fix: 优化体验

openspec/changes/update-index-phone-bind-gate/specs/index-phone-bind-gate/spec.md

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+## ADDED Requirements
+
+### Requirement: Login success SHALL NOT own the bind-phone routing decision
+The system SHALL stop deciding mandatory bind-phone routing inside the login success handler and SHALL route successful login into the homepage entry flow instead.
+
+#### Scenario: Login succeeds for a user who may need binding
+- **WHEN** the user completes login successfully
+- **THEN** the system SHALL route the user to `pages/index/index`
+- **AND** the system SHALL NOT branch directly from the login page to the bind-phone page based only on login-time routing logic
+
+### Requirement: Index entry SHALL enforce the bind-phone gate
+The system SHALL determine whether phone binding is required whenever the homepage is entered and SHALL redirect to the bind-phone page if the current account is not yet bound.
+
+#### Scenario: User enters index and binding is required
+- **WHEN** the user enters `pages/index/index`
+- **AND** the latest account state indicates the phone is not yet bound
+- **THEN** the system SHALL redirect the user from `index` to `pages/bind/bind`
+
+#### Scenario: User enters index and binding is not required
+- **WHEN** the user enters `pages/index/index`
+- **AND** the latest account state indicates the phone is already bound
+- **THEN** the system SHALL keep the user on the homepage
+
+#### Scenario: User re-enters index later without binding
+- **WHEN** the user enters `pages/index/index` again through a later navigation path
+- **AND** the latest account state still indicates the phone is not yet bound
+- **THEN** the system SHALL re-apply the bind-phone redirect
+- **AND** the redirect SHALL NOT depend on whether the user just came from the login page
+
+### Requirement: Bind completion SHALL remain compatible with homepage entry
+The system SHALL preserve the existing bind-phone completion destination to the homepage while allowing the homepage gate to be the source of truth for whether binding is still required.
+
+#### Scenario: User completes binding and returns to index
+- **WHEN** the user completes phone binding successfully
+- **THEN** the system SHALL return the user to `pages/index/index`
+- **AND** entering `index` afterward SHALL no longer redirect if the account is now bound
+
+### Requirement: Index phone-bind gate SHALL NOT change login or bind API contracts
+The system SHALL preserve the existing login API, bind-phone API, token handling, and account retrieval contracts while changing only the routing responsibility.
+
+#### Scenario: Routing responsibility changes without API change
+- **WHEN** the new homepage-entry gate is applied
+- **THEN** the system SHALL change only where the bind requirement is evaluated for routing
+- **AND** the system SHALL NOT require backend API contract changes