feat: 添加多链支持和 Lending 借贷系统

- 新增 ARB Sepolia + BNB Testnet 多链支持
- 添加 LendingPanel 借贷系统组件
- 添加 LendingAdminPanel 管理面板
- 添加 USDCPanel USDC 操作组件
- 添加 HoldersPanel 持有人信息组件
- 添加 AutoTestPanel 自动化测试组件
- 重构 LP 组件为模块化结构 (LP/)
- 添加多个调试和测试脚本
- 修复 USDC 精度动态配置
- 优化合约配置支持多链切换

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

frontend/scripts/check-interest-rates.js

@@ -0,0 +1,122 @@
+import { createPublicClient, http, getAddress } from 'viem'
+import { arbitrumSepolia } from 'viem/chains'
+
+const client = createPublicClient({
+  chain: arbitrumSepolia,
+  transport: http('https://api.zan.top/node/v1/arb/sepolia/baf84c429d284bb5b676cb8c9ca21c07')
+})
+
+const LENDING_PROXY = getAddress('0xCb4E7B1069F6C26A1c27523ce4c8dfD884552d1D')
+
+const LENDING_ABI = [
+  {
+    inputs: [],
+    name: 'getBorrowRate',
+    outputs: [{ internalType: 'uint64', name: '', type: 'uint64' }],
+    stateMutability: 'view',
+    type: 'function'
+  },
+  {
+    inputs: [],
+    name: 'getSupplyRate',
+    outputs: [{ internalType: 'uint64', name: '', type: 'uint64' }],
+    stateMutability: 'view',
+    type: 'function'
+  },
+  {
+    inputs: [],
+    name: 'getUtilization',
+    outputs: [{ internalType: 'uint256', name: '', type: 'uint256' }],
+    stateMutability: 'view',
+    type: 'function'
+  }
+]
+
+async function main() {
+  console.log('\n检查利率和使用率...\n')
+
+  try {
+    // 1. 获取借款利率
+    const borrowRate = await client.readContract({
+      address: LENDING_PROXY,
+      abi: LENDING_ABI,
+      functionName: 'getBorrowRate'
+    })
+    console.log('=== getBorrowRate ===')
+    console.log('原始值:', borrowRate.toString())
+    console.log('类型: uint64')
+    console.log()
+
+    // Compound V3 利率通常是每秒利率，精度 1e18
+    // APY = (1 + ratePerSecond)^(365*24*60*60) - 1
+    // 简化近似：APY ≈ ratePerSecond * secondsPerYear * 100%
+    const secondsPerYear = 365 * 24 * 60 * 60
+
+    // 如果是 1e18 精度的每秒利率
+    if (borrowRate > 0n) {
+      const apyE18 = Number(borrowRate) * secondsPerYear / 1e18
+      console.log('假设精度 1e18 (每秒利率):')
+      console.log('  每秒利率:', Number(borrowRate) / 1e18)
+      console.log('  年化利率 (APY):', apyE18.toFixed(2), '%')
+      console.log()
+
+      // 如果是 1e16 精度（百分比形式）
+      const apyE16 = Number(borrowRate) * secondsPerYear / 1e16
+      console.log('假设精度 1e16:')
+      console.log('  年化利率 (APY):', apyE16.toFixed(2), '%')
+      console.log()
+
+      // 如果是 1e4 精度（basis points）
+      const apyE4 = Number(borrowRate) / 1e4
+      console.log('假设精度 1e4 (basis points):')
+      console.log('  年化利率 (APY):', apyE4.toFixed(2), '%')
+      console.log()
+    }
+
+    // 2. 获取存款利率
+    const supplyRate = await client.readContract({
+      address: LENDING_PROXY,
+      abi: LENDING_ABI,
+      functionName: 'getSupplyRate'
+    })
+    console.log('=== getSupplyRate ===')
+    console.log('原始值:', supplyRate.toString())
+    console.log()
+
+    if (supplyRate > 0n) {
+      const apyE18 = Number(supplyRate) * secondsPerYear / 1e18
+      console.log('假设精度 1e18 (每秒利率):')
+      console.log('  年化利率 (APY):', apyE18.toFixed(2), '%')
+      console.log()
+    }
+
+    // 3. 获取使用率
+    const utilization = await client.readContract({
+      address: LENDING_PROXY,
+      abi: LENDING_ABI,
+      functionName: 'getUtilization'
+    })
+    console.log('=== getUtilization ===')
+    console.log('原始值:', utilization.toString())
+    console.log()
+
+    if (utilization > 0n) {
+      // Compound V3 使用率通常是 1e18 精度
+      const utilizationPercent = Number(utilization) / 1e18 * 100
+      console.log('假设精度 1e18:')
+      console.log('  使用率:', utilizationPercent.toFixed(2), '%')
+      console.log()
+
+      // 如果是 1e4 精度
+      const utilizationE4 = Number(utilization) / 1e4
+      console.log('假设精度 1e4:')
+      console.log('  使用率:', utilizationE4.toFixed(2), '%')
+      console.log()
+    }
+
+  } catch (error) {
+    console.error('查询失败:', error.message)
+  }
+}
+
+main()