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>

apps/admin-web/src/App.tsx

@@ -30,6 +30,7 @@ import ProductsPage from './pages/ProductsPage';
 import ProductDetailTemplatesPage from './pages/ProductDetailTemplatesPage';
 import ResourcesPage from './pages/ResourcesPage';
 import StoreBillsPage from './pages/StoreBillsPage';
+import StoreWithdrawalsPage from './pages/StoreWithdrawalsPage';
 import PartnerBillsPage from './pages/PartnerBillsPage';
 import WineryBillsPage from './pages/WineryBillsPage';
 import LogisticsBillsPage from './pages/LogisticsBillsPage';
@@ -96,11 +97,13 @@ export default function App() {
         <Route path="/redeem-pending" element={<PendingRedeemPage />} />
         <Route path="/redeem/debug" element={<RedeemDebugPage />} />
         <Route path="/finance/store-bills" element={<StoreBillsPage />} />
+        <Route path="/finance/store-withdrawals" element={<StoreWithdrawalsPage />} />
         <Route path="/finance/partner-bills" element={<PartnerBillsPage />} />
         <Route path="/finance/winery-bills" element={<WineryBillsPage />} />
         <Route path="/finance/logistics-bills" element={<LogisticsBillsPage />} />
         <Route path="/store-bills" element={<Navigate to="/finance/store-bills" replace />} />
         <Route path="/store-payouts" element={<Navigate to="/finance/store-bills" replace />} />
+        <Route path="/store-withdrawals" element={<Navigate to="/finance/store-withdrawals" replace />} />
         <Route path="/partner-bills" element={<Navigate to="/finance/partner-bills" replace />} />
         <Route path="/tickets" element={<TicketsPage />} />
         <Route path="/tickets/support" element={<SupportTicketsPage />} />

apps/admin-web/src/layouts/AdminLayout.tsx

@@ -74,6 +74,7 @@ const MENU_ITEMS: MenuProps['items'] = [
     label: '财务',
     children: [
       { key: '/finance/store-bills', label: '门店账单' },
+      { key: '/finance/store-withdrawals', label: '门店提现审' },
       { key: '/finance/partner-bills', label: '合伙人账单' },
       { key: '/finance/winery-bills', label: '酒厂账单' },
       { key: '/finance/logistics-bills', label: '物流对账' },
@@ -157,6 +158,7 @@ function menuAllowed(key: string, permissionKeys: string[]): boolean {
     '/fulfillment-providers': 'partners',
     'finance-group': 'finance',
     '/finance/store-bills': 'finance',
+    '/finance/store-withdrawals': 'finance',
     '/finance/partner-bills': 'finance',
     '/finance/winery-bills': 'finance',
     '/finance/logistics-bills': 'finance',

apps/admin-web/src/lib/api.ts

@@ -85,6 +85,8 @@ export type DashboardStats = {
   pendingBills?: number;
   pendingPartnerDraftBills?: number;
   openTickets?: number;
+  pendingStoreWithdrawals?: number;
+  overdueStoreWithdrawals?: number;
   ordersByStatus: Array<{ status: string; count: number }>;
 };
 

apps/admin-web/src/lib/storeCreate.ts

@@ -29,6 +29,7 @@ export type StoreCreateForm = {
   settlementRate?: number;
   visibilityWhitelistEnabled?: boolean;
   visibilityPhones?: string[];
+  withdrawWhitelistEnabled?: boolean;
 };
 
 const PHONE_RE = /^1\d{10}$/;

apps/admin-web/src/pages/DashboardPage.tsx

@@ -717,6 +717,26 @@ export default function DashboardPage() {
             />
           </Card>
         </Col>
+        <Col xs={24} sm={12} lg={8}>
+          <Card
+            loading={loading}
+            title="待审门店提现"
+            extra={<Link to="/finance/store-withdrawals">去处理</Link>}
+          >
+            <Statistic
+              value={stats?.pendingStoreWithdrawals ?? 0}
+              suffix="笔"
+              valueStyle={{
+                color: (stats?.overdueStoreWithdrawals ?? 0) > 0 ? '#cf1322' : (stats?.pendingStoreWithdrawals ?? 0) > 0 ? '#fa8c16' : undefined,
+              }}
+            />
+            <Typography.Text type="secondary">
+              {(stats?.overdueStoreWithdrawals ?? 0) > 0
+                ? `超时未审 ${stats?.overdueStoreWithdrawals} 笔（FIN-003）`
+                : '工作日 T+0 审完'}
+            </Typography.Text>
+          </Card>
+        </Col>
         <Col xs={24} sm={12} lg={8}>
           <Card loading={loading} title="待处理工单">
             <Statistic value={stats?.openTickets ?? 0} suffix="个" />

apps/admin-web/src/pages/StoreWithdrawalsPage.tsx

@@ -0,0 +1,394 @@
+import { useEffect, useState } from 'react';
+import {
+  Button,
+  DatePicker,
+  Descriptions,
+  Drawer,
+  Form,
+  Input,
+  Modal,
+  Select,
+  Space,
+  Table,
+  Tag,
+  Typography,
+  message,
+} from 'antd';
+import type { ColumnsType } from 'antd/es/table';
+import type { Dayjs } from 'dayjs';
+import { STORE_WITHDRAW_STATUS_LABELS, type StoreWithdrawStatus } from '@dukang/shared-types';
+import { request, type Paginated } from '../lib/api';
+import { ADMIN_OPTIONS_PAGE_SIZE, fmtTime } from '../lib/constants';
+import { useAdminList } from '../lib/useAdminList';
+
+type Row = {
+  id: string;
+  withdrawNo: string;
+  amount: number;
+  payoutCount: number;
+  status: StoreWithdrawStatus;
+  appliedAt: string;
+  reviewedAt?: string | null;
+  paidAt?: string | null;
+  paymentRef?: string | null;
+  rejectReason?: string | null;
+  overdue?: boolean;
+  store?: { id: string; name: string; cityName: string; phone?: string };
+};
+
+type StoreOption = { id: string; name: string; phone: string };
+
+const STATUS_COLORS: Record<string, string> = {
+  PENDING_REVIEW: 'orange',
+  REJECTED: 'red',
+  PAID: 'green',
+};
+
+export default function StoreWithdrawalsPage() {
+  const [form] = Form.useForm();
+  const [filters, setFilters] = useState<Record<string, string>>({ status: 'PENDING_REVIEW' });
+  const [stores, setStores] = useState<StoreOption[]>([]);
+  const { data, loading, page, pageSize, setPage, setPageSize, reload } = useAdminList<Row>(
+    '/admin/store-withdrawals',
+    () => {
+      const qs = new URLSearchParams();
+      if (filters.status) qs.set('status', filters.status);
+      if (filters.storeId) qs.set('storeId', filters.storeId);
+      if (filters.dateFrom) qs.set('dateFrom', filters.dateFrom);
+      if (filters.dateTo) qs.set('dateTo', filters.dateTo);
+      return qs;
+    },
+    [filters],
+  );
+  const [detail, setDetail] = useState<Record<string, unknown> | null>(null);
+  const [drawerOpen, setDrawerOpen] = useState(false);
+  const [overdueSummary, setOverdueSummary] = useState<{
+    pendingCount: number;
+    overdueCount: number;
+  } | null>(null);
+
+  useEffect(() => {
+    void request<Paginated<StoreOption>>(`/admin/stores?pageSize=${ADMIN_OPTIONS_PAGE_SIZE}`)
+      .then((res) => setStores(res.items))
+      .catch(() => {});
+    void request<{ pendingCount: number; overdueCount: number }>(
+      '/admin/store-withdrawals/overdue-summary',
+    )
+      .then(setOverdueSummary)
+      .catch(() => {});
+  }, []);
+
+  async function openDetail(id: string) {
+    const d = await request<Record<string, unknown>>(`/admin/store-withdrawals/${id}`);
+    setDetail(d);
+    setDrawerOpen(true);
+  }
+
+  function approve(id: string) {
+    let paymentRef = '';
+    Modal.confirm({
+      title: '审核通过并标记已结算？',
+      content: (
+        <Input
+          placeholder="打款凭证号（可选）"
+          onChange={(e) => {
+            paymentRef = e.target.value;
+          }}
+        />
+      ),
+      okText: '通过并结算',
+      cancelText: '取消',
+      onOk: async () => {
+        await request(`/admin/store-withdrawals/${id}/approve`, {
+          method: 'POST',
+          body: JSON.stringify({ paymentRef: paymentRef.trim() || undefined }),
+        });
+        message.success('已通过并标记已结算');
+        setDrawerOpen(false);
+        reload();
+        void request<{ pendingCount: number; overdueCount: number }>(
+          '/admin/store-withdrawals/overdue-summary',
+        )
+          .then(setOverdueSummary)
+          .catch(() => {});
+      },
+    });
+  }
+
+  function reject(id: string) {
+    let reason = '';
+    Modal.confirm({
+      title: '驳回提现申请？',
+      content: (
+        <Input.TextArea
+          rows={3}
+          placeholder="请填写驳回理由"
+          onChange={(e) => {
+            reason = e.target.value;
+          }}
+        />
+      ),
+      okText: '确认驳回',
+      okButtonProps: { danger: true },
+      cancelText: '取消',
+      onOk: async () => {
+        if (!reason.trim()) {
+          message.error('请填写驳回理由');
+          throw new Error('reason required');
+        }
+        await request(`/admin/store-withdrawals/${id}/reject`, {
+          method: 'POST',
+          body: JSON.stringify({ reason: reason.trim() }),
+        });
+        message.success('已驳回');
+        setDrawerOpen(false);
+        reload();
+      },
+    });
+  }
+
+  const columns: ColumnsType<Row> = [
+    {
+      title: '提现单号',
+      dataIndex: 'withdrawNo',
+      width: 180,
+      render: (v, row) => (
+        <Space>
+          <Typography.Link onClick={() => void openDetail(row.id)}>{v}</Typography.Link>
+          {row.overdue ? <Tag color="magenta">超时</Tag> : null}
+        </Space>
+      ),
+    },
+    {
+      title: '门店',
+      dataIndex: ['store', 'name'],
+      width: 160,
+      render: (_, row) => (
+        <div>
+          <div>{row.store?.name || '—'}</div>
+          <Typography.Text type="secondary" style={{ fontSize: 12 }}>
+            {row.store?.cityName} {row.store?.phone}
+          </Typography.Text>
+        </div>
+      ),
+    },
+    {
+      title: '金额',
+      dataIndex: 'amount',
+      width: 110,
+      render: (v) => `¥${Number(v).toFixed(2)}`,
+    },
+    { title: '明细笔数', dataIndex: 'payoutCount', width: 90 },
+    {
+      title: '状态',
+      dataIndex: 'status',
+      width: 100,
+      render: (v: StoreWithdrawStatus) => (
+        <Tag color={STATUS_COLORS[v]}>{STORE_WITHDRAW_STATUS_LABELS[v] ?? v}</Tag>
+      ),
+    },
+    {
+      title: '申请时间',
+      dataIndex: 'appliedAt',
+      width: 170,
+      render: (v) => fmtTime(v),
+    },
+    {
+      title: '操作',
+      key: 'actions',
+      width: 180,
+      fixed: 'right',
+      render: (_, row) => (
+        <Space>
+          <Button size="small" onClick={() => void openDetail(row.id)}>
+            详情
+          </Button>
+          {row.status === 'PENDING_REVIEW' ? (
+            <>
+              <Button size="small" type="primary" onClick={() => approve(row.id)}>
+                通过
+              </Button>
+              <Button size="small" danger onClick={() => reject(row.id)}>
+                驳回
+              </Button>
+            </>
+          ) : null}
+        </Space>
+      ),
+    },
+  ];
+
+  const detailItems = (detail?.items as Array<Record<string, unknown>> | undefined) ?? [];
+  const storeAccount = detail?.storeAccount as
+    | {
+        name?: string;
+        phone?: string;
+        bankAccountName?: string;
+        bankAccountNo?: string;
+        bankBranch?: string;
+      }
+    | undefined;
+
+  return (
+    <div>
+      <Typography.Title level={4} style={{ marginTop: 0 }}>
+        门店提现审
+      </Typography.Title>
+      {overdueSummary ? (
+        <Typography.Paragraph type="secondary">
+          待审 {overdueSummary.pendingCount} 笔
+          {overdueSummary.overdueCount > 0 ? (
+            <Typography.Text type="danger">
+              {' '}
+              · 超时未审 {overdueSummary.overdueCount} 笔（FIN-003）
+            </Typography.Text>
+          ) : null}
+        </Typography.Paragraph>
+      ) : null}
+
+      <Form
+        form={form}
+        layout="inline"
+        style={{ marginBottom: 16, gap: 8 }}
+        initialValues={{ status: 'PENDING_REVIEW' }}
+        onFinish={(v) => {
+          const range = v.range as [Dayjs, Dayjs] | undefined;
+          setFilters({
+            status: v.status || '',
+            storeId: v.storeId || '',
+            dateFrom: range?.[0]?.format('YYYY-MM-DD') || '',
+            dateTo: range?.[1]?.format('YYYY-MM-DD') || '',
+          });
+        }}
+      >
+        <Form.Item name="status" label="状态">
+          <Select
+            allowClear
+            style={{ width: 140 }}
+            options={[
+              { value: 'PENDING_REVIEW', label: '待审核' },
+              { value: 'PAID', label: '已结算' },
+              { value: 'REJECTED', label: '已驳回' },
+            ]}
+          />
+        </Form.Item>
+        <Form.Item name="storeId" label="门店">
+          <Select
+            allowClear
+            showSearch
+            optionFilterProp="label"
+            style={{ width: 220 }}
+            options={stores.map((s) => ({
+              value: s.id,
+              label: `${s.name} (${s.phone})`,
+            }))}
+          />
+        </Form.Item>
+        <Form.Item name="range" label="申请日">
+          <DatePicker.RangePicker />
+        </Form.Item>
+        <Form.Item>
+          <Button type="primary" htmlType="submit">
+            查询
+          </Button>
+        </Form.Item>
+      </Form>
+
+      <Table
+        rowKey="id"
+        loading={loading}
+        columns={columns}
+        dataSource={data?.items ?? []}
+        scroll={{ x: 1100 }}
+        rowClassName={(row) => (row.overdue ? 'ant-table-row-selected' : '')}
+        pagination={{
+          current: page,
+          pageSize,
+          total: data?.total ?? 0,
+          showSizeChanger: true,
+          onChange: (p, ps) => {
+            setPage(p);
+            setPageSize(ps);
+          },
+        }}
+      />
+
+      <Drawer
+        title="提现详情"
+        width={640}
+        open={drawerOpen}
+        onClose={() => setDrawerOpen(false)}
+        extra={
+          detail?.status === 'PENDING_REVIEW' ? (
+            <Space>
+              <Button type="primary" onClick={() => approve(String(detail.id))}>
+                通过
+              </Button>
+              <Button danger onClick={() => reject(String(detail.id))}>
+                驳回
+              </Button>
+            </Space>
+          ) : null
+        }
+      >
+        {detail ? (
+          <>
+            <Descriptions column={1} size="small" bordered>
+              <Descriptions.Item label="提现单号">{String(detail.withdrawNo)}</Descriptions.Item>
+              <Descriptions.Item label="状态">
+                <Tag color={STATUS_COLORS[String(detail.status)]}>
+                  {STORE_WITHDRAW_STATUS_LABELS[detail.status as StoreWithdrawStatus] ??
+                    String(detail.status)}
+                </Tag>
+                {detail.overdue ? <Tag color="magenta">超时</Tag> : null}
+              </Descriptions.Item>
+              <Descriptions.Item label="金额">¥{Number(detail.amount).toFixed(2)}</Descriptions.Item>
+              <Descriptions.Item label="明细笔数">{String(detail.payoutCount)}</Descriptions.Item>
+              <Descriptions.Item label="申请时间">{fmtTime(String(detail.appliedAt))}</Descriptions.Item>
+              {detail.rejectReason ? (
+                <Descriptions.Item label="驳回理由">{String(detail.rejectReason)}</Descriptions.Item>
+              ) : null}
+              {detail.paymentRef ? (
+                <Descriptions.Item label="打款凭证">{String(detail.paymentRef)}</Descriptions.Item>
+              ) : null}
+              <Descriptions.Item label="收款户名">
+                {storeAccount?.bankAccountName || '—'}
+              </Descriptions.Item>
+              <Descriptions.Item label="收款账号">
+                {storeAccount?.bankAccountNo || '—'}
+              </Descriptions.Item>
+              <Descriptions.Item label="开户行">{storeAccount?.bankBranch || '—'}</Descriptions.Item>
+            </Descriptions>
+
+            <Typography.Title level={5} style={{ marginTop: 24 }}>
+              关联结算明细
+            </Typography.Title>
+            <Table
+              size="small"
+              rowKey={(r) => String((r as { id?: string }).id)}
+              pagination={false}
+              dataSource={detailItems}
+              columns={[
+                {
+                  title: '核销单号',
+                  render: (_, r) => {
+                    const payout = (r as { storePayout?: { redeemRecord?: { redeemNo?: string } } })
+                      .storePayout;
+                    return payout?.redeemRecord?.redeemNo || '—';
+                  },
+                },
+                {
+                  title: '结算额',
+                  render: (_, r) => {
+                    const payout = (r as { storePayout?: { payoutAmount?: number } }).storePayout;
+                    return `¥${Number(payout?.payoutAmount ?? 0).toFixed(2)}`;
+                  },
+                },
+              ]}
+            />
+          </>
+        ) : null}
+      </Drawer>
+    </div>
+  );
+}

apps/admin-web/src/pages/StoresPage.tsx

@@ -373,6 +373,7 @@ type StoreRow = {
   coverUrl: string | null;
   createdAt: string;
   visibilityWhitelistEnabled?: boolean;
+  withdrawWhitelistEnabled?: boolean;
   visibilityPhones?: string[];
   cityRef?: { name: string; code: string };
   partner?: { companyName: string };
@@ -592,6 +593,7 @@ export default function StoresPage() {
       bankAccountNo: account?.bankAccountNo || undefined,
       bankBranch: account?.bankBranch || undefined,
       visibilityWhitelistEnabled: !!d.visibilityWhitelistEnabled,
+      withdrawWhitelistEnabled: !!d.withdrawWhitelistEnabled,
       visibilityPhones: Array.isArray(d.visibilityPhones)
         ? (d.visibilityPhones as string[])
         : [],
@@ -635,6 +637,7 @@ export default function StoresPage() {
         bankAccountNo: v.bankAccountNo ?? null,
         bankBranch: v.bankBranch ?? null,
         visibilityWhitelistEnabled: !!v.visibilityWhitelistEnabled,
+        withdrawWhitelistEnabled: !!v.withdrawWhitelistEnabled,
         visibilityPhones: ((v.visibilityPhones as string[] | undefined) ?? [])
           .map((p) => String(p || '').replace(/\D/g, '').trim())
           .filter(Boolean),
@@ -811,6 +814,7 @@ export default function StoresPage() {
           bankBranch: values.bankBranch.trim(),
           settlementRate: Number(values.settlementRate ?? 60) / 100,
           visibilityWhitelistEnabled: !!values.visibilityWhitelistEnabled,
+          withdrawWhitelistEnabled: !!values.withdrawWhitelistEnabled,
           visibilityPhones: (values.visibilityPhones ?? [])
             .map((p: string) => String(p || '').replace(/\D/g, '').trim())
             .filter(Boolean),
@@ -1180,6 +1184,14 @@ export default function StoresPage() {
                       <Form.Item name="settlementRate" label="核销结算比例 %" initialValue={60} rules={[{ required: true }]}>
                         <InputNumber min={0} max={100} precision={2} style={{ width: '100%' }} addonAfter="%" />
                       </Form.Item>
+                      <Form.Item
+                        name="withdrawWhitelistEnabled"
+                        label="未出账提现白名单"
+                        valuePropName="checked"
+                        extra="FIN-001：开启后该门店可对未出账余额发起手动提现"
+                      >
+                        <Switch checkedChildren="允许" unCheckedChildren="关闭" />
+                      </Form.Item>
                       <Form.Item name="bankAccountName" label="结算户名">
                         <Input placeholder="开户名" />
                       </Form.Item>
@@ -1426,6 +1438,14 @@ export default function StoresPage() {
               <Form.Item name="settlementRate" label="核销结算比例 %" initialValue={60} rules={[{ required: true, message: '请填写结算比例' }]}>
                 <InputNumber min={0} max={100} precision={2} style={{ width: '100%' }} addonAfter="%" />
               </Form.Item>
+              <Form.Item
+                name="withdrawWhitelistEnabled"
+                label="未出账提现白名单"
+                valuePropName="checked"
+                initialValue={false}
+              >
+                <Switch checkedChildren="允许" unCheckedChildren="关闭" />
+              </Form.Item>
               <Alert
                 type="info"
                 showIcon

apps/h5-shop/src/App.tsx

@@ -12,6 +12,7 @@ import RecordsPage from './pages/RecordsPage';
 import StatusPage from './pages/StatusPage';
 import MinePage from './pages/MinePage';
 import StaffPage from './pages/StaffPage';
+import WithdrawPage from './pages/WithdrawPage';
 
 export default function App() {
   return (
@@ -22,6 +23,7 @@ export default function App() {
         <Route path="/legal/privacy-policy" element={<LegalPage docId="privacy-policy" />} />
         <Route path="/select-store" element={<SelectStorePage />} />
         <Route path="/staff" element={<StaffPage />} />
+        <Route path="/withdraw" element={<WithdrawPage />} />
         <Route path="/redeem" element={<RedeemConfirmPage />} />
         <Route path="/redeem/phone" element={<PhoneRedeemPage />} />
         <Route path="/redeem/success" element={<RedeemSuccessPage />} />

apps/h5-shop/src/pages/MinePage.tsx

@@ -141,6 +141,10 @@ export default function MinePage() {
               切换门店
             </button>
           ) : null}
+          <button type="button" className="shop-mine-action" onClick={() => navigate('/withdraw')}>
+            <span className="material-symbols-outlined" style={{ fontSize: 20 }}>account_balance_wallet</span>
+            结算提现
+          </button>
           {profile?.isPrimary ? (
             <button type="button" className="shop-mine-action" onClick={() => navigate('/staff')}>
               <span className="material-symbols-outlined" style={{ fontSize: 20 }}>group</span>

apps/h5-shop/src/pages/RecordsPage.tsx

@@ -48,7 +48,8 @@ export default function RecordsPage() {
     return records.filter((r) => {
       if (!inRange(String(r.createdAt), range)) return false;
       if (statusFilter === 'all') return true;
-      const isPaid = Boolean(r.paidAt);
+      const payout = r.payout as { paidAt?: string | null; status?: string } | undefined;
+      const isPaid = Boolean(payout?.paidAt) || payout?.status === 'PAID' || Boolean(r.paidAt);
       if (statusFilter === 'paid') return isPaid;
       return !isPaid;
     });
@@ -134,7 +135,9 @@ export default function RecordsPage() {
             {filtered.map((r) => {
               const amount = Number(r.amount || 0);
               const settle = Number(r.settleAmount || 0);
-              const paid = Boolean(r.paidAt);
+              const payout = r.payout as { paidAt?: string | null; status?: string } | undefined;
+              const paid = Boolean(payout?.paidAt) || payout?.status === 'PAID' || Boolean(r.paidAt);
+              const paidAt = payout?.paidAt || (typeof r.paidAt === 'string' ? r.paidAt : null);
               return (
                 <article key={String(r.id)} className="shop-record-card">
                   <div className="shop-record-card-top">
@@ -162,7 +165,11 @@ export default function RecordsPage() {
                     </div>
                   </div>
                   <div className="shop-record-footer">
-                    <p>{paid ? `打款时间: ${new Date(String(r.createdAt)).toLocaleDateString('zh-CN')}` : '预计打款: T+1工作日'}</p>
+                    <p>
+                      {paid
+                        ? `打款时间: ${paidAt ? new Date(String(paidAt)).toLocaleDateString('zh-CN') : '—'}`
+                        : '预计打款: T+1工作日'}
+                    </p>
                     {storeName && (
                       <span style={{ display: 'flex', alignItems: 'center', gap: 4 }}>
                         <span className="material-symbols-outlined" style={{ fontSize: 12 }}>restaurant</span>

apps/h5-shop/src/pages/WithdrawPage.tsx

@@ -0,0 +1,235 @@
+import { useCallback, useEffect, useMemo, useState } from 'react';
+import { useNavigate } from 'react-router-dom';
+import {
+  STORE_WITHDRAW_STATUS_LABELS,
+  type StoreWithdrawRequestDto,
+  type StoreWithdrawStatus,
+  type StoreWithdrawSummaryDto,
+} from '@dukang/shared-types';
+import PullToRefresh from '@dukang/shared-ui/PullToRefresh';
+import { request } from '../lib/api';
+
+type StatusFilter = 'all' | StoreWithdrawStatus;
+
+function formatMoney(n: number) {
+  return n.toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+}
+
+export default function WithdrawPage() {
+  const navigate = useNavigate();
+  const [summary, setSummary] = useState<StoreWithdrawSummaryDto | null>(null);
+  const [items, setItems] = useState<StoreWithdrawRequestDto[]>([]);
+  const [statusFilter, setStatusFilter] = useState<StatusFilter>('all');
+  const [submitting, setSubmitting] = useState(false);
+  const [msg, setMsg] = useState('');
+
+  const load = useCallback(async () => {
+    try {
+      const [summaryRes, listRes] = await Promise.all([
+        request<StoreWithdrawSummaryDto>('SHOP_H5', '/shop/withdraw/summary'),
+        request<{ items: StoreWithdrawRequestDto[] }>('SHOP_H5', '/shop/withdraw/requests?pageSize=50'),
+      ]);
+      setSummary(summaryRes);
+      setItems(listRes.items || []);
+    } catch (e) {
+      setMsg(e instanceof Error ? e.message : '加载失败');
+    }
+  }, []);
+
+  useEffect(() => {
+    void load();
+  }, [load]);
+
+  const filtered = useMemo(() => {
+    if (statusFilter === 'all') return items;
+    return items.filter((r) => r.status === statusFilter);
+  }, [items, statusFilter]);
+
+  async function applyWithdraw() {
+    if (!summary || submitting) return;
+    if (!summary.isPrimary) {
+      setMsg('仅主账号可申请提现');
+      return;
+    }
+    if (!(summary.availableAmount > 0)) {
+      setMsg('暂无可提未出账余额');
+      return;
+    }
+    const ok = window.confirm(
+      `确认申请提现 ¥${formatMoney(summary.availableAmount)}？\n审核通过后将打款至入驻收款账户。`,
+    );
+    if (!ok) return;
+    setSubmitting(true);
+    setMsg('');
+    try {
+      await request('SHOP_H5', '/shop/withdraw', {
+        method: 'POST',
+        body: JSON.stringify({}),
+      });
+      setMsg('提现申请已提交，请等待总部审核');
+      await load();
+    } catch (e) {
+      setMsg(e instanceof Error ? e.message : '提现申请失败');
+    } finally {
+      setSubmitting(false);
+    }
+  }
+
+  const canApply =
+    !!summary?.isPrimary &&
+    !!summary.whitelistEnabled &&
+    summary.availableAmount > 0 &&
+    !summary.hasPendingRequest &&
+    summary.hasBankAccount &&
+    !submitting;
+
+  return (
+    <PullToRefresh onRefresh={load} className="shop-records-page shop-withdraw-page">
+      <header className="shop-records-header" style={{ display: 'flex', alignItems: 'center', gap: 8 }}>
+        <button
+          type="button"
+          className="shop-withdraw-back"
+          onClick={() => navigate(-1)}
+          aria-label="返回"
+        >
+          <span className="material-symbols-outlined" style={{ fontSize: 22 }}>
+            arrow_back
+          </span>
+        </button>
+        <h1 className="app-page-title" style={{ margin: 0 }}>
+          结算提现
+        </h1>
+      </header>
+
+      <div className="shop-records-main">
+        <section className="shop-records-summary">
+          <div className="shop-records-summary-grid">
+            <div>
+              <p className="shop-records-summary-label">可提未出账余额</p>
+              <p className="shop-records-summary-value">
+                ¥ {formatMoney(summary?.availableAmount ?? 0)}
+              </p>
+            </div>
+            <div>
+              <p className="shop-records-summary-label">今日剩余额度</p>
+              <p className="shop-records-summary-value">
+                ¥ {formatMoney(summary?.remainingDailyLimit ?? 0)}
+              </p>
+            </div>
+          </div>
+          <p className="shop-records-summary-note">
+            <span
+              className="material-symbols-outlined shop-fill-icon"
+              style={{ fontSize: 16, color: 'var(--color-success-green)' }}
+            >
+              info
+            </span>
+            单日上限 ¥{formatMoney(summary?.dailyLimit ?? 5000)}
+            {summary && !summary.whitelistEnabled ? ' · 未开通未出账提现白名单' : ''}
+            {summary?.hasPendingRequest ? ' · 已有待审核申请' : ''}
+          </p>
+        </section>
+
+        {summary && !summary.isPrimary ? (
+          <p className="shop-records-empty">仅主账号可申请提现，店员可查看记录</p>
+        ) : (
+          <button
+            type="button"
+            className="shop-withdraw-btn"
+            disabled={!canApply}
+            onClick={() => void applyWithdraw()}
+          >
+            {submitting ? '提交中…' : '申请提现'}
+          </button>
+        )}
+
+        {msg ? <p className="shop-withdraw-msg">{msg}</p> : null}
+
+        <nav className="shop-records-filters" style={{ marginTop: 16 }}>
+          <div className="shop-records-status-chips">
+            {(
+              [
+                ['all', '全部'],
+                ['PENDING_REVIEW', '待审核'],
+                ['PAID', '已结算'],
+                ['REJECTED', '已驳回'],
+              ] as const
+            ).map(([key, label]) => (
+              <button
+                key={key}
+                type="button"
+                className={`shop-records-chip${statusFilter === key ? ' active' : ''}`}
+                onClick={() => setStatusFilter(key)}
+              >
+                {label}
+              </button>
+            ))}
+          </div>
+        </nav>
+
+        <div className="shop-records-list-head">
+          <h3 className="shop-records-list-title">提现记录</h3>
+          <span className="shop-records-list-count">共 {filtered.length} 笔</span>
+        </div>
+
+        {filtered.length === 0 ? (
+          <p className="shop-records-empty">暂无提现记录</p>
+        ) : (
+          <div className="shop-records-list">
+            {filtered.map((r) => {
+              const status = r.status as StoreWithdrawStatus;
+              const badgeClass =
+                status === 'PAID' ? 'paid' : status === 'REJECTED' ? 'rejected' : 'pending';
+              return (
+                <article key={r.id} className="shop-record-card">
+                  <div className="shop-record-card-top">
+                    <div>
+                      <div className="shop-record-order">
+                        <span className="shop-record-time" style={{ margin: 0 }}>
+                          单号
+                        </span>
+                        <span>{r.withdrawNo}</span>
+                      </div>
+                      <p className="shop-record-time">
+                        申请时间:{' '}
+                        {new Date(r.appliedAt)
+                          .toLocaleString('zh-CN', { hour12: false })
+                          .slice(0, 16)}
+                      </p>
+                    </div>
+                    <span className={`shop-record-badge ${badgeClass}`}>
+                      {STORE_WITHDRAW_STATUS_LABELS[status] ?? status}
+                    </span>
+                  </div>
+                  <div className="shop-record-amounts">
+                    <div>
+                      <p className="shop-record-amount-label">提现金额</p>
+                      <p className="shop-record-amount-value red">¥{formatMoney(Number(r.amount))}</p>
+                    </div>
+                    <div>
+                      <p className="shop-record-amount-label">明细笔数</p>
+                      <p className="shop-record-amount-value">{r.payoutCount} 笔</p>
+                    </div>
+                  </div>
+                  {status === 'REJECTED' && r.rejectReason ? (
+                    <div className="shop-record-footer">
+                      <p>驳回原因: {r.rejectReason}</p>
+                    </div>
+                  ) : null}
+                  {status === 'PAID' && r.paidAt ? (
+                    <div className="shop-record-footer">
+                      <p>
+                        结算时间:{' '}
+                        {new Date(r.paidAt).toLocaleString('zh-CN', { hour12: false }).slice(0, 16)}
+                      </p>
+                    </div>
+                  ) : null}
+                </article>
+              );
+            })}
+          </div>
+        )}
+      </div>
+    </PullToRefresh>
+  );
+}

apps/h5-shop/src/styles.css

@@ -1714,6 +1714,46 @@
   color: var(--color-aged-amber);
 }
 
+.shop-record-badge.rejected {
+  background: rgba(180, 35, 24, 0.1);
+  color: var(--color-error-red, #b42318);
+}
+
+.shop-withdraw-back {
+  border: none;
+  background: transparent;
+  padding: 4px;
+  display: inline-flex;
+  align-items: center;
+  color: inherit;
+  cursor: pointer;
+}
+
+.shop-withdraw-btn {
+  width: 100%;
+  margin-top: 12px;
+  height: 44px;
+  border: none;
+  border-radius: 12px;
+  background: var(--color-primary, #8b1a1a);
+  color: #fff;
+  font-size: 16px;
+  font-weight: 600;
+  cursor: pointer;
+}
+
+.shop-withdraw-btn:disabled {
+  opacity: 0.45;
+  cursor: not-allowed;
+}
+
+.shop-withdraw-msg {
+  margin-top: 10px;
+  font-size: 13px;
+  color: var(--color-aged-amber);
+  text-align: center;
+}
+
 .shop-record-amounts {
   display: grid;
   grid-template-columns: 1fr 1fr;

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);
+  });
+});

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 };

packages/shared-types/src/hq-permissions.ts

@@ -32,6 +32,7 @@ export const HQ_PERMISSION_CATALOG = [
   { key: 'system_settings_app', label: '应用链接', group: '系统设置' },
   { key: 'system_settings_deploy', label: '发布部署', group: '系统设置' },
   { key: 'system_settings_winery_bank', label: '酒厂银行账户', group: '系统设置' },
+  { key: 'system_settings_finance', label: '财务结算', group: '系统设置' },
 ] as const;
 
 export type HqPermissionKey = (typeof HQ_PERMISSION_CATALOG)[number]['key'];
@@ -61,6 +62,7 @@ export const SYSTEM_CONFIG_GROUP_PERMISSION: Record<string, HqPermissionKey> = {
   app: 'system_settings_app',
   deploy: 'system_settings_deploy',
   winery_bank: 'system_settings_winery_bank',
+  finance: 'system_settings_finance',
 };
 
 export const SYSTEM_SETTINGS_PERMISSION_KEYS = Object.values(
@@ -127,6 +129,7 @@ export const HQ_ROLE_DEFAULT_PERMISSIONS: Record<string, HqPermissionKey[]> = {
     'invoices',
     'logs',
     'system_settings_winery_bank',
+    'system_settings_finance',
   ],
   CUSTOMER_SERVICE: [
     'dashboard',

packages/shared-types/src/settlement.ts

@@ -1,5 +1,49 @@
 export type FinancePayStatus = 'UNPAID' | 'PAID';
 
+/** 门店未出账提现单日上限默认值（FIN-002，可配置） */
+export const DEFAULT_STORE_WITHDRAW_DAILY_LIMIT = 5000;
+
+export type StoreWithdrawStatus = 'PENDING_REVIEW' | 'REJECTED' | 'PAID';
+
+export const STORE_WITHDRAW_STATUS_LABELS: Record<StoreWithdrawStatus, string> = {
+  PENDING_REVIEW: '待审核',
+  REJECTED: '已驳回',
+  PAID: '已结算',
+};
+
+export interface StoreWithdrawBankAccountDto {
+  bankAccountName?: string | null;
+  bankAccountNo?: string | null;
+  bankBranch?: string | null;
+}
+
+export interface StoreWithdrawSummaryDto {
+  availableAmount: number;
+  pendingReviewAmount: number;
+  todayAppliedAmount: number;
+  dailyLimit: number;
+  remainingDailyLimit: number;
+  whitelistEnabled: boolean;
+  isPrimary: boolean;
+  hasBankAccount: boolean;
+  hasPendingRequest: boolean;
+  bankAccount?: StoreWithdrawBankAccountDto | null;
+}
+
+export interface StoreWithdrawRequestDto {
+  id: string;
+  withdrawNo: string;
+  storeId: string;
+  amount: number;
+  payoutCount: number;
+  status: StoreWithdrawStatus;
+  rejectReason?: string | null;
+  appliedAt: string;
+  reviewedAt?: string | null;
+  paidAt?: string | null;
+  paymentRef?: string | null;
+}
+
 export interface StorePayoutDto {
   id: string;
   redeemAmount: number;

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', {
+  const shopStoreId = shopMe.storeId || shopMe.stores?.[0]?.storeId;
-    token: admin.accessToken,
+  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');
+  if (!String(noWhitelistMsg).includes('白名单')) {
-  const payoutId = payouts.items[0].id;
+    throw new Error(`Expected FIN-001 whitelist reject, got: ${noWhitelistMsg}`);
-  await req('HQ_WEB', `/admin/store-payouts/${payoutId}/confirm`, {
+  }
+
+  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',

server/dukang-api/prisma/schema.prisma

@@ -314,6 +314,12 @@ enum StorePayoutStatus {
   PAID
 }
 
+enum StoreWithdrawStatus {
+  PENDING_REVIEW
+  REJECTED
+  PAID
+}
+
 enum ThirdPartyProvider {
   WECHAT_PAY
   WECHAT_REFUND
@@ -1064,6 +1070,8 @@ model Store {
   settlementRate  Decimal     @default(0.60) @map("settlement_rate") @db.Decimal(5, 4)
   /// Online test: only listed phones can see store on C-end when enabled
   visibilityWhitelistEnabled Boolean @default(false) @map("visibility_whitelist_enabled")
+  /// FIN-001：允许未出账手动提现的白名单门店
+  withdrawWhitelistEnabled Boolean @default(false) @map("withdraw_whitelist_enabled")
   createdAt       DateTime    @default(now()) @map("created_at") @db.DateTime(3)
   updatedAt       DateTime    @updatedAt @map("updated_at") @db.DateTime(3)
 
@@ -1077,6 +1085,7 @@ model Store {
   ratings              StoreRating[]
   payouts              StorePayout[]
   storeBills           StoreBill[]
+  withdrawRequests     StoreWithdrawRequest[]
   visibilityPhones     StoreVisibilityPhone[]
 
   @@index([cityId, status])
@@ -1121,6 +1130,7 @@ model StoreAccount {
   childAccounts        StoreAccount[]        @relation("StoreAccountHierarchy")
   bindings             StoreAccountStore[]
   redeemPendingRecords RedeemPendingRecord[]
+  withdrawRequests     StoreWithdrawRequest[]
 
   @@index([parentAccountId])
   @@map("store_account")
@@ -1432,12 +1442,52 @@ model StorePayout {
   redeemRecord RedeemRecord @relation(fields: [redeemRecordId], references: [id], onDelete: Restrict)
   store        Store        @relation(fields: [storeId], references: [id], onDelete: Restrict)
   storeBill    StoreBill?   @relation(fields: [storeBillId], references: [id], onDelete: SetNull)
+  withdrawItem StoreWithdrawPayoutItem?
 
   @@index([storeId, status])
   @@index([storeBillId])
   @@map("store_payout")
 }
 
+model StoreWithdrawRequest {
+  id              BigInt              @id @default(autoincrement()) @db.UnsignedBigInt
+  withdrawNo      String              @unique @map("withdraw_no") @db.VarChar(32)
+  storeId         BigInt              @map("store_id") @db.UnsignedBigInt
+  storeAccountId  BigInt              @map("store_account_id") @db.UnsignedBigInt
+  amount          Decimal             @db.Decimal(10, 2)
+  payoutCount     Int                 @default(0) @map("payout_count")
+  status          StoreWithdrawStatus @default(PENDING_REVIEW)
+  rejectReason    String?             @map("reject_reason") @db.VarChar(512)
+  appliedAt       DateTime            @default(now()) @map("applied_at") @db.DateTime(3)
+  reviewedAt      DateTime?           @map("reviewed_at") @db.DateTime(3)
+  reviewedByHqId  BigInt?             @map("reviewed_by_hq_id") @db.UnsignedBigInt
+  paidAt          DateTime?           @map("paid_at") @db.DateTime(3)
+  paymentRef      String?             @map("payment_ref") @db.VarChar(128)
+  createdAt       DateTime            @default(now()) @map("created_at") @db.DateTime(3)
+  updatedAt       DateTime            @updatedAt @map("updated_at") @db.DateTime(3)
+
+  store        Store                      @relation(fields: [storeId], references: [id], onDelete: Restrict)
+  storeAccount StoreAccount               @relation(fields: [storeAccountId], references: [id], onDelete: Restrict)
+  items        StoreWithdrawPayoutItem[]
+
+  @@index([storeId, status])
+  @@index([status, appliedAt])
+  @@map("store_withdraw_request")
+}
+
+model StoreWithdrawPayoutItem {
+  id                BigInt   @id @default(autoincrement()) @db.UnsignedBigInt
+  withdrawRequestId BigInt   @map("withdraw_request_id") @db.UnsignedBigInt
+  storePayoutId     BigInt   @unique @map("store_payout_id") @db.UnsignedBigInt
+  createdAt         DateTime @default(now()) @map("created_at") @db.DateTime(3)
+
+  withdrawRequest StoreWithdrawRequest @relation(fields: [withdrawRequestId], references: [id], onDelete: Cascade)
+  storePayout     StorePayout          @relation(fields: [storePayoutId], references: [id], onDelete: Restrict)
+
+  @@index([withdrawRequestId])
+  @@map("store_withdraw_payout_item")
+}
+
 model WineryBill {
   id           BigInt           @id @default(autoincrement()) @db.UnsignedBigInt
   billNo       String           @unique @map("bill_no") @db.VarChar(32)

server/dukang-api/src/common/guards/shop-primary.guard.ts

@@ -0,0 +1,30 @@
+import {
+  CanActivate,
+  ExecutionContext,
+  ForbiddenException,
+  Injectable,
+} from '@nestjs/common';
+import { PrismaService } from '../prisma/prisma.module';
+import type { AuthUser } from './jwt-auth.guard';
+
+/** 门店主账号专用（提现等资金操作） */
+@Injectable()
+export class ShopPrimaryGuard implements CanActivate {
+  constructor(private readonly prisma: PrismaService) {}
+
+  async canActivate(context: ExecutionContext): Promise<boolean> {
+    const req = context.switchToHttp().getRequest();
+    const user = req.user as AuthUser | undefined;
+    if (!user || user.actorType !== 'STORE') {
+      throw new ForbiddenException('仅门店主账号可操作');
+    }
+    const account = await this.prisma.storeAccount.findUnique({
+      where: { id: user.actorId },
+      select: { isPrimary: true },
+    });
+    if (!account || account.isPrimary !== 1) {
+      throw new ForbiddenException('仅门店主账号可申请提现');
+    }
+    return true;
+  }
+}

server/dukang-api/src/common/hq-operation/hq-operation.constants.ts

@@ -61,6 +61,8 @@ export const HqOperationAction = {
   STORE_PAYOUT_BATCH_CONFIRM: 'STORE_PAYOUT_BATCH_CONFIRM',
   STORE_BILL_CONFIRM: 'STORE_BILL_CONFIRM',
   STORE_BILL_BATCH_CONFIRM: 'STORE_BILL_BATCH_CONFIRM',
+  STORE_WITHDRAW_APPROVE: 'STORE_WITHDRAW_APPROVE',
+  STORE_WITHDRAW_REJECT: 'STORE_WITHDRAW_REJECT',
   PARTNER_BILL_GENERATE: 'PARTNER_BILL_GENERATE',
   PARTNER_BILL_SEND: 'PARTNER_BILL_SEND',
   PARTNER_BILL_BATCH_SEND: 'PARTNER_BILL_BATCH_SEND',
@@ -164,6 +166,8 @@ export const HQ_OPERATION_ACTION_LABELS: Record<string, string> = {
   [HqOperationAction.STORE_PAYOUT_BATCH_CONFIRM]: '批量门店打款',
   [HqOperationAction.STORE_BILL_CONFIRM]: '门店对账单确认打款',
   [HqOperationAction.STORE_BILL_BATCH_CONFIRM]: '批量门店对账单打款',
+  [HqOperationAction.STORE_WITHDRAW_APPROVE]: '门店提现审核通过',
+  [HqOperationAction.STORE_WITHDRAW_REJECT]: '门店提现驳回',
   [HqOperationAction.PARTNER_BILL_GENERATE]: '生成合伙人账单',
   [HqOperationAction.PARTNER_BILL_SEND]: '发送合伙人账单',
   [HqOperationAction.PARTNER_BILL_BATCH_SEND]: '批量发送合伙人账单',

server/dukang-api/src/common/system-config/system-config.registry.ts

@@ -10,6 +10,7 @@ export const SYSTEM_CONFIG_GROUPS: SystemConfigGroupMeta[] = [
   { key: 'app', label: '应用链接' },
   { key: 'deploy', label: '发布部署' },
   { key: 'winery_bank', label: '酒厂银行账户' },
+  { key: 'finance', label: '财务结算' },
 ];
 
 const G = {
@@ -21,6 +22,7 @@ const G = {
   app: 'app',
   deploy: 'deploy',
   winery_bank: 'winery_bank',
+  finance: 'finance',
 } as const;
 
 /** HQ 可维护字段（不含 NODE_ENV / DATABASE_URL / JWT 等基础设施项） */
@@ -187,6 +189,15 @@ export const SYSTEM_CONFIG_FIELDS: SystemConfigFieldMeta[] = [
     type: 'string',
     requiresRestart: false,
   },
+  {
+    key: 'STORE_WITHDRAW_DAILY_LIMIT',
+    label: '门店未出账提现单日上限（元）',
+    group: G.finance,
+    type: 'number',
+    requiresRestart: false,
+    description: 'FIN-002：单店单日提现上限，默认 5000',
+    placeholder: '5000',
+  },
 ];
 
 /** 已从 HQ 配置移除、仅保留在 .env 的键（启动时从 DB 清理） */

server/dukang-api/src/jobs/settlement.scheduler.ts

@@ -7,6 +7,7 @@ import { AlertService } from '../common/alert/alert.service';
  * 财务对账单定时任务（Asia/Shanghai）
  * - 每日 08:00：酒厂日账单 + 门店日账单（统计昨日 00:00～今日 00:00）
  * - 每月 1 日 08:00：合伙人上一自然月账单 + 物流承运商上一自然月对账
+ * - 工作日 18:05：门店提现 T+0 审完预警（FIN-003）
  */
 @Injectable()
 export class SettlementScheduler {
@@ -48,6 +49,34 @@ export class SettlementScheduler {
     }
   }
 
+  /** FIN-003：工作日 18:05 扫描超时未审门店提现 */
+  @Cron('5 18 * * 1-5', { timeZone: 'Asia/Shanghai' })
+  async handleWithdrawOverdueAlert() {
+    this.logger.log('Store withdraw overdue scan start');
+    try {
+      const summary = await this.settlementService.scanOverdueStoreWithdrawals();
+      this.logger.log(`Store withdraw overdue: ${JSON.stringify(summary)}`);
+      if (summary.overdueCount > 0) {
+        this.alert.notify({
+          level: 'P1',
+          category: 'finance',
+          title: '门店提现超时未审',
+          detail: `待审 ${summary.pendingCount} 笔，超时 ${summary.overdueCount} 笔，超时金额 ¥${summary.overdueAmount.toFixed(2)}`,
+          dedupeKey: `job_store_withdraw_overdue|${new Date().toISOString().slice(0, 10)}`,
+        });
+      }
+    } catch (e) {
+      this.logger.error('Store withdraw overdue scan failed', e instanceof Error ? e.stack : e);
+      this.alert.notify({
+        level: 'P1',
+        category: 'job',
+        title: '门店提现超时扫描失败',
+        detail: e instanceof Error ? e.message : String(e),
+        dedupeKey: `job_store_withdraw_overdue|${new Date().toISOString().slice(0, 10)}`,
+      });
+    }
+  }
+
   @Cron('0 8 1 * *', { timeZone: 'Asia/Shanghai' })
   async handleMonthlyPartnerBills() {
     this.logger.log('Monthly partner bills job start');

server/dukang-api/src/modules/iam/iam.module.ts

@@ -23,6 +23,7 @@ import { HqAuthGuard } from '../../common/guards/hq-auth.guard';
 import { PartnerPrimaryGuard } from '../../common/guards/partner-primary.guard';
 import { PartnerPermissionGuard } from '../../common/guards/partner-permission.guard';
 import { ShopStoreGuard } from '../../common/guards/shop-store.guard';
+import { ShopPrimaryGuard } from '../../common/guards/shop-primary.guard';
 import { StoreMembershipService } from '../../common/guards/store-membership.service';
 import {
   HqPermissionGuard,
@@ -63,6 +64,7 @@ import { CommonModule } from '../common/common.module';
     PartnerPrimaryGuard,
     PartnerPermissionGuard,
     ShopStoreGuard,
+    ShopPrimaryGuard,
     HqPermissionsResolver,
     HqPermissionGuard,
   ],
@@ -80,6 +82,7 @@ import { CommonModule } from '../common/common.module';
     PartnerPrimaryGuard,
     PartnerPermissionGuard,
     ShopStoreGuard,
+    ShopPrimaryGuard,
     HqPermissionsResolver,
     HqPermissionGuard,
   ],

server/dukang-api/src/modules/ops/admin-dashboard.service.ts

@@ -40,6 +40,21 @@ function num(v: Prisma.Decimal | number | string | null | undefined): number {
   return typeof v === 'number' ? v : Number(v);
 }
 
+function isWithdrawOverdue(appliedAt: Date, now = new Date()): boolean {
+  const day = appliedAt.getDay();
+  if (day === 0 || day === 6) return false;
+  const deadline = new Date(
+    appliedAt.getFullYear(),
+    appliedAt.getMonth(),
+    appliedAt.getDate(),
+    18,
+    0,
+    0,
+    0,
+  );
+  return now.getTime() > deadline.getTime();
+}
+
 @Injectable()
 export class AdminDashboardService {
   constructor(private readonly prisma: PrismaService) {}
@@ -63,6 +78,7 @@ export class AdminDashboardService {
       pendingBills,
       pendingPartnerDraftBills,
       openTickets,
+      pendingWithdrawRows,
     ] = await Promise.all([
       this.prisma.user.count({ where: { status: 1, mergedIntoUserId: null } }),
       this.prisma.user.count({
@@ -85,8 +101,18 @@ export class AdminDashboardService {
       this.prisma.partnerBill.count({ where: { status: 'UNPAID' } }),
       this.prisma.partnerBill.count({ where: { status: 'PENDING_REVIEW' } }),
       this.prisma.commonTicket.count({ where: { status: { in: ['PENDING', 'OPEN'] } } }),
+      this.prisma.storeWithdrawRequest.findMany({
+        where: { status: 'PENDING_REVIEW' },
+        select: { appliedAt: true },
+      }),
     ]);
 
+    const now = new Date();
+    const pendingStoreWithdrawals = pendingWithdrawRows.length;
+    const overdueStoreWithdrawals = pendingWithdrawRows.filter((r) =>
+      isWithdrawOverdue(r.appliedAt, now),
+    ).length;
+
     return {
       usersTotal,
       guestUsers,
@@ -101,6 +127,8 @@ export class AdminDashboardService {
       pendingBills,
       pendingPartnerDraftBills,
       openTickets,
+      pendingStoreWithdrawals,
+      overdueStoreWithdrawals,
       ordersByStatus: ordersByStatus.map((row) => ({
         status: row.status,
         count: row._count.status,

server/dukang-api/src/modules/ops/admin-stores.service.ts

@@ -357,6 +357,9 @@ export class AdminStoresService {
           ...(dto.visibilityWhitelistEnabled !== undefined
             ? { visibilityWhitelistEnabled: !!dto.visibilityWhitelistEnabled }
             : {}),
+          ...(dto.withdrawWhitelistEnabled !== undefined
+            ? { withdrawWhitelistEnabled: !!dto.withdrawWhitelistEnabled }
+            : {}),
           ...(latitude != null && longitude != null ? { latitude, longitude } : {}),
         },
       });
@@ -516,6 +519,7 @@ export class AdminStoresService {
         openTime2: openTime2 || null,
         closeTime2: closeTime2 || null,
         visibilityWhitelistEnabled: whitelistEnabled,
+        withdrawWhitelistEnabled: !!dto.withdrawWhitelistEnabled,
         ...(latitude != null && longitude != null ? { latitude, longitude } : {}),
         status: 'OPEN',
         auditStatus: 'APPROVED',

server/dukang-api/src/modules/ops/dto/admin-mutate.dto.ts

@@ -138,6 +138,11 @@ export class CreateStoreDto {
   @IsArray()
   @IsString({ each: true })
   visibilityPhones?: string[];
+
+  /** FIN-001：允许未出账手动提现 */
+  @IsOptional()
+  @IsBoolean()
+  withdrawWhitelistEnabled?: boolean;
 }
 
 export class UpdateStoreDto {
@@ -237,6 +242,11 @@ export class UpdateStoreDto {
   @IsArray()
   @IsString({ each: true })
   visibilityPhones?: string[];
+
+  /** FIN-001：允许未出账手动提现 */
+  @IsOptional()
+  @IsBoolean()
+  withdrawWhitelistEnabled?: boolean;
 }
 
 export class CreateStoreAccountDto {

server/dukang-api/src/modules/settlement/settlement.controller.ts

@@ -5,6 +5,7 @@ import { SettlementService } from './settlement.service';
 import { JwtAuthGuard, AuthUser } from '../../common/guards/jwt-auth.guard';
 import { PartnerPrimaryGuard } from '../../common/guards/partner-primary.guard';
 import { ShopStoreGuard } from '../../common/guards/shop-store.guard';
+import { ShopPrimaryGuard } from '../../common/guards/shop-primary.guard';
 import { CurrentUser } from '../../common/decorators/current-user.decorator';
 import { HqAuthGuard } from '../../common/guards/hq-auth.guard';
 import { HqOperation } from '../../common/hq-operation/hq-operation.decorator';
@@ -59,6 +60,98 @@ export class ShopPayoutController {
   }
 }
 
+@Controller('shop/withdraw')
+@UseGuards(JwtAuthGuard, ShopStoreGuard)
+export class ShopWithdrawController {
+  constructor(private readonly settlementService: SettlementService) {}
+
+  @Get('summary')
+  summary(@CurrentUser() user: AuthUser) {
+    return this.settlementService.getShopWithdrawSummary(user.actorId, user.storeId!);
+  }
+
+  @Get('requests')
+  requests(
+    @CurrentUser() user: AuthUser,
+    @Query('page') page = '1',
+    @Query('pageSize') pageSize = '20',
+    @Query('status') status?: string,
+  ) {
+    return this.settlementService.listShopWithdrawRequests(user.actorId, user.storeId!, {
+      page: Number(page),
+      pageSize: Number(pageSize),
+      status,
+    });
+  }
+
+  @Post()
+  @UseGuards(ShopPrimaryGuard)
+  apply(@CurrentUser() user: AuthUser, @Body() body: { amount?: number }) {
+    return this.settlementService.createStoreWithdrawRequest(user.actorId, user.storeId!, body);
+  }
+}
+
+@Controller('admin/store-withdrawals')
+@UseGuards(HqAuthGuard)
+export class AdminStoreWithdrawController {
+  constructor(private readonly settlementService: SettlementService) {}
+
+  @Get('overdue-summary')
+  overdueSummary() {
+    return this.settlementService.getStoreWithdrawOverdueSummary();
+  }
+
+  @Get()
+  list(@Query() query: Record<string, string>) {
+    return this.settlementService.listAdminStoreWithdrawals({
+      page: query.page ? Number(query.page) : 1,
+      pageSize: query.pageSize ? Number(query.pageSize) : 20,
+      status: query.status,
+      storeId: query.storeId,
+      dateFrom: query.dateFrom,
+      dateTo: query.dateTo,
+    });
+  }
+
+  @Get(':id')
+  detail(@Param('id') id: string) {
+    return this.settlementService.getAdminStoreWithdrawal(BigInt(id));
+  }
+
+  @Post(':id/approve')
+  @HqOperation({
+    action: HqOperationAction.STORE_WITHDRAW_APPROVE,
+    refType: 'STORE_WITHDRAW',
+    refIdParam: 'id',
+    includeBody: true,
+  })
+  approve(
+    @CurrentUser() user: AuthUser,
+    @Param('id') id: string,
+    @Body() body: { paymentRef?: string },
+  ) {
+    return this.settlementService.approveStoreWithdraw(BigInt(id), user.actorId, body);
+  }
+
+  @Post(':id/reject')
+  @HqOperation({
+    action: HqOperationAction.STORE_WITHDRAW_REJECT,
+    refType: 'STORE_WITHDRAW',
+    refIdParam: 'id',
+    includeBody: true,
+  })
+  reject(
+    @CurrentUser() user: AuthUser,
+    @Param('id') id: string,
+    @Body() body: { reason?: string },
+  ) {
+    if (!body?.reason?.trim()) {
+      throw new BadRequestException('请填写驳回理由');
+    }
+    return this.settlementService.rejectStoreWithdraw(BigInt(id), user.actorId, body.reason);
+  }
+}
+
 @Controller('admin/store-payouts')
 @UseGuards(HqAuthGuard)
 export class AdminStorePayoutController {

server/dukang-api/src/modules/settlement/settlement.module.ts

@@ -9,10 +9,12 @@ import {
   AdminPartnerBillController,
   AdminStoreBillController,
   AdminStorePayoutController,
+  AdminStoreWithdrawController,
   AdminWineryBillController,
   PartnerMeController,
   SettlementController,
   ShopPayoutController,
+  ShopWithdrawController,
 } from './settlement.controller';
 
 @Module({
@@ -21,6 +23,8 @@ import {
     SettlementController,
     PartnerMeController,
     ShopPayoutController,
+    ShopWithdrawController,
+    AdminStoreWithdrawController,
     AdminStorePayoutController,
     AdminStoreBillController,
     AdminPartnerBillController,

server/dukang-api/src/modules/settlement/settlement.service.ts

@@ -1,7 +1,17 @@
 import { BadRequestException, Injectable, NotFoundException } from '@nestjs/common';
 import { Prisma } from '@prisma/client';
-import { DEFAULT_XFX_LOGISTICS_PRICING, WINERY_SETTLEMENT_RATE } from '@dukang/shared-types';
+import {
-import { calcLogisticsFeeByBottles, type LogisticsPricingRule } from '@dukang/domain';
+  DEFAULT_STORE_WITHDRAW_DAILY_LIMIT,
+  DEFAULT_XFX_LOGISTICS_PRICING,
+  WINERY_SETTLEMENT_RATE,
+} from '@dukang/shared-types';
+import {
+  calcLogisticsFeeByBottles,
+  pickPayoutsForWithdrawAmount,
+  sumUnbilledPayoutAmount,
+  validateStoreWithdraw,
+  type LogisticsPricingRule,
+} from '@dukang/domain';
 import { PrismaService } from '../../common/prisma/prisma.module';
 import { serializeBigInt } from '../../common/decorators/current-user.decorator';
 import { AnalyticsService } from '../analytics/analytics.service';
@@ -33,6 +43,28 @@ function round2(n: number) {
   return Math.round(n * 100) / 100;
 }
 
+function getStoreWithdrawDailyLimit(): number {
+  const raw = process.env.STORE_WITHDRAW_DAILY_LIMIT;
+  const n = raw != null && raw !== '' ? Number(raw) : DEFAULT_STORE_WITHDRAW_DAILY_LIMIT;
+  return Number.isFinite(n) && n > 0 ? n : DEFAULT_STORE_WITHDRAW_DAILY_LIMIT;
+}
+
+/** 工作日 18:00 前未审完视为 FIN-003 超时（Asia/Shanghai 自然日） */
+function isWithdrawOverdue(appliedAt: Date, now = new Date()): boolean {
+  const day = appliedAt.getDay(); // 0 Sun … 6 Sat
+  if (day === 0 || day === 6) return false;
+  const deadline = new Date(
+    appliedAt.getFullYear(),
+    appliedAt.getMonth(),
+    appliedAt.getDate(),
+    18,
+    0,
+    0,
+    0,
+  );
+  return now.getTime() > deadline.getTime();
+}
+
 @Injectable()
 export class SettlementService {
   constructor(
@@ -99,6 +131,440 @@ export class SettlementService {
     return serializeBigInt({ items, total, page, pageSize });
   }
 
+  // ─── Store withdraw (未出账手动提现) ─────────────────
+
+  private async assertShopStoreAccess(storeAccountId: bigint, storeId: bigint) {
+    await this.prisma.storeAccountStore.findUniqueOrThrow({
+      where: { storeAccountId_storeId: { storeAccountId, storeId } },
+    });
+  }
+
+  private async listAvailableUnbilledPayouts(storeId: bigint) {
+    return this.prisma.storePayout.findMany({
+      where: {
+        storeId,
+        status: 'PENDING',
+        storeBillId: null,
+        withdrawItem: null,
+      },
+      orderBy: [{ createdAt: 'asc' }, { id: 'asc' }],
+    });
+  }
+
+  private async todayWithdrawAppliedAmount(storeId: bigint, now = new Date()) {
+    const start = startOfDay(now);
+    const end = new Date(start);
+    end.setDate(end.getDate() + 1);
+    const agg = await this.prisma.storeWithdrawRequest.aggregate({
+      where: {
+        storeId,
+        status: { in: ['PENDING_REVIEW', 'PAID'] },
+        appliedAt: { gte: start, lt: end },
+      },
+      _sum: { amount: true },
+    });
+    return Number(agg._sum.amount ?? 0);
+  }
+
+  async getShopWithdrawSummary(storeAccountId: bigint, storeId: bigint) {
+    await this.assertShopStoreAccess(storeAccountId, storeId);
+    const [store, account, available, pending, todayApplied] = await Promise.all([
+      this.prisma.store.findUniqueOrThrow({
+        where: { id: storeId },
+        select: { withdrawWhitelistEnabled: true },
+      }),
+      this.prisma.storeAccount.findUniqueOrThrow({
+        where: { id: storeAccountId },
+        select: {
+          isPrimary: true,
+          bankAccountName: true,
+          bankAccountNo: true,
+          bankBranch: true,
+        },
+      }),
+      this.listAvailableUnbilledPayouts(storeId),
+      this.prisma.storeWithdrawRequest.findFirst({
+        where: { storeId, status: 'PENDING_REVIEW' },
+        select: { id: true, amount: true },
+      }),
+      this.todayWithdrawAppliedAmount(storeId),
+    ]);
+
+    const availableAmount = sumUnbilledPayoutAmount(
+      available.map((p) => ({ payoutAmount: Number(p.payoutAmount) })),
+    );
+    const dailyLimit = getStoreWithdrawDailyLimit();
+    const hasBankAccount = !!(
+      account.bankAccountName?.trim() &&
+      account.bankAccountNo?.trim()
+    );
+
+    return {
+      availableAmount,
+      pendingReviewAmount: pending ? Number(pending.amount) : 0,
+      todayAppliedAmount: todayApplied,
+      dailyLimit,
+      remainingDailyLimit: Math.max(0, round2(dailyLimit - todayApplied)),
+      whitelistEnabled: store.withdrawWhitelistEnabled,
+      isPrimary: account.isPrimary === 1,
+      hasBankAccount,
+      hasPendingRequest: !!pending,
+      bankAccount: {
+        bankAccountName: account.bankAccountName,
+        bankAccountNo: account.bankAccountNo,
+        bankBranch: account.bankBranch,
+      },
+    };
+  }
+
+  async createStoreWithdrawRequest(
+    storeAccountId: bigint,
+    storeId: bigint,
+    dto?: { amount?: number },
+  ) {
+    await this.assertShopStoreAccess(storeAccountId, storeId);
+
+    const [store, account, available, pending, todayApplied] = await Promise.all([
+      this.prisma.store.findUniqueOrThrow({
+        where: { id: storeId },
+        select: { withdrawWhitelistEnabled: true },
+      }),
+      this.prisma.storeAccount.findUniqueOrThrow({
+        where: { id: storeAccountId },
+        select: {
+          isPrimary: true,
+          bankAccountName: true,
+          bankAccountNo: true,
+        },
+      }),
+      this.listAvailableUnbilledPayouts(storeId),
+      this.prisma.storeWithdrawRequest.findFirst({
+        where: { storeId, status: 'PENDING_REVIEW' },
+        select: { id: true },
+      }),
+      this.todayWithdrawAppliedAmount(storeId),
+    ]);
+
+    if (account.isPrimary !== 1) {
+      throw new BadRequestException('仅门店主账号可申请提现');
+    }
+
+    const availableAmount = sumUnbilledPayoutAmount(
+      available.map((p) => ({ payoutAmount: Number(p.payoutAmount) })),
+    );
+    const dailyLimit = getStoreWithdrawDailyLimit();
+    const hasBankAccount = !!(
+      account.bankAccountName?.trim() &&
+      account.bankAccountNo?.trim()
+    );
+    const requestAmount =
+      dto?.amount != null && Number.isFinite(Number(dto.amount))
+        ? round2(Number(dto.amount))
+        : availableAmount;
+
+    const guard = validateStoreWithdraw({
+      whitelistEnabled: store.withdrawWhitelistEnabled,
+      availableAmount,
+      requestAmount,
+      todayApplied,
+      dailyLimit,
+      hasPendingRequest: !!pending,
+      hasBankAccount,
+    });
+    if (!guard.ok) throw new BadRequestException(guard.message);
+
+    const picked = pickPayoutsForWithdrawAmount(
+      available.map((p) => ({ id: p.id, payoutAmount: Number(p.payoutAmount) })),
+      requestAmount,
+    );
+    if (!picked.ok) throw new BadRequestException(picked.message);
+
+    const created = await this.prisma.$transaction(async (tx) => {
+      const stillPending = await tx.storeWithdrawRequest.findFirst({
+        where: { storeId, status: 'PENDING_REVIEW' },
+        select: { id: true },
+      });
+      if (stillPending) {
+        throw new BadRequestException('已有待审核提现申请，请等待处理完成');
+      }
+
+      const payoutIds = picked.selected.map((p) => p.id);
+      const locked = await tx.storePayout.findMany({
+        where: {
+          id: { in: payoutIds },
+          storeId,
+          status: 'PENDING',
+          storeBillId: null,
+          withdrawItem: null,
+        },
+        select: { id: true, payoutAmount: true },
+      });
+      if (locked.length !== payoutIds.length) {
+        throw new BadRequestException('可提余额已变化，请刷新后重试');
+      }
+      const amount = round2(locked.reduce((s, p) => s + Number(p.payoutAmount), 0));
+
+      const req = await tx.storeWithdrawRequest.create({
+        data: {
+          withdrawNo: generateBillNo('SW'),
+          storeId,
+          storeAccountId,
+          amount,
+          payoutCount: locked.length,
+          status: 'PENDING_REVIEW',
+        },
+      });
+      await tx.storeWithdrawPayoutItem.createMany({
+        data: locked.map((p) => ({
+          withdrawRequestId: req.id,
+          storePayoutId: p.id,
+        })),
+      });
+      return req;
+    });
+
+    this.analyticsService.trackStoreOneSafe(storeAccountId, 'SHOP_H5', {
+      storeId,
+      eventName: 'store_withdraw_applied',
+      refType: 'STORE_WITHDRAW',
+      refId: created.id,
+      extraJson: {
+        amount: Number(created.amount),
+        payoutCount: created.payoutCount,
+      },
+    });
+
+    return serializeBigInt(created);
+  }
+
+  async listShopWithdrawRequests(
+    storeAccountId: bigint,
+    storeId: bigint,
+    query: { page?: number; pageSize?: number; status?: string },
+  ) {
+    await this.assertShopStoreAccess(storeAccountId, storeId);
+    const page = query.page ?? 1;
+    const pageSize = query.pageSize ?? 20;
+    const where: Prisma.StoreWithdrawRequestWhereInput = { storeId };
+    if (query.status) {
+      where.status = query.status as 'PENDING_REVIEW' | 'REJECTED' | 'PAID';
+    }
+    const [items, total] = await Promise.all([
+      this.prisma.storeWithdrawRequest.findMany({
+        where,
+        orderBy: { appliedAt: 'desc' },
+        skip: (page - 1) * pageSize,
+        take: pageSize,
+      }),
+      this.prisma.storeWithdrawRequest.count({ where }),
+    ]);
+    return serializeBigInt({ items, total, page, pageSize });
+  }
+
+  async listAdminStoreWithdrawals(query: {
+    page?: number;
+    pageSize?: number;
+    status?: string;
+    storeId?: string;
+    dateFrom?: string;
+    dateTo?: string;
+  }) {
+    const page = query.page ?? 1;
+    const pageSize = query.pageSize ?? 20;
+    const where: Prisma.StoreWithdrawRequestWhereInput = {};
+    if (query.status) {
+      where.status = query.status as 'PENDING_REVIEW' | 'REJECTED' | 'PAID';
+    }
+    if (query.storeId) where.storeId = BigInt(query.storeId);
+    if (query.dateFrom || query.dateTo) {
+      where.appliedAt = {};
+      if (query.dateFrom) where.appliedAt.gte = new Date(query.dateFrom);
+      if (query.dateTo) {
+        const end = new Date(query.dateTo);
+        end.setHours(23, 59, 59, 999);
+        where.appliedAt.lte = end;
+      }
+    }
+
+    const [items, total, aggregates] = await Promise.all([
+      this.prisma.storeWithdrawRequest.findMany({
+        where,
+        orderBy: [{ appliedAt: 'desc' }, { id: 'desc' }],
+        skip: (page - 1) * pageSize,
+        take: pageSize,
+        include: {
+          store: { select: { id: true, name: true, cityName: true, phone: true } },
+        },
+      }),
+      this.prisma.storeWithdrawRequest.count({ where }),
+      this.prisma.storeWithdrawRequest.aggregate({
+        where,
+        _sum: { amount: true },
+        _count: true,
+      }),
+    ]);
+
+    const now = new Date();
+    const mapped = items.map((row) => ({
+      ...row,
+      overdue:
+        row.status === 'PENDING_REVIEW' ? isWithdrawOverdue(row.appliedAt, now) : false,
+    }));
+
+    return serializeBigInt({
+      items: mapped,
+      total,
+      page,
+      pageSize,
+      summary: {
+        count: aggregates._count,
+        totalAmount: Number(aggregates._sum.amount ?? 0),
+      },
+    });
+  }
+
+  async getAdminStoreWithdrawal(id: bigint) {
+    const row = await this.prisma.storeWithdrawRequest.findUnique({
+      where: { id },
+      include: {
+        store: {
+          select: {
+            id: true,
+            name: true,
+            cityName: true,
+            phone: true,
+            withdrawWhitelistEnabled: true,
+          },
+        },
+        storeAccount: {
+          select: {
+            id: true,
+            name: true,
+            phone: true,
+            bankAccountName: true,
+            bankAccountNo: true,
+            bankBranch: true,
+          },
+        },
+        items: {
+          include: {
+            storePayout: {
+              include: {
+                redeemRecord: { select: { redeemNo: true, amount: true, createdAt: true } },
+              },
+            },
+          },
+        },
+      },
+    });
+    if (!row) throw new NotFoundException('提现申请不存在');
+    return serializeBigInt({
+      ...row,
+      overdue:
+        row.status === 'PENDING_REVIEW' ? isWithdrawOverdue(row.appliedAt) : false,
+    });
+  }
+
+  async approveStoreWithdraw(
+    id: bigint,
+    hqAccountId: bigint,
+    dto?: { paymentRef?: string },
+  ) {
+    const row = await this.prisma.storeWithdrawRequest.findUnique({
+      where: { id },
+      include: { items: { select: { storePayoutId: true } } },
+    });
+    if (!row) throw new NotFoundException('提现申请不存在');
+    if (row.status !== 'PENDING_REVIEW') {
+      throw new BadRequestException('仅待审核提现可审核通过');
+    }
+
+    const paidAt = new Date();
+    const updated = await this.prisma.$transaction(async (tx) => {
+      const req = await tx.storeWithdrawRequest.update({
+        where: { id },
+        data: {
+          status: 'PAID',
+          reviewedAt: paidAt,
+          reviewedByHqId: hqAccountId,
+          paidAt,
+          paymentRef: dto?.paymentRef?.trim() || null,
+        },
+      });
+      await tx.storePayout.updateMany({
+        where: {
+          id: { in: row.items.map((i) => i.storePayoutId) },
+          status: 'PENDING',
+        },
+        data: { status: 'PAID', paidAt },
+      });
+      return req;
+    });
+
+    this.analyticsService.trackStoreOneSafe(undefined, 'HQ_WEB', {
+      storeId: row.storeId,
+      eventName: 'store_withdraw_paid',
+      refType: 'STORE_WITHDRAW',
+      refId: id,
+      extraJson: {
+        amount: Number(row.amount),
+        paymentRef: dto?.paymentRef,
+      },
+    });
+
+    return serializeBigInt(updated);
+  }
+
+  async rejectStoreWithdraw(id: bigint, hqAccountId: bigint, reason: string) {
+    const row = await this.prisma.storeWithdrawRequest.findUnique({
+      where: { id },
+    });
+    if (!row) throw new NotFoundException('提现申请不存在');
+    if (row.status !== 'PENDING_REVIEW') {
+      throw new BadRequestException('仅待审核提现可驳回');
+    }
+    const rejectReason = reason.trim();
+    if (!rejectReason) throw new BadRequestException('请填写驳回理由');
+
+    const updated = await this.prisma.$transaction(async (tx) => {
+      const req = await tx.storeWithdrawRequest.update({
+        where: { id },
+        data: {
+          status: 'REJECTED',
+          rejectReason,
+          reviewedAt: new Date(),
+          reviewedByHqId: hqAccountId,
+        },
+      });
+      // 释放 payout 锁定，允许再次提现
+      await tx.storeWithdrawPayoutItem.deleteMany({ where: { withdrawRequestId: id } });
+      return req;
+    });
+
+    return serializeBigInt(updated);
+  }
+
+  async getStoreWithdrawOverdueSummary() {
+    const pending = await this.prisma.storeWithdrawRequest.findMany({
+      where: { status: 'PENDING_REVIEW' },
+      select: { id: true, appliedAt: true, amount: true },
+    });
+    const now = new Date();
+    const overdue = pending.filter((r) => isWithdrawOverdue(r.appliedAt, now));
+    return {
+      pendingCount: pending.length,
+      overdueCount: overdue.length,
+      overdueAmount: round2(overdue.reduce((s, r) => s + Number(r.amount), 0)),
+      pendingAmount: round2(pending.reduce((s, r) => s + Number(r.amount), 0)),
+    };
+  }
+
+  /** FIN-003：工作日 18:00 扫描超时未审提现 */
+  async scanOverdueStoreWithdrawals() {
+    const summary = await this.getStoreWithdrawOverdueSummary();
+    return summary;
+  }
+
   async listAdminStorePayouts(query: {
     page?: number;
     pageSize?: number;
@@ -277,6 +743,9 @@ export class SettlementService {
       where: {
         storeBillId: null,
         createdAt: { gte: start, lt: end },
+        // 排除已锁定在待审提现单中的明细，避免出账与提现双占
+        withdrawItem: null,
+        status: 'PENDING',
       },
       include: { store: { select: { id: true, settlementRate: true } } },
     });