feat(退款): AUG26-006 退款方式选择与原路退款

按 PRD 2.3/2.4/2.5 落地套餐退款的方式矩阵与原路渠道退款：

- 退款申请派生并冻结权威实收金额（线上取原成功支付记录，钱包/线下取订单实际收款），
  提交人不可填写或修改；按来源支付方式生成可选方式矩阵并在创建、提交、执行前重复校验。
- 审批切换为「每次提交一条不可变审批尝试记录 + 独立企业微信审批实例」，业务标识取尝试
  记录主键；终态消费按尝试记录优先、退款申请兜底双读，兼容存量无实例与已关联实例申请。
  新增活动退款部分唯一索引 (order_id) WHERE status IN (1,5,6)。
- 本地人工终审保持既有开关，补齐通过入口的 approval_instance_id IS NULL 守卫，使三个
  入口一致拒绝已关联审批实例的申请；重提按尝试模式重写（仅已拒绝/已退回/原路失败且无异常）。
- 权益时点：企微通过事务写退款终态、按方式确定的订单态、钱包回款、员工账单冲销与可靠
  失效事实；套餐失效/接续/停机仍由既有可靠机制最终一致执行，不把外部调用放入资金事务。
  订单支付状态按方式置位：凭证退款与退回原钱包在企微通过时置已退款，原路须渠道明确成功。
- 按官方契约实现微信直连 v3、微信 v2（双向证书）、富友（/commonRefund 与 /refundQuery）、
  支付宝四类原路退款；能力只由服务商类型与退款必需凭证完整性决定，无人工开关。
  渠道请求号在提交时冻结到尝试记录，并以 channel_submitted_at 条件认领保证资金动作至多
  提交一次（重复投递只查询不二次提交）；不向任何渠道传递退款结果通知地址。
- 新增 refund:channel:recovery 恢复任务只查询回填；本地查询窗口超期（富友 72 小时、
  微信 v2 7 天）转原路退款失败、渠道状态已失败、分类超时未知并置异常转人工，不放行自动
  重提以避免重复退款。
- 同步退款 DTO/导出/审计资源与审计查询关联、商户凭证文档，并修正 fuiou 集成契约文档。

迁移 000218（退款尝试与渠道退款事实）、000219（微信 v2 客户端证书凭证）成对提供，
未修改既有迁移；测试库 junhong_cmp_test 完成 up/down/up 与行为核对，未调用真实渠道。

docs/verification/context-reset/entry-capability-requirement-matrix.json

@@ -1252,7 +1252,8 @@
     "capability": "agent-funds-commission",
     "requirements": [
       "agent-funds-commission::代理钱包与提现状态门禁",
-      "identity-access::数据范围拒绝"
+      "identity-access::数据范围拒绝",
+      "agent-distribution-withdrawal::提现冻结与企业微信终审"
     ],
     "classification": "behavior"
   },
@@ -1357,7 +1358,8 @@
     "entry": "GET /api/c/v1/asset/info",
     "capability": "personal-customer",
     "requirements": [
-      "personal-customer::资产归属查询"
+      "personal-customer::资产归属查询",
+      "personal-customer::资产信息展示当前可用或已用完主套餐"
     ],
     "classification": "behavior"
   },
@@ -1864,7 +1866,8 @@
     "entry": "POST /api/admin/commission/withdrawal-requests/{id}/approve",
     "capability": "agent-funds-commission",
     "requirements": [
-      "identity-access::数据范围拒绝"
+      "identity-access::数据范围拒绝",
+      "agent-distribution-withdrawal::提现本地人工终审边界"
     ],
     "classification": "behavior"
   },
@@ -1873,7 +1876,8 @@
     "entry": "POST /api/admin/commission/withdrawal-requests/{id}/reject",
     "capability": "agent-funds-commission",
     "requirements": [
-      "identity-access::数据范围拒绝"
+      "identity-access::数据范围拒绝",
+      "agent-distribution-withdrawal::提现本地人工终审边界"
     ],
     "classification": "behavior"
   },
@@ -2434,7 +2438,9 @@
     "capability": "agent-funds-commission",
     "requirements": [
       "agent-funds-commission::代理钱包与提现状态门禁",
-      "identity-access::数据范围拒绝"
+      "identity-access::数据范围拒绝",
+      "agent-distribution-withdrawal::提现资料资格",
+      "agent-distribution-withdrawal::提现冻结与企业微信终审"
     ],
     "classification": "behavior"
   },
@@ -3350,7 +3356,8 @@
       "agent-funds-commission::退款后处理可补偿",
       "order-commission-delivery::佣金计算重复投递幂等",
       "order-commission-delivery::已支付订单佣金计算可靠投递",
-      "order-commission-delivery::待计算订单可补偿"
+      "order-commission-delivery::待计算订单可补偿",
+      "agent-distribution-withdrawal::待审提现与佣金回溯的释放接缝"
     ],
     "classification": "route_index_or_infrastructure"
   },
@@ -3917,5 +3924,70 @@
       "agent-funds-commission::付款凭证识别仅作交易流水号预填"
     ],
     "classification": "behavior"
+  },
+  {
+    "entry_type": "async",
+    "entry": "constants.TaskTypeRefundChannelRecovery",
+    "capability": "order-refund-exchange",
+    "requirements": [
+      "order-refund-exchange::订单、退款与换货状态门禁",
+      "order-refund-exchange::代理退款查询按所属店铺隔离"
+    ],
+    "classification": "route_index_or_infrastructure"
+  },
+  {
+    "entry_type": "http",
+    "entry": "POST /api/c/v1/agent-distribution-registrations",
+    "capability": "agent-distribution-withdrawal",
+    "requirements": [
+      "agent-distribution-withdrawal::分销码与待审批代理注册"
+    ],
+    "classification": "behavior"
+  },
+  {
+    "entry_type": "http",
+    "entry": "POST /api/admin/shops/{shop_id}/withdrawal-qualifications",
+    "capability": "agent-distribution-withdrawal",
+    "requirements": [
+      "agent-distribution-withdrawal::提现资料资格"
+    ],
+    "classification": "behavior"
+  },
+  {
+    "entry_type": "http",
+    "entry": "GET /api/admin/shops/{shop_id}/withdrawal-qualifications",
+    "capability": "agent-distribution-withdrawal",
+    "requirements": [
+      "agent-distribution-withdrawal::提现资料资格"
+    ],
+    "classification": "behavior"
+  },
+  {
+    "entry_type": "http",
+    "entry": "POST /api/admin/withdrawal-qualifications/{id}/void",
+    "capability": "agent-distribution-withdrawal",
+    "requirements": [
+      "agent-distribution-withdrawal::提现资料资格"
+    ],
+    "classification": "behavior"
+  },
+  {
+    "entry_type": "http",
+    "entry": "PUT /api/admin/shops/{shop_id}/withdrawal-requests/{id}",
+    "capability": "agent-distribution-withdrawal",
+    "requirements": [
+      "agent-distribution-withdrawal::提现冻结与企业微信终审",
+      "agent-distribution-withdrawal::待审提现与佣金回溯的释放接缝"
+    ],
+    "classification": "behavior"
+  },
+  {
+    "entry_type": "http",
+    "entry": "GET /api/admin/shops/{shop_id}/withdrawal-requests/{id}",
+    "capability": "agent-distribution-withdrawal",
+    "requirements": [
+      "agent-distribution-withdrawal::提现冻结与企业微信终审"
+    ],
+    "classification": "behavior"
   }
 ]