{
  "currency": "CNY",
  "note": "MVP 阶段用台账模拟客户充值和消耗；正式支付接入前不记录真实资金流水。",
  "accounts": [
    {
      "customerId": "customer-lucheng",
      "accountId": "balance-lucheng-sample",
      "status": "sample",
      "availableBalance": 0,
      "reservedBalance": 0,
      "updatedAt": "2026-06-25"
    }
  ],
  "transactions": [
    {
      "id": "txn-lucheng-sample-recharge-001",
      "accountId": "balance-lucheng-sample",
      "customerId": "customer-lucheng",
      "orderId": "order-lucheng-sample-001",
      "type": "recharge",
      "amount": 0,
      "status": "sample-only",
      "createdAt": "2026-06-25",
      "description": "样板客户不记录真实充值。正式客户应记录充值凭证和发票状态。"
    },
    {
      "id": "txn-lucheng-sample-content-001",
      "accountId": "balance-lucheng-sample",
      "customerId": "customer-lucheng",
      "orderId": "order-lucheng-sample-001",
      "type": "content-service-debit",
      "amount": 0,
      "status": "sample-only",
      "createdAt": "2026-06-25",
      "linkedDeliverable": "/publishing/",
      "description": "样板阶段的付费发布入口与内容审核流程。"
    }
  ]
}