chore: 新增数据库迁移，将实名认证策略默认值改为 after_order

Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)

Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>

migrations/000130_change_realname_policy_default_to_after_order.down.sql

@@ -0,0 +1,13 @@
+-- 回滚：将实名认证策略的列默认值恢复为 none（无需实名）
+
+ALTER TABLE tb_iot_card
+    ALTER COLUMN realname_policy SET DEFAULT 'none';
+
+ALTER TABLE tb_device
+    ALTER COLUMN realname_policy SET DEFAULT 'none';
+
+ALTER TABLE tb_iot_card_import_task
+    ALTER COLUMN realname_policy SET DEFAULT 'none';
+
+ALTER TABLE tb_device_import_task
+    ALTER COLUMN realname_policy SET DEFAULT 'none';

migrations/000130_change_realname_policy_default_to_after_order.up.sql

@@ -0,0 +1,14 @@
+-- 将实名认证策略的列默认值从 none 改为 after_order（先充值/购买后实名）
+-- 仅影响新增记录，现有记录保持原有值不变
+
+ALTER TABLE tb_iot_card
+    ALTER COLUMN realname_policy SET DEFAULT 'after_order';
+
+ALTER TABLE tb_device
+    ALTER COLUMN realname_policy SET DEFAULT 'after_order';
+
+ALTER TABLE tb_iot_card_import_task
+    ALTER COLUMN realname_policy SET DEFAULT 'after_order';
+
+ALTER TABLE tb_device_import_task
+    ALTER COLUMN realname_policy SET DEFAULT 'after_order';