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- consumedMudPoints 改为净额：按北京时间业务日先抵当日消耗，不足再回溯抵扣最近仍有净额的业务日，抵扣不完的丢弃，每日净额非负且区间合计严格等于「消耗 − 退还」 - 退还口径并入 asset_operation_refund 正向流水（生成失败退还、精选审核返还）与 llm_router_consume 正向冲正流水；充值退款追回、余额重置、赠送和 hold 仍不计入 - 契约新增 refundedMudPoints，后端新增「退还泥点」趋势图，后台时段数据并列「退还泥点数」卡，毛消耗可由「消耗 + 退还」核出 - 新增 4 条净额单测（同日对冲 / 回溯抵扣 / 超额归零 / 无退还保原值）与 Dashboard 用例断言 - 同步 Dashboard 运营看板方案指标口径与决策记录 - 验证：cargo test -p api-server --bin api-server admin（136 passed / 0 failed / 1 ignored）、npm run admin-web:typecheck、npx vitest run apps/admin-web/src（218 passed）、cargo fmt --all --check、npm run check:encoding、npm run check:doc-index、git diff --check 全部通过