feat: implement user balance management with hooks and store

hooks/use-user-balance.ts

@@ -0,0 +1,27 @@
+import { useEffect } from 'react'
+
+import { useUserBalanceStore } from '@/stores/userBalanceStore'
+
+/**
+ * 用户积分余额 Hook
+ * 提供积分余额的获取和管理功能
+ */
+export const useUserBalance = () => {
+  const { balance, loading, error, load, startPolling, stopPolling, deductBalance } = useUserBalanceStore()
+
+  // 组件挂载时开始轮询，卸载时停止
+  useEffect(() => {
+    startPolling()
+    return () => {
+      stopPolling()
+    }
+  }, [startPolling, stopPolling])
+
+  return {
+    balance,
+    loading,
+    error,
+    load,
+    deductBalance,
+  }
+}