fix(binance): read funding balance from wallet/balance API

Prefer sapi asset/wallet/balance Funding USDT (matches App), merge get-funding-asset and ccxt as fallbacks, and add optional BINANCE_FUNDING_INCLUDE_SPOT plus a richer verify script.

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

crypto_monitor_binance/app.py

@@ -288,6 +288,13 @@ def build_binance_ccxt_proxies():
 
 
 BINANCE_CCXT_PROXIES = build_binance_ccxt_proxies()
+# 页顶「资金账户」是否合并现货 USDT（部分用户把现货当资金仓；默认仅 Funding）
+BINANCE_FUNDING_INCLUDE_SPOT = os.getenv("BINANCE_FUNDING_INCLUDE_SPOT", "false").lower() in (
+    "1",
+    "true",
+    "yes",
+    "on",
+)
 
 os.makedirs(UPLOAD_FOLDER, exist_ok=True)
 os.makedirs(ORDER_CHART_DIR, exist_ok=True)
@@ -2660,6 +2667,61 @@ def _parse_binance_funding_asset_rows(rows):
     return None
 
 
+def _parse_binance_wallet_balance_usdt(rows, wallet_names):
+    """解析 /sapi/v1/asset/wallet/balance（quoteAsset=USDT）：按 walletName 取折合 USDT 余额。"""
+    if isinstance(rows, dict):
+        rows = [rows]
+    if not isinstance(rows, list):
+        return None
+    want = {str(n).strip().lower() for n in (wallet_names or []) if str(n).strip()}
+    for row in rows:
+        if not isinstance(row, dict):
+            continue
+        name = str(row.get("walletName") or row.get("name") or "").strip().lower()
+        if name not in want:
+            continue
+        if row.get("activate") is False:
+            continue
+        bal = _float_balance_field(row.get("balance"))
+        if bal is not None:
+            return bal
+    return None
+
+
+def _fetch_binance_funding_usdt_from_wallet_overview():
+    """与币安 App 资产页「资金/Funding」钱包 USDT 估值一致（wallet/balance）。"""
+    try:
+        ensure_markets_loaded()
+        raw = exchange.sapiGetAssetWalletBalance({"quoteAsset": TRANSFER_CCY})
+        val = _parse_binance_wallet_balance_usdt(raw, ("Funding",))
+        if val is not None:
+            return float(val)
+    except Exception:
+        pass
+    return None
+
+
+def _fetch_binance_spot_usdt_total():
+    """现货账户 USDT 总额（free+locked）。"""
+    try:
+        ensure_markets_loaded()
+        raw = exchange.sapiGetAssetWalletBalance({"quoteAsset": TRANSFER_CCY})
+        val = _parse_binance_wallet_balance_usdt(raw, ("Spot",))
+        if val is not None:
+            return float(val)
+    except Exception:
+        pass
+    try:
+        ensure_markets_loaded()
+        bal = exchange.fetch_balance(params={"type": "spot"})
+        val = _extract_usdt_total(bal)
+        if val is not None:
+            return float(val)
+    except Exception:
+        pass
+    return None
+
+
 def _extract_usdt_free(balance):
     usdt_info = balance.get("USDT", {}) if isinstance(balance, dict) else {}
     free_map = balance.get("free", {}) if isinstance(balance, dict) else {}
@@ -2732,32 +2794,45 @@ def _fetch_binance_swap_usdt_free():
 
 
 def _fetch_binance_funding_usdt():
-    """Binance 资金账户（Funding Wallet）USDT 总额（free+冻结+锁定，与 APP 资金账户一致）。"""
+    """Binance 资金账户（Funding Wallet）USDT 总额，与 App「资金账户」一致。"""
+    candidates = []
+    wallet_val = _fetch_binance_funding_usdt_from_wallet_overview()
+    if wallet_val is not None:
+        candidates.append(wallet_val)
+    try:
+        ensure_markets_loaded()
+        raw = exchange.sapiPostAssetGetFundingAsset({"asset": TRANSFER_CCY})
+        val = _parse_binance_funding_asset_rows(raw)
+        if val is not None:
+            candidates.append(float(val))
+    except Exception:
+        pass
+    if not candidates:
+        try:
+            ensure_markets_loaded()
+            raw = exchange.sapiPostAssetGetFundingAsset({})
+            val = _parse_binance_funding_asset_rows(raw)
+            if val is not None:
+                candidates.append(float(val))
+        except Exception:
+            pass
     try:
         ensure_markets_loaded()
         bal = exchange.fetch_balance(params={"type": "funding"})
         val = _extract_usdt_total(bal)
         if val is not None:
-            return float(val)
+            candidates.append(float(val))
     except Exception:
         pass
-    try:
-        ensure_markets_loaded()
-        raw = exchange.sapiPostAssetGetFundingAsset({"asset": "USDT"})
-        val = _parse_binance_funding_asset_rows(raw)
-        if val is not None:
-            return float(val)
-    except Exception:
-        pass
-    try:
-        ensure_markets_loaded()
-        raw = exchange.sapiPostAssetGetFundingAsset({})
-        val = _parse_binance_funding_asset_rows(raw)
-        if val is not None:
-            return float(val)
-    except Exception:
-        pass
-    return None
+    if not candidates:
+        base = None
+    else:
+        base = max(candidates)
+    if BINANCE_FUNDING_INCLUDE_SPOT:
+        spot_val = _fetch_binance_spot_usdt_total()
+        if spot_val is not None:
+            base = (base or 0.0) + float(spot_val)
+    return base
 
 
 def get_available_trading_usdt():