feat: 实现订单超时自动取消功能，支持钱包余额解冻和 Asynq Scheduler 统一调度

- 新增 expires_at 字段和复合索引，待支付订单 30 分钟超时自动取消
- 实现 cancelOrder/unfreezeWalletForCancel 钱包余额解冻逻辑
- 创建 Asynq 定时任务（order_expire/alert_check/data_cleanup）
- 将原有 time.Ticker 轮询迁移至 Asynq Scheduler 统一调度
- 同步 delta specs 到 main specs 并归档变更

internal/bootstrap/worker_stores.go

@@ -28,6 +28,7 @@ type workerStores struct {
 	DataCleanupLog            *postgres.DataCleanupLogStore
 	AgentWallet               *postgres.AgentWalletStore
 	AgentWalletTransaction    *postgres.AgentWalletTransactionStore
+	CardWallet                *postgres.CardWalletStore
 }
 
 func initWorkerStores(deps *WorkerDependencies) *queue.WorkerStores {
@@ -54,6 +55,7 @@ func initWorkerStores(deps *WorkerDependencies) *queue.WorkerStores {
 		DataCleanupLog:            postgres.NewDataCleanupLogStore(deps.DB),
 		AgentWallet:               postgres.NewAgentWalletStore(deps.DB, deps.Redis),
 		AgentWalletTransaction:    postgres.NewAgentWalletTransactionStore(deps.DB, deps.Redis),
+		CardWallet:                postgres.NewCardWalletStore(deps.DB, deps.Redis),
 	}
 
 	return &queue.WorkerStores{
@@ -79,5 +81,6 @@ func initWorkerStores(deps *WorkerDependencies) *queue.WorkerStores {
 		DataCleanupLog:            stores.DataCleanupLog,
 		AgentWallet:               stores.AgentWallet,
 		AgentWalletTransaction:    stores.AgentWalletTransaction,
+		CardWallet:                stores.CardWallet,
 	}
 }