feat: add Nailong Fund advisor capabilities

app/api/dependencies/auth.py

@@ -1,14 +1,17 @@
 from functools import lru_cache
 
-from fastapi import Depends, HTTPException, Request, status
+from fastapi import Depends, Request
 from fastapi.security import HTTPAuthorizationCredentials, HTTPBearer
 
 from app.core.config import get_settings
 from app.core.contracts import RequestContext
+from app.core.errors import UnauthorizedAgentError
 from app.core.security import JwtAuthenticator
 from app.service.identity_service import IdentityService
+from app.service.risk_questionnaire_service import RiskQuestionnaireService
 
 _bearer = HTTPBearer(auto_error=False)
+TRACE_ID_HEADER = "X-Trace-ID"
 
 
 @lru_cache(maxsize=1)
@@ -20,16 +23,18 @@ async def build_request_context(
     request: Request,
     credentials: HTTPAuthorizationCredentials | None = Depends(_bearer),  # noqa: B008
 ) -> RequestContext:
+    request.state.trace_id = request.headers.get(TRACE_ID_HEADER)
     if credentials is None or credentials.scheme.lower() != "bearer":
-        raise HTTPException(status_code=status.HTTP_401_UNAUTHORIZED, detail="Unauthorized")
+        raise UnauthorizedAgentError("token is missing, invalid, or revoked")
     try:
         context = _authenticator().authenticate(credentials.credentials)
         context = await IdentityService().resolve(context)
     except Exception as exc:
-        from app.core.errors import UnauthorizedAgentError
-
-        if isinstance(exc, UnauthorizedAgentError):
-            raise HTTPException(status_code=401, detail="Unauthorized") from exc
-        raise
+        raise UnauthorizedAgentError("token is missing, invalid, or revoked") from exc
     request.state.request_context = context
+    onboarding_path = request.url.path.startswith("/api/v1/onboarding/")
+    if not onboarding_path and await RiskQuestionnaireService().is_required(context):
+        from app.core.errors import OnboardingRequiredError
+
+        raise OnboardingRequiredError("请先完成开户风险测评问卷")
     return context

app/api/dependencies/rate_limit.py

@@ -0,0 +1,41 @@
+"""Authenticated per-route request rate limiting."""
+
+import logging
+
+from fastapi import Depends, Request
+
+from app.api.dependencies.auth import build_request_context
+from app.core.config import get_settings
+from app.core.contracts import RequestContext
+from app.core.rate_limit import RateLimitExceededError, RateLimitPolicy
+from app.infrastructure.rate_limiter import CounterBackend, default_counter_backend
+
+logger = logging.getLogger(__name__)
+
+
+def get_counter_backend() -> CounterBackend:
+    return default_counter_backend()
+
+
+def route_template(request: Request) -> str:
+    route = request.scope.get("route")
+    return str(getattr(route, "path", request.url.path))
+
+
+async def enforce_rate_limit(
+    request: Request,
+    context: RequestContext = Depends(build_request_context),  # noqa: B008
+) -> None:
+    policy = RateLimitPolicy.from_settings(get_settings())
+    if not policy.enabled:
+        return
+    result = await get_counter_backend().increment(
+        policy.key(context.user_id, request.method, route_template(request)),
+        policy.window_seconds,
+    )
+    if result is None:
+        logger.warning("rate limit backend unavailable; allowing route=%s", request.url.path)
+        return
+    count, retry_after_seconds = result
+    if count > policy.max_requests:
+        raise RateLimitExceededError("request rate limit exceeded", retry_after_seconds)