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 3abd40b0..915a20dc 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.NOT_TRANSFER_YOURSELF,
-          !Objects.equals(cmd.getAcceptUserId(), cmd.requiredReqUserId()));
+      ResponseAssert.isTrue(WalletErrorCode.TARGET_USER_NOT_RECHARGE_AGENCY, freight);
+      ResponseAssert.isTrue(WalletErrorCode.NOT_TRANSFER_YOURSELF, !Objects.equals(cmd.getAcceptUserId(), cmd.requiredReqUserId()));
 
       // 上锁
       String key = "UBWTransferGold:" + cmd.requiredReqUserId();
@@ -104,18 +104,13 @@ 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(),
@@ -123,7 +118,6 @@ 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 857bb013..9b91f4be 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
@@ -45,10 +45,9 @@ public class UserBankSearchUserProfileQryExe {
     }
 
     if (isTransfer(cmd)) {
-      if (Objects.equals(cmd.getReqUserId(), userProfile.getId())) {
-        return null;
-      }
-      return userProfile;
+       if (Objects.equals(cmd.getReqUserId(), userProfile.getId())) {
+         return null;
+       }
     }
 
     if (cmd.typeEqBD()) {
@@ -72,6 +71,9 @@ 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 5ed6488a..5cde4586 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.NOT_TRANSFER_YOURSELF,
-          !Objects.equals(cmd.getAcceptUserId(), cmd.requiredReqUserId()));
+      ResponseAssert.isTrue(WalletErrorCode.TARGET_USER_NOT_RECHARGE_AGENCY, freight);
+      ResponseAssert.isTrue(WalletErrorCode.NOT_TRANSFER_YOURSELF, !Objects.equals(cmd.getAcceptUserId(), cmd.requiredReqUserId()));
 
       // 上锁
       String key = "USTransferGold:" + cmd.requiredReqUserId();
@@ -96,18 +96,13 @@ 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);
 
-        if (freight) {
-          FreightBalance freightBalance = freightBalanceService.getFreightBalance(cmd.getAcceptUserId());
-          ResponseAssert.notNull(FreightErrorCode.NOT_FREIGHT, freightBalance);
+        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));