feat(risk): add account cooldown and daily freeze after manual/external close

Implements shared account_risk_lib with 4h/1h cooloff and daily freeze rules, wires hooks into all four exchange apps and hub monitor UI, with tests and docs.

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

crypto_monitor_okx/app.py

@@ -1480,6 +1480,9 @@ def init_db():
     from strategy_db import init_strategy_tables
 
     init_strategy_tables(conn)
+    from account_risk_lib import ensure_account_risk_schema
+
+    ensure_account_risk_schema(conn)
     backfill_missing_key_signal_types(conn, monitor_type=ORDER_MONITOR_TYPE_KEY_AUTO)
     conn.commit()
     conn.close()
@@ -1513,6 +1516,18 @@ def get_db():
     return conn
 
 
+def hub_account_risk_status(conn):
+    from account_risk_lib import compute_account_risk_status, ensure_account_risk_schema
+
+    ensure_account_risk_schema(conn)
+    return compute_account_risk_status(
+        conn,
+        trading_day=get_trading_day(),
+        now=app_now(),
+        fmt_local_ms=ms_to_app_local_str,
+    )
+
+
 def app_now():
     """应用本地时区当前墙钟时间（无时区的 datetime，便于与库中字符串直接比较）。"""
     return datetime.now(APP_TZ).replace(tzinfo=None)
@@ -2509,6 +2524,16 @@ def trading_day_reset_allows_new_open(now, conn=None):
 
 def precheck_risk(conn, symbol, direction):
     now = app_now()
+    from account_risk_lib import account_risk_blocks_trading
+
+    ok_risk, risk_reason = account_risk_blocks_trading(
+        conn,
+        trading_day=get_trading_day(now),
+        now=now,
+        fmt_local_ms=ms_to_app_local_str,
+    )
+    if not ok_risk:
+        return False, risk_reason
     if not trading_day_reset_allows_new_open(now):
         return False, f"北京时间 {TRADING_DAY_RESET_HOUR}:00 前不允许持仓"
     active_count = get_active_position_count(conn)
@@ -3502,6 +3527,16 @@ def reconcile_external_closes(conn, days=None):
             opened_at=opened_at,
             closed_at=closed_at,
         )
+        from account_risk_lib import on_external_close, should_apply_external_close_risk
+
+        if should_apply_external_close_risk(result):
+            close_ms = _to_ms_with_fallback(None, closed_at)
+            on_external_close(
+                conn,
+                closed_at_ms=close_ms,
+                trading_day=session_date,
+                now=app_now(),
+            )
         conn.execute("UPDATE order_monitors SET status='stopped' WHERE id=?", (r["id"],))
         if result in ("止盈", "止损", "保本止盈", "移动止盈", "手动平仓", "强制清仓"):
             send_wechat_msg(
@@ -6317,12 +6352,14 @@ def render_main_page(page="trade"):
     open_guard_enabled = get_trading_day_reset_open_guard_enabled(conn)
     open_guard_blocks_now = open_guard_enabled and now.hour < TRADING_DAY_RESET_HOUR
     opens_today = count_opens_for_trading_day(conn, trading_day)
+    risk_status = hub_account_risk_status(conn)
     can_trade = can_trade_new_open(
         time_allows=trading_day_reset_allows_new_open(now, conn),
         active_count=active_count,
         max_active_positions=MAX_ACTIVE_POSITIONS,
         opens_today=opens_today,
         hard_limit=DAILY_OPEN_HARD_LIMIT,
+        extra_blocks=not risk_status.get("can_trade", True),
     )
     key_rule_ctx = key_monitor_rule_template_context(
         kline_timeframe=KLINE_TIMEFRAME,
@@ -6416,6 +6453,7 @@ def render_main_page(page="trade"):
         key_rule_ctx=key_rule_ctx,
         funds_fmt=format_funds_u,
         exchange_display=EXCHANGE_DISPLAY_NAME,
+        risk_status=risk_status,
         max_active_positions=MAX_ACTIVE_POSITIONS,
         manual_min_planned_rr=MANUAL_MIN_PLANNED_RR,
         key_auto_min_planned_rr=KEY_AUTO_MIN_PLANNED_RR,
@@ -6484,6 +6522,7 @@ def api_account_snapshot():
     active_count = get_active_position_count(conn)
     open_guard_enabled = get_trading_day_reset_open_guard_enabled(conn)
     opens_today = count_opens_for_trading_day(conn, trading_day)
+    risk_status = hub_account_risk_status(conn)
     conn.close()
     open_guard_blocks_now = open_guard_enabled and now.hour < TRADING_DAY_RESET_HOUR
     can_trade = can_trade_new_open(
@@ -6492,6 +6531,7 @@ def api_account_snapshot():
         max_active_positions=MAX_ACTIVE_POSITIONS,
         opens_today=opens_today,
         hard_limit=DAILY_OPEN_HARD_LIMIT,
+        extra_blocks=not risk_status.get("can_trade", True),
     )
     available_trading_usdt = get_available_trading_usdt()
     return jsonify({
@@ -6510,6 +6550,7 @@ def api_account_snapshot():
         "reset_hour": TRADING_DAY_RESET_HOUR,
         "manual_min_planned_rr": MANUAL_MIN_PLANNED_RR,
         "trading_day": trading_day,
+        "risk_status": risk_status,
     })
 
 
@@ -8085,6 +8126,15 @@ def del_order(id):
                 opened_at=opened_at,
                 closed_at=closed_at,
             )
+            from account_risk_lib import insert_trade_record_id, on_manual_close
+
+            on_manual_close(
+                conn,
+                trade_record_id=insert_trade_record_id(conn),
+                closed_at_ms=_to_ms_with_fallback(None, closed_at),
+                trading_day=session_date,
+                now=app_now(),
+            )
             conn.execute("UPDATE order_monitors SET status='stopped', exchange_close_order_id=? WHERE id=?", (close_order_id, id))
             conn.commit()
             conn.close()
@@ -8297,6 +8347,16 @@ def add_journal():
             d.get("post_breakeven_stare"), d.get("new_trade_while_occupied"), d.get("note"), image_filename
         )
     )
+    from account_risk_lib import on_journal_saved
+
+    on_journal_saved(
+        conn,
+        early_exit_trigger=early_exit_trigger,
+        early_exit_note=early_exit_note,
+        mood_issues_raw=mood_issues,
+        trading_day=get_trading_day(),
+        now=app_now(),
+    )
     conn.commit()
     conn.close()
     if chart_msg:
@@ -8788,6 +8848,7 @@ try:
         views={"add_order": add_order, "add_key": add_key},
         ohlcv_fn=_hub_fetch_ohlcv,
         volume_rank_fn=_hub_fetch_volume_rank,
+        risk_status_fn=hub_account_risk_status,
     )
 except Exception as _hub_err:
     print(f"[hub_bridge] okx: {_hub_err}")