feat(settlement): 门店未出账手动提现与总部审核（OPT-010）

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

packages/domain/src/index.test.ts

@@ -15,6 +15,9 @@ import {
   classifyRedeemClientError,
   generateRedeemPendingNo,
   REDEEM_WEAKNET_FAIL_THRESHOLD,
+  sumUnbilledPayoutAmount,
+  validateStoreWithdraw,
+  pickPayoutsForWithdrawAmount,
 } from './index';
 
 describe('calcBenefitAmount', () => {
@@ -235,3 +238,58 @@ describe('generateRedeemPendingNo', () => {
     expect(REDEEM_WEAKNET_FAIL_THRESHOLD).toBe(5);
   });
 });
+
+describe('sumUnbilledPayoutAmount', () => {
+  it('sums payout amounts', () => {
+    expect(sumUnbilledPayoutAmount([{ payoutAmount: 60 }, { payoutAmount: 40.5 }])).toBe(100.5);
+  });
+});
+
+describe('validateStoreWithdraw', () => {
+  const base = {
+    whitelistEnabled: true,
+    availableAmount: 1000,
+    requestAmount: 200,
+    todayApplied: 0,
+    dailyLimit: 5000,
+    hasPendingRequest: false,
+    hasBankAccount: true,
+  };
+
+  it('rejects non-whitelist stores', () => {
+    expect(validateStoreWithdraw({ ...base, whitelistEnabled: false }).ok).toBe(false);
+  });
+
+  it('rejects when daily limit exceeded', () => {
+    expect(
+      validateStoreWithdraw({ ...base, todayApplied: 4900, requestAmount: 200, dailyLimit: 5000 }).ok,
+    ).toBe(false);
+  });
+
+  it('rejects pending request / missing bank / over available', () => {
+    expect(validateStoreWithdraw({ ...base, hasPendingRequest: true }).ok).toBe(false);
+    expect(validateStoreWithdraw({ ...base, hasBankAccount: false }).ok).toBe(false);
+    expect(validateStoreWithdraw({ ...base, requestAmount: 1001 }).ok).toBe(false);
+  });
+
+  it('accepts valid request', () => {
+    expect(validateStoreWithdraw(base).ok).toBe(true);
+  });
+});
+
+describe('pickPayoutsForWithdrawAmount', () => {
+  it('picks FIFO exact match', () => {
+    const rows = [{ payoutAmount: 60 }, { payoutAmount: 40 }, { payoutAmount: 30 }];
+    const r = pickPayoutsForWithdrawAmount(rows, 100);
+    expect(r.ok).toBe(true);
+    if (r.ok) {
+      expect(r.selected).toHaveLength(2);
+      expect(r.amount).toBe(100);
+    }
+  });
+
+  it('rejects non-exact match', () => {
+    const rows = [{ payoutAmount: 60 }, { payoutAmount: 40 }];
+    expect(pickPayoutsForWithdrawAmount(rows, 50).ok).toBe(false);
+  });
+});