feat: add avatar payments and finance management

docker-compose.yml

@@ -20,11 +20,13 @@ services:
       - AVATAR_MODEL_CONFIG_TOKEN=${AVATAR_MODEL_CONFIG_TOKEN:-}
       - TZ=Asia/Shanghai
       - AVATAR_DB_PATH=/app/avatar.db
+      - AVATAR_BACKEND_URL=${AVATAR_BACKEND_URL:-}
+      - AVATAR_FINANCE_ADMIN_SECRET=${AVATAR_FINANCE_ADMIN_SECRET:-}
     volumes:
       - ./backend/app:/app/app    # ← 核心：代码目录直接挂载，改文件无需重建
       - ./backend/logs:/app/logs
       - ./backend/config:/app/config
-      - ./digital-avatar-app/backend/avatar.db:/app/avatar.db:ro   # 数字分身 SQLite（只读）
+      - ./digital-avatar-app/backend/avatar.db:/app/avatar.db      # 财务管理需要写入退款与开票状态
     depends_on:
       - ai-virtual-mysql
       - ai-virtual-redis