优化打手提现审核流程

apps/backend/src/db/migrations/023_worker_withdrawal_accounts.sql

@@ -0,0 +1,11 @@
+-- 打手提现账户：每位打手仅允许首次登记，后续变更由客服处理。
+CREATE TABLE IF NOT EXISTS worker_withdrawal_accounts (
+  worker_id BIGINT PRIMARY KEY REFERENCES worker_users(id) ON DELETE CASCADE,
+  account_channel TEXT NOT NULL CHECK (account_channel IN ('alipay', 'wechat')),
+  account_name TEXT NOT NULL,
+  account_no TEXT NOT NULL,
+  created_at TIMESTAMPTZ NOT NULL
+);
+
+COMMENT ON TABLE worker_withdrawal_accounts IS '打手不可自行修改的提现账户';
+COMMENT ON COLUMN worker_withdrawal_accounts.account_channel IS '提现渠道：alipay / wechat';

apps/backend/src/db/migrations/024_worker_withdrawal_accounts_per_channel.sql

@@ -0,0 +1,8 @@
+-- 提现账户改为每个渠道各登记一次，保留既有账户数据。
+ALTER TABLE worker_withdrawal_accounts
+  DROP CONSTRAINT IF EXISTS worker_withdrawal_accounts_pkey;
+
+ALTER TABLE worker_withdrawal_accounts
+  ADD PRIMARY KEY (worker_id, account_channel);
+
+COMMENT ON TABLE worker_withdrawal_accounts IS '打手每个渠道仅可自行登记一次的提现账户';

apps/backend/src/db/migrations/025_worker_wechat_withdrawal_qr_code.sql

@@ -0,0 +1,5 @@
+-- 微信提现不使用账号，改为保存不可修改的收款二维码。
+ALTER TABLE worker_withdrawal_accounts
+  ADD COLUMN IF NOT EXISTS wechat_qr_code_json JSONB NOT NULL DEFAULT '{}'::jsonb;
+
+COMMENT ON COLUMN worker_withdrawal_accounts.wechat_qr_code_json IS '微信收款二维码文件信息';

apps/backend/src/repositories/worker-platform/types.ts

@@ -94,6 +94,15 @@ export type WorkerFinanceRequestRow = {
   worker_phone?: string
 }
 
+export type WorkerWithdrawalAccountRow = {
+  worker_id: number
+  account_channel: string
+  account_name: string
+  account_no: string
+  wechat_qr_code_json: string | Record<string, unknown>
+  created_at: string
+}
+
 export type WorkCategoryRow = {
   id: number
   category_key: string

apps/backend/src/repositories/worker-platform/worker-repo.ts

@@ -8,6 +8,7 @@ import type {
   WorkerFinanceRequestRow,
   WorkerLevelRow,
   WorkerUserRow,
+  WorkerWithdrawalAccountRow,
   WorkerWalletLedgerRow,
   WorkerWalletRow,
 } from './types.js'
@@ -437,6 +438,65 @@ export async function createWorkerFinanceRequest(input: {
   return result.rows[0] || null
 }
 
+export async function getWorkerWithdrawalAccount(
+  workerId: number | string,
+  accountChannel: string,
+): Promise<WorkerWithdrawalAccountRow | null> {
+  const result = await query<WorkerWithdrawalAccountRow>(
+    `
+      SELECT *
+      FROM worker_withdrawal_accounts
+      WHERE worker_id = $1 AND account_channel = $2
+      LIMIT 1
+    `,
+    [Number(workerId), accountChannel],
+  )
+  return result.rows[0] || null
+}
+
+export async function listWorkerWithdrawalAccounts(
+  workerId: number | string,
+): Promise<WorkerWithdrawalAccountRow[]> {
+  const result = await query<WorkerWithdrawalAccountRow>(
+    `
+      SELECT *
+      FROM worker_withdrawal_accounts
+      WHERE worker_id = $1
+      ORDER BY account_channel ASC
+    `,
+    [Number(workerId)],
+  )
+  return result.rows
+}
+
+export async function createWorkerWithdrawalAccount(input: {
+  workerId: number
+  accountChannel: string
+  accountName: string
+  accountNo: string
+  wechatQrCodeJson: string
+  now: string
+}): Promise<WorkerWithdrawalAccountRow | null> {
+  const result = await query<WorkerWithdrawalAccountRow>(
+    `
+      INSERT INTO worker_withdrawal_accounts (
+        worker_id, account_channel, account_name, account_no, wechat_qr_code_json, created_at
+      ) VALUES ($1, $2, $3, $4, $5::jsonb, $6)
+      ON CONFLICT (worker_id, account_channel) DO NOTHING
+      RETURNING *
+    `,
+    [
+      input.workerId,
+      input.accountChannel,
+      input.accountName,
+      input.accountNo,
+      input.wechatQrCodeJson,
+      input.now,
+    ],
+  )
+  return result.rows[0] || null
+}
+
 export async function getWorkerFinanceRequestById(
   requestId: number | string,
 ): Promise<WorkerFinanceRequestRow | null> {

apps/backend/src/routes/worker.ts

@@ -6,6 +6,7 @@ import { uploadFileAsset } from '../services/file-storage/file-storage-service.j
 import {
   changeWorkerPassword,
   createWorkerRechargeRequest,
+  createWorkerWithdrawalAccount,
   createWorkerWithdrawRequest,
   getWorkerProfile,
   getWorkerSessionSummary,
@@ -147,6 +148,19 @@ router.post(
   ),
 )
 
+router.post(
+  '/profile/withdrawal-account',
+  requireActiveWorker,
+  createRouteHandler(
+    (req) => createWorkerWithdrawalAccount(req.body || {}, getRequiredWorkerSession(req)),
+    {
+      successMessage: '提现信息已添加',
+      errorMessage: '添加提现信息失败',
+      scope: '[worker/profile/withdrawal-account]',
+    },
+  ),
+)
+
 router.post(
   '/profile/withdraw-requests',
   requireActiveWorker,

apps/backend/src/services/worker-platform/mappers.ts

@@ -260,6 +260,11 @@ export function mapWalletLedger(ledger: WorkerWalletLedgerRow | null | undefined
 
 export function mapFinanceRequest(request: WorkerFinanceRequestRow | null | undefined) {
   if (!request) return null
+  const payload = safeParseJson(request.payload_json)
+  const wechatQrCodeImage = refreshUploadedFileUrls(payload.wechatQrCodeImage)
+  if (String(wechatQrCodeImage.url || '').trim()) {
+    payload.wechatQrCodeImage = wechatQrCodeImage
+  }
   return {
     requestId: Number(request.id),
     requestType: request.request_type || '',
@@ -270,7 +275,7 @@ export function mapFinanceRequest(request: WorkerFinanceRequestRow | null | unde
     accountNo: request.account_no || '',
     note: request.note || '',
     reviewedNote: request.reviewed_note || '',
-    payload: safeParseJson(request.payload_json),
+    payload,
     createdAt: request.created_at,
     updatedAt: request.updated_at,
     reviewedAt: request.reviewed_at,
@@ -901,7 +906,7 @@ export function normalizeAdminFinanceReviewStatus(value: unknown) {
 
 export function normalizeWithdrawChannel(value: unknown) {
   const channel = String(value || '').trim()
-  if (['alipay', 'wechat', 'bank'].includes(channel)) {
+  if (['alipay', 'wechat'].includes(channel)) {
     return channel
   }
   throw createHttpError('提现方式不正确', {
@@ -910,6 +915,16 @@ export function normalizeWithdrawChannel(value: unknown) {
   })
 }
 
+/** 提现金额超过 100 元时，仅允许使用支付宝。 */
+export function assertWithdrawChannelAllowedForAmount(amount: number, channel: string) {
+  if (amount > 10_000 && channel !== 'alipay') {
+    throw createHttpError('提现金额超过 100 元时，仅支持支付宝提现', {
+      statusCode: 400,
+      errorCode: 'worker_withdraw_channel_amount_limited',
+    })
+  }
+}
+
 export function normalizeMatchType(value: unknown) {
   const matchType = String(value || '').trim()
   if (matchType === 'exact') return 'exact'

apps/backend/src/services/worker-platform/worker-platform-service.test.ts

@@ -3,7 +3,9 @@ import test from 'node:test'
 
 import type { WorkOrderRow, WorkerUserRow } from '../../repositories/worker-platform/index.js'
 import {
+  assertWithdrawChannelAllowedForAmount,
   assertWorkerLoginAllowed,
+  normalizeWithdrawChannel,
   normalizeRequirementFields,
   resolveCollectSubmitTargetWorkOrder,
   resolveSkuNameQuantity,
@@ -72,6 +74,28 @@ test('assertWorkerLoginAllowed blocks disabled workers with worker_disabled', ()
   )
 })
 
+test('微信提现金额不超过 100 元时允许提交', () => {
+  assert.doesNotThrow(() => assertWithdrawChannelAllowedForAmount(10_000, 'wechat'))
+})
+
+test('微信提现金额超过 100 元时被拒绝', () => {
+  assert.throws(
+    () => assertWithdrawChannelAllowedForAmount(10_001, 'wechat'),
+    (error: unknown) =>
+      Boolean(
+        error &&
+        typeof error === 'object' &&
+        (error as { errorCode?: string }).errorCode === 'worker_withdraw_channel_amount_limited',
+      ),
+  )
+})
+
+test('提现渠道仅支持支付宝和微信', () => {
+  assert.equal(normalizeWithdrawChannel('alipay'), 'alipay')
+  assert.equal(normalizeWithdrawChannel('wechat'), 'wechat')
+  assert.throws(() => normalizeWithdrawChannel('bank'))
+})
+
 test('normalizeRequirementFields default template keeps gameId/gameNickname as text inputs', () => {
   const fields = normalizeRequirementFields([])
   const gameId = fields.find((field) => field.key === 'gameId')

apps/backend/src/services/worker-platform/worker-service.ts

@@ -15,12 +15,14 @@ import {
   createWorkOrderEvent,
   createWorkerFinanceRequest,
   createWorkerUser,
+  createWorkerWithdrawalAccount as createWorkerWithdrawalAccountRecord,
   getWorkerFinanceRequestSummary,
   getWorkCategoryByKey,
   getWorkerLevelByKey,
   getLatestWorkerSmsCode,
   getWorkerUserByInviteCode,
   getWorkerUserById,
+  getWorkerWithdrawalAccount,
   getWorkerUserByPhone,
   getWorkerUserByUsername,
   getWorkerUserByDisplayName,
@@ -35,6 +37,7 @@ import {
   listWorkerSharesByWorker,
   listWorkerWalletLedgers,
   listWorkerWorkOrderNotes,
+  listWorkerWithdrawalAccounts,
   listWorkCategories,
   listWorkOrders,
   listWorkOrderEventsByOrderId,
@@ -63,6 +66,7 @@ import { nowIso } from '../../utils/time.js'
 import { normalizePage, normalizePageSize, safeParseJson } from '../admin/admin-query-utils.js'
 import { getSmsProvider } from '../sms/index.js'
 import { getWorkerFinanceConfig } from './worker-finance-config-service.js'
+import { refreshUploadedFileUrls } from '../file-storage/file-storage-service.js'
 
 import {
   DEFAULT_CATEGORY_KEY,
@@ -84,6 +88,7 @@ import {
   mapWorkOrderShare,
   mapWorkerUser,
   normalizeAmountFen,
+  assertWithdrawChannelAllowedForAmount,
   normalizeFinanceRequestStatus,
   normalizeFinanceRequestType,
   normalizeInteger,
@@ -109,6 +114,8 @@ import {
   verifyWorkerPassword,
 } from './mappers.js'
 
+const WORKER_DAILY_WITHDRAW_LIMIT = 3
+
 export type WorkerSession = {
   sessionId: string
   workerId: number
@@ -505,13 +512,20 @@ export function requireActiveWorkerSession(session: WorkerSession | null | undef
 
 export async function getWorkerProfile(session: WorkerSession) {
   const worker = await getRequiredWorker(session.workerId)
-  const [financeSummary, acceptedOrderCount, activeOrderCount, timeoutOrderCount, financeConfig] =
+  const [
-    await Promise.all([
+    financeSummary,
+    acceptedOrderCount,
+    activeOrderCount,
+    timeoutOrderCount,
+    financeConfig,
+    withdrawalAccounts,
+  ] = await Promise.all([
     getWorkerFinanceRequestSummary(session.workerId),
     countWorkerAcceptedOrders(session.workerId),
     countWorkerActiveOrders(session.workerId),
     countWorkerTimeoutEvents(session.workerId),
     Promise.resolve(getWorkerFinanceConfig()),
+    listWorkerWithdrawalAccounts(session.workerId),
   ])
   const permissions = resolveWorkerPermissions(worker)
   const levelProgress = await resolveLevelProgress(worker, acceptedOrderCount)
@@ -528,6 +542,7 @@ export async function getWorkerProfile(session: WorkerSession) {
     },
     levelProgress,
     financeConfig,
+    withdrawalAccounts: withdrawalAccounts.map(mapWithdrawalAccount),
     orderTimelineVisible: runtimeConfig.worker.orderTimelineVisible === true,
   }
 }
@@ -696,8 +711,8 @@ export async function createWorkerWithdrawRequest(
     resolveChinaDayRange().start,
     resolveChinaDayRange().end,
   )
-  if (withdrawCountToday > 0) {
+  if (withdrawCountToday >= WORKER_DAILY_WITHDRAW_LIMIT) {
-    throw createHttpError('每天限提现 1 次，今天已提交过提现申请', {
+    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',
     })
@@ -712,18 +727,19 @@ export async function createWorkerWithdrawRequest(
   }
 
   const accountChannel = normalizeWithdrawChannel(payload.accountChannel || payload.channel)
-  const accountName = String(payload.accountName || payload.realName || '').trim()
+  const withdrawalAccount = await getWorkerWithdrawalAccount(worker.id, accountChannel)
-  const accountNo = String(payload.accountNo || payload.account || '').trim()
+  if (!withdrawalAccount) {
-  if (!accountName) {
+    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', {
-    throw createHttpError('请填写收款人姓名', {
+      statusCode: 409,
-      statusCode: 400,
+      errorCode: 'worker_withdrawal_account_required',
-      errorCode: 'worker_withdraw_account_name_required',
     })
   }
-  if (!accountNo) {
+  assertWithdrawChannelAllowedForAmount(amount, accountChannel)
-    throw createHttpError('请填写收款账号', {
+  const wechatQrCodeImage = resolveWechatWithdrawalQrCode(withdrawalAccount)
-      statusCode: 400,
+  if (accountChannel === 'wechat' && !wechatQrCodeImage) {
-      errorCode: 'worker_withdraw_account_no_required',
+    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',
     })
   }
 
@@ -743,13 +759,14 @@ export async function createWorkerWithdrawRequest(
     requestType: 'withdraw',
     amount,
     accountChannel,
-    accountName,
+    accountName: withdrawalAccount.account_name,
-    accountNo,
+    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 || '',
+      wechatQrCodeImage,
     }),
     now: nowIso(),
   })
@@ -765,6 +782,97 @@ export async function createWorkerWithdrawRequest(
   }
 }
 
+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 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 === '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,
+    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),
+  }
+}
+
+function mapWithdrawalAccount(account: {
+  account_channel: string
+  account_name: string
+  account_no: string
+  wechat_qr_code_json: string | Record<string, unknown>
+  created_at: string
+}) {
+  const wechatQrCodeImage = resolveWechatWithdrawalQrCode(account)
+  return {
+    accountChannel: account.account_channel,
+    accountName: account.account_name,
+    accountNoMasked:
+      account.account_channel === 'alipay' ? maskWithdrawalAccountNo(account.account_no) : '',
+    wechatQrCodeImage,
+    createdAt: account.created_at,
+  }
+}
+
+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)}`
+}
+
 export async function changeWorkerPassword(payload: JsonObject = {}, session: WorkerSession) {
   const worker = await getRequiredWorker(session.workerId)
   const currentPassword = normalizePassword(payload.currentPassword || payload.oldPassword)

apps/frontend/src/pages/admin/panels/FinancePanel.tsx

@@ -68,6 +68,7 @@ export default function FinancePanel() {
   const [page, setPage] = useState(1)
   const [pageSize, setPageSize] = useState(ADMIN_DEFAULT_PAGE_SIZE)
   const [savingConfig, setSavingConfig] = useState(false)
+  const [configExpanded, setConfigExpanded] = useState(false)
   const [reviewing, setReviewing] = useState(false)
   const [reviewState, setReviewState] = useState<{
     action: FinanceReviewAction
@@ -207,13 +208,15 @@ export default function FinancePanel() {
       render: (_, row) => renderFinanceRequestAccount(row),
     },
     {
-      title: '付款凭证',
+      title: '凭证/收款码',
       minWidth: 140,
-      render: (_, row) =>
+      render: (_, row) => (
-        row.requestType === 'recharge' ? (
+        <ImagePreviewList
-          <ImagePreviewList files={getRechargeProofs(row)} size={48} />
+          files={
-        ) : (
+            row.requestType === 'recharge' ? getRechargeProofs(row) : getWechatWithdrawQrCode(row)
-          '-'
+          }
+          size={48}
+        />
       ),
     },
     {
@@ -276,6 +279,10 @@ export default function FinancePanel() {
         bordered={false}
         loading={financeConfigQuery.isLoading}
         extra={
+          <Space>
+            <Button type="link" onClick={() => setConfigExpanded((expanded) => !expanded)}>
+              {configExpanded ? '收起配置' : '展开配置'}
+            </Button>
             <Button
               icon={<ReloadOutlined />}
               loading={financeConfigQuery.isFetching}
@@ -283,15 +290,17 @@ export default function FinancePanel() {
             >
               刷新
             </Button>
+          </Space>
         }
       >
-        {financeConfigQuery.error ? (
+        {configExpanded && financeConfigQuery.error ? (
           <Typography.Text type="danger">
             {financeConfigQuery.error instanceof Error
               ? financeConfigQuery.error.message
               : '读取资金配置失败'}
           </Typography.Text>
         ) : null}
+        {configExpanded ? (
           <Form
             form={configForm}
             layout="vertical"
@@ -299,7 +308,11 @@ export default function FinancePanel() {
             initialValues={mapFinanceConfigToFormValues()}
           >
             <Card title="充值入口" size="small" style={{ marginBottom: 16 }}>
-            <Form.Item label="开启充值申请" name={['recharge', 'enabled']} valuePropName="checked">
+              <Form.Item
+                label="开启充值申请"
+                name={['recharge', 'enabled']}
+                valuePropName="checked"
+              >
                 <Switch />
               </Form.Item>
               <Form.Item label="收款通道名称" name={['recharge', 'channelName']}>
@@ -342,7 +355,11 @@ export default function FinancePanel() {
             </Card>
 
             <Card title="提现入口" size="small" style={{ marginBottom: 16 }}>
-            <Form.Item label="开启提现申请" name={['withdraw', 'enabled']} valuePropName="checked">
+              <Form.Item
+                label="开启提现申请"
+                name={['withdraw', 'enabled']}
+                valuePropName="checked"
+              >
                 <Switch />
               </Form.Item>
               <Form.Item label="提现说明" name={['withdraw', 'instructions']}>
@@ -357,6 +374,7 @@ export default function FinancePanel() {
               保存配置
             </Button>
           </Form>
+        ) : null}
       </Card>
 
       <Card
@@ -461,6 +479,16 @@ export default function FinancePanel() {
               <Descriptions.Item label="收款信息">
                 {renderFinanceRequestAccountText(reviewState.request)}
               </Descriptions.Item>
+              {reviewState.request.requestType === 'withdraw' &&
+              reviewState.request.accountChannel === 'alipay' ? (
+                <Descriptions.Item label="支付宝账号">
+                  {reviewState.request.accountNo ? (
+                    <Typography.Text copyable>{reviewState.request.accountNo}</Typography.Text>
+                  ) : (
+                    '-'
+                  )}
+                </Descriptions.Item>
+              ) : null}
               {reviewState.request.requestType === 'recharge' ? (
                 <>
                   <Descriptions.Item label="付款时间">
@@ -473,6 +501,15 @@ export default function FinancePanel() {
                   </Descriptions.Item>
                 </>
               ) : null}
+              {reviewState.request.requestType === 'withdraw' &&
+              reviewState.request.accountChannel === 'wechat' ? (
+                <Descriptions.Item label="微信收款二维码">
+                  <ImagePreviewList
+                    files={getWechatWithdrawQrCode(reviewState.request)}
+                    size={88}
+                  />
+                </Descriptions.Item>
+              ) : null}
               <Descriptions.Item label="申请备注">
                 {reviewState.request.note || '-'}
               </Descriptions.Item>
@@ -551,7 +588,7 @@ function renderFinanceRequestAccount(request: WorkerFinanceRequest) {
     <div className="cell-stack">
       <Typography.Text>{renderFinanceRequestAccountText(request)}</Typography.Text>
       {request.requestType === 'withdraw' && request.accountNo ? (
-        <Typography.Text type="secondary">{maskFinanceAccount(request.accountNo)}</Typography.Text>
+        <Typography.Text copyable>{request.accountNo}</Typography.Text>
       ) : null}
     </div>
   )
@@ -606,6 +643,25 @@ function getRechargeProofs(request: WorkerFinanceRequest): UploadedFile[] {
     .filter((item): item is UploadedFile => Boolean(item))
 }
 
+function getWechatWithdrawQrCode(request: WorkerFinanceRequest): UploadedFile[] {
+  if (request.requestType !== 'withdraw' || request.accountChannel !== 'wechat') return []
+  const payload = asRecord(request.payload)
+  const file = asRecord(payload.wechatQrCodeImage)
+  const url = String(file.url || '').trim()
+  if (!url) return []
+  return [
+    {
+      url,
+      mediumUrl: String(file.mediumUrl || '').trim(),
+      thumbnailUrl: String(file.thumbnailUrl || '').trim(),
+      objectKey: String(file.objectKey || '').trim(),
+      filename: String(file.filename || '').trim(),
+      contentType: String(file.contentType || '').trim(),
+      size: Number(file.size || 0),
+    },
+  ]
+}
+
 function getRechargePaidAt(request: WorkerFinanceRequest): string {
   const payload = asRecord(request.payload)
   return String(payload.paidAt || '').trim()

apps/frontend/src/pages/worker/WorkerProfilePage.tsx

@@ -40,6 +40,7 @@ import ImageUpload from '@/components/files/ImageUpload'
 import {
   changeWorkerPassword,
   createWorkerRechargeRequest,
+  createWorkerWithdrawalAccount,
   createWorkerWithdrawRequest,
   fetchWorkerFinanceRequests,
   fetchWorkerProfile,
@@ -66,10 +67,15 @@ type RechargeFormValues = {
 
 type WithdrawFormValues = {
   amount?: number
+  accountChannel?: string
+  note?: string
+}
+
+type WithdrawalAccountFormValues = {
   accountChannel?: string
   accountName?: string
   accountNo?: string
-  note?: string
+  wechatQrCodeImages?: UploadedFile[]
 }
 
 type PasswordFormValues = {
@@ -94,14 +100,19 @@ export default function WorkerProfilePage() {
   const [requestStatus, setRequestStatus] = useState('')
   const [rechargeOpen, setRechargeOpen] = useState(false)
   const [withdrawOpen, setWithdrawOpen] = useState(false)
+  const [withdrawalAccountOpen, setWithdrawalAccountOpen] = useState(false)
   const [passwordOpen, setPasswordOpen] = useState(false)
   const [contactOpen, setContactOpen] = useState(false)
   const [submittingRecharge, setSubmittingRecharge] = useState(false)
   const [submittingWithdraw, setSubmittingWithdraw] = useState(false)
+  const [submittingWithdrawalAccount, setSubmittingWithdrawalAccount] = useState(false)
   const [submittingPassword, setSubmittingPassword] = useState(false)
   const [rechargeForm] = Form.useForm<RechargeFormValues>()
   const [withdrawForm] = Form.useForm<WithdrawFormValues>()
+  const [withdrawalAccountForm] = Form.useForm<WithdrawalAccountFormValues>()
   const [passwordForm] = Form.useForm<PasswordFormValues>()
+  const selectedWithdrawChannel = Form.useWatch('accountChannel', withdrawForm)
+  const selectedWithdrawalAccountChannel = Form.useWatch('accountChannel', withdrawalAccountForm)
 
   const profileQuery = useQuery({
     queryKey: ['worker-profile'],
@@ -113,6 +124,10 @@ export default function WorkerProfilePage() {
   const summary = profileQuery.data?.data.summary
   const levelProgress = profileQuery.data?.data.levelProgress
   const financeConfig = profileQuery.data?.data.financeConfig
+  const withdrawalAccounts = profileQuery.data?.data.withdrawalAccounts || []
+  const selectedWithdrawalAccount = withdrawalAccounts.find(
+    (account) => account.accountChannel === selectedWithdrawChannel,
+  )
   const canUseFinanceActions = worker?.status === 'active'
 
   async function copyInviteCode() {
@@ -191,9 +206,26 @@ export default function WorkerProfilePage() {
       message.warning('当前提现入口暂未开放，请联系管理员')
       return
     }
+    if (withdrawalAccounts.length === 0) {
+      openWithdrawalAccountModal()
+      return
+    }
+    withdrawForm.setFieldValue('accountChannel', withdrawalAccounts[0].accountChannel)
     setWithdrawOpen(true)
   }
 
+  function openWithdrawalAccountModal() {
+    const nextChannel = ['alipay', 'wechat'].find(
+      (channel) => !withdrawalAccounts.some((account) => account.accountChannel === channel),
+    )
+    if (!nextChannel) {
+      message.info('支付宝和微信提现信息均已添加，修改请联系客服处理')
+      return
+    }
+    withdrawalAccountForm.setFieldValue('accountChannel', nextChannel)
+    setWithdrawalAccountOpen(true)
+  }
+
   async function submitRecharge(values: RechargeFormValues) {
     setSubmittingRecharge(true)
     try {
@@ -222,9 +254,7 @@ export default function WorkerProfilePage() {
     try {
       await createWorkerWithdrawRequest({
         amount: values.amount,
-        accountChannel: values.accountChannel,
+        accountChannel: String(values.accountChannel || ''),
-        accountName: String(values.accountName || '').trim(),
-        accountNo: String(values.accountNo || '').trim(),
         note: String(values.note || '').trim(),
       })
       message.success('提现申请已提交，请等待管理员审核')
@@ -241,6 +271,28 @@ export default function WorkerProfilePage() {
     }
   }
 
+  async function submitWithdrawalAccount(values: WithdrawalAccountFormValues) {
+    setSubmittingWithdrawalAccount(true)
+    try {
+      await createWorkerWithdrawalAccount({
+        accountChannel: String(values.accountChannel || ''),
+        accountName: String(values.accountName || '').trim(),
+        accountNo: String(values.accountNo || '').trim(),
+        wechatQrCodeImages: values.wechatQrCodeImages || [],
+      })
+      message.success('提现信息已添加，该方式后续修改请联系客服处理')
+      setWithdrawalAccountOpen(false)
+      withdrawalAccountForm.resetFields()
+      await refreshAll()
+      withdrawForm.setFieldValue('accountChannel', String(values.accountChannel || ''))
+      setWithdrawOpen(true)
+    } catch (error) {
+      message.error(error instanceof Error ? error.message : '添加提现信息失败')
+    } finally {
+      setSubmittingWithdrawalAccount(false)
+    }
+  }
+
   async function submitPasswordChange(values: PasswordFormValues) {
     setSubmittingPassword(true)
     try {
@@ -1055,6 +1107,15 @@ export default function WorkerProfilePage() {
                   >
                     提现申请
                   </Button>
+                  {withdrawalAccounts.length < 2 ? (
+                    <Button
+                      icon={<BankOutlined />}
+                      disabled={!canUseFinanceActions}
+                      onClick={openWithdrawalAccountModal}
+                    >
+                      添加提现信息
+                    </Button>
+                  ) : null}
                   <Button icon={<LockOutlined />} onClick={() => setPasswordOpen(true)}>
                     修改密码
                   </Button>
@@ -1122,6 +1183,37 @@ export default function WorkerProfilePage() {
                           <Descriptions.Item label="提现中金额">
                             {formatMoney(summary?.pendingWithdrawAmount)}
                           </Descriptions.Item>
+                          <Descriptions.Item label="提现信息" span={2}>
+                            {withdrawalAccounts.length > 0 ? (
+                              <Space direction="vertical" size={2}>
+                                {withdrawalAccounts.map((account) => (
+                                  <Space key={account.accountChannel} wrap size={4}>
+                                    <Typography.Text>
+                                      {formatWithdrawChannel(account.accountChannel)}
+                                    </Typography.Text>
+                                    <Typography.Text>{account.accountName}</Typography.Text>
+                                    <Typography.Text type="secondary">
+                                      {account.accountChannel === 'wechat'
+                                        ? '已上传收款二维码'
+                                        : account.accountNoMasked}
+                                    </Typography.Text>
+                                    <Typography.Text type="secondary">
+                                      已锁定，修改请联系客服
+                                    </Typography.Text>
+                                  </Space>
+                                ))}
+                              </Space>
+                            ) : (
+                              <Button
+                                type="link"
+                                size="small"
+                                disabled={!canUseFinanceActions}
+                                onClick={openWithdrawalAccountModal}
+                              >
+                                添加提现信息
+                              </Button>
+                            )}
+                          </Descriptions.Item>
                           <Descriptions.Item label="免押额度">
                             {formatMoney(worker.level?.permissions.depositFreeAmount || 0)}
                           </Descriptions.Item>
@@ -1387,6 +1479,69 @@ export default function WorkerProfilePage() {
         </Form>
       </Modal>
 
+      <Modal
+        title="添加提现信息"
+        open={withdrawalAccountOpen}
+        width={isMobile ? '92%' : 500}
+        destroyOnHidden
+        confirmLoading={submittingWithdrawalAccount}
+        onCancel={() => {
+          setWithdrawalAccountOpen(false)
+          withdrawalAccountForm.resetFields()
+        }}
+        onOk={() => withdrawalAccountForm.submit()}
+      >
+        <Alert
+          showIcon
+          type="warning"
+          message="支付宝和微信可分别添加一次；每种方式添加后均无法自行修改，如需修改请联系客服。"
+          style={{ marginBottom: 16 }}
+        />
+        <Form form={withdrawalAccountForm} layout="vertical" onFinish={submitWithdrawalAccount}>
+          <Form.Item
+            label="提现方式"
+            name="accountChannel"
+            rules={[{ required: true, message: '请选择提现方式' }]}
+          >
+            <Select
+              options={[
+                ...(!withdrawalAccounts.some((account) => account.accountChannel === 'alipay')
+                  ? [{ value: 'alipay', label: '支付宝' }]
+                  : []),
+                ...(!withdrawalAccounts.some((account) => account.accountChannel === 'wechat')
+                  ? [{ value: 'wechat', label: '微信收款（仅支持 100 元及以下提现）' }]
+                  : []),
+              ]}
+            />
+          </Form.Item>
+          <Form.Item
+            label="收款人姓名"
+            name="accountName"
+            rules={[{ required: true, message: '请输入收款人姓名' }]}
+          >
+            <Input placeholder="请输入真实姓名" />
+          </Form.Item>
+          {selectedWithdrawalAccountChannel === 'wechat' ? (
+            <Form.Item
+              label="微信收款二维码"
+              name="wechatQrCodeImages"
+              rules={[{ required: true, message: '请上传微信收款二维码' }]}
+              extra="微信提现仅使用收款二维码，不需要填写微信账号。"
+            >
+              <ImageUpload scene="worker-withdrawal-wechat-qr" scope="worker" maxCount={1} />
+            </Form.Item>
+          ) : (
+            <Form.Item
+              label="支付宝账号"
+              name="accountNo"
+              rules={[{ required: true, message: '请输入支付宝账号' }]}
+            >
+              <Input placeholder="请输入支付宝账号" />
+            </Form.Item>
+          )}
+        </Form>
+      </Modal>
+
       <Modal
         title="提现申请"
         open={withdrawOpen}
@@ -1399,12 +1554,7 @@ export default function WorkerProfilePage() {
         }}
         onOk={() => withdrawForm.submit()}
       >
-        <Form
+        <Form form={withdrawForm} layout="vertical" onFinish={submitWithdraw}>
-          form={withdrawForm}
-          layout="vertical"
-          initialValues={{ accountChannel: 'alipay' }}
-          onFinish={submitWithdraw}
-        >
           {financeConfig?.withdraw.instructions ? (
             <Alert
               showIcon
@@ -1416,49 +1566,58 @@ export default function WorkerProfilePage() {
           <Alert
             showIcon
             type="warning"
-            message={`每天限提现 1 次；有押金的工单验收通过后，押金需 ${Number(
+            message={`每天最多提现 3 次（支付宝、微信共享次数）；100 元及以下支持微信和支付宝，超过 100 元仅支持支付宝；有押金的工单验收通过后，押金需 ${Number(
               financeConfig?.depositUnfreezeDays ?? 3,
             )} 天解冻到账后方可提现。`}
             style={{ marginBottom: 16 }}
           />
+          <Descriptions column={1} bordered size="small" style={{ marginBottom: 16 }}>
+            <Descriptions.Item label="提现账户">
+              {formatWithdrawChannel(selectedWithdrawalAccount?.accountChannel || '')} ·{' '}
+              {selectedWithdrawalAccount?.accountName || '-'} ·{' '}
+              {selectedWithdrawalAccount?.accountChannel === 'wechat'
+                ? '收款二维码'
+                : selectedWithdrawalAccount?.accountNoMasked || '-'}
+            </Descriptions.Item>
+          </Descriptions>
           <Form.Item label="可提现余额">
             <Typography.Text strong>
               {formatMoney(resolveAvailableForWithdraw(worker, summary))}
             </Typography.Text>
           </Form.Item>
-          <Form.Item
-            label="提现金额"
-            name="amount"
-            rules={[{ required: true, message: '请输入提现金额' }]}
-          >
-            <InputNumber min={0.01} step={1} addonAfter="元" className="full-width" />
-          </Form.Item>
           <Form.Item
             label="提现方式"
             name="accountChannel"
             rules={[{ required: true, message: '请选择提现方式' }]}
           >
             <Select
-              options={[
+              options={withdrawalAccounts.map((account) => ({
-                { value: 'alipay', label: '支付宝' },
+                value: account.accountChannel,
-                { value: 'wechat', label: '微信收款' },
+                label:
-                { value: 'bank', label: '银行卡' },
+                  account.accountChannel === 'wechat'
-              ]}
+                    ? '微信收款 · 收款二维码'
+                    : `${formatWithdrawChannel(account.accountChannel)} · ${account.accountNoMasked}`,
+              }))}
             />
           </Form.Item>
           <Form.Item
-            label="收款人姓名"
+            label="提现金额"
-            name="accountName"
+            name="amount"
-            rules={[{ required: true, message: '请输入收款人姓名' }]}
+            rules={[
+              { required: true, message: '请输入提现金额' },
+              {
+                validator(_, value) {
+                  if (Number(value || 0) > 100 && selectedWithdrawChannel !== 'alipay') {
+                    return Promise.reject(
+                      new Error('超过 100 元仅支持支付宝提现，请联系客服修改提现信息'),
+                    )
+                  }
+                  return Promise.resolve()
+                },
+              },
+            ]}
           >
-            <Input placeholder="请输入真实姓名" />
+            <InputNumber min={0.01} step={1} addonAfter="元" className="full-width" />
-          </Form.Item>
-          <Form.Item
-            label="收款账号"
-            name="accountNo"
-            rules={[{ required: true, message: '请输入收款账号' }]}
-          >
-            <Input placeholder="请输入支付宝账号、微信号或银行卡号" />
           </Form.Item>
           <Form.Item label="备注说明" name="note">
             <Input.TextArea rows={4} placeholder="可补充到账要求、手机号、开户行等说明。" />

apps/frontend/src/services/worker.ts

@@ -83,9 +83,7 @@ export function createWorkerRechargeRequest(payload: {
 
 export function createWorkerWithdrawRequest(payload: {
   amount?: number
-  accountChannel?: string
+  accountChannel: string
-  accountName?: string
-  accountNo?: string
   note?: string
 }) {
   return apiPost<{ request: WorkerFinanceRequest }>(
@@ -94,6 +92,15 @@ export function createWorkerWithdrawRequest(payload: {
   )
 }
 
+export function createWorkerWithdrawalAccount(payload: {
+  accountChannel: string
+  accountName: string
+  accountNo?: string
+  wechatQrCodeImages?: UploadedFile[]
+}) {
+  return apiPost('/api/v1/worker/profile/withdrawal-account', payload)
+}
+
 export function changeWorkerPassword(payload: { currentPassword: string; newPassword: string }) {
   return apiPost<{ worker: WorkerUser; reloginRequired: boolean }>(
     '/api/v1/worker/profile/change-password',

apps/frontend/src/types/worker-platform.ts

@@ -105,12 +105,21 @@ export type WorkerFinanceConfig = {
   }
 }
 
+export type WorkerWithdrawalAccount = {
+  accountChannel: string
+  accountName: string
+  accountNoMasked: string
+  wechatQrCodeImage: UploadedFile | null
+  createdAt: string | null
+}
+
 export type WorkerProfileResponse = {
   worker: WorkerUser
   permissions: Record<string, unknown>
   summary: WorkerProfileSummary
   levelProgress: WorkerLevelProgress | null
   financeConfig: WorkerFinanceConfig
+  withdrawalAccounts: WorkerWithdrawalAccount[]
   /** 打手端订单详情是否展示流转记录（后台配置开关，默认关闭） */
   orderTimelineVisible?: boolean
 }