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..80acc04a 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
@@ -89,20 +89,20 @@ public class UserBankTransferGoldCmdExe {
 
       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()));
 
       // 上锁
       String key = "UBWTransferGold:" + cmd.requiredReqUserId();
       ResponseAssert.isTrue(CommonErrorCode.REQUEST_LIMITING, redisService.lock(key, 60));
 
-      BigDecimal balance = userBankBalanceService.getBalance(cmd.requiredReqUserId())
-          .getAccurateBalance();
+      try {
+        BigDecimal balance = userBankBalanceService.getBalance(cmd.requiredReqUserId())
+            .getAccurateBalance();
 
-      ResponseAssert.isTrue(WalletErrorCode.INSUFFICIENT_BALANCE,
-          ArithmeticUtils.gte(balance, cmd.getAmount()));
+        ResponseAssert.isTrue(WalletErrorCode.INSUFFICIENT_BALANCE,
+            ArithmeticUtils.gte(balance, cmd.getAmount()));
 
-      // 获得区域兑换比例金币比例
-      Double goldRatio = getExchangeGoldRatio(cmd);
+        // 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);
 
@@ -112,39 +112,41 @@ public class UserBankTransferGoldCmdExe {
         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(),
-          PennyAmount.ofDollar(cmd.getAmount()));
-      ResponseAssert.notNull(WalletErrorCode.INSUFFICIENT_BALANCE, decrUserBankBalanceDTO);
+        // 扣钱
+        BankBalanceDTO decrUserBankBalanceDTO = userBankBalanceService.decr(cmd.requiredReqUserId(),
+            PennyAmount.ofDollar(cmd.getAmount()));
+        ResponseAssert.notNull(WalletErrorCode.INSUFFICIENT_BALANCE, decrUserBankBalanceDTO);
 
-      Long bankRunWaterId = IdWorkerUtils.getId();
+        Long bankRunWaterId = IdWorkerUtils.getId();
 
-      // 银行卡流水
-      userBankRunningWaterService.add(
-          new UserBankRunningWater()
-              .setId(bankRunWaterId)
-              .setUserId(cmd.requiredReqUserId())
-              .setSysOrigin(cmd.requireReqSysOrigin())
-              .setType(ReceiptType.EXPENDITURE.getType())
-              .setAmount(cmd.getAmount())
-              .setEvent(UserBankWaterEvent.TRANSFER_GOLD.name())
-              .setEventDescribe(UserBankWaterEvent.TRANSFER_GOLD.getDescribe())
-              .setRemark("Withdrawal transfer")
-              .setTrackId(Objects.toString(cmd.getAcceptUserId()))
-              .setBalance(decrUserBankBalanceDTO.getAccurateBalance())
-              .setCreateTime(TimestampUtils.now())
-              .setUpdateTime(TimestampUtils.now())
-              .setCreateUser(cmd.getReqUserId())
-              .setCreateUserOrigin(OpUserType.APP.getType())
-      );
+        // 银行卡流水
+        userBankRunningWaterService.add(
+            new UserBankRunningWater()
+                .setId(bankRunWaterId)
+                .setUserId(cmd.requiredReqUserId())
+                .setSysOrigin(cmd.requireReqSysOrigin())
+                .setType(ReceiptType.EXPENDITURE.getType())
+                .setAmount(cmd.getAmount())
+                .setEvent(UserBankWaterEvent.TRANSFER_GOLD.name())
+                .setEventDescribe(UserBankWaterEvent.TRANSFER_GOLD.getDescribe())
+                .setRemark("Withdrawal transfer")
+                .setTrackId(Objects.toString(cmd.getAcceptUserId()))
+                .setBalance(decrUserBankBalanceDTO.getAccurateBalance())
+                .setCreateTime(TimestampUtils.now())
+                .setUpdateTime(TimestampUtils.now())
+                .setCreateUser(cmd.getReqUserId())
+                .setCreateUserOrigin(OpUserType.APP.getType())
+        );
 
-      // 发送金额
-      sendGold(cmd, freight, goldQuantity, bankRunWaterId, "转账金币");
+        // 发送金额
+        sendGold(cmd, freight, goldQuantity, bankRunWaterId, "转账金币");
 
-      redisService.unlock(key);
-      return new UserBankWithdrawResultCO()
-          .setBankBalance(decrUserBankBalanceDTO.getAccurateBalance())
-          .setWithdrawAmount(Objects.toString(cmd.getAmount()));
+        return new UserBankWithdrawResultCO()
+            .setBankBalance(decrUserBankBalanceDTO.getAccurateBalance())
+            .setWithdrawAmount(Objects.toString(cmd.getAmount()));
+      } finally {
+        redisService.unlock(key);
+      }
     }
 
   private void sendGold(UserBankWithdrawTransferCmd cmd, boolean freight, BigDecimal goldQuantity,
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..deff24af 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
@@ -44,10 +44,12 @@ public class UserBankSearchUserProfileQryExe {
       return null;
     }
 
-    if (isTransfer(cmd)) {
-       if (Objects.equals(cmd.getReqUserId(), userProfile.getId())) {
-         return null;
-       }
+    boolean transfer = isTransfer(cmd);
+    boolean sameUser = Objects.equals(cmd.getReqUserId(), userProfile.getId());
+    boolean freightAgent = cmd.typeEqAgent()
+        && Boolean.TRUE.equals(freightBalanceService.checkFreightAgent(userProfile.getId()));
+    if (transfer && sameUser && !freightAgent) {
+      return null;
     }
 
     if (cmd.typeEqBD()) {
@@ -67,12 +69,11 @@ public class UserBankSearchUserProfileQryExe {
     }
 
     if (cmd.typeEqAgent()) {
-      Boolean freightAgent = freightBalanceService.checkFreightAgent(userProfile.getId());
       if (freightAgent) {
         return userProfile;
       }
-      if (isTransfer(cmd)) {
-          return null;
+      if (transfer) {
+        return null;
       }
 
       return Objects.equals(
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..6d3d8a8f 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
@@ -81,19 +81,19 @@ public class SalaryTransferGoldCmdExe {
 
       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()));
 
       // 上锁
       String key = "USTransferGold:" + cmd.requiredReqUserId();
       ResponseAssert.isTrue(CommonErrorCode.REQUEST_LIMITING, redisService.lock(key, 60));
 
-      BigDecimal balance = salaryAccountGateway.getAvailableBalance(cmd.getReqUserId(), SalaryType.of(cmd.getSalaryType())).getDollarAmount();
+      try {
+        BigDecimal balance = salaryAccountGateway.getAvailableBalance(cmd.getReqUserId(), SalaryType.of(cmd.getSalaryType())).getDollarAmount();
 
-      ResponseAssert.isTrue(WalletErrorCode.INSUFFICIENT_BALANCE,
-          ArithmeticUtils.gte(balance, cmd.getAmount()));
+        ResponseAssert.isTrue(WalletErrorCode.INSUFFICIENT_BALANCE,
+            ArithmeticUtils.gte(balance, cmd.getAmount()));
 
-      // 获得区域兑换比例金币比例
-      Double goldRatio = getExchangeGoldRatio(cmd);
+        // 获得区域兑换比例金币比例
+        Double goldRatio = getExchangeGoldRatio(cmd);
         Long bankRunWaterId = IdWorkerUtils.getId();
 
         BigDecimal goldQuantity = BigDecimal.valueOf(goldRatio).multiply(cmd.getAmount()).setScale(0, RoundingMode.DOWN);
@@ -104,19 +104,21 @@ public class SalaryTransferGoldCmdExe {
         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));
-      SalaryReceipt receipt = salaryAccountConvertor.toTransferReceipt(cmd);
-      SalaryReceiptRes salaryReceiptRes = salaryAccountGateway.changeBalance(receipt);
-      ResponseAssert.notNull(WalletErrorCode.INSUFFICIENT_BALANCE, salaryReceiptRes);
+        // 扣钱
+        cmd.setReqTraceId(String.valueOf(bankRunWaterId));
+        SalaryReceipt receipt = salaryAccountConvertor.toTransferReceipt(cmd);
+        SalaryReceiptRes salaryReceiptRes = salaryAccountGateway.changeBalance(receipt);
+        ResponseAssert.notNull(WalletErrorCode.INSUFFICIENT_BALANCE, salaryReceiptRes);
 
-      // 发送金额
-      sendGold(cmd, freight, goldQuantity, bankRunWaterId, "转账金币");
+        // 发送金额
+        sendGold(cmd, freight, goldQuantity, bankRunWaterId, "转账金币");
 
-      redisService.unlock(key);
-      return new UserBankWithdrawResultCO()
-          .setBankBalance(salaryReceiptRes.getAvailableBalance().getDollarAmount())
-          .setWithdrawAmount(Objects.toString(cmd.getAmount()));
+        return new UserBankWithdrawResultCO()
+            .setBankBalance(salaryReceiptRes.getAvailableBalance().getDollarAmount())
+            .setWithdrawAmount(Objects.toString(cmd.getAmount()));
+      } finally {
+        redisService.unlock(key);
+      }
     }
 
   private void sendGold(SalaryWithdrawCmd cmd, boolean freight, BigDecimal goldQuantity,