From 5d4613f317d042b693645400a815e774f6ea63d7 Mon Sep 17 00:00:00 2001
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Date: Mon, 22 Jun 2026 17:46:01 +0800
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引入真实收款与钱包页面替换首页占位入口，通过 RootView 接入 API，并支持银行卡 OSS 上传及二维码保存到相册。

Co-authored-by: Cursor <cursoragent@cursor.com>
---
 suixinkan.xcodeproj/project.pbxproj           |   2 +
 suixinkan/App/RootView.swift                  |   6 +
 suixinkan/Core/Upload/OSSUploadService.swift  |  10 +
 suixinkan/Features/Home/Home.md               |   2 +
 .../Features/Home/Models/HomeMenuItem.swift   |   2 +
 .../Home/Routing/HomeMenuRouter.swift         |  10 +-
 .../Home/Views/HomeSupportViews.swift         |   4 +
 .../Features/Payment/API/PaymentAPI.swift     |  55 ++
 .../Payment/Models/PaymentModels.swift        | 182 ++++++
 suixinkan/Features/Payment/Payment.md         |  25 +
 .../Payment/ViewModels/PaymentViewModel.swift | 246 +++++++
 .../Payment/Views/PaymentCollectionView.swift | 325 ++++++++++
 suixinkan/Features/Wallet/API/WalletAPI.swift | 204 ++++++
 .../Features/Wallet/Models/WalletModels.swift | 604 ++++++++++++++++++
 .../Wallet/ViewModels/WalletViewModels.swift  | 538 ++++++++++++++++
 .../Features/Wallet/Views/WalletView.swift    | 531 +++++++++++++++
 suixinkan/Features/Wallet/Wallet.md           |  31 +
 suixinkanTests/HomeMenuRouterTests.swift      |   8 +-
 suixinkanTests/NavigationRouterTests.swift    |   2 +
 suixinkanTests/PaymentViewModelTests.swift    | 108 ++++
 .../ProfileSecondaryPagesTests.swift          |   5 +
 suixinkanTests/UploadTests.swift              |   4 +
 suixinkanTests/WalletViewModelTests.swift     | 222 +++++++
 23 files changed, 3117 insertions(+), 9 deletions(-)
 create mode 100644 suixinkan/Features/Payment/API/PaymentAPI.swift
 create mode 100644 suixinkan/Features/Payment/Models/PaymentModels.swift
 create mode 100644 suixinkan/Features/Payment/Payment.md
 create mode 100644 suixinkan/Features/Payment/ViewModels/PaymentViewModel.swift
 create mode 100644 suixinkan/Features/Payment/Views/PaymentCollectionView.swift
 create mode 100644 suixinkan/Features/Wallet/API/WalletAPI.swift
 create mode 100644 suixinkan/Features/Wallet/Models/WalletModels.swift
 create mode 100644 suixinkan/Features/Wallet/ViewModels/WalletViewModels.swift
 create mode 100644 suixinkan/Features/Wallet/Views/WalletView.swift
 create mode 100644 suixinkan/Features/Wallet/Wallet.md
 create mode 100644 suixinkanTests/PaymentViewModelTests.swift
 create mode 100644 suixinkanTests/WalletViewModelTests.swift

diff --git a/suixinkan.xcodeproj/project.pbxproj b/suixinkan.xcodeproj/project.pbxproj
index 26db165..27d46d9 100644
--- a/suixinkan.xcodeproj/project.pbxproj
+++ b/suixinkan.xcodeproj/project.pbxproj
@@ -345,6 +345,7 @@
 				ENABLE_PREVIEWS = YES;
 				GENERATE_INFOPLIST_FILE = YES;
 				INFOPLIST_KEY_NSCameraUsageDescription = "用于扫码核销订单";
+				INFOPLIST_KEY_NSPhotoLibraryAddUsageDescription = "用于保存收款二维码到相册";
 				INFOPLIST_KEY_UIApplicationSceneManifest_Generation = YES;
 				INFOPLIST_KEY_UIApplicationSupportsIndirectInputEvents = YES;
 				INFOPLIST_KEY_UILaunchScreen_Generation = YES;
@@ -383,6 +384,7 @@
 				ENABLE_PREVIEWS = YES;
 				GENERATE_INFOPLIST_FILE = YES;
 				INFOPLIST_KEY_NSCameraUsageDescription = "用于扫码核销订单";
+				INFOPLIST_KEY_NSPhotoLibraryAddUsageDescription = "用于保存收款二维码到相册";
 				INFOPLIST_KEY_UIApplicationSceneManifest_Generation = YES;
 				INFOPLIST_KEY_UIApplicationSupportsIndirectInputEvents = YES;
 				INFOPLIST_KEY_UILaunchScreen_Generation = YES;
diff --git a/suixinkan/App/RootView.swift b/suixinkan/App/RootView.swift
index aca796e..a4597a8 100644
--- a/suixinkan/App/RootView.swift
+++ b/suixinkan/App/RootView.swift
@@ -23,6 +23,8 @@ struct RootView: View {
     @State private var accountContextAPI: AccountContextAPI
     @State private var ordersAPI: OrdersAPI
     @State private var statisticsAPI: StatisticsAPI
+    @State private var paymentAPI: PaymentAPI
+    @State private var walletAPI: WalletAPI
     @State private var authSessionCoordinator: AuthSessionCoordinator
     @State private var sessionBootstrapper: SessionBootstrapper
 
@@ -40,6 +42,8 @@ struct RootView: View {
         _accountContextAPI = State(initialValue: AccountContextAPI(client: apiClient))
         _ordersAPI = State(initialValue: OrdersAPI(client: apiClient))
         _statisticsAPI = State(initialValue: StatisticsAPI(client: apiClient))
+        _paymentAPI = State(initialValue: PaymentAPI(client: apiClient))
+        _walletAPI = State(initialValue: WalletAPI(client: apiClient))
         _authSessionCoordinator = State(
             initialValue: AuthSessionCoordinator(
                 tokenStore: tokenStore,
@@ -72,6 +76,8 @@ struct RootView: View {
             .environment(accountContextAPI)
             .environment(ordersAPI)
             .environment(statisticsAPI)
+            .environment(paymentAPI)
+            .environment(walletAPI)
             .environment(authSessionCoordinator)
             .task {
                 apiClient.bindAuthTokenProvider { appSession.token }
diff --git a/suixinkan/Core/Upload/OSSUploadService.swift b/suixinkan/Core/Upload/OSSUploadService.swift
index 573d41c..ea6c562 100644
--- a/suixinkan/Core/Upload/OSSUploadService.swift
+++ b/suixinkan/Core/Upload/OSSUploadService.swift
@@ -36,6 +36,9 @@ protocol OSSUploadServing {
 
     /// 上传景区申请图片，并返回可访问的 OSS 文件 URL。
     func uploadScenicApplicationImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String
+
+    /// 上传银行卡照片，并返回可访问的 OSS 文件 URL。
+    func uploadBankCardImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String
 }
 
 @MainActor
@@ -84,6 +87,11 @@ final class OSSUploadService {
         try await uploadFile(data: data, fileName: fileName, fileType: 2, scenicId: scenicId, moduleType: "scenic_apply", onProgress: onProgress)
     }
 
+    /// 上传银行卡照片，并返回可访问的 OSS 文件 URL。
+    func uploadBankCardImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String {
+        try await uploadFile(data: data, fileName: fileName, fileType: 2, scenicId: scenicId, moduleType: "bank_card", onProgress: onProgress)
+    }
+
     /// 执行通用 OSS 上传流程。
     private func uploadFile(
         data: Data,
@@ -188,6 +196,8 @@ enum OSSUploadPolicy {
             return "avatar/\(currentDate)/\(scenicId)/\(uploadId)_\(safeName)"
         case "real_name":
             return "real_name/\(currentDate)/\(scenicId)/\(uploadId)_\(safeName)"
+        case "bank_card":
+            return "bank_card/\(currentDate)/\(scenicId)/\(uploadId)_\(safeName)"
         default:
             return "task/\(currentDate)/\(scenicId)/\(uploadId)_\(safeName)"
         }
diff --git a/suixinkan/Features/Home/Home.md b/suixinkan/Features/Home/Home.md
index e9c94d3..7bc5672 100644
--- a/suixinkan/Features/Home/Home.md
+++ b/suixinkan/Features/Home/Home.md
@@ -33,4 +33,6 @@ Home 模块负责登录后的首页工作台，包括当前景区展示、工作
 
 ## 后续迁移
 
+目前 `payment_collection`、`payment_qr`、`payment_code` 已由 `Features/Payment` 的真实收款页面接管，`wallet` 已由 `Features/Wallet` 的真实钱包页面接管。`withdrawal_audit` 仍属于后台性质的提现审核管理模块，本轮保留占位，后续应作为独立功能迁移。
+
 后续迁移具体首页子模块时，应先在 `HomeRoute` 增加目标页面，再更新 `HomeMenuRouter.resolve` 对应 URI 的映射，并同步补充单元测试。
diff --git a/suixinkan/Features/Home/Models/HomeMenuItem.swift b/suixinkan/Features/Home/Models/HomeMenuItem.swift
index 67e6e27..197c2a6 100644
--- a/suixinkan/Features/Home/Models/HomeMenuItem.swift
+++ b/suixinkan/Features/Home/Models/HomeMenuItem.swift
@@ -24,6 +24,8 @@ enum HomeRoute: Hashable {
     case scenicSelection
     case moreFunctions
     case settings
+    case paymentCollection
+    case wallet
     case modulePlaceholder(uri: String, title: String)
 }
 
diff --git a/suixinkan/Features/Home/Routing/HomeMenuRouter.swift b/suixinkan/Features/Home/Routing/HomeMenuRouter.swift
index 39aaf53..cb42b03 100644
--- a/suixinkan/Features/Home/Routing/HomeMenuRouter.swift
+++ b/suixinkan/Features/Home/Routing/HomeMenuRouter.swift
@@ -81,6 +81,10 @@ enum HomeMenuRouter {
             return .destination(.settings)
         case "scenicselection":
             return .destination(.scenicSelection)
+        case "wallet":
+            return .destination(.wallet)
+        case "payment_collection", "payment_qr", "payment_code":
+            return .destination(.paymentCollection)
         case "store", "more_functions":
             return .destination(.moreFunctions)
         case "fly", "pilot_controller":
@@ -89,13 +93,9 @@ enum HomeMenuRouter {
                 title: title.isEmpty ? self.title(for: uri) : title,
                 reason: "DJI/飞控模块已明确不纳入 iOS 迁移和后续开发范围。"
             )
-        case "wallet",
-             "message_center",
+        case "message_center",
              "/scenic-queue",
              "queue_management",
-             "payment_collection",
-             "payment_qr",
-             "payment_code",
              "deposit_order_detail",
              "deposit_order",
              "deposit_order_shooting_info",
diff --git a/suixinkan/Features/Home/Views/HomeSupportViews.swift b/suixinkan/Features/Home/Views/HomeSupportViews.swift
index a9a3b6c..680816d 100644
--- a/suixinkan/Features/Home/Views/HomeSupportViews.swift
+++ b/suixinkan/Features/Home/Views/HomeSupportViews.swift
@@ -20,6 +20,10 @@ extension HomeRoute {
             HomeMoreFunctionsView()
         case .settings:
             SettingsCenterView()
+        case .paymentCollection:
+            PaymentCollectionView()
+        case .wallet:
+            WalletView()
         case let .modulePlaceholder(uri, title):
             HomeMigrationModuleView(title: title, uri: uri)
         }
diff --git a/suixinkan/Features/Payment/API/PaymentAPI.swift b/suixinkan/Features/Payment/API/PaymentAPI.swift
new file mode 100644
index 0000000..a9231b7
--- /dev/null
+++ b/suixinkan/Features/Payment/API/PaymentAPI.swift
@@ -0,0 +1,55 @@
+//
+//  PaymentAPI.swift
+//  suixinkan
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import Foundation
+import Observation
+
+/// 收款模块服务协议，定义收款码和收款记录接口能力。
+@MainActor
+protocol PaymentServing {
+    /// 获取当前景区的静态收款码和动态收款码基础 URL。
+    func payCode(scenicId: Int) async throws -> PayCodeResponse
+
+    /// 获取当前景区的扫码收款记录。
+    func paymentCollectionRecords(scenicId: Int) async throws -> PaymentCollectionRecordResponse
+}
+
+@MainActor
+@Observable
+/// 收款 API，封装首页“收款”模块需要的网络请求。
+final class PaymentAPI {
+    @ObservationIgnored private let client: APIClient
+
+    /// 初始化收款 API，并注入共享网络客户端。
+    init(client: APIClient) {
+        self.client = client
+    }
+
+    /// 获取当前景区的静态收款码和动态收款码基础 URL。
+    func payCode(scenicId: Int) async throws -> PayCodeResponse {
+        try await client.send(
+            APIRequest(
+                method: .get,
+                path: "/api/yf-handset-app/photog/pay-code",
+                queryItems: [URLQueryItem(name: "scenic_id", value: String(scenicId))]
+            )
+        )
+    }
+
+    /// 获取当前景区的扫码收款记录。
+    func paymentCollectionRecords(scenicId: Int) async throws -> PaymentCollectionRecordResponse {
+        try await client.send(
+            APIRequest(
+                method: .get,
+                path: "/api/yf-handset-app/photog/order/photo-scan-order-list",
+                queryItems: [URLQueryItem(name: "scenic_id", value: String(scenicId))]
+            )
+        )
+    }
+}
+
+extension PaymentAPI: PaymentServing {}
diff --git a/suixinkan/Features/Payment/Models/PaymentModels.swift b/suixinkan/Features/Payment/Models/PaymentModels.swift
new file mode 100644
index 0000000..3c7f8ee
--- /dev/null
+++ b/suixinkan/Features/Payment/Models/PaymentModels.swift
@@ -0,0 +1,182 @@
+//
+//  PaymentModels.swift
+//  suixinkan
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import Foundation
+
+/// 收款码响应实体，表示静态收款码 URL 和动态收款码基础 URL。
+struct PayCodeResponse: Decodable, Equatable {
+    let staticPayUrl: String
+    let dynamicPayUrl: String
+
+    /// 收款码 JSON 字段映射。
+    enum CodingKeys: String, CodingKey {
+        case staticPayUrl = "static_pay_url"
+        case dynamicPayUrl = "dynamic_pay_url"
+    }
+
+    /// 创建收款码响应实体，主要用于测试替身。
+    init(staticPayUrl: String = "", dynamicPayUrl: String = "") {
+        self.staticPayUrl = staticPayUrl
+        self.dynamicPayUrl = dynamicPayUrl
+    }
+
+    /// 自定义解码，兼容后端把 URL 字段返回为数字或空值。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        staticPayUrl = try container.decodeLossyString(forKey: .staticPayUrl)
+        dynamicPayUrl = try container.decodeLossyString(forKey: .dynamicPayUrl)
+    }
+}
+
+/// 收款记录响应实体，包含后端日汇总和原始记录列表。
+struct PaymentCollectionRecordResponse: Decodable, Equatable {
+    let analyse: [PaymentCollectionRecordAnalyseItem]
+    let list: [PaymentCollectionRecordItem]
+
+    /// 收款记录响应 JSON 字段映射。
+    enum CodingKeys: String, CodingKey {
+        case analyse
+        case list
+    }
+
+    /// 创建收款记录响应实体，主要用于测试替身。
+    init(analyse: [PaymentCollectionRecordAnalyseItem] = [], list: [PaymentCollectionRecordItem] = []) {
+        self.analyse = analyse
+        self.list = list
+    }
+
+    /// 自定义解码，兼容后端字段缺失。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        analyse = try container.decodeIfPresent([PaymentCollectionRecordAnalyseItem].self, forKey: .analyse) ?? []
+        list = try container.decodeIfPresent([PaymentCollectionRecordItem].self, forKey: .list) ?? []
+    }
+}
+
+/// 收款日汇总实体，表示某一天的收款笔数和金额。
+struct PaymentCollectionRecordAnalyseItem: Decodable, Equatable, Identifiable {
+    let date: String
+    let orderCount: Int
+    let orderAmountSum: String
+
+    var id: String { date }
+
+    /// 收款日汇总 JSON 字段映射。
+    enum CodingKeys: String, CodingKey {
+        case date
+        case orderCount = "order_count"
+        case orderAmountSum = "order_amount_sum"
+    }
+
+    /// 创建收款日汇总实体，主要用于列表兜底和测试。
+    init(date: String, orderCount: Int, orderAmountSum: String) {
+        self.date = date
+        self.orderCount = orderCount
+        self.orderAmountSum = orderAmountSum
+    }
+
+    /// 自定义解码，兼容金额和数量字段类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        date = try container.decodeLossyString(forKey: .date)
+        orderCount = try container.decodeLossyInt(forKey: .orderCount) ?? 0
+        orderAmountSum = try container.decodeLossyString(forKey: .orderAmountSum)
+    }
+}
+
+/// 收款记录实体，表示一次扫码收款订单。
+struct PaymentCollectionRecordItem: Decodable, Equatable, Identifiable {
+    let orderNumber: String
+    let userPhone: String
+    let orderAmount: String
+    let createDate: String
+    let createTime: String
+
+    var id: String {
+        orderNumber.isEmpty ? "\(createDate)-\(createTime)-\(orderAmount)" : orderNumber
+    }
+
+    /// 收款记录 JSON 字段映射。
+    enum CodingKeys: String, CodingKey {
+        case orderNumber = "order_number"
+        case userPhone = "user_phone"
+        case orderAmount = "order_amount"
+        case createDate = "create_date"
+        case createTime = "create_time"
+    }
+
+    /// 创建收款记录实体，主要用于测试替身。
+    init(orderNumber: String, userPhone: String, orderAmount: String, createDate: String, createTime: String) {
+        self.orderNumber = orderNumber
+        self.userPhone = userPhone
+        self.orderAmount = orderAmount
+        self.createDate = createDate
+        self.createTime = createTime
+    }
+
+    /// 自定义解码，兼容订单号、手机号和金额字段类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        orderNumber = try container.decodeLossyString(forKey: .orderNumber)
+        userPhone = try container.decodeLossyString(forKey: .userPhone)
+        orderAmount = try container.decodeLossyString(forKey: .orderAmount)
+        createDate = try container.decodeLossyString(forKey: .createDate)
+        createTime = try container.decodeLossyString(forKey: .createTime)
+    }
+}
+
+/// 收款记录分组实体，表示一个日期下的汇总和明细。
+struct PaymentCollectionRecordGroup: Equatable, Identifiable {
+    let analyse: PaymentCollectionRecordAnalyseItem
+    let items: [PaymentCollectionRecordItem]
+
+    var id: String { analyse.id }
+}
+
+/// 收款状态实体，表示当前动态收款轮询结果。
+enum PaymentCollectionStatus: Equatable {
+    case idle
+    case waiting
+    case success(PaymentCollectionRecordItem)
+    case failed(String)
+}
+
+private extension KeyedDecodingContainer {
+    /// 将字符串、数字或空值宽松解码为字符串。
+    func decodeLossyString(forKey key: Key) throws -> String {
+        if let value = try decodeIfPresent(String.self, forKey: key) {
+            return value
+        }
+        if let value = try decodeIfPresent(Int.self, forKey: key) {
+            return String(value)
+        }
+        if let value = try decodeIfPresent(Double.self, forKey: key) {
+            return value.truncatingRemainder(dividingBy: 1) == 0 ? String(Int(value)) : String(value)
+        }
+        return ""
+    }
+
+    /// 将字符串或数字宽松解码为整数。
+    func decodeLossyInt(forKey key: Key) throws -> Int? {
+        if let value = try decodeIfPresent(Int.self, forKey: key) {
+            return value
+        }
+        if let value = try decodeIfPresent(String.self, forKey: key) {
+            let text = value.trimmingCharacters(in: .whitespacesAndNewlines)
+            if let intValue = Int(text) {
+                return intValue
+            }
+            if let doubleValue = Double(text) {
+                return Int(doubleValue)
+            }
+        }
+        if let value = try decodeIfPresent(Double.self, forKey: key) {
+            return Int(value)
+        }
+        return nil
+    }
+}
diff --git a/suixinkan/Features/Payment/Payment.md b/suixinkan/Features/Payment/Payment.md
new file mode 100644
index 0000000..36549be
--- /dev/null
+++ b/suixinkan/Features/Payment/Payment.md
@@ -0,0 +1,25 @@
+# 收款模块
+
+## 模块职责
+
+`Features/Payment` 承接首页 `payment_collection`、`payment_qr`、`payment_code` 权限入口，负责当前景区下的收款码、动态金额二维码、收款记录和到账轮询。
+
+## 代码结构
+
+- `PaymentAPI`：封装收款码和扫码收款记录接口。
+- `PaymentCollectionViewModel`：管理收款码加载、金额校验、动态二维码生成和到账轮询。
+- `PaymentCollectionRecordViewModel`：管理收款记录加载和按日期分组。
+- `PaymentCollectionView`：展示收款码、金额弹窗、保存二维码和收款状态。
+- `PaymentCollectionRecordView`：展示收款记录明细。
+
+## 数据流
+
+1. 页面读取 `AccountContext.currentScenic`。
+2. 有景区时调用 `/api/yf-handset-app/photog/pay-code?scenic_id=...` 获取收款码。
+3. 设置金额后基于动态收款码 URL 追加 `amount` 和可选 `remark`，生成二维码。
+4. 开始轮询 `/api/yf-handset-app/photog/order/photo-scan-order-list?scenic_id=...`，最多 60 次，每 2 秒一次。
+5. 命中新收款记录后进入成功态，并使用系统语音播报到账金额。
+
+## 缓存边界
+
+收款码 URL、付款状态、轮询结果不落盘。保存二维码只写入系统相册，App 不额外缓存图片文件或 Data。
diff --git a/suixinkan/Features/Payment/ViewModels/PaymentViewModel.swift b/suixinkan/Features/Payment/ViewModels/PaymentViewModel.swift
new file mode 100644
index 0000000..b1fa072
--- /dev/null
+++ b/suixinkan/Features/Payment/ViewModels/PaymentViewModel.swift
@@ -0,0 +1,246 @@
+//
+//  PaymentViewModel.swift
+//  suixinkan
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import CoreImage
+import CoreImage.CIFilterBuiltins
+import Foundation
+import Observation
+import UIKit
+
+@MainActor
+@Observable
+/// 收款页 ViewModel，管理收款码加载、动态金额二维码和到账轮询。
+final class PaymentCollectionViewModel {
+    var staticPayUrl = ""
+    var dynamicPayUrl = ""
+    var amountText = ""
+    var remarkText = ""
+    var currentPayUrl = ""
+    var qrImage: UIImage?
+    var isLoading = false
+    var isPolling = false
+    var errorMessage: String?
+    var status: PaymentCollectionStatus = .idle
+
+    private var knownRecordIDs = Set<String>()
+    private let context = CIContext()
+    private let qrFilter = CIFilter.qrCodeGenerator()
+
+    /// 当前静态收款码是否可展示。
+    var hasStaticPayCode: Bool {
+        !staticPayUrl.paymentTrimmed.isEmpty
+    }
+
+    /// 加载当前景区收款码，无景区时清空收款状态。
+    func loadPayCode(api: PaymentServing, scenicId: Int?) async {
+        guard let scenicId else {
+            resetPayCode()
+            errorMessage = "请先选择景区"
+            return
+        }
+
+        isLoading = true
+        errorMessage = nil
+        defer { isLoading = false }
+
+        do {
+            let response = try await api.payCode(scenicId: scenicId)
+            staticPayUrl = response.staticPayUrl
+            dynamicPayUrl = response.dynamicPayUrl
+            currentPayUrl = response.staticPayUrl
+            qrImage = makeQRCode(from: currentPayUrl)
+            status = .idle
+        } catch {
+            errorMessage = error.localizedDescription
+        }
+    }
+
+    /// 根据输入金额和备注生成动态二维码 URL。
+    @discardableResult
+    func applyDynamicAmount() -> Bool {
+        guard let amount = Self.normalizedMoney(amountText), Decimal(string: amount) ?? 0 > 0 else {
+            errorMessage = "请输入有效收款金额"
+            return false
+        }
+        guard !dynamicPayUrl.paymentTrimmed.isEmpty else {
+            errorMessage = "动态收款码暂不可用"
+            return false
+        }
+
+        var components = URLComponents(string: dynamicPayUrl)
+        var queryItems = components?.queryItems ?? []
+        queryItems.removeAll { $0.name == "amount" || $0.name == "remark" }
+        queryItems.append(URLQueryItem(name: "amount", value: amount))
+        if !remarkText.paymentTrimmed.isEmpty {
+            queryItems.append(URLQueryItem(name: "remark", value: remarkText.paymentTrimmed))
+        }
+        components?.queryItems = queryItems
+        currentPayUrl = components?.url?.absoluteString ?? "\(dynamicPayUrl)&amount=\(amount)"
+        qrImage = makeQRCode(from: currentPayUrl)
+        amountText = amount
+        status = .waiting
+        return true
+    }
+
+    /// 记录当前已知收款记录，轮询时只把新增记录判定为本次到账。
+    func primePaymentRecords(api: PaymentServing, scenicId: Int?) async {
+        guard let scenicId else { return }
+        if let response = try? await api.paymentCollectionRecords(scenicId: scenicId) {
+            knownRecordIDs = Set(response.list.map(\.id))
+        }
+    }
+
+    /// 轮询收款记录，命中新记录后进入成功态。
+    func pollUntilPaymentDetected(
+        api: PaymentServing,
+        scenicId: Int?,
+        maxAttempts: Int = 60,
+        intervalNanoseconds: UInt64 = 2_000_000_000
+    ) async {
+        guard let scenicId else {
+            status = .failed("请先选择景区")
+            return
+        }
+        guard maxAttempts > 0 else { return }
+
+        isPolling = true
+        defer { isPolling = false }
+
+        for attempt in 0 ..< maxAttempts {
+            if Task.isCancelled { return }
+            do {
+                let response = try await api.paymentCollectionRecords(scenicId: scenicId)
+                if let item = matchedNewRecord(in: response.list) {
+                    knownRecordIDs.insert(item.id)
+                    status = .success(item)
+                    return
+                }
+            } catch {
+                status = .failed(error.localizedDescription)
+                return
+            }
+            if attempt < maxAttempts - 1 {
+                try? await Task.sleep(nanoseconds: intervalNanoseconds)
+            }
+        }
+        status = .failed("暂未查询到到账记录，请稍后刷新收款记录")
+    }
+
+    /// 清空收款码和轮询状态。
+    func resetPayCode() {
+        staticPayUrl = ""
+        dynamicPayUrl = ""
+        currentPayUrl = ""
+        qrImage = nil
+        knownRecordIDs = []
+        status = .idle
+    }
+
+    /// 将输入金额规范成最多两位小数。
+    static func normalizedMoney(_ rawValue: String) -> String? {
+        let text = rawValue.trimmingCharacters(in: .whitespacesAndNewlines)
+        guard !text.isEmpty else { return nil }
+        let sanitized = text.replacingOccurrences(of: ",", with: "")
+        guard let decimal = Decimal(string: sanitized), decimal > 0 else { return nil }
+        let number = NSDecimalNumber(decimal: decimal)
+        let handler = NSDecimalNumberHandler(
+            roundingMode: .plain,
+            scale: 2,
+            raiseOnExactness: false,
+            raiseOnOverflow: false,
+            raiseOnUnderflow: false,
+            raiseOnDivideByZero: false
+        )
+        return number.rounding(accordingToBehavior: handler).stringValue
+    }
+
+    /// 从收款记录中找到本次动态收款对应的新记录。
+    private func matchedNewRecord(in records: [PaymentCollectionRecordItem]) -> PaymentCollectionRecordItem? {
+        let newRecords = records.filter { !knownRecordIDs.contains($0.id) }
+        guard !newRecords.isEmpty else { return nil }
+        guard let amount = Self.normalizedMoney(amountText) else {
+            return newRecords.first
+        }
+        return newRecords.first { Self.normalizedMoney($0.orderAmount) == amount } ?? newRecords.first
+    }
+
+    /// 生成二维码图片，保存相册和页面预览都使用同一张图。
+    private func makeQRCode(from text: String) -> UIImage? {
+        guard !text.paymentTrimmed.isEmpty,
+              let data = text.data(using: .utf8) else {
+            return nil
+        }
+        qrFilter.setValue(data, forKey: "inputMessage")
+        qrFilter.setValue("M", forKey: "inputCorrectionLevel")
+        guard let output = qrFilter.outputImage else { return nil }
+        let transformed = output.transformed(by: CGAffineTransform(scaleX: 10, y: 10))
+        guard let cgImage = context.createCGImage(transformed, from: transformed.extent) else { return nil }
+        return UIImage(cgImage: cgImage)
+    }
+}
+
+private extension String {
+    /// 收款模块内部使用的去空白文本，避免依赖其他文件的 fileprivate 扩展。
+    var paymentTrimmed: String {
+        trimmingCharacters(in: .whitespacesAndNewlines)
+    }
+}
+
+@MainActor
+@Observable
+/// 收款记录 ViewModel，管理收款记录加载、日期分组和汇总兜底。
+final class PaymentCollectionRecordViewModel {
+    var groups: [PaymentCollectionRecordGroup] = []
+    var isLoading = false
+    var errorMessage: String?
+
+    /// 加载当前景区收款记录，无景区时不请求接口。
+    func load(api: PaymentServing, scenicId: Int?) async {
+        guard let scenicId else {
+            groups = []
+            errorMessage = "请先选择景区"
+            return
+        }
+
+        isLoading = true
+        errorMessage = nil
+        defer { isLoading = false }
+
+        do {
+            let response = try await api.paymentCollectionRecords(scenicId: scenicId)
+            groups = Self.makeGroups(from: response)
+        } catch {
+            errorMessage = error.localizedDescription
+        }
+    }
+
+    /// 将后端响应转换为可展示日期分组，缺少 analyse 时从 list 兜底生成汇总。
+    static func makeGroups(from response: PaymentCollectionRecordResponse) -> [PaymentCollectionRecordGroup] {
+        if !response.analyse.isEmpty {
+            return response.analyse.map { analyse in
+                PaymentCollectionRecordGroup(
+                    analyse: analyse,
+                    items: response.list.filter { $0.createDate == analyse.date }
+                )
+            }
+        }
+
+        let grouped = Dictionary(grouping: response.list, by: \.createDate)
+        return grouped.keys.sorted(by: >).map { date in
+            let items = grouped[date] ?? []
+            let total = items.reduce(Decimal(0)) { partial, item in
+                partial + (Decimal(string: item.orderAmount) ?? 0)
+            }
+            let analyse = PaymentCollectionRecordAnalyseItem(
+                date: date,
+                orderCount: items.count,
+                orderAmountSum: NSDecimalNumber(decimal: total).stringValue
+            )
+            return PaymentCollectionRecordGroup(analyse: analyse, items: items)
+        }
+    }
+}
diff --git a/suixinkan/Features/Payment/Views/PaymentCollectionView.swift b/suixinkan/Features/Payment/Views/PaymentCollectionView.swift
new file mode 100644
index 0000000..0166a27
--- /dev/null
+++ b/suixinkan/Features/Payment/Views/PaymentCollectionView.swift
@@ -0,0 +1,325 @@
+//
+//  PaymentCollectionView.swift
+//  suixinkan
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import AVFoundation
+import Photos
+import SwiftUI
+
+/// 收款页，展示静态收款码、动态金额收款和收款记录入口。
+struct PaymentCollectionView: View {
+    @Environment(AccountContext.self) private var accountContext
+    @Environment(PaymentAPI.self) private var paymentAPI
+    @Environment(ToastCenter.self) private var toastCenter
+
+    @State private var viewModel = PaymentCollectionViewModel()
+    @State private var showingAmountSheet = false
+    @State private var pollingTask: Task<Void, Never>?
+    @State private var speaker = PaymentVoiceSpeaker()
+
+    var body: some View {
+        ScrollView {
+            VStack(spacing: AppMetrics.Spacing.medium) {
+                contextHeader
+                qrCard
+                actionGrid
+                statusCard
+            }
+            .padding(.horizontal, AppMetrics.Spacing.pageHorizontal)
+            .padding(.vertical, AppMetrics.Spacing.pageVertical)
+        }
+        .background(Color(hex: 0xF5F7FA))
+        .navigationTitle("立即收款")
+        .navigationBarTitleDisplayMode(.inline)
+        .toolbar {
+            ToolbarItem(placement: .topBarTrailing) {
+                NavigationLink {
+                    PaymentCollectionRecordView()
+                } label: {
+                    Image(systemName: "list.bullet.rectangle")
+                }
+            }
+        }
+        .task(id: accountContext.currentScenic?.id) {
+            await viewModel.loadPayCode(api: paymentAPI, scenicId: accountContext.currentScenic?.id)
+        }
+        .sheet(isPresented: $showingAmountSheet) {
+            amountSheet
+                .presentationDetents([.medium])
+        }
+        .onDisappear {
+            pollingTask?.cancel()
+        }
+        .onChange(of: viewModel.errorMessage) { _, message in
+            if let message {
+                toastCenter.show(message)
+            }
+        }
+        .onChange(of: viewModel.status) { _, status in
+            if case .success(let item) = status {
+                speaker.speak("收款到账\(item.orderAmount)元")
+            }
+        }
+    }
+
+    /// 景区上下文展示区。
+    private var contextHeader: some View {
+        HStack(spacing: AppMetrics.Spacing.small) {
+            Image(systemName: "mappin.and.ellipse")
+                .foregroundStyle(AppDesign.primary)
+            VStack(alignment: .leading, spacing: AppMetrics.Spacing.xxxSmall) {
+                Text(accountContext.currentScenic?.name ?? "未选择景区")
+                    .font(.system(size: AppMetrics.FontSize.body, weight: .semibold))
+                    .foregroundStyle(AppDesign.textPrimary)
+                Text("收款记录按当前景区查询")
+                    .font(.system(size: AppMetrics.FontSize.caption))
+                    .foregroundStyle(AppDesign.textSecondary)
+            }
+            Spacer()
+        }
+        .padding(AppMetrics.Spacing.medium)
+        .background(.white, in: RoundedRectangle(cornerRadius: 8))
+    }
+
+    /// 二维码展示卡片。
+    private var qrCard: some View {
+        VStack(spacing: AppMetrics.Spacing.medium) {
+            if viewModel.isLoading {
+                ProgressView()
+                    .frame(width: 220, height: 220)
+            } else if let image = viewModel.qrImage {
+                Image(uiImage: image)
+                    .interpolation(.none)
+                    .resizable()
+                    .scaledToFit()
+                    .frame(width: 220, height: 220)
+                    .background(.white)
+            } else {
+                VStack(spacing: AppMetrics.Spacing.small) {
+                    Image(systemName: "qrcode")
+                        .font(.system(size: 56, weight: .semibold))
+                        .foregroundStyle(AppDesign.placeholder)
+                    Text("暂无收款码")
+                        .font(.system(size: AppMetrics.FontSize.subheadline))
+                        .foregroundStyle(AppDesign.textSecondary)
+                }
+                .frame(width: 220, height: 220)
+            }
+
+            Text(viewModel.currentPayUrl.isEmpty ? "请先加载收款码" : "向客户展示二维码完成收款")
+                .font(.system(size: AppMetrics.FontSize.subheadline))
+                .foregroundStyle(AppDesign.textSecondary)
+                .multilineTextAlignment(.center)
+        }
+        .frame(maxWidth: .infinity)
+        .padding(AppMetrics.Spacing.large)
+        .background(.white, in: RoundedRectangle(cornerRadius: 8))
+    }
+
+    /// 收款操作按钮区。
+    private var actionGrid: some View {
+        HStack(spacing: AppMetrics.Spacing.small) {
+            paymentActionButton(title: "设置金额", icon: "yensign.circle.fill") {
+                showingAmountSheet = true
+            }
+            paymentActionButton(title: "保存二维码", icon: "square.and.arrow.down") {
+                saveQRCode()
+            }
+            paymentActionButton(title: "刷新", icon: "arrow.clockwise") {
+                Task { await viewModel.loadPayCode(api: paymentAPI, scenicId: accountContext.currentScenic?.id) }
+            }
+        }
+    }
+
+    /// 当前收款状态展示卡。
+    @ViewBuilder
+    private var statusCard: some View {
+        switch viewModel.status {
+        case .idle:
+            EmptyView()
+        case .waiting:
+            HStack(spacing: AppMetrics.Spacing.small) {
+                ProgressView()
+                Text("等待付款到账...")
+                    .font(.system(size: AppMetrics.FontSize.subheadline, weight: .medium))
+            }
+            .frame(maxWidth: .infinity, alignment: .leading)
+            .padding(AppMetrics.Spacing.medium)
+            .background(.white, in: RoundedRectangle(cornerRadius: 8))
+        case .success(let item):
+            VStack(alignment: .leading, spacing: AppMetrics.Spacing.xSmall) {
+                Label("收款成功", systemImage: "checkmark.circle.fill")
+                    .font(.system(size: AppMetrics.FontSize.body, weight: .semibold))
+                    .foregroundStyle(AppDesign.success)
+                Text("订单号：\(item.orderNumber)")
+                Text("金额：¥\(item.orderAmount)")
+            }
+            .font(.system(size: AppMetrics.FontSize.subheadline))
+            .foregroundStyle(AppDesign.textPrimary)
+            .frame(maxWidth: .infinity, alignment: .leading)
+            .padding(AppMetrics.Spacing.medium)
+            .background(.white, in: RoundedRectangle(cornerRadius: 8))
+        case .failed(let message):
+            Text(message)
+                .font(.system(size: AppMetrics.FontSize.subheadline))
+                .foregroundStyle(AppDesign.warning)
+                .frame(maxWidth: .infinity, alignment: .leading)
+                .padding(AppMetrics.Spacing.medium)
+                .background(.white, in: RoundedRectangle(cornerRadius: 8))
+        }
+    }
+
+    /// 设置金额弹窗。
+    private var amountSheet: some View {
+        VStack(alignment: .leading, spacing: AppMetrics.Spacing.medium) {
+            Text("设置收款金额")
+                .font(.system(size: AppMetrics.FontSize.title3, weight: .semibold))
+                .foregroundStyle(AppDesign.textPrimary)
+
+            TextField("请输入金额", text: $viewModel.amountText)
+                .keyboardType(.decimalPad)
+                .appInputFieldStyle(cornerRadius: 8, minHeight: AppMetrics.ControlSize.inputHeight)
+
+            TextField("备注，可不填", text: $viewModel.remarkText)
+                .appInputFieldStyle(cornerRadius: 8, minHeight: AppMetrics.ControlSize.inputHeight)
+
+            Button {
+                if viewModel.applyDynamicAmount() {
+                    showingAmountSheet = false
+                    startPolling()
+                } else if let message = viewModel.errorMessage {
+                    toastCenter.show(message)
+                }
+            } label: {
+                Text("生成动态二维码")
+                    .font(.system(size: AppMetrics.FontSize.body, weight: .semibold))
+                    .frame(maxWidth: .infinity, minHeight: AppMetrics.ControlSize.primaryButtonHeight)
+                    .foregroundStyle(.white)
+                    .background(AppDesign.primary, in: RoundedRectangle(cornerRadius: 8))
+            }
+        }
+        .padding(AppMetrics.Spacing.large)
+    }
+
+    /// 生成操作按钮。
+    private func paymentActionButton(title: String, icon: String, action: @escaping () -> Void) -> some View {
+        Button(action: action) {
+            VStack(spacing: AppMetrics.Spacing.xSmall) {
+                Image(systemName: icon)
+                    .font(.system(size: 22, weight: .semibold))
+                Text(title)
+                    .font(.system(size: AppMetrics.FontSize.footnote, weight: .medium))
+            }
+            .foregroundStyle(AppDesign.primary)
+            .frame(maxWidth: .infinity, minHeight: 76)
+            .background(.white, in: RoundedRectangle(cornerRadius: 8))
+        }
+    }
+
+    /// 启动本次动态收款轮询。
+    private func startPolling() {
+        pollingTask?.cancel()
+        pollingTask = Task {
+            await viewModel.primePaymentRecords(api: paymentAPI, scenicId: accountContext.currentScenic?.id)
+            await viewModel.pollUntilPaymentDetected(api: paymentAPI, scenicId: accountContext.currentScenic?.id)
+        }
+    }
+
+    /// 保存当前二维码到系统相册。
+    private func saveQRCode() {
+        guard let image = viewModel.qrImage else {
+            toastCenter.show("暂无可保存二维码")
+            return
+        }
+        PHPhotoLibrary.requestAuthorization(for: .addOnly) { status in
+            guard status == .authorized || status == .limited else {
+                Task { @MainActor in toastCenter.show("请允许添加照片权限") }
+                return
+            }
+            PHPhotoLibrary.shared().performChanges {
+                PHAssetChangeRequest.creationRequestForAsset(from: image)
+            } completionHandler: { success, error in
+                Task { @MainActor in
+                    toastCenter.show(success ? "二维码已保存" : (error?.localizedDescription ?? "保存失败"))
+                }
+            }
+        }
+    }
+}
+
+/// 收款记录页，按日期展示扫码收款明细。
+struct PaymentCollectionRecordView: View {
+    @Environment(AccountContext.self) private var accountContext
+    @Environment(PaymentAPI.self) private var paymentAPI
+    @Environment(ToastCenter.self) private var toastCenter
+    @State private var viewModel = PaymentCollectionRecordViewModel()
+
+    var body: some View {
+        List {
+            if viewModel.isLoading {
+                ProgressView()
+                    .frame(maxWidth: .infinity)
+            }
+            ForEach(viewModel.groups) { group in
+                Section {
+                    ForEach(group.items) { item in
+                        VStack(alignment: .leading, spacing: AppMetrics.Spacing.xxSmall) {
+                            HStack {
+                                Text("¥\(item.orderAmount)")
+                                    .font(.system(size: AppMetrics.FontSize.body, weight: .semibold))
+                                Spacer()
+                                Text(item.createTime)
+                                    .font(.system(size: AppMetrics.FontSize.caption))
+                                    .foregroundStyle(AppDesign.textSecondary)
+                            }
+                            Text(item.orderNumber)
+                                .font(.system(size: AppMetrics.FontSize.footnote))
+                                .foregroundStyle(AppDesign.textSecondary)
+                            Text(item.userPhone)
+                                .font(.system(size: AppMetrics.FontSize.footnote))
+                                .foregroundStyle(AppDesign.textSecondary)
+                        }
+                        .padding(.vertical, AppMetrics.Spacing.xxSmall)
+                    }
+                } header: {
+                    HStack {
+                        Text(group.analyse.date)
+                        Spacer()
+                        Text("\(group.analyse.orderCount)笔 ¥\(group.analyse.orderAmountSum)")
+                    }
+                }
+            }
+        }
+        .navigationTitle("收款记录")
+        .navigationBarTitleDisplayMode(.inline)
+        .refreshable {
+            await viewModel.load(api: paymentAPI, scenicId: accountContext.currentScenic?.id)
+        }
+        .task(id: accountContext.currentScenic?.id) {
+            await viewModel.load(api: paymentAPI, scenicId: accountContext.currentScenic?.id)
+        }
+        .onChange(of: viewModel.errorMessage) { _, message in
+            if let message {
+                toastCenter.show(message)
+            }
+        }
+    }
+}
+
+/// 收款语音播报服务，使用系统 TTS 播报到账提示。
+@MainActor
+@Observable
+final class PaymentVoiceSpeaker {
+    @ObservationIgnored private let synthesizer = AVSpeechSynthesizer()
+
+    /// 播报指定中文文案。
+    func speak(_ text: String) {
+        let utterance = AVSpeechUtterance(string: text)
+        utterance.voice = AVSpeechSynthesisVoice(language: "zh-CN")
+        utterance.rate = 0.5
+        synthesizer.speak(utterance)
+    }
+}
diff --git a/suixinkan/Features/Wallet/API/WalletAPI.swift b/suixinkan/Features/Wallet/API/WalletAPI.swift
new file mode 100644
index 0000000..f17cabf
--- /dev/null
+++ b/suixinkan/Features/Wallet/API/WalletAPI.swift
@@ -0,0 +1,204 @@
+//
+//  WalletAPI.swift
+//  suixinkan
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import Foundation
+import Observation
+
+/// 钱包模块服务协议，定义钱包、提现、银行卡和积分接口能力。
+@MainActor
+protocol WalletServing {
+    /// 获取钱包汇总数据。
+    func walletSummary(type: Int) async throws -> WalletSummaryResponse
+
+    /// 获取钱包收益明细分页。
+    func walletEarningDetail(startDate: String, endDate: String, page: Int, pageSize: Int) async throws -> WalletEarningDetailResponse
+
+    /// 获取提现记录分页。
+    func walletWithdrawList(page: Int, pageSize: Int) async throws -> WalletWithdrawListResponse
+
+    /// 获取提现申请所需信息。
+    func withdrawInfo() async throws -> WithdrawInfoResponse
+
+    /// 发送提现短信验证码。
+    func withdrawSendSms() async throws
+
+    /// 提交提现申请。
+    func withdrawApply(amount: String, smsCode: String) async throws
+
+    /// 获取银行卡审核和资料信息。
+    func bankCardInfo() async throws -> BankCardInfoResponse
+
+    /// 获取银行列表。
+    func bankList() async throws -> BankListResponse
+
+    /// 获取省市区列表。
+    func areas() async throws -> [AreaNode]
+
+    /// 发送银行卡设置短信验证码。
+    func bankCardVerifyCode() async throws
+
+    /// 更新银行卡资料。
+    func updateBankInfo(_ request: UpdateBankInfoRequest) async throws
+
+    /// 获取积分概览。
+    func pointOverview(staffId: Int) async throws -> PointOverviewResponse
+
+    /// 提交积分兑换申请。
+    func pointWithdrawApply(points: Int, remark: String) async throws
+
+    /// 获取积分兑换记录。
+    func pointWithdrawList(status: Int?, page: Int, pageSize: Int) async throws -> PointWithdrawListResponse
+}
+
+@MainActor
+@Observable
+/// 钱包 API，封装个人钱包、提现、银行卡和积分兑换网络请求。
+final class WalletAPI {
+    @ObservationIgnored private let client: APIClient
+
+    /// 初始化钱包 API，并注入共享网络客户端。
+    init(client: APIClient) {
+        self.client = client
+    }
+
+    /// 获取钱包汇总数据。
+    func walletSummary(type: Int = 0) async throws -> WalletSummaryResponse {
+        try await client.send(
+            APIRequest(
+                method: .get,
+                path: "/api/yf-handset-app/photog/wallet/summary",
+                queryItems: [URLQueryItem(name: "type", value: String(type))]
+            )
+        )
+    }
+
+    /// 获取钱包收益明细分页。
+    func walletEarningDetail(startDate: String, endDate: String, page: Int, pageSize: Int) async throws -> WalletEarningDetailResponse {
+        try await client.send(
+            APIRequest(
+                method: .get,
+                path: "/api/yf-handset-app/photog/wallet/earning-detail",
+                queryItems: [
+                    URLQueryItem(name: "start_date", value: startDate),
+                    URLQueryItem(name: "end_date", value: endDate),
+                    URLQueryItem(name: "page", value: String(page)),
+                    URLQueryItem(name: "page_size", value: String(pageSize))
+                ]
+            )
+        )
+    }
+
+    /// 获取提现记录分页。
+    func walletWithdrawList(page: Int, pageSize: Int) async throws -> WalletWithdrawListResponse {
+        try await client.send(
+            APIRequest(
+                method: .get,
+                path: "/api/yf-handset-app/photog/wallet/withdraw-list",
+                queryItems: [
+                    URLQueryItem(name: "page", value: String(page)),
+                    URLQueryItem(name: "page_size", value: String(pageSize))
+                ]
+            )
+        )
+    }
+
+    /// 获取提现申请所需信息。
+    func withdrawInfo() async throws -> WithdrawInfoResponse {
+        try await client.send(
+            APIRequest(method: .get, path: "/api/yf-handset-app/photog/wallet/withdraw-info")
+        )
+    }
+
+    /// 发送提现短信验证码。
+    func withdrawSendSms() async throws {
+        let _: EmptyPayload = try await client.send(
+            APIRequest(method: .post, path: "/api/yf-handset-app/photog/wallet/withdraw-send-sms", body: EmptyPayload())
+        )
+    }
+
+    /// 提交提现申请。
+    func withdrawApply(amount: String, smsCode: String) async throws {
+        let _: EmptyPayload = try await client.send(
+            APIRequest(
+                method: .post,
+                path: "/api/yf-handset-app/photog/wallet/withdraw-apply",
+                body: WithdrawApplyRequest(amount: amount, smsCode: smsCode)
+            )
+        )
+    }
+
+    /// 获取银行卡审核和资料信息。
+    func bankCardInfo() async throws -> BankCardInfoResponse {
+        try await client.send(
+            APIRequest(method: .get, path: "/api/yf-handset-app/photog/wallet/bank-card/info")
+        )
+    }
+
+    /// 获取银行列表。
+    func bankList() async throws -> BankListResponse {
+        try await client.send(
+            APIRequest(method: .get, path: "/api/yf-handset-app/photog/wallet/bank-list")
+        )
+    }
+
+    /// 获取省市区列表。
+    func areas() async throws -> [AreaNode] {
+        try await client.send(
+            APIRequest(method: .get, path: "/api/app/config/areas")
+        )
+    }
+
+    /// 发送银行卡设置短信验证码。
+    func bankCardVerifyCode() async throws {
+        let _: EmptyPayload = try await client.send(
+            APIRequest(method: .post, path: "/api/yf-handset-app/photog/wallet/bank-card/sms-verify-code", body: EmptyPayload())
+        )
+    }
+
+    /// 更新银行卡资料。
+    func updateBankInfo(_ request: UpdateBankInfoRequest) async throws {
+        let _: EmptyPayload = try await client.send(
+            APIRequest(method: .post, path: "/api/yf-handset-app/photog/wallet/bank-card/update", body: request)
+        )
+    }
+
+    /// 获取积分概览。
+    func pointOverview(staffId: Int) async throws -> PointOverviewResponse {
+        try await client.send(
+            APIRequest(
+                method: .post,
+                path: "/api/yf-handset-app/photog/point/overview",
+                queryItems: [URLQueryItem(name: "staff_id", value: String(staffId))],
+                body: EmptyPayload()
+            )
+        )
+    }
+
+    /// 提交积分兑换申请。
+    func pointWithdrawApply(points: Int, remark: String = "积分提现申请") async throws {
+        let _: EmptyPayload = try await client.send(
+            APIRequest(
+                method: .post,
+                path: "/api/yf-handset-app/photog/point/withdraw/apply",
+                body: PointWithdrawApplyRequest(points: points, remark: remark)
+            )
+        )
+    }
+
+    /// 获取积分兑换记录。
+    func pointWithdrawList(status: Int? = nil, page: Int, pageSize: Int) async throws -> PointWithdrawListResponse {
+        try await client.send(
+            APIRequest(
+                method: .post,
+                path: "/api/yf-handset-app/photog/point/withdraw/list",
+                body: PointWithdrawListRequest(status: status, page: page, pageSize: pageSize)
+            )
+        )
+    }
+}
+
+extension WalletAPI: WalletServing {}
diff --git a/suixinkan/Features/Wallet/Models/WalletModels.swift b/suixinkan/Features/Wallet/Models/WalletModels.swift
new file mode 100644
index 0000000..d711321
--- /dev/null
+++ b/suixinkan/Features/Wallet/Models/WalletModels.swift
@@ -0,0 +1,604 @@
+//
+//  WalletModels.swift
+//  suixinkan
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import Foundation
+
+/// 钱包汇总响应实体，表示累计收益、当前余额和可提现金额。
+struct WalletSummaryResponse: Decodable, Equatable {
+    let amountTotal: String
+    let amountCurrentBalance: String
+    let amountWithdrawable: String
+
+    enum CodingKeys: String, CodingKey {
+        case amountTotal = "amount_total"
+        case amountCurrentBalance = "amount_current_balance"
+        case amountWithdrawable = "amount_withdrawable"
+    }
+
+    /// 创建钱包汇总响应实体，主要用于测试和空状态。
+    init(amountTotal: String = "0.00", amountCurrentBalance: String = "0.00", amountWithdrawable: String = "0.00") {
+        self.amountTotal = amountTotal
+        self.amountCurrentBalance = amountCurrentBalance
+        self.amountWithdrawable = amountWithdrawable
+    }
+
+    /// 自定义解码，兼容金额字段类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        amountTotal = try container.decodeLossyString(forKey: .amountTotal)
+        amountCurrentBalance = try container.decodeLossyString(forKey: .amountCurrentBalance)
+        amountWithdrawable = try container.decodeLossyString(forKey: .amountWithdrawable)
+    }
+}
+
+/// 钱包收益明细响应实体，表示日分组收益和分页总数。
+struct WalletEarningDetailResponse: Decodable, Equatable {
+    let totalAmount: String
+    let totalPoints: Int
+    let total: Int
+    let list: [WalletEarningDetailGroup]
+
+    enum CodingKeys: String, CodingKey {
+        case totalAmount = "total_amount"
+        case totalPoints = "total_points"
+        case total
+        case list
+    }
+
+    /// 创建收益明细响应实体，主要用于测试替身。
+    init(totalAmount: String = "0.00", totalPoints: Int = 0, total: Int = 0, list: [WalletEarningDetailGroup] = []) {
+        self.totalAmount = totalAmount
+        self.totalPoints = totalPoints
+        self.total = total
+        self.list = list
+    }
+
+    /// 自定义解码，兼容后端字段缺失和类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        totalAmount = try container.decodeLossyString(forKey: .totalAmount)
+        totalPoints = try container.decodeLossyInt(forKey: .totalPoints) ?? 0
+        total = try container.decodeLossyInt(forKey: .total) ?? 0
+        list = try container.decodeIfPresent([WalletEarningDetailGroup].self, forKey: .list) ?? []
+    }
+}
+
+/// 钱包收益日分组实体，表示某一天的收益、积分和明细。
+struct WalletEarningDetailGroup: Decodable, Equatable, Identifiable {
+    let date: String
+    let dayAmount: String
+    let dayPoints: Int
+    let items: [WalletEarningDetailItem]
+
+    var id: String { date }
+
+    enum CodingKeys: String, CodingKey {
+        case date
+        case dayAmount = "day_amount"
+        case dayPoints = "day_points"
+        case items
+    }
+
+    /// 创建收益日分组实体，主要用于测试替身。
+    init(date: String, dayAmount: String = "0.00", dayPoints: Int = 0, items: [WalletEarningDetailItem] = []) {
+        self.date = date
+        self.dayAmount = dayAmount
+        self.dayPoints = dayPoints
+        self.items = items
+    }
+
+    /// 自定义解码，兼容后端字段缺失和类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        date = try container.decodeLossyString(forKey: .date)
+        dayAmount = try container.decodeLossyString(forKey: .dayAmount)
+        dayPoints = try container.decodeLossyInt(forKey: .dayPoints) ?? 0
+        items = try container.decodeIfPresent([WalletEarningDetailItem].self, forKey: .items) ?? []
+    }
+}
+
+/// 钱包收益明细实体，表示一笔订单收益或积分来源。
+struct WalletEarningDetailItem: Decodable, Equatable, Identifiable {
+    let id: Int64
+    let amount: String
+    let points: Int
+    let type: Int
+    let typeLabel: String
+    let orderNumberSuffix: String
+    let createdAt: String
+    let withdrawLabel: String?
+    let source: String?
+
+    enum CodingKeys: String, CodingKey {
+        case id
+        case amount
+        case points
+        case type
+        case typeLabel = "type_label"
+        case orderNumberSuffix = "order_number_suffix"
+        case createdAt = "created_at"
+        case withdrawLabel = "withdraw_label"
+        case source
+    }
+
+    /// 自定义解码，兼容字段类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        id = Int64(try container.decodeLossyInt(forKey: .id) ?? 0)
+        amount = try container.decodeLossyString(forKey: .amount)
+        points = try container.decodeLossyInt(forKey: .points) ?? 0
+        type = try container.decodeLossyInt(forKey: .type) ?? 0
+        typeLabel = try container.decodeLossyString(forKey: .typeLabel)
+        orderNumberSuffix = try container.decodeLossyString(forKey: .orderNumberSuffix)
+        createdAt = try container.decodeLossyString(forKey: .createdAt)
+        withdrawLabel = try container.decodeIfPresent(String.self, forKey: .withdrawLabel)
+        source = try container.decodeIfPresent(String.self, forKey: .source)
+    }
+}
+
+/// 钱包提现记录响应实体，表示提现分页列表。
+struct WalletWithdrawListResponse: Decodable, Equatable {
+    let total: Int
+    let item: [WalletWithdrawRecord]
+
+    enum CodingKeys: String, CodingKey {
+        case total
+        case item
+    }
+
+    /// 创建提现记录响应实体，主要用于测试替身。
+    init(total: Int = 0, item: [WalletWithdrawRecord] = []) {
+        self.total = total
+        self.item = item
+    }
+
+    /// 自定义解码，兼容 total 字段类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        total = try container.decodeLossyInt(forKey: .total) ?? 0
+        item = try container.decodeIfPresent([WalletWithdrawRecord].self, forKey: .item) ?? []
+    }
+}
+
+/// 钱包提现记录实体，表示一笔提现申请。
+struct WalletWithdrawRecord: Decodable, Equatable, Identifiable {
+    let id: Int64
+    let amount: String
+    let createdAt: String
+    let statusLabel: String
+    let expectedAt: String?
+    let auditTime: String?
+    let completedAt: String?
+
+    enum CodingKeys: String, CodingKey {
+        case id
+        case amount
+        case createdAt = "created_at"
+        case statusLabel = "status_label"
+        case expectedAt = "expected_at"
+        case auditTime = "audit_time"
+        case completedAt = "completed_at"
+    }
+
+    /// 自定义解码，兼容字段类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        id = Int64(try container.decodeLossyInt(forKey: .id) ?? 0)
+        amount = try container.decodeLossyString(forKey: .amount)
+        createdAt = try container.decodeLossyString(forKey: .createdAt)
+        statusLabel = try container.decodeLossyString(forKey: .statusLabel)
+        expectedAt = try container.decodeIfPresent(String.self, forKey: .expectedAt)
+        auditTime = try container.decodeIfPresent(String.self, forKey: .auditTime)
+        completedAt = try container.decodeIfPresent(String.self, forKey: .completedAt)
+    }
+}
+
+/// 银行卡信息响应实体，包裹当前银行卡资料。
+struct BankCardInfoResponse: Decodable, Equatable {
+    let bankCard: WalletBankCardInfo?
+
+    enum CodingKeys: String, CodingKey {
+        case bankCard = "bank_card"
+    }
+}
+
+/// 钱包银行卡实体，表示银行卡资料和审核状态。
+struct WalletBankCardInfo: Decodable, Equatable, Identifiable {
+    var id: String { cardNumber }
+    let realName: String
+    let bankName: String
+    let branchName: String
+    let cardNumber: String
+    let frontUrl: String?
+    let backUrl: String?
+    let provinceCode: String?
+    let cityCode: String?
+    let rejectReason: String?
+    let auditStatus: Int
+    let auditStatusLabel: String
+
+    enum CodingKeys: String, CodingKey {
+        case realName = "real_name"
+        case bankName = "bank_name"
+        case branchName = "branch_name"
+        case cardNumber = "card_number"
+        case frontUrl = "front_url"
+        case backUrl = "back_url"
+        case provinceCode = "province_code"
+        case cityCode = "city_code"
+        case rejectReason = "reject_reason"
+        case auditStatus = "audit_status"
+        case auditStatusLabel = "audit_status_label"
+    }
+
+    /// 自定义解码，兼容审核状态字段类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        realName = try container.decodeLossyString(forKey: .realName)
+        bankName = try container.decodeLossyString(forKey: .bankName)
+        branchName = try container.decodeLossyString(forKey: .branchName)
+        cardNumber = try container.decodeLossyString(forKey: .cardNumber)
+        frontUrl = try container.decodeIfPresent(String.self, forKey: .frontUrl)
+        backUrl = try container.decodeIfPresent(String.self, forKey: .backUrl)
+        provinceCode = try container.decodeIfPresent(String.self, forKey: .provinceCode)
+        cityCode = try container.decodeIfPresent(String.self, forKey: .cityCode)
+        rejectReason = try container.decodeIfPresent(String.self, forKey: .rejectReason)
+        auditStatus = try container.decodeLossyInt(forKey: .auditStatus) ?? 0
+        auditStatusLabel = try container.decodeLossyString(forKey: .auditStatusLabel)
+    }
+}
+
+/// 银行列表响应实体，表示可选择银行名称。
+struct BankListResponse: Decodable, Equatable {
+    let banks: [String]
+
+    enum CodingKeys: String, CodingKey {
+        case banks
+    }
+
+    /// 创建银行列表响应实体，主要用于测试替身。
+    init(banks: [String] = []) {
+        self.banks = banks
+    }
+}
+
+/// 省市区节点实体，表示提现银行卡设置中的地区树。
+struct AreaNode: Decodable, Equatable, Identifiable {
+    let id: String
+    let code: String
+    let name: String
+    let children: [AreaNode]
+
+    enum CodingKeys: String, CodingKey {
+        case id
+        case code
+        case name
+        case children
+    }
+
+    /// 自定义解码，兼容 id/code 类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        code = try container.decodeLossyString(forKey: .code)
+        let rawId = try container.decodeLossyString(forKey: .id).trimmingCharacters(in: .whitespacesAndNewlines)
+        id = rawId.isEmpty ? code : rawId
+        name = try container.decodeLossyString(forKey: .name)
+        children = try container.decodeIfPresent([AreaNode].self, forKey: .children) ?? []
+    }
+}
+
+/// 提现信息响应实体，表示提现上限、手机号和银行卡摘要。
+struct WithdrawInfoResponse: Decodable, Equatable {
+    let amountWithdrawable: String
+    let minWithdrawAmount: String
+    let maxSingleWithdrawAmount: String
+    let maxDailyWithdrawAmount: String
+    let userPhone: String
+    let bankCard: WithdrawBankCardInfo
+    let withdrawInfo: [String]
+
+    enum CodingKeys: String, CodingKey {
+        case amountWithdrawable = "amount_withdrawable"
+        case minWithdrawAmount = "min_withdraw_amount"
+        case maxSingleWithdrawAmount = "max_single_withdraw_amount"
+        case maxDailyWithdrawAmount = "max_daily_withdraw_amount"
+        case userPhone = "user_phone"
+        case bankCard = "bank_card"
+        case withdrawInfo = "withdraw_info"
+    }
+
+    /// 自定义解码，兼容金额字段类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        amountWithdrawable = try container.decodeLossyString(forKey: .amountWithdrawable)
+        minWithdrawAmount = try container.decodeLossyString(forKey: .minWithdrawAmount)
+        maxSingleWithdrawAmount = try container.decodeLossyString(forKey: .maxSingleWithdrawAmount)
+        maxDailyWithdrawAmount = try container.decodeLossyString(forKey: .maxDailyWithdrawAmount)
+        userPhone = try container.decodeLossyString(forKey: .userPhone)
+        bankCard = try container.decodeIfPresent(WithdrawBankCardInfo.self, forKey: .bankCard) ?? WithdrawBankCardInfo()
+        withdrawInfo = try container.decodeIfPresent([String].self, forKey: .withdrawInfo) ?? []
+    }
+}
+
+/// 提现银行卡摘要实体，表示提现页面展示的银行卡信息。
+struct WithdrawBankCardInfo: Decodable, Equatable {
+    let realName: String
+    let bankName: String
+    let cardNumber: String
+
+    enum CodingKeys: String, CodingKey {
+        case realName = "real_name"
+        case bankName = "bank_name"
+        case cardNumber = "card_number"
+    }
+
+    /// 创建提现银行卡摘要，主要用于空状态兜底。
+    init(realName: String = "", bankName: String = "", cardNumber: String = "") {
+        self.realName = realName
+        self.bankName = bankName
+        self.cardNumber = cardNumber
+    }
+
+    /// 自定义解码，兼容字段类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        realName = try container.decodeLossyString(forKey: .realName)
+        bankName = try container.decodeLossyString(forKey: .bankName)
+        cardNumber = try container.decodeLossyString(forKey: .cardNumber)
+    }
+}
+
+/// 提现申请请求实体，表示金额和短信验证码。
+struct WithdrawApplyRequest: Encodable {
+    let amount: String
+    let smsCode: String
+
+    enum CodingKeys: String, CodingKey {
+        case amount
+        case smsCode = "sms_code"
+    }
+}
+
+/// 银行卡更新请求实体，表示银行卡资料、证件图片 URL 和验证码。
+struct UpdateBankInfoRequest: Encodable, Equatable {
+    let realName: String
+    let cardNumber: String
+    let bankName: String
+    let branchName: String
+    let frontUrl: String
+    let backUrl: String
+    let provinceCode: String
+    let cityCode: String
+    let smsVerifyCode: String
+
+    enum CodingKeys: String, CodingKey {
+        case realName = "real_name"
+        case cardNumber = "card_number"
+        case bankName = "bank_name"
+        case branchName = "branch_name"
+        case frontUrl = "front_url"
+        case backUrl = "back_url"
+        case provinceCode = "province_code"
+        case cityCode = "city_code"
+        case smsVerifyCode = "sms_verify_code"
+    }
+}
+
+/// 积分概览响应实体，表示当前积分可兑换状态。
+struct PointOverviewResponse: Decodable, Equatable {
+    let totalPoints: Int
+    let availablePoints: Int
+    let withdrawnPoints: Int
+    let pendingPoints: Int
+    let time: String
+
+    enum CodingKeys: String, CodingKey {
+        case totalPoints = "total_points"
+        case availablePoints = "available_points"
+        case withdrawnPoints = "withdrawn_points"
+        case pendingPoints = "pending_points"
+        case time
+    }
+
+    /// 创建积分概览响应实体，主要用于空状态和测试替身。
+    init(totalPoints: Int = 0, availablePoints: Int = 0, withdrawnPoints: Int = 0, pendingPoints: Int = 0, time: String = "") {
+        self.totalPoints = totalPoints
+        self.availablePoints = availablePoints
+        self.withdrawnPoints = withdrawnPoints
+        self.pendingPoints = pendingPoints
+        self.time = time
+    }
+
+    /// 自定义解码，兼容积分字段类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        totalPoints = try container.decodeLossyInt(forKey: .totalPoints) ?? 0
+        availablePoints = try container.decodeLossyInt(forKey: .availablePoints) ?? 0
+        withdrawnPoints = try container.decodeLossyInt(forKey: .withdrawnPoints) ?? 0
+        pendingPoints = try container.decodeLossyInt(forKey: .pendingPoints) ?? 0
+        time = try container.decodeLossyString(forKey: .time)
+    }
+}
+
+/// 积分兑换申请请求实体。
+struct PointWithdrawApplyRequest: Encodable {
+    let points: Int
+    let remark: String
+}
+
+/// 积分兑换列表请求实体。
+struct PointWithdrawListRequest: Encodable {
+    let status: Int?
+    let page: Int
+    let pageSize: Int
+
+    enum CodingKeys: String, CodingKey {
+        case status
+        case page
+        case pageSize = "page_size"
+    }
+}
+
+/// 积分兑换列表响应实体。
+struct PointWithdrawListResponse: Decodable, Equatable {
+    let total: Int
+    let list: [PointWithdrawItem]
+
+    enum CodingKeys: String, CodingKey {
+        case total
+        case list
+    }
+
+    /// 创建积分兑换列表响应实体，主要用于测试替身。
+    init(total: Int = 0, list: [PointWithdrawItem] = []) {
+        self.total = total
+        self.list = list
+    }
+
+    /// 自定义解码，兼容字段缺失和类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        total = try container.decodeLossyInt(forKey: .total) ?? 0
+        list = try container.decodeIfPresent([PointWithdrawItem].self, forKey: .list) ?? []
+    }
+}
+
+/// 积分兑换记录实体。
+struct PointWithdrawItem: Decodable, Equatable, Identifiable {
+    let id: Int
+    let points: Int
+    let amount: Double
+    let status: Int
+    let createdAt: String
+
+    enum CodingKeys: String, CodingKey {
+        case id
+        case points
+        case amount
+        case status
+        case createdAt = "created_at"
+    }
+
+    /// 自定义解码，兼容字段类型不稳定。
+    init(from decoder: Decoder) throws {
+        let container = try decoder.container(keyedBy: CodingKeys.self)
+        id = try container.decodeLossyInt(forKey: .id) ?? 0
+        points = try container.decodeLossyInt(forKey: .points) ?? 0
+        amount = try container.decodeLossyDouble(forKey: .amount) ?? 0
+        status = try container.decodeLossyInt(forKey: .status) ?? 0
+        createdAt = try container.decodeLossyString(forKey: .createdAt)
+    }
+}
+
+/// 钱包本地路由实体，表示钱包内二级页面。
+enum WalletRoute: Hashable, Identifiable {
+    case withdrawApply
+    case bankCardSettings
+    case pointsRedemption
+    case realNameAuth
+
+    var id: String {
+        switch self {
+        case .withdrawApply: "withdrawApply"
+        case .bankCardSettings: "bankCardSettings"
+        case .pointsRedemption: "pointsRedemption"
+        case .realNameAuth: "realNameAuth"
+        }
+    }
+}
+
+/// 提现资格决策实体，表示点击提现后的下一步页面或提示。
+enum WalletWithdrawDecision: Equatable {
+    case route(WalletRoute)
+    case message(String)
+}
+
+/// 钱包筛选区间实体，表示收益明细查询时间范围。
+enum WalletDateFilter: String, CaseIterable, Identifiable {
+    case last7
+    case last30
+    case last180
+
+    var id: String { rawValue }
+
+    /// 当前筛选区间的展示标题。
+    var title: String {
+        switch self {
+        case .last7: "近7日"
+        case .last30: "近30日"
+        case .last180: "近180日"
+        }
+    }
+
+    /// 根据当前日期计算开始和结束日期。
+    func range(today: Date = Date(), calendar: Calendar = .current) -> (start: String, end: String) {
+        let formatter = DateFormatter()
+        formatter.calendar = calendar
+        formatter.dateFormat = "yyyy-MM-dd"
+        let days: Int
+        switch self {
+        case .last7:
+            days = 6
+        case .last30:
+            days = 29
+        case .last180:
+            days = 179
+        }
+        let startDate = calendar.date(byAdding: .day, value: -days, to: today) ?? today
+        return (formatter.string(from: startDate), formatter.string(from: today))
+    }
+}
+
+private extension KeyedDecodingContainer {
+    /// 将字符串、数字或空值宽松解码为字符串。
+    func decodeLossyString(forKey key: Key) throws -> String {
+        if let value = try decodeIfPresent(String.self, forKey: key) {
+            return value
+        }
+        if let value = try decodeIfPresent(Int.self, forKey: key) {
+            return String(value)
+        }
+        if let value = try decodeIfPresent(Double.self, forKey: key) {
+            return value.truncatingRemainder(dividingBy: 1) == 0 ? String(Int(value)) : String(value)
+        }
+        return ""
+    }
+
+    /// 将字符串或数字宽松解码为整数。
+    func decodeLossyInt(forKey key: Key) throws -> Int? {
+        if let value = try decodeIfPresent(Int.self, forKey: key) {
+            return value
+        }
+        if let value = try decodeIfPresent(String.self, forKey: key) {
+            let text = value.trimmingCharacters(in: .whitespacesAndNewlines)
+            if let intValue = Int(text) {
+                return intValue
+            }
+            if let doubleValue = Double(text) {
+                return Int(doubleValue)
+            }
+        }
+        if let value = try decodeIfPresent(Double.self, forKey: key) {
+            return Int(value)
+        }
+        return nil
+    }
+
+    /// 将字符串或数字宽松解码为小数。
+    func decodeLossyDouble(forKey key: Key) throws -> Double? {
+        if let value = try decodeIfPresent(Double.self, forKey: key) {
+            return value
+        }
+        if let value = try decodeIfPresent(Int.self, forKey: key) {
+            return Double(value)
+        }
+        if let value = try decodeIfPresent(String.self, forKey: key) {
+            return Double(value.trimmingCharacters(in: .whitespacesAndNewlines))
+        }
+        return nil
+    }
+}
diff --git a/suixinkan/Features/Wallet/ViewModels/WalletViewModels.swift b/suixinkan/Features/Wallet/ViewModels/WalletViewModels.swift
new file mode 100644
index 0000000..0a175f4
--- /dev/null
+++ b/suixinkan/Features/Wallet/ViewModels/WalletViewModels.swift
@@ -0,0 +1,538 @@
+//
+//  WalletViewModels.swift
+//  suixinkan
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import Foundation
+import Observation
+
+@MainActor
+/// 钱包实名认证服务协议，抽象实名认证状态读取能力以便测试替换。
+protocol WalletRealNameServing {
+    /// 获取当前登录用户实名认证状态。
+    func realNameInfo() async throws -> RealNameInfoResponse
+}
+
+extension ProfileAPI: WalletRealNameServing {}
+
+/// 钱包首页明细 Tab，区分收益明细和提现记录。
+enum WalletLedgerTab: String, CaseIterable, Identifiable {
+    case earnings
+    case withdraws
+
+    var id: String { rawValue }
+
+    /// Tab 展示标题。
+    var title: String {
+        switch self {
+        case .earnings: "收益明细"
+        case .withdraws: "提现记录"
+        }
+    }
+}
+
+@MainActor
+@Observable
+/// 钱包首页 ViewModel，管理钱包汇总、收益明细、提现记录和提现资格流。
+final class WalletViewModel {
+    var summary: WalletSummaryResponse?
+    var pointsOverview: PointOverviewResponse?
+    var selectedTab: WalletLedgerTab = .earnings
+    var selectedFilter: WalletDateFilter = .last30
+    var earningsGroups: [WalletEarningDetailGroup] = []
+    var withdrawRecords: [WalletWithdrawRecord] = []
+    var isLoadingSummary = false
+    var isLoadingList = false
+    var isCheckingWithdraw = false
+    var errorMessage: String?
+
+    private let pageSize = 20
+    private var earningsPage = 1
+    private var earningsTotal = 0
+    private var withdrawPage = 1
+    private var withdrawTotal = 0
+
+    /// 钱包可提现金额展示文本。
+    var withdrawableText: String {
+        "¥ \(Self.moneyText(summary?.amountWithdrawable))"
+    }
+
+    /// 钱包累计金额展示文本。
+    var totalAmountText: String {
+        "¥ \(Self.moneyText(summary?.amountTotal))"
+    }
+
+    /// 当前余额展示文本。
+    var currentBalanceText: String {
+        "¥ \(Self.moneyText(summary?.amountCurrentBalance))"
+    }
+
+    /// 是否还能继续加载收益明细。
+    var canLoadMoreEarnings: Bool {
+        earningsGroups.flatMap(\.items).count < earningsTotal
+    }
+
+    /// 是否还能继续加载提现记录。
+    var canLoadMoreWithdraws: Bool {
+        withdrawRecords.count < withdrawTotal
+    }
+
+    /// 首次加载钱包首页数据。
+    func loadInitial(api: WalletServing, staffId: Int?) async {
+        isLoadingSummary = true
+        errorMessage = nil
+        async let summaryResult = api.walletSummary(type: 0)
+        async let pointsResult: PointOverviewResponse? = {
+            guard let staffId else { return nil }
+            return try? await api.pointOverview(staffId: staffId)
+        }()
+
+        do {
+            summary = try await summaryResult
+            pointsOverview = await pointsResult
+        } catch {
+            errorMessage = error.localizedDescription
+        }
+        isLoadingSummary = false
+        await reloadList(api: api)
+    }
+
+    /// 按当前 Tab 和筛选条件刷新列表。
+    func reloadList(api: WalletServing) async {
+        switch selectedTab {
+        case .earnings:
+            earningsPage = 1
+            await loadEarnings(api: api, reset: true)
+        case .withdraws:
+            withdrawPage = 1
+            await loadWithdraws(api: api, reset: true)
+        }
+    }
+
+    /// 切换钱包明细 Tab 并刷新对应列表。
+    func selectTab(_ tab: WalletLedgerTab, api: WalletServing) async {
+        guard selectedTab != tab else { return }
+        selectedTab = tab
+        await reloadList(api: api)
+    }
+
+    /// 切换收益明细时间筛选并重置分页。
+    func selectFilter(_ filter: WalletDateFilter, api: WalletServing) async {
+        guard selectedFilter != filter else { return }
+        selectedFilter = filter
+        if selectedTab == .earnings {
+            await reloadList(api: api)
+        }
+    }
+
+    /// 加载下一页当前列表。
+    func loadMore(api: WalletServing) async {
+        switch selectedTab {
+        case .earnings where canLoadMoreEarnings:
+            earningsPage += 1
+            await loadEarnings(api: api, reset: false)
+        case .withdraws where canLoadMoreWithdraws:
+            withdrawPage += 1
+            await loadWithdraws(api: api, reset: false)
+        default:
+            break
+        }
+    }
+
+    /// 根据实名认证和银行卡状态决定提现下一步。
+    func resolveWithdrawDecision(profileAPI: WalletRealNameServing, walletAPI: WalletServing) async -> WalletWithdrawDecision {
+        isCheckingWithdraw = true
+        defer { isCheckingWithdraw = false }
+
+        do {
+            let realName = try await profileAPI.realNameInfo().realNameInfo
+            guard let realName else {
+                return .route(.realNameAuth)
+            }
+            switch realName.auditStatus {
+            case 2:
+                let bankCard = try await walletAPI.bankCardInfo().bankCard
+                guard let bankCard else {
+                    return .route(.bankCardSettings)
+                }
+                if bankCard.auditStatus == 2 {
+                    return .route(.withdrawApply)
+                }
+                if bankCard.auditStatus == 3 {
+                    return .route(.bankCardSettings)
+                }
+                return .message("银行卡审核中，请审核通过后再试")
+            case 3:
+                return .route(.realNameAuth)
+            default:
+                return .message("实名认证审核中，请审核通过后再试")
+            }
+        } catch {
+            return .message(error.localizedDescription)
+        }
+    }
+
+    /// 加载收益明细分页。
+    private func loadEarnings(api: WalletServing, reset: Bool) async {
+        isLoadingList = true
+        errorMessage = nil
+        defer { isLoadingList = false }
+
+        let range = selectedFilter.range()
+        do {
+            let response = try await api.walletEarningDetail(
+                startDate: range.start,
+                endDate: range.end,
+                page: earningsPage,
+                pageSize: pageSize
+            )
+            earningsTotal = response.total
+            earningsGroups = reset ? response.list : earningsGroups + response.list
+        } catch {
+            if !reset { earningsPage = max(1, earningsPage - 1) }
+            if reset { earningsGroups = [] }
+            errorMessage = error.localizedDescription
+        }
+    }
+
+    /// 加载提现记录分页。
+    private func loadWithdraws(api: WalletServing, reset: Bool) async {
+        isLoadingList = true
+        errorMessage = nil
+        defer { isLoadingList = false }
+
+        do {
+            let response = try await api.walletWithdrawList(page: withdrawPage, pageSize: pageSize)
+            withdrawTotal = response.total
+            withdrawRecords = reset ? response.item : withdrawRecords + response.item
+        } catch {
+            if !reset { withdrawPage = max(1, withdrawPage - 1) }
+            if reset { withdrawRecords = [] }
+            errorMessage = error.localizedDescription
+        }
+    }
+
+    /// 规范金额展示，空值按 0.00 处理。
+    static func moneyText(_ rawValue: String?) -> String {
+        let text = rawValue?.trimmingCharacters(in: .whitespacesAndNewlines) ?? ""
+        guard let decimal = Decimal(string: text), decimal > 0 else {
+            return "0.00"
+        }
+        return NSDecimalNumber(decimal: decimal).stringValue
+    }
+}
+
+@MainActor
+@Observable
+/// 提现申请 ViewModel，管理提现信息、金额校验、短信验证码和提交。
+final class WithdrawApplyViewModel {
+    var info: WithdrawInfoResponse?
+    var amountText = ""
+    var smsCode = ""
+    var isLoading = false
+    var isSubmitting = false
+    var smsCountdown = 0
+    var errorMessage: String?
+
+    /// 加载提现申请所需信息。
+    func load(api: WalletServing) async {
+        isLoading = true
+        errorMessage = nil
+        defer { isLoading = false }
+        do {
+            info = try await api.withdrawInfo()
+        } catch {
+            errorMessage = error.localizedDescription
+        }
+    }
+
+    /// 发送提现短信验证码。
+    func sendSms(api: WalletServing) async {
+        guard smsCountdown == 0 else { return }
+        do {
+            try await api.withdrawSendSms()
+            smsCountdown = 60
+        } catch {
+            errorMessage = error.localizedDescription
+        }
+    }
+
+    /// 提交提现申请，成功后清空表单。
+    func submit(api: WalletServing) async -> Bool {
+        guard !isSubmitting else { return false }
+        guard let amount = PaymentCollectionViewModel.normalizedMoney(amountText) else {
+            errorMessage = "请输入有效提现金额"
+            return false
+        }
+        guard let info else {
+            errorMessage = "提现信息未加载"
+            return false
+        }
+        guard (Decimal(string: amount) ?? 0) <= (Decimal(string: info.amountWithdrawable) ?? 0) else {
+            errorMessage = "提现金额不能超过可提现金额"
+            return false
+        }
+        guard !smsCode.walletTrimmed.isEmpty else {
+            errorMessage = "请输入短信验证码"
+            return false
+        }
+
+        isSubmitting = true
+        defer { isSubmitting = false }
+        do {
+            try await api.withdrawApply(amount: amount, smsCode: smsCode.walletTrimmed)
+            amountText = ""
+            smsCode = ""
+            return true
+        } catch {
+            errorMessage = error.localizedDescription
+            return false
+        }
+    }
+}
+
+@MainActor
+@Observable
+/// 银行卡设置 ViewModel，管理银行卡表单、图片上传、短信验证码和提交。
+final class WithdrawalSettingsViewModel {
+    var bankCard: WalletBankCardInfo?
+    var banks: [String] = []
+    var areas: [AreaNode] = []
+    var realName = ""
+    var cardNumber = ""
+    var bankName = ""
+    var branchName = ""
+    var provinceCode = ""
+    var cityCode = ""
+    var smsCode = ""
+    var frontImageData: Data?
+    var backImageData: Data?
+    var frontImageURL = ""
+    var backImageURL = ""
+    var uploadProgress = 0
+    var isLoading = false
+    var isSubmitting = false
+    var smsCountdown = 0
+    var errorMessage: String?
+
+    /// 加载银行卡设置需要的银行、地区和已提交资料。
+    func load(api: WalletServing) async {
+        isLoading = true
+        errorMessage = nil
+        defer { isLoading = false }
+        async let bankCardResult = api.bankCardInfo()
+        async let bankListResult = api.bankList()
+        async let areaResult = api.areas()
+        do {
+            let (cardResponse, bankResponse, areaResponse) = try await (bankCardResult, bankListResult, areaResult)
+            bankCard = cardResponse.bankCard
+            banks = bankResponse.banks
+            areas = areaResponse
+            apply(cardResponse.bankCard)
+        } catch {
+            errorMessage = error.localizedDescription
+        }
+    }
+
+    /// 发送银行卡设置短信验证码。
+    func sendSms(api: WalletServing) async {
+        guard smsCountdown == 0 else { return }
+        do {
+            try await api.bankCardVerifyCode()
+            smsCountdown = 60
+        } catch {
+            errorMessage = error.localizedDescription
+        }
+    }
+
+    /// 上传图片并提交银行卡资料。
+    func submit(api: WalletServing, uploader: OSSUploadServing, scenicId: Int?) async -> Bool {
+        guard !isSubmitting else { return false }
+        guard let scenicId else {
+            errorMessage = "请先选择景区"
+            return false
+        }
+        guard validateForm() else { return false }
+
+        isSubmitting = true
+        uploadProgress = 0
+        defer { isSubmitting = false }
+
+        do {
+            let frontURL = try await resolvedImageURL(
+                currentURL: frontImageURL,
+                data: frontImageData,
+                fileName: "bank_card_front.jpg",
+                uploader: uploader,
+                scenicId: scenicId
+            )
+            let backURL = try await resolvedImageURL(
+                currentURL: backImageURL,
+                data: backImageData,
+                fileName: "bank_card_back.jpg",
+                uploader: uploader,
+                scenicId: scenicId
+            )
+            let request = UpdateBankInfoRequest(
+                realName: realName.walletTrimmed,
+                cardNumber: cardNumber.walletTrimmed,
+                bankName: bankName.walletTrimmed,
+                branchName: branchName.walletTrimmed,
+                frontUrl: frontURL,
+                backUrl: backURL,
+                provinceCode: provinceCode.walletTrimmed,
+                cityCode: cityCode.walletTrimmed,
+                smsVerifyCode: smsCode.walletTrimmed
+            )
+            try await api.updateBankInfo(request)
+            frontImageURL = frontURL
+            backImageURL = backURL
+            frontImageData = nil
+            backImageData = nil
+            return true
+        } catch {
+            errorMessage = error.localizedDescription
+            return false
+        }
+    }
+
+    /// 将已有银行卡资料回填到表单。
+    private func apply(_ info: WalletBankCardInfo?) {
+        guard let info else { return }
+        realName = info.realName
+        cardNumber = info.cardNumber
+        bankName = info.bankName
+        branchName = info.branchName
+        provinceCode = info.provinceCode ?? ""
+        cityCode = info.cityCode ?? ""
+        frontImageURL = info.frontUrl ?? ""
+        backImageURL = info.backUrl ?? ""
+    }
+
+    /// 校验银行卡表单必填项。
+    private func validateForm() -> Bool {
+        if realName.walletTrimmed.isEmpty { errorMessage = "请输入持卡人姓名"; return false }
+        if cardNumber.walletTrimmed.isEmpty { errorMessage = "请输入银行卡号"; return false }
+        if bankName.walletTrimmed.isEmpty { errorMessage = "请选择开户银行"; return false }
+        if branchName.walletTrimmed.isEmpty { errorMessage = "请输入开户支行"; return false }
+        if provinceCode.walletTrimmed.isEmpty || cityCode.walletTrimmed.isEmpty { errorMessage = "请选择开户地区"; return false }
+        if frontImageURL.walletTrimmed.isEmpty && frontImageData == nil { errorMessage = "请选择银行卡正面照片"; return false }
+        if backImageURL.walletTrimmed.isEmpty && backImageData == nil { errorMessage = "请选择银行卡反面照片"; return false }
+        if smsCode.walletTrimmed.isEmpty { errorMessage = "请输入短信验证码"; return false }
+        return true
+    }
+
+    /// 返回最终图片 URL，本地选择的新图会先上传 OSS。
+    private func resolvedImageURL(
+        currentURL: String,
+        data: Data?,
+        fileName: String,
+        uploader: OSSUploadServing,
+        scenicId: Int
+    ) async throws -> String {
+        guard let data else { return currentURL }
+        return try await uploader.uploadBankCardImage(data: data, fileName: fileName, scenicId: scenicId) { [weak self] progress in
+            self?.uploadProgress = progress
+        }
+    }
+}
+
+@MainActor
+@Observable
+/// 积分兑换 ViewModel，管理积分概览、兑换记录、兑换金额校验和提交。
+final class PointsRedemptionViewModel {
+    var overview = PointOverviewResponse()
+    var records: [PointWithdrawItem] = []
+    var pointsText = ""
+    var isLoading = false
+    var isSubmitting = false
+    var errorMessage: String?
+
+    private let pageSize = 20
+    private var page = 1
+    private var total = 0
+
+    /// 是否还能继续加载兑换记录。
+    var canLoadMore: Bool {
+        records.count < total
+    }
+
+    /// 加载积分概览和兑换记录。
+    func load(api: WalletServing, staffId: Int?) async {
+        guard let staffId else {
+            errorMessage = "缺少账号信息"
+            return
+        }
+        isLoading = true
+        errorMessage = nil
+        page = 1
+        defer { isLoading = false }
+        do {
+            async let overviewResult = api.pointOverview(staffId: staffId)
+            async let listResult = api.pointWithdrawList(status: nil, page: page, pageSize: pageSize)
+            overview = try await overviewResult
+            let list = try await listResult
+            total = list.total
+            records = list.list
+        } catch {
+            errorMessage = error.localizedDescription
+        }
+    }
+
+    /// 加载下一页积分兑换记录。
+    func loadMore(api: WalletServing) async {
+        guard canLoadMore else { return }
+        page += 1
+        do {
+            let response = try await api.pointWithdrawList(status: nil, page: page, pageSize: pageSize)
+            total = response.total
+            records += response.list
+        } catch {
+            page = max(1, page - 1)
+            errorMessage = error.localizedDescription
+        }
+    }
+
+    /// 将可兑换积分全部填入表单。
+    func fillAllPoints() {
+        pointsText = String(overview.withdrawnPoints)
+    }
+
+    /// 提交积分兑换申请，成功后刷新概览和列表。
+    func submit(api: WalletServing, staffId: Int?) async -> Bool {
+        guard !isSubmitting else { return false }
+        guard let points = Int(pointsText.walletTrimmed), points > 0 else {
+            errorMessage = "请输入有效兑换积分"
+            return false
+        }
+        guard points <= overview.withdrawnPoints else {
+            errorMessage = "兑换积分不能超过可兑换积分"
+            return false
+        }
+        guard let staffId else {
+            errorMessage = "缺少账号信息"
+            return false
+        }
+
+        isSubmitting = true
+        defer { isSubmitting = false }
+        do {
+            try await api.pointWithdrawApply(points: points, remark: "积分提现申请")
+            pointsText = ""
+            await load(api: api, staffId: staffId)
+            return true
+        } catch {
+            errorMessage = error.localizedDescription
+            return false
+        }
+    }
+}
+
+private extension String {
+    /// 钱包模块内部使用的去空白文本，避免依赖其他文件的 fileprivate 扩展。
+    var walletTrimmed: String {
+        trimmingCharacters(in: .whitespacesAndNewlines)
+    }
+}
diff --git a/suixinkan/Features/Wallet/Views/WalletView.swift b/suixinkan/Features/Wallet/Views/WalletView.swift
new file mode 100644
index 0000000..5a7743e
--- /dev/null
+++ b/suixinkan/Features/Wallet/Views/WalletView.swift
@@ -0,0 +1,531 @@
+//
+//  WalletView.swift
+//  suixinkan
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import Combine
+import PhotosUI
+import SwiftUI
+
+/// 钱包首页，展示钱包汇总、收益明细、提现记录和钱包二级入口。
+struct WalletView: View {
+    @Environment(AccountContext.self) private var accountContext
+    @Environment(WalletAPI.self) private var walletAPI
+    @Environment(ProfileAPI.self) private var profileAPI
+    @Environment(ToastCenter.self) private var toastCenter
+
+    @State private var viewModel = WalletViewModel()
+    @State private var route: WalletRoute?
+
+    var body: some View {
+        ScrollView {
+            VStack(spacing: AppMetrics.Spacing.medium) {
+                summaryCard
+                walletActions
+                ledgerControls
+                ledgerList
+            }
+            .padding(.horizontal, AppMetrics.Spacing.pageHorizontal)
+            .padding(.vertical, AppMetrics.Spacing.pageVertical)
+        }
+        .background(Color(hex: 0xF5F7FA))
+        .navigationTitle("我的钱包")
+        .navigationBarTitleDisplayMode(.inline)
+        .navigationDestination(item: $route) { route in
+            switch route {
+            case .withdrawApply:
+                WithdrawApplyView()
+            case .bankCardSettings:
+                WithdrawalSettingsView()
+            case .pointsRedemption:
+                PointsRedemptionView()
+            case .realNameAuth:
+                RealNameAuthView()
+            }
+        }
+        .task {
+            await viewModel.loadInitial(api: walletAPI, staffId: staffId)
+        }
+        .refreshable {
+            await viewModel.loadInitial(api: walletAPI, staffId: staffId)
+        }
+        .onChange(of: viewModel.errorMessage) { _, message in
+            if let message {
+                toastCenter.show(message)
+            }
+        }
+    }
+
+    /// 当前用户 staffId，优先使用账号快照里的 userId。
+    private var staffId: Int? {
+        Int(accountContext.profile?.userId ?? "")
+    }
+
+    /// 钱包汇总卡片。
+    private var summaryCard: some View {
+        VStack(alignment: .leading, spacing: AppMetrics.Spacing.medium) {
+            HStack {
+                VStack(alignment: .leading, spacing: AppMetrics.Spacing.xxSmall) {
+                    Text("可提现金额")
+                        .font(.system(size: AppMetrics.FontSize.subheadline))
+                        .foregroundStyle(.white.opacity(0.86))
+                    Text(viewModel.withdrawableText)
+                        .font(.system(size: AppMetrics.FontSize.largeTitle, weight: .bold))
+                        .foregroundStyle(.white)
+                }
+                Spacer()
+                if viewModel.isLoadingSummary {
+                    ProgressView()
+                        .tint(.white)
+                }
+            }
+
+            HStack(spacing: AppMetrics.Spacing.medium) {
+                walletSummaryItem(title: "累计金额", value: viewModel.totalAmountText)
+                walletSummaryItem(title: "当前余额", value: viewModel.currentBalanceText)
+                walletSummaryItem(title: "可兑换积分", value: "\(viewModel.pointsOverview?.withdrawnPoints ?? 0)")
+            }
+        }
+        .padding(AppMetrics.Spacing.large)
+        .background(AppDesign.primary, in: RoundedRectangle(cornerRadius: 8))
+    }
+
+    /// 钱包快捷操作。
+    private var walletActions: some View {
+        HStack(spacing: AppMetrics.Spacing.small) {
+            walletActionButton(title: "提现", icon: "banknote") {
+                Task {
+                    let decision = await viewModel.resolveWithdrawDecision(profileAPI: profileAPI, walletAPI: walletAPI)
+                    switch decision {
+                    case .route(let nextRoute):
+                        route = nextRoute
+                    case .message(let message):
+                        toastCenter.show(message)
+                    }
+                }
+            }
+            walletActionButton(title: "银行卡", icon: "creditcard") {
+                route = .bankCardSettings
+            }
+            walletActionButton(title: "积分兑换", icon: "giftcard") {
+                route = .pointsRedemption
+            }
+        }
+    }
+
+    /// 明细筛选控件。
+    private var ledgerControls: some View {
+        VStack(spacing: AppMetrics.Spacing.small) {
+            Picker("明细类型", selection: Binding(
+                get: { viewModel.selectedTab },
+                set: { tab in Task { await viewModel.selectTab(tab, api: walletAPI) } }
+            )) {
+                ForEach(WalletLedgerTab.allCases) { tab in
+                    Text(tab.title).tag(tab)
+                }
+            }
+            .pickerStyle(.segmented)
+
+            if viewModel.selectedTab == .earnings {
+                HStack {
+                    ForEach(WalletDateFilter.allCases) { filter in
+                        Button {
+                            Task { await viewModel.selectFilter(filter, api: walletAPI) }
+                        } label: {
+                            Text(filter.title)
+                                .font(.system(size: AppMetrics.FontSize.footnote, weight: .medium))
+                                .foregroundStyle(viewModel.selectedFilter == filter ? .white : AppDesign.primary)
+                                .padding(.horizontal, AppMetrics.Spacing.small)
+                                .padding(.vertical, AppMetrics.Spacing.xSmall)
+                                .background(viewModel.selectedFilter == filter ? AppDesign.primary : AppDesign.primarySoft, in: Capsule())
+                        }
+                    }
+                    Spacer()
+                }
+            }
+        }
+        .padding(AppMetrics.Spacing.medium)
+        .background(.white, in: RoundedRectangle(cornerRadius: 8))
+    }
+
+    /// 钱包明细列表。
+    @ViewBuilder
+    private var ledgerList: some View {
+        if viewModel.selectedTab == .earnings {
+            LazyVStack(spacing: AppMetrics.Spacing.small) {
+                ForEach(viewModel.earningsGroups) { group in
+                    walletSection(title: group.date, subtitle: "¥\(group.dayAmount) / \(group.dayPoints)分") {
+                        ForEach(group.items) { item in
+                            ledgerRow(title: item.typeLabel.isEmpty ? "收益" : item.typeLabel, subtitle: item.createdAt, amount: "+¥\(item.amount)", extra: item.orderNumberSuffix)
+                        }
+                    }
+                }
+                loadMoreButton(enabled: viewModel.canLoadMoreEarnings)
+            }
+        } else {
+            LazyVStack(spacing: AppMetrics.Spacing.small) {
+                ForEach(viewModel.withdrawRecords) { record in
+                    ledgerRow(title: record.statusLabel, subtitle: record.createdAt, amount: "-¥\(record.amount)", extra: record.expectedAt ?? "")
+                        .padding(AppMetrics.Spacing.medium)
+                        .background(.white, in: RoundedRectangle(cornerRadius: 8))
+                }
+                loadMoreButton(enabled: viewModel.canLoadMoreWithdraws)
+            }
+        }
+    }
+
+    /// 汇总子项。
+    private func walletSummaryItem(title: String, value: String) -> some View {
+        VStack(alignment: .leading, spacing: AppMetrics.Spacing.xxxSmall) {
+            Text(title)
+                .font(.system(size: AppMetrics.FontSize.caption))
+                .foregroundStyle(.white.opacity(0.75))
+            Text(value)
+                .font(.system(size: AppMetrics.FontSize.subheadline, weight: .semibold))
+                .foregroundStyle(.white)
+        }
+        .frame(maxWidth: .infinity, alignment: .leading)
+    }
+
+    /// 快捷操作按钮。
+    private func walletActionButton(title: String, icon: String, action: @escaping () -> Void) -> some View {
+        Button(action: action) {
+            VStack(spacing: AppMetrics.Spacing.xSmall) {
+                Image(systemName: icon)
+                    .font(.system(size: 22, weight: .semibold))
+                Text(title)
+                    .font(.system(size: AppMetrics.FontSize.footnote, weight: .medium))
+            }
+            .foregroundStyle(AppDesign.primary)
+            .frame(maxWidth: .infinity, minHeight: 76)
+            .background(.white, in: RoundedRectangle(cornerRadius: 8))
+        }
+    }
+
+    /// 白色分组卡片。
+    private func walletSection<Content: View>(title: String, subtitle: String, @ViewBuilder content: () -> Content) -> some View {
+        VStack(alignment: .leading, spacing: AppMetrics.Spacing.small) {
+            HStack {
+                Text(title)
+                    .font(.system(size: AppMetrics.FontSize.subheadline, weight: .semibold))
+                Spacer()
+                Text(subtitle)
+                    .font(.system(size: AppMetrics.FontSize.caption))
+                    .foregroundStyle(AppDesign.textSecondary)
+            }
+            content()
+        }
+        .padding(AppMetrics.Spacing.medium)
+        .background(.white, in: RoundedRectangle(cornerRadius: 8))
+    }
+
+    /// 明细行。
+    private func ledgerRow(title: String, subtitle: String, amount: String, extra: String) -> some View {
+        HStack(alignment: .top) {
+            VStack(alignment: .leading, spacing: AppMetrics.Spacing.xxxSmall) {
+                Text(title)
+                    .font(.system(size: AppMetrics.FontSize.subheadline, weight: .semibold))
+                    .foregroundStyle(AppDesign.textPrimary)
+                Text([subtitle, extra].filter { !$0.isEmpty }.joined(separator: " · "))
+                    .font(.system(size: AppMetrics.FontSize.caption))
+                    .foregroundStyle(AppDesign.textSecondary)
+            }
+            Spacer()
+            Text(amount)
+                .font(.system(size: AppMetrics.FontSize.subheadline, weight: .semibold))
+                .foregroundStyle(amount.hasPrefix("+") ? AppDesign.success : AppDesign.textPrimary)
+        }
+    }
+
+    /// 加载更多按钮。
+    @ViewBuilder
+    private func loadMoreButton(enabled: Bool) -> some View {
+        if enabled {
+            Button {
+                Task { await viewModel.loadMore(api: walletAPI) }
+            } label: {
+                Text(viewModel.isLoadingList ? "加载中..." : "加载更多")
+                    .font(.system(size: AppMetrics.FontSize.subheadline, weight: .medium))
+                    .frame(maxWidth: .infinity, minHeight: 44)
+            }
+        }
+    }
+}
+
+/// 提现申请页，输入金额和短信验证码后提交提现。
+struct WithdrawApplyView: View {
+    @Environment(WalletAPI.self) private var walletAPI
+    @Environment(ToastCenter.self) private var toastCenter
+    @Environment(\.dismiss) private var dismiss
+    @State private var viewModel = WithdrawApplyViewModel()
+
+    var body: some View {
+        Form {
+            if let info = viewModel.info {
+                Section("银行卡") {
+                    Text("\(info.bankCard.bankName) \(info.bankCard.cardNumber)")
+                    Text("可提现金额：¥\(WalletViewModel.moneyText(info.amountWithdrawable))")
+                }
+            }
+
+            Section("提现金额") {
+                TextField("请输入提现金额", text: $viewModel.amountText)
+                    .keyboardType(.decimalPad)
+                HStack {
+                    TextField("短信验证码", text: $viewModel.smsCode)
+                        .keyboardType(.numberPad)
+                    Button(viewModel.smsCountdown > 0 ? "\(viewModel.smsCountdown)s" : "获取验证码") {
+                        Task { await viewModel.sendSms(api: walletAPI) }
+                    }
+                    .disabled(viewModel.smsCountdown > 0)
+                }
+            }
+
+            Button(viewModel.isSubmitting ? "提交中..." : "提交提现申请") {
+                Task {
+                    if await viewModel.submit(api: walletAPI) {
+                        toastCenter.show("提现申请已提交")
+                        dismiss()
+                    }
+                }
+            }
+            .disabled(viewModel.isSubmitting)
+        }
+        .navigationTitle("提现申请")
+        .navigationBarTitleDisplayMode(.inline)
+        .task { await viewModel.load(api: walletAPI) }
+        .onReceive(Timer.publish(every: 1, on: .main, in: .common).autoconnect()) { _ in
+            if viewModel.smsCountdown > 0 {
+                viewModel.smsCountdown -= 1
+            }
+        }
+        .onChange(of: viewModel.errorMessage) { _, message in
+            if let message {
+                toastCenter.show(message)
+            }
+        }
+    }
+}
+
+/// 银行卡设置页，使用图片选择和 OSS 上传提交银行卡资料。
+struct WithdrawalSettingsView: View {
+    @Environment(AccountContext.self) private var accountContext
+    @Environment(WalletAPI.self) private var walletAPI
+    @Environment(OSSUploadService.self) private var ossUploadService
+    @Environment(ToastCenter.self) private var toastCenter
+    @Environment(\.dismiss) private var dismiss
+
+    @State private var viewModel = WithdrawalSettingsViewModel()
+    @State private var frontItem: PhotosPickerItem?
+    @State private var backItem: PhotosPickerItem?
+
+    var body: some View {
+        Form {
+            if let bankCard = viewModel.bankCard {
+                Section("审核状态") {
+                    Text(bankCard.auditStatusLabel.isEmpty ? "待提交" : bankCard.auditStatusLabel)
+                    if let reason = bankCard.rejectReason, !reason.isEmpty {
+                        Text(reason).foregroundStyle(AppDesign.warning)
+                    }
+                }
+            }
+
+            Section("基础信息") {
+                TextField("持卡人姓名", text: $viewModel.realName)
+                TextField("银行卡号", text: $viewModel.cardNumber)
+                    .keyboardType(.numberPad)
+                Picker("开户银行", selection: $viewModel.bankName) {
+                    Text("请选择").tag("")
+                    ForEach(viewModel.banks, id: \.self) { bank in
+                        Text(bank).tag(bank)
+                    }
+                }
+                TextField("开户支行", text: $viewModel.branchName)
+                Picker("省份", selection: $viewModel.provinceCode) {
+                    Text("请选择").tag("")
+                    ForEach(viewModel.areas) { area in
+                        Text(area.name).tag(area.code)
+                    }
+                }
+                Picker("城市", selection: $viewModel.cityCode) {
+                    Text("请选择").tag("")
+                    ForEach(selectedProvinceChildren) { city in
+                        Text(city.name).tag(city.code)
+                    }
+                }
+            }
+
+            Section("银行卡照片") {
+                bankCardImagePicker(title: "银行卡正面", item: $frontItem, data: viewModel.frontImageData, url: viewModel.frontImageURL)
+                bankCardImagePicker(title: "银行卡反面", item: $backItem, data: viewModel.backImageData, url: viewModel.backImageURL)
+                if viewModel.uploadProgress > 0 && viewModel.uploadProgress < 100 {
+                    ProgressView(value: Double(viewModel.uploadProgress), total: 100)
+                }
+            }
+
+            Section("短信验证码") {
+                HStack {
+                    TextField("请输入短信验证码", text: $viewModel.smsCode)
+                        .keyboardType(.numberPad)
+                    Button(viewModel.smsCountdown > 0 ? "\(viewModel.smsCountdown)s" : "获取验证码") {
+                        Task { await viewModel.sendSms(api: walletAPI) }
+                    }
+                    .disabled(viewModel.smsCountdown > 0)
+                }
+            }
+
+            Button(viewModel.isSubmitting ? "提交中..." : "提交银行卡资料") {
+                Task {
+                    if await viewModel.submit(api: walletAPI, uploader: ossUploadService, scenicId: accountContext.currentScenic?.id) {
+                        toastCenter.show("银行卡资料已提交")
+                        dismiss()
+                    }
+                }
+            }
+            .disabled(viewModel.isSubmitting)
+        }
+        .navigationTitle("银行卡设置")
+        .navigationBarTitleDisplayMode(.inline)
+        .task { await viewModel.load(api: walletAPI) }
+        .onChange(of: frontItem) { _, item in
+            Task { viewModel.frontImageData = try? await item?.loadTransferable(type: Data.self) }
+        }
+        .onChange(of: backItem) { _, item in
+            Task { viewModel.backImageData = try? await item?.loadTransferable(type: Data.self) }
+        }
+        .onReceive(Timer.publish(every: 1, on: .main, in: .common).autoconnect()) { _ in
+            if viewModel.smsCountdown > 0 {
+                viewModel.smsCountdown -= 1
+            }
+        }
+        .onChange(of: viewModel.errorMessage) { _, message in
+            if let message {
+                toastCenter.show(message)
+            }
+        }
+    }
+
+    /// 当前所选省份下的城市列表。
+    private var selectedProvinceChildren: [AreaNode] {
+        viewModel.areas.first { $0.code == viewModel.provinceCode }?.children ?? []
+    }
+
+    /// 银行卡图片选择行。
+    private func bankCardImagePicker(title: String, item: Binding<PhotosPickerItem?>, data: Data?, url: String) -> some View {
+        PhotosPicker(selection: item, matching: .images) {
+            HStack(spacing: AppMetrics.Spacing.small) {
+                bankCardPreview(data: data, url: url)
+                    .frame(width: 88, height: 56)
+                    .clipShape(RoundedRectangle(cornerRadius: 8))
+                Text(title)
+                Spacer()
+                Image(systemName: "chevron.right")
+                    .foregroundStyle(AppDesign.placeholder)
+            }
+        }
+    }
+
+    /// 银行卡图片预览。
+    @ViewBuilder
+    private func bankCardPreview(data: Data?, url: String) -> some View {
+        if let data, let image = UIImage(data: data) {
+            Image(uiImage: image)
+                .resizable()
+                .scaledToFill()
+        } else {
+            RemoteImage(urlString: url) {
+                Rectangle()
+                    .fill(AppDesign.primarySoft)
+                    .overlay {
+                        Image(systemName: "creditcard")
+                            .foregroundStyle(AppDesign.primary)
+                    }
+            }
+        }
+    }
+}
+
+/// 积分兑换页，展示积分概览、提交兑换申请和兑换记录。
+struct PointsRedemptionView: View {
+    @Environment(AccountContext.self) private var accountContext
+    @Environment(WalletAPI.self) private var walletAPI
+    @Environment(ToastCenter.self) private var toastCenter
+    @State private var viewModel = PointsRedemptionViewModel()
+
+    var body: some View {
+        ScrollView {
+            VStack(spacing: AppMetrics.Spacing.medium) {
+                VStack(alignment: .leading, spacing: AppMetrics.Spacing.small) {
+                    Text("可兑换积分")
+                        .font(.system(size: AppMetrics.FontSize.subheadline))
+                        .foregroundStyle(AppDesign.textSecondary)
+                    Text("\(viewModel.overview.withdrawnPoints)")
+                        .font(.system(size: AppMetrics.FontSize.largeTitle, weight: .bold))
+                        .foregroundStyle(AppDesign.textPrimary)
+                    HStack {
+                        TextField("请输入兑换积分", text: $viewModel.pointsText)
+                            .keyboardType(.numberPad)
+                        Button("全部") {
+                            viewModel.fillAllPoints()
+                        }
+                    }
+                    .appInputFieldStyle(cornerRadius: 8, minHeight: AppMetrics.ControlSize.inputHeight)
+                    Button(viewModel.isSubmitting ? "提交中..." : "提交兑换") {
+                        Task {
+                            if await viewModel.submit(api: walletAPI, staffId: staffId) {
+                                toastCenter.show("积分兑换申请已提交")
+                            }
+                        }
+                    }
+                    .frame(maxWidth: .infinity, minHeight: AppMetrics.ControlSize.primaryButtonHeight)
+                    .foregroundStyle(.white)
+                    .background(AppDesign.primary, in: RoundedRectangle(cornerRadius: 8))
+                }
+                .padding(AppMetrics.Spacing.medium)
+                .background(.white, in: RoundedRectangle(cornerRadius: 8))
+
+                LazyVStack(spacing: AppMetrics.Spacing.small) {
+                    ForEach(viewModel.records) { item in
+                        HStack {
+                            VStack(alignment: .leading, spacing: AppMetrics.Spacing.xxxSmall) {
+                                Text("\(item.points) 积分")
+                                    .font(.system(size: AppMetrics.FontSize.subheadline, weight: .semibold))
+                                Text(item.createdAt)
+                                    .font(.system(size: AppMetrics.FontSize.caption))
+                                    .foregroundStyle(AppDesign.textSecondary)
+                            }
+                            Spacer()
+                            Text("¥\(item.amount, specifier: "%.2f")")
+                                .font(.system(size: AppMetrics.FontSize.subheadline, weight: .semibold))
+                        }
+                        .padding(AppMetrics.Spacing.medium)
+                        .background(.white, in: RoundedRectangle(cornerRadius: 8))
+                    }
+                    if viewModel.canLoadMore {
+                        Button("加载更多") {
+                            Task { await viewModel.loadMore(api: walletAPI) }
+                        }
+                    }
+                }
+            }
+            .padding(.horizontal, AppMetrics.Spacing.pageHorizontal)
+            .padding(.vertical, AppMetrics.Spacing.pageVertical)
+        }
+        .background(Color(hex: 0xF5F7FA))
+        .navigationTitle("积分兑换")
+        .navigationBarTitleDisplayMode(.inline)
+        .task { await viewModel.load(api: walletAPI, staffId: staffId) }
+        .onChange(of: viewModel.errorMessage) { _, message in
+            if let message {
+                toastCenter.show(message)
+            }
+        }
+    }
+
+    /// 当前用户 staffId。
+    private var staffId: Int? {
+        Int(accountContext.profile?.userId ?? "")
+    }
+}
diff --git a/suixinkan/Features/Wallet/Wallet.md b/suixinkan/Features/Wallet/Wallet.md
new file mode 100644
index 0000000..8c0aff5
--- /dev/null
+++ b/suixinkan/Features/Wallet/Wallet.md
@@ -0,0 +1,31 @@
+# 钱包模块
+
+## 模块职责
+
+`Features/Wallet` 承接首页 `wallet` 权限入口，负责个人钱包首页、收益明细、提现记录、提现申请、银行卡设置和积分兑换。
+
+## 代码结构
+
+- `WalletAPI`：封装钱包、提现、银行卡、地区、积分相关接口。
+- `WalletViewModel`：管理钱包汇总、收益明细分页、提现记录分页和提现资格判断。
+- `WithdrawApplyViewModel`：管理提现信息、金额校验、短信验证码和提现提交。
+- `WithdrawalSettingsViewModel`：管理银行卡资料、图片上传和银行卡更新提交。
+- `PointsRedemptionViewModel`：管理积分概览、兑换记录和兑换申请。
+- `WalletView`：钱包首页和钱包内部二级路由入口。
+
+## 提现资格流
+
+点击提现后先查询实名认证：
+
+1. 未提交或驳回：进入已迁移的 `RealNameAuthView`。
+2. 审核中：提示等待实名认证审核通过。
+3. 实名认证通过：查询银行卡资料。
+4. 无银行卡或银行卡驳回：进入 `WithdrawalSettingsView`。
+5. 银行卡审核中：提示等待审核。
+6. 银行卡通过：进入 `WithdrawApplyView`。
+
+## 上传与缓存边界
+
+银行卡正反面照片使用 `PhotosPicker` 选择后，通过 `OSSUploadService.uploadBankCardImage` 上传到 `bank_card/yyyyMMdd/scenicId/...` 路径，再把最终 URL 提交给服务端。
+
+钱包数据只保存在各 ViewModel 内存中。短信验证码、OSS STS、提现表单、银行卡图片 Data 和积分兑换表单均不落盘。
diff --git a/suixinkanTests/HomeMenuRouterTests.swift b/suixinkanTests/HomeMenuRouterTests.swift
index f5db8c9..a8309f8 100644
--- a/suixinkanTests/HomeMenuRouterTests.swift
+++ b/suixinkanTests/HomeMenuRouterTests.swift
@@ -25,6 +25,10 @@ final class HomeMenuRouterTests: XCTestCase {
         XCTAssertEqual(HomeMenuRouter.resolve(uri: "space_settings", title: ""), .destination(.profileSpace))
         XCTAssertEqual(HomeMenuRouter.resolve(uri: "scenicselection", title: ""), .destination(.scenicSelection))
         XCTAssertEqual(HomeMenuRouter.resolve(uri: "store", title: ""), .destination(.moreFunctions))
+        XCTAssertEqual(HomeMenuRouter.resolve(uri: "wallet", title: ""), .destination(.wallet))
+        XCTAssertEqual(HomeMenuRouter.resolve(uri: "payment_collection", title: ""), .destination(.paymentCollection))
+        XCTAssertEqual(HomeMenuRouter.resolve(uri: "payment_qr", title: ""), .destination(.paymentCollection))
+        XCTAssertEqual(HomeMenuRouter.resolve(uri: "payment_code", title: ""), .destination(.paymentCollection))
     }
 
     /// 测试已知但未迁移的首页路由会进入安全占位。
@@ -33,10 +37,6 @@ final class HomeMenuRouterTests: XCTestCase {
             HomeMenuRouter.resolve(uri: "task_management", title: ""),
             .destination(.modulePlaceholder(uri: "task_management", title: "任务管理"))
         )
-        XCTAssertEqual(
-            HomeMenuRouter.resolve(uri: "payment_qr", title: ""),
-            .destination(.modulePlaceholder(uri: "payment_qr", title: "收款码"))
-        )
     }
 
     /// 测试 Tab 路由仍集中在 HomeMenuRouter。
diff --git a/suixinkanTests/NavigationRouterTests.swift b/suixinkanTests/NavigationRouterTests.swift
index 3b25e5e..2685043 100644
--- a/suixinkanTests/NavigationRouterTests.swift
+++ b/suixinkanTests/NavigationRouterTests.swift
@@ -14,6 +14,8 @@ final class NavigationRouterTests: XCTestCase {
     func testPushedRoutesHideTabBarByDefault() {
         XCTAssertTrue(AppRoute.placeholder(title: "详情").hidesTabBarWhenPushed)
         XCTAssertTrue(AppRoute.home(.moreFunctions).hidesTabBarWhenPushed)
+        XCTAssertTrue(AppRoute.home(.paymentCollection).hidesTabBarWhenPushed)
+        XCTAssertTrue(AppRoute.home(.wallet).hidesTabBarWhenPushed)
         XCTAssertTrue(AppRoute.orders(.storeDetail(try! Self.firstOrder())).hidesTabBarWhenPushed)
         XCTAssertTrue(AppRoute.orders(.writeOffDetail(try! Self.firstWriteOffOrder())).hidesTabBarWhenPushed)
     }
diff --git a/suixinkanTests/PaymentViewModelTests.swift b/suixinkanTests/PaymentViewModelTests.swift
new file mode 100644
index 0000000..a7f44da
--- /dev/null
+++ b/suixinkanTests/PaymentViewModelTests.swift
@@ -0,0 +1,108 @@
+//
+//  PaymentViewModelTests.swift
+//  suixinkanTests
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import XCTest
+@testable import suixinkan
+
+@MainActor
+/// 收款模块测试，覆盖收款码、动态二维码、轮询和记录分组。
+final class PaymentViewModelTests: XCTestCase {
+    /// 测试无景区时清空二维码且不请求接口。
+    func testLoadPayCodeWithoutScenicClearsState() async {
+        let api = PaymentMockAPI()
+        let viewModel = PaymentCollectionViewModel()
+        viewModel.staticPayUrl = "old"
+
+        await viewModel.loadPayCode(api: api, scenicId: nil)
+
+        XCTAssertTrue(viewModel.staticPayUrl.isEmpty)
+        XCTAssertEqual(api.payCodeScenicIds, [])
+        XCTAssertEqual(viewModel.errorMessage, "请先选择景区")
+    }
+
+    /// 测试收款码接口加载后生成当前二维码 URL。
+    func testLoadPayCodeUsesScenicIdAndAppliesStaticURL() async {
+        let api = PaymentMockAPI()
+        api.payCodeResponse = PayCodeResponse(staticPayUrl: "https://pay.example.com/static", dynamicPayUrl: "https://pay.example.com/dynamic")
+        let viewModel = PaymentCollectionViewModel()
+
+        await viewModel.loadPayCode(api: api, scenicId: 9)
+
+        XCTAssertEqual(api.payCodeScenicIds, [9])
+        XCTAssertEqual(viewModel.currentPayUrl, "https://pay.example.com/static")
+        XCTAssertTrue(viewModel.hasStaticPayCode)
+    }
+
+    /// 测试设置金额会校验金额并生成动态收款 URL。
+    func testApplyDynamicAmountBuildsDynamicURL() async {
+        let viewModel = PaymentCollectionViewModel()
+        viewModel.dynamicPayUrl = "https://pay.example.com/dynamic?scenic_id=9"
+        viewModel.amountText = "12.345"
+        viewModel.remarkText = "茶水"
+
+        XCTAssertTrue(viewModel.applyDynamicAmount())
+        XCTAssertTrue(viewModel.currentPayUrl.contains("amount=12.35"))
+        XCTAssertTrue(viewModel.currentPayUrl.contains("remark="))
+        XCTAssertEqual(viewModel.status, .waiting)
+    }
+
+    /// 测试轮询命中新收款记录后进入成功态。
+    func testPollingFindsNewPaymentRecord() async {
+        let api = PaymentMockAPI()
+        api.recordResponses = [
+            PaymentCollectionRecordResponse(list: [
+                PaymentCollectionRecordItem(orderNumber: "A", userPhone: "138", orderAmount: "8.00", createDate: "2026-06-22", createTime: "10:00")
+            ]),
+            PaymentCollectionRecordResponse(list: [
+                PaymentCollectionRecordItem(orderNumber: "A", userPhone: "138", orderAmount: "8.00", createDate: "2026-06-22", createTime: "10:00"),
+                PaymentCollectionRecordItem(orderNumber: "B", userPhone: "139", orderAmount: "12.35", createDate: "2026-06-22", createTime: "10:01")
+            ])
+        ]
+        let viewModel = PaymentCollectionViewModel()
+        viewModel.amountText = "12.35"
+        await viewModel.primePaymentRecords(api: api, scenicId: 9)
+
+        await viewModel.pollUntilPaymentDetected(api: api, scenicId: 9, maxAttempts: 1, intervalNanoseconds: 0)
+
+        XCTAssertEqual(viewModel.status, .success(PaymentCollectionRecordItem(orderNumber: "B", userPhone: "139", orderAmount: "12.35", createDate: "2026-06-22", createTime: "10:01")))
+    }
+
+    /// 测试后端缺少日汇总时能从列表兜底生成分组。
+    func testRecordGroupsFallbackFromList() {
+        let response = PaymentCollectionRecordResponse(list: [
+            PaymentCollectionRecordItem(orderNumber: "A", userPhone: "138", orderAmount: "8.00", createDate: "2026-06-21", createTime: "10:00"),
+            PaymentCollectionRecordItem(orderNumber: "B", userPhone: "139", orderAmount: "12.00", createDate: "2026-06-21", createTime: "10:01")
+        ])
+
+        let groups = PaymentCollectionRecordViewModel.makeGroups(from: response)
+
+        XCTAssertEqual(groups.count, 1)
+        XCTAssertEqual(groups[0].analyse.orderCount, 2)
+        XCTAssertEqual(groups[0].analyse.orderAmountSum, "20")
+    }
+}
+
+@MainActor
+/// 收款 API 测试替身。
+private final class PaymentMockAPI: PaymentServing {
+    var payCodeResponse = PayCodeResponse()
+    var recordResponses: [PaymentCollectionRecordResponse] = []
+    private(set) var payCodeScenicIds: [Int] = []
+    private(set) var recordScenicIds: [Int] = []
+
+    /// 记录景区 ID 并返回收款码响应。
+    func payCode(scenicId: Int) async throws -> PayCodeResponse {
+        payCodeScenicIds.append(scenicId)
+        return payCodeResponse
+    }
+
+    /// 记录景区 ID 并返回下一份收款记录响应。
+    func paymentCollectionRecords(scenicId: Int) async throws -> PaymentCollectionRecordResponse {
+        recordScenicIds.append(scenicId)
+        return recordResponses.isEmpty ? PaymentCollectionRecordResponse() : recordResponses.removeFirst()
+    }
+}
diff --git a/suixinkanTests/ProfileSecondaryPagesTests.swift b/suixinkanTests/ProfileSecondaryPagesTests.swift
index 1d3e552..b53f1f2 100644
--- a/suixinkanTests/ProfileSecondaryPagesTests.swift
+++ b/suixinkanTests/ProfileSecondaryPagesTests.swift
@@ -370,6 +370,11 @@ private final class MockOSSUploader: OSSUploadServing {
     func uploadScenicApplicationImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String {
         avatarURL
     }
+
+    /// 模拟上传银行卡照片。
+    func uploadBankCardImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String {
+        avatarURL
+    }
 }
 
 /// 生成测试用 JPEG 图片数据。
diff --git a/suixinkanTests/UploadTests.swift b/suixinkanTests/UploadTests.swift
index 1d463dd..c01b15f 100644
--- a/suixinkanTests/UploadTests.swift
+++ b/suixinkanTests/UploadTests.swift
@@ -43,6 +43,10 @@ final class UploadTests: XCTestCase {
             OSSUploadPolicy.objectKey(fileName: "video.mp4", scenicId: 9, moduleType: "task_upload", date: date, uuid: uuid, timeZone: timeZone),
             "task_upload/20260101/9/123456781234123412341234567890AB_video.mp4"
         )
+        XCTAssertEqual(
+            OSSUploadPolicy.objectKey(fileName: "bank.jpg", scenicId: 9, moduleType: "bank_card", date: date, uuid: uuid, timeZone: timeZone),
+            "bank_card/20260101/9/123456781234123412341234567890AB_bank.jpg"
+        )
     }
 
     /// 测试 MIME 类型推断和 URL 拼接规则。
diff --git a/suixinkanTests/WalletViewModelTests.swift b/suixinkanTests/WalletViewModelTests.swift
new file mode 100644
index 0000000..7854aad
--- /dev/null
+++ b/suixinkanTests/WalletViewModelTests.swift
@@ -0,0 +1,222 @@
+//
+//  WalletViewModelTests.swift
+//  suixinkanTests
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import XCTest
+@testable import suixinkan
+
+@MainActor
+/// 钱包模块测试，覆盖首页、提现资格、银行卡上传和积分兑换。
+final class WalletViewModelTests: XCTestCase {
+    /// 测试钱包首页会加载汇总和收益明细。
+    func testWalletInitialLoadFetchesSummaryAndEarnings() async {
+        let api = WalletMockAPI()
+        api.summary = WalletSummaryResponse(amountTotal: "100", amountCurrentBalance: "80", amountWithdrawable: "60")
+        api.earningResponses = [WalletEarningDetailResponse(total: 1, list: [WalletEarningDetailGroup(date: "2026-06-22")])]
+        let viewModel = WalletViewModel()
+
+        await viewModel.loadInitial(api: api, staffId: 7)
+
+        XCTAssertEqual(viewModel.withdrawableText, "¥ 60")
+        XCTAssertEqual(api.pointOverviewStaffIds, [7])
+        XCTAssertEqual(api.earningQueries.count, 1)
+        XCTAssertEqual(viewModel.earningsGroups.map(\.date), ["2026-06-22"])
+    }
+
+    /// 测试切换到提现记录 Tab 会请求提现分页。
+    func testSelectWithdrawTabLoadsWithdrawRecords() async {
+        let api = WalletMockAPI()
+        let viewModel = WalletViewModel()
+
+        await viewModel.selectTab(.withdraws, api: api)
+
+        XCTAssertEqual(api.withdrawListPages, [1])
+    }
+
+    /// 测试提现资格流根据实名认证和银行卡状态进入正确页面。
+    func testWithdrawDecisionRoutesByRealNameAndBankCardState() async throws {
+        let profile = WalletRealNameMockAPI()
+        let wallet = WalletMockAPI()
+        let viewModel = WalletViewModel()
+
+        profile.response = RealNameInfoResponse(realNameInfo: nil)
+        var decision = await viewModel.resolveWithdrawDecision(profileAPI: profile, walletAPI: wallet)
+        XCTAssertEqual(decision, .route(.realNameAuth))
+
+        profile.response = try Self.realNameInfo(status: 2)
+        wallet.bankCardResponse = BankCardInfoResponse(bankCard: nil)
+        decision = await viewModel.resolveWithdrawDecision(profileAPI: profile, walletAPI: wallet)
+        XCTAssertEqual(decision, .route(.bankCardSettings))
+
+        wallet.bankCardResponse = try BankCardInfoResponse(bankCard: Self.bankCard(status: 2))
+        decision = await viewModel.resolveWithdrawDecision(profileAPI: profile, walletAPI: wallet)
+        XCTAssertEqual(decision, .route(.withdrawApply))
+    }
+
+    /// 测试提现申请提交会校验金额并传递规范化金额。
+    func testWithdrawApplySubmitsNormalizedAmount() async throws {
+        let api = WalletMockAPI()
+        api.withdrawInfoResponse = try Self.withdrawInfo(withdrawable: "100")
+        let viewModel = WithdrawApplyViewModel()
+        await viewModel.load(api: api)
+        viewModel.amountText = "12.345"
+        viewModel.smsCode = "8899"
+
+        let success = await viewModel.submit(api: api)
+
+        XCTAssertTrue(success)
+        XCTAssertEqual(api.withdrawApplyBodies.map(\.amount), ["12.35"])
+        XCTAssertEqual(api.withdrawApplyBodies.map(\.smsCode), ["8899"])
+    }
+
+    /// 测试银行卡设置会先上传正反面照片，再提交最终 URL。
+    func testWithdrawalSettingsUploadsImagesBeforeSubmit() async {
+        let api = WalletMockAPI()
+        let uploader = WalletUploadMock()
+        let viewModel = WithdrawalSettingsViewModel()
+        viewModel.realName = "张三"
+        viewModel.cardNumber = "622200"
+        viewModel.bankName = "中国银行"
+        viewModel.branchName = "杭州支行"
+        viewModel.provinceCode = "330000"
+        viewModel.cityCode = "330100"
+        viewModel.smsCode = "1234"
+        viewModel.frontImageData = Data([1])
+        viewModel.backImageData = Data([2])
+
+        let success = await viewModel.submit(api: api, uploader: uploader, scenicId: 9)
+
+        XCTAssertTrue(success)
+        XCTAssertEqual(uploader.bankUploads.count, 2)
+        XCTAssertEqual(api.updateBankRequests.first?.frontUrl, "https://cdn.example.com/bank_card_front.jpg")
+        XCTAssertEqual(api.updateBankRequests.first?.backUrl, "https://cdn.example.com/bank_card_back.jpg")
+    }
+
+    /// 测试积分兑换不能超过可兑换积分，成功后会刷新列表。
+    func testPointsRedemptionValidationAndSubmit() async {
+        let api = WalletMockAPI()
+        api.pointOverviewResponse = PointOverviewResponse(withdrawnPoints: 100)
+        let viewModel = PointsRedemptionViewModel()
+        await viewModel.load(api: api, staffId: 7)
+        viewModel.pointsText = "120"
+
+        var success = await viewModel.submit(api: api, staffId: 7)
+        XCTAssertFalse(success)
+        XCTAssertEqual(viewModel.errorMessage, "兑换积分不能超过可兑换积分")
+
+        viewModel.pointsText = "80"
+        success = await viewModel.submit(api: api, staffId: 7)
+        XCTAssertTrue(success)
+        XCTAssertEqual(api.pointApplyBodies.map(\.points), [80])
+    }
+
+    /// 从 JSON 创建实名认证响应。
+    private static func realNameInfo(status: Int) throws -> RealNameInfoResponse {
+        let data = """
+        {"real_name_info":{"real_name":"张三","id_card_no":"11010519491231002X","audit_status":\(status),"is_long_valid":1}}
+        """.data(using: .utf8)!
+        return try JSONDecoder().decode(RealNameInfoResponse.self, from: data)
+    }
+
+    /// 从 JSON 创建银行卡信息。
+    private static func bankCard(status: Int) throws -> WalletBankCardInfo {
+        let data = """
+        {"real_name":"张三","bank_name":"中国银行","branch_name":"杭州支行","card_number":"622200","audit_status":\(status),"audit_status_label":"通过"}
+        """.data(using: .utf8)!
+        return try JSONDecoder().decode(WalletBankCardInfo.self, from: data)
+    }
+
+    /// 从 JSON 创建提现信息。
+    fileprivate static func withdrawInfo(withdrawable: String) throws -> WithdrawInfoResponse {
+        let data = """
+        {"amount_withdrawable":"\(withdrawable)","min_withdraw_amount":"1","max_single_withdraw_amount":"1000","max_daily_withdraw_amount":"1000","user_phone":"13800000000","bank_card":{"real_name":"张三","bank_name":"中国银行","card_number":"622200"},"withdraw_info":[]}
+        """.data(using: .utf8)!
+        return try JSONDecoder().decode(WithdrawInfoResponse.self, from: data)
+    }
+}
+
+@MainActor
+/// 钱包 API 测试替身。
+private final class WalletMockAPI: WalletServing {
+    var summary = WalletSummaryResponse()
+    var earningResponses: [WalletEarningDetailResponse] = []
+    var withdrawResponses: [WalletWithdrawListResponse] = []
+    var withdrawInfoResponse: WithdrawInfoResponse?
+    var bankCardResponse = BankCardInfoResponse(bankCard: nil)
+    var pointOverviewResponse = PointOverviewResponse()
+    private(set) var earningQueries: [(start: String, end: String, page: Int)] = []
+    private(set) var withdrawListPages: [Int] = []
+    private(set) var withdrawApplyBodies: [(amount: String, smsCode: String)] = []
+    private(set) var updateBankRequests: [UpdateBankInfoRequest] = []
+    private(set) var pointOverviewStaffIds: [Int] = []
+    private(set) var pointApplyBodies: [(points: Int, remark: String)] = []
+
+    func walletSummary(type: Int) async throws -> WalletSummaryResponse { summary }
+    func walletEarningDetail(startDate: String, endDate: String, page: Int, pageSize: Int) async throws -> WalletEarningDetailResponse {
+        earningQueries.append((startDate, endDate, page))
+        return earningResponses.isEmpty ? WalletEarningDetailResponse() : earningResponses.removeFirst()
+    }
+    func walletWithdrawList(page: Int, pageSize: Int) async throws -> WalletWithdrawListResponse {
+        withdrawListPages.append(page)
+        return withdrawResponses.isEmpty ? WalletWithdrawListResponse() : withdrawResponses.removeFirst()
+    }
+    func withdrawInfo() async throws -> WithdrawInfoResponse {
+        if let withdrawInfoResponse { return withdrawInfoResponse }
+        return try WalletViewModelTests.withdrawInfo(withdrawable: "0")
+    }
+    func withdrawSendSms() async throws {}
+    func withdrawApply(amount: String, smsCode: String) async throws {
+        withdrawApplyBodies.append((amount, smsCode))
+    }
+    func bankCardInfo() async throws -> BankCardInfoResponse { bankCardResponse }
+    func bankList() async throws -> BankListResponse { BankListResponse(banks: ["中国银行"]) }
+    func areas() async throws -> [AreaNode] { [] }
+    func bankCardVerifyCode() async throws {}
+    func updateBankInfo(_ request: UpdateBankInfoRequest) async throws {
+        updateBankRequests.append(request)
+    }
+    func pointOverview(staffId: Int) async throws -> PointOverviewResponse {
+        pointOverviewStaffIds.append(staffId)
+        return pointOverviewResponse
+    }
+    func pointWithdrawApply(points: Int, remark: String) async throws {
+        pointApplyBodies.append((points, remark))
+    }
+    func pointWithdrawList(status: Int?, page: Int, pageSize: Int) async throws -> PointWithdrawListResponse {
+        PointWithdrawListResponse()
+    }
+}
+
+@MainActor
+/// 钱包实名认证测试替身。
+private final class WalletRealNameMockAPI: WalletRealNameServing {
+    var response = RealNameInfoResponse(realNameInfo: nil)
+
+    /// 返回预设实名认证响应。
+    func realNameInfo() async throws -> RealNameInfoResponse {
+        response
+    }
+}
+
+@MainActor
+/// 钱包上传测试替身。
+private final class WalletUploadMock: OSSUploadServing {
+    private(set) var bankUploads: [String] = []
+
+    func uploadBankCardImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String {
+        bankUploads.append(fileName)
+        onProgress(100)
+        return "https://cdn.example.com/\(fileName)"
+    }
+
+    func uploadUserAvatar(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadRealNameImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadCloudFile(data: Data, fileName: String, fileType: Int, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadAlbumFile(data: Data, fileName: String, fileType: Int, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadTaskFile(data: Data, fileName: String, fileType: Int, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadPunchPointImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadScenicApplicationImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+}