新增技术文档，详细描述了项目的技术栈、配置、鉴权与安全、数据层等内容。同时，更新小程序页面以支持收益数据的加载与刷新功能，优化用户体验。新增收益接口以返回用户的累计收益和可提现金额，并调整相关逻辑以确保数据准确性。

miniprogram/pages/my/my.js

@@ -20,8 +20,10 @@ Page({
     totalSections: 62,
     readCount: 0,
     referralCount: 0,
-    earnings: 0,
-    pendingEarnings: 0,
+    earnings: '-',
+    pendingEarnings: '-',
+    earningsLoading: true,
+    earningsRefreshing: false,
     
     // 阅读统计
     totalReadTime: 0,
@@ -123,7 +125,7 @@ Page({
       const userIdShort = userId.length > 20 ? userId.slice(0, 10) + '...' + userId.slice(-6) : userId
       const userWechat = wx.getStorageSync('user_wechat') || userInfo.wechat || ''
       
-      // 先设基础信息；收益数据由 loadReferralEarnings 从推广中心同源接口拉取并覆盖
+      // 先设基础信息；收益由 loadMyEarnings 专用接口拉取，加载前用 - 占位
       this.setData({
         isLoggedIn: true,
         userInfo,
@@ -131,12 +133,13 @@ Page({
         userWechat,
         readCount: Math.min(app.getReadCount(), this.data.totalSections || 62),
         referralCount: userInfo.referralCount || 0,
-        earnings: '0.00',
-        pendingEarnings: '0.00',
+        earnings: '-',
+        pendingEarnings: '-',
+        earningsLoading: true,
         recentChapters: recentList,
         totalReadTime: Math.floor(Math.random() * 200) + 50
       })
-      this.loadReferralEarnings()
+      this.loadMyEarnings()
       this.loadPendingConfirm()
     } else {
       this.setData({
@@ -145,8 +148,9 @@ Page({
         userIdShort: '',
         readCount: app.getReadCount(),
         referralCount: 0,
-        earnings: '0.00',
-        pendingEarnings: '0.00',
+        earnings: '-',
+        pendingEarnings: '-',
+        earningsLoading: false,
         recentChapters: []
       })
     }
@@ -250,32 +254,48 @@ Page({
     }
   },
 
-  // 从与推广中心相同的接口拉取收益数据并更新展示（累计收益 = totalCommission，可提现 = 累计-已提现-待审核）
-  async loadReferralEarnings() {
+  // 专用接口：拉取「我的收益」卡片数据（累计、可提现、推荐人数）
+  async loadMyEarnings() {
     const userInfo = app.globalData.userInfo
-    if (!app.globalData.isLoggedIn || !userInfo || !userInfo.id) return
-
+    if (!app.globalData.isLoggedIn || !userInfo || !userInfo.id) {
+      this.setData({ earningsLoading: false })
+      return
+    }
     const formatMoney = (num) => (typeof num === 'number' ? num.toFixed(2) : '0.00')
-
     try {
-      const res = await app.request('/api/miniprogram/referral/data?userId=' + userInfo.id)
-      if (!res || !res.success || !res.data) return
-
+      const res = await app.request('/api/miniprogram/earnings?userId=' + userInfo.id)
+      if (!res || !res.success || !res.data) {
+        this.setData({ earningsLoading: false, earnings: '0.00', pendingEarnings: '0.00' })
+        return
+      }
       const d = res.data
-      const totalCommissionNum = d.totalCommission || 0
-      const withdrawnNum = d.withdrawnEarnings || 0
-      const pendingWithdrawNum = d.pendingWithdrawAmount || 0
-      const availableEarningsNum = totalCommissionNum - withdrawnNum - pendingWithdrawNum
-
       this.setData({
-        earnings: formatMoney(totalCommissionNum),
-        pendingEarnings: formatMoney(availableEarningsNum),
-        referralCount: d.referralCount || d.stats?.totalBindings || this.data.referralCount
+        earnings: formatMoney(d.totalCommission),
+        pendingEarnings: formatMoney(d.availableEarnings),
+        referralCount: d.referralCount ?? this.data.referralCount,
+        earningsLoading: false,
+        earningsRefreshing: false
       })
     } catch (e) {
-      console.log('[My] 拉取推广收益失败:', e && e.message)
+      console.log('[My] 拉取我的收益失败:', e && e.message)
+      this.setData({
+        earningsLoading: false,
+        earningsRefreshing: false,
+        earnings: '0.00',
+        pendingEarnings: '0.00'
+      })
     }
   },
+
+  // 点击刷新图标：刷新我的收益
+  async refreshEarnings() {
+    if (!this.data.isLoggedIn) return
+    if (this.data.earningsRefreshing) return
+    this.setData({ earningsRefreshing: true })
+    wx.showToast({ title: '刷新中...', icon: 'loading', duration: 2000 })
+    await this.loadMyEarnings()
+    wx.showToast({ title: '已刷新', icon: 'success' })
+  },
   
   // 微信原生获取头像（button open-type="chooseAvatar" 回调）
   async onChooseAvatar(e) {