diff --git a/scripts/seed_inactivity_cases.py b/scripts/seed_inactivity_cases.py
new file mode 100644
index 0000000..e66e7c6
--- /dev/null
+++ b/scripts/seed_inactivity_cases.py
@@ -0,0 +1,139 @@
+"""人工验证用:按「金币/现金/邀请」排列组合 + 活跃/新用户对照,造一批账号。
+
+用法(仓库根目录,venv 解释器):
+    .venv/Scripts/python.exe scripts/seed_inactivity_cases.py          # 造号(会先清掉上次 vcase*)
+    .venv/Scripts/python.exe scripts/seed_inactivity_cases.py --clean  # 只清理,不造
+
+配合默认配置 INACTIVITY_RESET_DAYS=15 / INACTIVITY_WARN_DAYS_BEFORE=7,2 验证。
+造完把 worker 打开(见 README/对话里的 .env),启动服务即会在 RUN_HOUR 后跑一轮。
+
+⚠️ worker 清零针对**库里所有**符合条件的用户,不止 vcase*——dev 库里若有其它"老且有余额、
+无近期活跃事件"的用户,也会被一起清。要干净验证建议用一个空/副本 dev 库。
+"""
+from __future__ import annotations
+
+import os
+import sys
+from datetime import UTC, datetime, timedelta
+
+sys.path.insert(0, os.path.dirname(os.path.dirname(os.path.abspath(__file__))))
+
+from sqlalchemy import delete, select  # noqa: E402
+
+from app.db.session import SessionLocal  # noqa: E402
+from app.models.analytics_event import AnalyticsEvent  # noqa: E402
+from app.models.inactivity import (  # noqa: E402
+    InactivityNotificationLog,
+    InactivityResetLog,
+)
+from app.models.user import User  # noqa: E402
+from app.models.wallet import (  # noqa: E402
+    CashTransaction,
+    CoinAccount,
+    CoinTransaction,
+    InviteCashTransaction,
+)
+from app.repositories import wallet as wallet_repo  # noqa: E402
+
+MARK = "vcase"  # username 前缀,用于清理
+
+# label, 创建于N天前, coin, cash, invite, 近期事件(N天前)or None, 预期
+CASES = [
+    ("1 三桶全有",        30, 100, 200, 300, None, "清 coin+cash;invite=300 保留;审计1行+2流水"),
+    ("2 金币+现金",       30, 100, 200,   0, None, "清 coin+cash;审计1行+2流水"),
+    ("3 金币+邀请",       30, 100,   0, 300, None, "清 coin;invite=300 保留;审计1行+1流水"),
+    ("4 现金+邀请",       30,   0, 200, 300, None, "清 cash;invite=300 保留;审计1行+1流水"),
+    ("5 只有金币",        30, 100,   0,   0, None, "清 coin;审计1行+1流水"),
+    ("6 只有现金",        30,   0, 200,   0, None, "清 cash;审计1行+1流水"),
+    ("7 只有邀请(红线)",  30,   0,   0, 300, None, "不选中/不清/无审计/无流水;invite=300 原封"),
+    ("8 预警窗(10天)",    10,  50,  60,  70, None, "不清;发 T-7 预警;notification_log 1行;余额不动"),
+    ("9 活跃兜底",        30, 100, 200, 300,    1, "昨日 home_view→last_active 近→不清不警"),
+    ("10 新用户(3天)",     3, 100, 200,   0, None, "created_at 近→不清不警"),
+]
+
+
+def _mark_uids(db) -> list[int]:
+    return list(db.execute(select(User.id).where(User.username.like(f"{MARK}%"))).scalars())
+
+
+def clean(db) -> int:
+    uids = _mark_uids(db)
+    if uids:
+        for model in (
+            InactivityResetLog, InactivityNotificationLog,
+            CoinTransaction, CashTransaction, InviteCashTransaction,
+            AnalyticsEvent, CoinAccount,
+        ):
+            db.execute(delete(model).where(model.user_id.in_(uids)))
+        db.execute(delete(User).where(User.id.in_(uids)))
+        db.commit()
+    return len(uids)
+
+
+def seed(db) -> None:
+    now = datetime.now(UTC)
+    print(f"{'#':>3} {'uid':>5}  {'案例':<16} {'coin/cash/invite':<18} {'创建':<7} 预期")
+    for i, (label, days_ago, coin, cash, invite, ev_days, expected) in enumerate(CASES, 1):
+        u = User(
+            phone=f"seed_tmp_{i}", username=f"{MARK}{i}", status="active",
+            created_at=now - timedelta(days=days_ago),
+            last_login_at=now,  # 登录很新——但登录不算活跃,清零该发生照发生
+        )
+        db.add(u)
+        db.flush()                       # 拿自增 id
+        u.phone = f"1{u.id:010d}"         # 用全局唯一 id 拼 "100…" 段手机号,dev 库里绝不撞
+        acc = wallet_repo.get_or_create_account(db, u.id, commit=False)
+        acc.coin_balance, acc.cash_balance_cents, acc.invite_cash_balance_cents = coin, cash, invite
+        acc.total_coin_earned = coin
+        if ev_days is not None:
+            db.add(AnalyticsEvent(
+                event="home_view", device_id=MARK, user_id=u.id,
+                client_ts=0, created_at=now - timedelta(days=ev_days),
+            ))
+        db.flush()
+        print(f"{i:>3} {u.id:>5}  {label:<16} {f'{coin}/{cash}/{invite}':<18} {f'{days_ago}天前':<7} {expected}")
+    db.commit()
+
+
+def check(db) -> None:
+    """worker 跑完后:打印每个 vcase 账号的当前三桶余额 + 是否有审计/预警行。"""
+    rows = db.execute(
+        select(User.id, User.username).where(User.username.like(f"{MARK}%")).order_by(User.id)
+    ).all()
+    if not rows:
+        print("没有 vcase* 账号(先跑一次不带参数造号)")
+        return
+    print(f"{'uid':>5} {'账号':<8} {'coin/cash/invite(现在)':<24} {'审计':<5} 预警")
+    for uid, uname in rows:
+        acc = db.get(CoinAccount, uid)
+        bal = f"{acc.coin_balance}/{acc.cash_balance_cents}/{acc.invite_cash_balance_cents}" if acc else "—"
+        has_reset = db.execute(
+            select(InactivityResetLog.id).where(InactivityResetLog.user_id == uid).limit(1)
+        ).first()
+        stages = db.execute(
+            select(InactivityNotificationLog.stage).where(InactivityNotificationLog.user_id == uid)
+        ).scalars().all()
+        warn = ",".join(f"T-{s}" for s in stages) if stages else "—"
+        print(f"{uid:>5} {uname:<8} {bal:<24} {'有' if has_reset else '—':<5} {warn}")
+
+
+def main() -> None:
+    db = SessionLocal()
+    try:
+        if "--check" in sys.argv:
+            check(db)
+            return
+        removed = clean(db)
+        if removed:
+            print(f"已清理上次 {removed} 个 {MARK}* 账号")
+        if "--clean" in sys.argv:
+            return
+        seed(db)
+        print("\n造号完成。打开 worker(INACTIVITY_RESET_ENABLED=true, RUN_HOUR=17)后启动服务,"
+              "≥17:00 首个 tick 即跑一轮。验完 `--clean` 清理。")
+    finally:
+        db.close()
+
+
+if __name__ == "__main__":
+    main()