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fix: close remaining commercial review financial gaps - #13
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📝 变更描述 / Description
本 PR 收口商业化对抗性审查中仍可直接影响资金安全和运营恢复的两项问题:手工充值补单提升到 Root 权限,退款对账任务把终态凭据清理与当前失败告警解耦。前者避免普通管理员直接铸造余额,后者避免单个异常凭据阻塞所有已完成退款的保留期清理;现有退款失败和歧义状态仍保持告警与人工复核,不会被自动删除。
🚀 变更类型 / Type of change
🔗 关联任务 / Related Issue
✅ 提交前检查项 / Checklist
go test ./...(1406 passed)。📸 运行证明 / Proof of Work
go test ./...:1406 个测试通过。succeeded终态凭据仍会按保留策略清理;prepared/review等不确定状态仍保留。