修复 load_markets 超时后狂打交易所：失败退避 90 秒，避免反复请求导致封 IP。

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

crypto_monitor_binance/app.py

@@ -490,6 +490,18 @@ if BINANCE_API_KEY and BINANCE_API_SECRET:
     exchange.apiKey = BINANCE_API_KEY
     exchange.secret = BINANCE_API_SECRET
 MARKETS_LOADED = False
+_MARKETS_GUARD = None
+
+
+def _get_markets_guard():
+    global _MARKETS_GUARD
+    if _MARKETS_GUARD is None:
+        from lib.trade.markets_load_guard_lib import MarketsLoadGuard
+
+        _MARKETS_GUARD = MarketsLoadGuard(backoff_sec=90.0, label="binance markets")
+    return _MARKETS_GUARD
+
+
 ACCOUNT_BALANCE_CACHE = {
     "updated_at": 0.0,
     "funding_usdt": None,
@@ -3583,10 +3595,16 @@ def calc_trend_manual_breakeven_stop(direction, entry_price, offset_pct=None):
 
 
 def ensure_markets_loaded(force=False):
+    """加载 Binance markets;失败后退避,避免超时循环狂打 API."""
     global MARKETS_LOADED
-    if force or not MARKETS_LOADED:
-        exchange.load_markets(reload=force)
+    guard = _get_markets_guard()
+    guard.loaded = bool(MARKETS_LOADED)
+    try:
+        guard.ensure(lambda: exchange.load_markets(reload=force), force=force)
         MARKETS_LOADED = True
+    except Exception:
+        MARKETS_LOADED = False
+        raise
 
 
 def _abort_market_open_after_tpsl_failure(exchange_symbol, direction, order, planned_amount):