diff --git a/.claude/settings.local.json b/.claude/settings.local.json
index 0d73ed7b..900fd673 100644
--- a/.claude/settings.local.json
+++ b/.claude/settings.local.json
@@ -592,7 +592,11 @@
       "Bash(git commit -m \"$\\(cat <<''EOF''\nfeat\\(mobile-app\\): 添加待办操作轮询机制\n\n解决老版本 App 升级后不重启导致无法激活待办事项的问题。\n\n- 新增 PendingActionPollingService 定时轮询服务（每4秒检查）\n- App启动时无待办则启动轮询，有待办则直接进入待办页面\n- 轮询检测到待办后自动停止并跳转，防止重入问题\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")",
       "Bash(git commit -m \"$\\(cat <<''EOF''\nfeat\\(mobile-app\\): 用户资料页添加\"同伴认种\"标题和快捷标签\n\n- 在统计卡片上方添加\"同伴认种\"标题（紫色）\n- 在统计卡片下方添加\"引荐\"、\"同伴\"、\"本人\"快捷标签\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")",
       "Bash(git commit -m \"$\\(cat <<''EOF''\nfix\\(mobile-app\\): 用户资料页术语修改\n\n- 直推 → 引荐\n- 伞下 → 同伴\n- 个人认种 → 本人认种\n- 团队认种 → 同伴认种\n- 推荐人 → 引荐人\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")",
-      "Bash(git commit -m \"$\\(cat <<''EOF''\nfix\\(mobile-app\\): 已结算数据改为从流水统计API获取\n\n- 从 wallet-service 的 getLedgerStatistics\\(\\) 获取 REWARD_SETTLED 类型的总金额\n- 与流水明细中的结算记录统计来自同一数据源，确保数据一致性\n- 添加调试日志对比 summary 和流水统计的数据\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")"
+      "Bash(git commit -m \"$\\(cat <<''EOF''\nfix\\(mobile-app\\): 已结算数据改为从流水统计API获取\n\n- 从 wallet-service 的 getLedgerStatistics\\(\\) 获取 REWARD_SETTLED 类型的总金额\n- 与流水明细中的结算记录统计来自同一数据源，确保数据一致性\n- 添加调试日志对比 summary 和流水统计的数据\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")",
+      "Bash(git commit -m \"$\\(cat <<''EOF''\nfix\\(authorization\\): 火柴人排名过滤已撤销授权的考核记录\n\n- findRankingsByMonthAndRegion 和 findRankingsByMonthAndRoleType 增加过滤条件\n- 排除 authorization.status = ''REVOKED'' 的记录\n- 解决同一用户因有多条授权记录（含已撤销）而重复显示的问题\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")",
+      "Bash(git commit -m \"$\\(cat <<''EOF''\nfix\\(reward-service\\): 修复 WalletServiceClient 未正确解析 wallet-service 响应格式的 Bug\n\n问题原因:\nwallet-service 使用全局 TransformInterceptor 拦截器，会将所有响应包装成:\n{ success: true, data: { success: boolean, ... }, timestamp: \"...\" }\n\n原代码直接读取外层的 success 字段（始终为 true），导致即使业务失败\n（内层 data.success = false）也被误判为成功。\n\n具体案例:\n用户 D25122700024 点击结算时，wallet-service 因余额不足返回:\n{ success: true, data: { success: false, error: \"Insufficient...\" }, ... }\nreward-service 误读为成功，导致奖励被标记为 SETTLED 但钱包余额未变更。\n\n修复内容:\n1. settleToBalance: 解析 response_data.data 获取真实业务结果\n2. confirmPlantingDeduction: 同上\n3. allocateFunds: 同上\n\n所有方法现在会:\n- 使用 response_data.data || response_data 兼容包装和非包装格式\n- 严格检查 data.success !== true 来判断业务是否成功\n- 失败时记录详细错误日志\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")",
+      "Bash(git commit -m \"$\\(cat <<''EOF''\nfix\\(wallet-service\\): 统一奖励分配到 settleable_usdt，与 reward-service 保持一致\n\n问题原因:\nwallet-service 对不同类型奖励的分配方式不一致:\n- SHARE_RIGHT: 正确使用 addSettleableReward\\(\\) → settleable_usdt\n- CITY_TEAM_RIGHT/COMMUNITY_RIGHT: 错误使用 addAvailableBalance\\(\\) → usdt_available\n\n这导致 reward-service 记录的 SETTLEABLE 奖励总额与 wallet-service 的\nsettleable_usdt 字段不匹配。用户 D25122700024 的案例中:\n- reward-service: 3条奖励共 4464 USDT \\(SHARE_RIGHT 3600 + CITY_TEAM_RIGHT 288 + COMMUNITY_RIGHT 576\\)\n- wallet-service: settleable_usdt = 3600 \\(仅 SHARE_RIGHT\\)\n差额 864 USDT 被错误地放入了 usdt_available\n\n修复内容:\n1. allocateCommunityRight: 改用 addSettleableReward\\(\\) 替代 addAvailableBalance\\(\\)\n2. allocateToRegionAccount: 改用 addSettleableReward\\(\\) 替代 addAvailableBalance\\(\\)\n3. 流水类型统一使用 REWARD_TO_SETTLEABLE 替代 SYSTEM_ALLOCATION\n4. 日志和备注更新以反映新的分配方式\n\n设计原则:\n- reward-service 是奖励的权威来源\n- wallet-service 应跟随 reward-service 的设计\n- 所有奖励都应进入 settleable_usdt，用户主动结算后才转入 usdt_available\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")",
+      "Bash(ls \"c:\\\\Users\\\\dong\\\\Desktop\\\\rwadurian\\\\backend\\\\services\\\\reward-service\\\\prisma\"\" 2>/dev/null || dir \"c:UsersdongDesktoprwadurianbackendservicesreward-serviceprisma\"\")"
     ],
     "deny": [],
     "ask": []
diff --git a/backend/services/wallet-service/prisma/schema.prisma b/backend/services/wallet-service/prisma/schema.prisma
index fa9b3a32..0ed0efb8 100644
--- a/backend/services/wallet-service/prisma/schema.prisma
+++ b/backend/services/wallet-service/prisma/schema.prisma
@@ -96,8 +96,8 @@ model LedgerEntry {
   refOrderId String? @map("ref_order_id") @db.VarChar(100)
   refTxHash  String? @map("ref_tx_hash") @db.VarChar(100)
 
-  // 备注
-  memo String? @map("memo") @db.VarChar(500)
+  // 备注 (使用 Text 类型，无长度限制)
+  memo String? @map("memo") @db.Text
 
   // 扩展数据
   payloadJson Json? @map("payload_json")
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 854d823c..85c4d397 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
@@ -909,42 +909,74 @@ export class WalletApplicationService {
   }> {
     this.logger.log(`Settling ${params.usdtAmount} USDT to balance for ${params.accountSequence}`);
 
+    // 生成结算ID
+    const settlementId = `STL_${Date.now()}_${Math.random().toString(36).substr(2, 9)}`;
+    let balanceAfter = 0;
+    let userId: bigint = BigInt(0);
+
     try {
-      // 1. 查找钱包
-      const wallet = await this.walletRepo.findByAccountSequence(params.accountSequence);
-      if (!wallet) {
-        throw new WalletNotFoundError(`accountSequence: ${params.accountSequence}`);
-      }
+      // 使用事务确保账户余额更新和流水记录的原子性
+      await this.prisma.$transaction(async (tx) => {
+        // 1. 查找钱包
+        const walletRecord = await tx.walletAccount.findUnique({
+          where: { accountSequence: params.accountSequence },
+        });
+        if (!walletRecord) {
+          throw new WalletNotFoundError(`accountSequence: ${params.accountSequence}`);
+        }
 
-      const usdtAmount = Money.USDT(params.usdtAmount);
-      const userId = wallet.userId.value;
+        userId = walletRecord.userId;
+        const Decimal = (await import('decimal.js')).default;
+        const usdtAmountDecimal = new Decimal(params.usdtAmount);
+        const currentSettleable = new Decimal(walletRecord.settleableUsdt.toString());
+        const currentAvailable = new Decimal(walletRecord.usdtAvailable.toString());
+        const currentSettledTotal = new Decimal(walletRecord.settledTotalUsdt.toString());
 
-      // 2. 生成结算ID
-      const settlementId = `STL_${Date.now()}_${Math.random().toString(36).substr(2, 9)}`;
+        // 2. 验证可结算余额足够
+        if (currentSettleable.lessThan(usdtAmountDecimal)) {
+          throw new Error(`Insufficient settleable balance: ${currentSettleable} < ${usdtAmountDecimal}`);
+        }
 
-      // 3. 执行钱包结算
-      wallet.settleToBalance(usdtAmount, settlementId);
-      await this.walletRepo.save(wallet);
+        // 3. 计算新余额
+        const newSettleable = currentSettleable.minus(usdtAmountDecimal);
+        const newAvailable = currentAvailable.plus(usdtAmountDecimal);
+        const newSettledTotal = currentSettledTotal.plus(usdtAmountDecimal);
+        balanceAfter = newAvailable.toNumber();
 
-      // 4. 记录账本流水（含详细来源信息）
-      const ledgerEntry = LedgerEntry.create({
-        accountSequence: wallet.accountSequence,
-        userId: UserId.create(userId),
-        entryType: LedgerEntryType.REWARD_SETTLED,
-        amount: usdtAmount,
-        balanceAfter: wallet.balances.usdt.available,
-        refOrderId: settlementId,
-        memo: params.memo || `结算 ${params.usdtAmount} 绿积分到钱包余额`,
-        payloadJson: {
-          settlementType: 'SETTLE_TO_BALANCE',
-          rewardEntryIds: params.rewardEntryIds,
-          rewardCount: params.rewardEntryIds.length,
-          breakdown: params.breakdown,
-        },
+        // 4. 更新钱包账户（在事务内）
+        await tx.walletAccount.update({
+          where: { accountSequence: params.accountSequence },
+          data: {
+            settleableUsdt: newSettleable.toFixed(8),
+            usdtAvailable: newAvailable.toFixed(8),
+            settledTotalUsdt: newSettledTotal.toFixed(8),
+            updatedAt: new Date(),
+          },
+        });
+
+        // 5. 创建流水记录（在事务内）
+        await tx.ledgerEntry.create({
+          data: {
+            accountSequence: params.accountSequence,
+            userId: walletRecord.userId,
+            entryType: LedgerEntryType.REWARD_SETTLED,
+            amount: usdtAmountDecimal.toFixed(8),
+            assetType: 'USDT',
+            balanceAfter: newAvailable.toFixed(8),
+            refOrderId: settlementId,
+            memo: params.memo || `结算 ${params.usdtAmount} 绿积分到钱包余额`,
+            payloadJson: {
+              settlementType: 'SETTLE_TO_BALANCE',
+              rewardEntryIds: params.rewardEntryIds,
+              rewardCount: params.rewardEntryIds.length,
+              breakdown: params.breakdown,
+            },
+            createdAt: new Date(),
+          },
+        });
       });
-      await this.ledgerRepo.save(ledgerEntry);
 
-      // 5. 使缓存失效
+      // 6. 使缓存失效（在事务外，事务成功后执行）
       await this.walletCacheService.invalidateWallet(userId);
 
       this.logger.log(`Successfully settled ${params.usdtAmount} USDT to balance for ${params.accountSequence}`);
@@ -953,7 +985,7 @@ export class WalletApplicationService {
         success: true,
         settlementId,
         settledAmount: params.usdtAmount,
-        balanceAfter: wallet.balances.usdt.available.value,
+        balanceAfter,
       };
     } catch (error) {
       this.logger.error(`Failed to settle to balance for ${params.accountSequence}: ${error.message}`);