feat(desktop): 顶栏积分余额芯片 + 提交遇余额不足透出友好文案（P3 租户感知）

让计费对终端用户可见（守 desktop/admin 边界：只读自己租户，不碰 admin 配置）：
- TopBar 加积分余额芯片（Coins 图标）：常态显余额；硬拦截开+余额≤0 → 红「余额不足」；
  偏低 → 橙。tooltip 显租户名 + 是否拦截。api.tenantCurrent() 读 /tenants/current。
- App 登录后拉租户上下文，每 20s 轮询 + 运行结束即刷新（余额跟手）。
- submitTask 遇 402 解析后端 error 文案透出（如「租户积分余额不足，请充值后再试」），
  在运行面板报错处显示，用户知道为何被拦。

live 验证(preview)：芯片显示 公司A 余额 15.9 ✓；enforce 开+余额0 时 /tenants/current
标 enforce+余额0（芯片转「余额不足」）、提交 402 带友好文案 ✓；tsc + 48 测试全过。

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

sundynix-desktop/frontend/src/App.tsx

@@ -14,7 +14,7 @@ import { Placeholder } from "./views/Placeholder";
 import { CommandPalette, type Command } from "./components/CommandPalette";
 import { UpdateBanner } from "./components/UpdateBanner";
 import { Login } from "./views/Login";
-import { submitTask, streamTokens, streamExec, taskStatus, listRuns, authMe, logout, type Identity, type AuthUser } from "./lib/api";
+import { submitTask, streamTokens, streamExec, taskStatus, listRuns, authMe, logout, tenantCurrent, type Identity, type AuthUser, type TenantCtx } from "./lib/api";
 import type { TaskDsl } from "./lib/dsl";
 import { emptyRun, type RunState } from "./lib/run";
 import { ToastProvider } from "./ui";
@@ -41,6 +41,7 @@ const PLACEHOLDERS: Partial<Record<ViewKey, { title: string; desc: string }>> =
 export default function App() {
   const [view, setView] = useState<ViewKey>("home");
   const [user, setUser] = useState<AuthUser | null>(null);
+  const [tenant, setTenant] = useState<TenantCtx | null>(null);
   const [authLoading, setAuthLoading] = useState(true);
   const identity = useMemo<Identity>(() => ({ userId: user?.id ?? "", sessionId: getSessionId() }), [user]);
   const [run, setRun] = useState<RunState>(emptyRun);
@@ -82,8 +83,29 @@ export default function App() {
   const onLogout = useCallback(() => {
     logout();
     setUser(null);
+    setTenant(null);
   }, []);
 
+  // 租户上下文 + 积分余额：登录后拉取，并每 20s 轮询保持大致实时（顶栏余额芯片用）。
+  const refreshTenant = useCallback(() => {
+    tenantCurrent()
+      .then(setTenant)
+      .catch(() => {});
+  }, []);
+  useEffect(() => {
+    if (!user) {
+      setTenant(null);
+      return;
+    }
+    refreshTenant();
+    const t = window.setInterval(refreshTenant, 20000);
+    return () => window.clearInterval(t);
+  }, [user, refreshTenant]);
+  // 运行结束余额会被扣，立即刷新一次（比等轮询更跟手）。
+  useEffect(() => {
+    if (run.phase === "done") refreshTenant();
+  }, [run.phase, refreshTenant]);
+
   const commands = useMemo<Command[]>(() => {
     const go = (key: ViewKey) => () => setView(key);
     return [
@@ -216,7 +238,7 @@ export default function App() {
         style={{ background: "radial-gradient(60% 100% at 50% 0%, rgba(124,92,246,0.10), transparent 70%)" }}
       />
       <UpdateBanner />
-      <TopBar user={user} onLogout={onLogout} onCommand={() => setCmdOpen(true)} />
+      <TopBar user={user} tenant={tenant} onLogout={onLogout} onCommand={() => setCmdOpen(true)} />
       <ApprovalBar run={run} />
       <div className="relative flex min-h-0 flex-1">
         <LeftNav active={view} onSelect={setView} />

sundynix-desktop/frontend/src/lib/api.ts

@@ -104,11 +104,41 @@ export async function submitTask(dsl: TaskDsl, id: Identity): Promise<string> {
       body: JSON.stringify(dsl),
     }),
   );
-  if (!res.ok) throw new Error(`submit failed: ${res.status} ${await res.text()}`);
+  if (!res.ok) {
+    // 402=积分/预算不足等业务拒绝：透出后端的友好文案（如「租户积分余额不足，请充值后再试」）。
+    let msg = `submit failed: ${res.status}`;
+    try {
+      const d = (await res.json()) as { error?: string };
+      if (d.error) msg = d.error;
+    } catch {
+      /* 非 JSON 响应，保留状态码文案 */
+    }
+    throw new Error(msg);
+  }
   const data = (await res.json()) as { task_id: string };
   return data.task_id;
 }
 
+// ---- 租户上下文 + 积分余额（面向当前用户自己的租户；只读，不碰 admin 口径）----
+export interface TenantCtx {
+  tenant: { id: string; name: string; plan: string; status: string } | null;
+  role: string;
+  credit_balance_micro: number;
+  credit_enforce: boolean; // 平台是否开了余额硬拦截（开了且余额≤0 会拒绝提交）
+}
+
+export async function tenantCurrent(): Promise<TenantCtx | null> {
+  const res = guard401(await fetch(`${GATEWAY}/api/v1/tenants/current`, { headers: bearer() }));
+  if (!res.ok) return null;
+  const d = (await res.json()) as Partial<TenantCtx>;
+  return {
+    tenant: d.tenant ?? null,
+    role: d.role ?? "",
+    credit_balance_micro: d.credit_balance_micro ?? 0,
+    credit_enforce: !!d.credit_enforce,
+  };
+}
+
 // taskStatus: GET /api/v1/tasks/:id —— 任务生命周期状态（submitted/running/waiting/done/failed/timeout/rejected）。
 // 轮询它来可靠捕获 waiting（审批中断）—— 不依赖易抢跑的实时 exec 事件。
 export async function taskStatus(taskId: string): Promise<{ status: string; detail: string }> {

sundynix-desktop/frontend/src/shell/TopBar.tsx

@@ -1,6 +1,6 @@
 import type { CSSProperties } from "react";
-import { User, ChevronDown, Search as SearchIcon, LogOut, Sun, Moon } from "lucide-react";
-import type { AuthUser } from "../lib/api";
+import { User, ChevronDown, Search as SearchIcon, LogOut, Sun, Moon, Coins } from "lucide-react";
+import type { AuthUser, TenantCtx } from "../lib/api";
 import { useHealth } from "../lib/health";
 import { isMacDesktop } from "../lib/desktop";
 import { useTheme } from "../lib/theme";
@@ -20,8 +20,29 @@ function Light({ on, label }: { on: boolean; label: string }) {
   );
 }
 
-// 顶栏：品牌 · 垂直切换 · 健康灯 · 登录用户 + 登出（深色 + 毛玻璃）。
-export function TopBar({ user, onLogout, onCommand }: { user: AuthUser; onLogout: () => void; onCommand?: () => void }) {
+// 积分余额芯片：让用户在主产品里随时看到自己租户剩多少积分。
+// 硬拦截开启且余额≤0 → 红色「余额不足」；偏低 → 橙；否则常态。
+function CreditChip({ tenant }: { tenant: TenantCtx }) {
+  const credits = tenant.credit_balance_micro / 1_000_000;
+  const empty = tenant.credit_enforce && credits <= 0;
+  const low = !empty && credits > 0 && credits < 10;
+  const tone = empty ? "border-danger/50 text-danger" : low ? "border-warn/50 text-warn" : "border-line text-slate-300";
+  return (
+    <span
+      className={cn("flex items-center gap-1.5 rounded-md border bg-ink-800 px-2.5 py-1 text-xs", tone)}
+      title={
+        `租户 ${tenant.tenant?.name ?? ""} · 积分余额 ${credits.toLocaleString("zh-CN", { maximumFractionDigits: 2 })}` +
+        (tenant.credit_enforce ? "（余额≤0 将无法提交任务，请联系管理员充值）" : "（当前不拦截，仅计量）")
+      }
+    >
+      <Coins className="h-3.5 w-3.5 opacity-70" />
+      {empty ? "余额不足" : credits.toLocaleString("zh-CN", { maximumFractionDigits: credits < 100 ? 1 : 0 })}
+    </span>
+  );
+}
+
+// 顶栏：品牌 · 垂直切换 · 健康灯 · 积分余额 · 登录用户 + 登出（深色 + 毛玻璃）。
+export function TopBar({ user, tenant, onLogout, onCommand }: { user: AuthUser; tenant?: TenantCtx | null; onLogout: () => void; onCommand?: () => void }) {
   const h = useHealth();
   const { theme, toggle } = useTheme();
   return (
@@ -64,6 +85,7 @@ export function TopBar({ user, onLogout, onCommand }: { user: AuthUser; onLogout
         <Light on={h.neo4j} label="Neo4j" />
       </div>
       <div className="ml-auto flex items-center gap-2" style={NODRAG}>
+        {tenant?.tenant && <CreditChip tenant={tenant} />}
         <button
           onClick={toggle}
           className="flex items-center rounded-md border border-line bg-ink-800 px-2 py-1 text-slate-400 transition hover:border-ink-600 hover:text-slate-200"