0, 'remaining_amount' => 0]; $withdraw_fee_rate = (int) ($withdraw_settings['service_charge_rate'] ?? 5); $withdraw_channels = array_values(array_intersect(['alipay', 'wechat'], (array) ($withdraw_settings['payout_channels'] ?? ['alipay', 'wechat']))); if (!$withdraw_channels) { $withdraw_channels = ['alipay', 'wechat']; } ?>