[argszero]

Summary

Update docs/user-stories.md from v1.5 to v1.6 per host rant 2026-08-14T21:52:00 (点数锚定改为 1 点 ≈ 1 元人民币，消费点数可为小数).

Changes:

1. Point anchor: 1 点 ≈ 1 元人民币（CNY） replaces the old 1 USD = 1,000 点 (core mechanism table, US-2, scene description, alignment table)
2. Fractional consumption: consumption points can be decimal (e.g. -0.37 pts) — metered tokens × model unit price; balance & transaction amounts display 2 decimal places (rounded)
3. Model pricing rule: CNY models directly 1 元 = 1 点 (e.g. GLM-5.2 28 元/1M → 28 pts/1M); USD models converted at ~7.2 FX rate (e.g. OpenAI $25/1M ≈ 180 pts/1M)
4. US-1 / US-2 / US-6 / US-23 updated (CNY anchor display, decimal deduction, decimal amounts)
5. New edge case E-15 (小数计费精度): unified 2-decimal rounding (0.374 → 0.37, 0.375 → 0.38), consistent wallet/transactions display
6. Alignment table updated

Mechanism unchanged: daily gift 1 pt / 1-day validity / 10 consecutive days, earned & top-up permanent, gift-first deduction.

Related Issue

No issue — host rant 2026-08-14T21:52:00 (argszero/aitokenpool).

Changes

• 功能/修复说明：point anchor CNY + fractional consumption (docs v1.6)
• 涉及配置/数据结构的改动已同步示例文件：N/A (docs only; UI prototype follows in a separate PR)

Tests

• cargo test 全部通过 (1 passed)
• cargo fmt --check 通过
• 新增/更新了单元测试（如适用）：N/A — docs-only change

Checklist

• 分支命名符合约定：docs/points-anchor-cny
• Commit message 使用 Conventional Commits：docs: anchor points to CNY — 1pt ≈ 1 RMB, fractional consumption (v1.6)
• 单一职责，改动最小化