feat(worker-platform): 增加寄卖白名单总开关，关闭后全员可发布

资金配置与打手列表可一键切换白名单模式；发布校验、打手端入口按总开关放行。同时收紧未开通判定、关权限确认和开通弹窗文案。

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

apps/frontend/src/pages/admin/panels/FinancePanel.tsx

@@ -44,6 +44,7 @@ type FinanceConfigFormValues = {
   depositUnfreezeDays?: number
   rewardUnfreezeEnabled?: boolean
   consignmentPublishDepositYuan?: number
+  consignmentWhitelistEnabled?: boolean
   recharge?: {
     enabled?: boolean
     channelName?: string
@@ -173,6 +174,7 @@ export default function FinancePanel() {
         consignmentPublishDepositFen: Math.round(
           Number(values.consignmentPublishDepositYuan ?? 20) * 100,
         ),
+        consignmentWhitelistEnabled: values.consignmentWhitelistEnabled !== false,
         recharge: {
           enabled: values.recharge?.enabled !== false,
           channelName: String(values.recharge?.channelName || '').trim(),
@@ -426,6 +428,14 @@ export default function FinancePanel() {
               >
                 <InputNumber min={0} max={10000} step={1} addonBefore="¥" />
               </Form.Item>
+              <Form.Item
+                label="寄卖白名单"
+                name="consignmentWhitelistEnabled"
+                valuePropName="checked"
+                tooltip="开启后只有后台开通权限的打手能发布寄卖；关闭后所有打手均可发布。打手身上的白名单标记会保留，方便再次开启。"
+              >
+                <Switch checkedChildren="仅白名单" unCheckedChildren="全员可寄卖" />
+              </Form.Item>
               <Form.Item
                 label="报酬待解冻"
                 name="rewardUnfreezeEnabled"
@@ -687,6 +697,7 @@ function mapFinanceConfigToFormValues(config?: WorkerFinanceConfig): FinanceConf
     depositUnfreezeDays: Number(config?.depositUnfreezeDays ?? 3),
     rewardUnfreezeEnabled: config?.rewardUnfreezeEnabled !== false,
     consignmentPublishDepositYuan: Number(config?.consignmentPublishDepositFen ?? 2000) / 100,
+    consignmentWhitelistEnabled: config?.consignmentWhitelistEnabled !== false,
     recharge: {
       enabled: config?.recharge.enabled !== false,
       channelName: config?.recharge.channelName || '',