diff --git a/backend/app/api/__init__.py b/backend/app/api/__init__.py
index 33fd14e..6e86542 100644
--- a/backend/app/api/__init__.py
+++ b/backend/app/api/__init__.py
@@ -2,6 +2,7 @@ from fastapi import APIRouter
 
 from .auth_routes import router as auth_router
 from .backup_routes import router as backup_router
+from .funds import router as funds_router
 from .market import router as market_router
 from .plan import router as plan_router
 from .settings import router as settings_router
@@ -16,5 +17,6 @@ router.include_router(sim_router)
 router.include_router(plan_router)
 router.include_router(trades_router)
 router.include_router(stats_router)
+router.include_router(funds_router)
 router.include_router(settings_router)
 router.include_router(backup_router)
diff --git a/backend/app/api/funds.py b/backend/app/api/funds.py
new file mode 100644
index 0000000..3b18d92
--- /dev/null
+++ b/backend/app/api/funds.py
@@ -0,0 +1,229 @@
+"""资金摘要 / 兑换 / 划转（SIM 本地钱包 + LIVE OKX）。"""
+
+from __future__ import annotations
+
+from datetime import datetime, timezone
+from typing import Annotated, Any, Literal
+from zoneinfo import ZoneInfo
+
+from fastapi import APIRouter, Depends, HTTPException
+from pydantic import BaseModel, Field
+
+from ..config import get_settings
+from ..live.okx_funds import OkxFundsClient, usdc_usdt_mid_rate
+from ..models.db import get_db
+from ..sim.funds_wallets import SimFundsWallets
+from ..sim.ledger import Ledger
+from ..strategy.engine import get_engine
+from .auth import require_user
+
+router = APIRouter(prefix="/api/funds", tags=["funds"])
+
+SH = ZoneInfo("Asia/Shanghai")
+
+
+def _pl_ratio(pnls: list[float]) -> float | None:
+    wins = [x for x in pnls if x > 0]
+    losses = [abs(x) for x in pnls if x < 0]
+    if not wins or not losses:
+        return None
+    avg_w = sum(wins) / len(wins)
+    avg_l = sum(losses) / len(losses)
+    if avg_l <= 1e-12:
+        return None
+    return round(avg_w / avg_l, 2)
+
+
+def _fmt_opt(usdc: float | None, usdt: float | None) -> str:
+    parts: list[str] = []
+    if usdc is not None:
+        parts.append(f"{usdc:.2f} USDC")
+    if usdt is not None and abs(usdt) > 1e-8:
+        parts.append(f"{usdt:.2f} USDT")
+    return " + ".join(parts) if parts else "—"
+
+
+class ConvertBody(BaseModel):
+    direction: Literal["usdt_to_usdc", "usdc_to_usdt"]
+    amount: float = Field(gt=0)
+
+
+class TransferBody(BaseModel):
+    ccy: Literal["USDT", "USDC", "usdt", "usdc"] = "USDC"
+    amount: float = Field(gt=0)
+    from_account: str
+    to_account: str
+
+
+@router.get("/summary")
+async def funds_summary(_user: Annotated[str, Depends(require_user)]) -> dict[str, Any]:
+    s = get_settings()
+    db = get_db()
+    eng = get_engine()
+    st = eng.state()
+    # 不在摘要里强调 SIM/LIVE 文案；仅给前端内部用
+    mode = "LIVE" if not s.is_sim else "SIM"
+    exchange = str(st.get("exchange") or s.exchange or "okx").upper()
+    trading_day = datetime.now(SH).strftime("%Y-%m-%d")
+
+    closed = db.fetchall(
+        "SELECT realized_pnl, close_at_ms FROM groups WHERE status='closed'"
+    )
+    pnls = [float(r["realized_pnl"] or 0) for r in closed]
+    n = len(pnls)
+    wins = sum(1 for x in pnls if x > 0)
+    win_rate = (wins / n) if n else 0.0
+
+    # 当日成交组
+    day_prefix = trading_day.replace("-", "")
+    day_groups = db.fetchall(
+        "SELECT realized_pnl FROM groups WHERE group_id LIKE ? AND status='closed'",
+        (f"G-{day_prefix}-%",),
+    )
+    day_n = len(day_groups)
+
+    pos = st.get("position") or {}
+    upl = pos
+    realtime = None
+    if str(pos.get("status") or "") == "open":
+        realtime = float(pos.get("net_pnl") or 0)
+
+    if s.is_sim:
+        wallets = SimFundsWallets(db)
+        w = wallets.snapshot()
+        # 若钱包全 0 但账本有权益，补种一次
+        if wallets.total_usdt_equiv(w) < 1e-9:
+            eq = float(Ledger(db).snapshot().get("equity") or 0)
+            if eq > 0:
+                w = wallets.reset_from_equity(eq)
+        funding_usdt = float(w["funding_usdt"])
+        trading_usdt = float(w["trading_usdt"])
+        opt_f_usdc = float(w["options_funding_usdc"])
+        opt_t_usdc = float(w["options_trading_usdc"])
+        opt_f_usdt = float(w["options_funding_usdt"])
+        opt_t_usdt = float(w["options_trading_usdt"])
+        total = wallets.total_usdt_equiv(w)
+        rate = usdc_usdt_mid_rate()
+    else:
+        rate = usdc_usdt_mid_rate()
+        funding_usdt = trading_usdt = None
+        opt_f_usdc = opt_t_usdc = opt_f_usdt = opt_t_usdt = None
+        total = None
+        if exchange == "OKX":
+            client = OkxFundsClient()
+            try:
+                bal = client.fetch_balances()
+                funding_usdt = bal.get("funding_usdt")
+                trading_usdt = bal.get("trading_usdt")
+                opt_f_usdc = bal.get("options_funding_usdc")
+                opt_t_usdc = bal.get("options_trading_usdc")
+                opt_f_usdt = bal.get("options_funding_usdt")
+                opt_t_usdt = bal.get("options_trading_usdt")
+                parts = [
+                    funding_usdt,
+                    trading_usdt,
+                    opt_f_usdc,
+                    opt_t_usdc,
+                    opt_f_usdt,
+                    opt_t_usdt,
+                ]
+                vals = [float(x) for x in parts if x is not None]
+                total = round(sum(vals), 2) if vals else None
+            except Exception as e:
+                return {
+                    "ok": False,
+                    "mode": mode,
+                    "exchange": exchange,
+                    "detail": str(e),
+                }
+            finally:
+                client.close()
+        else:
+            # 非 OKX LIVE：回退本地账本
+            led = Ledger(db).snapshot()
+            trading_usdt = float(led["equity"])
+            total = trading_usdt
+
+    return {
+        "ok": True,
+        "mode": mode,
+        "exchange": exchange,
+        "trading_day": trading_day,
+        "total_trades": day_n if day_n else n,
+        "win_rate": win_rate,
+        "profit_loss_ratio": _pl_ratio(pnls),
+        "total_funds": total,
+        "funding_usdt": funding_usdt,
+        "trading_usdt": trading_usdt,
+        "options_funding_usdc": opt_f_usdc,
+        "options_trading_usdc": opt_t_usdc,
+        "options_funding_usdt": opt_f_usdt,
+        "options_trading_usdt": opt_t_usdt,
+        "options_funding_label": _fmt_opt(opt_f_usdc, opt_f_usdt),
+        "options_trading_label": _fmt_opt(opt_t_usdc, opt_t_usdt),
+        "realtime_pnl": realtime,
+        "usdc_usdt_rate": rate,
+        "updated_at_ms": int(datetime.now(timezone.utc).timestamp() * 1000),
+    }
+
+
+@router.post("/convert")
+async def funds_convert(
+    body: ConvertBody, _user: Annotated[str, Depends(require_user)]
+) -> dict[str, Any]:
+    s = get_settings()
+    rate = usdc_usdt_mid_rate()
+    if s.is_sim:
+        r = SimFundsWallets(get_db()).convert(
+            direction=body.direction, amount=float(body.amount), rate=rate
+        )
+        if not r.get("ok"):
+            raise HTTPException(status_code=400, detail=r.get("detail") or "兑换失败")
+        return r
+
+    if str(s.exchange).lower() != "okx":
+        raise HTTPException(status_code=400, detail="当前仅 OKX 支持 USDC/USDT 兑换")
+    client = OkxFundsClient()
+    try:
+        r = client.spot_swap_usdt_usdc(
+            direction=body.direction, amount=float(body.amount)
+        )
+    finally:
+        client.close()
+    if not r.get("ok"):
+        raise HTTPException(status_code=400, detail=r.get("detail") or "兑换失败")
+    return r
+
+
+@router.post("/transfer")
+async def funds_transfer(
+    body: TransferBody, _user: Annotated[str, Depends(require_user)]
+) -> dict[str, Any]:
+    s = get_settings()
+    ccy = str(body.ccy).upper()
+    if s.is_sim:
+        r = SimFundsWallets(get_db()).transfer(
+            ccy=ccy,
+            amount=float(body.amount),
+            from_account=body.from_account,
+            to_account=body.to_account,
+        )
+        if not r.get("ok"):
+            raise HTTPException(status_code=400, detail=r.get("detail") or "划转失败")
+        return r
+
+    if str(s.exchange).lower() != "okx":
+        raise HTTPException(status_code=400, detail="当前仅 OKX 支持账户划转")
+    client = OkxFundsClient()
+    try:
+        r = client.transfer(
+            ccy=ccy,
+            amount=float(body.amount),
+            from_account=body.from_account,
+            to_account=body.to_account,
+        )
+    finally:
+        client.close()
+    if not r.get("ok"):
+        raise HTTPException(status_code=400, detail=r.get("detail") or "划转失败")
+    return r
diff --git a/backend/app/live/okx_funds.py b/backend/app/live/okx_funds.py
new file mode 100644
index 0000000..6b8996f
--- /dev/null
+++ b/backend/app/live/okx_funds.py
@@ -0,0 +1,191 @@
+"""OKX 资金：余额 / USDT↔USDC 现货兑换 / 账户划转（对齐 crypto_monitor）。"""
+
+from __future__ import annotations
+
+import logging
+from typing import Any
+
+from .okx_trade import OkxTradeClient
+
+logger = logging.getLogger(__name__)
+
+# OKX acct: 6=资金, 18=交易
+_ACCT_CODE = {
+    "funding": "6",
+    "trading": "18",
+    "spot": "18",
+    "options_funding": "6",
+    "options_trading": "18",
+}
+
+
+def _f(v: Any) -> float | None:
+    try:
+        if v is None or v == "":
+            return None
+        return float(v)
+    except (TypeError, ValueError):
+        return None
+
+
+class OkxFundsClient:
+    def __init__(self, trade: OkxTradeClient | None = None) -> None:
+        self.trade = trade or OkxTradeClient()
+
+    def close(self) -> None:
+        self.trade.close()
+
+    def fetch_balances(self) -> dict[str, float | None]:
+        """
+        拉取资金账户 + 交易账户 USDT/USDC。
+        资金：GET /api/v5/asset/balances
+        交易：GET /api/v5/account/balance
+        """
+        out: dict[str, float | None] = {
+            "funding_usdt": None,
+            "funding_usdc": None,
+            "trading_usdt": None,
+            "trading_usdc": None,
+            "options_funding_usdc": None,
+            "options_trading_usdc": None,
+            "options_funding_usdt": None,
+            "options_trading_usdt": None,
+        }
+        try:
+            rows = self.trade._request("GET", "/api/v5/asset/balances")
+            for row in rows:
+                ccy = str(row.get("ccy") or "").upper()
+                bal = _f(row.get("bal")) or _f(row.get("availBal"))
+                if ccy == "USDT":
+                    out["funding_usdt"] = bal
+                    out["options_funding_usdt"] = bal
+                elif ccy == "USDC":
+                    out["funding_usdc"] = bal
+                    out["options_funding_usdc"] = bal
+        except Exception as e:
+            logger.warning("OKX asset balances failed: %s", e)
+
+        try:
+            rows = self.trade._request("GET", "/api/v5/account/balance")
+            for block in rows:
+                details = block.get("details") or []
+                if not isinstance(details, list):
+                    continue
+                for row in details:
+                    if not isinstance(row, dict):
+                        continue
+                    ccy = str(row.get("ccy") or "").upper()
+                    eq = _f(row.get("eq")) or _f(row.get("cashBal")) or _f(row.get("availBal"))
+                    if ccy == "USDT":
+                        out["trading_usdt"] = eq
+                        out["options_trading_usdt"] = eq
+                    elif ccy == "USDC":
+                        out["trading_usdc"] = eq
+                        out["options_trading_usdc"] = eq
+        except Exception as e:
+            logger.warning("OKX account balance failed: %s", e)
+
+        return out
+
+    def spot_swap_usdt_usdc(self, *, direction: str, amount: float) -> dict[str, Any]:
+        """现货市价兑换 USDC-USDT（与 crypto_monitor spot_market_swap_usdt_usdc 同口径）。"""
+        amt = float(amount)
+        if amt <= 0:
+            return {"ok": False, "detail": "数量须大于 0"}
+        d = (direction or "").strip().lower()
+        inst_id = "USDC-USDT"
+        if d == "usdt_to_usdc":
+            body = {
+                "instId": inst_id,
+                "tdMode": "cash",
+                "side": "buy",
+                "ordType": "market",
+                "sz": str(amt),
+                "tgtCcy": "quote_ccy",
+            }
+        elif d == "usdc_to_usdt":
+            body = {
+                "instId": inst_id,
+                "tdMode": "cash",
+                "side": "sell",
+                "ordType": "market",
+                "sz": str(amt),
+                "tgtCcy": "base_ccy",
+            }
+        else:
+            return {"ok": False, "detail": "direction 须为 usdt_to_usdc 或 usdc_to_usdt"}
+        try:
+            rows = self.trade._request("POST", "/api/v5/trade/order", body)
+            if not rows:
+                return {"ok": False, "detail": "兑换下单无返回"}
+            row = rows[0]
+            if str(row.get("sCode") or "0") not in ("0", ""):
+                return {
+                    "ok": False,
+                    "detail": str(row.get("sMsg") or row.get("sCode") or "兑换失败"),
+                    "raw": row,
+                }
+            return {"ok": True, "detail": "converted", "data": row}
+        except Exception as e:
+            return {"ok": False, "detail": str(e)}
+
+    def transfer(
+        self,
+        *,
+        ccy: str,
+        amount: float,
+        from_account: str,
+        to_account: str,
+    ) -> dict[str, Any]:
+        """同一 API Key 下资金↔交易划转。"""
+        amt = float(amount)
+        if amt <= 0:
+            return {"ok": False, "detail": "划转金额须大于 0"}
+        fa = (from_account or "").strip().lower()
+        ta = (to_account or "").strip().lower()
+        if fa == ta:
+            return {"ok": False, "detail": "来源与目标账户不能相同"}
+        from_code = _ACCT_CODE.get(fa)
+        to_code = _ACCT_CODE.get(ta)
+        if not from_code or not to_code:
+            return {"ok": False, "detail": "账户须为 funding/trading（或 options_* 别名）"}
+        body = {
+            "ccy": str(ccy).upper(),
+            "amt": str(amt),
+            "from": from_code,
+            "to": to_code,
+            "type": "0",
+        }
+        try:
+            rows = self.trade._request("POST", "/api/v5/asset/transfer", body)
+            if not rows:
+                return {"ok": False, "detail": "划转无返回"}
+            return {"ok": True, "detail": "transferred", "data": rows[0]}
+        except Exception as e:
+            return {"ok": False, "detail": str(e)}
+
+
+def usdc_usdt_mid_rate() -> float:
+    """公共盘口中间价：1 USDC ≈ ? USDT；失败则 1.0。"""
+    try:
+        import httpx
+        from ..config import get_settings
+
+        s = get_settings()
+        proxy = (s.okx_http_proxy or "").strip() or None
+        with httpx.Client(base_url=s.okx_rest_base.rstrip("/"), timeout=8.0, proxy=proxy) as c:
+            r = c.get("/api/v5/market/ticker", params={"instId": "USDC-USDT"})
+            r.raise_for_status()
+            rows = (r.json() or {}).get("data") or []
+            if not rows:
+                return 1.0
+            bid = _f(rows[0].get("bidPx"))
+            ask = _f(rows[0].get("askPx"))
+            last = _f(rows[0].get("last"))
+            if bid and ask and bid > 0 and ask > 0:
+                return (bid + ask) / 2.0
+            if last and last > 0:
+                return last
+    except Exception as e:
+        logger.warning("USDC-USDT mid failed: %s", e)
+    return 1.0
diff --git a/backend/app/models/db.py b/backend/app/models/db.py
index 04cf465..0e12d78 100644
--- a/backend/app/models/db.py
+++ b/backend/app/models/db.py
@@ -123,6 +123,16 @@ CREATE TABLE IF NOT EXISTS residual_options (
   note TEXT,
   FOREIGN KEY(group_id) REFERENCES groups(group_id)
 );
+CREATE TABLE IF NOT EXISTS funds_wallets (
+  id INTEGER PRIMARY KEY CHECK (id = 1),
+  funding_usdt REAL NOT NULL DEFAULT 0,
+  trading_usdt REAL NOT NULL DEFAULT 0,
+  options_funding_usdc REAL NOT NULL DEFAULT 0,
+  options_trading_usdc REAL NOT NULL DEFAULT 0,
+  options_funding_usdt REAL NOT NULL DEFAULT 0,
+  options_trading_usdt REAL NOT NULL DEFAULT 0,
+  updated_at_ms INTEGER NOT NULL
+);
 """
 
 
@@ -192,6 +202,19 @@ class Database:
                     "INSERT INTO strategy_state(id, running, phase, rounds_done, updated_at_ms) VALUES (1,0,'idle',0,?)",
                     (now,),
                 )
+            fw = self._conn.execute("SELECT id FROM funds_wallets WHERE id=1").fetchone()
+            if fw is None:
+                led = self._conn.execute(
+                    "SELECT equity FROM ledger_meta WHERE id=1"
+                ).fetchone()
+                eq = float(led["equity"]) if led else float(s.initial_equity)
+                self._conn.execute(
+                    """INSERT INTO funds_wallets(
+                        id, funding_usdt, trading_usdt, options_funding_usdc, options_trading_usdc,
+                        options_funding_usdt, options_trading_usdt, updated_at_ms
+                    ) VALUES (1,?,0,0,0,0,0,?)""",
+                    (eq, now),
+                )
             defaults = {
                 "fee_rate": str(s.fee_rate),
                 "initial_equity": str(s.initial_equity),
diff --git a/backend/app/sim/funds_wallets.py b/backend/app/sim/funds_wallets.py
new file mode 100644
index 0000000..afa804a
--- /dev/null
+++ b/backend/app/sim/funds_wallets.py
@@ -0,0 +1,202 @@
+"""SIM 多账户资金：资金/交易 USDT + 期权资金/交易 USDC（对齐 OKX 展示）。"""
+
+from __future__ import annotations
+
+import time
+from typing import Any
+
+from ..models.db import Database, get_db
+
+WALLET_KEYS = (
+    "funding_usdt",
+    "trading_usdt",
+    "options_funding_usdc",
+    "options_trading_usdc",
+    "options_funding_usdt",
+    "options_trading_usdt",
+)
+
+# 划转账户映射
+_ACCT_MAP = {
+    ("funding", "usdt"): "funding_usdt",
+    ("trading", "usdt"): "trading_usdt",
+    ("options_funding", "usdc"): "options_funding_usdc",
+    ("options_trading", "usdc"): "options_trading_usdc",
+    ("options_funding", "usdt"): "options_funding_usdt",
+    ("options_trading", "usdt"): "options_trading_usdt",
+    # 简化别名：funding/trading + usdc → 期权侧
+    ("funding", "usdc"): "options_funding_usdc",
+    ("trading", "usdc"): "options_trading_usdc",
+}
+
+
+def _now_ms() -> int:
+    return int(time.time() * 1000)
+
+
+class SimFundsWallets:
+    def __init__(self, db: Database | None = None) -> None:
+        self.db = db or get_db()
+
+    def snapshot(self) -> dict[str, float]:
+        row = self.db.fetchone("SELECT * FROM funds_wallets WHERE id=1")
+        if row is None:
+            return {k: 0.0 for k in WALLET_KEYS}
+        return {k: float(row[k] or 0) for k in WALLET_KEYS}
+
+    def total_usdt_equiv(self, snap: dict[str, float] | None = None) -> float:
+        """USDC 按 1:1 计入总资金（与 crypto_monitor 一致）。"""
+        s = snap or self.snapshot()
+        return round(sum(float(s.get(k) or 0) for k in WALLET_KEYS), 8)
+
+    def reset_from_equity(self, equity: float) -> dict[str, float]:
+        """重置：全部放入资金账户 USDT。"""
+        amt = max(0.0, float(equity))
+        now = _now_ms()
+        self.db.execute(
+            """UPDATE funds_wallets SET
+                funding_usdt=?, trading_usdt=0, options_funding_usdc=0, options_trading_usdc=0,
+                options_funding_usdt=0, options_trading_usdt=0, updated_at_ms=?
+             WHERE id=1""",
+            (amt, now),
+        )
+        return self.snapshot()
+
+    def _set(self, **kwargs: float) -> dict[str, float]:
+        snap = self.snapshot()
+        for k, v in kwargs.items():
+            if k in WALLET_KEYS:
+                snap[k] = float(v)
+        now = _now_ms()
+        self.db.execute(
+            """UPDATE funds_wallets SET
+                funding_usdt=?, trading_usdt=?, options_funding_usdc=?, options_trading_usdc=?,
+                options_funding_usdt=?, options_trading_usdt=?, updated_at_ms=?
+             WHERE id=1""",
+            (
+                snap["funding_usdt"],
+                snap["trading_usdt"],
+                snap["options_funding_usdc"],
+                snap["options_trading_usdc"],
+                snap["options_funding_usdt"],
+                snap["options_trading_usdt"],
+                now,
+            ),
+        )
+        return snap
+
+    def mirror_cash(self, amount: float, *, kind: str) -> None:
+        """策略账本变动时镜像到对应钱包（SIM）。"""
+        amt = float(amount)
+        if abs(amt) < 1e-12:
+            return
+        snap = self.snapshot()
+        k = (kind or "").lower()
+        if "option" in k:
+            key = "options_trading_usdc"
+        elif "perp" in k or "funding" in k:
+            key = "trading_usdt"
+        else:
+            key = "trading_usdt"
+        snap[key] = float(snap.get(key) or 0) + amt
+        # 允许短暂为负（与 ledger allow_negative 对齐时由调用方保证）；展示侧夹到合理范围不在此做
+        self._set(**snap)
+
+    def sync_ledger_equity(self) -> float:
+        """兑换/划转后把总权益同步到 ledger_meta（不重置钱包分配）。"""
+        total = self.total_usdt_equiv()
+        now = _now_ms()
+        self.db.execute(
+            "UPDATE ledger_meta SET equity=?, available=?, updated_at_ms=? WHERE id=1",
+            (total, total, now),
+        )
+        return total
+
+    def convert(
+        self,
+        *,
+        direction: str,
+        amount: float,
+        rate: float = 1.0,
+    ) -> dict[str, Any]:
+        """
+        SIM 兑换（默认在「资金账户」内 USDT↔USDC，对齐 crypto_monitor 主路径）。
+        direction: usdt_to_usdc | usdc_to_usdt
+        rate: 1 USDC = rate USDT（默认 1.0）
+        """
+        amt = float(amount)
+        if amt <= 0:
+            return {"ok": False, "detail": "数量须大于 0"}
+        r = float(rate) if rate and rate > 0 else 1.0
+        d = (direction or "").strip().lower()
+        snap = self.snapshot()
+        if d == "usdt_to_usdc":
+            src = float(snap["funding_usdt"])
+            if amt > src + 1e-9:
+                return {"ok": False, "detail": f"资金账户 USDT 不足（可用 {src:.4f}）"}
+            usdc = amt / r
+            snap["funding_usdt"] = src - amt
+            snap["options_funding_usdc"] = float(snap["options_funding_usdc"]) + usdc
+        elif d == "usdc_to_usdt":
+            src = float(snap["options_funding_usdc"])
+            if amt > src + 1e-9:
+                return {"ok": False, "detail": f"期权资金账户 USDC 不足（可用 {src:.4f}）"}
+            usdt = amt * r
+            snap["options_funding_usdc"] = src - amt
+            snap["funding_usdt"] = float(snap["funding_usdt"]) + usdt
+        else:
+            return {"ok": False, "detail": "direction 须为 usdt_to_usdc 或 usdc_to_usdt"}
+        self._set(**snap)
+        total = self.sync_ledger_equity()
+        return {
+            "ok": True,
+            "detail": "converted",
+            "direction": d,
+            "amount": amt,
+            "rate": r,
+            "wallets": self.snapshot(),
+            "total_usdt_equiv": total,
+        }
+
+    def transfer(
+        self,
+        *,
+        ccy: str,
+        amount: float,
+        from_account: str,
+        to_account: str,
+    ) -> dict[str, Any]:
+        """SIM 划转：funding/trading/options_funding/options_trading × USDT|USDC。"""
+        amt = float(amount)
+        if amt <= 0:
+            return {"ok": False, "detail": "划转金额须大于 0"}
+        ccy_l = (ccy or "USDC").strip().lower()
+        fa = (from_account or "").strip().lower()
+        ta = (to_account or "").strip().lower()
+        if fa == ta:
+            return {"ok": False, "detail": "来源与目标账户不能相同"}
+        src_key = _ACCT_MAP.get((fa, ccy_l))
+        dst_key = _ACCT_MAP.get((ta, ccy_l))
+        if not src_key or not dst_key:
+            return {
+                "ok": False,
+                "detail": "账户须为 funding/trading/options_funding/options_trading，币种 USDT|USDC",
+            }
+        snap = self.snapshot()
+        src_bal = float(snap[src_key])
+        if amt > src_bal + 1e-9:
+            return {"ok": False, "detail": f"{src_key} 余额不足（可用 {src_bal:.4f}）"}
+        snap[src_key] = src_bal - amt
+        snap[dst_key] = float(snap[dst_key]) + amt
+        self._set(**snap)
+        total = self.sync_ledger_equity()
+        return {
+            "ok": True,
+            "detail": "transferred",
+            "ccy": ccy_l.upper(),
+            "amount": amt,
+            "from": fa,
+            "to": ta,
+            "wallets": self.snapshot(),
+            "total_usdt_equiv": total,
+        }
diff --git a/backend/app/sim/ledger.py b/backend/app/sim/ledger.py
index e3c5e29..0951e85 100644
--- a/backend/app/sim/ledger.py
+++ b/backend/app/sim/ledger.py
@@ -50,7 +50,15 @@ class Ledger:
                 (group_id, kind, float(amount), equity, note, now),
             )
             self.db._conn.commit()
-            return equity
+        try:
+            from ..config import get_settings
+            from .funds_wallets import SimFundsWallets
+
+            if get_settings().is_sim:
+                SimFundsWallets(self.db).mirror_cash(float(amount), kind=kind)
+        except Exception:
+            pass
+        return equity
 
     def reset_equity(self, amount: float, *, note: str = "重置模拟资金") -> float:
         """将权益与可用资金重置为 amount（reserved 清零）。须在无持仓时调用。"""
@@ -68,7 +76,15 @@ class Ledger:
                 (None, "reset", amt, amt, note, now),
             )
             self.db._conn.commit()
-            return amt
+        try:
+            from ..config import get_settings
+            from .funds_wallets import SimFundsWallets
+
+            if get_settings().is_sim:
+                SimFundsWallets(self.db).reset_from_equity(amt)
+        except Exception:
+            pass
+        return amt
 
     def get_setting_float(self, key: str, default: float) -> float:
         v = self.db.get_setting(key)
diff --git a/backend/app/strategy/engine.py b/backend/app/strategy/engine.py
index e2f20af..bfb67e0 100644
--- a/backend/app/strategy/engine.py
+++ b/backend/app/strategy/engine.py
@@ -126,6 +126,7 @@ class StrategyEngine:
             "ledger": self.ledger.snapshot(),
             "mode": "SIM" if s.is_sim else "LIVE",
             "sim": s.is_sim,
+            "exchange": str(s.exchange or "okx").lower(),
             "live_ready": (live_ready()[0] if not s.is_sim else True),
             "live_ready_reason": (live_ready()[1] if not s.is_sim else "sim"),
             "show_manual_trade_buttons": self.ledger.get_setting_bool(
diff --git a/docs/更新说明.md b/docs/更新说明.md
index 64d9dac..ef08907 100644
--- a/docs/更新说明.md
+++ b/docs/更新说明.md
@@ -5,6 +5,17 @@
 
 ---
 
+## 2026-07-29 — 资金条 + USDT/USDC 兑换划转（SIM/LIVE）
+
+### 变更
+
+1. 顶栏增加资金统计条（交易所/交易日/胜率/总资金/资金·交易·期权账户/实时盈亏），**不标注模拟盘**。  
+2. SIM：多账户钱包（USDT 资金/交易 + USDC 期权资金/交易）；设置页可兑换、划转。  
+3. LIVE（OKX）：拉交易所余额；现货市价兑换 USDC-USDT；资金↔交易划转（对齐 crypto_monitor）。  
+4. USDC 计入总资金按 1:1。
+
+---
+
 ## 2026-07-29 — 统计拆分手续费；LIVE 不展示/不计滑点
 
 ### 变更
diff --git a/frontend/src/App.tsx b/frontend/src/App.tsx
index e371577..db8b329 100644
--- a/frontend/src/App.tsx
+++ b/frontend/src/App.tsx
@@ -6,6 +6,7 @@ import {
   getUsername,
   startAuthTokenAutoRefresh,
 } from "./api/client";
+import FundsBar from "./components/FundsBar";
 import LoginPage from "./pages/Login";
 import PlanPage from "./pages/Plan";
 import TradesPage from "./pages/Trades";
@@ -63,6 +64,7 @@ function Shell({ children }: { children: ReactNode }) {
           </button>
         </div>
       </header>
+      <FundsBar />
       <main className="page">{children}</main>
       <nav className="bottom-nav" aria-label="手机导航">
         {NAV.map((item) => (
diff --git a/frontend/src/components/FundsBar.tsx b/frontend/src/components/FundsBar.tsx
new file mode 100644
index 0000000..6a197bc
--- /dev/null
+++ b/frontend/src/components/FundsBar.tsx
@@ -0,0 +1,104 @@
+import { useCallback, useEffect, useState } from "react";
+import { apiFetch } from "../api/client";
+
+export type FundsSummary = {
+  ok: boolean;
+  exchange: string;
+  trading_day: string;
+  total_trades: number;
+  win_rate: number;
+  profit_loss_ratio: number | null;
+  total_funds: number | null;
+  funding_usdt: number | null;
+  trading_usdt: number | null;
+  options_funding_label: string;
+  options_trading_label: string;
+  realtime_pnl: number | null;
+  usdc_usdt_rate?: number;
+  detail?: string;
+};
+
+function fmtU(n: number | null | undefined) {
+  if (n == null || Number.isNaN(n)) return "—";
+  return `${n.toFixed(2)}U`;
+}
+
+function pnlClass(n: number | null | undefined) {
+  if (n == null || Number.isNaN(n) || n === 0) return "";
+  return n > 0 ? "pos-pnl-profit" : "pos-pnl-loss";
+}
+
+export default function FundsBar() {
+  const [s, setS] = useState<FundsSummary | null>(null);
+
+  const load = useCallback(() => {
+    apiFetch<FundsSummary>("/api/funds/summary")
+      .then(setS)
+      .catch(() => {
+        /* 顶栏静默失败，避免刷屏 */
+      });
+  }, []);
+
+  useEffect(() => {
+    load();
+    const t = window.setInterval(load, 5000);
+    return () => window.clearInterval(t);
+  }, [load]);
+
+  if (!s?.ok) return null;
+
+  return (
+    <div className="funds-bar" aria-label="资金与统计">
+      <div className="funds-item funds-item--primary">
+        <div className="funds-label">交易所</div>
+        <div className="funds-value">{s.exchange || "—"}</div>
+      </div>
+      <div className="funds-item">
+        <div className="funds-label">交易日</div>
+        <div className="funds-value mono">{s.trading_day}</div>
+      </div>
+      <div className="funds-item funds-item--primary">
+        <div className="funds-label">总交易</div>
+        <div className="funds-value mono">{s.total_trades}</div>
+      </div>
+      <div className="funds-item">
+        <div className="funds-label">胜率</div>
+        <div className="funds-value mono">
+          {(s.win_rate * 100).toFixed(0)}%
+        </div>
+      </div>
+      <div className="funds-item" title="平均盈利 ÷ 平均亏损">
+        <div className="funds-label">盈亏比</div>
+        <div className="funds-value mono">
+          {s.profit_loss_ratio != null ? s.profit_loss_ratio.toFixed(2) : "—"}
+        </div>
+      </div>
+      <div className="funds-item">
+        <div className="funds-label">总资金</div>
+        <div className="funds-value mono">{fmtU(s.total_funds)}</div>
+      </div>
+      <div className="funds-item">
+        <div className="funds-label">资金账户</div>
+        <div className="funds-value mono">{fmtU(s.funding_usdt)}</div>
+      </div>
+      <div className="funds-item">
+        <div className="funds-label">交易账户</div>
+        <div className="funds-value mono">{fmtU(s.trading_usdt)}</div>
+      </div>
+      <div className="funds-item">
+        <div className="funds-label">期权资金账户</div>
+        <div className="funds-value mono">{s.options_funding_label}</div>
+      </div>
+      <div className="funds-item">
+        <div className="funds-label">期权交易账户</div>
+        <div className="funds-value mono">{s.options_trading_label}</div>
+      </div>
+      <div className="funds-item funds-item--pnl">
+        <div className="funds-label">实时盈亏</div>
+        <div className={`funds-value mono ${pnlClass(s.realtime_pnl)}`}>
+          {s.realtime_pnl == null ? "—" : fmtU(s.realtime_pnl)}
+        </div>
+      </div>
+    </div>
+  );
+}
diff --git a/frontend/src/pages/Plan.tsx b/frontend/src/pages/Plan.tsx
index 8377d0c..040f39a 100644
--- a/frontend/src/pages/Plan.tsx
+++ b/frontend/src/pages/Plan.tsx
@@ -168,8 +168,7 @@ export default function PlanPage() {
       <div className="plan-desktop-head">
         <h2 style={{ marginTop: 0 }}>自动对冲计划</h2>
         <p style={{ color: "var(--muted)", marginTop: -8 }}>
-          {plan?.mode === "LIVE" ? "LIVE 实盘下单" : "SIM 本地撮合"} · 行情{" "}
-          {(snap?.exchange || "okx").toUpperCase()}
+          行情 {(snap?.exchange || "okx").toUpperCase()}
           {snap?.perp_inst_id ? ` · ${snap.perp_inst_id}` : ""} ·
           目标平仓(双腿/远虚只平永续) · 未达标则到期结算
           {plan?.mode === "LIVE" && plan.live_ready === false
diff --git a/frontend/src/pages/Settings.tsx b/frontend/src/pages/Settings.tsx
index d10bea8..88f5307 100644
--- a/frontend/src/pages/Settings.tsx
+++ b/frontend/src/pages/Settings.tsx
@@ -12,7 +12,7 @@ import {
   uploadRestoreBackup,
 } from "../api/client";
 
-type Tab = "strategy" | "runtime" | "account" | "backup";
+type Tab = "strategy" | "runtime" | "funds" | "account" | "backup";
 type StratSub =
   | "position"
   | "select"
@@ -104,6 +104,18 @@ export default function SettingsPage() {
   const [restoreFile, setRestoreFile] = useState<File | null>(null);
   const [restorePhrase, setRestorePhrase] = useState("");
 
+  const [fundsOk, setFundsOk] = useState("");
+  const [fundsErr, setFundsErr] = useState("");
+  const [convertDir, setConvertDir] = useState<"usdt_to_usdc" | "usdc_to_usdt">(
+    "usdt_to_usdc",
+  );
+  const [convertAmt, setConvertAmt] = useState(100);
+  const [xferCcy, setXferCcy] = useState<"USDT" | "USDC">("USDC");
+  const [xferAmt, setXferAmt] = useState(50);
+  const [xferFrom, setXferFrom] = useState("funding");
+  const [xferTo, setXferTo] = useState("trading");
+  const [usdcRate, setUsdcRate] = useState<number | null>(null);
+
   function loadRuntime() {
     apiFetch<RuntimeSettings>("/api/settings/runtime")
       .then((r) => {
@@ -426,6 +438,20 @@ export default function SettingsPage() {
         >
           运行模式
         </button>
+        <button
+          type="button"
+          className={tab === "funds" ? "tab active" : "tab"}
+          onClick={() => {
+            setTab("funds");
+            setFundsErr("");
+            setFundsOk("");
+            apiFetch<{ usdc_usdt_rate?: number }>("/api/funds/summary")
+              .then((r) => setUsdcRate(r.usdc_usdt_rate ?? null))
+              .catch(() => undefined);
+          }}
+        >
+          资金
+        </button>
         <button
           type="button"
           className={tab === "account" ? "tab active" : "tab"}
@@ -1031,6 +1057,169 @@ export default function SettingsPage() {
         </div>
       ) : null}
 
+      {tab === "funds" ? (
+        <div className="card settings-card">
+          {fundsErr ? <div className="err">{fundsErr}</div> : null}
+          {fundsOk ? <div className="settings-ok">{fundsOk}</div> : null}
+          <section className="settings-section">
+            <h3>币种兑换（USDT ↔ USDC）</h3>
+            <p className="meta" style={{ marginTop: 0 }}>
+              对齐 OKX 现货市价 USDC-USDT。参考价{" "}
+              {usdcRate != null ? `1 USDC ≈ ${usdcRate.toFixed(4)} USDT` : "—"}
+              。兑换发生在资金账户侧（USDT↔期权资金 USDC）。
+            </p>
+            <div className="settings-fields">
+              <div className="field">
+                <label htmlFor="convertDir">方向</label>
+                <select
+                  id="convertDir"
+                  value={convertDir}
+                  onChange={(e) =>
+                    setConvertDir(
+                      e.target.value === "usdc_to_usdt"
+                        ? "usdc_to_usdt"
+                        : "usdt_to_usdc",
+                    )
+                  }
+                >
+                  <option value="usdt_to_usdc">USDT → USDC</option>
+                  <option value="usdc_to_usdt">USDC → USDT</option>
+                </select>
+              </div>
+              <div className="field">
+                <label htmlFor="convertAmt">数量</label>
+                <input
+                  id="convertAmt"
+                  type="number"
+                  min={0}
+                  step="0.01"
+                  value={convertAmt}
+                  onChange={(e) => setConvertAmt(Number(e.target.value))}
+                />
+              </div>
+            </div>
+            <div className="settings-actions">
+              <button
+                className="btn"
+                type="button"
+                disabled={loading}
+                onClick={async () => {
+                  setFundsErr("");
+                  setFundsOk("");
+                  setLoading(true);
+                  try {
+                    await apiFetch("/api/funds/convert", {
+                      method: "POST",
+                      body: JSON.stringify({
+                        direction: convertDir,
+                        amount: convertAmt,
+                      }),
+                    });
+                    setFundsOk("兑换成功，顶部资金条将刷新");
+                  } catch (e) {
+                    setFundsErr(e instanceof Error ? e.message : String(e));
+                  } finally {
+                    setLoading(false);
+                  }
+                }}
+              >
+                兑换
+              </button>
+            </div>
+          </section>
+
+          <section className="settings-section">
+            <h3>账户划转</h3>
+            <p className="meta" style={{ marginTop: 0 }}>
+              资金账户 ↔ 交易账户（USDT/USDC）。期权侧可用 options_funding /
+              options_trading。
+            </p>
+            <div className="settings-fields">
+              <div className="field">
+                <label htmlFor="xferCcy">币种</label>
+                <select
+                  id="xferCcy"
+                  value={xferCcy}
+                  onChange={(e) =>
+                    setXferCcy(e.target.value === "USDT" ? "USDT" : "USDC")
+                  }
+                >
+                  <option value="USDC">USDC</option>
+                  <option value="USDT">USDT</option>
+                </select>
+              </div>
+              <div className="field">
+                <label htmlFor="xferFrom">从</label>
+                <select
+                  id="xferFrom"
+                  value={xferFrom}
+                  onChange={(e) => setXferFrom(e.target.value)}
+                >
+                  <option value="funding">资金账户</option>
+                  <option value="trading">交易账户</option>
+                  <option value="options_funding">期权资金</option>
+                  <option value="options_trading">期权交易</option>
+                </select>
+              </div>
+              <div className="field">
+                <label htmlFor="xferTo">到</label>
+                <select
+                  id="xferTo"
+                  value={xferTo}
+                  onChange={(e) => setXferTo(e.target.value)}
+                >
+                  <option value="funding">资金账户</option>
+                  <option value="trading">交易账户</option>
+                  <option value="options_funding">期权资金</option>
+                  <option value="options_trading">期权交易</option>
+                </select>
+              </div>
+              <div className="field">
+                <label htmlFor="xferAmt">数量</label>
+                <input
+                  id="xferAmt"
+                  type="number"
+                  min={0}
+                  step="0.01"
+                  value={xferAmt}
+                  onChange={(e) => setXferAmt(Number(e.target.value))}
+                />
+              </div>
+            </div>
+            <div className="settings-actions">
+              <button
+                className="btn"
+                type="button"
+                disabled={loading}
+                onClick={async () => {
+                  setFundsErr("");
+                  setFundsOk("");
+                  setLoading(true);
+                  try {
+                    await apiFetch("/api/funds/transfer", {
+                      method: "POST",
+                      body: JSON.stringify({
+                        ccy: xferCcy,
+                        amount: xferAmt,
+                        from_account: xferFrom,
+                        to_account: xferTo,
+                      }),
+                    });
+                    setFundsOk("划转成功，顶部资金条将刷新");
+                  } catch (e) {
+                    setFundsErr(e instanceof Error ? e.message : String(e));
+                  } finally {
+                    setLoading(false);
+                  }
+                }}
+              >
+                划转
+              </button>
+            </div>
+          </section>
+        </div>
+      ) : null}
+
       {tab === "account" ? (
         <div className="card settings-card settings-card-narrow">
           {err ? <div className="err">{err}</div> : null}
diff --git a/frontend/src/styles/app.css b/frontend/src/styles/app.css
index 7412991..5d01e09 100644
--- a/frontend/src/styles/app.css
+++ b/frontend/src/styles/app.css
@@ -80,7 +80,52 @@ input {
 .app-shell {
   min-height: 100vh;
   display: grid;
-  grid-template-rows: auto 1fr;
+  grid-template-rows: auto auto 1fr;
+}
+
+.funds-bar {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 2px 0;
+  padding: 8px 12px;
+  border-bottom: 1px solid var(--line);
+  background: rgba(18, 22, 28, 0.96);
+  overflow-x: auto;
+  -webkit-overflow-scrolling: touch;
+}
+
+.funds-item {
+  flex: 1 1 auto;
+  min-width: 88px;
+  padding: 4px 10px;
+  border-right: 1px solid var(--line);
+}
+
+.funds-item:last-child {
+  border-right: none;
+}
+
+.funds-item--primary .funds-value {
+  color: var(--accent);
+}
+
+.funds-label {
+  font-size: 11px;
+  color: var(--muted);
+  line-height: 1.2;
+  margin-bottom: 2px;
+  white-space: nowrap;
+}
+
+.funds-value {
+  font-size: 13px;
+  font-weight: 600;
+  line-height: 1.25;
+  white-space: nowrap;
+}
+
+.funds-item--pnl .funds-value {
+  font-variant-numeric: tabular-nums;
 }
 
 .topnav {