diff --git a/app/Jobs/AiBaccaratBetJob.php b/app/Jobs/AiBaccaratBetJob.php
index 33441a6..80e7fef 100644
--- a/app/Jobs/AiBaccaratBetJob.php
+++ b/app/Jobs/AiBaccaratBetJob.php
@@ -75,8 +75,8 @@ class AiBaccaratBetJob implements ShouldQueue
         $minBet = (int) ($config['min_bet'] ?? 100);
         $maxBet = (int) ($config['max_bet'] ?? 50000);
 
-        // 至少保留 5000 金币底仓（随着目标提升，底仓也适当调高）
-        $reserve = ($user->bank_jjb >= 10000000) ? 20000 : 5000;
+        // 至少保留 50万 金币底仓（确保有充足资金参与多轮下注）
+        $reserve = 500000;
         $availableGold = ($user->jjb ?? 0) - $reserve;
         if ($availableGold < $minBet) {
             return; // 资金不足以支撑最小下注