diff --git a/h5/app-invite/landing.html b/h5/app-invite/landing.html
index 69c2a45..ec050d6 100644
--- a/h5/app-invite/landing.html
+++ b/h5/app-invite/landing.html
@@ -6,7 +6,7 @@
       name="viewport"
       content="width=device-width, initial-scale=1.0, maximum-scale=1.0, user-scalable=no, viewport-fit=cover"
     />
-    <title>Invite Gift</title>
+    <title>Yumi Chat Party - Invite Friends to Get Golds</title>
     <style>
       :root {
         --page-width: 420px;
diff --git a/h5/app-invite/landing.js b/h5/app-invite/landing.js
index f69c270..f660641 100644
--- a/h5/app-invite/landing.js
+++ b/h5/app-invite/landing.js
@@ -192,7 +192,7 @@ function formatSignedReward(value) {
 function render() {
   els.title.innerHTML = `Your friend [${escapeHtml(state.friendName)}]<br />has invited you to join`;
   els.avatar.src = trimValue(state.inviterAvatar) || DEFAULT_AVATAR;
-  els.giftRewardAmount.textContent = formatSignedReward(state.giftReward);
+  // els.giftRewardAmount.textContent = formatSignedReward(state.giftReward);
 }
 
 function applyLandingData(body) {
diff --git a/h5/hyapp/host-center/index.html b/h5/hyapp/host-center/index.html
index 9870b74..23c3a9a 100644
--- a/h5/hyapp/host-center/index.html
+++ b/h5/hyapp/host-center/index.html
@@ -41,22 +41,6 @@
         <section class="card profile-card">
           <div class="avatar-shell">
             <img class="avatar-image" id="profileAvatar" alt="" hidden />
-            <svg class="avatar-fallback" id="profileAvatarFallback" viewBox="0 0 72 72" role="img" aria-label="Oscar avatar">
-              <defs>
-                <linearGradient id="avatarBg" x1="12" y1="8" x2="60" y2="64">
-                  <stop stop-color="#5AF6E4" />
-                  <stop offset="1" stop-color="#D9FFF5" />
-                </linearGradient>
-              </defs>
-              <circle cx="36" cy="36" r="35" fill="url(#avatarBg)" />
-              <path d="M22 30 20 18l10 7M50 30l2-12-10 7" fill="#101820" />
-              <path d="M20 31c3-9 28-9 32 0 4 10-3 21-16 21S16 41 20 31Z" fill="#F7FBF7" />
-              <circle cx="29" cy="36" r="4" fill="#101820" />
-              <circle cx="46" cy="36" r="4" fill="#101820" />
-              <circle cx="25" cy="41" r="5" fill="#F0B64A" opacity=".9" />
-              <path d="M35 42h3l-1.5 2Z" fill="#101820" />
-              <path d="M36 45c-2 2-5 3-8 2M38 45c2 2 5 3 8 2" fill="none" stroke="#101820" stroke-width="2" stroke-linecap="round" />
-            </svg>
           </div>
           <div class="profile-copy">
             <div class="name" id="profileName">Oscar</div>
diff --git a/h5/hyapp/host-center/original-vue-logic.md b/h5/hyapp/host-center/original-vue-logic.md
index 5dd2127..7fd76ea 100644
--- a/h5/hyapp/host-center/original-vue-logic.md
+++ b/h5/hyapp/host-center/original-vue-logic.md
@@ -190,6 +190,43 @@
 - 显式查询参数：无。
 - 返回中使用 `body.teamProfile || body` 作为团队信息。
 
+### GET `/team/release/policy`
+
+- 用途：获取团队政策。
+- 查询参数：
+  - `id`: 团队 ID，必传。线上 Java 接口传 `teamId` 会返回 `REQUEST_PARAMETER_ERROR: id required.`
+- 团队 ID 来源：
+  - 优先使用 `/team/entry` 返回的 `body.teamProfile.id`
+  - `/team/team-own/profile` 返回的 `body.id` 是团长/用户资料 ID，不是团队政策接口需要的团队 ID；直接传给 `/team/release/policy?id=...` 会返回 `TEAM_NOT_FOUND`
+- 页面 URL 可以继续带 `teamId` 作为本地跳转参数，但真正请求 Java 接口时必须映射为 `id=<teamProfile.id>`。
+- 返回使用：
+  - `body.policy[]`
+  - `policy[].level`
+  - `policy[].onlineTime`
+  - `policy[].target`
+  - `policy[].memberSalary`
+  - `policy[].ownSalary`
+  - `policy[].totalSalary`
+
+### GET `/team/search-account`
+
+- 用途：加入代理页搜索代理账号。
+- 查询参数：
+  - `account`: 用户输入的代理 ID/账号，必传
+- 原 Vue `ApplyView` 使用：
+  - 请求后判断 `body.teamProfile`
+  - `body.teamProfile.id` 作为加入申请的 `teamId`
+
+### GET `/team/wait-apply/profile`
+
+- 用途：获取当前用户待处理的加入代理申请。
+- 显式查询参数：无。
+- 原 Vue `ApplyView` 使用：
+  - 有返回 `body` 时显示一条 pending 申请记录
+  - 展示 `body.ownUserProfile.userAvatar`
+  - 展示 `body.ownUserProfile.userNickname`
+  - 展示 `body.ownUserProfile.ownSpecialId.account || body.ownUserProfile.account`
+
 ### GET `/wallet/bank/balance`
 
 - 用途：获取工资/银行卡余额。
@@ -226,6 +263,25 @@
 - 返回使用：
   - `body[]`
   - `item.use`
+  - `item.cardType`
+  - `item.cardNo`
+  - `item.payee`
+
+### POST `/wallet/bank-card/add`
+
+- 用途：新增收款方式。
+- Body：
+  - `userId`: 当前用户 ID
+  - `cardType`: `USDT | BANK`
+  - `cardName`: 收款方式名称；USDT 时原 Vue 固定为 `USDT`
+  - `cardNo`: 卡号或 USDT 地址
+  - `payee`: 收款人
+
+### POST `/wallet/bank-card/use`
+
+- 用途：设置当前使用的收款方式。
+- Body：
+  - `id`: 收款方式 ID
 
 ### GET `/wallet/withdraw-info/list`
 
@@ -242,6 +298,39 @@
 - 返回使用：
   - `body` boolean
 
+### GET `/wallet/bank/check/exchange-gold`
+
+- 用途：检查当前用户是否允许兑换金币。
+- 显式查询参数：无。
+- 原 Vue `ExchangeGoldCoins` 用它做兑换入口权限检查。
+
+### POST `/wallet/bank/exchange/gold`
+
+- 用途：把当前可用余额兑换金币。
+- Body（原 Vue 主播兑换页）：
+  - `coinId`: 金币档位 ID
+  - `amount`: 美元金额
+  - `price`: 美元金额
+- Body（原静态逻辑页）：
+  - `amount`: 美元金额
+- 兑换比例未发现后端接口返回；原 Vue 金币档位是前端常量。
+
+### GET `/wallet/bank/search/user-profile`
+
+- 用途：转账前搜索收款用户。
+- 查询参数：
+  - `account`: 用户输入的账号/ID
+  - `type`: 原 Vue 传 `AGENT`
+  - `searchType`: 转账场景传 `TRANSFER`
+
+### POST `/wallet/bank/transferGold`
+
+- 用途：把当前可用余额转给其它用户。
+- Body：
+  - `amount`: 美元金额
+  - `acceptUserId`: 收款用户 ID
+  - `acceptMethod`: 原 Vue 主播转账传 `BANK_TRANSFER`
+
 ### GET `/app/h5/identity`
 
 - 用途：获取当前 H5 身份。
@@ -264,3 +353,12 @@
 - Host Center 退出团队使用：
   - `reason: "QUIT"`
   - `teamId: <当前团队 id>`
+- ApplyView 加入代理使用：
+  - `reason: "JOIN"`
+  - `teamId: <GET /team/search-account 返回的 body.teamProfile.id>`
+
+### POST `/team/user/join-apply-cancel`
+
+- 用途：撤销待处理的加入代理申请。
+- Body：
+  - `id`: 申请记录 `messageId`，必传
diff --git a/h5/hyapp/host-center/policy.js b/h5/hyapp/host-center/policy.js
index 39d9ed0..72a2f17 100644
--- a/h5/hyapp/host-center/policy.js
+++ b/h5/hyapp/host-center/policy.js
@@ -17,6 +17,7 @@
       policy_loading: "Loading policy...",
       policy_empty: "No policy data",
       policy_missing_token: "Missing token",
+      policy_missing_team: "Missing team ID",
       policy_load_failed: "Failed to load policy",
       policy_level: "Level",
       policy_online: "Online (Hour)",
@@ -34,6 +35,7 @@
       policy_loading: "جار تحميل السياسة...",
       policy_empty: "لا توجد بيانات سياسة",
       policy_missing_token: "رمز الدخول مفقود",
+      policy_missing_team: "معرّف الفريق مفقود",
       policy_load_failed: "فشل تحميل السياسة",
       policy_level: "المستوى",
       policy_online: "الاتصال (ساعة)",
@@ -51,6 +53,7 @@
       policy_loading: "Politika yükleniyor...",
       policy_empty: "Politika verisi yok",
       policy_missing_token: "Token eksik",
+      policy_missing_team: "Takım ID eksik",
       policy_load_failed: "Politika yüklenemedi",
       policy_level: "Seviye",
       policy_online: "Online (Saat)",
@@ -68,6 +71,7 @@
       policy_loading: "Memuat kebijakan...",
       policy_empty: "Tidak ada data kebijakan",
       policy_missing_token: "Token tidak ditemukan",
+      policy_missing_team: "ID tim tidak ditemukan",
       policy_load_failed: "Gagal memuat kebijakan",
       policy_level: "Level",
       policy_online: "Online (Jam)",
@@ -163,6 +167,24 @@
     return API_BASE_URL.replace(/\/+$/, "");
   }
 
+  function normalizeAuthorization(token) {
+    const value = String(token || "").trim();
+    if (!value) return "";
+    return /^bearer\s+/i.test(value) ? value : `Bearer ${value}`;
+  }
+
+  function authHeadersFromToken(token) {
+    return {
+      Authorization: normalizeAuthorization(token),
+      "req-lang": currentLang,
+      "req-client": "H5",
+      "req-version": "V2",
+      "req-zone": Intl.DateTimeFormat().resolvedOptions().timeZone || "Asia/Shanghai",
+      "req-app-intel": "version=1.0.0;build=1;model=H5;sysVersion=Web;channel=Web",
+      "req-sys-origin": "origin=ATYOU;originChild=ATYOU"
+    };
+  }
+
   function renderPolicyStatus(key, fallback) {
     policyStatusKey = key;
     const status = document.querySelector("#policyStatus");
@@ -243,6 +265,53 @@
     return row;
   }
 
+  function pickTeamId(entry) {
+    return entry?.teamProfile?.id || entry?.teamId || entry?.id || "";
+  }
+
+  async function fetchTeamEntryId(token) {
+    try {
+      const url = new URL("/team/entry", `${apiBaseURL()}/`);
+      const response = await fetch(url.toString(), {
+        cache: "no-store",
+        headers: authHeadersFromToken(token)
+      });
+      const data = await response.json().catch(() => ({}));
+      if (!response.ok || data.status === false) {
+        throw new Error(data.errorMsg || data.message || `Request failed: ${response.status}`);
+      }
+
+      return pickTeamId(data.body || data.data || {});
+    } catch (error) {
+      console.error("Failed to resolve team ID:", error);
+      return "";
+    }
+  }
+
+  async function resolveTeamId(token, forceTeamEntry = false) {
+    const directTeamId = params.get("teamId") || params.get("team_id") || params.get("TEAM_ID");
+    if (directTeamId && !forceTeamEntry) return directTeamId;
+    return fetchTeamEntryId(token);
+  }
+
+  async function requestTeamPolicy(token, teamId) {
+    const url = new URL("/team/release/policy", `${apiBaseURL()}/`);
+    url.searchParams.set("id", teamId);
+
+    const response = await fetch(url.toString(), {
+      cache: "no-store",
+      headers: authHeadersFromToken(token)
+    });
+    const data = await response.json().catch(() => ({}));
+    if (!response.ok || data.status === false) {
+      const error = new Error(data.errorMsg || data.message || `Request failed: ${response.status}`);
+      error.response = data;
+      throw error;
+    }
+
+    return data.body || data.data || {};
+  }
+
   function renderAnchorPolicy(policy) {
     const rows = Array.isArray(policy?.policy) ? policy.policy : [];
     const list = document.querySelector("#policyList");
@@ -274,17 +343,20 @@
     }
 
     try {
-      const url = new URL("/app/h5/host-center/policy", `${apiBaseURL()}/`);
-      url.searchParams.set("token", token);
-      if (params.get("policyType")) url.searchParams.set("policyType", params.get("policyType"));
-
-      const response = await fetch(url.toString(), { cache: "no-store" });
-      const data = await response.json().catch(() => ({}));
-      if (!response.ok || data.status === false) {
-        throw new Error(data.errorMsg || data.message || `Request failed: ${response.status}`);
+      const teamId = await resolveTeamId(token);
+      if (!teamId) {
+        renderPolicyStatus("policy_missing_team");
+        return;
+      }
+
+      try {
+        currentPolicy = await requestTeamPolicy(token, teamId);
+      } catch (error) {
+        const fallbackTeamId = await resolveTeamId(token, true);
+        if (!fallbackTeamId || fallbackTeamId === teamId) throw error;
+        currentPolicy = await requestTeamPolicy(token, fallbackTeamId);
       }
 
-      currentPolicy = data.body || data.data || {};
       renderAnchorPolicy(currentPolicy);
     } catch (error) {
       console.error("Failed to load anchor policy:", error);
diff --git a/h5/hyapp/host-center/script.js b/h5/hyapp/host-center/script.js
index b957384..8519b6e 100644
--- a/h5/hyapp/host-center/script.js
+++ b/h5/hyapp/host-center/script.js
@@ -123,6 +123,9 @@
   let currentLang = normalizeLanguage(params.get("lang"));
   let currentMessages = fallbackMessages[currentLang] || fallbackMessages.en;
   let currentProfile = null;
+  let currentAgencyProfile = null;
+  let currentTeamId = "";
+  let currentIdentity = null;
   let currentSalary = "0.00";
   let currentStreamingDuration = "0";
   let nextTargetValue = "-";
@@ -224,13 +227,6 @@
     };
   }
 
-  function appendTokenParam(url) {
-    const token = readRawParam("token");
-    if (!token) return false;
-    url.searchParams.set("token", token);
-    return true;
-  }
-
   function profileUidPrefix(messages) {
     const template = messages.uid || fallbackMessages.en.uid;
     const marker = "1234567890";
@@ -245,6 +241,89 @@
     return profile?.ownSpecialId?.account || profile?.account || profile?.id || "1234567890";
   }
 
+  function agencyPrefix(messages) {
+    const template = messages.agency || fallbackMessages.en.agency;
+    const marker = "Bilibili(101013)";
+    return template.includes(marker) ? template.replace(marker, "").trim() : "Agency:";
+  }
+
+  function pickAgencyName(profile) {
+    return profile?.userNickname || profile?.name || profile?.teamName || "-";
+  }
+
+  function pickAgencyAccount(profile) {
+    return profile?.ownSpecialId?.account || profile?.account || profile?.id || "";
+  }
+
+  function formatAgencyText(profile, messages = currentMessages) {
+    const prefix = agencyPrefix(messages);
+    if (!profile) return `${prefix} -`;
+
+    const name = pickAgencyName(profile);
+    const account = pickAgencyAccount(profile);
+    return account ? `${prefix} ${name}(${account})` : `${prefix} ${name}`;
+  }
+
+  function renderAgencyProfile(profile, messages = currentMessages) {
+    const agencyButton = document.querySelector(".agency");
+    const agencyTextNode = document.querySelector(".agency span:first-child");
+    if (!agencyButton || !agencyTextNode) return;
+
+    agencyTextNode.textContent = formatAgencyText(profile, messages);
+    agencyButton.dataset.teamId = String(currentTeamId || pickAgencyTeamId(profile) || "");
+    agencyButton.dataset.account = String(profile?.account || "");
+    agencyButton.dataset.specialAccount = String(profile?.ownSpecialId?.account || "");
+    syncPolicyLink();
+  }
+
+  function pickAgencyTeamId(profile) {
+    return profile?.teamId || profile?.teamProfile?.id || profile?.id || "";
+  }
+
+  function pickTeamEntryId(entry) {
+    return entry?.teamProfile?.id || entry?.teamId || entry?.id || "";
+  }
+
+  function removeAvatarFallback() {
+    document.querySelector("#profileAvatarFallback")?.remove();
+  }
+
+  function ensureAvatarFallback(displayName) {
+    const avatarShell = document.querySelector(".avatar-shell");
+    if (!avatarShell) return null;
+
+    let avatarFallback = document.querySelector("#profileAvatarFallback");
+    if (avatarFallback) {
+      avatarFallback.hidden = false;
+      avatarFallback.setAttribute("aria-label", `${displayName} avatar`);
+      return avatarFallback;
+    }
+
+    const template = document.createElement("template");
+    template.innerHTML = `
+      <svg class="avatar-fallback" id="profileAvatarFallback" viewBox="0 0 72 72" role="img">
+        <defs>
+          <linearGradient id="avatarBg" x1="12" y1="8" x2="60" y2="64">
+            <stop stop-color="#5AF6E4"></stop>
+            <stop offset="1" stop-color="#D9FFF5"></stop>
+          </linearGradient>
+        </defs>
+        <circle cx="36" cy="36" r="35" fill="url(#avatarBg)"></circle>
+        <path d="M22 30 20 18l10 7M50 30l2-12-10 7" fill="#101820"></path>
+        <path d="M20 31c3-9 28-9 32 0 4 10-3 21-16 21S16 41 20 31Z" fill="#F7FBF7"></path>
+        <circle cx="29" cy="36" r="4" fill="#101820"></circle>
+        <circle cx="46" cy="36" r="4" fill="#101820"></circle>
+        <circle cx="25" cy="41" r="5" fill="#F0B64A" opacity=".9"></circle>
+        <path d="M35 42h3l-1.5 2Z" fill="#101820"></path>
+        <path d="M36 45c-2 2-5 3-8 2M38 45c2 2 5 3 8 2" fill="none" stroke="#101820" stroke-width="2" stroke-linecap="round"></path>
+      </svg>
+    `;
+    avatarFallback = template.content.firstElementChild;
+    avatarFallback.setAttribute("aria-label", `${displayName} avatar`);
+    avatarShell.appendChild(avatarFallback);
+    return avatarFallback;
+  }
+
   function renderProfile(profile, messages = currentMessages) {
     if (!profile) return;
 
@@ -252,7 +331,6 @@
     const nameNode = document.querySelector("#profileName");
     const uidNode = document.querySelector("#profileUid");
     const avatarImage = document.querySelector("#profileAvatar");
-    const avatarFallback = document.querySelector("#profileAvatarFallback");
     const displayName = pickProfileName(profile);
     const displayAccount = pickProfileAccount(profile);
 
@@ -265,29 +343,59 @@
     if (nameNode) nameNode.textContent = displayName;
     if (uidNode) uidNode.textContent = `${profileUidPrefix(messages)} ${displayAccount}`.trim();
 
-    if (!avatarImage || !avatarFallback) return;
+    if (!avatarImage) return;
 
     const avatar = profile.userAvatar ? String(profile.userAvatar) : "";
     avatarImage.alt = displayName;
-    avatarFallback.setAttribute("aria-label", `${displayName} avatar`);
 
     if (!avatar) {
       avatarImage.hidden = true;
-      avatarFallback.hidden = false;
+      avatarImage.onerror = null;
       avatarImage.removeAttribute("src");
+      ensureAvatarFallback(displayName);
       return;
     }
 
     avatarImage.hidden = false;
-    avatarFallback.hidden = true;
+    removeAvatarFallback();
     avatarImage.onerror = () => {
       avatarImage.hidden = true;
-      avatarFallback.hidden = false;
       avatarImage.removeAttribute("src");
+      ensureAvatarFallback(displayName);
     };
     avatarImage.src = avatar;
   }
 
+  function hasOwn(object, key) {
+    return Boolean(object && Object.prototype.hasOwnProperty.call(object, key));
+  }
+
+  function isTruthyIdentityValue(value) {
+    if (typeof value === "boolean") return value;
+    if (typeof value === "number") return value === 1;
+    if (typeof value === "string") return ["true", "1", "yes"].includes(value.toLowerCase());
+    return false;
+  }
+
+  function shouldOpenJoinAgency(identity) {
+    if (!hasOwn(identity, "anchor")) return false;
+    return !isTruthyIdentityValue(identity.anchor);
+  }
+
+  function buildPageURL(path) {
+    const url = new URL(path, window.location.href);
+    const nextParams = new URLSearchParams(params);
+    const token = readRawParam("token");
+    if (token) nextParams.set("token", token);
+    if (currentLang) nextParams.set("lang", currentLang);
+    url.search = nextParams.toString();
+    return url.toString();
+  }
+
+  function openJoinAgencyPage() {
+    window.location.replace(buildPageURL("../join-agency/index.html"));
+  }
+
   function formatCurrentSalary(value) {
     const numericValue = Number(value);
     if (Number.isFinite(numericValue)) return numericValue.toFixed(2);
@@ -407,6 +515,92 @@
     }
   }
 
+  async function fetchIdentity() {
+    const token = readRawParam("token");
+    if (!token) {
+      console.warn("Missing token for /app/h5/identity");
+      return null;
+    }
+
+    try {
+      const url = new URL("/app/h5/identity", `${apiBaseURL()}/`);
+
+      const response = await fetch(url.toString(), {
+        cache: "no-store",
+        headers: authHeadersFromToken(token)
+      });
+      const data = await response.json().catch(() => ({}));
+      if (!response.ok || data.status === false) {
+        throw new Error(data.errorMsg || data.message || `Request failed: ${response.status}`);
+      }
+
+      currentIdentity = data.body || data.data || {};
+      return currentIdentity;
+    } catch (error) {
+      console.error("Failed to load H5 identity:", error);
+      return null;
+    }
+  }
+
+  async function fetchAgencyProfile() {
+    const token = readRawParam("token");
+    if (!token) {
+      console.warn("Missing token for /team/team-own/profile");
+      renderAgencyProfile(null);
+      return null;
+    }
+
+    try {
+      const url = new URL("/team/team-own/profile", `${apiBaseURL()}/`);
+
+      const response = await fetch(url.toString(), {
+        cache: "no-store",
+        headers: authHeadersFromToken(token)
+      });
+      const data = await response.json().catch(() => ({}));
+      if (!response.ok || data.status === false) {
+        throw new Error(data.errorMsg || data.message || `Request failed: ${response.status}`);
+      }
+
+      currentAgencyProfile = data.body || data.data || null;
+      renderAgencyProfile(currentAgencyProfile);
+      return currentAgencyProfile;
+    } catch (error) {
+      console.error("Failed to load agency profile:", error);
+      renderAgencyProfile(null);
+      return null;
+    }
+  }
+
+  async function fetchTeamEntry() {
+    const token = readRawParam("token");
+    if (!token) {
+      console.warn("Missing token for /team/entry");
+      return "";
+    }
+
+    try {
+      const url = new URL("/team/entry", `${apiBaseURL()}/`);
+
+      const response = await fetch(url.toString(), {
+        cache: "no-store",
+        headers: authHeadersFromToken(token)
+      });
+      const data = await response.json().catch(() => ({}));
+      if (!response.ok || data.status === false) {
+        throw new Error(data.errorMsg || data.message || `Request failed: ${response.status}`);
+      }
+
+      currentTeamId = pickTeamEntryId(data.body || data.data || {});
+      renderAgencyProfile(currentAgencyProfile);
+      syncPolicyLink();
+      return currentTeamId;
+    } catch (error) {
+      console.error("Failed to load team entry:", error);
+      return "";
+    }
+  }
+
   async function fetchBankBalance() {
     const token = readRawParam("token");
     if (!token) {
@@ -497,15 +691,26 @@
   }
 
   async function fetchAnchorPolicyForTarget() {
+    const token = readRawParam("token");
+    if (!token) {
+      console.warn("Missing token for /team/release/policy");
+      return null;
+    }
+
     try {
-      const url = new URL("/app/h5/host-center/policy", `${apiBaseURL()}/`);
-      if (!appendTokenParam(url)) {
-        console.warn("Missing token for /app/h5/host-center/policy");
+      const teamId = currentTeamId || await fetchTeamEntry();
+      if (!teamId) {
+        console.warn("Missing teamId for /team/release/policy");
         return null;
       }
-      if (params.get("policyType")) url.searchParams.set("policyType", params.get("policyType"));
 
-      const response = await fetch(url.toString(), { cache: "no-store" });
+      const url = new URL("/team/release/policy", `${apiBaseURL()}/`);
+      url.searchParams.set("id", teamId);
+
+      const response = await fetch(url.toString(), {
+        cache: "no-store",
+        headers: authHeadersFromToken(token)
+      });
       const data = await response.json().catch(() => ({}));
       if (!response.ok || data.status === false) {
         throw new Error(data.errorMsg || data.message || `Request failed: ${response.status}`);
@@ -513,7 +718,7 @@
 
       return data.body || data.data || null;
     } catch (error) {
-      console.error("Failed to load anchor policy for next target:", error);
+      console.error("Failed to load team policy for next target:", error);
       return null;
     }
   }
@@ -552,8 +757,10 @@
 
     const nextParams = new URLSearchParams(params);
     const token = readRawParam("token");
+    const teamId = currentTeamId;
     if (token) nextParams.set("token", token);
     if (currentLang) nextParams.set("lang", currentLang);
+    if (teamId) nextParams.set("teamId", teamId);
 
     const query = nextParams.toString();
     link.setAttribute("href", `./policy.html${query ? `?${query}` : ""}`);
@@ -595,6 +802,7 @@
     syncLocalizedLinks();
     syncPolicyLink();
     renderProfile(currentProfile, messages);
+    renderAgencyProfile(currentAgencyProfile, messages);
   }
 
   document.querySelector(".language-button")?.addEventListener("click", (event) => {
@@ -619,7 +827,21 @@
     if (window.history.length > 1) window.history.back();
   });
 
-  applyLanguage(currentLang).then(() => {
+  document.querySelector(".agency")?.addEventListener("click", () => {
+    if (currentIdentity && shouldOpenJoinAgency(currentIdentity)) openJoinAgencyPage();
+  });
+
+  ensureAvatarFallback("Oscar");
+
+  applyLanguage(currentLang).then(async () => {
+    const identity = await fetchIdentity();
+    if (shouldOpenJoinAgency(identity)) {
+      openJoinAgencyPage();
+      return;
+    }
+
+    fetchAgencyProfile();
+    fetchTeamEntry();
     fetchUserProfile().then((profile) => {
       const memberId = profile?.id || profile?.account;
       if (memberId) {
diff --git a/h5/hyapp/join-agency/index.html b/h5/hyapp/join-agency/index.html
new file mode 100644
index 0000000..98c11de
--- /dev/null
+++ b/h5/hyapp/join-agency/index.html
@@ -0,0 +1,90 @@
+<!doctype html>
+<html lang="en">
+  <head>
+    <meta charset="UTF-8" />
+    <meta name="viewport" content="width=device-width, initial-scale=1.0, maximum-scale=1.0, user-scalable=no, viewport-fit=cover" />
+    <title>Join Agency</title>
+    <link rel="stylesheet" href="../host-center/style.css" />
+    <link rel="stylesheet" href="./style.css" />
+  </head>
+  <body>
+    <div class="host-center join-agency-page" aria-label="Join Agency" data-i18n-aria="page_label">
+      <div class="hero-bg" aria-hidden="true"></div>
+
+      <header class="status-bar" aria-hidden="true">
+        <span class="status-time">9:41</span>
+        <span class="status-icons">
+          <span class="cellular"><i></i><i></i><i></i><i></i></span>
+          <span class="wifi"><i></i><i></i><i></i></span>
+          <span class="battery"><i></i></span>
+        </span>
+      </header>
+
+      <nav class="title-bar">
+        <button class="back-button" type="button" aria-label="Back" data-i18n-aria="back">
+          <svg viewBox="0 0 32 32" aria-hidden="true">
+            <path d="M20 8 12 16l8 8" />
+          </svg>
+        </button>
+        <h1 data-i18n="title">Join Agency</h1>
+        <div class="language-switcher">
+          <button class="language-button" type="button" aria-label="Change language" data-i18n-aria="language_button_aria" aria-expanded="false">EN</button>
+          <div class="language-menu" hidden>
+            <button type="button" data-lang="en">EN</button>
+            <button type="button" data-lang="ar">AR</button>
+            <button type="button" data-lang="tr">TR</button>
+            <button type="button" data-lang="id">ID</button>
+          </div>
+        </div>
+      </nav>
+
+      <main class="content join-content">
+        <section class="card join-search-card">
+          <label class="field-label" for="agencyAccount" data-i18n="agency_id">Agency ID</label>
+          <form class="search-form" id="searchForm">
+            <input id="agencyAccount" name="agencyAccount" type="text" inputmode="numeric" autocomplete="off" placeholder="Enter agency ID" data-i18n-placeholder="enter_agent_id" />
+            <button class="search-button" id="searchButton" type="submit" data-i18n="search">Search</button>
+          </form>
+        </section>
+
+        <div class="status-message" id="statusMessage" role="status" hidden></div>
+
+        <section class="card agency-result-card" id="resultCard" hidden>
+          <div class="section-title" data-i18n="agency">Agency</div>
+          <div class="agency-profile-row">
+            <div class="agency-avatar">
+              <img id="agencyAvatar" alt="" hidden />
+              <span id="agencyAvatarFallback">A</span>
+            </div>
+            <div class="agency-copy">
+              <div class="agency-name" id="agencyName">-</div>
+              <div class="agency-account" id="agencyAccountText">UID: -</div>
+            </div>
+          </div>
+          <button class="primary-action" id="applyButton" type="button" data-i18n="apply">Apply</button>
+        </section>
+
+        <section class="card pending-card" id="pendingCard" hidden>
+          <div class="pending-head">
+            <div class="section-title" data-i18n="application_records">Application Records</div>
+            <span class="pending-status" data-i18n="pending">Pending</span>
+          </div>
+          <div class="agency-profile-row">
+            <div class="agency-avatar">
+              <img id="pendingAvatar" alt="" hidden />
+              <span id="pendingAvatarFallback">A</span>
+            </div>
+            <div class="agency-copy">
+              <div class="agency-name" id="pendingName">-</div>
+              <div class="agency-account" id="pendingAccount">UID: -</div>
+            </div>
+          </div>
+          <button class="secondary-action" id="cancelButton" type="button" data-i18n="cancel">Cancel</button>
+        </section>
+      </main>
+
+      <div class="home-indicator" aria-hidden="true"></div>
+    </div>
+    <script src="./script.js" defer></script>
+  </body>
+</html>
diff --git a/h5/hyapp/join-agency/script.js b/h5/hyapp/join-agency/script.js
new file mode 100644
index 0000000..918ab7a
--- /dev/null
+++ b/h5/hyapp/join-agency/script.js
@@ -0,0 +1,529 @@
+(function () {
+  const supportedLanguages = ["en", "ar", "tr", "id"];
+  const languageLabels = {
+    en: "EN",
+    ar: "AR",
+    tr: "TR",
+    id: "ID"
+  };
+  const API_BASE_URL = "https://jvapi.haiyihy.com";
+
+  const fallbackMessages = {
+    en: {
+      document_title: "Join Agency",
+      page_label: "Join Agency",
+      back: "Back",
+      title: "Join Agency",
+      language_button_aria: "Change language",
+      agency_id: "Agency ID",
+      enter_agent_id: "Enter agency ID",
+      search: "Search",
+      searching: "Searching...",
+      apply: "Apply",
+      applying: "Applying...",
+      agency: "Agency",
+      uid_prefix: "UID:",
+      account_not_found: "Account not found or not an agency",
+      missing_token: "Missing token",
+      found: "Agency found",
+      application_submitted: "Application submitted",
+      application_failed: "Application failed",
+      application_records: "Application Records",
+      pending: "Pending",
+      cancel: "Cancel",
+      cancelling: "Cancelling...",
+      cancellation_failed: "Cancellation failed",
+      application_cancelled: "Application cancelled",
+      network_error: "Network error"
+    },
+    ar: {
+      document_title: "الانضمام إلى وكالة",
+      page_label: "الانضمام إلى وكالة",
+      back: "رجوع",
+      title: "الانضمام إلى وكالة",
+      language_button_aria: "تغيير اللغة",
+      agency_id: "معرّف الوكالة",
+      enter_agent_id: "أدخل معرّف الوكالة",
+      search: "بحث",
+      searching: "جار البحث...",
+      apply: "تقديم",
+      applying: "جار التقديم...",
+      agency: "الوكالة",
+      uid_prefix: "UID:",
+      account_not_found: "لم يتم العثور على وكالة",
+      missing_token: "رمز الدخول مفقود",
+      found: "تم العثور على الوكالة",
+      application_submitted: "تم إرسال الطلب",
+      application_failed: "فشل الطلب",
+      application_records: "سجلات الطلب",
+      pending: "قيد الانتظار",
+      cancel: "إلغاء",
+      cancelling: "جار الإلغاء...",
+      cancellation_failed: "فشل الإلغاء",
+      application_cancelled: "تم إلغاء الطلب",
+      network_error: "خطأ في الشبكة"
+    },
+    tr: {
+      document_title: "Ajansa Katıl",
+      page_label: "Ajansa Katıl",
+      back: "Geri",
+      title: "Ajansa Katıl",
+      language_button_aria: "Dili değiştir",
+      agency_id: "Ajans ID",
+      enter_agent_id: "Ajans ID gir",
+      search: "Ara",
+      searching: "Aranıyor...",
+      apply: "Başvur",
+      applying: "Başvuruluyor...",
+      agency: "Ajans",
+      uid_prefix: "UID:",
+      account_not_found: "Hesap bulunamadı veya ajans değil",
+      missing_token: "Token eksik",
+      found: "Ajans bulundu",
+      application_submitted: "Başvuru gönderildi",
+      application_failed: "Başvuru başarısız",
+      application_records: "Başvuru Kayıtları",
+      pending: "Beklemede",
+      cancel: "İptal",
+      cancelling: "İptal ediliyor...",
+      cancellation_failed: "İptal başarısız",
+      application_cancelled: "Başvuru iptal edildi",
+      network_error: "Ağ hatası"
+    },
+    id: {
+      document_title: "Gabung Agensi",
+      page_label: "Gabung Agensi",
+      back: "Kembali",
+      title: "Gabung Agensi",
+      language_button_aria: "Ubah bahasa",
+      agency_id: "ID Agensi",
+      enter_agent_id: "Masukkan ID agensi",
+      search: "Cari",
+      searching: "Mencari...",
+      apply: "Ajukan",
+      applying: "Mengajukan...",
+      agency: "Agensi",
+      uid_prefix: "UID:",
+      account_not_found: "Akun tidak ditemukan atau bukan agensi",
+      missing_token: "Token tidak ditemukan",
+      found: "Agensi ditemukan",
+      application_submitted: "Pengajuan dikirim",
+      application_failed: "Pengajuan gagal",
+      application_records: "Riwayat Pengajuan",
+      pending: "Menunggu",
+      cancel: "Batal",
+      cancelling: "Membatalkan...",
+      cancellation_failed: "Gagal membatalkan",
+      application_cancelled: "Pengajuan dibatalkan",
+      network_error: "Kesalahan jaringan"
+    }
+  };
+
+  const params = readURLParams();
+  let currentLang = normalizeLanguage(params.get("lang"));
+  let currentMessages = fallbackMessages[currentLang] || fallbackMessages.en;
+  let foundAgency = null;
+  let pendingRecord = null;
+
+  function readURLParams() {
+    const result = new URLSearchParams(window.location.search);
+    const hashQuery = window.location.hash.includes("?") ? window.location.hash.split("?")[1] : "";
+    const hashParams = new URLSearchParams(hashQuery);
+    hashParams.forEach((value, key) => {
+      if (!result.has(key)) result.set(key, value);
+    });
+    return result;
+  }
+
+  function readRawParam(name) {
+    const queries = [window.location.search.replace(/^\?/, "")];
+    if (window.location.hash.includes("?")) queries.push(window.location.hash.split("?")[1]);
+
+    for (const query of queries) {
+      for (const part of query.split("&")) {
+        if (!part) continue;
+        const equalIndex = part.indexOf("=");
+        const rawKey = equalIndex >= 0 ? part.slice(0, equalIndex) : part;
+        const rawValue = equalIndex >= 0 ? part.slice(equalIndex + 1) : "";
+        let decodedKey = "";
+        try {
+          decodedKey = decodeURIComponent(rawKey);
+        } catch (error) {
+          continue;
+        }
+        if (decodedKey !== name) continue;
+        try {
+          return decodeURIComponent(rawValue.replace(/\+/g, "%2B"));
+        } catch (error) {
+          return rawValue;
+        }
+      }
+    }
+    return "";
+  }
+
+  function normalizeLanguage(lang) {
+    const value = String(lang || "en").toLowerCase();
+    return supportedLanguages.includes(value) ? value : "en";
+  }
+
+  function t(key) {
+    return currentMessages[key] || fallbackMessages.en[key] || key;
+  }
+
+  function apiBaseURL() {
+    const override = window.HYAPP_API_BASE_URL || params.get("apiBase");
+    if (override) return String(override).replace(/\/+$/, "");
+    return API_BASE_URL.replace(/\/+$/, "");
+  }
+
+  function normalizeAuthorization(token) {
+    const value = String(token || "").trim();
+    if (!value) return "";
+    return /^bearer\s+/i.test(value) ? value : `Bearer ${value}`;
+  }
+
+  function authHeadersFromToken(token) {
+    return {
+      Authorization: normalizeAuthorization(token),
+      "req-lang": currentLang,
+      "req-client": "H5",
+      "req-version": "V2",
+      "req-zone": Intl.DateTimeFormat().resolvedOptions().timeZone || "Asia/Shanghai",
+      "req-app-intel": "version=1.0.0;build=1;model=H5;sysVersion=Web;channel=Web",
+      "req-sys-origin": "origin=ATYOU;originChild=ATYOU"
+    };
+  }
+
+  async function apiRequest(path, options = {}) {
+    const token = readRawParam("token");
+    if (!token) throw new Error(t("missing_token"));
+
+    const method = options.method || "GET";
+    const headers = authHeadersFromToken(token);
+    const request = {
+      method,
+      cache: "no-store",
+      headers
+    };
+
+    if (options.body) {
+      headers["Content-Type"] = "application/json";
+      request.body = JSON.stringify(options.body);
+    }
+
+    const response = await fetch(new URL(path, `${apiBaseURL()}/`).toString(), request);
+    const data = await response.json().catch(() => ({}));
+    if (!response.ok || data.status === false) {
+      const error = new Error(data.errorMsg || data.message || `Request failed: ${response.status}`);
+      error.response = data;
+      throw error;
+    }
+
+    return data.body ?? data.data ?? null;
+  }
+
+  async function loadMessages(lang) {
+    return fallbackMessages[normalizeLanguage(lang)] || fallbackMessages.en;
+  }
+
+  function renderMessages(messages) {
+    document.querySelectorAll("[data-i18n]").forEach((node) => {
+      const value = messages[node.dataset.i18n];
+      if (value) node.textContent = value;
+    });
+
+    document.querySelectorAll("[data-i18n-aria]").forEach((node) => {
+      const value = messages[node.dataset.i18nAria];
+      if (value) node.setAttribute("aria-label", value);
+    });
+
+    document.querySelectorAll("[data-i18n-placeholder]").forEach((node) => {
+      const value = messages[node.dataset.i18nPlaceholder];
+      if (value) node.setAttribute("placeholder", value);
+    });
+  }
+
+  function setLanguageMenuOpen(open) {
+    const languageButton = document.querySelector(".language-button");
+    const languageMenu = document.querySelector(".language-menu");
+    if (!languageButton || !languageMenu) return;
+
+    languageMenu.hidden = !open;
+    languageButton.setAttribute("aria-expanded", String(open));
+  }
+
+  function renderLanguageControls(messages) {
+    const languageButton = document.querySelector(".language-button");
+    if (languageButton) {
+      languageButton.textContent = languageLabels[currentLang];
+      languageButton.setAttribute("aria-label", messages.language_button_aria || "Change language");
+    }
+
+    document.querySelectorAll(".language-menu [data-lang]").forEach((button) => {
+      const isActive = button.dataset.lang === currentLang;
+      button.classList.toggle("is-active", isActive);
+      button.setAttribute("aria-pressed", String(isActive));
+    });
+  }
+
+  async function applyLanguage(lang) {
+    currentLang = normalizeLanguage(lang);
+    const messages = await loadMessages(currentLang);
+    currentMessages = messages;
+
+    document.documentElement.lang = currentLang;
+    document.documentElement.dir = currentLang === "ar" ? "rtl" : "ltr";
+    document.title = messages.document_title || "Join Agency";
+    renderMessages(messages);
+    renderLanguageControls(messages);
+    renderFoundAgency(foundAgency);
+    renderPendingRecord(pendingRecord);
+  }
+
+  function showMessage(message, type = "") {
+    const node = document.querySelector("#statusMessage");
+    if (!node) return;
+
+    node.textContent = message || "";
+    node.hidden = !message;
+    node.classList.toggle("is-error", type === "error");
+    node.classList.toggle("is-success", type === "success");
+  }
+
+  function pickProfile(body) {
+    return body?.teamProfile || body?.ownUserProfile || body?.userProfile || body || null;
+  }
+
+  function pickName(profile) {
+    return profile?.userNickname || profile?.name || profile?.teamName || "-";
+  }
+
+  function pickAccount(profile) {
+    return profile?.ownSpecialId?.account || profile?.account || profile?.id || "-";
+  }
+
+  function initials(name) {
+    const value = String(name || "A").trim();
+    return value ? value.slice(0, 1).toUpperCase() : "A";
+  }
+
+  function renderAvatar(profile, imageSelector, fallbackSelector) {
+    const image = document.querySelector(imageSelector);
+    const fallback = document.querySelector(fallbackSelector);
+    if (!image || !fallback) return;
+
+    const name = pickName(profile);
+    const avatar = profile?.userAvatar || profile?.avatar || "";
+    fallback.textContent = initials(name);
+    image.alt = name;
+
+    if (!avatar) {
+      image.hidden = true;
+      image.removeAttribute("src");
+      fallback.hidden = false;
+      return;
+    }
+
+    fallback.hidden = true;
+    image.hidden = false;
+    image.onerror = () => {
+      image.hidden = true;
+      image.removeAttribute("src");
+      fallback.hidden = false;
+    };
+    image.src = avatar;
+  }
+
+  function syncApplyAvailability() {
+    const button = document.querySelector("#applyButton");
+    if (button) button.hidden = Boolean(pendingRecord);
+  }
+
+  function renderFoundAgency(profile) {
+    const card = document.querySelector("#resultCard");
+    if (!card) return;
+
+    if (!profile) {
+      card.hidden = true;
+      syncApplyAvailability();
+      return;
+    }
+
+    card.hidden = false;
+    document.querySelector("#agencyName").textContent = pickName(profile);
+    document.querySelector("#agencyAccountText").textContent = `${t("uid_prefix")} ${pickAccount(profile)}`.trim();
+    renderAvatar(profile, "#agencyAvatar", "#agencyAvatarFallback");
+    syncApplyAvailability();
+  }
+
+  function renderPendingRecord(record) {
+    const card = document.querySelector("#pendingCard");
+    if (!card) return;
+
+    if (!record) {
+      card.hidden = true;
+      syncApplyAvailability();
+      return;
+    }
+
+    const profile = pickProfile(record);
+    card.hidden = false;
+    document.querySelector("#pendingName").textContent = pickName(profile);
+    document.querySelector("#pendingAccount").textContent = `${t("uid_prefix")} ${pickAccount(profile)}`.trim();
+    renderAvatar(profile, "#pendingAvatar", "#pendingAvatarFallback");
+    syncApplyAvailability();
+  }
+
+  function errorMessage(error, fallbackKey) {
+    return error?.response?.errorMsg || error?.response?.message || error?.message || t(fallbackKey);
+  }
+
+  async function searchAgency() {
+    const input = document.querySelector("#agencyAccount");
+    const button = document.querySelector("#searchButton");
+    const account = input?.value.trim() || "";
+
+    if (!account) {
+      showMessage(t("enter_agent_id"), "error");
+      return;
+    }
+
+    button.disabled = true;
+    button.textContent = t("searching");
+    showMessage("");
+
+    try {
+      const body = await apiRequest(`/team/search-account?account=${encodeURIComponent(account)}`);
+      const profile = body?.teamProfile || null;
+      if (!profile?.id) {
+        foundAgency = null;
+        renderFoundAgency(null);
+        showMessage(t("account_not_found"), "error");
+        return;
+      }
+
+      foundAgency = profile;
+      renderFoundAgency(foundAgency);
+      showMessage(t("found"), "success");
+    } catch (error) {
+      foundAgency = null;
+      renderFoundAgency(null);
+      showMessage(errorMessage(error, "network_error"), "error");
+    } finally {
+      button.disabled = false;
+      button.textContent = t("search");
+    }
+  }
+
+  async function fetchPendingRecord() {
+    try {
+      pendingRecord = await apiRequest("/team/wait-apply/profile");
+      renderPendingRecord(pendingRecord);
+    } catch (error) {
+      pendingRecord = null;
+      renderPendingRecord(null);
+      if (error.message === t("missing_token")) showMessage(error.message, "error");
+    }
+  }
+
+  async function applyToAgency() {
+    if (pendingRecord) return;
+    if (!foundAgency?.id) return;
+
+    const button = document.querySelector("#applyButton");
+    button.disabled = true;
+    button.textContent = t("applying");
+    showMessage("");
+
+    try {
+      await apiRequest("/team/user/apply", {
+        method: "POST",
+        body: {
+          teamId: foundAgency.id,
+          reason: "JOIN"
+        }
+      });
+      foundAgency = null;
+      renderFoundAgency(null);
+      showMessage(t("application_submitted"), "success");
+      await fetchPendingRecord();
+    } catch (error) {
+      showMessage(errorMessage(error, "application_failed"), "error");
+    } finally {
+      button.disabled = false;
+      button.textContent = t("apply");
+    }
+  }
+
+  async function cancelApplication() {
+    const id = pendingRecord?.messageId || pendingRecord?.id;
+    if (!id) return;
+
+    const button = document.querySelector("#cancelButton");
+    button.disabled = true;
+    button.textContent = t("cancelling");
+    showMessage("");
+
+    try {
+      await apiRequest("/team/user/join-apply-cancel", {
+        method: "POST",
+        body: { id }
+      });
+      pendingRecord = null;
+      renderPendingRecord(null);
+      showMessage(t("application_cancelled"), "success");
+    } catch (error) {
+      showMessage(errorMessage(error, "cancellation_failed"), "error");
+    } finally {
+      button.disabled = false;
+      button.textContent = t("cancel");
+    }
+  }
+
+  function buildPageURL(path) {
+    const url = new URL(path, window.location.href);
+    const nextParams = new URLSearchParams(params);
+    const token = readRawParam("token");
+    if (token) nextParams.set("token", token);
+    if (currentLang) nextParams.set("lang", currentLang);
+    url.search = nextParams.toString();
+    return url.toString();
+  }
+
+  document.querySelector(".language-button")?.addEventListener("click", (event) => {
+    event.stopPropagation();
+    const languageMenu = document.querySelector(".language-menu");
+    setLanguageMenuOpen(Boolean(languageMenu?.hidden));
+  });
+
+  document.querySelectorAll(".language-menu [data-lang]").forEach((button) => {
+    button.addEventListener("click", (event) => {
+      event.stopPropagation();
+      setLanguageMenuOpen(false);
+      applyLanguage(button.dataset.lang);
+    });
+  });
+
+  document.addEventListener("click", () => {
+    setLanguageMenuOpen(false);
+  });
+
+  document.querySelector(".back-button")?.addEventListener("click", () => {
+    if (window.history.length > 1) {
+      window.history.back();
+      return;
+    }
+    window.location.href = buildPageURL("../host-center/index.html");
+  });
+
+  document.querySelector("#searchForm")?.addEventListener("submit", (event) => {
+    event.preventDefault();
+    searchAgency();
+  });
+
+  document.querySelector("#applyButton")?.addEventListener("click", applyToAgency);
+  document.querySelector("#cancelButton")?.addEventListener("click", cancelApplication);
+
+  applyLanguage(currentLang).then(fetchPendingRecord);
+})();
diff --git a/h5/hyapp/join-agency/style.css b/h5/hyapp/join-agency/style.css
new file mode 100644
index 0000000..ecc43cc
--- /dev/null
+++ b/h5/hyapp/join-agency/style.css
@@ -0,0 +1,209 @@
+.join-agency-page {
+  min-height: 100vh;
+}
+
+.join-content {
+  gap: 12px;
+  padding-top: 14px;
+}
+
+.join-search-card,
+.agency-result-card,
+.pending-card {
+  padding: 18px 16px;
+}
+
+.field-label,
+.section-title {
+  display: block;
+  margin-bottom: 12px;
+  color: #24282e;
+  font-size: 16px;
+  font-weight: 900;
+  line-height: 1.2;
+}
+
+.search-form {
+  display: grid;
+  grid-template-columns: minmax(0, 1fr) auto;
+  gap: 10px;
+  align-items: center;
+}
+
+.search-form input {
+  width: 100%;
+  height: 44px;
+  min-width: 0;
+  border: 1px solid #eef0f2;
+  border-radius: 8px;
+  outline: none;
+  background: #f8fafa;
+  color: #25282e;
+  font: inherit;
+  font-size: 15px;
+  font-weight: 750;
+  padding: 0 12px;
+}
+
+.search-form input::placeholder {
+  color: #b3b5ba;
+}
+
+.search-button,
+.primary-action,
+.secondary-action {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  min-height: 44px;
+  border-radius: 8px;
+  font-size: 15px;
+  font-weight: 900;
+}
+
+.search-button {
+  min-width: 86px;
+  padding: 0 16px;
+  background: #31d9cb;
+  color: #fff;
+}
+
+.search-button:disabled,
+.primary-action:disabled,
+.secondary-action:disabled {
+  opacity: 0.58;
+}
+
+.status-message {
+  min-height: 38px;
+  border-radius: 8px;
+  padding: 10px 12px;
+  background: rgba(255, 255, 255, 0.96);
+  color: #8b8d92;
+  font-size: 13px;
+  font-weight: 800;
+  line-height: 1.3;
+  box-shadow: var(--shadow);
+}
+
+.status-message.is-error {
+  color: #d64f4f;
+}
+
+.status-message.is-success {
+  color: #0d988d;
+}
+
+.agency-profile-row {
+  display: flex;
+  align-items: center;
+  gap: 14px;
+  min-width: 0;
+}
+
+.agency-avatar {
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  width: 56px;
+  height: 56px;
+  flex: 0 0 56px;
+  overflow: hidden;
+  border-radius: 50%;
+  background: linear-gradient(145deg, #d7fff9, #45e7d8);
+  color: #0c5f58;
+  font-size: 21px;
+  font-weight: 950;
+}
+
+.agency-avatar img {
+  display: block;
+  width: 100%;
+  height: 100%;
+  object-fit: cover;
+}
+
+.agency-avatar img[hidden],
+.agency-avatar span[hidden] {
+  display: none;
+}
+
+.agency-copy {
+  min-width: 0;
+  flex: 1;
+}
+
+.agency-name {
+  overflow: hidden;
+  color: #25282e;
+  font-size: 18px;
+  font-weight: 900;
+  line-height: 1.2;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
+.agency-account {
+  margin-top: 6px;
+  overflow: hidden;
+  color: #8b8d92;
+  font-size: 13px;
+  font-weight: 800;
+  line-height: 1.2;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
+.primary-action,
+.secondary-action {
+  width: 100%;
+  margin-top: 16px;
+}
+
+.primary-action {
+  background: linear-gradient(135deg, #35dfd2 0%, #18bfb4 100%);
+  color: #fff;
+}
+
+.secondary-action {
+  border: 1px solid #e9edf0;
+  background: #fff;
+  color: #4b4e55;
+}
+
+.pending-head {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+}
+
+.pending-head .section-title {
+  margin-bottom: 12px;
+}
+
+.pending-status {
+  flex: 0 0 auto;
+  margin-bottom: 12px;
+  color: #f2a329;
+  font-size: 13px;
+  font-weight: 900;
+}
+
+html[dir="rtl"] .agency-copy {
+  text-align: right;
+}
+
+html[dir="rtl"] .search-form {
+  direction: rtl;
+}
+
+@media (max-width: 360px) {
+  .search-form {
+    grid-template-columns: 1fr;
+  }
+
+  .search-button {
+    width: 100%;
+  }
+}
diff --git a/h5/hyapp/withdraw-exchange/index.html b/h5/hyapp/withdraw-exchange/index.html
index e058921..99aaa65 100644
--- a/h5/hyapp/withdraw-exchange/index.html
+++ b/h5/hyapp/withdraw-exchange/index.html
@@ -47,9 +47,10 @@
         </section>
 
         <section class="mode-card">
-          <div class="mode-tabs" role="tablist" aria-label="Withdraw or exchange">
+          <div class="mode-tabs" role="tablist" aria-label="Withdraw, exchange, or transfer">
             <button class="mode-tab active" type="button" role="tab" aria-selected="true" data-mode="withdraw" data-i18n="withdraw">Withdraw</button>
             <button class="mode-tab" type="button" role="tab" aria-selected="false" data-mode="exchange" data-i18n="exchange">Exchange</button>
+            <button class="mode-tab" type="button" role="tab" aria-selected="false" data-mode="transfer" data-i18n="transfer">Transfer</button>
           </div>
 
           <div class="mode-panel active" data-panel="withdraw">
@@ -57,7 +58,7 @@
               <span data-i18n="withdraw_amount">Withdraw amount</span>
               <div class="field-control amount-control">
                 <span>$</span>
-                <input id="withdrawAmount" type="number" inputmode="decimal" min="0" step="0.01" placeholder="50" aria-label="Withdraw amount" data-i18n-aria="withdraw_amount" />
+                <input id="withdrawAmount" type="number" inputmode="decimal" min="0" step="0.01" aria-label="Withdraw amount" data-i18n-aria="withdraw_amount" />
               </div>
             </label>
             <div class="hint-row">
@@ -71,23 +72,40 @@
               <span data-i18n="exchange_amount">Exchange amount</span>
               <div class="field-control amount-control">
                 <span>$</span>
-                <input type="number" inputmode="decimal" min="0" step="0.01" value="120.00" aria-label="Exchange amount" data-i18n-aria="exchange_amount" />
+                <input id="exchangeAmount" type="number" inputmode="decimal" min="0" step="0.01" aria-label="Exchange amount" data-i18n-aria="exchange_amount" />
               </div>
             </label>
             <div class="exchange-preview">
-              <span data-i18n="you_receive">You receive</span>
-              <strong>$120.00</strong>
+              <span data-i18n="exchange_rate">Exchange rate</span>
+              <strong id="exchangeRateText">1$ = 80000 golds</strong>
             </div>
           </div>
+
+          <div class="mode-panel" data-panel="transfer">
+            <label class="field">
+              <span data-i18n="transfer_to">Transfer to</span>
+              <div class="transfer-search">
+                <input id="transferAccount" type="text" inputmode="numeric" autocomplete="off" aria-label="Transfer to" data-i18n-aria="transfer_to" />
+                <button class="search-payee-button" id="searchPayeeButton" type="button" data-i18n="search">Search</button>
+              </div>
+            </label>
+            <div class="payee-result" id="payeeResult" hidden></div>
+            <label class="field transfer-amount-field">
+              <span data-i18n="transfer_amount">Transfer amount</span>
+              <div class="field-control amount-control">
+                <span>$</span>
+                <input id="transferAmount" type="number" inputmode="decimal" min="0" step="0.01" aria-label="Transfer amount" data-i18n-aria="transfer_amount" />
+              </div>
+            </label>
+          </div>
         </section>
 
-        <section class="card-section">
+        <section class="card-section payment-section" data-payment-section>
           <div class="section-head">
             <div>
-              <div class="section-title" data-i18n="payment_method">Payment method</div>
-              <div class="section-subtitle" data-i18n="payment_method_subtitle">The currently used bank card will receive this withdrawal.</div>
+              <div class="section-title" data-i18n="payment_method">USDT TRC20 address</div>
+              <div class="section-subtitle" data-i18n="payment_method_subtitle">Withdrawals are sent to your TRC20 USDT address.</div>
             </div>
-            <button class="bind-address-button" type="button" hidden data-i18n="manage">Manage</button>
           </div>
 
           <div class="empty-address-state">
@@ -100,19 +118,26 @@
               </svg>
             </div>
             <div>
-              <div class="empty-title" data-i18n="no_bank_card">No bank card in use</div>
-              <div class="empty-copy" data-i18n="no_bank_card_copy">Set a bank card as in use before withdrawing.</div>
+              <div class="empty-title" data-i18n="no_payment_info">No USDT address</div>
+              <div class="empty-copy" data-i18n="no_payment_info_copy">Fill in a TRC20 USDT address before withdrawing.</div>
             </div>
           </div>
 
+          <div class="address-form" id="addressForm" hidden>
+            <label class="field">
+              <span data-i18n="trc20_address">TRC20 address</span>
+              <input id="trc20Address" type="text" autocomplete="off" />
+            </label>
+            <button class="primary-button" id="saveAddressButton" type="button" data-i18n="save_address">Save address</button>
+          </div>
+
           <div class="bound-address-card" hidden>
-            <div class="network-badge" aria-hidden="true">BANK</div>
+            <div class="network-badge" aria-hidden="true">TRC20</div>
             <div class="bound-copy">
-              <div class="bound-network">Bank card</div>
+              <div class="bound-network">USDT TRC20</div>
               <div class="bound-address">-</div>
-              <div class="bound-meta">-</div>
+              <div class="bound-meta" data-i18n="usdt_only">USDT only</div>
             </div>
-            <button class="change-address" type="button" hidden data-i18n="change">Change</button>
           </div>
         </section>
 
diff --git a/h5/hyapp/withdraw-exchange/script.js b/h5/hyapp/withdraw-exchange/script.js
index 80cbc5b..df5549d 100644
--- a/h5/hyapp/withdraw-exchange/script.js
+++ b/h5/hyapp/withdraw-exchange/script.js
@@ -1,5 +1,6 @@
 (function () {
   const API_BASE_URL = "https://jvapi.haiyihy.com";
+  const EXCHANGE_RATE = 80000;
   const supportedLanguages = ["en", "ar", "tr", "id"];
   const languageLabels = {
     en: "EN",
@@ -17,32 +18,47 @@
       available_income: "Available Income",
       withdraw: "Withdraw",
       exchange: "Exchange",
+      transfer: "Transfer",
       withdraw_amount: "Withdraw amount",
       exchange_amount: "Exchange amount",
+      transfer_amount: "Transfer amount",
+      transfer_to: "Transfer to",
+      search: "Search",
+      searching: "Searching...",
       minimum: "Minimum 50 USD",
       all: "All",
-      you_receive: "You receive",
-      payment_method: "Payment method",
-      payment_method_subtitle: "The currently used bank card will receive this withdrawal.",
-      manage: "Manage",
-      no_bank_card: "No bank card in use",
-      no_bank_card_copy: "Set a bank card as in use before withdrawing.",
-      change: "Change",
+      exchange_rate: "Exchange rate",
+      payment_method: "USDT TRC20 address",
+      payment_method_subtitle: "Withdrawals are sent to your TRC20 USDT address.",
+      no_payment_info: "No USDT address",
+      no_payment_info_copy: "Fill in a TRC20 USDT address before withdrawing.",
+      trc20_address: "TRC20 address",
+      save_address: "Save address",
+      saving: "Saving...",
+      usdt_only: "USDT only",
       withdraw_now: "Withdraw now",
       exchange_now: "Exchange now",
+      transfer_now: "Transfer now",
       submitting: "Submitting...",
       payee: "Payee",
-      card_number: "Card",
+      uid_prefix: "UID:",
       missing_token: "Missing token",
       load_balance_failed: "Failed to load balance",
-      load_bank_card_failed: "Failed to load bank card",
-      missing_bank_card: "No bank card in use",
+      load_payment_failed: "Failed to load payment info",
+      missing_payment_info: "Please add a TRC20 USDT address",
+      invalid_address: "Please enter a valid TRC20 USDT address",
       invalid_amount: "Please enter a valid amount",
       amount_too_low: "Minimum withdrawal amount is 50 USD",
       amount_exceeds_balance: "Amount exceeds available income",
+      payee_not_found: "User not found",
+      missing_payee: "Please search and select a user",
+      address_saved: "Address saved",
       withdraw_success: "Withdrawal submitted",
       withdraw_failed: "Withdrawal failed",
-      exchange_unavailable: "Exchange is not available on this page"
+      exchange_success: "Exchange success",
+      exchange_failed: "Exchange failed",
+      transfer_success: "Transfer success",
+      transfer_failed: "Transfer failed"
     },
     ar: {
       page_label: "السحب والتبديل",
@@ -52,32 +68,47 @@
       available_income: "الدخل المتاح",
       withdraw: "سحب",
       exchange: "تبديل",
+      transfer: "تحويل",
       withdraw_amount: "مبلغ السحب",
       exchange_amount: "مبلغ التبديل",
+      transfer_amount: "مبلغ التحويل",
+      transfer_to: "تحويل إلى",
+      search: "بحث",
+      searching: "جار البحث...",
       minimum: "الحد الأدنى 50 USD",
       all: "الكل",
-      you_receive: "ستحصل على",
-      payment_method: "طريقة الدفع",
-      payment_method_subtitle: "سيتم إرسال السحب إلى البطاقة المستخدمة حاليًا.",
-      manage: "إدارة",
-      no_bank_card: "لا توجد بطاقة مستخدمة",
-      no_bank_card_copy: "عيّن بطاقة بنكية مستخدمة قبل السحب.",
-      change: "تغيير",
+      exchange_rate: "سعر التبديل",
+      payment_method: "عنوان USDT TRC20",
+      payment_method_subtitle: "يتم إرسال السحب إلى عنوان USDT TRC20.",
+      no_payment_info: "لا يوجد عنوان USDT",
+      no_payment_info_copy: "أدخل عنوان USDT TRC20 قبل السحب.",
+      trc20_address: "عنوان TRC20",
+      save_address: "حفظ العنوان",
+      saving: "جار الحفظ...",
+      usdt_only: "USDT فقط",
       withdraw_now: "اسحب الآن",
       exchange_now: "بدل الآن",
+      transfer_now: "حوّل الآن",
       submitting: "جار الإرسال...",
       payee: "المستفيد",
-      card_number: "البطاقة",
+      uid_prefix: "UID:",
       missing_token: "رمز الدخول مفقود",
       load_balance_failed: "فشل تحميل الرصيد",
-      load_bank_card_failed: "فشل تحميل البطاقة",
-      missing_bank_card: "لا توجد بطاقة مستخدمة",
+      load_payment_failed: "فشل تحميل معلومات الدفع",
+      missing_payment_info: "يرجى إضافة عنوان USDT TRC20",
+      invalid_address: "يرجى إدخال عنوان USDT TRC20 صالح",
       invalid_amount: "يرجى إدخال مبلغ صالح",
       amount_too_low: "الحد الأدنى للسحب هو 50 USD",
       amount_exceeds_balance: "المبلغ يتجاوز الدخل المتاح",
+      payee_not_found: "لم يتم العثور على المستخدم",
+      missing_payee: "يرجى البحث واختيار مستخدم",
+      address_saved: "تم حفظ العنوان",
       withdraw_success: "تم إرسال طلب السحب",
       withdraw_failed: "فشل السحب",
-      exchange_unavailable: "التبديل غير متاح في هذه الصفحة"
+      exchange_success: "تم التبديل",
+      exchange_failed: "فشل التبديل",
+      transfer_success: "تم التحويل",
+      transfer_failed: "فشل التحويل"
     },
     tr: {
       page_label: "Çekme ve değişim",
@@ -87,32 +118,47 @@
       available_income: "Kullanılabilir Gelir",
       withdraw: "Withdraw",
       exchange: "Exchange",
+      transfer: "Transfer",
       withdraw_amount: "Withdraw amount",
       exchange_amount: "Exchange amount",
+      transfer_amount: "Transfer amount",
+      transfer_to: "Transfer to",
+      search: "Search",
+      searching: "Searching...",
       minimum: "Minimum 50 USD",
       all: "All",
-      you_receive: "You receive",
-      payment_method: "Payment method",
-      payment_method_subtitle: "The currently used bank card will receive this withdrawal.",
-      manage: "Manage",
-      no_bank_card: "No bank card in use",
-      no_bank_card_copy: "Set a bank card as in use before withdrawing.",
-      change: "Change",
+      exchange_rate: "Exchange rate",
+      payment_method: "USDT TRC20 address",
+      payment_method_subtitle: "Withdrawals are sent to your TRC20 USDT address.",
+      no_payment_info: "No USDT address",
+      no_payment_info_copy: "Fill in a TRC20 USDT address before withdrawing.",
+      trc20_address: "TRC20 address",
+      save_address: "Save address",
+      saving: "Saving...",
+      usdt_only: "USDT only",
       withdraw_now: "Withdraw now",
       exchange_now: "Exchange now",
+      transfer_now: "Transfer now",
       submitting: "Submitting...",
       payee: "Payee",
-      card_number: "Card",
+      uid_prefix: "UID:",
       missing_token: "Missing token",
       load_balance_failed: "Failed to load balance",
-      load_bank_card_failed: "Failed to load bank card",
-      missing_bank_card: "No bank card in use",
+      load_payment_failed: "Failed to load payment info",
+      missing_payment_info: "Please add a TRC20 USDT address",
+      invalid_address: "Please enter a valid TRC20 USDT address",
       invalid_amount: "Please enter a valid amount",
       amount_too_low: "Minimum withdrawal amount is 50 USD",
       amount_exceeds_balance: "Amount exceeds available income",
+      payee_not_found: "User not found",
+      missing_payee: "Please search and select a user",
+      address_saved: "Address saved",
       withdraw_success: "Withdrawal submitted",
       withdraw_failed: "Withdrawal failed",
-      exchange_unavailable: "Exchange is not available on this page"
+      exchange_success: "Exchange success",
+      exchange_failed: "Exchange failed",
+      transfer_success: "Transfer success",
+      transfer_failed: "Transfer failed"
     },
     id: {
       page_label: "Tarik dan tukar",
@@ -122,49 +168,80 @@
       available_income: "Penghasilan Tersedia",
       withdraw: "Tarik",
       exchange: "Tukar",
+      transfer: "Transfer",
       withdraw_amount: "Jumlah penarikan",
       exchange_amount: "Jumlah penukaran",
+      transfer_amount: "Jumlah transfer",
+      transfer_to: "Transfer ke",
+      search: "Cari",
+      searching: "Mencari...",
       minimum: "Minimum 50 USD",
       all: "Semua",
-      you_receive: "Anda menerima",
-      payment_method: "Metode pembayaran",
-      payment_method_subtitle: "Kartu bank yang sedang digunakan akan menerima penarikan ini.",
-      manage: "Kelola",
-      no_bank_card: "Tidak ada kartu aktif",
-      no_bank_card_copy: "Atur kartu bank sebagai aktif sebelum menarik.",
-      change: "Ubah",
+      exchange_rate: "Kurs penukaran",
+      payment_method: "Alamat USDT TRC20",
+      payment_method_subtitle: "Penarikan dikirim ke alamat USDT TRC20 Anda.",
+      no_payment_info: "Tidak ada alamat USDT",
+      no_payment_info_copy: "Isi alamat USDT TRC20 sebelum menarik.",
+      trc20_address: "Alamat TRC20",
+      save_address: "Simpan alamat",
+      saving: "Menyimpan...",
+      usdt_only: "Hanya USDT",
       withdraw_now: "Tarik sekarang",
       exchange_now: "Tukar sekarang",
+      transfer_now: "Transfer sekarang",
       submitting: "Mengirim...",
       payee: "Penerima",
-      card_number: "Kartu",
+      uid_prefix: "UID:",
       missing_token: "Token tidak ditemukan",
       load_balance_failed: "Gagal memuat saldo",
-      load_bank_card_failed: "Gagal memuat kartu bank",
-      missing_bank_card: "Tidak ada kartu aktif",
+      load_payment_failed: "Gagal memuat informasi pembayaran",
+      missing_payment_info: "Tambahkan alamat USDT TRC20",
+      invalid_address: "Masukkan alamat USDT TRC20 yang valid",
       invalid_amount: "Masukkan jumlah yang valid",
       amount_too_low: "Minimum penarikan adalah 50 USD",
       amount_exceeds_balance: "Jumlah melebihi penghasilan tersedia",
+      payee_not_found: "Pengguna tidak ditemukan",
+      missing_payee: "Cari dan pilih pengguna",
+      address_saved: "Alamat disimpan",
       withdraw_success: "Penarikan terkirim",
       withdraw_failed: "Penarikan gagal",
-      exchange_unavailable: "Penukaran tidak tersedia di halaman ini"
+      exchange_success: "Penukaran berhasil",
+      exchange_failed: "Penukaran gagal",
+      transfer_success: "Transfer berhasil",
+      transfer_failed: "Transfer gagal"
     }
   };
 
   const params = readURLParams();
   let currentLang = normalizeLanguage(params.get("lang"));
-  let currentMode = "withdraw";
+  let currentMode = normalizeMode(params.get("mode")) || "withdraw";
   let currentMessages = translations[currentLang] || translations.en;
   let availableBalance = 0;
-  let selectedBankCard = null;
+  let selectedPaymentInfo = null;
+  let selectedPayee = null;
+  let currentProfile = null;
   let isSubmitting = false;
+  let isSavingAddress = false;
+  let isSearchingPayee = false;
 
-  const amountInput = document.querySelector("#withdrawAmount");
+  const inputs = {
+    withdraw: document.querySelector("#withdrawAmount"),
+    exchange: document.querySelector("#exchangeAmount"),
+    transfer: document.querySelector("#transferAmount")
+  };
   const balanceAmount = document.querySelector("#balanceAmount");
   const emptyState = document.querySelector(".empty-address-state");
+  const addressForm = document.querySelector("#addressForm");
+  const trc20AddressInput = document.querySelector("#trc20Address");
+  const saveAddressButton = document.querySelector("#saveAddressButton");
   const boundCard = document.querySelector(".bound-address-card");
+  const paymentSection = document.querySelector("[data-payment-section]");
   const submitButton = document.querySelector(".submit-button");
   const toast = document.querySelector(".toast");
+  const payeeResult = document.querySelector("#payeeResult");
+  const transferAccountInput = document.querySelector("#transferAccount");
+  const searchPayeeButton = document.querySelector("#searchPayeeButton");
+  const exchangeRateText = document.querySelector("#exchangeRateText");
 
   function readURLParams() {
     const result = new URLSearchParams(window.location.search);
@@ -208,6 +285,10 @@
     return supportedLanguages.includes(value) ? value : "en";
   }
 
+  function normalizeMode(mode) {
+    return ["withdraw", "exchange", "transfer"].includes(mode) ? mode : "";
+  }
+
   function apiBaseURL() {
     const override = window.HYAPP_API_BASE_URL || params.get("apiBase");
     if (override) return String(override).replace(/\/+$/, "");
@@ -236,7 +317,7 @@
 
   async function requestJSON(path, options = {}) {
     const token = readRawParam("token");
-    if (!token) throw new Error(currentMessages.missing_token || translations.en.missing_token);
+    if (!token) throw new Error(message("missing_token", "Missing token"));
 
     const response = await fetch(`${apiBaseURL()}${path}`, {
       method: options.method || "GET",
@@ -246,7 +327,9 @@
     });
     const data = await response.json().catch(() => ({}));
     if (!response.ok || data.status === false) {
-      throw new Error(data.errorMsg || data.message || `Request failed: ${response.status}`);
+      const error = new Error(data.errorMsg || data.message || `Request failed: ${response.status}`);
+      error.response = data;
+      throw error;
     }
     return data;
   }
@@ -265,15 +348,26 @@
     return Number.isFinite(number) ? number : 0;
   }
 
-  function maskCardNumber(value) {
-    const text = String(value || "").trim();
-    if (!text) return "-";
-    if (text.length <= 8) return text;
-    return `${text.slice(0, 4)} **** ${text.slice(-4)}`;
+  function activeInput() {
+    return inputs[currentMode] || null;
   }
 
   function activeAmount() {
-    return moneyNumber(amountInput?.value);
+    return moneyNumber(activeInput()?.value);
+  }
+
+  function formatExchangeRate() {
+    return `1$ = ${EXCHANGE_RATE} golds`;
+  }
+
+  function isValidTrc20Address(value) {
+    return /^T[1-9A-HJ-NP-Za-km-z]{33}$/.test(String(value || "").trim());
+  }
+
+  function maskAddress(value) {
+    const text = String(value || "").trim();
+    if (text.length <= 12) return text || "-";
+    return `${text.slice(0, 6)}...${text.slice(-6)}`;
   }
 
   function applyLanguage(lang) {
@@ -301,19 +395,23 @@
       button.classList.toggle("is-active", isActive);
       button.setAttribute("aria-pressed", String(isActive));
     });
+    if (exchangeRateText) exchangeRateText.textContent = formatExchangeRate();
+    renderPayee();
     updateSubmitState();
   }
 
   function setMode(mode) {
-    currentMode = mode;
+    const nextMode = normalizeMode(mode) || "withdraw";
+    currentMode = nextMode;
     document.querySelectorAll(".mode-tab").forEach((tab) => {
-      const active = tab.dataset.mode === mode;
+      const active = tab.dataset.mode === nextMode;
       tab.classList.toggle("active", active);
       tab.setAttribute("aria-selected", String(active));
     });
     document.querySelectorAll(".mode-panel").forEach((panel) => {
-      panel.classList.toggle("active", panel.dataset.panel === mode);
+      panel.classList.toggle("active", panel.dataset.panel === nextMode);
     });
+    if (paymentSection) paymentSection.hidden = nextMode !== "withdraw";
     updateSubmitState();
   }
 
@@ -325,13 +423,24 @@
       return;
     }
 
-    submitButton.textContent = currentMode === "exchange" ? message("exchange_now", "Exchange now") : message("withdraw_now", "Withdraw now");
+    const submitLabels = {
+      withdraw: message("withdraw_now", "Withdraw now"),
+      exchange: message("exchange_now", "Exchange now"),
+      transfer: message("transfer_now", "Transfer now")
+    };
+    submitButton.textContent = submitLabels[currentMode];
+
     const amount = activeAmount();
-    submitButton.disabled = currentMode !== "withdraw" ||
-      !selectedBankCard?.id ||
-      !amount ||
-      amount < 50 ||
-      amount > availableBalance;
+    const exceedsBalance = amount > availableBalance;
+    const missingWithdrawInfo = currentMode === "withdraw" && !selectedPaymentInfo?.id;
+    const missingPayee = currentMode === "transfer" && !selectedPayee?.id;
+
+    submitButton.disabled = !amount ||
+      amount <= 0 ||
+      exceedsBalance ||
+      missingWithdrawInfo ||
+      missingPayee ||
+      (currentMode === "withdraw" && amount < 50);
   }
 
   function showToast(keyOrText, fallback) {
@@ -347,15 +456,18 @@
   function renderBalance(value) {
     availableBalance = moneyNumber(value);
     if (balanceAmount) balanceAmount.textContent = formatMoney(availableBalance);
-    if (amountInput) amountInput.max = formatMoney(availableBalance);
+    Object.values(inputs).forEach((input) => {
+      if (input) input.max = formatMoney(availableBalance);
+    });
     updateSubmitState();
   }
 
-  function renderBankCard(card) {
-    selectedBankCard = card || null;
+  function renderPaymentInfo(paymentInfo) {
+    selectedPaymentInfo = paymentInfo || null;
 
-    if (!selectedBankCard) {
+    if (!selectedPaymentInfo) {
       if (emptyState) emptyState.hidden = false;
+      if (addressForm) addressForm.hidden = false;
       if (boundCard) boundCard.hidden = true;
       updateSubmitState();
       return;
@@ -365,16 +477,51 @@
     const network = boundCard?.querySelector(".bound-network");
     const address = boundCard?.querySelector(".bound-address");
     const meta = boundCard?.querySelector(".bound-meta");
-    if (badge) badge.textContent = selectedBankCard.cardType || "BANK";
-    if (network) network.textContent = selectedBankCard.cardType || "Bank card";
-    if (address) address.textContent = `${message("card_number", "Card")}: ${maskCardNumber(selectedBankCard.cardNo)}`;
-    if (meta) meta.textContent = `${message("payee", "Payee")}: ${selectedBankCard.payee || "-"}`;
+    if (badge) badge.textContent = "TRC20";
+    if (network) network.textContent = "USDT TRC20";
+    if (address) address.textContent = maskAddress(selectedPaymentInfo.cardNo);
+    if (meta) meta.textContent = message("usdt_only", "USDT only");
 
     if (emptyState) emptyState.hidden = true;
+    if (addressForm) addressForm.hidden = true;
     if (boundCard) boundCard.hidden = false;
     updateSubmitState();
   }
 
+  function renderPayee() {
+    if (!payeeResult) return;
+
+    if (!selectedPayee) {
+      payeeResult.hidden = true;
+      payeeResult.innerHTML = "";
+      updateSubmitState();
+      return;
+    }
+
+    const name = selectedPayee.userNickname || selectedPayee.name || "-";
+    const account = selectedPayee.ownSpecialId?.account || selectedPayee.account || selectedPayee.id || "-";
+    const avatar = selectedPayee.userAvatar || selectedPayee.avatar || "";
+    payeeResult.hidden = false;
+    payeeResult.innerHTML = `
+      <div class="payee-avatar">${avatar ? `<img src="${escapeHTML(avatar)}" alt="">` : escapeHTML(name.slice(0, 1) || "U")}</div>
+      <div class="payee-copy">
+        <div class="payee-name">${escapeHTML(name)}</div>
+        <div class="payee-id">${escapeHTML(message("uid_prefix", "UID:"))} ${escapeHTML(account)}</div>
+      </div>
+    `;
+    updateSubmitState();
+  }
+
+  function escapeHTML(value) {
+    return String(value || "").replace(/[&<>"']/g, (char) => ({
+      "&": "&amp;",
+      "<": "&lt;",
+      ">": "&gt;",
+      '"': "&quot;",
+      "'": "&#39;"
+    })[char]);
+  }
+
   async function fetchBalance() {
     try {
       const data = await requestJSON("/wallet/bank/balance");
@@ -387,66 +534,215 @@
     }
   }
 
-  async function fetchBankCards() {
+  async function fetchUserProfile() {
     try {
-      const data = await requestJSON("/wallet/bank-card/list");
-      const cards = Array.isArray(data.body) ? data.body : Array.isArray(data.data) ? data.data : [];
-      renderBankCard(cards.find((item) => item.use));
+      const data = await requestJSON("/team/member/profile");
+      currentProfile = data.body ?? data.data ?? null;
     } catch (error) {
-      console.error("Failed to load bank card:", error);
-      renderBankCard(null);
-      showToast("load_bank_card_failed", error.message);
+      console.error("Failed to load user profile:", error);
+      currentProfile = null;
     }
   }
 
-  function normalizeAmountInput() {
-    if (!amountInput) return;
-    const raw = String(amountInput.value || "").replace(/[^\d.]/g, "");
+  async function fetchPaymentInfo() {
+    try {
+      const data = await requestJSON("/wallet/bank-card/list");
+      const cards = Array.isArray(data.body) ? data.body : Array.isArray(data.data) ? data.data : [];
+      const usdtCards = cards.filter((item) => item.cardType === "USDT");
+      renderPaymentInfo(usdtCards.find((item) => item.use) || usdtCards[0] || null);
+    } catch (error) {
+      console.error("Failed to load payment info:", error);
+      renderPaymentInfo(null);
+      showToast("load_payment_failed", error.message);
+    }
+  }
+
+  function normalizeAmountInput(event) {
+    const input = event?.target || activeInput();
+    if (!input) return;
+    const raw = String(input.value || "").replace(/[^\d.]/g, "");
     const parts = raw.split(".");
     let nextValue = parts.length > 2 ? `${parts[0]}.${parts.slice(1).join("")}` : raw;
     const amount = Number(nextValue);
     if (Number.isFinite(amount) && amount > availableBalance) nextValue = formatMoney(availableBalance);
-    amountInput.value = nextValue;
+    input.value = nextValue;
     updateSubmitState();
   }
 
-  function validateWithdraw() {
+  function validateAmount(requireMinimum) {
     const amount = activeAmount();
-    if (!selectedBankCard?.id) return "missing_bank_card";
     if (!amount || amount <= 0) return "invalid_amount";
-    if (amount < 50) return "amount_too_low";
+    if (requireMinimum && amount < 50) return "amount_too_low";
     if (amount > availableBalance) return "amount_exceeds_balance";
     return "";
   }
 
-  async function submitWithdraw() {
-    if (currentMode !== "withdraw") {
-      showToast("exchange_unavailable");
+  async function saveAddress() {
+    const address = String(trc20AddressInput?.value || "").trim();
+    if (!isValidTrc20Address(address)) {
+      showToast("invalid_address");
+      return;
+    }
+    if (!currentProfile) await fetchUserProfile();
+
+    isSavingAddress = true;
+    if (saveAddressButton) {
+      saveAddressButton.disabled = true;
+      saveAddressButton.textContent = message("saving", "Saving...");
+    }
+
+    try {
+      const data = await requestJSON("/wallet/bank-card/add", {
+        method: "POST",
+        body: {
+          userId: currentProfile?.id || currentProfile?.userId || "",
+          cardType: "USDT",
+          cardName: "USDT",
+          cardNo: address,
+          payee: "USDT-TRC20"
+        }
+      });
+      const created = data.body || data.data || null;
+      if (created?.id) {
+        renderPaymentInfo({ ...created, cardType: "USDT", cardNo: address });
+        await requestJSON("/wallet/bank-card/use", {
+          method: "POST",
+          body: { id: created.id }
+        }).catch((error) => console.warn("Failed to set USDT address in use:", error));
+      }
+      await fetchPaymentInfo();
+      showToast("address_saved");
+    } catch (error) {
+      console.error("Failed to save TRC20 address:", error);
+      showToast(error.message || message("load_payment_failed", "Failed to load payment info"));
+    } finally {
+      isSavingAddress = false;
+      if (saveAddressButton) {
+        saveAddressButton.disabled = false;
+        saveAddressButton.textContent = message("save_address", "Save address");
+      }
+    }
+  }
+
+  async function searchPayee() {
+    const account = String(transferAccountInput?.value || "").trim();
+    if (!account) {
+      showToast("missing_payee");
       return;
     }
 
+    selectedPayee = null;
+    renderPayee();
+    isSearchingPayee = true;
+    if (searchPayeeButton) {
+      searchPayeeButton.disabled = true;
+      searchPayeeButton.textContent = message("searching", "Searching...");
+    }
+
+    try {
+      const path = `/wallet/bank/search/user-profile?account=${encodeURIComponent(account)}&type=AGENT&searchType=TRANSFER`;
+      const data = await requestJSON(path);
+      const body = data.body ?? data.data ?? null;
+      if (!body?.id) {
+        showToast("payee_not_found");
+        return;
+      }
+      selectedPayee = body;
+      renderPayee();
+    } catch (error) {
+      console.error("Failed to search payee:", error);
+      showToast(error.message || message("payee_not_found", "User not found"));
+    } finally {
+      isSearchingPayee = false;
+      if (searchPayeeButton) {
+        searchPayeeButton.disabled = false;
+        searchPayeeButton.textContent = message("search", "Search");
+      }
+    }
+  }
+
+  function validateWithdraw() {
+    if (!selectedPaymentInfo?.id) return "missing_payment_info";
+    return validateAmount(true);
+  }
+
+  function validateTransfer() {
+    if (!selectedPayee?.id) return "missing_payee";
+    return validateAmount(false);
+  }
+
+  async function submitWithdraw() {
     const errorKey = validateWithdraw();
     if (errorKey) {
       showToast(errorKey);
       return;
     }
 
+    await requestJSON("/wallet/bank/withdraw", {
+      method: "POST",
+      body: {
+        amount: activeAmount(),
+        acceptBankCardId: selectedPaymentInfo.id,
+        salaryType: "HOST_SALARY"
+      }
+    });
+    showToast("withdraw_success");
+  }
+
+  async function submitExchange() {
+    const errorKey = validateAmount(false);
+    if (errorKey) {
+      showToast(errorKey);
+      return;
+    }
+
+    await requestJSON("/wallet/bank/exchange/gold", {
+      method: "POST",
+      body: {
+        amount: activeAmount()
+      }
+    });
+    showToast("exchange_success");
+  }
+
+  async function submitTransfer() {
+    const errorKey = validateTransfer();
+    if (errorKey) {
+      showToast(errorKey);
+      return;
+    }
+
+    await requestJSON("/wallet/bank/transferGold", {
+      method: "POST",
+      body: {
+        amount: activeAmount(),
+        acceptUserId: selectedPayee.id,
+        acceptMethod: "BANK_TRANSFER"
+      }
+    });
+    showToast("transfer_success");
+  }
+
+  async function submitCurrentMode() {
+    if (isSubmitting) return;
+
     isSubmitting = true;
     updateSubmitState();
     try {
-      await requestJSON("/wallet/bank/withdraw", {
-        method: "POST",
-        body: {
-          amount: activeAmount(),
-          acceptBankCardId: selectedBankCard.id,
-          salaryType: "HOST_SALARY"
-        }
-      });
-      showToast("withdraw_success");
+      if (currentMode === "withdraw") await submitWithdraw();
+      if (currentMode === "exchange") await submitExchange();
+      if (currentMode === "transfer") await submitTransfer();
+      const input = activeInput();
+      if (input) input.value = "";
       await fetchBalance();
     } catch (error) {
-      console.error("Failed to submit withdrawal:", error);
-      showToast(error.message || message("withdraw_failed", "Withdrawal failed"));
+      console.error(`Failed to submit ${currentMode}:`, error);
+      const fallback = {
+        withdraw: "withdraw_failed",
+        exchange: "exchange_failed",
+        transfer: "transfer_failed"
+      }[currentMode];
+      showToast(error.message || message(fallback, "Submit failed"));
     } finally {
       isSubmitting = false;
       updateSubmitState();
@@ -500,16 +796,26 @@
   });
 
   document.querySelector(".text-action")?.addEventListener("click", () => {
-    if (amountInput) amountInput.value = formatMoney(availableBalance);
+    if (inputs.withdraw) inputs.withdraw.value = formatMoney(availableBalance);
     updateSubmitState();
   });
 
-  amountInput?.addEventListener("input", normalizeAmountInput);
-  submitButton?.addEventListener("click", submitWithdraw);
+  Object.values(inputs).forEach((input) => input?.addEventListener("input", normalizeAmountInput));
+  transferAccountInput?.addEventListener("input", () => {
+    selectedPayee = null;
+    renderPayee();
+  });
+  transferAccountInput?.addEventListener("keydown", (event) => {
+    if (event.key === "Enter") searchPayee();
+  });
+  searchPayeeButton?.addEventListener("click", searchPayee);
+  saveAddressButton?.addEventListener("click", saveAddress);
+  submitButton?.addEventListener("click", submitCurrentMode);
 
   syncBackFallback();
   applyLanguage(currentLang);
-  setMode("withdraw");
+  setMode(currentMode);
+  fetchUserProfile();
   fetchBalance();
-  fetchBankCards();
+  fetchPaymentInfo();
 })();
diff --git a/h5/hyapp/withdraw-exchange/style.css b/h5/hyapp/withdraw-exchange/style.css
index 8c3a3d7..9bd89a9 100644
--- a/h5/hyapp/withdraw-exchange/style.css
+++ b/h5/hyapp/withdraw-exchange/style.css
@@ -338,7 +338,7 @@ select {
 
 .mode-tabs {
   display: grid;
-  grid-template-columns: 1fr 1fr;
+  grid-template-columns: repeat(3, 1fr);
   gap: 4px;
   padding: 4px;
   border-radius: 8px;
@@ -349,7 +349,7 @@ select {
   min-height: 40px;
   border-radius: 7px;
   color: #777a80;
-  font-size: 15px;
+  font-size: 14px;
   font-weight: 900;
 }
 
@@ -435,6 +435,96 @@ select {
   color: #24282e;
 }
 
+.transfer-search {
+  display: grid;
+  grid-template-columns: minmax(0, 1fr) auto;
+  gap: 10px;
+  align-items: center;
+}
+
+.transfer-search input {
+  min-height: 48px;
+  padding: 0 14px;
+  border-radius: 8px;
+  background: #f4f6f6;
+}
+
+.search-payee-button {
+  min-width: 82px;
+  min-height: 48px;
+  padding: 0 14px;
+  border-radius: 8px;
+  background: var(--mint-dark);
+  color: #fff;
+  font-size: 14px;
+  font-weight: 950;
+}
+
+.search-payee-button:disabled {
+  opacity: 0.58;
+}
+
+.payee-result {
+  display: flex;
+  align-items: center;
+  gap: 12px;
+  min-height: 68px;
+  margin-top: 12px;
+  padding: 12px;
+  border-radius: 8px;
+  background: #f9fbfb;
+  border: 1px solid #edf0f0;
+}
+
+.payee-avatar {
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  width: 44px;
+  height: 44px;
+  flex: 0 0 44px;
+  overflow: hidden;
+  border-radius: 50%;
+  background: #ddfbf8;
+  color: #0d8077;
+  font-weight: 950;
+}
+
+.payee-avatar img {
+  display: block;
+  width: 100%;
+  height: 100%;
+  object-fit: cover;
+}
+
+.payee-copy {
+  min-width: 0;
+  flex: 1;
+}
+
+.payee-name {
+  overflow: hidden;
+  color: #25282e;
+  font-size: 15px;
+  font-weight: 900;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
+.payee-id {
+  margin-top: 4px;
+  overflow: hidden;
+  color: var(--muted);
+  font-size: 12px;
+  font-weight: 800;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
+.transfer-amount-field {
+  margin-top: 14px;
+}
+
 .card-section,
 .bind-panel {
   padding: 18px 16px;
@@ -460,18 +550,6 @@ select {
   font-weight: 750;
 }
 
-.bind-address-button,
-.change-address {
-  flex: 0 0 auto;
-  min-height: 34px;
-  padding: 0 13px;
-  border-radius: 17px;
-  background: rgba(67, 231, 216, 0.14);
-  color: var(--mint-dark);
-  font-size: 13px;
-  font-weight: 950;
-}
-
 .empty-address-state {
   display: flex;
   align-items: center;
@@ -564,6 +642,7 @@ select {
   font-size: 14px;
   font-weight: 850;
   letter-spacing: 0;
+  overflow-wrap: anywhere;
 }
 
 .bound-meta {
@@ -573,11 +652,6 @@ select {
   font-weight: 750;
 }
 
-.change-address {
-  background: rgba(255, 255, 255, 0.18);
-  color: #fff;
-}
-
 .bind-panel {
   display: block;
 }
@@ -585,51 +659,16 @@ select {
 .address-form {
   display: flex;
   flex-direction: column;
-  gap: 13px;
   margin-top: 14px;
 }
 
-.network-field {
-  display: flex;
-  align-items: center;
-  gap: 9px;
+.address-form input {
   min-height: 48px;
   padding: 0 14px;
   border-radius: 8px;
   background: #f4f6f6;
 }
 
-.network-field strong {
-  color: #25282e;
-  font-size: 15px;
-  font-weight: 950;
-}
-
-.network-field span {
-  padding: 4px 8px;
-  border-radius: 999px;
-  background: rgba(67, 231, 216, 0.16);
-  color: var(--mint-dark);
-  font-size: 12px;
-  font-weight: 950;
-}
-
-.network-note {
-  margin-top: -2px;
-  color: var(--muted);
-  font-size: 12px;
-  font-weight: 750;
-  line-height: 1.35;
-}
-
-.form-actions {
-  display: grid;
-  grid-template-columns: 1fr 1fr;
-  gap: 10px;
-  margin-top: 2px;
-}
-
-.secondary-button,
 .primary-button,
 .submit-button {
   min-height: 48px;
@@ -638,17 +677,21 @@ select {
   font-weight: 950;
 }
 
-.secondary-button {
-  background: #eef1f1;
-  color: #55585f;
-}
-
 .primary-button,
 .submit-button {
   background: linear-gradient(135deg, #67f4e8 0%, #27d3c4 100%);
   color: #11302d;
 }
 
+.primary-button {
+  width: 100%;
+  margin-top: 14px;
+}
+
+.primary-button:disabled {
+  opacity: 0.58;
+}
+
 .submit-button {
   width: 100%;
   box-shadow: 0 8px 20px rgba(29, 206, 193, 0.22);
@@ -726,4 +769,12 @@ select {
   .title-bar h1 {
     font-size: 19px;
   }
+
+  .mode-tab {
+    font-size: 13px;
+  }
+
+  .transfer-search {
+    grid-template-columns: 1fr;
+  }
 }