diff --git a/app/Exceptions/WalletOperationException.php b/app/Exceptions/WalletOperationException.php
new file mode 100644
index 0000000..7a442b0
--- /dev/null
+++ b/app/Exceptions/WalletOperationException.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace App\Exceptions;
+
+use App\Lottery\ErrorCode;
+use App\Support\ApiResponse;
+use RuntimeException;
+
+/**
+ * 玩家钱包划转等业务失败时抛出，由控制器捕获并转为 {@see ApiResponse} JSON。
+ *
+ * @property-read int $lotteryCode {@see ErrorCode}
+ */
+final class WalletOperationException extends RuntimeException
+{
+    public function __construct(
+        string $message,
+        public readonly int $lotteryCode,
+        public readonly int $httpStatus = 400,
+    ) {
+        parent::__construct($message);
+    }
+}
diff --git a/app/Http/Controllers/Api/V1/Admin/Player/PlayerWalletShowController.php b/app/Http/Controllers/Api/V1/Admin/Player/PlayerWalletShowController.php
new file mode 100644
index 0000000..d0deee2
--- /dev/null
+++ b/app/Http/Controllers/Api/V1/Admin/Player/PlayerWalletShowController.php
@@ -0,0 +1,55 @@
+<?php
+
+namespace App\Http\Controllers\Api\V1\Admin\Player;
+
+use App\Http\Controllers\Controller;
+use App\Models\Player;
+use App\Models\PlayerWallet;
+use App\Support\ApiResponse;
+use Illuminate\Http\JsonResponse;
+
+/**
+ * 后台：按玩家查询钱包余额（`player_wallets` 全币种）。
+ *
+ * 路由：`GET /api/v1/admin/players/{player}/wallets`
+ */
+final class PlayerWalletShowController extends Controller
+{
+    public function __invoke(Player $player): JsonResponse
+    {
+        $wallets = PlayerWallet::query()
+            ->where('player_id', $player->id)
+            ->orderBy('wallet_type')
+            ->orderBy('currency_code')
+            ->get();
+
+        $rows = $wallets->map(static function (PlayerWallet $w): array {
+            $bal = (int) $w->balance;
+            $frozen = (int) $w->frozen_balance;
+
+            return [
+                'id' => $w->id,
+                'wallet_type' => $w->wallet_type,
+                'currency_code' => $w->currency_code,
+                'balance' => $bal,
+                'frozen_balance' => $frozen,
+                'available_balance' => max(0, $bal - $frozen),
+                'status' => (int) $w->status,
+                'version' => (int) $w->version,
+            ];
+        })->values()->all();
+
+        return ApiResponse::success([
+            'player' => [
+                'id' => $player->id,
+                'site_code' => $player->site_code,
+                'site_player_id' => $player->site_player_id,
+                'username' => $player->username,
+                'nickname' => $player->nickname,
+                'default_currency' => $player->default_currency,
+                'status' => (int) $player->status,
+            ],
+            'wallets' => $rows,
+        ]);
+    }
+}
diff --git a/app/Http/Controllers/Api/V1/Admin/Wallet/TransferOrderListController.php b/app/Http/Controllers/Api/V1/Admin/Wallet/TransferOrderListController.php
new file mode 100644
index 0000000..904f17c
--- /dev/null
+++ b/app/Http/Controllers/Api/V1/Admin/Wallet/TransferOrderListController.php
@@ -0,0 +1,130 @@
+<?php
+
+namespace App\Http\Controllers\Api\V1\Admin\Wallet;
+
+use App\Http\Controllers\Controller;
+use App\Models\TransferOrder;
+use App\Support\ApiResponse;
+use Illuminate\Http\JsonResponse;
+use Illuminate\Http\Request;
+
+/**
+ * 后台：转账单列表（主站 ↔ 彩票 {@see transfer_orders}）。
+ * 检索口径对齐《01-界面文档》§5.11「钱包流水与对账」转账侧扩展。
+ *
+ * Query：
+ * - `page`（默认 1）
+ * - `per_page` 或 `size`（每页条数，默认 20，最大 100）
+ * - `player_id`（可选，按玩家主键）
+ * - `player_account`（可选，模糊匹配 `players.site_player_id` / `username`；与 `player_id` 同时传时以 `player_id` 为准）
+ * - `transfer_no`（可选，模糊匹配本地单号）
+ * - `external_ref_no`（可选，模糊匹配主站流水号）
+ * - `created_from` / `created_to`（可选，`Y-m-d`，筛选创建时间）
+ * - `status`（可选，逗号分隔：`processing`,`success`,`failed`,`pending_reconcile`）
+ * - `abnormal=1`（仅看异常：processing / failed / pending_reconcile，与 `status` 同时出现时优先）
+ */
+final class TransferOrderListController extends Controller
+{
+    private const ALLOWED_STATUS = ['processing', 'success', 'failed', 'pending_reconcile'];
+
+    public function __invoke(Request $request): JsonResponse
+    {
+        $validated = validator($request->query(), [
+            'page' => ['sometimes', 'integer', 'min:1'],
+            'per_page' => ['sometimes', 'integer', 'min:1', 'max:100'],
+            'size' => ['sometimes', 'integer', 'min:1', 'max:100'],
+            'player_id' => ['sometimes', 'nullable', 'integer', 'min:1'],
+            'player_account' => ['sometimes', 'nullable', 'string', 'max:128'],
+            'transfer_no' => ['sometimes', 'nullable', 'string', 'max:96'],
+            'external_ref_no' => ['sometimes', 'nullable', 'string', 'max:96'],
+            'created_from' => ['sometimes', 'nullable', 'date_format:Y-m-d'],
+            'created_to' => ['sometimes', 'nullable', 'date_format:Y-m-d'],
+            'status' => ['sometimes', 'nullable', 'string', 'max:256'],
+        ])->validate();
+
+        $perPage = (int) ($validated['per_page'] ?? $validated['size'] ?? 20);
+        $perPage = min(100, max(1, $perPage));
+        $page = max(1, (int) ($validated['page'] ?? 1));
+
+        $query = TransferOrder::query()
+            ->with(['player:id,site_code,site_player_id,username,nickname'])
+            ->orderByDesc('id');
+
+        if (! empty($validated['player_id'])) {
+            $query->where('player_id', (int) $validated['player_id']);
+        } elseif (! empty($validated['player_account'])) {
+            $term = '%'.addcslashes(trim($validated['player_account']), '%_\\').'%';
+            $query->whereHas('player', function ($q) use ($term): void {
+                $q->where('site_player_id', 'like', $term)
+                    ->orWhere('username', 'like', $term);
+            });
+        }
+
+        if (! empty($validated['transfer_no'])) {
+            $q = '%'.addcslashes(trim($validated['transfer_no']), '%_\\').'%';
+            $query->where('transfer_no', 'like', $q);
+        }
+
+        if (! empty($validated['external_ref_no'])) {
+            $q = '%'.addcslashes(trim($validated['external_ref_no']), '%_\\').'%';
+            $query->where('external_ref_no', 'like', $q);
+        }
+
+        if (! empty($validated['created_from'])) {
+            $query->where('created_at', '>=', $validated['created_from'].' 00:00:00');
+        }
+
+        if (! empty($validated['created_to'])) {
+            $query->where('created_at', '<=', $validated['created_to'].' 23:59:59');
+        }
+
+        if ($request->boolean('abnormal')) {
+            $query->whereIn('status', ['processing', 'failed', 'pending_reconcile']);
+        } elseif (! empty($validated['status'])) {
+            $parts = array_filter(array_map('trim', explode(',', (string) $validated['status'])));
+            $statuses = array_values(array_intersect($parts, self::ALLOWED_STATUS));
+            if ($statuses !== []) {
+                $query->whereIn('status', $statuses);
+            }
+        }
+
+        $paginator = $query->paginate($perPage, ['*'], 'page', $page);
+        $items = $paginator->getCollection()->map(fn (TransferOrder $o) => $this->formatRow($o));
+
+        return ApiResponse::success([
+            'items' => $items,
+            'total' => $paginator->total(),
+            'page' => $paginator->currentPage(),
+            'per_page' => $paginator->perPage(),
+        ]);
+    }
+
+    /**
+     * @return array<string, mixed>
+     */
+    private function formatRow(TransferOrder $o): array
+    {
+        $p = $o->player;
+
+        return [
+            'id' => $o->id,
+            'transfer_no' => $o->transfer_no,
+            'player_id' => $o->player_id,
+            'site_code' => $p?->site_code,
+            'site_player_id' => $p?->site_player_id,
+            'username' => $p?->username,
+            'nickname' => $p?->nickname,
+            'direction' => $o->direction,
+            'currency_code' => $o->currency_code,
+            'amount' => (int) $o->amount,
+            'idempotent_key' => $o->idempotent_key,
+            'status' => $o->status,
+            'external_ref_no' => $o->external_ref_no,
+            'external_request_payload' => $o->external_request_payload,
+            'external_response_payload' => $o->external_response_payload,
+            'fail_reason' => $o->fail_reason,
+            'created_at' => $o->created_at?->toIso8601String(),
+            'finished_at' => $o->finished_at?->toIso8601String(),
+        ];
+    }
+}
diff --git a/app/Http/Controllers/Api/V1/Admin/Wallet/WalletTransactionListController.php b/app/Http/Controllers/Api/V1/Admin/Wallet/WalletTransactionListController.php
new file mode 100644
index 0000000..7e57568
--- /dev/null
+++ b/app/Http/Controllers/Api/V1/Admin/Wallet/WalletTransactionListController.php
@@ -0,0 +1,137 @@
+<?php
+
+namespace App\Http\Controllers\Api\V1\Admin\Wallet;
+
+use App\Http\Controllers\Controller;
+use App\Models\WalletTxn;
+use App\Support\ApiResponse;
+use Illuminate\Http\JsonResponse;
+use Illuminate\Http\Request;
+
+/**
+ * 后台：彩票钱包流水列表 {@see wallet_txns}。
+ * 列表字段对齐《01-界面文档》§5.11；`updated_at` 作「完成时间」展示（`created_at` 为请求时间）。
+ *
+ * Query：
+ * - `page`、`per_page` / `size`
+ * - `player_id`（可选）
+ * - `player_account`（可选，模糊匹配 `site_player_id` / `username`；与 `player_id` 同时传时以 `player_id` 为准）
+ * - `txn_no`（可选，模糊匹配流水号）
+ * - `external_ref_no`（可选，模糊匹配主站流水号）
+ * - `created_from` / `created_to`（可选，`Y-m-d`，按 `created_at`）
+ * - `biz_type`（可选）
+ * - `status`（可选，逗号：`posted`,`pending_reconcile`）
+ * - `abnormal=1`（仅 `pending_reconcile`，优先于 `status`）
+ */
+final class WalletTransactionListController extends Controller
+{
+    private const ALLOWED_STATUS = ['posted', 'pending_reconcile'];
+
+    public function __invoke(Request $request): JsonResponse
+    {
+        $validated = validator($request->query(), [
+            'page' => ['sometimes', 'integer', 'min:1'],
+            'per_page' => ['sometimes', 'integer', 'min:1', 'max:100'],
+            'size' => ['sometimes', 'integer', 'min:1', 'max:100'],
+            'player_id' => ['sometimes', 'nullable', 'integer', 'min:1'],
+            'player_account' => ['sometimes', 'nullable', 'string', 'max:128'],
+            'txn_no' => ['sometimes', 'nullable', 'string', 'max:96'],
+            'external_ref_no' => ['sometimes', 'nullable', 'string', 'max:96'],
+            'created_from' => ['sometimes', 'nullable', 'date_format:Y-m-d'],
+            'created_to' => ['sometimes', 'nullable', 'date_format:Y-m-d'],
+            'biz_type' => ['sometimes', 'nullable', 'string', 'max:64'],
+            'status' => ['sometimes', 'nullable', 'string', 'max:128'],
+        ])->validate();
+
+        $perPage = (int) ($validated['per_page'] ?? $validated['size'] ?? 20);
+        $perPage = min(100, max(1, $perPage));
+        $page = max(1, (int) ($validated['page'] ?? 1));
+
+        $query = WalletTxn::query()
+            ->with(['player:id,site_code,site_player_id,username,nickname'])
+            ->orderByDesc('id');
+
+        if (! empty($validated['player_id'])) {
+            $query->where('player_id', (int) $validated['player_id']);
+        } elseif (! empty($validated['player_account'])) {
+            $term = '%'.addcslashes(trim($validated['player_account']), '%_\\').'%';
+            $query->whereHas('player', function ($q) use ($term): void {
+                $q->where('site_player_id', 'like', $term)
+                    ->orWhere('username', 'like', $term);
+            });
+        }
+
+        if (! empty($validated['txn_no'])) {
+            $q = '%'.addcslashes(trim($validated['txn_no']), '%_\\').'%';
+            $query->where('txn_no', 'like', $q);
+        }
+
+        if (! empty($validated['external_ref_no'])) {
+            $q = '%'.addcslashes(trim($validated['external_ref_no']), '%_\\').'%';
+            $query->where('external_ref_no', 'like', $q);
+        }
+
+        if (! empty($validated['created_from'])) {
+            $query->where('created_at', '>=', $validated['created_from'].' 00:00:00');
+        }
+
+        if (! empty($validated['created_to'])) {
+            $query->where('created_at', '<=', $validated['created_to'].' 23:59:59');
+        }
+
+        if (! empty($validated['biz_type'])) {
+            $query->where('biz_type', trim((string) $validated['biz_type']));
+        }
+
+        if ($request->boolean('abnormal')) {
+            $query->where('status', 'pending_reconcile');
+        } elseif (! empty($validated['status'])) {
+            $parts = array_filter(array_map('trim', explode(',', (string) $validated['status'])));
+            $statuses = array_values(array_intersect($parts, self::ALLOWED_STATUS));
+            if ($statuses !== []) {
+                $query->whereIn('status', $statuses);
+            }
+        }
+
+        $paginator = $query->paginate($perPage, ['*'], 'page', $page);
+        $items = $paginator->getCollection()->map(fn (WalletTxn $t) => $this->formatRow($t));
+
+        return ApiResponse::success([
+            'items' => $items,
+            'total' => $paginator->total(),
+            'page' => $paginator->currentPage(),
+            'per_page' => $paginator->perPage(),
+        ]);
+    }
+
+    /**
+     * @return array<string, mixed>
+     */
+    private function formatRow(WalletTxn $t): array
+    {
+        $p = $t->player;
+
+        return [
+            'id' => $t->id,
+            'txn_no' => $t->txn_no,
+            'player_id' => $t->player_id,
+            'site_code' => $p?->site_code,
+            'site_player_id' => $p?->site_player_id,
+            'username' => $p?->username,
+            'wallet_id' => $t->wallet_id,
+            'biz_type' => $t->biz_type,
+            'biz_no' => $t->biz_no,
+            'direction' => (int) $t->direction,
+            'amount' => (int) $t->amount,
+            'balance_before' => (int) $t->balance_before,
+            'balance_after' => (int) $t->balance_after,
+            'status' => $t->status,
+            'external_ref_no' => $t->external_ref_no,
+            'idempotent_key' => $t->idempotent_key,
+            'remark' => $t->remark,
+            'created_at' => $t->created_at?->toIso8601String(),
+            /** 展示用「完成时间」；无业务终态时可与 created_at 相同 */
+            'updated_at' => $t->updated_at?->toIso8601String(),
+        ];
+    }
+}
diff --git a/app/Http/Controllers/Api/V1/Player/MeController.php b/app/Http/Controllers/Api/V1/Player/MeController.php
index 3990c2f..a50e9f1 100644
--- a/app/Http/Controllers/Api/V1/Player/MeController.php
+++ b/app/Http/Controllers/Api/V1/Player/MeController.php
@@ -11,6 +11,9 @@ use Illuminate\Http\Request;
  * 鉴权自检：返回当前 Token 对应的玩家公开字段（不含密码）。
  *
  * 路由：GET /api/v1/player/me ，需 middleware lottery.player。
+ *
+ * 补充字段与 PRD「识别玩家」及前端引导一致：`locale` 为当次 API 实际使用的语言（与 `NegotiateLotteryLocale` 一致）；
+ * 时间类为 ISO 8601 字符串，便于 H5 展示与排错。
  */
 class MeController extends Controller
 {
@@ -28,6 +31,9 @@ class MeController extends Controller
             'nickname' => $player->nickname,
             'default_currency' => $player->default_currency,
             'status' => $player->status,
+            'locale' => $request->lotteryLocale(),
+            'last_login_at' => $player->last_login_at?->toIso8601String(),
+            'created_at' => $player->created_at?->toIso8601String(),
         ]);
     }
 }
diff --git a/app/Http/Controllers/Api/V1/Wallet/WalletBalanceController.php b/app/Http/Controllers/Api/V1/Wallet/WalletBalanceController.php
index b469ffc..77ad56c 100644
--- a/app/Http/Controllers/Api/V1/Wallet/WalletBalanceController.php
+++ b/app/Http/Controllers/Api/V1/Wallet/WalletBalanceController.php
@@ -19,6 +19,7 @@ use Illuminate\Http\Request;
  * 【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
+ * - `available_balance`：`balance - frozen_balance`，表示当前可用于下注的整数最小货币单位（不为负）
  * - `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
@@ -49,12 +50,16 @@ class WalletBalanceController extends Controller
             ],
         );
 
+        $balance = (int) $wallet->balance;
+        $frozen = (int) $wallet->frozen_balance;
+
         return ApiResponse::success([
-            'balance' => $wallet->balance,
+            'balance' => $balance,
+            'available_balance' => max(0, $balance - $frozen),
             'main_balance' => null,
             'currency_code' => $wallet->currency_code,
             'wallet_type' => $wallet->wallet_type,
-            'frozen_balance' => $wallet->frozen_balance,
+            'frozen_balance' => $frozen,
         ]);
     }
 
diff --git a/app/Http/Controllers/Api/V1/Wallet/WalletLogsController.php b/app/Http/Controllers/Api/V1/Wallet/WalletLogsController.php
new file mode 100644
index 0000000..72a903e
--- /dev/null
+++ b/app/Http/Controllers/Api/V1/Wallet/WalletLogsController.php
@@ -0,0 +1,174 @@
+<?php
+
+namespace App\Http\Controllers\Api\V1\Wallet;
+
+use App\Http\Controllers\Controller;
+use App\Models\TransferOrder;
+use App\Models\WalletTxn;
+use App\Support\ApiResponse;
+use Illuminate\Http\JsonResponse;
+use Illuminate\Http\Request;
+use Illuminate\Support\Str;
+
+/**
+ * PRD §10.1.1：`GET /api/v1/wallet/logs` — 钱包流水。
+ *
+ * Query：`page`、`size`（每页条数，默认 20）、`type`（逗号分隔：transfer_in,transfer_out,bet,prize,refund）
+ */
+class WalletLogsController extends Controller
+{
+    /** PRD 对外类型 → 本地 biz_type */
+    private const TYPE_TO_BIZ = [
+        'transfer_in' => ['transfer_in'],
+        'transfer_out' => ['transfer_out'],
+        'refund' => ['transfer_out_refund'],
+        'bet' => ['bet'],
+        'prize' => ['prize'],
+    ];
+
+    public function __invoke(Request $request): JsonResponse
+    {
+        $player = $request->lotteryPlayer();
+        abort_if($player === null, 500, 'lottery_player missing');
+
+        $perPage = min(100, max(1, (int) $request->query('size', $request->query('per_page', 20))));
+        $page = max(1, (int) $request->query('page', 1));
+
+        $pendingPayload = $this->pendingReconcilePayload((int) $player->id);
+
+        $bizFilter = $this->resolveBizTypeFilter((string) $request->query('type', ''));
+
+        if (is_array($bizFilter) && $bizFilter === []) {
+            return ApiResponse::success([
+                'items' => [],
+                'total' => 0,
+                'page' => $page,
+                'per_page' => $perPage,
+                'pending_reconcile' => $pendingPayload,
+            ]);
+        }
+
+        $query = WalletTxn::query()
+            ->where('player_id', $player->id)
+            ->with('wallet')
+            ->orderByDesc('id');
+
+        if ($bizFilter !== null) {
+            $query->whereIn('biz_type', $bizFilter);
+        }
+
+        $paginator = $query->paginate($perPage, ['*'], 'page', $page);
+
+        $items = $paginator->getCollection()->map(fn (WalletTxn $txn) => $this->formatTxn($txn));
+
+        return ApiResponse::success([
+            'items' => $items,
+            'total' => $paginator->total(),
+            'page' => $paginator->currentPage(),
+            'per_page' => $paginator->perPage(),
+            'pending_reconcile' => $pendingPayload,
+        ]);
+    }
+
+    /**
+     * @return list<array<string, mixed>>
+     */
+    private function pendingReconcilePayload(int $playerId): array
+    {
+        return TransferOrder::query()
+            ->where('player_id', $playerId)
+            ->where('status', 'pending_reconcile')
+            ->orderByDesc('id')
+            ->limit(50)
+            ->get()
+            ->map(fn (TransferOrder $o) => $this->formatPendingOrder($o))
+            ->all();
+    }
+
+    /**
+     * @return list<string>|null null 表示不过滤；空列表表示过滤后无合法 type（结果应为空）
+     */
+    private function resolveBizTypeFilter(string $raw): ?array
+    {
+        $raw = trim($raw);
+        if ($raw === '') {
+            return null;
+        }
+
+        $parts = array_filter(array_map('trim', explode(',', $raw)));
+        if ($parts === []) {
+            return null;
+        }
+
+        $biz = [];
+        foreach ($parts as $p) {
+            $key = Str::lower($p);
+            if (! isset(self::TYPE_TO_BIZ[$key])) {
+                continue;
+            }
+            foreach (self::TYPE_TO_BIZ[$key] as $b) {
+                $biz[] = $b;
+            }
+        }
+
+        return array_values(array_unique($biz));
+    }
+
+    /**
+     * @return array<string, mixed>
+     */
+    private function formatTxn(WalletTxn $txn): array
+    {
+        $currency = $txn->wallet?->currency_code ?? '';
+
+        return [
+            'log_id' => $txn->txn_no,
+            'type' => $this->bizToPublicType((string) $txn->biz_type),
+            'biz_type' => $txn->biz_type,
+            'amount' => $this->signedAmount($txn),
+            'amount_abs' => (int) $txn->amount,
+            'direction' => (int) $txn->direction === 1 ? 'in' : 'out',
+            'currency_code' => $currency,
+            'balance_after' => (int) $txn->balance_after,
+            'ref_id' => $txn->biz_no,
+            'idempotent_key' => $txn->idempotent_key,
+            'external_ref_no' => $txn->external_ref_no,
+            'status' => $txn->status,
+            'remark' => $txn->remark,
+            'created_at' => $txn->created_at?->toIso8601String(),
+        ];
+    }
+
+    private function bizToPublicType(string $biz): string
+    {
+        return match ($biz) {
+            'transfer_out_refund' => 'refund',
+            default => $biz,
+        };
+    }
+
+    private function signedAmount(WalletTxn $txn): int
+    {
+        $a = (int) $txn->amount;
+
+        return (int) $txn->direction === 1 ? $a : -$a;
+    }
+
+    /**
+     * @return array<string, mixed>
+     */
+    private function formatPendingOrder(TransferOrder $order): array
+    {
+        return [
+            'transfer_no' => $order->transfer_no,
+            'direction' => $order->direction,
+            'type' => $order->direction === 'in' ? 'transfer_in' : 'transfer_out',
+            'currency_code' => $order->currency_code,
+            'amount' => (int) $order->amount,
+            'status' => $order->status,
+            'fail_reason' => $order->fail_reason,
+            'idempotent_key' => $order->idempotent_key,
+            'created_at' => $order->created_at?->toIso8601String(),
+        ];
+    }
+}
diff --git a/app/Http/Controllers/Api/V1/Wallet/WalletTransferInController.php b/app/Http/Controllers/Api/V1/Wallet/WalletTransferInController.php
new file mode 100644
index 0000000..0068a1d
--- /dev/null
+++ b/app/Http/Controllers/Api/V1/Wallet/WalletTransferInController.php
@@ -0,0 +1,77 @@
+<?php
+
+namespace App\Http\Controllers\Api\V1\Wallet;
+
+use App\Exceptions\WalletOperationException;
+use App\Http\Controllers\Controller;
+use App\Http\Requests\Wallet\WalletTransferRequest;
+use App\Lottery\ErrorCode;
+use App\Models\Player;
+use App\Services\Wallet\LotteryTransferService;
+use App\Support\ApiResponse;
+use App\Support\LotteryMessage;
+use Illuminate\Http\JsonResponse;
+use Illuminate\Http\Request;
+
+/**
+ * 转入：主站扣款 → 彩票钱包加款。
+ *
+ * `POST /api/v1/wallet/transfer-in` ，body JSON：`amount`（最小货币单位整数）, `idempotent_key`, `currency`（可选）
+ */
+class WalletTransferInController extends Controller
+{
+    public function __construct(
+        private readonly LotteryTransferService $transferService,
+    ) {}
+
+    public function __invoke(WalletTransferRequest $request): JsonResponse
+    {
+        $player = $request->lotteryPlayer();
+        abort_if($player === null, 500, 'lottery_player missing');
+
+        $currency = $this->resolveCurrencyCode($request, $player);
+        if ($currency instanceof JsonResponse) {
+            return $currency;
+        }
+
+        try {
+            $data = $this->transferService->transferIn(
+                $player,
+                $currency,
+                (int) $request->validated('amount'),
+                (string) $request->validated('idempotent_key'),
+            );
+        } catch (WalletOperationException $e) {
+            return ApiResponse::error(
+                LotteryMessage::wallet($request, $e->lotteryCode),
+                $e->lotteryCode,
+                null,
+                $e->httpStatus,
+            );
+        }
+
+        return ApiResponse::success($data);
+    }
+
+    private function resolveCurrencyCode(Request $request, Player $player): string|JsonResponse
+    {
+        $raw = $request->input('currency');
+        if (is_string($raw) && $raw !== '') {
+            $code = strtoupper(substr(trim($raw), 0, 16));
+        } else {
+            $fallback = $player->default_currency ?? config('lottery.default_currency', 'NPR');
+            $code = strtoupper(substr(trim((string) $fallback), 0, 16));
+        }
+
+        if (! preg_match('/^[A-Z0-9]{1,16}$/', $code)) {
+            return ApiResponse::error(
+                __('wallet.invalid_currency'),
+                ErrorCode::WalletInvalidCurrency->value,
+                null,
+                400,
+            );
+        }
+
+        return $code;
+    }
+}
diff --git a/app/Http/Controllers/Api/V1/Wallet/WalletTransferOutController.php b/app/Http/Controllers/Api/V1/Wallet/WalletTransferOutController.php
new file mode 100644
index 0000000..00798ec
--- /dev/null
+++ b/app/Http/Controllers/Api/V1/Wallet/WalletTransferOutController.php
@@ -0,0 +1,77 @@
+<?php
+
+namespace App\Http\Controllers\Api\V1\Wallet;
+
+use App\Exceptions\WalletOperationException;
+use App\Http\Controllers\Controller;
+use App\Http\Requests\Wallet\WalletTransferRequest;
+use App\Lottery\ErrorCode;
+use App\Models\Player;
+use App\Services\Wallet\LotteryTransferService;
+use App\Support\ApiResponse;
+use App\Support\LotteryMessage;
+use Illuminate\Http\JsonResponse;
+use Illuminate\Http\Request;
+
+/**
+ * 转出：彩票钱包扣款 → 主站加款；主站失败则冲正彩票余额。
+ *
+ * `POST /api/v1/wallet/transfer-out`
+ */
+class WalletTransferOutController extends Controller
+{
+    public function __construct(
+        private readonly LotteryTransferService $transferService,
+    ) {}
+
+    public function __invoke(WalletTransferRequest $request): JsonResponse
+    {
+        $player = $request->lotteryPlayer();
+        abort_if($player === null, 500, 'lottery_player missing');
+
+        $currency = $this->resolveCurrencyCode($request, $player);
+        if ($currency instanceof JsonResponse) {
+            return $currency;
+        }
+
+        try {
+            $data = $this->transferService->transferOut(
+                $player,
+                $currency,
+                (int) $request->validated('amount'),
+                (string) $request->validated('idempotent_key'),
+            );
+        } catch (WalletOperationException $e) {
+            return ApiResponse::error(
+                LotteryMessage::wallet($request, $e->lotteryCode),
+                $e->lotteryCode,
+                null,
+                $e->httpStatus,
+            );
+        }
+
+        return ApiResponse::success($data);
+    }
+
+    private function resolveCurrencyCode(Request $request, Player $player): string|JsonResponse
+    {
+        $raw = $request->input('currency');
+        if (is_string($raw) && $raw !== '') {
+            $code = strtoupper(substr(trim($raw), 0, 16));
+        } else {
+            $fallback = $player->default_currency ?? config('lottery.default_currency', 'NPR');
+            $code = strtoupper(substr(trim((string) $fallback), 0, 16));
+        }
+
+        if (! preg_match('/^[A-Z0-9]{1,16}$/', $code)) {
+            return ApiResponse::error(
+                __('wallet.invalid_currency'),
+                ErrorCode::WalletInvalidCurrency->value,
+                null,
+                400,
+            );
+        }
+
+        return $code;
+    }
+}
diff --git a/app/Http/Requests/Wallet/WalletTransferRequest.php b/app/Http/Requests/Wallet/WalletTransferRequest.php
new file mode 100644
index 0000000..d9bec8c
--- /dev/null
+++ b/app/Http/Requests/Wallet/WalletTransferRequest.php
@@ -0,0 +1,28 @@
+<?php
+
+namespace App\Http\Requests\Wallet;
+
+use Illuminate\Foundation\Http\FormRequest;
+
+/**
+ * 转入 / 转出共用请求体：最小货币单位金额、幂等键、可选币种。
+ */
+class WalletTransferRequest extends FormRequest
+{
+    public function authorize(): bool
+    {
+        return true;
+    }
+
+    /**
+     * @return array<string, mixed>
+     */
+    public function rules(): array
+    {
+        return [
+            'amount' => ['required', 'integer', 'min:1'],
+            'currency' => ['sometimes', 'nullable', 'string', 'max:16'],
+            'idempotent_key' => ['required', 'string', 'max:64'],
+        ];
+    }
+}
diff --git a/app/Lottery/ErrorCode.php b/app/Lottery/ErrorCode.php
index baacc3d..0bb5750 100644
--- a/app/Lottery/ErrorCode.php
+++ b/app/Lottery/ErrorCode.php
@@ -26,11 +26,29 @@ enum ErrorCode: int
     /** PRD：金额超出限制 */
     case WalletAmountExceedsLimit = 1003;
 
+    /** 后台关闭玩家转入（lottery_settings.wallet.transfer_in_enabled=false） */
+    case WalletTransferInDisabled = 1004;
+
     /**
      * PRD：钱包查询等场景下请求参数无效；当前用于 `currency` 非法（与 1003 语义区分）。
      */
     case WalletInvalidCurrency = 1005;
 
+    /** 后台关闭玩家转出 */
+    case WalletTransferOutDisabled = 1006;
+
+    /** 彩票钱包已冻结，不可划转 */
+    case WalletLotteryFrozen = 1007;
+
+    /** 金额非法：须为正整数最小货币单位 */
+    case WalletInvalidAmount = 1008;
+
+    /** 主站钱包接口拒绝或不可用（扣款/加款失败） */
+    case WalletExternalRejected = 1009;
+
+    /** 幂等键与已有订单冲突（金额/币种/方向不一致） */
+    case WalletIdempotentConflict = 1010;
+
     /* ========== 2000–2999 下注 / 注单（PRD 保留，业务未实现时亦可提前登记） ========== */
 
     /** PRD：当期已封盘 */
@@ -56,6 +74,9 @@ enum ErrorCode: int
     /** 未配置 `MAIN_SITE_SSO_JWT_SECRET`（通常 HTTP 503） */
     case PlayerSsoSecretNotConfigured = 8004;
 
+    /** 账号已冻结或禁止登录（status ≠ active） */
+    case PlayerAccountSuspended = 8005;
+
     /* ========== 8100–8199 管理端 API ========== */
 
     /** 未登录或 Token 无效 */
diff --git a/app/Models/Currency.php b/app/Models/Currency.php
new file mode 100644
index 0000000..c6573be
--- /dev/null
+++ b/app/Models/Currency.php
@@ -0,0 +1,25 @@
+<?php
+
+namespace App\Models;
+
+use Illuminate\Database\Eloquent\Model;
+
+/** 币种枚举表 {@see currencies} */
+class Currency extends Model
+{
+    protected $fillable = [
+        'code',
+        'name',
+        'decimal_places',
+        'is_enabled',
+        'is_bettable',
+    ];
+
+    protected function casts(): array
+    {
+        return [
+            'is_enabled' => 'boolean',
+            'is_bettable' => 'boolean',
+        ];
+    }
+}
diff --git a/app/Models/TransferOrder.php b/app/Models/TransferOrder.php
new file mode 100644
index 0000000..927d5b3
--- /dev/null
+++ b/app/Models/TransferOrder.php
@@ -0,0 +1,40 @@
+<?php
+
+namespace App\Models;
+
+use Illuminate\Database\Eloquent\Model;
+use Illuminate\Database\Eloquent\Relations\BelongsTo;
+
+/** 主站 ↔ 彩票划转订单 {@see transfer_orders} */
+class TransferOrder extends Model
+{
+    protected $fillable = [
+        'transfer_no',
+        'player_id',
+        'direction',
+        'currency_code',
+        'amount',
+        'idempotent_key',
+        'status',
+        'external_request_payload',
+        'external_response_payload',
+        'external_ref_no',
+        'fail_reason',
+        'finished_at',
+    ];
+
+    protected function casts(): array
+    {
+        return [
+            'amount' => 'integer',
+            'external_request_payload' => 'array',
+            'external_response_payload' => 'array',
+            'finished_at' => 'datetime',
+        ];
+    }
+
+    public function player(): BelongsTo
+    {
+        return $this->belongsTo(Player::class);
+    }
+}
diff --git a/app/Models/WalletTxn.php b/app/Models/WalletTxn.php
new file mode 100644
index 0000000..1233432
--- /dev/null
+++ b/app/Models/WalletTxn.php
@@ -0,0 +1,46 @@
+<?php
+
+namespace App\Models;
+
+use Illuminate\Database\Eloquent\Model;
+use Illuminate\Database\Eloquent\Relations\BelongsTo;
+
+/** 彩票钱包流水 {@see wallet_txns} */
+class WalletTxn extends Model
+{
+    protected $fillable = [
+        'txn_no',
+        'player_id',
+        'wallet_id',
+        'biz_type',
+        'biz_no',
+        'direction',
+        'amount',
+        'balance_before',
+        'balance_after',
+        'status',
+        'external_ref_no',
+        'idempotent_key',
+        'remark',
+    ];
+
+    protected function casts(): array
+    {
+        return [
+            'direction' => 'integer',
+            'amount' => 'integer',
+            'balance_before' => 'integer',
+            'balance_after' => 'integer',
+        ];
+    }
+
+    public function player(): BelongsTo
+    {
+        return $this->belongsTo(Player::class);
+    }
+
+    public function wallet(): BelongsTo
+    {
+        return $this->belongsTo(PlayerWallet::class, 'wallet_id');
+    }
+}
diff --git a/app/Providers/AppServiceProvider.php b/app/Providers/AppServiceProvider.php
index 2b9490f..03b5eb1 100644
--- a/app/Providers/AppServiceProvider.php
+++ b/app/Providers/AppServiceProvider.php
@@ -4,6 +4,9 @@ namespace App\Providers;
 
 use App\Models\AdminUser;
 use App\Models\Player;
+use App\Services\Wallet\HttpMainSiteWalletGateway;
+use App\Services\Wallet\MainSiteWalletGateway;
+use App\Services\Wallet\StubMainSiteWalletGateway;
 use Illuminate\Cache\RateLimiting\Limit;
 use Illuminate\Http\Request;
 use Illuminate\Support\Facades\RateLimiter;
@@ -16,7 +19,14 @@ class AppServiceProvider extends ServiceProvider
      */
     public function register(): void
     {
-        //
+        $this->app->singleton(MainSiteWalletGateway::class, function (): MainSiteWalletGateway {
+            $url = config('lottery.main_site.wallet_api_url');
+            if (! is_string($url) || trim($url) === '') {
+                return new StubMainSiteWalletGateway;
+            }
+
+            return new HttpMainSiteWalletGateway;
+        });
     }
 
     /**
diff --git a/app/Services/PlayerTokenResolver.php b/app/Services/PlayerTokenResolver.php
index c0f1367..ead3ade 100644
--- a/app/Services/PlayerTokenResolver.php
+++ b/app/Services/PlayerTokenResolver.php
@@ -7,21 +7,34 @@ use App\Lottery\ErrorCode;
 use App\Models\Player;
 use Firebase\JWT\JWT;
 use Firebase\JWT\Key;
+use Illuminate\Database\QueryException;
 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：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。
+ * ## Dev bypass（开发绕过）与正式 JWT 的互斥关系
  *
- * 错误码约定（见 {@see ErrorCode} 玩家 SSO 段）：
+ * | 条件 | Authorization 示例 | 行为 |
+ * | :--- | :--- | :--- |
+ * | `LOTTERY_PLAYER_AUTH_DEV_BYPASS=true` 且 `APP_ENV` 为 `local` 或 `testing`，且 token 以 `dev:` 开头 | `Bearer dev:12` | **仅走 dev**：按 `players.id` 查库，不验 JWT，不要求配置 `MAIN_SITE_SSO_JWT_SECRET`。 |
+ * | 同上环境且开关为 true，但 token **不是** `dev:` | `Bearer eyJ...` | **走正式 JWT**：验签、建档逻辑见下；`dev:` 前缀不会当作 JWT 解析。 |
+ * | `dev_bypass` 为 false 或非 local/testing | `Bearer dev:12` | **不走 dev**：整段当作 JWT 解码，必然失败（8002）。 |
+ * | 任意环境 | `Bearer eyJ...` | **走正式 JWT**：必须配置 `MAIN_SITE_SSO_JWT_SECRET`；验签成功后按 `site_code` + `site_player_id` **首次自动建档**（PRD），并刷新 `last_login_at`。 |
+ *
+ * ## 正式 JWT（主站 SSO）
+ *
+ * - 成功验签后：若库中无映射行则 `firstOrCreate`（默认币种 `lottery.default_currency`、status=active）。
+ * - 并发首登可能触发唯一键冲突，会捕获后重查。
+ * - 解析成功后校验 {@see Player::status}：非 active 时抛 {@see ErrorCode::PlayerAccountSuspended}（HTTP 403）。
+ *
+ * 错误码见 {@see ErrorCode} 玩家 SSO 段（8001–8005）。
  */
 final class PlayerTokenResolver
 {
+    /** players.status：与迁移注释一致 */
+    private const PLAYER_STATUS_ACTIVE = 0;
+
     public function resolve(Request $request): Player
     {
         $header = $request->header('Authorization', '');
@@ -38,22 +51,33 @@ final class PlayerTokenResolver
             throw new PlayerAuthenticationException('Token 为空', ErrorCode::PlayerAuthorizationInvalid->value);
         }
 
-        // 本地 dev: 优先于 JWT，避免未配密钥时仍能测需登录接口
+        // 仅当 dev bypass 开启且 token 形如 dev:{id} 时走开发分支；否则一律按 JWT 处理
         if ($this->devBypassAllowed() && str_starts_with($token, 'dev:')) {
-            return $this->resolveDevToken($token);
+            $player = $this->resolveDevToken($token);
+        } else {
+            // 与 .env 中 MAIN_SITE_SSO_JWT_SECRET 一致，用于 firebase/php-jwt 验签
+            $secret = config('lottery.main_site.sso_jwt_secret');
+            if (! is_string($secret) || $secret === '') {
+                throw new PlayerAuthenticationException(
+                    'SSO 未配置（MAIN_SITE_SSO_JWT_SECRET）',
+                    ErrorCode::PlayerSsoSecretNotConfigured->value,
+                    503,
+                );
+            }
+
+            $player = $this->resolveJwt($token, $secret);
         }
 
-        // 与 .env 中 MAIN_SITE_SSO_JWT_SECRET 一致，用于 firebase/php-jwt 验签
-        $secret = config('lottery.main_site.sso_jwt_secret');
-        if (! is_string($secret) || $secret === '') {
-            throw new PlayerAuthenticationException(
-                'SSO 未配置（MAIN_SITE_SSO_JWT_SECRET）',
-                ErrorCode::PlayerSsoSecretNotConfigured->value,
-                503,
-            );
+        $this->assertPlayerActive($player);
+
+        // 正式 JWT 已在 resolveJwt 内写入 last_login_at；dev 仅在此处写入
+        if ($this->devBypassAllowed() && str_starts_with($token, 'dev:')) {
+            $player->forceFill(['last_login_at' => now()])->save();
+
+            return $player->refresh();
         }
 
-        return $this->resolveJwt($token, $secret);
+        return $player;
     }
 
     private function devBypassAllowed(): bool
@@ -102,16 +126,49 @@ final class PlayerTokenResolver
             throw new PlayerAuthenticationException('JWT 缺少站点或玩家标识', ErrorCode::PlayerTokenInvalid->value);
         }
 
-        // 首期：库中必须先有该行；若需「首次进入自动建档」可在此处 firstOrCreate
-        $player = Player::query()
-            ->where('site_code', $siteCode)
-            ->where('site_player_id', $sitePlayerId)
-            ->first();
+        $now = now();
+        $defaults = [
+            'username' => null,
+            'nickname' => null,
+            'default_currency' => (string) config('lottery.default_currency', 'NPR'),
+            'status' => self::PLAYER_STATUS_ACTIVE,
+            'last_login_at' => $now,
+        ];
 
-        if ($player === null) {
-            throw new PlayerAuthenticationException('玩家未建档', ErrorCode::PlayerNotRegistered->value);
+        try {
+            $player = Player::query()->firstOrCreate(
+                [
+                    'site_code' => $siteCode,
+                    'site_player_id' => $sitePlayerId,
+                ],
+                $defaults,
+            );
+        } catch (QueryException $e) {
+            // 并发首登时可能重复插入唯一键，改为加载已有行
+            $player = Player::query()
+                ->where('site_code', $siteCode)
+                ->where('site_player_id', $sitePlayerId)
+                ->first();
+            if ($player === null) {
+                throw $e;
+            }
         }
 
-        return $player;
+        if (! $player->wasRecentlyCreated) {
+            $player->forceFill(['last_login_at' => $now])->save();
+        }
+
+        return $player->refresh();
+    }
+
+    private function assertPlayerActive(Player $player): void
+    {
+        if ((int) $player->status !== self::PLAYER_STATUS_ACTIVE) {
+            throw new PlayerAuthenticationException(
+                '账号已冻结或不可用',
+                ErrorCode::PlayerAccountSuspended->value,
+                403,
+            );
+        }
     }
 }
diff --git a/app/Services/Wallet/HttpMainSiteWalletGateway.php b/app/Services/Wallet/HttpMainSiteWalletGateway.php
new file mode 100644
index 0000000..aa27b0e
--- /dev/null
+++ b/app/Services/Wallet/HttpMainSiteWalletGateway.php
@@ -0,0 +1,150 @@
+<?php
+
+namespace App\Services\Wallet;
+
+use App\Models\Player;
+use GuzzleHttp\Exception\ConnectException;
+use Illuminate\Support\Facades\Http;
+
+/**
+ * 通过 HTTP 调用主站钱包 API（路径见 config lottery.main_site.wallet_*_path）。
+ */
+final class HttpMainSiteWalletGateway implements MainSiteWalletGateway
+{
+    public function debitMainForLotteryDeposit(
+        Player $player,
+        string $currencyCode,
+        int $amountMinor,
+        string $idempotentKey,
+    ): MainSiteWalletResult {
+        return $this->post(
+            (string) config('lottery.main_site.wallet_debit_path'),
+            $player,
+            $currencyCode,
+            $amountMinor,
+            $idempotentKey,
+        );
+    }
+
+    public function creditMainForLotteryWithdraw(
+        Player $player,
+        string $currencyCode,
+        int $amountMinor,
+        string $idempotentKey,
+    ): MainSiteWalletResult {
+        return $this->post(
+            (string) config('lottery.main_site.wallet_credit_path'),
+            $player,
+            $currencyCode,
+            $amountMinor,
+            $idempotentKey,
+        );
+    }
+
+    private function post(
+        string $path,
+        Player $player,
+        string $currencyCode,
+        int $amountMinor,
+        string $idempotentKey,
+    ): MainSiteWalletResult {
+        $base = rtrim((string) config('lottery.main_site.wallet_api_url'), '/');
+        $url = $base.'/'.ltrim($path, '/');
+        $timeout = (int) config('lottery.main_site.wallet_timeout', 10);
+        $apiKey = config('lottery.main_site.wallet_api_key');
+
+        $requestBody = [
+            'site_code' => $player->site_code,
+            'site_player_id' => $player->site_player_id,
+            'player_id' => $player->id,
+            'currency_code' => $currencyCode,
+            'amount_minor' => $amountMinor,
+            'idempotent_key' => $idempotentKey,
+        ];
+
+        $requestSnapshot = array_merge($requestBody, [
+            '_meta' => [
+                'method' => 'POST',
+                'path' => '/'.ltrim($path, '/'),
+            ],
+        ]);
+
+        $headers = [];
+        if (is_string($apiKey) && $apiKey !== '') {
+            $headers['Authorization'] = 'Bearer '.$apiKey;
+        }
+
+        try {
+            $response = Http::withHeaders($headers)
+                ->timeout($timeout)
+                ->acceptJson()
+                ->asJson()
+                ->post($url, $requestBody);
+        } catch (\Throwable $e) {
+            return MainSiteWalletResult::failure(
+                $e->getMessage(),
+                null,
+                self::isUncertainTransportFailure($e),
+                $requestSnapshot,
+            );
+        }
+
+        $payload = $response->json();
+        if (! is_array($payload)) {
+            $payload = ['raw' => $response->body()];
+        }
+
+        $status = $response->status();
+        if ($status === 408 || $status === 504) {
+            return MainSiteWalletResult::failure(
+                'HTTP '.$status,
+                $payload,
+                true,
+                $requestSnapshot,
+            );
+        }
+
+        if (! $response->successful()) {
+            return MainSiteWalletResult::failure(
+                is_string(data_get($payload, 'message'))
+                    ? (string) data_get($payload, 'message')
+                    : ('HTTP '.$status),
+                $payload,
+                false,
+                $requestSnapshot,
+            );
+        }
+
+        $ok = (bool) data_get($payload, 'success', true);
+        if (! $ok) {
+            return MainSiteWalletResult::failure(
+                is_string(data_get($payload, 'message'))
+                    ? (string) data_get($payload, 'message')
+                    : 'main_site_rejected',
+                $payload,
+                false,
+                $requestSnapshot,
+            );
+        }
+
+        $ref = data_get($payload, 'external_ref_no')
+            ?? data_get($payload, 'data.external_ref_no')
+            ?? data_get($payload, 'ref');
+
+        return MainSiteWalletResult::success(is_string($ref) ? $ref : null, $payload, $requestSnapshot);
+    }
+
+    private static function isUncertainTransportFailure(\Throwable $e): bool
+    {
+        if ($e instanceof ConnectException) {
+            return true;
+        }
+
+        $msg = strtolower($e->getMessage());
+
+        return str_contains($msg, 'curl error 28')
+            || str_contains($msg, 'connection timed out')
+            || str_contains($msg, 'timed out')
+            || str_contains($msg, 'operation timed out');
+    }
+}
diff --git a/app/Services/Wallet/LotteryTransferService.php b/app/Services/Wallet/LotteryTransferService.php
new file mode 100644
index 0000000..7d8c56b
--- /dev/null
+++ b/app/Services/Wallet/LotteryTransferService.php
@@ -0,0 +1,601 @@
+<?php
+
+namespace App\Services\Wallet;
+
+use App\Exceptions\WalletOperationException;
+use App\Lottery\ErrorCode;
+use App\Models\Currency;
+use App\Models\Player;
+use App\Models\PlayerWallet;
+use App\Models\TransferOrder;
+use App\Models\WalletTxn;
+use App\Services\LotterySettings;
+use Illuminate\Database\QueryException;
+use Illuminate\Support\Facades\DB;
+use Illuminate\Support\Str;
+
+/**
+ * 主站 ↔ 彩票钱包：转入 / 转出（幂等键 + 流水 + 订单）。
+ */
+final class LotteryTransferService
+{
+    private const WALLET_TYPE_LOTTERY = 'lottery';
+
+    private const DIR_IN = 'in';
+
+    private const DIR_OUT = 'out';
+
+    private const ST_PROCESSING = 'processing';
+
+    private const ST_SUCCESS = 'success';
+
+    private const ST_FAILED = 'failed';
+
+    /** PRD §6.2/6.7：主站超时待对账 */
+    private const ST_PENDING_RECONCILE = 'pending_reconcile';
+
+    private const BIZ_TRANSFER_IN = 'transfer_in';
+
+    private const BIZ_TRANSFER_OUT = 'transfer_out';
+
+    private const BIZ_TRANSFER_OUT_REFUND = 'transfer_out_refund';
+
+    private const TXN_POSTED = 'posted';
+
+    private const TXN_PENDING_RECONCILE = 'pending_reconcile';
+
+    private const TXN_DIR_IN = 1;
+
+    private const TXN_DIR_OUT = 2;
+
+    public function __construct(
+        private readonly MainSiteWalletGateway $mainSite,
+    ) {}
+
+    /**
+     * 转入：主站扣款成功后增加彩票余额。
+     *
+     * @return array<string, mixed>
+     */
+    public function transferIn(Player $player, string $currencyCode, int $amountMinor, string $idempotentKey): array
+    {
+        $this->assertPositiveAmount($amountMinor);
+        $currencyCode = $this->normalizeCurrency($currencyCode);
+        $this->assertCurrencyEnabled($currencyCode);
+        $this->assertTransferInEnabled();
+        $this->assertLotteryWalletNotFrozen($player, $currencyCode);
+        $this->assertTransferAmountLimits(self::DIR_IN, $currencyCode, $amountMinor);
+
+        $existing = TransferOrder::query()->where('idempotent_key', $idempotentKey)->first();
+        if ($existing !== null) {
+            return $this->existingOrderResponse($existing, $player, self::DIR_IN, $currencyCode, $amountMinor);
+        }
+
+        $transferNo = $this->newTransferNo('TI');
+
+        try {
+            TransferOrder::query()->create([
+                'transfer_no' => $transferNo,
+                'player_id' => $player->id,
+                'direction' => self::DIR_IN,
+                'currency_code' => $currencyCode,
+                'amount' => $amountMinor,
+                'idempotent_key' => $idempotentKey,
+                'status' => self::ST_PROCESSING,
+            ]);
+        } catch (QueryException $e) {
+            $existing = TransferOrder::query()->where('idempotent_key', $idempotentKey)->first();
+            if ($existing !== null) {
+                return $this->existingOrderResponse($existing, $player, self::DIR_IN, $currencyCode, $amountMinor);
+            }
+            throw $e;
+        }
+
+        /** @var TransferOrder $order */
+        $order = TransferOrder::query()->where('transfer_no', $transferNo)->firstOrFail();
+
+        $main = $this->mainSite->debitMainForLotteryDeposit($player, $currencyCode, $amountMinor, $idempotentKey);
+
+        if (! $main->ok) {
+            if ($main->uncertain) {
+                $order->forceFill([
+                    'status' => self::ST_PENDING_RECONCILE,
+                    'external_request_payload' => $main->requestPayload,
+                    'external_response_payload' => $main->responsePayload,
+                    'fail_reason' => 'main_site_timeout',
+                    'finished_at' => null,
+                ])->save();
+
+                throw new WalletOperationException(
+                    'pending_reconcile',
+                    ErrorCode::WalletTransferPending->value,
+                    409,
+                );
+            }
+
+            $order->forceFill([
+                'status' => self::ST_FAILED,
+                'external_request_payload' => $main->requestPayload,
+                'external_response_payload' => $main->responsePayload,
+                'fail_reason' => $main->errorMessage ?? 'main_site_failed',
+                'finished_at' => now(),
+            ])->save();
+
+            throw new WalletOperationException(
+                $main->errorMessage ?? 'main_site_failed',
+                ErrorCode::WalletExternalRejected->value,
+            );
+        }
+
+        DB::transaction(function () use ($player, $currencyCode, $amountMinor, $order, $main, $transferNo, $idempotentKey): void {
+            $wallet = $this->lockLotteryWallet($player, $currencyCode);
+            $before = (int) $wallet->balance;
+            $after = $before + $amountMinor;
+            $wallet->forceFill([
+                'balance' => $after,
+                'version' => (int) $wallet->version + 1,
+            ])->save();
+
+            WalletTxn::query()->create([
+                'txn_no' => $this->newTxnNo(),
+                'player_id' => $player->id,
+                'wallet_id' => $wallet->id,
+                'biz_type' => self::BIZ_TRANSFER_IN,
+                'biz_no' => $transferNo,
+                'direction' => self::TXN_DIR_IN,
+                'amount' => $amountMinor,
+                'balance_before' => $before,
+                'balance_after' => $after,
+                'status' => self::TXN_POSTED,
+                'external_ref_no' => $main->externalRefNo,
+                'idempotent_key' => $idempotentKey,
+                'remark' => null,
+            ]);
+
+            $order->forceFill([
+                'status' => self::ST_SUCCESS,
+                'external_ref_no' => $main->externalRefNo,
+                'external_request_payload' => $main->requestPayload,
+                'external_response_payload' => $main->responsePayload,
+                'finished_at' => now(),
+            ])->save();
+        });
+
+        return $this->successPayload(
+            TransferOrder::query()->where('transfer_no', $transferNo)->firstOrFail(),
+            $player,
+            $currencyCode,
+            self::BIZ_TRANSFER_IN,
+        );
+    }
+
+    /**
+     * 转出：先扣彩票余额，再调用主站加款；失败则冲正彩票余额。
+     *
+     * @return array<string, mixed>
+     */
+    public function transferOut(Player $player, string $currencyCode, int $amountMinor, string $idempotentKey): array
+    {
+        $this->assertPositiveAmount($amountMinor);
+        $currencyCode = $this->normalizeCurrency($currencyCode);
+        $this->assertCurrencyEnabled($currencyCode);
+        $this->assertTransferOutEnabled();
+        $this->assertLotteryWalletNotFrozen($player, $currencyCode);
+        $this->assertTransferAmountLimits(self::DIR_OUT, $currencyCode, $amountMinor);
+
+        $existing = TransferOrder::query()->where('idempotent_key', $idempotentKey)->first();
+        if ($existing !== null) {
+            return $this->existingOrderResponse($existing, $player, self::DIR_OUT, $currencyCode, $amountMinor);
+        }
+
+        $transferNo = $this->newTransferNo('TO');
+
+        try {
+            TransferOrder::query()->create([
+                'transfer_no' => $transferNo,
+                'player_id' => $player->id,
+                'direction' => self::DIR_OUT,
+                'currency_code' => $currencyCode,
+                'amount' => $amountMinor,
+                'idempotent_key' => $idempotentKey,
+                'status' => self::ST_PROCESSING,
+            ]);
+        } catch (QueryException $e) {
+            $existing = TransferOrder::query()->where('idempotent_key', $idempotentKey)->first();
+            if ($existing !== null) {
+                return $this->existingOrderResponse($existing, $player, self::DIR_OUT, $currencyCode, $amountMinor);
+            }
+            throw $e;
+        }
+
+        /** @var TransferOrder $order */
+        $order = TransferOrder::query()->where('transfer_no', $transferNo)->firstOrFail();
+
+        try {
+            DB::transaction(function () use ($player, $currencyCode, $amountMinor, $transferNo, $idempotentKey): void {
+                $wallet = $this->lockLotteryWallet($player, $currencyCode);
+                $before = (int) $wallet->balance;
+                if ($before < $amountMinor) {
+                    throw new WalletOperationException(
+                        'insufficient_balance',
+                        ErrorCode::WalletInsufficientBalance->value,
+                    );
+                }
+                $after = $before - $amountMinor;
+                $wallet->forceFill([
+                    'balance' => $after,
+                    'version' => (int) $wallet->version + 1,
+                ])->save();
+
+                WalletTxn::query()->create([
+                    'txn_no' => $this->newTxnNo(),
+                    'player_id' => $player->id,
+                    'wallet_id' => $wallet->id,
+                    'biz_type' => self::BIZ_TRANSFER_OUT,
+                    'biz_no' => $transferNo,
+                    'direction' => self::TXN_DIR_OUT,
+                    'amount' => $amountMinor,
+                    'balance_before' => $before,
+                    'balance_after' => $after,
+                    'status' => self::TXN_POSTED,
+                    'external_ref_no' => null,
+                    'idempotent_key' => $idempotentKey,
+                    'remark' => null,
+                ]);
+            });
+        } catch (WalletOperationException $e) {
+            if ($e->lotteryCode === ErrorCode::WalletInsufficientBalance->value) {
+                $order->forceFill([
+                    'status' => self::ST_FAILED,
+                    'fail_reason' => 'insufficient_balance',
+                    'finished_at' => now(),
+                ])->save();
+            }
+
+            throw $e;
+        }
+
+        $main = $this->mainSite->creditMainForLotteryWithdraw($player, $currencyCode, $amountMinor, $idempotentKey);
+
+        if (! $main->ok) {
+            if ($main->uncertain) {
+                DB::transaction(function () use ($player, $transferNo, $order, $main): void {
+                    WalletTxn::query()
+                        ->where('player_id', $player->id)
+                        ->where('biz_no', $transferNo)
+                        ->where('biz_type', self::BIZ_TRANSFER_OUT)
+                        ->update(['status' => self::TXN_PENDING_RECONCILE]);
+
+                    $order->forceFill([
+                        'status' => self::ST_PENDING_RECONCILE,
+                        'external_request_payload' => $main->requestPayload,
+                        'external_response_payload' => $main->responsePayload,
+                        'fail_reason' => 'main_site_timeout',
+                        'finished_at' => null,
+                    ])->save();
+                });
+
+                throw new WalletOperationException(
+                    'pending_reconcile',
+                    ErrorCode::WalletTransferPending->value,
+                    409,
+                );
+            }
+
+            DB::transaction(function () use ($player, $currencyCode, $amountMinor, $transferNo, $idempotentKey, $order, $main): void {
+                $wallet = $this->lockLotteryWallet($player, $currencyCode);
+                $before = (int) $wallet->balance;
+                $after = $before + $amountMinor;
+                $wallet->forceFill([
+                    'balance' => $after,
+                    'version' => (int) $wallet->version + 1,
+                ])->save();
+
+                WalletTxn::query()->create([
+                    'txn_no' => $this->newTxnNo(),
+                    'player_id' => $player->id,
+                    'wallet_id' => $wallet->id,
+                    'biz_type' => self::BIZ_TRANSFER_OUT_REFUND,
+                    'biz_no' => $transferNo,
+                    'direction' => self::TXN_DIR_IN,
+                    'amount' => $amountMinor,
+                    'balance_before' => $before,
+                    'balance_after' => $after,
+                    'status' => self::TXN_POSTED,
+                    'external_ref_no' => null,
+                    'idempotent_key' => $idempotentKey,
+                    'remark' => 'withdraw_failed_refund',
+                ]);
+
+                $order->forceFill([
+                    'status' => self::ST_FAILED,
+                    'external_request_payload' => $main->requestPayload,
+                    'external_response_payload' => $main->responsePayload,
+                    'fail_reason' => $main->errorMessage ?? 'main_site_failed',
+                    'finished_at' => now(),
+                ])->save();
+            });
+
+            throw new WalletOperationException(
+                $main->errorMessage ?? 'main_site_failed',
+                ErrorCode::WalletExternalRejected->value,
+            );
+        }
+
+        $order->forceFill([
+            'status' => self::ST_SUCCESS,
+            'external_ref_no' => $main->externalRefNo,
+            'external_request_payload' => $main->requestPayload,
+            'external_response_payload' => $main->responsePayload,
+            'finished_at' => now(),
+        ])->save();
+
+        return $this->successPayload(
+            TransferOrder::query()->where('transfer_no', $transferNo)->firstOrFail(),
+            $player,
+            $currencyCode,
+            self::BIZ_TRANSFER_OUT,
+        );
+    }
+
+    /**
+     * @return array<string, mixed>
+     */
+    private function existingOrderResponse(
+        TransferOrder $order,
+        Player $player,
+        string $expectedDirection,
+        string $currencyCode,
+        int $amountMinor,
+    ): array {
+        if ((int) $order->player_id !== (int) $player->id
+            || $order->direction !== $expectedDirection
+            || strtoupper($order->currency_code) !== $currencyCode
+            || (int) $order->amount !== $amountMinor
+        ) {
+            throw new WalletOperationException(
+                'idempotent_conflict',
+                ErrorCode::WalletIdempotentConflict->value,
+            );
+        }
+
+        return match ($order->status) {
+            self::ST_SUCCESS => $this->successPayload(
+                $order,
+                $player,
+                $currencyCode,
+                $expectedDirection === self::DIR_IN ? self::BIZ_TRANSFER_IN : self::BIZ_TRANSFER_OUT,
+            ),
+            self::ST_PROCESSING => throw new WalletOperationException(
+                'pending',
+                ErrorCode::WalletTransferPending->value,
+                409,
+            ),
+            self::ST_PENDING_RECONCILE => throw new WalletOperationException(
+                'pending_reconcile',
+                ErrorCode::WalletTransferPending->value,
+                409,
+            ),
+            self::ST_FAILED => throw $this->failedOrderToException($order),
+            default => throw new WalletOperationException(
+                'unknown_order_status',
+                ErrorCode::WalletExternalRejected->value,
+            ),
+        };
+    }
+
+    /**
+     * @return array<string, mixed>
+     */
+    private function successPayload(TransferOrder $order, Player $player, string $currencyCode, string $primaryBizType): array
+    {
+        $wallet = PlayerWallet::query()->where([
+            'player_id' => $player->id,
+            'wallet_type' => self::WALLET_TYPE_LOTTERY,
+            'currency_code' => $currencyCode,
+        ])->first();
+
+        $balance = $wallet !== null ? (int) $wallet->balance : 0;
+        $frozen = $wallet !== null ? (int) $wallet->frozen_balance : 0;
+
+        $logId = WalletTxn::query()
+            ->where('player_id', $player->id)
+            ->where('biz_no', $order->transfer_no)
+            ->where('biz_type', $primaryBizType)
+            ->value('txn_no');
+
+        return [
+            'transfer_no' => $order->transfer_no,
+            'direction' => $order->direction,
+            'currency_code' => $order->currency_code,
+            'amount' => (int) $order->amount,
+            'status' => $order->status,
+            'external_ref_no' => $order->external_ref_no,
+            /** PRD §10.1.1 示例字段名 */
+            'balance' => $balance,
+            'log_id' => $logId,
+            'lottery_balance_after' => $balance,
+            'lottery_available_after' => max(0, $balance - $frozen),
+            'finished_at' => $order->finished_at?->toIso8601String(),
+        ];
+    }
+
+    private function lockLotteryWallet(Player $player, string $currencyCode): PlayerWallet
+    {
+        $wallet = PlayerWallet::query()
+            ->where([
+                'player_id' => $player->id,
+                'wallet_type' => self::WALLET_TYPE_LOTTERY,
+                'currency_code' => $currencyCode,
+            ])
+            ->lockForUpdate()
+            ->first();
+
+        if ($wallet === null) {
+            return PlayerWallet::query()->create([
+                'player_id' => $player->id,
+                'wallet_type' => self::WALLET_TYPE_LOTTERY,
+                'currency_code' => $currencyCode,
+                'balance' => 0,
+                'frozen_balance' => 0,
+                'status' => 0,
+                'version' => 0,
+            ]);
+        }
+
+        if ((int) $wallet->status !== 0) {
+            throw new WalletOperationException(
+                'lottery_wallet_frozen',
+                ErrorCode::WalletLotteryFrozen->value,
+            );
+        }
+
+        return $wallet;
+    }
+
+    /**
+     * 转出扣款前钱包必须存在且余额足够；若不存在则余额视为 0。
+     */
+    private function assertLotteryWalletNotFrozen(Player $player, string $currencyCode): void
+    {
+        $wallet = PlayerWallet::query()->where([
+            'player_id' => $player->id,
+            'wallet_type' => self::WALLET_TYPE_LOTTERY,
+            'currency_code' => $currencyCode,
+        ])->first();
+
+        if ($wallet !== null && (int) $wallet->status !== 0) {
+            throw new WalletOperationException(
+                'lottery_wallet_frozen',
+                ErrorCode::WalletLotteryFrozen->value,
+            );
+        }
+    }
+
+    private function assertPositiveAmount(int $amountMinor): void
+    {
+        if ($amountMinor < 1) {
+            throw new WalletOperationException(
+                'invalid_amount',
+                ErrorCode::WalletInvalidAmount->value,
+            );
+        }
+    }
+
+    private function normalizeCurrency(string $code): string
+    {
+        return strtoupper(substr(trim($code), 0, 16));
+    }
+
+    private function assertCurrencyEnabled(string $currencyCode): void
+    {
+        if (! preg_match('/^[A-Z0-9]{1,16}$/', $currencyCode)) {
+            throw new WalletOperationException(
+                'invalid_currency',
+                ErrorCode::WalletInvalidCurrency->value,
+            );
+        }
+
+        $ok = Currency::query()->where('code', $currencyCode)->where('is_enabled', true)->exists();
+        if (! $ok) {
+            throw new WalletOperationException(
+                'invalid_currency',
+                ErrorCode::WalletInvalidCurrency->value,
+            );
+        }
+    }
+
+    private function assertTransferInEnabled(): void
+    {
+        if (! (bool) LotterySettings::get('wallet.transfer_in_enabled', true)) {
+            throw new WalletOperationException(
+                'transfer_in_disabled',
+                ErrorCode::WalletTransferInDisabled->value,
+            );
+        }
+    }
+
+    private function assertTransferOutEnabled(): void
+    {
+        if (! (bool) LotterySettings::get('wallet.transfer_out_enabled', true)) {
+            throw new WalletOperationException(
+                'transfer_out_disabled',
+                ErrorCode::WalletTransferOutDisabled->value,
+            );
+        }
+    }
+
+    /**
+     * PRD §6.2：最小/最大金额（最小货币单位）；可按币种覆盖 JSON。
+     *
+     * @see LotterySettingsSeeder 默认键；可选 `wallet.transfer_limits_by_currency` = {"NPR":{"in_min":100,...}}
+     */
+    private function assertTransferAmountLimits(string $direction, string $currencyCode, int $amountMinor): void
+    {
+        $limits = $this->transferLimitsForCurrency($currencyCode);
+        $min = $direction === self::DIR_IN ? $limits['in_min'] : $limits['out_min'];
+        $max = $direction === self::DIR_IN ? $limits['in_max'] : $limits['out_max'];
+
+        if ($amountMinor < $min || $amountMinor > $max) {
+            throw new WalletOperationException(
+                'amount_out_of_limits',
+                ErrorCode::WalletAmountExceedsLimit->value,
+            );
+        }
+    }
+
+    /**
+     * @return array{in_min: int, in_max: int, out_min: int, out_max: int}
+     */
+    private function transferLimitsForCurrency(string $currencyCode): array
+    {
+        $defaults = [
+            'in_min' => max(1, (int) LotterySettings::get('wallet.transfer_in_min_minor', 100)),
+            'in_max' => (int) LotterySettings::get('wallet.transfer_in_max_minor', 9_999_999_999_999_999),
+            'out_min' => max(1, (int) LotterySettings::get('wallet.transfer_out_min_minor', 100)),
+            'out_max' => (int) LotterySettings::get('wallet.transfer_out_max_minor', 9_999_999_999_999_999),
+        ];
+
+        $raw = LotterySettings::get('wallet.transfer_limits_by_currency');
+        if (is_string($raw)) {
+            $raw = json_decode($raw, true);
+        }
+        if (! is_array($raw) || ! isset($raw[$currencyCode]) || ! is_array($raw[$currencyCode])) {
+            return $defaults;
+        }
+
+        $patch = $raw[$currencyCode];
+
+        return [
+            'in_min' => isset($patch['in_min']) ? max(1, (int) $patch['in_min']) : $defaults['in_min'],
+            'in_max' => isset($patch['in_max']) ? max(1, (int) $patch['in_max']) : $defaults['in_max'],
+            'out_min' => isset($patch['out_min']) ? max(1, (int) $patch['out_min']) : $defaults['out_min'],
+            'out_max' => isset($patch['out_max']) ? max(1, (int) $patch['out_max']) : $defaults['out_max'],
+        ];
+    }
+
+    private function newTransferNo(string $prefix): string
+    {
+        return $prefix.'_'.Str::lower(str_replace('-', '', Str::uuid()->toString()));
+    }
+
+    private function newTxnNo(): string
+    {
+        return 'WX_'.Str::lower(str_replace('-', '', Str::uuid()->toString()));
+    }
+
+    private function failedOrderToException(TransferOrder $order): WalletOperationException
+    {
+        if (($order->fail_reason ?? '') === 'insufficient_balance') {
+            return new WalletOperationException(
+                'insufficient_balance',
+                ErrorCode::WalletInsufficientBalance->value,
+            );
+        }
+
+        return new WalletOperationException(
+            (string) ($order->fail_reason ?? 'failed'),
+            ErrorCode::WalletExternalRejected->value,
+        );
+    }
+}
diff --git a/app/Services/Wallet/MainSiteWalletGateway.php b/app/Services/Wallet/MainSiteWalletGateway.php
new file mode 100644
index 0000000..0409875
--- /dev/null
+++ b/app/Services/Wallet/MainSiteWalletGateway.php
@@ -0,0 +1,33 @@
+<?php
+
+namespace App\Services\Wallet;
+
+use App\Models\Player;
+
+/**
+ * 主站钱包对接：转入时扣主站余额，转出时给主站加款。
+ *
+ * 幂等键由彩票侧生成并与 transfer_orders.idempotent_key 对齐，主站应按同一键去重。
+ */
+interface MainSiteWalletGateway
+{
+    /**
+     * 转入场景：主站钱包扣款 → 彩票钱包加款。
+     */
+    public function debitMainForLotteryDeposit(
+        Player $player,
+        string $currencyCode,
+        int $amountMinor,
+        string $idempotentKey,
+    ): MainSiteWalletResult;
+
+    /**
+     * 转出场景：给主站钱包加款（彩票侧已在本地扣减）。
+     */
+    public function creditMainForLotteryWithdraw(
+        Player $player,
+        string $currencyCode,
+        int $amountMinor,
+        string $idempotentKey,
+    ): MainSiteWalletResult;
+}
diff --git a/app/Services/Wallet/MainSiteWalletResult.php b/app/Services/Wallet/MainSiteWalletResult.php
new file mode 100644
index 0000000..c6dbb47
--- /dev/null
+++ b/app/Services/Wallet/MainSiteWalletResult.php
@@ -0,0 +1,36 @@
+<?php
+
+namespace App\Services\Wallet;
+
+use App\Models\TransferOrder;
+
+/**
+ * 调用主站钱包 HTTP 后的统一结果（转入扣主站 / 转出加主站）。
+ */
+final readonly class MainSiteWalletResult
+{
+    public function __construct(
+        public bool $ok,
+        public ?string $externalRefNo,
+        /** @var array<string, mixed>|null */
+        public ?array $responsePayload,
+        /** 发往主站的 JSON 请求体快照，写入 {@see TransferOrder::external_request_payload} */
+        public ?array $requestPayload,
+        public ?string $errorMessage,
+        /**
+         * 网络超时/连接类不确定结果：由 {@see HttpMainSiteWalletGateway} 设置，上层将订单标为 pending_reconcile，
+         * 不重复扣加款（PRD §6.2 / §6.7）。
+         */
+        public bool $uncertain = false,
+    ) {}
+
+    public static function success(?string $ref, ?array $payload = null, ?array $requestPayload = null): self
+    {
+        return new self(true, $ref, $payload, $requestPayload, null, false);
+    }
+
+    public static function failure(string $message, ?array $payload = null, bool $uncertain = false, ?array $requestPayload = null): self
+    {
+        return new self(false, null, $payload, $requestPayload, $message, $uncertain);
+    }
+}
diff --git a/app/Services/Wallet/StubMainSiteWalletGateway.php b/app/Services/Wallet/StubMainSiteWalletGateway.php
new file mode 100644
index 0000000..c5ff6fb
--- /dev/null
+++ b/app/Services/Wallet/StubMainSiteWalletGateway.php
@@ -0,0 +1,65 @@
+<?php
+
+namespace App\Services\Wallet;
+
+use App\Models\Player;
+
+/**
+ * 未配置 `MAIN_SITE_WALLET_API_URL` 或仅本地联调时使用：主站永远返回成功。
+ */
+final class StubMainSiteWalletGateway implements MainSiteWalletGateway
+{
+    public function debitMainForLotteryDeposit(
+        Player $player,
+        string $currencyCode,
+        int $amountMinor,
+        string $idempotentKey,
+    ): MainSiteWalletResult {
+        $req = self::requestSnapshot($player, $currencyCode, $amountMinor, $idempotentKey, 'stub_debit');
+
+        return MainSiteWalletResult::success('stub-debit:'.$idempotentKey, [
+            'stub' => true,
+            'currency' => $currencyCode,
+            'amount_minor' => $amountMinor,
+        ], $req);
+    }
+
+    public function creditMainForLotteryWithdraw(
+        Player $player,
+        string $currencyCode,
+        int $amountMinor,
+        string $idempotentKey,
+    ): MainSiteWalletResult {
+        $req = self::requestSnapshot($player, $currencyCode, $amountMinor, $idempotentKey, 'stub_credit');
+
+        return MainSiteWalletResult::success('stub-credit:'.$idempotentKey, [
+            'stub' => true,
+            'currency' => $currencyCode,
+            'amount_minor' => $amountMinor,
+        ], $req);
+    }
+
+    /**
+     * @return array<string, mixed>
+     */
+    private static function requestSnapshot(
+        Player $player,
+        string $currencyCode,
+        int $amountMinor,
+        string $idempotentKey,
+        string $stubOp,
+    ): array {
+        return [
+            'site_code' => $player->site_code,
+            'site_player_id' => $player->site_player_id,
+            'player_id' => $player->id,
+            'currency_code' => $currencyCode,
+            'amount_minor' => $amountMinor,
+            'idempotent_key' => $idempotentKey,
+            '_meta' => [
+                'stub' => true,
+                'operation' => $stubOp,
+            ],
+        ];
+    }
+}
diff --git a/app/Support/LotteryMessage.php b/app/Support/LotteryMessage.php
index 468f6ef..992c81f 100644
--- a/app/Support/LotteryMessage.php
+++ b/app/Support/LotteryMessage.php
@@ -9,16 +9,35 @@ use Illuminate\Http\Request;
  * 【业务文案翻译辅助类】
  *
  * 从 lang/{locale}/sso.php 等语言包取字符串，供 JSON 里「msg」字段使用。
- * `App\Lottery\ErrorCode` 中玩家 SSO 段（8001–8004）的各语言 `msg`。
+ * `App\Lottery\ErrorCode` 中玩家 SSO 段（8001–8005）的各语言 `msg`。
  *
  * 依赖 NegotiateLotteryLocale 已写入 lottery_locale；若未写则使用 fallback 语言包。
  */
 final class LotteryMessage
 {
+    /**
+     * 取钱包划转类错误的用户可见文案（lang/{locale}/wallet.php 键名为数字错误码）。
+     *
+     * @param  int  $code  {@see ErrorCode} 钱包段（1001–1010 等与钱包相关的业务码）
+     */
+    public static function wallet(Request $request, int $code): string
+    {
+        $fallback = (string) config('lottery.locales.fallback', 'en');
+        $locale = (string) ($request->attributes->get('lottery_locale') ?? LotteryLocale::resolve($request));
+        $key = 'wallet.'.$code;
+
+        $msg = trans($key, [], $locale);
+        if ($msg !== $key) {
+            return $msg;
+        }
+
+        return trans($key, [], $fallback);
+    }
+
     /**
      * 取 SSO 鉴权类错误的用户可见文案（与 ApiResponse 的 msg 对应）。
      *
-     * @param  int  $code  {@see ErrorCode} 玩家 SSO 段（8001–8004）
+     * @param  int  $code  {@see ErrorCode} 玩家 SSO 段（8001–8005）
      */
     public static function sso(Request $request, int $code): string
     {
diff --git a/config/lottery.php b/config/lottery.php
index bb89922..cfbccf8 100644
--- a/config/lottery.php
+++ b/config/lottery.php
@@ -30,14 +30,17 @@ return [
         'wallet_api_url' => env('MAIN_SITE_WALLET_API_URL'),
         'wallet_api_key' => env('MAIN_SITE_WALLET_API_KEY'),
         'wallet_timeout' => (int) env('MAIN_SITE_WALLET_TIMEOUT', 10),
+        /** 主站钱包 HTTP 相对路径（拼接在 wallet_api_url 后）；Stub 模式下忽略 */
+        'wallet_debit_path' => env('MAIN_SITE_WALLET_DEBIT_PATH', '/wallet/debit-for-lottery'),
+        'wallet_credit_path' => env('MAIN_SITE_WALLET_CREDIT_PATH', '/wallet/credit-from-lottery'),
     ],
 
     /*
     | player_auth：配合 app/Services/PlayerTokenResolver.php
     |
     | dev_bypass：仅当 APP_ENV∈{local, testing} 且 LOTTERY_PLAYER_AUTH_DEV_BYPASS=true 时，
-    |            允许 Authorization: Bearer dev:{players.id}
-    | jwt.*    ：主站签发的 JWT 内取站点、玩家字段的路径名（与主站约定一致）
+    |            允许 Authorization: Bearer dev:{players.id}（否则 dev: 会被当成 JWT 解析并报 8002）
+    | jwt.*    ：主站签发的 JWT 内取站点、玩家字段的路径名（与主站约定一致）；验签通过后若无映射行则自动建档
     */
     'player_auth' => [
         'dev_bypass' => env('LOTTERY_PLAYER_AUTH_DEV_BYPASS', false),
diff --git a/database/seeders/LotterySettingsSeeder.php b/database/seeders/LotterySettingsSeeder.php
index f138371..d91335d 100644
--- a/database/seeders/LotterySettingsSeeder.php
+++ b/database/seeders/LotterySettingsSeeder.php
@@ -26,6 +26,34 @@ class LotterySettingsSeeder extends Seeder
             '是否允许玩家端发起转出',
         );
 
+        LotterySettings::put(
+            'wallet.transfer_in_min_minor',
+            100,
+            'wallet',
+            '转入单笔最小金额（最小货币单位）',
+        );
+
+        LotterySettings::put(
+            'wallet.transfer_in_max_minor',
+            9_999_999_999_999_999,
+            'wallet',
+            '转入单笔最大金额（最小货币单位）',
+        );
+
+        LotterySettings::put(
+            'wallet.transfer_out_min_minor',
+            100,
+            'wallet',
+            '转出单笔最小金额',
+        );
+
+        LotterySettings::put(
+            'wallet.transfer_out_max_minor',
+            9_999_999_999_999_999,
+            'wallet',
+            '转出单笔最大金额',
+        );
+
         LotterySettings::put(
             'app.display_name_for_client',
             'Lottery',
diff --git a/lang/en/sso.php b/lang/en/sso.php
index aa7d0f2..1e2835d 100644
--- a/lang/en/sso.php
+++ b/lang/en/sso.php
@@ -11,4 +11,5 @@ return [
     '8002' => 'Token invalid or expired', // JWT 无效、过期或 dev: 格式错误等
     '8003' => 'Player not registered', // 库中无对应玩家
     '8004' => 'SSO secret not configured', // 未配置 MAIN_SITE_SSO_JWT_SECRET（通常返回 503）
+    '8005' => 'Account suspended or login disabled',
 ];
diff --git a/lang/en/wallet.php b/lang/en/wallet.php
index ef9eff4..534b04c 100644
--- a/lang/en/wallet.php
+++ b/lang/en/wallet.php
@@ -3,4 +3,15 @@
 /** PRD 钱包段多语言；NegotiateLotteryLocale 后由 __() 选用 */
 return [
     'invalid_currency' => 'Invalid currency code',
+
+    '1001' => 'Insufficient lottery wallet balance',
+    '1002' => 'A previous transfer is still processing; please retry shortly',
+    '1003' => 'Amount exceeds the allowed limit',
+    '1004' => 'Deposits are temporarily disabled',
+    '1005' => 'Invalid or disabled currency',
+    '1006' => 'Withdrawals are temporarily disabled',
+    '1007' => 'Lottery wallet is frozen; transfers are blocked',
+    '1008' => 'Invalid amount; enter a positive integer in minor units',
+    '1009' => 'Main wallet operation failed; please try again later',
+    '1010' => 'Do not reuse an idempotency key with different transfer parameters',
 ];
diff --git a/lang/ne/sso.php b/lang/ne/sso.php
index 7453bf1..c4796bb 100644
--- a/lang/ne/sso.php
+++ b/lang/ne/sso.php
@@ -8,4 +8,5 @@ return [
     '8002' => 'टोकन अमान्य वा समयावधि सकियो',
     '8003' => 'खेलाडी दर्ता छैन',
     '8004' => 'SSO गोप्य सेट छैन',
+    '8005' => 'खाता निलम्बित वा लगइन असक्षम',
 ];
diff --git a/lang/ne/wallet.php b/lang/ne/wallet.php
index 43e68c3..75c9c51 100644
--- a/lang/ne/wallet.php
+++ b/lang/ne/wallet.php
@@ -2,4 +2,15 @@
 
 return [
     'invalid_currency' => 'मुद्रा कोड अमान्य',
+
+    '1001' => 'लटरी वालेट ब्यालेन्स अपर्याप्त',
+    '1002' => 'अघिल्लो स्थानान्तरण अझै प्रक्रियामा छ, पछि प्रयास गर्नुहोस्',
+    '1003' => 'रकम सीमा नाघ्यो',
+    '1004' => 'जम्मा अस्थायी रूपमा बन्द छ',
+    '1005' => 'मुद्रा अमान्य वा असक्षम',
+    '1006' => 'निकासी अस्थायी रूपमा बन्द छ',
+    '1007' => 'लटरी वालेट फ्रोजन छ',
+    '1008' => 'रकम अमान्य',
+    '1009' => 'मुख्य वालेट असफल, पछि प्रयास गर्नुहोस्',
+    '1010' => 'एउटै कुञ्जी दोहोर्याउनुहुन्न',
 ];
diff --git a/lang/zh/sso.php b/lang/zh/sso.php
index 30d728a..1742825 100644
--- a/lang/zh/sso.php
+++ b/lang/zh/sso.php
@@ -8,4 +8,5 @@ return [
     '8002' => '令牌无效或已过期',
     '8003' => '玩家未建档',
     '8004' => '未配置 SSO 密钥',
+    '8005' => '账号已冻结或暂时无法登录',
 ];
diff --git a/lang/zh/wallet.php b/lang/zh/wallet.php
index be32209..8398480 100644
--- a/lang/zh/wallet.php
+++ b/lang/zh/wallet.php
@@ -2,4 +2,15 @@
 
 return [
     'invalid_currency' => '币种参数不合法',
+
+    '1001' => '彩票钱包余额不足',
+    '1002' => '上一笔转账仍在处理中，请稍后重试',
+    '1003' => '单笔金额超出允许范围',
+    '1004' => '转入功能已暂时关闭',
+    '1005' => '币种无效或未启用',
+    '1006' => '转出功能已暂时关闭',
+    '1007' => '彩票钱包已冻结，无法划转',
+    '1008' => '金额无效，请输入正整数（最小货币单位）',
+    '1009' => '主站钱包处理失败，请稍后重试',
+    '1010' => '请勿重复使用幂等键发起不同金额的转账',
 ];
diff --git a/routes/api.php b/routes/api.php
index 2c0fae0..36042c0 100644
--- a/routes/api.php
+++ b/routes/api.php
@@ -3,10 +3,16 @@
 use App\Http\Controllers\Api\V1\Admin\Auth\CaptchaController;
 use App\Http\Controllers\Api\V1\Admin\Auth\LoginController;
 use App\Http\Controllers\Api\V1\Admin\PingController as AdminPingController;
+use App\Http\Controllers\Api\V1\Admin\Player\PlayerWalletShowController;
+use App\Http\Controllers\Api\V1\Admin\Wallet\TransferOrderListController;
+use App\Http\Controllers\Api\V1\Admin\Wallet\WalletTransactionListController;
 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 App\Http\Controllers\Api\V1\Wallet\WalletLogsController;
+use App\Http\Controllers\Api\V1\Wallet\WalletTransferInController;
+use App\Http\Controllers\Api\V1\Wallet\WalletTransferOutController;
 use Illuminate\Support\Facades\Route;
 
 /*
@@ -37,6 +43,12 @@ Route::prefix('v1')->group(function (): void {
             ->group(function (): void {
                 // 名称：彩票钱包余额查询
                 Route::get('balance', WalletBalanceController::class)->name('balance');
+                // 名称：钱包流水（PRD §10.1.1）
+                Route::get('logs', WalletLogsController::class)->name('logs');
+                // 名称：主站 → 彩票 转入
+                Route::post('transfer-in', WalletTransferInController::class)->name('transfer-in');
+                // 名称：彩票 → 主站 转出
+                Route::post('transfer-out', WalletTransferOutController::class)->name('transfer-out');
             });
     });
 
@@ -54,6 +66,13 @@ Route::prefix('v1')->group(function (): void {
             Route::middleware(['auth:sanctum', 'lottery.admin'])->group(function (): void {
                 // 名称：后台接口连通性探测（需 Bearer Token）
                 Route::get('ping', AdminPingController::class)->name('ping');
+                // 资金：转账单 / 流水 / 玩家钱包
+                Route::get('wallet/transfer-orders', TransferOrderListController::class)
+                    ->name('wallet.transfer-orders');
+                Route::get('wallet/transactions', WalletTransactionListController::class)
+                    ->name('wallet.transactions');
+                Route::get('players/{player}/wallets', PlayerWalletShowController::class)
+                    ->name('players.wallets');
             });
         });
 });
diff --git a/tests/Feature/AdminWalletApiTest.php b/tests/Feature/AdminWalletApiTest.php
new file mode 100644
index 0000000..feacfa5
--- /dev/null
+++ b/tests/Feature/AdminWalletApiTest.php
@@ -0,0 +1,205 @@
+<?php
+
+use App\Lottery\ErrorCode;
+use App\Models\AdminUser;
+use App\Models\Player;
+use App\Models\PlayerWallet;
+use App\Models\TransferOrder;
+use App\Models\WalletTxn;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+use Illuminate\Support\Facades\Hash;
+
+uses(RefreshDatabase::class);
+
+function makeAdminToken(): string
+{
+    $admin = AdminUser::query()->create([
+        'username' => 'wallet_admin',
+        'name' => 'Wallet',
+        'email' => null,
+        'password' => Hash::make('secret-strong'),
+        'status' => 0,
+    ]);
+
+    return $admin->createToken('test', ['*'], now()->addDay())->plainTextToken;
+}
+
+test('admin wallet transfer orders list requires authentication', function (): void {
+    $this->getJson('/api/v1/admin/wallet/transfer-orders')
+        ->assertUnauthorized()
+        ->assertJsonPath('code', ErrorCode::AdminUnauthenticated->value);
+});
+
+test('admin lists transfer orders with player info', function (): void {
+    $token = makeAdminToken();
+
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'p99',
+        'username' => 'u99',
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    TransferOrder::query()->create([
+        'transfer_no' => 'TI_test_order_1',
+        'player_id' => $player->id,
+        'direction' => 'in',
+        'currency_code' => 'NPR',
+        'amount' => 1000,
+        'idempotent_key' => 'adm-test-1',
+        'status' => 'success',
+        'external_request_payload' => null,
+        'external_response_payload' => null,
+        'external_ref_no' => 'ref1',
+        'fail_reason' => null,
+        'finished_at' => now(),
+    ]);
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->getJson('/api/v1/admin/wallet/transfer-orders?per_page=10')
+        ->assertOk()
+        ->assertJsonPath('code', ErrorCode::Success->value)
+        ->assertJsonPath('data.total', 1)
+        ->assertJsonPath('data.items.0.transfer_no', 'TI_test_order_1')
+        ->assertJsonPath('data.items.0.site_player_id', 'p99')
+        ->assertJsonPath('data.items.0.status', 'success');
+});
+
+test('admin filters abnormal transfer orders', function (): void {
+    $token = makeAdminToken();
+
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'pa',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    foreach (
+        [
+            ['TI_ok', 'success'],
+            ['TI_bad', 'failed'],
+            ['TI_wait', 'pending_reconcile'],
+        ] as [$no, $st]
+    ) {
+        TransferOrder::query()->create([
+            'transfer_no' => $no,
+            'player_id' => $player->id,
+            'direction' => 'in',
+            'currency_code' => 'NPR',
+            'amount' => 100,
+            'idempotent_key' => 'k-'.$no,
+            'status' => $st,
+            'external_request_payload' => null,
+            'external_response_payload' => null,
+            'external_ref_no' => null,
+            'fail_reason' => null,
+            'finished_at' => $st === 'success' ? now() : null,
+        ]);
+    }
+
+    $resp = $this->withHeader('Authorization', 'Bearer '.$token)
+        ->getJson('/api/v1/admin/wallet/transfer-orders?abnormal=1');
+
+    $resp->assertOk()->assertJsonPath('data.total', 2);
+});
+
+test('admin lists wallet transactions and filters abnormal', function (): void {
+    $token = makeAdminToken();
+
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'pb',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $wallet = PlayerWallet::query()->create([
+        'player_id' => $player->id,
+        'wallet_type' => 'lottery',
+        'currency_code' => 'NPR',
+        'balance' => 5000,
+        'frozen_balance' => 0,
+        'status' => 0,
+        'version' => 1,
+    ]);
+
+    WalletTxn::query()->create([
+        'txn_no' => 'WX_posted_1',
+        'player_id' => $player->id,
+        'wallet_id' => $wallet->id,
+        'biz_type' => 'transfer_in',
+        'biz_no' => 'TI_x',
+        'direction' => 1,
+        'amount' => 100,
+        'balance_before' => 0,
+        'balance_after' => 100,
+        'status' => 'posted',
+        'external_ref_no' => null,
+        'idempotent_key' => 'ik1',
+        'remark' => null,
+    ]);
+
+    WalletTxn::query()->create([
+        'txn_no' => 'WX_pending_1',
+        'player_id' => $player->id,
+        'wallet_id' => $wallet->id,
+        'biz_type' => 'transfer_out',
+        'biz_no' => 'TO_x',
+        'direction' => 2,
+        'amount' => 50,
+        'balance_before' => 100,
+        'balance_after' => 50,
+        'status' => 'pending_reconcile',
+        'external_ref_no' => null,
+        'idempotent_key' => 'ik2',
+        'remark' => null,
+    ]);
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->getJson('/api/v1/admin/wallet/transactions')
+        ->assertOk()
+        ->assertJsonPath('data.total', 2);
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->getJson('/api/v1/admin/wallet/transactions?abnormal=1')
+        ->assertOk()
+        ->assertJsonPath('data.total', 1)
+        ->assertJsonPath('data.items.0.status', 'pending_reconcile');
+});
+
+test('admin shows player wallets', function (): void {
+    $token = makeAdminToken();
+
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'pc',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    PlayerWallet::query()->create([
+        'player_id' => $player->id,
+        'wallet_type' => 'lottery',
+        'currency_code' => 'NPR',
+        'balance' => 77700,
+        'frozen_balance' => 0,
+        'status' => 0,
+        'version' => 0,
+    ]);
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->getJson('/api/v1/admin/players/'.$player->id.'/wallets')
+        ->assertOk()
+        ->assertJsonPath('data.player.site_player_id', 'pc')
+        ->assertJsonPath('data.wallets.0.balance', 77700)
+        ->assertJsonPath('data.wallets.0.available_balance', 77700);
+});
diff --git a/tests/Feature/PlayerFoundationTest.php b/tests/Feature/PlayerFoundationTest.php
index 4269800..54e8d39 100644
--- a/tests/Feature/PlayerFoundationTest.php
+++ b/tests/Feature/PlayerFoundationTest.php
@@ -18,13 +18,26 @@ test('player me returns profile with dev bearer', function () {
         'status' => 0,
     ]);
 
-    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+    $this->withHeaders([
+        'Authorization' => 'Bearer dev:'.$player->id,
+        'X-Locale' => 'zh',
+    ])
         ->getJson('/api/v1/player/me')
         ->assertOk()
         ->assertJsonPath('code', ErrorCode::Success->value)
         ->assertJsonPath('data.id', $player->id)
         ->assertJsonPath('data.site_player_id', 'uid-42')
-        ->assertJsonPath('data.username', 'alice');
+        ->assertJsonPath('data.username', 'alice')
+        ->assertJsonPath('data.locale', 'zh')
+        ->assertJsonStructure([
+            'data' => [
+                'last_login_at',
+                'created_at',
+            ],
+        ]);
+
+    $player->refresh();
+    expect($player->last_login_at)->not->toBeNull();
 });
 
 test('player auth missing bearer returns localized sso 8001', function () {
@@ -68,3 +81,45 @@ test('player me works with main site jwt when dev bypass is off', function () {
         ->assertOk()
         ->assertJsonPath('data.site_player_id', 'jwt-user-1');
 });
+
+test('jwt first successful login auto-registers player mapping', function () {
+    config(['lottery.player_auth.dev_bypass' => false]);
+    config(['lottery.main_site.sso_jwt_secret' => 'jwt-test-secret']);
+
+    expect(Player::query()->count())->toBe(0);
+
+    $jwt = JWT::encode([
+        'site_code' => 'main',
+        'site_player_id' => 'brand-new-sso-1',
+        'exp' => time() + 3600,
+    ], 'jwt-test-secret', 'HS256');
+
+    $this->withHeader('Authorization', 'Bearer '.$jwt)
+        ->getJson('/api/v1/player/me')
+        ->assertOk()
+        ->assertJsonPath('data.site_player_id', 'brand-new-sso-1')
+        ->assertJsonPath('data.default_currency', 'NPR');
+
+    expect(Player::query()->where('site_player_id', 'brand-new-sso-1')->count())->toBe(1);
+});
+
+test('player me rejects non-active status with 8005', function () {
+    $code = ErrorCode::PlayerAccountSuspended->value;
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'frozen-1',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 1,
+    ]);
+
+    $this->withHeaders([
+        'Authorization' => 'Bearer dev:'.$player->id,
+        'Accept-Language' => 'zh-CN,zh;q=0.9',
+    ])
+        ->getJson('/api/v1/player/me')
+        ->assertStatus(403)
+        ->assertJsonPath('code', $code)
+        ->assertJsonPath('msg', __("sso.$code", [], 'zh'));
+});
diff --git a/tests/Feature/WalletBalanceTest.php b/tests/Feature/WalletBalanceTest.php
index e0eaf41..66d3d7b 100644
--- a/tests/Feature/WalletBalanceTest.php
+++ b/tests/Feature/WalletBalanceTest.php
@@ -25,6 +25,7 @@ test('wallet balance creates lottery wallet row and returns zeros', function ()
     $response->assertOk()
         ->assertJsonPath('code', ErrorCode::Success->value)
         ->assertJsonPath('data.balance', 0)
+        ->assertJsonPath('data.available_balance', 0)
         ->assertJsonPath('data.frozen_balance', 0)
         ->assertJsonPath('data.currency_code', 'NPR')
         ->assertJsonPath('data.wallet_type', 'lottery')
diff --git a/tests/Feature/WalletLogsTest.php b/tests/Feature/WalletLogsTest.php
new file mode 100644
index 0000000..fb7c5b4
--- /dev/null
+++ b/tests/Feature/WalletLogsTest.php
@@ -0,0 +1,82 @@
+<?php
+
+use App\Lottery\ErrorCode;
+use App\Models\Player;
+use App\Models\PlayerWallet;
+use App\Models\WalletTxn;
+use Database\Seeders\CurrencySeeder;
+use Database\Seeders\LotterySettingsSeeder;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+use Illuminate\Support\Facades\Http;
+
+uses(RefreshDatabase::class);
+
+beforeEach(function (): void {
+    config(['lottery.main_site.wallet_api_url' => null]);
+    $this->seed(CurrencySeeder::class);
+    $this->seed(LotterySettingsSeeder::class);
+});
+
+test('wallet logs returns transfer rows and pagination', function () {
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'wl1',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->postJson('/api/v1/wallet/transfer-in', [
+            'amount' => 300,
+            'idempotent_key' => 'log-test-1',
+        ])
+        ->assertOk();
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->getJson('/api/v1/wallet/logs?page=1&size=10')
+        ->assertOk()
+        ->assertJsonPath('code', ErrorCode::Success->value)
+        ->assertJsonPath('data.total', 1)
+        ->assertJsonPath('data.items.0.type', 'transfer_in');
+
+    expect(WalletTxn::query()->where('player_id', $player->id)->count())->toBe(1);
+});
+
+test('wallet logs filters by type refund', function () {
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'wl2',
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    PlayerWallet::query()->create([
+        'player_id' => $player->id,
+        'wallet_type' => 'lottery',
+        'currency_code' => 'NPR',
+        'balance' => 500,
+        'frozen_balance' => 0,
+        'status' => 0,
+        'version' => 0,
+    ]);
+
+    config(['lottery.main_site.wallet_api_url' => 'http://failure.test']);
+    Http::fake([
+        'failure.test/*' => Http::response(['success' => false, 'message' => 'no'], 200),
+    ]);
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->postJson('/api/v1/wallet/transfer-out', [
+            'amount' => 200,
+            'idempotent_key' => 'out-fail',
+        ])
+        ->assertStatus(400);
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->getJson('/api/v1/wallet/logs?type=refund')
+        ->assertOk()
+        ->assertJsonPath('data.total', 1)
+        ->assertJsonPath('data.items.0.type', 'refund');
+});
diff --git a/tests/Feature/WalletTransferTest.php b/tests/Feature/WalletTransferTest.php
new file mode 100644
index 0000000..aa8b68e
--- /dev/null
+++ b/tests/Feature/WalletTransferTest.php
@@ -0,0 +1,245 @@
+<?php
+
+use App\Lottery\ErrorCode;
+use App\Models\Player;
+use App\Models\PlayerWallet;
+use App\Models\TransferOrder;
+use App\Models\WalletTxn;
+use App\Services\LotterySettings;
+use Database\Seeders\CurrencySeeder;
+use Database\Seeders\LotterySettingsSeeder;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+use Illuminate\Support\Facades\Http;
+
+uses(RefreshDatabase::class);
+
+beforeEach(function (): void {
+    config(['lottery.main_site.wallet_api_url' => null]);
+    $this->seed(CurrencySeeder::class);
+    $this->seed(LotterySettingsSeeder::class);
+});
+
+test('transfer in credits lottery wallet via stub main site', function () {
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'u1',
+        'username' => 'a',
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $key = 'idem-'.uniqid('', true);
+
+    $response = $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->postJson('/api/v1/wallet/transfer-in', [
+            'amount' => 500,
+            'currency' => 'NPR',
+            'idempotent_key' => $key,
+        ]);
+    $response->assertOk()
+        ->assertJsonPath('code', ErrorCode::Success->value)
+        ->assertJsonPath('data.amount', 500)
+        ->assertJsonPath('data.currency_code', 'NPR')
+        ->assertJsonPath('data.balance', 500)
+        ->assertJsonPath('data.lottery_balance_after', 500);
+
+    expect((string) $response->json('data.log_id'))->toStartWith('WX_');
+
+    $wallet = PlayerWallet::query()->where('player_id', $player->id)->first();
+    expect($wallet)->not->toBeNull()
+        ->and((int) $wallet->balance)->toBe(500);
+
+    $order = TransferOrder::query()->where('idempotent_key', $key)->first();
+    expect($order?->status)->toBe('success')
+        ->and($order->external_request_payload)->not->toBeNull()
+        ->and($order->external_request_payload['amount_minor'])->toBe(500)
+        ->and($order->external_request_payload['_meta']['stub'] ?? null)->toBeTrue();
+    expect(WalletTxn::query()->where('biz_type', 'transfer_in')->count())->toBe(1);
+});
+
+test('transfer in idempotent replay returns same success shape', function () {
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'u2',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $key = 'idem-replay-1';
+
+    $first = $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->postJson('/api/v1/wallet/transfer-in', [
+            'amount' => 100,
+            'idempotent_key' => $key,
+        ]);
+
+    $second = $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->postJson('/api/v1/wallet/transfer-in', [
+            'amount' => 100,
+            'idempotent_key' => $key,
+        ]);
+
+    $first->assertOk();
+    $second->assertOk();
+
+    expect((string) $first->json('data.transfer_no'))->toBe((string) $second->json('data.transfer_no'))
+        ->and(PlayerWallet::query()->where('player_id', $player->id)->first()?->balance)->toBe(100);
+});
+
+test('transfer out debits lottery and matches stub credit', function () {
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'u3',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    PlayerWallet::query()->create([
+        'player_id' => $player->id,
+        'wallet_type' => 'lottery',
+        'currency_code' => 'NPR',
+        'balance' => 1000,
+        'frozen_balance' => 0,
+        'status' => 0,
+        'version' => 0,
+    ]);
+
+    $key = 'idem-out-1';
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->postJson('/api/v1/wallet/transfer-out', [
+            'amount' => 400,
+            'idempotent_key' => $key,
+        ])
+        ->assertOk()
+        ->assertJsonPath('data.lottery_balance_after', 600);
+
+    expect((int) PlayerWallet::query()->where('player_id', $player->id)->first()?->balance)->toBe(600);
+});
+
+test('transfer out insufficient balance fails with 1001', function () {
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'u4',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $key = 'idem-out-broke';
+
+    $code = ErrorCode::WalletInsufficientBalance->value;
+
+    $this->withHeaders([
+        'Authorization' => 'Bearer dev:'.$player->id,
+        'X-Locale' => 'zh',
+    ])
+        ->postJson('/api/v1/wallet/transfer-out', [
+            'amount' => 100,
+            'idempotent_key' => $key,
+        ])
+        ->assertStatus(400)
+        ->assertJsonPath('code', $code)
+        ->assertJsonPath('msg', __("wallet.$code", [], 'zh'));
+
+    $this->withHeaders([
+        'Authorization' => 'Bearer dev:'.$player->id,
+        'X-Locale' => 'zh',
+    ])
+        ->postJson('/api/v1/wallet/transfer-out', [
+            'amount' => 100,
+            'idempotent_key' => $key,
+        ])
+        ->assertStatus(400)
+        ->assertJsonPath('code', $code);
+});
+
+test('transfer in disabled returns 1004', function () {
+    LotterySettings::put('wallet.transfer_in_enabled', false, 'wallet');
+
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'u5',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $code = ErrorCode::WalletTransferInDisabled->value;
+
+    $this->withHeaders([
+        'Authorization' => 'Bearer dev:'.$player->id,
+        'Accept-Language' => 'en',
+    ])
+        ->postJson('/api/v1/wallet/transfer-in', [
+            'amount' => 10,
+            'idempotent_key' => 'disabled-test',
+        ])
+        ->assertStatus(400)
+        ->assertJsonPath('code', $code);
+});
+
+test('transfer in below min amount returns 1003', function () {
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'u-min',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $code = ErrorCode::WalletAmountExceedsLimit->value;
+
+    $this->withHeaders([
+        'Authorization' => 'Bearer dev:'.$player->id,
+        'X-Locale' => 'zh',
+    ])
+        ->postJson('/api/v1/wallet/transfer-in', [
+            'amount' => 50,
+            'idempotent_key' => 'below-min',
+        ])
+        ->assertStatus(400)
+        ->assertJsonPath('code', $code);
+});
+
+test('transfer in http 504 marks order pending reconcile', function () {
+    Http::fake([
+        'fake-main.test/*' => Http::response([], 504),
+    ]);
+    config(['lottery.main_site.wallet_api_url' => 'http://fake-main.test']);
+    config(['lottery.main_site.wallet_debit_path' => 'debit']);
+
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'u504',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $key = 'idem-504-'.uniqid('', true);
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->postJson('/api/v1/wallet/transfer-in', [
+            'amount' => 500,
+            'currency' => 'NPR',
+            'idempotent_key' => $key,
+        ])
+        ->assertStatus(409)
+        ->assertJsonPath('code', ErrorCode::WalletTransferPending->value);
+
+    $order = TransferOrder::query()->where('idempotent_key', $key)->first();
+    expect($order?->status)->toBe('pending_reconcile')
+        ->and($order->external_request_payload['currency_code'])->toBe('NPR')
+        ->and($order->external_request_payload['_meta']['path'] ?? null)->toBe('/debit');
+    expect(WalletTxn::query()->where('player_id', $player->id)->count())->toBe(0);
+});