fix(risk): reset badge to normal when freeze countdown expires

Also expand account-risk-cooldown docs with countdown format, API fields, and frontend assets.

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

crypto_monitor_binance/templates/index.html

@@ -6,7 +6,7 @@
 <script src="/static/instance_theme.js?v=9"></script>
     <link rel="stylesheet" href="/static/instance_theme_early.css?v=4">
     <link rel="stylesheet" href="/static/account_risk_badge.css?v=3">
-    <script src="/static/account_risk_badge.js?v=1"></script>
+    <script src="/static/account_risk_badge.js?v=2"></script>
 
     <meta name="theme-color" content="#0b0d14">
     <meta name="apple-mobile-web-app-title" content="监控">