feat: include pre-withdrawal balance in review

rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankWithdrawCmdExe.java

@@ -133,6 +133,8 @@ public class UserBankWithdrawCmdExe {
             .setBankCardId(bankCard.getId())
             .setBankCardType(bankCard.getCardType())
             .setAmount(cmd.getAmount())
+            // balance 在扣款前读取并完成充足性校验；固化到申请文档后，异步重试始终投递同一份财务快照。
+            .setBalanceBefore(balance)
             .setAmountType(salaryType.getCode())
             .setApprovalProcesses(List.of(
                 new UserBankWithdrawMoneyApprovalProcess()

rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/integration/HyAppWithdrawalReviewClient.java

@@ -75,6 +75,10 @@ public class HyAppWithdrawalReviewClient {
     payload.put("salaryAssetType", apply.getAmountType());
     payload.put("withdrawAmount", normalizedAmount.toPlainString());
     payload.put("withdrawAmountMinor", amountMinor);
+    if (apply.getBalanceBefore() != null) {
+      // 审核展示必须使用扣款前快照；不能在定时投递时重新查询已经扣减或退款后的余额。
+      payload.put("balanceBefore", apply.getBalanceBefore().stripTrailingZeros().toPlainString());
+    }
     payload.put("withdrawMethod", bankCard.getCardType());
     payload.put("withdrawAddress", bankCard.getCardNo());
     payload.put("createdAtMs", apply.getCreateTime().getTime());

rc-service/rc-service-wallet/wallet-infrastructure/src/main/java/com/red/circle/wallet/infra/database/mongo/entity/bank/UserBankWithdrawMoneyApply.java

@@ -66,6 +66,11 @@ public class UserBankWithdrawMoneyApply implements Serializable {
    */
   private BigDecimal amount;
 
+  /**
+   * 提交提现前的可用余额快照；只记录申请时事实，审核页不能用之后变化的当前余额替代.
+   */
+  private BigDecimal balanceBefore;
+
   /**
    * 金额类型：MONEY(美金政策)、SALARY_DIAMOND(工资钻石政策)
    */