@seasonkoh/webaz 0.1.28 → 0.1.30

package/dist/pwa/public/app-direct-pay-deferral-admin.js

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+// Direct Pay (Rail 1) — ADMIN 缓交(deferred base-bond)审批队列 (PR-②c)。UI ONLY。
+//   ROOT admin 审批商户的缓交申请:列出 pending,批准(设压低额度系数 + 宽限天数)或拒绝。
+//   铁律:批准/拒绝是 RISK 动作 → 必须真人 Passkey(requestPasskeyGate),purpose_data 绑定【完整条款】
+//   (deferral_id + reduced_quota_factor + grace_days),与请求体逐字一致;agent 无 Passkey 凭证会被后端硬拒。
+//   纯前端:只调既有受门控端点 GET/POST /api/admin/direct-receive/deferrals[/:id/approve|reject];
+//   不碰 wallet/escrow/settlement/refund;授予绝不自动(approveDeferral 是唯一 writer,后端 ROOT+Passkey 强制)。
+
+window.renderAdminDirectPayDeferrals = async function (app) {
+  if (!state.user) { renderLogin(); return }
+  if (!isAdmin()) { app.innerHTML = shell(`<div class="alert alert-info">${t('仅限管理员')}</div>`, 'admin'); return }
+  app.innerHTML = shell(loading$(), 'admin')
+  const data = await GET('/admin/direct-receive/deferrals?status=pending')
+  if (!data || data.error) { app.innerHTML = shell(alert$('error', (data && data.error) || t('加载失败')), 'admin'); return }
+  const rows = (data.deferrals || [])
+  const list = rows.length ? rows.map(d => `
+    <div class="card" style="margin-bottom:10px">
+      <div style="font-size:11px;color:#9ca3af">${escHtml(d.user_id)} · ${fmtTime(d.created_at)}</div>
+      <div style="font-size:13px;margin-top:6px">${t('缓交期(天)')}: <strong>${d.period_days}</strong></div>
+      ${d.reason ? `<div style="font-size:12px;color:#6b7280;margin-top:6px;padding:6px;background:#f9fafb;border-radius:4px">${escHtml(d.reason)}</div>` : ''}
+      <div style="display:flex;gap:6px;margin-top:10px">
+        <button class="btn btn-primary btn-sm" style="font-size:12px" onclick="toggleInline('dfr-approve-${d.id}')">✓ ${t('批准')}</button>
+        <button class="btn btn-outline btn-sm" style="font-size:12px;color:#dc2626;border-color:#dc2626" onclick="toggleInline('dfr-reject-${d.id}')">✗ ${t('拒绝')}</button>
+      </div>
+      <div id="dfr-approve-${d.id}" style="display:none;margin-top:10px;padding:10px;background:#f0fdf4;border:1px solid #86efac;border-radius:6px">
+        <div style="font-size:12px;font-weight:600;color:#166534;margin-bottom:6px">✓ ${t('批准缓交(需真人 Passkey)')}</div>
+        <div style="font-size:11px;color:#6b7280;margin-bottom:6px">${t('缓交期额度系数(0–1,留空用默认;缓交期内必压低,有下限)')}</div>
+        <input id="dfr-approve-factor-${d.id}" type="number" min="0" max="1" step="0.05" placeholder="${t('额度系数(如 0.5)')}" style="width:100%;padding:6px;border:1px solid #d1d5db;border-radius:4px;font-size:12px;margin-bottom:6px">
+        <input id="dfr-approve-grace-${d.id}" type="number" min="0" placeholder="${t('宽限天数(留空用默认)')}" style="width:100%;padding:6px;border:1px solid #d1d5db;border-radius:4px;font-size:12px;margin-bottom:6px">
+        <div style="display:flex;gap:6px">
+          <button class="btn btn-outline btn-sm" style="font-size:11px" onclick="toggleInline('dfr-approve-${d.id}')">${t('取消')}</button>
+          <button class="btn btn-primary btn-sm" style="font-size:11px" onclick="doApproveDeferralInline('${d.id}')">${t('真人确认批准')}</button>
+        </div>
+      </div>
+      <div id="dfr-reject-${d.id}" style="display:none;margin-top:10px;padding:10px;background:#fef2f2;border:1px solid #fca5a5;border-radius:6px">
+        <div style="font-size:12px;font-weight:600;color:#991b1b;margin-bottom:6px">✗ ${t('拒绝缓交(需真人 Passkey)')}</div>
+        <div style="display:flex;gap:6px">
+          <button class="btn btn-outline btn-sm" style="font-size:11px" onclick="toggleInline('dfr-reject-${d.id}')">${t('取消')}</button>
+          <button class="btn btn-sm" style="font-size:11px;background:#dc2626;border-color:#dc2626;color:#fff" onclick="doRejectDeferralInline('${d.id}')">${t('真人确认拒绝')}</button>
+        </div>
+      </div>
+    </div>`).join('') : `<div class="empty"><div class="empty-icon">📥</div><div class="empty-text">${t('暂无待审缓交申请')}</div></div>`
+  app.innerHTML = shell(`
+    <h1 class="page-title">🪙 ${t('履约保证金缓交审批')}</h1>
+    <div style="margin-bottom:12px"><button class="btn btn-outline btn-sm" style="width:auto" onclick="navigate('#admin')">${t('返回概览')}</button></div>
+    <div style="font-size:12px;color:#6b7280;line-height:1.6;margin-bottom:10px">${t('批准后该卖家可先入场直付、保证金延后交;直付仍需满足全部合规条件,且缓交期内额度被压低。批准/拒绝均需真人 Passkey。')}</div>
+    ${list}
+  `, 'admin')
+}
+
+// 批准:purpose_data 必须与请求体逐字一致(后端绑定 deferral_id + reduced_quota_factor + grace_days)。
+window.doApproveDeferralInline = async function (id) {
+  const fEl = document.getElementById('dfr-approve-factor-' + id), gEl = document.getElementById('dfr-approve-grace-' + id)
+  const body = { deferral_id: id }
+  if (fEl && fEl.value !== '') body.reduced_quota_factor = Number(fEl.value)
+  if (gEl && gEl.value !== '') body.grace_days = Number(gEl.value)
+  const token = await requestPasskeyGate('direct_pay_deferral_approve', body)
+  if (!token) { if (typeof toast$ === 'function') toast$(t('需要真人 Passkey 确认'), 'error'); return }
+  const r = await POST(`/admin/direct-receive/deferrals/${id}/approve`, { ...body, webauthn_token: token })
+  if (!r || r.error) { if (typeof toast$ === 'function') toast$(window.dpErrorText ? window.dpErrorText(r && r.error_code, r && r.error) : t('操作失败,请重试'), 'error'); return }
+  if (typeof toast$ === 'function') toast$(t('缓交已批准'))
+  window.renderAdminDirectPayDeferrals(document.getElementById('app'))
+}
+
+// 拒绝:purpose_data 绑 deferral_id。
+window.doRejectDeferralInline = async function (id) {
+  const token = await requestPasskeyGate('direct_pay_deferral_reject', { deferral_id: id })
+  if (!token) { if (typeof toast$ === 'function') toast$(t('需要真人 Passkey 确认'), 'error'); return }
+  const r = await POST(`/admin/direct-receive/deferrals/${id}/reject`, { deferral_id: id, webauthn_token: token })
+  if (!r || r.error) { if (typeof toast$ === 'function') toast$(window.dpErrorText ? window.dpErrorText(r && r.error_code, r && r.error) : t('操作失败,请重试'), 'error'); return }
+  if (typeof toast$ === 'function') toast$(t('缓交申请已拒绝'))
+  window.renderAdminDirectPayDeferrals(document.getElementById('app'))
+}

package/dist/pwa/public/app-direct-pay-deferral.js

@@ -0,0 +1,61 @@
+// Direct Pay (Rail 1) — SELLER 缓交(deferred base-bond)apply + status panel (PR-②b)。UI ONLY。
+//   缓交 = 先入场、履约保证金延后交,由管理员【人工审批】(绝不自动批)。本面板让卖家:① 申请缓交;② 查看自己申请状态。
+//   数据/动作:GET + POST /api/direct-receive/deferral(后端脱敏:不含 admin 身份)。申请只创建 pending,【不授予任何资格】;
+//   真正放行 = 管理员 ROOT + 真人 Passkey 审批。即便批准,直付仍需满足全部合规门(实名/制裁/AML/Passkey/收款说明)。
+//   不碰 wallet/escrow/settlement/refund/钱路;不开真实 rail;不声称已上线。买家侧不展示本面板。
+
+window.dpDeferralCopy = () => ({
+  pending:  { icon: '⏳', text: t('缓交申请审核中,等待管理员人工审批') },
+  granted:  { icon: '✅', text: t('缓交已批准') },
+  rejected: { icon: '🚫', text: t('缓交申请未通过') },
+  expired:  { icon: '⌛', text: t('缓交已到期') },
+})
+
+window.dpSellerDeferralSection = () => `
+  <div class="card" style="margin-bottom:12px;border:1px solid #e5e7eb">
+    <div style="font-size:14px;font-weight:700;margin-bottom:4px">🪙 ${t('履约保证金缓交(仅你可见)')}</div>
+    <div style="font-size:12px;color:#6b7280;line-height:1.6;margin-bottom:10px">${t('缓交 = 先入场、履约保证金延后交,由管理员人工审批。批准后直付仍需满足全部合规条件(身份与商户合规审核、Passkey、收款说明);缓交期内额度会被压低。')}</div>
+    <div id="dp-seller-deferral">${loading$()}</div>
+  </div>`
+
+// 申请表单(无活跃申请时显示)。period 选填(留空走后端默认 30);reason 选填。
+window.dpDeferralApplyForm = () => `
+  <div style="display:flex;flex-direction:column;gap:8px">
+    <textarea id="dp-dfr-reason" maxlength="500" placeholder="${t('申请原因(选填)')}" style="width:100%;min-height:56px;padding:8px;border:1px solid #d1d5db;border-radius:6px;font-size:13px"></textarea>
+    <input id="dp-dfr-days" type="number" min="1" placeholder="${t('缓交天数(选填,默认 30)')}" style="width:100%;padding:8px;border:1px solid #d1d5db;border-radius:6px;font-size:13px">
+    <button onclick="window.dpSubmitDeferral()" style="align-self:flex-start;padding:8px 16px;background:#2563eb;color:#fff;border:none;border-radius:6px;font-size:13px;font-weight:600;cursor:pointer">${t('提交缓交申请')}</button>
+  </div>`
+
+window.dpHydrateSellerDeferral = async () => {
+  const box = document.getElementById('dp-seller-deferral')
+  if (!box) return
+  const r = await GET('/direct-receive/deferral')
+  if (!r || r.error) { box.innerHTML = `<div style="font-size:12px;color:#dc2626">${window.dpErrorText ? window.dpErrorText(r && r.error_code, r && r.error) : t('操作失败,请重试')}</div>`; return }
+  const d = r.deferral, active = r.active
+  // 无申请,或上一条已拒绝/过期(且当前无生效缓交)→ 可(重新)申请。
+  if (!d || (!active && (d.status === 'rejected' || d.status === 'expired'))) {
+    const prior = d ? `<div style="font-size:12px;color:#6b7280;margin-bottom:8px">${window.dpDeferralCopy()[d.status].icon} ${escHtml(window.dpDeferralCopy()[d.status].text)} · ${t('可重新申请')}</div>` : ''
+    box.innerHTML = prior + window.dpDeferralApplyForm()
+    return
+  }
+  const meta = window.dpDeferralCopy()[d.status] || { icon: 'ℹ️', text: d.status }
+  const lines = [`<div style="font-size:13px;font-weight:600;color:#374151">${meta.icon} ${escHtml(meta.text)}</div>`]
+  if (active) {
+    lines.push(`<div style="font-size:12px;color:#6b7280;line-height:1.7">${t('缓交期额度系数')}: <b>${active.reduced_quota_factor}</b></div>`)
+    if (active.expires_at) lines.push(`<div style="font-size:12px;color:#6b7280">${t('保证金到期日')}: ${escHtml(active.expires_at)}</div>`)
+    if (active.grace_until) lines.push(`<div style="font-size:12px;color:#6b7280">${t('宽限至')}: ${escHtml(active.grace_until)}</div>`)
+    if (active.in_grace) lines.push(`<div style="font-size:12px;color:#dc2626;font-weight:600">⚠️ ${t('已进入宽限期,请尽快补交履约保证金,否则直付资格将被暂停')}</div>`)
+  }
+  box.innerHTML = `<div style="display:flex;flex-direction:column;gap:4px">${lines.join('')}</div>`
+}
+
+window.dpSubmitDeferral = async () => {
+  const reasonEl = document.getElementById('dp-dfr-reason'), daysEl = document.getElementById('dp-dfr-days')
+  const body = {}
+  if (reasonEl && reasonEl.value.trim()) body.reason = reasonEl.value.trim()
+  if (daysEl && daysEl.value) body.period_days = Number(daysEl.value)
+  const r = await POST('/direct-receive/deferral', body)
+  if (!r || r.error) { alert(window.dpErrorText ? window.dpErrorText(r && r.error_code, r && r.error) : t('操作失败,请重试')); return }
+  toast$(t('缓交申请已提交,等待管理员审批'))
+  window.dpHydrateSellerDeferral()
+}

package/dist/pwa/public/app-direct-pay-fee-center.js

@@ -0,0 +1,33 @@
+// Direct Pay (Rail 1) — SELLER 平台服务费账户 section(PR-C)。UI ONLY。
+//   卖家自查【本人】平台服务费预充值余额 / 已计提 / 退款 / 在途预估 / 首单宽限。
+//   数据来自 GET /api/direct-receive/my-fee-account(requireSeller,仅本人;买家侧不展示)。
+//   预充值 = 商家平台服务费预付款(非买家货款 / 非 escrow / 非保证金);充值由平台核实收款后由 admin 登记,卖家不自助。
+//   纯读;不碰 wallet/escrow/settlement/refund/钱路。section 形态,嵌入卖家「设置」子页(与 readiness/缓交/验证/收款说明并列)。
+
+function _dpFeeFmt2(u) { return (Number(u || 0) / 1e6).toFixed(6).replace(/\.?0+$/, '') + ' USDC' }
+
+window.dpSellerFeeSection = () => `
+  <div class="card" style="margin-bottom:12px;border:1px solid #e5e7eb">
+    <div style="font-size:14px;font-weight:700;margin-bottom:4px">💰 ${t('平台服务费账户(仅你可见)')}</div>
+    <div style="font-size:12px;color:#6b7280;line-height:1.6;margin-bottom:10px">${t('直付平台服务费的预充值余额与已计提明细;预充值由平台核实收款后登记,如需充值请联系平台。')}</div>
+    <div id="dp-seller-fee">${typeof loading$ === 'function' ? loading$() : ''}</div>
+  </div>`
+
+window.dpHydrateSellerFee = async () => {
+  const box = document.getElementById('dp-seller-fee')
+  if (!box) return
+  const r = await GET('/direct-receive/my-fee-account')
+  if (!r || r.error || !r.account) { box.innerHTML = `<div style="font-size:12px;color:#dc2626">${window.dpErrorText ? window.dpErrorText(r && r.error_code, r && r.error) : t('操作失败,请重试')}</div>`; return }
+  const a = r.account
+  const owed = Number(a.availableUnits) < 0
+  const row = (k, v) => `<div style="display:flex;justify-content:space-between;font-size:13px;padding:3px 0"><span style="color:#6b7280">${k}</span><span style="font-weight:600">${v}</span></div>`
+  box.innerHTML = `
+    <div style="font-size:15px;font-weight:700;margin-bottom:6px">${owed ? t('待补平台服务费') : t('可用预充值余额')}: <span style="color:${owed ? '#dc2626' : '#059669'}">${_dpFeeFmt2(Math.abs(Number(a.availableUnits)))}</span></div>
+    ${owed ? `<div style="font-size:12px;color:#b45309;line-height:1.6;margin-bottom:6px">${t('余额不足时新直付订单会被暂停,请联系平台补充平台服务费预充值。')}</div>` : ''}
+    ${row(t('累计预充值'), _dpFeeFmt2(a.topupUnits))}
+    ${row(t('已计提平台费'), _dpFeeFmt2(a.accruedUnits))}
+    ${Number(a.adjustmentUnits) !== 0 ? row(t('账务更正合计'), _dpFeeFmt2(a.adjustmentUnits)) : ''}
+    ${row(t('已退款合计'), _dpFeeFmt2(a.refundUnits))}
+    ${row(t('在途单预估费'), _dpFeeFmt2(a.openEstFeeUnits))}
+    ${a.graceEligible ? `<div style="font-size:12px;color:#059669;margin-top:6px">${t('首单宽限可用:你的第一笔直付无需预充值。')}</div>` : ''}`
+}

package/dist/pwa/public/app-direct-pay-fee-history.js

@@ -0,0 +1,39 @@
+// 平台服务费预充值申请 —— 状态筛选 tab + 已处理(历史)只读卡。补齐"申请入账成功后在管理页不可查"的缺口:
+//   pending 走 afprCard(可操作),approved/rejected/cancelled 走 afprHistoryCard(只读,显审核人/时间/备注/入账流水)。
+//   backend GET /admin/direct-receive/fee-prepay-requests?status=X(无 status = 全部,最多 200 条)已支持,本文件仅补前端 UI。
+//   面向管理员中文走 t(),英文 i18n.js _EN。
+window.afprStatusFilter = 'pending'
+
+// 状态筛选 tab 条。点击切换 → afprHydrate(status)(重拉 + 高亮)。
+window.afprTabs = () => {
+  const tabs = [['pending', t('待审核')], ['approved', t('已入账')], ['rejected', t('已驳回')], ['all', t('全部')]]
+  return `<div id="afpr-tabs" style="display:flex;gap:6px;flex-wrap:wrap;margin-bottom:10px">${tabs.map(([s, label]) =>
+    `<button class="btn btn-sm" data-afpr-tab="${s}" style="width:auto;padding:4px 12px;${s === window.afprStatusFilter ? 'background:#111827;color:#fff' : 'background:#f3f4f6;color:#374151'}" onclick="afprHydrate('${s}')">${label}</button>`).join('')}</div>`
+}
+
+// 高亮当前 tab(afprHydrate 拉数据后调用;同时记住当前筛选,供 approve/reject 后原地重拉)。
+window.afprSetActiveTab = (status) => {
+  window.afprStatusFilter = status
+  document.querySelectorAll('[data-afpr-tab]').forEach(b => {
+    const on = b.getAttribute('data-afpr-tab') === status
+    b.style.background = on ? '#111827' : '#f3f4f6'; b.style.color = on ? '#fff' : '#374151'
+  })
+}
+
+// 已处理申请只读卡(不给 approve/reject 按钮;显状态徽章 + 审核人/时间/备注 + 入账流水 id)。
+window.afprHistoryCard = (r) => `
+  <div style="border:1px solid #e5e7eb;border-radius:10px;padding:10px 12px;margin-bottom:10px;background:#fafafa" data-req="${escHtml(r.id)}">
+    <div style="display:flex;justify-content:space-between;align-items:baseline;gap:8px">
+      <div style="font-size:15px;font-weight:800">${(r.amount_units / 1e6).toFixed(2)} <span style="font-size:12px;color:#6b7280">${escHtml(r.currency || 'USDC')}</span></div>
+      <span style="font-size:11px;font-weight:700;padding:2px 8px;border-radius:999px;white-space:nowrap;${r.status === 'approved' ? 'background:#dcfce7;color:#166534' : r.status === 'rejected' ? 'background:#fee2e2;color:#991b1b' : 'background:#e5e7eb;color:#4b5563'}">${window.afprStatus ? window.afprStatus(r.status) : escHtml(r.status)}</span>
+    </div>
+    <div style="font-size:11px;color:#9ca3af;margin:2px 0 6px">${t('申请 id')}: <code>${escHtml(r.id)}</code></div>
+    <div style="font-size:12px;color:#374151;line-height:1.7">
+      <div>${t('卖家')}: <code>${escHtml(r.seller_id)}</code></div>
+      <div>${t('付款凭证号')}: <b>${escHtml(r.evidence_ref)}</b>${r.evidence_note ? ` · ${escHtml(r.evidence_note)}` : ''}</div>
+      <div>${t('申请时间')}: <span style="color:#6b7280">${escHtml(r.created_at || '-')}</span></div>
+      <div>${t('审核人')}: <code>${escHtml(r.reviewed_by || '-')}</code> · ${t('审核时间')}: <span style="color:#6b7280">${escHtml(r.reviewed_at || '-')}</span></div>
+      ${r.review_note ? `<div>${t('审核备注')}: ${escHtml(r.review_note)}</div>` : ''}
+      ${r.resulting_payment_id ? `<div>${t('入账流水')}: <code>${escHtml(r.resulting_payment_id)}</code></div>` : ''}
+    </div>
+  </div>`

package/dist/pwa/public/app-direct-pay-fee-ops.js

@@ -0,0 +1,112 @@
+// Direct Pay (Rail 1) — ADMIN 商户运营 hub + 平台服务费(预充值)账户。UI ONLY(PR-B)。
+//   hub 把散落的直付 admin 功能归类(资格合规 / 平台服务费 / 上线控制),只链接既有路由。
+//   fee 账户调既有 ROOT + 真人 Passkey 端点(admin-direct-receive-deposits):
+//     GET  /admin/direct-receive/fee-account/:seller_id        (ROOT 只读)
+//     POST /admin/direct-receive/fee-prepay  (purpose direct_pay_fee_prepay_record)
+//     POST /admin/direct-receive/fee-adjust  (purpose direct_pay_fee_adjust)
+//     POST /admin/direct-receive/fee-refund  (purpose direct_pay_fee_refund)
+//   钱相关写动作均 requestPasskeyGate(purpose, body) → POST(purpose_data 与 body 逐字绑定)。
+//   不碰 buyer wallet/escrow/order/状态机;预充值 = 商家平台服务费预付款,非买家货款/escrow/保证金。
+
+window.renderAdminDirectPayHub = function (app) {
+  if (!state.user) { renderLogin(); return }
+  if (!isAdmin()) { app.innerHTML = shell(`<div class="alert alert-info">${t('仅限管理员')}</div>`, 'admin'); return }
+  const root = (state.user.admin_type || 'root') === 'root'
+  const grp = (title, cards) => `<div style="font-size:13px;font-weight:700;color:#374151;margin:14px 0 6px">${title}</div>${cards}`
+  app.innerHTML = shell(`
+    <h1 class="page-title">💳 ${t('Direct Pay 商户运营')}</h1>
+    <div style="margin-bottom:8px"><button class="btn btn-outline btn-sm" style="width:auto" onclick="navigate('#admin/protocol')">${t('返回协议管理')}</button></div>
+    <div style="font-size:12px;color:#6b7280;line-height:1.6;margin-bottom:6px">${t('直付(Rail 1)商户运营集中入口:资格合规、平台服务费预充值、上线控制。')}</div>
+    ${root ? grp(t('资格与合规'),
+      adminLinkCard('🧾', t('商户合规录入'), t('KYB / 制裁筛查结论'), '#admin/compliance') +
+      adminLinkCard('🪙', t('履约保证金缓交审批'), t('缓交申请 + 压低额度'), '#admin/deferrals') +
+      adminLinkCard('🔖', t('逐产品直付验证'), t('核验商品外链验证码'), '#admin/product-verifications') +
+      adminLinkCard('🏬', t('店铺认证审核'), t('核验店铺外链 + 免逐品'), '#admin/store-verifications')) : ''}
+    ${root ? grp(t('平台服务费(预充值)'),
+      adminLinkCard('💰', t('预充值与账户'), t('充值 / 调整 / 退款 / 余额 / 应收'), '#admin/dp-fee') + adminLinkCard('🏦', t('平台收款方式'), t('WebAZ 收款账号(卖家充值平台服务费用),可多个'), '#admin/platform-receive') + adminLinkCard('🧾', t('平台服务费预充值申请'), t('核对到账 → 确认入账 / 驳回(卖家发起)'), '#admin/fee-prepay-requests') + adminLinkCard('🏦', t('保证金缴纳申报'), t('履约保证金:核对到账 → 确认锁定 / 驳回(双锁 fail-closed)'), '#admin/bond-deposits')) : ''}
+    ${grp(t('上线控制'),
+      adminLinkCard('⚙️', t('直付参数'), t('开关 / 地区 / 单笔上限'), '#admin/params'))}
+    <div style="font-size:12px;color:#6b7280;margin-top:12px">${t('就绪报告(CLI):')} <code>npm run direct-pay:readiness</code></div>
+  `, 'admin')
+}
+
+// USDC 显示(units → 去尾零)
+function _dpFeeFmt(u) { return (Number(u || 0) / 1e6).toFixed(6).replace(/\.?0+$/, '') + ' USDC' }
+// 金额输入(USDC,最多 6 位小数)→ 整数 base-units(纯整数运算,无浮点四舍五入);松散/超精度输入 → NaN。
+function _dpFeeUnits(id) {
+  const e = document.getElementById(id); const raw = e ? e.value.trim() : ''
+  if (!/^-?\d+(\.\d{1,6})?$/.test(raw)) return NaN   // 拒 '1abc' / 超 6 位小数 / 空
+  const neg = raw[0] === '-', s = neg ? raw.slice(1) : raw
+  const [intp, frac = ''] = s.split('.')
+  const units = Number(intp) * 1e6 + Number((frac + '000000').slice(0, 6))
+  return neg ? -units : units
+}
+function _dpFeeStr(id) { const e = document.getElementById(id); return e ? e.value.trim() : '' }
+
+window.renderAdminDirectPayFeeOps = function (app) {
+  if (!state.user) { renderLogin(); return }
+  if (!isAdmin()) { app.innerHTML = shell(`<div class="alert alert-info">${t('仅限管理员')}</div>`, 'admin'); return }
+  if ((state.user.admin_type || 'root') !== 'root') { app.innerHTML = shell(`<div class="alert alert-info">${t('仅限根管理员')}</div>`, 'admin'); return }
+  const inp = (id, ph, num) => `<input id="${id}" ${num ? 'type="number" step="any"' : ''} placeholder="${ph}" style="width:100%;padding:7px;border:1px solid #d1d5db;border-radius:6px;font-size:13px">`
+  const meth = (id) => `<select id="${id}" style="width:100%;padding:7px;border:1px solid #d1d5db;border-radius:6px;font-size:13px"><option value="usdc">USDC</option><option value="fiat">${t('法币 fiat')}</option></select>`
+  const card = (inner) => `<div class="card" style="margin-bottom:12px;border:1px solid #e5e7eb">${inner}</div>`
+  app.innerHTML = shell(`
+    <h1 class="page-title">💰 ${t('平台服务费预充值与账户')}</h1>
+    <div style="margin-bottom:8px"><button class="btn btn-outline btn-sm" style="width:auto" onclick="navigate('#admin/dp-ops')">${t('返回 Direct Pay 商户运营')}</button></div>
+    <div style="font-size:12px;color:#6b7280;line-height:1.6;margin-bottom:6px">${t('预充值 = 商家平台服务费预付款(非买家货款 / 非 escrow / 非保证金)。链下实际收款/退款由你核实后在此登记;均需真人 Passkey。')}</div>
+    ${card(`<div style="font-size:13px;font-weight:700;margin-bottom:8px">${t('卖家用户 ID')}</div>${inp('fee-seller', t('卖家用户 ID(seller user id)'))}<button class="btn btn-primary btn-sm" style="margin-top:8px;width:auto" onclick="window.dpFeeLoad()">${t('加载账户')}</button>`)}
+    <div id="fee-acct"></div>
+    ${card(`<div style="font-size:13px;font-weight:700;margin-bottom:8px">➕ ${t('记录预充值(收款)')}</div><div style="display:flex;flex-direction:column;gap:6px">${inp('fee-topup-amt', t('金额 USDC'), true)}${meth('fee-topup-method')}${inp('fee-topup-ev', t('收款凭证号 evidence_ref(选填)'))}${inp('fee-topup-note', t('备注(选填)'))}<button class="btn btn-primary btn-sm" style="align-self:flex-start;font-size:12px" onclick="window.dpFeeTopup()">${t('记录预充值(真人 Passkey)')}</button></div>`)}
+    ${card(`<div style="font-size:13px;font-weight:700;margin-bottom:8px">✏️ ${t('账务更正(可正可负,非退款)')}</div><div style="display:flex;flex-direction:column;gap:6px">${inp('fee-adj-amt', t('更正额 USDC(负数=调减)'), true)}${inp('fee-adj-reason', t('原因(必填)'))}<button class="btn btn-outline btn-sm" style="align-self:flex-start;font-size:12px" onclick="window.dpFeeAdjust()">${t('记录更正(真人 Passkey)')}</button></div>`)}
+    ${card(`<div style="font-size:13px;font-weight:700;margin-bottom:8px">↩️ ${t('退款(真实退还未消耗预付款)')}</div><div style="display:flex;flex-direction:column;gap:6px">${inp('fee-ref-amt', t('退款额 USDC'), true)}${meth('fee-ref-method')}${inp('fee-ref-ev', t('退款凭证号 evidence_ref(选填)'))}${inp('fee-ref-reason', t('原因(选填)'))}<button class="btn btn-outline btn-sm" style="align-self:flex-start;font-size:12px;color:#b45309;border-color:#fcd34d" onclick="window.dpFeeRefund()">${t('退款(真人 Passkey)')}</button></div>`)}
+  `, 'admin')
+}
+
+window.dpFeeLoad = async function () {
+  const sid = _dpFeeStr('fee-seller'); const box = document.getElementById('fee-acct'); if (!box) return
+  if (!sid) { box.innerHTML = ''; return }
+  const r = await GET('/admin/direct-receive/fee-account/' + encodeURIComponent(sid))
+  if (!r || !r.account) { box.innerHTML = `<div class="alert alert-error">${t('加载失败')}</div>`; return }
+  const a = r.account
+  const row = (k, v) => `<div style="display:flex;justify-content:space-between;font-size:13px;padding:3px 0"><span style="color:#6b7280">${k}</span><span style="font-weight:600">${v}</span></div>`
+  box.innerHTML = `<div class="card" style="margin-bottom:12px;border:1px solid #e5e7eb">
+    <div style="font-size:15px;font-weight:700;margin-bottom:6px">${t('可用预充值余额')}: <span style="color:${a.availableUnits < 0 ? '#dc2626' : '#059669'}">${_dpFeeFmt(a.availableUnits)}</span></div>
+    ${row(t('累计预充值'), _dpFeeFmt(a.topupUnits))}
+    ${row(t('已计提平台费'), _dpFeeFmt(a.accruedUnits))}
+    ${row(t('账务更正合计'), _dpFeeFmt(a.adjustmentUnits))}
+    ${row(t('已退款合计'), _dpFeeFmt(a.refundUnits))}
+    ${row(t('在途单预估费'), _dpFeeFmt(a.openEstFeeUnits))}
+    ${row(t('可退款余额'), _dpFeeFmt(Math.max(0, Number(a.availableUnits) - Number(a.openEstFeeUnits))))}
+    ${row(t('首单宽限'), a.graceEligible ? t('是(尚未成交)') : t('否(已用/有在途)'))}
+  </div>`
+}
+
+async function _dpFeeAction(purpose, path, bind, extraBody, okMsg) {
+  const token = await requestPasskeyGate(purpose, bind)
+  if (!token) { if (typeof toast$ === 'function') toast$(t('需要真人 Passkey 确认'), 'error'); return }
+  const r = await POST(path, { ...bind, ...extraBody, webauthn_token: token })
+  if (!r || r.error) { if (typeof toast$ === 'function') toast$(window.dpErrorText ? window.dpErrorText(r && r.error_code, r && r.error) : t('操作失败,请重试'), 'error'); return }
+  if (typeof toast$ === 'function') toast$(okMsg)
+  window.dpFeeLoad()
+}
+
+window.dpFeeTopup = function () {
+  const seller_id = _dpFeeStr('fee-seller'); const amount_units = _dpFeeUnits('fee-topup-amt')
+  if (!seller_id || !(amount_units > 0)) { if (typeof toast$ === 'function') toast$(t('请填写卖家 ID 和正数金额'), 'error'); return }
+  const bind = { seller_id, amount_units, method: _dpFeeStr('fee-topup-method') || 'usdc', evidence_ref: _dpFeeStr('fee-topup-ev') }
+  return _dpFeeAction('direct_pay_fee_prepay_record', '/admin/direct-receive/fee-prepay', bind, { note: _dpFeeStr('fee-topup-note') }, t('预充值已记录'))
+}
+
+window.dpFeeAdjust = function () {
+  const seller_id = _dpFeeStr('fee-seller'); const delta_units = _dpFeeUnits('fee-adj-amt'); const reason = _dpFeeStr('fee-adj-reason')
+  if (!seller_id || !Number.isFinite(delta_units) || delta_units === 0 || !reason) { if (typeof toast$ === 'function') toast$(t('请填写卖家 ID、非零更正额、原因'), 'error'); return }
+  const bind = { seller_id, delta_units, reason }
+  return _dpFeeAction('direct_pay_fee_adjust', '/admin/direct-receive/fee-adjust', bind, {}, t('账务更正已记录'))
+}
+
+window.dpFeeRefund = function () {
+  const seller_id = _dpFeeStr('fee-seller'); const amount_units = _dpFeeUnits('fee-ref-amt')
+  if (!seller_id || !(amount_units > 0)) { if (typeof toast$ === 'function') toast$(t('请填写卖家 ID 和正数退款额'), 'error'); return }
+  const bind = { seller_id, amount_units, method: _dpFeeStr('fee-ref-method') || 'usdc', evidence_ref: _dpFeeStr('fee-ref-ev') }
+  return _dpFeeAction('direct_pay_fee_refund', '/admin/direct-receive/fee-refund', bind, { reason: _dpFeeStr('fee-ref-reason') }, t('退款已记录'))
+}

package/dist/pwa/public/app-direct-pay-fee-request.js

@@ -0,0 +1,81 @@
+// 平台服务费【预充值申请】—— 卖家侧 UI。看平台收款方式(据此线下付款)→ 填金额+凭据申请 → 看自己申请状态 → 撤销 pending。
+//   申请【不动钱、不 Passkey】(申请不授予任何东西);真正入账由平台核实真实到账后确认。凭据必填 —— 杜绝"场外直接付、无据可查"。
+//   面向用户中文走 t(),英文在 i18n.js;双语 parity 由 test-direct-pay-ui.ts 守。
+
+window.dpFeeReqStatus = (s) => ({ pending: t('待审核'), approved: t('已入账'), rejected: t('已驳回'), cancelled: t('已撤销') }[s] || s)
+// 金额(USDC 小数)→ base units(1 WAZ=1e6;正数、≤6 位小数)。非法 → NaN。
+window.dpFeeReqUnits = (id) => {
+  const e = document.getElementById(id); const raw = e ? e.value.trim() : ''
+  if (!/^\d+(\.\d{1,6})?$/.test(raw)) return NaN
+  const [i, f = ''] = raw.split('.'); return Number(i) * 1e6 + Number((f + '000000').slice(0, 6))
+}
+
+window.dpFeeRequestSection = () => `
+  <div class="card" style="margin-bottom:12px">
+    <div style="font-size:14px;font-weight:700;margin-bottom:6px">➕ ${t('申请平台服务费预充值')}</div>
+    <div style="font-size:12px;color:#6b7280;line-height:1.6;margin-bottom:10px">${t('按下列平台收款方式线下付款后,填金额和付款凭证号提交申请;平台核实真实到账后为你入账。申请本身不划扣任何款项。')}</div>
+    <div id="dp-feereq-box">${loading$()}</div>
+  </div>`
+
+window.dpHydrateFeeRequest = async () => {
+  const box = document.getElementById('dp-feereq-box'); if (!box) return
+  const [accR, reqR] = await Promise.all([GET('/direct-receive/platform-receive-accounts'), GET('/direct-receive/fee-prepay-requests')])
+  const accounts = (accR && accR.accounts) || []
+  const requests = (reqR && reqR.requests) || []
+  const acctList = accounts.length ? accounts.map(a => `
+    <div style="border:1px solid #c7d2fe;background:#eef2ff;border-radius:8px;padding:8px 10px;margin-bottom:6px;display:flex;justify-content:space-between;gap:8px">
+      <div style="min-width:0">
+        <div style="font-size:12px;font-weight:700">${a.label ? escHtml(a.label) : (a.method ? escHtml(a.method) : t('平台收款方式'))}${a.currency ? ` · ${escHtml(a.currency)}` : ''}</div>
+        <div style="font-size:12px;color:#374151;white-space:pre-wrap;word-break:break-word">${escHtml(a.instruction)}</div>
+      </div>
+      ${a.qr_data_uri ? `<img src="${a.qr_data_uri}" alt="${t('收款二维码')}" style="width:64px;height:64px;object-fit:contain;border-radius:6px;flex:0 0 auto">` : ''}
+    </div>`).join('') : `<div style="font-size:12px;color:#9ca3af">${t('平台暂未配置收款方式,请联系平台')}</div>`
+  const opts = accounts.map(a => `<option value="${escHtml(a.id)}">${a.label ? escHtml(a.label) : (a.method ? escHtml(a.method) : a.id)}${a.currency ? ` · ${escHtml(a.currency)}` : ''}</option>`).join('')
+  const reqRows = requests.length ? requests.map(r => `
+    <div style="border:1px solid #e5e7eb;border-radius:8px;padding:6px 10px;margin-bottom:6px;font-size:12px">
+      <div style="display:flex;justify-content:space-between;gap:8px">
+        <span><b>${(r.amount_units / 1e6).toFixed(2)}</b> ${escHtml(r.currency || 'USDC')} · <span style="color:#6b7280">${window.dpFeeReqStatus(r.status)}</span></span>
+        ${r.status === 'pending' ? `<button class="btn btn-outline btn-sm" style="font-size:11px;padding:2px 8px" onclick="dpCancelFeeRequest('${r.id}')">${t('撤销')}</button>` : ''}
+      </div>
+      <div style="color:#9ca3af;margin-top:2px">${t('申请 id')}: <code>${escHtml(r.id)}</code> · ${t('凭证')}: ${escHtml(r.evidence_ref)}${r.review_note ? ` · ${escHtml(r.review_note)}` : ''}</div>
+    </div>`).join('') : `<div style="font-size:12px;color:#9ca3af">${t('暂无申请记录')}</div>`
+  // 无 active 平台收款方式 → 不给表单(没有对准的 WebAZ 收款账户就无法可追踪充值),只提示联系平台。
+  const formHtml = accounts.length ? `
+    <div id="dp-feereq-msg" style="margin-top:8px"></div>
+    <div class="form-group" style="margin-top:8px"><label class="form-label">${t('充值金额 USDC')}</label><input class="form-control" id="dp-feereq-amt" type="number" step="any" min="0" placeholder="${t('如 50')}"></div>
+    <div class="form-group"><label class="form-label">${t('付给哪个平台收款方式')} <span style="color:#dc2626">*</span></label><select class="form-control" id="dp-feereq-acct">${opts}</select></div>
+    <div class="form-group"><label class="form-label">${t('付款凭证号 evidence_ref')} <span style="color:#dc2626">*</span> <span style="font-size:11px;color:#9ca3af">${t('(转账流水号 / 交易 ID,必填)')}</span></label><input class="form-control" id="dp-feereq-ev" maxlength="200" placeholder="${t('如银行流水号 / 链上 txid')}"></div>
+    <div class="form-group"><label class="form-label">${t('备注(可选)')}</label><input class="form-control" id="dp-feereq-note" maxlength="500"></div>
+    <button class="btn btn-primary btn-sm" onclick="dpSubmitFeeRequest()">${t('提交申请')}</button>`
+    : `<div style="font-size:12px;color:#b45309;background:#fffbeb;border:1px solid #fde68a;border-radius:8px;padding:8px 10px;margin-top:8px">${t('平台暂未配置收款方式,请联系平台')}</div>`
+  box.innerHTML = `
+    <div style="font-size:12px;font-weight:600;color:#374151;margin-bottom:4px">${t('平台收款方式(据此付款)')}</div>
+    ${acctList}
+    ${formHtml}
+    <div style="font-size:12px;font-weight:600;color:#374151;margin:14px 0 4px">${t('我的申请')}</div>
+    ${reqRows}`
+}
+
+window.dpSubmitFeeRequest = async () => {
+  const msg = document.getElementById('dp-feereq-msg')
+  const show = (type, m) => { if (msg) msg.innerHTML = alert$(type, m); else if (typeof toast$ === 'function') toast$(m, type) }
+  const amount_units = window.dpFeeReqUnits('dp-feereq-amt')
+  if (!(amount_units > 0)) { show('error', t('请填写正数充值金额')); return }
+  const evidence_ref = document.getElementById('dp-feereq-ev')?.value?.trim() || ''
+  if (!evidence_ref) { show('error', t('付款凭证号必填(不能无据)')); return }
+  const platform_account_id = document.getElementById('dp-feereq-acct')?.value || ''
+  if (!platform_account_id) { show('error', t('请选择平台收款方式')); return }
+  const evidence_note = document.getElementById('dp-feereq-note')?.value?.trim() || null
+  const r = await POST('/direct-receive/fee-prepay-request', { amount_units, platform_account_id, evidence_ref, evidence_note })
+  if (r.error) { show('error', r.error || t('提交失败,请重试')); return }
+  if (typeof toast$ === 'function') toast$(t('申请已提交,等待平台核实入账'), 'success')
+  window.dpHydrateFeeRequest()
+}
+
+window.dpCancelFeeRequest = async (id) => {
+  const go = await confirmModal(t('确定撤销这条预充值申请?'), t('撤销'), { danger: true })
+  if (!go) return
+  const r = await POST('/direct-receive/fee-prepay-request/' + id + '/cancel', {})
+  if (r.error) { if (typeof toast$ === 'function') toast$(r.error, 'error'); return }
+  if (typeof toast$ === 'function') toast$(t('已撤销'), 'success'); window.dpHydrateFeeRequest()
+}

package/dist/pwa/public/app-direct-pay-fee-requests-admin.js

@@ -0,0 +1,70 @@
+// 平台服务费预充值申请 —— admin(ROOT)审核队列。核对真实到账 → 确认入账(Passkey,唯一动钱)/ 驳回。
+//   approve 的 Passkey 绑定 {request_id, seller_id, amount_units, method}(把入账金额/对象钉进 token,防替换);reject 绑 request_id。
+//   每条显示【申请 id(fpr_…)】便于和卖家对齐管理。面向管理员中文走 t()。
+
+window.afprStatus = (s) => ({ pending: t('待审核'), approved: t('已入账'), rejected: t('已驳回'), cancelled: t('已撤销') }[s] || s)
+
+window.renderAdminFeePrepayRequests = function (app) {
+  if (!state.user) { renderLogin(); return }
+  if (typeof isAdmin === 'function' && !isAdmin()) { app.innerHTML = shell(`<div class="alert alert-info">${t('仅限管理员')}</div>`, 'admin'); return }
+  if ((state.user.admin_type || 'root') !== 'root') { app.innerHTML = shell(`<div class="alert alert-info">${t('仅限根管理员')}</div>`, 'admin'); return }
+  app.innerHTML = shell(`
+    <h1 class="page-title">🧾 ${t('平台服务费预充值申请')}</h1>
+    <div style="margin-bottom:8px"><button class="btn btn-outline btn-sm" style="width:auto" onclick="navigate('#admin/dp-ops')">${t('返回 Direct Pay 商户运营')}</button></div>
+    <div style="font-size:12px;color:#6b7280;line-height:1.6;margin-bottom:10px">${t('卖家发起的平台服务费预充值申请。请【核对凭证号对应的真实到账】后再确认入账;确认即为该商家记一笔预充值(真人 Passkey,唯一动钱步)。')}</div>
+    ${window.afprTabs ? window.afprTabs() : ''}<div id="afpr-box">${loading$()}</div>
+  `, 'admin')
+  window.afprHydrate()
+}
+
+window.afprHydrate = async (status) => {
+  const box = document.getElementById('afpr-box'); if (!box) return; const st = status || window.afprStatusFilter || 'pending'; if (window.afprSetActiveTab) window.afprSetActiveTab(st)
+  const r = await GET('/admin/direct-receive/fee-prepay-requests' + (st === 'all' ? '' : '?status=' + st))
+  if (r.error) { box.innerHTML = alert$('error', r.error || t('加载失败')); return }
+  const reqs = r.requests || []
+  box.innerHTML = `
+    <div id="afpr-msg"></div>
+    ${reqs.length ? reqs.map(x => x.status === 'pending' ? window.afprCard(x) : (window.afprHistoryCard ? window.afprHistoryCard(x) : window.afprCard(x))).join('') : `<div style="font-size:12px;color:#9ca3af">${t('暂无申请')}</div>`}`
+}
+
+window.afprCard = (r) => `
+  <div style="border:1px solid #e5e7eb;border-radius:10px;padding:10px 12px;margin-bottom:10px" data-req="${escHtml(r.id)}">
+    <div style="font-size:15px;font-weight:800">${(r.amount_units / 1e6).toFixed(2)} <span style="font-size:12px;color:#6b7280">${escHtml(r.currency || 'USDC')}</span></div>
+    <div style="font-size:11px;color:#9ca3af;margin:2px 0 6px">${t('申请 id')}: <code>${escHtml(r.id)}</code></div>
+    <div style="font-size:12px;color:#374151;line-height:1.7">
+      <div>${t('卖家')}: <code>${escHtml(r.seller_id)}</code></div>
+      <div>${t('付给平台账户')}: <code>${escHtml(r.platform_account_id || '-')}</code></div>
+      <div>${t('付款凭证号')}: <b>${escHtml(r.evidence_ref)}</b>${r.evidence_note ? ` · ${escHtml(r.evidence_note)}` : ''}</div>
+      <div style="color:#9ca3af">${escHtml(r.created_at || '')}</div>
+    </div>
+    <div style="display:flex;gap:8px;align-items:center;flex-wrap:wrap;margin-top:8px">
+      <select id="afpr-method-${r.id}" style="padding:6px;border:1px solid #d1d5db;border-radius:6px;font-size:12px"><option value="usdc">USDC</option><option value="fiat">${t('法币 fiat')}</option></select>
+      <button class="btn btn-primary btn-sm" onclick="afprApprove('${r.id}')">${t('确认到账并入账(真人 Passkey)')}</button>
+      <button class="btn btn-outline btn-sm" style="color:#dc2626;border-color:#dc2626" onclick="afprReject('${r.id}')">${t('驳回(真人 Passkey)')}</button>
+    </div>
+  </div>`
+
+window.afprApprove = async (id) => {
+  const card = document.querySelector(`[data-req="${id}"]`); if (!card) return
+  const r = await GET('/admin/direct-receive/fee-prepay-requests?status=pending')
+  const req = ((r && r.requests) || []).find(x => x.id === id)
+  if (!req) { if (typeof toast$ === 'function') toast$(t('该申请已不在待审核队列'), 'error'); window.afprHydrate(); return }
+  const method = document.getElementById('afpr-method-' + id)?.value || 'usdc'
+  let token
+  try { token = await requestPasskeyGate('direct_pay_fee_prepay_request_approve', { request_id: id, seller_id: req.seller_id, amount_units: req.amount_units, method }) }
+  catch (e) { if (typeof toast$ === 'function') toast$((e && e.message ? e.message + ' — ' : '') + t('需先注册 Passkey'), 'error'); return }
+  const res = await POST('/admin/direct-receive/fee-prepay-requests/' + id + '/approve', { method, note: null, webauthn_token: token })
+  if (res.error) { if (typeof toast$ === 'function') toast$(res.error || t('入账失败'), 'error'); return }
+  if (typeof toast$ === 'function') toast$(t('已确认入账'), 'success'); window.afprHydrate()
+}
+
+window.afprReject = async (id) => {
+  const note = await confirmModal(t('确定驳回这条申请?(将通知卖家未通过)'), t('驳回'), { danger: true })
+  if (!note) return
+  let token
+  try { token = await requestPasskeyGate('direct_pay_fee_prepay_reject', { request_id: id }) }
+  catch (e) { if (typeof toast$ === 'function') toast$((e && e.message ? e.message + ' — ' : '') + t('需先注册 Passkey'), 'error'); return }
+  const res = await POST('/admin/direct-receive/fee-prepay-requests/' + id + '/reject', { note: null, webauthn_token: token })
+  if (res.error) { if (typeof toast$ === 'function') toast$(res.error || t('驳回失败'), 'error'); return }
+  if (typeof toast$ === 'function') toast$(t('已驳回'), 'success'); window.afprHydrate()
+}

package/dist/pwa/public/app-direct-pay-memo.js

@@ -0,0 +1,14 @@
+// Direct Pay — 可验证付款附言(参考号)。UI ONLY;不碰钱路。
+//   每单从订单号派生【确定性唯一参考号】,提示买家付款时填入收款附言/备注 → mark_paid 的 note 回填订单时间线
+//   (买卖双方可见),相同金额也能靠参考号区分付款方。协议不验证,仅辅助对账。
+//   参考号【只读 + 一键复制】:锁定派生值买家不可改 —— 防"两单复用同一参考号"骗卖家重复确认;中文 t()/英文 i18n.js _EN。
+window.dpPayRef = (orderId) => 'WAZ-' + String(orderId || '').replace(/[^a-zA-Z0-9]/g, '').slice(-8).toUpperCase()
+window.dpMemoInputHtml = (orderId) => {
+  const ref = window.dpPayRef(orderId)
+  return `<div style="margin-top:8px;border-top:1px dashed #fde68a;padding-top:8px">
+    <div style="font-size:11px;color:#92400e;font-weight:600;margin-bottom:3px">${t('付款时请在附言/备注填入(便于卖家核对)')}</div>
+    <div style="display:flex;align-items:center;gap:6px"><code id="dp-buyer-memo" style="flex:1;min-width:0;overflow:hidden;text-overflow:ellipsis;font-size:13px;font-weight:700;letter-spacing:0.5px;background:#fffbeb;border:1px solid #fde68a;border-radius:6px;padding:6px 8px">${escHtml(ref)}</code>${window.dpCopyBtn ? window.dpCopyBtn(ref) : ''}</div>
+    <div style="font-size:10px;color:#9ca3af;margin-top:2px">${t('此参考号系统生成、不可修改;相同金额时卖家靠它区分付款方,标记"我已付款"时自动记入订单流程。')}</div></div>`
+}
+// "我已付款"时:note 恒为【派生参考号】(不再读可改输入框)—— 卖家对账口径唯一,买家无法用别单参考号冒充。
+window.dpReadMemo = (orderId) => `${t('付款参考')}: ${window.dpPayRef(orderId)}`

package/dist/pwa/public/app-direct-pay-negotiation.js

@@ -0,0 +1,35 @@
+// Direct Pay 货款协商(payment_query)+ 付款窗过期(direct_expired_unconfirmed)前端 —— 标签/动作/说明卡。UI ONLY。
+//   payment_query = 双方【协商】非仲裁;expired = 窗口超时未标记付款(宽限期内买家仍可主张已付或确认关单,审计项 H:
+//   此前该状态零 UI 动作=死角)。动作走通用 /orders/:id/action;非托管无退款语义。中文 t()/英文 i18n.js _EN。
+window.dpNegotiationBadge = (status) => status === 'payment_query' ? ['yellow', t('货款协商中')] : null
+window.dpNegotiationLabel = (status) => status === 'payment_query' ? t('货款协商中(非仲裁)') : null
+
+// 订单页按状态/角色返回协商动作(仅 direct_p2p 调用)。返回数组=接管;null=交回默认。
+window.dpNegotiationActions = (order, isBuyer, isSeller) => {
+  const s = order.status
+  if (s === 'payment_query') {
+    if (isSeller) return [
+      { action: 'confirm_received', label: '确认已收到货款(恢复订单)', style: 'success' },
+      { action: 'request_cancel', label: '申请取消订单(买家未回应时)', style: 'secondary' },
+    ]
+    if (isBuyer) return [
+      { action: 'pq_escalate', label: '我已付款 · 提交凭证升级举证', style: 'primary', needsEvidence: true, noteLabel: '付款凭证 / 参考号', evidencePlaceholder: '链上 tx / 银行回执 / 付款参考号(与下单时附言一致)' },
+      { action: 'cancel', label: '我未付款 · 取消订单', style: 'secondary' },
+    ]
+  }
+  // 审计项 H:付款窗过期(宽限期)买家双出口 —— 卡点付款的主张已付(证据升级争议),没付的即刻关单(免等 48h 自动取消)
+  if (s === 'direct_expired_unconfirmed' && isBuyer) return [
+    { action: 'dispute', label: '我已付款 · 提交凭证发起争议', style: 'primary', needsEvidence: true, noteLabel: '付款凭证 / 参考号', evidencePlaceholder: '链上 tx / 银行回执 / 付款参考号(与下单时附言一致)' },
+    { action: 'cancel', label: '我未付款 · 关闭订单', style: 'secondary' },
+  ]
+  // 撤回仲裁【仅限货款协商升级】:后端 DTO can_withdraw_payment_query_dispute 判定;履约类争议拿不到此按钮。
+  if (s === 'disputed' && (isBuyer || isSeller) && order.can_withdraw_payment_query_dispute) return [
+    { action: 'pq_withdraw', label: '撤回仲裁 · 回到协商', style: 'secondary' },
+  ]
+  return null
+}
+
+// 协商说明卡(payment_query 时展示):解释状态 + 提示买家复述付款参考。
+window.dpNegotiationCard = (order) => (!order || order.status !== 'payment_query') ? '' : `
+  <div class="card" style="border:1px solid #fde68a;background:linear-gradient(135deg,#fffbeb,#fef3c7)"><div style="font-size:13px;font-weight:700;color:#92400e;margin-bottom:6px">🔎 ${t('货款协商中(非仲裁)')}</div>
+    <div style="font-size:12px;color:#374151;line-height:1.7">${t('卖家报告未收到货款。这是买卖双方【协商】阶段,不是仲裁:若你确已付款,请提交付款凭证升级举证;若未付款,可取消订单。谈不拢再进举证仲裁。直付非托管,WebAZ 不代收/不退款。')}</div></div>`

package/dist/pwa/public/app-direct-pay-pay.js

@@ -0,0 +1,15 @@
+// Direct Pay (Rail 1) — 付款时刻 UI 辅助。UI ONLY;不碰钱路。dpPayAmountText(order):应付金额纯文本,
+//   用于 D2 弹窗/风险确认弹窗/订单收款说明框。审计项 E:优先【下单时冻结的应付参考换算】(snapshot payable_* —
+//   买家/卖家/时间线同一稳定数字,不随实时汇率漂移;标注"下单时参考,以卖家收款说明为准");旧单无快照 → 回落
+//   实时换算(dpFxInCurrency);再无 → 仅 USDC。USDC/USD 账户:另附买家本地法币参考(_fxLocal)。中英 i18n parity。
+window.dpPayAmountText = (order) => {
+  if (!order) return ''
+  const usdc = Number(order.total_amount)
+  const s = Number.isFinite(usdc) ? (Number.isInteger(usdc) ? String(usdc) : usdc.toFixed(2)) : '—'
+  let snap = {}; try { snap = JSON.parse(order.direct_pay_account_snapshot || '{}') || {} } catch {}
+  const cur = String(snap.currency || '').toUpperCase()
+  if (!cur || cur === 'USDC' || cur === 'USD') { const loc = window._fxLocal ? window._fxLocal(usdc) : ''; return `${t('应付')} ${s} USDC${loc ? ' ≈ ' + loc : ''}` }
+  if (Number.isFinite(Number(snap.payable_approx))) return `${t('应付')} ≈ ${cur} ${Number(snap.payable_approx).toFixed(2)}（${s} USDC · ${t('下单时参考价,以卖家收款说明为准')}）`
+  const fx = window.dpFxInCurrency ? window.dpFxInCurrency(usdc, cur) : ''
+  return (fx && fx !== cur) ? `${t('应付')} ≈ ${fx}（${s} USDC）` : `${t('应付')} ${s} USDC · ${cur}`
+}

package/dist/pwa/public/app-direct-pay-paymodal.js

@@ -0,0 +1,32 @@
+// Direct Pay (Rail 1) — 融合付款弹窗。UI ONLY;不碰钱路(mark_paid 仍走 dpHandleAction 的 Passkey 门)。
+//   两次风险披露完成后弹出:把【收款账号/说明 · 应付金额 · 付款附言(参考号)】三要素融合展示,每项一键复制
+//   (买家直接抄进银行/收款App),付款后就地点"我已付款"→ dpHandleAction('mark_paid')(不新增 Passkey 次数,
+//   省掉"回订单页找按钮"一步)。也可"稍后处理"→ 订单页(同样能标记付款)。中文 t(),英文 i18n.js _EN。
+// 复制用【纯数字+币种】(避免抄进 "应付 ≈ …" 整句):有下单冻结 payable 用其币种+值,否则 USDC 总额。
+window.dpPayModalCopyAmount = (order) => {
+  try { const s = JSON.parse(order.direct_pay_account_snapshot || '{}'); if (Number.isFinite(Number(s.payable_approx)) && s.payable_currency) return s.payable_currency + ' ' + Number(s.payable_approx).toFixed(2) } catch {} return String(order.total_amount) + ' USDC'
+}
+window.dpShowPaymentModal = (order) => {
+  if (!order || !order.id) return
+  const oid = order.id
+  const instr = order.direct_pay_instruction_snapshot || ''
+  const amtText = window.dpPayAmountText ? window.dpPayAmountText(order) : (String(order.total_amount) + ' USDC')  // 展示串:复用 #225 唯一真相(含 ≈/下单参考价 caveat/FX 回落),防三处漂移
+  const amtCopy = window.dpPayModalCopyAmount(order)
+  const ref = window.dpPayRef ? window.dpPayRef(oid) : ''
+  const row = (label, valueHtml, copyText) => `<div style="margin-bottom:10px">
+    <div style="font-size:11px;color:#6b7280;margin-bottom:3px">${label}${window.dpCopyBtn ? window.dpCopyBtn(copyText) : ''}</div>
+    <div style="font-size:13px;color:#111827;background:#f9fafb;border:1px solid #e5e7eb;border-radius:8px;padding:8px 10px;white-space:pre-wrap;word-break:break-word">${valueHtml}</div></div>`
+  window._openModal(`
+    <h2 style="font-size:16px;font-weight:700;margin:0 0 4px">💸 ${t('请按以下信息付款')}</h2>
+    <div style="font-size:12px;color:#92400e;background:#fffbeb;border:1px solid #fde68a;border-radius:8px;padding:8px 10px;margin-bottom:12px">${t('风险确认已完成。这是卖家收款信息(下单时快照,WebAZ 不验证也不经手)。请【场外】完成付款后回来标记。')}</div>
+    ${instr ? row(t('收款账号 / 说明'), escHtml(instr), instr) : ''}
+    ${row(t('应付金额'), escHtml(amtText), amtCopy)}
+    ${row(t('付款附言(务必填写,用于卖家核对)'), '<b>' + escHtml(ref) + '</b>', ref)}
+    <div style="font-size:11px;color:#9ca3af;margin:6px 0 12px">${t('付款时请在银行/收款App的附言/备注里填入上面的参考号;完成付款后点下方按钮(需 Passkey)。')}</div>
+    <div style="display:flex;gap:8px">
+      <button class="btn btn-outline" style="flex:1" onclick="dpPayModalLater('${escHtml(oid)}')">${t('稍后在订单页处理')}</button>
+      <button class="btn btn-primary" style="flex:1;background:#16a34a;border-color:#16a34a" onclick="dpPayModalMarkPaid('${escHtml(oid)}')">${t('我已付款')}</button>
+    </div>`)
+}
+window.dpPayModalLater = (oid) => { if (typeof closeModal === 'function') closeModal(); navigate('#order/' + oid) }
+window.dpPayModalMarkPaid = async (oid) => { if (typeof closeModal === 'function') closeModal(); await window.dpHandleAction(oid, 'mark_paid') }  // mark_paid 自带 Passkey 门 + 成功后跳订单页