Add core database support and enhance documentation

- Introduced `MYSQL_CORE_DATABASE` in `.env.example` and `settings.py` for core database configuration.
- Added `CoreReadOnlyRepository` for read-only access to the `jinrong_core` database.
- Updated `AGENTS.md`, `README.md`, and various documentation files to reflect new agent onboarding processes and project structure.
- Revised requirements in `requirements.txt` to include `langgraph` and `langchain-core`.
- Enhanced `FLOW.md` with local bootstrap instructions for setting up the core simulation environment.
- Added new scripts for database creation and seeding for the core simulation library.
- Improved overall documentation for clarity on project architecture and memory management.
- Updated `TODO.md` to reflect current development priorities and tasks.

scripts/dev/rbac-seed-reference.md

@@ -0,0 +1,59 @@
+# RBAC 联调种子对照
+
+> 开发期 JWT 可手工签发；`sub` / `roles` 与下表对齐。  
+> 客户 Token：`sub` = `customer_id`。员工 Token：`sub` = `staff_id`。
+
+## 内部员工（core_staff）
+
+| staff_id | 角色 roles | 用途 |
+| --- | --- | --- |
+| STAFF-10086 | advisor | 主代理人，名下 10 客户 |
+| STAFF-10087 | advisor | 跨权限测：1010 仅其名下 |
+| STAFF-10088 | advisor | 5 客户 |
+| STAFF-10089 | advisor | 4 客户 |
+| STAFF-10090 | advisor | 3 客户 |
+| STAFF-10091 | advisor, compliance | 双角色权限并集 |
+| STAFF-20001 | analyst | 分析 Agent |
+| STAFF-20002 | analyst | 分析 Agent |
+| STAFF-30001 | risk_officer | 风控 Agent |
+| STAFF-30002 | risk_officer | 风控 Agent |
+| STAFF-40001 | compliance | 合规审计台 |
+| STAFF-40002 | compliance | 合规审计台 |
+| STAFF-50001 | ops | 运营统计 A-08 |
+
+## 推荐验收用例
+
+| 操作者 | 目标 customer_id | 预期 |
+| --- | --- | --- |
+| STAFF-10086 | CUST-9527 | 允许 |
+| STAFF-10086 | CUST-1010 | **403**（归属 10087） |
+| CUST-9527 | CUST-1001 数据 | **403**（非本人） |
+| STAFF-20001 | 聚合 SQL | 允许（脱敏/聚合） |
+| STAFF-30001 | 任意客户读 | 允许 |
+| STAFF-40001 | 审计 API | 允许；写 L2 **403** |
+
+## 客户（登录 C 端）
+
+| customer_id | 正式等级 | 代理人 | 特殊场景 |
+| --- | --- | --- | --- |
+| CUST-9527 | C3 | 10086 | 主 demo |
+| CUST-1001 | C1 | 10086 | R-02 买 PROD-XYZ999 |
+| CUST-1002 | C2 | 10086 | C-04 盈亏 -12% |
+| CUST-1010 | C3 | **10087** | 10086 越权测 |
+| CUST-3001 | C3 | 10086 | R-01 大额交易 |
+| CUST-4001 | C5 | 10087 | 高龄 70 + R5 持仓 |
+| CUST-4002 | C1 | 10086 | 持有 R4 产品冲突 |
+
+## 产品适当性
+
+| product_id | min_risk | 说明 |
+| --- | --- | --- |
+| PROD-110022 | R1 | C1 可买 |
+| PROD-XYZ999 | R5 | C1/C2 应拒 |
+
+查询员工角色：
+
+```python
+from app.repository.core_ro import CoreReadOnlyRepository
+CoreReadOnlyRepository().get_staff("STAFF-10086")
+```