feat(admin): 新增账户余额/配额查询与展示

- 新增 accountBalanceService 与多 Provider 适配（Claude/Claude Console/OpenAI Responses/通用）
  - Redis 增加余额查询结果与本地统计缓存读写
  - 管理端新增 /admin/accounts/balance 相关接口与汇总接口，并在应用启动时注册 Provider
  - 后台前端新增余额组件与 Dashboard 余额/配额汇总、低余额/高使用提示
  - 补充 accountBalanceService 单元测试

web/admin-spa/src/views/DashboardView.vue

@@ -196,6 +196,105 @@
       </div>
     </div>
 
+    <!-- 账户余额/配额汇总 -->
+    <div class="mb-4 grid grid-cols-1 gap-3 sm:mb-6 sm:grid-cols-2 sm:gap-4 md:mb-8 md:gap-6">
+      <div class="stat-card">
+        <div class="flex items-center justify-between">
+          <div>
+            <p class="mb-1 text-xs font-semibold text-gray-600 dark:text-gray-400 sm:text-sm">
+              账户余额/配额
+            </p>
+            <p class="text-2xl font-bold text-gray-900 dark:text-gray-100 sm:text-3xl">
+              {{ formatCurrencyUsd(balanceSummary.totalBalance || 0) }}
+            </p>
+            <p class="mt-1 text-xs text-gray-500 dark:text-gray-400">
+              低余额: {{ balanceSummary.lowBalanceCount || 0 }} | 总成本:
+              {{ formatCurrencyUsd(balanceSummary.totalCost || 0) }}
+            </p>
+          </div>
+          <div class="stat-icon flex-shrink-0 bg-gradient-to-br from-emerald-500 to-green-600">
+            <i class="fas fa-wallet" />
+          </div>
+        </div>
+
+        <div class="mt-3 flex items-center justify-between gap-3">
+          <p class="text-xs text-gray-500 dark:text-gray-400">
+            更新时间: {{ formatLastUpdate(balanceSummaryUpdatedAt) }}
+          </p>
+          <button
+            class="flex items-center gap-2 rounded-lg border border-gray-200 bg-white px-3 py-1.5 text-xs font-medium text-gray-700 shadow-sm transition-all duration-200 hover:border-gray-300 hover:shadow-md disabled:cursor-not-allowed disabled:opacity-50 dark:border-gray-600 dark:bg-gray-800 dark:text-gray-300 dark:hover:border-gray-500"
+            :disabled="loadingBalanceSummary"
+            @click="loadBalanceSummary"
+          >
+            <i :class="['fas', loadingBalanceSummary ? 'fa-spinner fa-spin' : 'fa-sync-alt']" />
+            刷新
+          </button>
+        </div>
+      </div>
+
+      <div class="card p-4 sm:p-6">
+        <div class="mb-3 flex items-center justify-between">
+          <h3 class="text-sm font-semibold text-gray-900 dark:text-gray-100">低余额账户</h3>
+          <span class="text-xs text-gray-500 dark:text-gray-400">
+            {{ lowBalanceAccounts.length }} 个
+          </span>
+        </div>
+
+        <div
+          v-if="loadingBalanceSummary"
+          class="py-6 text-center text-sm text-gray-500 dark:text-gray-400"
+        >
+          正在加载...
+        </div>
+        <div
+          v-else-if="lowBalanceAccounts.length === 0"
+          class="py-6 text-center text-sm text-green-600 dark:text-green-400"
+        >
+          全部正常
+        </div>
+        <div v-else class="max-h-64 space-y-2 overflow-y-auto">
+          <div
+            v-for="account in lowBalanceAccounts"
+            :key="account.accountId"
+            class="rounded-lg border border-red-200 bg-red-50 p-3 dark:border-red-900/60 dark:bg-red-900/20"
+          >
+            <div class="flex items-center justify-between gap-2">
+              <div class="truncate text-sm font-medium text-gray-900 dark:text-gray-100">
+                {{ account.name || account.accountId }}
+              </div>
+              <span
+                class="rounded bg-gray-100 px-2 py-0.5 text-xs text-gray-600 dark:bg-gray-700 dark:text-gray-300"
+              >
+                {{ getBalancePlatformLabel(account.platform) }}
+              </span>
+            </div>
+            <div class="mt-1 text-xs text-gray-600 dark:text-gray-400">
+              <span v-if="account.balance">余额: {{ account.balance.formattedAmount }}</span>
+              <span v-else
+                >今日成本: {{ formatCurrencyUsd(account.statistics?.dailyCost || 0) }}</span
+              >
+            </div>
+            <div v-if="account.quota && typeof account.quota.percentage === 'number'" class="mt-2">
+              <div
+                class="mb-1 flex items-center justify-between text-xs text-gray-600 dark:text-gray-400"
+              >
+                <span>配额使用</span>
+                <span class="text-red-600 dark:text-red-400">
+                  {{ account.quota.percentage.toFixed(1) }}%
+                </span>
+              </div>
+              <div class="h-2 w-full rounded-full bg-gray-200 dark:bg-gray-700">
+                <div
+                  class="h-2 rounded-full bg-red-500"
+                  :style="{ width: `${Math.min(100, account.quota.percentage)}%` }"
+                ></div>
+              </div>
+            </div>
+          </div>
+        </div>
+      </div>
+    </div>
+
     <!-- Token统计和性能指标 -->
     <div
       class="mb-4 grid grid-cols-1 gap-3 sm:mb-6 sm:grid-cols-2 sm:gap-4 md:mb-8 md:gap-6 lg:grid-cols-4"
@@ -681,6 +780,8 @@ import { ref, onMounted, onUnmounted, watch, nextTick, computed } from 'vue'
 import { storeToRefs } from 'pinia'
 import { useDashboardStore } from '@/stores/dashboard'
 import { useThemeStore } from '@/stores/theme'
+import { apiClient } from '@/config/api'
+import { showToast } from '@/utils/toast'
 import Chart from 'chart.js/auto'
 
 const dashboardStore = useDashboardStore()
@@ -732,6 +833,97 @@ const accountGroupOptions = [
 
 const accountTrendUpdating = ref(false)
 
+// 余额/配额汇总
+const balanceSummary = ref({
+  totalBalance: 0,
+  totalCost: 0,
+  lowBalanceCount: 0,
+  platforms: {}
+})
+const loadingBalanceSummary = ref(false)
+const balanceSummaryUpdatedAt = ref(null)
+
+const getBalancePlatformLabel = (platform) => {
+  const map = {
+    claude: 'Claude',
+    'claude-console': 'Claude Console',
+    gemini: 'Gemini',
+    'gemini-api': 'Gemini API',
+    openai: 'OpenAI',
+    'openai-responses': 'OpenAI Responses',
+    azure_openai: 'Azure OpenAI',
+    bedrock: 'Bedrock',
+    droid: 'Droid',
+    ccr: 'CCR'
+  }
+  return map[platform] || platform
+}
+
+const lowBalanceAccounts = computed(() => {
+  const result = []
+  const platforms = balanceSummary.value?.platforms || {}
+
+  Object.entries(platforms).forEach(([platform, data]) => {
+    const list = Array.isArray(data?.accounts) ? data.accounts : []
+    list.forEach((entry) => {
+      const accountData = entry?.data
+      if (!accountData) return
+
+      const amount = accountData.balance?.amount
+      const percentage = accountData.quota?.percentage
+
+      const isLowBalance = typeof amount === 'number' && amount < 10
+      const isHighUsage = typeof percentage === 'number' && percentage > 90
+
+      if (isLowBalance || isHighUsage) {
+        result.push({
+          ...accountData,
+          name: entry?.name || accountData.accountId,
+          platform: accountData.platform || platform
+        })
+      }
+    })
+  })
+
+  return result
+})
+
+const formatCurrencyUsd = (amount) => {
+  const value = Number(amount)
+  if (!Number.isFinite(value)) return '$0.00'
+  if (value >= 1) return `$${value.toFixed(2)}`
+  if (value >= 0.01) return `$${value.toFixed(3)}`
+  return `$${value.toFixed(6)}`
+}
+
+const formatLastUpdate = (isoString) => {
+  if (!isoString) return '未知'
+  const date = new Date(isoString)
+  if (Number.isNaN(date.getTime())) return '未知'
+  return date.toLocaleTimeString('zh-CN', { hour: '2-digit', minute: '2-digit' })
+}
+
+const loadBalanceSummary = async () => {
+  loadingBalanceSummary.value = true
+  try {
+    const response = await apiClient.get('/admin/accounts/balance/summary')
+    if (response?.success) {
+      balanceSummary.value = response.data || {
+        totalBalance: 0,
+        totalCost: 0,
+        lowBalanceCount: 0,
+        platforms: {}
+      }
+      balanceSummaryUpdatedAt.value = new Date().toISOString()
+    }
+  } catch (error) {
+    console.debug('加载余额汇总失败:', error)
+    showToast('加载余额汇总失败', 'error')
+  } finally {
+    loadingBalanceSummary.value = false
+  }
+}
+
 // 自动刷新相关
 const autoRefreshEnabled = ref(false)
 const autoRefreshInterval = ref(30) // 秒
@@ -1488,7 +1680,7 @@ async function refreshAllData() {
 
   isRefreshing.value = true
   try {
-    await Promise.all([loadDashboardData(), refreshChartsData()])
+    await Promise.all([loadDashboardData(), refreshChartsData(), loadBalanceSummary()])
   } finally {
     isRefreshing.value = false
   }