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/verify-apy-calculation.js

@@ -0,0 +1,53 @@
+// 验证 APY 计算逻辑
+
+const borrowRatePerSecond = 14999999976144000n
+const secondsPerYear = BigInt(365 * 24 * 60 * 60) // 31536000
+
+console.log('\n=== APY 计算验证 ===\n')
+
+console.log('原始数据:')
+console.log('  borrowRatePerSecond:', borrowRatePerSecond.toString())
+console.log('  secondsPerYear:', secondsPerYear.toString())
+console.log()
+
+// 方法1：错误的计算（之前的方式）
+const wrongAPY = Number(borrowRatePerSecond) / 10000
+console.log('❌ 错误计算（除以10000）:')
+console.log('  APY:', wrongAPY.toFixed(2), '%')
+console.log('  = 1,499,999,997,614.40 %（明显错误）')
+console.log()
+
+// 方法2：正确的计算
+// APY% = (ratePerSecond / 1e18) × secondsPerYear × 100
+const borrowAPY = (borrowRatePerSecond * secondsPerYear * BigInt(100)) / BigInt(10 ** 18)
+console.log('✅ 正确计算（Compound V3 格式）:')
+console.log('  每秒利率:', Number(borrowRatePerSecond) / 1e18)
+console.log('  年化倍数 (1 + rate)^seconds ≈ rate × seconds:')
+console.log('    ', Number(borrowRatePerSecond) / 1e18, '× 31,536,000 =', Number(borrowRatePerSecond) * 31536000 / 1e18)
+console.log('  APY:', Number(borrowAPY).toFixed(2), '%')
+console.log()
+
+// 详细计算步骤
+console.log('计算步骤:')
+console.log('  1. borrowRatePerSecond × secondsPerYear × 100')
+console.log('     =', borrowRatePerSecond.toString(), '×', secondsPerYear.toString(), '× 100')
+const step1 = borrowRatePerSecond * secondsPerYear * BigInt(100)
+console.log('     =', step1.toString())
+console.log()
+console.log('  2. 结果 ÷ 10^18')
+console.log('     =', step1.toString(), '÷ 1000000000000000000')
+console.log('     =', borrowAPY.toString())
+console.log()
+
+console.log('最终结果: ', Number(borrowAPY).toFixed(2), '%')
+console.log()
+
+// 验证使用率计算
+console.log('=== 使用率计算验证 ===\n')
+console.log('如果 utilizationRate = 0（当前没有借款）')
+const utilizationRate = 0n
+const utilizationPercent = utilizationRate > 0n
+  ? (utilizationRate * BigInt(100)) / BigInt(10 ** 18)
+  : 0n
+console.log('  使用率:', Number(utilizationPercent).toFixed(2), '%')
+console.log()