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/onlinechip/controller/Crypto.php

@@ -2,6 +2,7 @@
 namespace app\onlinechip\controller;
 
 use pay\Ybf;
+use pay\AlinPay;
 use think\Cache;
 use \think\Controller;
 use think\Db;
@@ -230,6 +231,90 @@ class Crypto Extends Controller{
         return $sign == $data['sign'];
     }
 
+    /**
+     * AlinPay 越南代付回调
+     */
+    public function alin_payment_callback()
+    {
+        $post = Request::instance()->post();
+        $json = json_encode($post, JSON_UNESCAPED_UNICODE);
+
+        addLogToFile('越南代付回调原始数据：' . $json, 'alin_callback', 'alin');
+
+        if (!is_array($post) || empty($post['out_trade_no']) || empty($post['sign'])) {
+            exit('fail');
+        }
+
+        // 记录回调日志
+        $logId = Db::name('pay_callback_log')->insertGetId([
+            'pay_channel'  => 'ALIN_PAYMENT',
+            'type'         => 'payment',
+            'json'         => $json,
+            'create_time'  => date('Y-m-d H:i:s'),
+        ]);
+
+        try {
+            $alinPay = new AlinPay();
+            $res = $alinPay->paymentCallback($post, $logId);
+            exit($res ?: 'fail');
+        } catch (\Exception $e) {
+            addLogToFile('越南代付回调异常：' . $e->getMessage(), 'alin_callback_error', 'alin');
+            exit('fail');
+        }
+    }
+
+    /**
+     * AlinPay 越南代收查询
+     */
+    public function alin_query_order()
+    {
+        $orderNo = Request::instance()->post('order_no');
+        if (!$orderNo) {
+            return json(['code' => 0, 'msg' => '缺少订单号']);
+        }
+
+        try {
+            $alinPay = new AlinPay();
+            $result  = $alinPay->queryOrder($orderNo);
+            return json($result);
+        } catch (\Exception $e) {
+            return json(['code' => 0, 'msg' => $e->getMessage()]);
+        }
+    }
+
+    /**
+     * AlinPay 越南代付查询
+     */
+    public function alin_query_payment()
+    {
+        $orderNo = Request::instance()->post('order_no');
+        if (!$orderNo) {
+            return json(['code' => 0, 'msg' => '缺少订单号']);
+        }
+
+        try {
+            $alinPay = new AlinPay();
+            $result  = $alinPay->queryPayment($orderNo);
+            return json($result);
+        } catch (\Exception $e) {
+            return json(['code' => 0, 'msg' => $e->getMessage()]);
+        }
+    }
+
+    /**
+     * AlinPay 账户余额查询
+     */
+    public function alin_query_account()
+    {
+        try {
+            $alinPay = new AlinPay();
+            $result  = $alinPay->queryAccount();
+            return json($result);
+        } catch (\Exception $e) {
+            return json(['code' => 0, 'msg' => $e->getMessage()]);
+        }
+    }
+
     /**
      * 记录日志
      * @param $type