diff --git a/backend/services/wallet-service/src/api/api.module.ts b/backend/services/wallet-service/src/api/api.module.ts
index e63d3903..5a1103cb 100644
--- a/backend/services/wallet-service/src/api/api.module.ts
+++ b/backend/services/wallet-service/src/api/api.module.ts
@@ -12,7 +12,7 @@ import {
 import { InternalWalletController } from './controllers/internal-wallet.controller';
 import { FiatWithdrawalController } from './controllers/fiat-withdrawal.controller';
 import { WalletApplicationService, FiatWithdrawalApplicationService, SystemWithdrawalApplicationService } from '@/application/services';
-import { DepositConfirmedHandler, PlantingCreatedHandler } from '@/application/event-handlers';
+import { DepositConfirmedHandler, PlantingCreatedHandler, UserAccountCreatedHandler } from '@/application/event-handlers';
 import { WithdrawalStatusHandler } from '@/application/event-handlers/withdrawal-status.handler';
 import { SystemWithdrawalStatusHandler } from '@/application/event-handlers/system-withdrawal-status.handler';
 import { ExpiredRewardsScheduler } from '@/application/schedulers';
@@ -44,6 +44,8 @@ import { JwtStrategy } from '@/shared/strategies/jwt.strategy';
     SystemWithdrawalApplicationService,
     DepositConfirmedHandler,
     PlantingCreatedHandler,
+    // [2026-01-08] 新增：用户注册时创建钱包的事件处理器
+    UserAccountCreatedHandler,
     WithdrawalStatusHandler,
     SystemWithdrawalStatusHandler,
     ExpiredRewardsScheduler,
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 cf99d8c4..f4327056 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
@@ -494,6 +494,45 @@ export class InternalWalletController {
     return result;
   }
 
+  // =============== 钱包预创建 API ===============
+  // [2026-01-08] 新增：确保用户钱包存在（用于用户注册时或内部转账前）
+  // 回滚方式：删除以下 API 方法即可
+
+  @Post('ensure-wallet')
+  @Public()
+  @ApiOperation({ summary: '确保用户钱包存在(内部API) - 幂等操作' })
+  @ApiResponse({ status: 200, description: '钱包信息' })
+  async ensureWalletExists(
+    @Body() dto: { accountSequence: string; userId: string },
+  ) {
+    this.logger.log(`========== ensure-wallet 请求 ==========`);
+    this.logger.log(`请求参数: ${JSON.stringify(dto)}`);
+
+    const result = await this.walletService.ensureWalletExists({
+      accountSequence: dto.accountSequence,
+      userId: dto.userId,
+    });
+
+    this.logger.log(`确保钱包结果: ${JSON.stringify(result)}`);
+    return result;
+  }
+
+  @Post('ensure-wallets')
+  @Public()
+  @ApiOperation({ summary: '批量确保用户钱包存在(内部API) - 幂等操作' })
+  @ApiResponse({ status: 200, description: '钱包信息列表' })
+  async ensureWalletsExist(
+    @Body() dto: { wallets: Array<{ accountSequence: string; userId: string }> },
+  ) {
+    this.logger.log(`========== ensure-wallets 请求 ==========`);
+    this.logger.log(`请求参数: ${dto.wallets.length} 个钱包`);
+
+    const results = await this.walletService.ensureWalletsExist(dto.wallets);
+
+    this.logger.log(`批量确保钱包结果: ${results.length} 个已处理`);
+    return { results };
+  }
+
   // [2026-01-06] 新增：手续费归集账户统计 API
   // 用于系统账户报表中的"手续费账户汇总" Tab
   // 回滚方式：删除以下 API 方法即可
diff --git a/backend/services/wallet-service/src/application/event-handlers/index.ts b/backend/services/wallet-service/src/application/event-handlers/index.ts
index 1bafeb97..250bc722 100644
--- a/backend/services/wallet-service/src/application/event-handlers/index.ts
+++ b/backend/services/wallet-service/src/application/event-handlers/index.ts
@@ -1,2 +1,3 @@
 export * from './deposit-confirmed.handler';
 export * from './planting-created.handler';
+export * from './user-account-created.handler';
diff --git a/backend/services/wallet-service/src/application/event-handlers/user-account-created.handler.ts b/backend/services/wallet-service/src/application/event-handlers/user-account-created.handler.ts
new file mode 100644
index 00000000..e7af2a14
--- /dev/null
+++ b/backend/services/wallet-service/src/application/event-handlers/user-account-created.handler.ts
@@ -0,0 +1,72 @@
+/**
+ * User Account Created Event Handler
+ *
+ * [2026-01-08] 新增：处理用户注册事件，自动创建钱包
+ * 确保内部转账时接收方钱包一定存在
+ *
+ * 回滚方式: 删除此文件
+ */
+
+import { Injectable, Logger, OnModuleInit } from '@nestjs/common';
+import { WalletApplicationService } from '@/application/services';
+import {
+  IdentityEventConsumerService,
+  UserAccountCreatedPayload,
+} from '@/infrastructure/kafka/identity-event-consumer.service';
+
+@Injectable()
+export class UserAccountCreatedHandler implements OnModuleInit {
+  private readonly logger = new Logger(UserAccountCreatedHandler.name);
+
+  constructor(
+    private readonly identityEventConsumer: IdentityEventConsumerService,
+    private readonly walletService: WalletApplicationService,
+  ) {}
+
+  onModuleInit() {
+    // 注册事件处理器
+    this.identityEventConsumer.onUserAccountCreated(
+      this.handleUserAccountCreated.bind(this),
+    );
+    this.logger.log(`[INIT] UserAccountCreatedHandler registered`);
+  }
+
+  /**
+   * 处理用户账户创建事件
+   * 在用户注册时自动创建钱包
+   */
+  private async handleUserAccountCreated(
+    payload: UserAccountCreatedPayload,
+  ): Promise<void> {
+    const { userId, accountSequence } = payload;
+
+    this.logger.log(
+      `[HANDLE] Processing user account created: accountSequence=${accountSequence}, userId=${userId}`,
+    );
+
+    try {
+      // 调用 walletService 确保钱包存在
+      const result = await this.walletService.ensureWalletExists({
+        accountSequence,
+        userId,
+      });
+
+      if (result.existed) {
+        this.logger.log(
+          `[HANDLE] Wallet already exists for ${accountSequence}, walletId=${result.walletId}`,
+        );
+      } else {
+        this.logger.log(
+          `[HANDLE] Created new wallet for ${accountSequence}, walletId=${result.walletId}`,
+        );
+      }
+    } catch (error) {
+      this.logger.error(
+        `[ERROR] Failed to create wallet for ${accountSequence}: ${error.message}`,
+        error.stack,
+      );
+      // 重新抛出异常以触发 Kafka 重试
+      throw error;
+    }
+  }
+}
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 b8ddc693..2fd50f81 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
@@ -1575,6 +1575,23 @@ export class WalletApplicationService {
       this.logger.log(
         `Internal transfer detected: ${wallet.accountSequence} -> ${toAccountSequence}`,
       );
+
+      // [2026-01-08] 兜底保障：确保接收方钱包存在
+      // 即使用户注册时已创建钱包，这里再次确认以防万一
+      try {
+        const ensureResult = await this.ensureWalletExists({
+          accountSequence: toAccountSequence,
+          userId: targetUser.userId,
+        });
+        this.logger.log(
+          `[WITHDRAWAL] Receiver wallet ensured: ${toAccountSequence}, existed=${ensureResult.existed}, walletId=${ensureResult.walletId}`,
+        );
+      } catch (error) {
+        this.logger.error(
+          `[WITHDRAWAL] Failed to ensure receiver wallet: ${toAccountSequence}, error: ${error.message}`,
+        );
+        // 不抛出异常，让后续流程继续（withdrawal-status.handler 也会兜底创建）
+      }
     }
 
     // 创建提现订单
@@ -3815,4 +3832,117 @@ export class WalletApplicationService {
       totalPages: Math.ceil(total / pageSize),
     };
   }
+
+  // =============== 钱包预创建 API ===============
+  // [2026-01-08] 新增：用户注册时预创建钱包，确保内部转账时接收方钱包一定存在
+  // 回滚方式：删除此方法即可
+
+  /**
+   * 确保用户钱包存在（幂等操作）
+   *
+   * 此方法用于：
+   * 1. 用户注册时预创建钱包（主要保障）
+   * 2. 内部转账前预校验并创建接收方钱包（兜底保障）
+   *
+   * 使用 upsert 确保幂等性，避免并发创建冲突
+   *
+   * @param accountSequence 账户序列号（跨服务唯一标识）
+   * @param userId 用户ID
+   * @returns 钱包是否已存在（existed）和当前钱包ID
+   */
+  async ensureWalletExists(params: {
+    accountSequence: string;
+    userId: string;
+  }): Promise<{
+    existed: boolean;
+    walletId: string;
+    accountSequence: string;
+  }> {
+    const { accountSequence, userId } = params;
+    const userIdBigint = BigInt(userId);
+
+    this.logger.log(`[ensureWalletExists] 确保钱包存在: accountSequence=${accountSequence}, userId=${userId}`);
+
+    // 先检查是否已存在
+    const existingWallet = await this.prisma.walletAccount.findUnique({
+      where: { accountSequence },
+    });
+
+    if (existingWallet) {
+      this.logger.log(`[ensureWalletExists] 钱包已存在: id=${existingWallet.id}, accountSequence=${accountSequence}`);
+      return {
+        existed: true,
+        walletId: existingWallet.id.toString(),
+        accountSequence,
+      };
+    }
+
+    // 使用 upsert 创建钱包（避免并发冲突）
+    const wallet = await this.prisma.walletAccount.upsert({
+      where: { accountSequence },
+      create: {
+        accountSequence,
+        userId: userIdBigint,
+        usdtAvailable: 0,
+        usdtFrozen: 0,
+        dstAvailable: 0,
+        dstFrozen: 0,
+        bnbAvailable: 0,
+        bnbFrozen: 0,
+        ogAvailable: 0,
+        ogFrozen: 0,
+        rwadAvailable: 0,
+        rwadFrozen: 0,
+        hashpower: 0,
+        pendingUsdt: 0,
+        pendingHashpower: 0,
+        settleableUsdt: 0,
+        settleableHashpower: 0,
+        settledTotalUsdt: 0,
+        settledTotalHashpower: 0,
+        expiredTotalUsdt: 0,
+        expiredTotalHashpower: 0,
+        status: 'ACTIVE',
+        hasPlanted: false,
+        version: 0,
+      },
+      update: {}, // 如果已存在，不做任何更新
+    });
+
+    // 判断是新创建还是已存在
+    const wasCreated = wallet.createdAt.getTime() > Date.now() - 1000; // 1秒内创建的认为是新创建
+
+    this.logger.log(`[ensureWalletExists] ${wasCreated ? '新创建' : '已存在'}钱包: id=${wallet.id}, accountSequence=${accountSequence}`);
+
+    return {
+      existed: !wasCreated,
+      walletId: wallet.id.toString(),
+      accountSequence,
+    };
+  }
+
+  /**
+   * 批量确保钱包存在（用于批量操作场景）
+   */
+  async ensureWalletsExist(params: Array<{
+    accountSequence: string;
+    userId: string;
+  }>): Promise<Array<{
+    existed: boolean;
+    walletId: string;
+    accountSequence: string;
+  }>> {
+    const results: Array<{
+      existed: boolean;
+      walletId: string;
+      accountSequence: string;
+    }> = [];
+
+    for (const param of params) {
+      const result = await this.ensureWalletExists(param);
+      results.push(result);
+    }
+
+    return results;
+  }
 }
diff --git a/backend/services/wallet-service/src/infrastructure/kafka/identity-event-consumer.service.ts b/backend/services/wallet-service/src/infrastructure/kafka/identity-event-consumer.service.ts
new file mode 100644
index 00000000..d0063371
--- /dev/null
+++ b/backend/services/wallet-service/src/infrastructure/kafka/identity-event-consumer.service.ts
@@ -0,0 +1,155 @@
+/**
+ * Identity Event Consumer Service for Wallet Service
+ *
+ * [2026-01-08] 新增：监听 identity-service 的用户注册事件
+ * 在用户注册时自动创建钱包，确保内部转账时接收方钱包一定存在
+ *
+ * 消费的事件:
+ * - identity.UserAccountCreated: 用户账户创建事件
+ * - identity.UserAccountAutoCreated: 自动创建账户事件
+ *
+ * 回滚方式: 删除此文件，并从 kafka.module.ts 中移除引用
+ */
+
+import { Injectable, Logger, OnModuleInit, OnModuleDestroy } from '@nestjs/common';
+import { ConfigService } from '@nestjs/config';
+import { Kafka, Consumer, logLevel, EachMessagePayload } from 'kafkajs';
+
+// identity-service 发布的用户事件 Topic
+export const IDENTITY_TOPICS = {
+  USER_ACCOUNT_CREATED: 'identity.UserAccountCreated',
+  USER_ACCOUNT_AUTO_CREATED: 'identity.UserAccountAutoCreated',
+} as const;
+
+// 用户账户创建事件的 payload 结构
+export interface UserAccountCreatedPayload {
+  userId: string;
+  accountSequence: string;
+  phoneNumber?: string;
+  nickname?: string;
+  referralCode?: string;
+  inviterUserId?: string;
+  createdAt: string;
+}
+
+export type UserAccountCreatedHandler = (payload: UserAccountCreatedPayload) => Promise<void>;
+
+@Injectable()
+export class IdentityEventConsumerService implements OnModuleInit, OnModuleDestroy {
+  private readonly logger = new Logger(IdentityEventConsumerService.name);
+  private kafka: Kafka;
+  private consumer: Consumer;
+  private isConnected = false;
+
+  private userAccountCreatedHandler?: UserAccountCreatedHandler;
+
+  constructor(private readonly configService: ConfigService) {}
+
+  async onModuleInit() {
+    const brokers = this.configService.get<string>('KAFKA_BROKERS')?.split(',') || ['localhost:9092'];
+    const clientId = this.configService.get<string>('KAFKA_CLIENT_ID') || 'wallet-service';
+    const groupId = 'wallet-service-identity-events';
+
+    this.logger.log(`[INIT] Identity Event Consumer initializing...`);
+    this.logger.log(`[INIT] ClientId: ${clientId}`);
+    this.logger.log(`[INIT] GroupId: ${groupId}`);
+    this.logger.log(`[INIT] Brokers: ${brokers.join(', ')}`);
+    this.logger.log(`[INIT] Topics: ${Object.values(IDENTITY_TOPICS).join(', ')}`);
+
+    // 企业级重试配置
+    this.kafka = new Kafka({
+      clientId,
+      brokers,
+      logLevel: logLevel.WARN,
+      retry: {
+        initialRetryTime: 1000,        // 1 秒
+        maxRetryTime: 300000,          // 最大 5 分钟
+        retries: 15,                   // 最多 15 次
+        multiplier: 2,                 // 指数退避因子
+        restartOnFailure: async () => true,
+      },
+    });
+
+    this.consumer = this.kafka.consumer({
+      groupId,
+      sessionTimeout: 30000,
+      heartbeatInterval: 3000,
+    });
+
+    try {
+      this.logger.log(`[CONNECT] Connecting Identity Event consumer...`);
+      await this.consumer.connect();
+      this.isConnected = true;
+      this.logger.log(`[CONNECT] Identity Event consumer connected successfully`);
+
+      await this.consumer.subscribe({
+        topics: Object.values(IDENTITY_TOPICS),
+        fromBeginning: false,
+      });
+      this.logger.log(`[SUBSCRIBE] Subscribed to identity topics`);
+
+      await this.startConsuming();
+    } catch (error) {
+      this.logger.error(`[ERROR] Failed to connect Identity Event consumer`, error);
+    }
+  }
+
+  async onModuleDestroy() {
+    if (this.isConnected) {
+      await this.consumer.disconnect();
+      this.logger.log('Identity Event consumer disconnected');
+    }
+  }
+
+  /**
+   * 注册用户账户创建事件处理器
+   */
+  onUserAccountCreated(handler: UserAccountCreatedHandler): void {
+    this.userAccountCreatedHandler = handler;
+    this.logger.log('[HANDLER] User account created handler registered');
+  }
+
+  private async startConsuming(): Promise<void> {
+    this.logger.log(`[CONSUME] Starting to consume identity events...`);
+
+    await this.consumer.run({
+      eachMessage: async (messagePayload: EachMessagePayload) => {
+        const { topic, partition, message } = messagePayload;
+
+        try {
+          if (!message.value) {
+            this.logger.warn(`[SKIP] Empty message from ${topic}`);
+            return;
+          }
+
+          const rawValue = message.value.toString();
+          this.logger.debug(`[RAW] Topic: ${topic}, Partition: ${partition}, Value: ${rawValue}`);
+
+          const eventMessage = JSON.parse(rawValue);
+          const payload = eventMessage.payload || eventMessage;
+
+          this.logger.log(`[RECEIVED] Event from ${topic}: userId=${payload.userId}, accountSequence=${payload.accountSequence}`);
+
+          // 处理用户账户创建事件
+          if (
+            topic === IDENTITY_TOPICS.USER_ACCOUNT_CREATED ||
+            topic === IDENTITY_TOPICS.USER_ACCOUNT_AUTO_CREATED
+          ) {
+            if (this.userAccountCreatedHandler) {
+              await this.userAccountCreatedHandler(payload as UserAccountCreatedPayload);
+              this.logger.log(`[SUCCESS] Processed user account created event: ${payload.accountSequence}`);
+            } else {
+              this.logger.warn(`[SKIP] No handler registered for user account created event`);
+            }
+          } else {
+            this.logger.warn(`[SKIP] Unknown topic: ${topic}`);
+          }
+        } catch (error) {
+          this.logger.error(`[ERROR] Error processing identity event from ${topic}`, error);
+          // 重新抛出异常以触发 Kafka 重试机制
+          throw error;
+        }
+      },
+    });
+  }
+}
diff --git a/backend/services/wallet-service/src/infrastructure/kafka/index.ts b/backend/services/wallet-service/src/infrastructure/kafka/index.ts
index d09e5652..7190d8d3 100644
--- a/backend/services/wallet-service/src/infrastructure/kafka/index.ts
+++ b/backend/services/wallet-service/src/infrastructure/kafka/index.ts
@@ -2,3 +2,4 @@ export * from './kafka.module';
 export * from './event-publisher.service';
 export * from './deposit-event-consumer.service';
 export * from './planting-event-consumer.service';
+export * from './identity-event-consumer.service';
diff --git a/backend/services/wallet-service/src/infrastructure/kafka/kafka.module.ts b/backend/services/wallet-service/src/infrastructure/kafka/kafka.module.ts
index 964e163e..3c2d3a1e 100644
--- a/backend/services/wallet-service/src/infrastructure/kafka/kafka.module.ts
+++ b/backend/services/wallet-service/src/infrastructure/kafka/kafka.module.ts
@@ -5,6 +5,8 @@ import { EventPublisherService } from './event-publisher.service';
 import { DepositEventConsumerService } from './deposit-event-consumer.service';
 import { PlantingEventConsumerService } from './planting-event-consumer.service';
 import { WithdrawalEventConsumerService } from './withdrawal-event-consumer.service';
+// [2026-01-08] 新增：Identity 事件消费者 - 用户注册时创建钱包
+import { IdentityEventConsumerService } from './identity-event-consumer.service';
 // [2026-01-07] 新增：Outbox Pattern 实现
 import { OutboxPublisherService } from './outbox-publisher.service';
 import { OutboxRepository } from '../persistence/repositories/outbox.repository';
@@ -45,6 +47,8 @@ import { PrismaService } from '../persistence/prisma/prisma.service';
     DepositEventConsumerService,
     PlantingEventConsumerService,
     WithdrawalEventConsumerService,
+    // [2026-01-08] 新增：Identity 事件消费者
+    IdentityEventConsumerService,
     // [2026-01-07] 新增：Outbox Pattern
     OutboxRepository,
     OutboxPublisherService,
@@ -54,6 +58,8 @@ import { PrismaService } from '../persistence/prisma/prisma.service';
     DepositEventConsumerService,
     PlantingEventConsumerService,
     WithdrawalEventConsumerService,
+    // [2026-01-08] 新增：导出 Identity 事件消费者
+    IdentityEventConsumerService,
     ClientsModule,
     // [2026-01-07] 新增：导出 Outbox 相关服务
     OutboxRepository,