feat:新增接口

schemas/account.py

@@ -0,0 +1,34 @@
+"""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)