diff --git a/src/features/wallet/wallet-logs-block.tsx b/src/features/wallet/wallet-logs-block.tsx
index 9e8b209..4a8a39e 100644
--- a/src/features/wallet/wallet-logs-block.tsx
+++ b/src/features/wallet/wallet-logs-block.tsx
@@ -24,7 +24,8 @@ export const WALLET_FLOW_FILTERS: { value: string; labelKey: string }[] = [
 export const CREDIT_FLOW_FILTERS: { value: string; labelKey: string }[] = [
   { value: "", labelKey: "wallet.creditFlow.all" },
   { value: "bet", labelKey: "wallet.creditFlow.bet" },
-  { value: "credit_release", labelKey: "wallet.creditFlow.credit_release" },
+  { value: "game_settlement", labelKey: "wallet.creditFlow.game_settlement" },
+  { value: "rebate", labelKey: "wallet.creditFlow.rebate" },
   { value: "bill_settlement", labelKey: "wallet.creditFlow.bill_settlement" },
 ];
 
@@ -37,7 +38,9 @@ const FLOW_LABEL_FALLBACKS: Record<string, string> = {
   "wallet.flow.refund": "退款",
   "wallet.flow.reversal": "冲正",
   "wallet.creditFlow.all": "全部",
-  "wallet.creditFlow.bet": "占用额度",
+  "wallet.creditFlow.bet": "下注冻结",
+  "wallet.creditFlow.game_settlement": "开奖结算",
+  "wallet.creditFlow.rebate": "账期回水",
   "wallet.creditFlow.credit_release": "释额",
   "wallet.creditFlow.bill_settlement": "账期收付",
   "wallet.creditFlow.win_credit": "中奖释额",
@@ -59,7 +62,14 @@ function txnStatusLabel(
   status: string,
   t: (key: string, options?: { defaultValue?: string }) => string,
 ): string {
-  return t(`wallet.txnStatus.${status}`, { defaultValue: status });
+  const fallback: Record<string, string> = {
+    accrued: "已计提",
+    in_bill: "已入账单",
+    settled: "已结清",
+    reversed: "已冲正",
+  };
+
+  return t(`wallet.txnStatus.${status}`, { defaultValue: fallback[status] ?? status });
 }
 
 type WalletLogsBlockProps = {
@@ -125,6 +135,7 @@ export function WalletLogsBlock({
                     ? "h-8 rounded-full bg-[#07459f] px-3 text-xs font-bold text-white hover:bg-[#063b88]"
                     : "h-8 rounded-full border-[#dce7f7] bg-white px-3 text-xs font-bold text-[#32518d] hover:bg-[#f8fbff]"
                 }
+                disabled={logsLoading && filter === f.value}
                 onClick={() => onFilterChange(f.value)}
               >
                 {f.label}
@@ -142,7 +153,7 @@ export function WalletLogsBlock({
             <p className="text-xs text-muted-foreground">
               {t("wallet.totalRecords", { total: logs.total })}
             </p>
-            <ul className="space-y-2">
+            <ul className={logsLoading ? "space-y-2 opacity-60" : "space-y-2"}>
               {logs.items.length === 0 ? (
                 <li className="rounded-lg border border-dashed py-8 text-center text-sm text-muted-foreground">
                   {t(creditMode ? "wallet.emptyCreditLogs" : "wallet.emptyLogs", {
diff --git a/src/features/wallet/wallet-screen.tsx b/src/features/wallet/wallet-screen.tsx
index 2c2192a..39801f6 100644
--- a/src/features/wallet/wallet-screen.tsx
+++ b/src/features/wallet/wallet-screen.tsx
@@ -24,14 +24,31 @@ import { formatWalletClientError } from "@/lib/wallet-api-error";
 import { usePlayerSessionStore } from "@/stores/player-session-store";
 import type { WalletBalanceData } from "@/types/api/wallet-balance";
 import { getWalletLogsLastPage, type WalletLogsData } from "@/types/api/wallet-logs";
+import type { PlayerMeData } from "@/types/api/player-me";
 
 const WALLET_LOGS_PAGE_SIZE = 10;
+type FundingModeView = "credit" | "wallet" | "unknown";
 
 function scrollToWalletSection(id: string): void {
   if (typeof document === "undefined") return;
   document.getElementById(id)?.scrollIntoView({ behavior: "smooth", block: "start" });
 }
 
+function resolveFundingModeView(
+  balance: WalletBalanceData | null,
+  profile: PlayerMeData | null,
+): FundingModeView {
+  if (isCreditFundingPlayer(balance) || isCreditFundingPlayer(profile)) {
+    return "credit";
+  }
+
+  if (balance?.funding_mode === "wallet" || profile?.funding_mode === "wallet") {
+    return "wallet";
+  }
+
+  return "unknown";
+}
+
 export function WalletScreen() {
   const router = useRouter();
   const searchParams = useSearchParams();
@@ -54,7 +71,9 @@ export function WalletScreen() {
   const sectionDeepLinkHandledRef = useRef(false);
 
   const profile = usePlayerSessionStore((s) => s.profile);
-  const isCreditPlayer = isCreditFundingPlayer(balance) || isCreditFundingPlayer(profile);
+  const fundingModeView = resolveFundingModeView(balance, profile);
+  const fundingModeKnown = fundingModeView !== "unknown";
+  const isCreditPlayer = fundingModeView === "credit";
 
   useEffect(() => {
     if (actionDeepLinkHandledRef.current || loading) return;
@@ -181,6 +200,16 @@ export function WalletScreen() {
     };
   }, [currency, filter, t]);
 
+  const handleFilterChange = useCallback((value: string) => {
+    if (value === filter) {
+      return;
+    }
+
+    setLogs(null);
+    setLogsLoading(true);
+    setFilter(value);
+  }, [filter]);
+
   const refreshAll = useCallback(async () => {
     setError(null);
     setLogsLoading(true);
@@ -210,6 +239,11 @@ export function WalletScreen() {
   const displayMinor = isCreditPlayer
     ? Number(balance?.available_balance ?? 0)
     : Number(balance?.balance ?? 0);
+  const panelTitle = !fundingModeKnown
+    ? t("wallet.loadingTitle", { defaultValue: "账户资金" })
+    : isCreditPlayer
+      ? t("wallet.creditTitle", { defaultValue: "信用" })
+      : t("wallet.title");
 
   const loadMore = useCallback(() => {
     if (!logs || !hasMore || loadingMore) return;
@@ -243,9 +277,7 @@ export function WalletScreen() {
   }, [hasMore, loadMore, loading, loadingMore, logsLoading]);
 
   return (
-    <PlayerPanel
-      title={isCreditPlayer ? t("wallet.creditTitle", { defaultValue: "信用" }) : t("wallet.title")}
-    >
+    <PlayerPanel title={panelTitle}>
       <div className="space-y-3">
         {error ? (
           <div className="rounded-xl border border-red-200 bg-red-50 px-3 py-3 text-sm text-red-700">
@@ -274,11 +306,13 @@ export function WalletScreen() {
             </div>
             <div className="min-w-0 flex-1">
               <p className="text-sm font-semibold text-white/90">
-                {isCreditPlayer
+                {fundingModeKnown && isCreditPlayer
                   ? t("wallet.creditAvailable", { defaultValue: "可用信用" })
-                  : t("wallet.balance")}
+                  : fundingModeKnown
+                    ? t("wallet.balance")
+                    : t("wallet.loadingBalance", { defaultValue: "正在加载" })}
               </p>
-              {loading ? (
+              {loading || !fundingModeKnown ? (
                 <Skeleton className="mt-2 h-8 w-44 rounded-md bg-white/25" />
               ) : (
                 <PlayerMoneyDisplay
@@ -288,21 +322,23 @@ export function WalletScreen() {
                 />
               )}
               <p className="mt-2 text-xs text-white/75">
-                {isCreditPlayer
-                  ? t("wallet.creditSummary", {
-                      defaultValue: "授信 {{limit}} · 已用 {{used}}",
-                      limit: formatMinorAsCurrency(balance?.credit_limit ?? 0, currency),
-                      used: formatMinorAsCurrency(balance?.used_credit ?? 0, currency),
-                    })
-                  : t("wallet.available", {
-                      amount: formatMinorAsCurrency(balance?.available_balance ?? 0, currency),
-                    })}
+                {!fundingModeKnown
+                  ? t("wallet.loadingAccountMode", { defaultValue: "正在确认资金模式…" })
+                  : isCreditPlayer
+                    ? t("wallet.creditSummary", {
+                        defaultValue: "授信 {{limit}} · 已用 {{used}}",
+                        limit: formatMinorAsCurrency(balance?.credit_limit ?? 0, currency),
+                        used: formatMinorAsCurrency(balance?.used_credit ?? 0, currency),
+                      })
+                    : t("wallet.available", {
+                        amount: formatMinorAsCurrency(balance?.available_balance ?? 0, currency),
+                      })}
               </p>
             </div>
           </div>
         </section>
 
-        {!isCreditPlayer ? (
+        {fundingModeKnown && !isCreditPlayer ? (
           <div className="grid grid-cols-2 gap-3">
             <TransferInDialog
               idPrefix="wallet-"
@@ -334,7 +370,7 @@ export function WalletScreen() {
           </div>
         ) : null}
 
-        {!isCreditPlayer && (logs?.pending_reconcile?.length ?? 0) > 0 ? (
+        {fundingModeKnown && !isCreditPlayer && (logs?.pending_reconcile?.length ?? 0) > 0 ? (
           <section
             id="wallet-pending"
             className="scroll-mt-3 rounded-2xl border border-amber-200 bg-amber-50 px-3 py-3 text-sm text-amber-900"
@@ -371,18 +407,22 @@ export function WalletScreen() {
         ) : null}
 
         <div id="wallet-logs" className="scroll-mt-3">
-        <WalletLogsBlock
-          creditMode={isCreditPlayer}
-          logs={logs}
-          logsLoading={loading || logsLoading}
-          loadingMore={loadingMore}
-          hasMore={hasMore}
-          onLoadMore={loadMore}
-          loadMoreRef={loadMoreRef}
-          filter={filter}
-          onFilterChange={setFilter}
-          currency={currency}
-        />
+          {fundingModeKnown ? (
+            <WalletLogsBlock
+              creditMode={isCreditPlayer}
+              logs={logs}
+              logsLoading={loading || logsLoading}
+              loadingMore={loadingMore}
+              hasMore={hasMore}
+              onLoadMore={loadMore}
+              loadMoreRef={loadMoreRef}
+              filter={filter}
+              onFilterChange={handleFilterChange}
+              currency={currency}
+            />
+          ) : (
+            <Skeleton className="h-40 w-full rounded-lg" />
+          )}
         </div>
       </div>
     </PlayerPanel>
diff --git a/src/i18n/locales/en/player.json b/src/i18n/locales/en/player.json
index a633d14..f42ac7d 100644
--- a/src/i18n/locales/en/player.json
+++ b/src/i18n/locales/en/player.json
@@ -428,7 +428,7 @@
     "flowsTitle": "Wallet logs",
     "creditFlowsTitle": "Credit activity",
     "playerChannel": {
-      "credit": "Credit line: credit holds, releases, and billing payments (not wallet payouts)",
+      "credit": "Credit line: bet holds, draw settlement, and period payments (not wallet payouts)",
       "wallet": "Main-site wallet player (transfers & wallet ledger)"
     },
     "creditAvailableAfter": "Available credit after",
@@ -458,7 +458,9 @@
     },
     "creditFlow": {
       "all": "All",
-      "bet": "Credit hold",
+      "bet": "Bet hold",
+      "game_settlement": "Draw settlement",
+      "rebate": "Period rebate",
       "credit_release": "Credit release",
       "bill_settlement": "Period payment",
       "win_credit": "Win release",
@@ -467,6 +469,9 @@
     },
     "txnStatus": {
       "posted": "Success",
+      "accrued": "Accrued",
+      "in_bill": "In bill",
+      "settled": "Settled",
       "pending_reconcile": "Pending reconciliation",
       "reversed": "Reversed",
       "manually_processed": "Case closed"
diff --git a/src/i18n/locales/ne/player.json b/src/i18n/locales/ne/player.json
index 8612917..23df2da 100644
--- a/src/i18n/locales/ne/player.json
+++ b/src/i18n/locales/ne/player.json
@@ -427,7 +427,7 @@
     "creditLogsTitle": "क्रेडिट लेनदेन",
     "creditLogsSubtitle": "ओगट, मुक्ति र बिलिङ भुक्तानी",
     "playerChannel": {
-      "credit": "क्रेडिट लाइन: ओगट, मुक्ति र बिलिङ भुक्तानी (वालेट भुक्तानी होइन)",
+      "credit": "क्रेडिट लाइन: बेट होल्ड, ड्र सेटलमेन्ट र अवधि भुक्तानी (वालेट भुक्तानी होइन)",
       "wallet": "मुख्य साइट वालेट खेलाडी"
     },
     "creditAvailableAfter": "पछि उपलब्ध क्रेडिट",
@@ -435,7 +435,9 @@
     "emptyCreditLogs": "क्रेडिट लेनदेन छैन",
     "creditFlow": {
       "all": "सबै",
-      "bet": "क्रेडिट ओगट",
+      "bet": "बेट होल्ड",
+      "game_settlement": "ड्र सेटलमेन्ट",
+      "rebate": "अवधि रिबेट",
       "credit_release": "मुक्ति",
       "bill_settlement": "अवधि भुक्तानी",
       "win_credit": "जित मुक्ति",
@@ -466,6 +468,9 @@
     },
     "txnStatus": {
       "posted": "सफल",
+      "accrued": "जम्मा भयो",
+      "in_bill": "बिलमा",
+      "settled": "सेटल भयो",
       "pending_reconcile": "मिलान बाँकी",
       "reversed": "रिभर्स भयो",
       "manually_processed": "केस बन्द भयो"
diff --git a/src/i18n/locales/zh/player.json b/src/i18n/locales/zh/player.json
index 9d19139..da71db0 100644
--- a/src/i18n/locales/zh/player.json
+++ b/src/i18n/locales/zh/player.json
@@ -427,7 +427,7 @@
     "flowsTitle": "资金流水",
     "creditFlowsTitle": "信用流水",
     "playerChannel": {
-      "credit": "信用盘：展示额度占用、释额与账期收付（非钱包派彩）",
+      "credit": "信用盘：展示下注冻结、开奖结算与账期收付（非钱包派彩）",
       "wallet": "主站钱包玩家（划转与钱包余额流水）"
     },
     "creditAvailableAfter": "变更后可用信用",
@@ -457,7 +457,9 @@
     },
     "creditFlow": {
       "all": "全部",
-      "bet": "占用额度",
+      "bet": "下注冻结",
+      "game_settlement": "开奖结算",
+      "rebate": "账期回水",
       "credit_release": "释额",
       "bill_settlement": "账期收付",
       "win_credit": "中奖释额",
@@ -466,6 +468,9 @@
     },
     "txnStatus": {
       "posted": "成功",
+      "accrued": "已计提",
+      "in_bill": "已入账单",
+      "settled": "已结清",
       "pending_reconcile": "待对账",
       "reversed": "已冲正",
       "manually_processed": "已结案"
diff --git a/src/types/api/wallet-logs.ts b/src/types/api/wallet-logs.ts
index c1e3601..f112e15 100644
--- a/src/types/api/wallet-logs.ts
+++ b/src/types/api/wallet-logs.ts
@@ -3,7 +3,7 @@ export type WalletLogItem = {
   log_id: string;
   type: string;
   biz_type: string;
-  /** wallet_txn | credit_ledger */
+  /** wallet_txn | credit_ledger | rebate_record */
   ledger_source?: string;
   funding_mode?: string;
   auth_source?: string | null;
@@ -13,7 +13,7 @@ export type WalletLogItem = {
   direction: "in" | "out";
   currency_code: string;
   balance_after: number | null;
-  /** 信用盘：false 表示账期收付记账，不改变可用信用 */
+  /** 信用盘：false 表示账期收付/账期回水展示记录，不改变可用信用 */
   affects_available_credit?: boolean;
   ref_id: string | null;
   idempotent_key: string | null;
@@ -57,7 +57,7 @@ export type GetWalletLogsParams = {
   page?: number;
   /** 每页条数（PRD 示例 `size`） */
   size?: number;
-  /** 逗号分隔：transfer_in,transfer_out,bet,prize,refund,reversal */
+  /** 逗号分隔：transfer_in,transfer_out,bet,prize,refund,reversal,game_settlement,bill_settlement,rebate */
   type?: string;
   /** 按钱包币种筛选 */
   currency?: string;