已完成用户APP首期功能开发

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

apps/user_app/test/data/wallet_bill_test.dart

@@ -0,0 +1,73 @@
+// 功能描述：账单金额严格解析、筛选请求和过期会话保护；版本：1.0.0。
+import 'package:flutter_test/flutter_test.dart';
+import 'package:http/http.dart' as http;
+import 'package:http/testing.dart';
+import 'package:user_app/data/repositories/client_repository.dart';
+import 'package:user_app/data/services/api_client.dart';
+import 'package:user_app/domain/models/wallet_bill.dart';
+
+void main() {
+  test('钱包缺失或小数金额不能显示为零余额', () async {
+    for (final data in [
+      '{}',
+      '{"balance":1.5,"withdrawal_balance":0}',
+      '{"balance":0,"withdrawal_balance":1}',
+    ]) {
+      final repo = ClientRepository(
+        ApiClient(
+          () => 't',
+          client: MockClient((_) async => http.Response('{"code":0,"details":$data}', 200)),
+        ),
+      );
+      await expectLater(repo.wallet(), throwsA(isA<ApiException>()));
+    }
+  });
+  final valid = <String, Object?>{
+    'identity': 'r1',
+    'direction': 'expense',
+    'amount': 100,
+    'fee': 0,
+    'balance_after': 500,
+    'created_at': '2026-09-08T08:00:00Z',
+  };
+  test('金额和收支不推测、不截断为整数', () {
+    expect(WalletBill.fromJson(valid).signedAmount, '-¥1.00');
+    for (final patch in [
+      {'amount': 1.5},
+      {'amount': -1},
+      {'fee': '0'},
+      {'direction': 'unknown'},
+      {'created_at': ''},
+    ]) {
+      expect(() => WalletBill.fromJson({...valid, ...patch}), throwsFormatException);
+    }
+  });
+  test('账单筛选和游标传递，不将错误响应当空列表', () async {
+    final repo = ClientRepository(
+      ApiClient(
+        () => 't',
+        client: MockClient((r) async {
+          expect(r.url.queryParameters, {'direction': 'income', 'cursor': '50'});
+          return http.Response('{"code":0,"details":{}}', 200);
+        }),
+      ),
+    );
+    await expectLater(
+      repo.walletBills(direction: 'income', cursor: '50'),
+      throwsA(isA<ApiException>()),
+    );
+  });
+  test('切换账户后迟到的账单不可显示', () async {
+    var token = 'alice';
+    final repo = ClientRepository(
+      ApiClient(
+        () => token,
+        client: MockClient((r) async {
+          token = 'bob';
+          return http.Response('{"code":0,"details":{"items":[],"next_cursor":""}}', 200);
+        }),
+      ),
+    );
+    await expectLater(repo.walletBills(), throwsA(isA<SessionExpiredException>()));
+  });
+}