fix(wallet): 统一使用 accountSequence 查询钱包，修复转账余额不足问题

背景：幽灵钱包 D26010800000 (user_id=133, 余额=0) 导致真实用户
D26010900000 (user_id=0, 余额=200465) 转账失败

原因：
- D26010800000 是 2026-01-08 16:23 通过未知方式创建的脏数据
- 真实用户 D26010900000 在 18:40 注册时，user_id=133 已被占用
- getMyWallet 用 accountSequence 查询显示余额正确
- requestWithdrawal 用 userId 查询找到错误的空钱包

修复：
- Controller: 传 user.accountSequence 而非 user.userId
- Service: 移除 findByUserId fallback，仅用 findByAccountSequence
- 从钱包记录获取 userId 用于订单、流水、事件关联

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

backend/services/wallet-service/src/api/controllers/wallet.controller.ts

@@ -117,8 +117,14 @@ export class WalletController {
       actualAddress = resolvedAddress;
     }
 
+    // [2026-01-16] 使用 accountSequence 而非 userId 查找钱包
+    // 背景：发现幽灵钱包 D26010800000 (user_id=133, 余额=0) 导致真实用户 D26010900000 (user_id=0, 余额=200465) 转账失败
+    // 原因：D26010800000 是 2026-01-08 16:23 通过未知方式创建的脏数据，占用了 user_id=133
+    //       而真实用户 D26010900000 在 2026-01-08 18:40 注册时，因 user_id=133 已被占用，其钱包 user_id 被设为 0
+    // 问题：getMyWallet 用 accountSequence 查询显示余额正确，但 requestWithdrawal 用 userId 查询找到错误的空钱包
+    // 修复：统一使用 accountSequence 作为钱包查询的唯一标识
     const command = new RequestWithdrawalCommand(
-      user.userId,
+      user.accountSequence,
       dto.amount,
       actualAddress,
       dto.chainType,

backend/services/wallet-service/src/application/services/wallet-application.service.ts

@@ -1512,7 +1512,6 @@ export class WalletApplicationService {
     netAmount: number;
     status: string;
   }> {
-    const userId = BigInt(command.userId);
     const amount = Money.USDT(command.amount);
 
     // 从配置获取动态手续费
@@ -1524,8 +1523,6 @@ export class WalletApplicationService {
       ? `固定 ${feeValue} 绿积分`
       : `${(feeValue * 100).toFixed(2)}%`;
 
-    this.logger.log(`Processing withdrawal request for user ${userId}: ${command.amount} USDT to ${command.toAddress}, fee: ${feeAmount} (${feeDescription})`);
-
     // 验证最小提现金额
     if (command.amount < this.MIN_WITHDRAWAL_AMOUNT) {
       throw new Error(`最小提现金额为 ${this.MIN_WITHDRAWAL_AMOUNT} USDT`);
@@ -1541,15 +1538,20 @@ export class WalletApplicationService {
       throw new BadRequestException(hotWalletCheck.error || '财务系统审计中，请稍后再试');
     }
 
-    // 优先按 accountSequence 查找，如果未找到则按 userId 查找
-    let wallet = await this.walletRepo.findByAccountSequence(command.userId);
+    // [2026-01-16] 仅按 accountSequence 查找钱包，不再 fallback 到 userId
+    // 背景：幽灵钱包 D26010800000 (user_id=133) 与真实用户 D26010900000 (user_id=0) 的 userId 冲突
+    //       导致按 userId 查询时找到错误的空钱包，用户转账报"余额不足"
+    // 修复：command.userId 实际传入的是 accountSequence，直接按 accountSequence 查询
+    const wallet = await this.walletRepo.findByAccountSequence(command.userId);
     if (!wallet) {
-      wallet = await this.walletRepo.findByUserId(userId);
-    }
-    if (!wallet) {
-      throw new WalletNotFoundError(`userId/accountSequence: ${command.userId}`);
+      throw new WalletNotFoundError(`accountSequence: ${command.userId}`);
     }
 
+    // 从钱包记录获取 userId（用于订单、流水、事件等关联）
+    const userId = wallet.userId.value;
+
+    this.logger.log(`Processing withdrawal request for user ${userId} (${command.userId}): ${command.amount} USDT to ${command.toAddress}, fee: ${feeAmount} (${feeDescription})`);
+
     // 验证余额是否足够
     if (wallet.balances.usdt.available.lessThan(totalRequired)) {
       throw new BadRequestException(