功能：完善提现审核与用户风险管理

alembic/versions/user_manual_risk_fields.py

@@ -0,0 +1,76 @@
+"""add manual high-risk flag and note to user
+
+Revision ID: user_manual_risk_fields
+Revises: risk_monitor_generic
+"""
+from __future__ import annotations
+
+from collections.abc import Sequence
+
+import sqlalchemy as sa
+from sqlalchemy.dialects import postgresql
+
+from alembic import op
+
+revision: str = "user_manual_risk_fields"
+down_revision: str | None = "risk_monitor_generic"
+branch_labels: str | Sequence[str] | None = None
+depends_on: str | Sequence[str] | None = None
+
+_JSON = sa.JSON().with_variant(postgresql.JSONB(), "postgresql")
+_INVITE_WITHDRAW_PAGE = "invite-withdraws"
+
+
+def _finance_role() -> sa.TableClause:
+    return sa.table(
+        "admin_role",
+        sa.column("name", sa.String),
+        sa.column("pages", _JSON),
+    )
+
+
+def upgrade() -> None:
+    with op.batch_alter_table("user") as batch_op:
+        batch_op.add_column(
+            sa.Column(
+                "is_high_risk",
+                sa.Boolean(),
+                server_default=sa.false(),
+                nullable=False,
+            )
+        )
+        batch_op.add_column(sa.Column("high_risk_note", sa.Text(), nullable=True))
+        batch_op.create_index("ix_user_is_high_risk", ["is_high_risk"], unique=False)
+    role = _finance_role()
+    conn = op.get_bind()
+    row = conn.execute(
+        sa.select(role.c.pages).where(role.c.name == "finance")
+    ).scalar_one_or_none()
+    if row is not None and _INVITE_WITHDRAW_PAGE not in (row or []):
+        conn.execute(
+            role.update()
+            .where(role.c.name == "finance")
+            .values(pages=[*(row or []), _INVITE_WITHDRAW_PAGE])
+        )
+
+
+def downgrade() -> None:
+    role = _finance_role()
+    conn = op.get_bind()
+    row = conn.execute(
+        sa.select(role.c.pages).where(role.c.name == "finance")
+    ).scalar_one_or_none()
+    if row is not None:
+        conn.execute(
+            role.update()
+            .where(role.c.name == "finance")
+            .values(
+                pages=[
+                    page for page in (row or []) if page != _INVITE_WITHDRAW_PAGE
+                ]
+            )
+        )
+    with op.batch_alter_table("user") as batch_op:
+        batch_op.drop_index("ix_user_is_high_risk")
+        batch_op.drop_column("high_risk_note")
+        batch_op.drop_column("is_high_risk")

app/admin/permissions.py

@@ -23,7 +23,8 @@ PERMISSION_CATALOG: list[dict] = [
         {"key": "cps", "label": "CPS收益"},
     ]},
     {"group": "奖励审核", "pages": [
-        {"key": "withdraws", "label": "提现审核"},
+        {"key": "invite-withdraws", "label": "邀请提现审核"},
+        {"key": "withdraws", "label": "其他提现审核"},
         {"key": "price-reports", "label": "低价审核"},
         {"key": "feedbacks", "label": "用户反馈"},
     ]},
@@ -59,7 +60,7 @@ BUILTIN_ROLES: list[dict] = [
         "cps", "risk-monitor", "device-liveness", "price-reports", "feedbacks", "huawei-review",
     ]},
     {"name": "finance", "label": "财务", "pages": [
-        "dashboard", "ad-revenue-report", "cps", "withdraws",
+        "dashboard", "ad-revenue-report", "cps", "invite-withdraws", "withdraws",
     ]},
     {"name": "tech", "label": "技术", "pages": [
         "dashboard", "risk-monitor", "device-liveness", "analytics-health", "config", "ad-revenue", "huawei-review",

app/admin/repositories/mutations.py

@@ -44,6 +44,25 @@ def set_user_debug_trace(
     return user
 
 
+def set_user_risk(
+    db: Session,
+    user: User,
+    *,
+    is_high_risk: bool,
+    note: str | None,
+    commit: bool = True,
+) -> User:
+    """设置人工风险结论和备注，支持与审计日志共用同一事务。"""
+    user.is_high_risk = is_high_risk
+    user.high_risk_note = note.strip() if is_high_risk and note else None
+    if commit:
+        db.commit()
+        db.refresh(user)
+    else:
+        db.flush()
+    return user
+
+
 def update_feedback_status(
     db: Session, feedback: Feedback, *, status: str, commit: bool = True
 ) -> Feedback:

app/admin/repositories/queries.py

@@ -22,14 +22,15 @@ from app.models.comparison import ComparisonRecord
 from app.models.coupon_state import CouponPromptEngagement
 from app.models.device import DeviceLiveness
 from app.models.feedback import Feedback
+from app.models.invite import InviteRelation
 from app.models.onboarding import OnboardingCompletion
 from app.models.price_report import PriceReport
+from app.models.savings import SavingsRecord
 from app.models.user import User
 from app.models.wallet import (
     CashTransaction,
     CoinAccount,
     CoinTransaction,
-    InviteCashTransaction,
     WithdrawOrder,
 )
 from app.repositories import activity, ad_ecpm
@@ -710,16 +711,7 @@ def list_all_withdraw_orders(
     elif quick_filter == "today":
         stmt = stmt.where(WithdrawOrder.created_at >= today_start)
     elif quick_filter == "high_risk":
-        stmt = stmt.where(
-            or_(
-                WithdrawOrder.user_name.is_(None),
-                WithdrawOrder.user_name == "",
-                User.status != "active",
-                User.created_at >= now - timedelta(hours=24),
-                WithdrawOrder.status.in_(("failed", "rejected")),
-                WithdrawOrder.fail_reason.is_not(None),
-            )
-        )
+        stmt = stmt.where(User.is_high_risk.is_(True))
 
     sort_cols = {
         "id": WithdrawOrder.id,
@@ -745,7 +737,9 @@ def _as_utc(value: datetime) -> datetime:
     return value.astimezone(timezone.utc)
 
 
-def withdraw_list_enrichment(db: Session, user_ids: list[int]) -> dict[int, dict]:
+def withdraw_list_enrichment(
+    db: Session, user_ids: list[int], *, source: str | None = None
+) -> dict[int, dict]:
     """批量富化提现单列表:按本页 user_id 取 手机号/昵称 + 各自累计成功提现金额(分)。
 
     两条聚合查询搞定(避免逐行 N+1)。累计口径与 get_user_overview 的 withdraw_success_cents
@@ -755,25 +749,32 @@ def withdraw_list_enrichment(db: Session, user_ids: list[int]) -> dict[int, dict
     uniq = list(set(user_ids))
     if not uniq:
         return {}
-    success_rows = db.execute(
-        select(
-            WithdrawOrder.user_id,
-            func.coalesce(func.sum(WithdrawOrder.amount_cents), 0),
-        )
-        .where(WithdrawOrder.user_id.in_(uniq), WithdrawOrder.status == "success")
-        .group_by(WithdrawOrder.user_id)
-    ).all()
+    success_stmt = select(
+        WithdrawOrder.user_id,
+        func.coalesce(func.sum(WithdrawOrder.amount_cents), 0),
+    ).where(WithdrawOrder.user_id.in_(uniq), WithdrawOrder.status == "success")
+    if source:
+        success_stmt = success_stmt.where(WithdrawOrder.source == source)
+    success_rows = db.execute(success_stmt.group_by(WithdrawOrder.user_id)).all()
     success_map = {uid: int(total) for uid, total in success_rows}
     users = db.execute(
-        select(User.id, User.phone, User.nickname).where(User.id.in_(uniq))
+        select(
+            User.id,
+            User.phone,
+            User.nickname,
+            User.is_high_risk,
+            User.high_risk_note,
+        ).where(User.id.in_(uniq))
     ).all()
     return {
         uid: {
             "phone": phone,
             "nickname": nickname,
+            "is_high_risk": is_high_risk,
+            "high_risk_note": high_risk_note,
             "cumulative_success_cents": success_map.get(uid, 0),
         }
-        for uid, phone, nickname in users
+        for uid, phone, nickname, is_high_risk, high_risk_note in users
     }
 
 
@@ -879,15 +880,16 @@ def get_withdraw_by_out_bill_no(db: Session, out_bill_no: str) -> WithdrawOrder
     ).scalar_one_or_none()
 
 
-def withdraw_summary(db: Session) -> dict:
+def withdraw_summary(db: Session, *, source: str | None = None) -> dict:
     """提现审核台顶部统计。金额单位:分。"""
-    rows = db.execute(
-        select(
-            WithdrawOrder.status,
-            func.count(WithdrawOrder.id),
-            func.coalesce(func.sum(WithdrawOrder.amount_cents), 0),
-        ).group_by(WithdrawOrder.status)
-    ).all()
+    summary_stmt = select(
+        WithdrawOrder.status,
+        func.count(WithdrawOrder.id),
+        func.coalesce(func.sum(WithdrawOrder.amount_cents), 0),
+    )
+    if source:
+        summary_stmt = summary_stmt.where(WithdrawOrder.source == source)
+    rows = db.execute(summary_stmt.group_by(WithdrawOrder.status)).all()
     by_status = {
         status: {"count": int(count), "amount_cents": int(amount_cents)}
         for status, count, amount_cents in rows
@@ -900,19 +902,23 @@ def withdraw_summary(db: Session) -> dict:
     )
 
     def _today_count(status: str) -> int:
-        return db.execute(
-            select(func.count(WithdrawOrder.id)).where(
-                WithdrawOrder.status == status,
-                WithdrawOrder.updated_at >= today_start,
-            )
-        ).scalar_one()
-
-    today_success_amount = db.execute(
-        select(func.coalesce(func.sum(WithdrawOrder.amount_cents), 0)).where(
-            WithdrawOrder.status == "success",
+        stmt = select(func.count(WithdrawOrder.id)).where(
+            WithdrawOrder.status == status,
             WithdrawOrder.updated_at >= today_start,
         )
-    ).scalar_one()
+        if source:
+            stmt = stmt.where(WithdrawOrder.source == source)
+        return db.execute(stmt).scalar_one()
+
+    today_amount_stmt = select(
+        func.coalesce(func.sum(WithdrawOrder.amount_cents), 0)
+    ).where(
+        WithdrawOrder.status == "success",
+        WithdrawOrder.updated_at >= today_start,
+    )
+    if source:
+        today_amount_stmt = today_amount_stmt.where(WithdrawOrder.source == source)
+    today_success_amount = db.execute(today_amount_stmt).scalar_one()
 
     return {
         "reviewing_count": by_status.get("reviewing", {}).get("count", 0),
@@ -925,6 +931,117 @@ def withdraw_summary(db: Session) -> dict:
     }
 
 
+def invite_overview(
+    db: Session,
+    inviter_user_id: int,
+    *,
+    date_from: datetime | None = None,
+    date_to: datetime | None = None,
+) -> dict:
+    """邀请提现详情：邀请关系统计及受邀用户首次比价/首单信息。
+
+    首次记录按自增 id 取最早一条，批量查询避免按受邀用户逐行查询。
+    邀请成功口径为完成首次比价并已发邀请奖励(compare_reward_granted)。
+    """
+    relation_stmt = (
+        select(InviteRelation, User)
+        .join(User, User.id == InviteRelation.invitee_user_id)
+        .where(InviteRelation.inviter_user_id == inviter_user_id)
+        .order_by(InviteRelation.created_at.asc(), InviteRelation.id.asc())
+    )
+    if date_from is not None:
+        relation_stmt = relation_stmt.where(User.created_at >= _as_utc_naive(date_from))
+    if date_to is not None:
+        relation_stmt = relation_stmt.where(User.created_at <= _as_utc_naive(date_to))
+    relation_rows = db.execute(relation_stmt).all()
+    invitee_ids = [relation.invitee_user_id for relation, _ in relation_rows]
+    if not invitee_ids:
+        return {"invite_total": 0, "invite_success_total": 0, "items": []}
+
+    first_compare_ids = list(
+        db.execute(
+            select(func.min(ComparisonRecord.id))
+            .where(
+                ComparisonRecord.user_id.in_(invitee_ids),
+                ComparisonRecord.status == "success",
+            )
+            .group_by(ComparisonRecord.user_id)
+        ).scalars()
+    )
+    comparisons = (
+        db.execute(
+            select(
+                ComparisonRecord.user_id,
+                ComparisonRecord.store_name,
+                ComparisonRecord.product_names,
+            ).where(ComparisonRecord.id.in_(first_compare_ids))
+        ).all()
+        if first_compare_ids
+        else []
+    )
+    comparison_map = {
+        user_id: (store_name, product_names)
+        for user_id, store_name, product_names in comparisons
+    }
+
+    first_order_ids = list(
+        db.execute(
+            select(func.min(SavingsRecord.id))
+            .where(
+                SavingsRecord.user_id.in_(invitee_ids),
+                SavingsRecord.source == "compare",
+            )
+            .group_by(SavingsRecord.user_id)
+        ).scalars()
+    )
+    orders = (
+        db.execute(
+            select(
+                SavingsRecord.user_id,
+                SavingsRecord.shop_name,
+                SavingsRecord.title,
+                SavingsRecord.dishes,
+                SavingsRecord.order_amount_cents,
+            ).where(SavingsRecord.id.in_(first_order_ids))
+        ).all()
+        if first_order_ids
+        else []
+    )
+    order_map = {
+        user_id: (
+            shop_name,
+            title or "、".join(dishes or []),
+            order_amount_cents,
+        )
+        for user_id, shop_name, title, dishes, order_amount_cents in orders
+    }
+
+    items = []
+    for relation, user in relation_rows:
+        compare_store, compare_products = comparison_map.get(user.id, (None, None))
+        order_store, order_products, order_amount = order_map.get(
+            user.id, (None, None, None)
+        )
+        items.append(
+            {
+                "user_id": user.id,
+                "phone": user.phone,
+                "registered_at": user.created_at,
+                "invite_success": bool(relation.compare_reward_granted),
+                "first_compare_store": compare_store,
+                "first_compare_products": compare_products,
+                "first_order_store": order_store,
+                "first_order_products": order_products,
+                "first_order_amount_cents": order_amount,
+            }
+        )
+    return {
+        "invite_total": len(items),
+        "invite_success_total": sum(1 for item in items if item["invite_success"]),
+        "items": items,
+    }
+
+
 def list_withdraw_audit_logs(
     db: Session, out_bill_no: str, *, limit: int = 20
 ) -> list[AdminAuditLog]:
@@ -945,8 +1062,6 @@ def withdraw_risk_flags(
     cash_balance_cents: int,
 ) -> tuple[list[str], int]:
     flags: list[str] = []
-    if not order.user_name:
-        flags.append("缺少提现实名")
     if user and user.status != "active":
         flags.append(f"账号状态:{user.status}")
     if user and user.created_at:
@@ -969,125 +1084,6 @@ def withdraw_risk_flags(
     return flags, score
 
 
-def _check_withdraw_ledger_side(
-    orders: list[WithdrawOrder], txns: list, *, withdraw_biz: str, refund_biz: str
-) -> dict:
-    """对某一本账(普通现金 / 邀请奖励金)做提现单 ↔ 流水的交叉校验。
-
-    orders 已按 source 过滤到本账;txns 是本账流水表里 withdraw_biz/refund_biz 两类流水。
-    规则:每单发起应有一条扣款流水(ref_id=out_bill_no);失败/拒绝单应有且仅一条退款流水;
-    非退款终态不应出现退款流水。四个计数全为 0 即本账自洽。
-    """
-    withdraw_refs = {txn.ref_id for txn in txns if txn.biz_type == withdraw_biz}
-    refund_counts: dict[str, int] = {}
-    for txn in txns:
-        if txn.biz_type == refund_biz and txn.ref_id:
-            refund_counts[txn.ref_id] = refund_counts.get(txn.ref_id, 0) + 1
-
-    missing_withdraw = 0
-    missing_refund = 0
-    refund_on_non_terminal = 0
-    for order in orders:
-        if order.out_bill_no not in withdraw_refs:
-            missing_withdraw += 1
-        has_refund = refund_counts.get(order.out_bill_no, 0) > 0
-        if order.status in {"failed", "rejected"} and not has_refund:
-            missing_refund += 1
-        if has_refund and order.status not in {"failed", "rejected"}:
-            refund_on_non_terminal += 1
-
-    return {
-        "missing_withdraw": missing_withdraw,
-        "missing_refund": missing_refund,
-        "duplicate_refund": sum(1 for count in refund_counts.values() if count > 1),
-        "refund_on_non_terminal": refund_on_non_terminal,
-    }
-
-
-def withdraw_ledger_check(db: Session) -> dict:
-    """现金账本校验:两本物理隔离的账各自对账(产品红线:coin_cash / invite_cash 不串)。
-
-    普通现金:CoinAccount.cash_balance_cents ↔ cash_transaction(withdraw/withdraw_refund);
-    邀请奖励金:CoinAccount.invite_cash_balance_cents ↔ invite_cash_transaction
-              (invite_withdraw/invite_withdraw_refund)。
-    提现单按 source 分流到对应账核对——邀请提现的流水写在 invite_cash_transaction 表,
-    绝不能拿去和普通现金流水比(否则每笔邀请提现单都会被误报「缺扣款/缺退款流水」)。
-    分流口径与 create_withdraw 一致:仅 source==invite_cash 走邀请账,其余(含历史空值)归普通现金。
-    """
-    orders = list(db.execute(select(WithdrawOrder)).scalars().all())
-    coin_orders = [o for o in orders if o.source != "invite_cash"]
-    invite_orders = [o for o in orders if o.source == "invite_cash"]
-
-    # —— 普通现金账(coin_cash) ——
-    cash_balance_total = int(
-        db.execute(select(func.coalesce(func.sum(CoinAccount.cash_balance_cents), 0))).scalar_one()
-    )
-    cash_txn_total = int(
-        db.execute(select(func.coalesce(func.sum(CashTransaction.amount_cents), 0))).scalar_one()
-    )
-    cash_txns = list(
-        db.execute(
-            select(CashTransaction).where(
-                CashTransaction.biz_type.in_(("withdraw", "withdraw_refund"))
-            )
-        ).scalars().all()
-    )
-    coin = _check_withdraw_ledger_side(
-        coin_orders, cash_txns, withdraw_biz="withdraw", refund_biz="withdraw_refund"
-    )
-    cash_diff = cash_balance_total - cash_txn_total
-
-    # —— 邀请奖励金账(invite_cash,独立账户 + 独立流水表) ——
-    invite_balance_total = int(
-        db.execute(
-            select(func.coalesce(func.sum(CoinAccount.invite_cash_balance_cents), 0))
-        ).scalar_one()
-    )
-    invite_txn_total = int(
-        db.execute(
-            select(func.coalesce(func.sum(InviteCashTransaction.amount_cents), 0))
-        ).scalar_one()
-    )
-    invite_txns = list(
-        db.execute(
-            select(InviteCashTransaction).where(
-                InviteCashTransaction.biz_type.in_(("invite_withdraw", "invite_withdraw_refund"))
-            )
-        ).scalars().all()
-    )
-    invite = _check_withdraw_ledger_side(
-        invite_orders, invite_txns,
-        withdraw_biz="invite_withdraw", refund_biz="invite_withdraw_refund",
-    )
-    invite_diff = invite_balance_total - invite_txn_total
-
-    ok = (
-        cash_diff == 0
-        and invite_diff == 0
-        and all(v == 0 for v in coin.values())
-        and all(v == 0 for v in invite.values())
-    )
-    return {
-        "ok": ok,
-        # 普通现金账(coin_cash:金币兑换的现金)
-        "cash_balance_total_cents": cash_balance_total,
-        "cash_transaction_total_cents": cash_txn_total,
-        "balance_diff_cents": cash_diff,
-        "missing_withdraw_txn_count": coin["missing_withdraw"],
-        "missing_refund_txn_count": coin["missing_refund"],
-        "duplicate_refund_txn_count": coin["duplicate_refund"],
-        "refund_txn_on_non_terminal_count": coin["refund_on_non_terminal"],
-        # 邀请奖励金账(invite_cash:与普通现金物理隔离,各自对账)
-        "invite_cash_balance_total_cents": invite_balance_total,
-        "invite_cash_transaction_total_cents": invite_txn_total,
-        "invite_balance_diff_cents": invite_diff,
-        "invite_missing_withdraw_txn_count": invite["missing_withdraw"],
-        "invite_missing_refund_txn_count": invite["missing_refund"],
-        "invite_duplicate_refund_txn_count": invite["duplicate_refund"],
-        "invite_refund_txn_on_non_terminal_count": invite["refund_on_non_terminal"],
-    }
-
-
 def get_user_overview(db: Session, user_id: int) -> dict | None:
     """用户 360 概览:基础资料 + 钱包余额 + 各项 count。历史明细走各自分页接口(带 user_id 过滤)。"""
     user = db.get(User, user_id)
@@ -1147,6 +1143,7 @@ def user_reward_stats(
     *,
     date_from: datetime | None = None,
     date_to: datetime | None = None,
+    withdraw_source: str | None = None,
 ) -> dict:
     """提现详情「用户统计区」10 项。窗口作用于除「现金余额」外的所有项(余额是当前快照)。
 
@@ -1154,22 +1151,35 @@ def user_reward_stats(
     平均 eCPM 用原始分值(分/千次)按记录取算术平均;各「提现」= 该来源累计金币折现。
     传统任务 = 窗口内正向金币中,排除广告(reward_video/feed_ad_reward)与人工调整后的折现。
     """
+    withdraw_source_conds = (
+        [WithdrawOrder.source == withdraw_source] if withdraw_source else []
+    )
     wd_success = db.execute(
         select(func.coalesce(func.sum(WithdrawOrder.amount_cents), 0)).where(
             WithdrawOrder.user_id == user_id,
             WithdrawOrder.status == "success",
+            *withdraw_source_conds,
             *_window_conds(WithdrawOrder.created_at, date_from, date_to),
         )
     ).scalar_one()
     wd_total = db.execute(
         select(func.count(WithdrawOrder.id)).where(
             WithdrawOrder.user_id == user_id,
+            *withdraw_source_conds,
             *_window_conds(WithdrawOrder.created_at, date_from, date_to),
         )
     ).scalar_one()
 
     acc = db.get(CoinAccount, user_id)  # 现金余额:当前快照,不随窗口
-    cash_balance = acc.cash_balance_cents if acc else 0
+    cash_balance = (
+        (
+            acc.invite_cash_balance_cents
+            if withdraw_source == "invite_cash"
+            else acc.cash_balance_cents
+        )
+        if acc
+        else 0
+    )
 
     # 只投影本统计实际使用的列。避免滚动发布或旧本地库尚未补齐无关新列时，
     # SQLAlchemy 因 select(ORM) 自动展开整表字段而让提现详情整体 500。

app/admin/routers/users.py

@@ -16,6 +16,7 @@ from app.admin.schemas.user import (
     GrantCashRequest,
     GrantCoinsRequest,
     SetDebugTraceRequest,
+    SetUserRiskRequest,
     SetUserStatusRequest,
     UserCoinRecord,
     UserRewardStats,
@@ -84,12 +85,21 @@ def get_user_reward_stats(
     db: AdminDb,
     date_from: Annotated[datetime | None, Query()] = None,
     date_to: Annotated[datetime | None, Query()] = None,
+    withdraw_source: Annotated[
+        str | None, Query(pattern="^(coin_cash|invite_cash)$")
+    ] = None,
 ) -> UserRewardStats:
     """提现详情抽屉「用户统计区」。date_from/date_to 都不传 = 注册至今(全量)。"""
     if user_repo.get_user_by_id(db, user_id) is None:
         raise HTTPException(status_code=404, detail="用户不存在")
     return UserRewardStats(
-        **queries.user_reward_stats(db, user_id, date_from=date_from, date_to=date_to)
+        **queries.user_reward_stats(
+            db,
+            user_id,
+            date_from=date_from,
+            date_to=date_to,
+            withdraw_source=withdraw_source,
+        )
     )
 
 
@@ -138,6 +148,50 @@ def set_user_status(
     return OkResponse()
 
 
+@router.post("/{user_id}/risk", response_model=OkResponse, summary="设置人工高风险标记与备注")
+def set_user_risk(
+    user_id: int,
+    body: SetUserRiskRequest,
+    request: Request,
+    admin: Annotated[
+        AdminUser, Depends(require_role("operator", "finance"))
+    ],
+    db: AdminDb,
+) -> OkResponse:
+    user = user_repo.get_user_by_id(db, user_id)
+    if user is None:
+        raise HTTPException(status_code=404, detail="用户不存在")
+    before = {
+        "is_high_risk": user.is_high_risk,
+        "high_risk_note": user.high_risk_note,
+    }
+    mutations.set_user_risk(
+        db,
+        user,
+        is_high_risk=body.is_high_risk,
+        note=body.note,
+        commit=False,
+    )
+    write_audit(
+        db,
+        admin,
+        action="user.risk.set",
+        target_type="user",
+        target_id=user_id,
+        detail={
+            "before": before,
+            "after": {
+                "is_high_risk": user.is_high_risk,
+                "high_risk_note": user.high_risk_note,
+            },
+        },
+        ip=get_client_ip(request),
+        commit=False,
+    )
+    db.commit()
+    return OkResponse()
+
+
 @router.post("/{user_id}/debug-trace", response_model=OkResponse, summary="开关调试链接权限")
 def set_user_debug_trace(
     user_id: int,

app/admin/routers/withdraw.py

@@ -1,4 +1,4 @@
-"""admin 提现:列表(读)+ 单笔重试查单 + 批量对账(写,带审计)。
+"""admin 提现:列表(读)+ 单笔/批量查单与审核操作(写,带审计)。
 
 提现的钱逻辑(查微信/退款/撤单/幂等)全部复用 app.repositories.wallet,admin 只触发 + 记审计。
 这些 wallet 函数内部各自 commit(涉及微信调用),审计在其后单独 commit:操作本身幂等,
@@ -14,17 +14,16 @@ from fastapi import APIRouter, Depends, HTTPException, Query, Request
 from app.admin.audit import write_audit
 from app.admin.deps import AdminDb, get_client_ip, get_current_admin, require_role
 from app.admin.repositories import queries
-from app.admin.schemas.common import CursorPage
 from app.admin.schemas.admin import AdminAuditLogOut
+from app.admin.schemas.common import CursorPage
 from app.admin.schemas.wallet import (
     CashTxnOut,
-    ReconcileResult,
+    InviteOverviewOut,
+    WithdrawBulkItemResult,
     WithdrawBulkRejectRequest,
     WithdrawBulkRequest,
     WithdrawBulkResult,
-    WithdrawBulkItemResult,
     WithdrawDetailOut,
-    WithdrawLedgerCheckOut,
     WithdrawListItemOut,
     WithdrawOrderOut,
     WithdrawRejectRequest,
@@ -83,8 +82,16 @@ def list_withdraws(
         cursor=cursor,
     )
     # 联表带出手机号/昵称 + 累计成功提现(本页 user_id 批量富化,2 条聚合查询,无 N+1)。
-    enrichment = queries.withdraw_list_enrichment(db, [o.user_id for o in items])
-    _empty = {"phone": None, "nickname": None, "cumulative_success_cents": 0}
+    enrichment = queries.withdraw_list_enrichment(
+        db, [o.user_id for o in items], source=source
+    )
+    _empty = {
+        "phone": None,
+        "nickname": None,
+        "is_high_risk": False,
+        "high_risk_note": None,
+        "cumulative_success_cents": 0,
+    }
     out_items = [
         WithdrawListItemOut.model_validate(o).model_copy(
             update=enrichment.get(o.user_id, _empty)
@@ -95,8 +102,13 @@ def list_withdraws(
 
 
 @router.get("/summary", response_model=WithdrawSummaryOut, summary="提现审核台统计")
-def withdraws_summary(db: AdminDb) -> WithdrawSummaryOut:
-    return WithdrawSummaryOut(**queries.withdraw_summary(db))
+def withdraws_summary(
+    db: AdminDb,
+    source: Annotated[
+        str | None, Query(pattern="^(coin_cash|invite_cash)$")
+    ] = None,
+) -> WithdrawSummaryOut:
+    return WithdrawSummaryOut(**queries.withdraw_summary(db, source=source))
 
 
 @router.get(
@@ -153,13 +165,13 @@ def withdraw_health_check(db: AdminDb) -> WxpayHealthCheckOut:
     )
 
 
-@router.get("/ledger-check", response_model=WithdrawLedgerCheckOut, summary="提现资金账本校验")
-def withdraw_ledger_check(db: AdminDb) -> WithdrawLedgerCheckOut:
-    return WithdrawLedgerCheckOut(**queries.withdraw_ledger_check(db))
-
-
 @router.get("/{out_bill_no}", response_model=WithdrawDetailOut, summary="提现单详情")
-def withdraw_detail(out_bill_no: str, db: AdminDb) -> WithdrawDetailOut:
+def withdraw_detail(
+    out_bill_no: str,
+    db: AdminDb,
+    date_from: Annotated[datetime | None, Query()] = None,
+    date_to: Annotated[datetime | None, Query()] = None,
+) -> WithdrawDetailOut:
     order = queries.get_withdraw_by_out_bill_no(db, out_bill_no)
     if order is None:
         raise HTTPException(status_code=404, detail="提现单不存在")
@@ -172,6 +184,8 @@ def withdraw_detail(out_bill_no: str, db: AdminDb) -> WithdrawDetailOut:
             id=user.id,
             phone=user.phone,
             nickname=user.nickname,
+            is_high_risk=user.is_high_risk,
+            high_risk_note=user.high_risk_note,
             status=user.status,
             wechat_nickname=user.wechat_nickname,
             wechat_avatar_url=user.wechat_avatar_url,
@@ -195,37 +209,36 @@ def withdraw_detail(out_bill_no: str, db: AdminDb) -> WithdrawDetailOut:
         recent_withdraws,
         overview["cash_balance_cents"] if overview else 0,
     )
+    detail_enrichment = queries.withdraw_list_enrichment(
+        db, [order.user_id], source=order.source
+    ).get(order.user_id, {})
 
     return WithdrawDetailOut(
         order=WithdrawOrderOut.model_validate(order),
         user=user_snapshot,
+        cumulative_success_cents=int(
+            detail_enrichment.get("cumulative_success_cents", 0)
+        ),
         risk_flags=risk_flags,
         risk_score=risk_score,
         recent_withdraws=[WithdrawOrderOut.model_validate(o) for o in recent_withdraws],
         recent_cash_transactions=[CashTxnOut.model_validate(t) for t in recent_cash_transactions],
         audit_logs=[AdminAuditLogOut.model_validate(log) for log in audit_logs],
+        invite_overview=(
+            InviteOverviewOut(
+                **queries.invite_overview(
+                    db,
+                    order.user_id,
+                    date_from=date_from,
+                    date_to=date_to,
+                )
+            )
+            if order.source == "invite_cash"
+            else None
+        ),
     )
 
 
-# 注意:/reconcile 必须在 /{out_bill_no}/refresh 之前声明(静态路径优先于路径参数)
-@router.post("/reconcile", response_model=ReconcileResult, summary="批量对账(扫超时 pending 单)")
-def reconcile(
-    request: Request,
-    admin: Annotated[AdminUser, Depends(require_role("finance"))],
-    db: AdminDb,
-    older_than_minutes: Annotated[int, Query(ge=0)] = 15,
-) -> ReconcileResult:
-    try:
-        result = wallet_repo.reconcile_pending_withdraws(db, older_than_minutes=older_than_minutes)
-    except wxpay.WxPayNotConfiguredError as e:
-        raise HTTPException(status_code=503, detail="微信支付未配置") from e
-    write_audit(
-        db, admin, action="withdraw.reconcile", target_type="withdraw", target_id=None,
-        detail=result, ip=get_client_ip(request), commit=True,
-    )
-    return ReconcileResult(**result)
-
-
 def _bulk_result(items: list[WithdrawBulkItemResult]) -> WithdrawBulkResult:
     success = sum(1 for item in items if item.ok)
     return WithdrawBulkResult(

app/admin/schemas/user.py

@@ -16,6 +16,8 @@ class AdminUserListItem(BaseModel):
     register_channel: str
     status: str
     debug_trace_enabled: bool = False
+    is_high_risk: bool = False
+    high_risk_note: str | None = None
     wechat_openid: str | None = None
     wechat_nickname: str | None = None
     created_at: datetime
@@ -118,3 +120,19 @@ class SetUserStatusRequest(BaseModel):
 
 class SetDebugTraceRequest(BaseModel):
     enabled: bool = Field(..., description="是否给该用户开「复制调试链接」权限")
+
+
+class SetUserRiskRequest(BaseModel):
+    is_high_risk: bool = Field(..., description="是否标记为高风险用户")
+    note: str | None = Field(
+        None,
+        max_length=500,
+        description="高风险备注；标记高风险时必填，解除后清空",
+    )
+
+    @field_validator("note")
+    @classmethod
+    def validate_note(cls, value: str | None, info):
+        if info.data.get("is_high_risk") and not (value or "").strip():
+            raise ValueError("标记高风险时必须填写原因")
+        return value.strip() if value and value.strip() else None

app/admin/schemas/wallet.py

@@ -60,6 +60,8 @@ class WithdrawListItemOut(WithdrawOrderOut):
 
     phone: str | None = None
     nickname: str | None = None
+    is_high_risk: bool = False
+    high_risk_note: str | None = None
     cumulative_success_cents: int = 0  # 累计成功提现 = SUM(amount_cents) WHERE status='success'
 
 
@@ -77,6 +79,8 @@ class WithdrawUserSnapshot(BaseModel):
     id: int
     phone: str
     nickname: str | None = None
+    is_high_risk: bool = False
+    high_risk_note: str | None = None
     status: str
     wechat_nickname: str | None = None
     wechat_avatar_url: str | None = None
@@ -87,19 +91,34 @@ class WithdrawUserSnapshot(BaseModel):
     withdraw_success_cents: int
 
 
+class InviteeDetailOut(BaseModel):
+    user_id: int
+    phone: str
+    registered_at: datetime
+    invite_success: bool
+    first_compare_store: str | None = None
+    first_compare_products: str | None = None
+    first_order_store: str | None = None
+    first_order_products: str | None = None
+    first_order_amount_cents: int | None = None
+
+
+class InviteOverviewOut(BaseModel):
+    invite_total: int
+    invite_success_total: int
+    items: list[InviteeDetailOut]
+
+
 class WithdrawDetailOut(BaseModel):
     order: WithdrawOrderOut
     user: WithdrawUserSnapshot | None = None
+    cumulative_success_cents: int = 0
     risk_flags: list[str]
     risk_score: int
     recent_withdraws: list[WithdrawOrderOut]
     recent_cash_transactions: list[CashTxnOut]
     audit_logs: list[AdminAuditLogOut]
-
-
-class ReconcileResult(BaseModel):
-    checked: int
-    resolved: int
+    invite_overview: InviteOverviewOut | None = None
 
 
 class WithdrawBulkRequest(BaseModel):
@@ -128,26 +147,6 @@ class WithdrawBulkResult(BaseModel):
     items: list[WithdrawBulkItemResult]
 
 
-class WithdrawLedgerCheckOut(BaseModel):
-    ok: bool
-    # 普通现金账(coin_cash:金币兑换的现金)
-    cash_balance_total_cents: int
-    cash_transaction_total_cents: int
-    balance_diff_cents: int
-    missing_withdraw_txn_count: int
-    missing_refund_txn_count: int
-    duplicate_refund_txn_count: int
-    refund_txn_on_non_terminal_count: int
-    # 邀请奖励金账(invite_cash:与普通现金物理隔离,各自对账)。默认 0 向后兼容。
-    invite_cash_balance_total_cents: int = 0
-    invite_cash_transaction_total_cents: int = 0
-    invite_balance_diff_cents: int = 0
-    invite_missing_withdraw_txn_count: int = 0
-    invite_missing_refund_txn_count: int = 0
-    invite_duplicate_refund_txn_count: int = 0
-    invite_refund_txn_on_non_terminal_count: int = 0
-
-
 class WxpayHealthCheckOut(BaseModel):
     ok: bool
     wxpay_configured: bool

app/models/user.py

@@ -11,7 +11,7 @@ from __future__ import annotations
 
 from datetime import datetime, timezone
 
-from sqlalchemy import Boolean, DateTime, Integer, String, false, func
+from sqlalchemy import Boolean, DateTime, Integer, String, Text, false, func
 from sqlalchemy.orm import Mapped, mapped_column
 
 from app.db.base import Base
@@ -62,6 +62,13 @@ class User(Base):
         Boolean, nullable=False, default=False, server_default=false()
     )
 
+    # 运营人工风险标记。与自动风控分值分开：这里表达人工复核结论，并保留可编辑备注，
+    # 供邀请提现、其他提现和用户管理三个页面统一展示。
+    is_high_risk: Mapped[bool] = mapped_column(
+        Boolean, nullable=False, default=False, server_default=false(), index=True
+    )
+    high_risk_note: Mapped[str | None] = mapped_column(Text, nullable=True)
+
     created_at: Mapped[datetime] = mapped_column(
         DateTime(timezone=True), server_default=func.now(), nullable=False
     )

app/repositories/wallet.py

@@ -6,6 +6,7 @@
 """
 from __future__ import annotations
 
+import logging
 import re
 import unicodedata
 import uuid
@@ -20,7 +21,6 @@ from app.core.config import settings
 from app.core.rewards import COIN_PER_CENT, coins_to_cents
 from app.integrations import wxpay
 from app.models.user import User
-from app.repositories.user import apply_wechat_display_identity
 from app.models.wallet import (
     CashTransaction,
     CoinAccount,
@@ -29,12 +29,55 @@ from app.models.wallet import (
     WechatTransferAuthorization,
     WithdrawOrder,
 )
+from app.repositories.user import apply_wechat_display_identity
 from app.services import notification_events
 
+logger = logging.getLogger(__name__)
+
 # 微信转账终态:成功 / 失败(失败/取消/关闭都退款)
 _WX_STATE_SUCCESS = "SUCCESS"
 _WX_STATE_FAILED = {"FAIL", "CANCELLED", "CLOSED"}
 _WX_STATE_WAIT_CONFIRM = "WAIT_USER_CONFIRM"  # 用户还没在微信确认页确认
+_WX_FAIL_REASON_LABELS = {
+    "ACCOUNT_FROZEN": "用户微信账户被冻结",
+    "ACCOUNT_NOT_EXIST": "用户微信账户不存在",
+    "BANK_CARD_ACCOUNT_ABNORMAL": "用户银行卡已销户、冻结、作废或挂失",
+    "BANK_CARD_BANK_INFO_WRONG": "用户登记的银行或分支行信息有误",
+    "BANK_CARD_CARD_INFO_WRONG": "用户银行卡户名或卡号有误",
+    "BANK_CARD_COLLECTIONS_ABOVE_QUOTA": "用户银行卡收款达到限额",
+    "BANK_CARD_PARAM_ERROR": "用户收款银行卡信息错误",
+    "BANK_CARD_STATUS_ABNORMAL": "用户银行卡状态异常",
+    "BLOCK_B2C_USERLIMITAMOUNT_BSRULE_MONTH": "用户本月转账收款已达限额",
+    "BLOCK_B2C_USERLIMITAMOUNT_MONTH": "用户账户存在风险，本月收款受限",
+    "DAY_RECEIVED_COUNT_EXCEED": "用户当日收款次数已达上限",
+    "DAY_RECEIVED_QUOTA_EXCEED": "用户当日收款额度已达上限",
+    "EXCEEDED_ESTIMATED_AMOUNT": "转账金额超过预约金额范围",
+    "ID_CARD_NOT_CORRECT": "收款人身份证校验不通过",
+    "MCH_CANCEL": "商户已撤销付款",
+    "MERCHANT_REJECT": "商户转账验密人已驳回",
+    "MERCHANT_NOT_CONFIRM": "商户转账验密人超时未确认",
+    "NAME_NOT_CORRECT": "收款人姓名校验不通过",
+    "OPENID_INVALID": "用户 OpenID 无效或不属于当前 AppID",
+    "OTHER_FAIL_REASON_TYPE": "微信返回其他失败原因",
+    "OVERDUE_CLOSE": "超过微信系统重试期，订单自动关闭",
+    "PAYEE_ACCOUNT_ABNORMAL": "用户微信账户收款异常",
+    "PAYER_ACCOUNT_ABNORMAL": "商户账户付款受限",
+    "PRODUCT_AUTH_CHECK_FAIL": "商户未开通转账权限或权限已冻结",
+    "REALNAME_ACCOUNT_RECEIVED_QUOTA_EXCEED": "用户微信实名账户收款受限",
+    "REAL_NAME_CHECK_FAIL": "用户未完成微信实名认证",
+    "RECEIVE_ACCOUNT_NOT_CONFIGURE": "商户未配置收款用户列表",
+    "RESERVATION_INFO_NOT_MATCH": "转账信息与预约信息不一致",
+    "RESERVATION_SCENE_NOT_MATCH": "转账场景与预约场景不一致",
+    "RESERVATION_STATE_INVALID": "预约转账单状态异常",
+    "TRANSFER_QUOTA_EXCEED": "用户单笔收款额度已达上限",
+    "TRANSFER_REMARK_SET_FAIL": "微信转账备注设置失败",
+    "TRANSFER_RISK": "该笔转账存在风险，已被微信拦截",
+    "TRANSFER_SCENE_INVALID": "商户未获取当前转账场景",
+    "TRANSFER_SCENE_UNAVAILABLE": "当前转账场景暂不可用",
+    "RELATED_ORDER_TRANSFER_AMOUNT_EXCEED": "关联订单累计付款金额超过上限",
+    "RELATED_ORDER_TRANSFER_COUNT_EXCEED": "关联订单累计付款次数超过上限",
+    "BUDGET_NOT_ENOUGH": "商户预算资金不足",
+}
 # 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)。
 # 被拒/转账失败/解绑退回(rejected/failed,均已退款、钱没到手)不在此列 → 新人档恢复可提
 # (2026-07-16 修正:此前判定不看状态,解绑微信退回后 0.1 被误判已用、资格永久锁死)。
@@ -479,6 +522,19 @@ def _try_deduct_cash(db: Session, user_id: int, amount_cents: int, source: str =
 
 def _add_cash(db: Session, user_id: int, amount_cents: int, source: str = "coin_cash") -> int:
     """原子增加指定账户余额(退款用),返回加后余额。source 决定退回哪个账户(两账户隔离)。"""
+    # Normal withdrawals always create the account before deducting funds. This
+    # fallback covers legacy rows, hand-written fixtures, and broken migrations:
+    # a missing balance snapshot must not make a legitimate refund fail with 500.
+    if db.get(CoinAccount, user_id) is None:
+        logger.error(
+            "withdraw refund found missing coin_account; recreating empty account: "
+            "user_id=%s source=%s amount_cents=%s",
+            user_id,
+            source,
+            amount_cents,
+        )
+        get_or_create_account(db, user_id, commit=False)
+
     col = _balance_col(source)
     db.execute(
         update(CoinAccount)
@@ -582,6 +638,32 @@ def _wx_not_found(result: dict) -> bool:
     return "NOT_FOUND" in str(code)
 
 
+def _wechat_api_error_reason(data: object) -> str:
+    """Format a non-200 WeChat API response for operator display."""
+    if not isinstance(data, dict):
+        return f"微信发起转账失败：{data}"
+    code = str(data.get("code") or "").strip()
+    message = str(data.get("message") or "").strip()
+    if code and message:
+        return f"微信发起转账失败：{message}（{code}）"
+    return f"微信发起转账失败：{message or code or '未知错误'}"
+
+
+def _wechat_terminal_failure_reason(data: dict, state: str) -> str:
+    """Translate WeChat query ``fail_reason`` while preserving unknown codes."""
+    code = str(data.get("fail_reason") or "").strip()
+    if code:
+        label = _WX_FAIL_REASON_LABELS.get(code)
+        if label:
+            return f"微信转账失败：{label}（{code}）"
+        return f"微信转账失败：{code}"
+    if state == "CANCELLED":
+        return "微信转账已撤销（CANCELLED）"
+    if state == "CLOSED":
+        return "微信转账已关闭（CLOSED）"
+    return f"微信转账失败（状态：{state or 'FAIL'}）"
+
+
 def _settle_after_ambiguous(db: Session, order: WithdrawOrder, reason: str) -> None:
     """转账调用结果不明(超时/异常/非200)时,**先查单再决定**,绝不盲目退款(防退款后又到账)。
       - 微信查到 SUCCESS        → 钱已出,置 success,不退款
@@ -607,13 +689,17 @@ def _settle_after_ambiguous(db: Session, order: WithdrawOrder, reason: str) -> N
 
     state = q["data"].get("state", "")
     order.wechat_state = state
+    order.transfer_bill_no = q["data"].get("transfer_bill_no") or order.transfer_bill_no
     if state == _WX_STATE_SUCCESS:
         order.status = "success"
-        order.transfer_bill_no = q["data"].get("transfer_bill_no")
         db.commit()
         notification_events.notify_withdraw_success(db, order)  # PRD #3 提现到账
     elif state in _WX_STATE_FAILED:
-        _refund_withdraw(db, order, reason=reason)
+        _refund_withdraw(
+            db,
+            order,
+            reason=_wechat_terminal_failure_reason(q["data"], state),
+        )
     else:
         order.package_info = q["data"].get("package_info") or order.package_info
         db.commit()
@@ -967,6 +1053,14 @@ def _apply_transfer_result(db: Session, order: WithdrawOrder, data: dict) -> Wit
     order.package_info = data.get("package_info")  # 免确认转账无此字段(None);确认模式带它供拉确认页
     if data.get("state") == _WX_STATE_SUCCESS:
         order.status = "success"
+    elif data.get("state") in _WX_STATE_FAILED:
+        _refund_withdraw(
+            db,
+            order,
+            reason=_wechat_terminal_failure_reason(data, str(data.get("state") or "")),
+        )
+        db.refresh(order)
+        return order
     db.commit()
     db.refresh(order)
     if order.status == "success":  # 免确认转账直接到账 → PRD #3 提现到账
@@ -1011,7 +1105,11 @@ def execute_withdraw_transfer(db: Session, order: WithdrawOrder) -> WithdrawOrde
             return order
         if result["status_code"] != 200:
             # 金额安全:查转账单后定夺,绝不盲退(未创建→退款,已创建→按真实状态)
-            _settle_after_ambiguous(db, order, reason=str(result["data"].get("message") or result["data"]))
+            _settle_after_ambiguous(
+                db,
+                order,
+                reason=_wechat_api_error_reason(result["data"]),
+            )
             # 授权有效性:回查授权单,微信侧已失效(用户关闭/风控)→标 closed,下次提现自动回退方式一重新授权
             _refresh_active_auth(db, order.user_id)
             db.refresh(order)
@@ -1039,7 +1137,11 @@ def execute_withdraw_transfer(db: Session, order: WithdrawOrder) -> WithdrawOrde
         return order
 
     if result["status_code"] != 200:
-        _settle_after_ambiguous(db, order, reason=str(result["data"].get("message") or result["data"]))
+        _settle_after_ambiguous(
+            db,
+            order,
+            reason=_wechat_api_error_reason(result["data"]),
+        )
         db.refresh(order)
         return order
 
@@ -1096,19 +1198,24 @@ def refresh_withdraw_status(
     ).scalar_one_or_none()
     if order is None:
         raise WithdrawOrderNotFound
-    if order.status != "pending":
-        return order  # 已终态,不再查
+    if order.status not in {"pending", "failed"}:
+        return order
+    enrich_failed_order = order.status == "failed"
 
     try:
         result = wxpay.query_transfer(out_bill_no)
     except wxpay.WxPayNotConfiguredError:
         raise
     except Exception as exc:  # noqa: BLE001 - 查单失败不能把运营后台打成 500
+        if enrich_failed_order:
+            return order
         order.fail_reason = f"微信查单异常,保持pending: {exc}"[:256]
         db.commit()
         db.refresh(order)
         return order
     if result["status_code"] != 200:
+        if enrich_failed_order:
+            return order
         if _wx_not_found(result):
             # 微信明确无此单 → 转账从未创建(如崩溃在扣款后/调用前),退款安全
             _refund_withdraw(db, order, reason="微信无此单,已退回")
@@ -1117,12 +1224,32 @@ def refresh_withdraw_status(
 
     state = result["data"].get("state", "")
     order.wechat_state = state
+    order.transfer_bill_no = (
+        result["data"].get("transfer_bill_no") or order.transfer_bill_no
+    )
+    if enrich_failed_order:
+        if state in _WX_STATE_FAILED:
+            order.fail_reason = _wechat_terminal_failure_reason(
+                result["data"], state
+            )[:256]
+        elif state == _WX_STATE_SUCCESS:
+            order.fail_reason = (
+                "资金状态异常：本地已退款，但微信查单显示已到账，请人工核查"
+            )
+        db.commit()
+        db.refresh(order)
+        return order
+
     if state == _WX_STATE_SUCCESS:
         order.status = "success"
         db.commit()
         notification_events.notify_withdraw_success(db, order)  # PRD #3 提现到账
     elif state in _WX_STATE_FAILED:
-        _refund_withdraw(db, order, reason=f"微信转账状态 {state}")
+        _refund_withdraw(
+            db,
+            order,
+            reason=_wechat_terminal_failure_reason(result["data"], state),
+        )
     elif state == _WX_STATE_WAIT_CONFIRM and cancel_if_unconfirmed:
         # 用户从确认页回来了却仍未确认 → 视为放弃:撤销微信单(防事后确认导致重复打款)后退款。
         # 撤单失败(可能已被确认进 ACCEPTED 的竞态)则保持 pending,等下次查询。

tests/test_admin_read.py

@@ -12,6 +12,9 @@ from app.admin.repositories import admin_user as admin_repo
 from app.db.session import SessionLocal, engine
 from app.models.comparison import ComparisonRecord
 from app.models.feedback import Feedback
+from app.models.invite import InviteRelation
+from app.models.savings import SavingsRecord
+from app.models.user import User
 from app.models.wallet import CashTransaction, WithdrawOrder
 from app.repositories import user as user_repo
 from app.repositories import wallet as wallet_repo
@@ -162,6 +165,57 @@ def test_user_reward_detail_does_not_select_unrelated_new_ad_columns(
     assert records.status_code == 200, records.text
 
 
+def test_user_reward_stats_can_scope_withdrawals_by_account(
+    admin_client: TestClient, admin_token: str
+) -> None:
+    uid = _seed_user_with_data("13800000023")
+    db = SessionLocal()
+    try:
+        account = wallet_repo.get_or_create_account(db, uid)
+        account.cash_balance_cents = 123
+        account.invite_cash_balance_cents = 456
+        db.add_all(
+            [
+                WithdrawOrder(
+                    user_id=uid,
+                    out_bill_no="rewardstatsinvite00000001",
+                    amount_cents=250,
+                    source="invite_cash",
+                    status="success",
+                ),
+                WithdrawOrder(
+                    user_id=uid,
+                    out_bill_no="rewardstatsinvite00000002",
+                    amount_cents=50,
+                    source="invite_cash",
+                    status="reviewing",
+                ),
+            ]
+        )
+        db.commit()
+    finally:
+        db.close()
+
+    coin = admin_client.get(
+        f"/admin/api/users/{uid}/reward-stats",
+        params={"withdraw_source": "coin_cash"},
+        headers=_auth(admin_token),
+    )
+    invite = admin_client.get(
+        f"/admin/api/users/{uid}/reward-stats",
+        params={"withdraw_source": "invite_cash"},
+        headers=_auth(admin_token),
+    )
+    assert coin.status_code == 200, coin.text
+    assert invite.status_code == 200, invite.text
+    assert coin.json()["withdraw_success_cents"] == 100
+    assert coin.json()["withdraw_total"] == 1
+    assert coin.json()["cash_balance_cents"] == 123
+    assert invite.json()["withdraw_success_cents"] == 250
+    assert invite.json()["withdraw_total"] == 2
+    assert invite.json()["cash_balance_cents"] == 456
+
+
 def test_user_filter_by_status(admin_client: TestClient, admin_token: str) -> None:
     _seed_user_with_data("13800000003")
     r = admin_client.get("/admin/api/users", params={"status": "active"}, headers=_auth(admin_token))
@@ -307,10 +361,19 @@ def test_withdraw_list_exposes_source_and_filters(
     db = SessionLocal()
     try:
         uid = user_repo.upsert_user_for_login(db, phone="13800009002", register_channel="sms").id
+        # 直接从 ORM 查询，验证列表富化返回人工风险结论。
+        user = db.get(User, uid)
+        assert user is not None
+        user.is_high_risk = True
+        user.high_risk_note = "邀请行为异常"
         db.add(WithdrawOrder(user_id=uid, out_bill_no=f"src{uid}coin0001",
                              amount_cents=100, status="success", source="coin_cash"))
         db.add(WithdrawOrder(user_id=uid, out_bill_no=f"src{uid}invite001",
                              amount_cents=200, status="success", source="invite_cash"))
+        db.add(WithdrawOrder(user_id=uid, out_bill_no=f"src{uid}coinreview",
+                             amount_cents=50, status="reviewing", source="coin_cash"))
+        db.add(WithdrawOrder(user_id=uid, out_bill_no=f"src{uid}invitereview",
+                             amount_cents=80, status="reviewing", source="invite_cash"))
         db.commit()
     finally:
         db.close()
@@ -325,6 +388,106 @@ def test_withdraw_list_exposes_source_and_filters(
     )
     items = r.json()["items"]
     assert items and all(it["source"] == "invite_cash" for it in items)
+    assert all(it["is_high_risk"] is True for it in items)
+    assert all(it["high_risk_note"] == "邀请行为异常" for it in items)
+    # 累计提现按当前审核页账户隔离，不把普通现金的 100 分串进邀请金。
+    assert all(it["cumulative_success_cents"] == 200 for it in items)
+
+    invite_summary = admin_client.get(
+        "/admin/api/withdraws/summary",
+        params={"source": "invite_cash"},
+        headers=_auth(admin_token),
+    ).json()
+    other_summary = admin_client.get(
+        "/admin/api/withdraws/summary",
+        params={"source": "coin_cash"},
+        headers=_auth(admin_token),
+    ).json()
+    assert invite_summary["reviewing_count"] >= 1
+    assert other_summary["reviewing_count"] >= 1
+    assert invite_summary["reviewing_amount_cents"] >= 80
+    assert other_summary["reviewing_amount_cents"] >= 50
+
+
+def test_invite_withdraw_detail_contains_invitee_first_actions(
+    admin_client: TestClient, admin_token: str
+) -> None:
+    db = SessionLocal()
+    try:
+        inviter = user_repo.upsert_user_for_login(
+            db, phone="13800009031", register_channel="sms"
+        )
+        invitee = user_repo.upsert_user_for_login(
+            db, phone="13800009032", register_channel="sms"
+        )
+        db.add(
+            InviteRelation(
+                inviter_user_id=inviter.id,
+                invitee_user_id=invitee.id,
+                status="effective",
+                compare_reward_granted=True,
+                compare_reward_cents=50,
+            )
+        )
+        db.add(
+            ComparisonRecord(
+                user_id=invitee.id,
+                trace_id="invite-detail-first-compare",
+                status="success",
+                store_name="首次比价商家",
+                product_names="商品甲、商品乙",
+            )
+        )
+        db.add(
+            SavingsRecord(
+                user_id=invitee.id,
+                order_amount_cents=1888,
+                saved_amount_cents=300,
+                source="compare",
+                shop_name="首次下单商家",
+                title="首次下单商品",
+                dishes=[],
+            )
+        )
+        bill = "inviteoverviewbill0001"
+        db.add(
+            WithdrawOrder(
+                user_id=inviter.id,
+                out_bill_no=bill,
+                amount_cents=100,
+                status="reviewing",
+                source="invite_cash",
+            )
+        )
+        db.commit()
+    finally:
+        db.close()
+
+    response = admin_client.get(
+        f"/admin/api/withdraws/{bill}", headers=_auth(admin_token)
+    )
+    assert response.status_code == 200, response.text
+    overview = response.json()["invite_overview"]
+    assert overview["invite_total"] == 1
+    assert overview["invite_success_total"] == 1
+    item = overview["items"][0]
+    assert item["phone"] == "13800009032"
+    assert item["first_compare_store"] == "首次比价商家"
+    assert item["first_compare_products"] == "商品甲、商品乙"
+    assert item["first_order_store"] == "首次下单商家"
+    assert item["first_order_products"] == "首次下单商品"
+    assert item["first_order_amount_cents"] == 1888
+
+    filtered = admin_client.get(
+        f"/admin/api/withdraws/{bill}",
+        params={
+            "date_from": "2099-01-01T00:00:00Z",
+            "date_to": "2099-01-02T00:00:00Z",
+        },
+        headers=_auth(admin_token),
+    )
+    assert filtered.status_code == 200, filtered.text
+    assert filtered.json()["invite_overview"]["invite_total"] == 0
 
 
 def test_ad_coin_audit_full_count_truncate_and_only_mismatch(

tests/test_admin_roles.py

@@ -190,7 +190,13 @@ def test_builtin_roles_labels_and_pages(admin_client, super_token) -> None:
     assert roles["finance"]["label"] == "财务"
     assert roles["tech"]["label"] == "技术"
     # 页集对齐 Prototypes/dashboard/permissions.md 的 ROLES
-    assert set(roles["finance"]["pages"]) == {"dashboard", "ad-revenue-report", "cps", "withdraws"}
+    assert set(roles["finance"]["pages"]) == {
+        "dashboard",
+        "ad-revenue-report",
+        "cps",
+        "invite-withdraws",
+        "withdraws",
+    }
     assert set(roles["tech"]["pages"]) == {
         "dashboard", "risk-monitor", "device-liveness", "analytics-health", "config",
         "ad-revenue", "huawei-review", "event-logs", "audit-logs",

tests/test_admin_write.py

@@ -103,6 +103,61 @@ def _seed_price_report(phone: str) -> int:
         db.close()
 
 
+def test_set_user_risk_requires_note_and_writes_audit(
+    admin_client: TestClient, operator_token: str
+) -> None:
+    uid = _seed_user("13900000991")
+
+    missing_note = admin_client.post(
+        f"/admin/api/users/{uid}/risk",
+        json={"is_high_risk": True, "note": "   "},
+        headers=_auth(operator_token),
+    )
+    assert missing_note.status_code == 422
+
+    marked = admin_client.post(
+        f"/admin/api/users/{uid}/risk",
+        json={"is_high_risk": True, "note": "邀请记录存在批量异常"},
+        headers=_auth(operator_token),
+    )
+    assert marked.status_code == 200, marked.text
+
+    listed = admin_client.get(
+        "/admin/api/users",
+        params={"phone": "13900000991"},
+        headers=_auth(operator_token),
+    ).json()["items"][0]
+    assert listed["is_high_risk"] is True
+    assert listed["high_risk_note"] == "邀请记录存在批量异常"
+
+    db = SessionLocal()
+    try:
+        audit = db.execute(
+            select(AdminAuditLog)
+            .where(
+                AdminAuditLog.action == "user.risk.set",
+                AdminAuditLog.target_id == str(uid),
+            )
+            .order_by(AdminAuditLog.id.desc())
+        ).scalars().first()
+        assert audit is not None
+        assert audit.detail["after"]["is_high_risk"] is True
+    finally:
+        db.close()
+
+    cleared = admin_client.post(
+        f"/admin/api/users/{uid}/risk",
+        json={"is_high_risk": False, "note": None},
+        headers=_auth(operator_token),
+    )
+    assert cleared.status_code == 200
+    overview = admin_client.get(
+        f"/admin/api/users/{uid}", headers=_auth(operator_token)
+    ).json()
+    assert overview["user"]["is_high_risk"] is False
+    assert overview["user"]["high_risk_note"] is None
+
+
 # ===== 调金币 =====
 
 def test_grant_coins_writes_txn_and_audit(admin_client: TestClient, finance_token: str) -> None:
@@ -579,15 +634,47 @@ def test_withdraw_refresh_404(admin_client: TestClient, finance_token: str) -> N
     ).status_code == 404
 
 
-def test_withdraw_reconcile(admin_client: TestClient, finance_token: str, monkeypatch) -> None:
+def test_withdraw_refresh_enriches_existing_failed_reason(
+    admin_client: TestClient, finance_token: str, monkeypatch
+) -> None:
+    uid = _seed_user("13900000017")
+    with SessionLocal() as db:
+        db.add(
+            WithdrawOrder(
+                user_id=uid,
+                out_bill_no="adminfailedreason01",
+                amount_cents=100,
+                status="failed",
+                wechat_state="FAIL",
+                fail_reason="微信转账状态 FAIL",
+            )
+        )
+        db.commit()
+
     from app.repositories import wallet as wr
+
     monkeypatch.setattr(
-        wr.wxpay, "query_transfer",
-        lambda obn: {"status_code": 200, "data": {"state": "SUCCESS"}},
+        wr.wxpay,
+        "query_transfer",
+        lambda out_bill_no: {
+            "status_code": 200,
+            "data": {
+                "state": "FAIL",
+                "fail_reason": "TRANSFER_RISK",
+                "transfer_bill_no": "wx_failed_reason_01",
+            },
+        },
     )
-    r = admin_client.post(
-        "/admin/api/withdraws/reconcile", params={"older_than_minutes": 0},
+
+    response = admin_client.post(
+        "/admin/api/withdraws/adminfailedreason01/refresh",
         headers=_auth(finance_token),
     )
-    assert r.status_code == 200, r.text
-    assert "checked" in r.json() and "resolved" in r.json()
+
+    assert response.status_code == 200, response.text
+    assert response.json()["status"] == "failed"
+    assert response.json()["wechat_state"] == "FAIL"
+    assert response.json()["transfer_bill_no"] == "wx_failed_reason_01"
+    assert response.json()["fail_reason"] == (
+        "微信转账失败：该笔转账存在风险，已被微信拦截（TRANSFER_RISK）"
+    )

tests/test_invite_cash_withdraw.py

@@ -127,6 +127,51 @@ def test_invite_cash_reject_refunds_invite_account(client, monkeypatch) -> None:
         db.close()
 
 
+def test_invite_cash_reject_recreates_missing_account(client, monkeypatch) -> None:
+    """A legacy or hand-written order without CoinAccount can still be refunded."""
+    _patch_userinfo(monkeypatch, "openid_ic_missing_account")
+    token = _login(client, "13800004012")
+    _seed_balances(client, token, "13800004012", cash=0, invite_cash=200)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    response = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 200, "source": "invite_cash"},
+        headers=_auth(token),
+    )
+    assert response.status_code == 200, response.text
+    bill = response.json()["out_bill_no"]
+
+    with SessionLocal() as db:
+        user = db.execute(
+            select(User).where(User.phone == "13800004012")
+        ).scalar_one()
+        db.delete(db.get(CoinAccount, user.id))
+        db.commit()
+
+    _reject(bill, "missing account fixture")
+
+    with SessionLocal() as db:
+        user = db.execute(
+            select(User).where(User.phone == "13800004012")
+        ).scalar_one()
+        account = db.get(CoinAccount, user.id)
+        order = crud_wallet._get_withdraw_or_raise(db, bill)
+        refunds = db.execute(
+            select(InviteCashTransaction).where(
+                InviteCashTransaction.user_id == user.id,
+                InviteCashTransaction.biz_type == "invite_withdraw_refund",
+                InviteCashTransaction.ref_id == bill,
+            )
+        ).scalars().all()
+
+        assert account is not None
+        assert account.invite_cash_balance_cents == 200
+        assert order.status == "rejected"
+        assert order.fail_reason == "missing account fixture"
+        assert len(refunds) == 1 and refunds[0].amount_cents == 200
+
+
 def test_two_accounts_withdraw_independent(client, monkeypatch) -> None:
     """两账户各提各的不串:提 invite_cash(拒绝→验证退款回原账户),再提 cash,各扣各账户互不串。"""
     _patch_userinfo(monkeypatch, "openid_ic_3")

tests/test_withdraw.py

@@ -9,7 +9,7 @@ from sqlalchemy import select
 
 from app.db.session import SessionLocal
 from app.models.user import User
-from app.models.wallet import CoinAccount, WithdrawOrder, WechatTransferAuthorization
+from app.models.wallet import CoinAccount, WechatTransferAuthorization, WithdrawOrder
 from app.repositories import wallet as crud_wallet
 
 
@@ -232,6 +232,78 @@ def test_withdraw_approve_transfer_fail_refunds(client, monkeypatch) -> None:
     assert r.json()["items"][0]["status"] == "failed"
 
 
+def test_approved_withdraw_query_fail_exposes_wechat_reason(client, monkeypatch) -> None:
+    """审核通过后微信终态失败时，保存官方失败码对应原因并退回余额。"""
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {
+            "openid": "openid_query_fail",
+            "nickname": None,
+            "avatar_url": None,
+            "raw": {},
+        },
+    )
+    monkeypatch.setattr(
+        "app.integrations.wxpay.create_transfer",
+        lambda openid, amount_fen, out_bill_no, user_name=None: {
+            "status_code": 200,
+            "data": {
+                "state": "WAIT_USER_CONFIRM",
+                "package_info": "pkg_query_fail",
+                "transfer_bill_no": "tb_query_fail",
+            },
+        },
+    )
+    token = _login(client, "13800002025")
+    _seed_cash(client, token, "13800002025", 100)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    response = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 50},
+        headers=_auth(token),
+    )
+    bill = response.json()["out_bill_no"]
+    _approve(bill)
+
+    monkeypatch.setattr(
+        "app.integrations.wxpay.query_transfer",
+        lambda out_bill_no: {
+            "status_code": 200,
+            "data": {
+                "state": "FAIL",
+                "fail_reason": "PAYEE_ACCOUNT_ABNORMAL",
+                "transfer_bill_no": "tb_query_fail",
+            },
+        },
+    )
+    response = client.get(
+        "/api/v1/wallet/withdraw/status",
+        params={"out_bill_no": bill},
+        headers=_auth(token),
+    )
+
+    assert response.status_code == 200, response.text
+    assert response.json()["status"] == "failed"
+    assert response.json()["wechat_state"] == "FAIL"
+    assert response.json()["fail_reason"] == (
+        "微信转账失败：用户微信账户收款异常（PAYEE_ACCOUNT_ABNORMAL）"
+    )
+    with SessionLocal() as db:
+        order = db.execute(
+            select(WithdrawOrder).where(WithdrawOrder.out_bill_no == bill)
+        ).scalar_one()
+        assert order.transfer_bill_no == "tb_query_fail"
+    account = client.get("/api/v1/wallet/account", headers=_auth(token))
+    assert account.json()["cash_balance_cents"] == 100
+
+
+def test_unknown_wechat_fail_reason_code_is_preserved() -> None:
+    assert crud_wallet._wechat_terminal_failure_reason(
+        {"fail_reason": "NEW_WECHAT_REASON"}, "FAIL"
+    ) == "微信转账失败：NEW_WECHAT_REASON"
+
+
 def test_withdraw_idempotent_same_bill_no(client, monkeypatch) -> None:
     """#2 同 out_bill_no 重试:只转一次,第二次返回同一单,余额只扣一次。"""
     monkeypatch.setattr("app.integrations.wxpay.code_to_userinfo", lambda code: {"openid": "openid_idem", "nickname": None, "avatar_url": None, "raw": {}})

tests/test_withdraw_ledger_check.py

@@ -1,151 +0,0 @@
-"""提现现金账本校验(admin ledger-check)测试:两本物理隔离的账各自对账。
-
-历史盲区:`withdraw_ledger_check` 曾拿全部提现单去和**普通现金流水**(cash_transaction)比对,
-而 source=invite_cash 的提现单流水其实在 invite_cash_transaction 表,导致每笔邀请提现单都被
-误报「缺扣款/缺退款流水」。这里用真实提现 API 造单 + before/after 差值断言锁定修复:
-  1) 邀请提现单不再污染普通现金账的缺流水计数;
-  2) 邀请账户已被纳入对账(能抓到它自己的缺流水);
-  3) 普通现金账的原有对账未被改坏。
-
-conftest 的库是 session 级共享、测试间不清,故一律用 before/after 差值,只反映本用例造的数据。
-"""
-from __future__ import annotations
-
-from sqlalchemy import delete, select
-
-from app.admin.repositories.queries import withdraw_ledger_check
-from app.db.session import SessionLocal
-from app.models.user import User
-from app.models.wallet import CoinAccount, InviteCashTransaction
-from app.repositories import wallet as crud_wallet
-
-
-def _login(client, phone: str) -> str:
-    client.post("/api/v1/auth/sms/send", json={"phone": phone})
-    r = client.post("/api/v1/auth/sms/login", json={"phone": phone, "code": "123456"})
-    assert r.status_code == 200, r.text
-    return r.json()["access_token"]
-
-
-def _auth(token: str) -> dict[str, str]:
-    return {"Authorization": f"Bearer {token}"}
-
-
-def _patch_userinfo(monkeypatch, openid: str) -> None:
-    monkeypatch.setattr(
-        "app.integrations.wxpay.code_to_userinfo",
-        lambda code: {"openid": openid, "nickname": None, "avatar_url": None, "raw": {}},
-    )
-
-
-def _seed_balances(client, token: str, phone: str, *, cash: int = 0, invite_cash: int = 0) -> None:
-    client.get("/api/v1/wallet/account", headers=_auth(token))
-    db = SessionLocal()
-    try:
-        user = db.execute(select(User).where(User.phone == phone)).scalar_one()
-        acc = db.get(CoinAccount, user.id)
-        acc.cash_balance_cents = cash
-        acc.invite_cash_balance_cents = invite_cash
-        db.commit()
-    finally:
-        db.close()
-
-
-def _reject(bill: str, reason: str = "测试拒绝") -> None:
-    db = SessionLocal()
-    try:
-        crud_wallet.reject_withdraw(db, bill, reason)
-    finally:
-        db.close()
-
-
-def _ledger() -> dict:
-    db = SessionLocal()
-    try:
-        return withdraw_ledger_check(db)
-    finally:
-        db.close()
-
-
-def test_rejected_invite_withdraw_not_flagged_missing(client, monkeypatch) -> None:
-    """核心回归:一笔被拒绝的 invite_cash 提现单,扣款/退款流水都在 invite_cash_transaction,
-    不应让普通现金账的缺扣款/缺退款计数增加(修复前每笔会各 +1)。"""
-    before = _ledger()
-
-    _patch_userinfo(monkeypatch, "openid_lc_1")
-    token = _login(client, "13800005001")
-    _seed_balances(client, token, "13800005001", cash=0, invite_cash=500)
-    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
-    r = client.post(
-        "/api/v1/wallet/withdraw",
-        json={"amount_cents": 200, "source": "invite_cash"},
-        headers=_auth(token),
-    )
-    assert r.status_code == 200, r.text
-    _reject(r.json()["out_bill_no"])  # rejected + 退款流水落 invite_cash_transaction
-
-    after = _ledger()
-
-    # 普通现金账不该因这笔 invite 单产生缺流水(修复前会各 +1 → 就是页面上看到的误报)
-    assert after["missing_withdraw_txn_count"] == before["missing_withdraw_txn_count"]
-    assert after["missing_refund_txn_count"] == before["missing_refund_txn_count"]
-    # 邀请账扣款 + 退款流水齐全,邀请账自身也不该缺
-    assert after["invite_missing_withdraw_txn_count"] == before["invite_missing_withdraw_txn_count"]
-    assert after["invite_missing_refund_txn_count"] == before["invite_missing_refund_txn_count"]
-
-
-def test_invite_ledger_detects_missing_withdraw_txn(client, monkeypatch) -> None:
-    """删掉一笔 invite 提现单的扣款流水 → 邀请账缺扣款计数 +1、ok=False,
-    证明邀请账户已真正纳入对账(修复前邀请账完全不校验、永远报不出问题)。"""
-    _patch_userinfo(monkeypatch, "openid_lc_2")
-    token = _login(client, "13800005002")
-    _seed_balances(client, token, "13800005002", cash=0, invite_cash=500)
-    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
-    r = client.post(
-        "/api/v1/wallet/withdraw",
-        json={"amount_cents": 200, "source": "invite_cash"},
-        headers=_auth(token),
-    )
-    bill = r.json()["out_bill_no"]
-
-    before = _ledger()
-    db = SessionLocal()
-    try:
-        db.execute(
-            delete(InviteCashTransaction).where(
-                InviteCashTransaction.ref_id == bill,
-                InviteCashTransaction.biz_type == "invite_withdraw",
-            )
-        )
-        db.commit()
-    finally:
-        db.close()
-    after = _ledger()
-
-    assert (
-        after["invite_missing_withdraw_txn_count"]
-        == before["invite_missing_withdraw_txn_count"] + 1
-    )
-    assert after["ok"] is False
-
-
-def test_coin_cash_withdraw_still_reconciled(client, monkeypatch) -> None:
-    """普通现金 coin_cash 提现单齐全时不新增缺流水(确保分账改造没弄坏原有普通现金对账)。"""
-    _patch_userinfo(monkeypatch, "openid_lc_3")
-    token = _login(client, "13800005003")
-    _seed_balances(client, token, "13800005003", cash=500, invite_cash=0)
-    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
-
-    before = _ledger()
-    r = client.post(
-        "/api/v1/wallet/withdraw",
-        # 50 分 = 0.5 元档(7-9 起 coin_cash 只能提预设档位)
-        json={"amount_cents": 50, "source": "coin_cash"},
-        headers=_auth(token),
-    )
-    assert r.status_code == 200, r.text
-    after = _ledger()
-
-    # 普通现金提现扣款流水随单写入 cash_transaction,缺扣款计数不变;邀请账更不受影响
-    assert after["missing_withdraw_txn_count"] == before["missing_withdraw_txn_count"]
-    assert after["invite_missing_withdraw_txn_count"] == before["invite_missing_withdraw_txn_count"]