diff --git a/lib/env/env_schema.py b/lib/env/env_schema.py
index bc817d5..8ce3bfc 100644
--- a/lib/env/env_schema.py
+++ b/lib/env/env_schema.py
@@ -70,7 +70,10 @@ HOT_RELOAD_EXACT = frozenset({
     "MONITOR_POLL_SECONDS",
     "AUTO_TRANSFER_ENABLED",
     "AUTO_TRANSFER_AMOUNT",
+    "AUTO_TRANSFER_FROM",
+    "AUTO_TRANSFER_TO",
     "AUTO_TRANSFER_BJ_HOUR",
+    "TRANSFER_CCY",
     "FORCE_CLOSE_ENABLED",
     "FORCE_CLOSE_BJ_HOUR",
     "BTC_LEVERAGE",
@@ -126,6 +129,17 @@ SELECT_OPTIONS: dict[str, tuple[tuple[str, str], ...]] = {
         ("long_only", "仅做多"),
         ("short_only", "仅做空"),
     ),
+    "AUTO_TRANSFER_FROM": (
+        ("funding", "funding 资金账户"),
+        ("swap", "swap 交易账户"),
+        ("spot", "spot 现货"),
+    ),
+    "AUTO_TRANSFER_TO": (
+        ("swap", "swap 交易账户"),
+        ("funding", "funding 资金账户"),
+        ("spot", "spot 现货"),
+    ),
+    "TRANSFER_CCY": (("USDT", "USDT"),),
     "HEDGE_PLAN_OO_BIAS_SPLIT_BY": (
         ("budget", "预算金额"),
         ("sheets", "张数"),
@@ -136,6 +150,7 @@ _SELECT_ALIASES: dict[str, dict[str, str]] = {
     "OKX_TD_MODE": {"cross_margin": "cross", "isolated_margin": "isolated"},
     "BINANCE_MARGIN_MODE": {"cross_margin": "cross", "isolated_margin": "isolated"},
     "GATE_TD_MODE": {"cross_margin": "cross", "isolated_margin": "isolated"},
+    "TRANSFER_CCY": {"usdt": "USDT"},
 }
 
 
@@ -159,10 +174,13 @@ def normalize_select_value(key: str, value: Optional[str]) -> str:
     if low in aliases:
         return aliases[low]
     allowed = {v for v, _ in (SELECT_OPTIONS.get(key) or ())}
+    allowed_by_lower = {v.lower(): v for v in allowed}
     if low in allowed:
         return low
     if raw in allowed:
         return raw
+    if low in allowed_by_lower:
+        return allowed_by_lower[low]
     return raw
 
 
diff --git a/lib/env/env_ui_manifest.py b/lib/env/env_ui_manifest.py
index dc70170..4d001de 100644
--- a/lib/env/env_ui_manifest.py
+++ b/lib/env/env_ui_manifest.py
@@ -103,10 +103,10 @@ _SHARED_SECTIONS: list[dict[str, Any]] = [
         "fields": [
             ("AUTO_TRANSFER_ENABLED", "启用自动划转", ""),
             ("AUTO_TRANSFER_AMOUNT", "目标余额(U)", "交易账户目标 USDT"),
-            ("AUTO_TRANSFER_FROM", "划出账户", "funding 或 swap"),
-            ("AUTO_TRANSFER_TO", "划入账户", "swap 或 funding"),
+            ("AUTO_TRANSFER_FROM", "划出账户", "余额不足时从此账户划入交易账户"),
+            ("AUTO_TRANSFER_TO", "划入账户", "目标余额所在账户,一般为 swap"),
             ("AUTO_TRANSFER_BJ_HOUR", "执行整点(北京时间)", ""),
-            ("TRANSFER_CCY", "划转币种", "默认 USDT"),
+            ("TRANSFER_CCY", "划转币种", ""),
         ],
     },
     {
@@ -200,6 +200,9 @@ _RUNTIME_ENV_DEFAULTS: dict[str, str] = {
     "RISK_MANUAL_CLOSE_DAILY_LIMIT": "2",
     "RISK_DAILY_LOSS_LIMIT": "2",
     "RISK_MOOD_ISSUES_DAILY_FREEZE": "true",
+    "AUTO_TRANSFER_FROM": "funding",
+    "AUTO_TRANSFER_TO": "swap",
+    "TRANSFER_CCY": "USDT",
     "HEDGE_PLAN_SHOW_PERP_OPTIONS": "true",
     "HEDGE_PLAN_SHOW_OPTIONS_OPTIONS": "true",
     "OKX_OPTIONS_CHAIN_ASK_LIQ_FILTER_ENABLED": "true",
@@ -214,7 +217,9 @@ _RUNTIME_ENV_DEFAULTS: dict[str, str] = {
 
 def _effective_env_value(key: str, file_values: dict[str, str], schema_default: str = "") -> str:
     if key in file_values:
-        return file_values[key]
+        file_val = str(file_values.get(key) or "").strip()
+        if file_val:
+            return file_val
     runtime = os.getenv(key)
     if runtime is not None and str(runtime).strip() != "":
         return str(runtime).strip()