feat(wallet): 钱包系统替代配额系统，新增支付与退款机制

- 新增钱包余额管理、充值、扣费、退款完整流程
- 新增支付网关抽象层（支持手动/支付宝/微信）
- 用量计费从配额系统迁移到钱包余额扣费
- 新增管理员钱包管理与支付订单管理页面
- 新增用户钱包中心页面
- 移除独立 Key 锁定机制，统一由钱包余额控制
- 新增相关 API 路由、序列化器与数据库迁移
- 新增钱包、支付、退款相关测试

frontend/src/api/admin-payments.ts

@@ -0,0 +1,93 @@
+import apiClient from './client'
+import type { PaymentOrder } from './wallet'
+
+export interface PaymentCallbackRecord {
+  id: string
+  payment_order_id: string | null
+  payment_method: string
+  callback_key: string
+  order_no: string | null
+  gateway_order_id: string | null
+  payload_hash: string | null
+  signature_valid: boolean
+  status: string
+  payload: Record<string, unknown> | null
+  error_message: string | null
+  created_at: string
+  processed_at: string | null
+}
+
+export interface AdminPaymentOrderListResponse {
+  items: PaymentOrder[]
+  total: number
+  limit: number
+  offset: number
+}
+
+export interface AdminPaymentCallbacksResponse {
+  items: PaymentCallbackRecord[]
+  total: number
+  limit: number
+  offset: number
+}
+
+export interface AdminPaymentCreditRequest {
+  gateway_order_id?: string
+  pay_amount?: number
+  pay_currency?: string
+  exchange_rate?: number
+  gateway_response?: Record<string, unknown>
+}
+
+export const adminPaymentsApi = {
+  async listOrders(params?: {
+    status?: string
+    payment_method?: string
+    limit?: number
+    offset?: number
+  }): Promise<AdminPaymentOrderListResponse> {
+    const response = await apiClient.get<AdminPaymentOrderListResponse>('/api/admin/payments/orders', { params })
+    return response.data
+  },
+
+  async getOrder(orderId: string): Promise<{ order: PaymentOrder }> {
+    const response = await apiClient.get<{ order: PaymentOrder }>(`/api/admin/payments/orders/${orderId}`)
+    return response.data
+  },
+
+  async expireOrder(orderId: string): Promise<{ order: PaymentOrder; expired: boolean }> {
+    const response = await apiClient.post<{ order: PaymentOrder; expired: boolean }>(
+      `/api/admin/payments/orders/${orderId}/expire`,
+      {}
+    )
+    return response.data
+  },
+
+  async failOrder(orderId: string): Promise<{ order: PaymentOrder }> {
+    const response = await apiClient.post<{ order: PaymentOrder }>(
+      `/api/admin/payments/orders/${orderId}/fail`,
+      {}
+    )
+    return response.data
+  },
+
+  async creditOrder(
+    orderId: string,
+    payload: AdminPaymentCreditRequest
+  ): Promise<{ order: PaymentOrder; credited: boolean }> {
+    const response = await apiClient.post<{ order: PaymentOrder; credited: boolean }>(
+      `/api/admin/payments/orders/${orderId}/credit`,
+      payload
+    )
+    return response.data
+  },
+
+  async listCallbacks(params?: {
+    payment_method?: string
+    limit?: number
+    offset?: number
+  }): Promise<AdminPaymentCallbacksResponse> {
+    const response = await apiClient.get<AdminPaymentCallbacksResponse>('/api/admin/payments/callbacks', { params })
+    return response.data
+  },
+}

frontend/src/api/admin-wallets.ts

@@ -0,0 +1,247 @@
+import apiClient from './client'
+import type { RefundRequest, WalletSummary, WalletTransaction } from './wallet'
+
+export interface AdminWallet extends WalletSummary {
+  user_id: string | null
+  api_key_id: string | null
+  owner_type: 'user' | 'api_key'
+  owner_name: string | null
+  created_at: string
+}
+
+export interface AdminWalletListResponse {
+  items: AdminWallet[]
+  total: number
+  limit: number
+  offset: number
+}
+
+export interface AdminWalletDetailResponse extends AdminWallet {
+  pending_refund_count: number
+}
+
+export interface AdminWalletTransactionsResponse {
+  wallet: AdminWallet
+  items: WalletTransaction[]
+  total: number
+  limit: number
+  offset: number
+}
+
+export interface AdminWalletRefundsResponse {
+  wallet: AdminWallet
+  items: RefundRequest[]
+  total: number
+  limit: number
+  offset: number
+}
+
+export interface AdminLedgerTransaction extends WalletTransaction {
+  wallet_id: string
+  owner_type: 'user' | 'api_key'
+  owner_name: string | null
+  wallet_status?: string | null
+}
+
+export interface AdminGlobalRefund extends RefundRequest {
+  wallet_id: string
+  owner_type: 'user' | 'api_key'
+  owner_name: string | null
+  wallet_status?: string | null
+}
+
+export interface AdminLedgerResponse {
+  items: AdminLedgerTransaction[]
+  total: number
+  limit: number
+  offset: number
+}
+
+export interface AdminGlobalRefundsListResponse {
+  items: AdminGlobalRefund[]
+  total: number
+  limit: number
+  offset: number
+}
+
+export interface ManualRechargeRequest {
+  amount_usd: number
+  payment_method?: string
+  description?: string
+}
+
+export interface WalletAdjustRequest {
+  amount_usd: number
+  balance_type?: 'recharge' | 'gift'
+  description?: string
+}
+
+export interface RefundFailRequest {
+  reason: string
+}
+
+export interface RefundCompleteRequest {
+  gateway_refund_id?: string
+  payout_reference?: string
+  payout_proof?: Record<string, unknown>
+}
+
+export const adminWalletApi = {
+  async listWallets(params?: {
+    status?: string
+    limit?: number
+    offset?: number
+  }): Promise<AdminWalletListResponse> {
+    const response = await apiClient.get<AdminWalletListResponse>('/api/admin/wallets', { params })
+    return response.data
+  },
+
+  async listAllWallets(params?: {
+    status?: string
+  }): Promise<AdminWallet[]> {
+    const items: AdminWallet[] = []
+    const limit = 200
+    const maxPages = 200
+    let offset = 0
+    let page = 0
+
+    while (page < maxPages) {
+      const response = await apiClient.get<AdminWalletListResponse>('/api/admin/wallets', {
+        params: {
+          ...params,
+          limit,
+          offset,
+        },
+      })
+      const data = response.data
+      items.push(...data.items)
+
+      if (items.length >= data.total || data.items.length < limit) {
+        break
+      }
+
+      const nextOffset = offset + data.items.length
+      if (nextOffset <= offset) {
+        throw new Error('分页游标未前进，终止全量钱包拉取以避免死循环')
+      }
+      offset = nextOffset
+      page += 1
+    }
+
+    if (page >= maxPages) {
+      throw new Error(`钱包列表分页超过最大页数 ${maxPages}，已中止请求`)
+    }
+
+    return items
+  },
+
+  async getWalletDetail(walletId: string): Promise<AdminWalletDetailResponse> {
+    const response = await apiClient.get<AdminWalletDetailResponse>(`/api/admin/wallets/${walletId}`)
+    return response.data
+  },
+
+  async listLedger(params?: {
+    category?: string
+    reason_code?: string
+    owner_type?: string
+    limit?: number
+    offset?: number
+  }): Promise<AdminLedgerResponse> {
+    const response = await apiClient.get<AdminLedgerResponse>('/api/admin/wallets/ledger', { params })
+    return response.data
+  },
+
+  async listGlobalRefunds(params?: {
+    status?: string
+    owner_type?: string
+    limit?: number
+    offset?: number
+  }): Promise<AdminGlobalRefundsListResponse> {
+    const response = await apiClient.get<AdminGlobalRefundsListResponse>('/api/admin/wallets/refund-requests', {
+      params,
+    })
+    return response.data
+  },
+
+  async getWalletTransactions(
+    walletId: string,
+    params?: { limit?: number; offset?: number }
+  ): Promise<AdminWalletTransactionsResponse> {
+    const response = await apiClient.get<AdminWalletTransactionsResponse>(
+      `/api/admin/wallets/${walletId}/transactions`,
+      { params }
+    )
+    return response.data
+  },
+
+  async getWalletRefunds(
+    walletId: string,
+    params?: { limit?: number; offset?: number }
+  ): Promise<AdminWalletRefundsResponse> {
+    const response = await apiClient.get<AdminWalletRefundsResponse>(
+      `/api/admin/wallets/${walletId}/refunds`,
+      { params }
+    )
+    return response.data
+  },
+
+  async rechargeWallet(walletId: string, payload: ManualRechargeRequest): Promise<{
+    wallet: AdminWallet
+    payment_order: {
+      id: string
+      order_no: string
+      amount_usd: number
+      payment_method: string
+      status: string
+      created_at: string
+      credited_at: string | null
+    }
+  }> {
+    const response = await apiClient.post(`/api/admin/wallets/${walletId}/recharge`, payload)
+    return response.data
+  },
+
+  async adjustWallet(walletId: string, payload: WalletAdjustRequest): Promise<{
+    wallet: AdminWallet
+    transaction: WalletTransaction
+  }> {
+    const response = await apiClient.post(`/api/admin/wallets/${walletId}/adjust`, payload)
+    return response.data
+  },
+
+  async processRefund(walletId: string, refundId: string): Promise<{
+    wallet: AdminWallet
+    refund: RefundRequest
+    transaction: WalletTransaction
+  }> {
+    const response = await apiClient.post(
+      `/api/admin/wallets/${walletId}/refunds/${refundId}/process`,
+      {}
+    )
+    return response.data
+  },
+
+  async failRefund(walletId: string, refundId: string, payload: RefundFailRequest): Promise<{
+    wallet: AdminWallet
+    refund: RefundRequest
+    transaction: WalletTransaction | null
+  }> {
+    const response = await apiClient.post(
+      `/api/admin/wallets/${walletId}/refunds/${refundId}/fail`,
+      payload
+    )
+    return response.data
+  },
+
+  async completeRefund(
+    walletId: string,
+    refundId: string,
+    payload: RefundCompleteRequest
+  ): Promise<{ refund: RefundRequest }> {
+    const response = await apiClient.post(
+      `/api/admin/wallets/${walletId}/refunds/${refundId}/complete`,
+      payload
+    )
+    return response.data
+  },
+}

frontend/src/api/admin.ts

@@ -1,5 +1,6 @@
 import apiClient from './client'
 import { cachedRequest, buildCacheKey } from '@/utils/cache'
+import type { BillingSummary } from './auth'
 
 // LDAP 配置导出结构
 export interface LDAPConfigExport {
@@ -69,9 +70,8 @@ export interface UserExport {
   allowed_api_formats?: string[] | null
   allowed_models?: string[] | null
   model_capability_settings?: Record<string, Record<string, boolean>>
-  quota_usd?: number | null
-  used_usd?: number
-  total_usd?: number
+  unlimited?: boolean
+  wallet?: BillingSummary | null
   is_active: boolean
   api_keys: UserApiKeyExport[]
 }
@@ -82,8 +82,6 @@ export interface UserApiKeyExport {
   key_encrypted?: string | null
   name?: string | null
   is_standalone: boolean
-  balance_used_usd?: number
-  current_balance_usd?: number | null
   allowed_providers?: string[] | null
   allowed_api_formats?: string[] | null
   allowed_models?: string[] | null
@@ -329,10 +327,7 @@ export interface AdminApiKey {
   name?: string
   key_display?: string  // 脱敏后的密钥显示
   is_active: boolean
-  is_locked: boolean  // 管理员锁定标志
   is_standalone: boolean  // 是否为独立余额Key
-  balance_used_usd?: number  // 已使用余额（仅独立Key）
-  current_balance_usd?: number | null  // 当前余额（独立Key预付费模式，null表示无限制）
   total_requests?: number
   total_tokens?: number
   total_cost_usd?: number
@@ -354,7 +349,8 @@ export interface CreateStandaloneApiKeyRequest {
   allowed_models?: string[] | null
   rate_limit?: number | null  // null = 无限制
   expires_at?: string | null  // ISO 日期字符串，如 "2025-12-31"，null = 永不过期
-  initial_balance_usd: number  // 初始余额，必须设置
+  initial_balance_usd: number | null  // 初始余额，null = 无限制
+  unlimited_balance?: boolean | null  // 编辑时仅切换额度模式，不调整余额数值
   auto_delete_on_expiry?: boolean  // 过期后是否自动删除
 }
 
@@ -502,7 +498,10 @@ export const adminApi = {
   },
 
   // 更新独立余额Key
-  async updateApiKey(keyId: string, data: Partial<CreateStandaloneApiKeyRequest>): Promise<AdminApiKey & { message: string }> {
+  async updateApiKey(
+    keyId: string,
+    data: Partial<CreateStandaloneApiKeyRequest>
+  ): Promise<AdminApiKey & { message: string }> {
     const response = await apiClient.put<AdminApiKey & { message: string }>(
       `/api/admin/api-keys/${keyId}`,
       data
@@ -526,27 +525,10 @@ export const adminApi = {
     return response.data
   },
 
-  // 切换API密钥锁定状态（锁定/解锁）
-  async toggleLockApiKey(keyId: string): Promise<ApiKeyLockResponse> {
+  // 切换用户普通 API Key 锁定状态（锁定/解锁）
+  async toggleUserApiKeyLock(userId: string, keyId: string): Promise<ApiKeyLockResponse> {
     const response = await apiClient.patch<ApiKeyLockResponse>(
-      `/api/admin/api-keys/${keyId}/lock`
-    )
-    return response.data
-  },
-
-  // 为独立余额Key调整余额
-  async addApiKeyBalance(keyId: string, amountUsd: number): Promise<AdminApiKey & { message: string }> {
-    const response = await apiClient.patch<AdminApiKey & { message: string }>(
-      `/api/admin/api-keys/${keyId}/balance`,
-      { amount_usd: amountUsd }
-    )
-    return response.data
-  },
-
-  // 重置独立余额Key的已使用额度
-  async resetApiKeyUsage(keyId: string): Promise<AdminApiKey & { message: string }> {
-    const response = await apiClient.patch<AdminApiKey & { message: string }>(
-      `/api/admin/api-keys/${keyId}/reset-usage`
+      `/api/admin/users/${userId}/api-keys/${keyId}/lock`
     )
     return response.data
   },

frontend/src/api/auth.ts

@@ -89,15 +89,30 @@ export interface AuthSettingsResponse {
   ldap_exclusive: boolean
 }
 
+export interface BillingSummary {
+  id?: string | null
+  balance: number
+  recharge_balance: number
+  gift_balance: number
+  refundable_balance: number
+  currency: string
+  status: string
+  limit_mode: 'finite' | 'unlimited'
+  unlimited: boolean
+  total_recharged: number
+  total_consumed: number
+  total_refunded: number
+  total_adjusted: number
+  updated_at?: string | null
+}
+
 export interface User {
   id: string // UUID
   username: string
   email?: string
   role: string  // 'admin' or 'user'
   is_active: boolean
-  quota_usd?: number | null
-  used_usd?: number
-  total_usd?: number
+  billing?: BillingSummary
   allowed_providers?: string[] | null  // 允许使用的提供商 ID 列表
   allowed_api_formats?: string[] | null  // 允许使用的 API 格式列表
   allowed_models?: string[] | null  // 允许使用的模型名称列表

frontend/src/api/me.ts

@@ -2,6 +2,7 @@ import apiClient from './client'
 import type { ActivityHeatmap } from '@/types/activity'
 import type { TieredPricingConfig } from './endpoints/types'
 import { cachedRequest, buildCacheKey } from '@/utils/cache'
+import type { BillingSummary } from './auth'
 
 export interface Profile {
   id: string // UUID
@@ -9,9 +10,7 @@ export interface Profile {
   username: string
   role: string
   is_active: boolean
-  quota_usd: number | null
-  used_usd: number
-  total_usd?: number  // 累积消费总额
+  billing: BillingSummary
   created_at: string
   updated_at?: string
   last_login_at?: string
@@ -103,8 +102,7 @@ export interface UsageResponse {
   total_cost: number  // 官方费率
   total_actual_cost?: number  // 倍率消耗（仅管理员可见）
   avg_response_time: number
-  quota_usd: number | null
-  used_usd: number
+  billing: BillingSummary
   summary_by_model: ModelSummary[]
   summary_by_provider?: ProviderSummary[]
   pagination?: {

frontend/src/api/users.ts

@@ -6,14 +6,13 @@ export interface User {
   email: string
   role: 'admin' | 'user'
   is_active: boolean
-  quota_usd: number | null
-  used_usd: number
-  total_usd: number
+  unlimited: boolean
   allowed_providers: string[] | null  // 允许使用的提供商 ID 列表
   allowed_api_formats: string[] | null  // 允许使用的 API 格式列表
   allowed_models: string[] | null  // 允许使用的模型名称列表
   created_at: string
   updated_at?: string
+  last_login_at?: string | null
 }
 
 export interface CreateUserRequest {
@@ -21,7 +20,7 @@ export interface CreateUserRequest {
   password: string
   email: string
   role?: 'admin' | 'user'
-  quota_usd?: number | null
+  initial_gift_usd?: number | null
   unlimited?: boolean
   allowed_providers?: string[] | null
   allowed_api_formats?: string[] | null
@@ -32,7 +31,7 @@ export interface UpdateUserRequest {
   email?: string
   is_active?: boolean
   role?: 'admin' | 'user'
-  quota_usd?: number | null
+  unlimited?: boolean
   password?: string
   allowed_providers?: string[] | null
   allowed_api_formats?: string[] | null
@@ -50,8 +49,6 @@ export interface ApiKey {
   is_active: boolean
   is_locked: boolean  // 管理员锁定标志
   is_standalone: boolean  // 是否为独立余额Key
-  balance_used_usd?: number  // 已使用余额（仅独立Key）
-  current_balance_usd?: number | null  // 当前余额（独立Key预付费模式，null表示无限制）
   rate_limit?: number  // 速率限制（请求/分钟）
   total_requests?: number  // 总请求数
   total_cost_usd?: number  // 总费用
@@ -96,10 +93,12 @@ export const usersApi = {
     await apiClient.delete(`/api/admin/users/${userId}/api-keys/${keyId}`)
   },
 
-  async resetUserQuota(userId: string): Promise<void> {
-    await apiClient.patch(`/api/admin/users/${userId}/quota`)
+  async getFullApiKey(userId: string, keyId: string): Promise<{ key: string }> {
+    const response = await apiClient.get<{ key: string }>(
+      `/api/admin/users/${userId}/api-keys/${keyId}/full-key`
+    )
+    return response.data
   },
-
   // 管理员统计
   async getUsageStats(): Promise<Record<string, unknown>> {
     const response = await apiClient.get('/api/admin/usage/stats')

frontend/src/api/wallet.ts

@@ -0,0 +1,176 @@
+import apiClient from './client'
+
+export interface WalletSummary {
+  id: string
+  // balance = 总可用余额（充值余额 + 赠款余额）
+  balance: number
+  recharge_balance: number
+  gift_balance: number
+  refundable_balance: number
+  currency: string
+  status: string
+  limit_mode?: 'finite' | 'unlimited'
+  unlimited?: boolean
+  total_recharged: number
+  total_consumed: number
+  total_refunded: number
+  total_adjusted: number
+  updated_at: string
+}
+
+export interface WalletBalanceResponse {
+  wallet: WalletSummary | null
+  unlimited: boolean
+  limit_mode: 'finite' | 'unlimited'
+  // balance = 总可用余额（充值余额 + 赠款余额）
+  balance: number | null
+  recharge_balance?: number | null
+  gift_balance?: number | null
+  refundable_balance?: number | null
+  currency: string
+  pending_refund_count?: number
+}
+
+export interface WalletTransaction {
+  id: string
+  category: string
+  reason_code: string
+  amount: number
+  // 总可用余额（充值+赠款）快照
+  balance_before: number
+  balance_after: number
+  // 分账户快照
+  recharge_balance_before: number
+  recharge_balance_after: number
+  gift_balance_before: number
+  gift_balance_after: number
+  link_type?: string | null
+  link_id?: string | null
+  operator_id?: string | null
+  operator_name?: string | null
+  operator_email?: string | null
+  description?: string | null
+  created_at: string
+}
+
+export interface WalletTransactionsResponse extends WalletBalanceResponse {
+  items: WalletTransaction[]
+  total: number
+  limit: number
+  offset: number
+}
+
+export interface PaymentOrder {
+  id: string
+  order_no: string
+  wallet_id: string
+  user_id: string | null
+  amount_usd: number
+  pay_amount: number | null
+  pay_currency: string | null
+  exchange_rate: number | null
+  refunded_amount_usd: number
+  refundable_amount_usd: number
+  payment_method: string
+  gateway_order_id: string | null
+  gateway_response: Record<string, unknown> | null
+  status: string
+  created_at: string
+  paid_at: string | null
+  credited_at: string | null
+  expires_at: string | null
+}
+
+export interface RefundRequest {
+  id: string
+  refund_no: string
+  payment_order_id: string | null
+  source_type: string
+  source_id: string | null
+  refund_mode: string
+  amount_usd: number
+  status: string
+  reason: string | null
+  failure_reason: string | null
+  gateway_refund_id: string | null
+  payout_method: string | null
+  payout_reference: string | null
+  payout_proof: Record<string, unknown> | null
+  created_at: string
+  updated_at: string
+  processed_at: string | null
+  completed_at: string | null
+}
+
+export interface WalletRechargeCreateRequest {
+  amount_usd: number
+  payment_method: string
+  pay_amount?: number
+  pay_currency?: string
+  exchange_rate?: number
+}
+
+export interface WalletRefundCreateRequest {
+  amount_usd: number
+  payment_order_id?: string
+  source_type?: string
+  source_id?: string
+  refund_mode?: string
+  reason?: string
+  idempotency_key?: string
+}
+
+export const walletApi = {
+  async getBalance(): Promise<WalletBalanceResponse> {
+    const response = await apiClient.get<WalletBalanceResponse>('/api/wallet/balance')
+    return response.data
+  },
+
+  async getTransactions(params?: { limit?: number; offset?: number }): Promise<WalletTransactionsResponse> {
+    const response = await apiClient.get<WalletTransactionsResponse>('/api/wallet/transactions', { params })
+    return response.data
+  },
+
+  async createRechargeOrder(payload: WalletRechargeCreateRequest): Promise<{
+    order: PaymentOrder
+    payment_instructions: Record<string, unknown>
+  }> {
+    const response = await apiClient.post('/api/wallet/recharge', payload)
+    return response.data
+  },
+
+  async listRechargeOrders(params?: { limit?: number; offset?: number }): Promise<{
+    items: PaymentOrder[]
+    total: number
+    limit: number
+    offset: number
+  }> {
+    const response = await apiClient.get('/api/wallet/recharge', { params })
+    return response.data
+  },
+
+  async getRechargeOrder(orderId: string): Promise<{ order: PaymentOrder }> {
+    const response = await apiClient.get(`/api/wallet/recharge/${orderId}`)
+    return response.data
+  },
+
+  async listRefunds(params?: { limit?: number; offset?: number }): Promise<{
+    items: RefundRequest[]
+    total: number
+    limit: number
+    offset: number
+  }> {
+    const response = await apiClient.get('/api/wallet/refunds', { params })
+    return response.data
+  },
+
+  async getRefund(refundId: string): Promise<RefundRequest> {
+    const response = await apiClient.get<RefundRequest>(`/api/wallet/refunds/${refundId}`)
+    return response.data
+  },
+
+  async createRefund(payload: WalletRefundCreateRequest): Promise<RefundRequest> {
+    const response = await apiClient.post<RefundRequest>('/api/wallet/refunds', payload)
+    return response.data
+  },
+}

frontend/src/components/common/AlertDialog.vue

@@ -1,7 +1,7 @@
 <template>
   <Dialog
     :model-value="modelValue"
-    :z-index="80"
+    :z-index="120"
     @update:model-value="handleClose"
   >
     <template #header>
@@ -28,9 +28,8 @@
           v-for="(line, index) in descriptionLines"
           :key="index"
           :class="getLineClass(index)"
-        >
-          {{ line }}
-        </p>
+          v-html="renderLine(line)"
+        />
       </div>
 
       <!-- 自定义内容插槽 -->
@@ -103,6 +102,24 @@ const descriptionLines = computed(() => {
   return props.description.split('\n').filter(line => line.trim())
 })
 
+function escapeHtml(raw: string): string {
+  return raw
+    .replaceAll('&', '&amp;')
+    .replaceAll('<', '&lt;')
+    .replaceAll('>', '&gt;')
+    .replaceAll('"', '&quot;')
+    .replaceAll("'", '&#39;')
+}
+
+function renderLine(line: string): string {
+  const escaped = escapeHtml(line)
+  // 支持最小语法加粗：**text**
+  return escaped.replace(
+    /\*\*(.+?)\*\*/g,
+    '<strong class="font-semibold text-foreground">$1</strong>'
+  )
+}
+
 // 根据行索引获取样式（中间行高亮）
 function getLineClass(index: number): string {
   const total = descriptionLines.value.length

frontend/src/features/api-keys/components/StandaloneKeyFormDialog.vue

@@ -22,7 +22,7 @@
               {{ isEditMode ? '编辑独立余额 API Key' : '创建独立余额 API Key' }}
             </h3>
             <p class="text-xs text-muted-foreground">
-              {{ isEditMode ? '修改密钥名称、有效期和访问限制' : '用于非注册用户调用接口，不关联用户配额，必须设置余额限制' }}
+              {{ isEditMode ? '修改密钥名称、有效期和访问限制' : '用于非注册用户调用接口，可设置初始余额或无限制额度' }}
             </p>
           </div>
         </div>
@@ -34,7 +34,6 @@
         <!-- 左侧：基础设置 -->
         <div class="pr-6 space-y-4">
           <div class="flex items-center gap-2 pb-2 border-b border-border/60">
-            <Key class="h-4 w-4 text-muted-foreground" />
             <span class="text-sm font-medium">基础设置</span>
           </div>
 
@@ -52,31 +51,6 @@
             />
           </div>
 
-          <!-- 初始余额 - 仅创建模式显示 -->
-          <div
-            v-if="!isEditMode"
-            class="space-y-2"
-          >
-            <Label
-              for="form-balance"
-              class="text-sm font-medium"
-            >初始余额 (USD) <span class="text-rose-500">*</span></Label>
-            <Input
-              id="form-balance"
-              :model-value="form.initial_balance_usd ?? ''"
-              type="number"
-              step="0.01"
-              min="0.01"
-              required
-              placeholder="10.00"
-              class="h-10"
-              @update:model-value="(v) => form.initial_balance_usd = parseNumberInput(v, { allowFloat: true }) ?? 10"
-            />
-            <p class="text-xs text-muted-foreground">
-              独立Key必须设置余额限制，最小值 $0.01
-            </p>
-          </div>
-
           <div class="space-y-2">
             <Label
               for="form-expires-at"
@@ -137,12 +111,49 @@
               @update:model-value="(v) => form.rate_limit = parseNumberInput(v, { min: 1, max: 10000 })"
             />
           </div>
+
+          <div class="space-y-2">
+            <Label class="text-sm font-medium">无限制额度</Label>
+            <div class="flex items-center gap-3">
+              <Switch v-model="form.unlimited_balance" />
+              <div class="flex flex-col">
+                <span class="text-sm text-foreground">
+                  {{ form.unlimited_balance ? '已启用' : '已关闭' }}
+                </span>
+                <span class="text-xs text-muted-foreground">
+                  {{ form.unlimited_balance ? '无限制：忽略钱包余额校验' : '有限制：按钱包余额校验' }}
+                </span>
+              </div>
+            </div>
+          </div>
+
+          <div
+            v-if="!isEditMode && !form.unlimited_balance"
+            class="space-y-2"
+          >
+            <Label
+              for="form-balance"
+              class="text-sm font-medium"
+            >初始余额 (USD) <span class="text-rose-500">*</span></Label>
+            <Input
+              id="form-balance"
+              :model-value="form.initial_balance_usd ?? ''"
+              type="number"
+              step="0.01"
+              min="0.01"
+              placeholder="10.00"
+              class="h-10"
+              @update:model-value="(v) => form.initial_balance_usd = parseNumberInput(v, { allowFloat: true, min: 0.01 })"
+            />
+            <p class="text-xs text-muted-foreground">
+              最小值 $0.01
+            </p>
+          </div>
         </div>
 
         <!-- 右侧：访问限制 -->
         <div class="pl-6 space-y-4 border-l border-border">
           <div class="flex items-center gap-2 pb-2 border-b border-border/60">
-            <Shield class="h-4 w-4 text-muted-foreground" />
             <span class="text-sm font-medium">访问限制</span>
             <span class="text-xs text-muted-foreground">(留空不限)</span>
           </div>
@@ -279,8 +290,9 @@ import {
   Button,
   Input,
   Label,
+  Switch,
 } from '@/components/ui'
-import { Plus, SquarePen, Key, Shield, ChevronDown, X } from 'lucide-vue-next'
+import { Plus, SquarePen, ChevronDown, X } from 'lucide-vue-next'
 import { useFormDialog } from '@/composables/useFormDialog'
 import { ModelMultiSelect } from '@/components/common'
 import { getProvidersSummary } from '@/api/endpoints/providers'
@@ -294,6 +306,7 @@ export interface StandaloneKeyFormData {
   id?: string
   name: string
   initial_balance_usd?: number
+  unlimited_balance?: boolean
   expires_at?: string  // ISO 日期字符串，如 "2025-12-31"，undefined = 永不过期
   rate_limit?: number
   auto_delete_on_expiry: boolean
@@ -328,6 +341,7 @@ const allApiFormats = ref<string[]>([])
 const form = ref<StandaloneKeyFormData>({
   name: '',
   initial_balance_usd: 10,
+  unlimited_balance: false,
   expires_at: undefined,
   rate_limit: undefined,
   auto_delete_on_expiry: false,
@@ -347,6 +361,7 @@ function resetForm() {
   form.value = {
     name: '',
     initial_balance_usd: 10,
+    unlimited_balance: false,
     expires_at: undefined,
     rate_limit: undefined,
     auto_delete_on_expiry: false,
@@ -364,6 +379,7 @@ function loadKeyData() {
     id: props.apiKey.id,
     name: props.apiKey.name || '',
     initial_balance_usd: props.apiKey.initial_balance_usd,
+    unlimited_balance: props.apiKey.initial_balance_usd == null,
     expires_at: props.apiKey.expires_at,
     rate_limit: props.apiKey.rate_limit,
     auto_delete_on_expiry: props.apiKey.auto_delete_on_expiry,
@@ -432,6 +448,17 @@ watch(isOpen, (val) => {
   }
 })
 
+watch(
+  () => form.value.unlimited_balance,
+  (unlimited) => {
+    if (unlimited) {
+      form.value.initial_balance_usd = undefined
+    } else if (form.value.initial_balance_usd == null) {
+      form.value.initial_balance_usd = 10
+    }
+  }
+)
+
 defineExpose({
   setSaving
 })

frontend/src/features/users/components/UserFormDialog.vue

@@ -142,51 +142,16 @@
             />
           </div>
 
-          <div class="space-y-2">
-            <Label
-              for="form-quota"
-              class="text-sm font-medium"
-            >配额(美元)</Label>
-            <div class="flex items-center space-x-3">
-              <Input
-                id="form-quota"
-                v-model.number="form.quota"
-                type="number"
-                step="0.01"
-                min="0"
-                max="10000"
-                :placeholder="isEditMode ? '10' : '使用系统默认'"
-                :disabled="form.unlimited"
-                :class="form.unlimited ? 'flex-1 h-10 opacity-50' : 'flex-1 h-10'"
-              />
-              <div class="flex items-center justify-center gap-2 border rounded-lg px-3 py-2 bg-muted/50 w-24">
-                <input
-                  id="form-unlimited"
-                  v-model="form.unlimited"
-                  type="checkbox"
-                  class="h-4 w-4 rounded border-gray-300 cursor-pointer"
-                >
-                <Label
-                  for="form-unlimited"
-                  class="whitespace-nowrap cursor-pointer text-sm"
-                >无限制</Label>
-              </div>
-            </div>
-          </div>
-
           <div class="space-y-2">
             <Label
               for="form-role"
               class="text-sm font-medium"
             >用户角色</Label>
-            <div class="flex items-center gap-3">
-              <Select
-                v-model="form.role"
-                class="flex-1"
-              >
+            <div class="w-full">
+              <Select v-model="form.role">
                 <SelectTrigger
                   id="form-role"
-                  class="h-10"
+                  class="h-10 w-full text-sm"
                 >
                   <SelectValue />
                 </SelectTrigger>
@@ -199,20 +164,29 @@
                   </SelectItem>
                 </SelectContent>
               </Select>
-              <div
-                v-if="!isEditMode"
-                class="flex items-center justify-center gap-2 border rounded-lg px-3 py-2 bg-muted/50 w-24"
-              >
-                <input
-                  id="form-active"
-                  v-model="form.is_active"
-                  type="checkbox"
-                  class="h-4 w-4 rounded border-gray-300 cursor-pointer"
-                >
-                <Label
-                  for="form-active"
-                  class="whitespace-nowrap cursor-pointer text-sm"
-                >启用用户</Label>
+            </div>
+          </div>
+
+          <div
+            v-if="!isEditMode"
+            class="space-y-2"
+          >
+            <Label
+              for="form-active"
+              class="text-sm font-medium"
+            >启用用户</Label>
+            <div class="flex items-center gap-3">
+              <Switch
+                id="form-active"
+                v-model="form.is_active"
+              />
+              <div class="flex flex-col">
+                <span class="text-sm text-foreground">
+                  {{ form.is_active ? '已启用' : '已禁用' }}
+                </span>
+                <span class="text-xs text-muted-foreground">
+                  {{ form.is_active ? '允许登录与请求' : '阻止登录与请求' }}
+                </span>
               </div>
             </div>
           </div>
@@ -332,6 +306,44 @@
             v-model="form.allowed_models"
             :models="globalModels"
           />
+
+          <div class="space-y-2">
+            <Label class="text-sm font-medium">无限制额度</Label>
+            <div class="flex items-center gap-3">
+              <Switch v-model="form.unlimited" />
+              <div class="flex flex-col">
+                <span class="text-sm text-foreground">
+                  {{ form.unlimited ? '已启用' : '已关闭' }}
+                </span>
+                <span class="text-xs text-muted-foreground">
+                  {{ form.unlimited ? '无限制：忽略钱包余额校验' : '有限制：按钱包余额校验' }}
+                </span>
+              </div>
+            </div>
+          </div>
+
+          <div
+            v-if="!isEditMode && !form.unlimited"
+            class="space-y-2"
+          >
+            <Label
+              for="form-initial-gift"
+              class="text-sm font-medium"
+            >初始赠款额度 (USD) <span class="text-muted-foreground">*</span></Label>
+            <Input
+              id="form-initial-gift"
+              :model-value="form.initial_gift_usd ?? ''"
+              type="number"
+              step="0.01"
+              min="0.01"
+              placeholder="10.00"
+              class="h-10"
+              @update:model-value="(v) => form.initial_gift_usd = parseNumberInput(v, { allowFloat: true, min: 0.01 })"
+            />
+            <p class="text-xs text-muted-foreground">
+              最小值 $0.01
+            </p>
+          </div>
         </div>
       </div>
     </form>
@@ -363,6 +375,7 @@ import {
   Button,
   Input,
   Label,
+  Switch,
   Select,
   SelectTrigger,
   SelectValue,
@@ -376,13 +389,15 @@ import { getProvidersSummary } from '@/api/endpoints/providers'
 import { getGlobalModels } from '@/api/global-models'
 import { adminApi } from '@/api/admin'
 import { log } from '@/utils/logger'
+import { parseNumberInput } from '@/utils/form'
 import type { ProviderWithEndpointsSummary, GlobalModelResponse } from '@/api/endpoints/types'
 
 export interface UserFormData {
   id?: string
   username: string
   email: string
-  quota_usd?: number | null
+  initial_gift_usd?: number | null
+  unlimited?: boolean
   role: 'admin' | 'user'
   is_active?: boolean
   allowed_providers?: string[] | null
@@ -397,7 +412,7 @@ const props = defineProps<{
 
 const emit = defineEmits<{
   close: []
-  submit: [data: UserFormData & { password?: string }]
+  submit: [data: UserFormData & { password?: string; unlimited?: boolean }]
 }>()
 
 const isOpen = computed(() => props.open)
@@ -420,7 +435,7 @@ const form = ref({
   password: '',
   confirmPassword: '',
   email: '',
-  quota: null as number | null,
+  initial_gift_usd: 10 as number | undefined,
   role: 'user' as 'admin' | 'user',
   unlimited: false,
   is_active: true,
@@ -441,7 +456,7 @@ function resetForm() {
     password: '',
     confirmPassword: '',
     email: '',
-    quota: null,
+    initial_gift_usd: 10,
     role: 'user',
     unlimited: false,
     is_active: true,
@@ -461,9 +476,9 @@ function loadUserData() {
     password: '',
     confirmPassword: '',
     email: props.user.email || '',
-    quota: props.user.quota_usd == null ? 10 : props.user.quota_usd,
+    initial_gift_usd: undefined,
     role: props.user.role,
-    unlimited: props.user.quota_usd == null,
+    unlimited: props.user.unlimited ?? false,
     is_active: props.user.is_active ?? true,
     allowed_providers: [...(props.user.allowed_providers || [])],
     allowed_api_formats: [...(props.user.allowed_api_formats || [])],
@@ -491,16 +506,33 @@ const usernameError = computed(() => {
   return ''
 })
 
+function getPasswordValidationError(password: string): string | null {
+  if (password.length < 8) return '密码长度至少为8个字符'
+  if (!/[A-Z]/.test(password)) return '密码必须包含至少一个大写字母'
+  if (!/[a-z]/.test(password)) return '密码必须包含至少一个小写字母'
+  if (!/[0-9]/.test(password)) return '密码必须包含至少一个数字'
+  return null
+}
+
 // 表单验证
 const isFormValid = computed(() => {
   const hasUsername = form.value.username.trim().length > 0
   const usernameValid = !usernameError.value
-  const hasPassword = isEditMode.value || form.value.password.length >= 6
-  // 编辑模式下如果填写了密码，必须确认密码一致
-  const passwordConfirmed = !isEditMode.value || form.value.password.length === 0 || form.value.password === form.value.confirmPassword
-  return hasUsername && usernameValid && hasPassword && passwordConfirmed
+  const passwordFilled = form.value.password.length > 0
+  const passwordValid = passwordFilled
+    ? !getPasswordValidationError(form.value.password)
+    : isEditMode.value
+  // 编辑模式下可留空；填写时必须确认一致。创建模式不展示确认输入框。
+  const passwordConfirmed = isEditMode.value
+    ? !passwordFilled || form.value.password === form.value.confirmPassword
+    : true
+  const initialGiftValid = isEditMode.value ||
+    form.value.unlimited ||
+    (typeof form.value.initial_gift_usd === 'number' && form.value.initial_gift_usd >= 0.01)
+  return hasUsername && usernameValid && passwordValid && passwordConfirmed && initialGiftValid
 })
 
+
 // 加载访问控制选项
 async function loadAccessControlOptions(): Promise<void> {
   try {
@@ -532,27 +564,25 @@ function toggleSelection(field: 'allowed_providers' | 'allowed_api_formats' | 'a
 async function handleSubmit() {
   saving.value = true
   try {
-    const data: UserFormData & { password?: string; unlimited?: boolean } = {
+    const data: UserFormData & { password?: string; unlimited: boolean } = {
       username: form.value.username,
       email: form.value.email.trim() || '',
-      quota_usd: form.value.unlimited ? null : form.value.quota,
+      unlimited: form.value.unlimited,
       role: form.value.role,
       allowed_providers: form.value.allowed_providers.length > 0 ? form.value.allowed_providers : null,
       allowed_api_formats: form.value.allowed_api_formats.length > 0 ? form.value.allowed_api_formats : null,
       allowed_models: form.value.allowed_models.length > 0 ? form.value.allowed_models : null
     }
 
-    // 创建模式下传递 unlimited 字段
-    if (!isEditMode.value) {
-      data.unlimited = form.value.unlimited
-    }
-
     if (isEditMode.value && props.user?.id) {
       data.id = props.user.id
     }
 
     if (!isEditMode.value) {
       data.is_active = form.value.is_active
+      if (!form.value.unlimited && form.value.initial_gift_usd != null) {
+        data.initial_gift_usd = form.value.initial_gift_usd
+      }
     }
 
     if (form.value.password) {
@@ -580,6 +610,20 @@ watch(isOpen, (val) => {
   }
 })
 
+watch(
+  () => form.value.unlimited,
+  (unlimited) => {
+    if (isEditMode.value) {
+      return
+    }
+    if (unlimited) {
+      form.value.initial_gift_usd = undefined
+    } else if (form.value.initial_gift_usd == null) {
+      form.value.initial_gift_usd = 10
+    }
+  }
+)
+
 defineExpose({
   setSaving
 })

frontend/src/layouts/MainLayout.vue

@@ -363,6 +363,7 @@ import {
   SunMoon,
   ChevronRight,
   Megaphone,
+  Wallet,
   Menu,
   X,
   Puzzle,
@@ -521,6 +522,7 @@ const navigation = computed(() => {
     {
       title: '账户',
       items: [
+         { name: '钱包中心', href: '/dashboard/wallet', icon: Wallet },
          { name: '使用统计', href: '/dashboard/usage', icon: BarChart3 },
          { name: '异步任务', href: '/dashboard/async-tasks', icon: Zap },
       ]
@@ -579,6 +581,7 @@ const navigation = computed(() => {
         { name: '模型管理', href: '/admin/models', icon: Layers },
         { name: '号池管理', href: '/admin/pool', icon: Database },
         { name: '独立密钥', href: '/admin/keys', icon: Key },
+        { name: '钱包管理', href: '/admin/wallets', icon: Wallet },
         { name: '异步任务', href: '/admin/async-tasks', icon: Zap },
         { name: '使用记录', href: '/admin/usage', icon: BarChart3 },
       ]

frontend/src/mocks/data.ts

@@ -12,15 +12,47 @@ import type { ProviderWithEndpointsSummary, GlobalModelResponse } from '@/api/en
 
 // ========== 用户数据 ==========
 
+const MOCK_ADMIN_BILLING = {
+  id: 'wallet-demo-admin',
+  balance: 0,
+  recharge_balance: 0,
+  gift_balance: 0,
+  refundable_balance: 0,
+  currency: 'USD',
+  status: 'active',
+  limit_mode: 'unlimited' as const,
+  unlimited: true,
+  total_recharged: 0,
+  total_consumed: 1234.56,
+  total_refunded: 0,
+  total_adjusted: 0,
+  updated_at: new Date().toISOString(),
+}
+
+const MOCK_USER_BILLING = {
+  id: 'wallet-demo-user',
+  balance: 54.68,
+  recharge_balance: 40,
+  gift_balance: 14.68,
+  refundable_balance: 40,
+  currency: 'USD',
+  status: 'active',
+  limit_mode: 'finite' as const,
+  unlimited: false,
+  total_recharged: 100,
+  total_consumed: 45.32,
+  total_refunded: 0,
+  total_adjusted: 0,
+  updated_at: new Date().toISOString(),
+}
+
 export const MOCK_ADMIN_USER: User = {
   id: 'demo-admin-uuid-0001',
   username: 'Demo Admin',
   email: 'admin@demo.aether.io',
   role: 'admin',
   is_active: true,
-  quota_usd: null,
-  used_usd: 156.78,
-  total_usd: 1234.56,
+  billing: MOCK_ADMIN_BILLING,
   allowed_providers: null,
   allowed_api_formats: null,
   allowed_models: null,
@@ -34,9 +66,7 @@ export const MOCK_NORMAL_USER: User = {
   email: 'user@demo.aether.io',
   role: 'user',
   is_active: true,
-  quota_usd: 100,
-  used_usd: 45.32,
-  total_usd: 245.32,
+  billing: MOCK_USER_BILLING,
   allowed_providers: null,
   allowed_api_formats: null,
   allowed_models: null,
@@ -74,9 +104,7 @@ export const MOCK_ADMIN_PROFILE: Profile = {
   username: MOCK_ADMIN_USER.username,
   role: 'admin',
   is_active: true,
-  quota_usd: null,
-  used_usd: 156.78,
-  total_usd: 1234.56,
+  billing: MOCK_ADMIN_BILLING,
   created_at: '2024-01-01T00:00:00Z',
   updated_at: new Date().toISOString(),
   last_login_at: new Date().toISOString(),
@@ -92,9 +120,7 @@ export const MOCK_USER_PROFILE: Profile = {
   username: MOCK_NORMAL_USER.username,
   role: 'user',
   is_active: true,
-  quota_usd: 100,
-  used_usd: 45.32,
-  total_usd: 245.32,
+  billing: MOCK_USER_BILLING,
   created_at: '2024-06-01T00:00:00Z',
   updated_at: new Date().toISOString(),
   last_login_at: new Date().toISOString(),
@@ -269,10 +295,8 @@ export const MOCK_ALL_USERS: AdminUser[] = [
     username: 'Demo Admin',
     email: 'admin@demo.aether.io',
     role: 'admin',
+    unlimited: true,
     is_active: true,
-    quota_usd: null,
-    used_usd: 156.78,
-    total_usd: 1234.56,
     allowed_providers: null,
     allowed_api_formats: null,
     allowed_models: null,
@@ -283,10 +307,8 @@ export const MOCK_ALL_USERS: AdminUser[] = [
     username: 'Demo User',
     email: 'user@demo.aether.io',
     role: 'user',
+    unlimited: false,
     is_active: true,
-    quota_usd: 100,
-    used_usd: 45.32,
-    total_usd: 245.32,
     allowed_providers: null,
     allowed_api_formats: null,
     allowed_models: null,
@@ -297,10 +319,8 @@ export const MOCK_ALL_USERS: AdminUser[] = [
     username: 'Alice Wang',
     email: 'alice@example.com',
     role: 'user',
+    unlimited: false,
     is_active: true,
-    quota_usd: 50,
-    used_usd: 23.45,
-    total_usd: 123.45,
     allowed_providers: null,
     allowed_api_formats: null,
     allowed_models: null,
@@ -311,10 +331,8 @@ export const MOCK_ALL_USERS: AdminUser[] = [
     username: 'Bob Zhang',
     email: 'bob@example.com',
     role: 'user',
+    unlimited: false,
     is_active: true,
-    quota_usd: 200,
-    used_usd: 89.12,
-    total_usd: 589.12,
     allowed_providers: null,
     allowed_api_formats: null,
     allowed_models: null,
@@ -325,10 +343,8 @@ export const MOCK_ALL_USERS: AdminUser[] = [
     username: 'Charlie Li',
     email: 'charlie@example.com',
     role: 'user',
+    unlimited: false,
     is_active: false,
-    quota_usd: 30,
-    used_usd: 30.00,
-    total_usd: 30.00,
     allowed_providers: null,
     allowed_api_formats: null,
     allowed_models: null,
@@ -387,8 +403,6 @@ export const MOCK_ADMIN_API_KEYS: AdminApiKeysResponse = {
       key_display: 'sk-sa...abc1',
       is_active: true,
       is_standalone: true,
-      balance_used_usd: 25.50,
-      current_balance_usd: 74.50,
       total_requests: 500,
       total_tokens: 1500000,
       total_cost_usd: 25.50,
@@ -404,8 +418,6 @@ export const MOCK_ADMIN_API_KEYS: AdminApiKeysResponse = {
       key_display: 'sk-sa...def2',
       is_active: true,
       is_standalone: true,
-      balance_used_usd: 45.00,
-      current_balance_usd: 55.00,
       total_requests: 800,
       total_tokens: 2400000,
       total_cost_usd: 45.00,
@@ -808,8 +820,7 @@ export const MOCK_USAGE_RESPONSE: UsageResponse = {
   total_cost: 45.67,
   total_actual_cost: 33.33,
   avg_response_time: 1.23,
-  quota_usd: 100,
-  used_usd: 45.32,
+  billing: MOCK_USER_BILLING,
   summary_by_model: [
     { model: 'claude-sonnet-4-5-20250929', requests: 456, input_tokens: 650000, output_tokens: 250000, total_tokens: 900000, total_cost_usd: 18.50, actual_total_cost_usd: 13.50 },
     { model: 'gpt-5.1', requests: 312, input_tokens: 480000, output_tokens: 180000, total_tokens: 660000, total_cost_usd: 12.30, actual_total_cost_usd: 9.20 },

frontend/src/mocks/handler.ts

@@ -588,8 +588,22 @@ const mockHandlers: Record<string, (config: AxiosRequestConfig) => Promise<Axios
       total_cost: Number((totalCost * 20).toFixed(2)),
       total_actual_cost: Number((totalActualCost * 20).toFixed(2)),
       avg_response_time: Number(avgResponseTime.toFixed(2)) || 1.23,
-      quota_usd: 100,
-      used_usd: Number((totalCost * 20).toFixed(2)),
+      billing: {
+        id: 'wallet-demo-user',
+        balance: Number((100 - totalCost * 20).toFixed(2)),
+        recharge_balance: Number((100 - totalCost * 20).toFixed(2)),
+        gift_balance: 0,
+        refundable_balance: Number((100 - totalCost * 20).toFixed(2)),
+        currency: 'USD',
+        status: 'active',
+        limit_mode: 'finite',
+        unlimited: false,
+        total_recharged: 100,
+        total_consumed: Number((totalCost * 20).toFixed(2)),
+        total_refunded: 0,
+        total_adjusted: 0,
+        updated_at: new Date().toISOString(),
+      },
       activity_heatmap: heatmap,
       summary_by_model: Array.from(modelStats.entries()).map(([model, stats]) => ({
         model,
@@ -726,10 +740,8 @@ const mockHandlers: Record<string, (config: AxiosRequestConfig) => Promise<Axios
       username: body.username,
       email: body.email,
       role: body.role || 'user',
+      unlimited: Boolean(body.unlimited),
       is_active: true,
-      quota_usd: body.quota_usd || null,
-      used_usd: 0,
-      total_usd: 0,
       allowed_providers: null,
       allowed_api_formats: null,
       allowed_models: null,
@@ -757,8 +769,6 @@ const mockHandlers: Record<string, (config: AxiosRequestConfig) => Promise<Axios
       key_display: 'sk-sa...demo',
       is_active: true,
       is_standalone: true,
-      balance_used_usd: 0,
-      current_balance_usd: body.initial_balance_usd || 100,
       total_requests: 0,
       created_at: new Date().toISOString()
     }

frontend/src/router/index.ts

@@ -122,6 +122,11 @@ const routes: RouteRecordRaw[] = [
         name: 'Settings',
         component: () => importWithRetry(() => import('@/views/user/Settings.vue'))
       },
+      {
+        path: 'wallet',
+        name: 'WalletCenter',
+        component: () => importWithRetry(() => import('@/views/user/WalletCenter.vue'))
+      },
       {
         path: 'models',
         name: 'ModelCatalog',
@@ -154,6 +159,11 @@ const routes: RouteRecordRaw[] = [
         name: 'ApiKeys',
         component: () => importWithRetry(() => import('@/views/admin/ApiKeys.vue'))
       },
+      {
+        path: 'wallets',
+        name: 'WalletsManagement',
+        component: () => importWithRetry(() => import('@/views/admin/WalletsManagement.vue'))
+      },
       {
         path: 'management-tokens',
         name: 'AdminManagementTokens',

frontend/src/stores/users.ts

@@ -102,19 +102,12 @@ export const useUsersStore = defineStore('users', () => {
     }
   }
 
-  async function resetUserQuota(userId: string) {
-    loading.value = true
-    error.value = null
-
+  async function getFullApiKey(userId: string, keyId: string): Promise<{ key: string }> {
     try {
-      await usersApi.resetUserQuota(userId)
-      // 刷新用户列表以获取最新数据
-      await fetchUsers()
+      return await usersApi.getFullApiKey(userId, keyId)
     } catch (err: unknown) {
-      error.value = parseApiError(err, '重置配额失败')
+      error.value = parseApiError(err, '获取完整 API Key 失败')
       throw err
-    } finally {
-      loading.value = false
     }
   }
 
@@ -129,6 +122,6 @@ export const useUsersStore = defineStore('users', () => {
     getUserApiKeys,
     createApiKey,
     deleteApiKey,
-    resetUserQuota
+    getFullApiKey
   }
 })

frontend/src/style.css

@@ -1192,6 +1192,50 @@ body[theme-mode='dark'] .literary-annotation {
     background-color: hsl(var(--muted-foreground) / 0.5);
   }
 
+  /* Tabs styled as existing outline buttons (used by wallet/payment pages) */
+  .tabs-button-list {
+    background-color: transparent !important;
+    border: 0 !important;
+    padding: 0 !important;
+    height: auto !important;
+    gap: 0.5rem;
+  }
+
+  .tabs-button-list .tabs-indicator {
+    display: none !important;
+  }
+
+  .tabs-button-list button[data-value] {
+    border: 1px solid color-mix(in srgb, var(--border) 60%, transparent) !important;
+    background-color: color-mix(in srgb, var(--card) 60%, transparent) !important;
+    color: var(--foreground) !important;
+    border-radius: 0.5rem !important;
+    backdrop-filter: blur(8px);
+    transition: all 0.2s ease !important;
+  }
+
+  .tabs-button-list button[data-state='active'] {
+    background-color: var(--primary) !important;
+    color: var(--primary-foreground) !important;
+    border-color: transparent !important;
+    box-shadow: var(--shadow-sm);
+    font-weight: 700;
+  }
+
+  .tabs-button-list button[data-state='active']:hover {
+    filter: brightness(0.95);
+  }
+
+  .tabs-button-list button[data-state='inactive'] {
+    color: var(--foreground) !important;
+  }
+
+  .tabs-button-list button[data-state='inactive']:hover {
+    border-color: rgb(var(--color-primary-rgb) / 0.6) !important;
+    color: var(--primary) !important;
+    background-color: rgb(var(--color-primary-rgb) / 0.1) !important;
+  }
+
   /* Password masking without type="password" to prevent browser autofill */
   .-webkit-text-security-disc {
     -webkit-text-security: disc;

frontend/src/utils/walletDisplay.ts

@@ -0,0 +1,153 @@
+export function walletStatusLabel(status: string | null | undefined): string {
+  const labels: Record<string, string> = {
+    active: '正常',
+    suspended: '已冻结',
+    closed: '已关闭',
+  }
+  if (!status) return '未知'
+  return labels[status] || status
+}
+
+export function formatWalletCurrency(
+  value: number | null | undefined,
+  options?: { decimals?: number }
+): string {
+  const decimals = options?.decimals ?? 2
+  const amount = Number(value ?? 0)
+  return `$${amount.toFixed(decimals)}`
+}
+
+export function walletStatusBadge(status: string | null | undefined): string {
+  if (status === 'active') return 'success'
+  if (status === 'suspended') return 'warning'
+  if (status === 'closed') return 'destructive'
+  return 'secondary'
+}
+
+export function walletTransactionCategoryLabel(category: string | null | undefined): string {
+  const labels: Record<string, string> = {
+    recharge: '充值',
+    gift: '赠款',
+    adjust: '调账',
+    refund: '退款',
+  }
+  if (!category) return '未知'
+  return labels[category] || category
+}
+
+export function walletTransactionReasonLabel(reasonCode: string | null | undefined): string {
+  const labels: Record<string, string> = {
+    topup_admin_manual: '人工充值',
+    topup_gateway: '支付充值',
+    topup_card_code: '卡密充值',
+    gift_initial: '初始赠款',
+    gift_campaign: '活动赠款',
+    gift_expire_reclaim: '赠款回收',
+    adjust_admin: '人工调账',
+    adjust_system: '系统调账',
+    refund_out: '退款扣减',
+    refund_revert: '退款回补',
+  }
+  if (!reasonCode) return '未知'
+  return labels[reasonCode] || reasonCode
+}
+
+export function paymentMethodLabel(method: string | null | undefined): string {
+  const labels: Record<string, string> = {
+    alipay: '支付宝',
+    wechat: '微信支付',
+    admin_manual: '人工充值',
+    card_code: '充值卡',
+    gift_code: '礼品卡',
+    card_recharge: '卡密充值',
+    bank_transfer: '银行转账',
+    offline: '线下转账',
+  }
+  if (!method) return '-'
+  return labels[method] || method
+}
+
+export function paymentStatusLabel(status: string | null | undefined): string {
+  const labels: Record<string, string> = {
+    pending: '待支付',
+    paid: '已支付',
+    credited: '已到账',
+    failed: '支付失败',
+    expired: '已过期',
+    refunding: '退款中',
+    refunded: '已退款',
+  }
+  if (!status) return '未知'
+  return labels[status] || status
+}
+
+export function walletLinkTypeLabel(type: string | null | undefined): string {
+  const labels: Record<string, string> = {
+    payment_order: '充值订单',
+    refund_request: '退款申请',
+    admin_action: '后台操作',
+    system_task: '系统任务',
+    campaign: '活动批次',
+    usage: '用量记录',
+  }
+  if (!type) return '-'
+  return labels[type] || '其他'
+}
+
+export function paymentStatusBadge(status: string | null | undefined): string {
+  if (status === 'credited' || status === 'refunded') return 'success'
+  if (status === 'paid' || status === 'refunding') return 'outline'
+  if (status === 'pending') return 'secondary'
+  if (status === 'expired') return 'warning'
+  if (status === 'failed') return 'destructive'
+  return 'secondary'
+}
+
+export function refundModeLabel(mode: string | null | undefined): string {
+  const labels: Record<string, string> = {
+    original_channel: '原路退回',
+    offline_payout: '线下打款',
+  }
+  if (!mode) return '-'
+  return labels[mode] || mode
+}
+
+export function refundStatusLabel(status: string | null | undefined): string {
+  const labels: Record<string, string> = {
+    pending_approval: '待审批',
+    approved: '已审批',
+    processing: '处理中',
+    succeeded: '已完成',
+    failed: '已失败',
+    cancelled: '已取消',
+  }
+  if (!status) return '未知'
+  return labels[status] || status
+}
+
+export function refundStatusBadge(status: string | null | undefined): string {
+  if (status === 'succeeded') return 'success'
+  if (status === 'processing') return 'outline'
+  if (status === 'pending_approval' || status === 'approved') return 'secondary'
+  if (status === 'failed' || status === 'cancelled') return 'destructive'
+  return 'secondary'
+}
+
+export function callbackStatusLabel(status: string | null | undefined): string {
+  const labels: Record<string, string> = {
+    processed: '已处理',
+    duplicate: '重复回调',
+    ignored: '已忽略',
+    invalid_signature: '验签失败',
+    error: '处理失败',
+  }
+  if (!status) return '未知'
+  return labels[status] || status
+}
+
+export function callbackStatusBadge(status: string | null | undefined): string {
+  if (status === 'processed') return 'success'
+  if (status === 'duplicate' || status === 'ignored') return 'secondary'
+  if (status === 'invalid_signature' || status === 'error') return 'destructive'
+  return 'outline'
+}

frontend/src/views/admin/ApiKeys.vue

@@ -89,7 +89,7 @@
               <!-- 刷新按钮 -->
               <RefreshButton
                 :loading="loading"
-                @click="loadApiKeys"
+                @click="refreshApiKeys"
               />
             </div>
           </div>
@@ -102,8 +102,8 @@
                 <TableHead class="w-[200px] h-12 font-semibold">
                   密钥信息
                 </TableHead>
-                <TableHead class="w-[160px] h-12 font-semibold">
-                  余额 (已用/总额)
+                <TableHead class="w-[240px] h-12 font-semibold">
+                  钱包
                 </TableHead>
                 <TableHead class="w-[130px] h-12 font-semibold">
                   使用统计
@@ -114,7 +114,7 @@
                 <TableHead class="w-[140px] h-12 font-semibold">
                   最近使用
                 </TableHead>
-                <TableHead class="w-[70px] h-12 font-semibold text-center">
+                <TableHead class="w-[180px] h-12 font-semibold">
                   状态
                 </TableHead>
                 <TableHead class="w-[130px] h-12 font-semibold text-center">
@@ -189,12 +189,28 @@
                   </div>
                 </TableCell>
                 <TableCell class="py-4">
-                  <div class="text-xs">
-                    <div class="flex items-center gap-1.5">
-                      <span class="font-mono font-medium">${{ (apiKey.balance_used_usd || 0).toFixed(2) }}</span>
-                      <span class="text-muted-foreground">/</span>
-                      <span :class="isBalanceLimited(apiKey) ? 'font-mono font-medium text-primary' : 'font-mono text-muted-foreground'">
-                        {{ isBalanceLimited(apiKey) ? `$${(apiKey.current_balance_usd || 0).toFixed(2)}` : '无限' }}
+                  <div class="space-y-1.5">
+                    <div class="flex items-center gap-1 text-[11px] text-muted-foreground">
+                      <span>余额：</span>
+                      <Badge
+                        v-if="isApiKeyUnlimited(apiKey)"
+                        variant="secondary"
+                        class="h-5 px-1.5 py-0 text-[10px] font-medium"
+                      >
+                        无限额度
+                      </Badge>
+                      <span
+                        v-else
+                        class="text-sm font-semibold tabular-nums"
+                        :class="isNegativeWalletAmount(getApiKeyWalletTotalBalance(apiKey)) ? 'text-rose-600' : 'text-foreground'"
+                      >
+                        {{ formatWalletAmount(getApiKeyWalletTotalBalance(apiKey), '-') }}
+                      </span>
+                    </div>
+                    <div class="flex items-center gap-2 text-[11px] text-muted-foreground flex-wrap">
+                      <span>
+                        已消费：
+                        <span class="font-medium tabular-nums text-foreground">${{ getApiKeyWalletConsumed(apiKey).toFixed(2) }}</span>
                       </span>
                     </div>
                   </div>
@@ -242,20 +258,20 @@
                     >暂无记录</span>
                   </div>
                 </TableCell>
-                <TableCell class="py-4 text-center">
-                  <div class="flex flex-col items-center gap-1">
+                <TableCell class="py-4">
+                  <div class="flex flex-col items-start gap-1.5">
                     <Badge
                       :variant="apiKey.is_active ? 'success' : 'destructive'"
-                      class="font-medium"
+                      class="h-5 px-1.5 py-0 text-[10px] font-medium"
                     >
                       {{ apiKey.is_active ? '活跃' : '禁用' }}
                     </Badge>
                     <Badge
-                      v-if="apiKey.is_locked"
-                      variant="secondary"
-                      class="text-xs"
+                      v-if="getApiKeyWallet(apiKey.id)"
+                      :variant="walletStatusBadge(getApiKeyWalletStatus(apiKey.id))"
+                      class="h-5 px-1.5 py-0 text-[10px] font-medium"
                     >
-                      已锁定
+                      {{ walletStatusLabel(getApiKeyWalletStatus(apiKey.id)) }}
                     </Badge>
                   </div>
                 </TableCell>
@@ -274,36 +290,11 @@
                       variant="ghost"
                       size="icon"
                       class="h-8 w-8"
-                      title="调整余额"
+                      title="资金操作"
                       @click="openAddBalanceDialog(apiKey)"
                     >
                       <DollarSign class="h-4 w-4" />
                     </Button>
-                    <Button
-                      variant="ghost"
-                      size="icon"
-                      class="h-8 w-8"
-                      title="重置额度"
-                      @click="resetKeyUsage(apiKey)"
-                    >
-                      <RotateCcw class="h-4 w-4" />
-                    </Button>
-                    <Button
-                      variant="ghost"
-                      size="icon"
-                      class="h-8 w-8"
-                      :title="apiKey.is_locked ? '解锁' : '锁定'"
-                      @click="toggleLockApiKey(apiKey)"
-                    >
-                      <Lock
-                        v-if="apiKey.is_locked"
-                        class="h-4 w-4"
-                      />
-                      <LockOpen
-                        v-else
-                        class="h-4 w-4"
-                      />
-                    </Button>
                     <Button
                       variant="ghost"
                       size="icon"
@@ -329,207 +320,207 @@
           </Table>
         </div>
 
-        <div class="xl:hidden divide-y divide-border/40">
+        <div class="xl:hidden bg-muted/[0.14] p-3 sm:p-4">
           <div
-            v-if="apiKeys.length === 0"
-            class="p-8 text-center"
+            v-if="filteredApiKeys.length === 0"
+            class="rounded-2xl border border-dashed border-border/60 bg-card/70 px-6 py-10 text-center"
           >
-            <Key class="h-12 w-12 mx-auto mb-3 text-muted-foreground/50" />
-            <p class="text-muted-foreground">
-              暂无独立余额 Key
+            <Key class="mx-auto mb-3 h-12 w-12 text-muted-foreground/50" />
+            <p class="text-sm font-medium text-foreground">
+              {{ hasActiveFilters ? '未找到匹配的 Key' : '暂无独立余额 Key' }}
+            </p>
+            <p
+              v-if="hasActiveFilters"
+              class="mt-1 text-xs text-muted-foreground"
+            >
+              尝试调整筛选条件
             </p>
           </div>
+
           <div
-            v-for="apiKey in apiKeys"
-            :key="apiKey.id"
-            class="p-4 sm:p-5 hover:bg-muted/30 transition-colors"
+            v-else
+            class="space-y-3.5"
           >
-            <div class="space-y-4">
-              <div class="flex items-start justify-between gap-3">
-                <div class="space-y-2">
-                  <div class="flex items-center gap-2">
-                    <code class="inline-flex rounded-lg bg-muted px-3 py-1.5 text-xs font-mono font-semibold">
-                      {{ apiKey.key_display || 'sk-****' }}
-                    </code>
-                    <Button
-                      variant="ghost"
-                      size="icon"
-                      class="h-7 w-7 hover:bg-muted flex-shrink-0"
-                      title="复制完整密钥"
-                      @click="copyKeyPrefix(apiKey)"
+            <div
+              v-for="apiKey in filteredApiKeys"
+              :key="apiKey.id"
+              class="rounded-2xl border border-border/60 bg-card/95 p-4 shadow-[0_10px_26px_-22px_hsl(var(--foreground))]"
+            >
+              <div class="space-y-4">
+                <div class="flex items-start gap-3">
+                  <div class="min-w-0 flex-1 space-y-2">
+                    <div class="flex items-center gap-2">
+                      <code class="inline-flex max-w-[190px] sm:max-w-[240px] truncate rounded-lg bg-muted px-3 py-1.5 text-[11px] font-mono font-semibold text-foreground/90">
+                        {{ apiKey.key_display || 'sk-****' }}
+                      </code>
+                      <Button
+                        variant="ghost"
+                        size="icon"
+                        class="h-7 w-7 flex-shrink-0 hover:bg-muted"
+                        title="复制完整密钥"
+                        @click="copyKeyPrefix(apiKey)"
+                      >
+                        <Copy class="h-3.5 w-3.5" />
+                      </Button>
+                    </div>
+                    <div
+                      class="truncate text-sm font-semibold text-foreground"
+                      :class="{ 'text-muted-foreground': !apiKey.name }"
+                      :title="apiKey.name || '未命名 Key'"
                     >
-                      <Copy class="h-3.5 w-3.5" />
-                    </Button>
-                  </div>
-                  <div
-                    class="text-sm font-semibold text-foreground"
-                    :class="{ 'text-muted-foreground': !apiKey.name }"
-                  >
-                    {{ apiKey.name || '未命名 Key' }}
+                      {{ apiKey.name || '未命名 Key' }}
+                    </div>
                   </div>
                 </div>
-                <div class="flex flex-col items-end gap-1">
+
+                <div class="flex flex-wrap items-center gap-1.5">
                   <Badge
                     :variant="apiKey.is_active ? 'success' : 'destructive'"
-                    class="text-xs flex-shrink-0"
+                    class="h-5 px-1.5 py-0 text-[10px] font-medium"
                   >
                     {{ apiKey.is_active ? '活跃' : '禁用' }}
                   </Badge>
                   <Badge
-                    v-if="apiKey.is_locked"
-                    variant="secondary"
-                    class="text-xs"
+                    v-if="getApiKeyWallet(apiKey.id)"
+                    :variant="walletStatusBadge(getApiKeyWalletStatus(apiKey.id))"
+                    class="h-5 px-1.5 py-0 text-[10px] font-medium"
                   >
-                    已锁定
+                    {{ walletStatusLabel(getApiKeyWalletStatus(apiKey.id)) }}
+                  </Badge>
+                  <Badge
+                    v-if="apiKey.auto_delete_on_expiry"
+                    variant="secondary"
+                    class="h-5 px-1.5 py-0 text-[10px] font-medium"
+                  >
+                    过期自动删除
                   </Badge>
                 </div>
-              </div>
 
-              <div class="flex flex-wrap gap-2 text-[11px] text-muted-foreground">
-                <span class="inline-flex items-center gap-1 rounded-full border border-border/60 px-2.5 py-0.5">
-                  {{ isBalanceLimited(apiKey) ? '限额 Key' : '无限额度' }}
-                </span>
-                <span
-                  v-if="apiKey.auto_delete_on_expiry"
-                  class="inline-flex items-center gap-1 rounded-full bg-muted px-2.5 py-0.5"
-                >
-                  过期自动删除
-                </span>
-              </div>
+                <div class="rounded-xl border border-border/60 bg-muted/40 p-3.5">
+                  <div class="flex items-start justify-between gap-3">
+                    <div class="space-y-1">
+                      <p class="text-[11px] text-muted-foreground">
+                        余额：
+                      </p>
+                      <Badge
+                        v-if="isApiKeyUnlimited(apiKey)"
+                        variant="secondary"
+                        class="h-5 px-1.5 py-0 text-[10px] font-medium"
+                      >
+                        无限额度
+                      </Badge>
+                      <p
+                        v-else
+                        class="text-base font-semibold tabular-nums leading-none"
+                        :class="isNegativeWalletAmount(getApiKeyWalletTotalBalance(apiKey)) ? 'text-rose-600' : 'text-foreground'"
+                      >
+                        {{ formatWalletAmount(getApiKeyWalletTotalBalance(apiKey), '-') }}
+                      </p>
+                    </div>
+                    <div class="text-right">
+                      <p class="text-[11px] text-muted-foreground">
+                        已消费：
+                      </p>
+                      <p class="text-sm font-medium tabular-nums text-foreground">
+                        ${{ getApiKeyWalletConsumed(apiKey).toFixed(2) }}
+                      </p>
+                    </div>
+                  </div>
+                </div>
 
-              <div class="space-y-2 p-3 bg-muted/50 rounded-lg text-xs">
-                <div class="flex items-center justify-between text-muted-foreground">
-                  <span>已用</span>
-                  <span class="font-semibold">${{ (apiKey.balance_used_usd || 0).toFixed(2) }}</span>
+                <div class="grid grid-cols-2 gap-2.5 text-xs">
+                  <div class="rounded-lg border border-border/50 bg-background/70 p-2.5">
+                    <div class="mb-1 text-muted-foreground">
+                      速率限制
+                    </div>
+                    <div class="font-semibold text-foreground">
+                      {{ apiKey.rate_limit ? `${apiKey.rate_limit}/min` : '未设置' }}
+                    </div>
+                  </div>
+                  <div class="rounded-lg border border-border/50 bg-background/70 p-2.5">
+                    <div class="mb-1 text-muted-foreground">
+                      请求次数
+                    </div>
+                    <div class="font-semibold text-foreground">
+                      {{ (apiKey.total_requests || 0).toLocaleString() }}
+                    </div>
+                  </div>
+                  <div class="col-span-2 rounded-lg border border-border/50 bg-background/70 p-2.5">
+                    <div class="mb-1 text-muted-foreground">
+                      有效期
+                    </div>
+                    <div class="font-semibold text-foreground">
+                      {{ apiKey.expires_at ? formatDate(apiKey.expires_at) : '永不过期' }}
+                    </div>
+                    <div
+                      v-if="apiKey.expires_at"
+                      class="text-[11px] text-muted-foreground"
+                    >
+                      {{ getRelativeTime(apiKey.expires_at) }}
+                    </div>
+                  </div>
                 </div>
-                <div class="flex items-center justify-between text-muted-foreground">
-                  <span>剩余</span>
-                  <span :class="getBalanceRemaining(apiKey) > 0 ? 'font-semibold text-emerald-600' : 'font-semibold text-rose-600'">
-                    {{ isBalanceLimited(apiKey) ? `$${getBalanceRemaining(apiKey).toFixed(2)}` : '无限制' }}
-                  </span>
-                </div>
-                <div class="flex items-center justify-between text-amber-600">
-                  <span>总费用</span>
-                  <span>${{ (apiKey.total_cost_usd || 0).toFixed(4) }}</span>
-                </div>
-                <div
-                  v-if="isBalanceLimited(apiKey)"
-                  class="h-1.5 rounded-full bg-background/40 overflow-hidden"
-                >
-                  <div
-                    class="h-full rounded-full bg-emerald-500"
-                    :style="{ width: `${getBalanceProgress(apiKey)}%` }"
-                  />
-                </div>
-              </div>
 
-              <div class="grid grid-cols-2 gap-2 text-xs">
-                <div class="p-2 bg-muted/40 rounded-lg">
-                  <div class="text-muted-foreground mb-1">
-                    速率限制
+                <div class="rounded-lg bg-muted/35 p-2.5 text-[11px] text-muted-foreground">
+                  <div class="flex items-center justify-between gap-2">
+                    <span>创建</span>
+                    <span class="font-medium text-foreground">{{ formatDate(apiKey.created_at) }}</span>
                   </div>
-                  <div class="font-semibold">
-                    {{ apiKey.rate_limit ? `${apiKey.rate_limit}/min` : '未设置' }}
-                  </div>
-                </div>
-                <div class="p-2 bg-muted/40 rounded-lg">
-                  <div class="text-muted-foreground mb-1">
-                    请求次数
-                  </div>
-                  <div class="font-semibold">
-                    {{ (apiKey.total_requests || 0).toLocaleString() }}
-                  </div>
-                </div>
-                <div class="p-2 bg-muted/40 rounded-lg col-span-2">
-                  <div class="text-muted-foreground mb-1">
-                    有效期
-                  </div>
-                  <div class="font-semibold">
-                    {{ apiKey.expires_at ? formatDate(apiKey.expires_at) : '永不过期' }}
+                  <div class="mt-1 flex items-center justify-between gap-2">
+                    <span>最近使用</span>
+                    <span
+                      v-if="apiKey.last_used_at"
+                      class="font-medium text-foreground"
+                    >{{ formatDate(apiKey.last_used_at) }}</span>
+                    <span v-else>暂无记录</span>
                   </div>
                   <div
                     v-if="apiKey.expires_at"
-                    class="text-[11px] text-muted-foreground"
+                    class="mt-1 flex items-center justify-between gap-2"
                   >
-                    {{ getRelativeTime(apiKey.expires_at) }}
+                    <span>过期后</span>
+                    <span>{{ apiKey.auto_delete_on_expiry ? '自动删除' : '仅禁用' }}</span>
                   </div>
                 </div>
-              </div>
 
-              <div class="text-xs text-muted-foreground space-y-1">
-                <p>创建: {{ formatDate(apiKey.created_at) }}</p>
-                <p>
-                  最近使用:
-                  <span
-                    v-if="apiKey.last_used_at"
-                    class="font-medium text-foreground"
-                  >{{ formatDate(apiKey.last_used_at) }}</span>
-                  <span v-else>暂无记录</span>
-                </p>
-                <p v-if="apiKey.expires_at">
-                  过期后: {{ apiKey.auto_delete_on_expiry ? '自动删除' : '仅禁用' }}
-                </p>
-              </div>
-
-              <div class="grid grid-cols-2 gap-2">
-                <Button
-                  variant="outline"
-                  size="sm"
-                  @click="editApiKey(apiKey)"
-                >
-                  <SquarePen class="h-3.5 w-3.5 mr-1.5" />
-                  编辑
-                </Button>
-                <Button
-                  variant="outline"
-                  size="sm"
-                  class="text-blue-600"
-                  @click="openAddBalanceDialog(apiKey)"
-                >
-                  <DollarSign class="h-3.5 w-3.5 mr-1.5" />
-                  调整
-                </Button>
-                <Button
-                  variant="outline"
-                  size="sm"
-                  class="text-amber-600"
-                  @click="resetKeyUsage(apiKey)"
-                >
-                  <RotateCcw class="h-3.5 w-3.5 mr-1.5" />
-                  重置
-                </Button>
-                <Button
-                  variant="outline"
-                  size="sm"
-                  @click="toggleLockApiKey(apiKey)"
-                >
-                  <Lock
-                    v-if="apiKey.is_locked"
-                    class="h-3.5 w-3.5 mr-1.5"
-                  />
-                  <LockOpen
-                    v-else
-                    class="h-3.5 w-3.5 mr-1.5"
-                  />
-                  {{ apiKey.is_locked ? '解锁' : '锁定' }}
-                </Button>
-                <Button
-                  variant="outline"
-                  size="sm"
-                  @click="toggleApiKey(apiKey)"
-                >
-                  <Power class="h-3.5 w-3.5 mr-1.5" />
-                  {{ apiKey.is_active ? '禁用' : '启用' }}
-                </Button>
-                <Button
-                  variant="outline"
-                  size="sm"
-                  class="text-rose-600 col-span-2"
-                  @click="deleteApiKey(apiKey)"
-                >
-                  <Trash2 class="h-3.5 w-3.5 mr-1.5" />
-                  删除
-                </Button>
+                <div class="grid grid-cols-2 gap-2 pt-0.5">
+                  <Button
+                    variant="outline"
+                    size="sm"
+                    class="h-8 text-xs"
+                    @click="editApiKey(apiKey)"
+                  >
+                    <SquarePen class="mr-1.5 h-3.5 w-3.5" />
+                    编辑
+                  </Button>
+                  <Button
+                    variant="outline"
+                    size="sm"
+                    class="h-8 text-xs"
+                    @click="openAddBalanceDialog(apiKey)"
+                  >
+                    <DollarSign class="mr-1.5 h-3.5 w-3.5" />
+                    资金
+                  </Button>
+                  <Button
+                    variant="outline"
+                    size="sm"
+                    class="h-8 text-xs"
+                    @click="toggleApiKey(apiKey)"
+                  >
+                    <Power class="mr-1.5 h-3.5 w-3.5" />
+                    {{ apiKey.is_active ? '禁用' : '启用' }}
+                  </Button>
+                  <Button
+                    variant="outline"
+                    size="sm"
+                    class="col-span-2 h-8 border-rose-200 text-xs text-rose-600 hover:bg-rose-50 dark:border-rose-900/60 dark:hover:bg-rose-950/40"
+                    @click="deleteApiKey(apiKey)"
+                  >
+                    <Trash2 class="mr-1.5 h-3.5 w-3.5" />
+                    删除
+                  </Button>
+                </div>
               </div>
             </div>
           </div>
@@ -611,96 +602,17 @@
       </template>
     </Dialog>
 
-    <!-- 余额调整对话框 -->
-    <Dialog
-      v-model="showAddBalanceDialog"
-      size="md"
-    >
-      <template #header>
-        <div class="border-b border-border px-6 py-4">
-          <div class="flex items-center gap-3">
-            <div class="flex h-9 w-9 items-center justify-center rounded-lg bg-blue-100 dark:bg-blue-900/30 flex-shrink-0">
-              <DollarSign class="h-5 w-5 text-blue-600 dark:text-blue-400" />
-            </div>
-            <div class="flex-1 min-w-0">
-              <h3 class="text-lg font-semibold text-foreground leading-tight">
-                余额调整
-              </h3>
-              <p class="text-xs text-muted-foreground">
-                增加或扣除 API Key 余额
-              </p>
-            </div>
-          </div>
-        </div>
-      </template>
-
-      <div class="space-y-4">
-        <div class="p-3 bg-muted/50 rounded-lg text-sm">
-          <div class="font-medium mb-2">
-            当前余额信息
-          </div>
-          <div class="space-y-1 text-xs text-muted-foreground">
-            <div>已用: <span class="font-semibold text-foreground">${{ (addBalanceKey.balance_used_usd || 0).toFixed(2) }}</span></div>
-            <div>当前余额: <span class="font-semibold text-foreground">${{ (addBalanceKey.current_balance_usd || 0).toFixed(2) }}</span></div>
-          </div>
-        </div>
-
-        <div class="space-y-2">
-          <Label
-            for="addBalanceAmount"
-            class="text-sm font-medium"
-          >调整金额 (USD)</Label>
-          <Input
-            id="addBalanceAmount"
-            :model-value="addBalanceAmount ?? ''"
-            type="number"
-            step="0.01"
-            placeholder="正数为增加，负数为扣除"
-            class="h-11"
-            @update:model-value="(v) => addBalanceAmount = parseNumberInput(v, { allowFloat: true })"
-          />
-          <p class="text-xs text-muted-foreground">
-            <span
-              v-if="addBalanceAmount && addBalanceAmount > 0"
-              class="text-emerald-600"
-            >
-              增加 ${{ addBalanceAmount.toFixed(2) }}，调整后余额: ${{ ((addBalanceKey.current_balance_usd || 0) + addBalanceAmount).toFixed(2) }}
-            </span>
-            <span
-              v-else-if="addBalanceAmount && addBalanceAmount < 0"
-              class="text-rose-600"
-            >
-              扣除 ${{ Math.abs(addBalanceAmount).toFixed(2) }}，调整后余额: ${{ Math.max(0, (addBalanceKey.current_balance_usd || 0) + addBalanceAmount).toFixed(2) }}
-            </span>
-            <span
-              v-else
-              class="text-muted-foreground"
-            >
-              输入正数增加余额，负数扣除余额
-            </span>
-          </p>
-        </div>
-      </div>
-
-      <template #footer>
-        <div class="flex gap-3 justify-end">
-          <Button
-            variant="outline"
-            class="h-10 px-5"
-            @click="showAddBalanceDialog = false"
-          >
-            取消
-          </Button>
-          <Button
-            :disabled="addingBalance || !addBalanceAmount || addBalanceAmount === 0"
-            class="h-10 px-5"
-            @click="handleAddBalance"
-          >
-            {{ addingBalance ? '调整中...' : '确认调整' }}
-          </Button>
-        </div>
-      </template>
-    </Dialog>
+    <WalletOpsDrawer
+      :open="showWalletActionDrawer"
+      :wallet="walletActionTarget?.wallet || null"
+      :owner-name="walletActionTarget?.apiKey.name || walletActionTarget?.apiKey.key_display || '未命名 Key'"
+      :owner-subtitle="walletActionTarget?.apiKey.key_display || walletActionTarget?.apiKey.username || ''"
+      context-label="独立密钥钱包"
+      accent="blue"
+      :show-refunds="false"
+      @close="closeWalletActionDrawer"
+      @changed="handleWalletDrawerChanged"
+    />
   </div>
 </template>
 
@@ -710,6 +622,9 @@ import { useToast } from '@/composables/useToast'
 import { useConfirm } from '@/composables/useConfirm'
 import { useClipboard } from '@/composables/useClipboard'
 import { adminApi, type AdminApiKey, type CreateStandaloneApiKeyRequest } from '@/api/admin'
+import { adminWalletApi, type AdminWallet } from '@/api/admin-wallets'
+import { walletStatusBadge, walletStatusLabel } from '@/utils/walletDisplay'
+import WalletOpsDrawer from '@/features/wallet/components/WalletOpsDrawer.vue'
 
 import {
   Dialog,
@@ -743,14 +658,10 @@ import {
   Copy,
   CheckCircle,
   SquarePen,
-  Search,
-  Lock,
-  LockOpen,
-  RotateCcw
+  Search
 } from 'lucide-vue-next'
 
 import { StandaloneKeyFormDialog, type StandaloneKeyFormData } from '@/features/api-keys'
-import { parseNumberInput } from '@/utils/form'
 import { parseApiError } from '@/utils/errorParser'
 import { log } from '@/utils/logger'
 
@@ -759,6 +670,7 @@ const { confirmDanger } = useConfirm()
 const { copyToClipboard } = useClipboard()
 
 const apiKeys = ref<AdminApiKey[]>([])
+const apiKeyWalletMap = ref<Record<string, AdminWallet>>({})
 const loading = ref(false)
 const total = ref(0)
 const currentPage = ref(1)
@@ -839,19 +751,11 @@ const filteredApiKeys = computed(() => {
   return result
 })
 
-// 充值相关状态
-const showAddBalanceDialog = ref(false)
-const addBalanceKey = ref({
-  id: '',
-  name: '',
-  balance_used_usd: 0,
-  current_balance_usd: 0
-})
-const addBalanceAmount = ref<number | undefined>(undefined)
-const addingBalance = ref(false)
+const showWalletActionDrawer = ref(false)
+const walletActionTarget = ref<{ apiKey: AdminApiKey; wallet: AdminWallet } | null>(null)
 
 onMounted(async () => {
-  await loadApiKeys()
+  await refreshApiKeys()
 })
 
 async function loadApiKeys() {
@@ -871,9 +775,29 @@ async function loadApiKeys() {
   }
 }
 
+async function loadApiKeyWallets() {
+  try {
+    const wallets = await adminWalletApi.listAllWallets()
+    apiKeyWalletMap.value = wallets
+      .filter((wallet) => wallet.owner_type === 'api_key' && !!wallet.api_key_id)
+      .reduce<Record<string, AdminWallet>>((acc, wallet) => {
+        acc[wallet.api_key_id as string] = wallet
+        return acc
+      }, {})
+  } catch (err: unknown) {
+    log.error('加载独立 Key 钱包失败:', err)
+  }
+}
+
+async function refreshApiKeys() {
+  // 先拉取 Key 列表，再拉钱包，避免并发请求导致新钱包映射短暂缺失。
+  await loadApiKeys()
+  await loadApiKeyWallets()
+}
+
 function handlePageChange(page: number) {
   currentPage.value = page
-  loadApiKeys()
+  refreshApiKeys()
 }
 
 async function toggleApiKey(apiKey: AdminApiKey) {
@@ -890,20 +814,6 @@ async function toggleApiKey(apiKey: AdminApiKey) {
   }
 }
 
-async function toggleLockApiKey(apiKey: AdminApiKey) {
-  try {
-    const response = await adminApi.toggleLockApiKey(apiKey.id)
-    const index = apiKeys.value.findIndex(k => k.id === apiKey.id)
-    if (index !== -1) {
-      apiKeys.value[index].is_locked = response.is_locked
-    }
-    success(response.message)
-  } catch (err: unknown) {
-    log.error('切换密钥锁定状态失败:', err)
-    error(parseApiError(err, '操作失败'))
-  }
-}
-
 async function deleteApiKey(apiKey: AdminApiKey) {
   const confirmed = await confirmDanger(
     `确定要删除这个独立余额 Key 吗？\n\n${apiKey.name || apiKey.key_display || 'sk-****'}\n\n此操作无法撤销。`,
@@ -916,6 +826,7 @@ async function deleteApiKey(apiKey: AdminApiKey) {
     const response = await adminApi.deleteApiKey(apiKey.id)
     apiKeys.value = apiKeys.value.filter(k => k.id !== apiKey.id)
     total.value = total.value - 1
+    delete apiKeyWalletMap.value[apiKey.id]
     success(response.message)
   } catch (err: unknown) {
     log.error('删除密钥失败:', err)
@@ -936,6 +847,8 @@ function editApiKey(apiKey: AdminApiKey) {
   editingKeyData.value = {
     id: apiKey.id,
     name: apiKey.name || '',
+    initial_balance_usd: isApiKeyUnlimited(apiKey) ? undefined : (getApiKeyWalletTotalBalance(apiKey) ?? undefined),
+    unlimited_balance: isApiKeyUnlimited(apiKey),
     expires_at: expiresAt,
     rate_limit: apiKey.rate_limit ?? undefined,
     auto_delete_on_expiry: apiKey.auto_delete_on_expiry || false,
@@ -947,63 +860,73 @@ function editApiKey(apiKey: AdminApiKey) {
   showKeyFormDialog.value = true
 }
 
+function getApiKeyWallet(apiKeyId: string): AdminWallet | null {
+  return apiKeyWalletMap.value[apiKeyId] || null
+}
+
+function isApiKeyUnlimited(apiKey: AdminApiKey): boolean {
+  const wallet = getApiKeyWallet(apiKey.id)
+  return wallet?.limit_mode === 'unlimited' || wallet?.unlimited === true
+}
+
+function getApiKeyWalletTotalBalance(apiKey: AdminApiKey): number | null {
+  if (isApiKeyUnlimited(apiKey)) {
+    return null
+  }
+  const wallet = getApiKeyWallet(apiKey.id)
+  return wallet ? wallet.balance : 0
+}
+
+function getApiKeyWalletConsumed(apiKey: AdminApiKey): number {
+  return getApiKeyWallet(apiKey.id)?.total_consumed ?? (apiKey.total_cost_usd || 0)
+}
+
+function getApiKeyWalletStatus(apiKeyId: string): string | null {
+  return getApiKeyWallet(apiKeyId)?.status ?? null
+}
+
+function formatWalletAmount(value: number | null, nullLabel = '无限制'): string {
+  if (value == null) {
+    return nullLabel
+  }
+  return `$${value.toFixed(2)}`
+}
+
+function isNegativeWalletAmount(value: number | null): boolean {
+  return typeof value === 'number' && value < 0
+}
+
 function openAddBalanceDialog(apiKey: AdminApiKey) {
-  addBalanceKey.value = {
-    id: apiKey.id,
-    name: apiKey.name || apiKey.key_display || 'sk-****',
-    balance_used_usd: apiKey.balance_used_usd || 0,
-    current_balance_usd: apiKey.current_balance_usd || 0
-  }
-
-  addBalanceAmount.value = undefined
-  showAddBalanceDialog.value = true
-}
-
-async function handleAddBalance() {
-  if (!addBalanceAmount.value || addBalanceAmount.value === 0) {
-    error('调整金额不能为 0')
+  const wallet = getApiKeyWallet(apiKey.id)
+  if (!wallet) {
+    error('该独立 Key 的钱包尚未初始化，暂时无法进行资金操作')
     return
   }
 
-  // 验证扣除金额不能超过当前余额
-  if (addBalanceAmount.value < 0 && Math.abs(addBalanceAmount.value) > (addBalanceKey.value.current_balance_usd || 0)) {
-    error('扣除金额不能超过当前余额')
+  walletActionTarget.value = {
+    apiKey,
+    wallet
+  }
+  showWalletActionDrawer.value = true
+}
+
+function closeWalletActionDrawer() {
+  showWalletActionDrawer.value = false
+}
+
+async function handleWalletDrawerChanged() {
+  await refreshApiKeys()
+  if (!walletActionTarget.value) {
     return
   }
 
-  addingBalance.value = true
-  try {
-    const response = await adminApi.addApiKeyBalance(addBalanceKey.value.id, addBalanceAmount.value)
-
-    // 重新加载列表
-    await loadApiKeys()
-
-    showAddBalanceDialog.value = false
-    const action = addBalanceAmount.value > 0 ? '增加' : '扣除'
-    const amount = Math.abs(addBalanceAmount.value).toFixed(2)
-    success(response.message || `余额${action}成功，${action} $${amount}`)
-  } catch (err: unknown) {
-    log.error('余额调整失败:', err)
-    error(parseApiError(err, '调整失败'))
-  } finally {
-    addingBalance.value = false
+  const latestKey = apiKeys.value.find((item) => item.id === walletActionTarget.value?.apiKey.id)
+  const latestWallet = getApiKeyWallet(walletActionTarget.value.apiKey.id)
+  if (latestKey) {
+    walletActionTarget.value.apiKey = latestKey
   }
-}
-
-async function resetKeyUsage(apiKey: AdminApiKey) {
-  const confirmed = await confirmDanger(
-    `确定要重置此 Key 的已使用额度吗？\n\n${apiKey.name || apiKey.key_display || 'sk-****'}\n\n已使用额度将归零，当前余额不变。`,
-    '重置使用额度'
-  )
-  if (!confirmed) return
-
-  try {
-    const response = await adminApi.resetApiKeyUsage(apiKey.id)
-    await loadApiKeys()
-    success(response.message)
-  } catch (err: unknown) {
-    log.error('重置使用额度失败:', err)
-    error(parseApiError(err, '重置失败'))
+  if (latestWallet) {
+    walletActionTarget.value.wallet = latestWallet
   }
 }
 
@@ -1032,27 +955,7 @@ function closeNewKeyDialog() {
 }
 
 function isBalanceLimited(apiKey: AdminApiKey): boolean {
-  return apiKey.current_balance_usd !== null && apiKey.current_balance_usd !== undefined
-}
-
-function getBalanceProgress(apiKey: AdminApiKey): number {
-  if (!isBalanceLimited(apiKey)) {
-    return 0
-  }
-
-  // 总额 = 当前余额 + 已使用
-  const used = apiKey.balance_used_usd || 0
-  const remaining = apiKey.current_balance_usd || 0
-  const total = used + remaining
-
-  if (total <= 0) {
-    return 0
-  }
-
-  // 进度条显示剩余比例（绿色部分）
-  const ratio = (remaining / total) * 100
-  const normalized = Number.isFinite(ratio) ? ratio : 0
-  return Math.max(0, Math.min(100, normalized))
+  return !isApiKeyUnlimited(apiKey)
 }
 
 function isExpiringSoon(apiKey: AdminApiKey): boolean {
@@ -1066,15 +969,6 @@ function isExpiringSoon(apiKey: AdminApiKey): boolean {
   return diffDays > 0 && diffDays <= EXPIRY_SOON_DAYS
 }
 
-function getBalanceRemaining(apiKey: AdminApiKey): number {
-  // 计算剩余余额 = 当前余额 - 已使用余额
-  if (apiKey.current_balance_usd === null || apiKey.current_balance_usd === undefined) {
-    return 0
-  }
-  const remaining = apiKey.current_balance_usd - (apiKey.balance_used_usd || 0)
-  return Math.max(0, remaining)  // 不能为负数
-}
-
 function formatDate(dateString: string): string {
   return new Date(dateString).toLocaleString('zh-CN', {
     year: 'numeric',
@@ -1133,6 +1027,7 @@ async function handleKeyFormSubmit(data: StandaloneKeyFormData) {
       // 更新
       const updateData: Partial<CreateStandaloneApiKeyRequest> = {
         name: data.name || undefined,
+        unlimited_balance: Boolean(data.unlimited_balance),
         rate_limit: data.rate_limit ?? null,  // undefined = 无限制，显式传 null
         expires_at: data.expires_at || null,  // undefined/空 = 永不过期
         auto_delete_on_expiry: data.auto_delete_on_expiry,
@@ -1141,22 +1036,27 @@ async function handleKeyFormSubmit(data: StandaloneKeyFormData) {
         allowed_api_formats: data.allowed_api_formats,
         allowed_models: data.allowed_models
       }
-      const { message: _, ...updated } = await adminApi.updateApiKey(data.id, updateData)
-      // 局部更新：直接替换列表中对应的记录
+      const { message: _, wallet: __, ...updated } = await adminApi.updateApiKey(data.id, updateData)
+      // 局部更新：合并字段，避免覆盖丢失列表已有信息
       const index = apiKeys.value.findIndex(k => k.id === data.id)
       if (index !== -1) {
-        apiKeys.value[index] = updated
+        apiKeys.value[index] = {
+          ...apiKeys.value[index],
+          ...updated,
+        }
       }
+      await loadApiKeyWallets()
       success('API Key 更新成功')
     } else {
       // 创建
-      if (!data.initial_balance_usd || data.initial_balance_usd <= 0) {
+      const isUnlimited = Boolean(data.unlimited_balance)
+      if (!isUnlimited && (!data.initial_balance_usd || data.initial_balance_usd <= 0)) {
         error('初始余额必须大于 0')
         return
       }
       const createData: CreateStandaloneApiKeyRequest = {
         name: data.name || undefined,
-        initial_balance_usd: data.initial_balance_usd,
+        initial_balance_usd: isUnlimited ? null : (data.initial_balance_usd as number),
         rate_limit: data.rate_limit ?? null,  // undefined = 无限制，显式传 null
         expires_at: data.expires_at || null,  // undefined/空 = 永不过期
         auto_delete_on_expiry: data.auto_delete_on_expiry,
@@ -1169,7 +1069,7 @@ async function handleKeyFormSubmit(data: StandaloneKeyFormData) {
       newKeyValue.value = response.key
       showNewKeyDialog.value = true
       success('独立 Key 创建成功')
-      await loadApiKeys()
+      await refreshApiKeys()
     }
     closeKeyFormDialog()
   } catch (err: unknown) {

frontend/src/views/admin/SystemSettings.vue

@@ -56,7 +56,7 @@
           <!-- 基础配置 -->
           <BasicConfigSection
             id="section-basic"
-            :default-user-quota-usd="systemConfig.default_user_quota_usd"
+            :default-user-initial-gift-usd="systemConfig.default_user_initial_gift_usd"
             :rate-limit-per-minute="systemConfig.rate_limit_per_minute"
             :enable-registration="systemConfig.enable_registration"
             :auto-delete-expired-keys="systemConfig.auto_delete_expired_keys"
@@ -64,7 +64,7 @@
             :loading="basicConfigLoading"
             :has-changes="hasBasicConfigChanges"
             @save="saveBasicConfig"
-            @update:default-user-quota-usd="systemConfig.default_user_quota_usd = $event"
+            @update:default-user-initial-gift-usd="systemConfig.default_user_initial_gift_usd = $event"
             @update:rate-limit-per-minute="systemConfig.rate_limit_per_minute = $event"
             @update:enable-registration="systemConfig.enable_registration = $event"
             @update:auto-delete-expired-keys="systemConfig.auto_delete_expired_keys = $event"
@@ -113,15 +113,6 @@
           <ScheduledTasksSection
             id="section-scheduled"
             :scheduled-tasks="scheduledTasks"
-            :quota-reset-interval-days="systemConfig.user_quota_reset_interval_days"
-            :standalone-key-reset-interval-days="systemConfig.standalone_key_quota_reset_interval_days"
-            :standalone-key-reset-mode="systemConfig.standalone_key_quota_reset_mode"
-            :standalone-key-reset-key-ids="systemConfig.standalone_key_quota_reset_key_ids"
-            :standalone-keys="standaloneKeys"
-            @update:quota-reset-interval-days="systemConfig.user_quota_reset_interval_days = $event"
-            @update:standalone-key-reset-interval-days="systemConfig.standalone_key_quota_reset_interval_days = $event"
-            @update:standalone-key-reset-mode="handleStandaloneKeyResetModeChange"
-            @toggle-standalone-key-reset-key-id="handleToggleStandaloneKeyResetKeyId"
           />
 
           <!-- 系统版本信息 -->
@@ -201,7 +192,6 @@
 import { ref, onMounted, onBeforeUnmount, nextTick } from 'vue'
 import { PageHeader, PageContainer } from '@/components/layout'
 import { useProxyNodesStore } from '@/stores/proxy-nodes'
-import { adminApi } from '@/api/admin'
 
 // Composables
 import { useSystemConfig } from './system-settings/composables/useSystemConfig'
@@ -344,50 +334,13 @@ const {
 const {
   scheduledTasks,
   initPreviousValues,
-  saveStandaloneKeyResetMode,
-  saveStandaloneKeyResetKeyIds,
 } = useScheduledTasks(systemConfig)
 
-// 独立密钥列表（用于定时任务配置中的密钥选择）
-const standaloneKeys = ref<Array<{ id: string; name?: string; key_display?: string; current_balance_usd?: number | null }>>([])
-
-async function loadStandaloneKeys() {
-  try {
-    const result = await adminApi.getAllApiKeys({ limit: 2000 })
-    standaloneKeys.value = result.api_keys.map((k) => ({
-      id: k.id,
-      name: k.name,
-      key_display: k.key_display,
-      current_balance_usd: k.current_balance_usd,
-    }))
-  } catch {
-    // 加载失败不影响其他功能
-  }
-}
-
-function handleStandaloneKeyResetModeChange(mode: string) {
-  systemConfig.value.standalone_key_quota_reset_mode = mode
-  saveStandaloneKeyResetMode(mode)
-}
-
-function handleToggleStandaloneKeyResetKeyId(keyId: string) {
-  const ids = [...systemConfig.value.standalone_key_quota_reset_key_ids]
-  const idx = ids.indexOf(keyId)
-  if (idx >= 0) {
-    ids.splice(idx, 1)
-  } else {
-    ids.push(keyId)
-  }
-  systemConfig.value.standalone_key_quota_reset_key_ids = ids
-  saveStandaloneKeyResetKeyIds(ids)
-}
-
 onMounted(async () => {
   await Promise.all([
     loadSystemConfig(),
     loadSystemVersion(),
     proxyNodesStore.ensureLoaded(),
-    loadStandaloneKeys(),
   ])
   // 配置加载完成后初始化定时任务的原始值
   initPreviousValues()

frontend/src/views/admin/Users.vue

@@ -173,22 +173,19 @@
         <Table>
           <TableHeader>
             <TableRow class="border-b border-border/60 hover:bg-transparent">
-              <TableHead class="w-[200px] h-12 font-semibold">
+              <TableHead class="w-[260px] h-12 font-semibold">
                 用户信息
               </TableHead>
-              <TableHead class="w-[180px] h-12 font-semibold">
-                邮箱
+              <TableHead class="w-[240px] h-12 font-semibold">
+                钱包
               </TableHead>
-              <TableHead class="w-[180px] h-12 font-semibold">
+              <TableHead class="w-[170px] h-12 font-semibold">
                 使用统计
               </TableHead>
-              <TableHead class="w-[180px] h-12 font-semibold">
-                配额(美元)
-              </TableHead>
               <TableHead class="w-[110px] h-12 font-semibold">
                 创建时间
               </TableHead>
-              <TableHead class="w-[90px] h-12 font-semibold text-center">
+              <TableHead class="w-[180px] h-12 font-semibold">
                 状态
               </TableHead>
               <TableHead class="w-[220px] h-12 font-semibold text-center">
@@ -210,28 +207,55 @@
                     </AvatarFallback>
                   </Avatar>
                   <div class="flex-1 min-w-0">
-                    <div
-                      class="truncate text-sm font-semibold mb-1"
-                      :title="user.username"
-                    >
-                      {{ user.username }}
+                    <div class="mb-1 flex items-center gap-1.5">
+                      <div
+                        class="truncate text-sm font-semibold"
+                        :title="user.username"
+                      >
+                        {{ user.username }}
+                      </div>
+                      <Badge
+                        :variant="user.role === 'admin' ? 'default' : 'secondary'"
+                        class="h-5 px-1.5 py-0 text-[10px] font-medium flex-shrink-0"
+                      >
+                        {{ user.role === 'admin' ? '管理员' : '普通用户' }}
+                      </Badge>
                     </div>
-                    <Badge
-                      :variant="user.role === 'admin' ? 'default' : 'secondary'"
-                      class="text-xs px-2 py-0.5"
+                    <div
+                      class="truncate text-xs text-muted-foreground"
+                      :title="user.email || '-'"
                     >
-                      {{ user.role === 'admin' ? '管理员' : '普通用户' }}
-                    </Badge>
+                      {{ user.email || '-' }}
+                    </div>
                   </div>
                 </div>
               </TableCell>
               <TableCell class="py-4">
-                <span
-                  class="block truncate text-sm text-muted-foreground"
-                  :title="user.email || '-'"
-                >
-                  {{ user.email || '-' }}
-                </span>
+                <div class="space-y-1.5">
+                  <div class="flex items-center gap-1 text-[11px] text-muted-foreground">
+                    <span>余额：</span>
+                    <Badge
+                      v-if="isUserUnlimited(user)"
+                      variant="secondary"
+                      class="h-5 px-1.5 py-0 text-[10px] font-medium"
+                    >
+                      无限额度
+                    </Badge>
+                    <span
+                      v-else
+                      class="text-sm font-semibold tabular-nums"
+                      :class="isNegativeWalletValue(getUserWalletTotalBalance(user)) ? 'text-rose-600' : 'text-foreground'"
+                    >
+                      {{ formatCurrencyValue(getUserWalletTotalBalance(user), '-') }}
+                    </span>
+                  </div>
+                  <div class="flex items-center gap-2 text-[11px] text-muted-foreground flex-wrap">
+                    <span>
+                      已消费：
+                      <span class="font-medium tabular-nums text-foreground">${{ getUserWalletConsumed(user).toFixed(2) }}</span>
+                    </span>
+                  </div>
+                </div>
               </TableCell>
               <TableCell class="py-4">
                 <div
@@ -255,35 +279,25 @@
                   <span v-else>无数据</span>
                 </div>
               </TableCell>
-              <TableCell class="py-4">
-                <div class="space-y-1.5 text-xs">
-                  <div
-                    v-if="user.quota_usd != null"
-                    class="text-muted-foreground"
-                  >
-                    当前: <span class="font-semibold text-foreground">${{ (user.used_usd || 0).toFixed(2) }}</span> / <span class="font-medium">${{ user.quota_usd.toFixed(2) }}</span>
-                  </div>
-                  <div
-                    v-else
-                    class="text-muted-foreground"
-                  >
-                    当前: <span class="font-semibold text-foreground">${{ (user.used_usd || 0).toFixed(2) }}</span> / <span class="font-medium text-amber-600">无限制</span>
-                  </div>
-                  <div class="text-muted-foreground">
-                    累计: <span class="font-medium text-foreground">${{ (user.total_usd || 0).toFixed(2) }}</span>
-                  </div>
-                </div>
-              </TableCell>
               <TableCell class="py-4 text-xs text-muted-foreground">
                 {{ formatDate(user.created_at) }}
               </TableCell>
-              <TableCell class="py-4 text-center">
-                <Badge
-                  :variant="user.is_active ? 'success' : 'destructive'"
-                  class="font-medium px-3 py-1"
-                >
-                  {{ user.is_active ? '活跃' : '禁用' }}
-                </Badge>
+              <TableCell class="py-4">
+                <div class="flex flex-col items-start gap-1.5">
+                  <Badge
+                    :variant="user.is_active ? 'success' : 'destructive'"
+                    class="h-5 px-1.5 py-0 text-[10px] font-medium"
+                  >
+                    {{ user.is_active ? '活跃' : '禁用' }}
+                  </Badge>
+                  <Badge
+                    v-if="getUserWallet(user.id)"
+                    :variant="walletStatusBadge(getUserWalletStatus(user.id))"
+                    class="h-5 px-1.5 py-0 text-[10px] font-medium"
+                  >
+                    {{ walletStatusLabel(getUserWalletStatus(user.id)) }}
+                  </Badge>
+                </div>
               </TableCell>
               <TableCell class="py-4">
                 <div class="flex justify-center gap-1">
@@ -300,7 +314,16 @@
                     variant="ghost"
                     size="icon"
                     class="h-8 w-8"
-                    title="查看API Keys"
+                    title="资金操作"
+                    @click="openWalletActionDialog(user)"
+                  >
+                    <DollarSign class="h-4 w-4" />
+                  </Button>
+                  <Button
+                    variant="ghost"
+                    size="icon"
+                    class="h-8 w-8"
+                    title="API Keys"
                     @click="manageApiKeys(user)"
                   >
                     <Key class="h-4 w-4" />
@@ -321,15 +344,6 @@
                       class="h-4 w-4"
                     />
                   </Button>
-                  <Button
-                    variant="ghost"
-                    size="icon"
-                    class="h-8 w-8"
-                    title="重置配额"
-                    @click="resetQuota(user)"
-                  >
-                    <RotateCcw class="h-4 w-4" />
-                  </Button>
                   <Button
                     variant="ghost"
                     size="icon"
@@ -347,145 +361,197 @@
       </div>
 
       <!-- 移动端卡片列表 -->
-      <div class="xl:hidden divide-y divide-border/40">
+      <div class="xl:hidden bg-muted/[0.14] p-3 sm:p-4">
         <div
-          v-for="user in paginatedUsers"
-          :key="user.id"
-          class="p-4 sm:p-5 hover:bg-muted/30 transition-colors"
+          v-if="paginatedUsers.length === 0"
+          class="rounded-2xl border border-dashed border-border/60 bg-card/70 px-6 py-10 text-center"
         >
-          <!-- 用户头部 -->
-          <div class="flex items-start justify-between mb-3 sm:mb-4">
-            <div class="flex items-center gap-2 sm:gap-3">
-              <Avatar class="h-10 w-10 sm:h-12 sm:w-12 ring-2 ring-background shadow-md flex-shrink-0">
-                <AvatarFallback class="bg-primary text-sm sm:text-base font-bold text-white">
-                  {{ user.username.charAt(0).toUpperCase() }}
-                </AvatarFallback>
-              </Avatar>
-              <div class="min-w-0">
-                <div class="font-semibold text-sm sm:text-base mb-1 truncate">
-                  {{ user.username }}
+          <Avatar class="mx-auto mb-3 h-12 w-12">
+            <AvatarFallback class="bg-muted text-base font-semibold text-muted-foreground">
+              U
+            </AvatarFallback>
+          </Avatar>
+          <p class="text-sm font-medium text-foreground">
+            {{ searchQuery || filterRole !== 'all' || filterStatus !== 'all' ? '未找到匹配的用户' : '暂无用户' }}
+          </p>
+          <p
+            v-if="searchQuery || filterRole !== 'all' || filterStatus !== 'all'"
+            class="mt-1 text-xs text-muted-foreground"
+          >
+            尝试调整筛选条件
+          </p>
+        </div>
+
+        <div
+          v-else
+          class="space-y-3.5"
+        >
+          <div
+            v-for="user in paginatedUsers"
+            :key="user.id"
+            class="rounded-2xl border border-border/60 bg-card/95 p-4 shadow-[0_10px_26px_-22px_hsl(var(--foreground))]"
+          >
+            <div class="space-y-4">
+              <div class="flex items-start gap-3">
+                <Avatar class="h-10 w-10 ring-2 ring-background shadow-md flex-shrink-0">
+                  <AvatarFallback class="bg-primary text-sm font-bold text-white">
+                    {{ user.username.charAt(0).toUpperCase() }}
+                  </AvatarFallback>
+                </Avatar>
+                <div class="min-w-0 flex-1 space-y-1.5">
+                  <div class="flex items-center gap-1.5">
+                    <div
+                      class="truncate text-sm font-semibold text-foreground"
+                      :title="user.username"
+                    >
+                      {{ user.username }}
+                    </div>
+                    <Badge
+                      :variant="user.role === 'admin' ? 'default' : 'secondary'"
+                      class="h-5 px-1.5 py-0 text-[10px] font-medium flex-shrink-0"
+                    >
+                      {{ user.role === 'admin' ? '管理员' : '普通用户' }}
+                    </Badge>
+                  </div>
+                  <div
+                    class="truncate text-[11px] text-muted-foreground"
+                    :title="user.email || '-'"
+                  >
+                    {{ user.email || '-' }}
+                  </div>
                 </div>
+              </div>
+
+              <div class="flex flex-wrap items-center gap-1.5">
                 <Badge
-                  :variant="user.role === 'admin' ? 'default' : 'secondary'"
-                  class="text-xs"
+                  :variant="user.is_active ? 'success' : 'destructive'"
+                  class="h-5 px-1.5 py-0 text-[10px] font-medium"
                 >
-                  {{ user.role === 'admin' ? '管理员' : '普通用户' }}
+                  {{ user.is_active ? '活跃' : '禁用' }}
+                </Badge>
+                <Badge
+                  v-if="getUserWallet(user.id)"
+                  :variant="walletStatusBadge(getUserWalletStatus(user.id))"
+                  class="h-5 px-1.5 py-0 text-[10px] font-medium"
+                >
+                  {{ walletStatusLabel(getUserWalletStatus(user.id)) }}
                 </Badge>
               </div>
-            </div>
-            <Badge
-              :variant="user.is_active ? 'success' : 'destructive'"
-              class="font-medium text-xs flex-shrink-0"
-            >
-              {{ user.is_active ? '活跃' : '禁用' }}
-            </Badge>
-          </div>
 
-          <!-- 用户信息 -->
-          <div class="space-y-2 sm:space-y-3 mb-3 sm:mb-4">
-            <div class="text-xs sm:text-sm">
-              <span class="text-muted-foreground">邮箱:</span>
-              <span class="ml-2 text-foreground truncate block sm:inline">{{ user.email || '-' }}</span>
-            </div>
-
-            <div
-              v-if="userStats[user.id]"
-              class="grid grid-cols-2 gap-2 p-2 sm:p-3 bg-muted/50 rounded-lg text-xs"
-            >
-              <div>
-                <div class="text-muted-foreground mb-1">
-                  请求次数
-                </div>
-                <div class="font-semibold text-sm text-foreground">
-                  {{ formatNumber(userStats[user.id]?.request_count) }}
+              <div class="rounded-xl border border-border/60 bg-muted/40 p-3.5">
+                <div class="flex items-start justify-between gap-3">
+                  <div class="space-y-1">
+                    <p class="text-[11px] text-muted-foreground">
+                      余额：
+                    </p>
+                    <Badge
+                      v-if="isUserUnlimited(user)"
+                      variant="secondary"
+                      class="h-5 px-1.5 py-0 text-[10px] font-medium"
+                    >
+                      无限额度
+                    </Badge>
+                    <p
+                      v-else
+                      class="text-base font-semibold tabular-nums leading-none"
+                      :class="isNegativeWalletValue(getUserWalletTotalBalance(user)) ? 'text-rose-600' : 'text-foreground'"
+                    >
+                      {{ formatCurrencyValue(getUserWalletTotalBalance(user), '-') }}
+                    </p>
+                  </div>
+                  <div class="text-right">
+                    <p class="text-[11px] text-muted-foreground">
+                      已消费：
+                    </p>
+                    <p class="text-sm font-medium tabular-nums text-foreground">
+                      ${{ getUserWalletConsumed(user).toFixed(2) }}
+                    </p>
+                  </div>
                 </div>
               </div>
-              <div>
-                <div class="text-muted-foreground mb-1">
-                  Tokens
+
+              <div class="grid grid-cols-2 gap-2.5 text-xs">
+                <div class="rounded-lg border border-border/50 bg-background/70 p-2.5">
+                  <div class="mb-1 text-muted-foreground">
+                    请求次数
+                  </div>
+                  <div class="font-semibold text-foreground">
+                    {{ formatNumber(userStats[user.id]?.request_count) }}
+                  </div>
                 </div>
-                <div class="font-semibold text-sm text-foreground">
-                  {{ formatTokens(userStats[user.id]?.total_tokens ?? 0) }}
+                <div class="rounded-lg border border-border/50 bg-background/70 p-2.5">
+                  <div class="mb-1 text-muted-foreground">
+                    Tokens
+                  </div>
+                  <div class="font-semibold text-foreground">
+                    {{ formatTokens(userStats[user.id]?.total_tokens ?? 0) }}
+                  </div>
                 </div>
               </div>
-            </div>
 
-            <div class="p-2 sm:p-3 bg-muted/50 rounded-lg text-xs space-y-1">
-              <div v-if="user.quota_usd != null">
-                <span class="text-muted-foreground">当前配额:</span>
-                <span class="ml-2 font-semibold text-sm">${{ (user.used_usd || 0).toFixed(2) }}</span> / ${{ user.quota_usd.toFixed(2) }}
+              <div class="rounded-lg bg-muted/35 p-2.5 text-[11px] text-muted-foreground">
+                <div class="flex items-center justify-between gap-2">
+                  <span>创建时间</span>
+                  <span class="font-medium text-foreground">{{ formatDate(user.created_at) }}</span>
+                </div>
               </div>
-              <div v-else>
-                <span class="text-muted-foreground">当前配额:</span>
-                <span class="ml-2 font-semibold text-sm">${{ (user.used_usd || 0).toFixed(2) }}</span> / <span class="text-amber-600">无限制</span>
-              </div>
-              <div>
-                <span class="text-muted-foreground">累计消费:</span>
-                <span class="ml-2 font-semibold text-sm">${{ (user.total_usd || 0).toFixed(2) }}</span>
-              </div>
-              <div>
-                <span class="text-muted-foreground">创建时间:</span>
-                <span class="ml-2 text-sm">{{ formatDate(user.created_at) }}</span>
+
+              <div class="grid grid-cols-2 gap-2 pt-0.5">
+                <Button
+                  variant="outline"
+                  size="sm"
+                  class="h-8 text-xs"
+                  @click="editUser(user)"
+                >
+                  <SquarePen class="mr-1.5 h-3.5 w-3.5" />
+                  编辑
+                </Button>
+                <Button
+                  variant="outline"
+                  size="sm"
+                  class="h-8 text-xs"
+                  @click="openWalletActionDialog(user)"
+                >
+                  <DollarSign class="mr-1.5 h-3.5 w-3.5" />
+                  资金
+                </Button>
+                <Button
+                  variant="outline"
+                  size="sm"
+                  class="h-8 text-xs"
+                  @click="manageApiKeys(user)"
+                >
+                  <Key class="mr-1.5 h-3.5 w-3.5" />
+                  API Keys
+                </Button>
+                <Button
+                  variant="outline"
+                  size="sm"
+                  class="h-8 text-xs"
+                  @click="toggleUserStatus(user)"
+                >
+                  <PauseCircle
+                    v-if="user.is_active"
+                    class="mr-1.5 h-3.5 w-3.5"
+                  />
+                  <PlayCircle
+                    v-else
+                    class="mr-1.5 h-3.5 w-3.5"
+                  />
+                  {{ user.is_active ? '禁用' : '启用' }}
+                </Button>
+                <Button
+                  variant="outline"
+                  size="sm"
+                  class="col-span-2 h-8 border-rose-200 text-xs text-rose-600 hover:bg-rose-50 dark:border-rose-900/60 dark:hover:bg-rose-950/40"
+                  @click="deleteUser(user)"
+                >
+                  <Trash2 class="mr-1.5 h-3.5 w-3.5" />
+                  删除
+                </Button>
               </div>
             </div>
           </div>
-
-          <!-- 操作按钮 - 响应式布局 -->
-          <div class="grid grid-cols-2 sm:flex sm:flex-wrap gap-1.5 sm:gap-2">
-            <Button
-              variant="outline"
-              size="sm"
-              class="text-xs sm:text-sm h-8 sm:h-9 sm:flex-1 sm:min-w-[90px]"
-              @click="editUser(user)"
-            >
-              <SquarePen class="h-3 w-3 sm:h-3.5 sm:w-3.5 sm:mr-1.5" />
-              <span class="hidden sm:inline">编辑</span>
-            </Button>
-            <Button
-              variant="outline"
-              size="sm"
-              class="text-xs sm:text-sm h-8 sm:h-9 sm:flex-1 sm:min-w-[100px]"
-              @click="manageApiKeys(user)"
-            >
-              <Key class="h-3 w-3 sm:h-3.5 sm:w-3.5 sm:mr-1.5" />
-              <span class="hidden sm:inline">API Keys</span>
-            </Button>
-            <Button
-              variant="outline"
-              size="sm"
-              class="text-xs sm:text-sm h-8 sm:h-9 sm:flex-1 sm:min-w-[90px]"
-              :class="user.is_active ? 'text-amber-600' : 'text-emerald-600'"
-              @click="toggleUserStatus(user)"
-            >
-              <PauseCircle
-                v-if="user.is_active"
-                class="h-3 w-3 sm:h-3.5 sm:w-3.5 sm:mr-1.5"
-              />
-              <PlayCircle
-                v-else
-                class="h-3 w-3 sm:h-3.5 sm:w-3.5 sm:mr-1.5"
-              />
-              <span class="hidden sm:inline">{{ user.is_active ? '禁用' : '启用' }}</span>
-            </Button>
-            <Button
-              variant="outline"
-              size="sm"
-              class="text-xs sm:text-sm h-8 sm:h-9"
-              @click="resetQuota(user)"
-            >
-              <RotateCcw class="h-3 w-3 sm:h-3.5 sm:w-3.5 sm:mr-1.5" />
-              <span class="hidden sm:inline">重置</span>
-            </Button>
-            <Button
-              variant="outline"
-              size="sm"
-              class="col-span-2 text-xs sm:text-sm h-8 sm:h-9 text-rose-600 sm:col-span-1"
-              @click="deleteUser(user)"
-            >
-              <Trash2 class="h-3 w-3 sm:h-3.5 sm:w-3.5 sm:mr-1.5" />
-              <span class="hidden sm:inline">删除</span>
-            </Button>
-          </div>
         </div>
       </div>
 
@@ -659,6 +725,17 @@
       </template>
     </Dialog>
 
+    <WalletOpsDrawer
+      :open="showWalletActionDialogState"
+      :wallet="walletActionTarget?.wallet || null"
+      :owner-name="walletActionTarget?.user.username || ''"
+      :owner-subtitle="walletActionTarget?.user.email || '未设置邮箱'"
+      context-label="用户钱包"
+      accent="emerald"
+      @close="closeWalletActionDrawer"
+      @changed="handleWalletDrawerChanged"
+    />
+
     <!-- 新 API Key 显示对话框 -->
     <Dialog
       v-model="showNewApiKeyDialog"
@@ -720,11 +797,13 @@
 import { ref, computed, onMounted, watch } from 'vue'
 import { useUsersStore } from '@/stores/users'
 import type { User, ApiKey } from '@/api/users'
+import { adminWalletApi, type AdminWallet } from '@/api/admin-wallets'
 import { useToast } from '@/composables/useToast'
 import { useConfirm } from '@/composables/useConfirm'
 import { useClipboard } from '@/composables/useClipboard'
 import { usageApi, type UsageByUser } from '@/api/usage'
 import { adminApi } from '@/api/admin'
+import { walletStatusBadge, walletStatusLabel } from '@/utils/walletDisplay'
 
 // UI 组件
 import {
@@ -757,7 +836,7 @@ import {
   Key,
   PauseCircle,
   PlayCircle,
-  RotateCcw,
+  DollarSign,
   Trash2,
   Copy,
   Search,
@@ -768,11 +847,12 @@ import {
 
 // 功能组件
 import UserFormDialog, { type UserFormData } from '@/features/users/components/UserFormDialog.vue'
+import WalletOpsDrawer from '@/features/wallet/components/WalletOpsDrawer.vue'
 import { parseApiError } from '@/utils/errorParser'
 import { log } from '@/utils/logger'
 
 const { success, error } = useToast()
-const { confirmDanger, confirmWarning } = useConfirm()
+const { confirmDanger } = useConfirm()
 const { copyToClipboard } = useClipboard()
 const usersStore = useUsersStore()
 
@@ -794,6 +874,10 @@ const apiKeyInput = ref<HTMLInputElement>()
 const userStats = ref<Record<string, UsageByUser>>({})
 const loadingStats = ref(false)
 let userStatsRequestId = 0
+const userWalletMap = ref<Record<string, AdminWallet>>({})
+
+const showWalletActionDialogState = ref(false)
+const walletActionTarget = ref<{ user: User; wallet: AdminWallet } | null>(null)
 
 const searchQuery = ref('')
 const filterRole = ref('all')
@@ -847,16 +931,14 @@ watch([searchQuery, filterRole, filterStatus], () => {
 })
 
 onMounted(async () => {
-  await Promise.all([
-    usersStore.fetchUsers(),
-    loadUserStats()
-  ])
+  await refreshUsers()
 })
 
 async function refreshUsers() {
   await Promise.all([
     usersStore.fetchUsers(),
-    loadUserStats()
+    loadUserStats(),
+    loadUserWallets()
   ])
 }
 
@@ -883,6 +965,20 @@ async function loadUserStats() {
   }
 }
 
+async function loadUserWallets() {
+  try {
+    const wallets = await adminWalletApi.listAllWallets()
+    userWalletMap.value = wallets
+      .filter((wallet) => wallet.owner_type === 'user' && !!wallet.user_id)
+      .reduce<Record<string, AdminWallet>>((acc, wallet) => {
+        acc[wallet.user_id as string] = wallet
+        return acc
+      }, {})
+  } catch (err) {
+    log.error('加载用户钱包失败:', err)
+  }
+}
+
 function formatTokens(tokens: number): string {
   if (tokens >= 1000000) {
     return `${(tokens / 1000000).toFixed(1)}M`
@@ -897,6 +993,48 @@ function formatNumber(value?: number | null): string {
   return numericValue.toLocaleString()
 }
 
+function getUserWallet(userId: string): AdminWallet | null {
+  return userWalletMap.value[userId] || null
+}
+
+function isUserUnlimited(user: User): boolean {
+  const wallet = getUserWallet(user.id)
+  if (wallet?.limit_mode === 'unlimited' || wallet?.unlimited === true) {
+    return true
+  }
+  return Boolean(user.unlimited)
+}
+
+function getUserWalletTotalBalance(user: User): number | null {
+  if (isUserUnlimited(user)) {
+    return null
+  }
+  const wallet = getUserWallet(user.id)
+  if (!wallet) {
+    return null
+  }
+  return wallet.balance
+}
+
+function getUserWalletConsumed(user: User): number {
+  return getUserWallet(user.id)?.total_consumed ?? 0
+}
+
+function getUserWalletStatus(userId: string): string | null {
+  return getUserWallet(userId)?.status ?? null
+}
+
+function formatCurrencyValue(value: number | null, nullLabel = '-'): string {
+  if (value == null) {
+    return nullLabel
+  }
+  return `$${value.toFixed(2)}`
+}
+
+function isNegativeWalletValue(value: number | null): boolean {
+  return typeof value === 'number' && value < 0
+}
+
 async function toggleUserStatus(user: User) {
   const action = user.is_active ? '禁用' : '启用'
   const confirmed = await confirmDanger(
@@ -928,7 +1066,7 @@ function editUser(user: User) {
     id: user.id,
     username: user.username,
     email: user.email,
-    quota_usd: user.quota_usd,
+    unlimited: user.unlimited,
     role: user.role,
     is_active: user.is_active,
     allowed_providers: [...(user.allowed_providers || [])],
@@ -943,7 +1081,7 @@ function closeUserFormDialog() {
   editingUser.value = null
 }
 
-async function handleUserFormSubmit(data: UserFormData & { password?: string }) {
+async function handleUserFormSubmit(data: UserFormData & { password?: string; unlimited?: boolean }) {
   userFormDialogRef.value?.setSaving(true)
   try {
     if (data.id) {
@@ -951,7 +1089,7 @@ async function handleUserFormSubmit(data: UserFormData & { password?: string })
       const updateData: Record<string, unknown> = {
         username: data.username,
         email: data.email || undefined,
-        quota_usd: data.quota_usd,
+        unlimited: data.unlimited,
         role: data.role,
         allowed_providers: data.allowed_providers,
         allowed_api_formats: data.allowed_api_formats,
@@ -961,6 +1099,7 @@ async function handleUserFormSubmit(data: UserFormData & { password?: string })
         updateData.password = data.password
       }
       await usersStore.updateUser(data.id, updateData)
+      await loadUserWallets()
       success('用户信息已更新')
     } else {
       // 创建用户
@@ -968,8 +1107,8 @@ async function handleUserFormSubmit(data: UserFormData & { password?: string })
         username: data.username,
         password: data.password ?? '',
         email: data.email || undefined,
-        quota_usd: data.quota_usd,
-        unlimited: (data as Record<string, unknown>).unlimited as boolean | undefined,
+        initial_gift_usd: data.initial_gift_usd,
+        unlimited: data.unlimited,
         role: data.role,
         allowed_providers: data.allowed_providers,
         allowed_api_formats: data.allowed_api_formats,
@@ -979,6 +1118,7 @@ async function handleUserFormSubmit(data: UserFormData & { password?: string })
       if (data.is_active === false && newUser) {
         await usersStore.updateUser(newUser.id, { is_active: false })
       }
+      await loadUserWallets()
       success('用户创建成功')
     }
     closeUserFormDialog()
@@ -1055,8 +1195,9 @@ async function deleteApiKey(apiKey: ApiKey) {
 }
 
 async function toggleLockApiKey(apiKey: ApiKey) {
+  if (!selectedUser.value) return
   try {
-    const response = await adminApi.toggleLockApiKey(apiKey.id)
+    const response = await adminApi.toggleUserApiKeyLock(selectedUser.value.id, apiKey.id)
     // 更新本地状态
     const index = userApiKeys.value.findIndex(k => k.id === apiKey.id)
     if (index !== -1) {
@@ -1070,9 +1211,9 @@ async function toggleLockApiKey(apiKey: ApiKey) {
 }
 
 async function copyFullKey(apiKey: ApiKey) {
+  if (!selectedUser.value) return
   try {
-    // 调用后端 API 获取完整密钥
-    const response = await adminApi.getFullApiKey(apiKey.id)
+    const response = await usersStore.getFullApiKey(selectedUser.value.id, apiKey.id)
     await copyToClipboard(response.key)
   } catch (err: unknown) {
     log.error('复制密钥失败:', err)
@@ -1080,19 +1221,30 @@ async function copyFullKey(apiKey: ApiKey) {
   }
 }
 
-async function resetQuota(user: User) {
-  const confirmed = await confirmWarning(
-    `确定要重置用户 ${user.username} 的配额使用量吗？\n\n这将把已使用金额重置为0。`,
-    '重置配额'
-  )
+function openWalletActionDialog(user: User) {
+  const wallet = getUserWallet(user.id)
+  if (!wallet) {
+    error('该用户的钱包尚未初始化，暂时无法进行资金操作')
+    return
+  }
 
-  if (!confirmed) return
+  walletActionTarget.value = {
+    user,
+    wallet,
+  }
+  showWalletActionDialogState.value = true
+}
 
-  try {
-    await usersStore.resetUserQuota(user.id)
-    success('配额已重置')
-  } catch (err: unknown) {
-    error(parseApiError(err, '未知错误'), '重置配额失败')
+function closeWalletActionDrawer() {
+  showWalletActionDialogState.value = false
+}
+
+async function handleWalletDrawerChanged() {
+  await loadUserWallets()
+  if (!walletActionTarget.value) return
+  const latestWallet = getUserWallet(walletActionTarget.value.user.id)
+  if (latestWallet) {
+    walletActionTarget.value.wallet = latestWallet
   }
 }
 

frontend/src/views/admin/system-settings/BasicConfigSection.vue

@@ -18,19 +18,19 @@
           for="default-quota"
           class="block text-sm font-medium"
         >
-          默认用户配额(美元)
+          默认用户初始赠款(美元)
         </Label>
         <Input
           id="default-quota"
-          :model-value="defaultUserQuotaUsd"
+          :model-value="defaultUserInitialGiftUsd"
           type="number"
           step="0.01"
           placeholder="10.00"
           class="mt-1"
-          @update:model-value="$emit('update:defaultUserQuotaUsd', Number($event))"
+          @update:model-value="$emit('update:defaultUserInitialGiftUsd', Number($event))"
         />
         <p class="mt-1 text-xs text-muted-foreground">
-          新用户注册时的默认配额
+          新用户注册时的默认初始赠款
         </p>
       </div>
 
@@ -128,7 +128,7 @@ import Checkbox from '@/components/ui/checkbox.vue'
 import { CardSection } from '@/components/layout'
 
 defineProps<{
-  defaultUserQuotaUsd: number
+  defaultUserInitialGiftUsd: number
   rateLimitPerMinute: number
   enableRegistration: boolean
   autoDeleteExpiredKeys: boolean
@@ -139,7 +139,7 @@ defineProps<{
 
 defineEmits<{
   save: []
-  'update:defaultUserQuotaUsd': [value: number]
+  'update:defaultUserInitialGiftUsd': [value: number]
   'update:rateLimitPerMinute': [value: number]
   'update:enableRegistration': [value: boolean]
   'update:autoDeleteExpiredKeys': [value: boolean]

frontend/src/views/admin/system-settings/ScheduledTasksSection.vue

@@ -14,9 +14,7 @@
             ? 'border-primary/30 bg-primary/[0.02] shadow-sm shadow-primary/5'
             : 'border-border bg-card hover:border-border/80'"
         >
-          <!-- 主行 -->
           <div class="flex items-center gap-4 p-4">
-            <!-- 左侧：开关 -->
             <div class="shrink-0">
               <Switch
                 :id="`enable-${task.id}`"
@@ -25,7 +23,6 @@
               />
             </div>
 
-            <!-- 中间：图标、标题、描述 -->
             <div class="flex items-center gap-3 flex-1 min-w-0">
               <div
                 class="w-9 h-9 rounded-lg flex items-center justify-center shrink-0 transition-colors duration-300"
@@ -48,7 +45,6 @@
               </div>
             </div>
 
-            <!-- 右侧：时间选择器 + 保存按钮 -->
             <div
               v-if="task.enabled && task.hasTimeConfig"
               class="flex items-center gap-2 shrink-0"
@@ -118,123 +114,6 @@
               </template>
             </div>
           </div>
-
-          <!-- 额外配置区域（仅用户配额重置任务有） -->
-          <div
-            v-if="task.id === 'user-quota-reset' && task.enabled"
-            class="px-4 pb-4 pt-0"
-          >
-            <div class="flex items-center gap-3 p-3 rounded-lg bg-muted/30 border border-border/50">
-              <div class="flex items-center gap-2 text-sm">
-                <span class="text-muted-foreground">重置周期</span>
-                <div class="flex items-center gap-1.5">
-                  <span class="text-muted-foreground">每</span>
-                  <Input
-                    :model-value="quotaResetIntervalDays"
-                    type="number"
-                    min="1"
-                    step="1"
-                    class="w-14 h-7 text-xs text-center px-2"
-                    @update:model-value="$emit('update:quotaResetIntervalDays', Number($event))"
-                  />
-                  <span class="text-muted-foreground">天</span>
-                </div>
-              </div>
-            </div>
-            <p class="text-[11px] text-muted-foreground mt-2 ml-1">
-              滚动计算：距离上次成功执行满 N 天后再次执行
-            </p>
-          </div>
-
-          <!-- 独立密钥额度重置额外配置 -->
-          <div
-            v-if="task.id === 'standalone-key-quota-reset' && task.enabled"
-            class="px-4 pb-4 pt-0 space-y-3"
-          >
-            <!-- 重置周期 -->
-            <div class="flex items-center gap-3 p-3 rounded-lg bg-muted/30 border border-border/50">
-              <div class="flex items-center gap-2 text-sm">
-                <span class="text-muted-foreground">重置周期</span>
-                <div class="flex items-center gap-1.5">
-                  <span class="text-muted-foreground">每</span>
-                  <Input
-                    :model-value="standaloneKeyResetIntervalDays"
-                    type="number"
-                    min="1"
-                    step="1"
-                    class="w-14 h-7 text-xs text-center px-2"
-                    @update:model-value="$emit('update:standaloneKeyResetIntervalDays', Number($event))"
-                  />
-                  <span class="text-muted-foreground">天</span>
-                </div>
-              </div>
-            </div>
-
-            <!-- 重置范围 -->
-            <div class="p-3 rounded-lg bg-muted/30 border border-border/50 space-y-3">
-              <div class="flex items-center gap-2 text-sm">
-                <span class="text-muted-foreground">重置范围</span>
-                <Select
-                  :model-value="standaloneKeyResetMode"
-                  @update:model-value="$emit('update:standaloneKeyResetMode', $event)"
-                >
-                  <SelectTrigger class="w-32 h-7 text-xs">
-                    <SelectValue />
-                  </SelectTrigger>
-                  <SelectContent>
-                    <SelectItem value="all">
-                      全部独立密钥
-                    </SelectItem>
-                    <SelectItem value="selected">
-                      指定密钥
-                    </SelectItem>
-                  </SelectContent>
-                </Select>
-              </div>
-
-              <!-- 密钥多选列表 -->
-              <div
-                v-if="standaloneKeyResetMode === 'selected'"
-                class="space-y-2"
-              >
-                <div class="text-xs text-muted-foreground">
-                  选择需要重置的密钥:
-                </div>
-                <div
-                  v-if="standaloneKeys.length === 0"
-                  class="text-xs text-muted-foreground/60 py-2"
-                >
-                  暂无独立密钥
-                </div>
-                <div
-                  v-else
-                  class="max-h-48 overflow-y-auto space-y-1"
-                >
-                  <label
-                    v-for="key in standaloneKeys"
-                    :key="key.id"
-                    class="flex items-center gap-2 p-2 rounded hover:bg-muted/50 cursor-pointer text-xs"
-                  >
-                    <Checkbox
-                      :model-value="standaloneKeyResetKeyIds.includes(key.id)"
-                      @update:model-value="$emit('toggleStandaloneKeyResetKeyId', key.id)"
-                    />
-                    <span class="truncate">{{ key.name || key.key_display || 'sk-****' }}</span>
-                    <span
-                      v-if="key.current_balance_usd != null"
-                      class="text-muted-foreground ml-auto shrink-0"
-                    >
-                      ${{ key.current_balance_usd.toFixed(2) }}
-                    </span>
-                  </label>
-                </div>
-              </div>
-            </div>
-
-            <p class="text-[11px] text-muted-foreground ml-1">
-              滚动计算：距离上次成功执行满 N 天后再次执行
-            </p>
-          </div>
         </div>
       </template>
     </div>
@@ -244,9 +123,7 @@
 <script setup lang="ts">
 import { Clock, Check, Loader2, X } from 'lucide-vue-next'
 import Button from '@/components/ui/button.vue'
-import Input from '@/components/ui/input.vue'
 import Switch from '@/components/ui/switch.vue'
-import Checkbox from '@/components/ui/checkbox.vue'
 import Select from '@/components/ui/select.vue'
 import SelectTrigger from '@/components/ui/select-trigger.vue'
 import SelectValue from '@/components/ui/select-value.vue'
@@ -272,26 +149,7 @@ interface ScheduledTask {
   onCancel: () => void
 }
 
-interface StandaloneKeyOption {
-  id: string
-  name?: string
-  key_display?: string
-  current_balance_usd?: number | null
-}
-
 defineProps<{
   scheduledTasks: ScheduledTask[]
-  quotaResetIntervalDays: number
-  standaloneKeyResetIntervalDays: number
-  standaloneKeyResetMode: string
-  standaloneKeyResetKeyIds: string[]
-  standaloneKeys: StandaloneKeyOption[]
-}>()
-
-defineEmits<{
-  'update:quotaResetIntervalDays': [value: number]
-  'update:standaloneKeyResetIntervalDays': [value: number]
-  'update:standaloneKeyResetMode': [value: string]
-  'toggleStandaloneKeyResetKeyId': [keyId: string]
 }>()
 </script>

frontend/src/views/admin/system-settings/composables/useScheduledTasks.ts

@@ -1,5 +1,5 @@
 import { ref, computed, type Ref } from 'vue'
-import { CalendarCheck, RotateCcw, RefreshCw, KeyRound } from 'lucide-vue-next'
+import { CalendarCheck, RefreshCw } from 'lucide-vue-next'
 import { useToast } from '@/composables/useToast'
 import { adminApi } from '@/api/admin'
 import { log } from '@/utils/logger'
@@ -9,25 +9,13 @@ export function useScheduledTasks(systemConfig: Ref<SystemConfig>) {
   const { success, error } = useToast()
 
   const checkinConfigLoading = ref(false)
-  const quotaResetConfigLoading = ref(false)
-  const standaloneKeyResetConfigLoading = ref(false)
 
   // 签到时间的原始值（用于回滚）
   const previousCheckinTime = ref('')
-  // 用户配额重置时间的原始值
-  const previousUserQuotaResetTime = ref('')
-  const previousUserQuotaResetIntervalDays = ref(1)
-  // 独立密钥额度重置的原始值
-  const previousStandaloneKeyResetTime = ref('')
-  const previousStandaloneKeyResetIntervalDays = ref(1)
 
   // 初始化原始值（在配置加载完成后调用）
   function initPreviousValues() {
     previousCheckinTime.value = systemConfig.value.provider_checkin_time
-    previousUserQuotaResetTime.value = systemConfig.value.user_quota_reset_time
-    previousUserQuotaResetIntervalDays.value = systemConfig.value.user_quota_reset_interval_days
-    previousStandaloneKeyResetTime.value = systemConfig.value.standalone_key_quota_reset_time
-    previousStandaloneKeyResetIntervalDays.value = systemConfig.value.standalone_key_quota_reset_interval_days
   }
 
   // 签到时间
@@ -51,70 +39,6 @@ export function useScheduledTasks(systemConfig: Ref<SystemConfig>) {
     return systemConfig.value.provider_checkin_time !== previousCheckinTime.value
   })
 
-  // 用户配额重置时间
-  const userQuotaResetHour = computed(() => {
-    const time = systemConfig.value.user_quota_reset_time
-    if (!time || !time.includes(':')) return '05'
-    return time.split(':')[0]
-  })
-
-  const userQuotaResetMinute = computed(() => {
-    const time = systemConfig.value.user_quota_reset_time
-    if (!time || !time.includes(':')) return '00'
-    return time.split(':')[1]
-  })
-
-  function updateUserQuotaResetTime(hour: string, minute: string) {
-    systemConfig.value.user_quota_reset_time = `${hour}:${minute}`
-  }
-
-  const hasUserQuotaResetTimeChanged = computed(() => {
-    return systemConfig.value.user_quota_reset_time !== previousUserQuotaResetTime.value
-  })
-
-  const hasUserQuotaResetIntervalChanged = computed(() => {
-    return (
-      systemConfig.value.user_quota_reset_interval_days !==
-      previousUserQuotaResetIntervalDays.value
-    )
-  })
-
-  const hasQuotaResetConfigChanged = computed(() => {
-    return hasUserQuotaResetTimeChanged.value || hasUserQuotaResetIntervalChanged.value
-  })
-
-  // 独立密钥额度重置时间
-  const standaloneKeyResetHour = computed(() => {
-    const time = systemConfig.value.standalone_key_quota_reset_time
-    if (!time || !time.includes(':')) return '05'
-    return time.split(':')[0]
-  })
-
-  const standaloneKeyResetMinute = computed(() => {
-    const time = systemConfig.value.standalone_key_quota_reset_time
-    if (!time || !time.includes(':')) return '00'
-    return time.split(':')[1]
-  })
-
-  function updateStandaloneKeyResetTime(hour: string, minute: string) {
-    systemConfig.value.standalone_key_quota_reset_time = `${hour}:${minute}`
-  }
-
-  const hasStandaloneKeyResetTimeChanged = computed(() => {
-    return systemConfig.value.standalone_key_quota_reset_time !== previousStandaloneKeyResetTime.value
-  })
-
-  const hasStandaloneKeyResetIntervalChanged = computed(() => {
-    return (
-      systemConfig.value.standalone_key_quota_reset_interval_days !==
-      previousStandaloneKeyResetIntervalDays.value
-    )
-  })
-
-  const hasStandaloneKeyResetConfigChanged = computed(() => {
-    return hasStandaloneKeyResetTimeChanged.value || hasStandaloneKeyResetIntervalChanged.value
-  })
-
   // Toggle handlers
   async function handleProviderCheckinToggle(enabled: boolean) {
     const previousValue = systemConfig.value.enable_provider_checkin
@@ -133,23 +57,6 @@ export function useScheduledTasks(systemConfig: Ref<SystemConfig>) {
     }
   }
 
-  async function handleUserQuotaResetToggle(enabled: boolean) {
-    const previousValue = systemConfig.value.enable_user_quota_reset
-    systemConfig.value.enable_user_quota_reset = enabled
-    try {
-      await adminApi.updateSystemConfig(
-        'enable_user_quota_reset',
-        enabled,
-        '是否启用用户配额自动重置任务'
-      )
-      success(enabled ? '已启用用户配额自动重置' : '已禁用用户配额自动重置')
-    } catch (err) {
-      error('保存配置失败')
-      log.error('保存用户配额自动重置配置失败:', err)
-      systemConfig.value.enable_user_quota_reset = previousValue
-    }
-  }
-
   async function handleOAuthTokenRefreshToggle(enabled: boolean) {
     const previousValue = systemConfig.value.enable_oauth_token_refresh
     systemConfig.value.enable_oauth_token_refresh = enabled
@@ -167,38 +74,11 @@ export function useScheduledTasks(systemConfig: Ref<SystemConfig>) {
     }
   }
 
-  async function handleStandaloneKeyResetToggle(enabled: boolean) {
-    const previousValue = systemConfig.value.enable_standalone_key_quota_reset
-    systemConfig.value.enable_standalone_key_quota_reset = enabled
-    try {
-      await adminApi.updateSystemConfig(
-        'enable_standalone_key_quota_reset',
-        enabled,
-        '是否启用独立密钥额度自动重置任务'
-      )
-      success(enabled ? '已启用独立密钥额度自动重置' : '已禁用独立密钥额度自动重置')
-    } catch (err) {
-      error('保存配置失败')
-      log.error('保存独立密钥额度自动重置配置失败:', err)
-      systemConfig.value.enable_standalone_key_quota_reset = previousValue
-    }
-  }
-
   // Cancel handlers
   function handleCheckinTimeCancel() {
     systemConfig.value.provider_checkin_time = previousCheckinTime.value
   }
 
-  function handleQuotaResetConfigCancel() {
-    systemConfig.value.user_quota_reset_time = previousUserQuotaResetTime.value
-    systemConfig.value.user_quota_reset_interval_days = previousUserQuotaResetIntervalDays.value
-  }
-
-  function handleStandaloneKeyResetConfigCancel() {
-    systemConfig.value.standalone_key_quota_reset_time = previousStandaloneKeyResetTime.value
-    systemConfig.value.standalone_key_quota_reset_interval_days = previousStandaloneKeyResetIntervalDays.value
-  }
-
   // Save handlers
   async function handleCheckinTimeSave() {
     const newTime = systemConfig.value.provider_checkin_time
@@ -224,171 +104,6 @@ export function useScheduledTasks(systemConfig: Ref<SystemConfig>) {
     }
   }
 
-  async function handleQuotaResetConfigSave() {
-    const configItems: Array<{
-      key: string
-      value: unknown
-      description: string
-      onSuccess: () => void
-    }> = []
-
-    if (hasUserQuotaResetTimeChanged.value) {
-      const newTime = systemConfig.value.user_quota_reset_time
-      if (!newTime || !/^\d{2}:\d{2}$/.test(newTime)) {
-        error('请输入有效的时间格式 (HH:MM)')
-        return
-      }
-      configItems.push({
-        key: 'user_quota_reset_time',
-        value: newTime,
-        description: '用户配额自动重置执行时间（HH:MM 格式）',
-        onSuccess: () => {
-          previousUserQuotaResetTime.value = newTime
-        },
-      })
-    }
-
-    if (hasUserQuotaResetIntervalChanged.value) {
-      let intervalDays = Number(systemConfig.value.user_quota_reset_interval_days)
-      if (!Number.isFinite(intervalDays) || intervalDays < 1) intervalDays = 1
-      intervalDays = Math.trunc(intervalDays)
-
-      systemConfig.value.user_quota_reset_interval_days = intervalDays
-
-      configItems.push({
-        key: 'user_quota_reset_interval_days',
-        value: intervalDays,
-        description: '用户配额重置周期（天数），滚动计算',
-        onSuccess: () => {
-          previousUserQuotaResetIntervalDays.value = intervalDays
-        },
-      })
-    }
-
-    if (configItems.length === 0) return
-
-    quotaResetConfigLoading.value = true
-    const failedKeys: string[] = []
-
-    try {
-      for (const item of configItems) {
-        try {
-          await adminApi.updateSystemConfig(item.key, item.value, item.description)
-          item.onSuccess()
-        } catch (err) {
-          failedKeys.push(item.key)
-          log.error(`保存配额重置配置失败: ${item.key}`, err)
-        }
-      }
-
-      if (failedKeys.length > 0) {
-        error(`部分配置保存失败: ${failedKeys.join(', ')}`)
-        return
-      }
-
-      success('配额重置配置已保存')
-    } finally {
-      quotaResetConfigLoading.value = false
-    }
-  }
-
-  async function handleStandaloneKeyResetConfigSave() {
-    const configItems: Array<{
-      key: string
-      value: unknown
-      description: string
-      onSuccess: () => void
-    }> = []
-
-    if (hasStandaloneKeyResetTimeChanged.value) {
-      const newTime = systemConfig.value.standalone_key_quota_reset_time
-      if (!newTime || !/^\d{2}:\d{2}$/.test(newTime)) {
-        error('请输入有效的时间格式 (HH:MM)')
-        return
-      }
-      configItems.push({
-        key: 'standalone_key_quota_reset_time',
-        value: newTime,
-        description: '独立密钥额度自动重置执行时间（HH:MM 格式）',
-        onSuccess: () => {
-          previousStandaloneKeyResetTime.value = newTime
-        },
-      })
-    }
-
-    if (hasStandaloneKeyResetIntervalChanged.value) {
-      let intervalDays = Number(systemConfig.value.standalone_key_quota_reset_interval_days)
-      if (!Number.isFinite(intervalDays) || intervalDays < 1) intervalDays = 1
-      intervalDays = Math.trunc(intervalDays)
-
-      systemConfig.value.standalone_key_quota_reset_interval_days = intervalDays
-
-      configItems.push({
-        key: 'standalone_key_quota_reset_interval_days',
-        value: intervalDays,
-        description: '独立密钥额度重置周期（天数），滚动计算',
-        onSuccess: () => {
-          previousStandaloneKeyResetIntervalDays.value = intervalDays
-        },
-      })
-    }
-
-    if (configItems.length === 0) return
-
-    standaloneKeyResetConfigLoading.value = true
-    const failedKeys: string[] = []
-
-    try {
-      for (const item of configItems) {
-        try {
-          await adminApi.updateSystemConfig(item.key, item.value, item.description)
-          item.onSuccess()
-        } catch (err) {
-          failedKeys.push(item.key)
-          log.error(`保存独立密钥额度重置配置失败: ${item.key}`, err)
-        }
-      }
-
-      if (failedKeys.length > 0) {
-        error(`部分配置保存失败: ${failedKeys.join(', ')}`)
-        return
-      }
-
-      success('独立密钥额度重置配置已保存')
-    } finally {
-      standaloneKeyResetConfigLoading.value = false
-    }
-  }
-
-  // 保存独立密钥额度重置模式和选中密钥
-  async function saveStandaloneKeyResetMode(mode: string) {
-    try {
-      await adminApi.updateSystemConfig(
-        'standalone_key_quota_reset_mode',
-        mode,
-        '独立密钥额度重置模式'
-      )
-      success('重置模式已保存')
-    } catch (err) {
-      error('保存重置模式失败')
-      log.error('保存独立密钥额度重置模式失败:', err)
-    }
-  }
-
-  async function saveStandaloneKeyResetKeyIds(keyIds: string[]) {
-    try {
-      await adminApi.updateSystemConfig(
-        'standalone_key_quota_reset_key_ids',
-        keyIds,
-        '独立密钥额度重置指定的密钥 ID 列表'
-      )
-      success('已保存选中密钥')
-    } catch (err) {
-      error('保存选中密钥失败')
-      log.error('保存独立密钥额度重置密钥列表失败:', err)
-    }
-  }
-
   // 定时任务配置列表
   const scheduledTasks = computed(() => [
     {
@@ -407,22 +122,6 @@ export function useScheduledTasks(systemConfig: Ref<SystemConfig>) {
       onSave: handleCheckinTimeSave,
       onCancel: handleCheckinTimeCancel,
     },
-    {
-      id: 'user-quota-reset',
-      icon: RotateCcw,
-      title: '用户配额自动重置',
-      description: '定时将用户已使用配额重置为零',
-      enabled: systemConfig.value.enable_user_quota_reset,
-      hasTimeConfig: true,
-      hour: userQuotaResetHour.value,
-      minute: userQuotaResetMinute.value,
-      updateTime: updateUserQuotaResetTime,
-      hasChanges: hasQuotaResetConfigChanged.value,
-      loading: quotaResetConfigLoading.value,
-      onToggle: handleUserQuotaResetToggle,
-      onSave: handleQuotaResetConfigSave,
-      onCancel: handleQuotaResetConfigCancel,
-    },
     {
       id: 'oauth-token-refresh',
       icon: RefreshCw,
@@ -439,31 +138,11 @@ export function useScheduledTasks(systemConfig: Ref<SystemConfig>) {
       onSave: () => {},
       onCancel: () => {},
     },
-    {
-      id: 'standalone-key-quota-reset',
-      icon: KeyRound,
-      title: '独立密钥额度自动重置',
-      description: '定时将独立密钥已使用额度重置为零',
-      enabled: systemConfig.value.enable_standalone_key_quota_reset,
-      hasTimeConfig: true,
-      hour: standaloneKeyResetHour.value,
-      minute: standaloneKeyResetMinute.value,
-      updateTime: updateStandaloneKeyResetTime,
-      hasChanges: hasStandaloneKeyResetConfigChanged.value,
-      loading: standaloneKeyResetConfigLoading.value,
-      onToggle: handleStandaloneKeyResetToggle,
-      onSave: handleStandaloneKeyResetConfigSave,
-      onCancel: handleStandaloneKeyResetConfigCancel,
-    },
   ])
 
   return {
     checkinConfigLoading,
-    quotaResetConfigLoading,
-    standaloneKeyResetConfigLoading,
     scheduledTasks,
     initPreviousValues,
-    saveStandaloneKeyResetMode,
-    saveStandaloneKeyResetKeyIds,
   }
 }

frontend/src/views/admin/system-settings/composables/useSystemConfig.ts

@@ -11,7 +11,7 @@ export interface SystemConfig {
   // 网络代理
   system_proxy_node_id: string | null
   // 基础配置
-  default_user_quota_usd: number
+  default_user_initial_gift_usd: number
   rate_limit_per_minute: number
   enable_registration: boolean
   // 独立余额 Key 过期管理
@@ -34,16 +34,7 @@ export interface SystemConfig {
   // 定时任务
   enable_provider_checkin: boolean
   provider_checkin_time: string
-  enable_user_quota_reset: boolean
-  user_quota_reset_time: string
-  user_quota_reset_interval_days: number
   enable_oauth_token_refresh: boolean
-  // 独立密钥额度重置
-  enable_standalone_key_quota_reset: boolean
-  standalone_key_quota_reset_time: string
-  standalone_key_quota_reset_interval_days: number
-  standalone_key_quota_reset_mode: string
-  standalone_key_quota_reset_key_ids: string[]
 }
 
 const CONFIG_KEYS = [
@@ -53,7 +44,7 @@ const CONFIG_KEYS = [
   // 网络代理
   'system_proxy_node_id',
   // 基础配置
-  'default_user_quota_usd',
+  'default_user_initial_gift_usd',
   'rate_limit_per_minute',
   'enable_registration',
   // 独立余额 Key 过期管理
@@ -76,16 +67,7 @@ const CONFIG_KEYS = [
   // 定时任务
   'enable_provider_checkin',
   'provider_checkin_time',
-  'enable_user_quota_reset',
-  'user_quota_reset_time',
-  'user_quota_reset_interval_days',
   'enable_oauth_token_refresh',
-  // 独立密钥额度重置
-  'enable_standalone_key_quota_reset',
-  'standalone_key_quota_reset_time',
-  'standalone_key_quota_reset_interval_days',
-  'standalone_key_quota_reset_mode',
-  'standalone_key_quota_reset_key_ids',
 ]
 
 function createDefaultConfig(): SystemConfig {
@@ -96,7 +78,7 @@ function createDefaultConfig(): SystemConfig {
     // 网络代理
     system_proxy_node_id: null,
     // 基础配置
-    default_user_quota_usd: 10.0,
+    default_user_initial_gift_usd: 10.0,
     rate_limit_per_minute: 0,
     enable_registration: false,
     // 独立余额 Key 过期管理
@@ -119,16 +101,7 @@ function createDefaultConfig(): SystemConfig {
     // 定时任务
     enable_provider_checkin: true,
     provider_checkin_time: '01:05',
-    enable_user_quota_reset: false,
-    user_quota_reset_time: '05:00',
-    user_quota_reset_interval_days: 1,
     enable_oauth_token_refresh: true,
-    // 独立密钥额度重置
-    enable_standalone_key_quota_reset: false,
-    standalone_key_quota_reset_time: '05:00',
-    standalone_key_quota_reset_interval_days: 1,
-    standalone_key_quota_reset_mode: 'all',
-    standalone_key_quota_reset_key_ids: [],
   }
 }
 
@@ -164,7 +137,7 @@ export function useSystemConfig() {
   const hasBasicConfigChanges = computed(() => {
     if (!originalConfig.value) return false
     return (
-      systemConfig.value.default_user_quota_usd !== originalConfig.value.default_user_quota_usd ||
+      systemConfig.value.default_user_initial_gift_usd !== originalConfig.value.default_user_initial_gift_usd ||
       systemConfig.value.rate_limit_per_minute !== originalConfig.value.rate_limit_per_minute ||
       systemConfig.value.enable_registration !== originalConfig.value.enable_registration ||
       systemConfig.value.auto_delete_expired_keys !== originalConfig.value.auto_delete_expired_keys ||
@@ -234,7 +207,7 @@ export function useSystemConfig() {
             ; (systemConfig.value as Record<string, unknown>)[key] = response.value
           }
         } catch {
-          // 配置不存在时使用默认值，无需处理
+          // 单个配置项加载失败时忽略，使用默认值
         }
       }
       originalConfig.value = JSON.parse(JSON.stringify(systemConfig.value))
@@ -309,9 +282,9 @@ export function useSystemConfig() {
     try {
       const configItems = [
         {
-          key: 'default_user_quota_usd',
-          value: systemConfig.value.default_user_quota_usd,
-          description: '默认用户配额（美元）',
+          key: 'default_user_initial_gift_usd',
+          value: systemConfig.value.default_user_initial_gift_usd,
+          description: '默认用户初始赠款（美元）',
         },
         {
           key: 'rate_limit_per_minute',
@@ -341,7 +314,7 @@ export function useSystemConfig() {
         )
       )
       if (originalConfig.value) {
-        originalConfig.value.default_user_quota_usd = systemConfig.value.default_user_quota_usd
+        originalConfig.value.default_user_initial_gift_usd = systemConfig.value.default_user_initial_gift_usd
         originalConfig.value.rate_limit_per_minute = systemConfig.value.rate_limit_per_minute
         originalConfig.value.enable_registration = systemConfig.value.enable_registration
         originalConfig.value.auto_delete_expired_keys =

frontend/src/views/user/Settings.vue

@@ -339,7 +339,7 @@
                       使用提醒
                     </Label>
                     <p class="text-xs text-muted-foreground mt-1">
-                      当接近配额限制时提醒
+                      当余额接近不足时提醒
                     </p>
                   </div>
                   <Switch
@@ -407,30 +407,45 @@
           </div>
         </Card>
 
-        <!-- 使用配额 -->
+        <!-- 钱包状态 -->
         <Card class="p-6">
           <h3 class="text-lg font-medium text-foreground mb-4">
-            使用配额
+            钱包状态
           </h3>
           <div class="space-y-4">
-            <div>
+            <div class="flex justify-between text-sm">
+              <span class="text-muted-foreground">总余额</span>
+              <span class="text-foreground">
+                <template v-if="isUnlimitedBilling()">
+                  无限制
+                </template>
+                <template v-else>
+                  {{ formatCurrency(profile?.billing?.balance || 0) }}
+                </template>
+              </span>
+            </div>
+            <div class="flex justify-between text-sm">
+              <span class="text-muted-foreground">充值余额</span>
+              <span class="text-foreground">{{ formatCurrency(profile?.billing?.recharge_balance || 0) }}</span>
+            </div>
+            <div class="flex justify-between text-sm">
+              <span class="text-muted-foreground">赠款余额</span>
+              <span class="text-foreground">{{ formatCurrency(profile?.billing?.gift_balance || 0) }}</span>
+            </div>
+            <div class="flex justify-between text-sm">
+              <span class="text-muted-foreground">累计消费</span>
+              <span class="text-foreground">{{ formatCurrency(profile?.billing?.total_consumed || 0) }}</span>
+            </div>
+
+            <div v-if="!isUnlimitedBilling()">
               <div class="flex justify-between text-sm mb-1">
-                <span class="text-muted-foreground">配额使用(美元)</span>
-                <span class="text-foreground">
-                  <template v-if="isUnlimitedQuota()">
-                    {{ formatCurrency(profile?.used_usd || 0) }} /
-                    <span class="text-warning">无限制</span>
-                  </template>
-                  <template v-else>
-                    {{ formatCurrency(profile?.used_usd || 0) }} /
-                    {{ formatCurrency(profile?.quota_usd || 0) }}
-                  </template>
-                </span>
+                <span class="text-muted-foreground">累计消费占比</span>
+                <span class="text-foreground">{{ getBillingUsagePercentage().toFixed(1) }}%</span>
               </div>
               <div class="w-full bg-muted rounded-full h-2.5">
                 <div
                   class="bg-success h-2.5 rounded-full"
-                  :style="`width: ${getUsagePercentage()}%`"
+                  :style="`width: ${getBillingUsagePercentage()}%`"
                 />
               </div>
             </div>
@@ -804,17 +819,17 @@ async function updatePreferences() {
   }
 }
 
-function getUsagePercentage(): number {
-  if (!profile.value) return 0
-
-  const quota = profile.value.quota_usd
-  const used = profile.value.used_usd
-  if (quota == null || quota === 0) return 0
-  return Math.min(100, (used / quota) * 100)
+function getBillingUsagePercentage(): number {
+  const billing = profile.value?.billing
+  if (!billing) return 0
+  const consumed = billing.total_consumed || 0
+  const denominator = consumed + (billing.balance || 0)
+  if (denominator <= 0) return 0
+  return Math.min(100, (consumed / denominator) * 100)
 }
 
-function isUnlimitedQuota(): boolean {
-  return profile.value?.quota_usd == null
+function isUnlimitedBilling(): boolean {
+  return profile.value?.billing?.unlimited === true
 }
 
 function formatDate(dateString?: string): string {

frontend/src/views/user/WalletCenter.vue

@@ -0,0 +1,751 @@
+<template>
+  <div class="space-y-6 pb-8">
+    <div
+      v-if="loadingInitial"
+      class="py-16"
+    >
+      <LoadingState message="正在加载钱包数据..." />
+    </div>
+
+    <template v-else>
+      <div class="grid grid-cols-1 lg:grid-cols-3 gap-4">
+        <Card class="p-5 space-y-2">
+          <div class="text-xs uppercase tracking-wider text-muted-foreground">
+            可用余额
+          </div>
+          <div class="text-3xl font-bold tabular-nums">
+            {{ formatCurrency(walletBalance?.balance) }}
+          </div>
+          <div class="text-xs text-muted-foreground">
+            充值余额: {{ formatCurrency(walletBalance?.wallet?.recharge_balance) }} · 赠款余额: {{ formatCurrency(walletBalance?.wallet?.gift_balance) }}
+          </div>
+        </Card>
+
+        <Card class="p-5 space-y-2">
+          <div class="text-xs uppercase tracking-wider text-muted-foreground">
+            累计充值 / 消费
+          </div>
+          <div class="text-lg font-semibold tabular-nums">
+            {{ formatCurrency(walletBalance?.wallet?.total_recharged) }}
+            <span class="text-muted-foreground font-normal mx-1">/</span>
+            {{ formatCurrency(walletBalance?.wallet?.total_consumed) }}
+          </div>
+          <div class="text-xs text-muted-foreground">
+            累计退款: {{ formatCurrency(walletBalance?.wallet?.total_refunded) }} · 可退款余额: {{ formatCurrency(walletBalance?.wallet?.refundable_balance) }}
+          </div>
+        </Card>
+
+        <Card class="p-5 space-y-2">
+          <div class="text-xs uppercase tracking-wider text-muted-foreground">
+            钱包状态
+          </div>
+          <div class="flex items-center gap-2">
+            <Badge :variant="walletStatusBadge(walletBalance?.wallet?.status)">
+              {{ walletStatusLabel(walletBalance?.wallet?.status) }}
+            </Badge>
+          </div>
+          <div
+            v-if="walletBalance?.unlimited"
+            class="text-xs text-amber-600 dark:text-amber-400"
+          >
+            当前账号处于无限制模式，余额仅用于账务统计。
+          </div>
+          <div class="text-xs text-muted-foreground">
+            待处理退款: {{ walletBalance?.pending_refund_count || 0 }}
+          </div>
+        </Card>
+      </div>
+
+      <!-- TODO(wallet): 充值/退款用户主动操作入口暂未启用，待支付链路联调完成后再开放 -->
+      <div
+        v-if="ENABLE_WALLET_ACTION_FORMS"
+        class="grid grid-cols-1 xl:grid-cols-2 gap-4"
+      >
+        <Card class="p-5 space-y-4">
+          <div class="flex items-center justify-between">
+            <h3 class="text-base font-semibold">
+              发起充值
+            </h3>
+            <RefreshButton
+              :loading="loadingOrders"
+              @click="loadOrders"
+            />
+          </div>
+
+          <div class="grid grid-cols-1 sm:grid-cols-2 gap-3">
+            <div class="space-y-1.5">
+              <Label>充值金额 (USD)</Label>
+              <Input
+                v-model.number="rechargeForm.amount_usd"
+                type="number"
+                min="0.01"
+                step="0.01"
+                placeholder="10"
+              />
+            </div>
+
+            <div class="space-y-1.5">
+              <Label>支付方式</Label>
+              <Select v-model="rechargeForm.payment_method">
+                <SelectTrigger>
+                  <SelectValue placeholder="选择支付方式" />
+                </SelectTrigger>
+                <SelectContent>
+                  <SelectItem value="alipay">
+                    支付宝
+                  </SelectItem>
+                  <SelectItem value="wechat">
+                    微信支付
+                  </SelectItem>
+                </SelectContent>
+              </Select>
+            </div>
+          </div>
+
+          <Button
+            class="w-full"
+            :disabled="submittingRecharge"
+            @click="submitRecharge"
+          >
+            {{ submittingRecharge ? '创建订单中...' : '创建充值订单' }}
+          </Button>
+
+          <div
+            v-if="latestRecharge"
+            class="rounded-xl border border-border/60 bg-muted/30 p-3 space-y-1.5"
+          >
+            <div class="text-xs text-muted-foreground">
+              最新订单: <span class="font-medium text-foreground">{{ latestRecharge.order.order_no }}</span>
+            </div>
+            <div class="text-xs text-muted-foreground">
+              状态:
+              <Badge
+                :variant="paymentStatusBadge(latestRecharge.order.status)"
+                class="ml-1"
+              >
+                {{ paymentStatusLabel(latestRecharge.order.status) }}
+              </Badge>
+            </div>
+            <a
+              v-if="latestRecharge.payment_instructions?.payment_url"
+              class="inline-flex text-xs text-primary hover:underline"
+              :href="String(latestRecharge.payment_instructions.payment_url)"
+              target="_blank"
+              rel="noopener noreferrer"
+            >
+              打开支付链接
+            </a>
+            <div
+              v-if="latestRecharge.payment_instructions?.qr_code"
+              class="text-xs text-muted-foreground break-all"
+            >
+              二维码标识: {{ latestRecharge.payment_instructions.qr_code }}
+            </div>
+          </div>
+        </Card>
+
+        <Card class="p-5 space-y-4">
+          <div class="flex items-center justify-between">
+            <h3 class="text-base font-semibold">
+              申请退款
+            </h3>
+            <RefreshButton
+              :loading="loadingRefunds"
+              @click="loadRefunds"
+            />
+          </div>
+
+          <div class="grid grid-cols-1 sm:grid-cols-2 gap-3">
+            <div class="space-y-1.5">
+              <Label>退款金额 (USD)</Label>
+              <Input
+                v-model.number="refundForm.amount_usd"
+                type="number"
+                min="0.01"
+                step="0.01"
+                placeholder="5"
+              />
+            </div>
+
+            <div class="space-y-1.5">
+              <Label>退款模式</Label>
+              <Select v-model="refundForm.refund_mode">
+                <SelectTrigger>
+                  <SelectValue placeholder="选择退款模式" />
+                </SelectTrigger>
+                <SelectContent>
+                  <SelectItem value="original_channel">
+                    原路退回
+                  </SelectItem>
+                  <SelectItem value="offline_payout">
+                    线下打款
+                  </SelectItem>
+                </SelectContent>
+              </Select>
+            </div>
+          </div>
+
+          <div class="space-y-1.5">
+            <Label>关联充值订单（可选）</Label>
+            <Select v-model="refundForm.payment_order_id">
+              <SelectTrigger>
+                <SelectValue placeholder="不指定订单，直接从钱包余额退款" />
+              </SelectTrigger>
+              <SelectContent>
+                <SelectItem value="__none__">
+                  不指定
+                </SelectItem>
+                <SelectItem
+                  v-for="order in refundableOrders"
+                  :key="order.id"
+                  :value="order.id"
+                >
+                  {{ order.order_no }} (可退 {{ formatCurrency(order.refundable_amount_usd) }})
+                </SelectItem>
+              </SelectContent>
+            </Select>
+          </div>
+
+          <div class="space-y-1.5">
+            <Label>退款原因（可选）</Label>
+            <Textarea
+              v-model="refundForm.reason"
+              placeholder="填写退款原因，便于审核"
+              rows="3"
+            />
+          </div>
+
+          <div class="rounded-xl border border-border/60 bg-muted/20 p-3 text-xs text-muted-foreground">
+            仅充值余额可退款，赠款余额不可退款。
+          </div>
+
+          <Button
+            class="w-full"
+            variant="outline"
+            :disabled="submittingRefund"
+            @click="submitRefund"
+          >
+            {{ submittingRefund ? '提交中...' : '提交退款申请' }}
+          </Button>
+        </Card>
+      </div>
+
+      <Card class="overflow-hidden">
+        <div class="px-5 pt-5 pb-2">
+          <Tabs v-model="activeTab">
+            <TabsList class="tabs-button-list grid grid-cols-3 w-full max-w-xl">
+              <TabsTrigger value="transactions">
+                资金流水
+              </TabsTrigger>
+              <TabsTrigger value="orders">
+                充值订单
+              </TabsTrigger>
+              <TabsTrigger value="refunds">
+                退款记录
+              </TabsTrigger>
+            </TabsList>
+
+            <TabsContent
+              value="transactions"
+              class="mt-4 space-y-4"
+            >
+              <div class="px-5 flex items-center justify-between">
+                <div class="text-sm text-muted-foreground">
+                  共 {{ txTotal }} 条
+                </div>
+                <RefreshButton
+                  :loading="loadingTransactions"
+                  @click="loadTransactions"
+                />
+              </div>
+              <div class="overflow-x-auto">
+                <Table>
+                  <TableHeader>
+                    <TableRow>
+                      <TableHead>时间</TableHead>
+                      <TableHead>类型</TableHead>
+                      <TableHead>变动</TableHead>
+                      <TableHead>余额变化</TableHead>
+                      <TableHead>说明</TableHead>
+                    </TableRow>
+                  </TableHeader>
+                  <TableBody>
+                    <TableRow
+                      v-for="tx in transactions"
+                      :key="tx.id"
+                    >
+                      <TableCell class="text-xs text-muted-foreground">
+                        {{ formatDateTime(tx.created_at) }}
+                      </TableCell>
+                      <TableCell>
+                        <div class="space-y-1">
+                          <Badge
+                            variant="outline"
+                            class="font-mono"
+                          >
+                            {{ walletTransactionCategoryLabel(tx.category) }}
+                          </Badge>
+                          <div class="text-[11px] text-muted-foreground">
+                            {{ walletTransactionReasonLabel(tx.reason_code) }}
+                          </div>
+                        </div>
+                      </TableCell>
+                      <TableCell
+                        :class="tx.amount >= 0 ? 'text-emerald-600 dark:text-emerald-400' : 'text-rose-600 dark:text-rose-400'"
+                      >
+                        {{ tx.amount >= 0 ? '+' : '' }}{{ tx.amount.toFixed(4) }}
+                      </TableCell>
+                      <TableCell class="text-xs tabular-nums">
+                        {{ tx.balance_before.toFixed(4) }} → {{ tx.balance_after.toFixed(4) }}
+                      </TableCell>
+                      <TableCell class="text-xs text-muted-foreground">
+                        {{ tx.description || '-' }}
+                      </TableCell>
+                    </TableRow>
+                    <TableRow v-if="!loadingTransactions && transactions.length === 0">
+                      <TableCell
+                        colspan="5"
+                        class="py-10"
+                      >
+                        <EmptyState
+                          title="暂无资金流水"
+                          description="充值或退款后会在这里显示"
+                        />
+                      </TableCell>
+                    </TableRow>
+                  </TableBody>
+                </Table>
+              </div>
+              <Pagination
+                :current="txPage"
+                :total="txTotal"
+                :page-size="txPageSize"
+                @update:current="handleTxPageChange"
+                @update:page-size="handleTxPageSizeChange"
+              />
+            </TabsContent>
+
+            <TabsContent
+              value="orders"
+              class="mt-4 space-y-4"
+            >
+              <div class="px-5 flex items-center justify-between">
+                <div class="text-sm text-muted-foreground">
+                  共 {{ orderTotal }} 条
+                </div>
+                <RefreshButton
+                  :loading="loadingOrders"
+                  @click="loadOrders"
+                />
+              </div>
+              <div class="overflow-x-auto">
+                <Table>
+                  <TableHeader>
+                    <TableRow>
+                      <TableHead>订单号</TableHead>
+                      <TableHead>金额</TableHead>
+                      <TableHead>支付方式</TableHead>
+                      <TableHead>状态</TableHead>
+                      <TableHead>可退金额</TableHead>
+                      <TableHead>创建时间</TableHead>
+                    </TableRow>
+                  </TableHeader>
+                  <TableBody>
+                    <TableRow
+                      v-for="order in rechargeOrders"
+                      :key="order.id"
+                    >
+                      <TableCell class="font-mono text-xs">
+                        {{ order.order_no }}
+                      </TableCell>
+                      <TableCell class="tabular-nums">
+                        {{ formatCurrency(order.amount_usd) }}
+                      </TableCell>
+                      <TableCell>{{ paymentMethodLabel(order.payment_method) }}</TableCell>
+                      <TableCell>
+                        <Badge :variant="paymentStatusBadge(order.status)">
+                          {{ paymentStatusLabel(order.status) }}
+                        </Badge>
+                      </TableCell>
+                      <TableCell class="tabular-nums">
+                        {{ formatCurrency(order.refundable_amount_usd) }}
+                      </TableCell>
+                      <TableCell class="text-xs text-muted-foreground">
+                        {{ formatDateTime(order.created_at) }}
+                      </TableCell>
+                    </TableRow>
+                    <TableRow v-if="!loadingOrders && rechargeOrders.length === 0">
+                      <TableCell
+                        colspan="6"
+                        class="py-10"
+                      >
+                        <EmptyState
+                          title="暂无充值订单"
+                          description="发起充值后会在这里显示"
+                        />
+                      </TableCell>
+                    </TableRow>
+                  </TableBody>
+                </Table>
+              </div>
+              <Pagination
+                :current="orderPage"
+                :total="orderTotal"
+                :page-size="orderPageSize"
+                @update:current="handleOrderPageChange"
+                @update:page-size="handleOrderPageSizeChange"
+              />
+            </TabsContent>
+
+            <TabsContent
+              value="refunds"
+              class="mt-4 space-y-4"
+            >
+              <div class="px-5 flex items-center justify-between">
+                <div class="text-sm text-muted-foreground">
+                  共 {{ refundTotal }} 条
+                </div>
+                <RefreshButton
+                  :loading="loadingRefunds"
+                  @click="loadRefunds"
+                />
+              </div>
+              <div class="overflow-x-auto">
+                <Table>
+                  <TableHeader>
+                    <TableRow>
+                      <TableHead>退款单号</TableHead>
+                      <TableHead>金额</TableHead>
+                      <TableHead>模式</TableHead>
+                      <TableHead>状态</TableHead>
+                      <TableHead>原因</TableHead>
+                      <TableHead>申请时间</TableHead>
+                    </TableRow>
+                  </TableHeader>
+                  <TableBody>
+                    <TableRow
+                      v-for="refund in refunds"
+                      :key="refund.id"
+                    >
+                      <TableCell class="font-mono text-xs">
+                        {{ refund.refund_no }}
+                      </TableCell>
+                      <TableCell class="tabular-nums">
+                        {{ formatCurrency(refund.amount_usd) }}
+                      </TableCell>
+                      <TableCell>{{ refundModeLabel(refund.refund_mode) }}</TableCell>
+                      <TableCell>
+                        <Badge :variant="refundStatusBadge(refund.status)">
+                          {{ refundStatusLabel(refund.status) }}
+                        </Badge>
+                      </TableCell>
+                      <TableCell class="text-xs text-muted-foreground max-w-[220px] truncate">
+                        {{ refund.reason || refund.failure_reason || '-' }}
+                      </TableCell>
+                      <TableCell class="text-xs text-muted-foreground">
+                        {{ formatDateTime(refund.created_at) }}
+                      </TableCell>
+                    </TableRow>
+                    <TableRow v-if="!loadingRefunds && refunds.length === 0">
+                      <TableCell
+                        colspan="6"
+                        class="py-10"
+                      >
+                        <EmptyState
+                          title="暂无退款记录"
+                          description="提交退款申请后会在这里显示"
+                        />
+                      </TableCell>
+                    </TableRow>
+                  </TableBody>
+                </Table>
+              </div>
+              <Pagination
+                :current="refundPage"
+                :total="refundTotal"
+                :page-size="refundPageSize"
+                @update:current="handleRefundPageChange"
+                @update:page-size="handleRefundPageSizeChange"
+              />
+            </TabsContent>
+          </Tabs>
+        </div>
+      </Card>
+    </template>
+  </div>
+</template>
+
+<script setup lang="ts">
+import { computed, onMounted, reactive, ref } from 'vue'
+import {
+  Badge,
+  Button,
+  Card,
+  Input,
+  Label,
+  Pagination,
+  RefreshButton,
+  Select,
+  SelectContent,
+  SelectItem,
+  SelectTrigger,
+  SelectValue,
+  Table,
+  TableBody,
+  TableCell,
+  TableHead,
+  TableHeader,
+  TableRow,
+  Tabs,
+  TabsContent,
+  TabsList,
+  TabsTrigger,
+  Textarea,
+} from '@/components/ui'
+import { EmptyState, LoadingState } from '@/components/common'
+import {
+  walletApi,
+  type PaymentOrder,
+  type RefundRequest,
+  type WalletBalanceResponse,
+  type WalletTransaction,
+} from '@/api/wallet'
+import { useToast } from '@/composables/useToast'
+import { parseApiError } from '@/utils/errorParser'
+import { log } from '@/utils/logger'
+import {
+  formatWalletCurrency as formatCurrency,
+  paymentMethodLabel,
+  paymentStatusBadge,
+  paymentStatusLabel,
+  refundModeLabel,
+  refundStatusBadge,
+  refundStatusLabel,
+  walletStatusBadge,
+  walletStatusLabel,
+  walletTransactionCategoryLabel,
+  walletTransactionReasonLabel,
+} from '@/utils/walletDisplay'
+
+const { success, error: showError } = useToast()
+
+// TODO(wallet): 充值和退款前台入口尚未正式启用；联调完成后改为 true 即可恢复显示。
+const ENABLE_WALLET_ACTION_FORMS = false
+
+const loadingInitial = ref(true)
+const loadingTransactions = ref(false)
+const loadingOrders = ref(false)
+const loadingRefunds = ref(false)
+const submittingRecharge = ref(false)
+const submittingRefund = ref(false)
+
+const walletBalance = ref<WalletBalanceResponse | null>(null)
+const latestRecharge = ref<{ order: PaymentOrder; payment_instructions: Record<string, unknown> } | null>(null)
+
+const transactions = ref<WalletTransaction[]>([])
+const txTotal = ref(0)
+const txPage = ref(1)
+const txPageSize = ref(20)
+
+const rechargeOrders = ref<PaymentOrder[]>([])
+const orderTotal = ref(0)
+const orderPage = ref(1)
+const orderPageSize = ref(20)
+
+const refunds = ref<RefundRequest[]>([])
+const refundTotal = ref(0)
+const refundPage = ref(1)
+const refundPageSize = ref(20)
+
+const activeTab = ref('transactions')
+
+const rechargeForm = reactive({
+  amount_usd: 10,
+  payment_method: 'alipay',
+})
+
+const refundForm = reactive({
+  amount_usd: 0,
+  payment_order_id: '__none__',
+  refund_mode: 'offline_payout',
+  reason: '',
+})
+
+const refundableOrders = computed(() =>
+  rechargeOrders.value.filter(o => (o.refundable_amount_usd || 0) > 0)
+)
+
+onMounted(async () => {
+  try {
+    await Promise.all([
+      loadBalance(),
+      loadTransactions(),
+      loadOrders(),
+      loadRefunds(),
+    ])
+  } finally {
+    loadingInitial.value = false
+  }
+})
+
+async function loadBalance() {
+  walletBalance.value = await walletApi.getBalance()
+}
+
+async function loadTransactions() {
+  loadingTransactions.value = true
+  try {
+    const offset = (txPage.value - 1) * txPageSize.value
+    const resp = await walletApi.getTransactions({ limit: txPageSize.value, offset })
+    transactions.value = resp.items
+    txTotal.value = resp.total
+  } catch (error) {
+    log.error('加载钱包流水失败:', error)
+    showError(parseApiError(error, '加载钱包流水失败'))
+  } finally {
+    loadingTransactions.value = false
+  }
+}
+
+async function loadOrders() {
+  loadingOrders.value = true
+  try {
+    const offset = (orderPage.value - 1) * orderPageSize.value
+    const resp = await walletApi.listRechargeOrders({ limit: orderPageSize.value, offset })
+    rechargeOrders.value = resp.items
+    orderTotal.value = resp.total
+  } catch (error) {
+    log.error('加载充值订单失败:', error)
+    showError(parseApiError(error, '加载充值订单失败'))
+  } finally {
+    loadingOrders.value = false
+  }
+}
+
+async function loadRefunds() {
+  loadingRefunds.value = true
+  try {
+    const offset = (refundPage.value - 1) * refundPageSize.value
+    const resp = await walletApi.listRefunds({ limit: refundPageSize.value, offset })
+    refunds.value = resp.items
+    refundTotal.value = resp.total
+  } catch (error) {
+    log.error('加载退款记录失败:', error)
+    showError(parseApiError(error, '加载退款记录失败'))
+  } finally {
+    loadingRefunds.value = false
+  }
+}
+
+async function submitRecharge() {
+  if (!rechargeForm.amount_usd || rechargeForm.amount_usd <= 0) {
+    showError('请输入有效的充值金额')
+    return
+  }
+
+  submittingRecharge.value = true
+  try {
+    latestRecharge.value = await walletApi.createRechargeOrder({
+      amount_usd: rechargeForm.amount_usd,
+      payment_method: rechargeForm.payment_method,
+    })
+    success('充值订单创建成功')
+    await Promise.all([loadOrders(), loadBalance()])
+    activeTab.value = 'orders'
+  } catch (error) {
+    log.error('创建充值订单失败:', error)
+    showError(parseApiError(error, '创建充值订单失败'))
+  } finally {
+    submittingRecharge.value = false
+  }
+}
+
+async function submitRefund() {
+  if (!refundForm.amount_usd || refundForm.amount_usd <= 0) {
+    showError('请输入有效的退款金额')
+    return
+  }
+  const refundableBalance =
+    walletBalance.value?.wallet?.refundable_balance ?? walletBalance.value?.refundable_balance ?? null
+  if (refundableBalance !== null && refundForm.amount_usd > refundableBalance) {
+    showError(`退款金额超过可退款余额（当前可退 ${formatCurrency(refundableBalance)}）`)
+    return
+  }
+
+  submittingRefund.value = true
+  try {
+    await walletApi.createRefund({
+      amount_usd: refundForm.amount_usd,
+      payment_order_id:
+        refundForm.payment_order_id && refundForm.payment_order_id !== '__none__'
+          ? refundForm.payment_order_id
+          : undefined,
+      refund_mode: refundForm.refund_mode || undefined,
+      reason: refundForm.reason || undefined,
+      idempotency_key: `web_refund_${buildRefundIdempotencyKey()}`,
+    })
+    success('退款申请已提交')
+    refundForm.amount_usd = 0
+    refundForm.payment_order_id = '__none__'
+    refundForm.reason = ''
+    await Promise.all([loadRefunds(), loadBalance(), loadOrders(), loadTransactions()])
+    activeTab.value = 'refunds'
+  } catch (error) {
+    log.error('提交退款申请失败:', error)
+    showError(parseApiError(error, '提交退款申请失败'))
+  } finally {
+    submittingRefund.value = false
+  }
+}
+
+function buildRefundIdempotencyKey(): string {
+  if (typeof crypto !== 'undefined' && typeof crypto.randomUUID === 'function') {
+    return crypto.randomUUID().replaceAll('-', '')
+  }
+  return `${Date.now()}_${Math.random().toString(16).slice(2, 10)}`
+}
+
+function handleTxPageChange(page: number) {
+  txPage.value = page
+  void loadTransactions()
+}
+
+function handleTxPageSizeChange(size: number) {
+  txPageSize.value = size
+  txPage.value = 1
+  void loadTransactions()
+}
+
+function handleOrderPageChange(page: number) {
+  orderPage.value = page
+  void loadOrders()
+}
+
+function handleOrderPageSizeChange(size: number) {
+  orderPageSize.value = size
+  orderPage.value = 1
+  void loadOrders()
+}
+
+function handleRefundPageChange(page: number) {
+  refundPage.value = page
+  void loadRefunds()
+}
+
+function handleRefundPageSizeChange(size: number) {
+  refundPageSize.value = size
+  refundPage.value = 1
+  void loadRefunds()
+}
+
+function formatDateTime(value: string | null | undefined): string {
+  if (!value) return '-'
+  return new Date(value).toLocaleString('zh-CN', {
+    year: 'numeric',
+    month: '2-digit',
+    day: '2-digit',
+    hour: '2-digit',
+    minute: '2-digit',
+  })
+}
+</script>