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.ts

@@ -96,6 +96,85 @@ export function calcRedeemSettleAmount(amount: number, settlementRate: number):
   return Math.round(amount * settlementRate * 100) / 100;
 }
 
+export function sumUnbilledPayoutAmount(payouts: Array<{ payoutAmount: number }>): number {
+  return Math.round(payouts.reduce((sum, p) => sum + Number(p.payoutAmount || 0), 0) * 100) / 100;
+}
+
+export type ValidateStoreWithdrawInput = {
+  whitelistEnabled: boolean;
+  availableAmount: number;
+  requestAmount: number;
+  todayApplied: number;
+  dailyLimit: number;
+  hasPendingRequest: boolean;
+  hasBankAccount: boolean;
+};
+
+/** 门店未出账提现护栏（FIN-001/002 + 幂等/账户） */
+export function validateStoreWithdraw(
+  input: ValidateStoreWithdrawInput,
+): { ok: boolean; message?: string } {
+  if (!input.whitelistEnabled) {
+    return { ok: false, message: '该门店未开通未出账提现（需总部白名单）' };
+  }
+  if (!input.hasBankAccount) {
+    return { ok: false, message: '请先完善入驻收款账户后再提现' };
+  }
+  if (input.hasPendingRequest) {
+    return { ok: false, message: '已有待审核提现申请，请等待处理完成' };
+  }
+  if (!(input.requestAmount > 0)) {
+    return { ok: false, message: '提现金额必须大于 0' };
+  }
+  if (input.requestAmount > input.availableAmount + 1e-9) {
+    return { ok: false, message: '提现金额不能超过可提未出账余额' };
+  }
+  const remaining = Math.round((input.dailyLimit - input.todayApplied) * 100) / 100;
+  if (remaining <= 0) {
+    return { ok: false, message: `已达单店单日提现上限 ¥${input.dailyLimit.toFixed(2)}` };
+  }
+  if (input.requestAmount > remaining + 1e-9) {
+    return {
+      ok: false,
+      message: `超过单日剩余额度 ¥${remaining.toFixed(2)}（上限 ¥${input.dailyLimit.toFixed(2)}）`,
+    };
+  }
+  return { ok: true };
+}
+
+/**
+ * 按 FIFO 选取未出账 payout，使合计尽量等于 targetAmount（不超过目标）。
+ * 若无法精确凑齐，返回合计 ≤ target 的最长前缀子集。
+ */
+export function pickPayoutsForWithdrawAmount<T extends { payoutAmount: number }>(
+  payoutsAsc: T[],
+  targetAmount: number,
+): { ok: true; selected: T[]; amount: number } | { ok: false; message: string } {
+  if (!(targetAmount > 0)) return { ok: false, message: '提现金额必须大于 0' };
+  const selected: T[] = [];
+  let sum = 0;
+  for (const p of payoutsAsc) {
+    const next = Math.round((sum + Number(p.payoutAmount)) * 100) / 100;
+    if (next <= targetAmount + 1e-9) {
+      selected.push(p);
+      sum = next;
+      if (Math.abs(sum - targetAmount) < 1e-9) break;
+    } else {
+      break;
+    }
+  }
+  if (!selected.length) {
+    return { ok: false, message: '无可匹配的未出账结算明细，请调整提现金额' };
+  }
+  if (Math.abs(sum - targetAmount) > 1e-9) {
+    return {
+      ok: false,
+      message: `无法按 ¥${targetAmount.toFixed(2)} 精确匹配明细，请按可提总额全额提现或调整金额`,
+    };
+  }
+  return { ok: true, selected, amount: sum };
+}
+
 const TIME_HM_RE = /^([01]\d|2[0-3]):([0-5]\d)$/;
 
 export type BusinessHoursSegment = { open: string; close: string };