feat: single-row funds strip on header and system settings page

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

lib/instance/templates/settings_panel.html

@@ -1,5 +1,15 @@
 {# 系统设置：左风控说明 · 右资金划转 + 数据导出 #}
 <div class="settings-page">
+    <div class="card settings-account-summary">
+        <div class="settings-account-summary-head">
+            <div class="instance-toolbar-status">
+                <div class="exchange-tag">{{ exchange_display }}</div>
+                <span class="risk-status-badge risk-status-{{ risk_status.status|default('normal') }}" role="status">{{ risk_status.status_label|default('正常') }}</span>
+            </div>
+            <button type="button" class="btn-secondary btn-sm" id="settings-refresh-funds">刷新资金</button>
+        </div>
+        {% include 'instance_header_stats.html' %}
+    </div>
     <div class="settings-cards-grid">
         <div class="card settings-card settings-card--risk">
             <h2>风控说明</h2>