diff --git a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java
index 915a20dc..3abd40b0 100644
--- a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java
+++ b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java
@@ -88,8 +88,8 @@ public class UserBankTransferGoldCmdExe {
           ArithmeticUtils.gtZero(cmd.getAmount()));
 
       boolean freight = freightBalanceService.existsBalance(cmd.getAcceptUserId());
-      ResponseAssert.isTrue(WalletErrorCode.TARGET_USER_NOT_RECHARGE_AGENCY, freight);
-      ResponseAssert.isTrue(WalletErrorCode.NOT_TRANSFER_YOURSELF, !Objects.equals(cmd.getAcceptUserId(), cmd.requiredReqUserId()));
+      ResponseAssert.isTrue(WalletErrorCode.NOT_TRANSFER_YOURSELF,
+          !Objects.equals(cmd.getAcceptUserId(), cmd.requiredReqUserId()));
 
       // 上锁
       String key = "UBWTransferGold:" + cmd.requiredReqUserId();
@@ -104,13 +104,18 @@ public class UserBankTransferGoldCmdExe {
       // 获得区域兑换比例金币比例
       Double goldRatio = getExchangeGoldRatio(cmd);
 
-        BigDecimal goldQuantity = BigDecimal.valueOf(goldRatio).multiply(cmd.getAmount()).setScale(0, RoundingMode.DOWN);
+      BigDecimal goldQuantity = BigDecimal.valueOf(goldRatio).multiply(cmd.getAmount())
+          .setScale(0, RoundingMode.DOWN);
 
+      if (freight) {
         FreightBalance freightBalance = freightBalanceService.getFreightBalance(cmd.getAcceptUserId());
         ResponseAssert.notNull(FreightErrorCode.NOT_FREIGHT, freightBalance);
 
-        long result = goldQuantity.divide(new BigDecimal(10000), RoundingMode.DOWN).setScale(0, RoundingMode.DOWN).longValue();
-        ResponseAssert.isTrue(FreightErrorCode.NOT_THRESHOLD, result >= Optional.ofNullable(freightBalance.getDeliveryThreshold()).orElse(0));
+        long result = goldQuantity.divide(new BigDecimal(10000), RoundingMode.DOWN)
+            .setScale(0, RoundingMode.DOWN).longValue();
+        ResponseAssert.isTrue(FreightErrorCode.NOT_THRESHOLD,
+            result >= Optional.ofNullable(freightBalance.getDeliveryThreshold()).orElse(0));
+      }
 
       // 扣钱
       BankBalanceDTO decrUserBankBalanceDTO = userBankBalanceService.decr(cmd.requiredReqUserId(),
@@ -118,6 +123,7 @@ public class UserBankTransferGoldCmdExe {
       ResponseAssert.notNull(WalletErrorCode.INSUFFICIENT_BALANCE, decrUserBankBalanceDTO);
 
       Long bankRunWaterId = IdWorkerUtils.getId();
+      cmd.setReqTraceId(String.valueOf(bankRunWaterId));
 
       // 银行卡流水
       userBankRunningWaterService.add(
diff --git a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/query/UserBankSearchUserProfileQryExe.java b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/query/UserBankSearchUserProfileQryExe.java
index 9b91f4be..857bb013 100644
--- a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/query/UserBankSearchUserProfileQryExe.java
+++ b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/query/UserBankSearchUserProfileQryExe.java
@@ -45,9 +45,10 @@ public class UserBankSearchUserProfileQryExe {
     }
 
     if (isTransfer(cmd)) {
-       if (Objects.equals(cmd.getReqUserId(), userProfile.getId())) {
-         return null;
-       }
+      if (Objects.equals(cmd.getReqUserId(), userProfile.getId())) {
+        return null;
+      }
+      return userProfile;
     }
 
     if (cmd.typeEqBD()) {
@@ -71,9 +72,6 @@ public class UserBankSearchUserProfileQryExe {
       if (freightAgent) {
         return userProfile;
       }
-      if (isTransfer(cmd)) {
-          return null;
-      }
 
       return Objects.equals(
           ResponseAssert.requiredSuccess(agentTeamClient.existsTeamOwn(userProfile.getId())),
diff --git a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/salary/SalaryTransferGoldCmdExe.java b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/salary/SalaryTransferGoldCmdExe.java
index 5cde4586..5ed6488a 100644
--- a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/salary/SalaryTransferGoldCmdExe.java
+++ b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/salary/SalaryTransferGoldCmdExe.java
@@ -80,8 +80,8 @@ public class SalaryTransferGoldCmdExe {
           ArithmeticUtils.gtZero(cmd.getAmount()));
 
       boolean freight = freightBalanceService.existsBalance(cmd.getAcceptUserId());
-      ResponseAssert.isTrue(WalletErrorCode.TARGET_USER_NOT_RECHARGE_AGENCY, freight);
-      ResponseAssert.isTrue(WalletErrorCode.NOT_TRANSFER_YOURSELF, !Objects.equals(cmd.getAcceptUserId(), cmd.requiredReqUserId()));
+      ResponseAssert.isTrue(WalletErrorCode.NOT_TRANSFER_YOURSELF,
+          !Objects.equals(cmd.getAcceptUserId(), cmd.requiredReqUserId()));
 
       // 上锁
       String key = "USTransferGold:" + cmd.requiredReqUserId();
@@ -96,13 +96,18 @@ public class SalaryTransferGoldCmdExe {
       Double goldRatio = getExchangeGoldRatio(cmd);
         Long bankRunWaterId = IdWorkerUtils.getId();
 
-        BigDecimal goldQuantity = BigDecimal.valueOf(goldRatio).multiply(cmd.getAmount()).setScale(0, RoundingMode.DOWN);
+        BigDecimal goldQuantity = BigDecimal.valueOf(goldRatio).multiply(cmd.getAmount())
+            .setScale(0, RoundingMode.DOWN);
 
-        FreightBalance freightBalance = freightBalanceService.getFreightBalance(cmd.getAcceptUserId());
-        ResponseAssert.notNull(FreightErrorCode.NOT_FREIGHT, freightBalance);
+        if (freight) {
+          FreightBalance freightBalance = freightBalanceService.getFreightBalance(cmd.getAcceptUserId());
+          ResponseAssert.notNull(FreightErrorCode.NOT_FREIGHT, freightBalance);
 
-        long result = goldQuantity.divide(new BigDecimal(10000), RoundingMode.DOWN).setScale(0, RoundingMode.DOWN).longValue();
-        ResponseAssert.isTrue(FreightErrorCode.NOT_THRESHOLD, result >= Optional.ofNullable(freightBalance.getDeliveryThreshold()).orElse(0));
+          long result = goldQuantity.divide(new BigDecimal(10000), RoundingMode.DOWN)
+              .setScale(0, RoundingMode.DOWN).longValue();
+          ResponseAssert.isTrue(FreightErrorCode.NOT_THRESHOLD,
+              result >= Optional.ofNullable(freightBalance.getDeliveryThreshold()).orElse(0));
+        }
 
       // 扣钱
       cmd.setReqTraceId(String.valueOf(bankRunWaterId));