feat(ad): eCPM 上报接口 + 冷却策略解耦纯函数 + savings JSONB 跨库修复 (#8)

- 新增 POST /api/v1/ad/ecpm-report:激励视频展示后客户端上报本次 eCPM,落 ad_ecpm_record 做内部收益统计(model/repository/schema/alembic 迁移 + 接口文档)
- 看广告冷却策略抽到 app/core/ad_cooldown.py 纯函数;ad_reward.today_status 只取数据,换策略只改这一处
- savings.dishes 改 JSON().with_variant(JSONB,"postgresql"):SQLite 无 visit_JSONB 会让 create_all 编译崩,修复后测试套件恢复

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

---------

Co-authored-by: OuYingJun1024 <1034284404@qq.com>
Reviewed-on: #8
Co-authored-by: ouzhou <ouzhou@wonderable.ai>
Co-committed-by: ouzhou <ouzhou@wonderable.ai>

docs/api/README.md

@@ -3,7 +3,7 @@
 > Base URL:生产 `https://app-api.shaguabijia.com`;本地联调 `http://<开发机>:8770`
 > 协议:HTTP / JSON,请求与响应体均 `application/json`,字段统一 **snake_case**
 > 鉴权:需鉴权的接口在请求头带 `Authorization: Bearer <access_token>`
-> 最后更新:2026-05-31
+> 最后更新:2026-05-31（+ 比价战绩里程碑 12d/12e）
 > 架构:`app/api/v1/` 只放很轻的接口层;穿山甲/微信支付/极光/短信/美团等 SDK 集成的重逻辑在 `app/integrations/`,实现细节见 [docs/integrations/](../integrations/README.md)。
 
 ---
@@ -26,6 +26,13 @@
 | **比价透传**（前缀 `/api/v1`,外卖 MVP；与 `coupon/step` 同为透传 pricebot-backend） |||
 | 12 | `POST /api/v1/intent/recognize` | 无 | [详情](./compare-intent-recognize.md) |
 | 13 | `POST /api/v1/price/step` | 无 | [详情](./compare-price-step.md) |
+| **比价记录**（前缀 `/api/v1/compare`；按用户落库，**鉴权**，区别于上面不鉴权的透传） |||
+| 12a | `POST /api/v1/compare/record` | Bearer | [详情](./compare-record-report.md) |
+| 12b | `GET /api/v1/compare/records` | Bearer | [详情](./compare-records.md) |
+| 12c | `GET /api/v1/compare/records/{id}` | Bearer | [详情](./compare-record-detail.md) |
+| **比价战绩里程碑**（前缀 `/api/v1/compare`；福利页「记录比价战绩」,按成功比价数解锁逐档发金币） |||
+| 12d | `GET /api/v1/compare/milestones` | Bearer | [详情](./compare-milestones.md) |
+| 12e | `POST /api/v1/compare/milestones/{milestone}/claim` | Bearer | [详情](./compare-milestone-claim.md) |
 | **钱包 / 我的资产**（前缀 `/api/v1/wallet`） |||
 | 14 | `GET /api/v1/wallet/account` | Bearer | [详情](./wallet-account.md) |
 | 15 | `GET /api/v1/wallet/coin-transactions` | Bearer | [详情](./wallet-coin-transactions.md) |
@@ -52,6 +59,7 @@
 | 32 | `GET /api/v1/ad/pangle-callback` | 验签 | [详情](./ad-pangle-callback.md) |
 | 33 | `GET /api/v1/ad/reward-status` | Bearer | [详情](./ad-reward-status.md) |
 | 34 | `POST /api/v1/ad/test-grant` | Bearer | [详情](./ad-test-grant.md) |
+| 35 | `POST /api/v1/ad/ecpm-report` | Bearer | [详情](./ad-ecpm-report.md) |
 | **用户资料**（前缀 `/api/v1/user`） |||
 | 35 | `PATCH /api/v1/user/profile` | Bearer | [详情](./user-profile.md) |
 | 36 | `POST /api/v1/user/avatar` | Bearer | [详情](./user-avatar.md) |