diff --git a/frontend/mobile-app/lib/features/profile/presentation/pages/profile_page.dart b/frontend/mobile-app/lib/features/profile/presentation/pages/profile_page.dart
index 43a5b055..48296c94 100644
--- a/frontend/mobile-app/lib/features/profile/presentation/pages/profile_page.dart
+++ b/frontend/mobile-app/lib/features/profile/presentation/pages/profile_page.dart
@@ -106,7 +106,7 @@ class _ProfilePageState extends ConsumerState<ProfilePage> {
   double _settledUsdt = 0.0;
   double _expiredUsdt = 0.0;
   double _expiredPower = 0.0;
-  bool _isLoadingWallet = true;
+  bool _isLoadingWallet = false;  // 懒加载，初始为 false
   String? _walletError;
 
   // 待领取奖励列表（每一笔单独显示）
@@ -128,10 +128,10 @@ class _ProfilePageState extends ConsumerState<ProfilePage> {
   int _unreadNotificationCount = 0;
 
   // ========== 懒加载 + 重试机制相关状态 ==========
-  // 各区域加载状态
+  // 各区域加载状态（懒加载区域初始为 false，等待可见时触发）
   bool _isLoadingUserData = true;
-  bool _isLoadingReferral = true;
-  bool _isLoadingAuthorization = true;
+  bool _isLoadingReferral = false;
+  bool _isLoadingAuthorization = false;
   String? _userDataError;
   String? _referralError;
   String? _authorizationError;
@@ -1403,8 +1403,8 @@ class _ProfilePageState extends ConsumerState<ProfilePage> {
 
   /// 构建推荐人信息卡片（包含授权数据）
   Widget _buildReferralInfoCard() {
-    // 显示加载状态（骨架屏）
-    if (_isLoadingAuthorization && !_hasLoadedAuthorization) {
+    // 显示加载状态（骨架屏）- 只有正在加载时才显示
+    if (_isLoadingAuthorization) {
       return _buildSkeleton(height: 180);
     }
 
@@ -1559,8 +1559,8 @@ class _ProfilePageState extends ConsumerState<ProfilePage> {
 
   /// 构建主要内容卡片
   Widget _buildMainContentCard() {
-    // 显示加载状态（骨架屏）- 收益数据
-    if (_isLoadingWallet && !_hasLoadedWallet) {
+    // 显示加载状态（骨架屏）- 只有正在加载时才显示
+    if (_isLoadingWallet) {
       return _buildSkeleton(height: 400);
     }