feat(credit): 实时同步代理已用额度，覆盖玩家下注/结算全流程

- PlayerCreditService 在下注占用、输赢结算、撤单释放等关键节点触发 AgentUsedCreditSyncService
- AgentProfileService::present 与 AgentDashboardOverviewBuilder 查询前主动同步 used_credit
- 确保代理链 used_credit（团队已用风险）实时反映下级玩家信用占用状态

app/Services/Agent/AgentProfileService.php

@@ -17,6 +17,7 @@ final class AgentProfileService
         private readonly CreditAllocationValidator $creditAllocationValidator,
         private readonly RebateLimitValidator $rebateLimitValidator,
         private readonly AgentCreditAllocatedSyncService $allocatedSync,
+        private readonly AgentUsedCreditSyncService $usedCreditSync,
     ) {}
 
     /**
@@ -132,6 +133,7 @@ final class AgentProfileService
     public function present(AgentProfile $profile): array
     {
         $this->allocatedSync->syncForAgentId((int) $profile->agent_node_id);
+        $this->usedCreditSync->syncForAgentId((int) $profile->agent_node_id);
         $profile->refresh();
 
         $available = max(0, (int) $profile->credit_limit - (int) $profile->allocated_credit);

app/Services/Agent/AgentUsedCreditSyncService.php

@@ -0,0 +1,114 @@
+<?php
+
+namespace App\Services\Agent;
+
+use App\Models\AgentNode;
+use App\Models\AgentProfile;
+use App\Support\PlayerFundingMode;
+use Illuminate\Support\Facades\DB;
+
+/**
+ * 同步代理「团队当前已用风险」（agent_profiles.used_credit）：
+ * 聚合该代理子树下所有信用玩家的 player_credit_accounts.used_credit + frozen_credit。
+ *
+ * 不参与 available_credit 计算（available = credit_limit - allocated_credit），
+ * 仅作风控展示指标。
+ */
+final class AgentUsedCreditSyncService
+{
+    /**
+     * 为指定代理节点重算 used_credit。
+     */
+    public function syncForAgent(AgentNode $agent): void
+    {
+        $profile = AgentProfile::query()->where('agent_node_id', $agent->id)->first();
+        if ($profile === null) {
+            return;
+        }
+
+        $expected = $this->calculateUsedCredit($agent);
+        if ((int) $profile->used_credit === $expected) {
+            return;
+        }
+
+        $profile->used_credit = $expected;
+        $profile->save();
+    }
+
+    public function syncForAgentId(int $agentNodeId): void
+    {
+        $agent = AgentNode::query()->find($agentNodeId);
+        if ($agent === null) {
+            return;
+        }
+
+        $this->syncForAgent($agent);
+    }
+
+    /**
+     * 玩家信用变化后：同步直属代理及所有祖先代理的 used_credit。
+     */
+    public function syncForPlayerAgentChain(int $playerAgentNodeId): void
+    {
+        if ($playerAgentNodeId <= 0) {
+            return;
+        }
+
+        $agent = AgentNode::query()->find($playerAgentNodeId);
+        if ($agent === null) {
+            return;
+        }
+
+        $ancestorIds = $this->ancestorAndSelfIds($agent);
+
+        foreach ($ancestorIds as $nodeId) {
+            $this->syncForAgentId($nodeId);
+        }
+    }
+
+    /**
+     * 计算代理子树下所有信用玩家的 used_credit + frozen_credit 之和。
+     */
+    public function calculateUsedCredit(AgentNode $agent): int
+    {
+        $subtreeIds = $this->subtreeNodeIds($agent);
+        if ($subtreeIds === []) {
+            return 0;
+        }
+
+        return (int) DB::table('player_credit_accounts as pca')
+            ->join('players as p', 'p.id', '=', 'pca.player_id')
+            ->whereIn('p.agent_node_id', $subtreeIds)
+            ->where('p.funding_mode', PlayerFundingMode::CREDIT)
+            ->sum(DB::raw('pca.used_credit + pca.frozen_credit'));
+    }
+
+    /**
+     * @return list<int>
+     */
+    private function subtreeNodeIds(AgentNode $agent): array
+    {
+        return AgentNode::query()
+            ->where('path', 'like', $agent->path.'%')
+            ->pluck('id')
+            ->map(static fn ($id): int => (int) $id)
+            ->all();
+    }
+
+    /**
+     * @return list<int>
+     */
+    private function ancestorAndSelfIds(AgentNode $agent): array
+    {
+        $path = (string) $agent->path;
+        if ($path === '') {
+            return [(int) $agent->id];
+        }
+
+        $parts = explode('/', trim($path, '/'));
+        $ancestorIds = array_map('intval', $parts);
+        $ancestorIds[] = (int) $agent->id;
+
+        return $ancestorIds;
+    }
+}