feat: 对接越南AlinPay支付网关（代收+代付）

- 新增 AlinPay 网关核心类：签名/验签/代收/代付/查询/账户接口
- 新增 alinPay trait：充值发起 + 代收回调结算（事务+行锁）
- 修改 admin/agent Report：提现审批自动路由 ALIN_VN 发起代付
- 新增 Pcapi：银行卡提现申请 + 越南银行列表接口
- 修改 Crypto：代付回调/订单查询/账户查询入口
- 新增越南区 area_list(id=3) + alinPay pay_list 配置
- DDL: user_withdraw 表增加 pay_channel/ext 字段

application/admin/controller/Report.php

@@ -3,6 +3,7 @@
 namespace app\admin\controller;
 
 use pay\Usdt;
+use pay\AlinPay;
 use think\Db;
 use think\Request;
 use think\Session;
@@ -405,19 +406,61 @@ class Report extends Common{
                 die(json_encode(['code'=>0,'msg'=>'非待审核状态无法操作!']));
             }
 
-            // 审核通过
-            $Usdt = new Usdt();
-            $res = $Usdt->applyUserWithdraw($withdraw['order_no'],$withdraw['to_address'],$withdraw['amount']);
-            if($res['code'] == 0){
-                Db::name('user_withdraw')->where('id',$id)->update([
+            // 根据支付渠道路由
+            $payChannel = $withdraw['pay_channel'] ?: 'USDT';
+            $withdrawResult = [];
+
+            if($payChannel == 'ALIN_VN'){
+                // 越南AlinPay代付
+                $ext = json_decode($withdraw['ext'], true) ?: [];
+                $pay_list = config('pay_list');
+                $notifyUrl = $pay_list['alinPay']['payment_notify_url'];
+
+                $alinPay = new AlinPay();
+                $res = $alinPay->createPayment(
+                    $withdraw['order_no'],
+                    sprintf('%.2f', $withdraw['amount']),
+                    $ext['accountName'] ?? '',
+                    $ext['accountNumber'] ?? '',
+                    $ext['bankCode'] ?? '',
+                    $ext['bankName'] ?? '',
+                    $notifyUrl
+                );
+
+                $withdrawResult = [
+                    'status' => (is_array($res) && isset($res['code']) && $res['code'] == 200) ? true : false,
+                    'type' => 'ALIN_VN',
+                    'out_trade_no' => $res['data']['trade_no'] ?? '',
+                    'err_msg' => $res['message'] ?? '请求失败',
+                ];
+            }else{
+                // 默认USDT
+                $Usdt = new Usdt();
+                $res = $Usdt->applyUserWithdraw($withdraw['order_no'],$withdraw['to_address'],$withdraw['amount']);
+                $withdrawResult = [
+                    'status' => $res['code'] == 0 ? true : false,
+                    'type' => $res['processor']['asset'] ?? 'USDT',
+                    'from_address' => $res['processor']['from_addr'] ?? '',
+                    'err_msg' => $res['debug'] ?? '',
+                ];
+            }
+
+            if($withdrawResult['status']){
+                $updateData = [
                     'status' => 'AGREE',
-                    'type' => $res['processor']['asset'],
-                    'from_address' => $res['processor']['from_addr'],
+                    'type' => $withdrawResult['type'] ?? '',
                     'audit_time' => time(),
                     'operator_source' => 2,
                     'operator_id' => $user_info['id'],
                     'operator_username' => $user_info['admin'],
-                ]);
+                ];
+                if(!empty($withdrawResult['from_address'])){
+                    $updateData['from_address'] = $withdrawResult['from_address'];
+                }
+                if(!empty($withdrawResult['out_trade_no'])){
+                    $updateData['out_trade_no'] = $withdrawResult['out_trade_no'];
+                }
+                Db::name('user_withdraw')->where('id',$id)->update($updateData);
                 die(json_encode(['code'=>1,'msg'=>'审核通过!']));
             }else{
                 Db::startTrans();
@@ -430,7 +473,7 @@ class Report extends Common{
                 // 更新记录
                 Db::name('user_withdraw')->where('id',$id)->update([
                     'status' => 'FAIL',
-                    'err_msg' => $res['debug'],
+                    'err_msg' => $withdrawResult['err_msg'],
                     'audit_time' => time(),
                     'operator_source' => 2,
                     'operator_id' => $user_info['id'],