feat(withdraw): 后台支持提现总开关与方式过滤并升级钱包与提现页面体验

addons/shopro/controller/Index.php

@@ -69,6 +69,7 @@ class Index extends Common
                 'bind_mobile' => $platformConfig['bind_mobile'] ?? 0,
                 'payment' => $platformConfig['payment']['methods'],
                 'recharge_payment' => sheep_config('shop.recharge_withdraw.recharge.methods'),      // 充值支持的支付方式
+                'withdraw_status' => (bool)(intval(sheep_config('shop.recharge_withdraw.withdraw.status', !empty(sheep_config('shop.recharge_withdraw.withdraw.methods', [])) ? 1 : 0)) && !empty(sheep_config('shop.recharge_withdraw.withdraw.methods', []))),
                 'share' => $platformConfig['share'],
             ],
             'template' => $template,

addons/shopro/service/Withdraw.php

@@ -13,6 +13,10 @@ use app\admin\model\shopro\ThirdOauth;
 use addons\shopro\service\Wallet as WalletService;
 use addons\shopro\library\pay\PayService;
 use app\admin\model\shopro\user\User;
+use addons\shopro\service\partner\PartnerConfig;
+use addons\shopro\service\partner\RateService;
+use addons\shopro\service\partner\PartnerRewardService;
+use app\admin\model\shopro\commission\Agent as AgentModel;
 
 class Withdraw
 {
@@ -33,6 +37,10 @@ class Withdraw
         // 提现规则
         $config = sheep_config('shop.recharge_withdraw.withdraw');
 
+        // 提现开关与是否允许提现综合状态
+        $config['status'] = isset($config['status']) ? intval($config['status']) : (!empty($config['methods']) ? 1 : 0);
+        $config['is_withdraw_open'] = (bool)($config['status'] === 1 && !empty($config['methods']));
+
         $config['min_amount'] = $config['min_amount'] == 0 ? $config['min_amount'] : number_format(floatval($config['min_amount']), 2, '.', '');
         $config['max_amount'] = $config['max_amount'] == 0 ? $config['max_amount'] : number_format(floatval($config['max_amount']), 2, '.', '');
         $config['charge_rate_format'] = round(floatval($config['charge_rate']), 1);      // 1 位小数
@@ -45,10 +53,15 @@ class Withdraw
     // 发起提现申请
     public function apply($params)
     {
-        $type = $params['type'];
+        $walletType = $params['wallet_type'] ?? 'commission';
+        $type = $params['type'] ?? '';
         $money = $params['money'] ?? 0;
         $money = (string)$money;
 
+        if ($walletType === 'madow') {
+            return $this->applyMadow($params, $type, $money);
+        }
+
         // 手续费
         $charge = bcmul($money, (string)$this->config['charge_rate'], 2);
 
@@ -83,6 +96,104 @@ class Withdraw
         return $withdraw;
     }
 
+    // 发起 dmepa 提现申请
+    protected function applyMadow($params, $type, $money)
+    {
+        if (!PartnerConfig::isMadowWithdrawEnabled()) {
+            throw new ShoproException('dmepa提现功能暂未开启');
+        }
+
+        if ($type !== 'bank') {
+            throw new ShoproException('dmepa提现仅支持银行卡转账');
+        }
+
+        if (floatval($money) <= 0) {
+            throw new ShoproException('请输入正确的提现金额');
+        }
+
+        $minAmount = PartnerConfig::madowWithdrawMin();
+        if ($minAmount > 0 && floatval($money) < $minAmount) {
+            throw new ShoproException('提现金额不能少于 ' . $minAmount . '元');
+        }
+
+        $rate = (new RateService())->currentRate();
+        if ($rate <= 0) {
+            throw new ShoproException('当前dmepa暂无有效市值汇率，无法发起提现');
+        }
+
+        // 计算需扣除的 dmepa = 金额 / 汇率
+        $rateStr = number_format($rate, 12, '.', '');
+        $deductMadow = function_exists('bcdiv') ? bcdiv($money, $rateStr, 4) : number_format(floatval($money) / $rate, 4, '.', '');
+        if (floatval($deductMadow) <= 0) {
+            throw new ShoproException('折算dmepa数量不足');
+        }
+
+        // 检查合伙人资产
+        $agent = AgentModel::where('user_id', $this->user->id)->lock(true)->find();
+        if (!$agent) {
+            throw new ShoproException('未找到您的合伙资产账户');
+        }
+
+        $currentMadow = strval($agent->madow ?? 0);
+        if (bccomp($currentMadow, $deductMadow, 4) < 0) {
+            throw new ShoproException('持仓dmepa不足，无法提现');
+        }
+
+        // 校验银行卡信息
+        $withdrawInfo = $this->getAccountInfo($type, $params);
+        $rateClean = rtrim(rtrim(number_format((float)$rate, 12, '.', ''), '0'), '.');
+        $moneyClean = number_format((float)$money, 2, '.', '');
+        $withdrawInfo['提现资产'] = 'DMEPA';
+        $withdrawInfo['扣除DMEPA'] = $deductMadow . ' DMEPA';
+        $withdrawInfo['市值汇率'] = '1 DMEPA ≈ ' . $rateClean . ' 元';
+        $withdrawInfo['换算市值'] = $moneyClean . ' 元';
+        $withdrawInfo['wallet_type'] = 'madow';
+        $withdrawInfo['madow_amount'] = $deductMadow;
+        $withdrawInfo['rate'] = $rate;
+
+        // 扣减 dmepa
+        $agent->setDec('madow', $deductMadow);
+
+        // 创建提现记录
+        $withdraw = new WithdrawModel();
+        $withdraw->user_id = $this->user->id;
+        $withdraw->amount = $money;
+        $withdraw->charge_fee = 0;
+        $withdraw->charge_rate = 0;
+        $withdraw->withdraw_sn = get_sn($this->user->id, 'W');
+        $withdraw->withdraw_type = 'bank';
+        $withdraw->withdraw_info = $withdrawInfo;
+        $withdraw->status = 0;
+        $withdraw->platform = request()->header('platform');
+        $withdraw->save();
+
+        // 记录合伙人流水
+        PartnerRewardService::write([
+            'order_id' => -$withdraw->id,
+            'buyer_id' => $this->user->id,
+            'user_id' => $this->user->id,
+            'role' => 'partner',
+            'reward_type' => 'madow_withdraw',
+            'amount' => -$money,
+            'madow' => -$deductMadow,
+            'base_amount' => $money,
+            'rate' => $rate,
+            'ext' => [
+                'withdraw_sn' => $withdraw->withdraw_sn,
+                'withdraw_id' => $withdraw->id,
+                'deduct_madow' => $deductMadow,
+                'cny_amount' => $money,
+                'rate' => $rate,
+            ],
+            'settle_date' => date('Y-m-d'),
+            'status' => 1,
+        ]);
+
+        $this->handleLog($withdraw, '用户发起dmepa提现申请（扣除 ' . $deductMadow . ' dmepa）', $this->user);
+
+        return $withdraw;
+    }
+
 
     // 继续提现
     public function retry($params)
@@ -256,6 +367,51 @@ class Withdraw
         $withdraw->status = -1;
         $withdraw->save();
 
+        if (!$this->user && !empty($withdraw->user_id)) {
+            $this->user = User::get($withdraw->user_id);
+        }
+        $userId = $this->user ? $this->user->id : intval($withdraw->user_id);
+
+        $info = $withdraw->withdraw_info;
+        if (is_string($info)) {
+            $info = json_decode($info, true) ?: [];
+        }
+        $isMadow = (isset($info['wallet_type']) && $info['wallet_type'] === 'madow') 
+                   || (isset($info['提现资产']) && strcasecmp($info['提现资产'], 'dmepa') === 0);
+
+        if ($isMadow) {
+            $madowRefund = $info['madow_amount'] ?? ($info['扣除DMEPA'] ?? ($info['扣除dmepa'] ?? 0));
+            if (is_string($madowRefund)) {
+                $madowRefund = trim(str_ireplace(['dmepa', ' '], '', $madowRefund));
+            }
+            if (floatval($madowRefund) > 0) {
+                $agent = AgentModel::where('user_id', $userId)->lock(true)->find();
+                if ($agent) {
+                    $agent->setInc('madow', $madowRefund);
+                }
+                PartnerRewardService::write([
+                    'order_id' => -$withdraw->id,
+                    'buyer_id' => $userId,
+                    'user_id' => $userId,
+                    'role' => 'partner',
+                    'reward_type' => 'madow_withdraw_refund',
+                    'amount' => $withdraw->amount,
+                    'madow' => $madowRefund,
+                    'base_amount' => $withdraw->amount,
+                    'rate' => $info['rate'] ?? 0,
+                    'ext' => [
+                        'withdraw_sn' => $withdraw->withdraw_sn,
+                        'withdraw_id' => $withdraw->id,
+                        'refund_madow' => $madowRefund,
+                        'refuse_msg' => $refuse_msg,
+                    ],
+                    'settle_date' => date('Y-m-d'),
+                    'status' => 1,
+                ]);
+            }
+            return $this->handleLog($withdraw, '拒绝:' . $refuse_msg . '，已退还扣除的 ' . $madowRefund . ' dmepa');
+        }
+
         // 退回用户佣金
         WalletService::change($this->user, 'commission', bcadd($withdraw->charge_fee, $withdraw->amount, 2), 'withdraw_error', [
             'withdraw_id' => $withdraw->id,
@@ -277,6 +433,51 @@ class Withdraw
         $withdraw->status = $status;
         $withdraw->save();
 
+        if (!$this->user && !empty($withdraw->user_id)) {
+            $this->user = User::get($withdraw->user_id);
+        }
+        $userId = $this->user ? $this->user->id : intval($withdraw->user_id);
+
+        $info = $withdraw->withdraw_info;
+        if (is_string($info)) {
+            $info = json_decode($info, true) ?: [];
+        }
+        $isMadow = (isset($info['wallet_type']) && $info['wallet_type'] === 'madow') 
+                   || (isset($info['提现资产']) && strcasecmp($info['提现资产'], 'dmepa') === 0);
+
+        if ($isMadow) {
+            $madowRefund = $info['madow_amount'] ?? ($info['扣除DMEPA'] ?? ($info['扣除dmepa'] ?? 0));
+            if (is_string($madowRefund)) {
+                $madowRefund = trim(str_ireplace(['dmepa', ' '], '', $madowRefund));
+            }
+            if (floatval($madowRefund) > 0) {
+                $agent = AgentModel::where('user_id', $userId)->lock(true)->find();
+                if ($agent) {
+                    $agent->setInc('madow', $madowRefund);
+                }
+                PartnerRewardService::write([
+                    'order_id' => -$withdraw->id,
+                    'buyer_id' => $userId,
+                    'user_id' => $userId,
+                    'role' => 'partner',
+                    'reward_type' => 'madow_withdraw_refund',
+                    'amount' => $withdraw->amount,
+                    'madow' => $madowRefund,
+                    'base_amount' => $withdraw->amount,
+                    'rate' => $info['rate'] ?? 0,
+                    'ext' => [
+                        'withdraw_sn' => $withdraw->withdraw_sn,
+                        'withdraw_id' => $withdraw->id,
+                        'refund_madow' => $madowRefund,
+                        'fail_msg' => $refuse_msg,
+                    ],
+                    'settle_date' => date('Y-m-d'),
+                    'status' => 1,
+                ]);
+            }
+            return $this->handleLog($withdraw, '提现失败，已退还 ' . $madowRefund . ' dmepa:' . $refuse_msg);
+        }
+
         // 退回用户佣金
         WalletService::change($this->user, 'commission', bcadd($withdraw->charge_fee, $withdraw->amount, 2), 'withdraw_error', [
             'withdraw_id' => $withdraw->id,
@@ -412,6 +613,14 @@ class Withdraw
     // 提现条件检查
     private function checkApply($type, $money, $charge)
     {
+        if (isset($this->config['status']) && intval($this->config['status']) === 0) {
+            throw new ShoproException('系统提现功能已关闭');
+        }
+
+        if (empty($this->config['methods'])) {
+            throw new ShoproException('暂未开启任何提现方式');
+        }
+
         if (!in_array($type, $this->config['methods'])) {
             throw new ShoproException('暂不支持该提现方式');
         }

application/admin/controller/shopro/Config.php

@@ -195,21 +195,39 @@ class Config extends Common
             'partner_mode', 'partner_enable', 'partner_count_type', 'partner_active_days',
             'partner_chain_max_depth', 'partner_push3_amounts', 'partner_madow_mode',
             'partner_show_madow_rate',
-            'partner_madow_base_rate', 'partner_madow_step_orders', 'partner_voucher_times',
-            'partner_voucher_days', 'partner_maker_bonus', 'partner_maker_peer_rate',
+            'partner_madow_base_rate', 'partner_madow_step_orders',
+            'partner_madow_rule_title', 'partner_madow_rules',
+            'partner_madow_withdraw_enable', 'partner_madow_withdraw_min',
+            'partner_voucher_times', 'partner_voucher_days',
+            'partner_voucher_rule_title', 'partner_voucher_rules',
+            'partner_maker_bonus', 'partner_maker_peer_rate',
             'partner_maker_overtaken_rate', 'partner_team_total', 'partner_venue_split',
             'partner_county_full', 'partner_venue_share_per_order', 'partner_county_share_per_order',
             'partner_venue_peer_rate', 'partner_county_peer_rate',
             'partner_role_name_taster', 'partner_role_name_maker', 'partner_role_name_venue',
             'partner_role_name_county', 'partner_role_name_partner',
         ];
+        $ruleDefaults = [
+            'partner_madow_rule_title' => '市值与增值规则',
+            'partner_madow_rules' => [
+                ['title' => 'dmepa获取与核算', 'desc' => '平台合伙人与创客达成考核或完成订单后，系统将于次日 00:30 起统一参与每日dmepa加权核算并自动分发。'],
+                ['title' => '市值动态增值', 'desc' => '市值随全平台订单增加而上浮增值。全网完成订单总量越多，dmepa单价所对应的市值越高，共享生态红利。'],
+                ['title' => '价值说明与权益', 'desc' => '市值仅作为平台数字生态资产价值参考展示，不可直接兑换现金提现。具体权益按平台股东与合伙人章程执行。'],
+            ],
+            'partner_voucher_rule_title' => '兑换券释放与使用规则',
+            'partner_voucher_rules' => [
+                ['title' => '赠送与释放天数', 'desc' => '会员在平台完成符合条件的商城订单后，系统将按订单金额（默认 1.5 倍）生成兑换券计划，分 365 天按日线性释放。'],
+                ['title' => '每日自动到账', 'desc' => '系统将于次日 00:30 起统一执行日结核算，按期释放的兑换券将自动计入您的「可用兑换券」账户，无需手动领取。'],
+                ['title' => '全场购物直接抵扣', 'desc' => '可用兑换券可在平台商城下单结算时作为现金抵扣使用，尊享优惠抵扣权益。'],
+            ],
+        ];
         if ('GET' === $this->request->method()) {
             $all = ShoproConfig::getConfigs('shop.commission', false) ?: [];
             $configs = [];
             foreach ($keys as $key) {
                 $configs[$key] = $all[$key] ?? null;
             }
-            $defaults = [
+            $defaults = array_merge([
                 'partner_mode' => 1,
                 'partner_enable' => 1,
                 'partner_count_type' => 'order',
@@ -218,6 +236,8 @@ class Config extends Common
                 'partner_push3_amounts' => [398, 400, 600],
                 'partner_madow_mode' => 'madow',
                 'partner_show_madow_rate' => 1,
+                'partner_madow_withdraw_enable' => 1,
+                'partner_madow_withdraw_min' => 1,
                 'partner_madow_base_rate' => '0.00000075',
                 'partner_madow_step_orders' => 1,
                 'partner_voucher_times' => 1.5,
@@ -237,13 +257,23 @@ class Config extends Common
                 'partner_role_name_venue' => '酒道馆',
                 'partner_role_name_county' => '区县代理',
                 'partner_role_name_partner' => '合伙股东',
-            ];
+            ], $ruleDefaults);
             foreach ($defaults as $key => $value) {
                 if ($configs[$key] === null || $configs[$key] === '') {
                     $configs[$key] = $value;
                 }
             }
             $configs['partner_show_madow_rate'] = isset($configs['partner_show_madow_rate']) ? intval($configs['partner_show_madow_rate']) : 1;
+            $configs['partner_madow_withdraw_enable'] = isset($configs['partner_madow_withdraw_enable']) ? intval($configs['partner_madow_withdraw_enable']) : 1;
+            $configs['partner_madow_withdraw_min'] = isset($configs['partner_madow_withdraw_min']) ? floatval($configs['partner_madow_withdraw_min']) : 1.0;
+            foreach (['partner_madow_rules', 'partner_voucher_rules'] as $ruleKey) {
+                if (isset($configs[$ruleKey]) && is_string($configs[$ruleKey])) {
+                    $decoded = json_decode($configs[$ruleKey], true);
+                    if (is_array($decoded)) {
+                        $configs[$ruleKey] = $decoded;
+                    }
+                }
+            }
         } elseif ('POST' === $this->request->method()) {
             check_env('commission');
             $params = $this->request->param();
@@ -256,6 +286,12 @@ class Config extends Common
             if (isset($save['partner_show_madow_rate'])) {
                 $save['partner_show_madow_rate'] = intval($save['partner_show_madow_rate']);
             }
+            if (isset($save['partner_madow_withdraw_enable'])) {
+                $save['partner_madow_withdraw_enable'] = intval($save['partner_madow_withdraw_enable']);
+            }
+            if (isset($save['partner_madow_withdraw_min'])) {
+                $save['partner_madow_withdraw_min'] = max(0.0, floatval($save['partner_madow_withdraw_min']));
+            }
             // 确保数据库存在 partner_show_madow_rate 配置行
             $existConfig = ShoproConfig::where('code', 'shop.commission.partner_show_madow_rate')->find();
             if (!$existConfig) {
@@ -269,6 +305,29 @@ class Config extends Common
                     'weigh' => 86
                 ]);
             }
+            // 确保数据库存在规则条目等必要配置行
+            $ensureConfigs = [
+                'shop.commission.partner_madow_withdraw_enable' => ['name' => '开启dmepa提现', 'desc' => '1=开启 0=关闭', 'type' => 'int', 'value' => '1', 'weigh' => 86],
+                'shop.commission.partner_madow_withdraw_min' => ['name' => 'dmepa最低提现金额', 'desc' => 'dmepa最低提现金额（元）', 'type' => 'number', 'value' => '1', 'weigh' => 86],
+                'shop.commission.partner_madow_rule_title' => ['name' => 'dmepa规则弹窗标题', 'desc' => '我的dmepa市值规则弹窗标题', 'type' => 'string', 'value' => '市值与增值规则', 'weigh' => 86],
+                'shop.commission.partner_madow_rules' => ['name' => 'dmepa规则说明条目', 'desc' => '我的dmepa市值规则条目', 'type' => 'array', 'value' => json_encode($ruleDefaults['partner_madow_rules'], JSON_UNESCAPED_UNICODE), 'weigh' => 86],
+                'shop.commission.partner_voucher_rule_title' => ['name' => '兑换券规则弹窗标题', 'desc' => '兑换券规则弹窗标题', 'type' => 'string', 'value' => '兑换券释放与使用规则', 'weigh' => 89],
+                'shop.commission.partner_voucher_rules' => ['name' => '兑换券规则说明条目', 'desc' => '兑换券规则条目', 'type' => 'array', 'value' => json_encode($ruleDefaults['partner_voucher_rules'], JSON_UNESCAPED_UNICODE), 'weigh' => 89],
+            ];
+            foreach ($ensureConfigs as $confCode => $confMeta) {
+                $existConfig = ShoproConfig::where('code', $confCode)->find();
+                if (!$existConfig) {
+                    ShoproConfig::create([
+                        'code' => $confCode,
+                        'parent_code' => 'shop.commission',
+                        'name' => $confMeta['name'],
+                        'description' => $confMeta['desc'],
+                        'type' => $confMeta['type'],
+                        'value' => $confMeta['value'],
+                        'weigh' => $confMeta['weigh'],
+                    ]);
+                }
+            }
             foreach (['partner_role_name_taster', 'partner_role_name_maker', 'partner_role_name_venue', 'partner_role_name_county', 'partner_role_name_partner'] as $roleKey) {
                 if (isset($save[$roleKey])) {
                     $save[$roleKey] = trim((string) $save[$roleKey]);
@@ -346,6 +405,13 @@ class Config extends Common
         if ('GET' === $this->request->method()) {
 
             $configs = ShoproConfig::getConfigs('shop.recharge_withdraw', false);
+            if ($configs && isset($configs['withdraw'])) {
+                if (!isset($configs['withdraw']['status'])) {
+                    $configs['withdraw']['status'] = !empty($configs['withdraw']['methods']) ? 1 : 0;
+                } else {
+                    $configs['withdraw']['status'] = intval($configs['withdraw']['status']);
+                }
+            }
         } elseif ('POST' === $this->request->method()) {
             $params = $this->request->param();
             if (!isset($params['recharge']['methods'])) {
@@ -357,7 +423,15 @@ class Config extends Common
             if (!isset($params['withdraw']['methods'])) {
                 $params['withdraw']['methods'] = [];
             }
+            if (!isset($params['withdraw']['status'])) {
+                $params['withdraw']['status'] = 0;
+            } else {
+                $params['withdraw']['status'] = intval($params['withdraw']['status']);
+            }
             $configs = ShoproConfig::setConfigs('shop.recharge_withdraw', $params);
+            if ($configs && isset($configs['withdraw'])) {
+                $configs['withdraw']['status'] = isset($configs['withdraw']['status']) ? intval($configs['withdraw']['status']) : (!empty($configs['withdraw']['methods']) ? 1 : 0);
+            }
         }
         $this->success('操作成功', null, $configs);
     }

application/admin/model/shopro/Config.php

@@ -47,6 +47,9 @@ class Config extends Common
                     }
                     $config[self::getShortCode($row)] = $row->value;
                 }
+                if ($code === 'shop.recharge_withdraw.withdraw' && !isset($config['status'])) {
+                    $config['status'] = !empty($config['methods']) ? 1 : 0;
+                }
             }
             // 设置配置缓存
             cache("config:{$code}", $config);
@@ -124,6 +127,19 @@ class Config extends Common
                 $config->value = $value;
                 $config->save();
             }
+        } else {
+            // 自动补齐缺失的提现开关配置项，确保热更新无缝落地
+            if ($code === 'shop.recharge_withdraw.withdraw.status') {
+                self::create([
+                    'code' => $code,
+                    'parent_code' => 'shop.recharge_withdraw.withdraw',
+                    'name' => '开启提现',
+                    'type' => 'boolean',
+                    'value' => (string)intval($value),
+                    'rule' => 'required',
+                    'weigh' => 50
+                ]);
+            }
         }
     }
 

application/admin/model/shopro/Withdraw.php

@@ -16,6 +16,8 @@ class Withdraw extends Common
         'status_text',
         'charge_rate_format',
         'withdraw_info_hidden',
+        'withdraw_info_display',
+        'is_madow_withdraw',
         'withdraw_type_text',
         'wechat_transfer_state_text',
     ];
@@ -90,9 +92,84 @@ class Withdraw extends Common
         return bcmul((string)$value, '100', 1) . '%';
     }
 
+    public function getIsMadowWithdrawAttr($value, $data)
+    {
+        $info = $this->withdraw_info ?? ($data['withdraw_info'] ?? null);
+        if (is_string($info)) {
+            $info = json_decode($info, true) ?: [];
+        }
+        if (!is_array($info)) {
+            return false;
+        }
+        return (isset($info['wallet_type']) && $info['wallet_type'] === 'madow')
+            || (isset($info['提现资产']) && strcasecmp($info['提现资产'], 'dmepa') === 0);
+    }
+
+    public function getWithdrawInfoDisplayAttr($value, $data)
+    {
+        $info = $this->withdraw_info ?? ($data['withdraw_info'] ?? null);
+        if (is_string($info)) {
+            $info = json_decode($info, true) ?: [];
+        }
+        if (!is_array($info)) {
+            return [];
+        }
+
+        $display = [];
+        $isMadow = (isset($info['wallet_type']) && $info['wallet_type'] === 'madow')
+            || (isset($info['提现资产']) && strcasecmp($info['提现资产'], 'dmepa') === 0);
+
+        if ($isMadow) {
+            $display['提现资产'] = 'DMEPA';
+
+            // 扣除 DMEPA
+            $madowAmount = $info['madow_amount'] ?? ($info['扣除DMEPA'] ?? ($info['扣除dmepa'] ?? null));
+            if ($madowAmount !== null) {
+                $madowClean = trim(str_ireplace(['dmepa', ' '], '', (string)$madowAmount));
+                $display['扣除DMEPA'] = $madowClean . ' DMEPA';
+            }
+
+            // 市值汇率
+            $rate = $info['rate'] ?? ($info['市值汇率'] ?? ($info['折算汇率'] ?? null));
+            if ($rate !== null) {
+                if (is_numeric($rate)) {
+                    $rateClean = rtrim(rtrim(number_format((float)$rate, 12, '.', ''), '0'), '.');
+                    $display['市值汇率'] = '1 DMEPA ≈ ' . $rateClean . ' 元';
+                } else {
+                    $rateStr = (string)$rate;
+                    $rateClean = trim(str_replace(['1 DMEPA ≈', '元/dmepa', '元/DMEPA', '元', ' '], '', $rateStr));
+                    $display['市值汇率'] = '1 DMEPA ≈ ' . $rateClean . ' 元';
+                }
+            }
+
+            // 换算市值
+            $marketValue = $info['换算市值'] ?? ($data['amount'] ?? ($this->amount ?? null));
+            if ($marketValue !== null) {
+                $valClean = trim(str_replace(['元', ' '], '', (string)$marketValue));
+                $display['换算市值'] = number_format((float)$valClean, 2, '.', '') . ' 元';
+            }
+        }
+
+        // 填充银行卡或其它常规账户信息，并过滤英文底层键
+        $excludeKeys = ['wallet_type', 'madow_amount', 'rate', '提现资产', '扣除DMEPA', '扣除dmepa', '市值汇率', '折算汇率', '换算市值'];
+        foreach ($info as $k => $v) {
+            if (!in_array($k, $excludeKeys)) {
+                $display[$k] = $v;
+            }
+        }
+
+        return $display;
+    }
+
     public function getWithdrawInfoHiddenAttr($value, $data)
     {
         $withdraw_info = $value ?: ($this->withdraw_info ?? null);
+        if (is_string($withdraw_info)) {
+            $withdraw_info = json_decode($withdraw_info, true) ?: [];
+        }
+        if (!is_array($withdraw_info)) {
+            return [];
+        }
 
         foreach ($withdraw_info as $key => &$info) {
             if (in_array($key, ['微信用户', '真实姓名'])) {

application/admin/view/shopro/config/index.html

@@ -576,6 +576,21 @@
                         </template>
                         <template v-if="form.model.withdraw">
                             <div class="sa-title is-line">提现配置</div>
+                            <el-form-item label="开启提现">
+                                <div>
+                                    <div class="sa-flex">
+                                        <el-switch v-model="form.model.withdraw.status" :active-value="1"
+                                            :inactive-value="0"></el-switch>
+                                        <div class="label-tip"
+                                            :class="form.model.withdraw.status == 1?'sa-color--primary':''">
+                                            {{form.model.withdraw.status == 1?'开启':'关闭'}}
+                                        </div>
+                                    </div>
+                                    <div class="tip">
+                                        <div> 关闭提现后，用户端将隐藏提现入口且禁止提现操作 </div>
+                                    </div>
+                                </div>
+                            </el-form-item>
                             <el-form-item label="提现方式">
                                 <el-checkbox-group v-model="form.model.withdraw.methods">
                                     <el-checkbox label="wechat">到微信零钱</el-checkbox>
@@ -928,10 +943,10 @@
                             </div>
                             <div class="tip">默认 398 / 400 / 600，三者之和建议等于主售价</div>
                         </el-form-item>
-                        <div class="sa-title is-line">马豆</div>
+                        <div class="sa-title is-line">dmepa</div>
                         <el-form-item label="发放模式">
                             <el-radio-group v-model="form.model.partner_madow_mode">
-                                <el-radio label="madow">马豆</el-radio>
+                                <el-radio label="madow">dmepa</el-radio>
                                 <el-radio label="cash">现金</el-radio>
                             </el-radio-group>
                         </el-form-item>
@@ -943,7 +958,35 @@
                         </el-form-item>
                         <el-form-item label="显示马币市值">
                             <el-switch v-model="form.model.partner_show_madow_rate" :active-value="1" :inactive-value="0"></el-switch>
-                            <div class="tip">开启后，移动端“我的马豆”资产卡片将显示“马币市值 1 马豆 ≈ xxxx 元 生态增值”指示胶囊；关闭则隐藏该胶囊。</div>
+                            <div class="tip">开启后，移动端“我的dmepa”资产卡片将显示“市值 1 dmepa ≈ xxxx 元 生态增值”指示胶囊；关闭则隐藏该胶囊。</div>
+                        </el-form-item>
+                        <el-form-item label="开启dmepa提现">
+                            <el-switch v-model="form.model.partner_madow_withdraw_enable" :active-value="1" :inactive-value="0"></el-switch>
+                            <div class="tip">开启后，移动端“我的dmepa”页面将显示提现按钮，支持持仓dmepa按实时市值提现到银行卡；关闭后隐藏提现入口并禁止提现。</div>
+                        </el-form-item>
+                        <el-form-item label="dmepa最低提现金额">
+                            <el-input class="sa-w-360" v-model="form.model.partner_madow_withdraw_min" type="number" placeholder="1">
+                                <template #append>元</template>
+                            </el-input>
+                            <div class="tip">每次dmepa折合现金提现的最低申请金额（元）</div>
+                        </el-form-item>
+                        <el-form-item label="市值规则弹窗标题">
+                            <el-input class="sa-w-360" v-model="form.model.partner_madow_rule_title" placeholder="市值与增值规则"></el-input>
+                        </el-form-item>
+                        <el-form-item label="市值规则说明条目">
+                            <div style="width: 100%; max-width: 660px;">
+                                <div v-for="(item, index) in form.model.partner_madow_rules" :key="index" style="margin-bottom: 12px; padding: 12px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 6px;">
+                                    <div style="display: flex; align-items: center; justify-content: space-between; margin-bottom: 8px;">
+                                        <div style="display: flex; align-items: center;">
+                                            <span style="display: inline-flex; align-items: center; justify-content: center; width: 20px; height: 20px; border-radius: 50%; background: #e0b467; color: #fff; font-size: 12px; font-weight: bold; margin-right: 8px;">{{ index + 1 }}</span>
+                                            <el-input style="width: 260px;" v-model="item.title" placeholder="条目标题（如：dmepa获取与核算）" size="small"></el-input>
+                                        </div>
+                                        <el-button type="danger" link size="small" @click="onDeleteMadowRule(index)">删除</el-button>
+                                    </div>
+                                    <el-input type="textarea" :rows="2" v-model="item.desc" placeholder="条目详细说明内容..."></el-input>
+                                </div>
+                                <el-button icon="Plus" size="small" @click="onAddMadowRule">添加规则条目</el-button>
+                            </div>
                         </el-form-item>
                         <div class="sa-title is-line">兑换券</div>
                         <el-form-item label="倍数">
@@ -952,6 +995,24 @@
                         <el-form-item label="释放天数">
                             <el-input class="sa-w-360" v-model="form.model.partner_voucher_days" type="number"></el-input>
                         </el-form-item>
+                        <el-form-item label="释放规则弹窗标题">
+                            <el-input class="sa-w-360" v-model="form.model.partner_voucher_rule_title" placeholder="兑换券释放与使用规则"></el-input>
+                        </el-form-item>
+                        <el-form-item label="释放规则说明条目">
+                            <div style="width: 100%; max-width: 660px;">
+                                <div v-for="(item, index) in form.model.partner_voucher_rules" :key="index" style="margin-bottom: 12px; padding: 12px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 6px;">
+                                    <div style="display: flex; align-items: center; justify-content: space-between; margin-bottom: 8px;">
+                                        <div style="display: flex; align-items: center;">
+                                            <span style="display: inline-flex; align-items: center; justify-content: center; width: 20px; height: 20px; border-radius: 50%; background: #e0b467; color: #fff; font-size: 12px; font-weight: bold; margin-right: 8px;">{{ index + 1 }}</span>
+                                            <el-input style="width: 260px;" v-model="item.title" placeholder="条目标题（如：赠送与释放天数）" size="small"></el-input>
+                                        </div>
+                                        <el-button type="danger" link size="small" @click="onDeleteVoucherRule(index)">删除</el-button>
+                                    </div>
+                                    <el-input type="textarea" :rows="2" v-model="item.desc" placeholder="条目详细说明内容..."></el-input>
+                                </div>
+                                <el-button icon="Plus" size="small" @click="onAddVoucherRule">添加规则条目</el-button>
+                            </div>
+                        </el-form-item>
                         <div class="sa-title is-line">创客</div>
                         <el-form-item label="V1–V6 单笔基数">
                             <div class="sa-flex" style="gap:8px;flex-wrap:wrap">

application/admin/view/shopro/withdraw/index.html

@@ -45,11 +45,26 @@
                         <sa-user-profile :user="scope.row.user" :id="scope.row.user_id"></sa-user-profile>
                     </template>
                 </el-table-column>
-                <el-table-column label="提现金额/实际到账" min-width="166">
+                <el-table-column label="提现金额/实际到账" min-width="170">
                     <template #default="scope">
-                        <div class="sa-table-line-1">
-                            {{ scope.row.amount || '-' }}/{{ scope.row.paid_fee }}元
-                        </div>
+                        <template v-if="scope.row.is_madow_withdraw">
+                            <div class="sa-flex" style="margin-bottom: 2px;">
+                                <el-tag size="small" type="warning" effect="dark" style="background: linear-gradient(135deg, #d4af37, #aa7c11); border: none; font-weight: bold; border-radius: 4px; height: 20px; line-height: 20px; padding: 0 6px;">
+                                    DMEPA提现
+                                </el-tag>
+                            </div>
+                            <div class="sa-table-line-1" style="color: #b88200; font-weight: bold;">
+                                换算市值: {{ scope.row.amount || '-' }}元
+                            </div>
+                            <div class="sa-table-line-1" style="font-size: 12px; color: #909399;">
+                                实际到账: {{ scope.row.paid_fee }}元
+                            </div>
+                        </template>
+                        <template v-else>
+                            <div class="sa-table-line-1">
+                                {{ scope.row.amount || '-' }}/{{ scope.row.paid_fee }}元
+                            </div>
+                        </template>
                     </template>
                 </el-table-column>
                 <el-table-column label="费率/手续费" min-width="132">
@@ -78,12 +93,21 @@
                 <el-table-column label="打款信息" min-width="380">
                     <template #default="scope">
                         <div class="sa-flex-col sa-col-top">
-                            <div v-for="(value, key) in scope.row.withdraw_info" :key="value" class="sa-flex">
-                                <div class="sa-table-line-1"> {{ key }}:{{ value }} </div>
-                                <el-icon class="copy-document" @click="onClipboard(value)">
-                                    <copy-document />
-                                </el-icon>
-                            </div>
+                            <template v-for="(value, key) in (scope.row.withdraw_info_display || scope.row.withdraw_info)">
+                                <div v-if="!['wallet_type', 'madow_amount', 'rate'].includes(key)" :key="key" class="sa-flex" style="margin-bottom: 2px;">
+                                    <div class="sa-table-line-1">
+                                        <span v-if="['市值汇率', '换算市值', '提现资产', '扣除DMEPA'].includes(key)" style="color: #b88200; font-weight: bold;">
+                                            {{ key }}: {{ value }}
+                                        </span>
+                                        <span v-else>
+                                            {{ key }}: {{ value }}
+                                        </span>
+                                    </div>
+                                    <el-icon class="copy-document" @click="onClipboard(value)">
+                                        <copy-document />
+                                    </el-icon>
+                                </div>
+                            </template>
                             <div v-if="scope.row.withdraw_type === 'wechat'" class="sa-flex">
                                 <div class="sa-table-line-1">
                                     打款状态: {{ scope.row.wechat_transfer_state_text }} | {{

public/assets/js/backend/shopro/config.js

@@ -89,6 +89,30 @@ define(['jquery', 'bootstrap', 'backend', 'table', 'form'], function ($, undefin
                                         form.model.partner_maker_bonus = { 2: 20, 3: 40, 4: 60, 5: 80, 6: 100, 7: 120 }
                                     }
                                     form.model.partner_show_madow_rate = form.model.partner_show_madow_rate !== undefined && form.model.partner_show_madow_rate !== null ? Number(form.model.partner_show_madow_rate) : 1;
+                                    form.model.partner_madow_withdraw_enable = form.model.partner_madow_withdraw_enable !== undefined && form.model.partner_madow_withdraw_enable !== null ? Number(form.model.partner_madow_withdraw_enable) : 1;
+                                    if (form.model.partner_madow_withdraw_min === undefined || form.model.partner_madow_withdraw_min === null || form.model.partner_madow_withdraw_min === '') {
+                                        form.model.partner_madow_withdraw_min = 1;
+                                    }
+                                    if (!form.model.partner_madow_rule_title) {
+                                        form.model.partner_madow_rule_title = '市值与增值规则';
+                                    }
+                                    if (!Array.isArray(form.model.partner_madow_rules) || form.model.partner_madow_rules.length === 0) {
+                                        form.model.partner_madow_rules = [
+                                            { title: 'dmepa获取与核算', desc: '平台合伙人与创客达成考核或完成订单后，系统将于次日 00:30 起统一参与每日dmepa加权核算并自动分发。' },
+                                            { title: '市值动态增值', desc: '市值随全平台订单增加而上浮增值。全网完成订单总量越多，dmepa单价所对应的市值越高，共享生态红利。' },
+                                            { title: '价值说明与权益', desc: '市值仅作为平台数字生态资产价值参考展示，不可直接兑换现金提现。具体权益按平台股东与合伙人章程执行。' }
+                                        ];
+                                    }
+                                    if (!form.model.partner_voucher_rule_title) {
+                                        form.model.partner_voucher_rule_title = '兑换券释放与使用规则';
+                                    }
+                                    if (!Array.isArray(form.model.partner_voucher_rules) || form.model.partner_voucher_rules.length === 0) {
+                                        form.model.partner_voucher_rules = [
+                                            { title: '赠送与释放天数', desc: '会员在平台完成符合条件的商城订单后，系统将按订单金额（默认 1.5 倍）生成兑换券计划，分 365 天按日线性释放。' },
+                                            { title: '每日自动到账', desc: '系统将于次日 00:30 起统一执行日结核算，按期释放的兑换券将自动计入您的「可用兑换券」账户，无需手动领取。' },
+                                            { title: '全场购物直接抵扣', desc: '可用兑换券可在平台商城下单结算时作为现金抵扣使用，尊享优惠抵扣权益。' }
+                                        ];
+                                    }
                                 }
 
                                 if (state.tabActive == 'shopro/config/chat') {
@@ -317,6 +341,30 @@ define(['jquery', 'bootstrap', 'backend', 'table', 'form'], function ($, undefin
                         form.model.agent_form.content.splice(index, 1);
                     }
 
+                    // 合伙股东抽屉说明规则编辑
+                    function onAddMadowRule() {
+                        if (!Array.isArray(form.model.partner_madow_rules)) {
+                            form.model.partner_madow_rules = [];
+                        }
+                        form.model.partner_madow_rules.push({ title: '', desc: '' });
+                    }
+                    function onDeleteMadowRule(index) {
+                        if (Array.isArray(form.model.partner_madow_rules)) {
+                            form.model.partner_madow_rules.splice(index, 1);
+                        }
+                    }
+                    function onAddVoucherRule() {
+                        if (!Array.isArray(form.model.partner_voucher_rules)) {
+                            form.model.partner_voucher_rules = [];
+                        }
+                        form.model.partner_voucher_rules.push({ title: '', desc: '' });
+                    }
+                    function onDeleteVoucherRule(index) {
+                        if (Array.isArray(form.model.partner_voucher_rules)) {
+                            form.model.partner_voucher_rules.splice(index, 1);
+                        }
+                    }
+
                     // 支付配置
                     const payConfig = reactive({
                         data: []
@@ -427,7 +475,7 @@ define(['jquery', 'bootstrap', 'backend', 'table', 'form'], function ($, undefin
                         }
                         if (state.tabActive == 'shopro/config/partner' && submitForm.partner_madow_mode === 'cash') {
                             const { ElMessageBox } = ElementPlus
-                            ElMessageBox.confirm('马豆改为现金模式后，日结将按当日 GMV 发放现金。确定保存？', '二次确认', {
+                            ElMessageBox.confirm('dmepa改为现金模式后，日结将按当日 GMV 发放现金。确定保存？', '二次确认', {
                                 confirmButtonText: '确定保存',
                                 cancelButtonText: '取消',
                                 type: 'warning',
@@ -486,6 +534,11 @@ define(['jquery', 'bootstrap', 'backend', 'table', 'form'], function ($, undefin
                         onAddContent,
                         onDeleteContent,
 
+                        onAddMadowRule,
+                        onDeleteMadowRule,
+                        onAddVoucherRule,
+                        onDeleteVoucherRule,
+
                         payConfig,
                         pagination,
                         onCommandPayConfig,

tests/partner/verify_admin_withdraw_display_unit.js

@@ -0,0 +1,145 @@
+/**
+ * 后台提现展示逻辑与数据获取器单元模拟测试
+ * 模拟验证 application/admin/model/shopro/Withdraw.php 中的：
+ * 1. getIsMadowWithdrawAttr 判断逻辑
+ * 2. getWithdrawInfoDisplayAttr 字段清洗、市值汇率与换算市值格式化逻辑
+ */
+
+const assert = require('assert');
+
+function simulateGetIsMadowWithdraw(withdraw_info) {
+    let info = withdraw_info;
+    if (typeof info === 'string') {
+        try { info = JSON.parse(info); } catch (e) { info = {}; }
+    }
+    if (!info || typeof info !== 'object') return false;
+    return Boolean(
+        (info.wallet_type === 'madow') ||
+        (info['提现资产'] && info['提现资产'].toLowerCase() === 'dmepa')
+    );
+}
+
+function simulateGetWithdrawInfoDisplay(withdraw_info, amount) {
+    let info = withdraw_info;
+    if (typeof info === 'string') {
+        try { info = JSON.parse(info); } catch (e) { info = {}; }
+    }
+    if (!info || typeof info !== 'object') return {};
+
+    const display = {};
+    const isMadow = simulateGetIsMadowWithdraw(info);
+
+    if (isMadow) {
+        display['提现资产'] = 'DMEPA';
+
+        // 扣除 DMEPA
+        const madowAmount = info['madow_amount'] || info['扣除DMEPA'] || info['扣除dmepa'] || null;
+        if (madowAmount !== null) {
+            const madowClean = String(madowAmount).replace(/dmepa/gi, '').trim();
+            display['扣除DMEPA'] = `${madowClean} DMEPA`;
+        }
+
+        // 市值汇率
+        const rate = info['rate'] !== undefined ? info['rate'] : (info['市值汇率'] || info['折算汇率'] || null);
+        if (rate !== null) {
+            if (typeof rate === 'number') {
+                const rateClean = rate.toFixed(12).replace(/\.?0+$/, '');
+                display['市值汇率'] = `1 DMEPA ≈ ${rateClean} 元`;
+            } else {
+                const rateClean = String(rate).replace(/1\s*DMEPA\s*≈|元\/dmepa|元\/DMEPA|元|\s/g, '').trim();
+                display['市值汇率'] = `1 DMEPA ≈ ${rateClean} 元`;
+            }
+        }
+
+        // 换算市值
+        const marketValue = info['换算市值'] || amount || null;
+        if (marketValue !== null) {
+            const valClean = String(marketValue).replace(/元|\s/g, '').trim();
+            display['换算市值'] = `${Number(valClean).toFixed(2)} 元`;
+        }
+    }
+
+    const excludeKeys = ['wallet_type', 'madow_amount', 'rate', '提现资产', '扣除DMEPA', '扣除dmepa', '市值汇率', '折算汇率', '换算市值'];
+    for (const [k, v] of Object.entries(info)) {
+        if (!excludeKeys.includes(k)) {
+            display[k] = v;
+        }
+    }
+
+    return display;
+}
+
+console.log('--- 开始执行后台模型获取器逻辑模拟单元测试 ---');
+
+// 场景 1: 普通佣金提现单
+const normalWithdraw = {
+    amount: '50.00',
+    withdraw_info: {
+        '真实姓名': '张三',
+        '开户银行': '工商银行',
+        '银行卡号': '6222021234567890'
+    }
+};
+assert.strictEqual(simulateGetIsMadowWithdraw(normalWithdraw.withdraw_info), false, '普通提现单识别为非 DMEPA');
+const normalDisplay = simulateGetWithdrawInfoDisplay(normalWithdraw.withdraw_info, normalWithdraw.amount);
+assert.strictEqual(normalDisplay['提现资产'], undefined);
+assert.strictEqual(normalDisplay['市值汇率'], undefined);
+assert.strictEqual(normalDisplay['真实姓名'], '张三');
+console.log('✓ 场景 1 (普通佣金提现单) 通过');
+
+// 场景 2: 新版 DMEPA 银行卡提现单
+const newMadowWithdraw = {
+    amount: '100.00',
+    withdraw_info: {
+        '真实姓名': '李四',
+        '开户银行': '建设银行',
+        '银行卡号': '6217001234567890',
+        '提现资产': 'DMEPA',
+        '扣除DMEPA': '133333333.3333 DMEPA',
+        '市值汇率': '1 DMEPA ≈ 0.00000075 元',
+        '换算市值': '100.00 元',
+        'wallet_type': 'madow',
+        'madow_amount': '133333333.3333',
+        'rate': 0.00000075
+    }
+};
+assert.strictEqual(simulateGetIsMadowWithdraw(newMadowWithdraw.withdraw_info), true, '新版 DMEPA 单据成功识别');
+const newDisplay = simulateGetWithdrawInfoDisplay(newMadowWithdraw.withdraw_info, newMadowWithdraw.amount);
+assert.strictEqual(newDisplay['提现资产'], 'DMEPA');
+assert.strictEqual(newDisplay['扣除DMEPA'], '133333333.3333 DMEPA');
+assert.strictEqual(newDisplay['市值汇率'], '1 DMEPA ≈ 0.00000075 元');
+assert.strictEqual(newDisplay['换算市值'], '100.00 元');
+assert.strictEqual(newDisplay['真实姓名'], '李四');
+assert.strictEqual(newDisplay['开户银行'], '建设银行');
+assert.strictEqual(newDisplay['wallet_type'], undefined, '成功过滤底层英文键 wallet_type');
+assert.strictEqual(newDisplay['madow_amount'], undefined, '成功过滤底层英文键 madow_amount');
+assert.strictEqual(newDisplay['rate'], undefined, '成功过滤底层英文键 rate');
+console.log('✓ 场景 2 (新版 DMEPA 银行卡提现单) 通过');
+
+// 场景 3: 旧版兼容 DMEPA 记录 (历史数据兼容)
+const legacyMadowWithdraw = {
+    amount: '200.00',
+    withdraw_info: {
+        '真实姓名': '王五',
+        '开户银行': '招商银行',
+        '银行卡号': '6225881234567890',
+        '提现资产': 'dmepa',
+        '扣除dmepa': '266666666.6667',
+        '折算汇率': '0.00000075 元/dmepa',
+        'wallet_type': 'madow',
+        'madow_amount': '266666666.6667',
+        'rate': 0.00000075
+    }
+};
+assert.strictEqual(simulateGetIsMadowWithdraw(legacyMadowWithdraw.withdraw_info), true, '旧版小写 dmepa 成功识别');
+const legacyDisplay = simulateGetWithdrawInfoDisplay(legacyMadowWithdraw.withdraw_info, legacyMadowWithdraw.amount);
+assert.strictEqual(legacyDisplay['提现资产'], 'DMEPA', '小写 dmepa 规范大写');
+assert.strictEqual(legacyDisplay['扣除DMEPA'], '266666666.6667 DMEPA', '自动补齐 DMEPA 单位后缀');
+assert.strictEqual(legacyDisplay['市值汇率'], '1 DMEPA ≈ 0.00000075 元', '历史「折算汇率」自动规范为「市值汇率」');
+assert.strictEqual(legacyDisplay['换算市值'], '200.00 元', '历史数据自动根据金额补全「换算市值」');
+assert.strictEqual(legacyDisplay['折算汇率'], undefined, '历史旧键被清理');
+assert.strictEqual(legacyDisplay['扣除dmepa'], undefined, '历史小写键被清理');
+console.log('✓ 场景 3 (旧版兼容 DMEPA 记录) 通过');
+
+console.log('-------------------------------------------');
+console.log('所有单元行为模拟测试全部通过！');

tests/partner/verify_drawer_rules_spec.js

@@ -0,0 +1,169 @@
+const fs = require('fs');
+const path = require('path');
+
+let passed = 0;
+let failed = 0;
+
+function assert(condition, testName, detail = '') {
+    if (condition) {
+        console.log(` [PASS] ${testName}`);
+        passed++;
+    } else {
+        console.error(` [FAIL] ${testName} - ${detail}`);
+        failed++;
+    }
+}
+
+console.log("========================================================");
+console.log("  抽屉说明文字后台配置与端到端动态展示规格测试");
+console.log("========================================================\n");
+
+// 1. 验证 PartnerConfig.php 规则读取与容错兜底机制
+console.log("--- 1. PartnerConfig 规则读取与容错逻辑 ---");
+const partnerConfigPath = path.resolve(__dirname, '../../addons/shopro/service/partner/PartnerConfig.php');
+assert(fs.existsSync(partnerConfigPath), 'PartnerConfig.php 文件存在');
+const partnerConfigContent = fs.readFileSync(partnerConfigPath, 'utf-8');
+
+assert(
+    partnerConfigContent.includes('function madowRuleTitle') && partnerConfigContent.includes('function madowRules'),
+    'PartnerConfig 包含 madowRuleTitle() 和 madowRules() 读取方法'
+);
+
+assert(
+    partnerConfigContent.includes('function voucherRuleTitle') && partnerConfigContent.includes('function voucherRules'),
+    'PartnerConfig 包含 voucherRuleTitle() 和 voucherRules() 读取方法'
+);
+
+assert(
+    partnerConfigContent.includes('function normalizeRules'),
+    'PartnerConfig 包含 normalizeRules 对 JSON 字符串、纯文本换行与数组的智能格式化及容错'
+);
+
+assert(
+    /DMEPA获取与核算/i.test(partnerConfigContent) && (partnerConfigContent.includes('市值动态增值') || partnerConfigContent.includes('马币市值动态增值')) && partnerConfigContent.includes('价值说明与权益'),
+    '默认兜底规则完整覆盖规则条目'
+);
+
+// 2. 验证 后台 Config 控制器白名单与数据自愈
+console.log("\n--- 2. 后台 Config 控制器白名单与自愈机制 ---");
+const configPhpPath = path.resolve(__dirname, '../../application/admin/controller/shopro/Config.php');
+assert(fs.existsSync(configPhpPath), 'Config.php 文件存在');
+const configPhpContent = fs.readFileSync(configPhpPath, 'utf-8');
+
+assert(
+    configPhpContent.includes('partner_madow_rule_title') && configPhpContent.includes('partner_madow_rules'),
+    'Config.php 白名单及默认值包含 partner_madow_rule_title 和 partner_madow_rules'
+);
+
+assert(
+    configPhpContent.includes('partner_voucher_rule_title') && configPhpContent.includes('partner_voucher_rules'),
+    'Config.php 白名单及默认值包含 partner_voucher_rule_title 和 partner_voucher_rules'
+);
+
+assert(
+    configPhpContent.includes('shop.commission.partner_madow_rule_title') && configPhpContent.includes('shop.commission.partner_madow_rules'),
+    'Config.php 包含数据库配置缺失时的自动创建与自愈机制'
+);
+
+// 3. 验证 后台视图与 JS 前端交互绑定
+console.log("\n--- 3. 后台配置视图与交互脚本 ---");
+const indexHtmlPath = path.resolve(__dirname, '../../application/admin/view/shopro/config/index.html');
+assert(fs.existsSync(indexHtmlPath), 'config/index.html 文件存在');
+const indexHtmlContent = fs.readFileSync(indexHtmlPath, 'utf-8');
+
+assert(
+    indexHtmlContent.includes('form.model.partner_madow_rule_title') && indexHtmlContent.includes('form.model.partner_madow_rules'),
+    '后台视图包含 dmepa 市值规则弹窗标题输入框与规则说明条目编辑'
+);
+
+assert(
+    indexHtmlContent.includes('onDeleteMadowRule') && indexHtmlContent.includes('onAddMadowRule'),
+    '后台视图提供 dmepa 规则条目的新增和删除操作入口'
+);
+
+const configJsPath = path.resolve(__dirname, '../../public/assets/js/backend/shopro/config.js');
+assert(fs.existsSync(configJsPath), 'config.js 文件存在');
+const configJsContent = fs.readFileSync(configJsPath, 'utf-8');
+
+assert(
+    configJsContent.includes('form.model.partner_madow_rule_title') && configJsContent.includes('form.model.partner_madow_rules'),
+    'config.js 在加载配置时包含 dmepa 规则默认结构初始化'
+);
+
+assert(
+    configJsContent.includes('onAddMadowRule') && configJsContent.includes('onDeleteMadowRule'),
+    'config.js 定义并暴露了 onAddMadowRule 和 onDeleteMadowRule 方法'
+);
+
+// 4. 验证 用户端接口 partner/Index.php
+console.log("\n--- 4. 用户端 partner/Index.php 接口输出 ---");
+const partnerIndexPath = path.resolve(__dirname, '../../addons/shopro/controller/partner/Index.php');
+assert(fs.existsSync(partnerIndexPath), 'partner/Index.php 文件存在');
+const partnerIndexContent = fs.readFileSync(partnerIndexPath, 'utf-8');
+
+assert(
+    partnerIndexContent.includes("'rule_title' => PartnerConfig::madowRuleTitle()") &&
+    partnerIndexContent.includes("'rules' => PartnerConfig::madowRules()"),
+    'madow() 接口返回 rule_title 与 rules 规则数据'
+);
+
+assert(
+    partnerIndexContent.includes("'rule_title' => PartnerConfig::voucherRuleTitle()") &&
+    partnerIndexContent.includes("'rules' => PartnerConfig::voucherRules()"),
+    'voucher() 接口返回 rule_title 与 rules 规则数据'
+);
+
+// 5. 验证 移动端 madow.vue 与 voucher.vue 抽屉弹窗动态渲染
+console.log("\n--- 5. 移动端抽屉弹窗动态渲染与保底 ---");
+const madowVuePath = path.resolve(__dirname, '../../uniapp/pages/commission/madow.vue');
+assert(fs.existsSync(madowVuePath), 'madow.vue 文件存在');
+const madowVueContent = fs.readFileSync(madowVuePath, 'utf-8');
+
+assert(
+    madowVueContent.includes('state.ruleTitle') &&
+    madowVueContent.includes('v-for="(item, index) in state.rules"') &&
+    madowVueContent.includes('item.title') &&
+    madowVueContent.includes('item.desc'),
+    'madow.vue 抽屉弹窗支持标题与规则条目动态循环渲染'
+);
+
+assert(
+    madowVueContent.includes('defaultRules') &&
+    madowVueContent.includes('dmepa获取与核算') &&
+    (madowVueContent.includes('市值动态增值') || madowVueContent.includes('马币市值动态增值')) &&
+    madowVueContent.includes('价值说明与权益'),
+    'madow.vue 保留本地 defaultRules，在无网络或首次加载时提供稳健保底'
+);
+
+assert(
+    madowVueContent.includes('data.rule_title') && madowVueContent.includes('data.rules'),
+    'madow.vue getMadow() 成功接收并更新 state.ruleTitle 与 state.rules'
+);
+
+const voucherVuePath = path.resolve(__dirname, '../../uniapp/pages/commission/voucher.vue');
+assert(fs.existsSync(voucherVuePath), 'voucher.vue 文件存在');
+const voucherVueContent = fs.readFileSync(voucherVuePath, 'utf-8');
+
+assert(
+    voucherVueContent.includes('state.ruleTitle') &&
+    voucherVueContent.includes('v-for="(item, index) in state.rules"'),
+    'voucher.vue 抽屉弹窗支持标题与规则条目动态循环渲染'
+);
+
+// 6. 验证 upgrade SQL 初始化
+console.log("\n--- 6. upgrade SQL 初始配置项覆盖 ---");
+const sqlPath = path.resolve(__dirname, '../../addons/shopro/upgrade/partner_v2.sql');
+assert(fs.existsSync(sqlPath), 'partner_v2.sql 文件存在');
+const sqlContent = fs.readFileSync(sqlPath, 'utf-8');
+
+assert(
+    sqlContent.includes('shop.commission.partner_madow_rule_title') &&
+    sqlContent.includes('shop.commission.partner_madow_rules'),
+    'partner_v2.sql 包含 dmepa 规则初始配置行'
+);
+
+console.log("\n--------------------------------------------------------");
+console.log(`测试执行结果: 通过 ${passed} 项, 失败 ${failed} 项`);
+console.log("========================================================");
+
+process.exit(failed === 0 ? 0 : 1);

tests/partner/verify_madow_withdraw_spec.js

@@ -0,0 +1,328 @@
+/**
+ * dmepa 余额银行卡提现功能端到端全链路规格测试
+ * 覆盖范围：
+ * 1. PartnerConfig.php 开关与最小金额读取方法、奖励字典
+ * 2. Config.php 控制器白名单、默认值、自愈与入参校验
+ * 3. config/index.html & config.js 后台表单项与初始化
+ * 4. partner_v2.sql 数据库升级配置行
+ * 5. Withdraw.php 服务层 applyMadow 提现发起、持仓校验、扣减流水、审核拒绝退款与失败退还闭环
+ * 6. partner/Index.php madow() 接口返回提现开关与最低金额
+ * 7. madow.vue 资产卡片提现按钮及动态显隐控制
+ * 8. withdraw.vue 路由参数、银行卡模式锁定、全部提现、实时汇率扣除估算与提现提交
+ */
+
+const fs = require('fs');
+const path = require('path');
+
+let passCount = 0;
+let failCount = 0;
+
+function assert(condition, testName, detail = '') {
+    if (condition) {
+        console.log(` \x1b[32m[PASS]\x1b[0m ${testName}`);
+        passCount++;
+    } else {
+        console.error(` \x1b[31m[FAIL]\x1b[0m ${testName} - ${detail}`);
+        failCount++;
+    }
+}
+
+console.log('========================================================');
+console.log('  dmepa 余额银行卡提现功能端到端规格测试');
+console.log('========================================================\n');
+
+// 1. 验证 PartnerConfig.php
+console.log('--- 1. PartnerConfig 配置读取与字典注册 ---');
+const partnerConfigPath = path.resolve(__dirname, '../../addons/shopro/service/partner/PartnerConfig.php');
+assert(fs.existsSync(partnerConfigPath), 'PartnerConfig.php 文件存在');
+const partnerConfigContent = fs.readFileSync(partnerConfigPath, 'utf-8');
+
+assert(
+    partnerConfigContent.includes('function isMadowWithdrawEnabled'),
+    'PartnerConfig 包含 isMadowWithdrawEnabled() 读取方法'
+);
+assert(
+    partnerConfigContent.includes('function madowWithdrawMin'),
+    'PartnerConfig 包含 madowWithdrawMin() 最低提现金额读取方法'
+);
+assert(
+    partnerConfigContent.includes("'madow_withdraw' => 'dmepa提现扣除'") &&
+    partnerConfigContent.includes("'madow_withdraw_refund' => 'dmepa提现退还'"),
+    'PartnerConfig rewardTypes 字典正确登记 madow_withdraw 与 madow_withdraw_refund'
+);
+
+// 2. 验证 Config.php
+console.log('\n--- 2. 后台 Config.php 控制器白名单与自愈 ---');
+const configPhpPath = path.resolve(__dirname, '../../application/admin/controller/shopro/Config.php');
+assert(fs.existsSync(configPhpPath), 'Config.php 文件存在');
+const configPhpContent = fs.readFileSync(configPhpPath, 'utf-8');
+
+assert(
+    configPhpContent.includes("'partner_madow_withdraw_enable'") &&
+    configPhpContent.includes("'partner_madow_withdraw_min'"),
+    'Config.php 白名单 $keys 包含 partner_madow_withdraw_enable 与 partner_madow_withdraw_min'
+);
+assert(
+    configPhpContent.includes("'partner_madow_withdraw_enable' => 1") &&
+    configPhpContent.includes("'partner_madow_withdraw_min' => 1"),
+    'Config.php $defaults 包含 partner_madow_withdraw_enable 与 partner_madow_withdraw_min 默认值'
+);
+assert(
+    configPhpContent.includes("shop.commission.partner_madow_withdraw_enable") &&
+    configPhpContent.includes("shop.commission.partner_madow_withdraw_min"),
+    'Config.php $ensureConfigs 包含提现开关与最低金额自愈创建机制'
+);
+assert(
+    configPhpContent.includes("intval($save['partner_madow_withdraw_enable'])") &&
+    configPhpContent.includes("floatval($save['partner_madow_withdraw_min'])"),
+    'Config.php POST 保存处理了整型与浮点安全类型转换'
+);
+
+// 3. 验证 后台视图与 JS 脚本
+console.log('\n--- 3. 后台配置视图与脚本 (index.html & config.js) ---');
+const indexHtmlPath = path.resolve(__dirname, '../../application/admin/view/shopro/config/index.html');
+assert(fs.existsSync(indexHtmlPath), 'config/index.html 视图文件存在');
+const indexHtmlContent = fs.readFileSync(indexHtmlPath, 'utf-8');
+
+assert(
+    indexHtmlContent.includes('form.model.partner_madow_withdraw_enable') &&
+    (indexHtmlContent.includes('开启dmepa提现') || indexHtmlContent.includes('开启DMEPA提现')),
+    '后台视图包含「开启DMEPA提现」switch 开关'
+);
+assert(
+    indexHtmlContent.includes('form.model.partner_madow_withdraw_min') &&
+    (indexHtmlContent.includes('dmepa最低提现金额') || indexHtmlContent.includes('DMEPA最低提现金额')),
+    '后台视图包含「DMEPA最低提现金额」输入框'
+);
+
+const configJsPath = path.resolve(__dirname, '../../public/assets/js/backend/shopro/config.js');
+assert(fs.existsSync(configJsPath), 'config.js 脚本文件存在');
+const configJsContent = fs.readFileSync(configJsPath, 'utf-8');
+
+assert(
+    configJsContent.includes('form.model.partner_madow_withdraw_enable') &&
+    configJsContent.includes('form.model.partner_madow_withdraw_min'),
+    'config.js 对 partner_madow_withdraw_enable 与 partner_madow_withdraw_min 进行默认初始化'
+);
+
+// 4. 验证 partner_v2.sql
+console.log('\n--- 4. 数据库升级脚本 partner_v2.sql ---');
+const sqlPath = path.resolve(__dirname, '../../addons/shopro/upgrade/partner_v2.sql');
+assert(fs.existsSync(sqlPath), 'partner_v2.sql 文件存在');
+const sqlContent = fs.readFileSync(sqlPath, 'utf-8');
+
+assert(
+    sqlContent.includes("'shop.commission.partner_madow_withdraw_enable'") &&
+    sqlContent.includes("'shop.commission.partner_madow_withdraw_min'"),
+    'partner_v2.sql 包含提现开关与最低金额初始配置行'
+);
+
+// 5. 验证 Withdraw.php 服务层业务闭环
+console.log('\n--- 5. 提现服务层 (Withdraw.php) dmepa提现业务闭环 ---');
+const withdrawServicePath = path.resolve(__dirname, '../../addons/shopro/service/Withdraw.php');
+assert(fs.existsSync(withdrawServicePath), 'Withdraw.php 服务文件存在');
+const withdrawServiceContent = fs.readFileSync(withdrawServicePath, 'utf-8');
+
+assert(
+    withdrawServiceContent.includes("params['wallet_type'] ?? 'commission'") &&
+    withdrawServiceContent.includes("applyMadow"),
+    'Withdraw.php::apply 支持 wallet_type=madow 并分流至 applyMadow'
+);
+assert(
+    withdrawServiceContent.includes("PartnerConfig::isMadowWithdrawEnabled()") &&
+    (withdrawServiceContent.includes('dmepa提现功能暂未开启') || withdrawServiceContent.includes('DMEPA提现功能暂未开启')),
+    'applyMadow 校验 DMEPA 提现开关，关闭时抛出面向用户的明确提示'
+);
+assert(
+    withdrawServiceContent.includes("$type !== 'bank'") &&
+    (withdrawServiceContent.includes('dmepa提现仅支持银行卡转账') || withdrawServiceContent.includes('DMEPA提现仅支持银行卡转账')),
+    'applyMadow 严格限制提现渠道仅支持 bank (银行卡转账)'
+);
+assert(
+    withdrawServiceContent.includes("PartnerConfig::madowWithdrawMin()"),
+    'applyMadow 校验最低提现金额'
+);
+assert(
+    withdrawServiceContent.includes("(new RateService())->currentRate()"),
+    'applyMadow 调用 RateService 实时获取当前大盘汇率'
+);
+assert(
+    withdrawServiceContent.includes("AgentModel::where('user_id', $this->user->id)->lock(true)->find()") &&
+    (withdrawServiceContent.includes("持仓dmepa不足，无法提现") || withdrawServiceContent.includes("持仓DMEPA不足，无法提现")),
+    'applyMadow 行级排他锁校验合伙人 DMEPA 持仓充足性'
+);
+assert(
+    withdrawServiceContent.includes("$agent->setDec('madow', $deductMadow)"),
+    'applyMadow 执行数据库原子扣减持仓 dmepa'
+);
+assert(
+    withdrawServiceContent.includes("'reward_type' => 'madow_withdraw'"),
+    'applyMadow 记录 PartnerRewardService madow_withdraw 负向提现流水'
+);
+assert(
+    withdrawServiceContent.includes("madow_withdraw_refund") &&
+    withdrawServiceContent.includes("$agent->setInc('madow', $madowRefund)"),
+    'handleRefuse 识别 dmepa 提现驳回并原子返还持仓 madow 记录 refund 流水'
+);
+assert(
+    withdrawServiceContent.includes("handleFail") &&
+    withdrawServiceContent.includes("madow_withdraw_refund"),
+    'handleFail 提现异常失败时同样支持安全返还 dmepa'
+);
+
+// 6. 验证 用户端接口 partner/Index.php
+console.log('\n--- 6. 用户端 partner/Index.php 接口输出 ---');
+const partnerIndexPath = path.resolve(__dirname, '../../addons/shopro/controller/partner/Index.php');
+assert(fs.existsSync(partnerIndexPath), 'partner/Index.php 控制器存在');
+const partnerIndexContent = fs.readFileSync(partnerIndexPath, 'utf-8');
+
+assert(
+    partnerIndexContent.includes("'can_withdraw_madow' => PartnerConfig::isMadowWithdrawEnabled() ? 1 : 0") &&
+    partnerIndexContent.includes("'madow_withdraw_min' => PartnerConfig::madowWithdrawMin()"),
+    'madow() 接口返回 can_withdraw_madow 开关与 madow_withdraw_min 门槛'
+);
+
+// 7. 验证 前端 madow.vue 资产页
+console.log('\n--- 7. 用户端 我的dmepa页面 (madow.vue) 提现入口 ---');
+const madowVuePath = path.resolve(__dirname, '../../uniapp/pages/commission/madow.vue');
+assert(fs.existsSync(madowVuePath), 'madow.vue 文件存在');
+const madowVueContent = fs.readFileSync(madowVuePath, 'utf-8');
+
+assert(
+    madowVueContent.includes("v-if=\"state.info.can_withdraw_madow !== false && state.info.can_withdraw_madow !== 0 && state.info.can_withdraw_madow !== '0'\""),
+    'madow.vue 提现按钮受后台 can_withdraw_madow 开关动态控制显隐'
+);
+assert(
+    madowVueContent.includes("@tap=\"onWithdrawMadow\"") &&
+    madowVueContent.includes("sheep.$router.go('/pages/pay/withdraw', { type: 'madow' })"),
+    'madow.vue 点击提现跳转至 /pages/pay/withdraw?type=madow'
+);
+assert(
+    madowVueContent.includes(".topup-btn") &&
+    madowVueContent.includes(".hero-left"),
+    'madow.vue 包含与钱包对齐的黑金渐变提现按钮样式'
+);
+assert(
+    madowVueContent.includes("state.info.can_withdraw_madow = data.can_withdraw_madow"),
+    'madow.vue getMadow() 解析服务端下发的 can_withdraw_madow 状态'
+);
+
+// 8. 验证 前端 withdraw.vue 提现申请页
+console.log('\n--- 8. 用户端 提现申请页 (withdraw.vue) dmepa提现适配 ---');
+const withdrawVuePath = path.resolve(__dirname, '../../uniapp/pages/pay/withdraw.vue');
+assert(fs.existsSync(withdrawVuePath), 'withdraw.vue 文件存在');
+const withdrawVueContent = fs.readFileSync(withdrawVuePath, 'utf-8');
+
+assert(
+    withdrawVueContent.includes(":title=\"state.walletType === 'madow' ? 'dmepa提现' : '申请提现'\"") ||
+    withdrawVueContent.includes(":title=\"state.walletType === 'madow' ? 'DMEPA提现' : '申请提现'\""),
+    'withdraw.vue 页面标题根据 walletType 自适应切换 DMEPA提现 / 申请提现'
+);
+assert(
+    withdrawVueContent.includes("state.walletType === 'madow'") &&
+    withdrawVueContent.includes("state.madowInfo.madow"),
+    'withdraw.vue 顶部资产卡片在 madow 模式下展示 dmepa 持仓与预估市值'
+);
+assert(
+    withdrawVueContent.includes("onWithdrawAllMadow") &&
+    withdrawVueContent.includes("全部提现"),
+    'withdraw.vue madow 模式下支持一键「全部提现」'
+);
+assert(
+    withdrawVueContent.includes("estimatedDeductMadow") &&
+    withdrawVueContent.includes("实时汇率"),
+    'withdraw.vue 支持输入金额时根据大盘实时汇率计算需扣除的 dmepa 数量预览'
+);
+assert(
+    withdrawVueContent.includes(":methods=\"state.walletType === 'madow' ? ['bank'] : state.rules.methods\""),
+    'withdraw.vue 在 madow 模式下提现方式严格锁定为 bank 银行卡'
+);
+assert(
+    withdrawVueContent.includes("payload.wallet_type = 'madow'") &&
+    withdrawVueContent.includes("payload.type = 'bank'"),
+    'withdraw.vue 提交申请时附带 wallet_type: madow 与 type: bank 参数'
+);
+assert(
+    withdrawVueContent.includes("fetchUserBankAccount"),
+    'withdraw.vue 进入 madow 提现时自动调取既有已绑定的银行卡信息'
+);
+
+// 9. 验证 后台提现模型 (Withdraw.php) 属性追加与获取器清洗
+console.log('\n--- 9. 后台提现模型 (Withdraw.php) 市值汇率与换算市值获取器 ---');
+const adminWithdrawModelPath = path.resolve(__dirname, '../../application/admin/model/shopro/Withdraw.php');
+assert(fs.existsSync(adminWithdrawModelPath), 'application/admin/model/shopro/Withdraw.php 存在');
+const adminWithdrawModelContent = fs.readFileSync(adminWithdrawModelPath, 'utf-8');
+
+assert(
+    adminWithdrawModelContent.includes("'is_madow_withdraw'") &&
+    adminWithdrawModelContent.includes("'withdraw_info_display'"),
+    'Withdraw 模型 $append 包含 is_madow_withdraw 与 withdraw_info_display 属性'
+);
+assert(
+    adminWithdrawModelContent.includes("function getIsMadowWithdrawAttr"),
+    'Withdraw 模型提供 getIsMadowWithdrawAttr 获取器精准识别 DMEPA 提现单'
+);
+assert(
+    adminWithdrawModelContent.includes("function getWithdrawInfoDisplayAttr"),
+    'Withdraw 模型提供 getWithdrawInfoDisplayAttr 获取器'
+);
+assert(
+    adminWithdrawModelContent.includes("市值汇率") &&
+    adminWithdrawModelContent.includes("换算市值") &&
+    adminWithdrawModelContent.includes("1 DMEPA ≈"),
+    'getWithdrawInfoDisplayAttr 包含「市值汇率」与「换算市值」规范格式化'
+);
+assert(
+    adminWithdrawModelContent.includes("wallet_type") &&
+    adminWithdrawModelContent.includes("madow_amount") &&
+    adminWithdrawModelContent.includes("rate"),
+    'getWithdrawInfoDisplayAttr 过滤 wallet_type、madow_amount、rate 等英文技术键'
+);
+
+// 10. 验证 后台提现视图 (index.html) 金额列与打款信息列展示
+console.log('\n--- 10. 后台提现管理视图 (index.html) 市值汇率与换算市值高亮展示 ---');
+const adminWithdrawHtmlPath = path.resolve(__dirname, '../../application/admin/view/shopro/withdraw/index.html');
+assert(fs.existsSync(adminWithdrawHtmlPath), 'application/admin/view/shopro/withdraw/index.html 存在');
+const adminWithdrawHtmlContent = fs.readFileSync(adminWithdrawHtmlPath, 'utf-8');
+
+assert(
+    adminWithdrawHtmlContent.includes("scope.row.is_madow_withdraw") &&
+    adminWithdrawHtmlContent.includes("DMEPA提现") &&
+    adminWithdrawHtmlContent.includes("换算市值: {{ scope.row.amount || '-' }}元"),
+    '提现金额列识别 DMEPA 提现，展示 DMEPA提现 专属金标并明确标注「换算市值」'
+);
+assert(
+    adminWithdrawHtmlContent.includes("scope.row.withdraw_info_display || scope.row.withdraw_info"),
+    '打款信息列优先读取规范清洗后的 withdraw_info_display'
+);
+assert(
+    adminWithdrawHtmlContent.includes("['wallet_type', 'madow_amount', 'rate'].includes(key)"),
+    '打款信息列表格循环中过滤内部英文技术字段'
+);
+assert(
+    adminWithdrawHtmlContent.includes("['市值汇率', '换算市值', '提现资产', '扣除DMEPA'].includes(key)"),
+    '打款信息列对「市值汇率」、「换算市值」等关键要素进行金黄色强调高亮'
+);
+
+// 11. 验证 服务层 (Withdraw.php) 写入中文标准字典与退还稳健性
+console.log('\n--- 11. 服务层 (Withdraw.php) 写入「市值汇率」与「换算市值」标准字典 ---');
+assert(
+    withdrawServiceContent.includes("$withdrawInfo['市值汇率'] = '1 DMEPA ≈ ' . $rateClean . ' 元';") &&
+    withdrawServiceContent.includes("$withdrawInfo['换算市值'] = $moneyClean . ' 元';"),
+    'applyMadow 提现单据中明确写入标准中文「市值汇率」与「换算市值」'
+);
+assert(
+    withdrawServiceContent.includes("$withdrawInfo['提现资产'] = 'DMEPA';") &&
+    withdrawServiceContent.includes("$withdrawInfo['扣除DMEPA'] = $deductMadow . ' DMEPA';"),
+    'applyMadow 写入规范大写 DMEPA 与扣除资产数量说明'
+);
+
+console.log('--------------------------------------------------------');
+console.log(`测试执行结果: 通过 ${passCount} 项, 失败 ${failCount} 项`);
+console.log('========================================================\n');
+
+if (failCount > 0) {
+    process.exit(1);
+} else {
+    process.exit(0);
+}

tests/partner/verify_withdraw_methods_visibility_spec.js

@@ -0,0 +1,178 @@
+/**
+ * tests/partner/verify_withdraw_methods_visibility_spec.js
+ * 
+ * 验证提现方式选择弹窗（account-type-select.vue）与提现主页（withdraw.vue）
+ * “如果后台设置关闭的 这里隐藏掉 只有开启才显示” 业务规范自动化测试：
+ * 
+ * 1. 组件源码结构静态检查（filteredTypeList 仅渲染后台开启的提现渠道）
+ * 2. 彻底废除旧的 disabled 灰色禁用行显示，改为未开启方式完全不渲染
+ * 3. 提现主页面关闭渠道自愈与单渠道智能预选逻辑验证
+ * 4. 各种后台配置场景模拟（单银行卡、微信+银行卡、全开、全关等）
+ * 5. API 模拟测试（正常场景、业务拒绝场景、参数边界场景）
+ */
+
+const fs = require('fs');
+const path = require('path');
+const assert = require('assert');
+
+console.log('========================================================');
+console.log(' 验证：提现方式选择弹窗后台关闭项完全隐藏专项测试');
+console.log('========================================================\n');
+
+let passCount = 0;
+let failCount = 0;
+
+function runTest(title, fn) {
+  try {
+    fn();
+    console.log(`[PASS] ${title}`);
+    passCount++;
+  } catch (err) {
+    console.error(`[FAIL] ${title}`);
+    console.error(`       错误原因: ${err.message}`);
+    failCount++;
+  }
+}
+
+const rootDir = path.resolve(__dirname, '../../');
+
+// 1. 验证 uniapp/pages/pay/components/account-type-select.vue
+runTest('account-type-select.vue 源码实现 filteredTypeList 动态过滤与彻底隐藏未开启项', () => {
+  const file = path.join(rootDir, 'uniapp/pages/pay/components/account-type-select.vue');
+  assert.ok(fs.existsSync(file), 'account-type-select.vue 文件存在');
+  const content = fs.readFileSync(file, 'utf-8');
+
+  // 验证 template 中通过 filteredTypeList 遍历，而非全量 typeList
+  assert.ok(content.includes('v-for="(item, index) in filteredTypeList"'), '必须遍历 filteredTypeList');
+  assert.ok(!content.includes(':disabled="!methods.includes(item.value)"'), '严禁以 disabled 形式展示未开启的灰色提现项');
+
+  // 验证 computed 定义与过滤逻辑
+  assert.ok(content.includes('const filteredTypeList = computed('), '必须包含 filteredTypeList 计算属性');
+  assert.ok(content.includes('props.methods.includes(item.value)'), '必须根据 props.methods 严格过滤项');
+
+  // 验证空状态提示
+  assert.ok(content.includes('暂无可用的提现方式'), '包含全关闭时的友好兜底提示');
+
+  // 验证响应式同步
+  assert.ok(content.includes('function syncCurrentValue('), '包含有效提现方式同步校验函数');
+});
+
+// 2. 验证 uniapp/pages/pay/withdraw.vue 协同自愈逻辑
+runTest('withdraw.vue 规则加载后自动清理后台已关闭的提现方式并支持单方式预选', () => {
+  const file = path.join(rootDir, 'uniapp/pages/pay/withdraw.vue');
+  assert.ok(fs.existsSync(file), 'withdraw.vue 文件存在');
+  const content = fs.readFileSync(file, 'utf-8');
+
+  // 验证对已失效提现方式的清理逻辑
+  assert.ok(
+    content.includes('!data.methods.includes(state.accountInfo.type)'),
+    '当后台关闭某提现方式时，清空当前失效选中'
+  );
+  // 验证单提现方式自动预选
+  assert.ok(
+    content.includes('data.methods.length === 1'),
+    '当后台仅开启1种提现方式时，自动预选该方式'
+  );
+});
+
+// 3. 核心算法模拟测试：矩阵过滤验证
+const allTypes = [
+  { icon: 'wechat.png', title: '微信零钱', value: 'wechat' },
+  { icon: 'alipay.png', title: '支付宝账户', value: 'alipay' },
+  { icon: 'bank.png', title: '银行卡转账', value: 'bank' },
+];
+
+function filterTypeList(methods) {
+  if (!Array.isArray(methods) || methods.length === 0) return [];
+  return allTypes.filter((item) => methods.includes(item.value));
+}
+
+runTest('场景1（如用户截图）：后台仅开启银行卡，微信与支付宝必须完全隐藏', () => {
+  const result = filterTypeList(['bank']);
+  assert.strictEqual(result.length, 1);
+  assert.strictEqual(result[0].value, 'bank');
+  assert.strictEqual(result[0].title, '银行卡转账');
+  const hasWechat = result.some((r) => r.value === 'wechat');
+  const hasAlipay = result.some((r) => r.value === 'alipay');
+  assert.strictEqual(hasWechat, false, '微信零钱必须完全隐藏');
+  assert.strictEqual(hasAlipay, false, '支付宝账户必须完全隐藏');
+});
+
+runTest('场景2：后台开启微信和银行卡，支付宝关闭，仅显示微信和银行卡', () => {
+  const result = filterTypeList(['wechat', 'bank']);
+  assert.strictEqual(result.length, 2);
+  assert.deepStrictEqual(result.map(r => r.value), ['wechat', 'bank']);
+  const hasAlipay = result.some((r) => r.value === 'alipay');
+  assert.strictEqual(hasAlipay, false, '支付宝账户必须完全隐藏');
+});
+
+runTest('场景3：后台开启全部三种提现方式，三者均正常显示', () => {
+  const result = filterTypeList(['wechat', 'alipay', 'bank']);
+  assert.strictEqual(result.length, 3);
+  assert.deepStrictEqual(result.map(r => r.value), ['wechat', 'alipay', 'bank']);
+});
+
+runTest('场景4：后台关闭所有提现方式，列表为空且触发兜底', () => {
+  const result1 = filterTypeList([]);
+  assert.strictEqual(result1.length, 0);
+
+  const result2 = filterTypeList(null);
+  assert.strictEqual(result2.length, 0);
+});
+
+// 4. API 模拟测试
+runTest('API 模拟测试：pay/withdraw/rules 返回仅包含 bank 的提现规则', () => {
+  const mockRulesResponse = {
+    code: 1,
+    msg: '提现规则',
+    data: {
+      status: 1,
+      is_withdraw_open: true,
+      min_amount: '1.00',
+      max_amount: '50000.00',
+      charge_rate_format: 0.5,
+      charge_rate: 0.005,
+      methods: ['bank'],
+      auto_arrival: 0,
+    }
+  };
+
+  assert.strictEqual(mockRulesResponse.code, 1);
+  assert.deepStrictEqual(mockRulesResponse.data.methods, ['bank']);
+  const visible = filterTypeList(mockRulesResponse.data.methods);
+  assert.strictEqual(visible.length, 1);
+  assert.strictEqual(visible[0].value, 'bank');
+});
+
+runTest('API 模拟测试：提现申请发起时若渠道已被关闭，服务端拦截', () => {
+  const mockConfig = { status: 1, methods: ['bank'] };
+  function simulateApply(type) {
+    if (!mockConfig.methods.includes(type)) {
+      return { code: 3001, message: '暂不支持该提现方式' };
+    }
+    return { code: 0, message: '操作成功', data: { withdraw_sn: 'W123456789' } };
+  }
+
+  const resWechat = simulateApply('wechat');
+  assert.strictEqual(resWechat.code, 3001);
+  assert.strictEqual(resWechat.message, '暂不支持该提现方式');
+
+  const resBank = simulateApply('bank');
+  assert.strictEqual(resBank.code, 0);
+  assert.strictEqual(resBank.data.withdraw_sn, 'W123456789');
+});
+
+runTest('API 模拟测试：参数异常（非法提现方式字符串）前端与接口防穿透拦截', () => {
+  const allowed = ['bank'];
+  const testInput = 'malicious_eval_type';
+  const isAllowed = allowed.includes(testInput);
+  assert.strictEqual(isAllowed, false);
+});
+
+console.log('\n========================================================');
+console.log(`测试完成: 成功 ${passCount} 项, 失败 ${failCount} 项`);
+console.log('========================================================');
+
+if (failCount > 0) {
+  process.exit(1);
+}

tests/partner/verify_withdraw_switch_spec.js

@@ -0,0 +1,205 @@
+/**
+ * 后台提现开关与端到端提现显隐控制专项测试
+ * 覆盖范围：
+ * 1. application/admin/view/shopro/config/index.html 后台「开启提现」视图控件
+ * 2. application/admin/controller/shopro/Config.php 提现开关参数持久化
+ * 3. application/admin/model/shopro/Config.php 提现开关配置项自愈与向下兼容
+ * 4. addons/shopro/service/Withdraw.php 提现开关读取与 checkApply 拦截
+ * 5. addons/shopro/controller/Index.php 全局平台配置下发 withdraw_status
+ * 6. uniapp/pages/user/wallet/money.vue 钱包页充值改提现、开关判断与按钮显隐
+ * 7. uniapp/pages/pay/withdraw.vue 提现申请页前置校验与安全防御
+ * 8. 提现开启状态算法判定矩阵与异常拦截模拟
+ */
+
+const fs = require('fs');
+const path = require('path');
+
+let passCount = 0;
+let failCount = 0;
+
+function assert(condition, message) {
+    if (condition) {
+        console.log(` \x1b[32m[PASS]\x1b[0m ${message}`);
+        passCount++;
+    } else {
+        console.error(` \x1b[31m[FAIL]\x1b[0m ${message}`);
+        failCount++;
+    }
+}
+
+console.log('========================================================');
+console.log('  后台提现开关与端到端提现显隐控制专项测试');
+console.log('========================================================\n');
+
+// ----------------------------------------------------
+// 1. 后台视图配置 index.html 验证
+// ----------------------------------------------------
+console.log('--- 1. 后台提现配置视图 (index.html) 验证 ---');
+const adminConfigHtmlPath = path.resolve(__dirname, '../../application/admin/view/shopro/config/index.html');
+assert(fs.existsSync(adminConfigHtmlPath), 'config/index.html 文件存在');
+if (fs.existsSync(adminConfigHtmlPath)) {
+    const content = fs.readFileSync(adminConfigHtmlPath, 'utf-8');
+    assert(content.includes('form.model.withdraw'), '包含提现配置表单区域');
+    assert(content.includes('label="开启提现"'), '包含「开启提现」表单项标签');
+    assert(content.includes('v-model="form.model.withdraw.status"'), '开启提现绑定 form.model.withdraw.status');
+    assert(content.includes(':active-value="1"') && content.includes(':inactive-value="0"'), 'switch 开关 active 值为 1，inactive 值为 0');
+    assert(content.includes('关闭提现后，用户端将隐藏提现入口且禁止提现操作'), '包含明确的后台辅助说明文案');
+}
+
+// ----------------------------------------------------
+// 2. 后台配置控制器 Config.php 验证
+// ----------------------------------------------------
+console.log('\n--- 2. 后台配置控制器 (Config.php) 验证 ---');
+const adminConfigPhpPath = path.resolve(__dirname, '../../application/admin/controller/shopro/Config.php');
+assert(fs.existsSync(adminConfigPhpPath), 'Config.php 文件存在');
+if (fs.existsSync(adminConfigPhpPath)) {
+    const content = fs.readFileSync(adminConfigPhpPath, 'utf-8');
+    assert(content.includes("public function rechargeWithdraw()"), '包含 rechargeWithdraw() 配置方法');
+    assert(content.includes("isset($params['withdraw']['status'])") || content.includes("$params['withdraw']['status']"), '处理了 withdraw.status 的入参保存');
+    assert(content.includes("intval($params['withdraw']['status'])"), 'withdraw.status 转为整型保证数据严密');
+}
+
+// ----------------------------------------------------
+// 3. 模型层 Config.php 验证
+// ----------------------------------------------------
+console.log('\n--- 3. 配置模型 (app/admin/model/shopro/Config.php) 验证 ---');
+const modelConfigPhpPath = path.resolve(__dirname, '../../application/admin/model/shopro/Config.php');
+assert(fs.existsSync(modelConfigPhpPath), 'Config.php 模型文件存在');
+if (fs.existsSync(modelConfigPhpPath)) {
+    const content = fs.readFileSync(modelConfigPhpPath, 'utf-8');
+    assert(content.includes("'shop.recharge_withdraw.withdraw.status'"), 'setConfigField 支持提现开关缺失时自动补齐创建');
+    assert(content.includes("'shop.recharge_withdraw.withdraw' && !isset($config['status'])"), 'getConfigs 支持提现配置缺省 status 时的智能兼容');
+}
+
+// ----------------------------------------------------
+// 4. 服务层 Withdraw.php 与控制器验证
+// ----------------------------------------------------
+console.log('\n--- 4. 提现服务层 (Withdraw.php) 校验规则验证 ---');
+const withdrawServicePath = path.resolve(__dirname, '../../addons/shopro/service/Withdraw.php');
+assert(fs.existsSync(withdrawServicePath), 'Withdraw.php 服务文件存在');
+if (fs.existsSync(withdrawServicePath)) {
+    const content = fs.readFileSync(withdrawServicePath, 'utf-8');
+    assert(content.includes("config['is_withdraw_open'] = (bool)($config['status'] === 1 && !empty($config['methods']))"), '构造函数综合计算 is_withdraw_open 标志');
+    assert(content.includes("intval($this->config['status']) === 0"), 'checkApply 校验提现总开关');
+    assert(content.includes("empty($this->config['methods'])"), 'checkApply 校验提现方式配置非空');
+    assert(content.includes('系统提现功能已关闭'), '提现关闭时抛出面向用户的明确提示文案');
+}
+
+const indexControllerPath = path.resolve(__dirname, '../../addons/shopro/controller/Index.php');
+assert(fs.existsSync(indexControllerPath), 'Index.php 控制器存在');
+if (fs.existsSync(indexControllerPath)) {
+    const content = fs.readFileSync(indexControllerPath, 'utf-8');
+    assert(content.includes("'withdraw_status' => (bool)"), 'Index.php init 接口下发 withdraw_status');
+}
+
+// ----------------------------------------------------
+// 5. 用户端钱包资产页面 (money.vue) 对齐验证
+// ----------------------------------------------------
+console.log('\n--- 5. 用户端钱包资产页面 (money.vue) 验证 ---');
+const moneyVuePath = path.resolve(__dirname, '../../uniapp/pages/user/wallet/money.vue');
+assert(fs.existsSync(moneyVuePath), 'money.vue 文件存在');
+if (fs.existsSync(moneyVuePath)) {
+    const content = fs.readFileSync(moneyVuePath, 'utf-8');
+    assert(content.includes('v-if="state.canWithdraw"'), '提现按钮使用 state.canWithdraw 控制显隐');
+    assert(content.includes('<text>提现</text>'), '按钮文案已由「充值」改为「提现」');
+    assert(!content.includes("@tap=\"sheep.$router.go('/pages/pay/recharge')\""), '已移除直接跳转充值页面的绑定');
+    assert(content.includes('@tap="onWithdraw"'), '点击事件绑定 onWithdraw');
+    assert(content.includes("canWithdraw: false"), 'state.canWithdraw 默认设为 false 防未授权闪现');
+    assert(content.includes("async function checkWithdrawStatus()"), '实现 checkWithdrawStatus 开关校验方法');
+    assert(content.includes("sheep.$api.pay.withdraw.rules()"), '调用提现规则接口获取实时开关状态');
+    assert(content.includes("sheep.$router.go('/pages/pay/withdraw')"), '校验通过后跳转标准提现页面 /pages/pay/withdraw');
+    assert(content.includes("checkWithdrawStatus()"), 'onLoad 与 onPullDownRefresh 触发检测');
+}
+
+// ----------------------------------------------------
+// 6. 用户端申请提现页面 (withdraw.vue) 对齐验证
+// ----------------------------------------------------
+console.log('\n--- 6. 用户端申请提现页面 (withdraw.vue) 验证 ---');
+const withdrawVuePath = path.resolve(__dirname, '../../uniapp/pages/pay/withdraw.vue');
+assert(fs.existsSync(withdrawVuePath), 'withdraw.vue 文件存在');
+if (fs.existsSync(withdrawVuePath)) {
+    const content = fs.readFileSync(withdrawVuePath, 'utf-8');
+    assert(content.includes('isWithdrawOpen'), '包含 isWithdrawOpen 响应式开关状态');
+    assert(content.includes("state.isWithdrawOpen ? '确认提现' : '提现暂未开启'"), '提现关闭时按钮提示「提现暂未开启」');
+    assert(content.includes("!state.isWithdrawOpen"), '提现关闭时按钮呈现灰度禁用态并在 onConfirm 中拦截');
+}
+
+// ----------------------------------------------------
+// 7. 提现状态综合判定算法矩阵与异常拦截模拟
+// ----------------------------------------------------
+console.log('\n--- 7. 提现状态综合判定算法矩阵与异常拦截模拟 ---');
+
+function evaluateWithdrawOpen(config) {
+    const status = config.status !== undefined 
+        ? Number(config.status) 
+        : (Array.isArray(config.methods) && config.methods.length > 0 ? 1 : 0);
+    const hasMethods = Array.isArray(config.methods) && config.methods.length > 0;
+    return status === 1 && hasMethods;
+}
+
+function simulateCheckApply(config, method, amount, commission) {
+    if (config.status !== undefined && Number(config.status) === 0) {
+        throw new Error('系统提现功能已关闭');
+    }
+    if (!config.methods || config.methods.length === 0) {
+        throw new Error('暂未开启任何提现方式');
+    }
+    if (!config.methods.includes(method)) {
+        throw new Error('暂不支持该提现方式');
+    }
+    if (amount <= 0) {
+        throw new Error('请输入正确的提现金额');
+    }
+    if (commission < amount) {
+        throw new Error('可提现佣金不足');
+    }
+    return { ok: true, message: '提现申请校验通过' };
+}
+
+// 场景 1: 开启且有方式
+const case1 = evaluateWithdrawOpen({ status: 1, methods: ['wechat', 'alipay'] });
+assert(case1 === true, '场景1: status=1 且 methods 非空 => 允许提现 (显示按钮)');
+
+// 场景 2: 关闭且有方式
+const case2 = evaluateWithdrawOpen({ status: 0, methods: ['wechat', 'alipay'] });
+assert(case2 === false, '场景2: status=0 且 methods 非空 => 禁止提现 (隐藏按钮)');
+
+// 场景 3: 开启但无方式
+const case3 = evaluateWithdrawOpen({ status: 1, methods: [] });
+assert(case3 === false, '场景3: status=1 但 methods 为空 => 禁止提现 (隐藏按钮)');
+
+// 场景 4: 未配置 status 但有方式 (历史升级平滑兼容)
+const case4 = evaluateWithdrawOpen({ methods: ['bank'] });
+assert(case4 === true, '场景4: 未配置 status 但 methods 非空 => 自动兼容开启 (显示按钮)');
+
+// 场景 5: 未配置 status 且 methods 为空
+const case5 = evaluateWithdrawOpen({ methods: [] });
+assert(case5 === false, '场景5: 未配置 status 且 methods 为空 => 判定关闭 (隐藏按钮)');
+
+// 场景 6: 接口级别直接阻断测试
+let errorMsg = '';
+try {
+    simulateCheckApply({ status: 0, methods: ['wechat'] }, 'wechat', 100, 500);
+} catch (e) {
+    errorMsg = e.message;
+}
+assert(errorMsg === '系统提现功能已关闭', '直接调用接口: status=0 时被正确拦截抛出「系统提现功能已关闭」');
+
+errorMsg = '';
+try {
+    simulateCheckApply({ status: 1, methods: [] }, 'wechat', 100, 500);
+} catch (e) {
+    errorMsg = e.message;
+}
+assert(errorMsg === '暂未开启任何提现方式', '直接调用接口: methods 为空时被正确拦截抛出「暂未开启任何提现方式」');
+
+const successResult = simulateCheckApply({ status: 1, methods: ['wechat'] }, 'wechat', 100, 500);
+assert(successResult.ok === true, '直接调用接口: 条件完全满足时正常放行提现');
+
+console.log('\n========================================================');
+console.log(`测试完成！通过: ${passCount}, 失败: ${failCount}`);
+console.log('========================================================');
+
+if (failCount > 0) {
+    process.exit(1);
+}

tests/verify_wallet_money_spec.js

@@ -30,13 +30,12 @@ assert(
     '未升级为 asset-card 结构'
 );
 
-// 3. 验证余额与充值按钮
+// 3. 验证余额与资金操作按钮
 assert(
     content.includes('userInfo.money') &&
-    content.includes('/pages/pay/recharge') &&
-    content.includes('充值'),
-    '包含余额展示与充值跳转入口',
-    '缺少余额绑定或充值入口'
+    (content.includes('/pages/pay/recharge') || content.includes('onWithdraw') || content.includes('state.canWithdraw')),
+    '包含余额展示与资金操作入口',
+    '缺少余额绑定或资金操作入口'
 );
 
 // 4. 验证金额显隐切换

uniapp/pages/pay/components/account-type-select.vue

@@ -5,10 +5,10 @@
         <text class="modal-title ss-m-b-20">选择提现方式</text>
       </view>
       <view class="modal-content ss-flex-1 ss-p-b-100">
-        <radio-group @change="onChange">
+        <radio-group @change="onChange" v-if="filteredTypeList.length > 0">
           <label
             class="container-list ss-p-l-34 ss-p-r-24 ss-flex ss-col-center ss-row-center"
-            v-for="(item, index) in typeList"
+            v-for="(item, index) in filteredTypeList"
             :key="index"
           >
             <view class="container-icon ss-flex ss-m-r-20">
@@ -20,10 +20,12 @@
               :value="item.value"
               color="var(--ui-BG-Main)"
               :checked="item.value === state.currentValue"
-              :disabled="!methods.includes(item.value)"
             />
           </label>
         </radio-group>
+        <view v-else class="empty-tip ss-p-40 ss-text-center" style="padding: 40rpx; text-align: center; color: #999; font-size: 26rpx;">
+          暂无可用的提现方式
+        </view>
       </view>
       <view class="modal-footer ss-flex ss-row-center ss-col-center">
         <button class="ss-reset-button save-btn" @tap="onConfirm">确定</button>
@@ -33,7 +35,7 @@
 </template>
 
 <script setup>
-  import { reactive, onBeforeMount, nextTick } from 'vue';
+  import { reactive, onBeforeMount, computed, watch } from 'vue';
   import sheep from '@/sheep';
 
   const props = defineProps({
@@ -47,7 +49,7 @@
     },
     methods: {
       type: Array,
-      default: [],
+      default: () => [],
     },
   });
   const emits = defineEmits(['update:modelValue', 'change', 'close']);
@@ -71,23 +73,89 @@
       value: 'bank',
     },
   ];
+
+  // 仅展示后台已开启的提现方式（后台关闭的在此彻底隐藏）
+  const filteredTypeList = computed(() => {
+    if (!Array.isArray(props.methods) || props.methods.length === 0) {
+      return [];
+    }
+    return typeList.filter((item) => props.methods.includes(item.value));
+  });
+
+  function syncCurrentValue() {
+    const validMethods = Array.isArray(props.methods) ? props.methods : [];
+    // 1. 若当前已选中的值在后台开启的列表中，优先保留
+    if (props.modelValue?.type && validMethods.includes(props.modelValue.type)) {
+      state.currentValue = props.modelValue.type;
+      return;
+    }
+    // 2. 若 state.currentValue 仍属于有效开启列表，保留
+    if (state.currentValue && validMethods.includes(state.currentValue)) {
+      return;
+    }
+    // 3. 若仅有 1 种开启的提现方式，默认选中
+    if (validMethods.length === 1) {
+      state.currentValue = validMethods[0];
+      return;
+    }
+    // 4. 若开启了多种但未选择或选择已失效，且开启列表非空，默认选择首项
+    if (validMethods.length > 0 && !validMethods.includes(state.currentValue)) {
+      state.currentValue = validMethods[0];
+      return;
+    }
+    state.currentValue = '';
+  }
+
+  watch(
+    () => props.methods,
+    () => {
+      syncCurrentValue();
+    },
+    { immediate: true, deep: true }
+  );
+
+  watch(
+    () => props.modelValue,
+    () => {
+      syncCurrentValue();
+    },
+    { immediate: true, deep: true }
+  );
+
+  watch(
+    () => props.show,
+    (val) => {
+      if (val) {
+        syncCurrentValue();
+      }
+    }
+  );
+
   const getWalletAccountInfo = async () => {
+    if (!state.currentValue) return;
     return new Promise(async (resolve, reject) => {
-      let res = await sheep.$api.user.account.info({
-        type: state.currentValue,
-      });
-      if (res.code === 1) {
-        if (!props.methods.includes(res.data.type)) {
-          return;
-        }
-        state.currentValue = res.data.type;
-        emits('update:modelValue', {
-          type: res.data.type,
-          account_header: res.data.account_header,
-          account_name: res.data.account_name,
-          account_no: res.data.account_no,
+      try {
+        let res = await sheep.$api.user.account.info({
+          type: state.currentValue,
         });
-      } else {
+        if (res.code === 1) {
+          if (!props.methods.includes(res.data.type)) {
+            resolve();
+            return;
+          }
+          state.currentValue = res.data.type;
+          emits('update:modelValue', {
+            type: res.data.type,
+            account_header: res.data.account_header,
+            account_name: res.data.account_name,
+            account_no: res.data.account_no,
+          });
+        } else {
+          emits('update:modelValue', {
+            type: state.currentValue,
+          });
+        }
+      } catch (e) {
         emits('update:modelValue', {
           type: state.currentValue,
         });
@@ -105,6 +173,10 @@
       sheep.$helper.toast('请选择提现方式');
       return;
     }
+    if (!props.methods.includes(state.currentValue)) {
+      sheep.$helper.toast('该提现方式暂未开启');
+      return;
+    }
     await getWalletAccountInfo();
     emits('close');
   };
@@ -114,7 +186,10 @@
   };
 
   onBeforeMount(async () => {
-    await getWalletAccountInfo();
+    syncCurrentValue();
+    if (state.currentValue) {
+      await getWalletAccountInfo();
+    }
   });
 </script>
 

uniapp/pages/pay/withdraw.vue

@@ -1,5 +1,5 @@
 <template>
-  <s-layout title="申请提现" class="withdraw-wrap" navbar="inner">
+  <s-layout :title="state.walletType === 'madow' ? 'dmepa提现' : '申请提现'" class="withdraw-wrap" navbar="inner">
     <!-- <view class="page-bg"></view> -->
     <view
       class="wallet-num-box ss-flex ss-col-center ss-row-between"
@@ -10,7 +10,14 @@
         },
       ]"
     >
-      <view class="">
+      <view class="" v-if="state.walletType === 'madow'">
+        <view class="num-title">可提现dmepa（枚）</view>
+        <view class="wallet-num">{{ state.madowInfo.madow || '0' }}</view>
+        <view class="ss-m-t-10" style="font-size: 22rpx; color: rgba(255,255,255,0.85);">
+          预估总市值：¥{{ state.madowInfo.madow_value || '0.00' }} (1 dmepa ≈ ¥{{ state.madowInfo.madow_rate || '0' }})
+        </view>
+      </view>
+      <view class="" v-else>
         <view class="num-title">可提现佣金（元）</view>
         <view class="wallet-num">{{ userInfo.commission || '0.00' }}</view>
         <view class="ss-m-t-10" style="font-size: 22rpx; color: rgba(255,255,255,0.85);">
@@ -23,7 +30,16 @@
     </view>
     <!-- 提现输入卡片-->
     <view class="draw-card">
-      <view class="card-title">提现金额</view>
+      <view class="card-title ss-flex ss-row-between ss-col-center">
+        <text>提现金额</text>
+        <text
+          v-if="state.walletType === 'madow' && Number(state.madowInfo.madow_value) > 0"
+          style="font-size: 24rpx; color: #b78328; font-weight: 500;"
+          @tap="onWithdrawAllMadow"
+        >
+          全部提现
+        </text>
+      </view>
       <view class="input-box ss-flex ss-col-center border-bottom">
         <view class="unit">￥</view>
         <uni-easyinput
@@ -34,14 +50,20 @@
           placeholder="请输入提现金额"
         />
       </view>
-      <view class="bank-box ss-flex ss-col-center ss-row-between ss-m-b-30">
+      <view
+        v-if="state.walletType === 'madow' && Number(state.amount) > 0"
+        style="padding: 12rpx 0 16rpx; font-size: 22rpx; color: #999;"
+      >
+        预计扣除约 {{ estimatedDeductMadow }} dmepa（实时汇率 1 dmepa ≈ ¥{{ state.madowInfo.madow_rate || '0' }}）
+      </view>
+      <view class="bank-box ss-flex ss-col-center ss-row-between ss-m-b-30" :style="state.walletType === 'madow' && Number(state.amount) > 0 ? 'margin-top: 10rpx;' : ''">
         <view class="name">提现至</view>
         <view class="bank-list ss-flex ss-col-center" @tap="onAccountSelect(true)">
           <view v-if="!state.accountInfo.type" class="empty-text">请选择提现方式</view>
           <view v-if="state.accountInfo.type === 'wechat'" class="empty-text">微信零钱</view>
           <view v-if="state.accountInfo.type === 'alipay'" class="empty-text">支付宝账户</view>
           <view v-if="state.accountInfo.type === 'bank'" class="empty-text">银行卡转账</view>
-          <text class="cicon-forward"></text>
+          <text class="cicon-forward" v-if="state.walletType !== 'madow'"></text>
         </view>
       </view>
       <view class="bind-box ss-flex ss-col-center ss-row-between" v-if="state.accountInfo.type">
@@ -53,17 +75,24 @@
           {{ state.accountInfo.account_name ? '修改' : '添加' }}
         </button>
       </view>
-      <button class="ss-reset-button save-btn ui-BG-Main-Gradient ui-Shadow-Main" @tap="onConfirm">
-        确认提现
+      <button
+        class="ss-reset-button save-btn ui-BG-Main-Gradient ui-Shadow-Main"
+        :style="!state.isWithdrawOpen ? 'opacity: 0.6; filter: grayscale(1);' : ''"
+        @tap="onConfirm"
+      >
+        {{ state.isWithdrawOpen ? '确认提现' : '提现暂未开启' }}
       </button>
     </view>
 
     <!-- 提现说明 -->
     <view class="draw-notice">
       <view class="title ss-m-b-20">提现说明</view>
-      <view class="tip-banner ss-m-b-20" style="background: #fff8f2; color: #ff6000; font-size: 22rpx; padding: 16rpx 20rpx; border-radius: 12rpx; line-height: 1.5;">
+      <view class="tip-banner ss-m-b-20" v-if="state.walletType !== 'madow'" style="background: #fff8f2; color: #ff6000; font-size: 22rpx; padding: 16rpx 20rpx; border-radius: 12rpx; line-height: 1.5;">
         💡 提示：商城收益分成已全额直接入账商城余额，可用于下单直接抵扣。历史存量佣金可转入商城余额消费。
       </view>
+      <view class="tip-banner ss-m-b-20" v-else style="background: #fdfbf7; color: #b78328; font-size: 22rpx; padding: 16rpx 20rpx; border-radius: 12rpx; line-height: 1.5;">
+        💡 提示：dmepa 按大盘实时汇率折算为现金扣除持仓，提现渠道限定为银行卡转账。审核驳回后对应 dmepa 将全额原路退回。
+      </view>
       <view class="draw-list" v-for="(rule, index) in state.rulesList" :key="index">
         {{ index + 1 }}.{{ rule }}
       </view>
@@ -75,7 +104,7 @@
       @close="onAccountSelect(false)"
       round="10"
       v-model="state.accountInfo"
-      :methods="state.rules.methods"
+      :methods="state.walletType === 'madow' ? ['bank'] : state.rules.methods"
     />
     <!-- 编辑账户信息 -->
     <account-info-modal
@@ -90,11 +119,10 @@
 
 <script setup>
   import { computed, reactive, onBeforeMount } from 'vue';
-  import { onShow } from '@dcloudio/uni-app';
+  import { onShow, onLoad, onPageScroll } from '@dcloudio/uni-app';
   import sheep from '@/sheep';
   import accountTypeSelect from './components/account-type-select.vue';
   import accountInfoModal from './components/account-info-modal.vue';
-  import { onPageScroll } from '@dcloudio/uni-app';
 
   const headerBg = sheep.$url.css('/assets/addons/shopro/uniapp/user/withdraw_bg.png');
   onPageScroll(() => {});
@@ -131,11 +159,19 @@
   const userStore = sheep.$store('user');
   const userInfo = computed(() => userStore.userInfo);
   const state = reactive({
+    walletType: '',
     amount: '',
     type: '',
     accountInfo: {},
     accountSelect: false,
     accountEdit: false,
+    madowInfo: {
+      madow: '0',
+      madow_rate: '0',
+      madow_value: '0.00',
+      can_withdraw_madow: 1,
+      madow_withdraw_min: 1,
+    },
     rules: {
       min_amount: 0,
       max_amount: 0,
@@ -146,8 +182,63 @@
       methods: [],
     },
     rulesList: [],
+    isWithdrawOpen: true,
   });
 
+  const estimatedDeductMadow = computed(() => {
+    if (!state.amount || !state.madowInfo.madow_rate || Number(state.madowInfo.madow_rate) <= 0) return '0.0000';
+    const deduct = Number(state.amount) / Number(state.madowInfo.madow_rate);
+    return deduct.toFixed(4);
+  });
+
+  function onWithdrawAllMadow() {
+    if (state.madowInfo.madow_value) {
+      state.amount = String(state.madowInfo.madow_value);
+    }
+  }
+
+  async function fetchUserBankAccount() {
+    try {
+      let res = await sheep.$api.user.account.info({
+        type: 'bank',
+      });
+      if (res?.code === 1 && res.data) {
+        state.accountInfo = {
+          type: 'bank',
+          account_header: res.data.account_header,
+          account_name: res.data.account_name,
+          account_no: res.data.account_no,
+        };
+      }
+    } catch (e) {}
+  }
+
+  async function getMadowInfo() {
+    try {
+      const res = await sheep.$api.partner.madow();
+      if (res?.code === 1 && res.data) {
+        state.madowInfo = {
+          madow: res.data.madow || '0',
+          madow_rate: res.data.madow_rate || '0',
+          madow_value: res.data.madow_value || '0.00',
+          can_withdraw_madow: res.data.can_withdraw_madow ?? 1,
+          madow_withdraw_min: res.data.madow_withdraw_min ?? 1,
+        };
+        const isOpen = state.madowInfo.can_withdraw_madow !== 0 && state.madowInfo.can_withdraw_madow !== false;
+        state.isWithdrawOpen = Boolean(isOpen);
+        if (!state.isWithdrawOpen) {
+          sheep.$helper.toast('dmepa提现暂未开启');
+        }
+        state.rulesList = [
+          `dmepa按大盘实时市值换算扣除（当前 1 dmepa ≈ ¥${state.madowInfo.madow_rate}）；`,
+          `单次提现金额最低 ${state.madowInfo.madow_withdraw_min || 1} 元；`,
+          '提现仅支持打款至银行卡，申请提交后由财务人工审核；',
+          '审核驳回或打款失败后，对应dmepa将全额原路退还至账户持仓。',
+        ];
+      }
+    } catch (e) {}
+  }
+
   const onAccountEdit = (e) => {
     state.accountEdit = e;
   };
@@ -157,19 +248,43 @@
   };
 
   const onConfirm = async () => {
+    if (!state.isWithdrawOpen) {
+      sheep.$helper.toast(state.walletType === 'madow' ? 'dmepa提现暂未开启' : '系统提现功能暂未开启');
+      return;
+    }
+
     let payload = {
       money: state.amount,
       ...state.accountInfo,
     };
 
-    if (payload.money > userInfo.commission || payload.money <= 0) {
-      sheep.$helper.toast('请输入正确的提现金额');
-      return;
-    }
+    if (state.walletType === 'madow') {
+      payload.wallet_type = 'madow';
+      payload.type = 'bank';
 
-    if (!payload.type) {
-      sheep.$helper.toast('请选择提现方式');
-      return;
+      if (Number(payload.money) <= 0) {
+        sheep.$helper.toast('请输入正确的提现金额');
+        return;
+      }
+      const minMadowCny = Number(state.madowInfo.madow_withdraw_min || 1);
+      if (minMadowCny > 0 && Number(payload.money) < minMadowCny) {
+        sheep.$helper.toast(`最低提现金额为 ${minMadowCny} 元`);
+        return;
+      }
+      if (Number(payload.money) > Number(state.madowInfo.madow_value || 0)) {
+        sheep.$helper.toast('提现金额超出持有dmepa可用市值');
+        return;
+      }
+    } else {
+      if (payload.money > userInfo.commission || payload.money <= 0) {
+        sheep.$helper.toast('请输入正确的提现金额');
+        return;
+      }
+
+      if (!payload.type) {
+        sheep.$helper.toast('请选择提现方式');
+        return;
+      }
     }
 
     if (!payload.account_name || !payload.account_header || !payload.account_no) {
@@ -189,6 +304,13 @@
     if (code === 1) {
       // 刷新用户佣金余额
       userStore.getInfo();
+      if (state.walletType === 'madow') {
+        getMadowInfo();
+        sheep.$helper.toast('提现申请已提交，等待审核打款');
+        setTimeout(() => {
+          sheep.$router.go('/pages/pay/withdraw-log');
+        }, 1500);
+      }
 
       if (payload.type === 'wechat') {
         sheep.$platform.useProvider('wechat').transfer(data.transfer_data);
@@ -200,16 +322,57 @@
     let { code, data } = await sheep.$api.pay.withdraw.rules();
     if (code === 1) {
       state.rules = data;
-      state.rulesList = filterRules(state.rules);
+      if (state.walletType !== 'madow') {
+        state.rulesList = filterRules(state.rules);
+        const isOpen = (data.status === undefined || Number(data.status) === 1)
+          && Array.isArray(data.methods)
+          && data.methods.length > 0;
+        state.isWithdrawOpen = Boolean(isOpen);
+        if (!state.isWithdrawOpen) {
+          sheep.$helper.toast('系统提现功能暂未开启');
+        }
+        // 如果当前选中的方式已被后台关闭，清空该选择
+        if (state.accountInfo.type && Array.isArray(data.methods) && !data.methods.includes(state.accountInfo.type)) {
+          state.accountInfo = {};
+        }
+        // 若当前未选择提现方式，且后台仅开启了 1 种提现方式，默认选中该方式并自动读取对应账户
+        if (!state.accountInfo.type && Array.isArray(data.methods) && data.methods.length === 1) {
+          const onlyType = data.methods[0];
+          state.accountInfo.type = onlyType;
+          try {
+            let res = await sheep.$api.user.account.info({ type: onlyType });
+            if (res?.code === 1 && res.data) {
+              state.accountInfo = {
+                type: onlyType,
+                account_header: res.data.account_header,
+                account_name: res.data.account_name,
+                account_no: res.data.account_no,
+              };
+            }
+          } catch (e) {}
+        }
+      }
     }
   }
 
+  onLoad(async (options) => {
+    if (options?.type === 'madow') {
+      state.walletType = 'madow';
+      state.accountInfo.type = 'bank';
+      await getMadowInfo();
+      fetchUserBankAccount();
+    }
+  });
+
   onBeforeMount(() => {
     getWithdrawRules();
   });
 
   onShow(() => {
     userStore.getInfo();
+    if (state.walletType === 'madow') {
+      getMadowInfo();
+    }
   });
 </script>
 

uniapp/pages/user/wallet/money.vue

@@ -7,7 +7,6 @@
         <view class="card-top ss-flex ss-row-between ss-col-center">
           <view class="top-tag ss-flex ss-col-center">
             <text class="tag-badge">现金资产</text>
-            <text class="top-title">账户钱包余额</text>
           </view>
           <view
             class="eye-btn ss-flex ss-col-center"
@@ -29,23 +28,15 @@
             <text class="hero-unit">元</text>
           </view>
           <button
+            v-if="state.canWithdraw"
             class="ss-reset-button topup-btn ss-flex ss-row-center ss-col-center"
-            @tap="sheep.$router.go('/pages/pay/recharge')"
+            @tap="onWithdraw"
           >
             <text class="cicon-moneybag ss-m-r-6"></text>
-            <text>充值</text>
+            <text>提现</text>
           </button>
         </view>
 
-        <!-- 动态指示胶囊 -->
-        <view class="rate-capsule ss-flex ss-row-between ss-col-center">
-          <view class="capsule-left ss-flex ss-col-center">
-            <text class="capsule-dot"></text>
-            <text class="capsule-text">线上充值与收益分成全额入账 · 下单直接抵扣</text>
-          </view>
-          <text class="capsule-tag">即时可用</text>
-        </view>
-
         <!-- 底部数据栏：当前周期总收入 / 总支出 -->
         <view class="card-footer ss-flex ss-row-between ss-col-center">
           <view class="footer-metric">
@@ -173,6 +164,7 @@
 
   const state = reactive({
     showMoney: true,
+    canWithdraw: false,
     date: [],
     currentTab: 0,
     pagination,
@@ -210,6 +202,32 @@
     }
   });
 
+  async function checkWithdrawStatus() {
+    try {
+      const appStore = sheep.$store('app');
+      if (appStore?.platform && typeof appStore.platform.withdraw_status === 'boolean') {
+        state.canWithdraw = appStore.platform.withdraw_status;
+      }
+      const res = await sheep.$api.pay.withdraw.rules();
+      if (res?.code === 1 && res.data) {
+        const isOpen = (res.data.status === undefined || Number(res.data.status) === 1)
+          && Array.isArray(res.data.methods)
+          && res.data.methods.length > 0;
+        state.canWithdraw = Boolean(isOpen);
+      }
+    } catch (e) {
+      state.canWithdraw = false;
+    }
+  }
+
+  function onWithdraw() {
+    if (!state.canWithdraw) {
+      sheep.$helper.toast('暂未开启提现功能');
+      return;
+    }
+    sheep.$router.go('/pages/pay/withdraw');
+  }
+
   async function getLogList(page = 1, list_rows = 10) {
     state.loadStatus = 'loading';
     try {
@@ -239,11 +257,13 @@
     state.today = dayjs().format('YYYY-MM-DD');
     state.date = [state.today, state.today];
     sheep.$store('user').getInfo();
+    checkWithdrawStatus();
     getLogList(1);
   });
 
   onPullDownRefresh(async () => {
     await sheep.$store('user').getInfo();
+    await checkWithdrawStatus();
     await getLogList(1);
     uni.stopPullDownRefresh();
   });
@@ -318,14 +338,6 @@
             padding: 4rpx 14rpx;
             border-radius: 8rpx;
             font-weight: 600;
-            margin-right: 12rpx;
-          }
-
-          .top-title {
-            font-size: 26rpx;
-            color: rgba(255, 255, 255, 0.85);
-            font-weight: 400;
-            letter-spacing: 1rpx;
           }
         }
 
@@ -393,39 +405,6 @@
         }
       }
 
-      /* 胶囊指示栏 */
-      .rate-capsule {
-        margin-top: 24rpx;
-        background: rgba(244, 211, 151, 0.1);
-        border: 1rpx solid rgba(244, 211, 151, 0.22);
-        border-radius: 12rpx;
-        padding: 14rpx 20rpx;
-        position: relative;
-        z-index: 2;
-
-        .capsule-left {
-          .capsule-dot {
-            width: 10rpx;
-            height: 10rpx;
-            border-radius: 50%;
-            background-color: #eabf76;
-            margin-right: 12rpx;
-            box-shadow: 0 0 8rpx #eabf76;
-          }
-
-          .capsule-text {
-            font-size: 24rpx;
-            color: #fce8bf;
-            font-weight: 500;
-          }
-        }
-
-        .capsule-tag {
-          font-size: 20rpx;
-          color: #f7d598;
-          opacity: 0.85;
-        }
-      }
 
       /* 底部收支汇总栏 */
       .card-footer {