diff --git a/apps/backend/src/services/worker-platform/worker-finance-request-service.ts b/apps/backend/src/services/worker-platform/worker-finance-request-service.ts
new file mode 100644
index 00000000..f6701d15
--- /dev/null
+++ b/apps/backend/src/services/worker-platform/worker-finance-request-service.ts
@@ -0,0 +1,245 @@
+import {
+  countWorkerWithdrawRequestsOnDay,
+  createWorkerFinanceRequest,
+  getWorkerFinanceRequestSummary,
+  getWorkerWithdrawalAccount,
+  listDueDepositUnfreezes,
+  releaseDepositUnfreeze,
+} from '../../repositories/worker-platform/index.js'
+import type { JsonObject } from '../../types/json.js'
+import { createHttpError } from '../../utils/http.js'
+import { nowIso } from '../../utils/time.js'
+import {
+  createWorkerRechargeAdminNotification,
+  createWorkerWithdrawAdminNotification,
+} from '../admin/admin-notification-service.js'
+import {
+  publishWorkerFinanceRealtimeChange,
+  publishWorkerWalletRealtimeChange,
+} from '../realtime/realtime-event-service.js'
+import {
+  assertWithdrawChannelAllowedForAmount,
+  mapFinanceRequest,
+  normalizeAmountFen,
+  normalizeProofFiles,
+  normalizeWithdrawChannel,
+} from './mappers.js'
+import { getWorkerFinanceConfig } from './worker-finance-config-service.js'
+import {
+  resolveAlipayWithdrawalQrCode,
+  resolveWechatWithdrawalQrCode,
+} from './worker-withdrawal-account-service.js'
+import { getRequiredWorker, requireActiveWorkerSession, type WorkerSession } from './worker-session-context-service.js'
+
+const WORKER_DAILY_WITHDRAW_LIMIT = 3
+
+export async function createWorkerRechargeRequest(
+  payload: JsonObject = {},
+  session: WorkerSession,
+) {
+  requireActiveWorkerSession(session)
+  const worker = await getRequiredWorker(session.workerId)
+  const financeConfig = getWorkerFinanceConfig()
+  if (financeConfig.recharge.enabled === false) {
+    throw createHttpError('当前充值入口暂未开放，请联系管理员', {
+      statusCode: 409,
+      errorCode: 'worker_recharge_disabled',
+    })
+  }
+  const amount = normalizeAmountFen(payload.amount ?? payload.amountYuan, 0)
+  if (amount <= 0) {
+    throw createHttpError('充值金额必须大于 0', {
+      statusCode: 400,
+      errorCode: 'worker_recharge_amount_invalid',
+    })
+  }
+
+  const note = String(payload.note || payload.remark || '').trim()
+  const proofFiles = normalizeProofFiles(payload.proofFiles || payload.proofFilesList)
+  const paidAt = String(payload.paidAt || '').trim()
+  const created = await createWorkerFinanceRequest({
+    workerId: worker.id,
+    requestType: 'recharge',
+    amount,
+    accountChannel: 'manual',
+    accountName: worker.display_name || worker.username,
+    accountNo: worker.phone || '',
+    note: note || '个人中心充值申请',
+    payloadJson: JSON.stringify({
+      source: 'worker_profile_recharge',
+      username: worker.username,
+      phone: worker.phone || '',
+      paidAt: paidAt || null,
+      proofFiles,
+      financeConfig: {
+        channelName: financeConfig.recharge.channelName,
+        accountName: financeConfig.recharge.accountName,
+        accountNo: financeConfig.recharge.accountNo,
+        qrCodeImage: financeConfig.recharge.qrCodeImage,
+      },
+    }),
+    now: nowIso(),
+  })
+  if (!created) {
+    throw createHttpError('充值申请创建失败', {
+      statusCode: 500,
+      errorCode: 'worker_recharge_request_create_failed',
+    })
+  }
+  await createWorkerRechargeAdminNotification({
+    requestId: Number(created.id),
+    workerName: worker.display_name || worker.username,
+    amountFen: Number(created.amount || amount),
+  })
+  publishWorkerFinanceRealtimeChange({
+    requestId: Number(created.id),
+    workerId: Number(worker.id),
+  })
+  return {
+    request: mapFinanceRequest(created),
+  }
+}
+
+export async function createWorkerWithdrawRequest(
+  payload: JsonObject = {},
+  session: WorkerSession,
+) {
+  requireActiveWorkerSession(session)
+  const worker = await getRequiredWorker(session.workerId)
+  const financeConfig = getWorkerFinanceConfig()
+  if (financeConfig.withdraw.enabled === false) {
+    throw createHttpError('当前提现入口暂未开放，请联系管理员', {
+      statusCode: 409,
+      errorCode: 'worker_withdraw_disabled',
+    })
+  }
+
+  await settleDueDepositUnfreezes({ workerId: worker.id, limit: 50 })
+  const dayRange = resolveChinaDayRange()
+  const withdrawCountToday = await countWorkerWithdrawRequestsOnDay(
+    worker.id,
+    dayRange.start,
+    dayRange.end,
+  )
+  if (withdrawCountToday >= WORKER_DAILY_WITHDRAW_LIMIT) {
+    throw createHttpError('每天最多提现 3 次（支付宝、微信共享次数），今天已达上限', {
+      statusCode: 409,
+      errorCode: 'worker_withdraw_daily_limit_reached',
+    })
+  }
+
+  const amount = normalizeAmountFen(payload.amount ?? payload.amountYuan, 0)
+  if (amount <= 0) {
+    throw createHttpError('提现金额必须大于 0', {
+      statusCode: 400,
+      errorCode: 'worker_withdraw_amount_invalid',
+    })
+  }
+
+  const accountChannel = normalizeWithdrawChannel(payload.accountChannel || payload.channel)
+  const withdrawalAccount = await getWorkerWithdrawalAccount(worker.id, accountChannel)
+  if (!withdrawalAccount) {
+    throw createHttpError('请先添加对应的提现信息；修改提现信息请联系客服处理', {
+      statusCode: 409,
+      errorCode: 'worker_withdrawal_account_required',
+    })
+  }
+  assertWithdrawChannelAllowedForAmount(amount, accountChannel)
+  const alipayQrCodeImage = resolveAlipayWithdrawalQrCode(withdrawalAccount)
+  const wechatQrCodeImage = resolveWechatWithdrawalQrCode(withdrawalAccount)
+  if (accountChannel === 'alipay' && !alipayQrCodeImage) {
+    throw createHttpError('支付宝提现信息缺少收款二维码，请先补充后再提现', {
+      statusCode: 409,
+      errorCode: 'worker_withdrawal_alipay_qr_required',
+    })
+  }
+  if (accountChannel === 'wechat' && !wechatQrCodeImage) {
+    throw createHttpError('微信提现信息缺少收款二维码，请联系客服处理', {
+      statusCode: 409,
+      errorCode: 'worker_withdrawal_wechat_qr_required',
+    })
+  }
+
+  const financeSummary = await getWorkerFinanceRequestSummary(worker.id)
+  const availableAmount = Number(worker.available_amount || 0)
+  const availableForWithdraw = Math.max(0, availableAmount - financeSummary.pendingWithdrawAmount)
+  if (amount > availableForWithdraw) {
+    throw createHttpError('可提现余额不足，请先减少提现金额或等待已提交申请处理', {
+      statusCode: 409,
+      errorCode: 'worker_withdraw_amount_insufficient',
+    })
+  }
+
+  const note = String(payload.note || payload.remark || '').trim()
+  const created = await createWorkerFinanceRequest({
+    workerId: worker.id,
+    requestType: 'withdraw',
+    amount,
+    accountChannel,
+    accountName: withdrawalAccount.account_name,
+    accountNo: withdrawalAccount.account_no,
+    note: note || '个人中心提现申请',
+    payloadJson: JSON.stringify({
+      source: 'worker_profile_withdraw',
+      username: worker.username,
+      phone: worker.phone || '',
+      alipayQrCodeImage,
+      wechatQrCodeImage,
+    }),
+    now: nowIso(),
+  })
+  if (!created) {
+    throw createHttpError('提现申请创建失败', {
+      statusCode: 500,
+      errorCode: 'worker_withdraw_request_create_failed',
+    })
+  }
+  await createWorkerWithdrawAdminNotification({
+    requestId: Number(created.id),
+    workerName: worker.display_name || worker.username,
+    amountFen: Number(created.amount || amount),
+    channel: created.account_channel,
+  })
+  publishWorkerFinanceRealtimeChange({
+    requestId: Number(created.id),
+    workerId: Number(worker.id),
+  })
+  return {
+    request: mapFinanceRequest(created),
+    availableForWithdraw,
+  }
+}
+
+export async function settleDueDepositUnfreezes(
+  options: { limit?: number; workerId?: number } = {},
+) {
+  const due = await listDueDepositUnfreezes({
+    limit: Math.max(1, Number(options.limit || 100)),
+    workerId: Number(options.workerId || 0),
+  })
+  let processedCount = 0
+  for (const unfreeze of due) {
+    const released = await releaseDepositUnfreeze({
+      unfreezeId: unfreeze.id,
+      now: nowIso(),
+    })
+    if (released) {
+      processedCount += 1
+      publishWorkerWalletRealtimeChange(Number(released.worker_id))
+    }
+  }
+  return {
+    checkedCount: due.length,
+    processedCount,
+  }
+}
+
+function resolveChinaDayRange(): { start: string; end: string } {
+  const utcNow = new Date()
+  const utcDayStartMs =
+    Date.UTC(utcNow.getUTCFullYear(), utcNow.getUTCMonth(), utcNow.getUTCDate()) - 8 * 3_600_000
+  return {
+    start: new Date(utcDayStartMs).toISOString(),
+    end: new Date(utcDayStartMs + 86_400_000).toISOString(),
+  }
+}
diff --git a/apps/backend/src/services/worker-platform/worker-profile-service.ts b/apps/backend/src/services/worker-platform/worker-profile-service.ts
index c88f71b8..9ed16d06 100644
--- a/apps/backend/src/services/worker-platform/worker-profile-service.ts
+++ b/apps/backend/src/services/worker-platform/worker-profile-service.ts
@@ -3,55 +3,45 @@ import {
   countWorkerAcceptedOrders,
   countWorkerActiveOrders,
   countWorkerTimeoutEvents,
-  countWorkerWithdrawRequestsOnDay,
-  createWorkerFinanceRequest,
-  createWorkerWithdrawalAccount as createWorkerWithdrawalAccountRecord,
   getWorkerFinanceRequestSummary,
-  getWorkerWithdrawalAccount,
-  listDueDepositUnfreezes,
   listWorkerFinanceRequests,
   listWorkerLevels,
   listWorkerWalletLedgers,
   listWorkerWithdrawalAccounts,
-  releaseDepositUnfreeze,
-  upsertWorkerWithdrawalAccount,
   type WorkerUserRow,
 } from '../../repositories/worker-platform/index.js'
 import type { JsonObject } from '../../types/json.js'
-import { createHttpError } from '../../utils/http.js'
-import { nowIso } from '../../utils/time.js'
-import { normalizePage, normalizePageSize, safeParseJson } from '../admin/admin-query-utils.js'
-import { refreshUploadedFileUrls } from '../file-storage/file-storage-service.js'
 import {
-  createWorkerRechargeAdminNotification,
-  createWorkerWithdrawAdminNotification,
-} from '../admin/admin-notification-service.js'
+  normalizePage,
+  normalizePageSize,
+  safeParseJson,
+} from '../admin/admin-query-utils.js'
 import {
-  publishWorkerFinanceRealtimeChange,
-  publishWorkerWalletRealtimeChange,
-} from '../realtime/realtime-event-service.js'
-import {
-  assertWithdrawChannelAllowedForAmount,
   mapFinanceRequest,
   mapWalletLedger,
   mapWorkerUser,
-  normalizeAmountFen,
   normalizeFinanceRequestStatus,
   normalizeFinanceRequestType,
   normalizeInteger,
-  normalizeProofFiles,
   normalizeWalletLedgerType,
-  normalizeWithdrawChannel,
   resolveWorkerPermissions,
 } from './mappers.js'
 import { getWorkerFinanceConfig } from './worker-finance-config-service.js'
 import {
   getRequiredWorker,
-  requireActiveWorkerSession,
   type WorkerSession,
 } from './worker-session-context-service.js'
 
-const WORKER_DAILY_WITHDRAW_LIMIT = 3
+export {
+  createWorkerRechargeRequest,
+  createWorkerWithdrawRequest,
+  settleDueDepositUnfreezes,
+} from './worker-finance-request-service.js'
+export {
+  createWorkerWithdrawalAccount,
+  saveWorkerAlipayWithdrawalQrCode,
+} from './worker-withdrawal-account-service.js'
+import { mapWithdrawalAccount } from './worker-withdrawal-account-service.js'
 
 export async function getWorkerProfile(session: WorkerSession) {
   const worker = await getRequiredWorker(session.workerId)
@@ -175,373 +165,3 @@ export async function listWorkerProfileFinanceRequests(
     pagination: { page, pageSize, total },
   }
 }
-
-export async function createWorkerRechargeRequest(
-  payload: JsonObject = {},
-  session: WorkerSession,
-) {
-  requireActiveWorkerSession(session)
-  const worker = await getRequiredWorker(session.workerId)
-  const financeConfig = getWorkerFinanceConfig()
-  if (financeConfig.recharge.enabled === false) {
-    throw createHttpError('当前充值入口暂未开放，请联系管理员', {
-      statusCode: 409,
-      errorCode: 'worker_recharge_disabled',
-    })
-  }
-  const amount = normalizeAmountFen(payload.amount ?? payload.amountYuan, 0)
-  if (amount <= 0) {
-    throw createHttpError('充值金额必须大于 0', {
-      statusCode: 400,
-      errorCode: 'worker_recharge_amount_invalid',
-    })
-  }
-
-  const note = String(payload.note || payload.remark || '').trim()
-  const proofFiles = normalizeProofFiles(payload.proofFiles || payload.proofFilesList)
-  const paidAt = String(payload.paidAt || '').trim()
-  const created = await createWorkerFinanceRequest({
-    workerId: worker.id,
-    requestType: 'recharge',
-    amount,
-    accountChannel: 'manual',
-    accountName: worker.display_name || worker.username,
-    accountNo: worker.phone || '',
-    note: note || '个人中心充值申请',
-    payloadJson: JSON.stringify({
-      source: 'worker_profile_recharge',
-      username: worker.username,
-      phone: worker.phone || '',
-      paidAt: paidAt || null,
-      proofFiles,
-      financeConfig: {
-        channelName: financeConfig.recharge.channelName,
-        accountName: financeConfig.recharge.accountName,
-        accountNo: financeConfig.recharge.accountNo,
-        qrCodeImage: financeConfig.recharge.qrCodeImage,
-      },
-    }),
-    now: nowIso(),
-  })
-  if (!created) {
-    throw createHttpError('充值申请创建失败', {
-      statusCode: 500,
-      errorCode: 'worker_recharge_request_create_failed',
-    })
-  }
-  await createWorkerRechargeAdminNotification({
-    requestId: Number(created.id),
-    workerName: worker.display_name || worker.username,
-    amountFen: Number(created.amount || amount),
-  })
-  publishWorkerFinanceRealtimeChange({
-    requestId: Number(created.id),
-    workerId: Number(worker.id),
-  })
-  return {
-    request: mapFinanceRequest(created),
-  }
-}
-
-export async function createWorkerWithdrawRequest(
-  payload: JsonObject = {},
-  session: WorkerSession,
-) {
-  requireActiveWorkerSession(session)
-  const worker = await getRequiredWorker(session.workerId)
-  const financeConfig = getWorkerFinanceConfig()
-  if (financeConfig.withdraw.enabled === false) {
-    throw createHttpError('当前提现入口暂未开放，请联系管理员', {
-      statusCode: 409,
-      errorCode: 'worker_withdraw_disabled',
-    })
-  }
-
-  await settleDueDepositUnfreezes({ workerId: worker.id, limit: 50 })
-  const dayRange = resolveChinaDayRange()
-  const withdrawCountToday = await countWorkerWithdrawRequestsOnDay(
-    worker.id,
-    dayRange.start,
-    dayRange.end,
-  )
-  if (withdrawCountToday >= WORKER_DAILY_WITHDRAW_LIMIT) {
-    throw createHttpError('每天最多提现 3 次（支付宝、微信共享次数），今天已达上限', {
-      statusCode: 409,
-      errorCode: 'worker_withdraw_daily_limit_reached',
-    })
-  }
-
-  const amount = normalizeAmountFen(payload.amount ?? payload.amountYuan, 0)
-  if (amount <= 0) {
-    throw createHttpError('提现金额必须大于 0', {
-      statusCode: 400,
-      errorCode: 'worker_withdraw_amount_invalid',
-    })
-  }
-
-  const accountChannel = normalizeWithdrawChannel(payload.accountChannel || payload.channel)
-  const withdrawalAccount = await getWorkerWithdrawalAccount(worker.id, accountChannel)
-  if (!withdrawalAccount) {
-    throw createHttpError('请先添加对应的提现信息；修改提现信息请联系客服处理', {
-      statusCode: 409,
-      errorCode: 'worker_withdrawal_account_required',
-    })
-  }
-  assertWithdrawChannelAllowedForAmount(amount, accountChannel)
-  const alipayQrCodeImage = resolveAlipayWithdrawalQrCode(withdrawalAccount)
-  const wechatQrCodeImage = resolveWechatWithdrawalQrCode(withdrawalAccount)
-  if (accountChannel === 'alipay' && !alipayQrCodeImage) {
-    throw createHttpError('支付宝提现信息缺少收款二维码，请先补充后再提现', {
-      statusCode: 409,
-      errorCode: 'worker_withdrawal_alipay_qr_required',
-    })
-  }
-  if (accountChannel === 'wechat' && !wechatQrCodeImage) {
-    throw createHttpError('微信提现信息缺少收款二维码，请联系客服处理', {
-      statusCode: 409,
-      errorCode: 'worker_withdrawal_wechat_qr_required',
-    })
-  }
-
-  const financeSummary = await getWorkerFinanceRequestSummary(worker.id)
-  const availableAmount = Number(worker.available_amount || 0)
-  const availableForWithdraw = Math.max(0, availableAmount - financeSummary.pendingWithdrawAmount)
-  if (amount > availableForWithdraw) {
-    throw createHttpError('可提现余额不足，请先减少提现金额或等待已提交申请处理', {
-      statusCode: 409,
-      errorCode: 'worker_withdraw_amount_insufficient',
-    })
-  }
-
-  const note = String(payload.note || payload.remark || '').trim()
-  const created = await createWorkerFinanceRequest({
-    workerId: worker.id,
-    requestType: 'withdraw',
-    amount,
-    accountChannel,
-    accountName: withdrawalAccount.account_name,
-    accountNo: withdrawalAccount.account_no,
-    note: note || '个人中心提现申请',
-    payloadJson: JSON.stringify({
-      source: 'worker_profile_withdraw',
-      username: worker.username,
-      phone: worker.phone || '',
-      alipayQrCodeImage,
-      wechatQrCodeImage,
-    }),
-    now: nowIso(),
-  })
-  if (!created) {
-    throw createHttpError('提现申请创建失败', {
-      statusCode: 500,
-      errorCode: 'worker_withdraw_request_create_failed',
-    })
-  }
-  await createWorkerWithdrawAdminNotification({
-    requestId: Number(created.id),
-    workerName: worker.display_name || worker.username,
-    amountFen: Number(created.amount || amount),
-    channel: created.account_channel,
-  })
-  publishWorkerFinanceRealtimeChange({
-    requestId: Number(created.id),
-    workerId: Number(worker.id),
-  })
-  return {
-    request: mapFinanceRequest(created),
-    availableForWithdraw,
-  }
-}
-
-export async function createWorkerWithdrawalAccount(
-  payload: JsonObject = {},
-  session: WorkerSession,
-) {
-  requireActiveWorkerSession(session)
-  const worker = await getRequiredWorker(session.workerId)
-  const accountChannel = normalizeWithdrawChannel(payload.accountChannel || payload.channel)
-  const existing = await getWorkerWithdrawalAccount(worker.id, accountChannel)
-  if (existing) {
-    throw createHttpError('该提现方式的信息已添加，修改请联系客服处理', {
-      statusCode: 409,
-      errorCode: 'worker_withdrawal_account_already_set',
-    })
-  }
-
-  const accountName = String(payload.accountName || payload.realName || '').trim()
-  const accountNo =
-    accountChannel === 'alipay' ? String(payload.accountNo || payload.account || '').trim() : ''
-  const alipayQrCodeImage =
-    accountChannel === 'alipay'
-      ? normalizeProofFiles(payload.alipayQrCodeImages || payload.alipayQrCodes)[0] || null
-      : null
-  const wechatQrCodeImage =
-    accountChannel === 'wechat'
-      ? normalizeProofFiles(payload.wechatQrCodeImages || payload.wechatQrCodes)[0] || null
-      : null
-  if (!accountName) {
-    throw createHttpError('请填写收款人姓名', {
-      statusCode: 400,
-      errorCode: 'worker_withdraw_account_name_required',
-    })
-  }
-  if (accountChannel === 'alipay' && !accountNo) {
-    throw createHttpError('请填写收款账号', {
-      statusCode: 400,
-      errorCode: 'worker_withdraw_account_no_required',
-    })
-  }
-  if (accountChannel === 'alipay' && !alipayQrCodeImage) {
-    throw createHttpError('请上传支付宝收款二维码', {
-      statusCode: 400,
-      errorCode: 'worker_withdraw_alipay_qr_required',
-    })
-  }
-  if (accountChannel === 'wechat' && !wechatQrCodeImage) {
-    throw createHttpError('请上传微信收款二维码', {
-      statusCode: 400,
-      errorCode: 'worker_withdraw_wechat_qr_required',
-    })
-  }
-
-  const created = await createWorkerWithdrawalAccountRecord({
-    workerId: worker.id,
-    accountChannel,
-    accountName,
-    accountNo,
-    alipayQrCodeJson: JSON.stringify(alipayQrCodeImage || {}),
-    wechatQrCodeJson: JSON.stringify(wechatQrCodeImage || {}),
-    now: nowIso(),
-  })
-  if (!created) {
-    throw createHttpError('该提现方式的信息已添加，修改请联系客服处理', {
-      statusCode: 409,
-      errorCode: 'worker_withdrawal_account_already_set',
-    })
-  }
-  return {
-    withdrawalAccount: mapWithdrawalAccount(created),
-  }
-}
-
-/** 历史支付宝账户只允许补充一次收款二维码，不允许修改账户姓名、账号或二维码。 */
-export async function saveWorkerAlipayWithdrawalQrCode(
-  payload: JsonObject = {},
-  session: WorkerSession,
-) {
-  requireActiveWorkerSession(session)
-  const worker = await getRequiredWorker(session.workerId)
-  const current = await getWorkerWithdrawalAccount(worker.id, 'alipay')
-  if (!current) {
-    throw createHttpError('请先添加支付宝提现信息', {
-      statusCode: 409,
-      errorCode: 'worker_withdrawal_alipay_account_required',
-    })
-  }
-  if (resolveAlipayWithdrawalQrCode(current)) {
-    throw createHttpError('支付宝收款二维码已补充，后续修改请联系客服处理', {
-      statusCode: 409,
-      errorCode: 'worker_withdrawal_alipay_qr_already_set',
-    })
-  }
-  const alipayQrCodeImage = normalizeProofFiles(
-    payload.alipayQrCodeImages || payload.alipayQrCodes,
-  )[0]
-  if (!alipayQrCodeImage) {
-    throw createHttpError('请上传支付宝收款二维码', {
-      statusCode: 400,
-      errorCode: 'worker_withdraw_alipay_qr_required',
-    })
-  }
-  const saved = await upsertWorkerWithdrawalAccount({
-    workerId: worker.id,
-    accountChannel: 'alipay',
-    accountName: current.account_name,
-    accountNo: current.account_no,
-    alipayQrCodeJson: JSON.stringify(alipayQrCodeImage),
-    wechatQrCodeJson: JSON.stringify(safeParseJson(current.wechat_qr_code_json)),
-    now: nowIso(),
-  })
-  if (!saved) {
-    throw createHttpError('保存支付宝收款二维码失败', {
-      statusCode: 500,
-      errorCode: 'worker_withdrawal_alipay_qr_save_failed',
-    })
-  }
-  return { withdrawalAccount: mapWithdrawalAccount(saved) }
-}
-
-export async function settleDueDepositUnfreezes(
-  options: { limit?: number; workerId?: number } = {},
-) {
-  const due = await listDueDepositUnfreezes({
-    limit: Math.max(1, Number(options.limit || 100)),
-    workerId: Number(options.workerId || 0),
-  })
-  let processedCount = 0
-  for (const unfreeze of due) {
-    const released = await releaseDepositUnfreeze({
-      unfreezeId: unfreeze.id,
-      now: nowIso(),
-    })
-    if (released) {
-      processedCount += 1
-      publishWorkerWalletRealtimeChange(Number(released.worker_id))
-    }
-  }
-  return {
-    checkedCount: due.length,
-    processedCount,
-  }
-}
-
-function mapWithdrawalAccount(account: {
-  account_channel: string
-  account_name: string
-  account_no: string
-  alipay_qr_code_json: string | Record<string, unknown>
-  wechat_qr_code_json: string | Record<string, unknown>
-  created_at: string
-}) {
-  const alipayQrCodeImage = resolveAlipayWithdrawalQrCode(account)
-  const wechatQrCodeImage = resolveWechatWithdrawalQrCode(account)
-  return {
-    accountChannel: account.account_channel,
-    accountName: account.account_name,
-    accountNoMasked:
-      account.account_channel === 'alipay' ? maskWithdrawalAccountNo(account.account_no) : '',
-    alipayQrCodeImage,
-    wechatQrCodeImage,
-    createdAt: account.created_at,
-  }
-}
-
-function resolveAlipayWithdrawalQrCode(account: {
-  alipay_qr_code_json: string | Record<string, unknown>
-}) {
-  const file = refreshUploadedFileUrls(safeParseJson(account.alipay_qr_code_json))
-  return String(file.url || '').trim() ? file : null
-}
-
-function resolveWechatWithdrawalQrCode(account: {
-  wechat_qr_code_json: string | Record<string, unknown>
-}) {
-  const file = refreshUploadedFileUrls(safeParseJson(account.wechat_qr_code_json))
-  return String(file.url || '').trim() ? file : null
-}
-
-function maskWithdrawalAccountNo(accountNo: string) {
-  const normalized = String(accountNo || '').trim()
-  if (normalized.length <= 4) return normalized
-  return `${'*'.repeat(Math.max(4, normalized.length - 4))}${normalized.slice(-4)}`
-}
-
-function resolveChinaDayRange(): { start: string; end: string } {
-  const utcNow = new Date()
-  const utcDayStartMs =
-    Date.UTC(utcNow.getUTCFullYear(), utcNow.getUTCMonth(), utcNow.getUTCDate()) - 8 * 3_600_000
-  return {
-    start: new Date(utcDayStartMs).toISOString(),
-    end: new Date(utcDayStartMs + 86_400_000).toISOString(),
-  }
-}
diff --git a/apps/backend/src/services/worker-platform/worker-withdrawal-account-service.ts b/apps/backend/src/services/worker-platform/worker-withdrawal-account-service.ts
new file mode 100644
index 00000000..a1a1d8e4
--- /dev/null
+++ b/apps/backend/src/services/worker-platform/worker-withdrawal-account-service.ts
@@ -0,0 +1,171 @@
+import {
+  createWorkerWithdrawalAccount as createWorkerWithdrawalAccountRecord,
+  getWorkerWithdrawalAccount,
+  upsertWorkerWithdrawalAccount,
+} from '../../repositories/worker-platform/index.js'
+import type { JsonObject } from '../../types/json.js'
+import { createHttpError } from '../../utils/http.js'
+import { nowIso } from '../../utils/time.js'
+import { safeParseJson } from '../admin/admin-query-utils.js'
+import { refreshUploadedFileUrls } from '../file-storage/file-storage-service.js'
+import { normalizeProofFiles, normalizeWithdrawChannel } from './mappers.js'
+import { getRequiredWorker, requireActiveWorkerSession, type WorkerSession } from './worker-session-context-service.js'
+
+export async function createWorkerWithdrawalAccount(
+  payload: JsonObject = {},
+  session: WorkerSession,
+) {
+  requireActiveWorkerSession(session)
+  const worker = await getRequiredWorker(session.workerId)
+  const accountChannel = normalizeWithdrawChannel(payload.accountChannel || payload.channel)
+  const existing = await getWorkerWithdrawalAccount(worker.id, accountChannel)
+  if (existing) {
+    throw createHttpError('该提现方式的信息已添加，修改请联系客服处理', {
+      statusCode: 409,
+      errorCode: 'worker_withdrawal_account_already_set',
+    })
+  }
+
+  const accountName = String(payload.accountName || payload.realName || '').trim()
+  const accountNo =
+    accountChannel === 'alipay' ? String(payload.accountNo || payload.account || '').trim() : ''
+  const alipayQrCodeImage =
+    accountChannel === 'alipay'
+      ? normalizeProofFiles(payload.alipayQrCodeImages || payload.alipayQrCodes)[0] || null
+      : null
+  const wechatQrCodeImage =
+    accountChannel === 'wechat'
+      ? normalizeProofFiles(payload.wechatQrCodeImages || payload.wechatQrCodes)[0] || null
+      : null
+  if (!accountName) {
+    throw createHttpError('请填写收款人姓名', {
+      statusCode: 400,
+      errorCode: 'worker_withdraw_account_name_required',
+    })
+  }
+  if (accountChannel === 'alipay' && !accountNo) {
+    throw createHttpError('请填写收款账号', {
+      statusCode: 400,
+      errorCode: 'worker_withdraw_account_no_required',
+    })
+  }
+  if (accountChannel === 'alipay' && !alipayQrCodeImage) {
+    throw createHttpError('请上传支付宝收款二维码', {
+      statusCode: 400,
+      errorCode: 'worker_withdraw_alipay_qr_required',
+    })
+  }
+  if (accountChannel === 'wechat' && !wechatQrCodeImage) {
+    throw createHttpError('请上传微信收款二维码', {
+      statusCode: 400,
+      errorCode: 'worker_withdraw_wechat_qr_required',
+    })
+  }
+
+  const created = await createWorkerWithdrawalAccountRecord({
+    workerId: worker.id,
+    accountChannel,
+    accountName,
+    accountNo,
+    alipayQrCodeJson: JSON.stringify(alipayQrCodeImage || {}),
+    wechatQrCodeJson: JSON.stringify(wechatQrCodeImage || {}),
+    now: nowIso(),
+  })
+  if (!created) {
+    throw createHttpError('该提现方式的信息已添加，修改请联系客服处理', {
+      statusCode: 409,
+      errorCode: 'worker_withdrawal_account_already_set',
+    })
+  }
+  return {
+    withdrawalAccount: mapWithdrawalAccount(created),
+  }
+}
+
+/** 历史支付宝账户只允许补充一次收款二维码，不允许修改账户姓名、账号或二维码。 */
+export async function saveWorkerAlipayWithdrawalQrCode(
+  payload: JsonObject = {},
+  session: WorkerSession,
+) {
+  requireActiveWorkerSession(session)
+  const worker = await getRequiredWorker(session.workerId)
+  const current = await getWorkerWithdrawalAccount(worker.id, 'alipay')
+  if (!current) {
+    throw createHttpError('请先添加支付宝提现信息', {
+      statusCode: 409,
+      errorCode: 'worker_withdrawal_alipay_account_required',
+    })
+  }
+  if (resolveAlipayWithdrawalQrCode(current)) {
+    throw createHttpError('支付宝收款二维码已补充，后续修改请联系客服处理', {
+      statusCode: 409,
+      errorCode: 'worker_withdrawal_alipay_qr_already_set',
+    })
+  }
+  const alipayQrCodeImage = normalizeProofFiles(
+    payload.alipayQrCodeImages || payload.alipayQrCodes,
+  )[0]
+  if (!alipayQrCodeImage) {
+    throw createHttpError('请上传支付宝收款二维码', {
+      statusCode: 400,
+      errorCode: 'worker_withdraw_alipay_qr_required',
+    })
+  }
+  const saved = await upsertWorkerWithdrawalAccount({
+    workerId: worker.id,
+    accountChannel: 'alipay',
+    accountName: current.account_name,
+    accountNo: current.account_no,
+    alipayQrCodeJson: JSON.stringify(alipayQrCodeImage),
+    wechatQrCodeJson: JSON.stringify(safeParseJson(current.wechat_qr_code_json)),
+    now: nowIso(),
+  })
+  if (!saved) {
+    throw createHttpError('保存支付宝收款二维码失败', {
+      statusCode: 500,
+      errorCode: 'worker_withdrawal_alipay_qr_save_failed',
+    })
+  }
+  return { withdrawalAccount: mapWithdrawalAccount(saved) }
+}
+
+export function mapWithdrawalAccount(account: {
+  account_channel: string
+  account_name: string
+  account_no: string
+  alipay_qr_code_json: string | Record<string, unknown>
+  wechat_qr_code_json: string | Record<string, unknown>
+  created_at: string
+}) {
+  const alipayQrCodeImage = resolveAlipayWithdrawalQrCode(account)
+  const wechatQrCodeImage = resolveWechatWithdrawalQrCode(account)
+  return {
+    accountChannel: account.account_channel,
+    accountName: account.account_name,
+    accountNoMasked:
+      account.account_channel === 'alipay' ? maskWithdrawalAccountNo(account.account_no) : '',
+    alipayQrCodeImage,
+    wechatQrCodeImage,
+    createdAt: account.created_at,
+  }
+}
+
+export function resolveAlipayWithdrawalQrCode(account: {
+  alipay_qr_code_json: string | Record<string, unknown>
+}) {
+  const file = refreshUploadedFileUrls(safeParseJson(account.alipay_qr_code_json))
+  return String(file.url || '').trim() ? file : null
+}
+
+export function resolveWechatWithdrawalQrCode(account: {
+  wechat_qr_code_json: string | Record<string, unknown>
+}) {
+  const file = refreshUploadedFileUrls(safeParseJson(account.wechat_qr_code_json))
+  return String(file.url || '').trim() ? file : null
+}
+
+function maskWithdrawalAccountNo(accountNo: string) {
+  const normalized = String(accountNo || '').trim()
+  if (normalized.length <= 4) return normalized
+  return `${'*'.repeat(Math.max(4, normalized.length - 4))}${normalized.slice(-4)}`
+}