积分收益政策h5

api/proto/user/v1/host.proto

@@ -698,6 +698,39 @@ message UpdateAgencyProfileResponse {
   Agency agency = 1;
 }
 
+// HostEngagementStats 是 Fami 等公会中心使用的用户侧统计聚合；金额/礼物流水由 wallet-service 单独拥有。
+message HostEngagementStats {
+  int64 online_duration_ms = 1;
+  int64 valid_mic_duration_ms = 2;
+  int64 valid_mic_days = 3;
+  int64 private_message_senders = 4;
+  int64 new_followers = 5;
+}
+
+message GetHostEngagementStatsRequest {
+  RequestMeta meta = 1;
+  int64 host_user_id = 2;
+  int64 start_at_ms = 3;
+  int64 end_at_ms = 4;
+}
+
+message GetHostEngagementStatsResponse {
+  HostEngagementStats stats = 1;
+}
+
+// RecordPrivateMessageEvent 由经过腾讯回调鉴权的 gateway 写入私信事实；重复 event_id 必须幂等。
+message RecordPrivateMessageEventRequest {
+  RequestMeta meta = 1;
+  string event_id = 2;
+  int64 sender_user_id = 3;
+  int64 target_user_id = 4;
+  int64 occurred_at_ms = 5;
+}
+
+message RecordPrivateMessageEventResponse {
+  bool created = 1;
+}
+
 // UserHostService 是 user-service 内部 host domain 的 gRPC 面，不是独立微服务。
 service UserHostService {
   rpc SearchAgencies(SearchAgenciesRequest) returns (SearchAgenciesResponse);
@@ -731,6 +764,8 @@ service UserHostService {
   rpc GetAgencyMembers(GetAgencyMembersRequest) returns (GetAgencyMembersResponse);
   rpc GetAgencyApplications(GetAgencyApplicationsRequest) returns (GetAgencyApplicationsResponse);
   rpc UpdateAgencyProfile(UpdateAgencyProfileRequest) returns (UpdateAgencyProfileResponse);
+  rpc GetHostEngagementStats(GetHostEngagementStatsRequest) returns (GetHostEngagementStatsResponse);
+  rpc RecordPrivateMessageEvent(RecordPrivateMessageEventRequest) returns (RecordPrivateMessageEventResponse);
 }
 
 // UserHostAdminService 是后台关系管理入口；公网 admin 鉴权由 admin-server 承担。

api/proto/user/v1/host_grpc.pb.go

@@ -49,6 +49,8 @@ const (
 	UserHostService_GetAgencyMembers_FullMethodName                = "/hyapp.user.v1.UserHostService/GetAgencyMembers"
 	UserHostService_GetAgencyApplications_FullMethodName           = "/hyapp.user.v1.UserHostService/GetAgencyApplications"
 	UserHostService_UpdateAgencyProfile_FullMethodName             = "/hyapp.user.v1.UserHostService/UpdateAgencyProfile"
+	UserHostService_GetHostEngagementStats_FullMethodName          = "/hyapp.user.v1.UserHostService/GetHostEngagementStats"
+	UserHostService_RecordPrivateMessageEvent_FullMethodName       = "/hyapp.user.v1.UserHostService/RecordPrivateMessageEvent"
 )
 
 // UserHostServiceClient is the client API for UserHostService service.
@@ -88,6 +90,8 @@ type UserHostServiceClient interface {
 	GetAgencyMembers(ctx context.Context, in *GetAgencyMembersRequest, opts ...grpc.CallOption) (*GetAgencyMembersResponse, error)
 	GetAgencyApplications(ctx context.Context, in *GetAgencyApplicationsRequest, opts ...grpc.CallOption) (*GetAgencyApplicationsResponse, error)
 	UpdateAgencyProfile(ctx context.Context, in *UpdateAgencyProfileRequest, opts ...grpc.CallOption) (*UpdateAgencyProfileResponse, error)
+	GetHostEngagementStats(ctx context.Context, in *GetHostEngagementStatsRequest, opts ...grpc.CallOption) (*GetHostEngagementStatsResponse, error)
+	RecordPrivateMessageEvent(ctx context.Context, in *RecordPrivateMessageEventRequest, opts ...grpc.CallOption) (*RecordPrivateMessageEventResponse, error)
 }
 
 type userHostServiceClient struct {
@@ -398,6 +402,26 @@ func (c *userHostServiceClient) UpdateAgencyProfile(ctx context.Context, in *Upd
 	return out, nil
 }
 
+func (c *userHostServiceClient) GetHostEngagementStats(ctx context.Context, in *GetHostEngagementStatsRequest, opts ...grpc.CallOption) (*GetHostEngagementStatsResponse, error) {
+	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
+	out := new(GetHostEngagementStatsResponse)
+	err := c.cc.Invoke(ctx, UserHostService_GetHostEngagementStats_FullMethodName, in, out, cOpts...)
+	if err != nil {
+		return nil, err
+	}
+	return out, nil
+}
+
+func (c *userHostServiceClient) RecordPrivateMessageEvent(ctx context.Context, in *RecordPrivateMessageEventRequest, opts ...grpc.CallOption) (*RecordPrivateMessageEventResponse, error) {
+	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
+	out := new(RecordPrivateMessageEventResponse)
+	err := c.cc.Invoke(ctx, UserHostService_RecordPrivateMessageEvent_FullMethodName, in, out, cOpts...)
+	if err != nil {
+		return nil, err
+	}
+	return out, nil
+}
+
 // UserHostServiceServer is the server API for UserHostService service.
 // All implementations must embed UnimplementedUserHostServiceServer
 // for forward compatibility.
@@ -435,6 +459,8 @@ type UserHostServiceServer interface {
 	GetAgencyMembers(context.Context, *GetAgencyMembersRequest) (*GetAgencyMembersResponse, error)
 	GetAgencyApplications(context.Context, *GetAgencyApplicationsRequest) (*GetAgencyApplicationsResponse, error)
 	UpdateAgencyProfile(context.Context, *UpdateAgencyProfileRequest) (*UpdateAgencyProfileResponse, error)
+	GetHostEngagementStats(context.Context, *GetHostEngagementStatsRequest) (*GetHostEngagementStatsResponse, error)
+	RecordPrivateMessageEvent(context.Context, *RecordPrivateMessageEventRequest) (*RecordPrivateMessageEventResponse, error)
 	mustEmbedUnimplementedUserHostServiceServer()
 }
 
@@ -535,6 +561,12 @@ func (UnimplementedUserHostServiceServer) GetAgencyApplications(context.Context,
 func (UnimplementedUserHostServiceServer) UpdateAgencyProfile(context.Context, *UpdateAgencyProfileRequest) (*UpdateAgencyProfileResponse, error) {
 	return nil, status.Errorf(codes.Unimplemented, "method UpdateAgencyProfile not implemented")
 }
+func (UnimplementedUserHostServiceServer) GetHostEngagementStats(context.Context, *GetHostEngagementStatsRequest) (*GetHostEngagementStatsResponse, error) {
+	return nil, status.Errorf(codes.Unimplemented, "method GetHostEngagementStats not implemented")
+}
+func (UnimplementedUserHostServiceServer) RecordPrivateMessageEvent(context.Context, *RecordPrivateMessageEventRequest) (*RecordPrivateMessageEventResponse, error) {
+	return nil, status.Errorf(codes.Unimplemented, "method RecordPrivateMessageEvent not implemented")
+}
 func (UnimplementedUserHostServiceServer) mustEmbedUnimplementedUserHostServiceServer() {}
 func (UnimplementedUserHostServiceServer) testEmbeddedByValue()                         {}
 
@@ -1096,6 +1128,42 @@ func _UserHostService_UpdateAgencyProfile_Handler(srv interface{}, ctx context.C
 	return interceptor(ctx, in, info, handler)
 }
 
+func _UserHostService_GetHostEngagementStats_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
+	in := new(GetHostEngagementStatsRequest)
+	if err := dec(in); err != nil {
+		return nil, err
+	}
+	if interceptor == nil {
+		return srv.(UserHostServiceServer).GetHostEngagementStats(ctx, in)
+	}
+	info := &grpc.UnaryServerInfo{
+		Server:     srv,
+		FullMethod: UserHostService_GetHostEngagementStats_FullMethodName,
+	}
+	handler := func(ctx context.Context, req interface{}) (interface{}, error) {
+		return srv.(UserHostServiceServer).GetHostEngagementStats(ctx, req.(*GetHostEngagementStatsRequest))
+	}
+	return interceptor(ctx, in, info, handler)
+}
+
+func _UserHostService_RecordPrivateMessageEvent_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
+	in := new(RecordPrivateMessageEventRequest)
+	if err := dec(in); err != nil {
+		return nil, err
+	}
+	if interceptor == nil {
+		return srv.(UserHostServiceServer).RecordPrivateMessageEvent(ctx, in)
+	}
+	info := &grpc.UnaryServerInfo{
+		Server:     srv,
+		FullMethod: UserHostService_RecordPrivateMessageEvent_FullMethodName,
+	}
+	handler := func(ctx context.Context, req interface{}) (interface{}, error) {
+		return srv.(UserHostServiceServer).RecordPrivateMessageEvent(ctx, req.(*RecordPrivateMessageEventRequest))
+	}
+	return interceptor(ctx, in, info, handler)
+}
+
 // UserHostService_ServiceDesc is the grpc.ServiceDesc for UserHostService service.
 // It's only intended for direct use with grpc.RegisterService,
 // and not to be introspected or modified (even as a copy)
@@ -1223,6 +1291,14 @@ var UserHostService_ServiceDesc = grpc.ServiceDesc{
 			MethodName: "UpdateAgencyProfile",
 			Handler:    _UserHostService_UpdateAgencyProfile_Handler,
 		},
+		{
+			MethodName: "GetHostEngagementStats",
+			Handler:    _UserHostService_GetHostEngagementStats_Handler,
+		},
+		{
+			MethodName: "RecordPrivateMessageEvent",
+			Handler:    _UserHostService_RecordPrivateMessageEvent_Handler,
+		},
 	},
 	Streams:  []grpc.StreamDesc{},
 	Metadata: "proto/user/v1/host.proto",

api/proto/wallet/v1/wallet.proto

@@ -2763,6 +2763,122 @@ message GetGiftCatalogVersionResponse {
   int64 version = 1;
 }
 
+// HostRevenueStats 聚合主播在自然日区间内的收益 POINT 和送礼用户；gateway 对外仍按产品文案展示为钻石。
+message HostRevenueStats {
+  int64 diamond_earnings = 1;
+  int64 diamond_exchanged = 2;
+  int64 gift_senders = 3;
+}
+
+message GetHostRevenueStatsRequest {
+  string request_id = 1;
+  string app_code = 2;
+  int64 host_user_id = 3;
+  int64 start_at_ms = 4;
+  int64 end_at_ms = 5;
+}
+
+message GetHostRevenueStatsResponse {
+  HostRevenueStats stats = 1;
+}
+
+// AgencyPointShareStats 只统计独立 Agency 分成流水，不把 owner 自己的主播礼物收益重复算入分成。
+message AgencyPointShareStats {
+  int64 share_income = 1;
+  int64 gifted_host_count = 2;
+}
+
+message GetAgencyPointShareStatsRequest {
+  string request_id = 1;
+  string app_code = 2;
+  int64 agency_owner_user_id = 3;
+  int64 start_at_ms = 4;
+  int64 end_at_ms = 5;
+}
+
+message GetAgencyPointShareStatsResponse {
+  AgencyPointShareStats stats = 1;
+}
+
+message AgencyHostGiftStats {
+  int64 gift_income = 1;
+  int64 gifted_host_count = 2;
+}
+
+message GetAgencyHostGiftStatsRequest {
+  string request_id = 1;
+  string app_code = 2;
+  repeated int64 host_user_ids = 3;
+  int64 start_at_ms = 4;
+  int64 end_at_ms = 5;
+}
+
+message GetAgencyHostGiftStatsResponse {
+  AgencyHostGiftStats stats = 1;
+}
+
+// PointWithdrawalCoinSellerConfig 是按 App 隔离的 POINT 提现币商白名单与兑换比例。
+// 比例用整数分子/分母保存，避免浮点金额在 H5、gateway 和账本间产生舍入分歧。
+message PointWithdrawalCoinSellerConfig {
+  string app_code = 1;
+  int64 seller_user_id = 2;
+  int32 sort_order = 3;
+  int64 point_amount = 4;
+  int64 seller_coin_amount = 5;
+  repeated string service_country_codes = 6;
+  string status = 7;
+  int64 created_at_ms = 8;
+  int64 updated_at_ms = 9;
+}
+
+message ListPointWithdrawalCoinSellersRequest {
+  string request_id = 1;
+  string app_code = 2;
+  // country_code 由 gateway 从登录用户资料注入；为空只用于 Admin/内部查询。
+  string country_code = 3;
+  bool include_disabled = 4;
+}
+
+message ListPointWithdrawalCoinSellersResponse {
+  repeated PointWithdrawalCoinSellerConfig sellers = 1;
+}
+
+message TransferPointToCoinSellerRequest {
+  string command_id = 1;
+  string app_code = 2;
+  int64 source_user_id = 3;
+  int64 seller_user_id = 4;
+  int64 point_amount = 5;
+  // source_country_code 由 gateway 从用户资料读取，wallet 会再次校验币商服务国家。
+  string source_country_code = 6;
+  string reason = 7;
+}
+
+message TransferPointToCoinSellerResponse {
+  string transaction_id = 1;
+  int64 source_point_balance_after = 2;
+  int64 seller_balance_after = 3;
+  int64 point_amount = 4;
+  int64 seller_coin_amount = 5;
+  int64 ratio_point_amount = 6;
+  int64 ratio_seller_coin_amount = 7;
+}
+
+message GetPointWithdrawalConfigRequest {
+  string request_id = 1;
+  string app_code = 2;
+  int64 region_id = 3;
+  int64 now_ms = 4;
+}
+
+message GetPointWithdrawalConfigResponse {
+  bool found = 1;
+  int64 points_per_usd = 2;
+  int32 fee_bps = 3;
+  int64 minimum_points = 4;
+  string policy_instance_code = 5;
+}
+
 // WalletCronService 只给 cron-service 调用；账务状态仍由 wallet-service owner 修改。
 service WalletCronService {
   rpc ProcessHostSalaryDailySettlementBatch(CronBatchRequest) returns (CronBatchResponse);
@@ -2780,6 +2896,9 @@ service WalletService {
   rpc GetBalances(GetBalancesRequest) returns (GetBalancesResponse);
   rpc GetActiveHostSalaryPolicy(GetActiveHostSalaryPolicyRequest) returns (GetActiveHostSalaryPolicyResponse);
   rpc GetHostSalaryProgress(GetHostSalaryProgressRequest) returns (GetHostSalaryProgressResponse);
+  rpc GetHostRevenueStats(GetHostRevenueStatsRequest) returns (GetHostRevenueStatsResponse);
+  rpc GetAgencyPointShareStats(GetAgencyPointShareStatsRequest) returns (GetAgencyPointShareStatsResponse);
+  rpc GetAgencyHostGiftStats(GetAgencyHostGiftStatsRequest) returns (GetAgencyHostGiftStatsResponse);
   // GetTeamHostSalaryStats 按 Agency 收款人集合聚合主播预收入工资；经理中心团队工资卡片使用。
   rpc GetTeamHostSalaryStats(GetTeamHostSalaryStatsRequest) returns (GetTeamHostSalaryStatsResponse);
   rpc AdminCreditAsset(AdminCreditAssetRequest) returns (AdminCreditAssetResponse);
@@ -2789,6 +2908,9 @@ service WalletService {
   rpc ListCoinSellerSalaryExchangeRateTiers(ListCoinSellerSalaryExchangeRateTiersRequest) returns (ListCoinSellerSalaryExchangeRateTiersResponse);
   rpc ExchangeSalaryToCoin(ExchangeSalaryToCoinRequest) returns (ExchangeSalaryToCoinResponse);
   rpc TransferSalaryToCoinSeller(TransferSalaryToCoinSellerRequest) returns (TransferSalaryToCoinSellerResponse);
+  rpc ListPointWithdrawalCoinSellers(ListPointWithdrawalCoinSellersRequest) returns (ListPointWithdrawalCoinSellersResponse);
+  rpc TransferPointToCoinSeller(TransferPointToCoinSellerRequest) returns (TransferPointToCoinSellerResponse);
+  rpc GetPointWithdrawalConfig(GetPointWithdrawalConfigRequest) returns (GetPointWithdrawalConfigResponse);
   rpc FreezeSalaryWithdrawal(FreezeSalaryWithdrawalRequest) returns (FreezeSalaryWithdrawalResponse);
   rpc SettleSalaryWithdrawal(SettleSalaryWithdrawalRequest) returns (SettleSalaryWithdrawalResponse);
   rpc ReleaseSalaryWithdrawal(ReleaseSalaryWithdrawalRequest) returns (ReleaseSalaryWithdrawalResponse);

api/proto/wallet/v1/wallet_grpc.pb.go

@@ -246,6 +246,9 @@ const (
 	WalletService_GetBalances_FullMethodName                           = "/hyapp.wallet.v1.WalletService/GetBalances"
 	WalletService_GetActiveHostSalaryPolicy_FullMethodName             = "/hyapp.wallet.v1.WalletService/GetActiveHostSalaryPolicy"
 	WalletService_GetHostSalaryProgress_FullMethodName                 = "/hyapp.wallet.v1.WalletService/GetHostSalaryProgress"
+	WalletService_GetHostRevenueStats_FullMethodName                   = "/hyapp.wallet.v1.WalletService/GetHostRevenueStats"
+	WalletService_GetAgencyPointShareStats_FullMethodName              = "/hyapp.wallet.v1.WalletService/GetAgencyPointShareStats"
+	WalletService_GetAgencyHostGiftStats_FullMethodName                = "/hyapp.wallet.v1.WalletService/GetAgencyHostGiftStats"
 	WalletService_GetTeamHostSalaryStats_FullMethodName                = "/hyapp.wallet.v1.WalletService/GetTeamHostSalaryStats"
 	WalletService_AdminCreditAsset_FullMethodName                      = "/hyapp.wallet.v1.WalletService/AdminCreditAsset"
 	WalletService_AdminCreditCoinSellerStock_FullMethodName            = "/hyapp.wallet.v1.WalletService/AdminCreditCoinSellerStock"
@@ -254,6 +257,9 @@ const (
 	WalletService_ListCoinSellerSalaryExchangeRateTiers_FullMethodName = "/hyapp.wallet.v1.WalletService/ListCoinSellerSalaryExchangeRateTiers"
 	WalletService_ExchangeSalaryToCoin_FullMethodName                  = "/hyapp.wallet.v1.WalletService/ExchangeSalaryToCoin"
 	WalletService_TransferSalaryToCoinSeller_FullMethodName            = "/hyapp.wallet.v1.WalletService/TransferSalaryToCoinSeller"
+	WalletService_ListPointWithdrawalCoinSellers_FullMethodName        = "/hyapp.wallet.v1.WalletService/ListPointWithdrawalCoinSellers"
+	WalletService_TransferPointToCoinSeller_FullMethodName             = "/hyapp.wallet.v1.WalletService/TransferPointToCoinSeller"
+	WalletService_GetPointWithdrawalConfig_FullMethodName              = "/hyapp.wallet.v1.WalletService/GetPointWithdrawalConfig"
 	WalletService_FreezeSalaryWithdrawal_FullMethodName                = "/hyapp.wallet.v1.WalletService/FreezeSalaryWithdrawal"
 	WalletService_SettleSalaryWithdrawal_FullMethodName                = "/hyapp.wallet.v1.WalletService/SettleSalaryWithdrawal"
 	WalletService_ReleaseSalaryWithdrawal_FullMethodName               = "/hyapp.wallet.v1.WalletService/ReleaseSalaryWithdrawal"
@@ -372,6 +378,9 @@ type WalletServiceClient interface {
 	GetBalances(ctx context.Context, in *GetBalancesRequest, opts ...grpc.CallOption) (*GetBalancesResponse, error)
 	GetActiveHostSalaryPolicy(ctx context.Context, in *GetActiveHostSalaryPolicyRequest, opts ...grpc.CallOption) (*GetActiveHostSalaryPolicyResponse, error)
 	GetHostSalaryProgress(ctx context.Context, in *GetHostSalaryProgressRequest, opts ...grpc.CallOption) (*GetHostSalaryProgressResponse, error)
+	GetHostRevenueStats(ctx context.Context, in *GetHostRevenueStatsRequest, opts ...grpc.CallOption) (*GetHostRevenueStatsResponse, error)
+	GetAgencyPointShareStats(ctx context.Context, in *GetAgencyPointShareStatsRequest, opts ...grpc.CallOption) (*GetAgencyPointShareStatsResponse, error)
+	GetAgencyHostGiftStats(ctx context.Context, in *GetAgencyHostGiftStatsRequest, opts ...grpc.CallOption) (*GetAgencyHostGiftStatsResponse, error)
 	// GetTeamHostSalaryStats 按 Agency 收款人集合聚合主播预收入工资；经理中心团队工资卡片使用。
 	GetTeamHostSalaryStats(ctx context.Context, in *GetTeamHostSalaryStatsRequest, opts ...grpc.CallOption) (*GetTeamHostSalaryStatsResponse, error)
 	AdminCreditAsset(ctx context.Context, in *AdminCreditAssetRequest, opts ...grpc.CallOption) (*AdminCreditAssetResponse, error)
@@ -381,6 +390,9 @@ type WalletServiceClient interface {
 	ListCoinSellerSalaryExchangeRateTiers(ctx context.Context, in *ListCoinSellerSalaryExchangeRateTiersRequest, opts ...grpc.CallOption) (*ListCoinSellerSalaryExchangeRateTiersResponse, error)
 	ExchangeSalaryToCoin(ctx context.Context, in *ExchangeSalaryToCoinRequest, opts ...grpc.CallOption) (*ExchangeSalaryToCoinResponse, error)
 	TransferSalaryToCoinSeller(ctx context.Context, in *TransferSalaryToCoinSellerRequest, opts ...grpc.CallOption) (*TransferSalaryToCoinSellerResponse, error)
+	ListPointWithdrawalCoinSellers(ctx context.Context, in *ListPointWithdrawalCoinSellersRequest, opts ...grpc.CallOption) (*ListPointWithdrawalCoinSellersResponse, error)
+	TransferPointToCoinSeller(ctx context.Context, in *TransferPointToCoinSellerRequest, opts ...grpc.CallOption) (*TransferPointToCoinSellerResponse, error)
+	GetPointWithdrawalConfig(ctx context.Context, in *GetPointWithdrawalConfigRequest, opts ...grpc.CallOption) (*GetPointWithdrawalConfigResponse, error)
 	FreezeSalaryWithdrawal(ctx context.Context, in *FreezeSalaryWithdrawalRequest, opts ...grpc.CallOption) (*FreezeSalaryWithdrawalResponse, error)
 	SettleSalaryWithdrawal(ctx context.Context, in *SettleSalaryWithdrawalRequest, opts ...grpc.CallOption) (*SettleSalaryWithdrawalResponse, error)
 	ReleaseSalaryWithdrawal(ctx context.Context, in *ReleaseSalaryWithdrawalRequest, opts ...grpc.CallOption) (*ReleaseSalaryWithdrawalResponse, error)
@@ -564,6 +576,36 @@ func (c *walletServiceClient) GetHostSalaryProgress(ctx context.Context, in *Get
 	return out, nil
 }
 
+func (c *walletServiceClient) GetHostRevenueStats(ctx context.Context, in *GetHostRevenueStatsRequest, opts ...grpc.CallOption) (*GetHostRevenueStatsResponse, error) {
+	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
+	out := new(GetHostRevenueStatsResponse)
+	err := c.cc.Invoke(ctx, WalletService_GetHostRevenueStats_FullMethodName, in, out, cOpts...)
+	if err != nil {
+		return nil, err
+	}
+	return out, nil
+}
+
+func (c *walletServiceClient) GetAgencyPointShareStats(ctx context.Context, in *GetAgencyPointShareStatsRequest, opts ...grpc.CallOption) (*GetAgencyPointShareStatsResponse, error) {
+	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
+	out := new(GetAgencyPointShareStatsResponse)
+	err := c.cc.Invoke(ctx, WalletService_GetAgencyPointShareStats_FullMethodName, in, out, cOpts...)
+	if err != nil {
+		return nil, err
+	}
+	return out, nil
+}
+
+func (c *walletServiceClient) GetAgencyHostGiftStats(ctx context.Context, in *GetAgencyHostGiftStatsRequest, opts ...grpc.CallOption) (*GetAgencyHostGiftStatsResponse, error) {
+	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
+	out := new(GetAgencyHostGiftStatsResponse)
+	err := c.cc.Invoke(ctx, WalletService_GetAgencyHostGiftStats_FullMethodName, in, out, cOpts...)
+	if err != nil {
+		return nil, err
+	}
+	return out, nil
+}
+
 func (c *walletServiceClient) GetTeamHostSalaryStats(ctx context.Context, in *GetTeamHostSalaryStatsRequest, opts ...grpc.CallOption) (*GetTeamHostSalaryStatsResponse, error) {
 	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
 	out := new(GetTeamHostSalaryStatsResponse)
@@ -644,6 +686,36 @@ func (c *walletServiceClient) TransferSalaryToCoinSeller(ctx context.Context, in
 	return out, nil
 }
 
+func (c *walletServiceClient) ListPointWithdrawalCoinSellers(ctx context.Context, in *ListPointWithdrawalCoinSellersRequest, opts ...grpc.CallOption) (*ListPointWithdrawalCoinSellersResponse, error) {
+	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
+	out := new(ListPointWithdrawalCoinSellersResponse)
+	err := c.cc.Invoke(ctx, WalletService_ListPointWithdrawalCoinSellers_FullMethodName, in, out, cOpts...)
+	if err != nil {
+		return nil, err
+	}
+	return out, nil
+}
+
+func (c *walletServiceClient) TransferPointToCoinSeller(ctx context.Context, in *TransferPointToCoinSellerRequest, opts ...grpc.CallOption) (*TransferPointToCoinSellerResponse, error) {
+	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
+	out := new(TransferPointToCoinSellerResponse)
+	err := c.cc.Invoke(ctx, WalletService_TransferPointToCoinSeller_FullMethodName, in, out, cOpts...)
+	if err != nil {
+		return nil, err
+	}
+	return out, nil
+}
+
+func (c *walletServiceClient) GetPointWithdrawalConfig(ctx context.Context, in *GetPointWithdrawalConfigRequest, opts ...grpc.CallOption) (*GetPointWithdrawalConfigResponse, error) {
+	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
+	out := new(GetPointWithdrawalConfigResponse)
+	err := c.cc.Invoke(ctx, WalletService_GetPointWithdrawalConfig_FullMethodName, in, out, cOpts...)
+	if err != nil {
+		return nil, err
+	}
+	return out, nil
+}
+
 func (c *walletServiceClient) FreezeSalaryWithdrawal(ctx context.Context, in *FreezeSalaryWithdrawalRequest, opts ...grpc.CallOption) (*FreezeSalaryWithdrawalResponse, error) {
 	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
 	out := new(FreezeSalaryWithdrawalResponse)
@@ -1687,6 +1759,9 @@ type WalletServiceServer interface {
 	GetBalances(context.Context, *GetBalancesRequest) (*GetBalancesResponse, error)
 	GetActiveHostSalaryPolicy(context.Context, *GetActiveHostSalaryPolicyRequest) (*GetActiveHostSalaryPolicyResponse, error)
 	GetHostSalaryProgress(context.Context, *GetHostSalaryProgressRequest) (*GetHostSalaryProgressResponse, error)
+	GetHostRevenueStats(context.Context, *GetHostRevenueStatsRequest) (*GetHostRevenueStatsResponse, error)
+	GetAgencyPointShareStats(context.Context, *GetAgencyPointShareStatsRequest) (*GetAgencyPointShareStatsResponse, error)
+	GetAgencyHostGiftStats(context.Context, *GetAgencyHostGiftStatsRequest) (*GetAgencyHostGiftStatsResponse, error)
 	// GetTeamHostSalaryStats 按 Agency 收款人集合聚合主播预收入工资；经理中心团队工资卡片使用。
 	GetTeamHostSalaryStats(context.Context, *GetTeamHostSalaryStatsRequest) (*GetTeamHostSalaryStatsResponse, error)
 	AdminCreditAsset(context.Context, *AdminCreditAssetRequest) (*AdminCreditAssetResponse, error)
@@ -1696,6 +1771,9 @@ type WalletServiceServer interface {
 	ListCoinSellerSalaryExchangeRateTiers(context.Context, *ListCoinSellerSalaryExchangeRateTiersRequest) (*ListCoinSellerSalaryExchangeRateTiersResponse, error)
 	ExchangeSalaryToCoin(context.Context, *ExchangeSalaryToCoinRequest) (*ExchangeSalaryToCoinResponse, error)
 	TransferSalaryToCoinSeller(context.Context, *TransferSalaryToCoinSellerRequest) (*TransferSalaryToCoinSellerResponse, error)
+	ListPointWithdrawalCoinSellers(context.Context, *ListPointWithdrawalCoinSellersRequest) (*ListPointWithdrawalCoinSellersResponse, error)
+	TransferPointToCoinSeller(context.Context, *TransferPointToCoinSellerRequest) (*TransferPointToCoinSellerResponse, error)
+	GetPointWithdrawalConfig(context.Context, *GetPointWithdrawalConfigRequest) (*GetPointWithdrawalConfigResponse, error)
 	FreezeSalaryWithdrawal(context.Context, *FreezeSalaryWithdrawalRequest) (*FreezeSalaryWithdrawalResponse, error)
 	SettleSalaryWithdrawal(context.Context, *SettleSalaryWithdrawalRequest) (*SettleSalaryWithdrawalResponse, error)
 	ReleaseSalaryWithdrawal(context.Context, *ReleaseSalaryWithdrawalRequest) (*ReleaseSalaryWithdrawalResponse, error)
@@ -1830,6 +1908,15 @@ func (UnimplementedWalletServiceServer) GetActiveHostSalaryPolicy(context.Contex
 func (UnimplementedWalletServiceServer) GetHostSalaryProgress(context.Context, *GetHostSalaryProgressRequest) (*GetHostSalaryProgressResponse, error) {
 	return nil, status.Errorf(codes.Unimplemented, "method GetHostSalaryProgress not implemented")
 }
+func (UnimplementedWalletServiceServer) GetHostRevenueStats(context.Context, *GetHostRevenueStatsRequest) (*GetHostRevenueStatsResponse, error) {
+	return nil, status.Errorf(codes.Unimplemented, "method GetHostRevenueStats not implemented")
+}
+func (UnimplementedWalletServiceServer) GetAgencyPointShareStats(context.Context, *GetAgencyPointShareStatsRequest) (*GetAgencyPointShareStatsResponse, error) {
+	return nil, status.Errorf(codes.Unimplemented, "method GetAgencyPointShareStats not implemented")
+}
+func (UnimplementedWalletServiceServer) GetAgencyHostGiftStats(context.Context, *GetAgencyHostGiftStatsRequest) (*GetAgencyHostGiftStatsResponse, error) {
+	return nil, status.Errorf(codes.Unimplemented, "method GetAgencyHostGiftStats not implemented")
+}
 func (UnimplementedWalletServiceServer) GetTeamHostSalaryStats(context.Context, *GetTeamHostSalaryStatsRequest) (*GetTeamHostSalaryStatsResponse, error) {
 	return nil, status.Errorf(codes.Unimplemented, "method GetTeamHostSalaryStats not implemented")
 }
@@ -1854,6 +1941,15 @@ func (UnimplementedWalletServiceServer) ExchangeSalaryToCoin(context.Context, *E
 func (UnimplementedWalletServiceServer) TransferSalaryToCoinSeller(context.Context, *TransferSalaryToCoinSellerRequest) (*TransferSalaryToCoinSellerResponse, error) {
 	return nil, status.Errorf(codes.Unimplemented, "method TransferSalaryToCoinSeller not implemented")
 }
+func (UnimplementedWalletServiceServer) ListPointWithdrawalCoinSellers(context.Context, *ListPointWithdrawalCoinSellersRequest) (*ListPointWithdrawalCoinSellersResponse, error) {
+	return nil, status.Errorf(codes.Unimplemented, "method ListPointWithdrawalCoinSellers not implemented")
+}
+func (UnimplementedWalletServiceServer) TransferPointToCoinSeller(context.Context, *TransferPointToCoinSellerRequest) (*TransferPointToCoinSellerResponse, error) {
+	return nil, status.Errorf(codes.Unimplemented, "method TransferPointToCoinSeller not implemented")
+}
+func (UnimplementedWalletServiceServer) GetPointWithdrawalConfig(context.Context, *GetPointWithdrawalConfigRequest) (*GetPointWithdrawalConfigResponse, error) {
+	return nil, status.Errorf(codes.Unimplemented, "method GetPointWithdrawalConfig not implemented")
+}
 func (UnimplementedWalletServiceServer) FreezeSalaryWithdrawal(context.Context, *FreezeSalaryWithdrawalRequest) (*FreezeSalaryWithdrawalResponse, error) {
 	return nil, status.Errorf(codes.Unimplemented, "method FreezeSalaryWithdrawal not implemented")
 }
@@ -2310,6 +2406,60 @@ func _WalletService_GetHostSalaryProgress_Handler(srv interface{}, ctx context.C
 	return interceptor(ctx, in, info, handler)
 }
 
+func _WalletService_GetHostRevenueStats_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
+	in := new(GetHostRevenueStatsRequest)
+	if err := dec(in); err != nil {
+		return nil, err
+	}
+	if interceptor == nil {
+		return srv.(WalletServiceServer).GetHostRevenueStats(ctx, in)
+	}
+	info := &grpc.UnaryServerInfo{
+		Server:     srv,
+		FullMethod: WalletService_GetHostRevenueStats_FullMethodName,
+	}
+	handler := func(ctx context.Context, req interface{}) (interface{}, error) {
+		return srv.(WalletServiceServer).GetHostRevenueStats(ctx, req.(*GetHostRevenueStatsRequest))
+	}
+	return interceptor(ctx, in, info, handler)
+}
+
+func _WalletService_GetAgencyPointShareStats_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
+	in := new(GetAgencyPointShareStatsRequest)
+	if err := dec(in); err != nil {
+		return nil, err
+	}
+	if interceptor == nil {
+		return srv.(WalletServiceServer).GetAgencyPointShareStats(ctx, in)
+	}
+	info := &grpc.UnaryServerInfo{
+		Server:     srv,
+		FullMethod: WalletService_GetAgencyPointShareStats_FullMethodName,
+	}
+	handler := func(ctx context.Context, req interface{}) (interface{}, error) {
+		return srv.(WalletServiceServer).GetAgencyPointShareStats(ctx, req.(*GetAgencyPointShareStatsRequest))
+	}
+	return interceptor(ctx, in, info, handler)
+}
+
+func _WalletService_GetAgencyHostGiftStats_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
+	in := new(GetAgencyHostGiftStatsRequest)
+	if err := dec(in); err != nil {
+		return nil, err
+	}
+	if interceptor == nil {
+		return srv.(WalletServiceServer).GetAgencyHostGiftStats(ctx, in)
+	}
+	info := &grpc.UnaryServerInfo{
+		Server:     srv,
+		FullMethod: WalletService_GetAgencyHostGiftStats_FullMethodName,
+	}
+	handler := func(ctx context.Context, req interface{}) (interface{}, error) {
+		return srv.(WalletServiceServer).GetAgencyHostGiftStats(ctx, req.(*GetAgencyHostGiftStatsRequest))
+	}
+	return interceptor(ctx, in, info, handler)
+}
+
 func _WalletService_GetTeamHostSalaryStats_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
 	in := new(GetTeamHostSalaryStatsRequest)
 	if err := dec(in); err != nil {
@@ -2454,6 +2604,60 @@ func _WalletService_TransferSalaryToCoinSeller_Handler(srv interface{}, ctx cont
 	return interceptor(ctx, in, info, handler)
 }
 
+func _WalletService_ListPointWithdrawalCoinSellers_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
+	in := new(ListPointWithdrawalCoinSellersRequest)
+	if err := dec(in); err != nil {
+		return nil, err
+	}
+	if interceptor == nil {
+		return srv.(WalletServiceServer).ListPointWithdrawalCoinSellers(ctx, in)
+	}
+	info := &grpc.UnaryServerInfo{
+		Server:     srv,
+		FullMethod: WalletService_ListPointWithdrawalCoinSellers_FullMethodName,
+	}
+	handler := func(ctx context.Context, req interface{}) (interface{}, error) {
+		return srv.(WalletServiceServer).ListPointWithdrawalCoinSellers(ctx, req.(*ListPointWithdrawalCoinSellersRequest))
+	}
+	return interceptor(ctx, in, info, handler)
+}
+
+func _WalletService_TransferPointToCoinSeller_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
+	in := new(TransferPointToCoinSellerRequest)
+	if err := dec(in); err != nil {
+		return nil, err
+	}
+	if interceptor == nil {
+		return srv.(WalletServiceServer).TransferPointToCoinSeller(ctx, in)
+	}
+	info := &grpc.UnaryServerInfo{
+		Server:     srv,
+		FullMethod: WalletService_TransferPointToCoinSeller_FullMethodName,
+	}
+	handler := func(ctx context.Context, req interface{}) (interface{}, error) {
+		return srv.(WalletServiceServer).TransferPointToCoinSeller(ctx, req.(*TransferPointToCoinSellerRequest))
+	}
+	return interceptor(ctx, in, info, handler)
+}
+
+func _WalletService_GetPointWithdrawalConfig_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
+	in := new(GetPointWithdrawalConfigRequest)
+	if err := dec(in); err != nil {
+		return nil, err
+	}
+	if interceptor == nil {
+		return srv.(WalletServiceServer).GetPointWithdrawalConfig(ctx, in)
+	}
+	info := &grpc.UnaryServerInfo{
+		Server:     srv,
+		FullMethod: WalletService_GetPointWithdrawalConfig_FullMethodName,
+	}
+	handler := func(ctx context.Context, req interface{}) (interface{}, error) {
+		return srv.(WalletServiceServer).GetPointWithdrawalConfig(ctx, req.(*GetPointWithdrawalConfigRequest))
+	}
+	return interceptor(ctx, in, info, handler)
+}
+
 func _WalletService_FreezeSalaryWithdrawal_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
 	in := new(FreezeSalaryWithdrawalRequest)
 	if err := dec(in); err != nil {
@@ -4343,6 +4547,18 @@ var WalletService_ServiceDesc = grpc.ServiceDesc{
 			MethodName: "GetHostSalaryProgress",
 			Handler:    _WalletService_GetHostSalaryProgress_Handler,
 		},
+		{
+			MethodName: "GetHostRevenueStats",
+			Handler:    _WalletService_GetHostRevenueStats_Handler,
+		},
+		{
+			MethodName: "GetAgencyPointShareStats",
+			Handler:    _WalletService_GetAgencyPointShareStats_Handler,
+		},
+		{
+			MethodName: "GetAgencyHostGiftStats",
+			Handler:    _WalletService_GetAgencyHostGiftStats_Handler,
+		},
 		{
 			MethodName: "GetTeamHostSalaryStats",
 			Handler:    _WalletService_GetTeamHostSalaryStats_Handler,
@@ -4375,6 +4591,18 @@ var WalletService_ServiceDesc = grpc.ServiceDesc{
 			MethodName: "TransferSalaryToCoinSeller",
 			Handler:    _WalletService_TransferSalaryToCoinSeller_Handler,
 		},
+		{
+			MethodName: "ListPointWithdrawalCoinSellers",
+			Handler:    _WalletService_ListPointWithdrawalCoinSellers_Handler,
+		},
+		{
+			MethodName: "TransferPointToCoinSeller",
+			Handler:    _WalletService_TransferPointToCoinSeller_Handler,
+		},
+		{
+			MethodName: "GetPointWithdrawalConfig",
+			Handler:    _WalletService_GetPointWithdrawalConfig_Handler,
+		},
 		{
 			MethodName: "FreezeSalaryWithdrawal",
 			Handler:    _WalletService_FreezeSalaryWithdrawal_Handler,

server/admin/cmd/server/main.go

@@ -63,6 +63,7 @@ import (
 	menumodule "hyapp-admin-server/internal/modules/menu"
 	opscentermodule "hyapp-admin-server/internal/modules/opscenter"
 	paymentmodule "hyapp-admin-server/internal/modules/payment"
+	pointwithdrawalconfigmodule "hyapp-admin-server/internal/modules/pointwithdrawalconfig"
 	policyconfigmodule "hyapp-admin-server/internal/modules/policyconfig"
 	prettyidmodule "hyapp-admin-server/internal/modules/prettyid"
 	rbacmodule "hyapp-admin-server/internal/modules/rbac"
@@ -397,40 +398,41 @@ func main() {
 			gamemanagementmodule.WithRobotProfileSource(robotProfileSource),
 			gamemanagementmodule.WithRobotAppearanceServices(walletclient.NewGRPC(walletConn), activityclient.NewGRPC(activityConn)),
 		),
-		GiftDiamond:          giftdiamondmodule.New(walletDB, auditHandler),
+		GiftDiamond:           giftdiamondmodule.New(walletDB, auditHandler),
-		Health:               healthmodule.New(store, redisClient, jobStatus),
+		Health:                healthmodule.New(store, redisClient, jobStatus),
-		HostAgencyPolicy:     hostagencypolicymodule.New(store, walletDB, auditHandler),
+		HostAgencyPolicy:      hostagencypolicymodule.New(store, walletDB, auditHandler),
-		HostOrg:              hostorgmodule.New(userclient.NewGRPC(userConn), walletclient.NewGRPC(walletConn), userDB, walletDB, sqlDB, auditHandler),
+		HostOrg:               hostorgmodule.New(userclient.NewGRPC(userConn), walletclient.NewGRPC(walletConn), userDB, walletDB, sqlDB, auditHandler),
-		HostSalarySettlement: hostsalarysettlementmodule.New(walletDB, userDB, walletv1.NewWalletCronServiceClient(walletConn), cfg.WalletService.RequestTimeout, auditHandler),
+		HostSalarySettlement:  hostsalarysettlementmodule.New(walletDB, userDB, walletv1.NewWalletCronServiceClient(walletConn), cfg.WalletService.RequestTimeout, auditHandler),
-		HostWithdrawal:       hostwithdrawalmodule.New(sqlDB, walletDB, userDB),
+		HostWithdrawal:        hostwithdrawalmodule.New(sqlDB, walletDB, userDB),
-		InviteActivityReward: inviteactivityrewardmodule.New(activityclient.NewGRPC(activityConn), userDB, auditHandler),
+		InviteActivityReward:  inviteactivityrewardmodule.New(activityclient.NewGRPC(activityConn), userDB, auditHandler),
-		Job:                  jobmodule.New(store, cfg, auditHandler),
+		Job:                   jobmodule.New(store, cfg, auditHandler),
-		LevelConfig:          levelconfigmodule.New(activityclient.NewGRPC(activityConn), walletclient.NewGRPC(walletConn), auditHandler),
+		LevelConfig:           levelconfigmodule.New(activityclient.NewGRPC(activityConn), walletclient.NewGRPC(walletConn), auditHandler),
-		Menu:                 menumodule.New(store, auditHandler),
+		Menu:                  menumodule.New(store, auditHandler),
-		OpsCenter:            opscentermodule.New(appRegistryService, luckyGiftHandler),
+		OpsCenter:             opscentermodule.New(appRegistryService, luckyGiftHandler),
-		Payment:              paymentHandler,
+		Payment:               paymentHandler,
-		PolicyConfig:         policyconfigmodule.New(sqlDB, walletDB, userDB, activityclient.NewGRPC(activityConn), auditHandler),
+		PolicyConfig:          policyconfigmodule.New(sqlDB, walletDB, userDB, activityclient.NewGRPC(activityConn), auditHandler),
-		PrettyID:             prettyidmodule.New(userclient.NewGRPC(userConn), auditHandler),
+		PointWithdrawalConfig: pointwithdrawalconfigmodule.New(walletDB, userDB, auditHandler),
-		RBAC:                 rbacmodule.New(store, auditHandler),
+		PrettyID:              prettyidmodule.New(userclient.NewGRPC(userConn), auditHandler),
-		RedPacket:            redpacketmodule.New(walletclient.NewGRPC(walletConn), auditHandler),
+		RBAC:                  rbacmodule.New(store, auditHandler),
-		Report:               reportmodule.New(userDB, roomClient),
+		RedPacket:             redpacketmodule.New(walletclient.NewGRPC(walletConn), auditHandler),
-		RegistrationReward:   registrationrewardmodule.New(activityclient.NewGRPC(activityConn), userDB, auditHandler),
+		Report:                reportmodule.New(userDB, roomClient),
-		RegionBlock:          regionblockmodule.New(userDB, userclient.NewGRPC(userConn), auditHandler),
+		RegistrationReward:    registrationrewardmodule.New(activityclient.NewGRPC(activityConn), userDB, auditHandler),
-		Resource:             resourcemodule.New(walletclient.NewGRPC(walletConn), store, userDB, cfg.WalletService.RequestTimeout, auditHandler),
+		RegionBlock:           regionblockmodule.New(userDB, userclient.NewGRPC(userConn), auditHandler),
-		RiskConfig:           riskconfigmodule.New(userclient.NewGRPC(userConn), auditHandler),
+		Resource:              resourcemodule.New(walletclient.NewGRPC(walletConn), store, userDB, cfg.WalletService.RequestTimeout, auditHandler),
-		RoomAdmin:            roomadminmodule.New(userDB, store, roomClient, robotClient, auditHandler),
+		RiskConfig:            riskconfigmodule.New(userclient.NewGRPC(userConn), auditHandler),
-		RoomRocket:           roomrocketmodule.New(roomClient, auditHandler),
+		RoomAdmin:             roomadminmodule.New(userDB, store, roomClient, robotClient, auditHandler),
-		RoomTurnoverReward:   roomturnoverrewardmodule.New(activityclient.NewGRPC(activityConn), userDB, auditHandler),
+		RoomRocket:            roomrocketmodule.New(roomClient, auditHandler),
-		Search:               searchmodule.New(store),
+		RoomTurnoverReward:    roomturnoverrewardmodule.New(activityclient.NewGRPC(activityConn), userDB, auditHandler),
-		SevenDayCheckIn:      sevendaycheckinmodule.New(activityclient.NewGRPC(activityConn), userDB, auditHandler),
+		Search:                searchmodule.New(store),
-		Team:                 teammodule.New(store, auditHandler),
+		SevenDayCheckIn:       sevendaycheckinmodule.New(activityclient.NewGRPC(activityConn), userDB, auditHandler),
-		TeamSalaryPolicy:     teamsalarypolicymodule.New(store, auditHandler),
+		Team:                  teammodule.New(store, auditHandler),
-		TeamSalarySettlement: teamSalarySettlementHandler,
+		TeamSalaryPolicy:      teamsalarypolicymodule.New(store, auditHandler),
-		Upload:               uploadmodule.New(objectUploader, cfg.TencentCOS.ObjectPrefix, auditHandler),
+		TeamSalarySettlement:  teamSalarySettlementHandler,
-		UserLeaderboard:      userleaderboardmodule.New(walletDB, userDB, roomClient),
+		Upload:                uploadmodule.New(objectUploader, cfg.TencentCOS.ObjectPrefix, auditHandler),
-		VIPConfig:            vipconfigmodule.New(walletclient.NewGRPC(walletConn), auditHandler),
+		UserLeaderboard:       userleaderboardmodule.New(walletDB, userDB, roomClient),
-		WeeklyStar:           weeklystarmodule.New(activityclient.NewGRPC(activityConn), auditHandler),
+		VIPConfig:             vipconfigmodule.New(walletclient.NewGRPC(walletConn), auditHandler),
-		Wheel:                wheelmodule.New(activityclient.NewGRPC(activityConn), cfg.ActivityService.RequestTimeout, auditHandler),
+		WeeklyStar:            weeklystarmodule.New(activityclient.NewGRPC(activityConn), auditHandler),
+		Wheel:                 wheelmodule.New(activityclient.NewGRPC(activityConn), cfg.ActivityService.RequestTimeout, auditHandler),
 	}
 	engine := router.New(cfg, auth, handlers)
 

server/admin/internal/model/models.go

@@ -653,6 +653,11 @@ type UserWithdrawalApplication struct {
 	SalaryAssetType     string `gorm:"size:64;not null;default:''" json:"salaryAssetType"`
 	WithdrawAmount      string `gorm:"type:decimal(18,2);not null;default:0.00" json:"withdrawAmount"`
 	WithdrawAmountMinor int64  `gorm:"not null;default:0" json:"withdrawAmountMinor"`
+	PointFeeAmount      int64  `gorm:"not null;default:0" json:"pointFeeAmount"`
+	PointNetAmount      int64  `gorm:"not null;default:0" json:"pointNetAmount"`
+	PointsPerUSD        int64  `gorm:"not null;default:100000" json:"pointsPerUsd"`
+	PointFeeBPS         int32  `gorm:"not null;default:500" json:"pointFeeBps"`
+	PointPolicyInstance string `gorm:"column:point_policy_instance_code;size:96;not null;default:''" json:"pointPolicyInstanceCode"`
 	WithdrawMethod      string `gorm:"size:64;index:idx_admin_withdrawal_method;not null;default:''" json:"withdrawMethod"`
 	WithdrawAddress     string `gorm:"size:255;not null;default:''" json:"withdrawAddress"`
 	FreezeCommandID     string `gorm:"size:128;not null;default:''" json:"freezeCommandId"`

server/admin/internal/modules/financewithdrawal/response.go

@@ -15,6 +15,7 @@ type withdrawalApplicationDTO struct {
 	PointNetAmount      int64  `json:"pointNetAmount,omitempty"`
 	PointsPerUSD        int64  `json:"pointsPerUsd,omitempty"`
 	PointFeeBPS         int32  `json:"pointFeeBps,omitempty"`
+	PointPolicyInstance string `json:"pointPolicyInstanceCode,omitempty"`
 	WithdrawMethod      string `json:"withdrawMethod"`
 	WithdrawAddress     string `json:"withdrawAddress"`
 	FreezeTransactionID string `json:"freezeTransactionId"`
@@ -52,17 +53,35 @@ func withdrawalApplicationDTOFromModel(item model.UserWithdrawalApplication) wit
 		UpdatedAtMS:         item.UpdatedAtMS,
 	}
 	if isPointWithdrawalAssetType(item.SalaryAssetType) {
-		grossPoints := item.WithdrawAmountMinor
+		feePoints, netPoints, pointsPerUSD, feeBPS := pointWithdrawalSnapshot(item)
-		feePoints := grossPoints * int64(pointWithdrawalDefaultFeeBPS) / 10000
+		dto.PointGrossAmount = item.WithdrawAmountMinor
-		dto.PointGrossAmount = grossPoints
 		dto.PointFeeAmount = feePoints
-		dto.PointNetAmount = grossPoints - feePoints
+		dto.PointNetAmount = netPoints
-		dto.PointsPerUSD = pointWithdrawalDefaultPointsPerUSD
+		dto.PointsPerUSD = pointsPerUSD
-		dto.PointFeeBPS = pointWithdrawalDefaultFeeBPS
+		dto.PointFeeBPS = feeBPS
+		dto.PointPolicyInstance = item.PointPolicyInstance
 	}
 	return dto
 }
 
+func pointWithdrawalSnapshot(item model.UserWithdrawalApplication) (feePoints int64, netPoints int64, pointsPerUSD int64, feeBPS int32) {
+	pointsPerUSD = item.PointsPerUSD
+	if pointsPerUSD <= 0 {
+		pointsPerUSD = pointWithdrawalDefaultPointsPerUSD
+	}
+	feeBPS = item.PointFeeBPS
+	if feeBPS < 0 || feeBPS > 10000 {
+		feeBPS = pointWithdrawalDefaultFeeBPS
+	}
+	feePoints, netPoints = item.PointFeeAmount, item.PointNetAmount
+	if feePoints < 0 || netPoints < 0 || feePoints+netPoints != item.WithdrawAmountMinor {
+		// 090 之前的存量 POINT 申请没有快照；只对这些不一致旧行按历史 5% 默认回填。
+		feePoints = item.WithdrawAmountMinor * int64(feeBPS) / 10000
+		netPoints = item.WithdrawAmountMinor - feePoints
+	}
+	return
+}
+
 func withdrawalApplicationDTOsFromModel(items []model.UserWithdrawalApplication) []withdrawalApplicationDTO {
 	out := make([]withdrawalApplicationDTO, 0, len(items))
 	for _, item := range items {

server/admin/internal/modules/financewithdrawal/service.go

@@ -92,7 +92,7 @@ func (s *Service) auditApplication(ctx context.Context, actor shared.Actor, id u
 	}
 	commandID := withdrawalAuditCommandID(id, decision)
 	amountMinor := item.WithdrawAmountMinor
-	transactionID, err := s.applyWalletDecision(ctx, decision, commandID, appCode, userID, item.SalaryAssetType, amountMinor, actor, strings.TrimSpace(remark), id)
+	transactionID, err := s.applyWalletDecision(ctx, decision, commandID, appCode, userID, item.SalaryAssetType, amountMinor, item.PointFeeAmount, item.PointNetAmount, item.PointsPerUSD, item.PointFeeBPS, actor, strings.TrimSpace(remark), id)
 	if err != nil {
 		return nil, err
 	}
@@ -130,7 +130,7 @@ func (s *Service) auditApplication(ctx context.Context, actor shared.Actor, id u
 	return &dto, nil
 }
 
-func (s *Service) applyWalletDecision(ctx context.Context, decision string, commandID string, appCode string, userID int64, assetType string, amountMinor int64, actor shared.Actor, remark string, applicationID uint) (string, error) {
+func (s *Service) applyWalletDecision(ctx context.Context, decision string, commandID string, appCode string, userID int64, assetType string, amountMinor int64, storedFeePoints int64, storedNetPoints int64, storedPointsPerUSD int64, storedFeeBPS int32, actor shared.Actor, remark string, applicationID uint) (string, error) {
 	reason := strings.TrimSpace(remark)
 	if reason == "" {
 		reason = "salary withdrawal " + decision
@@ -141,8 +141,10 @@ func (s *Service) applyWalletDecision(ctx context.Context, decision string, comm
 		if !ok {
 			return "", errors.New("point withdrawal wallet executor is not configured")
 		}
-		feePoints := amountMinor * int64(pointWithdrawalDefaultFeeBPS) / 10000
+		feePoints, netPoints, pointsPerUSD, feeBPS := pointWithdrawalSnapshot(model.UserWithdrawalApplication{
-		netPoints := amountMinor - feePoints
+			WithdrawAmountMinor: amountMinor, PointFeeAmount: storedFeePoints, PointNetAmount: storedNetPoints,
+			PointsPerUSD: storedPointsPerUSD, PointFeeBPS: storedFeeBPS,
+		})
 		switch decision {
 		case model.WithdrawalApplicationStatusApproved:
 			resp, err := pointWallet.SettlePointWithdrawal(ctx, &walletv1.SettlePointWithdrawalRequest{
@@ -152,8 +154,8 @@ func (s *Service) applyWalletDecision(ctx context.Context, decision string, comm
 				GrossPointAmount:        amountMinor,
 				FeePointAmount:          feePoints,
 				NetPointAmount:          netPoints,
-				PointsPerUsd:            pointWithdrawalDefaultPointsPerUSD,
+				PointsPerUsd:            pointsPerUSD,
-				FeeBps:                  pointWithdrawalDefaultFeeBPS,
+				FeeBps:                  feeBPS,
 				OperatorUserId:          int64(actor.UserID),
 				Reason:                  reason,
 				AppCode:                 appCode,
@@ -171,8 +173,8 @@ func (s *Service) applyWalletDecision(ctx context.Context, decision string, comm
 				GrossPointAmount:        amountMinor,
 				FeePointAmount:          feePoints,
 				NetPointAmount:          netPoints,
-				PointsPerUsd:            pointWithdrawalDefaultPointsPerUSD,
+				PointsPerUsd:            pointsPerUSD,
-				FeeBps:                  pointWithdrawalDefaultFeeBPS,
+				FeeBps:                  feeBPS,
 				OperatorUserId:          int64(actor.UserID),
 				Reason:                  reason,
 				AppCode:                 appCode,

server/admin/internal/modules/financewithdrawal/service_test.go

@@ -14,7 +14,7 @@ func TestApplyWalletDecisionRoutesPointApprovalToPointSettlement(t *testing.T) {
 	wallet := &fakeAuditWalletClient{}
 	svc := &Service{wallet: wallet}
 
-	transactionID, err := svc.applyWalletDecision(context.Background(), model.WithdrawalApplicationStatusApproved, "audit:77:approved", "huwaa", 42001, "POINT", 1_000_000, shared.Actor{UserID: 90001}, "paid", 77)
+	transactionID, err := svc.applyWalletDecision(context.Background(), model.WithdrawalApplicationStatusApproved, "audit:77:approved", "fami", 42001, "POINT", 1_000_000, 25_000, 975_000, 200_000, 250, shared.Actor{UserID: 90001}, "paid", 77)
 	if err != nil {
 		t.Fatalf("apply point approval failed: %v", err)
 	}
@@ -23,12 +23,14 @@ func TestApplyWalletDecisionRoutesPointApprovalToPointSettlement(t *testing.T) {
 	}
 	if wallet.settlePoint == nil ||
 		wallet.settlePoint.GetCommandId() != "audit:77:approved" ||
-		wallet.settlePoint.GetAppCode() != "huwaa" ||
+		wallet.settlePoint.GetAppCode() != "fami" ||
 		wallet.settlePoint.GetUserId() != 42001 ||
 		wallet.settlePoint.GetAssetType() != "POINT" ||
 		wallet.settlePoint.GetGrossPointAmount() != 1_000_000 ||
-		wallet.settlePoint.GetFeePointAmount() != 50_000 ||
+		wallet.settlePoint.GetFeePointAmount() != 25_000 ||
-		wallet.settlePoint.GetNetPointAmount() != 950_000 ||
+		wallet.settlePoint.GetNetPointAmount() != 975_000 ||
+		wallet.settlePoint.GetPointsPerUsd() != 200_000 ||
+		wallet.settlePoint.GetFeeBps() != 250 ||
 		wallet.settlePoint.GetOperatorUserId() != 90001 ||
 		wallet.settlePoint.GetWithdrawalApplicationId() != "77" {
 		t.Fatalf("SettlePointWithdrawal payload mismatch: %+v", wallet.settlePoint)
@@ -42,7 +44,7 @@ func TestApplyWalletDecisionRoutesPointRejectionToPointRelease(t *testing.T) {
 	wallet := &fakeAuditWalletClient{}
 	svc := &Service{wallet: wallet}
 
-	transactionID, err := svc.applyWalletDecision(context.Background(), model.WithdrawalApplicationStatusRejected, "audit:78:rejected", "huwaa", 42002, "COIN_SELLER_POINT", 2_000_000, shared.Actor{UserID: 90002}, "bad address", 78)
+	transactionID, err := svc.applyWalletDecision(context.Background(), model.WithdrawalApplicationStatusRejected, "audit:78:rejected", "huwaa", 42002, "COIN_SELLER_POINT", 2_000_000, 100_000, 1_900_000, 100_000, 500, shared.Actor{UserID: 90002}, "bad address", 78)
 	if err != nil {
 		t.Fatalf("apply point rejection failed: %v", err)
 	}
@@ -71,7 +73,7 @@ func TestApplyWalletDecisionKeepsLegacySalaryAssetsOnSalaryRPC(t *testing.T) {
 	wallet := &fakeAuditWalletClient{}
 	svc := &Service{wallet: wallet}
 
-	transactionID, err := svc.applyWalletDecision(context.Background(), model.WithdrawalApplicationStatusApproved, "audit:79:approved", "lalu", 42003, "HOST_SALARY_USD", 12_345, shared.Actor{UserID: 90003}, "", 79)
+	transactionID, err := svc.applyWalletDecision(context.Background(), model.WithdrawalApplicationStatusApproved, "audit:79:approved", "lalu", 42003, "HOST_SALARY_USD", 12_345, 0, 0, 0, 0, shared.Actor{UserID: 90003}, "", 79)
 	if err != nil {
 		t.Fatalf("apply salary approval failed: %v", err)
 	}

server/admin/internal/modules/pointwithdrawalconfig/dto.go

@@ -0,0 +1,26 @@
+package pointwithdrawalconfig
+
+type itemDTO struct {
+	AppCode             string   `json:"appCode"`
+	SellerUserID        string   `json:"sellerUserId"`
+	DisplayUserID       string   `json:"displayUserId"`
+	Nickname            string   `json:"nickname"`
+	Avatar              string   `json:"avatar"`
+	CountryName         string   `json:"countryName"`
+	SortOrder           int      `json:"sortOrder"`
+	PointAmount         int64    `json:"pointAmount"`
+	SellerCoinAmount    int64    `json:"sellerCoinAmount"`
+	ServiceCountryCodes []string `json:"serviceCountryCodes"`
+	Status              string   `json:"status"`
+	CreatedAtMS         int64    `json:"createdAtMs"`
+	UpdatedAtMS         int64    `json:"updatedAtMs"`
+}
+
+type upsertRequest struct {
+	SellerUserID        int64    `json:"sellerUserId" binding:"required"`
+	SortOrder           int      `json:"sortOrder"`
+	PointAmount         int64    `json:"pointAmount" binding:"required"`
+	SellerCoinAmount    int64    `json:"sellerCoinAmount" binding:"required"`
+	ServiceCountryCodes []string `json:"serviceCountryCodes"`
+	Status              string   `json:"status"`
+}

server/admin/internal/modules/pointwithdrawalconfig/handler.go

@@ -0,0 +1,66 @@
+package pointwithdrawalconfig
+
+import (
+	"database/sql"
+	"errors"
+	"strconv"
+	"strings"
+
+	"hyapp-admin-server/internal/appctx"
+	"hyapp-admin-server/internal/modules/shared"
+	"hyapp-admin-server/internal/response"
+
+	"github.com/gin-gonic/gin"
+)
+
+type Handler struct {
+	service *Service
+	audit   shared.OperationLogger
+}
+
+func New(walletDB *sql.DB, userDB *sql.DB, audit shared.OperationLogger) *Handler {
+	return &Handler{service: NewService(walletDB, userDB), audit: audit}
+}
+
+func (h *Handler) List(c *gin.Context) {
+	items, err := h.service.List(c.Request.Context(), appctx.FromContext(c.Request.Context()))
+	if err != nil {
+		response.ServerError(c, "获取币商提现白名单失败")
+		return
+	}
+	response.OK(c, map[string]any{"items": items})
+}
+
+func (h *Handler) Upsert(c *gin.Context) {
+	var req upsertRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		response.BadRequest(c, "币商提现配置参数不正确")
+		return
+	}
+	item, err := h.service.Upsert(c.Request.Context(), appctx.FromContext(c.Request.Context()), req, int64(shared.ActorFromContext(c).UserID))
+	if err != nil {
+		response.BadRequest(c, err.Error())
+		return
+	}
+	shared.OperationLogWithResourceID(c, h.audit, "point-withdrawal-coin-seller-upsert", "point_withdrawal_coin_seller_configs", item.AppCode+":"+item.SellerUserID, "success", "ratio="+strconv.FormatInt(item.PointAmount, 10)+":"+strconv.FormatInt(item.SellerCoinAmount, 10))
+	response.OK(c, item)
+}
+
+func (h *Handler) Delete(c *gin.Context) {
+	sellerUserID, err := strconv.ParseInt(strings.TrimSpace(c.Param("seller_user_id")), 10, 64)
+	if err != nil || sellerUserID <= 0 {
+		response.BadRequest(c, "币商 ID 不正确")
+		return
+	}
+	appCode := appctx.FromContext(c.Request.Context())
+	if err := h.service.Delete(c.Request.Context(), appCode, sellerUserID); err != nil {
+		if errors.Is(err, sql.ErrNoRows) {
+			response.NotFound(c, "配置不存在")
+			return
+		}
+		response.ServerError(c, "删除币商提现配置失败")
+		return
+	}
+	shared.OperationLogWithResourceID(c, h.audit, "point-withdrawal-coin-seller-delete", "point_withdrawal_coin_seller_configs", appCode+":"+strconv.FormatInt(sellerUserID, 10), "success", "")
+	response.OK(c, map[string]any{"deleted": true})
+}

server/admin/internal/modules/pointwithdrawalconfig/routes.go

@@ -0,0 +1,16 @@
+package pointwithdrawalconfig
+
+import (
+	"hyapp-admin-server/internal/middleware"
+
+	"github.com/gin-gonic/gin"
+)
+
+func RegisterRoutes(protected *gin.RouterGroup, h *Handler) {
+	if h == nil {
+		return
+	}
+	protected.GET("/admin/point-withdrawal/coin-sellers", middleware.RequirePermission("point-withdrawal-config:view"), h.List)
+	protected.PUT("/admin/point-withdrawal/coin-sellers", middleware.RequirePermission("point-withdrawal-config:update"), h.Upsert)
+	protected.DELETE("/admin/point-withdrawal/coin-sellers/:seller_user_id", middleware.RequirePermission("point-withdrawal-config:update"), h.Delete)
+}

server/admin/internal/modules/pointwithdrawalconfig/service.go

@@ -0,0 +1,201 @@
+package pointwithdrawalconfig
+
+import (
+	"context"
+	"database/sql"
+	"encoding/json"
+	"errors"
+	"fmt"
+	"sort"
+	"strconv"
+	"strings"
+	"time"
+)
+
+type Service struct {
+	walletDB *sql.DB
+	userDB   *sql.DB
+}
+
+func NewService(walletDB *sql.DB, userDB *sql.DB) *Service {
+	return &Service{walletDB: walletDB, userDB: userDB}
+}
+
+// List 按 app_code 读取同一套公共配置表，并补齐用户资料；孤儿配置仍返回，便于运营删除而不是静默隐藏。
+func (s *Service) List(ctx context.Context, appCode string) ([]itemDTO, error) {
+	if err := s.ensureSchema(ctx); err != nil {
+		return nil, err
+	}
+	rows, err := s.walletDB.QueryContext(ctx, `
+		SELECT app_code, seller_user_id, sort_order, point_amount, seller_coin_amount,
+		       service_country_codes, status, created_at_ms, updated_at_ms
+		FROM point_withdrawal_coin_seller_configs
+		WHERE app_code = ?
+		ORDER BY sort_order ASC, seller_user_id ASC`, normalizeAppCode(appCode))
+	if err != nil {
+		return nil, err
+	}
+	defer rows.Close()
+	items := make([]itemDTO, 0)
+	for rows.Next() {
+		var item itemDTO
+		var sellerUserID int64
+		var countriesJSON []byte
+		if err := rows.Scan(&item.AppCode, &sellerUserID, &item.SortOrder, &item.PointAmount, &item.SellerCoinAmount, &countriesJSON, &item.Status, &item.CreatedAtMS, &item.UpdatedAtMS); err != nil {
+			return nil, err
+		}
+		item.SellerUserID = strconv.FormatInt(sellerUserID, 10)
+		if err := json.Unmarshal(countriesJSON, &item.ServiceCountryCodes); err != nil {
+			return nil, fmt.Errorf("parse service countries for seller %d: %w", sellerUserID, err)
+		}
+		item.ServiceCountryCodes = normalizeCountries(item.ServiceCountryCodes)
+		displayUserID, nickname, avatar, countryName, lookupErr := s.lookupSeller(ctx, item.AppCode, sellerUserID, false)
+		if lookupErr != nil && !errors.Is(lookupErr, sql.ErrNoRows) {
+			return nil, lookupErr
+		}
+		item.DisplayUserID, item.Nickname, item.Avatar, item.CountryName = displayUserID, nickname, avatar, countryName
+		items = append(items, item)
+	}
+	return items, rows.Err()
+}
+
+// Upsert 在写白名单前验证同 App 的 active 币商身份，防止普通用户被配置成账务收款方。
+func (s *Service) Upsert(ctx context.Context, appCode string, req upsertRequest, adminID int64) (itemDTO, error) {
+	appCode = normalizeAppCode(appCode)
+	if req.SellerUserID <= 0 || req.PointAmount <= 0 || req.SellerCoinAmount <= 0 || req.SortOrder < 0 {
+		return itemDTO{}, errors.New("币商、排序和兑换比例必须是正数")
+	}
+	status := strings.ToLower(strings.TrimSpace(req.Status))
+	if status == "" {
+		status = "active"
+	}
+	if status != "active" && status != "disabled" {
+		return itemDTO{}, errors.New("状态只能是 active 或 disabled")
+	}
+	if _, _, _, _, err := s.lookupSeller(ctx, appCode, req.SellerUserID, true); err != nil {
+		return itemDTO{}, err
+	}
+	if err := s.ensureSchema(ctx); err != nil {
+		return itemDTO{}, err
+	}
+	countries := normalizeCountries(req.ServiceCountryCodes)
+	countriesJSON, err := json.Marshal(countries)
+	if err != nil {
+		return itemDTO{}, err
+	}
+	nowMS := time.Now().UTC().UnixMilli()
+	_, err = s.walletDB.ExecContext(ctx, `
+		INSERT INTO point_withdrawal_coin_seller_configs (
+		  app_code, seller_user_id, sort_order, point_amount, seller_coin_amount, service_country_codes,
+		  status, created_by_admin_id, updated_by_admin_id, created_at_ms, updated_at_ms
+		) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+		ON DUPLICATE KEY UPDATE
+		  sort_order = VALUES(sort_order), point_amount = VALUES(point_amount),
+		  seller_coin_amount = VALUES(seller_coin_amount), service_country_codes = VALUES(service_country_codes),
+		  status = VALUES(status), updated_by_admin_id = VALUES(updated_by_admin_id), updated_at_ms = VALUES(updated_at_ms)`,
+		appCode, req.SellerUserID, req.SortOrder, req.PointAmount, req.SellerCoinAmount, countriesJSON,
+		status, adminID, adminID, nowMS, nowMS)
+	if err != nil {
+		return itemDTO{}, err
+	}
+	return s.Get(ctx, appCode, req.SellerUserID)
+}
+
+func (s *Service) Get(ctx context.Context, appCode string, sellerUserID int64) (itemDTO, error) {
+	items, err := s.List(ctx, appCode)
+	if err != nil {
+		return itemDTO{}, err
+	}
+	needle := strconv.FormatInt(sellerUserID, 10)
+	for _, item := range items {
+		if item.SellerUserID == needle {
+			return item, nil
+		}
+	}
+	return itemDTO{}, sql.ErrNoRows
+}
+
+func (s *Service) Delete(ctx context.Context, appCode string, sellerUserID int64) error {
+	if sellerUserID <= 0 {
+		return errors.New("币商 ID 不正确")
+	}
+	if err := s.ensureSchema(ctx); err != nil {
+		return err
+	}
+	result, err := s.walletDB.ExecContext(ctx, `DELETE FROM point_withdrawal_coin_seller_configs WHERE app_code = ? AND seller_user_id = ?`, normalizeAppCode(appCode), sellerUserID)
+	if err != nil {
+		return err
+	}
+	affected, err := result.RowsAffected()
+	if err != nil {
+		return err
+	}
+	if affected == 0 {
+		return sql.ErrNoRows
+	}
+	return nil
+}
+
+func (s *Service) lookupSeller(ctx context.Context, appCode string, sellerUserID int64, requireActive bool) (displayUserID string, nickname string, avatar string, countryName string, err error) {
+	if s.userDB == nil {
+		return "", "", "", "", errors.New("user db is not configured")
+	}
+	query := `
+		SELECT COALESCE(u.current_display_user_id, ''), COALESCE(u.username, ''), COALESCE(u.avatar, ''),
+		       COALESCE(c.country_display_name, c.country_name, u.country, '')
+		FROM coin_seller_profiles csp
+		JOIN users u ON u.user_id = csp.user_id AND u.app_code = csp.app_code
+		LEFT JOIN countries c ON c.app_code = u.app_code AND c.country_code = u.country
+		WHERE csp.app_code = ? AND csp.user_id = ?`
+	if requireActive {
+		query += " AND csp.status = 'active' AND u.status = 'active'"
+	}
+	query += " LIMIT 1"
+	err = s.userDB.QueryRowContext(ctx, query, appCode, sellerUserID).Scan(&displayUserID, &nickname, &avatar, &countryName)
+	if errors.Is(err, sql.ErrNoRows) && requireActive {
+		return "", "", "", "", errors.New("目标用户不是当前 App 的启用币商")
+	}
+	return
+}
+
+func (s *Service) ensureSchema(ctx context.Context) error {
+	if s == nil || s.walletDB == nil {
+		return errors.New("wallet db is not configured")
+	}
+	_, err := s.walletDB.ExecContext(ctx, `
+		CREATE TABLE IF NOT EXISTS point_withdrawal_coin_seller_configs (
+		  app_code VARCHAR(32) NOT NULL, seller_user_id BIGINT NOT NULL, sort_order INT NOT NULL DEFAULT 0,
+		  point_amount BIGINT NOT NULL, seller_coin_amount BIGINT NOT NULL, service_country_codes JSON NOT NULL,
+		  status VARCHAR(24) NOT NULL DEFAULT 'active', created_by_admin_id BIGINT UNSIGNED NOT NULL DEFAULT 0,
+		  updated_by_admin_id BIGINT UNSIGNED NOT NULL DEFAULT 0, created_at_ms BIGINT NOT NULL, updated_at_ms BIGINT NOT NULL,
+		  PRIMARY KEY (app_code, seller_user_id),
+		  KEY idx_point_withdraw_seller_list (app_code, status, sort_order, seller_user_id)
+		) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='POINT 提现币商白名单与兑换比例'`)
+	return err
+}
+
+func normalizeCountries(values []string) []string {
+	seen := map[string]struct{}{}
+	out := make([]string, 0, len(values))
+	for _, value := range values {
+		value = strings.ToUpper(strings.TrimSpace(value))
+		if value == "" || len(value) > 16 {
+			continue
+		}
+		if _, exists := seen[value]; exists {
+			continue
+		}
+		seen[value] = struct{}{}
+		out = append(out, value)
+	}
+	sort.Strings(out)
+	return out
+}
+
+func normalizeAppCode(value string) string {
+	value = strings.ToLower(strings.TrimSpace(value))
+	if value == "" {
+		return "lalu"
+	}
+	return value
+}

server/admin/internal/modules/pointwithdrawalconfig/service_test.go

@@ -0,0 +1,23 @@
+package pointwithdrawalconfig
+
+import (
+	"reflect"
+	"testing"
+)
+
+func TestNormalizeCountriesCanonicalizesWhitelist(t *testing.T) {
+	got := normalizeCountries([]string{" sa ", "TR", "sa", "", "country-code-that-is-too-long"})
+	want := []string{"SA", "TR"}
+	if !reflect.DeepEqual(got, want) {
+		t.Fatalf("normalizeCountries() = %v, want %v", got, want)
+	}
+}
+
+func TestNormalizeAppCodeKeepsLegacyDefault(t *testing.T) {
+	if got := normalizeAppCode(""); got != "lalu" {
+		t.Fatalf("empty app code = %q, want lalu", got)
+	}
+	if got := normalizeAppCode(" FAMI "); got != "fami" {
+		t.Fatalf("Fami app code = %q, want fami", got)
+	}
+}

server/admin/internal/modules/policyconfig/service.go

@@ -10,6 +10,7 @@ import (
 	"strings"
 	"time"
 
+	mysqlDriver "github.com/go-sql-driver/mysql"
 	"hyapp-admin-server/internal/appctx"
 	"hyapp-admin-server/internal/integration/activityclient"
 	activityv1 "hyapp.local/api/proto/activity/v1"
@@ -64,6 +65,7 @@ type policyInstanceRow struct {
 
 type compiledPolicy struct {
 	HostPointRatioPPM   int64
+	AgencyPointRatioPPM int64
 	PointsPerUSD        int64
 	WithdrawFeeBPS      int64
 	TaskRewardAssetType string
@@ -496,12 +498,12 @@ func (s *Service) publishWalletRuntime(ctx context.Context, item policyInstanceR
 		if _, err := tx.ExecContext(ctx, `
 			INSERT INTO wallet_policy_instances (
 			  app_code, instance_code, template_code, template_version, region_id, status,
-			  effective_from_ms, effective_to_ms, host_point_asset_type, host_point_ratio_ppm,
+			  effective_from_ms, effective_to_ms, host_point_asset_type, host_point_ratio_ppm, agency_point_ratio_ppm,
 			  points_per_usd, withdraw_fee_bps, rule_json, published_by_admin_id,
 			  published_at_ms, created_at_ms, updated_at_ms
-			) VALUES (?, ?, ?, ?, ?, ?, ?, ?, 'POINT', ?, ?, ?, CAST(? AS JSON), ?, ?, ?, ?)`,
+			) VALUES (?, ?, ?, ?, ?, ?, ?, ?, 'POINT', ?, ?, ?, ?, CAST(? AS JSON), ?, ?, ?, ?)`,
 			item.AppCode, item.InstanceCode, item.TemplateCode, item.TemplateVersion, regionID, item.Status,
-			item.EffectiveFromMS, item.EffectiveToMS, compiled.HostPointRatioPPM, compiled.PointsPerUSD,
+			item.EffectiveFromMS, item.EffectiveToMS, compiled.HostPointRatioPPM, compiled.AgencyPointRatioPPM, compiled.PointsPerUSD,
 			compiled.WithdrawFeeBPS, string(compiled.RuleJSON), actorID, nowMS, nowMS, nowMS,
 		); err != nil {
 			return err
@@ -563,6 +565,7 @@ func ensureWalletPolicyRuntimeTable(ctx context.Context, db *sql.DB) error {
 		  effective_to_ms BIGINT NOT NULL DEFAULT 0 COMMENT '0 表示长期有效',
 		  host_point_asset_type VARCHAR(32) NOT NULL DEFAULT 'POINT' COMMENT '主播收益积分资产',
 		  host_point_ratio_ppm BIGINT NOT NULL DEFAULT 700000 COMMENT '有效付费礼物转 POINT 比例，ppm',
+		  agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT '有效付费礼物给 Agency owner 的 POINT 分成比例，ppm',
 		  points_per_usd BIGINT NOT NULL DEFAULT 100000 COMMENT 'POINT/USD 展示换算比例',
 		  withdraw_fee_bps INT NOT NULL DEFAULT 500 COMMENT '提现手续费 bps',
 		  rule_json JSON NOT NULL COMMENT '完整政策快照',
@@ -573,7 +576,19 @@ func ensureWalletPolicyRuntimeTable(ctx context.Context, db *sql.DB) error {
 		  PRIMARY KEY (app_code, instance_code, region_id),
 		  KEY idx_wallet_policy_active (app_code, region_id, status, effective_from_ms, effective_to_ms)
 		) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='钱包运行侧收益政策实例表'`)
-	return err
+	if err != nil {
+		return err
+	}
+	// 运行库可能是旧版本建表；幂等补列保证发布新策略时不会因列缺失中断。
+	if _, err := db.ExecContext(ctx, `ALTER TABLE wallet_policy_instances ADD COLUMN agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT '有效付费礼物给 Agency owner 的 POINT 分成比例，ppm' AFTER host_point_ratio_ppm`); err != nil && !isDuplicateColumnError(err) {
+		return err
+	}
+	return nil
+}
+
+func isDuplicateColumnError(err error) bool {
+	var mysqlErr *mysqlDriver.MySQLError
+	return errors.As(err, &mysqlErr) && mysqlErr.Number == 1060
 }
 
 func (s *Service) insertPublishItems(ctx context.Context, jobID uint64, appCode string, regionIDs []int64, activitySucceeded bool, nowMS int64) error {
@@ -635,11 +650,15 @@ func compilePolicy(raw json.RawMessage) (compiledPolicy, error) {
 	pointsPerUSD := int64FromJSON(decoded["points_per_usd"], 100000)
 	host, _ := decoded["host"].(map[string]any)
 	hostRatioPercent := floatFromJSON(host["point_ratio_percent"], 70)
+	agency, _ := decoded["agency"].(map[string]any)
+	// Agency 比例由跨 App 共用的策略模板显式配置；旧模板缺字段时保持 0，避免发布动作隐式改变存量 App 账务。
+	agencyRatioPercent := floatFromJSON(agency["point_ratio_percent"], 0)
 	withdrawFeeBPS := int64FromJSON(host["withdraw_fee_bps"], 500)
 	ratioPPM := int64(math.Round(hostRatioPercent * 10000))
+	agencyRatioPPM := int64(math.Round(agencyRatioPercent * 10000))
 	tasks, _ := decoded["tasks"].(map[string]any)
 	taskRewardAssetType := strings.ToUpper(strings.TrimSpace(stringFromJSON(tasks["reward_asset_type"], policyTaskRewardAssetCoin)))
-	if pointsPerUSD <= 0 || ratioPPM <= 0 || ratioPPM > 1000000 || withdrawFeeBPS < 0 || withdrawFeeBPS > 10000 {
+	if pointsPerUSD <= 0 || ratioPPM <= 0 || ratioPPM > 1000000 || agencyRatioPPM < 0 || agencyRatioPPM > 1000000 || ratioPPM+agencyRatioPPM > 1000000 || withdrawFeeBPS < 0 || withdrawFeeBPS > 10000 {
 		return compiledPolicy{}, errors.New("rule_json host point policy is invalid")
 	}
 	if taskRewardAssetType != policyTaskRewardAssetCoin && taskRewardAssetType != "POINT" {
@@ -647,6 +666,7 @@ func compilePolicy(raw json.RawMessage) (compiledPolicy, error) {
 	}
 	return compiledPolicy{
 		HostPointRatioPPM:   ratioPPM,
+		AgencyPointRatioPPM: agencyRatioPPM,
 		PointsPerUSD:        pointsPerUSD,
 		WithdrawFeeBPS:      withdrawFeeBPS,
 		TaskRewardAssetType: taskRewardAssetType,

server/admin/internal/modules/policyconfig/service_test.go

@@ -3,6 +3,7 @@ package policyconfig
 import (
 	"context"
 	"database/sql"
+	"encoding/json"
 	"testing"
 
 	"github.com/DATA-DOG/go-sqlmock"
@@ -60,6 +61,7 @@ func TestPublishRuntimeWritesWalletRowsAndActivityTaskRewardPolicy(t *testing.T)
 	}
 	compiled := compiledPolicy{
 		HostPointRatioPPM:   700000,
+		AgencyPointRatioPPM: 0,
 		PointsPerUSD:        100000,
 		WithdrawFeeBPS:      500,
 		TaskRewardAssetType: "POINT",
@@ -67,6 +69,7 @@ func TestPublishRuntimeWritesWalletRowsAndActivityTaskRewardPolicy(t *testing.T)
 	}
 
 	walletMock.ExpectExec(`(?s)CREATE TABLE IF NOT EXISTS wallet_policy_instances`).WillReturnResult(sqlmock.NewResult(0, 0))
+	walletMock.ExpectExec(`(?s)ALTER TABLE wallet_policy_instances ADD COLUMN agency_point_ratio_ppm`).WillReturnResult(sqlmock.NewResult(0, 0))
 	walletMock.ExpectBegin()
 	walletMock.ExpectExec(`DELETE FROM wallet_policy_instances WHERE app_code = \? AND instance_code = \?`).
 		WithArgs("huwaa", "huwaa-point-live").
@@ -83,6 +86,7 @@ func TestPublishRuntimeWritesWalletRowsAndActivityTaskRewardPolicy(t *testing.T)
 				int64(1700000000000),
 				int64(0),
 				int64(700000),
+				int64(0),
 				int64(100000),
 				int64(500),
 				string(compiled.RuleJSON),
@@ -147,6 +151,7 @@ func TestUpdateInstanceStatusSyncsWalletRuntimeAndActivityRuntime(t *testing.T)
 		WithArgs(policyStatusDisabled, uint(90002), sqlmock.AnyArg(), "huwaa", uint64(9)).
 		WillReturnResult(sqlmock.NewResult(0, 1))
 	walletMock.ExpectExec(`(?s)CREATE TABLE IF NOT EXISTS wallet_policy_instances`).WillReturnResult(sqlmock.NewResult(0, 0))
+	walletMock.ExpectExec(`(?s)ALTER TABLE wallet_policy_instances ADD COLUMN agency_point_ratio_ppm`).WillReturnResult(sqlmock.NewResult(0, 0))
 	walletMock.ExpectExec(`(?s)UPDATE wallet_policy_instances\s+SET status = \?, updated_at_ms = \?\s+WHERE app_code = \? AND instance_code = \?`).
 		WithArgs(policyStatusDisabled, sqlmock.AnyArg(), "huwaa", "huwaa-point-live").
 		WillReturnResult(sqlmock.NewResult(0, 1))
@@ -191,6 +196,24 @@ func TestUpdateInstanceStatusSyncsWalletRuntimeAndActivityRuntime(t *testing.T)
 	}
 }
 
+func TestCompilePolicyUsesExplicitAgencyRatioAndKeepsLegacyDefaultZero(t *testing.T) {
+	ruleJSON := json.RawMessage(`{"host":{"point_ratio_percent":70}}`)
+	fami, err := compilePolicy(ruleJSON)
+	if err != nil {
+		t.Fatalf("compile Fami policy failed: %v", err)
+	}
+	if fami.AgencyPointRatioPPM != 0 {
+		t.Fatalf("legacy policy without agency section must remain zero: %+v", fami)
+	}
+	configured, err := compilePolicy(json.RawMessage(`{"host":{"point_ratio_percent":70},"agency":{"point_ratio_percent":20}}`))
+	if err != nil {
+		t.Fatalf("compile configured policy failed: %v", err)
+	}
+	if configured.AgencyPointRatioPPM != 200000 {
+		t.Fatalf("configured agency ratio mismatch: %+v", configured)
+	}
+}
+
 type fakePolicyActivityClient struct {
 	activityclient.Client
 	last *activityv1.PublishTaskRewardPolicyRequest

server/admin/internal/router/router.go

@@ -37,6 +37,7 @@ import (
 	"hyapp-admin-server/internal/modules/menu"
 	"hyapp-admin-server/internal/modules/opscenter"
 	"hyapp-admin-server/internal/modules/payment"
+	"hyapp-admin-server/internal/modules/pointwithdrawalconfig"
 	"hyapp-admin-server/internal/modules/policyconfig"
 	"hyapp-admin-server/internal/modules/prettyid"
 	"hyapp-admin-server/internal/modules/rbac"
@@ -66,62 +67,63 @@ import (
 )
 
 type Handlers struct {
-	AdminUser            *adminuser.Handler
+	AdminUser             *adminuser.Handler
-	AgencyOpening        *agencyopening.Handler
+	AgencyOpening         *agencyopening.Handler
-	AchievementConfig    *achievementconfig.Handler
+	AchievementConfig     *achievementconfig.Handler
-	AppConfig            *appconfig.Handler
+	AppConfig             *appconfig.Handler
-	AppRegistry          *appregistry.Handler
+	AppRegistry           *appregistry.Handler
-	AppUser              *appuser.Handler
+	AppUser               *appuser.Handler
-	Audit                *audit.Handler
+	Audit                 *audit.Handler
-	Auth                 *authroutes.Handler
+	Auth                  *authroutes.Handler
-	CoinLedger           *coinledger.Handler
+	CoinLedger            *coinledger.Handler
-	CountryRegion        *countryregion.Handler
+	CountryRegion         *countryregion.Handler
-	CPRelation           *cprelation.Handler
+	CPRelation            *cprelation.Handler
-	CPWeeklyRank         *cpweeklyrank.Handler
+	CPWeeklyRank          *cpweeklyrank.Handler
-	CumulativeRecharge   *cumulativerechargereward.Handler
+	CumulativeRecharge    *cumulativerechargereward.Handler
-	DailyTask            *dailytask.Handler
+	DailyTask             *dailytask.Handler
-	Dashboard            *dashboard.Handler
+	Dashboard             *dashboard.Handler
-	Databi               *databi.Handler
+	Databi                *databi.Handler
-	FirstRechargeReward  *firstrechargereward.Handler
+	FirstRechargeReward   *firstrechargereward.Handler
-	FinanceApplication   *financeapplication.Handler
+	FinanceApplication    *financeapplication.Handler
-	FinanceOrder         *financeorder.Handler
+	FinanceOrder          *financeorder.Handler
-	FinanceWithdrawal    *financewithdrawal.Handler
+	FinanceWithdrawal     *financewithdrawal.Handler
-	FullServerNotice     *fullservernotice.Handler
+	FullServerNotice      *fullservernotice.Handler
-	Game                 *gamemanagement.Handler
+	Game                  *gamemanagement.Handler
-	GiftDiamond          *giftdiamond.Handler
+	GiftDiamond           *giftdiamond.Handler
-	Health               *health.Handler
+	Health                *health.Handler
-	HostAgencyPolicy     *hostagencypolicy.Handler
+	HostAgencyPolicy      *hostagencypolicy.Handler
-	HostOrg              *hostorg.Handler
+	HostOrg               *hostorg.Handler
-	HostSalarySettlement *hostsalarysettlement.Handler
+	HostSalarySettlement  *hostsalarysettlement.Handler
-	HostWithdrawal       *hostwithdrawal.Handler
+	HostWithdrawal        *hostwithdrawal.Handler
-	InviteActivityReward *inviteactivityreward.Handler
+	InviteActivityReward  *inviteactivityreward.Handler
-	Job                  *job.Handler
+	Job                   *job.Handler
-	LevelConfig          *levelconfig.Handler
+	LevelConfig           *levelconfig.Handler
-	Menu                 *menu.Handler
+	Menu                  *menu.Handler
-	OpsCenter            *opscenter.Handler
+	OpsCenter             *opscenter.Handler
-	Payment              *payment.Handler
+	Payment               *payment.Handler
-	PolicyConfig         *policyconfig.Handler
+	PolicyConfig          *policyconfig.Handler
-	PrettyID             *prettyid.Handler
+	PointWithdrawalConfig *pointwithdrawalconfig.Handler
-	RBAC                 *rbac.Handler
+	PrettyID              *prettyid.Handler
-	RedPacket            *redpacket.Handler
+	RBAC                  *rbac.Handler
-	Report               *reportmodule.Handler
+	RedPacket             *redpacket.Handler
-	RegistrationReward   *registrationreward.Handler
+	Report                *reportmodule.Handler
-	RegionBlock          *regionblock.Handler
+	RegistrationReward    *registrationreward.Handler
-	Resource             *resourcemodule.Handler
+	RegionBlock           *regionblock.Handler
-	RiskConfig           *riskconfig.Handler
+	Resource              *resourcemodule.Handler
-	RoomAdmin            *roomadmin.Handler
+	RiskConfig            *riskconfig.Handler
-	RoomRocket           *roomrocket.Handler
+	RoomAdmin             *roomadmin.Handler
-	RoomTurnoverReward   *roomturnoverreward.Handler
+	RoomRocket            *roomrocket.Handler
-	Search               *search.Handler
+	RoomTurnoverReward    *roomturnoverreward.Handler
-	SevenDayCheckIn      *sevendaycheckin.Handler
+	Search                *search.Handler
-	Team                 *team.Handler
+	SevenDayCheckIn       *sevendaycheckin.Handler
-	TeamSalaryPolicy     *teamsalarypolicy.Handler
+	Team                  *team.Handler
-	TeamSalarySettlement *teamsalarysettlement.Handler
+	TeamSalaryPolicy      *teamsalarypolicy.Handler
-	Upload               *upload.Handler
+	TeamSalarySettlement  *teamsalarysettlement.Handler
-	UserLeaderboard      *userleaderboard.Handler
+	Upload                *upload.Handler
-	VIPConfig            *vipconfig.Handler
+	UserLeaderboard       *userleaderboard.Handler
-	WeeklyStar           *weeklystar.Handler
+	VIPConfig             *vipconfig.Handler
-	Wheel                *wheel.Handler
+	WeeklyStar            *weeklystar.Handler
+	Wheel                 *wheel.Handler
 }
 
 func New(cfg config.Config, auth *service.AuthService, h Handlers) *gin.Engine {
@@ -176,6 +178,7 @@ func New(cfg config.Config, auth *service.AuthService, h Handlers) *gin.Engine {
 	audit.RegisterRoutes(protected, h.Audit)
 	payment.RegisterRoutes(protected, h.Payment)
 	policyconfig.RegisterRoutes(protected, h.PolicyConfig)
+	pointwithdrawalconfig.RegisterRoutes(protected, h.PointWithdrawalConfig)
 	prettyid.RegisterRoutes(protected, h.PrettyID)
 	job.RegisterRoutes(protected, h.Job)
 	levelconfig.RegisterRoutes(protected, h.LevelConfig)

server/admin/migrations/088_fami_guild_revenue_policy.sql

@@ -0,0 +1,66 @@
+SET NAMES utf8mb4 COLLATE utf8mb4_unicode_ci;
+
+SET @now_ms = CAST(UNIX_TIMESTAMP(UTC_TIMESTAMP(3)) * 1000 AS UNSIGNED);
+
+-- 收益策略模板是 Lalu/Huwaa/Fami 共用的产品配置入口。存量模板显式补 0，避免旧实例重发时产生新分成。
+UPDATE admin_policy_templates
+SET rule_json = JSON_SET(rule_json, '$.agency.point_ratio_percent', 0),
+    updated_at_ms = @now_ms
+WHERE template_code = 'first_google70000_coin_seller_92000_100000_v1'
+  AND template_version = 'v1'
+  AND JSON_EXTRACT(rule_json, '$.agency.point_ratio_percent') IS NULL;
+
+UPDATE admin_policy_template_versions
+SET rule_json = JSON_SET(rule_json, '$.agency.point_ratio_percent', 0),
+    updated_at_ms = @now_ms
+WHERE template_code = 'first_google70000_coin_seller_92000_100000_v1'
+  AND template_version = 'v1'
+  AND JSON_EXTRACT(rule_json, '$.agency.point_ratio_percent') IS NULL;
+
+-- Fami 从同一份公共政策结构派生独立模板，默认 20%；运营可在 Admin 编辑并发布，不需要改代码。
+INSERT INTO admin_policy_templates (
+  template_code, template_version, name, status, rule_json, description,
+  created_by_admin_id, updated_by_admin_id, created_at_ms, updated_at_ms
+)
+SELECT
+  'fami_guild_revenue_policy', 'v1', 'Fami 公会收益政策', 'active',
+  JSON_SET(rule_json, '$.agency.point_ratio_percent', 20),
+  'Fami 主播与 Agency POINT 收益政策；Agency 默认 20%，以发布后的运行快照为准。',
+  0, 0, @now_ms, @now_ms
+FROM admin_policy_templates
+WHERE template_code = 'first_google70000_coin_seller_92000_100000_v1' AND template_version = 'v1'
+ON DUPLICATE KEY UPDATE
+  name = VALUES(name),
+  status = VALUES(status),
+  description = VALUES(description),
+  updated_at_ms = @now_ms;
+
+INSERT INTO admin_policy_template_versions (
+  template_code, template_version, status, rule_json,
+  created_by_admin_id, updated_by_admin_id, created_at_ms, updated_at_ms
+)
+SELECT
+  template_code, template_version, status, rule_json,
+  created_by_admin_id, updated_by_admin_id, created_at_ms, updated_at_ms
+FROM admin_policy_templates
+WHERE template_code = 'fami_guild_revenue_policy' AND template_version = 'v1'
+ON DUPLICATE KEY UPDATE
+  status = VALUES(status),
+  rule_json = VALUES(rule_json),
+  updated_at_ms = @now_ms;
+
+INSERT INTO admin_policy_instances (
+  app_code, instance_code, template_code, template_version, region_scope, status,
+  effective_from_ms, effective_to_ms, publish_status, created_by_admin_id, updated_by_admin_id,
+  created_at_ms, updated_at_ms
+) VALUES (
+  'fami', 'fami_guild_revenue_policy', 'fami_guild_revenue_policy', 'v1',
+  'all_active_regions', 'active', @now_ms, 0, 'draft', 0, 0, @now_ms, @now_ms
+)
+ON DUPLICATE KEY UPDATE
+  template_code = VALUES(template_code),
+  template_version = VALUES(template_version),
+  region_scope = VALUES(region_scope),
+  status = VALUES(status),
+  effective_to_ms = VALUES(effective_to_ms),
+  updated_at_ms = @now_ms;

server/admin/migrations/089_point_withdrawal_coin_seller_config.sql

@@ -0,0 +1,33 @@
+SET NAMES utf8mb4 COLLATE utf8mb4_unicode_ci;
+
+-- 币商提现白名单是按当前后台 App 范围编辑的公共能力；不在表中复制 Who/Sofun 等固定开关，
+-- 新增 App 时复用 X-App-Code 作用域即可，避免每增加一套公会页面就增加一列。
+SET @now_ms = CAST(UNIX_TIMESTAMP(UTC_TIMESTAMP(3)) * 1000 AS UNSIGNED);
+
+INSERT INTO admin_permissions (name, code, kind, description, created_at_ms, updated_at_ms) VALUES
+  ('币商提现白名单查看', 'point-withdrawal-config:view', 'menu', '查看当前 App 的 POINT 提现币商、服务国家和兑换比例', @now_ms, @now_ms),
+  ('币商提现白名单编辑', 'point-withdrawal-config:update', 'button', '新增、编辑、禁用或删除当前 App 的 POINT 提现币商配置', @now_ms, @now_ms)
+ON DUPLICATE KEY UPDATE
+  name = VALUES(name), kind = VALUES(kind), description = VALUES(description), updated_at_ms = @now_ms;
+
+INSERT INTO admin_menus (parent_id, title, code, path, icon, permission_code, sort, visible, created_at_ms, updated_at_ms)
+SELECT parent.id, '币商提现白名单', 'host-org-point-withdrawal-config', '/host/point-withdrawal-config', 'wallet', 'point-withdrawal-config:view', 89, TRUE, @now_ms, @now_ms
+FROM admin_menus parent
+WHERE parent.code = 'host-org'
+ON DUPLICATE KEY UPDATE
+  parent_id = VALUES(parent_id), title = VALUES(title), path = VALUES(path), icon = VALUES(icon),
+  permission_code = VALUES(permission_code), sort = VALUES(sort), visible = VALUES(visible), updated_at_ms = @now_ms;
+
+INSERT IGNORE INTO admin_role_permissions (role_id, permission_id)
+SELECT role.id, permission.id
+FROM admin_roles role
+JOIN admin_permissions permission
+WHERE role.code IN ('platform-admin', 'ops-admin')
+  AND permission.code IN ('point-withdrawal-config:view', 'point-withdrawal-config:update');
+
+INSERT IGNORE INTO admin_role_permissions (role_id, permission_id)
+SELECT role.id, permission.id
+FROM admin_roles role
+JOIN admin_permissions permission
+WHERE role.code IN ('auditor', 'readonly')
+  AND permission.code = 'point-withdrawal-config:view';

server/admin/migrations/090_point_withdrawal_policy_snapshot.sql

@@ -0,0 +1,9 @@
+SET NAMES utf8mb4 COLLATE utf8mb4_unicode_ci;
+
+-- POINT 提现审核必须使用用户提交时的已发布政策快照；否则 Admin 后续修改汇率/手续费会让冻结、展示和审核扣款口径不一致。
+ALTER TABLE admin_user_withdrawal_applications
+  ADD COLUMN point_fee_amount BIGINT NOT NULL DEFAULT 0 COMMENT 'POINT 提现手续费积分快照' AFTER withdraw_amount_minor,
+  ADD COLUMN point_net_amount BIGINT NOT NULL DEFAULT 0 COMMENT 'POINT 提现预计到账积分快照' AFTER point_fee_amount,
+  ADD COLUMN points_per_usd BIGINT NOT NULL DEFAULT 100000 COMMENT 'POINT/USD 汇率快照' AFTER point_net_amount,
+  ADD COLUMN point_fee_bps INT NOT NULL DEFAULT 500 COMMENT 'POINT 提现手续费 bps 快照' AFTER points_per_usd,
+  ADD COLUMN point_policy_instance_code VARCHAR(96) NOT NULL DEFAULT '' COMMENT '已发布钱包政策实例快照' AFTER point_fee_bps;

services/gateway-service/internal/client/user_client.go

@@ -635,6 +635,14 @@ func (c *grpcUserHostClient) KickAgencyHost(ctx context.Context, req *userv1.Kic
 	return c.client.KickAgencyHost(ctx, req)
 }
 
+func (c *grpcUserHostClient) GetHostEngagementStats(ctx context.Context, req *userv1.GetHostEngagementStatsRequest) (*userv1.GetHostEngagementStatsResponse, error) {
+	return c.client.GetHostEngagementStats(ctx, req)
+}
+
+func (c *grpcUserHostClient) RecordPrivateMessageEvent(ctx context.Context, req *userv1.RecordPrivateMessageEventRequest) (*userv1.RecordPrivateMessageEventResponse, error) {
+	return c.client.RecordPrivateMessageEvent(ctx, req)
+}
+
 func (c *grpcUserHostAdminClient) CreateBDLeader(ctx context.Context, req *userv1.CreateBDLeaderRequest) (*userv1.CreateBDLeaderResponse, error) {
 	return c.client.CreateBDLeader(ctx, req)
 }

services/gateway-service/internal/client/wallet_client.go

@@ -99,6 +99,18 @@ func (c *grpcWalletClient) GetHostSalaryProgress(ctx context.Context, req *walle
 	return c.client.GetHostSalaryProgress(ctx, req)
 }
 
+func (c *grpcWalletClient) GetHostRevenueStats(ctx context.Context, req *walletv1.GetHostRevenueStatsRequest) (*walletv1.GetHostRevenueStatsResponse, error) {
+	return c.client.GetHostRevenueStats(ctx, req)
+}
+
+func (c *grpcWalletClient) GetAgencyPointShareStats(ctx context.Context, req *walletv1.GetAgencyPointShareStatsRequest) (*walletv1.GetAgencyPointShareStatsResponse, error) {
+	return c.client.GetAgencyPointShareStats(ctx, req)
+}
+
+func (c *grpcWalletClient) GetAgencyHostGiftStats(ctx context.Context, req *walletv1.GetAgencyHostGiftStatsRequest) (*walletv1.GetAgencyHostGiftStatsResponse, error) {
+	return c.client.GetAgencyHostGiftStats(ctx, req)
+}
+
 func (c *grpcWalletClient) GetTeamHostSalaryStats(ctx context.Context, req *walletv1.GetTeamHostSalaryStatsRequest) (*walletv1.GetTeamHostSalaryStatsResponse, error) {
 	return c.client.GetTeamHostSalaryStats(ctx, req)
 }
@@ -251,6 +263,18 @@ func (c *grpcWalletClient) TransferSalaryToCoinSeller(ctx context.Context, req *
 	return c.client.TransferSalaryToCoinSeller(ctx, req)
 }
 
+func (c *grpcWalletClient) ListPointWithdrawalCoinSellers(ctx context.Context, req *walletv1.ListPointWithdrawalCoinSellersRequest) (*walletv1.ListPointWithdrawalCoinSellersResponse, error) {
+	return c.client.ListPointWithdrawalCoinSellers(ctx, req)
+}
+
+func (c *grpcWalletClient) TransferPointToCoinSeller(ctx context.Context, req *walletv1.TransferPointToCoinSellerRequest) (*walletv1.TransferPointToCoinSellerResponse, error) {
+	return c.client.TransferPointToCoinSeller(ctx, req)
+}
+
+func (c *grpcWalletClient) GetPointWithdrawalConfig(ctx context.Context, req *walletv1.GetPointWithdrawalConfigRequest) (*walletv1.GetPointWithdrawalConfigResponse, error) {
+	return c.client.GetPointWithdrawalConfig(ctx, req)
+}
+
 func (c *grpcWalletClient) FreezeSalaryWithdrawal(ctx context.Context, req *walletv1.FreezeSalaryWithdrawalRequest) (*walletv1.FreezeSalaryWithdrawalResponse, error) {
 	return c.client.FreezeSalaryWithdrawal(ctx, req)
 }

services/gateway-service/internal/financewithdrawal/writer.go

@@ -25,6 +25,11 @@ type CreateApplicationCommand struct {
 	SalaryAssetType     string
 	WithdrawAmount      string
 	WithdrawAmountMinor int64
+	PointFeeAmount      int64
+	PointNetAmount      int64
+	PointsPerUSD        int64
+	PointFeeBPS         int32
+	PointPolicyInstance string
 	WithdrawMethod      string
 	WithdrawAddress     string
 	FreezeCommandID     string
@@ -40,6 +45,11 @@ type Application struct {
 	SalaryAssetType     string
 	WithdrawAmount      string
 	WithdrawAmountMinor int64
+	PointFeeAmount      int64
+	PointNetAmount      int64
+	PointsPerUSD        int64
+	PointFeeBPS         int32
+	PointPolicyInstance string
 	WithdrawMethod      string
 	WithdrawAddress     string
 	FreezeCommandID     string
@@ -106,14 +116,21 @@ func (w *MySQLWriter) CreateApplication(ctx context.Context, command CreateAppli
 
 	result, err := w.db.ExecContext(ctx, `
 INSERT INTO admin_user_withdrawal_applications
-	(app_code, user_id, salary_asset_type, withdraw_amount, withdraw_amount_minor, withdraw_method, withdraw_address, freeze_command_id, freeze_transaction_id, status, created_at_ms, updated_at_ms)
+	(app_code, user_id, salary_asset_type, withdraw_amount, withdraw_amount_minor,
+	 point_fee_amount, point_net_amount, points_per_usd, point_fee_bps, point_policy_instance_code,
+	 withdraw_method, withdraw_address, freeze_command_id, freeze_transaction_id, status, created_at_ms, updated_at_ms)
 VALUES
-	(?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`,
+	(?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`,
 		command.AppCode,
 		formatUserID(command.UserID),
 		command.SalaryAssetType,
 		command.WithdrawAmount,
 		command.WithdrawAmountMinor,
+		command.PointFeeAmount,
+		command.PointNetAmount,
+		command.PointsPerUSD,
+		command.PointFeeBPS,
+		command.PointPolicyInstance,
 		command.WithdrawMethod,
 		command.WithdrawAddress,
 		command.FreezeCommandID,
@@ -144,6 +161,11 @@ VALUES
 		SalaryAssetType:     command.SalaryAssetType,
 		WithdrawAmount:      command.WithdrawAmount,
 		WithdrawAmountMinor: command.WithdrawAmountMinor,
+		PointFeeAmount:      command.PointFeeAmount,
+		PointNetAmount:      command.PointNetAmount,
+		PointsPerUSD:        command.PointsPerUSD,
+		PointFeeBPS:         command.PointFeeBPS,
+		PointPolicyInstance: command.PointPolicyInstance,
 		WithdrawMethod:      command.WithdrawMethod,
 		WithdrawAddress:     command.WithdrawAddress,
 		FreezeCommandID:     command.FreezeCommandID,
@@ -157,6 +179,7 @@ VALUES
 func (w *MySQLWriter) getApplicationByFreezeCommand(ctx context.Context, appCode string, freezeCommandID string) (Application, bool, error) {
 	row := w.db.QueryRowContext(ctx, `
 SELECT id, app_code, user_id, salary_asset_type, withdraw_amount, withdraw_amount_minor,
+	   point_fee_amount, point_net_amount, points_per_usd, point_fee_bps, point_policy_instance_code,
        withdraw_method, withdraw_address, freeze_command_id, freeze_transaction_id,
        status, created_at_ms, updated_at_ms
 FROM admin_user_withdrawal_applications
@@ -171,6 +194,11 @@ LIMIT 1`, appCode, freezeCommandID)
 		&item.SalaryAssetType,
 		&item.WithdrawAmount,
 		&item.WithdrawAmountMinor,
+		&item.PointFeeAmount,
+		&item.PointNetAmount,
+		&item.PointsPerUSD,
+		&item.PointFeeBPS,
+		&item.PointPolicyInstance,
 		&item.WithdrawMethod,
 		&item.WithdrawAddress,
 		&item.FreezeCommandID,
@@ -205,6 +233,7 @@ func normalizeCreateApplicationCommand(command CreateApplicationCommand) CreateA
 	command.WithdrawAddress = strings.TrimSpace(command.WithdrawAddress)
 	command.FreezeCommandID = strings.TrimSpace(command.FreezeCommandID)
 	command.FreezeTransactionID = strings.TrimSpace(command.FreezeTransactionID)
+	command.PointPolicyInstance = strings.TrimSpace(command.PointPolicyInstance)
 	if command.WithdrawMethod == "" {
 		command.WithdrawMethod = MethodUSDTTRC20
 	}
@@ -234,6 +263,12 @@ func validateCreateApplicationCommand(command CreateApplicationCommand) error {
 	case command.CreatedAtMS <= 0:
 		return errors.New("created_at_ms is required")
 	default:
+		if command.SalaryAssetType == "POINT" || command.SalaryAssetType == "COIN_SELLER_POINT" {
+			// POINT 的政策快照会被财务审核原样复用；写入前先验证内部一致性，避免冻结成功但审核无法结算。
+			if command.PointsPerUSD <= 0 || command.PointFeeBPS < 0 || command.PointFeeBPS > 10000 || command.PointFeeAmount < 0 || command.PointNetAmount < 0 || command.PointFeeAmount+command.PointNetAmount != command.WithdrawAmountMinor || command.PointFeeAmount != command.WithdrawAmountMinor*int64(command.PointFeeBPS)/10000 {
+				return errors.New("point withdrawal policy snapshot is invalid")
+			}
+		}
 		return nil
 	}
 }

services/gateway-service/internal/financewithdrawal/writer_test.go

@@ -39,6 +39,11 @@ func TestCreateApplicationReturnsExistingByAppAndFreezeCommand(t *testing.T) {
 			"POINT",
 			"9.50",
 			int64(1000000),
+			int64(50000),
+			int64(950000),
+			int64(100000),
+			int32(500),
+			"huwaa-policy-v1",
 			MethodUSDTTRC20,
 			"TQY9pFbZHuR4fUN9WgXPYj5nmB6nQiLQfF",
 			"cmd-point-freeze",
@@ -54,6 +59,11 @@ func TestCreateApplicationReturnsExistingByAppAndFreezeCommand(t *testing.T) {
 		SalaryAssetType:     "POINT",
 		WithdrawAmount:      "9.50",
 		WithdrawAmountMinor: 1_000_000,
+		PointFeeAmount:      50_000,
+		PointNetAmount:      950_000,
+		PointsPerUSD:        100_000,
+		PointFeeBPS:         500,
+		PointPolicyInstance: "huwaa-policy-v1",
 		WithdrawMethod:      MethodUSDTTRC20,
 		WithdrawAddress:     "TQY9pFbZHuR4fUN9WgXPYj5nmB6nQiLQfF",
 		FreezeCommandID:     "cmd-point-freeze",
@@ -86,6 +96,11 @@ func TestCreateApplicationInsertsAfterAppScopedMiss(t *testing.T) {
 			"POINT",
 			"9.50",
 			int64(1000000),
+			int64(50000),
+			int64(950000),
+			int64(100000),
+			int32(500),
+			"huwaa-policy-v1",
 			MethodUSDTTRC20,
 			"TQY9pFbZHuR4fUN9WgXPYj5nmB6nQiLQfF",
 			"cmd-point-freeze",
@@ -102,6 +117,11 @@ func TestCreateApplicationInsertsAfterAppScopedMiss(t *testing.T) {
 		SalaryAssetType:     "point",
 		WithdrawAmount:      "9.50",
 		WithdrawAmountMinor: 1_000_000,
+		PointFeeAmount:      50_000,
+		PointNetAmount:      950_000,
+		PointsPerUSD:        100_000,
+		PointFeeBPS:         500,
+		PointPolicyInstance: "huwaa-policy-v1",
 		WithdrawAddress:     "TQY9pFbZHuR4fUN9WgXPYj5nmB6nQiLQfF",
 		FreezeCommandID:     "cmd-point-freeze",
 		FreezeTransactionID: "tx-freeze",
@@ -126,6 +146,11 @@ func withdrawalApplicationRows() *sqlmock.Rows {
 		"salary_asset_type",
 		"withdraw_amount",
 		"withdraw_amount_minor",
+		"point_fee_amount",
+		"point_net_amount",
+		"points_per_usd",
+		"point_fee_bps",
+		"point_policy_instance_code",
 		"withdraw_method",
 		"withdraw_address",
 		"freeze_command_id",

services/gateway-service/internal/transport/http/callbackapi/handler.go

@@ -28,6 +28,7 @@ type Handler struct {
 	roomClient        client.RoomClient
 	roomGuardClient   client.RoomGuardClient
 	userProfileClient client.UserProfileClient
+	userHostClient    client.UserHostClient
 	tencentIM         TencentIMConfig
 	tencentRTC        TencentRTCConfig
 }
@@ -36,6 +37,7 @@ type Config struct {
 	RoomClient        client.RoomClient
 	RoomGuardClient   client.RoomGuardClient
 	UserProfileClient client.UserProfileClient
+	UserHostClient    client.UserHostClient
 	TencentIM         TencentIMConfig
 	TencentRTC        TencentRTCConfig
 }
@@ -45,6 +47,7 @@ func New(config Config) *Handler {
 		roomClient:        config.RoomClient,
 		roomGuardClient:   config.RoomGuardClient,
 		userProfileClient: config.UserProfileClient,
+		userHostClient:    config.UserHostClient,
 		tencentIM:         config.TencentIM,
 		tencentRTC:        config.TencentRTC,
 	}

services/gateway-service/internal/transport/http/callbackapi/tencent_im_callback.go

@@ -1,9 +1,12 @@
 package callbackapi
 
 import (
+	"context"
 	"encoding/json"
+	"fmt"
 	"hyapp/services/gateway-service/internal/transport/http/httpkit"
 	"io"
+	"log/slog"
 	"net/http"
 	"strconv"
 	"strings"
@@ -18,6 +21,7 @@ import (
 const (
 	tencentCallbackJoinGroup = "Group.CallbackBeforeApplyJoinGroup"
 	tencentCallbackSendMsg   = "Group.CallbackBeforeSendMsg"
+	tencentCallbackC2CSent   = "C2C.CallbackAfterSendMsg"
 )
 
 // tencentIMCallbackBody 覆盖本阶段需要处理的腾讯云 IM 群回调字段。
@@ -28,6 +32,11 @@ type tencentIMCallbackBody struct {
 	Requestor       string `json:"Requestor_Account"`
 	FromAccount     string `json:"From_Account"`
 	OperatorAccount string `json:"Operator_Account"`
+	ToAccount       string `json:"To_Account"`
+	MsgKey          string `json:"MsgKey"`
+	MsgSeq          int64  `json:"MsgSeq"`
+	MsgRandom       int64  `json:"MsgRandom"`
+	MsgTime         int64  `json:"MsgTime"`
 }
 
 // tencentIMCallbackResponse 是腾讯云 IM 回调要求的原生响应结构。
@@ -86,11 +95,60 @@ func (h *Handler) handleTencentIMCallback(writer http.ResponseWriter, request *h
 		h.handleTencentIMJoinCallback(writer, request, body)
 	case tencentCallbackSendMsg:
 		h.handleTencentIMSendCallback(writer, request, body)
+	case tencentCallbackC2CSent:
+		h.handleTencentIMC2CSentCallback(writer, request, body)
 	default:
 		writeTencentCallback(writer, http.StatusOK, 0, "")
 	}
 }
 
+func (h *Handler) handleTencentIMC2CSentCallback(writer http.ResponseWriter, request *http.Request, body tencentIMCallbackBody) {
+	// 服务端系统通知不属于主播“收到私信的人数”，否则批量余额/VIP 通知会污染运营指标。
+	if h.tencentIMCallbackSenderIsServer(body) {
+		writeTencentCallback(writer, http.StatusOK, 0, "")
+		return
+	}
+	senderUserID, senderOK := parseTencentIMUserID(body.FromAccount)
+	targetUserID, targetOK := parseTencentIMUserID(body.ToAccount)
+	callbackAppCode := appcode.Normalize(request.URL.Query().Get("app_code"))
+	if callbackAppCode == "" {
+		callbackAppCode = appcode.FromContext(request.Context())
+	}
+	recorder, recorderOK := h.userHostClient.(interface {
+		RecordPrivateMessageEvent(context.Context, *userv1.RecordPrivateMessageEventRequest) (*userv1.RecordPrivateMessageEventResponse, error)
+	})
+	if !senderOK || !targetOK || senderUserID == targetUserID || !recorderOK {
+		// 统计旁路不能阻断用户已经发送成功的私信；缺配置只记告警，腾讯仍收到成功响应。
+		slog.Warn("tencent_im_private_message_stats_skipped", "app_code", callbackAppCode, "from", body.FromAccount, "to", body.ToAccount)
+		writeTencentCallback(writer, http.StatusOK, 0, "")
+		return
+	}
+	occurredAtMS := body.MsgTime * 1000
+	if occurredAtMS <= 0 {
+		occurredAtMS = time.Now().UTC().UnixMilli()
+	}
+	eventID := strings.TrimSpace(body.MsgKey)
+	if eventID == "" {
+		eventID = fmt.Sprintf("c2c:%d:%d:%d:%d:%d", senderUserID, targetUserID, body.MsgSeq, body.MsgRandom, occurredAtMS)
+	}
+	_, err := recorder.RecordPrivateMessageEvent(appcode.WithContext(request.Context(), callbackAppCode), &userv1.RecordPrivateMessageEventRequest{
+		Meta: &userv1.RequestMeta{
+			RequestId: httpkit.RequestIDFromContext(request.Context()),
+			Caller:    "gateway-service",
+			SentAtMs:  time.Now().UTC().UnixMilli(),
+			AppCode:   callbackAppCode,
+		},
+		EventId:      eventID,
+		SenderUserId: senderUserID,
+		TargetUserId: targetUserID,
+		OccurredAtMs: occurredAtMS,
+	})
+	if err != nil {
+		slog.Warn("tencent_im_private_message_stats_failed", "app_code", callbackAppCode, "event_id", eventID, "error", err)
+	}
+	writeTencentCallback(writer, http.StatusOK, 0, "")
+}
+
 func (h *Handler) handleTencentIMJoinCallback(writer http.ResponseWriter, request *http.Request, body tencentIMCallbackBody) {
 	parsed := imgroup.ParseWithPrefix(body.GroupID, h.tencentIM.GroupIDPrefix)
 	userID, ok := parseTencentIMUserID(body.Requestor)
@@ -294,7 +352,7 @@ func resolveTencentIMCallbackCommand(queryCommand string, bodyCommand string) (s
 }
 
 func knownTencentIMCallback(command string) bool {
-	return command == tencentCallbackJoinGroup || command == tencentCallbackSendMsg
+	return command == tencentCallbackJoinGroup || command == tencentCallbackSendMsg || command == tencentCallbackC2CSent
 }
 
 func parseTencentIMUserID(value string) (int64, bool) {

services/gateway-service/internal/transport/http/httproutes/router.go

@@ -90,8 +90,10 @@ type UserHandlers struct {
 	ListAgencyRooms               http.HandlerFunc
 	UpdateAgencyProfile           http.HandlerFunc
 	GetHostCenterAgency           http.HandlerFunc
+	GetHostCenterStats            http.HandlerFunc
 	GetHostCenterPlatformPolicy   http.HandlerFunc
 	GetAgencyCenterOverview       http.HandlerFunc
+	GetAgencyCenterStats          http.HandlerFunc
 	GetAgencyCenterPlatformPolicy http.HandlerFunc
 	ListAgencyCenterHosts         http.HandlerFunc
 	ListAgencyCenterApplications  http.HandlerFunc
@@ -104,6 +106,7 @@ type UserHandlers struct {
 	InviteBDLeaderBD              http.HandlerFunc
 	InviteBDLeaderAgency          http.HandlerFunc
 	GetBDCenterOverview           http.HandlerFunc
+	GetBDCenterStats              http.HandlerFunc
 	ListBDCenterAgencies          http.HandlerFunc
 	InviteBDAgency                http.HandlerFunc
 	ListMyRoleInvitations         http.HandlerFunc
@@ -287,6 +290,7 @@ type WalletHandlers struct {
 	WithdrawSalaryWallet              http.HandlerFunc
 	GetPointWalletOverview            http.HandlerFunc
 	WithdrawPointWallet               http.HandlerFunc
+	TransferPointWalletToCoinSeller   http.HandlerFunc
 	GetRedPacketConfig                http.HandlerFunc
 	ListRoomRedPackets                http.HandlerFunc
 	CreateRoomRedPacket               http.HandlerFunc
@@ -470,8 +474,10 @@ func (r routes) registerUserRoutes() {
 	r.profile("/agencies/rooms", http.MethodGet, h.ListAgencyRooms)
 	r.profile("/agencies/profile/update", http.MethodPost, h.UpdateAgencyProfile)
 	r.profile("/host-center/agency", http.MethodGet, h.GetHostCenterAgency)
+	r.profile("/host-center/stats", http.MethodGet, h.GetHostCenterStats)
 	r.profile("/host-center/platform-policy", http.MethodGet, h.GetHostCenterPlatformPolicy)
 	r.profile("/agency-center/overview", http.MethodGet, h.GetAgencyCenterOverview)
+	r.profile("/agency-center/stats", http.MethodGet, h.GetAgencyCenterStats)
 	r.profile("/agency-center/platform-policy", http.MethodGet, h.GetAgencyCenterPlatformPolicy)
 	r.profile("/agency-center/hosts", http.MethodGet, h.ListAgencyCenterHosts)
 	r.profile("/agency-center/applications", http.MethodGet, h.ListAgencyCenterApplications)
@@ -484,6 +490,7 @@ func (r routes) registerUserRoutes() {
 	r.profile("/bd-leader/invitations/bd", http.MethodPost, h.InviteBDLeaderBD)
 	r.profile("/bd-leader/invitations/agency", http.MethodPost, h.InviteBDLeaderAgency)
 	r.profile("/bd-center/overview", http.MethodGet, h.GetBDCenterOverview)
+	r.profile("/bd-center/stats", http.MethodGet, h.GetBDCenterStats)
 	r.profile("/bd-center/agencies", http.MethodGet, h.ListBDCenterAgencies)
 	r.profile("/bd/invitations/agency", http.MethodPost, h.InviteBDAgency)
 	r.profile("/role-invitations", http.MethodGet, h.ListMyRoleInvitations)
@@ -690,6 +697,7 @@ func (r routes) registerWalletRoutes() {
 	r.profile("/salary-wallet/withdraw", http.MethodPost, h.WithdrawSalaryWallet)
 	r.profile("/point-wallet/overview", http.MethodGet, h.GetPointWalletOverview)
 	r.profile("/point-wallet/withdraw", http.MethodPost, h.WithdrawPointWallet)
+	r.profile("/point-wallet/transfer-to-coin-seller", http.MethodPost, h.TransferPointWalletToCoinSeller)
 	r.profile("/red-packets/config", http.MethodGet, h.GetRedPacketConfig)
 	r.profile("/rooms/{room_id}/red-packets", http.MethodGet, h.ListRoomRedPackets)
 	r.profile("/rooms/{room_id}/red-packets/create", http.MethodPost, h.CreateRoomRedPacket)

services/gateway-service/internal/transport/http/router.go

@@ -134,6 +134,7 @@ func (h *Handler) Routes(jwtVerifier *auth.Verifier) http.Handler {
 		RoomClient:        h.roomClient,
 		RoomGuardClient:   h.roomGuardClient,
 		UserProfileClient: h.userProfileClient,
+		UserHostClient:    h.userHostClient,
 		TencentIM: callbackapi.TencentIMConfig{
 			SDKAppID:          h.tencentIM.SDKAppID,
 			AdminIdentifier:   h.tencentIM.AdminIdentifier,

services/gateway-service/internal/transport/http/userapi/agency_center_handler.go

@@ -33,6 +33,7 @@ type agencyCenterUserData struct {
 	DisplayUserID string `json:"display_user_id"`
 	Username      string `json:"username"`
 	Avatar        string `json:"avatar,omitempty"`
+	Country       string `json:"country,omitempty"`
 }
 
 type agencyCenterHostData struct {
@@ -465,6 +466,7 @@ func agencyCenterUserFromProto(user *userv1.User) agencyCenterUserData {
 		DisplayUserID: user.GetDisplayUserId(),
 		Username:      user.GetUsername(),
 		Avatar:        user.GetAvatar(),
+		Country:       firstBDLeaderNonBlank(user.GetCountryDisplayName(), user.GetCountryName(), user.GetCountry()),
 	}
 }
 

services/gateway-service/internal/transport/http/userapi/agency_center_stats_handler.go

@@ -0,0 +1,165 @@
+package userapi
+
+import (
+	"context"
+	"net/http"
+	"sync"
+
+	userv1 "hyapp.local/api/proto/user/v1"
+	walletv1 "hyapp.local/api/proto/wallet/v1"
+	"hyapp/pkg/appcode"
+	"hyapp/services/gateway-service/internal/transport/http/httpkit"
+)
+
+type agencyRevenueStatsClient interface {
+	GetHostRevenueStats(context.Context, *walletv1.GetHostRevenueStatsRequest) (*walletv1.GetHostRevenueStatsResponse, error)
+	GetAgencyPointShareStats(context.Context, *walletv1.GetAgencyPointShareStatsRequest) (*walletv1.GetAgencyPointShareStatsResponse, error)
+	GetAgencyHostGiftStats(context.Context, *walletv1.GetAgencyHostGiftStatsRequest) (*walletv1.GetAgencyHostGiftStatsResponse, error)
+}
+
+type agencyCenterStatsSummaryData struct {
+	TotalEarnings   int64 `json:"total_earnings"`
+	GiftIncome      int64 `json:"gift_income"`
+	ShareIncome     int64 `json:"share_income"`
+	TotalHosts      int   `json:"total_hosts"`
+	GiftedHostCount int64 `json:"gifted_host_count"`
+}
+
+type agencyCenterHostStatsData struct {
+	MembershipID       string `json:"membership_id"`
+	HostUserID         string `json:"host_user_id"`
+	DisplayUserID      string `json:"display_user_id"`
+	Username           string `json:"username"`
+	Avatar             string `json:"avatar,omitempty"`
+	JoinedAtMS         int64  `json:"joined_at_ms"`
+	DiamondEarnings    int64  `json:"diamond_earnings"`
+	DiamondExchanged   int64  `json:"diamond_exchanged"`
+	GiftSenders        int64  `json:"gift_senders"`
+	OnlineDurationMS   int64  `json:"online_duration_ms"`
+	ValidMicDurationMS int64  `json:"valid_mic_duration_ms"`
+	ValidMicDays       int64  `json:"valid_mic_days"`
+	Removable          bool   `json:"removable"`
+}
+
+// getAgencyCenterStats 只做跨 owner 编排：成员关系/互动来自 user-service，金额和分成来自 wallet-service。
+// 每个主播的两次 RPC 使用有界并发，避免大公会串行超时，也避免无上限 goroutine 压垮下游。
+func (h *Handler) getAgencyCenterStats(writer http.ResponseWriter, request *http.Request) {
+	agency, ok := h.resolveCurrentOwnerAgency(writer, request)
+	if !ok {
+		return
+	}
+	revenueClient, revenueOK := h.walletClient.(agencyRevenueStatsClient)
+	engagementClient, engagementOK := h.userHostClient.(hostEngagementStatsClient)
+	if !revenueOK || !engagementOK {
+		httpkit.WriteError(writer, request, http.StatusBadGateway, httpkit.CodeUpstreamError, "upstream service error")
+		return
+	}
+	startDate, endDate, startAtMS, endAtMS, ok := parseHostCenterStatsRange(request)
+	if !ok {
+		httpkit.WriteError(writer, request, http.StatusBadRequest, httpkit.CodeInvalidArgument, "invalid date range")
+		return
+	}
+
+	membersResp, err := h.userHostClient.GetAgencyMembers(request.Context(), &userv1.GetAgencyMembersRequest{
+		Meta: httpkit.UserMeta(request, ""), AgencyId: agency.GetAgencyId(), Status: membershipStatusActive,
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	memberships := make([]*userv1.AgencyMembership, 0, len(membersResp.GetMemberships()))
+	userIDs := make([]int64, 0, len(membersResp.GetMemberships()))
+	for _, membership := range membersResp.GetMemberships() {
+		memberships = append(memberships, membership)
+		userIDs = append(userIDs, membership.GetHostUserId())
+	}
+	profiles, err := h.userProfiles(request, userIDs)
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	requestID := httpkit.RequestIDFromContext(request.Context())
+	appCode := appcode.FromContext(request.Context())
+	shareResp, err := revenueClient.GetAgencyPointShareStats(request.Context(), &walletv1.GetAgencyPointShareStatsRequest{
+		RequestId: requestID, AppCode: appCode, AgencyOwnerUserId: agency.GetOwnerUserId(), StartAtMs: startAtMS, EndAtMs: endAtMS,
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	giftResp, err := revenueClient.GetAgencyHostGiftStats(request.Context(), &walletv1.GetAgencyHostGiftStatsRequest{
+		RequestId: requestID, AppCode: appCode, HostUserIds: userIDs, StartAtMs: startAtMS, EndAtMs: endAtMS,
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+
+	items := make([]agencyCenterHostStatsData, len(memberships))
+	ctx, cancel := context.WithCancel(request.Context())
+	defer cancel()
+	semaphore := make(chan struct{}, 8)
+	var wait sync.WaitGroup
+	var firstErr error
+	var errorMu sync.Mutex
+	for index, membership := range memberships {
+		index, membership := index, membership
+		wait.Add(1)
+		go func() {
+			defer wait.Done()
+			semaphore <- struct{}{}
+			defer func() { <-semaphore }()
+			revenue, callErr := revenueClient.GetHostRevenueStats(ctx, &walletv1.GetHostRevenueStatsRequest{
+				RequestId: requestID, AppCode: appCode, HostUserId: membership.GetHostUserId(), StartAtMs: startAtMS, EndAtMs: endAtMS,
+			})
+			if callErr == nil {
+				var engagement *userv1.GetHostEngagementStatsResponse
+				engagement, callErr = engagementClient.GetHostEngagementStats(ctx, &userv1.GetHostEngagementStatsRequest{
+					Meta: httpkit.UserMeta(request, ""), HostUserId: membership.GetHostUserId(), StartAtMs: startAtMS, EndAtMs: endAtMS,
+				})
+				if callErr == nil {
+					profile := profiles[membership.GetHostUserId()]
+					items[index] = agencyCenterHostStatsData{
+						MembershipID: int64String(membership.GetMembershipId()), HostUserID: int64String(membership.GetHostUserId()),
+						DisplayUserID: profile.DisplayUserID, Username: profile.Username, Avatar: profile.Avatar, JoinedAtMS: membership.GetJoinedAtMs(),
+						DiamondEarnings: revenue.GetStats().GetDiamondEarnings(), DiamondExchanged: revenue.GetStats().GetDiamondExchanged(), GiftSenders: revenue.GetStats().GetGiftSenders(),
+						OnlineDurationMS: engagement.GetStats().GetOnlineDurationMs(), ValidMicDurationMS: engagement.GetStats().GetValidMicDurationMs(), ValidMicDays: engagement.GetStats().GetValidMicDays(),
+						Removable: membership.GetHostUserId() != agency.GetOwnerUserId() && membership.GetMembershipType() != membershipTypeOwner,
+					}
+				}
+			}
+			if callErr != nil {
+				errorMu.Lock()
+				if firstErr == nil {
+					firstErr = callErr
+					cancel()
+				}
+				errorMu.Unlock()
+			}
+		}()
+	}
+	wait.Wait()
+	if firstErr != nil {
+		httpkit.WriteRPCError(writer, request, firstErr)
+		return
+	}
+	shareIncome := shareResp.GetStats().GetShareIncome()
+	// 公会长同时是主播时，其 POINT 流水包含 Agency 分成；主播行只展示个人收益，必须扣除同区间分成。
+	for index := range items {
+		if items[index].HostUserID == int64String(agency.GetOwnerUserId()) {
+			items[index].DiamondEarnings -= shareIncome
+			if items[index].DiamondEarnings < 0 {
+				items[index].DiamondEarnings = 0
+			}
+		}
+	}
+	giftIncome := giftResp.GetStats().GetGiftIncome()
+	httpkit.WriteOK(writer, request, map[string]any{
+		"range": hostCenterStatsRangeData{StartDate: startDate, EndDate: endDate, Timezone: "UTC"},
+		"summary": agencyCenterStatsSummaryData{
+			TotalEarnings: giftIncome + shareIncome, GiftIncome: giftIncome, ShareIncome: shareIncome,
+			TotalHosts: len(items), GiftedHostCount: giftResp.GetStats().GetGiftedHostCount(),
+		},
+		"hosts": items,
+	})
+}

services/gateway-service/internal/transport/http/userapi/bd_center_stats_handler.go

@@ -0,0 +1,117 @@
+package userapi
+
+import (
+	"context"
+	"net/http"
+	"sync"
+
+	userv1 "hyapp.local/api/proto/user/v1"
+	walletv1 "hyapp.local/api/proto/wallet/v1"
+	"hyapp/pkg/appcode"
+	"hyapp/services/gateway-service/internal/auth"
+	"hyapp/services/gateway-service/internal/transport/http/httpkit"
+)
+
+type agencyHostGiftStatsClient interface {
+	GetAgencyHostGiftStats(context.Context, *walletv1.GetAgencyHostGiftStatsRequest) (*walletv1.GetAgencyHostGiftStatsResponse, error)
+}
+
+type bdCenterAgencyStatsData struct {
+	Agency          hostAgencyData       `json:"agency"`
+	Owner           agencyCenterUserData `json:"owner"`
+	Country         string               `json:"country"`
+	TotalHosts      int                  `json:"total_hosts"`
+	GiftedHostCount int64                `json:"gifted_host_count"`
+	DiamondEarnings int64                `json:"diamond_earnings"`
+	JoinedAtMS      int64                `json:"joined_at_ms"`
+}
+
+// getBDCenterStats 返回 BD 直属 Agency 的收礼统计；工资和 Agency 分成不属于设计稿口径，刻意不返回。
+func (h *Handler) getBDCenterStats(writer http.ResponseWriter, request *http.Request) {
+	userID := auth.UserIDFromContext(request.Context())
+	if _, ok := h.resolveActiveBD(writer, request, userID); !ok {
+		return
+	}
+	statsClient, ok := h.walletClient.(agencyHostGiftStatsClient)
+	if !ok {
+		httpkit.WriteError(writer, request, http.StatusBadGateway, httpkit.CodeUpstreamError, "upstream service error")
+		return
+	}
+	startDate, endDate, startAtMS, endAtMS, ok := parseHostCenterStatsRange(request)
+	if !ok {
+		httpkit.WriteError(writer, request, http.StatusBadRequest, httpkit.CodeInvalidArgument, "invalid date range")
+		return
+	}
+	agenciesResp, err := h.userHostClient.ListBDAgencies(request.Context(), &userv1.ListBDAgenciesRequest{
+		Meta: httpkit.UserMeta(request, ""), BdUserId: userID, Status: agencyStatusActive, PageSize: 100,
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	ownerIDs := make([]int64, 0, len(agenciesResp.GetAgencies()))
+	for _, agency := range agenciesResp.GetAgencies() {
+		ownerIDs = append(ownerIDs, agency.GetOwnerUserId())
+	}
+	owners, err := h.userProfiles(request, ownerIDs)
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+
+	items := make([]bdCenterAgencyStatsData, len(agenciesResp.GetAgencies()))
+	ctx, cancel := context.WithCancel(request.Context())
+	defer cancel()
+	semaphore := make(chan struct{}, 8)
+	var wait sync.WaitGroup
+	var firstErr error
+	var errorMu sync.Mutex
+	for index, agency := range agenciesResp.GetAgencies() {
+		index, agency := index, agency
+		wait.Add(1)
+		go func() {
+			defer wait.Done()
+			semaphore <- struct{}{}
+			defer func() { <-semaphore }()
+			members, callErr := h.userHostClient.GetAgencyMembers(ctx, &userv1.GetAgencyMembersRequest{
+				Meta: httpkit.UserMeta(request, ""), AgencyId: agency.GetAgencyId(), Status: membershipStatusActive,
+			})
+			hostIDs := make([]int64, 0, len(members.GetMemberships()))
+			if callErr == nil {
+				for _, membership := range members.GetMemberships() {
+					hostIDs = append(hostIDs, membership.GetHostUserId())
+				}
+				var stats *walletv1.GetAgencyHostGiftStatsResponse
+				stats, callErr = statsClient.GetAgencyHostGiftStats(ctx, &walletv1.GetAgencyHostGiftStatsRequest{
+					RequestId: httpkit.RequestIDFromContext(request.Context()), AppCode: appcode.FromContext(request.Context()),
+					HostUserIds: hostIDs, StartAtMs: startAtMS, EndAtMs: endAtMS,
+				})
+				if callErr == nil {
+					owner := owners[agency.GetOwnerUserId()]
+					items[index] = bdCenterAgencyStatsData{
+						Agency: hostAgencyFromProto(agency), Owner: owner, Country: owner.Country,
+						TotalHosts: len(hostIDs), GiftedHostCount: stats.GetStats().GetGiftedHostCount(),
+						DiamondEarnings: stats.GetStats().GetGiftIncome(), JoinedAtMS: agency.GetCreatedAtMs(),
+					}
+				}
+			}
+			if callErr != nil {
+				errorMu.Lock()
+				if firstErr == nil {
+					firstErr = callErr
+					cancel()
+				}
+				errorMu.Unlock()
+			}
+		}()
+	}
+	wait.Wait()
+	if firstErr != nil {
+		httpkit.WriteRPCError(writer, request, firstErr)
+		return
+	}
+	httpkit.WriteOK(writer, request, map[string]any{
+		"range": hostCenterStatsRangeData{StartDate: startDate, EndDate: endDate, Timezone: "UTC"},
+		"items": items, "total": len(items),
+	})
+}

services/gateway-service/internal/transport/http/userapi/handler.go

@@ -73,8 +73,10 @@ func (h *Handler) UserHandlers() httproutes.UserHandlers {
 		ListAgencyRooms:               h.listAgencyRooms,
 		UpdateAgencyProfile:           h.updateAgencyProfile,
 		GetHostCenterAgency:           h.getHostCenterAgency,
+		GetHostCenterStats:            h.getHostCenterStats,
 		GetHostCenterPlatformPolicy:   h.getHostCenterPlatformPolicy,
 		GetAgencyCenterOverview:       h.getAgencyCenterOverview,
+		GetAgencyCenterStats:          h.getAgencyCenterStats,
 		GetAgencyCenterPlatformPolicy: h.getAgencyCenterPlatformPolicy,
 		ListAgencyCenterHosts:         h.listAgencyCenterHosts,
 		ListAgencyCenterApplications:  h.listAgencyCenterApplications,
@@ -87,6 +89,7 @@ func (h *Handler) UserHandlers() httproutes.UserHandlers {
 		InviteBDLeaderBD:              h.inviteBDLeaderBD,
 		InviteBDLeaderAgency:          h.inviteBDLeaderAgency,
 		GetBDCenterOverview:           h.getBDCenterOverview,
+		GetBDCenterStats:              h.getBDCenterStats,
 		ListBDCenterAgencies:          h.listBDCenterAgencies,
 		InviteBDAgency:                h.inviteBDAgency,
 		ListMyRoleInvitations:         h.listMyRoleInvitations,

services/gateway-service/internal/transport/http/userapi/host_center_agency_handler.go

@@ -8,10 +8,11 @@ import (
 )
 
 type hostCenterAgencyData struct {
-	AgencyID string `json:"agency_id"`
+	AgencyID   string `json:"agency_id"`
-	ShortID  string `json:"short_id"`
+	ShortID    string `json:"short_id"`
-	Name     string `json:"name"`
+	Name       string `json:"name"`
-	Avatar   string `json:"avatar,omitempty"`
+	Avatar     string `json:"avatar,omitempty"`
+	JoinedAtMS int64  `json:"joined_at_ms,omitempty"`
 }
 
 func (h *Handler) getHostCenterAgency(writer http.ResponseWriter, request *http.Request) {
@@ -49,6 +50,21 @@ func (h *Handler) getHostCenterAgency(writer http.ResponseWriter, request *http.
 		Name:     agency.GetName(),
 		Avatar:   agency.GetAvatar(),
 	}
+	// 加入时间来自当前 membership 事实，不使用 host 首次成为主播时间；主播换公会后两者语义不同。
+	membersResp, err := h.userHostClient.GetAgencyMembers(request.Context(), &userv1.GetAgencyMembersRequest{
+		Meta:     httpkit.UserMeta(request, ""),
+		AgencyId: agency.GetAgencyId(),
+		Status:   "active",
+	})
+	if err == nil {
+		// 加入时间是新增展示字段；该补充查询失败时保留旧响应，不能让 Lalu 历史页面因非关键字段不可用而整体失败。
+		for _, membership := range membersResp.GetMemberships() {
+			if membership.GetMembershipId() == profile.GetCurrentMembershipId() && membership.GetHostUserId() == profile.GetUserId() {
+				data.JoinedAtMS = membership.GetJoinedAtMs()
+				break
+			}
+		}
+	}
 	if agency.GetOwnerUserId() > 0 {
 		profiles, err := h.userProfiles(request, []int64{agency.GetOwnerUserId()})
 		if err != nil {

services/gateway-service/internal/transport/http/userapi/host_center_stats_handler.go

@@ -0,0 +1,114 @@
+package userapi
+
+import (
+	"context"
+	"net/http"
+	"strings"
+	"time"
+
+	userv1 "hyapp.local/api/proto/user/v1"
+	walletv1 "hyapp.local/api/proto/wallet/v1"
+	"hyapp/pkg/appcode"
+	"hyapp/services/gateway-service/internal/transport/http/httpkit"
+)
+
+type hostEngagementStatsClient interface {
+	GetHostEngagementStats(context.Context, *userv1.GetHostEngagementStatsRequest) (*userv1.GetHostEngagementStatsResponse, error)
+}
+
+type hostRevenueStatsClient interface {
+	GetHostRevenueStats(context.Context, *walletv1.GetHostRevenueStatsRequest) (*walletv1.GetHostRevenueStatsResponse, error)
+}
+
+const hostCenterMaxStatsDays = 366
+
+type hostCenterStatsRangeData struct {
+	StartDate string `json:"start_date"`
+	EndDate   string `json:"end_date"`
+	Timezone  string `json:"timezone"`
+}
+
+type hostCenterStatsMetricsData struct {
+	DiamondEarnings       int64 `json:"diamond_earnings"`
+	DiamondExchanged      int64 `json:"diamond_exchanged"`
+	GiftSenders           int64 `json:"gift_senders"`
+	OnlineDurationMS      int64 `json:"online_duration_ms"`
+	ValidMicDurationMS    int64 `json:"valid_mic_duration_ms"`
+	ValidMicDays          int64 `json:"valid_mic_days"`
+	PrivateMessageSenders int64 `json:"private_message_senders"`
+	NewFollowers          int64 `json:"new_followers"`
+}
+
+// getHostCenterStats 只编排 user/wallet 两个 owner 的只读聚合，不在 gateway 重算账务或在线时长。
+func (h *Handler) getHostCenterStats(writer http.ResponseWriter, request *http.Request) {
+	profile, ok := h.resolveCurrentActiveHostProfile(writer, request)
+	if !ok {
+		return
+	}
+	engagementClient, engagementOK := h.userHostClient.(hostEngagementStatsClient)
+	revenueClient, revenueOK := h.walletClient.(hostRevenueStatsClient)
+	if !engagementOK || !revenueOK {
+		httpkit.WriteError(writer, request, http.StatusBadGateway, httpkit.CodeUpstreamError, "upstream service error")
+		return
+	}
+	startDate, endDate, startAtMS, endAtMS, ok := parseHostCenterStatsRange(request)
+	if !ok {
+		httpkit.WriteError(writer, request, http.StatusBadRequest, httpkit.CodeInvalidArgument, "invalid date range")
+		return
+	}
+
+	engagementResp, err := engagementClient.GetHostEngagementStats(request.Context(), &userv1.GetHostEngagementStatsRequest{
+		Meta:       httpkit.UserMeta(request, ""),
+		HostUserId: profile.GetUserId(),
+		StartAtMs:  startAtMS,
+		EndAtMs:    endAtMS,
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	revenueResp, err := revenueClient.GetHostRevenueStats(request.Context(), &walletv1.GetHostRevenueStatsRequest{
+		RequestId:  httpkit.RequestIDFromContext(request.Context()),
+		AppCode:    appcode.FromContext(request.Context()),
+		HostUserId: profile.GetUserId(),
+		StartAtMs:  startAtMS,
+		EndAtMs:    endAtMS,
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	engagement := engagementResp.GetStats()
+	revenue := revenueResp.GetStats()
+	httpkit.WriteOK(writer, request, map[string]any{
+		"range": hostCenterStatsRangeData{StartDate: startDate, EndDate: endDate, Timezone: "UTC"},
+		"metrics": hostCenterStatsMetricsData{
+			DiamondEarnings:       revenue.GetDiamondEarnings(),
+			DiamondExchanged:      revenue.GetDiamondExchanged(),
+			GiftSenders:           revenue.GetGiftSenders(),
+			OnlineDurationMS:      engagement.GetOnlineDurationMs(),
+			ValidMicDurationMS:    engagement.GetValidMicDurationMs(),
+			ValidMicDays:          engagement.GetValidMicDays(),
+			PrivateMessageSenders: engagement.GetPrivateMessageSenders(),
+			NewFollowers:          engagement.GetNewFollowers(),
+		},
+	})
+}
+
+func parseHostCenterStatsRange(request *http.Request) (string, string, int64, int64, bool) {
+	startText := strings.TrimSpace(request.URL.Query().Get("start_date"))
+	endText := strings.TrimSpace(request.URL.Query().Get("end_date"))
+	if startText == "" || endText == "" {
+		return "", "", 0, 0, false
+	}
+	start, startErr := time.Parse("2006-01-02", startText)
+	end, endErr := time.Parse("2006-01-02", endText)
+	if startErr != nil || endErr != nil || end.Before(start) {
+		return "", "", 0, 0, false
+	}
+	endExclusive := end.Add(24 * time.Hour)
+	if int(endExclusive.Sub(start)/(24*time.Hour)) > hostCenterMaxStatsDays {
+		return "", "", 0, 0, false
+	}
+	return startText, endText, start.UnixMilli(), endExclusive.UnixMilli(), true
+}

services/gateway-service/internal/transport/http/userapi/host_center_stats_handler_test.go

@@ -0,0 +1,30 @@
+package userapi
+
+import (
+	"net/http/httptest"
+	"testing"
+)
+
+func TestParseHostCenterStatsRangeUsesInclusiveNaturalDays(t *testing.T) {
+	request := httptest.NewRequest("GET", "/api/v1/host-center/stats?start_date=2026-07-06&end_date=2026-07-12", nil)
+	startDate, endDate, startAtMS, endAtMS, ok := parseHostCenterStatsRange(request)
+	if !ok || startDate != "2026-07-06" || endDate != "2026-07-12" {
+		t.Fatalf("range parse mismatch: ok=%t start=%s end=%s", ok, startDate, endDate)
+	}
+	if got := endAtMS - startAtMS; got != 7*24*60*60*1000 {
+		t.Fatalf("end must be exclusive after seven inclusive days, got %d", got)
+	}
+}
+
+func TestParseHostCenterStatsRangeRejectsInvalidOrOversizedRanges(t *testing.T) {
+	for _, rawURL := range []string{
+		"/api/v1/host-center/stats?start_date=2026-07-12&end_date=2026-07-01",
+		"/api/v1/host-center/stats?start_date=2026-07-12",
+		"/api/v1/host-center/stats?start_date=2025-01-01&end_date=2026-07-12",
+	} {
+		request := httptest.NewRequest("GET", rawURL, nil)
+		if _, _, _, _, ok := parseHostCenterStatsRange(request); ok {
+			t.Fatalf("expected invalid range for %s", rawURL)
+		}
+	}
+}

services/gateway-service/internal/transport/http/walletapi/handler.go

@@ -118,6 +118,7 @@ func (h *Handler) WalletHandlers() httproutes.WalletHandlers {
 		WithdrawSalaryWallet:              h.withdrawSalaryWallet,
 		GetPointWalletOverview:            h.getPointWalletOverview,
 		WithdrawPointWallet:               h.withdrawPointWallet,
+		TransferPointWalletToCoinSeller:   h.transferPointWalletToCoinSeller,
 		GetRedPacketConfig:                h.getRedPacketConfig,
 		ListRoomRedPackets:                h.listRoomRedPackets,
 		CreateRoomRedPacket:               h.createRoomRedPacket,

services/gateway-service/internal/transport/http/walletapi/point_wallet_handler.go

@@ -18,16 +18,15 @@ import (
 )
 
 const (
-	pointWalletAssetType       = "POINT"
+	pointWalletAssetType = "POINT"
-	pointWalletMinimumGross    = int64(1000000)
-	pointWalletPointsPerUSD    = int64(100000)
-	pointWalletWithdrawFeeBPS  = int32(500)
-	pointWalletWithdrawalScope = "huwaa"
 )
 
 type pointWithdrawalGatewayClient interface {
 	FreezePointWithdrawal(ctx context.Context, req *walletv1.FreezePointWithdrawalRequest) (*walletv1.FreezePointWithdrawalResponse, error)
 	ReleasePointWithdrawal(ctx context.Context, req *walletv1.ReleasePointWithdrawalRequest) (*walletv1.ReleasePointWithdrawalResponse, error)
+	ListPointWithdrawalCoinSellers(ctx context.Context, req *walletv1.ListPointWithdrawalCoinSellersRequest) (*walletv1.ListPointWithdrawalCoinSellersResponse, error)
+	TransferPointToCoinSeller(ctx context.Context, req *walletv1.TransferPointToCoinSellerRequest) (*walletv1.TransferPointToCoinSellerResponse, error)
+	GetPointWithdrawalConfig(ctx context.Context, req *walletv1.GetPointWithdrawalConfigRequest) (*walletv1.GetPointWithdrawalConfigResponse, error)
 }
 
 type pointWalletOverviewData struct {
@@ -37,6 +36,19 @@ type pointWalletOverviewData struct {
 	PointsPerUSD    int64                           `json:"points_per_usd"`
 	FeeBPS          int32                           `json:"fee_bps"`
 	MinimumPoints   int64                           `json:"minimum_points"`
+	CoinSellers     []pointWalletCoinSellerData     `json:"coin_sellers"`
+	PolicyInstance  string                          `json:"policy_instance_code"`
+}
+
+type pointWalletCoinSellerData struct {
+	UserID              string   `json:"user_id"`
+	DisplayUserID       string   `json:"display_user_id"`
+	Nickname            string   `json:"nickname"`
+	Avatar              string   `json:"avatar"`
+	SortOrder           int32    `json:"sort_order"`
+	PointAmount         int64    `json:"point_amount"`
+	SellerCoinAmount    int64    `json:"seller_coin_amount"`
+	ServiceCountryCodes []string `json:"service_country_codes"`
 }
 
 type pointWalletBalanceData struct {
@@ -66,6 +78,36 @@ type pointWalletWithdrawBody struct {
 	Address                   string `json:"address"`
 }
 
+type pointWalletCoinSellerTransferBody struct {
+	CommandID         string            `json:"command_id"`
+	CommandIDCamel    string            `json:"commandId"`
+	SellerUserID      flexibleJSONInt64 `json:"seller_user_id"`
+	SellerUserIDCamel flexibleJSONInt64 `json:"sellerUserId"`
+	PointAmount       int64             `json:"point_amount"`
+	PointAmountCamel  int64             `json:"pointAmount"`
+}
+
+func (b pointWalletCoinSellerTransferBody) commandID() string {
+	if value := strings.TrimSpace(b.CommandID); value != "" {
+		return value
+	}
+	return strings.TrimSpace(b.CommandIDCamel)
+}
+
+func (b pointWalletCoinSellerTransferBody) sellerUserID() int64 {
+	if b.SellerUserID.Int64() > 0 {
+		return b.SellerUserID.Int64()
+	}
+	return b.SellerUserIDCamel.Int64()
+}
+
+func (b pointWalletCoinSellerTransferBody) amount() int64 {
+	if b.PointAmount > 0 {
+		return b.PointAmount
+	}
+	return b.PointAmountCamel
+}
+
 func (b pointWalletWithdrawBody) commandID() string {
 	if value := strings.TrimSpace(b.CommandID); value != "" {
 		return value
@@ -102,7 +144,7 @@ func (b pointWalletWithdrawBody) usdtTRC20Address() string {
 }
 
 func (h *Handler) getPointWalletOverview(writer http.ResponseWriter, request *http.Request) {
-	if !isHuwaaPointWalletRequest(request) {
+	if !isPointWalletRequest(request) {
 		httpkit.WriteError(writer, request, http.StatusForbidden, httpkit.CodePermissionDenied, "permission denied")
 		return
 	}
@@ -110,7 +152,37 @@ func (h *Handler) getPointWalletOverview(writer http.ResponseWriter, request *ht
 		httpkit.WriteError(writer, request, http.StatusBadGateway, httpkit.CodeUpstreamError, "upstream service error")
 		return
 	}
+	pointWallet, ok := h.walletClient.(pointWithdrawalGatewayClient)
+	if !ok {
+		httpkit.WriteError(writer, request, http.StatusBadGateway, httpkit.CodeUpstreamError, "upstream service error")
+		return
+	}
 	userID := auth.UserIDFromContext(request.Context())
+	profileResp, err := h.userProfileClient.GetUser(request.Context(), &userv1.GetUserRequest{
+		Meta: httpkit.UserMeta(request, ""), UserId: userID,
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	profile := profileResp.GetUser()
+	if profile == nil {
+		httpkit.WriteError(writer, request, http.StatusNotFound, httpkit.CodeNotFound, "user not found")
+		return
+	}
+	config, err := pointWallet.GetPointWithdrawalConfig(request.Context(), &walletv1.GetPointWithdrawalConfigRequest{
+		RequestId: httpkit.RequestIDFromContext(request.Context()), AppCode: appcode.FromContext(request.Context()),
+		RegionId: profile.GetRegionId(), NowMs: time.Now().UTC().UnixMilli(),
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	if !config.GetFound() {
+		// 没有已发布政策就关闭资金入口；不能回退到编译期常量造成 Admin 看似配置但账务仍走旧值。
+		httpkit.WriteError(writer, request, http.StatusForbidden, httpkit.CodePermissionDenied, "point wallet policy is not configured")
+		return
+	}
 	balanceResp, err := h.walletClient.GetBalances(request.Context(), &walletv1.GetBalancesRequest{
 		RequestId:  httpkit.RequestIDFromContext(request.Context()),
 		UserId:     userID,
@@ -121,26 +193,33 @@ func (h *Handler) getPointWalletOverview(writer http.ResponseWriter, request *ht
 		httpkit.WriteRPCError(writer, request, err)
 		return
 	}
-	profileResp, err := h.userProfileClient.GetUser(request.Context(), &userv1.GetUserRequest{
+	sellerResp, err := pointWallet.ListPointWithdrawalCoinSellers(request.Context(), &walletv1.ListPointWithdrawalCoinSellersRequest{
-		Meta:   httpkit.UserMeta(request, ""),
+		RequestId: httpkit.RequestIDFromContext(request.Context()), AppCode: appcode.FromContext(request.Context()),
-		UserId: userID,
+		CountryCode: pointWalletCountryCode(profile),
 	})
 	if err != nil {
 		httpkit.WriteRPCError(writer, request, err)
 		return
 	}
+	sellers, err := h.pointWalletCoinSellerData(request, sellerResp.GetSellers())
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
 	httpkit.WriteOK(writer, request, pointWalletOverviewData{
 		AssetType:       pointWalletAssetType,
-		Balance:         pointBalanceFromProto(firstBalance(balanceResp.GetBalances())),
+		Balance:         pointBalanceFromProto(firstBalance(balanceResp.GetBalances()), config.GetPointsPerUsd()),
 		WithdrawAddress: salaryWithdrawAddressFromProto(profileResp.GetUser()),
-		PointsPerUSD:    pointWalletPointsPerUSD,
+		PointsPerUSD:    config.GetPointsPerUsd(),
-		FeeBPS:          pointWalletWithdrawFeeBPS,
+		FeeBPS:          config.GetFeeBps(),
-		MinimumPoints:   pointWalletMinimumGross,
+		MinimumPoints:   config.GetMinimumPoints(),
+		CoinSellers:     sellers,
+		PolicyInstance:  config.GetPolicyInstanceCode(),
 	})
 }
 
 func (h *Handler) withdrawPointWallet(writer http.ResponseWriter, request *http.Request) {
-	if !isHuwaaPointWalletRequest(request) {
+	if !isPointWalletRequest(request) {
 		httpkit.WriteError(writer, request, http.StatusForbidden, httpkit.CodePermissionDenied, "permission denied")
 		return
 	}
@@ -164,13 +243,31 @@ func (h *Handler) withdrawPointWallet(writer http.ResponseWriter, request *http.
 		return
 	}
 	grossPoints := body.grossPointAmount()
-	if grossPoints < pointWalletMinimumGross {
+	userID := auth.UserIDFromContext(request.Context())
+	profileResp, err := h.userProfileClient.GetUser(request.Context(), &userv1.GetUserRequest{Meta: httpkit.UserMeta(request, ""), UserId: userID})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	profile := profileResp.GetUser()
+	if profile == nil {
+		httpkit.WriteError(writer, request, http.StatusNotFound, httpkit.CodeNotFound, "user not found")
+		return
+	}
+	config, err := pointWallet.GetPointWithdrawalConfig(request.Context(), &walletv1.GetPointWithdrawalConfigRequest{
+		RequestId: httpkit.RequestIDFromContext(request.Context()), AppCode: appcode.FromContext(request.Context()),
+		RegionId: profile.GetRegionId(), NowMs: time.Now().UTC().UnixMilli(),
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	if !config.GetFound() || grossPoints < config.GetMinimumPoints() {
 		httpkit.WriteError(writer, request, http.StatusBadRequest, httpkit.CodeInvalidArgument, "invalid argument")
 		return
 	}
-	feePoints := grossPoints * int64(pointWalletWithdrawFeeBPS) / 10000
+	feePoints := grossPoints * int64(config.GetFeeBps()) / 10000
 	netPoints := grossPoints - feePoints
-	userID := auth.UserIDFromContext(request.Context())
 	balanceResp, err := h.walletClient.GetBalances(request.Context(), &walletv1.GetBalancesRequest{
 		RequestId:  httpkit.RequestIDFromContext(request.Context()),
 		UserId:     userID,
@@ -199,8 +296,8 @@ func (h *Handler) withdrawPointWallet(writer http.ResponseWriter, request *http.
 		GrossPointAmount: grossPoints,
 		FeePointAmount:   feePoints,
 		NetPointAmount:   netPoints,
-		PointsPerUsd:     pointWalletPointsPerUSD,
+		PointsPerUsd:     config.GetPointsPerUsd(),
-		FeeBps:           pointWalletWithdrawFeeBPS,
+		FeeBps:           config.GetFeeBps(),
 		Reason:           "point withdrawal submitted",
 		AppCode:          appcode.FromContext(request.Context()),
 		WithdrawalRef:    httpkit.RequestIDFromContext(request.Context()),
@@ -213,8 +310,13 @@ func (h *Handler) withdrawPointWallet(writer http.ResponseWriter, request *http.
 		AppCode:             appcode.FromContext(request.Context()),
 		UserID:              userID,
 		SalaryAssetType:     pointWalletAssetType,
-		WithdrawAmount:      formatPointUSD(netPoints, pointWalletPointsPerUSD),
+		WithdrawAmount:      formatPointUSD(netPoints, config.GetPointsPerUsd()),
 		WithdrawAmountMinor: grossPoints,
+		PointFeeAmount:      feePoints,
+		PointNetAmount:      netPoints,
+		PointsPerUSD:        config.GetPointsPerUsd(),
+		PointFeeBPS:         config.GetFeeBps(),
+		PointPolicyInstance: config.GetPolicyInstanceCode(),
 		WithdrawMethod:      financewithdrawal.MethodUSDTTRC20,
 		WithdrawAddress:     address,
 		FreezeCommandID:     freezeCommandID,
@@ -222,7 +324,7 @@ func (h *Handler) withdrawPointWallet(writer http.ResponseWriter, request *http.
 		CreatedAtMS:         nowMS,
 	})
 	if err != nil {
-		rollbackPointWithdrawalFreeze(request, pointWallet, freezeCommandID, userID, grossPoints, feePoints, netPoints)
+		rollbackPointWithdrawalFreeze(request, pointWallet, freezeCommandID, userID, grossPoints, feePoints, netPoints, config.GetPointsPerUsd(), config.GetFeeBps())
 		httpkit.WriteError(writer, request, http.StatusInternalServerError, httpkit.CodeInternalError, "internal error")
 		return
 	}
@@ -239,12 +341,13 @@ func (h *Handler) withdrawPointWallet(writer http.ResponseWriter, request *http.
 		"gross_point_amount":    grossPoints,
 		"fee_point_amount":      feePoints,
 		"net_point_amount":      netPoints,
-		"points_per_usd":        pointWalletPointsPerUSD,
+		"points_per_usd":        config.GetPointsPerUsd(),
-		"fee_bps":               pointWalletWithdrawFeeBPS,
+		"fee_bps":               config.GetFeeBps(),
-		"gross_usd":             formatPointUSD(grossPoints, pointWalletPointsPerUSD),
+		"policy_instance_code":  config.GetPolicyInstanceCode(),
-		"fee_usd":               formatPointUSD(feePoints, pointWalletPointsPerUSD),
+		"gross_usd":             formatPointUSD(grossPoints, config.GetPointsPerUsd()),
-		"net_usd":               formatPointUSD(netPoints, pointWalletPointsPerUSD),
+		"fee_usd":               formatPointUSD(feePoints, config.GetPointsPerUsd()),
-		"balance_after":         pointBalanceFromProto(freezeResp.GetBalance()),
+		"net_usd":               formatPointUSD(netPoints, config.GetPointsPerUsd()),
+		"balance_after":         pointBalanceFromProto(freezeResp.GetBalance(), config.GetPointsPerUsd()),
 		"withdraw_method":       application.WithdrawMethod,
 		"withdraw_address":      application.WithdrawAddress,
 		"freeze_transaction_id": freezeResp.GetTransactionId(),
@@ -252,11 +355,17 @@ func (h *Handler) withdrawPointWallet(writer http.ResponseWriter, request *http.
 	})
 }
 
-func isHuwaaPointWalletRequest(request *http.Request) bool {
+func isPointWalletRequest(request *http.Request) bool {
-	return strings.EqualFold(appcode.FromContext(request.Context()), pointWalletWithdrawalScope)
+	// 新钱包首先服务 Huwaa 与 Fami；Lalu 旧 gonghui 页面和既有工资钱包路由不做行为变更。
+	switch strings.ToLower(strings.TrimSpace(appcode.FromContext(request.Context()))) {
+	case "huwaa", "fami":
+		return true
+	default:
+		return false
+	}
 }
 
-func pointBalanceFromProto(balance *walletv1.AssetBalance) pointWalletBalanceData {
+func pointBalanceFromProto(balance *walletv1.AssetBalance, pointsPerUSD int64) pointWalletBalanceData {
 	if balance == nil {
 		return pointWalletBalanceData{AssetType: pointWalletAssetType, DisplayUSD: "0.00"}
 	}
@@ -265,7 +374,7 @@ func pointBalanceFromProto(balance *walletv1.AssetBalance) pointWalletBalanceDat
 		AvailableAmount: balance.GetAvailableAmount(),
 		FrozenAmount:    balance.GetFrozenAmount(),
 		Version:         balance.GetVersion(),
-		DisplayUSD:      formatPointUSD(balance.GetAvailableAmount(), pointWalletPointsPerUSD),
+		DisplayUSD:      formatPointUSD(balance.GetAvailableAmount(), pointsPerUSD),
 	}
 }
 
@@ -288,7 +397,7 @@ func pointWithdrawalFreezeCommandID(submittedCommandID string, requestID string,
 	return fmt.Sprintf("point-withdrawal:%d", nowMS)
 }
 
-func rollbackPointWithdrawalFreeze(request *http.Request, walletClient pointWithdrawalGatewayClient, freezeCommandID string, userID int64, grossPoints int64, feePoints int64, netPoints int64) {
+func rollbackPointWithdrawalFreeze(request *http.Request, walletClient pointWithdrawalGatewayClient, freezeCommandID string, userID int64, grossPoints int64, feePoints int64, netPoints int64, pointsPerUSD int64, feeBPS int32) {
 	rollbackCommandID := strings.TrimSpace(freezeCommandID) + ":rollback"
 	if len(rollbackCommandID) > 128 {
 		rollbackCommandID = fmt.Sprintf("point-withdrawal-rollback:%s", httpkit.RequestIDFromContext(request.Context()))
@@ -302,8 +411,8 @@ func rollbackPointWithdrawalFreeze(request *http.Request, walletClient pointWith
 		GrossPointAmount: grossPoints,
 		FeePointAmount:   feePoints,
 		NetPointAmount:   netPoints,
-		PointsPerUsd:     pointWalletPointsPerUSD,
+		PointsPerUsd:     pointsPerUSD,
-		FeeBps:           pointWalletWithdrawFeeBPS,
+		FeeBps:           feeBPS,
 		Reason:           "point withdrawal application create failed",
 		AppCode:          appcode.FromContext(request.Context()),
 	})
@@ -311,3 +420,119 @@ func rollbackPointWithdrawalFreeze(request *http.Request, walletClient pointWith
 		slog.Error("point_withdrawal_freeze_rollback_failed", "user_id", userID, "gross_point_amount", grossPoints, "freeze_command_id", freezeCommandID, "error", err)
 	}
 }
+
+// transferPointWalletToCoinSeller 只接收目标和 POINT 金额；wallet 事务会重新读取 active 白名单与比例。
+func (h *Handler) transferPointWalletToCoinSeller(writer http.ResponseWriter, request *http.Request) {
+	if !isPointWalletRequest(request) {
+		httpkit.WriteError(writer, request, http.StatusForbidden, httpkit.CodePermissionDenied, "permission denied")
+		return
+	}
+	pointWallet, ok := h.walletClient.(pointWithdrawalGatewayClient)
+	if !ok || h.userProfileClient == nil || h.userHostClient == nil {
+		httpkit.WriteError(writer, request, http.StatusBadGateway, httpkit.CodeUpstreamError, "upstream service error")
+		return
+	}
+	var body pointWalletCoinSellerTransferBody
+	if !httpkit.Decode(writer, request, &body) {
+		return
+	}
+	commandID := body.commandID()
+	sellerUserID := body.sellerUserID()
+	pointAmount := body.amount()
+	if commandID == "" || sellerUserID <= 0 || pointAmount <= 0 {
+		httpkit.WriteError(writer, request, http.StatusBadRequest, httpkit.CodeInvalidArgument, "invalid argument")
+		return
+	}
+	userID := auth.UserIDFromContext(request.Context())
+	profileResp, err := h.userProfileClient.GetUser(request.Context(), &userv1.GetUserRequest{Meta: httpkit.UserMeta(request, ""), UserId: userID})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	if profileResp.GetUser() == nil {
+		httpkit.WriteError(writer, request, http.StatusNotFound, httpkit.CodeNotFound, "user not found")
+		return
+	}
+	runtimeConfig, err := pointWallet.GetPointWithdrawalConfig(request.Context(), &walletv1.GetPointWithdrawalConfigRequest{
+		RequestId: httpkit.RequestIDFromContext(request.Context()), AppCode: appcode.FromContext(request.Context()),
+		RegionId: profileResp.GetUser().GetRegionId(), NowMs: time.Now().UTC().UnixMilli(),
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	if !runtimeConfig.GetFound() || pointAmount < runtimeConfig.GetMinimumPoints() {
+		// 币商和 USDT 两种提现共用已发布政策中的最低门槛，客户端不能通过切换页签绕过。
+		httpkit.WriteError(writer, request, http.StatusBadRequest, httpkit.CodeInvalidArgument, "point withdrawal amount is below minimum")
+		return
+	}
+	sellerProfileResp, err := h.userHostClient.GetCoinSellerProfile(request.Context(), &userv1.GetCoinSellerProfileRequest{
+		Meta: httpkit.UserMeta(request, ""), UserId: sellerUserID,
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	sellerProfile := sellerProfileResp.GetCoinSellerProfile()
+	if sellerProfile == nil || sellerProfile.GetStatus() != "active" || sellerProfile.GetMerchantAssetType() != "COIN_SELLER_COIN" {
+		// Admin 白名单只证明配置存在；转账时仍要检查实时币商身份，防止币商被停用后继续收款。
+		httpkit.WriteError(writer, request, http.StatusForbidden, httpkit.CodePermissionDenied, "coin seller is not active")
+		return
+	}
+	receipt, err := pointWallet.TransferPointToCoinSeller(request.Context(), &walletv1.TransferPointToCoinSellerRequest{
+		CommandId: commandID, AppCode: appcode.FromContext(request.Context()), SourceUserId: userID,
+		SellerUserId: sellerUserID, PointAmount: pointAmount,
+		SourceCountryCode: pointWalletCountryCode(profileResp.GetUser()), Reason: "point wallet withdrawal to coin seller",
+	})
+	if err != nil {
+		httpkit.WriteRPCError(writer, request, err)
+		return
+	}
+	httpkit.WriteOK(writer, request, map[string]any{
+		"transaction_id": receipt.GetTransactionId(), "seller_user_id": strconv.FormatInt(sellerUserID, 10),
+		"point_amount": receipt.GetPointAmount(), "seller_coin_amount": receipt.GetSellerCoinAmount(),
+		"source_point_balance_after": receipt.GetSourcePointBalanceAfter(), "seller_balance_after": receipt.GetSellerBalanceAfter(),
+		"ratio_point_amount": receipt.GetRatioPointAmount(), "ratio_seller_coin_amount": receipt.GetRatioSellerCoinAmount(),
+	})
+}
+
+func (h *Handler) pointWalletCoinSellerData(request *http.Request, configs []*walletv1.PointWithdrawalCoinSellerConfig) ([]pointWalletCoinSellerData, error) {
+	if len(configs) == 0 {
+		return []pointWalletCoinSellerData{}, nil
+	}
+	userIDs := make([]int64, 0, len(configs))
+	for _, config := range configs {
+		if config != nil && config.GetSellerUserId() > 0 {
+			userIDs = append(userIDs, config.GetSellerUserId())
+		}
+	}
+	profiles, err := h.userProfileClient.BatchGetUsers(request.Context(), &userv1.BatchGetUsersRequest{Meta: httpkit.UserMeta(request, ""), UserIds: userIDs})
+	if err != nil {
+		return nil, err
+	}
+	items := make([]pointWalletCoinSellerData, 0, len(configs))
+	for _, config := range configs {
+		if config == nil {
+			continue
+		}
+		profile := profiles.GetUsers()[config.GetSellerUserId()]
+		// 白名单可在用户删除/禁用后短暂残留；读模型跳过缺失用户，转账入口还会实时校验 coin-seller 身份。
+		if profile == nil || profile.GetStatus() != userv1.UserStatus_USER_STATUS_ACTIVE {
+			continue
+		}
+		items = append(items, pointWalletCoinSellerData{
+			UserID: strconv.FormatInt(profile.GetUserId(), 10), DisplayUserID: profile.GetDisplayUserId(),
+			Nickname: profile.GetUsername(), Avatar: profile.GetAvatar(), SortOrder: config.GetSortOrder(),
+			PointAmount: config.GetPointAmount(), SellerCoinAmount: config.GetSellerCoinAmount(),
+			ServiceCountryCodes: append([]string(nil), config.GetServiceCountryCodes()...),
+		})
+	}
+	return items, nil
+}
+
+func pointWalletCountryCode(profile *userv1.User) string {
+	if profile == nil {
+		return ""
+	}
+	return strings.ToUpper(strings.TrimSpace(profile.GetCountry()))
+}

services/gateway-service/internal/transport/http/walletapi/point_wallet_handler_test.go

@@ -91,6 +91,11 @@ func TestWithdrawPointWalletFreezesWithClientCommandIDAndCreatesApplication(t *t
 		writer.last.SalaryAssetType != "POINT" ||
 		writer.last.WithdrawAmount != "9.50" ||
 		writer.last.WithdrawAmountMinor != 1_000_000 ||
+		writer.last.PointFeeAmount != 50_000 ||
+		writer.last.PointNetAmount != 950_000 ||
+		writer.last.PointsPerUSD != 100_000 ||
+		writer.last.PointFeeBPS != 500 ||
+		writer.last.PointPolicyInstance != "test-policy" ||
 		writer.last.FreezeCommandID != "client-point-withdraw-1" ||
 		writer.last.FreezeTransactionID != "point-freeze-tx" ||
 		writer.last.WithdrawAddress != "TQY9pFbZHuR4fUN9WgXPYj5nmB6nQiLQfF" {
@@ -112,13 +117,34 @@ func TestWithdrawPointWalletFreezesWithClientCommandIDAndCreatesApplication(t *t
 	}
 }
 
+func TestTransferPointWalletToCoinSellerUsesStringIDAndTrustedCountry(t *testing.T) {
+	wallet := &fakePointWalletClient{}
+	handler := New(Config{
+		WalletClient:      wallet,
+		UserProfileClient: &fakePointUserProfileClient{country: "SA"},
+		UserHostClient:    &fakePointUserHostClient{},
+	})
+	recorder := httptest.NewRecorder()
+	request := pointWalletRequest(`{"command_id":"point-seller-1","seller_user_id":"9007199254740001","point_amount":1000000}`, "fami")
+
+	httpkit.WithRequestID(http.HandlerFunc(handler.transferPointWalletToCoinSeller)).ServeHTTP(recorder, request)
+
+	if recorder.Code != http.StatusOK {
+		t.Fatalf("point seller transfer status mismatch: got %d body=%s", recorder.Code, recorder.Body.String())
+	}
+	if wallet.lastPointTransfer == nil || wallet.lastPointTransfer.GetSellerUserId() != 9007199254740001 || wallet.lastPointTransfer.GetSourceUserId() != 42001 || wallet.lastPointTransfer.GetSourceCountryCode() != "SA" || wallet.lastPointTransfer.GetAppCode() != "fami" {
+		t.Fatalf("point seller transfer request mismatch: %+v", wallet.lastPointTransfer)
+	}
+}
+
 type fakePointWalletClient struct {
 	client.WalletClient
-	balances    []*walletv1.AssetBalance
+	balances          []*walletv1.AssetBalance
-	lastBalance *walletv1.GetBalancesRequest
+	lastBalance       *walletv1.GetBalancesRequest
-	lastFreeze  *walletv1.FreezePointWithdrawalRequest
+	lastFreeze        *walletv1.FreezePointWithdrawalRequest
-	lastRelease *walletv1.ReleasePointWithdrawalRequest
+	lastRelease       *walletv1.ReleasePointWithdrawalRequest
-	freezeErr   error
+	lastPointTransfer *walletv1.TransferPointToCoinSellerRequest
+	freezeErr         error
 }
 
 func (f *fakePointWalletClient) GetBalances(_ context.Context, req *walletv1.GetBalancesRequest) (*walletv1.GetBalancesResponse, error) {
@@ -151,9 +177,23 @@ func (f *fakePointWalletClient) ReleasePointWithdrawal(_ context.Context, req *w
 	return &walletv1.ReleasePointWithdrawalResponse{TransactionId: "point-release-tx"}, nil
 }
 
+func (f *fakePointWalletClient) GetPointWithdrawalConfig(_ context.Context, _ *walletv1.GetPointWithdrawalConfigRequest) (*walletv1.GetPointWithdrawalConfigResponse, error) {
+	return &walletv1.GetPointWithdrawalConfigResponse{Found: true, PointsPerUsd: 100_000, FeeBps: 500, MinimumPoints: 1_000_000, PolicyInstanceCode: "test-policy"}, nil
+}
+
+func (f *fakePointWalletClient) ListPointWithdrawalCoinSellers(_ context.Context, _ *walletv1.ListPointWithdrawalCoinSellersRequest) (*walletv1.ListPointWithdrawalCoinSellersResponse, error) {
+	return &walletv1.ListPointWithdrawalCoinSellersResponse{}, nil
+}
+
+func (f *fakePointWalletClient) TransferPointToCoinSeller(_ context.Context, req *walletv1.TransferPointToCoinSellerRequest) (*walletv1.TransferPointToCoinSellerResponse, error) {
+	f.lastPointTransfer = req
+	return &walletv1.TransferPointToCoinSellerResponse{TransactionId: "point-seller-tx", PointAmount: req.GetPointAmount(), SellerCoinAmount: 920000}, nil
+}
+
 type fakePointUserProfileClient struct {
 	client.UserProfileClient
 	address string
+	country string
 	err     error
 }
 
@@ -161,7 +201,15 @@ func (f *fakePointUserProfileClient) GetUser(_ context.Context, req *userv1.GetU
 	if f.err != nil {
 		return nil, f.err
 	}
-	return &userv1.GetUserResponse{User: &userv1.User{UserId: req.GetUserId(), WithdrawUsdtTrc20Address: f.address}}, nil
+	return &userv1.GetUserResponse{User: &userv1.User{UserId: req.GetUserId(), Country: f.country, WithdrawUsdtTrc20Address: f.address}}, nil
+}
+
+type fakePointUserHostClient struct {
+	client.UserHostClient
+}
+
+func (f *fakePointUserHostClient) GetCoinSellerProfile(_ context.Context, req *userv1.GetCoinSellerProfileRequest) (*userv1.GetCoinSellerProfileResponse, error) {
+	return &userv1.GetCoinSellerProfileResponse{CoinSellerProfile: &userv1.CoinSellerProfile{UserId: req.GetUserId(), Status: "active", MerchantAssetType: "COIN_SELLER_COIN"}}, nil
 }
 
 func (f *fakePointUserProfileClient) UpdateUserWithdrawAddress(_ context.Context, req *userv1.UpdateUserWithdrawAddressRequest) (*userv1.UpdateUserWithdrawAddressResponse, error) {
@@ -190,6 +238,11 @@ func (f *fakePointWithdrawalWriter) CreateApplication(_ context.Context, command
 		SalaryAssetType:     command.SalaryAssetType,
 		WithdrawAmount:      command.WithdrawAmount,
 		WithdrawAmountMinor: command.WithdrawAmountMinor,
+		PointFeeAmount:      command.PointFeeAmount,
+		PointNetAmount:      command.PointNetAmount,
+		PointsPerUSD:        command.PointsPerUSD,
+		PointFeeBPS:         command.PointFeeBPS,
+		PointPolicyInstance: command.PointPolicyInstance,
 		WithdrawMethod:      command.WithdrawMethod,
 		WithdrawAddress:     command.WithdrawAddress,
 		FreezeCommandID:     command.FreezeCommandID,

services/user-service/deploy/mysql/initdb/001_user_service.sql

@@ -127,6 +127,28 @@ CREATE TABLE IF NOT EXISTS user_follows (
   KEY idx_user_follows_follower_status (app_code, follower_user_id, status, followed_at_ms)
 ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='用户关注表';
 
+CREATE TABLE IF NOT EXISTS user_follow_events (
+  app_code VARCHAR(32) NOT NULL DEFAULT 'lalu' COMMENT '应用编码，用于多租户隔离',
+  event_id BIGINT NOT NULL AUTO_INCREMENT COMMENT '关注状态变化事件 ID',
+  follower_user_id BIGINT NOT NULL COMMENT '关注人用户 ID',
+  followee_user_id BIGINT NOT NULL COMMENT '被关注人用户 ID',
+  delta TINYINT NOT NULL COMMENT '关注 +1，取消关注 -1',
+  occurred_at_ms BIGINT NOT NULL COMMENT '事件时间，UTC epoch ms',
+  PRIMARY KEY (event_id),
+  KEY idx_user_follow_events_followee_time (app_code, followee_user_id, occurred_at_ms, event_id)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='用户关注净增统计事件表';
+
+CREATE TABLE IF NOT EXISTS user_private_message_events (
+  app_code VARCHAR(32) NOT NULL DEFAULT 'lalu' COMMENT '应用编码，用于多租户隔离',
+  event_id VARCHAR(128) NOT NULL COMMENT '腾讯 IM 私信事件幂等 ID',
+  sender_user_id BIGINT NOT NULL COMMENT '消息发送用户 ID',
+  target_user_id BIGINT NOT NULL COMMENT '消息接收用户 ID',
+  occurred_at_ms BIGINT NOT NULL COMMENT '发送时间，UTC epoch ms',
+  created_at_ms BIGINT NOT NULL COMMENT '落库时间，UTC epoch ms',
+  PRIMARY KEY (app_code, event_id),
+  KEY idx_private_message_target_time (app_code, target_user_id, occurred_at_ms, sender_user_id)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='用户私信发送事实，仅保存统计字段';
+
 CREATE TABLE IF NOT EXISTS user_friend_applications (
   app_code VARCHAR(32) NOT NULL DEFAULT 'lalu' COMMENT '应用编码，用于多租户隔离',
   requester_user_id BIGINT NOT NULL COMMENT '申请人用户 ID',

services/user-service/deploy/mysql/migrations/014_host_center_engagement_stats.sql

@@ -0,0 +1,23 @@
+USE hyapp_user;
+
+CREATE TABLE IF NOT EXISTS user_follow_events (
+  app_code VARCHAR(32) NOT NULL DEFAULT 'lalu' COMMENT '应用编码，用于多租户隔离',
+  event_id BIGINT NOT NULL AUTO_INCREMENT COMMENT '关注状态变化事件 ID',
+  follower_user_id BIGINT NOT NULL COMMENT '关注人用户 ID',
+  followee_user_id BIGINT NOT NULL COMMENT '被关注人用户 ID',
+  delta TINYINT NOT NULL COMMENT '关注 +1，取消关注 -1',
+  occurred_at_ms BIGINT NOT NULL COMMENT '事件时间，UTC epoch ms',
+  PRIMARY KEY (event_id),
+  KEY idx_user_follow_events_followee_time (app_code, followee_user_id, occurred_at_ms, event_id)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='用户关注净增统计事件表';
+
+CREATE TABLE IF NOT EXISTS user_private_message_events (
+  app_code VARCHAR(32) NOT NULL DEFAULT 'lalu' COMMENT '应用编码，用于多租户隔离',
+  event_id VARCHAR(128) NOT NULL COMMENT '腾讯 IM 私信事件幂等 ID',
+  sender_user_id BIGINT NOT NULL COMMENT '消息发送用户 ID',
+  target_user_id BIGINT NOT NULL COMMENT '消息接收用户 ID',
+  occurred_at_ms BIGINT NOT NULL COMMENT '发送时间，UTC epoch ms',
+  created_at_ms BIGINT NOT NULL COMMENT '落库时间，UTC epoch ms',
+  PRIMARY KEY (app_code, event_id),
+  KEY idx_private_message_target_time (app_code, target_user_id, occurred_at_ms, sender_user_id)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='用户私信发送事实，仅保存统计字段';

services/user-service/internal/domain/host/stats.go

@@ -0,0 +1,25 @@
+package host
+
+// EngagementStats 聚合 user-service 拥有的 App 在线、有效麦时、私信发送者和粉丝净增事实。
+type EngagementStats struct {
+	OnlineDurationMS      int64
+	ValidMicDurationMS    int64
+	ValidMicDays          int64
+	PrivateMessageSenders int64
+	NewFollowers          int64
+}
+
+// EngagementStatsQuery 使用左闭右开 UTC 毫秒区间，避免跨页/跨日查询重复统计边界事件。
+type EngagementStatsQuery struct {
+	HostUserID int64
+	StartAtMS  int64
+	EndAtMS    int64
+}
+
+// PrivateMessageEvent 是腾讯 IM 已发送私信的最小可审计事实，不保存消息正文。
+type PrivateMessageEvent struct {
+	EventID      string
+	SenderUserID int64
+	TargetUserID int64
+	OccurredAtMS int64
+}

services/user-service/internal/service/host/service.go

@@ -57,6 +57,8 @@ type Repository interface {
 	HasActiveManagerCapability(ctx context.Context, userID int64, capability string) (bool, error)
 	ListAgencyMembers(ctx context.Context, agencyID int64, status string) ([]hostdomain.AgencyMembership, error)
 	ListAgencyApplications(ctx context.Context, agencyID int64, status string) ([]hostdomain.AgencyApplication, error)
+	GetHostEngagementStats(ctx context.Context, query hostdomain.EngagementStatsQuery) (hostdomain.EngagementStats, error)
+	RecordPrivateMessageEvent(ctx context.Context, event hostdomain.PrivateMessageEvent) (bool, error)
 }
 
 // IDGenerator 生成 Host 领域内部事实 ID。

services/user-service/internal/service/host/stats.go

@@ -0,0 +1,38 @@
+package host
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	"hyapp/pkg/xerr"
+	hostdomain "hyapp/services/user-service/internal/domain/host"
+)
+
+const maxHostStatsRange = 366 * 24 * time.Hour
+
+// GetHostEngagementStats 读取 user-service 拥有的统计事实；收益和送礼人数由 wallet-service 聚合。
+func (s *Service) GetHostEngagementStats(ctx context.Context, query hostdomain.EngagementStatsQuery) (hostdomain.EngagementStats, error) {
+	if s.repository == nil {
+		return hostdomain.EngagementStats{}, xerr.New(xerr.Unavailable, "host repository is not configured")
+	}
+	if query.HostUserID <= 0 || query.StartAtMS <= 0 || query.EndAtMS <= query.StartAtMS {
+		return hostdomain.EngagementStats{}, xerr.New(xerr.InvalidArgument, "host stats range is invalid")
+	}
+	if query.EndAtMS-query.StartAtMS > int64(maxHostStatsRange/time.Millisecond) {
+		return hostdomain.EngagementStats{}, xerr.New(xerr.InvalidArgument, "host stats range is too large")
+	}
+	return s.repository.GetHostEngagementStats(ctx, query)
+}
+
+// RecordPrivateMessageEvent 只保存发送者、接收者和事件时间；消息正文不进入统计库。
+func (s *Service) RecordPrivateMessageEvent(ctx context.Context, event hostdomain.PrivateMessageEvent) (bool, error) {
+	if s.repository == nil {
+		return false, xerr.New(xerr.Unavailable, "host repository is not configured")
+	}
+	event.EventID = strings.TrimSpace(event.EventID)
+	if event.EventID == "" || len(event.EventID) > 128 || event.SenderUserID <= 0 || event.TargetUserID <= 0 || event.OccurredAtMS <= 0 {
+		return false, xerr.New(xerr.InvalidArgument, "private message event is invalid")
+	}
+	return s.repository.RecordPrivateMessageEvent(ctx, event)
+}

services/user-service/internal/storage/mysql/host/stats.go

@@ -0,0 +1,144 @@
+package host
+
+import (
+	"context"
+	"time"
+
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	hostdomain "hyapp/services/user-service/internal/domain/host"
+)
+
+const validMicDayThresholdMS = int64(time.Hour / time.Millisecond)
+
+// GetHostEngagementStats 聚合 user-service 自己拥有的事实表，不从当前 Agency 关系反推历史归属。
+func (r *Repository) GetHostEngagementStats(ctx context.Context, query hostdomain.EngagementStatsQuery) (hostdomain.EngagementStats, error) {
+	if r == nil || r.db == nil {
+		return hostdomain.EngagementStats{}, xerr.New(xerr.Unavailable, "mysql repository is not configured")
+	}
+	stats := hostdomain.EngagementStats{}
+	appCode := appcode.FromContext(ctx)
+	startDate := time.UnixMilli(query.StartAtMS).UTC().Format("2006-01-02")
+	endDate := time.UnixMilli(query.EndAtMS - 1).UTC().Format("2006-01-02")
+
+	if err := r.db.QueryRowContext(ctx, `
+		SELECT COALESCE(SUM(mic_online_ms), 0),
+		       COALESCE(SUM(CASE WHEN mic_online_ms >= ? THEN 1 ELSE 0 END), 0)
+		FROM user_mic_daily_stats
+		WHERE app_code = ? AND user_id = ? AND stat_date BETWEEN ? AND ?`,
+		validMicDayThresholdMS, appCode, query.HostUserID, startDate, endDate,
+	).Scan(&stats.ValidMicDurationMS, &stats.ValidMicDays); err != nil {
+		return hostdomain.EngagementStats{}, err
+	}
+
+	if err := r.db.QueryRowContext(ctx, `
+		SELECT COUNT(DISTINCT sender_user_id)
+		FROM user_private_message_events
+		WHERE app_code = ? AND target_user_id = ? AND occurred_at_ms >= ? AND occurred_at_ms < ?`,
+		appCode, query.HostUserID, query.StartAtMS, query.EndAtMS,
+	).Scan(&stats.PrivateMessageSenders); err != nil {
+		return hostdomain.EngagementStats{}, err
+	}
+
+	if err := r.db.QueryRowContext(ctx, `
+		SELECT COALESCE(SUM(delta), 0)
+		FROM user_follow_events
+		WHERE app_code = ? AND followee_user_id = ? AND occurred_at_ms >= ? AND occurred_at_ms < ?`,
+		appCode, query.HostUserID, query.StartAtMS, query.EndAtMS,
+	).Scan(&stats.NewFollowers); err != nil {
+		return hostdomain.EngagementStats{}, err
+	}
+
+	onlineMS, err := r.hostOnlineDuration(ctx, query)
+	if err != nil {
+		return hostdomain.EngagementStats{}, err
+	}
+	stats.OnlineDurationMS = onlineMS
+	return stats, nil
+}
+
+// hostOnlineDuration 按每天“最早会话开始到最后一次心跳”累计；多设备/多 session 不重复相加。
+func (r *Repository) hostOnlineDuration(ctx context.Context, query hostdomain.EngagementStatsQuery) (int64, error) {
+	rows, err := r.db.QueryContext(ctx, `
+		SELECT created_at_ms, last_heartbeat_at_ms
+		FROM auth_sessions
+		WHERE app_code = ? AND user_id = ?
+		  AND last_heartbeat_at_ms >= ? AND created_at_ms < ?`,
+		appcode.FromContext(ctx), query.HostUserID, query.StartAtMS, query.EndAtMS,
+	)
+	if err != nil {
+		return 0, err
+	}
+	defer rows.Close()
+
+	type daySpan struct{ first, last int64 }
+	spans := map[string]daySpan{}
+	for rows.Next() {
+		var startedAtMS, heartbeatAtMS int64
+		if err := rows.Scan(&startedAtMS, &heartbeatAtMS); err != nil {
+			return 0, err
+		}
+		start := maxInt64(startedAtMS, query.StartAtMS)
+		end := minInt64(heartbeatAtMS, query.EndAtMS-1)
+		if end < start {
+			continue
+		}
+		for day := utcDayStart(start); day <= utcDayStart(end); day += int64(24 * time.Hour / time.Millisecond) {
+			segmentStart := maxInt64(start, day)
+			segmentEnd := minInt64(end, day+int64(24*time.Hour/time.Millisecond)-1)
+			key := time.UnixMilli(day).UTC().Format("2006-01-02")
+			span, exists := spans[key]
+			if !exists || segmentStart < span.first {
+				span.first = segmentStart
+			}
+			if !exists || segmentEnd > span.last {
+				span.last = segmentEnd
+			}
+			spans[key] = span
+		}
+	}
+	if err := rows.Err(); err != nil {
+		return 0, err
+	}
+	var total int64
+	for _, span := range spans {
+		if span.last >= span.first {
+			total += span.last - span.first
+		}
+	}
+	return total, nil
+}
+
+// RecordPrivateMessageEvent 用 app_code + event_id 幂等，不保存消息正文或扩展负载。
+func (r *Repository) RecordPrivateMessageEvent(ctx context.Context, event hostdomain.PrivateMessageEvent) (bool, error) {
+	result, err := r.db.ExecContext(ctx, `
+		INSERT IGNORE INTO user_private_message_events (
+		  app_code, event_id, sender_user_id, target_user_id, occurred_at_ms, created_at_ms
+		) VALUES (?, ?, ?, ?, ?, ?)`,
+		appcode.FromContext(ctx), event.EventID, event.SenderUserID, event.TargetUserID, event.OccurredAtMS, time.Now().UTC().UnixMilli(),
+	)
+	if err != nil {
+		return false, err
+	}
+	rows, err := result.RowsAffected()
+	return rows > 0, err
+}
+
+func utcDayStart(value int64) int64 {
+	t := time.UnixMilli(value).UTC()
+	return time.Date(t.Year(), t.Month(), t.Day(), 0, 0, 0, 0, time.UTC).UnixMilli()
+}
+
+func minInt64(left, right int64) int64 {
+	if left < right {
+		return left
+	}
+	return right
+}
+
+func maxInt64(left, right int64) int64 {
+	if left > right {
+		return left
+	}
+	return right
+}

services/user-service/internal/storage/mysql/host/stats_test.go

@@ -0,0 +1,55 @@
+package host
+
+import (
+	"context"
+	"regexp"
+	"testing"
+
+	"github.com/DATA-DOG/go-sqlmock"
+	"hyapp/pkg/appcode"
+	hostdomain "hyapp/services/user-service/internal/domain/host"
+)
+
+func TestGetHostEngagementStatsAggregatesOwnedFacts(t *testing.T) {
+	db, mock, err := sqlmock.New()
+	if err != nil {
+		t.Fatalf("create sqlmock: %v", err)
+	}
+	defer db.Close()
+
+	mock.ExpectQuery("FROM user_mic_daily_stats").
+		WithArgs(validMicDayThresholdMS, "fami", int64(42), "2026-07-06", "2026-07-12").
+		WillReturnRows(sqlmock.NewRows([]string{"mic_ms", "valid_days"}).AddRow(int64(5400000), int64(1)))
+	mock.ExpectQuery("FROM user_private_message_events").
+		WithArgs("fami", int64(42), int64(1783296000000), int64(1783900800000)).
+		WillReturnRows(sqlmock.NewRows([]string{"senders"}).AddRow(int64(6)))
+	mock.ExpectQuery("FROM user_follow_events").
+		WithArgs("fami", int64(42), int64(1783296000000), int64(1783900800000)).
+		WillReturnRows(sqlmock.NewRows([]string{"followers"}).AddRow(int64(4)))
+	mock.ExpectQuery(regexp.QuoteMeta(`
+		SELECT created_at_ms, last_heartbeat_at_ms
+		FROM auth_sessions
+		WHERE app_code = ? AND user_id = ?
+		  AND last_heartbeat_at_ms >= ? AND created_at_ms < ?`)).
+		WithArgs("fami", int64(42), int64(1783296000000), int64(1783900800000)).
+		WillReturnRows(sqlmock.NewRows([]string{"created_at_ms", "last_heartbeat_at_ms"}).
+			AddRow(int64(1783299600000), int64(1783303200000)).
+			AddRow(int64(1783301400000), int64(1783306800000)))
+
+	repo := New(db)
+	stats, err := repo.GetHostEngagementStats(appcode.WithContext(context.Background(), "fami"), hostdomain.EngagementStatsQuery{
+		HostUserID: 42,
+		StartAtMS:  1783296000000,
+		EndAtMS:    1783900800000,
+	})
+	if err != nil {
+		t.Fatalf("GetHostEngagementStats failed: %v", err)
+	}
+	// 两个重叠 session 按当天最早开始到最晚心跳合并，不能相加成重复在线时长。
+	if stats.OnlineDurationMS != 7200000 || stats.ValidMicDurationMS != 5400000 || stats.ValidMicDays != 1 || stats.PrivateMessageSenders != 6 || stats.NewFollowers != 4 {
+		t.Fatalf("unexpected engagement stats: %+v", stats)
+	}
+	if err := mock.ExpectationsWereMet(); err != nil {
+		t.Fatalf("unmet SQL expectations: %v", err)
+	}
+}

services/user-service/internal/storage/mysql/user/social_repository.go

@@ -136,6 +136,15 @@ func (r *Repository) FollowUser(ctx context.Context, followerUserID int64, follo
 		}
 	}
 	if shouldIncrement {
+		// 新增粉丝按事件净增统计；状态未变化的重复关注不写事件，避免客户端重试重复 +1。
+		if _, err := tx.ExecContext(ctx, `
+			INSERT INTO user_follow_events (
+			  app_code, follower_user_id, followee_user_id, delta, occurred_at_ms
+			) VALUES (?, ?, ?, 1, ?)`,
+			appCode, followerUserID, followeeUserID, nowMs,
+		); err != nil {
+			return userdomain.ProfileStats{}, err
+		}
 		if _, err := tx.ExecContext(ctx, `
 			UPDATE user_profile_stats
 			SET following_count = following_count + 1, updated_at_ms = ?
@@ -176,6 +185,15 @@ func (r *Repository) UnfollowUser(ctx context.Context, followerUserID int64, fol
 		); err != nil {
 			return userdomain.ProfileStats{}, err
 		}
+		// 取消关注写 -1，确保筛选区间内的新增粉丝展示为净增而不是只累计关注动作。
+		if _, err := tx.ExecContext(ctx, `
+			INSERT INTO user_follow_events (
+			  app_code, follower_user_id, followee_user_id, delta, occurred_at_ms
+			) VALUES (?, ?, ?, -1, ?)`,
+			appCode, followerUserID, followeeUserID, nowMs,
+		); err != nil {
+			return userdomain.ProfileStats{}, err
+		}
 		if _, err := tx.ExecContext(ctx, `
 			UPDATE user_profile_stats
 			SET following_count = GREATEST(following_count - 1, 0), updated_at_ms = ?

services/user-service/internal/transport/grpc/host_stats.go

@@ -0,0 +1,50 @@
+package grpc
+
+import (
+	"context"
+
+	userv1 "hyapp.local/api/proto/user/v1"
+	"hyapp/pkg/xerr"
+	hostdomain "hyapp/services/user-service/internal/domain/host"
+)
+
+// GetHostEngagementStats 返回 user-service 拥有的主播互动统计；调用方不能提交聚合值。
+func (s *Server) GetHostEngagementStats(ctx context.Context, req *userv1.GetHostEngagementStatsRequest) (*userv1.GetHostEngagementStatsResponse, error) {
+	if s.hostSvc == nil {
+		return nil, xerr.ToGRPCError(xerr.New(xerr.Unavailable, "host service is not configured"))
+	}
+	ctx = contextWithApp(ctx, req.GetMeta())
+	stats, err := s.hostSvc.GetHostEngagementStats(ctx, hostdomain.EngagementStatsQuery{
+		HostUserID: req.GetHostUserId(),
+		StartAtMS:  req.GetStartAtMs(),
+		EndAtMS:    req.GetEndAtMs(),
+	})
+	if err != nil {
+		return nil, xerr.ToGRPCError(err)
+	}
+	return &userv1.GetHostEngagementStatsResponse{Stats: &userv1.HostEngagementStats{
+		OnlineDurationMs:      stats.OnlineDurationMS,
+		ValidMicDurationMs:    stats.ValidMicDurationMS,
+		ValidMicDays:          stats.ValidMicDays,
+		PrivateMessageSenders: stats.PrivateMessageSenders,
+		NewFollowers:          stats.NewFollowers,
+	}}, nil
+}
+
+// RecordPrivateMessageEvent 只接受 gateway 已鉴权回调产生的最小事件事实。
+func (s *Server) RecordPrivateMessageEvent(ctx context.Context, req *userv1.RecordPrivateMessageEventRequest) (*userv1.RecordPrivateMessageEventResponse, error) {
+	if s.hostSvc == nil {
+		return nil, xerr.ToGRPCError(xerr.New(xerr.Unavailable, "host service is not configured"))
+	}
+	ctx = contextWithApp(ctx, req.GetMeta())
+	created, err := s.hostSvc.RecordPrivateMessageEvent(ctx, hostdomain.PrivateMessageEvent{
+		EventID:      req.GetEventId(),
+		SenderUserID: req.GetSenderUserId(),
+		TargetUserID: req.GetTargetUserId(),
+		OccurredAtMS: req.GetOccurredAtMs(),
+	})
+	if err != nil {
+		return nil, xerr.ToGRPCError(err)
+	}
+	return &userv1.RecordPrivateMessageEventResponse{Created: created}, nil
+}

services/wallet-service/deploy/mysql/initdb/001_wallet_service.sql

@@ -131,6 +131,7 @@ CREATE TABLE IF NOT EXISTS wallet_policy_instances (
   effective_to_ms BIGINT NOT NULL DEFAULT 0 COMMENT '0 表示长期有效',
   host_point_asset_type VARCHAR(32) NOT NULL DEFAULT 'POINT' COMMENT '主播收益积分资产',
   host_point_ratio_ppm BIGINT NOT NULL DEFAULT 700000 COMMENT '有效付费礼物转 POINT 比例，ppm',
+  agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT '有效付费礼物给 Agency owner 的 POINT 分成比例，ppm',
   points_per_usd BIGINT NOT NULL DEFAULT 100000 COMMENT 'POINT/USD 展示换算比例',
   withdraw_fee_bps INT NOT NULL DEFAULT 500 COMMENT '提现手续费 bps',
   rule_json JSON NOT NULL COMMENT '完整政策快照',
@@ -142,6 +143,41 @@ CREATE TABLE IF NOT EXISTS wallet_policy_instances (
   KEY idx_wallet_policy_active (app_code, region_id, status, effective_from_ms, effective_to_ms)
 ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='钱包运行侧收益政策实例表';
 
+-- 三套 App 共享同一张配置表，但 app_code 是主键的一部分；新 App 只需配置数据，不再复制表和业务代码。
+-- 未配置任何 active 行时 H5 币商提现入口显示为空，不能用伪造默认币商兜底。
+CREATE TABLE IF NOT EXISTS point_withdrawal_coin_seller_configs (
+  app_code VARCHAR(32) NOT NULL COMMENT '应用编码',
+  seller_user_id BIGINT NOT NULL COMMENT '币商用户 ID',
+  sort_order INT NOT NULL DEFAULT 0 COMMENT '展示顺序，越小越靠前',
+  point_amount BIGINT NOT NULL COMMENT '兑换比例中的 POINT 分母',
+  seller_coin_amount BIGINT NOT NULL COMMENT '兑换比例中的币商金币分子',
+  service_country_codes JSON NOT NULL COMMENT '服务国家码数组；空数组表示不限国家',
+  status VARCHAR(24) NOT NULL DEFAULT 'active' COMMENT 'active/disabled',
+  created_by_admin_id BIGINT UNSIGNED NOT NULL DEFAULT 0,
+  updated_by_admin_id BIGINT UNSIGNED NOT NULL DEFAULT 0,
+  created_at_ms BIGINT NOT NULL,
+  updated_at_ms BIGINT NOT NULL,
+  PRIMARY KEY (app_code, seller_user_id),
+  KEY idx_point_withdraw_seller_list (app_code, status, sort_order, seller_user_id)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='POINT 提现币商白名单与兑换比例';
+
+-- Agency 分成独立流水同时承担归属快照和审计依据；不能按当前成员关系反推历史收益。
+CREATE TABLE IF NOT EXISTS agency_point_share_entries (
+  app_code VARCHAR(32) NOT NULL DEFAULT 'lalu' COMMENT '应用编码，用于多租户隔离',
+  transaction_id VARCHAR(96) NOT NULL COMMENT '礼物钱包交易 ID',
+  host_user_id BIGINT NOT NULL COMMENT '收礼主播用户 ID 快照',
+  agency_owner_user_id BIGINT NOT NULL COMMENT '送礼时 Agency owner 用户 ID 快照',
+  sender_user_id BIGINT NOT NULL COMMENT '送礼用户 ID',
+  room_id VARCHAR(96) NOT NULL DEFAULT '' COMMENT '房间 ID，私聊送礼为空',
+  point_delta BIGINT NOT NULL COMMENT 'Agency owner 本次 POINT 分成',
+  ratio_ppm BIGINT NOT NULL COMMENT 'Agency 分成比例快照',
+  policy_instance_code VARCHAR(96) NOT NULL DEFAULT '' COMMENT '收益策略实例快照',
+  created_at_ms BIGINT NOT NULL COMMENT '创建时间，UTC epoch ms',
+  PRIMARY KEY (app_code, transaction_id, agency_owner_user_id),
+  KEY idx_agency_point_share_owner_time (app_code, agency_owner_user_id, created_at_ms),
+  KEY idx_agency_point_share_host_time (app_code, host_user_id, created_at_ms)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='Agency POINT 礼物分成流水';
+
 -- 主播工资周期钻石账户：只记录政策结算用累计值，不作为用户可消费或可提现的钱包资产。
 -- cycle_key 当前固定为 UTC yyyy-MM；后续日结/半月结不清空该账户，月末清算任务按策略处理。
 CREATE TABLE IF NOT EXISTS host_period_diamond_accounts (

services/wallet-service/internal/domain/ledger/agency_host_gift_stats.go

@@ -0,0 +1,12 @@
+package ledger
+
+type AgencyHostGiftStats struct {
+	GiftIncome      int64
+	GiftedHostCount int64
+}
+
+type AgencyHostGiftStatsQuery struct {
+	HostUserIDs []int64
+	StartAtMS   int64
+	EndAtMS     int64
+}

services/wallet-service/internal/domain/ledger/agency_point_share_stats.go

@@ -0,0 +1,13 @@
+package ledger
+
+// AgencyPointShareStats 聚合送礼时已固化归属的 Agency POINT 分成。
+type AgencyPointShareStats struct {
+	ShareIncome     int64
+	GiftedHostCount int64
+}
+
+type AgencyPointShareStatsQuery struct {
+	AgencyOwnerUserID int64
+	StartAtMS         int64
+	EndAtMS           int64
+}

services/wallet-service/internal/domain/ledger/host_revenue_stats.go

@@ -0,0 +1,15 @@
+package ledger
+
+// HostRevenueStats 是主播中心按日期展示的 POINT 收益、已兑换数量和去重送礼人数。
+type HostRevenueStats struct {
+	DiamondEarnings  int64
+	DiamondExchanged int64
+	GiftSenders      int64
+}
+
+// HostRevenueStatsQuery 使用左闭右开 UTC 毫秒区间；调用方必须限制区间长度。
+type HostRevenueStatsQuery struct {
+	HostUserID int64
+	StartAtMS  int64
+	EndAtMS    int64
+}

services/wallet-service/internal/domain/ledger/point_coin_seller.go

@@ -0,0 +1,48 @@
+package ledger
+
+// PointWithdrawalCoinSellerConfig 是 POINT 提现可选币商及其服务范围、兑换比例的运行快照。
+type PointWithdrawalCoinSellerConfig struct {
+	AppCode             string
+	SellerUserID        int64
+	SortOrder           int
+	PointAmount         int64
+	SellerCoinAmount    int64
+	ServiceCountryCodes []string
+	Status              string
+	CreatedAtMS         int64
+	UpdatedAtMS         int64
+}
+
+// PointToCoinSellerCommand 只接受用户、目标和金额；比例必须由 wallet 数据库的 active 白名单解析。
+type PointToCoinSellerCommand struct {
+	AppCode           string
+	CommandID         string
+	SourceUserID      int64
+	SellerUserID      int64
+	PointAmount       int64
+	SourceCountryCode string
+	Reason            string
+}
+
+// PointToCoinSellerReceipt 是 POINT 扣款和币商库存入账的双边稳定回执。
+type PointToCoinSellerReceipt struct {
+	TransactionID           string
+	SourceUserID            int64
+	SellerUserID            int64
+	SourcePointBalanceAfter int64
+	SellerBalanceAfter      int64
+	PointAmount             int64
+	SellerCoinAmount        int64
+	RatioPointAmount        int64
+	RatioSellerCoinAmount   int64
+	CreatedAtMS             int64
+}
+
+// PointWithdrawalRuntimeConfig 是已发布政策中钱包页需要展示并用于冻结的参数。
+type PointWithdrawalRuntimeConfig struct {
+	Found              bool
+	PointsPerUSD       int64
+	FeeBPS             int64
+	MinimumPoints      int64
+	PolicyInstanceCode string
+}

services/wallet-service/internal/service/wallet/agency_host_gift_stats.go

@@ -0,0 +1,31 @@
+package wallet
+
+import (
+	"context"
+	"time"
+
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+const maxAgencyHostGiftStatsRange = 366 * 24 * time.Hour
+
+func (s *Service) GetAgencyHostGiftStats(ctx context.Context, appCode string, query ledger.AgencyHostGiftStatsQuery) (ledger.AgencyHostGiftStats, error) {
+	if s.repository == nil {
+		return ledger.AgencyHostGiftStats{}, xerr.New(xerr.Unavailable, "wallet repository is not configured")
+	}
+	if len(query.HostUserIDs) > 1000 || query.StartAtMS <= 0 || query.EndAtMS <= query.StartAtMS {
+		return ledger.AgencyHostGiftStats{}, xerr.New(xerr.InvalidArgument, "agency host gift stats range is invalid")
+	}
+	for _, userID := range query.HostUserIDs {
+		if userID <= 0 {
+			return ledger.AgencyHostGiftStats{}, xerr.New(xerr.InvalidArgument, "host_user_ids is invalid")
+		}
+	}
+	if query.EndAtMS-query.StartAtMS > int64(maxAgencyHostGiftStatsRange/time.Millisecond) {
+		return ledger.AgencyHostGiftStats{}, xerr.New(xerr.InvalidArgument, "agency host gift stats range is too large")
+	}
+	ctx = appcode.WithContext(ctx, appcode.Normalize(appCode))
+	return s.repository.GetAgencyHostGiftStats(ctx, query)
+}

services/wallet-service/internal/service/wallet/agency_point_share_stats.go

@@ -0,0 +1,26 @@
+package wallet
+
+import (
+	"context"
+	"time"
+
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+const maxAgencyPointShareStatsRange = 366 * 24 * time.Hour
+
+func (s *Service) GetAgencyPointShareStats(ctx context.Context, appCode string, query ledger.AgencyPointShareStatsQuery) (ledger.AgencyPointShareStats, error) {
+	if s.repository == nil {
+		return ledger.AgencyPointShareStats{}, xerr.New(xerr.Unavailable, "wallet repository is not configured")
+	}
+	if query.AgencyOwnerUserID <= 0 || query.StartAtMS <= 0 || query.EndAtMS <= query.StartAtMS {
+		return ledger.AgencyPointShareStats{}, xerr.New(xerr.InvalidArgument, "agency point share stats range is invalid")
+	}
+	if query.EndAtMS-query.StartAtMS > int64(maxAgencyPointShareStatsRange/time.Millisecond) {
+		return ledger.AgencyPointShareStats{}, xerr.New(xerr.InvalidArgument, "agency point share stats range is too large")
+	}
+	ctx = appcode.WithContext(ctx, appcode.Normalize(appCode))
+	return s.repository.GetAgencyPointShareStats(ctx, query)
+}

services/wallet-service/internal/service/wallet/host_revenue_stats.go

@@ -0,0 +1,27 @@
+package wallet
+
+import (
+	"context"
+	"time"
+
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+const maxHostRevenueStatsRange = 366 * 24 * time.Hour
+
+// GetHostRevenueStats 聚合钱包 owner 内的 POINT 收益/兑换和去重送礼人，不让 gateway 扫账本。
+func (s *Service) GetHostRevenueStats(ctx context.Context, appCode string, query ledger.HostRevenueStatsQuery) (ledger.HostRevenueStats, error) {
+	if s.repository == nil {
+		return ledger.HostRevenueStats{}, xerr.New(xerr.Unavailable, "wallet repository is not configured")
+	}
+	if query.HostUserID <= 0 || query.StartAtMS <= 0 || query.EndAtMS <= query.StartAtMS {
+		return ledger.HostRevenueStats{}, xerr.New(xerr.InvalidArgument, "host revenue stats range is invalid")
+	}
+	if query.EndAtMS-query.StartAtMS > int64(maxHostRevenueStatsRange/time.Millisecond) {
+		return ledger.HostRevenueStats{}, xerr.New(xerr.InvalidArgument, "host revenue stats range is too large")
+	}
+	ctx = appcode.WithContext(ctx, appcode.Normalize(appCode))
+	return s.repository.GetHostRevenueStats(ctx, query)
+}

services/wallet-service/internal/service/wallet/point_coin_seller.go

@@ -0,0 +1,56 @@
+package wallet
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+// ListPointWithdrawalCoinSellers 返回服务端过滤后的币商白名单；国家由可信用户资料提供而不是客户端表单。
+func (s *Service) ListPointWithdrawalCoinSellers(ctx context.Context, appCode string, countryCode string, includeDisabled bool) ([]ledger.PointWithdrawalCoinSellerConfig, error) {
+	if strings.TrimSpace(appCode) == "" {
+		return nil, xerr.New(xerr.InvalidArgument, "app_code is required")
+	}
+	if s.repository == nil {
+		return nil, xerr.New(xerr.Unavailable, "wallet repository is not configured")
+	}
+	appCode = appcode.Normalize(appCode)
+	return s.repository.ListPointWithdrawalCoinSellers(appcode.WithContext(ctx, appCode), appCode, strings.ToUpper(strings.TrimSpace(countryCode)), includeDisabled)
+}
+
+// TransferPointToCoinSeller 验证客户端允许提交的最小字段；兑换比例由 repository 事务内锁定配置解析。
+func (s *Service) TransferPointToCoinSeller(ctx context.Context, command ledger.PointToCoinSellerCommand) (ledger.PointToCoinSellerReceipt, error) {
+	if strings.TrimSpace(command.AppCode) == "" || strings.TrimSpace(command.CommandID) == "" || command.SourceUserID <= 0 || command.SellerUserID <= 0 || command.PointAmount <= 0 {
+		return ledger.PointToCoinSellerReceipt{}, xerr.New(xerr.InvalidArgument, "point coin seller transfer command is incomplete")
+	}
+	command.AppCode = appcode.Normalize(command.AppCode)
+	command.CommandID = strings.TrimSpace(command.CommandID)
+	command.SourceCountryCode = strings.ToUpper(strings.TrimSpace(command.SourceCountryCode))
+	command.Reason = strings.TrimSpace(command.Reason)
+	if len(command.CommandID) > 128 || len(command.SourceCountryCode) > 16 || len(command.Reason) > 512 {
+		return ledger.PointToCoinSellerReceipt{}, xerr.New(xerr.InvalidArgument, "point coin seller transfer text fields are too long")
+	}
+	if s.repository == nil {
+		return ledger.PointToCoinSellerReceipt{}, xerr.New(xerr.Unavailable, "wallet repository is not configured")
+	}
+	return s.repository.TransferPointToCoinSeller(appcode.WithContext(ctx, command.AppCode), command)
+}
+
+// GetPointWithdrawalConfig 读取已发布政策快照；nowMS 由服务端补齐，避免客户端选择历史政策。
+func (s *Service) GetPointWithdrawalConfig(ctx context.Context, appCode string, regionID int64, nowMS int64) (ledger.PointWithdrawalRuntimeConfig, error) {
+	if strings.TrimSpace(appCode) == "" || regionID < 0 {
+		return ledger.PointWithdrawalRuntimeConfig{}, xerr.New(xerr.InvalidArgument, "point withdrawal config query is invalid")
+	}
+	if s.repository == nil {
+		return ledger.PointWithdrawalRuntimeConfig{}, xerr.New(xerr.Unavailable, "wallet repository is not configured")
+	}
+	if nowMS <= 0 {
+		nowMS = time.Now().UnixMilli()
+	}
+	appCode = appcode.Normalize(appCode)
+	return s.repository.GetPointWithdrawalConfig(appcode.WithContext(ctx, appCode), appCode, regionID, nowMS)
+}

services/wallet-service/internal/service/wallet/point_withdrawal.go

@@ -10,12 +10,11 @@ import (
 )
 
 const (
-	defaultPointWithdrawalFeeBPS       int64 = 500
 	defaultPointWithdrawalPointsPerUSD int64 = 100000
 	minPointWithdrawalGrossPoints      int64 = 1000000
 )
 
-// FreezePointWithdrawal 把 Huwaa 收益积分从 available 冻结到 frozen；它复用钱包单边冻结账本，但不开放旧工资资产。
+// FreezePointWithdrawal 把已启用 App 的收益积分从 available 冻结到 frozen；gateway 必须先读取已发布政策快照。
 func (s *Service) FreezePointWithdrawal(ctx context.Context, command ledger.PointWithdrawalCommand) (ledger.PointWithdrawalReceipt, error) {
 	if err := normalizePointWithdrawalCommand(&command, false); err != nil {
 		return ledger.PointWithdrawalReceipt{}, err
@@ -83,9 +82,13 @@ func normalizePointWithdrawalCommand(command *ledger.PointWithdrawalCommand, req
 		return xerr.New(xerr.InvalidArgument, "operator_user_id is required")
 	}
 	command.CommandID = strings.TrimSpace(command.CommandID)
+	if strings.TrimSpace(command.AppCode) == "" {
+		return xerr.New(xerr.InvalidArgument, "app_code is required")
+	}
 	command.AppCode = appcode.Normalize(command.AppCode)
-	if command.AppCode != "huwaa" {
+	if command.AppCode != "huwaa" && command.AppCode != "fami" {
-		return xerr.New(xerr.InvalidArgument, "point withdrawal is only enabled for huwaa")
+		// Lalu 继续使用旧公会工资提现链路；只有显式迁移到 POINT 钱包的 App 才能调用本接口。
+		return xerr.New(xerr.InvalidArgument, "point withdrawal is not enabled for app")
 	}
 	command.AssetType = strings.ToUpper(strings.TrimSpace(command.AssetType))
 	if !ledger.ValidPointWithdrawalAssetType(command.AssetType) {
@@ -97,9 +100,6 @@ func normalizePointWithdrawalCommand(command *ledger.PointWithdrawalCommand, req
 	if command.PointsPerUSD <= 0 {
 		command.PointsPerUSD = defaultPointWithdrawalPointsPerUSD
 	}
-	if command.FeeBPS <= 0 {
-		command.FeeBPS = defaultPointWithdrawalFeeBPS
-	}
 	if command.FeeBPS < 0 || command.FeeBPS > 10000 {
 		return xerr.New(xerr.InvalidArgument, "point withdrawal fee_bps is invalid")
 	}

services/wallet-service/internal/service/wallet/ports/repository.go

@@ -55,6 +55,9 @@ type HostSalaryStore interface {
 	GetActiveHostSalaryPolicy(ctx context.Context, regionID int64, settlementMode string, triggerMode string, nowMs int64) (ledger.HostSalaryPolicy, bool, error)
 	GetHostSalaryProgress(ctx context.Context, userID int64, cycleKey string) (ledger.HostSalaryProgress, error)
 	GetTeamHostSalaryStats(ctx context.Context, query ledger.TeamHostSalaryStatsQuery) ([]ledger.TeamHostSalaryCycleStat, error)
+	GetHostRevenueStats(ctx context.Context, query ledger.HostRevenueStatsQuery) (ledger.HostRevenueStats, error)
+	GetAgencyPointShareStats(ctx context.Context, query ledger.AgencyPointShareStatsQuery) (ledger.AgencyPointShareStats, error)
+	GetAgencyHostGiftStats(ctx context.Context, query ledger.AgencyHostGiftStatsQuery) (ledger.AgencyHostGiftStats, error)
 	ProcessHostSalarySettlementBatch(ctx context.Context, command ledger.HostSalarySettlementBatchCommand) (ledger.HostSalarySettlementBatchResult, error)
 }
 
@@ -66,6 +69,9 @@ type CoinSellerStore interface {
 	ListCoinSellerSalaryExchangeRateTiers(ctx context.Context, appCode string, regionID int64, includeDisabled bool) ([]ledger.CoinSellerSalaryExchangeRateTier, error)
 	ExchangeSalaryToCoin(ctx context.Context, command ledger.SalaryExchangeCommand) (ledger.SalaryExchangeReceipt, error)
 	TransferSalaryToCoinSeller(ctx context.Context, command ledger.SalaryTransferToCoinSellerCommand) (ledger.SalaryTransferToCoinSellerReceipt, error)
+	ListPointWithdrawalCoinSellers(ctx context.Context, appCode string, countryCode string, includeDisabled bool) ([]ledger.PointWithdrawalCoinSellerConfig, error)
+	TransferPointToCoinSeller(ctx context.Context, command ledger.PointToCoinSellerCommand) (ledger.PointToCoinSellerReceipt, error)
+	GetPointWithdrawalConfig(ctx context.Context, appCode string, regionID int64, nowMS int64) (ledger.PointWithdrawalRuntimeConfig, error)
 	FreezeSalaryWithdrawal(ctx context.Context, command ledger.SalaryWithdrawalCommand) (ledger.SalaryWithdrawalReceipt, error)
 	SettleSalaryWithdrawal(ctx context.Context, command ledger.SalaryWithdrawalCommand) (ledger.SalaryWithdrawalReceipt, error)
 	ReleaseSalaryWithdrawal(ctx context.Context, command ledger.SalaryWithdrawalCommand) (ledger.SalaryWithdrawalReceipt, error)

services/wallet-service/internal/service/wallet/service_test.go

@@ -168,6 +168,44 @@ func TestHuwaaHostGiftPolicyCreditsPointWithoutCoinIncomeAndAllowsSelfGift(t *te
 	}
 }
 
+func TestFamiHostGiftPolicyCreditsAgencyShareWithHistoricalOwnershipSnapshot(t *testing.T) {
+	repository := mysqltest.NewRepository(t)
+	repository.SetBalanceForApp("fami", 32001, 1000)
+	repository.SetGiftPriceForApp("fami", "fami-rose", "v1", 100, 0, 100)
+	repository.SeedWalletPolicyInstanceWithAgency("fami", "fami-guild-live", 0, "active", 700000, 200000)
+	svc := walletservice.New(repository)
+
+	receipt, err := svc.DebitGift(context.Background(), ledger.DebitGiftCommand{
+		AppCode: "fami", CommandID: "cmd-fami-agency-share", RoomID: "room-fami",
+		SenderUserID: 32001, TargetUserID: 32002, TargetIsHost: true, TargetHostRegionID: 12,
+		TargetAgencyOwnerUserID: 32003, GiftID: "fami-rose", GiftCount: 1, PriceVersion: "v1", RegionID: 12, SenderRegionID: 12,
+	})
+	if err != nil {
+		t.Fatalf("DebitGift with Fami agency policy failed: %v", err)
+	}
+	if receipt.HostPointAdded != 70 || receipt.HostPointBalanceAfter != 70 {
+		t.Fatalf("Fami host point receipt mismatch: %+v", receipt)
+	}
+	assertBalanceForApp(t, svc, "fami", 32002, ledger.AssetPoint, 70)
+	assertBalanceForApp(t, svc, "fami", 32003, ledger.AssetPoint, 20)
+	if got := repository.CountRows("agency_point_share_entries", "transaction_id = ? AND host_user_id = ? AND agency_owner_user_id = ? AND point_delta = ? AND ratio_ppm = ?", receipt.TransactionID, int64(32002), int64(32003), int64(20), int64(200000)); got != 1 {
+		t.Fatalf("Fami agency share snapshot mismatch, got %d", got)
+	}
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ?", receipt.TransactionID, "AgencyPointCredited"); got != 1 {
+		t.Fatalf("Fami agency share must publish one event, got %d", got)
+	}
+
+	replayed, err := svc.DebitGift(context.Background(), ledger.DebitGiftCommand{
+		AppCode: "fami", CommandID: "cmd-fami-agency-share", RoomID: "room-fami",
+		SenderUserID: 32001, TargetUserID: 32002, TargetIsHost: true, TargetHostRegionID: 12,
+		TargetAgencyOwnerUserID: 32003, GiftID: "fami-rose", GiftCount: 1, PriceVersion: "v1", RegionID: 12, SenderRegionID: 12,
+	})
+	if err != nil || replayed.TransactionID != receipt.TransactionID {
+		t.Fatalf("Fami agency share replay mismatch: receipt=%+v err=%v", replayed, err)
+	}
+	assertBalanceForApp(t, svc, "fami", 32003, ledger.AssetPoint, 20)
+}
+
 func TestHostGiftWithoutActiveHuwaaPolicyKeepsLegacyCoinIncome(t *testing.T) {
 	repository := mysqltest.NewRepository(t)
 	repository.SetBalance(31011, 1000)
@@ -2147,6 +2185,7 @@ func TestPointWithdrawalAppGateWithoutMySQL(t *testing.T) {
 		UserID:           23012,
 		AssetType:        ledger.AssetPoint,
 		GrossPointAmount: 1_000_000,
+		FeeBPS:           500,
 	})
 	if err != nil {
 		t.Fatalf("Huwaa POINT withdrawal should reach repository: %v", err)
@@ -2163,6 +2202,21 @@ func TestPointWithdrawalAppGateWithoutMySQL(t *testing.T) {
 	}
 }
 
+func TestFamiPointWithdrawalAllowsAdminConfiguredZeroFee(t *testing.T) {
+	repository := &fakePointGateRepository{}
+	svc := walletservice.New(repository)
+	receipt, err := svc.FreezePointWithdrawal(context.Background(), ledger.PointWithdrawalCommand{
+		AppCode: "fami", CommandID: "cmd-fami-zero-fee", UserID: 23013,
+		AssetType: ledger.AssetPoint, GrossPointAmount: 1_000_000, PointsPerUSD: 200_000, FeeBPS: 0,
+	})
+	if err != nil {
+		t.Fatalf("zero-fee Fami point withdrawal failed: %v", err)
+	}
+	if receipt.FeePointAmount != 0 || receipt.NetPointAmount != 1_000_000 || receipt.PointsPerUSD != 200_000 || receipt.FeeBPS != 0 {
+		t.Fatalf("zero-fee policy snapshot mismatch: %+v", receipt)
+	}
+}
+
 func TestPointWithdrawalFreezeSettleReleaseIsHuwaaOnly(t *testing.T) {
 	repository := mysqltest.NewRepository(t)
 	repository.SetAssetBalanceForApp("huwaa", 22001, ledger.AssetPoint, 2_000_000)
@@ -2187,6 +2241,7 @@ func TestPointWithdrawalFreezeSettleReleaseIsHuwaaOnly(t *testing.T) {
 		UserID:           22001,
 		AssetType:        ledger.AssetPoint,
 		GrossPointAmount: 1_000_000,
+		FeeBPS:           500,
 	})
 	if err != nil {
 		t.Fatalf("FreezePointWithdrawal failed: %v", err)
@@ -2202,6 +2257,7 @@ func TestPointWithdrawalFreezeSettleReleaseIsHuwaaOnly(t *testing.T) {
 		UserID:                  22001,
 		AssetType:               ledger.AssetPoint,
 		GrossPointAmount:        1_000_000,
+		FeeBPS:                  500,
 		OperatorUserID:          90001,
 		WithdrawalApplicationID: "77",
 	})
@@ -2219,6 +2275,7 @@ func TestPointWithdrawalFreezeSettleReleaseIsHuwaaOnly(t *testing.T) {
 		UserID:           22002,
 		AssetType:        ledger.AssetPoint,
 		GrossPointAmount: 1_000_000,
+		FeeBPS:           500,
 	}); err != nil {
 		t.Fatalf("FreezePointWithdrawal for release failed: %v", err)
 	}
@@ -2228,6 +2285,7 @@ func TestPointWithdrawalFreezeSettleReleaseIsHuwaaOnly(t *testing.T) {
 		UserID:                  22002,
 		AssetType:               ledger.AssetPoint,
 		GrossPointAmount:        1_000_000,
+		FeeBPS:                  500,
 		WithdrawalApplicationID: "78",
 	})
 	if err != nil {
@@ -2239,6 +2297,52 @@ func TestPointWithdrawalFreezeSettleReleaseIsHuwaaOnly(t *testing.T) {
 	requireWalletBalanceForApp(t, svc, "huwaa", 22002, ledger.AssetPoint, 2_000_000, 0)
 }
 
+// TestTransferPointToCoinSellerUsesServerWhitelist 验证 H5 不能自报比例，wallet 会按 App、国家和 active 配置原子扣 POINT/加币商库存。
+func TestTransferPointToCoinSellerUsesServerWhitelist(t *testing.T) {
+	repository := mysqltest.NewRepository(t)
+	repository.SetAssetBalanceForApp("fami", 22501, ledger.AssetPoint, 2_000_000)
+	repository.SetPointWithdrawalCoinSellerConfig("fami", 22502, 100_000, 92_000, []string{"SA"}, "active", 1)
+	svc := walletservice.New(repository)
+
+	sellers, err := svc.ListPointWithdrawalCoinSellers(context.Background(), "fami", "SA", false)
+	if err != nil || len(sellers) != 1 || sellers[0].SellerUserID != 22502 {
+		t.Fatalf("eligible point withdrawal sellers mismatch: sellers=%+v err=%v", sellers, err)
+	}
+	if blocked, err := svc.ListPointWithdrawalCoinSellers(context.Background(), "fami", "TR", false); err != nil || len(blocked) != 0 {
+		t.Fatalf("country-filtered seller must be hidden: sellers=%+v err=%v", blocked, err)
+	}
+
+	command := ledger.PointToCoinSellerCommand{
+		AppCode: "fami", CommandID: "cmd-fami-point-seller-1", SourceUserID: 22501,
+		SellerUserID: 22502, PointAmount: 1_000_000, SourceCountryCode: "SA", Reason: "withdraw to seller",
+	}
+	receipt, err := svc.TransferPointToCoinSeller(context.Background(), command)
+	if err != nil {
+		t.Fatalf("TransferPointToCoinSeller failed: %v", err)
+	}
+	if receipt.SellerCoinAmount != 920_000 || receipt.RatioPointAmount != 100_000 || receipt.RatioSellerCoinAmount != 92_000 || receipt.SourcePointBalanceAfter != 1_000_000 || receipt.SellerBalanceAfter != 920_000 {
+		t.Fatalf("point seller transfer receipt mismatch: %+v", receipt)
+	}
+	replayed, err := svc.TransferPointToCoinSeller(context.Background(), command)
+	if err != nil || replayed.TransactionID != receipt.TransactionID || replayed.SellerCoinAmount != receipt.SellerCoinAmount {
+		t.Fatalf("point seller transfer replay mismatch: replay=%+v err=%v", replayed, err)
+	}
+	requireWalletBalanceForApp(t, svc, "fami", 22501, ledger.AssetPoint, 1_000_000, 0)
+	requireWalletBalanceForApp(t, svc, "fami", 22502, ledger.AssetCoinSellerCoin, 920_000, 0)
+	if got := repository.CountRows("wallet_transactions", "app_code = ? AND biz_type = ?", "fami", "point_transfer_to_coin_seller"); got != 1 {
+		t.Fatalf("idempotent point seller transfer must write one transaction, got %d", got)
+	}
+
+	_, err = svc.TransferPointToCoinSeller(context.Background(), ledger.PointToCoinSellerCommand{
+		AppCode: "fami", CommandID: "cmd-fami-point-seller-country-denied", SourceUserID: 22501,
+		SellerUserID: 22502, PointAmount: 100_000, SourceCountryCode: "TR",
+	})
+	if err == nil {
+		t.Fatal("seller country restriction must reject transfer")
+	}
+	requireWalletBalanceForApp(t, svc, "fami", 22501, ledger.AssetPoint, 1_000_000, 0)
+}
+
 // TestCreditLuckyGiftRewardIsIdempotent 验证幸运礼物返奖只按 draw_id 派一次，并产出余额通知事实。
 func TestCreditLuckyGiftRewardIsIdempotent(t *testing.T) {
 	repository := mysqltest.NewRepository(t)

services/wallet-service/internal/storage/mysql/agency_host_gift_stats.go

@@ -0,0 +1,43 @@
+package mysql
+
+import (
+	"context"
+	"fmt"
+	"strings"
+
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+// GetAgencyHostGiftStats 直接读取送礼交易里的 host_point_added 快照，只统计礼物收益；
+// 任务奖励、提现释放和 Agency 分成虽然也进入 POINT 账户，但都不能混入 BD 的公会收礼口径。
+func (r *Repository) GetAgencyHostGiftStats(ctx context.Context, query ledger.AgencyHostGiftStatsQuery) (ledger.AgencyHostGiftStats, error) {
+	if r == nil || r.db == nil {
+		return ledger.AgencyHostGiftStats{}, xerr.New(xerr.Unavailable, "mysql repository is not configured")
+	}
+	if len(query.HostUserIDs) == 0 {
+		return ledger.AgencyHostGiftStats{}, nil
+	}
+	placeholders := make([]string, len(query.HostUserIDs))
+	args := make([]any, 0, len(query.HostUserIDs)+5)
+	args = append(args, appcode.FromContext(ctx), bizTypeGiftDebit, bizTypeDirectGiftDebit, query.StartAtMS, query.EndAtMS)
+	for index, userID := range query.HostUserIDs {
+		placeholders[index] = "?"
+		args = append(args, userID)
+	}
+	querySQL := fmt.Sprintf(`
+		SELECT
+		  COALESCE(SUM(CAST(COALESCE(JSON_UNQUOTE(JSON_EXTRACT(metadata_json, '$.host_point_added')), '0') AS SIGNED)), 0),
+		  COUNT(DISTINCT CASE
+		    WHEN CAST(COALESCE(JSON_UNQUOTE(JSON_EXTRACT(metadata_json, '$.host_point_added')), '0') AS SIGNED) > 0
+		    THEN CAST(JSON_UNQUOTE(JSON_EXTRACT(metadata_json, '$.target_user_id')) AS SIGNED)
+		  END)
+		FROM wallet_transactions
+		WHERE app_code = ? AND biz_type IN (?, ?) AND status = 'succeeded'
+		  AND created_at_ms >= ? AND created_at_ms < ?
+		  AND CAST(JSON_UNQUOTE(JSON_EXTRACT(metadata_json, '$.target_user_id')) AS SIGNED) IN (%s)`, strings.Join(placeholders, ","))
+	var stats ledger.AgencyHostGiftStats
+	err := r.db.QueryRowContext(ctx, querySQL, args...).Scan(&stats.GiftIncome, &stats.GiftedHostCount)
+	return stats, err
+}

services/wallet-service/internal/storage/mysql/agency_point_share.go

@@ -0,0 +1,26 @@
+package mysql
+
+import (
+	"context"
+	"database/sql"
+
+	"hyapp/pkg/appcode"
+)
+
+// insertAgencyPointShare 把“当时属于哪个 Agency”与实际入账金额固化在同一送礼事务内；
+// 后续主播转会时统计仍按这条快照归属，不能用当前成员关系重算历史收入。
+func (r *Repository) insertAgencyPointShare(ctx context.Context, tx *sql.Tx, transactionID string, metadata giftMetadata, nowMS int64) error {
+	if metadata.AgencyPointAdded <= 0 || metadata.TargetAgencyOwnerUserID <= 0 {
+		return nil
+	}
+	_, err := tx.ExecContext(ctx, `
+		INSERT INTO agency_point_share_entries (
+		  app_code, transaction_id, host_user_id, agency_owner_user_id, sender_user_id,
+		  room_id, point_delta, ratio_ppm, policy_instance_code, created_at_ms
+		) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`,
+		appcode.FromContext(ctx), transactionID, metadata.TargetUserID, metadata.TargetAgencyOwnerUserID,
+		metadata.SenderUserID, metadata.RoomID, metadata.AgencyPointAdded, metadata.AgencyPointRatioPPM,
+		metadata.HostPointPolicyInstanceCode, nowMS,
+	)
+	return err
+}

services/wallet-service/internal/storage/mysql/agency_point_share_stats.go

@@ -0,0 +1,25 @@
+package mysql
+
+import (
+	"context"
+
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+// GetAgencyPointShareStats 按入账时归属快照统计，不受主播之后转会或被移除影响。
+func (r *Repository) GetAgencyPointShareStats(ctx context.Context, query ledger.AgencyPointShareStatsQuery) (ledger.AgencyPointShareStats, error) {
+	if r == nil || r.db == nil {
+		return ledger.AgencyPointShareStats{}, xerr.New(xerr.Unavailable, "mysql repository is not configured")
+	}
+	var stats ledger.AgencyPointShareStats
+	err := r.db.QueryRowContext(ctx, `
+		SELECT COALESCE(SUM(point_delta), 0), COUNT(DISTINCT host_user_id)
+		FROM agency_point_share_entries
+		WHERE app_code = ? AND agency_owner_user_id = ?
+		  AND created_at_ms >= ? AND created_at_ms < ?`,
+		appcode.FromContext(ctx), query.AgencyOwnerUserID, query.StartAtMS, query.EndAtMS,
+	).Scan(&stats.ShareIncome, &stats.GiftedHostCount)
+	return stats, err
+}

services/wallet-service/internal/storage/mysql/agency_point_share_stats_test.go

@@ -0,0 +1,40 @@
+package mysql
+
+import (
+	"context"
+	"regexp"
+	"testing"
+
+	"github.com/DATA-DOG/go-sqlmock"
+	"hyapp/pkg/appcode"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+func TestGetAgencyPointShareStatsUsesOwnershipSnapshot(t *testing.T) {
+	db, mock, err := sqlmock.New()
+	if err != nil {
+		t.Fatalf("create sqlmock: %v", err)
+	}
+	defer db.Close()
+	mock.ExpectQuery(regexp.QuoteMeta(`
+		SELECT COALESCE(SUM(point_delta), 0), COUNT(DISTINCT host_user_id)
+		FROM agency_point_share_entries
+		WHERE app_code = ? AND agency_owner_user_id = ?
+		  AND created_at_ms >= ? AND created_at_ms < ?`)).
+		WithArgs("fami", int64(73), int64(1000), int64(2000)).
+		WillReturnRows(sqlmock.NewRows([]string{"share_income", "gifted_hosts"}).AddRow(int64(2400), int64(3)))
+
+	repo := &Repository{db: db}
+	stats, err := repo.GetAgencyPointShareStats(appcode.WithContext(context.Background(), "fami"), ledger.AgencyPointShareStatsQuery{
+		AgencyOwnerUserID: 73, StartAtMS: 1000, EndAtMS: 2000,
+	})
+	if err != nil {
+		t.Fatalf("GetAgencyPointShareStats failed: %v", err)
+	}
+	if stats.ShareIncome != 2400 || stats.GiftedHostCount != 3 {
+		t.Fatalf("unexpected agency stats: %+v", stats)
+	}
+	if err := mock.ExpectationsWereMet(); err != nil {
+		t.Fatalf("unmet SQL expectations: %v", err)
+	}
+}

services/wallet-service/internal/storage/mysql/constants.go

@@ -19,6 +19,7 @@ const (
 	bizTypeCoinSellerCoinCompensation = "coin_seller_coin_compensation"
 	bizTypeSalaryExchangeToCoin       = "salary_exchange_to_coin"
 	bizTypeSalaryTransferToCoinSeller = "salary_transfer_to_coin_seller"
+	bizTypePointTransferToCoinSeller  = "point_transfer_to_coin_seller"
 	bizTypeSalaryWithdrawalFreeze     = "salary_withdrawal_freeze"
 	bizTypeSalaryWithdrawalSettle     = "salary_withdrawal_settle"
 	bizTypeSalaryWithdrawalRelease    = "salary_withdrawal_release"

services/wallet-service/internal/storage/mysql/gift_batch_debit_repository.go

@@ -112,10 +112,12 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 	}
 
 	type targetHostPointPolicy struct {
-		policy walletPolicyInstance
+		policy            walletPolicyInstance
-		amount int64
+		amount            int64
-		userID int64
+		userID            int64
-		active bool
+		agencyAmount      int64
+		agencyOwnerUserID int64
+		active            bool
 	}
 	hostPointPolicies := make(map[string]targetHostPointPolicy, len(command.Targets))
 	if chargeSource != giftChargeSourceBag {
@@ -139,7 +141,21 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 			if err != nil {
 				return ledger.BatchGiftReceipt{}, err
 			}
-			hostPointPolicies[target.CommandID] = targetHostPointPolicy{policy: policy, amount: amount, userID: target.TargetUserID, active: true}
+			agencyAmount := int64(0)
+			if target.TargetAgencyOwnerUserID > 0 && policy.AgencyPointRatioPPM > 0 {
+				agencyAmount, err = giftDiamondAmount(chargeAmount, policy.AgencyPointRatioPPM)
+				if err != nil {
+					return ledger.BatchGiftReceipt{}, err
+				}
+			}
+			hostPointPolicies[target.CommandID] = targetHostPointPolicy{
+				policy:            policy,
+				amount:            amount,
+				userID:            target.TargetUserID,
+				agencyAmount:      agencyAmount,
+				agencyOwnerUserID: target.TargetAgencyOwnerUserID,
+				active:            true,
+			}
 		}
 	}
 
@@ -170,6 +186,13 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 			AssetType:       ledger.AssetPoint,
 			CreateIfMissing: true,
 		})
+		if hostPointPolicy.agencyAmount > 0 {
+			lockRequests = append(lockRequests, walletAccountLockRequest{
+				UserID:          hostPointPolicy.agencyOwnerUserID,
+				AssetType:       ledger.AssetPoint,
+				CreateIfMissing: true,
+			})
+		}
 	}
 	accountStates, err := r.lockAccountsOrdered(ctx, tx, lockRequests, nowMs)
 	if err != nil {
@@ -267,6 +290,18 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 			}
 			hostPointBalanceAfter = targetPointState.account.AvailableAmount + hostPointPolicy.amount
 		}
+		agencyPointBalanceAfter := int64(0)
+		var agencyPointState *walletAccountState
+		if hostPointPolicy.agencyAmount > 0 {
+			agencyPointState = accountStates[walletAccountLockKey(hostPointPolicy.agencyOwnerUserID, ledger.AssetPoint)]
+			if agencyPointState == nil {
+				return ledger.BatchGiftReceipt{}, xerr.New(xerr.Internal, "agency point account is missing")
+			}
+			agencyPointBalanceAfter = agencyPointState.account.AvailableAmount + hostPointPolicy.agencyAmount
+			if agencyPointState == targetPointState {
+				agencyPointBalanceAfter += hostPointPolicy.amount
+			}
+		}
 		// 批量事务逐目标生成独立账务交易；这里从当前 sender 版本预测本目标完成后的版本，
 		// 下一轮会读取已推进的 senderState，因此最后一条回执自然代表整批最终版本。
 		senderBalanceVersionAfter := giftSenderBalanceVersionAfter(
@@ -322,6 +357,9 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 			HostPointTemplateCode:         hostPointPolicy.policy.TemplateCode,
 			HostPointTemplateVersion:      hostPointPolicy.policy.TemplateVersion,
 			HostPointRatioPPM:             hostPointPolicy.policy.HostPointRatioPPM,
+			AgencyPointAdded:              hostPointPolicy.agencyAmount,
+			AgencyPointBalanceAfter:       agencyPointBalanceAfter,
+			AgencyPointRatioPPM:           hostPointPolicy.policy.AgencyPointRatioPPM,
 			PointsPerUSD:                  hostPointPolicy.policy.PointsPerUSD,
 			RoomID:                        command.RoomID,
 			RoomRegionID:                  command.RegionID,
@@ -404,6 +442,29 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 				return ledger.BatchGiftReceipt{}, err
 			}
 		}
+		if hostPointPolicy.agencyAmount > 0 {
+			agencyPointAccount, err := r.applyTrackedAccountDelta(ctx, tx, agencyPointState, hostPointPolicy.agencyAmount, 0, nowMs)
+			if err != nil {
+				return ledger.BatchGiftReceipt{}, err
+			}
+			metadata.AgencyPointBalanceAfter = agencyPointAccount.AvailableAmount
+			if err := r.insertEntry(ctx, tx, walletEntry{
+				TransactionID:      transactionID,
+				UserID:             hostPointPolicy.agencyOwnerUserID,
+				AssetType:          ledger.AssetPoint,
+				AvailableDelta:     hostPointPolicy.agencyAmount,
+				AvailableAfter:     agencyPointAccount.AvailableAmount,
+				FrozenAfter:        agencyPointAccount.FrozenAmount,
+				CounterpartyUserID: command.SenderUserID,
+				RoomID:             command.RoomID,
+				CreatedAtMS:        nowMs,
+			}); err != nil {
+				return ledger.BatchGiftReceipt{}, err
+			}
+			if err := r.insertAgencyPointShare(ctx, tx, transactionID, metadata, nowMs); err != nil {
+				return ledger.BatchGiftReceipt{}, err
+			}
+		}
 		if hostPeriodDiamondAdded > 0 {
 			hostPeriodDiamondAfter, hostPeriodDiamondVersion, err := r.creditHostPeriodDiamonds(ctx, tx, transactionID, target.CommandID, metadata, nowMs)
 			if err != nil {
@@ -439,6 +500,10 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 			events = append(events, balanceChangedEvent(transactionID, target.CommandID, target.TargetUserID, ledger.AssetPoint, hostPointPolicy.amount, 0, metadata.HostPointBalanceAfter, targetPointState.account.FrozenAmount, targetPointState.account.Version, metadata, nowMs, bizTypeGiftDebit))
 			events = append(events, hostPointCreditedEvent(transactionID, target.CommandID, metadata, nowMs))
 		}
+		if hostPointPolicy.agencyAmount > 0 {
+			events = append(events, balanceChangedEvent(transactionID, target.CommandID, hostPointPolicy.agencyOwnerUserID, ledger.AssetPoint, hostPointPolicy.agencyAmount, 0, metadata.AgencyPointBalanceAfter, agencyPointState.account.FrozenAmount, agencyPointState.account.Version, metadata, nowMs, bizTypeGiftDebit))
+			events = append(events, agencyPointCreditedEvent(transactionID, target.CommandID, metadata, nowMs))
+		}
 		if hostPeriodDiamondAdded > 0 {
 			events = append(events, hostPeriodDiamondCreditedEvent(transactionID, target.CommandID, metadata, nowMs))
 		}

services/wallet-service/internal/storage/mysql/gift_debit_repository.go

@@ -90,6 +90,7 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 		}
 	}
 	hostPointAdded := int64(0)
+	agencyPointAdded := int64(0)
 	hostPointPolicy := walletPolicyInstance{}
 	hostPointPolicyActive := false
 	hostPointRegionID := command.TargetHostRegionID
@@ -109,6 +110,13 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 			}
 			// 命中新政策后不再给主播走旧 COIN 返还，避免同一笔礼物同时产生 COIN 收礼返还和 POINT 收益。
 			giftIncomeCoinAmount = 0
+			if command.TargetAgencyOwnerUserID > 0 && hostPointPolicy.AgencyPointRatioPPM > 0 {
+				// Agency 分成只跟随服务端注入的送礼时归属快照，客户端不能指定；自送礼同样属于有效付费礼物。
+				agencyPointAdded, err = giftDiamondAmount(chargeAmount, hostPointPolicy.AgencyPointRatioPPM)
+				if err != nil {
+					return ledger.Receipt{}, err
+				}
+			}
 		}
 	}
 	hostPeriodDiamondAdded := int64(0)
@@ -137,6 +145,7 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 	var senderState *walletAccountState
 	var targetCoinState *walletAccountState
 	var targetPointState *walletAccountState
+	var agencyPointState *walletAccountState
 	if command.RobotGift {
 
 		sender, err := r.lockAccount(ctx, tx, command.SenderUserID, accountAssetType, true, nowMs)
@@ -164,6 +173,13 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 				CreateIfMissing: true,
 			})
 		}
+		if agencyPointAdded > 0 {
+			lockRequests = append(lockRequests, walletAccountLockRequest{
+				UserID:          command.TargetAgencyOwnerUserID,
+				AssetType:       ledger.AssetPoint,
+				CreateIfMissing: true,
+			})
+		}
 		states, err := r.lockAccountsOrdered(ctx, tx, lockRequests, nowMs)
 		if err != nil {
 			return ledger.Receipt{}, err
@@ -175,6 +191,9 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 		if hostPointAdded > 0 {
 			targetPointState = states[walletAccountLockKey(command.TargetUserID, ledger.AssetPoint)]
 		}
+		if agencyPointAdded > 0 {
+			agencyPointState = states[walletAccountLockKey(command.TargetAgencyOwnerUserID, ledger.AssetPoint)]
+		}
 	}
 	sender := senderState.account
 	robotCoinTopUp := int64(0)
@@ -209,6 +228,16 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 		}
 		hostPointBalanceAfter = targetPointState.account.AvailableAmount + hostPointAdded
 	}
+	agencyPointBalanceAfter := int64(0)
+	if agencyPointAdded > 0 {
+		if agencyPointState == nil {
+			return ledger.Receipt{}, xerr.New(xerr.Internal, "agency point account is missing")
+		}
+		agencyPointBalanceAfter = agencyPointState.account.AvailableAmount + agencyPointAdded
+		if agencyPointState == targetPointState {
+			agencyPointBalanceAfter += hostPointAdded
+		}
+	}
 	transactionID := transactionID(command.AppCode, command.CommandID)
 	// metadata 在账户更新前写入交易表，因此版本必须按本事务即将执行的 sender 分录精确预测；
 	// 事务内实际更新仍由 wallet_accounts.version 乐观锁裁决，失败会整体回滚该预测值。
@@ -265,6 +294,9 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 		HostPointTemplateCode:         hostPointPolicy.TemplateCode,
 		HostPointTemplateVersion:      hostPointPolicy.TemplateVersion,
 		HostPointRatioPPM:             hostPointPolicy.HostPointRatioPPM,
+		AgencyPointAdded:              agencyPointAdded,
+		AgencyPointBalanceAfter:       agencyPointBalanceAfter,
+		AgencyPointRatioPPM:           hostPointPolicy.AgencyPointRatioPPM,
 		PointsPerUSD:                  hostPointPolicy.PointsPerUSD,
 		RoomID:                        command.RoomID,
 		RoomRegionID:                  command.RegionID,
@@ -378,6 +410,29 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 			return ledger.Receipt{}, err
 		}
 	}
+	if agencyPointAdded > 0 {
+		agencyPointAccount, err := r.applyTrackedAccountDelta(ctx, tx, agencyPointState, agencyPointAdded, 0, nowMs)
+		if err != nil {
+			return ledger.Receipt{}, err
+		}
+		metadata.AgencyPointBalanceAfter = agencyPointAccount.AvailableAmount
+		if err := r.insertEntry(ctx, tx, walletEntry{
+			TransactionID:      transactionID,
+			UserID:             command.TargetAgencyOwnerUserID,
+			AssetType:          ledger.AssetPoint,
+			AvailableDelta:     agencyPointAdded,
+			AvailableAfter:     agencyPointAccount.AvailableAmount,
+			FrozenAfter:        agencyPointAccount.FrozenAmount,
+			CounterpartyUserID: command.SenderUserID,
+			RoomID:             command.RoomID,
+			CreatedAtMS:        nowMs,
+		}); err != nil {
+			return ledger.Receipt{}, err
+		}
+		if err := r.insertAgencyPointShare(ctx, tx, transactionID, metadata, nowMs); err != nil {
+			return ledger.Receipt{}, err
+		}
+	}
 	if hostPeriodDiamondAdded > 0 {
 
 		hostPeriodDiamondAfter, hostPeriodDiamondVersion, err := r.creditHostPeriodDiamonds(ctx, tx, transactionID, command.CommandID, metadata, nowMs)
@@ -417,6 +472,10 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 			events = append(events, balanceChangedEvent(transactionID, command.CommandID, command.TargetUserID, ledger.AssetPoint, hostPointAdded, 0, metadata.HostPointBalanceAfter, targetPointState.account.FrozenAmount, targetPointState.account.Version, metadata, nowMs, bizType))
 			events = append(events, hostPointCreditedEvent(transactionID, command.CommandID, metadata, nowMs))
 		}
+		if agencyPointAdded > 0 {
+			events = append(events, balanceChangedEvent(transactionID, command.CommandID, command.TargetAgencyOwnerUserID, ledger.AssetPoint, agencyPointAdded, 0, metadata.AgencyPointBalanceAfter, agencyPointState.account.FrozenAmount, agencyPointState.account.Version, metadata, nowMs, bizType))
+			events = append(events, agencyPointCreditedEvent(transactionID, command.CommandID, metadata, nowMs))
+		}
 	}
 	if hostPeriodDiamondAdded > 0 {
 		events = append(events, hostPeriodDiamondCreditedEvent(transactionID, command.CommandID, metadata, nowMs))

services/wallet-service/internal/storage/mysql/host_revenue_stats.go

@@ -0,0 +1,31 @@
+package mysql
+
+import (
+	"context"
+
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+// GetHostRevenueStats 聚合 POINT 分录；兑换按 available 侧冻结扣减计数，审核结算不会再次累计。
+func (r *Repository) GetHostRevenueStats(ctx context.Context, query ledger.HostRevenueStatsQuery) (ledger.HostRevenueStats, error) {
+	if r == nil || r.db == nil {
+		return ledger.HostRevenueStats{}, xerr.New(xerr.Unavailable, "mysql repository is not configured")
+	}
+	var stats ledger.HostRevenueStats
+	err := r.db.QueryRowContext(ctx, `
+		SELECT
+		  COALESCE(SUM(CASE WHEN e.available_delta > 0 AND t.biz_type <> ? THEN e.available_delta ELSE 0 END), 0),
+		  COALESCE(SUM(CASE WHEN e.available_delta < 0 THEN -e.available_delta ELSE 0 END), 0),
+		  COUNT(DISTINCT CASE WHEN e.available_delta > 0 AND e.counterparty_user_id > 0 THEN e.counterparty_user_id END)
+		FROM wallet_entries e
+		INNER JOIN wallet_transactions t
+		  ON t.app_code = e.app_code AND t.transaction_id = e.transaction_id
+		WHERE e.app_code = ? AND e.user_id = ? AND e.asset_type = ?
+		  AND e.created_at_ms >= ? AND e.created_at_ms < ?`,
+		bizTypeSalaryWithdrawalRelease,
+		appcode.FromContext(ctx), query.HostUserID, ledger.AssetPoint, query.StartAtMS, query.EndAtMS,
+	).Scan(&stats.DiamondEarnings, &stats.DiamondExchanged, &stats.GiftSenders)
+	return stats, err
+}

services/wallet-service/internal/storage/mysql/host_revenue_stats_test.go

@@ -0,0 +1,48 @@
+package mysql
+
+import (
+	"context"
+	"regexp"
+	"testing"
+
+	"github.com/DATA-DOG/go-sqlmock"
+	"hyapp/pkg/appcode"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+func TestGetHostRevenueStatsAggregatesPointLedger(t *testing.T) {
+	db, mock, err := sqlmock.New()
+	if err != nil {
+		t.Fatalf("create sqlmock: %v", err)
+	}
+	defer db.Close()
+
+	mock.ExpectQuery(regexp.QuoteMeta(`
+		SELECT
+		  COALESCE(SUM(CASE WHEN e.available_delta > 0 AND t.biz_type <> ? THEN e.available_delta ELSE 0 END), 0),
+		  COALESCE(SUM(CASE WHEN e.available_delta < 0 THEN -e.available_delta ELSE 0 END), 0),
+		  COUNT(DISTINCT CASE WHEN e.available_delta > 0 AND e.counterparty_user_id > 0 THEN e.counterparty_user_id END)
+		FROM wallet_entries e
+		INNER JOIN wallet_transactions t
+		  ON t.app_code = e.app_code AND t.transaction_id = e.transaction_id
+		WHERE e.app_code = ? AND e.user_id = ? AND e.asset_type = ?
+		  AND e.created_at_ms >= ? AND e.created_at_ms < ?`)).
+		WithArgs(bizTypeSalaryWithdrawalRelease, "fami", int64(42), ledger.AssetPoint, int64(1000), int64(2000)).
+		WillReturnRows(sqlmock.NewRows([]string{"earnings", "exchanged", "senders"}).AddRow(int64(8800), int64(1200), int64(7)))
+
+	repo := &Repository{db: db}
+	stats, err := repo.GetHostRevenueStats(appcode.WithContext(context.Background(), "fami"), ledger.HostRevenueStatsQuery{
+		HostUserID: 42,
+		StartAtMS:  1000,
+		EndAtMS:    2000,
+	})
+	if err != nil {
+		t.Fatalf("GetHostRevenueStats failed: %v", err)
+	}
+	if stats.DiamondEarnings != 8800 || stats.DiamondExchanged != 1200 || stats.GiftSenders != 7 {
+		t.Fatalf("unexpected host revenue stats: %+v", stats)
+	}
+	if err := mock.ExpectationsWereMet(); err != nil {
+		t.Fatalf("unmet SQL expectations: %v", err)
+	}
+}

services/wallet-service/internal/storage/mysql/metadata.go

@@ -56,6 +56,9 @@ type giftMetadata struct {
 	HostPointTemplateCode         string `json:"host_point_template_code,omitempty"`
 	HostPointTemplateVersion      string `json:"host_point_template_version,omitempty"`
 	HostPointRatioPPM             int64  `json:"host_point_ratio_ppm,omitempty"`
+	AgencyPointAdded              int64  `json:"agency_point_added,omitempty"`
+	AgencyPointBalanceAfter       int64  `json:"agency_point_balance_after,omitempty"`
+	AgencyPointRatioPPM           int64  `json:"agency_point_ratio_ppm,omitempty"`
 	PointsPerUSD                  int64  `json:"points_per_usd,omitempty"`
 	RoomID                        string `json:"room_id"`
 	RoomRegionID                  int64  `json:"room_region_id"`

services/wallet-service/internal/storage/mysql/outbox.go

@@ -792,3 +792,37 @@ func hostPointCreditedEvent(transactionID string, commandID string, metadata gif
 		CreatedAtMS: nowMs,
 	}
 }
+
+func agencyPointCreditedEvent(transactionID string, commandID string, metadata giftMetadata, nowMs int64) walletOutboxEvent {
+	return walletOutboxEvent{
+		EventID:        eventID(transactionID, "AgencyPointCredited", metadata.TargetAgencyOwnerUserID, ledger.AssetPoint),
+		EventType:      "AgencyPointCredited",
+		TransactionID:  transactionID,
+		CommandID:      commandID,
+		UserID:         metadata.TargetAgencyOwnerUserID,
+		AssetType:      ledger.AssetPoint,
+		AvailableDelta: metadata.AgencyPointAdded,
+		FrozenDelta:    0,
+		Payload: map[string]any{
+			"transaction_id":          transactionID,
+			"command_id":              commandID,
+			"host_user_id":            metadata.TargetUserID,
+			"agency_owner_user_id":    metadata.TargetAgencyOwnerUserID,
+			"sender_user_id":          metadata.SenderUserID,
+			"room_id":                 metadata.RoomID,
+			"asset_type":              ledger.AssetPoint,
+			"point_delta":             metadata.AgencyPointAdded,
+			"point_balance_after":     metadata.AgencyPointBalanceAfter,
+			"gift_charge_asset_type":  metadata.ChargeAssetType,
+			"gift_charge_amount":      metadata.ChargeAmount,
+			"gift_id":                 metadata.GiftID,
+			"gift_count":              metadata.GiftCount,
+			"policy_instance_code":    metadata.HostPointPolicyInstanceCode,
+			"policy_template_code":    metadata.HostPointTemplateCode,
+			"policy_template_version": metadata.HostPointTemplateVersion,
+			"agency_point_ratio_ppm":  metadata.AgencyPointRatioPPM,
+			"created_at_ms":           nowMs,
+		},
+		CreatedAtMS: nowMs,
+	}
+}

services/wallet-service/internal/storage/mysql/point_coin_seller.go

@@ -0,0 +1,268 @@
+package mysql
+
+import (
+	"context"
+	"database/sql"
+	"encoding/json"
+	"errors"
+	"fmt"
+	"strings"
+	"time"
+
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+const pointWithdrawalMinimumPoints int64 = 1_000_000
+
+type pointToCoinSellerMetadata struct {
+	AppCode                 string `json:"app_code"`
+	SourceUserID            int64  `json:"source_user_id"`
+	SellerUserID            int64  `json:"seller_user_id"`
+	SourceCountryCode       string `json:"source_country_code"`
+	SourceAssetType         string `json:"source_asset_type"`
+	SellerAssetType         string `json:"seller_asset_type"`
+	PointAmount             int64  `json:"point_amount"`
+	SellerCoinAmount        int64  `json:"seller_coin_amount"`
+	RatioPointAmount        int64  `json:"ratio_point_amount"`
+	RatioSellerCoinAmount   int64  `json:"ratio_seller_coin_amount"`
+	SourcePointBalanceAfter int64  `json:"source_point_balance_after"`
+	SellerBalanceAfter      int64  `json:"seller_balance_after"`
+	Reason                  string `json:"reason"`
+	CreatedAtMS             int64  `json:"created_at_ms"`
+}
+
+// ListPointWithdrawalCoinSellers 返回当前 App 的白名单；国家过滤在 wallet 内执行，gateway 不能绕过服务范围。
+func (r *Repository) ListPointWithdrawalCoinSellers(ctx context.Context, appCode string, countryCode string, includeDisabled bool) ([]ledger.PointWithdrawalCoinSellerConfig, error) {
+	if r == nil || r.db == nil {
+		return nil, xerr.New(xerr.Unavailable, "mysql repository is not configured")
+	}
+	ctx = contextWithCommandApp(ctx, appCode)
+	where := "app_code = ?"
+	args := []any{appcode.FromContext(ctx)}
+	if !includeDisabled {
+		where += " AND status = 'active'"
+	}
+	rows, err := r.db.QueryContext(ctx, `
+		SELECT app_code, seller_user_id, sort_order, point_amount, seller_coin_amount,
+		       service_country_codes, status, created_at_ms, updated_at_ms
+		FROM point_withdrawal_coin_seller_configs
+		WHERE `+where+`
+		ORDER BY sort_order ASC, seller_user_id ASC`, args...)
+	if err != nil {
+		return nil, err
+	}
+	defer rows.Close()
+
+	countryCode = strings.ToUpper(strings.TrimSpace(countryCode))
+	items := make([]ledger.PointWithdrawalCoinSellerConfig, 0)
+	for rows.Next() {
+		var item ledger.PointWithdrawalCoinSellerConfig
+		var countriesJSON []byte
+		if err := rows.Scan(&item.AppCode, &item.SellerUserID, &item.SortOrder, &item.PointAmount, &item.SellerCoinAmount, &countriesJSON, &item.Status, &item.CreatedAtMS, &item.UpdatedAtMS); err != nil {
+			return nil, err
+		}
+		if err := json.Unmarshal(countriesJSON, &item.ServiceCountryCodes); err != nil {
+			return nil, xerr.New(xerr.Internal, "point withdrawal seller country config is invalid")
+		}
+		item.ServiceCountryCodes = normalizeCountryCodes(item.ServiceCountryCodes)
+		if item.PointAmount <= 0 || item.SellerCoinAmount <= 0 {
+			return nil, xerr.New(xerr.Internal, "point withdrawal seller ratio is invalid")
+		}
+		if countryCode != "" && !countryAllowed(item.ServiceCountryCodes, countryCode) {
+			continue
+		}
+		items = append(items, item)
+	}
+	return items, rows.Err()
+}
+
+// TransferPointToCoinSeller 在一个事务中锁定白名单配置和双方账户；任何比例更新只影响新 command_id。
+func (r *Repository) TransferPointToCoinSeller(ctx context.Context, command ledger.PointToCoinSellerCommand) (ledger.PointToCoinSellerReceipt, error) {
+	if r == nil || r.db == nil {
+		return ledger.PointToCoinSellerReceipt{}, xerr.New(xerr.Unavailable, "mysql repository is not configured")
+	}
+	ctx = contextWithCommandApp(ctx, command.AppCode)
+	command.AppCode = appcode.FromContext(ctx)
+	tx, err := r.db.BeginTx(ctx, nil)
+	if err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	defer func() { _ = tx.Rollback() }()
+
+	requestHash := stableHash(fmt.Sprintf("point_transfer_coin_seller|%s|%d|%d|%d|%s|%s",
+		command.AppCode, command.SourceUserID, command.SellerUserID, command.PointAmount,
+		strings.ToUpper(strings.TrimSpace(command.SourceCountryCode)), strings.TrimSpace(command.Reason)))
+	if txRow, exists, lookupErr := r.lookupTransactionWithConflictCode(ctx, tx, command.CommandID, requestHash, bizTypePointTransferToCoinSeller, xerr.IdempotencyConflict); lookupErr != nil || exists {
+		if lookupErr != nil || !exists {
+			return ledger.PointToCoinSellerReceipt{}, lookupErr
+		}
+		return r.receiptForPointToCoinSellerTransaction(ctx, tx, txRow.TransactionID)
+	}
+
+	config, err := r.lockPointWithdrawalCoinSellerConfig(ctx, tx, command.SellerUserID)
+	if err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	countryCode := strings.ToUpper(strings.TrimSpace(command.SourceCountryCode))
+	if !countryAllowed(config.ServiceCountryCodes, countryCode) {
+		return ledger.PointToCoinSellerReceipt{}, xerr.New(xerr.PermissionDenied, "coin seller does not serve user country")
+	}
+	numerator, err := checkedMul(command.PointAmount, config.SellerCoinAmount)
+	if err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	sellerCoinAmount := numerator / config.PointAmount
+	if sellerCoinAmount <= 0 {
+		return ledger.PointToCoinSellerReceipt{}, xerr.New(xerr.InvalidArgument, "point amount is below exchange precision")
+	}
+
+	nowMS := time.Now().UnixMilli()
+	source, err := r.lockAccount(ctx, tx, command.SourceUserID, ledger.AssetPoint, false, nowMS)
+	if err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	if source.AvailableAmount < command.PointAmount {
+		return ledger.PointToCoinSellerReceipt{}, xerr.New(xerr.InsufficientBalance, "insufficient POINT balance")
+	}
+	seller, err := r.lockAccount(ctx, tx, command.SellerUserID, ledger.AssetCoinSellerCoin, true, nowMS)
+	if err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	sourceAfter := source.AvailableAmount - command.PointAmount
+	sellerAfter, err := checkedAdd(seller.AvailableAmount, sellerCoinAmount)
+	if err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	transactionID := transactionID(command.AppCode, command.CommandID)
+	metadata := pointToCoinSellerMetadata{
+		AppCode: command.AppCode, SourceUserID: command.SourceUserID, SellerUserID: command.SellerUserID,
+		SourceCountryCode: countryCode, SourceAssetType: ledger.AssetPoint, SellerAssetType: ledger.AssetCoinSellerCoin,
+		PointAmount: command.PointAmount, SellerCoinAmount: sellerCoinAmount,
+		RatioPointAmount: config.PointAmount, RatioSellerCoinAmount: config.SellerCoinAmount,
+		SourcePointBalanceAfter: sourceAfter, SellerBalanceAfter: sellerAfter, Reason: command.Reason, CreatedAtMS: nowMS,
+	}
+	if err := r.insertTransaction(ctx, tx, transactionID, command.CommandID, bizTypePointTransferToCoinSeller, requestHash, fmt.Sprintf("point_coin_seller:%d:%d", command.SourceUserID, command.SellerUserID), metadata, nowMS); err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	if err := r.applyAccountDelta(ctx, tx, source, -command.PointAmount, 0, nowMS); err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	if err := r.insertEntry(ctx, tx, walletEntry{TransactionID: transactionID, UserID: command.SourceUserID, AssetType: ledger.AssetPoint, AvailableDelta: -command.PointAmount, AvailableAfter: sourceAfter, FrozenAfter: source.FrozenAmount, CounterpartyUserID: command.SellerUserID, CreatedAtMS: nowMS}); err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	if err := r.applyAccountDelta(ctx, tx, seller, sellerCoinAmount, 0, nowMS); err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	if err := r.insertEntry(ctx, tx, walletEntry{TransactionID: transactionID, UserID: command.SellerUserID, AssetType: ledger.AssetCoinSellerCoin, AvailableDelta: sellerCoinAmount, AvailableAfter: sellerAfter, FrozenAfter: seller.FrozenAmount, CounterpartyUserID: command.SourceUserID, CreatedAtMS: nowMS}); err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	if err := r.insertWalletOutbox(ctx, tx, []walletOutboxEvent{
+		balanceChangedEvent(transactionID, command.CommandID, command.SourceUserID, ledger.AssetPoint, -command.PointAmount, 0, sourceAfter, source.FrozenAmount, source.Version+1, metadata, nowMS, bizTypePointTransferToCoinSeller),
+		balanceChangedEvent(transactionID, command.CommandID, command.SellerUserID, ledger.AssetCoinSellerCoin, sellerCoinAmount, 0, sellerAfter, seller.FrozenAmount, seller.Version+1, metadata, nowMS, bizTypePointTransferToCoinSeller),
+	}); err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	if err := tx.Commit(); err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	return receiptFromPointToCoinSellerMetadata(transactionID, metadata), nil
+}
+
+// GetPointWithdrawalConfig 只读取已发布钱包政策；不存在时显式 found=false，gateway 不回退到猜测参数。
+func (r *Repository) GetPointWithdrawalConfig(ctx context.Context, appCode string, regionID int64, nowMS int64) (ledger.PointWithdrawalRuntimeConfig, error) {
+	if r == nil || r.db == nil {
+		return ledger.PointWithdrawalRuntimeConfig{}, xerr.New(xerr.Unavailable, "mysql repository is not configured")
+	}
+	ctx = contextWithCommandApp(ctx, appCode)
+	tx, err := r.db.BeginTx(ctx, &sql.TxOptions{ReadOnly: true})
+	if err != nil {
+		return ledger.PointWithdrawalRuntimeConfig{}, err
+	}
+	defer func() { _ = tx.Rollback() }()
+	policy, found, err := r.resolveActiveWalletPolicy(ctx, tx, appcode.FromContext(ctx), regionID, nowMS)
+	if err != nil || !found {
+		return ledger.PointWithdrawalRuntimeConfig{Found: false}, err
+	}
+	return ledger.PointWithdrawalRuntimeConfig{Found: true, PointsPerUSD: policy.PointsPerUSD, FeeBPS: policy.WithdrawFeeBPS, MinimumPoints: pointWithdrawalMinimumPoints, PolicyInstanceCode: policy.InstanceCode}, nil
+}
+
+func (r *Repository) lockPointWithdrawalCoinSellerConfig(ctx context.Context, tx *sql.Tx, sellerUserID int64) (ledger.PointWithdrawalCoinSellerConfig, error) {
+	var item ledger.PointWithdrawalCoinSellerConfig
+	var countriesJSON []byte
+	err := tx.QueryRowContext(ctx, `
+		SELECT app_code, seller_user_id, sort_order, point_amount, seller_coin_amount,
+		       service_country_codes, status, created_at_ms, updated_at_ms
+		FROM point_withdrawal_coin_seller_configs
+		WHERE app_code = ? AND seller_user_id = ? AND status = 'active'
+		FOR UPDATE`, appcode.FromContext(ctx), sellerUserID).Scan(
+		&item.AppCode, &item.SellerUserID, &item.SortOrder, &item.PointAmount, &item.SellerCoinAmount,
+		&countriesJSON, &item.Status, &item.CreatedAtMS, &item.UpdatedAtMS,
+	)
+	if errors.Is(err, sql.ErrNoRows) {
+		return item, xerr.New(xerr.NotFound, "point withdrawal coin seller is not available")
+	}
+	if err != nil {
+		return item, err
+	}
+	if err := json.Unmarshal(countriesJSON, &item.ServiceCountryCodes); err != nil || item.PointAmount <= 0 || item.SellerCoinAmount <= 0 {
+		return item, xerr.New(xerr.Internal, "point withdrawal coin seller config is invalid")
+	}
+	item.ServiceCountryCodes = normalizeCountryCodes(item.ServiceCountryCodes)
+	return item, nil
+}
+
+func (r *Repository) receiptForPointToCoinSellerTransaction(ctx context.Context, tx *sql.Tx, transactionID string) (ledger.PointToCoinSellerReceipt, error) {
+	var metadataJSON string
+	if err := tx.QueryRowContext(ctx, `SELECT COALESCE(CAST(metadata_json AS CHAR), '{}') FROM wallet_transactions WHERE app_code = ? AND transaction_id = ?`, appcode.FromContext(ctx), transactionID).Scan(&metadataJSON); err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	var metadata pointToCoinSellerMetadata
+	if err := json.Unmarshal([]byte(metadataJSON), &metadata); err != nil {
+		return ledger.PointToCoinSellerReceipt{}, err
+	}
+	return receiptFromPointToCoinSellerMetadata(transactionID, metadata), nil
+}
+
+func receiptFromPointToCoinSellerMetadata(transactionID string, metadata pointToCoinSellerMetadata) ledger.PointToCoinSellerReceipt {
+	return ledger.PointToCoinSellerReceipt{
+		TransactionID: transactionID, SourceUserID: metadata.SourceUserID, SellerUserID: metadata.SellerUserID,
+		SourcePointBalanceAfter: metadata.SourcePointBalanceAfter, SellerBalanceAfter: metadata.SellerBalanceAfter,
+		PointAmount: metadata.PointAmount, SellerCoinAmount: metadata.SellerCoinAmount,
+		RatioPointAmount: metadata.RatioPointAmount, RatioSellerCoinAmount: metadata.RatioSellerCoinAmount, CreatedAtMS: metadata.CreatedAtMS,
+	}
+}
+
+func normalizeCountryCodes(values []string) []string {
+	seen := make(map[string]struct{}, len(values))
+	out := make([]string, 0, len(values))
+	for _, value := range values {
+		value = strings.ToUpper(strings.TrimSpace(value))
+		if value == "" {
+			continue
+		}
+		if _, exists := seen[value]; exists {
+			continue
+		}
+		seen[value] = struct{}{}
+		out = append(out, value)
+	}
+	return out
+}
+
+func countryAllowed(configured []string, countryCode string) bool {
+	if len(configured) == 0 {
+		return true
+	}
+	countryCode = strings.ToUpper(strings.TrimSpace(countryCode))
+	if countryCode == "" {
+		return false
+	}
+	for _, configuredCode := range configured {
+		if strings.EqualFold(configuredCode, countryCode) {
+			return true
+		}
+	}
+	return false
+}

services/wallet-service/internal/storage/mysql/policy_instance.go

@@ -12,14 +12,15 @@ import (
 )
 
 type walletPolicyInstance struct {
-	InstanceCode      string
+	InstanceCode        string
-	TemplateCode      string
+	TemplateCode        string
-	TemplateVersion   string
+	TemplateVersion     string
-	RegionID          int64
+	RegionID            int64
-	HostPointAsset    string
+	HostPointAsset      string
-	HostPointRatioPPM int64
+	HostPointRatioPPM   int64
-	PointsPerUSD      int64
+	AgencyPointRatioPPM int64
-	WithdrawFeeBPS    int64
+	PointsPerUSD        int64
+	WithdrawFeeBPS      int64
 }
 
 func (r *Repository) resolveActiveWalletPolicy(ctx context.Context, tx *sql.Tx, appCode string, regionID int64, nowMS int64) (walletPolicyInstance, bool, error) {
@@ -29,7 +30,7 @@ func (r *Repository) resolveActiveWalletPolicy(ctx context.Context, tx *sql.Tx,
 	}
 	row := tx.QueryRowContext(ctx, `
 		SELECT instance_code, template_code, template_version, region_id, host_point_asset_type,
-		       host_point_ratio_ppm, points_per_usd, withdraw_fee_bps
+		       host_point_ratio_ppm, agency_point_ratio_ppm, points_per_usd, withdraw_fee_bps
 		FROM wallet_policy_instances
 		WHERE app_code = ?
 		  AND region_id IN (?, 0)
@@ -41,7 +42,7 @@ func (r *Repository) resolveActiveWalletPolicy(ctx context.Context, tx *sql.Tx,
 		appCode, regionID, nowMS, nowMS, regionID,
 	)
 	var item walletPolicyInstance
-	if err := row.Scan(&item.InstanceCode, &item.TemplateCode, &item.TemplateVersion, &item.RegionID, &item.HostPointAsset, &item.HostPointRatioPPM, &item.PointsPerUSD, &item.WithdrawFeeBPS); err != nil {
+	if err := row.Scan(&item.InstanceCode, &item.TemplateCode, &item.TemplateVersion, &item.RegionID, &item.HostPointAsset, &item.HostPointRatioPPM, &item.AgencyPointRatioPPM, &item.PointsPerUSD, &item.WithdrawFeeBPS); err != nil {
 		if errors.Is(err, sql.ErrNoRows) {
 			return walletPolicyInstance{}, false, nil
 		}
@@ -51,7 +52,7 @@ func (r *Repository) resolveActiveWalletPolicy(ctx context.Context, tx *sql.Tx,
 	if item.HostPointAsset == "" {
 		item.HostPointAsset = ledger.AssetPoint
 	}
-	if item.HostPointAsset != ledger.AssetPoint || item.HostPointRatioPPM <= 0 || item.HostPointRatioPPM > 1_000_000 || item.PointsPerUSD <= 0 || item.WithdrawFeeBPS < 0 || item.WithdrawFeeBPS > 10_000 {
+	if item.HostPointAsset != ledger.AssetPoint || item.HostPointRatioPPM <= 0 || item.HostPointRatioPPM > 1_000_000 || item.AgencyPointRatioPPM < 0 || item.AgencyPointRatioPPM > 1_000_000 || item.HostPointRatioPPM+item.AgencyPointRatioPPM > 1_000_000 || item.PointsPerUSD <= 0 || item.WithdrawFeeBPS < 0 || item.WithdrawFeeBPS > 10_000 {
 		return walletPolicyInstance{}, false, xerr.New(xerr.InvalidArgument, "wallet policy instance is invalid")
 	}
 	return item, true, nil

services/wallet-service/internal/storage/mysql/repository.go

@@ -71,6 +71,10 @@ func Open(ctx context.Context, dsn string) (*Repository, error) {
 		_ = db.Close()
 		return nil, err
 	}
+	if err := ensurePointWithdrawalCoinSellerSchema(ctx, db); err != nil {
+		_ = db.Close()
+		return nil, err
+	}
 
 	return &Repository{db: db}, nil
 }

services/wallet-service/internal/storage/mysql/schema.go

@@ -207,6 +207,7 @@ func ensureWalletPolicyInstanceSchema(ctx context.Context, db *sql.DB) error {
 		  effective_to_ms BIGINT NOT NULL DEFAULT 0 COMMENT '0 表示长期有效',
 		  host_point_asset_type VARCHAR(32) NOT NULL DEFAULT 'POINT' COMMENT '主播收益积分资产',
 		  host_point_ratio_ppm BIGINT NOT NULL DEFAULT 700000 COMMENT '有效付费礼物转 POINT 比例，ppm',
+		  agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT '有效付费礼物给 Agency owner 的 POINT 分成比例，ppm',
 		  points_per_usd BIGINT NOT NULL DEFAULT 100000 COMMENT 'POINT/USD 展示换算比例',
 		  withdraw_fee_bps INT NOT NULL DEFAULT 500 COMMENT '提现手续费 bps',
 		  rule_json JSON NOT NULL COMMENT '完整政策快照',
@@ -217,6 +218,50 @@ func ensureWalletPolicyInstanceSchema(ctx context.Context, db *sql.DB) error {
 		  PRIMARY KEY (app_code, instance_code, region_id),
 		  KEY idx_wallet_policy_active (app_code, region_id, status, effective_from_ms, effective_to_ms)
 		) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='钱包运行侧收益政策实例表'`)
+	if err != nil {
+		return err
+	}
+	if _, err := db.ExecContext(ctx, `ALTER TABLE wallet_policy_instances ADD COLUMN agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT '有效付费礼物给 Agency owner 的 POINT 分成比例，ppm' AFTER host_point_ratio_ppm`); err != nil && !isDuplicateColumnError(err) {
+		return err
+	}
+	_, err = db.ExecContext(ctx, `
+		CREATE TABLE IF NOT EXISTS agency_point_share_entries (
+		  app_code VARCHAR(32) NOT NULL DEFAULT 'lalu',
+		  transaction_id VARCHAR(96) NOT NULL,
+		  host_user_id BIGINT NOT NULL,
+		  agency_owner_user_id BIGINT NOT NULL,
+		  sender_user_id BIGINT NOT NULL,
+		  room_id VARCHAR(96) NOT NULL DEFAULT '',
+		  point_delta BIGINT NOT NULL,
+		  ratio_ppm BIGINT NOT NULL,
+		  policy_instance_code VARCHAR(96) NOT NULL DEFAULT '',
+		  created_at_ms BIGINT NOT NULL,
+		  PRIMARY KEY (app_code, transaction_id, agency_owner_user_id),
+		  KEY idx_agency_point_share_owner_time (app_code, agency_owner_user_id, created_at_ms),
+		  KEY idx_agency_point_share_host_time (app_code, host_user_id, created_at_ms)
+		) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='Agency POINT 礼物分成流水'`)
+	return err
+}
+
+// ensurePointWithdrawalCoinSellerSchema 创建跨 Fami/Huwaa/Lalu 共用、按 app_code 隔离的提现币商配置。
+// 表放在 wallet 数据库，保证兑换时读取比例和写账本处于同一可信服务边界，H5 不能自报比例。
+func ensurePointWithdrawalCoinSellerSchema(ctx context.Context, db *sql.DB) error {
+	_, err := db.ExecContext(ctx, `
+		CREATE TABLE IF NOT EXISTS point_withdrawal_coin_seller_configs (
+		  app_code VARCHAR(32) NOT NULL COMMENT '应用编码',
+		  seller_user_id BIGINT NOT NULL COMMENT '币商用户 ID',
+		  sort_order INT NOT NULL DEFAULT 0 COMMENT '展示顺序，越小越靠前',
+		  point_amount BIGINT NOT NULL COMMENT '兑换比例中的 POINT 分母',
+		  seller_coin_amount BIGINT NOT NULL COMMENT '兑换比例中的币商金币分子',
+		  service_country_codes JSON NOT NULL COMMENT '服务国家码数组；空数组表示不限国家',
+		  status VARCHAR(24) NOT NULL DEFAULT 'active' COMMENT 'active/disabled',
+		  created_by_admin_id BIGINT UNSIGNED NOT NULL DEFAULT 0,
+		  updated_by_admin_id BIGINT UNSIGNED NOT NULL DEFAULT 0,
+		  created_at_ms BIGINT NOT NULL,
+		  updated_at_ms BIGINT NOT NULL,
+		  PRIMARY KEY (app_code, seller_user_id),
+		  KEY idx_point_withdraw_seller_list (app_code, status, sort_order, seller_user_id)
+		) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='POINT 提现币商白名单与兑换比例'`)
 	return err
 }
 

services/wallet-service/internal/testutil/mysqltest/mysqltest.go

@@ -4,6 +4,7 @@ package mysqltest
 import (
 	"context"
 	"database/sql"
+	"encoding/json"
 	"fmt"
 	"strings"
 	"testing"
@@ -14,6 +15,31 @@ import (
 	mysqlstorage "hyapp/services/wallet-service/internal/storage/mysql"
 )
 
+// SetPointWithdrawalCoinSellerConfig seeds one app-scoped whitelist row for real ledger tests.
+func (r *Repository) SetPointWithdrawalCoinSellerConfig(appCode string, sellerUserID int64, pointAmount int64, sellerCoinAmount int64, countryCodes []string, status string, sortOrder int) {
+	r.t.Helper()
+	countriesJSON, err := json.Marshal(countryCodes)
+	if err != nil {
+		r.t.Fatalf("marshal point withdrawal countries failed: %v", err)
+	}
+	if status == "" {
+		status = "active"
+	}
+	nowMS := time.Now().UnixMilli()
+	if _, err := r.schema.DB.ExecContext(context.Background(), `
+		INSERT INTO point_withdrawal_coin_seller_configs (
+		  app_code, seller_user_id, sort_order, point_amount, seller_coin_amount, service_country_codes,
+		  status, created_by_admin_id, updated_by_admin_id, created_at_ms, updated_at_ms
+		) VALUES (?, ?, ?, ?, ?, ?, ?, 0, 0, ?, ?)
+		ON DUPLICATE KEY UPDATE
+		  sort_order = VALUES(sort_order), point_amount = VALUES(point_amount), seller_coin_amount = VALUES(seller_coin_amount),
+		  service_country_codes = VALUES(service_country_codes), status = VALUES(status), updated_at_ms = VALUES(updated_at_ms)`,
+		appCode, sellerUserID, sortOrder, pointAmount, sellerCoinAmount, countriesJSON, status, nowMS, nowMS,
+	); err != nil {
+		r.t.Fatalf("seed point withdrawal coin seller config failed: %v", err)
+	}
+}
+
 // Repository wraps the production MySQL wallet repository with test seed helpers.
 type Repository struct {
 	*mysqlstorage.Repository
@@ -371,22 +397,28 @@ func (r *Repository) SetAssetBalanceForApp(appCode string, userID int64, assetTy
 
 // SeedWalletPolicyInstance writes the wallet runtime policy row consumed by gift settlement tests.
 func (r *Repository) SeedWalletPolicyInstance(appCode string, instanceCode string, regionID int64, status string, hostPointRatioPPM int64) {
+	r.SeedWalletPolicyInstanceWithAgency(appCode, instanceCode, regionID, status, hostPointRatioPPM, 0)
+}
+
+// SeedWalletPolicyInstanceWithAgency 让账务测试显式声明 Agency 比例，避免普通 policy fixture 意外改变旧用例语义。
+func (r *Repository) SeedWalletPolicyInstanceWithAgency(appCode string, instanceCode string, regionID int64, status string, hostPointRatioPPM int64, agencyPointRatioPPM int64) {
 	r.t.Helper()
 
 	nowMs := time.Now().UnixMilli()
 	_, err := r.schema.DB.ExecContext(context.Background(), `
 		INSERT INTO wallet_policy_instances (
 			app_code, instance_code, template_code, template_version, region_id, status,
-			effective_from_ms, effective_to_ms, host_point_asset_type, host_point_ratio_ppm,
+			effective_from_ms, effective_to_ms, host_point_asset_type, host_point_ratio_ppm, agency_point_ratio_ppm,
 			points_per_usd, withdraw_fee_bps, rule_json, published_by_admin_id,
 			published_at_ms, created_at_ms, updated_at_ms
-		) VALUES (?, ?, ?, 'v1', ?, ?, 0, 0, 'POINT', ?, 100000, 500, JSON_OBJECT(), 90001, ?, ?, ?)
+		) VALUES (?, ?, ?, 'v1', ?, ?, 0, 0, 'POINT', ?, ?, 100000, 500, JSON_OBJECT(), 90001, ?, ?, ?)
 		ON DUPLICATE KEY UPDATE
 			status = VALUES(status),
 			host_point_ratio_ppm = VALUES(host_point_ratio_ppm),
+			agency_point_ratio_ppm = VALUES(agency_point_ratio_ppm),
 			published_at_ms = VALUES(published_at_ms),
 			updated_at_ms = VALUES(updated_at_ms)
-	`, strings.TrimSpace(appCode), strings.TrimSpace(instanceCode), strings.TrimSpace(instanceCode)+"_template", regionID, strings.TrimSpace(status), hostPointRatioPPM, nowMs, nowMs, nowMs)
+	`, strings.TrimSpace(appCode), strings.TrimSpace(instanceCode), strings.TrimSpace(instanceCode)+"_template", regionID, strings.TrimSpace(status), hostPointRatioPPM, agencyPointRatioPPM, nowMs, nowMs, nowMs)
 	if err != nil {
 		r.t.Fatalf("seed wallet policy instance failed: %v", err)
 	}

services/wallet-service/internal/transport/grpc/agency_host_gift_stats.go

@@ -0,0 +1,23 @@
+package grpc
+
+import (
+	"context"
+
+	walletv1 "hyapp.local/api/proto/wallet/v1"
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+func (s *Server) GetAgencyHostGiftStats(ctx context.Context, req *walletv1.GetAgencyHostGiftStatsRequest) (*walletv1.GetAgencyHostGiftStatsResponse, error) {
+	ctx = appcode.WithContext(ctx, req.GetAppCode())
+	stats, err := s.svc.GetAgencyHostGiftStats(ctx, req.GetAppCode(), ledger.AgencyHostGiftStatsQuery{
+		HostUserIDs: req.GetHostUserIds(), StartAtMS: req.GetStartAtMs(), EndAtMS: req.GetEndAtMs(),
+	})
+	if err != nil {
+		return nil, xerr.ToGRPCError(err)
+	}
+	return &walletv1.GetAgencyHostGiftStatsResponse{Stats: &walletv1.AgencyHostGiftStats{
+		GiftIncome: stats.GiftIncome, GiftedHostCount: stats.GiftedHostCount,
+	}}, nil
+}

services/wallet-service/internal/transport/grpc/agency_point_share_stats.go

@@ -0,0 +1,26 @@
+package grpc
+
+import (
+	"context"
+
+	walletv1 "hyapp.local/api/proto/wallet/v1"
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+func (s *Server) GetAgencyPointShareStats(ctx context.Context, req *walletv1.GetAgencyPointShareStatsRequest) (*walletv1.GetAgencyPointShareStatsResponse, error) {
+	ctx = appcode.WithContext(ctx, req.GetAppCode())
+	stats, err := s.svc.GetAgencyPointShareStats(ctx, req.GetAppCode(), ledger.AgencyPointShareStatsQuery{
+		AgencyOwnerUserID: req.GetAgencyOwnerUserId(),
+		StartAtMS:         req.GetStartAtMs(),
+		EndAtMS:           req.GetEndAtMs(),
+	})
+	if err != nil {
+		return nil, xerr.ToGRPCError(err)
+	}
+	return &walletv1.GetAgencyPointShareStatsResponse{Stats: &walletv1.AgencyPointShareStats{
+		ShareIncome:     stats.ShareIncome,
+		GiftedHostCount: stats.GiftedHostCount,
+	}}, nil
+}

services/wallet-service/internal/transport/grpc/host_revenue_stats.go

@@ -0,0 +1,28 @@
+package grpc
+
+import (
+	"context"
+
+	walletv1 "hyapp.local/api/proto/wallet/v1"
+	"hyapp/pkg/appcode"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+// GetHostRevenueStats 返回钱包账本内的 POINT 收益、兑换和去重送礼用户。
+func (s *Server) GetHostRevenueStats(ctx context.Context, req *walletv1.GetHostRevenueStatsRequest) (*walletv1.GetHostRevenueStatsResponse, error) {
+	ctx = appcode.WithContext(ctx, req.GetAppCode())
+	stats, err := s.svc.GetHostRevenueStats(ctx, req.GetAppCode(), ledger.HostRevenueStatsQuery{
+		HostUserID: req.GetHostUserId(),
+		StartAtMS:  req.GetStartAtMs(),
+		EndAtMS:    req.GetEndAtMs(),
+	})
+	if err != nil {
+		return nil, xerr.ToGRPCError(err)
+	}
+	return &walletv1.GetHostRevenueStatsResponse{Stats: &walletv1.HostRevenueStats{
+		DiamondEarnings:  stats.DiamondEarnings,
+		DiamondExchanged: stats.DiamondExchanged,
+		GiftSenders:      stats.GiftSenders,
+	}}, nil
+}

services/wallet-service/internal/transport/grpc/point_coin_seller.go

@@ -0,0 +1,57 @@
+package grpc
+
+import (
+	"context"
+
+	walletv1 "hyapp.local/api/proto/wallet/v1"
+	"hyapp/pkg/xerr"
+	"hyapp/services/wallet-service/internal/domain/ledger"
+)
+
+// ListPointWithdrawalCoinSellers 返回 wallet 侧已执行 app/status/国家过滤的可信白名单。
+func (s *Server) ListPointWithdrawalCoinSellers(ctx context.Context, req *walletv1.ListPointWithdrawalCoinSellersRequest) (*walletv1.ListPointWithdrawalCoinSellersResponse, error) {
+	items, err := s.svc.ListPointWithdrawalCoinSellers(ctx, req.GetAppCode(), req.GetCountryCode(), req.GetIncludeDisabled())
+	if err != nil {
+		return nil, xerr.ToGRPCError(err)
+	}
+	response := &walletv1.ListPointWithdrawalCoinSellersResponse{Sellers: make([]*walletv1.PointWithdrawalCoinSellerConfig, 0, len(items))}
+	for _, item := range items {
+		response.Sellers = append(response.Sellers, &walletv1.PointWithdrawalCoinSellerConfig{
+			AppCode: item.AppCode, SellerUserId: item.SellerUserID, SortOrder: int32(item.SortOrder),
+			PointAmount: item.PointAmount, SellerCoinAmount: item.SellerCoinAmount,
+			ServiceCountryCodes: append([]string(nil), item.ServiceCountryCodes...), Status: item.Status,
+			CreatedAtMs: item.CreatedAtMS, UpdatedAtMs: item.UpdatedAtMS,
+		})
+	}
+	return response, nil
+}
+
+// TransferPointToCoinSeller 不接受兑换比例字段，确保所有调用方都只能使用数据库白名单快照。
+func (s *Server) TransferPointToCoinSeller(ctx context.Context, req *walletv1.TransferPointToCoinSellerRequest) (*walletv1.TransferPointToCoinSellerResponse, error) {
+	receipt, err := s.svc.TransferPointToCoinSeller(ctx, ledger.PointToCoinSellerCommand{
+		AppCode: req.GetAppCode(), CommandID: req.GetCommandId(), SourceUserID: req.GetSourceUserId(),
+		SellerUserID: req.GetSellerUserId(), PointAmount: req.GetPointAmount(),
+		SourceCountryCode: req.GetSourceCountryCode(), Reason: req.GetReason(),
+	})
+	if err != nil {
+		return nil, xerr.ToGRPCError(err)
+	}
+	return &walletv1.TransferPointToCoinSellerResponse{
+		TransactionId: receipt.TransactionID, SourcePointBalanceAfter: receipt.SourcePointBalanceAfter,
+		SellerBalanceAfter: receipt.SellerBalanceAfter, PointAmount: receipt.PointAmount,
+		SellerCoinAmount: receipt.SellerCoinAmount, RatioPointAmount: receipt.RatioPointAmount,
+		RatioSellerCoinAmount: receipt.RatioSellerCoinAmount,
+	}, nil
+}
+
+// GetPointWithdrawalConfig 暴露政策编译后的最小运行参数，H5 不解析 Admin rule_json。
+func (s *Server) GetPointWithdrawalConfig(ctx context.Context, req *walletv1.GetPointWithdrawalConfigRequest) (*walletv1.GetPointWithdrawalConfigResponse, error) {
+	config, err := s.svc.GetPointWithdrawalConfig(ctx, req.GetAppCode(), req.GetRegionId(), req.GetNowMs())
+	if err != nil {
+		return nil, xerr.ToGRPCError(err)
+	}
+	return &walletv1.GetPointWithdrawalConfigResponse{
+		Found: config.Found, PointsPerUsd: config.PointsPerUSD, FeeBps: int32(config.FeeBPS),
+		MinimumPoints: config.MinimumPoints, PolicyInstanceCode: config.PolicyInstanceCode,
+	}, nil
+}