diff --git a/rc-service/rc-inner-api/wallet-inner/wallet-inner-model/src/main/java/com/red/circle/wallet/inner/error/WalletErrorCode.java b/rc-service/rc-inner-api/wallet-inner/wallet-inner-model/src/main/java/com/red/circle/wallet/inner/error/WalletErrorCode.java
index 4803f257..8eb632d0 100644
--- a/rc-service/rc-inner-api/wallet-inner/wallet-inner-model/src/main/java/com/red/circle/wallet/inner/error/WalletErrorCode.java
+++ b/rc-service/rc-inner-api/wallet-inner/wallet-inner-model/src/main/java/com/red/circle/wallet/inner/error/WalletErrorCode.java
@@ -75,9 +75,12 @@ public enum WalletErrorCode implements IResponseErrorCode {
   /**
    * 支付密码不符合规则.
    */
-  PAY_PASSWORD_NOT_COMPLY_WITH_RULES(5012, "Password does not comply with rules")
-
+  PAY_PASSWORD_NOT_COMPLY_WITH_RULES(5012, "Password does not comply with rules"),
 
+  /**
+   * 目标用户不是充值代理
+   */
+  TARGET_USER_NOT_RECHARGE_AGENCY(5013, "The target user is not a recharge agency."),
   ;
 
 
diff --git a/rc-service/rc-service-other/other-application/src/main/java/com/red/circle/other/app/command/activity/LotteryTransferExe.java b/rc-service/rc-service-other/other-application/src/main/java/com/red/circle/other/app/command/activity/LotteryTransferExe.java
index 33dbddc7..07949b12 100644
--- a/rc-service/rc-service-other/other-application/src/main/java/com/red/circle/other/app/command/activity/LotteryTransferExe.java
+++ b/rc-service/rc-service-other/other-application/src/main/java/com/red/circle/other/app/command/activity/LotteryTransferExe.java
@@ -71,6 +71,10 @@ public class LotteryTransferExe {
     try {
       Long userId = cmd.requiredReqUserId();
 
+      // 6. 判断接收用户是否是货运代理
+      boolean isFreight = freightBalanceClient.existsBalance(cmd.getAcceptUserId()).getBody();
+      ResponseAssert.isTrue(WalletErrorCode.TARGET_USER_NOT_RECHARGE_AGENCY, isFreight);
+
       // 1. 获取可提现金额
       LotteryWithdrawAmountCO withdrawAmount = lotteryWithdrawAmountQryExe.execute(userId, cmd.getActivityId());;
       BigDecimal availableAmount = withdrawAmount.getAvailableAmount();
@@ -102,9 +106,6 @@ public class LotteryTransferExe {
 
       Long withdrawId = withdraw.getId();
 
-      // 6. 判断接收用户是否是货运代理
-      boolean isFreight = freightBalanceClient.existsBalance(cmd.getAcceptUserId()).getBody();
-
       // 7. 发送金币给接收用户
       sendGold(cmd, isFreight, goldQuantity, withdrawId, "抽奖活动转账金币");
 
diff --git a/rc-service/rc-service-wallet/wallet-adapter/src/main/java/com/red/circle/wallet/adapter/app/BankRestController.java b/rc-service/rc-service-wallet/wallet-adapter/src/main/java/com/red/circle/wallet/adapter/app/BankRestController.java
index aa4bbad9..f5ed2949 100644
--- a/rc-service/rc-service-wallet/wallet-adapter/src/main/java/com/red/circle/wallet/adapter/app/BankRestController.java
+++ b/rc-service/rc-service-wallet/wallet-adapter/src/main/java/com/red/circle/wallet/adapter/app/BankRestController.java
@@ -151,19 +151,6 @@ public class BankRestController extends BaseController {
     return userBankService.transferGold(cmd);
   }
 
-  /**
-   * 活动转账到金币.
-   *
-   * @eo.name 转账到金币.
-   * @eo.url /transferGold
-   * @eo.method post
-   * @eo.request-type json
-   */
-  @PostMapping("/activity/transferGold")
-  public UserBankWithdrawResultCO activityTransferGold(@RequestBody @Validated UserBankWithdrawTransferCmd cmd) {
-    return userBankService.transferGold(cmd);
-  }
-
   /**
    * 钻石转账.
    *
diff --git a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java
index 4aa30259..ddf8ceb9 100644
--- a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java
+++ b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java
@@ -75,6 +75,9 @@ public class UserBankTransferGoldCmdExe {
       ResponseAssert.isTrue(ResponseErrorCode.REQUEST_PARAMETER_ERROR,
           ArithmeticUtils.gtZero(cmd.getAmount()));
 
+      boolean freight = freightBalanceService.existsBalance(cmd.getAcceptUserId());
+      ResponseAssert.isTrue(WalletErrorCode.TARGET_USER_NOT_RECHARGE_AGENCY, freight);
+
       // 上锁
       String key = "UBWTransferGold:" + cmd.requiredReqUserId();
       ResponseAssert.isTrue(CommonErrorCode.REQUEST_LIMITING, redisService.lock(key, 60));
@@ -114,8 +117,6 @@ public class UserBankTransferGoldCmdExe {
               .setCreateUserOrigin(OpUserType.APP.getType())
       );
 
-      boolean freight = freightBalanceService.existsBalance(cmd.getAcceptUserId());
-
       BigDecimal goldQuantity = BigDecimal.valueOf(goldRatio).multiply(cmd.getAmount()).setScale(0, RoundingMode.DOWN);
       // 发送金额
       sendGold(cmd, freight, goldQuantity, bankRunWaterId, "转账金币");
diff --git a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankWithdrawTransferCmdExe.java b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankWithdrawTransferCmdExe.java
index d54333d1..02123a8a 100644
--- a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankWithdrawTransferCmdExe.java
+++ b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankWithdrawTransferCmdExe.java
@@ -52,8 +52,6 @@ public class UserBankWithdrawTransferCmdExe {
     ResponseAssert.isTrue(ResponseErrorCode.REQUEST_PARAMETER_ERROR,
         ArithmeticUtils.gtZero(cmd.getAmount()));
 
-    checkPayPassword(cmd);
-
     // 上锁
     String key = "UBWTransfer:" + cmd.requiredReqUserId();
     ResponseAssert.isTrue(CommonErrorCode.REQUEST_LIMITING, redisService.lock(key, 60));