feat(wallet): 钱包系统替代配额系统，新增支付与退款机制

- 新增钱包余额管理、充值、扣费、退款完整流程
- 新增支付网关抽象层（支持手动/支付宝/微信）
- 用量计费从配额系统迁移到钱包余额扣费
- 新增管理员钱包管理与支付订单管理页面
- 新增用户钱包中心页面
- 移除独立 Key 锁定机制，统一由钱包余额控制
- 新增相关 API 路由、序列化器与数据库迁移
- 新增钱包、支付、退款相关测试

frontend/src/features/api-keys/components/StandaloneKeyFormDialog.vue

@@ -22,7 +22,7 @@
               {{ isEditMode ? '编辑独立余额 API Key' : '创建独立余额 API Key' }}
             </h3>
             <p class="text-xs text-muted-foreground">
-              {{ isEditMode ? '修改密钥名称、有效期和访问限制' : '用于非注册用户调用接口，不关联用户配额，必须设置余额限制' }}
+              {{ isEditMode ? '修改密钥名称、有效期和访问限制' : '用于非注册用户调用接口，可设置初始余额或无限制额度' }}
             </p>
           </div>
         </div>
@@ -34,7 +34,6 @@
         <!-- 左侧：基础设置 -->
         <div class="pr-6 space-y-4">
           <div class="flex items-center gap-2 pb-2 border-b border-border/60">
-            <Key class="h-4 w-4 text-muted-foreground" />
             <span class="text-sm font-medium">基础设置</span>
           </div>
 
@@ -52,31 +51,6 @@
             />
           </div>
 
-          <!-- 初始余额 - 仅创建模式显示 -->
-          <div
-            v-if="!isEditMode"
-            class="space-y-2"
-          >
-            <Label
-              for="form-balance"
-              class="text-sm font-medium"
-            >初始余额 (USD) <span class="text-rose-500">*</span></Label>
-            <Input
-              id="form-balance"
-              :model-value="form.initial_balance_usd ?? ''"
-              type="number"
-              step="0.01"
-              min="0.01"
-              required
-              placeholder="10.00"
-              class="h-10"
-              @update:model-value="(v) => form.initial_balance_usd = parseNumberInput(v, { allowFloat: true }) ?? 10"
-            />
-            <p class="text-xs text-muted-foreground">
-              独立Key必须设置余额限制，最小值 $0.01
-            </p>
-          </div>
-
           <div class="space-y-2">
             <Label
               for="form-expires-at"
@@ -137,12 +111,49 @@
               @update:model-value="(v) => form.rate_limit = parseNumberInput(v, { min: 1, max: 10000 })"
             />
           </div>
+
+          <div class="space-y-2">
+            <Label class="text-sm font-medium">无限制额度</Label>
+            <div class="flex items-center gap-3">
+              <Switch v-model="form.unlimited_balance" />
+              <div class="flex flex-col">
+                <span class="text-sm text-foreground">
+                  {{ form.unlimited_balance ? '已启用' : '已关闭' }}
+                </span>
+                <span class="text-xs text-muted-foreground">
+                  {{ form.unlimited_balance ? '无限制：忽略钱包余额校验' : '有限制：按钱包余额校验' }}
+                </span>
+              </div>
+            </div>
+          </div>
+
+          <div
+            v-if="!isEditMode && !form.unlimited_balance"
+            class="space-y-2"
+          >
+            <Label
+              for="form-balance"
+              class="text-sm font-medium"
+            >初始余额 (USD) <span class="text-rose-500">*</span></Label>
+            <Input
+              id="form-balance"
+              :model-value="form.initial_balance_usd ?? ''"
+              type="number"
+              step="0.01"
+              min="0.01"
+              placeholder="10.00"
+              class="h-10"
+              @update:model-value="(v) => form.initial_balance_usd = parseNumberInput(v, { allowFloat: true, min: 0.01 })"
+            />
+            <p class="text-xs text-muted-foreground">
+              最小值 $0.01
+            </p>
+          </div>
         </div>
 
         <!-- 右侧：访问限制 -->
         <div class="pl-6 space-y-4 border-l border-border">
           <div class="flex items-center gap-2 pb-2 border-b border-border/60">
-            <Shield class="h-4 w-4 text-muted-foreground" />
             <span class="text-sm font-medium">访问限制</span>
             <span class="text-xs text-muted-foreground">(留空不限)</span>
           </div>
@@ -279,8 +290,9 @@ import {
   Button,
   Input,
   Label,
+  Switch,
 } from '@/components/ui'
-import { Plus, SquarePen, Key, Shield, ChevronDown, X } from 'lucide-vue-next'
+import { Plus, SquarePen, ChevronDown, X } from 'lucide-vue-next'
 import { useFormDialog } from '@/composables/useFormDialog'
 import { ModelMultiSelect } from '@/components/common'
 import { getProvidersSummary } from '@/api/endpoints/providers'
@@ -294,6 +306,7 @@ export interface StandaloneKeyFormData {
   id?: string
   name: string
   initial_balance_usd?: number
+  unlimited_balance?: boolean
   expires_at?: string  // ISO 日期字符串，如 "2025-12-31"，undefined = 永不过期
   rate_limit?: number
   auto_delete_on_expiry: boolean
@@ -328,6 +341,7 @@ const allApiFormats = ref<string[]>([])
 const form = ref<StandaloneKeyFormData>({
   name: '',
   initial_balance_usd: 10,
+  unlimited_balance: false,
   expires_at: undefined,
   rate_limit: undefined,
   auto_delete_on_expiry: false,
@@ -347,6 +361,7 @@ function resetForm() {
   form.value = {
     name: '',
     initial_balance_usd: 10,
+    unlimited_balance: false,
     expires_at: undefined,
     rate_limit: undefined,
     auto_delete_on_expiry: false,
@@ -364,6 +379,7 @@ function loadKeyData() {
     id: props.apiKey.id,
     name: props.apiKey.name || '',
     initial_balance_usd: props.apiKey.initial_balance_usd,
+    unlimited_balance: props.apiKey.initial_balance_usd == null,
     expires_at: props.apiKey.expires_at,
     rate_limit: props.apiKey.rate_limit,
     auto_delete_on_expiry: props.apiKey.auto_delete_on_expiry,
@@ -432,6 +448,17 @@ watch(isOpen, (val) => {
   }
 })
 
+watch(
+  () => form.value.unlimited_balance,
+  (unlimited) => {
+    if (unlimited) {
+      form.value.initial_balance_usd = undefined
+    } else if (form.value.initial_balance_usd == null) {
+      form.value.initial_balance_usd = 10
+    }
+  }
+)
+
 defineExpose({
   setSaving
 })

frontend/src/features/users/components/UserFormDialog.vue

@@ -142,51 +142,16 @@
             />
           </div>
 
-          <div class="space-y-2">
-            <Label
-              for="form-quota"
-              class="text-sm font-medium"
-            >配额(美元)</Label>
-            <div class="flex items-center space-x-3">
-              <Input
-                id="form-quota"
-                v-model.number="form.quota"
-                type="number"
-                step="0.01"
-                min="0"
-                max="10000"
-                :placeholder="isEditMode ? '10' : '使用系统默认'"
-                :disabled="form.unlimited"
-                :class="form.unlimited ? 'flex-1 h-10 opacity-50' : 'flex-1 h-10'"
-              />
-              <div class="flex items-center justify-center gap-2 border rounded-lg px-3 py-2 bg-muted/50 w-24">
-                <input
-                  id="form-unlimited"
-                  v-model="form.unlimited"
-                  type="checkbox"
-                  class="h-4 w-4 rounded border-gray-300 cursor-pointer"
-                >
-                <Label
-                  for="form-unlimited"
-                  class="whitespace-nowrap cursor-pointer text-sm"
-                >无限制</Label>
-              </div>
-            </div>
-          </div>
-
           <div class="space-y-2">
             <Label
               for="form-role"
               class="text-sm font-medium"
             >用户角色</Label>
-            <div class="flex items-center gap-3">
-              <Select
-                v-model="form.role"
-                class="flex-1"
-              >
+            <div class="w-full">
+              <Select v-model="form.role">
                 <SelectTrigger
                   id="form-role"
-                  class="h-10"
+                  class="h-10 w-full text-sm"
                 >
                   <SelectValue />
                 </SelectTrigger>
@@ -199,20 +164,29 @@
                   </SelectItem>
                 </SelectContent>
               </Select>
-              <div
-                v-if="!isEditMode"
-                class="flex items-center justify-center gap-2 border rounded-lg px-3 py-2 bg-muted/50 w-24"
-              >
-                <input
-                  id="form-active"
-                  v-model="form.is_active"
-                  type="checkbox"
-                  class="h-4 w-4 rounded border-gray-300 cursor-pointer"
-                >
-                <Label
-                  for="form-active"
-                  class="whitespace-nowrap cursor-pointer text-sm"
-                >启用用户</Label>
+            </div>
+          </div>
+
+          <div
+            v-if="!isEditMode"
+            class="space-y-2"
+          >
+            <Label
+              for="form-active"
+              class="text-sm font-medium"
+            >启用用户</Label>
+            <div class="flex items-center gap-3">
+              <Switch
+                id="form-active"
+                v-model="form.is_active"
+              />
+              <div class="flex flex-col">
+                <span class="text-sm text-foreground">
+                  {{ form.is_active ? '已启用' : '已禁用' }}
+                </span>
+                <span class="text-xs text-muted-foreground">
+                  {{ form.is_active ? '允许登录与请求' : '阻止登录与请求' }}
+                </span>
               </div>
             </div>
           </div>
@@ -332,6 +306,44 @@
             v-model="form.allowed_models"
             :models="globalModels"
           />
+
+          <div class="space-y-2">
+            <Label class="text-sm font-medium">无限制额度</Label>
+            <div class="flex items-center gap-3">
+              <Switch v-model="form.unlimited" />
+              <div class="flex flex-col">
+                <span class="text-sm text-foreground">
+                  {{ form.unlimited ? '已启用' : '已关闭' }}
+                </span>
+                <span class="text-xs text-muted-foreground">
+                  {{ form.unlimited ? '无限制：忽略钱包余额校验' : '有限制：按钱包余额校验' }}
+                </span>
+              </div>
+            </div>
+          </div>
+
+          <div
+            v-if="!isEditMode && !form.unlimited"
+            class="space-y-2"
+          >
+            <Label
+              for="form-initial-gift"
+              class="text-sm font-medium"
+            >初始赠款额度 (USD) <span class="text-muted-foreground">*</span></Label>
+            <Input
+              id="form-initial-gift"
+              :model-value="form.initial_gift_usd ?? ''"
+              type="number"
+              step="0.01"
+              min="0.01"
+              placeholder="10.00"
+              class="h-10"
+              @update:model-value="(v) => form.initial_gift_usd = parseNumberInput(v, { allowFloat: true, min: 0.01 })"
+            />
+            <p class="text-xs text-muted-foreground">
+              最小值 $0.01
+            </p>
+          </div>
         </div>
       </div>
     </form>
@@ -363,6 +375,7 @@ import {
   Button,
   Input,
   Label,
+  Switch,
   Select,
   SelectTrigger,
   SelectValue,
@@ -376,13 +389,15 @@ import { getProvidersSummary } from '@/api/endpoints/providers'
 import { getGlobalModels } from '@/api/global-models'
 import { adminApi } from '@/api/admin'
 import { log } from '@/utils/logger'
+import { parseNumberInput } from '@/utils/form'
 import type { ProviderWithEndpointsSummary, GlobalModelResponse } from '@/api/endpoints/types'
 
 export interface UserFormData {
   id?: string
   username: string
   email: string
-  quota_usd?: number | null
+  initial_gift_usd?: number | null
+  unlimited?: boolean
   role: 'admin' | 'user'
   is_active?: boolean
   allowed_providers?: string[] | null
@@ -397,7 +412,7 @@ const props = defineProps<{
 
 const emit = defineEmits<{
   close: []
-  submit: [data: UserFormData & { password?: string }]
+  submit: [data: UserFormData & { password?: string; unlimited?: boolean }]
 }>()
 
 const isOpen = computed(() => props.open)
@@ -420,7 +435,7 @@ const form = ref({
   password: '',
   confirmPassword: '',
   email: '',
-  quota: null as number | null,
+  initial_gift_usd: 10 as number | undefined,
   role: 'user' as 'admin' | 'user',
   unlimited: false,
   is_active: true,
@@ -441,7 +456,7 @@ function resetForm() {
     password: '',
     confirmPassword: '',
     email: '',
-    quota: null,
+    initial_gift_usd: 10,
     role: 'user',
     unlimited: false,
     is_active: true,
@@ -461,9 +476,9 @@ function loadUserData() {
     password: '',
     confirmPassword: '',
     email: props.user.email || '',
-    quota: props.user.quota_usd == null ? 10 : props.user.quota_usd,
+    initial_gift_usd: undefined,
     role: props.user.role,
-    unlimited: props.user.quota_usd == null,
+    unlimited: props.user.unlimited ?? false,
     is_active: props.user.is_active ?? true,
     allowed_providers: [...(props.user.allowed_providers || [])],
     allowed_api_formats: [...(props.user.allowed_api_formats || [])],
@@ -491,16 +506,33 @@ const usernameError = computed(() => {
   return ''
 })
 
+function getPasswordValidationError(password: string): string | null {
+  if (password.length < 8) return '密码长度至少为8个字符'
+  if (!/[A-Z]/.test(password)) return '密码必须包含至少一个大写字母'
+  if (!/[a-z]/.test(password)) return '密码必须包含至少一个小写字母'
+  if (!/[0-9]/.test(password)) return '密码必须包含至少一个数字'
+  return null
+}
+
 // 表单验证
 const isFormValid = computed(() => {
   const hasUsername = form.value.username.trim().length > 0
   const usernameValid = !usernameError.value
-  const hasPassword = isEditMode.value || form.value.password.length >= 6
-  // 编辑模式下如果填写了密码，必须确认密码一致
-  const passwordConfirmed = !isEditMode.value || form.value.password.length === 0 || form.value.password === form.value.confirmPassword
-  return hasUsername && usernameValid && hasPassword && passwordConfirmed
+  const passwordFilled = form.value.password.length > 0
+  const passwordValid = passwordFilled
+    ? !getPasswordValidationError(form.value.password)
+    : isEditMode.value
+  // 编辑模式下可留空；填写时必须确认一致。创建模式不展示确认输入框。
+  const passwordConfirmed = isEditMode.value
+    ? !passwordFilled || form.value.password === form.value.confirmPassword
+    : true
+  const initialGiftValid = isEditMode.value ||
+    form.value.unlimited ||
+    (typeof form.value.initial_gift_usd === 'number' && form.value.initial_gift_usd >= 0.01)
+  return hasUsername && usernameValid && passwordValid && passwordConfirmed && initialGiftValid
 })
 
+
 // 加载访问控制选项
 async function loadAccessControlOptions(): Promise<void> {
   try {
@@ -532,27 +564,25 @@ function toggleSelection(field: 'allowed_providers' | 'allowed_api_formats' | 'a
 async function handleSubmit() {
   saving.value = true
   try {
-    const data: UserFormData & { password?: string; unlimited?: boolean } = {
+    const data: UserFormData & { password?: string; unlimited: boolean } = {
       username: form.value.username,
       email: form.value.email.trim() || '',
-      quota_usd: form.value.unlimited ? null : form.value.quota,
+      unlimited: form.value.unlimited,
       role: form.value.role,
       allowed_providers: form.value.allowed_providers.length > 0 ? form.value.allowed_providers : null,
       allowed_api_formats: form.value.allowed_api_formats.length > 0 ? form.value.allowed_api_formats : null,
       allowed_models: form.value.allowed_models.length > 0 ? form.value.allowed_models : null
     }
 
-    // 创建模式下传递 unlimited 字段
-    if (!isEditMode.value) {
-      data.unlimited = form.value.unlimited
-    }
-
     if (isEditMode.value && props.user?.id) {
       data.id = props.user.id
     }
 
     if (!isEditMode.value) {
       data.is_active = form.value.is_active
+      if (!form.value.unlimited && form.value.initial_gift_usd != null) {
+        data.initial_gift_usd = form.value.initial_gift_usd
+      }
     }
 
     if (form.value.password) {
@@ -580,6 +610,20 @@ watch(isOpen, (val) => {
   }
 })
 
+watch(
+  () => form.value.unlimited,
+  (unlimited) => {
+    if (isEditMode.value) {
+      return
+    }
+    if (unlimited) {
+      form.value.initial_gift_usd = undefined
+    } else if (form.value.initial_gift_usd == null) {
+      form.value.initial_gift_usd = 10
+    }
+  }
+)
+
 defineExpose({
   setSaving
 })