refactor(pay): 重构账户余额查询接口并添加单元测试

- 创建 RequestHeaderBuilder Trait 以简化请求头构建逻辑
- 在 AccountBalanceRepo 中使用 RequestHeaderBuilder Trait
- 添加 QueryPointBalanceTest 单元测试用例

tests/Feature/Account/QueryPointBalanceTest.php

@@ -0,0 +1,24 @@
+<?php
+
+/**
+ * QueryPointBalanceTest.php@Pay
+ *
+ * @author 李东云 <Dongyun.Li@LuxCreo.Ai>
+ * Powered by PhpStorm
+ * Created on 2025/8/18
+ */
+
+use Singularity\HDK\Pay\Domain\Account\Aggregate\ValueObject\PointsBalance;
+use Singularity\HDK\Pay\Domain\Account\Enum\PointType;
+use Singularity\HDK\Pay\Infratracture\Repository\AccountBalanceRepo;
+
+use function Hyperf\Support\make;
+
+it('should query point balance', function () {
+    $uid = 'cn3221';
+    $repo = make(AccountBalanceRepo::class);
+    $point_balance = $repo->getPointBalance($uid, PointType::EMA);
+    expect($point_balance)
+        ->toBeInstanceOf(PointsBalance::class)
+        ->and($point_balance->getType())->toBe(PointType::EMA);
+})->only();