新增支付与钱包模块，并接入首页路由

引入真实收款与钱包页面替换首页占位入口，通过 RootView 接入 API，并支持银行卡 OSS 上传及二维码保存到相册。

Co-authored-by: Cursor <cursoragent@cursor.com>

suixinkan/Features/Wallet/API/WalletAPI.swift

@@ -0,0 +1,204 @@
+//
+//  WalletAPI.swift
+//  suixinkan
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import Foundation
+import Observation
+
+/// 钱包模块服务协议，定义钱包、提现、银行卡和积分接口能力。
+@MainActor
+protocol WalletServing {
+    /// 获取钱包汇总数据。
+    func walletSummary(type: Int) async throws -> WalletSummaryResponse
+
+    /// 获取钱包收益明细分页。
+    func walletEarningDetail(startDate: String, endDate: String, page: Int, pageSize: Int) async throws -> WalletEarningDetailResponse
+
+    /// 获取提现记录分页。
+    func walletWithdrawList(page: Int, pageSize: Int) async throws -> WalletWithdrawListResponse
+
+    /// 获取提现申请所需信息。
+    func withdrawInfo() async throws -> WithdrawInfoResponse
+
+    /// 发送提现短信验证码。
+    func withdrawSendSms() async throws
+
+    /// 提交提现申请。
+    func withdrawApply(amount: String, smsCode: String) async throws
+
+    /// 获取银行卡审核和资料信息。
+    func bankCardInfo() async throws -> BankCardInfoResponse
+
+    /// 获取银行列表。
+    func bankList() async throws -> BankListResponse
+
+    /// 获取省市区列表。
+    func areas() async throws -> [AreaNode]
+
+    /// 发送银行卡设置短信验证码。
+    func bankCardVerifyCode() async throws
+
+    /// 更新银行卡资料。
+    func updateBankInfo(_ request: UpdateBankInfoRequest) async throws
+
+    /// 获取积分概览。
+    func pointOverview(staffId: Int) async throws -> PointOverviewResponse
+
+    /// 提交积分兑换申请。
+    func pointWithdrawApply(points: Int, remark: String) async throws
+
+    /// 获取积分兑换记录。
+    func pointWithdrawList(status: Int?, page: Int, pageSize: Int) async throws -> PointWithdrawListResponse
+}
+
+@MainActor
+@Observable
+/// 钱包 API，封装个人钱包、提现、银行卡和积分兑换网络请求。
+final class WalletAPI {
+    @ObservationIgnored private let client: APIClient
+
+    /// 初始化钱包 API，并注入共享网络客户端。
+    init(client: APIClient) {
+        self.client = client
+    }
+
+    /// 获取钱包汇总数据。
+    func walletSummary(type: Int = 0) async throws -> WalletSummaryResponse {
+        try await client.send(
+            APIRequest(
+                method: .get,
+                path: "/api/yf-handset-app/photog/wallet/summary",
+                queryItems: [URLQueryItem(name: "type", value: String(type))]
+            )
+        )
+    }
+
+    /// 获取钱包收益明细分页。
+    func walletEarningDetail(startDate: String, endDate: String, page: Int, pageSize: Int) async throws -> WalletEarningDetailResponse {
+        try await client.send(
+            APIRequest(
+                method: .get,
+                path: "/api/yf-handset-app/photog/wallet/earning-detail",
+                queryItems: [
+                    URLQueryItem(name: "start_date", value: startDate),
+                    URLQueryItem(name: "end_date", value: endDate),
+                    URLQueryItem(name: "page", value: String(page)),
+                    URLQueryItem(name: "page_size", value: String(pageSize))
+                ]
+            )
+        )
+    }
+
+    /// 获取提现记录分页。
+    func walletWithdrawList(page: Int, pageSize: Int) async throws -> WalletWithdrawListResponse {
+        try await client.send(
+            APIRequest(
+                method: .get,
+                path: "/api/yf-handset-app/photog/wallet/withdraw-list",
+                queryItems: [
+                    URLQueryItem(name: "page", value: String(page)),
+                    URLQueryItem(name: "page_size", value: String(pageSize))
+                ]
+            )
+        )
+    }
+
+    /// 获取提现申请所需信息。
+    func withdrawInfo() async throws -> WithdrawInfoResponse {
+        try await client.send(
+            APIRequest(method: .get, path: "/api/yf-handset-app/photog/wallet/withdraw-info")
+        )
+    }
+
+    /// 发送提现短信验证码。
+    func withdrawSendSms() async throws {
+        let _: EmptyPayload = try await client.send(
+            APIRequest(method: .post, path: "/api/yf-handset-app/photog/wallet/withdraw-send-sms", body: EmptyPayload())
+        )
+    }
+
+    /// 提交提现申请。
+    func withdrawApply(amount: String, smsCode: String) async throws {
+        let _: EmptyPayload = try await client.send(
+            APIRequest(
+                method: .post,
+                path: "/api/yf-handset-app/photog/wallet/withdraw-apply",
+                body: WithdrawApplyRequest(amount: amount, smsCode: smsCode)
+            )
+        )
+    }
+
+    /// 获取银行卡审核和资料信息。
+    func bankCardInfo() async throws -> BankCardInfoResponse {
+        try await client.send(
+            APIRequest(method: .get, path: "/api/yf-handset-app/photog/wallet/bank-card/info")
+        )
+    }
+
+    /// 获取银行列表。
+    func bankList() async throws -> BankListResponse {
+        try await client.send(
+            APIRequest(method: .get, path: "/api/yf-handset-app/photog/wallet/bank-list")
+        )
+    }
+
+    /// 获取省市区列表。
+    func areas() async throws -> [AreaNode] {
+        try await client.send(
+            APIRequest(method: .get, path: "/api/app/config/areas")
+        )
+    }
+
+    /// 发送银行卡设置短信验证码。
+    func bankCardVerifyCode() async throws {
+        let _: EmptyPayload = try await client.send(
+            APIRequest(method: .post, path: "/api/yf-handset-app/photog/wallet/bank-card/sms-verify-code", body: EmptyPayload())
+        )
+    }
+
+    /// 更新银行卡资料。
+    func updateBankInfo(_ request: UpdateBankInfoRequest) async throws {
+        let _: EmptyPayload = try await client.send(
+            APIRequest(method: .post, path: "/api/yf-handset-app/photog/wallet/bank-card/update", body: request)
+        )
+    }
+
+    /// 获取积分概览。
+    func pointOverview(staffId: Int) async throws -> PointOverviewResponse {
+        try await client.send(
+            APIRequest(
+                method: .post,
+                path: "/api/yf-handset-app/photog/point/overview",
+                queryItems: [URLQueryItem(name: "staff_id", value: String(staffId))],
+                body: EmptyPayload()
+            )
+        )
+    }
+
+    /// 提交积分兑换申请。
+    func pointWithdrawApply(points: Int, remark: String = "积分提现申请") async throws {
+        let _: EmptyPayload = try await client.send(
+            APIRequest(
+                method: .post,
+                path: "/api/yf-handset-app/photog/point/withdraw/apply",
+                body: PointWithdrawApplyRequest(points: points, remark: remark)
+            )
+        )
+    }
+
+    /// 获取积分兑换记录。
+    func pointWithdrawList(status: Int? = nil, page: Int, pageSize: Int) async throws -> PointWithdrawListResponse {
+        try await client.send(
+            APIRequest(
+                method: .post,
+                path: "/api/yf-handset-app/photog/point/withdraw/list",
+                body: PointWithdrawListRequest(status: status, page: page, pageSize: pageSize)
+            )
+        )
+    }
+}
+
+extension WalletAPI: WalletServing {}