diff --git a/app/repositories/user.py b/app/repositories/user.py
index 2ff768d..2157cfc 100644
--- a/app/repositories/user.py
+++ b/app/repositories/user.py
@@ -59,6 +59,17 @@ def is_default_nickname(nickname: str | None) -> bool:
     )
 
 
+def apply_wechat_display_identity(
+    user: User, *, wechat_nickname: str | None, wechat_avatar_url: str | None
+) -> None:
+    """§10:用已有账号绑微信时,仅当展示字段仍为默认才用微信昵称/头像替换(两规则独立);
+    自定义(改过昵称/传过头像)则保留。只改内存对象,由调用方 commit。"""
+    if is_default_nickname(user.nickname) and wechat_nickname:
+        user.nickname = wechat_nickname
+    if user.avatar_url is None and wechat_avatar_url:
+        user.avatar_url = wechat_avatar_url
+
+
 def get_user_by_username(db: Session, username: str) -> User | None:
     return db.execute(
         select(User).where(User.username == username)
@@ -105,14 +116,16 @@ def attach_wechat_to_user(
 ) -> User:
     """继续绑定:把微信 openid + 微信源字段并入已存在账号(调用方保证 user.wechat_openid 为空)。
 
-    **只写 wechat_openid / wechat_nickname / wechat_avatar_url,不动展示 nickname/avatar_url**
-    (完整 §10"默认则用微信、改过则保留"规则留 M3)。撞 openid 唯一约束(O 期间被别处绑走,
-    极罕见)时由调用方捕获 IntegrityError 兜底降级为"只登入不绑"。
+    写 wechat_openid / wechat_nickname / wechat_avatar_url,并按 §10 规则回填展示字段:
+    仅当昵称仍为默认值(is_default_nickname)时用微信昵称替换,仅当头像为 null 时用微信头像替换;
+    用户已自定义的展示昵称/头像始终保留,两规则相互独立。
+    撞 openid 唯一约束(O 期间被别处绑走,极罕见)时由调用方捕获 IntegrityError 兜底降级为"只登入不绑"。
     """
     user.wechat_openid = openid
     user.wechat_nickname = wechat_nickname
     user.wechat_avatar_url = wechat_avatar_url
     user.last_login_at = datetime.now(timezone.utc)
+    apply_wechat_display_identity(user, wechat_nickname=wechat_nickname, wechat_avatar_url=wechat_avatar_url)
     db.commit()
     db.refresh(user)
     return user
diff --git a/app/repositories/wallet.py b/app/repositories/wallet.py
index fe1e23e..d4b652c 100644
--- a/app/repositories/wallet.py
+++ b/app/repositories/wallet.py
@@ -20,6 +20,7 @@ from app.core.config import settings
 from app.core.rewards import COIN_PER_CENT, coins_to_cents
 from app.integrations import wxpay
 from app.models.user import User
+from app.repositories.user import apply_wechat_display_identity
 from app.models.wallet import (
     CashTransaction,
     CoinAccount,
@@ -374,6 +375,7 @@ def bind_wechat_openid(db: Session, user_id: int, code: str) -> dict:
     user.wechat_openid = info["openid"]
     user.wechat_nickname = info["nickname"]
     user.wechat_avatar_url = info["avatar_url"]
+    apply_wechat_display_identity(user, wechat_nickname=info["nickname"], wechat_avatar_url=info["avatar_url"])
     db.commit()
     return info
 
diff --git a/tests/test_wechat_conflict.py b/tests/test_wechat_conflict.py
index 7ca6d01..5ba4b84 100644
--- a/tests/test_wechat_conflict.py
+++ b/tests/test_wechat_conflict.py
@@ -178,6 +178,27 @@ def test_rebind_creates_new_account_and_binds_openid(client, monkeypatch) -> Non
     assert r.json()["token"]["user"]["id"] == y["id"]
 
 
+# ===== §10: continue 路径也应用展示身份回填规则 =====
+
+def test_continue_applies_section10(client, monkeypatch) -> None:
+    """§10 via M2 attach 路径: X 是默认昵称+null头像的 sms 账号;
+    continue 绑定微信后,展示昵称/头像应被微信值替换,并体现在响应的 token.user 中。"""
+    phone = "13900139211"
+    _sms_occupy(client, phone)  # 建 X:默认昵称, null avatar
+    body = _occupy_via_conflict(
+        client, monkeypatch, "openid_s10", phone, "devS10"
+    )  # fake_userinfo 默认 nickname="微信昵称", avatar="http://x/a.png"
+
+    r = client.post(
+        "/api/v1/auth/wechat/conflict/continue",
+        json={"conflict_ticket": body["conflict_ticket"], "device_id": "devS10"},
+    )
+    assert r.status_code == 200, r.text
+    user_out = r.json()["token"]["user"]
+    assert user_out["nickname"] == "微信昵称"
+    assert user_out["avatar_url"] == "http://x/a.png"
+
+
 def test_rebind_blocked_within_30_days(client, monkeypatch) -> None:
     """同一手机号 30 天内二次换绑 → 409;占用响应 rebind_available=False。"""
     phone = "13900139302"
diff --git a/tests/test_withdraw.py b/tests/test_withdraw.py
index 55e6a2f..55a978a 100644
--- a/tests/test_withdraw.py
+++ b/tests/test_withdraw.py
@@ -312,6 +312,94 @@ def test_bind_rejects_openid_already_bound(client, monkeypatch) -> None:
     assert r.status_code == 409, r.text
 
 
+# ===== §10 绑微信时展示身份回填规则 =====
+
+def test_bind_replaces_default_nickname_and_null_avatar(client, monkeypatch) -> None:
+    """§10-A: 全默认(昵称=系统默认,头像=null) → 绑微信后两个展示字段都替换为微信值。"""
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {"openid": "openid_s10_a", "nickname": "微信昵称A", "avatar_url": "https://x/a.png", "raw": {}},
+    )
+    token = _login(client, "13800003001")
+    r = client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+    assert r.status_code == 200, r.text
+
+    r = client.get("/api/v1/auth/me", headers=_auth(token))
+    assert r.status_code == 200, r.text
+    body = r.json()
+    assert body["nickname"] == "微信昵称A"
+    assert body["avatar_url"] == "https://x/a.png"
+
+
+def test_bind_keeps_customized_nickname(client, monkeypatch) -> None:
+    """§10-B: 用户已改过昵称 → 绑微信后昵称保留,但 null 头像仍替换为微信头像。"""
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {"openid": "openid_s10_b", "nickname": "微信昵称B", "avatar_url": "https://x/b.png", "raw": {}},
+    )
+    token = _login(client, "13800003002")
+    # 先把昵称改成非默认值
+    r = client.patch(
+        "/api/v1/user/profile", json={"nickname": "我的名字"}, headers=_auth(token)
+    )
+    assert r.status_code == 200, r.text
+
+    r = client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+    assert r.status_code == 200, r.text
+
+    r = client.get("/api/v1/auth/me", headers=_auth(token))
+    body = r.json()
+    assert body["nickname"] == "我的名字"       # 保留自定义昵称
+    assert body["avatar_url"] == "https://x/b.png"  # null 头像被微信头像替换
+
+
+def test_bind_keeps_customized_avatar(client, monkeypatch) -> None:
+    """§10-C: 已有自定义头像 → 绑微信后头像保留,但默认昵称替换为微信昵称。"""
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {"openid": "openid_s10_c", "nickname": "微信昵称C", "avatar_url": "https://x/c.png", "raw": {}},
+    )
+    token = _login(client, "13800003003")
+    phone = "13800003003"
+    # 直接用 DB 给用户写入自定义头像(保持默认昵称)
+    db = SessionLocal()
+    try:
+        user = db.execute(select(User).where(User.phone == phone)).scalar_one()
+        user.avatar_url = "https://custom/av.png"
+        db.commit()
+    finally:
+        db.close()
+
+    r = client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+    assert r.status_code == 200, r.text
+
+    r = client.get("/api/v1/auth/me", headers=_auth(token))
+    body = r.json()
+    assert body["nickname"] == "微信昵称C"           # 默认昵称被替换
+    assert body["avatar_url"] == "https://custom/av.png"  # 自定义头像保留
+
+
+def test_bind_wechat_empty_keeps_default(client, monkeypatch) -> None:
+    """§10-D: 微信侧 nickname/avatar 均为 None → 不覆盖,展示字段维持原默认值。"""
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {"openid": "openid_s10_d", "nickname": None, "avatar_url": None, "raw": {}},
+    )
+    token = _login(client, "13800003004")
+
+    r = client.get("/api/v1/auth/me", headers=_auth(token))
+    original_nickname = r.json()["nickname"]  # 系统分配的默认昵称
+    assert original_nickname.startswith("用户")
+
+    r = client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+    assert r.status_code == 200, r.text
+
+    r = client.get("/api/v1/auth/me", headers=_auth(token))
+    body = r.json()
+    assert body["nickname"] == original_nickname  # 默认昵称不变
+    assert body["avatar_url"] is None             # 头像仍为 null
+
+
 def test_withdraw_reject_refunds(client, monkeypatch) -> None:
     """管理员审核拒绝 → 退回现金 + 单 rejected + 理由写入 fail_reason(用户可见)。"""
     monkeypatch.setattr("app.integrations.wxpay.code_to_userinfo", lambda code: {"openid": "openid_reject", "nickname": None, "avatar_url": None, "raw": {}})