diff --git a/frontend/src/views/account/WalletView.vue b/frontend/src/views/account/WalletView.vue
index 79135ab..5a18101 100644
--- a/frontend/src/views/account/WalletView.vue
+++ b/frontend/src/views/account/WalletView.vue
@@ -1,6 +1,7 @@
 <script setup lang="ts">
-import { onBeforeUnmount, onMounted, ref } from 'vue'
+import { computed, onBeforeUnmount, onMounted, ref } from 'vue'
 import { ElMessage } from 'element-plus'
+import { CircleCheck, CreditCard, Loading, Lock, Money, Refresh, Tickets, Wallet as WalletIcon } from '@element-plus/icons-vue'
 import QRCode from 'qrcode'
 
 import {
@@ -30,6 +31,37 @@ const qrGenerating = ref(false)
 const checkingRecharge = ref(false)
 let rechargePollingTimer: number | undefined
 
+const quickRechargeAmounts = [50, 100, 200, 500]
+
+const walletMetrics = computed(() => {
+  if (!account.value) {
+    return []
+  }
+  return [
+    {
+      label: '可用余额',
+      value: formatMoney(account.value.available_balance),
+      hint: '可用于支付租号订单',
+      icon: WalletIcon,
+      tone: 'available',
+    },
+    {
+      label: '冻结余额',
+      value: formatMoney(account.value.frozen_balance),
+      hint: '订单押金与待结算金额',
+      icon: Lock,
+      tone: 'frozen',
+    },
+    {
+      label: '账户状态',
+      value: walletStatusLabel(account.value.status),
+      hint: account.value.status === 'active' ? '钱包可正常使用' : '请联系客服处理',
+      icon: CircleCheck,
+      tone: account.value.status === 'active' ? 'status' : 'warning',
+    },
+  ]
+})
+
 onMounted(loadWallet)
 onBeforeUnmount(stopRechargePolling)
 
@@ -71,6 +103,10 @@ async function handleRecharge() {
   }
 }
 
+function handleWithdraw() {
+  ElMessage.info('提现功能待实现')
+}
+
 function showRechargePaymentDialog(payment: PaymentOrder) {
   activeRechargePayment.value = payment
   rechargeDialogVisible.value = true
@@ -163,53 +199,164 @@ function readError(error: unknown, fallback: string) {
   }
   return fallback
 }
+
+function formatMoney(value: number) {
+  return `¥${Number(value || 0).toFixed(2)}`
+}
+
+function pickQuickRecharge(amount: number) {
+  rechargeAmount.value = amount
+}
+
+function walletBizTypeLabel(type: string) {
+  const map: Record<string, string> = {
+    dev_recharge: '测试充值',
+    channel_recharge: '渠道充值',
+    order_pay: '订单支付',
+    order_lock: '订单冻结',
+    channel_order_lock: '支付冻结',
+    order_cancel: '取消解冻',
+    order_cancel_refund: '取消退款',
+    admin_order_close: '客服关闭解冻',
+    admin_order_close_refund: '客服关闭退款',
+    order_settle: '订单结算',
+    owner_income: '号主收入',
+    deposit_compensation: '押金赔付',
+    rent_refund: '租金退款',
+    deposit_release: '押金释放',
+    arbitration_release_frozen: '仲裁解冻',
+    arbitration_renter_refund: '仲裁退款',
+    arbitration_owner_income: '仲裁收入',
+  }
+  return map[type] || type || '-'
+}
+
+function directionTone(direction: string) {
+  const map: Record<string, string> = {
+    in: 'success',
+    out: 'danger',
+    freeze: 'warning',
+    unfreeze: 'info',
+  }
+  return map[direction] || 'info'
+}
+
+function amountPrefix(direction: string) {
+  if (direction === 'in' || direction === 'unfreeze') return '+'
+  if (direction === 'out' || direction === 'freeze') return '-'
+  return ''
+}
 </script>
 
 <template>
-  <section class="page" v-loading="loading">
-    <div class="page-header">
-      <p class="eyebrow">Wallet</p>
-      <h1>钱包</h1>
-      <p>查看可用余额、冻结余额和资金流水。</p>
-    </div>
-
-    <div v-if="account" class="metric-grid">
-      <div class="metric-card">
-        <span>可用余额</span>
-        <strong>¥{{ account.available_balance }}</strong>
+  <section class="page wallet-page" v-loading="loading">
+    <div class="wallet-hero">
+      <div class="page-header">
+        <p class="eyebrow">我的钱包</p>
+        <h1>资金账户</h1>
+        <p>查看余额、充值和每一笔资金变化，订单押金与租金都会记录在这里。</p>
       </div>
-      <div class="metric-card">
-        <span>冻结余额</span>
-        <strong>¥{{ account.frozen_balance }}</strong>
-      </div>
-      <div class="metric-card">
-        <span>状态</span>
-        <strong>{{ walletStatusLabel(account.status) }}</strong>
+      <div class="wallet-hero-action">
+        <span>当前可用</span>
+        <strong>{{ account ? formatMoney(account.available_balance) : '¥0.00' }}</strong>
+        <el-button class="withdraw-button" :icon="Money" @click="handleWithdraw">申请提现</el-button>
       </div>
     </div>
 
-    <div class="table-panel recharge-panel">
-      <h2>支付充值</h2>
-      <el-input-number v-model="rechargeAmount" :min="0.01" :step="0.01" :precision="2" controls-position="right" />
-      <el-button type="primary" :loading="recharging" @click="handleRecharge">发起充值</el-button>
+    <div v-if="account" class="wallet-metric-grid">
+      <div v-for="item in walletMetrics" :key="item.label" class="wallet-metric-card" :class="`is-${item.tone}`">
+        <div class="metric-icon">
+          <el-icon><component :is="item.icon" /></el-icon>
+        </div>
+        <div>
+          <span>{{ item.label }}</span>
+          <strong>{{ item.value }}</strong>
+          <small>{{ item.hint }}</small>
+        </div>
+      </div>
     </div>
 
-    <el-table class="table-panel" :data="ledger">
-      <el-table-column prop="ledger_no" label="流水号" min-width="220" />
-      <el-table-column prop="biz_type" label="业务" width="140" />
-      <el-table-column label="方向" width="80">
-        <template #default="{ row }">{{ ledgerDirectionLabel(row.direction) }}</template>
-      </el-table-column>
-      <el-table-column prop="amount" label="金额" width="100" />
-      <el-table-column label="余额类型" width="110">
-        <template #default="{ row }">{{ balanceTypeLabel(row.balance_type) }}</template>
-      </el-table-column>
-      <el-table-column prop="balance_after" label="变化后余额" width="130" />
-      <el-table-column prop="remark" label="备注" min-width="220" />
-      <el-table-column label="时间" width="180">
-        <template #default="{ row }">{{ formatDateTime(row.created_at) }}</template>
-      </el-table-column>
-    </el-table>
+    <div class="wallet-workspace">
+      <section class="recharge-panel">
+        <div class="panel-title">
+          <div class="panel-title-icon">
+            <el-icon><CreditCard /></el-icon>
+          </div>
+          <div>
+            <h2>钱包充值</h2>
+            <p>充值成功后会自动入账到可用余额。</p>
+          </div>
+        </div>
+        <div class="quick-amounts">
+          <button
+            v-for="amount in quickRechargeAmounts"
+            :key="amount"
+            type="button"
+            :class="{ active: rechargeAmount === amount }"
+            @click="pickQuickRecharge(amount)"
+          >
+            {{ formatMoney(amount) }}
+          </button>
+        </div>
+        <div class="recharge-action-row">
+          <el-input-number
+            v-model="rechargeAmount"
+            :min="0.01"
+            :step="0.01"
+            :precision="2"
+            controls-position="right"
+          />
+          <el-button type="primary" :icon="CreditCard" :loading="recharging" @click="handleRecharge">发起充值</el-button>
+        </div>
+      </section>
+
+      <section class="ledger-summary-card">
+        <div class="panel-title">
+          <div class="panel-title-icon is-blue">
+            <el-icon><Tickets /></el-icon>
+          </div>
+          <div>
+            <h2>资金流水</h2>
+            <p>共 {{ total }} 条记录，最近变动优先展示。</p>
+          </div>
+        </div>
+        <el-button :icon="Refresh" :loading="loading" @click="loadWallet">刷新</el-button>
+      </section>
+    </div>
+
+    <section class="wallet-ledger-table" role="table" aria-label="资金流水">
+      <div class="ledger-grid ledger-header" role="row">
+        <span role="columnheader">流水号</span>
+        <span role="columnheader">业务</span>
+        <span role="columnheader">方向</span>
+        <span class="align-right" role="columnheader">金额</span>
+        <span role="columnheader">余额类型</span>
+        <span class="align-right" role="columnheader">变化后余额</span>
+        <span role="columnheader">备注</span>
+        <span role="columnheader">时间</span>
+      </div>
+      <div v-if="ledger.length === 0" class="ledger-empty">暂无资金流水</div>
+      <div v-else class="ledger-body">
+        <div v-for="row in ledger" :key="row.id" class="ledger-grid ledger-row" role="row">
+          <span class="ledger-cell ledger-no" :title="row.ledger_no">{{ row.ledger_no }}</span>
+          <span class="ledger-cell">
+            <el-tag effect="plain" class="biz-tag">{{ walletBizTypeLabel(row.biz_type) }}</el-tag>
+          </span>
+          <span class="ledger-cell">
+            <el-tag :type="directionTone(row.direction)" effect="light" round>
+              {{ ledgerDirectionLabel(row.direction) }}
+            </el-tag>
+          </span>
+          <span class="ledger-cell align-right amount-cell" :class="`is-${row.direction}`">
+            {{ amountPrefix(row.direction) }}{{ formatMoney(row.amount) }}
+          </span>
+          <span class="ledger-cell muted-cell">{{ balanceTypeLabel(row.balance_type) }}</span>
+          <span class="ledger-cell align-right">{{ formatMoney(row.balance_after) }}</span>
+          <span class="ledger-cell" :title="row.remark">{{ row.remark || '-' }}</span>
+          <span class="ledger-cell">{{ formatDateTime(row.created_at) }}</span>
+        </div>
+      </div>
+    </section>
 
     <div class="pagination-wrap" v-if="total > 0">
       <el-pagination
@@ -235,7 +382,7 @@ function readError(error: unknown, fallback: string) {
       <div v-if="activeRechargePayment" class="pay-dialog-body">
         <div class="pay-summary">
           <span>充值金额</span>
-          <strong>¥{{ (activeRechargePayment.amount_cent / 100).toFixed(2) }}</strong>
+          <strong>{{ formatMoney(activeRechargePayment.amount_cent / 100) }}</strong>
         </div>
         <div v-if="rechargePayURL()" class="pay-qr-panel">
           <div class="pay-qr-box">
@@ -259,17 +406,330 @@ function readError(error: unknown, fallback: string) {
 </template>
 
 <style scoped>
-.recharge-panel {
+.wallet-page {
+  display: grid;
+  gap: 18px;
+}
+
+.wallet-hero {
+  display: flex;
+  align-items: flex-end;
+  justify-content: space-between;
+  gap: 24px;
+  padding: 28px;
+  border: 1px solid #e6eaf2;
+  border-radius: 8px;
+  background:
+    linear-gradient(135deg, rgba(255, 122, 0, 0.08), rgba(15, 118, 110, 0.06)),
+    #ffffff;
+  box-shadow: 0 14px 36px rgba(17, 24, 39, 0.06);
+}
+
+.wallet-hero :deep(.page-header) {
+  max-width: 780px;
+}
+
+.wallet-hero-action {
+  min-width: 220px;
+  padding: 16px 18px;
+  border: 1px solid rgba(255, 122, 0, 0.18);
+  border-radius: 8px;
+  background: rgba(255, 255, 255, 0.78);
+  text-align: right;
+}
+
+.wallet-hero-action span {
+  display: block;
+  color: #6b7280;
+  font-size: 13px;
+}
+
+.wallet-hero-action strong {
+  display: block;
+  margin-top: 6px;
+  color: #111a44;
+  font-size: 28px;
+  line-height: 1.15;
+}
+
+.withdraw-button {
+  width: 100%;
+  margin-top: 14px;
+}
+
+.wallet-metric-grid {
+  display: grid;
+  grid-template-columns: repeat(3, minmax(0, 1fr));
+  gap: 16px;
+}
+
+.wallet-metric-card {
+  display: flex;
+  align-items: center;
+  gap: 16px;
+  min-height: 120px;
+  padding: 20px;
+  border: 1px solid #e6eaf2;
+  border-radius: 8px;
+  background: #ffffff;
+  box-shadow: 0 12px 30px rgba(17, 24, 39, 0.05);
+}
+
+.metric-icon {
+  display: grid;
+  flex: 0 0 46px;
+  width: 46px;
+  height: 46px;
+  place-items: center;
+  border-radius: 8px;
+  color: #ffffff;
+  font-size: 22px;
+}
+
+.wallet-metric-card.is-available .metric-icon {
+  background: #ff6b00;
+}
+
+.wallet-metric-card.is-frozen .metric-icon {
+  background: #3b82f6;
+}
+
+.wallet-metric-card.is-status .metric-icon {
+  background: #0f766e;
+}
+
+.wallet-metric-card.is-warning .metric-icon {
+  background: #d97706;
+}
+
+.wallet-metric-card span,
+.wallet-metric-card small {
+  display: block;
+  color: #64748b;
+}
+
+.wallet-metric-card span {
+  font-size: 13px;
+  font-weight: 600;
+}
+
+.wallet-metric-card strong {
+  display: block;
+  margin-top: 8px;
+  color: #111a44;
+  font-size: 26px;
+  line-height: 1.1;
+}
+
+.wallet-metric-card small {
+  margin-top: 8px;
+  font-size: 12px;
+}
+
+.wallet-workspace {
+  display: grid;
+  grid-template-columns: minmax(420px, 1.1fr) minmax(320px, 0.9fr);
+  gap: 16px;
+}
+
+.recharge-panel,
+.ledger-summary-card {
+  display: grid;
+  gap: 18px;
+  padding: 20px;
+  border: 1px solid #e6eaf2;
+  border-radius: 8px;
+  background: #ffffff;
+  box-shadow: 0 12px 30px rgba(17, 24, 39, 0.05);
+}
+
+.ledger-summary-card {
+  align-content: space-between;
+}
+
+.ledger-summary-card :deep(.el-button) {
+  justify-self: start;
+  min-width: 118px;
+}
+
+.panel-title {
   display: flex;
   align-items: center;
   gap: 12px;
-  margin-bottom: 16px;
-  padding: 16px;
 }
 
-.recharge-panel h2 {
+.panel-title-icon {
+  display: grid;
+  flex: 0 0 40px;
+  width: 40px;
+  height: 40px;
+  place-items: center;
+  border-radius: 8px;
+  background: #fff4ec;
+  color: #ff6b00;
+  font-size: 20px;
+}
+
+.panel-title-icon.is-blue {
+  background: #eff6ff;
+  color: #2563eb;
+}
+
+.panel-title h2 {
   margin: 0;
-  font-size: 16px;
+  color: #111827;
+  font-size: 17px;
+}
+
+.panel-title p {
+  margin: 5px 0 0;
+  color: #64748b;
+  font-size: 13px;
+}
+
+.quick-amounts {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 10px;
+}
+
+.quick-amounts button {
+  min-width: 92px;
+  height: 36px;
+  border: 1px solid #d8dee9;
+  border-radius: 8px;
+  background: #f8fafc;
+  color: #334155;
+  font-weight: 600;
+  cursor: pointer;
+}
+
+.quick-amounts button.active,
+.quick-amounts button:hover {
+  border-color: #ff8a3d;
+  background: #fff4ec;
+  color: #ea580c;
+}
+
+.recharge-action-row {
+  display: flex;
+  flex-wrap: wrap;
+  align-items: center;
+  gap: 12px;
+}
+
+.wallet-ledger-table {
+  overflow-x: auto;
+  border: 1px solid #e6eaf2;
+  border-radius: 8px;
+  background: #ffffff;
+  box-shadow: 0 12px 30px rgba(17, 24, 39, 0.05);
+}
+
+.ledger-grid {
+  display: grid;
+  grid-template-columns:
+    minmax(200px, 2fr)
+    minmax(100px, 0.8fr)
+    minmax(80px, 0.6fr)
+    minmax(100px, 0.8fr)
+    minmax(100px, 0.8fr)
+    minmax(120px, 0.9fr)
+    minmax(140px, 1.2fr)
+    minmax(170px, 1.1fr);
+  align-items: center;
+  column-gap: clamp(10px, 1vw, 20px);
+  padding: 0 clamp(16px, 1.5vw, 24px);
+}
+
+.ledger-header {
+  min-height: 48px;
+  border-bottom: 1px solid #e6eaf2;
+  background: #f8fafc;
+  color: #64748b;
+  font-size: 13px;
+  font-weight: 700;
+}
+
+.ledger-header span {
+  text-align: center;
+}
+
+.ledger-header span.align-right {
+  text-align: right;
+}
+
+.ledger-row {
+  min-height: 54px;
+  border-bottom: 1px solid #edf1f6;
+  color: #334155;
+  font-size: 14px;
+  transition: background 0.15s ease;
+}
+
+.ledger-row:last-child {
+  border-bottom: 0;
+}
+
+.ledger-row:hover {
+  background: #f8fafc;
+}
+
+.ledger-cell {
+  min-width: 0;
+  overflow: hidden;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+  text-align: center;
+}
+
+.ledger-cell.align-right {
+  text-align: right;
+}
+
+.ledger-no {
+  color: #475569;
+  font-family: 'SF Mono', 'Menlo', 'Consolas', monospace;
+  font-size: 12px;
+  letter-spacing: 0.02em;
+  text-align: center;
+}
+
+.align-right {
+  text-align: right;
+}
+
+.ledger-empty {
+  display: grid;
+  min-height: 80px;
+  place-items: center;
+  border-top: 1px solid #edf1f6;
+  color: #94a3b8;
+  font-size: 14px;
+}
+
+.biz-tag {
+  max-width: 96px;
+  height: 24px;
+  line-height: 22px;
+}
+
+.amount-cell {
+  font-weight: 700;
+}
+
+.amount-cell.is-in,
+.amount-cell.is-unfreeze {
+  color: #047857;
+}
+
+.amount-cell.is-out,
+.amount-cell.is-freeze {
+  color: #dc2626;
+}
+
+.muted-cell {
+  color: #64748b;
 }
 
 .pay-dialog-body {
@@ -352,10 +812,62 @@ function readError(error: unknown, fallback: string) {
 }
 
 @media (max-width: 720px) {
+  .wallet-hero {
+    display: grid;
+    padding: 20px;
+  }
+
+  .wallet-hero-action {
+    min-width: 0;
+    text-align: left;
+  }
+
+  .wallet-metric-grid,
+  .wallet-workspace {
+    grid-template-columns: 1fr;
+  }
+
+  .wallet-metric-card {
+    min-height: auto;
+  }
+
+  .recharge-action-row :deep(.el-input-number) {
+    width: 100%;
+  }
+
+  .recharge-action-row :deep(.el-button) {
+    width: 100%;
+  }
+
   .pay-qr-panel {
     grid-template-columns: 1fr;
     justify-items: center;
     text-align: center;
   }
+
+  .ledger-grid {
+    grid-template-columns:
+      minmax(160px, 1.5fr)
+      minmax(80px, 0.8fr)
+      minmax(64px, 0.6fr)
+      minmax(80px, 0.8fr)
+      minmax(80px, 0.8fr)
+      minmax(100px, 0.9fr)
+      minmax(120px, 1fr)
+      minmax(140px, 1fr);
+    column-gap: 8px;
+    padding: 0 12px;
+    font-size: 13px;
+  }
+
+  .ledger-header {
+    min-height: 40px;
+    font-size: 12px;
+  }
+
+  .ledger-row {
+    min-height: 48px;
+    font-size: 13px;
+  }
 }
 </style>