feat(billing): add dual formulas, disable 10yuan gift, retry auto-renew

Turn off the low-balance 10 CNY signup bonus while keeping the 5 CNY
registration credit, split metering into independent formula A/B scopes,
and retry expired auto-renew subscriptions after recharge or hourly worker.

Co-authored-by: Cursor <cursoragent@cursor.com>

billing-admin-config.test.mjs

@@ -7,13 +7,21 @@ import {
   toCostEstimateConfig,
 } from './billing-admin-config.mjs';
 
-function createMemoryPool(initialRows = []) {
+function createMemoryPool(initialRows = [], userFormulas = new Map()) {
   const rows = new Map(
     initialRows.map((row) => [row.config_scope, { ...row }]),
   );
   return {
     async query(sql, params = []) {
       if (/CREATE TABLE/i.test(sql)) return [{}, undefined];
+      if (/SELECT billing_formula FROM h5_users/i.test(sql)) {
+        const userId = params[0];
+        return [[{ billing_formula: userFormulas.get(userId) ?? 'A' }], undefined];
+      }
+      if (/SELECT/i.test(sql) && /config_scope IN/i.test(sql)) {
+        const scopes = params.slice(0, 3);
+        return [scopes.map((scope) => rows.get(scope)).filter(Boolean), undefined];
+      }
       if (/SELECT/i.test(sql)) {
         const scope = params[0];
         const row = rows.get(scope);
@@ -29,9 +37,15 @@ function createMemoryPool(initialRows = []) {
         });
         return [{ affectedRows: 1 }, undefined];
       }
+      if (/UPDATE h5_users SET billing_formula/i.test(sql)) {
+        const [formula, , ...ids] = params;
+        ids.forEach((id) => userFormulas.set(id, formula));
+        return [{ affectedRows: ids.length }, undefined];
+      }
       return [{}, undefined];
     },
     _rows: rows,
+    _userFormulas: userFormulas,
   };
 }
 
@@ -89,14 +103,38 @@ test('admin-db config wins over env for effective billing', async () => {
   const service = createBillingAdminConfigService(pool, { env, cacheTtlMs: 0 });
   await service.updateAdminConfig(
     { marginMultiplier: 2, usdCnyRate: 7.5, useBackendCost: true },
-    { updatedBy: 'admin-1' },
+    { updatedBy: 'admin-1', formula: 'A' },
   );
-  const effective = await service.getEffectiveBillingConfig();
+  const effective = await service.getEffectiveBillingConfig({ userId: 'user-a' });
   assert.equal(effective.marginMultiplier, 2);
   assert.equal(effective.usdCnyRate, 7.5);
   const admin = await service.getAdminConfig();
   assert.equal(admin.source, 'admin-db');
   assert.equal(admin.updatedBy, 'admin-1');
+  assert.equal(admin.formulas?.A.marginMultiplier, 2);
+});
+
+test('formula A and B can diverge', async () => {
+  const pool = createMemoryPool([], new Map([['user-b', 'B']]));
+  const service = createBillingAdminConfigService(pool, { env: {}, cacheTtlMs: 0 });
+  await service.updateAdminConfig({ marginMultiplier: 1.1 }, { formula: 'A' });
+  await service.updateAdminConfig({ marginMultiplier: 2.2 }, { formula: 'B' });
+  const admin = await service.getAdminConfig();
+  assert.equal(admin.formulas.A.marginMultiplier, 1.1);
+  assert.equal(admin.formulas.B.marginMultiplier, 2.2);
+  const userA = await service.getEffectiveBillingConfig({ userId: 'user-a' });
+  const userB = await service.getEffectiveBillingConfig({ userId: 'user-b' });
+  assert.equal(userA.marginMultiplier, 1.1);
+  assert.equal(userB.marginMultiplier, 2.2);
+});
+
+test('assignBillingFormula updates users', async () => {
+  const pool = createMemoryPool();
+  const service = createBillingAdminConfigService(pool, { env: {}, cacheTtlMs: 0 });
+  const result = await service.assignBillingFormula(['u1', 'u2'], 'B');
+  assert.equal(result.ok, true);
+  assert.equal(result.updated, 2);
+  assert.equal(pool._userFormulas.get('u1'), 'B');
 });
 
 test('H5_BILLING_CONFIG_SOURCE=env locks admin writes', async () => {
@@ -125,7 +163,8 @@ test('env fallback used when no admin row', async () => {
     cacheTtlMs: 0,
   });
   const admin = await service.getAdminConfig();
-  assert.equal(admin.source, 'env');
   assert.equal(admin.config.marginMultiplier, 1.2);
   assert.equal(admin.config.useBackendCost, true);
+  assert.equal(admin.formulas.A.marginMultiplier, 1.2);
+  assert.equal(admin.formulas.B.marginMultiplier, 1.2);
 });