diff --git a/frontend/mobile-app/lib/core/services/account_service.dart b/frontend/mobile-app/lib/core/services/account_service.dart
index ae370f1d..84f3c01c 100644
--- a/frontend/mobile-app/lib/core/services/account_service.dart
+++ b/frontend/mobile-app/lib/core/services/account_service.dart
@@ -2109,7 +2109,7 @@ class AccountService {
   ///
   /// [password] 用户输入的密码明文
   ///
-  /// 后端响应格式：{ "valid": true/false }
+  /// 后端响应格式（经 TransformInterceptor 包装）：{ "success": true, "data": { "valid": true/false } }
   /// - 返回 true：密码正确
   /// - 返回 false：密码错误（valid=false）
   /// - 抛出异常：网络/系统错误（ApiException 或其他）
@@ -2120,7 +2120,7 @@ class AccountService {
         '/user/verify-password',
         data: {'password': password},
       );
-      final valid = response.data['valid'] == true;
+      final valid = response.data['data']['valid'] == true;
       debugPrint('$_tag verifyLoginPassword() - 验证结果: $valid');
       return valid;
     } on ApiException catch (e) {
@@ -2196,7 +2196,7 @@ class AccountService {
 
   /// 验证支付密码 (POST /user/verify-payment-password)
   ///
-  /// 后端响应格式：{ "valid": true/false }
+  /// 后端响应格式（经 TransformInterceptor 包装）：{ "success": true, "data": { "valid": true/false } }
   /// - 返回 true：密码正确
   /// - 返回 false：密码错误
   /// - 抛出异常：未设置支付密码或网络错误
@@ -2207,7 +2207,7 @@ class AccountService {
         '/user/verify-payment-password',
         data: {'password': password},
       );
-      final valid = response.data['valid'] == true;
+      final valid = response.data['data']['valid'] == true;
       debugPrint('$_tag verifyPaymentPassword() - 验证结果: $valid');
       return valid;
     } on ApiException catch (e) {