diff --git a/frontend/mobile-app/lib/core/services/account_service.dart b/frontend/mobile-app/lib/core/services/account_service.dart
index bfea0bc2..2003a5a1 100644
--- a/frontend/mobile-app/lib/core/services/account_service.dart
+++ b/frontend/mobile-app/lib/core/services/account_service.dart
@@ -522,6 +522,33 @@ class AccountService {
     }
   }
 
+  /// 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
+  Future<void> retryWalletGeneration() async {
+    debugPrint('$_tag retryWalletGeneration() - 开始手动重试钱包生成');
+
+    try {
+      debugPrint('$_tag retryWalletGeneration() - 调用 POST /user/wallet/retry');
+      final response = await _apiClient.post('/user/wallet/retry');
+      debugPrint('$_tag retryWalletGeneration() - API 响应状态码: ${response.statusCode}');
+
+      if (response.statusCode == 200) {
+        debugPrint('$_tag retryWalletGeneration() - 重试请求已提交');
+      } else {
+        debugPrint('$_tag retryWalletGeneration() - 请求失败，状态码: ${response.statusCode}');
+        throw ApiException('重试钱包生成失败: ${response.statusCode}');
+      }
+    } on ApiException catch (e) {
+      debugPrint('$_tag retryWalletGeneration() - API 异常: $e');
+      rethrow;
+    } catch (e, stackTrace) {
+      debugPrint('$_tag retryWalletGeneration() - 未知异常: $e');
+      debugPrint('$_tag retryWalletGeneration() - 堆栈: $stackTrace');
+      throw ApiException('重试钱包生成失败: $e');
+    }
+  }
+
   /// 获取当前用户完整信息 (GET /me)
   ///
   /// 返回用户的所有信息，包括推荐人序列号
diff --git a/frontend/mobile-app/lib/features/auth/presentation/providers/wallet_status_provider.dart b/frontend/mobile-app/lib/features/auth/presentation/providers/wallet_status_provider.dart
new file mode 100644
index 00000000..98935333
--- /dev/null
+++ b/frontend/mobile-app/lib/features/auth/presentation/providers/wallet_status_provider.dart
@@ -0,0 +1,184 @@
+import 'dart:async';
+import 'package:flutter/foundation.dart';
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+import '../../../../core/di/injection_container.dart';
+import '../../../../core/services/account_service.dart';
+import '../../../../core/storage/secure_storage.dart';
+import '../../../../core/storage/storage_keys.dart';
+
+/// 钱包状态枚举
+enum WalletGenerationStatus {
+  unknown, // 未知状态
+  generating, // 生成中
+  ready, // 已就绪
+  failed, // 生成失败
+}
+
+/// 钱包状态信息
+class WalletStatusState {
+  final WalletGenerationStatus status;
+  final String? errorMessage;
+  final DateTime? lastChecked;
+  final bool isPolling;
+
+  const WalletStatusState({
+    this.status = WalletGenerationStatus.unknown,
+    this.errorMessage,
+    this.lastChecked,
+    this.isPolling = false,
+  });
+
+  WalletStatusState copyWith({
+    WalletGenerationStatus? status,
+    String? errorMessage,
+    DateTime? lastChecked,
+    bool? isPolling,
+  }) {
+    return WalletStatusState(
+      status: status ?? this.status,
+      errorMessage: errorMessage,
+      lastChecked: lastChecked ?? this.lastChecked,
+      isPolling: isPolling ?? this.isPolling,
+    );
+  }
+
+  bool get isGenerating => status == WalletGenerationStatus.generating;
+  bool get isReady => status == WalletGenerationStatus.ready;
+  bool get isFailed => status == WalletGenerationStatus.failed;
+}
+
+/// 钱包状态管理器
+class WalletStatusNotifier extends StateNotifier<WalletStatusState> {
+  final AccountService _accountService;
+  final SecureStorage _secureStorage;
+  Timer? _pollingTimer;
+
+  WalletStatusNotifier(this._accountService, this._secureStorage)
+      : super(const WalletStatusState());
+
+  /// 开始轮询钱包状态
+  ///
+  /// 每5秒检查一次，直到钱包就绪或失败
+  Future<void> startPolling() async {
+    if (state.isPolling) {
+      debugPrint('[WalletStatusProvider] Already polling, skipping');
+      return;
+    }
+
+    debugPrint('[WalletStatusProvider] Starting wallet status polling');
+    state = state.copyWith(isPolling: true);
+
+    // 立即检查一次
+    await _checkWalletStatus();
+
+    // 设置定时器，每5秒检查一次
+    _pollingTimer?.cancel();
+    _pollingTimer = Timer.periodic(const Duration(seconds: 5), (_) async {
+      await _checkWalletStatus();
+
+      // 如果钱包已就绪或失败，停止轮询
+      if (state.isReady || state.isFailed) {
+        stopPolling();
+      }
+    });
+  }
+
+  /// 停止轮询
+  void stopPolling() {
+    debugPrint('[WalletStatusProvider] Stopping wallet status polling');
+    _pollingTimer?.cancel();
+    _pollingTimer = null;
+    state = state.copyWith(isPolling: false);
+  }
+
+  /// 检查钱包状态
+  Future<void> _checkWalletStatus() async {
+    try {
+      debugPrint('[WalletStatusProvider] Checking wallet status...');
+
+      // 获取用户序列号
+      final userSerialNum =
+          await _secureStorage.read(key: StorageKeys.userSerialNum);
+      if (userSerialNum == null) {
+        debugPrint(
+            '[WalletStatusProvider] No userSerialNum found, stopping polling');
+        stopPolling();
+        return;
+      }
+
+      // 调用 API 获取钱包状态
+      final walletInfo = await _accountService.getWalletInfo(userSerialNum);
+
+      debugPrint(
+          '[WalletStatusProvider] Wallet status: ${walletInfo.status}');
+
+      // 更新状态
+      WalletGenerationStatus newStatus;
+      if (walletInfo.isReady) {
+        newStatus = WalletGenerationStatus.ready;
+
+        // 钱包已就绪，保存标记
+        await _secureStorage.write(
+          key: StorageKeys.isWalletReady,
+          value: 'true',
+        );
+        debugPrint('[WalletStatusProvider] Wallet is ready, marked in storage');
+      } else if (walletInfo.isGenerating) {
+        newStatus = WalletGenerationStatus.generating;
+      } else if (walletInfo.isFailed) {
+        newStatus = WalletGenerationStatus.failed;
+      } else {
+        newStatus = WalletGenerationStatus.unknown;
+      }
+
+      state = state.copyWith(
+        status: newStatus,
+        lastChecked: DateTime.now(),
+        errorMessage: null,
+      );
+    } catch (e) {
+      debugPrint('[WalletStatusProvider] Error checking wallet status: $e');
+      state = state.copyWith(
+        errorMessage: e.toString(),
+        lastChecked: DateTime.now(),
+      );
+    }
+  }
+
+  /// 手动触发重试
+  Future<void> retryWalletGeneration() async {
+    try {
+      debugPrint('[WalletStatusProvider] Manually retrying wallet generation');
+
+      // 调用重试 API
+      await _accountService.retryWalletGeneration();
+
+      // 重新开始轮询
+      state = state.copyWith(
+        status: WalletGenerationStatus.generating,
+        errorMessage: null,
+      );
+
+      if (!state.isPolling) {
+        await startPolling();
+      }
+    } catch (e) {
+      debugPrint('[WalletStatusProvider] Error retrying wallet generation: $e');
+      state = state.copyWith(errorMessage: e.toString());
+    }
+  }
+
+  @override
+  void dispose() {
+    _pollingTimer?.cancel();
+    super.dispose();
+  }
+}
+
+/// 钱包状态 Provider
+final walletStatusProvider =
+    StateNotifierProvider<WalletStatusNotifier, WalletStatusState>((ref) {
+  final accountService = ref.watch(accountServiceProvider);
+  final secureStorage = ref.watch(secureStorageProvider);
+  return WalletStatusNotifier(accountService, secureStorage);
+});
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 39780862..857641dd 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
@@ -17,6 +17,7 @@ import '../../../../core/services/notification_service.dart';
 import '../../../../routes/route_paths.dart';
 import '../../../../routes/app_router.dart';
 import '../../../auth/presentation/providers/auth_provider.dart';
+import '../../../auth/presentation/providers/wallet_status_provider.dart';
 import '../widgets/team_tree_widget.dart';
 import '../widgets/stacked_cards_widget.dart';
 import '../../../authorization/presentation/widgets/stickman_race_widget.dart';
@@ -192,6 +193,10 @@ class _ProfilePageState extends ConsumerState<ProfilePage> {
     _loadUnreadNotificationCount();
     // 启动定时刷新（可见区域的数据）
     _startAutoRefreshTimer();
+    // 检查钱包状态并启动轮询（如果需要）
+    WidgetsBinding.instance.addPostFrameCallback((_) {
+      _checkAndStartWalletPolling();
+    });
   }
 
   /// 加载应用信息
@@ -787,6 +792,17 @@ class _ProfilePageState extends ConsumerState<ProfilePage> {
     }
   }
 
+  /// 检查并启动钱包轮询
+  Future<void> _checkAndStartWalletPolling() async {
+    final authState = ref.read(authProvider);
+
+    // 如果账号已创建但钱包未就绪，启动轮询
+    if (authState.isAccountCreated && !authState.isWalletReady) {
+      debugPrint('[ProfilePage] Account created but wallet not ready, starting polling');
+      await ref.read(walletStatusProvider.notifier).startPolling();
+    }
+  }
+
   @override
   void dispose() {
     _timer?.cancel();
@@ -795,6 +811,8 @@ class _ProfilePageState extends ConsumerState<ProfilePage> {
     _referralDebounceTimer?.cancel();
     _authorizationDebounceTimer?.cancel();
     _walletDebounceTimer?.cancel();
+    // 停止钱包轮询
+    ref.read(walletStatusProvider.notifier).stopPolling();
     super.dispose();
   }
 
@@ -1382,28 +1400,7 @@ class _ProfilePageState extends ConsumerState<ProfilePage> {
                 ),
               ),
               const SizedBox(height: 3),
-              Row(
-                children: [
-                  Text(
-                    '序列号: $_serialNumber',
-                    style: const TextStyle(
-                      fontSize: 14,
-                      fontFamily: 'Inter',
-                      height: 1.5,
-                      color: Color(0xCC5D4037),
-                    ),
-                  ),
-                  const SizedBox(width: 8),
-                  GestureDetector(
-                    onTap: _copySerialNumber,
-                    child: const Icon(
-                      Icons.copy,
-                      size: 16,
-                      color: Color(0xCC5D4037),
-                    ),
-                  ),
-                ],
-              ),
+              _buildSerialNumberOrStatus(),
             ],
           ),
         ),
@@ -4023,4 +4020,132 @@ class _ProfilePageState extends ConsumerState<ProfilePage> {
       }
     }
   }
+
+  /// 构建序列号或钱包生成状态显示
+  Widget _buildSerialNumberOrStatus() {
+    final walletStatus = ref.watch(walletStatusProvider);
+    final authState = ref.watch(authProvider);
+
+    // 如果钱包已就绪或账号已创建且钱包也就绪，显示序列号
+    if (authState.isWalletReady || walletStatus.isReady) {
+      return Row(
+        children: [
+          Text(
+            '序列号: $_serialNumber',
+            style: const TextStyle(
+              fontSize: 14,
+              fontFamily: 'Inter',
+              height: 1.5,
+              color: Color(0xCC5D4037),
+            ),
+          ),
+          const SizedBox(width: 8),
+          GestureDetector(
+            onTap: _copySerialNumber,
+            child: const Icon(
+              Icons.copy,
+              size: 16,
+              color: Color(0xCC5D4037),
+            ),
+          ),
+        ],
+      );
+    }
+
+    // 如果钱包正在生成中，显示"账号创建审核中"
+    if (authState.isAccountCreated && !authState.isWalletReady) {
+      return Row(
+        children: [
+          const SizedBox(
+            width: 12,
+            height: 12,
+            child: CircularProgressIndicator(
+              strokeWidth: 2,
+              valueColor: AlwaysStoppedAnimation<Color>(Color(0xFFD4AF37)),
+            ),
+          ),
+          const SizedBox(width: 8),
+          Text(
+            '账号创建审核中',
+            style: const TextStyle(
+              fontSize: 14,
+              fontFamily: 'Inter',
+              height: 1.5,
+              color: Color(0xFFD4AF37),
+              fontStyle: FontStyle.italic,
+            ),
+          ),
+        ],
+      );
+    }
+
+    // 如果钱包生成失败，显示失败状态和重试按钮
+    if (walletStatus.isFailed) {
+      return Row(
+        children: [
+          const Icon(
+            Icons.error_outline,
+            size: 16,
+            color: Color(0xFFD32F2F),
+          ),
+          const SizedBox(width: 8),
+          Text(
+            '钱包生成失败',
+            style: const TextStyle(
+              fontSize: 14,
+              fontFamily: 'Inter',
+              height: 1.5,
+              color: Color(0xFFD32F2F),
+            ),
+          ),
+          const SizedBox(width: 8),
+          GestureDetector(
+            onTap: () async {
+              await ref.read(walletStatusProvider.notifier).retryWalletGeneration();
+            },
+            child: Container(
+              padding: const EdgeInsets.symmetric(horizontal: 8, vertical: 2),
+              decoration: BoxDecoration(
+                color: const Color(0xFFD4AF37),
+                borderRadius: BorderRadius.circular(4),
+              ),
+              child: const Text(
+                '重试',
+                style: TextStyle(
+                  fontSize: 12,
+                  fontFamily: 'Inter',
+                  color: Colors.white,
+                  fontWeight: FontWeight.w500,
+                ),
+              ),
+            ),
+          ),
+        ],
+      );
+    }
+
+    // 默认情况显示序列号
+    return Row(
+      children: [
+        Text(
+          '序列号: $_serialNumber',
+          style: const TextStyle(
+            fontSize: 14,
+            fontFamily: 'Inter',
+            height: 1.5,
+            color: Color(0xCC5D4037),
+          ),
+        ),
+        const SizedBox(width: 8),
+        GestureDetector(
+          onTap: _copySerialNumber,
+          child: const Icon(
+            Icons.copy,
+            size: 16,
+            color: Color(0xCC5D4037),
+          ),
+        ),
+      ],
+    );
+  }
 }