feat(invite): 邀请奖励金账户(与金币隔离) + 比价发奖 + 奖励金提现

- 新增邀请奖励金独立账本: coin_account 加余额列 + invite_cash_transaction 流水表, 与金币现金物理隔离
- bind 改 v2: 绑定只发被邀请人新人金币; 邀请人改在好友首次成功比价时发 2 元奖励金(幂等只发一次)
- 提现链路按 source 分流: 扣款/退款/对账/分页各认账户, 两本账不串
- /invite/me 返回奖励金余额/累计提现/7天倒计时
- 新增 migration(建表加列) + 比价发奖与提现隔离测试

app/api/v1/wallet.py

@@ -200,7 +200,8 @@ def withdraw(req: WithdrawRequest, user: CurrentUser, db: DbSession) -> Withdraw
         raise HTTPException(status_code=status.HTTP_503_SERVICE_UNAVAILABLE, detail="wechat pay not configured")
     try:
         order = crud_wallet.create_withdraw(
-            db, user.id, req.amount_cents, user_name=req.user_name, out_bill_no=req.out_bill_no
+            db, user.id, req.amount_cents, source=req.source,
+            user_name=req.user_name, out_bill_no=req.out_bill_no,
         )
     except crud_wallet.InvalidWithdrawAmountError as e:
         raise HTTPException(
@@ -274,10 +275,11 @@ def withdraw_status(
 def withdraw_orders(
     user: CurrentUser,
     db: DbSession,
+    source: str | None = Query(None, description="按账户来源过滤:coin_cash / invite_cash;不传=全部"),
     limit: int = Query(20, ge=1, le=100),
     cursor: int | None = Query(None, description="上一页末条 id"),
 ) -> WithdrawOrderPage:
-    items, next_cursor = crud_wallet.list_withdraw_orders(db, user.id, limit=limit, cursor=cursor)
+    items, next_cursor = crud_wallet.list_withdraw_orders(db, user.id, source=source, limit=limit, cursor=cursor)
     return WithdrawOrderPage(
         items=[WithdrawOrderOut.model_validate(it) for it in items],
         next_cursor=next_cursor,