已完成用户APP首期功能开发

交付用户端首期页面、配套接口、后台资源及测试文档。用户APP构建、静态分析和三个管理后台构建通过；完整测试仍有2项失败，后端模型注释检查未通过，详见交付记录。

apps/user_app/lib/domain/models/client_models.dart

@@ -20,31 +20,54 @@ class UserProfile {
     required this.name,
     required this.phone,
     required this.avatar,
+    this.realName = '',
   });
 
   final String identity;
   final String name;
   final String phone;
   final String avatar;
+  final String realName;
 
   factory UserProfile.fromJson(Map<String, Object?> json) => UserProfile(
     identity: json['identity'] as String? ?? '',
     name: json['name'] as String? ?? '',
     phone: json['phone'] as String? ?? '',
     avatar: json['avatar'] as String? ?? '',
+    realName: json['real_name'] as String? ?? '',
   );
 }
 
 class WalletSummary {
-  const WalletSummary({required this.balance, required this.withdrawalBalance});
+  const WalletSummary({
+    required this.balance,
+    required this.withdrawalBalance,
+    this.paymentPasswordSet,
+  });
 
   final int balance;
   final int withdrawalBalance;
+  // 缺少状态时保持未知，不能误当作未设置支付密码。
+  final bool? paymentPasswordSet;
 
   factory WalletSummary.fromJson(Map<String, Object?> json) => WalletSummary(
     balance: (json['balance'] as num?)?.toInt() ?? 0,
     withdrawalBalance: (json['withdrawal_balance'] as num?)?.toInt() ?? 0,
+    paymentPasswordSet: json['payment_password_set'] as bool?,
   );
 }
 
+/// 手机验证码申请结果，明确区分请求建立与短信已发送。
+class PaymentCodeRequest {
+  const PaymentCodeRequest({
+    required this.identity,
+    required this.delivered,
+    required this.maskedPhone,
+    required this.retryAfter,
+  });
+  final String identity, maskedPhone;
+  final bool delivered;
+  final int retryAfter;
+}
+
 String moneyText(int cents) => '¥${(cents / 100).toStringAsFixed(2)}';