diff --git a/app/Http/Controllers/Api/V1/Wallet/WalletBalanceController.php b/app/Http/Controllers/Api/V1/Wallet/WalletBalanceController.php
new file mode 100644
index 0000000..98a35cb
--- /dev/null
+++ b/app/Http/Controllers/Api/V1/Wallet/WalletBalanceController.php
@@ -0,0 +1,86 @@
+<?php
+
+namespace App\Http\Controllers\Api\V1\Wallet;
+
+use App\Http\Controllers\Controller;
+use App\Models\Player;
+use App\Models\PlayerWallet;
+use App\Support\ApiResponse;
+use Illuminate\Http\JsonResponse;
+use Illuminate\Http\Request;
+
+/**
+ * 【玩家】查询彩票侧钱包余额。
+ *
+ * 路由：`GET /api/v1/wallet/balance`，需 middleware `lottery.player`。
+ * PRD：`01-产品文档.md` §10.1.1；金额单位为最小货币 bigint（参见 `docs/04` §8）。
+ *
+ * 【行为要点】
+ * - 币种：优先 Query `currency`，否则使用玩家 `default_currency`，再回退 `config('lottery.default_currency')`
+ * - 若尚无 `player_wallets` 记录：按 `wallet_type=lottery` + 币种 **首次开立**一行（余额 0），便于新玩家直接进入查询
+ * - `main_balance`：主站钱包余额占位，接入主站 API 后再返回实数；当前固定 `null`
+ */
+class WalletBalanceController extends Controller
+{
+    private const WALLET_TYPE_LOTTERY = 'lottery';
+
+    public function __invoke(Request $request): JsonResponse
+    {
+        $player = $request->lotteryPlayer();
+        abort_if($player === null, 500, 'lottery_player missing');
+
+        $currencyCode = $this->resolveCurrencyCode($request, $player);
+        if ($currencyCode instanceof JsonResponse) {
+            return $currencyCode;
+        }
+
+        $wallet = PlayerWallet::query()->firstOrCreate(
+            [
+                'player_id' => $player->id,
+                'wallet_type' => self::WALLET_TYPE_LOTTERY,
+                'currency_code' => $currencyCode,
+            ],
+            [
+                'balance' => 0,
+                'frozen_balance' => 0,
+                'status' => 0,
+                'version' => 0,
+            ],
+        );
+
+        return ApiResponse::success([
+            'balance' => $wallet->balance,
+            'main_balance' => null,
+            'currency_code' => $wallet->currency_code,
+            'wallet_type' => $wallet->wallet_type,
+            'frozen_balance' => $wallet->frozen_balance,
+        ]);
+    }
+
+    /**
+     * @return string|JsonResponse 合法币种码或错误响应（code 1003：参数非法）
+     */
+    private function resolveCurrencyCode(Request $request, Player $player): string|JsonResponse
+    {
+        $raw = $request->query('currency');
+        if (is_string($raw) && $raw !== '') {
+            $code = strtoupper(substr(trim($raw), 0, 16));
+        } else {
+            $fallback = $player->default_currency ?? config('lottery.default_currency', 'NPR');
+            $code = strtoupper(substr(trim((string) $fallback), 0, 16));
+        }
+
+        // 币种码：字母数字，长度 1–16，与 migrations 字段一致
+        if (! preg_match('/^[A-Z0-9]{1,16}$/', $code)) {
+            // 业务码占用 1000–1999 钱包段；1003 已在 PRD 保留为「金额超出限制」，币种非法单用 1005
+            return ApiResponse::error(
+                __('wallet.invalid_currency'),
+                1005,
+                null,
+                400,
+            );
+        }
+
+        return $code;
+    }
+}
diff --git a/app/Services/PlayerTokenResolver.php b/app/Services/PlayerTokenResolver.php
index 81964c9..4d7ded4 100644
--- a/app/Services/PlayerTokenResolver.php
+++ b/app/Services/PlayerTokenResolver.php
@@ -12,8 +12,8 @@ use Illuminate\Http\Request;
  * 从请求头解析玩家身份，返回已落库的 {@see Player}。
  *
  * 两种模式（互斥优先级：先判断 dev，再走 JWT）：
- * 1) 开发绕过：仅当 `APP_ENV=local` 且 `LOTTERY_PLAYER_AUTH_DEV_BYPASS=true`，
- *    接受 `Authorization: Bearer dev:{players.id}`，直连主键查库（勿上生产）。
+ * 1) 开发绕过：当 `LOTTERY_PLAYER_AUTH_DEV_BYPASS=true` 且运行环境为 `local` 或 **`testing`**（PHPUnit）时，
+ *    接受 `Authorization: Bearer dev:{players.id}`，直连主键查库（**禁止在生产开启**）。
  * 2) 生产：使用 `MAIN_SITE_SSO_JWT_SECRET` 验签 JWT（默认 HS256），
  *    从 payload 读取 `site_code`、`site_player_id`（字段名可 env 覆盖）再查 players 表。
  *
@@ -55,7 +55,7 @@ final class PlayerTokenResolver
     private function devBypassAllowed(): bool
     {
         return (bool) config('lottery.player_auth.dev_bypass')
-            && app()->environment('local');
+            && app()->environment(['local', 'testing']);
     }
 
     private function resolveDevToken(string $token): Player
diff --git a/lang/en/wallet.php b/lang/en/wallet.php
new file mode 100644
index 0000000..ef9eff4
--- /dev/null
+++ b/lang/en/wallet.php
@@ -0,0 +1,6 @@
+<?php
+
+/** PRD 钱包段多语言；NegotiateLotteryLocale 后由 __() 选用 */
+return [
+    'invalid_currency' => 'Invalid currency code',
+];
diff --git a/lang/ne/wallet.php b/lang/ne/wallet.php
new file mode 100644
index 0000000..43e68c3
--- /dev/null
+++ b/lang/ne/wallet.php
@@ -0,0 +1,5 @@
+<?php
+
+return [
+    'invalid_currency' => 'मुद्रा कोड अमान्य',
+];
diff --git a/lang/zh/wallet.php b/lang/zh/wallet.php
new file mode 100644
index 0000000..be32209
--- /dev/null
+++ b/lang/zh/wallet.php
@@ -0,0 +1,5 @@
+<?php
+
+return [
+    'invalid_currency' => '币种参数不合法',
+];
diff --git a/phpunit.xml b/phpunit.xml
index e7f0a48..8bd6ffe 100644
--- a/phpunit.xml
+++ b/phpunit.xml
@@ -32,5 +32,6 @@
         <env name="PULSE_ENABLED" value="false"/>
         <env name="TELESCOPE_ENABLED" value="false"/>
         <env name="NIGHTWATCH_ENABLED" value="false"/>
+        <env name="LOTTERY_PLAYER_AUTH_DEV_BYPASS" value="true"/>
     </php>
 </phpunit>
diff --git a/routes/api.php b/routes/api.php
index 70f7d1d..f66e831 100644
--- a/routes/api.php
+++ b/routes/api.php
@@ -4,12 +4,14 @@ use App\Http\Controllers\Api\V1\Admin\PingController as AdminPingController;
 use App\Http\Controllers\Api\V1\HealthController;
 use App\Http\Controllers\Api\V1\Player\MeController;
 use App\Http\Controllers\Api\V1\Player\PingController as PlayerPingController;
+use App\Http\Controllers\Api\V1\Wallet\WalletBalanceController;
 use Illuminate\Support\Facades\Route;
 
 /*
-| Laravel 默认在 bootstrap 中为 api 文件加前缀 `api`，故实际 URL：
+| Laravel 在 bootstrap 中为本文件自动加前缀 `api` + 中间件组 `api`，故实际 URL：
 |   /api/v1/health
 |   /api/v1/player/...
+|   /api/v1/wallet/...
 |   /api/v1/admin/...
 */
 
@@ -17,19 +19,32 @@ Route::prefix('v1')->group(function (): void {
     // 探活：无鉴权
     Route::get('health', HealthController::class)->name('api.v1.health');
 
+    // 玩家前缀下：仅 ping 公开；me 与 wallet/* 共用 lottery.player（见下方大组）
     Route::prefix('player')
         ->name('api.v1.player.')
         ->group(function (): void {
-            // 不需 Bearer
             Route::get('ping', PlayerPingController::class)->name('ping');
-
-            // 需 Bearer：PlayerTokenResolver + EnsurePlayerApi
-            Route::middleware('lottery.player')->group(function (): void {
-                Route::get('me', MeController::class)->name('me');
-            });
         });
 
-    // 后台 API 前缀；中间件 lottery.admin 内预留 Sanctum / RBAC
+    /*
+    | 已登录玩家：PRD 把路径拆成 `/v1/player/*` 与 `/v1/wallet/*`，这里用同一中间件块避免重复写。
+    | 勿把 wallet 挂到 player 前缀下，否则会变成 /api/v1/player/wallet/...，与 PRD §10.1.1 不一致。
+    */
+    Route::middleware('lottery.player')->group(function (): void {
+        Route::prefix('player')
+            ->name('api.v1.player.')
+            ->group(function (): void {
+                Route::get('me', MeController::class)->name('me');
+            });
+
+        Route::prefix('wallet')
+            ->name('api.v1.wallet.')
+            ->group(function (): void {
+                Route::get('balance', WalletBalanceController::class)->name('balance');
+            });
+    });
+
+    // 后台 API；lottery.admin 内预留 Sanctum / RBAC
     Route::middleware('lottery.admin')
         ->prefix('admin')
         ->name('api.v1.admin.')
diff --git a/tests/Feature/WalletBalanceTest.php b/tests/Feature/WalletBalanceTest.php
new file mode 100644
index 0000000..8e7769e
--- /dev/null
+++ b/tests/Feature/WalletBalanceTest.php
@@ -0,0 +1,49 @@
+<?php
+
+use App\Models\Player;
+use App\Models\PlayerWallet;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+
+uses(RefreshDatabase::class);
+
+test('wallet balance creates lottery wallet row and returns zeros', function () {
+    $player = Player::query()->create([
+        'site_code' => 'test',
+        'site_player_id' => 'p1',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $response = $this->withHeaders([
+        'Authorization' => 'Bearer dev:'.$player->id,
+        'X-Locale' => 'zh',
+    ])->getJson('/api/v1/wallet/balance');
+
+    $response->assertOk()
+        ->assertJsonPath('code', 0)
+        ->assertJsonPath('data.balance', 0)
+        ->assertJsonPath('data.frozen_balance', 0)
+        ->assertJsonPath('data.currency_code', 'NPR')
+        ->assertJsonPath('data.wallet_type', 'lottery')
+        ->assertJsonPath('data.main_balance', null);
+
+    expect(PlayerWallet::query()->where('player_id', $player->id)->count())->toBe(1);
+});
+
+test('wallet balance rejects illegal currency query', function () {
+    $player = Player::query()->create([
+        'site_code' => 'test',
+        'site_player_id' => 'p2',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->getJson('/api/v1/wallet/balance?currency=!!')
+        ->assertStatus(400)
+        ->assertJsonPath('code', 1005);
+});