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-subscription.test.mjs

@@ -353,8 +353,11 @@ describe('createSubscriptionService', () => {
 
   describe('processAutoRenewals', () => {
     it('uses DB-backed plan definitions for renewed subscriptions', async () => {
+      const userId = 'user-lite-1';
       const expiredSub = makeSubRow({
+        user_id: userId,
         plan_type: 'lite',
+        status: 'expired',
         auto_renew: 1,
         expires_at: Date.now() - 1000,
         balance_cents: 9999,
@@ -364,6 +367,9 @@ describe('createSubscriptionService', () => {
         async query(sql, params) {
           this.queries.push({ sql, params });
           if (sql.includes('SELECT balance_cents')) return [[{ balance_cents: 9999 }]];
+          if (sql.includes('SELECT * FROM h5_subscriptions WHERE id = ?')) {
+            return [[{ ...expiredSub, id: 'new-sub-id', status: 'active' }]];
+          }
           return [{ affectedRows: 1 }];
         },
         async beginTransaction() {},
@@ -372,8 +378,12 @@ describe('createSubscriptionService', () => {
         release() {},
       };
       const pool = {
-        async query(sql) {
-          if (sql.includes('FROM h5_subscriptions s')) return [[expiredSub]];
+        async query(sql, params = []) {
+          if (sql.includes('SELECT DISTINCT s.user_id')) return [[{ user_id: userId }]];
+          if (sql.includes('SELECT id FROM h5_subscriptions') && sql.includes('status = \'active\'')) return [[]];
+          if (sql.includes('FROM h5_subscriptions s') && sql.includes('ORDER BY s.expires_at DESC')) {
+            return [[expiredSub]];
+          }
           return [[]];
         },
         async getConnection() { return conn; },
@@ -407,5 +417,54 @@ describe('createSubscriptionService', () => {
       assert.equal(insert.params[5], 0);
       assert.equal(insert.params[9], 0.45);
     });
+
+    it('retries expired subscriptions when balance becomes sufficient', async () => {
+      const userId = 'user-retry-1';
+      let balance = 500;
+      const expiredSub = makeSubRow({
+        user_id: userId,
+        plan_type: 'lite',
+        status: 'expired',
+        auto_renew: 1,
+        expires_at: Date.now() - 1000,
+      });
+      const conn = {
+        async query(sql) {
+          if (sql.includes('SELECT balance_cents')) return [[{ balance_cents: balance }]];
+          if (sql.includes('SELECT * FROM h5_subscriptions WHERE id = ?')) {
+            return [[{ ...expiredSub, id: 'renewed-sub', status: 'active' }]];
+          }
+          return [{ affectedRows: 1 }];
+        },
+        async beginTransaction() {},
+        async commit() {},
+        async rollback() {},
+        release() {},
+      };
+      const pool = {
+        async query(sql) {
+          if (sql.includes('SELECT id FROM h5_subscriptions') && sql.includes('status = \'active\'')) return [[]];
+          if (sql.includes('FROM h5_subscriptions s') && sql.includes('ORDER BY s.expires_at DESC')) {
+            return [[expiredSub]];
+          }
+          return [[]];
+        },
+        async getConnection() { return conn; },
+      };
+      const svc = createSubscriptionService(pool, {
+        getPlanAsync: async (planType) => planType === 'lite'
+          ? { priceCents: 990, periodTokens: 1000, periodImages: 0, overageRate: 1, periodDays: 30 }
+          : null,
+      });
+
+      const failed = await svc.processAutoRenewalsForUser(userId);
+      assert.equal(failed.ok, false);
+      assert.equal(failed.reason, 'insufficient_balance');
+
+      balance = 5000;
+      const renewed = await svc.processAutoRenewalsForUser(userId);
+      assert.equal(renewed.ok, true);
+      assert.equal(renewed.balanceCents, 4010);
+    });
   });
 });