diff --git a/AGENTS.md b/AGENTS.md
index 22bcaf1..a6d784c 100644
--- a/AGENTS.md
+++ b/AGENTS.md
@@ -31,6 +31,7 @@ This version has breaking changes — APIs, conventions, and file structure may
 
 ## Learned User Preferences
 
+- 排障/上线评估时用 MCP（postgres）直查库验证数据与权限，勿仅凭代码推断生产态。
 - 占成/授信/回水/上限等数值字段用 `AdminNumericStepper`（± 步进 + 可手输），勿单独裸 `input[type=number]`。
 - 对外文档（接入 + 后台运营手册）禁用 RBAC slug（如 `prd.settlement.agent.manage`）；对客户称「贵司」；排版忌 AI 感，正文对比度与字号可读优先。
 - 文档 i18n：`useTranslation` 须显式 `ns`；`returnObjects` 列表用 `Array.isArray` 守卫；避免节名与表头 key 冲突（如 `billStatus`）。
diff --git a/package.json b/package.json
index fdacb8b..b8f67c7 100644
--- a/package.json
+++ b/package.json
@@ -3,7 +3,7 @@
   "version": "0.1.0",
   "private": true,
   "scripts": {
-    "dev": "next dev --port 3801",
+    "dev": "NEXT_DISABLE_MEM_OVERRIDE=1 NODE_OPTIONS='--max-old-space-size=3072' next dev --port 3801",
     "build": "next build",
     "start": "next start --port 3801",
     "lint": "eslint"
diff --git a/src/modules/agents/agents-console.tsx b/src/modules/agents/agents-console.tsx
index 48f6e09..cc04983 100644
--- a/src/modules/agents/agents-console.tsx
+++ b/src/modules/agents/agents-console.tsx
@@ -160,7 +160,10 @@ export function AgentsConsole(): React.ReactElement {
     isSuperAdmin ||
     adminHasAnyPermission(profile?.permissions, [PRD_USERS_MANAGE]);
   const [rootProfile, setRootProfile] = useState<AgentProfileRow | null>(null);
-  const selectedNodeIdFromUrl = Number.parseInt(searchParams.get("agent_node_id") ?? "", 10);
+  const selectedNodeIdFromUrl = Number.parseInt(
+    searchParams.get("agent_node_id") ?? searchParams.get("node") ?? "",
+    10,
+  );
 
   const resetProfileForm = (mode: "create" | "edit" = "create") => {
     setProfileShareRate("0");
@@ -417,14 +420,31 @@ export function AgentsConsole(): React.ReactElement {
   ]);
 
   useEffect(() => {
-    if (!Number.isInteger(selectedNodeIdFromUrl) || selectedNodeIdFromUrl <= 0) {
+    if (visibleAgentRows.length === 0) {
+      setSelectedNodeId(null);
       return;
     }
-    if (!flatNodes.some((node) => node.id === selectedNodeIdFromUrl)) {
-      return;
-    }
-    setSelectedNodeId(selectedNodeIdFromUrl);
-  }, [flatNodes, selectedNodeIdFromUrl]);
+
+    const urlId =
+      Number.isInteger(selectedNodeIdFromUrl) && selectedNodeIdFromUrl > 0
+        ? selectedNodeIdFromUrl
+        : null;
+    const urlValid =
+      urlId !== null && visibleAgentRows.some((row) => row.id === urlId);
+
+    setSelectedNodeId((current) => {
+      if (urlValid) {
+        return urlId;
+      }
+      if (
+        current !== null &&
+        visibleAgentRows.some((row) => row.id === current)
+      ) {
+        return current;
+      }
+      return visibleAgentRows[0]?.id ?? null;
+    });
+  }, [visibleAgentRows, selectedNodeIdFromUrl]);
 
   useAsyncEffect(() => {
     if (selectedNode === null) {
@@ -433,16 +453,34 @@ export function AgentsConsole(): React.ReactElement {
       return;
     }
 
+    const nodeId = selectedNode.id;
+    let cancelled = false;
     setSelectedProfileLoading(true);
-    void getAgentNodeProfile(selectedNode.id)
+
+    void getAgentNodeProfile(nodeId)
       .then((row) => {
+        if (cancelled) {
+          return;
+        }
         setSelectedProfile(row);
         if (!nodeDialogOpen) {
           applyProfileRowToForm(row);
         }
       })
-      .catch(() => setSelectedProfile(null))
-      .finally(() => setSelectedProfileLoading(false));
+      .catch(() => {
+        if (!cancelled) {
+          setSelectedProfile(null);
+        }
+      })
+      .finally(() => {
+        if (!cancelled) {
+          setSelectedProfileLoading(false);
+        }
+      });
+
+    return () => {
+      cancelled = true;
+    };
   }, [selectedNode?.id, nodeDialogOpen]);
 
   useAsyncEffect(() => {
@@ -532,17 +570,6 @@ export function AgentsConsole(): React.ReactElement {
     selectedProfileLoading,
   ]);
 
-  useAsyncEffect(() => {
-    if (visibleAgentRows.length === 0) {
-      setSelectedNodeId(null);
-      return;
-    }
-
-    if (selectedNodeId === null || !visibleAgentRows.some((row) => row.id === selectedNodeId)) {
-      setSelectedNodeId(visibleAgentRows[0]?.id ?? null);
-    }
-  }, [visibleAgentRows, selectedNodeId]);
-
   useEffect(() => {
     setDetailTab("overview");
   }, [selectedNodeId]);
diff --git a/src/modules/agents/agents-players-panel.tsx b/src/modules/agents/agents-players-panel.tsx
index 1e212a3..ff3c5fb 100644
--- a/src/modules/agents/agents-players-panel.tsx
+++ b/src/modules/agents/agents-players-panel.tsx
@@ -66,8 +66,9 @@ import {
   validateNativePlayerUsername,
 } from "@/lib/admin-input-validation";
 import { adminHasAnyPermission } from "@/lib/admin-permissions";
-import { PRD_USERS_MANAGE } from "@/lib/admin-prd";
+import { PRD_SETTLEMENT_AGENT_MANAGE, PRD_USERS_MANAGE } from "@/lib/admin-prd";
 import { isSiteAdminOperator } from "@/lib/admin-session-variants";
+import { settlementBillOperableByBoundAgent } from "@/modules/settlement/settlement-bill-operable";
 import { resolveRoleStatusTone } from "@/lib/admin-status-tone";
 import { useAdminProfile } from "@/stores/admin-session";
 import { LotteryApiBizError } from "@/types/api/errors";
@@ -182,6 +183,10 @@ export function AgentsPlayersPanel({
     (profileAllowsCreate &&
       adminHasAnyPermission(profile?.permissions, [PRD_USERS_MANAGE]));
   const canManagePlayerRows = canCreatePlayer;
+  const canOperateBills =
+    isSuperAdmin ||
+    adminHasAnyPermission(profile?.permissions, [PRD_SETTLEMENT_AGENT_MANAGE]);
+  const canFinanceAdjustments = canOperateBills && boundAgent === null;
 
   const effectiveAgentId = useMemo(() => {
     if (agentNodeId !== null) {
@@ -597,6 +602,10 @@ export function AgentsPlayersPanel({
     () => billingBills.find((bill) => bill.id === selectedBillId) ?? null,
     [billingBills, selectedBillId],
   );
+  const canOperateSelectedBill =
+    selectedBill !== null &&
+    canOperateBills &&
+    settlementBillOperableByBoundAgent(selectedBill, boundAgent);
   const billingCurrency = billingPlayer?.default_currency ?? "NPR";
 
   function resetBillingForm(): void {
@@ -1163,13 +1172,13 @@ export function AgentsPlayersPanel({
                       </div>
                     </div>
 
-                    {selectedBill.status === "pending_confirm" ? (
+                    {canOperateSelectedBill && selectedBill.status === "pending_confirm" ? (
                       <Button type="button" className="w-full" disabled={billingBusy || confirmBusy} onClick={requestConfirmBillAction}>
                         {t("agents:settlementBills.confirm", { defaultValue: "确认账单" })}
                       </Button>
                     ) : null}
 
-                    {selectedBill.status !== "pending_confirm" && Number(selectedBill.unpaid_amount ?? 0) > 0 ? (
+                    {canOperateSelectedBill && selectedBill.status !== "pending_confirm" && Number(selectedBill.unpaid_amount ?? 0) > 0 ? (
                       <div className="space-y-3">
                         <div className="space-y-1">
                           <Label>{t("agents:settlementBills.paymentAmount", { defaultValue: "收付金额" })}</Label>
@@ -1207,7 +1216,10 @@ export function AgentsPlayersPanel({
                           {t("agents:settlementBills.paid", { defaultValue: "登记收付" })}
                         </Button>
 
-                        {boundAgent === null ? (
+                        {canFinanceAdjustments &&
+                        ["confirmed", "partial_paid", "overdue"].includes(selectedBill.status) &&
+                        Number(selectedBill.unpaid_amount ?? 0) > 0 &&
+                        !["adjustment", "reversal", "bad_debt"].includes(selectedBill.bill_type) ? (
                           <>
                         <div className="space-y-1 pt-2">
                           <Label>{t("agents:settlementBills.badDebtReason", { defaultValue: "核销原因" })}</Label>