diff --git a/crypto_monitor_binance/app.py b/crypto_monitor_binance/app.py
index 7b74d8d..578ff08 100644
--- a/crypto_monitor_binance/app.py
+++ b/crypto_monitor_binance/app.py
@@ -9870,7 +9870,7 @@ def manual_transfer():
         amount = float(request.form.get("amount", "0"))
     except Exception:
         flash("划转金额格式错误")
-        return redirect("/settings?tab=transfer")
+        return redirect("/settings?settings_tab=transfer")
     from_account = (request.form.get("from_account") or AUTO_TRANSFER_FROM).strip()
     to_account = (request.form.get("to_account") or AUTO_TRANSFER_TO).strip()
     ok, msg, _ = execute_transfer_usdt(amount, from_account, to_account)
@@ -9885,7 +9885,7 @@ def manual_transfer():
         flash(f"手动划转成功:{amount}U {from_account}->{to_account}")
     else:
         flash(f"手动划转失败:{msg}")
-    return redirect("/settings?tab=transfer")
+    return redirect("/settings?settings_tab=transfer")
 
 
 def _journal_ai_chart_builder(row):
diff --git a/crypto_monitor_gate/app.py b/crypto_monitor_gate/app.py
index dd7fee7..cf074c2 100644
--- a/crypto_monitor_gate/app.py
+++ b/crypto_monitor_gate/app.py
@@ -9727,7 +9727,7 @@ def manual_transfer():
         amount = float(request.form.get("amount", "0"))
     except Exception:
         flash("划转金额格式错误")
-        return redirect("/settings?tab=transfer")
+        return redirect("/settings?settings_tab=transfer")
     from_account = (request.form.get("from_account") or AUTO_TRANSFER_FROM).strip()
     to_account = (request.form.get("to_account") or AUTO_TRANSFER_TO).strip()
     ok, msg, _ = execute_transfer_usdt(amount, from_account, to_account)
@@ -9742,7 +9742,7 @@ def manual_transfer():
         flash(f"手动划转成功:{amount}U {from_account}->{to_account}")
     else:
         flash(f"手动划转失败:{msg}")
-    return redirect("/settings?tab=transfer")
+    return redirect("/settings?settings_tab=transfer")
 
 
 def _journal_ai_chart_builder(row):
diff --git a/crypto_monitor_okx/app.py b/crypto_monitor_okx/app.py
index b19a775..ee7daa3 100644
--- a/crypto_monitor_okx/app.py
+++ b/crypto_monitor_okx/app.py
@@ -9455,7 +9455,7 @@ def manual_transfer():
         amount = float(request.form.get("amount", "0"))
     except Exception:
         flash("划转金额格式错误")
-        return redirect("/settings?tab=transfer")
+        return redirect("/settings?settings_tab=transfer")
     from_account = (request.form.get("from_account") or AUTO_TRANSFER_FROM).strip()
     to_account = (request.form.get("to_account") or AUTO_TRANSFER_TO).strip()
     ok, msg, _ = execute_transfer_usdt(amount, from_account, to_account)
@@ -9477,7 +9477,7 @@ def manual_transfer():
         flash(f"手动划转成功:{amount}U {from_account}->{to_account}")
     else:
         flash(f"手动划转失败:{msg}")
-    return redirect("/settings?tab=transfer")
+    return redirect("/settings?settings_tab=transfer")
 
 
 def _journal_ai_chart_builder(row):
diff --git a/lib/instance/instance_embed_lib.py b/lib/instance/instance_embed_lib.py
index 33dfdac..c139065 100644
--- a/lib/instance/instance_embed_lib.py
+++ b/lib/instance/instance_embed_lib.py
@@ -84,6 +84,11 @@ def embed_shell_enabled() -> bool:
     return (os.getenv("HUB_EMBED_SHELL") or "1").strip().lower() in ("1", "true", "yes", "on")
 
 
+_SETTINGS_SUB_TABS = frozenset(
+    {"nav", "password", "transfer", "export", "options_swap", "options_transfer"}
+)
+
+
 def redirect_to_embed_shell_if_enabled(page: str):
     """直连 /trade 等整页路由时,重定向到 embed 壳(顶栏常驻,tab 软切换)."""
     if not embed_shell_enabled():
@@ -93,6 +98,12 @@ def redirect_to_embed_shell_if_enabled(page: str):
     if (request.path or "").rstrip("/") == "/embed":
         return None
     q = {k: v for k, v in request.args.items()}
+    # embed 的 tab=页面名;系统设置内页签用 settings_tab,避免 /settings?tab=transfer 被覆盖成 tab=settings
+    if (page or "").strip() == "settings":
+        sub = (q.get("settings_tab") or "").strip()
+        legacy = (q.get("tab") or "").strip()
+        if not sub and legacy in _SETTINGS_SUB_TABS:
+            q["settings_tab"] = legacy
     q["tab"] = page
     q["embed"] = "1"
     return redirect("/embed?" + urlencode(q))
@@ -115,6 +126,11 @@ def rewrite_embed_dest(path: str, hub_theme: str | None = None) -> str:
     tab = path_to_embed_tab(split.path)
     q = dict(parse_qsl(split.query, keep_blank_values=True))
     if tab:
+        if tab == "settings":
+            sub = (q.get("settings_tab") or "").strip()
+            legacy = (q.get("tab") or "").strip()
+            if not sub and legacy in _SETTINGS_SUB_TABS:
+                q["settings_tab"] = legacy
         q["tab"] = tab
         q["embed"] = "1"
         ht = (hub_theme or q.get("hub_theme") or "").strip().lower()
diff --git a/lib/instance/templates/settings_panel.html b/lib/instance/templates/settings_panel.html
index 01c4dbc..7d68000 100644
--- a/lib/instance/templates/settings_panel.html
+++ b/lib/instance/templates/settings_panel.html
@@ -6,16 +6,21 @@
     </div>
 
     {% if settings_tabs %}
-    {% set active_settings_tab = (request.args.get('tab') or '').strip() %}
-    {% set ns = namespace(active_idx=0) %}
+    {% set _sub = (request.args.get('settings_tab') or '').strip() %}
+    {% set _legacy_tab = (request.args.get('tab') or '').strip() %}
+    {% set ns = namespace(active_idx=0, active_key='') %}
     {% for tab in settings_tabs %}
-        {% if active_settings_tab and tab.key == active_settings_tab %}
+        {% if _sub and tab.key == _sub %}
             {% set ns.active_idx = loop.index0 %}
+            {% set ns.active_key = tab.key %}
+        {% elif (not _sub) and _legacy_tab and tab.key == _legacy_tab %}
+            {% set ns.active_idx = loop.index0 %}
+            {% set ns.active_key = tab.key %}
         {% endif %}
     {% endfor %}
-    <div class="env-config-body card settings-config-body">
+    <div class="env-config-body card settings-config-body" data-settings-active-tab="{{ ns.active_key }}">
         {% for tab in settings_tabs %}
-        <input type="radio" name="settings-section" id="settings-sec-{{ loop.index0 }}" class="env-tab-radio"{% if loop.index0 == ns.active_idx %} checked{% endif %}>
+        <input type="radio" name="settings-section" id="settings-sec-{{ loop.index0 }}" class="env-tab-radio" data-settings-tab="{{ tab.key }}"{% if loop.index0 == ns.active_idx %} checked{% endif %}>
         {% endfor %}
         <div class="env-config-tabs" role="tablist" aria-label="系统设置分类">
             {% for tab in settings_tabs %}
@@ -59,3 +64,14 @@
     {% include 'options_settings_panel.html' %}
     {% endif %}
 </div>
+<script>
+(function () {
+  try {
+    var q = new URLSearchParams(window.location.search || "");
+    var key = (q.get("settings_tab") || "").trim();
+    if (!key) return;
+    var radio = document.querySelector('input.env-tab-radio[data-settings-tab="' + key + '"]');
+    if (radio) radio.checked = true;
+  } catch (e) {}
+})();
+</script>