fix：参考金值，研听，研值工程通用通用工程公共能力，重点对比网络请求、登录认证、状态管理、本地存储、WebView、推送、版本更新、一键登录、主题/UI 等模块，确定后续统一整改方案

lib/features/assets/data/mock_asset_repository.dart

@@ -1,14 +1,91 @@
+import 'dart:convert';
+
 import 'package:hooks_riverpod/hooks_riverpod.dart';
 
 import '../../../common/domain/metal_type.dart';
+import '../../../common/storage/preferences_storage.dart';
+import '../../../common/storage/storage_keys.dart';
 import 'asset_models.dart';
 
 final mockAssetRepositoryProvider = Provider<MockAssetRepository>(
-  (ref) => MockAssetRepository(),
+  (ref) => MockAssetRepository(ref.watch(preferencesStorageProvider)),
 );
 
 class MockAssetRepository {
-  List<GoldAssetHolding> loadHoldings() {
+  MockAssetRepository(this._preferences);
+
+  static const guestAccountScope = 'guest';
+
+  final PreferencesStorage _preferences;
+  Future<void> _operationTail = Future<void>.value();
+
+  static String accountScope({String? userId, String? phone}) {
+    final normalizedUserId = userId?.trim() ?? '';
+    if (normalizedUserId.isNotEmpty) return 'id:$normalizedUserId';
+    final normalizedPhone = phone?.trim() ?? '';
+    if (normalizedPhone.isNotEmpty) return 'phone:$normalizedPhone';
+    return guestAccountScope;
+  }
+
+  static String holdingsStorageKey(String accountScope) =>
+      '$storageJinzhiHoldings:${Uri.encodeComponent(accountScope)}';
+
+  static String deletedStorageKey(String accountScope) =>
+      '$storageJinzhiHoldingsDeleted:${Uri.encodeComponent(accountScope)}';
+
+  List<GoldAssetHolding> loadHoldings(String accountScope) {
+    if (_preferences.getBool(deletedStorageKey(accountScope))) return [];
+    final encoded = _preferences.getString(holdingsStorageKey(accountScope));
+    if (encoded == null || encoded.isEmpty) return _seedHoldings();
+    try {
+      final decoded = jsonDecode(encoded);
+      if (decoded is! List) return _seedHoldings();
+      return [
+        for (final item in decoded)
+          GoldAssetHolding.fromJson(Map<String, Object?>.from(item as Map)),
+      ];
+    } catch (_) {
+      return _seedHoldings();
+    }
+  }
+
+  Future<void> saveHoldings(
+    String accountScope,
+    List<GoldAssetHolding> holdings,
+  ) async {
+    final encoded = jsonEncode([
+      for (final holding in holdings) holding.toJson(),
+    ]);
+    await _serialize(() async {
+      await _preferences.setString(holdingsStorageKey(accountScope), encoded);
+      await _preferences.remove(deletedStorageKey(accountScope));
+    });
+  }
+
+  Future<void> deleteAccountHoldings(String accountScope) async {
+    await _serialize(() async {
+      final scopes = {accountScope, guestAccountScope};
+      await Future.wait([
+        for (final scope in scopes) ...[
+          _preferences.remove(holdingsStorageKey(scope)),
+          _preferences.setBool(deletedStorageKey(scope), true),
+        ],
+        // Remove the pre-account-scoping key left by earlier builds.
+        _preferences.remove(storageJinzhiHoldings),
+      ]);
+    });
+  }
+
+  Future<T> _serialize<T>(Future<T> Function() operation) {
+    final result = _operationTail.then((_) => operation());
+    _operationTail = result.then<void>(
+      (_) {},
+      onError: (Object _, StackTrace _) {},
+    );
+    return result;
+  }
+
+  List<GoldAssetHolding> _seedHoldings() {
     final now = DateTime(2026, 6, 18, 16, 11);
     return [
       GoldAssetHolding(