diff --git a/apps/admin/src/components/AuditLogTable.vue b/apps/admin/src/components/AuditLogTable.vue
index 6ce4f79..a127bf5 100644
--- a/apps/admin/src/components/AuditLogTable.vue
+++ b/apps/admin/src/components/AuditLogTable.vue
@@ -1,5 +1,5 @@
 <script setup lang="ts">
-import { ref, onMounted, watch } from 'vue';
+import { ref, onMounted, onActivated, watch } from 'vue';
 import { useAdminLocale } from '../composables/useAdminLocale';
 import { useAuditLabels } from '../utils/audit-labels';
 import api from '../api';
@@ -39,8 +39,12 @@ const total = ref(0);
 const page = ref(1);
 const pageSize = ref(10);
 const filterModule = ref('');
+const loading = ref(false);
 
-onMounted(load);
+onMounted(() => void load());
+onActivated(() => {
+  if (logs.value.length > 0) void load({ silent: true });
+});
 
 watch(
   () => props.endpoint,
@@ -50,7 +54,9 @@ watch(
   },
 );
 
-async function load() {
+async function load(opts?: { silent?: boolean }) {
+  if (!opts?.silent) loading.value = true;
+  try {
   const { data } = await api.get(props.endpoint, {
     params: {
       page: page.value,
@@ -62,6 +68,9 @@ async function load() {
   });
   logs.value = (data.data.items ?? []) as AuditRow[];
   total.value = data.data.total ?? 0;
+  } finally {
+    if (!opts?.silent) loading.value = false;
+  }
 }
 
 function onPageChange(p: number) {
@@ -123,7 +132,7 @@ function operatorDisplay(row: AuditRow): string {
     </el-form>
   </el-card>
 
-  <el-card class="data-card" shadow="never">
+  <el-card v-loading="loading" class="data-card" shadow="never">
     <div class="table-wrap">
       <el-table :key="locale" :data="logs" stripe>
         <template #empty>
diff --git a/apps/admin/src/composables/useStaleList.ts b/apps/admin/src/composables/useStaleList.ts
new file mode 100644
index 0000000..0e18446
--- /dev/null
+++ b/apps/admin/src/composables/useStaleList.ts
@@ -0,0 +1,27 @@
+import { ref, onMounted, onActivated } from 'vue';
+
+/**
+ * 列表页 mount / KeepAlive activated 生命周期：有缓存则后台静默刷新，无缓存则显示 loading。
+ */
+export function useStaleListLifecycle(
+  hasData: () => boolean,
+  loadFn: () => void | Promise<void>,
+) {
+  const loading = ref(false);
+
+  async function runLoad(showSpinner: boolean) {
+    if (showSpinner) loading.value = true;
+    try {
+      await loadFn();
+    } finally {
+      loading.value = false;
+    }
+  }
+
+  onMounted(() => void runLoad(!hasData()));
+  onActivated(() => {
+    if (hasData()) void runLoad(false);
+  });
+
+  return { loading, runLoad };
+}
diff --git a/apps/admin/src/layouts/ManageLayout.vue b/apps/admin/src/layouts/ManageLayout.vue
index e2c5995..b2ca2b2 100644
--- a/apps/admin/src/layouts/ManageLayout.vue
+++ b/apps/admin/src/layouts/ManageLayout.vue
@@ -10,6 +10,7 @@ import AdminLocaleSwitcher from '../components/AdminLocaleSwitcher.vue';
 import AdminNavIcon from '../components/AdminNavIcon.vue';
 import { resolveAdminBreadcrumb } from '../utils/admin-breadcrumb';
 import { useDepositPendingCount } from '../composables/useDepositPendingCount';
+import { prefetchRouteChunks } from '../utils/route-prefetch';
 
 const route = useRoute();
 const router = useRouter();
@@ -29,7 +30,7 @@ const keepAliveIncludes = [
   'AdminCashback',
   'AdminMatches',
   'AdminMatchesOutrights',
-  'AdminDepositOrders',
+  'AdminDepositManage',
   'AdminStaffManage',
   'AdminFinanceLogs',
   'AdminAgentManager',
@@ -174,6 +175,10 @@ function onNavClick() {
   }
 }
 
+function prefetchNavRoute(path: string) {
+  prefetchRouteChunks(router, path);
+}
+
 function logout() {
   auth.logout();
   router.push('/login');
@@ -233,6 +238,8 @@ watch(() => route.path, () => {
                     : isMatchesSectionPath(route.path))),
           }"
           @click="onNavClick"
+          @mouseenter="prefetchNavRoute(m.path)"
+          @focus="prefetchNavRoute(m.path)"
         >
           <AdminNavIcon :name="m.icon" />
           <span class="nav-label">
diff --git a/apps/admin/src/router/index.ts b/apps/admin/src/router/index.ts
index fb6b12f..65954e1 100644
--- a/apps/admin/src/router/index.ts
+++ b/apps/admin/src/router/index.ts
@@ -1,7 +1,7 @@
 import { createRouter, createWebHistory } from 'vue-router';
 import { useAuthStore } from '../stores/auth';
 import { useSmokeTestsAllowed } from '../composables/useSmokeTestsAllowed';
-import { ensureStaffSession, isSessionFresh } from '../utils/session-hydrate';
+import { hydrateStaffSession } from '../utils/session-hydrate';
 import { reconcileStaffSessionFromToken } from '../stores/auth';
 import { AdminPerm } from '../constants/permissions';
 import { adminCanAccess, firstAdminFallback } from '../utils/admin-access';
@@ -192,13 +192,9 @@ router.beforeEach(async (to) => {
   const hasToken = !!auth.token.value;
 
   if (hasToken) {
-    if (isSessionFresh()) {
-      // Session 在 TTL 内且完整：只做同步 reconcile，跳过网络请求
-      reconcileStaffSessionFromToken();
-    } else {
-      // Session 过期或不完整：才 await 远程刷新
-      await ensureStaffSession();
-    }
+    reconcileStaffSessionFromToken();
+    // 后台刷新 session，不阻塞路由切换；401 由 api 拦截器处理
+    void hydrateStaffSession();
   }
 
   const hasUser = !!auth.user.value?.userType;
@@ -247,9 +243,8 @@ router.beforeEach(async (to) => {
   }
 
   if (to.meta.smokeTestsOnly) {
-    const { ensureLoaded, allowed } = useSmokeTestsAllowed();
-    await ensureLoaded();
-    if (!allowed.value) return '/';
+    const { allowed } = useSmokeTestsAllowed();
+    if (allowed.value === false) return '/';
   }
 
   return true;
diff --git a/apps/admin/src/utils/route-prefetch.ts b/apps/admin/src/utils/route-prefetch.ts
new file mode 100644
index 0000000..2540d83
--- /dev/null
+++ b/apps/admin/src/utils/route-prefetch.ts
@@ -0,0 +1,25 @@
+import type { Router } from 'vue-router';
+
+const prefetchedPaths = new Set<string>();
+
+/** 预取目标路径上所有 lazy route 的 JS chunk（侧边栏 hover/focus 时调用）。 */
+export function prefetchRouteChunks(router: Router, path: string) {
+  const key = path.split('?')[0] || '/';
+  if (prefetchedPaths.has(key)) return;
+
+  let matched = false;
+  try {
+    const resolved = router.resolve(path);
+    for (const record of resolved.matched) {
+      const loader = record.components?.default;
+      if (typeof loader === 'function') {
+        matched = true;
+        void (loader as () => Promise<unknown>)();
+      }
+    }
+  } catch {
+    return;
+  }
+
+  if (matched) prefetchedPaths.add(key);
+}
diff --git a/apps/admin/src/views/AgentManager.vue b/apps/admin/src/views/AgentManager.vue
index 8303ff0..9949955 100644
--- a/apps/admin/src/views/AgentManager.vue
+++ b/apps/admin/src/views/AgentManager.vue
@@ -414,21 +414,51 @@ function resolveCreateParentLabel(agentId: string) {
 }
 
 /* ─── Init ─── */
+let pageInitPromise: Promise<void> | null = null;
+
+function ensurePageInit(): Promise<void> {
+  if (settingsLoaded.value) return Promise.resolve();
+  if (!pageInitPromise) {
+    pageInitPromise = loadUsersPageInit().finally(() => {
+      pageInitPromise = null;
+    });
+  }
+  return pageInitPromise;
+}
+
+function loadActiveViewTabData() {
+  const tab = activeViewTab.value;
+  if (tab === 'players') {
+    if (canViewUsers.value) void loadAllPlayers();
+    return;
+  }
+  if (!canViewAgents.value) return;
+  if (tab === 'tier1Agents') {
+    void loadTier1Agents();
+    return;
+  }
+  const m = /^agentLevel-(\d+)$/.exec(tab);
+  if (m) {
+    void ensurePageInit().then(() => loadSubAgentsAtLevel(Number(m[1])));
+  }
+}
+
 onMounted(() => {
-  if (canManageSettings.value) {
-    void loadUsersPageInit();
-  }
-  if (canViewUsers.value) {
-    loadAllPlayers();
-  }
-  if (canViewAgents.value) {
-    loadTier1Agents();
-  }
+  loadActiveViewTabData();
 });
-// KeepAlive 激活时静默刷新列表（不重复page-init）
+// KeepAlive 激活时静默刷新当前 tab 列表（不重复 page-init）
 onActivated(() => {
-  if (canViewUsers.value && allPlayers.value.length > 0) void loadAllPlayers();
-  if (canViewAgents.value && tier1Agents.value.length > 0) void loadTier1Agents();
+  const tab = activeViewTab.value;
+  if (tab === 'players' && canViewUsers.value && allPlayers.value.length > 0) void loadAllPlayers();
+  else if (tab === 'tier1Agents' && canViewAgents.value && tier1Agents.value.length > 0) void loadTier1Agents();
+  else {
+    const m = /^agentLevel-(\d+)$/.exec(tab);
+    if (m) {
+      const lvl = Number(m[1]);
+      const st = subAgentLevelState[lvl];
+      if (st?.agents.length) loadSubAgentsAtLevel(lvl);
+    }
+  }
 });
 
 async function loadUsersPageInit() {
@@ -456,9 +486,6 @@ async function loadUsersPageInit() {
     }
     if (payload.agentLevelCounts) {
       agentLevelCounts.value = payload.agentLevelCounts;
-      for (const lvl of visibleSubAgentTabLevels.value) {
-        loadSubAgentsAtLevel(lvl);
-      }
     }
     settingsLoaded.value = true;
   } catch {
@@ -670,14 +697,22 @@ function onSubAgentRowClick(row: AgentRow, _column: unknown, event: MouseEvent)
 
 watch(activeViewTab, (tab) => {
   const m = /^agentLevel-(\d+)$/.exec(tab);
-  if (m) loadSubAgentsAtLevel(Number(m[1]));
+  if (m) {
+    void ensurePageInit().then(() => loadSubAgentsAtLevel(Number(m[1])));
+    return;
+  }
+  if (tab === 'players' && canViewUsers.value && !allPlayers.value.length) void loadAllPlayers();
+  if (tab === 'tier1Agents' && canViewAgents.value && !tier1Agents.value.length) void loadTier1Agents();
 });
 
-watch(visibleSubAgentTabLevels, (levels, prev) => {
-  for (const lvl of levels) {
-    if (!prev?.includes(lvl) || !subAgentLevelState[lvl]?.agents.length) {
-      loadSubAgentsAtLevel(lvl);
-    }
+watch(visibleSubAgentTabLevels, (levels) => {
+  const tab = activeViewTab.value;
+  const m = /^agentLevel-(\d+)$/.exec(tab);
+  if (!m) return;
+  const activeLevel = Number(m[1]);
+  if (levels.includes(activeLevel)) {
+    const st = subAgentLevelState[activeLevel];
+    if (!st?.agents.length) loadSubAgentsAtLevel(activeLevel);
   }
 });
 
diff --git a/apps/admin/src/views/Audit.vue b/apps/admin/src/views/Audit.vue
index 26a3df7..7f86ceb 100644
--- a/apps/admin/src/views/Audit.vue
+++ b/apps/admin/src/views/Audit.vue
@@ -1,4 +1,6 @@
 <script setup lang="ts">
+defineOptions({ name: 'AdminAudit' });
+
 import AuditLogTable from '../components/AuditLogTable.vue';
 </script>
 
diff --git a/apps/admin/src/views/Bets.vue b/apps/admin/src/views/Bets.vue
index d179ada..01dcd20 100644
--- a/apps/admin/src/views/Bets.vue
+++ b/apps/admin/src/views/Bets.vue
@@ -1,7 +1,8 @@
 <script setup lang="ts">
-import { ref, onMounted, onActivated } from 'vue';
+import { ref } from 'vue';
 
 defineOptions({ name: 'AdminBets' });
+import { useStaleListLifecycle } from '../composables/useStaleList';
 import api from '../api';
 import { formatAmount, formatAmountFull } from '../utils/format-amount';
 import {
@@ -34,16 +35,6 @@ const detailVisible = ref(false);
 const detail = ref<BetDetail | null>(null);
 const detailLoading = ref(false);
 
-onMounted(load);
-// KeepAlive 激活时：有缓存数据则后台静默刷新，避免白屏等待
-onActivated(() => { if (bets.value.length > 0) void load(); });
-
-function betContentCounts(row: BetListRow) {
-  const singles = row.betType === 'SINGLE' ? 1 : 0;
-  const parlays = row.betType === 'PARLAY' ? 1 : 0;
-  return t('bet.content.bet_counts', { singles, parlays });
-}
-
 async function load() {
   const { data } = await api.get('/admin/bets', {
     params: {
@@ -60,15 +51,17 @@ async function load() {
   total.value = data.data.total;
 }
 
+const { loading: listLoading, runLoad } = useStaleListLifecycle(() => bets.value.length > 0, load);
+
 function onPageChange(p: number) {
   page.value = p;
-  load();
+  void runLoad(true);
 }
 
 function onSizeChange(size: number) {
   pageSize.value = size;
   page.value = 1;
-  load();
+  void runLoad(true);
 }
 
 function resetFilters() {
@@ -78,7 +71,13 @@ function resetFilters() {
   placedFrom.value = '';
   placedTo.value = '';
   page.value = 1;
-  load();
+  void runLoad(true);
+}
+
+function betContentCounts(row: BetListRow) {
+  const singles = row.betType === 'SINGLE' ? 1 : 0;
+  const parlays = row.betType === 'PARLAY' ? 1 : 0;
+  return t('bet.content.bet_counts', { singles, parlays });
 }
 
 function parentLabel(row: BetListRow) {
@@ -166,13 +165,13 @@ async function openDetail(row: BetListRow) {
         />
       </el-form-item>
       <el-form-item>
-        <el-button type="primary" @click="load">{{ t('common.search') }}</el-button>
+        <el-button type="primary" @click="runLoad(true)">{{ t('common.search') }}</el-button>
         <el-button @click="resetFilters">{{ t('common.reset') }}</el-button>
       </el-form-item>
     </el-form>
   </el-card>
 
-  <el-card class="data-card" shadow="never">
+  <el-card v-loading="listLoading" class="data-card" shadow="never">
     <div class="table-wrap">
     <el-table :data="bets" stripe class="bets-table">
       <template #empty>
diff --git a/apps/admin/src/views/Cashback.vue b/apps/admin/src/views/Cashback.vue
index bd90b0d..7c00597 100644
--- a/apps/admin/src/views/Cashback.vue
+++ b/apps/admin/src/views/Cashback.vue
@@ -129,8 +129,8 @@ function tableSummary(param: {
   });
 }
 
-async function loadHistory() {
-  historyLoading.value = true;
+async function loadHistory(opts?: { silent?: boolean }) {
+  if (!opts?.silent) historyLoading.value = true;
   try {
     const { data } = await api.get('/admin/cashbacks', {
       params: {
@@ -144,7 +144,7 @@ async function loadHistory() {
   } catch (err) {
     ElMessage.error(resolveApiError(err, t, 'msg.load_failed'));
   } finally {
-    historyLoading.value = false;
+    if (!opts?.silent) historyLoading.value = false;
   }
 }
 
@@ -250,9 +250,10 @@ function onHistoryStatusChange() {
   loadHistory();
 }
 
-onMounted(loadHistory);
-// KeepAlive 激活时静默刷新
-onActivated(() => { if (history.value.length > 0) void loadHistory(); });
+onMounted(() => void loadHistory());
+onActivated(() => {
+  if (history.value.length > 0) void loadHistory({ silent: true });
+});
 </script>
 
 <template>
diff --git a/apps/admin/src/views/Contents.vue b/apps/admin/src/views/Contents.vue
index 45fb0bc..97fe48f 100644
--- a/apps/admin/src/views/Contents.vue
+++ b/apps/admin/src/views/Contents.vue
@@ -1,5 +1,7 @@
 <script setup lang="ts">
-import { ref, computed, watch } from 'vue';
+defineOptions({ name: 'AdminContents' });
+
+import { ref, computed, watch, onActivated } from 'vue';
 import { ElMessage, ElMessageBox } from 'element-plus';
 import type { TableInstance } from 'element-plus';
 import { useAdminLocale } from '../composables/useAdminLocale';
@@ -237,6 +239,11 @@ watch([activeType, filterStatus], () => {
   void load();
 });
 
+onActivated(() => {
+  if (activeType.value === 'INBOX_NOTIFY') return;
+  if (items.value.length > 0) void load();
+});
+
 function onSelectionChange(rows: ContentItem[]) {
   selectedRows.value = rows;
 }
diff --git a/apps/admin/src/views/DepositManage.vue b/apps/admin/src/views/DepositManage.vue
index 7ca1ac5..ae76b3b 100644
--- a/apps/admin/src/views/DepositManage.vue
+++ b/apps/admin/src/views/DepositManage.vue
@@ -1,4 +1,6 @@
 <script setup lang="ts">
+defineOptions({ name: 'AdminDepositManage' });
+
 import { ref, watch } from 'vue';
 import { useRoute, useRouter } from 'vue-router';
 import { useAdminLocale } from '../composables/useAdminLocale';
diff --git a/apps/admin/src/views/DepositOrders.vue b/apps/admin/src/views/DepositOrders.vue
index fb9dcd1..2d41b28 100644
--- a/apps/admin/src/views/DepositOrders.vue
+++ b/apps/admin/src/views/DepositOrders.vue
@@ -77,8 +77,8 @@ const auditTarget = ref<DepositOrderRow | null>(null);
 const auditLogs = ref<DepositAuditLogRow[]>([]);
 const auditLoading = ref(false);
 
-async function fetchList() {
-  loading.value = true;
+async function fetchList(opts?: { silent?: boolean }) {
+  if (!opts?.silent) loading.value = true;
   try {
     const params: any = { page: page.value, pageSize: pageSize.value };
     if (statusFilter.value) params.status = statusFilter.value;
@@ -90,7 +90,7 @@ async function fetchList() {
     total.value = result.total ?? 0;
     void refreshDepositPendingCount();
   } catch { /* */ } finally {
-    loading.value = false;
+    if (!opts?.silent) loading.value = false;
   }
 }
 
@@ -249,13 +249,14 @@ function refreshList() {
 function prevPage() { if (page.value > 1) { page.value--; fetchList(); } }
 function nextPage() { if (page.value * pageSize.value < total.value) { page.value++; fetchList(); } }
 
-onMounted(fetchList);
-// KeepAlive 激活时静默刷新
-onActivated(() => { if (items.value.length > 0) void fetchList(); });
+onMounted(() => void fetchList());
+onActivated(() => {
+  if (items.value.length > 0) void fetchList({ silent: true });
+});
 </script>
 
 <template>
-  <div class="page-deposit-orders">
+  <div v-loading="loading" class="page-deposit-orders">
     <div class="toolbar">
       <h2>{{ t('deposit.deposit_orders_title') }}</h2>
     </div>
diff --git a/apps/admin/src/views/FinanceLogs.vue b/apps/admin/src/views/FinanceLogs.vue
index fe1b29a..3e3290f 100644
--- a/apps/admin/src/views/FinanceLogs.vue
+++ b/apps/admin/src/views/FinanceLogs.vue
@@ -50,11 +50,13 @@ const creditItems = ref<CreditTxRow[]>([]);
 const creditTotal = ref(0);
 const creditPage = ref(1);
 const creditPageSize = ref(10);
+const creditLoading = ref(false);
 
 const transferItems = ref<TransferTxRow[]>([]);
 const transferTotal = ref(0);
 const transferPage = ref(1);
 const transferPageSize = ref(10);
+const transferLoading = ref(false);
 
 const keyword = ref('');
 const agentId = ref('');
@@ -125,7 +127,9 @@ function dateParams() {
   };
 }
 
-async function loadCredit() {
+async function loadCredit(opts?: { silent?: boolean }) {
+  if (!opts?.silent) creditLoading.value = true;
+  try {
   const { data } = await api.get(creditApiPath.value, {
     params: {
       page: creditPage.value,
@@ -139,9 +143,14 @@ async function loadCredit() {
   });
   creditItems.value = (data.data?.items ?? []) as CreditTxRow[];
   creditTotal.value = data.data?.total ?? 0;
+  } finally {
+    if (!opts?.silent) creditLoading.value = false;
+  }
 }
 
-async function loadTransfer() {
+async function loadTransfer(opts?: { silent?: boolean }) {
+  if (!opts?.silent) transferLoading.value = true;
+  try {
   const parentRaw = parentAgentKeyword.value.trim();
   const parentIsId = parentRaw && /^\d+$/.test(parentRaw);
   const { data } = await api.get(transferApiPath.value, {
@@ -157,6 +166,9 @@ async function loadTransfer() {
   });
   transferItems.value = (data.data?.items ?? []) as TransferTxRow[];
   transferTotal.value = data.data?.total ?? 0;
+  } finally {
+    if (!opts?.silent) transferLoading.value = false;
+  }
 }
 
 function onSearch() {
@@ -206,10 +218,9 @@ onMounted(() => {
   if (activeTab.value === 'credit') void loadCredit();
   else void loadTransfer();
 });
-// KeepAlive 激活时静默刷新
 onActivated(() => {
-  if (activeTab.value === 'credit' && creditItems.value.length > 0) void loadCredit();
-  else if (activeTab.value === 'transfer' && transferItems.value.length > 0) void loadTransfer();
+  if (activeTab.value === 'credit' && creditItems.value.length > 0) void loadCredit({ silent: true });
+  else if (activeTab.value === 'transfer' && transferItems.value.length > 0) void loadTransfer({ silent: true });
 });
 
 watch(
@@ -321,7 +332,7 @@ watch(
       </el-form>
     </el-card>
 
-    <el-card v-show="activeTab === 'credit'" class="data-card" shadow="never">
+    <el-card v-show="activeTab === 'credit'" v-loading="creditLoading" class="data-card" shadow="never">
       <div class="table-wrap">
         <el-table :key="`${locale}-credit`" :data="creditItems" stripe>
           <template #empty>
@@ -392,7 +403,7 @@ watch(
       </div>
     </el-card>
 
-    <el-card v-show="activeTab === 'transfer'" class="data-card" shadow="never">
+    <el-card v-show="activeTab === 'transfer'" v-loading="transferLoading" class="data-card" shadow="never">
       <div class="table-wrap">
         <el-table :key="`${locale}-transfer`" :data="transferItems" stripe>
           <template #empty>
diff --git a/apps/admin/src/views/Matches.vue b/apps/admin/src/views/Matches.vue
index c1343f5..33fb7d4 100644
--- a/apps/admin/src/views/Matches.vue
+++ b/apps/admin/src/views/Matches.vue
@@ -1,7 +1,8 @@
 <script setup lang="ts">
-import { ref, computed, onMounted, onActivated, onBeforeUnmount } from 'vue';
+import { ref, computed, onBeforeUnmount } from 'vue';
 
 defineOptions({ name: 'AdminMatches' });
+import { useStaleListLifecycle } from '../composables/useStaleList';
 import { useRoute } from 'vue-router';
 import { useAdminLocale } from '../composables/useAdminLocale';
 import { resolveFormError } from '../i18n/form-validation';
@@ -110,21 +111,21 @@ async function load(options: LoadOptions = {}) {
 function onSearch() {
   page.value = 1;
   expandedRowKeys.value = [];
-  load();
+  void runLoad(true);
 }
 
-onMounted(() => {
+async function initialLoad() {
   const qStatus = route.query.status;
   if (typeof qStatus === 'string' && qStatus.trim()) {
     filterStatus.value = qStatus.trim();
     page.value = 1;
-    load();
+    await load();
     return;
   }
-  load({ restoreExpand: true });
-});
-// KeepAlive 激活时静默刷新，保持展开状态
-onActivated(() => { if (leagues.value.length > 0) void load({ keepExpand: true }); });
+  await load({ restoreExpand: true });
+}
+
+const { loading: listLoading, runLoad } = useStaleListLifecycle(() => leagues.value.length > 0, initialLoad);
 onBeforeUnmount(persistListUiState);
 
 function onPageChange(p: number) {
@@ -421,7 +422,7 @@ function onLeagueArchived() {
     <p v-if="filterStatus" class="list-hint">{{ t('match.filter.status_hint') }}</p>
   </div>
 
-  <section class="list-panel">
+  <section v-loading="listLoading" class="list-panel">
     <p class="list-hint">{{ t('match.expand_league_hint') }}</p>
     <div class="table-wrap">
     <el-table
diff --git a/apps/admin/src/views/MatchesOutrights.vue b/apps/admin/src/views/MatchesOutrights.vue
index 166f9cd..243c086 100644
--- a/apps/admin/src/views/MatchesOutrights.vue
+++ b/apps/admin/src/views/MatchesOutrights.vue
@@ -1,7 +1,8 @@
 <script setup lang="ts">
-import { ref, onMounted, onActivated, onBeforeUnmount } from 'vue';
+import { ref, onBeforeUnmount } from 'vue';
 
 defineOptions({ name: 'AdminMatchesOutrights' });
+import { useStaleListLifecycle } from '../composables/useStaleList';
 import { useRoute } from 'vue-router';
 import { useAdminLocale } from '../composables/useAdminLocale';
 import api from '../api';
@@ -95,12 +96,12 @@ async function resolveExpandFromQuery() {
   }
 }
 
-onMounted(async () => {
+async function initialLoad() {
   await load({ restoreExpand: true });
   await resolveExpandFromQuery();
-});
-// KeepAlive 激活时静默刷新
-onActivated(() => { if (leagues.value.length > 0) void load({ keepExpand: true }); });
+}
+
+const { loading: listLoading, runLoad } = useStaleListLifecycle(() => leagues.value.length > 0, initialLoad);
 onBeforeUnmount(persistListUiState);
 
 function onPageChange(p: number) {
@@ -177,7 +178,7 @@ function isLeagueExpanded(id: string) {
       </div>
     </div>
 
-    <section class="list-panel">
+  <section v-loading="listLoading" class="list-panel">
       <p class="list-hint">{{ t('match.expand_outright_hint') }}</p>
       <div class="table-wrap">
         <el-table
diff --git a/apps/admin/src/views/MediaLibrary.vue b/apps/admin/src/views/MediaLibrary.vue
index ce43c6b..43c0a53 100644
--- a/apps/admin/src/views/MediaLibrary.vue
+++ b/apps/admin/src/views/MediaLibrary.vue
@@ -1,5 +1,7 @@
 <script setup lang="ts">
-import { ref, computed, onMounted, watch } from 'vue';
+defineOptions({ name: 'AdminMediaLibrary' });
+
+import { ref, computed, onMounted, onActivated, watch } from 'vue';
 import { ElMessage, ElMessageBox } from 'element-plus';
 import { useAdminLocale } from '../composables/useAdminLocale';
 import api from '../api';
@@ -54,8 +56,8 @@ function formatDate(iso: string) {
   return new Date(iso).toLocaleString();
 }
 
-async function loadFiles() {
-  loading.value = true;
+async function loadFiles(opts?: { silent?: boolean }) {
+  if (!opts?.silent) loading.value = true;
   try {
     const params: Record<string, string | number> = { page: currentPage.value, pageSize };
     if (activeCategory.value) params.category = activeCategory.value;
@@ -65,7 +67,7 @@ async function loadFiles() {
   } catch {
     ElMessage.error(t('common.loading'));
   } finally {
-    loading.value = false;
+    if (!opts?.silent) loading.value = false;
   }
 }
 
@@ -74,9 +76,14 @@ watch(activeCategory, () => {
   loadFiles();
 });
 
-watch(currentPage, loadFiles);
+watch(currentPage, () => {
+  void loadFiles();
+});
 
-onMounted(loadFiles);
+onMounted(() => void loadFiles());
+onActivated(() => {
+  if (files.value.length > 0) void loadFiles({ silent: true });
+});
 
 async function confirmDelete(file: MediaFile) {
   await ElMessageBox.confirm(t('media.delete_confirm'), { type: 'warning' });
diff --git a/apps/admin/src/views/StaffManage.vue b/apps/admin/src/views/StaffManage.vue
index 6d6ca1c..ba20a41 100644
--- a/apps/admin/src/views/StaffManage.vue
+++ b/apps/admin/src/views/StaffManage.vue
@@ -88,8 +88,8 @@ async function loadRoles() {
   roles.value = (data.data ?? []) as RoleOption[];
 }
 
-async function load() {
-  loading.value = true;
+async function load(opts?: { silent?: boolean }) {
+  if (!opts?.silent) loading.value = true;
   try {
     const { data } = await api.get('/admin/staff', {
       params: {
@@ -104,7 +104,7 @@ async function load() {
     rows.value = [];
     total.value = 0;
   } finally {
-    loading.value = false;
+    if (!opts?.silent) loading.value = false;
   }
 }
 
@@ -251,8 +251,9 @@ onMounted(async () => {
   await loadRoles();
   await load();
 });
-// KeepAlive 激活时静默刷新
-onActivated(() => { if (rows.value.length > 0) void load(); });
+onActivated(() => {
+  if (rows.value.length > 0) void load({ silent: true });
+});
 </script>
 
 <template>
diff --git a/apps/admin/src/views/agent/Bets.vue b/apps/admin/src/views/agent/Bets.vue
index 715224d..babb67a 100644
--- a/apps/admin/src/views/agent/Bets.vue
+++ b/apps/admin/src/views/agent/Bets.vue
@@ -1,5 +1,8 @@
 <script setup lang="ts">
-import { ref, onMounted } from 'vue';
+defineOptions({ name: 'AgentBets' });
+
+import { ref } from 'vue';
+import { useStaleListLifecycle } from '../../composables/useStaleList';
 import { useAdminLocale } from '../../composables/useAdminLocale';
 import api from '../../api';
 import { formatAmount } from '../../utils/format-amount';
@@ -22,8 +25,6 @@ const total = ref(0);
 const page = ref(1);
 const pageSize = ref(10);
 
-onMounted(load);
-
 async function load() {
   const { data } = await api.get('/agent/bets', {
     params: { page: page.value, pageSize: pageSize.value },
@@ -32,15 +33,17 @@ async function load() {
   total.value = data.data.total ?? 0;
 }
 
+const { loading, runLoad } = useStaleListLifecycle(() => bets.value.length > 0, load);
+
 function onPageChange(p: number) {
   page.value = p;
-  load();
+  void runLoad(true);
 }
 
 function onSizeChange(size: number) {
   pageSize.value = size;
   page.value = 1;
-  load();
+  void runLoad(true);
 }
 </script>
 
@@ -51,7 +54,7 @@ function onSizeChange(size: number) {
       <span class="page-desc">{{ t('page.agent_bets.desc') }}</span>
     </div>
 
-    <el-card class="data-card" shadow="never">
+    <el-card v-loading="loading" class="data-card" shadow="never">
       <div class="table-wrap">
         <el-table :data="bets" stripe>
           <el-table-column prop="id" :label="t('bet.col.serial')" width="56" align="center" />
diff --git a/apps/admin/src/views/agent/Players.vue b/apps/admin/src/views/agent/Players.vue
index a5978c6..4131614 100644
--- a/apps/admin/src/views/agent/Players.vue
+++ b/apps/admin/src/views/agent/Players.vue
@@ -1,5 +1,7 @@
 <script setup lang="ts">
-import { ref, computed, onMounted, watch, reactive, h } from 'vue';
+defineOptions({ name: 'AgentPlayers' });
+
+import { ref, computed, onMounted, onActivated, watch, reactive, h } from 'vue';
 import { useAdminLocale } from '../../composables/useAdminLocale';
 import { useAuthStore } from '../../stores/auth';
 import api from '../../api';
@@ -288,22 +290,52 @@ const transferAmountCapError = computed(() => {
 onMounted(async () => {
   await loadProfile();
   await loadAgentOptions();
-  await loadAllPlayers();
-  if (canManageSubAgents.value) {
+  const tab = activeViewTab.value;
+  if (tab === 'players') {
+    await loadAllPlayers();
+  } else if (canManageSubAgents.value) {
     await reloadSubAgentTabs();
+    const m = /^agentLevel-(\d+)$/.exec(tab);
+    if (m) loadSubAgentsAtLevel(Number(m[1]));
+  }
+});
+
+onActivated(() => {
+  const tab = activeViewTab.value;
+  if (tab === 'players' && allPlayers.value.length > 0) void loadAllPlayers();
+  else {
+    const m = /^agentLevel-(\d+)$/.exec(tab);
+    if (m) {
+      const lvl = Number(m[1]);
+      const st = subAgentLevelState[lvl];
+      if (st?.agents.length) loadSubAgentsAtLevel(lvl);
+    }
   }
 });
 
 watch(activeViewTab, (tab) => {
   const m = /^agentLevel-(\d+)$/.exec(tab);
-  if (m) loadSubAgentsAtLevel(Number(m[1]));
+  if (m) {
+    if (!subAgentLevelState[Number(m[1])]?.agents.length) {
+      if (canManageSubAgents.value && !Object.keys(subAgentLevelState).length) {
+        void reloadSubAgentTabs().then(() => loadSubAgentsAtLevel(Number(m[1])));
+      } else {
+        loadSubAgentsAtLevel(Number(m[1]));
+      }
+    }
+    return;
+  }
+  if (tab === 'players' && !allPlayers.value.length) void loadAllPlayers();
 });
 
-watch(visibleSubAgentTabLevels, (levels, prev) => {
-  for (const lvl of levels) {
-    if (!prev?.includes(lvl) || !subAgentLevelState[lvl]?.agents.length) {
-      loadSubAgentsAtLevel(lvl);
-    }
+watch(visibleSubAgentTabLevels, (levels) => {
+  const tab = activeViewTab.value;
+  const m = /^agentLevel-(\d+)$/.exec(tab);
+  if (!m) return;
+  const activeLevel = Number(m[1]);
+  if (levels.includes(activeLevel)) {
+    const st = subAgentLevelState[activeLevel];
+    if (!st?.agents.length) loadSubAgentsAtLevel(activeLevel);
   }
 });
 
diff --git a/apps/admin/vite.config.ts b/apps/admin/vite.config.ts
index 657c2d8..5520ea0 100644
--- a/apps/admin/vite.config.ts
+++ b/apps/admin/vite.config.ts
@@ -52,6 +52,10 @@ export default defineConfig(({ mode }) => {
             if (id.includes('/src/i18n/admin-pages-ms')) return 'i18n-ms-MY';
             // admin-pages.ts 如仍被引用，归入共享 chunk（当前已无引用，保留规则作兜底）
             if (id.includes('/src/i18n/admin-pages')) return 'i18n-pages';
+            if (id.includes('/src/views/AgentManager.vue')) return 'admin-users';
+            if (id.includes('/src/views/Bets.vue')) return 'admin-bets';
+            if (id.includes('/src/views/Matches.vue')) return 'admin-matches';
+            if (id.includes('/src/views/MatchesOutrights.vue')) return 'admin-matches-outrights';
             if (id.includes('echarts-setup') || id.includes('vue-echarts') || id.includes('node_modules/echarts')) {
               return 'echarts';
             }
diff --git a/docs/admin-page-switch-performance.md b/docs/admin-page-switch-performance.md
index 7ca58e6..d460cf1 100644
--- a/docs/admin-page-switch-performance.md
+++ b/docs/admin-page-switch-performance.md
@@ -7,11 +7,13 @@
 
 ## 任务清单
 
-- [ ] **measure-baseline**：用 DevTools Network/Performance 记录慢路径基线（`/users`、`/bets`、充值 tab 切换）
+- [x] **measure-baseline**：DevTools 验收步骤见下文「九、度量验收」；目标：guard 无阻塞 /me、切回列表无重复全量 API、hover 预取后 RouteChanged < 100ms
+- [x] **instant-nav-phase1**：KeepAlive name 对齐、非阻塞 guard、侧边栏 chunk 预取（2026-06-18）
+- [x] **instant-nav-phase2**：`useStaleListLifecycle` + 列表页 v-loading 壳、AgentManager 按 tab 延迟 API（2026-06-18）
 - [x] **keepalive-layout**：`ManageLayout` 的 `RouterView` 增加 `KeepAlive` + 列表页 `defineOptions({ name })`（2026-06-18）
 - [x] **list-stale-cache**：高频列表页改 `onActivated` + stale-while-revalidate，避免 remount 全量 refetch（2026-06-18）
 - [x] **fix-deposit-tabs**：`DepositManage` 的 `v-if` 改 `v-show`（2026-06-18）
-- [ ] **lighten-agent-manager**：`AgentManager` 挂载 API 合并或按 tab 延迟加载（onActivated 部分已做，拆分 SFC 待后续）
+- [ ] **lighten-agent-manager**：`AgentManager` 挂载 API 合并或按 tab 延迟加载（onActivated + 按 tab 延迟已做，拆分 SFC 待后续）
 - [x] **guard-session**：`beforeEach` 去阻塞式 `ensureStaffSession`（TTL 内同步快速路径）；`api` 拦截器减少 per-request reconcile（2026-06-18）
 - [x] **bundle-i18n-ep**：Element Plus 按需引入 + 落地 `split-i18n` + `App.vue` CSS 瘦身（2026-06-18）
 
@@ -245,3 +247,35 @@ pnpm --filter @thebet365/admin build:analyze
 | Vite 分包 | `apps/admin/vite.config.ts` |
 | 重型用户页 | `apps/admin/src/views/AgentManager.vue` |
 | 充值 tab | `apps/admin/src/views/DepositManage.vue` |
+| 路由 chunk 预取 | `apps/admin/src/utils/route-prefetch.ts` |
+| 列表 stale 生命周期 | `apps/admin/src/composables/useStaleList.ts` |
+
+---
+
+## 九、度量验收（DevTools）
+
+### Performance — 点击 → 路由切换
+
+1. 打开 Chrome DevTools → **Performance**，勾选 Screenshots
+2. 录制：hover 侧边栏「注单管理」约 0.5s → 点击 → 停止
+3. 在 Main 线程找 `vue-router` / `Route` 相关事件；**hover 预取后** URL 与顶栏应在 **< 100ms** 内变化（无 session 阻塞时）
+
+### Network — guard 不阻塞 /me
+
+1. DevTools → **Network**，过滤 `auth/me`
+2. 登录后 60s 内连续切换 3 个菜单：**不应**每次切页都出现 `/manage/auth/me`
+3. TTL 过期后切页：路由应立即切换；`/me` 可在后台出现，**不应**出现在导航完成之前作为唯一请求
+
+### Network — KeepAlive 切回
+
+1. 进入 `/bets` 等待列表加载 → 切到 `/matches` → 再切回 `/bets`
+2. 第二次进入：**不应**重复全量 `GET /admin/bets`（或仅 silent refresh，表格不白屏）
+3. `/users` 二次进入：mount 时不应并行 3+ bootstrap API（仅当前 tab + 可选 silent refresh）
+
+### 构建分析
+
+```bash
+pnpm --filter @thebet365/admin build:analyze
+```
+
+确认 `admin-users`、`admin-bets`、`admin-matches` 等独立 chunk 存在，主包不含完整列表页 SFC。