feat(saas): extend agent templates with soul_content, add /available endpoint, key pool cleanup, and industry seed templates

- Add 9 extended fields to AgentTemplateInfo: soul_content, scenarios,
  welcome_message, quick_commands, personality, communication_style,
  emoji, version, source_id
- Refactor service.rs to use sqlx::Row (manual column extraction) to
  avoid the 16-element tuple FromRow limit
- Add /api/v1/agent-templates/available (lightweight public listing)
  and /api/v1/agent-templates/:id/full endpoints
- Add 24h key_usage_window cleanup task in scheduler
- Update seed data with extended fields for all 5 existing templates
  plus new Medical Assistant template (healthcare category)

crates/zclaw-saas/src/agent_template/handlers.rs

@@ -34,6 +34,8 @@ pub async fn create_template(
     let visibility = req.visibility.as_deref().unwrap_or("public");
     let tools = req.tools.as_deref().unwrap_or(&[]);
     let capabilities = req.capabilities.as_deref().unwrap_or(&[]);
+    let scenarios = req.scenarios.as_deref().unwrap_or(&[]);
+    let quick_commands = req.quick_commands.as_deref().unwrap_or(&[]);
 
     let result = service::create_template(
         &state.db, &req.name, req.description.as_deref(),
@@ -41,6 +43,14 @@ pub async fn create_template(
         req.system_prompt.as_deref(),
         tools, capabilities,
         req.temperature, req.max_tokens, visibility,
+        req.soul_content.as_deref(),
+        Some(scenarios),
+        req.welcome_message.as_deref(),
+        Some(quick_commands),
+        req.personality.as_deref(),
+        req.communication_style.as_deref(),
+        req.emoji.as_deref(),
+        req.source_id.as_deref(),
     ).await?;
 
     log_operation(&state.db, &ctx.account_id, "agent_template.create", "agent_template", &result.id,
@@ -59,6 +69,26 @@ pub async fn get_template(
     Ok(Json(service::get_template(&state.db, &id).await?))
 }
 
+/// GET /api/v1/agent-templates/:id/full — 获取完整 Agent 模板（含扩展字段）
+pub async fn get_full_template(
+    State(state): State<AppState>,
+    Extension(ctx): Extension<AuthContext>,
+    Path(id): Path<String>,
+) -> SaasResult<Json<AgentTemplateInfo>> {
+    check_permission(&ctx, "model:read")?;
+    // Reuses the same get_template service which already returns all fields
+    Ok(Json(service::get_template(&state.db, &id).await?))
+}
+
+/// GET /api/v1/agent-templates/available — 列出公开可用模板（轻量级）
+pub async fn list_available(
+    State(state): State<AppState>,
+    Extension(ctx): Extension<AuthContext>,
+) -> SaasResult<Json<Vec<AvailableAgentTemplateInfo>>> {
+    check_permission(&ctx, "model:read")?;
+    Ok(Json(service::list_available(&state.db).await?))
+}
+
 /// POST /api/v1/agent-templates/:id — 更新 Agent 模板
 pub async fn update_template(
     State(state): State<AppState>,
@@ -79,6 +109,13 @@ pub async fn update_template(
         req.max_tokens,
         req.visibility.as_deref(),
         req.status.as_deref(),
+        req.soul_content.as_deref(),
+        req.scenarios.as_deref(),
+        req.welcome_message.as_deref(),
+        req.quick_commands.as_deref(),
+        req.personality.as_deref(),
+        req.communication_style.as_deref(),
+        req.emoji.as_deref(),
     ).await?;
 
     log_operation(&state.db, &ctx.account_id, "agent_template.update", "agent_template", &id,