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/tixian.py

@@ -1112,29 +1112,14 @@ class TixianAssetView(APIView):
 
         from jituan.services.club_user import get_user_club_id
         from jituan.services.withdraw_config import build_tixian_asset_rates
-        from jituan.models import ClubFundFreezeConfig
+        from users.views.fund_freeze_mp import _freeze_display_reasons, _default_freeze_reason
 
         club_id = get_user_club_id(user)
         data.update(build_tixian_asset_rates(club_id))
 
-        display_reason = ''
-        try:
-            if club_id:
-                prefer = ClubFundFreezeConfig.query.filter(
-                    club_id=club_id, role='dashou', enabled=True,
-                ).first()
-                if not prefer:
-                    prefer = ClubFundFreezeConfig.query.filter(
-                        club_id=club_id, enabled=True,
-                    ).exclude(remark='').first()
-                if prefer:
-                    display_reason = prefer.remark or ''
-        except Exception:
-            pass
-        data['freeze_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；'
-            '按规则解冻后自动转入可提现，冻结中不可提现。'
-        )
+        reasons = _freeze_display_reasons(club_id or '')
+        data['freeze_display_reasons'] = reasons
+        data['freeze_display_reason'] = reasons.get('dashou') or _default_freeze_reason()
 
         return Response({
             'code': 200,