diff --git a/.gitignore b/.gitignore
index f71d6d7..dfee2d2 100644
--- a/.gitignore
+++ b/.gitignore
@@ -17,6 +17,7 @@
 /.agents
 /.codex
 /.hermes
+/.reasonix
 /auth.json
 /node_modules
 /public/build
diff --git a/app/Enums/CurrencySource.php b/app/Enums/CurrencySource.php
index ab03f0d..a9219b2 100644
--- a/app/Enums/CurrencySource.php
+++ b/app/Enums/CurrencySource.php
@@ -164,6 +164,12 @@ enum CurrencySource: string
     /** 猜谜活动奖励 */
     case GAME_REWARD = 'game_reward';
 
+    /** 存入银行（jjb → bank_jjb） */
+    case BANK_DEPOSIT = 'bank_deposit';
+
+    /** 从银行取款（bank_jjb → jjb） */
+    case BANK_WITHDRAW = 'bank_withdraw';
+
     /**
      * 返回该来源的中文名称，用于后台统计展示。
      */
@@ -218,6 +224,8 @@ enum CurrencySource: string
             self::MSG_DECORATION_BUY => '消息装扮购买（旧）',
             self::AVATAR_FRAME_BUY => '头像框购买',
             self::GAME_REWARD => '猜谜活动奖励',
+            self::BANK_DEPOSIT => '存入银行',
+            self::BANK_WITHDRAW => '银行取款',
         };
     }
 }
diff --git a/app/Http/Controllers/BankController.php b/app/Http/Controllers/BankController.php
index 7580423..21e497c 100644
--- a/app/Http/Controllers/BankController.php
+++ b/app/Http/Controllers/BankController.php
@@ -13,9 +13,12 @@
 
 namespace App\Http\Controllers;
 
+use App\Enums\CurrencySource;
 use App\Models\BankLog;
 use App\Models\Sysparam;
 use App\Models\User;
+use App\Models\UserCurrencyLog;
+use App\Services\UserCurrencyService;
 use Illuminate\Http\JsonResponse;
 use Illuminate\Http\Request;
 use Illuminate\Support\Facades\Auth;
@@ -26,6 +29,9 @@ use Illuminate\Support\Facades\DB;
  */
 class BankController extends Controller
 {
+    public function __construct(
+        private readonly UserCurrencyService $currencyService,
+    ) {}
     /**
      * 查询银行余额及最近20条流水记录
      */
@@ -107,7 +113,8 @@ class BankController extends Controller
         }
 
         DB::transaction(function () use ($user, $amount): void {
-            $user->decrement('jjb', $amount);
+            $this->currencyService->change($user, 'gold', -$amount, CurrencySource::BANK_DEPOSIT, "存入银行 {$amount} 金币");
+
             $user->increment('bank_jjb', $amount);
 
             BankLog::create([
@@ -151,7 +158,8 @@ class BankController extends Controller
 
         DB::transaction(function () use ($user, $amount): void {
             $user->decrement('bank_jjb', $amount);
-            $user->increment('jjb', $amount);
+
+            $this->currencyService->change($user, 'gold', $amount, CurrencySource::BANK_WITHDRAW, "取出银行存款 {$amount} 金币");
 
             BankLog::create([
                 'user_id' => $user->id,
diff --git a/app/Services/AiFinanceService.php b/app/Services/AiFinanceService.php
index e05a9c4..b830384 100644
--- a/app/Services/AiFinanceService.php
+++ b/app/Services/AiFinanceService.php
@@ -10,10 +10,13 @@
 
 namespace App\Services;
 
+use App\Enums\CurrencySource;
 use App\Events\MessageSent;
 use App\Jobs\SaveMessageJob;
 use App\Models\BankLog;
 use App\Models\User;
+use App\Models\UserCurrencyLog;
+use App\Services\UserCurrencyService;
 use Illuminate\Support\Facades\DB;
 
 /**
@@ -41,6 +44,7 @@ class AiFinanceService
      */
     public function __construct(
         private readonly ChatStateService $chatState,
+        private readonly UserCurrencyService $currencyService,
     ) {}
 
     /**
@@ -107,15 +111,15 @@ class AiFinanceService
             $depositAmount = $walletGold - self::AVAILABLE_GOLD_RESERVE;
 
             // 只把超过 100 万的部分转入银行，手上保留不高于 100 万的常规活动资金。
-            $lockedUser->jjb = self::AVAILABLE_GOLD_RESERVE;
-            $lockedUser->bank_jjb = $bankBefore + $depositAmount;
-            $lockedUser->save();
+            $this->currencyService->change($lockedUser, 'gold', -$depositAmount, CurrencySource::BANK_DEPOSIT, "自动存入银行 {$depositAmount} 金币");
+
+            $lockedUser->increment('bank_jjb', $depositAmount);
 
             BankLog::create([
                 'user_id' => $lockedUser->id,
                 'type' => 'deposit',
                 'amount' => $depositAmount,
-                'balance_after' => (int) $lockedUser->bank_jjb,
+                'balance_after' => (int) $lockedUser->fresh()->bank_jjb,
             ]);
 
             return array_values(array_filter(
@@ -162,15 +166,15 @@ class AiFinanceService
             }
 
             // 优先把银行金币提回手上，保证 AI 的即时可用余额尽量回到目标线。
-            $lockedUser->jjb = $walletGold + $withdrawAmount;
-            $lockedUser->bank_jjb = $bankGold - $withdrawAmount;
-            $lockedUser->save();
+            $this->currencyService->change($lockedUser, 'gold', $withdrawAmount, CurrencySource::BANK_WITHDRAW, "从银行自动取款 {$withdrawAmount} 金币");
+
+            $lockedUser->decrement('bank_jjb', $withdrawAmount);
 
             BankLog::create([
                 'user_id' => $lockedUser->id,
                 'type' => 'withdraw',
                 'amount' => $withdrawAmount,
-                'balance_after' => (int) $lockedUser->bank_jjb,
+                'balance_after' => (int) $lockedUser->fresh()->bank_jjb,
             ]);
 
             return (int) $lockedUser->jjb >= $targetWalletGold;