diff --git a/lib/common/static/instance_embed.js b/lib/common/static/instance_embed.js
index 0963b12..7d00bad 100644
--- a/lib/common/static/instance_embed.js
+++ b/lib/common/static/instance_embed.js
@@ -99,6 +99,9 @@
       if (typeof global.initStatsSegmentFromUrl === "function") global.initStatsSegmentFromUrl();
     }
     if (!revisit) {
+      if (typeof global.refreshAccountSnapshot === "function") {
+        global.refreshAccountSnapshot({ silent: true });
+      }
       if (typeof global.refreshPriceSnapshotConditional === "function") {
         global.refreshPriceSnapshotConditional();
       }
@@ -240,7 +243,7 @@
 
   function syncShellChrome(tab) {
     const onSettings = tab === "settings";
-    document.querySelectorAll(".instance-header-panel, .instance-top-bar").forEach((el) => {
+    document.querySelectorAll(".instance-top-bar").forEach((el) => {
       el.hidden = onSettings;
     });
   }
diff --git a/lib/common/static/instance_live.js b/lib/common/static/instance_live.js
index 05bdace..ce30606 100644
--- a/lib/common/static/instance_live.js
+++ b/lib/common/static/instance_live.js
@@ -47,6 +47,7 @@
     if (!ver) return;
     if (reason === "connect") {
       localLiveVersion = ver;
+      scheduleRefresh();
       return;
     }
     if (ver === localLiveVersion) return;
diff --git a/lib/instance/templates/embed_boot_scripts.html b/lib/instance/templates/embed_boot_scripts.html
index 609ff47..8339139 100644
--- a/lib/instance/templates/embed_boot_scripts.html
+++ b/lib/instance/templates/embed_boot_scripts.html
@@ -1039,18 +1039,23 @@ function refreshOrderDefaults(){
 }
 
 function paintRealtimePnl(v){
-    const pnlEl = document.getElementById("realtime-pnl");
-    if(!pnlEl) return;
+    const nodes = document.querySelectorAll('[data-funds-field="realtime-pnl"]');
+    if(!nodes.length) return;
     if(v === null || v === undefined || Number.isNaN(Number(v))){
-        pnlEl.innerText = "—";
-        pnlEl.classList.remove("pnl-pos", "pnl-neg");
+        nodes.forEach((pnlEl) => {
+            pnlEl.innerText = "—";
+            pnlEl.classList.remove("pnl-pos", "pnl-neg");
+        });
         return;
     }
     const n = Number(v);
     const sign = n > 0 ? "+" : "";
-    pnlEl.innerText = `${sign}${n.toFixed(2)}U`;
-    pnlEl.classList.toggle("pnl-pos", n > 0);
-    pnlEl.classList.toggle("pnl-neg", n < 0);
+    const text = `${sign}${n.toFixed(2)}U`;
+    nodes.forEach((pnlEl) => {
+        pnlEl.innerText = text;
+        pnlEl.classList.toggle("pnl-pos", n > 0);
+        pnlEl.classList.toggle("pnl-neg", n < 0);
+    });
 }
 function sumOrdersFloatPnl(orders){
     if(!orders || !orders.length) return null;
@@ -1091,81 +1096,104 @@ function formatOptionsFundingLabel(usdc, usdt) {
     return parts.length ? parts.join(" · ") : "—";
 }
 
+function setFundsFieldText(field, text){
+    if(text == null || text === "") return;
+    document.querySelectorAll(`[data-funds-field="${field}"]`).forEach((el) => {
+        el.innerText = text;
+    });
+}
+function accountSnapshotFundingMissing(data){
+    if(!data || typeof data !== "object") return true;
+    const hasFunding = data.funding_usdt != null && data.funding_usdt !== "";
+    const hasTotal = data.total_funds != null && data.total_funds !== "";
+    const hasTrading = data.current_capital != null && data.current_capital !== "";
+    return !hasFunding && !hasTotal && !hasTrading;
+}
+let accountSnapshotRetryCount = 0;
+function applyAccountSnapshot(data){
+    if(!data || typeof data !== "object") return;
+    if(data.funding_usdt != null && data.funding_usdt !== ""){
+        setFundsFieldText("total-capital", `${Number(data.funding_usdt).toFixed(2)}U`);
+    }
+    if(data.total_funds != null && data.total_funds !== ""){
+        setFundsFieldText("total-funds", `${Number(data.total_funds).toFixed(2)}U`);
+    }
+    if(data.current_capital != null && data.current_capital !== "" && !Number.isNaN(Number(data.current_capital))){
+        setFundsFieldText("current-capital", `${Number(data.current_capital).toFixed(2)}U`);
+    }
+    if(data.options_funding_usdc != null || data.options_funding_usdt != null){
+        const optFunding = formatOptionsFundingLabel(data.options_funding_usdc, data.options_funding_usdt);
+        if(optFunding !== "—") setFundsFieldText("options-funding-usdc", optFunding);
+    }
+    if(data.options_trading_usdc != null && data.options_trading_usdc !== ""){
+        setFundsFieldText("options-trading-usdc", `${Number(data.options_trading_usdc).toFixed(2)} USDC`);
+    }
+    if(typeof data.unrealized_pnl !== "undefined"){
+        paintRealtimePnl(data.unrealized_pnl);
+    }
+    if(typeof data.available_trading_usdt !== "undefined" && data.available_trading_usdt !== null){
+        latestAvailableUsdt = Number(data.available_trading_usdt);
+    }
+    if(data.risk_status){
+        document.querySelectorAll("#account-risk-badge").forEach((badge) => {
+            if(window.AccountRiskBadge){
+                AccountRiskBadge.applyToElement(badge, data.risk_status);
+            }else{
+                const st = data.risk_status.status || "normal";
+                badge.className = "risk-status-badge risk-status-" + st;
+                badge.innerText = data.risk_status.status_label || "正常";
+                badge.title = data.risk_status.reason || "";
+            }
+        });
+    }
+    if(data.force_close && window.TimeCloseUI && TimeCloseUI.paintForceCloseHeader){
+        TimeCloseUI.paintForceCloseHeader(data.force_close);
+    }
+    let canTradeText = "可开仓";
+    if(!data.can_trade){
+        const parts = [];
+        if(data.risk_status && data.risk_status.can_trade === false && data.risk_status.reason){
+            parts.push(data.risk_status.reason);
+        }
+        const ac = Number(data.active_count || 0);
+        const max = Number(data.max_active_positions || {{ max_active_positions }});
+        if(ac >= max) parts.push(`持仓 ${ac}/${max}`);
+        const hard = Number(data.daily_open_hard_limit != null ? data.daily_open_hard_limit : {{ daily_open_hard_limit }});
+        const opens = Number(data.opens_today);
+        if(hard > 0 && !Number.isNaN(opens) && opens >= hard) parts.push(`本交易日开仓 ${opens}/${hard} 已达上限`);
+        if(!parts.length) parts.push(`未到北京时间 {{ reset_hour }}:00`);
+        else parts.push(`或未到北京时间 {{ reset_hour }}:00`);
+        canTradeText = `不可开仓（${parts.join("；")}）`;
+    }
+    const opensToday = Number(data.opens_today);
+    const hardLim = Number(data.daily_open_hard_limit != null ? data.daily_open_hard_limit : {{ daily_open_hard_limit }});
+    const alertLim = Number(data.daily_open_alert_threshold != null ? data.daily_open_alert_threshold : {{ daily_open_alert_threshold }});
+    const openCntTxt = !Number.isNaN(opensToday)
+        ? `本交易日开仓 ${opensToday}${hardLim > 0 ? ` / 硬上限 ${hardLim}` : ""}（AI 提醒 ${alertLim}）`
+        : "";
+    const tip = document.getElementById("order-rule-tip");
+    const avail = (latestAvailableUsdt !== null && !Number.isNaN(latestAvailableUsdt)) ? `；交易账户可用约${latestAvailableUsdt.toFixed(2)}U` : "";
+    if(tip){
+        tip.innerText = `规则：最多 ${data.max_active_positions || {{ max_active_positions }}} 仓；BTC {{ btc_leverage }}x / 山寨 {{ alt_leverage }}x；${openCntTxt ? openCntTxt + "；" : ""}${canTradeText}${avail}；人工开仓盈亏比不得低于 {{ manual_min_planned_rr }}:1`;
+    }
+}
 function refreshAccountSnapshot(opts){
     const options = opts || {};
     const qs = options.force ? "?force=1" : "";
     fetch("/api/account_snapshot" + qs).then(r=>r.json()).then(data=>{
-        if (typeof data.funding_usdt !== "undefined") {
-            const el = document.getElementById("total-capital");
-            if(el) el.innerText = (data.funding_usdt === null || data.funding_usdt === undefined) ? "—" : `${Number(data.funding_usdt).toFixed(2)}U`;
+        applyAccountSnapshot(data);
+        if(accountSnapshotFundingMissing(data) && !options.force && accountSnapshotRetryCount < 3){
+            accountSnapshotRetryCount += 1;
+            setTimeout(() => refreshAccountSnapshot({ silent: true, force: accountSnapshotRetryCount >= 2 }), 1200 * accountSnapshotRetryCount);
+        }else if(!accountSnapshotFundingMissing(data)){
+            accountSnapshotRetryCount = 0;
         }
-        if (typeof data.total_funds !== "undefined") {
-            const el = document.getElementById("total-funds");
-            if(el) el.innerText = (data.total_funds === null || data.total_funds === undefined) ? "—" : `${Number(data.total_funds).toFixed(2)}U`;
+    }).catch(()=>{
+        if(!options.silent && accountSnapshotRetryCount < 3){
+            accountSnapshotRetryCount += 1;
+            setTimeout(() => refreshAccountSnapshot({ silent: true }), 1200 * accountSnapshotRetryCount);
         }
-        if (typeof data.current_capital !== "undefined") {
-            const el = document.getElementById("current-capital");
-            if(el) el.innerText = `${Number(data.current_capital).toFixed(2)}U`;
-        }
-        if (typeof data.options_funding_usdc !== "undefined" || typeof data.options_funding_usdt !== "undefined") {
-            const el = document.getElementById("options-funding-usdc");
-            if (el) el.innerText = formatOptionsFundingLabel(data.options_funding_usdc, data.options_funding_usdt);
-        }
-        if (typeof data.options_trading_usdc !== "undefined") {
-            const el = document.getElementById("options-trading-usdc");
-            if (el) el.innerText = (data.options_trading_usdc === null || data.options_trading_usdc === undefined)
-                ? "—" : `${Number(data.options_trading_usdc).toFixed(2)} USDC`;
-        }
-        if (typeof data.unrealized_pnl !== "undefined") {
-            paintRealtimePnl(data.unrealized_pnl);
-        }
-        if (typeof data.available_trading_usdt !== "undefined" && data.available_trading_usdt !== null) {
-            latestAvailableUsdt = Number(data.available_trading_usdt);
-        }
-        if (data.risk_status) {
-            const badge = document.getElementById("account-risk-badge");
-            if (badge) {
-                if (window.AccountRiskBadge) {
-                    AccountRiskBadge.applyToElement(badge, data.risk_status);
-                } else {
-                    const st = data.risk_status.status || "normal";
-                    badge.className = "risk-status-badge risk-status-" + st;
-                    badge.innerText = data.risk_status.status_label || "正常";
-                    badge.title = data.risk_status.reason || "";
-                }
-            }
-        }
-        if (data.force_close && window.TimeCloseUI && TimeCloseUI.paintForceCloseHeader) {
-            TimeCloseUI.paintForceCloseHeader(data.force_close);
-        }
-        let canTradeText = "可开仓";
-        if (!data.can_trade) {
-            const parts = [];
-            if (data.risk_status && data.risk_status.can_trade === false && data.risk_status.reason) {
-                parts.push(data.risk_status.reason);
-            }
-            const ac = Number(data.active_count || 0);
-            const max = Number(data.max_active_positions || {{ max_active_positions }});
-            if (ac >= max) parts.push(`持仓 ${ac}/${max}`);
-            const hard = Number(data.daily_open_hard_limit != null ? data.daily_open_hard_limit : {{ daily_open_hard_limit }});
-            const opens = Number(data.opens_today);
-            if (hard > 0 && !Number.isNaN(opens) && opens >= hard) parts.push(`本交易日开仓 ${opens}/${hard} 已达上限`);
-            if (!parts.length) parts.push(`未到北京时间 {{ reset_hour }}:00`);
-            else parts.push(`或未到北京时间 {{ reset_hour }}:00`);
-            canTradeText = `不可开仓（${parts.join("；")}）`;
-        }
-        const opensToday = Number(data.opens_today);
-        const hardLim = Number(data.daily_open_hard_limit != null ? data.daily_open_hard_limit : {{ daily_open_hard_limit }});
-        const alertLim = Number(data.daily_open_alert_threshold != null ? data.daily_open_alert_threshold : {{ daily_open_alert_threshold }});
-        const openCntTxt = !Number.isNaN(opensToday)
-            ? `本交易日开仓 ${opensToday}${hardLim > 0 ? ` / 硬上限 ${hardLim}` : ""}（AI 提醒 ${alertLim}）`
-            : "";
-        const tip = document.getElementById("order-rule-tip");
-        const avail = (latestAvailableUsdt !== null && !Number.isNaN(latestAvailableUsdt)) ? `；交易账户可用约${latestAvailableUsdt.toFixed(2)}U` : "";
-        if(tip){
-            tip.innerText = `规则：最多 ${data.max_active_positions || {{ max_active_positions }}} 仓；BTC {{ btc_leverage }}x / 山寨 {{ alt_leverage }}x；${openCntTxt ? openCntTxt + "；" : ""}${canTradeText}${avail}；人工开仓盈亏比不得低于 {{ manual_min_planned_rr }}:1`;
-        }
-    }).catch(()=>{});
+    });
 }
 
 const orderSymbolEl = document.getElementById("order-symbol");
diff --git a/lib/instance/templates/embed_shell.html b/lib/instance/templates/embed_shell.html
index f5a0b4c..8d1c860 100644
--- a/lib/instance/templates/embed_shell.html
+++ b/lib/instance/templates/embed_shell.html
@@ -43,9 +43,7 @@
     </nav>
     <div id="embed-flash" class="flash" style="display:none" role="status"></div>
 
-    {% if initial_tab != 'settings' %}
     {% include 'instance_header_panel.html' %}
-    {% endif %}
     {% if initial_tab != 'settings' and include_transfer_block %}
     {% include 'instance_top_bar.html' %}
     {% endif %}
@@ -91,6 +89,6 @@ const ORDER_ENTRY_MODEL_CODE_TO_CATEGORY = {{ entry_model_code_to_category | toj
 <script src="/static/key_monitor_form.js?v=2"></script>
 {% include 'embed_boot_scripts.html' %}
 <script src="/static/instance_live.js?v=3"></script>
-<script src="/static/instance_embed.js?v=13"></script>
+<script src="/static/instance_embed.js?v=15"></script>
 </body>
 </html>
diff --git a/lib/instance/templates/index.html b/lib/instance/templates/index.html
index 3614c3c..7d131b3 100644
--- a/lib/instance/templates/index.html
+++ b/lib/instance/templates/index.html
@@ -68,9 +68,7 @@
     </div>
     {% with msg=get_flashed_messages() %}{% if msg %}<div class="flash">{{ msg[0] }}</div>{% endif %}{% endwith %}
 
-    {% if page != 'settings' %}
     {% include 'instance_header_panel.html' %}
-    {% endif %}
     {% if page != 'settings' and page != 'options' %}
     {% include 'instance_top_bar.html' %}
     {% endif %}
@@ -1593,18 +1591,23 @@ function refreshOrderDefaults(){
 }
 
 function paintRealtimePnl(v){
-    const pnlEl = document.getElementById("realtime-pnl");
-    if(!pnlEl) return;
+    const nodes = document.querySelectorAll('[data-funds-field="realtime-pnl"]');
+    if(!nodes.length) return;
     if(v === null || v === undefined || Number.isNaN(Number(v))){
-        pnlEl.innerText = "—";
-        pnlEl.classList.remove("pnl-pos", "pnl-neg");
+        nodes.forEach((pnlEl) => {
+            pnlEl.innerText = "—";
+            pnlEl.classList.remove("pnl-pos", "pnl-neg");
+        });
         return;
     }
     const n = Number(v);
     const sign = n > 0 ? "+" : "";
-    pnlEl.innerText = `${sign}${n.toFixed(2)}U`;
-    pnlEl.classList.toggle("pnl-pos", n > 0);
-    pnlEl.classList.toggle("pnl-neg", n < 0);
+    const text = `${sign}${n.toFixed(2)}U`;
+    nodes.forEach((pnlEl) => {
+        pnlEl.innerText = text;
+        pnlEl.classList.toggle("pnl-pos", n > 0);
+        pnlEl.classList.toggle("pnl-neg", n < 0);
+    });
 }
 function sumOrdersFloatPnl(orders){
     if(!orders || !orders.length) return null;
@@ -1645,87 +1648,112 @@ function formatOptionsFundingLabel(usdc, usdt) {
     return parts.length ? parts.join(" · ") : "—";
 }
 
-function refreshAccountSnapshot(){
-    fetch("/api/account_snapshot").then(r=>r.json()).then(data=>{
-        if (typeof data.funding_usdt !== "undefined") {
-            const el = document.getElementById("total-capital");
-            if(el) el.innerText = (data.funding_usdt === null || data.funding_usdt === undefined) ? "—" : `${Number(data.funding_usdt).toFixed(2)}U`;
-        }
-        if (typeof data.total_funds !== "undefined") {
-            const el = document.getElementById("total-funds");
-            if(el) el.innerText = (data.total_funds === null || data.total_funds === undefined) ? "—" : `${Number(data.total_funds).toFixed(2)}U`;
-        }
-        if (typeof data.current_capital !== "undefined") {
-            const el = document.getElementById("current-capital");
-            if(el) el.innerText = `${Number(data.current_capital).toFixed(2)}U`;
-        }
-        if (typeof data.options_funding_usdc !== "undefined" || typeof data.options_funding_usdt !== "undefined") {
-            const el = document.getElementById("options-funding-usdc");
-            if (el) el.innerText = formatOptionsFundingLabel(data.options_funding_usdc, data.options_funding_usdt);
-        }
-        if (typeof data.options_trading_usdc !== "undefined") {
-            const el = document.getElementById("options-trading-usdc");
-            if (el) el.innerText = (data.options_trading_usdc === null || data.options_trading_usdc === undefined)
-                ? "—" : `${Number(data.options_trading_usdc).toFixed(2)} USDC`;
-        }
-        if (typeof data.unrealized_pnl !== "undefined") {
-            paintRealtimePnl(data.unrealized_pnl);
-        }
-        if (typeof data.available_trading_usdt !== "undefined" && data.available_trading_usdt !== null) {
-            latestAvailableUsdt = Number(data.available_trading_usdt);
-        }
-        if (data.risk_status) {
-            const badge = document.getElementById("account-risk-badge");
-            if (badge) {
-                if (window.AccountRiskBadge) {
-                    AccountRiskBadge.applyToElement(badge, data.risk_status);
-                } else {
-                    const st = data.risk_status.status || "normal";
-                    badge.className = "risk-status-badge risk-status-" + st;
-                    badge.innerText = data.risk_status.status_label || "正常";
-                    badge.title = data.risk_status.reason || "";
-                }
+function setFundsFieldText(field, text){
+    if(text == null || text === "") return;
+    document.querySelectorAll(`[data-funds-field="${field}"]`).forEach((el) => {
+        el.innerText = text;
+    });
+}
+function accountSnapshotFundingMissing(data){
+    if(!data || typeof data !== "object") return true;
+    const hasFunding = data.funding_usdt != null && data.funding_usdt !== "";
+    const hasTotal = data.total_funds != null && data.total_funds !== "";
+    const hasTrading = data.current_capital != null && data.current_capital !== "";
+    return !hasFunding && !hasTotal && !hasTrading;
+}
+let accountSnapshotRetryCount = 0;
+function applyAccountSnapshot(data){
+    if(!data || typeof data !== "object") return;
+    if(data.funding_usdt != null && data.funding_usdt !== ""){
+        setFundsFieldText("total-capital", `${Number(data.funding_usdt).toFixed(2)}U`);
+    }
+    if(data.total_funds != null && data.total_funds !== ""){
+        setFundsFieldText("total-funds", `${Number(data.total_funds).toFixed(2)}U`);
+    }
+    if(data.current_capital != null && data.current_capital !== "" && !Number.isNaN(Number(data.current_capital))){
+        setFundsFieldText("current-capital", `${Number(data.current_capital).toFixed(2)}U`);
+    }
+    if(data.options_funding_usdc != null || data.options_funding_usdt != null){
+        const optFunding = formatOptionsFundingLabel(data.options_funding_usdc, data.options_funding_usdt);
+        if(optFunding !== "—") setFundsFieldText("options-funding-usdc", optFunding);
+    }
+    if(data.options_trading_usdc != null && data.options_trading_usdc !== ""){
+        setFundsFieldText("options-trading-usdc", `${Number(data.options_trading_usdc).toFixed(2)} USDC`);
+    }
+    if(typeof data.unrealized_pnl !== "undefined"){
+        paintRealtimePnl(data.unrealized_pnl);
+    }
+    if(typeof data.available_trading_usdt !== "undefined" && data.available_trading_usdt !== null){
+        latestAvailableUsdt = Number(data.available_trading_usdt);
+    }
+    if(data.risk_status){
+        document.querySelectorAll("#account-risk-badge").forEach((badge) => {
+            if(window.AccountRiskBadge){
+                AccountRiskBadge.applyToElement(badge, data.risk_status);
+            }else{
+                const st = data.risk_status.status || "normal";
+                badge.className = "risk-status-badge risk-status-" + st;
+                badge.innerText = data.risk_status.status_label || "正常";
+                badge.title = data.risk_status.reason || "";
             }
+        });
+    }
+    if(data.force_close && window.TimeCloseUI && TimeCloseUI.paintForceCloseHeader){
+        TimeCloseUI.paintForceCloseHeader(data.force_close);
+    }
+    let canTradeText = "可开仓";
+    if(!data.can_trade){
+        const parts = [];
+        if(data.risk_status && data.risk_status.can_trade === false && data.risk_status.reason){
+            parts.push(data.risk_status.reason);
         }
-        if (data.force_close && window.TimeCloseUI && TimeCloseUI.paintForceCloseHeader) {
-            TimeCloseUI.paintForceCloseHeader(data.force_close);
+        if((data.active_count||0) >= (data.max_active_positions||{{ max_active_positions }})) parts.push(`持仓 ${data.active_count}/${data.max_active_positions}`);
+        const hard = Number(data.daily_open_hard_limit != null ? data.daily_open_hard_limit : {{ daily_open_hard_limit }});
+        const opens = Number(data.opens_today);
+        if(hard > 0 && !Number.isNaN(opens) && opens >= hard) parts.push(`本交易日开仓 ${opens}/${hard} 已达上限`);
+        if(data.open_guard_blocks_now) parts.push(`未到北京时间 ${data.reset_hour||{{ reset_hour }}}:00`);
+        canTradeText = parts.length ? `不可开仓（${parts.join("；")}）` : "不可开仓";
+    }
+    const opensToday = Number(data.opens_today);
+    const hardLim = Number(data.daily_open_hard_limit != null ? data.daily_open_hard_limit : {{ daily_open_hard_limit }});
+    const alertLim = Number(data.daily_open_alert_threshold != null ? data.daily_open_alert_threshold : {{ daily_open_alert_threshold }});
+    const openCntTxt = !Number.isNaN(opensToday)
+        ? `本交易日开仓 ${opensToday}${hardLim > 0 ? ` / 硬上限 ${hardLim}` : ""}（AI 提醒 ${alertLim}）`
+        : "";
+    const tip = document.getElementById("order-rule-tip");
+    const avail = (latestAvailableUsdt !== null && !Number.isNaN(latestAvailableUsdt)) ? `；交易账户可用约${latestAvailableUsdt.toFixed(2)}U` : "";
+    if(tip){
+        tip.innerText = `规则：最多 ${data.max_active_positions || {{ max_active_positions }}} 仓；BTC {{ btc_leverage }}x / 山寨 {{ alt_leverage }}x；${openCntTxt ? openCntTxt + "；" : ""}${canTradeText}${avail}；人工开仓盈亏比不得低于 {{ manual_min_planned_rr }}:1`;
+    }
+    const allowEl = document.getElementById("allow-open-before-reset");
+    const guardStatus = document.getElementById("open-guard-status");
+    const resetH = data.reset_hour != null ? data.reset_hour : {{ reset_hour }};
+    if(allowEl && typeof data.open_guard_enabled !== "undefined"){
+        allowEl.checked = !data.open_guard_enabled;
+    }
+    if(guardStatus && typeof data.open_guard_enabled !== "undefined"){
+        guardStatus.innerText = data.open_guard_enabled
+            ? `已限制：${resetH}:00 前不可开仓`
+            : `已放开：${resetH}:00 前允许开仓`;
+    }
+}
+function refreshAccountSnapshot(opts){
+    const options = opts || {};
+    const qs = options.force ? "?force=1" : "";
+    fetch("/api/account_snapshot" + qs).then(r=>r.json()).then(data=>{
+        applyAccountSnapshot(data);
+        if(accountSnapshotFundingMissing(data) && !options.force && accountSnapshotRetryCount < 3){
+            accountSnapshotRetryCount += 1;
+            setTimeout(() => refreshAccountSnapshot({ silent: true, force: accountSnapshotRetryCount >= 2 }), 1200 * accountSnapshotRetryCount);
+        }else if(!accountSnapshotFundingMissing(data)){
+            accountSnapshotRetryCount = 0;
         }
-        let canTradeText = "可开仓";
-        if(!data.can_trade){
-            const parts = [];
-            if (data.risk_status && data.risk_status.can_trade === false && data.risk_status.reason) {
-                parts.push(data.risk_status.reason);
-            }
-            if((data.active_count||0) >= (data.max_active_positions||{{ max_active_positions }})) parts.push(`持仓 ${data.active_count}/${data.max_active_positions}`);
-            const hard = Number(data.daily_open_hard_limit != null ? data.daily_open_hard_limit : {{ daily_open_hard_limit }});
-            const opens = Number(data.opens_today);
-            if (hard > 0 && !Number.isNaN(opens) && opens >= hard) parts.push(`本交易日开仓 ${opens}/${hard} 已达上限`);
-            if(data.open_guard_blocks_now) parts.push(`未到北京时间 ${data.reset_hour||{{ reset_hour }}}:00`);
-            canTradeText = parts.length ? `不可开仓（${parts.join("；")}）` : "不可开仓";
+    }).catch(()=>{
+        if(!options.silent && accountSnapshotRetryCount < 3){
+            accountSnapshotRetryCount += 1;
+            setTimeout(() => refreshAccountSnapshot({ silent: true }), 1200 * accountSnapshotRetryCount);
         }
-        const opensToday = Number(data.opens_today);
-        const hardLim = Number(data.daily_open_hard_limit != null ? data.daily_open_hard_limit : {{ daily_open_hard_limit }});
-        const alertLim = Number(data.daily_open_alert_threshold != null ? data.daily_open_alert_threshold : {{ daily_open_alert_threshold }});
-        const openCntTxt = !Number.isNaN(opensToday)
-            ? `本交易日开仓 ${opensToday}${hardLim > 0 ? ` / 硬上限 ${hardLim}` : ""}（AI 提醒 ${alertLim}）`
-            : "";
-        const tip = document.getElementById("order-rule-tip");
-        const avail = (latestAvailableUsdt !== null && !Number.isNaN(latestAvailableUsdt)) ? `；交易账户可用约${latestAvailableUsdt.toFixed(2)}U` : "";
-        if(tip){
-            tip.innerText = `规则：最多 ${data.max_active_positions || {{ max_active_positions }}} 仓；BTC {{ btc_leverage }}x / 山寨 {{ alt_leverage }}x；${openCntTxt ? openCntTxt + "；" : ""}${canTradeText}${avail}；人工开仓盈亏比不得低于 {{ manual_min_planned_rr }}:1`;
-        }
-        const allowEl = document.getElementById("allow-open-before-reset");
-        const guardStatus = document.getElementById("open-guard-status");
-        const resetH = data.reset_hour != null ? data.reset_hour : {{ reset_hour }};
-        if(allowEl && typeof data.open_guard_enabled !== "undefined"){
-            allowEl.checked = !data.open_guard_enabled;
-        }
-        if(guardStatus && typeof data.open_guard_enabled !== "undefined"){
-            guardStatus.innerText = data.open_guard_enabled
-                ? `已限制：${resetH}:00 前不可开仓`
-                : `已放开：${resetH}:00 前允许开仓`;
-        }
-    }).catch(()=>{});
+    });
 }
 
 {% if ui_open_guard_enabled %}
@@ -1801,7 +1829,7 @@ if(window.ManualOrderRrPreview){
 
 refreshAccountSnapshot();
 const settingsRefreshFunds = document.getElementById("settings-refresh-funds");
-if (settingsRefreshFunds) settingsRefreshFunds.addEventListener("click", refreshAccountSnapshot);
+if (settingsRefreshFunds) settingsRefreshFunds.addEventListener("click", function(){ refreshAccountSnapshot({ force: true }); });
 if (window.AccountRiskBadge) AccountRiskBadge.startTicker();
 const _journalFormEl = document.getElementById("journal-form");
 if(_journalFormEl){
diff --git a/lib/instance/templates/instance_header_panel.html b/lib/instance/templates/instance_header_panel.html
index 09229bb..b42a598 100644
--- a/lib/instance/templates/instance_header_panel.html
+++ b/lib/instance/templates/instance_header_panel.html
@@ -32,6 +32,7 @@
                 <span class="risk-status-badge risk-status-{{ risk_status.status|default('normal') }}" id="account-risk-badge" role="status" title="{{ risk_status.reason|default('', true) }}" data-status-label="{{ risk_status.status_label|default('正常') }}"{% if risk_status.freeze_until_ms %} data-freeze-until-ms="{{ risk_status.freeze_until_ms }}"{% endif %}>{{ risk_status.status_label|default('正常') }}</span>
             </div>
             {% include 'instance_theme_toggle.html' %}
+            <button type="button" class="btn-secondary btn-sm instance-header-refresh-funds" id="settings-refresh-funds" title="从交易所拉取最新资金">刷新资金</button>
         </div>
     </div>
     <div class="instance-header-stats-wrap instance-desktop-only">
diff --git a/lib/instance/templates/instance_header_stats.html b/lib/instance/templates/instance_header_stats.html
index bda5660..4a5cea7 100644
--- a/lib/instance/templates/instance_header_stats.html
+++ b/lib/instance/templates/instance_header_stats.html
@@ -10,40 +10,40 @@
     </div>
     <div class="stat-strip-item stat-strip-item--primary">
         <div class="label">总交易</div>
-        <div class="value" id="stat-total">{{ total }}</div>
+        <div class="value" id="stat-total" data-funds-field="stat-total">{{ total }}</div>
     </div>
     <div class="stat-strip-item">
         <div class="label">胜率</div>
-        <div class="value" id="stat-rate">{{ rate }}%</div>
+        <div class="value" id="stat-rate" data-funds-field="stat-rate">{{ rate }}%</div>
     </div>
     <div class="stat-strip-item" title="平均盈利 ÷ 平均亏损（当前列表窗口）">
         <div class="label">盈亏比</div>
-        <div class="value" id="stat-pl-ratio">{% if profit_loss_ratio is not none %}{{ profit_loss_ratio }}{% else %}—{% endif %}</div>
+        <div class="value" id="stat-pl-ratio" data-funds-field="stat-pl-ratio">{% if profit_loss_ratio is not none %}{{ profit_loss_ratio }}{% else %}—{% endif %}</div>
     </div>
     <div class="stat-strip-item">
         <div class="label">总资金</div>
-        <div class="value" id="total-funds">{% if total_funds is not none %}{{ funds_fmt(total_funds) }}U{% else %}—{% endif %}</div>
+        <div class="value" id="total-funds" data-funds-field="total-funds">{% if total_funds is not none %}{{ funds_fmt(total_funds) }}U{% else %}—{% endif %}</div>
     </div>
     <div class="stat-strip-item">
         <div class="label">资金账户</div>
-        <div class="value" id="total-capital">{% if funding_usdt is not none %}{{ funds_fmt(funding_usdt) }}U{% else %}—{% endif %}</div>
+        <div class="value" id="total-capital" data-funds-field="total-capital">{% if funding_usdt is not none %}{{ funds_fmt(funding_usdt) }}U{% else %}—{% endif %}</div>
     </div>
     <div class="stat-strip-item">
         <div class="label">交易账户</div>
-        <div class="value" id="current-capital">{{ funds_fmt(current_capital) }}U</div>
+        <div class="value" id="current-capital" data-funds-field="current-capital">{{ funds_fmt(current_capital) }}U</div>
     </div>
     {% if options_enabled %}
     <div class="stat-strip-item">
         <div class="label">期权资金账户</div>
-        <div class="value" id="options-funding-usdc">{{ options_funding_label(options_funding_usdc, options_funding_usdt) }}</div>
+        <div class="value" id="options-funding-usdc" data-funds-field="options-funding-usdc">{{ options_funding_label(options_funding_usdc, options_funding_usdt) }}</div>
     </div>
     <div class="stat-strip-item">
         <div class="label">期权交易账户</div>
-        <div class="value" id="options-trading-usdc">{% if options_trading_usdc is not none %}{{ funds_fmt(options_trading_usdc) }} USDC{% else %}—{% endif %}</div>
+        <div class="value" id="options-trading-usdc" data-funds-field="options-trading-usdc">{% if options_trading_usdc is not none %}{{ funds_fmt(options_trading_usdc) }} USDC{% else %}—{% endif %}</div>
     </div>
     {% endif %}
     <div class="stat-strip-item stat-strip-item--pnl">
         <div class="label">实时盈亏</div>
-        <div class="value" id="realtime-pnl">—</div>
+        <div class="value" id="realtime-pnl" data-funds-field="realtime-pnl">—</div>
     </div>
 </div>
diff --git a/lib/instance/templates/settings_panel.html b/lib/instance/templates/settings_panel.html
index 57a01f6..9a43a39 100644
--- a/lib/instance/templates/settings_panel.html
+++ b/lib/instance/templates/settings_panel.html
@@ -1,18 +1,5 @@
-{# 系统设置：左风控说明 · 右资金划转 + 数据导出 #}
+{# 系统设置：左风控说明 · 右资金划转 + 数据导出（顶栏资金与统计见 instance_header_panel） #}
 <div class="settings-page">
-    <div class="card settings-account-summary">
-        <div class="settings-account-summary-head">
-            <div class="instance-toolbar-status">
-                <div class="exchange-tag">{{ exchange_display }}</div>
-                <span class="risk-status-badge risk-status-{{ risk_status.status|default('normal') }}" role="status">{{ risk_status.status_label|default('正常') }}</span>
-            </div>
-            <div class="settings-account-summary-actions">
-                {% include 'instance_theme_toggle.html' %}
-                <button type="button" class="btn-secondary btn-sm" id="settings-refresh-funds">刷新资金</button>
-            </div>
-        </div>
-        {% include 'instance_header_stats.html' %}
-    </div>
     <div class="settings-cards-grid">
         <div class="card settings-card settings-card--risk">
             <h2>风控说明</h2>