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 bfa53d83..8ac76f1b 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
@@ -801,39 +801,52 @@ class _ProfilePageState extends ConsumerState<ProfilePage> {
 
       // [2026-03-01] 合并预种可结算奖励到列表中
       // pre-planting/my-rewards 返回所有分配记录（不区分状态），
-      // 但部分条目可能实际处于 PENDING 状态（用户未认种时）。
-      // 需要排除 PENDING 和 EXPIRED 状态的条目，只保留真正可结算的。
-      final pendingPplOrderIds = walletPendingRewards
-          .where((r) => r.isPrePlanting)
-          .map((r) => r.sourceOrderId)
-          .toSet();
-      final expiredPplOrderIds = expiredRewards
-          .where((r) => r.sourceOrderId.startsWith('PPL'))
-          .map((r) => r.sourceOrderId)
-          .toSet();
-      final excludedPplOrderIds = {...pendingPplOrderIds, ...expiredPplOrderIds};
-      final prePlantingSettleable = prePlantingRewards.settleableRewards
-          .where((r) => !excludedPplOrderIds.contains(r.sourceOrderNo))
-          .map((r) {
-            final srcAcct = r.sourceAccountSequence;
-            final memoSuffix = (srcAcct != null && srcAcct.isNotEmpty)
-                ? '：来自${srcAcct}的预种'
-                : '';
-            return SettleableRewardItem(
-                id: r.id,
-                rightType: r.rightType,
-                usdtAmount: r.usdtAmount,
-                hashpowerAmount: r.hashpowerAmount,
-                createdAt: r.createdAt,
-                claimedAt: null,
-                sourceOrderNo: r.sourceOrderNo,
-                sourceAccountSequence: r.sourceAccountSequence,
-                memo: '[预种] ${r.memo}$memoSuffix',
-            );
-          })
-          .toList();
+      // 需要排除 PENDING、EXPIRED 和已结算到余额的条目，只保留真正可结算的。
+      //
+      // 策略：以 wallet 的 settleableUsdt 为权威来源。
+      // 如果 settleableUsdt=0（已全部结算到余额），直接跳过，不显示任何预种可结算条目。
+      // 如果 settleableUsdt>0，排除 PENDING + EXPIRED 的条目后，
+      // 按金额截断，确保展示总额不超过 wallet 实际可结算金额。
+      final walletSettleableUsdt = walletInfo.rewards.settleableUsdt;
+      List<SettleableRewardItem> prePlantingSettleable = [];
+
+      if (walletSettleableUsdt > 0) {
+        final pendingPplOrderIds = walletPendingRewards
+            .where((r) => r.isPrePlanting)
+            .map((r) => r.sourceOrderId)
+            .toSet();
+        final expiredPplOrderIds = expiredRewards
+            .where((r) => r.sourceOrderId.startsWith('PPL'))
+            .map((r) => r.sourceOrderId)
+            .toSet();
+        final excludedPplOrderIds = {...pendingPplOrderIds, ...expiredPplOrderIds};
+
+        double accumulatedUsdt = 0;
+        for (final r in prePlantingRewards.settleableRewards) {
+          if (excludedPplOrderIds.contains(r.sourceOrderNo)) continue;
+          if (accumulatedUsdt + r.usdtAmount > walletSettleableUsdt + 0.01) break;
+          accumulatedUsdt += r.usdtAmount;
+
+          final srcAcct = r.sourceAccountSequence;
+          final memoSuffix = (srcAcct != null && srcAcct.isNotEmpty)
+              ? '：来自${srcAcct}的预种'
+              : '';
+          prePlantingSettleable.add(SettleableRewardItem(
+              id: r.id,
+              rightType: r.rightType,
+              usdtAmount: r.usdtAmount,
+              hashpowerAmount: r.hashpowerAmount,
+              createdAt: r.createdAt,
+              claimedAt: null,
+              sourceOrderNo: r.sourceOrderNo,
+              sourceAccountSequence: r.sourceAccountSequence,
+              memo: '[预种] ${r.memo}$memoSuffix',
+          ));
+        }
+      }
+
       settleableRewards = [...settleableRewards, ...prePlantingSettleable];
-      debugPrint('[ProfilePage] 预种可结算奖励: ${prePlantingSettleable.length} 条 (排除 ${pendingPplOrderIds.length} 条 PENDING, ${expiredPplOrderIds.length} 条 EXPIRED)');
+      debugPrint('[ProfilePage] 预种可结算奖励: ${prePlantingSettleable.length} 条 (walletSettleableUsdt=$walletSettleableUsdt)');
 
       // [2026-03-01] 合并预种待领取奖励到列表中
       // wallet-service 的 pending_rewards 表包含正常认种 + 预种的待领取记录，