0.使用模拟数据进行充值和提现

1.优化提现接口/api/finance/withdrawCreate
2.优化充值接口/api/finance/depositCreate

app/common/library/finance/DDPayGateway.php

@@ -48,6 +48,30 @@ final class DDPayGateway
         return $scheme . '://' . $host;
     }
 
+    /**
+     * 是否已配置 DDPay 入金所需项（未配置时不应调用三方接口）
+     */
+    public static function isConfigured(): bool
+    {
+        $envMap = [
+            'ddpay_client_id'        => 'DDPAY_CLIENT_ID',
+            'ddpay_identifier'       => 'DDPAY_IDENTIFIER',
+            'ddpay_api_secret'       => 'DDPAY_API_SECRET',
+            'ddpay_deposit_init_url' => 'DDPAY_DEPOSIT_INIT_URL',
+        ];
+        foreach ($envMap as $cfgKey => $envKey) {
+            $v = getenv($envKey);
+            if (!is_string($v) || trim($v) === '') {
+                $cfg = config('app.' . $cfgKey, '');
+                if (!is_string($cfg) || trim($cfg) === '') {
+                    return false;
+                }
+            }
+        }
+
+        return true;
+    }
+
     /**
      * @return array<string, mixed>
      */