diff --git a/manual_trading_hub/hub_ai/chat.py b/manual_trading_hub/hub_ai/chat.py
index f937249..e920633 100644
--- a/manual_trading_hub/hub_ai/chat.py
+++ b/manual_trading_hub/hub_ai/chat.py
@@ -1,6 +1,7 @@
 """中控 AI：单会话聊天（直到用户点击新开）。"""
 from __future__ import annotations
 
+import threading
 from typing import Any, Optional
 
 from hub_ai.attachments import parse_chat_attachments
@@ -20,7 +21,7 @@ from hub_ai.config import (
 )
 from hub_trades_lib import current_trading_day
 from hub_ai.context import (
-    build_daily_context,
+    build_chat_context,
     format_chat_context_for_chat,
     format_chat_position_overview,
 )
@@ -213,7 +214,7 @@ def send_chat_message(
             user_prompt += "\n\n【附件正文】\n" + _clip_text(parsed["text_append"], 3000)
         system_prompt = CHAT_GENERAL_SYSTEM
     else:
-        ctx = build_daily_context(exchanges, trading_day=day)
+        ctx = build_chat_context(exchanges, trading_day=day)
         day = ctx["trading_day"]
         brief_ctx, excerpt = _trading_context_bundle(ctx, prior_count=prior_count)
         user_prompt = build_chat_user_prompt(
@@ -247,13 +248,21 @@ def send_chat_message(
         attachments=parsed.get("attachment_meta") or [],
     )
     session = append_chat_message(sid, "assistant", reply)
-    refresh_session_rolling_summary(
-        sid,
-        prior_summary=prior_rolling,
-        user_text=user_visible,
-        assistant_text=reply,
-        bot_mode=bot_mode,
-    )
+    summary_kwargs = {
+        "session_id": sid,
+        "prior_summary": prior_rolling,
+        "user_text": user_visible,
+        "assistant_text": reply,
+        "bot_mode": bot_mode,
+    }
+
+    def _refresh_summary_bg() -> None:
+        try:
+            refresh_session_rolling_summary(**summary_kwargs)
+        except Exception:
+            pass
+
+    threading.Thread(target=_refresh_summary_bg, daemon=True).start()
     session = get_active_session() or session
     return {
         "ok": True,
diff --git a/manual_trading_hub/hub_ai/config.py b/manual_trading_hub/hub_ai/config.py
index 080cc3f..338e740 100644
--- a/manual_trading_hub/hub_ai/config.py
+++ b/manual_trading_hub/hub_ai/config.py
@@ -33,6 +33,7 @@ FUND_HISTORY_DAYS = 180
 CHAT_MAX_ATTACHMENTS = 3
 CHAT_MAX_IMAGE_BYTES = 4 * 1024 * 1024
 CHAT_MAX_TEXT_FILE_BYTES = 200 * 1024
+CHAT_CONTEXT_CACHE_TTL_SEC = _int_env("CHAT_CONTEXT_CACHE_TTL_SEC", 45)
 
 
 def trading_day_reset_hour() -> int:
diff --git a/manual_trading_hub/hub_ai/context.py b/manual_trading_hub/hub_ai/context.py
index e176931..ce712d5 100644
--- a/manual_trading_hub/hub_ai/context.py
+++ b/manual_trading_hub/hub_ai/context.py
@@ -5,7 +5,10 @@ import hashlib
 import json
 import os
 import re
+import time
+from concurrent.futures import ThreadPoolExecutor
 from datetime import datetime, timedelta
+from threading import Lock
 from typing import Any, Optional
 
 import httpx
@@ -20,6 +23,17 @@ from hub_ai.config import (
 from hub_ai.fund_history import format_fund_history_text, get_fund_history, record_fund_snapshot
 from hub_trades_lib import current_trading_day, summarize_trades
 
+_CHAT_CONTEXT_CACHE: dict[str, dict[str, Any]] = {}
+_CHAT_CONTEXT_CACHE_LOCK = Lock()
+_HUB_TPSL_MERGE_FN: Any = None
+
+
+def _chat_context_cache_ttl_sec() -> float:
+    try:
+        return float(os.getenv("CHAT_CONTEXT_CACHE_TTL_SEC", "45") or "45")
+    except ValueError:
+        return 45.0
+
 
 def _hub_token() -> str:
     return (os.getenv("HUB_BRIDGE_TOKEN") or os.getenv("CONTROL_TOKEN") or "").strip()
@@ -348,12 +362,20 @@ def _enrich_positions_exchange_tpsl(
     price_snap: Optional[dict],
     hub_mon: Optional[dict],
 ) -> None:
+    global _HUB_TPSL_MERGE_FN
     if not positions:
         return
-    try:
-        from hub import _merge_flask_exchange_tpsl
+    if _HUB_TPSL_MERGE_FN is None:
+        try:
+            from hub import _merge_flask_exchange_tpsl
 
-        _merge_flask_exchange_tpsl(
+            _HUB_TPSL_MERGE_FN = _merge_flask_exchange_tpsl
+        except Exception:
+            _HUB_TPSL_MERGE_FN = False
+    if not _HUB_TPSL_MERGE_FN:
+        return
+    try:
+        _HUB_TPSL_MERGE_FN(
             {"agent": {"positions": positions}},
             price_snap if isinstance(price_snap, dict) else None,
             hub_mon if isinstance(hub_mon, dict) else None,
@@ -362,7 +384,13 @@ def _enrich_positions_exchange_tpsl(
         pass
 
 
-def _fetch_account_bundle(client: httpx.Client, ex: dict, trading_day: str) -> dict[str, Any]:
+def _fetch_account_bundle(
+    client: httpx.Client,
+    ex: dict,
+    trading_day: str,
+    *,
+    for_chat: bool = False,
+) -> dict[str, Any]:
     name = ex.get("name") or ex.get("key") or ex.get("id")
     key = ex.get("key") or ""
     enabled = bool(ex.get("enabled"))
@@ -460,7 +488,7 @@ def _fetch_account_bundle(client: httpx.Client, ex: dict, trading_day: str) -> d
         except Exception as exc:
             base["issues"].append(f"成交接口: {exc}")
 
-        if prev_day:
+        if prev_day and not for_chat:
             try:
                 r = client.get(
                     f"{flask_url}/api/hub/trades/today",
@@ -534,18 +562,35 @@ def _fetch_account_bundle(client: httpx.Client, ex: dict, trading_day: str) -> d
     return base
 
 
+def _fetch_account_bundle_isolated(ex: dict, trading_day: str, *, for_chat: bool) -> dict[str, Any]:
+    with httpx.Client() as client:
+        return _fetch_account_bundle(client, ex, trading_day, for_chat=for_chat)
+
+
 def build_daily_context(
     exchanges: list[dict],
     *,
     trading_day: Optional[str] = None,
+    for_chat: bool = False,
 ) -> dict[str, Any]:
     day = (trading_day or "").strip()[:10] or current_trading_day(
         reset_hour=trading_day_reset_hour()
     )
-    accounts: list[dict] = []
-    with httpx.Client() as client:
-        for ex in exchanges or []:
-            accounts.append(_fetch_account_bundle(client, ex, day))
+    ex_list = exchanges or []
+    if for_chat and len(ex_list) > 1:
+        workers = min(4, len(ex_list))
+        with ThreadPoolExecutor(max_workers=workers) as pool:
+            accounts = list(
+                pool.map(
+                    lambda ex: _fetch_account_bundle_isolated(ex, day, for_chat=True),
+                    ex_list,
+                )
+            )
+    else:
+        with httpx.Client() as client:
+            accounts = [
+                _fetch_account_bundle(client, ex, day, for_chat=for_chat) for ex in ex_list
+            ]
 
     total_closed_pnl = 0.0
     total_closed = total_win = total_loss = 0
@@ -589,17 +634,21 @@ def build_daily_context(
         "total_funding_usdt": round(total_funding, 4) if total_funding is not None else None,
         "total_trading_usdt": round(total_trading, 4) if total_trading is not None else None,
     }
-    snap_accounts = [
-        {
-            **ac,
-            "monitored": ac.get("status") != "未监控",
-        }
-        for ac in accounts
-    ]
-    record_fund_snapshot(day, snap_accounts, keep_days=FUND_HISTORY_DAYS)
-    fund_history = get_fund_history(anchor_day=day, keep_days=FUND_HISTORY_DAYS)
-    account_names = {str(ac.get("key") or ac.get("id")): ac.get("name") for ac in accounts}
-    fund_history_text = format_fund_history_text(fund_history, account_names=account_names)
+    if for_chat:
+        fund_history: list = []
+        fund_history_text = ""
+    else:
+        snap_accounts = [
+            {
+                **ac,
+                "monitored": ac.get("status") != "未监控",
+            }
+            for ac in accounts
+        ]
+        record_fund_snapshot(day, snap_accounts, keep_days=FUND_HISTORY_DAYS)
+        fund_history = get_fund_history(anchor_day=day, keep_days=FUND_HISTORY_DAYS)
+        account_names = {str(ac.get("key") or ac.get("id")): ac.get("name") for ac in accounts}
+        fund_history_text = format_fund_history_text(fund_history, account_names=account_names)
     payload = {
         "trading_day": day,
         "prev_trading_day": previous_trading_day(day),
@@ -608,7 +657,10 @@ def build_daily_context(
         "fund_history": fund_history,
         "fund_history_text": fund_history_text,
     }
-    text = format_context_text(payload)
+    if for_chat:
+        text = format_chat_context_for_chat(payload)
+    else:
+        text = format_context_text(payload)
     digest = hashlib.sha256(text.encode("utf-8")).hexdigest()[:16]
     return {
         "trading_day": day,
@@ -622,6 +674,30 @@ def build_daily_context(
     }
 
 
+def build_chat_context(
+    exchanges: list[dict],
+    *,
+    trading_day: Optional[str] = None,
+    force_refresh: bool = False,
+) -> dict[str, Any]:
+    """聊天专用上下文：并行拉取、跳过资金曲线/昨日成交，短 TTL 缓存。"""
+    day = (trading_day or "").strip()[:10] or current_trading_day(
+        reset_hour=trading_day_reset_hour()
+    )
+    ttl = _chat_context_cache_ttl_sec()
+    now = time.monotonic()
+    if not force_refresh and ttl > 0:
+        with _CHAT_CONTEXT_CACHE_LOCK:
+            hit = _CHAT_CONTEXT_CACHE.get(day)
+            if hit and (now - float(hit.get("ts") or 0)) < ttl:
+                return hit["ctx"]
+    ctx = build_daily_context(exchanges, trading_day=day, for_chat=True)
+    if ttl > 0:
+        with _CHAT_CONTEXT_CACHE_LOCK:
+            _CHAT_CONTEXT_CACHE[day] = {"ts": now, "ctx": ctx}
+    return ctx
+
+
 def format_context_text(payload: dict) -> str:
     lines = []
     totals = payload.get("totals") or {}
diff --git a/manual_trading_hub/hub_ai/routes.py b/manual_trading_hub/hub_ai/routes.py
index 7dfc18d..90849fb 100644
--- a/manual_trading_hub/hub_ai/routes.py
+++ b/manual_trading_hub/hub_ai/routes.py
@@ -1,6 +1,7 @@
 """中控 AI FastAPI 路由。"""
 from __future__ import annotations
 
+import asyncio
 from typing import Callable
 
 from fastapi import APIRouter, Body, File, Form, HTTPException, UploadFile
@@ -153,7 +154,8 @@ def create_hub_ai_router(*, load_all_exchanges: Callable[[], list]) -> APIRouter
                     "data": data,
                 }
             )
-        result = send_chat_message(
+        result = await asyncio.to_thread(
+            send_chat_message,
             exchanges,
             message,
             trading_day=_day(trading_day) if trading_day.strip() else None,
diff --git a/manual_trading_hub/static/app.js b/manual_trading_hub/static/app.js
index a101fd2..139030a 100644
--- a/manual_trading_hub/static/app.js
+++ b/manual_trading_hub/static/app.js
@@ -3623,14 +3623,32 @@
     addAiChatPendingFiles(imageFiles);
   }
 
-  function renderHubMarkdown(text) {
+  const AI_CHAT_MAX_ATTACHMENTS = 3;
+  let aiChatPendingFiles = [];
+  const aiChatMdCache = new Map();
+  const AI_CHAT_MD_CACHE_MAX = 120;
+
+  function renderHubMarkdown(text, cacheKey) {
     const raw = String(text || "");
-    if (typeof window !== "undefined" && window.AiReviewRender && window.AiReviewRender.renderMarkdown) {
-      return window.AiReviewRender.renderMarkdown(raw);
+    if (cacheKey && aiChatMdCache.has(cacheKey)) {
+      return aiChatMdCache.get(cacheKey);
     }
-    return esc(raw)
-      .replace(/\*\*(.+?)\*\*/g, "<strong>$1</strong>")
-      .replace(/\n/g, "<br>");
+    let html;
+    if (typeof window !== "undefined" && window.AiReviewRender && window.AiReviewRender.renderMarkdown) {
+      html = window.AiReviewRender.renderMarkdown(raw);
+    } else {
+      html = esc(raw)
+        .replace(/\*\*(.+?)\*\*/g, "<strong>$1</strong>")
+        .replace(/\n/g, "<br>");
+    }
+    if (cacheKey) {
+      if (aiChatMdCache.size >= AI_CHAT_MD_CACHE_MAX) {
+        const firstKey = aiChatMdCache.keys().next().value;
+        if (firstKey != null) aiChatMdCache.delete(firstKey);
+      }
+      aiChatMdCache.set(cacheKey, html);
+    }
+    return html;
   }
 
   function scrollAiChatToEnd() {
@@ -3716,7 +3734,9 @@
       !isUser &&
       !isThinking &&
       /^(AI 调用失败|AI 生成失败)/.test(String(content || "").trim());
-    const bubbleInner = isUser || isThinking ? esc(content || "") : renderHubMarkdown(content || "");
+    const mdKey =
+      !isUser && !isThinking && opts.cacheKey ? String(opts.cacheKey) : "";
+    const bubbleInner = isUser || isThinking ? esc(content || "") : renderHubMarkdown(content || "", mdKey);
     const mdCls = !isUser && !isThinking ? " ai-result-md" : "";
     const attList = Array.isArray(attachments) ? attachments : [];
     const attHtml = attList.length
@@ -3768,6 +3788,7 @@
       box.innerHTML = `<p class="ai-placeholder">${hint}</p>`;
       return;
     }
+    const sessionId = session && session.id ? String(session.id) : "local";
     let html = msgs
       .map((m, idx) =>
         renderAiChatRow(
@@ -3775,7 +3796,7 @@
           m.content || "",
           null,
           m.attachments,
-          { botMode, msgIdx: idx }
+          { botMode, msgIdx: idx, cacheKey: sessionId + ":" + idx }
         )
       )
       .join("");