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>

distribution-admin/src/pages/Orders.tsx

@@ -67,6 +67,25 @@ const SETTLEMENT_STATUS_MAP: Record<string, { label: string; color: string }> =
   closed: { label: '已关闭', color: 'default' },
 }
 
+function settlementTag(row: DistributionOrder): { label: string; color: string } {
+  if (row.distributor_settlement_status === 'settled') {
+    return { label: '已释放入账', color: 'success' }
+  }
+  if (row.distributor_settlement_status === 'pending' && row.release_at) {
+    const releaseDate = new Date(row.release_at).toLocaleDateString('zh-CN', {
+      month: 'numeric',
+      day: 'numeric',
+    })
+    return { label: `待释放 ${releaseDate}`, color: 'processing' }
+  }
+  return (
+    SETTLEMENT_STATUS_MAP[row.settlement_status] || {
+      label: row.settlement_status,
+      color: 'default',
+    }
+  )
+}
+
 const REFUND_STATUS_MAP: Record<string, { label: string; color: string }> = {
   none: { label: '未退款', color: 'default' },
   pending: { label: '退款审核中', color: 'orange' },
@@ -455,12 +474,9 @@ export default function Orders({ kind }: { kind: 'all' | 'sold' | 'receive' }) {
     },
     {
       title: '结算状态',
-      width: 110,
+      width: 130,
       render: (_: unknown, row: DistributionOrder) => {
-        const conf = SETTLEMENT_STATUS_MAP[row.settlement_status] || {
-          label: row.settlement_status,
-          color: 'default',
-        }
+        const conf = settlementTag(row)
         return <Tag color={conf.color}>{conf.label}</Tag>
       },
     },
@@ -873,10 +889,10 @@ export default function Orders({ kind }: { kind: 'all' | 'sold' | 'receive' }) {
                 <Col span={8}>
                   <div style={{ color: '#8c8c8c', fontSize: 12, marginBottom: 4 }}>结算状态</div>
                   <Tag
-                    color={SETTLEMENT_STATUS_MAP[selectedOrder.settlement_status]?.color || 'default'}
+                    color={settlementTag(selectedOrder).color}
                     style={{ fontSize: 13, padding: '2px 8px' }}
                   >
-                    {SETTLEMENT_STATUS_MAP[selectedOrder.settlement_status]?.label || selectedOrder.settlement_status}
+                    {settlementTag(selectedOrder).label}
                   </Tag>
                 </Col>
               </Row>

distribution-admin/src/pages/Settlements.tsx

@@ -166,12 +166,12 @@ export default function Settlements() {
       <div style={{ display: 'flex', justifyContent: 'space-between', alignItems: 'center' }}>
         <div>
           <Typography.Title level={3} style={{ marginBottom: 4 }}>
-            {isSuperadmin ? '结算管理与批次出账' : '周期结算单与财务对账'}
+            {isSuperadmin ? '结算管理与批次对账' : '结算对账单与财务对账'}
           </Typography.Title>
           <Typography.Text type="secondary">
             {isSuperadmin
-              ? '主站财务管理员可按周期创建结算批次并执行打款审核'
-              : '查看主站定期出具的结算账单，核对订单分成明细与资金入账凭证'}
+              ? '系统按站点自动结算入账并生成批次；也可手工创建批次立即结算'
+              : '订单完成冷却期结束后系统自动释放入账，此处查看对账批次与入账明细'}
           </Typography.Text>
         </div>
         {isSuperadmin && sites.length > 1 && (
@@ -191,18 +191,18 @@ export default function Settlements() {
       <Alert
         type="info"
         showIcon
-        message="财务对账与结算说明"
-        description="分销订单在完成履约且双方验收确认后自动归集出账。结算单经主站财务审核打款后，收益将100%直接计入商户钱包可用余额，可随时在「资金与提现」中申请提现。"
+        message="自动结算与对账说明"
+        description="订单完成后进入站点结算冷却期（由主站后台按商户配置，默认 7 天，0 天为立即释放），期满系统自动生成结算批次并将收益释放到「资金与提现」的可提现余额；退款或维权中的订单会暂停释放。"
       />
 
       {/* Superadmin batch creation controls */}
       {isSuperadmin && (
-        <Card title="管理员批次出账操作" size="small" style={{ background: '#f8fafc' }}>
+        <Card title="管理员手工出账（立即结算）" size="small" style={{ background: '#f8fafc' }}>
           <Space wrap>
-            <Typography.Text strong>选择结算结算周期：</Typography.Text>
+            <Typography.Text strong>选择结算周期：</Typography.Text>
             <DatePicker.RangePicker showTime onChange={(value) => setRange(value)} />
             <Button type="primary" icon={<PlusOutlined />} onClick={handleCreate} loading={creating}>
-              生成结算账单批次
+              生成结算批次并结算
             </Button>
           </Space>
         </Card>
@@ -219,7 +219,7 @@ export default function Settlements() {
             emptyText: (
               <Empty
                 image={Empty.PRESENTED_IMAGE_SIMPLE}
-                description="暂无结算账单。当期订单履约完成后将在下一个结算周期出具对账单。"
+                description="暂无结算批次。订单完成冷却期结束后系统会自动出具对账单并入账。"
               />
             ),
           }}

distribution-admin/src/pages/Wallet.tsx

@@ -24,6 +24,7 @@ import {
   DollarCircleOutlined,
   LockOutlined,
   CheckCircleOutlined,
+  HourglassOutlined,
 } from '@ant-design/icons'
 import {
   fetchSiteWallet,
@@ -193,7 +194,7 @@ export default function Wallet() {
       </div>
 
       <Row gutter={16}>
-        <Col span={6}>
+        <Col flex="1">
           <Card bordered={false} style={{ background: 'linear-gradient(135deg, #1677ff 0%, #0958d9 100%)', color: '#fff' }}>
             <Statistic
               title={<span style={{ color: 'rgba(255,255,255,0.85)' }}>可提现余额</span>}
@@ -204,7 +205,18 @@ export default function Wallet() {
             />
           </Card>
         </Col>
-        <Col span={6}>
+        <Col flex="1">
+          <Card bordered={false} style={{ background: '#fafafa' }}>
+            <Statistic
+              title="待释放收益 (订单完成冷却中)"
+              value={((wallet?.pending_release_cent ?? 0) / 100).toFixed(2)}
+              prefix={<HourglassOutlined style={{ color: '#1677ff' }} />}
+              suffix="元"
+              valueStyle={{ color: '#1677ff' }}
+            />
+          </Card>
+        </Col>
+        <Col flex="1">
           <Card bordered={false} style={{ background: '#fafafa' }}>
             <Statistic
               title="冻结中余额 (提现审核中)"
@@ -215,7 +227,7 @@ export default function Wallet() {
             />
           </Card>
         </Col>
-        <Col span={6}>
+        <Col flex="1">
           <Card bordered={false} style={{ background: '#fafafa' }}>
             <Statistic
               title="累计已结算收益"
@@ -226,7 +238,7 @@ export default function Wallet() {
             />
           </Card>
         </Col>
-        <Col span={6}>
+        <Col flex="1">
           <Card bordered={false} style={{ background: '#fafafa' }}>
             <Statistic
               title="累计已成功提现"