feat: add wallet and recharge cards

2026-05-01 01:14:10 +05:30 · 2026-05-01 02:31:29 +10:00
parent 6d6489817d
commit 018bed3f36
32 changed files with 2058 additions and 170 deletions
--- a/prisma/schema.prisma
+++ b/prisma/schema.prisma
@@ -88,6 +88,14 @@ enum OrderKind {
  TRAFFIC_TOPUP
 }

+enum WalletTransactionType {
+  BALANCE_RECHARGE
+  BALANCE_PAYMENT
+  CARD_REDEEM
+  ADMIN_ADJUST
+  REFUND
+}
+
 enum Protocol {
  VMESS
  VLESS
@@ -165,6 +173,18 @@ enum SupportTicketPriority {
  URGENT
 }

+enum RechargeCardType {
+  BALANCE
+  PLAN
+}
+
+enum RechargeCardStatus {
+  UNUSED
+  REDEEMED
+  DISABLED
+  EXPIRED
+}
+
 model User {
  id              String     @id @default(cuid())
  email           String     @unique
@@ -196,6 +216,11 @@ model User {
  supportTickets        SupportTicket[]
  supportReplies        SupportTicketReply[]
  emailTokens           EmailToken[]
+  walletAccount         WalletAccount?
+  walletTransactions    WalletTransaction[]
+  walletRechargeOrders  WalletRechargeOrder[]
+  redeemedRechargeCards RechargeCard[]      @relation("RechargeCardRedeemer")
+  createdRechargeCards  RechargeCard[]      @relation("RechargeCardCreator")
 }

 model EmailToken {
@@ -301,6 +326,7 @@ model SubscriptionPlan {
  orders           Order[]
  cartItems        ShoppingCartItem[]
  orderItems       OrderItem[]
+  rechargeCards    RechargeCard[]

  @@index([type, isActive, isFeatured, sortOrder])
  @@index([inboundId])
@@ -482,6 +508,7 @@ model NodeInbound {
  selectedByOrders Order[]
  cartItems        ShoppingCartItem[]
  orderItems       OrderItem[]
+  rechargeCards    RechargeCard[]

  @@unique([serverId, tag])
  @@unique([serverId, panelInboundId])
@@ -598,6 +625,7 @@ model Order {
  items              OrderItem[]
  couponGrants       CouponGrant[]        @relation("CouponGrantUsedOrder")
  inviteRewards      InviteRewardLedger[]
+  walletTransactions WalletTransaction[]

  @@index([userId])
  @@index([kind])
@@ -608,6 +636,98 @@ model Order {
  @@index([couponId])
 }

+model WalletAccount {
+  id        String   @id @default(cuid())
+  userId    String   @unique
+  balance   Decimal  @default(0)
+  createdAt DateTime @default(now())
+  updatedAt DateTime @updatedAt
+
+  user         User                @relation(fields: [userId], references: [id], onDelete: Cascade)
+  transactions WalletTransaction[]
+
+  @@index([updatedAt])
+}
+
+model WalletTransaction {
+  id              String                @id @default(cuid())
+  walletId        String
+  userId          String
+  type            WalletTransactionType
+  amount          Decimal
+  balanceAfter    Decimal
+  description     String?
+  orderId         String?
+  rechargeOrderId String?
+  rechargeCardId  String?
+  metadata        Json?
+  createdAt       DateTime              @default(now())
+
+  wallet        WalletAccount       @relation(fields: [walletId], references: [id], onDelete: Cascade)
+  user          User                @relation(fields: [userId], references: [id], onDelete: Cascade)
+  order         Order?              @relation(fields: [orderId], references: [id], onDelete: SetNull)
+  rechargeOrder WalletRechargeOrder? @relation(fields: [rechargeOrderId], references: [id], onDelete: SetNull)
+  rechargeCard  RechargeCard?       @relation(fields: [rechargeCardId], references: [id], onDelete: SetNull)
+
+  @@index([userId, createdAt])
+  @@index([walletId, createdAt])
+  @@index([orderId])
+  @@index([rechargeOrderId])
+  @@index([rechargeCardId])
+}
+
+model WalletRechargeOrder {
+  id            String      @id @default(cuid())
+  userId        String
+  amount        Decimal
+  status        OrderStatus @default(PENDING)
+  paymentMethod String?
+  paymentRef    String?
+  paymentUrl    String?
+  tradeNo       String?     @unique
+  expireAt      DateTime?
+  note          String?
+  createdAt     DateTime    @default(now())
+  updatedAt     DateTime    @updatedAt
+
+  user         User                @relation(fields: [userId], references: [id], onDelete: Cascade)
+  transactions WalletTransaction[]
+
+  @@index([userId, createdAt])
+  @@index([status])
+  @@index([tradeNo])
+}
+
+model RechargeCard {
+  id                String             @id @default(cuid())
+  code              String             @unique
+  type              RechargeCardType
+  status            RechargeCardStatus @default(UNUSED)
+  balanceAmount     Decimal?
+  planId            String?
+  selectedInboundId String?
+  trafficGb         Int?
+  batchName         String?
+  note              String?
+  expiresAt         DateTime?
+  redeemedById      String?
+  redeemedAt        DateTime?
+  createdById       String?
+  createdAt         DateTime           @default(now())
+  updatedAt         DateTime           @updatedAt
+
+  plan            SubscriptionPlan?  @relation(fields: [planId], references: [id], onDelete: SetNull)
+  selectedInbound NodeInbound?       @relation(fields: [selectedInboundId], references: [id], onDelete: SetNull)
+  redeemedBy      User?              @relation("RechargeCardRedeemer", fields: [redeemedById], references: [id], onDelete: SetNull)
+  createdBy       User?              @relation("RechargeCardCreator", fields: [createdById], references: [id], onDelete: SetNull)
+  transactions    WalletTransaction[]
+
+  @@index([type, status, createdAt])
+  @@index([planId])
+  @@index([redeemedById, redeemedAt])
+  @@index([expiresAt])
+}
+
 model NodeLatency {
  id        String   @id @default(cuid())
  nodeId    String
--- a/src/actions/admin/payments.ts
+++ b/src/actions/admin/payments.ts
@@ -78,6 +78,30 @@ export async function setPaymentConfigEnabled(
 ): Promise<PaymentActionResult> {
  try {
    const session = await requireAdmin();
+    if (provider === "balance") {
+      const current = await prisma.paymentConfig.findUnique({
+        where: { provider },
+        select: { enabled: true, config: true },
+      });
+      if (current?.enabled !== enabled) {
+        await prisma.paymentConfig.upsert({
+          where: { provider },
+          create: { provider, enabled, config: current?.config ?? {} },
+          update: { enabled },
+        });
+        await recordAuditLog({
+          actor: actorFromSession(session),
+          action: "payment.toggle",
+          targetType: "PaymentConfig",
+          targetId: provider,
+          targetLabel: getPaymentProviderName(provider),
+          message: `${enabled ? "启用" : "停用"}支付方式 ${getPaymentProviderName(provider)}`,
+        });
+      }
+      revalidatePath("/admin/payments");
+      return { ok: true };
+    }
+
    const current = await prisma.paymentConfig.findUnique({
      where: { provider },
      select: { config: true, enabled: true },
--- a/src/actions/admin/recharge-cards.ts
+++ b/src/actions/admin/recharge-cards.ts
@@ -0,0 +1,64 @@
+"use server";
+
+import { revalidatePath } from "next/cache";
+import { z } from "zod";
+import { requireAdmin } from "@/lib/require-auth";
+import { actorFromSession, recordAuditLog } from "@/services/audit";
+import { createRechargeCards } from "@/services/wallet";
+
+const optionalDate = z.preprocess(
+  (value) => (value === "" || value == null ? undefined : new Date(String(value))),
+  z.date().optional(),
+);
+
+const createRechargeCardsSchema = z.object({
+  type: z.enum(["BALANCE", "PLAN"]),
+  quantity: z.coerce.number().int().min(1).max(200).default(1),
+  balanceAmount: z.preprocess(
+    (value) => (value === "" || value == null ? undefined : Number(value)),
+    z.number().positive().optional(),
+  ),
+  planId: z.string().trim().optional(),
+  batchName: z.string().trim().optional(),
+  expiresAt: optionalDate,
+});
+
+export async function createAdminRechargeCards(formData: FormData) {
+  const session = await requireAdmin();
+  const data = createRechargeCardsSchema.parse(Object.fromEntries(formData));
+
+  if (data.type === "BALANCE" && !data.balanceAmount) {
+    throw new Error("请输入余额卡金额");
+  }
+  if (data.type === "PLAN" && !data.planId) {
+    throw new Error("请选择套餐");
+  }
+
+  const cards = await createRechargeCards({
+    createdById: session.user.id,
+    type: data.type,
+    quantity: data.quantity,
+    balanceAmount: data.balanceAmount,
+    planId: data.planId,
+    batchName: data.batchName || null,
+    expiresAt: data.expiresAt ?? null,
+  });
+
+  await recordAuditLog({
+    actor: actorFromSession(session),
+    action: "recharge_card.create",
+    targetType: "RechargeCard",
+    targetLabel: data.type === "BALANCE" ? "余额充值卡" : "套餐充值卡",
+    message: `生成 ${cards.length} 张${data.type === "BALANCE" ? "余额充值卡" : "套餐充值卡"}`,
+    metadata: {
+      type: data.type,
+      quantity: cards.length,
+      batchName: data.batchName || null,
+      planId: data.planId || null,
+    },
+  });
+
+  revalidatePath("/admin/commerce");
+  revalidatePath("/admin/plans");
+  revalidatePath("/store");
+}
--- a/src/actions/user/wallet.ts
+++ b/src/actions/user/wallet.ts
@@ -0,0 +1,30 @@
+"use server";
+
+import { revalidatePath } from "next/cache";
+import { z } from "zod";
+import { requireAuth } from "@/lib/require-auth";
+import { createWalletRechargeOrder, redeemRechargeCard } from "@/services/wallet";
+
+const rechargeSchema = z.object({
+  amount: z.coerce.number().min(1, "充值金额不能低于 1 元").max(100000, "单次充值金额过大"),
+});
+
+const redeemSchema = z.object({
+  code: z.string().trim().min(4, "请输入充值卡卡密"),
+});
+
+export async function createWalletRecharge(formData: FormData) {
+  const session = await requireAuth();
+  const data = rechargeSchema.parse(Object.fromEntries(formData));
+  const order = await createWalletRechargeOrder(session.user.id, data.amount);
+  return { id: order.id };
+}
+
+export async function redeemWalletCard(formData: FormData) {
+  const session = await requireAuth();
+  const data = redeemSchema.parse(Object.fromEntries(formData));
+  await redeemRechargeCard(session.user.id, data.code);
+  revalidatePath("/wallet");
+  revalidatePath("/subscriptions");
+  revalidatePath("/dashboard");
+}
--- a/src/app/(admin)/admin/commerce/_components/recharge-card-form.tsx
+++ b/src/app/(admin)/admin/commerce/_components/recharge-card-form.tsx
@@ -0,0 +1,124 @@
+"use client";
+
+import { useState, useTransition } from "react";
+import { useRouter } from "next/navigation";
+import { toast } from "sonner";
+import { createAdminRechargeCards } from "@/actions/admin/recharge-cards";
+import { BooleanToggle } from "@/components/ui/boolean-toggle";
+import { Button } from "@/components/ui/button";
+import { Input } from "@/components/ui/input";
+import { Label } from "@/components/ui/label";
+import { Select, SelectContent, SelectItem, SelectTrigger, SelectValue } from "@/components/ui/select";
+import { getErrorMessage } from "@/lib/errors";
+
+interface PlanOption {
+  id: string;
+  name: string;
+  type: "PROXY" | "STREAMING";
+  remainingCount: number | null;
+}
+
+export function RechargeCardForm({ plans }: { plans: PlanOption[] }) {
+  const router = useRouter();
+  const [type, setType] = useState<"BALANCE" | "PLAN">("BALANCE");
+  const [planId, setPlanId] = useState(plans[0]?.id ?? "");
+  const [pending, startTransition] = useTransition();
+  const selectedPlan = plans.find((plan) => plan.id === planId) ?? null;
+  const planSoldOut = type === "PLAN" && selectedPlan?.remainingCount === 0;
+
+  return (
+    <form
+      className="form-panel space-y-4"
+      onSubmit={(event) => {
+        event.preventDefault();
+        const form = event.currentTarget;
+        const formData = new FormData(form);
+        formData.set("type", type);
+        if (type === "PLAN") formData.set("planId", planId);
+        startTransition(async () => {
+          try {
+            await createAdminRechargeCards(formData);
+            toast.success("充值卡已生成");
+            form.reset();
+            router.refresh();
+          } catch (error) {
+            toast.error(getErrorMessage(error, "生成充值卡失败"));
+          }
+        });
+      }}
+    >
+      <div className="flex items-center justify-between gap-3">
+        <div>
+          <h3 className="font-semibold">生成充值卡</h3>
+          <p className="mt-1 text-sm text-muted-foreground">余额卡充值钱包，套餐卡兑换后直接激活套餐。</p>
+        </div>
+        <BooleanToggle
+          value={type === "PLAN"}
+          onChange={(value) => setType(value ? "PLAN" : "BALANCE")}
+          trueLabel="套餐卡"
+          falseLabel="余额卡"
+          ariaLabel="充值卡类型"
+          className="w-36"
+        />
+      </div>
+
+      <input type="hidden" name="type" value={type} />
+
+      <div className="grid gap-3 sm:grid-cols-2">
+        <div className="space-y-2">
+          <Label htmlFor="recharge-card-quantity">生成数量</Label>
+          <Input
+            id="recharge-card-quantity"
+            name="quantity"
+            type="number"
+            min="1"
+            max={type === "PLAN" && selectedPlan?.remainingCount != null ? Math.min(200, selectedPlan.remainingCount) : 200}
+            defaultValue={1}
+            required
+          />
+        </div>
+        <div className="space-y-2">
+          <Label htmlFor="recharge-card-batch">批次名称</Label>
+          <Input id="recharge-card-batch" name="batchName" placeholder="五月活动" />
+        </div>
+      </div>
+
+      {type === "BALANCE" ? (
+        <div className="space-y-2">
+          <Label htmlFor="recharge-card-amount">余额金额</Label>
+          <Input id="recharge-card-amount" name="balanceAmount" type="number" min="0.01" step="0.01" placeholder="100.00" required />
+        </div>
+      ) : (
+        <div className="space-y-2">
+          <Label>绑定套餐</Label>
+          <Select value={planId} onValueChange={(value) => setPlanId(value ?? "")}>
+            <SelectTrigger className="w-full">
+              <SelectValue placeholder="选择套餐" />
+            </SelectTrigger>
+            <SelectContent>
+              {plans.map((plan) => (
+                <SelectItem key={plan.id} value={plan.id}>
+                  {plan.name} · {plan.type === "PROXY" ? "代理" : "流媒体"} · 余 {plan.remainingCount ?? "不限"}
+                </SelectItem>
+              ))}
+            </SelectContent>
+          </Select>
+          {selectedPlan && (
+            <p className="text-xs text-muted-foreground">
+              {selectedPlan.remainingCount == null ? "库存不限" : `当前可生成 ${selectedPlan.remainingCount} 张`}
+            </p>
+          )}
+        </div>
+      )}
+
+      <div className="space-y-2">
+        <Label htmlFor="recharge-card-expires">过期时间</Label>
+        <Input id="recharge-card-expires" name="expiresAt" type="datetime-local" />
+      </div>
+
+      <Button className="w-full" disabled={pending || (type === "PLAN" && (!planId || planSoldOut))}>
+        {pending ? "生成中..." : planSoldOut ? "套餐已售罄" : "生成充值卡"}
+      </Button>
+    </form>
+  );
+}
--- a/src/app/(admin)/admin/commerce/commerce-data.ts
+++ b/src/app/(admin)/admin/commerce/commerce-data.ts
@@ -1,7 +1,22 @@
 import { prisma } from "@/lib/prisma";
+import { getPlanAvailability } from "@/services/plan-availability";
+
+function getRechargeCardPlanRemaining(
+  planType: "PROXY" | "STREAMING",
+  availability: Awaited<ReturnType<typeof getPlanAvailability>>,
+) {
+  const limits: number[] = [];
+  if (availability.remainingByPlanLimit != null) {
+    limits.push(availability.remainingByPlanLimit);
+  }
+  if (planType === "STREAMING" && availability.remainingByServiceCapacity != null) {
+    limits.push(availability.remainingByServiceCapacity);
+  }
+  return limits.length > 0 ? Math.min(...limits) : null;
+}

 export async function getCommerceData() {
-  const [coupons, promotions] = await Promise.all([
+  const [coupons, promotions, rechargeCards, planRows] = await Promise.all([
    prisma.coupon.findMany({
      orderBy: { createdAt: "desc" },
      include: { _count: { select: { orders: true, grants: true } } },
@@ -11,7 +26,39 @@ export async function getCommerceData() {
      orderBy: [{ sortOrder: "asc" }, { thresholdAmount: "asc" }],
      take: 30,
    }),
+    prisma.rechargeCard.findMany({
+      orderBy: { createdAt: "desc" },
+      include: {
+        plan: { select: { name: true, type: true } },
+        redeemedBy: { select: { email: true } },
+      },
+      take: 50,
+    }),
+    prisma.subscriptionPlan.findMany({
+      where: { isActive: true },
+      orderBy: [{ type: "asc" }, { sortOrder: "asc" }, { createdAt: "desc" }],
+      select: {
+        id: true,
+        name: true,
+        type: true,
+        totalLimit: true,
+        perUserLimit: true,
+        streamingServiceId: true,
+      },
+    }),
  ]);

-  return { coupons, promotions };
+  const plans = await Promise.all(
+    planRows.map(async (plan) => {
+      const availability = await getPlanAvailability(plan);
+      return {
+        id: plan.id,
+        name: plan.name,
+        type: plan.type,
+        remainingCount: getRechargeCardPlanRemaining(plan.type, availability),
+      };
+    }),
+  );
+
+  return { coupons, promotions, rechargeCards, plans };
 }
--- a/src/app/(admin)/admin/commerce/page.tsx
+++ b/src/app/(admin)/admin/commerce/page.tsx
@@ -1,16 +1,19 @@
 import type { Metadata } from "next";
-import { Gift, Sparkles } from "lucide-react";
+import { Gift, Sparkles, WalletCards } from "lucide-react";
 import { createCoupon, createPromotionRule } from "@/actions/admin/commerce";
 import { ActiveStatusBadge, StatusBadge } from "@/components/admin/status-badge";
+import { CopyButton } from "@/components/shared/copy-button";
 import { PageHeader, PageShell, SectionHeader } from "@/components/shared/page-shell";
 import { PendingSubmitButton } from "@/components/shared/pending-submit-button";
 import { BooleanToggle } from "@/components/ui/boolean-toggle";
 import { Input } from "@/components/ui/input";
 import { Label } from "@/components/ui/label";
 import { Tabs, TabsContent, TabsList, TabsTrigger } from "@/components/ui/tabs";
+import { formatDate } from "@/lib/utils";
 import { getCommerceData } from "./commerce-data";
 import { CommerceToggleButton } from "./_components/commerce-actions";
 import { DiscountTypeSelect } from "./_components/discount-type-select";
+import { RechargeCardForm } from "./_components/recharge-card-form";

 function formatCouponDiscount(type: string, value: unknown) {
  const numericValue = Number(value);
@@ -26,7 +29,7 @@ export const metadata: Metadata = {
 };

 export default async function AdminCommercePage() {
-  const { coupons, promotions } = await getCommerceData();
+  const { coupons, promotions, rechargeCards, plans } = await getCommerceData();

  return (
    <PageShell>
@@ -39,6 +42,7 @@ export default async function AdminCommercePage() {
        <TabsList variant="line" className="surface-card p-1">
          <TabsTrigger value="create">新建规则</TabsTrigger>
          <TabsTrigger value="manage">规则列表</TabsTrigger>
+          <TabsTrigger value="cards">充值卡</TabsTrigger>
        </TabsList>

        <TabsContent value="create">
@@ -175,6 +179,57 @@ export default async function AdminCommercePage() {
            </div>
          </section>
        </TabsContent>
+
+        <TabsContent value="cards" className="space-y-6">
+          <section className="grid gap-5 xl:grid-cols-[minmax(22rem,0.75fr)_1fr]">
+            <RechargeCardForm plans={plans} />
+
+            <div className="space-y-4">
+              <SectionHeader title="最近充值卡" />
+              <div className="surface-card divide-y divide-border/60 overflow-hidden rounded-xl">
+                {rechargeCards.map((card) => (
+                  <article key={card.id} className="grid gap-4 px-4 py-4 lg:grid-cols-[minmax(0,1fr)_minmax(14rem,0.6fr)_auto] lg:items-center">
+                    <div className="flex min-w-0 items-center gap-3">
+                      <span className="flex size-10 shrink-0 items-center justify-center rounded-lg bg-primary/10 text-primary">
+                        <WalletCards className="size-4" />
+                      </span>
+                      <div className="min-w-0">
+                        <div className="flex min-h-6 flex-wrap items-center gap-2">
+                          <h3 className="min-w-0 truncate font-mono font-semibold">{card.code}</h3>
+                          <StatusBadge tone={card.status === "UNUSED" ? "success" : "neutral"}>
+                            {card.status === "UNUSED"
+                              ? "未使用"
+                              : card.status === "REDEEMED"
+                                ? "已兑换"
+                                : card.status === "EXPIRED"
+                                  ? "已过期"
+                                  : "已停用"}
+                          </StatusBadge>
+                        </div>
+                        <p className="mt-1 text-sm text-muted-foreground">
+                          {card.type === "BALANCE"
+                            ? `余额卡 ¥${Number(card.balanceAmount ?? 0).toFixed(2)}`
+                            : `套餐卡 ${card.plan?.name ?? "套餐已删除"}`}
+                        </p>
+                      </div>
+                    </div>
+                    <div className="flex flex-wrap gap-2">
+                      {card.batchName && <StatusBadge>{card.batchName}</StatusBadge>}
+                      {card.redeemedBy && <StatusBadge tone="info">{card.redeemedBy.email}</StatusBadge>}
+                      {card.expiresAt && <StatusBadge>到期 {formatDate(card.expiresAt)}</StatusBadge>}
+                    </div>
+                    <div className="flex justify-start lg:justify-end">
+                      <CopyButton text={card.code} />
+                    </div>
+                  </article>
+                ))}
+                {rechargeCards.length === 0 && (
+                  <p className="px-4 py-8 text-center text-sm text-muted-foreground">暂无充值卡</p>
+                )}
+              </div>
+            </div>
+          </section>
+        </TabsContent>
      </Tabs>
    </PageShell>
  );
--- a/src/app/(admin)/admin/payments/config-form.tsx
+++ b/src/app/(admin)/admin/payments/config-form.tsx
@@ -2,7 +2,7 @@

 import { useState, type FormEvent } from "react";
 import { useRouter } from "next/navigation";
-import { Check, CreditCard, Pencil, ShieldCheck } from "lucide-react";
+import { AlertTriangle, Check, CreditCard, Pencil, ShieldCheck } from "lucide-react";
 import { savePaymentConfig, setPaymentConfigEnabled } from "@/actions/admin/payments";
 import { StatusBadge } from "@/components/shared/status-badge";
 import { BooleanToggle } from "@/components/ui/boolean-toggle";
@@ -80,6 +80,7 @@ export function PaymentConfigItem({
  const [enabled, setEnabled] = useState(initialEnabled);
  const [saving, setSaving] = useState(false);
  const [statusSaving, setStatusSaving] = useState(false);
+  const [balanceDisableOpen, setBalanceDisableOpen] = useState(false);
  const [checkboxValues, setCheckboxValues] = useState<Record<string, Set<string>>>(() =>
    buildInitialCheckboxValues(fields, currentConfig),
  );
@@ -100,7 +101,7 @@ export function PaymentConfigItem({
    });
  }

-  async function handleStatusToggle(nextEnabled: boolean) {
+  async function commitStatusToggle(nextEnabled: boolean) {
    if (statusSaving || enabled === nextEnabled) return;

    const previousEnabled = enabled;
@@ -123,6 +124,15 @@ export function PaymentConfigItem({
    }
  }

+  async function handleStatusToggle(nextEnabled: boolean) {
+    if (statusSaving || enabled === nextEnabled) return;
+    if (provider === "balance" && !nextEnabled) {
+      setBalanceDisableOpen(true);
+      return;
+    }
+    await commitStatusToggle(nextEnabled);
+  }
+
  async function handleSubmit(event: FormEvent<HTMLFormElement>) {
    event.preventDefault();
    if (saving || statusSaving) return;
@@ -160,129 +170,168 @@ export function PaymentConfigItem({
  }

  return (
-    <section className="grid gap-4 px-4 py-4 lg:grid-cols-[minmax(0,1fr)_10rem_auto] lg:items-center">
-      <div className="flex min-w-0 items-center gap-3">
-        <span className="flex size-10 shrink-0 items-center justify-center rounded-lg border border-primary/15 bg-primary/10 text-primary">
-          <CreditCard className="size-4" />
-        </span>
-        <div className="min-w-0">
-          <div className="flex min-h-6 flex-wrap items-center gap-2">
-            <h3 className="text-base font-semibold leading-6 tracking-tight">{providerName}</h3>
-            {displayName && <StatusBadge tone="neutral">{displayName}</StatusBadge>}
+    <>
+      <section className="grid gap-4 px-4 py-4 lg:grid-cols-[minmax(0,1fr)_10rem_auto] lg:items-center">
+        <div className="flex min-w-0 items-center gap-3">
+          <span className="flex size-10 shrink-0 items-center justify-center rounded-lg border border-primary/15 bg-primary/10 text-primary">
+            <CreditCard className="size-4" />
+          </span>
+          <div className="min-w-0">
+            <div className="flex min-h-6 flex-wrap items-center gap-2">
+              <h3 className="text-base font-semibold leading-6 tracking-tight">{providerName}</h3>
+              {displayName && <StatusBadge tone="neutral">{displayName}</StatusBadge>}
+            </div>
+            <p className="mt-1 text-sm text-muted-foreground text-pretty">{providerDescription}</p>
+            {checkboxSummaries.length > 0 && (
+              <div className="mt-2 flex flex-wrap gap-2">
+                {checkboxSummaries.slice(0, 2).map((label) => (
+                  <StatusBadge key={label} tone="info">{label}</StatusBadge>
+                ))}
+              </div>
+            )}
          </div>
-          <p className="mt-1 text-sm text-muted-foreground text-pretty">{providerDescription}</p>
-          {checkboxSummaries.length > 0 && (
-            <div className="mt-2 flex flex-wrap gap-2">
-              {checkboxSummaries.slice(0, 2).map((label) => (
-                <StatusBadge key={label} tone="info">{label}</StatusBadge>
-              ))}
-            </div>
-          )}
        </div>
-      </div>

-      <div className="flex items-center justify-start lg:justify-end">
-        <BooleanToggle
-          className="w-full lg:w-40"
-          value={enabled}
-          onChange={(value) => void handleStatusToggle(value)}
-          trueLabel="启用"
-          falseLabel="停用"
-          ariaLabel={`${providerName}状态`}
-          disabled={saving || statusSaving}
-        />
-      </div>
+        <div className="flex items-center justify-start lg:justify-end">
+          <BooleanToggle
+            className="w-full lg:w-40"
+            value={enabled}
+            onChange={(value) => void handleStatusToggle(value)}
+            trueLabel="启用"
+            falseLabel="停用"
+            ariaLabel={`${providerName}状态`}
+            disabled={saving || statusSaving}
+          />
+        </div>

-      <Dialog open={open} onOpenChange={(nextOpen) => !saving && setOpen(nextOpen)}>
-        <DialogTrigger render={<Button variant="outline" size="sm" className="w-full lg:w-auto" />}>
-          <Pencil className="size-3.5" />
-          编辑配置
-        </DialogTrigger>
-        <DialogContent className="flex max-h-[min(90dvh,38rem)] flex-col overflow-hidden bg-card p-0 sm:max-w-[34rem]">
-          <DialogHeader className="border-b border-border/60 px-4 py-3 pr-10">
-            <div className="flex size-9 items-center justify-center rounded-lg border border-primary/15 bg-primary/10 text-primary">
-              <ShieldCheck className="size-4" />
-            </div>
-            <DialogTitle>编辑{providerName}</DialogTitle>
-            <DialogDescription>留空的密钥字段会保持原值。</DialogDescription>
-          </DialogHeader>
+        <Dialog open={open} onOpenChange={(nextOpen) => !saving && setOpen(nextOpen)}>
+          <DialogTrigger render={<Button variant="outline" size="sm" className="w-full lg:w-auto" />}>
+            <Pencil className="size-3.5" />
+            编辑配置
+          </DialogTrigger>
+          <DialogContent className="flex max-h-[min(90dvh,38rem)] flex-col overflow-hidden bg-card p-0 sm:max-w-[34rem]">
+            <DialogHeader className="border-b border-border/60 px-4 py-3 pr-10">
+              <div className="flex size-9 items-center justify-center rounded-lg border border-primary/15 bg-primary/10 text-primary">
+                <ShieldCheck className="size-4" />
+              </div>
+              <DialogTitle>编辑{providerName}</DialogTitle>
+              <DialogDescription>留空的密钥字段会保持原值。</DialogDescription>
+            </DialogHeader>

-          <DialogBody className="flex-1 px-4 py-3">
-          <form onSubmit={handleSubmit} className="space-y-3 text-[12px] leading-5 [&_[data-slot=input]]:!h-8 [&_[data-slot=input]]:!min-h-8 [&_[data-slot=input]]:!px-2.5 [&_[data-slot=input]]:!text-xs [&_[data-slot=label]]:!text-xs">
-            <div className="grid gap-3 sm:grid-cols-2">
-              {fields.map((field) =>
-                field.type === "checkboxes" ? (
-                  <div key={field.key} className="sm:col-span-2">
-                    <Label>{field.label}</Label>
-                    <div className="mt-2 grid gap-2 sm:grid-cols-2">
-                      {field.options?.map((option) => {
-                        const selected = checkboxValues[field.key]?.has(option.value) ?? false;
-                        return (
-                          <button
-                            key={option.value}
-                            type="button"
-                            aria-pressed={selected}
-                            onClick={() => toggleCheckbox(field.key, option.value)}
-                            className={cn(
-                              "flex min-h-8 items-center justify-between gap-2 rounded-lg border px-2.5 py-1.5 text-left text-xs font-medium transition-colors focus-visible:outline-none focus-visible:ring-[3px] focus-visible:ring-ring/20",
-                              selected
-                                ? "border-primary/35 bg-primary/10 text-primary"
-                                : "border-border bg-muted/20 text-muted-foreground hover:bg-muted/45 hover:text-foreground",
-                            )}
-                          >
-                            <span className="whitespace-nowrap">{option.label}</span>
-                            {selected && <Check className="size-4 shrink-0" />}
-                          </button>
-                        );
-                      })}
+            <DialogBody className="flex-1 px-4 py-3">
+            <form onSubmit={handleSubmit} className="space-y-3 text-[12px] leading-5 [&_[data-slot=input]]:!h-8 [&_[data-slot=input]]:!min-h-8 [&_[data-slot=input]]:!px-2.5 [&_[data-slot=input]]:!text-xs [&_[data-slot=label]]:!text-xs">
+              <div className="grid gap-3 sm:grid-cols-2">
+                {fields.map((field) =>
+                  field.type === "checkboxes" ? (
+                    <div key={field.key} className="sm:col-span-2">
+                      <Label>{field.label}</Label>
+                      <div className="mt-2 grid gap-2 sm:grid-cols-2">
+                        {field.options?.map((option) => {
+                          const selected = checkboxValues[field.key]?.has(option.value) ?? false;
+                          return (
+                            <button
+                              key={option.value}
+                              type="button"
+                              aria-pressed={selected}
+                              onClick={() => toggleCheckbox(field.key, option.value)}
+                              className={cn(
+                                "flex min-h-8 items-center justify-between gap-2 rounded-lg border px-2.5 py-1.5 text-left text-xs font-medium transition-colors focus-visible:outline-none focus-visible:ring-[3px] focus-visible:ring-ring/20",
+                                selected
+                                  ? "border-primary/35 bg-primary/10 text-primary"
+                                  : "border-border bg-muted/20 text-muted-foreground hover:bg-muted/45 hover:text-foreground",
+                              )}
+                            >
+                              <span className="whitespace-nowrap">{option.label}</span>
+                              {selected && <Check className="size-4 shrink-0" />}
+                            </button>
+                          );
+                        })}
+                      </div>
+                    </div>
+                  ) : (
+                    <div key={field.key} className="space-y-1.5">
+                      <Label htmlFor={`${provider}-${field.key}`}>{field.label}</Label>
+                      <Input
+                        id={`${provider}-${field.key}`}
+                        name={field.key}
+                        type={field.secret ? "password" : "text"}
+                        placeholder={field.secret && secretConfigured[field.key] ? "留空不变" : field.placeholder}
+                        defaultValue={field.secret ? "" : currentConfig?.[field.key] || ""}
+                      />
+                      {field.secret && secretConfigured[field.key] && (
+                        <p className="text-xs leading-5 text-muted-foreground">已保存，留空不变。</p>
+                      )}
+                    </div>
+                  ),
+                )}
+              </div>
+
+              <div className="rounded-lg border border-border bg-muted/20 p-2.5">
+                <div className="flex flex-col gap-2 sm:flex-row sm:items-center sm:justify-between">
+                  <div>
+                    <div className="flex items-center gap-1.5">
+                      <Label className="whitespace-nowrap text-xs font-semibold">支付通道状态</Label>
+                      <InlineHelp align="start">开关即时生效。</InlineHelp>
                    </div>
                  </div>
-                ) : (
-                  <div key={field.key} className="space-y-1.5">
-                    <Label htmlFor={`${provider}-${field.key}`}>{field.label}</Label>
-                    <Input
-                      id={`${provider}-${field.key}`}
-                      name={field.key}
-                      type={field.secret ? "password" : "text"}
-                      placeholder={field.secret && secretConfigured[field.key] ? "留空不变" : field.placeholder}
-                      defaultValue={field.secret ? "" : currentConfig?.[field.key] || ""}
-                    />
-                    {field.secret && secretConfigured[field.key] && (
-                      <p className="text-xs leading-5 text-muted-foreground">已保存，留空不变。</p>
-                    )}
+                  <div className="flex justify-start sm:justify-end">
+                    <StatusBadge tone={enabled ? "success" : "neutral"}>
+                      {enabled ? "已启用" : "已停用"}
+                    </StatusBadge>
                  </div>
-                ),
-              )}
-            </div>
-
-            <div className="rounded-lg border border-border bg-muted/20 p-2.5">
-              <div className="flex flex-col gap-2 sm:flex-row sm:items-center sm:justify-between">
-                <div>
-                  <div className="flex items-center gap-1.5">
-                    <Label className="whitespace-nowrap text-xs font-semibold">支付通道状态</Label>
-                    <InlineHelp align="start">开关即时生效。</InlineHelp>
-                  </div>
-                </div>
-                <div className="flex justify-start sm:justify-end">
-                  <StatusBadge tone={enabled ? "success" : "neutral"}>
-                    {enabled ? "已启用" : "已停用"}
-                  </StatusBadge>
                </div>
              </div>
-            </div>

-            <DialogFooter className="-mx-4 -mb-3">
-              <Button type="button" variant="outline" className="h-8" onClick={() => setOpen(false)} disabled={saving}>
-                取消
+              <DialogFooter className="-mx-4 -mb-3">
+                <Button type="button" variant="outline" className="h-8" onClick={() => setOpen(false)} disabled={saving}>
+                  取消
+                </Button>
+                <Button type="submit" className="h-8" disabled={saving}>
+                  {saving ? "保存中..." : "保存配置"}
+                </Button>
+              </DialogFooter>
+            </form>
+            </DialogBody>
+          </DialogContent>
+        </Dialog>
+      </section>
+
+      {provider === "balance" && (
+        <Dialog open={balanceDisableOpen} onOpenChange={(nextOpen) => !statusSaving && setBalanceDisableOpen(nextOpen)}>
+          <DialogContent className="max-w-[22rem]">
+            <DialogHeader>
+              <div className="mb-1 flex size-9 items-center justify-center rounded-lg border border-destructive/15 bg-destructive/10 text-destructive">
+                <AlertTriangle className="size-5" />
+              </div>
+              <DialogTitle>关闭余额支付？</DialogTitle>
+              <DialogDescription>
+                关闭后用户不能再用账户余额支付订单，余额充值和充值卡兑换仍会保留。
+              </DialogDescription>
+            </DialogHeader>
+            <DialogFooter>
+              <Button
+                type="button"
+                variant="outline"
+                onClick={() => setBalanceDisableOpen(false)}
+                disabled={statusSaving}
+              >
+                保持开启
              </Button>
-              <Button type="submit" className="h-8" disabled={saving}>
-                {saving ? "保存中..." : "保存配置"}
+              <Button
+                type="button"
+                variant="destructive"
+                onClick={() => {
+                  setBalanceDisableOpen(false);
+                  void commitStatusToggle(false);
+                }}
+                disabled={statusSaving}
+              >
+                {statusSaving ? "处理中..." : "确认关闭"}
              </Button>
            </DialogFooter>
-          </form>
-          </DialogBody>
-        </DialogContent>
-      </Dialog>
-    </section>
+          </DialogContent>
+        </Dialog>
+      )}
+    </>
  );
 }
--- a/src/app/(admin)/admin/payments/payments-data.ts
+++ b/src/app/(admin)/admin/payments/payments-data.ts
@@ -20,7 +20,9 @@ export async function getPaymentProviderConfigs() {
            enabled: config.enabled,
            config: redactPaymentConfigForClient(provider.id, configValue ?? {}),
          }
-        : null,
+        : provider.id === "balance"
+          ? { enabled: true, config: {} }
+          : null,
      secretConfigured: configValue
        ? getPaymentSecretConfiguredState(provider.id, configValue)
        : {},
--- a/src/app/(admin)/admin/plans/_components/plans-list.tsx
+++ b/src/app/(admin)/admin/plans/_components/plans-list.tsx
@@ -10,10 +10,12 @@ export const PLAN_BATCH_FORM_ID = "plan-batch-form";
 export function PlansList({
  plans,
  activeCountMap,
+  reservedCardCountMap,
  services,
 }: {
  plans: AdminPlanRow[];
  activeCountMap: Map<string, number>;
+  reservedCardCountMap: Map<string, number>;
  services: StreamingServiceOption[];
 }) {
  return (
@@ -31,6 +33,7 @@ export function PlansList({
            key={plan.id}
            plan={plan}
            activeCount={activeCountMap.get(plan.id) ?? 0}
+            reservedCardCount={reservedCardCountMap.get(plan.id) ?? 0}
            services={services}
            batchFormId={PLAN_BATCH_FORM_ID}
          />
--- a/src/app/(admin)/admin/plans/page.tsx
+++ b/src/app/(admin)/admin/plans/page.tsx
@@ -23,6 +23,7 @@ export default async function PlansPage({
    pageSize,
    filters,
    activeCountMap,
+    reservedCardCountMap,
    serviceOptions,
  } = await getAdminPlans(await searchParams);

@@ -60,6 +61,7 @@ export default async function PlansPage({
      <PlansList
        plans={plans}
        activeCountMap={activeCountMap}
+        reservedCardCountMap={reservedCardCountMap}
        services={serviceOptions}
      />
      <Pagination total={total} pageSize={pageSize} page={page} />
--- a/src/app/(admin)/admin/plans/plan-card.tsx
+++ b/src/app/(admin)/admin/plans/plan-card.tsx
@@ -55,6 +55,7 @@ interface PlanListItem {
 interface PlanCardProps {
  plan: PlanListItem;
  activeCount: number;
+  reservedCardCount: number;
  services: StreamingServiceOption[];
  batchFormId: string;
 }
@@ -63,13 +64,13 @@ function toNumber(value: NumericLike): number | null {
  return value == null ? null : Number(value);
 }

-function remainingStockSummary(plan: PlanListItem, activeCount: number) {
+function remainingStockSummary(plan: PlanListItem, activeCount: number, reservedCardCount: number) {
  if (plan.totalLimit == null) return { value: "∞", hint: "剩余库存", empty: false };

-  const remaining = Math.max(0, plan.totalLimit - activeCount);
+  const remaining = Math.max(0, plan.totalLimit - activeCount - reservedCardCount);
  return {
    value: remaining.toString(),
-    hint: remaining === 0 ? "已售罄" : "剩余库存",
+    hint: reservedCardCount > 0 ? `预占 ${reservedCardCount}` : remaining === 0 ? "已售罄" : "剩余库存",
    empty: remaining === 0,
  };
 }
@@ -112,9 +113,9 @@ function buildPlanFormValue(plan: PlanListItem): PlanFormValue {
  };
 }

-export function PlanCard({ plan, activeCount, services, batchFormId }: PlanCardProps) {
+export function PlanCard({ plan, activeCount, reservedCardCount, services, batchFormId }: PlanCardProps) {
  const planFormValue = buildPlanFormValue(plan);
-  const stock = remainingStockSummary(plan, activeCount);
+  const stock = remainingStockSummary(plan, activeCount, reservedCardCount);
  const Icon = plan.type === "PROXY" ? Network : Tv;

  return (
--- a/src/app/(admin)/admin/plans/plans-data.ts
+++ b/src/app/(admin)/admin/plans/plans-data.ts
@@ -1,6 +1,7 @@
 import type { Prisma } from "@prisma/client";
 import { prisma } from "@/lib/prisma";
 import { parsePage } from "@/lib/utils";
+import { activePlanCardReservationWhere } from "@/services/plan-availability";
 import type { StreamingServiceOption } from "./plan-form";

 const planInclude = {
@@ -43,7 +44,7 @@ export async function getAdminPlans(
      : {}),
  } satisfies Prisma.SubscriptionPlanWhereInput;

-  const [plans, total, services, activeGroups] = await Promise.all([
+  const [plans, total, services, activeGroups, reservedCardGroups] = await Promise.all([
    prisma.subscriptionPlan.findMany({
      where,
      include: planInclude,
@@ -62,11 +63,22 @@ export async function getAdminPlans(
      where: { status: "ACTIVE" },
      _count: { _all: true },
    }),
+    prisma.rechargeCard.groupBy({
+      by: ["planId"],
+      where: {
+        ...activePlanCardReservationWhere(),
+        planId: { not: null },
+      },
+      _count: { _all: true },
+    }),
  ]);

  const activeCountMap = new Map(
    activeGroups.map((item) => [item.planId, item._count._all]),
  );
+  const reservedCardCountMap = new Map(
+    reservedCardGroups.map((item) => [item.planId ?? "", item._count._all]),
+  );
  const serviceOptions: StreamingServiceOption[] = services.map((service) => ({
    id: service.id,
    name: service.name,
@@ -80,6 +92,7 @@ export async function getAdminPlans(
    pageSize,
    filters: { q, type, status },
    activeCountMap,
+    reservedCardCountMap,
    serviceOptions,
  };
 }
--- a/src/app/(payment)/pay/[orderId]/_components/payment-method-selector.tsx
+++ b/src/app/(payment)/pay/[orderId]/_components/payment-method-selector.tsx
@@ -42,17 +42,22 @@ export function PaymentMethodSelector({
            >
              <div className="flex items-center gap-3">
                <div className={cn("flex size-9 items-center justify-center rounded-lg transition-colors duration-200", selected ? "bg-primary text-primary-foreground" : "bg-muted text-primary")}>
-                  {provider.provider === "usdt_trc20" ? <Coins className="size-5" /> : <CreditCard className="size-5" />}
+                  {provider.provider === "usdt_trc20" || provider.provider === "balance" ? <Coins className="size-5" /> : <CreditCard className="size-5" />}
                </div>
                <div>
                  <span className="font-semibold">{provider.name}</span>
                  <p className="mt-1 text-xs text-muted-foreground">
-                    {provider.provider === "usdt_trc20" ? "稳定币付款" : "按提示完成"}
+                    {provider.provider === "balance"
+                      ? "从账户余额扣款"
+                      : provider.provider === "usdt_trc20"
+                        ? "稳定币付款"
+                        : "按提示完成"}
                  </p>
                </div>
              </div>
              <div className="flex items-center gap-2">
-                {provider.provider === "usdt_trc20" && <StatusBadge tone="info">Crypto</StatusBadge>}
+                {provider.provider === "balance" && <StatusBadge tone="success">余额</StatusBadge>}
+                {provider.provider === "usdt_trc20" && <StatusBadge tone="info">链上</StatusBadge>}
                {selected && <CheckCircle2 className="size-5 text-primary" />}
              </div>
            </button>
--- a/src/app/(payment)/pay/[orderId]/payment-types.ts
+++ b/src/app/(payment)/pay/[orderId]/payment-types.ts
@@ -9,6 +9,7 @@ export interface PaymentInfo {
  paymentUrl?: string;
  qrCode?: string;
  raw?: {
+    status?: string;
    walletAddress?: string;
    usdtAmount?: string;
    cnyAmount?: string;
--- a/src/app/(payment)/pay/[orderId]/use-payment-flow.ts
+++ b/src/app/(payment)/pay/[orderId]/use-payment-flow.ts
@@ -63,6 +63,10 @@ export function usePaymentFlow(orderId: string) {
      });

      setPayment(data);
+      if (provider === "balance" || data.raw?.status === "paid") {
+        setStatus("paid");
+        return;
+      }
      setStatus("waiting");

      if (
--- a/src/app/(user)/wallet/_components/wallet-actions.tsx
+++ b/src/app/(user)/wallet/_components/wallet-actions.tsx
@@ -0,0 +1,91 @@
+"use client";
+
+import { useTransition } from "react";
+import { useRouter } from "next/navigation";
+import { toast } from "sonner";
+import { CreditCard, Gift } from "lucide-react";
+import { createWalletRecharge, redeemWalletCard } from "@/actions/user/wallet";
+import { Button } from "@/components/ui/button";
+import { Input } from "@/components/ui/input";
+import { Label } from "@/components/ui/label";
+import { getErrorMessage } from "@/lib/errors";
+
+export function WalletActions() {
+  const router = useRouter();
+  const [rechargePending, startRecharge] = useTransition();
+  const [redeemPending, startRedeem] = useTransition();
+
+  return (
+    <section className="grid gap-5 lg:grid-cols-2">
+      <form
+        className="form-panel space-y-4"
+        onSubmit={(event) => {
+          event.preventDefault();
+          const form = event.currentTarget;
+          const formData = new FormData(form);
+          startRecharge(async () => {
+            try {
+              const order = await createWalletRecharge(formData);
+              router.push(`/wallet/recharge/${order.id}`);
+            } catch (error) {
+              toast.error(getErrorMessage(error, "创建充值订单失败"));
+            }
+          });
+        }}
+      >
+        <div className="flex items-center gap-3">
+          <span className="flex size-10 items-center justify-center rounded-lg bg-primary/10 text-primary">
+            <CreditCard className="size-4" />
+          </span>
+          <div>
+            <h3 className="font-semibold">余额充值</h3>
+            <p className="text-sm text-muted-foreground">输入金额后选择在线支付方式。</p>
+          </div>
+        </div>
+        <div className="space-y-2">
+          <Label htmlFor="wallet-recharge-amount">充值金额</Label>
+          <Input id="wallet-recharge-amount" name="amount" type="number" min="1" step="0.01" placeholder="100.00" required />
+        </div>
+        <Button className="w-full" disabled={rechargePending}>
+          {rechargePending ? "创建中..." : "去支付"}
+        </Button>
+      </form>
+
+      <form
+        className="form-panel space-y-4"
+        onSubmit={(event) => {
+          event.preventDefault();
+          const form = event.currentTarget;
+          const formData = new FormData(form);
+          startRedeem(async () => {
+            try {
+              await redeemWalletCard(formData);
+              form.reset();
+              toast.success("充值卡兑换成功");
+              router.refresh();
+            } catch (error) {
+              toast.error(getErrorMessage(error, "充值卡兑换失败"));
+            }
+          });
+        }}
+      >
+        <div className="flex items-center gap-3">
+          <span className="flex size-10 items-center justify-center rounded-lg bg-amber-500/10 text-amber-700 dark:text-amber-300">
+            <Gift className="size-4" />
+          </span>
+          <div>
+            <h3 className="font-semibold">充值卡兑换</h3>
+            <p className="text-sm text-muted-foreground">余额卡入账余额，套餐卡会直接激活。</p>
+          </div>
+        </div>
+        <div className="space-y-2">
+          <Label htmlFor="wallet-redeem-code">卡密</Label>
+          <Input id="wallet-redeem-code" name="code" placeholder="JB-XXXXXX-XXXXXX-XXXXXX" required />
+        </div>
+        <Button className="w-full" variant="outline" disabled={redeemPending}>
+          {redeemPending ? "兑换中..." : "立即兑换"}
+        </Button>
+      </form>
+    </section>
+  );
+}
--- a/src/app/(user)/wallet/page.tsx
+++ b/src/app/(user)/wallet/page.tsx
@@ -0,0 +1,144 @@
+import type { Metadata } from "next";
+import Link from "next/link";
+import { Coins, ReceiptText } from "lucide-react";
+import { getActiveSession } from "@/lib/require-auth";
+import { formatDate } from "@/lib/utils";
+import { PageHeader, PageShell, SectionHeader } from "@/components/shared/page-shell";
+import { DataTableShell } from "@/components/shared/data-table-shell";
+import { StatusBadge } from "@/components/shared/status-badge";
+import { buttonVariants } from "@/components/ui/button";
+import { getPaymentProviderName } from "@/services/payment/catalog";
+import { WalletActions } from "./_components/wallet-actions";
+import { getWalletPageData } from "./wallet-data";
+
+export const metadata: Metadata = {
+  title: "我的钱包",
+  description: "管理账户余额、余额充值和充值卡兑换。",
+};
+
+const transactionLabels: Record<string, string> = {
+  BALANCE_RECHARGE: "余额充值",
+  BALANCE_PAYMENT: "余额支付",
+  CARD_REDEEM: "充值卡兑换",
+  ADMIN_ADJUST: "后台调整",
+  REFUND: "退款",
+};
+
+const orderStatusLabels: Record<string, string> = {
+  PENDING: "待支付",
+  PAID: "已入账",
+  CANCELLED: "已取消",
+  REFUNDED: "已退款",
+};
+
+function money(value: unknown) {
+  return `¥${Number(value).toFixed(2)}`;
+}
+
+export default async function WalletPage() {
+  const session = await getActiveSession();
+  const { wallet, transactions, rechargeOrders } = await getWalletPageData(session!.user.id);
+
+  return (
+    <PageShell>
+      <PageHeader
+        eyebrow="钱包"
+        title="我的钱包"
+        description="余额可用于订单支付，充值卡可兑换余额或直接激活套餐。"
+      />
+
+      <section className="surface-card rounded-xl p-5">
+        <div className="flex flex-col gap-4 sm:flex-row sm:items-center sm:justify-between">
+          <div className="flex items-center gap-4">
+            <span className="flex size-12 items-center justify-center rounded-xl bg-primary/10 text-primary">
+              <Coins className="size-5" />
+            </span>
+            <div>
+              <p className="text-sm text-muted-foreground">当前余额</p>
+              <p className="mt-1 text-3xl font-semibold tabular-nums">{money(wallet.balance)}</p>
+            </div>
+          </div>
+          <Link href="/orders" className={buttonVariants({ variant: "outline" })}>
+            查看订单
+          </Link>
+        </div>
+      </section>
+
+      <WalletActions />
+
+      <section className="space-y-4">
+        <SectionHeader title="余额流水" />
+        <DataTableShell
+          isEmpty={transactions.length === 0}
+          emptyTitle="暂无余额流水"
+          emptyIcon={<ReceiptText className="size-4" />}
+        >
+          <table className="w-full min-w-[760px] text-sm">
+            <thead>
+              <tr className="border-b border-border/60 text-left text-xs text-muted-foreground">
+                <th className="px-4 py-3 font-medium">类型</th>
+                <th className="px-4 py-3 font-medium">说明</th>
+                <th className="px-4 py-3 text-right font-medium">变动</th>
+                <th className="px-4 py-3 text-right font-medium">余额</th>
+                <th className="px-4 py-3 font-medium">时间</th>
+              </tr>
+            </thead>
+            <tbody className="divide-y divide-border/50">
+              {transactions.map((item) => (
+                <tr key={item.id}>
+                  <td className="px-4 py-3"><StatusBadge>{transactionLabels[item.type] ?? item.type}</StatusBadge></td>
+                  <td className="px-4 py-3">
+                    <p className="font-medium">{item.description || item.order?.plan.name || item.rechargeCard?.code || "余额变动"}</p>
+                    {item.rechargeCard && <p className="mt-1 font-mono text-xs text-muted-foreground">{item.rechargeCard.code}</p>}
+                  </td>
+                  <td className="px-4 py-3 text-right font-mono font-semibold tabular-nums">{money(item.amount)}</td>
+                  <td className="px-4 py-3 text-right font-mono tabular-nums">{money(item.balanceAfter)}</td>
+                  <td className="px-4 py-3 whitespace-nowrap text-muted-foreground">{formatDate(item.createdAt)}</td>
+                </tr>
+              ))}
+            </tbody>
+          </table>
+        </DataTableShell>
+      </section>
+
+      <section className="space-y-4">
+        <SectionHeader title="充值订单" />
+        <DataTableShell
+          isEmpty={rechargeOrders.length === 0}
+          emptyTitle="暂无充值订单"
+        >
+          <table className="w-full min-w-[680px] text-sm">
+            <thead>
+              <tr className="border-b border-border/60 text-left text-xs text-muted-foreground">
+                <th className="px-4 py-3 font-medium">金额</th>
+                <th className="px-4 py-3 font-medium">状态</th>
+                <th className="px-4 py-3 font-medium">支付方式</th>
+                <th className="px-4 py-3 font-medium">时间</th>
+                <th className="px-4 py-3 text-right font-medium">操作</th>
+              </tr>
+            </thead>
+            <tbody className="divide-y divide-border/50">
+              {rechargeOrders.map((order) => (
+                <tr key={order.id}>
+                  <td className="px-4 py-3 font-mono font-semibold">{money(order.amount)}</td>
+                  <td className="px-4 py-3"><StatusBadge>{orderStatusLabels[order.status] ?? order.status}</StatusBadge></td>
+                  <td className="px-4 py-3 text-muted-foreground">
+                    {order.paymentMethod ? getPaymentProviderName(order.paymentMethod) : "未选择"}
+                  </td>
+                  <td className="px-4 py-3 whitespace-nowrap text-muted-foreground">{formatDate(order.createdAt)}</td>
+                  <td className="px-4 py-3 text-right">
+                    {order.status === "PENDING" && (
+                      <Link href={`/wallet/recharge/${order.id}`} className={buttonVariants({ size: "sm" })}>
+                        继续支付
+                      </Link>
+                    )}
+                  </td>
+                </tr>
+              ))}
+            </tbody>
+          </table>
+        </DataTableShell>
+      </section>
+    </PageShell>
+  );
+}
--- a/src/app/(user)/wallet/recharge/[id]/page.tsx
+++ b/src/app/(user)/wallet/recharge/[id]/page.tsx
@@ -0,0 +1,27 @@
+import type { Metadata } from "next";
+import { SiteFooter } from "@/components/shared/site-footer";
+import { RechargePayClient } from "./recharge-pay-client";
+
+export const metadata: Metadata = {
+  title: "余额充值",
+  description: "完成钱包余额充值。",
+};
+
+export default async function WalletRechargePage({
+  params,
+}: {
+  params: Promise<{ id: string }>;
+}) {
+  const { id } = await params;
+
+  return (
+    <main className="flex min-h-[100dvh] flex-col px-4 py-10">
+      <div className="flex flex-1 items-center justify-center">
+        <div className="w-full max-w-2xl">
+          <RechargePayClient rechargeId={id} />
+        </div>
+      </div>
+      <SiteFooter className="mt-6 max-w-2xl" />
+    </main>
+  );
+}
--- a/src/app/(user)/wallet/recharge/[id]/recharge-pay-client.tsx
+++ b/src/app/(user)/wallet/recharge/[id]/recharge-pay-client.tsx
@@ -0,0 +1,240 @@
+"use client";
+
+import { useEffect, useEffectEvent, useMemo, useState } from "react";
+import Link from "next/link";
+import { useRouter } from "next/navigation";
+import { CheckCircle2, Coins, CreditCard } from "lucide-react";
+import { AlipayQrView, UsdtView } from "@/app/(payment)/pay/[orderId]/_components/payment-detail-panels";
+import { Button, buttonVariants } from "@/components/ui/button";
+import { fetchJson } from "@/lib/fetch-json";
+import { getErrorMessage } from "@/lib/errors";
+import { cn } from "@/lib/utils";
+
+interface PaymentProvider {
+  provider: string;
+  name: string;
+  channel?: string;
+}
+
+interface RechargeSnapshot {
+  id: string;
+  amount: number;
+  status: "PENDING" | "PAID" | "CANCELLED" | "REFUNDED";
+  paymentMethod: string | null;
+  tradeNo: string | null;
+  paymentUrl: string | null;
+}
+
+interface PaymentInfo {
+  tradeNo: string;
+  paymentUrl?: string;
+  qrCode?: string;
+  raw?: {
+    walletAddress?: string;
+    usdtAmount?: string;
+    cnyAmount?: string;
+    exchangeRate?: number;
+    network?: string;
+  };
+}
+
+function isSafePaymentUrl(value: string) {
+  try {
+    const url = new URL(value);
+    return url.protocol === "https:" || url.protocol === "http:";
+  } catch {
+    return false;
+  }
+}
+
+export function RechargePayClient({ rechargeId }: { rechargeId: string }) {
+  const router = useRouter();
+  const [providers, setProviders] = useState<PaymentProvider[]>([]);
+  const [selectedIdx, setSelectedIdx] = useState(-1);
+  const [recharge, setRecharge] = useState<RechargeSnapshot | null>(null);
+  const [payment, setPayment] = useState<PaymentInfo | null>(null);
+  const [status, setStatus] = useState<"booting" | "idle" | "creating" | "waiting" | "paid">("booting");
+  const [pageError, setPageError] = useState<string | null>(null);
+
+  const selectedProvider = useMemo(
+    () => (selectedIdx >= 0 ? providers[selectedIdx] : null),
+    [providers, selectedIdx],
+  );
+
+  async function createPayment(provider: PaymentProvider) {
+    setPageError(null);
+    setStatus("creating");
+    try {
+      const data = await fetchJson<PaymentInfo>("/api/wallet/recharge/payment/create", {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify({ rechargeId, provider: provider.provider, channel: provider.channel }),
+      });
+      setPayment(data);
+      setStatus("waiting");
+      if (
+        data.paymentUrl
+        && provider.provider === "epay"
+        && isSafePaymentUrl(data.paymentUrl)
+      ) {
+        window.location.href = data.paymentUrl;
+      }
+    } catch (error) {
+      setStatus("idle");
+      setPageError(getErrorMessage(error, "充值支付创建失败"));
+    }
+  }
+
+  const loadPageState = useEffectEvent(async () => {
+    try {
+      const [providerList, order] = await Promise.all([
+        fetchJson<PaymentProvider[]>("/api/payment/providers?target=wallet"),
+        fetchJson<RechargeSnapshot>(`/api/wallet/recharge/${rechargeId}`),
+      ]);
+      setProviders(providerList);
+      setRecharge(order);
+
+      if (order.status === "PAID") {
+        setStatus("paid");
+        return;
+      }
+
+      const defaultIdx = order.paymentMethod
+        ? providerList.findIndex((provider) => provider.provider === order.paymentMethod)
+        : providerList.length === 1 ? 0 : -1;
+      setSelectedIdx(defaultIdx);
+
+      if (!order.paymentMethod || !order.tradeNo) {
+        setPayment(null);
+        setStatus("idle");
+        return;
+      }
+
+      setPayment({
+        tradeNo: order.tradeNo,
+        paymentUrl: order.paymentUrl ?? undefined,
+      });
+      setStatus("waiting");
+    } catch (error) {
+      setPageError(getErrorMessage(error, "加载充值订单失败"));
+      setStatus("idle");
+    }
+  });
+
+  const pollPaymentStatus = useEffectEvent(async () => {
+    if (!payment?.tradeNo) return;
+    try {
+      const result = await fetchJson<{ status: string }>(`/api/wallet/recharge/query/${payment.tradeNo}`);
+      if (result.status === "paid") {
+        setStatus("paid");
+        setPageError(null);
+      }
+    } catch (error) {
+      setStatus("idle");
+      setPageError(getErrorMessage(error, "查询充值结果失败"));
+    }
+  });
+
+  useEffect(() => {
+    const timer = window.setTimeout(() => {
+      void loadPageState();
+    }, 0);
+    return () => window.clearTimeout(timer);
+  }, [rechargeId]);
+
+  useEffect(() => {
+    if (status !== "waiting" || !payment?.tradeNo) return;
+    const timer = window.setTimeout(() => void pollPaymentStatus(), 0);
+    const interval = window.setInterval(() => void pollPaymentStatus(), 5000);
+    return () => {
+      window.clearTimeout(timer);
+      window.clearInterval(interval);
+    };
+  }, [payment?.tradeNo, status]);
+
+  if (status === "paid") {
+    return (
+      <div className="surface-card mx-auto max-w-xl rounded-xl p-6 text-center">
+        <div className="mx-auto flex size-12 items-center justify-center rounded-xl bg-primary text-primary-foreground">
+          <CheckCircle2 className="size-6" />
+        </div>
+        <h1 className="mt-4 text-2xl font-semibold">充值成功</h1>
+        <p className="mt-2 text-sm text-muted-foreground">余额已入账，可直接用于订单支付。</p>
+        <div className="mt-5 flex justify-center gap-2">
+          <Button onClick={() => router.push("/wallet")}>返回钱包</Button>
+          <Link href="/store" className={buttonVariants({ variant: "outline" })}>去商店</Link>
+        </div>
+      </div>
+    );
+  }
+
+  return (
+    <div className="surface-card mx-auto max-w-xl space-y-5 rounded-xl p-5">
+      <div className="text-center">
+        <p className="text-sm text-muted-foreground">余额充值</p>
+        <h1 className="mt-1 text-3xl font-semibold tabular-nums">¥{(recharge?.amount ?? 0).toFixed(2)}</h1>
+      </div>
+
+      {pageError && (
+        <div className="rounded-lg border border-destructive/15 bg-destructive/10 px-4 py-3 text-sm font-medium text-destructive">
+          {pageError}
+        </div>
+      )}
+
+      {status === "booting" && <p className="py-4 text-center text-sm text-muted-foreground">正在读取充值订单…</p>}
+
+      {!payment && status !== "booting" && (
+        <>
+          <div className="grid gap-3">
+            {providers.map((provider, index) => {
+              const selected = selectedIdx === index;
+              return (
+                <button
+                  key={`${provider.provider}-${provider.channel ?? ""}`}
+                  type="button"
+                  onClick={() => setSelectedIdx(index)}
+                  className={cn(
+                    "flex items-center justify-between gap-3 rounded-lg border p-3 text-left transition-colors",
+                    selected ? "border-primary/25 bg-primary/8" : "border-border bg-muted/20 hover:bg-card",
+                  )}
+                >
+                  <span className="flex items-center gap-3">
+                    <span className="flex size-9 items-center justify-center rounded-lg bg-muted text-primary">
+                      {provider.provider === "usdt_trc20" ? <Coins className="size-5" /> : <CreditCard className="size-5" />}
+                    </span>
+                    <span className="font-semibold">{provider.name}</span>
+                  </span>
+                  {selected && <CheckCircle2 className="size-5 text-primary" />}
+                </button>
+              );
+            })}
+          </div>
+          <Button
+            className="w-full"
+            size="lg"
+            disabled={!selectedProvider || status === "creating"}
+            onClick={() => selectedProvider && void createPayment(selectedProvider)}
+          >
+            {status === "creating" ? "正在准备支付..." : "继续支付"}
+          </Button>
+        </>
+      )}
+
+      {payment && selectedProvider?.provider === "alipay_f2f" && payment.qrCode && (
+        <AlipayQrView qrCode={payment.qrCode} />
+      )}
+      {payment && selectedProvider?.provider === "usdt_trc20" && payment.raw && (
+        <UsdtView raw={payment.raw} />
+      )}
+      {payment && status === "waiting" && (
+        <div className="rounded-lg border border-primary/15 bg-primary/10 px-4 py-3 text-center text-sm text-primary">
+          <p className="animate-pulse font-semibold">正在等待支付结果返回</p>
+        </div>
+      )}
+
+      <div className="flex justify-center">
+        <Link href="/wallet" className={buttonVariants({ variant: "outline" })}>返回钱包</Link>
+      </div>
+    </div>
+  );
+}
--- a/src/app/(user)/wallet/wallet-data.ts
+++ b/src/app/(user)/wallet/wallet-data.ts
@@ -0,0 +1,24 @@
+import { prisma } from "@/lib/prisma";
+import { getOrCreateWallet } from "@/services/wallet";
+
+export async function getWalletPageData(userId: string) {
+  const wallet = await getOrCreateWallet(prisma, userId);
+  const [transactions, rechargeOrders] = await Promise.all([
+    prisma.walletTransaction.findMany({
+      where: { userId },
+      orderBy: { createdAt: "desc" },
+      take: 30,
+      include: {
+        order: { select: { id: true, plan: { select: { name: true } } } },
+        rechargeCard: { select: { code: true, type: true } },
+      },
+    }),
+    prisma.walletRechargeOrder.findMany({
+      where: { userId },
+      orderBy: { createdAt: "desc" },
+      take: 8,
+    }),
+  ]);
+
+  return { wallet, transactions, rechargeOrders };
+}
--- a/src/app/api/payment/create/route.ts
+++ b/src/app/api/payment/create/route.ts
@@ -7,6 +7,7 @@ import { rateLimit } from "@/lib/rate-limit";
 import { getSiteBaseUrl } from "@/services/site-url";
 import { getActiveSubscriptionRiskRestriction } from "@/services/subscription-risk-review";
 import { getOrderStatusLabel } from "@/lib/domain-labels";
+import { payOrderWithWallet } from "@/services/wallet";
 import { v4 as uuidv4 } from "uuid";

 const createPaymentSchema = z.object({
@@ -72,6 +73,14 @@ export async function POST(req: Request) {
      });
    }

+    if (payload.provider === "balance") {
+      const result = await payOrderWithWallet(order.id, session.user.id);
+      return jsonOk({
+        tradeNo: result.tradeNo,
+        raw: { status: "paid" },
+      });
+    }
+
    const adapter = await getPaymentAdapter(payload.provider);
    const tradeNo =
      order.tradeNo
--- a/src/app/api/payment/providers/route.ts
+++ b/src/app/api/payment/providers/route.ts
@@ -1,9 +1,12 @@
 import { jsonError, jsonOk } from "@/lib/api-response";
 import { getEnabledProviders } from "@/services/payment/factory";

-export async function GET() {
+export async function GET(req: Request) {
  try {
-    const providers = await getEnabledProviders();
+    const url = new URL(req.url);
+    const providers = await getEnabledProviders({
+      includeBalance: url.searchParams.get("target") !== "wallet",
+    });
    return jsonOk(providers);
  } catch (error) {
    return jsonError(error, { fallback: "获取支付方式失败" });
--- a/src/app/api/wallet/recharge/[id]/route.ts
+++ b/src/app/api/wallet/recharge/[id]/route.ts
@@ -0,0 +1,30 @@
+import { prisma } from "@/lib/prisma";
+import { getActiveSession } from "@/lib/require-auth";
+import { jsonError, jsonOk } from "@/lib/api-response";
+
+export async function GET(
+  _req: Request,
+  { params }: { params: Promise<{ id: string }> },
+) {
+  const session = await getActiveSession();
+  if (!session) return jsonError("未登录", { status: 401 });
+
+  const { id } = await params;
+  const recharge = await prisma.walletRechargeOrder.findUnique({
+    where: { id },
+  });
+  if (!recharge || recharge.userId !== session.user.id) {
+    return jsonError("充值订单不存在", { status: 404 });
+  }
+
+  return jsonOk({
+    id: recharge.id,
+    amount: Number(recharge.amount),
+    status: recharge.status,
+    paymentMethod: recharge.paymentMethod,
+    tradeNo: recharge.tradeNo,
+    paymentUrl: recharge.paymentUrl,
+    expireAt: recharge.expireAt?.toISOString() ?? null,
+    note: recharge.note,
+  });
+}
--- a/src/app/api/wallet/recharge/payment/create/route.ts
+++ b/src/app/api/wallet/recharge/payment/create/route.ts
@@ -0,0 +1,90 @@
+import { z } from "zod";
+import { v4 as uuidv4 } from "uuid";
+import { prisma } from "@/lib/prisma";
+import { getActiveSession } from "@/lib/require-auth";
+import { jsonError, jsonOk } from "@/lib/api-response";
+import { getPaymentAdapter } from "@/services/payment/factory";
+import { getSiteBaseUrl } from "@/services/site-url";
+
+const createRechargePaymentSchema = z.object({
+  rechargeId: z.string().trim().min(1),
+  provider: z.string().trim().min(1),
+  channel: z.string().trim().optional(),
+});
+
+function isSafePaymentUrl(value: string | undefined) {
+  if (!value) return true;
+  try {
+    const url = new URL(value);
+    return url.protocol === "https:" || url.protocol === "http:";
+  } catch {
+    return false;
+  }
+}
+
+export async function POST(req: Request) {
+  try {
+    const session = await getActiveSession();
+    if (!session) return jsonError("未登录", { status: 401 });
+
+    const payload = createRechargePaymentSchema.parse(await req.json());
+    if (payload.provider === "balance") {
+      return jsonError("余额充值不能使用余额支付", { status: 400 });
+    }
+
+    const recharge = await prisma.walletRechargeOrder.findUnique({
+      where: { id: payload.rechargeId },
+    });
+    if (!recharge || recharge.userId !== session.user.id) {
+      return jsonError("充值订单不存在", { status: 404 });
+    }
+    if (recharge.status !== "PENDING") {
+      return jsonError("充值订单已处理，不能继续支付", { status: 400 });
+    }
+
+    const adapter = await getPaymentAdapter(payload.provider);
+    const tradeNo =
+      recharge.tradeNo
+      || `WR-${Date.now()}-${uuidv4().slice(0, 8)}-${Number(recharge.amount).toFixed(2)}`;
+
+    const baseUrl = await getSiteBaseUrl({ headers: req.headers, requestUrl: req.url });
+    if (!baseUrl) {
+      return jsonError("请先在后台系统设置里配置网站 URL", { status: 400 });
+    }
+
+    const result = await adapter.createPayment({
+      tradeNo,
+      amount: Number(recharge.amount),
+      subject: `余额充值-${tradeNo.slice(0, 8)}`,
+      notifyUrl: `${baseUrl}/api/payment/notify/${payload.provider}`,
+      returnUrl: `${baseUrl}/wallet/recharge/${payload.rechargeId}?status=return`,
+      channel: payload.channel,
+    });
+
+    if (!result.success) {
+      return jsonError("支付单创建失败，请检查支付配置或稍后重试", { status: 500 });
+    }
+    if (!isSafePaymentUrl(result.paymentUrl)) {
+      return jsonError("支付网关返回了无效跳转地址", { status: 502 });
+    }
+
+    await prisma.walletRechargeOrder.update({
+      where: { id: payload.rechargeId },
+      data: {
+        tradeNo,
+        paymentMethod: payload.provider,
+        paymentUrl: result.paymentUrl || null,
+        expireAt: new Date(Date.now() + 30 * 60 * 1000),
+      },
+    });
+
+    return jsonOk({
+      tradeNo,
+      paymentUrl: result.paymentUrl,
+      qrCode: result.qrCode,
+      raw: result.raw,
+    });
+  } catch (error) {
+    return jsonError(error, { fallback: "创建充值支付失败" });
+  }
+}
--- a/src/app/api/wallet/recharge/query/[tradeNo]/route.ts
+++ b/src/app/api/wallet/recharge/query/[tradeNo]/route.ts
@@ -0,0 +1,50 @@
+import { prisma } from "@/lib/prisma";
+import { getActiveSession } from "@/lib/require-auth";
+import { jsonError, jsonOk } from "@/lib/api-response";
+import { getPaymentAdapter } from "@/services/payment/factory";
+import { processWalletRechargeSuccess } from "@/services/wallet";
+
+export async function GET(
+  _req: Request,
+  { params }: { params: Promise<{ tradeNo: string }> },
+) {
+  const session = await getActiveSession();
+  if (!session) return jsonError("未登录", { status: 401 });
+
+  const { tradeNo } = await params;
+  const recharge = await prisma.walletRechargeOrder.findUnique({
+    where: { tradeNo },
+    select: {
+      userId: true,
+      status: true,
+      paymentMethod: true,
+      createdAt: true,
+      note: true,
+    },
+  });
+
+  if (!recharge || recharge.userId !== session.user.id) {
+    return jsonError("充值订单不存在", { status: 404 });
+  }
+  if (recharge.status === "PAID") {
+    return jsonOk({ status: "paid" });
+  }
+  if (recharge.status !== "PENDING" || !recharge.paymentMethod) {
+    return jsonOk({ status: recharge.status.toLowerCase() });
+  }
+
+  try {
+    const adapter = await getPaymentAdapter(recharge.paymentMethod);
+    const result = await adapter.queryOrder(tradeNo, recharge.createdAt.getTime());
+    if (result?.status === "success") {
+      const processed = await processWalletRechargeSuccess(tradeNo, result.amount, result.paymentRef);
+      if (processed.finalStatus === "PAID") {
+        return jsonOk({ status: "paid" });
+      }
+    }
+  } catch (error) {
+    return jsonError(error, { fallback: "查询充值支付状态失败" });
+  }
+
+  return jsonOk({ status: "pending" });
+}
--- a/src/components/user/sidebar.tsx
+++ b/src/components/user/sidebar.tsx
@@ -8,6 +8,7 @@ import {
  ShoppingCart,
  UserCircle2,
  MessageSquareWarning,
+  WalletCards,
 } from "lucide-react";
 import { Sidebar, type SidebarGroup, type SidebarLink } from "@/components/shared/sidebar";
 import { PRODUCT_NAME } from "@/lib/product";
@@ -18,6 +19,7 @@ export const userLinks: SidebarLink[] = [
  { href: "/store", label: "套餐商店", icon: <ShoppingBag size={16} /> },
  { href: "/cart", label: "购物车", icon: <ShoppingCart size={16} /> },
  { href: "/subscriptions", label: "我的订阅", icon: <Radio size={16} /> },
+  { href: "/wallet", label: "我的钱包", icon: <WalletCards size={16} /> },
  { href: "/orders", label: "我的订单", icon: <ClipboardList size={16} /> },
  { href: "/support", label: "工单售后", icon: <MessageSquareWarning size={16} /> },
  { href: "/account", label: "账户中心", icon: <UserCircle2 size={16} /> },
@@ -30,11 +32,11 @@ export const userNavGroups: SidebarGroup[] = [
  },
  {
    label: "记录",
-    links: userLinks.slice(4, 5),
+    links: userLinks.slice(4, 6),
  },
  {
    label: "支持",
-    links: userLinks.slice(5),
+    links: userLinks.slice(6),
  },
 ];

--- a/src/services/payment/catalog.ts
+++ b/src/services/payment/catalog.ts
@@ -46,13 +46,26 @@ const usdtTrc20Schema = z.object({
    .transform((value) => value ?? ""),
 });

+const balanceSchema = z.object({
+  displayName: displayNameField,
+});
+
 const paymentConfigSchemas = {
+  balance: balanceSchema,
  epay: epaySchema,
  alipay_f2f: alipayF2fSchema,
  usdt_trc20: usdtTrc20Schema,
 } as const;

 export const PAYMENT_PROVIDER_DEFINITIONS: PaymentProviderDefinition[] = [
+  {
+    id: "balance",
+    name: "余额支付",
+    description: "使用用户钱包余额支付订单，默认启用",
+    fields: [
+      { key: "displayName", label: "用户端显示名称", placeholder: "留空则显示余额支付" },
+    ],
+  },
  {
    id: "epay",
    name: "易支付",
--- a/src/services/payment/factory.ts
+++ b/src/services/payment/factory.ts
@@ -13,6 +13,10 @@ export async function getPaymentAdapter(provider: string): Promise<PaymentAdapte
  // epay_alipay / epay_wxpay both use the epay adapter
  const realProvider = provider.startsWith("epay") ? "epay" : provider;

+  if (realProvider === "balance") {
+    throw new Error("余额支付不需要外部支付适配器");
+  }
+
  const config = await prisma.paymentConfig.findUnique({
    where: { provider: realProvider },
  });
@@ -28,11 +32,11 @@ export async function getPaymentAdapter(provider: string): Promise<PaymentAdapte

  switch (realProvider) {
    case "epay":
-      return new EasyPayAdapter(cfg as EasyPayConfig);
+      return new EasyPayAdapter(cfg as unknown as EasyPayConfig);
    case "alipay_f2f":
-      return new AlipayF2FAdapter(cfg as AlipayF2FConfig);
+      return new AlipayF2FAdapter(cfg as unknown as AlipayF2FConfig);
    case "usdt_trc20":
-      return new UsdtTrc20Adapter(cfg as UsdtTrc20Config);
+      return new UsdtTrc20Adapter(cfg as unknown as UsdtTrc20Config);
    default:
      throw new Error("未知支付方式");
  }
@@ -44,15 +48,37 @@ export interface EnabledProvider {
  channel?: string;
 }

-export async function getEnabledProviders(): Promise<EnabledProvider[]> {
+export async function isBalancePaymentEnabled() {
+  const config = await prisma.paymentConfig.findUnique({
+    where: { provider: "balance" },
+    select: { enabled: true },
+  });
+  return config?.enabled ?? true;
+}
+
+export async function getEnabledProviders(options: { includeBalance?: boolean } = {}): Promise<EnabledProvider[]> {
  const configs = await prisma.paymentConfig.findMany({
    where: { enabled: true },
    select: { provider: true, config: true },
  });

  const result: EnabledProvider[] = [];
+  const includeBalance = options.includeBalance ?? true;
+
+  if (includeBalance && await isBalancePaymentEnabled()) {
+    const balanceConfig = await prisma.paymentConfig.findUnique({
+      where: { provider: "balance" },
+      select: { config: true },
+    });
+    const cfg = balanceConfig?.config as Record<string, string> | null;
+    result.push({
+      provider: "balance",
+      name: cfg?.displayName || getPaymentProviderName("balance"),
+    });
+  }

  for (const c of configs) {
+    if (c.provider === "balance") continue;
    const cfg = c.config as Record<string, string> | null;

    if (c.provider === "epay") {
--- a/src/services/payment/process.ts
+++ b/src/services/payment/process.ts
@@ -5,6 +5,7 @@ import { createNotification } from "@/services/notifications";
 import { provisionSubscriptionWithDb } from "@/services/provision";
 import { recordTaskFailure } from "@/services/task-center";
 import { issueInviteRewardForOrder } from "@/services/invite-rewards";
+import { processWalletRechargeSuccess } from "@/services/wallet";

 export interface PaymentProcessResult {
  processed: boolean;
@@ -144,7 +145,11 @@ export async function handleVerifiedPaymentSuccess(
  });

  if (!order) {
-    return { processed: false, finalStatus: null } satisfies PaymentProcessResult;
+    const walletResult = await processWalletRechargeSuccess(tradeNo, paidAmount, paymentRef);
+    return {
+      processed: walletResult.processed,
+      finalStatus: walletResult.finalStatus,
+    } satisfies PaymentProcessResult;
  }

  const expectedAmount = Number(order.amount);
--- a/src/services/plan-availability.ts
+++ b/src/services/plan-availability.ts
@@ -1,5 +1,5 @@
-import { prisma } from "@/lib/prisma";
-import type { SubscriptionPlan, SubscriptionType } from "@prisma/client";
+import { prisma, type DbClient } from "@/lib/prisma";
+import type { Prisma, SubscriptionPlan, SubscriptionType } from "@prisma/client";
 import { format } from "date-fns";

 type PlanAvailabilityInput = Pick<
@@ -13,6 +13,7 @@ export interface PlanAvailability {
  available: boolean;
  reason: AvailabilityReason | null;
  activeCount: number;
+  reservedCardCount: number;
  totalLimit: number | null;
  remainingByPlanLimit: number | null;
  remainingByServiceCapacity: number | null;
@@ -41,24 +42,66 @@ export function buildUnavailableMessage(availability: PlanAvailability): string
  return `${prefix}，预计最早可购买时间：${formatAvailabilityDateTime(availability.nextAvailableAt)}`;
 }

-async function getEarliestPlanExpiry(planId: string): Promise<Date | null> {
-  const earliest = await prisma.userSubscription.findFirst({
-    where: {
-      planId,
-      status: "ACTIVE",
-    },
-    select: { endDate: true },
-    orderBy: { endDate: "asc" },
-  });
+export function activePlanCardReservationWhere(now = new Date()): Prisma.RechargeCardWhereInput {
+  return {
+    type: "PLAN",
+    status: "UNUSED",
+    OR: [
+      { expiresAt: null },
+      { expiresAt: { gt: now } },
+    ],
+  };
+}

-  return earliest?.endDate ?? null;
+export async function getPlanCardReservationCount(
+  planId: string,
+  options: { db?: DbClient; now?: Date } = {},
+): Promise<number> {
+  const db = options.db ?? prisma;
+  return db.rechargeCard.count({
+    where: {
+      ...activePlanCardReservationWhere(options.now),
+      planId,
+    },
+  });
+}
+
+async function getEarliestPlanStockRelease(db: DbClient, planId: string): Promise<Date | null> {
+  const [earliestSubscription, earliestCard] = await Promise.all([
+    db.userSubscription.findFirst({
+      where: {
+        planId,
+        status: "ACTIVE",
+      },
+      select: { endDate: true },
+      orderBy: { endDate: "asc" },
+    }),
+    db.rechargeCard.findFirst({
+      where: {
+        ...activePlanCardReservationWhere(),
+        planId,
+        expiresAt: { not: null },
+      },
+      select: { expiresAt: true },
+      orderBy: { expiresAt: "asc" },
+    }),
+  ]);
+
+  const candidates = [
+    earliestSubscription?.endDate ?? null,
+    earliestCard?.expiresAt ?? null,
+  ].filter((date): date is Date => Boolean(date));
+
+  if (candidates.length === 0) return null;
+  return candidates.sort((a, b) => a.getTime() - b.getTime())[0];
 }

 async function getEarliestUserPlanExpiry(
+  db: DbClient,
  planId: string,
  userId: string,
 ): Promise<Date | null> {
-  const earliest = await prisma.userSubscription.findFirst({
+  const earliest = await db.userSubscription.findFirst({
    where: {
      planId,
      userId,
@@ -71,10 +114,10 @@ async function getEarliestUserPlanExpiry(
  return earliest?.endDate ?? null;
 }

-async function getEarliestServiceExpiry(serviceIds: string[]): Promise<Date | null> {
+async function getEarliestServiceExpiry(db: DbClient, serviceIds: string[]): Promise<Date | null> {
  if (serviceIds.length === 0) return null;

-  const earliest = await prisma.userSubscription.findFirst({
+  const earliest = await db.userSubscription.findFirst({
    where: {
      status: "ACTIVE",
      streamingSlot: {
@@ -90,7 +133,49 @@ async function getEarliestServiceExpiry(serviceIds: string[]): Promise<Date | nu
  return earliest?.endDate ?? null;
 }

+function earliestDate(...dates: Array<Date | null | undefined>) {
+  const candidates = dates.filter((date): date is Date => Boolean(date));
+  if (candidates.length === 0) return null;
+  return candidates.sort((a, b) => a.getTime() - b.getTime())[0];
+}
+
+function streamingCardReservationPlanFilter(streamingServiceId?: string) {
+  return streamingServiceId
+    ? { type: "STREAMING" as const, streamingServiceId }
+    : { type: "STREAMING" as const };
+}
+
+async function getStreamingCardReservationCount(
+  db: DbClient,
+  streamingServiceId?: string,
+): Promise<number> {
+  return db.rechargeCard.count({
+    where: {
+      ...activePlanCardReservationWhere(),
+      plan: { is: streamingCardReservationPlanFilter(streamingServiceId) },
+    },
+  });
+}
+
+async function getEarliestStreamingCardReservationExpiry(
+  db: DbClient,
+  streamingServiceId?: string,
+): Promise<Date | null> {
+  const earliest = await db.rechargeCard.findFirst({
+    where: {
+      ...activePlanCardReservationWhere(),
+      expiresAt: { not: null },
+      plan: { is: streamingCardReservationPlanFilter(streamingServiceId) },
+    },
+    select: { expiresAt: true },
+    orderBy: { expiresAt: "asc" },
+  });
+
+  return earliest?.expiresAt ?? null;
+}
+
 async function evaluateStreamingCapacity(
+  db: DbClient,
  type: SubscriptionType,
  streamingServiceId: string | null,
 ): Promise<{
@@ -103,7 +188,7 @@ async function evaluateStreamingCapacity(
  }

  if (streamingServiceId) {
-    const service = await prisma.streamingService.findUnique({
+    const service = await db.streamingService.findUnique({
      where: { id: streamingServiceId },
      select: {
        id: true,
@@ -117,29 +202,42 @@ async function evaluateStreamingCapacity(
      return { blocked: true, remaining: 0, nextAvailableAt: null };
    }

-    const remaining = Math.max(0, service.maxSlots - service.usedSlots);
+    const reservedCards = await getStreamingCardReservationCount(db, service.id);
+    const remaining = Math.max(0, service.maxSlots - service.usedSlots - reservedCards);
    if (remaining > 0) {
      return { blocked: false, remaining, nextAvailableAt: null };
    }

-    const nextAvailableAt = await getEarliestServiceExpiry([service.id]);
+    const [serviceNextAt, cardNextAt] = await Promise.all([
+      getEarliestServiceExpiry(db, [service.id]),
+      getEarliestStreamingCardReservationExpiry(db, service.id),
+    ]);
+    const nextAvailableAt = earliestDate(serviceNextAt, cardNextAt);
    return { blocked: true, remaining: 0, nextAvailableAt };
  }

-  const services = await prisma.streamingService.findMany({
-    where: { isActive: true },
-    select: { id: true, maxSlots: true, usedSlots: true },
-  });
+  const [services, reservedCards] = await Promise.all([
+    db.streamingService.findMany({
+      where: { isActive: true },
+      select: { id: true, maxSlots: true, usedSlots: true },
+    }),
+    getStreamingCardReservationCount(db),
+  ]);

-  const totalRemaining = services.reduce(
+  const totalRemainingBeforeReservations = services.reduce(
    (sum, service) => sum + Math.max(0, service.maxSlots - service.usedSlots),
    0,
  );
+  const totalRemaining = Math.max(0, totalRemainingBeforeReservations - reservedCards);
  if (totalRemaining > 0) {
    return { blocked: false, remaining: totalRemaining, nextAvailableAt: null };
  }

-  const nextAvailableAt = await getEarliestServiceExpiry(services.map((service) => service.id));
+  const [serviceNextAt, cardNextAt] = await Promise.all([
+    getEarliestServiceExpiry(db, services.map((service) => service.id)),
+    getEarliestStreamingCardReservationExpiry(db),
+  ]);
+  const nextAvailableAt = earliestDate(serviceNextAt, cardNextAt);
  return { blocked: true, remaining: 0, nextAvailableAt };
 }

@@ -172,26 +270,30 @@ function resolveNextAvailability(

 export async function getPlanAvailability(
  plan: PlanAvailabilityInput,
-  options?: { userId?: string },
+  options?: { userId?: string; db?: DbClient },
 ): Promise<PlanAvailability> {
-  const activeCount = await prisma.userSubscription.count({
-    where: {
-      planId: plan.id,
-      status: "ACTIVE",
-    },
-  });
+  const db = options?.db ?? prisma;
+  const [activeCount, reservedCardCount] = await Promise.all([
+    db.userSubscription.count({
+      where: {
+        planId: plan.id,
+        status: "ACTIVE",
+      },
+    }),
+    getPlanCardReservationCount(plan.id, { db }),
+  ]);

  const totalLimit = plan.totalLimit ?? null;
  const remainingByPlanLimit =
-    totalLimit == null ? null : Math.max(0, totalLimit - activeCount);
+    totalLimit == null ? null : Math.max(0, totalLimit - activeCount - reservedCardCount);
  const planBlocked = remainingByPlanLimit !== null && remainingByPlanLimit <= 0;
-  const planNextAt = planBlocked ? await getEarliestPlanExpiry(plan.id) : null;
+  const planNextAt = planBlocked ? await getEarliestPlanStockRelease(db, plan.id) : null;

  let remainingByUserLimit: number | null = null;
  let userBlocked = false;
  let userNextAt: Date | null = null;
  if (plan.perUserLimit != null && options?.userId) {
-    const userActiveCount = await prisma.userSubscription.count({
+    const userActiveCount = await db.userSubscription.count({
      where: {
        planId: plan.id,
        userId: options.userId,
@@ -201,11 +303,12 @@ export async function getPlanAvailability(
    remainingByUserLimit = Math.max(0, plan.perUserLimit - userActiveCount);
    userBlocked = remainingByUserLimit <= 0;
    if (userBlocked) {
-      userNextAt = await getEarliestUserPlanExpiry(plan.id, options.userId);
+      userNextAt = await getEarliestUserPlanExpiry(db, plan.id, options.userId);
    }
  }

  const streaming = await evaluateStreamingCapacity(
+    db,
    plan.type,
    plan.streamingServiceId ?? null,
  );
@@ -221,6 +324,7 @@ export async function getPlanAvailability(
    available: !userBlocked && !planBlocked && !streaming.blocked,
    reason: resolution.reason,
    activeCount,
+    reservedCardCount,
    totalLimit,
    remainingByPlanLimit,
    remainingByServiceCapacity: streaming.remaining,
--- a/src/services/wallet.ts
+++ b/src/services/wallet.ts
@@ -0,0 +1,486 @@
+import crypto from "crypto";
+import { Prisma } from "@prisma/client";
+import { prisma, type DbClient } from "@/lib/prisma";
+import { createNotification } from "@/services/notifications";
+import { provisionSubscriptionWithDb } from "@/services/provision";
+import { getPaymentProviderName } from "@/services/payment/catalog";
+import { getPlanAvailability, type PlanAvailability } from "@/services/plan-availability";
+
+const MONEY_SCALE = 100;
+
+function toMoneyDecimal(value: number | string | Prisma.Decimal) {
+  const amount = value instanceof Prisma.Decimal ? value.toNumber() : Number(value);
+  if (!Number.isFinite(amount) || amount <= 0) {
+    throw new Error("金额必须大于 0");
+  }
+  return new Prisma.Decimal(Math.round(amount * MONEY_SCALE) / MONEY_SCALE);
+}
+
+function generateRedeemCode(prefix = "JB") {
+  const random = crypto.randomUUID().replace(/-/g, "").slice(0, 18).toUpperCase();
+  return `${prefix}-${random.slice(0, 6)}-${random.slice(6, 12)}-${random.slice(12, 18)}`;
+}
+
+async function createUniqueRedeemCode(db: DbClient, prefix?: string) {
+  for (let index = 0; index < 8; index += 1) {
+    const code = generateRedeemCode(prefix);
+    const existing = await db.rechargeCard.findUnique({
+      where: { code },
+      select: { id: true },
+    });
+    if (!existing) return code;
+  }
+  throw new Error("充值卡卡密生成失败，请重试");
+}
+
+export async function getOrCreateWallet(db: DbClient, userId: string) {
+  return db.walletAccount.upsert({
+    where: { userId },
+    update: {},
+    create: { userId, balance: 0 },
+  });
+}
+
+export async function getWalletBalance(userId: string) {
+  const wallet = await getOrCreateWallet(prisma, userId);
+  return Number(wallet.balance);
+}
+
+export async function creditWallet(
+  db: DbClient,
+  input: {
+    userId: string;
+    amount: number | string | Prisma.Decimal;
+    type: "BALANCE_RECHARGE" | "CARD_REDEEM" | "ADMIN_ADJUST" | "REFUND";
+    description?: string;
+    orderId?: string | null;
+    rechargeOrderId?: string | null;
+    rechargeCardId?: string | null;
+    metadata?: Prisma.InputJsonValue;
+  },
+) {
+  const amount = toMoneyDecimal(input.amount);
+  await getOrCreateWallet(db, input.userId);
+
+  const wallet = await db.walletAccount.update({
+    where: { userId: input.userId },
+    data: { balance: { increment: amount } },
+  });
+
+  await db.walletTransaction.create({
+    data: {
+      walletId: wallet.id,
+      userId: input.userId,
+      type: input.type,
+      amount,
+      balanceAfter: wallet.balance,
+      description: input.description ?? null,
+      orderId: input.orderId ?? null,
+      rechargeOrderId: input.rechargeOrderId ?? null,
+      rechargeCardId: input.rechargeCardId ?? null,
+      metadata: input.metadata ?? undefined,
+    },
+  });
+
+  return wallet;
+}
+
+export async function debitWalletForOrder(
+  db: DbClient,
+  input: {
+    userId: string;
+    orderId: string;
+    amount: number | string | Prisma.Decimal;
+    description?: string;
+  },
+) {
+  const amount = toMoneyDecimal(input.amount);
+  await getOrCreateWallet(db, input.userId);
+
+  const claimed = await db.walletAccount.updateMany({
+    where: {
+      userId: input.userId,
+      balance: { gte: amount },
+    },
+    data: { balance: { decrement: amount } },
+  });
+
+  if (claimed.count === 0) {
+    throw new Error("余额不足，请先充值后再支付");
+  }
+
+  const wallet = await db.walletAccount.findUniqueOrThrow({
+    where: { userId: input.userId },
+  });
+
+  await db.walletTransaction.create({
+    data: {
+      walletId: wallet.id,
+      userId: input.userId,
+      type: "BALANCE_PAYMENT",
+      amount: amount.negated(),
+      balanceAfter: wallet.balance,
+      description: input.description ?? "余额支付订单",
+      orderId: input.orderId,
+    },
+  });
+
+  return wallet;
+}
+
+type PlanCardSnapshot = {
+  type: "PROXY" | "STREAMING";
+  nodeId: string | null;
+  inboundId: string | null;
+  fixedTrafficGb: number | null;
+  minTrafficGb: number | null;
+  totalTrafficGb: number | null;
+  inboundOptions?: Array<{ inboundId: string; inbound: { isActive: boolean; serverId: string } }>;
+};
+
+function resolvePlanCardConfig(card: {
+  selectedInboundId: string | null;
+  trafficGb: number | null;
+  plan: PlanCardSnapshot;
+}) {
+  const plan = card.plan;
+  if (plan.type === "STREAMING") {
+    return { selectedInboundId: null, trafficGb: null };
+  }
+
+  const selectedInboundId =
+    card.selectedInboundId
+    ?? plan.inboundId
+    ?? card.plan.inboundOptions?.find(
+      (item) => item.inbound.isActive && (!plan.nodeId || item.inbound.serverId === plan.nodeId),
+    )?.inboundId
+    ?? null;
+
+  const trafficGb =
+    card.trafficGb
+    ?? plan.fixedTrafficGb
+    ?? plan.minTrafficGb
+    ?? plan.totalTrafficGb
+    ?? null;
+
+  if (!selectedInboundId) {
+    throw new Error("套餐充值卡缺少可用线路，无法自动开通代理套餐");
+  }
+  if (!trafficGb || trafficGb <= 0) {
+    throw new Error("套餐充值卡缺少可用流量配置");
+  }
+
+  return { selectedInboundId, trafficGb };
+}
+
+function getPlanCardGenerationLimit(planType: "PROXY" | "STREAMING", availability: PlanAvailability) {
+  const limits: number[] = [];
+  if (availability.remainingByPlanLimit != null) {
+    limits.push(availability.remainingByPlanLimit);
+  }
+  if (planType === "STREAMING" && availability.remainingByServiceCapacity != null) {
+    limits.push(availability.remainingByServiceCapacity);
+  }
+
+  return limits.length > 0 ? Math.min(...limits) : null;
+}
+
+export async function payOrderWithWallet(orderId: string, userId: string) {
+  const tradeNo = `BAL-${Date.now()}-${crypto.randomUUID().slice(0, 8)}`;
+
+  return prisma.$transaction(async (tx) => {
+    const config = await tx.paymentConfig.findUnique({
+      where: { provider: "balance" },
+      select: { enabled: true },
+    });
+    if (config && !config.enabled) {
+      throw new Error("余额支付当前已关闭");
+    }
+
+    const order = await tx.order.findUnique({
+      where: { id: orderId },
+      include: { plan: true, user: true },
+    });
+
+    if (!order || order.userId !== userId) {
+      throw new Error("订单不存在");
+    }
+    if (order.status !== "PENDING") {
+      throw new Error("这笔订单已经不在待支付状态");
+    }
+
+    const amount = toMoneyDecimal(order.amount);
+    await debitWalletForOrder(tx, {
+      userId,
+      orderId,
+      amount,
+      description: `余额支付 ${order.plan.name}`,
+    });
+
+    const paidOrder = await tx.order.update({
+      where: { id: orderId },
+      data: {
+        status: "PAID",
+        paymentMethod: "balance",
+        paymentRef: tradeNo,
+        paymentUrl: null,
+        tradeNo,
+        expireAt: null,
+        note: null,
+      },
+      include: { plan: true, user: true },
+    });
+
+    const affectedNodeIds = await provisionSubscriptionWithDb(paidOrder, tx);
+    return { tradeNo, affectedNodeIds };
+  });
+}
+
+export async function createWalletRechargeOrder(userId: string, amountValue: number) {
+  const amount = toMoneyDecimal(amountValue);
+  return prisma.walletRechargeOrder.create({
+    data: { userId, amount },
+  });
+}
+
+export async function processWalletRechargeSuccess(
+  tradeNo: string,
+  paidAmount: number,
+  paymentRef?: string,
+) {
+  if (!Number.isFinite(paidAmount) || paidAmount <= 0) {
+    return { processed: false, finalStatus: null as null | "PENDING" | "PAID" };
+  }
+
+  const rechargeOrder = await prisma.walletRechargeOrder.findUnique({
+    where: { tradeNo },
+  });
+  if (!rechargeOrder) {
+    return { processed: false, finalStatus: null as null | "PENDING" | "PAID" };
+  }
+
+  const expectedAmount = Number(rechargeOrder.amount);
+  if (Math.abs(expectedAmount - paidAmount) > 0.01) {
+    throw new Error("支付金额与充值金额不一致");
+  }
+
+  return prisma.$transaction(async (tx) => {
+    const claimed = await tx.walletRechargeOrder.updateMany({
+      where: { id: rechargeOrder.id, status: "PENDING" },
+      data: {
+        status: "PAID",
+        paymentRef: paymentRef ?? rechargeOrder.paymentRef,
+        note: null,
+      },
+    });
+
+    if (claimed.count === 0) {
+      const current = await tx.walletRechargeOrder.findUnique({
+        where: { id: rechargeOrder.id },
+        select: { status: true },
+      });
+      return { processed: false, finalStatus: current?.status ?? null };
+    }
+
+    await creditWallet(tx, {
+      userId: rechargeOrder.userId,
+      amount: rechargeOrder.amount,
+      type: "BALANCE_RECHARGE",
+      description: `${getPaymentProviderName(rechargeOrder.paymentMethod ?? "")} 余额充值`,
+      rechargeOrderId: rechargeOrder.id,
+      metadata: { tradeNo },
+    });
+
+    await createNotification(
+      {
+        userId: rechargeOrder.userId,
+        type: "ORDER",
+        level: "SUCCESS",
+        title: "余额充值成功",
+        body: `已充值 ¥${expectedAmount.toFixed(2)} 到账户余额。`,
+        link: "/wallet",
+        dedupeKey: `wallet-recharge:${rechargeOrder.id}`,
+      },
+      tx,
+    );
+
+    return { processed: true, finalStatus: "PAID" as const };
+  });
+}
+
+export async function createRechargeCards(input: {
+  createdById: string;
+  type: "BALANCE" | "PLAN";
+  quantity: number;
+  balanceAmount?: number;
+  planId?: string;
+  batchName?: string | null;
+  expiresAt?: Date | null;
+}) {
+  const quantity = Math.min(Math.max(input.quantity, 1), 200);
+
+  return prisma.$transaction(async (tx) => {
+    let plan:
+      | (NonNullable<Awaited<ReturnType<typeof tx.subscriptionPlan.findUnique>>> & {
+        inboundOptions: Array<{ inboundId: string; inbound: { isActive: boolean; serverId: string } }>;
+      })
+      | null = null;
+
+    if (input.type === "PLAN") {
+      if (!input.planId) throw new Error("请选择套餐");
+      plan = await tx.subscriptionPlan.findUnique({
+        where: { id: input.planId },
+        include: {
+          inboundOptions: {
+            include: { inbound: { select: { isActive: true, serverId: true } } },
+          },
+        },
+      });
+      if (!plan) throw new Error("套餐不存在");
+      if (!plan.isActive) throw new Error("只能为上架中的套餐生成兑换卡");
+
+      const availability = await getPlanAvailability(plan, { db: tx });
+      const remaining = getPlanCardGenerationLimit(plan.type, availability);
+      if (remaining != null && quantity > remaining) {
+        throw new Error(`套餐剩余库存不足，当前最多可生成 ${remaining} 张`);
+      }
+    }
+
+    const cards = [];
+    for (let index = 0; index < quantity; index += 1) {
+      const code = await createUniqueRedeemCode(tx, input.type === "PLAN" ? "JP" : "JB");
+      cards.push(
+        await tx.rechargeCard.create({
+          data: {
+            code,
+            type: input.type,
+            balanceAmount:
+              input.type === "BALANCE" ? toMoneyDecimal(input.balanceAmount ?? 0) : null,
+            planId: input.type === "PLAN" ? input.planId! : null,
+            trafficGb: input.type === "PLAN" && plan?.type === "PROXY"
+              ? plan.fixedTrafficGb ?? plan.minTrafficGb ?? plan.totalTrafficGb
+              : null,
+            selectedInboundId: input.type === "PLAN" && plan?.type === "PROXY"
+              ? plan.inboundId
+                ?? plan.inboundOptions.find(
+                  (item) => item.inbound.isActive && (!plan?.nodeId || item.inbound.serverId === plan.nodeId),
+                )?.inboundId
+                ?? null
+              : null,
+            batchName: input.batchName || null,
+            expiresAt: input.expiresAt ?? null,
+            createdById: input.createdById,
+          },
+        }),
+      );
+    }
+
+    return cards;
+  });
+}
+
+export async function redeemRechargeCard(userId: string, rawCode: string) {
+  const code = rawCode.trim().toUpperCase();
+  if (!code) throw new Error("请输入充值卡卡密");
+
+  return prisma.$transaction(async (tx) => {
+    const card = await tx.rechargeCard.findUnique({
+      where: { code },
+      include: {
+        plan: {
+          include: {
+            inboundOptions: {
+              include: { inbound: { select: { isActive: true, serverId: true } } },
+            },
+          },
+        },
+      },
+    });
+
+    if (!card) throw new Error("充值卡不存在");
+    if (card.status !== "UNUSED") throw new Error("这张充值卡已使用或已停用");
+    if (card.expiresAt && card.expiresAt < new Date()) {
+      await tx.rechargeCard.update({
+        where: { id: card.id },
+        data: { status: "EXPIRED" },
+      });
+      throw new Error("这张充值卡已过期");
+    }
+
+    if (card.type === "BALANCE") {
+      if (!card.balanceAmount || Number(card.balanceAmount) <= 0) {
+        throw new Error("余额充值卡金额无效");
+      }
+
+      await creditWallet(tx, {
+        userId,
+        amount: card.balanceAmount,
+        type: "CARD_REDEEM",
+        description: "兑换余额充值卡",
+        rechargeCardId: card.id,
+      });
+    } else {
+      if (!card.plan) throw new Error("套餐充值卡绑定的套餐不存在");
+      const { selectedInboundId, trafficGb } = resolvePlanCardConfig({
+        selectedInboundId: card.selectedInboundId,
+        trafficGb: card.trafficGb,
+        plan: card.plan,
+      });
+      const order = await tx.order.create({
+        data: {
+          userId,
+          planId: card.plan.id,
+          kind: "NEW_PURCHASE",
+          selectedInboundId,
+          trafficGb,
+          amount: 0,
+          subtotalAmount: 0,
+          discountAmount: 0,
+          status: "PAID",
+          paymentMethod: "recharge_card",
+          paymentRef: card.code,
+          tradeNo: `CARD-${Date.now()}-${crypto.randomUUID().slice(0, 8)}`,
+        },
+        include: { plan: true, user: true },
+      });
+
+      await provisionSubscriptionWithDb(order, tx);
+    }
+
+    await tx.rechargeCard.update({
+      where: { id: card.id },
+      data: {
+        status: "REDEEMED",
+        redeemedById: userId,
+        redeemedAt: new Date(),
+      },
+    });
+
+    await createNotification(
+      {
+        userId,
+        type: "ORDER",
+        level: "SUCCESS",
+        title: card.type === "BALANCE" ? "余额充值卡兑换成功" : "套餐充值卡兑换成功",
+        body: card.type === "BALANCE"
+          ? `已充值 ¥${Number(card.balanceAmount).toFixed(2)} 到账户余额。`
+          : `${card.plan?.name ?? "套餐"} 已激活。`,
+        link: card.type === "BALANCE" ? "/wallet" : "/subscriptions",
+        dedupeKey: `recharge-card-redeemed:${card.id}`,
+      },
+      tx,
+    );
+
+    return card.type;
+  });
+}
+
+export async function expireOldRechargeCards() {
+  await prisma.rechargeCard.updateMany({
+    where: {
+      status: "UNUSED",
+      expiresAt: { lt: new Date() },
+    },
+    data: { status: "EXPIRED" },
+  });
+}