diff --git a/app/api/v1/user.py b/app/api/v1/user.py
index 6be689f..dc23388 100644
--- a/app/api/v1/user.py
+++ b/app/api/v1/user.py
@@ -18,6 +18,7 @@ from app.api.deps import CurrentUser, DbSession
 from app.core import media
 from app.repositories import onboarding as onboarding_repo
 from app.repositories import user as user_repo
+from app.repositories import wallet as wallet_repo
 from app.schemas.auth import UserOut
 from app.schemas.user import (
     OkResponse,
@@ -87,6 +88,17 @@ def onboarding_status(
 
 @router.delete("", response_model=OkResponse, summary="注销账号(软删除)")
 def delete_account(user: CurrentUser, db: DbSession) -> OkResponse:
+    # 资金前置校验:注销是软删 + 匿名化,余额一旦留在 deleted 行就锁死(既退不出、新号也
+    # 拿不回)。有可提现现金 / 在审提现单 → 拒绝注销,引导用户先把钱处理掉。
+    # (pending 提现转账已在途、对账 worker 不依赖 user.status 照常到账,故不拦 pending。)
+    if wallet_repo.get_cash_balance_cents(db, user.id) > 0:
+        raise HTTPException(
+            status_code=409, detail="账户还有未提现的现金余额,请先提现后再注销"
+        )
+    if wallet_repo.has_reviewing_withdraw(db, user.id):
+        raise HTTPException(
+            status_code=409, detail="有提现正在审核中,请等审核完成后再注销"
+        )
     media.delete_avatar(user.avatar_url)
     user_repo.soft_delete_account(db, user)
     logger.info("delete account user_id=%d", user.id)
diff --git a/app/repositories/user.py b/app/repositories/user.py
index 33c53ae..7753e33 100644
--- a/app/repositories/user.py
+++ b/app/repositories/user.py
@@ -111,14 +111,27 @@ def set_avatar_url(db: Session, user: User, *, avatar_url: str) -> User:
 
 
 def soft_delete_account(db: Session, user: User) -> None:
-    """注销账号:软删除 + 匿名化。
+    """注销账号:软删除 + 匿名化 + 释放唯一约束/外部绑定。
 
-    把 phone 改成 `deleted_<id>` 释放唯一约束,允许同号码重新注册成全新账号;
+    把 phone 改成 `deleted_<id>` 释放手机号唯一约束,允许同号码重新注册成全新账号;
     清空 PII(昵称/头像),保留行用于审计。status=deleted 后将无法再登录该行
     (登录接口校验 status==active)。
+
+    ⚠️ 注销必须连同释放 user 上其余唯一约束/外部身份,否则 deleted 行永久占着槽位,
+    对应资源再也无法被复用:
+      - wechat_openid: 不清 → 这个微信再也无法被任何账号绑定(提现通道彻底锁死);
+      - invite_code:   不清 → 邀请码槽位被占 + 裸查仍命中死号(发奖已被 bind 的
+        status==active 校验兜住,清掉更干净)。
+    资金安全(未提现现金 / 在审提现单)由调用方 delete_account 端点前置校验,这里只匿名化。
     """
     user.status = "deleted"
     user.phone = f"deleted_{user.id}"
     user.nickname = None
     user.avatar_url = None
+    # 等价"解绑微信":释放 openid 唯一槽 + 清微信昵称头像
+    user.wechat_openid = None
+    user.wechat_nickname = None
+    user.wechat_avatar_url = None
+    # 释放邀请码唯一槽
+    user.invite_code = None
     db.commit()
diff --git a/app/repositories/wallet.py b/app/repositories/wallet.py
index 615f0eb..a38ac88 100644
--- a/app/repositories/wallet.py
+++ b/app/repositories/wallet.py
@@ -340,6 +340,15 @@ def bind_wechat_openid(db: Session, user_id: int, code: str) -> dict:
     return info
 
 
+def get_cash_balance_cents(db: Session, user_id: int) -> int:
+    """只读查现金余额(分)。账户不存在返回 0,**不创建账户**——注销前置校验用,
+    不该给一个即将被删除的用户凭空建一行空账户(get_or_create_account 会建)。"""
+    val = db.execute(
+        select(CoinAccount.cash_balance_cents).where(CoinAccount.user_id == user_id)
+    ).scalar_one_or_none()
+    return val or 0
+
+
 def has_reviewing_withdraw(db: Session, user_id: int) -> bool:
     """用户是否有「待审核(reviewing)」的提现单。
 
diff --git a/tests/test_delete_account.py b/tests/test_delete_account.py
new file mode 100644
index 0000000..464b02c
--- /dev/null
+++ b/tests/test_delete_account.py
@@ -0,0 +1,141 @@
+"""注销账号(DELETE /api/v1/user):软删 + 释放唯一约束 + 资金前置校验。
+
+覆盖:
+  - 干净注销:status=deleted + phone 匿名化 + wechat_openid/invite_code 等唯一槽全部释放
+  - 回归原始 bug:注销释放 openid 后,别的账号能绑同一个微信
+  - 资金前置闸:有可提现现金 / 在审提现单 → 409 拒绝注销,账号不被删
+  - 注销后旧 token 即时失效(status==active 闸)
+"""
+from __future__ import annotations
+
+from sqlalchemy import select
+
+from app.db.session import SessionLocal
+from app.models.user import User
+from app.models.wallet import CoinAccount
+
+
+def _login(client, phone: str) -> str:
+    client.post("/api/v1/auth/sms/send", json={"phone": phone})
+    r = client.post("/api/v1/auth/sms/login", json={"phone": phone, "code": "123456"})
+    assert r.status_code == 200, r.text
+    return r.json()["access_token"]
+
+
+def _auth(token: str) -> dict[str, str]:
+    return {"Authorization": f"Bearer {token}"}
+
+
+def _patch_userinfo(monkeypatch, openid: str) -> None:
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {"openid": openid, "nickname": "微信昵称", "avatar_url": "https://x/a.png", "raw": {}},
+    )
+
+
+def _seed_cash(client, token: str, phone: str, cents: int) -> None:
+    """先访问 /account 触发建账户,再用 DB 直接灌现金余额。"""
+    client.get("/api/v1/wallet/account", headers=_auth(token))
+    db = SessionLocal()
+    try:
+        user = db.execute(select(User).where(User.phone == phone)).scalar_one()
+        acc = db.get(CoinAccount, user.id)
+        acc.cash_balance_cents = cents
+        db.commit()
+    finally:
+        db.close()
+
+
+def _get_user(phone: str) -> User | None:
+    db = SessionLocal()
+    try:
+        return db.execute(select(User).where(User.phone == phone)).scalar_one_or_none()
+    finally:
+        db.close()
+
+
+def test_delete_clean_account_releases_all_unique_slots(client) -> None:
+    phone = "13900000001"
+    token = _login(client, phone)
+    # 预置:给该用户造昵称 + 邀请码(占 invite_code 唯一槽),验证注销时一并释放
+    db = SessionLocal()
+    try:
+        u = db.execute(select(User).where(User.phone == phone)).scalar_one()
+        u.nickname = "张三"
+        u.invite_code = "INVCODE0001"
+        db.commit()
+        uid = u.id
+    finally:
+        db.close()
+
+    r = client.delete("/api/v1/user", headers=_auth(token))
+    assert r.status_code == 200, r.text
+
+    u = _get_user(f"deleted_{uid}")
+    assert u is not None
+    assert u.status == "deleted"
+    assert u.phone == f"deleted_{uid}"
+    assert u.nickname is None
+    assert u.avatar_url is None
+    assert u.wechat_openid is None
+    assert u.wechat_nickname is None
+    assert u.wechat_avatar_url is None
+    assert u.invite_code is None
+
+
+def test_delete_releases_wechat_so_another_account_can_bind(client, monkeypatch) -> None:
+    """原始 bug 回归:A 绑微信 → 注销,B 必须能绑同一个 openid(修复前会 409)。"""
+    openid = "openid_delreuse_a1"  # 独特值,避免跨测试共享库污染(如 test_withdraw 也用 openid_shared_xyz)
+    # A 绑微信
+    _patch_userinfo(monkeypatch, openid)
+    token_a = _login(client, "13900000002")
+    r = client.post("/api/v1/wallet/bind-wechat", json={"code": "ca"}, headers=_auth(token_a))
+    assert r.status_code == 200, r.text
+    # A 注销(无现金、无提现单 → 允许)
+    r = client.delete("/api/v1/user", headers=_auth(token_a))
+    assert r.status_code == 200, r.text
+    # B 绑同一个 openid → 必须成功(修复前会 409 "该微信已绑定其他账号")
+    token_b = _login(client, "13900000003")
+    r = client.post("/api/v1/wallet/bind-wechat", json={"code": "cb"}, headers=_auth(token_b))
+    assert r.status_code == 200, r.text
+    assert r.json()["bound"] is True
+
+
+def test_delete_blocked_when_cash_balance_positive(client) -> None:
+    phone = "13900000004"
+    token = _login(client, phone)
+    _seed_cash(client, token, phone, 100)  # 1 元未提现
+    r = client.delete("/api/v1/user", headers=_auth(token))
+    assert r.status_code == 409, r.text
+    assert "现金" in r.json()["detail"]
+    u = _get_user(phone)  # 账号未被删
+    assert u is not None and u.status == "active"
+
+
+def test_delete_blocked_when_reviewing_withdraw_exists(client, monkeypatch) -> None:
+    """cash 提光(=0)但有在审提现单 → 仍拒绝(命中 reviewing 闸,非 cash 闸)。"""
+    phone = "13900000005"
+    _patch_userinfo(monkeypatch, "openid_delrev_b2")
+    token = _login(client, phone)
+    _seed_cash(client, token, phone, 50)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+    # 提光 50 → cash 归 0,单进 reviewing
+    r = client.post("/api/v1/wallet/withdraw", json={"amount_cents": 50}, headers=_auth(token))
+    assert r.status_code == 200 and r.json()["status"] == "reviewing", r.text
+    assert r.json()["cash_balance_cents"] == 0
+
+    r = client.delete("/api/v1/user", headers=_auth(token))
+    assert r.status_code == 409, r.text
+    assert "审核" in r.json()["detail"]
+    u = _get_user(phone)
+    assert u is not None and u.status == "active"
+
+
+def test_deleted_user_old_token_is_rejected(client) -> None:
+    phone = "13900000006"
+    token = _login(client, phone)
+    r = client.delete("/api/v1/user", headers=_auth(token))
+    assert r.status_code == 200, r.text
+    # 注销后旧 token 立即失效(get_current_user 校验 status==active)
+    r = client.get("/api/v1/user/onboarding/status", params={"device_id": "d"}, headers=_auth(token))
+    assert r.status_code == 401, r.text