货币体系: 全平台统一使用积分(POINT)替代人民币(CNY)

后端:
- 模型 currency 默认值 CNY→POINT (MerchantProduct/WalletAccount/FulfillmentOrder)
- DashboardStats TotalSales/TotalFees 从 float64 改为 int64，去掉 /100.0 转换
- 上游 OpenOrderQuery.Amount 从 float64 改为 int64，直接返回积分整数
- 钱包/商品创建时 currency 默认 POINT

前端:
- 去掉 centsToYuan/yuanToCents 转换函数，金额直接用整数积分
- money() 显示从 ¥X.XX 改为 X 积分
- 商品售价/成本表单字段名改回 price_amount/cost_amount，precision 改 0
- 钱包调整表单 amount_yuan→amount，precision 改 0
- 手续费固定金额表单 precision 改 0，label 改积分
- 币种选项 CNY→POINT
- Dashboard 成交金额/手续费 suffix 元→积分，去掉 precision

数据库:
- 新增迁移 004: currency 默认值 CNY→POINT，存量数据更新

backend/internal/database/migrate.go

@@ -163,6 +163,6 @@ func ensureSelfMerchant(tx *gorm.DB) (*model.Merchant, error) {
 func ensureWallet(tx *gorm.DB, merchantID uint) error {
 	return tx.Clauses(clause.OnConflict{DoNothing: true}).Create(&model.WalletAccount{
 		MerchantID: merchantID,
-		Currency:   "CNY",
+		Currency:   "POINT",
 	}).Error
 }

backend/internal/database/migrations/004_currency_point.sql

@@ -0,0 +1,7 @@
+-- 全平台统一使用积分（POINT）作为结算货币，不再使用人民币（CNY）。
+ALTER TABLE merchant_products ALTER COLUMN currency SET DEFAULT 'POINT';
+ALTER TABLE wallet_accounts ALTER COLUMN currency SET DEFAULT 'POINT';
+ALTER TABLE fulfillment_orders ALTER COLUMN currency SET DEFAULT 'POINT';
+UPDATE merchant_products SET currency = 'POINT' WHERE currency = 'CNY';
+UPDATE wallet_accounts SET currency = 'POINT' WHERE currency = 'CNY';
+UPDATE fulfillment_orders SET currency = 'POINT' WHERE currency = 'CNY';

backend/internal/model/merchant.go

@@ -155,7 +155,7 @@ type MerchantProduct struct {
 	DisplayName       string `gorm:"size:160" json:"display_name"`
 	PriceAmount       int64  `gorm:"not null;default:0" json:"price_amount"`
 	CostAmount        int64  `gorm:"not null;default:0" json:"cost_amount"`
-	Currency          string `gorm:"size:12;not null;default:CNY" json:"currency"`
+	Currency          string `gorm:"size:12;not null;default:POINT" json:"currency"`
 	Stock             int64  `gorm:"not null;default:-1" json:"stock"`
 	Status            string `gorm:"size:16;not null;default:active;index" json:"status"`
 	FulfillmentConfig string `gorm:"type:text" json:"fulfillment_config"`
@@ -170,7 +170,7 @@ type WalletAccount struct {
 	CreatedAt        time.Time `json:"created_at"`
 	UpdatedAt        time.Time `json:"updated_at"`
 	MerchantID       uint      `gorm:"not null;uniqueIndex" json:"merchant_id"`
-	Currency         string    `gorm:"size:12;not null;default:CNY" json:"currency"`
+	Currency         string    `gorm:"size:12;not null;default:POINT" json:"currency"`
 	AvailableBalance int64     `gorm:"not null;default:0" json:"available_balance"`
 	FrozenBalance    int64     `gorm:"not null;default:0" json:"frozen_balance"`
 }
@@ -211,7 +211,7 @@ type FulfillmentOrder struct {
 	FeeFixedAmount    int64      `gorm:"not null;default:0" json:"fee_fixed_amount"`
 	ServiceFeeAmount  int64      `gorm:"not null;default:0" json:"service_fee_amount"`
 	Amount            int64      `gorm:"not null" json:"amount"`
-	Currency          string     `gorm:"size:12;not null;default:CNY" json:"currency"`
+	Currency          string     `gorm:"size:12;not null;default:POINT" json:"currency"`
 	PaymentStatus     string     `gorm:"size:16;not null;default:pending;index" json:"payment_status"`
 	FulfillmentStatus string     `gorm:"size:16;not null;default:pending;index" json:"fulfillment_status"`
 	BuyerReference    string     `gorm:"size:128" json:"buyer_reference"`

backend/internal/service/fulfillment.go

@@ -581,12 +581,12 @@ func orderCallbackData(order *model.FulfillmentOrder) map[string]interface{} {
 
 // DashboardStats 仪表盘聚合指标。
 type DashboardStats struct {
-	ProductCount      int64   `json:"product_count"`
+	ProductCount      int64 `json:"product_count"`
-	MerchantCount     int64   `json:"merchant_count"`
+	MerchantCount     int64 `json:"merchant_count"`
-	OrderCount        int64   `json:"order_count"`
+	OrderCount        int64 `json:"order_count"`
-	TotalSales        float64 `json:"total_sales"`
+	TotalSales        int64 `json:"total_sales"`
-	TotalFees         float64 `json:"total_fees"`
+	TotalFees         int64 `json:"total_fees"`
-	PendingOrderCount int64   `json:"pending_order_count"`
+	PendingOrderCount int64 `json:"pending_order_count"`
 }
 
 // Dashboard 汇总商户维度的商品、商户、订单与金额统计。
@@ -605,11 +605,11 @@ func (s *FulfillmentService) Dashboard(merchantID uint, isPlatformAdmin bool) (*
 	s.db.Model(&model.FulfillmentOrder{}).
 		Where("merchant_id = ?", merchantID).
 		Where("payment_status = ?", model.PaymentStatusPaid).
-		Select("COALESCE(SUM(amount),0) / 100.0").Scan(&stats.TotalSales)
+		Select("COALESCE(SUM(amount),0)").Scan(&stats.TotalSales)
 	s.db.Model(&model.FulfillmentOrder{}).
 		Where("merchant_id = ?", merchantID).
 		Where("payment_status = ?", model.PaymentStatusPaid).
-		Select("COALESCE(SUM(service_fee_amount),0) / 100.0").Scan(&stats.TotalFees)
+		Select("COALESCE(SUM(service_fee_amount),0)").Scan(&stats.TotalFees)
 	return stats, nil
 }
 
@@ -623,7 +623,7 @@ type OpenOrderQuery struct {
 	CannotShipReason string            `json:"cannot_ship_reason,omitempty"`
 	Product          *OpenOrderProduct `json:"product,omitempty"`
 	BuyerName        string            `json:"buyer_name"`
-	Amount           float64           `json:"amount"`
+	Amount           int64             `json:"amount"`
 	ProviderOrderNo  string            `json:"provider_order_no,omitempty"`
 	CreatedAt        time.Time         `json:"created_at"`
 	ShippedAt        *time.Time        `json:"shipped_at"`
@@ -691,7 +691,7 @@ func (s *FulfillmentService) QueryOpenOrder(orderNo string) (*OpenOrderQuery, er
 		CanShip:          canShip,
 		CannotShipReason: reason,
 		BuyerName:        order.BuyerReference,
-		Amount:           float64(order.Amount) / 100.0,
+		Amount:           order.Amount,
 		ProviderOrderNo:  order.ProviderOrderNo,
 		CreatedAt:        order.CreatedAt,
 		ShippedAt:        order.DeliveredAt,

backend/internal/service/fulfillment_test.go

@@ -32,7 +32,7 @@ func seedFulfillmentMerchant(t *testing.T, db *gorm.DB, code string, balance, st
 	}
 	if err := db.Create(&model.WalletAccount{
 		MerchantID:       merchant.ID,
-		Currency:         "CNY",
+		Currency:         "POINT",
 		AvailableBalance: balance,
 	}).Error; err != nil {
 		t.Fatalf("create wallet: %v", err)
@@ -47,7 +47,7 @@ func seedFulfillmentMerchant(t *testing.T, db *gorm.DB, code string, balance, st
 		SKU:         "sku-basic",
 		DisplayName: "测试商品",
 		PriceAmount: price,
-		Currency:    "CNY",
+		Currency:    "POINT",
 		Stock:       stock,
 		Status:      model.ProductStatusActive,
 	}

backend/internal/service/merchant.go

@@ -91,7 +91,7 @@ func (s *MerchantService) CreateMerchant(in CreateMerchantInput, actorUserID uin
 		if err := tx.Create(merchant).Error; err != nil {
 			return err
 		}
-		if err := tx.Create(&model.WalletAccount{MerchantID: merchant.ID, Currency: "CNY"}).Error; err != nil {
+	if err := tx.Create(&model.WalletAccount{MerchantID: merchant.ID, Currency: "POINT"}).Error; err != nil {
 			return err
 		}
 		if err := tx.Create(&model.MerchantMember{
@@ -332,7 +332,7 @@ func (s *MerchantService) CreateMerchantProduct(merchantID uint, in CreateMercha
 		return nil, errors.New("库存只能为 -1 或非负整数")
 	}
 	if in.Currency == "" {
-		in.Currency = "CNY"
+		in.Currency = "POINT"
 	}
 	in.Currency = strings.ToUpper(in.Currency)
 	if in.Status == "" {

frontend/src/pages/Dashboard.tsx

@@ -54,11 +54,10 @@ export default function Dashboard() {
         <Col xs={24} sm={12} lg={8}>
           <Card>
             <Statistic
-              title="成交金额"
+              title="成交积分"
               value={stats?.total_sales ?? 0}
-              precision={2}
               prefix={<DollarOutlined />}
-              suffix="元"
+              suffix="积分"
             />
           </Card>
         </Col>
@@ -67,9 +66,8 @@ export default function Dashboard() {
             <Statistic
               title="平台手续费"
               value={stats?.total_fees ?? 0}
-              precision={2}
               prefix={<PercentageOutlined />}
-              suffix="元"
+              suffix="积分"
             />
           </Card>
         </Col>

frontend/src/pages/MerchantCenter.tsx

@@ -212,11 +212,11 @@ export default function MerchantCenter() {
     setEditingProduct(null)
     productForm.resetFields()
     productForm.setFieldsValue({
-      currency: 'CNY',
+      currency: 'POINT',
       stock: -1,
       status: 'active',
-      price_yuan: 0,
+      price_amount: 0,
-      cost_yuan: 0,
+      cost_amount: 0,
     })
     setProductOpen(true)
   }
@@ -225,8 +225,6 @@ export default function MerchantCenter() {
     setEditingProduct(record)
     productForm.setFieldsValue({
       ...record,
-      price_yuan: centsToYuan(record.price_amount),
-      cost_yuan: centsToYuan(record.cost_amount),
     })
     setProductOpen(true)
   }
@@ -236,11 +234,7 @@ export default function MerchantCenter() {
     try {
       const payload = {
         ...values,
-        price_amount: yuanToCents(values.price_yuan),
-        cost_amount: yuanToCents(values.cost_yuan),
       }
-      delete payload.price_yuan
-      delete payload.cost_yuan
       if (editingProduct) {
         await merchantApi.updateProduct(editingProduct.id, payload)
         message.success('商品已更新')
@@ -259,7 +253,7 @@ export default function MerchantCenter() {
     const values = await walletForm.validateFields()
     try {
       const walletData = await merchantApi.adjustWallet({
-        amount: yuanToCents(values.amount_yuan),
+        amount: values.amount,
         idempotency_key: values.idempotency_key,
         note: values.note,
       })
@@ -497,7 +491,7 @@ export default function MerchantCenter() {
                   <Descriptions size="small" bordered column={3} style={{ flex: 1 }}>
                     <Descriptions.Item label="可用余额">{money(wallet?.available_balance ?? 0)}</Descriptions.Item>
                     <Descriptions.Item label="冻结余额">{money(wallet?.frozen_balance ?? 0)}</Descriptions.Item>
-                    <Descriptions.Item label="币种">{wallet?.currency || 'CNY'}</Descriptions.Item>
+                    <Descriptions.Item label="币种">{wallet?.currency || 'POINT'}</Descriptions.Item>
                   </Descriptions>
                   {canFinance && (
                     <Button
@@ -604,14 +598,14 @@ export default function MerchantCenter() {
             </Form.Item>
           </Space>
           <Space size="middle" style={{ width: '100%' }}>
-            <Form.Item name="price_yuan" label="售价" rules={[{ required: true }]} style={{ width: 180 }}>
+            <Form.Item name="price_amount" label="售价（积分）" rules={[{ required: true }]} style={{ width: 180 }}>
-              <InputNumber min={0} precision={2} style={{ width: '100%' }} />
+              <InputNumber min={0} precision={0} style={{ width: '100%' }} />
             </Form.Item>
-            <Form.Item name="cost_yuan" label="成本" style={{ width: 180 }}>
+            <Form.Item name="cost_amount" label="成本（积分）" style={{ width: 180 }}>
-              <InputNumber min={0} precision={2} style={{ width: '100%' }} />
+              <InputNumber min={0} precision={0} style={{ width: '100%' }} />
             </Form.Item>
             <Form.Item name="currency" label="币种" style={{ width: 180 }}>
-              <Select options={[{ value: 'CNY', label: 'CNY' }]} />
+              <Select options={[{ value: 'POINT', label: 'POINT（积分）' }]} />
             </Form.Item>
           </Space>
           <Space size="middle" style={{ width: '100%' }}>
@@ -635,8 +629,8 @@ export default function MerchantCenter() {
 
       <Modal title="钱包调整" open={walletOpen} onOk={submitWalletAdjust} onCancel={() => setWalletOpen(false)} destroyOnClose>
         <Form form={walletForm} layout="vertical" style={{ marginTop: 16 }}>
-          <Form.Item name="amount_yuan" label="调整金额" rules={[{ required: true }]}>
+          <Form.Item name="amount" label="调整积分" rules={[{ required: true }]}>
-            <InputNumber precision={2} style={{ width: '100%' }} placeholder="正数充值，负数扣减" />
+            <InputNumber precision={0} style={{ width: '100%' }} placeholder="正数充值，负数扣减" />
           </Form.Item>
           <Form.Item name="idempotency_key" label="幂等键" rules={[{ required: true }]}>
             <Input />
@@ -734,14 +728,6 @@ function SecretBlock({ appKey, secret }: { appKey?: string; secret: string }) {
   )
 }
 
-function yuanToCents(value?: number | null) {
-  return Math.round(Number(value || 0) * 100)
-}
-
-function centsToYuan(value?: number | null) {
-  return Number(((value || 0) / 100).toFixed(2))
-}
-
 function featuresToList(features?: string) {
   const list = (features || '')
     .split(/[,\s]+/)
@@ -768,7 +754,7 @@ function resolveEnabledTab(current: string, features?: string) {
 }
 
 function money(value?: number | null) {
-  return `¥${centsToYuan(value).toFixed(2)}`
+  return `${Number(value || 0)} 积分`
 }
 
 function moneyWithSign(value?: number | null) {

frontend/src/pages/PlatformMerchants.tsx

@@ -70,7 +70,7 @@ export default function PlatformMerchants() {
         features: featureListToText(values.features),
         fee_type: values.fee_type,
         fee_rate_bp: Number(values.fee_rate_bp || 0),
-        fee_fixed_amount: yuanToCents(values.fee_fixed_yuan),
+        fee_fixed_amount: Number(values.fee_fixed_amount || 0),
       })
       message.success('商户已创建')
       setCreateOpen(false)
@@ -93,7 +93,7 @@ export default function PlatformMerchants() {
         features: featureListToText(values.features),
         fee_type: values.fee_type,
         fee_rate_bp: Number(values.fee_rate_bp || 0),
-        fee_fixed_amount: yuanToCents(values.fee_fixed_yuan),
+        fee_fixed_amount: Number(values.fee_fixed_amount || 0),
       })
       message.success('商户设置已更新')
       setSettingsOpen(false)
@@ -131,7 +131,7 @@ export default function PlatformMerchants() {
       width: 160,
       render: (_, r) =>
         r.fee_type === 'fixed'
-          ? `固定 ¥${centsToYuan(r.fee_fixed_amount).toFixed(2)}/单`
+          ? `固定 ${r.fee_fixed_amount} 积分/单`
           : `${(r.fee_rate_bp / 100).toFixed(2)}%`,
     },
     {
@@ -174,7 +174,7 @@ export default function PlatformMerchants() {
                 ...record,
                 features: featuresToList(record.features),
                 fee_type: record.fee_type || 'rate',
-                fee_fixed_yuan: centsToYuan(record.fee_fixed_amount),
+                fee_fixed_amount: record.fee_fixed_amount,
               })
               setSettingsOpen(true)
             }}
@@ -221,7 +221,7 @@ export default function PlatformMerchants() {
                 features: featureOptions.map((item) => item.value),
                 fee_type: 'rate',
                 fee_rate_bp: 0,
-                fee_fixed_yuan: 0,
+                fee_fixed_amount: 0,
               })
               setCreateOpen(true)
             }}
@@ -281,15 +281,15 @@ export default function PlatformMerchants() {
             <Select
               options={[
                 { value: 'rate', label: '按百分比（每单按订单金额比例收取）' },
-                { value: 'fixed', label: '按固定金额（每单固定手续费）' },
+                { value: 'fixed', label: '按固定金额（每单固定积分）' },
               ]}
             />
           </Form.Item>
           <Form.Item noStyle shouldUpdate={(prev, cur) => prev.fee_type !== cur.fee_type}>
             {({ getFieldValue }) =>
               getFieldValue('fee_type') === 'fixed' ? (
-                <Form.Item name="fee_fixed_yuan" label="每单固定手续费（元）" rules={[{ required: true }]}>
+                <Form.Item name="fee_fixed_amount" label="每单固定手续费（积分）" rules={[{ required: true }]}>
-                  <InputNumber min={0} precision={2} style={{ width: '100%' }} />
+                  <InputNumber min={0} precision={0} style={{ width: '100%' }} />
                 </Form.Item>
               ) : (
                 <Form.Item name="fee_rate_bp" label="手续费比例 BP（1BP=0.01%，如 250=2.5%）" rules={[{ required: true }]}>
@@ -324,15 +324,15 @@ export default function PlatformMerchants() {
             <Select
               options={[
                 { value: 'rate', label: '按百分比（每单按订单金额比例收取）' },
-                { value: 'fixed', label: '按固定金额（每单固定手续费）' },
+                { value: 'fixed', label: '按固定金额（每单固定积分）' },
               ]}
             />
           </Form.Item>
           <Form.Item noStyle shouldUpdate={(prev, cur) => prev.fee_type !== cur.fee_type}>
             {({ getFieldValue }) =>
               getFieldValue('fee_type') === 'fixed' ? (
-                <Form.Item name="fee_fixed_yuan" label="每单固定手续费（元）" rules={[{ required: true }]}>
+                <Form.Item name="fee_fixed_amount" label="每单固定手续费（积分）" rules={[{ required: true }]}>
-                  <InputNumber min={0} precision={2} style={{ width: '100%' }} />
+                  <InputNumber min={0} precision={0} style={{ width: '100%' }} />
                 </Form.Item>
               ) : (
                 <Form.Item name="fee_rate_bp" label="手续费比例 BP（1BP=0.01%，如 250=2.5%）" rules={[{ required: true }]}>
@@ -381,11 +381,3 @@ function featureListToText(features?: string[]) {
 function featureText(feature: string) {
   return featureOptions.find((item) => item.value === feature)?.label || feature
 }
-
-function yuanToCents(value?: number | null) {
-  return Math.round(Number(value || 0) * 100)
-}
-
-function centsToYuan(value?: number | null) {
-  return Number(((value || 0) / 100).toFixed(2))
-}