Support LIVE exchange funds and perp margin mode.

Hide sim equity when LIVE is selected; OKX funds bar uses exchange balances; add cross/isolated for perp only (options stay cash).

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

backend/app/api/funds.py

@@ -115,9 +115,13 @@ async def funds_summary(_user: Annotated[str, Depends(require_user)]) -> dict[st
                 trading_usdt = bal.get("trading_usdt")
                 funding_usdc = bal.get("funding_usdc")
                 trading_usdc = bal.get("trading_usdc")
-                parts = [funding_usdt, trading_usdt, funding_usdc, trading_usdc]
-                vals = [float(x) for x in parts if x is not None]
-                total = round(sum(vals), 2) if vals else None
+                r = float(rate) if rate and rate > 0 else 1.0
+                total = round(
+                    (funding_usdt or 0.0)
+                    + (trading_usdt or 0.0)
+                    + ((funding_usdc or 0.0) + (trading_usdc or 0.0)) * r,
+                    2,
+                )
             except Exception as e:
                 return {
                     "ok": False,
@@ -128,11 +132,13 @@ async def funds_summary(_user: Annotated[str, Depends(require_user)]) -> dict[st
             finally:
                 client.close()
         else:
-            # 非 OKX LIVE：回退本地账本
-            led = Ledger(db).snapshot()
-            trading_usdt = float(led["equity"])
-            total = trading_usdt
-
+            # 非 OKX LIVE：暂无统一资金接口，不回退模拟账本（避免实盘显示假资金）
+            return {
+                "ok": False,
+                "mode": mode,
+                "exchange": exchange,
+                "detail": f"{exchange} 实盘资金摘要暂未接入，请用 OKX 或交易所 App 查看",
+            }
     return {
         "ok": True,
         "mode": mode,