fix(settlement): 全部门店可未出账提现并企微提醒

Co-authored-by: Cursor <cursoragent@cursor.com>

scripts/smoke-v3.mjs

@@ -172,30 +172,12 @@ async function main() {
   const shopStoreId = shopMe.storeId || shopMe.stores?.[0]?.storeId;
   if (!shopStoreId) throw new Error('Shop storeId missing after login');
 
-  const noWhitelistMsg = await expectFail('SHOP_H5', '/shop/withdraw', {
-    method: 'POST',
-    token: shopToken,
-    body: JSON.stringify({}),
-  });
-  if (!String(noWhitelistMsg).includes('白名单')) {
-    throw new Error(`Expected FIN-001 whitelist reject, got: ${noWhitelistMsg}`);
-  }
-
-  await req('HQ_WEB', `/admin/stores/${shopStoreId}`, {
-    method: 'PUT',
-    token: admin.accessToken,
-    body: JSON.stringify({ withdrawWhitelistEnabled: true }),
-  });
-
   const withdrawSummary = await req('SHOP_H5', '/shop/withdraw/summary', {
     token: shopToken,
   });
   if (!(withdrawSummary.availableAmount > 0)) {
     throw new Error('Expected available withdraw amount after redeem');
   }
-  if (!withdrawSummary.whitelistEnabled) {
-    throw new Error('Expected withdraw whitelist enabled');
-  }
 
   const applied = await req('SHOP_H5', '/shop/withdraw', {
     method: 'POST',
@@ -215,6 +197,14 @@ async function main() {
     throw new Error(`Expected pending-request reject, got: ${pendingDup}`);
   }
 
+  // 锁定中的明细不可再出账（T+1 排除 withdrawItem）
+  const summaryAfter = await req('SHOP_H5', '/shop/withdraw/summary', {
+    token: shopToken,
+  });
+  if (summaryAfter.availableAmount !== 0) {
+    throw new Error('Expected availableAmount=0 while withdraw pending');
+  }
+
   await req('HQ_WEB', `/admin/store-withdrawals/${applied.id}/approve`, {
     method: 'POST',
     token: admin.accessToken,