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-current-borrow.js

@@ -0,0 +1,116 @@
+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 USER = getAddress('0xa013422A5918CD099C63c8CC35283EACa99a705d')
+
+const LENDING_ABI = [
+  {
+    inputs: [{ name: 'account', type: 'address' }],
+    name: 'getBalance',
+    outputs: [{ name: '', type: 'int256' }],
+    stateMutability: 'view',
+    type: 'function'
+  },
+  {
+    inputs: [{ name: 'account', type: 'address' }],
+    name: 'borrowBalanceOf',
+    outputs: [{ name: '', type: 'uint256' }],
+    stateMutability: 'view',
+    type: 'function'
+  },
+  {
+    inputs: [],
+    name: 'getBorrowRate',
+    outputs: [{ name: '', type: 'uint64' }],
+    stateMutability: 'view',
+    type: 'function'
+  }
+]
+
+async function main() {
+  console.log('\n=== 验证当前借款状态 ===\n')
+  console.log('用户:', USER)
+  console.log('Lending 合约:', LENDING_PROXY)
+  console.log()
+
+  // 获取账户余额
+  const balance = await client.readContract({
+    address: LENDING_PROXY,
+    abi: LENDING_ABI,
+    functionName: 'getBalance',
+    args: [USER]
+  })
+
+  // 获取借款余额
+  const borrowBalance = await client.readContract({
+    address: LENDING_PROXY,
+    abi: LENDING_ABI,
+    functionName: 'borrowBalanceOf',
+    args: [USER]
+  })
+
+  // 获取借款利率
+  const borrowRate = await client.readContract({
+    address: LENDING_PROXY,
+    abi: LENDING_ABI,
+    functionName: 'getBorrowRate'
+  })
+
+  console.log('=== 账户状态 ===')
+  console.log()
+  console.log('getBalance() 返回值:', balance.toString())
+  if (balance > 0) {
+    console.log('  → 用户有存款:', Number(balance) / 1e6, 'USDC')
+  } else if (balance < 0) {
+    console.log('  → 用户有负余额（债务）:', Number(-balance) / 1e6, 'USDC')
+  } else {
+    console.log('  → 用户余额为 0')
+  }
+  console.log()
+
+  console.log('borrowBalanceOf() 返回值:', borrowBalance.toString())
+  console.log('  → 借款金额:', Number(borrowBalance) / 1e6, 'USDC')
+  console.log()
+
+  console.log('=== 利息信息 ===')
+  console.log()
+  console.log('借款年化利率 (APY):', (Number(borrowRate) / 1e18 * 100).toFixed(2), '%')
+  console.log()
+
+  // 分析结果
+  console.log('=== 分析 ===')
+  console.log()
+
+  if (borrowBalance > 0n) {
+    console.log('✓ 用户确实有借款！')
+    console.log()
+    console.log('借款金额:', Number(borrowBalance) / 1e6, 'USDC')
+    console.log()
+
+    if (balance === 0n) {
+      console.log('余额状态: balance = 0，这意味着：')
+      console.log('  - 用户之前可能有存款')
+      console.log('  - withdraw 金额超过了存款')
+      console.log('  - 超出部分形成了债务')
+      console.log()
+      console.log('这正是 Compound V3 的设计：')
+      console.log('  withdraw(amount) 会：')
+      console.log('    1. 优先从存款中扣除')
+      console.log('    2. 存款不足时，自动创建债务')
+    }
+
+    console.log()
+    console.log('用户需要归还的总额:', Number(borrowBalance) / 1e6, 'USDC')
+    console.log('(注意：每秒都在计息，实际金额会略高)')
+  } else {
+    console.log('✗ 用户当前没有借款')
+  }
+}
+
+main()