feat(welfare): 提现人工审核流程 + 看广告每日时长限流(防刷主闸) #15
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提现人工审核(提现不再即时打款):
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)
看广告每日时长限流(防刷主闸 + 次数兜底):
/ad/reward-status 增 watched_seconds_today / limit / remaining
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)
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
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