refactor: schemas 抽取（DTO 从 models.py 与路由内联迁至 api/schemas/）

- 新建 api/schemas/：auth/agents/admin/ecosystem/investor/opc/operator/org/portals
- models.py 移除 15 个 Pydantic DTO（保留 ORM 数据模型层）
- 13 个路由内联 DTO 全部迁出，路由瘦身仅剩处理逻辑
- 全量 66 测试通过

app/api/schemas/opc.py

@@ -0,0 +1,26 @@
+from pydantic import BaseModel
+
+class BidRequest(BaseModel):
+    quote: int = 0
+    plan: str = ""
+
+
+
+class ProfileUpdate(BaseModel):
+    nickname: str | None = None
+    account: str | None = None
+    company: str | None = None
+    room: str | None = None
+    skills: list[str] = []
+    credit_score: int | None = None
+
+
+
+class FinanceRecordCreate(BaseModel):
+    category: str = "income"  # income | expense
+    amount: int
+    date: str = ""
+    note: str = ""
+
+
+