fix: 添加冷钱包表支持，修复充值功能

- 新增 cold_wallet 表结构及默认数据
- 补充 order_fund 表字段（wallet_id, wallet_address, pay_time, confirm_time, withdraw_contact）
- 创建数据库补丁脚本 sql/patch_cold_wallet.sql
- 创建充值功能测试脚本 test_deposit_api.sh
- 创建数据库检查脚本 check_database.sh
- 更新充值功能检查报告 check_cold_wallet.md

修复问题：充值功能因缺少冷钱包表而无法使用

check_database.sh

@@ -0,0 +1,45 @@
+#!/bin/bash
+# =============================================
+# 数据库检查脚本
+# =============================================
+
+DB_HOST="8.155.172.147"
+DB_PORT="3306"
+DB_NAME="monisuo"
+DB_USER="monisuo"
+DB_PASS="JPJ8wYicSGC8aRnk"
+
+echo "=========================================="
+echo "Monisuo 数据库检查"
+echo "=========================================="
+echo ""
+
+# 检查 cold_wallet 表是否存在
+echo "【1】检查 cold_wallet 表是否存在..."
+mysql -h$DB_HOST -P$DB_PORT -u$DB_USER -p$DB_PASS $DB_NAME -e "SHOW TABLES LIKE 'cold_wallet';" 2>/dev/null
+
+if [ $? -eq 0 ]; then
+  echo "✅ cold_wallet 表存在"
+  
+  echo ""
+  echo "【2】检查默认钱包地址..."
+  mysql -h$DB_HOST -P$DB_PORT -u$DB_USER -p$DB_PASS $DB_NAME -e "SELECT id, name, address, network, is_default, status FROM cold_wallet WHERE is_default=1 AND status=1;" 2>/dev/null
+  
+  echo ""
+  echo "【3】检查所有钱包..."
+  mysql -h$DB_HOST -P$DB_PORT -u$DB_USER -p$DB_PASS $DB_NAME -e "SELECT id, name, network, is_default, status FROM cold_wallet;" 2>/dev/null
+else
+  echo "❌ cold_wallet 表不存在，需要执行补丁脚本"
+  echo ""
+  echo "执行命令:"
+  echo "mysql -h$DB_HOST -P$DB_PORT -u$DB_USER -p$DB_PASS $DB_NAME < sql/patch_cold_wallet.sql"
+fi
+
+echo ""
+echo "【4】检查 order_fund 表结构..."
+mysql -h$DB_HOST -P$DB_PORT -u$DB_USER -p$DB_PASS $DB_NAME -e "DESC order_fund;" 2>/dev/null | grep -E "wallet|pay_time|confirm_time|withdraw_contact"
+
+echo ""
+echo "=========================================="
+echo "检查完成"
+echo "=========================================="