diff --git a/backend/services/contribution-service/prisma/migrations/20260112200000_add_adoption_province_city/migration.sql b/backend/services/contribution-service/prisma/migrations/20260112200000_add_adoption_province_city/migration.sql
new file mode 100644
index 00000000..c48b0a33
--- /dev/null
+++ b/backend/services/contribution-service/prisma/migrations/20260112200000_add_adoption_province_city/migration.sql
@@ -0,0 +1,7 @@
+-- AlterTable: 添加认种省市字段到 synced_adoptions 表
+-- 这些字段从 1.0 planting_orders 表的 selected_province/selected_city 同步
+ALTER TABLE "synced_adoptions" ADD COLUMN "selected_province" VARCHAR(10);
+ALTER TABLE "synced_adoptions" ADD COLUMN "selected_city" VARCHAR(10);
+
+-- CreateIndex: 添加省市组合索引
+CREATE INDEX "synced_adoptions_selected_province_selected_city_idx" ON "synced_adoptions"("selected_province", "selected_city");
diff --git a/backend/services/contribution-service/prisma/schema.prisma b/backend/services/contribution-service/prisma/schema.prisma
index 3286010a..24fdc700 100644
--- a/backend/services/contribution-service/prisma/schema.prisma
+++ b/backend/services/contribution-service/prisma/schema.prisma
@@ -43,6 +43,10 @@ model SyncedAdoption {
   adoptionDate       DateTime @map("adoption_date") @db.Date
   status             String?  @db.VarChar(30) // 与1.0 planting_orders.status保持一致
 
+  // 认种选择的省市（用于系统账户分配）
+  selectedProvince String? @map("selected_province") @db.VarChar(10)
+  selectedCity     String? @map("selected_city") @db.VarChar(10)
+
   // 贡献值计算参数（从认种时的配置）
   contributionPerTree Decimal @map("contribution_per_tree") @db.Decimal(20, 10)
 
@@ -59,6 +63,7 @@ model SyncedAdoption {
   @@index([accountSequence])
   @@index([adoptionDate])
   @@index([contributionDistributed])
+  @@index([selectedProvince, selectedCity])
   @@map("synced_adoptions")
 }
 
diff --git a/backend/services/contribution-service/src/application/application.module.ts b/backend/services/contribution-service/src/application/application.module.ts
index b164a611..6df64743 100644
--- a/backend/services/contribution-service/src/application/application.module.ts
+++ b/backend/services/contribution-service/src/application/application.module.ts
@@ -10,6 +10,7 @@ import { CDCEventDispatcher } from './event-handlers/cdc-event-dispatcher';
 
 // Services
 import { ContributionCalculationService } from './services/contribution-calculation.service';
+import { ContributionDistributionPublisherService } from './services/contribution-distribution-publisher.service';
 import { SnapshotService } from './services/snapshot.service';
 
 // Queries
@@ -34,6 +35,7 @@ import { ContributionScheduler } from './schedulers/contribution.scheduler';
 
     // Services
     ContributionCalculationService,
+    ContributionDistributionPublisherService,
     SnapshotService,
 
     // Queries
diff --git a/backend/services/contribution-service/src/application/event-handlers/adoption-synced.handler.ts b/backend/services/contribution-service/src/application/event-handlers/adoption-synced.handler.ts
index 6d797061..8b47b16b 100644
--- a/backend/services/contribution-service/src/application/event-handlers/adoption-synced.handler.ts
+++ b/backend/services/contribution-service/src/application/event-handlers/adoption-synced.handler.ts
@@ -45,11 +45,13 @@ export class AdoptionSyncedHandler {
   private async handleCreate(data: any, sequenceNum: bigint): Promise<void> {
     if (!data) return;
 
-    // planting_orders表字段: order_id, account_sequence, tree_count, created_at, status
+    // planting_orders表字段: order_id, account_sequence, tree_count, created_at, status, selected_province, selected_city
     const orderId = data.order_id || data.id;
     const accountSequence = data.account_sequence || data.accountSequence;
     const treeCount = data.tree_count || data.treeCount;
     const createdAt = data.created_at || data.createdAt || data.paid_at || data.paidAt;
+    const selectedProvince = data.selected_province || data.selectedProvince || null;
+    const selectedCity = data.selected_city || data.selectedCity || null;
 
     // 第一步：保存同步的认种订单数据
     await this.syncedDataRepository.upsertSyncedAdoption({
@@ -58,6 +60,8 @@ export class AdoptionSyncedHandler {
       treeCount: treeCount,
       adoptionDate: new Date(createdAt),
       status: data.status ?? null,
+      selectedProvince: selectedProvince,
+      selectedCity: selectedCity,
       contributionPerTree: new Decimal('1'), // 每棵树1算力
       sourceSequenceNum: sequenceNum,
     });
@@ -99,6 +103,8 @@ export class AdoptionSyncedHandler {
     const accountSequence = after.account_sequence || after.accountSequence;
     const treeCount = after.tree_count || after.treeCount;
     const createdAt = after.created_at || after.createdAt || after.paid_at || after.paidAt;
+    const selectedProvince = after.selected_province || after.selectedProvince || null;
+    const selectedCity = after.selected_city || after.selectedCity || null;
 
     // 第一步：保存同步的认种订单数据
     await this.syncedDataRepository.upsertSyncedAdoption({
@@ -107,6 +113,8 @@ export class AdoptionSyncedHandler {
       treeCount: treeCount,
       adoptionDate: new Date(createdAt),
       status: after.status ?? null,
+      selectedProvince: selectedProvince,
+      selectedCity: selectedCity,
       contributionPerTree: new Decimal('1'),
       sourceSequenceNum: sequenceNum,
     });
diff --git a/backend/services/contribution-service/src/application/schedulers/contribution.scheduler.ts b/backend/services/contribution-service/src/application/schedulers/contribution.scheduler.ts
index b049826f..0d880182 100644
--- a/backend/services/contribution-service/src/application/schedulers/contribution.scheduler.ts
+++ b/backend/services/contribution-service/src/application/schedulers/contribution.scheduler.ts
@@ -104,6 +104,7 @@ export class ContributionScheduler implements OnModuleInit {
 
   /**
    * 每30秒发布 Outbox 中的事件
+   * 使用 4 小时最大退避策略处理失败
    */
   @Cron('*/30 * * * * *')
   async publishOutboxEvents(): Promise<void> {
@@ -119,31 +120,29 @@ export class ContributionScheduler implements OnModuleInit {
         return;
       }
 
+      const successIds: bigint[] = [];
+
       for (const event of events) {
         try {
-          await this.kafkaProducer.emit(`contribution.${event.eventType}`, {
-            key: event.aggregateId,
-            value: {
-              eventId: event.id,
-              aggregateType: event.aggregateType,
-              aggregateId: event.aggregateId,
-              eventType: event.eventType,
-              payload: event.payload,
-              createdAt: event.createdAt.toISOString(),
-            },
+          // 使用事件中指定的 topic，而不是拼接
+          await this.kafkaProducer.emit(event.topic, {
+            key: event.key,
+            value: event.payload,
           });
+          successIds.push(event.id);
         } catch (error) {
-          this.logger.error(`Failed to publish event ${event.id}`, error);
-          // 继续处理下一个事件
-          continue;
+          // 记录失败，使用退避策略重试
+          const errorMessage = error instanceof Error ? error.message : String(error);
+          await this.outboxRepository.markAsFailed(event.id, errorMessage);
+          this.logger.warn(`Event ${event.id} failed, will retry with backoff: ${errorMessage}`);
         }
       }
 
-      // 标记为已处理
-      const processedIds = events.map((e) => e.id);
-      await this.outboxRepository.markAsProcessed(processedIds);
-
-      this.logger.debug(`Published ${processedIds.length} outbox events`);
+      // 标记成功发送的事件为已处理
+      if (successIds.length > 0) {
+        await this.outboxRepository.markAsProcessed(successIds);
+        this.logger.debug(`Published ${successIds.length} outbox events`);
+      }
     } catch (error) {
       this.logger.error('Failed to publish outbox events', error);
     } finally {
diff --git a/backend/services/contribution-service/src/application/services/contribution-calculation.service.ts b/backend/services/contribution-service/src/application/services/contribution-calculation.service.ts
index 1d2461b7..691a99df 100644
--- a/backend/services/contribution-service/src/application/services/contribution-calculation.service.ts
+++ b/backend/services/contribution-service/src/application/services/contribution-calculation.service.ts
@@ -9,6 +9,7 @@ import { OutboxRepository } from '../../infrastructure/persistence/repositories/
 import { UnitOfWork } from '../../infrastructure/persistence/unit-of-work/unit-of-work';
 import { ContributionAccountAggregate, ContributionSourceType } from '../../domain/aggregates/contribution-account.aggregate';
 import { SyncedReferral } from '../../domain/repositories/synced-data.repository.interface';
+import { ContributionDistributionPublisherService } from './contribution-distribution-publisher.service';
 
 /**
  * 算力计算应用服务
@@ -27,6 +28,7 @@ export class ContributionCalculationService {
     private readonly systemAccountRepository: SystemAccountRepository,
     private readonly outboxRepository: OutboxRepository,
     private readonly unitOfWork: UnitOfWork,
+    private readonly distributionPublisher: ContributionDistributionPublisherService,
   ) {}
 
   /**
@@ -77,21 +79,16 @@ export class ContributionCalculationService {
         await this.updateReferrerUnlockStatus(userReferral.referrerAccountSequence);
       }
 
-      // 发布事件到 Outbox
-      await this.outboxRepository.save({
-        aggregateType: 'ContributionAccount',
-        aggregateId: adoption.accountSequence,
-        eventType: 'ContributionCalculated',
-        payload: {
-          accountSequence: adoption.accountSequence,
-          sourceAdoptionId: originalAdoptionId.toString(),
-          personalContribution: result.personalRecord.amount.value.toString(),
-          teamLevelCount: result.teamLevelRecords.length,
-          teamBonusCount: result.teamBonusRecords.length,
-          unallocatedCount: result.unallocatedContributions.length,
-          calculatedAt: new Date().toISOString(),
-        },
-      });
+      // 发布分配结果到 Kafka（通过 Outbox 模式）
+      // 使用认种订单选择的省市代码
+      const provinceCode = adoption.selectedProvince ?? 'DEFAULT';
+      const cityCode = adoption.selectedCity ?? 'DEFAULT';
+      await this.distributionPublisher.publishDistributionResult(
+        adoption,
+        result,
+        provinceCode,
+        cityCode,
+      );
     });
 
     this.logger.log(
diff --git a/backend/services/contribution-service/src/application/services/contribution-distribution-publisher.service.ts b/backend/services/contribution-service/src/application/services/contribution-distribution-publisher.service.ts
new file mode 100644
index 00000000..4f9d2b09
--- /dev/null
+++ b/backend/services/contribution-service/src/application/services/contribution-distribution-publisher.service.ts
@@ -0,0 +1,144 @@
+import { Injectable, Logger } from '@nestjs/common';
+import { OutboxRepository } from '../../infrastructure/persistence/repositories/outbox.repository';
+import { ContributionDistributionResult } from '../../domain/services/contribution-calculator.service';
+import { SyncedAdoption } from '../../domain/repositories/synced-data.repository.interface';
+
+/**
+ * 贡献值分配结果发布服务
+ * 将计算完成的分配结果发布到 Kafka，供 mining-wallet-service 消费
+ */
+@Injectable()
+export class ContributionDistributionPublisherService {
+  private readonly logger = new Logger(
+    ContributionDistributionPublisherService.name,
+  );
+
+  constructor(private readonly outboxRepository: OutboxRepository) {}
+
+  /**
+   * 发布分配结果到 Kafka
+   */
+  async publishDistributionResult(
+    adoption: SyncedAdoption,
+    result: ContributionDistributionResult,
+    provinceCode: string,
+    cityCode: string,
+  ): Promise<void> {
+    const eventId = `dist-${adoption.originalAdoptionId}-${Date.now()}`;
+
+    const payload = {
+      eventType: 'ContributionDistributionCompleted',
+      eventId,
+      timestamp: new Date().toISOString(),
+      payload: {
+        // 认种信息
+        adoptionId: adoption.originalAdoptionId.toString(),
+        adopterAccountSequence: adoption.accountSequence,
+        treeCount: adoption.treeCount,
+        adoptionDate: adoption.adoptionDate.toISOString(),
+
+        // 用户贡献值分配
+        userContributions: this.mapUserContributions(result),
+
+        // 系统账户分配
+        systemContributions: this.mapSystemContributions(
+          result,
+          provinceCode,
+          cityCode,
+        ),
+
+        // 未分配（归总部）
+        unallocatedToHeadquarters: this.mapUnallocated(result),
+      },
+    };
+
+    await this.outboxRepository.save({
+      eventType: 'ContributionDistributionCompleted',
+      topic: 'contribution.distribution.completed',
+      key: adoption.accountSequence,
+      payload,
+      aggregateId: adoption.originalAdoptionId.toString(),
+      aggregateType: 'Adoption',
+    });
+
+    this.logger.debug(
+      `Published distribution result for adoption ${adoption.originalAdoptionId}`,
+    );
+  }
+
+  private mapUserContributions(result: ContributionDistributionResult): any[] {
+    const contributions: any[] = [];
+
+    // 个人贡献
+    if (result.personalRecord) {
+      contributions.push({
+        accountSequence: result.personalRecord.accountSequence,
+        contributionType: 'PERSONAL',
+        amount: result.personalRecord.amount.value.toString(),
+        effectiveDate: result.personalRecord.effectiveDate.toISOString(),
+        expireDate: result.personalRecord.expireDate.toISOString(),
+        sourceAdoptionId: result.personalRecord.sourceAdoptionId.toString(),
+        sourceAccountSequence: result.personalRecord.sourceAccountSequence,
+      });
+    }
+
+    // 团队层级贡献
+    for (const record of result.teamLevelRecords) {
+      contributions.push({
+        accountSequence: record.accountSequence,
+        contributionType: 'TEAM_LEVEL',
+        amount: record.amount.value.toString(),
+        levelDepth: record.levelDepth,
+        effectiveDate: record.effectiveDate.toISOString(),
+        expireDate: record.expireDate.toISOString(),
+        sourceAdoptionId: record.sourceAdoptionId.toString(),
+        sourceAccountSequence: record.sourceAccountSequence,
+      });
+    }
+
+    // 团队奖励贡献
+    for (const record of result.teamBonusRecords) {
+      contributions.push({
+        accountSequence: record.accountSequence,
+        contributionType: 'TEAM_BONUS',
+        amount: record.amount.value.toString(),
+        bonusTier: record.bonusTier,
+        effectiveDate: record.effectiveDate.toISOString(),
+        expireDate: record.expireDate.toISOString(),
+        sourceAdoptionId: record.sourceAdoptionId.toString(),
+        sourceAccountSequence: record.sourceAccountSequence,
+      });
+    }
+
+    return contributions;
+  }
+
+  private mapSystemContributions(
+    result: ContributionDistributionResult,
+    provinceCode: string,
+    cityCode: string,
+  ): any[] {
+    return result.systemContributions.map((sys) => ({
+      accountType: sys.accountType,
+      amount: sys.amount.value.toString(),
+      provinceCode:
+        sys.accountType === 'PROVINCE' || sys.accountType === 'CITY'
+          ? provinceCode
+          : undefined,
+      cityCode: sys.accountType === 'CITY' ? cityCode : undefined,
+      neverExpires: sys.accountType === 'OPERATION', // 运营账户永不过期
+    }));
+  }
+
+  private mapUnallocated(result: ContributionDistributionResult): any[] {
+    return result.unallocatedContributions.map((u) => ({
+      reason: u.reason,
+      amount: u.amount.value.toString(),
+      wouldBeAccountSequence: u.wouldBeAccountSequence,
+      levelDepth: u.levelDepth,
+      bonusTier: u.type.startsWith('BONUS_TIER_')
+        ? parseInt(u.type.split('_')[2])
+        : undefined,
+    }));
+  }
+}
diff --git a/backend/services/contribution-service/src/domain/repositories/synced-data.repository.interface.ts b/backend/services/contribution-service/src/domain/repositories/synced-data.repository.interface.ts
index f429d8db..70850326 100644
--- a/backend/services/contribution-service/src/domain/repositories/synced-data.repository.interface.ts
+++ b/backend/services/contribution-service/src/domain/repositories/synced-data.repository.interface.ts
@@ -26,6 +26,9 @@ export interface SyncedAdoption {
   treeCount: number;
   adoptionDate: Date;
   status: string | null;
+  // 认种选择的省市（用于系统账户分配）
+  selectedProvince: string | null;
+  selectedCity: string | null;
   contributionPerTree: Decimal;
   sourceSequenceNum: bigint;
   syncedAt: Date;
@@ -93,6 +96,8 @@ export interface ISyncedDataRepository {
     treeCount: number;
     adoptionDate: Date;
     status?: string | null;
+    selectedProvince?: string | null;
+    selectedCity?: string | null;
     contributionPerTree: Decimal;
     sourceSequenceNum: bigint;
   }): Promise<SyncedAdoption>;
diff --git a/backend/services/contribution-service/src/infrastructure/persistence/repositories/outbox.repository.ts b/backend/services/contribution-service/src/infrastructure/persistence/repositories/outbox.repository.ts
index 6e59601c..47e489fd 100644
--- a/backend/services/contribution-service/src/infrastructure/persistence/repositories/outbox.repository.ts
+++ b/backend/services/contribution-service/src/infrastructure/persistence/repositories/outbox.repository.ts
@@ -24,12 +24,38 @@ export interface OutboxEvent {
  */
 @Injectable()
 export class OutboxRepository {
+  /**
+   * 退避时间配置（毫秒）
+   * 第1次: 30s, 第2次: 1min, 第3次: 2min, 第4次: 5min,
+   * 第5次: 10min, 第6次: 30min, 第7次: 1h, 第8次: 2h, 第9次: 4h, 第10次: 4h
+   */
+  private readonly BACKOFF_INTERVALS = [
+    30_000, // 30 seconds
+    60_000, // 1 minute
+    120_000, // 2 minutes
+    300_000, // 5 minutes
+    600_000, // 10 minutes
+    1_800_000, // 30 minutes
+    3_600_000, // 1 hour
+    7_200_000, // 2 hours
+    14_400_000, // 4 hours (max)
+    14_400_000, // 4 hours (max)
+  ];
+
   constructor(private readonly unitOfWork: UnitOfWork) {}
 
   private get client(): TransactionClient {
     return this.unitOfWork.getClient();
   }
 
+  /**
+   * 根据事件类型构建默认的 Kafka topic 名称
+   * 例如: CONTRIBUTION_DISTRIBUTED -> contribution.distributed
+   */
+  private buildDefaultTopic(eventType: string): string {
+    return 'contribution.' + eventType.toLowerCase().replace(/_/g, '.');
+  }
+
   async save(event: {
     aggregateType: string;
     aggregateId: string;
@@ -38,7 +64,7 @@ export class OutboxRepository {
     topic?: string;
     key?: string;
   }): Promise<void> {
-    const topic = event.topic ?? `contribution.${event.eventType.toLowerCase()}`;
+    const topic = event.topic ?? this.buildDefaultTopic(event.eventType);
     const key = event.key ?? event.aggregateId;
 
     await this.client.outboxEvent.create({
@@ -69,7 +95,7 @@ export class OutboxRepository {
         aggregateType: e.aggregateType,
         aggregateId: e.aggregateId,
         eventType: e.eventType,
-        topic: e.topic ?? `contribution.${e.eventType.toLowerCase()}`,
+        topic: e.topic ?? this.buildDefaultTopic(e.eventType),
         key: e.key ?? e.aggregateId,
         payload: e.payload,
         status: 'PENDING',
@@ -79,7 +105,10 @@ export class OutboxRepository {
 
   async findUnprocessed(limit: number): Promise<OutboxEvent[]> {
     const records = await this.client.outboxEvent.findMany({
-      where: { status: 'PENDING' },
+      where: {
+        status: 'PENDING',
+        OR: [{ nextRetryAt: null }, { nextRetryAt: { lte: new Date() } }],
+      },
       orderBy: { createdAt: 'asc' },
       take: limit,
     });
@@ -101,15 +130,20 @@ export class OutboxRepository {
     const retryCount = event.retryCount + 1;
     const shouldRetry = retryCount < event.maxRetries;
 
+    // 使用预定义的退避时间表
+    const backoffIndex = Math.min(
+      retryCount - 1,
+      this.BACKOFF_INTERVALS.length - 1,
+    );
+    const delayMs = this.BACKOFF_INTERVALS[backoffIndex];
+
     await this.client.outboxEvent.update({
       where: { id },
       data: {
         status: shouldRetry ? 'PENDING' : 'FAILED',
         retryCount,
         lastError: error,
-        nextRetryAt: shouldRetry
-          ? new Date(Date.now() + Math.pow(2, retryCount) * 1000) // exponential backoff
-          : null,
+        nextRetryAt: shouldRetry ? new Date(Date.now() + delayMs) : null,
       },
     });
   }
diff --git a/backend/services/contribution-service/src/infrastructure/persistence/repositories/synced-data.repository.ts b/backend/services/contribution-service/src/infrastructure/persistence/repositories/synced-data.repository.ts
index 84b38e89..a098cf65 100644
--- a/backend/services/contribution-service/src/infrastructure/persistence/repositories/synced-data.repository.ts
+++ b/backend/services/contribution-service/src/infrastructure/persistence/repositories/synced-data.repository.ts
@@ -87,6 +87,8 @@ export class SyncedDataRepository implements ISyncedDataRepository {
     treeCount: number;
     adoptionDate: Date;
     status?: string | null;
+    selectedProvince?: string | null;
+    selectedCity?: string | null;
     contributionPerTree: Decimal;
     sourceSequenceNum: bigint;
   }): Promise<SyncedAdoption> {
@@ -98,6 +100,8 @@ export class SyncedDataRepository implements ISyncedDataRepository {
         treeCount: data.treeCount,
         adoptionDate: data.adoptionDate,
         status: data.status ?? null,
+        selectedProvince: data.selectedProvince ?? null,
+        selectedCity: data.selectedCity ?? null,
         contributionPerTree: data.contributionPerTree,
         sourceSequenceNum: data.sourceSequenceNum,
         syncedAt: new Date(),
@@ -107,6 +111,8 @@ export class SyncedDataRepository implements ISyncedDataRepository {
         treeCount: data.treeCount,
         adoptionDate: data.adoptionDate,
         status: data.status ?? undefined,
+        selectedProvince: data.selectedProvince ?? undefined,
+        selectedCity: data.selectedCity ?? undefined,
         contributionPerTree: data.contributionPerTree,
         sourceSequenceNum: data.sourceSequenceNum,
         syncedAt: new Date(),
@@ -372,6 +378,8 @@ export class SyncedDataRepository implements ISyncedDataRepository {
       treeCount: record.treeCount,
       adoptionDate: record.adoptionDate,
       status: record.status,
+      selectedProvince: record.selectedProvince,
+      selectedCity: record.selectedCity,
       contributionPerTree: record.contributionPerTree,
       sourceSequenceNum: record.sourceSequenceNum,
       syncedAt: record.syncedAt,
diff --git a/backend/services/docs/contribution-wallet-architecture.md b/backend/services/docs/contribution-wallet-architecture.md
new file mode 100644
index 00000000..d5d7c29b
--- /dev/null
+++ b/backend/services/docs/contribution-wallet-architecture.md
@@ -0,0 +1,409 @@
+# 2.0 贡献值计算与钱包存储方案
+
+## 一、系统架构总览
+
+```
+┌─────────────────────────────────────────────────────────────────────────────┐
+│                           1.0 系统 (数据源)                                   │
+│  ┌──────────────┐   ┌──────────────┐   ┌──────────────┐                     │
+│  │ auth-service │   │ planting-svc │   │ referral-svc │                     │
+│  │  (用户注册)   │   │  (认种订单)   │   │  (推荐关系)   │                     │
+│  └──────┬───────┘   └──────┬───────┘   └──────┬───────┘                     │
+└─────────┼──────────────────┼──────────────────┼─────────────────────────────┘
+          │                  │                  │
+          │ Kafka CDC        │ Kafka CDC        │ Kafka CDC
+          ▼                  ▼                  ▼
+┌─────────────────────────────────────────────────────────────────────────────┐
+│                           2.0 系统                                           │
+│                                                                              │
+│  ┌────────────────────────────────────────────────────────────────────────┐ │
+│  │                    contribution-service                                 │ │
+│  │  ┌─────────────────┐  ┌─────────────────┐  ┌─────────────────┐        │ │
+│  │  │  CDC Consumer   │  │ 贡献值计算引擎   │  │  Outbox 发布器  │        │ │
+│  │  │  (同步数据)      │→ │ (分配逻辑)       │→ │  (Kafka)        │        │ │
+│  │  └─────────────────┘  └─────────────────┘  └────────┬────────┘        │ │
+│  └──────────────────────────────────────────────────────┼─────────────────┘ │
+│                                                         │                    │
+│                         Kafka: contribution.distribution.completed           │
+│                                                         │                    │
+│                                                         ▼                    │
+│  ┌────────────────────────────────────────────────────────────────────────┐ │
+│  │                   mining-wallet-service                                 │ │
+│  │  ┌─────────────────┐  ┌─────────────────┐  ┌─────────────────┐        │ │
+│  │  │ Kafka Consumer  │  │  钱包账户管理    │  │  分类账记录      │        │ │
+│  │  │ (接收分配结果)   │→ │  (存储贡献值)    │→ │  (交易明细)      │        │ │
+│  │  └─────────────────┘  └─────────────────┘  └─────────────────┘        │ │
+│  └────────────────────────────────────────────────────────────────────────┘ │
+│                                                                              │
+│  ┌────────────────────────────────────────────────────────────────────────┐ │
+│  │                   mining-admin-service                                  │ │
+│  │  订阅 contribution-service 和 mining-wallet-service 的事件进行数据同步    │ │
+│  └────────────────────────────────────────────────────────────────────────┘ │
+└─────────────────────────────────────────────────────────────────────────────┘
+```
+
+---
+
+## 二、贡献值分配规则
+
+### 2.1 分配比例
+
+| 类型 | 比例 | 说明 |
+|------|------|------|
+| 个人贡献 | 70% | 认种人自己获得 |
+| 运营账户 | 12% | 系统运营账户（永不过期） |
+| 省级公司 | 1% | 认种所在省份公司 |
+| 市级公司 | 2% | 认种所在城市公司 |
+| 团队层级 | 7.5% | 上线1-15级，每级0.5% |
+| 团队奖励 | 7.5% | 直接上线的3档奖励，每档2.5% |
+
+### 2.2 解锁条件
+
+#### 层级解锁（每级0.5%，共15级）
+| 档位 | 层级 | 解锁条件 |
+|------|------|----------|
+| 第1档 | L1-L5 | 直推≥1人认种 |
+| 第2档 | L6-L10 | 直推≥3人认种 |
+| 第3档 | L11-L15 | 直推≥5人认种 |
+
+#### 奖励解锁（每档2.5%，共3档）
+| 档位 | 解锁条件 |
+|------|----------|
+| 第1档 | 自己认种 |
+| 第2档 | 直推≥2人认种 |
+| 第3档 | 直推≥4人认种 |
+
+### 2.3 有效期规则
+
+- **用户贡献值**：2年有效期（从认种次日开始计算）
+- **运营账户**：永不过期
+- **未分配贡献值**：归总部账户（永不过期）
+
+---
+
+## 三、Kafka 事件设计
+
+### 3.1 用户注册事件
+
+**Topic**: `auth.user.registered`
+
+```typescript
+interface UserRegisteredEvent {
+  eventType: 'UserRegistered';
+  eventId: string;
+  timestamp: string;
+  payload: {
+    accountSequence: string;
+    phone: string;
+    referrerAccountSequence: string | null;
+    registeredAt: string;
+    source: 'LEGACY_MIGRATION' | 'NEW_REGISTRATION';
+  };
+}
+```
+
+**消费者**：
+- `contribution-service` - 创建 ContributionAccount
+- `mining-wallet-service` - 创建用户钱包（CONTRIBUTION 类型）
+
+### 3.2 认种完成事件
+
+**Topic**: `planting.adoption.completed`
+
+```typescript
+interface AdoptionCompletedEvent {
+  eventType: 'AdoptionCompleted';
+  eventId: string;
+  timestamp: string;
+  payload: {
+    adoptionId: string;
+    accountSequence: string;
+    treeCount: number;
+    contributionPerTree: string;
+    adoptionDate: string;
+    provinceCode: string;
+    cityCode: string;
+  };
+}
+```
+
+**消费者**：
+- `contribution-service` - 触发贡献值计算
+
+### 3.3 贡献值分配完成事件
+
+**Topic**: `contribution.distribution.completed`
+
+```typescript
+interface ContributionDistributionCompletedEvent {
+  eventType: 'ContributionDistributionCompleted';
+  eventId: string;
+  timestamp: string;
+  payload: {
+    // 认种信息
+    adoptionId: string;
+    adopterAccountSequence: string;
+    treeCount: number;
+    adoptionDate: string;
+
+    // 用户贡献值分配
+    userContributions: {
+      accountSequence: string;
+      contributionType: 'PERSONAL' | 'TEAM_LEVEL' | 'TEAM_BONUS';
+      amount: string;
+      levelDepth?: number;      // 1-15 for TEAM_LEVEL
+      bonusTier?: number;       // 1-3 for TEAM_BONUS
+      effectiveDate: string;
+      expireDate: string;
+      sourceAdoptionId: string;
+      sourceAccountSequence: string;
+    }[];
+
+    // 系统账户分配
+    systemContributions: {
+      accountType: 'OPERATION' | 'PROVINCE' | 'CITY' | 'HEADQUARTERS';
+      amount: string;
+      provinceCode?: string;
+      cityCode?: string;
+      neverExpires: boolean;
+    }[];
+
+    // 未分配（归总部）
+    unallocatedToHeadquarters: {
+      reason: string;
+      amount: string;
+      wouldBeAccountSequence?: string;
+      levelDepth?: number;
+      bonusTier?: number;
+    }[];
+  };
+}
+```
+
+**消费者**：
+- `mining-wallet-service` - 存储贡献值到钱包
+
+### 3.4 贡献值入账事件
+
+**Topic**: `mining-wallet.contribution.credited`
+
+```typescript
+interface ContributionCreditedEvent {
+  eventType: 'ContributionCredited';
+  eventId: string;
+  timestamp: string;
+  payload: {
+    accountSequence: string;
+    walletType: 'CONTRIBUTION';
+    amount: string;
+    balanceAfter: string;
+    transactionId: string;
+    sourceType: 'ADOPTION_DISTRIBUTION';
+    referenceId: string;
+  };
+}
+```
+
+**消费者**：
+- `mining-admin-service` - 同步数据用于展示
+
+---
+
+## 四、Outbox 模式
+
+### 4.1 Outbox 表结构
+
+```prisma
+model OutboxEvent {
+  id            BigInt   @id @default(autoincrement()) @map("outbox_id")
+
+  eventType     String   @map("event_type") @db.VarChar(100)
+  topic         String   @map("topic") @db.VarChar(100)
+  key           String   @map("key") @db.VarChar(200)
+  payload       Json     @map("payload")
+
+  aggregateId   String   @map("aggregate_id") @db.VarChar(100)
+  aggregateType String   @map("aggregate_type") @db.VarChar(50)
+
+  status        String   @default("PENDING") @map("status") @db.VarChar(20)
+  retryCount    Int      @default(0) @map("retry_count")
+  maxRetries    Int      @default(10) @map("max_retries")
+  lastError     String?  @map("last_error") @db.Text
+
+  createdAt     DateTime @default(now()) @map("created_at")
+  publishedAt   DateTime? @map("published_at")
+  nextRetryAt   DateTime? @map("next_retry_at")
+
+  @@index([status, createdAt])
+  @@index([status, nextRetryAt])
+  @@map("outbox_events")
+}
+```
+
+### 4.2 退避策略（最大4小时）
+
+| 重试次数 | 等待时间 | 累计时间 |
+|---------|---------|---------|
+| 1 | 30秒 | 30秒 |
+| 2 | 1分钟 | 1.5分钟 |
+| 3 | 2分钟 | 3.5分钟 |
+| 4 | 5分钟 | 8.5分钟 |
+| 5 | 10分钟 | 18.5分钟 |
+| 6 | 30分钟 | 48.5分钟 |
+| 7 | 1小时 | 1小时48分 |
+| 8 | 2小时 | 3小时48分 |
+| 9 | 4小时 | 7小时48分 |
+| 10 | 4小时(max) | 11小时48分 |
+
+```typescript
+const BACKOFF_INTERVALS = [
+  30_000,      // 30 seconds
+  60_000,      // 1 minute
+  120_000,     // 2 minutes
+  300_000,     // 5 minutes
+  600_000,     // 10 minutes
+  1_800_000,   // 30 minutes
+  3_600_000,   // 1 hour
+  7_200_000,   // 2 hours
+  14_400_000,  // 4 hours (max)
+  14_400_000,  // 4 hours (max)
+];
+```
+
+### 4.3 幂等性保证（4小时去重窗口）
+
+```prisma
+model ProcessedEvent {
+  id            String   @id @default(uuid())
+  eventId       String   @unique @map("event_id")
+  eventType     String   @map("event_type")
+  sourceService String   @map("source_service")
+  processedAt   DateTime @default(now()) @map("processed_at")
+
+  @@index([sourceService])
+  @@index([processedAt])
+  @@map("processed_events")
+}
+```
+
+- **Redis 缓存**：4小时 TTL，快速路径检查
+- **DB 持久化**：ProcessedEvent 表，24小时后清理
+- **双重检查**：先查 Redis，未命中再查 DB
+
+---
+
+## 五、服务职责划分
+
+| 服务 | 职责 | 数据存储 |
+|------|------|----------|
+| **auth-service** | 用户注册/迁移，发送 UserRegistered 事件 | 用户基础信息 |
+| **planting-service** | 认种订单，发送 AdoptionCompleted 事件 | 认种订单 |
+| **contribution-service** | 贡献值计算逻辑，解锁状态管理 | 计算明细、解锁事件（用于审计） |
+| **mining-wallet-service** | 贡献值存储，余额管理，过期处理 | 钱包余额、交易明细（分类账） |
+| **mining-admin-service** | 数据聚合展示 | 同步缓存 |
+
+---
+
+## 六、数据模型
+
+### 6.1 contribution-service（已实现）
+
+- `ContributionAccount` - 用户贡献值账户（汇总）
+- `ContributionRecord` - 贡献值明细（审计）
+- `UnlockEvent` - 解锁事件记录
+- `UnallocatedContribution` - 未分配贡献值
+- `SystemAccount` - 系统账户（运营/省/市/总部）
+
+### 6.2 mining-wallet-service（需扩展）
+
+现有模型：
+- `UserWallet` - 用户钱包（CONTRIBUTION 类型）
+- `UserWalletTransaction` - 交易明细（分类账）
+- `SystemAccount` - 系统账户
+
+需要添加：
+- SystemAccount 添加 `contributionBalance` 字段
+- TransactionType 添加 `CONTRIBUTION_CREDIT`、`CONTRIBUTION_EXPIRE` 枚举值
+
+---
+
+## 七、实施步骤
+
+### Phase 1: mining-wallet-service 扩展
+1. 修改 schema 添加 SystemAccount 贡献值字段
+2. 实现 ContributionWalletService
+3. 实现 ContributionDistributionConsumer
+4. 实现 UserRegisteredConsumer（创建用户钱包）
+5. 实现 ContributionExpiryScheduler
+6. 实现 Outbox Scheduler（4小时退避）
+
+### Phase 2: contribution-service 扩展
+1. 实现 ContributionDistributionPublisherService
+2. 修改 ContributionCalculationService 调用发布器
+3. 测试完整的分配流程
+
+### Phase 3: auth-service 集成
+1. 确保 UserRegistered 事件正确发送
+2. 包含 referrerAccountSequence 信息
+
+### Phase 4: 历史数据迁移
+1. 批量处理1.0的历史认种数据
+2. 逐笔计算并发送分配事件
+3. 验证钱包余额正确性
+
+---
+
+## 八、关键流程
+
+### 8.1 认种触发贡献值分配
+
+```
+1. planting-service 发送 AdoptionCompleted 事件
+   ↓
+2. contribution-service 消费事件
+   ├─ 查询认种人的上线链条（最多15级）
+   ├─ 查询各上线的解锁状态
+   ├─ 计算贡献值分配
+   └─ 写入 Outbox 表
+   ↓
+3. Outbox Scheduler 发送到 Kafka
+   ↓
+4. mining-wallet-service 消费 ContributionDistributionCompleted
+   ├─ 幂等性检查
+   ├─ 更新用户钱包余额
+   ├─ 更新系统账户余额
+   └─ 记录交易明细
+   ↓
+5. mining-admin-service 消费 ContributionCredited
+   └─ 同步缓存数据
+```
+
+### 8.2 贡献值过期处理
+
+```
+1. 每日凌晨1点定时任务启动
+   ↓
+2. 查询 expireDate <= today 的交易记录
+   ↓
+3. 逐笔处理过期
+   ├─ 扣减钱包余额
+   ├─ 创建过期交易记录
+   └─ 标记原交易为已过期
+```
+
+---
+
+## 九、监控与告警
+
+### 9.1 关键指标
+
+- Outbox 积压数量
+- 事件处理延迟
+- 重试次数分布
+- 失败事件数量
+
+### 9.2 告警规则
+
+- Outbox 积压 > 1000 条
+- 事件处理延迟 > 5 分钟
+- 失败事件数量 > 10 条/小时
diff --git a/backend/services/mining-wallet-service/prisma/migrations/20260112180000_add_contribution_balance/migration.sql b/backend/services/mining-wallet-service/prisma/migrations/20260112180000_add_contribution_balance/migration.sql
new file mode 100644
index 00000000..3ffea7c6
--- /dev/null
+++ b/backend/services/mining-wallet-service/prisma/migrations/20260112180000_add_contribution_balance/migration.sql
@@ -0,0 +1,2 @@
+-- AlterTable: 添加贡献值余额字段到系统账户
+ALTER TABLE "system_accounts" ADD COLUMN "contribution_balance" DECIMAL(30,8) NOT NULL DEFAULT 0;
diff --git a/backend/services/mining-wallet-service/prisma/schema.prisma b/backend/services/mining-wallet-service/prisma/schema.prisma
index 5a1c75dc..f3899c5d 100644
--- a/backend/services/mining-wallet-service/prisma/schema.prisma
+++ b/backend/services/mining-wallet-service/prisma/schema.prisma
@@ -187,6 +187,7 @@ model SystemAccount {
   shareBalance    Decimal           @default(0) @map("share_balance") @db.Decimal(30, 8)
   usdtBalance     Decimal           @default(0) @map("usdt_balance") @db.Decimal(30, 8)
   greenPointBalance Decimal         @default(0) @map("green_point_balance") @db.Decimal(30, 8)
+  contributionBalance Decimal       @default(0) @map("contribution_balance") @db.Decimal(30, 8)
   frozenShare     Decimal           @default(0) @map("frozen_share") @db.Decimal(30, 8)
   frozenUsdt      Decimal           @default(0) @map("frozen_usdt") @db.Decimal(30, 8)
 
diff --git a/backend/services/mining-wallet-service/src/application/application.module.ts b/backend/services/mining-wallet-service/src/application/application.module.ts
index d09a163b..1b74fcd0 100644
--- a/backend/services/mining-wallet-service/src/application/application.module.ts
+++ b/backend/services/mining-wallet-service/src/application/application.module.ts
@@ -6,9 +6,11 @@ import { SystemAccountService } from './services/system-account.service';
 import { PoolAccountService } from './services/pool-account.service';
 import { UserWalletService } from './services/user-wallet.service';
 import { BlockchainIntegrationService } from './services/blockchain.service';
+import { ContributionWalletService } from './services/contribution-wallet.service';
 
 // Schedulers
 import { OutboxScheduler } from './schedulers/outbox.scheduler';
+import { ContributionExpiryScheduler } from './schedulers/contribution-expiry.scheduler';
 
 @Module({
   imports: [ScheduleModule.forRoot()],
@@ -18,14 +20,17 @@ import { OutboxScheduler } from './schedulers/outbox.scheduler';
     PoolAccountService,
     UserWalletService,
     BlockchainIntegrationService,
+    ContributionWalletService,
     // Schedulers
     OutboxScheduler,
+    ContributionExpiryScheduler,
   ],
   exports: [
     SystemAccountService,
     PoolAccountService,
     UserWalletService,
     BlockchainIntegrationService,
+    ContributionWalletService,
   ],
 })
 export class ApplicationModule {}
diff --git a/backend/services/mining-wallet-service/src/application/schedulers/contribution-expiry.scheduler.ts b/backend/services/mining-wallet-service/src/application/schedulers/contribution-expiry.scheduler.ts
new file mode 100644
index 00000000..2eef5955
--- /dev/null
+++ b/backend/services/mining-wallet-service/src/application/schedulers/contribution-expiry.scheduler.ts
@@ -0,0 +1,131 @@
+import { Injectable, Logger } from '@nestjs/common';
+import { Cron } from '@nestjs/schedule';
+import { PrismaService } from '../../infrastructure/persistence/prisma/prisma.service';
+import { RedisService } from '../../infrastructure/redis/redis.service';
+import { ContributionWalletService } from '../services/contribution-wallet.service';
+import { UserWalletType, AssetType } from '@prisma/client';
+import Decimal from 'decimal.js';
+
+@Injectable()
+export class ContributionExpiryScheduler {
+  private readonly logger = new Logger(ContributionExpiryScheduler.name);
+  private readonly LOCK_KEY = 'mining-wallet:contribution-expiry:lock';
+  private readonly LOCK_TTL = 3600; // 1 hour
+
+  constructor(
+    private readonly prisma: PrismaService,
+    private readonly redis: RedisService,
+    private readonly contributionWalletService: ContributionWalletService,
+  ) {}
+
+  /**
+   * 每日凌晨1点执行过期检查
+   */
+  @Cron('0 1 * * *')
+  async processExpiredContributions(): Promise<void> {
+    const lockValue = await this.redis.acquireLock(this.LOCK_KEY, this.LOCK_TTL);
+    if (!lockValue) {
+      this.logger.debug('Another instance is processing expired contributions');
+      return;
+    }
+
+    try {
+      this.logger.log('Starting contribution expiry processing');
+
+      const today = new Date();
+      today.setHours(0, 0, 0, 0);
+
+      // 查找所有过期的贡献值交易记录
+      // 通过 metadata.expireDate 字段判断
+      const expiredTransactions = await this.prisma.userWalletTransaction.findMany({
+        where: {
+          walletType: UserWalletType.CONTRIBUTION,
+          assetType: AssetType.CONTRIBUTION,
+          amount: { gt: 0 }, // 只查找入账记录
+          // 检查 metadata 中的 expireDate
+          // 注意: Prisma 的 JSON 过滤有限制，可能需要原生查询
+        },
+        take: 1000, // 每次处理1000条
+        orderBy: { createdAt: 'asc' },
+      });
+
+      let expiredCount = 0;
+
+      for (const tx of expiredTransactions) {
+        const metadata = tx.metadata as any;
+        if (!metadata?.expireDate || metadata?.isExpired) {
+          continue;
+        }
+
+        const expireDate = new Date(metadata.expireDate);
+        if (expireDate > today) {
+          continue;
+        }
+
+        try {
+          await this.contributionWalletService.expireContribution(
+            tx.id,
+            tx.accountSequence,
+            new Decimal(tx.amount.toString()),
+          );
+
+          // 标记原交易为已过期
+          await this.prisma.userWalletTransaction.update({
+            where: { id: tx.id },
+            data: {
+              metadata: {
+                ...metadata,
+                isExpired: true,
+                expiredAt: new Date().toISOString(),
+              },
+            },
+          });
+
+          expiredCount++;
+        } catch (error) {
+          this.logger.error(
+            `Failed to expire contribution ${tx.id}`,
+            error instanceof Error ? error.stack : error,
+          );
+        }
+      }
+
+      this.logger.log(`Processed ${expiredCount} expired contributions`);
+    } finally {
+      await this.redis.releaseLock(this.LOCK_KEY, lockValue);
+    }
+  }
+
+  /**
+   * 每天凌晨3点清理过期的 ProcessedEvent 记录（保留24小时）
+   */
+  @Cron('0 3 * * *')
+  async cleanupProcessedEvents(): Promise<void> {
+    const lockValue = await this.redis.acquireLock(
+      `${this.LOCK_KEY}:cleanup`,
+      60,
+    );
+    if (!lockValue) {
+      return;
+    }
+
+    try {
+      const cutoffDate = new Date();
+      cutoffDate.setHours(cutoffDate.getHours() - 24);
+
+      const result = await this.prisma.processedEvent.deleteMany({
+        where: {
+          processedAt: { lt: cutoffDate },
+        },
+      });
+
+      if (result.count > 0) {
+        this.logger.log(
+          `Cleaned up ${result.count} processed events older than 24 hours`,
+        );
+      }
+    } finally {
+      await this.redis.releaseLock(`${this.LOCK_KEY}:cleanup`, lockValue);
+    }
+  }
+}
diff --git a/backend/services/mining-wallet-service/src/application/services/contribution-wallet.service.ts b/backend/services/mining-wallet-service/src/application/services/contribution-wallet.service.ts
new file mode 100644
index 00000000..2f4394a5
--- /dev/null
+++ b/backend/services/mining-wallet-service/src/application/services/contribution-wallet.service.ts
@@ -0,0 +1,284 @@
+import { Injectable, Logger } from '@nestjs/common';
+import { PrismaService } from '../../infrastructure/persistence/prisma/prisma.service';
+import { OutboxRepository } from '../../infrastructure/persistence/repositories/outbox.repository';
+import { UserWalletType, AssetType, TransactionType } from '@prisma/client';
+import Decimal from 'decimal.js';
+
+export interface CreditContributionInput {
+  accountSequence: string;
+  amount: Decimal;
+  contributionType: 'PERSONAL' | 'TEAM_LEVEL' | 'TEAM_BONUS';
+  levelDepth?: number;
+  bonusTier?: number;
+  effectiveDate: Date;
+  expireDate: Date;
+  sourceAdoptionId: string;
+  sourceAccountSequence: string;
+}
+
+export interface CreditSystemContributionInput {
+  accountType: 'OPERATION' | 'PROVINCE' | 'CITY' | 'HEADQUARTERS';
+  amount: Decimal;
+  provinceCode?: string;
+  cityCode?: string;
+  neverExpires: boolean;
+  sourceAdoptionId: string;
+  sourceAccountSequence: string;
+  memo?: string;
+}
+
+@Injectable()
+export class ContributionWalletService {
+  private readonly logger = new Logger(ContributionWalletService.name);
+
+  constructor(
+    private readonly prisma: PrismaService,
+    private readonly outboxRepo: OutboxRepository,
+  ) {}
+
+  /**
+   * 为用户钱包增加贡献值
+   */
+  async creditContribution(input: CreditContributionInput): Promise<void> {
+    await this.prisma.$transaction(async (tx) => {
+      // 1. 获取或创建用户贡献值钱包
+      let wallet = await tx.userWallet.findUnique({
+        where: {
+          accountSequence_walletType: {
+            accountSequence: input.accountSequence,
+            walletType: UserWalletType.CONTRIBUTION,
+          },
+        },
+      });
+
+      if (!wallet) {
+        wallet = await tx.userWallet.create({
+          data: {
+            accountSequence: input.accountSequence,
+            walletType: UserWalletType.CONTRIBUTION,
+            balance: new Decimal(0),
+            frozenBalance: new Decimal(0),
+          },
+        });
+      }
+
+      const balanceBefore = new Decimal(wallet.balance.toString());
+      const balanceAfter = balanceBefore.plus(input.amount);
+
+      // 2. 更新钱包余额
+      await tx.userWallet.update({
+        where: { id: wallet.id },
+        data: {
+          balance: balanceAfter,
+          totalInflow: { increment: input.amount },
+        },
+      });
+
+      // 3. 创建交易记录（分类账）
+      const transaction = await tx.userWalletTransaction.create({
+        data: {
+          userWalletId: wallet.id,
+          accountSequence: input.accountSequence,
+          walletType: UserWalletType.CONTRIBUTION,
+          transactionType: TransactionType.TRANSFER_IN,
+          assetType: AssetType.CONTRIBUTION,
+          amount: input.amount,
+          balanceBefore,
+          balanceAfter,
+          counterpartyType: 'EXTERNAL',
+          referenceId: input.sourceAdoptionId,
+          referenceType: 'ADOPTION',
+          memo: this.buildMemo(input),
+          metadata: {
+            contributionType: input.contributionType,
+            levelDepth: input.levelDepth,
+            bonusTier: input.bonusTier,
+            effectiveDate: input.effectiveDate.toISOString(),
+            expireDate: input.expireDate.toISOString(),
+            sourceAccountSequence: input.sourceAccountSequence,
+          },
+        },
+      });
+
+      // 4. 发布事件到 Outbox
+      await tx.outboxEvent.create({
+        data: {
+          aggregateType: 'UserWallet',
+          aggregateId: wallet.id,
+          eventType: 'CONTRIBUTION_CREDITED',
+          topic: 'mining-wallet.contribution.credited',
+          key: input.accountSequence,
+          payload: {
+            accountSequence: input.accountSequence,
+            walletType: 'CONTRIBUTION',
+            amount: input.amount.toString(),
+            balanceAfter: balanceAfter.toString(),
+            transactionId: transaction.id,
+            contributionType: input.contributionType,
+            sourceAdoptionId: input.sourceAdoptionId,
+            sourceAccountSequence: input.sourceAccountSequence,
+            levelDepth: input.levelDepth,
+            bonusTier: input.bonusTier,
+          },
+        },
+      });
+
+      this.logger.debug(
+        `Credited ${input.amount} contribution to ${input.accountSequence}, type: ${input.contributionType}`,
+      );
+    });
+  }
+
+  /**
+   * 为系统账户增加贡献值
+   */
+  async creditSystemContribution(
+    input: CreditSystemContributionInput,
+  ): Promise<void> {
+    await this.prisma.$transaction(async (tx) => {
+      // 1. 根据 accountType 和区域查找系统账户
+      let whereClause: any = { accountType: input.accountType };
+
+      if (input.accountType === 'PROVINCE' && input.provinceCode) {
+        whereClause = {
+          accountType: input.accountType,
+          province: { code: input.provinceCode },
+        };
+      } else if (input.accountType === 'CITY' && input.cityCode) {
+        whereClause = {
+          accountType: input.accountType,
+          city: { code: input.cityCode },
+        };
+      }
+
+      const systemAccount = await tx.systemAccount.findFirst({
+        where: whereClause,
+      });
+
+      if (!systemAccount) {
+        this.logger.warn(
+          `System account not found: ${input.accountType}, province: ${input.provinceCode}, city: ${input.cityCode}`,
+        );
+        return;
+      }
+
+      const balanceBefore = new Decimal(
+        systemAccount.contributionBalance?.toString() || '0',
+      );
+      const balanceAfter = balanceBefore.plus(input.amount);
+
+      // 2. 更新系统账户贡献值余额
+      await tx.systemAccount.update({
+        where: { id: systemAccount.id },
+        data: {
+          contributionBalance: balanceAfter,
+        },
+      });
+
+      // 3. 创建系统账户交易记录
+      await tx.systemAccountTransaction.create({
+        data: {
+          systemAccountId: systemAccount.id,
+          transactionType: TransactionType.TRANSFER_IN,
+          assetType: AssetType.CONTRIBUTION,
+          amount: input.amount,
+          balanceBefore,
+          balanceAfter,
+          counterpartyType: 'USER',
+          counterpartyAccountSeq: input.sourceAccountSequence,
+          referenceId: input.sourceAdoptionId,
+          referenceType: 'ADOPTION',
+          memo:
+            input.memo ||
+            `贡献值分配, 来源认种: ${input.sourceAdoptionId}, 认种人: ${input.sourceAccountSequence}`,
+          metadata: {
+            neverExpires: input.neverExpires,
+          },
+        },
+      });
+
+      this.logger.debug(
+        `Credited ${input.amount} contribution to system account ${systemAccount.code}`,
+      );
+    });
+  }
+
+  /**
+   * 处理贡献值过期
+   */
+  async expireContribution(
+    transactionId: string,
+    accountSequence: string,
+    amount: Decimal,
+  ): Promise<void> {
+    await this.prisma.$transaction(async (tx) => {
+      const wallet = await tx.userWallet.findUnique({
+        where: {
+          accountSequence_walletType: {
+            accountSequence,
+            walletType: UserWalletType.CONTRIBUTION,
+          },
+        },
+      });
+
+      if (!wallet) {
+        this.logger.warn(
+          `Wallet not found for expiry: ${accountSequence}`,
+        );
+        return;
+      }
+
+      const balanceBefore = new Decimal(wallet.balance.toString());
+      let balanceAfter = balanceBefore.minus(amount);
+
+      // 确保余额不为负
+      if (balanceAfter.lt(0)) {
+        balanceAfter = new Decimal(0);
+      }
+
+      // 更新钱包余额
+      await tx.userWallet.update({
+        where: { id: wallet.id },
+        data: {
+          balance: balanceAfter,
+          totalOutflow: { increment: amount },
+        },
+      });
+
+      // 创建过期交易记录
+      await tx.userWalletTransaction.create({
+        data: {
+          userWalletId: wallet.id,
+          accountSequence,
+          walletType: UserWalletType.CONTRIBUTION,
+          transactionType: TransactionType.TRANSFER_OUT,
+          assetType: AssetType.CONTRIBUTION,
+          amount: amount.negated(),
+          balanceBefore,
+          balanceAfter,
+          counterpartyType: 'SYSTEM_ACCOUNT',
+          referenceId: transactionId,
+          referenceType: 'EXPIRY',
+          memo: `贡献值过期, 原交易ID: ${transactionId}`,
+          metadata: {
+            originalTransactionId: transactionId,
+            expiredAt: new Date().toISOString(),
+          },
+        },
+      });
+
+      this.logger.debug(
+        `Expired ${amount} contribution for ${accountSequence}`,
+      );
+    });
+  }
+
+  private buildMemo(input: CreditContributionInput): string {
+    const typeMap: Record<string, string> = {
+      PERSONAL: '个人认种贡献',
+      TEAM_LEVEL: `团队层级贡献(第${input.levelDepth}级)`,
+      TEAM_BONUS: `团队奖励贡献(第${input.bonusTier}档)`,
+    };
+    return `${typeMap[input.contributionType]}, 来源认种: ${input.sourceAdoptionId}, 认种人: ${input.sourceAccountSequence}`;
+  }
+}
diff --git a/backend/services/mining-wallet-service/src/infrastructure/infrastructure.module.ts b/backend/services/mining-wallet-service/src/infrastructure/infrastructure.module.ts
index 47777f50..f813a745 100644
--- a/backend/services/mining-wallet-service/src/infrastructure/infrastructure.module.ts
+++ b/backend/services/mining-wallet-service/src/infrastructure/infrastructure.module.ts
@@ -8,9 +8,12 @@ import { UserWalletRepository } from './persistence/repositories/user-wallet.rep
 import { RegionRepository } from './persistence/repositories/region.repository';
 import { BlockchainRepository } from './persistence/repositories/blockchain.repository';
 import { OutboxRepository } from './persistence/repositories/outbox.repository';
+import { ProcessedEventRepository } from './persistence/repositories/processed-event.repository';
 import { RedisService } from './redis/redis.service';
 import { KafkaProducerService } from './kafka/kafka-producer.service';
 import { KavaBlockchainService } from './blockchain/kava-blockchain.service';
+import { ContributionDistributionConsumer } from './kafka/consumers/contribution-distribution.consumer';
+import { UserRegisteredConsumer } from './kafka/consumers/user-registered.consumer';
 
 @Global()
 @Module({
@@ -32,6 +35,9 @@ import { KavaBlockchainService } from './blockchain/kava-blockchain.service';
             producer: {
               allowAutoTopicCreation: true,
             },
+            consumer: {
+              groupId: 'mining-wallet-service-group',
+            },
           },
         }),
         inject: [ConfigService],
@@ -46,9 +52,13 @@ import { KavaBlockchainService } from './blockchain/kava-blockchain.service';
     RegionRepository,
     BlockchainRepository,
     OutboxRepository,
+    ProcessedEventRepository,
     // Services
     KafkaProducerService,
     KavaBlockchainService,
+    // Consumers
+    ContributionDistributionConsumer,
+    UserRegisteredConsumer,
     {
       provide: 'REDIS_OPTIONS',
       useFactory: (configService: ConfigService) => ({
@@ -69,6 +79,7 @@ import { KavaBlockchainService } from './blockchain/kava-blockchain.service';
     RegionRepository,
     BlockchainRepository,
     OutboxRepository,
+    ProcessedEventRepository,
     // Services
     KafkaProducerService,
     KavaBlockchainService,
diff --git a/backend/services/mining-wallet-service/src/infrastructure/kafka/consumers/contribution-distribution.consumer.ts b/backend/services/mining-wallet-service/src/infrastructure/kafka/consumers/contribution-distribution.consumer.ts
new file mode 100644
index 00000000..e77b6964
--- /dev/null
+++ b/backend/services/mining-wallet-service/src/infrastructure/kafka/consumers/contribution-distribution.consumer.ts
@@ -0,0 +1,156 @@
+import { Injectable, Logger, OnModuleInit } from '@nestjs/common';
+import { EventPattern, Payload } from '@nestjs/microservices';
+import Decimal from 'decimal.js';
+import { PrismaService } from '../../persistence/prisma/prisma.service';
+import { RedisService } from '../../redis/redis.service';
+import { ProcessedEventRepository } from '../../persistence/repositories/processed-event.repository';
+import { ContributionWalletService } from '../../../application/services/contribution-wallet.service';
+import { SystemAccountService } from '../../../application/services/system-account.service';
+import {
+  ContributionDistributionCompletedEvent,
+  ContributionDistributionPayload,
+} from '../events/contribution-distribution.event';
+
+// 4小时 TTL（秒）
+const IDEMPOTENCY_TTL_SECONDS = 4 * 60 * 60;
+
+@Injectable()
+export class ContributionDistributionConsumer implements OnModuleInit {
+  private readonly logger = new Logger(ContributionDistributionConsumer.name);
+
+  constructor(
+    private readonly prisma: PrismaService,
+    private readonly redis: RedisService,
+    private readonly processedEventRepo: ProcessedEventRepository,
+    private readonly contributionWalletService: ContributionWalletService,
+    private readonly systemAccountService: SystemAccountService,
+  ) {}
+
+  async onModuleInit() {
+    this.logger.log('ContributionDistributionConsumer initialized');
+  }
+
+  @EventPattern('contribution.distribution.completed')
+  async handleDistributionCompleted(
+    @Payload() message: any,
+  ): Promise<void> {
+    // 解析消息格式
+    const event: ContributionDistributionCompletedEvent =
+      message.value || message;
+    const eventId = event.eventId || message.eventId;
+
+    if (!eventId) {
+      this.logger.warn('Received event without eventId, skipping');
+      return;
+    }
+
+    this.logger.debug(`Processing distribution event: ${eventId}`);
+
+    // 幂等性检查
+    if (await this.isEventProcessed(eventId)) {
+      this.logger.debug(`Event ${eventId} already processed, skipping`);
+      return;
+    }
+
+    try {
+      await this.processDistribution(event.payload);
+
+      // 标记为已处理
+      await this.markEventProcessed(eventId, event.eventType);
+
+      this.logger.log(
+        `Distribution for adoption ${event.payload.adoptionId} processed successfully`,
+      );
+    } catch (error) {
+      this.logger.error(
+        `Failed to process distribution for adoption ${event.payload.adoptionId}`,
+        error instanceof Error ? error.stack : error,
+      );
+      throw error; // 让 Kafka 重试
+    }
+  }
+
+  private async processDistribution(
+    payload: ContributionDistributionPayload,
+  ): Promise<void> {
+    // 1. 处理用户贡献值
+    for (const userContrib of payload.userContributions) {
+      await this.contributionWalletService.creditContribution({
+        accountSequence: userContrib.accountSequence,
+        amount: new Decimal(userContrib.amount),
+        contributionType: userContrib.contributionType,
+        levelDepth: userContrib.levelDepth,
+        bonusTier: userContrib.bonusTier,
+        effectiveDate: new Date(userContrib.effectiveDate),
+        expireDate: new Date(userContrib.expireDate),
+        sourceAdoptionId: userContrib.sourceAdoptionId,
+        sourceAccountSequence: userContrib.sourceAccountSequence,
+      });
+    }
+
+    // 2. 处理系统账户贡献值
+    for (const sysContrib of payload.systemContributions) {
+      await this.contributionWalletService.creditSystemContribution({
+        accountType: sysContrib.accountType,
+        amount: new Decimal(sysContrib.amount),
+        provinceCode: sysContrib.provinceCode,
+        cityCode: sysContrib.cityCode,
+        neverExpires: sysContrib.neverExpires,
+        sourceAdoptionId: payload.adoptionId,
+        sourceAccountSequence: payload.adopterAccountSequence,
+      });
+    }
+
+    // 3. 处理未分配的贡献值（归总部）
+    for (const unalloc of payload.unallocatedToHeadquarters) {
+      await this.contributionWalletService.creditSystemContribution({
+        accountType: 'HEADQUARTERS',
+        amount: new Decimal(unalloc.amount),
+        neverExpires: true,
+        sourceAdoptionId: payload.adoptionId,
+        sourceAccountSequence: payload.adopterAccountSequence,
+        memo: unalloc.reason,
+      });
+    }
+  }
+
+  /**
+   * 幂等性检查 - Redis + DB 双重检查，4小时去重窗口
+   */
+  private async isEventProcessed(eventId: string): Promise<boolean> {
+    const redisKey = `processed-event:${eventId}`;
+
+    // 1. 先检查 Redis 缓存（快速路径）
+    const cached = await this.redis.get(redisKey);
+    if (cached) return true;
+
+    // 2. 检查数据库
+    const dbRecord = await this.processedEventRepo.findByEventId(eventId);
+    if (dbRecord) {
+      // 回填 Redis 缓存
+      await this.redis.set(redisKey, '1', IDEMPOTENCY_TTL_SECONDS);
+      return true;
+    }
+
+    return false;
+  }
+
+  /**
+   * 标记事件为已处理
+   */
+  private async markEventProcessed(
+    eventId: string,
+    eventType: string,
+  ): Promise<void> {
+    // 1. 写入数据库
+    await this.processedEventRepo.create({
+      eventId,
+      eventType,
+      sourceService: 'contribution-service',
+    });
+
+    // 2. 写入 Redis 缓存（4小时 TTL）
+    const redisKey = `processed-event:${eventId}`;
+    await this.redis.set(redisKey, '1', IDEMPOTENCY_TTL_SECONDS);
+  }
+}
diff --git a/backend/services/mining-wallet-service/src/infrastructure/kafka/consumers/user-registered.consumer.ts b/backend/services/mining-wallet-service/src/infrastructure/kafka/consumers/user-registered.consumer.ts
new file mode 100644
index 00000000..4f2ea634
--- /dev/null
+++ b/backend/services/mining-wallet-service/src/infrastructure/kafka/consumers/user-registered.consumer.ts
@@ -0,0 +1,118 @@
+import { Injectable, Logger, OnModuleInit } from '@nestjs/common';
+import { EventPattern, Payload } from '@nestjs/microservices';
+import { RedisService } from '../../redis/redis.service';
+import { ProcessedEventRepository } from '../../persistence/repositories/processed-event.repository';
+import { UserWalletService } from '../../../application/services/user-wallet.service';
+import { UserRegisteredEvent } from '../events/contribution-distribution.event';
+
+// 4小时 TTL（秒）
+const IDEMPOTENCY_TTL_SECONDS = 4 * 60 * 60;
+
+@Injectable()
+export class UserRegisteredConsumer implements OnModuleInit {
+  private readonly logger = new Logger(UserRegisteredConsumer.name);
+
+  constructor(
+    private readonly redis: RedisService,
+    private readonly processedEventRepo: ProcessedEventRepository,
+    private readonly userWalletService: UserWalletService,
+  ) {}
+
+  async onModuleInit() {
+    this.logger.log('UserRegisteredConsumer initialized');
+  }
+
+  @EventPattern('auth.user.registered')
+  async handleUserRegistered(@Payload() message: any): Promise<void> {
+    // 解析消息格式
+    const event: UserRegisteredEvent = message.value || message;
+    const eventId = event.eventId || message.eventId;
+
+    if (!eventId) {
+      this.logger.warn('Received event without eventId, skipping');
+      return;
+    }
+
+    const { accountSequence } = event.payload;
+
+    this.logger.debug(
+      `Processing user registered event: ${eventId}, accountSequence: ${accountSequence}`,
+    );
+
+    // 幂等性检查
+    if (await this.isEventProcessed(eventId)) {
+      this.logger.debug(`Event ${eventId} already processed, skipping`);
+      return;
+    }
+
+    try {
+      // 为用户创建所有类型的钱包
+      await this.userWalletService.createWalletsForUser(accountSequence);
+
+      // 标记为已处理
+      await this.markEventProcessed(eventId, event.eventType);
+
+      this.logger.log(
+        `Wallets created for user ${accountSequence}, source: ${event.payload.source}`,
+      );
+    } catch (error) {
+      // 如果是重复创建钱包的错误，忽略
+      if (
+        error instanceof Error &&
+        error.message.includes('Unique constraint')
+      ) {
+        this.logger.debug(
+          `Wallets already exist for user ${accountSequence}, marking as processed`,
+        );
+        await this.markEventProcessed(eventId, event.eventType);
+        return;
+      }
+
+      this.logger.error(
+        `Failed to create wallets for user ${accountSequence}`,
+        error instanceof Error ? error.stack : error,
+      );
+      throw error; // 让 Kafka 重试
+    }
+  }
+
+  /**
+   * 幂等性检查 - Redis + DB 双重检查，4小时去重窗口
+   */
+  private async isEventProcessed(eventId: string): Promise<boolean> {
+    const redisKey = `processed-event:${eventId}`;
+
+    // 1. 先检查 Redis 缓存（快速路径）
+    const cached = await this.redis.get(redisKey);
+    if (cached) return true;
+
+    // 2. 检查数据库
+    const dbRecord = await this.processedEventRepo.findByEventId(eventId);
+    if (dbRecord) {
+      // 回填 Redis 缓存
+      await this.redis.set(redisKey, '1', IDEMPOTENCY_TTL_SECONDS);
+      return true;
+    }
+
+    return false;
+  }
+
+  /**
+   * 标记事件为已处理
+   */
+  private async markEventProcessed(
+    eventId: string,
+    eventType: string,
+  ): Promise<void> {
+    // 1. 写入数据库
+    await this.processedEventRepo.create({
+      eventId,
+      eventType,
+      sourceService: 'auth-service',
+    });
+
+    // 2. 写入 Redis 缓存（4小时 TTL）
+    const redisKey = `processed-event:${eventId}`;
+    await this.redis.set(redisKey, '1', IDEMPOTENCY_TTL_SECONDS);
+  }
+}
diff --git a/backend/services/mining-wallet-service/src/infrastructure/kafka/events/contribution-distribution.event.ts b/backend/services/mining-wallet-service/src/infrastructure/kafka/events/contribution-distribution.event.ts
new file mode 100644
index 00000000..03059a60
--- /dev/null
+++ b/backend/services/mining-wallet-service/src/infrastructure/kafka/events/contribution-distribution.event.ts
@@ -0,0 +1,72 @@
+/**
+ * 贡献值分配完成事件
+ * 来自 contribution-service
+ */
+export interface ContributionDistributionCompletedEvent {
+  eventType: 'ContributionDistributionCompleted';
+  eventId: string;
+  timestamp: string;
+  payload: ContributionDistributionPayload;
+}
+
+export interface ContributionDistributionPayload {
+  // 认种信息
+  adoptionId: string;
+  adopterAccountSequence: string;
+  treeCount: number;
+  adoptionDate: string;
+
+  // 用户贡献值分配
+  userContributions: UserContributionItem[];
+
+  // 系统账户分配
+  systemContributions: SystemContributionItem[];
+
+  // 未分配（归总部）
+  unallocatedToHeadquarters: UnallocatedContributionItem[];
+}
+
+export interface UserContributionItem {
+  accountSequence: string;
+  contributionType: 'PERSONAL' | 'TEAM_LEVEL' | 'TEAM_BONUS';
+  amount: string;
+  levelDepth?: number; // 1-15 for TEAM_LEVEL
+  bonusTier?: number; // 1-3 for TEAM_BONUS
+  effectiveDate: string;
+  expireDate: string;
+  sourceAdoptionId: string;
+  sourceAccountSequence: string;
+}
+
+export interface SystemContributionItem {
+  accountType: 'OPERATION' | 'PROVINCE' | 'CITY' | 'HEADQUARTERS';
+  amount: string;
+  provinceCode?: string;
+  cityCode?: string;
+  neverExpires: boolean;
+}
+
+export interface UnallocatedContributionItem {
+  reason: string;
+  amount: string;
+  wouldBeAccountSequence?: string;
+  levelDepth?: number;
+  bonusTier?: number;
+}
+
+/**
+ * 用户注册事件
+ * 来自 auth-service
+ */
+export interface UserRegisteredEvent {
+  eventType: 'UserRegistered';
+  eventId: string;
+  timestamp: string;
+  payload: {
+    accountSequence: string;
+    phone: string;
+    referrerAccountSequence: string | null;
+    registeredAt: string;
+    source: 'LEGACY_MIGRATION' | 'NEW_REGISTRATION';
+  };
+}
diff --git a/backend/services/mining-wallet-service/src/infrastructure/persistence/repositories/outbox.repository.ts b/backend/services/mining-wallet-service/src/infrastructure/persistence/repositories/outbox.repository.ts
index 31d8be96..81a99736 100644
--- a/backend/services/mining-wallet-service/src/infrastructure/persistence/repositories/outbox.repository.ts
+++ b/backend/services/mining-wallet-service/src/infrastructure/persistence/repositories/outbox.repository.ts
@@ -4,6 +4,24 @@ import { OutboxEvent, OutboxStatus } from '@prisma/client';
 
 @Injectable()
 export class OutboxRepository {
+  /**
+   * 退避时间配置（毫秒）
+   * 第1次: 30s, 第2次: 1min, 第3次: 2min, 第4次: 5min,
+   * 第5次: 10min, 第6次: 30min, 第7次: 1h, 第8次: 2h, 第9次: 4h, 第10次: 4h
+   */
+  private readonly BACKOFF_INTERVALS = [
+    30_000, // 30 seconds
+    60_000, // 1 minute
+    120_000, // 2 minutes
+    300_000, // 5 minutes
+    600_000, // 10 minutes
+    1_800_000, // 30 minutes
+    3_600_000, // 1 hour
+    7_200_000, // 2 hours
+    14_400_000, // 4 hours (max)
+    14_400_000, // 4 hours (max)
+  ];
+
   constructor(private readonly prisma: PrismaService) {}
 
   /**
@@ -58,7 +76,7 @@ export class OutboxRepository {
   }
 
   /**
-   * 标记事件发布失败，计算下次重试时间（指数退避，最大3小时）
+   * 标记事件发布失败，计算下次重试时间（指数退避，最大4小时）
    */
   async markAsFailed(
     id: string,
@@ -69,13 +87,12 @@ export class OutboxRepository {
     const newRetryCount = currentRetryCount + 1;
     const shouldFail = newRetryCount >= maxRetries;
 
-    // 指数退避: 30s, 60s, 120s, 240s, 480s, 960s, 1920s, 3840s, 7680s, 10800s (最大3小时)
-    const baseDelayMs = 30000; // 30 seconds
-    const maxDelayMs = 3 * 60 * 60 * 1000; // 3 hours
-    const delayMs = Math.min(
-      baseDelayMs * Math.pow(2, newRetryCount - 1),
-      maxDelayMs,
+    // 使用预定义的退避时间表
+    const backoffIndex = Math.min(
+      newRetryCount - 1,
+      this.BACKOFF_INTERVALS.length - 1,
     );
+    const delayMs = this.BACKOFF_INTERVALS[backoffIndex];
 
     await this.prisma.outboxEvent.update({
       where: { id },
diff --git a/backend/services/mining-wallet-service/src/infrastructure/persistence/repositories/processed-event.repository.ts b/backend/services/mining-wallet-service/src/infrastructure/persistence/repositories/processed-event.repository.ts
new file mode 100644
index 00000000..26e95315
--- /dev/null
+++ b/backend/services/mining-wallet-service/src/infrastructure/persistence/repositories/processed-event.repository.ts
@@ -0,0 +1,56 @@
+import { Injectable } from '@nestjs/common';
+import { PrismaService } from '../prisma/prisma.service';
+import { ProcessedEvent } from '@prisma/client';
+
+@Injectable()
+export class ProcessedEventRepository {
+  constructor(private readonly prisma: PrismaService) {}
+
+  /**
+   * 根据 eventId 查找已处理的事件
+   */
+  async findByEventId(eventId: string): Promise<ProcessedEvent | null> {
+    return this.prisma.processedEvent.findUnique({
+      where: { eventId },
+    });
+  }
+
+  /**
+   * 创建已处理事件记录
+   */
+  async create(data: {
+    eventId: string;
+    eventType: string;
+    sourceService: string;
+  }): Promise<ProcessedEvent> {
+    return this.prisma.processedEvent.create({
+      data: {
+        eventId: data.eventId,
+        eventType: data.eventType,
+        sourceService: data.sourceService,
+      },
+    });
+  }
+
+  /**
+   * 删除过期的已处理事件记录（保留24小时）
+   */
+  async deleteOldEvents(olderThan: Date): Promise<number> {
+    const result = await this.prisma.processedEvent.deleteMany({
+      where: {
+        processedAt: { lt: olderThan },
+      },
+    });
+    return result.count;
+  }
+
+  /**
+   * 检查事件是否已处理
+   */
+  async isProcessed(eventId: string): Promise<boolean> {
+    const count = await this.prisma.processedEvent.count({
+      where: { eventId },
+    });
+    return count > 0;
+  }
+}