diff --git a/manual_trading_hub/static/app.css b/manual_trading_hub/static/app.css
index 0ca343b..a4f6024 100644
--- a/manual_trading_hub/static/app.css
+++ b/manual_trading_hub/static/app.css
@@ -2642,8 +2642,168 @@ button.btn-sm {
 .settings-display-panel,
 .settings-macro-panel,
 .settings-supervisor-panel {
+  margin-bottom: 0;
+}
+
+.settings-section {
   margin-bottom: 16px;
+}
+
+.settings-section-head {
+  display: flex;
+  align-items: center;
+  gap: 10px;
   padding: 14px 16px;
+  border-bottom: 1px solid var(--border-soft);
+}
+
+.settings-section.is-collapsed .settings-section-head {
+  border-bottom-color: transparent;
+}
+
+.settings-section-head .settings-display-title {
+  flex: 1;
+  margin: 0;
+  min-width: 0;
+}
+
+.settings-section-head-actions {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  flex-shrink: 0;
+}
+
+.settings-section-fold {
+  flex-shrink: 0;
+  width: 28px;
+  height: 28px;
+  padding: 0;
+  border: 1px solid var(--border-soft);
+  border-radius: 6px;
+  background: color-mix(in srgb, var(--panel) 90%, var(--accent) 10%);
+  color: var(--accent);
+  cursor: pointer;
+  font-size: 0;
+  line-height: 1;
+  transition: transform 0.15s ease, border-color 0.15s ease;
+  position: relative;
+}
+
+.settings-section-fold::before {
+  content: "▾";
+  font-size: 0.85rem;
+  line-height: 28px;
+  display: block;
+  text-align: center;
+}
+
+.settings-section-fold:hover {
+  border-color: color-mix(in srgb, var(--accent) 50%, var(--border-soft));
+}
+
+.settings-section.is-collapsed .settings-section-fold::before {
+  content: "▸";
+}
+
+.settings-section-save {
+  flex-shrink: 0;
+  font-size: 0.82rem;
+  padding: 6px 14px;
+}
+
+.settings-section-body {
+  padding: 14px 16px;
+}
+
+.settings-section.is-collapsed .settings-section-body {
+  display: none;
+}
+
+.settings-page-toolbar {
+  margin-top: 4px;
+}
+
+.settings-card-topbar {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  margin-bottom: 12px;
+  padding-bottom: 10px;
+  border-bottom: 1px dashed var(--border-soft);
+}
+
+.settings-card-fold {
+  flex-shrink: 0;
+  width: 26px;
+  height: 26px;
+  padding: 0;
+  border: 1px solid var(--border-soft);
+  border-radius: 6px;
+  background: transparent;
+  color: var(--muted);
+  cursor: pointer;
+  font-size: 0;
+  line-height: 1;
+  transition: color 0.15s ease, border-color 0.15s ease;
+  position: relative;
+}
+
+.settings-card-fold::before {
+  content: "▾";
+  font-size: 0.8rem;
+  line-height: 26px;
+  display: block;
+  text-align: center;
+}
+
+.settings-card-fold:hover {
+  color: var(--accent);
+  border-color: color-mix(in srgb, var(--accent) 40%, var(--border-soft));
+}
+
+.settings-card.is-collapsed .settings-card-fold::before {
+  content: "▸";
+}
+
+.settings-card-title {
+  flex: 1;
+  min-width: 0;
+  font-size: 0.92rem;
+  font-weight: 600;
+  color: var(--text);
+  overflow: hidden;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
+.settings-card-save {
+  flex-shrink: 0;
+  font-size: 0.78rem;
+  padding: 5px 12px;
+}
+
+.settings-card-body {
+  display: block;
+}
+
+.settings-card.is-collapsed .settings-card-body {
+  display: none;
+}
+
+@media (max-width: 720px) {
+  .settings-section-head {
+    flex-wrap: wrap;
+  }
+
+  .settings-section-head-actions {
+    width: 100%;
+    justify-content: flex-end;
+  }
+
+  .settings-card-topbar {
+    flex-wrap: wrap;
+  }
 }
 
 .settings-display-title {
diff --git a/manual_trading_hub/static/app.js b/manual_trading_hub/static/app.js
index f86842f..83a49fd 100644
--- a/manual_trading_hub/static/app.js
+++ b/manual_trading_hub/static/app.js
@@ -3648,6 +3648,105 @@
         renderSettingsList(data);
       };
     });
+    bindSettingsCardFolds(list);
+    list.querySelectorAll(".settings-card-save").forEach((btn) => {
+      btn.addEventListener("click", () => {
+        void saveSettingsSection("exchange", { label: btn.dataset.label || "账户" });
+      });
+    });
+  }
+
+  const SETTINGS_FOLD_KEY = "hub_settings_section_fold";
+
+  function settingsFoldStorageKey(section, cardKey) {
+    return cardKey ? `${SETTINGS_FOLD_KEY}_${section}_${cardKey}` : `${SETTINGS_FOLD_KEY}_${section}`;
+  }
+
+  function getSettingsFoldState(section, cardKey) {
+    try {
+      return localStorage.getItem(settingsFoldStorageKey(section, cardKey)) === "1";
+    } catch (_) {
+      return false;
+    }
+  }
+
+  function setSettingsFoldState(section, collapsed, cardKey) {
+    try {
+      localStorage.setItem(settingsFoldStorageKey(section, cardKey), collapsed ? "1" : "0");
+    } catch (_) {}
+  }
+
+  function applySettingsSectionFold(el) {
+    const section = el.dataset.settingsSection;
+    if (!section) return;
+    const collapsed = getSettingsFoldState(section);
+    el.classList.toggle("is-collapsed", collapsed);
+    const btn = el.querySelector(":scope > .settings-section-head > .settings-section-fold");
+    if (btn) btn.setAttribute("aria-expanded", collapsed ? "false" : "true");
+  }
+
+  function applySettingsCardFold(card) {
+    const key = card.dataset.key || card.dataset.idx || "";
+    const collapsed = getSettingsFoldState("exchange", String(key));
+    card.classList.toggle("is-collapsed", collapsed);
+    const btn = card.querySelector(".settings-card-fold");
+    if (btn) btn.setAttribute("aria-expanded", collapsed ? "false" : "true");
+  }
+
+  function bindSettingsCardFolds(root) {
+    (root || document).querySelectorAll(".settings-card").forEach((card) => {
+      if (card.dataset.foldBound === "1") return;
+      card.dataset.foldBound = "1";
+      applySettingsCardFold(card);
+      const foldBtn = card.querySelector(".settings-card-fold");
+      if (!foldBtn) return;
+      foldBtn.addEventListener("click", () => {
+        const key = card.dataset.key || card.dataset.idx || "";
+        const collapsed = !card.classList.contains("is-collapsed");
+        card.classList.toggle("is-collapsed", collapsed);
+        foldBtn.setAttribute("aria-expanded", collapsed ? "false" : "true");
+        setSettingsFoldState("exchange", collapsed, String(key));
+      });
+    });
+  }
+
+  function initSettingsSectionFolds() {
+    document.querySelectorAll(".settings-section[data-settings-section]").forEach((el) => {
+      applySettingsSectionFold(el);
+      if (el.dataset.foldBound === "1") return;
+      el.dataset.foldBound = "1";
+      const foldBtn = el.querySelector(":scope > .settings-section-head > .settings-section-fold");
+      if (foldBtn) {
+        foldBtn.addEventListener("click", () => {
+          const section = el.dataset.settingsSection;
+          const collapsed = !el.classList.contains("is-collapsed");
+          el.classList.toggle("is-collapsed", collapsed);
+          foldBtn.setAttribute("aria-expanded", collapsed ? "false" : "true");
+          setSettingsFoldState(section, collapsed);
+        });
+      }
+    });
+    document.querySelectorAll(".settings-section-save").forEach((btn) => {
+      if (btn.dataset.saveBound === "1") return;
+      btn.dataset.saveBound = "1";
+      btn.addEventListener("click", () => {
+        const section = btn.dataset.settingsSection || "";
+        if (section === "macro") {
+          const form = document.getElementById("macro-event-form");
+          if (form) form.requestSubmit();
+          return;
+        }
+        const label =
+          section === "display"
+            ? "显示与导航"
+            : section === "supervisor"
+              ? "交易监管"
+              : section === "exchanges"
+                ? "交易所账户"
+                : "设置";
+        void saveSettingsSection(section, { label });
+      });
+    });
   }
 
   function macroDatetimeLocalToApi(v) {
@@ -3798,6 +3897,7 @@
       syncDisplayPrefsUI(data);
       syncSupervisorSettingsUI(data);
       renderSettingsList(data);
+      initSettingsSectionFolds();
     });
   }
 
@@ -3806,7 +3906,15 @@
     const envOff = ex.env_disabled
       ? '<span class="badge">环境变量强制关</span>'
       : "";
-    return `<div class="settings-card" data-idx="${idx}" data-key="${esc(ex.key || ex.id || "")}">
+    const cardKey = esc(ex.key || ex.id || String(idx));
+    const cardTitle = esc(ex.name || ex.key || `账户 ${idx + 1}`);
+    return `<div class="settings-card" data-idx="${idx}" data-key="${cardKey}">
+      <div class="settings-card-topbar">
+        <button type="button" class="settings-card-fold" aria-expanded="true" aria-label="折叠"></button>
+        <span class="settings-card-title">${cardTitle}</span>
+        <button type="button" class="primary settings-card-save" data-label="${cardTitle}">保存</button>
+      </div>
+      <div class="settings-card-body">
       <div class="settings-card-head">
         <label class="chk-label"><input type="checkbox" class="ex-enabled" ${ex.enabled ? "checked" : ""} ${ex.env_disabled ? "disabled" : ""}/> 启用</label>
         ${envOff}
@@ -3825,6 +3933,7 @@
         <div class="field"><label>id</label><input class="ex-id" value="${esc(ex.id || "")}" /></div>
         <button type="button" class="danger btn-del-ex" data-idx="${idx}">删除账户</button>
       </div>
+      </div>
     </div>`;
   }
 
@@ -3888,7 +3997,8 @@
     };
   }
 
-  async function saveSettings() {
+  async function saveSettingsSection(section, opts) {
+    const options = opts || {};
     const body = collectSettingsFromUI();
     try {
       const r = await apiFetch("/api/settings", {
@@ -3897,28 +4007,33 @@
         body: JSON.stringify(body),
       });
       const j = await r.json();
-      if (j.ok) {
-        showToast("设置已保存（已写入 hub_settings.json）");
-        if (j.settings) {
-          settingsCache = j.settings;
-          syncDisplayPrefsUI(j.settings);
-          syncSupervisorSettingsUI(j.settings);
-          renderSettingsList(j.settings);
-          loadSettingsMetaLine();
-        } else {
-          await loadSettingsUI();
-        }
-        if (lastMonitorRows.length) renderMonitorGrid(lastMonitorRows);
-        if (!pageNavAllowed(currentPage())) {
-          history.replaceState({}, "", "/monitor");
-          setActiveNav();
-        }
-      } else showToast("保存失败", true);
+      if (!j.ok) {
+        showToast("保存失败", true);
+        return;
+      }
+      const label = options.label || "设置";
+      showToast(`${label}已保存`);
+      if (j.settings) {
+        settingsCache = j.settings;
+        syncDisplayPrefsUI(j.settings);
+        syncSupervisorSettingsUI(j.settings);
+        renderSettingsList(j.settings);
+        loadSettingsMetaLine();
+      }
+      if (lastMonitorRows.length) renderMonitorGrid(lastMonitorRows);
+      if (!pageNavAllowed(currentPage())) {
+        history.replaceState({}, "", "/monitor");
+        setActiveNav();
+      }
     } catch (e) {
       showToast(String(e), true);
     }
   }
 
+  async function saveSettings() {
+    await saveSettingsSection("all", { label: "全部设置" });
+  }
+
   document.getElementById("btn-logout").onclick = async () => {
     try {
       await fetch("/api/auth/logout", { method: "POST" });
diff --git a/manual_trading_hub/static/index.html b/manual_trading_hub/static/index.html
index f783803..9504da0 100644
--- a/manual_trading_hub/static/index.html
+++ b/manual_trading_hub/static/index.html
@@ -843,8 +843,13 @@
         </div>
       </details>
       <p id="settings-meta-line" class="settings-meta-line"></p>
-      <div class="settings-display-panel card">
-        <h3 class="settings-display-title">显示与导航</h3>
+      <section class="settings-section card settings-display-panel" data-settings-section="display">
+        <div class="settings-section-head">
+          <button type="button" class="settings-section-fold" aria-expanded="true" aria-label="折叠"></button>
+          <h3 class="settings-display-title">显示与导航</h3>
+          <button type="button" class="primary settings-section-save" data-settings-section="display">保存</button>
+        </div>
+        <div class="settings-section-body">
         <label class="chk-label settings-display-chk">
           <input type="checkbox" id="pref-show-account-pnl" checked />
           监控区显示资金账户、交易账户与浮动盈亏
@@ -874,9 +879,15 @@
           顶栏显示「计算器」
         </label>
         <p class="settings-display-hint">保存至 hub_settings.json，换浏览器同样生效。关闭导航后对应页面将不可从顶栏进入，直接访问 URL 会跳回监控区。</p>
-      </div>
-      <div class="settings-macro-panel card">
-        <h3 class="settings-display-title">宏观关键数据（风控前置）</h3>
+        </div>
+      </section>
+      <section class="settings-section card settings-macro-panel" data-settings-section="macro">
+        <div class="settings-section-head">
+          <button type="button" class="settings-section-fold" aria-expanded="true" aria-label="折叠"></button>
+          <h3 class="settings-display-title">宏观关键数据（风控前置）</h3>
+          <button type="button" class="ghost settings-section-save" data-settings-section="macro">保存表单</button>
+        </div>
+        <div class="settings-section-body">
         <p class="settings-display-hint">
           手动录入 FOMC / CPI / 就业数据发布时间（北京时间）。监控区在发布前后各 1 小时提示风险：有仓注意仓位，无仓建议等待。仅提醒，不拦截下单。
         </p>
@@ -903,9 +914,15 @@
           </div>
         </form>
         <div id="macro-event-list" class="macro-event-list"></div>
-      </div>
-      <div class="settings-supervisor-panel card">
-        <h3 class="settings-display-title">交易监管 · 企业微信</h3>
+        </div>
+      </section>
+      <section class="settings-section card settings-supervisor-panel" data-settings-section="supervisor">
+        <div class="settings-section-head">
+          <button type="button" class="settings-section-fold" aria-expanded="true" aria-label="折叠"></button>
+          <h3 class="settings-display-title">交易监管 · 企业微信</h3>
+          <button type="button" class="primary settings-section-save" data-settings-section="supervisor">保存</button>
+        </div>
+        <div class="settings-section-body">
         <p class="settings-display-hint">
           与四所实例策略通知独立；手动/中控开平仓与新开仓会推送至此 Webhook。链接可在下方单独修改。
         </p>
@@ -947,13 +964,25 @@
             <input id="supervisor-reopen-min" type="number" min="1" step="1" value="30" />
           </div>
         </div>
+        </div>
+      </section>
+      <section class="settings-section card" data-settings-section="exchanges">
+        <div class="settings-section-head">
+          <button type="button" class="settings-section-fold" aria-expanded="true" aria-label="折叠"></button>
+          <h3 class="settings-display-title">交易所账户</h3>
+          <div class="settings-section-head-actions">
+            <button type="button" id="btn-settings-add" class="ghost">添加交易所</button>
+            <button type="button" class="primary settings-section-save" data-settings-section="exchanges">全部保存</button>
+          </div>
+        </div>
+        <div class="settings-section-body">
+          <div id="settings-list" class="settings-grid-wrap"></div>
+        </div>
+      </section>
+      <div class="toolbar settings-page-toolbar">
+        <button type="button" id="btn-settings-save" class="primary">保存全部</button>
+        <button type="button" id="btn-settings-reload" class="ghost">重新加载</button>
       </div>
-      <div class="toolbar">
-        <button type="button" id="btn-settings-save" class="primary">保存设置</button>
-        <button type="button" id="btn-settings-add">添加交易所</button>
-        <button type="button" id="btn-settings-reload">重新加载</button>
-      </div>
-      <div id="settings-list" class="settings-grid-wrap"></div>
     </div>
   </div>