feat: 组队招募（/zudui）+ 结单/自动结算/罚款挂钩

新增 Team 表与接口；进8强制锁、组队分账优先且失败不回退全额队长。

Co-authored-by: Cursor <cursoragent@cursor.com>

orders/views/merchant.py

@@ -888,12 +888,35 @@ class ShangjiaJiesuanView(APIView):
 
                 # 原子更新打手数据（可提现走冻结网关；未开启时与原先全额进 yue 一致）
                 from jituan.services.fund_freeze import credit_dashou_order_settle
-                credit_dashou_order_settle(
-                    order=order,
-                    dashou_profile=dashou,
-                    user_id=jiedan_dashou_id,
-                    amount=dashou_fencheng,
-                )
+                from orders.services.team_recruit import settle_team_or_legacy, get_active_recruit, lock_recruit
+                from orders.models import TeamRecruit, TeamSettleLedger
+                team_done = False
+                try:
+                    rec = get_active_recruit(order.OrderID)
+                    if rec and rec.status == TeamRecruit.STATUS_RECRUITING:
+                        lock_recruit(rec.id, actor_uid='system', reason='merchant_settle_force_lock')
+                    team_done = settle_team_or_legacy(order, set_idle_leader=True)
+                except Exception as e:
+                    logger.error('商家结单组队分账失败 %s: %s', dingdan_id, e)
+                    if TeamSettleLedger.query.filter(order_id=dingdan_id).exists() or get_active_recruit(dingdan_id):
+                        return Response({
+                            'code': 8,
+                            'msg': f'组队分账失败，已阻止全额打给队长: {e}',
+                            'data': None
+                        }, status=status.HTTP_500_INTERNAL_SERVER_ERROR)
+                if not team_done:
+                    if get_active_recruit(order.OrderID):
+                        return Response({
+                            'code': 8,
+                            'msg': '存在有效组队但分账未完成，已阻止全额打给队长',
+                            'data': None
+                        }, status=status.HTTP_500_INTERNAL_SERVER_ERROR)
+                    credit_dashou_order_settle(
+                        order=order,
+                        dashou_profile=dashou,
+                        user_id=jiedan_dashou_id,
+                        amount=dashou_fencheng,
+                    )
 
                 # 更新商家成交单量
                 UserShangjia.query.filter(id=shangjia.id).update(