feat(welfare): 提现人工审核流程 + 看广告每日时长限流(防刷主闸)

提现人工审核(提现不再即时打款):
- models/wallet.py: WithdrawOrder 状态机改为
  reviewing →(审核通过)→ pending → success/failed;reviewing →(驳回)→ rejected(已退款),
  默认态 pending → reviewing(扣现金建单但不打款);新增 user_name 列(实名, 微信达额转账要求)
- admin/routers/withdraw.py + admin/schemas/wallet.py: 运营后台审核接口(通过触发微信转账 / 驳回退款)
- api/v1/wallet.py + repositories/wallet.py: 发起提现进 reviewing 态, 驳回退回现金并写 withdraw_refund
- schemas/welfare.py: 提现出参增 reviewing/rejected 状态 + fail_reason

看广告每日时长限流(防刷主闸 + 次数兜底):
- 新增 models/ad_watch_log.py: 按 (user_id, watch_date) 聚合当日观看秒数
- 新增 repositories/ad_watch.py: watched_seconds_today / add_watch_seconds(夹 [0, MAX_SINGLE_WATCH_SECONDS])
- api/v1/ad.py: 新增 POST /ad/watch-report(JWT 取 user, 落时长返当日累计);
  /ad/reward-status 增 watched_seconds_today / limit / remaining
- schemas/ad.py: WatchReportIn/Out
- core/rewards.py: 新增 DAILY_AD_WATCH_SECONDS_LIMIT=50 分钟(主闸)+ MAX_SINGLE_WATCH_SECONDS=120;
  DAILY_AD_REWARD_LIMIT 20→200 改作次数兜底(防前端少报时长绕过时长闸, 又不误伤看短广告的正常用户)
- repositories/ad_reward.py + models/__init__.py: 接入新表与时长闸

alembic: withdraw_review_and_ad_watch 迁移(withdraw_order.user_name 列 + ad_watch_log 表)
tests: 补 test_ad_reward / test_withdraw

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

app/api/v1/ad.py

@@ -21,12 +21,15 @@ from app.integrations import pangle
 from app.core.ratelimit import rate_limit
 from app.repositories import ad_ecpm as crud_ecpm
 from app.repositories import ad_reward as crud_ad
+from app.repositories import ad_watch as crud_watch
 from app.schemas.ad import (
     AdRewardStatusOut,
     EcpmReportIn,
     EcpmReportOut,
     PangleCallbackOut,
     TestGrantOut,
+    WatchReportIn,
+    WatchReportOut,
 )
 
 logger = logging.getLogger("shagua.ad")
@@ -91,7 +94,8 @@ def pangle_callback(request: Request, db: DbSession) -> PangleCallbackOut:
 
 @router.get("/reward-status", response_model=AdRewardStatusOut, summary="今日看广告发奖进度")
 def reward_status(user: CurrentUser, db: DbSession) -> AdRewardStatusOut:
-    used, limit, coin_per, round_count, cooldown_until = crud_ad.today_status(db, user.id)
+    (used, limit, coin_per, round_count, cooldown_until,
+     watched_sec, watch_limit) = crud_ad.today_status(db, user.id)
     return AdRewardStatusOut(
         used_today=used,
         daily_limit=limit,
@@ -99,6 +103,35 @@ def reward_status(user: CurrentUser, db: DbSession) -> AdRewardStatusOut:
         coin_per_ad=coin_per,
         round_count=round_count,
         cooldown_until=cooldown_until,
+        watched_seconds_today=watched_sec,
+        watch_seconds_limit=watch_limit,
+        watch_seconds_remaining=max(0, watch_limit - watched_sec),
+    )
+
+
+@router.post(
+    "/watch-report",
+    response_model=WatchReportOut,
+    summary="上报激励视频观看时长(每日 50 分钟防刷计时)",
+    dependencies=[Depends(rate_limit(120, 60, "ad-watch-report"))],
+)
+def watch_report(payload: WatchReportIn, user: CurrentUser, db: DbSession) -> WatchReportOut:
+    """客户端在激励视频关闭(onAdClose)后上报本次实际观看秒数,服务端累计到当日总时长。
+
+    Bearer 鉴权,user_id 取自 JWT(不信 body)。seconds 服务端夹 [0, MAX_SINGLE_WATCH_SECONDS]。
+    当日累计达 DAILY_AD_WATCH_SECONDS_LIMIT(50 分钟)后:① 本接口 / reward-status 返回 remaining=0,
+    客户端不再展示广告;② 后端发奖(S2S 回调)也会因时长闸记 capped 不发金币(双闸,前端绕不过)。
+    """
+    total = crud_watch.add_watch_seconds(db, user.id, payload.seconds)
+    limit = rewards.DAILY_AD_WATCH_SECONDS_LIMIT
+    logger.info(
+        "ad watch report user_id=%d +%ds total=%d/%d",
+        user.id, payload.seconds, total, limit,
+    )
+    return WatchReportOut(
+        watched_seconds_today=total,
+        watch_seconds_limit=limit,
+        watch_seconds_remaining=max(0, limit - total),
     )
 
 
@@ -151,7 +184,8 @@ def test_grant(user: CurrentUser, db: DbSession) -> TestGrantOut:
     except crud_ad.UnknownUserError as e:
         raise HTTPException(status_code=status.HTTP_404_NOT_FOUND, detail="user not found") from e
 
-    used, limit, coin_per, round_count, cooldown_until = crud_ad.today_status(db, user.id)
+    (used, limit, coin_per, round_count, cooldown_until,
+     _watched, _watch_limit) = crud_ad.today_status(db, user.id)
     logger.info("ad TEST grant user_id=%d status=%s coin=%d", user.id, rec.status, rec.coin)
     return TestGrantOut(
         granted=(rec.status == "granted"),

app/api/v1/wallet.py

@@ -170,10 +170,11 @@ def withdraw_info(user: CurrentUser, db: DbSession) -> WithdrawInfoOut:
 @router.post(
     "/withdraw",
     response_model=WithdrawResultOut,
-    summary="发起提现到微信零钱",
+    summary="发起提现(扣款建单,待人工审核;审核通过后才打款)",
     dependencies=[Depends(rate_limit(20, 60, "withdraw"))],  # #6 同 IP 每分钟≤20 次
 )
 def withdraw(req: WithdrawRequest, user: CurrentUser, db: DbSession) -> WithdrawResultOut:
+    # 提现发起本身不调微信(打款在审核通过后),但仍要求微信支付已配置——否则审核通过也打不了款,提前拦
     if not settings.wxpay_configured:
         raise HTTPException(status_code=status.HTTP_503_SERVICE_UNAVAILABLE, detail="wechat pay not configured")
     try:
@@ -189,12 +190,14 @@ def withdraw(req: WithdrawRequest, user: CurrentUser, db: DbSession) -> Withdraw
         raise HTTPException(status_code=status.HTTP_400_BAD_REQUEST, detail="wechat not bound") from e
     except crud_wallet.InsufficientCashError as e:
         raise HTTPException(status_code=status.HTTP_409_CONFLICT, detail="insufficient cash balance") from e
-    except crud_wallet.WithdrawTransferError as e:
-        # 转账调用失败,余额已退回
-        raise HTTPException(status_code=status.HTTP_502_BAD_GATEWAY, detail=f"wechat transfer failed: {e}") from e
 
     acc = crud_wallet.get_or_create_account(db, user.id)
-    logger.info("withdraw user_id=%d cents=%d bill=%s state=%s", user.id, req.amount_cents, order.out_bill_no, order.wechat_state)
+    logger.info(
+        "withdraw submitted user_id=%d cents=%d bill=%s status=%s(待审核)",
+        user.id, req.amount_cents, order.out_bill_no, order.status,
+    )
+    # 此刻 status=reviewing,尚未打款 → 无 package_info;App 据 status 提示"已提交,等待审核"。
+    # 审核通过后客户端轮询 /withdraw/status 拿到 package_info(若需确认)再拉起微信确认页。
     return WithdrawResultOut(
         out_bill_no=order.out_bill_no,
         status=order.status,
@@ -223,6 +226,11 @@ def withdraw_status(
         status=order.status,
         wechat_state=order.wechat_state,
         amount_cents=order.amount_cents,
+        fail_reason=order.fail_reason,
+        # 审核通过后 status=pending 且可能带 package_info(WAIT_USER_CONFIRM):供 App 拉起微信确认页
+        package_info=order.package_info,
+        mch_id=settings.WXPAY_MCH_ID if order.package_info else None,
+        app_id=settings.WECHAT_APP_ID if order.package_info else None,
     )