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+APP_ENV=development
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+APP_HOST=127.0.0.1
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+APP_PORT=8000
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+APP_TIMEZONE=Asia/Shanghai
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+APP_CORS_ORIGINS=["http://127.0.0.1:5173","http://127.0.0.1:5174"]
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+
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+MYSQL_HOST=127.0.0.1
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+MYSQL_PORT=3306
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+MYSQL_USER=root
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+MYSQL_PASSWORD=xxxxxxxx
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+MYSQL_CORE_DATABASE=insurance_s3_core
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+MYSQL_AGENT_DATABASE=insurance_s3_agent
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+MYSQL_ANALYTICS_DATABASE=insurance_s3_analytics
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+
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+REDIS_URL=redis://127.0.0.1:6379/0
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+REDIS_PREFIX=ins:s3:
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+REFUND_WORKER_SINGLETON=true
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+REFUND_WORKER_HEARTBEAT_SECONDS=10
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+REFUND_WORKER_INSTANCE_TTL_SECONDS=30
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+MILVUS_URI=http://127.0.0.1:19530
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+MILVUS_TOKEN=
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+MILVUS_COLLECTION_PREFIX=ins_s3_
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+BGE_M3_MODEL_PATH=BAAI/bge-m3
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+BGE_M3_DEVICE=cpu
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+BGE_RERANKER_MODEL_PATH=BAAI/bge-reranker-v2-m3
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+BGE_RERANKER_DEVICE=cpu
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+EMBEDDING_DIMENSION=1024
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+KNOWLEDGE_CANDIDATE_MULTIPLIER=4
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+
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+JWT_ACCESS_SECRET=replace-with-at-least-32-characters
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+JWT_REFRESH_SECRET=replace-with-another-at-least-32-characters
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+FIELD_ENCRYPTION_KEY=replace-with-at-least-32-characters
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+DEV_FIXED_OTP=147258
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+DEV_TOOLS_ENABLED=true
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+
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+DEEPSEEK_API_KEY=xxxxxxxxx
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+DEEPSEEK_BASE_URL=https://api.deepseek.com
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+DEEPSEEK_MODEL=deepseek-v4-flash
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+DASHSCOPE_API_KEY=xxxxxxxxxxxx
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+DASHSCOPE_BASE_URL=https://dashscope.aliyuncs.com/compatible-mode/v1
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+DASHSCOPE_VISION_MODEL=qwen3.5-plus
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+
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+LANGSMITH_TRACING=true
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+LANGSMITH_API_KEY=xxxxxxxxxxxxxxxxxxxxxxxxxx
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+LANGSMITH_ENDPOINT=https://api.smith.langchain.com
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+LANGSMITH_PROJECT=智保通-第三阶段-智能保全与退款编排
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