feat(v2): 账户配置注册表(config.accounts + env 取凭证 + 渠道/区域筛选)

internal/accounts/registry.go

@@ -0,0 +1,40 @@
+// Package accounts loads the payment-account registry from config. Credentials
+// never live in the config file — only an env-var prefix is stored; the real
+// secret is read from the environment at call time.
+package accounts
+
+import (
+	"os"
+	"strings"
+
+	"github.com/wangjia/pay/config"
+)
+
+type Registry struct{ accts []config.AccountConfig }
+
+func New(accts []config.AccountConfig) *Registry { return &Registry{accts: accts} }
+
+// EnabledFor returns enabled accounts for a channel (+region if non-empty).
+func (r *Registry) EnabledFor(channel, region string) []config.AccountConfig {
+	var out []config.AccountConfig
+	for _, a := range r.accts {
+		if a.Channel != channel || !a.Enabled {
+			continue
+		}
+		if region != "" && a.Region != "" && a.Region != region {
+			continue
+		}
+		out = append(out, a)
+	}
+	return out
+}
+
+// Credential reads <CredentialEnvPrefix>_<KEY> from the environment.
+func (r *Registry) Credential(accountID, key string) string {
+	for _, a := range r.accts {
+		if a.AccountID == accountID {
+			return os.Getenv(strings.ToUpper(a.CredentialEnvPrefix + "_" + key))
+		}
+	}
+	return ""
+}