feat: support credit transfers and precious metal valuations

apps/api/prisma/migrations/20261003000300_inclusion_metals/migration.sql

@@ -0,0 +1,20 @@
+ALTER TABLE User ADD COLUMN includeIndependentAssets BOOLEAN NOT NULL DEFAULT true COMMENT '独立资产是否参与资产总览和净资产轨迹';
+ALTER TABLE Position
+ ADD COLUMN included BOOLEAN NOT NULL DEFAULT true COMMENT '是否参与资产负债总额及净资产轨迹',
+ ADD COLUMN metalType VARCHAR(12) NULL COMMENT '贵金属品种：gold 黄金或 silver 白银',
+ ADD COLUMN metalGrams DECIMAL(24,8) NULL COMMENT '贵金属总重量，单位克',
+ ADD COLUMN metalPurity DECIMAL(12,8) NOT NULL DEFAULT 1 COMMENT '贵金属纯度比例，0 至 1',
+ ADD COLUMN autoValuation BOOLEAN NOT NULL DEFAULT false COMMENT '是否随每日价格更新自动记录估值';
+CREATE TABLE MetalPrice (
+ id CHAR(36) NOT NULL COMMENT '唯一标识',
+ userId CHAR(36) NOT NULL COMMENT '所属用户标识，用于数据隔离',
+ metalType VARCHAR(12) NOT NULL COMMENT '品种：gold 黄金或 silver 白银',
+ currency CHAR(3) NOT NULL COMMENT '价格币种',
+ price DECIMAL(24,12) NOT NULL COMMENT '纯金属每克价格',
+ date DATE NOT NULL COMMENT '报价日期，UTC+8 自然日',
+ source VARCHAR(20) NOT NULL COMMENT '价格来源：manual 或 goldprice',
+ quotedAt DATETIME(3) NOT NULL COMMENT '报价对应时间，UTC',
+ PRIMARY KEY (id),
+ UNIQUE INDEX MetalPrice_userId_metalType_currency_date_key (userId, metalType, currency, date),
+ CONSTRAINT MetalPrice_userId_fkey FOREIGN KEY (userId) REFERENCES User(id) ON DELETE CASCADE ON UPDATE CASCADE
+) DEFAULT CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_ci COMMENT '用户的贵金属每克参考价历史';