Add external monitoring stack and alerting docs

README_ZH.md

@@ -23,6 +23,7 @@
 - 已上线支付运行态与审计接口：`/api/payments/runtime`。
 - 已上线轻量运营后台：`/ops`（会员、周榜、补分、支付异常单）。
 - 已上线轻量可观测性：`/healthz`、`/api/system/status`、`/metrics`。
+- 已补最小外部监控栈：Prometheus + Alertmanager + Grafana + Telegram 告警 relay。
 - 运行态状态与缓存已支持 SQLite 渐进迁移：`file / dual / sqlite`。
 - 已接入 EMOS/CRPS 校准链路，但当前仍保持 `emos_shadow`。
 
@@ -122,6 +123,22 @@ curl http://127.0.0.1:8000/metrics
 docker compose logs -f polyweather | egrep "payment event loop started|payment confirm loop started|payment auto-confirmed"
 ```
 
+### 外部监控栈
+
+```bash
+docker compose --profile monitoring up -d polyweather_prometheus polyweather_alertmanager polyweather_alert_relay polyweather_grafana
+```
+
+- Prometheus：`http://127.0.0.1:${POLYWEATHER_PROMETHEUS_PORT:-9090}`
+- Alertmanager：`http://127.0.0.1:${POLYWEATHER_ALERTMANAGER_PORT:-9093}`
+- Grafana：`http://127.0.0.1:${POLYWEATHER_GRAFANA_PORT:-3001}`
+
+手动巡检：
+
+```bash
+python scripts/check_ops_health.py --base-url http://127.0.0.1:8000
+```
+
 ### 支付运行态
 
 ```bash
@@ -171,6 +188,7 @@ docker compose logs -f polyweather | egrep "polymarket wallet activity watcher s
 - 支付审计说明：[docs/payments/PAYMENT_AUDIT_ZH.md](docs/payments/PAYMENT_AUDIT_ZH.md)
 - 支付 V2 升级方案：[docs/payments/PAYMENT_UPGRADE_V2_ZH.md](docs/payments/PAYMENT_UPGRADE_V2_ZH.md)
 - 运营后台说明：[docs/OPS_ADMIN_ZH.md](docs/OPS_ADMIN_ZH.md)
+- 外部监控说明：[docs/MONITORING_ZH.md](docs/MONITORING_ZH.md)
 - 深度评估报告：[docs/deep-research-report.md](docs/deep-research-report.md)
 - 前端报告：[FRONTEND_REDESIGN_REPORT.md](FRONTEND_REDESIGN_REPORT.md)
 - 发布流程：[RELEASE.md](RELEASE.md)