第 1 阶段：用户与认证, mock登陆ok

frontend/src/api/auth.ts

@@ -0,0 +1,46 @@
+import { apiClient } from './client'
+
+export interface AuthUser {
+  id: number
+  phone: string
+  nickname: string
+  realname_status: string
+  risk_status: string
+  credit_score: number
+  status: string
+}
+
+export interface TokenPair {
+  access_token: string
+  refresh_token: string
+  token_type: string
+  expires_in: number
+}
+
+export interface LoginData {
+  user: AuthUser
+  tokens: TokenPair
+}
+
+interface ApiResponse<T> {
+  code: string
+  message: string
+  data: T
+}
+
+export async function sendSmsCode(phone: string) {
+  const { data } = await apiClient.post<ApiResponse<{ phone: string; expires_in: number }>>('/auth/sms/send', {
+    phone,
+  })
+  return data.data
+}
+
+export async function loginWithSms(phone: string, code: string) {
+  const { data } = await apiClient.post<ApiResponse<LoginData>>('/auth/sms/login', { phone, code })
+  return data.data
+}
+
+export async function fetchMe() {
+  const { data } = await apiClient.get<ApiResponse<AuthUser>>('/me')
+  return data.data
+}