refactor(钱包 store): 抽出余额就绪态统一构造，消除重复 set

- applyWalletBalanceSnapshot 与刷新循环各自重复「resolve 视图 + 写 4 个 ready 字段」
- 抽出 readyWalletBalanceState 统一派生 totalPoints / status / error，两条路径不再有漂移风险
- 行为不变（注：本文件既有的 rejects a snapshot from another owner 用例在改动前后均失败，与本次无关）

packages/shared/src/stores/createProfileWalletStore.ts

@@ -49,6 +49,20 @@ const EMPTY_WALLET_STATE = {
   mudPointBalanceError: '',
 } as const;
 
+/**
+ * 余额读取成功后的统一就绪态：快照应用与刷新循环共用同一段派生逻辑，
+ * 避免 `totalPoints` 与 ready 字段在两条路径上各自漂移。
+ */
+function readyWalletBalanceState(balance: ProfileMudPointBalance) {
+  const mudPointBalance = resolveProfileMudPointBalanceView(balance);
+  return {
+    mudPointBalance,
+    legacyWalletBalance: mudPointBalance.totalPoints,
+    mudPointBalanceStatus: 'ready' as const,
+    mudPointBalanceError: '',
+  };
+}
+
 export function createProfileWalletStore(
   api: ProfileWalletApi,
 ): UseBoundStore<StoreApi<ProfileWalletStore>> {
@@ -119,13 +133,7 @@ export function createProfileWalletStore(
         snapshot.operationSequence,
       );
       settledRefreshVersion = snapshot.invalidationVersion;
-      const mudPointBalance = resolveProfileMudPointBalanceView(balance);
-      set({
-        mudPointBalance,
-        legacyWalletBalance: mudPointBalance.totalPoints,
-        mudPointBalanceStatus: 'ready',
-        mudPointBalanceError: '',
-      });
+      set(readyWalletBalanceState(balance));
       return true;
     },
     onWalletBalanceMayHaveChanged: () => {
@@ -160,15 +168,7 @@ export function createProfileWalletStore(
             }
 
             settledRefreshVersion = requestedVersion;
-            const mudPointBalance = resolveProfileMudPointBalanceView(
-              center.mudPointBalance,
-            );
-            set({
-              mudPointBalance,
-              legacyWalletBalance: mudPointBalance.totalPoints,
-              mudPointBalanceStatus: 'ready',
-              mudPointBalanceError: '',
-            });
+            set(readyWalletBalanceState(center.mudPointBalance));
           } catch {
             if (generation !== requestGeneration) {
               return;