修复钱包异步边界与任务陈旧状态

隔离账号切换后的充值响应并中止失效支付监听

防止乱序钱包快照回滚并保留旧版总额兜底

清理任务重试耗尽后的陈旧状态并补充回归测试

稳定测试夹具、用户错误提示与首帧加载状态

同步单一钱包 Store 的长期决策记录

src/components/platform-entry/PlatformEntryActiveFlowShell.tsx

@@ -240,6 +240,9 @@ export function PlatformEntryFlowShellImpl({
   const storedMudPointBalance = usePlatformWalletStore(
     (state) => state.mudPointBalance,
   );
+  const storedLegacyWalletBalance = usePlatformWalletStore(
+    (state) => state.legacyWalletBalance,
+  );
   const storedMudPointBalanceStatus = usePlatformWalletStore(
     (state) => state.mudPointBalanceStatus,
   );
@@ -252,12 +255,14 @@ export function PlatformEntryFlowShellImpl({
   const mudPointBalance = walletOwnerMatchesCurrentUser
     ? storedMudPointBalance
     : null;
-  const mudPointBalanceStatus = walletOwnerMatchesCurrentUser
-    ? storedMudPointBalanceStatus
-    : 'idle';
   const mudPointBalanceError = walletOwnerMatchesCurrentUser
     ? storedMudPointBalanceError
     : '';
+  const isWalletBalanceLoading =
+    Boolean(currentWalletOwnerUserId) &&
+    (!walletOwnerMatchesCurrentUser ||
+      storedMudPointBalanceStatus === 'idle' ||
+      storedMudPointBalanceStatus === 'loading');
 
   const refreshDashboard = useCallback(async () => {
     if (!authUi?.user || !authUi.canAccessProtectedData) {
@@ -288,7 +293,9 @@ export function PlatformEntryFlowShellImpl({
     currentUser: authUi?.user,
   });
   const legacyWalletBalance = walletOwnerMatchesCurrentUser
-    ? (profileCenter.rechargeCenter?.walletBalance ?? null)
+    ? (storedLegacyWalletBalance ??
+      profileCenter.rechargeCenter?.walletBalance ??
+      null)
     : null;
 
   const openCreation = useCallback(() => {
@@ -489,7 +496,7 @@ export function PlatformEntryFlowShellImpl({
                       variant={isDesktopLayout ? 'desktop' : 'mobile'}
                       balance={balance}
                       breakdown={mudPointBalance}
-                      isLoading={mudPointBalanceStatus === 'loading'}
+                      isLoading={isWalletBalanceLoading}
                       error={mudPointBalanceError || null}
                       className={
                         isDesktopLayout
@@ -543,7 +550,7 @@ export function PlatformEntryFlowShellImpl({
                   <PlatformActiveProfileView
                     dashboard={dashboard}
                     isLoadingDashboard={isLoadingDashboard}
-                    isLoadingWalletBalance={mudPointBalanceStatus === 'loading'}
+                    isLoadingWalletBalance={isWalletBalanceLoading}
                     legacyWalletBalance={legacyWalletBalance}
                     mudPointBalance={mudPointBalance}
                     user={authUi?.user}