diff --git a/app/Jobs/AiBaccaratBetJob.php b/app/Jobs/AiBaccaratBetJob.php
index 91f1f19..fa8eec3 100644
--- a/app/Jobs/AiBaccaratBetJob.php
+++ b/app/Jobs/AiBaccaratBetJob.php
@@ -316,19 +316,17 @@ class AiBaccaratBetJob implements ShouldQueue
     private function manageFinances(User $user, ChatStateService $chatState): void
     {
         // 1. 检查是否有“买单”活动补偿可领取 (jjb 较低时优先领取)
-        if ($user->jjb < 20000) {
-            $lossCoverService = app(\App\Services\BaccaratLossCoverService::class);
-            $pendingEvents = \App\Models\BaccaratLossCoverEvent::where('status', 'claimable')->get();
-            foreach ($pendingEvents as $event) {
-                $record = \App\Models\BaccaratLossCoverRecord::where('event_id', $event->id)
-                    ->where('user_id', $user->id)
-                    ->where('claim_status', 'pending')
-                    ->first();
+        $lossCoverService = app(\App\Services\BaccaratLossCoverService::class);
+        $pendingEvents = \App\Models\BaccaratLossCoverEvent::where('status', 'claimable')->get();
+        foreach ($pendingEvents as $event) {
+            $record = \App\Models\BaccaratLossCoverRecord::where('event_id', $event->id)
+                ->where('user_id', $user->id)
+                ->where('claim_status', 'pending')
+                ->first();
 
-                if ($record && $record->compensation_amount > 0) {
-                    $lossCoverService->claim($event, $user);
-                    Log::info("AI小班长自动领取活动补偿: Event #{$event->id}, Amount: {$record->compensation_amount}");
-                }
+            if ($record && $record->compensation_amount > 0) {
+                $lossCoverService->claim($event, $user);
+                Log::info("AI小班长自动领取活动补偿: Event #{$event->id}, Amount: {$record->compensation_amount}");
             }
         }
 
@@ -338,8 +336,8 @@ class AiBaccaratBetJob implements ShouldQueue
         $currentBank = (int) $user->bank_jjb;
 
         // 如果手上金币超过 10万，且存款未达 3000万，则进行存款
-        if ($user->jjb > 100000 && $currentBank < $bankTarget2) {
-            $depositAmount = $user->jjb - 50000; // 留 5万在手上作为本金
+        if ($user->jjb > 1000000 && $currentBank < $bankTarget2) {
+            $depositAmount = $user->jjb - 500000; // 留 5万在手上作为本金
 
             // 如果存款快到目标了，按需存入
             if ($currentBank < $bankTarget1 && ($currentBank + $depositAmount) > $bankTarget1) {