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/Player/PlayerCreditService.php

@@ -3,6 +3,7 @@
 namespace App\Services\Player;
 
 use App\Models\Player;
+use App\Services\Agent\AgentUsedCreditSyncService;
 use App\Support\AgentOverdueGuard;
 use App\Support\CreditAmountScale;
 use App\Support\PlayerFundingMode;
@@ -12,6 +13,9 @@ use Illuminate\Validation\ValidationException;
 
 final class PlayerCreditService
 {
+    public function __construct(
+        private readonly AgentUsedCreditSyncService $usedCreditSync,
+    ) {}
     /**
      * @param  array{credit_limit?: int}  $payload
      */
@@ -155,6 +159,8 @@ final class PlayerCreditService
             'created_at' => $now,
             'updated_at' => $now,
         ]);
+
+        $this->syncAgentUsedCredit($player);
     }
 
     public function applySettledLoss(Player $player, int $amountMinor, int $ticketItemId): void
@@ -208,6 +214,8 @@ final class PlayerCreditService
                 'used_credit' => (int) $row->used_credit + $majorDelta,
                 'updated_at' => $now,
             ]);
+
+        $this->syncAgentUsedCredit($player);
     }
 
     public function applySettledWin(Player $player, int $amountMinor, int $ticketItemId): void
@@ -243,6 +251,7 @@ final class PlayerCreditService
         }
 
         $this->decreaseUsedCredit($player, $amountMinor);
+        $this->syncAgentUsedCredit($player);
     }
 
     public function assertMayPlaceBet(Player $player, int $amountMinor): void
@@ -310,6 +319,7 @@ final class PlayerCreditService
         }
 
         $this->decreaseUsedCredit($player, $amountMinor);
+        $this->syncAgentUsedCredit($player);
     }
 
     public function reverseBetHold(Player $player, int $amountMinor, int $ticketOrderId): void
@@ -341,6 +351,7 @@ final class PlayerCreditService
         }
 
         $this->decreaseUsedCredit($player, $amountMinor);
+        $this->syncAgentUsedCredit($player);
     }
 
     public function reverseGameSettlement(Player $player, int $gameWinLossSigned, int $ticketItemId): void
@@ -395,6 +406,8 @@ final class PlayerCreditService
                 'used_credit' => (int) $row->used_credit + $majorDelta,
                 'updated_at' => $now,
             ]);
+
+        $this->syncAgentUsedCredit($player);
     }
 
     /**
@@ -414,6 +427,7 @@ final class PlayerCreditService
         );
         if ($delta > 0) {
             $this->decreaseUsedCredit($player, $delta);
+            $this->syncAgentUsedCredit($player);
         }
     }
 
@@ -508,6 +522,17 @@ final class PlayerCreditService
             ]);
     }
 
+    /** 玩家信用变动后同步直属代理及祖先链的 used_credit（团队已用风险）。 */
+    private function syncAgentUsedCredit(Player $player): void
+    {
+        $agentNodeId = (int) ($player->agent_node_id ?? 0);
+        if ($agentNodeId <= 0) {
+            return;
+        }
+
+        $this->usedCreditSync->syncForPlayerAgentChain($agentNodeId);
+    }
+
     /**
      * 识别数据库唯一约束冲突（PostgreSQL SQLSTATE 23505；SQLite SQLSTATE 23000/error code 19）。
      * 兜底扫描消息中 unique 字样，兼容驱动返回的 SQLSTATE 缺失场景。