fix(risk): trigger cooldown only on user-initiated closes

Remove external-close risk hooks; register user_instance, user_hub, and user_trend_stop via hub API and trend stop; update docs and tests.

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

strategy_trend_register.py

@@ -838,7 +838,34 @@ def _bump_session_capital_no_commit(
         return None
 
 
-def _finalize_plan(cfg: dict, conn, row, result_label: str, exit_price: float) -> None:
+def _apply_trend_user_risk_close(cfg: dict, conn, *, trade_record_id=None, closed_at_ms=None) -> None:
+    m = _m(cfg)
+    fn = getattr(m, "hub_user_initiated_close", None)
+    from account_risk_lib import CLOSE_SOURCE_USER_TREND_STOP
+
+    if callable(fn):
+        fn(
+            conn,
+            source=CLOSE_SOURCE_USER_TREND_STOP,
+            count=1,
+            trade_record_id=trade_record_id,
+            closed_at_ms=closed_at_ms,
+        )
+        return
+    from account_risk_lib import on_user_initiated_close
+
+    on_user_initiated_close(
+        conn,
+        source=CLOSE_SOURCE_USER_TREND_STOP,
+        trade_record_id=trade_record_id,
+        closed_at_ms=closed_at_ms,
+        trading_day=m.get_trading_day(),
+        now=m.app_now(),
+        count=1,
+    )
+
+
+def _finalize_plan(cfg: dict, conn, row, result_label: str, exit_price: float, *, user_initiated_risk: bool = False) -> None:
     m = _m(cfg)
     plan_id = int(row["id"])
     active = conn.execute(
@@ -897,6 +924,7 @@ def _finalize_plan(cfg: dict, conn, row, result_label: str, exit_price: float) -
     except Exception:
         pass
     session_capital = None
+    trade_record_id = None
     if not _trend_plan_trade_exists(conn, plan_id):
         session_date = row["session_date"] or m.get_trading_day()
         session_capital = _bump_session_capital_no_commit(
@@ -928,6 +956,26 @@ def _finalize_plan(cfg: dict, conn, row, result_label: str, exit_price: float) -
                 entry_reason=ENTRY_REASON_TREND_PULLBACK,
             ),
         )
+        try:
+            from account_risk_lib import insert_trade_record_id
+
+            trade_record_id = insert_trade_record_id(conn)
+        except Exception:
+            trade_record_id = None
+    if user_initiated_risk:
+        closed_ms = None
+        to_ms = getattr(m, "_to_ms_with_fallback", None)
+        if callable(to_ms):
+            try:
+                closed_ms = to_ms(None, closed_at)
+            except Exception:
+                closed_ms = None
+        _apply_trend_user_risk_close(
+            cfg,
+            conn,
+            trade_record_id=trade_record_id,
+            closed_at_ms=closed_ms,
+        )
     conn.commit()
     try:
         from strategy_wechat_notify import notify_trend_plan_ended
@@ -1845,7 +1893,7 @@ def register_trend_routes(app: Flask, cfg: dict) -> None:
             except Exception:
                 pass
         try:
-            _finalize_plan(cfg, conn, row, "手动平仓", exit_p)
+            _finalize_plan(cfg, conn, row, "手动平仓", exit_p, user_initiated_risk=True)
         except Exception as e:
             conn.execute(
                 "UPDATE trend_pullback_plans SET status='stopped_manual', message=? "