diff --git a/app/(admin)/settings/admin-settings-client.tsx b/app/(admin)/settings/admin-settings-client.tsx
index d8a850a74..3e17927ef 100644
--- a/app/(admin)/settings/admin-settings-client.tsx
+++ b/app/(admin)/settings/admin-settings-client.tsx
@@ -73,6 +73,14 @@ import {
   normalizeMembershipConfig,
   normalizeMembershipUserOverrides,
 } from "@/lib/membership/config";
+import {
+  defaultPointsPackages,
+  defaultPointsSystemConfig,
+  normalizePointsPackages,
+  normalizePointsSystemConfig,
+  type PointsPackage,
+  type PointsSystemConfig,
+} from "@/lib/points/config";
 
 const fetcher = (url: string) => fetch(url).then((res) => res.json());
 
@@ -85,6 +93,8 @@ type User = {
   role: "guest" | "regular" | "admin";
   isActive: boolean;
   monthlyImageLimit: number | null;
+  pointsBalance: number;
+  pointsGiftedTotal: number;
   createdAt: string;
 };
 
@@ -119,6 +129,7 @@ type ImageGenConfig = {
   supportsNegativePrompt?: boolean; // 是否支持反向提示词
   supportsWatermark?: boolean;  // 是否支持水印开关
   supportsSeed?: boolean;       // 是否支持随机种子
+  creditCostPerImage?: number;  // 每张图片积分消耗
   enableLoadingPlaceholder?: boolean; // 是否启用加载占位图
   loadingColor?: string;        // 占位图主题色，如 "purple", "blue", "green"
 };
@@ -178,6 +189,8 @@ type SiteSettings = {
   canvasAutoModeDefaultModelId: string | null;
   lovartComposerPrefix: string;
   lovartComposerPreviewTexts: string[];
+  pointsSystemConfig: PointsSystemConfig;
+  pointsPackages: PointsPackage[];
   lovartPromoText: string;
   lovartPromoActionText: string;
   lovartHeroTitle: string;
@@ -316,6 +329,7 @@ export function AdminSettingsClient() {
   const [userSearch, setUserSearch] = useState("");
   const [userPage, setUserPage] = useState(1);
   const [userLimit] = useState(10);
+  const [giftPointsDraftByUser, setGiftPointsDraftByUser] = useState<Record<string, string>>({});
   
   // 批量设置出图限额状态
   const [showBatchLimitDialog, setShowBatchLimitDialog] = useState(false);
@@ -415,6 +429,8 @@ export function AdminSettingsClient() {
       "帮我把这张产品图做成高级电商海报",
       "基于参考图延展 3 套同风格方案",
     ],
+    pointsSystemConfig: defaultPointsSystemConfig,
+    pointsPackages: defaultPointsPackages,
     lovartPromoText: "现在升级，立享 Kling 3.0 与 Nano Banana Pro，最高 5 折优惠",
     lovartPromoActionText: "立即升级",
     lovartHeroTitle: "由壹点AI 让设计更简单",
@@ -430,6 +446,9 @@ export function AdminSettingsClient() {
   const [membershipOverridesDraft, setMembershipOverridesDraft] = useState(
     JSON.stringify(defaultMembershipUserOverrides, null, 2)
   );
+  const [pointsPackagesDraft, setPointsPackagesDraft] = useState(
+    JSON.stringify(defaultPointsPackages, null, 2)
+  );
 
   useEffect(() => {
     if (siteSettingsData) {
@@ -439,6 +458,12 @@ export function AdminSettingsClient() {
       const normalizedMembershipOverrides = normalizeMembershipUserOverrides(
         (siteSettingsData as any).membershipUserOverrides
       );
+      const normalizedPointsSystemConfig = normalizePointsSystemConfig(
+        (siteSettingsData as any).pointsSystemConfig
+      );
+      const normalizedPointsPackages = normalizePointsPackages(
+        (siteSettingsData as any).pointsPackages
+      );
 
       setSiteSettings({
         siteName: siteSettingsData.siteName || "AI Chatbot",
@@ -476,6 +501,8 @@ export function AdminSettingsClient() {
               "帮我把这张产品图做成高级电商海报",
               "基于参考图延展 3 套同风格方案",
             ],
+        pointsSystemConfig: normalizedPointsSystemConfig,
+        pointsPackages: normalizedPointsPackages,
         lovartPromoText:
           siteSettingsData.lovartPromoText ||
           "现在升级，立享 Kling 3.0 与 Nano Banana Pro，最高 5 折优惠",
@@ -491,6 +518,7 @@ export function AdminSettingsClient() {
       });
       setMembershipConfigDraft(JSON.stringify(normalizedMembershipConfig, null, 2));
       setMembershipOverridesDraft(JSON.stringify(normalizedMembershipOverrides, null, 2));
+      setPointsPackagesDraft(JSON.stringify(normalizedPointsPackages, null, 2));
     }
   }, [siteSettingsData]);
 
@@ -864,6 +892,7 @@ export function AdminSettingsClient() {
       supportsNegativePrompt: false,
       supportsWatermark: false,
       supportsSeed: false,
+      creditCostPerImage: 0,
       enableLoadingPlaceholder: true,
       loadingColor: "purple",
     } as ImageGenConfig,
@@ -942,6 +971,32 @@ export function AdminSettingsClient() {
     }
   };
 
+  const handleGiftPoints = async (userId: string) => {
+    const rawValue = giftPointsDraftByUser[userId] || "";
+    const points = Number.parseInt(rawValue, 10);
+    if (!Number.isFinite(points) || points <= 0) {
+      toast.error("请输入有效的赠送积分（大于 0）");
+      return;
+    }
+
+    try {
+      const response = await fetch("/api/admin/users", {
+        method: "PATCH",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify({ id: userId, giftPoints: points }),
+      });
+      const data = await response.json();
+      if (!response.ok) {
+        throw new Error(data?.message || data?.error || "赠送失败");
+      }
+      toast.success(`已赠送 ${points} 积分`);
+      setGiftPointsDraftByUser((prev) => ({ ...prev, [userId]: "" }));
+      mutateUsers();
+    } catch (error) {
+      toast.error(error instanceof Error ? error.message : "赠送积分失败");
+    }
+  };
+
   const handleDeleteUser = async (userId: string) => {
     if (!confirm("确定要删除此用户吗？")) return;
     try {
@@ -988,6 +1043,7 @@ export function AdminSettingsClient() {
     try {
       let parsedMembershipConfig: ReturnType<typeof normalizeMembershipConfig>;
       let parsedMembershipOverrides: ReturnType<typeof normalizeMembershipUserOverrides>;
+      let parsedPointsPackages: ReturnType<typeof normalizePointsPackages>;
 
       try {
         parsedMembershipConfig = normalizeMembershipConfig(
@@ -1007,10 +1063,18 @@ export function AdminSettingsClient() {
         return;
       }
 
+      try {
+        parsedPointsPackages = normalizePointsPackages(JSON.parse(pointsPackagesDraft));
+      } catch {
+        toast.error("积分套餐 JSON 格式错误，请检查后再保存");
+        return;
+      }
+
       const payload = {
         ...siteSettings,
         membershipConfig: parsedMembershipConfig,
         membershipUserOverrides: parsedMembershipOverrides,
+        pointsPackages: parsedPointsPackages,
       };
 
       const response = await fetch("/api/site-settings", {
@@ -1022,6 +1086,7 @@ export function AdminSettingsClient() {
       setSiteSettings(payload);
       setMembershipConfigDraft(JSON.stringify(parsedMembershipConfig, null, 2));
       setMembershipOverridesDraft(JSON.stringify(parsedMembershipOverrides, null, 2));
+      setPointsPackagesDraft(JSON.stringify(parsedPointsPackages, null, 2));
       toast.success("网站设置保存成功");
       mutateSiteSettings();
     } catch (error) {
@@ -1488,6 +1553,7 @@ export function AdminSettingsClient() {
         supportsNegativePrompt: false,
         supportsWatermark: false,
         supportsSeed: false,
+        creditCostPerImage: 0,
         enableLoadingPlaceholder: true,
         loadingColor: "purple",
       },
@@ -1729,6 +1795,10 @@ export function AdminSettingsClient() {
                       <div className="text-sm text-muted-foreground">
                         月度出图限额: {user.monthlyImageLimit ? `${user.monthlyImageLimit} 张/月` : "无限制"}
                       </div>
+                      <div className="text-sm text-muted-foreground">
+                        剩余积分: {Number(user.pointsBalance || 0).toLocaleString()} | 累计赠送:{" "}
+                        {Number(user.pointsGiftedTotal || 0).toLocaleString()}
+                      </div>
                     </div>
                     <div className="flex items-center gap-2">
                       {/* 配额设置 */}
@@ -1778,6 +1848,33 @@ export function AdminSettingsClient() {
                       >
                         {user.isActive ? "禁用" : "激活"}
                       </Button>
+                      <div className="flex items-center gap-1">
+                        <Input
+                          type="number"
+                          min="1"
+                          placeholder="赠送积分"
+                          className="h-8 w-24 text-xs"
+                          value={giftPointsDraftByUser[user.id] ?? ""}
+                          onChange={(e) =>
+                            setGiftPointsDraftByUser((prev) => ({
+                              ...prev,
+                              [user.id]: e.target.value,
+                            }))
+                          }
+                          onKeyDown={(e) => {
+                            if (e.key === "Enter") {
+                              void handleGiftPoints(user.id);
+                            }
+                          }}
+                        />
+                        <Button
+                          variant="secondary"
+                          size="sm"
+                          onClick={() => handleGiftPoints(user.id)}
+                        >
+                          赠送
+                        </Button>
+                      </div>
                       <Button variant="destructive" size="sm" onClick={() => handleDeleteUser(user.id)}>
                         <Trash2 className="h-4 w-4" />
                       </Button>
@@ -2860,6 +2957,88 @@ export function AdminSettingsClient() {
                   </div>
                 </div>
               </div>
+              <div className="border rounded-lg p-4 space-y-3">
+                <div className="flex items-center justify-between">
+                  <div>
+                    <Label className="text-sm font-medium">积分系统配置</Label>
+                    <div className="text-xs text-muted-foreground mt-1">
+                      可开启按模型扣积分、配置积分套餐；后续接入支付后可直接用于充值。
+                    </div>
+                  </div>
+                  <Button
+                    type="button"
+                    variant="outline"
+                    size="sm"
+                    onClick={() => {
+                      setSiteSettings({
+                        ...siteSettings,
+                        pointsSystemConfig: defaultPointsSystemConfig,
+                      });
+                      setPointsPackagesDraft(JSON.stringify(defaultPointsPackages, null, 2));
+                      toast.success("已恢复积分配置默认模板");
+                    }}
+                  >
+                    恢复默认模板
+                  </Button>
+                </div>
+                <div className="grid grid-cols-1 gap-3 md:grid-cols-2">
+                  <div className="flex items-center justify-between rounded-lg border p-3">
+                    <div className="space-y-0.5">
+                      <Label htmlFor="pointsEnabled">启用积分消耗</Label>
+                      <div className="text-xs text-muted-foreground">
+                        开启后按模型单价和图片张数扣除积分
+                      </div>
+                    </div>
+                    <Switch
+                      id="pointsEnabled"
+                      checked={siteSettings.pointsSystemConfig?.enabled === true}
+                      onCheckedChange={(checked) =>
+                        setSiteSettings({
+                          ...siteSettings,
+                          pointsSystemConfig: {
+                            ...siteSettings.pointsSystemConfig,
+                            enabled: checked,
+                          },
+                        })
+                      }
+                    />
+                  </div>
+                  <div className="flex items-center justify-between rounded-lg border p-3">
+                    <div className="space-y-0.5">
+                      <Label htmlFor="pointsBlockOnInsufficient">余额不足时阻止生图</Label>
+                      <div className="text-xs text-muted-foreground">
+                        开启后积分不足直接返回错误，不执行生图任务
+                      </div>
+                    </div>
+                    <Switch
+                      id="pointsBlockOnInsufficient"
+                      checked={siteSettings.pointsSystemConfig?.blockOnInsufficient !== false}
+                      onCheckedChange={(checked) =>
+                        setSiteSettings({
+                          ...siteSettings,
+                          pointsSystemConfig: {
+                            ...siteSettings.pointsSystemConfig,
+                            blockOnInsufficient: checked,
+                          },
+                        })
+                      }
+                    />
+                  </div>
+                </div>
+                <div className="space-y-2">
+                  <Label htmlFor="pointsPackagesDraft">积分套餐 JSON</Label>
+                  <Textarea
+                    id="pointsPackagesDraft"
+                    value={pointsPackagesDraft}
+                    onChange={(e) => setPointsPackagesDraft(e.target.value)}
+                    rows={8}
+                    className="font-mono text-xs"
+                  />
+                  <div className="text-xs text-muted-foreground">
+                    字段示例：`id`、`name`、`points`、`price`、`currency`、`isEnabled`。
+                  </div>
+                </div>
+              </div>
               <div className="flex items-center justify-between space-x-2 rounded-lg border p-4">
                 <div className="space-y-0.5">
                   <Label htmlFor="showAutoModel">显示"自动"模型选项</Label>
@@ -4366,6 +4545,29 @@ export function AdminSettingsClient() {
                                 />
                                 <p className="text-xs text-muted-foreground">Gemini: 1-2, 阿里: 1-6</p>
                               </div>
+
+                              <div className="space-y-2">
+                                <Label>每张图片积分消耗</Label>
+                                <Input
+                                  type="number"
+                                  min={0}
+                                  step={1}
+                                  value={modelForm.imageGenConfig?.creditCostPerImage ?? 0}
+                                  onChange={(e) => setModelForm({
+                                    ...modelForm,
+                                    imageGenConfig: {
+                                      ...modelForm.imageGenConfig,
+                                      creditCostPerImage: Math.max(
+                                        0,
+                                        Number.parseInt(e.target.value, 10) || 0
+                                      ),
+                                    },
+                                  })}
+                                />
+                                <p className="text-xs text-muted-foreground">
+                                  开启积分系统后，将按“单价 × 实际出图张数”扣除积分。
+                                </p>
+                              </div>
                               
                               <div className="space-y-2">
                                 <Label>占位图颜色主题</Label>
@@ -4501,6 +4703,7 @@ export function AdminSettingsClient() {
                               supportsNegativePrompt: false,
                               supportsWatermark: false,
                               supportsSeed: false,
+                              creditCostPerImage: 0,
                               enableLoadingPlaceholder: true,
                               loadingColor: "purple",
                             },
diff --git a/app/(chat)/api/chat/route.ts b/app/(chat)/api/chat/route.ts
index 8afc65b70..19bcd1d49 100644
--- a/app/(chat)/api/chat/route.ts
+++ b/app/(chat)/api/chat/route.ts
@@ -35,6 +35,8 @@ import {
   createStreamId,
   deleteChatById,
   getChatById,
+  getPointsSystemConfig,
+  getUserById,
   getMessageCountByUserId,
   getMessagesByChatId,
   saveChat,
@@ -45,6 +47,7 @@ import {
   getSubModelsByParentModelId,
   getAiProviderById,
   checkUserImageQuota,
+  consumeUserPoints,
 } from "@/lib/db/queries";
 import { db } from "@/lib/db";
 import type { DBMessage } from "@/lib/db/schema";
@@ -796,6 +799,8 @@ async function saveGeneratedImages(
   const imageRegex = /!\[([^\]]*)\]\(([^)]+)\)/g;
   const matches = [...imageMarkdown.matchAll(imageRegex)];
 
+  let savedImageCount = 0;
+
   for (const match of matches) {
     const altText = match[1] || "";
     const thumbnailUrl = match[2];
@@ -812,11 +817,52 @@ async function saveGeneratedImages(
         prompt,
         modelId,
       });
+      savedImageCount += 1;
       console.log(`[Gallery] Saved image: ${originalUrl.substring(0, 80)}...`);
     } catch (error) {
       console.error("[Gallery] Failed to save image record:", error);
     }
   }
+
+  if (savedImageCount <= 0) return;
+
+  try {
+    const pointsConfig = await getPointsSystemConfig();
+    if (!pointsConfig.enabled) return;
+
+    const isUuidModelId = /^[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12}$/i.test(
+      modelId
+    );
+    if (!isUuidModelId) return;
+
+    const modelConfig = await getAiModelById({ id: modelId });
+    const rawUnitCost = Number((modelConfig as any)?.imageGenConfig?.creditCostPerImage ?? 0);
+    const unitCost = Number.isFinite(rawUnitCost) ? Math.max(0, Math.round(rawUnitCost)) : 0;
+    if (unitCost <= 0) return;
+
+    const totalCost = unitCost * savedImageCount;
+    const consumeResult = await consumeUserPoints({
+      userId,
+      amount: totalCost,
+      reason: "image_generation",
+      modelId,
+      chatId,
+      messageId,
+      note: `模型(${modelConfig?.displayName || modelId}) 生图 ${savedImageCount} 张`,
+    });
+
+    if (!consumeResult.ok) {
+      console.warn(
+        `[Points] Failed to consume points after generation. user=${userId} model=${modelId} cost=${totalCost}`
+      );
+    } else {
+      console.log(
+        `[Points] Consumed ${totalCost} points (${unitCost} x ${savedImageCount}). balance=${consumeResult.balance}`
+      );
+    }
+  } catch (error) {
+    console.error("[Points] Failed to consume points after image generation:", error);
+  }
 }
 
 export const maxDuration = 600; // 10 分钟，用于支持图片编辑等耗时任务
@@ -1601,6 +1647,16 @@ export async function POST(request: Request) {
       (languageModel as any).provider === "alibaba-image" ||
       (languageModel as any).provider === "ruxa-image" ||
       (languageModel as any).provider === "huanke-gemini";
+
+    const isUuidModelId = /^[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12}$/i.test(
+      finalModelId
+    );
+    const currentModelConfig = isUuidModelId
+      ? await getAiModelById({ id: finalModelId }).catch(() => undefined)
+      : undefined;
+    const modelCreditCostPerImage = Number(
+      (currentModelConfig as any)?.imageGenConfig?.creditCostPerImage ?? 0
+    );
     
     if (isImageGenerationModel) {
       const quota = await checkUserImageQuota(session.user.id);
@@ -1619,6 +1675,38 @@ export async function POST(request: Request) {
       }
       
       console.log(`[Chat API] ✅ 图片配额检查通过: ${quota.used}/${quota.limit ?? '无限制'}`);
+
+      const pointsConfig = await getPointsSystemConfig();
+      const normalizedUnitCost = Number.isFinite(modelCreditCostPerImage)
+        ? Math.max(0, Math.round(modelCreditCostPerImage))
+        : 0;
+
+      if (pointsConfig.enabled && normalizedUnitCost > 0 && pointsConfig.blockOnInsufficient !== false) {
+        const requestedImageCount = Math.max(
+          1,
+          Math.round(
+            Number(
+              effectiveImageParams?.imageCount || defaultImageQualityParams.imageCount || 1
+            )
+          )
+        );
+        const expectedCost = normalizedUnitCost * requestedImageCount;
+        const userData = await getUserById({ id: session.user.id });
+        const currentBalance = Math.max(0, Number(userData?.pointsBalance || 0));
+
+        if (currentBalance < expectedCost) {
+          return NextResponse.json(
+            {
+              error: "insufficient_points",
+              message: `积分不足，当前余额 ${currentBalance}，本次预计消耗 ${expectedCost}（${normalizedUnitCost} x ${requestedImageCount} 张）。`,
+              balance: currentBalance,
+              expectedCost,
+              unitCost: normalizedUnitCost,
+            },
+            { status: 402 }
+          );
+        }
+      }
     }
 
     // ========== Gemini 图片生成独立处理 ==========
@@ -1823,7 +1911,7 @@ export async function POST(request: Request) {
                 id,
                 messageId,
                 userPrompt,
-                actualModelId
+                finalModelId
               );
             } catch (saveError) {
               console.error("[Chat API] ❌ Failed to save Gemini message to database:", saveError);
@@ -1922,7 +2010,7 @@ export async function POST(request: Request) {
                       id,
                       messageId,
                       userPrompt,
-                      volcanoModel.model.modelId
+                      volcanoModel.model.id
                     );
                   } catch (saveError) {
                     console.error("[Chat API] Failed to save failover message:", saveError);
@@ -2277,7 +2365,7 @@ export async function POST(request: Request) {
                 id,
                 messageId,
                 userPrompt,
-                usedModelId
+                finalModelId
               );
             } catch (saveError) {
               console.error("[Chat API] ❌ Failed to save Alibaba message:", saveError);
@@ -2624,7 +2712,7 @@ export async function POST(request: Request) {
                 id,
                 messageId,
                 userPrompt,
-                usedModelId
+                finalModelId
               );
             } catch (saveError) {
               console.error("[Chat API] ❌ Failed to save Volcano Vision message to database:", saveError);
@@ -2898,7 +2986,7 @@ export async function POST(request: Request) {
               id,
               messageId,
               userPrompt,
-              actualModelId
+              finalModelId
             );
             return;
           } catch (error) {
diff --git a/app/api/admin/ai-models/route.ts b/app/api/admin/ai-models/route.ts
index 29b6f6ac1..bf4810c7a 100644
--- a/app/api/admin/ai-models/route.ts
+++ b/app/api/admin/ai-models/route.ts
@@ -20,6 +20,7 @@ const imageGenConfigSchema = z.object({
   supportsNegativePrompt: z.boolean().optional(),
   supportsWatermark: z.boolean().optional(),
   supportsSeed: z.boolean().optional(),
+  creditCostPerImage: z.number().min(0).max(100000).optional(),
   enableLoadingPlaceholder: z.boolean().optional(),
   loadingColor: z.string().optional(),
 }).optional();
diff --git a/app/api/admin/users/route.ts b/app/api/admin/users/route.ts
index 621de2d06..5fd78eae7 100644
--- a/app/api/admin/users/route.ts
+++ b/app/api/admin/users/route.ts
@@ -14,6 +14,9 @@ const updateUserSchema = z.object({
   isActive: z.boolean().optional(),
   email: z.string().email().optional(),
   monthlyImageLimit: z.number().int().min(0).nullable().optional(),
+  pointsBalance: z.number().int().min(0).nullable().optional(),
+  giftPoints: z.number().int().min(1).max(100000).optional(),
+  pointsNote: z.string().max(200).optional(),
 });
 
 export async function GET(request: Request) {
@@ -49,9 +52,21 @@ export async function PATCH(request: Request) {
     await requireAdmin();
 
     const body = await request.json();
-    const { id, role, isActive, email, monthlyImageLimit } = updateUserSchema.parse(body);
+    const { id, role, isActive, email, monthlyImageLimit, pointsBalance, giftPoints, pointsNote } =
+      updateUserSchema.parse(body);
 
-    const result = await updateUser({ id, role, isActive, email, monthlyImageLimit });
+    const session = await requireAdmin();
+    const result = await updateUser({
+      id,
+      role,
+      isActive,
+      email,
+      monthlyImageLimit,
+      pointsBalance,
+      giftPoints,
+      pointsNote,
+      operatorId: session.user.id,
+    });
 
     if (result.length === 0) {
       return new ChatSDKError("bad_request:api", "User not found").toResponse();
@@ -90,4 +105,3 @@ export async function DELETE(request: Request) {
     return new ChatSDKError("offline:admin").toResponse();
   }
 }
-
diff --git a/app/api/site-settings/route.ts b/app/api/site-settings/route.ts
index ae906571a..9f10bb220 100644
--- a/app/api/site-settings/route.ts
+++ b/app/api/site-settings/route.ts
@@ -10,6 +10,14 @@ import {
   normalizeMembershipConfig,
   normalizeMembershipUserOverrides,
 } from "@/lib/membership/config";
+import {
+  defaultPointsPackages,
+  defaultPointsSystemConfig,
+  normalizePointsPackages,
+  normalizePointsSystemConfig,
+  POINTS_PACKAGES_KEY,
+  POINTS_SYSTEM_CONFIG_KEY,
+} from "@/lib/points/config";
 
 const HOME_VARIANT_KEY = "home_variant";
 // Historically stored as "home_surprise_categories" but used for the featured gallery categories.
@@ -86,6 +94,8 @@ export async function GET() {
       lovartComposerPrefixSetting,
       membershipConfigSetting,
       membershipOverridesSetting,
+      pointsSystemConfigSetting,
+      pointsPackagesSetting,
     ] = await Promise.all([
       db.select().from(siteSettings).limit(1).then(rows => rows[0]),
       db
@@ -130,6 +140,18 @@ export async function GET() {
         .where(eq(systemSettings.key, MEMBERSHIP_USER_OVERRIDES_KEY))
         .limit(1)
         .then(rows => rows[0]),
+      db
+        .select()
+        .from(systemSettings)
+        .where(eq(systemSettings.key, POINTS_SYSTEM_CONFIG_KEY))
+        .limit(1)
+        .then(rows => rows[0]),
+      db
+        .select()
+        .from(systemSettings)
+        .where(eq(systemSettings.key, POINTS_PACKAGES_KEY))
+        .limit(1)
+        .then(rows => rows[0]),
     ]);
     
     const notification = notificationSetting?.value || { enabled: false, title: "", content: "" };
@@ -145,6 +167,10 @@ export async function GET() {
     const membershipUserOverrides = normalizeMembershipUserOverrides(
       membershipOverridesSetting?.value
     );
+    const pointsSystemConfig = normalizePointsSystemConfig(
+      pointsSystemConfigSetting?.value
+    );
+    const pointsPackages = normalizePointsPackages(pointsPackagesSetting?.value);
     
     // 如果没有设置记录，返回默认值
     const baseSettings = settings || {
@@ -181,6 +207,8 @@ export async function GET() {
         lovartComposerPreviewTexts,
         membershipConfig,
         membershipUserOverrides,
+        pointsSystemConfig,
+        pointsPackages,
     };
     
     const response = NextResponse.json({
@@ -198,6 +226,8 @@ export async function GET() {
         lovartComposerPreviewTexts,
         membershipConfig,
         membershipUserOverrides,
+        pointsSystemConfig,
+        pointsPackages,
     });
     
     // 禁用缓存，确保总是获取最新设置
@@ -249,6 +279,8 @@ const updateSchema = z.object({
   lovartComposerPreviewTexts: z.array(z.string().trim().min(1).max(120)).max(20).optional(),
   membershipConfig: z.unknown().optional(),
   membershipUserOverrides: z.unknown().optional(),
+  pointsSystemConfig: z.unknown().optional(),
+  pointsPackages: z.unknown().optional(),
 });
 
 // PUT /api/site-settings - 更新网站设置（仅管理员）
@@ -273,6 +305,8 @@ export async function PUT(request: NextRequest) {
       lovartComposerPreviewTexts,
       membershipConfig,
       membershipUserOverrides,
+      pointsSystemConfig,
+      pointsPackages,
       ...siteSettingsPayload
     } = data;
     
@@ -410,6 +444,46 @@ export async function PUT(request: NextRequest) {
           });
       }
 
+      if (pointsSystemConfig !== undefined) {
+        const normalized = normalizePointsSystemConfig(pointsSystemConfig);
+        await db
+          .insert(systemSettings)
+          .values({
+            key: POINTS_SYSTEM_CONFIG_KEY,
+            value: normalized,
+            updatedAt: new Date(),
+            updatedBy: session.user.id,
+          })
+          .onConflictDoUpdate({
+            target: systemSettings.key,
+            set: {
+              value: normalized,
+              updatedAt: new Date(),
+              updatedBy: session.user.id,
+            },
+          });
+      }
+
+      if (pointsPackages !== undefined) {
+        const normalized = normalizePointsPackages(pointsPackages);
+        await db
+          .insert(systemSettings)
+          .values({
+            key: POINTS_PACKAGES_KEY,
+            value: normalized,
+            updatedAt: new Date(),
+            updatedBy: session.user.id,
+          })
+          .onConflictDoUpdate({
+            target: systemSettings.key,
+            set: {
+              value: normalized,
+              updatedAt: new Date(),
+              updatedBy: session.user.id,
+            },
+          });
+      }
+
       return NextResponse.json({
         ...updated,
         homeVariant: homeVariant ?? normalizeHomeVariant(undefined),
@@ -433,6 +507,14 @@ export async function PUT(request: NextRequest) {
           membershipUserOverrides !== undefined
             ? normalizeMembershipUserOverrides(membershipUserOverrides)
             : defaultMembershipUserOverrides,
+        pointsSystemConfig:
+          pointsSystemConfig !== undefined
+            ? normalizePointsSystemConfig(pointsSystemConfig)
+            : defaultPointsSystemConfig,
+        pointsPackages:
+          pointsPackages !== undefined
+            ? normalizePointsPackages(pointsPackages)
+            : defaultPointsPackages,
       });
     } else {
       // 创建新设置
@@ -591,6 +673,46 @@ export async function PUT(request: NextRequest) {
           });
       }
 
+      if (pointsSystemConfig !== undefined) {
+        const normalized = normalizePointsSystemConfig(pointsSystemConfig);
+        await db
+          .insert(systemSettings)
+          .values({
+            key: POINTS_SYSTEM_CONFIG_KEY,
+            value: normalized,
+            updatedAt: new Date(),
+            updatedBy: session.user.id,
+          })
+          .onConflictDoUpdate({
+            target: systemSettings.key,
+            set: {
+              value: normalized,
+              updatedAt: new Date(),
+              updatedBy: session.user.id,
+            },
+          });
+      }
+
+      if (pointsPackages !== undefined) {
+        const normalized = normalizePointsPackages(pointsPackages);
+        await db
+          .insert(systemSettings)
+          .values({
+            key: POINTS_PACKAGES_KEY,
+            value: normalized,
+            updatedAt: new Date(),
+            updatedBy: session.user.id,
+          })
+          .onConflictDoUpdate({
+            target: systemSettings.key,
+            set: {
+              value: normalized,
+              updatedAt: new Date(),
+              updatedBy: session.user.id,
+            },
+          });
+      }
+
       return NextResponse.json({
         ...created,
         homeVariant: homeVariant ?? normalizeHomeVariant(undefined),
@@ -614,6 +736,14 @@ export async function PUT(request: NextRequest) {
           membershipUserOverrides !== undefined
             ? normalizeMembershipUserOverrides(membershipUserOverrides)
             : defaultMembershipUserOverrides,
+        pointsSystemConfig:
+          pointsSystemConfig !== undefined
+            ? normalizePointsSystemConfig(pointsSystemConfig)
+            : defaultPointsSystemConfig,
+        pointsPackages:
+          pointsPackages !== undefined
+            ? normalizePointsPackages(pointsPackages)
+            : defaultPointsPackages,
       });
     }
   } catch (error) {
diff --git a/app/api/user/membership-summary/route.ts b/app/api/user/membership-summary/route.ts
index c9208dd2b..8a5264752 100644
--- a/app/api/user/membership-summary/route.ts
+++ b/app/api/user/membership-summary/route.ts
@@ -5,6 +5,8 @@ import { db } from "@/lib/db";
 import { systemSettings } from "@/lib/db/schema";
 import {
   checkUserImageQuota,
+  getPointsSystemConfig,
+  getUserById,
   getUserMonthlyImageCount,
 } from "@/lib/db/queries";
 import {
@@ -27,7 +29,7 @@ export async function GET() {
       return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
     }
 
-    const [configSetting, overridesSetting, quota, totalImages] = await Promise.all([
+    const [configSetting, overridesSetting, quota, totalImages, pointsConfig, dbUser] = await Promise.all([
       db
         .select()
         .from(systemSettings)
@@ -42,6 +44,8 @@ export async function GET() {
         .then((rows) => rows[0]),
       checkUserImageQuota(session.user.id),
       getUserMonthlyImageCount(session.user.id),
+      getPointsSystemConfig(),
+      getUserById({ id: session.user.id }),
     ]);
 
     const config = configSetting?.value
@@ -59,11 +63,15 @@ export async function GET() {
     );
     const currentPlan = getMembershipPlanById(config, currentPlanId);
 
-    const currentCredits =
-      quota.remaining !== null ? Math.max(0, quota.remaining) : currentPlan.monthlyCredits;
+    const currentCredits = pointsConfig.enabled
+      ? Math.max(0, Number(dbUser?.pointsBalance || 0))
+      : quota.remaining !== null
+        ? Math.max(0, quota.remaining)
+        : currentPlan.monthlyCredits;
 
     return NextResponse.json({
       config,
+      pointsSystemConfig: pointsConfig,
       currentPlanId,
       currentPlan,
       summary: {
diff --git a/components/home/lovart-home.tsx b/components/home/lovart-home.tsx
index 6fd4bbf29..a3860887d 100644
--- a/components/home/lovart-home.tsx
+++ b/components/home/lovart-home.tsx
@@ -9,6 +9,7 @@ import {
   ArrowRight,
   ArrowUp,
   Bell,
+  Briefcase,
   ChevronDown,
   Clapperboard,
   Folder,
@@ -93,6 +94,15 @@ type ModelOption = {
   supportsImageGen?: boolean;
 };
 
+type NavLink = {
+  id: string;
+  name: string;
+  url: string;
+  order: number;
+  isEnabled: boolean;
+  toolboxGroup: number;
+};
+
 type PublicAuthSettings = {
   isDingTalkEnabled?: boolean;
   isGoogleEnabled?: boolean;
@@ -300,10 +310,19 @@ export function LovartHome({
     models: ModelOption[];
   }>(isAuthenticated ? "/api/models" : null, fetcher);
 
+  const { data: navLinksData } = useSWR<{ links: NavLink[] }>(
+    "/api/nav-links",
+    fetcher
+  );
+
   const { data: siteSettingsData } = useSWR<{
     canvasDefaultModelId?: string | null;
     lovartComposerPrefix?: string | null;
     lovartComposerPreviewTexts?: string[];
+    toolbox1Name?: string | null;
+    toolbox1Enabled?: boolean;
+    toolbox2Name?: string | null;
+    toolbox2Enabled?: boolean;
   }>("/api/site-settings", fetcher);
 
   const { data: authSettingsData } = useSWR<PublicAuthSettings>(
@@ -436,6 +455,22 @@ export function LovartHome({
     return (canvasData?.data || []).length > 4;
   }, [canvasData?.data]);
 
+  const toolbox1Links = useMemo(
+    () =>
+      (navLinksData?.links || [])
+        .filter((link) => (link.toolboxGroup || 1) === 1 && link.isEnabled !== false)
+        .sort((a, b) => a.order - b.order),
+    [navLinksData?.links]
+  );
+
+  const toolbox2Links = useMemo(
+    () =>
+      (navLinksData?.links || [])
+        .filter((link) => link.toolboxGroup === 2 && link.isEnabled !== false)
+        .sort((a, b) => a.order - b.order),
+    [navLinksData?.links]
+  );
+
   const canUseGoogleLogin = Boolean(
     authSettingsData?.isGoogleEnabled && authSettingsData?.isGoogleConfigured
   );
@@ -758,6 +793,23 @@ export function LovartHome({
     projectSectionRef.current?.scrollIntoView({ behavior: "smooth", block: "start" });
   };
 
+  const openNavLink = (url: string) => {
+    const value = String(url || "").trim();
+    if (!value) return;
+
+    if (/^https?:\/\//i.test(value)) {
+      window.open(value, "_blank", "noopener,noreferrer");
+      return;
+    }
+
+    if (value.startsWith("/")) {
+      router.push(value);
+      return;
+    }
+
+    window.open(`https://${value}`, "_blank", "noopener,noreferrer");
+  };
+
   const composerPlaceholder = `${composerFixedPrefix}${typedPreviewText}${
     previewCursorVisible ? " |" : ""
   }`;
@@ -998,6 +1050,68 @@ export function LovartHome({
           >
             <Info className="h-[18px] w-[18px]" />
           </button>
+          {siteSettingsData?.toolbox1Enabled !== false && toolbox1Links.length > 0 ? (
+            <HoverCard openDelay={80} closeDelay={80}>
+              <HoverCardTrigger asChild>
+                <button
+                  type="button"
+                  className="flex h-10 w-10 items-center justify-center rounded-full hover:bg-black/5"
+                  title={siteSettingsData?.toolbox1Name || "工具箱"}
+                >
+                  <Briefcase className="h-[18px] w-[18px]" />
+                </button>
+              </HoverCardTrigger>
+              <HoverCardContent side="right" align="start" className="w-[248px] rounded-2xl p-2">
+                <div className="px-2 pb-1 pt-1 text-xs font-medium text-black/50">
+                  {siteSettingsData?.toolbox1Name || "工具箱"}
+                </div>
+                <div className="space-y-1">
+                  {toolbox1Links.map((link) => (
+                    <button
+                      key={link.id}
+                      type="button"
+                      className="flex w-full items-center justify-between rounded-xl px-3 py-2 text-left text-[13px] text-black/80 hover:bg-black/5"
+                      onClick={() => openNavLink(link.url)}
+                    >
+                      <span className="line-clamp-1">{link.name}</span>
+                      <ArrowRight className="h-3.5 w-3.5 text-black/35" />
+                    </button>
+                  ))}
+                </div>
+              </HoverCardContent>
+            </HoverCard>
+          ) : null}
+          {siteSettingsData?.toolbox2Enabled === true && toolbox2Links.length > 0 ? (
+            <HoverCard openDelay={80} closeDelay={80}>
+              <HoverCardTrigger asChild>
+                <button
+                  type="button"
+                  className="flex h-10 w-10 items-center justify-center rounded-full hover:bg-black/5"
+                  title={siteSettingsData?.toolbox2Name || "工具箱2"}
+                >
+                  <Briefcase className="h-[18px] w-[18px]" />
+                </button>
+              </HoverCardTrigger>
+              <HoverCardContent side="right" align="start" className="w-[248px] rounded-2xl p-2">
+                <div className="px-2 pb-1 pt-1 text-xs font-medium text-black/50">
+                  {siteSettingsData?.toolbox2Name || "工具箱2"}
+                </div>
+                <div className="space-y-1">
+                  {toolbox2Links.map((link) => (
+                    <button
+                      key={link.id}
+                      type="button"
+                      className="flex w-full items-center justify-between rounded-xl px-3 py-2 text-left text-[13px] text-black/80 hover:bg-black/5"
+                      onClick={() => openNavLink(link.url)}
+                    >
+                      <span className="line-clamp-1">{link.name}</span>
+                      <ArrowRight className="h-3.5 w-3.5 text-black/35" />
+                    </button>
+                  ))}
+                </div>
+              </HoverCardContent>
+            </HoverCard>
+          ) : null}
           {user?.type === "admin" ? (
             <button
               type="button"
diff --git a/lib/db/migrations/0035_add_points_system.sql b/lib/db/migrations/0035_add_points_system.sql
new file mode 100644
index 000000000..5a325bdd1
--- /dev/null
+++ b/lib/db/migrations/0035_add_points_system.sql
@@ -0,0 +1,19 @@
+ALTER TABLE "User"
+ADD COLUMN IF NOT EXISTS "pointsBalance" integer NOT NULL DEFAULT 0,
+ADD COLUMN IF NOT EXISTS "pointsGiftedTotal" integer NOT NULL DEFAULT 0;
+
+CREATE TABLE IF NOT EXISTS "PointsLedger" (
+  "id" uuid PRIMARY KEY DEFAULT gen_random_uuid() NOT NULL,
+  "userId" uuid NOT NULL REFERENCES "User"("id") ON DELETE cascade,
+  "amount" integer NOT NULL,
+  "reason" varchar(64) NOT NULL,
+  "modelId" varchar(128),
+  "chatId" uuid,
+  "messageId" uuid,
+  "note" text,
+  "createdBy" uuid REFERENCES "User"("id"),
+  "createdAt" timestamp DEFAULT now() NOT NULL
+);
+
+CREATE INDEX IF NOT EXISTS "points_ledger_user_created_idx"
+ON "PointsLedger" ("userId", "createdAt" DESC);
diff --git a/lib/db/migrations/meta/_journal.json b/lib/db/migrations/meta/_journal.json
index 74333f933..84f0b21ea 100644
--- a/lib/db/migrations/meta/_journal.json
+++ b/lib/db/migrations/meta/_journal.json
@@ -148,6 +148,13 @@
       "when": 1771004300000,
       "tag": "0034_add_toolbox_fields",
       "breakpoints": true
+    },
+    {
+      "idx": 21,
+      "version": "7",
+      "when": 1771150800000,
+      "tag": "0035_add_points_system",
+      "breakpoints": true
     }
   ]
 }
diff --git a/lib/db/queries.ts b/lib/db/queries.ts
index 719d15a38..82a5c244e 100644
--- a/lib/db/queries.ts
+++ b/lib/db/queries.ts
@@ -49,12 +49,18 @@ import {
   authSettings,
   loginToken,
   generatedImage,
+  pointsLedger,
 } from "./schema";
 import { generateHashedPassword } from "./utils";
 import {
   isAiModelAgentAuto,
   withAgentAutoModelFlag,
 } from "./ai-model-flags";
+import {
+  defaultPointsSystemConfig,
+  normalizePointsSystemConfig,
+  POINTS_SYSTEM_CONFIG_KEY,
+} from "../points/config";
 
 // Optionally, if not using email/pass login, you can
 // use the Drizzle adapter for Auth.js / NextAuth
@@ -678,6 +684,8 @@ export async function getAllUsers({
         role: user.role,
         isActive: user.isActive,
         monthlyImageLimit: user.monthlyImageLimit,
+        pointsBalance: user.pointsBalance,
+        pointsGiftedTotal: user.pointsGiftedTotal,
         createdAt: user.createdAt,
         updatedAt: user.updatedAt,
       })
@@ -717,28 +725,60 @@ export async function updateUser({
   role,
   isActive,
   monthlyImageLimit,
+  pointsBalance,
+  giftPoints,
+  pointsNote,
+  operatorId,
 }: {
   id: string;
   email?: string;
   role?: "guest" | "regular" | "admin";
   isActive?: boolean;
   monthlyImageLimit?: number | null;
+  pointsBalance?: number | null;
+  giftPoints?: number;
+  pointsNote?: string;
+  operatorId?: string;
 }) {
   try {
-    const updateData: Record<string, unknown> = { updatedAt: new Date() };
-    if (email !== undefined) updateData.email = email;
-    if (role !== undefined) updateData.role = role;
-    if (isActive !== undefined) updateData.isActive = isActive;
-    if (monthlyImageLimit !== undefined) {
-      // 0 或空转为 null（表示无限制）
-      updateData.monthlyImageLimit = monthlyImageLimit || null;
-    }
+    return await db.transaction(async (tx) => {
+      const updateData: Record<string, unknown> = { updatedAt: new Date() };
+      if (email !== undefined) updateData.email = email;
+      if (role !== undefined) updateData.role = role;
+      if (isActive !== undefined) updateData.isActive = isActive;
+      if (monthlyImageLimit !== undefined) {
+        // 0 或空转为 null（表示无限制）
+        updateData.monthlyImageLimit = monthlyImageLimit || null;
+      }
+      if (pointsBalance !== undefined) {
+        updateData.pointsBalance = Math.max(0, Number(pointsBalance) || 0);
+      }
+      if (giftPoints !== undefined && giftPoints !== 0) {
+        updateData.pointsBalance = sql`GREATEST(0, COALESCE(${user.pointsBalance}, 0) + ${giftPoints})`;
+        updateData.pointsGiftedTotal = sql`GREATEST(0, COALESCE(${user.pointsGiftedTotal}, 0) + ${Math.max(
+          0,
+          giftPoints
+        )})`;
+      }
 
-    return await db
-      .update(user)
-      .set(updateData)
-      .where(eq(user.id, id))
-      .returning();
+      const updatedUsers = await tx
+        .update(user)
+        .set(updateData)
+        .where(eq(user.id, id))
+        .returning();
+
+      if (updatedUsers.length > 0 && giftPoints !== undefined && giftPoints !== 0) {
+        await tx.insert(pointsLedger).values({
+          userId: id,
+          amount: giftPoints,
+          reason: "gift",
+          note: pointsNote || "管理员赠送积分",
+          createdBy: operatorId,
+        });
+      }
+
+      return updatedUsers;
+    });
   } catch (_error) {
     throw new ChatSDKError("bad_request:database", "Failed to update user");
   }
@@ -769,6 +809,72 @@ export async function getSystemSetting({ key }: { key: string }) {
   }
 }
 
+export async function getPointsSystemConfig() {
+  try {
+    const setting = await getSystemSetting({ key: POINTS_SYSTEM_CONFIG_KEY });
+    return setting?.value
+      ? normalizePointsSystemConfig(setting.value)
+      : defaultPointsSystemConfig;
+  } catch (_error) {
+    return defaultPointsSystemConfig;
+  }
+}
+
+export async function consumeUserPoints({
+  userId,
+  amount,
+  reason = "image_generation",
+  modelId,
+  chatId,
+  messageId,
+  note,
+}: {
+  userId: string;
+  amount: number;
+  reason?: string;
+  modelId?: string | null;
+  chatId?: string | null;
+  messageId?: string | null;
+  note?: string;
+}) {
+  if (!Number.isFinite(amount) || amount <= 0) {
+    return { ok: true, balance: null as number | null };
+  }
+
+  try {
+    return await db.transaction(async (tx) => {
+      const updated = await tx
+        .update(user)
+        .set({
+          pointsBalance: sql`${user.pointsBalance} - ${amount}`,
+          updatedAt: new Date(),
+        })
+        .where(and(eq(user.id, userId), gte(user.pointsBalance, amount)))
+        .returning({
+          balance: user.pointsBalance,
+        });
+
+      if (updated.length === 0) {
+        return { ok: false, balance: null as number | null };
+      }
+
+      await tx.insert(pointsLedger).values({
+        userId,
+        amount: -amount,
+        reason,
+        modelId: modelId || null,
+        chatId: chatId || null,
+        messageId: messageId || null,
+        note: note || "图片生成消耗积分",
+      });
+
+      return { ok: true, balance: updated[0]?.balance ?? null };
+    });
+  } catch (_error) {
+    throw new ChatSDKError("bad_request:database", "Failed to consume user points");
+  }
+}
+
 export async function getAllSystemSettings() {
   try {
     return await db.select().from(systemSettings);
@@ -1119,6 +1225,7 @@ interface ImageGenConfig {
   supportsNegativePrompt?: boolean;
   supportsWatermark?: boolean;
   supportsSeed?: boolean;
+  creditCostPerImage?: number;
   enableLoadingPlaceholder?: boolean;
   loadingColor?: string;
 }
diff --git a/lib/db/schema.ts b/lib/db/schema.ts
index cf7740915..b4a2a385a 100644
--- a/lib/db/schema.ts
+++ b/lib/db/schema.ts
@@ -26,12 +26,31 @@ export const user = pgTable("User", {
     .default("regular"),
   isActive: boolean("isActive").notNull().default(true),
   monthlyImageLimit: integer("monthlyImageLimit"), // 每月出图限额，NULL或0表示无限制
+  pointsBalance: integer("pointsBalance").notNull().default(0), // 当前剩余积分
+  pointsGiftedTotal: integer("pointsGiftedTotal").notNull().default(0), // 管理员累计赠送积分
   createdAt: timestamp("createdAt").notNull().defaultNow(),
   updatedAt: timestamp("updatedAt").notNull().defaultNow(),
 });
 
 export type User = InferSelectModel<typeof user>;
 
+export const pointsLedger = pgTable("PointsLedger", {
+  id: uuid("id").primaryKey().notNull().defaultRandom(),
+  userId: uuid("userId")
+    .notNull()
+    .references(() => user.id, { onDelete: "cascade" }),
+  amount: integer("amount").notNull(), // 正数=赠送/充值，负数=消耗
+  reason: varchar("reason", { length: 64 }).notNull(), // gift | image_generation | recharge | adjust
+  modelId: varchar("modelId", { length: 128 }),
+  chatId: uuid("chatId"),
+  messageId: uuid("messageId"),
+  note: text("note"),
+  createdBy: uuid("createdBy").references(() => user.id),
+  createdAt: timestamp("createdAt").notNull().defaultNow(),
+});
+
+export type PointsLedger = InferSelectModel<typeof pointsLedger>;
+
 export const chat = pgTable("Chat", {
   id: uuid("id").primaryKey().notNull().defaultRandom(),
   createdAt: timestamp("createdAt").notNull(),
diff --git a/lib/points/config.ts b/lib/points/config.ts
new file mode 100644
index 000000000..e1db9fd3f
--- /dev/null
+++ b/lib/points/config.ts
@@ -0,0 +1,85 @@
+export const POINTS_SYSTEM_CONFIG_KEY = "points_system_config";
+export const POINTS_PACKAGES_KEY = "points_packages";
+
+export type PointsSystemConfig = {
+  enabled: boolean;
+  blockOnInsufficient: boolean;
+};
+
+export type PointsPackage = {
+  id: string;
+  name: string;
+  points: number;
+  price: number;
+  currency: string;
+  isEnabled: boolean;
+};
+
+export const defaultPointsSystemConfig: PointsSystemConfig = {
+  enabled: false,
+  blockOnInsufficient: true,
+};
+
+export const defaultPointsPackages: PointsPackage[] = [
+  {
+    id: "starter-1000",
+    name: "入门包",
+    points: 1000,
+    price: 9.9,
+    currency: "CNY",
+    isEnabled: true,
+  },
+  {
+    id: "pro-5000",
+    name: "专业包",
+    points: 5000,
+    price: 39.9,
+    currency: "CNY",
+    isEnabled: true,
+  },
+];
+
+export function normalizePointsSystemConfig(value: unknown): PointsSystemConfig {
+  if (!value || typeof value !== "object") {
+    return defaultPointsSystemConfig;
+  }
+
+  const raw = value as Partial<PointsSystemConfig>;
+  return {
+    enabled: raw.enabled === true,
+    blockOnInsufficient: raw.blockOnInsufficient !== false,
+  };
+}
+
+export function normalizePointsPackages(value: unknown): PointsPackage[] {
+  if (!Array.isArray(value)) {
+    return defaultPointsPackages;
+  }
+
+  const normalized = value
+    .map((item, index) => {
+      if (!item || typeof item !== "object") return null;
+      const raw = item as Partial<PointsPackage>;
+      const id = String(raw.id || `package-${index + 1}`).trim();
+      const name = String(raw.name || "").trim();
+      const points = Number(raw.points);
+      const price = Number(raw.price);
+      const currency = String(raw.currency || "CNY").trim().toUpperCase();
+
+      if (!id || !name || !Number.isFinite(points) || points <= 0) return null;
+      if (!Number.isFinite(price) || price < 0) return null;
+
+      return {
+        id: id.slice(0, 64),
+        name: name.slice(0, 64),
+        points: Math.round(points),
+        price: Number(price.toFixed(2)),
+        currency: currency.slice(0, 8) || "CNY",
+        isEnabled: raw.isEnabled !== false,
+      } satisfies PointsPackage;
+    })
+    .filter((item): item is PointsPackage => Boolean(item))
+    .slice(0, 30);
+
+  return normalized.length > 0 ? normalized : defaultPointsPackages;
+}