优化打手提现审核流程

apps/backend/src/db/migrations/023_worker_withdrawal_accounts.sql

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+-- 打手提现账户：每位打手仅允许首次登记，后续变更由客服处理。
+CREATE TABLE IF NOT EXISTS worker_withdrawal_accounts (
+  worker_id BIGINT PRIMARY KEY REFERENCES worker_users(id) ON DELETE CASCADE,
+  account_channel TEXT NOT NULL CHECK (account_channel IN ('alipay', 'wechat')),
+  account_name TEXT NOT NULL,
+  account_no TEXT NOT NULL,
+  created_at TIMESTAMPTZ NOT NULL
+);
+
+COMMENT ON TABLE worker_withdrawal_accounts IS '打手不可自行修改的提现账户';
+COMMENT ON COLUMN worker_withdrawal_accounts.account_channel IS '提现渠道：alipay / wechat';

apps/backend/src/db/migrations/024_worker_withdrawal_accounts_per_channel.sql

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+-- 提现账户改为每个渠道各登记一次，保留既有账户数据。
+ALTER TABLE worker_withdrawal_accounts
+  DROP CONSTRAINT IF EXISTS worker_withdrawal_accounts_pkey;
+
+ALTER TABLE worker_withdrawal_accounts
+  ADD PRIMARY KEY (worker_id, account_channel);
+
+COMMENT ON TABLE worker_withdrawal_accounts IS '打手每个渠道仅可自行登记一次的提现账户';

apps/backend/src/db/migrations/025_worker_wechat_withdrawal_qr_code.sql

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+-- 微信提现不使用账号，改为保存不可修改的收款二维码。
+ALTER TABLE worker_withdrawal_accounts
+  ADD COLUMN IF NOT EXISTS wechat_qr_code_json JSONB NOT NULL DEFAULT '{}'::jsonb;
+
+COMMENT ON COLUMN worker_withdrawal_accounts.wechat_qr_code_json IS '微信收款二维码文件信息';