fix(account): 修正退避时间为 5min/15min/1h/2h

backend/app/plugin/module_payment/account/service.py

@@ -1118,7 +1118,7 @@ class AccountService:
 
 
     # ─────────── 退避时间映射 ───────────
-    _RETRY_INTERVALS = [5, 10, 30, 60]  # 分钟: retry_count 0→1, 1→2, 2→3, 3 判 FAIL
+    _RETRY_INTERVALS = [5, 10, 45, 60]  # 累计: +5min, +15min, +1h, +2h
 
     @classmethod
     async def retry_dealing_transfers(cls) -> dict: