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 a6dbad93..a46a7546 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
@@ -1349,6 +1349,40 @@ export class WalletApplicationService {
     fee: number;
     netAmount: number;
     status: string;
+  }> {
+    const MAX_RETRIES = 3;
+    let retries = 0;
+
+    while (retries < MAX_RETRIES) {
+      try {
+        return await this.executeRequestWithdrawal(command);
+      } catch (error) {
+        if (this.isOptimisticLockError(error)) {
+          retries++;
+          this.logger.warn(`[requestWithdrawal] Optimistic lock conflict for ${command.userId}, retry ${retries}/${MAX_RETRIES}`);
+          if (retries >= MAX_RETRIES) {
+            this.logger.error(`[requestWithdrawal] Max retries exceeded for ${command.userId}`);
+            throw error;
+          }
+          await this.sleep(50 * retries);
+        } else {
+          throw error;
+        }
+      }
+    }
+
+    throw new Error('Unexpected: exited retry loop without result');
+  }
+
+  /**
+   * Execute the withdrawal request logic
+   */
+  private async executeRequestWithdrawal(command: RequestWithdrawalCommand): Promise<{
+    orderNo: string;
+    amount: number;
+    fee: number;
+    netAmount: number;
+    status: string;
   }> {
     const userId = BigInt(command.userId);
     const amount = Money.USDT(command.amount);
diff --git a/backend/services/wallet-service/src/domain/aggregates/wallet-account.aggregate.ts b/backend/services/wallet-service/src/domain/aggregates/wallet-account.aggregate.ts
index 912a5a86..0e8c501d 100644
--- a/backend/services/wallet-service/src/domain/aggregates/wallet-account.aggregate.ts
+++ b/backend/services/wallet-service/src/domain/aggregates/wallet-account.aggregate.ts
@@ -40,6 +40,7 @@ export class WalletAccount {
   private _rewards: WalletRewards;
   private _status: WalletStatus;
   private _hasPlanted: boolean;               // 是否已认种过
+  private _version: number;                   // 乐观锁版本号
   private readonly _createdAt: Date;
   private _updatedAt: Date;
   private _domainEvents: DomainEvent[] = [];
@@ -53,6 +54,7 @@ export class WalletAccount {
     rewards: WalletRewards,
     status: WalletStatus,
     hasPlanted: boolean,
+    version: number,
     createdAt: Date,
     updatedAt: Date,
   ) {
@@ -64,6 +66,7 @@ export class WalletAccount {
     this._rewards = rewards;
     this._status = status;
     this._hasPlanted = hasPlanted;
+    this._version = version;
     this._createdAt = createdAt;
     this._updatedAt = updatedAt;
   }
@@ -76,6 +79,7 @@ export class WalletAccount {
   get hashpower(): Hashpower { return this._hashpower; }
   get rewards(): WalletRewards { return this._rewards; }
   get status(): WalletStatus { return this._status; }
+  get version(): number { return this._version; }
   get createdAt(): Date { return this._createdAt; }
   get updatedAt(): Date { return this._updatedAt; }
   get hasPlanted(): boolean { return this._hasPlanted; }
@@ -109,6 +113,7 @@ export class WalletAccount {
       },
       WalletStatus.ACTIVE,
       false, // hasPlanted
+      0,     // version (new wallet starts at 0)
       now,
       now,
     );
@@ -140,6 +145,7 @@ export class WalletAccount {
     expiredTotalHashpower: Decimal;
     status: string;
     hasPlanted: boolean;
+    version: number;
     createdAt: Date;
     updatedAt: Date;
   }): WalletAccount {
@@ -168,6 +174,7 @@ export class WalletAccount {
       },
       params.status as WalletStatus,
       params.hasPlanted,
+      params.version,
       params.createdAt,
       params.updatedAt,
     );
diff --git a/backend/services/wallet-service/src/infrastructure/persistence/repositories/wallet-account.repository.impl.ts b/backend/services/wallet-service/src/infrastructure/persistence/repositories/wallet-account.repository.impl.ts
index 96a47c4b..e6850c9b 100644
--- a/backend/services/wallet-service/src/infrastructure/persistence/repositories/wallet-account.repository.impl.ts
+++ b/backend/services/wallet-service/src/infrastructure/persistence/repositories/wallet-account.repository.impl.ts
@@ -1,12 +1,15 @@
-import { Injectable } from '@nestjs/common';
+import { Injectable, Logger } from '@nestjs/common';
 import { PrismaService } from '@/infrastructure/persistence/prisma/prisma.service';
 import { IWalletAccountRepository } from '@/domain/repositories';
 import { WalletAccount } from '@/domain/aggregates';
 import { UserId, WalletStatus } from '@/domain/value-objects';
+import { OptimisticLockError } from '@/shared/exceptions/domain.exception';
 import Decimal from 'decimal.js';
 
 @Injectable()
 export class WalletAccountRepositoryImpl implements IWalletAccountRepository {
+  private readonly logger = new Logger(WalletAccountRepositoryImpl.name);
+
   constructor(private readonly prisma: PrismaService) {}
 
   async save(wallet: WalletAccount): Promise<WalletAccount> {
@@ -38,15 +41,54 @@ export class WalletAccountRepositoryImpl implements IWalletAccountRepository {
     };
 
     if (wallet.walletId.value === BigInt(0)) {
-      // Create new
-      const created = await this.prisma.walletAccount.create({ data });
+      // Create new wallet with version = 0
+      const created = await this.prisma.walletAccount.create({
+        data: {
+          ...data,
+          version: 0,
+        },
+      });
       return this.toDomain(created);
     } else {
-      // Update existing
-      const updated = await this.prisma.walletAccount.update({
-        where: { id: wallet.walletId.value },
-        data,
+      // Update existing with optimistic lock
+      const currentVersion = wallet.version;
+      const newVersion = currentVersion + 1;
+
+      const result = await this.prisma.walletAccount.updateMany({
+        where: {
+          id: wallet.walletId.value,
+          version: currentVersion, // Optimistic lock: only update if version matches
+        },
+        data: {
+          ...data,
+          version: newVersion,
+          updatedAt: new Date(),
+        },
       });
+
+      if (result.count === 0) {
+        // Version mismatch - concurrent modification detected
+        this.logger.warn(
+          `[OPTIMISTIC_LOCK] Conflict detected for wallet ${wallet.accountSequence} (id=${wallet.walletId.value}, version=${currentVersion})`,
+        );
+        throw new OptimisticLockError(
+          `Wallet ${wallet.accountSequence} was modified by another transaction (version=${currentVersion})`,
+        );
+      }
+
+      this.logger.debug(
+        `[SAVE] Wallet ${wallet.accountSequence} updated (version: ${currentVersion} -> ${newVersion})`,
+      );
+
+      // Fetch the updated record to return
+      const updated = await this.prisma.walletAccount.findUnique({
+        where: { id: wallet.walletId.value },
+      });
+
+      if (!updated) {
+        throw new Error(`Wallet ${wallet.walletId.value} not found after update`);
+      }
+
       return this.toDomain(updated);
     }
   }
@@ -120,6 +162,7 @@ export class WalletAccountRepositoryImpl implements IWalletAccountRepository {
     expiredTotalHashpower: Decimal;
     status: string;
     hasPlanted: boolean;
+    version: number;
     createdAt: Date;
     updatedAt: Date;
   }): WalletAccount {
@@ -149,6 +192,7 @@ export class WalletAccountRepositoryImpl implements IWalletAccountRepository {
       expiredTotalHashpower: new Decimal(record.expiredTotalHashpower.toString()),
       status: record.status,
       hasPlanted: record.hasPlanted,
+      version: record.version,
       createdAt: record.createdAt,
       updatedAt: record.updatedAt,
     });