feat:新增接口

schemas/account.py

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+"""资金账户相关 DTO。
+
+金额统一序列化为两位小数字符串（如 "48000.00"），避免 JSON number 的浮点精度隐患。
+"""
+from datetime import datetime
+from decimal import Decimal
+from typing import Literal
+
+from pydantic import BaseModel, Field, field_serializer
+
+
+class BalanceResp(BaseModel):
+    """用户余额响应体。available_balance = balance - frozen_amount，由 service 派生。"""
+
+    customer_id: int
+    balance: Decimal
+    available_balance: Decimal
+    frozen_amount: Decimal
+    currency: str
+    status: str
+    update_time: datetime | None = None
+
+    @field_serializer("balance", "available_balance", "frozen_amount")
+    def _fmt_money(self, value: Decimal) -> str:
+        return f"{value:.2f}"
+
+
+class AdjustReq(BaseModel):
+    """加减余额入参。amount 为正数（元），direction 决定加/减。"""
+
+    direction: Literal["add", "sub"] = Field(
+        ..., description="add=入账(充值)，sub=出账(提现)"
+    )
+    amount: Decimal = Field(gt=0)

schemas/holdings.py

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+"""持仓相关 DTO。
+
+金额字段序列化为字符串，避免 JSON number 浮点精度隐患；
+份额 / 盈亏比例保留 4 位，金额保留 2 位。
+"""
+from decimal import Decimal
+
+from pydantic import BaseModel, field_serializer
+
+
+class HoldingResp(BaseModel):
+    """单条持仓记录。"""
+
+    id: int
+    customer_id: int
+    product_id: int
+    shares: Decimal
+    cost_amount: Decimal
+    current_value: Decimal
+    profit_loss: Decimal
+    profit_ratio: Decimal
+    status: str
+
+    @field_serializer("shares", "profit_ratio")
+    def _fmt_ratio(self, value: Decimal) -> str:
+        return f"{value:.4f}"
+
+    @field_serializer("cost_amount", "current_value", "profit_loss")
+    def _fmt_money(self, value: Decimal) -> str:
+        return f"{value:.2f}"

schemas/purchase.py

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+"""申购相关 DTO。"""
+from decimal import Decimal
+
+from pydantic import BaseModel, Field, field_serializer
+
+from schemas.holdings import HoldingResp
+
+
+class PurchaseReq(BaseModel):
+    """申购入参。amount 为正数（元），按净值折算份额。"""
+
+    product_id: int
+    amount: Decimal = Field(gt=0)
+
+
+class PurchaseResp(BaseModel):
+    """申购结果：最新余额 + 该产品最新持仓。"""
+
+    balance: Decimal
+    holding: HoldingResp
+
+    @field_serializer("balance")
+    def _fmt_balance(self, value: Decimal) -> str:
+        return f"{value:.2f}"

schemas/redeem.py

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+"""赎回相关 DTO。"""
+from decimal import Decimal
+
+from pydantic import BaseModel, Field, field_serializer
+
+from schemas.holdings import HoldingResp
+
+
+class RedeemReq(BaseModel):
+    """赎回入参。shares 为正数（份额），按净值折算入账金额。"""
+
+    product_id: int
+    shares: Decimal = Field(gt=0)
+
+
+class RedeemResp(BaseModel):
+    """赎回结果：最新余额 + 该产品最新持仓。"""
+
+    balance: Decimal
+    holding: HoldingResp
+
+    @field_serializer("balance")
+    def _fmt_balance(self, value: Decimal) -> str:
+        return f"{value:.2f}"