wallet 处理region为null

rc-service/rc-service-wallet/wallet-infrastructure/src/main/java/com/red/circle/wallet/infra/gateway/FreightShipGatewayImpl.java

@@ -97,6 +97,9 @@ public class FreightShipGatewayImpl implements FreightShipGateway {
   @Override
   public int getFreightGoldToUsdRatio(Long userId) {
     UserRegionDTO region = getUserRegionSetting(userId);
+    if (region == null) {
+      return 0;
+    }
     int ratio = FreightGoldToUsdRatioEnum.getRatio(region.getSysOrigin());
     /*
     // 20230-40-02 刘占洋需求： 阿拉伯和土耳其地区，货运代理给用户充值的计算比例由现在的750调整到1200