diff --git a/crypto_monitor_binance/app.py b/crypto_monitor_binance/app.py
index 41fbbc3..f7f7202 100644
--- a/crypto_monitor_binance/app.py
+++ b/crypto_monitor_binance/app.py
@@ -7343,6 +7343,7 @@ def render_main_page(page="trade", embed_mode=None):
         **display_prefs_template_context(get_db),
         **settings_page_context(
             page,
+            instance_base_dir=BASE_DIR,
             exchange_key="binance",
             exchange_display=EXCHANGE_DISPLAY_NAME,
             risk_status=risk_status,
diff --git a/crypto_monitor_gate/app.py b/crypto_monitor_gate/app.py
index e246323..ac864a7 100644
--- a/crypto_monitor_gate/app.py
+++ b/crypto_monitor_gate/app.py
@@ -7146,6 +7146,7 @@ def render_main_page(page="trade", embed_mode=None):
         **display_prefs_template_context(get_db),
         **settings_page_context(
             page,
+            instance_base_dir=BASE_DIR,
             exchange_key="gate",
             exchange_display=EXCHANGE_DISPLAY_NAME,
             risk_status=risk_status,
diff --git a/crypto_monitor_okx/app.py b/crypto_monitor_okx/app.py
index 1bc0cfc..dded600 100644
--- a/crypto_monitor_okx/app.py
+++ b/crypto_monitor_okx/app.py
@@ -6747,6 +6747,7 @@ def render_main_page(page="trade", embed_mode=None):
         **display_prefs_template_context(get_db),
         **settings_page_context(
             page,
+            instance_base_dir=BASE_DIR,
             exchange_key="okx",
             exchange_display=EXCHANGE_DISPLAY_NAME,
             risk_status=risk_status,
diff --git a/lib/common/static/instance_settings_prefs.js b/lib/common/static/instance_settings_prefs.js
index 2e4c9cc..2bc300d 100644
--- a/lib/common/static/instance_settings_prefs.js
+++ b/lib/common/static/instance_settings_prefs.js
@@ -56,13 +56,29 @@
     return d[key] !== false;
   }
 
-  async function loadDisplayPrefsForm() {
-    const pane = document.querySelector('.embed-tab-pane.is-active-pane') || document;
-    const root = pane.querySelector ? pane.querySelector("#display-prefs-form") : document.getElementById("display-prefs-form");
-    if (!root) {
-      const fallback = document.getElementById("display-prefs-form");
-      if (!fallback) return;
-      return loadDisplayPrefsFormIn(fallback);
+  function displayPrefsRoot() {
+    const pane = document.querySelector(".embed-tab-pane.is-active-pane");
+    if (pane) {
+      const inPane = pane.querySelector("#display-prefs-form");
+      if (inPane) return inPane;
+    }
+    return document.getElementById("display-prefs-form");
+  }
+
+  function envConfigGrid() {
+    const pane = document.querySelector(".embed-tab-pane.is-active-pane");
+    if (pane) {
+      const inPane = pane.querySelector("#env-config-grid");
+      if (inPane) return inPane;
+    }
+    return document.getElementById("env-config-grid");
+  }
+
+  async function loadDisplayPrefsForm(force) {
+    const root = displayPrefsRoot();
+    if (!root) return;
+    if (!force && root.getAttribute("data-prefs-ssr") === "1" && root.querySelector("[data-pref-key]")) {
+      return;
     }
     return loadDisplayPrefsFormIn(root);
   }
@@ -96,6 +112,7 @@
         section.appendChild(grid);
         root.appendChild(section);
       });
+      root.setAttribute("data-prefs-ssr", "1");
     } catch (e) {
       root.innerHTML = '<span class="err">' + (e.message || "加载失败") + "</span>";
     }
@@ -103,8 +120,9 @@
 
   async function saveDisplayPrefs() {
     const status = document.getElementById("display-prefs-status");
+    const root = displayPrefsRoot();
     const display = {};
-    document.querySelectorAll("#display-prefs-form input[data-pref-key]").forEach((cb) => {
+    (root ? root.querySelectorAll("input[data-pref-key]") : []).forEach((cb) => {
       display[cb.dataset.prefKey] = !!cb.checked;
     });
     try {
@@ -165,12 +183,13 @@
     return card;
   }
 
-  async function loadEnvConfig() {
-    const pane = document.querySelector('.embed-tab-pane.is-active-pane') || document;
-    const grid = pane.querySelector ? pane.querySelector("#env-config-grid") : document.getElementById("env-config-grid");
-    const target = grid || document.getElementById("env-config-grid");
-    if (!target) return;
-    return loadEnvConfigIn(target);
+  async function loadEnvConfig(force) {
+    const grid = envConfigGrid();
+    if (!grid) return;
+    if (!force && grid.getAttribute("data-env-ssr") === "1" && grid.querySelector("[data-env-key]")) {
+      return;
+    }
+    return loadEnvConfigIn(grid);
   }
 
   async function loadEnvConfigIn(grid) {
@@ -192,14 +211,17 @@
         card.appendChild(inner);
         grid.appendChild(card);
       });
+      grid.setAttribute("data-env-ssr", "1");
     } catch (e) {
       grid.innerHTML = '<span class="err">' + (e.message || "加载失败") + "</span>";
     }
   }
 
   function collectEnvValues() {
+    const grid = envConfigGrid();
     const values = {};
-    document.querySelectorAll(".env-field-input[data-env-key]").forEach((el) => {
+    const scope = grid || document;
+    scope.querySelectorAll(".env-field-input[data-env-key]").forEach((el) => {
       values[el.dataset.envKey] = el.value;
     });
     return values;
@@ -276,15 +298,15 @@
     const eRestart = document.getElementById("env-config-save-restart");
     if (eRestart) eRestart.addEventListener("click", () => saveEnvConfig(true));
     const eReload = document.getElementById("env-config-reload");
-    if (eReload) eReload.addEventListener("click", loadEnvConfig);
+    if (eReload) eReload.addEventListener("click", () => loadEnvConfig(true));
     const pSave = document.getElementById("pwd-save-btn");
     if (pSave) pSave.addEventListener("click", savePassword);
   }
 
   function initPage() {
     bindEvents();
-    if (document.getElementById("display-prefs-form")) loadDisplayPrefsForm();
-    if (document.getElementById("env-config-grid")) loadEnvConfig();
+    loadDisplayPrefsForm(false);
+    loadEnvConfig(false);
     if (global.__INSTANCE_DISPLAY__) applyDisplayToNav(global.__INSTANCE_DISPLAY__);
   }
 
diff --git a/lib/instance/instance_display_prefs_lib.py b/lib/instance/instance_display_prefs_lib.py
index ca5b02e..e814641 100644
--- a/lib/instance/instance_display_prefs_lib.py
+++ b/lib/instance/instance_display_prefs_lib.py
@@ -84,7 +84,7 @@ def save_display_prefs(get_db: Callable, prefs: dict) -> dict[str, bool]:
 
 def display_prefs_template_context(get_db: Callable) -> dict[str, Any]:
     prefs = get_display_prefs(get_db)
-    return {"display": prefs}
+    return {"display": prefs, "display_meta": display_meta_for_ui()}
 
 
 def tab_allowed(tab: str, display: Optional[dict[str, bool]] = None) -> bool:
diff --git a/lib/instance/instance_settings_lib.py b/lib/instance/instance_settings_lib.py
index cacbd65..9024171 100644
--- a/lib/instance/instance_settings_lib.py
+++ b/lib/instance/instance_settings_lib.py
@@ -183,8 +183,15 @@ def build_instance_settings_view(
     }
 
 
-def settings_page_context(page: str, **kwargs: Any) -> dict[str, Any]:
+def settings_page_context(page: str, *, instance_base_dir: str | None = None, **kwargs: Any) -> dict[str, Any]:
     p = (page or "").strip()
     if p not in ("settings", "risk_policy", "env_config"):
         return {}
-    return {"instance_settings": build_instance_settings_view(**kwargs)}
+    ctx: dict[str, Any] = {"instance_settings": build_instance_settings_view(**kwargs)}
+    if p == "env_config" and instance_base_dir:
+        from lib.env.env_schema import build_env_payload
+
+        env_path = os.path.join(instance_base_dir, ".env")
+        example_path = os.path.join(instance_base_dir, ".env.example")
+        ctx["env_config_groups"] = build_env_payload(example_path, env_path).get("groups") or []
+    return ctx
diff --git a/lib/instance/templates/display_prefs_panel.html b/lib/instance/templates/display_prefs_panel.html
index 5fc8fb6..3177c7c 100644
--- a/lib/instance/templates/display_prefs_panel.html
+++ b/lib/instance/templates/display_prefs_panel.html
@@ -1,9 +1,25 @@
-{# 系统设置 · 导航显示开关 #}
+{# 系统设置 · 导航显示开关（SSR 预渲染，保存仍走 API） #}
 <div class="card settings-card settings-card--standalone" id="display-prefs-card">
     <h2>导航显示</h2>
     <p class="settings-env-hint">以下开关控制顶栏导航与系统设置内区块是否显示，保存后立即生效。关键位监控、实盘下单、系统设置为固定项。</p>
-    <div id="display-prefs-form" class="display-prefs-form">
+    <div id="display-prefs-form" class="display-prefs-form" data-prefs-ssr="1">
+        {% if display_meta %}
+        {% for group in display_meta %}
+        <div class="display-prefs-group">
+            <h3 class="settings-subcard-title">{{ group.group }}</h3>
+            <div class="display-prefs-checks">
+                {% for item in group.keys %}
+                <label class="chk-label">
+                    <input type="checkbox" data-pref-key="{{ item.key }}"{% if display.get(item.key, true) %} checked{% endif %}>
+                    {{ item.label }}
+                </label>
+                {% endfor %}
+            </div>
+        </div>
+        {% endfor %}
+        {% else %}
         <div class="display-prefs-loading muted">加载中…</div>
+        {% endif %}
     </div>
     <div class="settings-actions-row">
         <button type="button" class="btn-primary btn-sm" id="display-prefs-save">保存导航设置</button>
diff --git a/lib/instance/templates/embed_shell.html b/lib/instance/templates/embed_shell.html
index 7e05bd7..a646ac3 100644
--- a/lib/instance/templates/embed_shell.html
+++ b/lib/instance/templates/embed_shell.html
@@ -103,7 +103,7 @@ const ORDER_ENTRY_MODEL_CODE_TO_CATEGORY = {{ entry_model_code_to_category | toj
 <script>
 window.__INSTANCE_DISPLAY__ = {{ display | tojson }};
 </script>
-<script src="/static/instance_settings_prefs.js?v=2"></script>
+<script src="/static/instance_settings_prefs.js?v=3"></script>
 <script src="/static/instance_live.js?v=4"></script>
 <script src="/static/instance_embed.js?v=18"></script>
 </body>
diff --git a/lib/instance/templates/env_config_panel.html b/lib/instance/templates/env_config_panel.html
index adec2f9..0b7c017 100644
--- a/lib/instance/templates/env_config_panel.html
+++ b/lib/instance/templates/env_config_panel.html
@@ -1,4 +1,4 @@
-{# env配置：按功能分组，三列卡片布局 #}
+{# env配置：按功能分组，三列卡片布局（SSR 预渲染） #}
 <div class="env-config-page">
     <div class="env-config-head card">
         <h2>env 配置</h2>
@@ -10,7 +10,46 @@
             <span class="settings-status-line" id="env-config-status"></span>
         </div>
     </div>
-    <div id="env-config-grid" class="env-config-grid">
+    <div id="env-config-grid" class="env-config-grid"{% if env_config_groups %} data-env-ssr="1"{% endif %}>
+        {% if env_config_groups %}
+        {% for group in env_config_groups %}
+        <div class="card env-group-card">
+            <h3 class="env-group-title">{{ group.title or '其他' }}</h3>
+            <div class="env-group-fields">
+                {% for field in group.fields %}
+                <div class="env-field-card">
+                    <label class="env-field-label">{{ field.key }}</label>
+                    {% if field.note %}
+                    <div class="env-field-note muted">{{ field.note }}</div>
+                    {% endif %}
+                    {% if field.type == 'bool' %}
+                    <select class="env-field-input" data-env-key="{{ field.key }}">
+                        {% set cur = (field.current or field.default or 'false')|lower %}
+                        <option value="true"{% if cur in ('true', '1', 'yes', 'on') %} selected{% endif %}>true</option>
+                        <option value="false"{% if cur not in ('true', '1', 'yes', 'on') %} selected{% endif %}>false</option>
+                    </select>
+                    {% else %}
+                    <input
+                        class="env-field-input"
+                        type="{% if field.sensitive %}password{% else %}text{% endif %}"
+                        data-env-key="{{ field.key }}"
+                        {% if field.sensitive and field.has_value %}
+                        placeholder="{{ field.masked or '留空不修改' }}"
+                        {% else %}
+                        value="{{ field.current or field.default or '' }}"
+                        {% endif %}
+                    >
+                    {% endif %}
+                    <span class="env-field-badge {% if field.restart_required %}env-badge-restart{% else %}env-badge-hot{% endif %}">
+                        {% if field.restart_required %}需重启{% else %}保存即生效{% endif %}
+                    </span>
+                </div>
+                {% endfor %}
+            </div>
+        </div>
+        {% endfor %}
+        {% else %}
         <div class="env-config-loading muted">加载配置中…</div>
+        {% endif %}
     </div>
 </div>
diff --git a/lib/instance/templates/index.html b/lib/instance/templates/index.html
index f08d2c3..7567c1a 100644
--- a/lib/instance/templates/index.html
+++ b/lib/instance/templates/index.html
@@ -2038,6 +2038,6 @@ setInterval(refreshPriceSnapshotConditional, {{ price_refresh_seconds * 1000 }})
 <script>
 window.__INSTANCE_DISPLAY__ = {{ display | tojson }};
 </script>
-<script src="/static/instance_settings_prefs.js?v=2"></script>
+<script src="/static/instance_settings_prefs.js?v=3"></script>
 </body>
 </html>
\ No newline at end of file