diff --git a/backend/services/authorization-service/src/api/dto/request/self-apply-authorization.dto.ts b/backend/services/authorization-service/src/api/dto/request/self-apply-authorization.dto.ts
index d8b7dc61..9ebba9e9 100644
--- a/backend/services/authorization-service/src/api/dto/request/self-apply-authorization.dto.ts
+++ b/backend/services/authorization-service/src/api/dto/request/self-apply-authorization.dto.ts
@@ -94,6 +94,17 @@ export class SelfApplyAuthorizationResponseDto {
   benefitsActivated: boolean
 }
 
+/**
+ * 团队链中已有授权的持有者信息
+ */
+export class TeamChainAuthorizationHolderDto {
+  @ApiProperty({ description: '持有者账号序号' })
+  accountSequence: string
+
+  @ApiProperty({ description: '持有者昵称' })
+  nickname: string
+}
+
 /**
  * 用户授权状态响应 DTO
  */
@@ -106,4 +117,10 @@ export class UserAuthorizationStatusResponseDto {
 
   @ApiProperty({ description: '已拥有的授权类型列表' })
   existingAuthorizations: string[]
+
+  @ApiPropertyOptional({ description: '团队链中市团队授权持有者（如有）' })
+  teamChainCityTeamHolder?: TeamChainAuthorizationHolderDto
+
+  @ApiPropertyOptional({ description: '团队链中省团队授权持有者（如有）' })
+  teamChainProvinceTeamHolder?: TeamChainAuthorizationHolderDto
 }
diff --git a/backend/services/authorization-service/src/application/services/authorization-application.service.ts b/backend/services/authorization-service/src/application/services/authorization-application.service.ts
index a48d34ed..18cd0867 100644
--- a/backend/services/authorization-service/src/application/services/authorization-application.service.ts
+++ b/backend/services/authorization-service/src/application/services/authorization-application.service.ts
@@ -45,6 +45,7 @@ import {
   SelfApplyAuthorizationResponseDto,
   UserAuthorizationStatusResponseDto,
   SelfApplyAuthorizationType,
+  TeamChainAuthorizationHolderDto,
 } from '@/api/dto/request/self-apply-authorization.dto'
 import { AuthorizationDTO, StickmanRankingDTO, CommunityHierarchyDTO } from '@/application/dto'
 
@@ -2785,10 +2786,22 @@ export class AuthorizationApplicationService {
       .filter(auth => auth.status !== AuthorizationStatus.REVOKED)
       .map(auth => this.mapRoleTypeToDisplayName(auth.roleType))
 
+    // 3. 检查团队链中是否有市团队/省团队授权持有者
+    const teamChainCityTeamHolder = await this.findTeamChainAuthorizationHolder(
+      accountSequence,
+      RoleType.AUTH_CITY_COMPANY,
+    )
+    const teamChainProvinceTeamHolder = await this.findTeamChainAuthorizationHolder(
+      accountSequence,
+      RoleType.AUTH_PROVINCE_COMPANY,
+    )
+
     return {
       hasPlanted,
       plantedCount,
       existingAuthorizations,
+      teamChainCityTeamHolder,
+      teamChainProvinceTeamHolder,
     }
   }
 
@@ -2976,8 +2989,44 @@ export class AuthorizationApplicationService {
   }
 
   /**
-   * 将 RoleType 映射为显示名称
+   * 查找团队链中指定类型的授权持有者
+   * 遍历用户的祖先链（推荐链），查找是否有人持有指定类型的授权
    */
+  private async findTeamChainAuthorizationHolder(
+    accountSequence: string,
+    roleType: RoleType.AUTH_CITY_COMPANY | RoleType.AUTH_PROVINCE_COMPANY,
+  ): Promise<TeamChainAuthorizationHolderDto | undefined> {
+    try {
+      // 获取用户的祖先链（推荐链）
+      const ancestorChain = await this.referralServiceClient.getReferralChain(accountSequence)
+      if (!ancestorChain || ancestorChain.length === 0) {
+        return undefined
+      }
+
+      // 遍历祖先链，查找持有该授权的用户
+      for (const ancestorAccountSeq of ancestorChain) {
+        const authorizations = await this.authorizationRepository.findByAccountSequence(ancestorAccountSeq)
+        const matchingAuth = authorizations.find(
+          auth => auth.roleType === roleType && auth.status !== AuthorizationStatus.REVOKED,
+        )
+
+        if (matchingAuth) {
+          // 获取用户昵称
+          const userInfo = await this.identityServiceClient.getUserInfo(matchingAuth.userId.value)
+          return {
+            accountSequence: ancestorAccountSeq,
+            nickname: userInfo?.nickname || `用户${ancestorAccountSeq}`,
+          }
+        }
+      }
+
+      return undefined
+    } catch (error) {
+      this.logger.error(`[findTeamChainAuthorizationHolder] Error: ${error}`)
+      return undefined
+    }
+  }
+
   private mapRoleTypeToDisplayName(roleType: RoleType): string {
     const mapping: Record<RoleType, string> = {
       [RoleType.COMMUNITY]: '社区',
diff --git a/backend/services/identity-service/src/api/controllers/user-account.controller.ts b/backend/services/identity-service/src/api/controllers/user-account.controller.ts
index 0eeecbbe..72a7c881 100644
--- a/backend/services/identity-service/src/api/controllers/user-account.controller.ts
+++ b/backend/services/identity-service/src/api/controllers/user-account.controller.ts
@@ -81,6 +81,7 @@ import {
   VerifySmsCodeDto,
   SetPasswordDto,
   LoginWithPasswordDto,
+  ResetPasswordDto,
 } from '@/api/dto';
 
 @ApiTags('User')
@@ -189,12 +190,40 @@ export class UserAccountController {
       new VerifySmsCodeCommand(
         dto.phoneNumber,
         dto.smsCode,
-        dto.type as 'REGISTER' | 'LOGIN' | 'BIND' | 'RECOVER',
+        dto.type as 'REGISTER' | 'LOGIN' | 'BIND' | 'RECOVER' | 'RESET_PASSWORD',
       ),
     );
     return { message: '验证成功' };
   }
 
+  @Public()
+  @Post('send-reset-password-sms')
+  @ApiOperation({
+    summary: '发送重置密码短信验证码',
+    description: '向已注册的手机号发送重置密码验证码',
+  })
+  @ApiResponse({ status: 200, description: '验证码已发送' })
+  async sendResetPasswordSms(@Body() body: { phoneNumber: string }) {
+    await this.userService.sendResetPasswordSmsCode(body.phoneNumber);
+    return { message: '验证码已发送' };
+  }
+
+  @Public()
+  @Post('reset-password')
+  @ApiOperation({
+    summary: '重置密码',
+    description: '通过手机号+短信验证码重置登录密码',
+  })
+  @ApiResponse({ status: 200, description: '密码重置成功' })
+  async resetPassword(@Body() dto: ResetPasswordDto) {
+    await this.userService.resetPassword(
+      dto.phoneNumber,
+      dto.smsCode,
+      dto.newPassword,
+    );
+    return { message: '密码重置成功' };
+  }
+
   @Public()
   @Post('register')
   @ApiOperation({ summary: '用户注册(手机号)' })
diff --git a/backend/services/identity-service/src/api/dto/index.ts b/backend/services/identity-service/src/api/dto/index.ts
index f67cd548..20f9c0ba 100644
--- a/backend/services/identity-service/src/api/dto/index.ts
+++ b/backend/services/identity-service/src/api/dto/index.ts
@@ -33,9 +33,26 @@ export class SendSmsCodeDto {
   @Matches(/^1[3-9]\d{9}$/, { message: '手机号格式错误' })
   phoneNumber: string;
 
-  @ApiProperty({ enum: ['REGISTER', 'LOGIN', 'BIND', 'RECOVER'] })
-  @IsEnum(['REGISTER', 'LOGIN', 'BIND', 'RECOVER'])
-  type: 'REGISTER' | 'LOGIN' | 'BIND' | 'RECOVER';
+  @ApiProperty({ enum: ['REGISTER', 'LOGIN', 'BIND', 'RECOVER', 'RESET_PASSWORD'] })
+  @IsEnum(['REGISTER', 'LOGIN', 'BIND', 'RECOVER', 'RESET_PASSWORD'])
+  type: 'REGISTER' | 'LOGIN' | 'BIND' | 'RECOVER' | 'RESET_PASSWORD';
+}
+
+export class ResetPasswordDto {
+  @ApiProperty({ example: '13800138000', description: '手机号' })
+  @IsString()
+  @Matches(/^1[3-9]\d{9}$/, { message: '手机号格式错误' })
+  phoneNumber: string;
+
+  @ApiProperty({ example: '123456', description: '短信验证码' })
+  @IsString()
+  @Matches(/^\d{6}$/, { message: '验证码格式错误' })
+  smsCode: string;
+
+  @ApiProperty({ example: 'newPassword123', description: '新密码（至少6位）' })
+  @IsString()
+  @IsNotEmpty({ message: '新密码不能为空' })
+  newPassword: string;
 }
 
 export class RegisterDto {
diff --git a/backend/services/identity-service/src/api/dto/request/verify-sms-code.dto.ts b/backend/services/identity-service/src/api/dto/request/verify-sms-code.dto.ts
index 78988f76..34a46856 100644
--- a/backend/services/identity-service/src/api/dto/request/verify-sms-code.dto.ts
+++ b/backend/services/identity-service/src/api/dto/request/verify-sms-code.dto.ts
@@ -15,10 +15,10 @@ export class VerifySmsCodeDto {
   @ApiProperty({
     example: 'REGISTER',
     description: '验证码类型',
-    enum: ['REGISTER', 'LOGIN', 'BIND', 'RECOVER'],
+    enum: ['REGISTER', 'LOGIN', 'BIND', 'RECOVER', 'RESET_PASSWORD'],
   })
   @IsString()
-  @IsIn(['REGISTER', 'LOGIN', 'BIND', 'RECOVER'], {
+  @IsIn(['REGISTER', 'LOGIN', 'BIND', 'RECOVER', 'RESET_PASSWORD'], {
     message: '无效的验证码类型',
   })
   type: string;
diff --git a/backend/services/identity-service/src/application/commands/index.ts b/backend/services/identity-service/src/application/commands/index.ts
index 43805157..b312f303 100644
--- a/backend/services/identity-service/src/application/commands/index.ts
+++ b/backend/services/identity-service/src/application/commands/index.ts
@@ -124,7 +124,7 @@ export class RemoveDeviceCommand {
 export class SendSmsCodeCommand {
   constructor(
     public readonly phoneNumber: string,
-    public readonly type: 'REGISTER' | 'LOGIN' | 'BIND' | 'RECOVER',
+    public readonly type: 'REGISTER' | 'LOGIN' | 'BIND' | 'RECOVER' | 'RESET_PASSWORD',
   ) {}
 }
 
@@ -172,7 +172,7 @@ export class VerifySmsCodeCommand {
   constructor(
     public readonly phoneNumber: string,
     public readonly smsCode: string,
-    public readonly type: 'REGISTER' | 'LOGIN' | 'BIND' | 'RECOVER',
+    public readonly type: 'REGISTER' | 'LOGIN' | 'BIND' | 'RECOVER' | 'RESET_PASSWORD',
   ) {}
 }
 
diff --git a/backend/services/identity-service/src/application/services/user-application.service.ts b/backend/services/identity-service/src/application/services/user-application.service.ts
index f4c393a8..409885ea 100644
--- a/backend/services/identity-service/src/application/services/user-application.service.ts
+++ b/backend/services/identity-service/src/application/services/user-application.service.ts
@@ -2124,4 +2124,116 @@ export class UserApplicationService {
     if (phone.length < 7) return phone;
     return phone.substring(0, 3) + '****' + phone.substring(phone.length - 4);
   }
+
+  // ============ 找回密码相关 ============
+
+  /**
+   * 发送重置密码短信验证码
+   *
+   * @param phoneNumber 手机号
+   */
+  async sendResetPasswordSmsCode(phoneNumber: string): Promise<void> {
+    this.logger.log(
+      `[RESET_PASSWORD] Sending SMS code to: ${this.maskPhoneNumber(phoneNumber)}`,
+    );
+
+    const phone = PhoneNumber.create(phoneNumber);
+
+    // 检查手机号是否已注册
+    const account = await this.userRepository.findByPhoneNumber(phone);
+    if (!account) {
+      this.logger.warn(
+        `[RESET_PASSWORD] Phone not registered: ${this.maskPhoneNumber(phoneNumber)}`,
+      );
+      throw new ApplicationError('该手机号未注册');
+    }
+
+    // 检查账户状态
+    if (!account.isActive) {
+      this.logger.warn(
+        `[RESET_PASSWORD] Account inactive for phone: ${this.maskPhoneNumber(phoneNumber)}`,
+      );
+      throw new ApplicationError('账户已冻结或注销');
+    }
+
+    // 生成并发送验证码
+    const code = this.generateSmsCode();
+    const cacheKey = `sms:reset_password:${phone.value}`;
+
+    await this.smsService.sendVerificationCode(phone.value, code);
+    await this.redisService.set(cacheKey, code, 300); // 5分钟有效
+
+    this.logger.log(
+      `[RESET_PASSWORD] SMS code sent successfully to: ${this.maskPhoneNumber(phoneNumber)}`,
+    );
+  }
+
+  /**
+   * 重置密码
+   *
+   * @param phoneNumber 手机号
+   * @param smsCode 短信验证码
+   * @param newPassword 新密码
+   */
+  async resetPassword(
+    phoneNumber: string,
+    smsCode: string,
+    newPassword: string,
+  ): Promise<void> {
+    this.logger.log(
+      `[RESET_PASSWORD] Resetting password for: ${this.maskPhoneNumber(phoneNumber)}`,
+    );
+
+    const phone = PhoneNumber.create(phoneNumber);
+
+    // 1. 验证短信验证码
+    const cacheKey = `sms:reset_password:${phone.value}`;
+    const cachedCode = await this.redisService.get(cacheKey);
+
+    if (!cachedCode || cachedCode !== smsCode) {
+      this.logger.warn(
+        `[RESET_PASSWORD] Invalid SMS code for: ${this.maskPhoneNumber(phoneNumber)}`,
+      );
+      throw new ApplicationError('验证码错误或已过期');
+    }
+
+    // 2. 查找用户
+    const account = await this.userRepository.findByPhoneNumber(phone);
+    if (!account) {
+      this.logger.warn(
+        `[RESET_PASSWORD] User not found for phone: ${this.maskPhoneNumber(phoneNumber)}`,
+      );
+      throw new ApplicationError('用户不存在');
+    }
+
+    // 3. 检查账户状态
+    if (!account.isActive) {
+      this.logger.warn(
+        `[RESET_PASSWORD] Account inactive for phone: ${this.maskPhoneNumber(phoneNumber)}`,
+      );
+      throw new ApplicationError('账户已冻结或注销');
+    }
+
+    // 4. 验证密码长度
+    if (newPassword.length < 6) {
+      throw new ApplicationError('密码至少需要6位');
+    }
+
+    // 5. 更新密码
+    const bcrypt = await import('bcrypt');
+    const saltRounds = 10;
+    const passwordHash = await bcrypt.hash(newPassword, saltRounds);
+
+    await this.prisma.userAccount.update({
+      where: { userId: account.userId.value },
+      data: { passwordHash },
+    });
+
+    // 6. 删除验证码
+    await this.redisService.delete(cacheKey);
+
+    this.logger.log(
+      `[RESET_PASSWORD] Password reset successfully for: ${this.maskPhoneNumber(phoneNumber)}`,
+    );
+  }
 }
diff --git a/backend/services/wallet-service/prisma/migrations/20241222000000_add_withdrawal_fee_config/migration.sql b/backend/services/wallet-service/prisma/migrations/20241222000000_add_withdrawal_fee_config/migration.sql
new file mode 100644
index 00000000..5a5a16fc
--- /dev/null
+++ b/backend/services/wallet-service/prisma/migrations/20241222000000_add_withdrawal_fee_config/migration.sql
@@ -0,0 +1,17 @@
+-- CreateTable: 提取手续费配置表
+CREATE TABLE "withdrawal_fee_configs" (
+    "config_id" BIGSERIAL NOT NULL,
+    "fee_type" VARCHAR(20) NOT NULL,
+    "fee_value" DECIMAL(20,8) NOT NULL,
+    "min_fee" DECIMAL(20,8) NOT NULL DEFAULT 0,
+    "max_fee" DECIMAL(20,8) NOT NULL DEFAULT 0,
+    "is_active" BOOLEAN NOT NULL DEFAULT true,
+    "memo" VARCHAR(200),
+    "created_at" TIMESTAMP(3) NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    "updated_at" TIMESTAMP(3) NOT NULL,
+
+    CONSTRAINT "withdrawal_fee_configs_pkey" PRIMARY KEY ("config_id")
+);
+
+-- CreateIndex
+CREATE INDEX "withdrawal_fee_configs_is_active_idx" ON "withdrawal_fee_configs"("is_active");
diff --git a/backend/services/wallet-service/prisma/schema.prisma b/backend/services/wallet-service/prisma/schema.prisma
index 5fa83ae5..55f06456 100644
--- a/backend/services/wallet-service/prisma/schema.prisma
+++ b/backend/services/wallet-service/prisma/schema.prisma
@@ -240,6 +240,37 @@ model PendingReward {
   @@index([createdAt])
 }
 
+// ============================================
+// 提取手续费配置表
+// ============================================
+model WithdrawalFeeConfig {
+  id          BigInt   @id @default(autoincrement()) @map("config_id")
+
+  // 费率类型: FIXED(固定金额) / PERCENTAGE(百分比)
+  feeType     String   @map("fee_type") @db.VarChar(20)
+
+  // 费率值: 固定金额时为具体数值，百分比时为小数 (如 0.001 = 0.1%)
+  feeValue    Decimal  @map("fee_value") @db.Decimal(20, 8)
+
+  // 最小手续费 (百分比模式下生效)
+  minFee      Decimal  @default(0) @map("min_fee") @db.Decimal(20, 8)
+
+  // 最大手续费 (百分比模式下生效，0表示不限制)
+  maxFee      Decimal  @default(0) @map("max_fee") @db.Decimal(20, 8)
+
+  // 是否启用
+  isActive    Boolean  @default(true) @map("is_active")
+
+  // 备注
+  memo        String?  @map("memo") @db.VarChar(200)
+
+  createdAt   DateTime @default(now()) @map("created_at")
+  updatedAt   DateTime @updatedAt @map("updated_at")
+
+  @@map("withdrawal_fee_configs")
+  @@index([isActive])
+}
+
 // ============================================
 // 已处理事件表 (幂等性检查)
 // 用于确保 Kafka 事件不会被重复处理
diff --git a/backend/services/wallet-service/src/api/controllers/wallet.controller.ts b/backend/services/wallet-service/src/api/controllers/wallet.controller.ts
index 17c40e56..ff1616fa 100644
--- a/backend/services/wallet-service/src/api/controllers/wallet.controller.ts
+++ b/backend/services/wallet-service/src/api/controllers/wallet.controller.ts
@@ -1,13 +1,14 @@
-import { Controller, Get, Post, Body, UseGuards, Headers, HttpException, HttpStatus } from '@nestjs/common';
-import { ApiTags, ApiOperation, ApiBearerAuth, ApiResponse } from '@nestjs/swagger';
+import { Controller, Get, Post, Body, Query, UseGuards, Headers, HttpException, HttpStatus } from '@nestjs/common';
+import { ApiTags, ApiOperation, ApiBearerAuth, ApiResponse, ApiQuery } from '@nestjs/swagger';
 import { WalletApplicationService } from '@/application/services';
 import { GetMyWalletQuery } from '@/application/queries';
 import { ClaimRewardsCommand, SettleRewardsCommand, RequestWithdrawalCommand } from '@/application/commands';
 import { CurrentUser, CurrentUserPayload } from '@/shared/decorators';
 import { JwtAuthGuard } from '@/shared/guards/jwt-auth.guard';
 import { SettleRewardsDTO, RequestWithdrawalDTO } from '@/api/dto/request';
-import { WalletResponseDTO, WithdrawalResponseDTO, WithdrawalListItemDTO } from '@/api/dto/response';
+import { WalletResponseDTO, WithdrawalResponseDTO, WithdrawalListItemDTO, WithdrawalFeeConfigResponseDTO, CalculateFeeResponseDTO } from '@/api/dto/response';
 import { IdentityClientService } from '@/infrastructure/external/identity';
+import { FeeConfigRepositoryImpl } from '@/infrastructure/persistence/repositories';
 
 @ApiTags('Wallet')
 @Controller('wallet')
@@ -17,6 +18,7 @@ export class WalletController {
   constructor(
     private readonly walletService: WalletApplicationService,
     private readonly identityClient: IdentityClientService,
+    private readonly feeConfigRepo: FeeConfigRepositoryImpl,
   ) {}
 
   @Get('my-wallet')
@@ -184,4 +186,35 @@ export class WalletController {
   }>> {
     return this.walletService.getExpiredRewards(user.accountSequence);
   }
+
+  @Get('fee-config')
+  @ApiOperation({ summary: '查询提取手续费配置', description: '获取当前生效的提取手续费配置' })
+  @ApiResponse({ status: 200, type: WithdrawalFeeConfigResponseDTO })
+  async getFeeConfig(): Promise<WithdrawalFeeConfigResponseDTO> {
+    return this.feeConfigRepo.getActiveConfig();
+  }
+
+  @Get('calculate-fee')
+  @ApiOperation({ summary: '计算提取手续费', description: '根据提取金额计算手续费' })
+  @ApiQuery({ name: 'amount', type: Number, description: '提取金额' })
+  @ApiResponse({ status: 200, type: CalculateFeeResponseDTO })
+  async calculateFee(
+    @Query('amount') amountStr: string,
+  ): Promise<CalculateFeeResponseDTO> {
+    const amount = parseFloat(amountStr);
+    if (isNaN(amount) || amount <= 0) {
+      throw new HttpException('无效的金额', HttpStatus.BAD_REQUEST);
+    }
+
+    const { fee, feeType, feeValue } = await this.feeConfigRepo.calculateFee(amount);
+
+    return {
+      amount,
+      fee,
+      totalRequired: amount + fee,
+      receiverGets: amount, // 接收方收到完整金额
+      feeType,
+      feeValue,
+    };
+  }
 }
diff --git a/backend/services/wallet-service/src/api/dto/response/fee-config.dto.ts b/backend/services/wallet-service/src/api/dto/response/fee-config.dto.ts
new file mode 100644
index 00000000..585d9996
--- /dev/null
+++ b/backend/services/wallet-service/src/api/dto/response/fee-config.dto.ts
@@ -0,0 +1,60 @@
+import { ApiProperty } from '@nestjs/swagger'
+
+/**
+ * 手续费类型
+ */
+export enum FeeType {
+  FIXED = 'FIXED',           // 固定金额
+  PERCENTAGE = 'PERCENTAGE', // 百分比
+}
+
+/**
+ * 提取手续费配置响应 DTO
+ */
+export class WithdrawalFeeConfigResponseDTO {
+  @ApiProperty({ description: '费率类型', enum: FeeType, example: FeeType.FIXED })
+  feeType: FeeType
+
+  @ApiProperty({ description: '费率值 (固定金额或百分比)', example: 2 })
+  feeValue: number
+
+  @ApiProperty({ description: '最小手续费 (百分比模式)', example: 0 })
+  minFee: number
+
+  @ApiProperty({ description: '最大手续费 (百分比模式，0表示不限)', example: 0 })
+  maxFee: number
+
+  @ApiProperty({ description: '备注', example: '默认手续费配置', required: false })
+  memo?: string
+}
+
+/**
+ * 计算手续费请求 DTO
+ */
+export class CalculateFeeRequestDTO {
+  @ApiProperty({ description: '提取金额', example: 1000 })
+  amount: number
+}
+
+/**
+ * 计算手续费响应 DTO
+ */
+export class CalculateFeeResponseDTO {
+  @ApiProperty({ description: '提取金额', example: 1000 })
+  amount: number
+
+  @ApiProperty({ description: '手续费', example: 2 })
+  fee: number
+
+  @ApiProperty({ description: '发送方总支出 (金额 + 手续费)', example: 1002 })
+  totalRequired: number
+
+  @ApiProperty({ description: '接收方收到金额', example: 1000 })
+  receiverGets: number
+
+  @ApiProperty({ description: '费率类型', enum: FeeType })
+  feeType: FeeType
+
+  @ApiProperty({ description: '费率值', example: 2 })
+  feeValue: number
+}
diff --git a/backend/services/wallet-service/src/api/dto/response/index.ts b/backend/services/wallet-service/src/api/dto/response/index.ts
index eb701fea..62ef5789 100644
--- a/backend/services/wallet-service/src/api/dto/response/index.ts
+++ b/backend/services/wallet-service/src/api/dto/response/index.ts
@@ -1,3 +1,4 @@
 export * from './wallet.dto';
 export * from './ledger.dto';
 export * from './withdrawal.dto';
+export * from './fee-config.dto';
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 e6ab159b..c9a4ef0b 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
@@ -23,6 +23,8 @@ import { DuplicateTransactionError, WalletNotFoundError, OptimisticLockError } f
 import { WalletCacheService } from '@/infrastructure/redis';
 import { EventPublisherService } from '@/infrastructure/kafka';
 import { WithdrawalRequestedEvent } from '@/domain/events';
+import { FeeConfigRepositoryImpl } from '@/infrastructure/persistence/repositories';
+import { FeeType } from '@/api/dto/response';
 
 export interface WalletDTO {
   walletId: string;
@@ -89,6 +91,7 @@ export class WalletApplicationService {
     private readonly walletCacheService: WalletCacheService,
     private readonly eventPublisher: EventPublisherService,
     private readonly prisma: PrismaService,
+    private readonly feeConfigRepo: FeeConfigRepositoryImpl,
   ) {}
 
   // =============== Commands ===============
@@ -1252,11 +1255,6 @@ export class WalletApplicationService {
 
   // =============== Withdrawal ===============
 
-  /**
-   * 提现手续费率 (0.1%)
-   */
-  private readonly WITHDRAWAL_FEE_RATE = 0.001;
-
   /**
    * 最小提现金额
    */
@@ -1266,11 +1264,12 @@ export class WalletApplicationService {
    * 请求提现
    *
    * 流程:
-   * 1. 验证余额是否足够 (金额 + 手续费)
-   * 2. 创建提现订单
-   * 3. 冻结用户余额
-   * 4. 记录流水
-   * 5. 发布事件通知 blockchain-service
+   * 1. 获取动态手续费配置
+   * 2. 验证余额是否足够 (金额 + 手续费)
+   * 3. 创建提现订单
+   * 4. 冻结用户余额
+   * 5. 记录流水
+   * 6. 发布事件通知 blockchain-service
    */
   async requestWithdrawal(command: RequestWithdrawalCommand): Promise<{
     orderNo: string;
@@ -1281,12 +1280,17 @@ export class WalletApplicationService {
   }> {
     const userId = BigInt(command.userId);
     const amount = Money.USDT(command.amount);
-    // 计算手续费 = 金额 * 费率
-    const feeAmount = command.amount * this.WITHDRAWAL_FEE_RATE;
+
+    // 从配置获取动态手续费
+    const { fee: feeAmount, feeType, feeValue } = await this.feeConfigRepo.calculateFee(command.amount);
     const fee = Money.USDT(feeAmount);
     const totalRequired = amount.add(fee);
 
-    this.logger.log(`Processing withdrawal request for user ${userId}: ${command.amount} USDT to ${command.toAddress}, fee: ${feeAmount}`);
+    const feeDescription = feeType === FeeType.FIXED
+      ? `固定 ${feeValue} 绿积分`
+      : `${(feeValue * 100).toFixed(2)}%`;
+
+    this.logger.log(`Processing withdrawal request for user ${userId}: ${command.amount} USDT to ${command.toAddress}, fee: ${feeAmount} (${feeDescription})`);
 
     // 验证最小提现金额
     if (command.amount < this.MIN_WITHDRAWAL_AMOUNT) {
@@ -1305,7 +1309,7 @@ export class WalletApplicationService {
     // 验证余额是否足够
     if (wallet.balances.usdt.available.lessThan(totalRequired)) {
       throw new BadRequestException(
-        `余额不足: 需要 ${totalRequired.value} USDT (金额 ${command.amount} + 手续费 ${feeAmount.toFixed(2)}), 当前可用 ${wallet.balances.usdt.available.value} USDT`,
+        `余额不足: 需要 ${totalRequired.value} 绿积分 (金额 ${command.amount} + 手续费 ${feeAmount.toFixed(2)}), 当前可用 ${wallet.balances.usdt.available.value} 绿积分`,
       );
     }
 
@@ -1335,7 +1339,7 @@ export class WalletApplicationService {
       amount: Money.signed(-totalRequired.value, 'USDT'),
       balanceAfter: wallet.balances.usdt.available,
       refOrderId: savedOrder.orderNo,
-      memo: `Withdrawal freeze: ${command.amount} USDT + ${feeAmount.toFixed(2)} USDT fee (${this.WITHDRAWAL_FEE_RATE * 100}%)`,
+      memo: `提取冻结: ${command.amount} 绿积分 + ${feeAmount.toFixed(2)} 绿积分手续费 (${feeDescription})`,
     });
     await this.ledgerRepo.save(freezeEntry);
 
@@ -1347,7 +1351,7 @@ export class WalletApplicationService {
       walletId: wallet.walletId.toString(),
       amount: command.amount.toString(),
       fee: feeAmount.toString(),
-      netAmount: (command.amount - feeAmount).toString(),
+      netAmount: command.amount.toString(),  // 接收方收到完整金额，手续费由发送方额外承担
       assetType: 'USDT',
       chainType: command.chainType,
       toAddress: command.toAddress,
diff --git a/backend/services/wallet-service/src/domain/aggregates/withdrawal-order.aggregate.ts b/backend/services/wallet-service/src/domain/aggregates/withdrawal-order.aggregate.ts
index b7b294f6..3ef9af74 100644
--- a/backend/services/wallet-service/src/domain/aggregates/withdrawal-order.aggregate.ts
+++ b/backend/services/wallet-service/src/domain/aggregates/withdrawal-order.aggregate.ts
@@ -72,7 +72,7 @@ export class WithdrawalOrder {
   get userId(): UserId { return this._userId; }
   get amount(): Money { return this._amount; }
   get fee(): Money { return this._fee; }
-  get netAmount(): Money { return Money.USDT(this._amount.value - this._fee.value); }
+  get netAmount(): Money { return this._amount; }  // 接收方收到完整金额，手续费由发送方额外承担
   get chainType(): ChainType { return this._chainType; }
   get toAddress(): string { return this._toAddress; }
   get txHash(): string | null { return this._txHash; }
diff --git a/backend/services/wallet-service/src/infrastructure/infrastructure.module.ts b/backend/services/wallet-service/src/infrastructure/infrastructure.module.ts
index 0ed62351..5f455d77 100644
--- a/backend/services/wallet-service/src/infrastructure/infrastructure.module.ts
+++ b/backend/services/wallet-service/src/infrastructure/infrastructure.module.ts
@@ -7,6 +7,7 @@ import {
   SettlementOrderRepositoryImpl,
   WithdrawalOrderRepositoryImpl,
   PendingRewardRepositoryImpl,
+  FeeConfigRepositoryImpl,
 } from './persistence/repositories';
 import {
   WALLET_ACCOUNT_REPOSITORY,
@@ -45,12 +46,13 @@ const repositories = [
     provide: PENDING_REWARD_REPOSITORY,
     useClass: PendingRewardRepositoryImpl,
   },
+  FeeConfigRepositoryImpl,
 ];
 
 @Global()
 @Module({
   imports: [RedisModule, KafkaModule, IdentityModule],
   providers: [PrismaService, ...repositories],
-  exports: [PrismaService, RedisModule, KafkaModule, IdentityModule, ...repositories],
+  exports: [PrismaService, RedisModule, KafkaModule, IdentityModule, FeeConfigRepositoryImpl, ...repositories],
 })
 export class InfrastructureModule {}
diff --git a/backend/services/wallet-service/src/infrastructure/persistence/repositories/fee-config.repository.impl.ts b/backend/services/wallet-service/src/infrastructure/persistence/repositories/fee-config.repository.impl.ts
new file mode 100644
index 00000000..707a6ccb
--- /dev/null
+++ b/backend/services/wallet-service/src/infrastructure/persistence/repositories/fee-config.repository.impl.ts
@@ -0,0 +1,78 @@
+import { Injectable } from '@nestjs/common';
+import { PrismaService } from '@/infrastructure/persistence/prisma/prisma.service';
+import { FeeType, WithdrawalFeeConfigResponseDTO } from '@/api/dto/response';
+
+/**
+ * 默认手续费配置 (当数据库无配置时使用)
+ */
+const DEFAULT_FEE_CONFIG: WithdrawalFeeConfigResponseDTO = {
+  feeType: FeeType.FIXED,
+  feeValue: 2, // 固定 2 绿积分
+  minFee: 0,
+  maxFee: 0,
+  memo: '默认配置：固定 2 绿积分/笔',
+};
+
+@Injectable()
+export class FeeConfigRepositoryImpl {
+  constructor(private readonly prisma: PrismaService) {}
+
+  /**
+   * 获取当前生效的手续费配置
+   * 如果没有配置，返回默认配置 (固定 2 绿积分/笔)
+   */
+  async getActiveConfig(): Promise<WithdrawalFeeConfigResponseDTO> {
+    const config = await this.prisma.withdrawalFeeConfig.findFirst({
+      where: { isActive: true },
+      orderBy: { createdAt: 'desc' },
+    });
+
+    if (!config) {
+      return DEFAULT_FEE_CONFIG;
+    }
+
+    return {
+      feeType: config.feeType as FeeType,
+      feeValue: Number(config.feeValue),
+      minFee: Number(config.minFee),
+      maxFee: Number(config.maxFee),
+      memo: config.memo ?? undefined,
+    };
+  }
+
+  /**
+   * 计算手续费
+   * @param amount 提取金额
+   * @returns 手续费金额
+   */
+  async calculateFee(amount: number): Promise<{
+    fee: number;
+    feeType: FeeType;
+    feeValue: number;
+  }> {
+    const config = await this.getActiveConfig();
+    let fee: number;
+
+    if (config.feeType === FeeType.FIXED) {
+      // 固定金额
+      fee = config.feeValue;
+    } else {
+      // 百分比
+      fee = amount * config.feeValue;
+
+      // 应用最小/最大限制
+      if (config.minFee > 0 && fee < config.minFee) {
+        fee = config.minFee;
+      }
+      if (config.maxFee > 0 && fee > config.maxFee) {
+        fee = config.maxFee;
+      }
+    }
+
+    return {
+      fee,
+      feeType: config.feeType,
+      feeValue: config.feeValue,
+    };
+  }
+}
diff --git a/backend/services/wallet-service/src/infrastructure/persistence/repositories/index.ts b/backend/services/wallet-service/src/infrastructure/persistence/repositories/index.ts
index 0a2d7931..78036509 100644
--- a/backend/services/wallet-service/src/infrastructure/persistence/repositories/index.ts
+++ b/backend/services/wallet-service/src/infrastructure/persistence/repositories/index.ts
@@ -4,3 +4,4 @@ export * from './deposit-order.repository.impl';
 export * from './settlement-order.repository.impl';
 export * from './withdrawal-order.repository.impl';
 export * from './pending-reward.repository.impl';
+export * from './fee-config.repository.impl';
diff --git a/frontend/mobile-app/lib/core/services/account_service.dart b/frontend/mobile-app/lib/core/services/account_service.dart
index 51c24b1f..2ea4243f 100644
--- a/frontend/mobile-app/lib/core/services/account_service.dart
+++ b/frontend/mobile-app/lib/core/services/account_service.dart
@@ -571,6 +571,74 @@ class AccountService {
     }
   }
 
+  /// 发送重置密码短信验证码 (POST /user/send-reset-password-sms)
+  ///
+  /// 用于找回密码功能
+  Future<void> sendResetPasswordSmsCode(String phoneNumber) async {
+    debugPrint('$_tag sendResetPasswordSmsCode() - 发送重置密码验证码');
+    debugPrint('$_tag sendResetPasswordSmsCode() - 手机号: $phoneNumber');
+
+    try {
+      final response = await _apiClient.post(
+        '/user/send-reset-password-sms',
+        data: {'phoneNumber': phoneNumber},
+      );
+
+      debugPrint('$_tag sendResetPasswordSmsCode() - API 响应状态码: ${response.statusCode}');
+
+      if (response.statusCode != 200 && response.statusCode != 201) {
+        throw ApiException('发送验证码失败: ${response.statusCode}');
+      }
+
+      debugPrint('$_tag sendResetPasswordSmsCode() - 验证码发送成功');
+    } on ApiException catch (e) {
+      debugPrint('$_tag sendResetPasswordSmsCode() - API 异常: $e');
+      rethrow;
+    } catch (e, stackTrace) {
+      debugPrint('$_tag sendResetPasswordSmsCode() - 未知异常: $e');
+      debugPrint('$_tag sendResetPasswordSmsCode() - 堆栈: $stackTrace');
+      throw ApiException('发送验证码失败: $e');
+    }
+  }
+
+  /// 重置密码 (POST /user/reset-password)
+  ///
+  /// 用于找回密码功能，通过手机号+验证码重置密码
+  Future<void> resetPassword({
+    required String phoneNumber,
+    required String smsCode,
+    required String newPassword,
+  }) async {
+    debugPrint('$_tag resetPassword() - 开始重置密码');
+    debugPrint('$_tag resetPassword() - 手机号: $phoneNumber');
+
+    try {
+      final response = await _apiClient.post(
+        '/user/reset-password',
+        data: {
+          'phoneNumber': phoneNumber,
+          'smsCode': smsCode,
+          'newPassword': newPassword,
+        },
+      );
+
+      debugPrint('$_tag resetPassword() - API 响应状态码: ${response.statusCode}');
+
+      if (response.statusCode != 200 && response.statusCode != 201) {
+        throw ApiException('重置密码失败: ${response.statusCode}');
+      }
+
+      debugPrint('$_tag resetPassword() - 密码重置成功');
+    } on ApiException catch (e) {
+      debugPrint('$_tag resetPassword() - API 异常: $e');
+      rethrow;
+    } catch (e, stackTrace) {
+      debugPrint('$_tag resetPassword() - 未知异常: $e');
+      debugPrint('$_tag resetPassword() - 堆栈: $stackTrace');
+      throw ApiException('重置密码失败: $e');
+    }
+  }
+
   /// 手动重试钱包生成 (POST /user/wallet/retry)
   ///
   /// 当钱包生成失败或超时时，用户可手动触发重试
diff --git a/frontend/mobile-app/lib/core/services/authorization_service.dart b/frontend/mobile-app/lib/core/services/authorization_service.dart
index 62a2984d..ecf9bd7a 100644
--- a/frontend/mobile-app/lib/core/services/authorization_service.dart
+++ b/frontend/mobile-app/lib/core/services/authorization_service.dart
@@ -343,16 +343,40 @@ extension SelfApplyAuthorizationTypeExtension on SelfApplyAuthorizationType {
   }
 }
 
+/// 团队链中授权持有者信息
+class TeamChainAuthorizationHolder {
+  final String accountSequence;
+  final String nickname;
+
+  TeamChainAuthorizationHolder({
+    required this.accountSequence,
+    required this.nickname,
+  });
+
+  factory TeamChainAuthorizationHolder.fromJson(Map<String, dynamic> json) {
+    return TeamChainAuthorizationHolder(
+      accountSequence: json['accountSequence'] ?? '',
+      nickname: json['nickname'] ?? '',
+    );
+  }
+}
+
 /// 用户授权状态响应
 class UserAuthorizationStatusResponse {
   final bool hasPlanted;
   final int plantedCount;
   final List<String> existingAuthorizations;
+  /// 团队链中市团队授权持有者（如有）
+  final TeamChainAuthorizationHolder? teamChainCityTeamHolder;
+  /// 团队链中省团队授权持有者（如有）
+  final TeamChainAuthorizationHolder? teamChainProvinceTeamHolder;
 
   UserAuthorizationStatusResponse({
     required this.hasPlanted,
     required this.plantedCount,
     required this.existingAuthorizations,
+    this.teamChainCityTeamHolder,
+    this.teamChainProvinceTeamHolder,
   });
 
   factory UserAuthorizationStatusResponse.fromJson(Map<String, dynamic> json) {
@@ -362,6 +386,12 @@ class UserAuthorizationStatusResponse {
       existingAuthorizations: (json['existingAuthorizations'] as List<dynamic>?)
           ?.map((e) => e.toString())
           .toList() ?? [],
+      teamChainCityTeamHolder: json['teamChainCityTeamHolder'] != null
+          ? TeamChainAuthorizationHolder.fromJson(json['teamChainCityTeamHolder'])
+          : null,
+      teamChainProvinceTeamHolder: json['teamChainProvinceTeamHolder'] != null
+          ? TeamChainAuthorizationHolder.fromJson(json['teamChainProvinceTeamHolder'])
+          : null,
     );
   }
 }
diff --git a/frontend/mobile-app/lib/core/services/wallet_service.dart b/frontend/mobile-app/lib/core/services/wallet_service.dart
index 83da73f0..8eed7c7e 100644
--- a/frontend/mobile-app/lib/core/services/wallet_service.dart
+++ b/frontend/mobile-app/lib/core/services/wallet_service.dart
@@ -137,6 +137,60 @@ class ClaimRewardsResponse {
   }
 }
 
+/// 手续费类型
+enum FeeType {
+  fixed,     // 固定金额
+  percentage, // 百分比
+}
+
+/// 手续费配置
+class FeeConfig {
+  final FeeType feeType;
+  final double feeValue;
+  final double minFee;
+  final double maxFee;
+  final String? memo;
+
+  FeeConfig({
+    required this.feeType,
+    required this.feeValue,
+    required this.minFee,
+    required this.maxFee,
+    this.memo,
+  });
+
+  factory FeeConfig.fromJson(Map<String, dynamic> json) {
+    return FeeConfig(
+      feeType: json['feeType'] == 'FIXED' ? FeeType.fixed : FeeType.percentage,
+      feeValue: (json['feeValue'] ?? 2).toDouble(),
+      minFee: (json['minFee'] ?? 0).toDouble(),
+      maxFee: (json['maxFee'] ?? 0).toDouble(),
+      memo: json['memo'],
+    );
+  }
+
+  /// 计算手续费
+  double calculateFee(double amount) {
+    if (feeType == FeeType.fixed) {
+      return feeValue;
+    } else {
+      double fee = amount * feeValue;
+      if (minFee > 0 && fee < minFee) fee = minFee;
+      if (maxFee > 0 && fee > maxFee) fee = maxFee;
+      return fee;
+    }
+  }
+
+  /// 获取费率描述
+  String get description {
+    if (feeType == FeeType.fixed) {
+      return '固定 ${feeValue.toStringAsFixed(0)} 绿积分/笔';
+    } else {
+      return '${(feeValue * 100).toStringAsFixed(2)}%';
+    }
+  }
+}
+
 /// 钱包服务
 ///
 /// 提供钱包余额查询、奖励领取等功能
@@ -518,6 +572,53 @@ class WalletService {
       rethrow;
     }
   }
+
+  // =============== 手续费配置相关 API ===============
+
+  /// 获取提取手续费配置
+  ///
+  /// 调用 GET /wallet/fee-config (wallet-service)
+  Future<FeeConfig> getFeeConfig() async {
+    try {
+      debugPrint('[WalletService] ========== 获取手续费配置 ==========');
+      debugPrint('[WalletService] 请求: GET /wallet/fee-config');
+
+      final response = await _apiClient.get('/wallet/fee-config');
+
+      debugPrint('[WalletService] 响应状态码: ${response.statusCode}');
+
+      if (response.statusCode == 200) {
+        final responseData = response.data as Map<String, dynamic>;
+        final data = responseData['data'] as Map<String, dynamic>? ?? responseData;
+        final result = FeeConfig.fromJson(data);
+        debugPrint('[WalletService] 获取成功: ${result.description}');
+        debugPrint('[WalletService] ================================');
+        return result;
+      }
+
+      // 如果请求失败，返回默认配置
+      debugPrint('[WalletService] 获取失败，使用默认配置');
+      return FeeConfig(
+        feeType: FeeType.fixed,
+        feeValue: 2,
+        minFee: 0,
+        maxFee: 0,
+        memo: '默认配置',
+      );
+    } catch (e, stackTrace) {
+      debugPrint('[WalletService] !!!!!!!!!! 获取手续费配置异常 !!!!!!!!!!');
+      debugPrint('[WalletService] 错误: $e');
+      debugPrint('[WalletService] 堆栈: $stackTrace');
+      // 返回默认配置，不抛出异常
+      return FeeConfig(
+        feeType: FeeType.fixed,
+        feeValue: 2,
+        minFee: 0,
+        maxFee: 0,
+        memo: '默认配置 (请求失败)',
+      );
+    }
+  }
 }
 
 /// 提取响应
diff --git a/frontend/mobile-app/lib/features/auth/presentation/pages/forgot_password_page.dart b/frontend/mobile-app/lib/features/auth/presentation/pages/forgot_password_page.dart
new file mode 100644
index 00000000..6892400b
--- /dev/null
+++ b/frontend/mobile-app/lib/features/auth/presentation/pages/forgot_password_page.dart
@@ -0,0 +1,556 @@
+import 'package:flutter/material.dart';
+import 'package:flutter/services.dart';
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+import 'package:flutter_screenutil/flutter_screenutil.dart';
+import 'package:go_router/go_router.dart';
+import '../../../../core/di/injection_container.dart';
+
+/// 找回密码页面
+/// 通过手机号+短信验证码重置密码
+class ForgotPasswordPage extends ConsumerStatefulWidget {
+  const ForgotPasswordPage({super.key});
+
+  @override
+  ConsumerState<ForgotPasswordPage> createState() => _ForgotPasswordPageState();
+}
+
+class _ForgotPasswordPageState extends ConsumerState<ForgotPasswordPage> {
+  final TextEditingController _phoneController = TextEditingController();
+  final TextEditingController _smsCodeController = TextEditingController();
+  final TextEditingController _newPasswordController = TextEditingController();
+  final TextEditingController _confirmPasswordController = TextEditingController();
+
+  bool _isSubmitting = false;
+  bool _isSendingSms = false;
+  int _countdown = 0;
+  String? _errorMessage;
+  bool _obscureNewPassword = true;
+  bool _obscureConfirmPassword = true;
+
+  @override
+  void dispose() {
+    _phoneController.dispose();
+    _smsCodeController.dispose();
+    _newPasswordController.dispose();
+    _confirmPasswordController.dispose();
+    super.dispose();
+  }
+
+  /// 验证手机号格式
+  bool _isValidPhoneNumber(String phone) {
+    final regex = RegExp(r'^1[3-9]\d{9}$');
+    return regex.hasMatch(phone);
+  }
+
+  /// 发送短信验证码
+  Future<void> _sendSmsCode() async {
+    final phone = _phoneController.text.trim();
+
+    if (phone.isEmpty) {
+      setState(() => _errorMessage = '请输入手机号');
+      return;
+    }
+
+    if (!_isValidPhoneNumber(phone)) {
+      setState(() => _errorMessage = '请输入正确的手机号');
+      return;
+    }
+
+    setState(() {
+      _isSendingSms = true;
+      _errorMessage = null;
+    });
+
+    try {
+      final accountService = ref.read(accountServiceProvider);
+      await accountService.sendResetPasswordSmsCode(phone);
+
+      if (mounted) {
+        setState(() {
+          _isSendingSms = false;
+          _countdown = 60;
+        });
+        _startCountdown();
+
+        ScaffoldMessenger.of(context).showSnackBar(
+          const SnackBar(
+            content: Text('验证码已发送'),
+            backgroundColor: Color(0xFF4CAF50),
+            duration: Duration(seconds: 2),
+          ),
+        );
+      }
+    } catch (e) {
+      debugPrint('[ForgotPasswordPage] 发送验证码失败: $e');
+      if (mounted) {
+        setState(() {
+          _isSendingSms = false;
+          _errorMessage = '发送验证码失败，请稍后重试';
+        });
+      }
+    }
+  }
+
+  /// 开始倒计时
+  void _startCountdown() {
+    Future.doWhile(() async {
+      await Future.delayed(const Duration(seconds: 1));
+      if (!mounted || _countdown <= 0) return false;
+      setState(() {
+        _countdown--;
+      });
+      return _countdown > 0;
+    });
+  }
+
+  /// 验证输入
+  String? _validateInputs() {
+    final phone = _phoneController.text.trim();
+    final smsCode = _smsCodeController.text.trim();
+    final newPassword = _newPasswordController.text;
+    final confirmPassword = _confirmPasswordController.text;
+
+    if (phone.isEmpty) return '请输入手机号';
+    if (!_isValidPhoneNumber(phone)) return '请输入正确的手机号';
+    if (smsCode.isEmpty) return '请输入验证码';
+    if (smsCode.length != 6) return '验证码为6位数字';
+    if (newPassword.isEmpty) return '请输入新密码';
+    if (newPassword.length < 6) return '密码至少6位';
+    if (confirmPassword.isEmpty) return '请确认新密码';
+    if (newPassword != confirmPassword) return '两次输入的密码不一致';
+
+    return null;
+  }
+
+  /// 重置密码
+  Future<void> _resetPassword() async {
+    final validationError = _validateInputs();
+    if (validationError != null) {
+      setState(() => _errorMessage = validationError);
+      return;
+    }
+
+    setState(() {
+      _isSubmitting = true;
+      _errorMessage = null;
+    });
+
+    try {
+      final phone = _phoneController.text.trim();
+      final smsCode = _smsCodeController.text.trim();
+      final newPassword = _newPasswordController.text;
+
+      final accountService = ref.read(accountServiceProvider);
+      await accountService.resetPassword(
+        phoneNumber: phone,
+        smsCode: smsCode,
+        newPassword: newPassword,
+      );
+
+      if (mounted) {
+        ScaffoldMessenger.of(context).showSnackBar(
+          const SnackBar(
+            content: Text('密码重置成功，请重新登录'),
+            backgroundColor: Color(0xFF4CAF50),
+            duration: Duration(seconds: 2),
+          ),
+        );
+        context.pop();
+      }
+    } catch (e) {
+      debugPrint('[ForgotPasswordPage] 重置密码失败: $e');
+      setState(() {
+        _errorMessage = '重置密码失败: $e';
+      });
+    } finally {
+      if (mounted) {
+        setState(() => _isSubmitting = false);
+      }
+    }
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    return Scaffold(
+      body: Container(
+        decoration: const BoxDecoration(
+          gradient: LinearGradient(
+            begin: Alignment.topCenter,
+            end: Alignment.bottomCenter,
+            colors: [
+              Color(0xFFFFF5E6),
+              Color(0xFFEAE0C8),
+            ],
+          ),
+        ),
+        child: SafeArea(
+          child: Column(
+            children: [
+              _buildAppBar(),
+              Expanded(
+                child: GestureDetector(
+                  onTap: () => FocusScope.of(context).unfocus(),
+                  child: SingleChildScrollView(
+                    padding: EdgeInsets.symmetric(horizontal: 24.w),
+                    child: Column(
+                      crossAxisAlignment: CrossAxisAlignment.start,
+                      children: [
+                        SizedBox(height: 32.h),
+                        _buildPhoneInput(),
+                        SizedBox(height: 16.h),
+                        _buildSmsCodeInput(),
+                        SizedBox(height: 16.h),
+                        _buildNewPasswordInput(),
+                        SizedBox(height: 16.h),
+                        _buildConfirmPasswordInput(),
+                        if (_errorMessage != null) ...[
+                          SizedBox(height: 16.h),
+                          _buildErrorMessage(),
+                        ],
+                        SizedBox(height: 32.h),
+                        _buildSubmitButton(),
+                        SizedBox(height: 32.h),
+                      ],
+                    ),
+                  ),
+                ),
+              ),
+            ],
+          ),
+        ),
+      ),
+    );
+  }
+
+  Widget _buildAppBar() {
+    return Container(
+      height: 56.h,
+      padding: EdgeInsets.symmetric(horizontal: 8.w),
+      child: Row(
+        children: [
+          IconButton(
+            icon: const Icon(Icons.arrow_back_ios, color: Color(0xFF5D4037)),
+            onPressed: () => context.pop(),
+          ),
+          Expanded(
+            child: Text(
+              '找回密码',
+              style: TextStyle(
+                fontSize: 18.sp,
+                fontWeight: FontWeight.w600,
+                color: const Color(0xFF5D4037),
+              ),
+              textAlign: TextAlign.center,
+            ),
+          ),
+          SizedBox(width: 48.w),
+        ],
+      ),
+    );
+  }
+
+  Widget _buildPhoneInput() {
+    return Column(
+      crossAxisAlignment: CrossAxisAlignment.start,
+      children: [
+        Text(
+          '手机号',
+          style: TextStyle(
+            fontSize: 14.sp,
+            color: const Color(0xFF5D4037),
+            fontWeight: FontWeight.w600,
+          ),
+        ),
+        SizedBox(height: 8.h),
+        Container(
+          padding: EdgeInsets.symmetric(vertical: 12.h),
+          decoration: const BoxDecoration(
+            border: Border(
+              bottom: BorderSide(color: Color(0xFFD4A574), width: 1),
+            ),
+          ),
+          child: TextField(
+            controller: _phoneController,
+            keyboardType: TextInputType.phone,
+            inputFormatters: [
+              FilteringTextInputFormatter.digitsOnly,
+              LengthLimitingTextInputFormatter(11),
+            ],
+            style: TextStyle(
+              fontSize: 16.sp,
+              color: const Color(0xFF5D4037),
+              fontWeight: FontWeight.w500,
+            ),
+            decoration: InputDecoration(
+              hintText: '请输入手机号',
+              hintStyle: TextStyle(fontSize: 16.sp, color: const Color(0xFFB8956A)),
+              border: InputBorder.none,
+              isDense: false,
+              contentPadding: EdgeInsets.zero,
+            ),
+            onChanged: (_) {
+              if (_errorMessage != null) setState(() => _errorMessage = null);
+            },
+          ),
+        ),
+      ],
+    );
+  }
+
+  Widget _buildSmsCodeInput() {
+    return Column(
+      crossAxisAlignment: CrossAxisAlignment.start,
+      children: [
+        Text(
+          '验证码',
+          style: TextStyle(
+            fontSize: 14.sp,
+            color: const Color(0xFF5D4037),
+            fontWeight: FontWeight.w600,
+          ),
+        ),
+        SizedBox(height: 8.h),
+        Container(
+          padding: EdgeInsets.symmetric(vertical: 12.h),
+          decoration: const BoxDecoration(
+            border: Border(
+              bottom: BorderSide(color: Color(0xFFD4A574), width: 1),
+            ),
+          ),
+          child: Row(
+            children: [
+              Expanded(
+                child: TextField(
+                  controller: _smsCodeController,
+                  keyboardType: TextInputType.number,
+                  inputFormatters: [
+                    FilteringTextInputFormatter.digitsOnly,
+                    LengthLimitingTextInputFormatter(6),
+                  ],
+                  style: TextStyle(
+                    fontSize: 16.sp,
+                    color: const Color(0xFF5D4037),
+                    fontWeight: FontWeight.w500,
+                  ),
+                  decoration: InputDecoration(
+                    hintText: '请输入验证码',
+                    hintStyle: TextStyle(fontSize: 16.sp, color: const Color(0xFFB8956A)),
+                    border: InputBorder.none,
+                    isDense: false,
+                    contentPadding: EdgeInsets.zero,
+                  ),
+                  onChanged: (_) {
+                    if (_errorMessage != null) setState(() => _errorMessage = null);
+                  },
+                ),
+              ),
+              GestureDetector(
+                onTap: (_isSendingSms || _countdown > 0) ? null : _sendSmsCode,
+                child: Container(
+                  padding: EdgeInsets.symmetric(horizontal: 12.w, vertical: 8.h),
+                  decoration: BoxDecoration(
+                    color: (_isSendingSms || _countdown > 0)
+                        ? const Color(0xFFD4C4B0)
+                        : const Color(0xFF8B5A2B),
+                    borderRadius: BorderRadius.circular(6.r),
+                  ),
+                  child: Text(
+                    _isSendingSms
+                        ? '发送中...'
+                        : _countdown > 0
+                            ? '${_countdown}s'
+                            : '获取验证码',
+                    style: TextStyle(
+                      fontSize: 13.sp,
+                      color: Colors.white,
+                      fontWeight: FontWeight.w500,
+                    ),
+                  ),
+                ),
+              ),
+            ],
+          ),
+        ),
+      ],
+    );
+  }
+
+  Widget _buildNewPasswordInput() {
+    return Column(
+      crossAxisAlignment: CrossAxisAlignment.start,
+      children: [
+        Text(
+          '新密码',
+          style: TextStyle(
+            fontSize: 14.sp,
+            color: const Color(0xFF5D4037),
+            fontWeight: FontWeight.w600,
+          ),
+        ),
+        SizedBox(height: 8.h),
+        Container(
+          padding: EdgeInsets.symmetric(vertical: 12.h),
+          decoration: const BoxDecoration(
+            border: Border(
+              bottom: BorderSide(color: Color(0xFFD4A574), width: 1),
+            ),
+          ),
+          child: Row(
+            children: [
+              Expanded(
+                child: TextField(
+                  controller: _newPasswordController,
+                  obscureText: _obscureNewPassword,
+                  style: TextStyle(
+                    fontSize: 16.sp,
+                    color: const Color(0xFF5D4037),
+                    fontWeight: FontWeight.w500,
+                  ),
+                  decoration: InputDecoration(
+                    hintText: '请输入新密码（至少6位）',
+                    hintStyle: TextStyle(fontSize: 16.sp, color: const Color(0xFFB8956A)),
+                    border: InputBorder.none,
+                    isDense: false,
+                    contentPadding: EdgeInsets.zero,
+                  ),
+                  onChanged: (_) {
+                    if (_errorMessage != null) setState(() => _errorMessage = null);
+                  },
+                ),
+              ),
+              GestureDetector(
+                onTap: () => setState(() => _obscureNewPassword = !_obscureNewPassword),
+                child: Icon(
+                  _obscureNewPassword ? Icons.visibility_off : Icons.visibility,
+                  color: const Color(0xFF8B6F47),
+                  size: 20.sp,
+                ),
+              ),
+            ],
+          ),
+        ),
+      ],
+    );
+  }
+
+  Widget _buildConfirmPasswordInput() {
+    return Column(
+      crossAxisAlignment: CrossAxisAlignment.start,
+      children: [
+        Text(
+          '确认新密码',
+          style: TextStyle(
+            fontSize: 14.sp,
+            color: const Color(0xFF5D4037),
+            fontWeight: FontWeight.w600,
+          ),
+        ),
+        SizedBox(height: 8.h),
+        Container(
+          padding: EdgeInsets.symmetric(vertical: 12.h),
+          decoration: const BoxDecoration(
+            border: Border(
+              bottom: BorderSide(color: Color(0xFFD4A574), width: 1),
+            ),
+          ),
+          child: Row(
+            children: [
+              Expanded(
+                child: TextField(
+                  controller: _confirmPasswordController,
+                  obscureText: _obscureConfirmPassword,
+                  style: TextStyle(
+                    fontSize: 16.sp,
+                    color: const Color(0xFF5D4037),
+                    fontWeight: FontWeight.w500,
+                  ),
+                  decoration: InputDecoration(
+                    hintText: '请再次输入新密码',
+                    hintStyle: TextStyle(fontSize: 16.sp, color: const Color(0xFFB8956A)),
+                    border: InputBorder.none,
+                    isDense: false,
+                    contentPadding: EdgeInsets.zero,
+                  ),
+                  onChanged: (_) {
+                    if (_errorMessage != null) setState(() => _errorMessage = null);
+                  },
+                  onSubmitted: (_) => _resetPassword(),
+                ),
+              ),
+              GestureDetector(
+                onTap: () => setState(() => _obscureConfirmPassword = !_obscureConfirmPassword),
+                child: Icon(
+                  _obscureConfirmPassword ? Icons.visibility_off : Icons.visibility,
+                  color: const Color(0xFF8B6F47),
+                  size: 20.sp,
+                ),
+              ),
+            ],
+          ),
+        ),
+      ],
+    );
+  }
+
+  Widget _buildErrorMessage() {
+    return Container(
+      padding: EdgeInsets.all(12.w),
+      decoration: BoxDecoration(
+        color: Colors.red.withOpacity(0.1),
+        borderRadius: BorderRadius.circular(8.r),
+        border: Border.all(color: Colors.red.withOpacity(0.3), width: 1),
+      ),
+      child: Row(
+        children: [
+          Icon(Icons.error_outline, color: Colors.red, size: 16.sp),
+          SizedBox(width: 8.w),
+          Expanded(
+            child: Text(
+              _errorMessage!,
+              style: TextStyle(fontSize: 14.sp, color: Colors.red),
+            ),
+          ),
+        ],
+      ),
+    );
+  }
+
+  Widget _buildSubmitButton() {
+    final canSubmit = !_isSubmitting &&
+        _phoneController.text.trim().isNotEmpty &&
+        _smsCodeController.text.trim().isNotEmpty &&
+        _newPasswordController.text.isNotEmpty &&
+        _confirmPasswordController.text.isNotEmpty;
+
+    return SizedBox(
+      width: double.infinity,
+      height: 50.h,
+      child: ElevatedButton(
+        onPressed: canSubmit ? _resetPassword : null,
+        style: ElevatedButton.styleFrom(
+          backgroundColor: canSubmit ? const Color(0xFF8B5A2B) : const Color(0xFFD4C4B0),
+          disabledBackgroundColor: const Color(0xFFD4C4B0),
+          shape: RoundedRectangleBorder(borderRadius: BorderRadius.circular(12.r)),
+          elevation: 0,
+        ),
+        child: _isSubmitting
+            ? SizedBox(
+                width: 20.w,
+                height: 20.h,
+                child: const CircularProgressIndicator(
+                  strokeWidth: 2,
+                  valueColor: AlwaysStoppedAnimation<Color>(Colors.white),
+                ),
+              )
+            : Text(
+                '重置密码',
+                style: TextStyle(
+                  fontSize: 16.sp,
+                  fontWeight: FontWeight.w700,
+                  color: canSubmit ? Colors.white : const Color(0xFFB8956A),
+                ),
+              ),
+      ),
+    );
+  }
+}
diff --git a/frontend/mobile-app/lib/features/auth/presentation/pages/guide_page.dart b/frontend/mobile-app/lib/features/auth/presentation/pages/guide_page.dart
index c39d4bb6..339872a6 100644
--- a/frontend/mobile-app/lib/features/auth/presentation/pages/guide_page.dart
+++ b/frontend/mobile-app/lib/features/auth/presentation/pages/guide_page.dart
@@ -690,10 +690,10 @@ class _WelcomePageContentState extends ConsumerState<_WelcomePageContent> {
           ],
         ),
         SizedBox(height: 24.h),
-        // 恢复账号入口（手机号+密码登录）
+        // 登录账号入口（手机号+密码登录）
         GestureDetector(
           onTap: () {
-            debugPrint('[GuidePage] 跳转到恢复账号页面');
+            debugPrint('[GuidePage] 跳转到登录账号页面');
             context.push(RoutePaths.phoneLogin);
           },
           child: Container(
@@ -717,7 +717,7 @@ class _WelcomePageContentState extends ConsumerState<_WelcomePageContent> {
                 ),
                 SizedBox(width: 8.w),
                 Text(
-                  '恢复账号',
+                  '登录账号',
                   style: TextStyle(
                     fontSize: 15.sp,
                     fontWeight: FontWeight.w500,
diff --git a/frontend/mobile-app/lib/features/auth/presentation/pages/phone_login_page.dart b/frontend/mobile-app/lib/features/auth/presentation/pages/phone_login_page.dart
index d803bfb2..5d776335 100644
--- a/frontend/mobile-app/lib/features/auth/presentation/pages/phone_login_page.dart
+++ b/frontend/mobile-app/lib/features/auth/presentation/pages/phone_login_page.dart
@@ -8,7 +8,7 @@ import '../../../../routes/route_paths.dart';
 import '../providers/auth_provider.dart';
 
 /// 手机号+密码登录页面
-/// 用于"恢复账号"功能
+/// 用于"登录账号"功能
 class PhoneLoginPage extends ConsumerStatefulWidget {
   const PhoneLoginPage({super.key});
 
@@ -159,12 +159,15 @@ class _PhoneLoginPageState extends ConsumerState<PhoneLoginPage> {
                 SizedBox(height: 16.h),
                 // 密码输入框
                 _buildPasswordInput(),
+                SizedBox(height: 12.h),
+                // 找回密码
+                _buildForgotPassword(),
                 // 错误提示
                 if (_errorMessage != null) ...[
                   SizedBox(height: 16.h),
                   _buildErrorMessage(),
                 ],
-                SizedBox(height: 32.h),
+                SizedBox(height: 24.h),
                 // 登录按钮
                 _buildLoginButton(),
                 SizedBox(height: 24.h),
@@ -199,7 +202,7 @@ class _PhoneLoginPageState extends ConsumerState<PhoneLoginPage> {
           ),
           Expanded(
             child: Text(
-              '恢复账号',
+              '登录账号',
               style: TextStyle(
                 fontSize: 18.sp,
                 fontWeight: FontWeight.w600,
@@ -346,6 +349,27 @@ class _PhoneLoginPageState extends ConsumerState<PhoneLoginPage> {
     );
   }
 
+  /// 构建找回密码链接
+  Widget _buildForgotPassword() {
+    return Align(
+      alignment: Alignment.centerRight,
+      child: GestureDetector(
+        onTap: () {
+          debugPrint('[PhoneLoginPage] 跳转到找回密码页面');
+          context.push(RoutePaths.forgotPassword);
+        },
+        child: Text(
+          '找回密码',
+          style: TextStyle(
+            fontSize: 14.sp,
+            color: const Color(0xFF8B5A2B),
+            fontWeight: FontWeight.w500,
+          ),
+        ),
+      ),
+    );
+  }
+
   /// 构建错误提示
   Widget _buildErrorMessage() {
     return Container(
diff --git a/frontend/mobile-app/lib/features/authorization/presentation/pages/authorization_apply_page.dart b/frontend/mobile-app/lib/features/authorization/presentation/pages/authorization_apply_page.dart
index 08395e66..82b25b8c 100644
--- a/frontend/mobile-app/lib/features/authorization/presentation/pages/authorization_apply_page.dart
+++ b/frontend/mobile-app/lib/features/authorization/presentation/pages/authorization_apply_page.dart
@@ -30,11 +30,11 @@ extension AuthorizationTypeExtension on AuthorizationType {
   String get description {
     switch (this) {
       case AuthorizationType.community:
-        return '社区权益 - 576 CNY/棵';
+        return '社区权益 - 576 绿积分/棵';
       case AuthorizationType.cityTeam:
-        return '市团队权益 - 288 CNY/棵';
+        return '市团队权益 - 288 绿积分/棵';
       case AuthorizationType.provinceTeam:
-        return '省团队权益 - 144 CNY/棵';
+        return '省团队权益 - 144 绿积分/棵';
     }
   }
 }
@@ -80,6 +80,12 @@ class _AuthorizationApplyPageState
   /// 用户已有的授权
   List<String> _existingAuthorizations = [];
 
+  /// 团队链中市团队授权持有者
+  TeamChainAuthorizationHolder? _teamChainCityTeamHolder;
+
+  /// 团队链中省团队授权持有者
+  TeamChainAuthorizationHolder? _teamChainProvinceTeamHolder;
+
   /// 保存的省市信息（来自认种时选择）
   String? _savedProvinceName;
   String? _savedProvinceCode;
@@ -132,6 +138,8 @@ class _AuthorizationApplyPageState
           _hasPlanted = status.hasPlanted;
           _plantedCount = status.plantedCount;
           _existingAuthorizations = status.existingAuthorizations;
+          _teamChainCityTeamHolder = status.teamChainCityTeamHolder;
+          _teamChainProvinceTeamHolder = status.teamChainProvinceTeamHolder;
           _isLoading = false;
         });
       }
@@ -847,8 +855,20 @@ class _AuthorizationApplyPageState
     final isSelected = _selectedType == type;
     final isAlreadyHas = _existingAuthorizations.contains(type.displayName);
 
+    // 检查团队链中是否有该类型授权持有者
+    TeamChainAuthorizationHolder? teamChainHolder;
+    if (type == AuthorizationType.cityTeam) {
+      teamChainHolder = _teamChainCityTeamHolder;
+    } else if (type == AuthorizationType.provinceTeam) {
+      teamChainHolder = _teamChainProvinceTeamHolder;
+    }
+    final isTeamChainBlocked = teamChainHolder != null;
+
+    // 综合判断是否禁用
+    final isDisabled = isAlreadyHas || isTeamChainBlocked;
+
     return GestureDetector(
-      onTap: isAlreadyHas
+      onTap: isDisabled
           ? null
           : () {
               setState(() {
@@ -860,7 +880,7 @@ class _AuthorizationApplyPageState
         margin: const EdgeInsets.only(bottom: 12),
         padding: const EdgeInsets.all(16),
         decoration: BoxDecoration(
-          color: isAlreadyHas
+          color: isDisabled
               ? const Color(0xFFE0E0E0)
               : isSelected
                   ? const Color(0xFFD4AF37).withValues(alpha: 0.1)
@@ -882,7 +902,7 @@ class _AuthorizationApplyPageState
               decoration: BoxDecoration(
                 shape: BoxShape.circle,
                 border: Border.all(
-                  color: isAlreadyHas
+                  color: isDisabled
                       ? const Color(0xFF9E9E9E)
                       : isSelected
                           ? const Color(0xFFD4AF37)
@@ -911,7 +931,7 @@ class _AuthorizationApplyPageState
                       fontSize: 16,
                       fontFamily: 'Inter',
                       fontWeight: FontWeight.w600,
-                      color: isAlreadyHas
+                      color: isDisabled
                           ? const Color(0xFF9E9E9E)
                           : const Color(0xFF5D4037),
                     ),
@@ -922,11 +942,23 @@ class _AuthorizationApplyPageState
                     style: TextStyle(
                       fontSize: 14,
                       fontFamily: 'Inter',
-                      color: isAlreadyHas
+                      color: isDisabled
                           ? const Color(0xFFBDBDBD)
                           : const Color(0xFF745D43),
                     ),
                   ),
+                  // 显示团队链授权持有者信息
+                  if (isTeamChainBlocked) ...[
+                    const SizedBox(height: 8),
+                    Text(
+                      '团队中已有人拥有此权益：${teamChainHolder!.nickname}（${teamChainHolder.accountSequence}）',
+                      style: const TextStyle(
+                        fontSize: 12,
+                        fontFamily: 'Inter',
+                        color: Color(0xFFFF9800),
+                      ),
+                    ),
+                  ],
                 ],
               ),
             ),
@@ -946,6 +978,22 @@ class _AuthorizationApplyPageState
                     color: Colors.white,
                   ),
                 ),
+              )
+            else if (isTeamChainBlocked)
+              Container(
+                padding: const EdgeInsets.symmetric(horizontal: 8, vertical: 4),
+                decoration: BoxDecoration(
+                  color: const Color(0xFFFF9800),
+                  borderRadius: BorderRadius.circular(4),
+                ),
+                child: const Text(
+                  '不可申请',
+                  style: TextStyle(
+                    fontSize: 12,
+                    fontFamily: 'Inter',
+                    color: Colors.white,
+                  ),
+                ),
               ),
           ],
         ),
diff --git a/frontend/mobile-app/lib/features/mining/presentation/pages/mining_page.dart b/frontend/mobile-app/lib/features/mining/presentation/pages/mining_page.dart
index 8961272a..93693c6a 100644
--- a/frontend/mobile-app/lib/features/mining/presentation/pages/mining_page.dart
+++ b/frontend/mobile-app/lib/features/mining/presentation/pages/mining_page.dart
@@ -575,7 +575,7 @@ class _MiningPageState extends ConsumerState<MiningPage> {
                   ),
                   SizedBox(height: 8),
                   Text(
-                    '视频流功能开发中...',
+                    '待开启...',
                     style: TextStyle(
                       fontSize: 14,
                       fontFamily: 'Inter',
diff --git a/frontend/mobile-app/lib/features/withdraw/presentation/pages/withdraw_confirm_page.dart b/frontend/mobile-app/lib/features/withdraw/presentation/pages/withdraw_confirm_page.dart
index 0e791bf5..6dbff26a 100644
--- a/frontend/mobile-app/lib/features/withdraw/presentation/pages/withdraw_confirm_page.dart
+++ b/frontend/mobile-app/lib/features/withdraw/presentation/pages/withdraw_confirm_page.dart
@@ -4,6 +4,7 @@ import 'package:flutter_riverpod/flutter_riverpod.dart';
 import 'package:go_router/go_router.dart';
 import 'withdraw_usdt_page.dart';
 import '../../../../core/di/injection_container.dart';
+import '../../../../core/services/wallet_service.dart';
 
 /// 提取确认页面
 /// 显示提取详情并进行谷歌验证器验证
@@ -50,13 +51,36 @@ class _WithdrawConfirmPageState extends ConsumerState<WithdrawConfirmPage> {
   /// 用户手机号（脱敏显示）
   String? _maskedPhoneNumber;
 
-  /// 手续费率
-  final double _feeRate = 0.001; // 0.1%
+  /// 手续费配置
+  FeeConfig? _feeConfig;
 
   @override
   void initState() {
     super.initState();
-    _loadUserPhone();
+    _loadInitData();
+  }
+
+  /// 加载初始数据（手机号和手续费配置）
+  Future<void> _loadInitData() async {
+    await Future.wait([
+      _loadUserPhone(),
+      _loadFeeConfig(),
+    ]);
+  }
+
+  /// 加载手续费配置
+  Future<void> _loadFeeConfig() async {
+    try {
+      final walletService = ref.read(walletServiceProvider);
+      final feeConfig = await walletService.getFeeConfig();
+      if (mounted) {
+        setState(() {
+          _feeConfig = feeConfig;
+        });
+      }
+    } catch (e) {
+      debugPrint('[WithdrawConfirmPage] 加载手续费配置失败: $e');
+    }
   }
 
   /// 加载用户手机号
@@ -156,12 +180,16 @@ class _WithdrawConfirmPageState extends ConsumerState<WithdrawConfirmPage> {
 
   /// 计算手续费
   double _calculateFee() {
-    return widget.params.amount * _feeRate;
+    if (_feeConfig != null) {
+      return _feeConfig!.calculateFee(widget.params.amount);
+    }
+    // 默认固定 2 绿积分
+    return 2;
   }
 
-  /// 计算实际到账
+  /// 计算实际到账（接收方收到完整金额，手续费由发送方额外承担）
   double _calculateActualAmount() {
-    return widget.params.amount - _calculateFee();
+    return widget.params.amount;
   }
 
   /// 获取网络名称
diff --git a/frontend/mobile-app/lib/features/withdraw/presentation/pages/withdraw_usdt_page.dart b/frontend/mobile-app/lib/features/withdraw/presentation/pages/withdraw_usdt_page.dart
index 43139b86..2f705204 100644
--- a/frontend/mobile-app/lib/features/withdraw/presentation/pages/withdraw_usdt_page.dart
+++ b/frontend/mobile-app/lib/features/withdraw/presentation/pages/withdraw_usdt_page.dart
@@ -6,6 +6,7 @@ import 'package:go_router/go_router.dart';
 import 'package:image_picker/image_picker.dart';
 import 'package:mobile_scanner/mobile_scanner.dart';
 import '../../../../core/di/injection_container.dart';
+import '../../../../core/services/wallet_service.dart';
 import '../../../../routes/route_paths.dart';
 
 /// 提款网络枚举
@@ -52,8 +53,8 @@ class _WithdrawUsdtPageState extends ConsumerState<WithdrawUsdtPage> {
   /// 钱包是否已就绪
   bool _isWalletReady = false;
 
-  /// 手续费率
-  final double _feeRate = 0.001; // 0.1%
+  /// 手续费配置
+  FeeConfig? _feeConfig;
 
   /// 最小提款金额
   final double _minAmount = 100.0;
@@ -103,18 +104,28 @@ class _WithdrawUsdtPageState extends ConsumerState<WithdrawUsdtPage> {
         _isWalletReady = false;
       }
 
-      // 如果钱包已就绪，查询余额
+      // 如果钱包已就绪，查询余额和手续费配置
       if (_isWalletReady) {
         try {
           final walletService = ref.read(walletServiceProvider);
-          final wallet = await walletService.getMyWallet();
+
+          // 并行加载余额和手续费配置
+          final results = await Future.wait([
+            walletService.getMyWallet(),
+            walletService.getFeeConfig(),
+          ]);
+
+          final wallet = results[0] as WalletResponse;
+          final feeConfig = results[1] as FeeConfig;
 
           if (mounted) {
             setState(() {
               _usdtBalance = wallet.balances.usdt.available;
+              _feeConfig = feeConfig;
               _isLoading = false;
             });
             debugPrint('[WithdrawUsdtPage] USDT 余额: $_usdtBalance');
+            debugPrint('[WithdrawUsdtPage] 手续费配置: ${feeConfig.description}');
           }
         } catch (e, stackTrace) {
           debugPrint('[WithdrawUsdtPage] 加载余额失败: $e');
@@ -165,13 +176,17 @@ class _WithdrawUsdtPageState extends ConsumerState<WithdrawUsdtPage> {
   /// 计算手续费
   double _calculateFee() {
     final amount = double.tryParse(_amountController.text) ?? 0;
-    return amount * _feeRate;
+    if (_feeConfig != null) {
+      return _feeConfig!.calculateFee(amount);
+    }
+    // 默认固定 2 绿积分
+    return 2;
   }
 
-  /// 计算实际到账
+  /// 计算实际到账（接收方收到完整金额，手续费由发送方额外承担）
   double _calculateActualAmount() {
     final amount = double.tryParse(_amountController.text) ?? 0;
-    return amount - _calculateFee();
+    return amount;
   }
 
   /// 验证并提交
diff --git a/frontend/mobile-app/lib/routes/app_router.dart b/frontend/mobile-app/lib/routes/app_router.dart
index d6e278b1..15673094 100644
--- a/frontend/mobile-app/lib/routes/app_router.dart
+++ b/frontend/mobile-app/lib/routes/app_router.dart
@@ -11,6 +11,7 @@ import '../features/auth/presentation/pages/wallet_created_page.dart';
 import '../features/auth/presentation/pages/import_mnemonic_page.dart';
 import '../features/auth/presentation/pages/phone_register_page.dart';
 import '../features/auth/presentation/pages/phone_login_page.dart';
+import '../features/auth/presentation/pages/forgot_password_page.dart';
 import '../features/auth/presentation/pages/sms_verify_page.dart';
 import '../features/auth/presentation/pages/set_password_page.dart';
 import '../features/home/presentation/pages/home_shell_page.dart';
@@ -155,6 +156,15 @@ final appRouterProvider = Provider<GoRouter>((ref) {
         },
       ),
 
+      // Forgot Password (找回密码)
+      GoRoute(
+        path: RoutePaths.forgotPassword,
+        name: RouteNames.forgotPassword,
+        builder: (context, state) {
+          return const ForgotPasswordPage();
+        },
+      ),
+
       // SMS Verify (短信验证码)
       GoRoute(
         path: RoutePaths.smsVerify,
diff --git a/frontend/mobile-app/lib/routes/route_names.dart b/frontend/mobile-app/lib/routes/route_names.dart
index ff036a8c..8635ef93 100644
--- a/frontend/mobile-app/lib/routes/route_names.dart
+++ b/frontend/mobile-app/lib/routes/route_names.dart
@@ -13,6 +13,7 @@ class RouteNames {
   static const importMnemonic = 'import-mnemonic';
   static const phoneRegister = 'phone-register';
   static const phoneLogin = 'phone-login';
+  static const forgotPassword = 'forgot-password';
   static const smsVerify = 'sms-verify';
   static const setPassword = 'set-password';
 
diff --git a/frontend/mobile-app/lib/routes/route_paths.dart b/frontend/mobile-app/lib/routes/route_paths.dart
index 4a7554bc..ba3af4ef 100644
--- a/frontend/mobile-app/lib/routes/route_paths.dart
+++ b/frontend/mobile-app/lib/routes/route_paths.dart
@@ -13,6 +13,7 @@ class RoutePaths {
   static const importMnemonic = '/auth/import-mnemonic';
   static const phoneRegister = '/auth/phone-register';
   static const phoneLogin = '/auth/phone-login';
+  static const forgotPassword = '/auth/forgot-password';
   static const smsVerify = '/auth/sms-verify';
   static const setPassword = '/auth/set-password';