积分充值全流程落地：申请审核入账、凭证上传压缩转webp、管理员调账收权

- 新增积分充值申请与审核：商户提交充值申请（凭证图片必填，1元=100积分），
  管理员审核通过后事务内自动入账，幂等键防重复
- 新增通用图片上传组件 ImageUploader：canvas 压缩转 webp、预览、删除，
  后端按魔数校验图片格式并持久化到 data/uploads
- 管理员钱包调整改为按商户维度：移除商户侧调账接口，新增管理员
  平台商户积分调整与钱包流水查看
- 低余额 Webhook 告警配置持久化，充值入账/调账后自动检查推送
- 平台商户操作列移除进入/成员，积分充值页接入真实接口并修复金额单位换算

backend/internal/router/router.go

@@ -20,6 +20,7 @@ type Handlers struct {
 	Open          *handler.OpenV1Handler
 	SourceOpen    *handler.OpenHandler
 	Merchant      *handler.MerchantHandler
+	Recharge      *handler.RechargeHandler
 	JWT           *jwt.Manager
 	Tenant        *service.TenantService
 	OpenDB        *gorm.DB
@@ -28,6 +29,7 @@ type Handlers struct {
 	OpenAPISecret string
 	OpenSignSkew  int64
 	OpenAPIDebug  bool
+	UploadDir     string
 }
 
 // requestLogger 访问日志中间件：跳过 /health 健康检查（每 30 秒一次，避免刷屏）。
@@ -58,6 +60,11 @@ func Setup(h *Handlers) *gin.Engine {
 		c.JSON(200, gin.H{"status": "ok"})
 	})
 
+	// 上传的凭证等静态文件（公开访问，文件名不可枚举）
+	if h.UploadDir != "" {
+		r.Static("/uploads", h.UploadDir)
+	}
+
 	api := r.Group("/api")
 	{
 		api.POST("/auth/login", h.Auth.Login)
@@ -126,6 +133,10 @@ func Setup(h *Handlers) *gin.Engine {
 				merchant.POST("/orders/:order_no/delivery-link/restore", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureOrders), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleOperator), h.Merchant.RestoreDeliveryLink)
 				merchant.GET("/wallet", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleOperator, model.MemberRoleFinance), h.Merchant.GetWallet)
 				merchant.GET("/wallet/ledger", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleFinance), h.Merchant.ListWalletLedger)
+				merchant.POST("/recharge/applications", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleFinance), h.Recharge.CreateApplication)
+				merchant.GET("/recharge/applications", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleOperator, model.MemberRoleFinance), h.Recharge.ListApplications)
+				merchant.GET("/recharge/alert-config", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleFinance), h.Recharge.GetAlertConfig)
+				merchant.PUT("/recharge/alert-config", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureWallet), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleFinance), h.Recharge.SaveAlertConfig)
 				merchant.GET("/api-clients", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureAPI), h.Merchant.ListAPIClients)
 				merchant.POST("/api-clients", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureAPI), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleOperator), h.Merchant.CreateAPIClient)
 				merchant.PATCH("/api-clients/:id/status", middleware.RequireMerchantFeature(h.OpenDB, model.MerchantFeatureAPI), middleware.RequireMerchantRole(model.MemberRoleOwner, model.MemberRoleOperator), h.Merchant.UpdateAPIClientStatus)
@@ -153,7 +164,11 @@ func Setup(h *Handlers) *gin.Engine {
 				admin.GET("/platform/merchants/:id/wallet", h.Merchant.AdminGetWallet)
 				admin.GET("/platform/merchants/:id/wallet/ledger", h.Merchant.AdminListWalletLedger)
 				admin.POST("/platform/merchants/:id/wallet/adjust", h.Merchant.AdminAdjustWallet)
+				admin.GET("/platform/recharge/applications", h.Recharge.AdminListApplications)
+				admin.POST("/platform/recharge/applications/:id/review", h.Recharge.AdminReviewApplication)
 			}
+
+			auth.POST("/upload", h.Recharge.Upload)
 		}
 	}