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/internal/modules/distribution/repository.go

@@ -46,6 +46,7 @@ var (
 	ErrSyncListingNotFound       = errors.New("sync listing not found")
 	ErrEmptyListingIDs           = errors.New("listing ids required")
 	ErrInvalidListingStatus      = errors.New("invalid listing status")
+	ErrInvalidSettlementHold     = errors.New("settlement hold days must be between 0 and 365")
 )
 
 const maxSyncListingIDs = 200
@@ -55,6 +56,14 @@ func liveMoneyMovementEnabled() bool {
 	return env != "production" && env != "prod"
 }
 
+// normalizeSettlementHoldDays 校验站点结算冷却天数，允许 0（订单完成即释放）到 365 天。
+func normalizeSettlementHoldDays(days int) (int, error) {
+	if days < 0 || days > 365 {
+		return 0, ErrInvalidSettlementHold
+	}
+	return days, nil
+}
+
 type Repository struct {
 	db    *gorm.DB
 	redis *redis.Client
@@ -232,6 +241,13 @@ func (r *Repository) CreateSite(ctx context.Context, req CreateSiteRequest) (*Si
 	if req.TaxRateBPS != nil {
 		row.TaxRateBPS = *req.TaxRateBPS
 	}
+	if req.SettlementHoldDays != nil {
+		holdDays, err := normalizeSettlementHoldDays(*req.SettlementHoldDays)
+		if err != nil {
+			return nil, err
+		}
+		row.SettlementHoldDays = holdDays
+	}
 	if err := r.db.WithContext(ctx).Create(&row).Error; err != nil {
 		return nil, err
 	}
@@ -244,52 +260,70 @@ func (r *Repository) CreateSite(ctx context.Context, req CreateSiteRequest) (*Si
 
 func (r *Repository) UpdateSite(ctx context.Context, adminID, id uint64, req UpdateSiteRequest) (*SiteDTO, error) {
 	var row model.DistributionSite
-	if err := r.db.WithContext(ctx).First(&row, id).Error; err != nil {
-		if errors.Is(err, gorm.ErrRecordNotFound) {
-			return nil, ErrSiteNotFound
+	err := r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
+		if err := tx.First(&row, id).Error; err != nil {
+			if errors.Is(err, gorm.ErrRecordNotFound) {
+				return ErrSiteNotFound
+			}
+			return err
 		}
-		return nil, err
-	}
-	if err := r.ensureSiteAccess(ctx, adminID, row.ID); err != nil {
-		return nil, err
-	}
-	if req.SiteName != nil {
-		row.SiteName = strings.TrimSpace(*req.SiteName)
-	}
-	if req.Domain != nil {
-		row.Domain = strings.TrimSpace(*req.Domain)
-	}
-	if req.Status != nil {
-		row.Status = strings.TrimSpace(*req.Status)
-	}
-	if req.DisplayAccountEnabled != nil {
-		row.DisplayAccountEnabled = *req.DisplayAccountEnabled
-	}
-	if req.DefaultSupportGroupID != nil {
-		row.DefaultSupportGroupID = req.DefaultSupportGroupID
-	}
-	if req.TaxEnabled != nil {
-		row.TaxEnabled = *req.TaxEnabled
-	}
-	if req.TaxRateBPS != nil {
-		row.TaxRateBPS = *req.TaxRateBPS
-	}
-	if req.LogoURL != nil {
-		row.LogoURL = strings.TrimSpace(*req.LogoURL)
-	}
-	if req.FaviconURL != nil {
-		row.FaviconURL = strings.TrimSpace(*req.FaviconURL)
-	}
-	if req.BannersJSON != nil {
-		row.BannersJSON = *req.BannersJSON
-	}
-	if req.AnnouncementsJSON != nil {
-		row.AnnouncementsJSON = *req.AnnouncementsJSON
-	}
-	if req.FooterInfoJSON != nil {
-		row.FooterInfoJSON = *req.FooterInfoJSON
-	}
-	if err := r.db.WithContext(ctx).Save(&row).Error; err != nil {
+		if err := r.ensureSiteAccessWithDB(ctx, tx, adminID, row.ID); err != nil {
+			return err
+		}
+		if req.SiteName != nil {
+			row.SiteName = strings.TrimSpace(*req.SiteName)
+		}
+		if req.Domain != nil {
+			row.Domain = strings.TrimSpace(*req.Domain)
+		}
+		if req.Status != nil {
+			row.Status = strings.TrimSpace(*req.Status)
+		}
+		if req.DisplayAccountEnabled != nil {
+			row.DisplayAccountEnabled = *req.DisplayAccountEnabled
+		}
+		if req.DefaultSupportGroupID != nil {
+			row.DefaultSupportGroupID = req.DefaultSupportGroupID
+		}
+		if req.TaxEnabled != nil {
+			row.TaxEnabled = *req.TaxEnabled
+		}
+		if req.TaxRateBPS != nil {
+			row.TaxRateBPS = *req.TaxRateBPS
+		}
+		holdDaysChanged := false
+		if req.SettlementHoldDays != nil {
+			holdDays, err := normalizeSettlementHoldDays(*req.SettlementHoldDays)
+			if err != nil {
+				return err
+			}
+			holdDaysChanged = holdDays != row.SettlementHoldDays
+			row.SettlementHoldDays = holdDays
+		}
+		if req.LogoURL != nil {
+			row.LogoURL = strings.TrimSpace(*req.LogoURL)
+		}
+		if req.FaviconURL != nil {
+			row.FaviconURL = strings.TrimSpace(*req.FaviconURL)
+		}
+		if req.BannersJSON != nil {
+			row.BannersJSON = *req.BannersJSON
+		}
+		if req.AnnouncementsJSON != nil {
+			row.AnnouncementsJSON = *req.AnnouncementsJSON
+		}
+		if req.FooterInfoJSON != nil {
+			row.FooterInfoJSON = *req.FooterInfoJSON
+		}
+		if err := tx.Save(&row).Error; err != nil {
+			return err
+		}
+		if holdDaysChanged {
+			return rewritePendingReleaseAt(tx, row.ID)
+		}
+		return nil
+	})
+	if err != nil {
 		return nil, err
 	}
 	item := siteDTO(row)
@@ -403,6 +437,7 @@ func siteDTO(row model.DistributionSite) SiteDTO {
 		DefaultSupportGroupID: row.DefaultSupportGroupID,
 		TaxEnabled:            row.TaxEnabled,
 		TaxRateBPS:            row.TaxRateBPS,
+		SettlementHoldDays:    row.SettlementHoldDays,
 		LogoURL:               row.LogoURL,
 		FaviconURL:            row.FaviconURL,
 		BannersJSON:           row.BannersJSON,
@@ -476,6 +511,8 @@ func (r *Repository) ListOrders(ctx context.Context, query DistributionOrderList
 		COALESCE(f.tax_amount_cent, 0) AS tax_amount_cent,
 		COALESCE(f.split_base_amount_cent, 0) AS split_base_amount_cent,
 		COALESCE(f.rounding_adjustment_cent, 0) AS rounding_adjustment_cent,
+		COALESCE(f.settlement_status, '') AS distributor_settlement_status,
+		f.release_at AS release_at,
 		ro.created_at,
 		COALESCE(rl.listing_no, '') AS listing_no,
 		COALESCE(ga.title, '') AS title,
@@ -555,6 +592,8 @@ func (r *Repository) FindOrder(ctx context.Context, adminID, id uint64) (*Distri
 		COALESCE(f.tax_amount_cent, 0) AS tax_amount_cent,
 		COALESCE(f.split_base_amount_cent, 0) AS split_base_amount_cent,
 		COALESCE(f.rounding_adjustment_cent, 0) AS rounding_adjustment_cent,
+		COALESCE(f.settlement_status, '') AS distributor_settlement_status,
+		f.release_at AS release_at,
 		ro.created_at,
 		COALESCE(rl.listing_no, '') AS listing_no,
 		COALESCE(ga.title, '') AS title,
@@ -1048,7 +1087,7 @@ func markFinancialsSettledIfSitePartiesDone(tx *gorm.DB, orderIDs []uint64, now
 		}
 		if err := tx.Model(&model.DistributionOrderFinancial{}).
 			Where("order_id = ?", orderID).
-			Updates(map[string]any{"settlement_status": "settled", "settled_at": now}).Error; err != nil {
+			Updates(map[string]any{"settlement_status": "settled", "settled_at": now, "released_at": now}).Error; err != nil {
 			return err
 		}
 	}
@@ -1312,6 +1351,14 @@ func (r *Repository) OnboardSite(ctx context.Context, req OnboardSiteRequest) (*
 		if req.TaxRateBPS != nil {
 			taxRate = *req.TaxRateBPS
 		}
+		holdDays := 7
+		if req.SettlementHoldDays != nil {
+			normalized, err := normalizeSettlementHoldDays(*req.SettlementHoldDays)
+			if err != nil {
+				return err
+			}
+			holdDays = normalized
+		}
 
 		site := model.DistributionSite{
 			SiteCode:              req.SiteCode,
@@ -1321,6 +1368,7 @@ func (r *Repository) OnboardSite(ctx context.Context, req OnboardSiteRequest) (*
 			DisplayAccountEnabled: displayEnabled,
 			TaxEnabled:            taxEnabled,
 			TaxRateBPS:            taxRate,
+			SettlementHoldDays:    holdDays,
 		}
 		if err := tx.Create(&site).Error; err != nil {
 			return err
@@ -1891,6 +1939,19 @@ func (r *Repository) GetSiteWallet(ctx context.Context, adminID, siteID uint64)
 		Where("dsb.site_id = ? AND dsi.status = 'settled'", siteID).
 		Select("COALESCE(SUM(dsi.amount_cent), 0)").Scan(&totalSettled).Error
 
+	// 待释放收益：订单已完成、快照待释放、且尚未进入任何结算批次的站内份额。
+	var pendingRelease int64
+	_ = r.db.WithContext(ctx).Table("distribution_order_parties p").
+		Joins("JOIN distribution_order_financials f ON f.order_id = p.order_id").
+		Joins("JOIN rental_orders ro ON ro.id = p.order_id").
+		Where("p.party_type = ? AND p.party_id = ?", PartyTypeSite, siteID).
+		Where("f.settlement_status = 'pending' AND f.release_at IS NOT NULL").
+		Where("ro.status = 'completed'").
+		Where("ro.refund_status NOT IN ?", autoReleaseBlockedRefundStatuses).
+		Where("NOT EXISTS (SELECT 1 FROM disputes d WHERE d.order_id = ro.id AND d.status IN ?)", autoReleaseBlockedDisputeStatuses).
+		Where("NOT EXISTS (SELECT 1 FROM distribution_settlement_items i WHERE i.party_id = p.id)").
+		Select("COALESCE(SUM(p.income_amount_cent), 0)").Scan(&pendingRelease).Error
+
 	var totalWithdrawn int64
 	_ = r.db.WithContext(ctx).Model(&model.WithdrawalRequest{}).
 		Where("user_id = 0 AND distribution_site_id = ? AND status = 'completed'", siteID).
@@ -1900,6 +1961,7 @@ func (r *Repository) GetSiteWallet(ctx context.Context, adminID, siteID uint64)
 		SiteID:               siteID,
 		AvailableBalanceCent: account.AvailableBalanceCent,
 		FrozenBalanceCent:    account.FrozenBalanceCent,
+		PendingReleaseCent:   pendingRelease,
 		TotalSettledCent:     totalSettled,
 		TotalWithdrawnCent:   totalWithdrawn,
 	}, nil