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>

scripts/smoke-v3.mjs

@@ -135,38 +135,107 @@ async function main() {
     '/shop/auth/login/sms',
     '/shop/auth/sms/send',
   );
-  const shopMe = await req('SHOP_H5', '/shop/auth/me', { token: shopLogin.accessToken });
+  let shopToken = shopLogin.accessToken;
+  let shopMe = await req('SHOP_H5', '/shop/auth/me', { token: shopToken });
   if (!shopMe?.phone) throw new Error('Shop /shop/auth/me failed');
   const refreshed = await req('SHOP_H5', '/shop/auth/token/refresh', {
     method: 'POST',
     body: JSON.stringify({ refreshToken: shopLogin.refreshToken }),
   });
   if (!refreshed?.accessToken) throw new Error('Shop token refresh failed');
+  shopToken = refreshed.accessToken;
+  shopMe = await req('SHOP_H5', '/shop/auth/me', { token: shopToken });
+  if (!shopMe.storeId && shopMe.stores?.[0]?.storeId) {
+    const selected = await req('SHOP_H5', '/shop/auth/select-store', {
+      method: 'POST',
+      token: shopToken,
+      body: JSON.stringify({ storeId: shopMe.stores[0].storeId }),
+    });
+    shopToken = selected.accessToken || shopToken;
+    shopMe = await req('SHOP_H5', '/shop/auth/me', { token: shopToken });
+  }
+  if (!shopMe.storeId) throw new Error('Shop storeId missing after select-store');
   const preview = await req('SHOP_H5', '/shop/redeem/preview', {
     method: 'POST',
-    token: shopLogin.accessToken,
+    token: shopToken,
     body: JSON.stringify({ token: directToken.token }),
   });
   if (!preview.amount) throw new Error('Redeem preview failed');
   await req('SHOP_H5', '/shop/redeem/confirm', {
     method: 'POST',
-    token: shopLogin.accessToken,
+    token: shopToken,
     body: JSON.stringify({ token: directToken.token }),
   });
 
-  console.log('9. Admin login + store payout');
+  console.log('9. Store withdraw (OPT-010)');
   const admin = await adminLogin();
-  const payouts = await req('HQ_WEB', '/admin/store-payouts?status=PENDING', {
-    token: admin.accessToken,
+  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 (!payouts.items?.length) throw new Error('Expected pending store payout');
-  const payoutId = payouts.items[0].id;
-  await req('HQ_WEB', `/admin/store-payouts/${payoutId}/confirm`, {
+  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',
+    token: shopToken,
+    body: JSON.stringify({}),
+  });
+  if (applied.status !== 'PENDING_REVIEW') {
+    throw new Error(`Expected PENDING_REVIEW withdraw, got ${applied.status}`);
+  }
+
+  const pendingDup = await expectFail('SHOP_H5', '/shop/withdraw', {
+    method: 'POST',
+    token: shopToken,
+    body: JSON.stringify({}),
+  });
+  if (!String(pendingDup).includes('待审核')) {
+    throw new Error(`Expected pending-request reject, got: ${pendingDup}`);
+  }
+
+  await req('HQ_WEB', `/admin/store-withdrawals/${applied.id}/approve`, {
     method: 'POST',
     token: admin.accessToken,
-    body: JSON.stringify({ remark: 'smoke confirm' }),
+    body: JSON.stringify({ paymentRef: 'smoke-withdraw' }),
   });
 
+  const withdrawList = await req('SHOP_H5', '/shop/withdraw/requests?status=PAID', {
+    token: shopToken,
+  });
+  const settled = withdrawList.items?.find((w) => w.id === applied.id);
+  if (!settled || settled.status !== 'PAID') {
+    throw new Error('Expected settled withdraw request on shop side');
+  }
+
+  const overdue = await req('HQ_WEB', '/admin/store-withdrawals/overdue-summary', {
+    token: admin.accessToken,
+  });
+  if (typeof overdue.pendingCount !== 'number') {
+    throw new Error('overdue-summary missing pendingCount');
+  }
+
   console.log('10. Refund ticket flow');
   const order2 = await req('USER_H5', '/trade/orders', {
     method: 'POST',