diff --git a/backend/services/wallet-service/src/application/services/wallet-application.service.ts b/backend/services/wallet-service/src/application/services/wallet-application.service.ts
index 4149ae28..39db5706 100644
--- a/backend/services/wallet-service/src/application/services/wallet-application.service.ts
+++ b/backend/services/wallet-service/src/application/services/wallet-application.service.ts
@@ -1047,6 +1047,25 @@ export class WalletApplicationService {
     return allocation.metadata?.source === 'PRE_PLANTING' ? '[预种] ' : '';
   }
 
+  /**
+   * 构建包含来源信息的分配备注
+   * 格式: [预种] {中文memo} | 来源: {sourceAccountSequence} ({orderId})
+   * 如果 metadata 中有中文 memo 则优先使用，否则使用 allocationType 英文标识
+   */
+  private buildAllocationMemo(allocation: FundAllocationItem, orderId: string, suffix?: string): string {
+    const prefix = this.prePlantingPrefix(allocation);
+    const memo = allocation.metadata?.memo || allocation.allocationType;
+    const sourceAccount = allocation.metadata?.sourceAccountSequence;
+    const parts = [prefix + memo];
+    if (sourceAccount) {
+      parts.push(`来源: ${sourceAccount} (${orderId})`);
+    }
+    if (suffix) {
+      parts.push(suffix);
+    }
+    return parts.join(' | ');
+  }
+
   /**
    * 检查分配是否已存在（幂等性检查）
    * 通过查询流水表判断该订单+账户+分配类型是否已处理
@@ -1126,7 +1145,7 @@ export class WalletApplicationService {
         entryType: LedgerEntryType.REWARD_TO_SETTLEABLE,
         amount,
         refOrderId: orderId,
-        memo: `${this.prePlantingPrefix(allocation)}${allocation.allocationType} allocation (direct settleable)`,
+        memo: this.buildAllocationMemo(allocation, orderId, '可结算'),
         payloadJson: {
           allocationType: allocation.allocationType,
           metadata: allocation.metadata,
@@ -1165,7 +1184,7 @@ export class WalletApplicationService {
         entryType: LedgerEntryType.REWARD_PENDING,
         amount,
         refOrderId: orderId,
-        memo: `${this.prePlantingPrefix(allocation)}${allocation.allocationType} allocation`,
+        memo: this.buildAllocationMemo(allocation, orderId, '待领取'),
         payloadJson: {
           allocationType: allocation.allocationType,
           expireAt: expireAt.toISOString(),
@@ -1228,9 +1247,7 @@ export class WalletApplicationService {
       entryType: LedgerEntryType.REWARD_TO_SETTLEABLE,
       amount,
       refOrderId: orderId,
-      memo: isUserAccount
-        ? `${this.prePlantingPrefix(allocation)}${allocation.allocationType} - community authorization allocation (settleable)`
-        : `${this.prePlantingPrefix(allocation)}${allocation.allocationType} - headquarters community allocation (settleable)`,
+      memo: this.buildAllocationMemo(allocation, orderId, isUserAccount ? '社区授权' : '归总部'),
       payloadJson: {
         allocationType: allocation.allocationType,
         metadata: allocation.metadata,
@@ -1292,7 +1309,7 @@ export class WalletApplicationService {
       entryType: LedgerEntryType.REWARD_TO_SETTLEABLE,
       amount,
       refOrderId: orderId,
-      memo: `${this.prePlantingPrefix(allocation)}${allocation.allocationType} - region account allocation (settleable)`,
+      memo: this.buildAllocationMemo(allocation, orderId, '可结算'),
       payloadJson: {
         allocationType: allocation.allocationType,
         metadata: allocation.metadata,
@@ -1352,7 +1369,7 @@ export class WalletApplicationService {
       entryType: LedgerEntryType.SYSTEM_ALLOCATION,
       amount,
       refOrderId: orderId,
-      memo: `${this.prePlantingPrefix(allocation)}${allocation.allocationType} - system account allocation`,
+      memo: this.buildAllocationMemo(allocation, orderId),
       payloadJson: {
         allocationType: allocation.allocationType,
         metadata: allocation.metadata,