feat(distribution): 通道费改主站承担，并按冷却期自动释放结算

利润不再扣支付通道费；站点可配置结算冷却期，到期自动入账，已释放后退款从收款站钱包回冲。同时修复当日自动批次无法追加、三方回冲打错钱包，以及测试库自增重置被 MySQL 统计缓存跳过的问题。

Co-authored-by: Cursor <cursoragent@cursor.com>

backend/cmd/api/main.go

@@ -12,6 +12,7 @@ import (
 
 	"hfb_sys/backend/internal/config"
 	"hfb_sys/backend/internal/database"
+	"hfb_sys/backend/internal/jobs/distributionsettlement"
 	"hfb_sys/backend/internal/jobs/fileuploadcleanup"
 	"hfb_sys/backend/internal/jobs/ordertimeout"
 	"hfb_sys/backend/internal/jobs/refundretry"
@@ -99,6 +100,7 @@ func main() {
 	if deps.DB != nil {
 		ordertimeout.New(deps.DB, deps.Redis, logger).Start(jobCtx)
 		fileuploadcleanup.New(deps.DB, deps.Redis, logger).Start(jobCtx)
+		distributionsettlement.New(deps.DB, deps.Redis, logger).Start(jobCtx)
 		if paymentConfigRepo := newPaymentConfigRepositoryForJobs(cfg, deps.DB, logger); paymentConfigRepo != nil {
 			paymentRepo := payment.NewRepository(deps.DB, paymentConfigRepo, nil, payment.WithLogger(logger))
 			refundretry.New(deps.DB, deps.Redis, logger, paymentRepo).Start(jobCtx)