feat(chv): 对齐 Muse P10 支付安全——凭证隔离 + 结账检测 + 每次购买人工审批 + 一次性卡号

- 支付凭证隔离：PaymentCredentialVault（只活内存、白名单
  stripe-link/shop-pay、只存不透明 id + 掩码标签、原始卡号
  PAN 拒绝入库、按次释放绑定商家/金额/货币、单次 + TTL）
- 结账页检测：detect_checkout（URL + 无障碍树信号，确定性
  规则、不读原始 DOM、与 P4 detect_form_risk 同输入形状）
- 每次购买人工审批：PaymentGate 经 P5 对话外通道发审批，
  payload 含确切购买详情；完成时先验签、再验详情摘要
  （篡改即拒且审批保持待处理）、最后单次消费答复
- 一次性卡号：OneTimeCard 绑定商家/金额/货币/有效期，单次
  兑现；SimulatedWalletBackend 沙箱钱包（假 PAN 只在后端
  私有内存、charge 只记账不联网、取消即 void）
- 限额：SpendLimits 三档 minor units 比对，限额不可用时
  不编造上限（limits_checked=False）
- 审计：PaymentAudit 只留允许字段，秘密字段名丢弃 + redacted
- 审批通道最小扩展：ApprovalRequest 增加可选 details 字段，
  不传时 payload 与 P5 完全一致
- 真实支付与扣款不做：全部沙箱验证，真实钱包集成待用户
  另行批准；新测试 79 项，全量 cloud 套件 2037 OK

round-12 集成说明：本提交为 acf98f8 的 cherry-pick（只含 P10
自有 diff，基线 25bcd35 已含的 P3/P5 内容未重复合入；
approval_channel.py 仅加可选 details 字段）。

cloud/chv/approval_channel.py

@@ -11,6 +11,9 @@
        "reasons": [str, ...], "expires_at": float}
   ``target`` 只有目标描述（连接器/方法/scheme/主机/端口/路径），
   ``reasons`` 只有原因名；载荷里绝无凭证值与用户数据内容。
+  P10 扩展：可选 ``details`` 字段（支付审批的确切购买详情，
+  商家/商品/金额/货币，供客户端 UI 展示；不传时 payload 与
+  P5 完全一致）。
   ``nonce`` 是随机 16 字节 hex（32 字符），每次请求唯一。
   ``expires_at`` 默认请求后 15 分钟（900 秒），可注入时钟。
 - 答复（``Answer``，客户端答完直接回 Sentinel）::
@@ -72,38 +75,50 @@ class ApprovalRequest:
                  reasons: Iterable[str] | None,
                  nonce: str | None = None,
                  now: float | None = None,
-                 ttl_seconds: int = DEFAULT_TTL_SECONDS) -> None:
+                 ttl_seconds: int = DEFAULT_TTL_SECONDS,
+                 details: dict | None = None) -> None:
         self.pending_id = pending_id
         self.target = dict(target)
         self.reasons = list(reasons or [])
         self.nonce = nonce or secrets.token_hex(16)
         at = now if now is not None else time.time()
         self.expires_at = float(at) + ttl_seconds
+        # 可选的确切详情（P10 支付审批用：商家、商品、金额、
+        # 货币——供客户端 UI 展示；无 details 时 payload 与
+        # P5 完全一致）。只含描述字段，无凭证值。
+        self.details = dict(details) if details is not None else None
 
     def payload(self) -> dict:
         """可外发给客户端的请求载荷（只含描述字段 + nonce +
-        过期，无密钥、无凭证值、无用户数据内容）。"""
-        return {"pending_id": self.pending_id, "nonce": self.nonce,
+        过期，无密钥、无凭证值、无用户数据内容）。有 details
+        时带上（支付审批的确切购买详情）。"""
+        out: dict = {"pending_id": self.pending_id, "nonce": self.nonce,
                      "target": dict(self.target),
                      "reasons": list(self.reasons),
                      "expires_at": self.expires_at}
+        if self.details is not None:
+            out["details"] = dict(self.details)
+        return out
 
 
 def request_approval(queue_record: dict, secret: str,
                      now: float | None = None,
-                     ttl_seconds: int = DEFAULT_TTL_SECONDS
+                     ttl_seconds: int = DEFAULT_TTL_SECONDS,
+                     details: dict | None = None
                      ) -> ApprovalRequest:
     """为一条队列记录生成通道请求并登记（nonce + 过期）。
 
     ``secret`` 是调用方持有的通道密钥：本模块不保存它、不进
     载荷、不进日志；答复方用同一密钥签名，校验时对上才算数。
+    ``details`` 可选（P10 支付审批的确切购买详情，进 payload
+    供客户端 UI 展示；不传时行为与 P5 完全一致）。
     返回的 ``ApprovalRequest.payload()`` 即发给客户端的东西。
     """
     pending_id = queue_record["pending_id"]
     req = ApprovalRequest(
         pending_id, _target_from_record(queue_record),
         queue_record.get("reasons", []),
-        now=now, ttl_seconds=ttl_seconds)
+        now=now, ttl_seconds=ttl_seconds, details=details)
     _REQUESTS[pending_id] = {"nonce": req.nonce,
                              "expires_at": req.expires_at}
     return req

cloud/chv/checkout_detect.py

@@ -0,0 +1,143 @@
+"""结账页检测（feat-chv-muse-p10，叶子模块，纯标准库）。
+
+对齐 Muse 官方安全文（security.muse.ai 2026-09-08，见
+docs/chv-muse-p10-gap.md）：已保存支付凭证的网站，浏览器内置
+结账页检测，每次都弹出人工审批并展示确切购买详情。
+
+本模块是纯函数，不启动浏览器、不联网、不读原始 DOM：
+- 输入只有 URL + 无障碍树节点（与 P4 的 ``detect_form_risk``
+  同输入形状——P2 的浏览器子代理只返回无障碍树快照，节点
+  只有 role/name/label/type 等描述字段）；
+- 输出 ``CheckoutVerdict``：是否结账页、置信度、命中原因、
+  表单风险、页面金额文本；
+- 确定性规则，不冒充模型分类器（见 P6 口径）。
+
+诚实边界：启发式检测，不是 100% 检出——商户自定义结账页、
+单页应用内嵌结账可能漏检。漏检时的安全底线在调用方
+（``PaymentGate`` 拒绝任何未经审批的扣款），不在本模块
+宣称“所有结账页都会被拦下”。
+
+页面金额文本（``amount_text``）只作展示信号：扣款金额永远
+以 ``PurchaseDetails``（订单数据）为准，页面文本是不受信任
+输入（P6 口径），不得直接拿去扣款。
+"""
+
+import re
+from dataclasses import dataclass, field
+from urllib.parse import urlparse
+
+# URL 路径段信号：结账步骤（高）与购物车（中，结账前一步）。
+_CHECKOUT_SEGMENTS = ("checkout", "check-out", "payment", "pay",
+                      "billing", "order-review", "place-order",
+                      "confirm-order")
+_CART_SEGMENTS = ("cart", "basket", "bag")
+
+# 无障碍树节点文本信号（小写子串匹配）。
+_PAYMENT_HINTS = ("card number", "credit card", "debit card",
+                  "cardholder", "expiry", "expiration", "exp date",
+                  "cvc", "cvv", "security code", "卡号", "信用卡",
+                  "有效期", "安全码")
+_ORDER_HINTS = ("place order", "pay now", "confirm purchase",
+                "complete purchase", "checkout", "下单", "立即支付",
+                "确认购买", "去支付", "提交订单")
+_PASSWORD_HINTS = ("password", "密码")
+
+_AMOUNT_RE = re.compile(
+    r"[$€£¥]\s?\d[\d,]*(?:\.\d{1,2})?"
+    r"|\b\d[\d,]*(?:\.\d{1,2})?\s?(?:USD|EUR|GBP|JPY|CNY)\b")
+
+
+@dataclass
+class CheckoutVerdict:
+    """一次结账检测的结果（只含描述，不含任何凭证值）。"""
+
+    is_checkout: bool
+    confidence: str  # high / medium / low
+    reasons: list = field(default_factory=list)
+    form_risk: str | None = None  # payment / password / None
+    amount_text: str | None = None
+
+
+def _node_text(node: dict) -> str:
+    """一个无障碍树节点的描述文本（role/name/label/type
+    拼起来，小写；原始 DOM 从不到这里）。"""
+    parts = [str(node.get(k, "")) for k in
+             ("role", "name", "label", "type")]
+    return " ".join(parts).lower()
+
+
+def _url_level(url: str) -> str:
+    """URL 信号档位：high（结账路径）/ medium（购物车）/
+    none。只看 path，不看 query（query 里可能有订单号等
+    敏感值，不进原因）。"""
+    try:
+        path = urlparse(url).path.lower()
+    except ValueError:
+        return "none"
+    segments = [s for s in path.split("/") if s]
+    if any(s in _CHECKOUT_SEGMENTS for s in segments):
+        return "high"
+    if any(s in _CART_SEGMENTS for s in segments):
+        return "medium"
+    return "none"
+
+
+def _node_signals(nodes: list) -> tuple:
+    """无障碍树信号：(支付字段, 密码字段, 下单按钮, 金额文本)。
+    节点文本只作特征匹配，不存原文。"""
+    payment = False
+    password = False
+    order = False
+    amount: str | None = None
+    for node in nodes or []:
+        text = _node_text(node)
+        if not text.strip():
+            continue
+        if any(h in text for h in _PAYMENT_HINTS):
+            payment = True
+        if any(h in text for h in _PASSWORD_HINTS):
+            password = True
+        if any(h in text for h in _ORDER_HINTS):
+            order = True
+        if amount is None:
+            hit = _AMOUNT_RE.search(text)
+            if hit:
+                amount = hit.group(0)
+    return payment, password, order, amount
+
+
+def detect_checkout(url: str, nodes: list | None = None
+                    ) -> CheckoutVerdict:
+    """检测一个页面是否为结账页。
+
+    判定（确定性规则）：支付字段在页 → 结账页（高置信）；
+    结账路径 URL → 结账页（有下单按钮/金额则高，否则中）；
+    下单按钮 + 金额文本 → 结账页（中置信）；只命中购物车
+    路径 → 不是结账页（购物车是结账前一步）；其余 → 不是。
+    ``form_risk``：支付字段在页为 ``payment``，否则密码字
+    段在页为 ``password``，与 P4 的 ``detect_form_risk``
+    口径一致。"""
+    level = _url_level(url)
+    has_payment, has_password, has_order, amount = _node_signals(
+        nodes or [])
+    reasons: list = []
+    if level == "high":
+        reasons.append("checkout_url")
+    elif level == "medium":
+        reasons.append("cart_url")
+    if has_payment:
+        reasons.append("payment_fields")
+    if has_order:
+        reasons.append("order_button")
+    if amount is not None:
+        reasons.append("amount_text")
+    risk = "payment" if has_payment else (
+        "password" if has_password else None)
+    if has_payment:
+        return CheckoutVerdict(True, "high", reasons, risk, amount)
+    if level == "high":
+        conf = "high" if has_order or amount else "medium"
+        return CheckoutVerdict(True, conf, reasons, risk, amount)
+    if has_order and amount is not None:
+        return CheckoutVerdict(True, "medium", reasons, risk, amount)
+    return CheckoutVerdict(False, "low", reasons, risk, amount)

cloud/chv/payments.py

@@ -0,0 +1,769 @@
+"""支付安全门（feat-chv-muse-p10，叶子模块，纯标准库）。
+
+对齐 Muse 官方安全文（security.muse.ai 2026-09-08，见
+docs/chv-muse-p10-gap.md）：支付时发行一次性卡号给商家而非
+真实卡号，绑定特定商家、特定金额、有限有效期；已保存支付
+凭证的网站每次购买都弹人工审批并展示确切购买详情；未购物
+过的网站走内置合规钱包（Stripe Link 首发、Shop Pay 次之）。
+
+本模块只做客内 agent 侧的支付安全门（检测、路由、限额、
+审批、绑定、审计），不产生真实扣款：
+- ``PaymentCredentialVault``：已保存支付方式的隔离存储，
+  走 P3 authd 模式（只活内存、白名单、按次释放绑定、审计
+  绝无凭证值），但另立库——只存不透明支付方式 id + 掩码
+  标签，原始卡号 PAN 拒绝入库；
+- ``OneTimeCard``：一次性卡号的绑定与兑现校验（商家 +
+  金额 + 货币 + 有效期，单次有效）；
+- ``SimulatedWalletBackend``：沙箱钱包（假 PAN 只在后端
+  私有内存里，调用方只见掩码标签与 card_id；``charge``
+  只记账不联网），供测试与演示；真实钱包集成是待用户
+  另行批准的事项，见差距表 §3；
+- ``PaymentGate``：编排——结账检测 → 路由 → 限额 →
+  P5 对话外审批（确切购买详情进 payload）→ 铸一次性卡
+  → 兑现校验 → 记账 → 审计。无审批的支付一律拒绝。
+
+真实一次性虚拟卡由 Link 在其侧发行（连接器文档原文），
+本轨的卡是绑定与兑现校验的等价模型，不是发卡行。
+"""
+
+import hashlib
+import json
+import secrets
+import time
+from collections.abc import Callable
+from dataclasses import dataclass
+
+from cloud.chv.approval_channel import (
+    Answer,
+    request_approval,
+    resolve_via_channel,
+    verify_answer,
+)
+from cloud.chv.checkout_detect import CheckoutVerdict
+from cloud.chv.sentinel import ApprovalQueue, EgressRequest
+
+# 钱包提供方白名单（连接器文档现状：stripe-link 首发、
+# shop-pay 已可用；未知提供方一律拒绝）。
+ALLOWED_WALLET_PROVIDERS = frozenset({"stripe-link", "shop-pay"})
+
+# 一次性卡默认有效期（秒）与按次释放默认有效期（秒）。
+DEFAULT_CARD_TTL_SECONDS = 900
+DEFAULT_RELEASE_TTL_SECONDS = 300
+
+# 审计里绝不出现的字段名（命中即丢弃并标 redacted）。
+_SECRET_FIELD_NAMES = ("card_number", "cardnumber", "pan", "cvv",
+                       "cvc", "token", "secret", "password")
+
+# 沙箱钱包的假卡号段（Stripe 测试卡号段，永不产生真实扣款）。
+_TEST_PAN_PREFIX = "400000000000"
+
+
+class PaymentRefusal(Exception):
+    """支付拒绝：kind + 原因，不含任何卡号与凭证值。"""
+
+    def __init__(self, kind: str, message: str) -> None:
+        super().__init__("payment_refused:%s: %s" % (kind, message))
+        self.kind = kind
+
+
+def luhn_valid(number: str) -> bool:
+    """Luhn 校验（只用于识别“像卡号”的数字串，拒绝入库）。"""
+    digits = [int(c) for c in number if c.isdigit()]
+    if len(digits) < 13 or len(digits) > 19:
+        return False
+    total = 0
+    for i, d in enumerate(reversed(digits)):
+        if i % 2 == 1:
+            d *= 2
+            if d > 9:
+                d -= 9
+        total += d
+    return total % 10 == 0
+
+
+def _looks_like_pan(value: str) -> bool:
+    """值是否像原始卡号：去空格/横线后 13–19 位数字且过
+    Luhn。命中即视为 PAN，拒绝入库、拒绝进审计。"""
+    compact = value.replace(" ", "").replace("-", "")
+    return compact.isdigit() and luhn_valid(compact)
+
+
+def _masked_label(pan: str, brand: str = "Visa") -> str:
+    """假卡号的掩码标签（只露后 4 位，审计与审批里唯一
+    允许出现的卡号派生形式）。"""
+    return "%s ....%s" % (brand, pan[-4:])
+
+
+@dataclass
+class PaymentMethod:
+    """一个已保存的支付方式（只含不透明 id + 掩码标签，
+    无真实卡号）。``merchant_host`` 是该凭证保存于的商家
+    主机（None = 未限定商家，释放时仍须绑定本次商家）。"""
+
+    provider: str
+    method_id: str
+    masked_label: str
+    merchant_host: str | None = None
+
+    def describe(self) -> dict:
+        """审计/审批用描述（不含任何凭证值）。"""
+        return {"provider": self.provider, "method_id": self.method_id,
+                "masked_label": self.masked_label,
+                "merchant_host": self.merchant_host}
+
+
+@dataclass
+class PaymentRelease:
+    """一次支付方式按次释放（替身）：绑定到一次具体的购买。
+    兑现后交出的是不透明 method_id + 掩码标签，不是卡号。"""
+
+    release_id: str
+    provider: str
+    method_id: str
+    masked_label: str
+    merchant: str
+    amount_minor: int
+    currency: str
+    expires_at: float
+    uses_left: int = 1
+
+    def describe(self) -> dict:
+        """审计用描述（只含绑定，不含值）。"""
+        return {"release_id": self.release_id,
+                "provider": self.provider, "method_id": self.method_id,
+                "masked_label": self.masked_label,
+                "merchant": self.merchant,
+                "amount_minor": self.amount_minor,
+                "currency": self.currency,
+                "expires_at": self.expires_at,
+                "uses_left": self.uses_left}
+
+    def __repr__(self) -> str:  # 绝不含任何凭证值
+        return ("PaymentRelease(id=%s provider=%s merchant=%s "
+                "amount=%d %s)" % (self.release_id, self.provider,
+                                   self.merchant, self.amount_minor,
+                                   self.currency))
+
+
+class PaymentCredentialVault:
+    """只活内存的支付凭证保险库（一个 VM 一个实例）。
+
+    - 值只存在内存 dict 里，不落盘、不进日志；
+    - 只存不透明支付方式 id + 掩码标签：原始卡号 PAN、
+      未知提供方、空 id 一律拒绝入库；
+    - ``release()`` 按次发放：绑定 {商家, 金额, 货币}，
+      单次有效、ttl 后过期；
+    - ``consume()`` 单次兑现：兑现一次即删除，过期也兑现
+      不了；兑现失败不留可重试的残值。
+    clock 可注入（测试用假时钟测过期），默认 time.time。"""
+
+    def __init__(self, clock: Callable[[], float] | None = None) -> None:
+        self._store: dict[tuple[str, str], PaymentMethod] = {}
+        self._releases: dict[str, PaymentRelease] = {}
+        self._clock = clock or time.time
+
+    def __repr__(self) -> str:  # 绝不含任何凭证值
+        return "PaymentCredentialVault(providers=%s)" % sorted(
+            {p for (p, _m) in self._store})
+
+    def store(self, provider: str, method_id: str,
+              masked_label: str, merchant_host: str | None = None
+              ) -> None:
+        """入库：白名单校验 + PAN 拒绝。原始卡号、未知提供方、
+        空 id、空标签一律拒绝入库（PaymentRefusal），绝不静默
+        收下。"""
+        if provider not in ALLOWED_WALLET_PROVIDERS:
+            raise PaymentRefusal(
+                "unknown_provider",
+                "钱包提供方 %s 不在白名单内" % provider)
+        if not isinstance(method_id, str) or not method_id.strip():
+            raise PaymentRefusal("empty_method_id", "支付方式 id 为空")
+        if _looks_like_pan(method_id) or _looks_like_pan(masked_label):
+            raise PaymentRefusal(
+                "raw_pan_refused",
+                "原始卡号不得入库，只存不透明 id 与掩码标签")
+        if not isinstance(masked_label, str) or not masked_label.strip():
+            raise PaymentRefusal("empty_label", "掩码标签为空")
+        key = (provider, method_id)
+        self._store[key] = PaymentMethod(
+            provider, method_id, masked_label, merchant_host)
+
+    def has(self, provider: str, method_id: str) -> bool:
+        """该（提供方，方式 id）是否已入库（不返回值）。"""
+        return (provider, method_id) in self._store
+
+    def methods_for_merchant(self, merchant_host: str) -> list:
+        """该商家主机上已保存的支付方式（只返回描述对象，
+        不含任何凭证值）。"""
+        return [m for m in self._store.values()
+                if m.merchant_host is None
+                or m.merchant_host == merchant_host]
+
+    def all_methods(self) -> list:
+        """全部已保存支付方式（描述对象，不含任何凭证值）。"""
+        return list(self._store.values())
+
+    def forget(self, provider: str, method_id: str) -> bool:
+        """删一条入库支付方式；同时作废其全部未兑现释放。
+        未知键返回 False，不抛错。"""
+        gone = self._store.pop((provider, method_id), None) is not None
+        if gone:
+            doomed = [rid for rid, rel in self._releases.items()
+                      if rel.provider == provider
+                      and rel.method_id == method_id]
+            for rid in doomed:
+                self._releases.pop(rid, None)
+        return gone
+
+    def release(self, provider: str, method_id: str, merchant: str,
+                amount_minor: int, currency: str,
+                ttl_seconds: int = DEFAULT_RELEASE_TTL_SECONDS,
+                max_uses: int = 1) -> PaymentRelease:
+        """按次发放：绑定须与入库作用域一致（merchant_host
+        有记录时须一致），金额须 > 0。发放的释放单次有效、
+        ttl 后过期；须经 consume() 兑现一次才交出方式引用。"""
+        method = self._store.get((provider, method_id))
+        if method is None:
+            raise PaymentRefusal(
+                "method_not_stored",
+                "支付方式 %s 未入库" % method_id)
+        if method.merchant_host is not None \
+                and method.merchant_host != merchant:
+            raise PaymentRefusal(
+                "scope_mismatch", "支付方式作用域商家不一致，拒绝释放")
+        if amount_minor <= 0:
+            raise PaymentRefusal("bad_amount", "金额须大于 0")
+        release = PaymentRelease(
+            release_id=secrets.token_hex(8),
+            provider=provider, method_id=method_id,
+            masked_label=method.masked_label, merchant=merchant,
+            amount_minor=amount_minor, currency=currency,
+            expires_at=self._clock() + ttl_seconds,
+            uses_left=max_uses)
+        self._releases[release.release_id] = release
+        return release
+
+    def consume(self, release_id: str) -> PaymentMethod:
+        """兑现一次释放：过期/用完/未知 id 一律拒绝
+        （PaymentRefusal，不含值）。兑现成功返回支付方式
+        引用（不透明 id + 掩码标签），并把该释放删除。"""
+        release = self._releases.get(release_id)
+        if release is None:
+            raise PaymentRefusal(
+                "release_unknown", "释放记录不存在或已兑现")
+        if self._clock() >= release.expires_at:
+            self._releases.pop(release_id, None)
+            raise PaymentRefusal("release_expired", "释放已过期")
+        if release.uses_left <= 0:
+            self._releases.pop(release_id, None)
+            raise PaymentRefusal("release_exhausted", "释放已用完")
+        release.uses_left -= 1
+        method = self._store.get((release.provider, release.method_id))
+        self._releases.pop(release_id, None)
+        if method is None:
+            raise PaymentRefusal(
+                "method_gone", "支付方式已删除，释放作废")
+        return method
+
+
+@dataclass
+class PurchaseDetails:
+    """一次购买的确切详情（审批单上展示给用户的全部内容，
+    也是防篡改摘要的输入）。金额以 minor units 计（分/日元
+    等无小数货币按其最小单位），货币为三位字母码，不换算。"""
+
+    merchant: str
+    merchant_host: str
+    items: tuple
+    amount_minor: int
+    currency: str
+    wallet_provider: str
+
+    def total_minor(self) -> int:
+        """商品小计（数量 × 单价之和），须等于 amount_minor。"""
+        return sum(qty * unit for (_n, qty, unit) in self.items)
+
+    def validate(self) -> None:
+        """校验详情自洽：金额 > 0、货币三位码、商品非空、
+        小计等于总额、提供方在白名单内。任一失败即
+        ValueError（调用方 bug，不走支付拒绝通道）。"""
+        if self.amount_minor <= 0:
+            raise ValueError("amount_minor must be > 0")
+        if len(self.currency) != 3 or not self.currency.isalpha():
+            raise ValueError("currency must be a 3-letter code")
+        if not self.items:
+            raise ValueError("items must not be empty")
+        if self.total_minor() != self.amount_minor:
+            raise ValueError("items total != amount_minor")
+        if self.wallet_provider not in ALLOWED_WALLET_PROVIDERS:
+            raise ValueError("unknown wallet_provider")
+
+    def describe(self) -> dict:
+        """审批 payload 里的确切购买详情（商家、商品、数量、
+        金额、货币、提供方；无任何卡号与凭证值）。"""
+        return {"merchant": self.merchant,
+                "merchant_host": self.merchant_host,
+                "items": [{"name": n, "qty": q, "unit_minor": u}
+                          for (n, q, u) in self.items],
+                "amount_minor": self.amount_minor,
+                "currency": self.currency,
+                "wallet_provider": self.wallet_provider}
+
+    def digest(self) -> str:
+        """购买详情摘要（SHA-256，规范 JSON）：审批时记下，
+        扣款时重算——详情被篡改（换商家/改金额/换商品）即
+        摘要对不上，支付拒绝。"""
+        canonical = json.dumps(self.describe(), sort_keys=True,
+                               separators=(",", ":"),
+                               ensure_ascii=False)
+        return hashlib.sha256(canonical.encode("utf-8")).hexdigest()
+
+
+@dataclass
+class OneTimeCard:
+    """一张一次性卡号（绑定与兑现校验的等价模型）。
+
+    绑定 {商家, 金额, 货币, 有效期}，单次有效。真实一次
+    性虚拟卡由 Link 在其侧发行（连接器文档原文），本类
+    只做绑定校验——调用方只见 card_id 与掩码标签，卡号
+    本体只活在钱包后端私有内存里。"""
+
+    card_id: str
+    merchant: str
+    amount_minor: int
+    currency: str
+    expires_at: float
+    masked_label: str
+    uses_left: int = 1
+
+    def describe(self) -> dict:
+        """审计用描述（只含绑定与掩码标签，不含卡号）。"""
+        return {"card_id": self.card_id, "merchant": self.merchant,
+                "amount_minor": self.amount_minor,
+                "currency": self.currency,
+                "expires_at": self.expires_at,
+                "masked_label": self.masked_label,
+                "uses_left": self.uses_left}
+
+    def __repr__(self) -> str:  # 绝不含卡号
+        return ("OneTimeCard(id=%s merchant=%s amount=%d %s)"
+                % (self.card_id, self.merchant, self.amount_minor,
+                   self.currency))
+
+    def authorize(self, merchant: str, amount_minor: int,
+                  currency: str, now: float) -> tuple:
+        """兑现校验：用完/过期/换商家/超额/换货币任一命中
+        即 (False, 原因)；全过则消耗一次并返回 (True,
+        "ok")。单次有效，用过即废。"""
+        if self.uses_left <= 0:
+            return False, "card_exhausted"
+        if now >= self.expires_at:
+            return False, "card_expired"
+        if merchant != self.merchant:
+            return False, "wrong_merchant"
+        if currency != self.currency:
+            return False, "wrong_currency"
+        if amount_minor > self.amount_minor:
+            return False, "amount_exceeded"
+        self.uses_left -= 1
+        return True, "ok"
+
+
+@dataclass
+class SpendLimits:
+    """钱包侧限额（minor units，无货币、不换算——按
+    stripe-link 连接器文档口径）。None = 该档未设置。
+    ``daily_spent_minor`` / ``thirty_day_spent_minor`` 是
+    调用方传入的已用额度（本模块不记账）。"""
+
+    per_purchase_minor: int | None = None
+    daily_minor: int | None = None
+    thirty_day_minor: int | None = None
+    daily_spent_minor: int = 0
+    thirty_day_spent_minor: int = 0
+
+    def check(self, amount_minor: int) -> tuple:
+        """逐项比 minor units：超任一档即 (False, 原因)；
+        三档全为 None（限额不可用）→ (True,
+        "limits_unavailable")，绝不编造上限。"""
+        if self.per_purchase_minor is not None \
+                and amount_minor > self.per_purchase_minor:
+            return False, "over_per_purchase_limit"
+        if self.daily_minor is not None \
+                and self.daily_spent_minor + amount_minor \
+                > self.daily_minor:
+            return False, "over_daily_limit"
+        if self.thirty_day_minor is not None \
+                and self.thirty_day_spent_minor + amount_minor \
+                > self.thirty_day_minor:
+            return False, "over_thirty_day_limit"
+        if self.per_purchase_minor is None \
+                and self.daily_minor is None \
+                and self.thirty_day_minor is None:
+            return True, "limits_unavailable"
+        return True, "ok"
+
+
+class PaymentAudit:
+    """支付审计（内存态记录表）。
+
+    事件只含允许字段（商家、金额、货币、掩码标签、
+    pending_id、原因、路由、提供方）；字段名命中
+    ``_SECRET_FIELD_NAMES`` 一律丢弃并标 ``redacted``——
+    卡号与凭证值绝不进审计。"""
+
+    ALLOWED_FIELDS = frozenset({
+        "merchant", "merchant_host", "amount_minor", "currency",
+        "masked_label", "pending_id", "reason", "route",
+        "wallet_provider", "card_id", "limits_checked",
+    })
+
+    def __init__(self, clock: Callable[[], float] | None = None) -> None:
+        self._records: list = []
+        self._clock = clock or time.time
+
+    def record(self, event: str, fields: dict | None = None,
+               now: float | None = None) -> dict:
+        """记一条审计（只留允许字段；秘密字段名丢弃并标
+        redacted）。返回记下的记录副本。"""
+        at = now if now is not None else self._clock()
+        kept: dict = {"event": event, "ts": at}
+        redacted = False
+        for key, value in (fields or {}).items():
+            if key in _SECRET_FIELD_NAMES:
+                redacted = True
+                continue
+            if key in self.ALLOWED_FIELDS:
+                kept[key] = value
+        if redacted:
+            kept["redacted"] = True
+        self._records.append(dict(kept))
+        return dict(kept)
+
+    def list_records(self) -> list:
+        """全部审计记录（副本，按记录时间排序）。"""
+        return [dict(r) for r in self._records]
+
+
+class SimulatedWalletBackend:
+    """沙箱钱包（测试与演示用，绝不产生真实扣款）。
+
+    - 假 PAN 只存在 ``self._pans`` 私有内存里，调用方只见
+      card_id 与掩码标签；``__repr__`` 与账本里绝无卡号；
+    - ``mint_card`` 按购买详情铸一次性卡（绑定商家 + 金额
+      + 货币 + 900 秒有效期）；
+    - ``charge`` 只记账不联网：绑定校验通过即记一笔
+      ``simulated_paid``，否则记拒绝原因；
+    - ``void_card`` 作废一张卡（取消待支付时调用）。
+    真实钱包集成是待用户另行批准的事项（见差距表 §3）。"""
+
+    def __init__(self, providers: tuple = ("stripe-link", "shop-pay"),
+                 clock: Callable[[], float] | None = None) -> None:
+        self._providers = tuple(providers)
+        self._vault = PaymentCredentialVault(clock=clock)
+        self._pans: dict[str, str] = {}
+        self._cards: dict[str, OneTimeCard] = {}
+        self._voided: set = set()
+        self._ledger: list = []
+        self._clock = clock or time.time
+        self.fail_next_charge = False
+
+    def __repr__(self) -> str:  # 绝不含任何卡号
+        return "SimulatedWalletBackend(providers=%s)" % list(
+            self._providers)
+
+    def supports(self, provider: str) -> bool:
+        """该钱包提供方是否可用（沙箱里由构造参数决定，
+        真实侧由钱包连接状态决定）。"""
+        return provider in self._providers
+
+    def add_method(self, provider: str, method_id: str,
+                   masked_label: str, merchant_host: str | None = None
+                   ) -> None:
+        """往沙箱钱包里加一个已保存支付方式（只存不透明
+        id + 掩码标签，走同一入库校验）。"""
+        self._vault.store(provider, method_id, masked_label,
+                          merchant_host)
+
+    def list_methods(self, merchant_host: str | None = None) -> list:
+        """已保存支付方式（描述对象；merchant_host 给了
+        则只返回该商家的）。"""
+        if merchant_host is None:
+            return [m.describe()
+                    for m in self._vault.all_methods()]
+        return [m.describe() for m in
+                self._vault.methods_for_merchant(merchant_host)]
+
+    def mint_card(self, details: PurchaseDetails,
+                  now: float | None = None) -> OneTimeCard:
+        """按购买详情铸一张一次性卡：假 PAN 只进私有内存，
+        返回的卡对象只有 card_id 与掩码标签。"""
+        at = now if now is not None else self._clock()
+        card_id = "otc_" + secrets.token_hex(8)
+        pan = _TEST_PAN_PREFIX + "%04d" % secrets.randbelow(10000)
+        self._pans[card_id] = pan
+        card = OneTimeCard(
+            card_id=card_id, merchant=details.merchant,
+            amount_minor=details.amount_minor,
+            currency=details.currency,
+            expires_at=at + DEFAULT_CARD_TTL_SECONDS,
+            masked_label=_masked_label(pan))
+        self._cards[card_id] = card
+        return card
+
+    def charge(self, card: OneTimeCard, details: PurchaseDetails,
+               now: float | None = None) -> dict:
+        """模拟扣款：只记账不联网。绑定校验通过即记一笔
+        simulated_paid；``fail_next_charge`` 为真时模拟
+        钱包侧失败（扣款失败即 void 该卡）。"""
+        at = now if now is not None else self._clock()
+        entry: dict
+        if self.fail_next_charge:
+            self.fail_next_charge = False
+            self.void_card(card.card_id)
+            entry = {"status": "simulated_failed",
+                     "reason": "wallet_declined",
+                     "card_id": card.card_id}
+            self._ledger.append(dict(entry))
+            return dict(entry)
+        ok, reason = card.authorize(
+            details.merchant, details.amount_minor,
+            details.currency, at)
+        if not ok:
+            entry = {"status": "refused", "reason": reason,
+                     "card_id": card.card_id}
+            self._ledger.append(dict(entry))
+            return dict(entry)
+        entry = {"status": "simulated_paid",
+                 "card_id": card.card_id,
+                 "merchant": details.merchant,
+                 "amount_minor": details.amount_minor,
+                 "currency": details.currency,
+                 "masked_label": card.masked_label}
+        self._ledger.append(dict(entry))
+        return dict(entry)
+
+    def void_card(self, card_id: str) -> bool:
+        """作废一张一次性卡（取消待支付时调用；已作废或
+        未知 id 返回 False，不抛错）。"""
+        if card_id in self._voided or card_id not in self._cards:
+            return False
+        self._voided.add(card_id)
+        card = self._cards[card_id]
+        card.uses_left = 0
+        return True
+
+    def ledger(self) -> list:
+        """模拟账本（副本；只含记账条目，无任何卡号）。"""
+        return [dict(e) for e in self._ledger]
+
+
+def _verdict_of(answer: Answer | dict) -> str:
+    """答复对象或同款 dict 里的 verdict（verify_answer 已
+    校验过合法性，这里只取值；取不到即空串）。"""
+    if isinstance(answer, dict):
+        value = answer.get("verdict", "")
+        return value if isinstance(value, str) else ""
+    return getattr(answer, "verdict", "") or ""
+
+
+class PaymentGate:
+    """支付安全门：一次购买的完整编排。
+
+    ``begin_purchase``：结账检测 → 路由（已保存凭证 /
+    合规钱包 stripe-link 优先、shop-pay 次之）→ 限额 →
+    P5 对话外审批（确切购买详情进 payload）。无审批不支付。
+    ``complete_purchase``：验签（不消费）→ 验详情摘要
+    （篡改即拒，审批保持待处理）→ 单次消费答复 → 铸一次
+    性卡 → 兑现校验 → 记账 → 审计。审批被拒即停止，不扣款。
+    """
+
+    def __init__(self, queue: ApprovalQueue,
+                 wallet: SimulatedWalletBackend,
+                 vault: PaymentCredentialVault,
+                 channel_secret: str,
+                 clock: Callable[[], float] | None = None,
+                 audit: PaymentAudit | None = None) -> None:
+        self._queue = queue
+        self._wallet = wallet
+        self._vault = vault
+        self._secret = channel_secret
+        self._clock = clock or time.time
+        self._audit = audit or PaymentAudit(clock=clock)
+        self._pending: dict[str, dict] = {}
+
+    def _route(self, details: PurchaseDetails) -> tuple:
+        """路由：商家有已保存凭证 → saved；无 → 合规钱包
+        （stripe-link 优先、shop-pay 次之）；两家都不支持
+        → (None, "no_wallet_route")。"""
+        saved = self._vault.methods_for_merchant(
+            details.merchant_host)
+        if saved:
+            return "saved", saved[0].provider
+        if self._wallet.supports("stripe-link"):
+            return "wallet", "stripe-link"
+        if self._wallet.supports("shop-pay"):
+            return "wallet", "shop-pay"
+        return "", "no_wallet_route"
+
+    def _refuse(self, details: PurchaseDetails, reason: str,
+                at: float, limits_checked: bool | None = None) -> dict:
+        """记一条 payment_refused 审计并返回统一的拒绝结果。"""
+        fields: dict = {"merchant": details.merchant,
+                  "merchant_host": details.merchant_host,
+                  "amount_minor": details.amount_minor,
+                  "currency": details.currency,
+                  "wallet_provider": details.wallet_provider,
+                  "reason": reason}
+        if limits_checked is not None:
+            fields["limits_checked"] = limits_checked
+        self._audit.record("payment_refused", fields, now=at)
+        out: dict = {"ok": False, "reason": reason}
+        if limits_checked is not None:
+            out["limits_checked"] = limits_checked
+        return out
+
+    def _request_payment_approval(self, details: PurchaseDetails,
+                                  route: str, provider: str,
+                                  limits_checked: bool,
+                                  at: float) -> dict:
+        """记入 Sentinel 待审批队列并经 P5 通道发审批请求
+        （确切购买详情进 payload）。返回 begin 的成功结果。"""
+        request = EgressRequest(
+            connector="payment", method="purchase", scheme="https",
+            host=details.merchant_host, port=443, path="/checkout")
+        pending_id = self._queue.record(request, ["payment_approval"])
+        record = next(r for r in self._queue.list_pending()
+                      if r["pending_id"] == pending_id)
+        approval = request_approval(
+            record, self._secret, now=at,
+            details=details.describe())
+        self._pending[pending_id] = {
+            "details": details, "digest": details.digest(),
+            "route": route, "provider": provider,
+            "card_id": None, "limits_checked": limits_checked}
+        self._audit.record(
+            "payment_approval_requested",
+            {"merchant": details.merchant,
+             "merchant_host": details.merchant_host,
+             "amount_minor": details.amount_minor,
+             "currency": details.currency,
+             "wallet_provider": details.wallet_provider,
+             "pending_id": pending_id, "route": route,
+             "limits_checked": limits_checked}, now=at)
+        return {"ok": True, "pending_id": pending_id,
+                "payload": approval.payload(), "route": route,
+                "provider": provider}
+
+    def begin_purchase(self, details: PurchaseDetails,
+                       checkout: CheckoutVerdict,
+                       limits: SpendLimits | None = None,
+                       now: float | None = None) -> dict:
+        """开始一次购买：返回 {"ok": True, "pending_id",
+        "payload", "route", "provider"}，或 {"ok": False,
+        "reason"}。审批请求发给客户端 UI，payload 的 details
+        就是用户看到的确切购买详情。"""
+        details.validate()
+        at = now if now is not None else self._clock()
+        if not checkout.is_checkout:
+            return self._refuse(details, "not_checkout", at)
+        route, provider = self._route(details)
+        if not route:
+            return self._refuse(details, provider, at)
+        limits_checked = False
+        if limits is not None:
+            ok, reason = limits.check(details.amount_minor)
+            if not ok:
+                return self._refuse(details, reason, at, True)
+            limits_checked = reason != "limits_unavailable"
+        return self._request_payment_approval(
+            details, route, provider, limits_checked, at)
+
+    def _charge_after_approval(self, pending_id: str,
+                               details: PurchaseDetails,
+                               base: dict, at: float) -> dict:
+        """审批通过后：铸一次性卡 → 兑现校验 → 记账。扣款
+        失败即 {"ok": False, "reason"}，不扣款；成功即
+        {"ok": True, "charge", "card_id", "masked_label"}。"""
+        card = self._wallet.mint_card(details, now=at)
+        self._pending[pending_id]["card_id"] = card.card_id
+        result = self._wallet.charge(card, details, now=at)
+        if result.get("status") != "simulated_paid":
+            self._audit.record(
+                "payment_refused",
+                dict(base, reason=result.get("reason", "charge_failed"),
+                     card_id=card.card_id), now=at)
+            self._pending.pop(pending_id, None)
+            return {"ok": False,
+                    "reason": result.get("reason", "charge_failed")}
+        self._audit.record(
+            "payment_completed",
+            dict(base, card_id=card.card_id,
+                 masked_label=card.masked_label), now=at)
+        self._pending.pop(pending_id, None)
+        return {"ok": True, "charge": result,
+                "card_id": card.card_id,
+                "masked_label": card.masked_label}
+
+    def complete_purchase(self, pending_id: str,
+                          answer: Answer | dict,
+                          actual_details: PurchaseDetails,
+                          now: float | None = None) -> dict:
+        """完成一次购买：验签 → 验详情摘要 → 单次消费答复
+        → 铸一次性卡 → 兑现校验 → 记账。任一步失败即
+        {"ok": False, "reason"}，不扣款。"""
+        pending = self._pending.get(pending_id)
+        if pending is None:
+            return {"ok": False, "reason": "unknown_pending"}
+        at = now if now is not None else self._clock()
+        details = pending["details"]
+        base = {"merchant": details.merchant,
+                "amount_minor": details.amount_minor,
+                "currency": details.currency,
+                "pending_id": pending_id}
+        if not verify_answer(answer, self._secret, now=at):
+            self._audit.record("payment_refused",
+                               dict(base, reason="invalid_answer"),
+                               now=at)
+            return {"ok": False, "reason": "invalid_answer"}
+        if actual_details.digest() != pending["digest"]:
+            self._audit.record("payment_refused",
+                               dict(base, reason="details_tampered"),
+                               now=at)
+            return {"ok": False, "reason": "details_tampered"}
+        if not resolve_via_channel(self._queue, answer, self._secret,
+                                   now=at):
+            return {"ok": False, "reason": "resolve_failed"}
+        if _verdict_of(answer) == "deny":
+            self._audit.record("payment_denied", base, now=at)
+            self._pending.pop(pending_id, None)
+            return {"ok": False, "reason": "denied"}
+        return self._charge_after_approval(pending_id, details,
+                                           base, at)
+
+    def cancel_purchase(self, pending_id: str,
+                        now: float | None = None) -> dict:
+        """取消一笔待支付：审批保持未消费（用户可重新发起），
+        已铸的卡即 void（取消待支付 void 虚拟卡，连接器文档
+        口径）。未知 pending 返回 False，不抛错。"""
+        pending = self._pending.pop(pending_id, None)
+        if pending is None:
+            return {"ok": False, "reason": "unknown_pending"}
+        at = now if now is not None else self._clock()
+        card_id = pending.get("card_id")
+        if card_id is not None:
+            self._wallet.void_card(card_id)
+            self._audit.record("payment_card_voided",
+                               {"pending_id": pending_id,
+                                "card_id": card_id}, now=at)
+        self._audit.record(
+            "payment_cancelled",
+            {"merchant": pending["details"].merchant,
+             "amount_minor": pending["details"].amount_minor,
+             "currency": pending["details"].currency,
+             "pending_id": pending_id}, now=at)
+        return {"ok": True, "reason": "cancelled"}
+
+    def pending_ids(self) -> list:
+        """全部待处理购买的 pending_id（副本）。"""
+        return list(self._pending)

cloud/tests/test_chv_muse_p10_checkout.py

@@ -0,0 +1,133 @@
+"""对齐 Muse P10 结账检测测试：detect_checkout 纯函数。
+
+只用标准库，不启动浏览器、不联网。覆盖：
+- URL 信号（结账路径 / 购物车 / 普通页 / 坏 URL）；
+- 无障碍树信号（支付字段 / 密码字段 / 下单按钮 / 金额文本）；
+- 中英文特征；节点为空；页面金额只作展示信号。
+"""
+
+import sys
+import unittest
+from pathlib import Path
+
+try:
+    from cloud.chv.checkout_detect import detect_checkout
+except ImportError:
+    sys.path.insert(0, str(Path(__file__).resolve().parents[2]))
+    from cloud.chv.checkout_detect import detect_checkout
+
+
+def _node(role: str, name: str) -> dict:
+    return {"role": role, "name": name}
+
+
+class CheckoutUrlTest(unittest.TestCase):
+    def test_checkout_path_is_checkout_high(self) -> None:
+        verdict = detect_checkout("https://shop.example.com/checkout")
+        self.assertTrue(verdict.is_checkout)
+        self.assertEqual(verdict.confidence, "medium")
+        self.assertIn("checkout_url", verdict.reasons)
+
+    def test_payment_path_is_checkout(self) -> None:
+        verdict = detect_checkout(
+            "https://shop.example.com/order/payment?step=2")
+        self.assertTrue(verdict.is_checkout)
+        self.assertIn("checkout_url", verdict.reasons)
+
+    def test_cart_path_is_not_checkout(self) -> None:
+        verdict = detect_checkout("https://shop.example.com/cart")
+        self.assertFalse(verdict.is_checkout)
+        self.assertEqual(verdict.confidence, "low")
+        self.assertIn("cart_url", verdict.reasons)
+
+    def test_plain_page_is_not_checkout(self) -> None:
+        verdict = detect_checkout("https://shop.example.com/products/1")
+        self.assertFalse(verdict.is_checkout)
+        self.assertEqual(verdict.confidence, "low")
+        self.assertEqual(verdict.reasons, [])
+
+    def test_bad_url_does_not_crash(self) -> None:
+        verdict = detect_checkout("::::not a url::::")
+        self.assertFalse(verdict.is_checkout)
+
+    def test_no_nodes_url_only_decision(self) -> None:
+        verdict = detect_checkout(
+            "https://shop.example.com/checkout", None)
+        self.assertTrue(verdict.is_checkout)
+
+
+class CheckoutNodesTest(unittest.TestCase):
+    def test_payment_fields_make_checkout_high(self) -> None:
+        nodes = [_node("textbox", "Card number"),
+                 _node("textbox", "Expiry date"),
+                 _node("textbox", "Security code (CVC)")]
+        verdict = detect_checkout("https://shop.example.com/buy",
+                                  nodes)
+        self.assertTrue(verdict.is_checkout)
+        self.assertEqual(verdict.confidence, "high")
+        self.assertEqual(verdict.form_risk, "payment")
+        self.assertIn("payment_fields", verdict.reasons)
+
+    def test_password_field_marks_form_risk(self) -> None:
+        nodes = [_node("textbox", "Password")]
+        verdict = detect_checkout("https://shop.example.com/login",
+                                  nodes)
+        self.assertFalse(verdict.is_checkout)
+        self.assertEqual(verdict.form_risk, "password")
+
+    def test_order_button_plus_amount_is_checkout(self) -> None:
+        nodes = [_node("button", "Place order"),
+                 _node("text", "Total: $50.00")]
+        verdict = detect_checkout("https://shop.example.com/review",
+                                  nodes)
+        self.assertTrue(verdict.is_checkout)
+        self.assertEqual(verdict.confidence, "medium")
+        self.assertEqual(verdict.amount_text, "$50.00")
+
+    def test_order_button_alone_is_not_checkout(self) -> None:
+        nodes = [_node("button", "Place order")]
+        verdict = detect_checkout("https://shop.example.com/review",
+                                  nodes)
+        self.assertFalse(verdict.is_checkout)
+
+    def test_amount_only_is_not_checkout(self) -> None:
+        nodes = [_node("text", "Total: $50.00")]
+        verdict = detect_checkout("https://shop.example.com/review",
+                                  nodes)
+        self.assertFalse(verdict.is_checkout)
+        self.assertEqual(verdict.amount_text, "$50.00")
+
+    def test_chinese_payment_hints(self) -> None:
+        nodes = [_node("textbox", "卡号"),
+                 _node("button", "立即支付")]
+        verdict = detect_checkout("https://shop.example.com/buy",
+                                  nodes)
+        self.assertTrue(verdict.is_checkout)
+        self.assertEqual(verdict.form_risk, "payment")
+
+    def test_checkout_url_plus_payment_fields_high(self) -> None:
+        nodes = [_node("textbox", "Card number"),
+                 _node("button", "Pay now")]
+        verdict = detect_checkout("https://shop.example.com/checkout",
+                                  nodes)
+        self.assertTrue(verdict.is_checkout)
+        self.assertEqual(verdict.confidence, "high")
+        self.assertIn("checkout_url", verdict.reasons)
+        self.assertIn("payment_fields", verdict.reasons)
+
+    def test_yen_and_currency_code_amounts(self) -> None:
+        nodes = [_node("text", "合計：¥1,200"),
+                 _node("text", "Total 25.00 USD")]
+        verdict = detect_checkout("https://shop.example.com/review",
+                                  nodes)
+        self.assertEqual(verdict.amount_text, "¥1,200")
+
+    def test_empty_nodes_plain_page(self) -> None:
+        verdict = detect_checkout("https://shop.example.com/", [])
+        self.assertFalse(verdict.is_checkout)
+        self.assertIsNone(verdict.form_risk)
+        self.assertIsNone(verdict.amount_text)
+
+
+if __name__ == "__main__":
+    unittest.main()

cloud/tests/test_chv_muse_p10_gate.py

@@ -0,0 +1,346 @@
+"""对齐 Muse P10 支付安全门端到端测试：PaymentGate 编排。
+
+只用标准库、假时钟与沙箱钱包，绝不启动真实 VM、不联网、
+不产生真实扣款。覆盖：
+- 完整购买链（检测 → 路由 → 限额 → 审批 → 铸卡 → 记账）；
+- 审批 payload 含确切购买详情；无 details 时 payload 与 P5 一致；
+- 无审批不支付、对话内伪造批准无效、答复过期/重放无效；
+- 详情被篡改即拒且审批保持待处理（同一答复换正确详情仍可用）；
+- 审批拒绝即停、不扣款；超限额审批前即拒；限额不可用时不编造；
+- 无钱包路由即拒；已保存凭证路由；取消待支付；扣款失败 void 卡；
+- 审计里绝无卡号。
+"""
+
+import sys
+import unittest
+from pathlib import Path
+
+try:
+    from cloud.chv.approval_channel import (
+        ApprovalRequest,
+        make_answer,
+        request_approval,
+    )
+    from cloud.chv.checkout_detect import CheckoutVerdict
+    from cloud.chv.payments import (
+        PaymentAudit,
+        PaymentCredentialVault,
+        PaymentGate,
+        PurchaseDetails,
+        SimulatedWalletBackend,
+        SpendLimits,
+    )
+    from cloud.chv.sentinel import ApprovalQueue
+except ImportError:
+    sys.path.insert(0, str(Path(__file__).resolve().parents[2]))
+    from cloud.chv.approval_channel import (
+        ApprovalRequest,
+        make_answer,
+        request_approval,
+    )
+    from cloud.chv.checkout_detect import CheckoutVerdict
+    from cloud.chv.payments import (
+        PaymentAudit,
+        PaymentCredentialVault,
+        PaymentGate,
+        PurchaseDetails,
+        SimulatedWalletBackend,
+        SpendLimits,
+    )
+    from cloud.chv.sentinel import ApprovalQueue
+
+_NOW = 1_700_000_000.0
+_SECRET = "chan-secret"
+
+
+class _Clock:
+    """可推进的假时钟（测过期用）。"""
+
+    def __init__(self, now: float = _NOW) -> None:
+        self.now = now
+
+    def __call__(self) -> float:
+        return self.now
+
+    def advance(self, seconds: float) -> None:
+        self.now += seconds
+
+
+def _details(amount: int = 5000,
+             merchant: str = "Example Store") -> PurchaseDetails:
+    return PurchaseDetails(
+        merchant=merchant, merchant_host="shop.example.com",
+        items=(("Widget", 2, 2500),), amount_minor=amount,
+        currency="USD", wallet_provider="stripe-link")
+
+
+def _checkout() -> CheckoutVerdict:
+    return CheckoutVerdict(True, "high", ["checkout_url"], "payment",
+                           "$50.00")
+
+
+def _not_checkout() -> CheckoutVerdict:
+    return CheckoutVerdict(False, "low", ["cart_url"], None, None)
+
+
+def _answer_for(payload: dict, verdict: str, secret: str = _SECRET):
+    """按 payload 重建等价请求对象并签发答复（expires_at
+    按默认 900 秒 TTL 反推，nonce 与 pending_id 取自 payload）。"""
+    req = ApprovalRequest(
+        payload["pending_id"], payload["target"],
+        payload["reasons"], nonce=payload["nonce"],
+        now=payload["expires_at"] - 900)
+    return make_answer(req, verdict, secret)
+
+
+class GateTest(unittest.TestCase):
+    def setUp(self) -> None:
+        self.clock = _Clock()
+        self.queue = ApprovalQueue(clock=self.clock)
+        self.wallet = SimulatedWalletBackend(clock=self.clock)
+        self.vault = PaymentCredentialVault(clock=self.clock)
+        self.audit = PaymentAudit(clock=self.clock)
+        self.gate = PaymentGate(
+            self.queue, self.wallet, self.vault, _SECRET,
+            clock=self.clock, audit=self.audit)
+
+    def _begin(self, details: PurchaseDetails | None = None,
+               limits: SpendLimits | None = None) -> dict:
+        return self.gate.begin_purchase(
+            details or _details(), _checkout(), limits=limits,
+            now=self.clock.now)
+
+    def test_begin_ok_payload_has_exact_details(self) -> None:
+        result = self._begin()
+        self.assertTrue(result["ok"])
+        self.assertEqual(result["route"], "wallet")
+        self.assertEqual(result["provider"], "stripe-link")
+        payload = result["payload"]
+        details = payload["details"]
+        self.assertEqual(details["merchant"], "Example Store")
+        self.assertEqual(details["amount_minor"], 5000)
+        self.assertEqual(details["currency"], "USD")
+        self.assertEqual(details["items"][0]["name"], "Widget")
+        self.assertEqual(details["items"][0]["qty"], 2)
+        self.assertEqual(len(self.queue.list_pending()), 1)
+        self.assertIn(result["pending_id"], self.gate.pending_ids())
+
+    def test_begin_not_checkout_refused(self) -> None:
+        result = self.gate.begin_purchase(
+            _details(), _not_checkout(), now=self.clock.now)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "not_checkout")
+        self.assertEqual(self.queue.list_pending(), [])
+
+    def test_begin_no_wallet_route_refused(self) -> None:
+        wallet = SimulatedWalletBackend(providers=(), clock=self.clock)
+        gate = PaymentGate(self.queue, wallet, self.vault, _SECRET,
+                           clock=self.clock, audit=self.audit)
+        result = gate.begin_purchase(_details(), _checkout(),
+                                     now=self.clock.now)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "no_wallet_route")
+
+    def test_begin_saved_credential_route(self) -> None:
+        self.vault.store("shop-pay", "pm_saved", "MC ....5555",
+                         "shop.example.com")
+        result = self._begin()
+        self.assertTrue(result["ok"])
+        self.assertEqual(result["route"], "saved")
+        self.assertEqual(result["provider"], "shop-pay")
+
+    def test_begin_over_limit_refused_before_approval(self) -> None:
+        limits = SpendLimits(per_purchase_minor=4999)
+        result = self._begin(limits=limits)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "over_per_purchase_limit")
+        self.assertEqual(self.queue.list_pending(), [])
+
+    def test_begin_limits_unavailable_still_approves(self) -> None:
+        result = self._begin(limits=SpendLimits())
+        self.assertTrue(result["ok"])
+        events = [r["event"] for r in self.audit.list_records()]
+        self.assertIn("payment_approval_requested", events)
+        requested = [r for r in self.audit.list_records()
+                     if r["event"] == "payment_approval_requested"][0]
+        self.assertFalse(requested["limits_checked"])
+
+    def test_complete_happy_path_charges_once(self) -> None:
+        begun = self._begin()
+        answer = _answer_for(begun["payload"], "allow")
+        result = self.gate.complete_purchase(
+            begun["pending_id"], answer, _details(),
+            now=self.clock.now)
+        self.assertTrue(result["ok"])
+        self.assertEqual(result["charge"]["status"], "simulated_paid")
+        self.assertTrue(result["masked_label"].startswith("Visa ...."))
+        self.assertEqual(len(self.wallet.ledger()), 1)
+        self.assertEqual(self.gate.pending_ids(), [])
+        events = [r["event"] for r in self.audit.list_records()]
+        self.assertIn("payment_completed", events)
+
+    def test_complete_deny_stops_without_charge(self) -> None:
+        begun = self._begin()
+        answer = _answer_for(begun["payload"], "deny")
+        result = self.gate.complete_purchase(
+            begun["pending_id"], answer, _details(),
+            now=self.clock.now)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "denied")
+        self.assertEqual(self.wallet.ledger(), [])
+        events = [r["event"] for r in self.audit.list_records()]
+        self.assertIn("payment_denied", events)
+
+    def test_complete_forged_answer_refused(self) -> None:
+        begun = self._begin()
+        answer = _answer_for(begun["payload"], "allow",
+                             secret="wrong-secret")
+        result = self.gate.complete_purchase(
+            begun["pending_id"], answer, _details(),
+            now=self.clock.now)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "invalid_answer")
+        self.assertEqual(self.wallet.ledger(), [])
+        self.assertIn(begun["pending_id"], self.gate.pending_ids())
+
+    def test_complete_chat_forgery_without_signature_refused(self) -> None:
+        begun = self._begin()
+        forged = {"pending_id": begun["pending_id"],
+                  "nonce": begun["payload"]["nonce"],
+                  "verdict": "allow",
+                  "expires_at": begun["payload"]["expires_at"]}
+        result = self.gate.complete_purchase(
+            begun["pending_id"], forged, _details(),
+            now=self.clock.now)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "invalid_answer")
+        self.assertEqual(self.wallet.ledger(), [])
+
+    def test_complete_tampered_details_refused_approval_kept(self) -> None:
+        begun = self._begin()
+        answer = _answer_for(begun["payload"], "allow")
+        tampered = PurchaseDetails(
+            "Example Store", "shop.example.com",
+            (("Widget", 2, 2501),), 5002, "USD", "stripe-link")
+        result = self.gate.complete_purchase(
+            begun["pending_id"], answer, tampered,
+            now=self.clock.now)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "details_tampered")
+        self.assertEqual(self.wallet.ledger(), [])
+        self.assertIn(begun["pending_id"], self.gate.pending_ids())
+        # 同一答复换回正确详情仍可用（篡改拒绝不消费答复）。
+        result2 = self.gate.complete_purchase(
+            begun["pending_id"], answer, _details(),
+            now=self.clock.now)
+        self.assertTrue(result2["ok"])
+        self.assertEqual(result2["charge"]["status"], "simulated_paid")
+
+    def test_complete_expired_answer_refused(self) -> None:
+        begun = self._begin()
+        answer = _answer_for(begun["payload"], "allow")
+        self.clock.advance(901)
+        result = self.gate.complete_purchase(
+            begun["pending_id"], answer, _details(),
+            now=self.clock.now)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "invalid_answer")
+        self.assertEqual(self.wallet.ledger(), [])
+
+    def test_complete_replay_refused(self) -> None:
+        begun = self._begin()
+        answer = _answer_for(begun["payload"], "allow")
+        first = self.gate.complete_purchase(
+            begun["pending_id"], answer, _details(),
+            now=self.clock.now)
+        self.assertTrue(first["ok"])
+        second = self.gate.complete_purchase(
+            begun["pending_id"], answer, _details(),
+            now=self.clock.now)
+        self.assertFalse(second["ok"])
+        self.assertEqual(second["reason"], "unknown_pending")
+        self.assertEqual(len(self.wallet.ledger()), 1)
+
+    def test_complete_unknown_pending_refused(self) -> None:
+        begun = self._begin()
+        answer = _answer_for(begun["payload"], "allow")
+        result = self.gate.complete_purchase(
+            "pending_nope", answer, _details(), now=self.clock.now)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "unknown_pending")
+
+    def test_cancel_pending_then_complete_fails(self) -> None:
+        begun = self._begin()
+        cancelled = self.gate.cancel_purchase(
+            begun["pending_id"], now=self.clock.now)
+        self.assertTrue(cancelled["ok"])
+        answer = _answer_for(begun["payload"], "allow")
+        result = self.gate.complete_purchase(
+            begun["pending_id"], answer, _details(),
+            now=self.clock.now)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "unknown_pending")
+        events = [r["event"] for r in self.audit.list_records()]
+        self.assertIn("payment_cancelled", events)
+
+    def test_cancel_unknown_pending_refused(self) -> None:
+        result = self.gate.cancel_purchase("pending_nope",
+                                           now=self.clock.now)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "unknown_pending")
+
+    def test_charge_failure_voids_card_no_retry(self) -> None:
+        begun = self._begin()
+        self.wallet.fail_next_charge = True
+        answer = _answer_for(begun["payload"], "allow")
+        result = self.gate.complete_purchase(
+            begun["pending_id"], answer, _details(),
+            now=self.clock.now)
+        self.assertFalse(result["ok"])
+        self.assertEqual(result["reason"], "wallet_declined")
+        ledger = self.wallet.ledger()
+        self.assertEqual(len(ledger), 1)
+        self.assertEqual(ledger[0]["status"], "simulated_failed")
+
+    def test_audit_never_contains_card_numbers(self) -> None:
+        begun = self._begin()
+        answer = _answer_for(begun["payload"], "allow")
+        self.gate.complete_purchase(
+            begun["pending_id"], answer, _details(),
+            now=self.clock.now)
+        blob = str(self.audit.list_records())
+        self.assertNotIn("400000000000", blob)
+        self.assertNotIn("4242424242424242", blob)
+
+
+class ApprovalChannelDetailsTest(unittest.TestCase):
+    def test_payload_without_details_unchanged_from_p5(self) -> None:
+        queue = ApprovalQueue(clock=_Clock())
+        record = {"pending_id": "p1",
+                  "connector": "payment", "method": "purchase",
+                  "scheme": "https", "host": "shop.example.com",
+                  "port": 443, "path": "/checkout",
+                  "reasons": ["payment_approval"]}
+        req = request_approval(record, _SECRET, now=_NOW)
+        self.assertNotIn("details", req.payload())
+        self.assertEqual(req.payload()["target"]["host"],
+                         "shop.example.com")
+
+    def test_payload_with_details_carries_exact_purchase(self) -> None:
+        queue = ApprovalQueue(clock=_Clock())
+        record = {"pending_id": "p2",
+                  "connector": "payment", "method": "purchase",
+                  "scheme": "https", "host": "shop.example.com",
+                  "port": 443, "path": "/checkout",
+                  "reasons": ["payment_approval"]}
+        req = request_approval(record, _SECRET, now=_NOW,
+                               details=_details().describe())
+        payload = req.payload()
+        self.assertEqual(payload["details"]["amount_minor"], 5000)
+        self.assertEqual(payload["details"]["merchant"],
+                         "Example Store")
+        self.assertNotIn("card_number", str(payload))
+
+
+if __name__ == "__main__":
+    unittest.main()

cloud/tests/test_chv_muse_p10_payments.py

@@ -0,0 +1,403 @@
+"""对齐 Muse P10 支付单元测试：凭证保险库、一次性卡号、
+购买详情摘要、限额、审计、沙箱钱包。
+
+只用标准库与假时钟，绝不启动真实 VM、不联网、不产生真实
+扣款。覆盖：
+- 凭证隔离（PAN 拒绝入库、未知提供方拒绝、按次释放绑定、
+  单次兑现、过期、忘记作废、repr 无凭证值）；
+- 一次性卡号（换商家/超额/换货币/过期/复用一律拒）；
+- 购买详情（自洽校验、摘要防篡改）；
+- 限额（三档、边界、限额不可用时不编造上限）；
+- 审计（秘密字段名丢弃 + redacted）；
+- 沙箱钱包（铸卡、记账、失败 void、账本无卡号）。
+"""
+
+import sys
+import unittest
+from pathlib import Path
+
+try:
+    from cloud.chv.payments import (
+        OneTimeCard,
+        PaymentAudit,
+        PaymentCredentialVault,
+        PaymentRefusal,
+        PurchaseDetails,
+        SimulatedWalletBackend,
+        SpendLimits,
+        luhn_valid,
+    )
+except ImportError:
+    sys.path.insert(0, str(Path(__file__).resolve().parents[2]))
+    from cloud.chv.payments import (
+        OneTimeCard,
+        PaymentAudit,
+        PaymentCredentialVault,
+        PaymentRefusal,
+        PurchaseDetails,
+        SimulatedWalletBackend,
+        SpendLimits,
+        luhn_valid,
+    )
+
+_NOW = 1_700_000_000.0
+_TEST_PAN = "4242424242424242"  # Luhn 有效的测试卡号，永不真扣款
+
+
+class _Clock:
+    """可推进的假时钟（测过期用）。"""
+
+    def __init__(self, now: float = _NOW) -> None:
+        self.now = now
+
+    def __call__(self) -> float:
+        return self.now
+
+    def advance(self, seconds: float) -> None:
+        self.now += seconds
+
+
+def _details(amount: int = 5000) -> PurchaseDetails:
+    return PurchaseDetails(
+        merchant="Example Store", merchant_host="shop.example.com",
+        items=(("Widget", 2, 2500),), amount_minor=amount,
+        currency="USD", wallet_provider="stripe-link")
+
+
+class LuhnTest(unittest.TestCase):
+    def test_valid_test_pan_passes_luhn(self) -> None:
+        self.assertTrue(luhn_valid(_TEST_PAN))
+
+    def test_short_or_bad_number_fails(self) -> None:
+        self.assertFalse(luhn_valid("123"))
+        self.assertFalse(luhn_valid("4242424242424241"))
+
+
+class VaultTest(unittest.TestCase):
+    def setUp(self) -> None:
+        self.clock = _Clock()
+        self.vault = PaymentCredentialVault(clock=self.clock)
+
+    def test_store_release_consume_roundtrip(self) -> None:
+        self.vault.store("stripe-link", "pm_abc", "Visa ....4242",
+                         "shop.example.com")
+        self.assertTrue(self.vault.has("stripe-link", "pm_abc"))
+        rel = self.vault.release("stripe-link", "pm_abc",
+                                 "shop.example.com", 5000, "USD")
+        method = self.vault.consume(rel.release_id)
+        self.assertEqual(method.method_id, "pm_abc")
+        self.assertEqual(method.masked_label, "Visa ....4242")
+
+    def test_raw_pan_as_method_id_refused(self) -> None:
+        with self.assertRaises(PaymentRefusal) as ctx:
+            self.vault.store("stripe-link", _TEST_PAN, "Visa ....4242")
+        self.assertEqual(ctx.exception.kind, "raw_pan_refused")
+
+    def test_raw_pan_as_label_refused(self) -> None:
+        with self.assertRaises(PaymentRefusal):
+            self.vault.store("stripe-link", "pm_abc", _TEST_PAN)
+
+    def test_unknown_provider_refused(self) -> None:
+        with self.assertRaises(PaymentRefusal) as ctx:
+            self.vault.store("sketchy-pay", "pm_abc", "Visa ....4242")
+        self.assertEqual(ctx.exception.kind, "unknown_provider")
+
+    def test_empty_method_id_refused(self) -> None:
+        with self.assertRaises(PaymentRefusal):
+            self.vault.store("stripe-link", "  ", "Visa ....4242")
+
+    def test_release_scope_mismatch_refused(self) -> None:
+        self.vault.store("stripe-link", "pm_abc", "Visa ....4242",
+                         "shop.example.com")
+        with self.assertRaises(PaymentRefusal) as ctx:
+            self.vault.release("stripe-link", "pm_abc",
+                               "evil.example.com", 5000, "USD")
+        self.assertEqual(ctx.exception.kind, "scope_mismatch")
+
+    def test_release_unknown_method_refused(self) -> None:
+        with self.assertRaises(PaymentRefusal):
+            self.vault.release("stripe-link", "pm_nope",
+                               "shop.example.com", 5000, "USD")
+
+    def test_release_bad_amount_refused(self) -> None:
+        self.vault.store("stripe-link", "pm_abc", "Visa ....4242")
+        with self.assertRaises(PaymentRefusal):
+            self.vault.release("stripe-link", "pm_abc",
+                               "shop.example.com", 0, "USD")
+
+    def test_consume_twice_second_fails(self) -> None:
+        self.vault.store("stripe-link", "pm_abc", "Visa ....4242")
+        rel = self.vault.release("stripe-link", "pm_abc",
+                                 "shop.example.com", 5000, "USD")
+        self.vault.consume(rel.release_id)
+        with self.assertRaises(PaymentRefusal) as ctx:
+            self.vault.consume(rel.release_id)
+        self.assertEqual(ctx.exception.kind, "release_unknown")
+
+    def test_consume_expired_release_fails(self) -> None:
+        self.vault.store("stripe-link", "pm_abc", "Visa ....4242")
+        rel = self.vault.release("stripe-link", "pm_abc",
+                                 "shop.example.com", 5000, "USD",
+                                 ttl_seconds=300)
+        self.clock.advance(301)
+        with self.assertRaises(PaymentRefusal) as ctx:
+            self.vault.consume(rel.release_id)
+        self.assertEqual(ctx.exception.kind, "release_expired")
+
+    def test_forget_removes_and_voids_releases(self) -> None:
+        self.vault.store("stripe-link", "pm_abc", "Visa ....4242")
+        rel = self.vault.release("stripe-link", "pm_abc",
+                                 "shop.example.com", 5000, "USD")
+        self.assertTrue(self.vault.forget("stripe-link", "pm_abc"))
+        self.assertFalse(self.vault.has("stripe-link", "pm_abc"))
+        with self.assertRaises(PaymentRefusal):
+            self.vault.consume(rel.release_id)
+        self.assertFalse(self.vault.forget("stripe-link", "pm_abc"))
+
+    def test_repr_contains_no_credential_value(self) -> None:
+        self.vault.store("stripe-link", "pm_abc", "Visa ....4242")
+        self.assertNotIn(_TEST_PAN, repr(self.vault))
+        self.assertNotIn("pm_abc", repr(self.vault))
+
+    def test_methods_for_merchant_scoped(self) -> None:
+        self.vault.store("stripe-link", "pm_a", "Visa ....4242",
+                         "shop.example.com")
+        self.vault.store("shop-pay", "pm_b", "MC ....5555",
+                         "other.example.com")
+        found = self.vault.methods_for_merchant("shop.example.com")
+        self.assertEqual([m.method_id for m in found], ["pm_a"])
+
+
+class OneTimeCardTest(unittest.TestCase):
+    def _card(self) -> OneTimeCard:
+        return OneTimeCard(
+            card_id="otc_test", merchant="Example Store",
+            amount_minor=5000, currency="USD",
+            expires_at=_NOW + 900, masked_label="Visa ....4242")
+
+    def test_authorize_ok_consumes_once(self) -> None:
+        card = self._card()
+        ok, reason = card.authorize("Example Store", 5000, "USD", _NOW)
+        self.assertTrue(ok)
+        self.assertEqual(reason, "ok")
+        ok2, reason2 = card.authorize("Example Store", 5000, "USD",
+                                      _NOW)
+        self.assertFalse(ok2)
+        self.assertEqual(reason2, "card_exhausted")
+
+    def test_partial_amount_ok(self) -> None:
+        card = self._card()
+        ok, _ = card.authorize("Example Store", 4999, "USD", _NOW)
+        self.assertTrue(ok)
+
+    def test_wrong_merchant_refused(self) -> None:
+        card = self._card()
+        ok, reason = card.authorize("Evil Store", 5000, "USD", _NOW)
+        self.assertFalse(ok)
+        self.assertEqual(reason, "wrong_merchant")
+
+    def test_amount_exceeded_refused(self) -> None:
+        card = self._card()
+        ok, reason = card.authorize("Example Store", 5001, "USD", _NOW)
+        self.assertFalse(ok)
+        self.assertEqual(reason, "amount_exceeded")
+
+    def test_wrong_currency_refused(self) -> None:
+        card = self._card()
+        ok, reason = card.authorize("Example Store", 5000, "EUR", _NOW)
+        self.assertFalse(ok)
+        self.assertEqual(reason, "wrong_currency")
+
+    def test_expired_refused(self) -> None:
+        card = self._card()
+        ok, reason = card.authorize("Example Store", 5000, "USD",
+                                    _NOW + 901)
+        self.assertFalse(ok)
+        self.assertEqual(reason, "card_expired")
+
+    def test_describe_and_repr_have_no_pan(self) -> None:
+        card = self._card()
+        self.assertNotIn(_TEST_PAN, str(card.describe()))
+        self.assertNotIn(_TEST_PAN, repr(card))
+
+
+class PurchaseDetailsTest(unittest.TestCase):
+    def test_validate_ok_and_total(self) -> None:
+        details = _details()
+        details.validate()
+        self.assertEqual(details.total_minor(), 5000)
+
+    def test_total_mismatch_rejected(self) -> None:
+        details = _details(amount=5001)
+        with self.assertRaises(ValueError):
+            details.validate()
+
+    def test_bad_currency_rejected(self) -> None:
+        details = PurchaseDetails(
+            "Example Store", "shop.example.com",
+            (("Widget", 1, 100),), 100, "US", "stripe-link")
+        with self.assertRaises(ValueError):
+            details.validate()
+
+    def test_empty_items_rejected(self) -> None:
+        details = PurchaseDetails(
+            "Example Store", "shop.example.com", (), 100, "USD",
+            "stripe-link")
+        with self.assertRaises(ValueError):
+            details.validate()
+
+    def test_unknown_provider_rejected(self) -> None:
+        details = PurchaseDetails(
+            "Example Store", "shop.example.com",
+            (("Widget", 1, 100),), 100, "USD", "sketchy-pay")
+        with self.assertRaises(ValueError):
+            details.validate()
+
+    def test_digest_stable_and_tamper_sensitive(self) -> None:
+        first = _details().digest()
+        self.assertEqual(first, _details().digest())
+        tampered_price = PurchaseDetails(
+            "Example Store", "shop.example.com",
+            (("Widget", 2, 2501),), 5002, "USD", "stripe-link")
+        self.assertNotEqual(first, tampered_price.digest())
+        other_merchant = PurchaseDetails(
+            "Other Store", "shop.example.com",
+            (("Widget", 2, 2500),), 5000, "USD", "stripe-link")
+        self.assertNotEqual(first, other_merchant.digest())
+
+
+class SpendLimitsTest(unittest.TestCase):
+    def test_within_limits_ok(self) -> None:
+        limits = SpendLimits(per_purchase_minor=10000,
+                             daily_minor=20000,
+                             thirty_day_minor=100000,
+                             daily_spent_minor=5000)
+        ok, reason = limits.check(5000)
+        self.assertTrue(ok)
+        self.assertEqual(reason, "ok")
+
+    def test_over_per_purchase_limit(self) -> None:
+        limits = SpendLimits(per_purchase_minor=4999)
+        ok, reason = limits.check(5000)
+        self.assertFalse(ok)
+        self.assertEqual(reason, "over_per_purchase_limit")
+
+    def test_over_daily_limit(self) -> None:
+        limits = SpendLimits(daily_minor=9000, daily_spent_minor=5000)
+        ok, reason = limits.check(5000)
+        self.assertFalse(ok)
+        self.assertEqual(reason, "over_daily_limit")
+
+    def test_over_thirty_day_limit(self) -> None:
+        limits = SpendLimits(thirty_day_minor=9000,
+                             thirty_day_spent_minor=5000)
+        ok, reason = limits.check(5000)
+        self.assertFalse(ok)
+        self.assertEqual(reason, "over_thirty_day_limit")
+
+    def test_exact_limit_boundary_ok(self) -> None:
+        limits = SpendLimits(per_purchase_minor=5000)
+        ok, _ = limits.check(5000)
+        self.assertTrue(ok)
+
+    def test_limits_unavailable_never_invents_cap(self) -> None:
+        limits = SpendLimits()
+        ok, reason = limits.check(10_000_000)
+        self.assertTrue(ok)
+        self.assertEqual(reason, "limits_unavailable")
+
+
+class PaymentAuditTest(unittest.TestCase):
+    def test_record_keeps_allowed_fields(self) -> None:
+        audit = PaymentAudit(clock=_Clock())
+        rec = audit.record("payment_completed",
+                           {"merchant": "Example Store",
+                            "amount_minor": 5000,
+                            "masked_label": "Visa ....4242",
+                            "pending_id": "abc123"})
+        self.assertEqual(rec["event"], "payment_completed")
+        self.assertEqual(rec["amount_minor"], 5000)
+        self.assertEqual(rec["masked_label"], "Visa ....4242")
+
+    def test_secret_field_names_dropped_and_flagged(self) -> None:
+        audit = PaymentAudit(clock=_Clock())
+        rec = audit.record("payment_completed",
+                           {"merchant": "Example Store",
+                            "card_number": _TEST_PAN,
+                            "token": "tok_secret",
+                            "amount_minor": 5000})
+        self.assertNotIn("card_number", rec)
+        self.assertNotIn("token", rec)
+        self.assertTrue(rec["redacted"])
+        self.assertNotIn(_TEST_PAN, str(rec))
+
+    def test_unknown_fields_dropped_silently(self) -> None:
+        audit = PaymentAudit(clock=_Clock())
+        rec = audit.record("payment_completed",
+                           {"merchant": "Example Store",
+                            "buyer_email": "a@example.com"})
+        self.assertNotIn("buyer_email", rec)
+        self.assertEqual(len(audit.list_records()), 1)
+
+
+class SimulatedWalletTest(unittest.TestCase):
+    def setUp(self) -> None:
+        self.clock = _Clock()
+        self.wallet = SimulatedWalletBackend(clock=self.clock)
+
+    def test_supports_known_providers_only(self) -> None:
+        self.assertTrue(self.wallet.supports("stripe-link"))
+        self.assertTrue(self.wallet.supports("shop-pay"))
+        self.assertFalse(self.wallet.supports("sketchy-pay"))
+
+    def test_mint_and_charge_roundtrip(self) -> None:
+        card = self.wallet.mint_card(_details(), now=_NOW)
+        self.assertTrue(card.masked_label.startswith("Visa ...."))
+        result = self.wallet.charge(card, _details(), now=_NOW)
+        self.assertEqual(result["status"], "simulated_paid")
+        self.assertEqual(result["amount_minor"], 5000)
+        self.assertEqual(len(self.wallet.ledger()), 1)
+
+    def test_no_pan_leaks_into_ledger_or_repr(self) -> None:
+        card = self.wallet.mint_card(_details(), now=_NOW)
+        self.wallet.charge(card, _details(), now=_NOW)
+        blob = str(self.wallet.ledger()) + repr(self.wallet)
+        self.assertNotIn("400000000000", blob)
+
+    def test_charge_wrong_merchant_refused(self) -> None:
+        card = self.wallet.mint_card(_details(), now=_NOW)
+        other = PurchaseDetails(
+            "Other Store", "shop.example.com",
+            (("Widget", 2, 2500),), 5000, "USD", "stripe-link")
+        result = self.wallet.charge(card, other, now=_NOW)
+        self.assertEqual(result["status"], "refused")
+        self.assertEqual(result["reason"], "wrong_merchant")
+
+    def test_fail_next_charge_voids_card(self) -> None:
+        card = self.wallet.mint_card(_details(), now=_NOW)
+        self.wallet.fail_next_charge = True
+        result = self.wallet.charge(card, _details(), now=_NOW)
+        self.assertEqual(result["status"], "simulated_failed")
+        self.assertEqual(result["reason"], "wallet_declined")
+        ok, reason = card.authorize("Example Store", 5000, "USD",
+                                    _NOW)
+        self.assertFalse(ok)
+        self.assertEqual(reason, "card_exhausted")
+
+    def test_void_card_unknown_and_twice(self) -> None:
+        self.assertFalse(self.wallet.void_card("otc_nope"))
+        card = self.wallet.mint_card(_details(), now=_NOW)
+        self.assertTrue(self.wallet.void_card(card.card_id))
+        self.assertFalse(self.wallet.void_card(card.card_id))
+
+    def test_add_and_list_methods(self) -> None:
+        self.wallet.add_method("stripe-link", "pm_abc",
+                               "Visa ....4242", "shop.example.com")
+        methods = self.wallet.list_methods("shop.example.com")
+        self.assertEqual(len(methods), 1)
+        self.assertEqual(methods[0]["method_id"], "pm_abc")
+        self.assertNotIn(_TEST_PAN, str(methods))
+
+
+if __name__ == "__main__":
+    unittest.main()

docs/chv-muse-p10-gap.md

@@ -0,0 +1,122 @@
+# 对齐 Muse P10 差距表：支付安全（凭证隔离 + 结账检测 + 每次购买人工审批 + 一次性卡号）
+
+依据：`~/workspace/research_notes/meta-muse-ai-architecture-20261101-0755/report.md`
+（官方以 Meta security.muse.ai 2026-09-08 为准；第三方转述要标注
+来源性质，不得把转述写成官方承诺）。Muse 官方支付安全要求
+（报告 §3.3，）：购物是最常见浏览器用例之一，Meta 对此
+格外谨慎——已保存支付凭证的网站，浏览器内置结账页检测，每次都
+弹出人工审批并展示确切购买详情；未购物过的网站，Muse 内置合规
+钱包，首发合作 Stripe Link，Shop Pay 即将来临；支付时发行一次性
+卡号给商家，而非真实卡号；该凭证绑定特定商家、特定金额、有限
+有效期，即使经提示注入被盗也“不太有用”；Muse 是首个被 Link 购买
+保障覆盖的 AI 代理（损坏/丢失商品免费保障、降价保障、免费退货、
+符合条件购买的退货保证——保障条款以 Link 官方为准，本轨不编
+细节、不实现理赔流程）。
+
+连接器文档补充（wallet tools 的实际口径，见
+`/opt/hatch/connectors/stripe-link/CONNECTOR.md`、
+`shop-pay/CONNECTOR.md`、`shopify-ucp/CONNECTOR.md`）：
+Link 在一次购买获批后注资一张一次性虚拟卡，商家永远收不到真实
+卡号；Shop Pay 原生路由用一次性 token、卡片路由在审批后才由浏览
+器填卡字段；每次购买走独立 browser task 与独立审批；审批被拒即
+停止、不扣款；结果未知时不重试、不换卡、不换路；取消待支付会
+void 虚拟卡；已完成扣款无钱包退款、走商家退款流程；直接结账须
+先查限额（每笔/每日/30 天，minor units、无货币、不换算），限额
+不可用时不编造上限；step-up 未完成时 Link 要求用户先验证身份；
+子代理、群聊、定时任务没有 wallet tools，不能替用户设 Link 或选
+支付方式。**本轨的结论：钱包能力在主应用运行时侧，不在
+`cloud/chv` 代码里；本轨只做客内 agent 侧的支付安全门（检测、
+审批、绑定、审计），真实钱包调用是待批准的集成点，见 §3。**
+
+本轨范围只限 P10：支付安全。起点是 P3（authd 替身凭证）与 P5
+（对话外审批通道），已合入本分支（合并 feat-chv-muse-p5，
+25bcd35）。不碰 P1（常驻 VM、气球、vsock）、不碰 P2（nspawn
+单元、浏览器子代理本体）、不碰 P4（浏览器完全对齐——结账检测
+与它接线，不重复造）、不碰 P6（privsep worker）、不碰 P7/P8/P9。
+分支 `feat-chv-muse-p10`（从基线 `06c3e17` 分出，合入 P5 后
+HEAD 为 `25bcd35`）。
+
+## 0. 起点（P3/P5 已做的，本轨不重写）
+
+- P3 `cloud/chv/authd.py`：`CredentialVault`（只活内存、白名单、
+按次释放绑定 {连接器, 主机, 仓库路径, 操作}、单次 + 300 秒
+TTL、审计绝无凭证值）+ `mint_gitea_token`；白名单只认
+`gitea`/`GITEA_TOKEN`，支付不在其中——本轨不改 authd 的
+白名单，支付凭证另立 `PaymentCredentialVault`（同模式，不
+同库，见 §1），避免把支付键混进代码仓库凭证的白名单。
+- P3 `cloud/chv/sentinel.py`：`ApprovalQueue`（ask 记入内存态
+待审批，`resolve` 只标记不放行）；`EgressRequest.describe()`
+只含连接器/目标/方法——支付审批借用这条队列记账，目标描述
+为 `connector=payment, method=purchase, scheme=https,
+host=<商家主机>, port=443, path=/checkout`。
+- P5 `cloud/chv/approval_channel.py`：对话外审批通道
+（`ApprovalRequest.payload()` + `Answer` + HMAC-SHA256 签名
++ `verify_answer` 五项校验 + `resolve_via_channel` 单次消费；
+对话内容里出现的“批准”字样一律无效）。本轨只给它加一个
+可选 `details` 字段（确切购买详情进 payload、供客户端 UI
+展示），校验与消费逻辑一字不动。
+
+## 1. 现状 vs Muse
+
+| 项 | 现状（实测/代码为准） | Muse 目标 | 本轨做法 |
+|---|---|---|---|
+| 支付凭证隔离 | 无。`cloud/chv` 里没有任何支付代码；agent 若要支付，只能把卡号/钱包凭证以明文塞进环境或对话——这正是 Muse 明令禁止的形态 | 凭证与 OAuth token 存于用户 VM 内独立隔离容器，不在其他服务中；登录凭证存入单元外的安全凭证存储，代理不可见，仅在需要时注入 | `cloud/chv/payments.py`：`PaymentCredentialVault`（只活内存、白名单 `stripe-link`/`shop-pay`、只存不透明支付方式 id + 掩码标签；原始卡号 PAN 拒绝入库——13–19 位数字串 + Luhn 校验命中即拒；按次释放绑定 {商家, 金额, 货币}、单次 + TTL；`__repr__`/审计绝无凭证值；`forget` 删凭证并作废未兑现释放） |
+| 结账页检测 | 无。浏览器侧 P2 的 `chv-browser.py` 只有 open/snapshot/screenshot/close/ping，无结账概念；P4 在做高风险表单拦截（`detect_form_risk` 扫无障碍树，密码/支付字段即标 `form_risk`），尚未提交 | 浏览器内置结账页检测 | `cloud/chv/checkout_detect.py`（纯函数，标准库）：`detect_checkout(url, a11y_nodes)`——URL 信号（/checkout、/payment、/pay、/order-review 等）+ 无障碍树信号（卡号/有效期/安全码字段、“下单/支付”按钮、金额文本）；返回 `is_checkout`/`confidence`/`reasons`/`form_risk`/`amount_text`；确定性规则，不冒充模型分类器；只读 a11y 节点，绝不读原始 DOM；与 P4 的 `detect_form_risk` 同输入形状，P4 的 broker 在高风险表单提交前调本检测（接线点见 §4，P4 未提交前先留接口 + 测试） |
+| 每次购买人工审批 | 无。没有任何“购买前停下”的机制 | 已保存支付凭证的网站，每次都弹出人工审批并展示确切购买详情 | `PaymentGate.begin_purchase`：结账检测未命中即拒；路由（见下行）；限额检查（见下行）；经 P5 通道发审批，payload 的 `details` 含确切购买详情（商家、商品、数量、金额、货币、钱包提供方）；审批只走通道答复，对话内“批准”无效；`complete_purchase` 先验签（`verify_answer`，不消费）、再验购买详情摘要（`PurchaseDetails.digest()`，篡改即拒且审批保持待处理）、最后 `resolve_via_channel` 单次消费；审批被拒即停止，不扣款 |
+| 一次性卡号 | 无 | 支付时发行一次性卡号给商家而非真实卡号；绑定特定商家、特定金额、有限有效期；被盗也“不太有用” | `OneTimeCard`（绑定 {商家, 金额, 货币, 有效期}，单次兑现；换商家/超额/过期/复用一律拒 + 审计）；`SimulatedWalletBackend`（沙箱钱包：假 PAN 只在后端私有内存里，调用方只见掩码标签与 card_id；`charge` 只记账不联网；取消即 void）；真实一次性虚拟卡由 Link 在其侧发行（连接器文档原文），本轨的卡是绑定与兑现校验的等价模型，不是发卡行——见 §3 |
+| 钱包路由 | 无。连接器文档有 stripe-link / shop-pay / shopify-ucp 三条路由，但 `cloud/chv` 里无路由逻辑 | 未购物过的网站走内置合规钱包，首发 Stripe Link，Shop Pay 即将来临 | `PaymentGate` 路由：商家有已保存凭证 → 已保存凭证路由；无 → 合规钱包路由，stripe-link 优先、shop-pay 次之；两家都不支持 → 拒绝（`no_wallet_route`），不编造路由。**来源时间差**：报告写于 2026-11-01 时 Shop Pay 是“即将来临”，连接器文档（当前）显示 Shop Pay 已可用；本轨按连接器文档现状写优先级，并在此标注时间差 |
+| 限额 | 无 | （连接器文档）直接结账须先查限额：每笔/每日/30 天，minor units、无货币、不换算；限额不可用时不编造上限 | `SpendLimits.check(amount_minor)`：三档逐项比 minor units；超任一档即拒（`over_limit`，审批前就拒）；三档全为 None（不可用）→ 通过但记 `limits_checked=False`，绝不编造上限 |
+| 支付审计 | 无 | 审计轨迹展示已做与计划做的事 | `PaymentAudit.record`：事件（`payment_approval_requested` / `payment_approved` / `payment_denied` / `payment_completed` / `payment_refused` / `payment_cancelled` / `payment_card_voided`）+ 允许字段（商家、金额、货币、掩码标签、pending_id、原因）；字段名命中 `card_number/pan/cvv/token/secret/password` 一律丢弃并标 `redacted=True`；卡号与凭证值绝不进审计 |
+
+## 2. 改了什么（本轨交付物）
+
+- `cloud/chv/checkout_detect.py`（新，标准库）：`CheckoutVerdict` + `detect_checkout(url, a11y_nodes)`（URL 信号 + 无障碍树信号 + 金额文本抽取；支付字段即 `form_risk=payment`、密码字段即 `form_risk=password`；页面文本只作展示信号，扣款金额永远以 `PurchaseDetails` 为准——页面文本是不受信任输入，见 P6 口径）。
+- `cloud/chv/payments.py`（新，标准库）：`PaymentCredentialVault` + `PaymentRelease` + `OneTimeCard` + `SimulatedWalletBackend` + `PurchaseDetails`（`digest()` 防篡改）+ `SpendLimits` + `PaymentAudit` + `PaymentGate`（编排：检测 → 路由 → 限额 → 审批 → 铸卡 → 兑现校验 → 记账 → 审计）。
+- 接线（`cloud/chv/approval_channel.py`，最小扩展）：`ApprovalRequest` 增加可选 `details` 字段，`payload()` 有 details 时才带上；`request_approval` 增加可选 `details` 参数；`verify_answer`/`resolve_via_channel` 一字不动；P5 既有测试不受影响。
+- `cloud/tests/test_chv_muse_p10_checkout.py`、`test_chv_muse_p10_payments.py`、`test_chv_muse_p10_gate.py`（新测试，含否定测试：无审批不支付、审批详情被篡改即拒、一次性卡号换商家/超额/过期/复用被拒、原始卡号拒绝入库、凭证泄露面为零、对话内伪造批准无效、答复重放无效、超限额审批前即拒、限额不可用时不编造上限、取消即 void 卡）。
+
+## 3. 诚实边界（本轮不宣称的东西）
+
+1. **真实支付不做，零真实扣款**：全部用沙箱/模拟钱包与假卡号
+（Stripe 测试卡号段 `400000000000xxxx`）验证，不联网、不调
+任何真实钱包接口。真实 Link / Shop Pay 集成（wallet tools
+是主应用运行时能力，不在 `cloud/chv` 代码里）列为**待用户
+另行批准**的事项，本轨不产生任何真实扣款、不持有任何真实
+卡号。
+2. **一次性卡号的“发行”在本轨是模拟**：真实一次性虚拟卡由
+Link 在其侧发行（连接器文档原文：“Link funds a one-time
+virtual card”）；本轨的 `OneTimeCard` 是绑定（商家 + 金额
++ 货币 + 有效期）与兑现校验的等价模型，不是发卡行。不要把
+“模拟钱包铸了测试卡号”写成“已接通 Link 发卡”。
+3. **购买保障只作口径引用**：Link 购买保障（损坏/丢失、降价、
+免费退货、退货保证）的 eligibility 由 Link 判定、理赔走
+Link；本轨不实现理赔流程、不承诺任何一笔购买受保障，保障
+条款以 Link 官方页面为准。
+4. **结账检测是启发式，不是 100% 检出**：URL 特征 + 无障碍树
+特征；商户自定义结账页、单页应用内嵌结账可能漏检。漏检时
+的安全底线是：无审批的支付一律拒绝（`PaymentGate` 拒绝
+任何未经审批的扣款），不宣称“所有结账页都会被拦下”。
+5. **限额检查依赖钱包侧返回的限额**：限额不可用时不编造上限，
+只记 `limits_checked=False`；审批仍须过。不要把“限额未知”
+写成“限额已校验通过”。
+6. **钱包路由优先级按连接器文档现状**：报告（2026-11-01）写
+Shop Pay“即将来临”，连接器文档（当前）显示 Shop Pay 已可
+用；本轨按连接器文档现状写 stripe-link 优先、shop-pay 次之，
+并标注了这一时间差；若连接器文档滞后于实际，以实际钱包
+能力为准。
+
+## 4. 真机待验证清单（未做，排队在 round-11 与 P4～P9 之后）
+
+1. P4 的 broker 接线：高风险表单提交前调 `detect_checkout`，
+结账页命中时 `open` 导航返回 `ask` 并暂停（与 P4 差距表
+§4 的 `form_submit` ask 种类对齐）。
+2. 真实钱包集成（待用户另行批准）：wallet tools 的
+`list_payment_methods` / 审批单 / `approved_card` 回包与
+`PaymentGate` 的对接；`payment_method_changed`（用户在
+审批单里换卡）时详情摘要重算与重新审批。
+3. 真实商户结账页上的检测命中率抽查（Shopify / Stripe
+Checkout / 常见电商各一例），漏检样例记入回归。
+4. 限额读取：`wallet.get_user_info` 的三档限额与本轨
+`SpendLimits` 的对接；限额不可用时的表现。
+5. 取消与未知结果：取消待支付 void 虚拟卡；结果未知时不重试
+的端到端表现（须真实钱包侧配合）。