diff --git a/docs/更新说明.md b/docs/更新说明.md
index ecf2f29..4c6c6da 100644
--- a/docs/更新说明.md
+++ b/docs/更新说明.md
@@ -5,6 +5,15 @@
 
 ---
 
+## 2026-07-29 — 资金条：USDT/USDC 两行 + 居中对齐
+
+### 变更
+
+1. 资金账户 / 交易账户改为 USDT、USDC 上下两行显示。  
+2. 资金条各列文字居中；字号对齐 crypto_monitor 统计条（标签约 0.72rem，数值约 0.95rem）。
+
+---
+
 ## 2026-07-29 — 资金口径对齐 OKX：仅资金↔交易
 
 ### 变更
diff --git a/frontend/src/components/FundsBar.tsx b/frontend/src/components/FundsBar.tsx
index 56d6c5b..49620ee 100644
--- a/frontend/src/components/FundsBar.tsx
+++ b/frontend/src/components/FundsBar.tsx
@@ -26,11 +26,31 @@ function fmtU(n: number | null | undefined) {
   return `${n.toFixed(2)}U`;
 }
 
+function fmtUsdc(n: number | null | undefined) {
+  if (n == null || Number.isNaN(n)) return "—";
+  return `${n.toFixed(2)} USDC`;
+}
+
 function pnlClass(n: number | null | undefined) {
   if (n == null || Number.isNaN(n) || n === 0) return "";
   return n > 0 ? "pos-pnl-profit" : "pos-pnl-loss";
 }
 
+function DualCcy({
+  usdt,
+  usdc,
+}: {
+  usdt: number | null | undefined;
+  usdc: number | null | undefined;
+}) {
+  return (
+    <div className="funds-dual">
+      <div className="funds-value mono">{fmtU(usdt)}</div>
+      <div className="funds-value funds-value--sub mono">{fmtUsdc(usdc)}</div>
+    </div>
+  );
+}
+
 export default function FundsBar() {
   const [s, setS] = useState<FundsSummary | null>(null);
 
@@ -80,26 +100,24 @@ export default function FundsBar() {
                 : "—"}
             </div>
           </div>
-          <div className="funds-item funds-item--money">
+          <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 funds-item--money">
+          <div className="funds-item funds-item--dual">
             <div className="funds-label">资金账户</div>
-            <div className="funds-value mono">
-              {s.funding_label || fmtU(s.funding_usdt)}
-            </div>
+            <DualCcy usdt={s.funding_usdt} usdc={s.funding_usdc} />
           </div>
-          <div className="funds-item funds-item--money">
+          <div className="funds-item funds-item--dual">
             <div className="funds-label">交易账户</div>
-            <div className="funds-value mono">
-              {s.trading_label || fmtU(s.trading_usdt)}
-            </div>
+            <DualCcy usdt={s.trading_usdt} usdc={s.trading_usdc} />
           </div>
-          <div className="funds-item funds-item--pnl funds-item--money">
+          <div className="funds-item funds-item--pnl">
             <div className="funds-label">实时盈亏</div>
             <div className={`funds-value mono ${pnlClass(s.realtime_pnl)}`}>
-              {s.realtime_pnl == null ? "—" : fmtU(s.realtime_pnl)}
+              {s.realtime_pnl == null
+                ? "—"
+                : `${s.realtime_pnl > 0 ? "+" : ""}${fmtU(s.realtime_pnl)}`}
             </div>
           </div>
         </div>
diff --git a/frontend/src/styles/app.css b/frontend/src/styles/app.css
index 0334029..292caee 100644
--- a/frontend/src/styles/app.css
+++ b/frontend/src/styles/app.css
@@ -191,55 +191,67 @@ input {
   display: flex;
   flex-wrap: nowrap;
   gap: 0;
-  padding: 2px 0 4px;
+  padding: 4px 0 2px;
   overflow-x: auto;
   -webkit-overflow-scrolling: touch;
   scrollbar-width: thin;
+  align-items: stretch;
+  min-height: 56px;
 }
 
 .funds-item {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
   flex: 1 1 0;
   min-width: 72px;
-  padding: 4px 10px;
+  padding: 4px 8px;
   border-right: 1px solid var(--line);
+  text-align: center;
 }
 
 .funds-item:first-child {
-  padding-left: 0;
+  padding-left: 4px;
 }
 
 .funds-item:last-child {
   border-right: none;
-  padding-right: 0;
+  padding-right: 4px;
 }
 
 .funds-item--primary .funds-value {
   color: var(--accent);
+  font-size: 1.02rem;
+  font-weight: 700;
 }
 
 .funds-label {
-  font-size: 11px;
+  font-size: 0.72rem;
   color: var(--muted);
   line-height: 1.2;
-  margin-bottom: 2px;
+  margin-bottom: 6px;
   white-space: nowrap;
 }
 
 .funds-value {
-  font-size: 13px;
+  font-size: 0.95rem;
   font-weight: 600;
-  line-height: 1.25;
+  line-height: 1.3;
   white-space: nowrap;
+  color: var(--text);
 }
 
-.funds-item--money .funds-value {
-  font-size: 16px;
-  font-weight: 700;
-  letter-spacing: 0.01em;
+.funds-dual {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  gap: 2px;
 }
 
-.funds-item--money .funds-label {
-  font-size: 12px;
+.funds-value--sub {
+  font-size: 0.95rem;
+  font-weight: 600;
 }
 
 .funds-item--pnl .funds-value {