feat(auth): fail-closed IAM store unless dev/test opt-in

Refuse MemoryStore fallback for main/empty/unknown env or missing
ALLOW_IN_MEMORY so production cannot silently use in-memory authority.

Co-authored-by: Cursor <cursoragent@cursor.com>

internal/auth/store_factory.go

@@ -2,6 +2,8 @@ package auth
 
 import (
 	"context"
+	"fmt"
+	"strings"
 
 	"github.com/jackc/pgx/v5/pgxpool"
 	"chat-agent-system/internal/config"
@@ -13,7 +15,17 @@ type Stores struct {
 	Sessions SessionStore
 }
 
+func allowInMemoryAuthFallback(cfg *config.Config) bool {
+	if cfg == nil || !cfg.AllowInMemory {
+		return false
+	}
+	env := strings.ToLower(strings.TrimSpace(cfg.Env))
+	return env == "dev" || env == "test"
+}
+
 // NewStores 根据数据库与 IAM 迁移状态选择 PG 或内存实现。
+// 仅当环境明确为 dev/test 且 AllowInMemory 时允许 MemoryStore；
+// 环境空值、未知值、main/prod、pool 缺失或 IAM 表未就绪时 fail closed。
 func NewStores(ctx context.Context, pool *pgxpool.Pool, cfg *config.Config) (*Stores, error) {
 	if pool != nil && IAMTablesReady(ctx, pool) {
 		pg, err := NewPgStore(pool, cfg)
@@ -25,6 +37,19 @@ func NewStores(ctx context.Context, pool *pgxpool.Pool, cfg *config.Config) (*St
 		}
 		return &Stores{Auth: pg, Sessions: pg}, nil
 	}
+	if allowInMemoryAuthFallback(cfg) {
 		mem := NewMemoryStore(cfg)
 		return &Stores{Auth: mem, Sessions: NewMemorySessionStore()}, nil
+	}
+	env := ""
+	if cfg != nil {
+		env = strings.TrimSpace(cfg.Env)
+	}
+	reason := "IAM tables not ready or database pool unavailable"
+	if pool == nil {
+		reason = "database pool is nil"
+	} else if !IAMTablesReady(ctx, pool) {
+		reason = "IAM tables not ready"
+	}
+	return nil, fmt.Errorf("auth store fail-closed: %s (env=%q); memory IAM fallback requires env=dev|test and ALLOW_IN_MEMORY=true", reason, env)
 }

internal/auth/store_factory_test.go

@@ -0,0 +1,62 @@
+package auth
+
+import (
+	"context"
+	"strings"
+	"testing"
+
+	"chat-agent-system/internal/config"
+)
+
+func TestNewStores_FailClosed_WhenIAMUnavailable(t *testing.T) {
+	ctx := context.Background()
+	cases := []struct {
+		name string
+		cfg  *config.Config
+	}{
+		{name: "main_nil_pool", cfg: &config.Config{Env: "main", AllowInMemory: false}},
+		{name: "prod_nil_pool", cfg: &config.Config{Env: "prod", AllowInMemory: false}},
+		{name: "empty_env_nil_pool", cfg: &config.Config{Env: "", AllowInMemory: true}},
+		{name: "unknown_env_nil_pool", cfg: &config.Config{Env: "staging", AllowInMemory: true}},
+		{name: "dev_without_opt_in", cfg: &config.Config{Env: "dev", AllowInMemory: false}},
+		{name: "test_without_opt_in", cfg: &config.Config{Env: "test", AllowInMemory: false}},
+	}
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			stores, err := NewStores(ctx, nil, tc.cfg)
+			if err == nil {
+				t.Fatalf("expected fail-closed error, got stores=%v", stores)
+			}
+			if stores != nil {
+				t.Fatalf("expected nil stores on failure, got %#v", stores)
+			}
+			if !strings.Contains(err.Error(), "IAM") && !strings.Contains(err.Error(), "memory") {
+				t.Fatalf("error should mention IAM/memory policy: %v", err)
+			}
+		})
+	}
+}
+
+func TestNewStores_AllowsMemoryOnlyWithDevTestOptIn(t *testing.T) {
+	ctx := context.Background()
+	for _, env := range []string{"dev", "test"} {
+		t.Run(env, func(t *testing.T) {
+			cfg := &config.Config{
+				Env:           env,
+				AllowInMemory: true,
+				AdminUsername: "admin",
+				AdminPassword: "admin-test-pass",
+			}
+			stores, err := NewStores(ctx, nil, cfg)
+			if err != nil {
+				t.Fatalf("expected memory fixture: %v", err)
+			}
+			if stores == nil || stores.Auth == nil || stores.Sessions == nil {
+				t.Fatal("expected auth+session stores")
+			}
+			if _, ok := stores.Auth.(*MemoryStore); !ok {
+				t.Fatalf("Auth should be MemoryStore, got %T", stores.Auth)
+			}
+		})
+	}
+}