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 795f0423..854d823c 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
@@ -1198,19 +1198,21 @@ export class WalletApplicationService {
     }
 
     const amount = Money.USDT(allocation.amount);
-    wallet.addAvailableBalance(amount);
+    // 所有奖励都应该进入可结算余额 (settleable_usdt)，与 reward-service 保持一致
+    // 用户需要主动点击"结算"才能将 settleable_usdt 转入 usdt_available
+    wallet.addSettleableReward(amount, Hashpower.create(0));
     await this.walletRepo.save(wallet);
 
-    // 记录流水
+    // 记录流水 - 使用 REWARD_TO_SETTLEABLE 类型，与 SHARE_RIGHT 保持一致
     const ledgerEntry = LedgerEntry.create({
       accountSequence: wallet.accountSequence,
       userId: wallet.userId,
-      entryType: LedgerEntryType.SYSTEM_ALLOCATION,
+      entryType: LedgerEntryType.REWARD_TO_SETTLEABLE,
       amount,
       refOrderId: orderId,
       memo: isUserAccount
-        ? `${allocation.allocationType} - community authorization allocation`
-        : `${allocation.allocationType} - headquarters community allocation`,
+        ? `${allocation.allocationType} - community authorization allocation (settleable)`
+        : `${allocation.allocationType} - headquarters community allocation (settleable)`,
       payloadJson: {
         allocationType: allocation.allocationType,
         metadata: allocation.metadata,
@@ -1221,7 +1223,7 @@ export class WalletApplicationService {
     await this.walletCacheService.invalidateWallet(wallet.userId.value);
 
     this.logger.debug(
-      `Allocated ${allocation.amount} USDT to ${isUserAccount ? 'community user' : 'headquarters'} ${wallet.accountSequence} for ${allocation.allocationType}`,
+      `Allocated ${allocation.amount} USDT to ${isUserAccount ? 'community user' : 'headquarters'} ${wallet.accountSequence} for ${allocation.allocationType} (settleable)`,
     );
   }
 
@@ -1260,17 +1262,19 @@ export class WalletApplicationService {
     }
 
     const amount = Money.USDT(allocation.amount);
-    wallet.addAvailableBalance(amount);
+    // 所有奖励都应该进入可结算余额 (settleable_usdt)，与 reward-service 保持一致
+    // 用户需要主动点击"结算"才能将 settleable_usdt 转入 usdt_available
+    wallet.addSettleableReward(amount, Hashpower.create(0));
     await this.walletRepo.save(wallet);
 
-    // 记录流水
+    // 记录流水 - 使用 REWARD_TO_SETTLEABLE 类型，与 SHARE_RIGHT 保持一致
     const ledgerEntry = LedgerEntry.create({
       accountSequence: wallet.accountSequence,
       userId: wallet.userId,
-      entryType: LedgerEntryType.SYSTEM_ALLOCATION,
+      entryType: LedgerEntryType.REWARD_TO_SETTLEABLE,
       amount,
       refOrderId: orderId,
-      memo: `${allocation.allocationType} - region account allocation`,
+      memo: `${allocation.allocationType} - region account allocation (settleable)`,
       payloadJson: {
         allocationType: allocation.allocationType,
         metadata: allocation.metadata,
@@ -1281,7 +1285,7 @@ export class WalletApplicationService {
     await this.walletCacheService.invalidateWallet(wallet.userId.value);
 
     this.logger.debug(
-      `Allocated ${allocation.amount} USDT to region account ${targetId} for ${allocation.allocationType} (direct)`,
+      `Allocated ${allocation.amount} USDT to region account ${targetId} for ${allocation.allocationType} (settleable)`,
     );
   }