fix(wallet-service): 添加 /api/v1 前缀到 identity-client 的 baseURL

identity-service 有全局前缀 api/v1，所以调用路径应该是：
- /api/v1/user/sms/send-withdraw-code
- /api/v1/user/sms/verify-withdraw-code
- /api/v1/user/verify-password

🤖 Generated with [Claude Code](https://claude.com/claude-code)

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

backend/services/wallet-service/src/infrastructure/external/identity/identity-client.service.ts

@@ -15,11 +15,11 @@ export class IdentityClientService {
     const baseUrl = this.configService.get<string>('IDENTITY_SERVICE_URL', 'http://localhost:3000');
 
     this.httpClient = axios.create({
-      baseURL: baseUrl,
+      baseURL: `${baseUrl}/api/v1`,
       timeout: 10000,
     });
 
-    this.logger.log(`Identity client initialized: ${baseUrl}`);
+    this.logger.log(`Identity client initialized: ${baseUrl}/api/v1`);
   }
 
   /**