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/domain/recharge_test.dart

@@ -0,0 +1,49 @@
+// 功能描述：充值金额精度、协议完整性和到账事实校验；版本：1.0.0。
+import 'package:flutter_test/flutter_test.dart';
+import 'package:user_app/domain/models/recharge.dart';
+
+void main() {
+  test('金额按十进制精确转分，拒绝超精度和指数输入', () {
+    expect(parseRechargeAmount('0.29'), 29);
+    expect(parseRechargeAmount(' 100.1 '), 10010);
+    expect(parseRechargeAmount('999999999.99'), 99999999999);
+    for (final value in ['-1', '1e2', '1.001', '.5', '1.', 'NaN', '']) {
+      expect(parseRechargeAmount(value), isNull, reason: value);
+    }
+  });
+
+  test('只有钱包充值完成状态才表示到账', () {
+    RechargeRecord record(int status, int? paymentStatus) => RechargeRecord.fromJson({
+      'identity': 'recharge-1',
+      'amount': 10000,
+      'recharge_status': status,
+      'payment_status': paymentStatus,
+      'created_at': '2026-09-11T00:00:00Z',
+    });
+    expect(record(10, 23).credited, isFalse);
+    expect(record(10, 30).statusText, '支付已关闭，未入账');
+    expect(record(23, null).credited, isTrue);
+    expect(record(23, 30).statusText, '已到账');
+  });
+
+  test('缺少协议允许读取配置，残缺协议必须拒绝', () {
+    final json = <String, Object?>{'min_amount': 1, 'max_amount': 500000, 'channels': <Object>[]};
+    expect(RechargeOptions.fromJson(json).agreement, isNull);
+    for (final identity in ['', '  ']) {
+      expect(
+        () => RechargeOptions.fromJson({
+          ...json,
+          'agreement': {
+            'identity': identity,
+            'version': 1,
+            'body': '协议正文',
+          },
+        }),
+        throwsFormatException,
+      );
+    }
+    expect(() => RechargeOptions.fromJson({...json, 'min_amount': 0}), throwsFormatException);
+    expect(() => RechargeOptions.fromJson({...json, 'max_amount': 0}), throwsFormatException);
+    expect(() => rechargeCents(1.5), throwsFormatException);
+  });
+}