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/scripts/verify_binance_funding.py

@@ -3,6 +3,7 @@
   python scripts/verify_binance_funding.py
 
 打印 BINANCE_API_KEY 前 8 位便于与 Binance 控制台核对（不含 Secret）。用于服务器自检。
+对比 App：资产 → 资金账户(Funding) / 现货账户(Spot) / U本位合约。
 """
 import os
 import sys
@@ -33,19 +34,51 @@ def main():
     if not s or "REPLACE" in s.upper():
         print("WARN: BINANCE_API_SECRET 为空或仍像占位符，请核对 .env")
     print("BINANCE_API_KEY prefix (8 chars):", (k[:8] + "…") if len(k) > 8 else "(short)")
+    print("BINANCE_FUNDING_INCLUDE_SPOT:", os.getenv("BINANCE_FUNDING_INCLUDE_SPOT", "false"))
 
     import app as mod  # noqa: E402
 
     mod.ensure_markets_loaded()
-    fu = mod._fetch_binance_funding_usdt()
-    print(">>> _fetch_binance_funding_usdt() =", fu)
+    ccy = getattr(mod, "TRANSFER_CCY", "USDT")
+
     try:
+        raw = mod.exchange.sapiGetAssetWalletBalance({"quoteAsset": ccy})
+        print(f"\n>>> sapi/v1/asset/wallet/balance (quoteAsset={ccy}):")
+        if isinstance(raw, list):
+            for row in raw:
+                if isinstance(row, dict):
+                    print(
+                        "   ",
+                        row.get("walletName"),
+                        "activate=",
+                        row.get("activate"),
+                        "balance=",
+                        row.get("balance"),
+                    )
+        else:
+            print("   ", raw)
+    except Exception as e:
+        print(">>> wallet/balance error:", e)
+
+    try:
+        raw = mod.exchange.sapiPostAssetGetFundingAsset({"asset": ccy})
+        print(f"\n>>> get-funding-asset (asset={ccy}):", raw)
+    except Exception as e:
+        print(">>> get-funding-asset error:", e)
+
+    fu = mod._fetch_binance_funding_usdt()
+    print("\n>>> _fetch_binance_funding_usdt() (页顶资金账户) =", fu)
+    try:
+        fw = mod._fetch_binance_funding_usdt_from_wallet_overview()
+        print(">>> _fetch_binance_funding_usdt_from_wallet_overview() =", fw)
+        sp = mod._fetch_binance_spot_usdt_total()
+        print(">>> _fetch_binance_spot_usdt_total() =", sp)
         sw = mod._fetch_binance_swap_usdt_total()
         print(">>> _fetch_binance_swap_usdt_total() (合约账户) =", sw)
         sf = mod._fetch_binance_swap_usdt_free()
         print(">>> _fetch_binance_swap_usdt_free() (合约可用) =", sf)
     except Exception as e:
-        print(">>> swap balance fetch error:", e)
+        print(">>> balance fetch error:", e)
 
 
 if __name__ == "__main__":