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/withdraw-records/withdraw-records.js

@@ -0,0 +1,72 @@
+/**
+ * 提现记录 - 独立页面
+ */
+const app = getApp()
+
+Page({
+  data: {
+    statusBarHeight: 44,
+    list: [],
+    loading: true
+  },
+
+  onLoad() {
+    this.setData({ statusBarHeight: app.globalData.statusBarHeight || 44 })
+    this.loadRecords()
+  },
+
+  onShow() {
+    this.loadRecords()
+  },
+
+  async loadRecords() {
+    const userInfo = app.globalData.userInfo
+    if (!app.globalData.isLoggedIn || !userInfo || !userInfo.id) {
+      this.setData({ list: [], loading: false })
+      return
+    }
+    this.setData({ loading: true })
+    try {
+      const res = await app.request('/api/withdraw/records?userId=' + userInfo.id)
+      if (res && res.success && res.data && Array.isArray(res.data.list)) {
+        const list = (res.data.list || []).map(item => ({
+          id: item.id,
+          amount: (item.amount != null ? item.amount : 0).toFixed(2),
+          status: this.statusText(item.status),
+          statusRaw: item.status,
+          created_at: item.created_at ? this.formatDate(item.created_at) : '--'
+        }))
+        this.setData({ list, loading: false })
+      } else {
+        this.setData({ list: [], loading: false })
+      }
+    } catch (e) {
+      console.log('[WithdrawRecords] 加载失败:', e)
+      this.setData({ list: [], loading: false })
+    }
+  },
+
+  statusText(status) {
+    const map = {
+      pending: '待审核',
+      pending_confirm: '待确认收款',
+      processing: '处理中',
+      success: '已到账',
+      failed: '已拒绝'
+    }
+    return map[status] || status || '--'
+  },
+
+  formatDate(dateStr) {
+    if (!dateStr) return '--'
+    const d = new Date(dateStr)
+    const y = d.getFullYear()
+    const m = (d.getMonth() + 1).toString().padStart(2, '0')
+    const day = d.getDate().toString().padStart(2, '0')
+    return `${y}-${m}-${day}`
+  },
+
+  goBack() {
+    wx.navigateBack()
+  }
+})