fix(fsgx): 修复 issues-0325-1 前端与后端问题

UniApp：会员码图片兜底、海报下载 Promise、账单移除公排退款、
佣金状态与资产页 NavBar、资产接口 total_points_earned。

后端：推荐人须自报单才得周期佣金；升级前快照等级再发积分；
积分按报单商品数量倍乘；伞下级差按伞下基数传递；直推/伞下任务
统计补充 refund_status；周期佣金在事务内锁推荐人行防竞态；
新增 hjf:verify-agent-config 命令做等级与任务 e2e 验收。

Made-with: Cursor

pro_v3.5.1/app/controller/api/v1/hjf/HjfAssets.php

@@ -39,14 +39,17 @@ class HjfAssets
         $frozenPoints = (int)($user['frozen_points'] ?? 0);
         $todayRelease = (int)floor($frozenPoints * 0.0004);
 
+        $availablePoints = (int)($user['available_points'] ?? 0);
+
         return app('json')->successful([
-            'brokerage_price'   => (string)($user['brokerage_price'] ?? '0.00'),
-            'now_money'         => (string)($user['now_money'] ?? '0.00'),
-            'frozen_points'     => $frozenPoints,
-            'available_points'  => (int)($user['available_points'] ?? 0),
-            'today_release'     => $todayRelease,
-            'agent_level'       => (int)($user['agent_level'] ?? 0),
-            'agent_level_name'  => $agentLevelName,
+            'brokerage_price'    => (string)($user['brokerage_price'] ?? '0.00'),
+            'now_money'          => (string)($user['now_money'] ?? '0.00'),
+            'frozen_points'      => $frozenPoints,
+            'available_points'   => $availablePoints,
+            'today_release'      => $todayRelease,
+            'total_points_earned' => $frozenPoints + $availablePoints,
+            'agent_level'        => (int)($user['agent_level'] ?? 0),
+            'agent_level_name'   => $agentLevelName,
         ]);
     }
 }