diff --git a/src/components/AdjustBalanceModals.tsx b/src/components/AdjustBalanceModals.tsx
index 8c287b7..c9e0d26 100644
--- a/src/components/AdjustBalanceModals.tsx
+++ b/src/components/AdjustBalanceModals.tsx
@@ -3,7 +3,7 @@
 // 调金币 / 调现金弹窗(受控)。列表页与用户详情页共用,避免两处各写一套。
 // 每个弹窗自带「增减 / 设为指定值」两种模式;打开时拉一次 360 概览展示当前余额。
 import { useEffect, useState } from 'react';
-import { App, Form, Input, InputNumber, Modal, Segmented } from 'antd';
+import { App, Form, Input, InputNumber, Modal, Radio, Segmented } from 'antd';
 import { api, errMsg } from '@/lib/api';
 import { yuan } from '@/lib/format';
 import type { UserOverview } from '@/lib/types';
@@ -17,15 +17,19 @@ interface ModalProps {
   onDone?: () => void; // 调整成功后回调(刷新余额/列表)
 }
 
-const balanceLine = (balances: { coin: number; cashCents: number } | null) => (
+type Balances = { coin: number; cashCents: number; inviteCashCents: number };
+
+const balanceLine = (balances: Balances | null) => (
   <p style={{ color: '#888', marginBottom: 12 }}>
-    当前余额:金币 {balances ? balances.coin : '…'} ｜ 现金 {balances ? yuan(balances.cashCents) : '…'}
+    当前余额:金币 {balances ? balances.coin : '…'} ｜ 现金(金币兑现金){' '}
+    {balances ? yuan(balances.cashCents) : '…'} ｜ 邀请奖励金{' '}
+    {balances ? yuan(balances.inviteCashCents) : '…'}
   </p>
 );
 
 // 弹窗打开时拉一次该用户余额;用户切换/关闭时丢弃过期响应(alive 标记防竞态)。
 function useBalances(userId: number | undefined, open: boolean) {
-  const [balances, setBalances] = useState<{ coin: number; cashCents: number } | null>(null);
+  const [balances, setBalances] = useState<Balances | null>(null);
   useEffect(() => {
     if (!open || userId == null) {
       setBalances(null);
@@ -36,7 +40,12 @@ function useBalances(userId: number | undefined, open: boolean) {
     api
       .get<UserOverview>(`/admin/api/users/${userId}`)
       .then((r) => {
-        if (alive) setBalances({ coin: r.data.coin_balance, cashCents: r.data.cash_balance_cents });
+        if (alive)
+          setBalances({
+            coin: r.data.coin_balance,
+            cashCents: r.data.cash_balance_cents,
+            inviteCashCents: r.data.invite_cash_balance_cents,
+          });
       })
       .catch(() => {});
     return () => {
@@ -113,39 +122,39 @@ export function AdjustCoinModal({ user, open, onClose, onDone }: ModalProps) {
 export function AdjustCashModal({ user, open, onClose, onDone }: ModalProps) {
   const { message } = App.useApp();
   const [form] = Form.useForm();
-  const [mode, setMode] = useState<'delta' | 'set'>('delta');
+  // 操作方式改为表单必选项(无默认、手动选);用 watch 驱动金额栏文案/最小值
+  const mode = Form.useWatch('mode', form) as 'delta' | 'set' | undefined;
   const balances = useBalances(user?.id, open);
 
   useEffect(() => {
-    if (open) {
-      setMode('delta');
-      form.resetFields();
-    }
+    if (open) form.resetFields(); // 目标账户 / 操作方式 都重置为「未选」
   }, [open, form]);
 
   // 输入元,×100 转分后调后端(主要给无现金用户发钱直接测试提现)
   const submit = async () => {
     if (!user) return;
-    const v = await form.validateFields();
+    const v = await form.validateFields(); // 任一必填/必选缺失 → 该项下方红字 + 阻断提交
     const amountCents = Math.round(Number(v.amount_yuan) * 100);
-    if (mode === 'delta' && amountCents === 0) {
+    if (v.mode === 'delta' && amountCents === 0) {
       message.warning('金额不能为 0(且不小于 1 分)');
       return;
     }
-    if (mode === 'set' && amountCents < 0) {
+    if (v.mode === 'set' && amountCents < 0) {
       message.warning('目标金额不能为负');
       return;
     }
+    const acctName = v.account === 'invite_cash' ? '邀请奖励金' : '现金';
     try {
       await api.post(`/admin/api/users/${user.id}/cash`, {
-        mode,
+        account: v.account,
+        mode: v.mode,
         amount_cents: amountCents,
         reason: v.reason,
       });
       message.success(
-        mode === 'set'
-          ? `已设为 ¥${(amountCents / 100).toFixed(2)} 现金`
-          : `已${amountCents > 0 ? '发放' : '扣减'} ¥${(Math.abs(amountCents) / 100).toFixed(2)} 现金`,
+        v.mode === 'set'
+          ? `已设为 ¥${(amountCents / 100).toFixed(2)} ${acctName}`
+          : `已${amountCents > 0 ? '发放' : '扣减'} ¥${(Math.abs(amountCents) / 100).toFixed(2)} ${acctName}`,
       );
       onClose();
       onDone?.();
@@ -164,10 +173,20 @@ export function AdjustCashModal({ user, open, onClose, onDone }: ModalProps) {
     >
       {balanceLine(balances)}
       <Form form={form} layout="vertical">
-        <Form.Item label="操作方式">
-          <Segmented
-            value={mode}
-            onChange={(v) => setMode(v as 'delta' | 'set')}
+        <Form.Item name="account" label="目标账户" rules={[{ required: true, message: '请选择目标账户' }]}>
+          <Radio.Group
+            optionType="button"
+            buttonStyle="solid"
+            options={[
+              { label: '金币兑现金账户', value: 'coin_cash' },
+              { label: '邀请账户', value: 'invite_cash' },
+            ]}
+          />
+        </Form.Item>
+        <Form.Item name="mode" label="操作方式" rules={[{ required: true, message: '请选择操作方式' }]}>
+          <Radio.Group
+            optionType="button"
+            buttonStyle="solid"
             options={[
               { label: '增减', value: 'delta' },
               { label: '设为指定值', value: 'set' },
@@ -182,7 +201,7 @@ export function AdjustCashModal({ user, open, onClose, onDone }: ModalProps) {
               : '现金变动(元,正=发放,负=扣减;不可扣成负)'
           }
           rules={[
-            { required: true },
+            { required: true, message: '请输入现金变动金额' },
             ...(mode === 'set' ? [{ type: 'number' as const, min: 0, message: '目标值不能为负' }] : []),
           ]}
         >
@@ -194,7 +213,7 @@ export function AdjustCashModal({ user, open, onClose, onDone }: ModalProps) {
             min={mode === 'set' ? 0 : undefined}
           />
         </Form.Item>
-        <Form.Item name="reason" label="原因(入审计)" rules={[{ required: true }]}>
+        <Form.Item name="reason" label="原因(入审计)" rules={[{ required: true, message: '请填写原因' }]}>
           <Input.TextArea rows={2} />
         </Form.Item>
       </Form>
diff --git a/src/lib/types.ts b/src/lib/types.ts
index 5e99d1d..c3a95c9 100644
--- a/src/lib/types.ts
+++ b/src/lib/types.ts
@@ -81,6 +81,7 @@ export interface UserOverview {
   user: UserListItem;
   coin_balance: number;
   cash_balance_cents: number;
+  invite_cash_balance_cents: number; // 邀请奖励金余额(与 cash_balance_cents 物理隔离)
   total_coin_earned: number;
   comparison_total: number;
   comparison_success: number;