Align funds to OKX funding/trading only; fold rules; match settings width.

Co-authored-by: Cursor <cursoragent@cursor.com>

backend/app/api/funds.py

@@ -34,12 +34,12 @@ def _pl_ratio(pnls: list[float]) -> float | None:
     return round(avg_w / avg_l, 2)
 
 
-def _fmt_opt(usdc: float | None, usdt: float | None) -> str:
+def _fmt_acct(usdt: float | None, usdc: float | None) -> str:
     parts: list[str] = []
-    if usdc is not None:
+    if usdt is not None:
+        parts.append(f"{usdt:.2f}U")
+    if usdc is not None and abs(usdc) > 1e-8:
         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 "—"
 
 
@@ -51,8 +51,8 @@ class ConvertBody(BaseModel):
 class TransferBody(BaseModel):
     ccy: Literal["USDT", "USDC", "usdt", "usdc"] = "USDC"
     amount: float = Field(gt=0)
-    from_account: str
+    from_account: Literal["funding", "trading"] = "funding"
-    to_account: str
+    to_account: Literal["funding", "trading"] = "trading"
 
 
 @router.get("/summary")
@@ -96,18 +96,16 @@ async def funds_summary(_user: Annotated[str, Depends(require_user)]) -> dict[st
             eq = float(Ledger(db).snapshot().get("equity") or 0)
             if eq > 0:
                 w = wallets.reset_from_equity(eq)
-        funding_usdt = float(w["funding_usdt"])
+        v = wallets.view()
-        trading_usdt = float(w["trading_usdt"])
+        funding_usdt = float(v["funding_usdt"])
-        opt_f_usdc = float(w["options_funding_usdc"])
+        trading_usdt = float(v["trading_usdt"])
-        opt_t_usdc = float(w["options_trading_usdc"])
+        funding_usdc = float(v["funding_usdc"])
-        opt_f_usdt = float(w["options_funding_usdt"])
+        trading_usdc = float(v["trading_usdc"])
-        opt_t_usdt = float(w["options_trading_usdt"])
+        total = wallets.total_usdt_equiv()
-        total = wallets.total_usdt_equiv(w)
         rate = usdc_usdt_mid_rate()
     else:
         rate = usdc_usdt_mid_rate()
-        funding_usdt = trading_usdt = None
+        funding_usdt = trading_usdt = funding_usdc = trading_usdc = None
-        opt_f_usdc = opt_t_usdc = opt_f_usdt = opt_t_usdt = None
         total = None
         if exchange == "OKX":
             client = OkxFundsClient()
@@ -115,18 +113,9 @@ async def funds_summary(_user: Annotated[str, Depends(require_user)]) -> dict[st
                 bal = client.fetch_balances()
                 funding_usdt = bal.get("funding_usdt")
                 trading_usdt = bal.get("trading_usdt")
-                opt_f_usdc = bal.get("options_funding_usdc")
+                funding_usdc = bal.get("funding_usdc")
-                opt_t_usdc = bal.get("options_trading_usdc")
+                trading_usdc = bal.get("trading_usdc")
-                opt_f_usdt = bal.get("options_funding_usdt")
+                parts = [funding_usdt, trading_usdt, funding_usdc, trading_usdc]
-                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:
@@ -155,12 +144,10 @@ async def funds_summary(_user: Annotated[str, Depends(require_user)]) -> dict[st
         "total_funds": total,
         "funding_usdt": funding_usdt,
         "trading_usdt": trading_usdt,
-        "options_funding_usdc": opt_f_usdc,
+        "funding_usdc": funding_usdc,
-        "options_trading_usdc": opt_t_usdc,
+        "trading_usdc": trading_usdc,
-        "options_funding_usdt": opt_f_usdt,
+        "funding_label": _fmt_acct(funding_usdt, funding_usdc),
-        "options_trading_usdt": opt_t_usdt,
+        "trading_label": _fmt_acct(trading_usdt, trading_usdc),
-        "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,
         "perp_inst_id": str(

backend/app/live/okx_funds.py

@@ -14,8 +14,6 @@ _ACCT_CODE = {
     "funding": "6",
     "trading": "18",
     "spot": "18",
-    "options_funding": "6",
-    "options_trading": "18",
 }
 
 
@@ -46,10 +44,6 @@ class OkxFundsClient:
             "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")
@@ -58,10 +52,8 @@ class OkxFundsClient:
                 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)
 
@@ -78,10 +70,8 @@ class OkxFundsClient:
                     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)
 
@@ -148,7 +138,7 @@ class OkxFundsClient:
         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）"}
+            return {"ok": False, "detail": "账户须为 funding / trading"}
         body = {
             "ccy": str(ccy).upper(),
             "amt": str(amt),

backend/app/sim/funds_wallets.py

@@ -1,4 +1,4 @@
-"""SIM 多账户资金：资金/交易 USDT + 期权资金/交易 USDC（对齐 OKX 展示）。"""
+"""SIM 资金钱包：资金账户 / 交易账户 × USDT|USDC（对齐 OKX，无期权分账户）。"""
 
 from __future__ import annotations
 
@@ -7,24 +7,19 @@ from typing import Any
 
 from ..models.db import Database, get_db
 
+# DB 列名（历史兼容：USDC 存在 options_*_usdc 列，语义为资金/交易账户 USDC）
 WALLET_KEYS = (
     "funding_usdt",
     "trading_usdt",
-    "options_funding_usdc",
+    "options_funding_usdc",  # = funding_usdc
-    "options_trading_usdc",
+    "options_trading_usdc",  # = trading_usdc
-    "options_funding_usdt",
+    "options_funding_usdt",  # 废弃，恒为 0
-    "options_trading_usdt",
+    "options_trading_usdt",  # 废弃，恒为 0
 )
 
-# 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",
 }
@@ -44,10 +39,36 @@ class SimFundsWallets:
             return {k: 0.0 for k in WALLET_KEYS}
         return {k: float(row[k] or 0) for k in WALLET_KEYS}
 
+    def view(self) -> dict[str, float]:
+        """对外口径：funding/trading × usdt/usdc。"""
+        s = self.snapshot()
+        return {
+            "funding_usdt": float(s["funding_usdt"]),
+            "trading_usdt": float(s["trading_usdt"]),
+            "funding_usdc": float(s["options_funding_usdc"]),
+            "trading_usdc": float(s["options_trading_usdc"]),
+        }
+
     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）。"""
+        """USDC 按 1:1 计入总资金。"""
-        s = snap or self.snapshot()
+        if snap is None:
-        return round(sum(float(s.get(k) or 0) for k in WALLET_KEYS), 8)
+            v = self.view()
+        elif "funding_usdc" in snap:
+            v = snap
+        else:
+            v = {
+                "funding_usdt": float(snap.get("funding_usdt") or 0),
+                "trading_usdt": float(snap.get("trading_usdt") or 0),
+                "funding_usdc": float(snap.get("options_funding_usdc") or 0),
+                "trading_usdc": float(snap.get("options_trading_usdc") or 0),
+            }
+        return round(
+            float(v.get("funding_usdt") or 0)
+            + float(v.get("trading_usdt") or 0)
+            + float(v.get("funding_usdc") or 0)
+            + float(v.get("trading_usdc") or 0),
+            8,
+        )
 
     def reset_from_equity(self, equity: float) -> dict[str, float]:
         """重置：全部放入资金账户 USDT。"""
@@ -71,22 +92,20 @@ class SimFundsWallets:
         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=?
+                options_funding_usdt=0, options_trading_usdt=0, 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）。"""
+        """策略账本变动镜像到交易账户（永续 USDT / 期权 USDC）。"""
         amt = float(amount)
         if abs(amt) < 1e-12:
             return
@@ -94,16 +113,12 @@ class SimFundsWallets:
         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(
@@ -119,11 +134,7 @@ class SimFundsWallets:
         amount: float,
         rate: float = 1.0,
     ) -> dict[str, Any]:
-        """
+        """资金账户内 USDT↔USDC 兑换。"""
-        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"}
@@ -140,7 +151,7 @@ class SimFundsWallets:
         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}）"}
+                return {"ok": False, "detail": f"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
@@ -154,7 +165,7 @@ class SimFundsWallets:
             "direction": d,
             "amount": amt,
             "rate": r,
-            "wallets": self.snapshot(),
+            "wallets": self.view(),
             "total_usdt_equiv": total,
         }
 
@@ -166,26 +177,26 @@ class SimFundsWallets:
         from_account: str,
         to_account: str,
     ) -> dict[str, Any]:
-        """SIM 划转：funding/trading/options_funding/options_trading × USDT|USDC。"""
+        """仅资金账户 ↔ 交易账户。"""
         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()
+        allowed = {"funding", "trading"}
+        if fa not in allowed or ta not in allowed:
+            return {"ok": False, "detail": "账户仅支持 funding / trading"}
         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 {
+            return {"ok": False, "detail": "币种须为 USDT 或 USDC"}
-                "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}）"}
+            return {"ok": False, "detail": f"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)
@@ -197,6 +208,6 @@ class SimFundsWallets:
             "amount": amt,
             "from": fa,
             "to": ta,
-            "wallets": self.snapshot(),
+            "wallets": self.view(),
             "total_usdt_equiv": total,
         }

backend/app/strategy/open_capacity.py

@@ -59,8 +59,8 @@ def _live_balances() -> dict[str, float | None]:
     out: dict[str, float | None] = {
         "funding_usdt": None,
         "trading_usdt": None,
-        "options_funding_usdc": None,
+        "funding_usdc": None,
-        "options_trading_usdc": None,
+        "trading_usdc": None,
     }
     try:
         from ..live.okx_funds import OkxFundsClient
@@ -80,24 +80,21 @@ def _live_balances() -> dict[str, float | None]:
 
 
 def _sim_balances(db: Database) -> dict[str, float]:
-    w = SimFundsWallets(db).snapshot()
+    w = SimFundsWallets(db).view()
     led = Ledger(db).snapshot()
     avail = float(led.get("available") or 0)
-    funding = float(w.get("funding_usdt") or 0)
+    trading_usdt = float(w.get("trading_usdt") or 0)
-    trading = float(w.get("trading_usdt") or 0)
+    trading_usdc = float(w.get("trading_usdc") or 0)
-    opt_f = float(w.get("options_funding_usdc") or 0)
+    # 未划转到交易账户时回退账本可用（兼容旧 SIM）
-    opt_t = float(w.get("options_trading_usdc") or 0)
+    if trading_usdt < 1e-9 and trading_usdc < 1e-9 and avail > 1e-9:
-    # 钱包未播种时回退账本可用
-    usdt = funding + trading
-    if usdt < 1e-9:
-        usdt = avail
-    usdc = opt_f + opt_t
-    if usdc < 1e-9:
-        # SIM 早期权利金从账本扣；无 USDC 钱包时用可用资金估期权可开
-        usdc = avail
         return {
-        "perp_usdt": usdt,
+            "perp_usdt": avail,
-        "option_usdc": usdc,
+            "option_usdc": avail,
+            "ledger_available": avail,
+        }
+    return {
+        "perp_usdt": trading_usdt,
+        "option_usdc": trading_usdc,
         "ledger_available": avail,
     }
 
@@ -130,21 +127,11 @@ def assess_open_capacity(db: Database | None = None) -> dict[str, Any]:
         have_opt = float(bal["option_usdc"])
     else:
         live = _live_balances()
-        # 永续用交易账户；若为空则合并资金账户（提示需划转但仍可显示）
+        # OKX：永续与期权都在交易账户
-        t = live.get("trading_usdt")
+        t_usdt = live.get("trading_usdt")
-        f = live.get("funding_usdt")
+        t_usdc = live.get("trading_usdc")
-        if t is not None and t > 1e-9:
+        have_perp = float(t_usdt) if t_usdt is not None else None
-            have_perp = float(t)
+        have_opt = float(t_usdc) if t_usdc is not None else None
-        elif t is not None or f is not None:
-            have_perp = float(t or 0) + float(f or 0)
-        else:
-            have_perp = None
-        of_ = live.get("options_funding_usdc")
-        ot_ = live.get("options_trading_usdc")
-        if of_ is None and ot_ is None:
-            have_opt = None
-        else:
-            have_opt = float(of_ or 0) + float(ot_ or 0)
 
     perp_ok: bool | None
     if margin_need is None or have_perp is None:

docs/更新说明.md

@@ -5,6 +5,16 @@
 
 ---
 
+## 2026-07-29 — 资金口径对齐 OKX：仅资金↔交易
+
+### 变更
+
+1. 去掉「期权资金 / 期权交易」账户；顶栏只显示资金账户、交易账户（各含 USDT+USDC）。  
+2. 划转仅支持资金账户 ↔ 交易账户；兑换在资金账户内 USDT↔USDC。  
+3. 资金页说明收入折叠「规则说明」；划转控件单行排列；设置卡片与资金条同宽。
+
+---
+
 ## 2026-07-29 — 权益杠杆可开判定 + 资金不足微信推送
 
 ### 变更

frontend/src/components/FundsBar.tsx

@@ -11,8 +11,10 @@ export type FundsSummary = {
   total_funds: number | null;
   funding_usdt: number | null;
   trading_usdt: number | null;
-  options_funding_label: string;
+  funding_usdc?: number | null;
-  options_trading_label: string;
+  trading_usdc?: number | null;
+  funding_label?: string;
+  trading_label?: string;
   realtime_pnl: number | null;
   usdc_usdt_rate?: number;
   perp_inst_id?: string;
@@ -84,19 +86,15 @@ export default function FundsBar() {
           </div>
           <div className="funds-item funds-item--money">
             <div className="funds-label">资金账户</div>
-            <div className="funds-value mono">{fmtU(s.funding_usdt)}</div>
+            <div className="funds-value mono">
+              {s.funding_label || fmtU(s.funding_usdt)}
+            </div>
           </div>
           <div className="funds-item funds-item--money">
             <div className="funds-label">交易账户</div>
-            <div className="funds-value mono">{fmtU(s.trading_usdt)}</div>
+            <div className="funds-value mono">
+              {s.trading_label || fmtU(s.trading_usdt)}
             </div>
-          <div className="funds-item funds-item--money">
-            <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 funds-item--money">
-            <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 funds-item--money">
             <div className="funds-label">实时盈亏</div>

frontend/src/pages/Settings.tsx

@@ -115,6 +115,7 @@ export default function SettingsPage() {
   const [xferFrom, setXferFrom] = useState("funding");
   const [xferTo, setXferTo] = useState("trading");
   const [usdcRate, setUsdcRate] = useState<number | null>(null);
+  const [fundsRulesOpen, setFundsRulesOpen] = useState(false);
 
   function loadRuntime() {
     apiFetch<RuntimeSettings>("/api/settings/runtime")
@@ -1061,13 +1062,24 @@ export default function SettingsPage() {
         <div className="card settings-card">
           {fundsErr ? <div className="err">{fundsErr}</div> : null}
           {fundsOk ? <div className="settings-ok">{fundsOk}</div> : null}
+
+          <RulesFold
+            open={fundsRulesOpen}
+            onToggle={() => setFundsRulesOpen((v) => !v)}
+          >
+            <p>
+              币种兑换：对齐 OKX 现货市价 USDC-USDT，在<strong>资金账户</strong>
+              内完成 USDT↔USDC。参考价{" "}
+              {usdcRate != null ? `1 USDC ≈ ${usdcRate.toFixed(4)} USDT` : "—"}。
+            </p>
+            <p>
+              账户划转：仅<strong>资金账户 ↔ 交易账户</strong>
+              （USDT/USDC）。OKX 永续与期权均在交易账户，无单独期权资金/期权交易账户。
+            </p>
+          </RulesFold>
+
           <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>
@@ -1130,11 +1142,7 @@ export default function SettingsPage() {
 
           <section className="settings-section">
             <h3>账户划转</h3>
-            <p className="meta" style={{ marginTop: 0 }}>
+            <div className="settings-xfer-row">
-              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
@@ -1153,12 +1161,14 @@ export default function SettingsPage() {
                 <select
                   id="xferFrom"
                   value={xferFrom}
-                  onChange={(e) => setXferFrom(e.target.value)}
+                  onChange={(e) => {
+                    const v = e.target.value === "trading" ? "trading" : "funding";
+                    setXferFrom(v);
+                    setXferTo(v === "funding" ? "trading" : "funding");
+                  }}
                 >
                   <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">
@@ -1166,12 +1176,14 @@ export default function SettingsPage() {
                 <select
                   id="xferTo"
                   value={xferTo}
-                  onChange={(e) => setXferTo(e.target.value)}
+                  onChange={(e) => {
+                    const v = e.target.value === "trading" ? "trading" : "funding";
+                    setXferTo(v);
+                    setXferFrom(v === "funding" ? "trading" : "funding");
+                  }}
                 >
                   <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">
@@ -1185,8 +1197,7 @@ export default function SettingsPage() {
                   onChange={(e) => setXferAmt(Number(e.target.value))}
                 />
               </div>
-            </div>
+              <div className="settings-xfer-action">
-            <div className="settings-actions">
                 <button
                   className="btn"
                   type="button"
@@ -1216,12 +1227,13 @@ export default function SettingsPage() {
                   划转
                 </button>
               </div>
+            </div>
           </section>
         </div>
       ) : null}
 
       {tab === "account" ? (
-        <div className="card settings-card settings-card-narrow">
+        <div className="card settings-card">
           {err ? <div className="err">{err}</div> : null}
           {ok ? <div className="settings-ok">{ok}</div> : null}
           <form onSubmit={onSaveCreds} className="settings-account-form">

frontend/src/styles/app.css

@@ -1118,18 +1118,19 @@ input {
   border-color: rgba(240, 185, 11, 0.55);
 }
 
-/* Settings: ultrawide + tablet */
+/* Settings: 与顶栏资金卡同宽（由 .app-container 约束） */
 .settings-page {
   width: 100%;
-  max-width: 1200px;
+  max-width: none;
 }
 
 .settings-card {
   width: 100%;
+  max-width: none;
 }
 
 .settings-card-narrow {
-  max-width: 640px;
+  max-width: none;
 }
 
 .settings-lead {
@@ -1280,15 +1281,39 @@ input {
 }
 
 @media (min-width: 1100px) {
-  .settings-page {
-    max-width: 1320px;
-  }
-
   .settings-fields {
     grid-template-columns: repeat(3, minmax(0, 1fr));
   }
 }
 
+.settings-xfer-row {
+  display: grid;
+  grid-template-columns: repeat(4, minmax(0, 1fr)) auto;
+  gap: 12px 14px;
+  align-items: end;
+}
+
+.settings-xfer-row .field {
+  margin-bottom: 0;
+  min-width: 0;
+}
+
+.settings-xfer-action {
+  display: flex;
+  align-items: flex-end;
+  padding-bottom: 1px;
+}
+
+@media (max-width: 900px) {
+  .settings-xfer-row {
+    grid-template-columns: repeat(2, minmax(0, 1fr));
+  }
+
+  .settings-xfer-action {
+    grid-column: 1 / -1;
+  }
+}
+
 @media (max-width: 699px) {
   .settings-fields .field {
     margin-bottom: 14px;