feat(auth,gateway,user): X-API-Key 真接线 + key 一律超管 + owner 档案真落盘（裁决 15.4.2/15.4.3/10.4.5/08.4.2）

- 15.4.2：管理 API 与 Bearer 共用同一 Authorize 路径，X-API-Key 命中签发表即过门；未知/已吊销/空值 401 且不回落 Bearer（fail-closed）
- 15.4.3：key 表去掉角色维度，任一有效 key 鉴权后即 owner；签发接口取消 role 分级（不再读请求体）
- 10.4.5：新增 GET/PUT /api/v1/admin/owner-profile（owner-only，PUT 带审计 owner.profile.update），0600 原子落盘 + 活档案热替换；前端主人档案改接真实 API，读不到即禁用保存，删掉硬编码默认档案
- 08.4.2：persona 的 identity.systemPrompt 必填，缺失/空白 400 显式报错，不再派生回落

internal/auth/rbac_test.go

@@ -3,6 +3,8 @@ package auth
 import (
 	"context"
 	"encoding/json"
+	"io"
+	"log/slog"
 	"net/http"
 	"net/http/httptest"
 	"strings"
@@ -172,3 +174,133 @@ func TestClaimsFromContext_Missing(t *testing.T) {
 		t.Fatal("ClaimsFromContext on empty ctx should return ok=false")
 	}
 }
+
+// --- X-API-Key 分支（裁决 15.4.2 / 15.4.3）-----------------------------------
+
+// discardLog 是中间件测试用的丢弃型 logger（不产出日志噪声）。
+func discardLog() *slog.Logger {
+	return slog.New(slog.NewTextHandler(io.Discard, nil))
+}
+
+// keyDoor 构建「Bearer + X-API-Key」双凭据门。
+func keyDoor(keys KeyTable, required ...Role) func(http.Handler) http.Handler {
+	return WithAPIKey(keys, New(testConfig("")).Authorize(required...), discardLog(), required...)
+}
+
+// doAPIKey 发一个只带 `X-API-Key` 头的请求。
+func doAPIKey(h http.Handler, key string) *httptest.ResponseRecorder {
+	req := httptest.NewRequest(http.MethodGet, "/", nil)
+	req.Header.Set(apiKeyHeader, key)
+	rr := httptest.NewRecorder()
+	h.ServeHTTP(rr, req)
+	return rr
+}
+
+// TestWithAPIKey_ValidKeyPassesOwnerGate 是 15.4.2 的核心断言：签发出去的 key
+// 真的能用，并且拿到 owner 级（15.4.3），Sub 是脱敏 id 而不是密钥明文。
+func TestWithAPIKey_ValidKeyPassesOwnerGate(t *testing.T) {
+	t.Parallel()
+	keys := newTestAPIKey()
+	key, err := keys.Generate()
+	if err != nil {
+		t.Fatalf("Generate error: %v", err)
+	}
+	rr := doAPIKey(keyDoor(keys, RoleOwner)(claimsHandler(t)), key)
+	responseCode(t, rr, http.StatusOK)
+	if got := rr.Header().Get("X-Claims-Role"); got != string(RoleOwner) {
+		t.Errorf("X-Claims-Role = %q, want owner", got)
+	}
+	if got := rr.Header().Get("X-Claims-Sub"); got != apiKeySubPrefix+MaskKey(key) {
+		t.Errorf("X-Claims-Sub = %q, want masked id %q", got, apiKeySubPrefix+MaskKey(key))
+	}
+	if strings.Contains(rr.Header().Get("X-Claims-Sub"), key) {
+		t.Error("claims Sub leaked the key material")
+	}
+}
+
+// TestWithAPIKey_UnknownKeyRejected 断言未知 key 一律 401，且**即使同时带着一份
+// 合法 Bearer 也不回落** —— fail-closed，坏 key 不能借道另一份凭据混过门。
+func TestWithAPIKey_UnknownKeyRejected(t *testing.T) {
+	t.Parallel()
+	keys := newTestAPIKey()
+	door := keyDoor(keys, RoleOwner)
+	rr := doAPIKey(door(claimsHandler(t)), "not-a-key")
+	responseCode(t, rr, http.StatusUnauthorized)
+	assertErrorCode(t, rr, "unauthorized")
+
+	svc := New(testConfig(""))
+	tok, err := svc.Sign("u", RoleOwner, time.Hour)
+	if err != nil {
+		t.Fatalf("Sign error: %v", err)
+	}
+	req := httptest.NewRequest(http.MethodGet, "/", nil)
+	req.Header.Set(apiKeyHeader, "not-a-key")
+	req.Header.Set("Authorization", bearerHeader(tok))
+	rec := httptest.NewRecorder()
+	WithAPIKey(keys, svc.Authorize(RoleOwner), discardLog(), RoleOwner)(claimsHandler(t)).ServeHTTP(rec, req)
+	responseCode(t, rec, http.StatusUnauthorized)
+}
+
+// TestWithAPIKey_RevokedKeyRejected 断言吊销后的 key 立即失效（能发也能废）。
+func TestWithAPIKey_RevokedKeyRejected(t *testing.T) {
+	t.Parallel()
+	keys := newTestAPIKey()
+	key, err := keys.Generate()
+	if err != nil {
+		t.Fatalf("Generate error: %v", err)
+	}
+	door := keyDoor(keys, RoleOwner)
+	responseCode(t, doAPIKey(door(claimsHandler(t)), key), http.StatusOK)
+	keys.Revoke(key)
+	responseCode(t, doAPIKey(door(claimsHandler(t)), key), http.StatusUnauthorized)
+}
+
+// TestWithAPIKey_EmptyHeaderValueRejected 断言该头出现但值为空时按无效凭据拒绝，
+// 而不是被当成「没带 key」悄悄回落到 Bearer。
+func TestWithAPIKey_EmptyHeaderValueRejected(t *testing.T) {
+	t.Parallel()
+	keys := newTestAPIKey()
+	if _, err := keys.Generate(); err != nil {
+		t.Fatalf("Generate error: %v", err)
+	}
+	rr := doAPIKey(keyDoor(keys, RoleOwner)(claimsHandler(t)), "")
+	responseCode(t, rr, http.StatusUnauthorized)
+}
+
+// TestWithAPIKey_NilTableRejectsKeyHeader 断言 key 表未注入时带 key 的请求一律
+// 拒绝（表不在 = 表为空），不带 key 的请求则照旧走 Bearer。
+func TestWithAPIKey_NilTableRejectsKeyHeader(t *testing.T) {
+	t.Parallel()
+	svc := New(testConfig(""))
+	door := WithAPIKey(nil, svc.Authorize(RoleOwner), discardLog(), RoleOwner)
+	responseCode(t, doAPIKey(door(claimsHandler(t)), "any-key"), http.StatusUnauthorized)
+
+	tok, err := svc.Sign("u", RoleOwner, time.Hour)
+	if err != nil {
+		t.Fatalf("Sign error: %v", err)
+	}
+	rr := doAuth(door(claimsHandler(t)), tok)
+	responseCode(t, rr, http.StatusOK)
+}
+
+// TestWithAPIKey_BearerPathUnchanged 断言不带该头时行为与纯 Bearer 门逐字一致：
+// 角色不足仍 403、缺凭据仍 401。
+func TestWithAPIKey_BearerPathUnchanged(t *testing.T) {
+	t.Parallel()
+	svc := New(testConfig(""))
+	keys := newTestAPIKey()
+	door := WithAPIKey(keys, svc.Authorize(RoleOwner), discardLog(), RoleOwner)
+
+	admin, err := svc.Sign("u", RoleAdmin, time.Hour)
+	if err != nil {
+		t.Fatalf("Sign error: %v", err)
+	}
+	responseCode(t, doAuth(door(claimsHandler(t)), admin), http.StatusForbidden)
+	responseCode(t, doAuth(door(claimsHandler(t)), ""), http.StatusUnauthorized)
+
+	owner, err := svc.Sign("u", RoleOwner, time.Hour)
+	if err != nil {
+		t.Fatalf("Sign error: %v", err)
+	}
+	responseCode(t, doAuth(door(claimsHandler(t)), owner), http.StatusOK)
+}