diff --git a/lib/hub/hub_bridge_register.py b/lib/hub/hub_bridge_register.py
index 7a4234a..96cea1f 100644
--- a/lib/hub/hub_bridge_register.py
+++ b/lib/hub/hub_bridge_register.py
@@ -400,6 +400,31 @@ def register_hub_bridge_routes(app: Flask, app_module: Any) -> None:
         out["version"] = 1
         return jsonify(out)
 
+    @app.route("/api/hub/options/transfer", methods=["POST"])
+    def api_hub_options_transfer():
+        """中控指令:实例内资金户↔交易户划转(默认资金→交易,USDT)."""
+        if not hub_bridge_token_ok(request.headers):
+            return jsonify({"ok": False, "msg": "未授权", "version": 1}), 401
+        hub_ctx = app.config.get("HUB_CTX") or {}
+        cfg = hub_ctx.get("options_cfg")
+        if not isinstance(cfg, dict):
+            return jsonify({"ok": False, "msg": "期权未就绪", "version": 1}), 503
+        data = request.get_json(silent=True) or {}
+        from lib.options.options_transfer_exec_lib import execute_options_internal_transfer
+
+        out = execute_options_internal_transfer(
+            cfg,
+            amount=data.get("amount"),
+            from_acct=(data.get("from") or "funding"),
+            to_acct=(data.get("to") or "trading"),
+            ccy=(data.get("ccy") or "USDT"),
+        )
+        if not isinstance(out, dict):
+            return jsonify({"ok": False, "msg": "划转返回异常", "version": 1}), 500
+        body = dict(out)
+        body["version"] = 1
+        return jsonify(body)
+
     @app.route("/api/hub/options/cond_orders", methods=["GET"])
     def api_hub_options_cond_orders_list():
         if not hub_bridge_token_ok(request.headers):
diff --git a/lib/options/options_hub_lib.py b/lib/options/options_hub_lib.py
index 6930119..c049e2f 100644
--- a/lib/options/options_hub_lib.py
+++ b/lib/options/options_hub_lib.py
@@ -158,6 +158,8 @@ def build_options_hub_snapshot(cfg: dict[str, Any]) -> dict[str, Any]:
             "open_bridges": open_bridges,
             "cond_order_locked": False,
             "cond_orders_active": [],
+            "transfer_blocked": False,
+            "transfer_block_msg": "",
         }
         try:
             from lib.options.options_cond_order_lib import has_active_cond_order, list_cond_orders
@@ -173,6 +175,19 @@ def build_options_hub_snapshot(cfg: dict[str, Any]) -> dict[str, Any]:
                 conn_c.close()
         except Exception:
             pass
+        try:
+            from lib.options.options_account_pnl_lib import transfer_blocked_by_position_msg
+
+            conn_tb = cfg["get_db"]()
+            try:
+                tmsg = transfer_blocked_by_position_msg(conn_tb, ex)
+                if tmsg:
+                    out["transfer_blocked"] = True
+                    out["transfer_block_msg"] = tmsg
+            finally:
+                conn_tb.close()
+        except Exception:
+            pass
         return out
     except Exception as e:
         return {"ok": False, "enabled": True, "msg": str(e)}
diff --git a/lib/options/options_register.py b/lib/options/options_register.py
index f675016..42f5f74 100644
--- a/lib/options/options_register.py
+++ b/lib/options/options_register.py
@@ -1261,52 +1261,21 @@ def register_options_routes(app: Flask, cfg: dict[str, Any]) -> None:
         ex, err = _require_options_ex(cfg)
         if ex is None:
             return jsonify({"ok": False, "msg": err})
-        # 持仓/待卖回禁止划转(规格)
-        conn_blk = cfg["get_db"]()
-        try:
-            from lib.options.options_account_pnl_lib import transfer_blocked_by_position_msg
-
-            block = transfer_blocked_by_position_msg(conn_blk, ex)
-            if block:
-                return jsonify({"ok": False, "msg": block, "transfer_blocked": True})
-        finally:
-            conn_blk.close()
+        del ex  # 执行层自行取 exchange_options
         data = request.get_json(silent=True) or {}
-        ccy = (data.get("ccy") or "USDC").upper()
-        from_acct = (data.get("from") or "funding").strip()
-        to_acct = (data.get("to") or "trading").strip()
-        try:
-            amount = float(data.get("amount"))
-        except (TypeError, ValueError):
-            return jsonify({"ok": False, "msg": "数量无效"})
-        try:
-            import lib.exchange.okx_options_lib as _opt_lib
+        from lib.options.options_transfer_exec_lib import execute_options_internal_transfer
 
-            xfer = getattr(_opt_lib, "transfer_ccy", None)
-        except Exception:
-            xfer = None
-        if not callable(xfer):
-            xfer = cfg.get("transfer_ccy")
-        result = xfer(ex, ccy, amount, from_acct, to_acct) if callable(xfer) else {
-            "ok": False,
-            "msg": "划转不可用",
-        }
-        if result.get("ok"):
-            conn = cfg["get_db"]()
-            try:
-                init_options_tables(conn)
-                conn.execute(
-                    """
-                    INSERT INTO options_transfer_log (ccy, amount, from_account, to_account, status, message)
-                    VALUES (?, ?, ?, ?, 'ok', '')
-                    """,
-                    (ccy, amount, from_acct, to_acct),
-                )
-                conn.commit()
-            finally:
-                conn.close()
-            _mark_balances_stale(cfg)
-        return jsonify(result)
+        # 前端传 ccy;缺省 USDT(币本位)
+        ccy = (data.get("ccy") or "USDT").upper()
+        return jsonify(
+            execute_options_internal_transfer(
+                cfg,
+                amount=data.get("amount"),
+                from_acct=(data.get("from") or "funding"),
+                to_acct=(data.get("to") or "trading"),
+                ccy=ccy,
+            )
+        )
 
     @app.route("/api/options/spot/swap", methods=["POST"])
     @lr
diff --git a/lib/options/options_transfer_exec_lib.py b/lib/options/options_transfer_exec_lib.py
new file mode 100644
index 0000000..41f93ee
--- /dev/null
+++ b/lib/options/options_transfer_exec_lib.py
@@ -0,0 +1,147 @@
+"""期权账户内划转执行(本机设置 / 中控 Bridge 共用)."""
+from __future__ import annotations
+
+from typing import Any
+
+
+def _safe_float(v: Any) -> float | None:
+    if v is None or v == "":
+        return None
+    try:
+        return float(v)
+    except (TypeError, ValueError):
+        return None
+
+
+def _pick_stable(bal: dict[str, Any] | None, *, account: str, ccy: str) -> float | None:
+    if not isinstance(bal, dict):
+        return None
+    acct = "trading" if account == "trading" else "funding"
+    ccy_l = (ccy or "usdt").strip().lower() or "usdt"
+    avail = _safe_float(bal.get(f"{acct}_{ccy_l}_avail"))
+    if avail is not None:
+        return round(float(avail), 8)
+    total = _safe_float(bal.get(f"{acct}_{ccy_l}"))
+    if total is not None:
+        return round(float(total), 8)
+    return None
+
+
+def execute_options_internal_transfer(
+    cfg: dict[str, Any],
+    *,
+    amount: Any,
+    from_acct: str = "funding",
+    to_acct: str = "trading",
+    ccy: str = "USDT",
+) -> dict[str, Any]:
+    """资金户↔交易户划转;持仓/待卖回拒绝.成功后附带最新 USDT 余额."""
+    from lib.options.options_account_pnl_lib import transfer_blocked_by_position_msg
+    from lib.options.options_db import init_options_tables
+
+    ex = cfg.get("exchange_options")
+    ready_fn = cfg.get("options_api_ready")
+    if callable(ready_fn):
+        ok, reason = ready_fn(ex)
+        if not ok:
+            return {"ok": False, "msg": reason or "期权 API 未配置"}
+    if ex is None:
+        return {"ok": False, "msg": "交易所未就绪"}
+
+    src = (from_acct or "funding").strip().lower()
+    dst = (to_acct or "trading").strip().lower()
+    if src not in ("funding", "trading") or dst not in ("funding", "trading"):
+        return {"ok": False, "msg": "仅支持 funding/trading"}
+    if src == dst:
+        return {"ok": False, "msg": "转出与转入账户不能相同"}
+    ccy_u = (ccy or "USDT").strip().upper() or "USDT"
+    if ccy_u not in ("USDT", "USDC"):
+        return {"ok": False, "msg": "仅支持 USDT/USDC"}
+    amt = _safe_float(amount)
+    if amt is None or amt <= 0:
+        return {"ok": False, "msg": "数量无效"}
+
+    get_db = cfg.get("get_db")
+    if not callable(get_db):
+        return {"ok": False, "msg": "数据库未就绪"}
+    conn = get_db()
+    try:
+        block = transfer_blocked_by_position_msg(conn, ex)
+        if block:
+            return {"ok": False, "msg": block, "transfer_blocked": True}
+    finally:
+        conn.close()
+
+    xfer = cfg.get("transfer_ccy")
+    if not callable(xfer):
+        try:
+            import lib.exchange.okx_options_lib as _opt_lib
+
+            xfer = getattr(_opt_lib, "transfer_ccy", None)
+        except Exception:
+            xfer = None
+    if not callable(xfer):
+        return {"ok": False, "msg": "划转不可用"}
+
+    result = xfer(ex, ccy_u, float(amt), src, dst)
+    if not isinstance(result, dict):
+        return {"ok": False, "msg": "划转返回异常"}
+    out = dict(result)
+    if not out.get("ok"):
+        out.setdefault("msg", "划转失败")
+        return out
+
+    conn2 = get_db()
+    try:
+        init_options_tables(conn2)
+        conn2.execute(
+            """
+            INSERT INTO options_transfer_log (ccy, amount, from_account, to_account, status, message)
+            VALUES (?, ?, ?, ?, 'ok', ?)
+            """,
+            (ccy_u, float(amt), src, dst, ""),
+        )
+        conn2.commit()
+    except Exception:
+        try:
+            conn2.rollback()
+        except Exception:
+            pass
+    finally:
+        conn2.close()
+
+    try:
+        from lib.exchange.okx_options_lib import invalidate_options_balance_cache
+        from lib.instance.instance_live_push_lib import notify_instance_balance_changed
+
+        invalidate_options_balance_cache()
+        app_mod = cfg.get("app_module")
+        if app_mod is not None and hasattr(app_mod, "invalidate_account_balance_cache"):
+            app_mod.invalidate_account_balance_cache()
+        notify_instance_balance_changed()
+    except Exception:
+        pass
+
+    bal = {}
+    try:
+        fetch_bal = cfg.get("fetch_options_balances")
+        if callable(fetch_bal):
+            bal = fetch_bal(ex) or {}
+    except Exception:
+        bal = {}
+    trading_usdt = _pick_stable(bal, account="trading", ccy="USDT")
+    funding_usdt = _pick_stable(bal, account="funding", ccy="USDT")
+    out.update(
+        {
+            "ok": True,
+            "msg": out.get("msg") or "划转成功",
+            "ccy": ccy_u,
+            "amount": round(float(amt), 8),
+            "from": src,
+            "to": dst,
+            "trading_usdt": trading_usdt,
+            "funding_usdt": funding_usdt,
+            "transfer_blocked": False,
+        }
+    )
+    return out
diff --git a/tests/test_options_transfer_exec.py b/tests/test_options_transfer_exec.py
new file mode 100644
index 0000000..ead1581
--- /dev/null
+++ b/tests/test_options_transfer_exec.py
@@ -0,0 +1,74 @@
+"""账户内划转执行:门禁与余额回写."""
+from __future__ import annotations
+
+import unittest
+from unittest.mock import MagicMock, patch
+
+
+class TestOptionsTransferExec(unittest.TestCase):
+    def test_block_when_position(self):
+        from lib.options.options_transfer_exec_lib import execute_options_internal_transfer
+
+        conn = MagicMock()
+        cfg = {
+            "exchange_options": object(),
+            "options_api_ready": lambda ex: (True, ""),
+            "get_db": lambda: conn,
+            "transfer_ccy": MagicMock(),
+        }
+        with patch(
+            "lib.options.options_transfer_exec_lib.transfer_blocked_by_position_msg",
+            create=True,
+        ):
+            with patch(
+                "lib.options.options_account_pnl_lib.transfer_blocked_by_position_msg",
+                return_value="期权持仓中禁止划转",
+            ):
+                out = execute_options_internal_transfer(
+                    cfg, amount=10, from_acct="funding", to_acct="trading"
+                )
+        self.assertFalse(out["ok"])
+        self.assertTrue(out.get("transfer_blocked"))
+        cfg["transfer_ccy"].assert_not_called()
+
+    def test_success_returns_balances(self):
+        from lib.options.options_transfer_exec_lib import execute_options_internal_transfer
+
+        conn = MagicMock()
+        xfer = MagicMock(return_value={"ok": True, "msg": "ok"})
+        fetch_bal = MagicMock(
+            return_value={
+                "trading_usdt": 30.0,
+                "funding_usdt": 70.0,
+                "trading_usdt_avail": 30.0,
+                "funding_usdt_avail": 70.0,
+            }
+        )
+        cfg = {
+            "exchange_options": object(),
+            "options_api_ready": lambda ex: (True, ""),
+            "get_db": lambda: conn,
+            "transfer_ccy": xfer,
+            "fetch_options_balances": fetch_bal,
+        }
+        with patch(
+            "lib.options.options_account_pnl_lib.transfer_blocked_by_position_msg",
+            return_value=None,
+        ), patch(
+            "lib.options.options_db.init_options_tables",
+        ), patch(
+            "lib.exchange.okx_options_lib.invalidate_options_balance_cache",
+        ), patch(
+            "lib.instance.instance_live_push_lib.notify_instance_balance_changed",
+        ):
+            out = execute_options_internal_transfer(
+                cfg, amount=10, from_acct="funding", to_acct="trading", ccy="USDT"
+            )
+        self.assertTrue(out["ok"])
+        self.assertAlmostEqual(out["trading_usdt"], 30.0)
+        self.assertAlmostEqual(out["funding_usdt"], 70.0)
+        xfer.assert_called_once()
+
+
+if __name__ == "__main__":
+    unittest.main()