diff --git a/backend/services/wallet-service/src/application/services/system-withdrawal-application.service.ts b/backend/services/wallet-service/src/application/services/system-withdrawal-application.service.ts
index bffa1824..0cfdb6f8 100644
--- a/backend/services/wallet-service/src/application/services/system-withdrawal-application.service.ts
+++ b/backend/services/wallet-service/src/application/services/system-withdrawal-application.service.ts
@@ -179,6 +179,15 @@ export class SystemWithdrawalApplicationService {
       });
 
       // 6.4 记录系统账户转出流水
+      // [2026-01-07] 更新：memo 包含完整的接收方和操作员信息
+      const memoDetails = [
+        `转账至 ${command.toAccountSequence}`,
+        toUserInfo.realName ? `(${toUserInfo.realName})` : null,
+        `地址: ${toUserInfo.walletAddress.slice(0, 10)}...${toUserInfo.walletAddress.slice(-8)}`,
+        `操作员: ${command.operatorName || command.operatorId}`,
+        command.memo ? `备注: ${command.memo}` : null,
+      ].filter(Boolean).join(' | ');
+
       await tx.ledgerEntry.create({
         data: {
           accountSequence: command.fromAccountSequence,
@@ -188,11 +197,12 @@ export class SystemWithdrawalApplicationService {
           assetType: 'USDT',
           balanceAfter: newBalance,
           refOrderId: orderNo,
-          memo: `转账至 ${command.toAccountSequence}${toUserInfo.realName ? ` (${toUserInfo.realName})` : ''}${command.memo ? ` - ${command.memo}` : ''}`,
+          memo: memoDetails,
           payloadJson: {
             toAccountSequence: command.toAccountSequence,
             toUserId: toUserInfo.userId,
             toUserName: toUserInfo.realName,
+            toAddress: toUserInfo.walletAddress,
             operatorId: command.operatorId,
             operatorName: command.operatorName,
           },