feat: add payout account review flow

2026-01-16 15:17:43 +08:00
parent daaacc3fa4
commit 028c462eaa
21 changed files with 1100 additions and 151 deletions
--- a/backend/app/http/super/v1/dto/super_payout.go
+++ b/backend/app/http/super/v1/dto/super_payout.go
@@ -1,6 +1,9 @@
 package dto

-import "quyun/v2/app/requests"
+import (
+	"quyun/v2/app/requests"
+	"quyun/v2/pkg/consts"
+)

 // SuperPayoutAccountListFilter 超管结算账户列表过滤条件。
 type SuperPayoutAccountListFilter struct {
@@ -17,6 +20,8 @@ type SuperPayoutAccountListFilter struct {
 	Username *string `query:"username"`
 	// Type 账户类型过滤（bank/alipay）。
 	Type *string `query:"type"`
+	// Status 审核状态过滤（pending/approved/rejected）。
+	Status *consts.PayoutAccountStatus `query:"status"`
 	// CreatedAtFrom 创建时间起始（RFC3339）。
 	CreatedAtFrom *string `query:"created_at_from"`
 	// CreatedAtTo 创建时间结束（RFC3339）。
@@ -45,8 +50,25 @@ type SuperPayoutAccountItem struct {
 	Account string `json:"account"`
 	// Realname 收款人姓名。
 	Realname string `json:"realname"`
+	// Status 审核状态。
+	Status consts.PayoutAccountStatus `json:"status"`
+	// StatusDescription 审核状态描述（用于展示）。
+	StatusDescription string `json:"status_description"`
+	// ReviewedBy 审核操作者ID。
+	ReviewedBy int64 `json:"reviewed_by"`
+	// ReviewedAt 审核时间（RFC3339）。
+	ReviewedAt string `json:"reviewed_at"`
+	// ReviewReason 审核说明/驳回原因。
+	ReviewReason string `json:"review_reason"`
 	// CreatedAt 创建时间（RFC3339）。
 	CreatedAt string `json:"created_at"`
 	// UpdatedAt 更新时间（RFC3339）。
 	UpdatedAt string `json:"updated_at"`
 }
+
+type SuperPayoutAccountReviewForm struct {
+	// Action 审核动作（approve/reject）。
+	Action string `json:"action" validate:"required,oneof=approve reject"`
+	// Reason 审核说明（驳回时必填）。
+	Reason string `json:"reason"`
+}
--- a/backend/app/http/super/v1/payout_accounts.go
+++ b/backend/app/http/super/v1/payout_accounts.go
@@ -43,3 +43,21 @@ func (c *payoutAccounts) List(ctx fiber.Ctx, filter *dto.SuperPayoutAccountListF
 func (c *payoutAccounts) Remove(ctx fiber.Ctx, user *models.User, id int64) error {
 	return services.Super.RemovePayoutAccount(ctx, user.ID, id)
 }
+
+// Review payout account
+//
+// @Router /super/v1/payout-accounts/:id<int>/review [post]
+// @Summary Review payout account
+// @Description Review payout account across tenants
+// @Tags Finance
+// @Accept json
+// @Produce json
+// @Param id path int64 true "Payout account ID"
+// @Param form body dto.SuperPayoutAccountReviewForm true "Review form"
+// @Success 200 {string} string "Reviewed"
+// @Bind user local key(__ctx_user)
+// @Bind id path
+// @Bind form body
+func (c *payoutAccounts) Review(ctx fiber.Ctx, user *models.User, id int64, form *dto.SuperPayoutAccountReviewForm) error {
+	return services.Super.ReviewPayoutAccount(ctx, user.ID, id, form)
+}
--- a/backend/app/http/super/v1/routes.gen.go
+++ b/backend/app/http/super/v1/routes.gen.go
@@ -305,6 +305,13 @@ func (r *Routes) Register(router fiber.Router) {
 		r.payoutAccounts.List,
 		Query[dto.SuperPayoutAccountListFilter]("filter"),
 	))
+	r.log.Debugf("Registering route: Post /super/v1/payout-accounts/:id<int>/review -> payoutAccounts.Review")
+	router.Post("/super/v1/payout-accounts/:id<int>/review"[len(r.Path()):], Func3(
+		r.payoutAccounts.Review,
+		Local[*models.User]("__ctx_user"),
+		PathParam[int64]("id"),
+		Body[dto.SuperPayoutAccountReviewForm]("form"),
+	))
 	// Register routes for controller: reports
 	r.log.Debugf("Registering route: Get /super/v1/reports/overview -> reports.Overview")
 	router.Get("/super/v1/reports/overview"[len(r.Path()):], DataFunc1(
--- a/backend/app/http/v1/dto/creator.go
+++ b/backend/app/http/v1/dto/creator.go
@@ -1,6 +1,9 @@
 package dto

-import "quyun/v2/app/requests"
+import (
+	"quyun/v2/app/requests"
+	"quyun/v2/pkg/consts"
+)

 type ApplyForm struct {
 	// Name 频道/创作者名称。
@@ -206,6 +209,14 @@ type PayoutAccount struct {
 	Account string `json:"account"`
 	// Realname 收款人姓名。
 	Realname string `json:"realname"`
+	// Status 审核状态（pending/approved/rejected）。
+	Status consts.PayoutAccountStatus `json:"status"`
+	// StatusDescription 审核状态描述（用于展示）。
+	StatusDescription string `json:"status_description"`
+	// ReviewedAt 审核时间（RFC3339）。
+	ReviewedAt string `json:"reviewed_at"`
+	// ReviewReason 审核说明/驳回原因。
+	ReviewReason string `json:"review_reason"`
 }

 type WithdrawForm struct {
--- a/backend/app/services/creator.go
+++ b/backend/app/services/creator.go
@@ -5,6 +5,7 @@ import (
 	"encoding/json"
 	"errors"
 	"strconv"
+	"strings"
 	"time"

 	"quyun/v2/app/errorx"
@@ -864,7 +865,8 @@ func (s *creator) ListPayoutAccounts(ctx context.Context, tenantID, userID int64
 		return nil, err
 	}

-	list, err := models.PayoutAccountQuery.WithContext(ctx).Where(models.PayoutAccountQuery.TenantID.Eq(tid)).Find()
+	tbl, q := models.PayoutAccountQuery.QueryContext(ctx)
+	list, err := q.Where(tbl.TenantID.Eq(tid)).Find()
 	if err != nil {
 		return nil, errorx.ErrDatabaseError.WithCause(err)
 	}
@@ -873,10 +875,14 @@ func (s *creator) ListPayoutAccounts(ctx context.Context, tenantID, userID int64
 	for _, v := range list {
 		data = append(data, creator_dto.PayoutAccount{
 			ID:                v.ID,
-			Type:     v.Type,
+			Type:              string(v.Type),
 			Name:              v.Name,
 			Account:           v.Account,
 			Realname:          v.Realname,
+			Status:            v.Status,
+			StatusDescription: v.Status.Description(),
+			ReviewedAt:        s.formatTime(v.ReviewedAt),
+			ReviewReason:      v.ReviewReason,
 		})
 	}
 	return data, nil
@@ -892,10 +898,11 @@ func (s *creator) AddPayoutAccount(ctx context.Context, tenantID, userID int64,
 	pa := &models.PayoutAccount{
 		TenantID: tid,
 		UserID:   uid,
-		Type:     form.Type,
+		Type:     consts.PayoutAccountType(form.Type),
 		Name:     form.Name,
 		Account:  form.Account,
 		Realname: form.Realname,
+		Status:   consts.PayoutAccountStatusPending,
 	}
 	if err := models.PayoutAccountQuery.WithContext(ctx).Create(pa); err != nil {
 		return errorx.ErrDatabaseError.WithCause(err)
@@ -909,9 +916,8 @@ func (s *creator) RemovePayoutAccount(ctx context.Context, tenantID, userID, id
 		return err
 	}

-	_, err = models.PayoutAccountQuery.WithContext(ctx).
-		Where(models.PayoutAccountQuery.ID.Eq(id), models.PayoutAccountQuery.TenantID.Eq(tid)).
-		Delete()
+	tbl, q := models.PayoutAccountQuery.QueryContext(ctx)
+	_, err = q.Where(tbl.ID.Eq(id), tbl.TenantID.Eq(tid)).Delete()
 	if err != nil {
 		return errorx.ErrDatabaseError.WithCause(err)
 	}
@@ -925,7 +931,7 @@ func (s *creator) Withdraw(ctx context.Context, tenantID, userID int64, form *cr
 	}
 	uid := userID

-	// Validate User Real-name Status
+	// 校验用户实名认证状态，未通过不允许提现。
 	user, err := models.UserQuery.WithContext(ctx).Where(models.UserQuery.ID.Eq(uid)).First()
 	if err != nil {
 		return errorx.ErrDatabaseError.WithCause(err)
@@ -939,19 +945,25 @@ func (s *creator) Withdraw(ctx context.Context, tenantID, userID int64, form *cr
 		return errorx.ErrBadRequest.WithMsg("金额无效")
 	}

-	// Validate Payout Account
-	account, err := models.PayoutAccountQuery.WithContext(ctx).
-		Where(models.PayoutAccountQuery.ID.Eq(form.AccountID), models.PayoutAccountQuery.TenantID.Eq(tid)).
-		First()
+	// 校验收款账户可用性与审核状态。
+	tbl, q := models.PayoutAccountQuery.QueryContext(ctx)
+	account, err := q.Where(tbl.ID.Eq(form.AccountID), tbl.TenantID.Eq(tid)).First()
 	if err != nil {
 		return errorx.ErrRecordNotFound.WithMsg("收款账户不存在")
 	}
+	if account.Status != consts.PayoutAccountStatusApproved {
+		reason := strings.TrimSpace(account.ReviewReason)
+		if account.Status == consts.PayoutAccountStatusRejected && reason != "" {
+			return errorx.ErrPreconditionFailed.WithMsg("收款账户审核未通过：" + reason)
+		}
+		return errorx.ErrPreconditionFailed.WithMsg("收款账户未审核通过")
+	}

 	// 将收款账户快照写入订单，便于超管审核与打款核对。
 	snapshotPayload, err := json.Marshal(fields.OrdersWithdrawalSnapshot{
 		Method:          form.Method,
 		AccountID:       account.ID,
-		AccountType:     account.Type,
+		AccountType:     string(account.Type),
 		AccountName:     account.Name,
 		Account:         account.Account,
 		AccountRealname: account.Realname,
@@ -1032,6 +1044,13 @@ func (s *creator) getTenantID(ctx context.Context, tenantID, userID int64) (int6
 	return t.ID, nil
 }

+func (s *creator) formatTime(t time.Time) string {
+	if t.IsZero() {
+		return ""
+	}
+	return t.Format(time.RFC3339)
+}
+
 func (s *creator) validateContentAssets(
 	ctx context.Context,
 	tx *models.Query,
--- a/backend/app/services/creator_test.go
+++ b/backend/app/services/creator_test.go
@@ -247,6 +247,7 @@ func (s *CreatorTestSuite) Test_PayoutAccount() {
 			So(err, ShouldBeNil)
 			So(len(list), ShouldEqual, 1)
 			So(list[0].Account, ShouldEqual, "user@example.com")
+			So(list[0].Status, ShouldEqual, consts.PayoutAccountStatusPending)

 			// Remove
 			err = Creator.RemovePayoutAccount(ctx, tenantID, u.ID, list[0].ID)
@@ -285,10 +286,11 @@ func (s *CreatorTestSuite) Test_Withdraw() {
 		pa := &models.PayoutAccount{
 			TenantID: t.ID,
 			UserID:   u.ID,
-			Type:     "bank",
+			Type:     consts.PayoutAccountTypeBank,
 			Name:     "Bank",
 			Account:  "123",
 			Realname: "Creator",
+			Status:   consts.PayoutAccountStatusApproved,
 		}
 		models.PayoutAccountQuery.WithContext(ctx).Create(pa)

@@ -316,7 +318,7 @@ func (s *CreatorTestSuite) Test_Withdraw() {
 			var snap fields.OrdersWithdrawalSnapshot
 			So(json.Unmarshal(o.Snapshot.Data().Data, &snap), ShouldBeNil)
 			So(snap.AccountID, ShouldEqual, pa.ID)
-			So(snap.AccountType, ShouldEqual, pa.Type)
+			So(snap.AccountType, ShouldEqual, string(pa.Type))
 			So(snap.AccountName, ShouldEqual, pa.Name)
 			So(snap.Account, ShouldEqual, pa.Account)
 			So(snap.AccountRealname, ShouldEqual, pa.Realname)
--- a/backend/app/services/super.go
+++ b/backend/app/services/super.go
@@ -14,6 +14,7 @@ import (
 	super_dto "quyun/v2/app/http/super/v1/dto"
 	v1_dto "quyun/v2/app/http/v1/dto"
 	"quyun/v2/app/requests"
+	"quyun/v2/database/fields"
 	"quyun/v2/database/models"
 	"quyun/v2/pkg/consts"
 	jwt_provider "quyun/v2/providers/jwt"
@@ -1150,7 +1151,10 @@ func (s *super) ListPayoutAccounts(ctx context.Context, filter *super_dto.SuperP
 		q = q.Where(tbl.UserID.Eq(*filter.UserID))
 	}
 	if filter.Type != nil && strings.TrimSpace(*filter.Type) != "" {
-		q = q.Where(tbl.Type.Eq(strings.TrimSpace(*filter.Type)))
+		q = q.Where(tbl.Type.Eq(consts.PayoutAccountType(strings.TrimSpace(*filter.Type))))
+	}
+	if filter.Status != nil && *filter.Status != "" {
+		q = q.Where(tbl.Status.Eq(*filter.Status))
 	}

 	tenantIDs, tenantFilter, err := s.lookupTenantIDs(ctx, filter.TenantCode, filter.TenantName)
@@ -1279,10 +1283,15 @@ func (s *super) ListPayoutAccounts(ctx context.Context, filter *super_dto.SuperP
 			TenantName:        tenantName,
 			UserID:            pa.UserID,
 			Username:          username,
-			Type:       pa.Type,
+			Type:              string(pa.Type),
 			Name:              pa.Name,
 			Account:           pa.Account,
 			Realname:          pa.Realname,
+			Status:            pa.Status,
+			StatusDescription: pa.Status.Description(),
+			ReviewedBy:        pa.ReviewedBy,
+			ReviewedAt:        s.formatTime(pa.ReviewedAt),
+			ReviewReason:      pa.ReviewReason,
 			CreatedAt:         s.formatTime(pa.CreatedAt),
 			UpdatedAt:         s.formatTime(pa.UpdatedAt),
 		})
@@ -1322,6 +1331,84 @@ func (s *super) RemovePayoutAccount(ctx context.Context, operatorID, id int64) e
 	return nil
 }

+func (s *super) ReviewPayoutAccount(ctx context.Context, operatorID, id int64, form *super_dto.SuperPayoutAccountReviewForm) error {
+	if operatorID == 0 {
+		return errorx.ErrUnauthorized.WithMsg("缺少操作者信息")
+	}
+	if id == 0 {
+		return errorx.ErrBadRequest.WithMsg("结算账户ID不能为空")
+	}
+	if form == nil {
+		return errorx.ErrBadRequest.WithMsg("审核参数不能为空")
+	}
+
+	action := strings.ToLower(strings.TrimSpace(form.Action))
+	if action != "approve" && action != "reject" {
+		return errorx.ErrBadRequest.WithMsg("审核动作非法")
+	}
+	reason := strings.TrimSpace(form.Reason)
+	if action == "reject" && reason == "" {
+		return errorx.ErrBadRequest.WithMsg("驳回原因不能为空")
+	}
+
+	nextStatus := consts.PayoutAccountStatusApproved
+	if action == "reject" {
+		nextStatus = consts.PayoutAccountStatusRejected
+	}
+
+	var account *models.PayoutAccount
+	// 事务内校验状态并写入审核结果，避免并发重复审核。
+	err := models.Q.Transaction(func(tx *models.Query) error {
+		tbl, q := tx.PayoutAccount.QueryContext(ctx)
+		existing, err := q.Where(tbl.ID.Eq(id)).First()
+		if err != nil {
+			if errors.Is(err, gorm.ErrRecordNotFound) {
+				return errorx.ErrRecordNotFound.WithMsg("结算账户不存在")
+			}
+			return errorx.ErrDatabaseError.WithCause(err)
+		}
+		if existing.Status != consts.PayoutAccountStatusPending {
+			return errorx.ErrStatusConflict.WithMsg("结算账户已完成审核")
+		}
+
+		now := time.Now()
+		updates := map[string]interface{}{
+			"status":        nextStatus,
+			"reviewed_by":   operatorID,
+			"reviewed_at":   now,
+			"review_reason": reason,
+			"updated_at":    now,
+		}
+		if action == "approve" {
+			updates["review_reason"] = ""
+		}
+		if _, err := q.Where(tbl.ID.Eq(existing.ID)).Updates(updates); err != nil {
+			return errorx.ErrDatabaseError.WithCause(err)
+		}
+		account = existing
+		return nil
+	})
+	if err != nil {
+		return err
+	}
+
+	title := "结算账户审核结果"
+	detail := "结算账户审核通过"
+	if action == "reject" {
+		detail = "结算账户审核驳回"
+		if reason != "" {
+			detail += "，原因：" + reason
+		}
+	}
+	if Notification != nil && account != nil {
+		_ = Notification.Send(ctx, account.TenantID, account.UserID, string(consts.NotificationTypeAudit), title, detail)
+	}
+	if Audit != nil && account != nil {
+		Audit.Log(ctx, account.TenantID, operatorID, "review_payout_account", cast.ToString(account.ID), detail)
+	}
+	return nil
+}
+
 func (s *super) ListTenantJoinRequests(ctx context.Context, filter *super_dto.SuperTenantJoinRequestListFilter) (*requests.Pager, error) {
 	if filter == nil {
 		filter = &super_dto.SuperTenantJoinRequestListFilter{}
@@ -8008,6 +8095,26 @@ func (s *super) ApproveWithdrawal(ctx context.Context, operatorID, id int64) err
 		return errorx.ErrStatusConflict.WithMsg("订单状态不正确")
 	}

+	snapshot := o.Snapshot.Data()
+	if snapshot.Kind == "withdrawal" && len(snapshot.Data) > 0 {
+		var snap fields.OrdersWithdrawalSnapshot
+		if err := json.Unmarshal(snapshot.Data, &snap); err != nil {
+			return errorx.ErrInternalError.WithCause(err).WithMsg("解析提现快照失败")
+		}
+		if snap.AccountID > 0 {
+			account, err := models.PayoutAccountQuery.WithContext(ctx).Where(models.PayoutAccountQuery.ID.Eq(snap.AccountID)).First()
+			if err != nil {
+				if errors.Is(err, gorm.ErrRecordNotFound) {
+					return errorx.ErrRecordNotFound.WithMsg("收款账户不存在")
+				}
+				return errorx.ErrDatabaseError.WithCause(err)
+			}
+			if account.Status != consts.PayoutAccountStatusApproved {
+				return errorx.ErrPreconditionFailed.WithMsg("收款账户未审核通过")
+			}
+		}
+	}
+
 	// Mark as Paid (Assumes external transfer done)
 	_, err = models.OrderQuery.WithContext(ctx).Where(models.OrderQuery.ID.Eq(id)).Updates(&models.Order{
 		Status:    consts.OrderStatusPaid,
--- a/backend/app/services/super_test.go
+++ b/backend/app/services/super_test.go
@@ -733,3 +733,67 @@ func (s *SuperTestSuite) Test_OrderGovernance() {
 		})
 	})
 }
+
+func (s *SuperTestSuite) Test_PayoutAccountReview() {
+	Convey("PayoutAccountReview", s.T(), func() {
+		ctx := s.T().Context()
+		database.Truncate(ctx, s.DB, models.TableNamePayoutAccount, models.TableNameUser, models.TableNameTenant)
+
+		admin := &models.User{Username: "payout_admin"}
+		owner := &models.User{Username: "payout_owner"}
+		models.UserQuery.WithContext(ctx).Create(admin, owner)
+
+		tenant := &models.Tenant{
+			UserID: owner.ID,
+			Name:   "Payout Tenant",
+			Code:   "payout",
+			Status: consts.TenantStatusVerified,
+		}
+		models.TenantQuery.WithContext(ctx).Create(tenant)
+
+		account := &models.PayoutAccount{
+			TenantID: tenant.ID,
+			UserID:   owner.ID,
+			Type:     consts.PayoutAccountTypeBank,
+			Name:     "Bank",
+			Account:  "123",
+			Realname: "Owner",
+			Status:   consts.PayoutAccountStatusPending,
+		}
+		models.PayoutAccountQuery.WithContext(ctx).Create(account)
+
+		Convey("should approve payout account", func() {
+			err := Super.ReviewPayoutAccount(ctx, admin.ID, account.ID, &super_dto.SuperPayoutAccountReviewForm{
+				Action: "approve",
+			})
+			So(err, ShouldBeNil)
+
+			reloaded, _ := models.PayoutAccountQuery.WithContext(ctx).Where(models.PayoutAccountQuery.ID.Eq(account.ID)).First()
+			So(reloaded.Status, ShouldEqual, consts.PayoutAccountStatusApproved)
+			So(reloaded.ReviewedBy, ShouldEqual, admin.ID)
+			So(reloaded.ReviewedAt.IsZero(), ShouldBeFalse)
+		})
+
+		Convey("should require reason when rejecting", func() {
+			account2 := &models.PayoutAccount{
+				TenantID: tenant.ID,
+				UserID:   owner.ID,
+				Type:     consts.PayoutAccountTypeAlipay,
+				Name:     "Alipay",
+				Account:  "user@example.com",
+				Realname: "Owner",
+				Status:   consts.PayoutAccountStatusPending,
+			}
+			models.PayoutAccountQuery.WithContext(ctx).Create(account2)
+
+			err := Super.ReviewPayoutAccount(ctx, admin.ID, account2.ID, &super_dto.SuperPayoutAccountReviewForm{
+				Action: "reject",
+			})
+			So(err, ShouldNotBeNil)
+
+			var appErr *errorx.AppError
+			So(errors.As(err, &appErr), ShouldBeTrue)
+			So(appErr.Code, ShouldEqual, errorx.ErrBadRequest.Code)
+		})
+	})
+}
--- a/backend/database/.transform.yaml
+++ b/backend/database/.transform.yaml
@@ -52,6 +52,9 @@ field_type:
    type: consts.CouponType
  user_coupons:
    status: consts.UserCouponStatus
+  payout_accounts:
+    type: consts.PayoutAccountType
+    status: consts.PayoutAccountStatus
  notification_templates:
    type: consts.NotificationType
 field_relate:
--- a/backend/database/migrations/20260116063357_add_payout_account_review.sql
+++ b/backend/database/migrations/20260116063357_add_payout_account_review.sql
@@ -0,0 +1,33 @@
+-- +goose Up
+-- +goose StatementBegin
+ALTER TABLE payout_accounts
+    ADD COLUMN IF NOT EXISTS status VARCHAR(32) NOT NULL DEFAULT 'pending',
+    ADD COLUMN IF NOT EXISTS reviewed_by BIGINT NOT NULL DEFAULT 0,
+    ADD COLUMN IF NOT EXISTS reviewed_at TIMESTAMPTZ,
+    ADD COLUMN IF NOT EXISTS review_reason VARCHAR(255) NOT NULL DEFAULT '';
+
+COMMENT ON COLUMN payout_accounts.status IS '结算账户审核状态；用途：控制提现账户可用性；默认 pending。';
+COMMENT ON COLUMN payout_accounts.reviewed_by IS '结算账户审核操作者ID；用途：审计追踪；默认 0 表示未审核。';
+COMMENT ON COLUMN payout_accounts.reviewed_at IS '结算账户审核时间；用途：记录审核完成时间；未审核为空。';
+COMMENT ON COLUMN payout_accounts.review_reason IS '结算账户审核说明；用途：驳回原因或备注；默认空字符串。';
+
+-- 历史数据默认视为已审核通过，避免新增流程影响既有提现。
+UPDATE payout_accounts
+SET status = 'approved'
+WHERE status = 'pending';
+
+CREATE INDEX IF NOT EXISTS payout_accounts_status_idx ON payout_accounts(status);
+CREATE INDEX IF NOT EXISTS payout_accounts_reviewed_at_idx ON payout_accounts(reviewed_at);
+-- +goose StatementEnd
+
+-- +goose Down
+-- +goose StatementBegin
+DROP INDEX IF EXISTS payout_accounts_reviewed_at_idx;
+DROP INDEX IF EXISTS payout_accounts_status_idx;
+
+ALTER TABLE payout_accounts
+    DROP COLUMN IF EXISTS review_reason,
+    DROP COLUMN IF EXISTS reviewed_at,
+    DROP COLUMN IF EXISTS reviewed_by,
+    DROP COLUMN IF EXISTS status;
+-- +goose StatementEnd
--- a/backend/database/models/contents.gen.go
+++ b/backend/database/models/contents.gen.go
@@ -40,9 +40,9 @@ type Content struct {
 	DeletedAt           gorm.DeletedAt           `gorm:"column:deleted_at;type:timestamp with time zone" json:"deleted_at"`
 	Key                 string                   `gorm:"column:key;type:character varying(32);comment:Musical key/tone" json:"key"`                 // Musical key/tone
 	IsPinned            bool                     `gorm:"column:is_pinned;type:boolean;comment:Whether content is pinned/featured" json:"is_pinned"` // Whether content is pinned/featured
-	Comments            []*Comment               `gorm:"foreignKey:ContentID;references:ID" json:"comments,omitempty"`
 	Author              *User                    `gorm:"foreignKey:UserID;references:ID" json:"author,omitempty"`
 	ContentAssets       []*ContentAsset          `gorm:"foreignKey:ContentID;references:ID" json:"content_assets,omitempty"`
+	Comments            []*Comment               `gorm:"foreignKey:ContentID;references:ID" json:"comments,omitempty"`
 }

 // Quick operations without importing query package
--- a/backend/database/models/contents.query.gen.go
+++ b/backend/database/models/contents.query.gen.go
@@ -46,12 +46,6 @@ func newContent(db *gorm.DB, opts ...gen.DOOption) contentQuery {
 	_contentQuery.DeletedAt = field.NewField(tableName, "deleted_at")
 	_contentQuery.Key = field.NewString(tableName, "key")
 	_contentQuery.IsPinned = field.NewBool(tableName, "is_pinned")
-	_contentQuery.Comments = contentQueryHasManyComments{
-		db: db.Session(&gorm.Session{}),
-
-		RelationField: field.NewRelation("Comments", "Comment"),
-	}
-
 	_contentQuery.Author = contentQueryBelongsToAuthor{
 		db: db.Session(&gorm.Session{}),

@@ -64,6 +58,12 @@ func newContent(db *gorm.DB, opts ...gen.DOOption) contentQuery {
 		RelationField: field.NewRelation("ContentAssets", "ContentAsset"),
 	}

+	_contentQuery.Comments = contentQueryHasManyComments{
+		db: db.Session(&gorm.Session{}),
+
+		RelationField: field.NewRelation("Comments", "Comment"),
+	}
+
 	_contentQuery.fillFieldMap()

 	return _contentQuery
@@ -94,12 +94,12 @@ type contentQuery struct {
 	DeletedAt           field.Field
 	Key                 field.String // Musical key/tone
 	IsPinned            field.Bool   // Whether content is pinned/featured
-	Comments            contentQueryHasManyComments
-
 	Author              contentQueryBelongsToAuthor

 	ContentAssets contentQueryHasManyContentAssets

+	Comments contentQueryHasManyComments
+
 	fieldMap map[string]field.Expr
 }

@@ -195,104 +195,23 @@ func (c *contentQuery) fillFieldMap() {

 func (c contentQuery) clone(db *gorm.DB) contentQuery {
 	c.contentQueryDo.ReplaceConnPool(db.Statement.ConnPool)
-	c.Comments.db = db.Session(&gorm.Session{Initialized: true})
-	c.Comments.db.Statement.ConnPool = db.Statement.ConnPool
 	c.Author.db = db.Session(&gorm.Session{Initialized: true})
 	c.Author.db.Statement.ConnPool = db.Statement.ConnPool
 	c.ContentAssets.db = db.Session(&gorm.Session{Initialized: true})
 	c.ContentAssets.db.Statement.ConnPool = db.Statement.ConnPool
+	c.Comments.db = db.Session(&gorm.Session{Initialized: true})
+	c.Comments.db.Statement.ConnPool = db.Statement.ConnPool
 	return c
 }

 func (c contentQuery) replaceDB(db *gorm.DB) contentQuery {
 	c.contentQueryDo.ReplaceDB(db)
-	c.Comments.db = db.Session(&gorm.Session{})
 	c.Author.db = db.Session(&gorm.Session{})
 	c.ContentAssets.db = db.Session(&gorm.Session{})
+	c.Comments.db = db.Session(&gorm.Session{})
 	return c
 }

-type contentQueryHasManyComments struct {
-	db *gorm.DB
-
-	field.RelationField
-}
-
-func (a contentQueryHasManyComments) Where(conds ...field.Expr) *contentQueryHasManyComments {
-	if len(conds) == 0 {
-		return &a
-	}
-
-	exprs := make([]clause.Expression, 0, len(conds))
-	for _, cond := range conds {
-		exprs = append(exprs, cond.BeCond().(clause.Expression))
-	}
-	a.db = a.db.Clauses(clause.Where{Exprs: exprs})
-	return &a
-}
-
-func (a contentQueryHasManyComments) WithContext(ctx context.Context) *contentQueryHasManyComments {
-	a.db = a.db.WithContext(ctx)
-	return &a
-}
-
-func (a contentQueryHasManyComments) Session(session *gorm.Session) *contentQueryHasManyComments {
-	a.db = a.db.Session(session)
-	return &a
-}
-
-func (a contentQueryHasManyComments) Model(m *Content) *contentQueryHasManyCommentsTx {
-	return &contentQueryHasManyCommentsTx{a.db.Model(m).Association(a.Name())}
-}
-
-func (a contentQueryHasManyComments) Unscoped() *contentQueryHasManyComments {
-	a.db = a.db.Unscoped()
-	return &a
-}
-
-type contentQueryHasManyCommentsTx struct{ tx *gorm.Association }
-
-func (a contentQueryHasManyCommentsTx) Find() (result []*Comment, err error) {
-	return result, a.tx.Find(&result)
-}
-
-func (a contentQueryHasManyCommentsTx) Append(values ...*Comment) (err error) {
-	targetValues := make([]interface{}, len(values))
-	for i, v := range values {
-		targetValues[i] = v
-	}
-	return a.tx.Append(targetValues...)
-}
-
-func (a contentQueryHasManyCommentsTx) Replace(values ...*Comment) (err error) {
-	targetValues := make([]interface{}, len(values))
-	for i, v := range values {
-		targetValues[i] = v
-	}
-	return a.tx.Replace(targetValues...)
-}
-
-func (a contentQueryHasManyCommentsTx) Delete(values ...*Comment) (err error) {
-	targetValues := make([]interface{}, len(values))
-	for i, v := range values {
-		targetValues[i] = v
-	}
-	return a.tx.Delete(targetValues...)
-}
-
-func (a contentQueryHasManyCommentsTx) Clear() error {
-	return a.tx.Clear()
-}
-
-func (a contentQueryHasManyCommentsTx) Count() int64 {
-	return a.tx.Count()
-}
-
-func (a contentQueryHasManyCommentsTx) Unscoped() *contentQueryHasManyCommentsTx {
-	a.tx = a.tx.Unscoped()
-	return &a
-}
-
 type contentQueryBelongsToAuthor struct {
 	db *gorm.DB

@@ -455,6 +374,87 @@ func (a contentQueryHasManyContentAssetsTx) Unscoped() *contentQueryHasManyConte
 	return &a
 }

+type contentQueryHasManyComments struct {
+	db *gorm.DB
+
+	field.RelationField
+}
+
+func (a contentQueryHasManyComments) Where(conds ...field.Expr) *contentQueryHasManyComments {
+	if len(conds) == 0 {
+		return &a
+	}
+
+	exprs := make([]clause.Expression, 0, len(conds))
+	for _, cond := range conds {
+		exprs = append(exprs, cond.BeCond().(clause.Expression))
+	}
+	a.db = a.db.Clauses(clause.Where{Exprs: exprs})
+	return &a
+}
+
+func (a contentQueryHasManyComments) WithContext(ctx context.Context) *contentQueryHasManyComments {
+	a.db = a.db.WithContext(ctx)
+	return &a
+}
+
+func (a contentQueryHasManyComments) Session(session *gorm.Session) *contentQueryHasManyComments {
+	a.db = a.db.Session(session)
+	return &a
+}
+
+func (a contentQueryHasManyComments) Model(m *Content) *contentQueryHasManyCommentsTx {
+	return &contentQueryHasManyCommentsTx{a.db.Model(m).Association(a.Name())}
+}
+
+func (a contentQueryHasManyComments) Unscoped() *contentQueryHasManyComments {
+	a.db = a.db.Unscoped()
+	return &a
+}
+
+type contentQueryHasManyCommentsTx struct{ tx *gorm.Association }
+
+func (a contentQueryHasManyCommentsTx) Find() (result []*Comment, err error) {
+	return result, a.tx.Find(&result)
+}
+
+func (a contentQueryHasManyCommentsTx) Append(values ...*Comment) (err error) {
+	targetValues := make([]interface{}, len(values))
+	for i, v := range values {
+		targetValues[i] = v
+	}
+	return a.tx.Append(targetValues...)
+}
+
+func (a contentQueryHasManyCommentsTx) Replace(values ...*Comment) (err error) {
+	targetValues := make([]interface{}, len(values))
+	for i, v := range values {
+		targetValues[i] = v
+	}
+	return a.tx.Replace(targetValues...)
+}
+
+func (a contentQueryHasManyCommentsTx) Delete(values ...*Comment) (err error) {
+	targetValues := make([]interface{}, len(values))
+	for i, v := range values {
+		targetValues[i] = v
+	}
+	return a.tx.Delete(targetValues...)
+}
+
+func (a contentQueryHasManyCommentsTx) Clear() error {
+	return a.tx.Clear()
+}
+
+func (a contentQueryHasManyCommentsTx) Count() int64 {
+	return a.tx.Count()
+}
+
+func (a contentQueryHasManyCommentsTx) Unscoped() *contentQueryHasManyCommentsTx {
+	a.tx = a.tx.Unscoped()
+	return &a
+}
+
 type contentQueryDo struct{ gen.DO }

 func (c contentQueryDo) Debug() *contentQueryDo {
--- a/backend/database/models/payout_accounts.gen.go
+++ b/backend/database/models/payout_accounts.gen.go
@@ -8,6 +8,8 @@ import (
 	"context"
 	"time"

+	"quyun/v2/pkg/consts"
+
 	"go.ipao.vip/gen"
 )

@@ -18,12 +20,16 @@ type PayoutAccount struct {
 	ID           int64                      `gorm:"column:id;type:bigint;primaryKey;autoIncrement:true" json:"id"`
 	TenantID     int64                      `gorm:"column:tenant_id;type:bigint;not null" json:"tenant_id"`
 	UserID       int64                      `gorm:"column:user_id;type:bigint;not null" json:"user_id"`
-	Type      string    `gorm:"column:type;type:character varying(32);not null" json:"type"`
+	Type         consts.PayoutAccountType   `gorm:"column:type;type:character varying(32);not null" json:"type"`
 	Name         string                     `gorm:"column:name;type:character varying(128);not null" json:"name"`
 	Account      string                     `gorm:"column:account;type:character varying(128);not null" json:"account"`
 	Realname     string                     `gorm:"column:realname;type:character varying(128);not null" json:"realname"`
 	CreatedAt    time.Time                  `gorm:"column:created_at;type:timestamp with time zone;default:now()" json:"created_at"`
 	UpdatedAt    time.Time                  `gorm:"column:updated_at;type:timestamp with time zone;default:now()" json:"updated_at"`
+	Status       consts.PayoutAccountStatus `gorm:"column:status;type:character varying(32);not null;default:pending;comment:结算账户审核状态；用途：控制提现账户可用性；默认 pending。" json:"status"` // 结算账户审核状态；用途：控制提现账户可用性；默认 pending。
+	ReviewedBy   int64                      `gorm:"column:reviewed_by;type:bigint;not null;comment:结算账户审核操作者ID；用途：审计追踪；默认 0 表示未审核。" json:"reviewed_by"`                        // 结算账户审核操作者ID；用途：审计追踪；默认 0 表示未审核。
+	ReviewedAt   time.Time                  `gorm:"column:reviewed_at;type:timestamp with time zone;comment:结算账户审核时间；用途：记录审核完成时间；未审核为空。" json:"reviewed_at"`                   // 结算账户审核时间；用途：记录审核完成时间；未审核为空。
+	ReviewReason string                     `gorm:"column:review_reason;type:character varying(255);not null;comment:结算账户审核说明；用途：驳回原因或备注；默认空字符串。" json:"review_reason"`        // 结算账户审核说明；用途：驳回原因或备注；默认空字符串。
 }

 // Quick operations without importing query package
--- a/backend/database/models/payout_accounts.query.gen.go
+++ b/backend/database/models/payout_accounts.query.gen.go
@@ -28,12 +28,16 @@ func newPayoutAccount(db *gorm.DB, opts ...gen.DOOption) payoutAccountQuery {
 	_payoutAccountQuery.ID = field.NewInt64(tableName, "id")
 	_payoutAccountQuery.TenantID = field.NewInt64(tableName, "tenant_id")
 	_payoutAccountQuery.UserID = field.NewInt64(tableName, "user_id")
-	_payoutAccountQuery.Type = field.NewString(tableName, "type")
+	_payoutAccountQuery.Type = field.NewField(tableName, "type")
 	_payoutAccountQuery.Name = field.NewString(tableName, "name")
 	_payoutAccountQuery.Account = field.NewString(tableName, "account")
 	_payoutAccountQuery.Realname = field.NewString(tableName, "realname")
 	_payoutAccountQuery.CreatedAt = field.NewTime(tableName, "created_at")
 	_payoutAccountQuery.UpdatedAt = field.NewTime(tableName, "updated_at")
+	_payoutAccountQuery.Status = field.NewField(tableName, "status")
+	_payoutAccountQuery.ReviewedBy = field.NewInt64(tableName, "reviewed_by")
+	_payoutAccountQuery.ReviewedAt = field.NewTime(tableName, "reviewed_at")
+	_payoutAccountQuery.ReviewReason = field.NewString(tableName, "review_reason")

 	_payoutAccountQuery.fillFieldMap()

@@ -47,12 +51,16 @@ type payoutAccountQuery struct {
 	ID           field.Int64
 	TenantID     field.Int64
 	UserID       field.Int64
-	Type      field.String
+	Type         field.Field
 	Name         field.String
 	Account      field.String
 	Realname     field.String
 	CreatedAt    field.Time
 	UpdatedAt    field.Time
+	Status       field.Field  // 结算账户审核状态；用途：控制提现账户可用性；默认 pending。
+	ReviewedBy   field.Int64  // 结算账户审核操作者ID；用途：审计追踪；默认 0 表示未审核。
+	ReviewedAt   field.Time   // 结算账户审核时间；用途：记录审核完成时间；未审核为空。
+	ReviewReason field.String // 结算账户审核说明；用途：驳回原因或备注；默认空字符串。

 	fieldMap map[string]field.Expr
 }
@@ -72,12 +80,16 @@ func (p *payoutAccountQuery) updateTableName(table string) *payoutAccountQuery {
 	p.ID = field.NewInt64(table, "id")
 	p.TenantID = field.NewInt64(table, "tenant_id")
 	p.UserID = field.NewInt64(table, "user_id")
-	p.Type = field.NewString(table, "type")
+	p.Type = field.NewField(table, "type")
 	p.Name = field.NewString(table, "name")
 	p.Account = field.NewString(table, "account")
 	p.Realname = field.NewString(table, "realname")
 	p.CreatedAt = field.NewTime(table, "created_at")
 	p.UpdatedAt = field.NewTime(table, "updated_at")
+	p.Status = field.NewField(table, "status")
+	p.ReviewedBy = field.NewInt64(table, "reviewed_by")
+	p.ReviewedAt = field.NewTime(table, "reviewed_at")
+	p.ReviewReason = field.NewString(table, "review_reason")

 	p.fillFieldMap()

@@ -110,7 +122,7 @@ func (p *payoutAccountQuery) GetFieldByName(fieldName string) (field.OrderExpr,
 }

 func (p *payoutAccountQuery) fillFieldMap() {
-	p.fieldMap = make(map[string]field.Expr, 9)
+	p.fieldMap = make(map[string]field.Expr, 13)
 	p.fieldMap["id"] = p.ID
 	p.fieldMap["tenant_id"] = p.TenantID
 	p.fieldMap["user_id"] = p.UserID
@@ -120,6 +132,10 @@ func (p *payoutAccountQuery) fillFieldMap() {
 	p.fieldMap["realname"] = p.Realname
 	p.fieldMap["created_at"] = p.CreatedAt
 	p.fieldMap["updated_at"] = p.UpdatedAt
+	p.fieldMap["status"] = p.Status
+	p.fieldMap["reviewed_by"] = p.ReviewedBy
+	p.fieldMap["reviewed_at"] = p.ReviewedAt
+	p.fieldMap["review_reason"] = p.ReviewReason
 }

 func (p payoutAccountQuery) clone(db *gorm.DB) payoutAccountQuery {
--- a/backend/docs/docs.go
+++ b/backend/docs/docs.go
@@ -1594,6 +1594,48 @@ const docTemplate = `{
                }
            }
        },
+        "/super/v1/payout-accounts/{id}/review": {
+            "post": {
+                "description": "Review payout account across tenants",
+                "consumes": [
+                    "application/json"
+                ],
+                "produces": [
+                    "application/json"
+                ],
+                "tags": [
+                    "Finance"
+                ],
+                "summary": "Review payout account",
+                "parameters": [
+                    {
+                        "type": "integer",
+                        "format": "int64",
+                        "description": "Payout account ID",
+                        "name": "id",
+                        "in": "path",
+                        "required": true
+                    },
+                    {
+                        "description": "Review form",
+                        "name": "form",
+                        "in": "body",
+                        "required": true,
+                        "schema": {
+                            "$ref": "#/definitions/dto.SuperPayoutAccountReviewForm"
+                        }
+                    }
+                ],
+                "responses": {
+                    "200": {
+                        "description": "Reviewed",
+                        "schema": {
+                            "type": "string"
+                        }
+                    }
+                }
+            }
+        },
        "/super/v1/reports/export": {
            "post": {
                "description": "Export platform report data",
@@ -6278,6 +6320,19 @@ const docTemplate = `{
                "OrderTypeWithdrawal"
            ]
        },
+        "consts.PayoutAccountStatus": {
+            "type": "string",
+            "enum": [
+                "pending",
+                "approved",
+                "rejected"
+            ],
+            "x-enum-varnames": [
+                "PayoutAccountStatusPending",
+                "PayoutAccountStatusApproved",
+                "PayoutAccountStatusRejected"
+            ]
+        },
        "consts.Role": {
            "type": "string",
            "enum": [
@@ -7432,6 +7487,26 @@ const docTemplate = `{
                    "description": "Realname 收款人姓名。",
                    "type": "string"
                },
+                "review_reason": {
+                    "description": "ReviewReason 审核说明/驳回原因。",
+                    "type": "string"
+                },
+                "reviewed_at": {
+                    "description": "ReviewedAt 审核时间（RFC3339）。",
+                    "type": "string"
+                },
+                "status": {
+                    "description": "Status 审核状态（pending/approved/rejected）。",
+                    "allOf": [
+                        {
+                            "$ref": "#/definitions/consts.PayoutAccountStatus"
+                        }
+                    ]
+                },
+                "status_description": {
+                    "description": "StatusDescription 审核状态描述（用于展示）。",
+                    "type": "string"
+                },
                "type": {
                    "description": "Type 账户类型（bank/alipay）。",
                    "type": "string"
@@ -9094,6 +9169,30 @@ const docTemplate = `{
                    "description": "Realname 收款人姓名。",
                    "type": "string"
                },
+                "review_reason": {
+                    "description": "ReviewReason 审核说明/驳回原因。",
+                    "type": "string"
+                },
+                "reviewed_at": {
+                    "description": "ReviewedAt 审核时间（RFC3339）。",
+                    "type": "string"
+                },
+                "reviewed_by": {
+                    "description": "ReviewedBy 审核操作者ID。",
+                    "type": "integer"
+                },
+                "status": {
+                    "description": "Status 审核状态。",
+                    "allOf": [
+                        {
+                            "$ref": "#/definitions/consts.PayoutAccountStatus"
+                        }
+                    ]
+                },
+                "status_description": {
+                    "description": "StatusDescription 审核状态描述（用于展示）。",
+                    "type": "string"
+                },
                "tenant_code": {
                    "description": "TenantCode 租户编码。",
                    "type": "string"
@@ -9124,6 +9223,26 @@ const docTemplate = `{
                }
            }
        },
+        "dto.SuperPayoutAccountReviewForm": {
+            "type": "object",
+            "required": [
+                "action"
+            ],
+            "properties": {
+                "action": {
+                    "description": "Action 审核动作（approve/reject）。",
+                    "type": "string",
+                    "enum": [
+                        "approve",
+                        "reject"
+                    ]
+                },
+                "reason": {
+                    "description": "Reason 审核说明（驳回时必填）。",
+                    "type": "string"
+                }
+            }
+        },
        "dto.SuperReportExportForm": {
            "type": "object",
            "properties": {
--- a/backend/docs/swagger.json
+++ b/backend/docs/swagger.json
@@ -1588,6 +1588,48 @@
                }
            }
        },
+        "/super/v1/payout-accounts/{id}/review": {
+            "post": {
+                "description": "Review payout account across tenants",
+                "consumes": [
+                    "application/json"
+                ],
+                "produces": [
+                    "application/json"
+                ],
+                "tags": [
+                    "Finance"
+                ],
+                "summary": "Review payout account",
+                "parameters": [
+                    {
+                        "type": "integer",
+                        "format": "int64",
+                        "description": "Payout account ID",
+                        "name": "id",
+                        "in": "path",
+                        "required": true
+                    },
+                    {
+                        "description": "Review form",
+                        "name": "form",
+                        "in": "body",
+                        "required": true,
+                        "schema": {
+                            "$ref": "#/definitions/dto.SuperPayoutAccountReviewForm"
+                        }
+                    }
+                ],
+                "responses": {
+                    "200": {
+                        "description": "Reviewed",
+                        "schema": {
+                            "type": "string"
+                        }
+                    }
+                }
+            }
+        },
        "/super/v1/reports/export": {
            "post": {
                "description": "Export platform report data",
@@ -6272,6 +6314,19 @@
                "OrderTypeWithdrawal"
            ]
        },
+        "consts.PayoutAccountStatus": {
+            "type": "string",
+            "enum": [
+                "pending",
+                "approved",
+                "rejected"
+            ],
+            "x-enum-varnames": [
+                "PayoutAccountStatusPending",
+                "PayoutAccountStatusApproved",
+                "PayoutAccountStatusRejected"
+            ]
+        },
        "consts.Role": {
            "type": "string",
            "enum": [
@@ -7426,6 +7481,26 @@
                    "description": "Realname 收款人姓名。",
                    "type": "string"
                },
+                "review_reason": {
+                    "description": "ReviewReason 审核说明/驳回原因。",
+                    "type": "string"
+                },
+                "reviewed_at": {
+                    "description": "ReviewedAt 审核时间（RFC3339）。",
+                    "type": "string"
+                },
+                "status": {
+                    "description": "Status 审核状态（pending/approved/rejected）。",
+                    "allOf": [
+                        {
+                            "$ref": "#/definitions/consts.PayoutAccountStatus"
+                        }
+                    ]
+                },
+                "status_description": {
+                    "description": "StatusDescription 审核状态描述（用于展示）。",
+                    "type": "string"
+                },
                "type": {
                    "description": "Type 账户类型（bank/alipay）。",
                    "type": "string"
@@ -9088,6 +9163,30 @@
                    "description": "Realname 收款人姓名。",
                    "type": "string"
                },
+                "review_reason": {
+                    "description": "ReviewReason 审核说明/驳回原因。",
+                    "type": "string"
+                },
+                "reviewed_at": {
+                    "description": "ReviewedAt 审核时间（RFC3339）。",
+                    "type": "string"
+                },
+                "reviewed_by": {
+                    "description": "ReviewedBy 审核操作者ID。",
+                    "type": "integer"
+                },
+                "status": {
+                    "description": "Status 审核状态。",
+                    "allOf": [
+                        {
+                            "$ref": "#/definitions/consts.PayoutAccountStatus"
+                        }
+                    ]
+                },
+                "status_description": {
+                    "description": "StatusDescription 审核状态描述（用于展示）。",
+                    "type": "string"
+                },
                "tenant_code": {
                    "description": "TenantCode 租户编码。",
                    "type": "string"
@@ -9118,6 +9217,26 @@
                }
            }
        },
+        "dto.SuperPayoutAccountReviewForm": {
+            "type": "object",
+            "required": [
+                "action"
+            ],
+            "properties": {
+                "action": {
+                    "description": "Action 审核动作（approve/reject）。",
+                    "type": "string",
+                    "enum": [
+                        "approve",
+                        "reject"
+                    ]
+                },
+                "reason": {
+                    "description": "Reason 审核说明（驳回时必填）。",
+                    "type": "string"
+                }
+            }
+        },
        "dto.SuperReportExportForm": {
            "type": "object",
            "properties": {
--- a/backend/docs/swagger.yaml
+++ b/backend/docs/swagger.yaml
@@ -118,6 +118,16 @@ definitions:
    - OrderTypeContentPurchase
    - OrderTypeRecharge
    - OrderTypeWithdrawal
+  consts.PayoutAccountStatus:
+    enum:
+    - pending
+    - approved
+    - rejected
+    type: string
+    x-enum-varnames:
+    - PayoutAccountStatusPending
+    - PayoutAccountStatusApproved
+    - PayoutAccountStatusRejected
  consts.Role:
    enum:
    - user
@@ -940,6 +950,19 @@ definitions:
      realname:
        description: Realname 收款人姓名。
        type: string
+      review_reason:
+        description: ReviewReason 审核说明/驳回原因。
+        type: string
+      reviewed_at:
+        description: ReviewedAt 审核时间（RFC3339）。
+        type: string
+      status:
+        allOf:
+        - $ref: '#/definitions/consts.PayoutAccountStatus'
+        description: Status 审核状态（pending/approved/rejected）。
+      status_description:
+        description: StatusDescription 审核状态描述（用于展示）。
+        type: string
      type:
        description: Type 账户类型（bank/alipay）。
        type: string
@@ -2100,6 +2123,22 @@ definitions:
      realname:
        description: Realname 收款人姓名。
        type: string
+      review_reason:
+        description: ReviewReason 审核说明/驳回原因。
+        type: string
+      reviewed_at:
+        description: ReviewedAt 审核时间（RFC3339）。
+        type: string
+      reviewed_by:
+        description: ReviewedBy 审核操作者ID。
+        type: integer
+      status:
+        allOf:
+        - $ref: '#/definitions/consts.PayoutAccountStatus'
+        description: Status 审核状态。
+      status_description:
+        description: StatusDescription 审核状态描述（用于展示）。
+        type: string
      tenant_code:
        description: TenantCode 租户编码。
        type: string
@@ -2122,6 +2161,20 @@ definitions:
        description: Username 用户名。
        type: string
    type: object
+  dto.SuperPayoutAccountReviewForm:
+    properties:
+      action:
+        description: Action 审核动作（approve/reject）。
+        enum:
+        - approve
+        - reject
+        type: string
+      reason:
+        description: Reason 审核说明（驳回时必填）。
+        type: string
+    required:
+    - action
+    type: object
  dto.SuperReportExportForm:
    properties:
      end_at:
@@ -4266,6 +4319,34 @@ paths:
      summary: Remove payout account
      tags:
      - Finance
+  /super/v1/payout-accounts/{id}/review:
+    post:
+      consumes:
+      - application/json
+      description: Review payout account across tenants
+      parameters:
+      - description: Payout account ID
+        format: int64
+        in: path
+        name: id
+        required: true
+        type: integer
+      - description: Review form
+        in: body
+        name: form
+        required: true
+        schema:
+          $ref: '#/definitions/dto.SuperPayoutAccountReviewForm'
+      produces:
+      - application/json
+      responses:
+        "200":
+          description: Reviewed
+          schema:
+            type: string
+      summary: Review payout account
+      tags:
+      - Finance
  /super/v1/reports/export:
    post:
      consumes:
--- a/backend/pkg/consts/payout_account.gen.go
+++ b/backend/pkg/consts/payout_account.gen.go
@@ -0,0 +1,179 @@
+// Code generated by go-enum DO NOT EDIT.
+// Version: -
+// Revision: -
+// Build Date: -
+// Built By: -
+
+package consts
+
+import (
+	"database/sql/driver"
+	"errors"
+	"fmt"
+	"strings"
+)
+
+const (
+	// PayoutAccountStatusPending is a PayoutAccountStatus of type pending.
+	PayoutAccountStatusPending PayoutAccountStatus = "pending"
+	// PayoutAccountStatusApproved is a PayoutAccountStatus of type approved.
+	PayoutAccountStatusApproved PayoutAccountStatus = "approved"
+	// PayoutAccountStatusRejected is a PayoutAccountStatus of type rejected.
+	PayoutAccountStatusRejected PayoutAccountStatus = "rejected"
+)
+
+var ErrInvalidPayoutAccountStatus = fmt.Errorf("not a valid PayoutAccountStatus, try [%s]", strings.Join(_PayoutAccountStatusNames, ", "))
+
+var _PayoutAccountStatusNames = []string{
+	string(PayoutAccountStatusPending),
+	string(PayoutAccountStatusApproved),
+	string(PayoutAccountStatusRejected),
+}
+
+// PayoutAccountStatusNames returns a list of possible string values of PayoutAccountStatus.
+func PayoutAccountStatusNames() []string {
+	tmp := make([]string, len(_PayoutAccountStatusNames))
+	copy(tmp, _PayoutAccountStatusNames)
+	return tmp
+}
+
+// PayoutAccountStatusValues returns a list of the values for PayoutAccountStatus
+func PayoutAccountStatusValues() []PayoutAccountStatus {
+	return []PayoutAccountStatus{
+		PayoutAccountStatusPending,
+		PayoutAccountStatusApproved,
+		PayoutAccountStatusRejected,
+	}
+}
+
+// String implements the Stringer interface.
+func (x PayoutAccountStatus) String() string {
+	return string(x)
+}
+
+// IsValid provides a quick way to determine if the typed value is
+// part of the allowed enumerated values
+func (x PayoutAccountStatus) IsValid() bool {
+	_, err := ParsePayoutAccountStatus(string(x))
+	return err == nil
+}
+
+var _PayoutAccountStatusValue = map[string]PayoutAccountStatus{
+	"pending":  PayoutAccountStatusPending,
+	"approved": PayoutAccountStatusApproved,
+	"rejected": PayoutAccountStatusRejected,
+}
+
+// ParsePayoutAccountStatus attempts to convert a string to a PayoutAccountStatus.
+func ParsePayoutAccountStatus(name string) (PayoutAccountStatus, error) {
+	if x, ok := _PayoutAccountStatusValue[name]; ok {
+		return x, nil
+	}
+	return PayoutAccountStatus(""), fmt.Errorf("%s is %w", name, ErrInvalidPayoutAccountStatus)
+}
+
+var errPayoutAccountStatusNilPtr = errors.New("value pointer is nil") // one per type for package clashes
+
+// Scan implements the Scanner interface.
+func (x *PayoutAccountStatus) Scan(value interface{}) (err error) {
+	if value == nil {
+		*x = PayoutAccountStatus("")
+		return
+	}
+
+	// A wider range of scannable types.
+	// driver.Value values at the top of the list for expediency
+	switch v := value.(type) {
+	case string:
+		*x, err = ParsePayoutAccountStatus(v)
+	case []byte:
+		*x, err = ParsePayoutAccountStatus(string(v))
+	case PayoutAccountStatus:
+		*x = v
+	case *PayoutAccountStatus:
+		if v == nil {
+			return errPayoutAccountStatusNilPtr
+		}
+		*x = *v
+	case *string:
+		if v == nil {
+			return errPayoutAccountStatusNilPtr
+		}
+		*x, err = ParsePayoutAccountStatus(*v)
+	default:
+		return errors.New("invalid type for PayoutAccountStatus")
+	}
+
+	return
+}
+
+// Value implements the driver Valuer interface.
+func (x PayoutAccountStatus) Value() (driver.Value, error) {
+	return x.String(), nil
+}
+
+// Set implements the Golang flag.Value interface func.
+func (x *PayoutAccountStatus) Set(val string) error {
+	v, err := ParsePayoutAccountStatus(val)
+	*x = v
+	return err
+}
+
+// Get implements the Golang flag.Getter interface func.
+func (x *PayoutAccountStatus) Get() interface{} {
+	return *x
+}
+
+// Type implements the github.com/spf13/pFlag Value interface.
+func (x *PayoutAccountStatus) Type() string {
+	return "PayoutAccountStatus"
+}
+
+type NullPayoutAccountStatus struct {
+	PayoutAccountStatus PayoutAccountStatus
+	Valid               bool
+}
+
+func NewNullPayoutAccountStatus(val interface{}) (x NullPayoutAccountStatus) {
+	err := x.Scan(val) // yes, we ignore this error, it will just be an invalid value.
+	_ = err            // make any errcheck linters happy
+	return
+}
+
+// Scan implements the Scanner interface.
+func (x *NullPayoutAccountStatus) Scan(value interface{}) (err error) {
+	if value == nil {
+		x.PayoutAccountStatus, x.Valid = PayoutAccountStatus(""), false
+		return
+	}
+
+	err = x.PayoutAccountStatus.Scan(value)
+	x.Valid = (err == nil)
+	return
+}
+
+// Value implements the driver Valuer interface.
+func (x NullPayoutAccountStatus) Value() (driver.Value, error) {
+	if !x.Valid {
+		return nil, nil
+	}
+	// driver.Value accepts int64 for int values.
+	return string(x.PayoutAccountStatus), nil
+}
+
+type NullPayoutAccountStatusStr struct {
+	NullPayoutAccountStatus
+}
+
+func NewNullPayoutAccountStatusStr(val interface{}) (x NullPayoutAccountStatusStr) {
+	x.Scan(val) // yes, we ignore this error, it will just be an invalid value.
+	return
+}
+
+// Value implements the driver Valuer interface.
+func (x NullPayoutAccountStatusStr) Value() (driver.Value, error) {
+	if !x.Valid {
+		return nil, nil
+	}
+	return x.PayoutAccountStatus.String(), nil
+}
--- a/backend/pkg/consts/payout_account.go
+++ b/backend/pkg/consts/payout_account.go
@@ -0,0 +1,29 @@
+package consts
+
+import "quyun/v2/app/requests"
+
+// swagger:enum PayoutAccountStatus
+// ENUM( pending, approved, rejected )
+type PayoutAccountStatus string
+
+func (t PayoutAccountStatus) Description() string {
+	switch t {
+	case PayoutAccountStatusPending:
+		return "待审核"
+	case PayoutAccountStatusApproved:
+		return "已通过"
+	case PayoutAccountStatusRejected:
+		return "已驳回"
+	default:
+		return "未知状态"
+	}
+}
+
+func PayoutAccountStatusItems() []requests.KV {
+	values := PayoutAccountStatusValues()
+	items := make([]requests.KV, 0, len(values))
+	for _, v := range values {
+		items = append(items, requests.NewKV(string(v), v.Description()))
+	}
+	return items
+}
--- a/frontend/superadmin/src/service/CreatorService.js
+++ b/frontend/superadmin/src/service/CreatorService.js
@@ -110,7 +110,7 @@ export const CreatorService = {
            body: { action, reason }
        });
    },
-    async listPayoutAccounts({ page, limit, tenant_id, tenant_code, tenant_name, user_id, username, type, created_at_from, created_at_to } = {}) {
+    async listPayoutAccounts({ page, limit, tenant_id, tenant_code, tenant_name, user_id, username, type, status, created_at_from, created_at_to } = {}) {
        const iso = (d) => {
            if (!d) return undefined;
            const date = d instanceof Date ? d : new Date(d);
@@ -127,6 +127,7 @@ export const CreatorService = {
            user_id,
            username,
            type,
+            status,
            created_at_from: iso(created_at_from),
            created_at_to: iso(created_at_to)
        };
@@ -143,6 +144,16 @@ export const CreatorService = {
        if (!accountID) throw new Error('accountID is required');
        return requestJson(`/super/v1/payout-accounts/${accountID}`, { method: 'DELETE' });
    },
+    async reviewPayoutAccount(accountID, { action, reason } = {}) {
+        if (!accountID) throw new Error('accountID is required');
+        return requestJson(`/super/v1/payout-accounts/${accountID}/review`, {
+            method: 'POST',
+            body: {
+                action,
+                reason
+            }
+        });
+    },
    async createInvite(tenantID, { max_uses, expires_at, remark } = {}) {
        if (!tenantID) throw new Error('tenantID is required');
        return requestJson(`/super/v1/tenants/${tenantID}/invites`, {
--- a/frontend/superadmin/src/views/superadmin/Creators.vue
+++ b/frontend/superadmin/src/views/superadmin/Creators.vue
@@ -74,6 +74,7 @@ const payoutTenantName = ref('');
 const payoutUserID = ref(null);
 const payoutUsername = ref('');
 const payoutType = ref('');
+const payoutStatus = ref('');
 const payoutCreatedAtFrom = ref(null);
 const payoutCreatedAtTo = ref(null);

@@ -84,6 +85,18 @@ const joinStatusOptions = [
    { label: '已驳回', value: 'rejected' }
 ];

+const payoutStatusOptions = [
+    { label: '全部', value: '' },
+    { label: '待审核', value: 'pending' },
+    { label: '已通过', value: 'approved' },
+    { label: '已驳回', value: 'rejected' }
+];
+
+const payoutReviewOptions = [
+    { label: '通过', value: 'approve' },
+    { label: '驳回', value: 'reject' }
+];
+
 const reviewDialogVisible = ref(false);
 const reviewSubmitting = ref(false);
 const reviewAction = ref('approve');
@@ -100,6 +113,12 @@ const payoutRemoveDialogVisible = ref(false);
 const payoutRemoveSubmitting = ref(false);
 const payoutRemoveTarget = ref(null);

+const payoutReviewDialogVisible = ref(false);
+const payoutReviewSubmitting = ref(false);
+const payoutReviewAction = ref('approve');
+const payoutReviewReason = ref('');
+const payoutReviewTarget = ref(null);
+
 const inviteDialogVisible = ref(false);
 const inviteSubmitting = ref(false);
 const inviteTenantID = ref(null);
@@ -140,6 +159,19 @@ function getJoinStatusSeverity(value) {
    }
 }

+function getPayoutStatusSeverity(value) {
+    switch (value) {
+        case 'pending':
+            return 'warn';
+        case 'approved':
+            return 'success';
+        case 'rejected':
+            return 'danger';
+        default:
+            return 'secondary';
+    }
+}
+
 async function ensureStatusOptionsLoaded() {
    if (statusOptions.value.length > 0) return;
    statusOptionsLoading.value = true;
@@ -240,6 +272,7 @@ async function loadPayoutAccounts() {
            user_id: payoutUserID.value || undefined,
            username: payoutUsername.value,
            type: payoutType.value || undefined,
+            status: payoutStatus.value || undefined,
            created_at_from: payoutCreatedAtFrom.value || undefined,
            created_at_to: payoutCreatedAtTo.value || undefined
        });
@@ -345,6 +378,7 @@ function onPayoutReset() {
    payoutUserID.value = null;
    payoutUsername.value = '';
    payoutType.value = '';
+    payoutStatus.value = '';
    payoutCreatedAtFrom.value = null;
    payoutCreatedAtTo.value = null;
    payoutAccountsPage.value = 1;
@@ -466,6 +500,35 @@ async function confirmRemovePayoutAccount() {
    }
 }

+function openPayoutReviewDialog(row, action) {
+    payoutReviewTarget.value = row;
+    payoutReviewAction.value = action || 'approve';
+    payoutReviewReason.value = '';
+    payoutReviewDialogVisible.value = true;
+}
+
+async function confirmPayoutReview() {
+    const targetID = payoutReviewTarget.value?.id;
+    if (!targetID) return;
+    const reason = payoutReviewReason.value.trim();
+    if (payoutReviewAction.value === 'reject' && !reason) {
+        toast.add({ severity: 'warn', summary: '请输入原因', detail: '驳回时需填写原因', life: 3000 });
+        return;
+    }
+
+    payoutReviewSubmitting.value = true;
+    try {
+        await CreatorService.reviewPayoutAccount(targetID, { action: payoutReviewAction.value, reason });
+        toast.add({ severity: 'success', summary: '审核完成', detail: `账户ID: ${targetID}`, life: 3000 });
+        payoutReviewDialogVisible.value = false;
+        await loadPayoutAccounts();
+    } catch (error) {
+        toast.add({ severity: 'error', summary: '审核失败', detail: error?.message || '无法审核结算账户', life: 4000 });
+    } finally {
+        payoutReviewSubmitting.value = false;
+    }
+}
+
 function openInviteDialog(row) {
    inviteTenantID.value = Number(row?.tenant_id ?? row?.tenant?.id ?? 0) || null;
    inviteMaxUses.value = 1;
@@ -826,6 +889,9 @@ onMounted(() => {
                        <SearchField label="类型">
                            <InputText v-model="payoutType" placeholder="bank/alipay" class="w-full" @keyup.enter="onPayoutSearch" />
                        </SearchField>
+                        <SearchField label="状态">
+                            <Select v-model="payoutStatus" :options="payoutStatusOptions" optionLabel="label" optionValue="value" placeholder="请选择" class="w-full" />
+                        </SearchField>
                        <SearchField label="创建时间 From">
                            <DatePicker v-model="payoutCreatedAtFrom" showIcon showButtonBar placeholder="开始时间" class="w-full" />
                        </SearchField>
@@ -873,6 +939,15 @@ onMounted(() => {
                        <Column field="name" header="账户名称" style="min-width: 14rem" />
                        <Column field="account" header="账号" style="min-width: 14rem" />
                        <Column field="realname" header="收款人" style="min-width: 12rem" />
+                        <Column header="状态" style="min-width: 12rem">
+                            <template #body="{ data }">
+                                <div class="flex flex-col">
+                                    <Tag :value="data?.status_description || data?.status || '-'" :severity="getPayoutStatusSeverity(data?.status)" />
+                                    <span v-if="data?.review_reason" class="text-xs text-muted-color mt-1 truncate max-w-[220px]">原因：{{ data.review_reason }}</span>
+                                    <span v-if="data?.reviewed_at" class="text-xs text-muted-color">审核时间：{{ formatDate(data.reviewed_at) }}</span>
+                                </div>
+                            </template>
+                        </Column>
                        <Column field="created_at" header="创建时间" style="min-width: 14rem">
                            <template #body="{ data }">
                                {{ formatDate(data.created_at) }}
@@ -880,7 +955,11 @@ onMounted(() => {
                        </Column>
                        <Column header="操作" style="min-width: 8rem">
                            <template #body="{ data }">
-                                <Button label="删除" icon="pi pi-trash" severity="danger" text size="small" class="p-0" @click="openPayoutRemoveDialog(data)" />
+                                <div class="flex flex-col gap-1">
+                                    <Button v-if="data?.status === 'pending'" label="通过" icon="pi pi-check" text size="small" class="p-0 justify-start" @click="openPayoutReviewDialog(data, 'approve')" />
+                                    <Button v-if="data?.status === 'pending'" label="驳回" icon="pi pi-times" severity="danger" text size="small" class="p-0 justify-start" @click="openPayoutReviewDialog(data, 'reject')" />
+                                    <Button label="删除" icon="pi pi-trash" severity="danger" text size="small" class="p-0 justify-start" @click="openPayoutRemoveDialog(data)" />
+                                </div>
                            </template>
                        </Column>
                    </DataTable>
@@ -1001,6 +1080,30 @@ onMounted(() => {
        </template>
    </Dialog>

+    <Dialog v-model:visible="payoutReviewDialogVisible" :modal="true" :style="{ width: '520px' }">
+        <template #header>
+            <div class="flex items-center gap-2">
+                <span class="font-medium">结算账户审核</span>
+                <span class="text-muted-color">账户ID: {{ payoutReviewTarget?.id ?? '-' }}</span>
+            </div>
+        </template>
+        <div class="flex flex-col gap-4">
+            <div class="text-sm text-muted-color">审核结算账户信息，请确认处理动作与备注。</div>
+            <div>
+                <label class="block font-medium mb-2">审核动作</label>
+                <Select v-model="payoutReviewAction" :options="payoutReviewOptions" optionLabel="label" optionValue="value" class="w-full" />
+            </div>
+            <div>
+                <label class="block font-medium mb-2">审核说明</label>
+                <InputText v-model="payoutReviewReason" placeholder="驳回时建议填写原因" class="w-full" />
+            </div>
+        </div>
+        <template #footer>
+            <Button label="取消" icon="pi pi-times" text @click="payoutReviewDialogVisible = false" :disabled="payoutReviewSubmitting" />
+            <Button label="确认审核" icon="pi pi-check" severity="success" @click="confirmPayoutReview" :loading="payoutReviewSubmitting" :disabled="payoutReviewSubmitting || (payoutReviewAction === 'reject' && !payoutReviewReason.trim())" />
+        </template>
+    </Dialog>
+
    <Dialog v-model:visible="inviteDialogVisible" :modal="true" :style="{ width: '520px' }">
        <template #header>
            <div class="flex items-center gap-2">