fix(billing): make quota seed and column names match the product SSOT

The product plan is the only source for quota numbers, but the 0001 seed
used a second set (agent_chat 20/50, tryon hard 10) and omitted hairstyle,
hd_export and report regen. Migration 0003 replaces the seed and renames
points_reserved → quota_reserved and bonus_value → bonus_granted so the
docs and the schema stop contradicting each other.

Effective limit now clips at hard_cap. CI runs the integration slice
against the Postgres/Redis services it already starts.

packages/billing/repo.py

@@ -38,7 +38,7 @@ async def lock_or_create_quota(
             period_key=period_key,
             used=0,
             limit_value=limit_value,
-            bonus_value=0,
+            bonus_granted=0,
         )
         .on_conflict_do_nothing(index_elements=["user_id", "quota_key", "period_key"])
     )

packages/billing/service.py

@@ -44,7 +44,7 @@ class QuotaSnapshot:
     period_key: str
     used: int
     limit_value: int
-    bonus_value: int
+    bonus_granted: int
     remaining: int
     reset_at: datetime | None
 
@@ -69,14 +69,17 @@ class BillingService:
             limit_value=rule.base_limit,
         )
         state = quota_rules.QuotaState(
-            used=row.used, base_limit=row.limit_value, bonus=row.bonus_value
+            used=row.used,
+            base_limit=row.limit_value,
+            bonus=row.bonus_granted,
+            hard_cap=rule.hard_cap,
         )
         return QuotaSnapshot(
             quota_key=quota_key,
             period_key=period_key,
             used=row.used,
             limit_value=row.limit_value,
-            bonus_value=row.bonus_value,
+            bonus_granted=row.bonus_granted,
             remaining=state.remaining,
             reset_at=quota_rules.period_reset_at(now, period_type, self._tz_offset),
         )
@@ -126,7 +129,10 @@ class BillingService:
             limit_value=rule.base_limit,
         )
         state = quota_rules.QuotaState(
-            used=row.used, base_limit=row.limit_value, bonus=row.bonus_value
+            used=row.used,
+            base_limit=row.limit_value,
+            bonus=row.bonus_granted,
+            hard_cap=rule.hard_cap,
         )
 
         try:
@@ -222,7 +228,10 @@ class BillingService:
             limit_value=rule.base_limit,
         )
         state = quota_rules.QuotaState(
-            used=row.used, base_limit=row.limit_value, bonus=row.bonus_value
+            used=row.used,
+            base_limit=row.limit_value,
+            bonus=row.bonus_granted,
+            hard_cap=rule.hard_cap,
         )
         new_state = quota_rules.refund(state, reservation.amount)
         row.used = new_state.used

packages/domain/billing/quota.py

@@ -74,10 +74,14 @@ class QuotaState:
     used: int
     base_limit: int
     bonus: int = 0
+    hard_cap: int | None = None
 
     @property
     def effective_limit(self) -> int:
-        return self.base_limit + self.bonus
+        raw = self.base_limit + self.bonus
+        if self.hard_cap is None:
+            return raw
+        return min(raw, self.hard_cap)
 
     @property
     def remaining(self) -> int:

packages/shared/models.py

@@ -127,8 +127,9 @@ class Quota(Base):
     quota_key: Mapped[str] = mapped_column(String(64), nullable=False)
     period_key: Mapped[str] = mapped_column(String(32), nullable=False)
     used: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
+    # 本周期创建时从规则拷下的 base_limit。规则中途被改，本周期仍按快照判定。
     limit_value: Mapped[int] = mapped_column(Integer, nullable=False)
-    bonus_value: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
+    bonus_granted: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
     updated_at: Mapped[datetime] = mapped_column(
         DateTime(timezone=True), nullable=False, server_default=func.now()
     )
@@ -190,7 +191,7 @@ class Task(Base):
     error_code: Mapped[int | None] = mapped_column(Integer)
     error_message: Mapped[str | None] = mapped_column(String(512))
     retry_count: Mapped[int] = mapped_column(SmallInteger, nullable=False, default=0)
-    points_reserved: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
+    quota_reserved: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
     reserve_tx_id: Mapped[int | None] = mapped_column(BigInteger)
     submitted_at: Mapped[datetime] = mapped_column(
         DateTime(timezone=True), nullable=False, server_default=func.now()

packages/task/service.py

@@ -42,11 +42,11 @@ class TaskService:
         task_type: TaskType,
         idempotency_key: str,
         payload: dict[str, Any] | None = None,
-        points_reserved: int = 0,
+        quota_reserved: int = 0,
         reserve_tx_id: int | None = None,
         eta_seconds: int | None = None,
     ) -> Task:
-        """Create a task. FR-TASK-05: 相同幂等键返回同一任务，不重复扣点。"""
+        """Create a task. FR-TASK-05: 相同幂等键返回同一任务，不重复扣减配额。"""
         existing = await repo.find_by_idempotency_key(self._session, idempotency_key)
         if existing is not None:
             return existing
@@ -61,7 +61,7 @@ class TaskService:
                 progress=progress_for(TaskStatus.PENDING),
                 idempotency_key=idempotency_key,
                 payload=payload or {},
-                points_reserved=points_reserved,
+                quota_reserved=quota_reserved,
                 reserve_tx_id=reserve_tx_id,
                 eta_seconds=eta_seconds,
             ),