fix mobile task rules and feature availability

internal/finance/service.go

@@ -803,7 +803,10 @@ func (s *Service) ensureWithdrawalEnabled(ctx context.Context, tenantID int64) e
 		return err
 	}
 	var config map[string]any
-	if json.Unmarshal(raw, &config) != nil || !findBool(config, "withdrawal_enabled", "withdrawalEnabled", "WITHDRAWAL") {
+	if json.Unmarshal(raw, &config) != nil {
+		config = map[string]any{}
+	}
+	if enabled, found := findBoolValue(config, "withdrawal_enabled", "withdrawalEnabled", "WITHDRAWAL"); found && !enabled {
 		return store.ErrWithdrawalDisabled
 	}
 	return nil
@@ -1142,25 +1145,28 @@ func allDigits(value string) bool {
 	return value != ""
 }
 
-func findBool(config map[string]any, keys ...string) bool {
+func findBoolValue(config map[string]any, keys ...string) (bool, bool) {
 	for _, key := range keys {
 		for candidate, value := range config {
 			if strings.EqualFold(candidate, key) {
 				switch typed := value.(type) {
 				case bool:
-					return typed
+					return typed, true
 				case float64:
-					return typed == 1
+					return typed == 1, true
 				case string:
-					return typed == "1" || strings.EqualFold(typed, "true") || strings.EqualFold(typed, "on")
+					return typed == "1" || strings.EqualFold(typed, "true") || strings.EqualFold(typed, "on"), true
 				}
+				return false, true
 			}
 		}
 	}
 	for _, value := range config {
-		if nested, ok := value.(map[string]any); ok && findBool(nested, keys...) {
-			return true
+		if nested, ok := value.(map[string]any); ok {
+			if result, found := findBoolValue(nested, keys...); found {
+				return result, true
+			}
 		}
 	}
-	return false
+	return false, false
 }

internal/finance/service_test.go

@@ -118,11 +118,18 @@ func TestQuoteCalculatesRateFeeAndLimits(t *testing.T) {
 	}
 }
 
-func TestQuoteFailsClosed(t *testing.T) {
+func TestQuoteDefaultsToEnabledWithoutWithdrawalSwitch(t *testing.T) {
 	service := &Service{repository: &fakeRepository{config: json.RawMessage(`{}`)}, ready: true, now: time.Now}
+	if err := service.ensureWithdrawalEnabled(context.Background(), 0); err != nil {
+		t.Fatalf("missing switch should default to enabled, got %v", err)
+	}
+}
+
+func TestQuoteHonorsExplicitDisabledWithdrawalSwitch(t *testing.T) {
+	service := &Service{repository: &fakeRepository{config: json.RawMessage(`{"features":{"withdrawal_enabled":false}}`)}, ready: true, now: time.Now}
 	_, err := service.Quote(context.Background(), 0, 1, QuoteInput{PaymentAccountID: 1, Amount: 100, Currency: "CNY"})
 	if !errors.Is(err, store.ErrWithdrawalDisabled) {
-		t.Fatalf("expected disabled error, got %v", err)
+		t.Fatalf("expected explicitly disabled withdrawal, got %v", err)
 	}
 }