feat(recharge): add points recharge agreement flow

- add new API request for fetching points top up agreement content
- update recharge footer with agreement checkbox and protocol link
- add agreement popup modal to display full agreement text
- add payment pre-validation to enforce agreement acceptance before payment
- handle loading and error states for agreement retrieval
- adjust recharge footer layout to accommodate new UI elements

src/pages-aigc/recharge/recharge.vue

@@ -32,9 +32,20 @@
       <RechargeFooter
         :price="payPrice"
         :loading="paying"
+        :agreed="agreementAccepted"
+        :agreement-ready="agreementReady"
+        @update:agreed="agreementAccepted = $event"
+        @view-agreement="handleViewAgreement"
         @pay="handlePay"
       />
     </view>
+
+    <AgreePopup
+      :visible="agreementVisible"
+      title="积分充值协议"
+      :agreement="agreementContent"
+      @close="agreementVisible = false"
+    />
   </view>
 </template>
 
@@ -43,7 +54,12 @@ import { computed, ref } from "vue";
 import { onLoad, onShow } from "@dcloudio/uni-app";
 import TopNavBar from "@/components/TopNavBar/index.vue";
 import { useCurrentCredit } from "@/pages-aigc/hooks/useCurrentCredit.js";
-import { getRechargeOptions, rechargeCredit } from "@/request/api/AigcApi.js";
+import {
+  getPointsTopUpAgreement,
+  getRechargeOptions,
+  rechargeCredit,
+} from "@/request/api/AigcApi.js";
+import AgreePopup from "@/pages/login/components/AgreePopup/index.vue";
 import BalanceCard from "./components/BalanceCard/index.vue";
 import CustomAmountCard from "./components/CustomAmountCard/index.vue";
 import RechargeFooter from "./components/RechargeFooter/index.vue";
@@ -55,6 +71,12 @@ const selectedRechargeOption = ref(null);
 const customAmount = ref("");
 const rechargeMode = ref("package");
 const paying = ref(false);
+const agreementAccepted = ref(false);
+const agreementContent = ref("");
+const agreementLoading = ref(false);
+const agreementVisible = ref(false);
+
+const agreementReady = computed(() => Boolean(agreementContent.value.trim()));
 
 const getRechargeOptionKey = (option) => {
   if (!option) return "";
@@ -97,8 +119,41 @@ const fetchRechargeOptions = async () => {
   }
 };
 
+const fetchPointsTopUpAgreement = async (showError = false) => {
+  if (agreementLoading.value) return false;
+
+  agreementLoading.value = true;
+  try {
+    const res = await getPointsTopUpAgreement();
+    const content = typeof res?.data === "string" ? res.data.trim() : "";
+    if (res?.code === 0 && content) {
+      agreementContent.value = content;
+      return true;
+    }
+
+    agreementContent.value = "";
+    agreementAccepted.value = false;
+    if (showError) {
+      showToast(res?.msg || "协议加载失败，请重试");
+    }
+  } catch (error) {
+    console.error("获取积分充值协议失败", error);
+    agreementContent.value = "";
+    agreementAccepted.value = false;
+    if (showError) {
+      showToast("协议加载失败，请重试");
+    }
+  } finally {
+    agreementLoading.value = false;
+  }
+
+  return false;
+};
+
 onLoad(() => {
+  agreementAccepted.value = false;
   fetchRechargeOptions();
+  fetchPointsTopUpAgreement();
 });
 
 onShow(() => {
@@ -129,6 +184,23 @@ const handleSelectCustomAmount = () => {
   selectedRechargeOption.value = null;
 };
 
+const handleViewAgreement = async () => {
+  if (agreementReady.value) {
+    agreementVisible.value = true;
+    return;
+  }
+
+  if (agreementLoading.value) {
+    showToast("协议加载中，请稍候");
+    return;
+  }
+
+  const loaded = await fetchPointsTopUpAgreement(true);
+  if (loaded) {
+    agreementVisible.value = true;
+  }
+};
+
 const requestWechatPay = (payData) => {
   const { nonceStr, packageVal, paySign, signType, timeStamp } = payData || {};
 
@@ -174,6 +246,21 @@ const handlePay = async () => {
     return;
   }
 
+  if (agreementLoading.value) {
+    showToast("协议加载中，请稍候");
+    return;
+  }
+
+  if (!agreementReady.value) {
+    showToast("协议加载失败，请重试");
+    return;
+  }
+
+  if (!agreementAccepted.value) {
+    showToast("请先阅读并同意积分充值协议");
+    return;
+  }
+
   paying.value = true;
   uni.showLoading({ title: "正在发起支付..." });