优化提现流程，新增用户确认模式以支持待用户确认的转账，更新相关API和数据库结构以确保数据一致性。同时，调整小程序界面以展示待确认收款信息，提升用户体验。

app/api/withdraw/records/route.ts

@@ -0,0 +1,45 @@
+/**
+ * 提现记录列表 - 当前用户的全部提现记录（供小程序「提现记录」展示）
+ * GET ?userId=xxx
+ */
+
+import { NextRequest, NextResponse } from 'next/server'
+import { prisma } from '@/lib/prisma'
+
+export async function GET(request: NextRequest) {
+  try {
+    const userId = request.nextUrl.searchParams.get('userId')
+    if (!userId) {
+      return NextResponse.json({ success: false, message: '缺少 userId' }, { status: 400 })
+    }
+
+    const rows = await prisma.$queryRaw<
+      { id: string; amount: unknown; status: string; created_at: Date; processed_at: Date | null }[]
+    >`
+      SELECT id, amount, status, created_at, processed_at
+      FROM withdrawals
+      WHERE user_id = ${userId}
+      ORDER BY created_at DESC
+      LIMIT 100
+    `
+
+    const list = rows.map((r) => ({
+      id: r.id,
+      amount: Number(r.amount),
+      status: r.status,
+      created_at: r.created_at,
+      processed_at: r.processed_at,
+    }))
+
+    return NextResponse.json({
+      success: true,
+      data: { list },
+    })
+  } catch (e) {
+    console.error('[Withdraw records]', e)
+    return NextResponse.json(
+      { success: false, message: '获取提现记录失败' },
+      { status: 500 }
+    )
+  }
+}