diff --git a/backend/services/planting-service/src/infrastructure/external/wallet-service.client.ts b/backend/services/planting-service/src/infrastructure/external/wallet-service.client.ts
index b09e9027..c2698fcc 100644
--- a/backend/services/planting-service/src/infrastructure/external/wallet-service.client.ts
+++ b/backend/services/planting-service/src/infrastructure/external/wallet-service.client.ts
@@ -406,6 +406,50 @@ export class WalletServiceClient {
     }
   }
 
+  /**
+   * [2026-03-01] 预种购买后触发待领取→可结算转换
+   *
+   * 调用 wallet-service 内部 API，将用户标记为 hasPlanted=true，
+   * 并结算所有 PENDING 奖励为 SETTLED。
+   * 幂等：重复调用安全，不会重复结算。
+   */
+  async settleAfterPrePlanting(accountSequence: string): Promise<{
+    markedAsPlanted: boolean;
+    settledCount: number;
+    totalUsdt: number;
+    totalHashpower: number;
+  }> {
+    try {
+      return await this.withRetry(
+        `settleAfterPrePlanting(${accountSequence})`,
+        async () => {
+          const response = await firstValueFrom(
+            this.httpService.post<{
+              markedAsPlanted: boolean;
+              settledCount: number;
+              totalUsdt: number;
+              totalHashpower: number;
+            }>(
+              `${this.baseUrl}/api/v1/wallets/settle-after-pre-planting`,
+              { accountSequence },
+            ),
+          );
+          return response.data;
+        },
+      );
+    } catch (error) {
+      this.logger.error(
+        `Failed to settle after pre-planting for ${accountSequence}`,
+        error,
+      );
+      if (this.configService.get('NODE_ENV') === 'development') {
+        this.logger.warn('Development mode: simulating successful settle-after-pre-planting');
+        return { markedAsPlanted: false, settledCount: 0, totalUsdt: 0, totalHashpower: 0 };
+      }
+      throw error;
+    }
+  }
+
   /**
    * 注入底池
    */
diff --git a/backend/services/planting-service/src/pre-planting/application/services/pre-planting-application.service.ts b/backend/services/planting-service/src/pre-planting/application/services/pre-planting-application.service.ts
index 84df442c..3037ca4d 100644
--- a/backend/services/planting-service/src/pre-planting/application/services/pre-planting-application.service.ts
+++ b/backend/services/planting-service/src/pre-planting/application/services/pre-planting-application.service.ts
@@ -182,6 +182,25 @@ export class PrePlantingApplicationService {
         provinceCode,
         cityCode,
       );
+
+      // [2026-03-01] 预种购买后触发待领取→可结算转换
+      // 将用户标记为 hasPlanted=true，并结算所有 PENDING 奖励
+      // 幂等：重复调用安全。失败不阻塞购买流程（奖励仍在 PENDING，不会丢失）
+      try {
+        const settleResult = await this.walletClient.settleAfterPrePlanting(accountSequence);
+        this.logger.log(
+          `[PRE-PLANTING] Settle after purchase: order=${orderNo}, ` +
+          `markedAsPlanted=${settleResult.markedAsPlanted}, ` +
+          `settled=${settleResult.settledCount} rewards, usdt=${settleResult.totalUsdt}`,
+        );
+      } catch (settleError) {
+        // 结算失败不影响购买结果，奖励仍在 PENDING 状态，用户可后续手动领取
+        this.logger.error(
+          `[PRE-PLANTING] Failed to settle after purchase for order ${orderNo}, ` +
+          `accountSequence=${accountSequence}. Rewards remain in PENDING status.`,
+          settleError,
+        );
+      }
     } catch (error) {
       // 事务失败，解冻余额
       this.logger.error(
diff --git a/backend/services/wallet-service/src/api/controllers/internal-wallet.controller.ts b/backend/services/wallet-service/src/api/controllers/internal-wallet.controller.ts
index f4327056..4c66dcdc 100644
--- a/backend/services/wallet-service/src/api/controllers/internal-wallet.controller.ts
+++ b/backend/services/wallet-service/src/api/controllers/internal-wallet.controller.ts
@@ -137,6 +137,30 @@ export class InternalWalletController {
     return { success };
   }
 
+  /**
+   * [2026-03-01] 预种购买后触发待领取→可结算转换（内部API）
+   *
+   * planting-service 在用户购买预种份额后调用此端点：
+   * 1. markUserAsPlanted(accountSequence) — 设置 hasPlanted=true
+   * 2. settleUserPendingRewards(accountSequence) — 结算所有 PENDING 奖励
+   * 两步均幂等，重复调用安全。
+   */
+  @Post('settle-after-pre-planting')
+  @Public()
+  @ApiOperation({ summary: '预种购买后结算待领取奖励(内部API) - 幂等' })
+  @ApiResponse({ status: 200, description: '结算结果' })
+  async settleAfterPrePlanting(
+    @Body() dto: { accountSequence: string },
+  ) {
+    this.logger.log(`========== settle-after-pre-planting 请求 ==========`);
+    this.logger.log(`accountSequence: ${dto.accountSequence}`);
+
+    const result = await this.walletService.settleAfterPrePlanting(dto.accountSequence);
+
+    this.logger.log(`预种结算结果: ${JSON.stringify(result)}`);
+    return result;
+  }
+
   @Post('allocate-funds')
   @Public()
   @ApiOperation({ summary: '资金分配(内部API)' })
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 2abda856..64f3c26e 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
@@ -2490,6 +2490,44 @@ export class WalletApplicationService {
     this.logger.log(`[markUserAsPlanted] User ${accountSequence} marked as planted`);
   }
 
+  /**
+   * [2026-03-01] 预种购买后触发待领取→可结算转换
+   *
+   * 用户购买预种份额后，planting-service 调用此方法，
+   * 将该用户标记为 hasPlanted=true，并结算所有 PENDING 奖励为 SETTLED。
+   * 内部复用已有幂等方法：markUserAsPlanted + settleUserPendingRewards。
+   */
+  async settleAfterPrePlanting(accountSequence: string): Promise<{
+    markedAsPlanted: boolean;
+    settledCount: number;
+    totalUsdt: number;
+    totalHashpower: number;
+  }> {
+    this.logger.log(`[settleAfterPrePlanting] Processing for ${accountSequence}`);
+
+    // Step 1: 标记为已认种（幂等）
+    const walletBefore = await this.walletRepo.findByAccountSequence(accountSequence);
+    const wasAlreadyPlanted = walletBefore?.hasPlanted ?? false;
+
+    await this.markUserAsPlanted(accountSequence);
+
+    // Step 2: 结算所有 PENDING 奖励（幂等）
+    const settleResult = await this.settleUserPendingRewards(accountSequence);
+
+    this.logger.log(
+      `[settleAfterPrePlanting] Done for ${accountSequence}: ` +
+      `wasAlreadyPlanted=${wasAlreadyPlanted}, settled=${settleResult.settledCount} rewards, ` +
+      `usdt=${settleResult.totalUsdt}, hashpower=${settleResult.totalHashpower}`,
+    );
+
+    return {
+      markedAsPlanted: !wasAlreadyPlanted,
+      settledCount: settleResult.settledCount,
+      totalUsdt: settleResult.totalUsdt,
+      totalHashpower: settleResult.totalHashpower,
+    };
+  }
+
   /**
    * 处理过期奖励
    * 定时任务调用，将已过期的 PENDING 奖励标记为 EXPIRED