diff --git a/backend/services/identity-service/src/api/dto/request/auto-create-account.dto.ts b/backend/services/identity-service/src/api/dto/request/auto-create-account.dto.ts
index 0b07911d..89550c18 100644
--- a/backend/services/identity-service/src/api/dto/request/auto-create-account.dto.ts
+++ b/backend/services/identity-service/src/api/dto/request/auto-create-account.dto.ts
@@ -33,9 +33,9 @@ export class AutoCreateAccountDto {
   @IsObject()
   deviceName?: DeviceNameDto;
 
-  @ApiPropertyOptional({ example: 'ABC123', description: '邀请人推荐码' })
+  @ApiPropertyOptional({ example: 'RWAABC1234', description: '邀请人推荐码 (6-20位大写字母和数字)' })
   @IsOptional()
   @IsString()
-  @Matches(/^[A-Z0-9]{6}$/, { message: '推荐码格式错误' })
+  @Matches(/^[A-Z0-9]{6,20}$/, { message: '推荐码格式错误' })
   inviterReferralCode?: string;
 }
diff --git a/backend/services/identity-service/src/domain/aggregates/user-account/user-account.aggregate.ts b/backend/services/identity-service/src/domain/aggregates/user-account/user-account.aggregate.ts
index 546df145..a3ecc05d 100644
--- a/backend/services/identity-service/src/domain/aggregates/user-account/user-account.aggregate.ts
+++ b/backend/services/identity-service/src/domain/aggregates/user-account/user-account.aggregate.ts
@@ -103,6 +103,7 @@ export class UserAccount {
     account.addDomainEvent(new UserAccountAutoCreatedEvent({
       userId: account.userId.toString(),
       accountSequence: params.accountSequence.value,
+      referralCode: account._referralCode.value,  // 用户的推荐码
       initialDeviceId: params.initialDeviceId,
       inviterSequence: params.inviterSequence?.value || null,
       registeredAt: account._registeredAt,
@@ -137,6 +138,7 @@ export class UserAccount {
     account.addDomainEvent(new UserAccountCreatedEvent({
       userId: account.userId.toString(),
       accountSequence: params.accountSequence.value,
+      referralCode: account._referralCode.value,  // 用户的推荐码
       phoneNumber: params.phoneNumber.value,
       initialDeviceId: params.initialDeviceId,
       inviterSequence: params.inviterSequence?.value || null,
diff --git a/backend/services/identity-service/src/domain/events/index.ts b/backend/services/identity-service/src/domain/events/index.ts
index 7c45aa0f..d5a65bb5 100644
--- a/backend/services/identity-service/src/domain/events/index.ts
+++ b/backend/services/identity-service/src/domain/events/index.ts
@@ -15,6 +15,7 @@ export class UserAccountAutoCreatedEvent extends DomainEvent {
     public readonly payload: {
       userId: string;
       accountSequence: string;  // 格式: D + YYMMDD + 5位序号
+      referralCode: string;     // 用户的推荐码（由 identity-service 生成）
       initialDeviceId: string;
       inviterSequence: string | null;  // 格式: D + YYMMDD + 5位序号
       registeredAt: Date;
@@ -33,6 +34,7 @@ export class UserAccountCreatedEvent extends DomainEvent {
     public readonly payload: {
       userId: string;
       accountSequence: string;  // 格式: D + YYMMDD + 5位序号
+      referralCode: string;     // 用户的推荐码（由 identity-service 生成）
       phoneNumber: string;
       initialDeviceId: string;
       inviterSequence: string | null;  // 格式: D + YYMMDD + 5位序号
diff --git a/backend/services/identity-service/src/domain/value-objects/referral-code.vo.ts b/backend/services/identity-service/src/domain/value-objects/referral-code.vo.ts
index 03626701..a272104d 100644
--- a/backend/services/identity-service/src/domain/value-objects/referral-code.vo.ts
+++ b/backend/services/identity-service/src/domain/value-objects/referral-code.vo.ts
@@ -2,12 +2,15 @@ import { DomainError } from '@/shared/exceptions/domain.exception';
 
 export class ReferralCode {
   constructor(public readonly value: string) {
-    if (!/^[A-Z0-9]{6}$/.test(value)) {
+    // 兼容 referral-service 的推荐码格式 (6-20位大写字母和数字)
+    if (!/^[A-Z0-9]{6,20}$/.test(value)) {
       throw new DomainError('推荐码格式错误');
     }
   }
 
   static generate(): ReferralCode {
+    // 生成6位随机推荐码（identity-service 本地生成）
+    // 注：referral-service 会生成10位的推荐码，两者都兼容
     const chars = 'ABCDEFGHIJKLMNOPQRSTUVWXYZ0123456789';
     let code = '';
     for (let i = 0; i < 6; i++) {
diff --git a/backend/services/planting-service/src/application/services/planting-application.service.ts b/backend/services/planting-service/src/application/services/planting-application.service.ts
index c257827a..c0456894 100644
--- a/backend/services/planting-service/src/application/services/planting-application.service.ts
+++ b/backend/services/planting-service/src/application/services/planting-application.service.ts
@@ -141,6 +141,7 @@ export class PlantingApplicationService {
 
   /**
    * 确认省市选择 (5秒后调用)
+   * 同时在wallet-service中创建对应的省市区域账户
    */
   async confirmProvinceCity(
     orderNo: string,
@@ -155,9 +156,33 @@ export class PlantingApplicationService {
       throw new Error('无权操作此订单');
     }
 
+    // 获取省市选择信息
+    const selection = order.provinceCitySelection;
+    if (!selection) {
+      throw new Error('请先选择省市');
+    }
+
+    // 确认省市选择
     order.confirmProvinceCity();
     await this.orderRepository.save(order);
 
+    // 确保省市区域账户存在（动态创建）
+    try {
+      const result = await this.walletService.ensureRegionAccounts({
+        provinceCode: selection.provinceCode,
+        provinceName: selection.provinceName,
+        cityCode: selection.cityCode,
+        cityName: selection.cityName,
+      });
+      this.logger.log(
+        `区域账户确保完成: 省=${result.provinceAccount.accountSequence}(created=${result.provinceAccount.created}), ` +
+        `市=${result.cityAccount.accountSequence}(created=${result.cityAccount.created})`
+      );
+    } catch (error) {
+      // 区域账户创建失败不影响省市确认流程，只记录日志
+      this.logger.warn(`创建区域账户失败，将在支付时重试: ${error.message}`);
+    }
+
     return { success: true };
   }
 
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 7e073350..ed24f882 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
@@ -386,4 +386,50 @@ export class WalletServiceClient {
       throw error;
     }
   }
+
+  /**
+   * 确保区域账户存在
+   * 在用户选择省市确认后调用，动态创建省/市区域账户
+   */
+  async ensureRegionAccounts(params: {
+    provinceCode: string;
+    provinceName: string;
+    cityCode: string;
+    cityName: string;
+  }): Promise<{
+    provinceAccount: { accountSequence: string; created: boolean };
+    cityAccount: { accountSequence: string; created: boolean };
+  }> {
+    try {
+      return await this.withRetry(
+        `ensureRegionAccounts(${params.provinceCode}, ${params.cityCode})`,
+        async () => {
+          const response = await firstValueFrom(
+            this.httpService.post<{
+              provinceAccount: { accountSequence: string; created: boolean };
+              cityAccount: { accountSequence: string; created: boolean };
+            }>(
+              `${this.baseUrl}/api/v1/wallets/ensure-region-accounts`,
+              params,
+            ),
+          );
+          return response.data;
+        },
+      );
+    } catch (error) {
+      this.logger.error(
+        `Failed to ensure region accounts: province=${params.provinceCode}, city=${params.cityCode}`,
+        error,
+      );
+      // 在开发环境模拟成功
+      if (this.configService.get('NODE_ENV') === 'development') {
+        this.logger.warn('Development mode: simulating region accounts creation');
+        return {
+          provinceAccount: { accountSequence: `9${params.provinceCode}`, created: true },
+          cityAccount: { accountSequence: `8${params.cityCode}`, created: true },
+        };
+      }
+      throw error;
+    }
+  }
 }
diff --git a/backend/services/referral-service/src/api/controllers/referral.controller.ts b/backend/services/referral-service/src/api/controllers/referral.controller.ts
index 729be4fc..71f8328c 100644
--- a/backend/services/referral-service/src/api/controllers/referral.controller.ts
+++ b/backend/services/referral-service/src/api/controllers/referral.controller.ts
@@ -192,6 +192,7 @@ export class ReferralController {
     const command = new CreateReferralRelationshipCommand(
       BigInt(dto.userId),
       dto.accountSequence,
+      dto.referralCode,
       dto.referrerCode ?? null,
       dto.inviterAccountSequence ?? null,
     );
diff --git a/backend/services/referral-service/src/api/dto/referral.dto.ts b/backend/services/referral-service/src/api/dto/referral.dto.ts
index 50fa717e..9b1e6745 100644
--- a/backend/services/referral-service/src/api/dto/referral.dto.ts
+++ b/backend/services/referral-service/src/api/dto/referral.dto.ts
@@ -18,7 +18,12 @@ export class CreateReferralDto {
   @IsString()
   accountSequence: string; // 格式: D + YYMMDD + 5位序号
 
-  @ApiPropertyOptional({ description: '推荐码', example: 'RWA123ABC' })
+  @ApiProperty({ description: '用户的推荐码（由 identity-service 生成）', example: 'ABC123' })
+  @IsString()
+  @Length(6, 20)
+  referralCode: string;
+
+  @ApiPropertyOptional({ description: '推荐人的推荐码', example: 'RWA123ABC' })
   @IsOptional()
   @IsString()
   @Length(6, 20)
diff --git a/backend/services/referral-service/src/application/commands/create-referral-relationship.command.ts b/backend/services/referral-service/src/application/commands/create-referral-relationship.command.ts
index 6f610e8c..d02e2121 100644
--- a/backend/services/referral-service/src/application/commands/create-referral-relationship.command.ts
+++ b/backend/services/referral-service/src/application/commands/create-referral-relationship.command.ts
@@ -2,6 +2,7 @@ export class CreateReferralRelationshipCommand {
   constructor(
     public readonly userId: bigint,
     public readonly accountSequence: string,  // 格式: D + YYMMDD + 5位序号
+    public readonly referralCode: string,     // 用户的推荐码（由 identity-service 生成）
     public readonly referrerCode: string | null = null,
     public readonly inviterAccountSequence: string | null = null,  // 格式: D + YYMMDD + 5位序号
   ) {}
diff --git a/backend/services/referral-service/src/application/event-handlers/user-registered.handler.ts b/backend/services/referral-service/src/application/event-handlers/user-registered.handler.ts
index b6c646aa..f4ff3307 100644
--- a/backend/services/referral-service/src/application/event-handlers/user-registered.handler.ts
+++ b/backend/services/referral-service/src/application/event-handlers/user-registered.handler.ts
@@ -9,6 +9,7 @@ import { CreateReferralRelationshipCommand } from '../commands';
 interface UserAccountCreatedPayload {
   userId: string;
   accountSequence: string;  // 格式: D + YYMMDD + 5位序号
+  referralCode: string;     // 用户的推荐码（由 identity-service 生成）
   inviterSequence: string | null;  // 格式: D + YYMMDD + 5位序号
   registeredAt: string;
   // UserAccountCreated 有 phoneNumber, UserAccountAutoCreated 没有
@@ -73,6 +74,7 @@ export class UserRegisteredHandler implements OnModuleInit {
       const command = new CreateReferralRelationshipCommand(
         userIdFromSequence, // 使用从 accountSequence 提取的数值作为 userId
         payload.accountSequence,  // 完整的 accountSequence 字符串
+        payload.referralCode,     // 用户的推荐码（由 identity-service 生成）
         null, // referrerCode - 不通过推荐码查找
         payload.inviterSequence, // 通过 accountSequence 查找推荐人
       );
diff --git a/backend/services/referral-service/src/application/services/referral.service.ts b/backend/services/referral-service/src/application/services/referral.service.ts
index 2e354abf..5f4883ec 100644
--- a/backend/services/referral-service/src/application/services/referral.service.ts
+++ b/backend/services/referral-service/src/application/services/referral.service.ts
@@ -81,10 +81,11 @@ export class ReferralService {
       }
     }
 
-    // 创建推荐关系（传入推荐人的推荐码）
+    // 创建推荐关系（传入用户自己的推荐码和推荐人的推荐码）
     const relationship = ReferralRelationship.create(
       command.userId,
       command.accountSequence,
+      command.referralCode,   // 用户自己的推荐码（由 identity-service 生成）
       referrerId,
       referrerReferralCode,  // 推荐人的推荐码
       parentChain,
diff --git a/backend/services/referral-service/src/domain/aggregates/referral-relationship/referral-relationship.aggregate.ts b/backend/services/referral-service/src/domain/aggregates/referral-relationship/referral-relationship.aggregate.ts
index d985e827..fb19362f 100644
--- a/backend/services/referral-service/src/domain/aggregates/referral-relationship/referral-relationship.aggregate.ts
+++ b/backend/services/referral-service/src/domain/aggregates/referral-relationship/referral-relationship.aggregate.ts
@@ -72,6 +72,7 @@ export class ReferralRelationship {
    * 创建新的推荐关系 (用户注册时)
    * @param userId 新用户ID
    * @param accountSequence 新用户账户序号
+   * @param userReferralCode 用户自己的推荐码（由 identity-service 生成，直接传入）
    * @param referrerId 推荐人ID（可选）
    * @param referrerReferralCode 推荐人的推荐码（可选，如果有推荐人则必须提供）
    * @param parentReferralChain 推荐人的推荐链
@@ -79,13 +80,14 @@ export class ReferralRelationship {
   static create(
     userId: bigint,
     accountSequence: string,  // 格式: D + YYMMDD + 5位序号
+    userReferralCode: string, // 用户的推荐码（由 identity-service 生成）
     referrerId: bigint | null,
     referrerReferralCode: string | null,  // 推荐人的推荐码
     parentReferralChain: bigint[] = [],
   ): ReferralRelationship {
     const userIdVo = UserId.create(userId);
     const referrerIdVo = referrerId ? UserId.create(referrerId) : null;
-    const referralCode = ReferralCode.generate(userId);
+    const referralCode = ReferralCode.create(userReferralCode);  // 使用传入的推荐码，不再生成
     const usedReferralCode = referrerReferralCode ? ReferralCode.create(referrerReferralCode) : null;
     const referralChain = ReferralChain.create(referrerId, parentReferralChain);
     const now = new Date();
diff --git a/backend/services/wallet-service/prisma/migrations/20241213000000_seed_system_accounts/migration.sql b/backend/services/wallet-service/prisma/migrations/20241213000000_seed_system_accounts/migration.sql
index 4a127133..33640fda 100644
--- a/backend/services/wallet-service/prisma/migrations/20241213000000_seed_system_accounts/migration.sql
+++ b/backend/services/wallet-service/prisma/migrations/20241213000000_seed_system_accounts/migration.sql
@@ -2,13 +2,18 @@
 -- These accounts receive fixed allocations from each planting order
 -- Note: Province/City area accounts (9+provinceCode, 8+cityCode) are dynamically created
 --       when users select their planting location
+--
+-- System account user_id convention:
+--   - Fixed system accounts: -1 to -100 (negative to avoid conflict with real users)
+--   - Province area accounts: 9 + provinceCode (e.g., 9440000 for Guangdong)
+--   - City area accounts: 8 + cityCode (e.g., 8440100 for Guangzhou)
 
 -- S0000000001: 总部社区 (Headquarters Community)
 -- Receives: 基础费 9 USDT, 无推荐人的分享权益 500 USDT, 无授权的团队权益等
 INSERT INTO "wallet_accounts" (
     "account_sequence", "user_id", "status", "created_at", "updated_at"
 ) VALUES (
-    'S0000000001', 1, 'ACTIVE', CURRENT_TIMESTAMP, CURRENT_TIMESTAMP
+    'S0000000001', -1, 'ACTIVE', CURRENT_TIMESTAMP, CURRENT_TIMESTAMP
 ) ON CONFLICT ("account_sequence") DO NOTHING;
 
 -- S0000000002: 成本费账户 (Cost Fee Account)
@@ -16,7 +21,7 @@ INSERT INTO "wallet_accounts" (
 INSERT INTO "wallet_accounts" (
     "account_sequence", "user_id", "status", "created_at", "updated_at"
 ) VALUES (
-    'S0000000002', 2, 'ACTIVE', CURRENT_TIMESTAMP, CURRENT_TIMESTAMP
+    'S0000000002', -2, 'ACTIVE', CURRENT_TIMESTAMP, CURRENT_TIMESTAMP
 ) ON CONFLICT ("account_sequence") DO NOTHING;
 
 -- S0000000003: 运营费账户 (Operation Fee Account)
@@ -24,7 +29,7 @@ INSERT INTO "wallet_accounts" (
 INSERT INTO "wallet_accounts" (
     "account_sequence", "user_id", "status", "created_at", "updated_at"
 ) VALUES (
-    'S0000000003', 3, 'ACTIVE', CURRENT_TIMESTAMP, CURRENT_TIMESTAMP
+    'S0000000003', -3, 'ACTIVE', CURRENT_TIMESTAMP, CURRENT_TIMESTAMP
 ) ON CONFLICT ("account_sequence") DO NOTHING;
 
 -- S0000000004: RWAD底池账户 (RWAD Pool Injection Account)
@@ -32,5 +37,5 @@ INSERT INTO "wallet_accounts" (
 INSERT INTO "wallet_accounts" (
     "account_sequence", "user_id", "status", "created_at", "updated_at"
 ) VALUES (
-    'S0000000004', 4, 'ACTIVE', CURRENT_TIMESTAMP, CURRENT_TIMESTAMP
+    'S0000000004', -4, 'ACTIVE', CURRENT_TIMESTAMP, CURRENT_TIMESTAMP
 ) ON CONFLICT ("account_sequence") DO NOTHING;
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 38803ebc..84879faa 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
@@ -147,4 +147,23 @@ export class InternalWalletController {
     const result = await this.walletService.allocateFunds(command);
     return { success: result.success };
   }
+
+  @Post('ensure-region-accounts')
+  @Public()
+  @ApiOperation({ summary: '确保区域账户存在(内部API) - 在选择省市确认后调用' })
+  @ApiResponse({ status: 200, description: '区域账户创建结果' })
+  async ensureRegionAccounts(
+    @Body() dto: { provinceCode: string; provinceName: string; cityCode: string; cityName: string },
+  ) {
+    this.logger.log(`确保区域账户存在: 省=${dto.provinceName}(${dto.provinceCode}), 市=${dto.cityName}(${dto.cityCode})`);
+
+    const result = await this.walletService.ensureRegionAccounts({
+      provinceCode: dto.provinceCode,
+      provinceName: dto.provinceName,
+      cityCode: dto.cityCode,
+      cityName: dto.cityName,
+    });
+
+    return result;
+  }
 }
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 300ece1b..7c66644f 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
@@ -622,28 +622,27 @@ export class WalletApplicationService {
   ): Promise<void> {
     // targetId 是 accountSequence
     // - 用户账户: D2512120001
-    // - 固定系统账户: S0000000001
-    // - 省区域账户: 9440000 (9 + provinceCode)
-    // - 市区域账户: 8440100 (8 + cityCode)
+    // - 固定系统账户: S0000000001 (userId: -1 to -100, 由migration seed创建)
+    // - 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)
-    // 省区域: 使用 9 + provinceCode 作为 userId
-    // 市区域: 使用 8 + cityCode 作为 userId
     let systemUserId = BigInt(0);
     const targetId = allocation.targetId;
     if (targetId.startsWith('9')) {
-      // 省区域账户: 9440000 -> userId = 9440000
+      // 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
+      // 市区域账户: 8440100 -> userId = 8440100 (动态创建)
       systemUserId = BigInt(targetId);
     } else if (targetId.startsWith('S')) {
-      // 固定系统账户: S0000000001 -> userId 从后面的数字提取
+      // 固定系统账户: S0000000001 -> userId = -1 (负数，由seed创建，直接查找)
       const numPart = targetId.slice(1);
-      systemUserId = BigInt(parseInt(numPart, 10));
+      systemUserId = BigInt(-parseInt(numPart, 10));
     }
 
-    // 使用 getOrCreate 自动创建不存在的账户（包括省/市区域账户）
+    // 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）
+    // 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) {
       this.logger.warn(`Failed to get or create wallet for accountSequence ${allocation.targetId}`);
@@ -711,6 +710,67 @@ export class WalletApplicationService {
     // });
   }
 
+  // =============== Region Accounts ===============
+
+  /**
+   * 确保区域账户存在
+   * 在用户选择省市确认后调用，动态创建省/市区域账户
+   *
+   * 账户序列号规则:
+   * - 省区域账户: 9 + provinceCode (例: 9440000)
+   * - 市区域账户: 8 + cityCode (例: 8440100)
+   */
+  async ensureRegionAccounts(params: {
+    provinceCode: string;
+    provinceName: string;
+    cityCode: string;
+    cityName: string;
+  }): Promise<{
+    provinceAccount: { accountSequence: string; created: boolean };
+    cityAccount: { accountSequence: string; created: boolean };
+  }> {
+    const { provinceCode, provinceName, cityCode, cityName } = params;
+
+    // 省区域账户: 9 + provinceCode
+    const provinceAccountSequence = `9${provinceCode}`;
+    const provinceUserId = BigInt(provinceAccountSequence);
+
+    // 市区域账户: 8 + cityCode
+    const cityAccountSequence = `8${cityCode}`;
+    const cityUserId = BigInt(cityAccountSequence);
+
+    this.logger.log(`确保区域账户存在: 省=${provinceAccountSequence}, 市=${cityAccountSequence}`);
+
+    // 检查省账户是否已存在
+    let provinceWallet = await this.walletRepo.findByAccountSequence(provinceAccountSequence);
+    let provinceCreated = false;
+    if (!provinceWallet) {
+      provinceWallet = await this.walletRepo.getOrCreate(provinceAccountSequence, provinceUserId);
+      provinceCreated = true;
+      this.logger.log(`创建省区域账户: ${provinceAccountSequence} (${provinceName})`);
+    }
+
+    // 检查市账户是否已存在
+    let cityWallet = await this.walletRepo.findByAccountSequence(cityAccountSequence);
+    let cityCreated = false;
+    if (!cityWallet) {
+      cityWallet = await this.walletRepo.getOrCreate(cityAccountSequence, cityUserId);
+      cityCreated = true;
+      this.logger.log(`创建市区域账户: ${cityAccountSequence} (${cityName})`);
+    }
+
+    return {
+      provinceAccount: {
+        accountSequence: provinceAccountSequence,
+        created: provinceCreated,
+      },
+      cityAccount: {
+        accountSequence: cityAccountSequence,
+        created: cityCreated,
+      },
+    };
+  }
+
   // =============== Withdrawal ===============
 
   /**