diff --git a/.claude/settings.local.json b/.claude/settings.local.json
index a7120bcf..7eaceb38 100644
--- a/.claude/settings.local.json
+++ b/.claude/settings.local.json
@@ -636,7 +636,9 @@
       "Bash(dir /s /b *.yml)",
       "Bash(git commit -m \"$\\(cat <<''EOF''\nfeat\\(mobile-app\\): 添加联系客服功能\n\n在个人中心设置菜单中添加\"联系客服\"入口，点击后显示弹窗，\n用户可以查看客服的QQ号和微信号，并支持一键复制到剪贴板。\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")",
       "Bash(git commit -m \"$\\(cat <<''EOF''\nfix\\(wallet-service, admin-web\\): 修复系统账户划转金额类型问题\n\n- wallet-service: 支持 amount 为字符串或数字类型，添加类型转换\n- admin-web: 改进错误处理，正确提取 Axios 错误消息\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")",
-      "Bash(git commit -m \"$\\(cat <<''EOF''\nfeat\\(mobile-app\\): 更新客服联系方式\n\n- 客服微信1: liulianhuanghou1\n- 客服微信2: liulianhuanghou2\n- 客服QQ1: 1502109619\n- 客服QQ2: 2171447109\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")"
+      "Bash(git commit -m \"$\\(cat <<''EOF''\nfeat\\(mobile-app\\): 更新客服联系方式\n\n- 客服微信1: liulianhuanghou1\n- 客服微信2: liulianhuanghou2\n- 客服QQ1: 1502109619\n- 客服QQ2: 2171447109\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")",
+      "Bash(git commit -m \"$\\(cat <<''EOF''\nfeat\\(wallet-service\\): 添加运营1和积分股池到系统划转账户列表\n\n- 添加 S0000000002 \\(运营1\\) 和 S0000000004 \\(积分股池\\) 到允许转出白名单\n- 更新系统账户名称映射与前端保持一致\n- 为 S0000000006 手续费归集账户添加兼容逻辑，当余额为0时从提现订单表统计历史手续费\n- 优化过期奖励处理，按分配类型分别记录流水便于明细查看\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")",
+      "Bash(git commit -m \"$\\(cat <<''EOF''\nfix\\(wallet-service\\): 修复系统账户余额统计不一致问题\n\n- 账户余额改为 usdtAvailable + settleableUsdt，与累计收入统计保持一致\n- 解决社区权益进入 settleableUsdt 导致的余额与累计收入不匹配问题\n\n🤖 Generated with [Claude Code]\\(https://claude.com/claude-code\\)\n\nCo-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>\nEOF\n\\)\")"
     ],
     "deny": [],
     "ask": []
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 f47c3416..6f3db56c 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
@@ -3337,6 +3337,7 @@ export class WalletApplicationService {
 
   // =============== 系统账户报表统计 API - 增强版 ===============
   // [2026-01-05] 新增：获取所有系统账户列表（固定+区域）
+  // [2026-01-07] 更新：账户余额改为 usdtAvailable + settleableUsdt，与累计收入统计保持一致
   // 回滚方式：删除以下方法
 
   async getAllSystemAccounts(): Promise<{
@@ -3347,7 +3348,7 @@ export class WalletApplicationService {
     this.logger.log('[getAllSystemAccounts] 查询所有系统账户...');
     const wallets = await this.prisma.walletAccount.findMany({
       where: { OR: [{ accountSequence: { startsWith: 'S' } }, { accountSequence: { startsWith: '9' } }, { accountSequence: { startsWith: '8' } }] },
-      select: { accountSequence: true, usdtAvailable: true, status: true, createdAt: true },
+      select: { accountSequence: true, usdtAvailable: true, settleableUsdt: true, status: true, createdAt: true },
     });
     const accountSeqs = wallets.map(w => w.accountSequence);
     const receivedStats2 = await this.prisma.ledgerEntry.groupBy({ by: ['accountSequence'], where: { accountSequence: { in: accountSeqs }, amount: { gt: 0 } }, _sum: { amount: true } });
@@ -3362,12 +3363,14 @@ export class WalletApplicationService {
       const seq = wallet.accountSequence;
       const received = Number(receivedMap2.get(seq) || 0);
       const transferred = Math.abs(Number(transferredMap.get(seq) || 0));
+      // [2026-01-07] 账户余额 = usdtAvailable + settleableUsdt，与累计收入统计保持一致
+      const totalBalance = Number(wallet.usdtAvailable || 0) + Number(wallet.settleableUsdt || 0);
       if (seq.startsWith('S')) {
-        fixedAccounts.push({ accountSequence: seq, accountType: fixedAccountTypes[seq] || 'UNKNOWN', usdtBalance: String(wallet.usdtAvailable), totalReceived: String(received), totalTransferred: String(transferred), status: wallet.status, createdAt: wallet.createdAt.toISOString() });
+        fixedAccounts.push({ accountSequence: seq, accountType: fixedAccountTypes[seq] || 'UNKNOWN', usdtBalance: String(totalBalance), totalReceived: String(received), totalTransferred: String(transferred), status: wallet.status, createdAt: wallet.createdAt.toISOString() });
       } else if (seq.startsWith('9')) {
-        provinceAccounts.push({ accountSequence: seq, regionCode: seq.substring(1), regionName: '省区域 ' + seq.substring(1), usdtBalance: String(wallet.usdtAvailable), totalReceived: String(received), status: wallet.status });
+        provinceAccounts.push({ accountSequence: seq, regionCode: seq.substring(1), regionName: '省区域 ' + seq.substring(1), usdtBalance: String(totalBalance), totalReceived: String(received), status: wallet.status });
       } else if (seq.startsWith('8')) {
-        cityAccounts.push({ accountSequence: seq, regionCode: seq.substring(1), regionName: '市区域 ' + seq.substring(1), usdtBalance: String(wallet.usdtAvailable), totalReceived: String(received), status: wallet.status });
+        cityAccounts.push({ accountSequence: seq, regionCode: seq.substring(1), regionName: '市区域 ' + seq.substring(1), usdtBalance: String(totalBalance), totalReceived: String(received), status: wallet.status });
       }
     }
     this.logger.log('[getAllSystemAccounts] 固定: ' + fixedAccounts.length + ', 省: ' + provinceAccounts.length + ', 市: ' + cityAccounts.length);