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新增 admin「渠道监控」模块（参考 BingZi-233/check-cx），独立于现有 Channel 体系。
admin 配置 + 后台定时调用上游 LLM chat completions 健康检查 + 所有登录用户只读可见。

后端：
- ent: channel_monitor + channel_monitor_history（AES-256-GCM 加密 api_key）
- service 按职责拆分：service/aggregator/validate/checker/runner/ssrf
- provider strategy map 替代 switch（openai/anthropic/gemini）
- repository batch 聚合（ListLatestForMonitorIDs + ComputeAvailabilityForMonitors）消除 N+1
- runner: ticker(5s) + pond worker pool(5) + inFlight 防并发 + TrySubmit 防雪崩
  + 凌晨 3 点 cron 清理 30 天历史
- SSRF 防护：强制 https + 私网/loopback/云元数据 IP 拒绝（127/8、10/8、172.16/12、
  192.168/16、169.254/16、100.64/10、::1、fc00::/7、fe80::/10）+ DialContext
  在 socket 层防 DNS rebinding
- API key sanitize：擦除 url.Error 与上游响应 body 中的 sk-/sk-ant-/AIza/JWT 模式
- APIKeyDecryptFailed 标志位 + 单 monitor 路径检测，避免空 key 调用上游

handler:
- admin: CRUD + 手动触发 + 历史接口（api_key 脱敏）
- user: 只读列表 + 状态详情（去除 api_key/endpoint）
- ParseChannelMonitorID 共用 + dto.ChannelMonitorExtraModelStatus 共用

前端：
- 路由 /admin/channels/{pricing,monitor} + /monitor（用户只读）
- AppSidebar 父项 expandOnly 支持
- ChannelMonitorView 拆为 8 个子组件 + ChannelStatusView 拆出 detail dialog
- composables/useChannelMonitorFormat + constants/channelMonitor 共享
- i18n monitorCommon namespace 消除 admin/user 两 view 重复

合规：所有文件符合 CLAUDE.md（Go ≤ 500 行 / Vue ≤ 300 行 / 函数 ≤ 30 行）
CI: go build / gofmt / golangci-lint(0 issues) / make test-unit / pnpm build 全绿

- Add account_cost column to dashboard aggregation tables (migration 107)
- DashboardStats: add TotalAccountCost/TodayAccountCost fields
- ModelStat/GroupStat: add AccountCost field with SQL aggregation
- GetStatsWithFilters: always return TotalAccountCost (remove accountID filter)
- Dashboard Token cards: show user(green)/cost(orange)/standard(gray)
- Usage stats card: show account cost and standard below main value
- Model/Group distribution tables: add orange cost column

- Add recharge_fee_rate system setting (percentage fee on top of recharge amount)
- Full backend chain: config constant, PaymentConfig struct, update validation,
  read/write persistence, DTO, handler GET/PUT responses
- Frontend: settings input with preview, i18n (zh/en), API types
- Fix provider card toggle layout: labels above switches to save width
- Fix Chinese translation: "EasyPay" → "易支付" in provider description

- Add balance_recharge_multiplier system setting (e.g. 1.2 = charge 100 get 120)
- Separate order_amount (credited balance) from pay_amount (actual payment)
- Refund calculates gateway amount proportionally from pay_amount
- Frontend shows both amounts in order details, payment status, refund dialog
- Admin settings UI for configuring recharge multiplier

Backend:
- gateway_handler: pass subject.UserID instead of int64(0) for user-level routing
- setting_handler: add missing BalanceLowNotifyRechargeURL to UpdateSettings response
- openai_gateway_service: use applyAccountStatsCost for account stats pricing integration
- embed_on: add local file override (data/public/) for embedded frontend assets

Frontend:
- useTableSelection: add batchUpdate method for batch operations
- AccountsView: virtual scrolling params, Set-based isSelected, swipe virtualization
- ProxiesView: add batchUpdate to selection and swipe-select
- BulkEditAccountModal: fix submit handler to prevent event object as argument
- SettingsView: move payload construction outside try block
- i18n: add general translation keys (saved, deleted, view, validation, allowUserRefund)
- api/client: reorder error fields for consistency
- stores/payment: clarify pollOrderStatus JSDoc

Bug fixes:
- Detached context for GetAccountConcurrencyBatch (prevent all-zero on request cancel)
- Filter soft-deleted users in GetByGroupID
- Stripe CSP policy (allow Stripe.js in script-src and frame-src)
- WebSearch API key validation on save
- RECHARGING status in payment result success check
- Windows test fixes (logger Sync deadlock, config path escaping)

Feature enhancements:
- Webhook multi-instance dispatch (extractOutTradeNo + GetWebhookProvider)
- EasyPay mobile H5 payment (device param + PayURL2)
- SSE error propagation in WebSearch emulation
- AccountStatsCost DTO field for admin usage logs
- Plans sort by sort_order instead of created_at
- UsageMapHook for streaming response usage data
- apicompat Instructions field passthrough
- EffectiveLoadFactor for ops concurrency/metrics
- Usage billing RETURNING balance for notify system
- BulkUpdate mixed channel warning with details
- println to slog migration in auth cache
- Wire ProviderSet cleanup
- CI cache-dependency-path optimization

Frontend:
- Refund eligibility check per provider (canRequestRefund)
- Plan sort_order editing
- Dead code cleanup (simulate_claude_max, client_affinity)
- GroupsView platform switch guard
- channels features_config API type
- UsageView account_stats_cost export

allow_user_refund:
- Add allow_user_refund field to PaymentProviderInstance ent schema
- Migration 103: ALTER TABLE payment_provider_instances ADD COLUMN
- Cascade logic: disabling refund_enabled auto-disables allow_user_refund
- User refund validation: check provider instance allows user refund
- Admin refund validation: check provider instance allows admin refund
- Subscription refund: deduct days on refund, rollback on failure
- New endpoint: GET /payment/orders/refund-eligible-providers
- Frontend: ToggleSwitch in ProviderCard/Dialog, cascade in SettingsView

Wildcard matching:
- Change findPricingForModel from "longest prefix wins" to "config order
  priority (first match wins)", aligning with channel service behavior

- QuotaLimit changed to *int64 (null=unlimited, >0=limited)
- Add reset-usage endpoint (POST /admin/settings/web-search-emulation/reset-usage)
- Show quota usage in header always (collapsed and expanded)
- Add reset quota button in expanded provider view
- Quota input: empty=unlimited with ∞ placeholder, must be >0 if set
- Add email verification hint on balance notify card

fix: batch 1 audit fixes — quota SQL fixed mode, public recharge URL, WebSearch bool fallback, UpdatePlan validation

H1: incrementUsageBillingAccountQuota now uses shared dailyExpiredExpr/weeklyExpiredExpr
    constants (supporting fixed reset mode) instead of hardcoded '24 hours'/'168 hours'
H4: public settings endpoint now maps balance_low_notify_recharge_url
H6: GetWebSearchEmulationMode tolerates legacy bool values (true→enabled)
H7: UpdatePlan validates non-nil patch fields (rejects negative price, empty name, etc.)
H8: UsageTable accountBilled() helper with total_cost ?? 0 null guard
H9: AdminUsageLog TS type adds channel_id + billing_tier
M2: account.go "fixed" literals replaced with thresholdTypeFixed constant
M13: SystemSettings TS type adds web_search_emulation_enabled
UI: QuotaLimitCard title labels now use flex-1 to align with flex-1 input boxes

- Quota alert email now shows account ID and platform
- Balance low email includes a "Top Up Now" button when recharge URL is configured
- New setting: balance_low_notify_recharge_url in admin settings

- Change balance_notify_extra_emails and account_quota_notify_emails
  from []string to []NotifyEmailEntry{email, disabled, verified}
- Add per-email enable/disable toggle for both user and admin notifications
- Add PUT /user/notify-email/toggle API endpoint
- Fix critical bug: API key auth cache snapshot missing balance notify
  fields (Email, Username, BalanceNotifyEnabled, etc.), causing
  notifications to never fire on cached request paths
- Bump cache snapshot version 3→4 to invalidate stale entries
- Add SQL migration 104 to convert old format data
- Backward compatible: parseNotifyEmails auto-detects old/new format
- User balance notify: max 3 emails (primary + 2 extra)
- Admin quota notify: unlimited emails, each with toggle

- Add global toggle for account quota notification in admin settings
- Add percentage-based threshold type for per-account quota alerts
- Hide balance notify card on user profile when global toggle is off
- Expose balance_low_notify_enabled and account_quota_notify_enabled in PublicSettings
- Add threshold type (fixed/percentage) to QuotaNotifyToggle with $ / % switcher

Balance low notification only supports fixed USD amount threshold.
Percentage threshold is a quota concept, not applicable to balance.
Reverted threshold_type from admin settings, user profile, and all
backend/frontend layers. DB fields (balance_notify_threshold_type,
total_recharged) retained for potential future quota use.

- Add threshold_type field (fixed/percentage) to system and user settings
- Add total_recharged field to users table, auto-incremented on balance credit
- Percentage mode: effective threshold = total_recharged × percentage / 100
- User-level threshold_type inherits from system default when not set
- Update admin settings UI with radio selector (fixed amount / percentage)
- Migration: 102_add_balance_notify_threshold_type.sql