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 d94adf60..bd4b8399 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
@@ -980,7 +980,7 @@ export class WalletApplicationService {
    * 分配规则：
    * - SHARE_RIGHT (分享权益): 写入 pending_rewards 表，24小时待领取
    * - PROVINCE_TEAM_RIGHT, PROVINCE_AREA_RIGHT, CITY_TEAM_RIGHT, CITY_AREA_RIGHT: 直接到账
-   * - COMMUNITY_RIGHT (社区权益): 进入总部社区账户 S0000000001，直接到账
+   * - COMMUNITY_RIGHT (社区权益): 根据 targetId 分配（用户账户或总部）
    */
   private async allocateToUserWallet(
     allocation: FundAllocationItem,
@@ -989,9 +989,17 @@ export class WalletApplicationService {
     const amount = Money.USDT(allocation.amount);
     const allocationType = allocation.allocationType;
 
-    // 社区权益直接进入总部社区账户 S0000000001
+    // 社区权益：根据 targetId 判断分配目标
+    // - targetId 为 '1' 或 'S0000000001' 时进入总部社区账户
+    // - targetId 为用户账户（D开头）时进入该用户账户
     if (allocationType === 'COMMUNITY_RIGHT') {
-      await this.allocateToHeadquartersCommunity(allocation, orderId);
+      const targetId = allocation.targetId;
+      if (targetId === '1' || targetId === 'S0000000001') {
+        await this.allocateToHeadquartersCommunity(allocation, orderId);
+      } else {
+        // 分配到具体用户的社区权益
+        await this.allocateCommunityRightToUser(allocation, orderId);
+      }
       return;
     }
 
@@ -1081,6 +1089,49 @@ export class WalletApplicationService {
     }
   }
 
+  /**
+   * 社区权益分配给具体用户（社区授权达标后）
+   * 直接进入用户的可结算余额
+   */
+  private async allocateCommunityRightToUser(
+    allocation: FundAllocationItem,
+    orderId: string,
+  ): Promise<void> {
+    const targetId = allocation.targetId;
+    const wallet = await this.walletRepo.findByAccountSequence(targetId);
+    if (!wallet) {
+      this.logger.warn(`Failed to find wallet for community right allocation: ${targetId}`);
+      return;
+    }
+
+    const amount = Money.USDT(allocation.amount);
+
+    // 社区权益直接进入可结算余额（与分享权益的处理类似但不进 pending）
+    wallet.addSettleableReward(amount, Hashpower.create(0));
+    await this.walletRepo.save(wallet);
+
+    // 记录流水
+    const ledgerEntry = LedgerEntry.create({
+      accountSequence: wallet.accountSequence,
+      userId: wallet.userId,
+      entryType: LedgerEntryType.REWARD_TO_SETTLEABLE,
+      amount,
+      refOrderId: orderId,
+      memo: `${allocation.allocationType} allocation (direct settleable)`,
+      payloadJson: {
+        allocationType: allocation.allocationType,
+        metadata: allocation.metadata,
+      },
+    });
+    await this.ledgerRepo.save(ledgerEntry);
+
+    await this.walletCacheService.invalidateWallet(wallet.userId.value);
+
+    this.logger.debug(
+      `Allocated ${allocation.amount} USDT to user ${targetId} for ${allocation.allocationType} (community right)`,
+    );
+  }
+
   /**
    * 社区权益直接进入总部社区账户 S0000000001
    */