feat: adjust affiliate commissions and withdrawal strategy

src/Credits/BalanceServiceRest.php

@@ -338,6 +338,7 @@ trait BalanceServiceRest {
 			if (is_wp_error($refund)) return new \WP_Error('aksrt_exchange_recovery_failed', __('积分入账失败，余额退回失败，请联系管理员', 'aksrt'), ['status' => 500]);
 			return $add;
 		}
+		do_action('aksrt_points_exchange_completed', $user_id, (float) $amount, $points, (string) $exchange_ref);
 		return rest_ensure_response(['success' => true, 'data' => [
 			'message' => sprintf(__('兑换成功，获得 %d 积分', 'aksrt'), $points),
 			'wallet_balance' => Balance::balance($user_id),
@@ -387,6 +388,7 @@ trait BalanceServiceRest {
 		}
 		$amount  = (int) $raw_amount;
 		$method  = sanitize_key((string) ($params['method'] ?? 'alipay'));
+		$method  = $method !== '' ? $method : 'alipay';
 		$account = sanitize_textarea_field((string) ($params['account_info'] ?? $params['account'] ?? ''));
 		$withdraw_settings = class_exists('\\AKSRT\\Settings\\Settings')
 			? \AKSRT\Settings\Settings::get_withdrawal_settings()
@@ -398,7 +400,10 @@ trait BalanceServiceRest {
 		if ($account === '') {
 			return new \WP_Error('aksrt_withdraw_account', __('请填写收款账号信息', 'aksrt'), ['status' => 400]);
 		}
-		$result = \AKSRT\Payment\Withdrawal::get_instance()->create_balance_request($user_id, $amount, $method !== '' ? $method : 'alipay', $account, $withdraw_settings);
+		if (!in_array($method, (array) ($withdraw_settings['payout_channels'] ?? []), true)) {
+			return new \WP_Error('aksrt_withdraw_channel', __('当前收款渠道不可用', 'aksrt'), ['status' => 400]);
+		}
+		$result = \AKSRT\Payment\Withdrawal::get_instance()->create_balance_request($user_id, $amount, $method, $account, $withdraw_settings);
 		if (is_wp_error($result)) {
 			return $result;
 		}