feat(listing): 增加赔付方案说明配置

fix(systemconfig): 保留发布选项版本避免开关重置
feat(user): 支持后台调整等级并限制极品专区可见性
2026-11-05 12:14:25 +08:00 · 2026-11-05 12:02:53 +08:00 · 2026-11-05 12:02:48 +08:00 · 2026-11-05 11:45:02 +08:00 · 2026-11-05 11:44:49 +08:00 · 2026-11-04 21:36:13 +08:00
62 changed files with 2151 additions and 194 deletions
@@ -96,6 +96,36 @@ func Auth(jwtManager *auth.JWTManager, validate UserTokenValidatorFunc) gin.Hand
 	}
 }

+// OptionalAuth 在请求携带有效用户令牌时注入用户上下文，否则按匿名访问继续。
+func OptionalAuth(jwtManager *auth.JWTManager, validate UserTokenValidatorFunc) gin.HandlerFunc {
+	return func(c *gin.Context) {
+		tokenText := extractBearerToken(c)
+		if tokenText == "" {
+			if cookieToken, err := c.Cookie(UserAccessCookieName); err == nil {
+				tokenText = strings.TrimSpace(cookieToken)
+			}
+		}
+		if tokenText == "" {
+			c.Next()
+			return
+		}
+		claims, err := jwtManager.ParseSubject(tokenText, "access", "user")
+		if err != nil {
+			c.Next()
+			return
+		}
+		if validate != nil {
+			if err := validate(c.Request.Context(), claims.UserID, claims.TokenVersion); err != nil {
+				c.Next()
+				return
+			}
+		}
+		c.Set(ContextUserID, claims.UserID)
+		c.Set(ContextPhone, claims.Phone)
+		c.Next()
+	}
+}
+
 // AuthUserOrAdmin 允许普通用户或管理员访问共享资源（如私有文件流）。
 func AuthUserOrAdmin(jwtManager *auth.JWTManager, userValidate UserTokenValidatorFunc, adminValidate AdminTokenValidatorFunc) gin.HandlerFunc {
 	return func(c *gin.Context) {
@@ -14,6 +14,7 @@ type User struct {
 	DepositFreeQuotaCent      int64      `gorm:"not null;default:0" json:"-"`
 	RenterGrowthPoints        int64      `gorm:"not null;default:0;index:idx_users_renter_growth_level,priority:2" json:"renter_growth_points"`
 	RenterGrowthLevel         string     `gorm:"size:32;not null;default:'normal';index:idx_users_renter_growth_level,priority:1" json:"renter_growth_level"`
+	RenterGrowthLevelOverride string     `gorm:"size:32;not null;default:''" json:"-"`
 	PointsAvailable           int64      `gorm:"not null;default:0" json:"points_available"`
 	Status                    string     `gorm:"size:32;not null;default:'active'" json:"status"`
 	QualityOwnerStatus        string     `gorm:"size:16;not null;default:'none';index:idx_users_quality_owner_status" json:"quality_owner_status"`
@@ -19,6 +19,8 @@ type UserDTO struct {
 	PointsAvailable               int64      `json:"points_available"`
 	RenterGrowthLevel             string     `json:"renter_growth_level"`
 	RenterGrowthLevelName         string     `json:"renter_growth_level_name"`
+	RenterGrowthLevelOverride     string     `json:"renter_growth_level_override"`
+	RenterGrowthLevelManual       bool       `json:"renter_growth_level_manual"`
 	AvailableBalanceCent          int64      `json:"available_balance_cent"`
 	FrozenBalanceCent             int64      `json:"frozen_balance_cent"`
 	QualityOwnerStatus            string     `json:"quality_owner_status"`
@@ -56,6 +58,11 @@ type GrowthPointsAdjustRequest struct {
 	Reason       string `json:"reason" binding:"required"`
 }

+type GrowthLevelAdjustRequest struct {
+	TargetLevel string `json:"target_level"`
+	Reason      string `json:"reason" binding:"required"`
+}
+
 // WalletAdjustRequest 后台人工调整用户可用余额。
 // Direction: in=加款 out=扣款；仅操作 available，不改 frozen。
 type WalletAdjustRequest struct {
@@ -144,6 +144,29 @@ func (h *Handler) AdjustGrowthPoints(c *gin.Context) {
 	response.OK(c, item)
 }

+func (h *Handler) AdjustGrowthLevel(c *gin.Context) {
+	adminID, ok := currentAdminID(c)
+	if !ok {
+		response.Unauthorized(c, "缺少管理员上下文")
+		return
+	}
+	userID, ok := parseID(c)
+	if !ok {
+		return
+	}
+	var req GrowthLevelAdjustRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		response.BadRequest(c, "成长等级调整参数不正确")
+		return
+	}
+	item, err := h.service.AdjustGrowthLevel(c.Request.Context(), adminID, userID, req, auditMeta(c))
+	if err != nil {
+		writeAdminUserError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
 func (h *Handler) RevokeRealname(c *gin.Context) {
 	adminID, ok := currentAdminID(c)
 	if !ok {
@@ -265,6 +288,12 @@ func writeAdminUserError(c *gin.Context, err error) {
 		response.BadRequest(c, "请填写 2-200 字的积分调整原因")
 	case errors.Is(err, ErrGrowthPointsUnchanged):
 		response.Error(c, http.StatusConflict, "growth_points_unchanged", "目标积分与当前积分相同")
+	case errors.Is(err, ErrInvalidGrowthLevel):
+		response.BadRequest(c, "目标成长等级不正确")
+	case errors.Is(err, ErrInvalidGrowthLevelReason):
+		response.BadRequest(c, "请填写 2-200 字的等级调整原因")
+	case errors.Is(err, ErrGrowthLevelUnchanged):
+		response.Error(c, http.StatusConflict, "growth_level_unchanged", "目标等级与当前手动等级相同")
 	case IsNotFound(err):
 		response.Error(c, http.StatusNotFound, "not_found", "用户不存在")
 	default:
@@ -100,8 +100,18 @@ func applyUserFilter(tx *gorm.DB, query ListQuery, growthConfig rentergrowth.Con
 		tx = tx.Where("u.status = ?", query.Status)
 	}
 	if query.HasDepositFreeQuota {
+		quotaLevelCodes := growthQuotaLevelCodes(growthConfig)
 		if minPoints, ok := minimumGrowthQuotaPoints(growthConfig); ok {
-			tx = tx.Where("u.deposit_free_quota_cent > 0 OR u.renter_growth_points >= ?", minPoints)
+			tx = tx.Where(
+				"u.deposit_free_quota_cent > 0 OR u.renter_growth_points >= ? OR u.renter_growth_level_override IN ?",
+				minPoints,
+				quotaLevelCodes,
+			)
+		} else if len(quotaLevelCodes) > 0 {
+			tx = tx.Where(
+				"u.deposit_free_quota_cent > 0 OR u.renter_growth_level_override IN ?",
+				quotaLevelCodes,
+			)
 		} else {
 			tx = tx.Where("u.deposit_free_quota_cent > 0")
 		}
@@ -125,6 +135,16 @@ func applyUserFilter(tx *gorm.DB, query ListQuery, growthConfig rentergrowth.Con
 	return tx
 }

+func growthQuotaLevelCodes(cfg rentergrowth.Config) []string {
+	codes := make([]string, 0, len(cfg.Levels))
+	for _, level := range cfg.Levels {
+		if level.DepositFreeQuotaCent > 0 {
+			codes = append(codes, level.Code)
+		}
+	}
+	return codes
+}
+
 func minimumGrowthQuotaPoints(cfg rentergrowth.Config) (int64, bool) {
 	if !cfg.Enabled {
 		return 0, false
@@ -198,9 +218,9 @@ func (r *Repository) AdjustGrowthPoints(ctx context.Context, adminID uint64, use
 		if afterAvailable < 0 {
 			afterAvailable = 0
 		}
-		beforeLevel := rentergrowth.LevelForPoints(cfg, beforePoints)
-		afterLevel := rentergrowth.LevelForPoints(cfg, req.TargetPoints)
-		if !cfg.Enabled {
+		beforeLevel := rentergrowth.EffectiveLevelForUser(cfg, beforePoints, user.RenterGrowthLevelOverride)
+		afterLevel := rentergrowth.LevelForUserAfterPoints(cfg, req.TargetPoints, user.RenterGrowthLevelOverride)
+		if !cfg.Enabled && user.RenterGrowthLevelOverride == "" {
 			beforeLevel = rentergrowth.LevelForPoints(cfg, 0)
 			afterLevel = beforeLevel
 		}
@@ -245,6 +265,56 @@ func (r *Repository) AdjustGrowthPoints(ctx context.Context, adminID uint64, use
 	return r.Find(ctx, userID)
 }

+func (r *Repository) AdjustGrowthLevel(ctx context.Context, adminID uint64, userID uint64, req GrowthLevelAdjustRequest, meta AuditMeta) (*UserDTO, error) {
+	err := r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
+		var user model.User
+		if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, userID).Error; err != nil {
+			return err
+		}
+		cfg, err := rentergrowth.ConfigForTx(tx)
+		if err != nil {
+			return err
+		}
+		targetLevel := strings.TrimSpace(req.TargetLevel)
+		beforeOverride := user.RenterGrowthLevelOverride
+		beforeLevel := rentergrowth.EffectiveLevelForUser(cfg, user.RenterGrowthPoints, beforeOverride)
+		if beforeOverride == "" && !cfg.Enabled {
+			beforeLevel = rentergrowth.LevelForPoints(cfg, 0)
+		}
+		afterLevel := rentergrowth.LevelForPoints(cfg, user.RenterGrowthPoints)
+		if targetLevel != "" {
+			level, ok := rentergrowth.LevelForCode(cfg, targetLevel)
+			if !ok {
+				return ErrInvalidGrowthLevel
+			}
+			afterLevel = level
+		} else if !cfg.Enabled {
+			afterLevel = rentergrowth.LevelForPoints(cfg, 0)
+		}
+		if targetLevel == beforeOverride && user.RenterGrowthLevel == afterLevel.Code {
+			return ErrGrowthLevelUnchanged
+		}
+
+		user.RenterGrowthLevelOverride = targetLevel
+		user.RenterGrowthLevel = afterLevel.Code
+		if err := tx.Save(&user).Error; err != nil {
+			return err
+		}
+		return appendAuditLog(tx, adminID, "admin_user.adjust_growth_level", user.ID, meta, map[string]any{
+			"user_id":         user.ID,
+			"before_level":    beforeLevel.Code,
+			"after_level":     afterLevel.Code,
+			"before_override": beforeOverride,
+			"after_override":  targetLevel,
+			"reason":          req.Reason,
+		})
+	})
+	if err != nil {
+		return nil, err
+	}
+	return r.Find(ctx, userID)
+}
+
 func (r *Repository) updateStatus(ctx context.Context, adminID uint64, userID uint64, status string, riskStatus string, action string, reason string, meta AuditMeta) (*UserDTO, error) {
 	statusChanged := false
 	err := r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
@@ -548,9 +618,13 @@ type userRow struct {
 }

 func (row userRow) toDTO(growthConfig rentergrowth.Config) UserDTO {
-	level := rentergrowth.LevelForPoints(growthConfig, row.RenterGrowthPoints)
+	level := rentergrowth.EffectiveLevelForUser(
+		growthConfig,
+		row.RenterGrowthPoints,
+		row.RenterGrowthLevelOverride,
+	)
 	levelQuotaCent := level.DepositFreeQuotaCent
-	if !growthConfig.Enabled {
+	if !growthConfig.Enabled && row.RenterGrowthLevelOverride == "" {
 		level = rentergrowth.LevelForPoints(growthConfig, 0)
 		levelQuotaCent = 0
 	}
@@ -576,6 +650,8 @@ func (row userRow) toDTO(growthConfig rentergrowth.Config) UserDTO {
 		PointsAvailable:               row.PointsAvailable,
 		RenterGrowthLevel:             level.Code,
 		RenterGrowthLevelName:         level.Name,
+		RenterGrowthLevelOverride:     row.RenterGrowthLevelOverride,
+		RenterGrowthLevelManual:       row.RenterGrowthLevelOverride != "",
 		AvailableBalanceCent:          row.AvailableBalanceCent,
 		FrozenBalanceCent:             row.FrozenBalanceCent,
 		QualityOwnerStatus:            row.QualityOwnerStatus,
@@ -73,9 +73,16 @@ func TestApplyUserFilterHasDepositFreeQuota(t *testing.T) {
 	if !strings.Contains(sql, "u.deposit_free_quota_cent > 0 OR u.renter_growth_points >=") {
 		t.Fatalf("SQL 未包含免押额度过滤：%s", sql)
 	}
-	if len(stmt.Vars) != 2 || stmt.Vars[0] != "active" || stmt.Vars[1] != int64(300) {
+	if len(stmt.Vars) != 5 || stmt.Vars[0] != "active" || stmt.Vars[1] != int64(300) {
 		t.Fatalf("筛选变量不正确：%v", stmt.Vars)
 	}
+	overrideCodes := stmt.Vars[2:]
+	if len(overrideCodes) != 3 ||
+		overrideCodes[0] != "platinum" ||
+		overrideCodes[1] != "diamond" ||
+		overrideCodes[2] != "peak" {
+		t.Fatalf("手动等级筛选变量不正确：%v", overrideCodes)
+	}
 }

 func TestAdjustGrowthPointsWritesRepeatableLedgers(t *testing.T) {
@@ -120,6 +127,65 @@ func TestAdjustGrowthPointsWritesRepeatableLedgers(t *testing.T) {
 	}
 }

+func TestAdjustGrowthLevelLocksLevelAndWritesAudit(t *testing.T) {
+	db := setupAdminUserTestDB(t)
+	user := model.User{
+		Phone:              "13900000006",
+		Status:             "active",
+		RenterGrowthPoints: 100,
+		RenterGrowthLevel:  rentergrowth.DefaultLevelCode,
+	}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatalf("创建用户失败：%v", err)
+	}
+	repo := NewRepository(db)
+
+	got, err := repo.AdjustGrowthLevel(t.Context(), 66, user.ID, GrowthLevelAdjustRequest{
+		TargetLevel: "platinum",
+		Reason:      "客服核验后手动调整",
+	}, AuditMeta{RequestID: "level-1"})
+	if err != nil {
+		t.Fatalf("手动调整等级失败：%v", err)
+	}
+	if got.RenterGrowthLevel != "platinum" || !got.RenterGrowthLevelManual ||
+		got.RenterGrowthLevelOverride != "platinum" {
+		t.Fatalf("手动等级结果不正确：%+v", got)
+	}
+
+	got, err = repo.AdjustGrowthPoints(t.Context(), 66, user.ID, GrowthPointsAdjustRequest{
+		TargetPoints: 1000,
+		Reason:       "补充成长积分",
+	}, AuditMeta{RequestID: "points-after-level"})
+	if err != nil {
+		t.Fatalf("调整积分失败：%v", err)
+	}
+	if got.RenterGrowthLevel != "platinum" || got.RenterGrowthLevelOverride != "platinum" {
+		t.Fatalf("积分调整不应覆盖手动等级：%+v", got)
+	}
+
+	got, err = repo.AdjustGrowthLevel(t.Context(), 66, user.ID, GrowthLevelAdjustRequest{
+		TargetLevel: "",
+		Reason:      "恢复积分自动计算",
+	}, AuditMeta{RequestID: "level-auto"})
+	if err != nil {
+		t.Fatalf("恢复自动等级失败：%v", err)
+	}
+	if got.RenterGrowthLevel != "diamond" || got.RenterGrowthLevelManual ||
+		got.RenterGrowthLevelOverride != "" {
+		t.Fatalf("恢复自动等级结果不正确：%+v", got)
+	}
+
+	var auditCount int64
+	if err := db.Model(&model.AuditLog{}).
+		Where("action = ? AND biz_id = ?", "admin_user.adjust_growth_level", user.ID).
+		Count(&auditCount).Error; err != nil {
+		t.Fatalf("查询审计日志失败：%v", err)
+	}
+	if auditCount != 2 {
+		t.Fatalf("等级调整审计日志数量 = %d, want 2", auditCount)
+	}
+}
+
 func TestManualRealnameUpdatesUserRecordAndAudit(t *testing.T) {
 	db := setupAdminUserTestDB(t)
 	user := model.User{
@@ -7,6 +7,7 @@ import (
 	"strings"

 	"hfb_sys/backend/internal/modules/realname"
+	"hfb_sys/backend/internal/modules/rentergrowth"
 )

 var (
@@ -23,6 +24,9 @@ var (
 	ErrInvalidGrowthPoints      = errors.New("invalid growth points")
 	ErrInvalidGrowthReason      = errors.New("invalid growth reason")
 	ErrGrowthPointsUnchanged    = errors.New("growth points unchanged")
+	ErrInvalidGrowthLevel       = errors.New("invalid growth level")
+	ErrInvalidGrowthLevelReason = errors.New("invalid growth level reason")
+	ErrGrowthLevelUnchanged     = errors.New("growth level unchanged")
 )

 // 单笔人工调账上限：10 万元，防止误填。
@@ -99,6 +103,27 @@ func (s *Service) AdjustGrowthPoints(ctx context.Context, adminID uint64, userID
 	return s.repo.AdjustGrowthPoints(ctx, adminID, userID, req, meta)
 }

+func (s *Service) AdjustGrowthLevel(ctx context.Context, adminID uint64, userID uint64, req GrowthLevelAdjustRequest, meta AuditMeta) (*UserDTO, error) {
+	if s.repo == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	if userID == 0 {
+		return nil, ErrInvalidUser
+	}
+	req.TargetLevel = strings.TrimSpace(req.TargetLevel)
+	if req.TargetLevel != "" {
+		if _, ok := rentergrowth.LevelForCode(rentergrowth.DefaultConfig(), req.TargetLevel); !ok {
+			return nil, ErrInvalidGrowthLevel
+		}
+	}
+	reason := strings.TrimSpace(req.Reason)
+	if reasonLen := len([]rune(reason)); reasonLen < 2 || reasonLen > 200 {
+		return nil, ErrInvalidGrowthLevelReason
+	}
+	req.Reason = reason
+	return s.repo.AdjustGrowthLevel(ctx, adminID, userID, req, meta)
+}
+
 func (s *Service) RevokeRealname(ctx context.Context, adminID uint64, userID uint64, req RevokeRealnameRequest, meta AuditMeta) (*UserDTO, error) {
 	if s.repo == nil {
 		return nil, ErrDependencyUnavailable
@@ -168,6 +168,8 @@ type PublicListQuery struct {
 	MaxSecretKD          *float64
 	ResourceRanges       map[string]NumberRange
 	DistributionSiteCode string
+	ViewerUserID         uint64
+	CanViewPremium       bool
 }

 type NumberRange struct {
@@ -4,6 +4,7 @@ import (
 	"net/http"
 	"strconv"

+	"hfb_sys/backend/internal/middleware"
 	filemodule "hfb_sys/backend/internal/modules/file"
 	"hfb_sys/backend/internal/sitecode"
 	"hfb_sys/backend/pkg/response"
@@ -12,7 +13,9 @@ import (
 )

 func (h *Handler) ListPublic(c *gin.Context) {
-	items, err := h.service.ListPublic(c.Request.Context(), parsePublicListQuery(c))
+	query := parsePublicListQuery(c)
+	query.ViewerUserID = optionalCurrentUserID(c)
+	items, err := h.service.ListPublic(c.Request.Context(), query)
 	if err != nil {
 		writeListingError(c, err)
 		return
@@ -26,7 +29,7 @@ func (h *Handler) FindPublic(c *gin.Context) {
 		return
 	}
 	siteCode := sitecode.FromRequest(c)
-	item, err := h.service.FindPublic(c.Request.Context(), id, siteCode)
+	item, err := h.service.FindPublic(c.Request.Context(), id, siteCode, optionalCurrentUserID(c))
 	if err != nil {
 		writeListingError(c, err)
 		return
@@ -34,6 +37,15 @@ func (h *Handler) FindPublic(c *gin.Context) {
 	response.OK(c, item)
 }

+func optionalCurrentUserID(c *gin.Context) uint64 {
+	value, ok := c.Get(middleware.ContextUserID)
+	if !ok {
+		return 0
+	}
+	userID, _ := value.(uint64)
+	return userID
+}
+
 func (h *Handler) Cover(c *gin.Context) {
 	id, ok := parseID(c)
 	if !ok {
@@ -0,0 +1,82 @@
+package listing
+
+import (
+	"context"
+	"errors"
+	"testing"
+
+	"hfb_sys/backend/internal/database"
+	"hfb_sys/backend/internal/model"
+
+	"gorm.io/gorm"
+)
+
+func TestPremiumListingOnlyVisibleToPlatinumUsers(t *testing.T) {
+	db := database.NewTestDB()
+	if err := database.MigrateListingLifecycleTestSchema(db); err != nil {
+		t.Fatalf("migrate listing schema: %v", err)
+	}
+	if err := database.AutoMigrateIfMissing(db, &model.User{}, &model.SystemConfig{}); err != nil {
+		t.Fatalf("migrate user schema: %v", err)
+	}
+	users := []model.User{
+		{Phone: "13900001101", RenterGrowthLevel: "normal"},
+		{
+			Phone:                     "13900001102",
+			RenterGrowthLevel:         "platinum",
+			RenterGrowthLevelOverride: "platinum",
+		},
+	}
+	if err := db.Create(&users).Error; err != nil {
+		t.Fatalf("create users: %v", err)
+	}
+	account := model.GameAccount{Title: "极品账号", GameName: "delta", Status: "active", HafCoinAmount: 100_000_000}
+	if err := db.Create(&account).Error; err != nil {
+		t.Fatalf("create account: %v", err)
+	}
+	item := model.RentalListing{
+		ListingNo:     "L-PREMIUM-1",
+		AccountID:     account.ID,
+		Status:        "published",
+		ReviewStatus:  "approved",
+		PriceCent:     20_000,
+		IsPremium:     true,
+		PublishedAt:   nil,
+		InTransaction: false,
+	}
+	if err := db.Create(&item).Error; err != nil {
+		t.Fatalf("create listing: %v", err)
+	}
+	repo := NewRepository(db, nil)
+
+	anonymous, err := repo.ListPublic(context.Background(), PublicListQuery{})
+	if err != nil {
+		t.Fatalf("anonymous ListPublic: %v", err)
+	}
+	if len(anonymous.Items) != 0 || anonymous.Total != 0 || anonymous.ZoneCounts["premium"] != 0 {
+		t.Fatalf("anonymous should not see premium listing: %+v", anonymous)
+	}
+
+	regular, err := repo.ListPublic(context.Background(), PublicListQuery{ViewerUserID: users[0].ID})
+	if err != nil {
+		t.Fatalf("regular ListPublic: %v", err)
+	}
+	if len(regular.Items) != 0 || regular.Total != 0 {
+		t.Fatalf("regular user should not see premium listing: %+v", regular)
+	}
+
+	platinum, err := repo.ListPublic(context.Background(), PublicListQuery{ViewerUserID: users[1].ID})
+	if err != nil {
+		t.Fatalf("platinum ListPublic: %v", err)
+	}
+	if len(platinum.Items) != 1 || platinum.Total != 1 || platinum.ZoneCounts["premium"] != 1 {
+		t.Fatalf("platinum user should see premium listing: %+v", platinum)
+	}
+
+	if _, err := repo.FindPublic(context.Background(), item.ID, "", users[0].ID); !errors.Is(err, gorm.ErrRecordNotFound) {
+		t.Fatalf("regular detail error = %v, want record not found", err)
+	}
+	if _, err := repo.FindPublic(context.Background(), item.ID, "", users[1].ID); err != nil {
+		t.Fatalf("platinum should see premium detail: %v", err)
+	}
+}
@@ -19,6 +19,9 @@ func filterPublicListings(items []ListingDTO, query PublicListQuery) []ListingDT
 }

 func matchesPublicQuery(item ListingDTO, query PublicListQuery) bool {
+	if item.IsPremium && !query.CanViewPremium {
+		return false
+	}
 	if !matchesPublicZone(item, query.Zone) {
 		return false
 	}
@@ -1,6 +1,11 @@
 package listing

-import "testing"
+import (
+	"testing"
+
+	"hfb_sys/backend/internal/database"
+	"hfb_sys/backend/internal/model"
+)

 func TestFilterPublicListingsByRatio(t *testing.T) {
 	minRatio := 20.0
@@ -32,6 +37,37 @@ func TestMatchesPublicZonePremium(t *testing.T) {
 	}
 }

+func TestPremiumListingRequiresPremiumLevelVisibility(t *testing.T) {
+	premium := ListingDTO{ID: 1, IsPremium: true}
+	if matchesPublicQuery(premium, PublicListQuery{}) {
+		t.Fatal("未授权用户不应匹配极品专区账号")
+	}
+	if !matchesPublicQuery(premium, PublicListQuery{CanViewPremium: true}) {
+		t.Fatal("铂金及以上用户应匹配极品专区账号")
+	}
+}
+
+func TestCanViewPremiumUsesEffectiveUserLevel(t *testing.T) {
+	db := database.NewTestDB()
+	if err := database.AutoMigrateIfMissing(db, &model.User{}, &model.SystemConfig{}); err != nil {
+		t.Fatalf("migrate failed: %v", err)
+	}
+	users := []model.User{
+		{Phone: "13900001001", RenterGrowthLevel: "normal"},
+		{Phone: "13900001002", RenterGrowthLevel: "platinum", RenterGrowthLevelOverride: "platinum"},
+	}
+	if err := db.Create(&users).Error; err != nil {
+		t.Fatalf("create users failed: %v", err)
+	}
+	repo := NewRepository(db, nil)
+	if allowed, err := repo.canViewPremium(t.Context(), users[0].ID); err != nil || allowed {
+		t.Fatalf("普通用户可见性 = %v, err = %v, want false", allowed, err)
+	}
+	if allowed, err := repo.canViewPremium(t.Context(), users[1].ID); err != nil || !allowed {
+		t.Fatalf("铂金用户可见性 = %v, err = %v, want true", allowed, err)
+	}
+}
+
 func TestFilterPublicListingsRegionMultiSelectRequiresAll(t *testing.T) {
 	items := []ListingDTO{
 		{
@@ -6,11 +6,19 @@ import (
 	"strings"
 	"time"

+	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/rentergrowth"
+
 	"gorm.io/datatypes"
 	"gorm.io/gorm"
 )

 func (r *Repository) ListPublic(ctx context.Context, query PublicListQuery) (*PublicListResult, error) {
+	canViewPremium, err := r.canViewPremium(ctx, query.ViewerUserID)
+	if err != nil {
+		return nil, err
+	}
+	query.CanViewPremium = canViewPremium
 	page, pageSize := normalizedPublicPage(query)
 	if canListPublicWithSQL(query) {
 		return r.listPublicPage(ctx, query, page, pageSize)
@@ -25,7 +33,8 @@ func (r *Repository) ListPublic(ctx context.Context, query PublicListQuery) (*Pu
 	}

 	var rows []listingRow
-	err := db.Order("l.published_at DESC, l.id DESC").
+	db = applyPremiumVisibility(db, query)
+	err = db.Order("l.published_at DESC, l.id DESC").
 		Scan(&rows).Error
 	if err != nil {
 		return nil, err
@@ -67,7 +76,7 @@ func (r *Repository) ListPublic(ctx context.Context, query PublicListQuery) (*Pu

 func (r *Repository) listPublicPage(ctx context.Context, query PublicListQuery, page int, pageSize int) (*PublicListResult, error) {
 	var total int64
-	if err := r.db.WithContext(ctx).Table("rental_listings AS l").
+	if err := applyPremiumVisibility(r.db.WithContext(ctx).Table("rental_listings AS l"), query).
 		Where("l.status = ? AND l.review_status = ? AND l.in_transaction = ?", "published", "approved", false).
 		Count(&total).Error; err != nil {
 		return nil, err
@@ -75,7 +84,7 @@ func (r *Repository) listPublicPage(ctx context.Context, query PublicListQuery,

 	var rows []listingRow
 	offset := (page - 1) * pageSize
-	err := applyPublicSQLSort(r.baseQuery(ctx), query.Sort).
+	err := applyPublicSQLSort(applyPremiumVisibility(r.baseQuery(ctx), query), query.Sort).
 		Where("l.status = ? AND l.review_status = ? AND l.in_transaction = ?", "published", "approved", false).
 		Limit(pageSize).
 		Offset(offset).
@@ -83,10 +92,14 @@ func (r *Repository) listPublicPage(ctx context.Context, query PublicListQuery,
 	if err != nil {
 		return nil, err
 	}
-	zoneCounts, err := r.publicZoneCountsCached(ctx)
+	zoneCounts, nonPremiumTotal, err := r.publicZoneCountsCached(ctx)
 	if err != nil {
 		return nil, err
 	}
+	if !query.CanViewPremium {
+		zoneCounts["all"] = nonPremiumTotal
+		zoneCounts["premium"] = 0
+	}
 	return &PublicListResult{
 		Items:      publicListings(rowsToDTO(rows)),
 		Total:      total,
@@ -96,6 +109,13 @@ func (r *Repository) listPublicPage(ctx context.Context, query PublicListQuery,
 	}, nil
 }

+func applyPremiumVisibility(tx *gorm.DB, query PublicListQuery) *gorm.DB {
+	if query.CanViewPremium {
+		return tx
+	}
+	return tx.Where("l.is_premium = ?", false)
+}
+
 func normalizedPublicPage(query PublicListQuery) (int, int) {
 	page := query.Page
 	if page <= 0 {
@@ -175,12 +195,12 @@ func publicShuffleSeed() int64 {
 	return int64(now.Year()*366 + now.YearDay())
 }

-func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int64, error) {
+func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int64, int64, error) {
 	now := time.Now()
 	r.publicZoneCountsMu.Lock()
 	defer r.publicZoneCountsMu.Unlock()
 	if r.publicZoneCounts.Counts != nil && now.Before(r.publicZoneCounts.ExpiresAt) {
-		return copyPublicZoneCounts(r.publicZoneCounts.Counts), nil
+		return copyPublicZoneCounts(r.publicZoneCounts.Counts), r.publicZoneCounts.NonPremiumTotal, nil
 	}

 	var rows []publicZoneRow
@@ -190,7 +210,7 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 		Where("l.status = ? AND l.review_status = ? AND l.in_transaction = ?", "published", "approved", false).
 		Scan(&rows).Error
 	if err != nil {
-		return nil, err
+		return nil, 0, err
 	}
 	counts := map[string]int64{
 		"all":      int64(len(rows)),
@@ -201,6 +221,7 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 		"highCoin": 0,
 		"premium":  0,
 	}
+	var nonPremiumTotal int64
 	for _, row := range rows {
 		summary := decodeAssetSummary(row.AssetSummary)
 		if isAcceleratedSale(summary) {
@@ -220,13 +241,16 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 		}
 		if row.IsPremium {
 			counts["premium"]++
+		} else {
+			nonPremiumTotal++
 		}
 	}
 	r.publicZoneCounts = publicZoneCountCache{
 		Counts:          counts,
+		NonPremiumTotal: nonPremiumTotal,
 		ExpiresAt:       now.Add(publicZoneCountCacheTTL),
 	}
-	return copyPublicZoneCounts(counts), nil
+	return copyPublicZoneCounts(counts), nonPremiumTotal, nil
 }

 func copyPublicZoneCounts(counts map[string]int64) map[string]int64 {
@@ -237,11 +261,20 @@ func copyPublicZoneCounts(counts map[string]int64) map[string]int64 {
 	return copied
 }

-func (r *Repository) FindPublic(ctx context.Context, id uint64, siteCode string) (*ListingDTO, error) {
+func (r *Repository) FindPublic(ctx context.Context, id uint64, siteCode string, viewerUserID uint64) (*ListingDTO, error) {
 	dto, err := r.findDTO(ctx, "l.id = ? AND l.status = ? AND l.review_status = ? AND l.in_transaction = ?", id, "published", "approved", false)
 	if err != nil {
 		return nil, err
 	}
+	if dto.IsPremium {
+		canView, err := r.canViewPremium(ctx, viewerUserID)
+		if err != nil {
+			return nil, err
+		}
+		if !canView {
+			return nil, gorm.ErrRecordNotFound
+		}
+	}
 	applyPublicListingURLs(dto)
 	items := []ListingDTO{*dto}
 	if err := r.applyShelfMarkup(ctx, siteCode, items); err != nil {
@@ -251,6 +284,30 @@ func (r *Repository) FindPublic(ctx context.Context, id uint64, siteCode string)
 	return dto, nil
 }

+func (r *Repository) canViewPremium(ctx context.Context, userID uint64) (bool, error) {
+	if userID == 0 {
+		return false, nil
+	}
+	var user model.User
+	if err := r.db.WithContext(ctx).
+		Select("id, renter_growth_points, renter_growth_level_override").
+		First(&user, userID).Error; err != nil {
+		if err == gorm.ErrRecordNotFound {
+			return false, nil
+		}
+		return false, err
+	}
+	cfg, err := rentergrowth.ConfigForTx(r.db.WithContext(ctx))
+	if err != nil {
+		return false, err
+	}
+	level := rentergrowth.EffectiveLevelForUser(cfg, user.RenterGrowthPoints, user.RenterGrowthLevelOverride)
+	if !cfg.Enabled && user.RenterGrowthLevelOverride == "" {
+		level = rentergrowth.LevelForPoints(cfg, 0)
+	}
+	return rentergrowth.CanViewPremiumLevel(level.Code), nil
+}
+
 func (r *Repository) applyShelfMarkup(ctx context.Context, siteCode string, items []ListingDTO) error {
 	if siteCode == "" || len(items) == 0 {
 		return nil
@@ -74,6 +74,7 @@ func (r *Repository) IsQualityOwner(ctx context.Context, userID uint64) (bool, e

 type publicZoneCountCache struct {
 	Counts          map[string]int64
+	NonPremiumTotal int64
 	ExpiresAt       time.Time
 }

@@ -18,11 +18,11 @@ func (s *Service) ListMine(ctx context.Context, ownerID uint64, siteCode ...stri
 	return s.repo.ListMine(ctx, ownerID, siteCode...)
 }

-func (s *Service) FindPublic(ctx context.Context, id uint64, siteCode string) (*ListingDTO, error) {
+func (s *Service) FindPublic(ctx context.Context, id uint64, siteCode string, viewerUserID uint64) (*ListingDTO, error) {
 	if s.repo == nil {
 		return nil, ErrDependencyUnavailable
 	}
-	return s.repo.FindPublic(ctx, id, siteCode)
+	return s.repo.FindPublic(ctx, id, siteCode, viewerUserID)
 }

 func (s *Service) FindPublicCoverKey(ctx context.Context, id uint64) (string, error) {
@@ -719,14 +719,14 @@ func TestListPublicWithDistributionSiteCode(t *testing.T) {
 		t.Fatalf("expected public price 12500 with ratio delta, got %d", res.Items[0].PriceCent)
 	}

-	detail, err := repo.FindPublic(context.Background(), l1.ID, "site_alpha")
+	detail, err := repo.FindPublic(context.Background(), l1.ID, "site_alpha", 0)
 	if err != nil {
 		t.Fatalf("FindPublic err: %v", err)
 	}
 	if detail.PriceCent != 12500 {
 		t.Fatalf("expected detail price 12500 with ratio delta, got %d", detail.PriceCent)
 	}
-	mainDetail, err := repo.FindPublic(context.Background(), l1.ID, "")
+	mainDetail, err := repo.FindPublic(context.Background(), l1.ID, "", 0)
 	if err != nil {
 		t.Fatalf("FindPublic main err: %v", err)
 	}
@@ -22,6 +22,8 @@ func writeOrderError(c *gin.Context, err error) {
 		response.Error(c, http.StatusConflict, "listing_unavailable", "该账号暂不可租")
 	case errors.Is(err, ErrCannotRentOwnListing):
 		response.BadRequest(c, "不能租用自己发布的账号")
+	case errors.Is(err, ErrPremiumLevelRequired):
+		response.Error(c, http.StatusForbidden, "platinum_level_required", "成长等级达到铂金及以上才能租用极品专区账号")
 	case errors.Is(err, ErrInsufficientBalance):
 		response.Error(c, http.StatusConflict, "insufficient_balance", "钱包余额不足，请先充值")
 	case errors.Is(err, ErrChannelPaymentRequired):
@@ -103,6 +103,9 @@ func (r *Repository) Create(ctx context.Context, renterID uint64, req CreateRequ
 				DiscountBps: rentergrowth.DefaultDiscountBps,
 			}
 		}
+		if listing.IsPremium && !rentergrowth.CanViewPremiumLevel(growthSnapshot.LevelCode) {
+			return ErrPremiumLevelRequired
+		}
 		rentDiscountAmountCent := rentergrowth.CalculateDiscountCent(pricing.PureCoinAmountCent, pricing.PureCoinPlatformFeeCent, growthSnapshot.DiscountBps)
 		if rentDiscountAmountCent > 0 {
 			pricing.PlatformFeeCent -= rentDiscountAmountCent
@@ -10,6 +10,7 @@ var (
 	ErrInvalidRentHours            = errors.New("invalid rent hours")
 	ErrListingUnavailable          = errors.New("listing unavailable")
 	ErrCannotRentOwnListing        = errors.New("cannot rent own listing")
+	ErrPremiumLevelRequired        = errors.New("platinum level required for premium listing")
 	ErrInsufficientBalance         = errors.New("insufficient balance")
 	ErrOrderCannotPay              = errors.New("order cannot pay")
 	ErrChannelPaymentRequired      = errors.New("channel payment required")
@@ -34,7 +34,11 @@ func (r *Repository) Summary(ctx context.Context, userID uint64) (*SummaryDTO, e
 	if err != nil {
 		return nil, err
 	}
-	level := rentergrowth.LevelForPoints(cfg, user.RenterGrowthPoints)
+	level := rentergrowth.EffectiveLevelForUser(
+		cfg,
+		user.RenterGrowthPoints,
+		user.RenterGrowthLevelOverride,
+	)
 	levels := make([]GrowthLevelDTO, 0, len(cfg.Levels))
 	for _, item := range cfg.Levels {
 		levels = append(levels, GrowthLevelDTO{
@@ -3,6 +3,7 @@ package qualityowner
 import (
 	"encoding/json"
 	"errors"
+	"strings"
 	"time"
 )

@@ -15,6 +16,9 @@ const (
 	defaultDepositCent          = int64(20_000)
 	defaultInsuranceBps         = 800
 	defaultPremiumRateBps       = 400
+	defaultAgreementReadSeconds = 15
+	defaultAgreementTitle       = "优质号主服务协议"
+	MaxAgreementReadSeconds     = 300
 )

 var ErrInvalidRules = errors.New("invalid quality owner rules")
@@ -23,6 +27,9 @@ type Rules struct {
 	DepositAmountCent      int64  `json:"deposit_amount_cent"`
 	InsuranceFeeBps        int    `json:"insurance_fee_bps"`
 	PremiumInsuranceFeeBps int    `json:"premium_insurance_fee_bps"`
+	AgreementTitle         string `json:"agreement_title"`
+	AgreementContent       string `json:"agreement_content"`
+	AgreementReadSeconds   int    `json:"agreement_read_seconds"`
 }

 func DefaultRules() Rules {
@@ -30,6 +37,156 @@ func DefaultRules() Rules {
 		DepositAmountCent:      defaultDepositCent,
 		InsuranceFeeBps:        defaultInsuranceBps,
 		PremiumInsuranceFeeBps: defaultPremiumRateBps,
+		AgreementTitle:         defaultAgreementTitle,
+		AgreementReadSeconds:   defaultAgreementReadSeconds,
+		AgreementContent: `本协议由大锤商行平台（以下简称“平台”）与申请成为“优质号主”的用户（以下简称“号主”）共同签署，自号主勾选同意并完成信用保证金冻结之日起生效。
+
+一、总则
+
+1.1 为保障平台账号租赁交易的秩序与安全，平台推出「优质号主」认证计划，旨在筛选信誉良好、服务高效的号主，为其提供专属权益与曝光资源，包括将账号发布至「极品专区」并享有专项收益比例等。
+
+1.2 号主自愿申请成为优质号主，并承诺遵守本协议全部条款。
+
+二、定义
+
+| 术语 | 定义 |
+|---|---|
+| 优质号主 | 通过平台认证、完成200元信用保证金冻结并遵守本协议的高信誉号主 |
+| 《极品专区》 | 优质号主可选择发布的专属渠道，仅限大锤商行至尊SVIP用户租用；优质号主在该渠道发布账号可享有专项收益比例及专属标识 |
+| 《大锤商行》 | 优质号主可选择发布的公开渠道，面向全平台注册用户租用 |
+| 信用保证金（押金） | 号主为获得优质号主发布资格而授权平台冻结的200元信用保证金，仅冻结、不扣除 |
+| 大锤商行至尊SVIP | 平台最高等级VIP用户，须同时满足租客免押资格方可租用《极品专区》渠道账号 |
+
+三、成为优质号主的条件
+
+3.1 信用保证金标准
+
+本计划仅设一个信用保证金档位，所有申请者统一适用：
+
+| 申请类型 | 信用保证金 | 备注 |
+|---|---:|---|
+| 所有申请者 | 200元 | 仅冻结，不扣除；不设其他金额档位或免押档位 |
+
+3.2 强制前置条件
+
+所有申请者须强制阅读《账号出租号主须知》满15秒，方可继续申请流程。
+
+3.3 信用保证金特别约定
+
+3.3.1 保证金性质：200元为信用保证金，仅用于信用展示及发布资格核验，不属于租赁费用、平台服务收入、违约金或处罚金。平台不扣除、不没收该保证金。
+
+3.3.2 冻结方式：号主申请成为优质号主时，授权平台冻结200元信用保证金。冻结期间，该保证金不参与扣罚。
+
+3.3.3 解冻条件：号主在无正在进行中的订单且无未解决的纠纷时，可随时向平台申请解冻全部信用保证金。平台审核通过后，按原支付路径或平台规则允许的方式解冻退还。
+
+3.3.4 校验机制：每次发布账号时，系统自动核验信用保证金是否足额冻结：
+
+- 已足额冻结 → 可正常发布；
+- 未冻结或冻结不足 → 不可发布，系统弹窗提示“请先冻结200元信用保证金”。
+
+3.3.5 违规处理与保证金：号主单方面违规的，平台有权依据本协议及平台规则采取警告、下架账号、限制发布、取消优质号主资格等措施，但信用保证金不扣除。如存在未完成订单或未解决纠纷，信用保证金可继续冻结至相关事项处理完毕。
+
+四、优质号主的权利
+
+成功成为优质号主后，享有以下权益：
+
+| 序号 | 权益内容 | 具体说明 |
+|---|---|---|
+| 4.1 | 专项收益比例 | 优质号主将账号发布至「极品专区」的，享有专项收益比例：号主到手金额比例较普通渠道上浮1个百分点（即平台服务费比例相应下调1个百分点，具体以发布页面公示为准）；该权益可与VIP权益及优惠券叠加使用 |
+| 4.2 | 发布渠道选择 | 发布时可自由选择投放至「极品专区」或「大锤商行」（详见第五条） |
+| 4.3 | 特殊曝光标识 | 优质号主发布的账号显示“优质号主”专属标识；发布至「极品专区」的账号同时展示“极品专区”专属标签 |
+| 4.4 | 包赔手续费减半 | 购买全额包赔服务，手续费由8%降至4% |
+| 4.5 | 平台兜底保障 | 非因号主明显过错导致的问题（如租客恶意损坏账号等），由平台按规则负责兜底赔偿 |
+
+五、发布渠道规则
+
+优质号主在每次发布账号时，必须从以下两个渠道中二选一：
+
+5.1 渠道对比
+
+| 对比项 | 《极品专区》 | 《大锤商行》 |
+|---|---|---|
+| 租用资格 | 仅限大锤商行至尊SVIP，且须具备租客免押资格 | 全平台注册用户 |
+| 租客筛选标准 | 累计消费≥1万元 + 无纠纷记录 + 无封禁记录 | 无特殊限制 |
+| 适用场景 | 高客单价、极致安全、专项收益比例 | 高曝光、快速出单 |
+
+5.2 关于《极品专区》渠道
+
+5.2.1 选择该渠道的账号，将展示“极品专区”专属标签。
+
+5.2.2 非大锤商行至尊SVIP用户，或虽为大锤商行至尊SVIP但无租客免押资格的，不可查看及租用该渠道账号。
+
+5.2.3 该渠道租客均为平台严选的优质租客，号主可享受“基本绝对安全”的出租体验。
+
+5.2.4 优质号主在该渠道发布账号，可按本协议第4.1款享有专项收益比例。
+
+5.3 关于《大锤商行》渠道
+
+5.3.1 选择该渠道的账号，面向全体平台注册用户开放租用。
+
+5.3.2 号主仍享有平台兜底保障权益（详见第4.5款）。
+
+六、号主的义务与违规处理
+
+6.1 号主的基本义务
+
+优质号主在交易中应当：
+
+6.1.1 按照约定时间交付账号，不得无故毁约、爽约；
+
+6.1.2 在租客使用过程中，及时配合上号验证；
+
+6.1.3 在需要时，积极配合完成人脸识别解除等操作；
+
+6.1.4 不得在出租期间擅自顶号、修改密码或通过其他方式收回账号；
+
+6.1.5 与租客保持友善沟通，不得出现辱骂、威胁等不文明行为。
+
+6.2 违规行为与处罚
+
+平台对违规行为采取警告、下架、限制发布、取消资格等措施；信用保证金不扣除。
+
+| 违规行为 | 处理措施 |
+|---|---|
+| 顶号 | 警告、立即下架、限制发布；情节严重者取消优质号主资格 |
+| 毁约不出租 | 警告、下架、限制发布；情节严重者取消优质号主资格 |
+| 无法及时配合上号 | 警告、限制发布；多次违规者取消资格 |
+| 无法配合解除人脸 | 警告、下架、限制发布；情节严重者取消资格 |
+| 其他违反平台规则的行为 | 依据平台规则处理 |
+
+上述处理均不扣除信用保证金；如存在未完成订单或未解决纠纷，信用保证金可继续冻结至相关事项处理完毕。
+
+七、收益与结算
+
+7.1 号主通过本平台获得的租赁收入，平台将按对应渠道的结算规则进行结算。
+
+7.2 优质号主将账号发布至「极品专区」的，按本协议第4.1款享有专项收益比例；该权益可与VIP权益及优惠券叠加使用。
+
+7.3 平台将在租客确认收货后将收益划转至号主账户余额，号主可随时申请提现。
+
+八、免责条款
+
+8.1 因不可抗力（包括但不限于自然灾害、战争、罢工、政府行为、网络故障、系统维护等）导致协议无法履行的，双方互不承担责任。
+
+8.2 平台有权根据法律法规变化或业务运营需要，对本协议进行修订，修订后的协议将在平台公示。如号主继续使用优质号主服务，视为接受修订内容。
+
+九、协议终止
+
+9.1 号主可随时申请退出优质号主计划。满足信用保证金解冻条件的，200元信用保证金予以解冻退还，优质号主资格即时取消。
+
+9.2 号主严重违反本协议或平台规则的，平台有权单方面取消其优质号主资格。信用保证金不扣除；如存在未完成订单或未解决纠纷，可继续冻结至相关事项处理完毕。
+
+9.3 优质号主资格取消后，对应的权益（特殊曝光、包赔手续费减半、发布渠道选择、极品专区专项收益比例等）同步终止。
+
+十、附则
+
+10.1 本协议的解释权归大锤商行平台所有。
+
+10.2 本协议自号主勾选同意并完成200元信用保证金冻结之日起生效。
+
+10.3 如本协议与平台其他规则存在冲突，以本协议为准。
+
+本人已详细阅读并充分理解本协议全部内容，同意遵守上述条款。`,
 	}
 }

@@ -55,6 +212,15 @@ func ParseConfigValue(value string) (Rules, error) {
 	if rules.PremiumInsuranceFeeBps < 0 || rules.PremiumInsuranceFeeBps > rules.InsuranceFeeBps {
 		return Rules{}, ErrInvalidRules
 	}
+	rules.AgreementTitle = strings.TrimSpace(rules.AgreementTitle)
+	rules.AgreementContent = strings.TrimSpace(rules.AgreementContent)
+	if rules.AgreementTitle == "" || rules.AgreementContent == "" {
+		return Rules{}, ErrInvalidRules
+	}
+	if rules.AgreementReadSeconds < defaultAgreementReadSeconds ||
+		rules.AgreementReadSeconds > MaxAgreementReadSeconds {
+		return Rules{}, ErrInvalidRules
+	}
 	return rules, nil
 }

@@ -79,6 +245,9 @@ type StatusDTO struct {
 	RequiredDepositCent    int64      `json:"required_deposit_cent"`
 	InsuranceFeeBps        int        `json:"insurance_fee_bps"`
 	PremiumInsuranceFeeBps int        `json:"premium_insurance_fee_bps"`
+	AgreementTitle         string     `json:"agreement_title"`
+	AgreementContent       string     `json:"agreement_content"`
+	AgreementReadSeconds   int        `json:"agreement_read_seconds"`
 }

 type AdminSetRequest struct {
@@ -10,6 +10,11 @@ func TestParseConfigValueDefaultsAndValidation(t *testing.T) {
 	if rules.DepositAmountCent != defaultDepositCent || rules.InsuranceFeeBps != 800 || rules.PremiumInsuranceFeeBps != 400 {
 		t.Fatalf("unexpected rules: %+v", rules)
 	}
+	if rules.AgreementTitle != defaultAgreementTitle ||
+		rules.AgreementReadSeconds != defaultAgreementReadSeconds ||
+		rules.AgreementContent == "" {
+		t.Fatalf("unexpected agreement defaults: %+v", rules)
+	}

 	if _, err := ParseConfigValue(`{"deposit_amount_cent":20000,"insurance_fee_bps":400,"premium_insurance_fee_bps":800}`); err == nil {
 		t.Fatal("expected premium rate above normal rate to be rejected")
@@ -17,6 +22,9 @@ func TestParseConfigValueDefaultsAndValidation(t *testing.T) {
 	if _, err := ParseConfigValue(`{"deposit_amount_cent":0}`); err == nil {
 		t.Fatal("expected zero deposit to be rejected")
 	}
+	if _, err := ParseConfigValue(`{"agreement_read_seconds":14}`); err == nil {
+		t.Fatal("expected agreement reading time below 15 seconds to be rejected")
+	}
 }

 func TestDefaultConfigValueCanBeParsed(t *testing.T) {
@@ -27,4 +35,7 @@ func TestDefaultConfigValueCanBeParsed(t *testing.T) {
 	if rules.DepositAmountCent != 20000 || rules.InsuranceFeeBps != 800 || rules.PremiumInsuranceFeeBps != 400 {
 		t.Fatalf("unexpected default rules: %+v", rules)
 	}
+	if rules.AgreementReadSeconds != 15 || rules.AgreementTitle == "" || rules.AgreementContent == "" {
+		t.Fatalf("unexpected default agreement: %+v", rules)
+	}
 }
@@ -468,5 +468,8 @@ func toStatusDTO(user model.User, account model.WalletAccount, rules Rules, acti
 		RequiredDepositCent:    rules.DepositAmountCent,
 		InsuranceFeeBps:        rules.InsuranceFeeBps,
 		PremiumInsuranceFeeBps: rules.PremiumInsuranceFeeBps,
+		AgreementTitle:         rules.AgreementTitle,
+		AgreementContent:       rules.AgreementContent,
+		AgreementReadSeconds:   rules.AgreementReadSeconds,
 	}
 }
@@ -221,10 +221,10 @@ func SnapshotForUser(tx *gorm.DB, userID uint64) (DiscountSnapshot, error) {
 	snapshot.UserPoints = user.RenterGrowthPoints
 	snapshot.ManualDepositFreeQuotaCent = manualQuotaCent
 	snapshot.EffectiveDepositFreeQuotaCent = manualQuotaCent
-	if !cfg.Enabled {
+	if !cfg.Enabled && strings.TrimSpace(user.RenterGrowthLevelOverride) == "" {
 		return snapshot, nil
 	}
-	level := LevelForPoints(cfg, user.RenterGrowthPoints)
+	level := EffectiveLevelForUser(cfg, user.RenterGrowthPoints, user.RenterGrowthLevelOverride)
 	return DiscountSnapshot{
 		LevelCode:                     level.Code,
 		LevelName:                     level.Name,
@@ -288,7 +288,7 @@ func awardOrderSide(tx *gorm.DB, order *model.RentalOrder, cfg Config, role stri
 		setOrderPointsSnapshot(order, role, existing.BasisAmountCent, existing.PointsPerYuan, existing.PointsMultiplierBps, existing.Points, existing.CreatedAt)
 		return nil
 	}
-	if err != nil && !errors.Is(err, gorm.ErrRecordNotFound) {
+	if !errors.Is(err, gorm.ErrRecordNotFound) {
 		return err
 	}
 	if role == "renter" {
@@ -307,7 +307,7 @@ func awardOrderSide(tx *gorm.DB, order *model.RentalOrder, cfg Config, role stri
 	}
 	beforePoints := user.RenterGrowthPoints
 	beforeAvailable := user.PointsAvailable
-	beforeLevel := LevelForPoints(cfg, beforePoints)
+	beforeLevel := EffectiveLevelForUser(cfg, beforePoints, user.RenterGrowthLevelOverride)
 	multiplierBps := beforeLevel.PointsMultiplierBps
 	points := PointsForAmount(basisCent, cfg.PointsPerYuan, multiplierBps)
 	if points <= 0 {
@@ -319,7 +319,7 @@ func awardOrderSide(tx *gorm.DB, order *model.RentalOrder, cfg Config, role stri
 		return nil
 	}
 	afterPoints := beforePoints + points
-	afterLevel := LevelForPoints(cfg, afterPoints)
+	afterLevel := LevelForUserAfterPoints(cfg, afterPoints, user.RenterGrowthLevelOverride)
 	user.RenterGrowthPoints = afterPoints
 	user.RenterGrowthLevel = afterLevel.Code
 	user.PointsAvailable = beforeAvailable + points
@@ -446,10 +446,10 @@ func revokeOrderSide(tx *gorm.DB, order *model.RentalOrder, cfg Config, role str
 	beforeAvailable := maxInt64(user.PointsAvailable, 0)
 	revokedPoints := minInt64(points, beforePoints)
 	revokedAvailable := minInt64(points, beforeAvailable)
-	beforeLevel := LevelForPoints(cfg, beforePoints)
+	beforeLevel := EffectiveLevelForUser(cfg, beforePoints, user.RenterGrowthLevelOverride)
 	afterPoints := beforePoints - revokedPoints
-	afterLevel := LevelForPoints(cfg, afterPoints)
-	if !cfg.Enabled {
+	afterLevel := LevelForUserAfterPoints(cfg, afterPoints, user.RenterGrowthLevelOverride)
+	if !cfg.Enabled && user.RenterGrowthLevelOverride == "" {
 		beforeLevel = LevelRule{Code: DefaultLevelCode, Name: DefaultLevelName}
 		afterLevel = beforeLevel
 	}
@@ -516,6 +516,43 @@ func LevelForPoints(cfg Config, points int64) LevelRule {
 	return current
 }

+func LevelForCode(cfg Config, code string) (LevelRule, bool) {
+	cfg = normalizeConfig(cfg)
+	code = strings.TrimSpace(code)
+	if code == "" {
+		return LevelRule{}, false
+	}
+	for _, level := range cfg.Levels {
+		if level.Code == code {
+			return level, true
+		}
+	}
+	return LevelRule{}, false
+}
+
+func EffectiveLevelForUser(cfg Config, points int64, override string) LevelRule {
+	if level, ok := LevelForCode(cfg, override); ok {
+		return level
+	}
+	return LevelForPoints(cfg, points)
+}
+
+func LevelForUserAfterPoints(cfg Config, points int64, override string) LevelRule {
+	if level, ok := LevelForCode(cfg, override); ok {
+		return level
+	}
+	return LevelForPoints(cfg, points)
+}
+
+func CanViewPremiumLevel(code string) bool {
+	switch strings.TrimSpace(code) {
+	case "platinum", "diamond", "peak":
+		return true
+	default:
+		return false
+	}
+}
+
 func EffectiveDepositFreeQuotaCent(levelQuotaCent int64, manualQuotaCent int64) int64 {
 	return addQuotaCent(levelQuotaCent, manualQuotaCent)
 }
@@ -526,7 +563,14 @@ func SyncAllUserLevels(tx *gorm.DB, cfg Config) error {
 		return nil
 	}
 	if !cfg.Enabled {
-		return tx.Model(&model.User{}).Where("renter_growth_level <> ?", DefaultLevelCode).Update("renter_growth_level", DefaultLevelCode).Error
+		if err := tx.Model(&model.User{}).
+			Where("renter_growth_level_override = ? AND renter_growth_level <> ?", "", DefaultLevelCode).
+			Update("renter_growth_level", DefaultLevelCode).Error; err != nil {
+			return err
+		}
+		return tx.Model(&model.User{}).
+			Where("renter_growth_level_override <> ?", "").
+			UpdateColumn("renter_growth_level", gorm.Expr("renter_growth_level_override")).Error
 	}
 	cfg = normalizeConfig(cfg)
 	caseSQL := "CASE"
@@ -537,7 +581,14 @@ func SyncAllUserLevels(tx *gorm.DB, cfg Config) error {
 	}
 	caseSQL += " ELSE ? END"
 	args = append(args, DefaultLevelCode)
-	return tx.Model(&model.User{}).Where("1 = 1").Update("renter_growth_level", gorm.Expr(caseSQL, args...)).Error
+	if err := tx.Model(&model.User{}).
+		Where("renter_growth_level_override = ?", "").
+		Update("renter_growth_level", gorm.Expr(caseSQL, args...)).Error; err != nil {
+		return err
+	}
+	return tx.Model(&model.User{}).
+		Where("renter_growth_level_override <> ?", "").
+		UpdateColumn("renter_growth_level", gorm.Expr("renter_growth_level_override")).Error
 }

 func normalizeConfig(cfg Config) Config {
@@ -128,6 +128,48 @@ func TestLevelForPointsStartsFromNormal(t *testing.T) {
 	}
 }

+func TestEffectiveLevelForUserHonorsManualOverride(t *testing.T) {
+	cfg := DefaultConfig()
+	if got := EffectiveLevelForUser(cfg, 0, "diamond"); got.Code != "diamond" {
+		t.Fatalf("手动等级 = %s, want diamond", got.Code)
+	}
+	if got := EffectiveLevelForUser(cfg, 5000, ""); got.Code != "peak" {
+		t.Fatalf("自动等级 = %s, want peak", got.Code)
+	}
+	if !CanViewPremiumLevel("platinum") || !CanViewPremiumLevel("diamond") || !CanViewPremiumLevel("peak") {
+		t.Fatal("铂金及以上等级应可查看极品专区")
+	}
+	if CanViewPremiumLevel(DefaultLevelCode) {
+		t.Fatal("普通等级不应查看极品专区")
+	}
+}
+
+func TestSyncAllUserLevelsPreservesManualOverride(t *testing.T) {
+	db := database.NewTestDB()
+	if err := database.AutoMigrateIfMissing(db, &model.User{}); err != nil {
+		t.Fatalf("migrate failed: %v", err)
+	}
+	user := model.User{
+		Phone:                     "13800009003",
+		RenterGrowthPoints:        0,
+		RenterGrowthLevel:         "platinum",
+		RenterGrowthLevelOverride: "platinum",
+	}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatalf("create user failed: %v", err)
+	}
+	if err := SyncAllUserLevels(db, DefaultConfig()); err != nil {
+		t.Fatalf("SyncAllUserLevels() error = %v", err)
+	}
+	var saved model.User
+	if err := db.First(&saved, user.ID).Error; err != nil {
+		t.Fatalf("find user failed: %v", err)
+	}
+	if saved.RenterGrowthLevel != "platinum" || saved.RenterGrowthLevelOverride != "platinum" {
+		t.Fatalf("手动等级被同步覆盖：%+v", saved)
+	}
+}
+
 func TestCalculateDiscountCentCapsAtPlatformFee(t *testing.T) {
 	if got := CalculateDiscountCent(10000, 60, 9900); got != 60 {
 		t.Fatalf("discount = %d, want capped platform fee 60", got)
@@ -166,6 +166,8 @@ type PublishScreenshotSlot struct {
 type PublishPriceConfig struct {
 	DepositPlaceholder string `json:"deposit_placeholder"`
 	DepositHint        string `json:"deposit_hint"`
+	DepositTooltip     string `json:"deposit_tooltip"`
+	CompensationNote   string `json:"compensation_note"`
 	PricePlaceholder   string `json:"price_placeholder"`
 	RatioDescription   string `json:"ratio_description"`
 }
@@ -231,6 +231,12 @@ func normalizePublishOptions(options *PublishOptionsDTO) {
 	if options.PriceConfig.DepositHint == "" {
 		options.PriceConfig.DepositHint = defaults.PriceConfig.DepositHint
 	}
+	if options.PriceConfig.DepositTooltip == "" {
+		options.PriceConfig.DepositTooltip = defaults.PriceConfig.DepositTooltip
+	}
+	if options.PriceConfig.CompensationNote == "" {
+		options.PriceConfig.CompensationNote = defaults.PriceConfig.CompensationNote
+	}
 	if options.PriceConfig.PricePlaceholder == "" {
 		options.PriceConfig.PricePlaceholder = defaults.PriceConfig.PricePlaceholder
 	}
@@ -93,6 +93,29 @@ func DefaultPublishOptions() PublishOptionsDTO {
 		PriceConfig: PublishPriceConfig{
 			DepositPlaceholder: "温馨提示：本押金用于保障账号安全。若买家在租用期间，使用非纯币类道具/资源（如消耗品、材料等）或导致账号被封禁，相关损失将直接从押金中扣除进行赔付。押金过高会延长出租等待时间（请自行衡量）感谢理解。",
 			DepositHint:        "租客缴纳，封号必赔付",
+			DepositTooltip: `1. 系统推荐押金（基础覆盖）
+
+系统将根据您填写的出租皮肤、特勤处等级等信息，自动计算并生成一个推荐押金额度。该额度已覆盖上述主要资产的合理市场价值，可作为押金设置的基础参考。
+
+2. 系统推荐押金未覆盖项目（需自行评估）
+
+请注意，系统推荐押金暂不包含以下资产类型，您需要根据实际情况额外评估其价值：
+
+- 收藏室内的稀有物品
+- 其他具有个人纪念意义或情怀价值的虚拟资产（如限定称号、绝版道具等）
+
+3. 未出租价值折算规则（重点）
+
+请在「收藏室及不出租部分哈弗币价值」中填写收藏室等不出租资产折合的哈弗币。系统按 1元=50万 计算参考值，并自动更新推荐押金：低于参考值时覆盖为参考值，否则追加参考值的 50%。
+
+示例：基础推荐押金 200 元、收藏室价值 200M → 参考值 400 元，200<400，推荐押金更新为 400 元。
+
+目的：该举能够有效覆盖租客可能出现的洗号、违规操作导致账号封禁等风险带来的损失，为您提供充分的风险缓冲。
+
+4. 额外保障选项
+
+若您在设置足额押金后仍感不放心，可选择购买平台提供的《全额包赔服务》。一旦发生封号损失，将获得账号市场价值的全额赔付，让您的出租过程后顾无忧。`,
+			CompensationNote: "普通赔付方案如下：账号在租期内或祖期外出现封禁，追回、洗号等情况，最高可获赔全款相金+押金\n\n无忧保险赔付方案：按账号市场价值进行赔付(可参照螃蟹，盼之等主流交易平台)。注:选择此方案，需额外抽取订单佣金的8.0%作为服务费:押金须达到推荐押金方可购买。",
 			PricePlaceholder: "填写币数、保险、体力和负重后自动计算；发布总价=纯币基础价+额外消耗品",
 			RatioDescription: "1:xx 表示 1 元人民币（RMB）等价兑换 xx 万哈夫币",
 		},
@@ -136,6 +136,34 @@ func TestNormalizePublishOptionsValueDefaultsQualityOwnerRatioDiscount(t *testin
 	}
 }

+func TestNormalizePublishOptionsValueDefaultsDepositTooltip(t *testing.T) {
+	normalized, err := normalizePublishOptionsValue(`{"schema_version":2}`)
+	if err != nil {
+		t.Fatalf("规范化失败: %v", err)
+	}
+	var options PublishOptionsDTO
+	if err := json.Unmarshal([]byte(normalized), &options); err != nil {
+		t.Fatalf("解析规范化结果失败: %v", err)
+	}
+	if !strings.Contains(options.PriceConfig.DepositTooltip, "系统推荐押金（基础覆盖）") {
+		t.Fatalf("押金说明默认文案缺失: %q", options.PriceConfig.DepositTooltip)
+	}
+}
+
+func TestNormalizePublishOptionsValueDefaultsCompensationNote(t *testing.T) {
+	normalized, err := normalizePublishOptionsValue(`{"schema_version":2}`)
+	if err != nil {
+		t.Fatalf("规范化失败: %v", err)
+	}
+	var options PublishOptionsDTO
+	if err := json.Unmarshal([]byte(normalized), &options); err != nil {
+		t.Fatalf("解析规范化结果失败: %v", err)
+	}
+	if !strings.Contains(options.PriceConfig.CompensationNote, "普通赔付方案如下") {
+		t.Fatalf("赔付方案说明默认文案缺失: %q", options.PriceConfig.CompensationNote)
+	}
+}
+
 func TestNormalizePublishOptionsValuePreservesExplicitZeroPremiumReviewRatioMarkup(t *testing.T) {
 	options := DefaultPublishOptions()
 	options.RatioConfig.PremiumReviewRatioMarkup = 0
@@ -40,7 +40,7 @@ var defaultConfigs = []defaultConfig{
 	{Key: "order.return_overdue_grace_minutes", Value: "10", Description: "预计截止后结账宽限分钟数"},
 	{Key: "listing.review_required", Value: "false", Description: "发布账号是否需要后台人工审核"},
 	{Key: "listing.publish_cooldown_minutes", Value: "5", Description: "同一用户两次新增发布账号的最小间隔分钟数（0 表示关闭）"},
-	{Key: qualityowner.ConfigKey, Value: qualityowner.DefaultConfigValue(), Description: "优质号主保证金与无忧租号保险费率配置 JSON"},
+	{Key: qualityowner.ConfigKey, Value: qualityowner.DefaultConfigValue(), Description: "优质号主保证金、开通协议与无忧租号保险费率配置 JSON"},
 	{Key: listingPublishAgreementsConfigKey, Value: defaultListingPublishAgreementsConfigValue(), Description: "发布账号前协议配置 JSON"},
 	{Key: orderAgreementsConfigKey, Value: defaultOrderAgreementsConfigValue(), Description: "下单前协议配置 JSON"},
 	{Key: postRentalNoticeConfigKey, Value: defaultPostRentalNoticeConfigValue(), Description: "租后须知配置 JSON"},
@@ -134,6 +134,12 @@ func (r *Repository) List(ctx context.Context) ([]ConfigDTO, error) {
 	}
 	items := make([]ConfigDTO, 0, len(rows))
 	for _, row := range rows {
+		if row.Key == qualityowner.ConfigKey {
+			rules, err := qualityowner.ParseConfigValue(row.Value)
+			if err == nil {
+				row.Value, _ = qualityowner.MarshalConfig(rules)
+			}
+		}
 		items = append(items, toDTO(row))
 	}
 	return items, nil
@@ -427,6 +427,7 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 		return err
 	}
 	requireAuth := middleware.Auth(jwtManager, validateUserToken)
+	optionalAuth := middleware.OptionalAuth(jwtManager, validateUserToken)
 	var validateAdminToken middleware.AdminTokenValidatorFunc
 	if adminAuthRepo != nil {
 		validateAdminToken = func(ctx context.Context, adminID uint64, tokenVersion int64) (middleware.AdminTokenContext, error) {
@@ -527,11 +528,11 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {

 		listingRoutes := api.Group("/listings")
 		{
-			listingRoutes.GET("", listingHandler.ListPublic)
+			listingRoutes.GET("", optionalAuth, listingHandler.ListPublic)
 			listingRoutes.GET("/default-upload-screenshot", listingHandler.DefaultUploadScreenshot)
 			listingRoutes.GET("/:id/cover", listingHandler.Cover)
 			listingRoutes.GET("/:id/screenshots/:index", listingHandler.Screenshot)
-			listingRoutes.GET("/:id", listingHandler.FindPublic)
+			listingRoutes.GET("/:id", optionalAuth, listingHandler.FindPublic)
 			listingRoutes.POST("", requireAuth, requireRealname, listingHandler.Create)
 			listingRoutes.PUT("/:id", requireAuth, requireRealname, listingHandler.Update)
 			listingRoutes.POST("/:id/submit-review", requireAuth, requireRealname, listingHandler.SubmitReview)
@@ -801,6 +802,7 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 			adminRoutes.POST("/users/:id/unfreeze", requirePerm("user:unfreeze"), adminUserHandler.Unfreeze)
 			adminRoutes.POST("/users/:id/deposit-free-quota", requirePerm("user:deposit_free"), adminUserHandler.SetDepositFreeQuota)
 			adminRoutes.POST("/users/:id/growth-points", requirePerm("user:growth_points"), adminUserHandler.AdjustGrowthPoints)
+			adminRoutes.POST("/users/:id/growth-level", requirePerm("user:growth_level"), adminUserHandler.AdjustGrowthLevel)
 			adminRoutes.POST("/users/:id/manual-realname", requirePerm("user:manual_realname"), adminUserHandler.ManualRealname)
 			adminRoutes.POST("/users/:id/revoke-realname", requirePerm("user:revoke_realname"), adminUserHandler.RevokeRealname)
 			adminRoutes.POST("/users/:id/wallet/adjust", requirePerm("user:wallet_adjust"), adminUserHandler.AdjustWallet)
@@ -0,0 +1,26 @@
+-- +goose Up
+
+ALTER TABLE users
+  ADD COLUMN renter_growth_level_override VARCHAR(32) NOT NULL DEFAULT '' COMMENT '后台手动锁定成长等级，空值表示按积分自动计算' AFTER renter_growth_level;
+
+INSERT INTO permissions (code, name, resource, action) VALUES
+('user:growth_level', '调整成长等级', 'user', 'growth_level')
+ON DUPLICATE KEY UPDATE
+  name = VALUES(name),
+  resource = VALUES(resource),
+  action = VALUES(action);
+
+INSERT IGNORE INTO role_permissions (role_id, permission_id)
+SELECT r.id, p.id FROM roles r, permissions p
+WHERE r.code IN ('super_admin', 'ops') AND p.code = 'user:growth_level';
+
+-- +goose Down
+
+DELETE rp FROM role_permissions rp
+JOIN permissions p ON p.id = rp.permission_id
+WHERE p.code = 'user:growth_level';
+
+DELETE FROM permissions WHERE code = 'user:growth_level';
+
+ALTER TABLE users
+  DROP COLUMN renter_growth_level_override;
@@ -20,6 +20,8 @@ export interface AdminUserItem {
  points_available: number
  renter_growth_level: string
  renter_growth_level_name: string
+  renter_growth_level_override: string
+  renter_growth_level_manual: boolean
  available_balance_cent: number
  frozen_balance_cent: number
  quality_owner_status: 'none' | 'active' | string
@@ -47,6 +49,11 @@ export interface AdminGrowthPointsAdjustPayload {
  reason: string
 }

+export interface AdminGrowthLevelAdjustPayload {
+  target_level: string
+  reason: string
+}
+
 export interface AdminUserQuery {
  keyword?: string
  status?: '' | UserStatus
@@ -100,6 +107,17 @@ export async function adjustAdminUserGrowthPoints(
  return data.data
 }

+export async function adjustAdminUserGrowthLevel(
+  id: number,
+  payload: AdminGrowthLevelAdjustPayload
+) {
+  const { data } = await apiClient.post<ApiResponse<AdminUserItem>>(
+    `/admin/users/${id}/growth-level`,
+    payload
+  )
+  return data.data
+}
+
 export async function revokeAdminUserRealname(id: number, reason: string) {
  const { data } = await apiClient.post<ApiResponse<AdminUserItem>>(
    `/admin/users/${id}/revoke-realname`,
@@ -59,6 +59,18 @@
  font-variant-numeric: tabular-nums;
 }

+.user-detail__metrics strong em {
+  display: inline-flex;
+  margin-left: 5px;
+  padding: 1px 6px;
+  border-radius: 8px;
+  background: #fff7ed;
+  color: #c2410c;
+  font-size: 10px;
+  font-style: normal;
+  vertical-align: middle;
+}
+
 .tab-toolbar {
  display: flex;
  align-items: center;
@@ -464,7 +464,10 @@ function goPayments() {
          </div>
          <div>
            <span>成长等级</span>
-            <strong>{{ user.renter_growth_level_name || '普通' }}</strong>
+            <strong>
+              {{ user.renter_growth_level_name || '普通' }}
+              <em v-if="user.renter_growth_level_manual">手动</em>
+            </strong>
          </div>
          <div>
            <span>注册时间</span>
@@ -336,6 +336,22 @@ async function handleSave() {
              placeholder="例如：租客缴纳，封号必赔付"
            />
          </el-form-item>
+          <el-form-item label="押金悬浮说明">
+            <el-input
+              v-model="publishOptionsDraft.price_config.deposit_tooltip"
+              type="textarea"
+              :rows="12"
+              placeholder="支持换行，发布页点击或悬停押金旁的说明图标时展示"
+            />
+          </el-form-item>
+          <el-form-item label="赔付方案说明">
+            <el-input
+              v-model="publishOptionsDraft.price_config.compensation_note"
+              type="textarea"
+              :rows="6"
+              placeholder="支持换行，发布页选择赔付方案后展示"
+            />
+          </el-form-item>
          <el-form-item label="价格提示">
            <el-input
              v-model="publishOptionsDraft.price_config.price_placeholder"
@@ -19,6 +19,9 @@ const form = reactive({
  depositYuan: 200,
  insurancePercent: 8,
  premiumInsurancePercent: 4,
+  agreementTitle: '',
+  agreementContent: '',
+  agreementReadSeconds: 15,
  description: '',
  saving: false,
 })
@@ -32,10 +35,18 @@ watch(
      form.depositYuan = Number(parsed.deposit_amount_cent || 20000) / 100
      form.insurancePercent = Number(parsed.insurance_fee_bps || 800) / 100
      form.premiumInsurancePercent = Number(parsed.premium_insurance_fee_bps || 400) / 100
+      form.agreementTitle =
+        typeof parsed.agreement_title === 'string' ? parsed.agreement_title : '优质号主服务协议'
+      form.agreementContent =
+        typeof parsed.agreement_content === 'string' ? parsed.agreement_content : ''
+      form.agreementReadSeconds = Math.max(15, Number(parsed.agreement_read_seconds || 15))
    } catch {
      form.depositYuan = 200
      form.insurancePercent = 8
      form.premiumInsurancePercent = 4
+      form.agreementTitle = '优质号主服务协议'
+      form.agreementContent = ''
+      form.agreementReadSeconds = 15
    }
    form.description = props.config.description || ''
  },
@@ -55,6 +66,14 @@ async function save() {
    ElMessage.warning('极品专区费率不能高于普通保险费率')
    return
  }
+  if (!form.agreementTitle.trim() || !form.agreementContent.trim()) {
+    ElMessage.warning('请填写优质号主协议标题和正文')
+    return
+  }
+  if (form.agreementReadSeconds < 15 || form.agreementReadSeconds > 300) {
+    ElMessage.warning('强制阅读时长必须在 15-300 秒之间')
+    return
+  }
  form.saving = true
  try {
    await updateSystemConfig(props.config.key, {
@@ -62,6 +81,9 @@ async function save() {
        deposit_amount_cent: Math.round(form.depositYuan * 100),
        insurance_fee_bps: Math.round(form.insurancePercent * 100),
        premium_insurance_fee_bps: Math.round(form.premiumInsurancePercent * 100),
+        agreement_title: form.agreementTitle.trim(),
+        agreement_content: form.agreementContent.trim(),
+        agreement_read_seconds: Math.round(form.agreementReadSeconds),
      }),
      description: form.description,
    })
@@ -80,7 +102,8 @@ async function save() {
  <el-dialog
    :model-value="modelValue"
    title="优质号主与无忧租号保险"
-    width="560px"
+    width="900px"
+    class="quality-owner-config-dialog"
    @update:model-value="emit('update:modelValue', $event)"
  >
    <el-form label-position="top">
@@ -105,6 +128,27 @@ async function save() {
          :step="0.5"
        />
      </el-form-item>
+      <el-form-item label="开通协议标题">
+        <el-input v-model="form.agreementTitle" placeholder="优质号主服务协议" />
+      </el-form-item>
+      <el-form-item label="强制阅读时长（秒）">
+        <el-input-number
+          v-model="form.agreementReadSeconds"
+          :min="15"
+          :max="300"
+          :step="1"
+          :precision="0"
+        />
+        <span class="agreement-config-hint">最低 15 秒，用户阅读完成并勾选同意后才能继续。</span>
+      </el-form-item>
+      <el-form-item label="开通协议正文">
+        <el-input
+          v-model="form.agreementContent"
+          type="textarea"
+          :rows="20"
+          placeholder="支持 Markdown 标题、列表和表格"
+        />
+      </el-form-item>
      <el-form-item label="配置说明">
        <el-input v-model="form.description" type="textarea" :rows="3" />
      </el-form-item>
@@ -112,7 +156,7 @@ async function save() {
    <el-alert
      type="info"
      :closable="false"
-      title="费率按号主实际到手租金计算，并在订单结算时扣减；历史订单保留下单时费率快照。"
+      title="费率按号主实际到手租金计算，并在订单结算时扣减；历史订单保留下单时费率快照。协议正文支持 Markdown 表格。"
    />
    <template #footer>
      <el-button @click="emit('update:modelValue', false)">取消</el-button>
@@ -120,3 +164,17 @@ async function save() {
    </template>
  </el-dialog>
 </template>
+
+<style scoped>
+:global(.quality-owner-config-dialog .el-dialog__body) {
+  max-height: 72vh;
+  overflow-y: auto;
+  padding-right: 18px;
+}
+
+.agreement-config-hint {
+  margin-left: 10px;
+  color: #64748b;
+  font-size: 12px;
+}
+</style>
@@ -660,12 +660,11 @@ function formatConfigValue(row: SystemConfig) {
          <p class="eyebrow">Premium Owner</p>
          <h2>优质号主与无忧租号保险</h2>
          <span>
-            配置优质号主保证金，以及普通发布和「优质号主 + 极品专区」的无忧租号保险服务费率。
+            配置优质号主保证金、开通协议，以及普通发布和「优质号主 +
+            极品专区」的无忧租号保险服务费率。
          </span>
        </div>
-        <el-button type="primary" @click="openEdit(qualityOwnerConfig)">
-          编辑保证金与费率
-        </el-button>
+        <el-button type="primary" @click="openEdit(qualityOwnerConfig)"> 编辑配置 </el-button>
      </div>
      <div class="publish-stat-grid home-stat-grid">
        <div class="publish-stat">
@@ -111,6 +111,17 @@
  font-variant-numeric: tabular-nums;
 }

+.growth-level-cell {
+  display: flex;
+  align-items: center;
+  flex-wrap: wrap;
+  gap: 5px;
+}
+
+.level-reason-item {
+  margin-top: 16px;
+}
+
 .wallet-balance-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
@@ -5,6 +5,7 @@ import { Search } from '@element-plus/icons-vue'
 import { computed, reactive, ref } from 'vue'

 import {
+  adjustAdminUserGrowthLevel,
  adjustAdminUserGrowthPoints,
  adjustAdminUserWallet,
  fetchAdminUsers,
@@ -17,6 +18,7 @@ import {
  type AdminUserItem,
  type AdminUserQuery,
 } from '@/features/admin/api/adminUsers'
+import { defaultRenterGrowthConfig } from '@/features/admin/api/renterGrowth'
 import { centToYuan, formatCent, yuanToCent } from '@/shared/utils/money'
 import { useAdminPaginatedTable } from '@/features/admin/composables/useAdminPaginatedTable'
 import { realnameStatusLabel, userStatusLabel } from '@/shared/utils/statusLabels'
@@ -28,6 +30,7 @@ import AdminUserDetailDrawer from '../components/AdminUserDetailDrawer.vue'
 const adminSession = useAdminSessionStore()
 const canAdjustWallet = computed(() => adminSession.hasPermission('user:wallet_adjust'))
 const canAdjustGrowthPoints = computed(() => adminSession.hasPermission('user:growth_points'))
+const canAdjustGrowthLevel = computed(() => adminSession.hasPermission('user:growth_level'))
 const canSetQualityOwner = computed(() => adminSession.hasPermission('user:quality_owner'))
 const canViewUserDetail = computed(
  () =>
@@ -44,6 +47,7 @@ const realnameUser = ref<AdminUserItem | null>(null)
 const manualRealnameUser = ref<AdminUserItem | null>(null)
 const walletUser = ref<AdminUserItem | null>(null)
 const growthUser = ref<AdminUserItem | null>(null)
+const growthLevelUser = ref<AdminUserItem | null>(null)
 const freezeReason = ref('')
 const revokeRealnameReason = ref('')
 const quotaAmount = ref(0)
@@ -51,6 +55,11 @@ const growthForm = reactive({
  targetPoints: 0,
  reason: '',
 })
+const growthLevelForm = reactive({
+  targetLevel: '',
+  reason: '',
+})
+const growthLevelOptions = defaultRenterGrowthConfig.levels
 const manualRealnameForm = reactive({
  name: '',
  idNo: '',
@@ -114,6 +123,12 @@ function openGrowthPoints(row: AdminUserItem) {
  growthForm.reason = ''
 }

+function openGrowthLevel(row: AdminUserItem) {
+  growthLevelUser.value = row
+  growthLevelForm.targetLevel = row.renter_growth_level_override || ''
+  growthLevelForm.reason = ''
+}
+
 function openWalletAdjust(row: AdminUserItem) {
  walletUser.value = row
  walletForm.direction = 'out'
@@ -182,6 +197,49 @@ async function handleAdjustGrowthPoints() {
  }
 }

+async function handleAdjustGrowthLevel() {
+  if (!growthLevelUser.value) return
+  const targetLevel = growthLevelForm.targetLevel.trim()
+  if (targetLevel === (growthLevelUser.value.renter_growth_level_override || '')) {
+    ElMessage.warning('目标等级与当前手动等级相同')
+    return
+  }
+  if (growthLevelForm.reason.trim().length < 2) {
+    ElMessage.warning('请填写至少 2 个字的调整原因')
+    return
+  }
+  const targetName = targetLevel
+    ? growthLevelOptions.find(level => level.code === targetLevel)?.name || targetLevel
+    : '按积分自动计算'
+  try {
+    await ElMessageBox.confirm(
+      `确认将用户 ${growthLevelUser.value.phone || growthLevelUser.value.id} 的成长等级调整为「${targetName}」？\n手动设置后会锁定等级，后续积分变动不会自动覆盖。`,
+      '确认调整等级',
+      {
+        type: 'warning',
+        confirmButtonText: '确认调整',
+        cancelButtonText: '取消',
+      }
+    )
+  } catch {
+    return
+  }
+  submitting.value = true
+  try {
+    await adjustAdminUserGrowthLevel(growthLevelUser.value.id, {
+      target_level: targetLevel,
+      reason: growthLevelForm.reason.trim(),
+    })
+    ElMessage.success('成长等级已更新')
+    growthLevelUser.value = null
+    await loadUsers()
+  } catch (error) {
+    ElMessage.error(readError(error, '调整成长等级失败'))
+  } finally {
+    submitting.value = false
+  }
+}
+
 async function handleFreeze() {
  if (!activeUser.value) return
  submitting.value = true
@@ -435,9 +493,19 @@ function moneyCent(value: number | string | undefined) {
      </el-table-column>
      <el-table-column label="成长等级" width="100">
        <template #default="{ row }">
+          <div class="growth-level-cell">
            <el-tag type="success" effect="light">{{
              row.renter_growth_level_name || '普通'
            }}</el-tag>
+            <el-tag
+              v-if="row.renter_growth_level_manual"
+              type="warning"
+              effect="plain"
+              size="small"
+            >
+              手动
+            </el-tag>
+          </div>
        </template>
      </el-table-column>
      <el-table-column label="成长积分" width="100" align="right">
@@ -475,7 +543,7 @@ function moneyCent(value: number | string | undefined) {
      <el-table-column label="注册时间" min-width="160">
        <template #default="{ row }">{{ formatDateTime(row.created_at) }}</template>
      </el-table-column>
-      <el-table-column label="操作" width="470" fixed="right" align="right">
+      <el-table-column label="操作" width="520" fixed="right" align="right">
        <template #default="{ row }">
          <div class="table-actions">
            <el-button
@@ -505,6 +573,15 @@ function moneyCent(value: number | string | undefined) {
            >
              积分
            </el-button>
+            <el-button
+              v-if="canAdjustGrowthLevel"
+              text
+              type="primary"
+              size="small"
+              @click="openGrowthLevel(row)"
+            >
+              等级
+            </el-button>
            <el-button text type="primary" size="small" @click="openDepositQuota(row)">
              人工免押
            </el-button>
@@ -752,6 +829,60 @@ function moneyCent(value: number | string | undefined) {
      </template>
    </el-dialog>

+    <el-dialog
+      :model-value="!!growthLevelUser"
+      title="调整成长等级"
+      width="540px"
+      @update:model-value="growthLevelUser = null"
+    >
+      <div v-if="growthLevelUser" class="dialog-body growth-dialog">
+        <p>
+          <strong>{{ growthLevelUser.phone }}</strong> · {{ growthLevelUser.nickname || '-' }} ·
+          当前
+          {{ growthLevelUser.renter_growth_level_name }}
+          {{ growthLevelUser.renter_growth_level_manual ? '（手动锁定）' : '（自动计算）' }}
+        </p>
+        <div class="growth-current">
+          <span>当前成长积分</span>
+          <strong>{{ growthLevelUser.renter_growth_points }}</strong>
+        </div>
+        <el-form label-position="top" @submit.prevent>
+          <el-form-item label="目标等级">
+            <el-select v-model="growthLevelForm.targetLevel" class="full-control">
+              <el-option label="恢复按积分自动计算" value="" />
+              <el-option
+                v-for="level in growthLevelOptions"
+                :key="level.code"
+                :label="level.name"
+                :value="level.code"
+              />
+            </el-select>
+          </el-form-item>
+          <el-alert
+            type="warning"
+            :closable="false"
+            title="手动等级会锁定，后续积分变动不会自动覆盖；选择“恢复按积分自动计算”可解除锁定。操作会写入审计日志。"
+          />
+          <el-form-item label="调整原因（必填）" class="level-reason-item">
+            <el-input
+              v-model="growthLevelForm.reason"
+              type="textarea"
+              :rows="3"
+              maxlength="200"
+              show-word-limit
+              placeholder="例如：特殊用户授权、客服补偿或修正异常等级"
+            />
+          </el-form-item>
+        </el-form>
+      </div>
+      <template #footer>
+        <el-button :disabled="submitting" @click="growthLevelUser = null">取消</el-button>
+        <el-button type="primary" :loading="submitting" @click="handleAdjustGrowthLevel">
+          确认调整
+        </el-button>
+      </template>
+    </el-dialog>
+
    <el-dialog
      :model-value="!!walletUser"
      title="余额管理"
@@ -882,6 +882,77 @@
  min-width: 72px;
 }

+.quality-owner-agreement-popup {
+  overflow: hidden;
+}
+
+.quality-owner-agreement-shell {
+  display: grid;
+  grid-template-rows: auto minmax(0, 1fr) auto;
+  height: 100%;
+  background: #fff;
+}
+
+.quality-owner-agreement-header {
+  padding: 18px 46px 12px 16px;
+  border-bottom: 1px solid #eef1f5;
+}
+
+.quality-owner-agreement-header h3 {
+  margin: 0;
+  color: #20242a;
+  font-size: 17px;
+  font-weight: 900;
+}
+
+.quality-owner-agreement-header p {
+  margin: 5px 0 0;
+  color: #858c96;
+  font-size: 11px;
+}
+
+.quality-owner-agreement-scroll {
+  overflow-y: auto;
+  padding: 12px 16px 16px;
+  overscroll-behavior: contain;
+}
+
+.quality-owner-agreement-actions {
+  display: grid;
+  gap: 10px;
+  padding: 12px 16px calc(12px + env(safe-area-inset-bottom));
+  border-top: 1px solid #eef1f5;
+  background: #fff;
+}
+
+.quality-owner-agreement-actions :deep(.van-checkbox__label) {
+  color: #7c2d12;
+  font-size: 11px;
+  font-weight: 700;
+  line-height: 1.5;
+}
+
+.quality-owner-agreement-submit {
+  display: grid;
+  grid-template-columns: minmax(0, 1fr) auto;
+  align-items: center;
+  gap: 12px;
+}
+
+.quality-owner-agreement-submit > span {
+  color: #c2410c;
+  font-size: 11px;
+  font-weight: 800;
+}
+
+.quality-owner-agreement-submit > span.is-ready {
+  color: #15803d;
+}
+
+.quality-owner-agreement-submit :deep(.van-button) {
+  min-width: 132px;
+}
+
 /* ========== 响应式适配 ========== */
@media (min-width: 520px) {
  .mobile-profile-shell {
@@ -26,6 +26,8 @@ import {
  startQualityOwnerPayment,
  type QualityOwnerStatus,
 } from '@/features/quality-owner/api/qualityOwner'
+import QualityOwnerAgreementContent from '@/features/quality-owner/components/QualityOwnerAgreementContent.vue'
+import { useQualityOwnerAgreement } from '@/features/quality-owner/composables/useQualityOwnerAgreement'
 import type { PaymentPayWay } from '@/features/orders/api/orders'
 import { useMobilePayWaySelect } from '@/features/orders/composables/useMobilePayWaySelect'
 import { useMobilePaymentCashier } from '@/features/orders/composables/useMobilePaymentCashier'
@@ -50,6 +52,15 @@ const qualityOwnerStatus = ref<QualityOwnerStatus | null>(null)
 const qualityOwnerLoading = ref(false)
 const qualityOwnerOnlineLoading = ref(false)
 const qualityOwnerCancelling = ref(false)
+const {
+  visible: qualityOwnerAgreementVisible,
+  accepted: qualityOwnerAgreementAccepted,
+  remainingSeconds: qualityOwnerAgreementRemainingSeconds,
+  canConfirm: qualityOwnerAgreementCanConfirm,
+  open: openQualityOwnerAgreement,
+  close: closeQualityOwnerAgreement,
+  confirm: confirmQualityOwnerAgreement,
+} = useQualityOwnerAgreement()
 const qualityOwnerPayWaySelect = useMobilePayWaySelect()
 const qualityOwnerCashier = useMobilePaymentCashier({
  queryPayment: () => queryQualityOwnerPayment(),
@@ -164,22 +175,13 @@ async function loadQualityOwnerStatus() {
  }
 }

-async function handleActivateQualityOwner() {
+function handleActivateQualityOwner() {
  const status = qualityOwnerStatus.value
  if (!status || status.active) return
-  try {
-    await showDialog({
-      title: '开通优质号主',
-      message: `确认从可用余额中扣除 ¥${formatCent(
-        status.required_deposit_cent
-      )} 作为保证金？取消资格时会退回余额。`,
-      showCancelButton: true,
-      confirmButtonText: '确认缴纳',
-      cancelButtonText: '取消',
-    })
-  } catch {
-    return
-  }
+  openQualityOwnerAgreement(status, activateQualityOwnerByBalance)
+}
+
+async function activateQualityOwnerByBalance() {
  qualityOwnerLoading.value = true
  try {
    qualityOwnerStatus.value = await activateQualityOwner()
@@ -193,7 +195,13 @@ async function handleActivateQualityOwner() {
  }
 }

-async function handleOnlineQualityOwnerPayment() {
+function handleOnlineQualityOwnerPayment() {
+  const status = qualityOwnerStatus.value
+  if (!status || status.active) return
+  openQualityOwnerAgreement(status, continueOnlineQualityOwnerPayment)
+}
+
+async function continueOnlineQualityOwnerPayment() {
  const payWay = await qualityOwnerPayWaySelect.select()
  if (!payWay) return
  qualityOwnerOnlineLoading.value = true
@@ -760,6 +768,51 @@ function resolveAvatarURL(url: string | undefined | null) {
      @refresh="qualityOwnerCashier.refreshPaymentStatus(false)"
    />

+    <van-popup
+      v-model:show="qualityOwnerAgreementVisible"
+      position="bottom"
+      round
+      closeable
+      :close-on-click-overlay="false"
+      class="quality-owner-agreement-popup"
+      :style="{ height: '86%' }"
+      @closed="closeQualityOwnerAgreement"
+    >
+      <div class="quality-owner-agreement-shell">
+        <header class="quality-owner-agreement-header">
+          <h3>{{ qualityOwnerStatus?.agreement_title || '优质号主服务协议' }}</h3>
+          <p>请完整阅读后勾选同意并继续开通</p>
+        </header>
+        <div class="quality-owner-agreement-scroll">
+          <QualityOwnerAgreementContent :content="qualityOwnerStatus?.agreement_content || ''" />
+        </div>
+        <footer class="quality-owner-agreement-actions">
+          <van-checkbox v-model="qualityOwnerAgreementAccepted" icon-size="18px">
+            本人已详细阅读并充分理解本协议全部内容，同意遵守上述条款
+          </van-checkbox>
+          <div class="quality-owner-agreement-submit">
+            <span v-if="qualityOwnerAgreementRemainingSeconds > 0">
+              还需阅读 {{ qualityOwnerAgreementRemainingSeconds }} 秒
+            </span>
+            <span v-else class="is-ready">已完成强制阅读</span>
+            <van-button
+              round
+              type="primary"
+              color="#7c3aed"
+              :disabled="!qualityOwnerAgreementCanConfirm"
+              @click="confirmQualityOwnerAgreement"
+            >
+              {{
+                qualityOwnerAgreementRemainingSeconds > 0
+                  ? `还需阅读 ${qualityOwnerAgreementRemainingSeconds} 秒`
+                  : '同意并继续'
+              }}
+            </van-button>
+          </div>
+        </footer>
+      </div>
+    </van-popup>
+
    <!-- 账单明细 Popup -->
    <van-popup
      v-model:show="showLedgers"
@@ -29,6 +29,8 @@ import {
  startQualityOwnerPayment,
  type QualityOwnerStatus,
 } from '@/features/quality-owner/api/qualityOwner'
+import QualityOwnerAgreementContent from '@/features/quality-owner/components/QualityOwnerAgreementContent.vue'
+import { useQualityOwnerAgreement } from '@/features/quality-owner/composables/useQualityOwnerAgreement'
 import { formatCent } from '@/shared/utils/money'
 import type { PaymentPayWay } from '@/features/orders/api/orders'
 import { useOrderPaymentCashier } from '@/features/orders/composables/useOrderPaymentCashier'
@@ -42,6 +44,15 @@ const qualityOwnerOnlineLoading = ref(false)
 const qualityOwnerCancelling = ref(false)
 const qualityOwnerPayWayVisible = ref(false)
 const qualityOwnerStatus = ref<QualityOwnerStatus | null>(null)
+const {
+  visible: qualityOwnerAgreementVisible,
+  accepted: qualityOwnerAgreementAccepted,
+  remainingSeconds: qualityOwnerAgreementRemainingSeconds,
+  canConfirm: qualityOwnerAgreementCanConfirm,
+  open: openQualityOwnerAgreement,
+  close: closeQualityOwnerAgreement,
+  confirm: confirmQualityOwnerAgreement,
+} = useQualityOwnerAgreement()
 const uploadingAvatar = ref(false)
 const avatarFileInput = ref<HTMLInputElement | null>(null)
 const form = reactive({
@@ -101,23 +112,13 @@ async function loadQualityOwnerStatus() {
  }
 }

-async function handleActivateQualityOwner() {
+function handleActivateQualityOwner() {
  const status = qualityOwnerStatus.value
  if (!status || status.active) return
-  const deposit = formatCent(status.required_deposit_cent)
-  try {
-    await ElMessageBox.confirm(
-      `确认从可用余额中扣除 ¥${deposit} 作为优质号主保证金？保证金会冻结，取消优质号主资格时退回。`,
-      '开通优质号主',
-      {
-        type: 'warning',
-        confirmButtonText: '确认缴纳',
-        cancelButtonText: '取消',
-      }
-    )
-  } catch {
-    return
-  }
+  openQualityOwnerAgreement(status, activateQualityOwnerByBalance)
+}
+
+async function activateQualityOwnerByBalance() {
  qualityOwnerLoading.value = true
  try {
    qualityOwnerStatus.value = await activateQualityOwner()
@@ -131,6 +132,12 @@ async function handleActivateQualityOwner() {
 }

 function openQualityOwnerOnlinePayment() {
+  const status = qualityOwnerStatus.value
+  if (!status || status.active) return
+  openQualityOwnerAgreement(status, continueQualityOwnerOnlinePayment)
+}
+
+function continueQualityOwnerOnlinePayment() {
  qualityOwnerPayWayVisible.value = true
 }

@@ -507,7 +514,11 @@ async function savePassword() {
          >
            余额支付开通
          </el-button>
-          <el-button :loading="qualityOwnerOnlineLoading" @click="openQualityOwnerOnlinePayment">
+          <el-button
+            :loading="qualityOwnerOnlineLoading"
+            :disabled="!qualityOwnerStatus"
+            @click="openQualityOwnerOnlinePayment"
+          >
            微信 / 支付宝支付开通
          </el-button>
        </div>
@@ -527,6 +538,43 @@ async function savePassword() {

    <PayWaySelectDialog v-model="qualityOwnerPayWayVisible" @choose="chooseQualityOwnerPayWay" />

+    <el-dialog
+      v-model="qualityOwnerAgreementVisible"
+      :title="qualityOwnerStatus?.agreement_title || '优质号主服务协议'"
+      width="760px"
+      append-to-body
+      :close-on-click-modal="false"
+      class="quality-owner-agreement-dialog"
+      @closed="closeQualityOwnerAgreement"
+    >
+      <div class="quality-owner-agreement-body">
+        <QualityOwnerAgreementContent :content="qualityOwnerStatus?.agreement_content || ''" />
+        <div class="quality-owner-agreement-consent">
+          <el-checkbox v-model="qualityOwnerAgreementAccepted">
+            本人已详细阅读并充分理解本协议全部内容，同意遵守上述条款
+          </el-checkbox>
+          <span v-if="qualityOwnerAgreementRemainingSeconds > 0">
+            还需阅读 {{ qualityOwnerAgreementRemainingSeconds }} 秒
+          </span>
+          <span v-else class="is-ready">已完成强制阅读</span>
+        </div>
+      </div>
+      <template #footer>
+        <el-button @click="closeQualityOwnerAgreement">取消</el-button>
+        <el-button
+          type="primary"
+          :disabled="!qualityOwnerAgreementCanConfirm"
+          @click="confirmQualityOwnerAgreement"
+        >
+          {{
+            qualityOwnerAgreementRemainingSeconds > 0
+              ? `还需阅读 ${qualityOwnerAgreementRemainingSeconds} 秒`
+              : '同意并继续'
+          }}
+        </el-button>
+      </template>
+    </el-dialog>
+
    <el-dialog
      v-model="qualityOwnerPaymentVisible"
      title="优质号主保证金支付"
@@ -1165,6 +1213,45 @@ async function savePassword() {
  margin-left: 0;
 }

+.quality-owner-agreement-body {
+  display: grid;
+  gap: 16px;
+}
+
+.quality-owner-agreement-body > :first-child {
+  max-height: 58vh;
+  overflow-y: auto;
+  padding: 4px 18px 16px 4px;
+}
+
+.quality-owner-agreement-consent {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 16px;
+  padding: 12px 14px;
+  border: 1px solid #fed7aa;
+  border-radius: 8px;
+  background: #fff7ed;
+}
+
+.quality-owner-agreement-consent :deep(.el-checkbox__label) {
+  color: #7c2d12;
+  font-size: 13px;
+  font-weight: 700;
+}
+
+.quality-owner-agreement-consent > span {
+  flex-shrink: 0;
+  color: #c2410c;
+  font-size: 12px;
+  font-weight: 800;
+}
+
+.quality-owner-agreement-consent > span.is-ready {
+  color: #15803d;
+}
+
 .quality-owner-pay-dialog-body {
  display: grid;
  gap: 14px;
@@ -0,0 +1,42 @@
+import { describe, expect, it } from 'vitest'
+
+import { mergeListingPublishOptions } from './listingOptions'
+
+describe('mergeListingPublishOptions', () => {
+  it('保留配置结构版本，避免保存时触发旧版迁移', () => {
+    const options = mergeListingPublishOptions({
+      schema_version: 2,
+    })
+
+    expect(options.schema_version).toBe(2)
+  })
+
+  it('读取后台配置的押金说明', () => {
+    const options = mergeListingPublishOptions({
+      price_config: {
+        deposit_placeholder: '',
+        deposit_hint: '',
+        deposit_tooltip: '自定义押金说明',
+        price_placeholder: '',
+        ratio_description: '',
+      },
+    })
+
+    expect(options.price_config.deposit_tooltip).toBe('自定义押金说明')
+  })
+
+  it('读取后台配置的赔付方案说明', () => {
+    const options = mergeListingPublishOptions({
+      price_config: {
+        deposit_placeholder: '',
+        deposit_hint: '',
+        deposit_tooltip: '',
+        compensation_note: '自定义赔付方案说明',
+        price_placeholder: '',
+        ratio_description: '',
+      },
+    })
+
+    expect(options.price_config.compensation_note).toBe('自定义赔付方案说明')
+  })
+})
@@ -32,6 +32,8 @@ export interface PublishScreenshotSlot {
 export interface PublishPriceConfig {
  deposit_placeholder: string
  deposit_hint: string
+  deposit_tooltip: string
+  compensation_note: string
  price_placeholder: string
  ratio_description: string
 }
@@ -101,6 +103,7 @@ export interface ListingPublishAgreements {
 }

 export interface ListingPublishOptions {
+  schema_version: number
  /** 发布页是否展示「是否解锁德穆兰」选项 */
  unlock_demulan_enabled: boolean
  next_season_pass_enabled: boolean
@@ -122,7 +125,31 @@ export interface ListingPublishOptions {
  ratio_config: PublishRatioConfig
 }

+const defaultDepositTooltip = `1. 系统推荐押金（基础覆盖）
+
+系统将根据您填写的出租皮肤、特勤处等级等信息，自动计算并生成一个推荐押金额度。该额度已覆盖上述主要资产的合理市场价值，可作为押金设置的基础参考。
+
+2. 系统推荐押金未覆盖项目（需自行评估）
+
+请注意，系统推荐押金暂不包含以下资产类型，您需要根据实际情况额外评估其价值：
+
+- 收藏室内的稀有物品
+- 其他具有个人纪念意义或情怀价值的虚拟资产（如限定称号、绝版道具等）
+
+3. 未出租价值折算规则（重点）
+
+请在「收藏室及不出租部分哈弗币价值」中填写收藏室等不出租资产折合的哈弗币。系统按 1元=50万 计算参考值，并自动更新推荐押金：低于参考值时覆盖为参考值，否则追加参考值的 50%。
+
+示例：基础推荐押金 200 元、收藏室价值 200M → 参考值 400 元，200<400，推荐押金更新为 400 元。
+
+目的：该举能够有效覆盖租客可能出现的洗号、违规操作导致账号封禁等风险带来的损失，为您提供充分的风险缓冲。
+
+4. 额外保障选项
+
+若您在设置足额押金后仍感不放心，可选择购买平台提供的《全额包赔服务》。一旦发生封号损失，将获得账号市场价值的全额赔付，让您的出租过程后顾无忧。`
+
 export const emptyListingPublishOptions: ListingPublishOptions = {
+  schema_version: 2,
  unlock_demulan_enabled: false,
  next_season_pass_enabled: false,
  server_options: [],
@@ -141,6 +168,9 @@ export const emptyListingPublishOptions: ListingPublishOptions = {
  price_config: {
    deposit_placeholder: '',
    deposit_hint: '租客缴纳，封号必赔付',
+    deposit_tooltip: defaultDepositTooltip,
+    compensation_note:
+      '普通赔付方案如下：账号在租期内或祖期外出现封禁，追回、洗号等情况，最高可获赔全款相金+押金\n\n无忧保险赔付方案：按账号市场价值进行赔付(可参照螃蟹，盼之等主流交易平台)。注:选择此方案，需额外抽取订单佣金的8.0%作为服务费:押金须达到推荐押金方可购买。',
    price_placeholder: '',
    ratio_description: '',
  },
@@ -215,6 +245,7 @@ export function mergeListingPublishOptions(
  options?: Partial<ListingPublishOptions>
 ): ListingPublishOptions {
  return {
+    schema_version: readPositiveInteger(options?.schema_version, 2),
    unlock_demulan_enabled: options?.unlock_demulan_enabled === true,
    next_season_pass_enabled: options?.next_season_pass_enabled === true,
    server_options: normalizeStringList(options?.server_options),
@@ -325,6 +356,14 @@ function normalizePriceConfig(value?: unknown): PublishPriceConfig {
      typeof row.deposit_hint === 'string' && row.deposit_hint.trim()
        ? row.deposit_hint.trim()
        : emptyListingPublishOptions.price_config.deposit_hint,
+    deposit_tooltip:
+      typeof row.deposit_tooltip === 'string' && row.deposit_tooltip.trim()
+        ? row.deposit_tooltip.trim()
+        : emptyListingPublishOptions.price_config.deposit_tooltip,
+    compensation_note:
+      typeof row.compensation_note === 'string' && row.compensation_note.trim()
+        ? row.compensation_note.trim()
+        : emptyListingPublishOptions.price_config.compensation_note,
    price_placeholder:
      typeof row.price_placeholder === 'string' ? row.price_placeholder.trim() : '',
    ratio_description:
@@ -45,8 +45,12 @@ import HomeFilters from '../components/HomeFilters.vue'
 import HomeZones from '../components/HomeZones.vue'
 import ListingCard from '../components/ListingCard.vue'
 import { mapDistributionHomeBanners, useDistributionSiteStore } from '@/stores/distributionSite'
+import { useSessionStore } from '@/stores/session'
+import { canViewPremiumZone } from '@/shared/utils/growthLevel'

 const siteStore = useDistributionSiteStore()
+const session = useSessionStore()
+const canViewPremium = computed(() => canViewPremiumZone(session.renterGrowthLevel))

 const announcements = ref<string[]>(defaultHomeAnnouncements)
 const displayAnnouncements = computed(() => {
@@ -164,6 +168,14 @@ const activeZone = ref('all')
 const route = useRoute()
 const router = useRouter()

+watch(canViewPremium, allowed => {
+  if (!allowed && activeZone.value === 'premium') {
+    activeZone.value = 'all'
+  }
+  pcHomeCache.clearList()
+  void loadListingsPage(true)
+})
+
 const {
  filters,
  regionOptions,
@@ -191,6 +203,9 @@ const {
  restoreSnapshot,
  getSnapshot,
 } = useListingQuery(filters, sortBy, activeZone)
+const visibleListings = computed(() =>
+  canViewPremium.value ? listings.value : listings.value.filter(item => !item.is_premium)
+)

 watch(
  () => route.query,
@@ -206,26 +221,33 @@ watch(
  }
 )

-const statCards = computed(() => [
+const statCards = computed(() => {
+  const cards = [
    {
+      key: 'premium',
      label: '优质号主精选',
      value: `${zoneCount('premium')}`,
      hint: '认证优质号主 · 极品专区',
    },
-  { label: '可租账号', value: `${totalListings.value}`, hint: '当前筛选结果' },
+    { key: 'all', label: '可租账号', value: `${totalListings.value}`, hint: '当前筛选结果' },
    {
+      key: 'highCoin',
      label: '高哈夫币',
      value: `${zoneCount('highCoin')}`,
      hint: '100M 以上',
    },
    {
+      key: 'password',
      label: '账密登录',
      value: `${zoneCount('password')}`,
      hint: '交接更快',
    },
-])
+  ]
+  return canViewPremium.value ? cards : cards.filter(card => card.key !== 'premium')
+})

-const zoneOptions = computed(() => [
+const zoneOptions = computed(() => {
+  const zones = [
    {
      key: 'all',
      label: '全部专区',
@@ -268,7 +290,9 @@ const zoneOptions = computed(() => [
      hint: '100M 以上',
      count: zoneCount('highCoin'),
    },
-])
+  ]
+  return canViewPremium.value ? zones : zones.filter(zone => zone.key !== 'premium')
+})

 async function loadHome() {
  loading.value = true
@@ -360,7 +384,10 @@ function applyRouteQueryToHomeState() {
 }

 function desktopHomeStateSignature() {
-  return JSON.stringify(buildDesktopHomeQueryValues())
+  return JSON.stringify({
+    filters: buildDesktopHomeQueryValues(),
+    premiumAccess: canViewPremium.value,
+  })
 }

 function syncHomeQuery() {
@@ -652,7 +679,7 @@ if (!restored) {
        <el-empty v-else description="暂无展示图片" />
      </el-dialog>

-      <section class="premium-spotlight" aria-label="优质号主精选">
+      <section v-if="canViewPremium" class="premium-spotlight" aria-label="优质号主精选">
        <div class="premium-spotlight-mark">
          <el-icon :size="24"><Trophy /></el-icon>
        </div>
@@ -711,16 +738,16 @@ if (!restored) {
        </div>
      </div>

-      <div v-if="!loading && listings.length === 0" class="home-empty-state">
+      <div v-if="!loading && visibleListings.length === 0" class="home-empty-state">
        <strong>没有符合条件的账号</strong>
        <span>可以放宽筛选条件或切回全部专区。</span>
        <button type="button" @click="handleResetFilters">重置条件</button>
      </div>
      <div v-else v-loading="loading" class="enhanced-desktop-list">
-        <ListingCard v-for="item in listings" :key="item.id" :listing="item" />
+        <ListingCard v-for="item in visibleListings" :key="item.id" :listing="item" />
      </div>

-      <div v-if="!loading && listings.length" class="infinite-load-state">
+      <div v-if="!loading && visibleListings.length" class="infinite-load-state">
        <span v-if="loadingMore">正在加载更多账号...</span>
        <span v-else-if="!hasMoreListings">已经到底了</span>
      </div>
@@ -72,10 +72,12 @@ import {
 import { buildMobileHomeListSignature, useMobileHomeCacheStore } from '@/stores/mobileHomeCache'
 import { mapDistributionHomeBanners, useDistributionSiteStore } from '@/stores/distributionSite'
 import { useSessionStore } from '@/stores/session'
+import { canViewPremiumZone } from '@/shared/utils/growthLevel'

 const router = useRouter()
 const route = useRoute()
 const session = useSessionStore()
+const canViewPremium = computed(() => canViewPremiumZone(session.renterGrowthLevel))
 const siteStore = useDistributionSiteStore()
 const homeCache = useMobileHomeCacheStore()
 const { run: runBannerAction } = useBannerAction()
@@ -167,7 +169,7 @@ const sortOptions: MobileSortOption[] = [
  { key: 'published', label: '最新发布', shortLabel: '最新发布' },
 ]

-const zoneOptions = [
+const allZoneOptions = [
  { key: 'all', label: '全部', hint: '当前可租' },
  { key: 'premium', label: '极品', hint: '优质号主精选' },
  { key: 'sale', label: '特惠', hint: '价格更划算' },
@@ -176,6 +178,9 @@ const zoneOptions = [
  { key: 'password', label: '账密', hint: '交接更快' },
  { key: 'highCoin', label: '高币', hint: '100M以上' },
 ]
+const zoneOptions = computed(() =>
+  canViewPremium.value ? allZoneOptions : allZoneOptions.filter(zone => zone.key !== 'premium')
+)

 /** 统一使用领域层导出的预设区间，保证与桌面端完全一致 */
 const rangePresets = defaultRangePresets
@@ -321,18 +326,32 @@ const activeFilterCount = computed(() => {
 })

 const displayListings = computed(() => {
-  return listings.value
+  return canViewPremium.value ? listings.value : listings.value.filter(item => !item.is_premium)
 })

 const visibleZoneOptions = computed(() =>
-  zoneOptions.map(zone => ({
+  zoneOptions.value.map(zone => {
+    const count =
+      !canViewPremium.value && zone.key === 'all'
+        ? Math.max(Number(zoneCounts.value.all || 0) - Number(zoneCounts.value.premium || 0), 0)
+        : zoneCount(zone.key)
+    return {
      ...zone,
-    count: zoneCount(zone.key),
-  }))
+      count,
+    }
+  })
 )

 applyRouteQueryToMobileState()

+watch(canViewPremium, allowed => {
+  homeCache.clearList()
+  if (!allowed && activeZone.value === 'premium') {
+    activeZone.value = 'all'
+  }
+  void loadListings(true)
+})
+
 function currentListSignature() {
  return buildMobileHomeListSignature({
    searchValue: searchValue.value,
@@ -340,6 +359,7 @@ function currentListSignature() {
    activeZone: activeZone.value,
    selectedFilters: selectedFilters.value,
    rangeFilters: rangeFilters.value,
+    premiumAccess: canViewPremium.value,
  })
 }

@@ -675,7 +695,8 @@ function applyRouteQueryToMobileState() {
    : storedQuery
  const nextSearch = readQueryString(query, 'keyword')
  const nextSort = readQueryString(query, 'sort') || 'recommended'
-  const nextZone = readQueryString(query, 'zone') || 'all'
+  const requestedZone = readQueryString(query, 'zone') || 'all'
+  const nextZone = requestedZone === 'premium' && !canViewPremium.value ? 'all' : requestedZone
  const nextFilters = normalizeSelectedFilters(
    decodeHomeQueryJson<Record<string, unknown>>(query, 'filters', {})
  )
@@ -1008,6 +1029,7 @@ if (!restoreHomeConfigFromCache()) {
          </div>

          <button
+            v-if="canViewPremium"
            type="button"
            class="mobile-premium-spotlight"
            aria-label="进入优质号主极品专区"
@@ -15,11 +15,19 @@ export interface QualityOwnerStatus {
  required_deposit_cent: number
  insurance_fee_bps: number
  premium_insurance_fee_bps: number
+  agreement_title: string
+  agreement_content: string
+  agreement_read_seconds: number
 }

 export async function fetchQualityOwnerStatus() {
  const { data } = await apiClient.get<ApiResponse<QualityOwnerStatus>>('/quality-owner/status')
-  return data.data
+  return {
+    ...data.data,
+    agreement_title: data.data.agreement_title || '优质号主服务协议',
+    agreement_content: data.data.agreement_content || '',
+    agreement_read_seconds: Math.max(15, Number(data.data.agreement_read_seconds || 15)),
+  }
 }

 export async function activateQualityOwner() {
@@ -0,0 +1,79 @@
+<script setup lang="ts">
+import { computed } from 'vue'
+
+import AnnouncementContent from '@/features/announcement/components/AnnouncementContent.vue'
+import { renderAnnouncementMarkdown } from '@/features/announcement/utils/markdown'
+
+const props = defineProps<{ content: string }>()
+
+const html = computed(() => renderAnnouncementMarkdown(props.content))
+</script>
+
+<template>
+  <AnnouncementContent class="quality-owner-agreement-content" :html="html" />
+</template>
+
+<style scoped>
+.quality-owner-agreement-content {
+  color: #334155;
+  font-size: 13px;
+  line-height: 1.8;
+  overflow-wrap: anywhere;
+}
+
+.quality-owner-agreement-content :deep(h1),
+.quality-owner-agreement-content :deep(h2),
+.quality-owner-agreement-content :deep(h3) {
+  margin: 18px 0 8px;
+  color: #1f2937;
+  font-weight: 800;
+  line-height: 1.45;
+}
+
+.quality-owner-agreement-content :deep(p) {
+  margin: 8px 0;
+}
+
+.quality-owner-agreement-content :deep(ul),
+.quality-owner-agreement-content :deep(ol) {
+  margin: 8px 0;
+  padding-left: 22px;
+}
+
+.quality-owner-agreement-content :deep(table) {
+  display: block;
+  width: 100%;
+  max-width: 100%;
+  margin: 12px 0;
+  overflow-x: auto;
+  border-collapse: collapse;
+}
+
+.quality-owner-agreement-content :deep(th),
+.quality-owner-agreement-content :deep(td) {
+  min-width: 110px;
+  padding: 8px 10px;
+  border: 1px solid #e2e8f0;
+  text-align: left;
+  vertical-align: top;
+}
+
+.quality-owner-agreement-content :deep(th) {
+  background: #f8fafc;
+  color: #1f2937;
+  font-weight: 800;
+}
+
+@media (max-width: 640px) {
+  .quality-owner-agreement-content {
+    font-size: 12px;
+    line-height: 1.7;
+  }
+
+  .quality-owner-agreement-content :deep(th),
+  .quality-owner-agreement-content :deep(td) {
+    min-width: 96px;
+    padding: 7px 8px;
+  }
+}
+</style>
@@ -0,0 +1,69 @@
+import { afterEach, describe, expect, it, vi } from 'vitest'
+
+import type { QualityOwnerStatus } from '@/features/quality-owner/api/qualityOwner'
+import { useQualityOwnerAgreement } from '../useQualityOwnerAgreement'
+
+function status(readSeconds = 15): QualityOwnerStatus {
+  return {
+    user_id: 1,
+    active: false,
+    status: 'none',
+    can_cancel: false,
+    active_premium_listing_count: 0,
+    deposit_amount_cent: 0,
+    deposit_source: '',
+    available_balance_cent: 20000,
+    required_deposit_cent: 20000,
+    insurance_fee_bps: 800,
+    premium_insurance_fee_bps: 400,
+    agreement_title: '优质号主服务协议',
+    agreement_content: '协议正文',
+    agreement_read_seconds: readSeconds,
+  }
+}
+
+afterEach(() => {
+  vi.useRealTimers()
+})
+
+describe('useQualityOwnerAgreement', () => {
+  it('阅读满 15 秒且勾选后才能确认', async () => {
+    vi.useFakeTimers()
+    vi.setSystemTime(new Date('2026-11-05T00:00:00Z'))
+    const action = vi.fn()
+    const agreement = useQualityOwnerAgreement()
+
+    agreement.open(status(), action)
+    agreement.accepted.value = true
+    expect(agreement.canConfirm.value).toBe(false)
+
+    vi.advanceTimersByTime(14_999)
+    expect(agreement.remainingSeconds.value).toBe(1)
+    expect(agreement.canConfirm.value).toBe(false)
+
+    vi.advanceTimersByTime(1)
+    expect(agreement.remainingSeconds.value).toBe(0)
+    expect(agreement.canConfirm.value).toBe(true)
+
+    await agreement.confirm()
+    expect(action).toHaveBeenCalledOnce()
+    expect(agreement.visible.value).toBe(false)
+  })
+
+  it('关闭后重新打开会重新计时并清除同意状态', () => {
+    vi.useFakeTimers()
+    vi.setSystemTime(new Date('2026-11-05T00:00:00Z'))
+    const agreement = useQualityOwnerAgreement()
+
+    agreement.open(status(20), vi.fn())
+    agreement.accepted.value = true
+    vi.advanceTimersByTime(5000)
+    agreement.close()
+    agreement.open(status(), vi.fn())
+
+    expect(agreement.remainingSeconds.value).toBe(15)
+    expect(agreement.accepted.value).toBe(false)
+    expect(agreement.canConfirm.value).toBe(false)
+    agreement.close()
+  })
+})
@@ -0,0 +1,72 @@
+import { computed, getCurrentInstance, onUnmounted, ref } from 'vue'
+
+import type { QualityOwnerStatus } from '@/features/quality-owner/api/qualityOwner'
+
+type AgreementAction = () => void | Promise<void>
+
+export function useQualityOwnerAgreement() {
+  const visible = ref(false)
+  const accepted = ref(false)
+  const remainingSeconds = ref(0)
+  const totalSeconds = ref(15)
+  let pendingAction: AgreementAction | null = null
+  let startedAt = 0
+  let timer: ReturnType<typeof setInterval> | null = null
+
+  const canConfirm = computed(() => visible.value && accepted.value && remainingSeconds.value <= 0)
+
+  function stopTimer() {
+    if (timer) {
+      clearInterval(timer)
+      timer = null
+    }
+  }
+
+  function updateRemaining() {
+    const elapsed = Math.floor((Date.now() - startedAt) / 1000)
+    remainingSeconds.value = Math.max(totalSeconds.value - elapsed, 0)
+    if (remainingSeconds.value <= 0) stopTimer()
+  }
+
+  function open(status: QualityOwnerStatus, action: AgreementAction) {
+    stopTimer()
+    totalSeconds.value = Math.max(15, Math.floor(Number(status.agreement_read_seconds || 15)))
+    remainingSeconds.value = totalSeconds.value
+    startedAt = Date.now()
+    accepted.value = false
+    pendingAction = action
+    visible.value = true
+    timer = setInterval(updateRemaining, 250)
+  }
+
+  function close() {
+    stopTimer()
+    visible.value = false
+    accepted.value = false
+    remainingSeconds.value = 0
+    pendingAction = null
+  }
+
+  async function confirm() {
+    if (!canConfirm.value) return false
+    const action = pendingAction
+    close()
+    await action?.()
+    return true
+  }
+
+  if (getCurrentInstance()) {
+    onUnmounted(stopTimer)
+  }
+
+  return {
+    visible,
+    accepted,
+    remainingSeconds,
+    totalSeconds,
+    canConfirm,
+    open,
+    close,
+    confirm,
+  }
+}
@@ -37,7 +37,12 @@ import {
 } from '@/features/seller/composables/usePublishDraft'
 import type { PublishForm } from '@/shared/types/publish'
 import { yuanToCent } from '@/shared/utils/money'
-import { dailyLossOptions, formatNumber, roundRatio } from '@/shared/utils/pricing'
+import {
+  calculateInsuranceFeeAmount,
+  dailyLossOptions,
+  formatNumber,
+  roundRatio,
+} from '@/shared/utils/pricing'
 import { useDistributionSiteStore } from '@/stores/distributionSite'

 const draftSaveDelay = 400
@@ -113,6 +118,14 @@ export function usePublishForm(options: UsePublishFormOptions) {
    receiveCostDelta,
    isQualityOwner,
  })
+  const calculatedInsuranceFee = computed(() =>
+    form.compensation_plan === 'insurance'
+      ? calculateInsuranceFeeAmount(pricing.calculatedSellerPrice.value, insuranceFeeBps.value)
+      : 0
+  )
+  const calculatedTakeHomePrice = computed(() =>
+    Math.max(pricing.calculatedSellerPrice.value - calculatedInsuranceFee.value, 0)
+  )
  const qualityOwnerSaleRatioSelected = computed(
    () =>
      isQualityOwner.value &&
@@ -1033,6 +1046,8 @@ export function usePublishForm(options: UsePublishFormOptions) {
    isQualityOwnerExclusiveRatioActive,
    insuranceFeeBps,
    insuranceFeePercent,
+    calculatedInsuranceFee,
+    calculatedTakeHomePrice,
    virtualAssetSaleAgreementChecked,
    sellerAgreementChecked,
    passwordAndDeviceConfirmed,
@@ -837,6 +837,22 @@
  min-width: 0;
 }

+.deposit-heading .deposit-heading-title {
+  gap: 4px;
+}
+
+.deposit-guide-trigger {
+  display: inline-grid;
+  width: 22px;
+  height: 22px;
+  padding: 0;
+  place-items: center;
+  border: 0;
+  background: transparent;
+  color: #f97316;
+  font-size: 17px;
+}
+
 .deposit-heading b {
  color: #f04452;
  font-size: 13px;
@@ -1109,11 +1125,62 @@
  background: #faf5ff;
 }

+.take-home-preview {
+  display: grid;
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+  gap: 1px;
+  overflow: hidden;
+  border: 1px solid #e5e7eb;
+  border-radius: 8px;
+  background: #e5e7eb;
+}
+
+.take-home-preview > div {
+  display: grid;
+  align-content: center;
+  gap: 4px;
+  min-width: 0;
+  padding: 10px;
+  background: #fff;
+}
+
+.take-home-preview span {
+  color: #858c96;
+  font-size: 10px;
+  line-height: 1.4;
+}
+
+.take-home-preview strong {
+  overflow-wrap: anywhere;
+  color: #20242a;
+  font-size: 15px;
+  font-weight: 800;
+}
+
+.take-home-preview strong.is-deduction {
+  color: #c2410c;
+}
+
+.take-home-preview .take-home-net {
+  grid-column: 1 / -1;
+  background: #fff7ed;
+}
+
+.take-home-preview .take-home-net span {
+  color: #9a3412;
+}
+
+.take-home-preview .take-home-net strong {
+  color: #f97316;
+  font-size: 19px;
+}
+
 .coverage-note {
  margin: 0;
  color: #858c96;
  font-size: 10px;
  line-height: 1.55;
+  white-space: pre-line;
 }

 .publish-agreement-card {
@@ -34,6 +34,8 @@ const {
  qualityOwnerSaleRatio,
  minAcceleratedSaleRatio,
  insuranceFeePercent,
+  calculatedInsuranceFee,
+  calculatedTakeHomePrice,
  showBanRecordRiskHint,
  unlockDemulanEnabled,
  nextSeasonPassEnabled,
@@ -127,6 +129,16 @@ function openPublishAgreement(agreement: AgreementContent) {
  agreementPopupVisible.value = true
 }

+function showDepositGuide() {
+  if (!priceConfig.value.deposit_tooltip) return
+  void showDialog({
+    title: '押金说明',
+    message: priceConfig.value.deposit_tooltip,
+    messageAlign: 'left',
+    confirmButtonText: '我知道了',
+  })
+}
+
 function selectRadio<T extends string>(value: T, setter: (value: T) => void) {
  setter(value)
 }
@@ -687,7 +699,18 @@ const screenshotGuides: Record<string, string> = {
        <h2 class="section-title">押金与价格</h2>
        <div class="deposit-card">
          <label class="deposit-heading">
-            <span>押金<b>*</b></span>
+            <span class="deposit-heading-title">
+              押金<b>*</b>
+              <button
+                v-if="priceConfig.deposit_tooltip"
+                type="button"
+                class="deposit-guide-trigger"
+                aria-label="查看押金说明"
+                @click.prevent.stop="showDepositGuide"
+              >
+                <van-icon name="info-o" />
+              </button>
+            </span>
            <em v-if="priceConfig.deposit_hint">{{ priceConfig.deposit_hint }}</em>
          </label>
          <div class="deposit-input-wrap">
@@ -937,8 +960,34 @@ const screenshotGuides: Record<string, string> = {
              </em>
            </button>
          </div>
+          <div
+            class="take-home-preview"
+            :class="{ 'has-insurance': form.compensation_plan === 'insurance' }"
+          >
+            <div>
+              <span>卖家发布价格</span>
+              <strong>¥{{ formatMoney(calculatedSellerPrice) }}</strong>
+            </div>
+            <div>
+              <span v-if="form.compensation_plan === 'insurance'">
+                无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}%）
+              </span>
+              <span v-else>普通赔付</span>
+              <strong :class="{ 'is-deduction': form.compensation_plan === 'insurance' }">
+                {{
+                  form.compensation_plan === 'insurance'
+                    ? `-¥${formatMoney(calculatedInsuranceFee)}`
+                    : '¥0.0'
+                }}
+              </strong>
+            </div>
+            <div class="take-home-net">
+              <span>预计到手价格</span>
+              <strong>¥{{ formatMoney(calculatedTakeHomePrice) }}</strong>
+            </div>
+          </div>
          <p class="coverage-note">
-            无忧租号保险在普通赔付基础上增加账号市场价值保障，服务费按实际到手租金扣除。
+            {{ priceConfig.compensation_note }}
          </p>
        </div>

@@ -164,6 +164,44 @@
  align-items: center;
 }

+.deposit-label-title {
+  display: inline-flex;
+  align-items: center;
+  gap: 3px;
+}
+
+.deposit-guide-trigger {
+  display: inline-grid;
+  width: 18px;
+  height: 18px;
+  padding: 0;
+  place-items: center;
+  border: 0;
+  background: transparent;
+  color: var(--color-orange-primary);
+  cursor: help;
+}
+
+.deposit-guide-trigger:hover,
+.deposit-guide-trigger:focus-visible {
+  color: var(--color-orange-dark);
+  outline: none;
+}
+
+.deposit-guide-content {
+  max-height: min(62vh, 560px);
+  overflow-y: auto;
+  color: #3f4753;
+  font-size: 13px;
+  line-height: 1.75;
+  white-space: pre-wrap;
+}
+
+:global(.deposit-guide-popper.el-popover) {
+  max-width: min(560px, calc(100vw - 32px));
+  padding: 14px 16px;
+}
+
 .deposit-label em {
  display: inline-flex;
  align-items: center;
@@ -923,6 +961,10 @@
  text-align: right;
 }

+.summary-breakdown strong.is-deduction {
+  color: #c2410c;
+}
+
 .summary-list {
  display: grid;
  gap: 8px;
@@ -1256,12 +1298,63 @@
  box-shadow: 0 0 0 1px rgba(124, 58, 237, 0.08);
 }

+.take-home-preview {
+  display: grid;
+  grid-template-columns: repeat(3, minmax(0, 1fr));
+  gap: 1px;
+  overflow: hidden;
+  border: 1px solid #e5e7eb;
+  border-radius: 9px;
+  background: #e5e7eb;
+}
+
+.take-home-preview > div {
+  display: grid;
+  align-content: center;
+  gap: 6px;
+  min-width: 0;
+  padding: 12px 14px;
+  background: #fff;
+}
+
+.take-home-preview span {
+  color: #6b7280;
+  font-size: 11px;
+  font-weight: 700;
+  line-height: 1.45;
+}
+
+.take-home-preview strong {
+  overflow-wrap: anywhere;
+  color: #1f2937;
+  font-size: 17px;
+  font-weight: 900;
+}
+
+.take-home-preview strong.is-deduction {
+  color: #c2410c;
+}
+
+.take-home-preview .take-home-net {
+  background: #fff7ed;
+}
+
+.take-home-preview .take-home-net span {
+  color: #9a3412;
+}
+
+.take-home-preview .take-home-net strong {
+  color: var(--color-orange-primary);
+  font-size: 21px;
+}
+
 .coverage-note {
  margin: 0;
  color: #7b8492;
  font-size: 12px;
  font-weight: 600;
  line-height: 1.7;
+  white-space: pre-line;
 }

@media (max-width: 1120px) {
@@ -1350,4 +1443,12 @@
  .coverage-option-grid {
    grid-template-columns: 1fr;
  }
+
+  .take-home-preview {
+    grid-template-columns: repeat(2, minmax(0, 1fr));
+  }
+
+  .take-home-preview .take-home-net {
+    grid-column: 1 / -1;
+  }
 }
@@ -3,6 +3,7 @@ import {
  ArrowRight,
  Delete,
  DocumentChecked,
+  InfoFilled,
  Picture,
  RefreshRight,
  UploadFilled,
@@ -33,6 +34,8 @@ const {
  qualityOwnerSaleRatio,
  minAcceleratedSaleRatio,
  insuranceFeePercent,
+  calculatedInsuranceFee,
+  calculatedTakeHomePrice,
  virtualAssetSaleAgreementChecked,
  sellerAgreementChecked,
  passwordAndDeviceConfirmed,
@@ -542,10 +545,26 @@ function selectDailyLoss(value: string | number) {
        <PublishSection title="押金与价格" description="系统按资料自动计算售价">
          <div class="compact-grid two">
            <label class="input-block">
-              <span class="deposit-label"
-                >押金<b>*</b
-                ><em v-if="priceConfig.deposit_hint">{{ priceConfig.deposit_hint }}</em></span
+              <span class="deposit-label">
+                <span class="deposit-label-title">
+                  押金<b>*</b>
+                  <el-popover
+                    v-if="priceConfig.deposit_tooltip"
+                    placement="top-start"
+                    :width="560"
+                    trigger="hover"
+                    popper-class="deposit-guide-popper"
                  >
+                    <template #reference>
+                      <button type="button" class="deposit-guide-trigger" aria-label="查看押金说明">
+                        <el-icon><InfoFilled /></el-icon>
+                      </button>
+                    </template>
+                    <div class="deposit-guide-content">{{ priceConfig.deposit_tooltip }}</div>
+                  </el-popover>
+                </span>
+                <em v-if="priceConfig.deposit_hint">{{ priceConfig.deposit_hint }}</em>
+              </span>
              <div class="deposit-control">
                <el-input-number
                  v-model="form.depositAmountYuan"
@@ -766,8 +785,34 @@ function selectDailyLoss(value: string | number) {
                </em>
              </button>
            </div>
+            <div
+              class="take-home-preview"
+              :class="{ 'has-insurance': form.compensation_plan === 'insurance' }"
+            >
+              <div>
+                <span>卖家发布价格</span>
+                <strong>¥{{ formatMoney(calculatedSellerPrice) }}</strong>
+              </div>
+              <div>
+                <span v-if="form.compensation_plan === 'insurance'">
+                  无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}%）
+                </span>
+                <span v-else>普通赔付</span>
+                <strong :class="{ 'is-deduction': form.compensation_plan === 'insurance' }">
+                  {{
+                    form.compensation_plan === 'insurance'
+                      ? `-¥${formatMoney(calculatedInsuranceFee)}`
+                      : '¥0.0'
+                  }}
+                </strong>
+              </div>
+              <div class="take-home-net">
+                <span>预计到手价格</span>
+                <strong>¥{{ formatMoney(calculatedTakeHomePrice) }}</strong>
+              </div>
+            </div>
            <p class="coverage-note">
-              普通赔付覆盖封禁、追回、洗号等情况；无忧租号保险在此基础上增加账号市场价值保障。
+              {{ priceConfig.compensation_note }}
            </p>
          </div>

@@ -786,13 +831,17 @@ function selectDailyLoss(value: string | number) {
      <aside class="summary-column">
        <div class="summary-panel">
          <div class="summary-main">
-            <span>卖家发布价格</span>
+            <span>预计到手价格</span>
            <strong>{{
-              calculatedSellerPrice ? `¥${formatMoney(calculatedSellerPrice)}` : '--'
+              calculatedTakeHomePrice ? `¥${formatMoney(calculatedTakeHomePrice)}` : '--'
            }}</strong>
          </div>
          <div class="summary-breakdown">
            <div class="summary-breakdown-title">价格明细</div>
+            <div>
+              <span>卖家发布价格</span>
+              <strong>¥{{ formatMoney(calculatedSellerPrice) }}</strong>
+            </div>
            <div>
              <span>纯币价格</span>
              <strong>{{
@@ -803,6 +852,10 @@ function selectDailyLoss(value: string | number) {
              <span>额外物品价格</span>
              <strong>¥{{ formatMoney(calculatedConsumablePrice) }}</strong>
            </div>
+            <div v-if="form.compensation_plan === 'insurance'">
+              <span>无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}%）</span>
+              <strong class="is-deduction">-¥{{ formatMoney(calculatedInsuranceFee) }}</strong>
+            </div>
            <div>
              <span>押金价格</span>
              <strong>{{
@@ -0,0 +1,13 @@
+import { describe, expect, it } from 'vitest'
+
+import { canViewPremiumZone } from '../growthLevel'
+
+describe('canViewPremiumZone', () => {
+  it('仅铂金及以上等级可以查看极品专区', () => {
+    expect(canViewPremiumZone('normal')).toBe(false)
+    expect(canViewPremiumZone('')).toBe(false)
+    expect(canViewPremiumZone('platinum')).toBe(true)
+    expect(canViewPremiumZone('diamond')).toBe(true)
+    expect(canViewPremiumZone('peak')).toBe(true)
+  })
+})
@@ -0,0 +1,21 @@
+import { describe, expect, it } from 'vitest'
+
+import { calculateInsuranceFeeAmount } from '../pricing'
+
+describe('calculateInsuranceFeeAmount', () => {
+  it('普通赔付不收取保险服务费', () => {
+    expect(calculateInsuranceFeeAmount(238.1, 0)).toBe(0)
+  })
+
+  it('按普通保险费率计算并四舍五入到分', () => {
+    expect(calculateInsuranceFeeAmount(238.1, 800)).toBe(19.05)
+  })
+
+  it('按极品专区专享费率计算', () => {
+    expect(calculateInsuranceFeeAmount(238.1, 400)).toBe(9.52)
+  })
+
+  it('保险服务费不超过卖家租金', () => {
+    expect(calculateInsuranceFeeAmount(1, 10_000)).toBe(1)
+  })
+})
@@ -29,6 +29,7 @@ export const AUDIT_ACTION_OPTIONS: AuditOption[] = [
  { value: 'admin_user.revoke_realname', label: '撤销实名', group: '用户', highRisk: true },
  { value: 'admin_user.wallet_adjust', label: '调整用户余额', group: '用户', highRisk: true },
  { value: 'admin_user.set_quality_owner', label: '设置优质号主', group: '用户', highRisk: true },
+  { value: 'admin_user.adjust_growth_level', label: '调整成长等级', group: '用户', highRisk: true },
  { value: 'quality_owner.activate', label: '缴纳优质号主保证金', group: '用户', highRisk: true },
  { value: 'quality_owner.cancel', label: '取消优质号主', group: '用户', highRisk: true },
  // 商品
@@ -0,0 +1,5 @@
+const premiumZoneLevels = new Set(['platinum', 'diamond', 'peak'])
+
+export function canViewPremiumZone(levelCode: string | undefined | null) {
+  return premiumZoneLevels.has(String(levelCode || '').trim())
+}
@@ -26,6 +26,13 @@ export function roundMoney(value: number) {
  return Math.round(value * 10) / 10
 }

+export function calculateInsuranceFeeAmount(ownerIncomeYuan: number, feeBps: number) {
+  const ownerIncomeCent = Math.max(Math.round(Number(ownerIncomeYuan || 0) * 100), 0)
+  const safeFeeBps = Math.max(Math.round(Number(feeBps || 0)), 0)
+  if (ownerIncomeCent <= 0 || safeFeeBps <= 0) return 0
+  return Math.min(Math.round((ownerIncomeCent * safeFeeBps) / 10_000), ownerIncomeCent) / 100
+}
+
 /**
 * 将比例四舍五入到一位小数
 */
@@ -24,6 +24,7 @@ export function buildMobileHomeListSignature(input: {
  activeZone: string
  selectedFilters: Record<string, string[]>
  rangeFilters: MobileHomeRangeFilters
+  premiumAccess: boolean
 }) {
  return JSON.stringify({
    keyword: input.searchValue.trim(),
@@ -31,6 +32,7 @@ export function buildMobileHomeListSignature(input: {
    zone: input.activeZone,
    selected: input.selectedFilters,
    ranges: input.rangeFilters,
+    premiumAccess: input.premiumAccess,
  })
 }
Author	SHA1	Message	Date
yml2213	88beae4c96	feat(listing): 增加赔付方案说明配置	2026-11-05 12:14:25 +08:00
yml2213	16f87d4123	fix(systemconfig): 保留发布选项版本避免开关重置	2026-11-05 12:02:53 +08:00
yml2213	0d558bdce0	feat(user): 支持后台调整等级并限制极品专区可见性	2026-11-05 12:02:48 +08:00
yml2213	09f244a93d	feat(quality-owner): 增加开通协议与强制阅读	2026-11-05 11:45:02 +08:00
yml2213	15030237c4	feat(listing): 增加押金说明配置与悬浮提示	2026-11-05 11:44:49 +08:00
yml2213	6355ca21b0	feat(listing): 展示保险后预计到手价	2026-11-04 21:36:13 +08:00
yml2213	12e9b6d0b2	fix(rentergrowth): 移除冗余空值判断	2026-11-04 21:36:05 +08:00