diff --git a/backend/scripts/init-hot-wallet.sh b/backend/scripts/init-hot-wallet.sh
index e90c23df..4bdee317 100644
--- a/backend/scripts/init-hot-wallet.sh
+++ b/backend/scripts/init-hot-wallet.sh
@@ -6,8 +6,10 @@
 # 用途: 创建系统热钱包的 MPC 密钥，用于提现转账
 #
 # 前提条件:
-#   1. mpc-service 正在运行
+#   1. mpc-service 正在运行 (默认端口 3013)
 #   2. mpc-system 正在运行且所有 party 已启动
+#   3. jq 已安装 (用于解析 JSON)
+#   4. curl 已安装
 #
 # 使用方法:
 #   ./init-hot-wallet.sh [options]
@@ -17,171 +19,435 @@
 #   -n, --threshold-n 总 party 数量 (默认: 3)
 #   -t, --threshold-t 签名门限值 (默认: 2)
 #   -h, --host        mpc-service 地址 (默认: http://localhost:3013)
+#   -v, --verbose     显示详细调试信息
 #   --help            显示帮助
 #
+# 示例:
+#   ./init-hot-wallet.sh
+#   ./init-hot-wallet.sh -u my-hot-wallet -h http://192.168.1.111:3013
+#   ./init-hot-wallet.sh --username prod-hot-wallet --threshold-n 3 --threshold-t 2
+#
 # =============================================================================
 
 set -e
 
+# 颜色定义
+RED='\033[0;31m'
+GREEN='\033[0;32m'
+YELLOW='\033[1;33m'
+BLUE='\033[0;34m'
+CYAN='\033[0;36m'
+NC='\033[0m' # No Color
+
 # 默认配置
 USERNAME="system-hot-wallet"
 THRESHOLD_N=3
 THRESHOLD_T=2
 MPC_HOST="http://localhost:3013"
+VERBOSE=false
+
+# 日志函数
+log_info() {
+  echo -e "${BLUE}[INFO]${NC} $1"
+}
+
+log_success() {
+  echo -e "${GREEN}[SUCCESS]${NC} $1"
+}
+
+log_warn() {
+  echo -e "${YELLOW}[WARN]${NC} $1"
+}
+
+log_error() {
+  echo -e "${RED}[ERROR]${NC} $1"
+}
+
+log_debug() {
+  if [ "$VERBOSE" = true ]; then
+    echo -e "${CYAN}[DEBUG]${NC} $1"
+  fi
+}
+
+# 显示帮助
+show_help() {
+  head -35 "$0" | tail -30
+  exit 0
+}
+
+# 检查依赖
+check_dependencies() {
+  log_info "检查依赖..."
+
+  if ! command -v curl &> /dev/null; then
+    log_error "curl 未安装，请先安装 curl"
+    exit 1
+  fi
+  log_debug "✓ curl 已安装"
+
+  if ! command -v jq &> /dev/null; then
+    log_error "jq 未安装，请先安装 jq"
+    echo "  Ubuntu/Debian: sudo apt-get install jq"
+    echo "  CentOS/RHEL:   sudo yum install jq"
+    echo "  macOS:         brew install jq"
+    exit 1
+  fi
+  log_debug "✓ jq 已安装"
+
+  log_success "依赖检查通过"
+}
+
+# 检查服务连通性
+check_service() {
+  log_info "检查 MPC 服务连通性..."
+
+  local health_url="$MPC_HOST/api/v1/health"
+  log_debug "请求: GET $health_url"
+
+  local response
+  response=$(curl -s -w "\n%{http_code}" --connect-timeout 5 "$health_url" 2>/dev/null) || {
+    log_error "无法连接到 MPC 服务: $MPC_HOST"
+    echo ""
+    echo "请检查:"
+    echo "  1. mpc-service 是否正在运行"
+    echo "  2. 地址和端口是否正确"
+    echo "  3. 网络是否可达"
+    exit 1
+  }
+
+  local http_code=$(echo "$response" | tail -1)
+  local body=$(echo "$response" | sed '$d')
+
+  log_debug "HTTP 状态码: $http_code"
+  log_debug "响应内容: $body"
+
+  if [ "$http_code" != "200" ]; then
+    log_error "MPC 服务响应异常 (HTTP $http_code)"
+    exit 1
+  fi
+
+  log_success "MPC 服务连接正常"
+}
 
 # 解析参数
-while [[ $# -gt 0 ]]; do
-  case $1 in
-    -u|--username)
-      USERNAME="$2"
-      shift 2
-      ;;
-    -n|--threshold-n)
-      THRESHOLD_N="$2"
-      shift 2
-      ;;
-    -t|--threshold-t)
-      THRESHOLD_T="$2"
-      shift 2
-      ;;
-    -h|--host)
-      MPC_HOST="$2"
-      shift 2
-      ;;
-    --help)
-      head -30 "$0" | tail -25
-      exit 0
-      ;;
-    *)
-      echo "未知参数: $1"
-      exit 1
-      ;;
-  esac
-done
+parse_args() {
+  while [[ $# -gt 0 ]]; do
+    case $1 in
+      -u|--username)
+        USERNAME="$2"
+        shift 2
+        ;;
+      -n|--threshold-n)
+        THRESHOLD_N="$2"
+        shift 2
+        ;;
+      -t|--threshold-t)
+        THRESHOLD_T="$2"
+        shift 2
+        ;;
+      -h|--host)
+        MPC_HOST="$2"
+        shift 2
+        ;;
+      -v|--verbose)
+        VERBOSE=true
+        shift
+        ;;
+      --help)
+        show_help
+        ;;
+      *)
+        log_error "未知参数: $1"
+        echo "使用 --help 查看帮助"
+        exit 1
+        ;;
+    esac
+  done
+}
 
-echo "=============================================="
-echo "热钱包 MPC 初始化"
-echo "=============================================="
-echo "用户名:      $USERNAME"
-echo "门限:        $THRESHOLD_T-of-$THRESHOLD_N"
-echo "MPC 服务:    $MPC_HOST"
-echo "=============================================="
-echo ""
+# 验证参数
+validate_params() {
+  if [ -z "$USERNAME" ]; then
+    log_error "用户名不能为空"
+    exit 1
+  fi
 
-# Step 1: 创建 Keygen 会话
-echo "[1/4] 创建 Keygen 会话..."
-KEYGEN_RESPONSE=$(curl -s -X POST "$MPC_HOST/mpc/keygen" \
-  -H "Content-Type: application/json" \
-  -d "{
+  if [ "$THRESHOLD_N" -lt 2 ]; then
+    log_error "总 party 数量 (threshold-n) 必须 >= 2"
+    exit 1
+  fi
+
+  if [ "$THRESHOLD_T" -lt 1 ] || [ "$THRESHOLD_T" -gt "$THRESHOLD_N" ]; then
+    log_error "签名门限 (threshold-t) 必须在 1 到 $THRESHOLD_N 之间"
+    exit 1
+  fi
+}
+
+# 创建 Keygen 会话
+create_keygen_session() {
+  log_info "创建 Keygen 会话..."
+
+  local url="$MPC_HOST/api/v1/mpc/keygen"
+  local payload="{
     \"username\": \"$USERNAME\",
     \"thresholdN\": $THRESHOLD_N,
     \"thresholdT\": $THRESHOLD_T,
     \"requireDelegate\": true
-  }")
+  }"
 
-SESSION_ID=$(echo "$KEYGEN_RESPONSE" | jq -r '.sessionId')
-STATUS=$(echo "$KEYGEN_RESPONSE" | jq -r '.status')
+  log_debug "请求: POST $url"
+  log_debug "负载: $payload"
 
-if [ "$SESSION_ID" == "null" ] || [ -z "$SESSION_ID" ]; then
-  echo "错误: 创建 Keygen 会话失败"
-  echo "响应: $KEYGEN_RESPONSE"
-  exit 1
-fi
+  KEYGEN_RESPONSE=$(curl -s -X POST "$url" \
+    -H "Content-Type: application/json" \
+    -d "$payload" \
+    --connect-timeout 30 \
+    --max-time 60)
 
-echo "会话 ID: $SESSION_ID"
-echo "状态: $STATUS"
-echo ""
+  log_debug "响应: $KEYGEN_RESPONSE"
 
-# Step 2: 轮询等待 Keygen 完成
-echo "[2/4] 等待 Keygen 完成..."
-MAX_ATTEMPTS=180  # 最多等待 6 分钟
-ATTEMPT=0
-PUBLIC_KEY=""
-
-while [ $ATTEMPT -lt $MAX_ATTEMPTS ]; do
-  STATUS_RESPONSE=$(curl -s -X GET "$MPC_HOST/mpc/keygen/$SESSION_ID/status")
-  STATUS=$(echo "$STATUS_RESPONSE" | jq -r '.status')
-  PUBLIC_KEY=$(echo "$STATUS_RESPONSE" | jq -r '.publicKey // empty')
-
-  echo "  轮询 #$((ATTEMPT + 1)): 状态=$STATUS"
-
-  if [ "$STATUS" == "completed" ]; then
-    echo ""
-    echo "Keygen 完成!"
-    break
-  fi
-
-  if [ "$STATUS" == "failed" ] || [ "$STATUS" == "expired" ]; then
-    echo ""
-    echo "错误: Keygen 失败，状态=$STATUS"
+  # 检查是否为有效 JSON
+  if ! echo "$KEYGEN_RESPONSE" | jq . &>/dev/null; then
+    log_error "API 返回无效 JSON"
+    echo "响应内容: $KEYGEN_RESPONSE"
     exit 1
   fi
 
-  ATTEMPT=$((ATTEMPT + 1))
-  sleep 2
-done
+  # 检查是否有错误
+  local error_msg=$(echo "$KEYGEN_RESPONSE" | jq -r '.message // .error // empty')
+  if [ -n "$error_msg" ] && [ "$error_msg" != "null" ]; then
+    local status_code=$(echo "$KEYGEN_RESPONSE" | jq -r '.statusCode // empty')
+    if [ -n "$status_code" ] && [ "$status_code" != "200" ] && [ "$status_code" != "201" ]; then
+      log_error "API 错误: $error_msg"
+      exit 1
+    fi
+  fi
 
-if [ "$STATUS" != "completed" ]; then
-  echo "错误: Keygen 超时"
+  SESSION_ID=$(echo "$KEYGEN_RESPONSE" | jq -r '.sessionId')
+  local status=$(echo "$KEYGEN_RESPONSE" | jq -r '.status')
+
+  if [ "$SESSION_ID" == "null" ] || [ -z "$SESSION_ID" ]; then
+    log_error "创建 Keygen 会话失败"
+    echo "响应: $KEYGEN_RESPONSE"
+    exit 1
+  fi
+
+  log_success "会话已创建"
+  echo "  会话 ID: $SESSION_ID"
+  echo "  状态:    $status"
+}
+
+# 等待 Keygen 完成
+wait_for_keygen() {
+  log_info "等待 Keygen 完成 (最多 6 分钟)..."
+  echo ""
+
+  local max_attempts=180  # 6 分钟 (每 2 秒轮询一次)
+  local attempt=0
+  local last_status=""
+  local spinner=('⠋' '⠙' '⠹' '⠸' '⠼' '⠴' '⠦' '⠧' '⠇' '⠏')
+  local spinner_idx=0
+
+  while [ $attempt -lt $max_attempts ]; do
+    local url="$MPC_HOST/api/v1/mpc/keygen/$SESSION_ID/status"
+    STATUS_RESPONSE=$(curl -s -X GET "$url" --connect-timeout 10)
+
+    log_debug "轮询响应: $STATUS_RESPONSE"
+
+    STATUS=$(echo "$STATUS_RESPONSE" | jq -r '.status')
+    PUBLIC_KEY=$(echo "$STATUS_RESPONSE" | jq -r '.publicKey // empty')
+
+    # 只在状态变化时输出
+    if [ "$STATUS" != "$last_status" ]; then
+      echo ""
+      echo "  状态变化: $last_status -> $STATUS"
+      last_status="$STATUS"
+    fi
+
+    # 显示进度
+    local elapsed=$((attempt * 2))
+    local spin_char="${spinner[$spinner_idx]}"
+    spinner_idx=$(( (spinner_idx + 1) % ${#spinner[@]} ))
+    printf "\r  ${spin_char} 等待中... (%d 秒)" "$elapsed"
+
+    if [ "$STATUS" == "completed" ]; then
+      echo ""
+      log_success "Keygen 完成!"
+      return 0
+    fi
+
+    if [ "$STATUS" == "failed" ]; then
+      echo ""
+      local error=$(echo "$STATUS_RESPONSE" | jq -r '.error // "未知错误"')
+      log_error "Keygen 失败: $error"
+      exit 1
+    fi
+
+    if [ "$STATUS" == "expired" ]; then
+      echo ""
+      log_error "Keygen 会话已过期"
+      exit 1
+    fi
+
+    attempt=$((attempt + 1))
+    sleep 2
+  done
+
+  echo ""
+  log_error "Keygen 超时 (6 分钟)"
   exit 1
-fi
+}
 
-# Step 3: 显示公钥
-echo ""
-echo "[3/4] 获取公钥..."
-if [ -z "$PUBLIC_KEY" ]; then
-  # 再次获取状态以确保拿到公钥
-  STATUS_RESPONSE=$(curl -s -X GET "$MPC_HOST/mpc/keygen/$SESSION_ID/status")
-  PUBLIC_KEY=$(echo "$STATUS_RESPONSE" | jq -r '.publicKey')
-fi
+# 获取公钥
+get_public_key() {
+  log_info "获取公钥..."
 
-if [ -z "$PUBLIC_KEY" ] || [ "$PUBLIC_KEY" == "null" ]; then
-  echo "错误: 无法获取公钥"
-  exit 1
-fi
+  if [ -z "$PUBLIC_KEY" ] || [ "$PUBLIC_KEY" == "null" ]; then
+    # 再次获取状态以确保拿到公钥
+    local url="$MPC_HOST/api/v1/mpc/keygen/$SESSION_ID/status"
+    STATUS_RESPONSE=$(curl -s -X GET "$url")
+    PUBLIC_KEY=$(echo "$STATUS_RESPONSE" | jq -r '.publicKey')
+  fi
 
-echo "公钥: $PUBLIC_KEY"
+  if [ -z "$PUBLIC_KEY" ] || [ "$PUBLIC_KEY" == "null" ]; then
+    log_error "无法获取公钥"
+    exit 1
+  fi
 
-# Step 4: 从公钥派生 EVM 地址
-echo ""
-echo "[4/4] 派生 EVM 地址..."
+  log_success "公钥获取成功"
+  echo "  公钥: ${PUBLIC_KEY:0:16}...${PUBLIC_KEY: -16}"
+}
 
-# 使用 node 计算地址（如果安装了 ethers）
-if command -v node &> /dev/null; then
-  ADDRESS=$(node -e "
-    const { computeAddress } = require('ethers');
-    try {
-      const address = computeAddress('0x$PUBLIC_KEY');
-      console.log(address);
-    } catch (e) {
-      console.error('Error:', e.message);
-      process.exit(1);
-    }
-  " 2>/dev/null || echo "")
+# 派生 EVM 地址
+derive_address() {
+  log_info "派生 EVM 地址..."
 
-  if [ -n "$ADDRESS" ] && [ "$ADDRESS" != "Error:"* ]; then
-    echo "EVM 地址: $ADDRESS"
+  ADDRESS=""
+
+  # 方法 1: 使用 node + ethers
+  if command -v node &> /dev/null; then
+    log_debug "尝试使用 Node.js + ethers 计算地址"
+
+    ADDRESS=$(node -e "
+      try {
+        const { computeAddress } = require('ethers');
+        const address = computeAddress('0x$PUBLIC_KEY');
+        console.log(address);
+      } catch (e) {
+        // ethers 可能未安装
+        process.exit(1);
+      }
+    " 2>/dev/null) || ADDRESS=""
+  fi
+
+  # 方法 2: 使用 Python + web3 (备选)
+  if [ -z "$ADDRESS" ] && command -v python3 &> /dev/null; then
+    log_debug "尝试使用 Python + eth_keys 计算地址"
+
+    ADDRESS=$(python3 -c "
+try:
+    from eth_keys import keys
+    from eth_utils import to_checksum_address
+    public_key_bytes = bytes.fromhex('$PUBLIC_KEY')
+    if len(public_key_bytes) == 65 and public_key_bytes[0] == 4:
+        public_key_bytes = public_key_bytes[1:]
+    pk = keys.PublicKey(public_key_bytes)
+    print(pk.to_checksum_address())
+except Exception as e:
+    pass
+" 2>/dev/null) || ADDRESS=""
+  fi
+
+  # 方法 3: 使用 openssl + keccak256 (更复杂，暂不实现)
+
+  if [ -n "$ADDRESS" ]; then
+    log_success "EVM 地址派生成功"
+    echo "  地址: $ADDRESS"
   else
-    echo "提示: 无法自动计算地址，请手动计算"
+    log_warn "无法自动计算地址"
+    echo ""
+    echo "请手动从公钥计算 EVM 地址，或安装以下工具之一:"
+    echo "  - Node.js + ethers: npm install -g ethers"
+    echo "  - Python + eth_keys: pip install eth-keys eth-utils"
+    echo ""
     echo "公钥 (hex): $PUBLIC_KEY"
   fi
-else
-  echo "提示: 未安装 Node.js，请手动从公钥计算 EVM 地址"
-  echo "公钥 (hex): $PUBLIC_KEY"
-fi
+}
 
-echo ""
-echo "=============================================="
-echo "初始化完成!"
-echo "=============================================="
-echo ""
-echo "请将以下配置添加到 blockchain-service 的环境变量:"
-echo ""
-echo "  HOT_WALLET_USERNAME=$USERNAME"
-if [ -n "$ADDRESS" ] && [ "$ADDRESS" != "Error:"* ]; then
-  echo "  HOT_WALLET_ADDRESS=$ADDRESS"
-else
-  echo "  HOT_WALLET_ADDRESS=<从公钥计算的地址>"
-fi
-echo ""
-echo "=============================================="
+# 显示结果
+show_result() {
+  echo ""
+  echo -e "${GREEN}=============================================="
+  echo "热钱包初始化完成!"
+  echo "==============================================${NC}"
+  echo ""
+  echo "配置信息:"
+  echo "  用户名: $USERNAME"
+  echo "  门限:   $THRESHOLD_T-of-$THRESHOLD_N"
+  echo "  会话ID: $SESSION_ID"
+  echo "  公钥:   ${PUBLIC_KEY:0:32}..."
+  if [ -n "$ADDRESS" ]; then
+    echo "  地址:   $ADDRESS"
+  fi
+  echo ""
+  echo -e "${YELLOW}请将以下配置添加到环境变量:${NC}"
+  echo ""
+  echo "  # 在 backend/services/.env 中添加:"
+  echo "  HOT_WALLET_USERNAME=$USERNAME"
+  if [ -n "$ADDRESS" ]; then
+    echo "  HOT_WALLET_ADDRESS=$ADDRESS"
+  else
+    echo "  HOT_WALLET_ADDRESS=<请手动从公钥计算>"
+  fi
+  echo ""
+
+  # 如果有地址，提供一键复制的格式
+  if [ -n "$ADDRESS" ]; then
+    echo -e "${CYAN}一键复制 (追加到 .env):${NC}"
+    echo ""
+    echo "cat >> backend/services/.env << 'EOF'"
+    echo "# Hot Wallet Configuration (initialized $(date +%Y-%m-%d))"
+    echo "HOT_WALLET_USERNAME=$USERNAME"
+    echo "HOT_WALLET_ADDRESS=$ADDRESS"
+    echo "EOF"
+    echo ""
+  fi
+
+  echo "=============================================="
+}
+
+# 主函数
+main() {
+  echo ""
+  echo -e "${GREEN}=============================================="
+  echo "       热钱包 MPC 初始化脚本"
+  echo "==============================================${NC}"
+  echo ""
+
+  parse_args "$@"
+  validate_params
+
+  echo "配置:"
+  echo "  用户名:     $USERNAME"
+  echo "  门限:       $THRESHOLD_T-of-$THRESHOLD_N"
+  echo "  MPC 服务:   $MPC_HOST"
+  echo "  详细模式:   $VERBOSE"
+  echo ""
+
+  check_dependencies
+  check_service
+
+  echo ""
+  echo "开始初始化流程..."
+  echo ""
+
+  create_keygen_session
+  wait_for_keygen
+  get_public_key
+  derive_address
+
+  show_result
+}
+
+# 执行主函数
+main "$@"