```

feat(wallet): 用户提交时直连汇付API优化流程

- 移除数据库事务包装汇付API调用，避免长耗时锁表问题
- 用户提交申请时直接连接汇付服务，不再仅保存草稿等待后台处理
- 修改汇付重提交方法名为resubmit以明确区分不同操作
- 更新异常处理机制，增加Throwable捕获确保错误正确处理
- 调整提交成功后的消息提示内容，准确反映当前处理状态

fix(agent): 代理申请流程汇付集成优化

- 统一汇付进件提交失败的消息提示文本
- 优化代理申请状态判断逻辑，根据汇付载荷存在性决定提交方式
- 更新区域代理申请成功提示，区分已提交汇付和待提交场景
- 修复业务审核通过后的汇付提交触发机制

docs(huifu): 更新汇付进件相关文档说明

- 修改后台管理界面描述，体现用户直连汇付的新流程
- 更新业务审核状态下的操作指引说明
- 调整汇付网关类的方法注释，明确各方法职责变化
- 修正canSaveHuifuDraft方法注释，说明字段兼容性和新功能
```

addons/shopro/controller/UserWalletApply.php

@@ -105,19 +105,19 @@ class UserWalletApply extends Base
         $resubmit = false;
 
         try {
-            \think\Db::transaction(function () use ($bindings, $userId, $form, $service, &$did, &$resubmit) {
-                foreach ($bindings as $binding) {
-                    $huifu = $binding['huifu_onboard'];
-                    if (!empty($huifu['can_submit'])) {
-                        $service->submit($userId, $binding['role_type'], $binding['role_ref_id'], $form);
-                        $did = true;
-                        $resubmit = true;
-                    } elseif (!empty($huifu['can_save_draft'])) {
-                        $service->saveDraft($userId, $binding['role_type'], $binding['role_ref_id'], $form);
-                        $did = true;
-                    }
+            // 汇付 API 不放在 DB 事务内，避免长耗时锁表
+            foreach ($bindings as $binding) {
+                $huifu = $binding['huifu_onboard'];
+                if (!empty($huifu['can_submit'])) {
+                    $service->resubmit($userId, $binding['role_type'], $binding['role_ref_id'], $form);
+                    $did = true;
+                    $resubmit = true;
+                } elseif (!empty($huifu['can_save_draft'])) {
+                    // 用户提交即直连汇付（不再只存 draft 等后台/定时任务）
+                    $service->submit($userId, $binding['role_type'], $binding['role_ref_id'], $form);
+                    $did = true;
                 }
-            });
+            }
         } catch (\InvalidArgumentException $e) {
             $this->error($e->getMessage());
         } catch (\RuntimeException $e) {
@@ -125,6 +125,11 @@ class UserWalletApply extends Base
                 ? \addons\shopro_huifu\library\onboard\HuifuOnboardError::translate($e->getMessage())
                 : $e->getMessage();
             $this->error($msg);
+        } catch (\Throwable $e) {
+            $msg = class_exists('\\addons\\shopro_huifu\\library\\onboard\\HuifuOnboardError')
+                ? \addons\shopro_huifu\library\onboard\HuifuOnboardError::translate($e->getMessage())
+                : $e->getMessage();
+            $this->error($msg ?: '提交汇付进件失败');
         }
 
         if (!$did) {
@@ -133,7 +138,7 @@ class UserWalletApply extends Base
 
         $msg = $resubmit
             ? '汇付进件已重新提交，请耐心等待审核'
-            : '进件资料已提交，请等待后台审核；审核通过后将自动提交汇付';
+            : '已提交汇付进件，请耐心等待审核';
         $this->success($msg, $this->resolveWalletOnboard($userId));
     }
 

addons/shopro/controller/commission/Agent.php

@@ -289,7 +289,7 @@ class Agent extends Commission
                 try {
                     \think\Hook::listen('shopro_commission_apply_after', $hookParams);
                 } catch (\Throwable $e) {
-                    $failMsg = $huifuResubmit ? '汇付进件提交失败' : '进件资料保存失败';
+                    $failMsg = '汇付进件提交失败';
                     $this->error($e->getMessage() ?: $failMsg);
                 }
             }
@@ -297,13 +297,13 @@ class Agent extends Commission
 
         if ($huifuResubmit) {
             $msg = '汇付进件已重新提交，请耐心等待审核';
-        } elseif ($canSaveHuifuDraft && !$applyStatus) {
-            $msg = '进件资料已保存，请等待后台审核；审核通过后将自动提交汇付';
+        } elseif (!empty($huifuPayload)) {
+            $msg = '申请已提交，汇付进件已同步提交，请耐心等待审核';
         } else {
             $msg = '申请已提交，请等待后台审核';
             if (class_exists('\\addons\\shopro_huifu\\library\\onboard\\HuifuOnboardGate')
                 && \addons\shopro_huifu\library\onboard\HuifuOnboardGate::isOnboardRequired()) {
-                $msg = '申请已提交，请等待后台审核；审核通过后请到「提现」页绑定进件资料';
+                $msg = '申请已提交，请等待后台审核；通过后请到「提现」页完成汇付进件';
             }
         }
         $this->success($msg, null);

addons/shopro/controller/regional_agent/Agent.php

@@ -119,11 +119,16 @@ class Agent extends RegionalAgent
 
         if ($status === AgentModel::STATUS_PENDING) {
             $msg = $huifuRequired
-                ? '申请已提交，请等待后台审核；审核通过后请到「提现」页绑定进件资料'
+                ? (!empty($huifuOnboard)
+                    ? '申请已提交，汇付进件已同步提交，请耐心等待审核'
+                    : '申请已提交，请等待后台审核；通过后请到「提现」页完成汇付进件')
                 : '申请已提交，请等待后台审核';
         } else {
             $msg = '申请已通过，您已成为该区域公司';
-            if ($huifuRequired && class_exists('\\addons\\shopro_huifu\\library\\onboard\\HuifuOnboardGate')) {
+            if ($huifuRequired && !empty($huifuOnboard)) {
+                $msg = '申请已通过，汇付进件已同步提交，请耐心等待审核';
+            } elseif ($huifuRequired && class_exists('\\addons\\shopro_huifu\\library\\onboard\\HuifuOnboardGate')) {
+                // 无随申请提交资料时，兜底尝试提交历史 draft
                 \addons\shopro_huifu\library\onboard\HuifuOnboardGate::submitOnBusinessApproved(
                     $userId,
                     'regional_agent',