feat: 멀티테넌트 1단계 — 사용자별 KIS 계좌·포트폴리오·수동매매 (MULTI_TENANT_ENABLED 기본 OFF)

설계: docs/multi_tenant_design.md / 검수: docs/multi_tenant_phase1_review.md (High 0, MT=False 배포 가능)

데이터·인프라
- user_kis_credentials(Fernet 암호화, PBKDF2 키 파생, key_version), stock_bans_v2 신설,
  portfolio/trade_history/active_trades/trade_journals/trading_sessions 등 user_id nullable 추가
- alembic 0009~0011(idempotent, legacy owner 백필). main.py 기동 시 portfolio.user_id 스키마 검사(H1)
- Jenkinsfile: DB Migration 을 Deploy 앞으로, alembic 이력 없으면 stamp 0008 후 upgrade(N1)
- bootstrap: users 비어 있으면 BOOTSTRAP_ADMIN_* 로 관리자 시드 + .env KIS 자격증명 이관 + 백필(SAVEPOINT)

백엔드
- core/crypto.py, core/tenant_auth.py(get_current_user — 비활성 사용자 401, API 키→legacy owner,
  deny_non_owner_session_when_mt), core/dt_utils.py
- services/tenant: context, kis_pool, registry(UserContextRegistry, 락 최소화·복호화 to_thread), risk_factory
- KoreaInvestmentAPI.for_user(사용자별 인스턴스, 토큰캐시 users/{id}/, 시세는 공용 위임)
- trade_executor.safe_place_order_v2(사용자별 락/세마포어, legacy ctx 는 기존 키)
- mdd_manager/loss_tracker _v2 + ban_until tz-aware/naive 경계 정규화(레거시 경로 버그 포함 수정)
- db_worker: payload user_id 옵션 필터, upsert_stock_ban_v2, legacy ActiveTrade 조회 LIMIT 1
- API: /account/credentials(등록·마스킹조회·삭제·연결테스트·자동매매), /auth/admin/tenant/*,
  /portfolio/v2(조회·요약·sync·buy·sell), /trades/v2(+pending). PortfolioResponse Optional 수정

프론트
- /account 내 계좌 설정, useTenantMode(세션=v2 / API키=legacy, 미확정 시 쿼리·버튼 비활성),
  계좌 미등록 인라인 안내, v2 매수/매도/거래이력 분기

테스트: tests/integration(격리 Postgres, KIS 전면 mock) 20 passed / 1 xfailed(0012 이전 제약)
2단계(스케줄러 사용자화·legacy 라우터 격리) 전까지 MULTI_TENANT_ENABLED=True 전환 금지

Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>

frontend/src/pages/Dashboard.tsx

@@ -25,13 +25,17 @@ import api from '../lib/api'
 import { useWebSocket } from '../hooks/useWebSocket'
 import { usePortfolioData } from '../hooks/usePortfolioData'
 import { useMarketData } from '../hooks/useMarketData'
-import { useTradeActions } from '../hooks/useTradeActions'
+import { useTradeActions, TradeActionError } from '../hooks/useTradeActions'
+import { useAccountSetupStatus } from '../hooks/useAccountSetupStatus'
+import { useTenantMode } from '../lib/tenant'
+import { getTradesV2 } from '../lib/api'
 import { PortfolioSummary } from '../components/PortfolioSummary'
 import PortfolioPanel from '../components/PortfolioPanel'
 import ChartPanel, { AiAnalysisPanel } from '../components/ChartPanel'
 import OrderbookPanel from '../components/OrderbookPanel'
 import RecommendationPanel from '../components/RecommendationPanel'
 import JournalPanel from '../components/JournalPanel'
+import AccountSetupNotice from '../components/AccountSetupNotice'
 import { CandleData, Position, TradeHistory } from '../types/trading'
 import { isUsStock } from '../utils/stockUtils'
 import './Dashboard.css'
@@ -123,8 +127,16 @@ const Dashboard = () => {
         portfolioSummary,
         portfolioSummaryError,
         invalidatePortfolio,
+        accountSetupRequired,
+        accountSetupMessage,
     } = usePortfolioData()
 
+    // v2(로그인 세션) 사용자의 KIS 계좌 등록/검증 상태 — 매수/매도 시도 전 선제 안내용
+    const accountStatus = useAccountSetupStatus()
+    const { mode: tenantMode } = useTenantMode()
+    // 매수/매도 액션 중 계좌 미등록/미검증(400/423)을 받으면 배너로 노출 (alert 대체)
+    const [tradeAccountNotice, setTradeAccountNotice] = useState<string | null>(null)
+
     // Market data hook (with throttled live prices and market update handler)
     const {
         livePrices,
@@ -210,7 +222,42 @@ const Dashboard = () => {
     }, [processChartData])
 
     // Trade actions hook
-    const { handleSell, handleBuy, resetPendingTrades } = useTradeActions()
+    // isReady=false(useTenantMode 확정 전)면 매수/매도/미체결정리 버튼을 모두 disabled 처리
+    const { handleSell, handleBuy, resetPendingTrades, isReady: tradeActionsReady } = useTradeActions()
+
+    // 계좌 미등록/미검증(400/423)은 상단 배너로 흡수하고, 그 외 에러는 그대로 전파해
+    // 각 패널의 기존 alert 처리(다른 실패 사유)가 계속 동작하도록 한다.
+    const handleBuyGuarded = useCallback(
+        async (stockCode: string, stockName: string) => {
+            try {
+                await handleBuy(stockCode, stockName)
+            } catch (error: unknown) {
+                const err = error as TradeActionError
+                if (err.isAccountSetupRequired) {
+                    setTradeAccountNotice(err.response?.data?.detail || '자동매매가 비활성화 상태입니다. 내 계좌 설정에서 계좌를 등록·검증하세요.')
+                    return
+                }
+                throw error
+            }
+        },
+        [handleBuy]
+    )
+
+    const handleSellGuarded = useCallback(
+        async (stockCode: string, stockName: string, quantity: number) => {
+            try {
+                await handleSell(stockCode, stockName, quantity)
+            } catch (error: unknown) {
+                const err = error as TradeActionError
+                if (err.isAccountSetupRequired) {
+                    setTradeAccountNotice(err.response?.data?.detail || '자동매매가 비활성화 상태입니다. 내 계좌 설정에서 계좌를 등록·검증하세요.')
+                    return
+                }
+                throw error
+            }
+        },
+        [handleSell]
+    )
 
     // Subscribe to market data via WebSocket
     // reconnect 감지: wsConnected가 false→true 전환 시 강제 재구독
@@ -352,10 +399,13 @@ const Dashboard = () => {
 
     // 거래 이력 - 30초 (자동매매 체결 감지용)
     const { data: tradeHistory } = useQuery({
-        queryKey: ['trade-history'],
+        queryKey: ['trade-history', tenantMode],
         queryFn: async () => {
-            const data = (await api.get('/trades', { params: { limit: 50 } }))
-                .data as TradeHistory[]
+            const data = (
+                tenantMode === 'v2'
+                    ? await getTradesV2({ limit: 50 })
+                    : await api.get('/trades', { params: { limit: 50 } })
+            ).data as TradeHistory[]
 
             const seen = new Set<number>()
             return data
@@ -366,6 +416,8 @@ const Dashboard = () => {
                 })
                 .slice(0, 20)
         },
+        // M5: mode 미확정(undefined) 동안은 v2/legacy 어느 쪽으로도 조회하지 않음
+        enabled: tenantMode !== undefined,
         staleTime: 0,
         refetchInterval: isMarketOpen ? 30000 : false,
         refetchOnWindowFocus: true,
@@ -719,7 +771,16 @@ const Dashboard = () => {
                             ))}
                         </div>
                     </div>
-                    <PortfolioSummary summary={liveSummary} error={portfolioSummaryError?.message ?? null} todayTradeStats={todayTradeStats} />
+                    {tradeAccountNotice && (
+                        <AccountSetupNotice message={tradeAccountNotice} className="mb-2" />
+                    )}
+                    <PortfolioSummary
+                        summary={liveSummary}
+                        error={portfolioSummaryError?.message ?? null}
+                        todayTradeStats={todayTradeStats}
+                        accountSetupRequired={accountSetupRequired || accountStatus.required}
+                        accountSetupMessage={accountSetupMessage || accountStatus.message}
+                    />
                 </div>
 
                 <div className="grid grid-cols-12 gap-3 flex-1 min-h-0">
@@ -732,7 +793,10 @@ const Dashboard = () => {
                             selectedStock={selectedStock}
                             onSelectStock={handleSelectStock}
                             onRefetchAiAnalysis={stableRefetchAiAnalysis}
-                            onSell={handleSell}
+                            onSell={handleSellGuarded}
+                            sellDisabled={!tradeActionsReady}
+                            accountSetupRequired={accountSetupRequired || accountStatus.required}
+                            accountSetupMessage={accountSetupMessage || accountStatus.message}
                         />
                     </div>
 
@@ -770,12 +834,14 @@ const Dashboard = () => {
                             heldStockCodes={heldStockCodes}
                             pendingBuyStockCodes={pendingBuyStockCodes}
                             livePrices={livePrices}
-                            onBuy={handleBuy}
+                            onBuy={handleBuyGuarded}
+                            buyDisabled={!tradeActionsReady}
                         />
                         <JournalPanel
                             journals={journals}
                             tradeHistory={tradeHistory}
                             onResetPending={resetPendingTrades}
+                            resetDisabled={!tradeActionsReady}
                         />
                     </div>
                 </div>