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docs: add phase 2 billing review

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2026-07-02 16:33:31 +08:00
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@@ -25,7 +25,7 @@ Python 3.12 / Django 5.2 LTS + DRF / django-admin / 用户端 Django 模板 SSR
## 当前状态
Phase 2 已完成 T-202：用户钱包、API Key、点数流水、调用记录、计费规则、汇率模型与计费计算已落地。下一步是 T-203 并发安全扣点 / 退点。详见 [`docs/current-state.md`](docs/current-state.md)。
Phase 2 计费核心已完成：用户钱包、API Key、点数流水、调用记录、计费规则、汇率、计费计算、并发安全扣点与失败退点已落地。下一步是 T-301 API Key 鉴权。详见 [`docs/current-state.md`](docs/current-state.md)。
> ⚠️ 涉及资金/点数。改动充值、扣费、退款、对账相关代码前，先读 [`docs/05-coding-rules.md`](docs/05-coding-rules.md) 第 8 节与 [`docs/04-architecture.md`](docs/04-architecture.md) 第四节计费时序。