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 5ceeb220..9a6d4b1d 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
@@ -7,6 +7,7 @@ import {
   IWithdrawalOrderRepository, WITHDRAWAL_ORDER_REPOSITORY,
   IPendingRewardRepository, PENDING_REWARD_REPOSITORY,
 } from '@/domain/repositories';
+import { PrismaService } from '@/infrastructure/persistence/prisma/prisma.service';
 import { LedgerEntry, DepositOrder, SettlementOrder, WithdrawalOrder, PendingReward, PendingRewardStatus } from '@/domain/aggregates';
 import {
   UserId, Money, Hashpower, LedgerEntryType, AssetType, ChainType, SettleCurrency,
@@ -87,6 +88,7 @@ export class WalletApplicationService {
     private readonly pendingRewardRepo: IPendingRewardRepository,
     private readonly walletCacheService: WalletCacheService,
     private readonly eventPublisher: EventPublisherService,
+    private readonly prisma: PrismaService,
   ) {}
 
   // =============== Commands ===============
@@ -1316,6 +1318,8 @@ export class WalletApplicationService {
    * 结算用户所有待领取奖励
    * 当用户认种后调用，将 PENDING 状态的奖励转为 SETTLED
    * 同时将金额和算力转入钱包的可结算余额
+   *
+   * 使用数据库事务确保 pending_rewards 状态更新和 wallet_accounts 余额更新的原子性
    */
   async settleUserPendingRewards(accountSequence: string): Promise<{
     settledCount: number;
@@ -1331,44 +1335,77 @@ export class WalletApplicationService {
     );
 
     if (pendingRewards.length === 0) {
+      this.logger.debug(`[settleUserPendingRewards] No pending rewards for ${accountSequence}`);
       return { settledCount: 0, totalUsdt: 0, totalHashpower: 0 };
     }
 
     let totalUsdt = 0;
     let totalHashpower = 0;
 
-    // 标记为已结算
+    // 计算总金额
     for (const reward of pendingRewards) {
-      reward.markAsSettled();
       totalUsdt += reward.usdtAmount.value;
       totalHashpower += reward.hashpowerAmount.value;
     }
 
-    // 批量更新状态
-    await this.pendingRewardRepo.updateAll(pendingRewards);
+    this.logger.log(`[settleUserPendingRewards] Found ${pendingRewards.length} pending rewards, total: ${totalUsdt} USDT, ${totalHashpower} hashpower`);
 
-    // 更新钱包可结算余额
+    // 使用事务确保原子性：pending_rewards 状态更新 + wallet_accounts 余额更新
+    await this.prisma.$transaction(async (tx) => {
+      // 1. 更新 pending_rewards 状态为 SETTLED
+      const now = new Date();
+      await tx.pendingReward.updateMany({
+        where: {
+          id: { in: pendingRewards.map(r => r.id) },
+          status: PendingRewardStatus.PENDING, // 双重检查，防止并发问题
+        },
+        data: {
+          status: PendingRewardStatus.SETTLED,
+          settledAt: now,
+        },
+      });
+
+      // 2. 更新 wallet_accounts 可结算余额
+      const walletRecord = await tx.walletAccount.findUnique({
+        where: { accountSequence },
+      });
+
+      if (walletRecord) {
+        await tx.walletAccount.update({
+          where: { accountSequence },
+          data: {
+            settleableUsdt: { increment: totalUsdt },
+            settleableHashpower: { increment: totalHashpower },
+            hashpower: { increment: totalHashpower },
+            // 同时减少 pending 余额
+            pendingUsdt: { decrement: totalUsdt },
+            pendingHashpower: { decrement: totalHashpower },
+          },
+        });
+
+        // 3. 记录流水
+        if (totalUsdt > 0) {
+          await tx.ledgerEntry.create({
+            data: {
+              accountSequence,
+              userId: walletRecord.userId,
+              entryType: LedgerEntryType.REWARD_TO_SETTLEABLE,
+              amount: totalUsdt,
+              assetType: 'USDT',
+              memo: `${pendingRewards.length} pending rewards settled`,
+            },
+          });
+        }
+
+        this.logger.log(`[settleUserPendingRewards] Transaction committed: ${pendingRewards.length} rewards settled for ${accountSequence}`);
+      } else {
+        this.logger.warn(`[settleUserPendingRewards] Wallet not found for ${accountSequence}, skipping wallet update`);
+      }
+    });
+
+    // 清除钱包缓存
     const wallet = await this.walletRepo.findByAccountSequence(accountSequence);
     if (wallet) {
-      // 将待领取转为可结算
-      wallet.addSettleableReward(
-        Money.USDT(totalUsdt),
-        Hashpower.create(totalHashpower),
-      );
-      await this.walletRepo.save(wallet);
-
-      // 记录流水
-      if (totalUsdt > 0) {
-        const ledgerEntry = LedgerEntry.create({
-          accountSequence,
-          userId: wallet.userId,
-          entryType: LedgerEntryType.REWARD_TO_SETTLEABLE,
-          amount: Money.USDT(totalUsdt),
-          memo: `${pendingRewards.length} pending rewards settled`,
-        });
-        await this.ledgerRepo.save(ledgerEntry);
-      }
-
       await this.walletCacheService.invalidateWallet(wallet.userId.value);
     }