feat(v2): crypto 孤儿到账发现——OrphanScanner 扫链核对 + orphan_payments 落表告警(对账兜底)

internal/model/orphan.go

@@ -0,0 +1,16 @@
+package model
+
+import "time"
+
+// OrphanPayment 到账但不匹配任何 attempt 的转账(对账发现,供人工核对/退款)。
+// tx_id 唯一 → 重复扫描幂等 no-op。canonical pangolin-pay orphan_payments 的 v2 对应物。
+type OrphanPayment struct {
+	Base
+	Channel     string `gorm:"index;size:32;not null"`
+	AccountID   string `gorm:"index;size:64"`
+	TxID        string `gorm:"uniqueIndex;size:128;not null"`
+	AmountMinor int64  `gorm:"not null"`
+	Currency    string `gorm:"size:16;not null"`
+	DetectedAt  time.Time
+	Note        string `gorm:"size:255"`
+}

internal/model/testdb.go

@@ -32,7 +32,7 @@ func OpenTestDB(t *testing.T) *gorm.DB {
 		t.Fatalf("open test db: %v", err)
 	}
 	if err := db.AutoMigrate(&OrderV2{}, &Attempt{}, &Account{}, &Refund{}, &WebhookDelivery{},
-		&Product{}, &ProductPrice{}); err != nil {
+		&Product{}, &ProductPrice{}, &OrphanPayment{}); err != nil {
 		t.Fatalf("migrate: %v", err)
 	}
 	if err := UpgradeWebhookDeliveryIndex(db); err != nil {