diff --git a/backend/services/admin-service/src/pre-planting/pre-planting-config.controller.ts b/backend/services/admin-service/src/pre-planting/pre-planting-config.controller.ts
index acaf0851..2998050e 100644
--- a/backend/services/admin-service/src/pre-planting/pre-planting-config.controller.ts
+++ b/backend/services/admin-service/src/pre-planting/pre-planting-config.controller.ts
@@ -27,6 +27,11 @@ class TogglePrePlantingConfigDto {
   isActive: boolean;
 }
 
+class UpdatePrePlantingAgreementDto {
+  @IsString()
+  text: string;
+}
+
 @ApiTags('预种计划配置')
 @Controller('admin/pre-planting')
 export class PrePlantingConfigController {
@@ -124,6 +129,26 @@ export class PrePlantingConfigController {
   async getStats() {
     return this.proxyService.getStats();
   }
+
+  // ============================================
+  // [2026-02-28] 新增：预种协议管理
+  // ============================================
+
+  @Get('agreement')
+  @ApiOperation({ summary: '获取预种协议文本' })
+  @ApiResponse({ status: HttpStatus.OK, description: '协议文本' })
+  async getAgreement() {
+    const text = await this.configService.getAgreement();
+    return { text };
+  }
+
+  @Put('agreement')
+  @HttpCode(HttpStatus.OK)
+  @ApiOperation({ summary: '更新预种协议文本' })
+  @ApiResponse({ status: HttpStatus.OK, description: '更新成功' })
+  async updateAgreement(@Body() dto: UpdatePrePlantingAgreementDto) {
+    return this.configService.updateAgreement(dto.text);
+  }
 }
 
 /**
@@ -137,8 +162,10 @@ export class PublicPrePlantingConfigController {
   ) {}
 
   @Get('config')
-  @ApiOperation({ summary: '获取预种计划开关状态（内部API）' })
+  @ApiOperation({ summary: '获取预种计划开关状态（内部API，含协议文本）' })
   async getConfig() {
-    return this.configService.getConfig();
+    const config = await this.configService.getConfig();
+    const agreementText = await this.configService.getAgreement();
+    return { ...config, agreementText };
   }
 }
diff --git a/backend/services/admin-service/src/pre-planting/pre-planting-config.service.ts b/backend/services/admin-service/src/pre-planting/pre-planting-config.service.ts
index 0228729a..498f5889 100644
--- a/backend/services/admin-service/src/pre-planting/pre-planting-config.service.ts
+++ b/backend/services/admin-service/src/pre-planting/pre-planting-config.service.ts
@@ -25,6 +25,38 @@ export class PrePlantingConfigService {
     };
   }
 
+  /**
+   * 获取预种协议文本（从 system_configs 表读取）
+   */
+  async getAgreement(): Promise<string | null> {
+    const config = await this.prisma.systemConfig.findUnique({
+      where: { key: 'pre_planting_agreement' },
+    });
+    return config?.value ?? null;
+  }
+
+  /**
+   * 更新预种协议文本（upsert 到 system_configs 表）
+   */
+  async updateAgreement(text: string, updatedBy?: string): Promise<{ text: string }> {
+    await this.prisma.systemConfig.upsert({
+      where: { key: 'pre_planting_agreement' },
+      create: {
+        key: 'pre_planting_agreement',
+        value: text,
+        description: '预种计划购买协议文本',
+        updatedBy: updatedBy || null,
+      },
+      update: {
+        value: text,
+        updatedBy: updatedBy || null,
+      },
+    });
+
+    this.logger.log(`[PRE-PLANTING] Agreement text updated by ${updatedBy || 'unknown'}`);
+    return { text };
+  }
+
   async updateConfig(
     isActive: boolean,
     updatedBy?: string,
diff --git a/backend/services/planting-service/src/pre-planting/api/controllers/pre-planting-public.controller.ts b/backend/services/planting-service/src/pre-planting/api/controllers/pre-planting-public.controller.ts
new file mode 100644
index 00000000..a7523294
--- /dev/null
+++ b/backend/services/planting-service/src/pre-planting/api/controllers/pre-planting-public.controller.ts
@@ -0,0 +1,24 @@
+import { Controller, Get, HttpStatus } from '@nestjs/common';
+import { ApiTags, ApiOperation, ApiResponse } from '@nestjs/swagger';
+import { PrePlantingAdminClient } from '../../infrastructure/external/pre-planting-admin.client';
+
+/**
+ * [2026-02-28] 预种计划公开 API（无需 JWT）
+ *
+ * 供 mobile-app 在未登录或登录前获取预种计划配置信息（开关状态 + 协议文本）。
+ * 与 PrePlantingController（需 JWT）分离，避免在类级 @UseGuards 中打洞。
+ */
+@ApiTags('预种计划-公开')
+@Controller('pre-planting')
+export class PrePlantingPublicController {
+  constructor(
+    private readonly adminClient: PrePlantingAdminClient,
+  ) {}
+
+  @Get('config')
+  @ApiOperation({ summary: '获取预种计划配置（公开，含协议文本）' })
+  @ApiResponse({ status: HttpStatus.OK, description: '配置信息' })
+  async getConfig() {
+    return this.adminClient.getPrePlantingConfig();
+  }
+}
diff --git a/backend/services/planting-service/src/pre-planting/infrastructure/external/pre-planting-admin.client.ts b/backend/services/planting-service/src/pre-planting/infrastructure/external/pre-planting-admin.client.ts
index 75e26834..5ea0c250 100644
--- a/backend/services/planting-service/src/pre-planting/infrastructure/external/pre-planting-admin.client.ts
+++ b/backend/services/planting-service/src/pre-planting/infrastructure/external/pre-planting-admin.client.ts
@@ -6,6 +6,7 @@ import { firstValueFrom } from 'rxjs';
 export interface PrePlantingConfig {
   isActive: boolean;
   activatedAt: Date | null;
+  agreementText?: string | null;
 }
 
 @Injectable()
diff --git a/backend/services/planting-service/src/pre-planting/pre-planting.module.ts b/backend/services/planting-service/src/pre-planting/pre-planting.module.ts
index 00cdc9b5..abdc87cd 100644
--- a/backend/services/planting-service/src/pre-planting/pre-planting.module.ts
+++ b/backend/services/planting-service/src/pre-planting/pre-planting.module.ts
@@ -4,6 +4,7 @@ import { HttpModule } from '@nestjs/axios';
 // Controllers
 import { PrePlantingController } from './api/controllers/pre-planting.controller';
 import { InternalPrePlantingController } from './api/controllers/internal-pre-planting.controller';
+import { PrePlantingPublicController } from './api/controllers/pre-planting-public.controller';
 
 // Application Services
 import { PrePlantingApplicationService } from './application/services/pre-planting-application.service';
@@ -55,6 +56,7 @@ import { PrePlantingAuthorizationClient } from './infrastructure/external/pre-pl
   ],
   controllers: [
     PrePlantingController,
+    PrePlantingPublicController,
     InternalPrePlantingController,
   ],
   providers: [
diff --git a/frontend/admin-web/src/app/(dashboard)/pre-planting/page.tsx b/frontend/admin-web/src/app/(dashboard)/pre-planting/page.tsx
index 361d4a3b..4d20e1db 100644
--- a/frontend/admin-web/src/app/(dashboard)/pre-planting/page.tsx
+++ b/frontend/admin-web/src/app/(dashboard)/pre-planting/page.tsx
@@ -20,11 +20,12 @@
  * 侧边栏入口在"数据统计"和"系统维护"之间。
  */
 
-import { useState } from 'react';
+import { useState, useEffect, useCallback } from 'react';
 import { Button } from '@/components/common';
 import { PageContainer } from '@/components/layout';
 import { cn } from '@/utils/helpers';
 import { formatDateTime } from '@/utils/formatters';
+import { prePlantingService } from '@/services/prePlantingService';
 import {
   usePrePlantingConfig,
   usePrePlantingStats,
@@ -88,6 +89,36 @@ export default function PrePlantingPage() {
     keyword: activeTab === 'merges' ? keyword : undefined,
   });
 
+  // === 协议文本管理 ===
+  const [agreementText, setAgreementText] = useState('');
+  const [agreementSaving, setAgreementSaving] = useState(false);
+  const [agreementMsg, setAgreementMsg] = useState('');
+
+  const loadAgreement = useCallback(async () => {
+    try {
+      const res = await prePlantingService.getAgreement();
+      setAgreementText(res.text ?? '');
+    } catch {
+      // 未配置时使用空文本
+    }
+  }, []);
+
+  useEffect(() => { loadAgreement(); }, [loadAgreement]);
+
+  const handleSaveAgreement = async () => {
+    setAgreementSaving(true);
+    setAgreementMsg('');
+    try {
+      await prePlantingService.updateAgreement(agreementText);
+      setAgreementMsg('协议已保存');
+      setTimeout(() => setAgreementMsg(''), 3000);
+    } catch {
+      setAgreementMsg('保存失败，请重试');
+    } finally {
+      setAgreementSaving(false);
+    }
+  };
+
   // === 开关切换 ===
   const handleToggle = () => {
     if (!config || toggleConfig.isPending) return;
@@ -163,6 +194,49 @@ export default function PrePlantingPage() {
           </button>
         </div>
 
+        {/* 预种协议管理 */}
+        <div className={styles.prePlanting__card} style={{ marginBottom: 16 }}>
+          <div style={{ display: 'flex', alignItems: 'center', justifyContent: 'space-between', marginBottom: 12 }}>
+            <h3 style={{ margin: 0, fontSize: 16, fontWeight: 600, color: '#5D4037' }}>预种协议管理</h3>
+            <div style={{ display: 'flex', alignItems: 'center', gap: 8 }}>
+              {agreementMsg && (
+                <span style={{ fontSize: 13, color: agreementMsg.includes('失败') ? '#d32f2f' : '#2e7d32' }}>
+                  {agreementMsg}
+                </span>
+              )}
+              <Button
+                variant="primary"
+                size="sm"
+                onClick={handleSaveAgreement}
+                disabled={agreementSaving}
+              >
+                {agreementSaving ? '保存中...' : '保存协议'}
+              </Button>
+            </div>
+          </div>
+          <textarea
+            value={agreementText}
+            onChange={(e) => setAgreementText(e.target.value)}
+            placeholder={'预种协议\n\n1. 用户成功购买预种计划后，自动获得分享权。\n2. 每一份预种计划，对应享有1棵猫山王榴莲树40%产果分红权的1/5份额，即单份预种计划可享受该果树8%的产果分红权。'}
+            style={{
+              width: '100%',
+              minHeight: 120,
+              padding: 12,
+              border: '1px solid #d7ccc8',
+              borderRadius: 8,
+              fontSize: 14,
+              lineHeight: 1.6,
+              fontFamily: 'inherit',
+              resize: 'vertical',
+              backgroundColor: '#fffaf5',
+              color: '#5D4037',
+            }}
+          />
+          <p style={{ margin: '8px 0 0', fontSize: 12, color: '#8d6e63' }}>
+            留空时，App 将显示默认协议内容。修改后需保存才能生效。
+          </p>
+        </div>
+
         {/* 统计卡片 */}
         <div className={styles.prePlanting__statsGrid}>
           <div className={styles.prePlanting__statCard}>
diff --git a/frontend/admin-web/src/infrastructure/api/endpoints.ts b/frontend/admin-web/src/infrastructure/api/endpoints.ts
index ffc41d2e..77ffc27c 100644
--- a/frontend/admin-web/src/infrastructure/api/endpoints.ts
+++ b/frontend/admin-web/src/infrastructure/api/endpoints.ts
@@ -303,6 +303,8 @@ export const API_ENDPOINTS = {
     MERGES: '/v1/admin/pre-planting/merges',
     // 预种统计汇总（总份数、总金额、合并树数等）
     STATS: '/v1/admin/pre-planting/stats',
+    // [2026-02-28] 预种协议文本（管理员可编辑）
+    AGREEMENT: '/v1/admin/pre-planting/agreement',
   },
   // [2026-02-19] 纯新增：树转让管理 (transfer-service)
   // Saga 编排的树转让订单管理：列表/详情/统计/强制取消
diff --git a/frontend/admin-web/src/services/prePlantingService.ts b/frontend/admin-web/src/services/prePlantingService.ts
index bf9f1dc7..167a48a8 100644
--- a/frontend/admin-web/src/services/prePlantingService.ts
+++ b/frontend/admin-web/src/services/prePlantingService.ts
@@ -158,6 +158,20 @@ export const prePlantingService = {
   async getMerges(params: PrePlantingListParams = {}): Promise<PaginatedResponse<PrePlantingAdminMerge>> {
     return apiClient.get(API_ENDPOINTS.PRE_PLANTING.MERGES, { params });
   },
+
+  /**
+   * [2026-02-28] 获取预种协议文本
+   */
+  async getAgreement(): Promise<{ text: string | null }> {
+    return apiClient.get(API_ENDPOINTS.PRE_PLANTING.AGREEMENT);
+  },
+
+  /**
+   * [2026-02-28] 更新预种协议文本
+   */
+  async updateAgreement(text: string): Promise<{ text: string }> {
+    return apiClient.put(API_ENDPOINTS.PRE_PLANTING.AGREEMENT, { text });
+  },
 };
 
 export default prePlantingService;
diff --git a/frontend/mobile-app/lib/core/services/pre_planting_service.dart b/frontend/mobile-app/lib/core/services/pre_planting_service.dart
index 3bcca0eb..008eec84 100644
--- a/frontend/mobile-app/lib/core/services/pre_planting_service.dart
+++ b/frontend/mobile-app/lib/core/services/pre_planting_service.dart
@@ -42,10 +42,12 @@ enum PrePlantingContractStatus {
 class PrePlantingConfig {
   final bool isActive;          // 预种功能是否开启
   final DateTime? activatedAt;  // 开启时间
+  final String? agreementText;  // 预种协议文本（null 时使用默认）
 
   PrePlantingConfig({
     required this.isActive,
     this.activatedAt,
+    this.agreementText,
   });
 
   factory PrePlantingConfig.fromJson(Map<String, dynamic> json) {
@@ -54,6 +56,7 @@ class PrePlantingConfig {
       activatedAt: json['activatedAt'] != null
           ? DateTime.parse(json['activatedAt'])
           : null,
+      agreementText: json['agreementText'] as String?,
     );
   }
 }
diff --git a/frontend/mobile-app/lib/features/pre_planting/presentation/pages/pre_planting_position_page.dart b/frontend/mobile-app/lib/features/pre_planting/presentation/pages/pre_planting_position_page.dart
index 05f3640b..f4ff684a 100644
--- a/frontend/mobile-app/lib/features/pre_planting/presentation/pages/pre_planting_position_page.dart
+++ b/frontend/mobile-app/lib/features/pre_planting/presentation/pages/pre_planting_position_page.dart
@@ -6,7 +6,7 @@ import '../../../../core/services/pre_planting_service.dart';
 import '../../../../routes/route_paths.dart';
 
 // ============================================
-// [2026-02-17] 预种持仓页面
+// [2026-02-17] 预种明细页面
 // ============================================
 //
 // 显示用户的预种计划持仓信息，包括：
@@ -25,9 +25,9 @@ import '../../../../routes/route_paths.dart';
 // 本页面纯展示，不含购买操作。
 // 购买入口在 Profile 页面或本页顶部按钮跳转到 PrePlantingPurchasePage。
 
-/// 预种持仓页面
+/// 预种明细页面
 ///
-/// 展示用户的预种持仓概览、合并进度、订单列表和合并记录。
+/// 展示用户的预种明细概览、合并进度、订单列表和合并记录。
 class PrePlantingPositionPage extends ConsumerStatefulWidget {
   const PrePlantingPositionPage({super.key});
 
@@ -203,7 +203,7 @@ class _PrePlantingPositionPageState
           const SizedBox(width: 42),
           const Expanded(
             child: Text(
-              '预种持仓',
+              '预种明细',
               style: TextStyle(
                 fontSize: 18,
                 fontFamily: 'Inter',
diff --git a/frontend/mobile-app/lib/features/pre_planting/presentation/pages/pre_planting_purchase_page.dart b/frontend/mobile-app/lib/features/pre_planting/presentation/pages/pre_planting_purchase_page.dart
index f21e05d0..18ca123b 100644
--- a/frontend/mobile-app/lib/features/pre_planting/presentation/pages/pre_planting_purchase_page.dart
+++ b/frontend/mobile-app/lib/features/pre_planting/presentation/pages/pre_planting_purchase_page.dart
@@ -323,11 +323,22 @@ class _PrePlantingPurchasePageState
     return true;
   }
 
+  /// 默认预种协议文本
+  static const String _defaultAgreementText =
+      '预种协议\n\n'
+      '1. 用户成功购买预种计划后，自动获得分享权。\n'
+      '2. 每一份预种计划，对应享有1棵猫山王榴莲树40%产果分红权的1/5份额，'
+      '即单份预种计划可享受该果树8%的产果分红权。';
+
   /// 确认购买
   Future<void> _confirmPurchase() async {
     if (!_canPurchase) return;
 
-    // 显示确认弹窗
+    // 第一步：显示协议弹窗
+    final agreed = await _showAgreementDialog();
+    if (agreed != true || !mounted) return;
+
+    // 第二步：显示确认弹窗
     final confirmed = await _showConfirmDialog();
     if (confirmed != true || !mounted) return;
 
@@ -382,6 +393,19 @@ class _PrePlantingPurchasePageState
     }
   }
 
+  /// 显示预种协议弹窗（需勾选同意才能继续）
+  Future<bool?> _showAgreementDialog() {
+    final agreementText = (_config?.agreementText != null && _config!.agreementText!.isNotEmpty)
+        ? _config!.agreementText!
+        : _defaultAgreementText;
+
+    return showDialog<bool>(
+      context: context,
+      barrierDismissible: false,
+      builder: (ctx) => _AgreementDialog(agreementText: agreementText),
+    );
+  }
+
   /// 显示购买确认弹窗
   Future<bool?> _showConfirmDialog() {
     final totalAmount = _quantity * _pricePerPortion;
@@ -1420,3 +1444,150 @@ class _PrePlantingPurchasePageState
     );
   }
 }
+
+// ============================================
+// [2026-02-28] 预种协议弹窗组件
+// ============================================
+
+/// 预种购买协议弹窗
+///
+/// 展示协议文本，用户需勾选"我已经知晓并完全同意协议中的内容"后
+/// 才能点击"下一步"继续购买流程。
+class _AgreementDialog extends StatefulWidget {
+  final String agreementText;
+
+  const _AgreementDialog({required this.agreementText});
+
+  @override
+  State<_AgreementDialog> createState() => _AgreementDialogState();
+}
+
+class _AgreementDialogState extends State<_AgreementDialog> {
+  bool _isAgreed = false;
+
+  @override
+  Widget build(BuildContext context) {
+    return AlertDialog(
+      backgroundColor: const Color(0xFFFFF7E6),
+      shape: RoundedRectangleBorder(
+        borderRadius: BorderRadius.circular(16),
+      ),
+      title: const Text(
+        '预种协议',
+        style: TextStyle(
+          fontSize: 20,
+          fontWeight: FontWeight.w700,
+          color: Color(0xFF5D4037),
+        ),
+      ),
+      content: SizedBox(
+        width: double.maxFinite,
+        child: Column(
+          mainAxisSize: MainAxisSize.min,
+          crossAxisAlignment: CrossAxisAlignment.start,
+          children: [
+            // 协议文本（可滚动）
+            Container(
+              constraints: const BoxConstraints(maxHeight: 300),
+              padding: const EdgeInsets.all(12),
+              decoration: BoxDecoration(
+                color: const Color(0xFFFFF5E6),
+                borderRadius: BorderRadius.circular(8),
+                border: Border.all(
+                  color: const Color(0xFFD7CCC8),
+                  width: 1,
+                ),
+              ),
+              child: Scrollbar(
+                child: SingleChildScrollView(
+                  child: Text(
+                    widget.agreementText,
+                    style: const TextStyle(
+                      fontSize: 14,
+                      fontFamily: 'Inter',
+                      fontWeight: FontWeight.w400,
+                      height: 1.8,
+                      color: Color(0xFF5D4037),
+                    ),
+                  ),
+                ),
+              ),
+            ),
+
+            const SizedBox(height: 16),
+
+            // 勾选区域
+            GestureDetector(
+              onTap: () {
+                setState(() {
+                  _isAgreed = !_isAgreed;
+                });
+              },
+              child: Row(
+                crossAxisAlignment: CrossAxisAlignment.start,
+                children: [
+                  Container(
+                    width: 22,
+                    height: 22,
+                    margin: const EdgeInsets.only(top: 1),
+                    decoration: BoxDecoration(
+                      color: _isAgreed
+                          ? const Color(0xFFD4A84B)
+                          : const Color(0xFFFFF5E6),
+                      borderRadius: BorderRadius.circular(4),
+                      border: Border.all(
+                        color: const Color(0xFFD4A84B),
+                        width: 1.5,
+                      ),
+                    ),
+                    child: _isAgreed
+                        ? const Icon(
+                            Icons.check,
+                            color: Colors.white,
+                            size: 16,
+                          )
+                        : null,
+                  ),
+                  const SizedBox(width: 10),
+                  const Expanded(
+                    child: Text(
+                      '我已经知晓并完全同意协议中的内容',
+                      style: TextStyle(
+                        fontSize: 14,
+                        fontFamily: 'Inter',
+                        fontWeight: FontWeight.w500,
+                        color: Color(0xFF5D4037),
+                      ),
+                    ),
+                  ),
+                ],
+              ),
+            ),
+          ],
+        ),
+      ),
+      actions: [
+        TextButton(
+          onPressed: () => Navigator.of(context).pop(false),
+          child: const Text(
+            '取消',
+            style: TextStyle(color: Color(0xFF745D43), fontSize: 16),
+          ),
+        ),
+        TextButton(
+          onPressed: _isAgreed ? () => Navigator.of(context).pop(true) : null,
+          child: Text(
+            '下一步',
+            style: TextStyle(
+              color: _isAgreed
+                  ? const Color(0xFFD4AF37)
+                  : const Color(0xFFD4AF37).withValues(alpha: 0.4),
+              fontSize: 16,
+              fontWeight: FontWeight.w700,
+            ),
+          ),
+        ),
+      ],
+    );
+  }
+}
diff --git a/frontend/mobile-app/lib/features/profile/presentation/pages/profile_page.dart b/frontend/mobile-app/lib/features/profile/presentation/pages/profile_page.dart
index bf9db0e9..9aadf541 100644
--- a/frontend/mobile-app/lib/features/profile/presentation/pages/profile_page.dart
+++ b/frontend/mobile-app/lib/features/profile/presentation/pages/profile_page.dart
@@ -1998,7 +1998,7 @@ class _ProfilePageState extends ConsumerState<ProfilePage> {
                   ),
                   SizedBox(width: 6),
                   Text(
-                    '预种持仓',
+                    '预种明细',
                     style: TextStyle(
                       fontSize: 14,
                       fontFamily: 'Inter',