feat: bidirectional daily auto-transfer with position skip

Rebalance swap to AUTO_TRANSFER_AMOUNT at Beijing hour: top up from funding or sweep excess back. Skip and WeChat notify when active positions exist.

Co-authored-by: Cursor <cursoragent@cursor.com>

docs/auto-transfer-daily.md

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+# 每日自动划转（四所统一）
+
+## 行为
+
+在 `.env` 开启 `AUTO_TRANSFER_ENABLED=true` 后，监控轮询在**北京时间 `AUTO_TRANSFER_BJ_HOUR` 整点所在小时**内（默认 8:00–8:59）执行一次（按 **UTC 自然日** 去重）：
+
+| 交易账户 (`AUTO_TRANSFER_TO`，默认 swap) | 动作 |
+|------------------------------------------|------|
+| 余额 **低于** `AUTO_TRANSFER_AMOUNT` | 从 `AUTO_TRANSFER_FROM`（默认 funding）划入差额 |
+| 余额 **高于** `AUTO_TRANSFER_AMOUNT` | 将多余划回 `AUTO_TRANSFER_FROM` |
+| 与目标相差 < 0.01U | 跳过，不写划转 |
+| 存在 **active** 持仓（`order_monitors`） | **不划转**，写账簿 `skipped`，并**企业微信**说明「持仓中，本次资金无划转」 |
+
+## 配置示例（目标 50U）
+
+```env
+AUTO_TRANSFER_ENABLED=true
+AUTO_TRANSFER_AMOUNT=50
+AUTO_TRANSFER_FROM=funding
+AUTO_TRANSFER_TO=swap
+AUTO_TRANSFER_BJ_HOUR=8
+```
+
+API Key 须具备万向划转权限（与手动划转相同）。
+
+## 部署
+
+```bash
+git pull
+python scripts/sync_four_exchange_transfer_env.py   # 仅补全缺项
+# 编辑各所 .env：AUTO_TRANSFER_ENABLED=true、AUTO_TRANSFER_AMOUNT=50
+pm2 restart crypto-monitor-binance crypto-monitor-okx crypto-monitor-gate crypto-monitor-gate-bot
+```