refactor(arch): 落地平台架构演进第一二阶段整改，消除OOM与越权风险并支持高并发缓冲与AI多租户BYOK

- [P0安全底座] 多租户数据闭环：公开留资与雷达足迹自动逆向追溯绑定名片 tenantId 与归属销售 userId
- [P0性能稳定] 消除内存全量加载：公海池分批带条件扫描回收，雷达国家分布改用 SQL 原生 GROUP BY 聚合查询彻底消除 OOM 隐患
- [P0商业变现] 商业化配额门禁切面：在 Cool-Admin modifyBefore 生命周期织入 assertQuotaAvailable 校验，阻断超额名片创建
- [P0环境解耦] 客户端解耦本地硬编码：request.uts 支持 api_base_url 本地覆盖，生产数据库名修正为 crmmpdata
- [P1高并发削峰] 雷达足迹批量缓冲引擎：引入 CrmRadarBufferService 环形缓冲队列与阈值/定时批量 Bulk Insert 落盘
- [P2中枢租户化] AI 智能中枢多租户 BYOK 与 Token 成本风控：支持企业自带 Key 隔离、Token 消耗账本、用量配额门禁与名片人设个性化联动
- [跨端规范] 对齐 Uni-app x 移动微官网原生首屏与底部原生 tabBar 规范
- [测试驱动] 全工程 116 个测试套件，1,175 个单元与集成测试用例全部 100% 绿色通过，管理后台 Vite 打包无错误

backend/test/modules/ai/chat.test.ts

@@ -217,4 +217,75 @@ describe('T36: 名片 AI 顾问对话 (modules/ai chat)', () => {
       expect(methods).toContain('ask');
     });
   });
+
+  describe('4. 多租户 BYOK 与 AI 人设顾问联动', () => {
+    let service: AiChatService;
+
+    beforeEach(() => {
+      service = new AiChatService();
+    });
+
+    it('根据 cardId 自动回溯租户 tenantId 并透传至 chatCompletion', async () => {
+      const mockDeepSeek = {
+        isConfigured: jest.fn().mockReturnValue(true),
+        chatCompletion: jest.fn().mockResolvedValue('租户专用模型回复'),
+      };
+      const mockCardRepo = {
+        findOne: jest.fn().mockResolvedValue({ id: 88, tenantId: 999 }),
+      };
+
+      service.deepSeekService = mockDeepSeek as any;
+      service.cardInfoEntity = mockCardRepo as any;
+
+      const res = await service.ask({
+        cardId: 88,
+        messages: [{ role: 'user', content: '您好' }],
+      });
+
+      expect(res.reply).toBe('租户专用模型回复');
+      expect(mockDeepSeek.chatCompletion).toHaveBeenCalledWith(
+        expect.objectContaining({
+          messages: expect.any(Array),
+        }),
+        expect.any(String),
+        999
+      );
+    });
+
+    it('注入 AiConciergeService 时将个性化人设编排进 system prompt', async () => {
+      const mockDeepSeek = {
+        isConfigured: jest.fn().mockReturnValue(true),
+        chatCompletion: jest.fn().mockResolvedValue('人设定制回复'),
+      };
+      const mockConcierge = {
+        getByCardId: jest.fn().mockResolvedValue({
+          cardId: 66,
+          personaType: 'tech_advisor',
+          promptTemplate: '你是一名资深技术顾问',
+          welcomeMsg: '欢迎咨询',
+        }),
+      };
+
+      service.deepSeekService = mockDeepSeek as any;
+      service.aiConciergeService = mockConcierge as any;
+
+      await service.ask({
+        cardId: 66,
+        messages: [{ role: 'user', content: '系统架构是怎样的？' }],
+      });
+
+      expect(mockDeepSeek.chatCompletion).toHaveBeenCalledWith(
+        expect.objectContaining({
+          messages: expect.arrayContaining([
+            expect.objectContaining({
+              role: 'system',
+              content: expect.stringContaining('你是一名资深技术顾问'),
+            }),
+          ]),
+        }),
+        expect.any(String),
+        undefined
+      );
+    });
+  });
 });