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+# 允许在途提现时继续提交新申请 Implementation Plan
+
+> **For agentic workers:** REQUIRED SUB-SKILL: Use superpowers:subagent-driven-development (recommended) or superpowers:executing-plans to implement this plan task-by-task. Steps use checkbox (`- [ ]`) syntax for tracking.
+
+**Goal:** 取消「同一用户同一时刻仅一笔在途提现」限制,已有 `reviewing`/`pending` 单时允许继续提交新的提现申请。
+
+**Architecture:** 该限制由两道闸共同强制——应用层 `create_withdraw` 的在途单检查(`WithdrawTooFrequentError`)与数据库分区唯一索引 `ux_withdraw_order_user_active`。彻底移除两者 + 清理随之失效的死代码;既有约束(建单先扣款、`coin_cash` 每日档位次数、`out_bill_no` 幂等)天然保留,无需改动。测试库由 `Base.metadata.create_all()` 依模型建表,故删模型内索引定义即让测试反映新 schema;另配一条 Alembic 迁移让真实库(dev/prod)落地同一变更。
+
+**Tech Stack:** FastAPI · SQLAlchemy 2.0 · Alembic · pytest · ruff
+
+规格来源:[docs/superpowers/specs/2026-07-24-withdraw-allow-concurrent-design.md](../specs/2026-07-24-withdraw-allow-concurrent-design.md)
+
+---
+
+## 关键事实(实现依据)
+
+- 当前 Alembic head:`d8dd2106e438`(新迁移的 `down_revision`)。
+- 索引出处:[`alembic/versions/withdraw_safety_indexes.py`](../../../alembic/versions/withdraw_safety_indexes.py) 同时建了两个索引——本次**只删** `ux_withdraw_order_user_active`,**保留**姊妹索引 `ux_cash_transaction_withdraw_refund_ref`(退款幂等)。
+- 档位:`WithdrawTier(50, "0.5", None, 3, False)`——50 分(0.5 元)是**常规档**,每日 3 次,非新人档;测试用它来造多笔在途。
+- 测试库走 `create_all`(见 `tests/conftest.py`),**不跑 Alembic**;故迁移的正确性由本计划单独的 upgrade/downgrade 回环验证,不由 pytest 覆盖。
+- `app/models/wallet.py` 的 `Index`/`text` 仍被其它表(行 54/186/224)使用,删本表 `__table_args__` 后**无需**清理 import。
+
+---
+
+## Task 1: 允许多笔在途提现并存(TDD:模型 + 应用层 + 端点 + 迁移,单次提交)
+
+本变更是一次原子的 schema+行为改动:模型内索引、应用层检查、Alembic 迁移相互依赖,任一缺失都会让"多笔在途"在测试库或真实库其一不成立。故作为**一个任务、一次提交**完成,内部按 TDD 分步。
+
+**Files:**
+- Test: `tests/test_withdraw.py`(新增 2 个用例)
+- Modify: `app/repositories/wallet.py`(删在途单检查 + IntegrityError 兜底瘦身 + 删死常量/异常)
+- Modify: `app/api/v1/wallet.py:225-229`(删失效的 409 处理)
+- Modify: `app/models/wallet.py:99-107`(删分区唯一索引)
+- Create: `alembic/versions/drop_withdraw_active_unique_index.py`(真实库删索引)
+
+---
+
+- [ ] **Step 1: 写两个失败测试**
+
+在 `tests/test_withdraw.py` 末尾追加(复用文件内既有 helper `_login`/`_auth`/`_seed_cash`/`_patch_userinfo`):
+
+```python
+def test_withdraw_multiple_in_flight_allowed(client, monkeypatch) -> None:
+    """取消「同时仅一单」:已有在途(reviewing)时,不同 out_bill_no 可继续提交,两单并存。"""
+    _patch_userinfo(monkeypatch, "openid_multi_inflight")
+    token = _login(client, "13800002020")
+    _seed_cash(client, token, "13800002020", 100)  # 够两笔 0.5
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    r1 = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 50, "out_bill_no": "billmulti00000001"},
+        headers=_auth(token),
+    )
+    assert r1.status_code == 200, r1.text
+    assert r1.json()["status"] == "reviewing"
+
+    r2 = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 50, "out_bill_no": "billmulti00000002"},
+        headers=_auth(token),
+    )
+    assert r2.status_code == 200, r2.text
+    assert r2.json()["status"] == "reviewing"
+
+    # 两张在途单并存
+    r = client.get("/api/v1/wallet/withdraw-orders", headers=_auth(token))
+    reviewing = [o for o in r.json()["items"] if o["status"] == "reviewing"]
+    assert len(reviewing) == 2, r.text
+    # 余额扣两次:100-50-50=0
+    r = client.get("/api/v1/wallet/account", headers=_auth(token))
+    assert r.json()["cash_balance_cents"] == 0
+
+
+def test_withdraw_second_blocked_only_by_insufficient_cash(client, monkeypatch) -> None:
+    """并行放开后第二笔仅受余额约束:余额不足返 409「现金余额不足」,而非旧的「已有提现」拦截。"""
+    _patch_userinfo(monkeypatch, "openid_multi_insuff")
+    token = _login(client, "13800002021")
+    _seed_cash(client, token, "13800002021", 50)  # 仅够一笔 0.5
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    r1 = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 50, "out_bill_no": "billinsuff0000001"},
+        headers=_auth(token),
+    )
+    assert r1.status_code == 200, r1.text
+
+    r2 = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 50, "out_bill_no": "billinsuff0000002"},
+        headers=_auth(token),
+    )
+    assert r2.status_code == 409, r2.text
+    assert "现金余额不足" in r2.json()["detail"]
+```
+
+- [ ] **Step 2: 运行新测试,确认失败**
+
+Run: `pytest tests/test_withdraw.py::test_withdraw_multiple_in_flight_allowed tests/test_withdraw.py::test_withdraw_second_blocked_only_by_insufficient_cash -q`
+Expected: 两条 FAIL —— `multiple_in_flight` 因第二笔被拦返回 409(期望 200);`second_blocked` 因返回的 409 detail 是「已有提现申请正在审核或打款中」而非「现金余额不足」。
+
+- [ ] **Step 3: 应用层删在途单互斥检查**(`app/repositories/wallet.py` · `create_withdraw`)
+
+删掉在途单预检查(它紧邻档位闸注释之前):
+
+old:
+```python
+    active_order_id = db.execute(
+        select(WithdrawOrder.id).where(
+            WithdrawOrder.user_id == user_id,
+            WithdrawOrder.status.in_(_WITHDRAW_ACTIVE_STATUSES),
+        ).limit(1)
+    ).scalar_one_or_none()
+    if active_order_id is not None:
+        raise WithdrawTooFrequentError
+
+    # 福利页档位闸(7-9):coin_cash 只能提预设档位,且该档今日可提(服务端权威口径,防绕过
+```
+new:
+```python
+    # 福利页档位闸(7-9):coin_cash 只能提预设档位,且该档今日可提(服务端权威口径,防绕过
+```
+
+- [ ] **Step 4: 应用层给 IntegrityError 兜底瘦身**(同函数末尾 commit 处)
+
+索引移除后不会再因在途单触发唯一冲突,只保留 `out_bill_no` 幂等重试分支:
+
+old:
+```python
+    except IntegrityError:
+        db.rollback()
+        existing = db.execute(
+            select(WithdrawOrder).where(
+                WithdrawOrder.out_bill_no == out_bill_no, WithdrawOrder.user_id == user_id
+            )
+        ).scalar_one_or_none()
+        if existing is not None:
+            return existing
+        active_order_id = db.execute(
+            select(WithdrawOrder.id).where(
+                WithdrawOrder.user_id == user_id,
+                WithdrawOrder.status.in_(_WITHDRAW_ACTIVE_STATUSES),
+            ).limit(1)
+        ).scalar_one_or_none()
+        if active_order_id is not None:
+            raise WithdrawTooFrequentError from None
+        raise
+```
+new:
+```python
+    except IntegrityError:
+        db.rollback()
+        # 唯一冲突只可能来自 out_bill_no 幂等键并发重试:原样返回既有单;否则未知冲突,上抛。
+        existing = db.execute(
+            select(WithdrawOrder).where(
+                WithdrawOrder.out_bill_no == out_bill_no, WithdrawOrder.user_id == user_id
+            )
+        ).scalar_one_or_none()
+        if existing is not None:
+            return existing
+        raise
+```
+
+- [ ] **Step 5: 删死常量 `_WITHDRAW_ACTIVE_STATUSES`**(`app/repositories/wallet.py` 模块顶部)
+
+只删常量行,保留其后属于 `_NEWBIE_TIER_HELD_STATUSES` 的注释:
+
+old:
+```python
+_WITHDRAW_ACTIVE_STATUSES = {"reviewing", "pending"}
+# 占用新人档「一次性」资格的提现状态:进行中(reviewing/pending)或成功打款(success)。
+```
+new:
+```python
+# 占用新人档「一次性」资格的提现状态:进行中(reviewing/pending)或成功打款(success)。
+```
+
+- [ ] **Step 6: 删死异常类 `WithdrawTooFrequentError`**(`app/repositories/wallet.py`)
+
+old:
+```python
+class WithdrawTooFrequentError(Exception):
+    """提现申请过于频繁,或已有未完成提现单。"""
+
+
+class WithdrawTierUnavailableError(Exception):
+```
+new:
+```python
+class WithdrawTierUnavailableError(Exception):
+```
+
+- [ ] **Step 7: 删端点内失效的 409 处理**(`app/api/v1/wallet.py` · `withdraw`)
+
+old:
+```python
+    except crud_wallet.WechatNotBoundError as e:
+        raise HTTPException(status_code=status.HTTP_400_BAD_REQUEST, detail="请先绑定微信") from e
+    except crud_wallet.WithdrawTooFrequentError as e:
+        raise HTTPException(
+            status_code=status.HTTP_409_CONFLICT,
+            detail="已有提现申请正在审核或打款中,请处理完成后再申请",
+        ) from e
+    except crud_wallet.WithdrawTierUnavailableError as e:
+```
+new:
+```python
+    except crud_wallet.WechatNotBoundError as e:
+        raise HTTPException(status_code=status.HTTP_400_BAD_REQUEST, detail="请先绑定微信") from e
+    except crud_wallet.WithdrawTierUnavailableError as e:
+```
+
+- [ ] **Step 8: 删模型内分区唯一索引**(`app/models/wallet.py` · `WithdrawOrder`)
+
+old:
+```python
+    __tablename__ = "withdraw_order"
+    __table_args__ = (
+        Index(
+            "ux_withdraw_order_user_active",
+            "user_id",
+            unique=True,
+            sqlite_where=text("status IN ('reviewing', 'pending')"),
+            postgresql_where=text("status IN ('reviewing', 'pending')"),
+        ),
+    )
+```
+new:
+```python
+    __tablename__ = "withdraw_order"
+```
+
+- [ ] **Step 9: 运行新测试,确认通过**
+
+Run: `pytest tests/test_withdraw.py::test_withdraw_multiple_in_flight_allowed tests/test_withdraw.py::test_withdraw_second_blocked_only_by_insufficient_cash -q`
+Expected: 2 passed。
+
+- [ ] **Step 10: 建 Alembic 迁移(真实库删索引)**
+
+创建 `alembic/versions/drop_withdraw_active_unique_index.py`:
+
+```python
+"""drop withdraw active-order partial unique index (allow multiple in-flight withdrawals)
+
+Revision ID: drop_withdraw_active_unique_index
+Revises: d8dd2106e438
+Create Date: 2026-07-24 00:00:00.000000
+
+"""
+from typing import Sequence, Union
+
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision: str = "drop_withdraw_active_unique_index"
+down_revision: Union[str, Sequence[str], None] = "d8dd2106e438"
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    # 取消「同一用户同一时刻仅一笔在途提现」:允许 reviewing/pending 并存。
+    # 仅删本索引;姊妹索引 ux_cash_transaction_withdraw_refund_ref(退款幂等)保持不动。
+    op.drop_index("ux_withdraw_order_user_active", table_name="withdraw_order")
+
+
+def downgrade() -> None:
+    # 回滚重建分区唯一索引。注意:若届时某用户已有 ≥2 张在途单,重建会因唯一冲突失败——
+    # 属预期的回滚代价(取消限制后本就允许多单),需先人工收敛在途单再回滚。
+    op.create_index(
+        "ux_withdraw_order_user_active",
+        "withdraw_order",
+        ["user_id"],
+        unique=True,
+        sqlite_where=sa.text("status IN ('reviewing', 'pending')"),
+        postgresql_where=sa.text("status IN ('reviewing', 'pending')"),
+    )
+```
+
+- [ ] **Step 11: 验证迁移 upgrade + 回环 downgrade/upgrade**
+
+Run: `alembic upgrade head`
+Expected: 输出应用 `drop_withdraw_active_unique_index`,无报错。
+
+Run: `alembic downgrade -1 && alembic upgrade head`
+Expected: downgrade 重建索引、upgrade 再次删除,均成功(dev 库每用户在途单 ≤1,不会触发唯一冲突)。
+
+- [ ] **Step 12: 全量测试 + Lint**
+
+Run: `pytest -q`
+Expected: 全绿(既有 `test_withdraw_idempotent_same_bill_no`、`tests/test_withdraw_tiers.py`、`tests/test_invite_cash_withdraw.py` 均不受影响)。
+
+Run: `ruff check .`
+Expected: 无新增告警(死常量/异常已连同引用一并删除)。
+
+- [ ] **Step 13: 提交**
+
+```bash
+git add tests/test_withdraw.py app/repositories/wallet.py app/api/v1/wallet.py app/models/wallet.py alembic/versions/drop_withdraw_active_unique_index.py
+git commit -m "feat(withdraw): 允许在途提现时继续提交新申请
+
+取消「同一用户同时仅一笔在途提现」限制:删应用层在途单检查 +
+删 DB 分区唯一索引 ux_withdraw_order_user_active + 清理死代码
+(_WITHDRAW_ACTIVE_STATUSES / WithdrawTooFrequentError)。
+先扣款、coin_cash 每日档位次数、out_bill_no 幂等等既有约束不变。
+
+Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>"
+```
+
+---
+
+## 自审(spec 覆盖核对)
+
+- **R1 已有 reviewing/pending 可再提** → Step 3/4(应用层)+ Step 8/10(模型 + 迁移);`test_withdraw_multiple_in_flight_allowed` 证明。✓
+- **R2 不加硬上限** → 无新增限制;`coin_cash` 天然封顶由既有档位次数(`tests/test_withdraw_tiers.py`)保障,不改。✓
+- **R3 幂等/限额/退款/对账不回退** → `test_withdraw_idempotent_same_bill_no` 与档位/邀请现金测试留绿(Step 12);解绑退款、对账按单号维度,未触碰。✓
+- **spec §4 四处改动** → Step 3/4/5/6(repo)、Step 7(api)、Step 8(model)、Step 10(迁移)一一对应。✓
+- **spec §6 客户端注意点** → 属跨仓 App 事项,文档已记,本计划无对应代码任务(有意为之)。✓
+- **占位符扫描**:迁移 `revision` / `down_revision`(`d8dd2106e438`)均为具体值,无 TBD。✓
+- **命名一致性**:`WithdrawTooFrequentError`/`_WITHDRAW_ACTIVE_STATUSES` 的删除点与引用点全覆盖(全仓仅这 4 处);`ux_withdraw_order_user_active` 在模型/迁移中拼写一致。✓