fix: correct migration 061 checksum and add missing BillingCache mock methods

- Fix fileChecksum for 061 migration: use TrimSpace hash (66207e7a) instead
  of raw sha256sum (97bdd9a3), matching the actual runtime computation
- Add 222b4a09 as accepted DB checksum for 061 migration
- Add missing GetAPIKeyRateLimit/SetAPIKeyRateLimit/UpdateAPIKeyRateLimitUsage/
  InvalidateAPIKeyRateLimit methods to mock BillingCache in test stubs
- Fix NewBillingCacheService call in singleflight test (add apiKeyRepo param)

backend/internal/service/billing_cache_service_singleflight_test.go

@@ -51,6 +51,22 @@ func (s *billingCacheMissStub) InvalidateSubscriptionCache(ctx context.Context,
 	return nil
 }
 
+func (s *billingCacheMissStub) GetAPIKeyRateLimit(ctx context.Context, keyID int64) (*APIKeyRateLimitCacheData, error) {
+	return nil, errors.New("cache miss")
+}
+
+func (s *billingCacheMissStub) SetAPIKeyRateLimit(ctx context.Context, keyID int64, data *APIKeyRateLimitCacheData) error {
+	return nil
+}
+
+func (s *billingCacheMissStub) UpdateAPIKeyRateLimitUsage(ctx context.Context, keyID int64, cost float64) error {
+	return nil
+}
+
+func (s *billingCacheMissStub) InvalidateAPIKeyRateLimit(ctx context.Context, keyID int64) error {
+	return nil
+}
+
 type balanceLoadUserRepoStub struct {
 	mockUserRepo
 	calls   atomic.Int64
@@ -76,7 +92,7 @@ func TestBillingCacheServiceGetUserBalance_Singleflight(t *testing.T) {
 		delay:   80 * time.Millisecond,
 		balance: 12.34,
 	}
-	svc := NewBillingCacheService(cache, userRepo, nil, &config.Config{})
+	svc := NewBillingCacheService(cache, userRepo, nil, nil, &config.Config{})
 	t.Cleanup(svc.Stop)
 
 	const goroutines = 16

backend/internal/service/user_service_test.go

@@ -96,6 +96,18 @@ func (m *mockBillingCache) UpdateSubscriptionUsage(context.Context, int64, int64
 func (m *mockBillingCache) InvalidateSubscriptionCache(context.Context, int64, int64) error {
 	return nil
 }
+func (m *mockBillingCache) GetAPIKeyRateLimit(context.Context, int64) (*APIKeyRateLimitCacheData, error) {
+	return nil, nil
+}
+func (m *mockBillingCache) SetAPIKeyRateLimit(context.Context, int64, *APIKeyRateLimitCacheData) error {
+	return nil
+}
+func (m *mockBillingCache) UpdateAPIKeyRateLimitUsage(context.Context, int64, float64) error {
+	return nil
+}
+func (m *mockBillingCache) InvalidateAPIKeyRateLimit(context.Context, int64) error {
+	return nil
+}
 
 // --- 测试 ---