diff --git a/frontend/mobile-app/lib/features/auth/presentation/pages/splash_page.dart b/frontend/mobile-app/lib/features/auth/presentation/pages/splash_page.dart
index fa6cdbb6..5fbfb918 100644
--- a/frontend/mobile-app/lib/features/auth/presentation/pages/splash_page.dart
+++ b/frontend/mobile-app/lib/features/auth/presentation/pages/splash_page.dart
@@ -3,6 +3,7 @@ import 'package:flutter_riverpod/flutter_riverpod.dart';
 import 'package:go_router/go_router.dart';
 import '../../../../core/constants/app_constants.dart';
 import '../../../../routes/route_paths.dart';
+import '../../../../routes/app_router.dart';
 import '../../../../bootstrap.dart';
 import '../providers/auth_provider.dart';
 
@@ -38,20 +39,38 @@ class _SplashPageState extends ConsumerState<SplashPage> {
     final authState = ref.read(authProvider);
 
     // 根据认证状态决定跳转目标
-    String targetRoute;
+    // 优先级：
+    // 1. 钱包已创建且已备份 → 主页面
+    // 2. 账号已创建但钱包未完成 → 备份助记词页面
+    // 3. 首次打开或未看过向导 → 向导页
+    // 4. 其他情况 → 创建账户页面
     if (authState.isWalletCreated) {
-      // 已创建钱包，进入主页面（龙虎榜）
-      targetRoute = RoutePaths.ranking;
+      // 已创建钱包且已备份，进入主页面（龙虎榜）
+      debugPrint('[SplashPage] 钱包已创建且已备份 → 跳转到龙虎榜');
+      context.go(RoutePaths.ranking);
+    } else if (authState.isAccountCreated && authState.userSerialNum != null) {
+      // 账号已创建但钱包未完成（可能正在生成或未备份），直接进入备份助记词页面
+      debugPrint('[SplashPage] 账号已创建但钱包未完成 → 跳转到备份助记词页面');
+      debugPrint('[SplashPage] userSerialNum: ${authState.userSerialNum}, isWalletReady: ${authState.isWalletReady}');
+      context.go(
+        RoutePaths.backupMnemonic,
+        extra: BackupMnemonicParams(
+          userSerialNum: authState.userSerialNum!,
+          referralCode: authState.referralCode,
+        ),
+      );
     } else if (authState.isFirstLaunch || !authState.hasSeenGuide) {
       // 首次打开或未看过向导，进入向导页
-      targetRoute = RoutePaths.guide;
+      debugPrint('[SplashPage] 首次打开或未看过向导 → 跳转到向导页');
+      context.go(RoutePaths.guide);
     } else {
       // 已看过向导但未创建钱包，直接进入创建账户页面
-      targetRoute = RoutePaths.onboarding;
+      debugPrint('[SplashPage] 已看过向导但未创建钱包 → 跳转到创建账户页面');
+      context.go(RoutePaths.onboarding);
     }
 
-    // 跳转到目标页面
-    context.go(targetRoute);
+    // 获取目标路由用于后续检查
+    final targetRoute = authState.isWalletCreated ? RoutePaths.ranking : null;
 
     // 延迟检查应用更新（跳转后执行，避免阻塞启动）
     if (targetRoute == RoutePaths.ranking) {
diff --git a/frontend/mobile-app/lib/features/auth/presentation/providers/auth_provider.dart b/frontend/mobile-app/lib/features/auth/presentation/providers/auth_provider.dart
index 9dda7896..434a99f9 100644
--- a/frontend/mobile-app/lib/features/auth/presentation/providers/auth_provider.dart
+++ b/frontend/mobile-app/lib/features/auth/presentation/providers/auth_provider.dart
@@ -17,6 +17,14 @@ class AuthState {
   final bool isFirstLaunch;
   final bool hasSeenGuide;
   final String? errorMessage;
+  // 新增：账号是否已创建（但钱包可能还未就绪）
+  final bool isAccountCreated;
+  // 新增：钱包是否已就绪
+  final bool isWalletReady;
+  // 新增：用户序列号（用于跳转到备份助记词页面）
+  final int? userSerialNum;
+  // 新增：推荐码
+  final String? referralCode;
 
   const AuthState({
     this.status = AuthStatus.initial,
@@ -25,6 +33,10 @@ class AuthState {
     this.isFirstLaunch = true,
     this.hasSeenGuide = false,
     this.errorMessage,
+    this.isAccountCreated = false,
+    this.isWalletReady = false,
+    this.userSerialNum,
+    this.referralCode,
   });
 
   AuthState copyWith({
@@ -34,6 +46,10 @@ class AuthState {
     bool? isFirstLaunch,
     bool? hasSeenGuide,
     String? errorMessage,
+    bool? isAccountCreated,
+    bool? isWalletReady,
+    int? userSerialNum,
+    String? referralCode,
   }) {
     return AuthState(
       status: status ?? this.status,
@@ -42,6 +58,10 @@ class AuthState {
       isFirstLaunch: isFirstLaunch ?? this.isFirstLaunch,
       hasSeenGuide: hasSeenGuide ?? this.hasSeenGuide,
       errorMessage: errorMessage,
+      isAccountCreated: isAccountCreated ?? this.isAccountCreated,
+      isWalletReady: isWalletReady ?? this.isWalletReady,
+      userSerialNum: userSerialNum ?? this.userSerialNum,
+      referralCode: referralCode ?? this.referralCode,
     );
   }
 }
@@ -59,22 +79,64 @@ class AuthNotifier extends StateNotifier<AuthState> {
       final isFirstLaunchStr = await _secureStorage.read(key: StorageKeys.isFirstLaunch);
       final isFirstLaunch = isFirstLaunchStr == null || isFirstLaunchStr != 'false';
 
-      // 检查钱包状态
+      // 检查账号是否已创建
+      final isAccountCreatedStr = await _secureStorage.read(key: StorageKeys.isAccountCreated);
+      final isAccountCreated = isAccountCreatedStr == 'true';
+
+      // 检查钱包是否已就绪
+      final isWalletReadyStr = await _secureStorage.read(key: StorageKeys.isWalletReady);
+      final isWalletReady = isWalletReadyStr == 'true';
+
+      // 检查助记词是否已备份
+      final isMnemonicBackedUpStr = await _secureStorage.read(key: StorageKeys.isMnemonicBackedUp);
+      final isMnemonicBackedUp = isMnemonicBackedUpStr == 'true';
+
+      // 获取用户序列号和推荐码（用于跳转到备份页面）
+      final userSerialNumStr = await _secureStorage.read(key: StorageKeys.userSerialNum);
+      final userSerialNum = userSerialNumStr != null ? int.tryParse(userSerialNumStr) : null;
+      final referralCode = await _secureStorage.read(key: StorageKeys.referralCode);
+
+      // 旧版兼容：检查旧的 walletAddress 字段
       final walletAddress = await _secureStorage.read(key: StorageKeys.walletAddress);
-      final isWalletCreated = walletAddress != null && walletAddress.isNotEmpty;
+      final hasLegacyWallet = walletAddress != null && walletAddress.isNotEmpty;
+
+      // 综合判断钱包是否已创建完成
+      // 1. 新版：isWalletReady == true 且 isMnemonicBackedUp == true
+      // 2. 旧版兼容：有 walletAddress
+      final isWalletCreated = (isWalletReady && isMnemonicBackedUp) || hasLegacyWallet;
 
       if (isWalletCreated) {
+        // 钱包已创建且备份完成，进入主页面
         state = state.copyWith(
           status: AuthStatus.authenticated,
           walletAddress: walletAddress,
           isWalletCreated: true,
+          isAccountCreated: true,
+          isWalletReady: true,
           isFirstLaunch: false,
           hasSeenGuide: true,
+          userSerialNum: userSerialNum,
+          referralCode: referralCode,
         );
-      } else {
+      } else if (isAccountCreated) {
+        // 账号已创建但钱包未完成（可能正在生成或未备份）
         state = state.copyWith(
           status: AuthStatus.unauthenticated,
           isWalletCreated: false,
+          isAccountCreated: true,
+          isWalletReady: isWalletReady,
+          isFirstLaunch: false,
+          hasSeenGuide: true,
+          userSerialNum: userSerialNum,
+          referralCode: referralCode,
+        );
+      } else {
+        // 账号未创建
+        state = state.copyWith(
+          status: AuthStatus.unauthenticated,
+          isWalletCreated: false,
+          isAccountCreated: false,
+          isWalletReady: false,
           isFirstLaunch: isFirstLaunch,
           hasSeenGuide: !isFirstLaunch,
         );