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。

backend/api/internal/logic/common/recharge_options.go

@@ -0,0 +1,51 @@
+// 功能描述：充值限额、渠道配置就绪状态及已发布充值协议；版本：1.0.0。
+package common
+
+import (
+	"os"
+
+	"git.apinb.com/bsm-sdk/core/infra"
+	"git.apinb.com/heqiapp/platforms/backend/api/internal/config"
+	"git.apinb.com/heqiapp/platforms/backend/api/internal/impl"
+	"git.apinb.com/heqiapp/platforms/backend/api/internal/models"
+	"github.com/gin-gonic/gin"
+	"gorm.io/gorm"
+)
+
+// rechargeFileReady 仅检查渠道配置文件是否存在，不读取或返回私钥内容。
+func rechargeFileReady(path string) bool {
+	if path == "" {
+		return false
+	}
+	info, err := os.Stat(path)
+	return err == nil && !info.IsDir()
+}
+
+// GetRechargeOptions 不提供Mock支付，不将配置存在等同于渠道支付一定成功。
+func GetRechargeOptions(client string) gin.HandlerFunc {
+	return func(ctx *gin.Context) {
+		if _, ok := currentOwner(ctx, client); !ok {
+			return
+		}
+		ali, wx := config.Spec.Payment.Alipay, config.Spec.Payment.Wechat
+		alipayReady := ali.Enabled && ali.AppID != "" && ali.NotifyURL != "" &&
+			rechargeFileReady(ali.PrivateKeyPath) && rechargeFileReady(ali.AppPublicCertPath) &&
+			rechargeFileReady(ali.AlipayPublicCertPath) && rechargeFileReady(ali.AlipayRootCertPath)
+		wechatReady := wx.Enabled && wx.MerchantID != "" && wx.MerchantCertificateSerial != "" &&
+			len(wx.APIv3Key) == 32 && wx.AppAppID != "" && wx.NotifyURL != "" && rechargeFileReady(wx.MerchantPrivateKeyPath)
+		response := gin.H{"min_amount": 1, "max_amount": config.Spec.Global.ManualRechargeMaxAmount,
+			"channels": []gin.H{{"channel": "wechat", "app": wechatReady, "wap": false},
+				{"channel": "alipay", "app": alipayReady, "wap": alipayReady}}}
+		var agreement models.CmsContent
+		err := impl.DBService.Where("content_type = ? AND title = ? AND publish_status = ? AND status = ?",
+			"agreement", "充值协议", "published", StatusEnable).Order("version_no desc, id desc").First(&agreement).Error
+		if err != nil && err != gorm.ErrRecordNotFound {
+			infra.Response.Error(ctx, err)
+			return
+		}
+		if err == nil && agreement.Body != "" {
+			response["agreement"] = gin.H{"identity": agreement.Identity, "version": agreement.VersionNo, "title": agreement.Title, "body": agreement.Body}
+		}
+		infra.Response.Success(ctx, response)
+	}
+}