优化支付退款钱包链路

backend/internal/modules/wallet/dto.go

@@ -13,6 +13,10 @@ type RechargeRequest struct {
 	Amount float64 `json:"amount" binding:"required"`
 }
 
+type WithdrawRequest struct {
+	Amount float64 `json:"amount" binding:"required"`
+}
+
 type LedgerDTO struct {
 	ID           uint64    `json:"id"`
 	LedgerNo     string    `json:"ledger_no"`

backend/internal/modules/wallet/handler.go

@@ -81,6 +81,25 @@ func (h *Handler) Recharge(c *gin.Context) {
 	response.OK(c, account)
 }
 
+func (h *Handler) Withdraw(c *gin.Context) {
+	userID, ok := currentUserID(c)
+	if !ok {
+		response.Unauthorized(c, "缺少用户上下文")
+		return
+	}
+	var req WithdrawRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		response.BadRequest(c, "提现金额不正确")
+		return
+	}
+	account, err := h.service.Withdraw(userID, req)
+	if err != nil {
+		writeWalletError(c, err)
+		return
+	}
+	response.OK(c, account)
+}
+
 func (h *Handler) AdminLedger(c *gin.Context) {
 	query, ok := parseAdminLedgerQuery(c)
 	if !ok {
@@ -136,6 +155,10 @@ func writeWalletError(c *gin.Context, err error) {
 		response.BadRequest(c, "充值金额不正确")
 	case errors.Is(err, ErrInsufficientBalance):
 		response.Error(c, 409, "insufficient_balance", "钱包余额不足")
+	case errors.Is(err, ErrRechargeDisabled):
+		response.Error(c, 410, "wallet_recharge_disabled", "钱包充值已关闭")
+	case errors.Is(err, ErrFeaturePending):
+		response.Error(c, 501, "feature_pending", "提现功能待开发")
 	default:
 		response.ServiceUnavailable(c, "钱包服务暂时不可用")
 	}

backend/internal/modules/wallet/repository.go

@@ -117,6 +117,29 @@ func (r *Repository) ConfirmRechargeFromChannel(userID uint64, bizNo string, amo
 	})
 }
 
+// Withdraw 保留仓库能力；当前公开提现入口在 service 层标记为待开发，不会调用到这里。
+func (r *Repository) Withdraw(userID uint64, amount float64) (*AccountDTO, error) {
+	amount = roundWalletMoney(amount)
+	if userID == 0 || amount <= 0 {
+		return nil, ErrInvalidAmount
+	}
+	err := r.db.Transaction(func(tx *gorm.DB) error {
+		return AppendEntries(tx, Entry{
+			UserID:      userID,
+			Direction:   "out",
+			Amount:      amount,
+			BalanceType: "available",
+			BizType:     "withdraw_apply",
+			BizNo:       fmt.Sprintf("WD%d", time.Now().UnixNano()),
+			Remark:      "卖家申请提现",
+		})
+	})
+	if err != nil {
+		return nil, err
+	}
+	return r.Account(userID)
+}
+
 func (r *Repository) AdminLedger(query AdminLedgerQuery) (*PaginatedResult, error) {
 	db := r.db.Table("wallet_ledger AS wl").
 		Select(`wl.id, wl.ledger_no, wl.user_id, COALESCE(u.phone, '') AS user_phone,

backend/internal/modules/wallet/service.go

@@ -6,6 +6,8 @@ var (
 	ErrDependencyUnavailable = errors.New("dependency unavailable")
 	ErrInvalidAmount         = errors.New("invalid amount")
 	ErrInsufficientBalance   = errors.New("insufficient balance")
+	ErrFeaturePending        = errors.New("feature pending")
+	ErrRechargeDisabled      = errors.New("wallet recharge disabled")
 )
 
 const MinRechargeAmount = 0.01
@@ -36,10 +38,14 @@ func (s *Service) Recharge(userID uint64, req RechargeRequest) (*AccountDTO, err
 	if s.repo == nil {
 		return nil, ErrDependencyUnavailable
 	}
-	if req.Amount < MinRechargeAmount {
-		return nil, ErrInvalidAmount
+	return nil, ErrRechargeDisabled
+}
+
+func (s *Service) Withdraw(userID uint64, req WithdrawRequest) (*AccountDTO, error) {
+	if s.repo == nil {
+		return nil, ErrDependencyUnavailable
 	}
-	return s.repo.Recharge(userID, req.Amount)
+	return nil, ErrFeaturePending
 }
 
 func (s *Service) AdminLedger(query AdminLedgerQuery) (*PaginatedResult, error) {