feat: add transaction logs and custom bank inputs

Adds configurable fees, transaction history, chat amount input, and v1.1.0 release documentation.

AGENTS.md

@@ -0,0 +1,48 @@
+# CraftBank — 项目约定
+
+适用于 **Folia 1.21.8** 的经济与银行核心插件（Java 21+，Gradle 构建）。
+
+## 仓库
+
+- 远端：私有仓库 `dmz7p4xmqh-coder/CraftBank`（默认分支 `main`）。
+- `gh` 与 `git` 已安装并登录，可直接用于推送与发行。
+
+## 每次改动后的固定流程
+
+完成任何代码改动后，**主动执行**以下步骤（无需等用户再次要求）：
+
+1. **构建验证**：运行 `./gradlew shadowJar`，确认编译通过并产出 `build/libs/CraftBank-<version>.jar`。
+2. **更新 README**：若改动影响功能、指令、权限、配置项或 PlaceholderAPI 变量，同步更新 `README.md`。
+3. **提交并推送**到 `main`。
+4. **发布 Release**：用 `gh release create` 创建新发行版，附上编译好的 jar。
+
+## 版本号约定（语义化版本）
+
+- 新功能 → 递增次版本号：`v1.x.0`
+- Bug 修复 → 递增修订号：`v1.0.x`
+- 不兼容的重大改动 → 递增主版本号：`v2.0.0`
+
+发行版 tag 与 `build.gradle.kts` 里的 `version`、`plugin.yml` 的版本需保持一致（`plugin.yml` 通过 `${version}` 占位符在构建时自动填充，改 `build.gradle.kts` 的 `version` 即可）。
+
+## 构建注意事项
+
+- 用当前 JDK（已验证 JDK 25）编译，通过 `--release 21` 产出 Java 21 字节码。
+- **不要**在 shadowJar 中启用包重定位（`relocate`）：当前 shadow 8.3.5 的字节码重映射器在新 JDK 产出的 `invokedynamic` class 上会崩溃。如确需重定位，改用 JDK 21 编译或升级 shadow 插件。
+- MySQL 驱动默认不打包；需要时在 `build.gradle.kts` 取消相应依赖注释。
+- 不要提交 `build/`、`.gradle/`、`.Codex/`（已在 `.gitignore` 中排除）。
+
+## 架构速览
+
+- 主类 `CraftBank`：初始化各子系统、注册 Vault（Highest）、封装 Folia 调度（`runAsync` / `runForPlayer` / `runGlobal`）。
+- `economy/`：`EconomyManager`（`ConcurrentHashMap` 缓存 + `synchronized` 账户）、`VaultEconomyProvider`（Vault 接口实现）。
+- `bank/BankManager`：活期复利结算、定期存款创建 / 锁定 / 到期结算。
+- `database/DatabaseManager`：SQLite/MySQL，定期领取用 `UPDATE ... WHERE claimed = 0` 原子置位防重复。
+- `items/`：银行卡与支票的 PDC 创建与防伪校验。
+- `commands/`、`listeners/`、`gui/`、`hooks/`：指令、事件、GUI、PlaceholderAPI。
+
+## Folia 线程纪律
+
+- 严禁 `Bukkit.getScheduler()`。
+- 数据库 / 排序 / 利息扫描等后台任务走 `AsyncScheduler`。
+- 操作玩家物品、开 GUI、发消息从异步切回时调度到 `player.getScheduler()`（实体区域线程）。
+- 经济数据操作必须线程安全（Vault 接口可能在其它插件的异步线程被调用）。

README.md

@@ -19,6 +19,9 @@ CraftBank 内置完善的「个人钱包 / 现金」系统，并引入深度模
 | 📜 **支票** | `/cheque <金额>` 具现化为可流通实体物品；右键兑现入钱包；PDC 防伪 + 防刷 |
 | 💰 **活期储蓄** | 存取自由，按真实时间戳逐日复利结算（含离线补偿，带封顶）|
 | ⏳ **定期存款** | 7/15/30 天可选，到期前**任何情况不可提前支取**；到期本息自动入活期 |
+| 📒 **交易流水** | 记录转账、存取、支票、定期、利息与管理操作；管理员可分页查询 |
+| 🧾 **手续费** | 转账与活期取现可按配置收取固定 / 百分比手续费 |
+| 💬 **自定义金额输入** | 银行 GUI 左键进入聊天输入自定义金额，右键保留「全部」快捷操作 |
 
 ---
 
@@ -56,6 +59,7 @@ CraftBank 内置完善的「个人钱包 / 现金」系统，并引入深度模
 | `/bankadmin reload` | 重载配置 |
 | `/bankadmin give/take/set <玩家> <金额>` | 增加 / 扣除 / 设置现金 |
 | `/bankadmin setinterest <savings\|term_7d\|term_15d\|term_30d> <利率>` | 动态修改利率 |
+| `/bankadmin log <玩家> [页码]` | 分页查看玩家交易流水 |
 
 ---
 
@@ -67,12 +71,16 @@ CraftBank 内置完善的「个人钱包 / 现金」系统，并引入深度模
 | `%craftbank_cash_formatted%` | 现金（含货币符号）|
 | `%craftbank_bank_saving%` | 活期（纯数字）|
 | `%craftbank_bank_saving_formatted%` | 活期（含货币符号）|
+| `%craftbank_total%` | 现金 + 活期总额（纯数字）|
+| `%craftbank_total_formatted%` | 现金 + 活期总额（含货币符号）|
+| `%craftbank_has_card%` | 是否持有有效银行卡 |
+| `%craftbank_savings_rate%` | 当前活期日利率百分比 |
 
 ---
 
 ## ⚙️ 配置文件
 
-详见生成的 `config.yml`，涵盖：数据库（SQLite/MySQL）、货币设置、利率（活期 / 各定期）、银行交互方块、银行卡与支票的自定义材质 / CustomModelData / 名称 / Lore、以及全部消息文案。
+详见生成的 `config.yml`，涵盖：数据库（SQLite/MySQL）、货币设置、利率（活期 / 各定期）、银行交互方块、转账 / 取现手续费、交易流水开关、银行卡与支票的自定义材质 / CustomModelData / 名称 / Lore、以及全部消息文案。
 
 ---
 

build.gradle.kts

@@ -4,7 +4,7 @@ plugins {
 }
 
 group = "com.craftbank"
-version = "1.0.0"
+version = "1.1.0"
 
 // 用当前 JDK（25）编译，通过 --release 21 产出兼容 Java 21 的字节码，
 // 避免 toolchain 触发额外的 JDK 下载。Folia 要求运行时为 Java 21+。

src/main/java/com/craftbank/CraftBank.java

@@ -1,6 +1,8 @@
 package com.craftbank;
 
 import com.craftbank.bank.BankManager;
+import com.craftbank.bank.FeeCalculator;
+import com.craftbank.bank.TransactionLog;
 import com.craftbank.commands.BankAdminCommand;
 import com.craftbank.commands.BankCommand;
 import com.craftbank.commands.BaltopCommand;
@@ -11,6 +13,7 @@ import com.craftbank.database.DatabaseManager;
 import com.craftbank.economy.EconomyManager;
 import com.craftbank.economy.VaultEconomyProvider;
 import com.craftbank.gui.BankGUI;
+import com.craftbank.gui.PendingInput;
 import com.craftbank.hooks.CraftBankExpansion;
 import com.craftbank.items.BankCardManager;
 import com.craftbank.items.ChequeManager;
@@ -40,6 +43,9 @@ public final class CraftBank extends JavaPlugin {
     private DatabaseManager databaseManager;
     private EconomyManager economyManager;
     private BankManager bankManager;
+    private TransactionLog transactionLog;
+    private FeeCalculator feeCalculator;
+    private PendingInput pendingInput;
     private BankCardManager bankCardManager;
     private ChequeManager chequeManager;
     private BankGUI bankGUI;
@@ -70,6 +76,9 @@ public final class CraftBank extends JavaPlugin {
 
         this.economyManager = new EconomyManager(this);
         this.bankManager = new BankManager(this);
+        this.transactionLog = new TransactionLog(this);
+        this.feeCalculator = new FeeCalculator(this);
+        this.pendingInput = new PendingInput();
         this.bankCardManager = new BankCardManager(this);
         this.chequeManager = new ChequeManager(this);
         this.bankGUI = new BankGUI(this);
@@ -138,6 +147,7 @@ public final class CraftBank extends JavaPlugin {
         getServer().getPluginManager().registerEvents(new PlayerConnectionListener(this), this);
         getServer().getPluginManager().registerEvents(new InteractListener(this), this);
         getServer().getPluginManager().registerEvents(new InventoryListener(this), this);
+        getServer().getPluginManager().registerEvents(new com.craftbank.listeners.ChatInputListener(this), this);
     }
 
     private void registerPlaceholders() {
@@ -219,6 +229,18 @@ public final class CraftBank extends JavaPlugin {
         return bankManager;
     }
 
+    public TransactionLog getTransactionLog() {
+        return transactionLog;
+    }
+
+    public FeeCalculator getFeeCalculator() {
+        return feeCalculator;
+    }
+
+    public PendingInput getPendingInput() {
+        return pendingInput;
+    }
+
     public BankCardManager getBankCardManager() {
         return bankCardManager;
     }

src/main/java/com/craftbank/bank/FeeCalculator.java

@@ -0,0 +1,48 @@
+package com.craftbank.bank;
+
+import com.craftbank.CraftBank;
+import com.craftbank.util.Amounts;
+
+/**
+ * 手续费计算。手续费 = 固定费 + 金额 × 百分比，并受最小/最大值约束。
+ *
+ * <p>配置位于 {@code Fees.<场景>}，目前支持场景：{@code pay}（转账）、{@code withdraw}（取现）。
+ * 各场景独立配置，未配置或全为 0 表示不收费。</p>
+ */
+public final class FeeCalculator {
+
+    private final CraftBank plugin;
+
+    public FeeCalculator(CraftBank plugin) {
+        this.plugin = plugin;
+    }
+
+    /**
+     * 计算指定场景下、给定金额应收的手续费（已规整到 2 位小数）。
+     *
+     * @param scene 配置场景键，如 "pay" / "withdraw"
+     * @param amount 交易金额
+     */
+    public double calculate(String scene, double amount) {
+        String base = "Fees." + scene + ".";
+        double percent = plugin.getConfig().getDouble(base + "percent", 0.0);
+        double fixed = plugin.getConfig().getDouble(base + "fixed", 0.0);
+        double min = plugin.getConfig().getDouble(base + "min", 0.0);
+        double max = plugin.getConfig().getDouble(base + "max", Double.MAX_VALUE);
+
+        double fee = fixed + amount * percent;
+        if (fee < min) fee = min;
+        if (fee > max) fee = max;
+        if (fee < 0) fee = 0;
+        // 手续费不应超过交易金额本身。
+        if (fee > amount) fee = amount;
+        return Amounts.normalize(fee);
+    }
+
+    /** 该场景是否配置了任何手续费。 */
+    public boolean hasFee(String scene) {
+        String base = "Fees." + scene + ".";
+        return plugin.getConfig().getDouble(base + "percent", 0.0) > 0
+                || plugin.getConfig().getDouble(base + "fixed", 0.0) > 0;
+    }
+}

src/main/java/com/craftbank/bank/TransactionLog.java

@@ -0,0 +1,44 @@
+package com.craftbank.bank;
+
+import com.craftbank.CraftBank;
+import com.craftbank.model.Transaction;
+
+import java.util.List;
+import java.util.UUID;
+
+/**
+ * 交易流水服务。统一封装异步写入与查询，并受配置开关控制是否记录。
+ */
+public final class TransactionLog {
+
+    private final CraftBank plugin;
+
+    public TransactionLog(CraftBank plugin) {
+        this.plugin = plugin;
+    }
+
+    private boolean enabled() {
+        return plugin.getConfig().getBoolean("Transaction_Log.enabled", true);
+    }
+
+    /** 异步记录一条流水（无手续费、无对手方的简化重载）。 */
+    public void record(UUID player, Transaction.Type type, double amount, String description) {
+        record(player, type, amount, 0.0, null, description);
+    }
+
+    /** 异步记录一条流水。本方法可在任意线程调用，内部自行切换到异步线程写库。 */
+    public void record(UUID player, Transaction.Type type, double amount, double fee,
+                       UUID counterparty, String description) {
+        if (!enabled() || player == null) {
+            return;
+        }
+        Transaction tx = new Transaction(0, player, type, amount, fee, counterparty,
+                description, System.currentTimeMillis());
+        plugin.runAsync(() -> plugin.getDatabaseManager().insertTransaction(tx));
+    }
+
+    /** 查询玩家流水（阻塞，须在异步线程调用）。 */
+    public List<Transaction> query(UUID player, int page, int pageSize) {
+        return plugin.getDatabaseManager().getTransactions(player, page, pageSize);
+    }
+}

src/main/java/com/craftbank/commands/BankAdminCommand.java

@@ -48,6 +48,7 @@ public final class BankAdminCommand implements TabExecutor {
             case "take" -> modify(sender, args, ModifyType.TAKE);
             case "set" -> modify(sender, args, ModifyType.SET);
             case "setinterest" -> setInterest(sender, args);
+            case "log" -> queryLog(sender, args);
             default -> sendHelp(sender);
         }
         return true;
@@ -90,6 +91,13 @@ public final class BankAdminCommand implements TabExecutor {
                 msg.raw(sender, "&c操作失败 (可能是余额不足)。");
                 return;
             }
+            com.craftbank.model.Transaction.Type txType = switch (type) {
+                case GIVE -> com.craftbank.model.Transaction.Type.ADMIN_GIVE;
+                case TAKE -> com.craftbank.model.Transaction.Type.ADMIN_TAKE;
+                case SET -> com.craftbank.model.Transaction.Type.ADMIN_SET;
+            };
+            plugin.getTransactionLog().record(uuid, txType, amount,
+                    "管理员 " + sender.getName() + " 操作");
             msg.raw(sender, "&a已" + label(type) + " &f" + targetName + " &a现金 " + econ.format(amount)
                     + " &7(当前: " + econ.format(econ.getCash(uuid)) + ")");
         });
@@ -130,6 +138,66 @@ public final class BankAdminCommand implements TabExecutor {
         msg.raw(sender, "&a已将 &f" + key + " &a的日利率设置为 &e" + rate + " &7(" + (rate * 100) + "%)");
     }
 
+    private void queryLog(CommandSender sender, String[] args) {
+        if (args.length < 2) {
+            msg.raw(sender, "&c用法: /bankadmin log <玩家> [页码]");
+            return;
+        }
+        String targetName = args[1];
+        int page = 1;
+        if (args.length >= 3) {
+            try {
+                page = Math.max(1, Integer.parseInt(args[2]));
+            } catch (NumberFormatException ignored) {
+                page = 1;
+            }
+        }
+        final int finalPage = page;
+        final int pageSize = 10;
+
+        plugin.runAsync(() -> {
+            @SuppressWarnings("deprecation")
+            OfflinePlayer target = Bukkit.getOfflinePlayer(targetName);
+            UUID uuid = target.getUniqueId();
+            if (uuid == null || (!target.hasPlayedBefore() && !target.isOnline())) {
+                msg.key(sender, "player-not-found", "&c找不到目标玩家。");
+                return;
+            }
+            var list = plugin.getTransactionLog().query(uuid, finalPage, pageSize);
+            if (list.isEmpty()) {
+                msg.raw(sender, "&7" + targetName + " 在第 " + finalPage + " 页没有交易记录。");
+                return;
+            }
+            EconomyManager econ = plugin.getEconomyManager();
+            java.text.SimpleDateFormat fmt = new java.text.SimpleDateFormat("MM-dd HH:mm");
+            msg.raw(sender, "&b&l" + targetName + " 的交易流水 &7- 第 " + finalPage + " 页");
+            for (var tx : list) {
+                String feePart = tx.getFee() > 0 ? " &8(费 " + econ.format(tx.getFee()) + ")" : "";
+                sender.sendMessage(com.craftbank.util.Text.color(
+                        "&7[" + fmt.format(new java.util.Date(tx.getTimestamp())) + "] &f"
+                                + typeLabel(tx.getType()) + " &a" + econ.format(tx.getAmount())
+                                + feePart + " &8" + (tx.getDescription() == null ? "" : tx.getDescription())));
+            }
+        });
+    }
+
+    private String typeLabel(com.craftbank.model.Transaction.Type type) {
+        return switch (type) {
+            case PAY_OUT -> "转出";
+            case PAY_IN -> "转入";
+            case DEPOSIT -> "存活期";
+            case WITHDRAW -> "取活期";
+            case CHEQUE_ISSUE -> "开支票";
+            case CHEQUE_REDEEM -> "兑支票";
+            case TERM_CREATE -> "存定期";
+            case TERM_CLAIM -> "领定期";
+            case INTEREST -> "利息";
+            case ADMIN_GIVE -> "管理给予";
+            case ADMIN_TAKE -> "管理扣除";
+            case ADMIN_SET -> "管理设置";
+        };
+    }
+
     private void sendHelp(CommandSender sender) {
         msg.raw(sender, "&b&l工艺银行管理 &7指令帮助:");
         sender.sendMessage(com.craftbank.util.Text.color("&7/bankadmin reload"));
@@ -137,6 +205,7 @@ public final class BankAdminCommand implements TabExecutor {
         sender.sendMessage(com.craftbank.util.Text.color("&7/bankadmin take <玩家> <金额>"));
         sender.sendMessage(com.craftbank.util.Text.color("&7/bankadmin set <玩家> <金额>"));
         sender.sendMessage(com.craftbank.util.Text.color("&7/bankadmin setinterest <类型> <利率>"));
+        sender.sendMessage(com.craftbank.util.Text.color("&7/bankadmin log <玩家> [页码]"));
     }
 
     @Override
@@ -145,14 +214,14 @@ public final class BankAdminCommand implements TabExecutor {
             return List.of();
         }
         if (args.length == 1) {
-            List<String> base = new ArrayList<>(List.of("reload", "give", "take", "set", "setinterest"));
+            List<String> base = new ArrayList<>(List.of("reload", "give", "take", "set", "setinterest", "log"));
             base.removeIf(s -> !s.startsWith(args[0].toLowerCase()));
             return base;
         }
         if (args.length == 2 && args[0].equalsIgnoreCase("setinterest")) {
             return new ArrayList<>(List.of("savings", "term_7d", "term_15d", "term_30d"));
         }
-        if (args.length == 2 && List.of("give", "take", "set").contains(args[0].toLowerCase())) {
+        if (args.length == 2 && List.of("give", "take", "set", "log").contains(args[0].toLowerCase())) {
             return null; // 在线玩家名
         }
         return List.of();

src/main/java/com/craftbank/commands/ChequeCommand.java

@@ -67,6 +67,8 @@ public final class ChequeCommand implements TabExecutor {
                     });
                     return;
                 }
+                plugin.getTransactionLog().record(player.getUniqueId(),
+                        com.craftbank.model.Transaction.Type.CHEQUE_ISSUE, amount, "开具支票");
                 msg.raw(player, "&a已开具一张面额 &f" + econ.format(amount) + " &a的支票。");
             });
         });

src/main/java/com/craftbank/commands/PayCommand.java

@@ -71,16 +71,34 @@ public final class PayCommand implements TabExecutor {
                 return;
             }
 
-            if (!econ.has(player.getUniqueId(), amount)) {
+            // 手续费由付款方承担：需同时覆盖转账金额与手续费。
-                msg.key(sender, "insufficient-funds", "&c余额不足。");
+            double fee = plugin.getFeeCalculator().calculate("pay", amount);
+            if (!econ.has(player.getUniqueId(), amount + fee)) {
+                if (fee > 0) {
+                    msg.raw(sender, "&c余额不足 (需 " + econ.format(amount) + " + 手续费 " + econ.format(fee) + ")。");
+                } else {
+                    msg.key(sender, "insufficient-funds", "&c余额不足。");
+                }
                 return;
             }
             if (econ.transfer(player.getUniqueId(), targetUuid, amount)) {
-                msg.raw(sender, "&a成功向 &f" + targetName + " &a转账 " + econ.format(amount));
+                // 转账成功后再扣手续费（金额已校验充足）。
+                if (fee > 0) {
+                    econ.withdraw(player.getUniqueId(), fee);
+                }
+                String feeNote = fee > 0 ? " &7(手续费 " + econ.format(fee) + ")" : "";
+                msg.raw(sender, "&a成功向 &f" + targetName + " &a转账 " + econ.format(amount) + feeNote);
                 Player onlineTarget = Bukkit.getPlayer(targetUuid);
                 if (onlineTarget != null) {
                     msg.raw(onlineTarget, "&a你收到来自 &f" + player.getName() + " &a的转账 " + econ.format(amount));
                 }
+                // 记录双方流水。
+                plugin.getTransactionLog().record(player.getUniqueId(),
+                        com.craftbank.model.Transaction.Type.PAY_OUT, amount, fee, targetUuid,
+                        "转账给 " + targetName);
+                plugin.getTransactionLog().record(targetUuid,
+                        com.craftbank.model.Transaction.Type.PAY_IN, amount, 0, player.getUniqueId(),
+                        "收到 " + player.getName() + " 的转账");
             } else {
                 msg.key(sender, "insufficient-funds", "&c余额不足。");
             }

src/main/java/com/craftbank/database/DatabaseManager.java

@@ -90,9 +90,23 @@ public class DatabaseManager {
                 "end_time BIGINT NOT NULL," +
                 "claimed INT NOT NULL DEFAULT 0" +
                 ")";
+        String transactions = "CREATE TABLE IF NOT EXISTS craftbank_transactions (" +
+                "id " + autoInc + "," +
+                "player VARCHAR(36) NOT NULL," +
+                "type VARCHAR(24) NOT NULL," +
+                "amount DOUBLE NOT NULL," +
+                "fee DOUBLE NOT NULL DEFAULT 0," +
+                "counterparty VARCHAR(36)," +
+                "description VARCHAR(128)," +
+                "timestamp BIGINT NOT NULL" +
+                ")";
         try (Connection conn = dataSource.getConnection(); Statement st = conn.createStatement()) {
             st.executeUpdate(players);
             st.executeUpdate(deposits);
+            st.executeUpdate(transactions);
+            // 按玩家 + 时间查询的索引（日志翻页常用）。
+            st.executeUpdate("CREATE INDEX IF NOT EXISTS idx_tx_player_time " +
+                    "ON craftbank_transactions(player, timestamp)");
         }
     }
 
@@ -269,4 +283,69 @@ public class DatabaseManager {
                 rs.getLong("end_time"),
                 rs.getInt("claimed") != 0);
     }
+
+    // ---------------------------------------------------------------------
+    //  交易流水
+    // ---------------------------------------------------------------------
+
+    /** 写入一条交易流水。 */
+    public void insertTransaction(com.craftbank.model.Transaction tx) {
+        String sql = "INSERT INTO craftbank_transactions " +
+                "(player, type, amount, fee, counterparty, description, timestamp) VALUES (?,?,?,?,?,?,?)";
+        try (Connection conn = dataSource.getConnection();
+             PreparedStatement ps = conn.prepareStatement(sql)) {
+            ps.setString(1, tx.getPlayer().toString());
+            ps.setString(2, tx.getType().name());
+            ps.setDouble(3, tx.getAmount());
+            ps.setDouble(4, tx.getFee());
+            ps.setString(5, tx.getCounterparty() == null ? null : tx.getCounterparty().toString());
+            ps.setString(6, tx.getDescription());
+            ps.setLong(7, tx.getTimestamp());
+            ps.executeUpdate();
+        } catch (SQLException ex) {
+            plugin.getLogger().log(Level.WARNING, "写入交易流水失败: " + tx.getPlayer(), ex);
+        }
+    }
+
+    /**
+     * 查询某玩家的交易流水（按时间倒序分页）。
+     *
+     * @param page 从 1 开始的页码
+     * @param pageSize 每页条数
+     */
+    public List<com.craftbank.model.Transaction> getTransactions(UUID player, int page, int pageSize) {
+        List<com.craftbank.model.Transaction> list = new ArrayList<>();
+        int offset = Math.max(0, (page - 1) * pageSize);
+        String sql = "SELECT * FROM craftbank_transactions WHERE player = ? " +
+                "ORDER BY timestamp DESC LIMIT ? OFFSET ?";
+        try (Connection conn = dataSource.getConnection();
+             PreparedStatement ps = conn.prepareStatement(sql)) {
+            ps.setString(1, player.toString());
+            ps.setInt(2, pageSize);
+            ps.setInt(3, offset);
+            try (ResultSet rs = ps.executeQuery()) {
+                while (rs.next()) {
+                    String cp = rs.getString("counterparty");
+                    com.craftbank.model.Transaction.Type t;
+                    try {
+                        t = com.craftbank.model.Transaction.Type.valueOf(rs.getString("type"));
+                    } catch (IllegalArgumentException ignored) {
+                        continue; // 跳过未知类型（向后兼容）
+                    }
+                    list.add(new com.craftbank.model.Transaction(
+                            rs.getLong("id"),
+                            UUID.fromString(rs.getString("player")),
+                            t,
+                            rs.getDouble("amount"),
+                            rs.getDouble("fee"),
+                            cp == null ? null : UUID.fromString(cp),
+                            rs.getString("description"),
+                            rs.getLong("timestamp")));
+                }
+            }
+        } catch (SQLException ex) {
+            plugin.getLogger().log(Level.SEVERE, "读取交易流水失败: " + player, ex);
+        }
+        return list;
+    }
 }

src/main/java/com/craftbank/gui/BankGUI.java

@@ -61,13 +61,15 @@ public class BankGUI {
         inv.setItem(SLOT_TERM_LIST, icon(Material.BOOK, "&b我的定期存款",
                 List.of("&7点击查看 / 领取到期定期存款")));
 
-        inv.setItem(SLOT_DEPOSIT_ALL, icon(Material.HOPPER, "&a存入全部现金",
+        inv.setItem(SLOT_DEPOSIT_ALL, icon(Material.HOPPER, "&a存入活期",
-                List.of("&7将钱包中全部现金存入活期",
+                List.of("&7当前现金: &f" + eco.format(account.getCash()),
-                        "&7当前现金: &f" + eco.format(account.getCash()))));
+                        "&e左键: &f输入自定义金额",
+                        "&e右键: &f存入全部现金")));
 
-        inv.setItem(SLOT_WITHDRAW_ALL, icon(Material.DROPPER, "&c取出全部活期",
+        inv.setItem(SLOT_WITHDRAW_ALL, icon(Material.DROPPER, "&c取出活期",
-                List.of("&7将活期余额全部取回钱包",
+                List.of("&7活期余额: &f" + eco.format(account.getBankSaving()),
-                        "&7活期余额: &f" + eco.format(account.getBankSaving()))));
+                        "&e左键: &f输入自定义金额",
+                        "&e右键: &f取出全部活期")));
 
         Map<Integer, Double> terms = plugin.getBankManager().getTermOptions();
         inv.setItem(SLOT_TERM_7, termIcon(eco, 7, terms.getOrDefault(7, 0.0), account.getBankSaving()));
@@ -81,8 +83,9 @@ public class BankGUI {
         return icon(Material.DIAMOND, "&b定期存款 · " + days + "天",
                 List.of("&7日利率: &a" + percent(rate),
                         "&7到期利息: &a" + percent(rate * days) + " (单利)",
-                        "&8点击将<活期全部余额>存入该定期",
+                        "&7可存活期: &f" + eco.format(saving),
-                        "&8可存金额: &f" + eco.format(saving),
+                        "&e左键: &f输入自定义金额",
+                        "&e右键: &f存入全部活期",
                         "&c一旦存入到期前不可取出!"));
     }
 

src/main/java/com/craftbank/gui/PendingInput.java

@@ -0,0 +1,62 @@
+package com.craftbank.gui;
+
+import java.util.Map;
+import java.util.UUID;
+import java.util.concurrent.ConcurrentHashMap;
+
+/**
+ * 记录玩家在 GUI 中触发的「待聊天输入金额」状态。
+ *
+ * <p>玩家点击「存入/取出/办定期」后进入对应 {@link Action} 状态，下一条聊天消息被
+ * 当作金额处理。状态存活有上限，由聊天监听器消费后清除。</p>
+ */
+public final class PendingInput {
+
+    public enum Action {
+        DEPOSIT,    // 现金 -> 活期
+        WITHDRAW,   // 活期 -> 现金
+        TERM        // 办理定期（extra = 天数）
+    }
+
+    /** 单条待输入记录。 */
+    public static final class Entry {
+        public final Action action;
+        public final int extra;       // TERM 时为天数，其它为 0
+        public final long createdAt;
+
+        Entry(Action action, int extra) {
+            this.action = action;
+            this.extra = extra;
+            this.createdAt = System.currentTimeMillis();
+        }
+    }
+
+    /** 待输入状态有效期：超时后视为放弃。 */
+    private static final long EXPIRE_MS = 60_000L;
+
+    private final Map<UUID, Entry> pending = new ConcurrentHashMap<>();
+
+    public void await(UUID player, Action action, int extra) {
+        pending.put(player, new Entry(action, extra));
+    }
+
+    /** 取出并移除待输入状态；不存在或已过期返回 null。 */
+    public Entry consume(UUID player) {
+        Entry e = pending.remove(player);
+        if (e == null) {
+            return null;
+        }
+        if (System.currentTimeMillis() - e.createdAt > EXPIRE_MS) {
+            return null;
+        }
+        return e;
+    }
+
+    public boolean isAwaiting(UUID player) {
+        return pending.containsKey(player);
+    }
+
+    public void cancel(UUID player) {
+        pending.remove(player);
+    }
+}

src/main/java/com/craftbank/hooks/CraftBankExpansion.java

@@ -48,16 +48,25 @@ public class CraftBankExpansion extends PlaceholderExpansion {
         if (player == null) {
             return "";
         }
+        // 不依赖账户的变量先处理。
+        if (params.equalsIgnoreCase("savings_rate")) {
+            return String.format("%.3f%%", plugin.getBankManager().getSavingsRate() * 100);
+        }
+
         // 占位符在主线程被解析: 仅读取已缓存数据, 不触发阻塞式数据库查询。
         PlayerAccount account = plugin.getEconomyManager().getCached(player.getUniqueId());
         double cash = account != null ? account.getCash() : 0.0;
         double saving = account != null ? account.getBankSaving() : 0.0;
+        double total = cash + saving;
 
         return switch (params.toLowerCase()) {
             case "cash" -> plugin.getEconomyManager().formatNumber(cash);
             case "cash_formatted" -> plugin.getEconomyManager().format(cash);
             case "bank_saving" -> plugin.getEconomyManager().formatNumber(saving);
             case "bank_saving_formatted" -> plugin.getEconomyManager().format(saving);
+            case "total" -> plugin.getEconomyManager().formatNumber(total);
+            case "total_formatted" -> plugin.getEconomyManager().format(total);
+            case "has_card" -> account != null && account.hasValidCard() ? "是" : "否";
             default -> null;
         };
     }

src/main/java/com/craftbank/listeners/ChatInputListener.java

@@ -0,0 +1,138 @@
+package com.craftbank.listeners;
+
+import com.craftbank.CraftBank;
+import com.craftbank.economy.EconomyManager;
+import com.craftbank.gui.PendingInput;
+import com.craftbank.model.PlayerAccount;
+import com.craftbank.model.TermDeposit;
+import com.craftbank.model.Transaction;
+import com.craftbank.util.Amounts;
+import io.papermc.paper.event.player.AsyncChatEvent;
+import net.kyori.adventure.text.Component;
+import net.kyori.adventure.text.TextComponent;
+import org.bukkit.entity.Player;
+import org.bukkit.event.EventHandler;
+import org.bukkit.event.EventPriority;
+import org.bukkit.event.Listener;
+
+import java.util.UUID;
+
+/**
+ * 捕获处于「待输入金额」状态玩家的下一条聊天消息，将其解析为金额并执行对应的
+ * 存入 / 取出 / 办理定期操作（自定义金额 GUI 的输入端）。
+ *
+ * <p>聊天事件为异步触发；账户余额操作切回玩家区域线程，定期写库走异步线程。</p>
+ */
+public final class ChatInputListener implements Listener {
+
+    private final CraftBank plugin;
+
+    public ChatInputListener(CraftBank plugin) {
+        this.plugin = plugin;
+    }
+
+    @EventHandler(priority = EventPriority.LOWEST, ignoreCancelled = true)
+    public void onChat(AsyncChatEvent event) {
+        Player player = event.getPlayer();
+        UUID uuid = player.getUniqueId();
+        if (!plugin.getPendingInput().isAwaiting(uuid)) {
+            return;
+        }
+        PendingInput.Entry entry = plugin.getPendingInput().consume(uuid);
+        // 拦截这条聊天，不广播给其他玩家。
+        event.setCancelled(true);
+        if (entry == null) {
+            plugin.msg().raw(player, "&c输入已超时, 请重新在银行界面操作。");
+            return;
+        }
+
+        String raw = plainText(event.message()).trim();
+        if (raw.equalsIgnoreCase("cancel") || raw.equalsIgnoreCase("取消")) {
+            plugin.msg().raw(player, "&7已取消本次操作。");
+            return;
+        }
+        double amount = Amounts.parse(raw);
+        if (amount <= 0) {
+            plugin.msg().raw(player, "&c无效金额, 操作已取消。请输入正数, 例如 &f1000");
+            return;
+        }
+
+        PlayerAccount account = plugin.getEconomyManager().getCached(uuid);
+        if (account == null) {
+            plugin.msg().raw(player, "&c账户尚未加载完成, 请稍后再试。");
+            return;
+        }
+
+        switch (entry.action) {
+            case DEPOSIT -> plugin.runForPlayer(player, () -> doDeposit(player, account, amount));
+            case WITHDRAW -> plugin.runForPlayer(player, () -> doWithdraw(player, account, amount));
+            case TERM -> doTerm(player, account, amount, entry.extra);
+        }
+    }
+
+    /**
+     * 将聊天消息 Component 递归提取为纯文本。folia-api 不打包 Adventure 的
+     * PlainTextComponentSerializer, 故这里手动遍历 TextComponent 内容与子节点,
+     * 对聊天输入 (单行数字/关键字) 已足够。
+     */
+    private String plainText(Component component) {
+        StringBuilder sb = new StringBuilder();
+        if (component instanceof TextComponent tc) {
+            sb.append(tc.content());
+        }
+        for (Component child : component.children()) {
+            sb.append(plainText(child));
+        }
+        return sb.toString();
+    }
+
+    private void doDeposit(Player player, PlayerAccount account, double amount) {
+        EconomyManager econ = plugin.getEconomyManager();
+        synchronized (account) {
+            if (!account.withdrawCash(amount)) {
+                plugin.msg().key(player, "insufficient-funds", "&c余额不足。");
+                return;
+            }
+            account.depositSaving(amount);
+        }
+        plugin.persistAsync(account);
+        plugin.getTransactionLog().record(player.getUniqueId(), Transaction.Type.DEPOSIT, amount, "存入活期");
+        plugin.msg().raw(player, "&a已将 &e" + econ.format(amount) + " &a存入活期账户。");
+    }
+
+    private void doWithdraw(Player player, PlayerAccount account, double amount) {
+        EconomyManager econ = plugin.getEconomyManager();
+        // 取现手续费（若配置）。
+        double fee = plugin.getFeeCalculator().calculate("withdraw", amount);
+        synchronized (account) {
+            if (!account.withdrawSaving(amount)) {
+                plugin.msg().raw(player, "&c活期余额不足。");
+                return;
+            }
+            // 实际到手 = 金额 - 手续费。
+            account.depositCash(amount - fee);
+        }
+        plugin.persistAsync(account);
+        plugin.getTransactionLog().record(player.getUniqueId(), Transaction.Type.WITHDRAW, amount, fee, null, "取出活期");
+        String feeNote = fee > 0 ? " &7(手续费 " + econ.format(fee) + ", 到手 " + econ.format(amount - fee) + ")" : "";
+        plugin.msg().raw(player, "&a已从活期取回 &e" + econ.format(amount) + " &a到钱包。" + feeNote);
+    }
+
+    private void doTerm(Player player, PlayerAccount account, double amount, int days) {
+        EconomyManager econ = plugin.getEconomyManager();
+        plugin.runAsync(() -> {
+            TermDeposit deposit = plugin.getBankManager().createTermDeposit(account, amount, days);
+            plugin.runForPlayer(player, () -> {
+                if (deposit == null) {
+                    plugin.msg().raw(player, "&c办理失败: 活期余额不足或期限无效。");
+                } else {
+                    plugin.getTransactionLog().record(player.getUniqueId(), Transaction.Type.TERM_CREATE,
+                            deposit.getPrincipal(), days + "天定期");
+                    plugin.msg().raw(player, "&a成功存入 " + days + "天定期: &e"
+                            + econ.format(deposit.getPrincipal())
+                            + "&a, 到期本息 &e" + econ.format(deposit.calculateTotalPayout()));
+                }
+            });
+        });
+    }
+}

src/main/java/com/craftbank/listeners/InteractListener.java

@@ -104,6 +104,8 @@ public class InteractListener implements Listener {
         }
 
         plugin.getEconomyManager().deposit(player.getUniqueId(), amount);
+        plugin.getTransactionLog().record(player.getUniqueId(),
+                com.craftbank.model.Transaction.Type.CHEQUE_REDEEM, amount, "兑现支票");
         plugin.msg().raw(player, "&a成功兑现支票 &e" + plugin.getEconomyManager().format(amount)
                 + " &a到你的钱包! (开票人: " + plugin.getChequeManager().getIssuerName(current) + ")");
     }

src/main/java/com/craftbank/listeners/InventoryListener.java

@@ -60,50 +60,87 @@ public class InventoryListener implements Listener {
         }
 
         if (gui.getType() == BankGuiHolder.Type.MAIN) {
-            handleMain(player, account, event.getRawSlot());
+            handleMain(player, account, event.getRawSlot(), event.isRightClick());
         } else if (gui.getType() == BankGuiHolder.Type.TERM_LIST) {
             handleTermList(player, account, event.getCurrentItem(), event.getRawSlot(), top.getSize());
         }
     }
 
-    private void handleMain(Player player, PlayerAccount account, int slot) {
+    private void handleMain(Player player, PlayerAccount account, int slot, boolean rightClick) {
         switch (slot) {
             case BankGUI.SLOT_DEPOSIT_ALL -> {
-                double cash = account.getCash();
+                if (rightClick) {
-                if (cash <= 0) {
+                    depositAll(player, account);
-                    plugin.msg().raw(player, "&c你的钱包里没有现金可以存入。");
+                } else {
-                    return;
+                    promptInput(player, com.craftbank.gui.PendingInput.Action.DEPOSIT, 0, "存入活期");
                 }
-                if (account.withdrawCash(cash)) {
-                    account.depositSaving(cash);
-                    plugin.persistAsync(account);
-                    plugin.msg().raw(player, "&a已将 &e" + plugin.getEconomyManager().format(cash) + " &a存入活期。");
-                }
-                plugin.getBankGUI().openMain(player, account);
             }
             case BankGUI.SLOT_WITHDRAW_ALL -> {
-                double saving = account.getBankSaving();
+                if (rightClick) {
-                if (saving <= 0) {
+                    withdrawAll(player, account);
-                    plugin.msg().raw(player, "&c你的活期账户里没有余额可以取出。");
+                } else {
-                    return;
+                    promptInput(player, com.craftbank.gui.PendingInput.Action.WITHDRAW, 0, "取出活期");
                 }
-                if (account.withdrawSaving(saving)) {
-                    account.depositCash(saving);
-                    plugin.persistAsync(account);
-                    plugin.msg().raw(player, "&a已从活期取回 &e" + plugin.getEconomyManager().format(saving) + " &a到钱包。");
-                }
-                plugin.getBankGUI().openMain(player, account);
             }
             case BankGUI.SLOT_TERM_LIST -> openTermList(player, account);
-            case BankGUI.SLOT_TERM_7 -> createTerm(player, account, 7);
+            case BankGUI.SLOT_TERM_7 -> termSlot(player, account, 7, rightClick);
-            case BankGUI.SLOT_TERM_15 -> createTerm(player, account, 15);
+            case BankGUI.SLOT_TERM_15 -> termSlot(player, account, 15, rightClick);
-            case BankGUI.SLOT_TERM_30 -> createTerm(player, account, 30);
+            case BankGUI.SLOT_TERM_30 -> termSlot(player, account, 30, rightClick);
             default -> {
                 // 其它槽位 (信息/背景) 无操作。
             }
         }
     }
 
+    /** 进入聊天输入态，让玩家自定义金额。 */
+    private void promptInput(Player player, com.craftbank.gui.PendingInput.Action action, int extra, String label) {
+        player.closeInventory();
+        plugin.getPendingInput().await(player.getUniqueId(), action, extra);
+        plugin.msg().raw(player, "&e请在聊天框输入要" + label + "的金额 &7(输入 &fcancel &7取消, 60 秒内有效)");
+    }
+
+    private void termSlot(Player player, PlayerAccount account, int days, boolean rightClick) {
+        if (rightClick) {
+            createTerm(player, account, days); // 右键：用全部活期办定期（旧行为）
+        } else {
+            promptInput(player, com.craftbank.gui.PendingInput.Action.TERM, days, days + "天定期存入");
+        }
+    }
+
+    private void depositAll(Player player, PlayerAccount account) {
+        double cash = account.getCash();
+        if (cash <= 0) {
+            plugin.msg().raw(player, "&c你的钱包里没有现金可以存入。");
+            return;
+        }
+        if (account.withdrawCash(cash)) {
+            account.depositSaving(cash);
+            plugin.persistAsync(account);
+            plugin.getTransactionLog().record(player.getUniqueId(),
+                    com.craftbank.model.Transaction.Type.DEPOSIT, cash, "存入活期(全部)");
+            plugin.msg().raw(player, "&a已将 &e" + plugin.getEconomyManager().format(cash) + " &a存入活期。");
+        }
+        plugin.getBankGUI().openMain(player, account);
+    }
+
+    private void withdrawAll(Player player, PlayerAccount account) {
+        double saving = account.getBankSaving();
+        if (saving <= 0) {
+            plugin.msg().raw(player, "&c你的活期账户里没有余额可以取出。");
+            return;
+        }
+        double fee = plugin.getFeeCalculator().calculate("withdraw", saving);
+        if (account.withdrawSaving(saving)) {
+            account.depositCash(saving - fee);
+            plugin.persistAsync(account);
+            plugin.getTransactionLog().record(player.getUniqueId(),
+                    com.craftbank.model.Transaction.Type.WITHDRAW, saving, fee, null, "取出活期(全部)");
+            String feeNote = fee > 0 ? " &7(手续费 " + plugin.getEconomyManager().format(fee) + ")" : "";
+            plugin.msg().raw(player, "&a已从活期取回 &e" + plugin.getEconomyManager().format(saving) + " &a到钱包。" + feeNote);
+        }
+        plugin.getBankGUI().openMain(player, account);
+    }
+
     private void createTerm(Player player, PlayerAccount account, int days) {
         double amount = account.getBankSaving();
         if (amount <= 0) {
@@ -165,6 +202,8 @@ public class InventoryListener implements Listener {
                 if (payout < 0) {
                     plugin.msg().raw(player, "&c该定期存款尚未到期, 无法提前支取!");
                 } else {
+                    plugin.getTransactionLog().record(player.getUniqueId(),
+                            com.craftbank.model.Transaction.Type.TERM_CLAIM, payout, "领取定期本息");
                     plugin.msg().raw(player, "&a已领取定期本息 &e" + plugin.getEconomyManager().format(payout) + " &a到活期账户。");
                 }
             });

src/main/java/com/craftbank/model/Transaction.java

@@ -0,0 +1,58 @@
+package com.craftbank.model;
+
+import java.util.UUID;
+
+/**
+ * 一条交易流水记录，用于审计与防刷追溯。
+ *
+ * <p>{@link #counterparty} 为对手方（转账的另一方、支票开票人等），无对手方时为 null。
+ * {@link #fee} 为本次交易产生的手续费（无则为 0）。</p>
+ */
+public class Transaction {
+
+    /** 交易类型。 */
+    public enum Type {
+        PAY_OUT,        // 转出（/pay 付款方）
+        PAY_IN,         // 转入（/pay 收款方）
+        DEPOSIT,        // 现金 -> 活期
+        WITHDRAW,       // 活期 -> 现金
+        CHEQUE_ISSUE,   // 开具支票
+        CHEQUE_REDEEM,  // 兑现支票
+        TERM_CREATE,    // 创建定期
+        TERM_CLAIM,     // 领取定期本息
+        INTEREST,       // 活期利息结算
+        ADMIN_GIVE,     // 管理员给予
+        ADMIN_TAKE,     // 管理员扣除
+        ADMIN_SET       // 管理员设置
+    }
+
+    private final long id;
+    private final UUID player;
+    private final Type type;
+    private final double amount;
+    private final double fee;
+    private final UUID counterparty;
+    private final String description;
+    private final long timestamp;
+
+    public Transaction(long id, UUID player, Type type, double amount, double fee,
+                       UUID counterparty, String description, long timestamp) {
+        this.id = id;
+        this.player = player;
+        this.type = type;
+        this.amount = amount;
+        this.fee = fee;
+        this.counterparty = counterparty;
+        this.description = description;
+        this.timestamp = timestamp;
+    }
+
+    public long getId() { return id; }
+    public UUID getPlayer() { return player; }
+    public Type getType() { return type; }
+    public double getAmount() { return amount; }
+    public double getFee() { return fee; }
+    public UUID getCounterparty() { return counterparty; }
+    public String getDescription() { return description; }
+    public long getTimestamp() { return timestamp; }
+}

src/main/resources/config.yml

@@ -51,6 +51,26 @@ Bank_Settings:
   # 利息结算最大补偿天数 (防止离线过久产生天文数字利息)
   max_offline_interest_days: 30
 
+# 手续费设置 (手续费 = fixed + 金额 × percent, 受 min/max 约束; 全为 0 即不收费)
+Fees:
+  # 转账手续费 (由付款方承担)
+  pay:
+    percent: 0.0      # 百分比, 如 0.01 = 1%
+    fixed: 0.0        # 固定费用
+    min: 0.0          # 最低手续费
+    max: 1000000.0    # 最高手续费
+  # 活期取现手续费 (从取出金额中扣除)
+  withdraw:
+    percent: 0.0
+    fixed: 0.0
+    min: 0.0
+    max: 1000000.0
+
+# 交易流水记录
+Transaction_Log:
+  # 是否记录交易流水 (转账/存取/支票/定期/管理操作)
+  enabled: true
+
 # 自定义物品设置
 Items:
   # 银行卡