buildRequestPayload('u-wallet-account', $apiData, $this->accessToken); // 发送请求 $resp = HttpClient::post($this->baseUrl, $payload); // 检查API响应状态 if (isset($resp['ret']) && $resp['ret'] == 0) { return [ 'success' => true, 'balance' => $resp['data']['total_amount'], 'message' => '查询余额成功', ]; } return [ 'success' => false, 'balance' => 0, 'message' => '查询余额失败', ]; } }