子币商以及充值流水

2026-07-09 18:15:57 +08:00 · 2026-07-09 18:15:57 +08:00 · ccc2a8b108
commit ccc2a8b108
parent dd20dbcd4d
47 changed files with 6628 additions and 3489 deletions
--- a/api/proto/user/v1/host.pb.go
+++ b/api/proto/user/v1/host.pb.go
--- a/api/proto/user/v1/host.proto
+++ b/api/proto/user/v1/host.proto
@ -93,6 +93,21 @@ message CoinSellerSubRelation {
  int64 updated_at_ms = 7;
 }

+// CoinSellerSubApplication 是父币商邀请子币商后的后台审核事实。
+message CoinSellerSubApplication {
+  int64 application_id = 1;
+  string command_id = 2;
+  int64 parent_user_id = 3;
+  int64 target_user_id = 4;
+  string status = 5;
+  int64 relation_id = 6;
+  int64 reviewed_by_admin_id = 7;
+  string review_reason = 8;
+  int64 reviewed_at_ms = 9;
+  int64 created_at_ms = 10;
+  int64 updated_at_ms = 11;
+}
+
 // UserRoleSummary 是 App 我的页和入口显隐使用的轻量角色摘要。
 // 它把 host、Agency、manager、BD 和币商身份收敛到一次 user-service RPC，避免 gateway 随角色扩张继续 fanout。
 message UserRoleSummary {
@ -399,6 +414,17 @@ message CreateSubCoinSellerResponse {
  CoinSellerListItem child = 2;
 }

+message SubmitSubCoinSellerApplicationRequest {
+  RequestMeta meta = 1;
+  string command_id = 2;
+  int64 parent_user_id = 3;
+  int64 target_user_id = 4;
+}
+
+message SubmitSubCoinSellerApplicationResponse {
+  CoinSellerSubApplication application = 1;
+}
+
 message ListSubCoinSellersRequest {
  RequestMeta meta = 1;
  int64 parent_user_id = 2;
@ -540,6 +566,21 @@ message SetCoinSellerStatusResponse {
  CoinSellerProfile coin_seller_profile = 1;
 }

+message ReviewSubCoinSellerApplicationRequest {
+  RequestMeta meta = 1;
+  string command_id = 2;
+  int64 admin_user_id = 3;
+  int64 application_id = 4;
+  string decision = 5;
+  string reason = 6;
+}
+
+message ReviewSubCoinSellerApplicationResponse {
+  CoinSellerSubApplication application = 1;
+  CoinSellerSubRelation relation = 2;
+  CoinSellerListItem child = 3;
+}
+
 message CreateAgencyRequest {
  RequestMeta meta = 1;
  string command_id = 2;
@ -660,6 +701,7 @@ service UserHostService {
  rpc GetCoinSellerProfile(GetCoinSellerProfileRequest) returns (GetCoinSellerProfileResponse);
  rpc ListActiveCoinSellersInMyRegion(ListActiveCoinSellersInMyRegionRequest) returns (ListActiveCoinSellersInMyRegionResponse);
  rpc CreateSubCoinSeller(CreateSubCoinSellerRequest) returns (CreateSubCoinSellerResponse);
+  rpc SubmitSubCoinSellerApplication(SubmitSubCoinSellerApplicationRequest) returns (SubmitSubCoinSellerApplicationResponse);
  rpc ListSubCoinSellers(ListSubCoinSellersRequest) returns (ListSubCoinSellersResponse);
  rpc CheckCoinSellerSubRelation(CheckCoinSellerSubRelationRequest) returns (CheckCoinSellerSubRelationResponse);
  rpc GetUserRoleSummary(GetUserRoleSummaryRequest) returns (GetUserRoleSummaryResponse);
@ -677,6 +719,7 @@ service UserHostAdminService {
  rpc SetBDStatus(SetBDStatusRequest) returns (SetBDStatusResponse);
  rpc CreateCoinSeller(CreateCoinSellerRequest) returns (CreateCoinSellerResponse);
  rpc SetCoinSellerStatus(SetCoinSellerStatusRequest) returns (SetCoinSellerStatusResponse);
+  rpc ReviewSubCoinSellerApplication(ReviewSubCoinSellerApplicationRequest) returns (ReviewSubCoinSellerApplicationResponse);
  rpc CreateAgency(CreateAgencyRequest) returns (CreateAgencyResponse);
  rpc AdminAddAgencyHost(AdminAddAgencyHostRequest) returns (AdminAddAgencyHostResponse);
  rpc CloseAgency(CloseAgencyRequest) returns (CloseAgencyResponse);
--- a/api/proto/user/v1/host_grpc.pb.go
+++ b/api/proto/user/v1/host_grpc.pb.go
@ -39,6 +39,7 @@ const (
 	UserHostService_GetCoinSellerProfile_FullMethodName            = "/hyapp.user.v1.UserHostService/GetCoinSellerProfile"
 	UserHostService_ListActiveCoinSellersInMyRegion_FullMethodName = "/hyapp.user.v1.UserHostService/ListActiveCoinSellersInMyRegion"
 	UserHostService_CreateSubCoinSeller_FullMethodName             = "/hyapp.user.v1.UserHostService/CreateSubCoinSeller"
+	UserHostService_SubmitSubCoinSellerApplication_FullMethodName  = "/hyapp.user.v1.UserHostService/SubmitSubCoinSellerApplication"
 	UserHostService_ListSubCoinSellers_FullMethodName              = "/hyapp.user.v1.UserHostService/ListSubCoinSellers"
 	UserHostService_CheckCoinSellerSubRelation_FullMethodName      = "/hyapp.user.v1.UserHostService/CheckCoinSellerSubRelation"
 	UserHostService_GetUserRoleSummary_FullMethodName              = "/hyapp.user.v1.UserHostService/GetUserRoleSummary"
@ -76,6 +77,7 @@ type UserHostServiceClient interface {
 	GetCoinSellerProfile(ctx context.Context, in *GetCoinSellerProfileRequest, opts ...grpc.CallOption) (*GetCoinSellerProfileResponse, error)
 	ListActiveCoinSellersInMyRegion(ctx context.Context, in *ListActiveCoinSellersInMyRegionRequest, opts ...grpc.CallOption) (*ListActiveCoinSellersInMyRegionResponse, error)
 	CreateSubCoinSeller(ctx context.Context, in *CreateSubCoinSellerRequest, opts ...grpc.CallOption) (*CreateSubCoinSellerResponse, error)
+	SubmitSubCoinSellerApplication(ctx context.Context, in *SubmitSubCoinSellerApplicationRequest, opts ...grpc.CallOption) (*SubmitSubCoinSellerApplicationResponse, error)
 	ListSubCoinSellers(ctx context.Context, in *ListSubCoinSellersRequest, opts ...grpc.CallOption) (*ListSubCoinSellersResponse, error)
 	CheckCoinSellerSubRelation(ctx context.Context, in *CheckCoinSellerSubRelationRequest, opts ...grpc.CallOption) (*CheckCoinSellerSubRelationResponse, error)
 	GetUserRoleSummary(ctx context.Context, in *GetUserRoleSummaryRequest, opts ...grpc.CallOption) (*GetUserRoleSummaryResponse, error)
@ -294,6 +296,16 @@ func (c *userHostServiceClient) CreateSubCoinSeller(ctx context.Context, in *Cre
 	return out, nil
 }

+func (c *userHostServiceClient) SubmitSubCoinSellerApplication(ctx context.Context, in *SubmitSubCoinSellerApplicationRequest, opts ...grpc.CallOption) (*SubmitSubCoinSellerApplicationResponse, error) {
+	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
+	out := new(SubmitSubCoinSellerApplicationResponse)
+	err := c.cc.Invoke(ctx, UserHostService_SubmitSubCoinSellerApplication_FullMethodName, in, out, cOpts...)
+	if err != nil {
+		return nil, err
+	}
+	return out, nil
+}
+
 func (c *userHostServiceClient) ListSubCoinSellers(ctx context.Context, in *ListSubCoinSellersRequest, opts ...grpc.CallOption) (*ListSubCoinSellersResponse, error) {
 	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
 	out := new(ListSubCoinSellersResponse)
@ -401,6 +413,7 @@ type UserHostServiceServer interface {
 	GetCoinSellerProfile(context.Context, *GetCoinSellerProfileRequest) (*GetCoinSellerProfileResponse, error)
 	ListActiveCoinSellersInMyRegion(context.Context, *ListActiveCoinSellersInMyRegionRequest) (*ListActiveCoinSellersInMyRegionResponse, error)
 	CreateSubCoinSeller(context.Context, *CreateSubCoinSellerRequest) (*CreateSubCoinSellerResponse, error)
+	SubmitSubCoinSellerApplication(context.Context, *SubmitSubCoinSellerApplicationRequest) (*SubmitSubCoinSellerApplicationResponse, error)
 	ListSubCoinSellers(context.Context, *ListSubCoinSellersRequest) (*ListSubCoinSellersResponse, error)
 	CheckCoinSellerSubRelation(context.Context, *CheckCoinSellerSubRelationRequest) (*CheckCoinSellerSubRelationResponse, error)
 	GetUserRoleSummary(context.Context, *GetUserRoleSummaryRequest) (*GetUserRoleSummaryResponse, error)
@ -479,6 +492,9 @@ func (UnimplementedUserHostServiceServer) ListActiveCoinSellersInMyRegion(contex
 func (UnimplementedUserHostServiceServer) CreateSubCoinSeller(context.Context, *CreateSubCoinSellerRequest) (*CreateSubCoinSellerResponse, error) {
 	return nil, status.Errorf(codes.Unimplemented, "method CreateSubCoinSeller not implemented")
 }
+func (UnimplementedUserHostServiceServer) SubmitSubCoinSellerApplication(context.Context, *SubmitSubCoinSellerApplicationRequest) (*SubmitSubCoinSellerApplicationResponse, error) {
+	return nil, status.Errorf(codes.Unimplemented, "method SubmitSubCoinSellerApplication not implemented")
+}
 func (UnimplementedUserHostServiceServer) ListSubCoinSellers(context.Context, *ListSubCoinSellersRequest) (*ListSubCoinSellersResponse, error) {
 	return nil, status.Errorf(codes.Unimplemented, "method ListSubCoinSellers not implemented")
 }
@ -884,6 +900,24 @@ func _UserHostService_CreateSubCoinSeller_Handler(srv interface{}, ctx context.C
 	return interceptor(ctx, in, info, handler)
 }

+func _UserHostService_SubmitSubCoinSellerApplication_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
+	in := new(SubmitSubCoinSellerApplicationRequest)
+	if err := dec(in); err != nil {
+		return nil, err
+	}
+	if interceptor == nil {
+		return srv.(UserHostServiceServer).SubmitSubCoinSellerApplication(ctx, in)
+	}
+	info := &grpc.UnaryServerInfo{
+		Server:     srv,
+		FullMethod: UserHostService_SubmitSubCoinSellerApplication_FullMethodName,
+	}
+	handler := func(ctx context.Context, req interface{}) (interface{}, error) {
+		return srv.(UserHostServiceServer).SubmitSubCoinSellerApplication(ctx, req.(*SubmitSubCoinSellerApplicationRequest))
+	}
+	return interceptor(ctx, in, info, handler)
+}
+
 func _UserHostService_ListSubCoinSellers_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
 	in := new(ListSubCoinSellersRequest)
 	if err := dec(in); err != nil {
@ -1115,6 +1149,10 @@ var UserHostService_ServiceDesc = grpc.ServiceDesc{
 			MethodName: "CreateSubCoinSeller",
 			Handler:    _UserHostService_CreateSubCoinSeller_Handler,
 		},
+		{
+			MethodName: "SubmitSubCoinSellerApplication",
+			Handler:    _UserHostService_SubmitSubCoinSellerApplication_Handler,
+		},
 		{
 			MethodName: "ListSubCoinSellers",
 			Handler:    _UserHostService_ListSubCoinSellers_Handler,
@ -1153,17 +1191,18 @@ var UserHostService_ServiceDesc = grpc.ServiceDesc{
 }

 const (
-	UserHostAdminService_CreateBDLeader_FullMethodName       = "/hyapp.user.v1.UserHostAdminService/CreateBDLeader"
-	UserHostAdminService_CreateBD_FullMethodName             = "/hyapp.user.v1.UserHostAdminService/CreateBD"
-	UserHostAdminService_SetBDStatus_FullMethodName          = "/hyapp.user.v1.UserHostAdminService/SetBDStatus"
-	UserHostAdminService_CreateCoinSeller_FullMethodName     = "/hyapp.user.v1.UserHostAdminService/CreateCoinSeller"
-	UserHostAdminService_SetCoinSellerStatus_FullMethodName  = "/hyapp.user.v1.UserHostAdminService/SetCoinSellerStatus"
-	UserHostAdminService_CreateAgency_FullMethodName         = "/hyapp.user.v1.UserHostAdminService/CreateAgency"
-	UserHostAdminService_AdminAddAgencyHost_FullMethodName   = "/hyapp.user.v1.UserHostAdminService/AdminAddAgencyHost"
-	UserHostAdminService_CloseAgency_FullMethodName          = "/hyapp.user.v1.UserHostAdminService/CloseAgency"
-	UserHostAdminService_DeleteAgency_FullMethodName         = "/hyapp.user.v1.UserHostAdminService/DeleteAgency"
-	UserHostAdminService_SetAgencyStatus_FullMethodName      = "/hyapp.user.v1.UserHostAdminService/SetAgencyStatus"
-	UserHostAdminService_SetAgencyJoinEnabled_FullMethodName = "/hyapp.user.v1.UserHostAdminService/SetAgencyJoinEnabled"
+	UserHostAdminService_CreateBDLeader_FullMethodName                 = "/hyapp.user.v1.UserHostAdminService/CreateBDLeader"
+	UserHostAdminService_CreateBD_FullMethodName                       = "/hyapp.user.v1.UserHostAdminService/CreateBD"
+	UserHostAdminService_SetBDStatus_FullMethodName                    = "/hyapp.user.v1.UserHostAdminService/SetBDStatus"
+	UserHostAdminService_CreateCoinSeller_FullMethodName               = "/hyapp.user.v1.UserHostAdminService/CreateCoinSeller"
+	UserHostAdminService_SetCoinSellerStatus_FullMethodName            = "/hyapp.user.v1.UserHostAdminService/SetCoinSellerStatus"
+	UserHostAdminService_ReviewSubCoinSellerApplication_FullMethodName = "/hyapp.user.v1.UserHostAdminService/ReviewSubCoinSellerApplication"
+	UserHostAdminService_CreateAgency_FullMethodName                   = "/hyapp.user.v1.UserHostAdminService/CreateAgency"
+	UserHostAdminService_AdminAddAgencyHost_FullMethodName             = "/hyapp.user.v1.UserHostAdminService/AdminAddAgencyHost"
+	UserHostAdminService_CloseAgency_FullMethodName                    = "/hyapp.user.v1.UserHostAdminService/CloseAgency"
+	UserHostAdminService_DeleteAgency_FullMethodName                   = "/hyapp.user.v1.UserHostAdminService/DeleteAgency"
+	UserHostAdminService_SetAgencyStatus_FullMethodName                = "/hyapp.user.v1.UserHostAdminService/SetAgencyStatus"
+	UserHostAdminService_SetAgencyJoinEnabled_FullMethodName           = "/hyapp.user.v1.UserHostAdminService/SetAgencyJoinEnabled"
 )

 // UserHostAdminServiceClient is the client API for UserHostAdminService service.
@ -1177,6 +1216,7 @@ type UserHostAdminServiceClient interface {
 	SetBDStatus(ctx context.Context, in *SetBDStatusRequest, opts ...grpc.CallOption) (*SetBDStatusResponse, error)
 	CreateCoinSeller(ctx context.Context, in *CreateCoinSellerRequest, opts ...grpc.CallOption) (*CreateCoinSellerResponse, error)
 	SetCoinSellerStatus(ctx context.Context, in *SetCoinSellerStatusRequest, opts ...grpc.CallOption) (*SetCoinSellerStatusResponse, error)
+	ReviewSubCoinSellerApplication(ctx context.Context, in *ReviewSubCoinSellerApplicationRequest, opts ...grpc.CallOption) (*ReviewSubCoinSellerApplicationResponse, error)
 	CreateAgency(ctx context.Context, in *CreateAgencyRequest, opts ...grpc.CallOption) (*CreateAgencyResponse, error)
 	AdminAddAgencyHost(ctx context.Context, in *AdminAddAgencyHostRequest, opts ...grpc.CallOption) (*AdminAddAgencyHostResponse, error)
 	CloseAgency(ctx context.Context, in *CloseAgencyRequest, opts ...grpc.CallOption) (*CloseAgencyResponse, error)
@ -1243,6 +1283,16 @@ func (c *userHostAdminServiceClient) SetCoinSellerStatus(ctx context.Context, in
 	return out, nil
 }

+func (c *userHostAdminServiceClient) ReviewSubCoinSellerApplication(ctx context.Context, in *ReviewSubCoinSellerApplicationRequest, opts ...grpc.CallOption) (*ReviewSubCoinSellerApplicationResponse, error) {
+	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
+	out := new(ReviewSubCoinSellerApplicationResponse)
+	err := c.cc.Invoke(ctx, UserHostAdminService_ReviewSubCoinSellerApplication_FullMethodName, in, out, cOpts...)
+	if err != nil {
+		return nil, err
+	}
+	return out, nil
+}
+
 func (c *userHostAdminServiceClient) CreateAgency(ctx context.Context, in *CreateAgencyRequest, opts ...grpc.CallOption) (*CreateAgencyResponse, error) {
 	cOpts := append([]grpc.CallOption{grpc.StaticMethod()}, opts...)
 	out := new(CreateAgencyResponse)
@ -1314,6 +1364,7 @@ type UserHostAdminServiceServer interface {
 	SetBDStatus(context.Context, *SetBDStatusRequest) (*SetBDStatusResponse, error)
 	CreateCoinSeller(context.Context, *CreateCoinSellerRequest) (*CreateCoinSellerResponse, error)
 	SetCoinSellerStatus(context.Context, *SetCoinSellerStatusRequest) (*SetCoinSellerStatusResponse, error)
+	ReviewSubCoinSellerApplication(context.Context, *ReviewSubCoinSellerApplicationRequest) (*ReviewSubCoinSellerApplicationResponse, error)
 	CreateAgency(context.Context, *CreateAgencyRequest) (*CreateAgencyResponse, error)
 	AdminAddAgencyHost(context.Context, *AdminAddAgencyHostRequest) (*AdminAddAgencyHostResponse, error)
 	CloseAgency(context.Context, *CloseAgencyRequest) (*CloseAgencyResponse, error)
@ -1345,6 +1396,9 @@ func (UnimplementedUserHostAdminServiceServer) CreateCoinSeller(context.Context,
 func (UnimplementedUserHostAdminServiceServer) SetCoinSellerStatus(context.Context, *SetCoinSellerStatusRequest) (*SetCoinSellerStatusResponse, error) {
 	return nil, status.Errorf(codes.Unimplemented, "method SetCoinSellerStatus not implemented")
 }
+func (UnimplementedUserHostAdminServiceServer) ReviewSubCoinSellerApplication(context.Context, *ReviewSubCoinSellerApplicationRequest) (*ReviewSubCoinSellerApplicationResponse, error) {
+	return nil, status.Errorf(codes.Unimplemented, "method ReviewSubCoinSellerApplication not implemented")
+}
 func (UnimplementedUserHostAdminServiceServer) CreateAgency(context.Context, *CreateAgencyRequest) (*CreateAgencyResponse, error) {
 	return nil, status.Errorf(codes.Unimplemented, "method CreateAgency not implemented")
 }
@ -1474,6 +1528,24 @@ func _UserHostAdminService_SetCoinSellerStatus_Handler(srv interface{}, ctx cont
 	return interceptor(ctx, in, info, handler)
 }

+func _UserHostAdminService_ReviewSubCoinSellerApplication_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
+	in := new(ReviewSubCoinSellerApplicationRequest)
+	if err := dec(in); err != nil {
+		return nil, err
+	}
+	if interceptor == nil {
+		return srv.(UserHostAdminServiceServer).ReviewSubCoinSellerApplication(ctx, in)
+	}
+	info := &grpc.UnaryServerInfo{
+		Server:     srv,
+		FullMethod: UserHostAdminService_ReviewSubCoinSellerApplication_FullMethodName,
+	}
+	handler := func(ctx context.Context, req interface{}) (interface{}, error) {
+		return srv.(UserHostAdminServiceServer).ReviewSubCoinSellerApplication(ctx, req.(*ReviewSubCoinSellerApplicationRequest))
+	}
+	return interceptor(ctx, in, info, handler)
+}
+
 func _UserHostAdminService_CreateAgency_Handler(srv interface{}, ctx context.Context, dec func(interface{}) error, interceptor grpc.UnaryServerInterceptor) (interface{}, error) {
 	in := new(CreateAgencyRequest)
 	if err := dec(in); err != nil {
@ -1609,6 +1681,10 @@ var UserHostAdminService_ServiceDesc = grpc.ServiceDesc{
 			MethodName: "SetCoinSellerStatus",
 			Handler:    _UserHostAdminService_SetCoinSellerStatus_Handler,
 		},
+		{
+			MethodName: "ReviewSubCoinSellerApplication",
+			Handler:    _UserHostAdminService_ReviewSubCoinSellerApplication_Handler,
+		},
 		{
 			MethodName: "CreateAgency",
 			Handler:    _UserHostAdminService_CreateAgency_Handler,
--- a/api/proto/wallet/v1/wallet.pb.go
+++ b/api/proto/wallet/v1/wallet.pb.go
--- a/api/proto/wallet/v1/wallet.proto
+++ b/api/proto/wallet/v1/wallet.proto
@ -1780,6 +1780,7 @@ message VerifyCoinSellerRechargeReceiptRequest {
  string provider_country_code = 8;
  string provider_currency_code = 9;
  string provider_pay_type = 10;
+  int64 provider_amount_minor = 11;
 }

 message VerifyCoinSellerRechargeReceiptResponse {
--- a/server/admin/cmd/server/main.go
+++ b/server/admin/cmd/server/main.go
@ -349,7 +349,7 @@ func main() {
 		Databi:              databimodule.New(databiService, store, auditHandler),
 		FirstRechargeReward: firstrechargerewardmodule.New(activityclient.NewGRPC(activityConn), userDB, auditHandler),
 		FinanceApplication:  financeapplicationmodule.New(store, auditHandler, financeApplicationOptions...),
-		FinanceOrder:        financeordermodule.New(store, walletclient.NewGRPC(walletConn), userclient.NewGRPC(userConn), auditHandler, financeordermodule.WithLegacyCoinSellerRechargeWriters(legacyCoinSellerRechargeWriters...)),
+		FinanceOrder:        financeordermodule.New(store, walletclient.NewGRPC(walletConn), userclient.NewGRPC(userConn), auditHandler, financeordermodule.WithFinanceCoinSellerRechargeStatsRecorder(dashboardService), financeordermodule.WithLegacyCoinSellerRechargeWriters(legacyCoinSellerRechargeWriters...)),
 		FinanceWithdrawal:   financewithdrawalmodule.New(store, walletclient.NewGRPC(walletConn), activityclient.NewGRPC(activityConn), auditHandler),
 		FullServerNotice:    fullservernoticemodule.New(activityclient.NewGRPC(activityConn), auditHandler),
 		Game: gamemanagementmodule.New(
--- a/server/admin/internal/integration/userclient/client.go
+++ b/server/admin/internal/integration/userclient/client.go
@ -38,6 +38,7 @@ type Client interface {
 	SetBDStatus(ctx context.Context, req SetBDStatusRequest) (*BDProfile, error)
 	CreateCoinSeller(ctx context.Context, req CreateCoinSellerRequest) (*CoinSellerProfile, error)
 	SetCoinSellerStatus(ctx context.Context, req SetCoinSellerStatusRequest) (*CoinSellerProfile, error)
+	ReviewCoinSellerSubApplication(ctx context.Context, req ReviewCoinSellerSubApplicationRequest) (*CoinSellerSubApplicationReviewResult, error)
 	GetCoinSellerProfile(ctx context.Context, req GetCoinSellerProfileRequest) (*CoinSellerProfile, error)
 	GetUserRoleSummary(ctx context.Context, req GetUserRoleSummaryRequest) (*UserRoleSummary, error)
 	CreateAgency(ctx context.Context, req CreateAgencyRequest) (*CreateAgencyResult, error)
@ -532,6 +533,16 @@ type SetCoinSellerStatusRequest struct {
 	CanManageSubCoinSellers *bool
 }

+type ReviewCoinSellerSubApplicationRequest struct {
+	RequestID     string
+	Caller        string
+	CommandID     string
+	AdminUserID   int64
+	ApplicationID int64
+	Decision      string
+	Reason        string
+}
+
 type GetCoinSellerProfileRequest struct {
 	RequestID string
 	Caller    string
@ -698,6 +709,50 @@ type CoinSellerProfile struct {
 	UpdatedAtMs             int64  `json:"updatedAtMs"`
 }

+type CoinSellerListItem struct {
+	UserID                  int64  `json:"userId,string"`
+	DisplayUserID           string `json:"displayUserId"`
+	Username                string `json:"username"`
+	Avatar                  string `json:"avatar"`
+	RegionID                int64  `json:"regionId"`
+	RegionName              string `json:"regionName"`
+	Status                  string `json:"status"`
+	MerchantAssetType       string `json:"merchantAssetType"`
+	ContactInfo             string `json:"contactInfo"`
+	CanManageSubCoinSellers bool   `json:"canManageSubCoinSellers"`
+	UpdatedAtMs             int64  `json:"updatedAtMs"`
+}
+
+type CoinSellerSubApplication struct {
+	ApplicationID     int64  `json:"applicationId,string"`
+	CommandID         string `json:"commandId"`
+	ParentUserID      int64  `json:"parentUserId,string"`
+	TargetUserID      int64  `json:"targetUserId,string"`
+	Status            string `json:"status"`
+	RelationID        int64  `json:"relationId,string"`
+	ReviewedByAdminID int64  `json:"reviewedByAdminId,string"`
+	ReviewReason      string `json:"reviewReason"`
+	ReviewedAtMs      int64  `json:"reviewedAtMs"`
+	CreatedAtMs       int64  `json:"createdAtMs"`
+	UpdatedAtMs       int64  `json:"updatedAtMs"`
+}
+
+type CoinSellerSubRelation struct {
+	RelationID      int64  `json:"relationId,string"`
+	ParentUserID    int64  `json:"parentUserId,string"`
+	ChildUserID     int64  `json:"childUserId,string"`
+	Status          string `json:"status"`
+	CreatedByUserID int64  `json:"createdByUserId,string"`
+	CreatedAtMs     int64  `json:"createdAtMs"`
+	UpdatedAtMs     int64  `json:"updatedAtMs"`
+}
+
+type CoinSellerSubApplicationReviewResult struct {
+	Application *CoinSellerSubApplication `json:"application"`
+	Relation    *CoinSellerSubRelation    `json:"relation,omitempty"`
+	Child       *CoinSellerListItem       `json:"child,omitempty"`
+}
+
 type UserRoleSummary struct {
 	UserID                 int64  `json:"userId,string"`
 	IsHost                 bool   `json:"isHost"`
@ -819,6 +874,25 @@ func (c *GRPCClient) SetCoinSellerStatus(ctx context.Context, req SetCoinSellerS
 	return fromProtoCoinSellerProfile(resp.GetCoinSellerProfile()), nil
 }

+func (c *GRPCClient) ReviewCoinSellerSubApplication(ctx context.Context, req ReviewCoinSellerSubApplicationRequest) (*CoinSellerSubApplicationReviewResult, error) {
+	resp, err := c.hostAdminClient.ReviewSubCoinSellerApplication(ctx, &userv1.ReviewSubCoinSellerApplicationRequest{
+		Meta:          requestMeta(ctx, req.RequestID, req.Caller),
+		CommandId:     req.CommandID,
+		AdminUserId:   req.AdminUserID,
+		ApplicationId: req.ApplicationID,
+		Decision:      req.Decision,
+		Reason:        req.Reason,
+	})
+	if err != nil {
+		return nil, err
+	}
+	return &CoinSellerSubApplicationReviewResult{
+		Application: fromProtoCoinSellerSubApplication(resp.GetApplication()),
+		Relation:    fromProtoCoinSellerSubRelation(resp.GetRelation()),
+		Child:       fromProtoCoinSellerListItem(resp.GetChild()),
+	}, nil
+}
+
 func (c *GRPCClient) GetCoinSellerProfile(ctx context.Context, req GetCoinSellerProfileRequest) (*CoinSellerProfile, error) {
 	resp, err := c.hostClient.GetCoinSellerProfile(ctx, &userv1.GetCoinSellerProfileRequest{
 		Meta:   requestMeta(ctx, req.RequestID, req.Caller),
@ -1017,6 +1091,59 @@ func fromProtoCoinSellerProfile(profile *userv1.CoinSellerProfile) *CoinSellerPr
 	}
 }

+func fromProtoCoinSellerSubApplication(application *userv1.CoinSellerSubApplication) *CoinSellerSubApplication {
+	if application == nil {
+		return nil
+	}
+	return &CoinSellerSubApplication{
+		ApplicationID:     application.GetApplicationId(),
+		CommandID:         application.GetCommandId(),
+		ParentUserID:      application.GetParentUserId(),
+		TargetUserID:      application.GetTargetUserId(),
+		Status:            application.GetStatus(),
+		RelationID:        application.GetRelationId(),
+		ReviewedByAdminID: application.GetReviewedByAdminId(),
+		ReviewReason:      application.GetReviewReason(),
+		ReviewedAtMs:      application.GetReviewedAtMs(),
+		CreatedAtMs:       application.GetCreatedAtMs(),
+		UpdatedAtMs:       application.GetUpdatedAtMs(),
+	}
+}
+
+func fromProtoCoinSellerSubRelation(relation *userv1.CoinSellerSubRelation) *CoinSellerSubRelation {
+	if relation == nil {
+		return nil
+	}
+	return &CoinSellerSubRelation{
+		RelationID:      relation.GetRelationId(),
+		ParentUserID:    relation.GetParentUserId(),
+		ChildUserID:     relation.GetChildUserId(),
+		Status:          relation.GetStatus(),
+		CreatedByUserID: relation.GetCreatedByUserId(),
+		CreatedAtMs:     relation.GetCreatedAtMs(),
+		UpdatedAtMs:     relation.GetUpdatedAtMs(),
+	}
+}
+
+func fromProtoCoinSellerListItem(item *userv1.CoinSellerListItem) *CoinSellerListItem {
+	if item == nil {
+		return nil
+	}
+	return &CoinSellerListItem{
+		UserID:                  item.GetUserId(),
+		DisplayUserID:           item.GetDisplayUserId(),
+		Username:                item.GetUsername(),
+		Avatar:                  item.GetAvatar(),
+		RegionID:                item.GetRegionId(),
+		RegionName:              item.GetRegionName(),
+		Status:                  item.GetStatus(),
+		MerchantAssetType:       item.GetMerchantAssetType(),
+		ContactInfo:             item.GetContactInfo(),
+		CanManageSubCoinSellers: item.GetCanManageSubCoinSellers(),
+		UpdatedAtMs:             item.GetUpdatedAtMs(),
+	}
+}
+
 func fromProtoUserRoleSummary(summary *userv1.UserRoleSummary) *UserRoleSummary {
 	if summary == nil {
 		return nil
--- a/server/admin/internal/modules/coinledger/service.go
+++ b/server/admin/internal/modules/coinledger/service.go
@ -23,6 +23,7 @@ const (
 	coinSellerAssetType                      = "COIN_SELLER_COIN"
 	coinManualCreditBizType                  = "manual_credit"
 	coinSellerTransferBizType                = "coin_seller_transfer"
+	coinSellerSubTransferBizType             = "coin_seller_sub_transfer"
 	coinSellerRechargeBizType                = "coin_seller_recharge"
 	coinSellerStockPurchaseBizType           = "coin_seller_stock_purchase"
 	coinSellerStockDeductionBizType          = "coin_seller_stock_deduction"
@ -30,6 +31,7 @@ const (
 	salaryTransferToCoinSellerBizType        = "salary_transfer_to_coin_seller"
 	coinSellerLedgerTypeAdminStockCredit     = "admin_stock_credit"
 	coinSellerLedgerTypeSellerTransfer       = "seller_transfer"
+	coinSellerLedgerTypeSubSellerTransfer    = "sub_seller_transfer"
 	coinSellerLedgerTypeSalaryTransferIncome = "salary_transfer_received"
 	directionIn                              = "income"
 	directionOut                             = "expense"
@ -845,6 +847,7 @@ func coinSellerLedgerBizTypes(ledgerType string) ([]string, error) {
 			coinSellerRechargeBizType,
 			coinSellerCoinCompensationBizType,
 			coinSellerTransferBizType,
+			coinSellerSubTransferBizType,
 			salaryTransferToCoinSellerBizType,
 			coinManualCreditBizType,
 		}, nil
@ -854,6 +857,9 @@ func coinSellerLedgerBizTypes(ledgerType string) ([]string, error) {
 	case coinSellerLedgerTypeSellerTransfer:
 		// 币商转用户只展示币商侧出账分录，收款用户资料在展示投影里补齐。
 		return []string{coinSellerTransferBizType}, nil
+	case coinSellerLedgerTypeSubSellerTransfer:
+		// 父子币商库存划拨按 wallet_entries 展示双边余额变动，不能混入普通玩家充值流水。
+		return []string{coinSellerSubTransferBizType}, nil
 	case coinSellerLedgerTypeSalaryTransferIncome:
 		// 工资转币商是用户工资资产换入币商库存，币商侧表现为 COIN_SELLER_COIN 入账。
 		return []string{salaryTransferToCoinSellerBizType}, nil
@ -870,6 +876,8 @@ func coinSellerLedgerTypeForBizType(bizType string) string {
 		return coinSellerLedgerTypeAdminStockCredit
 	case coinSellerTransferBizType:
 		return coinSellerLedgerTypeSellerTransfer
+	case coinSellerSubTransferBizType:
+		return coinSellerLedgerTypeSubSellerTransfer
 	case salaryTransferToCoinSellerBizType:
 		return coinSellerLedgerTypeSalaryTransferIncome
 	default:
@ -894,6 +902,8 @@ func coinSellerLedgerLabel(item coinSellerLedgerDTO) string {
 		return "金币增加"
 	case coinSellerTransferBizType:
 		return "币商转用户"
+	case coinSellerSubTransferBizType:
+		return "向子币商转账"
 	case salaryTransferToCoinSellerBizType:
 		return "工资转币商"
 	}
@ -902,6 +912,8 @@ func coinSellerLedgerLabel(item coinSellerLedgerDTO) string {
 		return "后台操作"
 	case coinSellerLedgerTypeSellerTransfer:
 		return "币商转用户"
+	case coinSellerLedgerTypeSubSellerTransfer:
+		return "向子币商转账"
 	case coinSellerLedgerTypeSalaryTransferIncome:
 		return "工资转币商"
 	default:
@ -950,6 +962,14 @@ func coinSellerLedgerReceiverUserID(bizType string, sellerUserID int64, counterp
 			return counterpartyUserID
 		}
 	}
+	if bizType == coinSellerSubTransferBizType {
+		// 父子币商划拨会落父出账和子入账两条库存分录；两条记录的实际收款人都是 child_user_id。
+		// 子币商入账侧的 counterparty_user_id 是父币商，不能拿来展示为收款人。
+		if childUserID := metadataInt64(metadata, "child_user_id", "childUserId"); childUserID > 0 {
+			return childUserID
+		}
+		return sellerUserID
+	}
 	// 后台入账和工资转币商都展示币商本人为收款人，这是页面“实际收款人”的产品口径。
 	return sellerUserID
 }
--- a/server/admin/internal/modules/coinledger/service_test.go
+++ b/server/admin/internal/modules/coinledger/service_test.go
@ -168,6 +168,20 @@ func TestCoinSellerLedgerWhereUsesExactSellerAndType(t *testing.T) {
 	}
 }

+func TestCoinSellerLedgerWhereUsesSubSellerTransferType(t *testing.T) {
+	query := coinSellerLedgerQuery{SellerUserID: 3001, LedgerType: coinSellerLedgerTypeSubSellerTransfer, StartAtMS: 100, EndAtMS: 200}
+	where, args, err := coinSellerLedgerWhere("lalu", query, []int64{3001})
+	if err != nil {
+		t.Fatalf("coin seller ledger where failed: %v", err)
+	}
+	if want := "WHERE e.app_code = ? AND e.asset_type = ? AND wt.biz_type = ? AND e.created_at_ms >= ? AND e.created_at_ms < ? AND e.user_id IN (?)"; where != want {
+		t.Fatalf("where mismatch:\nwant %s\n got %s", want, where)
+	}
+	if len(args) != 6 || args[0] != "lalu" || args[1] != coinSellerAssetType || args[2] != coinSellerSubTransferBizType || args[3] != int64(100) || args[4] != int64(200) || args[5] != int64(3001) {
+		t.Fatalf("args mismatch: %#v", args)
+	}
+}
+
 func TestCoinSellerLedgerWhereMapsAdminStockCredit(t *testing.T) {
 	query := coinSellerLedgerQuery{LedgerType: coinSellerLedgerTypeAdminStockCredit}
 	where, args, err := coinSellerLedgerWhere("lalu", query, []int64{3001, 3002})
@ -187,10 +201,10 @@ func TestCoinSellerLedgerWhereEmptyTypeUsesAllPublicTypes(t *testing.T) {
 	if err != nil {
 		t.Fatalf("coin seller ledger where failed: %v", err)
 	}
-	if want := "WHERE e.app_code = ? AND e.asset_type = ? AND wt.biz_type IN (?,?,?,?,?,?,?)"; where != want {
+	if want := "WHERE e.app_code = ? AND e.asset_type = ? AND wt.biz_type IN (?,?,?,?,?,?,?,?)"; where != want {
 		t.Fatalf("where mismatch:\nwant %s\n got %s", want, where)
 	}
-	if len(args) != 9 || args[0] != "lalu" || args[1] != coinSellerAssetType || args[2] != coinSellerStockPurchaseBizType || args[3] != coinSellerStockDeductionBizType || args[4] != coinSellerRechargeBizType || args[5] != coinSellerCoinCompensationBizType || args[6] != coinSellerTransferBizType || args[7] != salaryTransferToCoinSellerBizType || args[8] != coinManualCreditBizType {
+	if len(args) != 10 || args[0] != "lalu" || args[1] != coinSellerAssetType || args[2] != coinSellerStockPurchaseBizType || args[3] != coinSellerStockDeductionBizType || args[4] != coinSellerRechargeBizType || args[5] != coinSellerCoinCompensationBizType || args[6] != coinSellerTransferBizType || args[7] != coinSellerSubTransferBizType || args[8] != salaryTransferToCoinSellerBizType || args[9] != coinManualCreditBizType {
 		t.Fatalf("args mismatch: %#v", args)
 	}
 }
@ -207,6 +221,13 @@ func TestCoinSellerLedgerReceiverUserIDUsesActualReceiver(t *testing.T) {
 	if got := coinSellerLedgerReceiverUserID(coinSellerTransferBizType, 3001, 0, metadata); got != 4001 {
 		t.Fatalf("seller transfer receiver mismatch: %d", got)
 	}
+	subTransferMetadata := map[string]any{"child_user_id": float64(5001)}
+	if got := coinSellerLedgerReceiverUserID(coinSellerSubTransferBizType, 3001, 4001, subTransferMetadata); got != 5001 {
+		t.Fatalf("sub seller transfer receiver mismatch: %d", got)
+	}
+	if got := coinSellerLedgerReceiverUserID(coinSellerSubTransferBizType, 5001, 3001, subTransferMetadata); got != 5001 {
+		t.Fatalf("sub seller income receiver mismatch: %d", got)
+	}
 	if got := coinSellerLedgerReceiverUserID(coinSellerStockPurchaseBizType, 3001, 4001, metadata); got != 3001 {
 		t.Fatalf("admin stock receiver mismatch: %d", got)
 	}
@ -245,6 +266,7 @@ func TestCoinSellerLedgerLabelUsesConcreteStockAndDebitType(t *testing.T) {
 		{name: "compensation", item: coinSellerLedgerDTO{BizType: coinSellerCoinCompensationBizType, LedgerType: coinSellerLedgerTypeAdminStockCredit}, want: "金币补偿"},
 		{name: "debit", item: coinSellerLedgerDTO{BizType: coinManualCreditBizType, LedgerType: coinSellerLedgerTypeAdminStockCredit, AvailableDelta: -100}, want: "金币扣除"},
 		{name: "manual increase", item: coinSellerLedgerDTO{BizType: coinManualCreditBizType, LedgerType: coinSellerLedgerTypeAdminStockCredit, AvailableDelta: 100}, want: "金币增加"},
+		{name: "sub seller transfer", item: coinSellerLedgerDTO{BizType: coinSellerSubTransferBizType, LedgerType: coinSellerLedgerTypeSubSellerTransfer}, want: "向子币商转账"},
 	}
 	for _, tc := range cases {
 		if got := coinSellerLedgerLabel(tc.item); got != tc.want {
--- a/server/admin/internal/modules/dashboard/service.go
+++ b/server/admin/internal/modules/dashboard/service.go
@ -1,6 +1,7 @@
 package dashboard

 import (
+	"bytes"
 	"context"
 	"encoding/json"
 	"fmt"
@ -11,6 +12,7 @@ import (

 	"hyapp-admin-server/internal/config"
 	"hyapp-admin-server/internal/integration/userclient"
+	"hyapp-admin-server/internal/model"
 	"hyapp-admin-server/internal/repository"
 )

@ -262,6 +264,26 @@ func (s *DashboardService) SocialRequirements(ctx context.Context, query SocialR
 	return s.statisticsGET(ctx, "/internal/v1/statistics/social/requirements", values)
 }

+func (s *DashboardService) RecordFinanceCoinSellerRechargeOrder(ctx context.Context, order model.CoinSellerRechargeOrder) error {
+	if s == nil {
+		return nil
+	}
+	// statistics-service 只接收已校验订单快照；admin 是财务工单事实 owner，不能让统计服务回查 admin 表。
+	payload := map[string]any{
+		"app_code":          order.AppCode,
+		"event_id":          fmt.Sprintf("finance_coin_seller_recharge_order:%d", order.ID),
+		"order_id":          order.ID,
+		"verify_status":     order.VerifyStatus,
+		"target_user_id":    order.TargetUserID,
+		"target_country_id": order.TargetCountryID,
+		"target_region_id":  order.TargetRegionID,
+		"usd_minor":         order.USDMinorAmount,
+		"coin_amount":       order.CoinAmount,
+		"created_at_ms":     order.CreatedAtMS,
+	}
+	return s.statisticsPOST(ctx, "/internal/v1/statistics/social/coin-seller-recharge-orders", payload)
+}
+
 func (s *DashboardService) PlatformGrantUsers(ctx context.Context, query PlatformGrantStatisticsQuery) (map[string]any, error) {
 	page, err := s.statisticsGET(ctx, "/internal/v1/statistics/platform-grants/users", platformGrantValues(query, false))
 	if err != nil {
@ -307,6 +329,29 @@ func (s *DashboardService) statisticsGET(ctx context.Context, path string, value
 	return out, nil
 }

+func (s *DashboardService) statisticsPOST(ctx context.Context, path string, payload any) error {
+	body, err := json.Marshal(payload)
+	if err != nil {
+		return err
+	}
+	req, err := http.NewRequestWithContext(ctx, http.MethodPost, s.cfg.StatisticsService.BaseURL+path, bytes.NewReader(body))
+	if err != nil {
+		return err
+	}
+	req.Header.Set("Content-Type", "application/json")
+	resp, err := s.httpClient.Do(req)
+	if err != nil {
+		return err
+	}
+	defer resp.Body.Close()
+	if resp.StatusCode < 200 || resp.StatusCode >= 300 {
+		var out map[string]any
+		_ = json.NewDecoder(resp.Body).Decode(&out)
+		return fmt.Errorf("statistics service returned status %d: %v", resp.StatusCode, out["error"])
+	}
+	return nil
+}
+
 func platformGrantValues(query PlatformGrantStatisticsQuery, includeUser bool) url.Values {
 	values := url.Values{}
 	values.Set("app_code", query.AppCode)
--- a/server/admin/internal/modules/financeorder/dto.go
+++ b/server/admin/internal/modules/financeorder/dto.go
@ -20,12 +20,18 @@ type createCoinSellerRechargeOrderRequest struct {
 }

 type verifyCoinSellerRechargeReceiptRequest struct {
-	AppCode         string  `json:"appCode"`
-	USDAmount       float64 `json:"usdAmount"`
-	USDMinorAmount  int64   `json:"usdMinorAmount"`
-	ProviderCode    string  `json:"providerCode"`
-	Chain           string  `json:"chain"`
-	ExternalOrderNo string  `json:"externalOrderNo"`
+	AppCode              string  `json:"appCode"`
+	USDAmount            float64 `json:"usdAmount"`
+	USDMinorAmount       int64   `json:"usdMinorAmount"`
+	ProviderCode         string  `json:"providerCode"`
+	Chain                string  `json:"chain"`
+	ExternalOrderNo      string  `json:"externalOrderNo"`
+	ProviderCountryCode  string  `json:"providerCountryCode"`
+	ProviderCurrencyCode string  `json:"providerCurrencyCode"`
+	ProviderAmountMinor  int64   `json:"providerAmountMinor"`
+	ProviderPayType      string  `json:"providerPayType"`
+	OrderDate            string  `json:"orderDate"`
+	OrderDateMS          int64   `json:"orderDateMs"`
 }

 type coinSellerRechargeReceiptVerificationDTO struct {
--- a/server/admin/internal/modules/financeorder/legacy_writer_test.go
+++ b/server/admin/internal/modules/financeorder/legacy_writer_test.go
@ -0,0 +1,174 @@
+package financeorder
+
+import (
+	"context"
+	"database/sql"
+	"errors"
+	"strings"
+	"testing"
+	"time"
+
+	"github.com/DATA-DOG/go-sqlmock"
+	"hyapp-admin-server/internal/config"
+)
+
+func TestLegacyCoinSellerRechargeWriterGrantUpdatesBalanceAndRunningWater(t *testing.T) {
+	walletDB, walletMock, cleanup := newLegacyWriterSQLMock(t)
+	defer cleanup()
+	writer := NewMySQLLegacyCoinSellerRechargeWriter(config.LegacyCoinSellerRechargeSourceConfig{
+		AppCode:        "aslan",
+		SysOrigin:      "ATYOU",
+		RequestTimeout: 5 * time.Second,
+	}, nil, walletDB)
+	grantedAt := time.Date(2026, 7, 9, 9, 30, 0, 0, time.UTC)
+
+	walletMock.ExpectBegin()
+	expectLegacyBalanceLock(walletMock, "ATYOU", 10001).
+		WillReturnRows(sqlmock.NewRows([]string{"id", "earn_points", "consumption_points"}).AddRow(int64(77), "5000", "1000"))
+	walletMock.ExpectQuery(`(?s)SELECT id\s+FROM user_freight_balance_running_water\s+WHERE sys_origin = \? AND remark = \?\s+LIMIT 1`).
+		WithArgs("ATYOU", "MIFA-001").
+		WillReturnError(sql.ErrNoRows)
+	walletMock.ExpectExec(`(?s)UPDATE user_freight_balance\s+SET earn_points = COALESCE\(earn_points, 0\) \+ \?, update_user = \?, update_time = \?\s+WHERE id = \?`).
+		WithArgs(int64(1200), int64(10001), grantedAt, int64(77)).
+		WillReturnResult(sqlmock.NewResult(0, 1))
+	walletMock.ExpectExec(`(?s)INSERT INTO user_freight_balance_running_water`).
+		WithArgs(sqlmock.AnyArg(), "ATYOU", int64(10001), int64(10001), nil, int64(1200), int64(5200), "12.34", "MIFAPAY-进货", "MIFA-001", int64(10001), int64(10001), grantedAt, grantedAt).
+		WillReturnResult(sqlmock.NewResult(0, 1))
+	walletMock.ExpectCommit()
+
+	result, err := writer.GrantCoinSellerRecharge(context.Background(), legacyRechargeGrantInput{
+		UserID:          10001,
+		ExternalOrderNo: "MIFA-001",
+		ProviderCode:    "mifapay",
+		USDAmount:       "12.34",
+		CoinAmount:      1200,
+		GrantedAt:       grantedAt,
+	})
+	if err != nil {
+		t.Fatalf("legacy grant failed: %v", err)
+	}
+	if !strings.HasPrefix(result.TransactionID, "legacy-freight-purchase-") || result.BalanceAfter != 5200 {
+		t.Fatalf("legacy grant result mismatch: %+v", result)
+	}
+	if err := walletMock.ExpectationsWereMet(); err != nil {
+		t.Fatalf("wallet sql expectations: %v", err)
+	}
+}
+
+func TestLegacyCoinSellerRechargeWriterGrantRejectsDuplicateOrder(t *testing.T) {
+	walletDB, walletMock, cleanup := newLegacyWriterSQLMock(t)
+	defer cleanup()
+	writer := NewMySQLLegacyCoinSellerRechargeWriter(config.LegacyCoinSellerRechargeSourceConfig{
+		AppCode:        "yumi",
+		SysOrigin:      "LIKEI",
+		RequestTimeout: 5 * time.Second,
+	}, nil, walletDB)
+
+	walletMock.ExpectBegin()
+	expectLegacyBalanceLock(walletMock, "LIKEI", 20002).
+		WillReturnRows(sqlmock.NewRows([]string{"id", "earn_points", "consumption_points"}).AddRow(int64(88), "7000", "0"))
+	walletMock.ExpectQuery(`(?s)SELECT id\s+FROM user_freight_balance_running_water\s+WHERE sys_origin = \? AND remark = \?\s+LIMIT 1`).
+		WithArgs("LIKEI", "V5-001").
+		WillReturnRows(sqlmock.NewRows([]string{"id"}).AddRow(int64(9001)))
+	walletMock.ExpectRollback()
+
+	_, err := writer.GrantCoinSellerRecharge(context.Background(), legacyRechargeGrantInput{
+		UserID:          20002,
+		ExternalOrderNo: "V5-001",
+		ProviderCode:    "v5pay",
+		USDAmount:       "10.00",
+		CoinAmount:      1000,
+		GrantedAt:       time.Date(2026, 7, 9, 10, 0, 0, 0, time.UTC),
+	})
+	if !errors.Is(err, errLegacyCoinSellerOrderDuplicate) {
+		t.Fatalf("expected duplicate order error, got %v", err)
+	}
+	if err := walletMock.ExpectationsWereMet(); err != nil {
+		t.Fatalf("wallet sql expectations: %v", err)
+	}
+}
+
+func TestLegacyCoinSellerRechargeWriterResolveCoinSellerByAccountRequiresDealer(t *testing.T) {
+	appDB, appMock, cleanupApp := newLegacyWriterSQLMock(t)
+	defer cleanupApp()
+	walletDB, walletMock, cleanupWallet := newLegacyWriterSQLMock(t)
+	defer cleanupWallet()
+	writer := NewMySQLLegacyCoinSellerRechargeWriter(config.LegacyCoinSellerRechargeSourceConfig{
+		AppCode:        "aslan",
+		SysOrigin:      "ATYOU",
+		RequestTimeout: 5 * time.Second,
+	}, appDB, walletDB)
+
+	expectLegacyUserLookup(appMock, "ATYOU", "agent001").
+		WillReturnRows(sqlmock.NewRows([]string{"id", "account", "country_id"}).AddRow(int64(10001), "agent001", int64(63)))
+	expectLegacyCoinSellerCheck(walletMock, "ATYOU", 10001).
+		WillReturnRows(sqlmock.NewRows([]string{"id"}).AddRow(int64(77)))
+
+	target, err := writer.ResolveCoinSeller(context.Background(), " agent001 ")
+	if err != nil {
+		t.Fatalf("resolve legacy coin seller failed: %v", err)
+	}
+	if target.UserID != 10001 || target.DisplayUserID != "agent001" || target.CountryID != 63 {
+		t.Fatalf("legacy coin seller target mismatch: %+v", target)
+	}
+	if err := appMock.ExpectationsWereMet(); err != nil {
+		t.Fatalf("app sql expectations: %v", err)
+	}
+	if err := walletMock.ExpectationsWereMet(); err != nil {
+		t.Fatalf("wallet sql expectations: %v", err)
+	}
+}
+
+func TestLegacyCoinSellerRechargeWriterResolveCoinSellerRejectsNonDealer(t *testing.T) {
+	appDB, appMock, cleanupApp := newLegacyWriterSQLMock(t)
+	defer cleanupApp()
+	walletDB, walletMock, cleanupWallet := newLegacyWriterSQLMock(t)
+	defer cleanupWallet()
+	writer := NewMySQLLegacyCoinSellerRechargeWriter(config.LegacyCoinSellerRechargeSourceConfig{
+		AppCode:        "yumi",
+		SysOrigin:      "LIKEI",
+		RequestTimeout: 5 * time.Second,
+	}, appDB, walletDB)
+
+	expectLegacyUserLookup(appMock, "LIKEI", "visitor001").
+		WillReturnRows(sqlmock.NewRows([]string{"id", "account", "country_id"}).AddRow(int64(20002), "visitor001", int64(86)))
+	expectLegacyCoinSellerCheck(walletMock, "LIKEI", 20002).
+		WillReturnError(sql.ErrNoRows)
+
+	_, err := writer.ResolveCoinSeller(context.Background(), "visitor001")
+	if !errors.Is(err, errLegacyCoinSellerNotFound) {
+		t.Fatalf("expected non-dealer legacy user to be rejected, got %v", err)
+	}
+	if err := appMock.ExpectationsWereMet(); err != nil {
+		t.Fatalf("app sql expectations: %v", err)
+	}
+	if err := walletMock.ExpectationsWereMet(); err != nil {
+		t.Fatalf("wallet sql expectations: %v", err)
+	}
+}
+
+func expectLegacyBalanceLock(mock sqlmock.Sqlmock, sysOrigin string, userID int64) *sqlmock.ExpectedQuery {
+	return mock.ExpectQuery(`(?s)SELECT id, CAST\(COALESCE\(earn_points, 0\) AS CHAR\), CAST\(COALESCE\(consumption_points, 0\) AS CHAR\)\s+FROM user_freight_balance\s+WHERE sys_origin = \? AND user_id = \?.*FOR UPDATE`).
+		WithArgs(sysOrigin, userID)
+}
+
+func expectLegacyUserLookup(mock sqlmock.Sqlmock, sysOrigin string, keyword string) *sqlmock.ExpectedQuery {
+	return mock.ExpectQuery(`(?s)SELECT id, account, COALESCE\(country_id, 0\)\s+FROM user_base_info\s+WHERE origin_sys = \? AND \(account = \? OR CAST\(id AS CHAR\) = \?\).*LIMIT 1`).
+		WithArgs(sysOrigin, keyword, keyword)
+}
+
+func expectLegacyCoinSellerCheck(mock sqlmock.Sqlmock, sysOrigin string, userID int64) *sqlmock.ExpectedQuery {
+	return mock.ExpectQuery(`(?s)SELECT id\s+FROM user_freight_balance\s+WHERE sys_origin = \? AND user_id = \? AND COALESCE\(is_close, 0\) = 0 AND \(COALESCE\(dealer, 0\) = 1 OR COALESCE\(super_dealer, 0\) = 1\)\s+LIMIT 1`).
+		WithArgs(sysOrigin, userID)
+}
+
+func newLegacyWriterSQLMock(t *testing.T) (*sql.DB, sqlmock.Sqlmock, func()) {
+	t.Helper()
+	db, mock, err := sqlmock.New()
+	if err != nil {
+		t.Fatalf("new sqlmock: %v", err)
+	}
+	return db, mock, func() {
+		_ = db.Close()
+	}
+}
--- a/server/admin/internal/modules/financeorder/service.go
+++ b/server/admin/internal/modules/financeorder/service.go
@ -5,6 +5,7 @@ import (
 	"encoding/json"
 	"errors"
 	"fmt"
+	"log/slog"
 	"math"
 	"strconv"
 	"strings"
@ -45,11 +46,22 @@ type Service struct {
 	wallet        walletclient.Client
 	user          userclient.Client
 	now           func() time.Time
+	statsRecorder financeCoinSellerRechargeStatsRecorder
 	legacyWriters map[string]LegacyCoinSellerRechargeWriter
 }

 type Option func(*Service)

+type financeCoinSellerRechargeStatsRecorder interface {
+	RecordFinanceCoinSellerRechargeOrder(ctx context.Context, order model.CoinSellerRechargeOrder) error
+}
+
+func WithFinanceCoinSellerRechargeStatsRecorder(recorder financeCoinSellerRechargeStatsRecorder) Option {
+	return func(service *Service) {
+		service.statsRecorder = recorder
+	}
+}
+
 func WithLegacyCoinSellerRechargeWriters(writers ...LegacyCoinSellerRechargeWriter) Option {
 	return func(service *Service) {
 		if service.legacyWriters == nil {
@ -160,6 +172,7 @@ func (s *Service) CreateOrder(ctx context.Context, actor shared.Actor, req creat
 	if err != nil {
 		return nil, err
 	}
+	s.recordVerifiedCoinSellerRechargeOrder(ctx, *item)
 	dto := coinSellerRechargeOrderDTOFromModel(*item)
 	return &dto, nil
 }
@ -235,6 +248,7 @@ func (s *Service) VerifyOrder(ctx context.Context, actor shared.Actor, id uint,
 		OrderDateMs:          order.OrderDateMS,
 		ProviderCountryCode:  order.ProviderCountryCode,
 		ProviderCurrencyCode: order.ProviderCurrencyCode,
+		ProviderAmountMinor:  order.ProviderAmountMinor,
 		ProviderPayType:      order.ProviderPayType,
 	})
 	if err != nil {
@ -263,6 +277,9 @@ func (s *Service) VerifyOrder(ctx context.Context, actor shared.Actor, id uint,
 	if err != nil {
 		return nil, err
 	}
+	if updated != nil && updated.VerifyStatus == model.CoinSellerRechargeVerifyStatusVerified {
+		s.recordVerifiedCoinSellerRechargeOrder(ctx, *updated)
+	}
 	dto := coinSellerRechargeOrderDTOFromModel(*updated)
 	return &dto, nil
 }
@ -314,6 +331,16 @@ func (s *Service) GrantOrder(ctx context.Context, actor shared.Actor, id uint, r
 	return &dto, nil
 }

+func (s *Service) recordVerifiedCoinSellerRechargeOrder(ctx context.Context, order model.CoinSellerRechargeOrder) {
+	if s == nil || s.statsRecorder == nil || order.ID == 0 || order.VerifyStatus != model.CoinSellerRechargeVerifyStatusVerified {
+		return
+	}
+	// 统计投影是幂等的派生读模型；创建/校验主链路不能因为 statistics-service 短暂不可用而回滚已校验财务工单。
+	if err := s.statsRecorder.RecordFinanceCoinSellerRechargeOrder(ctx, order); err != nil {
+		slog.WarnContext(ctx, "finance_coin_seller_recharge_stats_record_failed", "order_id", order.ID, "app_code", order.AppCode, "error", err)
+	}
+}
+
 type normalizedCreateOrderInput struct {
 	AppCode              string
 	TargetUserID         string
@ -332,20 +359,30 @@ type normalizedCreateOrderInput struct {
 }

 type normalizedReceiptVerificationInput struct {
-	AppCode         string
-	USDMinorAmount  int64
-	ProviderCode    string
-	Chain           string
-	ExternalOrderNo string
+	AppCode              string
+	USDMinorAmount       int64
+	ProviderCode         string
+	Chain                string
+	ExternalOrderNo      string
+	ProviderCountryCode  string
+	ProviderCurrencyCode string
+	ProviderAmountMinor  int64
+	ProviderPayType      string
+	OrderDateMS          int64
 }

 func (input normalizedCreateOrderInput) receiptVerificationInput() normalizedReceiptVerificationInput {
 	return normalizedReceiptVerificationInput{
-		AppCode:         input.AppCode,
-		USDMinorAmount:  input.USDMinorAmount,
-		ProviderCode:    input.ProviderCode,
-		Chain:           input.Chain,
-		ExternalOrderNo: input.ExternalOrderNo,
+		AppCode:              input.AppCode,
+		USDMinorAmount:       input.USDMinorAmount,
+		ProviderCode:         input.ProviderCode,
+		Chain:                input.Chain,
+		ExternalOrderNo:      input.ExternalOrderNo,
+		ProviderCountryCode:  input.ProviderCountryCode,
+		ProviderCurrencyCode: input.ProviderCurrencyCode,
+		ProviderAmountMinor:  input.ProviderAmountMinor,
+		ProviderPayType:      input.ProviderPayType,
+		OrderDateMS:          input.OrderDateMS,
 	}
 }

@ -386,6 +423,14 @@ func normalizeCreateOrderRequest(req createCoinSellerRechargeOrderRequest) (norm
 		if chain == "" {
 			return normalizedCreateOrderInput{}, errors.New("USDT 充值必须选择链")
 		}
+	case "mifapay", "v5pay":
+		// 三方实付币种和金额是人工订单绑定的校验条件；缺失时会退化成只按订单号查，容易把错误 APP/币种的流水绑定进币商台账。
+		if providerCurrencyCode == "" {
+			return normalizedCreateOrderInput{}, errors.New("三方币种不能为空")
+		}
+		if req.ProviderAmountMinor <= 0 {
+			return normalizedCreateOrderInput{}, errors.New("三方实付金额不正确")
+		}
 	}
 	return normalizedCreateOrderInput{
 		AppCode:              appCode,
@ -429,6 +474,16 @@ func normalizeReceiptVerificationRequest(req verifyCoinSellerRechargeReceiptRequ
 	if usdMinorAmount < 0 {
 		return normalizedReceiptVerificationInput{}, errors.New("充值美金数量不正确")
 	}
+	if req.ProviderAmountMinor < 0 {
+		return normalizedReceiptVerificationInput{}, errors.New("三方实付金额不正确")
+	}
+	providerCountryCode := strings.ToUpper(strings.TrimSpace(req.ProviderCountryCode))
+	providerCurrencyCode := strings.ToUpper(strings.TrimSpace(req.ProviderCurrencyCode))
+	providerPayType := strings.TrimSpace(req.ProviderPayType)
+	orderDateMS, err := normalizeOrderDateMS(req.OrderDate, req.OrderDateMS)
+	if err != nil {
+		return normalizedReceiptVerificationInput{}, err
+	}
 	if providerCode == "usdt" {
 		if chain == "" {
 			return normalizedReceiptVerificationInput{}, errors.New("USDT 充值必须选择链")
@ -436,13 +491,26 @@ func normalizeReceiptVerificationRequest(req verifyCoinSellerRechargeReceiptRequ
 		if usdMinorAmount <= 0 {
 			return normalizedReceiptVerificationInput{}, errors.New("USDT 校验必须填写 USD 金额")
 		}
+	} else if requiresProviderCurrencyAmount(providerCode) {
+		// 校验按钮是创建订单前的资金事实预检；MiFaPay/V5Pay 必须带运营填写的币种和实付金额，才能和 provider 回包做强比对。
+		if providerCurrencyCode == "" {
+			return normalizedReceiptVerificationInput{}, errors.New("三方币种不能为空")
+		}
+		if req.ProviderAmountMinor <= 0 {
+			return normalizedReceiptVerificationInput{}, errors.New("三方实付金额不正确")
+		}
 	}
 	return normalizedReceiptVerificationInput{
-		AppCode:         appCode,
-		USDMinorAmount:  usdMinorAmount,
-		ProviderCode:    providerCode,
-		Chain:           chain,
-		ExternalOrderNo: externalOrderNo,
+		AppCode:              appCode,
+		USDMinorAmount:       usdMinorAmount,
+		ProviderCode:         providerCode,
+		Chain:                chain,
+		ExternalOrderNo:      externalOrderNo,
+		ProviderCountryCode:  providerCountryCode,
+		ProviderCurrencyCode: providerCurrencyCode,
+		ProviderAmountMinor:  req.ProviderAmountMinor,
+		ProviderPayType:      providerPayType,
+		OrderDateMS:          orderDateMS,
 	}, nil
 }

@ -452,12 +520,17 @@ func (s *Service) verifyReceiptInput(ctx context.Context, input normalizedReceip
 	}
 	// admin-server 不直连三方支付和链节点；wallet-service 统一持有 provider 配置、收款地址和查单适配器。
 	resp, err := s.wallet.VerifyCoinSellerRechargeReceipt(appctx.WithContext(ctx, input.AppCode), &walletv1.VerifyCoinSellerRechargeReceiptRequest{
-		RequestId:       strings.TrimSpace(requestID),
-		AppCode:         input.AppCode,
-		ProviderCode:    receiptVerificationProviderCode(input),
-		ExternalOrderNo: input.ExternalOrderNo,
-		Chain:           receiptVerificationChain(input),
-		UsdMinorAmount:  input.USDMinorAmount,
+		RequestId:            strings.TrimSpace(requestID),
+		AppCode:              input.AppCode,
+		ProviderCode:         receiptVerificationProviderCode(input),
+		ExternalOrderNo:      input.ExternalOrderNo,
+		Chain:                receiptVerificationChain(input),
+		UsdMinorAmount:       input.USDMinorAmount,
+		OrderDateMs:          input.OrderDateMS,
+		ProviderCountryCode:  input.ProviderCountryCode,
+		ProviderCurrencyCode: input.ProviderCurrencyCode,
+		ProviderAmountMinor:  input.ProviderAmountMinor,
+		ProviderPayType:      input.ProviderPayType,
 	})
 	if err != nil {
 		return coinSellerRechargeReceiptVerificationDTO{}, err
@ -688,7 +761,7 @@ func verifyReceiptMatchesInput(input normalizedCreateOrderInput, receipt coinSel
 	if !strings.EqualFold(receipt.ExternalOrderNo, input.ExternalOrderNo) {
 		return errors.New("校验返回订单号不匹配")
 	}
-	// 新流程不要求运营录入本地币种实付金额；非 USD 金额只作为 provider 快照留痕，不阻断创建。
+	// USD/USDT 继续按后台美元金额核验；MiFaPay/V5Pay 的本地币种实付金额由表单强制填写，创建前再次和 provider 回包比对。
 	currency := strings.ToUpper(strings.TrimSpace(firstNonEmpty(receipt.CurrencyCode, input.ProviderCurrencyCode)))
 	if input.ProviderCurrencyCode != "" && currency != "" && !strings.EqualFold(currency, input.ProviderCurrencyCode) {
 		return errors.New("校验返回币种不匹配")
@ -803,6 +876,15 @@ func receiptVerificationProviderCode(input normalizedReceiptVerificationInput) s
 	return receiptProviderCode(model.CoinSellerRechargeOrder{ProviderCode: input.ProviderCode, Chain: input.Chain})
 }

+func requiresProviderCurrencyAmount(providerCode string) bool {
+	switch strings.ToLower(strings.TrimSpace(providerCode)) {
+	case "mifapay", "v5pay":
+		return true
+	default:
+		return false
+	}
+}
+
 func receiptChain(order model.CoinSellerRechargeOrder) string {
 	switch strings.ToUpper(strings.TrimSpace(order.Chain)) {
 	case "TRON":
--- a/server/admin/internal/modules/financeorder/service_test.go
+++ b/server/admin/internal/modules/financeorder/service_test.go
@ -40,9 +40,9 @@ func TestNormalizeCreateOrderRequiresExplicitUSDTChain(t *testing.T) {
 	}
 }

-func TestNormalizeCreateOrderDoesNotRequireProviderHints(t *testing.T) {
+func TestNormalizeCreateOrderRequiresProviderCurrencyAmount(t *testing.T) {
 	for _, providerCode := range []string{"mifapay", "v5pay"} {
-		input, err := normalizeCreateOrderRequest(createCoinSellerRechargeOrderRequest{
+		_, err := normalizeCreateOrderRequest(createCoinSellerRechargeOrderRequest{
 			AppCode:         "lalu",
 			TargetUserID:    "10001",
 			USDAmount:       12.34,
@ -50,24 +50,73 @@ func TestNormalizeCreateOrderDoesNotRequireProviderHints(t *testing.T) {
 			ProviderCode:    providerCode,
 			ExternalOrderNo: providerCode + "-order",
 		})
+		if err == nil || !strings.Contains(err.Error(), "三方币种") {
+			t.Fatalf("expected %s missing currency error, got %v", providerCode, err)
+		}
+
+		input, err := normalizeCreateOrderRequest(createCoinSellerRechargeOrderRequest{
+			AppCode:              "lalu",
+			TargetUserID:         "10001",
+			USDAmount:            12.34,
+			CoinAmount:           1200,
+			ProviderCode:         providerCode,
+			ExternalOrderNo:      providerCode + "-order",
+			ProviderCurrencyCode: " php ",
+			ProviderAmountMinor:  123400,
+			ProviderPayType:      "GCASH",
+		})
 		if err != nil {
-			t.Fatalf("normalize %s without provider hints failed: %v", providerCode, err)
+			t.Fatalf("normalize %s with provider currency amount failed: %v", providerCode, err)
 		}
-		if input.ProviderCurrencyCode != "" || input.ProviderCountryCode != "" || input.OrderDateMS != 0 {
-			t.Fatalf("provider hints should remain optional for %s: %+v", providerCode, input)
+		if input.ProviderCurrencyCode != "PHP" || input.ProviderAmountMinor != 123400 || input.ProviderPayType != "GCASH" {
+			t.Fatalf("provider currency amount should be normalized for %s: %+v", providerCode, input)
 		}
 	}
 }

+func TestNormalizeReceiptVerificationCarriesProviderCurrencyAmount(t *testing.T) {
+	input, err := normalizeReceiptVerificationRequest(verifyCoinSellerRechargeReceiptRequest{
+		AppCode:              "lalu",
+		USDAmount:            10,
+		ProviderCode:         "v5pay",
+		ExternalOrderNo:      "V5-001",
+		ProviderCountryCode:  " ph ",
+		ProviderCurrencyCode: " php ",
+		ProviderAmountMinor:  560000,
+		ProviderPayType:      "GCASH",
+		OrderDate:            "2026-07-09",
+	})
+	if err != nil {
+		t.Fatalf("normalize receipt verification failed: %v", err)
+	}
+	if input.USDMinorAmount != 1000 || input.ProviderCountryCode != "PH" || input.ProviderCurrencyCode != "PHP" || input.ProviderAmountMinor != 560000 || input.ProviderPayType != "GCASH" {
+		t.Fatalf("provider verification input mismatch: %+v", input)
+	}
+	if input.OrderDateMS <= 0 {
+		t.Fatalf("order date should be normalized into millis: %+v", input)
+	}
+
+	_, err = normalizeReceiptVerificationRequest(verifyCoinSellerRechargeReceiptRequest{
+		AppCode:         "lalu",
+		ProviderCode:    "mifapay",
+		ExternalOrderNo: "MIFA-001",
+	})
+	if err == nil || !strings.Contains(err.Error(), "三方币种") {
+		t.Fatalf("expected missing provider currency error, got %v", err)
+	}
+}
+
 func TestNormalizeCreateOrderAllowsZeroCoinAmount(t *testing.T) {
 	input, err := normalizeCreateOrderRequest(createCoinSellerRechargeOrderRequest{
-		AppCode:         "lalu",
-		TargetUserID:    "10001",
-		USDAmount:       12.34,
-		CoinAmount:      0,
-		ProviderCode:    "mifapay",
-		ExternalOrderNo: "MIFA-001",
-		Remark:          " 补单，不发金币 ",
+		AppCode:              "lalu",
+		TargetUserID:         "10001",
+		USDAmount:            12.34,
+		CoinAmount:           0,
+		ProviderCode:         "mifapay",
+		ExternalOrderNo:      "MIFA-001",
+		ProviderCurrencyCode: "PHP",
+		ProviderAmountMinor:  1234,
+		Remark:               " 补单，不发金币 ",
 	})
 	if err != nil {
 		t.Fatalf("zero coin makeup order should be accepted: %v", err)
@ -93,6 +142,70 @@ func TestExecuteGrantSkipsWalletAndLegacyForZeroCoinMakeupOrder(t *testing.T) {
 	}
 }

+func TestExecuteGrantUsesLegacyWriterForAslan(t *testing.T) {
+	writer := &fakeLegacyCoinSellerRechargeWriter{
+		appCode: "aslan",
+		grantResult: legacyRechargeGrantResult{
+			TransactionID: "legacy-tx-1",
+			BalanceAfter:  6200,
+		},
+	}
+	service := NewService(nil, nil, nil, WithLegacyCoinSellerRechargeWriters(writer))
+	result, err := service.executeGrant(context.Background(), shared.Actor{UserID: 7}, model.CoinSellerRechargeOrder{
+		ID:              99,
+		AppCode:         "aslan",
+		TargetUserID:    10001,
+		ExternalOrderNo: "V5-001",
+		ProviderCode:    "v5pay",
+		USDAmount:       "10.00",
+		CoinAmount:      1200,
+	}, "req-1")
+	if err != nil {
+		t.Fatalf("aslan legacy grant failed: %v", err)
+	}
+	if writer.grantCalls != 1 || writer.grantInput.UserID != 10001 || writer.grantInput.ExternalOrderNo != "V5-001" || writer.grantInput.OperatorUserID != 7 {
+		t.Fatalf("legacy writer grant input mismatch: calls=%d input=%+v", writer.grantCalls, writer.grantInput)
+	}
+	if result.CommandID != "admin-coin-seller-recharge:99" || result.TransactionID != "legacy-tx-1" || result.AmountDelta != 1200 || result.BalanceAfter != 6200 {
+		t.Fatalf("legacy grant result mismatch: %+v", result)
+	}
+}
+
+func TestExecuteGrantRequiresLegacyWriterForYumi(t *testing.T) {
+	service := NewService(nil, nil, nil)
+	_, err := service.executeGrant(context.Background(), shared.Actor{UserID: 7}, model.CoinSellerRechargeOrder{
+		ID:              100,
+		AppCode:         "yumi",
+		TargetUserID:    20002,
+		ExternalOrderNo: "MIFA-001",
+		ProviderCode:    "mifapay",
+		USDAmount:       "12.34",
+		CoinAmount:      1000,
+	}, "req-1")
+	if err == nil || !strings.Contains(err.Error(), "legacy coin seller recharge writer is not configured") {
+		t.Fatalf("expected yumi legacy writer configuration error, got %v", err)
+	}
+}
+
+func TestResolveCoinSellerTargetUsesLegacyWriterForAslan(t *testing.T) {
+	writer := &fakeLegacyCoinSellerRechargeWriter{
+		appCode: "aslan",
+		resolveResult: coinSellerTarget{
+			UserID:        10001,
+			DisplayUserID: "agent001",
+			CountryID:     63,
+		},
+	}
+	service := NewService(nil, nil, nil, WithLegacyCoinSellerRechargeWriters(writer))
+	target, err := service.resolveCoinSellerTarget(context.Background(), "req-1", "aslan", "agent001")
+	if err != nil {
+		t.Fatalf("resolve aslan legacy target failed: %v", err)
+	}
+	if writer.resolveKeyword != "agent001" || target.UserID != 10001 || target.DisplayUserID != "agent001" || target.CountryID != 63 {
+		t.Fatalf("legacy resolve mismatch: keyword=%q target=%+v", writer.resolveKeyword, target)
+	}
+}
+
 func TestVerifyReceiptMatchesOrderAmounts(t *testing.T) {
 	order := model.CoinSellerRechargeOrder{
 		ExternalOrderNo:      "merchant-1",
@ -209,3 +322,33 @@ func TestReceiptProviderCodeForUSDTChains(t *testing.T) {
 		t.Fatalf("bsc provider code mismatch: %s", got)
 	}
 }
+
+type fakeLegacyCoinSellerRechargeWriter struct {
+	appCode        string
+	resolveKeyword string
+	resolveResult  coinSellerTarget
+	resolveErr     error
+	grantCalls     int
+	grantInput     legacyRechargeGrantInput
+	grantResult    legacyRechargeGrantResult
+	grantErr       error
+}
+
+func (f *fakeLegacyCoinSellerRechargeWriter) AppCode() string {
+	return f.appCode
+}
+
+func (f *fakeLegacyCoinSellerRechargeWriter) Close() error {
+	return nil
+}
+
+func (f *fakeLegacyCoinSellerRechargeWriter) ResolveCoinSeller(_ context.Context, keyword string) (coinSellerTarget, error) {
+	f.resolveKeyword = keyword
+	return f.resolveResult, f.resolveErr
+}
+
+func (f *fakeLegacyCoinSellerRechargeWriter) GrantCoinSellerRecharge(_ context.Context, input legacyRechargeGrantInput) (legacyRechargeGrantResult, error) {
+	f.grantCalls++
+	f.grantInput = input
+	return f.grantResult, f.grantErr
+}
--- a/server/admin/internal/modules/hostorg/handler.go
+++ b/server/admin/internal/modules/hostorg/handler.go
@ -142,6 +142,64 @@ func (h *Handler) ListCoinSellers(c *gin.Context) {
 	response.OK(c, response.Page{Items: items, Page: query.Page, PageSize: query.PageSize, Total: total})
 }

+func (h *Handler) ListCoinSellerSubApplications(c *gin.Context) {
+	query, ok := parseListQuery(c)
+	if !ok {
+		return
+	}
+	items, total, err := h.service.ListCoinSellerSubApplications(c.Request.Context(), query)
+	if err != nil {
+		response.ServerError(c, "获取子币商申请列表失败")
+		return
+	}
+	response.OK(c, response.Page{Items: items, Page: query.Page, PageSize: query.PageSize, Total: total})
+}
+
+func (h *Handler) ListCoinSellerSubSellers(c *gin.Context) {
+	parentUserID, ok := parseInt64ID(c, "user_id")
+	if !ok {
+		return
+	}
+	query, ok := parseListQuery(c)
+	if !ok {
+		return
+	}
+	items, total, err := h.service.ListCoinSellerSubSellers(c.Request.Context(), parentUserID, query)
+	if err != nil {
+		response.BadRequest(c, err.Error())
+		return
+	}
+	response.OK(c, response.Page{Items: items, Page: query.Page, PageSize: query.PageSize, Total: total})
+}
+
+func (h *Handler) ApproveCoinSellerSubApplication(c *gin.Context) {
+	h.reviewCoinSellerSubApplication(c, "approved")
+}
+
+func (h *Handler) RejectCoinSellerSubApplication(c *gin.Context) {
+	h.reviewCoinSellerSubApplication(c, "rejected")
+}
+
+func (h *Handler) reviewCoinSellerSubApplication(c *gin.Context, decision string) {
+	applicationID, ok := parseInt64ID(c, "application_id")
+	if !ok {
+		return
+	}
+	var req coinSellerSubApplicationReviewRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		response.BadRequest(c, "子币商申请审核参数不正确")
+		return
+	}
+	result, err := h.service.ReviewCoinSellerSubApplication(c.Request.Context(), adminActorID(c), applicationID, middleware.CurrentRequestID(c), decision, req)
+	if err != nil {
+		response.BadRequest(c, err.Error())
+		return
+	}
+	writeHostOrgAuditLog(c, h.audit, "review-coin-seller-sub-application", "coin_seller_sub_applications", applicationID,
+		fmt.Sprintf("command_id=%s application_id=%d decision=%s reason=%q", strings.TrimSpace(req.CommandID), applicationID, decision, strings.TrimSpace(req.Reason)))
+	response.OK(c, result)
+}
+
 func (h *Handler) ListSalaryWalletHistory(c *gin.Context) {
 	query, ok := parseSalaryWalletHistoryQuery(c)
 	if !ok {
@ -540,6 +598,12 @@ func parseListQuery(c *gin.Context) (listQuery, bool) {
 	if query.ParentLeaderUserID, ok = parseOptionalInt64Query(c, "parentLeaderUserId", "parent_leader_user_id"); !ok {
 		return listQuery{}, false
 	}
+	if query.ParentUserID, ok = parseOptionalInt64Query(c, "parentUserId", "parent_user_id"); !ok {
+		return listQuery{}, false
+	}
+	if query.TargetUserID, ok = parseOptionalInt64Query(c, "targetUserId", "target_user_id"); !ok {
+		return listQuery{}, false
+	}
 	return normalizeListQuery(query), true
 }

--- a/server/admin/internal/modules/hostorg/reader.go
+++ b/server/admin/internal/modules/hostorg/reader.go
@ -33,6 +33,7 @@ type CoinSellerListItem struct {
 	TotalRechargeUSDTMicro  int64  `json:"totalRechargeUsdtMicro"`
 	Contact                 string `json:"contact"`
 	CanManageSubCoinSellers bool   `json:"canManageSubCoinSellers"`
+	SubCoinSellerCount      int64  `json:"subCoinSellerCount"`
 	DisplayUserID           string `json:"displayUserId"`
 	Username                string `json:"username"`
 	Avatar                  string `json:"avatar"`
@ -43,6 +44,29 @@ type CoinSellerListItem struct {
 	UpdatedAtMs             int64  `json:"updatedAtMs"`
 }

+type CoinSellerSubApplicationListItem struct {
+	ApplicationID     int64        `json:"applicationId,string"`
+	CommandID         string       `json:"commandId"`
+	Parent            UserIdentity `json:"parent"`
+	Target            UserIdentity `json:"target"`
+	Status            string       `json:"status"`
+	RelationID        int64        `json:"relationId,string"`
+	ReviewedByAdminID int64        `json:"reviewedByAdminId,string"`
+	ReviewReason      string       `json:"reviewReason"`
+	ReviewedAtMs      int64        `json:"reviewedAtMs"`
+	CreatedAtMs       int64        `json:"createdAtMs"`
+	UpdatedAtMs       int64        `json:"updatedAtMs"`
+}
+
+type UserIdentity struct {
+	UserID        int64  `json:"userId,string"`
+	DisplayUserID string `json:"displayUserId"`
+	Username      string `json:"username"`
+	Avatar        string `json:"avatar"`
+	RegionID      int64  `json:"regionId"`
+	RegionName    string `json:"regionName"`
+}
+
 type ManagerListItem struct {
 	UserID              int64  `json:"userId,string"`
 	DisplayUserID       string `json:"displayUserId"`
@ -1101,6 +1125,22 @@ func (r *Reader) ListCoinSellers(ctx context.Context, query listQuery) ([]*CoinS
 		SELECT csp.user_id, csp.status, csp.merchant_asset_type,
 		       COALESCE(NULLIF(u.contact_info, ''), csp.contact_info, ''),
 		       csp.can_manage_sub_coin_sellers,
+		       COALESCE((
+		         SELECT COUNT(*)
+		         FROM coin_seller_relations csr
+		         INNER JOIN coin_seller_profiles child_csp
+		           ON child_csp.app_code = csr.app_code
+		          AND child_csp.user_id = csr.child_user_id
+		          AND child_csp.status = 'active'
+		          AND child_csp.merchant_asset_type = ?
+		         INNER JOIN users child_u
+		           ON child_u.app_code = csr.app_code
+		          AND child_u.user_id = csr.child_user_id
+		          AND child_u.status = 'active'
+		         WHERE csr.app_code = csp.app_code
+		           AND csr.parent_user_id = csp.user_id
+		           AND csr.status = 'active'
+		       ), 0),
 		       csp.created_by_user_id, csp.created_at_ms, csp.updated_at_ms,
 		       COALESCE(u.current_display_user_id, ''), COALESCE(u.username, ''),
 		       COALESCE(u.avatar, ''), COALESCE(u.region_id, 0),
@ -1108,7 +1148,7 @@ func (r *Reader) ListCoinSellers(ctx context.Context, query listQuery) ([]*CoinS
 		%s
 		ORDER BY csp.created_at_ms DESC, csp.user_id DESC
 		%s
-	`, whereSQL, limitSQL), queryArgs...)
+	`, whereSQL, limitSQL), append([]any{coinSellerMerchantAssetType}, queryArgs...)...)
 	if err != nil {
 		return nil, 0, err
 	}
@ -1124,6 +1164,7 @@ func (r *Reader) ListCoinSellers(ctx context.Context, query listQuery) ([]*CoinS
 			&item.MerchantAssetType,
 			&item.Contact,
 			&item.CanManageSubCoinSellers,
+			&item.SubCoinSellerCount,
 			&item.CreatedByUserID,
 			&item.CreatedAtMs,
 			&item.UpdatedAtMs,
@ -1160,6 +1201,201 @@ func (r *Reader) ListCoinSellers(ctx context.Context, query listQuery) ([]*CoinS
 	return items, total, nil
 }

+func (r *Reader) ListCoinSellerSubApplications(ctx context.Context, query listQuery) ([]*CoinSellerSubApplicationListItem, int64, error) {
+	if r == nil || r.db == nil {
+		return nil, 0, errUserDBNotConfigured()
+	}
+	appCode := appctx.FromContext(ctx)
+	whereSQL := `
+		FROM coin_seller_sub_applications app
+		LEFT JOIN users parent_u ON parent_u.app_code = app.app_code AND parent_u.user_id = app.parent_user_id
+		LEFT JOIN regions parent_r ON parent_r.app_code = parent_u.app_code AND parent_r.region_id = parent_u.region_id
+		LEFT JOIN users target_u ON target_u.app_code = app.app_code AND target_u.user_id = app.target_user_id
+		LEFT JOIN regions target_r ON target_r.app_code = target_u.app_code AND target_r.region_id = target_u.region_id
+		WHERE app.app_code = ?`
+	args := []any{appCode}
+	if query.Status != "" {
+		whereSQL += " AND app.status = ?"
+		args = append(args, query.Status)
+	}
+	if query.ParentUserID > 0 {
+		whereSQL += " AND app.parent_user_id = ?"
+		args = append(args, query.ParentUserID)
+	}
+	if query.TargetUserID > 0 {
+		whereSQL += " AND app.target_user_id = ?"
+		args = append(args, query.TargetUserID)
+	}
+	if keyword := strings.TrimSpace(query.Keyword); keyword != "" {
+		parentSQL, parentArgs := shared.UserIdentityKeywordSQL("parent_u", "app.parent_user_id", keyword, time.Now().UnixMilli())
+		targetSQL, targetArgs := shared.UserIdentityKeywordSQL("target_u", "app.target_user_id", keyword, time.Now().UnixMilli())
+		whereSQL += " AND (" + parentSQL + " OR " + targetSQL + " OR app.command_id LIKE ? OR app.review_reason LIKE ?)"
+		args = append(args, parentArgs...)
+		args = append(args, targetArgs...)
+		like := "%" + keyword + "%"
+		args = append(args, like, like)
+	}
+	total, err := countRows(ctx, r.db, whereSQL, args...)
+	if err != nil {
+		return nil, 0, err
+	}
+	rows, err := r.db.QueryContext(ctx, fmt.Sprintf(`
+		SELECT app.application_id, app.command_id, app.status, app.relation_id,
+		       app.reviewed_by_admin_id, app.review_reason, app.reviewed_at_ms,
+		       app.created_at_ms, app.updated_at_ms,
+		       app.parent_user_id, COALESCE(parent_u.current_display_user_id, ''),
+		       COALESCE(parent_u.username, ''), COALESCE(parent_u.avatar, ''),
+		       COALESCE(parent_u.region_id, 0), COALESCE(parent_r.name, ''),
+		       app.target_user_id, COALESCE(target_u.current_display_user_id, ''),
+		       COALESCE(target_u.username, ''), COALESCE(target_u.avatar, ''),
+		       COALESCE(target_u.region_id, 0), COALESCE(target_r.name, '')
+		%s
+		ORDER BY app.created_at_ms DESC, app.application_id DESC
+		LIMIT ? OFFSET ?
+	`, whereSQL), append(args, query.PageSize, offset(query.Page, query.PageSize))...)
+	if err != nil {
+		return nil, 0, err
+	}
+	defer rows.Close()
+	items := make([]*CoinSellerSubApplicationListItem, 0, query.PageSize)
+	for rows.Next() {
+		item := &CoinSellerSubApplicationListItem{}
+		if err := rows.Scan(
+			&item.ApplicationID,
+			&item.CommandID,
+			&item.Status,
+			&item.RelationID,
+			&item.ReviewedByAdminID,
+			&item.ReviewReason,
+			&item.ReviewedAtMs,
+			&item.CreatedAtMs,
+			&item.UpdatedAtMs,
+			&item.Parent.UserID,
+			&item.Parent.DisplayUserID,
+			&item.Parent.Username,
+			&item.Parent.Avatar,
+			&item.Parent.RegionID,
+			&item.Parent.RegionName,
+			&item.Target.UserID,
+			&item.Target.DisplayUserID,
+			&item.Target.Username,
+			&item.Target.Avatar,
+			&item.Target.RegionID,
+			&item.Target.RegionName,
+		); err != nil {
+			return nil, 0, err
+		}
+		items = append(items, item)
+	}
+	if err := rows.Err(); err != nil {
+		return nil, 0, err
+	}
+	return items, total, nil
+}
+
+func (r *Reader) ListCoinSellerSubSellers(ctx context.Context, parentUserID int64, query listQuery) ([]*CoinSellerListItem, int64, error) {
+	if r == nil || r.db == nil {
+		return nil, 0, errUserDBNotConfigured()
+	}
+	if parentUserID <= 0 {
+		return nil, 0, fmt.Errorf("parent_user_id is required")
+	}
+	appCode := appctx.FromContext(ctx)
+	whereSQL := `
+		FROM coin_seller_relations relation
+		INNER JOIN users u
+		  ON u.app_code = relation.app_code
+		 AND u.user_id = relation.child_user_id
+		 AND u.status = 'active'
+		INNER JOIN coin_seller_profiles csp
+		  ON csp.app_code = relation.app_code
+		 AND csp.user_id = relation.child_user_id
+		 AND csp.status = 'active'
+		 AND csp.merchant_asset_type = ?
+		LEFT JOIN regions r ON r.app_code = u.app_code AND r.region_id = u.region_id
+		WHERE relation.app_code = ?
+		  AND relation.parent_user_id = ?
+		  AND relation.status = 'active'`
+	args := []any{coinSellerMerchantAssetType, appCode, parentUserID}
+	total, err := countRows(ctx, r.db, whereSQL, args...)
+	if err != nil {
+		return nil, 0, err
+	}
+	rows, err := r.db.QueryContext(ctx, fmt.Sprintf(`
+		SELECT csp.user_id, csp.status, csp.merchant_asset_type,
+		       COALESCE(NULLIF(u.contact_info, ''), csp.contact_info, ''),
+		       csp.can_manage_sub_coin_sellers,
+		       COALESCE((
+		         SELECT COUNT(*)
+		         FROM coin_seller_relations csr
+		         INNER JOIN coin_seller_profiles child_csp
+		           ON child_csp.app_code = csr.app_code
+		          AND child_csp.user_id = csr.child_user_id
+		          AND child_csp.status = 'active'
+		          AND child_csp.merchant_asset_type = ?
+		         INNER JOIN users child_u
+		           ON child_u.app_code = csr.app_code
+		          AND child_u.user_id = csr.child_user_id
+		          AND child_u.status = 'active'
+		         WHERE csr.app_code = csp.app_code
+		           AND csr.parent_user_id = csp.user_id
+		           AND csr.status = 'active'
+		       ), 0),
+		       csp.created_by_user_id, csp.created_at_ms, csp.updated_at_ms,
+		       COALESCE(u.current_display_user_id, ''), COALESCE(u.username, ''),
+		       COALESCE(u.avatar, ''), COALESCE(u.region_id, 0),
+		       COALESCE(r.name, '')
+		%s
+		ORDER BY relation.created_at_ms DESC, relation.relation_id DESC
+		LIMIT ? OFFSET ?
+	`, whereSQL), append([]any{coinSellerMerchantAssetType}, append(args, query.PageSize, offset(query.Page, query.PageSize))...)...)
+	if err != nil {
+		return nil, 0, err
+	}
+	defer rows.Close()
+	items := make([]*CoinSellerListItem, 0, query.PageSize)
+	userIDs := make([]int64, 0, query.PageSize)
+	for rows.Next() {
+		item := &CoinSellerListItem{}
+		if err := rows.Scan(
+			&item.UserID,
+			&item.Status,
+			&item.MerchantAssetType,
+			&item.Contact,
+			&item.CanManageSubCoinSellers,
+			&item.SubCoinSellerCount,
+			&item.CreatedByUserID,
+			&item.CreatedAtMs,
+			&item.UpdatedAtMs,
+			&item.DisplayUserID,
+			&item.Username,
+			&item.Avatar,
+			&item.RegionID,
+			&item.RegionName,
+		); err != nil {
+			return nil, 0, err
+		}
+		items = append(items, item)
+		userIDs = append(userIDs, item.UserID)
+	}
+	if err := rows.Err(); err != nil {
+		return nil, 0, err
+	}
+	balances, err := r.coinSellerBalances(ctx, appCode, userIDs)
+	if err != nil {
+		return nil, 0, err
+	}
+	rechargeTotals, err := r.coinSellerRechargeTotals(ctx, appCode, userIDs)
+	if err != nil {
+		return nil, 0, err
+	}
+	for _, item := range items {
+		item.MerchantBalance = balances[item.UserID]
+		item.TotalRechargeUSDTMicro = rechargeTotals[item.UserID]
+	}
+	return items, total, nil
+}
+
 func (r *Reader) UpdateCoinSellerContact(ctx context.Context, userID int64, contact string) error {
 	if r == nil || r.db == nil {
 		return errUserDBNotConfigured()
--- a/server/admin/internal/modules/hostorg/request.go
+++ b/server/admin/internal/modules/hostorg/request.go
@ -55,6 +55,8 @@ type listQuery struct {
 	AgencyID           int64
 	ParentBDUserID     int64
 	ParentLeaderUserID int64
+	ParentUserID       int64
+	TargetUserID       int64
 	SortBy             string
 	SortDirection      string
 }
@ -201,6 +203,11 @@ type coinSellerStatusRequest struct {
 	CanManageSubCoinSellers *bool   `json:"canManageSubCoinSellers"`
 }

+type coinSellerSubApplicationReviewRequest struct {
+	CommandID string `json:"commandId" binding:"required"`
+	Reason    string `json:"reason"`
+}
+
 type coinSellerStockCreditRequest struct {
 	CommandID      string `json:"commandId" binding:"required"`
 	Type           string `json:"type" binding:"required"`
--- a/server/admin/internal/modules/hostorg/routes.go
+++ b/server/admin/internal/modules/hostorg/routes.go
@ -31,6 +31,10 @@ func RegisterRoutes(protected *gin.RouterGroup, h *Handler) {
 	protected.GET("/admin/coin-sellers", middleware.RequirePermission("coin-seller:view"), h.ListCoinSellers)
 	protected.POST("/admin/coin-sellers", middleware.RequirePermission("coin-seller:create"), h.CreateCoinSeller)
 	protected.PATCH("/admin/coin-sellers/:user_id/status", middleware.RequirePermission("coin-seller:update"), h.SetCoinSellerStatus)
+	protected.GET("/admin/coin-sellers/:user_id/sub-sellers", middleware.RequirePermission("coin-seller:view"), h.ListCoinSellerSubSellers)
+	protected.GET("/admin/coin-seller-sub-applications", middleware.RequirePermission("coin-seller-sub-application:view"), h.ListCoinSellerSubApplications)
+	protected.POST("/admin/coin-seller-sub-applications/:application_id/approve", middleware.RequirePermission("coin-seller-sub-application:audit"), h.ApproveCoinSellerSubApplication)
+	protected.POST("/admin/coin-seller-sub-applications/:application_id/reject", middleware.RequirePermission("coin-seller-sub-application:audit"), h.RejectCoinSellerSubApplication)
 	protected.POST("/admin/coin-sellers/:user_id/stock-credits", middleware.RequirePermission("coin-seller:stock-credit"), h.CreditCoinSellerStock)
 	protected.POST("/admin/coin-sellers/:user_id/stock-debits", middleware.RequirePermission("coin-seller:stock-credit"), h.DebitCoinSellerStock)
 	protected.GET("/admin/coin-seller-salary-rates/:region_id", middleware.RequirePermission("coin-seller:exchange-rate"), h.GetCoinSellerSalaryRates)
--- a/server/admin/internal/modules/hostorg/service.go
+++ b/server/admin/internal/modules/hostorg/service.go
@ -84,6 +84,28 @@ func (s *Service) ListCoinSellers(ctx context.Context, query listQuery) ([]*Coin
 	return s.reader.ListCoinSellers(ctx, query)
 }

+func (s *Service) ListCoinSellerSubApplications(ctx context.Context, query listQuery) ([]*CoinSellerSubApplicationListItem, int64, error) {
+	query = normalizeListQuery(query)
+	return s.reader.ListCoinSellerSubApplications(ctx, query)
+}
+
+func (s *Service) ListCoinSellerSubSellers(ctx context.Context, parentUserID int64, query listQuery) ([]*CoinSellerListItem, int64, error) {
+	query = normalizeListQuery(query)
+	return s.reader.ListCoinSellerSubSellers(ctx, parentUserID, query)
+}
+
+func (s *Service) ReviewCoinSellerSubApplication(ctx context.Context, actorID int64, applicationID int64, requestID string, decision string, req coinSellerSubApplicationReviewRequest) (*userclient.CoinSellerSubApplicationReviewResult, error) {
+	return s.userClient.ReviewCoinSellerSubApplication(ctx, userclient.ReviewCoinSellerSubApplicationRequest{
+		RequestID:     requestID,
+		Caller:        "hyapp-admin-server",
+		CommandID:     strings.TrimSpace(req.CommandID),
+		AdminUserID:   actorID,
+		ApplicationID: applicationID,
+		Decision:      strings.TrimSpace(decision),
+		Reason:        strings.TrimSpace(req.Reason),
+	})
+}
+
 func (s *Service) GetCoinSellerSalaryRates(ctx context.Context, regionID int64) ([]CoinSellerSalaryRateTier, error) {
 	return s.reader.ListCoinSellerSalaryRates(ctx, regionID)
 }
--- a/server/admin/internal/modules/payment/recharge_bill_overview.go
+++ b/server/admin/internal/modules/payment/recharge_bill_overview.go
@ -1,11 +1,14 @@
 package payment

 import (
+	"context"
+	"sort"
 	"strings"

 	"hyapp-admin-server/internal/appctx"
 	"hyapp-admin-server/internal/middleware"
 	"hyapp-admin-server/internal/modules/shared"
+	"hyapp-admin-server/internal/repository"
 	"hyapp-admin-server/internal/response"
 	walletv1 "hyapp.local/api/proto/wallet/v1"

@ -83,6 +86,18 @@ func (h *Handler) GetRechargeBillOverview(c *gin.Context) {
 			response.ServerError(c, "获取财务概览失败")
 			return
 		}
+		if err := h.applyFinanceThirdPartyOverview(c.Request.Context(), appCode, financeThirdPartyRechargeQuery{
+			RechargeType:    strings.TrimSpace(firstQuery(c, "recharge_type", "rechargeType")),
+			Status:          options.Status,
+			Keyword:         options.Keyword,
+			RegionID:        query.RegionID,
+			StartAtMS:       startAtMS,
+			EndAtMS:         endAtMS,
+			TzOffsetMinutes: tzOffsetMinutes,
+		}, &overview); err != nil {
+			response.ServerError(c, "获取财务概览失败")
+			return
+		}
 		h.fillApprovedWithdrawalStats(&overview, appCode, startAtMS, endAtMS)
 		response.OK(c, overview)
 		return
@ -152,10 +167,89 @@ func (h *Handler) GetRechargeBillOverview(c *gin.Context) {
 		overview.Withdrawal.TransferCount = transfer.GetTransferCount()
 		overview.Withdrawal.TransferUsdMinor = transfer.GetTransferUsdMinor()
 	}
+	if err := h.applyFinanceThirdPartyOverview(c.Request.Context(), appCode, financeThirdPartyRechargeQuery{
+		RechargeType:    strings.TrimSpace(firstQuery(c, "recharge_type", "rechargeType")),
+		Status:          options.Status,
+		Keyword:         options.Keyword,
+		RegionID:        queryInt64(c, "region_id", "regionId"),
+		StartAtMS:       startAtMS,
+		EndAtMS:         endAtMS,
+		TzOffsetMinutes: tzOffsetMinutes,
+	}, &overview); err != nil {
+		response.ServerError(c, "获取财务概览失败")
+		return
+	}
 	h.fillApprovedWithdrawalStats(&overview, appCode, startAtMS, endAtMS)
 	response.OK(c, overview)
 }

+func (h *Handler) applyFinanceThirdPartyOverview(ctx context.Context, appCode string, query financeThirdPartyRechargeQuery, overview *rechargeBillOverviewDTO) error {
+	if overview == nil {
+		return nil
+	}
+	stats, err := h.financeThirdPartyRechargeStats(ctx, appCode, query)
+	if err != nil {
+		return err
+	}
+	rechargeType := normalizedRechargeType(query.RechargeType)
+	byDate := map[string]int{}
+	for i := range overview.Daily {
+		byDate[overview.Daily[i].Date] = i
+		if rechargeType == "" || rechargeType == "third_party" {
+			// 覆写而不是累加：ordinary 三方支付仍可存在于钱包账单，但不能进入 finance thirdParty 统计。
+			overview.Daily[i].ThirdPartyUsdMinor = 0
+			overview.Daily[i].ThirdPartyCoinAmount = 0
+		}
+	}
+	if rechargeType == "" || rechargeType == "third_party" {
+		for date, bucket := range stats.VerifiedDaily {
+			if date == "" {
+				continue
+			}
+			index, ok := byDate[date]
+			if !ok {
+				overview.Daily = append(overview.Daily, rechargeBillDailyBucketDTO{Date: date})
+				index = len(overview.Daily) - 1
+				byDate[date] = index
+			}
+			overview.Daily[index].ThirdPartyUsdMinor = bucket.USDMinorAmount
+			overview.Daily[index].ThirdPartyCoinAmount = bucket.CoinAmount
+		}
+	}
+	sort.Slice(overview.Daily, func(i, j int) bool {
+		return overview.Daily[i].Date < overview.Daily[j].Date
+	})
+	if rechargeType == "third_party" {
+		// thirdParty 区域分布来自工单 target_region_id/target_country_id 快照，不能复用普通支付账单区域。
+		overview.Regions = financeThirdPartyRegionBuckets(stats.VerifiedRegions)
+	}
+	return nil
+}
+
+func financeThirdPartyRegionBuckets(rows []repository.CoinSellerRechargeOrderRegionStatsBucket) []rechargeBillRegionBucketDTO {
+	byRegion := map[int64]*rechargeBillRegionBucketDTO{}
+	for _, row := range rows {
+		if row.RegionID <= 0 {
+			continue
+		}
+		bucket, ok := byRegion[row.RegionID]
+		if !ok {
+			bucket = &rechargeBillRegionBucketDTO{RegionID: row.RegionID}
+			byRegion[row.RegionID] = bucket
+		}
+		bucket.BillCount += row.Count
+		bucket.UsdMinorAmount += row.USDMinor
+	}
+	out := make([]rechargeBillRegionBucketDTO, 0, len(byRegion))
+	for _, bucket := range byRegion {
+		out = append(out, *bucket)
+	}
+	sort.Slice(out, func(i, j int) bool {
+		return out[i].UsdMinorAmount > out[j].UsdMinorAmount
+	})
+	return out
+}
+
 func (h *Handler) requireLegacyCoinSellerDayRange(c *gin.Context, query legacyRechargeBillQuery, tzOffsetMinutes int32) bool {
 	if !legacyCoinSellerAggregateRequested(query) || !legacyCoinSellerAggregateFilterSupported(query) {
 		return true
--- a/server/admin/internal/modules/payment/recharge_bill_stats.go
+++ b/server/admin/internal/modules/payment/recharge_bill_stats.go
@ -49,6 +49,26 @@ type googleRechargePaidDTO struct {
 	Error           string `json:"error,omitempty"`
 }

+type financeThirdPartyRechargeStats struct {
+	Verified        rechargeBillSummaryBucketDTO
+	GrantedOverlap  rechargeBillSummaryBucketDTO
+	VerifiedDaily   map[string]rechargeBillSummaryBucketDTO
+	GrantedDaily    map[string]rechargeBillSummaryBucketDTO
+	VerifiedRegions []repository.CoinSellerRechargeOrderRegionStatsBucket
+}
+
+type financeThirdPartyRechargeQuery struct {
+	RechargeType      string
+	Status            string
+	Keyword           string
+	RegionID          int64
+	StartAtMS         int64
+	EndAtMS           int64
+	TzOffsetMinutes   int32
+	TargetUserID      int64
+	HasUserOnlyFilter bool
+}
+
 // listLegacyRechargeBills 处理 legacy App 的充值明细；分页与展示口径对齐 wallet-service 账单列表。
 func (h *Handler) listLegacyRechargeBills(c *gin.Context, source RechargeBillSource) {
 	options := shared.ListOptions(c)
@ -102,6 +122,18 @@ func (h *Handler) GetRechargeBillSummary(c *gin.Context) {
 			response.ServerError(c, "获取充值汇总失败")
 			return
 		}
+		if err := h.applyFinanceThirdPartySummary(c.Request.Context(), appCode, financeThirdPartyRechargeQuery{
+			RechargeType:    strings.TrimSpace(firstQuery(c, "recharge_type", "rechargeType")),
+			Status:          options.Status,
+			Keyword:         options.Keyword,
+			RegionID:        query.RegionID,
+			StartAtMS:       query.StartAtMS,
+			EndAtMS:         query.EndAtMS,
+			TzOffsetMinutes: tzOffsetMinutes,
+		}, &summary); err != nil {
+			response.ServerError(c, "获取充值汇总失败")
+			return
+		}
 		response.OK(c, summary)
 		return
 	}
@ -135,12 +167,27 @@ func (h *Handler) GetRechargeBillSummary(c *gin.Context) {
 		writeWalletError(c, err, "获取充值汇总失败")
 		return
 	}
-	response.OK(c, rechargeBillSummaryDTO{
+	summary := rechargeBillSummaryDTO{
 		Total:      rechargeBillSummaryBucketFromProto(resp.GetTotal()),
 		GooglePlay: rechargeBillSummaryBucketFromProto(resp.GetGooglePlay()),
 		ThirdParty: rechargeBillSummaryBucketFromProto(resp.GetThirdParty()),
 		CoinSeller: rechargeBillSummaryBucketFromProto(resp.GetCoinSeller()),
-	})
+	}
+	if err := h.applyFinanceThirdPartySummary(c.Request.Context(), appCode, financeThirdPartyRechargeQuery{
+		RechargeType:      strings.TrimSpace(firstQuery(c, "recharge_type", "rechargeType")),
+		Status:            options.Status,
+		Keyword:           options.Keyword,
+		RegionID:          queryInt64(c, "region_id", "regionId"),
+		StartAtMS:         queryInt64(c, "start_at_ms", "startAtMs"),
+		EndAtMS:           queryInt64(c, "end_at_ms", "endAtMs"),
+		TzOffsetMinutes:   tzOffsetMinutes,
+		TargetUserID:      sellerUserID,
+		HasUserOnlyFilter: userID > 0 && sellerUserID == 0,
+	}, &summary); err != nil {
+		response.ServerError(c, "获取充值汇总失败")
+		return
+	}
+	response.OK(c, summary)
 }

 func rechargeBillSummaryBucketFromProto(bucket *walletv1.RechargeBillSummaryBucket) rechargeBillSummaryBucketDTO {
@ -154,6 +201,100 @@ func rechargeBillSummaryBucketFromProto(bucket *walletv1.RechargeBillSummaryBuck
 	}
 }

+func (h *Handler) applyFinanceThirdPartySummary(ctx context.Context, appCode string, query financeThirdPartyRechargeQuery, summary *rechargeBillSummaryDTO) error {
+	if summary == nil {
+		return nil
+	}
+	stats, err := h.financeThirdPartyRechargeStats(ctx, appCode, query)
+	if err != nil {
+		return err
+	}
+	rechargeType := normalizedRechargeType(query.RechargeType)
+	if rechargeType == "" || rechargeType == "third_party" {
+		// 财务页 thirdParty 只表示后台工单校验通过的币商充值外部订单；普通 MifaPay/V5Pay/USDT H5 支付不能进入该桶。
+		summary.ThirdParty = stats.Verified
+	} else {
+		summary.ThirdParty = rechargeBillSummaryBucketDTO{}
+	}
+	if rechargeType != "" && rechargeType != "coin_seller" {
+		summary.CoinSeller = rechargeBillSummaryBucketDTO{}
+	}
+	if rechargeType != "" && rechargeType != "google_play_recharge" {
+		summary.GooglePlay = rechargeBillSummaryBucketDTO{}
+	}
+	if rechargeType == "" {
+		// coinSeller 桶保持全量展示；total 扣掉已落账重叠部分，避免同一财务工单同时经 thirdParty 与 coinSeller 重复计入总额。
+		summary.Total = nonNegativeRechargeBillBucket(rechargeBillSummaryBucketDTO{
+			BillCount:      summary.GooglePlay.BillCount + summary.CoinSeller.BillCount + summary.ThirdParty.BillCount - stats.GrantedOverlap.BillCount,
+			CoinAmount:     summary.GooglePlay.CoinAmount + summary.CoinSeller.CoinAmount + summary.ThirdParty.CoinAmount - stats.GrantedOverlap.CoinAmount,
+			USDMinorAmount: summary.GooglePlay.USDMinorAmount + summary.CoinSeller.USDMinorAmount + summary.ThirdParty.USDMinorAmount - stats.GrantedOverlap.USDMinorAmount,
+		})
+		return nil
+	}
+	legacyRecomputeSummaryTotal(summary)
+	return nil
+}
+
+func (h *Handler) financeThirdPartyRechargeStats(ctx context.Context, appCode string, query financeThirdPartyRechargeQuery) (financeThirdPartyRechargeStats, error) {
+	stats := financeThirdPartyRechargeStats{
+		VerifiedDaily: map[string]rechargeBillSummaryBucketDTO{},
+		GrantedDaily:  map[string]rechargeBillSummaryBucketDTO{},
+	}
+	rechargeType := normalizedRechargeType(query.RechargeType)
+	if rechargeType != "" && rechargeType != "third_party" && rechargeType != "coin_seller" {
+		return stats, nil
+	}
+	if h == nil || h.store == nil || query.HasUserOnlyFilter {
+		return stats, nil
+	}
+	repoStats, err := h.store.CoinSellerRechargeOrderStats(repository.CoinSellerRechargeOrderStatsOptions{
+		AppCode:         appCode,
+		Status:          query.Status,
+		RegionID:        query.RegionID,
+		TargetUserID:    query.TargetUserID,
+		Keyword:         query.Keyword,
+		CreatedFromMS:   query.StartAtMS,
+		CreatedToMS:     query.EndAtMS,
+		TzOffsetMinutes: query.TzOffsetMinutes,
+	})
+	if err != nil {
+		return stats, err
+	}
+	stats.Verified = rechargeBillSummaryBucketDTO{BillCount: repoStats.VerifiedCount, CoinAmount: repoStats.VerifiedCoinAmount, USDMinorAmount: repoStats.VerifiedUSDMinor}
+	stats.GrantedOverlap = rechargeBillSummaryBucketDTO{BillCount: repoStats.GrantedCount, CoinAmount: repoStats.GrantedCoinAmount, USDMinorAmount: repoStats.GrantedUSDMinor}
+	stats.VerifiedDaily = financeThirdPartyDailyStats(repoStats.VerifiedDaily)
+	stats.GrantedDaily = financeThirdPartyDailyStats(repoStats.GrantedDaily)
+	stats.VerifiedRegions = repoStats.VerifiedRegionBuckets
+	return stats, nil
+}
+
+func financeThirdPartyDailyStats(in map[string]repository.CoinSellerRechargeOrderStatsBucket) map[string]rechargeBillSummaryBucketDTO {
+	out := make(map[string]rechargeBillSummaryBucketDTO, len(in))
+	for date, bucket := range in {
+		out[date] = rechargeBillSummaryBucketDTO{BillCount: bucket.Count, CoinAmount: bucket.CoinAmount, USDMinorAmount: bucket.USDMinor}
+	}
+	return out
+}
+
+func normalizedRechargeType(value string) string {
+	return strings.ToLower(strings.TrimSpace(value))
+}
+
+func nonNegativeRechargeBillBucket(bucket rechargeBillSummaryBucketDTO) rechargeBillSummaryBucketDTO {
+	return rechargeBillSummaryBucketDTO{
+		BillCount:      nonNegativeInt64(bucket.BillCount),
+		CoinAmount:     nonNegativeInt64(bucket.CoinAmount),
+		USDMinorAmount: nonNegativeInt64(bucket.USDMinorAmount),
+	}
+}
+
+func nonNegativeInt64(value int64) int64 {
+	if value < 0 {
+		return 0
+	}
+	return value
+}
+
 // RefreshGoogleRechargePaidDetails 对指定账单触发 Google Orders API 实付明细同步，供财务补齐历史订单实付。
 func (h *Handler) RefreshGoogleRechargePaidDetails(c *gin.Context) {
 	var request googleRechargePaidRefreshRequest
--- a/server/admin/internal/repository/coin_seller_recharge_order_repository.go
+++ b/server/admin/internal/repository/coin_seller_recharge_order_repository.go
@ -31,6 +31,45 @@ type CoinSellerRechargeOrderListOptions struct {
 	CreatedToMS   int64
 }

+type CoinSellerRechargeOrderStatsOptions struct {
+	AppCode         string
+	Status          string
+	Keyword         string
+	TargetUserID    int64
+	RegionID        int64
+	CountryID       int64
+	CreatedFromMS   int64
+	CreatedToMS     int64
+	TzOffsetMinutes int32
+}
+
+type CoinSellerRechargeOrderStats struct {
+	VerifiedCount         int64
+	VerifiedUSDMinor      int64
+	VerifiedCoinAmount    int64
+	GrantedCount          int64
+	GrantedUSDMinor       int64
+	GrantedCoinAmount     int64
+	VerifiedDaily         map[string]CoinSellerRechargeOrderStatsBucket
+	GrantedDaily          map[string]CoinSellerRechargeOrderStatsBucket
+	VerifiedRegionBuckets []CoinSellerRechargeOrderRegionStatsBucket
+	GrantedRegionBuckets  []CoinSellerRechargeOrderRegionStatsBucket
+}
+
+type CoinSellerRechargeOrderStatsBucket struct {
+	Count      int64
+	USDMinor   int64
+	CoinAmount int64
+}
+
+type CoinSellerRechargeOrderRegionStatsBucket struct {
+	RegionID   int64
+	CountryID  int64
+	Count      int64
+	USDMinor   int64
+	CoinAmount int64
+}
+
 type CoinSellerRechargeOrderVerifyInput struct {
 	VerifiedByUserID    uint
 	VerifiedByName      string
@ -87,6 +126,57 @@ func (s *Store) ListCoinSellerRechargeOrders(options CoinSellerRechargeOrderList
 	return orders, total, err
 }

+func (s *Store) CoinSellerRechargeOrderStats(options CoinSellerRechargeOrderStatsOptions) (CoinSellerRechargeOrderStats, error) {
+	stats := CoinSellerRechargeOrderStats{
+		VerifiedDaily: map[string]CoinSellerRechargeOrderStatsBucket{},
+		GrantedDaily:  map[string]CoinSellerRechargeOrderStatsBucket{},
+	}
+	var totalRow struct {
+		VerifiedUSDMinor   int64 `gorm:"column:verified_usd_minor"`
+		VerifiedCoinAmount int64 `gorm:"column:verified_coin_amount"`
+		VerifiedCount      int64 `gorm:"column:verified_count"`
+		GrantedUSDMinor    int64 `gorm:"column:granted_usd_minor"`
+		GrantedCoinAmount  int64 `gorm:"column:granted_coin_amount"`
+		GrantedCount       int64 `gorm:"column:granted_count"`
+	}
+	if err := applyCoinSellerRechargeOrderStatsFilters(s.db.Model(&model.CoinSellerRechargeOrder{}), options).
+		Select(`
+			COALESCE(SUM(usd_minor_amount), 0) AS verified_usd_minor,
+			COALESCE(SUM(coin_amount), 0) AS verified_coin_amount,
+			COUNT(*) AS verified_count,
+			COALESCE(SUM(CASE WHEN grant_status = ? AND (wallet_transaction_id <> '' OR wallet_amount_delta <> 0) THEN usd_minor_amount ELSE 0 END), 0) AS granted_usd_minor,
+			COALESCE(SUM(CASE WHEN grant_status = ? AND (wallet_transaction_id <> '' OR wallet_amount_delta <> 0) THEN coin_amount ELSE 0 END), 0) AS granted_coin_amount,
+			COALESCE(SUM(CASE WHEN grant_status = ? AND (wallet_transaction_id <> '' OR wallet_amount_delta <> 0) THEN 1 ELSE 0 END), 0) AS granted_count`,
+			model.CoinSellerRechargeGrantStatusGranted,
+			model.CoinSellerRechargeGrantStatusGranted,
+			model.CoinSellerRechargeGrantStatusGranted,
+		).Scan(&totalRow).Error; err != nil {
+		return stats, err
+	}
+	stats.VerifiedUSDMinor = totalRow.VerifiedUSDMinor
+	stats.VerifiedCoinAmount = totalRow.VerifiedCoinAmount
+	stats.VerifiedCount = totalRow.VerifiedCount
+	stats.GrantedUSDMinor = totalRow.GrantedUSDMinor
+	stats.GrantedCoinAmount = totalRow.GrantedCoinAmount
+	stats.GrantedCount = totalRow.GrantedCount
+	if err := s.scanCoinSellerRechargeOrderDailyStats(options, true, stats.VerifiedDaily); err != nil {
+		return stats, err
+	}
+	if err := s.scanCoinSellerRechargeOrderDailyStats(options, false, stats.GrantedDaily); err != nil {
+		return stats, err
+	}
+	var err error
+	stats.VerifiedRegionBuckets, err = s.scanCoinSellerRechargeOrderRegionStats(options, true)
+	if err != nil {
+		return stats, err
+	}
+	stats.GrantedRegionBuckets, err = s.scanCoinSellerRechargeOrderRegionStats(options, false)
+	if err != nil {
+		return stats, err
+	}
+	return stats, nil
+}
+
 func (s *Store) MarkCoinSellerRechargeOrderVerified(id uint, input CoinSellerRechargeOrderVerifyInput) (*model.CoinSellerRechargeOrder, error) {
 	return s.updateCoinSellerRechargeVerifyState(id, input, true)
 }
@ -275,3 +365,89 @@ func applyCoinSellerRechargeOrderFilters(query *gorm.DB, options CoinSellerRecha
 	}
 	return query
 }
+
+func applyCoinSellerRechargeOrderStatsFilters(query *gorm.DB, options CoinSellerRechargeOrderStatsOptions) *gorm.DB {
+	// 财务三方统计只承接“创建并校验通过”的币商充值订单；发放状态只影响去重扣减，不决定是否入统计。
+	query = query.Where("verify_status = ?", model.CoinSellerRechargeVerifyStatusVerified)
+	if appCode := strings.TrimSpace(options.AppCode); appCode != "" && appCode != "all" {
+		query = query.Where("app_code = ?", appCode)
+	}
+	if status := strings.TrimSpace(options.Status); status != "" && status != "all" {
+		query = query.Where("status = ?", status)
+	}
+	if options.TargetUserID > 0 {
+		query = query.Where("target_user_id = ?", options.TargetUserID)
+	}
+	if options.RegionID > 0 {
+		query = query.Where("target_region_id = ?", options.RegionID)
+	}
+	if options.CountryID > 0 {
+		query = query.Where("target_country_id = ?", options.CountryID)
+	}
+	if options.CreatedFromMS > 0 {
+		query = query.Where("created_at_ms >= ?", options.CreatedFromMS)
+	}
+	if options.CreatedToMS > 0 {
+		query = query.Where("created_at_ms < ?", options.CreatedToMS)
+	}
+	if keyword := strings.TrimSpace(options.Keyword); keyword != "" {
+		like := "%" + keyword + "%"
+		query = query.Where("external_order_no LIKE ? OR provider_order_id LIKE ? OR target_display_user_id LIKE ? OR wallet_transaction_id LIKE ? OR operator_name LIKE ? OR verified_by_name LIKE ? OR remark LIKE ? OR CAST(target_user_id AS CHAR) LIKE ? OR CAST(id AS CHAR) LIKE ?", like, like, like, like, like, like, like, like, like)
+	}
+	return query
+}
+
+func (s *Store) scanCoinSellerRechargeOrderDailyStats(options CoinSellerRechargeOrderStatsOptions, includeAllVerified bool, out map[string]CoinSellerRechargeOrderStatsBucket) error {
+	if out == nil {
+		return nil
+	}
+	query := applyCoinSellerRechargeOrderStatsFilters(s.db.Model(&model.CoinSellerRechargeOrder{}), options)
+	if !includeAllVerified {
+		query = query.Where("grant_status = ? AND (wallet_transaction_id <> '' OR wallet_amount_delta <> 0)", model.CoinSellerRechargeGrantStatusGranted)
+	}
+	type row struct {
+		Date       string
+		Count      int64
+		USDMinor   int64
+		CoinAmount int64
+	}
+	var rows []row
+	tzOffsetMS := int64(options.TzOffsetMinutes) * 60_000
+	// 财务筛选按 created_at_ms 取数；日趋势按前端传入的统计时区偏移切日，避免北京时间财务页跨日错桶。
+	if err := query.Select(`
+			DATE_FORMAT(FROM_UNIXTIME((created_at_ms + ?) / 1000), '%Y-%m-%d') AS date,
+			COUNT(*) AS count,
+			COALESCE(SUM(usd_minor_amount), 0) AS usd_minor,
+			COALESCE(SUM(coin_amount), 0) AS coin_amount`, tzOffsetMS).
+		Group("date").
+		Order("date ASC").
+		Scan(&rows).Error; err != nil {
+		return err
+	}
+	for _, row := range rows {
+		if row.Date == "" {
+			continue
+		}
+		out[row.Date] = CoinSellerRechargeOrderStatsBucket{Count: row.Count, USDMinor: row.USDMinor, CoinAmount: row.CoinAmount}
+	}
+	return nil
+}
+
+func (s *Store) scanCoinSellerRechargeOrderRegionStats(options CoinSellerRechargeOrderStatsOptions, includeAllVerified bool) ([]CoinSellerRechargeOrderRegionStatsBucket, error) {
+	query := applyCoinSellerRechargeOrderStatsFilters(s.db.Model(&model.CoinSellerRechargeOrder{}), options)
+	if !includeAllVerified {
+		query = query.Where("grant_status = ? AND (wallet_transaction_id <> '' OR wallet_amount_delta <> 0)", model.CoinSellerRechargeGrantStatusGranted)
+	}
+	var rows []CoinSellerRechargeOrderRegionStatsBucket
+	// target_region_id/target_country_id 是后台工单创建时的币商归属快照；财务区域统计必须使用这组字段。
+	err := query.Select(`
+			target_region_id AS region_id,
+			target_country_id AS country_id,
+			COUNT(*) AS count,
+			COALESCE(SUM(usd_minor_amount), 0) AS usd_minor,
+			COALESCE(SUM(coin_amount), 0) AS coin_amount`).
+		Group("target_region_id, target_country_id").
+		Order("usd_minor DESC").
+		Scan(&rows).Error
+	return rows, err
+}
--- a/server/admin/internal/repository/coin_seller_recharge_order_repository_test.go
+++ b/server/admin/internal/repository/coin_seller_recharge_order_repository_test.go
@ -0,0 +1,62 @@
+package repository
+
+import (
+	"testing"
+
+	"github.com/DATA-DOG/go-sqlmock"
+)
+
+func TestCoinSellerRechargeOrderStatsAggregatesVerifiedAndGrantedOverlap(t *testing.T) {
+	store, mock, closeStore := newRepositorySQLMock(t)
+	defer closeStore()
+
+	mock.ExpectQuery("verified_usd_minor").
+		WillReturnRows(sqlmock.NewRows([]string{
+			"verified_usd_minor",
+			"verified_coin_amount",
+			"verified_count",
+			"granted_usd_minor",
+			"granted_coin_amount",
+			"granted_count",
+		}).AddRow(int64(3_000), int64(30_000), int64(3), int64(2_000), int64(20_000), int64(2)))
+	mock.ExpectQuery("DATE_FORMAT").
+		WillReturnRows(sqlmock.NewRows([]string{"date", "count", "usd_minor", "coin_amount"}).
+			AddRow("2026-07-08", int64(1), int64(1_000), int64(10_000)).
+			AddRow("2026-07-09", int64(2), int64(2_000), int64(20_000)))
+	mock.ExpectQuery("DATE_FORMAT").
+		WillReturnRows(sqlmock.NewRows([]string{"date", "count", "usd_minor", "coin_amount"}).
+			AddRow("2026-07-09", int64(2), int64(2_000), int64(20_000)))
+	mock.ExpectQuery("target_region_id AS region_id").
+		WillReturnRows(sqlmock.NewRows([]string{"region_id", "country_id", "count", "usd_minor", "coin_amount"}).
+			AddRow(int64(101), int64(91), int64(3), int64(3_000), int64(30_000)))
+	mock.ExpectQuery("target_region_id AS region_id").
+		WillReturnRows(sqlmock.NewRows([]string{"region_id", "country_id", "count", "usd_minor", "coin_amount"}).
+			AddRow(int64(101), int64(91), int64(2), int64(2_000), int64(20_000)))
+
+	stats, err := store.CoinSellerRechargeOrderStats(CoinSellerRechargeOrderStatsOptions{
+		AppCode:       "lalu",
+		RegionID:      101,
+		TargetUserID:  9001,
+		Keyword:       "merchant-1",
+		CreatedFromMS: 1_783_468_800_000,
+		CreatedToMS:   1_783_555_200_000,
+	})
+	if err != nil {
+		t.Fatalf("CoinSellerRechargeOrderStats failed: %v", err)
+	}
+	if stats.VerifiedCount != 3 || stats.VerifiedUSDMinor != 3_000 || stats.VerifiedCoinAmount != 30_000 {
+		t.Fatalf("verified totals mismatch: %+v", stats)
+	}
+	if stats.GrantedCount != 2 || stats.GrantedUSDMinor != 2_000 || stats.GrantedCoinAmount != 20_000 {
+		t.Fatalf("granted totals mismatch: %+v", stats)
+	}
+	if stats.VerifiedDaily["2026-07-08"].USDMinor != 1_000 || stats.GrantedDaily["2026-07-09"].CoinAmount != 20_000 {
+		t.Fatalf("daily stats mismatch: %+v", stats)
+	}
+	if len(stats.VerifiedRegionBuckets) != 1 || stats.VerifiedRegionBuckets[0].RegionID != 101 || stats.VerifiedRegionBuckets[0].CountryID != 91 {
+		t.Fatalf("region stats mismatch: %+v", stats.VerifiedRegionBuckets)
+	}
+	if err := mock.ExpectationsWereMet(); err != nil {
+		t.Fatalf("sql expectations mismatch: %v", err)
+	}
+}
--- a/server/admin/internal/repository/seed.go
+++ b/server/admin/internal/repository/seed.go
@ -103,6 +103,8 @@ var defaultPermissions = []model.Permission{
 	{Name: "币商更新", Code: "coin-seller:update", Kind: "button"},
 	{Name: "币商进货", Code: "coin-seller:stock-credit", Kind: "button"},
 	{Name: "币商工资兑换比例", Code: "coin-seller:exchange-rate", Kind: "button"},
+	{Name: "子币商申请查看", Code: "coin-seller-sub-application:view", Kind: "menu"},
+	{Name: "子币商申请审核", Code: "coin-seller-sub-application:audit", Kind: "button"},
 	{Name: "金币流水查看", Code: "coin-ledger:view", Kind: "menu"},
 	{Name: "币商流水查看", Code: "coin-seller-ledger:view", Kind: "menu"},
 	{Name: "主播提现查看", Code: "host-withdrawal:view", Kind: "menu"},
@ -355,7 +357,8 @@ func (s *Store) seedMenus() error {
 		{ParentID: &hostOrgID, Title: "工资政策", Code: "host-agency-policy", Path: "/host/salary-policies", Icon: "wallet", PermissionCode: "host-agency-policy:view", Sort: 85, Visible: true},
 		{ParentID: &hostOrgID, Title: "工资结算", Code: "host-salary-settlement", Path: "/host/salary-settlements", Icon: "receipt", PermissionCode: "host-salary-settlement:view", Sort: 86, Visible: true},
 		{ParentID: &hostOrgID, Title: "Coin Saller列表", Code: "host-org-coin-sellers", Path: "/host/coin-sellers", Icon: "wallet", PermissionCode: "coin-seller:view", Sort: 87, Visible: true},
-		{ParentID: &hostOrgID, Title: "主播提现", Code: "host-withdrawals", Path: "/host/withdrawals", Icon: "receipt", PermissionCode: "host-withdrawal:view", Sort: 88, Visible: true},
+		{ParentID: &hostOrgID, Title: "Sub Coin Seller 申请列表", Code: "host-org-coin-seller-sub-applications", Path: "/host/coin-seller-sub-applications", Icon: "receipt", PermissionCode: "coin-seller-sub-application:view", Sort: 88, Visible: true},
+		{ParentID: &hostOrgID, Title: "主播提现", Code: "host-withdrawals", Path: "/host/withdrawals", Icon: "receipt", PermissionCode: "host-withdrawal:view", Sort: 89, Visible: true},
 	}
 	for _, menu := range children {
 		if _, err := s.syncDefaultMenu(s.db, menu); err != nil {
@ -655,7 +658,7 @@ func defaultRolePermissionCodes(code string) []string {
 			"host:view", "host-agency-policy:view", "host-agency-policy:create", "host-agency-policy:update", "host-agency-policy:delete", "host-agency-policy:publish", "team-salary-policy:view", "team-salary-policy:create", "team-salary-policy:update", "team-salary-policy:delete", "host-salary-settlement:view", "host-salary-settlement:settle",
 			"agency:view", "agency:create", "agency:status", "agency:delete",
 			"bd:view", "bd:create", "bd:update",
-			"coin-seller:view", "coin-seller:create", "coin-seller:update", "coin-seller:stock-credit", "coin-seller:exchange-rate",
+			"coin-seller:view", "coin-seller:create", "coin-seller:update", "coin-seller:stock-credit", "coin-seller:exchange-rate", "coin-seller-sub-application:view", "coin-seller-sub-application:audit",
 			"coin-ledger:view", "coin-seller-ledger:view", "host-withdrawal:view", "coin-adjustment:view", "coin-adjustment:create", "report:view", "gift-diamond:view", "gift-diamond:update", "policy-template:view", "policy-template:create", "policy-instance:create", "policy-instance:update", "policy-instance:publish", "full-server-notice:view", "full-server-notice:send", "payment-bill:view", "payment-third-party:view", "payment-third-party:update", "payment-temporary-link:view", "payment-temporary-link:create", "finance-application:create", "finance-order:coin-seller-recharge:view", "finance-order:coin-seller-recharge:create", "finance-order:coin-seller-recharge:verify", "finance-order:coin-seller-recharge:grant", "finance-withdrawal:view", "finance-operation:user-coin-credit", "finance-operation:user-coin-debit", "finance-operation:user-wallet-credit", "finance-operation:user-wallet-debit", "finance-operation:coin-seller-coin-credit", "finance-operation:coin-seller-coin-debit", "payment-product:view", "payment-product:create", "payment-product:update", "payment-product:delete",
 			"lucky-gift:view", "lucky-gift:update", "wheel:view", "wheel:update",
 			"game:view", "game:create", "game:update", "game:status", "game:delete",
@ -673,7 +676,7 @@ func defaultRolePermissionCodes(code string) []string {
 			"upload:create",
 		}
 	case "auditor":
-		return []string{"overview:view", "log:view", "user:view", "team:view", "app-user:view", "level-config:view", "pretty-id:view", "risk-config:view", "region-block:view", "room:view", "room-pin:view", "room-config:view", "room-whitelist:view", "room-robot:view", "app-config:view", "app-version:view", "resource:view", "resource-shop:view", "resource-group:view", "resource-grant:view", "gift:view", "emoji-pack:view", "host-agency-policy:view", "team-salary-policy:view", "host-salary-settlement:view", "host-withdrawal:view", "coin-ledger:view", "coin-seller-ledger:view", "coin-adjustment:view", "report:view", "gift-diamond:view", "policy-template:view", "full-server-notice:view", "lucky-gift:view", "wheel:view", "payment-bill:view", "payment-third-party:view", "payment-temporary-link:view", "finance-order:coin-seller-recharge:view", "payment-product:view", "game:view", "daily-task:view", "achievement:view", "seven-day-checkin:view", "room-rocket:view", "red-packet:view", "cp-config:view", "cp-weekly-rank:view", "vip-config:view", "weekly-star:view", "agency-opening:view", "role:view", "permission:view", "job:view"}
+		return []string{"overview:view", "log:view", "user:view", "team:view", "app-user:view", "level-config:view", "pretty-id:view", "risk-config:view", "region-block:view", "room:view", "room-pin:view", "room-config:view", "room-whitelist:view", "room-robot:view", "app-config:view", "app-version:view", "resource:view", "resource-shop:view", "resource-group:view", "resource-grant:view", "gift:view", "emoji-pack:view", "host-agency-policy:view", "team-salary-policy:view", "host-salary-settlement:view", "host-withdrawal:view", "coin-seller-sub-application:view", "coin-ledger:view", "coin-seller-ledger:view", "coin-adjustment:view", "report:view", "gift-diamond:view", "policy-template:view", "full-server-notice:view", "lucky-gift:view", "wheel:view", "payment-bill:view", "payment-third-party:view", "payment-temporary-link:view", "finance-order:coin-seller-recharge:view", "payment-product:view", "game:view", "daily-task:view", "achievement:view", "seven-day-checkin:view", "room-rocket:view", "red-packet:view", "cp-config:view", "cp-weekly-rank:view", "vip-config:view", "weekly-star:view", "agency-opening:view", "role:view", "permission:view", "job:view"}
 	case "readonly":
 		return []string{
 			"overview:view",
@ -707,6 +710,7 @@ func defaultRolePermissionCodes(code string) []string {
 			"agency:view",
 			"bd:view",
 			"coin-seller:view",
+			"coin-seller-sub-application:view",
 			"coin-ledger:view",
 			"coin-seller-ledger:view",
 			"coin-adjustment:view",
@ -766,7 +770,7 @@ func defaultRolePermissionMigrationCodes(code string) []string {
 			"country:view", "country:create", "country:update", "country:status",
 			"region:view", "region:create", "region:update", "region:status",
 			"host-agency-policy:view", "host-agency-policy:create", "host-agency-policy:update", "host-agency-policy:delete", "host-agency-policy:publish", "team-salary-policy:view", "team-salary-policy:create", "team-salary-policy:update", "team-salary-policy:delete", "host-salary-settlement:view", "host-salary-settlement:settle",
-			"coin-seller:view", "coin-seller:create", "coin-seller:update", "coin-seller:stock-credit", "coin-seller:exchange-rate",
+			"coin-seller:view", "coin-seller:create", "coin-seller:update", "coin-seller:stock-credit", "coin-seller:exchange-rate", "coin-seller-sub-application:view", "coin-seller-sub-application:audit",
 			"coin-ledger:view", "coin-seller-ledger:view", "host-withdrawal:view", "coin-adjustment:view", "coin-adjustment:create", "report:view", "gift-diamond:view", "gift-diamond:update", "policy-template:view", "policy-template:create", "policy-instance:create", "policy-instance:update", "policy-instance:publish", "full-server-notice:view", "full-server-notice:send", "payment-bill:view", "payment-third-party:view", "payment-third-party:update", "payment-temporary-link:view", "payment-temporary-link:create", "finance-application:create", "finance-order:coin-seller-recharge:view", "finance-order:coin-seller-recharge:create", "finance-order:coin-seller-recharge:verify", "finance-order:coin-seller-recharge:grant", "finance-operation:user-coin-credit", "finance-operation:user-coin-debit", "finance-operation:user-wallet-credit", "finance-operation:user-wallet-debit", "finance-operation:coin-seller-coin-credit", "finance-operation:coin-seller-coin-debit", "payment-product:view", "payment-product:create", "payment-product:update", "payment-product:delete",
 			"lucky-gift:view", "lucky-gift:update", "wheel:view", "wheel:update",
 			"game:view", "game:create", "game:update", "game:status", "game:delete",
@ -781,7 +785,7 @@ func defaultRolePermissionMigrationCodes(code string) []string {
 			"agency-opening:view", "agency-opening:create", "agency-opening:update",
 		}
 	case "auditor", "readonly":
-		return []string{"team:view", "level-config:view", "pretty-id:view", "risk-config:view", "region-block:view", "room:view", "room-pin:view", "room-config:view", "room-whitelist:view", "room-robot:view", "app-config:view", "app-version:view", "resource:view", "resource-shop:view", "resource-group:view", "resource-grant:view", "gift:view", "emoji-pack:view", "host-agency-policy:view", "team-salary-policy:view", "host-salary-settlement:view", "host-withdrawal:view", "coin-seller:view", "coin-ledger:view", "coin-seller-ledger:view", "coin-adjustment:view", "report:view", "gift-diamond:view", "policy-template:view", "full-server-notice:view", "lucky-gift:view", "wheel:view", "payment-bill:view", "payment-third-party:view", "payment-temporary-link:view", "finance-order:coin-seller-recharge:view", "payment-product:view", "game:view", "daily-task:view", "achievement:view", "seven-day-checkin:view", "room-rocket:view", "red-packet:view", "cp-config:view", "cp-weekly-rank:view", "vip-config:view", "weekly-star:view", "agency-opening:view"}
+		return []string{"team:view", "level-config:view", "pretty-id:view", "risk-config:view", "region-block:view", "room:view", "room-pin:view", "room-config:view", "room-whitelist:view", "room-robot:view", "app-config:view", "app-version:view", "resource:view", "resource-shop:view", "resource-group:view", "resource-grant:view", "gift:view", "emoji-pack:view", "host-agency-policy:view", "team-salary-policy:view", "host-salary-settlement:view", "host-withdrawal:view", "coin-seller:view", "coin-seller-sub-application:view", "coin-ledger:view", "coin-seller-ledger:view", "coin-adjustment:view", "report:view", "gift-diamond:view", "policy-template:view", "full-server-notice:view", "lucky-gift:view", "wheel:view", "payment-bill:view", "payment-third-party:view", "payment-temporary-link:view", "finance-order:coin-seller-recharge:view", "payment-product:view", "game:view", "daily-task:view", "achievement:view", "seven-day-checkin:view", "room-rocket:view", "red-packet:view", "cp-config:view", "cp-weekly-rank:view", "vip-config:view", "weekly-star:view", "agency-opening:view"}
 	default:
 		return nil
 	}
--- a/server/admin/migrations/084_coin_seller_sub_applications.sql
+++ b/server/admin/migrations/084_coin_seller_sub_applications.sql
@ -0,0 +1,51 @@
+SET @now_ms := UNIX_TIMESTAMP(CURRENT_TIMESTAMP(3)) * 1000;
+
+INSERT INTO admin_permissions (name, code, kind, description, created_at_ms, updated_at_ms) VALUES
+  ('子币商申请查看', 'coin-seller-sub-application:view', 'menu', '允许查看子币商邀请申请列表', @now_ms, @now_ms),
+  ('子币商申请审核', 'coin-seller-sub-application:audit', 'button', '允许通过或拒绝子币商邀请申请', @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, 'Sub Coin Seller 申请列表', 'host-org-coin-seller-sub-applications', '/host/coin-seller-sub-applications', 'receipt', 'coin-seller-sub-application:view', 88, 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;
+
+UPDATE admin_menus
+SET sort = 89, updated_at_ms = @now_ms
+WHERE code = 'host-withdrawals' AND sort < 89;
+
+INSERT IGNORE INTO admin_role_permissions (role_id, permission_id)
+SELECT admin_role.id, admin_permission.id
+FROM admin_roles admin_role
+JOIN admin_permissions admin_permission
+WHERE admin_role.code IN ('platform-admin', 'ops-admin')
+  AND admin_permission.code IN ('coin-seller-sub-application:view', 'coin-seller-sub-application:audit');
+
+INSERT IGNORE INTO admin_role_permissions (role_id, permission_id)
+SELECT DISTINCT existing.role_id, sub_view.id
+FROM admin_role_permissions existing
+JOIN admin_permissions coin_view
+  ON coin_view.id = existing.permission_id
+ AND coin_view.code = 'coin-seller:view'
+JOIN admin_permissions sub_view
+  ON sub_view.code = 'coin-seller-sub-application:view';
+
+INSERT IGNORE INTO admin_role_permissions (role_id, permission_id)
+SELECT admin_role.id, admin_permission.id
+FROM admin_roles admin_role
+JOIN admin_permissions admin_permission
+WHERE admin_role.code IN ('auditor', 'readonly')
+  AND admin_permission.code = 'coin-seller-sub-application:view';
--- a/services/gateway-service/internal/client/user_client.go
+++ b/services/gateway-service/internal/client/user_client.go
@ -122,6 +122,7 @@ type UserHostClient interface {
 	GetCoinSellerProfile(ctx context.Context, req *userv1.GetCoinSellerProfileRequest) (*userv1.GetCoinSellerProfileResponse, error)
 	ListActiveCoinSellersInMyRegion(ctx context.Context, req *userv1.ListActiveCoinSellersInMyRegionRequest) (*userv1.ListActiveCoinSellersInMyRegionResponse, error)
 	CreateSubCoinSeller(ctx context.Context, req *userv1.CreateSubCoinSellerRequest) (*userv1.CreateSubCoinSellerResponse, error)
+	SubmitSubCoinSellerApplication(ctx context.Context, req *userv1.SubmitSubCoinSellerApplicationRequest) (*userv1.SubmitSubCoinSellerApplicationResponse, error)
 	ListSubCoinSellers(ctx context.Context, req *userv1.ListSubCoinSellersRequest) (*userv1.ListSubCoinSellersResponse, error)
 	CheckCoinSellerSubRelation(ctx context.Context, req *userv1.CheckCoinSellerSubRelationRequest) (*userv1.CheckCoinSellerSubRelationResponse, error)
 	GetUserRoleSummary(ctx context.Context, req *userv1.GetUserRoleSummaryRequest) (*userv1.GetUserRoleSummaryResponse, error)
@ -580,6 +581,10 @@ func (c *grpcUserHostClient) CreateSubCoinSeller(ctx context.Context, req *userv
 	return c.client.CreateSubCoinSeller(ctx, req)
 }

+func (c *grpcUserHostClient) SubmitSubCoinSellerApplication(ctx context.Context, req *userv1.SubmitSubCoinSellerApplicationRequest) (*userv1.SubmitSubCoinSellerApplicationResponse, error) {
+	return c.client.SubmitSubCoinSellerApplication(ctx, req)
+}
+
 func (c *grpcUserHostClient) ListSubCoinSellers(ctx context.Context, req *userv1.ListSubCoinSellersRequest) (*userv1.ListSubCoinSellersResponse, error) {
 	return c.client.ListSubCoinSellers(ctx, req)
 }
--- a/services/gateway-service/internal/transport/http/response_test.go
+++ b/services/gateway-service/internal/transport/http/response_test.go
@ -506,6 +506,9 @@ type fakeUserHostClient struct {
 	lastCreateSubSeller *userv1.CreateSubCoinSellerRequest
 	createSubSellerResp *userv1.CreateSubCoinSellerResponse
 	createSubSellerErr  error
+	lastSubmitSubApp    *userv1.SubmitSubCoinSellerApplicationRequest
+	submitSubAppResp    *userv1.SubmitSubCoinSellerApplicationResponse
+	submitSubAppErr     error
 	lastListSubSellers  *userv1.ListSubCoinSellersRequest
 	listSubSellersResp  *userv1.ListSubCoinSellersResponse
 	listSubSellersErr   error
@ -1846,6 +1849,17 @@ func (f *fakeUserHostClient) CreateSubCoinSeller(_ context.Context, req *userv1.
 	return &userv1.CreateSubCoinSellerResponse{}, nil
 }

+func (f *fakeUserHostClient) SubmitSubCoinSellerApplication(_ context.Context, req *userv1.SubmitSubCoinSellerApplicationRequest) (*userv1.SubmitSubCoinSellerApplicationResponse, error) {
+	f.lastSubmitSubApp = req
+	if f.submitSubAppErr != nil {
+		return nil, f.submitSubAppErr
+	}
+	if f.submitSubAppResp != nil {
+		return f.submitSubAppResp, nil
+	}
+	return &userv1.SubmitSubCoinSellerApplicationResponse{}, nil
+}
+
 func (f *fakeUserHostClient) ListSubCoinSellers(_ context.Context, req *userv1.ListSubCoinSellersRequest) (*userv1.ListSubCoinSellersResponse, error) {
 	f.lastListSubSellers = req
 	if f.listSubSellersErr != nil {
--- a/services/gateway-service/internal/transport/http/walletapi/coin_seller_sub_handler.go
+++ b/services/gateway-service/internal/transport/http/walletapi/coin_seller_sub_handler.go
@ -93,7 +93,7 @@ func (h *Handler) getCoinSellerOverview(writer http.ResponseWriter, request *htt
 	})
 }

-// createSubCoinSeller 通过短 ID 直开或绑定直属子币商；目标解析在 gateway，关系事实在 user-service 事务内落库。
+// createSubCoinSeller 通过短 ID 提交子币商邀请申请；目标解析在 gateway，审核事实在 user-service 事务内落库。
 func (h *Handler) createSubCoinSeller(writer http.ResponseWriter, request *http.Request) {
 	if h.userHostClient == nil || h.userIdentityClient == nil {
 		httpkit.WriteError(writer, request, http.StatusBadGateway, httpkit.CodeUpstreamError, "upstream service error")
@ -113,19 +113,19 @@ func (h *Handler) createSubCoinSeller(writer http.ResponseWriter, request *http.
 	if !ok {
 		return
 	}
-	resp, err := h.userHostClient.CreateSubCoinSeller(request.Context(), &userv1.CreateSubCoinSellerRequest{
+	resp, err := h.userHostClient.SubmitSubCoinSellerApplication(request.Context(), &userv1.SubmitSubCoinSellerApplicationRequest{
 		Meta:         httpkit.UserMeta(request, ""),
 		CommandId:    commandID,
 		ParentUserId: auth.UserIDFromContext(request.Context()),
-		ChildUserId:  targetUserID,
+		TargetUserId: targetUserID,
 	})
 	if err != nil {
 		httpkit.WriteRPCError(writer, request, err)
 		return
 	}
 	httpkit.WriteOK(writer, request, map[string]any{
-		"relation": coinSellerSubRelationFromProto(resp.GetRelation()),
-		"child":    coinSellerFromProto(resp.GetChild()),
+		"application": coinSellerSubApplicationFromProto(resp.GetApplication()),
+		"message":     "official will review your invitation within 24 hours",
 	})
 }

@ -267,6 +267,35 @@ func coinSellerSubRelationFromProto(relation *userv1.CoinSellerSubRelation) map[
 	}
 }

+func coinSellerSubApplicationFromProto(application *userv1.CoinSellerSubApplication) map[string]any {
+	if application == nil {
+		return map[string]any{}
+	}
+	return map[string]any{
+		"application_id":       strconv.FormatInt(application.GetApplicationId(), 10),
+		"applicationId":        strconv.FormatInt(application.GetApplicationId(), 10),
+		"command_id":           application.GetCommandId(),
+		"commandId":            application.GetCommandId(),
+		"parent_user_id":       strconv.FormatInt(application.GetParentUserId(), 10),
+		"parentUserId":         strconv.FormatInt(application.GetParentUserId(), 10),
+		"target_user_id":       strconv.FormatInt(application.GetTargetUserId(), 10),
+		"targetUserId":         strconv.FormatInt(application.GetTargetUserId(), 10),
+		"status":               application.GetStatus(),
+		"relation_id":          strconv.FormatInt(application.GetRelationId(), 10),
+		"relationId":           strconv.FormatInt(application.GetRelationId(), 10),
+		"reviewed_by_admin_id": strconv.FormatInt(application.GetReviewedByAdminId(), 10),
+		"reviewedByAdminId":    strconv.FormatInt(application.GetReviewedByAdminId(), 10),
+		"review_reason":        application.GetReviewReason(),
+		"reviewReason":         application.GetReviewReason(),
+		"reviewed_at_ms":       application.GetReviewedAtMs(),
+		"reviewedAtMs":         application.GetReviewedAtMs(),
+		"created_at_ms":        application.GetCreatedAtMs(),
+		"createdAtMs":          application.GetCreatedAtMs(),
+		"updated_at_ms":        application.GetUpdatedAtMs(),
+		"updatedAtMs":          application.GetUpdatedAtMs(),
+	}
+}
+
 func firstTrimmed(values ...string) string {
 	for _, value := range values {
 		if trimmed := strings.TrimSpace(value); trimmed != "" {
--- a/services/gateway-service/internal/transport/http/walletapi/sub_coin_seller_handler.go
+++ b/services/gateway-service/internal/transport/http/walletapi/sub_coin_seller_handler.go
@ -200,10 +200,10 @@ func coinSellerSubSellerPermission(allowed bool) coinSellerSubSellerPermissionDa
 	}
 }

-// inviteCoinSellerSubSeller 通过短 ID 或内部 user_id 创建直属子币商关系。
+// inviteCoinSellerSubSeller 通过短 ID 或内部 user_id 提交子币商邀请申请。
 // user-service 在事务内校验父级权限、同区域、无环和子级唯一 active 父级，gateway 不复制这些规则。
 func (h *Handler) inviteCoinSellerSubSeller(writer http.ResponseWriter, request *http.Request) {
-	if h.userHostClient == nil || h.userIdentityClient == nil || h.walletClient == nil {
+	if h.userHostClient == nil || h.userIdentityClient == nil {
 		httpkit.WriteError(writer, request, http.StatusBadGateway, httpkit.CodeUpstreamError, "upstream service error")
 		return
 	}
@ -220,24 +220,19 @@ func (h *Handler) inviteCoinSellerSubSeller(writer http.ResponseWriter, request
 		httpkit.WriteError(writer, request, http.StatusBadRequest, httpkit.CodeInvalidArgument, "invalid argument")
 		return
 	}
-	resp, err := h.userHostClient.CreateSubCoinSeller(request.Context(), &userv1.CreateSubCoinSellerRequest{
+	resp, err := h.userHostClient.SubmitSubCoinSellerApplication(request.Context(), &userv1.SubmitSubCoinSellerApplicationRequest{
 		Meta:         httpkit.UserMeta(request, ""),
 		CommandId:    commandID,
 		ParentUserId: auth.UserIDFromContext(request.Context()),
-		ChildUserId:  childUserID,
+		TargetUserId: childUserID,
 	})
 	if err != nil {
 		httpkit.WriteRPCError(writer, request, err)
 		return
 	}
-	balance, err := h.coinSellerSubBalance(request, resp.GetChild().GetUserId())
-	if err != nil {
-		httpkit.WriteRPCError(writer, request, err)
-		return
-	}
 	httpkit.WriteOK(writer, request, map[string]any{
-		"relation": resp.GetRelation(),
-		"child":    coinSellerSubSellerFromProto(resp.GetChild(), balance),
+		"application": coinSellerSubApplicationFromProto(resp.GetApplication()),
+		"message":     "official will review your invitation within 24 hours",
 	})
 }

--- a/services/statistics-service/internal/app/query_http.go
+++ b/services/statistics-service/internal/app/query_http.go
@ -37,6 +37,7 @@ func newQueryHTTPServer(addr string, repo *mysqlstorage.Repository) (*queryHTTPS
 	mux.HandleFunc("/internal/v1/statistics/app/events", s.appEvents)
 	mux.HandleFunc("/internal/v1/statistics/app/funnel", s.appFunnel)
 	mux.HandleFunc("/internal/v1/statistics/social/requirements", s.socialRequirements)
+	mux.HandleFunc("/internal/v1/statistics/social/coin-seller-recharge-orders", s.socialCoinSellerRechargeOrder)
 	mux.HandleFunc("/internal/v1/statistics/self-game/events", s.selfGameEvents)
 	mux.HandleFunc("/internal/v1/statistics/self-games/overview", s.selfGameOverview)
 	s.server = &http.Server{Handler: mux, ReadHeaderTimeout: 2 * time.Second}
@ -227,6 +228,21 @@ type appEventsRequest struct {
 	Events []appTrackingEventRequest `json:"events"`
 }

+type socialCoinSellerRechargeOrderRequest struct {
+	AppCode      string `json:"app_code"`
+	EventID      string `json:"event_id"`
+	OrderID      int64  `json:"order_id"`
+	VerifyStatus string `json:"verify_status"`
+	TargetUserID int64  `json:"target_user_id"`
+	USDMinor     int64  `json:"usd_minor"`
+	USDMinorAlt  int64  `json:"usd_minor_amount"`
+	CoinAmount   int64  `json:"coin_amount"`
+	CountryID    int64  `json:"target_country_id"`
+	RegionID     int64  `json:"target_region_id"`
+	CreatedAtMS  int64  `json:"created_at_ms"`
+	OccurredAtMS int64  `json:"occurred_at_ms"`
+}
+
 type appTrackingEventRequest struct {
 	AppCode      string          `json:"app_code"`
 	EventID      string          `json:"event_id"`
@ -251,6 +267,53 @@ type appTrackingEventRequest struct {
 	OccurredAtMS int64           `json:"occurred_at_ms"`
 }

+func (s *queryHTTPServer) socialCoinSellerRechargeOrder(w http.ResponseWriter, r *http.Request) {
+	if r.Method != http.MethodPost {
+		writeJSON(w, http.StatusMethodNotAllowed, map[string]any{"error": "method not allowed"})
+		return
+	}
+	defer r.Body.Close()
+	var body socialCoinSellerRechargeOrderRequest
+	if err := json.NewDecoder(r.Body).Decode(&body); err != nil {
+		writeJSON(w, http.StatusBadRequest, map[string]any{"error": "invalid json"})
+		return
+	}
+	app := appcode.Normalize(body.AppCode)
+	if app == "" {
+		app = "lalu"
+	}
+	eventID := strings.TrimSpace(body.EventID)
+	if eventID == "" && body.OrderID > 0 {
+		eventID = "finance_coin_seller_recharge_order:" + strconv.FormatInt(body.OrderID, 10)
+	}
+	usdMinor := body.USDMinor
+	if usdMinor <= 0 {
+		usdMinor = body.USDMinorAlt
+	}
+	if eventID == "" || body.TargetUserID <= 0 || usdMinor <= 0 || body.CreatedAtMS <= 0 || !strings.EqualFold(strings.TrimSpace(body.VerifyStatus), "verified") {
+		writeJSON(w, http.StatusBadRequest, map[string]any{"error": "verified event_id/order_id, target_user_id, usd_minor and created_at_ms are required"})
+		return
+	}
+	// 这个入口只承接 admin finance 已经校验完成的订单快照；statistics-service 不回查 admin 表，避免统计链路拥有财务状态。
+	err := s.repo.ConsumeFinanceCoinSellerRechargeOrder(appcode.WithContext(r.Context(), app), mysqlstorage.FinanceCoinSellerRechargeOrderEvent{
+		AppCode:      app,
+		EventID:      eventID,
+		VerifyStatus: body.VerifyStatus,
+		TargetUserID: body.TargetUserID,
+		USDMinor:     usdMinor,
+		CoinAmount:   body.CoinAmount,
+		CountryID:    body.CountryID,
+		RegionID:     body.RegionID,
+		CreatedAtMS:  body.CreatedAtMS,
+		OccurredAtMS: body.OccurredAtMS,
+	})
+	if err != nil {
+		writeJSON(w, http.StatusInternalServerError, map[string]any{"error": err.Error()})
+		return
+	}
+	writeJSON(w, http.StatusOK, map[string]any{"ok": true})
+}
+
 func (s *queryHTTPServer) appEvents(w http.ResponseWriter, r *http.Request) {
 	if r.Method != http.MethodPost {
 		writeJSON(w, http.StatusMethodNotAllowed, map[string]any{"error": "method not allowed"})
--- a/services/statistics-service/internal/storage/mysql/query_test.go
+++ b/services/statistics-service/internal/storage/mysql/query_test.go
@ -311,6 +311,23 @@ func TestQuerySocialRequirementsAggregatesP0ToP5(t *testing.T) {
 			t.Fatalf("consume recharge %s: %v", event.EventID, err)
 		}
 	}
+	financeOrder := FinanceCoinSellerRechargeOrderEvent{
+		AppCode: "lalu", EventID: "social:finance:coin-seller:verified", VerifyStatus: "verified", TargetUserID: user2,
+		USDMinor: 900, CoinAmount: 90_000, CountryID: 86, RegionID: 210, CreatedAtMS: start.Add(12*time.Minute + 30*time.Second).UnixMilli(),
+	}
+	if err := repository.ConsumeFinanceCoinSellerRechargeOrder(ctx, financeOrder); err != nil {
+		t.Fatalf("consume finance coin-seller order: %v", err)
+	}
+	financeOrder.USDMinor = 1200
+	if err := repository.ConsumeFinanceCoinSellerRechargeOrder(ctx, financeOrder); err != nil {
+		t.Fatalf("consume duplicate finance coin-seller order: %v", err)
+	}
+	if err := repository.ConsumeFinanceCoinSellerRechargeOrder(ctx, FinanceCoinSellerRechargeOrderEvent{
+		AppCode: "lalu", EventID: "social:finance:coin-seller:pending", VerifyStatus: "pending", TargetUserID: user2,
+		USDMinor: 300, CoinAmount: 30_000, CountryID: 86, RegionID: 210, CreatedAtMS: start.Add(12*time.Minute + 45*time.Second).UnixMilli(),
+	}); err != nil {
+		t.Fatalf("consume pending finance coin-seller order: %v", err)
+	}
 	for _, event := range []RoomGiftEvent{
 		{AppCode: "lalu", EventID: "social:gift:normal", SenderUserID: user1, CountryID: 86, VisibleRegionID: 210, GiftValue: 100, CoinSpent: 100, GiftTypeCode: "normal", OccurredAtMS: start.Add(13 * time.Minute).UnixMilli()},
 		{AppCode: "lalu", EventID: "social:gift:lucky", SenderUserID: user1, CountryID: 86, VisibleRegionID: 210, GiftValue: 200, CoinSpent: 200, PoolID: "lucky", GiftTypeCode: "lucky", OccurredAtMS: start.Add(14 * time.Minute).UnixMilli()},
@ -353,19 +370,30 @@ func TestQuerySocialRequirementsAggregatesP0ToP5(t *testing.T) {
 		t.Fatalf("P0 metrics mismatch: %+v", newUsers.Total.Metrics)
 	}

-	revenue, err := repository.QuerySocialRequirements(ctx, SocialRequirementsQuery{AppCode: "lalu", StartMS: query.StartMS, EndMS: query.EndMS, Section: SocialSectionRevenue, PayerType: "paid"})
+	revenue := socialTestSection(t, result, SocialSectionRevenue)
+	if socialMetricInt(t, revenue.Total, "recharge_usd_minor") != 2100 ||
+		socialMetricInt(t, revenue.Total, "google_recharge_usd_minor") != 500 ||
+		socialMetricInt(t, revenue.Total, "third_party_recharge_usd_minor") != 900 ||
+		socialMetricInt(t, revenue.Total, "coin_seller_recharge_usd_minor") != 900 ||
+		socialMetricInt(t, revenue.Total, "recharge_count") != 3 ||
+		socialMetricInt(t, revenue.Total, "recharge_users") != 1 ||
+		math.Abs(socialMetricFloat(t, revenue.Total, "paid_rate")-0.5) > 0.0001 ||
+		socialMetricInt(t, revenue.Total, "arppu_usd_minor") != 1200 {
+		t.Fatalf("P1 default metrics mismatch: %+v", revenue.Total.Metrics)
+	}
+	paidRevenue, err := repository.QuerySocialRequirements(ctx, SocialRequirementsQuery{AppCode: "lalu", StartMS: query.StartMS, EndMS: query.EndMS, Section: SocialSectionRevenue, PayerType: "paid"})
 	if err != nil {
 		t.Fatalf("query revenue requirements: %v", err)
 	}
-	revenueSection := socialTestSection(t, revenue, SocialSectionRevenue)
-	if socialMetricInt(t, revenueSection.Total, "recharge_usd_minor") != 1200 ||
-		socialMetricInt(t, revenueSection.Total, "google_recharge_usd_minor") != 500 ||
-		socialMetricInt(t, revenueSection.Total, "third_party_recharge_usd_minor") != 700 ||
-		socialMetricInt(t, revenueSection.Total, "recharge_count") != 2 ||
-		socialMetricInt(t, revenueSection.Total, "first_recharge_users") != 1 ||
-		socialMetricInt(t, revenueSection.Total, "repeat_recharge_users") != 1 ||
-		math.Abs(socialMetricFloat(t, revenueSection.Total, "paid_rate")-1) > 0.0001 {
-		t.Fatalf("P1 metrics mismatch: %+v", revenueSection.Total.Metrics)
+	paidRevenueSection := socialTestSection(t, paidRevenue, SocialSectionRevenue)
+	if socialMetricInt(t, paidRevenueSection.Total, "recharge_usd_minor") != 1200 ||
+		socialMetricInt(t, paidRevenueSection.Total, "google_recharge_usd_minor") != 500 ||
+		socialMetricInt(t, paidRevenueSection.Total, "third_party_recharge_usd_minor") != 0 ||
+		socialMetricInt(t, paidRevenueSection.Total, "recharge_count") != 2 ||
+		socialMetricInt(t, paidRevenueSection.Total, "first_recharge_users") != 1 ||
+		socialMetricInt(t, paidRevenueSection.Total, "repeat_recharge_users") != 1 ||
+		math.Abs(socialMetricFloat(t, paidRevenueSection.Total, "paid_rate")-1) > 0.0001 {
+		t.Fatalf("P1 paid metrics mismatch: %+v", paidRevenueSection.Total.Metrics)
 	}

 	retention := socialTestSection(t, result, SocialSectionRetention)
--- a/services/statistics-service/internal/storage/mysql/repository.go
+++ b/services/statistics-service/internal/storage/mysql/repository.go
@ -15,11 +15,11 @@ import (
 )

 const (
-	SourceUser   = "user"
-	SourceWallet = "wallet"
-	SourceRoom   = "room"
-	SourceGame   = "game"
-	SourceH5     = "h5"
+	SourceUser    = "user"
+	SourceWallet  = "wallet"
+	SourceRoom    = "room"
+	SourceGame    = "game"
+	SourceH5      = "h5"
 	SourceFinance = "finance"
 )

@ -615,16 +615,16 @@ type CoinSellerStockEvent struct {
 }

 type FinanceCoinSellerRechargeOrderEvent struct {
-	AppCode        string
-	EventID        string
-	VerifyStatus  string
-	TargetUserID  int64
-	USDMinor      int64
-	CoinAmount    int64
-	CountryID     int64
-	RegionID      int64
-	CreatedAtMS   int64
-	OccurredAtMS  int64
+	AppCode      string
+	EventID      string
+	VerifyStatus string
+	TargetUserID int64
+	USDMinor     int64
+	CoinAmount   int64
+	CountryID    int64
+	RegionID     int64
+	CreatedAtMS  int64
+	OccurredAtMS int64
 }

 type RoomGiftEvent struct {
@ -1004,6 +1004,7 @@ func (r *Repository) ConsumeFinanceCoinSellerRechargeOrder(ctx context.Context,
 				RechargeCount:              1,
 				RechargeUSDMinor:           event.USDMinor,
 				ThirdPartyRechargeUSDMinor: event.USDMinor,
+				CoinSellerRechargeUSDMinor: event.USDMinor,
 			}); err != nil {
 				return err
 			}
--- a/services/statistics-service/internal/storage/mysql/social_requirements_query.go
+++ b/services/statistics-service/internal/storage/mysql/social_requirements_query.go
@ -523,6 +523,7 @@ func socialSectionMetrics(section string, agg socialRequirementAggregate, retent
 	switch section {
 	case SocialSectionRevenue:
 		totalConsume := agg.GameBetCoin + agg.NormalGiftCoin + agg.LuckyGiftCoin + agg.SuperGiftCoin + agg.OtherConsumeCoin
+		ordinaryRechargeUSDMinor := agg.FirstRechargeUSDMinor + agg.RepeatRechargeUSDMinor
 		return map[string]any{
 			"recharge_usd_minor":             agg.RechargeUSDMinor,
 			"google_recharge_usd_minor":      agg.GoogleRechargeUSDMinor,
@ -537,7 +538,7 @@ func socialSectionMetrics(section string, agg socialRequirementAggregate, retent
 			"repurchase_rate":                ratio(agg.RepeatRecharge, agg.Recharge),
 			"paid_rate":                      ratio(agg.Recharge, agg.Active),
 			"arpu_usd_minor":                 div(agg.RechargeUSDMinor, agg.Active),
-			"arppu_usd_minor":                div(agg.RechargeUSDMinor, agg.Recharge),
+			"arppu_usd_minor":                div(ordinaryRechargeUSDMinor, agg.Recharge),
 			"consumption_penetration_rate":   ratio(agg.Gift+agg.GameBet, agg.Active),
 			"game_consumption_ratio":         ratio(agg.GameBetCoin, totalConsume),
 			"lucky_gift_consumption_ratio":   ratio(agg.LuckyGiftCoin+agg.SuperGiftCoin, totalConsume),
@ -740,11 +741,12 @@ func socialRequirementMetricDefinitions(section string) []MetricDefinition {
 	switch section {
 	case SocialSectionRevenue:
 		return []MetricDefinition{
-			{Metric: "recharge_usd_minor", Definition: "服务端 WalletRechargeRecorded 充值事实汇总，单位 USD minor。"},
+			{Metric: "recharge_usd_minor", Definition: "普通 WalletRechargeRecorded 用户充值和 finance verified 币商充值订单汇总，单位 USD minor。"},
+			{Metric: "third_party_recharge_usd_minor", Definition: "finance 工作台币商充值订单 verify_status=verified 后按 created_at_ms 计入；普通 MifaPay/V5Pay/USDT 用户充值不进入此列。"},
 			{Metric: "repurchase_rate", Definition: "复购充值用户 / 当日充值用户。"},
 			{Metric: "paid_rate", Definition: "充值用户 / DAU，支持用户身份和当日付费身份筛选。"},
 			{Metric: "arpu_usd_minor", Definition: "充值金额 / DAU。"},
-			{Metric: "arppu_usd_minor", Definition: "充值金额 / 充值用户。"},
+			{Metric: "arppu_usd_minor", Definition: "普通充值金额 / 普通充值用户；finance 币商订单只进入收入金额和订单次数，不污染用户付费均值。"},
 		}
 	case SocialSectionRetention:
 		return []MetricDefinition{
--- a/services/user-service/deploy/mysql/initdb/001_user_service.sql
+++ b/services/user-service/deploy/mysql/initdb/001_user_service.sql
@ -827,6 +827,29 @@ CREATE TABLE IF NOT EXISTS coin_seller_relations (
  KEY idx_coin_seller_relation_child (app_code, child_user_id, status)
 ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='币商直属子币商关系表';

+CREATE TABLE IF NOT EXISTS coin_seller_sub_applications (
+  app_code VARCHAR(32) NOT NULL DEFAULT 'lalu' COMMENT '应用编码，用于多租户隔离',
+  application_id BIGINT NOT NULL PRIMARY KEY COMMENT '子币商申请 ID',
+  command_id VARCHAR(128) NOT NULL COMMENT '提交申请幂等命令 ID',
+  parent_user_id BIGINT NOT NULL COMMENT '父币商用户 ID',
+  target_user_id BIGINT NOT NULL COMMENT '目标子币商用户 ID',
+  status VARCHAR(32) NOT NULL DEFAULT 'pending' COMMENT '审核状态 pending/approved/rejected',
+  relation_id BIGINT NOT NULL DEFAULT 0 COMMENT '审核通过后创建的直属关系 ID',
+  reviewed_by_admin_id BIGINT NOT NULL DEFAULT 0 COMMENT '审核管理员 ID',
+  review_reason VARCHAR(255) NOT NULL DEFAULT '' COMMENT '审核备注',
+  reviewed_at_ms BIGINT NOT NULL DEFAULT 0 COMMENT '审核时间，UTC epoch ms',
+  created_at_ms BIGINT NOT NULL COMMENT '创建时间，UTC epoch ms',
+  updated_at_ms BIGINT NOT NULL COMMENT '更新时间，UTC epoch ms',
+  pending_target_user_id BIGINT GENERATED ALWAYS AS (
+    CASE WHEN status = 'pending' THEN target_user_id ELSE NULL END
+  ) STORED COMMENT '当前待审目标用户 ID',
+  UNIQUE KEY uk_coin_seller_sub_application_command (app_code, command_id),
+  UNIQUE KEY uk_coin_seller_sub_application_pending_target (app_code, pending_target_user_id),
+  KEY idx_coin_seller_sub_application_parent (app_code, parent_user_id, status, created_at_ms),
+  KEY idx_coin_seller_sub_application_target (app_code, target_user_id, status, created_at_ms),
+  KEY idx_coin_seller_sub_application_status (app_code, status, created_at_ms)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='币商子币商邀请审核申请表';
+
 CREATE TABLE IF NOT EXISTS agencies (
  app_code VARCHAR(32) NOT NULL DEFAULT 'lalu' COMMENT '应用编码，用于多租户隔离',
  agency_id BIGINT NOT NULL PRIMARY KEY COMMENT '公会 ID',
--- a/services/user-service/deploy/mysql/migrations/009_coin_seller_sub_applications.sql
+++ b/services/user-service/deploy/mysql/migrations/009_coin_seller_sub_applications.sql
@ -0,0 +1,22 @@
+CREATE TABLE IF NOT EXISTS coin_seller_sub_applications (
+  app_code VARCHAR(32) NOT NULL DEFAULT 'lalu' COMMENT '应用编码，用于多租户隔离',
+  application_id BIGINT NOT NULL PRIMARY KEY COMMENT '子币商申请 ID',
+  command_id VARCHAR(128) NOT NULL COMMENT '提交申请幂等命令 ID',
+  parent_user_id BIGINT NOT NULL COMMENT '父币商用户 ID',
+  target_user_id BIGINT NOT NULL COMMENT '目标子币商用户 ID',
+  status VARCHAR(32) NOT NULL DEFAULT 'pending' COMMENT '审核状态 pending/approved/rejected',
+  relation_id BIGINT NOT NULL DEFAULT 0 COMMENT '审核通过后创建的直属关系 ID',
+  reviewed_by_admin_id BIGINT NOT NULL DEFAULT 0 COMMENT '审核管理员 ID',
+  review_reason VARCHAR(255) NOT NULL DEFAULT '' COMMENT '审核备注',
+  reviewed_at_ms BIGINT NOT NULL DEFAULT 0 COMMENT '审核时间，UTC epoch ms',
+  created_at_ms BIGINT NOT NULL COMMENT '创建时间，UTC epoch ms',
+  updated_at_ms BIGINT NOT NULL COMMENT '更新时间，UTC epoch ms',
+  pending_target_user_id BIGINT GENERATED ALWAYS AS (
+    CASE WHEN status = 'pending' THEN target_user_id ELSE NULL END
+  ) STORED COMMENT '当前待审目标用户 ID',
+  UNIQUE KEY uk_coin_seller_sub_application_command (app_code, command_id),
+  UNIQUE KEY uk_coin_seller_sub_application_pending_target (app_code, pending_target_user_id),
+  KEY idx_coin_seller_sub_application_parent (app_code, parent_user_id, status, created_at_ms),
+  KEY idx_coin_seller_sub_application_target (app_code, target_user_id, status, created_at_ms),
+  KEY idx_coin_seller_sub_application_status (app_code, status, created_at_ms)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='币商子币商邀请审核申请表';
--- a/services/user-service/internal/domain/host/host.go
+++ b/services/user-service/internal/domain/host/host.go
@ -140,8 +140,12 @@ const (
 	CommandTypeCreateCoinSeller = "admin_create_coin_seller"
 	// CommandTypeSetCoinSellerStatus 记录后台启用或停用币商身份命令。
 	CommandTypeSetCoinSellerStatus = "admin_set_coin_seller_status"
-	// CommandTypeCreateSubCoinSeller 记录父币商在 H5 直开或绑定直属子币商的命令。
+	// CommandTypeCreateSubCoinSeller 是历史直开子币商命令；审批制上线后不再允许新请求使用。
 	CommandTypeCreateSubCoinSeller = "coin_seller_create_sub_seller"
+	// CommandTypeSubmitSubCoinSellerApplication 记录父币商提交子币商审核申请的命令。
+	CommandTypeSubmitSubCoinSellerApplication = "coin_seller_submit_sub_application"
+	// CommandTypeReviewSubCoinSellerApplication 记录后台审核子币商申请的命令。
+	CommandTypeReviewSubCoinSellerApplication = "admin_review_coin_seller_sub_application"

 	// ResultTypeApplication 表示命令结果是 agency_applications 行。
 	ResultTypeApplication = "agency_application"
@ -157,6 +161,8 @@ const (
 	ResultTypeCoinSellerProfile = "coin_seller_profile"
 	// ResultTypeCoinSellerRelation 表示命令结果是 coin_seller_relations 行。
 	ResultTypeCoinSellerRelation = "coin_seller_relation"
+	// ResultTypeCoinSellerSubApplication 表示命令结果是 coin_seller_sub_applications 行。
+	ResultTypeCoinSellerSubApplication = "coin_seller_sub_application"
 )

 // HostProfile 是用户长期主播身份快照。
@ -287,12 +293,45 @@ type CoinSellerSubRelation struct {
 	UpdatedAtMs     int64
 }

-// CreateSubCoinSellerResult 聚合直开/绑定后 H5 立即展示所需的关系和子币商资料。
+const (
+	CoinSellerSubApplicationStatusPending  = "pending"
+	CoinSellerSubApplicationStatusApproved = "approved"
+	CoinSellerSubApplicationStatusRejected = "rejected"
+)
+
+// CoinSellerSubApplication 是子币商邀请审核事实；pending 不代表父子关系已经生效。
+type CoinSellerSubApplication struct {
+	ApplicationID     int64
+	CommandID         string
+	ParentUserID      int64
+	TargetUserID      int64
+	Status            string
+	RelationID        int64
+	ReviewedByAdminID int64
+	ReviewReason      string
+	ReviewedAtMs      int64
+	CreatedAtMs       int64
+	UpdatedAtMs       int64
+}
+
+// CreateSubCoinSellerResult 是历史直开 RPC 的兼容返回；新流程只应返回待审核申请。
 type CreateSubCoinSellerResult struct {
 	Relation CoinSellerSubRelation
 	Child    CoinSellerListItem
 }

+// SubmitSubCoinSellerApplicationResult 是 H5 提交子币商申请后的审核状态回执。
+type SubmitSubCoinSellerApplicationResult struct {
+	Application CoinSellerSubApplication
+}
+
+// ReviewSubCoinSellerApplicationResult 是后台审核后的申请和生效关系投影。
+type ReviewSubCoinSellerApplicationResult struct {
+	Application CoinSellerSubApplication
+	Relation    CoinSellerSubRelation
+	Child       CoinSellerListItem
+}
+
 // ListSubCoinSellersResult 是直属子币商分页列表。
 type ListSubCoinSellersResult struct {
 	Items    []CoinSellerListItem
--- a/services/user-service/internal/service/host/commands.go
+++ b/services/user-service/internal/service/host/commands.go
@ -296,6 +296,14 @@ type CreateSubCoinSellerInput struct {
 	RequestID    string
 }

+// SubmitSubCoinSellerApplicationInput 是 H5 父币商邀请子币商时提交后台审核的输入。
+type SubmitSubCoinSellerApplicationInput struct {
+	CommandID    string
+	ParentUserID int64
+	TargetUserID int64
+	RequestID    string
+}
+
 // CreateSubCoinSellerCommand 是父子币商关系事务需要的完整命令。
 type CreateSubCoinSellerCommand struct {
 	CommandID    string
@ -307,6 +315,39 @@ type CreateSubCoinSellerCommand struct {
 	NowMs        int64
 }

+// SubmitSubCoinSellerApplicationCommand 是申请落库事务需要的完整命令。
+type SubmitSubCoinSellerApplicationCommand struct {
+	CommandID     string
+	ApplicationID int64
+	ParentUserID  int64
+	TargetUserID  int64
+	RequestID     string
+	NowMs         int64
+}
+
+// ReviewSubCoinSellerApplicationInput 是后台审核子币商申请的外部输入。
+type ReviewSubCoinSellerApplicationInput struct {
+	CommandID     string
+	AdminUserID   int64
+	ApplicationID int64
+	Decision      string
+	Reason        string
+	RequestID     string
+}
+
+// ReviewSubCoinSellerApplicationCommand 是审核状态机事务需要的完整命令。
+type ReviewSubCoinSellerApplicationCommand struct {
+	CommandID     string
+	AdminUserID   int64
+	ApplicationID int64
+	Decision      string
+	Reason        string
+	RequestID     string
+	RelationID    int64
+	EventID       int64
+	NowMs         int64
+}
+
 // ListSubCoinSellersCommand 描述父币商读取直属子币商列表的分页条件。
 type ListSubCoinSellersCommand struct {
 	ParentUserID int64
--- a/services/user-service/internal/service/host/service.go
+++ b/services/user-service/internal/service/host/service.go
@ -34,6 +34,8 @@ type Repository interface {
 	CreateCoinSeller(ctx context.Context, command CreateCoinSellerCommand) (hostdomain.CoinSellerProfile, error)
 	SetCoinSellerStatus(ctx context.Context, command SetCoinSellerStatusCommand) (hostdomain.CoinSellerProfile, error)
 	CreateSubCoinSeller(ctx context.Context, command CreateSubCoinSellerCommand) (hostdomain.CreateSubCoinSellerResult, error)
+	SubmitSubCoinSellerApplication(ctx context.Context, command SubmitSubCoinSellerApplicationCommand) (hostdomain.SubmitSubCoinSellerApplicationResult, error)
+	ReviewSubCoinSellerApplication(ctx context.Context, command ReviewSubCoinSellerApplicationCommand) (hostdomain.ReviewSubCoinSellerApplicationResult, error)
 	ListSubCoinSellers(ctx context.Context, command ListSubCoinSellersCommand) (hostdomain.ListSubCoinSellersResult, error)
 	CheckCoinSellerSubRelation(ctx context.Context, command CheckCoinSellerSubRelationCommand) (hostdomain.CoinSellerListItem, error)
 	CreateAgency(ctx context.Context, command CreateAgencyCommand) (hostdomain.CreateAgencyResult, error)
@ -564,26 +566,62 @@ func (s *Service) SetCoinSellerStatus(ctx context.Context, command SetCoinSeller
 	})
 }

-// CreateSubCoinSeller 在 H5 币商中心直开或绑定直属子币商。
+// CreateSubCoinSeller 是历史直开 RPC。审批制上线后保留 proto 兼容，但服务端拒绝新直开请求，避免旧调用方绕过后台审核。
 func (s *Service) CreateSubCoinSeller(ctx context.Context, command CreateSubCoinSellerInput) (hostdomain.CreateSubCoinSellerResult, error) {
-	if err := s.requireWriteDependencies(); err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, err
-	}
 	if strings.TrimSpace(command.CommandID) == "" || command.ParentUserID <= 0 || command.ChildUserID <= 0 {
 		return hostdomain.CreateSubCoinSellerResult{}, xerr.New(xerr.InvalidArgument, "command_id, parent_user_id and child_user_id are required")
 	}
 	if command.ParentUserID == command.ChildUserID {
 		return hostdomain.CreateSubCoinSellerResult{}, xerr.New(xerr.Conflict, "coin seller cannot add self as sub seller")
 	}
+	return hostdomain.CreateSubCoinSellerResult{}, xerr.New(xerr.PermissionDenied, "sub coin seller invitation requires admin review")
+}
+
+// SubmitSubCoinSellerApplication 只创建待审申请；active 直属关系必须等待后台审核通过后再落库。
+func (s *Service) SubmitSubCoinSellerApplication(ctx context.Context, command SubmitSubCoinSellerApplicationInput) (hostdomain.SubmitSubCoinSellerApplicationResult, error) {
+	if err := s.requireWriteDependencies(); err != nil {
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
+	}
+	if strings.TrimSpace(command.CommandID) == "" || command.ParentUserID <= 0 || command.TargetUserID <= 0 {
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, xerr.New(xerr.InvalidArgument, "command_id, parent_user_id and target_user_id are required")
+	}
+	if command.ParentUserID == command.TargetUserID {
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, xerr.New(xerr.Conflict, "coin seller cannot add self as sub seller")
+	}
 	nowMs := s.now().UnixMilli()
-	return s.repository.CreateSubCoinSeller(ctx, CreateSubCoinSellerCommand{
-		CommandID:    strings.TrimSpace(command.CommandID),
-		RelationID:   s.idGenerator.NewInt64(),
-		ParentUserID: command.ParentUserID,
-		ChildUserID:  command.ChildUserID,
-		RequestID:    strings.TrimSpace(command.RequestID),
-		EventID:      s.nextEventIDRange(2),
-		NowMs:        nowMs,
+	return s.repository.SubmitSubCoinSellerApplication(ctx, SubmitSubCoinSellerApplicationCommand{
+		CommandID:     strings.TrimSpace(command.CommandID),
+		ApplicationID: s.idGenerator.NewInt64(),
+		ParentUserID:  command.ParentUserID,
+		TargetUserID:  command.TargetUserID,
+		RequestID:     strings.TrimSpace(command.RequestID),
+		NowMs:         nowMs,
+	})
+}
+
+// ReviewSubCoinSellerApplication 是后台审批边界；通过时才创建子币商身份与直属关系。
+func (s *Service) ReviewSubCoinSellerApplication(ctx context.Context, command ReviewSubCoinSellerApplicationInput) (hostdomain.ReviewSubCoinSellerApplicationResult, error) {
+	if err := s.requireWriteDependencies(); err != nil {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+	}
+	decision := strings.TrimSpace(command.Decision)
+	if strings.TrimSpace(command.CommandID) == "" || command.AdminUserID <= 0 || command.ApplicationID <= 0 || decision == "" {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, xerr.New(xerr.InvalidArgument, "command_id, admin_user_id, application_id and decision are required")
+	}
+	if decision != hostdomain.CoinSellerSubApplicationStatusApproved && decision != hostdomain.CoinSellerSubApplicationStatusRejected {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, xerr.New(xerr.InvalidArgument, "decision must be approved or rejected")
+	}
+	nowMs := s.now().UnixMilli()
+	return s.repository.ReviewSubCoinSellerApplication(ctx, ReviewSubCoinSellerApplicationCommand{
+		CommandID:     strings.TrimSpace(command.CommandID),
+		AdminUserID:   command.AdminUserID,
+		ApplicationID: command.ApplicationID,
+		Decision:      decision,
+		Reason:        strings.TrimSpace(command.Reason),
+		RequestID:     strings.TrimSpace(command.RequestID),
+		RelationID:    s.idGenerator.NewInt64(),
+		EventID:       s.nextEventIDRange(2),
+		NowMs:         nowMs,
 	})
 }

--- a/services/user-service/internal/service/host/service_test.go
+++ b/services/user-service/internal/service/host/service_test.go
@ -1690,6 +1690,171 @@ func TestListActiveCoinSellersInMyRegionFiltersByCurrentUserRegion(t *testing.T)
 	}
 }

+func TestCreateSubCoinSellerRPCRequiresAdminReview(t *testing.T) {
+	ctx := context.Background()
+	repository := mysqltest.NewRepository(t)
+	seedActiveUser(t, repository, 950, 80)
+	seedActiveUser(t, repository, 951, 80)
+	svc := newHostService(repository, 10000, 11000)
+
+	_, err := svc.CreateSubCoinSeller(ctx, hostservice.CreateSubCoinSellerInput{
+		CommandID:    "legacy-create-sub-seller",
+		ParentUserID: 950,
+		ChildUserID:  951,
+	})
+	if got := xerr.CodeOf(err); got != xerr.PermissionDenied {
+		t.Fatalf("legacy CreateSubCoinSeller must be blocked by review flow: got %s err=%v", got, err)
+	}
+}
+
+func TestSubCoinSellerApplicationReviewCreatesActiveRelation(t *testing.T) {
+	ctx := context.Background()
+	repository := mysqltest.NewRepository(t)
+	repository.PutRegion(userdomain.Region{
+		RegionID:   80,
+		RegionCode: "r80",
+		Name:       "Region 80",
+		Status:     userdomain.RegionStatusActive,
+		Countries:  []string{"CN"},
+	})
+	for _, userID := range []int64{950, 951, 952, 953} {
+		seedActiveUser(t, repository, userID, 80)
+	}
+	svc := newHostService(repository, 10000, 11000)
+	for _, userID := range []int64{950, 952} {
+		if _, err := svc.CreateCoinSeller(ctx, hostservice.CreateCoinSellerInput{
+			CommandID:    fmt.Sprintf("admin-create-parent-seller-%d", userID),
+			AdminUserID:  1,
+			TargetUserID: userID,
+		}); err != nil {
+			t.Fatalf("CreateCoinSeller parent %d failed: %v", userID, err)
+		}
+	}
+
+	submitted, err := svc.SubmitSubCoinSellerApplication(ctx, hostservice.SubmitSubCoinSellerApplicationInput{
+		CommandID:    "submit-sub-seller-951",
+		ParentUserID: 950,
+		TargetUserID: 951,
+	})
+	if err != nil {
+		t.Fatalf("SubmitSubCoinSellerApplication failed: %v", err)
+	}
+	if submitted.Application.Status != hostdomain.CoinSellerSubApplicationStatusPending ||
+		submitted.Application.ParentUserID != 950 ||
+		submitted.Application.TargetUserID != 951 {
+		t.Fatalf("pending application mismatch: %+v", submitted.Application)
+	}
+
+	retriedSubmit, err := svc.SubmitSubCoinSellerApplication(ctx, hostservice.SubmitSubCoinSellerApplicationInput{
+		CommandID:    "submit-sub-seller-951",
+		ParentUserID: 950,
+		TargetUserID: 951,
+	})
+	if err != nil {
+		t.Fatalf("retry SubmitSubCoinSellerApplication failed: %v", err)
+	}
+	if retriedSubmit.Application.ApplicationID != submitted.Application.ApplicationID {
+		t.Fatalf("submit retry must replay same application: got %d want %d", retriedSubmit.Application.ApplicationID, submitted.Application.ApplicationID)
+	}
+
+	duplicatePending, err := svc.SubmitSubCoinSellerApplication(ctx, hostservice.SubmitSubCoinSellerApplicationInput{
+		CommandID:    "submit-sub-seller-951-again",
+		ParentUserID: 950,
+		TargetUserID: 951,
+	})
+	if err != nil {
+		t.Fatalf("same parent pending submit should replay existing pending: %v", err)
+	}
+	if duplicatePending.Application.ApplicationID != submitted.Application.ApplicationID {
+		t.Fatalf("same parent pending submit must return existing application: got %d want %d", duplicatePending.Application.ApplicationID, submitted.Application.ApplicationID)
+	}
+
+	_, err = svc.SubmitSubCoinSellerApplication(ctx, hostservice.SubmitSubCoinSellerApplicationInput{
+		CommandID:    "submit-sub-seller-951-other-parent",
+		ParentUserID: 952,
+		TargetUserID: 951,
+	})
+	if got := xerr.CodeOf(err); got != xerr.Conflict {
+		t.Fatalf("different parent must not steal pending target: got %s err=%v", got, err)
+	}
+
+	beforeApprove, err := svc.ListSubCoinSellers(ctx, hostservice.ListSubCoinSellersCommand{
+		ParentUserID: 950,
+		Page:         1,
+		PageSize:     20,
+	})
+	if err != nil {
+		t.Fatalf("ListSubCoinSellers before approve failed: %v", err)
+	}
+	if beforeApprove.Total != 0 || len(beforeApprove.Items) != 0 {
+		t.Fatalf("pending application must not appear as active child: %+v", beforeApprove)
+	}
+
+	approved, err := svc.ReviewSubCoinSellerApplication(ctx, hostservice.ReviewSubCoinSellerApplicationInput{
+		CommandID:     "approve-sub-seller-951",
+		AdminUserID:   7,
+		ApplicationID: submitted.Application.ApplicationID,
+		Decision:      hostdomain.CoinSellerSubApplicationStatusApproved,
+		Reason:        "same region",
+	})
+	if err != nil {
+		t.Fatalf("approve sub seller application failed: %v", err)
+	}
+	if approved.Application.Status != hostdomain.CoinSellerSubApplicationStatusApproved ||
+		approved.Relation.ParentUserID != 950 ||
+		approved.Relation.ChildUserID != 951 ||
+		approved.Child.UserID != 951 {
+		t.Fatalf("approved facts mismatch: %+v", approved)
+	}
+
+	retriedApprove, err := svc.ReviewSubCoinSellerApplication(ctx, hostservice.ReviewSubCoinSellerApplicationInput{
+		CommandID:     "approve-sub-seller-951",
+		AdminUserID:   7,
+		ApplicationID: submitted.Application.ApplicationID,
+		Decision:      hostdomain.CoinSellerSubApplicationStatusApproved,
+	})
+	if err != nil {
+		t.Fatalf("retry approve sub seller application failed: %v", err)
+	}
+	if retriedApprove.Relation.RelationID != approved.Relation.RelationID {
+		t.Fatalf("approve retry must replay same relation: got %d want %d", retriedApprove.Relation.RelationID, approved.Relation.RelationID)
+	}
+
+	afterApprove, err := svc.ListSubCoinSellers(ctx, hostservice.ListSubCoinSellersCommand{
+		ParentUserID: 950,
+		Page:         1,
+		PageSize:     20,
+	})
+	if err != nil {
+		t.Fatalf("ListSubCoinSellers after approve failed: %v", err)
+	}
+	if afterApprove.Total != 1 || len(afterApprove.Items) != 1 || afterApprove.Items[0].UserID != 951 {
+		t.Fatalf("approved child must appear in active list: %+v", afterApprove)
+	}
+
+	rejectedSubmit, err := svc.SubmitSubCoinSellerApplication(ctx, hostservice.SubmitSubCoinSellerApplicationInput{
+		CommandID:    "submit-sub-seller-953",
+		ParentUserID: 950,
+		TargetUserID: 953,
+	})
+	if err != nil {
+		t.Fatalf("SubmitSubCoinSellerApplication for rejected case failed: %v", err)
+	}
+	rejected, err := svc.ReviewSubCoinSellerApplication(ctx, hostservice.ReviewSubCoinSellerApplicationInput{
+		CommandID:     "reject-sub-seller-953",
+		AdminUserID:   7,
+		ApplicationID: rejectedSubmit.Application.ApplicationID,
+		Decision:      hostdomain.CoinSellerSubApplicationStatusRejected,
+		Reason:        "manual reject",
+	})
+	if err != nil {
+		t.Fatalf("reject sub seller application failed: %v", err)
+	}
+	if rejected.Application.Status != hostdomain.CoinSellerSubApplicationStatusRejected || rejected.Relation.RelationID != 0 || rejected.Child.UserID != 0 {
+		t.Fatalf("rejected application must not create relation or child: %+v", rejected)
+	}
+}
+
 func TestGetUserRoleSummaryAggregatesRolesAndPendingInvitations(t *testing.T) {
 	ctx := context.Background()
 	repository := mysqltest.NewRepository(t)
--- a/services/user-service/internal/storage/mysql/host/coin_seller_sub_seller.go
+++ b/services/user-service/internal/storage/mysql/host/coin_seller_sub_seller.go
@ -11,111 +11,164 @@ import (
 	hostservice "hyapp/services/user-service/internal/service/host"
 )

-// CreateSubCoinSeller 直开或绑定直属子币商，并把“创建币商身份”和“创建直属关系”放进同一事务。
+// CreateSubCoinSeller 是历史直开入口；保留方法只为接口兼容，新关系只能由 ReviewSubCoinSellerApplication 审批通过后创建。
 func (r *Repository) CreateSubCoinSeller(ctx context.Context, command hostservice.CreateSubCoinSellerCommand) (hostdomain.CreateSubCoinSellerResult, error) {
+	return hostdomain.CreateSubCoinSellerResult{}, xerr.New(xerr.PermissionDenied, "sub coin seller invitation requires admin review")
+}
+
+// SubmitSubCoinSellerApplication 把父币商邀请写成待审申请；这里不创建 relation，避免 H5 绕过后台审核。
+func (r *Repository) SubmitSubCoinSellerApplication(ctx context.Context, command hostservice.SubmitSubCoinSellerApplicationCommand) (hostdomain.SubmitSubCoinSellerApplicationResult, error) {
 	tx, err := r.db.BeginTx(ctx, nil)
 	if err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, err
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
 	}
 	defer tx.Rollback()

 	if existing, ok, err := commandResult(ctx, tx, command.CommandID); err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, err
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
 	} else if ok {
-		if err := requireCommandResult(existing, hostdomain.CommandTypeCreateSubCoinSeller, hostdomain.ResultTypeCoinSellerRelation); err != nil {
-			return hostdomain.CreateSubCoinSellerResult{}, err
+		if err := requireCommandResult(existing, hostdomain.CommandTypeSubmitSubCoinSellerApplication, hostdomain.ResultTypeCoinSellerSubApplication); err != nil {
+			return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
 		}
-		relation, err := queryCoinSellerRelation(ctx, tx, "WHERE relation_id = ?", existing.ResultID)
+		application, err := queryCoinSellerSubApplication(ctx, tx, "WHERE application_id = ?", existing.ResultID)
 		if err != nil {
-			return hostdomain.CreateSubCoinSellerResult{}, err
+			return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
 		}
-		child, err := coinSellerListItemByUser(ctx, tx, relation.ChildUserID)
-		if err != nil {
-			return hostdomain.CreateSubCoinSellerResult{}, err
-		}
-		return hostdomain.CreateSubCoinSellerResult{Relation: relation, Child: child}, nil
+		return hostdomain.SubmitSubCoinSellerApplicationResult{Application: application}, nil
 	}

-	parentRegionID, parentProfile, err := r.requireActiveCoinSellerSubManager(ctx, tx, command.ParentUserID, true)
+	parentRegionID, _, err := r.requireActiveCoinSellerSubManager(ctx, tx, command.ParentUserID, true)
 	if err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, err
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
 	}
-	childRegionID, err := r.userRegion(ctx, tx, command.ChildUserID, "FOR UPDATE")
+	targetRegionID, err := r.userRegion(ctx, tx, command.TargetUserID, "FOR UPDATE")
 	if err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, err
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
 	}
-	if parentRegionID != childRegionID {
-		// 父子币商库存只允许在同区域内流转，避免跨区域库存转移绕过后台区域治理。
-		return hostdomain.CreateSubCoinSellerResult{}, xerr.New(xerr.RegionMismatch, "child region does not match parent region")
+	if parentRegionID != targetRegionID {
+		// 申请阶段就拦截跨区域目标，避免后台队列里出现必然无法转移库存的待办。
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, xerr.New(xerr.RegionMismatch, "target region does not match parent region")
 	}
-	if err := r.ensureCoinSellerRelationHasNoCycle(ctx, tx, command.ParentUserID, command.ChildUserID); err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, err
+	if err := r.ensureCoinSellerRelationHasNoCycle(ctx, tx, command.ParentUserID, command.TargetUserID); err != nil {
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
 	}
-	if existingParent, ok, err := queryActiveCoinSellerParent(ctx, tx, command.ChildUserID, true); err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, err
+	if existingParent, ok, err := queryActiveCoinSellerParent(ctx, tx, command.TargetUserID, true); err != nil {
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
 	} else if ok {
 		if existingParent.ParentUserID == command.ParentUserID {
-			return hostdomain.CreateSubCoinSellerResult{}, xerr.New(xerr.Conflict, "child coin seller relation already exists")
+			return hostdomain.SubmitSubCoinSellerApplicationResult{}, xerr.New(xerr.Conflict, "child coin seller relation already exists")
 		}
-		return hostdomain.CreateSubCoinSellerResult{}, xerr.New(xerr.Conflict, "child coin seller already has active parent")
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, xerr.New(xerr.Conflict, "target coin seller already has active parent")
+	}
+	if pending, ok, err := queryPendingCoinSellerSubApplicationByTarget(ctx, tx, command.TargetUserID, true); err != nil {
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
+	} else if ok {
+		if pending.ParentUserID != command.ParentUserID {
+			return hostdomain.SubmitSubCoinSellerApplicationResult{}, xerr.New(xerr.Conflict, "target coin seller already has pending application")
+		}
+		// 同一父子目标的重复提交归并到已有 pending，并为新的 command_id 写结果，移动端重试可稳定拿到同一申请。
+		if err := insertCommandResult(ctx, tx, hostdomain.CommandResult{CommandID: command.CommandID, CommandType: hostdomain.CommandTypeSubmitSubCoinSellerApplication, ResultType: hostdomain.ResultTypeCoinSellerSubApplication, ResultID: pending.ApplicationID, CreatedAtMs: command.NowMs}); err != nil {
+			return hostdomain.SubmitSubCoinSellerApplicationResult{}, mapHostDuplicateError(err)
+		}
+		if err := tx.Commit(); err != nil {
+			return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
+		}
+		return hostdomain.SubmitSubCoinSellerApplicationResult{Application: pending}, nil
 	}

-	childProfile, ok, err := queryCoinSellerProfileByUserMaybe(ctx, tx, command.ChildUserID, true)
-	if err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, err
+	application := hostdomain.CoinSellerSubApplication{
+		ApplicationID: command.ApplicationID,
+		CommandID:     command.CommandID,
+		ParentUserID:  command.ParentUserID,
+		TargetUserID:  command.TargetUserID,
+		Status:        hostdomain.CoinSellerSubApplicationStatusPending,
+		CreatedAtMs:   command.NowMs,
+		UpdatedAtMs:   command.NowMs,
 	}
-	profileCreated := false
-	if !ok {
-		// 搜索直开只补齐“从未是币商”的目标；被后台停用的币商不能被父币商从 H5 重新启用。
-		childProfile = hostdomain.CoinSellerProfile{
-			UserID:                  command.ChildUserID,
-			Status:                  hostdomain.CoinSellerStatusActive,
-			MerchantAssetType:       hostdomain.CoinSellerMerchantAssetType,
-			CanManageSubCoinSellers: true,
-			CreatedByUserID:         command.ParentUserID,
-			CreatedAtMs:             command.NowMs,
-			UpdatedAtMs:             command.NowMs,
-		}
-		if err := insertCoinSellerProfile(ctx, tx, childProfile); err != nil {
-			return hostdomain.CreateSubCoinSellerResult{}, mapHostDuplicateError(err)
-		}
-		profileCreated = true
-	} else if childProfile.Status != hostdomain.CoinSellerStatusActive || childProfile.MerchantAssetType != hostdomain.CoinSellerMerchantAssetType {
-		return hostdomain.CreateSubCoinSellerResult{}, xerr.New(xerr.PermissionDenied, "child coin seller is not active")
+	if err := insertCoinSellerSubApplication(ctx, tx, application); err != nil {
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, mapHostDuplicateError(err)
 	}
-
-	relation := hostdomain.CoinSellerSubRelation{
-		RelationID:      command.RelationID,
-		ParentUserID:    command.ParentUserID,
-		ChildUserID:     command.ChildUserID,
-		Status:          hostdomain.CoinSellerRelationStatusActive,
-		CreatedByUserID: parentProfile.UserID,
-		CreatedAtMs:     command.NowMs,
-		UpdatedAtMs:     command.NowMs,
-	}
-	if err := insertCoinSellerRelation(ctx, tx, relation); err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, mapHostDuplicateError(err)
-	}
-	if err := insertCommandResult(ctx, tx, hostdomain.CommandResult{CommandID: command.CommandID, CommandType: hostdomain.CommandTypeCreateSubCoinSeller, ResultType: hostdomain.ResultTypeCoinSellerRelation, ResultID: relation.RelationID, CreatedAtMs: command.NowMs}); err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, mapHostDuplicateError(err)
-	}
-	if profileCreated {
-		if err := insertHostOutbox(ctx, tx, command.EventID, "CoinSellerCreated", "coin_seller_profile", childProfile.UserID, command.NowMs); err != nil {
-			return hostdomain.CreateSubCoinSellerResult{}, err
-		}
-	}
-	if err := insertHostOutbox(ctx, tx, command.EventID+1, "CoinSellerSubRelationCreated", "coin_seller_relation", relation.RelationID, command.NowMs); err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, err
+	if err := insertCommandResult(ctx, tx, hostdomain.CommandResult{CommandID: command.CommandID, CommandType: hostdomain.CommandTypeSubmitSubCoinSellerApplication, ResultType: hostdomain.ResultTypeCoinSellerSubApplication, ResultID: application.ApplicationID, CreatedAtMs: command.NowMs}); err != nil {
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, mapHostDuplicateError(err)
 	}
 	if err := tx.Commit(); err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, err
+		return hostdomain.SubmitSubCoinSellerApplicationResult{}, err
+	}
+	return hostdomain.SubmitSubCoinSellerApplicationResult{Application: application}, nil
+}
+
+// ReviewSubCoinSellerApplication 审核 pending 申请；通过时在同一事务创建真实父子关系。
+func (r *Repository) ReviewSubCoinSellerApplication(ctx context.Context, command hostservice.ReviewSubCoinSellerApplicationCommand) (hostdomain.ReviewSubCoinSellerApplicationResult, error) {
+	tx, err := r.db.BeginTx(ctx, nil)
+	if err != nil {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+	}
+	defer tx.Rollback()
+
+	if existing, ok, err := commandResult(ctx, tx, command.CommandID); err != nil {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+	} else if ok {
+		if err := requireCommandResult(existing, hostdomain.CommandTypeReviewSubCoinSellerApplication, hostdomain.ResultTypeCoinSellerSubApplication); err != nil {
+			return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+		}
+		return r.coinSellerSubApplicationReviewResult(ctx, tx, existing.ResultID)
 	}

-	child, err := coinSellerListItemByUser(ctx, r.db, relation.ChildUserID)
+	application, err := queryCoinSellerSubApplication(ctx, tx, "WHERE application_id = ? FOR UPDATE", command.ApplicationID)
 	if err != nil {
-		return hostdomain.CreateSubCoinSellerResult{}, err
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
 	}
-	return hostdomain.CreateSubCoinSellerResult{Relation: relation, Child: child}, nil
+	if application.Status != hostdomain.CoinSellerSubApplicationStatusPending {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, xerr.New(xerr.Conflict, "coin seller sub application is already reviewed")
+	}
+
+	var relation hostdomain.CoinSellerSubRelation
+	var child hostdomain.CoinSellerListItem
+	var childProfile hostdomain.CoinSellerProfile
+	profileCreated := false
+	if command.Decision == hostdomain.CoinSellerSubApplicationStatusApproved {
+		relation, childProfile, profileCreated, err = r.createActiveSubCoinSellerRelation(ctx, tx, createActiveSubCoinSellerRelationCommand{
+			RelationID:   command.RelationID,
+			ParentUserID: application.ParentUserID,
+			ChildUserID:  application.TargetUserID,
+			NowMs:        command.NowMs,
+		})
+		if err != nil {
+			return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+		}
+		application.RelationID = relation.RelationID
+	}
+	application.Status = command.Decision
+	application.ReviewedByAdminID = command.AdminUserID
+	application.ReviewReason = command.Reason
+	application.ReviewedAtMs = command.NowMs
+	application.UpdatedAtMs = command.NowMs
+	if err := updateCoinSellerSubApplicationReview(ctx, tx, application); err != nil {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+	}
+	if err := insertCommandResult(ctx, tx, hostdomain.CommandResult{CommandID: command.CommandID, CommandType: hostdomain.CommandTypeReviewSubCoinSellerApplication, ResultType: hostdomain.ResultTypeCoinSellerSubApplication, ResultID: application.ApplicationID, CreatedAtMs: command.NowMs}); err != nil {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, mapHostDuplicateError(err)
+	}
+	if command.Decision == hostdomain.CoinSellerSubApplicationStatusApproved {
+		if profileCreated {
+			if err := insertHostOutbox(ctx, tx, command.EventID, "CoinSellerCreated", "coin_seller_profile", childProfile.UserID, command.NowMs); err != nil {
+				return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+			}
+		}
+		if err := insertHostOutbox(ctx, tx, command.EventID+1, "CoinSellerSubRelationCreated", "coin_seller_relation", relation.RelationID, command.NowMs); err != nil {
+			return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+		}
+	}
+	if err := tx.Commit(); err != nil {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+	}
+	if relation.RelationID > 0 {
+		child, err = coinSellerListItemByUser(ctx, r.db, relation.ChildUserID)
+		if err != nil {
+			return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+		}
+	}
+	return hostdomain.ReviewSubCoinSellerApplicationResult{Application: application, Relation: relation, Child: child}, nil
 }

 // ListSubCoinSellers 返回直属子币商列表；读取前仍校验父币商当前权限，避免权限关闭后继续泄漏团队列表。
@ -224,6 +277,77 @@ func (r *Repository) CheckCoinSellerSubRelation(ctx context.Context, command hos
 	return child, nil
 }

+type createActiveSubCoinSellerRelationCommand struct {
+	RelationID   int64
+	ParentUserID int64
+	ChildUserID  int64
+	NowMs        int64
+}
+
+func (r *Repository) createActiveSubCoinSellerRelation(ctx context.Context, tx *sql.Tx, command createActiveSubCoinSellerRelationCommand) (hostdomain.CoinSellerSubRelation, hostdomain.CoinSellerProfile, bool, error) {
+	parentRegionID, parentProfile, err := r.requireActiveCoinSellerSubManager(ctx, tx, command.ParentUserID, true)
+	if err != nil {
+		return hostdomain.CoinSellerSubRelation{}, hostdomain.CoinSellerProfile{}, false, err
+	}
+	childRegionID, err := r.userRegion(ctx, tx, command.ChildUserID, "FOR UPDATE")
+	if err != nil {
+		return hostdomain.CoinSellerSubRelation{}, hostdomain.CoinSellerProfile{}, false, err
+	}
+	if parentRegionID != childRegionID {
+		// 父子币商库存只允许在同区域内流转，审批时也必须按最新用户区域重新校验。
+		return hostdomain.CoinSellerSubRelation{}, hostdomain.CoinSellerProfile{}, false, xerr.New(xerr.RegionMismatch, "child region does not match parent region")
+	}
+	if err := r.ensureCoinSellerRelationHasNoCycle(ctx, tx, command.ParentUserID, command.ChildUserID); err != nil {
+		return hostdomain.CoinSellerSubRelation{}, hostdomain.CoinSellerProfile{}, false, err
+	}
+	if existingParent, ok, err := queryActiveCoinSellerParent(ctx, tx, command.ChildUserID, true); err != nil {
+		return hostdomain.CoinSellerSubRelation{}, hostdomain.CoinSellerProfile{}, false, err
+	} else if ok {
+		if existingParent.ParentUserID == command.ParentUserID {
+			return hostdomain.CoinSellerSubRelation{}, hostdomain.CoinSellerProfile{}, false, xerr.New(xerr.Conflict, "child coin seller relation already exists")
+		}
+		return hostdomain.CoinSellerSubRelation{}, hostdomain.CoinSellerProfile{}, false, xerr.New(xerr.Conflict, "child coin seller already has active parent")
+	}
+
+	childProfile, ok, err := queryCoinSellerProfileByUserMaybe(ctx, tx, command.ChildUserID, true)
+	if err != nil {
+		return hostdomain.CoinSellerSubRelation{}, hostdomain.CoinSellerProfile{}, false, err
+	}
+	profileCreated := false
+	if !ok {
+		// 审批通过只补齐“从未是币商”的目标；被后台停用的币商不能被申请流程重新启用。
+		childProfile = hostdomain.CoinSellerProfile{
+			UserID:                  command.ChildUserID,
+			Status:                  hostdomain.CoinSellerStatusActive,
+			MerchantAssetType:       hostdomain.CoinSellerMerchantAssetType,
+			CanManageSubCoinSellers: true,
+			CreatedByUserID:         command.ParentUserID,
+			CreatedAtMs:             command.NowMs,
+			UpdatedAtMs:             command.NowMs,
+		}
+		if err := insertCoinSellerProfile(ctx, tx, childProfile); err != nil {
+			return hostdomain.CoinSellerSubRelation{}, hostdomain.CoinSellerProfile{}, false, mapHostDuplicateError(err)
+		}
+		profileCreated = true
+	} else if childProfile.Status != hostdomain.CoinSellerStatusActive || childProfile.MerchantAssetType != hostdomain.CoinSellerMerchantAssetType {
+		return hostdomain.CoinSellerSubRelation{}, hostdomain.CoinSellerProfile{}, false, xerr.New(xerr.PermissionDenied, "child coin seller is not active")
+	}
+
+	relation := hostdomain.CoinSellerSubRelation{
+		RelationID:      command.RelationID,
+		ParentUserID:    command.ParentUserID,
+		ChildUserID:     command.ChildUserID,
+		Status:          hostdomain.CoinSellerRelationStatusActive,
+		CreatedByUserID: parentProfile.UserID,
+		CreatedAtMs:     command.NowMs,
+		UpdatedAtMs:     command.NowMs,
+	}
+	if err := insertCoinSellerRelation(ctx, tx, relation); err != nil {
+		return hostdomain.CoinSellerSubRelation{}, hostdomain.CoinSellerProfile{}, false, mapHostDuplicateError(err)
+	}
+	return relation, childProfile, profileCreated, nil
+}
+
 func (r *Repository) requireActiveCoinSellerSubManager(ctx context.Context, q sqlQueryer, userID int64, lock bool) (int64, hostdomain.CoinSellerProfile, error) {
 	lockClause := ""
 	if lock {
@ -337,6 +461,107 @@ func scanCoinSellerListItem(scanner rowScanner) (hostdomain.CoinSellerListItem,
 	return item, err
 }

+func insertCoinSellerSubApplication(ctx context.Context, tx *sql.Tx, application hostdomain.CoinSellerSubApplication) error {
+	_, err := tx.ExecContext(ctx, `
+		INSERT INTO coin_seller_sub_applications (
+			app_code, application_id, command_id, parent_user_id, target_user_id,
+			status, relation_id, reviewed_by_admin_id, review_reason, reviewed_at_ms,
+			created_at_ms, updated_at_ms
+		) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+	`, appcode.FromContext(ctx), application.ApplicationID, application.CommandID, application.ParentUserID, application.TargetUserID,
+		application.Status, application.RelationID, application.ReviewedByAdminID, application.ReviewReason, application.ReviewedAtMs,
+		application.CreatedAtMs, application.UpdatedAtMs)
+	return err
+}
+
+func updateCoinSellerSubApplicationReview(ctx context.Context, tx *sql.Tx, application hostdomain.CoinSellerSubApplication) error {
+	result, err := tx.ExecContext(ctx, `
+		UPDATE coin_seller_sub_applications
+		SET status = ?, relation_id = ?, reviewed_by_admin_id = ?, review_reason = ?,
+		    reviewed_at_ms = ?, updated_at_ms = ?
+		WHERE app_code = ? AND application_id = ? AND status = ?
+	`, application.Status, application.RelationID, application.ReviewedByAdminID, application.ReviewReason,
+		application.ReviewedAtMs, application.UpdatedAtMs, appcode.FromContext(ctx), application.ApplicationID,
+		hostdomain.CoinSellerSubApplicationStatusPending)
+	if err != nil {
+		return err
+	}
+	if affected, _ := result.RowsAffected(); affected == 0 {
+		return xerr.New(xerr.Conflict, "coin seller sub application is already reviewed")
+	}
+	return nil
+}
+
+func queryCoinSellerSubApplication(ctx context.Context, q sqlQueryer, clause string, args ...any) (hostdomain.CoinSellerSubApplication, error) {
+	clause, args = appScopedClause(ctx, clause, args...)
+	application, err := scanCoinSellerSubApplication(q.QueryRowContext(ctx, fmt.Sprintf(`
+		SELECT application_id, command_id, parent_user_id, target_user_id, status,
+		       relation_id, reviewed_by_admin_id, review_reason, reviewed_at_ms,
+		       created_at_ms, updated_at_ms
+		FROM coin_seller_sub_applications %s`, clause), args...))
+	if err == sql.ErrNoRows {
+		return hostdomain.CoinSellerSubApplication{}, xerr.New(xerr.NotFound, "coin seller sub application not found")
+	}
+	return application, err
+}
+
+func queryPendingCoinSellerSubApplicationByTarget(ctx context.Context, q sqlQueryer, targetUserID int64, lock bool) (hostdomain.CoinSellerSubApplication, bool, error) {
+	clause := "WHERE target_user_id = ? AND status = ?"
+	if lock {
+		clause += " FOR UPDATE"
+	}
+	clause, args := appScopedClause(ctx, clause, targetUserID, hostdomain.CoinSellerSubApplicationStatusPending)
+	application, err := scanCoinSellerSubApplication(q.QueryRowContext(ctx, fmt.Sprintf(`
+		SELECT application_id, command_id, parent_user_id, target_user_id, status,
+		       relation_id, reviewed_by_admin_id, review_reason, reviewed_at_ms,
+		       created_at_ms, updated_at_ms
+		FROM coin_seller_sub_applications %s`, clause), args...))
+	if err == sql.ErrNoRows {
+		return hostdomain.CoinSellerSubApplication{}, false, nil
+	}
+	if err != nil {
+		return hostdomain.CoinSellerSubApplication{}, false, err
+	}
+	return application, true, nil
+}
+
+func scanCoinSellerSubApplication(scanner rowScanner) (hostdomain.CoinSellerSubApplication, error) {
+	var application hostdomain.CoinSellerSubApplication
+	err := scanner.Scan(
+		&application.ApplicationID,
+		&application.CommandID,
+		&application.ParentUserID,
+		&application.TargetUserID,
+		&application.Status,
+		&application.RelationID,
+		&application.ReviewedByAdminID,
+		&application.ReviewReason,
+		&application.ReviewedAtMs,
+		&application.CreatedAtMs,
+		&application.UpdatedAtMs,
+	)
+	return application, err
+}
+
+func (r *Repository) coinSellerSubApplicationReviewResult(ctx context.Context, q sqlQueryer, applicationID int64) (hostdomain.ReviewSubCoinSellerApplicationResult, error) {
+	application, err := queryCoinSellerSubApplication(ctx, q, "WHERE application_id = ?", applicationID)
+	if err != nil {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+	}
+	if application.RelationID <= 0 {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{Application: application}, nil
+	}
+	relation, err := queryCoinSellerRelation(ctx, q, "WHERE relation_id = ?", application.RelationID)
+	if err != nil {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+	}
+	child, err := coinSellerListItemByUser(ctx, q, relation.ChildUserID)
+	if err != nil {
+		return hostdomain.ReviewSubCoinSellerApplicationResult{}, err
+	}
+	return hostdomain.ReviewSubCoinSellerApplicationResult{Application: application, Relation: relation, Child: child}, nil
+}
+
 func queryCoinSellerRelation(ctx context.Context, q sqlQueryer, clause string, args ...any) (hostdomain.CoinSellerSubRelation, error) {
 	clause, args = appScopedClause(ctx, clause, args...)
 	relation, err := scanCoinSellerRelation(q.QueryRowContext(ctx, fmt.Sprintf(`
--- a/services/user-service/internal/transport/grpc/convert.go
+++ b/services/user-service/internal/transport/grpc/convert.go
@ -514,6 +514,26 @@ func toProtoCoinSellerSubRelation(relation hostdomain.CoinSellerSubRelation) *us
 	}
 }

+// toProtoCoinSellerSubApplication 把子币商审核申请转换为内部 gRPC 投影。
+func toProtoCoinSellerSubApplication(application hostdomain.CoinSellerSubApplication) *userv1.CoinSellerSubApplication {
+	if application.ApplicationID == 0 {
+		return nil
+	}
+	return &userv1.CoinSellerSubApplication{
+		ApplicationId:     application.ApplicationID,
+		CommandId:         application.CommandID,
+		ParentUserId:      application.ParentUserID,
+		TargetUserId:      application.TargetUserID,
+		Status:            application.Status,
+		RelationId:        application.RelationID,
+		ReviewedByAdminId: application.ReviewedByAdminID,
+		ReviewReason:      application.ReviewReason,
+		ReviewedAtMs:      application.ReviewedAtMs,
+		CreatedAtMs:       application.CreatedAtMs,
+		UpdatedAtMs:       application.UpdatedAtMs,
+	}
+}
+
 // toProtoUserRoleSummary 把 host domain 入口显隐摘要转换为 gRPC 投影。
 func toProtoUserRoleSummary(summary hostdomain.UserRoleSummary) *userv1.UserRoleSummary {
 	if summary.UserID == 0 {
--- a/services/user-service/internal/transport/grpc/host.go
+++ b/services/user-service/internal/transport/grpc/host.go
@ -416,6 +416,26 @@ func (s *Server) CreateSubCoinSeller(ctx context.Context, req *userv1.CreateSubC
 	}, nil
 }

+// SubmitSubCoinSellerApplication 处理父币商邀请子币商申请；提交后等待后台审批，不立即创建关系。
+func (s *Server) SubmitSubCoinSellerApplication(ctx context.Context, req *userv1.SubmitSubCoinSellerApplicationRequest) (*userv1.SubmitSubCoinSellerApplicationResponse, error) {
+	if s.hostSvc == nil {
+		return nil, xerr.ToGRPCError(xerr.New(xerr.Unavailable, "host service is not configured"))
+	}
+	ctx = contextWithApp(ctx, req.GetMeta())
+	result, err := s.hostSvc.SubmitSubCoinSellerApplication(ctx, hostservice.SubmitSubCoinSellerApplicationInput{
+		CommandID:    req.GetCommandId(),
+		ParentUserID: req.GetParentUserId(),
+		TargetUserID: req.GetTargetUserId(),
+		RequestID:    req.GetMeta().GetRequestId(),
+	})
+	if err != nil {
+		return nil, xerr.ToGRPCError(err)
+	}
+	return &userv1.SubmitSubCoinSellerApplicationResponse{
+		Application: toProtoCoinSellerSubApplication(result.Application),
+	}, nil
+}
+
 // ListSubCoinSellers 返回父币商直属子币商分页列表。
 func (s *Server) ListSubCoinSellers(ctx context.Context, req *userv1.ListSubCoinSellersRequest) (*userv1.ListSubCoinSellersResponse, error) {
 	if s.hostSvc == nil {
--- a/services/user-service/internal/transport/grpc/host_admin.go
+++ b/services/user-service/internal/transport/grpc/host_admin.go
@ -110,6 +110,30 @@ func (s *Server) SetCoinSellerStatus(ctx context.Context, req *userv1.SetCoinSel
 	return &userv1.SetCoinSellerStatusResponse{CoinSellerProfile: toProtoCoinSellerProfile(profile)}, nil
 }

+// ReviewSubCoinSellerApplication 处理后台对子币商邀请申请的通过或拒绝。
+func (s *Server) ReviewSubCoinSellerApplication(ctx context.Context, req *userv1.ReviewSubCoinSellerApplicationRequest) (*userv1.ReviewSubCoinSellerApplicationResponse, error) {
+	if s.hostSvc == nil {
+		return nil, xerr.ToGRPCError(xerr.New(xerr.Unavailable, "host service is not configured"))
+	}
+	ctx = contextWithApp(ctx, req.GetMeta())
+	result, err := s.hostSvc.ReviewSubCoinSellerApplication(ctx, hostservice.ReviewSubCoinSellerApplicationInput{
+		CommandID:     req.GetCommandId(),
+		AdminUserID:   req.GetAdminUserId(),
+		ApplicationID: req.GetApplicationId(),
+		Decision:      req.GetDecision(),
+		Reason:        req.GetReason(),
+		RequestID:     req.GetMeta().GetRequestId(),
+	})
+	if err != nil {
+		return nil, xerr.ToGRPCError(err)
+	}
+	return &userv1.ReviewSubCoinSellerApplicationResponse{
+		Application: toProtoCoinSellerSubApplication(result.Application),
+		Relation:    toProtoCoinSellerSubRelation(result.Relation),
+		Child:       toProtoCoinSellerListItem(result.Child),
+	}, nil
+}
+
 // CreateAgency 处理后台直接创建 Agency，并返回 owner host/membership 事实。
 func (s *Server) CreateAgency(ctx context.Context, req *userv1.CreateAgencyRequest) (*userv1.CreateAgencyResponse, error) {
 	if s.hostSvc == nil {
--- a/services/wallet-service/internal/domain/ledger/recharge.go
+++ b/services/wallet-service/internal/domain/ledger/recharge.go
@ -234,6 +234,7 @@ type VerifyCoinSellerRechargeReceiptCommand struct {
 	OrderDateMS          int64
 	ProviderCountryCode  string
 	ProviderCurrencyCode string
+	ProviderAmountMinor  int64
 	ProviderPayType      string
 }

--- a/services/wallet-service/internal/service/wallet/external_recharge_receipt.go
+++ b/services/wallet-service/internal/service/wallet/external_recharge_receipt.go
@ -106,7 +106,8 @@ func fillMifaPayReceiptSnapshot(snapshot ledger.CoinSellerRechargeReceiptVerific
 	snapshot.Status = strings.TrimSpace(query.Status)
 	snapshot.CurrencyCode = strings.ToUpper(strings.TrimSpace(query.Currency))
 	snapshot.RawJSON = strings.TrimSpace(query.RawJSON)
-	if amount, err := strconv.ParseInt(strings.TrimSpace(query.Amount), 10, 64); err == nil {
+	amount, amountErr := parseMifaPayReceiptAmountMinor(query.Amount, snapshot.CurrencyCode)
+	if amountErr == nil {
 		snapshot.ProviderAmountMinor = amount
 	}
 	if query.OrderID != "" && !strings.EqualFold(query.OrderID, command.ExternalOrderNo) {
@ -121,6 +122,17 @@ func fillMifaPayReceiptSnapshot(snapshot ledger.CoinSellerRechargeReceiptVerific
 		snapshot.FailureReason = "mifapay currency mismatch"
 		return snapshot
 	}
+	if amountErr != nil || snapshot.ProviderAmountMinor <= 0 {
+		// MiFaPay 付款成功但金额字段缺失/坏值时，后台无法建立资金事实，必须失败而不是退化成只验订单号。
+		snapshot.FailureReason = "mifapay amount is invalid"
+		return snapshot
+	}
+	if command.ProviderAmountMinor > 0 {
+		if snapshot.ProviderAmountMinor != command.ProviderAmountMinor {
+			snapshot.FailureReason = "mifapay amount mismatch"
+			return snapshot
+		}
+	}
 	if command.ProviderPayType != "" && query.PayType != "" && !strings.EqualFold(query.PayType, command.ProviderPayType) {
 		snapshot.FailureReason = "mifapay pay_type mismatch"
 		return snapshot
@ -180,7 +192,8 @@ func fillV5PayReceiptSnapshot(snapshot ledger.CoinSellerRechargeReceiptVerificat
 	snapshot.Status = strings.TrimSpace(query.Status)
 	snapshot.CurrencyCode = strings.ToUpper(strings.TrimSpace(query.Currency))
 	snapshot.RawJSON = strings.TrimSpace(query.RawJSON)
-	if amount, err := parseProviderAmountMinor(query.Amount); err == nil {
+	amount, amountErr := parseProviderAmountMinor(query.Amount)
+	if amountErr == nil {
 		snapshot.ProviderAmountMinor = amount
 	}
 	if query.OrderID != "" && !strings.EqualFold(query.OrderID, command.ExternalOrderNo) {
@ -195,6 +208,17 @@ func fillV5PayReceiptSnapshot(snapshot ledger.CoinSellerRechargeReceiptVerificat
 		snapshot.FailureReason = "v5pay currency mismatch"
 		return snapshot
 	}
+	if amountErr != nil || snapshot.ProviderAmountMinor <= 0 {
+		// V5Pay 人工校验依赖回包金额建立付款事实；即使内部调用未传期望金额，坏金额也不能放行。
+		snapshot.FailureReason = "v5pay amount is invalid"
+		return snapshot
+	}
+	if command.ProviderAmountMinor > 0 {
+		if snapshot.ProviderAmountMinor != command.ProviderAmountMinor {
+			snapshot.FailureReason = "v5pay amount mismatch"
+			return snapshot
+		}
+	}
 	if command.ProviderPayType != "" && query.ProductType != "" && !strings.EqualFold(query.ProductType, command.ProviderPayType) {
 		snapshot.FailureReason = "v5pay product_type mismatch"
 		return snapshot
@ -203,6 +227,22 @@ func fillV5PayReceiptSnapshot(snapshot ledger.CoinSellerRechargeReceiptVerificat
 	return snapshot
 }

+func parseMifaPayReceiptAmountMinor(value string, currencyCode string) (int64, error) {
+	value = strings.TrimSpace(value)
+	if value == "" {
+		return 0, strconv.ErrSyntax
+	}
+	parsed, err := strconv.ParseInt(value, 10, 64)
+	if err != nil {
+		return 0, err
+	}
+	if mifaPayUsesWholeMajorAmount(currencyCode) {
+		// MiFaPay INR 查单回包沿用上游 contract：amount 是整数卢比主单位；本地快照仍统一存 minor。
+		return parsed * 100, nil
+	}
+	return parsed, nil
+}
+
 type v5PayReceiptQueryCandidate struct {
 	CountryCode  string
 	CurrencyCode string
--- a/services/wallet-service/internal/service/wallet/external_recharge_receipt_test.go
+++ b/services/wallet-service/internal/service/wallet/external_recharge_receipt_test.go
@ -31,6 +31,7 @@ func TestVerifyCoinSellerRechargeReceiptMifaPayReturnsPaidSnapshot(t *testing.T)
 		ExternalOrderNo:      "receipt-mifa-1",
 		OrderDateMS:          1767225600000,
 		ProviderCurrencyCode: "php",
+		ProviderAmountMinor:  125000,
 		ProviderPayType:      "gcash",
 	})
 	if err != nil {
@ -44,6 +45,117 @@ func TestVerifyCoinSellerRechargeReceiptMifaPayReturnsPaidSnapshot(t *testing.T)
 	}
 }

+func TestVerifyCoinSellerRechargeReceiptMifaPayRejectsAmountMismatch(t *testing.T) {
+	mifaPay := &fakeMifaPayClient{
+		queryResp: walletservice.MifaPayQueryOrderResponse{
+			OrderID:  "receipt-mifa-amount",
+			Status:   "1",
+			Amount:   "125000",
+			Currency: "PHP",
+			RawJSON:  `{"status":"1"}`,
+		},
+	}
+	svc := walletservice.New(nil)
+	svc.SetMifaPayClient(mifaPay)
+	receipt, err := svc.VerifyCoinSellerRechargeReceipt(context.Background(), ledger.VerifyCoinSellerRechargeReceiptCommand{
+		AppCode:              "lalu",
+		ProviderCode:         ledger.PaymentProviderMifaPay,
+		ExternalOrderNo:      "receipt-mifa-amount",
+		OrderDateMS:          1767225600000,
+		ProviderCurrencyCode: "PHP",
+		ProviderAmountMinor:  125001,
+	})
+	if err != nil {
+		t.Fatalf("VerifyCoinSellerRechargeReceipt mifapay amount mismatch failed: %v", err)
+	}
+	if receipt.Verified || receipt.FailureReason != "mifapay amount mismatch" {
+		t.Fatalf("mifapay amount mismatch should return failed snapshot, got %+v", receipt)
+	}
+}
+
+func TestVerifyCoinSellerRechargeReceiptMifaPayConvertsINRMajorAmount(t *testing.T) {
+	mifaPay := &fakeMifaPayClient{
+		queryResp: walletservice.MifaPayQueryOrderResponse{
+			OrderID:  "receipt-mifa-inr",
+			Status:   "1",
+			Amount:   "100",
+			Currency: "INR",
+			RawJSON:  `{"status":"1","amount":"100","currency":"INR"}`,
+		},
+	}
+	svc := walletservice.New(nil)
+	svc.SetMifaPayClient(mifaPay)
+	receipt, err := svc.VerifyCoinSellerRechargeReceipt(context.Background(), ledger.VerifyCoinSellerRechargeReceiptCommand{
+		AppCode:              "lalu",
+		ProviderCode:         ledger.PaymentProviderMifaPay,
+		ExternalOrderNo:      "receipt-mifa-inr",
+		OrderDateMS:          1767225600000,
+		ProviderCurrencyCode: "INR",
+		ProviderAmountMinor:  10000,
+	})
+	if err != nil {
+		t.Fatalf("VerifyCoinSellerRechargeReceipt mifapay INR failed: %v", err)
+	}
+	if !receipt.Verified || receipt.ProviderAmountMinor != 10000 {
+		t.Fatalf("mifapay INR whole-major amount should verify as local minor amount, got %+v", receipt)
+	}
+}
+
+func TestVerifyCoinSellerRechargeReceiptMifaPayRejectsInvalidAmountWhenExpected(t *testing.T) {
+	mifaPay := &fakeMifaPayClient{
+		queryResp: walletservice.MifaPayQueryOrderResponse{
+			OrderID:  "receipt-mifa-bad-amount",
+			Status:   "1",
+			Amount:   "bad",
+			Currency: "PHP",
+			RawJSON:  `{"status":"1","amount":"bad"}`,
+		},
+	}
+	svc := walletservice.New(nil)
+	svc.SetMifaPayClient(mifaPay)
+	receipt, err := svc.VerifyCoinSellerRechargeReceipt(context.Background(), ledger.VerifyCoinSellerRechargeReceiptCommand{
+		AppCode:              "lalu",
+		ProviderCode:         ledger.PaymentProviderMifaPay,
+		ExternalOrderNo:      "receipt-mifa-bad-amount",
+		OrderDateMS:          1767225600000,
+		ProviderCurrencyCode: "PHP",
+		ProviderAmountMinor:  125000,
+	})
+	if err != nil {
+		t.Fatalf("VerifyCoinSellerRechargeReceipt mifapay invalid amount failed: %v", err)
+	}
+	if receipt.Verified || receipt.FailureReason != "mifapay amount is invalid" {
+		t.Fatalf("mifapay invalid amount should return failed snapshot, got %+v", receipt)
+	}
+}
+
+func TestVerifyCoinSellerRechargeReceiptMifaPayRejectsInvalidAmountWithoutExpected(t *testing.T) {
+	mifaPay := &fakeMifaPayClient{
+		queryResp: walletservice.MifaPayQueryOrderResponse{
+			OrderID:  "receipt-mifa-empty-amount",
+			Status:   "1",
+			Amount:   "",
+			Currency: "PHP",
+			RawJSON:  `{"status":"1","amount":""}`,
+		},
+	}
+	svc := walletservice.New(nil)
+	svc.SetMifaPayClient(mifaPay)
+	receipt, err := svc.VerifyCoinSellerRechargeReceipt(context.Background(), ledger.VerifyCoinSellerRechargeReceiptCommand{
+		AppCode:              "lalu",
+		ProviderCode:         ledger.PaymentProviderMifaPay,
+		ExternalOrderNo:      "receipt-mifa-empty-amount",
+		OrderDateMS:          1767225600000,
+		ProviderCurrencyCode: "PHP",
+	})
+	if err != nil {
+		t.Fatalf("VerifyCoinSellerRechargeReceipt mifapay empty amount failed: %v", err)
+	}
+	if receipt.Verified || receipt.FailureReason != "mifapay amount is invalid" {
+		t.Fatalf("mifapay empty amount should return failed snapshot, got %+v", receipt)
+	}
+}
+
 func TestVerifyCoinSellerRechargeReceiptMifaPayWithoutDateUsesRecentLookup(t *testing.T) {
 	mifaPay := &fakeMifaPayClient{
 		querySeq: []fakeMifaPayQueryResult{
@ -133,6 +245,7 @@ func TestVerifyCoinSellerRechargeReceiptV5PayRejectsCurrencyMismatchWithoutWriti
 		ExternalOrderNo:      "receipt-v5-1",
 		ProviderCountryCode:  "TR",
 		ProviderCurrencyCode: "PHP",
+		ProviderAmountMinor:  4800,
 		ProviderPayType:      "BANK_TRANSFER",
 	})
 	if err != nil {
@ -146,6 +259,129 @@ func TestVerifyCoinSellerRechargeReceiptV5PayRejectsCurrencyMismatchWithoutWriti
 	}
 }

+func TestVerifyCoinSellerRechargeReceiptV5PayRejectsAmountMismatch(t *testing.T) {
+	v5Pay := &fakeV5PayClient{
+		queryResp: walletservice.V5PayQueryOrderResponse{
+			OrderID:         "receipt-v5-amount",
+			ProviderOrderID: "tx_receipt_v5_amount",
+			Status:          "2",
+			Amount:          "48.00",
+			Currency:        "TRY",
+			ProductType:     "BANK_TRANSFER",
+			RawJSON:         `{"status":"2"}`,
+		},
+	}
+	svc := walletservice.New(nil)
+	svc.SetV5PayClient(v5Pay)
+	receipt, err := svc.VerifyCoinSellerRechargeReceipt(context.Background(), ledger.VerifyCoinSellerRechargeReceiptCommand{
+		AppCode:              "lalu",
+		ProviderCode:         ledger.PaymentProviderV5Pay,
+		ExternalOrderNo:      "receipt-v5-amount",
+		ProviderCountryCode:  "TR",
+		ProviderCurrencyCode: "TRY",
+		ProviderAmountMinor:  4700,
+		ProviderPayType:      "BANK_TRANSFER",
+	})
+	if err != nil {
+		t.Fatalf("VerifyCoinSellerRechargeReceipt v5pay amount mismatch failed: %v", err)
+	}
+	if receipt.Verified || receipt.FailureReason != "v5pay amount mismatch" || receipt.ProviderAmountMinor != 4800 {
+		t.Fatalf("v5pay amount mismatch should return a failed snapshot, got %+v", receipt)
+	}
+}
+
+func TestVerifyCoinSellerRechargeReceiptV5PayRejectsInvalidAmountWhenExpected(t *testing.T) {
+	v5Pay := &fakeV5PayClient{
+		queryResp: walletservice.V5PayQueryOrderResponse{
+			OrderID:         "receipt-v5-bad-amount",
+			ProviderOrderID: "tx_receipt_v5_bad_amount",
+			Status:          "2",
+			Amount:          "bad",
+			Currency:        "TRY",
+			ProductType:     "BANK_TRANSFER",
+			RawJSON:         `{"status":"2","amount":"bad"}`,
+		},
+	}
+	svc := walletservice.New(nil)
+	svc.SetV5PayClient(v5Pay)
+	receipt, err := svc.VerifyCoinSellerRechargeReceipt(context.Background(), ledger.VerifyCoinSellerRechargeReceiptCommand{
+		AppCode:              "lalu",
+		ProviderCode:         ledger.PaymentProviderV5Pay,
+		ExternalOrderNo:      "receipt-v5-bad-amount",
+		ProviderCountryCode:  "TR",
+		ProviderCurrencyCode: "TRY",
+		ProviderAmountMinor:  4800,
+		ProviderPayType:      "BANK_TRANSFER",
+	})
+	if err != nil {
+		t.Fatalf("VerifyCoinSellerRechargeReceipt v5pay invalid amount failed: %v", err)
+	}
+	if receipt.Verified || receipt.FailureReason != "v5pay amount is invalid" {
+		t.Fatalf("v5pay invalid amount should return a failed snapshot, got %+v", receipt)
+	}
+}
+
+func TestVerifyCoinSellerRechargeReceiptV5PayRejectsInvalidAmountWithoutExpected(t *testing.T) {
+	v5Pay := &fakeV5PayClient{
+		queryResp: walletservice.V5PayQueryOrderResponse{
+			OrderID:         "receipt-v5-empty-amount",
+			ProviderOrderID: "tx_receipt_v5_empty_amount",
+			Status:          "2",
+			Amount:          "",
+			Currency:        "TRY",
+			ProductType:     "BANK_TRANSFER",
+			RawJSON:         `{"status":"2","amount":""}`,
+		},
+	}
+	svc := walletservice.New(nil)
+	svc.SetV5PayClient(v5Pay)
+	receipt, err := svc.VerifyCoinSellerRechargeReceipt(context.Background(), ledger.VerifyCoinSellerRechargeReceiptCommand{
+		AppCode:              "lalu",
+		ProviderCode:         ledger.PaymentProviderV5Pay,
+		ExternalOrderNo:      "receipt-v5-empty-amount",
+		ProviderCountryCode:  "TR",
+		ProviderCurrencyCode: "TRY",
+		ProviderPayType:      "BANK_TRANSFER",
+	})
+	if err != nil {
+		t.Fatalf("VerifyCoinSellerRechargeReceipt v5pay empty amount failed: %v", err)
+	}
+	if receipt.Verified || receipt.FailureReason != "v5pay amount is invalid" {
+		t.Fatalf("v5pay empty amount should return failed snapshot, got %+v", receipt)
+	}
+}
+
+func TestVerifyCoinSellerRechargeReceiptV5PayConvertsWholeMajorAmount(t *testing.T) {
+	v5Pay := &fakeV5PayClient{
+		queryResp: walletservice.V5PayQueryOrderResponse{
+			OrderID:         "receipt-v5-whole-major",
+			ProviderOrderID: "tx_receipt_v5_whole_major",
+			Status:          "2",
+			Amount:          "100",
+			Currency:        "TRY",
+			ProductType:     "BANK_TRANSFER",
+			RawJSON:         `{"status":"2","amount":"100"}`,
+		},
+	}
+	svc := walletservice.New(nil)
+	svc.SetV5PayClient(v5Pay)
+	receipt, err := svc.VerifyCoinSellerRechargeReceipt(context.Background(), ledger.VerifyCoinSellerRechargeReceiptCommand{
+		AppCode:              "lalu",
+		ProviderCode:         ledger.PaymentProviderV5Pay,
+		ExternalOrderNo:      "receipt-v5-whole-major",
+		ProviderCountryCode:  "TR",
+		ProviderCurrencyCode: "TRY",
+		ProviderAmountMinor:  10000,
+		ProviderPayType:      "BANK_TRANSFER",
+	})
+	if err != nil {
+		t.Fatalf("VerifyCoinSellerRechargeReceipt v5pay whole major amount failed: %v", err)
+	}
+	if !receipt.Verified || receipt.ProviderAmountMinor != 10000 {
+		t.Fatalf("v5pay whole major amount should verify as local minor amount, got %+v", receipt)
+	}
+}
+
 func TestVerifyCoinSellerRechargeReceiptV5PayWithoutCountryCurrencyUsesEnabledCandidates(t *testing.T) {
 	repository := &fakeReceiptRepository{channels: []ledger.ThirdPartyPaymentChannel{{
 		AppCode:      "lalu",
--- a/services/wallet-service/internal/transport/grpc/external_recharge.go
+++ b/services/wallet-service/internal/transport/grpc/external_recharge.go
@ -233,6 +233,7 @@ func (s *Server) VerifyCoinSellerRechargeReceipt(ctx context.Context, req *walle
 		OrderDateMS:          req.GetOrderDateMs(),
 		ProviderCountryCode:  req.GetProviderCountryCode(),
 		ProviderCurrencyCode: req.GetProviderCurrencyCode(),
+		ProviderAmountMinor:  req.GetProviderAmountMinor(),
 		ProviderPayType:      req.GetProviderPayType(),
 	})
 	if err != nil {