feat(收口): 补齐 8 月迭代缺口并同步 Spec 与证据链

- 新增六对成对迁移 000232–000237：H5 弹窗类型、退款结算标识与申请人备注、优先轮询事实字段与两个新终态、通道阈值命中留痕、手机号最近解绑人、提现资格校验留痕
- 退款：原因必填与申请人备注、来源支付与渠道流水冻结、线下处理流水号补录审计、按订单查询可选退款方式、企微审批材料补齐且新增字段缺失映射即明确失败
- 优先轮询：人工关闭、有效期到期独立周期任务、失败与过期人工重触发、事实字段与异常重试查询、资产解析端点只读投影
- 通道阈值：命中事实同事务留痕与命中记录查询；员工账单：列表筛选与详情投影；商户池：列表投影与统计周期语义；H5：弹窗类型与类别排序
- 手机号：有效关联数量与最近解绑人、短信验证码失败次数限制；导出：佣金明细十五列与报表序号列
- 时间筛选：三处新增筛选纳入统一严格解析契约，员工账单产生时间参数改名
- 同步 12 份主 Spec 需求、两端点与异步任务证据链，门禁 context-health 与 OpenSpec 校验通过

internal/application/distributionwithdrawal/withdrawal.go

@@ -164,7 +164,10 @@ func (s *WithdrawalService) submit(
 		if err != nil {
 			return err
 		}
-		if err := validateWithdrawalInvoice(qualification, input.InvoiceKeys); err != nil {
+		if !qualification.Passed {
+			return qualificationCheckError(qualification)
+		}
+		if err := validateWithdrawalInvoice(qualification.Qualification, input.InvoiceKeys); err != nil {
 			return err
 		}
 		if err := ensureDailyWithdrawalLimit(ctx, tx, shopID, policy.DailyWithdrawalLimit, resubmitRequestID == nil); err != nil {
@@ -222,6 +225,10 @@ func (s *WithdrawalService) submit(
 			Amount: input.Amount, Fee: fee, FeeRate: policy.FeeRate, ActualAmount: actualAmount,
 			WithdrawalMethod: input.WithdrawalMethod, AccountInfo: accountInfo,
 			InvoiceKeys: invoiceKeys, SubmittedByAccountID: submitter.ID,
+			// 当次资料资格校验结果随尝试冻结：资格被替换或失效后，历史尝试仍返回提交时的版本与结果。
+			QualificationVersionID: qualification.VersionID,
+			QualificationCheckedAt: &qualification.CheckedAt,
+			QualificationPassed:    qualificationPassedFlag(qualification.Passed),
 		}
 		if err := tx.WithContext(ctx).Create(attempt).Error; err != nil {
 			return errors.Wrap(errors.CodeDatabaseError, err, "创建提现审批尝试记录失败")
@@ -348,30 +355,86 @@ func ensureOwnAgentShopForShopID(ctx context.Context, submitter withdrawalSubmit
 	return nil
 }
 
-// loadValidQualification 读取当前有效的提现资料资格；缺失或已失效时拒绝提现申请。
+// qualificationCheck 是本次提现依据的资料资格校验结果。
+// 校验结果随当次审批尝试冻结：通过时记录版本标识与校验时间，未通过时给出稳定原因编码，
+// 供提现详情查询与审计核对；历史尝试不被改写。
+type qualificationCheck struct {
+	// Qualification 仅在通过时非空。
+	Qualification *model.WithdrawalQualification
+	Passed        bool
+	VersionID     uint
+	CheckedAt     time.Time
+	// FailureReason 是未通过时的稳定原因编码（资格不存在/已失效/已停用/资料未通过审批），通过时为空。
+	FailureReason string
+}
+
+// qualificationCheckError 把未通过的稳定原因转成对外的稳定业务错误。
+// 提示文案同时携带稳定原因编码与中文名称，使拒绝结果与审计记录都能定位到具体原因（本变更要求
+// 拒绝结果与审计记录包含稳定原因）。
+func qualificationCheckError(check qualificationCheck) error {
+	name := constants.GetWithdrawalQualificationFailureReasonName(check.FailureReason)
+	detail := check.FailureReason + "/" + name
+	if check.FailureReason == constants.WithdrawalQualificationFailureShopDisabled {
+		return errors.New(errors.CodeInvalidStatus, "提现资料资格校验未通过（"+detail+"）：店铺已停用，请先恢复店铺后重新提交")
+	}
+	return errors.New(errors.CodeInvalidStatus, "提现资料资格校验未通过（"+detail+"）：请先完成资料审批后重新提交")
+}
+
+// loadValidQualification 读取当前有效的提现资料资格；缺失、失效、未通过审批或店铺停用时返回未通过结果。
+//
+// 校验顺序沿用既有实现：先按资料资格判定，再判定店铺启停。稳定原因取值域与迁移
+// 000237 的列语义一致（资格不存在、已失效、已停用、资料未通过审批）。
+// 仅在数据库访问失败时返回错误，判定不通过一律以结果表达，使调用方能写审计并回传稳定原因。
 func loadValidQualification(
 	ctx context.Context,
 	tx *gorm.DB,
 	shopID uint,
-) (*model.WithdrawalQualification, error) {
-	var qualification model.WithdrawalQualification
+) (qualificationCheck, error) {
+	check := qualificationCheck{CheckedAt: time.Now().UTC()}
+	var latest model.WithdrawalQualification
 	err := tx.WithContext(ctx).
-		Where("shop_id = ? AND status = ?", shopID, constants.WithdrawalQualificationStatusApproved).
-		First(&qualification).Error
+		Where("shop_id = ?", shopID).
+		Order("id DESC").
+		First(&latest).Error
 	if err == gorm.ErrRecordNotFound {
-		return nil, errors.New(errors.CodeInvalidStatus, "提现资料资格无效，请先完成资料审批")
+		check.FailureReason = constants.WithdrawalQualificationFailureMissing
+		return check, nil
 	}
 	if err != nil {
-		return nil, errors.Wrap(errors.CodeDatabaseError, err, "查询有效提现资料资格失败")
+		return check, errors.Wrap(errors.CodeDatabaseError, err, "查询提现资料资格失败")
+	}
+	check.VersionID = latest.ID
+	if latest.Status != constants.WithdrawalQualificationStatusApproved {
+		if latest.Status == constants.WithdrawalQualificationStatusInvalidated {
+			check.FailureReason = constants.WithdrawalQualificationFailureInvalidated
+		} else {
+			check.FailureReason = constants.WithdrawalQualificationFailureNotApproved
+		}
+		return check, nil
 	}
 	var shop model.Shop
 	if err := tx.WithContext(ctx).Select("id", "status").First(&shop, shopID).Error; err != nil {
-		return nil, errors.New(errors.CodeInvalidStatus, "提现资料资格无效，请先完成资料审批")
+		if err == gorm.ErrRecordNotFound {
+			check.FailureReason = constants.WithdrawalQualificationFailureShopDisabled
+			return check, nil
+		}
+		return check, errors.Wrap(errors.CodeDatabaseError, err, "查询提现店铺状态失败")
 	}
 	if shop.Status != constants.ShopStatusEnabled {
-		return nil, errors.New(errors.CodeInvalidStatus, "店铺已停用，提现资料资格已失效")
+		check.FailureReason = constants.WithdrawalQualificationFailureShopDisabled
+		return check, nil
 	}
-	return &qualification, nil
+	check.Qualification = &latest
+	check.Passed = true
+	return check, nil
+}
+
+// qualificationPassedFlag 把校验结果转为尝试表的 0/1 标记，取值与迁移 000237 的 CHECK 一致。
+func qualificationPassedFlag(passed bool) int {
+	if passed {
+		return constants.WithdrawalQualificationCheckPassed
+	}
+	return constants.WithdrawalQualificationCheckNotPassed
 }
 
 // validateWithdrawalInvoice 校验申请级发票仅在企业主体且已登记发票资料时提交。
@@ -696,6 +759,9 @@ func withdrawalAuditSnapshot(
 		"latest_approval_instance_id": request.LatestApprovalInstanceID,
 		"anomaly_flag":                request.AnomalyFlag,
 		"invoice_count":               len(decodeInvoiceKeys(attempt.InvoiceKeys)),
+		// 当次资料资格校验留痕：版本标识与是否通过，未通过时的稳定原因不在成功快照中重复。
+		"qualification_version_id": attempt.QualificationVersionID,
+		"qualification_passed":     attempt.QualificationPassed,
 	}
 	if wallet != nil {
 		snapshot["wallet_id"] = wallet.ID