diff --git a/app/Http/Controllers/Api/V1/Admin/AdminSettingController.php b/app/Http/Controllers/Api/V1/Admin/AdminSettingController.php
new file mode 100644
index 0000000..8b02d48
--- /dev/null
+++ b/app/Http/Controllers/Api/V1/Admin/AdminSettingController.php
@@ -0,0 +1,60 @@
+<?php
+
+namespace App\Http\Controllers\Api\V1\Admin;
+
+use App\Http\Controllers\Controller;
+use App\Http\Requests\Admin\AdminSettingIndexRequest;
+use App\Http\Requests\Admin\AdminSettingUpdateRequest;
+use App\Models\LotterySetting;
+use App\Support\ApiResponse;
+use App\Services\LotterySettings;
+use Illuminate\Http\JsonResponse;
+
+/**
+ * 后台：运营配置（KV 设置）读写。
+ */
+final class AdminSettingController extends Controller
+{
+    public function index(AdminSettingIndexRequest $request): JsonResponse
+    {
+        $validated = $request->validated();
+        $query = LotterySetting::query()->orderBy('setting_key');
+
+        if (! empty($validated['group'])) {
+            $query->where('group_name', $validated['group']);
+        }
+
+        $items = $query->get()->map(fn (LotterySetting $s): array => [
+            'key' => $s->setting_key,
+            'value' => $s->value_json,
+            'group' => $s->group_name,
+            'description' => $s->description_zh,
+        ]);
+
+        return ApiResponse::success(['items' => $items]);
+    }
+
+    public function update(AdminSettingUpdateRequest $request, string $key): JsonResponse
+    {
+        $setting = LotterySetting::query()->where('setting_key', $key)->first();
+        if ($setting === null) {
+            return ApiResponse::error('Setting not found', 404);
+        }
+
+        LotterySettings::put(
+            $key,
+            $request->validated('value'),
+            $setting->group_name,
+            $setting->description_zh,
+        );
+
+        $fresh = LotterySetting::query()->where('setting_key', $key)->first();
+
+        return ApiResponse::success([
+            'key' => $fresh->setting_key,
+            'value' => $fresh->value_json,
+            'group' => $fresh->group_name,
+            'description' => $fresh->description_zh,
+        ]);
+    }
+}
diff --git a/app/Http/Requests/Admin/AdminSettingIndexRequest.php b/app/Http/Requests/Admin/AdminSettingIndexRequest.php
new file mode 100644
index 0000000..b9fdf4d
--- /dev/null
+++ b/app/Http/Requests/Admin/AdminSettingIndexRequest.php
@@ -0,0 +1,20 @@
+<?php
+
+namespace App\Http\Requests\Admin;
+
+use Illuminate\Foundation\Http\FormRequest;
+
+final class AdminSettingIndexRequest extends FormRequest
+{
+    public function authorize(): bool
+    {
+        return true;
+    }
+
+    public function rules(): array
+    {
+        return [
+            'group' => ['sometimes', 'nullable', 'string', 'max:64'],
+        ];
+    }
+}
diff --git a/app/Http/Requests/Admin/AdminSettingUpdateRequest.php b/app/Http/Requests/Admin/AdminSettingUpdateRequest.php
new file mode 100644
index 0000000..f253a84
--- /dev/null
+++ b/app/Http/Requests/Admin/AdminSettingUpdateRequest.php
@@ -0,0 +1,20 @@
+<?php
+
+namespace App\Http\Requests\Admin;
+
+use Illuminate\Foundation\Http\FormRequest;
+
+final class AdminSettingUpdateRequest extends FormRequest
+{
+    public function authorize(): bool
+    {
+        return true;
+    }
+
+    public function rules(): array
+    {
+        return [
+            'value' => ['required'],
+        ];
+    }
+}
diff --git a/routes/api/v1/admin/config.php b/routes/api/v1/admin/config.php
index 1bfbe0f..3197a84 100644
--- a/routes/api/v1/admin/config.php
+++ b/routes/api/v1/admin/config.php
@@ -18,6 +18,7 @@ use App\Http\Controllers\Api\V1\Admin\Config\PlayConfigItemsReplaceController;
 use App\Http\Controllers\Api\V1\Admin\Config\PlayConfigVersionIndexController;
 use App\Http\Controllers\Api\V1\Admin\Config\PlayConfigVersionStoreController;
 use App\Http\Controllers\Api\V1\Admin\Config\PlayConfigVersionPublishController;
+use App\Http\Controllers\Api\V1\Admin\AdminSettingController;
 
 /**
  * 管理员配置管理路由（玩法/赔率/封顶）。
@@ -105,3 +106,14 @@ Route::middleware('admin.permission:prd.play_switch.manage|prd.odds.manage|prd.r
                     ->name('risk-cap-versions.publish');
             });
     });
+
+// 通用 KV 设置（钱包限额等）
+Route::middleware('admin.permission:prd.wallet_reconcile.manage')
+    ->prefix('settings')
+    ->name('api.v1.admin.settings.')
+    ->group(function (): void {
+        Route::get('/', AdminSettingController::class.'@index')
+            ->name('index');
+        Route::put('{key}', AdminSettingController::class.'@update')
+            ->name('update');
+    });