diff --git a/crypto_monitor_binance/app.py b/crypto_monitor_binance/app.py
index baa4a76..e77a41b 100644
--- a/crypto_monitor_binance/app.py
+++ b/crypto_monitor_binance/app.py
@@ -2599,23 +2599,65 @@ def exchange_private_api_configured():
     return bool(BINANCE_API_KEY and BINANCE_API_SECRET)
 
 
+def _float_balance_field(val):
+    if val is None or val == "":
+        return None
+    try:
+        return float(val)
+    except (TypeError, ValueError):
+        return None
+
+
 def _extract_usdt_total(balance):
     usdt_info = balance.get("USDT", {}) if isinstance(balance, dict) else {}
     total_map = balance.get("total", {}) if isinstance(balance, dict) else {}
     free_map = balance.get("free", {}) if isinstance(balance, dict) else {}
+    used_map = balance.get("used", {}) if isinstance(balance, dict) else {}
     total = usdt_info.get("total")
     if total is None:
         total = usdt_info.get("equity")
     if total is None:
         total = total_map.get("USDT")
-    if total is None:
-        total = usdt_info.get("free")
-    if total is None:
-        total = free_map.get("USDT")
-    try:
-        return float(total) if total is not None else None
-    except Exception:
+    if total is not None:
+        fv = _float_balance_field(total)
+        if fv is not None:
+            return fv
+    free = usdt_info.get("free")
+    if free is None:
+        free = free_map.get("USDT")
+    used = usdt_info.get("used")
+    if used is None:
+        used = used_map.get("USDT")
+    if used is None:
+        used = usdt_info.get("locked")
+    free_f = _float_balance_field(free)
+    used_f = _float_balance_field(used) or 0.0
+    if free_f is not None:
+        return free_f + used_f
+    return None
+
+
+def _parse_binance_funding_asset_rows(rows):
+    """解析 /sapi/v1/asset/get-funding-asset：USDT 总额 = free + freeze + locked + withdrawing。"""
+    if isinstance(rows, dict):
+        rows = [rows]
+    if not isinstance(rows, list):
         return None
+    for row in rows:
+        if not isinstance(row, dict):
+            continue
+        if str(row.get("asset") or "").upper() != "USDT":
+            continue
+        parts = [
+            _float_balance_field(row.get("free")),
+            _float_balance_field(row.get("freeze")),
+            _float_balance_field(row.get("locked")),
+            _float_balance_field(row.get("withdrawing")),
+        ]
+        nums = [p for p in parts if p is not None]
+        if nums:
+            return sum(nums)
+    return None
 
 
 def _extract_usdt_free(balance):
@@ -2690,7 +2732,7 @@ def _fetch_binance_swap_usdt_free():
 
 
 def _fetch_binance_funding_usdt():
-    """Binance 资金账户（Funding Wallet）USDT 总额。"""
+    """Binance 资金账户（Funding Wallet）USDT 总额（free+冻结+锁定，与 APP 资金账户一致）。"""
     try:
         ensure_markets_loaded()
         bal = exchange.fetch_balance(params={"type": "funding"})
@@ -2699,6 +2741,22 @@ def _fetch_binance_funding_usdt():
             return float(val)
     except Exception:
         pass
+    try:
+        ensure_markets_loaded()
+        raw = exchange.sapiPostAssetGetFundingAsset({"asset": "USDT"})
+        val = _parse_binance_funding_asset_rows(raw)
+        if val is not None:
+            return float(val)
+    except Exception:
+        pass
+    try:
+        ensure_markets_loaded()
+        raw = exchange.sapiPostAssetGetFundingAsset({})
+        val = _parse_binance_funding_asset_rows(raw)
+        if val is not None:
+            return float(val)
+    except Exception:
+        pass
     return None