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。

miniprogram/pages/referral/referral.js

@@ -60,8 +60,9 @@ Page({
     posterReferralLink: '',
     posterNickname: '',
     posterNicknameInitial: '',
-    posterCaseCount: 62
-  },
+    posterCaseCount: 62,
+
+    },
 
   onLoad() {
     this.setData({ statusBarHeight: app.globalData.statusBarHeight })
@@ -224,6 +225,7 @@ Page({
           }
         })
       })
+
       
       console.log('[Referral] ✅ 数据设置完成')
       console.log('[Referral] - 绑定中:', this.data.bindingCount)
@@ -648,13 +650,26 @@ Page({
       content: `将提现 ¥${availableEarnings.toFixed(2)} 到您的微信零钱`,
       confirmText: '立即提现',
       success: async (res) => {
-        if (res.confirm) {
+        if (!res.confirm) return
+        const tmplId = app.globalData.withdrawSubscribeTmplId
+        if (tmplId && tmplId.length > 10) {
+          wx.requestSubscribeMessage({
+            tmplIds: [tmplId],
+            success: () => { this.doWithdraw(availableEarnings) },
+            fail: () => { this.doWithdraw(availableEarnings) }
+          })
+        } else {
           await this.doWithdraw(availableEarnings)
         }
       }
     })
   },
-  
+
+  // 跳转提现记录页
+  goToWithdrawRecords() {
+    wx.navigateTo({ url: '/pages/withdraw-records/withdraw-records' })
+  },
+
   // 执行提现
   async doWithdraw(amount) {
     wx.showLoading({ title: '提现中...' })