feat(points): 调整充值档位为4档

- 1元档：100积分，无标签，180天有效
- 5元档（热销）：1000积分，180天有效
- 10元档（推荐）：3000积分，365天有效
- 50元档（超值）：25000积分，永久有效

python-api/config/points-config.yaml

@@ -77,12 +77,10 @@ duration_based_costs:
 # 支持积分赠送：points 为实际到账积分数，amount_rmb 为支付金额（分）。
 # label 为空时不显示标签角标。
 recharge_options:
-  - { price: 1,    points: 100,  label: "测试", validity_days: 7 }
-  - { price: 500,  points: 100,  label: "入门", validity_days: 30 }
-  - { price: 1000, points: 220,  label: "热销", validity_days: 90 }
-  - { price: 3000, points: 650,  label: "推荐", validity_days: 180 }
-  - { price: 5000, points: 1200, label: "超值", validity_days: 365 }
-  - { price: 10000, points: 2500, label: "尊享", validity_days: 0 }
+  - { price: 100,  points: 100,   label: "",      validity_days: 180 }
+  - { price: 500,  points: 1000,  label: "热销",  validity_days: 180 }
+  - { price: 1000, points: 3000,  label: "推荐",  validity_days: 365 }
+  - { price: 5000, points: 25000, label: "超值",  validity_days: 0 }
 
 
 # ── 免费业务（不扣积分）───────────────────────────────

tauri-app/src/components/RechargeModal/RechargeModal.tsx

@@ -260,7 +260,7 @@ export default function RechargeModal({
         <div className="recharge-amount-label">选择充值金额</div>
         <div className="recharge-amount-grid">
           {isLoadingOptions || options.length === 0
-            ? Array.from({ length: 6 }).map((_, i) => (
+            ? Array.from({ length: 4 }).map((_, i) => (
                 <div key={`skeleton-${i}`} className="recharge-amount-card skeleton">
                   <div className="skeleton-price" />
                   <div className="skeleton-points" />