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/pending-confirm/route.ts

@@ -0,0 +1,53 @@
+/**
+ * 待确认收款列表 - 供小程序调起 wx.requestMerchantTransfer 使用
+ * GET ?userId=xxx 返回当前用户 status=pending_confirm 且含 package_info 的提现记录，及 mch_id、app_id
+ */
+
+import { NextRequest, NextResponse } from 'next/server'
+import { prisma } from '@/lib/prisma'
+import { getTransferMchAndAppId } from '@/lib/wechat-transfer'
+
+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 })
+    }
+
+    // 原始查询（数据库 ENUM 已包含 pending_confirm）
+    const list = await prisma.$queryRaw<
+      { id: string; amount: unknown; package_info: string | null; created_at: Date }[]
+    >`
+      SELECT id, amount, package_info, created_at
+      FROM withdrawals
+      WHERE user_id = ${userId}
+        AND status = 'pending_confirm'
+        AND package_info IS NOT NULL
+      ORDER BY created_at DESC
+    `
+
+    const { mchId, appId } = getTransferMchAndAppId()
+
+    const items = list.map((w) => ({
+      id: w.id,
+      amount: Number(w.amount),
+      package: w.package_info ?? '',
+      created_at: w.created_at,
+    }))
+
+    return NextResponse.json({
+      success: true,
+      data: {
+        list: items,
+        mch_id: mchId,
+        app_id: appId,
+      },
+    })
+  } catch (e) {
+    console.error('[Withdraw pending-confirm]', e)
+    return NextResponse.json(
+      { success: false, message: '获取待确认列表失败' },
+      { status: 500 }
+    )
+  }
+}