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 b70c6e32..8d68de25 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
@@ -949,17 +949,26 @@ export class WalletApplicationService {
         const newSettledTotal = currentSettledTotal.plus(usdtAmountDecimal);
         balanceAfter = newAvailable.toNumber();
 
-        // 5. 更新钱包账户（在事务内）
-        await tx.walletAccount.update({
-          where: { accountSequence: params.accountSequence },
+        // 5. 更新钱包账户（在事务内，使用乐观锁）
+        const currentVersion = walletRecord.version;
+        const updateResult = await tx.walletAccount.updateMany({
+          where: {
+            accountSequence: params.accountSequence,
+            version: currentVersion, // 乐观锁：只有版本匹配才更新
+          },
           data: {
             settleableUsdt: newSettleable.toFixed(8),
             usdtAvailable: newAvailable.toFixed(8),
             settledTotalUsdt: newSettledTotal.toFixed(8),
+            version: currentVersion + 1,
             updatedAt: new Date(),
           },
         });
 
+        if (updateResult.count === 0) {
+          throw new Error(`Optimistic lock conflict for wallet ${params.accountSequence}`);
+        }
+
         // 6. 创建流水记录（在事务内）
         await tx.ledgerEntry.create({
           data: {