refactor: 重构项目分包结构与资源管理

1.  调整页面路由，将业务页面迁移到对应分包，主包仅保留首页
2.  拆分公共服务模块，将账户、融资相关逻辑移入对应分包
3.  统一资源路径，将专属静态资源放入各分包static目录，更新导航栏图标资源
4.  修复启动引导逻辑，实现仅首次冷启动显示引导页
5.  更新README文档，补充分包配置与开发规范说明

packages/account/services/auth.uts

@@ -0,0 +1,35 @@
+import { API_BASE_URL, wait, requestJson } from '@/services/api.uts'
+export { API_BASE_URL, saveSession } from '@/services/api.uts'
+
+export async function requestSmsCode(phone: string): Promise<boolean> {
+	if (API_BASE_URL.length == 0) {
+		await wait(350)
+		return phone.length == 11
+	}
+	await requestJson('/auth/sms-code', 'POST', { phone })
+	return true
+}
+
+export async function loginWithSms(phone: string, code: string): Promise<string> {
+	if (API_BASE_URL.length == 0) {
+		await wait(300)
+		if (code.length != 6) throw new Error('验证码应为 6 位数字')
+		return 'demo-sms-token'
+	}
+	const result = await requestJson('/auth/sms-login', 'POST', { phone, code })
+	const token = result['token'] as string | null
+	if (token == null || token.length == 0) throw new Error('登录响应缺少 token')
+	return token
+}
+
+export async function loginWithPassword(phone: string, password: string): Promise<string> {
+	if (API_BASE_URL.length == 0) {
+		await wait(300)
+		return 'demo-password-token'
+	}
+	const result = await requestJson('/auth/password-login', 'POST', { phone, password })
+	const token = result['token'] as string | null
+	if (token == null || token.length == 0) throw new Error('登录响应缺少 token')
+	return token
+}
+