@

将 web/routes.py 拆分为模块化 router + service 架构

    - 新增 web/app_factory.py 集中注册 7 个域名 router
    - 新增 web/routers/ 薄壳路由层（auth/city/system/scan/ops/payments/analytics）
    - 新增 web/services/ 业务函数下沉（每域独立 service 文件）
    - web/routes.py 缩减为 city_runtime 的兼容重导出 facade
    - analysis_service.py/app.py 适配新入口并清理冗余导入

    Scope-risk: LOW — 全量 170 测试通过，router 注册顺序与原路由一致
    Tested: python -m pytest -q (170 passed), ruff check . (All checks passed)
@

web/routers/payments.py

@@ -0,0 +1,90 @@
+"""Payment API routes."""
+
+from fastapi import APIRouter, Request
+
+from web.core import (
+    ConfirmPaymentTxRequest,
+    CreatePaymentIntentRequest,
+    SubmitPaymentTxRequest,
+    WalletChallengeRequest,
+    WalletUnbindRequest,
+    WalletVerifyRequest,
+)
+from web.services.payment_api import (
+    confirm_payment_tx as confirm_payment_tx_service,
+    create_payment_intent as create_payment_intent_service,
+    create_payment_wallet_challenge,
+    get_payment_config,
+    get_payment_intent,
+    get_payment_runtime,
+    list_payment_wallets,
+    reconcile_latest_payment,
+    submit_payment_tx as submit_payment_tx_service,
+    unbind_payment_wallet,
+    verify_payment_wallet,
+)
+
+router = APIRouter(tags=["payments"])
+
+
+@router.get("/api/payments/config")
+async def payment_config(request: Request):
+    return get_payment_config(request)
+
+
+@router.get("/api/payments/runtime")
+async def payment_runtime(request: Request):
+    return get_payment_runtime(request)
+
+
+@router.get("/api/payments/wallets")
+async def payment_wallets(request: Request):
+    return list_payment_wallets(request)
+
+
+@router.delete("/api/payments/wallets")
+async def payment_wallet_unbind(request: Request, body: WalletUnbindRequest):
+    return unbind_payment_wallet(request, body)
+
+
+@router.post("/api/payments/wallets/challenge")
+async def payment_wallet_challenge(request: Request, body: WalletChallengeRequest):
+    return create_payment_wallet_challenge(request, body)
+
+
+@router.post("/api/payments/wallets/verify")
+async def payment_wallet_verify(request: Request, body: WalletVerifyRequest):
+    return verify_payment_wallet(request, body)
+
+
+@router.post("/api/payments/intents")
+async def payment_create_intent(request: Request, body: CreatePaymentIntentRequest):
+    return create_payment_intent_service(request, body)
+
+
+@router.get("/api/payments/intents/{intent_id}")
+async def payment_get_intent(request: Request, intent_id: str):
+    return get_payment_intent(request, intent_id)
+
+
+@router.post("/api/payments/intents/{intent_id}/submit")
+async def payment_submit_tx(
+    request: Request,
+    intent_id: str,
+    body: SubmitPaymentTxRequest,
+):
+    return submit_payment_tx_service(request, intent_id, body)
+
+
+@router.post("/api/payments/intents/{intent_id}/confirm")
+async def payment_confirm_tx(
+    request: Request,
+    intent_id: str,
+    body: ConfirmPaymentTxRequest,
+):
+    return confirm_payment_tx_service(request, intent_id, body)
+
+
+@router.post("/api/payments/reconcile-latest")
+async def payment_reconcile_latest(request: Request):
+    return reconcile_latest_payment(request)