feat(commission): 新增佣金30天提现冻结机制

- KeyboardTenantCommissionDO 增加 withdrawableAt、withdrawableProcessed 字段
- TenantBalanceDO 增加 withdrawableBalance 字段并注释掉 Oracle 自增序列
- 计算任务在结算时写入可提现时间并默认未处理
- 新增 CommissionWithdrawableJob 定时把到期佣金从冻结余额转到可提现余额
- TenantServiceImpl 创建代理租户时调用 TenantBalanceApi 初始化钱包
- 提供 TenantBalanceApi 及实现，支持初始化与余额转换

keyboard-server/src/main/java/com/yolo/keyboard/api/tenantbalance/TenantBalanceApiImpl.java

@@ -0,0 +1,44 @@
+package com.yolo.keyboard.api.tenantbalance;
+
+import com.yolo.keyboard.dal.dataobject.tenantbalance.TenantBalanceDO;
+import com.yolo.keyboard.dal.mysql.tenantbalance.TenantBalanceMapper;
+import com.yolo.keyboard.module.system.api.tenantbalance.TenantBalanceApi;
+import jakarta.annotation.Resource;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Service;
+
+import java.math.BigDecimal;
+
+/**
+ * 租户余额 API 实现类
+ *
+ * @author ziin
+ */
+@Service
+@Slf4j
+public class TenantBalanceApiImpl implements TenantBalanceApi {
+
+    @Resource
+    private TenantBalanceMapper tenantBalanceMapper;
+
+    @Override
+    public void initTenantBalance(Long tenantId) {
+        // 检查是否已存在
+        TenantBalanceDO existingBalance = tenantBalanceMapper.selectById(tenantId);
+        if (existingBalance != null) {
+            log.info("[initTenantBalance] 租户 {} 钱包已存在，跳过初始化", tenantId);
+            return;
+        }
+
+        // 初始化租户钱包
+        TenantBalanceDO balance = new TenantBalanceDO();
+        balance.setId(tenantId);
+        balance.setBalance(BigDecimal.ZERO);
+        balance.setWithdrawableBalance(BigDecimal.ZERO);
+        balance.setFrozenAmt(BigDecimal.ZERO);
+        balance.setVersion(0);
+        tenantBalanceMapper.insert(balance);
+
+        log.info("[initTenantBalance] 租户 {} 钱包初始化成功", tenantId);
+    }
+}

keyboard-server/src/main/java/com/yolo/keyboard/dal/dataobject/tenantbalance/TenantBalanceDO.java

@@ -15,7 +15,7 @@ import com.yolo.keyboard.framework.mybatis.core.dataobject.BaseDO;
  * @author 芋道源码
  */
 @TableName("system_tenant_balance")
-@KeySequence("system_tenant_balance_seq") // 用于 Oracle、PostgreSQL、Kingbase、DB2、H2 数据库的主键自增。如果是 MySQL 等数据库，可不写。
+//@KeySequence("system_tenant_balance_seq") // 用于 Oracle、PostgreSQL、Kingbase、DB2、H2 数据库的主键自增。如果是 MySQL 等数据库，可不写。
 @Data
 @EqualsAndHashCode(callSuper = true)
 @ToString(callSuper = true)

keyboard-server/src/main/java/com/yolo/keyboard/dal/dataobject/tenantcommission/KeyboardTenantCommissionDO.java

@@ -100,6 +100,16 @@ public class KeyboardTenantCommissionDO {
      */
     private LocalDateTime updatedAt;
 
+    /**
+     * 可提现时间（结算时间 + 30天）
+     */
+    private LocalDateTime withdrawableAt;
+
+    /**
+     * 是否已处理转可提现：false-未处理，true-已处理
+     */
+    private Boolean withdrawableProcessed;
+
     /**
      * 备注
      */

keyboard-server/src/main/java/com/yolo/keyboard/job/CommissionWithdrawableJob.java

@@ -0,0 +1,132 @@
+package com.yolo.keyboard.job;
+
+import cn.hutool.core.collection.CollUtil;
+import com.yolo.keyboard.dal.dataobject.tenantbalance.TenantBalanceDO;
+import com.yolo.keyboard.dal.dataobject.tenantbalancetransaction.TenantBalanceTransactionDO;
+import com.yolo.keyboard.dal.dataobject.tenantcommission.KeyboardTenantCommissionDO;
+import com.yolo.keyboard.dal.mysql.tenantbalance.TenantBalanceMapper;
+import com.yolo.keyboard.dal.mysql.tenantbalancetransaction.TenantBalanceTransactionMapper;
+import com.yolo.keyboard.dal.mysql.tenantcommission.KeyboardTenantCommissionMapper;
+import com.yolo.keyboard.framework.mybatis.core.query.LambdaQueryWrapperX;
+import com.yolo.keyboard.framework.quartz.core.handler.JobHandler;
+import com.yolo.keyboard.framework.tenant.core.aop.TenantIgnore;
+import com.yolo.keyboard.utils.BizNoGenerator;
+import jakarta.annotation.Resource;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Component;
+import org.springframework.transaction.annotation.Transactional;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import java.util.List;
+import java.util.Map;
+import java.util.stream.Collectors;
+
+/**
+ * 分成可提现转换定时任务
+ * 每小时执行一次，将满30天的分成金额转为可提现余额
+ *
+ * @author ziin
+ */
+@Component
+@Slf4j
+public class CommissionWithdrawableJob implements JobHandler {
+
+    @Resource
+    private KeyboardTenantCommissionMapper commissionMapper;
+
+    @Resource
+    private TenantBalanceMapper tenantBalanceMapper;
+
+    @Resource
+    private TenantBalanceTransactionMapper balanceTransactionMapper;
+
+    private static final String WITHDRAWABLE_TYPE = "WITHDRAWABLE";
+
+    @Override
+    @TenantIgnore
+    @Transactional(rollbackFor = Exception.class)
+    public String execute(String param) {
+        log.info("[CommissionWithdrawableJob] 开始执行分成可提现转换任务");
+
+        LocalDateTime now = LocalDateTime.now();
+
+        // 1. 查询已到可提现时间且未处理的分成记录
+        List<KeyboardTenantCommissionDO> commissions = commissionMapper.selectList(
+                new LambdaQueryWrapperX<KeyboardTenantCommissionDO>()
+                        .le(KeyboardTenantCommissionDO::getWithdrawableAt, now)
+                        .eq(KeyboardTenantCommissionDO::getWithdrawableProcessed, false)
+                        .eq(KeyboardTenantCommissionDO::getStatus, "SETTLED")
+        );
+
+        if (CollUtil.isEmpty(commissions)) {
+            log.info("[CommissionWithdrawableJob] 没有需要处理的分成记录");
+            return "没有需要处理的分成记录";
+        }
+
+        // 2. 按租户分组汇总金额
+        Map<Long, List<KeyboardTenantCommissionDO>> tenantCommissionsMap = commissions.stream()
+                .collect(Collectors.groupingBy(KeyboardTenantCommissionDO::getTenantId));
+
+        int tenantCount = 0;
+        int commissionCount = 0;
+        BigDecimal totalAmount = BigDecimal.ZERO;
+
+        // 3. 逐个租户处理
+        for (Map.Entry<Long, List<KeyboardTenantCommissionDO>> entry : tenantCommissionsMap.entrySet()) {
+            Long tenantId = entry.getKey();
+            List<KeyboardTenantCommissionDO> tenantCommissions = entry.getValue();
+
+            // 计算该租户的总可提现金额
+            BigDecimal tenantTotalAmount = tenantCommissions.stream()
+                    .map(KeyboardTenantCommissionDO::getCommissionAmount)
+                    .reduce(BigDecimal.ZERO, BigDecimal::add);
+
+            // 更新租户可提现余额
+            TenantBalanceDO balance = tenantBalanceMapper.selectById(tenantId);
+            if (balance == null) {
+                log.warn("[CommissionWithdrawableJob] 租户 {} 余额记录不存在，跳过", tenantId);
+                continue;
+            }
+
+            BigDecimal currentWithdrawable = balance.getWithdrawableBalance() != null
+                    ? balance.getWithdrawableBalance() : BigDecimal.ZERO;
+            BigDecimal newWithdrawable = currentWithdrawable.add(tenantTotalAmount);
+            balance.setWithdrawableBalance(newWithdrawable);
+            tenantBalanceMapper.updateById(balance);
+
+            // 创建余额交易记录
+            String bizNo = BizNoGenerator.generate("WDB");
+            TenantBalanceTransactionDO transaction = TenantBalanceTransactionDO.builder()
+                    .bizNo(bizNo)
+                    .points(tenantTotalAmount)
+                    .balance(balance.getBalance())
+                    .tenantId(tenantId)
+                    .type(WITHDRAWABLE_TYPE)
+                    .description("分成转可提现")
+                    .createdAt(now)
+                    .remark("共 " + tenantCommissions.size() + " 笔分成转为可提现")
+                    .build();
+            balanceTransactionMapper.insert(transaction);
+
+            // 标记分成记录为已处理
+            for (KeyboardTenantCommissionDO commission : tenantCommissions) {
+                commission.setWithdrawableProcessed(true);
+                commission.setUpdatedAt(now);
+                commissionMapper.updateById(commission);
+            }
+
+            tenantCount++;
+            commissionCount += tenantCommissions.size();
+            totalAmount = totalAmount.add(tenantTotalAmount);
+
+            log.info("[CommissionWithdrawableJob] 处理租户 {}，分成 {} 笔，金额 {}",
+                    tenantId, tenantCommissions.size(), tenantTotalAmount);
+        }
+
+        String result = String.format("处理租户 %d 个，分成记录 %d 条，总金额 %s",
+                tenantCount, commissionCount, totalAmount.toPlainString());
+        log.info("[CommissionWithdrawableJob] 任务执行完成: {}", result);
+        return result;
+    }
+}

keyboard-server/src/main/java/com/yolo/keyboard/job/TenantCommissionCalculateJob.java

@@ -145,6 +145,7 @@ public class TenantCommissionCalculateJob implements JobHandler {
 
             // 4. 创建分成记录
             LocalDateTime now = LocalDateTime.now();
+            LocalDateTime withdrawableAt = now.plusDays(30); // 30天后可提现
             KeyboardTenantCommissionDO commission = KeyboardTenantCommissionDO.builder()
                     .purchaseRecordId(record.getId())
                     .transactionId(record.getTransactionId())
@@ -157,17 +158,20 @@ public class TenantCommissionCalculateJob implements JobHandler {
                     .status("SETTLED")
                     .purchaseTime(record.getPurchaseTime())
                     .settledAt(now)
+                    .withdrawableAt(withdrawableAt)
+                    .withdrawableProcessed(false)
                     .createdAt(now)
                     .updatedAt(now)
                     .build();
 
-            // 5. 更新租户余额
+            // 5. 更新租户余额（分成金额先计入总余额，30天后才可提现）
             TenantBalanceDO balance = tenantBalanceMapper.selectById(tenantId);
             if (balance == null) {
                 // 如果租户余额记录不存在，创建一个
                 balance = new TenantBalanceDO();
                 balance.setId(tenantId);
                 balance.setBalance(commissionAmount);
+                balance.setWithdrawableBalance(BigDecimal.ZERO);
                 balance.setFrozenAmt(BigDecimal.ZERO);
                 balance.setVersion(0);
                 tenantBalanceMapper.insert(balance);