fix: 三端联调测试 2 P0 + 6 P1 + 2 P2 修复

P0-1: SaaS relay 模型别名解析 — "glm-4-flash" → "glm-4-flash-250414" (resolve_model)
P0-2: config.rs interpolate_env_vars UTF-8 修复 (chars 迭代器替代 bytes as char)
      + DB 启动编码检查 + docker-compose UTF-8 编码参数

P1-3: UI 模型选择器覆盖 Agent 默认模型 (model_override 全链路: TS→Tauri→Rust kernel)
P1-6: 知识搜索管道修复 — seed_knowledge 创建 chunks + 默认分类 (seed/uploaded/distillation)
P1-7: 用量限额从当前 Plan 读取 (非 stale usage 表)
P1-8: relay 双维度配额检查 (relay_requests + input_tokens)

P2-9: SSE 路径 token 计数修复 — 流结束检测替代固定 500ms sleep + billing increment

crates/zclaw-saas/src/billing/service.rs

@@ -282,19 +282,26 @@ pub async fn increment_dimension_by(
 }
 
 /// 检查用量配额
+///
+/// P1-7 修复: 从当前 Plan 读取限额（而非 stale 的 usage 表冗余列）
+/// P1-8 修复: 支持 relay_requests + input_tokens 双维度检查
 pub async fn check_quota(
     pool: &PgPool,
     account_id: &str,
     quota_type: &str,
 ) -> SaasResult<QuotaCheck> {
     let usage = get_or_create_usage(pool, account_id).await?;
+    // 从当前 Plan 读取真实限额，而非 usage 表的 stale 冗余列
+    let plan = get_account_plan(pool, account_id).await?;
+    let limits: crate::billing::types::PlanLimits = serde_json::from_value(plan.limits)
+        .unwrap_or_else(|_| crate::billing::types::PlanLimits::free());
 
     let (current, limit) = match quota_type {
-        "input_tokens" => (usage.input_tokens, usage.max_input_tokens),
-        "output_tokens" => (usage.output_tokens, usage.max_output_tokens),
-        "relay_requests" => (usage.relay_requests as i64, usage.max_relay_requests.map(|v| v as i64)),
-        "hand_executions" => (usage.hand_executions as i64, usage.max_hand_executions.map(|v| v as i64)),
-        "pipeline_runs" => (usage.pipeline_runs as i64, usage.max_pipeline_runs.map(|v| v as i64)),
+        "input_tokens" => (usage.input_tokens, limits.max_input_tokens_monthly),
+        "output_tokens" => (usage.output_tokens, limits.max_output_tokens_monthly),
+        "relay_requests" => (usage.relay_requests as i64, limits.max_relay_requests_monthly.map(|v| v as i64)),
+        "hand_executions" => (usage.hand_executions as i64, limits.max_hand_executions_monthly.map(|v| v as i64)),
+        "pipeline_runs" => (usage.pipeline_runs as i64, limits.max_pipeline_runs_monthly.map(|v| v as i64)),
         _ => return Ok(QuotaCheck {
             allowed: true,
             reason: None,
@@ -309,7 +316,7 @@ pub async fn check_quota(
 
     Ok(QuotaCheck {
         allowed,
-        reason: if !allowed { Some(format!("{} 配额已用尽", quota_type)) } else { None },
+        reason: if !allowed { Some(format!("{} 配额已用尽 (已用 {}/{})", quota_type, current, limit.unwrap_or(0))) } else { None },
         current,
         limit,
         remaining,