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 86be384d..57ae2961 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
@@ -7,7 +7,7 @@ import {
   IWithdrawalOrderRepository, WITHDRAWAL_ORDER_REPOSITORY,
   IPendingRewardRepository, PENDING_REWARD_REPOSITORY,
 } from '@/domain/repositories';
-import { LedgerEntry, DepositOrder, SettlementOrder, WithdrawalOrder, PendingRewardStatus } from '@/domain/aggregates';
+import { LedgerEntry, DepositOrder, SettlementOrder, WithdrawalOrder, PendingReward, PendingRewardStatus } from '@/domain/aggregates';
 import {
   UserId, Money, Hashpower, LedgerEntryType, AssetType, ChainType, SettleCurrency,
 } from '@/domain/value-objects';
@@ -617,7 +617,9 @@ export class WalletApplicationService {
 
   /**
    * 分配资金到用户钱包
-   * 支持用户账户 (D+日期+序号) 和系统账户 (S+序号, 9+省代码, 8+市代码)
+   * 支持用户账户 (D+日期+序号) 和系统账户 (S+序号, 7+省代码, 6+市代码, 9+省代码, 8+市代码)
+   *
+   * 新方案：使用 pending_rewards 表逐笔追踪待领取奖励
    */
   private async allocateToUserWallet(
     allocation: FundAllocationItem,
@@ -626,17 +628,16 @@ export class WalletApplicationService {
     // targetId 是 accountSequence
     // - 用户账户: D2512120001
     // - 固定系统账户: S0000000001 (userId: -1 to -100, 由migration seed创建)
+    // - 省团队账户: 7440000 (7 + provinceCode, userId = 7440000)
+    // - 市团队账户: 6440100 (6 + cityCode, userId = 6440100)
     // - 省区域账户: 9440000 (9 + provinceCode, userId = 9440000)
     // - 市区域账户: 8440100 (8 + cityCode, userId = 8440100)
 
     // 为系统账户生成 userId (用于数据库约束)
     let systemUserId = BigInt(0);
     const targetId = allocation.targetId;
-    if (targetId.startsWith('9')) {
-      // 省区域账户: 9440000 -> userId = 9440000 (动态创建)
-      systemUserId = BigInt(targetId);
-    } else if (targetId.startsWith('8')) {
-      // 市区域账户: 8440100 -> userId = 8440100 (动态创建)
+    if (targetId.startsWith('9') || targetId.startsWith('8') || targetId.startsWith('7') || targetId.startsWith('6')) {
+      // 区域/团队账户: 9440000, 8440100, 7440000, 6440100 -> userId = accountSequence
       systemUserId = BigInt(targetId);
     } else if (targetId.startsWith('S')) {
       // 固定系统账户: S0000000001 -> userId = -1 (负数，由seed创建，直接查找)
@@ -644,7 +645,7 @@ export class WalletApplicationService {
       systemUserId = BigInt(-parseInt(numPart, 10));
     }
 
-    // 使用 getOrCreate 自动创建不存在的账户（仅用于省/市区域账户的动态创建）
+    // 使用 getOrCreate 自动创建不存在的账户（仅用于区域/团队账户的动态创建）
     // 固定系统账户(S开头)应该已由migration seed创建
     const wallet = await this.walletRepo.getOrCreate(targetId, systemUserId);
     if (!wallet) {
@@ -654,21 +655,24 @@ export class WalletApplicationService {
 
     const amount = Money.USDT(allocation.amount);
 
-    // 添加待领取奖励（24小时后过期）
+    // 添加待领取奖励（24小时后过期）- 写入 pending_rewards 表
     const expireAt = new Date(Date.now() + 24 * 60 * 60 * 1000);
 
-    wallet.addPendingReward(
-      amount,
-      Hashpower.create(0),
+    const pendingReward = PendingReward.create({
+      accountSequence: wallet.accountSequence,
+      userId: wallet.userId,
+      usdtAmount: amount,
+      hashpowerAmount: Hashpower.create(0),
+      sourceOrderId: orderId,
+      allocationType: allocation.allocationType,
       expireAt,
-      orderId,
-    );
-    await this.walletRepo.save(wallet);
+    });
+    await this.pendingRewardRepo.save(pendingReward);
 
     // 记录流水
     const ledgerEntry = LedgerEntry.create({
       accountSequence: wallet.accountSequence,
-      userId: wallet.userId,  // 从钱包获取 userId
+      userId: wallet.userId,
       entryType: LedgerEntryType.REWARD_PENDING,
       amount,
       refOrderId: orderId,