feat: 角色协议(勾选+阅读秒数+卡点)与冻结说明按身份返回

新增协议表/签署留痕、后台与小程序 API；去掉手写依赖；支持抢单/注册/提现等卡点配置。冻结问号文案按角色字典下发。

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

users/views/fund_freeze_mp.py

@@ -66,6 +66,33 @@ def _profile_withdrawable(user, attr: str, field: str = 'yue') -> str:
         return '0.00'
 
 
+def _default_freeze_reason() -> str:
+    return (
+        '部分佣金暂存为冻结保障金，用于订单售后与纠纷保障；'
+        '按俱乐部规则到期或达标后自动转入可提现余额，冻结中金额不可提现。'
+    )
+
+
+def _freeze_display_reasons(club_id: str) -> Dict[str, str]:
+    """按角色返回冻结说明；无配置时用统一默认文案。"""
+    default = _default_freeze_reason()
+    out = {
+        ROLE_DASHOU: default,
+        ROLE_GUANSHI: default,
+        ROLE_ZUZHANG: default,
+        ROLE_SHENHEGUAN: default,
+    }
+    if not club_id:
+        return out
+    try:
+        for row in ClubFundFreezeConfig.query.filter(club_id=club_id):
+            if row.role in out and (row.remark or '').strip():
+                out[row.role] = row.remark.strip()
+    except Exception:
+        pass
+    return out
+
+
 class FundFreezeMineView(APIView):
     """
     POST /yonghu/fund-freeze-mine
@@ -110,17 +137,8 @@ class FundFreezeMineView(APIView):
         total_dongjie = sum((Decimal(r['dongjie_yue']) for r in roles), Decimal('0.00'))
         total_withdrawable = sum((Decimal(r['withdrawable']) for r in roles), Decimal('0.00'))
 
-        # 用户可见说明：优先打手规则，否则取任意已配置角色
-        display_reason = ''
-        if club_id:
-            cfgs = list(ClubFundFreezeConfig.query.filter(club_id=club_id, enabled=True))
-            prefer = next((c for c in cfgs if c.role == ROLE_DASHOU), None) or (cfgs[0] if cfgs else None)
-            if prefer and prefer.remark:
-                display_reason = prefer.remark
-            if not display_reason:
-                any_cfg = ClubFundFreezeConfig.query.filter(club_id=club_id).exclude(remark='').first()
-                if any_cfg:
-                    display_reason = any_cfg.remark or ''
+        reasons = _freeze_display_reasons(club_id)
+        display_reason = reasons.get(ROLE_DASHOU) or _default_freeze_reason()
 
         return Response({
             'code': 200,
@@ -132,10 +150,8 @@ class FundFreezeMineView(APIView):
                 'total_dongjie': _money(total_dongjie),
                 'total_withdrawable': _money(total_withdrawable),
                 'has_freeze': total_dongjie > 0,
-                'display_reason': display_reason or (
-                    '部分佣金暂存为冻结保障金，用于订单售后与纠纷保障；'
-                    '按俱乐部规则到期或达标后自动转入可提现余额，冻结中金额不可提现。'
-                ),
+                'display_reason': display_reason,
+                'freeze_display_reasons': reasons,
             },
         })