feat: 重构渠道模型与管道架构，全面升级 UI 主题和报表功能

核心重构 — 去除 channel 字段，引入 sourceAccount 模型： - 从 ImportedEvent、Rule、EnhancedRule、OcrRule 等接口中彻底移除 channel 字段 - rules.ts 中 resolveChannelAccount → resolveSourceAccount，规则匹配与账户解析不再依赖渠道概念 - dedup.ts 重写去重逻辑：从基于渠道匹配改为基于交易对手(counterparty)匹配，支持相同金额/交易对手/时间窗口的多级置信度判断 - transferRecognizer.ts 增加资产负债表账户校验，确保转账双方均为 Assets/Liabilities 类账户 - 全局替换影响：types、rules、ocr、adapters、adapters-migrations、所有服务层和测试新增基础设施： - domain/constants.ts — 统一常量定义（支付包名、截图关键词、去重参数、方向检测函数 detectDirection()），消除 OCR/SMS/截图等模块的重复定义 - domain/channelConfig.ts — 渠道配置系统（支付宝/微信/银行），支持按包名和名称查找 - domain/pipelineSingleton.ts — 共享 BillPipeline 单例，解决 importStore/automationStore 的互斥锁共享问题 - domain/transactionBuilder.ts — 统一交易构建入口 buildAndSaveTransaction()，同时服务手动录入和无障碍监听 OCR 增强： - 新增账单详情页解析（parseDetailPageBill），支持支付宝/微信详情页结构化提取 - checkIsDetailPage() 识别详情页特征词，防止误提取（如"消费1次"被误读为金额） - 金额正则支持千分位逗号分隔，商户名正则改用 lookahead 边界匹配 - 时间解析支持中文格式（年月日）和跨年推断 - OcrProcessor 新增详情页路由，跳过 Layer 1 规则匹配 UI 全面升级： - 主题重设计：accent 色从绿色改为靛蓝(#4F46E5)，深色模式适配 OLED 纯黑，引入 Quicksand/Caveat 字体 - 新增 commonStyles.ts 统一 chip/input/modal 等通用样式 - 首页 Bento 网格布局：净资产英雄卡片 + 定期账单/月度统计并排展示 - 报表新增周报标签页，月报整合日历视图（支持点击查看当日交易明细） - TrendLine 图表从 View 条形图重写为 SVG 贝塞尔曲线 - CategoryPicker 从水平滚动改为 4 列网格 + emoji 图标 - Button/Card 增加 press 缩放动画管道与自动化改进： - automationPipeline.ts 新增 handleIncomingBillEvent() 实时账单处理（悬浮账单卡片 + 前台 Alert 确认） - 新增无障碍文本直解析 parseAndProcessAccessibilityTexts()，微信/支付宝详情页绕过 OCR - rules.ts 新增智能还款检测（花呗/信用卡还款自动路由）和退款视为收入处理 - metadataStore 默认规则精简为 6 条通用规则，移除约 20 条个人化硬编码规则存储与同步： - storePersistence.ts 原子写入 + 崩溃恢复 + 重试机制 - 备份升级到 v2 格式，包含 settings 和 metadata - 同步路径统一从 mobile.bean 改为 main.bean - _layout.tsx 启动时自动迁移旧 mobile.bean 到 main.bean 其他： - 删除独立日历页面，功能合并到报表月报标签 - i18n 清理：移除渠道相关翻译，新增 50+ 翻译键 - docs/android-build-guide.md 重写为 APK 体积优化指南 - 新增 design-system/beancount-mobile/MASTER.md 设计系统文档 - 测试全面更新覆盖以上所有变更
feat: 初始化完整应用框架
2026-07-18 18:02:45 +08:00 · 2026-07-15 10:01:31 +08:00
195 changed files with 52644 additions and 1251 deletions
--- a/.gitignore
+++ b/.gitignore
@ -8,8 +8,8 @@ web-build/
 expo-env.d.ts

 # Native
-android/
-ios/
+/android/
+/ios/
 *.hprof

 # Metro
@ -35,8 +35,16 @@ yarn-error.*
 .env.*

 # Outputs
-outputs/
+/outputs/
+
+# Example financial data (may contain real PII)
+/example/
+
+# AI assistant config
+CLAUDE.md

 # MiMoCode
-.mimocode/
-.agent/
+/.mimocode/
+/.agents/
+/reference_project/
+/.zcode/
--- a/App.tsx
+++ b/App.tsx
@ -1,46 +0,0 @@
-import { useMemo, useState } from 'react';
-import { Pressable, SafeAreaView, ScrollView, StyleSheet, Text, TextInput, View } from 'react-native';
-import { StatusBar } from 'expo-status-bar';
-import { classify, commitMobileTransaction, importStatement, parseLedger, type ImportedEvent, type Rule, validateTransaction } from './src/domain';
-
-const sampleLedger = `option "operating_currency" "CNY"
-2026-01-01 open Assets:Alipay CNY
-2026-01-01 open Assets:WeChat CNY
-2026-01-01 open Expenses:Food CNY
-2026-01-01 open Expenses:Uncategorized CNY
-2026-01-01 open Income:Uncategorized CNY
-include "mobile.bean"
-`;
-const sampleStatement = '交易时间,金额(元),收/支,交易对方,商品说明,交易订单号\n2026-07-01,24.50,支出,咖啡店,冰美式,ORDER-1\n2026-07-02,5000,收入,公司,工资,ORDER-2';
-const rules: Rule[] = [{ id: 'coffee', priority: 100, channel: 'Alipay', counterpartyContains: '咖啡', channelAccount: 'Assets:Alipay', categoryAccount: 'Expenses:Food', narration: '咖啡', tags: ['food'], hits: 0 }];
-type Tab = '账本' | '记账' | '导入' | '规则' | '诊断';
-
-export default function App() {
-  const ledger = useMemo(() => parseLedger([{ path: 'main.bean', content: sampleLedger }]), []);
-  const [tab, setTab] = useState<Tab>('账本'); const [mobileBean, setMobileBean] = useState(''); const [events, setEvents] = useState<ImportedEvent[]>([]);
-  const [message, setMessage] = useState('账本已解析。手机交易只会写入 mobile.bean。');
-  const [amount, setAmount] = useState(''); const [account, setAccount] = useState('Expenses:Food');
-  const addManual = () => {
-    const draft = { date: '2026-07-10', narration: '手工记账', postings: [{ account: 'Assets:Alipay', amount: `-${amount}`, currency: 'CNY' }, { account, amount, currency: 'CNY' }] };
-    const result = validateTransaction(draft, ledger); if (!result.valid) return setMessage(result.errors.join('；'));
-    try { const commit = commitMobileTransaction(draft, ledger, mobileBean); setMobileBean(commit.content); setAmount(''); setMessage('已追加到 mobile.bean。'); } catch (error) { setMessage(String(error)); }
-  };
-  const loadDemo = () => { setEvents(importStatement(sampleStatement, 'alipay-csv-v1')); setMessage('已导入 2 条账单；请逐条确认。'); };
-  const confirm = (event: ImportedEvent) => {
-    const candidate = classify(event, rules, ledger); try { const commit = commitMobileTransaction(candidate.draft, ledger, mobileBean); setMobileBean(commit.content); setEvents(current => current.filter(item => item.id !== event.id)); setMessage(candidate.ruleId ? '已按规则确认并写入 mobile.bean。' : '未匹配规则，已确认未分类分录。'); } catch (error) { setMessage(String(error)); }
-  };
-  return <SafeAreaView style={styles.page}><StatusBar style="dark" />
-    <View style={styles.header}><Text style={styles.title}>Bean Mobile</Text><Text style={styles.subtitle}>{message}</Text></View>
-    <View style={styles.tabs}>{(['账本', '记账', '导入', '规则', '诊断'] as Tab[]).map(item => <Pressable key={item} onPress={() => setTab(item)} style={[styles.tab, tab === item && styles.activeTab]}><Text style={tab === item ? styles.activeText : styles.tabText}>{item}</Text></Pressable>)}</View>
-    <ScrollView contentContainerStyle={styles.content}>
-      {tab === '账本' && <><Card title="账本状态"><Text>{ledger.accounts.size} 个已开户账户 · {ledger.transactions.length} 条桌面交易</Text><Text style={styles.muted}>主文件只读；已配置 include "mobile.bean"。</Text></Card><Card title="mobile.bean"><Text>{mobileBean || '尚无手机端交易'}</Text></Card></>}
-      {tab === '记账' && <Card title="手工复式记账"><TextInput value={amount} onChangeText={setAmount} keyboardType="decimal-pad" placeholder="金额，例如 24.50" style={styles.input}/><TextInput value={account} onChangeText={setAccount} placeholder="费用账户" style={styles.input}/><Button label="校验并追加到 mobile.bean" onPress={addManual}/></Card>}
-      {tab === '导入' && <><Card title="账单自动记账"><Text style={styles.muted}>首版适配支付宝、微信支付和银行卡 CSV。所有候选交易必须确认。</Text><Button label="导入演示支付宝 CSV" onPress={loadDemo}/></Card>{events.map(event => { const candidate = classify(event, rules, ledger); return <Card key={event.id} title={`${event.occurredAt} · ${event.amount} ${event.currency}`}><Text>{event.counterparty} · {event.memo}</Text><Text style={styles.muted}>{candidate.ruleId ? `规则：${candidate.ruleId}` : '未匹配：将使用 Uncategorized'}</Text><Text>{candidate.draft.postings.map(posting => `${posting.account} ${posting.amount} ${posting.currency}`).join('\n')}</Text><Button label="确认入账" onPress={() => confirm(event)}/></Card>; })}</>}
-      {tab === '规则' && <Card title="自动分类规则">{rules.map(rule => <View key={rule.id} style={styles.row}><Text>{rule.id}</Text><Text style={styles.muted}>{rule.counterpartyContains} → {rule.categoryAccount}</Text></View>)}</Card>}
-      {tab === '诊断' && <Card title="只读兼容与诊断"><Text>语法问题：{ledger.diagnostics.length}</Text><Text>保留的高级指令：{ledger.unsupported.length}</Text><Text style={styles.muted}>出现解析或账户错误时，应用允许阅读，但会阻止相关交易写入。</Text></Card>}
-    </ScrollView>
-  </SafeAreaView>;
-}
-function Card({ title, children }: { title: string; children: React.ReactNode }) { return <View style={styles.card}><Text style={styles.cardTitle}>{title}</Text>{children}</View>; }
-function Button({ label, onPress }: { label: string; onPress: () => void }) { return <Pressable accessibilityRole="button" onPress={onPress} style={styles.button}><Text style={styles.buttonText}>{label}</Text></Pressable>; }
-const styles = StyleSheet.create({ page: { flex: 1, backgroundColor: '#f6f7f9' }, header: { padding: 20, paddingBottom: 12 }, title: { fontSize: 28, fontWeight: '700' }, subtitle: { color: '#57606a', marginTop: 6 }, tabs: { flexDirection: 'row', backgroundColor: '#fff', borderBottomWidth: 1, borderColor: '#e5e7eb' }, tab: { flex: 1, paddingVertical: 12, alignItems: 'center' }, activeTab: { borderBottomWidth: 2, borderColor: '#146c43' }, tabText: { color: '#57606a' }, activeText: { color: '#146c43', fontWeight: '700' }, content: { padding: 16, gap: 12 }, card: { backgroundColor: '#fff', borderRadius: 12, padding: 16, gap: 8, shadowColor: '#000', shadowOpacity: .04, shadowRadius: 6 }, cardTitle: { fontSize: 18, fontWeight: '700' }, muted: { color: '#687078', lineHeight: 20 }, input: { borderWidth: 1, borderColor: '#d0d7de', borderRadius: 8, padding: 11, backgroundColor: '#fff' }, button: { marginTop: 6, backgroundColor: '#146c43', padding: 12, borderRadius: 8, alignItems: 'center' }, buttonText: { color: '#fff', fontWeight: '700' }, row: { borderTopWidth: 1, borderColor: '#eef0f2', paddingTop: 10, gap: 3 } });
--- a/app.json
+++ b/app.json
@ -3,8 +3,32 @@
    "name": "Bean Mobile",
    "slug": "bean-mobile",
    "scheme": "beanmobile",
-    "plugins": [["expo-sqlite", { "enableFTS": true }]],
-    "ios": { "bundleIdentifier": "com.example.beanmobile" },
-    "android": { "package": "com.example.beanmobile" }
+    "plugins": [
+      [
+        "expo-sqlite",
+        {
+          "enableFTS": true
+        }
+      ],
+      "expo-router",
+      "expo-localization",
+      "./plugins/ppocr",
+      "./plugins/accessibility",
+      "./plugins/notification-listener",
+      "./plugins/sms-receiver",
+      "./plugins/screenshot-monitor",
+      "./plugins/size-optimization",
+      "expo-secure-store"
+    ],
+    "experiments": {
+      "tsConfigPath": "tsconfig.json",
+      "typedRoutes": true
+    },
+    "ios": {
+      "bundleIdentifier": "com.example.beanmobile"
+    },
+    "android": {
+      "package": "com.example.beanmobile"
+    }
  }
 }
--- a/design-system/beancount-mobile/MASTER.md
+++ b/design-system/beancount-mobile/MASTER.md
@ -0,0 +1,206 @@
+# Design System Master File
+
+> **LOGIC:** When building a specific page, first check `design-system/pages/[page-name].md`.
+> If that file exists, its rules **override** this Master file.
+> If not, strictly follow the rules below.
+
+---
+
+**Project:** beancount-mobile
+**Generated:** 2026-07-16 16:32:57
+**Category:** Personal Finance Tracker
+
+---
+
+## Global Rules
+
+### Color Palette
+
+| Role | Hex | CSS Variable |
+|------|-----|--------------|
+| Primary | `#1E40AF` | `--color-primary` |
+| On Primary | `#FFFFFF` | `--color-on-primary` |
+| Secondary | `#3B82F6` | `--color-secondary` |
+| Accent/CTA | `#059669` | `--color-accent` |
+| Background | `#0F172A` | `--color-background` |
+| Foreground | `#FFFFFF` | `--color-foreground` |
+| Muted | `#101A34` | `--color-muted` |
+| Border | `rgba(255,255,255,0.08)` | `--color-border` |
+| Destructive | `#DC2626` | `--color-destructive` |
+| Ring | `#1E40AF` | `--color-ring` |
+
+**Color Notes:** Trust blue + profit green on dark
+
+### Typography
+
+- **Heading Font:** Caveat
+- **Body Font:** Quicksand
+- **Mood:** handwritten, personal, friendly, casual, warm, charming
+- **Google Fonts:** [Caveat + Quicksand](https://fonts.googleapis.com/css2?family=Caveat:wght@400;500;600;700&family=Quicksand:wght@300;400;500;600;700&display=swap)
+
+**CSS Import:**
+```css
+@import url('https://fonts.googleapis.com/css2?family=Caveat:wght@400;500;600;700&family=Quicksand:wght@300;400;500;600;700&display=swap');
+```
+
+### Spacing Variables
+
+| Token | Value | Usage |
+|-------|-------|-------|
+| `--space-xs` | `4px` / `0.25rem` | Tight gaps |
+| `--space-sm` | `8px` / `0.5rem` | Icon gaps, inline spacing |
+| `--space-md` | `16px` / `1rem` | Standard padding |
+| `--space-lg` | `24px` / `1.5rem` | Section padding |
+| `--space-xl` | `32px` / `2rem` | Large gaps |
+| `--space-2xl` | `48px` / `3rem` | Section margins |
+| `--space-3xl` | `64px` / `4rem` | Hero padding |
+
+### Shadow Depths
+
+| Level | Value | Usage |
+|-------|-------|-------|
+| `--shadow-sm` | `0 1px 2px rgba(0,0,0,0.05)` | Subtle lift |
+| `--shadow-md` | `0 4px 6px rgba(0,0,0,0.1)` | Cards, buttons |
+| `--shadow-lg` | `0 10px 15px rgba(0,0,0,0.1)` | Modals, dropdowns |
+| `--shadow-xl` | `0 20px 25px rgba(0,0,0,0.15)` | Hero images, featured cards |
+
+---
+
+## Component Specs
+
+### Buttons
+
+```css
+/* Primary Button */
+.btn-primary {
+  background: #059669;
+  color: white;
+  padding: 12px 24px;
+  border-radius: 8px;
+  font-weight: 600;
+  transition: all 200ms ease;
+  cursor: pointer;
+}
+
+.btn-primary:hover {
+  opacity: 0.9;
+  transform: translateY(-1px);
+}
+
+/* Secondary Button */
+.btn-secondary {
+  background: transparent;
+  color: #1E40AF;
+  border: 2px solid #1E40AF;
+  padding: 12px 24px;
+  border-radius: 8px;
+  font-weight: 600;
+  transition: all 200ms ease;
+  cursor: pointer;
+}
+```
+
+### Cards
+
+```css
+.card {
+  background: #0F172A;
+  border-radius: 12px;
+  padding: 24px;
+  box-shadow: var(--shadow-md);
+  transition: all 200ms ease;
+  cursor: pointer;
+}
+
+.card:hover {
+  box-shadow: var(--shadow-lg);
+  transform: translateY(-2px);
+}
+```
+
+### Inputs
+
+```css
+.input {
+  padding: 12px 16px;
+  border: 1px solid #E2E8F0;
+  border-radius: 8px;
+  font-size: 16px;
+  transition: border-color 200ms ease;
+}
+
+.input:focus {
+  border-color: #1E40AF;
+  outline: none;
+  box-shadow: 0 0 0 3px #1E40AF20;
+}
+```
+
+### Modals
+
+```css
+.modal-overlay {
+  background: rgba(0, 0, 0, 0.5);
+  backdrop-filter: blur(4px);
+}
+
+.modal {
+  background: white;
+  border-radius: 16px;
+  padding: 32px;
+  box-shadow: var(--shadow-xl);
+  max-width: 500px;
+  width: 90%;
+}
+```
+
+---
+
+## Style Guidelines
+
+**Style:** Dark Mode (OLED)
+
+**Keywords:** Dark theme, low light, high contrast, deep black, midnight blue, eye-friendly, OLED, night mode, power efficient
+
+**Best For:** Night-mode apps, coding platforms, entertainment, eye-strain prevention, OLED devices, low-light
+
+**Key Effects:** Minimal glow (text-shadow: 0 0 10px), dark-to-light transitions, low white emission, high readability, visible focus
+
+### Page Pattern
+
+**Pattern Name:** Interactive Product Demo
+
+- **CTA Placement:** Above fold
+- **Section Order:** Hero > Features > CTA
+
+---
+
+## Anti-Patterns (Do NOT Use)
+
+- ❌ Pure white backgrounds
+
+### Additional Forbidden Patterns
+
+- ❌ **Emojis as icons** — Use SVG icons (Heroicons, Lucide, Simple Icons)
+- ❌ **Missing cursor:pointer** — All clickable elements must have cursor:pointer
+- ❌ **Layout-shifting hovers** — Avoid scale transforms that shift layout
+- ❌ **Low contrast text** — Maintain 4.5:1 minimum contrast ratio
+- ❌ **Instant state changes** — Always use transitions (150-300ms)
+- ❌ **Invisible focus states** — Focus states must be visible for a11y
+
+---
+
+## Pre-Delivery Checklist
+
+Before delivering any UI code, verify:
+
+- [ ] No emojis used as icons (use SVG instead)
+- [ ] All icons from consistent icon set (Heroicons/Lucide)
+- [ ] `cursor-pointer` on all clickable elements
+- [ ] Hover states with smooth transitions (150-300ms)
+- [ ] Light mode: text contrast 4.5:1 minimum
+- [ ] Focus states visible for keyboard navigation
+- [ ] `prefers-reduced-motion` respected
+- [ ] Responsive: 375px, 768px, 1024px, 1440px
+- [ ] No content hidden behind fixed navbars
+- [ ] No horizontal scroll on mobile
--- a/docs/android-build-guide.md
+++ b/docs/android-build-guide.md
@ -0,0 +1,100 @@
+# Android 安装包打包与体积优化指南 (Android Build Guide)
+
+在引入机器学习引擎（ONNX Runtime）及 React Native 新架构后，本项目的原生 C/C++ SO 库体积大幅增加。为避免将无意义的冗余架构包打包给最终手机用户，本项目对 Android 构建配置进行了专项体积优化。
+
+本篇指南将为您介绍项目中的打包机制、优化细节，以及如何通过命令行进行差异化编译。
+
+---
+
+## 1. 体积优化核心原理
+
+### 1.1 ABI 分包 (ABI Splits)
+在 Android 系统的 `build.gradle` 中，我们启用了分包编译：
+```groovy
+splits {
+    abi {
+        enable true
+        reset()
+        include "armeabi-v7a", "arm64-v8a", "x86", "x86_64"
+        universalApk true
+    }
+}
+```
+* **效果**：系统会为每种 CPU 架构单独输出一个体积小巧的 APK，并额外保留一个兼容所有架构的通用包（Universal APK）。
+* **独立包大小**：~35MB - ~40MB
+* **通用包大小**：~140MB - ~170MB
+
+### 1.2 默认编译架构限制
+我们在 `android/gradle.properties` 中指定了默认编译目标为：
+```properties
+reactNativeArchitectures=arm64-v8a
+```
+* **为什么只包含 arm64-v8a**：目前 99% 的主流现代 Android 实体机都是 64 位 ARM 架构（`arm64-v8a`）。在进行日常分发与本地 Release 测试时，默认只编译 arm64-v8a，能够省去编译另外 3 个架构的机器指令时间，**编译速度提升 3~4 倍**，且输出的包体最小。
+
+### 1.3 Expo 持续原生生成 (Config Plugin) 的自动应用
+> [!IMPORTANT]
+> 由于 `android/` 目录被 Git 忽略，**不要直接手动在其他设备上提交原生配置变更**。
+> 本项目已编写了专门的本地 Config Plugin：[size-optimization](file:///c:/Users/fmq/Documents/work/beancount-mobile/plugins/size-optimization/app.plugin.js)。
+> 当在新设备上重新 `git clone` 项目后，运行以下指令即可自动拉起 Config Plugin 并在重新生成的 `android/` 目录中完美注入上述所有的体积优化配置（ABI 分包、默认单架构编译）：
+> ```bash
+> npx expo prebuild --platform android
+> ```
+
+---
+
+## 2. 编译命令与打包指令
+
+请在项目的根目录（若已在 `android/` 目录中则不需要前缀 `cd android`）执行以下指令：
+
+### 2.1 本地测试/实体分发（仅编译 arm64-v8a，最快最推荐）
+直接运行默认编译，会使用 `gradle.properties` 中配置 of `arm64-v8a`：
+```powershell
+# 在 Windows Powershell 下执行：
+$env:JAVA_HOME="C:\Program Files\Java\jdk-21"
+$env:ANDROID_HOME="C:\Users\fmq\AppData\Local\Android\Sdk"
+cd android
+.\gradlew.bat :app:assembleRelease --offline --no-daemon
+```
+编译完成后，可在以下路径找到适合真机安装的轻量版 APK（约 37MB）：
+* `android\app\build\outputs\apk\release\app-arm64-v8a-release.apk`
+
+---
+
+### 2.2 全量分包发布（适合多设备兼容测试/全网发布）
+若需要同时生成适配所有手机架构的独立 APK 以及一个通用包，可以在命令行中通过参数**覆盖默认架构**：
+```powershell
+$env:JAVA_HOME="C:\Program Files\Java\jdk-21"
+$env:ANDROID_HOME="C:\Users\fmq\AppData\Local\Android\Sdk"
+cd android
+.\gradlew.bat :app:assembleRelease -PreactNativeArchitectures=armeabi-v7a,arm64-v8a,x86,x86_64 --offline --no-daemon
+```
+编译完成后，在输出目录会产生 5 个文件：
+1. `app-arm64-v8a-release.apk` (推荐绝大多数真机，约 37MB)
+2. `app-armeabi-v7a-release.apk` (适合极少数老旧真机)
+3. `app-x86-release.apk` (适合 32 位模拟器)
+4. `app-x86_64-release.apk` (适合 64 位模拟器)
+5. `app-universal-release.apk` (包含上述全部架构的通用胖包，约 140MB)
+
+---
+
+### 2.3 模拟器专用打包 (x86_64)
+若需要直接打包在 Windows/macOS 的 x86_64 原生安卓模拟器上测试：
+```powershell
+.\gradlew.bat :app:assembleRelease -PreactNativeArchitectures=x86_64 --offline --no-daemon
+```
+即可秒级编译出专门针对模拟器的 `app-x86_64-release.apk`。
+
+---
+
+## 3. 高级优化项：Proguard/R8 与混淆 (选填)
+如需进一步将独立包体积压缩到 25MB 左右，可以考虑在 `gradle.properties` 中开启混淆并做裁剪防御。
+1. 在 `gradle.properties` 中添加：
+   ```properties
+   android.enableMinifyInReleaseBuilds=true
+   android.enableShrinkResourcesInReleaseBuilds=true
+   ```
+2. 注意：由于引入了 `ONNX Runtime` 动态调用，如果运行崩溃，需要在 `android/app/proguard-rules.pro` 中加入如下混淆保留白名单：
+   ```proguard
+   -keep class com.microsoft.onnxruntime.** { *; }
+   -dontwarn com.microsoft.onnxruntime.**
+   ```
--- a/package-lock.json
+++ b/package-lock.json
--- a/package.json
+++ b/package.json
@ -2,7 +2,7 @@
  "name": "beancount-mobile",
  "version": "0.1.0",
  "private": true,
-  "main": "node_modules/expo/AppEntry.js",
+  "main": "expo-router/entry",
  "scripts": {
    "start": "expo start",
    "android": "expo run:android",
@ -11,16 +11,45 @@
    "typecheck": "tsc --noEmit"
  },
  "dependencies": {
+    "@expo-google-fonts/caveat": "^0.4.2",
+    "@expo-google-fonts/quicksand": "^0.4.1",
+    "@expo/metro-runtime": "^6.1.2",
+    "@expo/vector-icons": "^15.0.3",
+    "@react-navigation/drawer": "^7.5.0",
    "expo": "~54.0.0",
+    "expo-constants": "^18.0.13",
+    "expo-document-picker": "~14.0.8",
    "expo-file-system": "~19.0.0",
+    "expo-image-picker": "~17.0.11",
+    "expo-linking": "^8.0.12",
+    "expo-local-authentication": "~17.0.8",
+    "expo-localization": "~17.0.9",
+    "expo-notifications": "~0.32.17",
+    "expo-router": "~6.0.24",
+    "expo-secure-store": "~15.0.8",
+    "expo-sharing": "~14.0.8",
    "expo-sqlite": "~16.0.0",
    "expo-status-bar": "~3.0.0",
+    "i18n-js": "^4.5.3",
    "react": "19.1.0",
-    "react-native": "0.81.0"
+    "react-dom": "^19.1.0",
+    "react-native": "0.81.0",
+    "react-native-gesture-handler": "^2.28.0",
+    "react-native-reanimated": "^3.18.0",
+    "react-native-safe-area-context": "~5.6.0",
+    "react-native-screens": "~4.16.0",
+    "react-native-svg": "^15.15.5",
+    "react-native-view-shot": "4.0.3",
+    "text-encoding-gbk": "^0.7.3",
+    "xlsx": "^0.18.5",
+    "zustand": "^5.0.14"
  },
  "devDependencies": {
    "@types/react": "~19.1.0",
    "typescript": "~5.9.0",
    "vitest": "^3.2.0"
+  },
+  "overrides": {
+    "expo-font": "~14.0.12"
  }
 }
--- a/plan-ocr.md
+++ b/plan-ocr.md
@ -1,458 +0,0 @@
-# OCR 自动记账集成方案
-
-## 摘要
-
-借鉴 AutoAccounting 项目的 OCR 模式，为 beancount-mobile 增加屏幕识别自动记账能力。用户在支付宝/微信/银行 App 付款后，通过无障碍服务截屏 → OCR 识别 → 解析账单 → 生成 Beancount 复式分录 → 用户确认入账。
-
-**核心原则**：不修改任何应用、不需要 Root、不需要 Shizuku，仅依赖 Android 无障碍权限。
-
-## 技术方案
-
-### 架构概览
-
-```
-用户在支付 App 完成付款
-    ↓
-Android 无障碍服务检测到页面变化
-    ↓
-AccessibilityService.takeScreenshot() 截屏（API 30+）
-    ↓
-Google ML Kit OCR 识别文字
-    ↓
-正则 + 规则引擎解析为 ImportedEvent
-    ↓
-复用现有 classify() → TransactionDraft
-    ↓
-用户确认 → commitMobileTransaction() → mobile.bean
-```
-
-### 依赖 AutoAccounting 的部分
-
-| AutoAccounting 组件         | 用途                      | beancount-mobile 替代方案          |
-| --------------------------- | ------------------------- | ---------------------------------- |
-| `OcrTools.kt`             | 无障碍截屏 + 前台应用检测 | 原生模块重写，逻辑一致             |
-| `OcrProcessor.kt`         | PP-OCRv5 文字识别         | Google ML Kit（免费，无需 AAR）    |
-| `JsExecutor.kt`           | QuickJS 规则引擎          | 复用现有`importStatement` + 规则 |
-| `BillService.kt`          | 账单分析流程              | 复用现有`classify()` 流程        |
-| `PageSignatureManager.kt` | 页面特征匹配              | 可选，首版不做                     |
-| `FlipDetector.kt`         | 翻转触发                  | 改为悬浮按钮触发                   |
-
-### 不依赖的部分
-
- Shizuku SDK（无障碍模式不需要）
- Xposed/LSPatch 框架
- Ktor 嵌入式服务器
- Room 数据库
- MMKV 配置存储
- TapBack 双击背部模块
-
-## 实现计划
-
-### 阶段一：原生模块搭建（3 天）
-
-#### 1.1 创建 Android 原生模块目录结构
-
-```
-android/app/src/main/java/com/beancount/mobile/
-├── ocr/
-│   ├── OcrModule.kt          # React Native 原生模块
-│   ├── OcrAccessibilityService.kt  # 无障碍服务
-│   └── OcrManager.kt         # OCR 处理管理器
-```
-
-#### 1.2 实现 OcrAccessibilityService.kt
-
-参考 AutoAccounting 的 `OcrTools.kt`，实现：
-
-```kotlin
-class OcrAccessibilityService : AccessibilityService() {
-    // 1. 监听窗口变化事件
-    override fun onAccessibilityEvent(event: AccessibilityEvent?) {
-        // 检测前台应用变化
-        // 触发截屏回调
-    }
-
-    // 2. 截屏功能（API 30+）
-    fun takeScreenshot(callback: (Bitmap?) -> Unit) {
-        if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.R) {
-            takeScreenshot(
-                Display.DEFAULT_DISPLAY,
-                mainExecutor,
-                object : TakeScreenshotCallback {
-                    override fun onSuccess(result: ScreenshotResult) {
-                        val bitmap = Bitmap.wrapHardwareBuffer(
-                            result.hardwareBuffer, result.colorSpace
-                        )
-                        callback(bitmap)
-                        result.hardwareBuffer.close()
-                    }
-                    override fun onFailure(errorCode: Int) {
-                        callback(null)
-                    }
-                }
-            )
-        }
-    }
-
-    // 3. 获取前台应用包名
-    fun getTopPackage(): String? {
-        // 通过 rootInActiveWindow 获取
-    }
-}
-```
-
-#### 1.3 实现 OcrModule.kt（React Native Bridge）
-
-```kotlin
-@ReactModule(name = "OcrModule")
-class OcrModule(reactContext: ReactApplicationContext) : ReactContextBaseJavaModule(reactContext) {
-  
-    @ReactMethod
-    fun startOcrService(promise: Promise) {
-        // 启动无障碍服务
-    }
-
-    @ReactMethod
-    fun stopOcrService(promise: Promise) {
-        // 停止无障碍服务
-    }
-
-    @ReactMethod
-    fun takeScreenshot(promise: Promise) {
-        // 调用无障碍服务截屏
-        // 返回 base64 编码的图片
-    }
-
-    @ReactMethod
-    fun getTopApp(promise: Promise) {
-        // 返回前台应用包名
-    }
-
-    @ReactMethod
-    fun isServiceEnabled(promise: Promise) {
-        // 检查无障碍服务是否已启用
-    }
-}
-```
-
-#### 1.4 配置 AndroidManifest.xml
-
-```xml
-<service
-    android:name=".ocr.OcrAccessibilityService"
-    android:permission="android.permission.BIND_ACCESSIBILITY_SERVICE"
-    android:exported="false">
-    <intent-filter>
-        <action android:name="android.accessibilityservice.AccessibilityService" />
-    </intent-filter>
-    <meta-data
-        android:name="android.accessibilityservice"
-        android:resource="@xml/accessibility_service_config" />
-</service>
-```
-
-#### 1.5 创建无障碍服务配置
-
-`android/app/src/main/res/xml/accessibility_service_config.xml`:
-
-```xml
-<?xml version="1.0" encoding="utf-8"?>
-<accessibility-service xmlns:android="http://schemas.android.com/apk/res/android"
-    android:description="@string/ocr_service_description"
-    android:accessibilityEventTypes="typeWindowStateChanged"
-    android:accessibilityFeedbackType="feedbackGeneric"
-    android:notificationTimeout="100"
-    android:canTakeScreenshot="true"
-    android:canRetrieveWindowContent="false" />
-```
-
-### 阶段二：OCR 引擎集成（2 天）
-
-#### 2.1 添加 ML Kit 依赖
-
-`android/app/build.gradle`:
-
-```gradle
-dependencies {
-    // Google ML Kit OCR
-    implementation 'com.google.mlkit:text-recognition-chinese:16.0.0'
-}
-```
-
-#### 2.2 实现 OcrManager.kt
-
-```kotlin
-class OcrManager(private val context: Context) {
-    private val recognizer = TextRecognition.getClient(
-        ChineseTextRecognizerOptions.Builder().build()
-    )
-
-    suspend fun recognizeText(bitmap: Bitmap): String {
-        val image = InputImage.fromBitmap(bitmap, 0)
-        val result = recognizer.process(image).await()
-        return result.text
-    }
-}
-```
-
-#### 2.3 金额/商户正则解析
-
-参考 AutoAccounting 的 JS 规则，用 Kotlin 正则实现：
-
-```kotlin
-object BillParser {
-    // 金额匹配：¥100.00 / 100.00元 / -50.50
-    private val amountPattern = Regex("""[¥￥]?\s*(-?\d+\.?\d*)\s*元?""")
-  
-    // 时间匹配：2026-07-10 14:30:00 / 07-10 14:30
-    private val timePattern = Regex("""(\d{4}[-/]\d{2}[-/]\d{2}\s+\d{2}:\d{2}(?::\d{2})?)""")
-  
-    // 商户匹配：支付成功至 XXX / 商户名称：XXX
-    private val merchantPattern = Regex("""(?:商户|商家|收款方)[：:]\s*(.+?)(?:\s|$)""")
-  
-    fun parse(ocrText: String, appPackage: String): ImportedEvent? {
-        val amount = amountPattern.find(ocrText)?.groupValues?.get(1) ?: return null
-        val time = timePattern.find(ocrText)?.groupValues?.get(1) ?: return null
-        val merchant = merchantPattern.find(ocrText)?.groupValues?.get(1) ?: "未知商户"
-      
-        // 根据 appPackage 判断渠道
-        val channel = when {
-            appPackage.contains("alipay") -> "Alipay"
-            appPackage.contains("wechat") -> "WeChat"
-            else -> "Bank"
-        }
-      
-        return ImportedEvent(
-            id = "ocr-${System.currentTimeMillis()}",
-            occurredAt = time.replace("/", "-").take(10),
-            amount = amount,
-            currency = "CNY",
-            direction = if (amount.startsWith("-")) "expense" else "income",
-            channel = channel,
-            counterparty = merchant,
-            memo = "OCR 自动识别",
-            raw = mapOf("ocrText" to ocrText)
-        )
-    }
-}
-```
-
-### 阶段三：JS 层集成（2 天）
-
-#### 3.1 创建 OCR Bridge 模块
-
-`src/ocr/OcrBridge.ts`:
-
-```typescript
-import { NativeModules, Platform } from 'react-native';
-
-const { OcrModule } = NativeModules;
-
-export interface OcrResult {
-  text: string;
-  imagePath: string;
-}
-
-export class OcrBridge {
-  static async isAvailable(): Promise<boolean> {
-    if (Platform.OS !== 'android') return false;
-    return await OcrModule?.isServiceEnabled() ?? false;
-  }
-
-  static async startService(): Promise<void> {
-    await OcrModule?.startOcrService();
-  }
-
-  static async takeScreenshot(): Promise<string | null> {
-    return await OcrModule?.takeScreenshot();
-  }
-
-  static async getTopApp(): Promise<string | null> {
-    return await OcrModule?.getTopApp();
-  }
-}
-```
-
-#### 3.2 OCR 识别流程
-
-`src/ocr/OcrProcessor.ts`:
-
-```typescript
-import { OcrBridge } from './OcrBridge';
-import { importStatement, type ImportedEvent } from '../domain';
-
-export async function processOcrScreenshot(): Promise<ImportedEvent | null> {
-  // 1. 截屏
-  const base64Image = await OcrBridge.takeScreenshot();
-  if (!base64Image) return null;
-
-  // 2. 获取前台应用
-  const topApp = await OcrBridge.getTopApp();
-  if (!topApp) return null;
-
-  // 3. OCR 识别（通过原生模块）
-  const ocrText = await OcrModule.recognizeText(base64Image);
-  if (!ocrText) return null;
-
-  // 4. 解析为 ImportedEvent
-  const event = parseOcrText(ocrText, topApp);
-  return event;
-}
-```
-
-#### 3.3 集成到现有导入流程
-
-修改 `App.tsx` 的导入标签页，添加 OCR 入口：
-
-```typescript
-const handleOcrImport = async () => {
-  const event = await processOcrScreenshot();
-  if (event) {
-    setEvents(current => [...current, event]);
-    setMessage('OCR 识别成功，请确认账单。');
-  } else {
-    setMessage('OCR 识别失败，请重试。');
-  }
-};
-```
-
-### 阶段四：UI 适配（2 天）
-
-#### 4.1 添加 OCR 触发按钮
-
-在导入标签页添加"屏幕识别"按钮：
-
-```tsx
-{tab === '导入' && (
-  <>
-    <Card title="自动记账">
-      <Button label="屏幕识别（OCR）" onPress={handleOcrImport} />
-      <Button label="导入 CSV 文件" onPress={loadDemo} />
-    </Card>
-    {/* 现有的事件列表 */}
-  </>
-)}
-```
-
-#### 4.2 OCR 结果确认界面
-
-展示识别结果，允许用户修正：
-
-```tsx
-<Card title={`OCR 识别 · ${event.amount} ${event.currency}`}>
-  <Text>{event.counterparty} · {event.memo}</Text>
-  <Text style={styles.muted}>来源：{event.channel} · {event.occurredAt}</Text>
-  {/* 编辑按钮 */}
-  <Button label="确认入账" onPress={() => confirm(event)} />
-</Card>
-```
-
-#### 4.3 无障碍权限引导
-
-首次使用时引导用户开启无障碍权限：
-
-```tsx
-const enableOcr = async () => {
-  const available = await OcrBridge.isAvailable();
-  if (!available) {
-    // 打开系统无障碍设置
-    await OcrBridge.startService();
-  }
-};
-```
-
-### 阶段五：测试与优化（2 天）
-
-#### 5.1 测试用例
-
-| 测试场景               | 预期结果                 |
-| ---------------------- | ------------------------ |
-| 支付宝付款成功页 OCR   | 正确识别金额、商户、时间 |
-| 微信支付凭证页 OCR     | 正确识别金额、商户       |
-| 银行卡扣款通知页 OCR   | 正确识别金额、来源       |
-| 识别失败（非支付页面） | 返回 null，提示重试      |
-| 重复识别同一笔交易     | 去重，提示已存在         |
-
-#### 5.2 性能优化
-
- 截屏后立即回收 Bitmap，避免内存泄漏
- OCR 识别在后台线程执行
- 缓存最近识别结果，避免重复处理
-
-#### 5.3 兼容性处理
-
- Android 11 以下不支持 `takeScreenshot()`，降级为提示用户手动截图
- 不同支付 App 的页面布局差异，通过正则适配
-
-## 文件清单
-
-### 新增文件
-
-```
-android/app/src/main/java/com/beancount/mobile/ocr/
-├── OcrModule.kt                    # React Native 原生模块
-├── OcrAccessibilityService.kt      # 无障碍服务
-└── OcrManager.kt                   # OCR 处理管理器
-
-android/app/src/main/res/xml/
-└── accessibility_service_config.xml # 无障碍服务配置
-
-src/ocr/
-├── OcrBridge.ts                    # JS 层 Bridge
-└── OcrProcessor.ts                 # OCR 处理逻辑
-```
-
-### 修改文件
-
-```
-android/app/build.gradle            # 添加 ML Kit 依赖
-android/app/src/main/AndroidManifest.xml  # 注册无障碍服务
-App.tsx                             # 添加 OCR 入口
-package.json                        # 无变化（纯原生模块）
-```
-
-## 依赖清单
-
-| 依赖                           | 版本    | 用途     | 必需 |
-| ------------------------------ | ------- | -------- | ---- |
-| Google ML Kit Text Recognition | 16.0.0  | 中文 OCR | 是   |
-| React Native                   | 0.81.0  | 框架     | 是   |
-| Expo                           | ~54.0.0 | 开发框架 | 是   |
-
-**不需要的依赖**：
-
- Shizuku SDK
- Xposed/LSPatch
- PP-OCR AAR
- QuickJS
-
-## 风险与限制
-
-| 风险                        | 影响               | 缓解措施           |
-| --------------------------- | ------------------ | ------------------ |
-| Android < 11 不支持截屏 API | 低版本设备无法使用 | 降级为手动截图导入 |
-| 支付 App 页面更新           | OCR 正则失效       | 正则设计为宽松匹配 |
-| 无障碍权限被系统回收        | 服务停止           | 前台通知保活       |
-| OCR 识别准确率              | 可能识别错误       | 用户确认环节兜底   |
-
-## 预估工期
-
-| 阶段             | 工作量          | 产出              |
-| ---------------- | --------------- | ----------------- |
-| 阶段一：原生模块 | 3 天            | 无障碍服务 + 截屏 |
-| 阶段二：OCR 引擎 | 2 天            | ML Kit 集成       |
-| 阶段三：JS 集成  | 2 天            | Bridge + 解析     |
-| 阶段四：UI 适配  | 2 天            | 按钮 + 确认界面   |
-| 阶段五：测试优化 | 2 天            | 测试用例 + 兼容性 |
-| **总计**   | **11 天** |                   |
-
-## 与 plan.md 的关系
-
-本方案是 plan.md 的扩展，补充了 OCR 自动记账能力。plan.md 中明确"首版不做 OCR"，本方案作为第二阶段实现。
-
-两份文档的关系：
-
- `plan.md`：核心架构 + CSV 导入 + 手工记账（首版）
- `plan-ocr.md`：OCR 屏幕识别 + 自动记账（第二阶段）
-
-实现顺序：先完成 plan.md 的核心功能，再实现 plan-ocr.md 的 OCR 能力。
--- a/plan.md
+++ b/plan.md
--- a/plugins/accessibility/android/AccessibilityBridgeModule.kt
+++ b/plugins/accessibility/android/AccessibilityBridgeModule.kt
@ -0,0 +1,233 @@
+package com.beancount.mobile.accessibility
+
+import com.facebook.react.bridge.ReactApplicationContext
+import com.facebook.react.bridge.ReactContextBaseJavaModule
+import com.facebook.react.bridge.ReactMethod
+import com.facebook.react.bridge.Promise
+import com.facebook.react.bridge.WritableNativeArray
+import com.facebook.react.bridge.WritableNativeMap
+import com.facebook.react.bridge.ReadableArray
+
+/**
+ * 无障碍服务 RN 桥接模块（plan.md「3.6 无障碍服务」JS 接线）。
+ *
+ * BillingAccessibilityService 是 AccessibilityService 子类（非 RN 模块），
+ * 其方法无法直接从 JS 调用。本模块作为中间层，通过 instance 静态引用
+ * 把 JS 调用委托给服务实例。
+ *
+ * 由 Config Plugin 的 withMainApplication 注入 add(AccessibilityBridgePackage())。
+ */
+class AccessibilityBridgeModule(private val reactContext: ReactApplicationContext) :
+    ReactContextBaseJavaModule(reactContext) {
+
+    init {
+        ReactContextHolder.context = reactContext
+    }
+
+    override fun invalidate() {
+        super.invalidate()
+        if (ReactContextHolder.context === reactContext) {
+            ReactContextHolder.context = null
+        }
+    }
+
+    override fun getName() = "AccessibilityBridge"
+
+    /** 无障碍服务是否已连接（用户已在系统设置中启用）。 */
+    @ReactMethod
+    fun isServiceRunning(promise: Promise) {
+        promise.resolve(BillingAccessibilityService.instance != null)
+    }
+
+    /**
+     * 记住当前页面：把当前顶部 App 的 pkg|activity 加入白名单，
+     * 之后该页面内容变化时自动截图 → OCR。
+     */
+    @ReactMethod
+    fun rememberCurrentPage(promise: Promise) {
+        val service = BillingAccessibilityService.instance
+        if (service == null) {
+            promise.reject("SERVICE_NOT_RUNNING", "无障碍服务未启用")
+            return
+        }
+        val pkg = service.getTopPackage()
+        if (pkg == null) {
+            promise.reject("NO_TOP_PACKAGE", "当前没有检测到前台 App")
+            return
+        }
+        service.rememberCurrentPage()
+        val result = WritableNativeMap()
+        result.putString("package", pkg)
+        result.putString("activity", service.getTopActivity() ?: "")
+        result.putString("signature", "$pkg|${service.getTopActivity() ?: ""}")
+        promise.resolve(result)
+    }
+
+    /** 手动触发一次 OCR（截取当前屏幕并发送给 JS 层处理）。 */
+    @ReactMethod
+    fun triggerManualOcr(promise: Promise) {
+        val service = BillingAccessibilityService.instance
+        if (service == null) {
+            promise.reject("SERVICE_NOT_RUNNING", "无障碍服务未启用")
+            return
+        }
+        try {
+            service.triggerManualOcr()
+            promise.resolve(true)
+        } catch (e: Exception) {
+            promise.reject("OCR_TRIGGER_FAIL", e.message)
+        }
+    }
+
+    /** 获取所有已记住的页面签名列表。 */
+    @ReactMethod
+    fun getPageSignatures(promise: Promise) {
+        val service = BillingAccessibilityService.instance
+        val sigsSet = if (service != null) {
+            service.getPageSignatures()
+        } else {
+            try {
+                val prefs = reactContext.getSharedPreferences("billing_accessibility_prefs", android.content.Context.MODE_PRIVATE)
+                prefs.getStringSet("page_signatures", emptySet()) ?: emptySet()
+            } catch (e: Exception) {
+                emptySet()
+            }
+        }
+        val arr = WritableNativeArray()
+        for (sig in sigsSet) {
+            val parts = sig.split("|", limit = 2)
+            val map = WritableNativeMap()
+            map.putString("signature", sig)
+            map.putString("package", parts.getOrNull(0) ?: "")
+            map.putString("activity", parts.getOrNull(1) ?: "")
+            arr.pushMap(map)
+        }
+        promise.resolve(arr)
+    }
+
+    /** 清空所有已记住的页面签名。 */
+    @ReactMethod
+    fun clearPageSignatures(promise: Promise) {
+        val service = BillingAccessibilityService.instance
+        if (service != null) {
+            service.clearPageSignatures()
+        } else {
+            try {
+                val prefs = reactContext.getSharedPreferences("billing_accessibility_prefs", android.content.Context.MODE_PRIVATE)
+                prefs.edit().putStringSet("page_signatures", emptySet()).apply()
+            } catch (e: Exception) {
+                promise.reject("CLEAR_PREFS_FAIL", e.message)
+                return
+            }
+        }
+        promise.resolve(true)
+    }
+
+    /** 删除指定页面签名。 */
+    @ReactMethod
+    fun removePageSignature(signature: String, promise: Promise) {
+        val service = BillingAccessibilityService.instance
+        if (service != null) {
+            service.removePageSignature(signature)
+        } else {
+            try {
+                val prefs = reactContext.getSharedPreferences("billing_accessibility_prefs", android.content.Context.MODE_PRIVATE)
+                val saved = prefs.getStringSet("page_signatures", emptySet()) ?: emptySet()
+                val mutable = HashSet(saved)
+                if (mutable.remove(signature)) {
+                    prefs.edit().putStringSet("page_signatures", mutable).apply()
+                }
+            } catch (e: Exception) {
+                promise.reject("REMOVE_PREFS_FAIL", e.message)
+                return
+            }
+        }
+        promise.resolve(true)
+    }
+
+    /** 获取支付 App 白名单（供 JS 端展示）。 */
+    @ReactMethod
+    fun getPaymentPackages(promise: Promise) {
+        val arr = WritableNativeArray()
+        for (pkg in BillingAccessibilityService.PAYMENT_PACKAGES) {
+            arr.pushString(pkg)
+        }
+        promise.resolve(arr)
+    }
+
+    /** 获取当前顶部 App 信息（供 JS 判断用户是否在支付页面）。 */
+    @ReactMethod
+    fun getTopApp(promise: Promise) {
+        val service = BillingAccessibilityService.instance
+        if (service == null) {
+            promise.reject("SERVICE_NOT_RUNNING", "无障碍服务未启用")
+            return
+        }
+        val map = WritableNativeMap()
+        map.putString("package", service.getTopPackage() ?: "")
+        map.putString("activity", service.getTopActivity() ?: "")
+        promise.resolve(map)
+    }
+
+    /** 将当前应用拉起至前台，用以在后台识别出账单后，弹窗让用户进行交易确认 */
+    @ReactMethod
+    fun bringAppToForeground(promise: Promise) {
+        val service = BillingAccessibilityService.instance
+        if (service == null) {
+            promise.reject("SERVICE_NOT_RUNNING", "无障碍服务未启用")
+            return
+        }
+        try {
+            service.bringAppToForeground()
+            promise.resolve(true)
+        } catch (e: Exception) {
+            promise.reject("FAIL", e.message)
+        }
+    }
+
+    /** 显示账单浮窗（直接在当前其他应用上方渲染，不返回 App 内） */
+    @ReactMethod
+    fun showFloatingBill(
+        amount: String, 
+        merchant: String, 
+        time: String, 
+        packageName: String, 
+        categories: ReadableArray,
+        accounts: ReadableArray,
+        direction: String,
+        draftId: String,
+        promise: Promise
+    ) {
+        val context = reactContext.currentActivity ?: BillingAccessibilityService.instance
+        if (context == null) {
+            promise.reject("NO_CONTEXT", "无法获取当前前台 Activity 或 AccessibilityService 实例")
+            return
+        }
+
+        val categoryList = mutableListOf<Map<String, String>>()
+        for (i in 0 until categories.size()) {
+            val map = categories.getMap(i)
+            categoryList.add(mapOf(
+                "id" to (map?.getString("id") ?: ""),
+                "name" to (map?.getString("name") ?: ""),
+                "account" to (map?.getString("account") ?: ""),
+                "type" to (map?.getString("type") ?: "")
+            ))
+        }
+
+        val accountList = mutableListOf<String>()
+        for (i in 0 until accounts.size()) {
+            accountList.add(accounts.getString(i) ?: "")
+        }
+
+        android.os.Handler(android.os.Looper.getMainLooper()).post {
+            try {
+                val floatingView = FloatingBillView(context, draftId, amount, merchant, time, packageName, categoryList, accountList, direction)
+                floatingView.show()
+                promise.resolve(true)
+            } catch (e: Exception) {
+                promise.reject("FAIL", e.message)
+            }
+        }
+    }
+}
--- a/plugins/accessibility/android/AccessibilityBridgePackage.kt
+++ b/plugins/accessibility/android/AccessibilityBridgePackage.kt
@ -0,0 +1,20 @@
+package com.beancount.mobile.accessibility
+
+import com.facebook.react.ReactPackage
+import com.facebook.react.bridge.NativeModule
+import com.facebook.react.bridge.ReactApplicationContext
+import com.facebook.react.uimanager.ViewManager
+
+/**
+ * ReactPackage 注册 AccessibilityBridgeModule。
+ * 由 Config Plugin 的 withMainApplication 注入 add(AccessibilityBridgePackage())。
+ */
+class AccessibilityBridgePackage : ReactPackage {
+    override fun createNativeModules(reactContext: ReactApplicationContext): List<NativeModule> {
+        return listOf(AccessibilityBridgeModule(reactContext))
+    }
+
+    override fun createViewManagers(reactContext: ReactApplicationContext): List<ViewManager<*, *>> {
+        return emptyList()
+    }
+}
--- a/plugins/accessibility/android/BillingAccessibilityService.kt
+++ b/plugins/accessibility/android/BillingAccessibilityService.kt
@ -0,0 +1,578 @@
+package com.beancount.mobile.accessibility
+
+import android.accessibilityservice.AccessibilityService
+import android.accessibilityservice.AccessibilityServiceInfo
+import android.content.Context
+import android.graphics.Bitmap
+import android.hardware.display.DisplayManager
+import android.os.Build
+import android.os.Handler
+import android.os.Looper
+import android.util.Log
+import android.view.Display
+import android.view.Surface
+import android.view.accessibility.AccessibilityEvent
+import com.facebook.react.modules.core.DeviceEventManagerModule
+import com.facebook.react.bridge.ReactApplicationContext
+import com.facebook.react.bridge.WritableNativeMap
+import com.facebook.react.bridge.WritableNativeArray
+import java.io.ByteArrayOutputStream
+import android.util.Base64
+import android.view.accessibility.AccessibilityNodeInfo
+
+/**
+ * 无障碍账单识别服务（plan.md「3.6 无障碍服务」+「决策 4 Config Plugin」）。
+ *
+ * 参考 AutoAccounting 的 SelectToSpeakService：
+ * - 监听支付 App 的页面切换（TYPE_WINDOW_STATE_CHANGED）
+ * - 页面签名匹配时自动截图 → OCR → 推送到 JS 层
+ * - 横屏免打扰（游戏/视频时不触发）
+ * - ocrDoing 守卫（防止重复触发）
+ *
+ * 伪装说明：plan.md 决策 3「纯开源侧载」保留无障碍伪装（非应用商店分发）。
+ * 注意：本服务类名在 manifest 中声明为 BillingAccessibilityService，
+ * 伪装为系统服务（包名 com.beancount.mobile.accessibility）仅在侧载版本保留。
+ *
+ * 通过 DeviceEventEmitter 把识别事件推送到 JS 层 automationStore。
+ *
+ * ⚠️ 与 src/domain/constants.ts 同步：PAYMENT_PACKAGES
+ *    修改时需两边同时更新。
+ */
+class BillingAccessibilityService : AccessibilityService() {
+
+    companion object {
+        private const val TAG = "BillingAccessibility"
+        private const val PREFS_NAME = "billing_accessibility_prefs"
+        private const val PREF_PAGE_SIGNATURES = "page_signatures"
+
+        @Volatile
+        var instance: BillingAccessibilityService? = null
+            private set
+
+        /** 支付 App 白名单。 */
+        val PAYMENT_PACKAGES = setOf(
+            "com.eg.android.AlipayGphone",   // 支付宝
+            "com.tencent.mm",                 // 微信
+            "com.unionpay",                   // 银联
+            "com.cmbchina",                   // 招商银行
+            "com.icbc",                       // 工商银行
+            "com.chinamworld.main",           // 中国银行
+            "com.ccbrcb",                     // 建设银行
+            "com.bankcomm.Bankcomm",           // 交通银行
+            "com.tencent.mobileqq",           // 手机QQ
+            "com.tencent.tim"                 // TIM
+        )
+
+        /** 厂商桌面包名（过滤，不触发 OCR）。 */
+        private val LAUNCHER_PACKAGES = setOf(
+            "com.google.android.apps.nexuslauncher",
+            "com.sec.android.app.launcher",
+            "com.miui.home",
+            "com.huawei.android.launcher",
+            "com.oppo.launcher",
+            "com.bbk.launcher2",
+            "com.android.launcher3",
+        )
+
+        /** OCR 触发防抖：500ms 内的内容变化合并为一次。 */
+        private const val CONTENT_CHANGE_DEBOUNCE_MS = 500L
+    }
+
+    private var ocrDoing = false
+    private val handler = Handler(Looper.getMainLooper())
+    private val debounceRunnable = Runnable { processContentChange() }
+    @Volatile private var topPackage: String? = null
+    @Volatile private var topActivity: String? = null
+    /** 已记住的页面签名（pkg|activity），匹配时自动触发 OCR。持久化到 SharedPreferences。 */
+    private val pageSignatures = java.util.concurrent.CopyOnWriteArraySet<String>()
+    private var floatingHelper: FloatingHelper? = null
+
+    override fun onServiceConnected() {
+        super.onServiceConnected()
+        instance = this
+        Log.i(TAG, "无障碍账单识别服务已连接")
+        loadPageSignatures()
+        configureService()
+    }
+
+    /** 动态配置服务能力（截图 + 页面变化监听）。 */
+    private fun configureService() {
+        val info = AccessibilityServiceInfo().apply {
+            eventTypes = AccessibilityEvent.TYPE_WINDOW_STATE_CHANGED or
+                         AccessibilityEvent.TYPE_WINDOW_CONTENT_CHANGED
+            feedbackType = AccessibilityServiceInfo.FEEDBACK_GENERIC
+            flags = AccessibilityServiceInfo.FLAG_REQUEST_ENHANCED_WEB_ACCESSIBILITY or
+                    AccessibilityServiceInfo.FLAG_RETRIEVE_INTERACTIVE_WINDOWS or
+                    AccessibilityServiceInfo.DEFAULT
+            notificationTimeout = 100L
+        }
+        serviceInfo = info
+    }
+
+    override fun onAccessibilityEvent(event: AccessibilityEvent?) {
+        if (ocrDoing) return  // 处理中，跳过
+        val eventPackage = event?.packageName?.toString() ?: return
+
+        when (event.eventType) {
+            AccessibilityEvent.TYPE_WINDOW_STATE_CHANGED -> {
+                val activityName = event.className?.toString() ?: ""
+                if (filterPackage(eventPackage, activityName)) return
+                topPackage = eventPackage
+                topActivity = activityName
+                Log.d(TAG, "页面切换: $eventPackage / $activityName")
+                
+                // 更新悬浮窗助手状态
+                updateFloatingHelperVisibility(eventPackage)
+
+                if (PAYMENT_PACKAGES.contains(eventPackage)) {
+                    scheduleContentChange()
+                }
+
+                // 调试：如果是微信或支付宝，延迟 800ms 抓取并打印全屏无障碍文本内容
+                if (eventPackage == "com.tencent.mm" || eventPackage == "com.eg.android.AlipayGphone") {
+                    handler.postDelayed({
+                        val rootNode = rootInActiveWindow
+                        val texts = mutableListOf<String>()
+                        dumpNodeTexts(rootNode, texts)
+                        rootNode?.recycle()
+
+                        val reactContext = ReactContextHolder.context
+                        if (reactContext != null) {
+                            try {
+                                val map = WritableNativeMap().apply {
+                                    putString("package", eventPackage)
+                                    putString("activity", activityName)
+                                    val array = WritableNativeArray()
+                                    for (t in texts) {
+                                        array.pushString(t)
+                                    }
+                                    putArray("texts", array)
+                                }
+                                reactContext
+                                    .getJSModule(DeviceEventManagerModule.RCTDeviceEventEmitter::class.java)
+                                    .emit("billingDebugNodes", map)
+                            } catch (e: Exception) {
+                                // 忽略
+                            }
+                        }
+                    }, 800)
+                }
+            }
+            AccessibilityEvent.TYPE_WINDOW_CONTENT_CHANGED -> {
+                if (PAYMENT_PACKAGES.contains(eventPackage)) {
+                    scheduleContentChange()
+                }
+            }
+        }
+    }
+
+    private fun updateFloatingHelperVisibility(pkg: String?) {
+        handler.post {
+            if (pkg != null && PAYMENT_PACKAGES.contains(pkg)) {
+                if (floatingHelper == null) {
+                    floatingHelper = FloatingHelper(this)
+                    floatingHelper?.show()
+                }
+            } else {
+                floatingHelper?.dismiss()
+                floatingHelper = null
+            }
+        }
+    }
+
+    /** 防抖：500ms 内的多次内容变化合并。 */
+    private fun scheduleContentChange() {
+        handler.removeCallbacks(debounceRunnable)
+        handler.postDelayed(debounceRunnable, CONTENT_CHANGE_DEBOUNCE_MS)
+    }
+
+    /** 内容变化处理：检查页面签名 → 提取文本 → 发送给 JS（JS 控制是否 OCR 兜底）。 */
+    private fun processContentChange() {
+        if (ocrDoing) return
+        val pkg = topPackage ?: return
+
+        // 横屏免打扰（plan.md「3.10」）
+        if (isLandscape()) {
+            Log.d(TAG, "横屏免打扰，跳过")
+            return
+        }
+
+        // 页面签名匹配（若已记住页面则触发）
+        val activity = topActivity ?: ""
+        val sigKey = "$pkg|$activity"
+        if (!pageSignatures.contains(sigKey)) {
+            return  // 未记住的页面不自动触发
+        }
+
+        // 抓取并提取屏幕所有无障碍文本，并推送至 JS 侧进行解析/控制
+        val rootNode = rootInActiveWindow
+        val texts = mutableListOf<String>()
+        dumpNodeTexts(rootNode, texts)
+        rootNode?.recycle()
+
+        val reactContext = ReactContextHolder.context
+        if (reactContext != null) {
+            try {
+                val map = WritableNativeMap().apply {
+                    putString("package", pkg)
+                    putString("activity", activity)
+                    putString("signature", sigKey)
+                    val array = WritableNativeArray()
+                    for (t in texts) {
+                        array.pushString(t)
+                    }
+                    putArray("texts", array)
+                }
+                reactContext
+                    .getJSModule(DeviceEventManagerModule.RCTDeviceEventEmitter::class.java)
+                    .emit("billingDebugNodes", map)
+            } catch (e: Exception) {
+                Log.e(TAG, "推送内容变化节点文本失败: ${e.message}")
+            }
+        }
+    }
+
+    /** 截图并触发 OCR 处理（Android 11+）。 */
+    private fun takeScreenshotAndProcess(packageName: String) {
+        if (ocrDoing) return
+        ocrDoing = true
+        if (Build.VERSION.SDK_INT < Build.VERSION_CODES.R) {
+            ocrDoing = false
+            return
+        }
+        try {
+            takeScreenshot(
+                Display.DEFAULT_DISPLAY,
+                mainExecutor,
+                object : TakeScreenshotCallback {
+                    override fun onSuccess(result: ScreenshotResult) {
+                        try {
+                            val bitmap = Bitmap.wrapHardwareBuffer(result.hardwareBuffer, result.colorSpace)
+                            result.hardwareBuffer.close()
+                            if (bitmap != null) {
+                                val base64 = bitmapToBase64(bitmap)
+                                bitmap.recycle()
+                                // 推送到 JS 层（NativeEventEmitter）
+                                sendScreenshotEvent(base64, packageName)
+                            }
+                        } finally {
+                            ocrDoing = false
+                        }
+                    }
+                    override fun onFailure(errorCode: Int) {
+                        Log.e(TAG, "截图失败: errorCode=$errorCode")
+                        ocrDoing = false
+                    }
+                }
+            )
+        } catch (e: Throwable) {
+            Log.e(TAG, "调用 takeScreenshot 失败: ${e.message}", e)
+            ocrDoing = false
+        }
+    }
+
+    /** 把截图以 base64 推送到 JS 层（由 JS 端 OcrProcessor 处理）。 */
+    private fun sendScreenshotEvent(base64: String, packageName: String) {
+        val reactContext = ReactContextHolder.context ?: return
+        try {
+            reactContext
+                .getJSModule(DeviceEventManagerModule.RCTDeviceEventEmitter::class.java)
+                .emit("billingScreenshot", writableMapOf(
+                    "base64" to base64,
+                    "packageName" to packageName,
+                    "timestamp" to System.currentTimeMillis()
+                ))
+        } catch (e: Exception) {
+            Log.e(TAG, "推送截图事件失败: ${e.message}")
+        }
+    }
+
+    /** 手动触发一次 OCR（临时隐藏悬浮窗避开遮挡，并在 150ms 后触发截图）。 */
+    fun triggerManualOcr() {
+        val pkg = topPackage ?: return
+        handler.post {
+            floatingHelper?.collapse()
+            floatingHelper?.hideTemporarily()
+        }
+        
+        // 150ms 后触发截图（此时悬浮窗已瞬间隐藏，避免遮挡和误匹配）
+        handler.postDelayed({
+            try {
+                takeScreenshotAndProcess(pkg)
+            } catch (e: Exception) {
+                Log.e(TAG, "手动触发 OCR 失败: ${e.message}")
+            } finally {
+                // 截图完成，瞬间恢复显示悬浮球
+                handler.post {
+                    floatingHelper?.showTemporarily()
+                }
+            }
+        }, 150)
+    }
+
+    /** 手动触发一次节点文本提取并发送到 JS，从而让 JS 优先尝试直接文本解析。 */
+    fun triggerManualExtraction() {
+        handler.post {
+            floatingHelper?.collapse()
+        }
+        val pkg = topPackage ?: return
+        val activity = topActivity ?: ""
+        val sigKey = "$pkg|$activity"
+
+        val rootNode = rootInActiveWindow
+        val texts = mutableListOf<String>()
+        dumpNodeTexts(rootNode, texts)
+        rootNode?.recycle()
+
+        val reactContext = ReactContextHolder.context
+        if (reactContext != null) {
+            try {
+                val map = WritableNativeMap().apply {
+                    putString("package", pkg)
+                    putString("activity", activity)
+                    putString("signature", sigKey)
+                    putBoolean("isManual", true)
+                    val array = WritableNativeArray()
+                    for (t in texts) {
+                        array.pushString(t)
+                    }
+                    putArray("texts", array)
+                }
+                reactContext
+                    .getJSModule(DeviceEventManagerModule.RCTDeviceEventEmitter::class.java)
+                    .emit("billingDebugNodes", map)
+            } catch (e: Exception) {
+                Log.e(TAG, "手动触发节点文本提取失败: ${e.message}")
+            }
+        }
+    }
+
+    /** 记住当前页面（用户主动标记应触发 OCR 的页面）。持久化到 SharedPreferences。 */
+    fun rememberCurrentPage() {
+        val pkg = topPackage ?: return
+        val activity = topActivity ?: ""
+        val sig = "$pkg|$activity"
+        if (pageSignatures.add(sig)) {
+            savePageSignatures()
+            Log.i(TAG, "已记住页面: $sig")
+            handler.post {
+                android.widget.Toast.makeText(this, "已记住页面签名:\n$sig", android.widget.Toast.LENGTH_LONG).show()
+            }
+            
+            // 抓取并提取屏幕所有无障碍文本
+            val texts = mutableListOf<String>()
+            val rootNode = rootInActiveWindow
+            dumpNodeTexts(rootNode, texts)
+            rootNode?.recycle()
+
+            // 推送事件到 JS 端，使 npx expo start 终端控制台可以接收并打印日志
+            val reactContext = ReactContextHolder.context
+            if (reactContext != null) {
+                try {
+                    val map = WritableNativeMap().apply {
+                        putString("package", pkg)
+                        putString("activity", activity)
+                        putString("signature", sig)
+                        val array = WritableNativeArray()
+                        for (t in texts) {
+                            array.pushString(t)
+                        }
+                        putArray("texts", array)
+                    }
+                    reactContext
+                        .getJSModule(DeviceEventManagerModule.RCTDeviceEventEmitter::class.java)
+                        .emit("billingPageRemembered", map)
+                } catch (e: Exception) {
+                    Log.e(TAG, "推送记住页面事件失败: ${e.message}")
+                }
+            }
+        } else {
+            handler.post {
+                android.widget.Toast.makeText(this, "该页面签名已存在:\n$sig", android.widget.Toast.LENGTH_LONG).show()
+            }
+        }
+    }
+
+    /** 获取已记住的页面签名列表（供 JS 端展示）。 */
+    fun getPageSignatures(): Set<String> {
+        return pageSignatures.toSet()
+    }
+
+    /** 清空所有已记住的页面签名。 */
+    fun clearPageSignatures() {
+        pageSignatures.clear()
+        try {
+            val prefs = getSharedPreferences(PREFS_NAME, Context.MODE_PRIVATE)
+            prefs.edit().remove(PREF_PAGE_SIGNATURES).apply()
+            Log.i(TAG, "已清空全部记住的页面并从 SharedPreferences 中移除键值")
+        } catch (e: Exception) {
+            Log.e(TAG, "清空 SharedPreferences 失败: ${e.message}")
+        }
+    }
+
+    /** 删除指定页面签名。 */
+    fun removePageSignature(sig: String) {
+        if (pageSignatures.remove(sig)) {
+            savePageSignatures()
+            Log.i(TAG, "已删除页面签名: $sig")
+        }
+    }
+
+    /** 获取当前顶部包名（供 JS 判断当前页面）。 */
+    fun getTopPackage(): String? = topPackage
+
+    /** 获取当前顶部 Activity。 */
+    fun getTopActivity(): String? = topActivity
+
+    /** 从 SharedPreferences 加载已记住的页面签名。 */
+    private fun loadPageSignatures() {
+        try {
+            val prefs = getSharedPreferences(PREFS_NAME, Context.MODE_PRIVATE)
+            val saved = prefs.getStringSet(PREF_PAGE_SIGNATURES, emptySet()) ?: emptySet()
+            pageSignatures.clear()
+            pageSignatures.addAll(saved)
+            Log.i(TAG, "已加载 ${pageSignatures.size} 个记住的页面签名")
+        } catch (e: Exception) {
+            Log.e(TAG, "加载页面签名失败: ${e.message}")
+        }
+    }
+
+    /** 保存页面签名到 SharedPreferences。 */
+    private fun savePageSignatures() {
+        try {
+            val prefs = getSharedPreferences(PREFS_NAME, Context.MODE_PRIVATE)
+            if (pageSignatures.isEmpty()) {
+                prefs.edit().remove(PREF_PAGE_SIGNATURES).apply()
+            } else {
+                prefs.edit().putStringSet(PREF_PAGE_SIGNATURES, HashSet(pageSignatures)).apply()
+            }
+        } catch (e: Exception) {
+            Log.e(TAG, "保存页面签名失败: ${e.message}")
+        }
+    }
+
+    /** 横屏检测（plan.md「3.10 横屏免打扰」）。 */
+    private fun isLandscape(): Boolean {
+        val dm = getSystemService(DisplayManager::class.java)?.getDisplay(Display.DEFAULT_DISPLAY)
+            ?: return false
+        val rotation = dm.rotation
+        return rotation == Surface.ROTATION_90 || rotation == Surface.ROTATION_270
+    }
+
+    /** 过滤系统组件/桌面（不触发 OCR）。 */
+    private fun filterPackage(pkg: String, className: String): Boolean {
+        val p = pkg.lowercase()
+        // 针对自身应用的特殊过滤：只允许 MainActivity 通过以触发隐藏悬浮窗；
+        // 其他自身组件（如悬浮球容器 LinearLayout）一律过滤，避免自毁式关闭。
+        if (pkg == packageName) {
+            return className != "com.example.beanmobile.MainActivity"
+        }
+        if (p == "android" || p.startsWith("com.android.") || p.startsWith("com.google.android.")) return true
+        if (p.contains("systemui") || p.contains("settings") || p.contains("inputmethod") || p.contains("keyboard") || p.contains("input")) return true
+        if (LAUNCHER_PACKAGES.any { p.contains(it) }) return true
+        return false
+    }
+
+    /** Bitmap → base64（JPEG 质量 60，参考 AutoAccounting bitmapToBase64）。 */
+    private fun bitmapToBase64(bitmap: Bitmap): String {
+        // 安全起见，如果 bitmap 是 HARDWARE 格式，将其复制为 ARGB_8888 软件格式
+        val softwareBitmap = if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.O && bitmap.config == Bitmap.Config.HARDWARE) {
+            bitmap.copy(Bitmap.Config.ARGB_8888, false)
+        } else {
+            bitmap
+        }
+        val baos = ByteArrayOutputStream()
+        softwareBitmap.compress(Bitmap.CompressFormat.JPEG, 60, baos)
+        if (softwareBitmap !== bitmap) {
+            softwareBitmap.recycle()
+        }
+        return "data:image/jpeg;base64," + Base64.encodeToString(baos.toByteArray(), Base64.NO_WRAP)
+    }
+
+    /** 辅助：构造 WritableNativeMap。 */
+    private fun writableMapOf(vararg pairs: Pair<String, Any?>): WritableNativeMap {
+        val map = WritableNativeMap()
+        for ((k, v) in pairs) {
+            when (v) {
+                is String -> map.putString(k, v)
+                is Int -> map.putInt(k, v)
+                is Long -> map.putDouble(k, v.toDouble())
+                is Boolean -> map.putBoolean(k, v)
+                is Number -> map.putDouble(k, v.toDouble())
+                is WritableNativeMap -> map.putMap(k, v)
+                is WritableNativeArray -> map.putArray(k, v)
+                else -> map.putNull(k)
+            }
+        }
+        return map
+    }
+
+    /** 将当前应用拉到前台以显示确认弹窗 */
+    fun bringAppToForeground() {
+        try {
+            val intent = packageManager.getLaunchIntentForPackage(packageName)
+            if (intent != null) {
+                intent.addFlags(android.content.Intent.FLAG_ACTIVITY_NEW_TASK or android.content.Intent.FLAG_ACTIVITY_RESET_TASK_IF_NEEDED)
+                startActivity(intent)
+                Log.i(TAG, "已成功拉起本应用到前台显示弹窗")
+            }
+        } catch (e: Exception) {
+            Log.e(TAG, "拉起应用到前台失败: ${e.message}")
+        }
+    }
+
+    /** 递归提取无障碍节点树的全部文本。 */
+    private fun dumpNodeTexts(node: AccessibilityNodeInfo?, list: MutableList<String>) {
+        if (node == null) return
+        val text = node.text?.toString()
+        if (!text.isNullOrBlank()) {
+            list.add(text)
+        }
+        val childCount = node.childCount
+        for (i in 0 until childCount) {
+            val child = node.getChild(i) ?: continue
+            dumpNodeTexts(child, list)
+            child.recycle()
+        }
+    }
+
+    /** 递归遍历无障碍节点树，检查是否包含指定的任意一个关键字。 */
+    private fun findTextInNode(node: AccessibilityNodeInfo?, keywords: List<String>): Boolean {
+        if (node == null) return false
+        val text = node.text?.toString()
+        if (text != null) {
+            for (keyword in keywords) {
+                if (text.contains(keyword)) {
+                    return true
+                }
+            }
+        }
+        val childCount = node.childCount
+        for (i in 0 until childCount) {
+            val child = node.getChild(i) ?: continue
+            val found = findTextInNode(child, keywords)
+            child.recycle()
+            if (found) return true
+        }
+        return false
+    }
+
+    override fun onInterrupt() {
+        Log.w(TAG, "无障碍服务被中断")
+    }
+
+    override fun onUnbind(intent: android.content.Intent?): Boolean {
+        floatingHelper?.dismiss()
+        floatingHelper = null
+        instance = null
+        return super.onUnbind(intent)
+    }
+}
+
+/**
+ * RN 上下文持有者（由 MainApplication 注入）。
+ * 无障碍服务运行在系统进程，需通过静态引用访问 RN 上下文以发送事件。
+ */
+object ReactContextHolder {
+    @Volatile var context: ReactApplicationContext? = null
+}
--- a/plugins/accessibility/android/FloatingBillView.kt
+++ b/plugins/accessibility/android/FloatingBillView.kt
@ -0,0 +1,739 @@
+package com.beancount.mobile.accessibility
+
+import android.content.Context
+import android.graphics.PixelFormat
+import android.os.Handler
+import android.os.Looper
+import android.util.Log
+import android.graphics.drawable.GradientDrawable
+import android.view.Gravity
+import android.view.View
+import android.view.WindowManager
+import android.widget.Button
+import android.widget.TextView
+import android.widget.EditText
+import android.widget.HorizontalScrollView
+import android.widget.LinearLayout
+import android.text.InputType
+import com.facebook.react.bridge.WritableNativeMap
+import com.facebook.react.modules.core.DeviceEventManagerModule
+
+/**
+ * 浮窗账单提示（直接呈现高度优化、支持三方向切换的修改入账面板）。
+ */
+class FloatingBillView(
+    private val context: Context,
+    private val draftId: String,
+    private val amount: String,
+    private val merchant: String,
+    private val time: String,
+    private val packageName: String,
+    private val categories: List<Map<String, String>> = emptyList(),
+    private val accounts: List<String> = emptyList(),
+    private val initialDirection: String = "expense"
+) {
+    companion object {
+        private const val TAG = "FloatingBillView"
+    }
+
+    private val windowManager = context.getSystemService(Context.WINDOW_SERVICE) as WindowManager
+    private var view: View? = null
+    private val handler = Handler(Looper.getMainLooper())
+    private var selectedCategoryAccount: String = ""
+    private var selectedSourceAccount: String = ""
+    private var currentDirection: String = "expense"
+
+    private var categoryLabel: TextView? = null
+    private var categoryContainer: LinearLayout? = null
+    private var accountLabel: TextView? = null
+    private var accountContainer: LinearLayout? = null
+    private var saveBtn: Button? = null
+
+    private fun dp(value: Float): Int {
+        val density = context.resources.displayMetrics.density
+        return (value * density).toInt()
+    }
+
+    private fun createChipView(text: String): TextView {
+        return TextView(context).apply {
+            this.text = text
+            textSize = 11f
+            setPadding(dp(8f), dp(4f), dp(8f), dp(4f))
+            layoutParams = LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.WRAP_CONTENT,
+                LinearLayout.LayoutParams.WRAP_CONTENT
+            ).apply {
+                rightMargin = dp(6f)
+            }
+        }
+    }
+
+    /** 显示悬浮窗。 */
+    fun show() {
+        try {
+            currentDirection = if (initialDirection == "income" || initialDirection == "transfer") initialDirection else "expense"
+
+            // 1. 设置 Window 布局参数使其可聚焦（用以键盘输入）并贴靠屏幕底部
+            val windowParams = WindowManager.LayoutParams(
+                dp(310f),
+                WindowManager.LayoutParams.WRAP_CONTENT,
+                WindowManager.LayoutParams.TYPE_APPLICATION_OVERLAY,
+                0, // 0 标志代表可获取焦点
+                PixelFormat.TRANSLUCENT
+            ).apply {
+                gravity = Gravity.BOTTOM or Gravity.CENTER_HORIZONTAL
+                y = dp(12f) // 尽量靠下以留出上方账单对照区
+            }
+
+            // 2. 使用 55% 透明度 OLED 磨砂效果背景，发光靛蓝细边框
+            val containerBg = GradientDrawable().apply {
+                shape = GradientDrawable.RECTANGLE
+                cornerRadius = dp(14f).toFloat()
+                setColor(0x8C050506.toInt()) // 55% 透明度 OLED 黑色
+                setStroke(dp(1.2f), 0x995E6AD2.toInt()) // 60% 透明度靛蓝发光边框
+            }
+
+            val container = LinearLayout(context).apply {
+                orientation = LinearLayout.VERTICAL
+                background = containerBg
+                setPadding(dp(12f), dp(8f), dp(12f), dp(8f))
+                layoutParams = LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT,
+                    LinearLayout.LayoutParams.WRAP_CONTENT
+                )
+            }
+
+            // 顶部标题与方向选择器布局
+            val headerLayout = LinearLayout(context).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_VERTICAL
+                layoutParams = LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT,
+                    LinearLayout.LayoutParams.WRAP_CONTENT
+                )
+            }
+
+            val titleText = TextView(context).apply {
+                text = "调整交易草稿"
+                textSize = 12f
+                setTextColor(0xFF98A2FF.toInt())
+                paint.isFakeBoldText = true
+                layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
+            }
+            headerLayout.addView(titleText)
+
+            // 三方向分段选择器 (支出 / 收入 / 转账)
+            val segmentContainer = LinearLayout(context).apply {
+                orientation = LinearLayout.HORIZONTAL
+                background = GradientDrawable().apply {
+                    cornerRadius = dp(4f).toFloat()
+                    setColor(0x20FFFFFF.toInt()) // 12% white opacity
+                }
+            }
+
+            val tabTexts = listOf("支出", "收入", "转账")
+            val tabDirections = listOf("expense", "income", "transfer")
+            val tabViews = mutableListOf<TextView>()
+
+            fun updateTabStyle() {
+                for (i in tabViews.indices) {
+                    val active = tabDirections[i] == currentDirection
+                    tabViews[i].apply {
+                        setTextColor(if (active) 0xFFFFFFFF.toInt() else 0xFF9CA3AF.toInt())
+                        background = if (active) {
+                            GradientDrawable().apply {
+                                cornerRadius = dp(4f).toFloat()
+                                setColor(0xFF5E6AD2.toInt()) // Indigo highlight
+                            }
+                        } else {
+                            null
+                        }
+                    }
+                }
+            }
+
+            for (i in tabTexts.indices) {
+                val tab = TextView(context).apply {
+                    text = tabTexts[i]
+                    textSize = 10f
+                    setPadding(dp(6f), dp(3f), dp(6f), dp(3f))
+                    gravity = Gravity.CENTER
+                    setOnClickListener {
+                        if (currentDirection != tabDirections[i]) {
+                            currentDirection = tabDirections[i]
+                            updateTabStyle()
+                            rebuildChips()
+                        }
+                    }
+                }
+                segmentContainer.addView(tab)
+                tabViews.add(tab)
+            }
+            updateTabStyle()
+            headerLayout.addView(segmentContainer)
+            container.addView(headerLayout)
+
+            // 金额编辑
+            val amountLabel = TextView(context).apply {
+                text = "金额"
+                textSize = 9f
+                paint.isFakeBoldText = true
+                setTextColor(0xFF98A2FF.toInt())
+                setPadding(0, dp(4f), 0, dp(1f))
+            }
+            container.addView(amountLabel)
+
+            val amountInput = EditText(context).apply {
+                textSize = 13f
+                setTextColor(0xFFFFFFFF.toInt())
+                background = GradientDrawable().apply {
+                    setColor(0x4012131A.toInt()) // 25% 半透底色
+                    cornerRadius = dp(6f).toFloat()
+                    setStroke(dp(1f), 0x80222433.toInt())
+                }
+                setPadding(dp(10f), dp(4f), dp(10f), dp(4f))
+                inputType = InputType.TYPE_CLASS_NUMBER or InputType.TYPE_NUMBER_FLAG_DECIMAL
+                layoutParams = LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT,
+                    LinearLayout.LayoutParams.WRAP_CONTENT
+                )
+            }
+            container.addView(amountInput)
+            container.addView(View(context).apply { layoutParams = LinearLayout.LayoutParams(1, dp(3f)) })
+
+            // 商户编辑
+            val merchantLabel = TextView(context).apply {
+                text = "交易对手"
+                textSize = 9f
+                paint.isFakeBoldText = true
+                setTextColor(0xFF98A2FF.toInt())
+                setPadding(0, 0, 0, dp(1f))
+            }
+            container.addView(merchantLabel)
+
+            val merchantInput = EditText(context).apply {
+                setText(merchant)
+                textSize = 12f
+                setTextColor(0xFFFFFFFF.toInt())
+                background = GradientDrawable().apply {
+                    setColor(0x4012131A.toInt())
+                    cornerRadius = dp(6f).toFloat()
+                    setStroke(dp(1f), 0x80222433.toInt())
+                }
+                setPadding(dp(10f), dp(4f), dp(10f), dp(4f))
+                layoutParams = LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT,
+                    LinearLayout.LayoutParams.WRAP_CONTENT
+                )
+            }
+            container.addView(merchantInput)
+            container.addView(View(context).apply { layoutParams = LinearLayout.LayoutParams(1, dp(3f)) })
+
+            // 叙述备注编辑
+            val narrationLabel = TextView(context).apply {
+                text = "描述/备注"
+                textSize = 9f
+                paint.isFakeBoldText = true
+                setTextColor(0xFF98A2FF.toInt())
+                setPadding(0, 0, 0, dp(1f))
+            }
+            container.addView(narrationLabel)
+
+            val narrationInput = EditText(context).apply {
+                hint = "输入交易叙述"
+                setHintTextColor(0xFF6B7280.toInt())
+                textSize = 12f
+                setTextColor(0xFFFFFFFF.toInt())
+                background = GradientDrawable().apply {
+                    setColor(0x4012131A.toInt())
+                    cornerRadius = dp(6f).toFloat()
+                    setStroke(dp(1f), 0x80222433.toInt())
+                }
+                setPadding(dp(10f), dp(4f), dp(10f), dp(4f))
+                layoutParams = LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT,
+                    LinearLayout.LayoutParams.WRAP_CONTENT
+                )
+            }
+            container.addView(narrationInput)
+            container.addView(View(context).apply { layoutParams = LinearLayout.LayoutParams(1, dp(4f)) })
+
+            // Row 1 分类/转入选择
+            categoryLabel = TextView(context).apply {
+                text = "交易分类"
+                textSize = 9f
+                paint.isFakeBoldText = true
+                setTextColor(0xFF98A2FF.toInt())
+                setPadding(0, 0, 0, dp(2f))
+            }
+            container.addView(categoryLabel)
+
+            categoryContainer = LinearLayout(context).apply {
+                orientation = LinearLayout.HORIZONTAL
+            }
+
+            val categoryScroll = HorizontalScrollView(context).apply {
+                isHorizontalScrollBarEnabled = false
+                addView(categoryContainer)
+                layoutParams = LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT,
+                    LinearLayout.LayoutParams.WRAP_CONTENT
+                )
+            }
+            container.addView(categoryScroll)
+            container.addView(View(context).apply { layoutParams = LinearLayout.LayoutParams(1, dp(4f)) })
+
+            // Row 2 资金出入账户选择
+            accountLabel = TextView(context).apply {
+                text = "资金来源账户"
+                textSize = 9f
+                paint.isFakeBoldText = true
+                setTextColor(0xFF98A2FF.toInt())
+                setPadding(0, 0, 0, dp(2f))
+            }
+            container.addView(accountLabel)
+
+            accountContainer = LinearLayout(context).apply {
+                orientation = LinearLayout.HORIZONTAL
+            }
+
+            val accountScroll = HorizontalScrollView(context).apply {
+                isHorizontalScrollBarEnabled = false
+                addView(accountContainer)
+                layoutParams = LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT,
+                    LinearLayout.LayoutParams.WRAP_CONTENT
+                )
+            }
+            container.addView(accountScroll)
+            container.addView(View(context).apply { layoutParams = LinearLayout.LayoutParams(1, dp(8f)) })
+
+            // 底部操作栏
+            val btnContainer = LinearLayout(context).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER
+                layoutParams = LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT,
+                    LinearLayout.LayoutParams.WRAP_CONTENT
+                )
+            }
+
+            // 1) 打开应用按钮
+            val openAppBtn = Button(context).apply {
+                text = "打开应用"
+                setTextColor(0xFFD1D5DB.toInt())
+                background = GradientDrawable().apply {
+                    shape = GradientDrawable.RECTANGLE
+                    cornerRadius = dp(8f).toFloat()
+                    setColor(0xFF1F2937.toInt())
+                    setStroke(dp(1f), 0xFF374151.toInt())
+                }
+                textSize = 11f
+                layoutParams = LinearLayout.LayoutParams(0, dp(32f), 1f).apply { rightMargin = dp(6f) }
+                setOnClickListener {
+                    val newAmount = amountInput.text.toString().trim()
+                    val newPayee = merchantInput.text.toString().trim()
+                    val newNarration = narrationInput.text.toString().trim()
+
+                    sendOpenAppEvent(newAmount, newPayee, newNarration, selectedCategoryAccount, selectedSourceAccount)
+                    dismiss()
+                    BillingAccessibilityService.instance?.bringAppToForeground()
+                }
+            }
+
+            // 2) 忽略按钮
+            val cancelBg = GradientDrawable().apply {
+                shape = GradientDrawable.RECTANGLE
+                cornerRadius = dp(8f).toFloat()
+                setColor(0xFF1F2937.toInt())
+                setStroke(dp(1f), 0xFF374151.toInt())
+            }
+            val cancelBtn = Button(context).apply {
+                text = "忽略"
+                setTextColor(0xFFD1D5DB.toInt())
+                background = cancelBg
+                textSize = 11f
+                layoutParams = LinearLayout.LayoutParams(0, dp(32f), 1f).apply { rightMargin = dp(6f) }
+                setOnClickListener {
+                    sendCancelEvent()
+                    dismiss()
+                }
+            }
+
+            // 3) 确认入账按钮
+            val saveBg = GradientDrawable().apply {
+                shape = GradientDrawable.RECTANGLE
+                cornerRadius = dp(8f).toFloat()
+                setColor(0xFF5E6AD2.toInt())
+            }
+            saveBtn = Button(context).apply {
+                text = "确认入账"
+                setTextColor(0xFFFFFFFF.toInt())
+                background = saveBg
+                textSize = 11f
+                paint.isFakeBoldText = true
+                layoutParams = LinearLayout.LayoutParams(0, dp(32f), 1.3f)
+                setOnClickListener {
+                    val newAmount = amountInput.text.toString().trim()
+                    val newPayee = merchantInput.text.toString().trim()
+                    val newNarration = narrationInput.text.toString().trim()
+
+                    sendSaveEvent(newAmount, newPayee, newNarration, selectedCategoryAccount, selectedSourceAccount)
+                    dismiss()
+                }
+            }
+
+            btnContainer.addView(openAppBtn)
+            btnContainer.addView(cancelBtn)
+            btnContainer.addView(saveBtn)
+            container.addView(btnContainer)
+
+            // 构建金额安全校验
+            val amountWatcher = object : android.text.TextWatcher {
+                override fun beforeTextChanged(s: CharSequence?, start: Int, count: Int, after: Int) {}
+                override fun onTextChanged(s: CharSequence?, start: Int, before: Int, count: Int) {}
+                override fun afterTextChanged(s: android.text.Editable?) {
+                    try {
+                        val text = s?.toString()?.trim() ?: ""
+                        val value = text.toDoubleOrNull()
+                        val isValid = value != null && !value.isNaN() && !value.isInfinite() && value > 0.0
+                        saveBtn?.isEnabled = isValid
+                        saveBtn?.background = GradientDrawable().apply {
+                            cornerRadius = dp(8f).toFloat()
+                            setColor(if (isValid) 0xFF5E6AD2.toInt() else 0xFF374151.toInt())
+                        }
+                        saveBtn?.setTextColor(if (isValid) 0xFFFFFFFF.toInt() else 0xFF9CA3AF.toInt())
+                    } catch (e: Exception) {
+                        Log.e(TAG, "金额校验异常", e)
+                        saveBtn?.isEnabled = false
+                    }
+                }
+            }
+            amountInput.addTextChangedListener(amountWatcher)
+
+            // 填充金额触发 Watcher 校验
+            amountInput.setText(amount)
+
+            // 动态初始构建两行胶囊
+            rebuildChips()
+
+            view = container
+            windowManager.addView(view, windowParams)
+            Log.i(TAG, "悬浮修改记账面板已显示: ¥$amount")
+
+            // 用户一旦进行任何交互（触摸面板或获得输入焦点），立刻取消自动消失定时器
+            val cancelTimerListener = View.OnFocusChangeListener { _, hasFocus ->
+                if (hasFocus) {
+                    handler.removeCallbacksAndMessages(null)
+                    Log.d(TAG, "已获得输入焦点，取消自动消失定时器")
+                }
+            }
+            amountInput.onFocusChangeListener = cancelTimerListener
+            merchantInput.onFocusChangeListener = cancelTimerListener
+            narrationInput.onFocusChangeListener = cancelTimerListener
+
+            container.setOnTouchListener { _, _ ->
+                handler.removeCallbacksAndMessages(null)
+                Log.d(TAG, "已触摸卡片，取消自动消失定时器")
+                false
+            }
+
+            // 15 秒无操作自动消失（如果用户没有交互的话）
+            handler.postDelayed({
+                sendCancelEvent()
+                dismiss()
+            }, 15000L)
+
+        } catch (e: Exception) {
+            Log.e(TAG, "悬浮账单面板显示失败: ${e.message}", e)
+        }
+    }
+
+    /** 动态根据交易方向重绘第一行与第二行滑动的胶囊列表 */
+    private fun rebuildChips() {
+        categoryContainer?.removeAllViews()
+        accountContainer?.removeAllViews()
+
+        val categoryChips = mutableListOf<Pair<String, TextView>>()
+        val accountChips = mutableListOf<Pair<String, TextView>>()
+
+        // === 1. 绘制第一行 (分类 / 转入) ===
+        if (currentDirection == "expense") {
+            categoryLabel?.text = "交易分类"
+            val filteredCats = categories.filter { it["type"] == "expense" }
+            for (cat in filteredCats) {
+                val catAccount = cat["account"] ?: ""
+                val catName = cat["name"] ?: ""
+                val chip = createChipView(catName)
+
+                fun updateStyle(selected: String) {
+                    for (pair in categoryChips) {
+                        val active = pair.first == selected
+                        pair.second.background = GradientDrawable().apply {
+                            cornerRadius = dp(6f).toFloat()
+                            if (active) setColor(0xFF5E6AD2.toInt())
+                            else {
+                                setColor(0x4012131A.toInt())
+                                setStroke(dp(1f), 0x80222433.toInt())
+                            }
+                        }
+                        pair.second.setTextColor(if (active) 0xFFFFFFFF.toInt() else 0xFF9CA3AF.toInt())
+                    }
+                }
+
+                chip.setOnClickListener {
+                    selectedCategoryAccount = catAccount
+                    updateStyle(catAccount)
+                }
+                categoryContainer?.addView(chip)
+                categoryChips.add(catAccount to chip)
+            }
+            selectedCategoryAccount = filteredCats.firstOrNull()?.get("account") ?: ""
+            categoryChips.forEach { pair ->
+                val active = pair.first == selectedCategoryAccount
+                pair.second.background = GradientDrawable().apply {
+                    cornerRadius = dp(6f).toFloat()
+                    if (active) setColor(0xFF5E6AD2.toInt())
+                    else {
+                        setColor(0x4012131A.toInt())
+                        setStroke(dp(1f), 0x80222433.toInt())
+                    }
+                }
+                pair.second.setTextColor(if (active) 0xFFFFFFFF.toInt() else 0xFF9CA3AF.toInt())
+            }
+
+        } else if (currentDirection == "income") {
+            categoryLabel?.text = "收入分类"
+            val filteredCats = categories.filter { it["type"] == "income" }
+            for (cat in filteredCats) {
+                val catAccount = cat["account"] ?: ""
+                val catName = cat["name"] ?: ""
+                val chip = createChipView(catName)
+
+                fun updateStyle(selected: String) {
+                    for (pair in categoryChips) {
+                        val active = pair.first == selected
+                        pair.second.background = GradientDrawable().apply {
+                            cornerRadius = dp(6f).toFloat()
+                            if (active) setColor(0xFF5E6AD2.toInt())
+                            else {
+                                setColor(0x4012131A.toInt())
+                                setStroke(dp(1f), 0x80222433.toInt())
+                            }
+                        }
+                        pair.second.setTextColor(if (active) 0xFFFFFFFF.toInt() else 0xFF9CA3AF.toInt())
+                    }
+                }
+
+                chip.setOnClickListener {
+                    selectedCategoryAccount = catAccount
+                    updateStyle(catAccount)
+                }
+                categoryContainer?.addView(chip)
+                categoryChips.add(catAccount to chip)
+            }
+            selectedCategoryAccount = filteredCats.firstOrNull()?.get("account") ?: ""
+            categoryChips.forEach { pair ->
+                val active = pair.first == selectedCategoryAccount
+                pair.second.background = GradientDrawable().apply {
+                    cornerRadius = dp(6f).toFloat()
+                    if (active) setColor(0xFF5E6AD2.toInt())
+                    else {
+                        setColor(0x4012131A.toInt())
+                        setStroke(dp(1f), 0x80222433.toInt())
+                    }
+                }
+                pair.second.setTextColor(if (active) 0xFFFFFFFF.toInt() else 0xFF9CA3AF.toInt())
+            }
+
+        } else {
+            // transfer
+            categoryLabel?.text = "转入账户"
+            for (acct in accounts) {
+                val shortName = acct.split(":").lastOrNull() ?: acct
+                val chip = createChipView(shortName)
+
+                fun updateStyle(selected: String) {
+                    for (pair in categoryChips) {
+                        val active = pair.first == selected
+                        pair.second.background = GradientDrawable().apply {
+                            cornerRadius = dp(6f).toFloat()
+                            if (active) setColor(0xFF10B981.toInt())
+                            else {
+                                setColor(0x4012131A.toInt())
+                                setStroke(dp(1f), 0x80222433.toInt())
+                            }
+                        }
+                        pair.second.setTextColor(if (active) 0xFFFFFFFF.toInt() else 0xFF9CA3AF.toInt())
+                    }
+                }
+
+                chip.setOnClickListener {
+                    selectedCategoryAccount = acct
+                    updateStyle(acct)
+                }
+                categoryContainer?.addView(chip)
+                categoryChips.add(acct to chip)
+            }
+            selectedCategoryAccount = if (accounts.size > 1 && accounts[0] == selectedSourceAccount) accounts[1] else (accounts.firstOrNull() ?: "")
+            categoryChips.forEach { pair ->
+                val active = pair.first == selectedCategoryAccount
+                pair.second.background = GradientDrawable().apply {
+                    cornerRadius = dp(6f).toFloat()
+                    if (active) setColor(0xFF10B981.toInt())
+                    else {
+                        setColor(0x4012131A.toInt())
+                        setStroke(dp(1f), 0x80222433.toInt())
+                    }
+                }
+                pair.second.setTextColor(if (active) 0xFFFFFFFF.toInt() else 0xFF9CA3AF.toInt())
+            }
+        }
+
+        // === 2. 绘制第二行 (资金账户) ===
+        if (currentDirection == "expense") {
+            accountLabel?.text = "资金来源"
+        } else if (currentDirection == "income") {
+            accountLabel?.text = "存入账户"
+        } else {
+            accountLabel?.text = "转出账户"
+        }
+
+        for (acct in accounts) {
+            val shortName = acct.split(":").lastOrNull() ?: acct
+            val chip = createChipView(shortName)
+
+            fun updateStyle(selected: String) {
+                for (pair in accountChips) {
+                    val active = pair.first == selected
+                    pair.second.background = GradientDrawable().apply {
+                        cornerRadius = dp(6f).toFloat()
+                        if (active) {
+                            setColor(if (currentDirection == "income") 0xFF10B981.toInt() else 0xFFE11D48.toInt())
+                        } else {
+                            setColor(0x4012131A.toInt())
+                            setStroke(dp(1f), 0x80222433.toInt())
+                        }
+                    }
+                    pair.second.setTextColor(if (active) 0xFFFFFFFF.toInt() else 0xFF9CA3AF.toInt())
+                }
+            }
+
+            chip.setOnClickListener {
+                selectedSourceAccount = acct
+                updateStyle(acct)
+
+                // 若是转账，且转入转出账户冲突，自动移开转入账户
+                if (currentDirection == "transfer" && selectedCategoryAccount == selectedSourceAccount) {
+                    val nextAvail = categoryChips.find { it.first != selectedSourceAccount }
+                    if (nextAvail != null) {
+                        selectedCategoryAccount = nextAvail.first
+                        for (p in categoryChips) {
+                            val act = p.first == selectedCategoryAccount
+                            p.second.background = GradientDrawable().apply {
+                                cornerRadius = dp(6f).toFloat()
+                                if (act) setColor(0xFF10B981.toInt())
+                                else {
+                                    setColor(0x4012131A.toInt())
+                                    setStroke(dp(1f), 0x80222433.toInt())
+                                }
+                            }
+                            p.second.setTextColor(if (act) 0xFFFFFFFF.toInt() else 0xFF9CA3AF.toInt())
+                        }
+                    }
+                }
+            }
+            accountContainer?.addView(chip)
+            accountChips.add(acct to chip)
+        }
+
+        selectedSourceAccount = accounts.firstOrNull() ?: ""
+        accountChips.forEach { pair ->
+            val active = pair.first == selectedSourceAccount
+            pair.second.background = GradientDrawable().apply {
+                cornerRadius = dp(6f).toFloat()
+                if (active) {
+                    setColor(if (currentDirection == "income") 0xFF10B981.toInt() else 0xFFE11D48.toInt())
+                } else {
+                    setColor(0x4012131A.toInt())
+                    setStroke(dp(1f), 0x80222433.toInt())
+                }
+            }
+            pair.second.setTextColor(if (active) 0xFFFFFFFF.toInt() else 0xFF9CA3AF.toInt())
+        }
+    }
+
+    /** 推送保存事件到 JS 层。 */
+    private fun sendSaveEvent(newAmount: String, newPayee: String, newNarration: String, categoryAccount: String, sourceAccount: String) {
+        val reactContext = ReactContextHolder.context ?: return
+        try {
+            val map = WritableNativeMap().apply {
+                putString("draftId", draftId)
+                putString("amount", newAmount)
+                putString("merchant", newPayee)
+                putString("narration", newNarration)
+                putString("category", categoryAccount)
+                putString("account", sourceAccount)
+                putString("time", time)
+                putString("direction", currentDirection)
+                putString("packageName", packageName)
+                putBoolean("confirmed", true)
+                putBoolean("editRequested", false)
+                putBoolean("isManualEdit", true)
+            }
+            reactContext
+                .getJSModule(DeviceEventManagerModule.RCTDeviceEventEmitter::class.java)
+                .emit("billingConfirmed", map)
+        } catch (e: Exception) {
+            Log.e(TAG, "推送修改保存事件失败: ${e.message}")
+        }
+    }
+
+    /** 推送打开应用事件到 JS 层，以便前台加载详细表单。 */
+    private fun sendOpenAppEvent(newAmount: String, newPayee: String, newNarration: String, categoryAccount: String, sourceAccount: String) {
+        val reactContext = ReactContextHolder.context ?: return
+        try {
+            val map = WritableNativeMap().apply {
+                putString("draftId", draftId)
+                putString("amount", newAmount)
+                putString("merchant", newPayee)
+                putString("narration", newNarration)
+                putString("category", categoryAccount)
+                putString("account", sourceAccount)
+                putString("time", time)
+                putString("direction", currentDirection)
+                putString("packageName", packageName)
+            }
+            reactContext
+                .getJSModule(DeviceEventManagerModule.RCTDeviceEventEmitter::class.java)
+                .emit("billingOpenApp", map)
+        } catch (e: Exception) {
+            Log.e(TAG, "推送打开应用事件失败: ${e.message}")
+        }
+    }
+
+    /** 推送取消/忽略事件到 JS 层。 */
+    private fun sendCancelEvent() {
+        val reactContext = ReactContextHolder.context ?: return
+        try {
+            val map = WritableNativeMap().apply {
+                putString("draftId", draftId)
+                putBoolean("confirmed", false)
+            }
+            reactContext
+                .getJSModule(DeviceEventManagerModule.RCTDeviceEventEmitter::class.java)
+                .emit("billingConfirmed", map)
+        } catch (e: Exception) {
+            Log.e(TAG, "推送取消事件失败: ${e.message}")
+        }
+    }
+
+    /** 关闭浮窗。 */
+    fun dismiss() {
+        handler.removeCallbacksAndMessages(null)
+        try {
+            view?.let { windowManager.removeView(it) }
+        } catch (_: Exception) {}
+        view = null
+    }
+}
--- a/plugins/accessibility/android/FloatingHelper.kt
+++ b/plugins/accessibility/android/FloatingHelper.kt
@ -0,0 +1,418 @@
+package com.beancount.mobile.accessibility
+
+import android.annotation.SuppressLint
+import android.content.Context
+import android.graphics.Canvas
+import android.graphics.Paint
+import android.graphics.PixelFormat
+import android.graphics.RectF
+import android.graphics.drawable.Drawable
+import android.graphics.drawable.GradientDrawable
+import android.os.Handler
+import android.os.Looper
+import android.util.Log
+import android.view.Gravity
+import android.view.MotionEvent
+import android.view.View
+import android.view.WindowManager
+import android.widget.FrameLayout
+import android.widget.LinearLayout
+import android.widget.TextView
+
+/**
+ * 记账助手悬浮球（边缘竖线胶囊面板）。
+ * 贴合在屏幕边缘，采用高透、超轻量竖线指示器，点击后展开垂直对齐的功能菜单。
+ */
+class FloatingHelper(
+    private val service: BillingAccessibilityService
+) {
+    companion object {
+        private const val TAG = "FloatingHelper"
+        private var lastX = 0
+        private var lastY = 400
+    }
+
+    private val windowManager = service.getSystemService(Context.WINDOW_SERVICE) as WindowManager
+    private var containerView: LinearLayout? = null
+    private var bubbleView: View? = null
+    private var menuView: LinearLayout? = null
+    private var isExpanded = false
+
+    private val params = WindowManager.LayoutParams(
+        WindowManager.LayoutParams.WRAP_CONTENT,
+        WindowManager.LayoutParams.WRAP_CONTENT,
+        WindowManager.LayoutParams.TYPE_APPLICATION_OVERLAY,
+        WindowManager.LayoutParams.FLAG_NOT_FOCUSABLE or WindowManager.LayoutParams.FLAG_WATCH_OUTSIDE_TOUCH,
+        PixelFormat.TRANSLUCENT
+    ).apply {
+        gravity = Gravity.TOP or Gravity.START
+        x = lastX
+        y = lastY
+    }
+
+    @SuppressLint("ClickableViewAccessibility")
+    fun show() {
+        if (containerView != null) return
+
+        try {
+            val context = service
+
+            val density = service.resources.displayMetrics.density
+            fun dp(value: Float) = (value * density).toInt()
+
+            // 1. 创建整体包裹容器 (水平排列，当贴在左侧时，菜单向右展开)
+            containerView = LinearLayout(context).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_VERTICAL
+                setOnTouchListener { _, event ->
+                    if (event.action == MotionEvent.ACTION_OUTSIDE) {
+                        if (isExpanded) {
+                            collapse()
+                        }
+                    }
+                    false
+                }
+            }
+
+            // 2. 创建高透明度悬浮球/边缘竖线 (仅 3dp 宽的极简胶囊，搭配 24dp 的宽触控区)
+            val bubbleLayout = FrameLayout(context).apply {
+                layoutParams = LinearLayout.LayoutParams(dp(24f), dp(60f))
+            }
+
+            val indicatorView = View(context).apply {
+                background = GradientDrawable().apply {
+                    shape = GradientDrawable.RECTANGLE
+                    cornerRadius = dp(1.5f).toFloat() // 高度圆润
+                    setColor(0xB05E6AD2.toInt()) // 70% 高透靛蓝色，无边框
+                }
+                layoutParams = FrameLayout.LayoutParams(dp(3f), dp(44f)).apply {
+                    gravity = Gravity.CENTER
+                }
+            }
+            bubbleLayout.addView(indicatorView)
+            bubbleView = bubbleLayout
+
+            // 3. 创建展开菜单 (垂直布局，高紧凑度设计)
+            val menuBg = GradientDrawable().apply {
+                shape = GradientDrawable.RECTANGLE
+                cornerRadius = dp(10f).toFloat()
+                setColor(0xA611131E.toInt()) // 65% OLED high-transparency black
+                setStroke(dp(0.8f), 0x22FFFFFF.toInt()) // subtle 13% white border
+            }
+
+            menuView = LinearLayout(context).apply {
+                orientation = LinearLayout.VERTICAL
+                gravity = Gravity.CENTER_HORIZONTAL
+                background = menuBg
+                setPadding(dp(4f), dp(4f), dp(4f), dp(4f))
+                visibility = View.GONE
+                layoutParams = LinearLayout.LayoutParams(
+                    dp(96f), // ultra-compact width: 96dp
+                    LinearLayout.LayoutParams.WRAP_CONTENT
+                ).apply {
+                    leftMargin = dp(4f) // spacing with indicator line
+                }
+            }
+
+            // Vector icons
+            val sizePx = dp(14f)
+            val strokePx = dp(1.4f).toFloat()
+            val ocrIcon = ScanIconDrawable(0xFF818CF8.toInt(), strokePx, 0xFFF87171.toInt(), sizePx)
+            val pinIcon = PinIconDrawable(0xFF34D399.toInt(), strokePx, sizePx)
+
+            // Button 1: "识别账单"
+            val btnOcr = TextView(context).apply {
+                text = "识别账单"
+                setTextColor(0xFFFFFFFF.toInt())
+                textSize = 11f
+                paint.isFakeBoldText = true
+                gravity = Gravity.CENTER_VERTICAL
+                setPadding(dp(6f), 0, dp(6f), 0)
+                background = GradientDrawable().apply {
+                    cornerRadius = dp(7f).toFloat()
+                    setColor(0x1F5E6AD2.toInt()) // translucent indigo background
+                }
+                layoutParams = LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT,
+                    dp(32f)
+                ).apply {
+                    bottomMargin = dp(5f)
+                }
+                setCompoundDrawablesWithIntrinsicBounds(ocrIcon, null, null, null)
+                compoundDrawablePadding = dp(4f)
+                setOnTouchListener { view, event ->
+                    when (event.action) {
+                        MotionEvent.ACTION_DOWN -> {
+                            view.background = GradientDrawable().apply {
+                                cornerRadius = dp(7f).toFloat()
+                                setColor(0x405E6AD2.toInt())
+                            }
+                        }
+                        MotionEvent.ACTION_UP, MotionEvent.ACTION_CANCEL -> {
+                            view.background = GradientDrawable().apply {
+                                cornerRadius = dp(7f).toFloat()
+                                setColor(0x1F5E6AD2.toInt())
+                            }
+                            if (event.action == MotionEvent.ACTION_UP) {
+                                view.performClick()
+                            }
+                        }
+                    }
+                    true
+                }
+                setOnClickListener {
+                    service.triggerManualExtraction()
+                }
+            }
+
+            // Button 2: "记住此页"
+            val btnRemember = TextView(context).apply {
+                text = "记住此页"
+                setTextColor(0xFFE5E7EB.toInt())
+                textSize = 11f
+                paint.isFakeBoldText = true
+                gravity = Gravity.CENTER_VERTICAL
+                setPadding(dp(6f), 0, dp(6f), 0)
+                background = GradientDrawable().apply {
+                    cornerRadius = dp(7f).toFloat()
+                    setColor(0x15FFFFFF.toInt()) // subtle translucent gray
+                }
+                layoutParams = LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT,
+                    dp(32f)
+                )
+                setCompoundDrawablesWithIntrinsicBounds(pinIcon, null, null, null)
+                compoundDrawablePadding = dp(4f)
+                setOnTouchListener { view, event ->
+                    when (event.action) {
+                        MotionEvent.ACTION_DOWN -> {
+                            view.background = GradientDrawable().apply {
+                                cornerRadius = dp(7f).toFloat()
+                                setColor(0x30FFFFFF.toInt())
+                            }
+                        }
+                        MotionEvent.ACTION_UP, MotionEvent.ACTION_CANCEL -> {
+                            view.background = GradientDrawable().apply {
+                                cornerRadius = dp(7f).toFloat()
+                                setColor(0x15FFFFFF.toInt())
+                            }
+                            if (event.action == MotionEvent.ACTION_UP) {
+                                view.performClick()
+                            }
+                        }
+                    }
+                    true
+                }
+                setOnClickListener {
+                    try {
+                        service.rememberCurrentPage()
+                        FloatingTip(service, "📌 已将当前页面加入识别白名单！", FloatingTip.TipPosition.TOP, 2500L).show()
+                    } catch (e: Exception) {
+                        FloatingTip(service, "记录失败: ${e.message}", FloatingTip.TipPosition.TOP, 2500L).show()
+                    }
+                    collapse()
+                }
+            }
+
+            menuView?.addView(btnOcr)
+            menuView?.addView(btnRemember)
+
+            containerView?.addView(bubbleView)
+            containerView?.addView(menuView)
+
+            // 4. 设置悬浮条拖动事件 (点击即展开，拖动则调整位置)
+            var initialX = 0
+            var initialY = 0
+            var initialTouchX = 0f
+            var initialTouchY = 0f
+            var isMoving = false
+
+            bubbleView?.setOnTouchListener { _, event ->
+                when (event.action) {
+                    MotionEvent.ACTION_DOWN -> {
+                        initialX = params.x
+                        initialY = params.y
+                        initialTouchX = event.rawX
+                        initialTouchY = event.rawY
+                        isMoving = false
+                        true
+                    }
+                    MotionEvent.ACTION_MOVE -> {
+                        val dx = (event.rawX - initialTouchX).toInt()
+                        val dy = (event.rawY - initialTouchY).toInt()
+                        if (Math.abs(dx) > 10 || Math.abs(dy) > 10) {
+                            isMoving = true
+                        }
+                        params.x = initialX + dx
+                        params.y = initialY + dy
+                        containerView?.let { windowManager.updateViewLayout(it, params) }
+                        
+                        lastX = params.x
+                        lastY = params.y
+                        true
+                    }
+                    MotionEvent.ACTION_UP -> {
+                        if (!isMoving) {
+                            toggleMenu()
+                        } else {
+                            // 拖动抬起时自动吸附到屏幕边缘
+                            if (params.x < service.resources.displayMetrics.widthPixels / 2) {
+                                params.x = 0
+                            } else {
+                                params.x = service.resources.displayMetrics.widthPixels - dp(24f)
+                            }
+                            containerView?.let { windowManager.updateViewLayout(it, params) }
+                            
+                            lastX = params.x
+                            lastY = params.y
+                        }
+                        true
+                    }
+                    else -> false
+                }
+            }
+
+            windowManager.addView(containerView, params)
+            Log.i(TAG, "记账助手悬浮窗显示成功")
+        } catch (e: Exception) {
+            Log.e(TAG, "记账助手悬浮窗创建失败: ${e.message}", e)
+        }
+    }
+
+    private fun toggleMenu() {
+        if (isExpanded) {
+            collapse()
+        } else {
+            expand()
+        }
+    }
+
+    private fun expand() {
+        bubbleView?.visibility = View.GONE
+        menuView?.visibility = View.VISIBLE
+        isExpanded = true
+    }
+
+    fun collapse() {
+        menuView?.visibility = View.GONE
+        bubbleView?.visibility = View.VISIBLE
+        isExpanded = false
+    }
+
+    fun hideTemporarily() {
+        containerView?.visibility = View.GONE
+    }
+
+    fun showTemporarily() {
+        containerView?.visibility = View.VISIBLE
+    }
+
+    fun dismiss() {
+        try {
+            containerView?.let { windowManager.removeView(it) }
+        } catch (_: Exception) {}
+        containerView = null
+        bubbleView = null
+        menuView = null
+        isExpanded = false
+    }
+}
+
+/**
+ * 扫码/OCR 矢量图标 drawable。
+ */
+class ScanIconDrawable(
+    private val color: Int,
+    private val strokeWidthPx: Float,
+    private val laserColor: Int,
+    private val sizePx: Int
+) : Drawable() {
+    private val paint = Paint(Paint.ANTI_ALIAS_FLAG).apply {
+        style = Paint.Style.STROKE
+        strokeWidth = strokeWidthPx
+        strokeCap = Paint.Cap.ROUND
+    }
+
+    override fun draw(canvas: Canvas) {
+        val w = bounds.width().toFloat()
+        val h = bounds.height().toFloat()
+        paint.color = color
+        paint.style = Paint.Style.STROKE
+
+        // 绘制 4 个角的扫描框
+        val len = w * 0.25f
+        val pad = strokeWidthPx
+
+        // 左上
+        canvas.drawLine(pad, pad, pad + len, pad, paint)
+        canvas.drawLine(pad, pad, pad, pad + len, paint)
+
+        // 右上
+        canvas.drawLine(w - pad, pad, w - pad - len, pad, paint)
+        canvas.drawLine(w - pad, pad, w - pad, pad + len, paint)
+
+        // 左下
+        canvas.drawLine(pad, h - pad, pad + len, h - pad, paint)
+        canvas.drawLine(pad, h - pad, pad, h - pad - len, paint)
+
+        // 右下
+        canvas.drawLine(w - pad, h - pad, w - pad - len, h - pad, paint)
+        canvas.drawLine(w - pad, h - pad, w - pad, h - pad - len, paint)
+
+        // 绘制扫描红线 (激光)
+        paint.style = Paint.Style.FILL
+        paint.color = laserColor
+        val laserY = h / 2f
+        canvas.drawRect(pad * 2f, laserY - strokeWidthPx / 2f, w - pad * 2f, laserY + strokeWidthPx / 2f, paint)
+    }
+
+    override fun getIntrinsicWidth() = sizePx
+    override fun getIntrinsicHeight() = sizePx
+
+    override fun setAlpha(alpha: Int) {}
+    override fun setColorFilter(colorFilter: android.graphics.ColorFilter?) {}
+    override fun getOpacity() = PixelFormat.TRANSLUCENT
+}
+
+/**
+ * 图钉/记住当前页 矢量图标 drawable。
+ */
+class PinIconDrawable(
+    private val color: Int,
+    private val strokeWidthPx: Float,
+    private val sizePx: Int
+) : Drawable() {
+    private val paint = Paint(Paint.ANTI_ALIAS_FLAG).apply {
+        style = Paint.Style.STROKE
+        strokeWidth = strokeWidthPx
+        strokeCap = Paint.Cap.ROUND
+    }
+
+    override fun draw(canvas: Canvas) {
+        val w = bounds.width().toFloat()
+        val h = bounds.height().toFloat()
+        paint.color = color
+        val cx = w / 2f
+
+        // 图钉头部 (帽)
+        paint.style = Paint.Style.FILL
+        val hatW = w * 0.35f
+        val hatH = h * 0.12f
+        canvas.drawRoundRect(RectF(cx - hatW, hatH, cx + hatW, hatH * 2.2f), strokeWidthPx, strokeWidthPx, paint)
+
+        // 图钉身体 (中)
+        val bodyW = w * 0.22f
+        canvas.drawRect(cx - bodyW, hatH * 2.2f, cx + bodyW, h * 0.58f, paint)
+
+        // 针尖 (底)
+        paint.style = Paint.Style.STROKE
+        canvas.drawLine(cx, h * 0.58f, cx, h - strokeWidthPx, paint)
+    }
+
+    override fun getIntrinsicWidth() = sizePx
+    override fun getIntrinsicHeight() = sizePx
+
+    override fun setAlpha(alpha: Int) {}
+    override fun setColorFilter(colorFilter: android.graphics.ColorFilter?) {}
+    override fun getOpacity() = PixelFormat.TRANSLUCENT
+}
--- a/plugins/accessibility/android/FloatingTip.kt
+++ b/plugins/accessibility/android/FloatingTip.kt
@ -0,0 +1,128 @@
+package com.beancount.mobile.accessibility
+
+import android.content.Context
+import android.graphics.PixelFormat
+import android.os.Handler
+import android.os.Looper
+import android.util.Log
+import android.view.Gravity
+import android.view.LayoutInflater
+import android.view.View
+import android.view.WindowManager
+import android.widget.LinearLayout
+import android.widget.ProgressBar
+import android.widget.TextView
+import java.util.concurrent.CountDownLatch
+import java.util.concurrent.TimeUnit
+
+/**
+ * 浮窗提示（plan.md「3.8 浮窗账单提示」）。
+ *
+ * 参考 AutoAccounting 的 FloatingTip + RepeatToast：
+ * - 轻量浮窗（非全屏），滑入动画，自动消失
+ * - 三种布局：顶部 / 左侧 / 右侧
+ * - 倒计时进度环
+ * - 重复账单提示（RepeatToast）
+ *
+ * 比 FloatingBillView 更轻：仅展示提示，不交互。
+ * 需 SYSTEM_ALERT_WINDOW 权限（由 Config Plugin 注册）。
+ */
+class FloatingTip(
+    private val context: Context,
+    private val message: String,
+    private val position: TipPosition = TipPosition.TOP,
+    private val durationMs: Long = 3000L,
+) {
+    companion object {
+        private const val TAG = "FloatingTip"
+        private const val ANIM_DURATION = 300L
+    }
+
+    enum class TipPosition { TOP, LEFT, RIGHT }
+
+    private val windowManager = context.getSystemService(Context.WINDOW_SERVICE) as WindowManager
+    private var view: View? = null
+    private val handler = Handler(Looper.getMainLooper())
+
+    /** 显示浮窗提示。 */
+    fun show() {
+        try {
+            val layoutParams = WindowManager.LayoutParams(
+                WindowManager.LayoutParams.WRAP_CONTENT,
+                WindowManager.LayoutParams.WRAP_CONTENT,
+                WindowManager.LayoutParams.TYPE_APPLICATION_OVERLAY,
+                WindowManager.LayoutParams.FLAG_NOT_FOCUSABLE,
+                PixelFormat.TRANSLUCENT,
+            ).apply {
+                gravity = when (position) {
+                    TipPosition.TOP -> Gravity.TOP or Gravity.CENTER_HORIZONTAL
+                    TipPosition.LEFT -> Gravity.LEFT or Gravity.CENTER_VERTICAL
+                    TipPosition.RIGHT -> Gravity.RIGHT or Gravity.CENTER_VERTICAL
+                }
+                y = if (position == TipPosition.TOP) 100 else 0
+                x = if (position != TipPosition.TOP) 50 else 0
+            }
+
+            val container = LinearLayout(context).apply {
+                orientation = LinearLayout.HORIZONTAL
+                setBackgroundColor(0xF0333333.toInt())
+                setPadding(32, 16, 32, 16)
+            }
+            val text = TextView(context).apply {
+                text = message
+                textSize = 13f
+                setTextColor(0xFFFFFFFF.toInt())
+            }
+            // 倒计时进度条
+            val progress = ProgressBar(context, null, android.R.attr.progressBarStyleHorizontal)
+            progress.max = 100
+            progress.progress = 100
+            progress.layoutParams = LinearLayout.LayoutParams(200, 8).apply {
+                setMargins(16, 0, 0, 0)
+            }
+            container.addView(text)
+            container.addView(progress)
+            view = container
+
+            windowManager.addView(view, layoutParams)
+            Log.d(TAG, "FloatingTip 显示: $message")
+
+            // 倒计时动画（300ms 内 progress 从 100 到 0）
+            val steps = 30
+            val stepMs = durationMs / steps
+            var currentStep = 0
+            handler.post(object : Runnable {
+                override fun run() {
+                    currentStep++
+                    progress.progress = 100 - (currentStep * 100 / steps)
+                    if (currentStep < steps) {
+                        handler.postDelayed(this, stepMs)
+                    }
+                }
+            })
+
+            handler.postDelayed({ dismiss() }, durationMs)
+        } catch (e: Exception) {
+            Log.e(TAG, "FloatingTip 显示失败: ${e.message}")
+        }
+    }
+
+    /** 关闭浮窗。 */
+    fun dismiss() {
+        handler.removeCallbacksAndMessages(null)
+        try { view?.let { windowManager.removeView(it) } } catch (_: Exception) {}
+        view = null
+    }
+}
+
+/**
+ * 重复账单提示（plan.md「3.8」+ AutoAccounting RepeatToast）。
+ * 当检测到重复账单时，轻量提示用户（不弹浮窗，用系统 Toast 风格）。
+ */
+class RepeatToast(private val context: Context, private val message: String) {
+    fun show() {
+        val tip = FloatingTip(context, "⚠ $message", FloatingTip.TipPosition.TOP, 2000L)
+        tip.show()
+        Log.d("RepeatToast", "重复提示: $message")
+    }
+}
--- a/plugins/accessibility/android/OcrTileService.kt
+++ b/plugins/accessibility/android/OcrTileService.kt
@ -0,0 +1,62 @@
+package com.beancount.mobile.accessibility
+
+import android.os.Build
+import android.service.quicksettings.Tile
+import android.service.quicksettings.TileService
+import android.util.Log
+import android.content.Intent
+import android.app.PendingIntent
+
+/**
+ * 快速设置磁贴（plan.md「3.11 快速设置磁贴」）。
+ *
+ * 参考 AutoAccounting 的 OcrTileService：
+ * - 用户下拉快速设置，点击「OCR 记账」磁贴触发一次手动 OCR
+ * - Android 14+ 用 PendingIntent + startActivityAndCollapse
+ *
+ * 触发后调用 BillingAccessibilityService.triggerManualOcr()。
+ */
+class OcrTileService : TileService() {
+
+    companion object {
+        private const val TAG = "OcrTileService"
+    }
+
+    override fun onStartListening() {
+        super.onStartListening()
+        qsTile?.let { tile ->
+            tile.state = Tile.STATE_ACTIVE
+            tile.label = "OCR 记账"
+            tile.updateTile()
+        }
+        Log.d(TAG, "磁贴开始监听")
+    }
+
+    override fun onClick() {
+        super.onClick()
+        Log.i(TAG, "磁贴被点击，触发手动 OCR")
+        triggerManualOcr()
+    }
+
+    /** 触发手动 OCR（通过 BillingAccessibilityService）。 */
+    private fun triggerManualOcr() {
+        val service = BillingAccessibilityService.instance
+        if (service != null) {
+            service.triggerManualOcr()
+            return
+        }
+        // 服务未运行，尝试启动（Android 14+ 用 collapse）
+        if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.UPSIDE_DOWN_CAKE) {
+            val pi = PendingIntent.getActivity(
+                this, 0,
+                Intent().apply {
+                    setClassName(packageName, "com.beancount.mobile.MainActivity")
+                    action = "com.beancount.mobile.TRIGGER_OCR"
+                    flags = Intent.FLAG_ACTIVITY_NEW_TASK
+                },
+                PendingIntent.FLAG_IMMUTABLE,
+            )
+            startActivityAndCollapse(pi)
+        }
+    }
+}
--- a/plugins/accessibility/android/res/xml/accessibility_service_config.xml
+++ b/plugins/accessibility/android/res/xml/accessibility_service_config.xml
@ -0,0 +1,15 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!--
+  无障碍服务配置（plan.md「3.6 无障碍服务」）。
+  注册监听支付 App 的页面变化 + 截图能力。
+  canTakeScreenshot="true" 是 Android 11+ AccessibilityService.takeScreenshot() 的前提。
+-->
+<accessibility-service xmlns:android="http://schemas.android.com/apk/res/android"
+    android:description="@string/accessibility_service_description"
+    android:accessibilityEventTypes="typeWindowStateChanged|typeWindowContentChanged"
+    android:accessibilityFeedbackType="feedbackGeneric"
+    android:notificationTimeout="100"
+    android:canRequestEnhancedWebAccessibility="true"
+    android:canRetrieveWindowContent="true"
+    android:canTakeScreenshot="true"
+    android:accessibilityFlags="flagDefault|flagRetrieveInteractiveWindows" />
--- a/plugins/accessibility/app.plugin.js
+++ b/plugins/accessibility/app.plugin.js
@ -0,0 +1,160 @@
+/**
+ * 无障碍服务 Config Plugin（plan.md「3.6 无障碍服务」+「决策 4」）。
+ *
+ * 在 expo prebuild 时注册 Android 无障碍服务（manifest service + xml 配置）。
+ * 参考 AutoAccounting 的 SelectToSpeakService 伪装机制（侧载保留，plan.md 决策 3）。
+ *
+ * 注意：withAndroidManifest 的 modResults 结构是 { manifest: { ... } }，
+ * 操作 application 必须通过 modResults.manifest.application。
+ */
+
+const { withAndroidManifest, withDangerousMod, withMainApplication } = require('@expo/config-plugins');
+const fs = require('fs');
+const path = require('path');
+
+const PACKAGE = 'com.beancount.mobile.accessibility';
+
+/** 递归复制目录。 */
+function copyDir(src, dest) {
+  if (!fs.existsSync(src)) return;
+  fs.mkdirSync(dest, { recursive: true });
+  for (const entry of fs.readdirSync(src)) {
+    const s = path.join(src, entry);
+    const d = path.join(dest, entry);
+    if (fs.statSync(s).isDirectory()) copyDir(s, d);
+    else fs.copyFileSync(s, d);
+  }
+}
+
+function withAccessibilityService(config) {
+  // 1. 复制 Kotlin 源码 + res/xml 资源到原生工程
+  config = withDangerousMod(config, [
+    'android',
+    async (modConfig) => {
+      const projectRoot = modConfig.modRequest.platformProjectRoot;
+      // Kotlin 源码（只复制 .kt 文件，不含 res/ 子目录）
+      const ktDest = path.join(projectRoot, 'app/src/main/java/com/beancount/mobile/accessibility');
+      fs.mkdirSync(ktDest, { recursive: true });
+      const androidDir = path.join(__dirname, 'android');
+      for (const f of fs.readdirSync(androidDir)) {
+        if (f.endsWith('.kt')) {
+          fs.copyFileSync(path.join(androidDir, f), path.join(ktDest, f));
+        }
+      }
+      // res/xml 资源
+      const resSrc = path.join(__dirname, 'android/res');
+      if (fs.existsSync(resSrc)) {
+        copyDir(resSrc, path.join(projectRoot, 'app/src/main/res'));
+      }
+      // 确保有 accessibility_service_description 字符串资源
+      const stringsXmlPath = path.join(projectRoot, 'app/src/main/res/values/strings.xml');
+      if (fs.existsSync(stringsXmlPath)) {
+        let content = fs.readFileSync(stringsXmlPath, 'utf8');
+        if (!content.includes('accessibility_service_description')) {
+          content = content.replace(
+            /<\/resources>/,
+            '  <string name="accessibility_service_description">自动识别支付账单页面，辅助快速记账</string>\n</resources>',
+          );
+          fs.writeFileSync(stringsXmlPath, content, 'utf8');
+        }
+      }
+      return modConfig;
+    },
+  ]);
+
+  // 2. 注册 AccessibilityBridgePackage 到 MainApplication
+  config = withMainApplication(config, (modConfig) => {
+    let content = modConfig.modResults.contents;
+
+    // 2a. 注入 import（AccessibilityBridgePackage）
+    if (!content.includes(`import ${PACKAGE}.AccessibilityBridgePackage`)) {
+      content = content.replace(
+        /^(package\s+[\w.]+;?\s*)$/m,
+        `$1\nimport ${PACKAGE}.AccessibilityBridgePackage`,
+      );
+    }
+
+    // 2c. 在 getPackages() 的 .apply {} 块里注入 add(AccessibilityBridgePackage())
+    if (!content.includes('add(AccessibilityBridgePackage())')) {
+      if (/PackageList\(this\)\.packages\.apply\s*\{/.test(content)) {
+        content = content.replace(
+          /(PackageList\(this\)\.packages\.apply\s*\{)/,
+          `$1\n              add(AccessibilityBridgePackage())`,
+        );
+      } else if (/PackageList\(this\)\.packages\b/.test(content)) {
+        content = content.replace(
+          /PackageList\(this\)\.packages\b/,
+          `PackageList(this).packages.apply { add(AccessibilityBridgePackage()) }`,
+        );
+      }
+    }
+
+    modConfig.modResults.contents = content;
+    return modConfig;
+  });
+
+  // 3. 注册服务到 AndroidManifest
+  config = withAndroidManifest(config, (modConfig) => {
+    const manifest = modConfig.modResults.manifest;
+
+    // 1. 添加无障碍服务声明
+    const serviceNode = {
+      $: {
+        'android:name': 'com.beancount.mobile.accessibility.BillingAccessibilityService',
+        'android:permission': 'android.permission.BIND_ACCESSIBILITY_SERVICE',
+        'android:label': '账单识别',
+        'android:exported': 'false',
+      },
+      'intent-filter': [{
+        action: [{ $: { 'android:name': 'android.accessibilityservice.AccessibilityService' } }],
+      }],
+      'meta-data': [{
+        $: {
+          'android:name': 'android.accessibilityservice',
+          'android:resource': '@xml/accessibility_service_config',
+        },
+      }],
+    };
+
+    // 2. 确保 application[0] 存在
+    if (!Array.isArray(manifest.application) || manifest.application.length === 0) {
+      manifest.application = [{ $: {} }];
+    }
+    const app = manifest.application[0];
+    if (!app.service) {
+      app.service = [];
+    }
+    const exists = app.service.some(
+      s => s.$['android:name'] === 'com.beancount.mobile.accessibility.BillingAccessibilityService'
+    );
+    if (!exists) {
+      app.service.push(serviceNode);
+    }
+
+    // 3. 添加 OcrTileService 声明（快速设置磁贴，plan.md「3.11」）
+    const tileServiceNode = {
+      $: {
+        'android:name': 'com.beancount.mobile.accessibility.OcrTileService',
+        'android:label': 'OCR 记账',
+        'android:icon': '@android:drawable/ic_menu_camera',
+        'android:permission': 'android.permission.BIND_QUICK_SETTINGS_TILE',
+        'android:exported': 'true',
+      },
+      'intent-filter': [{
+        action: [{ $: { 'android:name': 'android.service.quicksettings.action.QS_TILE' } }],
+      }],
+    };
+    const tileExists = app.service.some(
+      s => s.$['android:name'] === 'com.beancount.mobile.accessibility.OcrTileService'
+    );
+    if (!tileExists) {
+      app.service.push(tileServiceNode);
+    }
+
+    return modConfig;
+  });
+
+  return config;
+}
+
+module.exports = withAccessibilityService;
--- a/plugins/accessibility/package.json
+++ b/plugins/accessibility/package.json
@ -0,0 +1,6 @@
+{
+  "name": "beancount-mobile-plugin-accessibility",
+  "version": "0.1.0",
+  "private": true,
+  "main": "app.plugin.js"
+}
--- a/plugins/notification-listener/android/BillingNotificationListenerService.kt
+++ b/plugins/notification-listener/android/BillingNotificationListenerService.kt
@ -0,0 +1,96 @@
+package com.beancount.mobile.notification
+
+import android.app.Notification
+import android.content.ComponentName
+import android.service.notification.NotificationListenerService
+import android.service.notification.StatusBarNotification
+import android.util.Log
+import com.facebook.react.bridge.ReactApplicationContext
+import com.facebook.react.bridge.WritableNativeMap
+import com.facebook.react.modules.core.DeviceEventManagerModule
+import com.beancount.mobile.accessibility.ReactContextHolder
+
+/**
+ * 通知监听服务（plan.md「4.1 通知监听服务」+「决策 4 Config Plugin」）。
+ *
+ * 参考 AutoAccounting 的 NotificationListenerService：
+ * - 提取支付 App 通知的 title/text
+ * - 白名单过滤（仅支付类 App）
+ * - 关键词黑白名单（JS 层 keywordFilter 进一步过滤）
+ * - MD5 去重（JS 层 NotificationChannel 处理，避免原生持有状态）
+ * - onListenerDisconnected 时 requestRebind 自动重连
+ *
+ * 通过 DeviceEventEmitter 把通知事件推送到 JS 层 NotificationChannel。
+ */
+class BillingNotificationListenerService : NotificationListenerService() {
+
+    companion object {
+        private const val TAG = "BillingNotification"
+
+        /** 支付 App 白名单（与 JS 层 DEFAULT_PAYMENT_PACKAGES 一致）。 */
+        private val PAYMENT_PACKAGES = setOf(
+            "com.eg.android.AlipayGphone",
+            "com.tencent.mm",
+            "com.unionpay",
+            "com.cmbchina",
+            "com.icbc",
+            "com.chinamworld.main",
+            "com.ccbrcb",
+            "com.bankcomm.Bankcomm",
+        )
+    }
+
+    override fun onNotificationPosted(sbn: StatusBarNotification?) {
+        super.onNotificationPosted(sbn)
+        runCatching {
+            val packageName = sbn?.packageName?.toString() ?: return
+            // 白名单过滤
+            if (!PAYMENT_PACKAGES.contains(packageName)) return
+
+            val notification = sbn.notification
+            val extras = notification.extras
+            val title = extras?.getCharSequence(Notification.EXTRA_TITLE)?.toString() ?: ""
+            val text = (extras?.getCharSequence(Notification.EXTRA_BIG_TEXT)
+                ?: extras?.getCharSequence(Notification.EXTRA_TEXT))?.toString() ?: ""
+
+            if (title.isBlank() && text.isBlank()) return
+
+            Log.d(TAG, "收到支付通知: pkg=$packageName, title=$title")
+            // 推送到 JS 层
+            sendNotificationEvent(packageName, title, text)
+        }.onFailure {
+            Log.e(TAG, "通知处理异常: ${it.message}", it)
+        }
+    }
+
+    /**
+     * 监听断开时自动重连（参考 AutoAccounting requestRebind）。
+     * Android Doze / App Standby 可能断开通知监听。
+     */
+    override fun onListenerDisconnected() {
+        super.onListenerDisconnected()
+        Log.w(TAG, "通知监听断开，尝试重连")
+        requestRebind(ComponentName(this, BillingNotificationListenerService::class.java))
+    }
+
+    /** 把通知事件推送到 JS 层 NotificationChannel.handleNotification。 */
+    private fun sendNotificationEvent(packageName: String, title: String, text: String) {
+        val reactContext = ReactContextHolder.context ?: run {
+            Log.w(TAG, "RN 上下文未就绪，丢弃通知")
+            return
+        }
+        try {
+            val map = WritableNativeMap().apply {
+                putString("packageName", packageName)
+                putString("title", title)
+                putString("text", text)
+                putDouble("timestamp", System.currentTimeMillis().toDouble())
+            }
+            reactContext
+                .getJSModule(DeviceEventManagerModule.RCTDeviceEventEmitter::class.java)
+                .emit("billingNotification", map)
+        } catch (e: Exception) {
+            Log.e(TAG, "推送通知事件失败: ${e.message}")
+        }
+    }
+}
--- a/plugins/notification-listener/app.plugin.js
+++ b/plugins/notification-listener/app.plugin.js
@ -0,0 +1,69 @@
+/**
+ * 通知监听 Config Plugin（plan.md「4.1 通知监听服务」+「决策 4」）。
+ *
+ * 在 expo prebuild 时注册 Android NotificationListenerService（manifest service + 权限）。
+ *
+ * 注意：withAndroidManifest 的 modResults 结构是 { manifest: { ... } }，
+ * 操作 application 必须通过 modResults.manifest.application。
+ */
+
+const { withAndroidManifest, withDangerousMod } = require('@expo/config-plugins');
+const fs = require('fs');
+const path = require('path');
+
+function withNotificationListener(config) {
+  // 1. 复制 Kotlin 源码到原生工程
+  config = withDangerousMod(config, [
+    'android',
+    async (modConfig) => {
+      const projectRoot = modConfig.modRequest.platformProjectRoot;
+      const dest = path.join(projectRoot, 'app/src/main/java/com/beancount/mobile/notification');
+      fs.mkdirSync(dest, { recursive: true });
+      const srcDir = path.join(__dirname, 'android');
+      for (const f of fs.readdirSync(srcDir)) {
+        if (f.endsWith('.kt')) {
+          fs.copyFileSync(path.join(srcDir, f), path.join(dest, f));
+        }
+      }
+      return modConfig;
+    },
+  ]);
+
+  // 2. 注册服务到 AndroidManifest
+  config = withAndroidManifest(config, (modConfig) => {
+    const manifest = modConfig.modResults.manifest;
+
+    // 1. 添加通知监听服务
+    const serviceNode = {
+      $: {
+        'android:name': 'com.beancount.mobile.notification.BillingNotificationListenerService',
+        'android:permission': 'android.permission.BIND_NOTIFICATION_LISTENER_SERVICE',
+        'android:exported': 'false',
+      },
+      'intent-filter': [{
+        action: [{ $: { 'android:name': 'android.service.notification.NotificationListenerService' } }],
+      }],
+    };
+
+    // 2. 确保 application[0] 存在
+    if (!Array.isArray(manifest.application) || manifest.application.length === 0) {
+      manifest.application = [{ $: {} }];
+    }
+    const app = manifest.application[0];
+    if (!app.service) {
+      app.service = [];
+    }
+    const exists = app.service.some(
+      s => s.$['android:name'] === 'com.beancount.mobile.notification.BillingNotificationListenerService'
+    );
+    if (!exists) {
+      app.service.push(serviceNode);
+    }
+
+    return modConfig;
+  });
+
+  return config;
+}
+
+module.exports = withNotificationListener;
--- a/plugins/notification-listener/package.json
+++ b/plugins/notification-listener/package.json
@ -0,0 +1,6 @@
+{
+  "name": "beancount-mobile-plugin-notification-listener",
+  "version": "0.1.0",
+  "private": true,
+  "main": "app.plugin.js"
+}
--- a/plugins/ppocr/README.md
+++ b/plugins/ppocr/README.md
@ -0,0 +1,84 @@
+# PP-OCRv5 (ONNX Runtime) Config Plugin
+
+本插件在 `expo prebuild` 时注入 PP-OCRv5 本地 OCR 原生模块（plan.md 决策 4）。
+
+引擎选用 **ONNX Runtime**（跨平台、微软官方、Windows 友好），替代原 NCNN 方案。
+
+## 文件结构
+
+```
+plugins/ppocr/
+├── app.plugin.js              # Config Plugin 入口（prebuild 时执行）
+├── android/                   # Kotlin 原生实现（prebuild 时复制进原生工程）
+│   ├── OcrModule.kt           # React Native Bridge：ONNX Runtime 推理 + det/rec 前后处理
+│   └── OcrPackage.kt          # RN Package 注册（注入到 MainApplication.getPackages）
+└── assets/                    # ONNX 模型 + 字典（需自行下载放置）
+    ├── ppocrv5_det.onnx       # 文本检测模型
+    ├── ppocrv5_rec.onnx       # 文本识别模型（多语言，输出 18385 维）
+    └── ppocrv5_dict.txt       # PP-OCRv5 多语言字典（18383 字符，CTC 解码用）
+```
+
+## 模型获取（一键下载）
+
+社区已转好的 ONNX 版本（来自官方 Paddle 权重，无质量损失）：
+
+```bash
+# 在项目根目录执行
+mkdir -p plugins/ppocr/assets
+cd plugins/ppocr/assets
+
+# det 模型（4.8 MB）
+curl -L -o ppocrv5_det.onnx https://huggingface.co/ilaylow/PP_OCRv5_mobile_onnx/resolve/main/ppocrv5_det.onnx
+
+# rec 模型（16.6 MB）
+curl -L -o ppocrv5_rec.onnx https://huggingface.co/ilaylow/PP_OCRv5_mobile_onnx/resolve/main/ppocrv5_rec.onnx
+
+# PP-OCRv5 多语言字典（74 KB，必须与上面的 rec 模型配套）
+curl -L -o ppocrv5_dict.txt https://raw.githubusercontent.com/PaddlePaddle/PaddleOCR/main/ppocr/utils/dict/ppocrv5_dict.txt
+```
+
+或用 HuggingFace CLI（首次下载原生模型再转 ONNX 的方式，参见历史 git log）。
+
+> ⚠️ **字典必须与 rec 模型配套**：ppocrv5_rec.onnx 输出 18385 维（= 18383 字符 + blank + 特殊位），
+> 必须使用 `ppocrv5_dict.txt`（18383 行）。若错用旧版 `ppocr_keys_v1.txt`（仅 6623 行），
+> CTC 解码会把真实字符的高索引全部丢弃，只输出形如 `'消'青'露'仰'` 的单引号穿插单字符乱码。
+
+> 来源说明：[ilaylow/PP_OCRv5_mobile_onnx](https://huggingface.co/ilaylow/PP_OCRv5_mobile_onnx) 是社区维护的 PP-OCRv5 mobile ONNX 镜像，基于官方 [PaddlePaddle/PP-OCRv5_mobile_det](https://huggingface.co/PaddlePaddle/PP-OCRv5_mobile_det) 与 [_rec](https://huggingface.co/PaddlePaddle/PP-OCRv5_mobile_rec) 转换而来。
+
+## 性能配置（参考 AutoAccounting OcrProcessor.kt）
+
+| 优化项 | 配置 |
+|--------|------|
+| 引擎 | ONNX Runtime Android 1.20.1 |
+| 执行器 | CPU（兼容性最稳，部分设备 GPU 会崩溃） |
+| 线程 | intraOp=2 / interOp=2 |
+| det 图像 | 最大边 960px，短边压缩 720px |
+| rec 图像 | 固定高度 48px |
+| ABI | arm64-v8a（主流设备） |
+
+## 使用
+
+在 `app.json` 注册插件：
+
+```json
+{
+  "plugins": ["./plugins/ppocr"]
+}
+```
+
+JS 层通过 `src/services/ocrBridge.ts` 的 `NativeOcrBridge` 调用，桥接到 `NativeModules.PpOcr`：
+
+- `recognizeText(base64)` → 返回纯文本（多行用 `\n` 连接）
+- `recognizeTextBlocks(base64)` → 返回带坐标的文本块数组 `[{text, x, y, width, height, confidence}]`
+- `isReady()` → 模型是否加载完成
+
+## 当前状态
+
+- `app.plugin.js`：✅ Config Plugin 逻辑（prebuild 注入 Kotlin + 模型 + gradle 依赖 + MainApplication 注册）
+- `android/OcrModule.kt`：✅ ONNX Runtime 推理（det DB 后处理 + rec CTC 解码）
+- `android/OcrPackage.kt`：✅ RN Package 注册
+- `assets/`：需自行下载放置（见上「模型获取」），版权/体积原因不入仓库
+
+真机构建步骤：放置模型文件 → `npx expo prebuild --platform android`（Config Plugin 会把 Kotlin 源码与 `assets/` 下的模型/字典复制进 `android/`）→ `npx expo run:android`。
+
+> 若之前已 prebuild 过且更换过字典/模型文件，务必重新执行 `npx expo prebuild --clean`，否则 `android/app/src/main/assets/` 下可能残留旧字典（如 `ppocr_keys_v1.txt`），导致新代码找不到配套字典。
--- a/plugins/ppocr/android/OcrModule.kt
+++ b/plugins/ppocr/android/OcrModule.kt
@ -0,0 +1,659 @@
+package com.beancount.mobile.ppocr
+
+import android.graphics.Bitmap
+import android.graphics.BitmapFactory
+import android.util.Base64
+import android.util.Log
+import ai.onnxruntime.OnnxTensor
+import ai.onnxruntime.OrtEnvironment
+import ai.onnxruntime.OrtSession
+import com.facebook.react.bridge.Arguments
+import com.facebook.react.bridge.Promise
+import com.facebook.react.bridge.ReactApplicationContext
+import com.facebook.react.bridge.ReactContextBaseJavaModule
+import com.facebook.react.bridge.ReactMethod
+import com.facebook.react.bridge.ReadableArray
+import com.facebook.react.bridge.WritableMap
+import com.facebook.react.bridge.WritableNativeArray
+import com.facebook.react.bridge.WritableNativeMap
+import com.facebook.react.module.annotations.ReactModule
+import kotlinx.coroutines.CoroutineScope
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.SupervisorJob
+import kotlinx.coroutines.launch
+import java.io.BufferedReader
+import java.io.InputStreamReader
+import java.nio.FloatBuffer
+import java.util.concurrent.locks.ReentrantLock
+import kotlin.math.max
+import kotlin.math.min
+
+/**
+ * PP-OCRv5 (ONNX Runtime) React Native Bridge（plan.md「3.4 Layer 2」+「决策 4 Config Plugin」）。
+ *
+ * 引擎：ONNX Runtime（跨平台、微软官方、Windows 友好），替代 NCNN 路线。
+ * 模型：ppocrv5_det.onnx + ppocrv5_rec.onnx（从 ilaylow/PP_OCRv5_mobile_onnx 下载）。
+ * 字典：ppocrv5_dict.txt（PP-OCRv5 多语言字典，18383 字符；rec 模型 18385 维输出 = 字典 + blank + 特殊位）。
+ *
+ * 流水线：
+ *  1. det（文本检测）：bitmap → DB 后处理得到文本框
+ *  2. rec（文本识别）：每个框 crop → resize 到 48px 高 → CTC 解码
+ *
+ * 性能优化（参考 AutoAccounting OcrProcessor.kt）：
+ *  - 短边压缩到 720px（像素量比 1440p 减少约 75%）
+ *  - CPU 执行（兼容性最稳，部分设备 GPU 会崩溃）
+ *  - det 最大边限制 960（PaddleOCR 默认 limit_max_side_len）
+ *
+ * JS 层通过 NativeModules.PpOcr.recognizeText(base64) 调用。
+ */
+const val OCR_MODULE_NAME = "PpOcr"
+
+@ReactModule(name = OCR_MODULE_NAME)
+class OcrModule(private val context: ReactApplicationContext) :
+    ReactContextBaseJavaModule(context) {
+
+    private val scope = CoroutineScope(SupervisorJob() + Dispatchers.IO)
+    private val lock = ReentrantLock()
+
+    private var ortEnv: OrtEnvironment? = null
+    private var detSession: OrtSession? = null
+    private var recSession: OrtSession? = null
+    private var dictionary: List<String> = emptyList()
+    @Volatile private var initialized = false
+    @Volatile private var initFailed = false
+
+    override fun getName(): String = OCR_MODULE_NAME
+
+    override fun initialize() {
+        super.initialize()
+        // 异步加载模型，避免阻塞 RN 桥初始化
+        scope.launch { initEngine() }
+    }
+
+    /** 从 assets 加载 det/rec ONNX 模型与字典。 */
+    private fun initEngine() {
+        lock.lock()
+        try {
+            if (initialized || initFailed) return
+            val env = OrtEnvironment.getEnvironment()
+            val opts = OrtSession.SessionOptions().apply {
+                // CPU 线程数：2 是兼容性/性能的稳妥折中（高端机可调高）
+                setInterOpNumThreads(2)
+                setIntraOpNumThreads(2)
+                // 移动端关闭内存优化里的图优化级别过高（部分模型会崩）
+                setOptimizationLevel(OrtSession.SessionOptions.OptLevel.BASIC_OPT)
+            }
+            val detBytes = context.assets.open(ASSET_DET_MODEL).use { it.readBytes() }
+            val recBytes = context.assets.open(ASSET_REC_MODEL).use { it.readBytes() }
+            val det = env.createSession(detBytes, opts)
+            val rec = env.createSession(recBytes, opts)
+            val dict = loadDictionary()
+
+            detSession = det
+            recSession = rec
+            ortEnv = env
+            dictionary = dict
+            initialized = true
+            Log.i(OCR_MODULE_NAME, "PP-OCRv5 ONNX 模型加载成功（det+rec, dict=${dict.size}）")
+        } catch (e: Exception) {
+            initFailed = true
+            Log.e(OCR_MODULE_NAME, "OCR 初始化失败: ${e.message}", e)
+            Log.e(OCR_MODULE_NAME, "请确认 assets 下存在 $ASSET_DET_MODEL / $ASSET_REC_MODEL / $ASSET_DICT")
+        } finally {
+            lock.unlock()
+        }
+    }
+
+    /** rec 推理用的 OrtEnvironment（复用 ortEnv 单例）。 */
+    private val recEnv: OrtEnvironment? get() = ortEnv
+
+    /**
+     * 加载 ppocrv5_dict.txt 字典。
+     *
+     * PaddleOCR CTC 约定：模型输出 logits 的 index 0 是 blank，字符从 index 1 开始；
+     * 字典条目 dictionary[i] 对应模型输出 index i+1。解码时 dictIdx = argmaxIdx - 1。
+     * 字典本身不含 blank，运行时固定用 index 0 作 blank（见 ctcGreedyDecode）。
+     */
+    private fun loadDictionary(): List<String> {
+        val words = mutableListOf<String>()
+        context.assets.open(ASSET_DICT).use { stream ->
+            BufferedReader(InputStreamReader(stream, Charsets.UTF_8)).useLines { lines ->
+                lines.forEach { line ->
+                    // PaddleOCR 字典每行一个字符（去掉行尾换行）
+                    words.add(line.trimEnd('\r', '\n'))
+                }
+            }
+        }
+        return words
+    }
+
+    /**
+     * 识别图片文本。
+     * @param imageBase64 base64 编码的图片（JPEG/PNG）
+     * @return 识别出的纯文本（所有行用 \n 连接）
+     */
+    @ReactMethod
+    fun recognizeText(imageBase64: String, promise: Promise) {
+        scope.launch {
+            var bitmap: Bitmap? = null
+            var scaled: Bitmap? = null
+            try {
+                ensureReady()
+                bitmap = decodeBase64(imageBase64)
+                if (bitmap == null) {
+                    promise.reject("DECODE_FAILED", "base64 解码失败")
+                    return@launch
+                }
+                scaled = scaleDownForOcr(bitmap, OCR_MAX_SHORT_EDGE)
+                val blocks = runInference(scaled)
+                val text = blocks.joinToString("\n") { it.text }
+                promise.resolve(text)
+            } catch (e: Exception) {
+                Log.e(OCR_MODULE_NAME, "recognizeText 异常: ${e.message}", e)
+                promise.reject("OCR_ERROR", e.message)
+            } finally {
+                bitmap?.recycle()
+                if (scaled !== bitmap) {
+                    scaled?.recycle()
+                }
+            }
+        }
+    }
+
+    /**
+     * 识别并返回带坐标的文本块（用于复杂版面）。
+     * @return JSON 数组字符串：[{text, x, y, width, height, confidence}]
+     */
+    @ReactMethod
+    fun recognizeTextBlocks(imageBase64: String, promise: Promise) {
+        scope.launch {
+            var bitmap: Bitmap? = null
+            var scaled: Bitmap? = null
+            try {
+                ensureReady()
+                bitmap = decodeBase64(imageBase64)
+                if (bitmap == null) {
+                    promise.reject("DECODE_FAILED", "base64 解码失败")
+                    return@launch
+                }
+                scaled = scaleDownForOcr(bitmap, OCR_MAX_SHORT_EDGE)
+                val blocks = runInference(scaled)
+                // 序列化为 RN WritableArray
+                val arr = WritableNativeArray()
+                for (b in blocks) {
+                    val map: WritableMap = WritableNativeMap()
+                    map.putString("text", b.text)
+                    map.putDouble("x", b.x.toDouble())
+                    map.putDouble("y", b.y.toDouble())
+                    map.putDouble("width", b.width.toDouble())
+                    map.putDouble("height", b.height.toDouble())
+                    map.putDouble("confidence", b.confidence.toDouble())
+                    arr.pushMap(map)
+                }
+                promise.resolve(arr)
+            } catch (e: Exception) {
+                Log.e(OCR_MODULE_NAME, "recognizeTextBlocks 异常: ${e.message}", e)
+                promise.reject("OCR_ERROR", e.message)
+            } finally {
+                bitmap?.recycle()
+                if (scaled !== bitmap) {
+                    scaled?.recycle()
+                }
+            }
+        }
+    }
+
+    /** 引擎是否已就绪（模型加载完成）。 */
+    @ReactMethod
+    fun isReady(promise: Promise) {
+        promise.resolve(initialized)
+    }
+
+    // ============== 推理流水线 ==============
+
+    private fun ensureReady() {
+        if (!initialized && !initFailed) initEngine()
+        if (!initialized) throw IllegalStateException("OCR 引擎未就绪（模型未加载，${if (initFailed) "初始化失败" else "加载中"}）")
+    }
+
+    /** 完整推理：det 检测文本框 → 对每个框 rec 识别 → 返回带坐标的文本块。 */
+    private fun runInference(bitmap: Bitmap): List<OcrBlock> {
+        Log.i(OCR_MODULE_NAME, "runInference 开始: bitmap 尺寸 = ${bitmap.width}x${bitmap.height}")
+        val det = detSession ?: run {
+            Log.e(OCR_MODULE_NAME, "detSession 为空，放弃推理")
+            return emptyList()
+        }
+        val rec = recSession ?: run {
+            Log.e(OCR_MODULE_NAME, "recSession 为空，放弃推理")
+            return emptyList()
+        }
+
+        var resized: Bitmap? = null
+        var detInputTensor: OnnxTensor? = null
+        var detOutputs: OrtSession.Result? = null
+        val results = mutableListOf<OcrBlock>()
+
+        try {
+            // ---- 1. 文本检测（DB）----
+            resized = resizeForDet(bitmap, DET_LIMIT_MAX_SIDE)
+            Log.i(OCR_MODULE_NAME, "det 图像缩放后尺寸 = ${resized.width}x${resized.height}")
+            val ratioX = bitmap.width.toFloat() / resized.width
+            val ratioY = bitmap.height.toFloat() / resized.height
+
+            val detInput = preprocessDet(resized)
+            detInputTensor = OnnxTensor.createTensor(recEnv, FloatBuffer.wrap(detInput.data), longArrayOf(1L, 3L, detInput.h.toLong(), detInput.w.toLong()))
+            val detInputs = mapOf("x" to detInputTensor)
+            detOutputs = det.run(detInputs)
+            @Suppress("UNCHECKED_CAST")
+            val detProb = (detOutputs[0].value as Array<Array<Array<FloatArray>>>)[0][0]  // [H,W]
+            Log.i(OCR_MODULE_NAME, "det 推理完成，概率图尺寸 = ${detProb.size}x${detProb[0].size}")
+
+            // DB 后处理：threshold → 轮廓 → 最小外接矩形
+            val boxes = dbPostprocess(detProb, detInput.h, detInput.w, ratioX, ratioY)
+            Log.i(OCR_MODULE_NAME, "dbPostprocess 后处理完成，检测到文本框数量 = ${boxes.size}")
+
+            if (boxes.isEmpty()) return emptyList()
+
+            // ---- 2. 文本识别（CRNN+CTC）----
+            for ((idx, box) in boxes.withIndex()) {
+                var crop: Bitmap? = null
+                var recInputTensor: OnnxTensor? = null
+                var recOutputs: OrtSession.Result? = null
+                try {
+                    crop = cropBox(bitmap, box)
+                    if (crop == null) {
+                        Log.w(OCR_MODULE_NAME, "裁剪文本框失败 (index = $idx)")
+                        continue
+                    }
+                    val recInput = preprocessRec(crop)
+                    recInputTensor = OnnxTensor.createTensor(recEnv, FloatBuffer.wrap(recInput.data), longArrayOf(1L, 3L, REC_IMAGE_HEIGHT.toLong(), recInput.w.toLong()))
+                    val recInputs = mapOf("x" to recInputTensor)
+                    recOutputs = rec.run(recInputs)
+                    // 输出 shape: [1, T, numClasses]
+                    @Suppress("UNCHECKED_CAST")
+                    val logits = (recOutputs[0].value as Array<Array<FloatArray>>)[0]
+
+                    val (text, conf) = ctcGreedyDecode(logits)
+                    val xs = box.map { it[0] }
+                    val ys = box.map { it[1] }
+                    val minX = (xs.minOrNull() ?: 0f).toInt()
+                    val minY = (ys.minOrNull() ?: 0f).toInt()
+                    val maxX = (xs.maxOrNull() ?: 0f).toInt()
+                    val maxY = (ys.maxOrNull() ?: 0f).toInt()
+                    val w = maxX - minX
+                    val h = maxY - minY
+                    Log.i(OCR_MODULE_NAME, "文本框 $idx 识别结果 = '$text', 坐标 = ($minX, $minY, $w, $h), 置信度 = $conf")
+                    if (text.isNotEmpty()) {
+                        results.add(OcrBlock(text, minX.toFloat(), minY.toFloat(), w.toFloat(), h.toFloat(), conf))
+                    }
+                } finally {
+                    crop?.recycle()
+                    recInputTensor?.close()
+                    recOutputs?.close()
+                }
+            }
+        } finally {
+            if (resized !== bitmap) {
+                resized?.recycle()
+            }
+            detInputTensor?.close()
+            detOutputs?.close()
+        }
+
+        return results
+    }
+
+    // ============== 前处理 ==============
+
+    /** det 前处理：resize → BCHW → normalize(mean=[0.485,0.456,0.406], std=[0.229,0.224,0.225])。 */
+    private fun preprocessDet(bmp: Bitmap): TensorData {
+        val w = bmp.width
+        val h = bmp.height
+        val pixels = IntArray(w * h)
+        bmp.getPixels(pixels, 0, w, 0, 0, w, h)
+        val data = FloatArray(3 * w * h)
+        // BCHW 顺序
+        val means = floatArrayOf(0.485f, 0.456f, 0.406f)
+        val stds = floatArrayOf(0.229f, 0.224f, 0.225f)
+        for (c in 0..2) {
+            val mean = means[c]
+            val std = stds[c]
+            for (y in 0 until h) {
+                for (x in 0 until w) {
+                    val px = pixels[y * w + x]
+                    // 提取 R/G/B（c=0→R, 1→G, 2→B）
+                    val channelVal = (px shr (16 - 8 * c)) and 0xFF
+                    data[c * w * h + y * w + x] = (channelVal / 255.0f - mean) / std
+                }
+            }
+        }
+        return TensorData(data, w, h)
+    }
+
+    /** rec 前处理：crop → resize 到 48 高（保持宽高比）→ pad 到整除 4 → normalize。 */
+    private fun preprocessRec(bmp: Bitmap): TensorData {
+        var w = bmp.width
+        val h = bmp.height
+        // resize 到高度 48，宽度等比缩放
+        var resizedW = (w.toFloat() / h * REC_IMAGE_HEIGHT).toInt()
+        // 宽度上限，避免单行过长爆显存
+        resizedW = min(resizedW, REC_MAX_WIDTH)
+        resizedW = max(resizedW, 1)
+        val resized = if (resizedW == w && h == REC_IMAGE_HEIGHT) bmp
+                      else Bitmap.createScaledBitmap(bmp, resizedW, REC_IMAGE_HEIGHT, true)
+        w = resized.width
+        val pixels = IntArray(w * REC_IMAGE_HEIGHT)
+        resized.getPixels(pixels, 0, w, 0, 0, w, REC_IMAGE_HEIGHT)
+        val data = FloatArray(3 * w * REC_IMAGE_HEIGHT)
+        val means = floatArrayOf(0.5f, 0.5f, 0.5f)
+        val stds = floatArrayOf(0.5f, 0.5f, 0.5f)
+        for (c in 0..2) {
+            val mean = means[c]
+            val std = stds[c]
+            for (y in 0 until REC_IMAGE_HEIGHT) {
+                for (x in 0 until w) {
+                    val px = pixels[y * w + x]
+                    val channelVal = (px shr (16 - 8 * c)) and 0xFF
+                    data[c * w * REC_IMAGE_HEIGHT + y * w + x] = (channelVal / 255.0f - mean) / std
+                }
+            }
+        }
+        if (resized !== bmp) resized.recycle()
+        return TensorData(data, w, REC_IMAGE_HEIGHT)
+    }
+
+    // ============== DB 后处理（简化版） ==============
+    // 参考 PaddleOCR db_postprocess：sigmoid → threshold → 连通域 → 最小外接矩形
+    // 这里用轻量实现：逐像素阈值化后用投影法估框，对常见单/多行账单足够。
+
+    /**
+     * DB 后处理：sigmoid + 阈值 0.3 → 二值图 → 连通域外接矩形。
+     * 简化版：用水平投影切行 + 垂直投影切列，得到矩形框（对账单类版面够用）。
+     */
+    private fun dbPostprocess(prob: Array<FloatArray>, h: Int, w: Int, ratioX: Float, ratioY: Float): List<List<FloatArray>> {
+        // 自动检测是否需要 Sigmoid
+        var minVal = Float.MAX_VALUE
+        var maxVal = Float.MIN_VALUE
+        for (y in 0 until h) {
+            for (x in 0 until w) {
+                val v = prob[y][x]
+                if (v < minVal) minVal = v
+                if (v > maxVal) maxVal = v
+            }
+        }
+        val needSigmoid = minVal < -0.05f || maxVal > 1.05f
+        Log.i(OCR_MODULE_NAME, "DB prob min=$minVal, max=$maxVal, needSigmoid=$needSigmoid")
+
+        // 过滤状态栏（前8%）和导航栏（后8%），避免其上的干扰字符（如电池、时间、返回键）影响识别或导致行粘连
+        val startY = (h * 0.08).toInt()
+        val endY = (h * 0.92).toInt()
+
+        val binMask = Array(h) { IntArray(w) }
+        var activeCountTotal = 0
+        for (y in 0 until h) {
+            for (x in 0 until w) {
+                if (y < startY || y > endY) {
+                    binMask[y][x] = 0
+                    continue
+                }
+                val raw = prob[y][x]
+                val sig = if (needSigmoid) {
+                    1.0f / (1.0f + Math.exp(-raw.toDouble()).toFloat())
+                } else {
+                    raw
+                }
+                val isActive = if (sig > DET_THRESH) 1 else 0
+                binMask[y][x] = isActive
+                if (isActive == 1) activeCountTotal++
+            }
+        }
+        Log.i(OCR_MODULE_NAME, "二值化完成: 活跃像素 = $activeCountTotal / ${w * h}")
+
+        // 清理垂直干扰线（如滚动条、背景边框线）：如果某列在文本有效区域内的活跃像素超过该区域高度的 30%，视为干扰列，整列清零
+        val maxColActive = ((endY - startY) * 0.3).toInt()
+        var clearedColsCount = 0
+        for (x in 0 until w) {
+            var colActive = 0
+            for (y in startY..endY) {
+                if (binMask[y][x] == 1) colActive++
+            }
+            if (colActive > maxColActive) {
+                clearedColsCount++
+                for (y in 0 until h) {
+                    binMask[y][x] = 0
+                }
+            }
+        }
+        Log.i(OCR_MODULE_NAME, "垂直线噪清理完成: 清理了 $clearedColsCount / $w 列")
+
+        // 水平投影：按行找文本行
+        val rowHits = IntArray(h)
+        for (y in 0 until h) {
+            var sum = 0
+            for (x in 0 until w) sum += binMask[y][x]
+            rowHits[y] = sum
+        }
+        val minRowWidth = max(1, w / 20)  // 一行至少要有这么多像素才算文本
+        val rowRanges = mutableListOf<IntArray>()
+        var inLine = false
+        var lineStart = 0
+        for (y in 0 until h) {
+            val isText = rowHits[y] >= minRowWidth
+            if (isText && !inLine) { inLine = true; lineStart = y }
+            else if (!isText && inLine) {
+                rowRanges.add(intArrayOf(lineStart, y - 1))
+                inLine = false
+            }
+        }
+        if (inLine) rowRanges.add(intArrayOf(lineStart, h - 1))
+        Log.i(OCR_MODULE_NAME, "dbPostprocess 水平分割完成，找到行Ranges数 = ${rowRanges.size}")
+
+        val boxes = mutableListOf<List<FloatArray>>()
+        // 对每行做垂直投影切列（账单每行通常是连续一段或多段）
+        for ((y0, y1) in rowRanges.map { it[0] to it[1] }) {
+            val colHits = IntArray(w)
+            for (x in 0 until w) {
+                var sum = 0
+                for (y in y0..y1) sum += binMask[y][x]
+                colHits[x] = sum
+            }
+            val minColHeight = max(1, (y1 - y0 + 1) / 12)
+            var inSeg = false
+            var segStart = 0
+            var segs = mutableListOf<IntArray>()
+            for (x in 0 until w) {
+                val isText = colHits[x] >= minColHeight
+                if (isText && !inSeg) { inSeg = true; segStart = x }
+                else if (!isText && inSeg) {
+                    // 合并间隔很近的段
+                    if (segs.isNotEmpty() && segStart - segs.last()[1] < DET_MERGE_GAP) {
+                        segs.last()[1] = x - 1
+                    } else {
+                        segs.add(intArrayOf(segStart, x - 1))
+                    }
+                    inSeg = false
+                }
+            }
+            if (inSeg) {
+                if (segs.isNotEmpty() && (w - 1) - segs.last()[1] < DET_MERGE_GAP) {
+                    segs.last()[1] = w - 1
+                } else {
+                    segs.add(intArrayOf(segStart, w - 1))
+                }
+            }
+            for ((x0, x1) in segs.map { it[0] to it[1] }) {
+                // 过滤过小的框
+                val boxW = x1 - x0 + 1
+                val boxH = y1 - y0 + 1
+                if (boxW < 4 || boxH < 2) continue
+                // 映射回原图坐标（4 个角点）
+                val fx0 = x0 * ratioX
+                val fx1 = x1 * ratioX
+                val fy0 = y0 * ratioY
+                val fy1 = y1 * ratioY
+                boxes.add(listOf(
+                    floatArrayOf(fx0, fy0),
+                    floatArrayOf(fx1, fy0),
+                    floatArrayOf(fx1, fy1),
+                    floatArrayOf(fx0, fy1),
+                ))
+            }
+        }
+        return boxes
+    }
+
+    // ============== CTC 解码 ==============
+
+    /**
+     * CTC greedy decode：每个时间步取 argmax，去 blank 去重复。返回 (text, avgConfidence)。
+     *
+     * PaddleOCR 约定：logits 的 index 0 固定是 blank，字符从 index 1 起，
+     * dictionary[i] 对应模型输出 index i+1。因此 dictIdx = argmaxIdx - 1。
+     * 已用 onnxruntime 实证：argmax 序列中 0 占多数（即 blank），真实字符索引
+     * （如 90→'支'）按 idx-1 映射到 dictionary 即可正确还原中文。
+     */
+    private fun ctcGreedyDecode(logits: Array<FloatArray>): Pair<String, Float> {
+        if (logits.isEmpty()) return "" to 0f
+        val numClasses = logits[0].size
+        val blankIdx = 0  // PaddleOCR CTC：blank 固定在 index 0
+
+        val sb = StringBuilder()
+        var lastIdx = -1
+        var confSum = 0.0f
+        var confCount = 0
+        for (t in logits.indices) {
+            var maxIdx = 0
+            var maxVal = logits[t][0]
+            for (i in 1 until numClasses) {
+                if (logits[t][i] > maxVal) { maxVal = logits[t][i]; maxIdx = i }
+            }
+            // softmax 概率（用于置信度统计）
+            var expSum = 0.0
+            for (i in 0 until numClasses) expSum += Math.exp(logits[t][i].toDouble())
+            val prob = Math.exp(maxVal.toDouble()) / expSum
+
+            if (maxIdx != blankIdx && maxIdx != lastIdx) {
+                val dictIdx = maxIdx - 1  // index 1..N → dictionary[0..N-1]
+                if (dictIdx in 0 until dictionary.size) {
+                    sb.append(dictionary[dictIdx])
+                    confSum += prob.toFloat()
+                    confCount++
+                }
+            }
+            lastIdx = maxIdx
+        }
+        val avgConf = if (confCount > 0) confSum / confCount else 0f
+        return sb.toString() to avgConf
+    }
+
+    // ============== Bitmap 工具 ==============
+
+    private fun cropBox(bmp: Bitmap, box: List<FloatArray>): Bitmap? {
+        val xs = box.map { it[0] }
+        val ys = box.map { it[1] }
+        val paddingX = 4
+        val paddingY = 2
+        val minX = max(0, (xs.minOrNull() ?: 0f).toInt() - paddingX)
+        val minY = max(0, (ys.minOrNull() ?: 0f).toInt() - paddingY)
+        val maxX = min(bmp.width, ((xs.maxOrNull() ?: 0f) + 1).toInt() + paddingX)
+        val maxY = min(bmp.height, ((ys.maxOrNull() ?: 0f) + 1).toInt() + paddingY)
+        val w = maxX - minX
+        val h = maxY - minY
+        if (w < 2 || h < 2) return null
+        return Bitmap.createBitmap(bmp, minX, minY, w, h)
+    }
+
+    private fun resizeForDet(bmp: Bitmap, maxSide: Int): Bitmap {
+        val ratio = maxSide.toFloat() / max(bmp.width, bmp.height)
+        if (ratio >= 1f) return bmp
+        val newW = (bmp.width * ratio).toInt()
+        val newH = (bmp.height * ratio).toInt()
+        // 确保尺寸是 32 的倍数（det 模型下采样要求）
+        val alignedW = (newW / 32) * 32
+        val alignedH = (newH / 32) * 32
+        if (alignedW < 32 || alignedH < 32) return bmp
+        return Bitmap.createScaledBitmap(bmp, alignedW, alignedH, true)
+    }
+
+    // ============== 公共工具（复用） ==============
+
+    /** 解码 base64 图片为 Bitmap。 */
+    private fun decodeBase64(base64: String): Bitmap? {
+        return try {
+            // 去除 data:image/...;base64, 前缀
+            val data = if (base64.contains(",")) base64.substringAfter(",") else base64
+            val bytes = Base64.decode(data, Base64.DEFAULT)
+            BitmapFactory.decodeByteArray(bytes, 0, bytes.size)
+        } catch (e: Exception) {
+            Log.e(OCR_MODULE_NAME, "base64 解码失败: ${e.message}")
+            null
+        }
+    }
+
+    /**
+     * 短边压缩到 maxShortEdge（参考 AutoAccounting scaleDownForOcr）。
+     * 像素量比 1440p 减少约 75%，识别速度大幅提升。
+     */
+    private fun scaleDownForOcr(bitmap: Bitmap, maxShortEdge: Int): Bitmap {
+        val width = bitmap.width
+        val height = bitmap.height
+        val shortEdge = minOf(width, height)
+        if (shortEdge <= maxShortEdge) return bitmap
+        val scale = maxShortEdge.toFloat() / shortEdge
+        val newWidth = (width * scale).toInt()
+        val newHeight = (height * scale).toInt()
+        return Bitmap.createScaledBitmap(bitmap, newWidth, newHeight, true)
+    }
+
+    override fun onCatalystInstanceDestroy() {
+        super.onCatalystInstanceDestroy()
+        release()
+    }
+
+    override fun invalidate() {
+        super.invalidate()
+        release()
+    }
+
+    private fun release() {
+        lock.lock()
+        try {
+            detSession?.close()
+            recSession?.close()
+            // OrtEnvironment 是单例，不主动 close（进程级）
+            detSession = null
+            recSession = null
+            ortEnv = null
+            initialized = false
+        } catch (_: Exception) {
+        } finally {
+            lock.unlock()
+        }
+    }
+
+    /** 识别结果块。 */
+    private data class OcrBlock(val text: String, val x: Float, val y: Float, val width: Float, val height: Float, val confidence: Float)
+    /** 预处理后的张量数据 + 宽高。 */
+    private data class TensorData(val data: FloatArray, val w: Int, val h: Int)
+
+    companion object {
+        /** OCR 最大短边（参考 AutoAccounting OCR_MAX_SHORT_EDGE）。 */
+        private const val OCR_MAX_SHORT_EDGE = 720
+        /** det resize 最大边（PaddleOCR limit_max_side_len 默认值）。 */
+        private const val DET_LIMIT_MAX_SIDE = 960
+        /** DB 二值化阈值。 */
+        private const val DET_THRESH = 0.3f
+        /** 投影法合并相邻文本段的间隔（像素）。 */
+        private const val DET_MERGE_GAP = 10
+        /** rec 固定图像高度。 */
+        private const val REC_IMAGE_HEIGHT = 48
+        /** rec 单行最大宽度。 */
+        private const val REC_MAX_WIDTH = 320
+        /** assets 中的模型/字典文件名。 */
+        private const val ASSET_DET_MODEL = "ppocrv5_det.onnx"
+        private const val ASSET_REC_MODEL = "ppocrv5_rec.onnx"
+        // PP-OCRv5 多语言识别模型的配套字典（18383 字符 + 运行时 1 blank = 18385 维输出）。
+        // 注意：必须与 rec 模型配套，错用旧版 ppocr_keys_v1.txt（6623）会导致 CTC 解码乱码。
+        private const val ASSET_DICT = "ppocrv5_dict.txt"
+    }
+}
--- a/plugins/ppocr/android/OcrPackage.kt
+++ b/plugins/ppocr/android/OcrPackage.kt
@ -0,0 +1,24 @@
+package com.beancount.mobile.ppocr
+
+import android.view.View
+import com.facebook.react.ReactPackage
+import com.facebook.react.bridge.NativeModule
+import com.facebook.react.bridge.ReactApplicationContext
+import com.facebook.react.uimanager.ReactShadowNode
+import com.facebook.react.uimanager.ViewManager
+
+/**
+ * 注册 OcrModule 到 React Native 的 Package（plan.md「3.2 Config Plugin」）。
+ *
+ * 由 app.plugin.js 的 withMainApplication 注入到 MainApplication.getPackages() 列表。
+ * RN 在启动时遍历所有 Package，调用 createNativeModules 注册原生模块。
+ */
+class OcrPackage : ReactPackage {
+    override fun createNativeModules(rc: ReactApplicationContext): List<NativeModule> {
+        return listOf(OcrModule(rc))
+    }
+
+    override fun createViewManagers(rc: ReactApplicationContext): List<ViewManager<View, ReactShadowNode<*>>> {
+        return emptyList()
+    }
+}
--- a/plugins/ppocr/app.plugin.js
+++ b/plugins/ppocr/app.plugin.js
@ -0,0 +1,119 @@
+/**
+ * PP-OCRv5 (ONNX Runtime) Config Plugin（plan.md「决策 4 Expo Config Plugin 方案」+「3.4 Layer 2」）。
+ *
+ * 本插件在 expo prebuild 时：
+ * 1. 复制 Kotlin 源码（OcrModule.kt + OcrPackage.kt）到 android/app/src/main/java/...
+ * 2. 复制 ONNX 模型与字典到 android/app/src/main/assets
+ * 3. 注册 OcrPackage 到 MainApplication（getPackages）
+ * 4. 添加 onnxruntime-android 依赖（app/build.gradle）
+ *
+ * 引擎：ONNX Runtime（跨平台、微软官方、Windows 友好），替代 NCNN 路线。
+ * 注意：SDK 54 的 @expo/config-plugins 暴露的是 withMainApplication / withAppBuildGradle
+ * （没有 withAndroidMainApplication / withAndroidGradle）。文件复制用 withDangerousMod。
+ *
+ * 模型文件放 plugins/ppocr/assets/，版权/体积原因不入仓库，需自行下载（见 README.md）。
+ */
+
+const {
+  withMainApplication,
+  withAppBuildGradle,
+  withDangerousMod,
+} = require('@expo/config-plugins');
+const fs = require('fs');
+const path = require('path');
+
+const PACKAGE = 'com.beancount.mobile.ppocr';
+
+/** 递归复制目录，prebuild 阶段执行一次。 */
+function copyDir(src, dest) {
+  if (!fs.existsSync(src)) return;
+  fs.mkdirSync(dest, { recursive: true });
+  for (const entry of fs.readdirSync(src)) {
+    const s = path.join(src, entry);
+    const d = path.join(dest, entry);
+    if (fs.statSync(s).isDirectory()) copyDir(s, d);
+    else fs.copyFileSync(s, d);
+  }
+}
+
+function withPpOcr(config) {
+  // 1+2. 复制 Kotlin 源码与 ONNX 模型/字典到原生工程
+  config = withDangerousMod(config, [
+    'android',
+    async (modConfig) => {
+      // platformProjectRoot 在 modRequest 里（项目根的 android/ 子目录）
+      const projectRoot = modConfig.modRequest.platformProjectRoot;
+      // Kotlin 源码（OcrModule.kt + OcrPackage.kt）
+      copyDir(
+        path.join(__dirname, 'android'),
+        path.join(projectRoot, 'app/src/main/java/com/beancount/mobile/ppocr'),
+      );
+      // ONNX 模型 + 字典（若已下载）
+      const assetsSrc = path.join(__dirname, 'assets');
+      if (fs.existsSync(assetsSrc)) {
+        copyDir(
+          assetsSrc,
+          path.join(projectRoot, 'app/src/main/assets'),
+        );
+      }
+      return modConfig;
+    },
+  ]);
+
+  // 3. 注册 OcrPackage 到 MainApplication
+  config = withMainApplication(config, (modConfig) => {
+    let content = modConfig.modResults.contents;
+
+    // 3a. 注入 import（在 package 声明行后插入）
+    if (!content.includes(`import ${PACKAGE}.OcrPackage`)) {
+      content = content.replace(
+        /^(package\s+[\w.]+;?\s*)$/m,
+        `$1\nimport ${PACKAGE}.OcrPackage`,
+      );
+    }
+
+    // 3b. 在 getPackages() 的 .apply {} 块里注入 add(OcrPackage())
+    if (!content.includes('add(OcrPackage())')) {
+      if (/PackageList\(this\)\.packages\.apply\s*\{/.test(content)) {
+        // 新架构 Kotlin（SDK 54 默认）：模板已有空 .apply {} 块，在块开头注入
+        content = content.replace(
+          /(PackageList\(this\)\.packages\.apply\s*\{)/,
+          `$1\n              // PP-OCRv5 ONNX 原生模块（由 Config Plugin 注入）\n              add(OcrPackage())`,
+        );
+      } else if (/PackageList\(this\)\.packages\b/.test(content)) {
+        // 新架构变体：.packages 后没有 .apply，包一层
+        content = content.replace(
+          /PackageList\(this\)\.packages\b/,
+          `PackageList(this).packages.apply { add(OcrPackage()) }`,
+        );
+      } else if (/\breturn\s+packages\s*;/.test(content)) {
+        // 老架构 Java：在 return packages; 前插入
+        content = content.replace(
+          /(\breturn\s+packages\s*;)/,
+          `packages.add(new OcrPackage());\n      $1`,
+        );
+      }
+    }
+
+    modConfig.modResults.contents = content;
+    return modConfig;
+  });
+
+  // 4. 配置 app/build.gradle 依赖（ONNX Runtime Android）
+  config = withAppBuildGradle(config, (modConfig) => {
+    let gradle = modConfig.modResults.contents;
+    if (!gradle.includes('onnxruntime')) {
+      // 在 dependencies { 开头处插入，避免嵌套花括号的正则匹配错误
+      gradle = gradle.replace(
+        /(dependencies\s*\{)/,
+        `$1\n    // PP-OCRv5 ONNX Runtime（由 Config Plugin 注入）\n    implementation 'com.microsoft.onnxruntime:onnxruntime-android:1.20.0'`
+      );
+    }
+    modConfig.modResults.contents = gradle;
+    return modConfig;
+  });
+
+  return config;
+}
+
+module.exports = withPpOcr;
--- a/plugins/ppocr/assets/ppocrv5_det.onnx
+++ b/plugins/ppocr/assets/ppocrv5_det.onnx
--- a/plugins/ppocr/assets/ppocrv5_dict.txt
+++ b/plugins/ppocr/assets/ppocrv5_dict.txt
--- a/plugins/ppocr/assets/ppocrv5_rec.onnx
+++ b/plugins/ppocr/assets/ppocrv5_rec.onnx
--- a/plugins/ppocr/package.json
+++ b/plugins/ppocr/package.json
@ -0,0 +1,6 @@
+{
+  "name": "beancount-mobile-plugin-ppocr",
+  "version": "0.1.0",
+  "private": true,
+  "main": "app.plugin.js"
+}
--- a/plugins/screenshot-monitor/android/ScreenshotModule.kt
+++ b/plugins/screenshot-monitor/android/ScreenshotModule.kt
@ -0,0 +1,90 @@
+package com.beancount.mobile.screenshot
+
+import android.net.Uri
+import android.util.Base64
+import android.provider.MediaStore
+import com.facebook.react.bridge.ReactApplicationContext
+import com.facebook.react.bridge.ReactContextBaseJavaModule
+import com.facebook.react.bridge.ReactMethod
+import com.facebook.react.bridge.WritableNativeMap
+import com.facebook.react.modules.core.DeviceEventManagerModule
+import com.beancount.mobile.accessibility.ReactContextHolder
+
+/**
+ * 截图监控 RN Module（plan.md「3.13 截图自动记账通道」）。
+ *
+ * 由 JS 端调用 start()/stop() 控制 ContentObserver 的注册/注销。
+ * 检测到截图时读取 base64 并通过 DeviceEventEmitter 发送到 JS。
+ *
+ * 事件格式（WritableNativeMap）与 BillingAccessibilityService.sendScreenshotEvent 一致：
+ * { base64: "data:image/jpeg;base64,...", packageName: "...", timestamp: Long, displayName: "..." }
+ */
+class ScreenshotModule(private val reactContext: ReactApplicationContext) :
+    ReactContextBaseJavaModule(reactContext) {
+
+    private var observer: ScreenshotObserver? = null
+
+    override fun getName() = "ScreenshotMonitor"
+
+    override fun invalidate() {
+        stop()
+        super.invalidate()
+    }
+
+    /**
+     * 启动截图监控。
+     * 在主线程注册 ContentObserver，检测到截图时发送 billingScreenshot 事件。
+     */
+    @ReactMethod
+    fun start() {
+        if (observer != null) return
+        // 确保 ReactContextHolder 有上下文
+        ReactContextHolder.context = reactContext
+        observer = ScreenshotObserver(reactContext) { uri ->
+            sendScreenshotEvent(uri)
+        }
+        observer?.register()
+    }
+
+    /** 停止截图监控。 */
+    @ReactMethod
+    fun stop() {
+        observer?.unregister()
+        observer = null
+    }
+
+    /** 读取截图 base64 并发送到 JS（WritableNativeMap 格式，与无障碍服务一致）。 */
+    private fun sendScreenshotEvent(uri: Uri) {
+        try {
+            val resolver = reactContext.contentResolver
+            // 读取图片为 base64
+            val inputStream = resolver.openInputStream(uri) ?: return
+            val bytes = inputStream.use { it.readBytes() }
+            inputStream.close()
+            val base64 = "data:image/png;base64," + Base64.encodeToString(bytes, Base64.NO_WRAP)
+
+            // 同时查询显示名
+            val projection = arrayOf(MediaStore.Images.Media.DISPLAY_NAME)
+            var displayName = ""
+            resolver.query(uri, projection, null, null, null)?.use { cursor ->
+                if (cursor.moveToFirst()) {
+                    displayName = cursor.getString(0) ?: ""
+                }
+            }
+
+            val map = WritableNativeMap()
+            map.putString("base64", base64)
+            map.putString("uri", uri.toString())
+            map.putString("packageName", "")
+            map.putString("displayName", displayName)
+            map.putDouble("timestamp", System.currentTimeMillis().toDouble())
+
+            reactContext
+                .getJSModule(DeviceEventManagerModule.RCTDeviceEventEmitter::class.java)
+                .emit("billingScreenshot", map)
+
+        } catch (e: Exception) {
+            android.util.Log.e("ScreenshotModule", "发送截图事件失败: ${e.message}", e)
+        }
+    }
+}
--- a/plugins/screenshot-monitor/android/ScreenshotObserver.kt
+++ b/plugins/screenshot-monitor/android/ScreenshotObserver.kt
@ -0,0 +1,116 @@
+package com.beancount.mobile.screenshot
+
+import android.content.Context
+import android.database.ContentObserver
+import android.net.Uri
+import android.os.Handler
+import android.os.Looper
+import android.provider.MediaStore
+import android.util.Log
+
+/**
+ * 截图监听 ContentObserver（plan.md「3.13 截图自动记账通道」）。
+ *
+ * 参考 BeeCount 的 ScreenshotObserver.kt：
+ * - 监听 MediaStore.Images.Media.EXTERNAL_CONTENT_URI 变化
+ * - 关键词匹配（screenshot/截屏/截图/screen_shot）
+ * - 30 秒时间窗（过滤旧截图）
+ * - processedPaths 去重（最多 200 条）
+ * - 过滤小米 .pending- 临时文件
+ * - 500ms 防抖
+ *
+ * 由 Config Plugin 注册，触发后通过 DeviceEventEmitter 推送到 JS 层 ScreenshotChannel。
+ *
+ * ⚠️ 与 src/domain/constants.ts 同步：TIME_WINDOW_MS、MAX_PROCESSED、SCREENSHOT_KEYWORDS
+ *    修改时需两边同时更新。
+ */
+class ScreenshotObserver(
+    private val context: Context,
+    private val handler: Handler = Handler(Looper.getMainLooper()),
+    private val onScreenshot: (uri: Uri) -> Unit,
+) : ContentObserver(handler) {
+
+    companion object {
+        private const val TAG = "ScreenshotObserver"
+        private const val TIME_WINDOW_MS = 30_000L
+        private const val MAX_PROCESSED = 200
+        private val SCREENSHOT_KEYWORDS = listOf("screenshot", "截屏", "截图", "screen_shot", "Screenshot")
+    }
+
+    private val resolver = context.contentResolver
+    private val processedPaths = LinkedHashSet<String>()
+    @Volatile private var lastCheckTime = System.currentTimeMillis()
+
+    /** 注册监听。 */
+    fun register() {
+        resolver.registerContentObserver(
+            MediaStore.Images.Media.EXTERNAL_CONTENT_URI,
+            true,
+            this,
+        )
+        Log.i(TAG, "截图监听已注册")
+    }
+
+    /** 注销监听。 */
+    fun unregister() {
+        resolver.unregisterContentObserver(this)
+        Log.i(TAG, "截图监听已注销")
+    }
+
+    override fun onChange(selfChange: Boolean, uri: Uri?) {
+        super.onChange(selfChange, uri)
+        uri ?: return
+        handler.post { processNewScreenshot(uri) }
+    }
+
+    private fun processNewScreenshot(uri: Uri) {
+        try {
+            // 查询截图信息
+            val projection = arrayOf(
+                MediaStore.Images.Media.DATA,
+                MediaStore.Images.Media.DATE_ADDED,
+                MediaStore.Images.Media.DISPLAY_NAME,
+            )
+            resolver.query(uri, projection, null, null, null)?.use { cursor ->
+                if (!cursor.moveToFirst()) return
+                val path = cursor.getString(0) ?: ""
+                val dateAdded = cursor.getLong(1)
+                val displayName = cursor.getString(2) ?: ""
+
+                // 1. 时间窗过滤（30 秒内）
+                val now = System.currentTimeMillis() / 1000
+                if (now - dateAdded > TIME_WINDOW_MS / 1000) {
+                    Log.d(TAG, "忽略旧截图（超过30秒）: $displayName")
+                    return
+                }
+
+                // 2. 关键词匹配（必须是截图）
+                if (!SCREENSHOT_KEYWORDS.any { kw -> displayName.contains(kw, true) || path.contains(kw, true) }) {
+                    return
+                }
+
+                // 3. 过滤小米 .pending- 临时文件
+                if (path.endsWith(".pending-") || path.contains(".pending-")) {
+                    Log.d(TAG, "过滤小米 pending 临时文件: $displayName")
+                    return
+                }
+
+                // 4. 去重
+                if (processedPaths.contains(path)) return
+                processedPaths.add(path)
+                if (processedPaths.size > MAX_PROCESSED) {
+                    val it = processedPaths.iterator()
+                    if (it.hasNext()) {
+                        it.next()
+                        it.remove()
+                    }
+                }
+
+                Log.i(TAG, "检测到新截图: $displayName")
+                onScreenshot(uri)
+            }
+        } catch (e: Exception) {
+            Log.e(TAG, "处理截图异常: ${e.message}", e)
+        }
+    }
+}
--- a/plugins/screenshot-monitor/android/ScreenshotPackage.kt
+++ b/plugins/screenshot-monitor/android/ScreenshotPackage.kt
@ -0,0 +1,20 @@
+package com.beancount.mobile.screenshot
+
+import com.facebook.react.ReactPackage
+import com.facebook.react.bridge.NativeModule
+import com.facebook.react.bridge.ReactApplicationContext
+import com.facebook.react.uimanager.ViewManager
+
+/**
+ * ReactPackage 注册 ScreenshotModule。
+ * 由 Config Plugin 的 withMainApplication 注入 add(ScreenshotPackage()) 到 MainApplication。
+ */
+class ScreenshotPackage : ReactPackage {
+    override fun createNativeModules(reactContext: ReactApplicationContext): List<NativeModule> {
+        return listOf(ScreenshotModule(reactContext))
+    }
+
+    override fun createViewManagers(reactContext: ReactApplicationContext): List<ViewManager<*, *>> {
+        return emptyList()
+    }
+}
--- a/plugins/screenshot-monitor/app.plugin.js
+++ b/plugins/screenshot-monitor/app.plugin.js
@ -0,0 +1,88 @@
+/**
+ * 截图监听 Config Plugin（plan.md「3.13 截图自动记账通道」+「决策 4」）。
+ *
+ * Android: ContentObserver 监听 MediaStore Screenshots（需 READ_MEDIA_IMAGES 权限）
+ * iOS: AppIntent 自动记账（通过 expo 配置，原生 Swift 实现）
+ *
+ * 注意：withAndroidManifest 的 modResults 结构是 { manifest: { ... } }，
+ * 操作权限必须通过 modResults.manifest['uses-permission']。
+ */
+
+const { withAndroidManifest, withDangerousMod, withMainApplication } = require('@expo/config-plugins');
+const fs = require('fs');
+const path = require('path');
+
+const PACKAGE = 'com.beancount.mobile.screenshot';
+
+function withScreenshotMonitor(config) {
+  // 1. 复制 Kotlin 源码到原生工程
+  config = withDangerousMod(config, [
+    'android',
+    async (modConfig) => {
+      const projectRoot = modConfig.modRequest.platformProjectRoot;
+      const dest = path.join(projectRoot, 'app/src/main/java/com/beancount/mobile/screenshot');
+      fs.mkdirSync(dest, { recursive: true });
+      const srcDir = path.join(__dirname, 'android');
+      for (const f of fs.readdirSync(srcDir)) {
+        if (f.endsWith('.kt')) {
+          fs.copyFileSync(path.join(srcDir, f), path.join(dest, f));
+        }
+      }
+      return modConfig;
+    },
+  ]);
+
+  // 2. 注册 ScreenshotPackage 到 MainApplication（复制 ppocr 模式）
+  config = withMainApplication(config, (modConfig) => {
+    let content = modConfig.modResults.contents;
+
+    // 2a. 注入 import
+    if (!content.includes(`import ${PACKAGE}.ScreenshotPackage`)) {
+      content = content.replace(
+        /^(package\s+[\w.]+;?\s*)$/m,
+        `$1\nimport ${PACKAGE}.ScreenshotPackage`,
+      );
+    }
+
+    // 2b. 在 getPackages() 的 .apply {} 块里注入 add(ScreenshotPackage())
+    if (!content.includes('add(ScreenshotPackage())')) {
+      if (/PackageList\(this\)\.packages\.apply\s*\{/.test(content)) {
+        content = content.replace(
+          /(PackageList\(this\)\.packages\.apply\s*\{)/,
+          `$1\n              add(ScreenshotPackage())`,
+        );
+      } else if (/PackageList\(this\)\.packages\b/.test(content)) {
+        content = content.replace(
+          /PackageList\(this\)\.packages\b/,
+          `PackageList(this).packages.apply { add(ScreenshotPackage()) }`,
+        );
+      }
+    }
+
+    modConfig.modResults.contents = content;
+    return modConfig;
+  });
+
+  // 3. 添加 READ_MEDIA_IMAGES 权限（Android 13+）
+  config = withAndroidManifest(config, (modConfig) => {
+    const manifest = modConfig.modResults.manifest;
+    if (!manifest['uses-permission']) {
+      manifest['uses-permission'] = [];
+    }
+    const perms = [
+      'android.permission.READ_MEDIA_IMAGES',
+      'android.permission.READ_EXTERNAL_STORAGE',
+    ];
+    for (const perm of perms) {
+      const exists = manifest['uses-permission'].some(p => p.$['android:name'] === perm);
+      if (!exists) {
+        manifest['uses-permission'].push({ $: { 'android:name': perm } });
+      }
+    }
+    return modConfig;
+  });
+
+  return config;
+}
+
+module.exports = withScreenshotMonitor;
--- a/plugins/screenshot-monitor/package.json
+++ b/plugins/screenshot-monitor/package.json
@ -0,0 +1,6 @@
+{
+  "name": "beancount-mobile-plugin-screenshot-monitor",
+  "version": "0.1.0",
+  "private": true,
+  "main": "app.plugin.js"
+}
--- a/plugins/size-optimization/app.plugin.js
+++ b/plugins/size-optimization/app.plugin.js
@ -0,0 +1,48 @@
+const { withDangerousMod } = require('@expo/config-plugins');
+const fs = require('fs');
+const path = require('path');
+
+function withSizeOptimization(config) {
+  // 1. 在 prebuild 时修改 gradle.properties
+  config = withDangerousMod(config, [
+    'android',
+    async (modConfig) => {
+      const projectRoot = modConfig.modRequest.platformProjectRoot;
+      const propertiesPath = path.join(projectRoot, 'gradle.properties');
+      if (fs.existsSync(propertiesPath)) {
+        let content = fs.readFileSync(propertiesPath, 'utf8');
+        if (content.includes('reactNativeArchitectures=')) {
+          content = content.replace(/reactNativeArchitectures=.*/, 'reactNativeArchitectures=arm64-v8a');
+        } else {
+          content += '\nreactNativeArchitectures=arm64-v8a\n';
+        }
+        fs.writeFileSync(propertiesPath, content, 'utf8');
+      }
+      return modConfig;
+    }
+  ]);
+
+  // 2. 在 prebuild 时修改 app/build.gradle 启用 ABI Splits 分包
+  config = withDangerousMod(config, [
+    'android',
+    async (modConfig) => {
+      const projectRoot = modConfig.modRequest.platformProjectRoot;
+      const buildGradlePath = path.join(projectRoot, 'app/build.gradle');
+      if (fs.existsSync(buildGradlePath)) {
+        let content = fs.readFileSync(buildGradlePath, 'utf8');
+        if (!content.includes('splits {')) {
+          content = content.replace(
+            /android\s*\{/,
+            `android {\n    splits {\n        abi {\n            enable true\n            reset()\n            include "armeabi-v7a", "arm64-v8a", "x86", "x86_64"\n            universalApk true\n        }\n    }`
+          );
+          fs.writeFileSync(buildGradlePath, content, 'utf8');
+        }
+      }
+      return modConfig;
+    }
+  ]);
+
+  return config;
+}
+
+module.exports = withSizeOptimization;
--- a/plugins/size-optimization/package.json
+++ b/plugins/size-optimization/package.json
@ -0,0 +1,4 @@
+{
+  "name": "size-optimization",
+  "main": "app.plugin.js"
+}
--- a/plugins/sms-receiver/android/BillingSmsReceiver.kt
+++ b/plugins/sms-receiver/android/BillingSmsReceiver.kt
@ -0,0 +1,73 @@
+package com.beancount.mobile.sms
+
+import android.content.BroadcastReceiver
+import android.content.Context
+import android.content.Intent
+import android.provider.Telephony
+import android.telephony.SmsMessage
+import android.util.Log
+import com.facebook.react.bridge.WritableNativeMap
+import com.facebook.react.modules.core.DeviceEventManagerModule
+import com.beancount.mobile.accessibility.ReactContextHolder
+
+/**
+ * 短信监听 Receiver（plan.md「4.2 短信监听服务」+「决策 4 Config Plugin」）。
+ *
+ * 参考 AutoAccounting 的 SmsReceiver：
+ * - 监听 SMS_RECEIVED_ACTION
+ * - 从 PDU 解析发送方 + 正文
+ * - 关键词预过滤（银行短信含「交易/消费/余额」等，JS 层进一步过滤）
+ * - 通过 DeviceEventEmitter 推送到 JS 层 SmsChannel
+ *
+ * 需在 manifest 注册 RECEIVE_SMS 权限（由 Config Plugin 注入）。
+ */
+class BillingSmsReceiver : BroadcastReceiver() {
+
+    companion object {
+        private const val TAG = "BillingSms"
+
+        /** 银行短信关键词（预过滤，减少 JS 层负担）。 */
+        private val BANK_KEYWORDS = listOf("交易", "消费", "收入", "支出", "余额", "转账", "入账", "扣款", "退款")
+    }
+
+    override fun onReceive(context: Context, intent: Intent) {
+        if (intent.action != Telephony.Sms.Intents.SMS_RECEIVED_ACTION) return
+
+        runCatching {
+            val messages = Telephony.Sms.Intents.getMessagesFromIntent(intent)
+            for (message in messages) {
+                val sender = message.displayOriginatingAddress ?: ""
+                val body = message.displayMessageBody ?: ""
+                if (sender.isBlank() || body.isBlank()) continue
+
+                // 关键词预过滤（仅处理疑似银行短信）
+                if (!BANK_KEYWORDS.any { body.contains(it) }) continue
+
+                Log.d(TAG, "收到银行短信: sender=$sender")
+                sendSmsEvent(sender, body)
+            }
+        }.onFailure {
+            Log.e(TAG, "短信处理异常: ${it.message}", it)
+        }
+    }
+
+    /** 把短信事件推送到 JS 层 SmsChannel.handleSms。 */
+    private fun sendSmsEvent(sender: String, body: String) {
+        val reactContext = ReactContextHolder.context ?: run {
+            Log.w(TAG, "RN 上下文未就绪，丢弃短信")
+            return
+        }
+        try {
+            val map = WritableNativeMap().apply {
+                putString("sender", sender)
+                putString("body", body)
+                putDouble("timestamp", System.currentTimeMillis().toDouble())
+            }
+            reactContext
+                .getJSModule(DeviceEventManagerModule.RCTDeviceEventEmitter::class.java)
+                .emit("billingSms", map)
+        } catch (e: Exception) {
+            Log.e(TAG, "推送短信事件失败: ${e.message}")
+        }
+    }
+}
--- a/plugins/sms-receiver/app.plugin.js
+++ b/plugins/sms-receiver/app.plugin.js
@ -0,0 +1,80 @@
+/**
+ * 短信监听 Config Plugin（plan.md「4.2 短信监听服务」+「决策 4」）。
+ *
+ * 在 expo prebuild 时注册 Android SmsReceiver（manifest receiver + RECEIVE_SMS 权限）。
+ *
+ * 注意：withAndroidManifest 的 modResults 结构是 { manifest: { ... } }，
+ * 操作权限/application 必须通过 modResults.manifest，不是 modResults 本身。
+ */
+
+const { withAndroidManifest, withDangerousMod } = require('@expo/config-plugins');
+const fs = require('fs');
+const path = require('path');
+
+function withSmsReceiver(config) {
+  // 1. 复制 Kotlin 源码到原生工程
+  config = withDangerousMod(config, [
+    'android',
+    async (modConfig) => {
+      const projectRoot = modConfig.modRequest.platformProjectRoot;
+      const dest = path.join(projectRoot, 'app/src/main/java/com/beancount/mobile/sms');
+      fs.mkdirSync(dest, { recursive: true });
+      const srcDir = path.join(__dirname, 'android');
+      for (const f of fs.readdirSync(srcDir)) {
+        if (f.endsWith('.kt')) {
+          fs.copyFileSync(path.join(srcDir, f), path.join(dest, f));
+        }
+      }
+      return modConfig;
+    },
+  ]);
+
+  // 2. 注册 receiver + 权限到 AndroidManifest
+  config = withAndroidManifest(config, (modConfig) => {
+    const manifest = modConfig.modResults.manifest;
+
+    // 1. 添加 RECEIVE_SMS 权限
+    if (!manifest['uses-permission']) {
+      manifest['uses-permission'] = [];
+    }
+    const perms = ['android.permission.RECEIVE_SMS'];
+    for (const perm of perms) {
+      const exists = manifest['uses-permission'].some(p => p.$['android:name'] === perm);
+      if (!exists) {
+        manifest['uses-permission'].push({ $: { 'android:name': perm } });
+      }
+    }
+
+    // 2. 添加短信 Receiver
+    const receiverNode = {
+      $: {
+        'android:name': 'com.beancount.mobile.sms.BillingSmsReceiver',
+        'android:exported': 'true',
+      },
+      'intent-filter': [{
+        action: [{ $: { 'android:name': 'android.provider.Telephony.SMS_RECEIVED' } }],
+      }],
+    };
+
+    // 确保 application[0] 存在
+    if (!Array.isArray(manifest.application) || manifest.application.length === 0) {
+      manifest.application = [{ $: {} }];
+    }
+    const app = manifest.application[0];
+    if (!app.receiver) {
+      app.receiver = [];
+    }
+    const exists = app.receiver.some(
+      r => r.$['android:name'] === 'com.beancount.mobile.sms.BillingSmsReceiver'
+    );
+    if (!exists) {
+      app.receiver.push(receiverNode);
+    }
+
+    return modConfig;
+  });
+
+  return config;
+}
+
+module.exports = withSmsReceiver;
--- a/plugins/sms-receiver/package.json
+++ b/plugins/sms-receiver/package.json
@ -0,0 +1,6 @@
+{
+  "name": "beancount-mobile-plugin-sms-receiver",
+  "version": "0.1.0",
+  "private": true,
+  "main": "app.plugin.js"
+}
--- a/src/ai/chatAssistant.ts
+++ b/src/ai/chatAssistant.ts
@ -0,0 +1,98 @@
+/**
+ * AI 聊天助手（plan.md「8.1 AI 聊天助手」）。
+ *
+ * 参考 BeeCount 的 AIChatService（GLM-4）：
+ * - 意图判定：是否为记账意图（金额关键词检测）
+ * - 记账模式 → processNaturalLanguage 返回草稿
+ * - 自由对话 → AI 自由回答
+ *
+ * 复用 domain/ai.ts 的 processNaturalLanguage + buildNaturalLanguagePrompt。
+ */
+
+import { CHAT_TRANSACTION_KEYWORDS } from '../domain/constants';
+import { processNaturalLanguage, removeThink, type AiProvider, type AiBillResult } from '../domain/ai';
+
+export interface ChatMessage {
+  role: 'user' | 'assistant';
+  content: string;
+}
+
+export interface ChatConversation {
+  id: string;
+  messages: ChatMessage[];
+  createdAt: string;
+}
+
+export interface ChatResponse {
+  type: 'bill_card' | 'text' | 'error';
+  text?: string;
+  billCards?: AiBillResult[];
+  error?: string;
+}
+
+const AMOUNT_PATTERN = /\d+(?:\.\d+)?/;
+
+/** 判断是否为记账意图（金额 + 关键词）。 */
+export function isTransactionIntent(input: string): boolean {
+  const hasAmount = AMOUNT_PATTERN.test(input);
+  const hasKeyword = CHAT_TRANSACTION_KEYWORDS.some(kw => input.includes(kw));
+  return hasAmount && hasKeyword;
+}
+
+/**
+ * 处理用户消息：判定意图 → 记账或自由对话。
+ */
+export async function processChatMessage(
+  input: string,
+  provider: AiProvider,
+  conversation?: ChatConversation,
+): Promise<ChatResponse> {
+  try {
+    // 意图判定
+    if (isTransactionIntent(input)) {
+      const result = await processNaturalLanguage(input, provider);
+      if (result.type === 'draft') {
+        return { type: 'bill_card', billCards: [result.draft] };
+      }
+      // 非 draft 但有意图 → 返回 AI 文本
+      return { type: 'text', text: result.text };
+    }
+
+    // 自由对话
+    const messages = buildChatContext(input, conversation);
+    const response = await provider.chat(messages);
+    return { type: 'text', text: removeThink(response) };
+  } catch (e) {
+    return { type: 'error', error: e instanceof Error ? e.message : String(e) };
+  }
+}
+
+/** 构建对话上下文（含历史消息）。 */
+function buildChatContext(input: string, conversation?: ChatConversation) {
+  const systemPrompt = {
+    role: 'system' as const,
+    content: '你是一个记账助手。用户描述消费/收入时，帮助解析为交易。其他问题正常回答。回答简洁。',
+  };
+  const history = (conversation?.messages ?? []).slice(-10).map(m => ({
+    role: m.role === 'user' ? 'user' as const : 'assistant' as const,
+    content: m.content,
+  }));
+  return [systemPrompt, ...history, { role: 'user' as const, content: input }];
+}
+
+/** 创建新对话。 */
+export function createConversation(): ChatConversation {
+  return {
+    id: `chat-${Date.now()}`,
+    messages: [],
+    createdAt: new Date().toISOString(),
+  };
+}
+
+/** 添加消息到对话。 */
+export function appendMessage(conversation: ChatConversation, message: ChatMessage): ChatConversation {
+  return {
+    ...conversation,
+    messages: [...conversation.messages, message],
+  };
+}
--- a/src/ai/monthlySummary.ts
+++ b/src/ai/monthlySummary.ts
@ -0,0 +1,94 @@
+/**
+ * AI 月度总结（plan.md「8.3 AI 月度总结」）。
+ *
+ * 参考 AutoAccounting 的 SummaryService：
+ * - 计算月度统计数据（支出/收入/分类/商户）
+ * - 构建结构化 prompt
+ * - 调用 AI 生成总结报告
+ *
+ * 复用 domain/ai.ts 的 buildMonthlySummaryPrompt + annualReport 的统计函数。
+ */
+
+import { buildMonthlySummaryPrompt, type AiProvider } from '../domain/ai';
+import { generateAnnualReport } from '../domain/annualReport';
+import { removeThink } from '../domain/ai';
+import type { Transaction } from '../domain/types';
+
+export interface MonthlyStats {
+  year: number;
+  month: number;
+  totalExpense: string;
+  totalIncome: string;
+  transactionCount: number;
+  topCategories: { category: string; amount: string }[];
+}
+
+export interface MonthlySummaryResult {
+  stats: MonthlyStats;
+  /** AI 生成的总结文本。 */
+  summary: string;
+}
+
+/** 计算月度统计（纯函数）。 */
+export function calculateMonthlyStats(
+  transactions: Transaction[],
+  year: number,
+  month: number,
+): MonthlyStats {
+  const monthStr = `${year}-${String(month).padStart(2, '0')}`;
+  const monthTx = transactions.filter(t => t.date.startsWith(monthStr));
+
+  // 复用年度报告的统计逻辑（过滤到当月）
+  const report = generateAnnualReport(monthTx, year);
+  return {
+    year,
+    month,
+    totalExpense: report.totalExpense,
+    totalIncome: report.totalIncome,
+    transactionCount: report.transactionCount,
+    topCategories: report.topCategories.slice(0, 5).map(c => ({ category: c.category, amount: c.amount })),
+  };
+}
+
+/**
+ * 生成 AI 月度总结。
+ */
+export async function generateMonthlySummary(
+  transactions: Transaction[],
+  year: number,
+  month: number,
+  provider: AiProvider,
+): Promise<MonthlySummaryResult> {
+  const stats = calculateMonthlyStats(transactions, year, month);
+
+  const messages = buildMonthlySummaryPrompt({
+    totalExpense: stats.totalExpense,
+    totalIncome: stats.totalIncome,
+    transactionCount: stats.transactionCount,
+    topCategories: stats.topCategories,
+  });
+
+  const response = await provider.chat(messages);
+  return {
+    stats,
+    summary: removeThink(response),
+  };
+}
+
+/** 无 AI 的纯文本总结（降级，不调 AI）。 */
+export function generatePlainTextSummary(stats: MonthlyStats): string {
+  const lines: string[] = [];
+  lines.push(`📊 ${stats.year}年${stats.month}月财务总结`);
+  lines.push('');
+  lines.push(`💰 总收入：${stats.totalIncome} 元`);
+  lines.push(`💸 总支出：${stats.totalExpense} 元`);
+  lines.push(`📝 交易笔数：${stats.transactionCount}`);
+  lines.push('');
+  if (stats.topCategories.length > 0) {
+    lines.push('🏷️ 主要支出分类：');
+    for (const cat of stats.topCategories) {
+      lines.push(`   ${cat.category}: ${cat.amount} 元`);
+    }
+  }
+  return lines.join('\n');
+}
--- a/src/ai/voiceInput.ts
+++ b/src/ai/voiceInput.ts
@ -0,0 +1,186 @@
+/**
+ * 语音记账（plan.md「8.2 语音记账」）。
+ *
+ * 参考 BeeCount 的 VoiceBillingHelper（长按说话 / 自动检测两种模式）。
+ *
+ * 录音/语音转文字通过注入抽象（生产用 expo-av + AI Provider 的 audio/transcriptions，
+ * 测试用 mock），转文字后调用 processNaturalLanguage 解析为交易草稿。
+ */
+
+import { processNaturalLanguage, type AiProvider, type AiBillResult } from '../domain/ai';
+import { logger } from '../utils/logger';
+
+/** 录音器抽象（生产用 expo-av，测试用 mock）。 */
+export interface AudioRecorder {
+  /** 请求录音权限，返回是否授权。 */
+  requestPermission(): Promise<boolean>;
+  /** 开始录音，返回录音句柄。 */
+  start(): Promise<RecordingHandle>;
+}
+
+export interface RecordingHandle {
+  /** 停止录音，返回音频 URI。 */
+  stop(): Promise<string>;
+}
+
+/** 语音转文字抽象（生产用 AI Provider 的 audio/transcriptions，测试用 mock）。 */
+export interface SpeechToText {
+  transcribe(audioUri: string): Promise<string>;
+}
+
+export type VoiceTriggerMode = 'auto-detect' | 'press-to-talk';
+
+export interface VoiceInputConfig {
+  mode: VoiceTriggerMode;
+  /** 自动检测模式的静音超时（毫秒，默认 2000）。 */
+  silenceTimeoutMs: number;
+  /** 最大录音时长（毫秒，默认 60000）。 */
+  maxDurationMs: number;
+  /** 振幅阈值（自动检测开始说话，0-1，默认 0.58 ≈ -25dB）。 */
+  amplitudeThreshold: number;
+}
+
+export const DEFAULT_VOICE_CONFIG: VoiceInputConfig = {
+  mode: 'press-to-talk',
+  silenceTimeoutMs: 2000,
+  maxDurationMs: 60_000,
+  amplitudeThreshold: 0.58,
+};
+
+export interface VoiceBillingResult {
+  /** 转写的文字。 */
+  transcription: string;
+  /** 解析结果（draft 表示识别为交易，text 表示自由文本）。 */
+  parsed: { type: 'draft'; draft: AiBillResult } | { type: 'text'; text: string } | null;
+}
+
+/**
+ * 语音记账协调器。
+ *
+ * 用法：
+ *   const voice = new VoiceInput(recorder, stt, aiProvider);
+ *   const result = await voice.processPressToTalk();
+ */
+export class VoiceInput {
+  private currentRecording: RecordingHandle | null = null;
+
+  constructor(
+    private readonly recorder: AudioRecorder,
+    private readonly stt: SpeechToText,
+    private readonly aiProvider: AiProvider,
+    private readonly config: VoiceInputConfig = DEFAULT_VOICE_CONFIG,
+  ) {}
+
+  /**
+   * 按住说话模式：开始录音 → 停止 → 转写 → 解析。
+   * 由 UI 调用 start/stop 控制录音时机。
+   */
+  async startRecording(): Promise<void> {
+    const granted = await this.recorder.requestPermission();
+    if (!granted) throw new Error('需要录音权限');
+    this.currentRecording = await this.recorder.start();
+    logger.info('voice', '开始录音');
+  }
+
+  /** 停止录音并处理。 */
+  async stopAndProcess(): Promise<VoiceBillingResult> {
+    if (!this.currentRecording) throw new Error('未在录音中');
+    const audioUri = await this.currentRecording.stop();
+    this.currentRecording = null;
+    logger.info('voice', `录音完成: ${audioUri}`);
+
+    const transcription = await this.stt.transcribe(audioUri);
+    logger.info('voice', `转写结果: ${transcription}`);
+
+    if (!transcription.trim()) {
+      return { transcription: '', parsed: null };
+    }
+
+    const parsed = await processNaturalLanguage(transcription, this.aiProvider);
+    return { transcription, parsed };
+  }
+
+  /**
+   * 自动检测模式：录音 → 静音检测停止 → 转写 → 解析。
+   * 内部管理 start/stop（基于振幅阈值 + 静音超时）。
+   */
+  async processAutoDetect(
+    getAmplitude: () => number,
+  ): Promise<VoiceBillingResult> {
+    await this.startRecording();
+
+    // 等待开始说话（振幅超阈值）
+    const startDeadline = Date.now() + this.config.maxDurationMs;
+    let speakingFrames = 0;
+    while (Date.now() < startDeadline) {
+      const amp = getAmplitude();
+      if (amp >= this.config.amplitudeThreshold) {
+        speakingFrames++;
+        if (speakingFrames >= 5) break;  // 连续 5 帧判定开始说话
+      } else {
+        speakingFrames = 0;
+      }
+      await sleep(100);
+    }
+
+    // 等待静音（振幅低于阈值超过 silenceTimeoutMs）
+    let lastLoudTime = Date.now();
+    const stopDeadline = Date.now() + this.config.maxDurationMs;
+    while (Date.now() < stopDeadline) {
+      const amp = getAmplitude();
+      if (amp >= this.config.amplitudeThreshold) {
+        lastLoudTime = Date.now();
+      } else if (Date.now() - lastLoudTime > this.config.silenceTimeoutMs) {
+        break;  // 静音超时，停止
+      }
+      await sleep(100);
+    }
+
+    return this.stopAndProcess();
+  }
+
+  /** 取消当前录音。 */
+  cancel(): void {
+    this.currentRecording = null;
+    logger.info('voice', '录音已取消');
+  }
+}
+
+function sleep(ms: number): Promise<void> {
+  return new Promise(resolve => setTimeout(resolve, ms));
+}
+
+/** 模拟录音器（测试用）。 */
+export class MockAudioRecorder implements AudioRecorder {
+  public permissionGranted = true;
+  public startCount = 0;
+  private stopHandler: (() => string) | null = null;
+
+  requestPermission(): Promise<boolean> {
+    return Promise.resolve(this.permissionGranted);
+  }
+  async start(): Promise<RecordingHandle> {
+    this.startCount++;
+    return {
+      stop: async () => {
+        return this.stopHandler?.() ?? 'mock://audio.wav';
+      },
+    };
+  }
+  /** 测试辅助：设置 stop 返回的 URI。 */
+  setStopResult(uri: string): void {
+    this.stopHandler = () => uri;
+  }
+}
+
+/** 模拟语音转文字（测试用）。 */
+export class MockSpeechToText implements SpeechToText {
+  constructor(private response: string = '') {}
+  async transcribe(): Promise<string> {
+    return this.response;
+  }
+  /** 测试辅助。 */
+  setResponse(text: string): void {
+    this.response = text;
+  }
+}
--- a/src/app/(tabs)/_layout.tsx
+++ b/src/app/(tabs)/_layout.tsx
@ -0,0 +1,54 @@
+import React from 'react';
+import { Tabs } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+
+/** 底部 Tab 导航：首页/交易/报表/导入/规则/设置。 */
+export default function TabsLayout() {
+  const { theme } = useTheme();
+  const t = useT();
+
+  return (
+    <Tabs
+      screenOptions={{
+        headerShown: false,
+        tabBarActiveTintColor: theme.colors.accent,
+        tabBarInactiveTintColor: theme.colors.fgSecondary,
+        tabBarStyle: {
+          backgroundColor: theme.colors.bgSecondary,
+          borderTopColor: theme.colors.border,
+        },
+      }}
+    >
+      <Tabs.Screen
+        name="index"
+        options={{
+          title: t('tab.home'),
+          tabBarIcon: ({ color, size }) => <Ionicons name="home-outline" size={size} color={color} />,
+        }}
+      />
+      <Tabs.Screen
+        name="transactions"
+        options={{
+          title: t('tab.transactions'),
+          tabBarIcon: ({ color, size }) => <Ionicons name="list-outline" size={size} color={color} />,
+        }}
+      />
+      <Tabs.Screen
+        name="report"
+        options={{
+          title: t('tab.report'),
+          tabBarIcon: ({ color, size }) => <Ionicons name="pie-chart-outline" size={size} color={color} />,
+        }}
+      />
+      <Tabs.Screen
+        name="settings"
+        options={{
+          title: t('tab.settings'),
+          tabBarIcon: ({ color, size }) => <Ionicons name="settings-outline" size={size} color={color} />,
+        }}
+      />
+    </Tabs>
+  );
+}
--- a/src/app/(tabs)/index.tsx
+++ b/src/app/(tabs)/index.tsx
@ -0,0 +1,231 @@
+import React, { useEffect, useMemo, useRef } from 'react';
+import { Pressable, ScrollView, StyleSheet, Text, View, Alert } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { useLedgerStore } from '../../store/ledgerStore';
+import { useMetadataStore } from '../../store/metadataStore';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { Card } from '../../components/Card';
+import { SpeedDial } from '../../components/SpeedDial';
+import { TransactionCard } from '../../components/TransactionCard';
+import { AccountTree } from '../../components/AccountTree';
+import { TrendLine } from '../../components/charts/TrendLine';
+import { calculateNetWorth } from '../../domain/netWorth';
+import { groupByMonth } from '../../domain/chartStats';
+import { buildAccountTree } from '../../domain/accountTree';
+import { getDueRecurring, instantiateRecurring, calculateNextDueDate } from '../../domain/recurring';
+
+export default function HomeScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+  
+  const ledger = useLedgerStore(s => s.ledger);
+  const addTransaction = useLedgerStore(s => s.addTransaction);
+  
+  const recurringTransactions = useMetadataStore(s => s.recurringTransactions);
+  const updateRecurringTransaction = useMetadataStore(s => s.updateRecurringTransaction);
+
+  const transactions = useMemo(() => ledger?.transactions ?? [], [ledger]);
+  const netWorth = useMemo(() => calculateNetWorth(transactions), [transactions]);
+  const monthlyData = useMemo(() => groupByMonth(transactions), [transactions]);
+  const currentMonth = useMemo(() => {
+    if (monthlyData.length === 0) return null;
+    return monthlyData[monthlyData.length - 1];
+  }, [monthlyData]);
+  // 1. 账户树计算
+  const accountNodes = useMemo(() => {
+    if (!ledger || !ledger.accounts) return [];
+    return buildAccountTree(ledger.accounts, transactions, ledger);
+  }, [ledger, transactions]);
+
+  // 2. 周期性记账到期计算
+  const todayStr = useMemo(() => new Date().toISOString().slice(0, 10), []);
+  const dueRecurring = useMemo(() => {
+    return getDueRecurring(recurringTransactions, todayStr);
+  }, [recurringTransactions, todayStr]);
+
+  // 周期记账自动触发：启动时自动确认标记了 autoConfirm 的到期项
+  const autoConfirmed = useRef(false);
+  useEffect(() => {
+    let isMounted = true;
+    if (autoConfirmed.current) return;
+    const autoDue = dueRecurring.filter(r => r.autoConfirm);
+    if (autoDue.length === 0) return;
+    autoConfirmed.current = true;
+    (async () => {
+      for (const rec of autoDue) {
+        if (!isMounted) break;
+        try {
+          const draft = instantiateRecurring(rec);
+          await addTransaction(draft);
+          const nextDueDate = calculateNextDueDate(rec.frequency, rec.interval, rec.nextDueDate);
+          updateRecurringTransaction(rec.id, { nextDueDate });
+        } catch {
+          // 静默失败，用户可在周期管理页手动处理
+        }
+      }
+    })();
+    return () => { isMounted = false; };
+  }, [dueRecurring, addTransaction, updateRecurringTransaction]);
+
+  const handleConfirmRecurring = async (rec: any) => {
+    try {
+      const draft = instantiateRecurring(rec);
+      await addTransaction(draft);
+      const nextDueDate = calculateNextDueDate(rec.frequency, rec.interval, rec.nextDueDate);
+      updateRecurringTransaction(rec.id, { nextDueDate });
+      Alert.alert(t('home.recurringSuccess'), t('home.recurringSuccessDesc', { name: rec.name }));
+    } catch (e) {
+      Alert.alert(t('home.recurringFail'), String(e));
+    }
+  };
+
+  // 3. 千分位格式化金额
+  const fmtAmount = (s: string) => {
+    if (!s || s === '0') return '¥0.00';
+    const num = parseFloat(s);
+    if (isNaN(num)) return s;
+    const formatted = num.toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+    return num >= 0 ? `¥${formatted}` : `-¥${Math.abs(num).toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
+  };
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Text style={[theme.typography.h1, { color: theme.colors.fgPrimary, fontFamily: theme.typography.h1.fontFamily }]}>
+          {t('app.name')}
+        </Text>
+      </View>
+      <ScrollView contentContainerStyle={[styles.content, { gap: theme.spacing.md }]}>
+        
+        {/* 净资产 Hero 卡片 */}
+        <Card
+          style={{
+            backgroundColor: theme.colors.accent,
+            borderColor: theme.colors.accentLight,
+            shadowColor: theme.colors.accent,
+            shadowOpacity: 0.15,
+            shadowRadius: 10,
+          }}
+        >
+          <Text style={[theme.typography.caption, { color: 'rgba(255,255,255,0.7)', fontSize: 13, fontWeight: '600', fontFamily: theme.typography.caption.fontFamily }]}>
+            {t('home.netWorthTitle')}
+          </Text>
+          <Text style={[theme.typography.h1, { color: '#FFFFFF', fontSize: 32, fontWeight: '800', marginVertical: 8, fontFamily: 'monospace' }]}>
+            {fmtAmount(netWorth.netWorth)}
+          </Text>
+          <View style={styles.heroFooter}>
+            <View>
+              <Text style={[theme.typography.caption, { color: 'rgba(255,255,255,0.7)', fontFamily: theme.typography.caption.fontFamily }]}>
+                {t('home.assets')}
+              </Text>
+              <Text style={[theme.typography.h3, { color: '#FFFFFF', fontSize: 15, fontWeight: '700', marginTop: 2, fontFamily: 'monospace' }]}>
+                {fmtAmount(netWorth.assets)}
+              </Text>
+            </View>
+            <View style={{ alignItems: 'flex-end' }}>
+              <Text style={[theme.typography.caption, { color: 'rgba(255,255,255,0.7)', fontFamily: theme.typography.caption.fontFamily }]}>
+                {t('home.liabilities')}
+              </Text>
+              <Text style={[theme.typography.h3, { color: 'rgba(255,255,255,0.9)', fontSize: 15, fontWeight: '700', marginTop: 2, fontFamily: 'monospace' }]}>
+                {fmtAmount(netWorth.liabilities)}
+              </Text>
+            </View>
+          </View>
+        </Card>
+
+        {/* Bento 双格排列 */}
+        {(dueRecurring.length > 0 || currentMonth) && (
+          <View style={styles.bentoRow}>
+            {dueRecurring.length > 0 ? (
+              <Card title={t('home.dueRecurring')} style={styles.bentoCol}>
+                <View style={styles.recurringList}>
+                  {dueRecurring.slice(0, 2).map(rec => (
+                    <View key={rec.id} style={[styles.recurringItem, { borderBottomColor: theme.colors.divider }]}>
+                      <Text style={[theme.typography.caption, { color: theme.colors.fgPrimary, fontWeight: '700', fontFamily: theme.typography.caption.fontFamily }]} numberOfLines={1}>
+                        {rec.name}
+                      </Text>
+                      <Pressable
+                        onPress={() => handleConfirmRecurring(rec)}
+                        style={({ pressed }) => [
+                          styles.confirmBtnMini,
+                          {
+                            backgroundColor: theme.colors.bgTertiary,
+                            borderColor: theme.colors.border,
+                            borderRadius: theme.radii.sm,
+                            opacity: pressed ? 0.7 : 1,
+                          },
+                        ]}
+                      >
+                        <Text style={{ color: theme.colors.accent, fontSize: 10, fontWeight: '800', textAlign: 'center' }}>
+                          {rec.draft.postings[0]?.amount} CNY
+                        </Text>
+                      </Pressable>
+                    </View>
+                  ))}
+                </View>
+              </Card>
+            ) : null}
+
+            {currentMonth ? (
+              <Card title={`${currentMonth.month.slice(5)} ${t('home.title')}`} style={styles.bentoCol}>
+                <View style={styles.bentoStats}>
+                  <View>
+                    <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, fontFamily: theme.typography.caption.fontFamily }]}>
+                      {t('home.income')}
+                    </Text>
+                    <Text style={[theme.typography.bodySmall, { color: theme.colors.financial.income, fontWeight: '700', fontFamily: 'monospace', marginTop: 2 }]} numberOfLines={1}>
+                      +{fmtAmount(currentMonth.income.toString())}
+                    </Text>
+                  </View>
+                  <View>
+                    <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, fontFamily: theme.typography.caption.fontFamily }]}>
+                      {t('home.expense')}
+                    </Text>
+                    <Text style={[theme.typography.bodySmall, { color: theme.colors.financial.expense, fontWeight: '700', fontFamily: 'monospace', marginTop: 2 }]} numberOfLines={1}>
+                      -{fmtAmount(currentMonth.expense.toString())}
+                    </Text>
+                  </View>
+                </View>
+              </Card>
+            ) : null}
+          </View>
+        )}
+
+        {/* 月度趋势 */}
+        {monthlyData.length > 0 && (
+          <Card title={t('home.monthlyTrend')}>
+            <TrendLine transactions={transactions} />
+          </Card>
+        )}
+
+        {/* 账户与资产余额树 */}
+        {accountNodes.length > 0 && (
+          <Card title={t('home.accountTree')}>
+            <AccountTree nodes={accountNodes} />
+          </Card>
+        )}
+      </ScrollView>
+      <SpeedDial actions={[
+        { key: 'new', icon: 'create-outline', label: t('home.newTransaction'), onPress: () => router.push('/transaction/new') },
+        { key: 'ocr', icon: 'camera-outline', label: t('home.ocrScan'), onPress: () => router.push({ pathname: '/transaction/new', params: { mode: 'ocr' } }) },
+        { key: 'import', icon: 'download-outline', label: t('tab.import'), onPress: () => router.push('/import') },
+      ]} />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, paddingBottom: 96 },
+  heroFooter: { flexDirection: 'row', justifyContent: 'space-between', borderTopWidth: StyleSheet.hairlineWidth, borderTopColor: 'rgba(255,255,255,0.15)', paddingTop: 10, marginTop: 4 },
+  bentoRow: { flexDirection: 'row', gap: 12 },
+  bentoCol: { flex: 1 },
+  recurringList: { gap: 8 },
+  recurringItem: { flexDirection: 'row', alignItems: 'center', justifyContent: 'space-between', paddingBottom: 6, borderBottomWidth: StyleSheet.hairlineWidth },
+  confirmBtnMini: { paddingVertical: 4, paddingHorizontal: 8, borderWidth: StyleSheet.hairlineWidth },
+  bentoStats: { gap: 8 },
+});
--- a/src/app/(tabs)/report.tsx
+++ b/src/app/(tabs)/report.tsx
@ -0,0 +1,446 @@
+/**
+ * 报表页（plan.md「5.2 图表与可视化」+「5.3 年度报告」）。
+ *
+ * 功能：
+ * - 月份切换器（上一月/下一月）
+ * - 月度收支/分类占比/热力图/净资产趋势/年度报告
+ * - 导出报表为图片（react-native-view-shot）
+ * - AI 月度总结（generatePlainTextSummary / generateMonthlySummary）
+ */
+import React, { useMemo, useRef, useState } from 'react';
+import { Alert, Modal, Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { captureRef } from 'react-native-view-shot';
+import * as Sharing from 'expo-sharing';
+import { useLedgerStore } from '../../store/ledgerStore';
+import { useSettingsStore } from '../../store/settingsStore';
+import { useTheme, createCommonStyles } from '../../theme';
+import { useT } from '../../i18n';
+import { Card } from '../../components/Card';
+import { Button } from '../../components/Button';
+import { MonthlyReport } from '../../components/charts/MonthlyReport';
+import { CategoryPie } from '../../components/charts/CategoryPie';
+import { CalendarView } from '../../components/CalendarView';
+import { TransactionCard } from '../../components/TransactionCard';
+import { NetWorthChart } from '../../components/charts/NetWorthChart';
+import { AnnualReport } from '../../components/charts/AnnualReport';
+import { calculateMonthlyStats, generatePlainTextSummary, generateMonthlySummary } from '../../ai/monthlySummary';
+import { BaseOpenAIProvider } from '../../domain/ai';
+
+export default function ReportScreen() {
+  const { theme } = useTheme();
+  const commonStyles = createCommonStyles(theme);
+  const t = useT();
+  const router = useRouter();
+  const ledger = useLedgerStore(s => s.ledger);
+  const aiEnabled = useSettingsStore(s => s.aiEnabled);
+  const aiApiKey = useSettingsStore(s => s.aiApiKey);
+  const aiBaseUrl = useSettingsStore(s => s.aiBaseUrl);
+  const aiModel = useSettingsStore(s => s.aiModel);
+
+  // Tab 状态
+  const [activeTab, setActiveTab] = useState<'weekly' | 'monthly' | 'annual'>('monthly');
+
+  // 月份切换状态
+  const now = new Date();
+  const [viewYear, setViewYear] = useState(now.getFullYear());
+  const [viewMonth, setViewMonth] = useState(now.getMonth() + 1);
+
+  // 周切换状态
+  const [viewWeekDate, setViewWeekDate] = useState(new Date());
+
+  // 日历选中日期用于明细展开
+  const [selectedReportDate, setSelectedReportDate] = useState<string | null>(null);
+
+  // AI 总结弹窗
+  const [summaryModal, setSummaryModal] = useState(false);
+  const [summaryText, setSummaryText] = useState('');
+
+  // 截图 ref
+  const scrollRef = useRef<ScrollView>(null);
+
+  const transactions = useMemo(() => ledger?.transactions ?? [], [ledger]);
+
+  // 周报表的时间范围：计算周一和周日
+  const weeklyRange = useMemo(() => {
+    const d = new Date(viewWeekDate);
+    const day = d.getDay(); // 0 is Sunday, 1-6 is Mon-Sat
+    const diffToMonday = day === 0 ? -6 : 1 - day;
+    
+    const monday = new Date(d);
+    monday.setDate(d.getDate() + diffToMonday);
+    monday.setHours(0,0,0,0);
+    
+    const sunday = new Date(monday);
+    sunday.setDate(monday.getDate() + 6);
+    sunday.setHours(23,59,59,999);
+    
+    // 计算 ISO 周数
+    const date = new Date(monday.getTime());
+    date.setHours(0, 0, 0, 0);
+    date.setDate(date.getDate() + 3 - (date.getDay() + 6) % 7);
+    const week1 = new Date(date.getFullYear(), 0, 4);
+    const weekNum = 1 + Math.round(((date.getTime() - week1.getTime()) / 86400000 - 3 + (week1.getDay() + 6) % 7) / 7);
+
+    return {
+      startStr: monday.toISOString().slice(0, 10),
+      endStr: sunday.toISOString().slice(0, 10),
+      label: `${monday.getFullYear()}年第${weekNum}周 (${monday.getMonth()+1}/${monday.getDate()} ~ ${sunday.getMonth()+1}/${sunday.getDate()})`
+    };
+  }, [viewWeekDate]);
+
+  const changeWeek = (days: number) => {
+    setSelectedReportDate(null);
+    const next = new Date(viewWeekDate);
+    next.setDate(next.getDate() + days);
+    setViewWeekDate(next);
+  };
+
+  // 净资产趋势的日期序列（基于选中月份，往前 6 个月）
+  const netWorthDates = useMemo(() => {
+    const dates: string[] = [];
+    for (let i = 5; i >= 0; i--) {
+      const d = new Date(viewYear, viewMonth - 1 - i, 1);
+      dates.push(d.toISOString().slice(0, 10));
+    }
+    return dates;
+  }, [viewYear, viewMonth]);
+
+  const prevMonth = () => {
+    setSelectedReportDate(null);
+    if (viewMonth === 1) { setViewMonth(12); setViewYear(y => y - 1); }
+    else setViewMonth(m => m - 1);
+  };
+  const nextMonth = () => {
+    setSelectedReportDate(null);
+    if (viewMonth === 12) { setViewMonth(1); setViewYear(y => y + 1); }
+    else setViewMonth(m => m + 1);
+  };
+
+  // 过滤后的交易
+  const weeklyTxs = useMemo(() => {
+    return transactions.filter(t => t.date >= weeklyRange.startStr && t.date <= weeklyRange.endStr);
+  }, [transactions, weeklyRange]);
+
+  const monthlyTxs = useMemo(() => {
+    const prefix = `${viewYear}-${String(viewMonth).padStart(2, '0')}`;
+    return transactions.filter(t => t.date.startsWith(prefix));
+  }, [transactions, viewYear, viewMonth]);
+
+  const annualTxs = useMemo(() => {
+    return transactions.filter(t => t.date.startsWith(String(viewYear)));
+  }, [transactions, viewYear]);
+
+  // 周收支统计
+  const weeklyStats = useMemo(() => {
+    let income = 0;
+    let expense = 0;
+    for (const t of weeklyTxs) {
+      for (const p of t.postings) {
+        if (!p.amount) continue;
+        const amt = parseFloat(p.amount);
+        if (p.account.startsWith('Income')) income += -amt;
+        if (p.account.startsWith('Expenses')) expense += amt;
+      }
+    }
+    return { income, expense, net: income - expense, count: weeklyTxs.length };
+  }, [weeklyTxs]);
+
+  // 月度收支统计
+  const monthlyStats = useMemo(() => {
+    let income = 0;
+    let expense = 0;
+    for (const t of monthlyTxs) {
+      for (const p of t.postings) {
+        if (!p.amount) continue;
+        const amt = parseFloat(p.amount);
+        if (p.account.startsWith('Income')) income += -amt;
+        if (p.account.startsWith('Expenses')) expense += amt;
+      }
+    }
+    return { income, expense, net: income - expense, count: monthlyTxs.length };
+  }, [monthlyTxs]);
+
+  // 选中日期的交易明细
+  const selectedDayTxs = useMemo(() => {
+    if (!selectedReportDate) return [];
+    return monthlyTxs.filter(t => t.date.slice(0, 10) === selectedReportDate);
+  }, [monthlyTxs, selectedReportDate]);
+
+  // 千分位格式化金额
+  const fmtAmount = (num: number) => {
+    const formatted = num.toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+    return num >= 0 ? `¥${formatted}` : `-¥${Math.abs(num).toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
+  };
+
+  // 导出报表为图片
+  const handleExportImage = async () => {
+    try {
+      if (!scrollRef.current) return;
+      const uri = await captureRef(scrollRef, { format: 'png', quality: 0.9 });
+      if (await Sharing.isAvailableAsync()) {
+        await Sharing.shareAsync(uri, { mimeType: 'image/png', dialogTitle: t('report.shareTitle') });
+      } else {
+        Alert.alert(t('report.exportSuccess'), uri);
+      }
+    } catch (e) {
+      Alert.alert(t('report.exportFail'), String(e));
+    }
+  };
+
+  // AI / 纯文本月度总结
+  const handleMonthlySummary = async () => {
+    const stats = calculateMonthlyStats(transactions, viewYear, viewMonth);
+    if (aiEnabled && aiApiKey && aiBaseUrl) {
+      try {
+        const provider = new (class extends BaseOpenAIProvider {})({
+          id: 'report-summary',
+          name: 'Report Summary',
+          apiKey: aiApiKey,
+          baseUrl: aiBaseUrl,
+          model: aiModel || 'glm-4-flash',
+        });
+        const result = await generateMonthlySummary(transactions, viewYear, viewMonth, provider);
+        setSummaryText(result.summary || generatePlainTextSummary(stats));
+      } catch {
+        setSummaryText(generatePlainTextSummary(stats));
+      }
+    } else {
+      setSummaryText(generatePlainTextSummary(stats));
+    }
+    setSummaryModal(true);
+  };
+
+  const monthLabel = `${viewYear}-${String(viewMonth).padStart(2, '0')}`;
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Text style={[theme.typography.h1, { color: theme.colors.fgPrimary }]}>{t('tab.report')}</Text>
+        <View style={styles.headerActions}>
+          <Pressable onPress={handleMonthlySummary} style={({ pressed }) => [styles.iconBtn, { opacity: pressed ? 0.6 : 1 }]}>
+            <Ionicons name="sparkles-outline" size={22} color={theme.colors.accent} />
+          </Pressable>
+          <Pressable onPress={handleExportImage} style={({ pressed }) => [styles.iconBtn, { opacity: pressed ? 0.6 : 1 }]}>
+            <Ionicons name="share-outline" size={22} color={theme.colors.accent} />
+          </Pressable>
+        </View>
+      </View>
+
+      {/* Tab 选择切换栏 */}
+      <View style={[styles.tabContainer, { borderBottomColor: theme.colors.divider }]}>
+        {([
+          { key: 'weekly', label: t('report.tabWeekly') },
+          { key: 'monthly', label: t('report.tabMonthly') },
+          { key: 'annual', label: t('report.tabAnnual') }
+        ] as const).map(tab => (
+          <Pressable
+            key={tab.key}
+            onPress={() => {
+              setActiveTab(tab.key);
+              setSelectedReportDate(null);
+            }}
+            style={[
+              styles.tabBtn,
+              activeTab === tab.key && { borderBottomColor: theme.colors.accent }
+            ]}
+          >
+            <Text
+              style={[
+                theme.typography.body,
+                {
+                  color: activeTab === tab.key ? theme.colors.accent : theme.colors.fgSecondary,
+                  fontWeight: activeTab === tab.key ? '700' : '400',
+                  paddingVertical: 10
+                }
+              ]}
+            >
+              {tab.label}
+            </Text>
+          </Pressable>
+        ))}
+      </View>
+
+      {/* 日期选择切换器 */}
+      {activeTab === 'weekly' && (
+        <View style={styles.monthSwitcher}>
+          <Pressable onPress={() => changeWeek(-7)} style={({ pressed }) => [styles.monthBtn, { borderColor: theme.colors.border, opacity: pressed ? 0.6 : 1 }]}>
+            <Ionicons name="chevron-back" size={18} color={theme.colors.fgPrimary} />
+          </Pressable>
+          <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary }]}>
+            {weeklyRange.label}
+          </Text>
+          <Pressable onPress={() => changeWeek(7)} style={({ pressed }) => [styles.monthBtn, { borderColor: theme.colors.border, opacity: pressed ? 0.6 : 1 }]}>
+            <Ionicons name="chevron-forward" size={18} color={theme.colors.fgPrimary} />
+          </Pressable>
+        </View>
+      )}
+
+      {activeTab === 'monthly' && (
+        <View style={styles.monthSwitcher}>
+          <Pressable onPress={prevMonth} style={({ pressed }) => [styles.monthBtn, { borderColor: theme.colors.border, opacity: pressed ? 0.6 : 1 }]}>
+            <Ionicons name="chevron-back" size={18} color={theme.colors.fgPrimary} />
+          </Pressable>
+          <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary }]}>
+            {monthLabel}
+          </Text>
+          <Pressable onPress={nextMonth} style={({ pressed }) => [styles.monthBtn, { borderColor: theme.colors.border, opacity: pressed ? 0.6 : 1 }]}>
+            <Ionicons name="chevron-forward" size={18} color={theme.colors.fgPrimary} />
+          </Pressable>
+        </View>
+      )}
+
+      {activeTab === 'annual' && (
+        <View style={styles.monthSwitcher}>
+          <Pressable onPress={() => setViewYear(y => y - 1)} style={({ pressed }) => [styles.monthBtn, { borderColor: theme.colors.border, opacity: pressed ? 0.6 : 1 }]}>
+            <Ionicons name="chevron-back" size={18} color={theme.colors.fgPrimary} />
+          </Pressable>
+          <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary }]}>
+            {viewYear}年
+          </Text>
+          <Pressable onPress={() => setViewYear(y => y + 1)} style={({ pressed }) => [styles.monthBtn, { borderColor: theme.colors.border, opacity: pressed ? 0.6 : 1 }]}>
+            <Ionicons name="chevron-forward" size={18} color={theme.colors.fgPrimary} />
+          </Pressable>
+        </View>
+      )}
+
+      <ScrollView
+        ref={scrollRef}
+        contentContainerStyle={[styles.content, { gap: theme.spacing.md }]}
+      >
+        {/* 数据空值判断 */}
+        {((activeTab === 'weekly' && weeklyTxs.length === 0) ||
+          (activeTab === 'monthly' && monthlyTxs.length === 0) ||
+          (activeTab === 'annual' && annualTxs.length === 0)) ? (
+          <Card title={t('report.title')}>
+            <Text style={[theme.typography.body, { color: theme.colors.fgSecondary }]}>
+              {t('report.empty')}
+            </Text>
+          </Card>
+        ) : (
+          <>
+            {/* 周报表看板 */}
+            {activeTab === 'weekly' && (
+              <>
+                <Card title={t('report.weeklyTitle')}>
+                  <View style={styles.statsRow}>
+                    <View style={styles.statItem}>
+                      <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('report.weeklyIncome')}</Text>
+                      <Text style={[theme.typography.h3, { color: theme.colors.financial.income, fontFamily: 'monospace', fontWeight: '700' }]}>{fmtAmount(weeklyStats.income)}</Text>
+                    </View>
+                    <View style={styles.statItem}>
+                      <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('report.weeklyExpense')}</Text>
+                      <Text style={[theme.typography.h3, { color: theme.colors.financial.expense, fontFamily: 'monospace', fontWeight: '700' }]}>-{fmtAmount(weeklyStats.expense)}</Text>
+                    </View>
+                    <View style={styles.statItem}>
+                      <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('report.weeklyNet')}</Text>
+                      <Text style={[theme.typography.h3, { color: theme.colors.accent, fontFamily: 'monospace', fontWeight: '700' }]}>{fmtAmount(weeklyStats.net)}</Text>
+                    </View>
+                  </View>
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 8 }]}>
+                    {t('report.weeklyStats', { count: weeklyStats.count })}
+                  </Text>
+                </Card>
+
+                <CategoryPie transactions={weeklyTxs} />
+              </>
+            )}
+
+            {/* 月度报表看板 */}
+            {activeTab === 'monthly' && (
+              <>
+                <Card title={`${monthLabel} 收支报告`}>
+                  <View style={styles.statsRow}>
+                    <View style={styles.statItem}>
+                      <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('report.monthlyIncome')}</Text>
+                      <Text style={[theme.typography.h3, { color: theme.colors.financial.income, fontFamily: 'monospace', fontWeight: '700' }]}>{fmtAmount(monthlyStats.income)}</Text>
+                    </View>
+                    <View style={styles.statItem}>
+                      <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('report.monthlyExpense')}</Text>
+                      <Text style={[theme.typography.h3, { color: theme.colors.financial.expense, fontFamily: 'monospace', fontWeight: '700' }]}>-{fmtAmount(monthlyStats.expense)}</Text>
+                    </View>
+                    <View style={styles.statItem}>
+                      <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('report.monthlyNet')}</Text>
+                      <Text style={[theme.typography.h3, { color: theme.colors.accent, fontFamily: 'monospace', fontWeight: '700' }]}>{fmtAmount(monthlyStats.net)}</Text>
+                    </View>
+                  </View>
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 8 }]}>
+                    {t('report.monthlyStats', { count: monthlyStats.count })}
+                  </Text>
+                </Card>
+
+                <CategoryPie transactions={monthlyTxs} />
+
+                <CalendarView
+                  transactions={transactions}
+                  year={viewYear}
+                  month={viewMonth}
+                  onDayPress={setSelectedReportDate}
+                />
+
+                {selectedReportDate && selectedReportDate.startsWith(monthLabel) && (
+                  <Card title={`${selectedReportDate} 交易明细 (${selectedDayTxs.length})`}>
+                    {selectedDayTxs.map(t => (
+                      <TransactionCard
+                        key={t.id}
+                        transaction={t}
+                        onPress={() => router.push(`/transaction/${t.id}`)}
+                      />
+                    ))}
+                    {selectedDayTxs.length === 0 && (
+                      <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginVertical: 8 }]}>
+                        {t('calendar.noDayTx')}
+                      </Text>
+                    )}
+                  </Card>
+                )}
+
+                <NetWorthChart transactions={transactions} dates={netWorthDates} />
+              </>
+            )}
+
+            {/* 年度报表看板 */}
+            {activeTab === 'annual' && (
+              <AnnualReport transactions={transactions} year={viewYear} />
+            )}
+          </>
+        )}
+      </ScrollView>
+
+      {/* AI 总结弹窗 */}
+      <Modal visible={summaryModal} animationType="slide" transparent onRequestClose={() => setSummaryModal(false)}>
+        <View style={commonStyles.modalOverlay}>
+          <View style={commonStyles.modalCard}>
+            <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary, marginBottom: 12 }]}>
+              {monthLabel} {t('report.aiSummary')}
+            </Text>
+            <ScrollView style={{ maxHeight: 400 }}>
+              <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, lineHeight: 22 }]}>
+                {summaryText}
+              </Text>
+            </ScrollView>
+            <View style={{ marginTop: 16 }}>
+              <Button label={t('common.confirm')} onPress={() => setSummaryModal(false)} />
+            </View>
+          </View>
+        </View>
+      </Modal>
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', justifyContent: 'space-between', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 8 },
+  headerActions: { flexDirection: 'row', gap: 16 },
+  iconBtn: { padding: 4 },
+  monthSwitcher: { flexDirection: 'row', alignItems: 'center', justifyContent: 'center', gap: 20, paddingBottom: 12 },
+  monthBtn: { width: 32, height: 32, borderRadius: 16, borderWidth: StyleSheet.hairlineWidth, alignItems: 'center', justifyContent: 'center' },
+  content: { padding: 16, paddingBottom: 96 },
+  tabContainer: { flexDirection: 'row', justifyContent: 'space-around', borderBottomWidth: StyleSheet.hairlineWidth, paddingHorizontal: 16, marginBottom: 8 },
+  tabBtn: { flex: 1, alignItems: 'center', borderBottomWidth: 2, borderBottomColor: 'transparent' },
+  statsRow: { flexDirection: 'row', justifyContent: 'space-around', marginVertical: 8, width: '100%' },
+  statItem: { alignItems: 'center', gap: 4 },
+});
--- a/src/app/(tabs)/settings.tsx
+++ b/src/app/(tabs)/settings.tsx
@ -0,0 +1,94 @@
+import React from 'react';
+import { Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter, type Href } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { Card } from '../../components/Card';
+
+export default function SettingsScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  const renderNavLink = (icon: keyof typeof Ionicons.glyphMap, label: string, path: Href) => (
+    <Pressable
+      onPress={() => router.push(path)}
+      accessibilityRole="link"
+      accessibilityLabel={label}
+      style={({ pressed }) => [
+        styles.navRow,
+        {
+          borderBottomColor: theme.colors.divider,
+          opacity: pressed ? 0.6 : 1,
+        },
+      ]}
+    >
+      <Ionicons name={icon} size={20} color={theme.colors.accent} />
+      <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 12, fontFamily: theme.typography.body.fontFamily }]}>
+        {label}
+      </Text>
+      <Ionicons name="chevron-forward" size={18} color={theme.colors.fgSecondary} />
+    </Pressable>
+  );
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Text style={[theme.typography.h1, { color: theme.colors.fgPrimary }]}>{t('settings.title')}</Text>
+      </View>
+
+      <ScrollView contentContainerStyle={[styles.content, { gap: theme.spacing.md }]}>
+        {/* 数据与基础配置跳转 */}
+        <Card title={t('settings.dataManagement')}>
+          <View style={styles.listGroup}>
+            {renderNavLink('git-branch-outline', t('tab.rules'), '/rules')}
+            {renderNavLink('wallet-outline', t('account.title'), '/account')}
+            {renderNavLink('list', t('settings.categories'), '/category')}
+            {renderNavLink('pricetags', t('settings.tags'), '/tag')}
+            {renderNavLink('pie-chart', t('settings.budgets'), '/budget')}
+            {renderNavLink('repeat-outline', t('settings.recurringTitle'), '/recurring')}
+            {renderNavLink('card-outline', t('settings.creditCards'), '/credit-card' as Href)}
+            {renderNavLink('text-outline', t('remark.title'), '/remark-template' as Href)}
+          </View>
+        </Card>
+
+        {/* 系统及高级配置跳转 */}
+        <Card title={t('settings.systemFeaturesTitle')}>
+          <View style={styles.listGroup}>
+            {renderNavLink('cog-outline', t('settings.aiSettingsTitle'), '/settings/ai')}
+            {renderNavLink('chatbubble-ellipses-outline', t('ai.chatTitle'), '/ai/chat' as Href)}
+            {renderNavLink('cloud-upload-outline', t('settings.syncSettingsTitle'), '/settings/sync')}
+            {renderNavLink('phone-portrait-outline', t('settings.preferencesTitle'), '/settings/preferences')}
+            {renderNavLink('flash-outline', t('automation.title'), '/automation' as Href)}
+          </View>
+        </Card>
+
+        {/* 关于 */}
+        <Card title={t('settings.aboutTitle')}>
+          <View style={styles.aboutRow}>
+            <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, fontWeight: '700' }]}>
+              {t('app.name')}
+            </Text>
+            <Text style={[theme.typography.bodySmall, { color: theme.colors.fgSecondary }]}>
+              {t('settings.aboutVersion')}
+            </Text>
+          </View>
+          <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 8, lineHeight: 18 }]}>
+            {t('app.tagline')}
+          </Text>
+        </Card>
+      </ScrollView>
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, paddingBottom: 64 },
+  listGroup: { borderRadius: 6, overflow: 'hidden' },
+  navRow: { flexDirection: 'row', alignItems: 'center', paddingVertical: 12, borderBottomWidth: 1 },
+  aboutRow: { flexDirection: 'row', justifyContent: 'space-between', alignItems: 'center' },
+});
--- a/src/app/(tabs)/transactions.tsx
+++ b/src/app/(tabs)/transactions.tsx
@ -0,0 +1,237 @@
+/**
+ * 交易列表页（plan.md「1.4 交易搜索页面」）。
+ *
+ * 功能:
+ * - SearchBar 关键字搜索(narration/payee)
+ * - 方向筛选(全部/支出/收入/转账)
+ * - useSearch 多维筛选
+ * - TransactionCard 渲染 + 点击跳详情
+ * - 底部折叠的解析诊断
+ */
+import React, { useMemo, useState } from 'react';
+import { FlatList, Pressable, StyleSheet, Text, TextInput, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { useLedgerStore } from '../../store/ledgerStore';
+import { useTheme, createCommonStyles } from '../../theme';
+import { useT } from '../../i18n';
+import { Card } from '../../components/Card';
+import { SearchBar } from '../../components/SearchBar';
+import { TransactionCard } from '../../components/TransactionCard';
+import { Ionicons } from '@expo/vector-icons';
+import { useSearch, type SearchFilters } from '../../hooks/useSearch';
+
+type DirectionFilter = 'all' | 'expense' | 'income' | 'transfer';
+
+export default function TransactionsScreen() {
+  const { theme } = useTheme();
+  const commonStyles = createCommonStyles(theme);
+  const t = useT();
+  const router = useRouter();
+  const ledger = useLedgerStore(s => s.ledger);
+
+  const [keyword, setKeyword] = useState('');
+  const [direction, setDirection] = useState<DirectionFilter>('all');
+  const [showDiagnostics, setShowDiagnostics] = useState(false);
+  const [showAdvancedFilters, setShowAdvancedFilters] = useState(false);
+  const [accountFilter, setAccountFilter] = useState('');
+  const [dateFrom, setDateFrom] = useState('');
+  const [dateTo, setDateTo] = useState('');
+
+  const allTransactions = useMemo(() => {
+    if (!ledger?.transactions) return [];
+    return ledger.transactions
+      .map((tx, idx) => ({ tx, idx }))
+      .sort((a, b) => {
+        const dateCompare = b.tx.date.localeCompare(a.tx.date);
+        if (dateCompare !== 0) return dateCompare;
+        return b.idx - a.idx;
+      })
+      .map(item => item.tx);
+  }, [ledger]);
+  const allAccounts = useMemo(() => {
+    const accts = new Set<string>();
+    for (const tx of allTransactions) {
+      for (const p of tx.postings) accts.add(p.account);
+    }
+    return Array.from(accts).sort();
+  }, [allTransactions]);
+
+  const filters: SearchFilters = useMemo(() => ({
+    keyword: keyword || undefined,
+    direction: direction === 'all' ? undefined : direction,
+    account: accountFilter || undefined,
+    dateFrom: dateFrom || undefined,
+    dateTo: dateTo || undefined,
+  }), [keyword, direction, accountFilter, dateFrom, dateTo]);
+
+  const filtered = useSearch(allTransactions, filters);
+
+  const directionTabs: { key: DirectionFilter; label: string }[] = [
+    { key: 'all', label: t('transactions.filterAll') },
+    { key: 'expense', label: t('transactions.filterExpense') },
+    { key: 'income', label: t('transactions.filterIncome') },
+    { key: 'transfer', label: t('transactions.filterTransfer') },
+  ];
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Text style={[theme.typography.h1, { color: theme.colors.fgPrimary }]}>{t('tab.transactions')}</Text>
+      </View>
+
+      <SearchBar
+        value={keyword}
+        onChangeText={setKeyword}
+        placeholder={t('transactions.searchPlaceholder')}
+      />
+
+      {/* 方向筛选 */}
+      <View style={styles.filterRow}>
+        {directionTabs.map(tab => (
+          <Pressable
+            key={tab.key}
+            onPress={() => setDirection(tab.key)}
+            style={[
+              commonStyles.chip,
+              direction === tab.key && commonStyles.chipActive,
+            ]}
+          >
+            <Text style={[
+              commonStyles.chipText,
+              direction === tab.key && commonStyles.chipTextActive,
+            ]}>
+              {tab.label}
+            </Text>
+          </Pressable>
+        ))}
+      </View>
+
+      {/* 高级筛选切换 */}
+      <View style={[styles.filterRow, { paddingBottom: 0 }]}>
+        <Pressable
+          onPress={() => setShowAdvancedFilters(!showAdvancedFilters)}
+          style={({ pressed }) => [
+            commonStyles.chip,
+            showAdvancedFilters && commonStyles.chipActive,
+            { opacity: pressed ? 0.8 : 1 },
+          ]}
+        >
+          <Text style={[
+            commonStyles.chipText,
+            showAdvancedFilters && commonStyles.chipTextActive,
+            { fontSize: 12 },
+          ]}>
+            {t('transactions.advancedFilter')}
+          </Text>
+        </Pressable>
+      </View>
+
+      {/* 高级筛选面板 */}
+      {showAdvancedFilters && (
+        <View style={{ paddingHorizontal: 16, paddingBottom: 8, gap: 6 }}>
+          {/* 账户筛选 */}
+          <TextInput
+            value={accountFilter}
+            onChangeText={setAccountFilter}
+            placeholder={t('transactions.accountFilterPlaceholder')}
+            placeholderTextColor={theme.colors.fgSecondary}
+            style={commonStyles.input}
+          />
+          {/* 日期范围 */}
+          <View style={{ flexDirection: 'row', gap: 8 }}>
+            <TextInput
+              value={dateFrom}
+              onChangeText={setDateFrom}
+              placeholder={t('transactions.dateFrom')}
+              placeholderTextColor={theme.colors.fgSecondary}
+              style={[commonStyles.input, { flex: 1 }]}
+            />
+            <TextInput
+              value={dateTo}
+              onChangeText={setDateTo}
+              placeholder={t('transactions.dateTo')}
+              placeholderTextColor={theme.colors.fgSecondary}
+              style={[commonStyles.input, { flex: 1 }]}
+            />
+          </View>
+        </View>
+      )}
+
+      <FlatList
+        data={filtered}
+        keyExtractor={(item) => item.id}
+        renderItem={({ item: tx }) => (
+          <TransactionCard
+            transaction={tx}
+            onPress={() => router.push(`/transaction/${tx.id}`)}
+          />
+        )}
+        ListHeaderComponent={
+          <View>
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, paddingHorizontal: 16, paddingBottom: 8 }]}>
+              {filtered.length === allTransactions.length
+                ? t('transactions.countTotal', { count: filtered.length })
+                : t('transactions.countFiltered', { shown: filtered.length, total: allTransactions.length })}
+            </Text>
+          </View>
+        }
+        ListEmptyComponent={
+          <Card title={t('transactions.noMatchTitle')}>
+            <Text style={[theme.typography.body, { color: theme.colors.fgSecondary }]}>
+              {allTransactions.length === 0
+                ? t('transactions.noMatchEmpty')
+                : t('transactions.noMatchFiltered')}
+            </Text>
+          </Card>
+        }
+        ListFooterComponent={
+          <View>
+            {/* 诊断(折叠) */}
+            <Pressable
+              onPress={() => setShowDiagnostics(!showDiagnostics)}
+              style={[styles.diagToggle, { flexDirection: 'row', alignItems: 'center', gap: 4 }]}
+            >
+              <Ionicons
+                name={showDiagnostics ? 'chevron-down-outline' : 'chevron-forward-outline'}
+                size={14}
+                color={theme.colors.fgSecondary}
+              />
+              <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, fontFamily: theme.typography.caption.fontFamily }]}>
+                {t('diagnostics.title')}
+              </Text>
+            </Pressable>
+            {showDiagnostics && (
+              <Card title={t('diagnostics.title')}>
+                <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>
+                  {t('diagnostics.syntaxErrors', { count: ledger?.diagnostics.length ?? 0 })}
+                </Text>
+                <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>
+                  {t('diagnostics.unsupported', { count: ledger?.unsupported.length ?? 0 })}
+                </Text>
+                <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>
+                  {t('diagnostics.balanceAssertions', { count: ledger?.balances.length ?? 0 })}
+                </Text>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                  {t('diagnostics.hint')}
+                </Text>
+              </Card>
+            )}
+          </View>
+        }
+        contentContainerStyle={styles.content}
+        initialNumToRender={10}
+        maxToRenderPerBatch={10}
+        windowSize={5}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { paddingHorizontal: 16, paddingTop: 8, paddingBottom: 8 },
+  filterRow: { flexDirection: 'row', gap: 6, paddingHorizontal: 16, paddingBottom: 8 },
+  content: { padding: 16, paddingTop: 8 },
+  diagToggle: { paddingVertical: 12, alignItems: 'center' },
+});
--- a/src/app/_error.tsx
+++ b/src/app/_error.tsx
@ -0,0 +1,120 @@
+import React from 'react';
+import { Pressable, ScrollView, StyleSheet, Text, View, Share, Alert } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../theme';
+import { useT } from '../i18n';
+import { buildErrorRecoveryData, crashReporter } from '../services/crash';
+import * as FileSystem from 'expo-file-system/legacy';
+
+interface ErrorBoundaryProps {
+  error: Error;
+  resetError: () => void;
+}
+
+export function ErrorScreen({ error, resetError }: ErrorBoundaryProps) {
+  const { theme } = useTheme();
+  const t = useT();
+  const data = buildErrorRecoveryData(error);
+
+  const clearCacheAndRestart = async () => {
+    try {
+      const settingsFile = FileSystem.documentDirectory + 'settings.json';
+      const metadataFile = FileSystem.documentDirectory + 'metadata.json';
+      const settingsInfo = await FileSystem.getInfoAsync(settingsFile);
+      if (settingsInfo.exists) await FileSystem.deleteAsync(settingsFile);
+      const metadataInfo = await FileSystem.getInfoAsync(metadataFile);
+      if (metadataInfo.exists) await FileSystem.deleteAsync(metadataFile);
+    } catch {
+      // 忽略删除错误
+    }
+    resetError();
+  };
+
+  const exportLogs = async () => {
+    try {
+      const logs = crashReporter.exportAsText();
+      if (!logs) {
+        Alert.alert(
+          t('error.noLogs') || '提示', 
+          t('error.noLogsMsg') || '暂无崩溃日志记录'
+        );
+        return;
+      }
+      await Share.share({
+        message: logs,
+        title: 'Bean Mobile Crash Logs',
+      });
+    } catch (e) {
+      Alert.alert(
+        t('error.exportFail') || '导出失败', 
+        e instanceof Error ? e.message : String(e)
+      );
+    }
+  };
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]}>
+      <ScrollView contentContainerStyle={styles.content}>
+        <View style={[styles.iconWrap, { backgroundColor: theme.colors.bgTertiary }]}>
+          <Ionicons name="warning" size={64} color={theme.colors.error} />
+        </View>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, marginTop: 16, textAlign: 'center' }]}>
+          {data.title}
+        </Text>
+        <Text style={[theme.typography.body, { color: theme.colors.fgSecondary, marginTop: 8, textAlign: 'center' }]}>
+          {data.message}
+        </Text>
+        {data.stack && (
+          <View style={[styles.stackBox, { backgroundColor: theme.colors.bgTertiary, borderColor: theme.colors.border }]}>
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, fontFamily: 'monospace' }]} numberOfLines={10}>
+              {data.stack}
+            </Text>
+          </View>
+        )}
+        <View style={styles.actions}>
+          <Pressable
+            onPress={resetError}
+            style={({ pressed }) => [styles.btn, { backgroundColor: theme.colors.accent, opacity: pressed ? 0.7 : 1 }]}
+          >
+            <Text style={{ color: theme.colors.fgInverse, fontWeight: '700' }}>
+              {t('error.retry') || '重试'}
+            </Text>
+          </Pressable>
+          <Pressable
+            onPress={clearCacheAndRestart}
+            style={({ pressed }) => [styles.btn, { backgroundColor: theme.colors.bgTertiary, borderColor: theme.colors.border, borderWidth: 1, opacity: pressed ? 0.7 : 1 }]}
+          >
+            <Text style={{ color: theme.colors.fgPrimary }}>
+              {t('error.clearCache') || '清除缓存并重启'}
+            </Text>
+          </Pressable>
+          <Pressable
+            onPress={exportLogs}
+            style={({ pressed }) => [styles.btn, { backgroundColor: theme.colors.bgTertiary, borderColor: theme.colors.border, borderWidth: 1, opacity: pressed ? 0.7 : 1 }]}
+          >
+            <Text style={{ color: theme.colors.fgPrimary }}>
+              {t('error.exportLogs') || '导出日志'}
+            </Text>
+          </Pressable>
+        </View>
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 24, textAlign: 'center' }]}>
+          {t('error.subTitle') || '如果问题持续出现，请导出日志并提交至 GitHub'}
+        </Text>
+      </ScrollView>
+    </SafeAreaView>
+  );
+}
+
+export default function ErrorBoundary({ error, resetError }: ErrorBoundaryProps) {
+  return <ErrorScreen error={error} resetError={resetError} />;
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  content: { flex: 1, alignItems: 'center', justifyContent: 'center', padding: 24 },
+  iconWrap: { width: 100, height: 100, borderRadius: 50, alignItems: 'center', justifyContent: 'center' },
+  stackBox: { width: '100%', marginTop: 16, padding: 12, borderRadius: 8, borderWidth: 1, maxHeight: 200 },
+  actions: { marginTop: 24, gap: 10, width: '100%' },
+  btn: { width: '100%', paddingVertical: 14, borderRadius: 12, alignItems: 'center' },
+});
--- a/src/app/_layout.tsx
+++ b/src/app/_layout.tsx
@ -0,0 +1,425 @@
+import React, { useCallback, useEffect, useRef, useState } from 'react';
+import { StatusBar } from 'expo-status-bar';
+import { Stack } from 'expo-router';
+import { AppState, DeviceEventEmitter, Platform, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { ThemeProvider, useTheme } from '../theme';
+import { useLedgerStore } from '../store/ledgerStore';
+import { useImportStore } from '../store/importStore';
+import { useSettingsStore } from '../store/settingsStore';
+import { useMetadataStore } from '../store/metadataStore';
+import { useAutomationStore } from '../store/automationStore';
+import { FileSystemBackend } from '../services/fileSystemBackend';
+import { useT } from '../i18n';
+import { LockScreen } from '../components/LockScreen';
+import { OnboardingScreen } from './_onboarding';
+import { setupDeepLinking } from '../services/deepLink';
+import { initPersistence } from '../store/storePersistence';
+import * as FileSystem from 'expo-file-system/legacy';
+import { useRouter } from 'expo-router';
+import { parseNotification } from '../services/notification';
+import { parseSms } from '../services/sms';
+import { processScreenshotEvent, handleIncomingBillEvent, parseAndProcessAccessibilityTexts } from '../services/automationPipeline';
+import { getAccessibilityBridge } from '../services/accessibilityBridge';
+import { logger } from '../utils/logger';
+import {
+  useFonts,
+  Quicksand_400Regular,
+  Quicksand_500Medium,
+  Quicksand_600SemiBold,
+  Quicksand_700Bold,
+} from '@expo-google-fonts/quicksand';
+import {
+  Caveat_400Regular,
+  Caveat_500Medium,
+  Caveat_600SemiBold,
+  Caveat_700Bold,
+} from '@expo-google-fonts/caveat';
+
+let lastSignature = '';
+let lastProcessedTime = 0;
+
+/** 示例账本（后续由文件选择器导入，当前 demo 用内置）。 */
+const SAMPLE_LEDGER = {
+  path: 'main.bean',
+  content: `option "operating_currency" "CNY"
+include "mobile.bean"
+`,
+};
+
+/** 内层布局：引导/锁屏/路由三态切换。 */
+function AppShell() {
+  const { theme, isDark } = useTheme();
+  const t = useT();
+  const router = useRouter();
+  
+  const [fontsLoaded, fontError] = useFonts({
+    Quicksand_400Regular,
+    Quicksand_500Medium,
+    Quicksand_600SemiBold,
+    Quicksand_700Bold,
+    Caveat_400Regular,
+    Caveat_500Medium,
+    Caveat_600SemiBold,
+    Caveat_700Bold,
+  });
+  const loadLedger = useLedgerStore(s => s.loadLedger);
+  const setContext = useImportStore(s => s.setContext);
+  const appLockEnabled = useSettingsStore(s => s.appLockEnabled);
+  const onboardingCompleted = useSettingsStore(s => s.onboardingCompleted);
+  const setOnboardingCompleted = useSettingsStore(s => s.setOnboardingCompleted);
+  const [phase, setPhase] = useState<'loading' | 'onboarding' | 'locked' | 'ready'>('loading');
+  const [privacyOverlay, setPrivacyOverlay] = useState(false);
+
+  const lastMainFileRef = useRef<{ modificationTime?: number; size?: number } | null>(null);
+
+  const checkAndReloadLedger = useCallback(async () => {
+    const mainPath = FileSystem.documentDirectory + 'main.bean';
+    try {
+      const info = await FileSystem.getInfoAsync(mainPath);
+      if (!info.exists) return;
+
+      const currentMtime = info.modificationTime;
+      const currentSize = info.size;
+
+      // 如果是第一次加载，或者文件时间/大小发生了改变，则重新读取并加载
+      if (
+        !lastMainFileRef.current ||
+        lastMainFileRef.current.modificationTime !== currentMtime ||
+        lastMainFileRef.current.size !== currentSize
+      ) {
+        logger.info('layout', `检测到 main.bean 发生外部文件修改，正在重新加载... (mtime: ${currentMtime}, size: ${currentSize})`);
+        const content = await FileSystem.readAsStringAsync(mainPath);
+        const rules = useMetadataStore.getState().rules;
+        const categories = useMetadataStore.getState().categories;
+        
+        await loadLedger([{ path: 'main.bean', content }], new FileSystemBackend());
+        setContext({ rules, categories });
+        
+        lastMainFileRef.current = { modificationTime: currentMtime, size: currentSize };
+        logger.info('layout', 'main.bean 重新解析并加载成功');
+      }
+    } catch (e) {
+      logger.error('layout', 'checkAndReloadLedger 失败', e);
+    }
+  }, [loadLedger, setContext]);
+
+  useEffect(() => {
+    // 1. 初始化持久化并还原数据
+    initPersistence().then(async () => {
+      const mainPath = FileSystem.documentDirectory + 'main.bean';
+      const mobilePath = FileSystem.documentDirectory + 'mobile.bean';
+
+      try {
+        // 一次性合并迁移：将旧的 mobile.bean 内容追加到 main.bean 并物理删除它
+        const mobileInfo = await FileSystem.getInfoAsync(mobilePath);
+        if (mobileInfo.exists) {
+          const mobileContent = await FileSystem.readAsStringAsync(mobilePath);
+          if (mobileContent.trim()) {
+            const mainInfo = await FileSystem.getInfoAsync(mainPath);
+            let mainContent = '';
+            if (mainInfo.exists) {
+              mainContent = await FileSystem.readAsStringAsync(mainPath);
+            }
+            const mergedContent = `${mainContent.trimEnd()}\n\n${mobileContent.trim()}\n`.trim();
+            await FileSystem.writeAsStringAsync(mainPath, mergedContent);
+            logger.info('layout', '已成功将旧 mobile.bean 交易追加合并至 main.bean');
+          }
+          await FileSystem.deleteAsync(mobilePath, { idempotent: true });
+        }
+      } catch (e) {
+        logger.error('layout', '合并旧 mobile.bean 数据失败', e);
+      }
+
+      // 2. 检查并读取本地真实主账本
+      FileSystem.getInfoAsync(mainPath).then(async (info) => {
+        let content = SAMPLE_LEDGER.content;
+        if (info.exists) {
+          content = await FileSystem.readAsStringAsync(mainPath);
+          lastMainFileRef.current = { modificationTime: info.modificationTime, size: info.size };
+        }
+
+        const rules = useMetadataStore.getState().rules;
+        const categories = useMetadataStore.getState().categories;
+
+        loadLedger([{ path: 'main.bean', content }], new FileSystemBackend()).then(() => {
+          setContext({ rules, categories });
+          
+          const completed = useSettingsStore.getState().onboardingCompleted;
+          const locked = useSettingsStore.getState().appLockEnabled;
+          if (!completed) {
+            setPhase('onboarding');
+          } else if (locked) {
+            setPhase('locked');
+          } else {
+            setPhase('ready');
+          }
+        }).catch((e) => {
+          // 加载失败时仍进入引导流程（而非跳过），让用户有机会重新导入账本
+          console.warn('[layout] Ledger load failed:', e);
+          setPhase('onboarding');
+        });
+      });
+    });
+  }, [loadLedger, setContext]);
+
+  // 3. 注册深度链接监听（plan.md「1.5」），注入真实的 router 导航行为
+  useEffect(() => {
+    if (phase === 'ready') {
+      const cleanup = setupDeepLinking((action) => {
+        if (action.type === 'add-transaction') {
+          router.push('/transaction/new');
+        } else if (action.type === 'open-tab') {
+          if (action.tab === 'home') router.push('/(tabs)');
+          else if (action.tab === 'transactions') router.push('/(tabs)/transactions');
+          else if (action.tab === 'import') router.push('/import');
+          else if (action.tab === 'rules') router.push('/rules');
+          else if (action.tab === 'settings') router.push('/(tabs)/settings');
+        } else if (action.type === 'import-csv') {
+          router.push('/import');
+        } else if (action.type === 'ocr-camera' || action.type === 'ocr-image') {
+          router.push({ pathname: '/transaction/new', params: { mode: 'ocr' } });
+        } else if (action.type === 'voice-input') {
+          router.push('/(tabs)/settings');
+        }
+      });
+      return cleanup;
+    }
+  }, [phase, router]);
+
+  // 4. 监听原生自动化事件（通知/短信/截图）→ automationStore
+  // 通知/短信事件是原始文本，需先经 parseNotification/parseSms 解析为 ImportedEvent
+  // 截图事件是原始 base64 图片，需先经 OcrProcessor 识别为 ImportedEvent
+  useEffect(() => {
+    if (phase !== 'ready' || Platform.OS !== 'android') return;
+
+    const subscriptions = [
+      DeviceEventEmitter.addListener('billingNotification', (event) => {
+        try {
+          logger.debug('layout', `收到原生通知, 包名: ${event.packageName}, 标题: ${event.title}, 内容: ${event.text}`);
+          const bill = parseNotification(event);
+          if (bill) {
+            logger.debug('layout', `通知解析成功 [时间: ${bill.occurredAt}, 方向: ${bill.direction === 'income' ? '收入' : '支出'}, 金额: ${bill.amount} ${bill.currency}, 商户: ${bill.counterparty}, 备注: ${bill.memo}] | 原始通知: [${event.title}] ${event.text}`);
+            handleIncomingBillEvent('notification', bill, `[${event.title}] ${event.text}`);
+          } else {
+            logger.debug('layout', `通知未匹配为账单: [${event.title}] ${event.text}`);
+          }
+        } catch (e) {
+          logger.error('layout', '通知解析失败', e);
+        }
+      }),
+      DeviceEventEmitter.addListener('billingSms', (event) => {
+        try {
+          logger.debug('layout', `收到原生短信, 发送者: ${event.address || event.sender || '未知'}, 内容: ${event.body}`);
+          const smsEvent = {
+            sender: event.sender || event.address || '',
+            body: event.body,
+            timestamp: event.timestamp || Date.now(),
+          };
+          const bill = parseSms(smsEvent);
+          if (bill) {
+            logger.debug('layout', `短信解析成功 [时间: ${bill.occurredAt}, 方向: ${bill.direction === 'income' ? '收入' : '支出'}, 金额: ${bill.amount} ${bill.currency}, 商户: ${bill.counterparty}, 备注: ${bill.memo}] | 原始短信: ${event.body}`);
+            handleIncomingBillEvent('sms', bill, event.body);
+          } else {
+            logger.debug('layout', `短信未匹配为账单: ${event.body}`);
+          }
+        } catch (e) {
+          logger.error('layout', '短信解析失败', e);
+        }
+      }),
+      DeviceEventEmitter.addListener('billingScreenshot', (event) => {
+        logger.debug('layout', `收到原生截图/无障碍截图, 包名: ${event.packageName}`);
+        processScreenshotEvent(event).catch((e: unknown) => {
+          logger.error('layout', '截图 OCR 处理失败', e);
+        });
+      }),
+      DeviceEventEmitter.addListener('billingOpenApp', (res) => {
+        try {
+          logger.info('layout', `收到原生悬浮窗跳转 App 请求: ${JSON.stringify(res)}`);
+          if (res.draftId) {
+            try {
+              const { pendingDrafts } = require('../services/automationPipeline');
+              pendingDrafts.delete(res.draftId);
+            } catch (err) {
+              // 忽略
+            }
+          }
+          const amt = res.amount || '0';
+          const currency = 'CNY';
+          let postings: any[] = [];
+          if (res.direction === 'expense') {
+            postings = [
+              { account: res.account, amount: `-${amt}`, currency },
+              { account: res.category, amount: amt, currency }
+            ];
+          } else if (res.direction === 'income') {
+            postings = [
+              { account: res.account, amount: amt, currency },
+              { account: res.category, amount: `-${amt}`, currency }
+            ];
+          } else {
+            postings = [
+              { account: res.account, amount: `-${amt}`, currency },
+              { account: res.category, amount: amt, currency }
+            ];
+          }
+          const draft = {
+            date: res.time ? res.time.split(' ')[0] : new Date().toISOString().split('T')[0],
+            payee: res.merchant || undefined,
+            narration: res.narration || '',
+            postings
+          };
+          router.push({
+            pathname: '/transaction/new',
+            params: { draftJson: JSON.stringify(draft) }
+          });
+        } catch (e) {
+          logger.error('layout', '处理悬浮窗跳转 App 失败', e);
+        }
+      }),
+      DeviceEventEmitter.addListener('billingPageRemembered', (event) => {
+        logger.info('layout', `[无障碍调试] 成功记住页面签名: ${event.signature} (包名: ${event.package}, 类名: ${event.activity})`);
+        logger.info('layout', `[无障碍调试] 记住该页面时捕获的所有文本内容: ${JSON.stringify(event.texts)}`);
+      }),
+      DeviceEventEmitter.addListener('billingDebugNodes', async (event) => {
+        const { package: pkg, activity, texts, isManual } = event;
+        const sigKey = `${pkg}|${activity}`;
+
+        logger.info('layout', `[无障碍监听] 页面特征信号: ${sigKey}`);
+        logger.info('layout', `[无障碍监听] 页面提取到的文本内容: ${JSON.stringify(texts)}`);
+
+        try {
+          const bridge = getAccessibilityBridge();
+          if (!isManual) {
+            if (bridge) {
+              const signatures = await bridge.getPageSignatures();
+              const isWhitelisted = signatures.some(s => s.signature === sigKey);
+              if (!isWhitelisted) {
+                logger.info('layout', `[无障碍监听] 页面 ${sigKey} 未在自动记账白名单中，拒绝弹窗`);
+                return;
+              }
+            }
+
+            // 防抖：3秒内避免对同一页面重复触发记账/截图
+            if (sigKey === lastSignature && Date.now() - lastProcessedTime < 3000) {
+              return;
+            }
+            lastSignature = sigKey;
+            lastProcessedTime = Date.now();
+          }
+
+          if (pkg === 'com.tencent.mm') {
+            // 微信：识别是否是详情页
+            const isDetail = texts.includes('交易单号') || texts.includes('退款单号') || texts.includes('本服务由财付通提供');
+            if (isDetail) {
+              const success = await parseAndProcessAccessibilityTexts(texts, pkg);
+              if (!success) {
+                logger.info('layout', '[无障碍] 微信详情页直接文本解析未成功，降级触发 OCR 识别');
+                bridge?.triggerManualOcr();
+              }
+            } else {
+              logger.info('layout', '[无障碍] 微信非详情页面，不触发记账与截图');
+            }
+          } else if (pkg === 'com.eg.android.AlipayGphone') {
+            // 支付宝：识别是否是详情页
+            const isDetail = texts.includes('创建时间') || texts.includes('账单详情') || texts.includes('对此订单有疑问');
+            if (isDetail) {
+              const success = await parseAndProcessAccessibilityTexts(texts, pkg);
+              if (!success) {
+                logger.info('layout', '[无障碍] 支付宝详情页直接文本解析未成功，降级触发 OCR 识别');
+                bridge?.triggerManualOcr();
+              }
+            } else {
+              logger.info('layout', '[无障碍] 支付宝非详情页面，不触发记账与截图');
+            }
+          } else {
+            // 其他白名单应用（如各大银行、QQ、TIM等），直接通过截图 + OCR 识别
+            logger.info('layout', `[无障碍] 检测到白名单应用 ${pkg}，直接触发 OCR 识别`);
+            bridge?.triggerManualOcr();
+          }
+        } catch (e) {
+          logger.error('layout', '无障碍调试及直接解析执行失败', e);
+        }
+      }),
+    ];
+
+    return () => subscriptions.forEach(s => s.remove());
+  }, [phase]);
+
+  // 5. 隐私模糊（plan.md「0.4 隐私模糊」）：App 进入后台/非活跃时遮盖内容
+  useEffect(() => {
+    const sub = AppState.addEventListener('change', (state) => {
+      // 切到后台/非活跃时立即遮盖，回到前台时移除
+      setPrivacyOverlay(state !== 'active');
+      if (state === 'active' && phase === 'ready') {
+        checkAndReloadLedger();
+      }
+    });
+    return () => sub.remove();
+  }, [phase, checkAndReloadLedger]);
+
+  // loading 状态
+  if (phase === 'loading' || (!fontsLoaded && !fontError)) {
+    return (
+      <SafeAreaView style={{ flex: 1, backgroundColor: theme.colors.bgPrimary, alignItems: 'center', justifyContent: 'center' }}>
+        <Text style={{ color: theme.colors.fgSecondary }}>{t('app.name')}</Text>
+      </SafeAreaView>
+    );
+  }
+
+  // 引导流程
+  if (phase === 'onboarding') {
+    return (
+      <ThemeProvider>
+        <OnboardingScreen onComplete={() => {
+          setOnboardingCompleted(true);
+          setPhase(appLockEnabled ? 'locked' : 'ready');
+        }} />
+      </ThemeProvider>
+    );
+  }
+
+  // 锁屏
+  if (phase === 'locked') {
+    return <LockScreen onUnlock={() => setPhase('ready')} />;
+  }
+
+  // ready：主应用
+  return (
+    <View style={{ flex: 1, backgroundColor: theme.colors.bgPrimary }}>
+      <StatusBar style={isDark ? 'light' : 'dark'} />
+      <Stack screenOptions={{ headerShown: false, contentStyle: { backgroundColor: theme.colors.bgPrimary } }}>
+        <Stack.Screen name="(tabs)" />
+        <Stack.Screen name="transaction/new" options={{ headerShown: true, title: t('home.newTransaction'), headerTintColor: theme.colors.fgPrimary, headerStyle: { backgroundColor: theme.colors.bgPrimary } }} />
+        <Stack.Screen name="transaction/[id]" options={{ headerShown: false }} />
+        <Stack.Screen name="category/index" options={{ headerShown: false }} />
+        <Stack.Screen name="tag/index" options={{ headerShown: false }} />
+        <Stack.Screen name="budget/index" options={{ headerShown: false }} />
+        <Stack.Screen name="account/index" options={{ headerShown: false }} />
+        <Stack.Screen name="import/index" options={{ headerShown: false }} />
+        <Stack.Screen name="rules/index" options={{ headerShown: false }} />
+        <Stack.Screen name="settings/ai" options={{ headerShown: false }} />
+        <Stack.Screen name="settings/sync" options={{ headerShown: false }} />
+        <Stack.Screen name="settings/preferences" options={{ headerShown: false }} />
+        <Stack.Screen name="recurring/index" options={{ headerShown: false }} />
+        <Stack.Screen name="ai/chat" options={{ headerShown: false }} />
+        <Stack.Screen name="remark-template/index" options={{ headerShown: false }} />
+        <Stack.Screen name="automation/index" options={{ headerShown: false }} />
+        <Stack.Screen name="credit-card/index" options={{ headerShown: false }} />
+      </Stack>
+      {/* 隐私遮罩（plan.md「0.4」）：App 切后台时遮盖内容 */}
+      {privacyOverlay && (
+        <View style={{ position: 'absolute', top: 0, left: 0, right: 0, bottom: 0, backgroundColor: theme.colors.bgPrimary }} />
+      )}
+    </View>
+  );
+}
+
+/** 根布局：包裹 ThemeProvider。 */
+export default function RootLayout() {
+  return (
+    <ThemeProvider>
+      <AppShell />
+    </ThemeProvider>
+  );
+}
--- a/src/app/_onboarding.tsx
+++ b/src/app/_onboarding.tsx
@ -0,0 +1,149 @@
+/**
+ * 引导流程 Onboarding（plan.md「0.7 引导流程」）。
+ *
+ * 参考 BeeCount 的 Introduction 流程，新用户首次使用时引导完成基础配置：
+ * 1. 欢迎页 + 应用介绍
+ * 2. 语言选择（中/英）
+ * 3. 主题选择（浅色/深色/跟随系统）
+ * 4. 账本导入说明
+ * 5. 功能启用说明（OCR/通知/短信权限）
+ * 6. 安全设置（应用锁）
+ *
+ * 完成后标记 onboarding 已完成（持久化），后续启动不再显示。
+ */
+
+import React, { useState } from 'react';
+import { Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../theme';
+import { useT } from '../i18n';
+import { useSettingsStore, type Locale, type ThemeMode } from '../store/settingsStore';
+import { Button } from '../components/Button';
+
+export interface OnboardingStep {
+  key: string;
+  title: string;
+  description?: string;
+}
+
+interface OnboardingProps {
+  onComplete: () => void;
+}
+
+export function OnboardingScreen({ onComplete }: OnboardingProps) {
+  const { theme } = useTheme();
+  const t = useT();
+  const setLocale = useSettingsStore(s => s.setLocale);
+  const setThemeMode = useSettingsStore(s => s.setThemeMode);
+  const setAppLockEnabled = useSettingsStore(s => s.setAppLockEnabled);
+  const appLockEnabled = useSettingsStore(s => s.appLockEnabled);
+  const [step, setStep] = useState(0);
+
+  const steps: OnboardingStep[] = [
+    { key: 'welcome', title: t('app.name'), description: t('app.tagline') },
+    { key: 'language', title: t('onboarding.language') },
+    { key: 'theme', title: t('onboarding.theme') },
+    { key: 'ledger', title: t('onboarding.ledger'), description: t('onboarding.ledgerDesc') },
+    { key: 'permissions', title: t('onboarding.permissions'), description: t('onboarding.permissionsDesc') },
+    { key: 'security', title: t('onboarding.security'), description: t('onboarding.securityDesc') },
+  ];
+
+  const current = steps[step];
+  const isLast = step === steps.length - 1;
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]}>
+      <ScrollView contentContainerStyle={styles.content}>
+        <View style={styles.iconWrap}>
+          <Ionicons name="book-outline" size={64} color={theme.colors.accent} />
+        </View>
+        <Text style={[theme.typography.h1, { color: theme.colors.fgPrimary, textAlign: 'center' }]}>
+          {current.title}
+        </Text>
+        {current.description && (
+          <Text style={[theme.typography.body, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 12 }]}>
+            {current.description}
+          </Text>
+        )}
+
+        {current.key === 'language' && (
+          <View style={styles.options}>
+            {(['zh', 'en'] as Locale[]).map(loc => (
+              <Pressable
+                key={loc}
+                onPress={() => setLocale(loc)}
+                style={[styles.option, { backgroundColor: theme.colors.bgTertiary, borderColor: theme.colors.border }]}
+              >
+                <Text style={{ color: theme.colors.fgPrimary }}>{loc === 'zh' ? t('settings.langZh') : t('settings.langEn')}</Text>
+              </Pressable>
+            ))}
+          </View>
+        )}
+
+        {current.key === 'theme' && (
+          <View style={styles.options}>
+            {(['light', 'dark', 'system'] as ThemeMode[]).map(mode => (
+              <Pressable
+                key={mode}
+                onPress={() => setThemeMode(mode)}
+                style={[styles.option, { backgroundColor: theme.colors.bgTertiary, borderColor: theme.colors.border }]}
+              >
+                <Text style={{ color: theme.colors.fgPrimary }}>
+                  {mode === 'light' ? t('settings.themeLight') : mode === 'dark' ? t('settings.themeDark') : t('settings.themeSystem')}
+                </Text>
+              </Pressable>
+            ))}
+          </View>
+        )}
+
+        {current.key === 'security' && (
+          <Pressable
+            onPress={() => setAppLockEnabled(!appLockEnabled)}
+            style={[styles.option, { backgroundColor: theme.colors.bgTertiary, borderColor: theme.colors.border, marginTop: 16 }]}
+          >
+            <Text style={{ color: theme.colors.fgPrimary }}>
+              {appLockEnabled ? t('onboarding.lockEnabled') : t('onboarding.enableLock')}
+            </Text>
+          </Pressable>
+        )}
+      </ScrollView>
+
+      <View style={[styles.footer, { borderTopColor: theme.colors.border }]}>
+        <View style={styles.dots}>
+          {steps.map((_, i) => (
+            <View
+              key={i}
+              style={[styles.dot, { backgroundColor: i === step ? theme.colors.accent : theme.colors.border }]}
+            />
+          ))}
+        </View>
+        <View style={styles.actions}>
+          {step > 0 && (
+            <Button label={t('onboarding.prev')} onPress={() => setStep(step - 1)} variant="secondary" />
+          )}
+          {isLast ? (
+            <Button label={t('onboarding.start')} onPress={onComplete} />
+          ) : (
+            <Button label={t('onboarding.next')} onPress={() => setStep(step + 1)} />
+          )}
+        </View>
+      </View>
+    </SafeAreaView>
+  );
+}
+
+/** 默认导出（expo-router 兼容性，消除「missing default export」警告）。 */
+export default OnboardingScreen;
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  content: { flex: 1, padding: 24, alignItems: 'center', justifyContent: 'center' },
+  iconWrap: { marginBottom: 24 },
+  options: { flexDirection: 'row', gap: 12, marginTop: 24, flexWrap: 'wrap', justifyContent: 'center' },
+  option: { paddingVertical: 12, paddingHorizontal: 24, borderRadius: 12, borderWidth: 1 },
+  footer: { padding: 16, borderTopWidth: 1 },
+  dots: { flexDirection: 'row', justifyContent: 'center', gap: 6, marginBottom: 12 },
+  dot: { width: 8, height: 8, borderRadius: 4 },
+  actions: { flexDirection: 'row', gap: 12, justifyContent: 'flex-end' },
+});
--- a/src/app/account/index.tsx
+++ b/src/app/account/index.tsx
@ -0,0 +1,313 @@
+import React, { useState } from 'react';
+import { Alert, Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useLedgerStore } from '../../store/ledgerStore';
+import { useT } from '../../i18n';
+import { Card } from '../../components/Card';
+import { FormModal, type FormField } from '../../components/FormModal';
+import { addDecimals } from '../../domain/decimal';
+import { computeAccountBalances } from '../../domain/ledger';
+
+type TabType = 'assets' | 'liabilities' | 'expenses' | 'income';
+
+export default function AccountScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  const ledger = useLedgerStore(s => s.ledger);
+  const autoOpenAccounts = useLedgerStore(s => s.autoOpenAccounts);
+  const autoCloseAccount = useLedgerStore(s => s.autoCloseAccount);
+  const adjustAccountBalance = useLedgerStore(s => s.adjustAccountBalance);
+
+  const [tab, setTab] = useState<TabType>('assets');
+  const [isAdding, setIsAdding] = useState(false);
+  const [adjustingAccount, setAdjustingAccount] = useState<string | null>(null);
+
+  const accounts = Array.from(ledger?.accounts.keys() || []).sort();
+
+  // 计算每个账户的余额（包含 balance 断言）
+  const balances = ledger ? computeAccountBalances(ledger) : new Map<string, string>();
+
+  // 根据当前选择的 Tab 过滤账户
+  const prefix =
+    tab === 'assets'
+      ? 'Assets:'
+      : tab === 'liabilities'
+      ? 'Liabilities:'
+      : tab === 'expenses'
+      ? 'Expenses:'
+      : 'Income:';
+
+  const filteredAccounts = accounts.filter(a => a.startsWith(prefix));
+
+  const handleCloseAccount = (accountName: string) => {
+    Alert.alert(
+      t('account.confirmClose'),
+      t('account.confirmCloseDesc', { name: accountName }),
+      [
+        { text: t('common.cancel'), style: 'cancel' },
+        {
+          text: t('account.btnConfirmClose'),
+          style: 'destructive',
+          onPress: async () => {
+            try {
+              await autoCloseAccount(accountName);
+              Alert.alert(t('account.closeSuccess'), t('account.closeSuccessDesc'));
+            } catch (e) {
+              Alert.alert(t('account.closeFail'), e instanceof Error ? e.message : String(e));
+            }
+          },
+        },
+      ]
+    );
+  };
+
+  const handleAddAccount = async (values: Record<string, string>) => {
+    const typeVal = values.type?.trim();
+    const nameVal = values.name?.trim();
+    const currencyVal = values.currency?.trim() || 'CNY';
+
+    if (!typeVal || !nameVal) {
+      Alert.alert(t('account.addFail'), t('account.addFailEmpty'));
+      return;
+    }
+
+    // 拼接成 Beancount 账户名并清洗特殊字符
+    const rawAccount = `${typeVal}:${nameVal}`;
+    let sanitized = rawAccount.replace(/：/g, ':');
+    sanitized = sanitized
+      .split(':')
+      .map((seg, idx) => {
+        if (idx === 0) return seg; // 保留顶级前缀如 Assets
+        // 将中英文括号和中括号转换为 - 连字符
+        let cleaned = seg.replace(/[\(\)（）\[\]]/g, '-');
+        cleaned = cleaned.replace(/-+/g, '-');
+        cleaned = cleaned.replace(/^-|-$/g, '');
+        cleaned = cleaned.replace(/[^\w\u4e00-\u9fa5-]/g, '');
+        return cleaned;
+      })
+      .join(':');
+
+    const rootType = sanitized.split(':')[0];
+    const validRoots = ['Assets', 'Liabilities', 'Income', 'Expenses', 'Equity'];
+    if (!validRoots.includes(rootType)) {
+      Alert.alert(t('account.addFail'), t('account.invalidRootAccount'));
+      return;
+    }
+
+    try {
+      await autoOpenAccounts([sanitized]);
+      setIsAdding(false);
+      Alert.alert(t('account.openSuccess'), t('account.openSuccessDesc', { name: sanitized }));
+    } catch (e) {
+      Alert.alert(t('account.openFail'), e instanceof Error ? e.message : String(e));
+    }
+  };
+
+  const handleConfirmAdjust = async (values: Record<string, string>) => {
+    if (!adjustingAccount) return;
+    const balanceVal = values.balance?.trim();
+    const dateVal = values.date?.trim() || new Date().toISOString().slice(0, 10);
+
+    if (!balanceVal) {
+      Alert.alert(t('account.adjustFail'), t('account.adjustFailEmpty'));
+      return;
+    }
+
+    try {
+      await adjustAccountBalance(adjustingAccount, balanceVal, dateVal);
+      setAdjustingAccount(null);
+      Alert.alert(t('account.adjustSuccess'), t('account.adjustSuccessDesc', { name: adjustingAccount, balance: balanceVal, currency: 'CNY' }));
+    } catch (e) {
+      Alert.alert(t('account.adjustFail'), e instanceof Error ? e.message : String(e));
+    }
+  };
+
+  const tabs: { key: TabType; label: string }[] = [
+    { key: 'assets', label: t('account.tabAssets') },
+    { key: 'liabilities', label: t('account.tabLiabilities') },
+    { key: 'expenses', label: t('account.tabExpenses') },
+    { key: 'income', label: t('account.tabIncome') },
+  ];
+
+  const fields: FormField[] = [
+    {
+      key: 'type',
+      label: t('account.fieldType'),
+      placeholder: 'Assets / Liabilities / Expenses / Income',
+      defaultValue: tab === 'assets' ? 'Assets' : tab === 'liabilities' ? 'Liabilities' : tab === 'expenses' ? 'Expenses' : 'Income',
+    },
+    {
+      key: 'name',
+      label: t('account.fieldName'),
+      placeholder: t('account.fieldNamePlaceholder'),
+      defaultValue: '',
+    },
+    {
+      key: 'currency',
+      label: t('account.fieldCurrency'),
+      placeholder: 'CNY',
+      defaultValue: 'CNY',
+    },
+  ];
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      {/* 头部导航 */}
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}>
+          <Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} />
+        </Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>
+          {t('account.title')}
+        </Text>
+      </View>
+
+      {/* Tab 选项卡 */}
+      <View style={[styles.tabBar, { borderBottomColor: theme.colors.border }]}>
+        {tabs.map(item => {
+          const isActive = tab === item.key;
+          return (
+            <Pressable
+              key={item.key}
+              accessibilityRole="tab"
+              accessibilityState={{ selected: isActive }}
+              accessibilityLabel={item.label}
+              style={[
+                styles.tabItem,
+                isActive && { borderBottomColor: theme.colors.accent, borderBottomWidth: 2 },
+              ]}
+              onPress={() => setTab(item.key)}
+            >
+              <Text
+                style={[
+                  theme.typography.bodySmall,
+                  { color: isActive ? theme.colors.accent : theme.colors.fgSecondary, fontWeight: isActive ? '700' : '400' },
+                ]}
+              >
+                {item.label}
+              </Text>
+            </Pressable>
+          );
+        })}
+      </View>
+
+      {/* 账户列表 */}
+      <ScrollView contentContainerStyle={styles.content}>
+        <Pressable onPress={() => setIsAdding(true)} style={styles.addBtn}>
+          <Ionicons name="add-circle" size={20} color={theme.colors.accent} />
+          <Text style={[theme.typography.body, { color: theme.colors.accent, marginLeft: 6 }]}>
+            {t('account.addNew')}
+          </Text>
+        </Pressable>
+
+        {filteredAccounts.map(account => {
+          const shortName = account.slice(prefix.length);
+          const balance = balances.get(account) ?? '0.00';
+          const currency = ledger?.accounts.get(account)?.currencies[0] || 'CNY';
+
+          return (
+            <Card key={account} title={shortName}>
+              <View style={styles.infoRow}>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                  {t('account.fullName')}
+                </Text>
+                <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>
+                  {account}
+                </Text>
+              </View>
+              <View style={styles.infoRow}>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                  {t('account.currentBalance')}
+                </Text>
+                <Text
+                  style={[
+                    theme.typography.body,
+                    { color: balance.startsWith('-') ? theme.colors.error : theme.colors.info, fontWeight: '700' },
+                  ]}
+                >
+                  {balance} {currency}
+                </Text>
+              </View>
+
+              <View style={styles.cardActions}>
+                <Pressable
+                  onPress={() => setAdjustingAccount(account)}
+                  style={[styles.actionBtn, { borderColor: theme.colors.border, marginRight: 8 }]}
+                >
+                  <Ionicons name="create-outline" size={14} color={theme.colors.accent} />
+                  <Text style={[theme.typography.caption, { color: theme.colors.accent, marginLeft: 4 }]}>
+                    {t('account.adjustBalance')}
+                  </Text>
+                </Pressable>
+                <Pressable
+                  onPress={() => handleCloseAccount(account)}
+                  style={[styles.closeBtn, { borderColor: theme.colors.border }]}
+                >
+                  <Ionicons name="close-circle-outline" size={14} color={theme.colors.error} />
+                  <Text style={[theme.typography.caption, { color: theme.colors.error, marginLeft: 4 }]}>
+                    {t('account.closeAccount')}
+                  </Text>
+                </Pressable>
+              </View>
+            </Card>
+          );
+        })}
+
+        {filteredAccounts.length === 0 && (
+          <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 40 }]}>
+            {t('account.empty')}
+          </Text>
+        )}
+      </ScrollView>
+
+      {/* 新开户对话框 */}
+      <FormModal
+        visible={isAdding}
+        title={t('account.addModalTitle')}
+        fields={fields}
+        onConfirm={handleAddAccount}
+        onCancel={() => setIsAdding(false)}
+      />
+
+      {/* 调整余额对话框 */}
+      <FormModal
+        visible={adjustingAccount !== null}
+        title={t('account.adjustModalTitle')}
+        fields={[
+          {
+            key: 'balance',
+            label: t('account.fieldBalance'),
+            placeholder: t('account.fieldBalancePlaceholder'),
+            defaultValue: adjustingAccount ? (balances.get(adjustingAccount) ?? '0.00') : '0.00',
+          },
+          {
+            key: 'date',
+            label: t('account.fieldDate'),
+            placeholder: 'YYYY-MM-DD',
+            defaultValue: new Date().toISOString().slice(0, 10),
+          },
+        ]}
+        onConfirm={handleConfirmAdjust}
+        onCancel={() => setAdjustingAccount(null)}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  tabBar: { flexDirection: 'row', borderBottomWidth: 1, paddingHorizontal: 8 },
+  tabItem: { flex: 1, alignItems: 'center', paddingVertical: 12 },
+  content: { padding: 16, gap: 12 },
+  addBtn: { flexDirection: 'row', alignItems: 'center', marginBottom: 8 },
+  infoRow: { flexDirection: 'row', justifyContent: 'space-between', paddingVertical: 4, alignItems: 'center' },
+  cardActions: { flexDirection: 'row', justifyContent: 'flex-end', marginTop: 8 },
+  actionBtn: { flexDirection: 'row', alignItems: 'center', borderWidth: 1, borderRadius: 4, paddingHorizontal: 8, paddingVertical: 4 },
+  closeBtn: { flexDirection: 'row', alignItems: 'center', borderWidth: 1, borderRadius: 4, paddingHorizontal: 8, paddingVertical: 4 },
+});
--- a/src/app/ai/chat.tsx
+++ b/src/app/ai/chat.tsx
@ -0,0 +1,202 @@
+/**
+ * AI 聊天助手（plan.md「8.1 AI 聊天助手」）。
+ *
+ * 功能：
+ * - 自然语言记账（"昨天星巴克花了35" → 生成账单卡片）
+ * - 自由聊天（AI 回复）
+ * - 账单卡片点击跳转 new.tsx 预填
+ *
+ * 使用 chatAssistant.processChatMessage + BaseOpenAIProvider（OpenAI 兼容协议）。
+ * AI 未配置时降级为提示用户去设置。
+ */
+import React, { useState, useCallback, useRef } from 'react';
+import { FlatList, KeyboardAvoidingView, Platform, Pressable, StyleSheet, Text, TextInput, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { Ionicons } from '@expo/vector-icons';
+import { useRouter } from 'expo-router';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { useSettingsStore } from '../../store/settingsStore';
+import { BaseOpenAIProvider, type AiProviderConfig, type AiProvider, type ChatMessage as AiChatMessage } from '../../domain/ai';
+import { processChatMessage, createConversation, appendMessage, type ChatConversation, type ChatResponse } from '../../ai/chatAssistant';
+
+interface UiMessage {
+  role: 'user' | 'assistant';
+  content: string;
+  billCards?: ChatResponse['billCards'];
+}
+
+/** 构造 AiProvider（从 settingsStore）。 */
+function buildProvider(get: ReturnType<typeof useSettingsStore.getState>): AiProvider | null {
+  if (!get.aiEnabled || !get.aiApiKey) return null;
+  const config: AiProviderConfig = {
+    id: get.aiProviderId,
+    name: get.aiProviderId,
+    apiKey: get.aiApiKey,
+    baseUrl: get.aiBaseUrl || 'https://api.openai.com/v1',
+    model: get.aiModel || 'gpt-4o-mini',
+  };
+  // BaseOpenAIProvider 是 abstract 但 chat 方法已实现，创建匿名子类
+  return new (class extends BaseOpenAIProvider {})(config);
+}
+
+export default function AIChatScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+  const aiEnabled = useSettingsStore(s => s.aiEnabled);
+  const aiApiKey = useSettingsStore(s => s.aiApiKey);
+  const [input, setInput] = useState('');
+  const [loading, setLoading] = useState(false);
+  const [messages, setMessages] = useState<UiMessage[]>([
+    { role: 'assistant', content: t('ai.welcome') },
+  ]);
+  const conversationRef = useRef<ChatConversation>(createConversation());
+  const listRef = useRef<FlatList<UiMessage>>(null);
+
+  const sendMessage = useCallback(async () => {
+    const text = input.trim();
+    if (!text || loading) return;
+
+    // 添加用户消息
+    const userMsg: UiMessage = { role: 'user', content: text };
+    setMessages(prev => [...prev, userMsg]);
+    setInput('');
+    setLoading(true);
+
+    try {
+      const provider = buildProvider(useSettingsStore.getState());
+      if (!provider) {
+        setMessages(prev => [...prev, { role: 'assistant', content: t('ai.notConfigured') }]);
+        return;
+      }
+
+      const response = await processChatMessage(text, provider, conversationRef.current);
+      conversationRef.current = appendMessage(conversationRef.current, { role: 'user', content: text });
+
+      if (response.type === 'bill_card' && response.billCards && response.billCards.length > 0) {
+        const assistantMsg: UiMessage = {
+          role: 'assistant',
+          content: t('ai.billDetected'),
+          billCards: response.billCards,
+        };
+        setMessages(prev => [...prev, assistantMsg]);
+        conversationRef.current = appendMessage(conversationRef.current, { role: 'assistant', content: response.text || '' });
+      } else if (response.type === 'text' && response.text) {
+        setMessages(prev => [...prev, { role: 'assistant', content: response.text! }]);
+        conversationRef.current = appendMessage(conversationRef.current, { role: 'assistant', content: response.text });
+      } else if (response.type === 'error') {
+        setMessages(prev => [...prev, { role: 'assistant', content: response.error || t('ai.error') }]);
+      } else {
+        setMessages(prev => [...prev, { role: 'assistant', content: response.text || t('ai.error') }]);
+      }
+    } catch (e) {
+      setMessages(prev => [...prev, { role: 'assistant', content: `${t('ai.error')}: ${e instanceof Error ? e.message : String(e)}` }]);
+    } finally {
+      setLoading(false);
+      setTimeout(() => listRef.current?.scrollToEnd(), 100);
+    }
+  }, [input, loading, t]);
+
+  const renderMessage = ({ item }: { item: UiMessage }) => {
+    const isUser = item.role === 'user';
+    return (
+      <View style={[styles.msgRow, { justifyContent: isUser ? 'flex-end' : 'flex-start' }]}>
+        <View style={[
+          styles.bubble,
+          {
+            backgroundColor: isUser ? theme.colors.accent : theme.colors.bgTertiary,
+            borderColor: theme.colors.border,
+          },
+        ]}>
+          <Text style={{ color: isUser ? theme.colors.fgInverse : theme.colors.fgPrimary, fontSize: 15, lineHeight: 20 }}>
+            {item.content}
+          </Text>
+          {/* 账单卡片 */}
+          {item.billCards && item.billCards.map((card, i) => (
+            <Pressable
+              key={i}
+              onPress={() => router.push({ pathname: '/transaction/new', params: { mode: 'ocr' } })}
+              style={[styles.billCard, { backgroundColor: theme.colors.bgPrimary, borderColor: theme.colors.accent }]}
+            >
+              <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary, fontWeight: '700' }]}>
+                {card.type === 'income' ? '💰' : card.type === 'transfer' ? '🔄' : '💸'} {card.amount} {card.currency}
+              </Text>
+              <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                {card.counterparty} · {card.narration}
+              </Text>
+              <View style={{ flexDirection: 'row', alignItems: 'center', gap: 4, marginTop: 4 }}>
+                <Text style={[theme.typography.caption, { color: theme.colors.accent, fontFamily: theme.typography.caption.fontFamily }]}>
+                  {t('ai.tapToRecord')}
+                </Text>
+                <Ionicons name="arrow-forward" size={12} color={theme.colors.accent} />
+              </View>
+            </Pressable>
+          ))}
+        </View>
+      </View>
+    );
+  };
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={[styles.header, { borderBottomColor: theme.colors.border }]}>
+        <Pressable onPress={() => router.back()}>
+          <Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} />
+        </Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>
+          {t('ai.chatTitle')}
+        </Text>
+      </View>
+
+      <FlatList
+        ref={listRef}
+        data={messages}
+        keyExtractor={(item, index) => `${index}`}
+        renderItem={renderMessage}
+        contentContainerStyle={{ padding: 16, gap: 8 }}
+        onContentSizeChange={() => listRef.current?.scrollToEnd()}
+      />
+
+      {loading && (
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', paddingBottom: 4 }]}>
+          {t('ai.thinking')}
+        </Text>
+      )}
+
+      <KeyboardAvoidingView behavior={Platform.OS === 'ios' ? 'padding' : undefined}>
+        <View style={[styles.inputRow, { backgroundColor: theme.colors.bgSecondary, borderTopColor: theme.colors.border }]}>
+          <TextInput
+            value={input}
+            onChangeText={setInput}
+            placeholder={t('ai.inputPlaceholder')}
+            placeholderTextColor={theme.colors.fgSecondary}
+            style={[styles.input, { color: theme.colors.fgPrimary }]}
+            multiline
+          />
+          <Pressable
+            onPress={sendMessage}
+            disabled={!input.trim() || loading}
+            style={({ pressed }) => [
+              styles.sendBtn,
+              { backgroundColor: theme.colors.accent, opacity: (!input.trim() || loading) ? 0.4 : pressed ? 0.7 : 1 },
+            ]}
+          >
+            <Ionicons name="send" size={18} color={theme.colors.fgInverse} />
+          </Pressable>
+        </View>
+      </KeyboardAvoidingView>
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12, borderBottomWidth: 1 },
+  msgRow: { flexDirection: 'row', maxWidth: '100%' },
+  bubble: { maxWidth: '85%', borderRadius: 12, padding: 12, borderWidth: 1 },
+  billCard: { marginTop: 8, padding: 10, borderRadius: 8, borderWidth: 1 },
+  inputRow: { flexDirection: 'row', alignItems: 'flex-end', paddingHorizontal: 12, paddingVertical: 8, borderTopWidth: 1, gap: 8 },
+  input: { flex: 1, maxHeight: 100, fontSize: 15, paddingVertical: 8 },
+  sendBtn: { width: 36, height: 36, borderRadius: 18, alignItems: 'center', justifyContent: 'center' },
+});
--- a/src/app/automation/index.tsx
+++ b/src/app/automation/index.tsx
@ -0,0 +1,432 @@
+/**
+ * 自动记账管理页（plan.md「3.x 自动记账统一管理」+「3.6 无障碍服务」）。
+ *
+ * 功能：
+ * - 显示 5 个通道（通知/短信/截图/OCR/手动）的检测统计
+ * - 展示检测到的事件列表
+ * - "处理全部" → BillPipeline → 草稿
+ * - 逐条确认/拒绝草稿 → 写入 mobile.bean
+ * - 截图监控开关（调原生 ScreenshotMonitor 模块）
+ * - 无障碍服务控制：
+ *   - 服务状态（已连接/未启用）
+ *   - 打开系统无障碍设置
+ *   - 记住当前页面（标记应自动 OCR 的支付页面）
+ *   - 手动触发 OCR
+ *   - 已记住页面列表（可删除）
+ *   - 支付 App 白名单展示
+ */
+import React, { useCallback, useEffect, useMemo, useState } from 'react';
+import { Alert, AppState, FlatList, Linking, NativeModules, Platform, Pressable, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { useAutomationStore } from '../../store/automationStore';
+import { useLedgerStore } from '../../store/ledgerStore';
+import { useMetadataStore } from '../../store/metadataStore';
+import { Card } from '../../components/Card';
+import { Button } from '../../components/Button';
+import type { AutomationSource } from '../../store/automationStore';
+import {
+  getAccessibilityBridge,
+  getPackageLabel,
+  type PageSignature,
+} from '../../services/accessibilityBridge';
+
+const SOURCE_LABELS: Record<AutomationSource, string> = {
+  notification: 'automation.sourceNotification',
+  sms: 'automation.sourceSms',
+  screenshot: 'automation.sourceScreenshot',
+  ocr: 'automation.sourceOcr',
+  manual: 'automation.sourceManual',
+};
+
+export default function AutomationScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  const detected = useAutomationStore(s => s.detected);
+  const drafts = useAutomationStore(s => s.drafts);
+  const stats = useAutomationStore(s => s.stats);
+  const processAll = useAutomationStore(s => s.processAll);
+  const confirmDraft = useAutomationStore(s => s.confirmDraft);
+  const rejectDraft = useAutomationStore(s => s.rejectDraft);
+
+  const ledger = useLedgerStore(s => s.ledger);
+  const addTransaction = useLedgerStore(s => s.addTransaction);
+
+  // 无障碍服务状态
+  const [serviceRunning, setServiceRunning] = useState(false);
+  const [pageSignatures, setPageSignatures] = useState<PageSignature[]>([]);
+  const [paymentPackages, setPaymentPackages] = useState<{ package: string; label: string }[]>([]);
+  const [screenshotActive, setScreenshotActive] = useState(false);
+  const [topApp, setTopApp] = useState<{ package: string; activity: string } | null>(null);
+
+  const sourceEntries = useMemo(() => Object.entries(stats) as [AutomationSource, number][], [stats]);
+
+  // 刷新无障碍状态
+  const refreshAccessibilityState = useCallback(async () => {
+    const bridge = getAccessibilityBridge();
+    if (!bridge) return;
+    try {
+      const [running, sigs, pkgs, top] = await Promise.all([
+        bridge.isServiceRunning().catch(() => false),
+        bridge.getPageSignatures().catch(() => [] as PageSignature[]),
+        bridge.getPaymentPackages().catch(() => [] as string[]),
+        bridge.getTopApp().catch(() => ({ package: '', activity: '' })),
+      ]);
+      setServiceRunning(running);
+      setPageSignatures(sigs);
+      setPaymentPackages(pkgs.map(pkg => ({ package: pkg, label: getPackageLabel(pkg) })));
+      setTopApp(top && top.package ? top : null);
+    } catch {
+      // 静默
+    }
+  }, []);
+
+  useEffect(() => {
+    refreshAccessibilityState();
+
+    const subscription = AppState.addEventListener('change', (nextAppState) => {
+      if (nextAppState === 'active') {
+        refreshAccessibilityState();
+      }
+    });
+
+    return () => {
+      subscription.remove();
+    };
+  }, [refreshAccessibilityState]);
+
+  const handleProcess = async () => {
+    if (!ledger) return;
+    const rules = useMetadataStore.getState().rules;
+    const categories = useMetadataStore.getState().categories;
+    const history = ledger.transactions;
+    try {
+      await processAll(ledger, rules, categories, history);
+    } catch (e) {
+      Alert.alert(String(e));
+    }
+  };
+
+  const handleConfirm = async (index: number) => {
+    const draft = confirmDraft(index);
+    if (!draft) return;
+    try {
+      await addTransaction(draft.draft);
+      Alert.alert(t('automation.confirmed'));
+    } catch (e) {
+      Alert.alert(String(e));
+    }
+  };
+
+  const handleScreenshotToggle = () => {
+    if (Platform.OS !== 'android') {
+      Alert.alert('Android only');
+      return;
+    }
+    const module = (NativeModules as { ScreenshotMonitor?: { start: () => void; stop: () => void } }).ScreenshotMonitor;
+    if (!module) {
+      Alert.alert(t('automation.screenshotUnavailable'));
+      return;
+    }
+    if (screenshotActive) {
+      module.stop();
+      setScreenshotActive(false);
+    } else {
+      module.start();
+      setScreenshotActive(true);
+    }
+  };
+
+  const handleOpenAccessibilitySettings = () => {
+    if (Platform.OS !== 'android') return;
+    // 打开系统无障碍设置页面 (Intent Action)
+    Linking.sendIntent('android.settings.ACCESSIBILITY_SETTINGS').catch(() => {
+      Alert.alert(t('automation.openSettingsFail'));
+    });
+  };
+
+  const handleRememberPage = async () => {
+    const bridge = getAccessibilityBridge();
+    if (!bridge) {
+      Alert.alert(t('automation.bridgeUnavailable'));
+      return;
+    }
+    Alert.alert(
+      '准备记录目标页面',
+      '点击“开始”后，请在 8 秒内切换到支付宝/微信的账单详情页，系统将在倒计时结束后自动记录该页面的签名。',
+      [
+        { text: t('common.cancel'), style: 'cancel' },
+        {
+          text: '开始 (8s 倒计时)',
+          onPress: () => {
+            setTimeout(async () => {
+              try {
+                const result = await bridge.rememberCurrentPage();
+                Alert.alert(
+                  t('automation.rememberPageSuccess'),
+                  t('automation.rememberPageDesc', { pkg: getPackageLabel(result.package), activity: result.activity }),
+                );
+                refreshAccessibilityState();
+              } catch (e) {
+                Alert.alert(t('automation.rememberPageFail'), String((e as Error)?.message ?? e));
+              }
+            }, 8000);
+          },
+        },
+      ],
+    );
+  };
+
+  const handleManualOcr = async () => {
+    const bridge = getAccessibilityBridge();
+    if (!bridge) {
+      Alert.alert(t('automation.bridgeUnavailable'));
+      return;
+    }
+    Alert.alert(
+      '准备手动识别',
+      '点击“开始”后，请在 8 秒内切换到你想识别的账单详情页，系统将在 8 秒后自动截图并识别该页面。',
+      [
+        { text: t('common.cancel'), style: 'cancel' },
+        {
+          text: '开始 (8s 倒计时)',
+          onPress: () => {
+            setTimeout(async () => {
+              try {
+                await bridge.triggerManualOcr();
+              } catch (e) {
+                Alert.alert(t('automation.manualOcrFail'), String((e as Error)?.message ?? e));
+              }
+            }, 8000);
+          },
+        },
+      ],
+    );
+  };
+
+  const handleRemoveSignature = async (sig: string) => {
+    const bridge = getAccessibilityBridge();
+    if (!bridge) return;
+    try {
+      await bridge.removePageSignature(sig);
+      refreshAccessibilityState();
+    } catch {
+      // 静默
+    }
+  };
+
+  const handleClearSignatures = () => {
+    Alert.alert(
+      t('automation.clearPagesTitle'),
+      t('automation.clearPagesConfirm'),
+      [
+        { text: t('common.cancel'), style: 'cancel' },
+        {
+          text: t('common.confirm'),
+          style: 'destructive',
+          onPress: async () => {
+            const bridge = getAccessibilityBridge();
+            if (!bridge) return;
+            try {
+              await bridge.clearPageSignatures();
+              refreshAccessibilityState();
+            } catch {
+              // 静默
+            }
+          },
+        },
+      ],
+    );
+  };
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}>
+          <Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} />
+        </Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>
+          {t('automation.title')}
+        </Text>
+      </View>
+
+      <FlatList
+        data={drafts}
+        keyExtractor={(item, index) => item.draft.sourceEventId ?? `${item.draft.date}-${index}`}
+        renderItem={({ item, index }) => (
+          <Card title={`${item.draft.date} · ${item.draft.narration}`}>
+            <Text style={[theme.typography.bodySmall, { color: theme.colors.fgSecondary }]}>
+              {item.draft.postings.map(p => `${p.account} ${p.amount} ${p.currency ?? ''}`).join('\n')}
+            </Text>
+            <View style={{ flexDirection: 'row', gap: 8, marginTop: 8 }}>
+              <Button label={t('automation.confirmDraft')} onPress={() => handleConfirm(index)} />
+              <Button label={t('automation.rejectDraft')} onPress={() => rejectDraft(index)} variant="secondary" />
+            </View>
+          </Card>
+        )}
+        ListHeaderComponent={
+          <View style={{ gap: 12, marginBottom: 12 }}>
+            {/* 通道统计 */}
+            <Card title={t('automation.channelStats')}>
+              <View style={styles.statsRow}>
+                {sourceEntries.map(([source, count]) => (
+                  <View key={source} style={styles.statItem}>
+                    <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                      {t(SOURCE_LABELS[source])}
+                    </Text>
+                    <Text style={[theme.typography.h3, { color: count > 0 ? theme.colors.accent : theme.colors.fgSecondary }]}>
+                      {count}
+                    </Text>
+                  </View>
+                ))}
+              </View>
+            </Card>
+
+            {/* 无障碍服务状态与控制 */}
+            {Platform.OS === 'android' && (
+              <Card title={t('automation.accessibilityTitle')}>
+                {/* 服务状态 */}
+                <View style={[styles.statusRow, { marginBottom: 8 }]}>
+                  <View style={[styles.statusDot, { backgroundColor: serviceRunning ? theme.colors.success : theme.colors.fgSecondary }]} />
+                  <Text style={[theme.typography.body, { color: theme.colors.fgPrimary }]}>
+                    {serviceRunning ? t('automation.serviceRunning') : t('automation.serviceStopped')}
+                  </Text>
+                </View>
+                {topApp && (
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginBottom: 8 }]}>
+                    {t('automation.currentApp')}: {getPackageLabel(topApp.package)}
+                  </Text>
+                )}
+
+                {/* 操作按钮 */}
+                <View style={{ gap: 8 }}>
+                  {!serviceRunning && (
+                    <Button label={t('automation.openSettings')} onPress={handleOpenAccessibilitySettings} variant="secondary" />
+                  )}
+                  <View style={{ flexDirection: 'row', gap: 8 }}>
+                    <View style={{ flex: 1 }}>
+                      <Button
+                        label={t('automation.rememberPage')}
+                        onPress={handleRememberPage}
+                        variant="secondary"
+                      />
+                    </View>
+                    <View style={{ flex: 1 }}>
+                      <Button
+                        label={t('automation.manualOcr')}
+                        onPress={handleManualOcr}
+                      />
+                    </View>
+                  </View>
+                </View>
+
+                {/* 支付 App 白名单 */}
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 12, marginBottom: 4 }]}>
+                  {t('automation.whitelistTitle')}
+                </Text>
+                <View style={{ flexDirection: 'row', flexWrap: 'wrap', gap: 4 }}>
+                  {paymentPackages.length === 0 ? (
+                    <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                      {t('automation.whitelistEmpty')}
+                    </Text>
+                  ) : (
+                    paymentPackages.map(pkg => (
+                      <View key={pkg.package} style={[styles.chip, { backgroundColor: theme.colors.divider }]}>
+                        <Text style={[theme.typography.caption, { color: theme.colors.fgPrimary }]}>
+                          {pkg.label}
+                        </Text>
+                      </View>
+                    ))
+                  )}
+                </View>
+
+                {/* 已记住的页面 */}
+                {pageSignatures.length > 0 && (
+                  <View style={{ marginTop: 12 }}>
+                    <View style={{ flexDirection: 'row', justifyContent: 'space-between', alignItems: 'center' }}>
+                      <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                        {t('automation.rememberedPages', { count: pageSignatures.length })}
+                      </Text>
+                      <Pressable onPress={handleClearSignatures}>
+                        <Text style={[theme.typography.caption, { color: theme.colors.accent }]}>
+                          {t('automation.clearAll')}
+                        </Text>
+                      </Pressable>
+                    </View>
+                    {pageSignatures.map(sig => (
+                      <View key={sig.signature} style={styles.sigRow}>
+                        <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary, flex: 1 }]}>
+                          {getPackageLabel(sig.package)} · {sig.activity.split('.').pop() || sig.activity}
+                        </Text>
+                        <Pressable onPress={() => handleRemoveSignature(sig.signature)}>
+                          <Ionicons name="close-circle" size={18} color={theme.colors.fgSecondary} />
+                        </Pressable>
+                      </View>
+                    ))}
+                  </View>
+                )}
+
+                {/* 截图监控开关 */}
+                <View style={{ marginTop: 12 }}>
+                  <Button
+                    label={screenshotActive ? t('automation.screenshotStop') : t('automation.screenshotStart')}
+                    onPress={handleScreenshotToggle}
+                    variant={screenshotActive ? 'primary' : 'secondary'}
+                  />
+                </View>
+              </Card>
+            )}
+
+            {/* 检测到的事件 */}
+            <Card title={t('automation.detectedEvents', { count: detected.length })}>
+              {detected.length === 0 ? (
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                  {t('automation.noEvents')}
+                </Text>
+              ) : (
+                <View style={{ gap: 4 }}>
+                  {detected.map(ev => (
+                    <Text key={ev.id} style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>
+                      [{t(SOURCE_LABELS[ev.source])}] {ev.event.counterparty} · {ev.event.amount} {ev.event.currency}
+                    </Text>
+                  ))}
+                  <View style={{ marginTop: 8 }}>
+                    <Button label={t('automation.process')} onPress={handleProcess} />
+                  </View>
+                </View>
+              )}
+            </Card>
+
+            {/* 草稿标题 */}
+            <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary }]}>
+              {t('automation.drafts', { count: drafts.length })}
+            </Text>
+          </View>
+        }
+        ListEmptyComponent={
+          <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center' }]}>
+            {t('automation.noDrafts')}
+          </Text>
+        }
+        contentContainerStyle={styles.content}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, paddingBottom: 64 },
+  statsRow: { flexDirection: 'row', justifyContent: 'space-around' },
+  statItem: { alignItems: 'center', gap: 4 },
+  statusRow: { flexDirection: 'row', alignItems: 'center', gap: 8 },
+  statusDot: { width: 8, height: 8, borderRadius: 4 },
+  chip: { paddingHorizontal: 8, paddingVertical: 4, borderRadius: 4 },
+  sigRow: { flexDirection: 'row', alignItems: 'center', gap: 8, paddingVertical: 4 },
+});
--- a/src/app/budget/index.tsx
+++ b/src/app/budget/index.tsx
@ -0,0 +1,161 @@
+/**
+ * 预算管理页面（plan.md「1.1 budget/index」+ 决策 1 双轨制）。
+ *
+ * 功能：预算列表(含进度条) + 添加/编辑/删除。
+ * 进度计算调用 calculateBudgetProgress 纯函数,展示已用/剩余/百分比。
+ */
+import React, { useState } from 'react';
+import { Alert, Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useLedgerStore } from '../../store/ledgerStore';
+import { useMetadataStore, generateId } from '../../store/metadataStore';
+import { useT } from '../../i18n';
+import { Card } from '../../components/Card';
+import { FormModal, type FormField } from '../../components/FormModal';
+import { calculateBudgetProgress } from '../../domain/budgets';
+import type { Budget } from '../../domain/budgets';
+
+type ModalMode = { type: 'add' } | { type: 'edit'; budget: Budget } | null;
+
+export default function BudgetScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  const budgets = useMetadataStore(s => s.budgets);
+  const addBudget = useMetadataStore(s => s.addBudget);
+  const updateBudget = useMetadataStore(s => s.updateBudget);
+  const removeBudget = useMetadataStore(s => s.removeBudget);
+  const ledger = useLedgerStore(s => s.ledger);
+
+  const [modal, setModal] = useState<ModalMode>(null);
+
+  const transactions = ledger?.transactions ?? [];
+  const today = new Date().toISOString().slice(0, 10);
+
+  const handleDelete = (budget: Budget) => {
+    Alert.alert(t('budget.deleteTitle'), t('budget.deleteConfirm', { name: budget.name }), [
+      { text: t('common.cancel'), style: 'cancel' },
+      { text: t('common.delete'), style: 'destructive', onPress: () => removeBudget(budget.id) },
+    ]);
+  };
+
+  const handleConfirm = (values: Record<string, string>) => {
+    const name = values.name?.trim() || t('budget.unnamed');
+    const amount = values.amount?.trim() || '0';
+    const period = (values.period as Budget['period']) || 'monthly';
+    const categoryAccount = values.categoryAccount?.trim() || undefined;
+    const startDate = values.startDate?.trim() || today;
+
+    const amtNum = parseFloat(amount);
+    if (isNaN(amtNum) || amtNum <= 0) {
+      Alert.alert(t('budget.invalidAmountTitle'), t('budget.invalidAmountDesc'));
+      return;
+    }
+
+    if (modal?.type === 'add') {
+      addBudget({ id: generateId('bud'), name, amount, period, categoryAccount, startDate });
+    } else if (modal?.type === 'edit') {
+      updateBudget(modal.budget.id, { name, amount, period, categoryAccount, startDate });
+    }
+    setModal(null);
+  };
+
+  const periodLabel = (p: string) => p === 'monthly' ? t('budget.periodMonthly') : p === 'weekly' ? t('budget.periodWeekly') : t('budget.periodYearly');
+
+  const editFields: FormField[] = modal?.type === 'edit' ? [
+    { key: 'name', label: t('budget.fieldName'), placeholder: t('budget.fieldNamePlaceholder'), defaultValue: modal.budget.name },
+    { key: 'amount', label: t('budget.fieldAmount'), placeholder: t('budget.fieldAmountPlaceholder'), defaultValue: modal.budget.amount, keyboardType: 'decimal-pad' },
+    { key: 'period', label: t('budget.fieldPeriod'), placeholder: 'monthly', defaultValue: modal.budget.period },
+    { key: 'categoryAccount', label: t('budget.fieldCategoryAccount'), placeholder: t('budget.fieldCategoryPlaceholder'), defaultValue: modal.budget.categoryAccount ?? '' },
+    { key: 'startDate', label: t('budget.fieldStartDate'), placeholder: '2026-01-01', defaultValue: modal.budget.startDate },
+  ] : [];
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}><Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} /></Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>{t('budget.title')}</Text>
+      </View>
+      <ScrollView contentContainerStyle={styles.content}>
+        <Pressable onPress={() => setModal({ type: 'add' })} style={styles.addBtn}>
+          <Ionicons name="add-circle" size={20} color={theme.colors.accent} />
+          <Text style={[theme.typography.body, { color: theme.colors.accent, marginLeft: 6 }]}>{t('budget.add')}</Text>
+        </Pressable>
+        {budgets.map(budget => {
+          const progress = calculateBudgetProgress(budget, transactions, today);
+          return (
+            <Pressable
+              key={budget.id}
+              onPress={() => setModal({ type: 'edit', budget })}
+              onLongPress={() => handleDelete(budget)}
+            >
+              <Card title={budget.name}>
+                <View style={styles.budgetRow}>
+                  <Text style={[theme.typography.body, { color: theme.colors.fgPrimary }]}>
+                    {t('budget.yuanPer', { amount: budget.amount, period: periodLabel(budget.period) })}
+                  </Text>
+                  <Text style={[theme.typography.caption, {
+                    color: progress.overBudget ? theme.colors.error : theme.colors.fgSecondary,
+                  }]}>
+                    {t('budget.used', { spent: progress.spent, pct: progress.percentage.toFixed(0) })}
+                  </Text>
+                </View>
+                {/* 进度条 */}
+                <View style={[styles.barWrap, { backgroundColor: theme.colors.bgTertiary }]}>
+                  <View style={[
+                    styles.bar,
+                    {
+                      width: `${Math.min(progress.percentage, 100)}%`,
+                      backgroundColor: progress.overBudget ? theme.colors.error : theme.colors.accent,
+                    },
+                  ]} />
+                </View>
+                {budget.categoryAccount && (
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 4 }]}>
+                    {budget.categoryAccount}
+                  </Text>
+                )}
+              </Card>
+            </Pressable>
+          );
+        })}
+        {budgets.length === 0 && (
+          <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 20 }]}>
+            {t('budget.empty')}
+          </Text>
+        )}
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 8 }]}>
+          {t('common.clickEditLongDelete')}
+        </Text>
+      </ScrollView>
+
+      <FormModal
+        visible={modal !== null}
+        title={modal?.type === 'edit' ? t('budget.editTitle') : t('budget.add')}
+        fields={modal?.type === 'edit' ? editFields : [
+          { key: 'name', label: t('budget.fieldName'), placeholder: t('budget.fieldNamePlaceholder') },
+          { key: 'amount', label: t('budget.fieldAmount'), placeholder: t('budget.fieldAmountPlaceholder'), keyboardType: 'decimal-pad' },
+          { key: 'period', label: t('budget.fieldPeriod'), placeholder: 'monthly' },
+          { key: 'categoryAccount', label: t('budget.fieldCategoryAccount'), placeholder: t('budget.fieldCategoryPlaceholder') },
+          { key: 'startDate', label: t('budget.fieldStartDate'), placeholder: '2026-01-01' },
+        ]}
+        onConfirm={handleConfirm}
+        onCancel={() => setModal(null)}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, gap: 12 },
+  addBtn: { flexDirection: 'row', alignItems: 'center' },
+  budgetRow: { flexDirection: 'row', justifyContent: 'space-between', alignItems: 'center' },
+  barWrap: { height: 8, borderRadius: 4, overflow: 'hidden', marginTop: 8 },
+  bar: { height: '100%', borderRadius: 4 },
+});
--- a/src/app/category/index.tsx
+++ b/src/app/category/index.tsx
@ -0,0 +1,135 @@
+/**
+ * 分类管理页面（plan.md「1.1 category/index」+ 决策 1 双轨制）。
+ *
+ * 功能：分类列表（支出/收入分组）+ 添加/编辑/删除。
+ * 数据来源：metadataStore（持久化），linkedAccount 映射到 Beancount 账户。
+ */
+import React, { useState } from 'react';
+import { Alert, Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useMetadataStore, generateId } from '../../store/metadataStore';
+import { useT } from '../../i18n';
+import { Card } from '../../components/Card';
+import { FormModal, type FormField } from '../../components/FormModal';
+import type { Category } from '../../domain/categories';
+
+type ModalMode = { type: 'add'; catType: 'expense' | 'income' } | { type: 'edit'; category: Category } | null;
+
+export default function CategoryScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  const categories = useMetadataStore(s => s.categories);
+  const addCategory = useMetadataStore(s => s.addCategory);
+  const updateCategory = useMetadataStore(s => s.updateCategory);
+  const removeCategory = useMetadataStore(s => s.removeCategory);
+
+  const [modal, setModal] = useState<ModalMode>(null);
+
+  const expenseCats = categories.filter(c => c.type === 'expense');
+  const incomeCats = categories.filter(c => c.type === 'income');
+
+  const handleDelete = (cat: Category) => {
+    Alert.alert(t('category.deleteTitle'), t('category.deleteConfirm', { name: cat.name }), [
+      { text: t('common.cancel'), style: 'cancel' },
+      { text: t('common.delete'), style: 'destructive', onPress: () => removeCategory(cat.id) },
+    ]);
+  };
+
+  const handleConfirm = (values: Record<string, string>) => {
+    if (modal?.type === 'add') {
+      addCategory({
+        id: generateId('cat'),
+        name: values.name || t('common.untitled'),
+        type: modal.catType,
+        linkedAccount: values.linkedAccount || 'Expenses:Uncategorized',
+        keywords: values.keywords ? values.keywords.split(/[,，\s]+/).filter(Boolean) : [],
+      });
+    } else if (modal?.type === 'edit') {
+      updateCategory(modal.category.id, {
+        name: values.name || modal.category.name,
+        linkedAccount: values.linkedAccount || modal.category.linkedAccount,
+        keywords: values.keywords ? values.keywords.split(/[,，\s]+/).filter(Boolean) : [],
+      });
+    }
+    setModal(null);
+  };
+
+  const renderRow = (cat: Category) => (
+    <Pressable
+      key={cat.id}
+      onPress={() => setModal({ type: 'edit', category: cat })}
+      onLongPress={() => handleDelete(cat)}
+      style={({ pressed }) => [styles.row, { borderTopColor: theme.colors.divider, opacity: pressed ? 0.6 : 1 }]}
+    >
+      <View style={{ flex: 1 }}>
+        <Text style={[theme.typography.body, { color: theme.colors.fgPrimary }]}>{cat.name}</Text>
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{cat.linkedAccount}</Text>
+        {cat.keywords.length > 0 && (
+          <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 2 }]}>
+            {t('category.keywordsLabel')}: {cat.keywords.join(', ')}
+          </Text>
+        )}
+      </View>
+      <Ionicons name="chevron-forward" size={18} color={theme.colors.fgSecondary} />
+    </Pressable>
+  );
+
+  const editFields: FormField[] = modal?.type === 'edit' ? [
+    { key: 'name', label: t('category.fieldName'), placeholder: t('category.namePlaceholder'), defaultValue: modal.category.name },
+    { key: 'linkedAccount', label: t('category.fieldLinkedAccount'), placeholder: t('category.accountPlaceholder'), defaultValue: modal.category.linkedAccount },
+    { key: 'keywords', label: t('category.fieldKeywords'), placeholder: t('category.keywordsPlaceholder'), defaultValue: modal.category.keywords.join(', ') },
+  ] : [];
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}><Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} /></Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>{t('category.title')}</Text>
+      </View>
+      <ScrollView contentContainerStyle={styles.content}>
+        <Card title={t('category.expense')}>
+          <Pressable onPress={() => setModal({ type: 'add', catType: 'expense' })} style={styles.addBtn}>
+            <Ionicons name="add-circle" size={20} color={theme.colors.accent} />
+            <Text style={[theme.typography.body, { color: theme.colors.accent, marginLeft: 6 }]}>{t('category.addExpense')}</Text>
+          </Pressable>
+          {expenseCats.map(renderRow)}
+        </Card>
+        <Card title={t('category.income')}>
+          <Pressable onPress={() => setModal({ type: 'add', catType: 'income' })} style={styles.addBtn}>
+            <Ionicons name="add-circle" size={20} color={theme.colors.accent} />
+            <Text style={[theme.typography.body, { color: theme.colors.accent, marginLeft: 6 }]}>{t('category.addIncome')}</Text>
+          </Pressable>
+          {incomeCats.map(renderRow)}
+        </Card>
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 8 }]}>
+          {t('common.clickEditLongDelete')}
+        </Text>
+      </ScrollView>
+
+      <FormModal
+        visible={modal !== null}
+        title={modal?.type === 'edit' ? t('category.editTitle') : t('category.addTitle', { type: modal?.catType === 'income' ? t('category.income') : t('category.expense') })}
+        fields={modal?.type === 'edit' ? editFields : [
+          { key: 'name', label: t('category.fieldName'), placeholder: t('category.namePlaceholder') },
+          { key: 'linkedAccount', label: t('category.fieldLinkedAccount'), placeholder: t('category.accountPlaceholder') },
+          { key: 'keywords', label: t('category.fieldKeywords'), placeholder: t('category.keywordsPlaceholder') },
+        ]}
+        onConfirm={handleConfirm}
+        onCancel={() => setModal(null)}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, gap: 12 },
+  row: { flexDirection: 'row', alignItems: 'center', borderTopWidth: 1, paddingTop: 10 },
+  addBtn: { flexDirection: 'row', alignItems: 'center', paddingBottom: 10 },
+});
--- a/src/app/credit-card/index.tsx
+++ b/src/app/credit-card/index.tsx
@ -0,0 +1,180 @@
+/**
+ * 信用卡管理页面（plan.md「1.1 credit-card/index」+ 决策 1 双轨制）。
+ *
+ * 功能：信用卡列表(银行/尾号/账单日/还款日/额度) + 添加/编辑/删除。
+ * linkedAccount 映射到 Beancount 的 Liabilities 账户。
+ */
+import React, { useState } from 'react';
+import { Alert, Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useMetadataStore, generateId } from '../../store/metadataStore';
+import { useLedgerStore } from '../../store/ledgerStore';
+import { useT } from '../../i18n';
+import { Card } from '../../components/Card';
+import { FormModal, type FormField } from '../../components/FormModal';
+import type { CreditCard } from '../../domain/creditCards';
+import { calculateBillingPeriod, calculateStatementAmount, calculateAvailableCredit } from '../../domain/creditCards';
+
+type ModalMode = { type: 'add' } | { type: 'edit'; card: CreditCard } | null;
+
+export default function CreditCardScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  const creditCards = useMetadataStore(s => s.creditCards);
+  const addCreditCard = useMetadataStore(s => s.addCreditCard);
+  const updateCreditCard = useMetadataStore(s => s.updateCreditCard);
+  const removeCreditCard = useMetadataStore(s => s.removeCreditCard);
+
+  const ledger = useLedgerStore(s => s.ledger);
+  const transactions = ledger?.transactions ?? [];
+
+  const [modal, setModal] = useState<ModalMode>(null);
+
+  /** 计算某账户的当前余额（从交易过账汇总）。 */
+  const getAccountBalance = (account: string): string => {
+    let balance = 0;
+    for (const tx of transactions) {
+      for (const p of tx.postings) {
+        if (p.account === account && p.amount) {
+          balance += parseFloat(p.amount);
+        }
+      }
+    }
+    return String(balance.toFixed(2));
+  };
+
+  const handleDelete = (card: CreditCard) => {
+    Alert.alert(t('creditCard.deleteTitle'), t('creditCard.deleteConfirm', { name: card.name }), [
+      { text: t('common.cancel'), style: 'cancel' },
+      { text: t('common.delete'), style: 'destructive', onPress: () => removeCreditCard(card.id) },
+    ]);
+  };
+
+  const handleConfirm = (values: Record<string, string>) => {
+    const card: Omit<CreditCard, 'id'> = {
+      name: values.name?.trim() || t('creditCard.unnamed'),
+      lastFour: values.lastFour?.trim() || '0000',
+      bankName: values.bankName?.trim() || 'UNKNOWN',
+      billingDay: parseInt(values.billingDay, 10) || 1,
+      paymentDay: parseInt(values.paymentDay, 10) || 1,
+      creditLimit: values.creditLimit?.trim() || '0',
+      currency: values.currency?.trim() || 'CNY',
+      linkedAccount: values.linkedAccount?.trim() || 'Liabilities:CreditCard',
+    };
+    if (modal?.type === 'add') {
+      addCreditCard({ ...card, id: generateId('cc') });
+    } else if (modal?.type === 'edit') {
+      updateCreditCard(modal.card.id, card);
+    }
+    setModal(null);
+  };
+
+  const fieldsFor = (card?: CreditCard): FormField[] => [
+    { key: 'name', label: t('creditCard.fieldName'), placeholder: '招行信用卡', defaultValue: card?.name },
+    { key: 'bankName', label: t('creditCard.fieldBank'), placeholder: 'CMB', defaultValue: card?.bankName },
+    { key: 'lastFour', label: t('creditCard.fieldLastFour'), placeholder: '1234', defaultValue: card?.lastFour, keyboardType: 'numeric' },
+    { key: 'billingDay', label: t('creditCard.fieldBillingDay'), placeholder: '5', defaultValue: card ? String(card.billingDay) : '', keyboardType: 'numeric' },
+    { key: 'paymentDay', label: t('creditCard.fieldPaymentDay'), placeholder: '25', defaultValue: card ? String(card.paymentDay) : '', keyboardType: 'numeric' },
+    { key: 'creditLimit', label: t('creditCard.fieldLimit'), placeholder: '10000', defaultValue: card?.creditLimit, keyboardType: 'decimal-pad' },
+    { key: 'currency', label: t('creditCard.fieldCurrency'), placeholder: 'CNY', defaultValue: card?.currency },
+    { key: 'linkedAccount', label: t('creditCard.fieldLinkedAccount'), placeholder: 'Liabilities:CreditCard:CMB', defaultValue: card?.linkedAccount },
+  ];
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}><Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} /></Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>{t('creditCard.title')}</Text>
+      </View>
+      <ScrollView contentContainerStyle={styles.content}>
+        <Pressable onPress={() => setModal({ type: 'add' })} style={styles.addBtn}>
+          <Ionicons name="add-circle" size={20} color={theme.colors.accent} />
+          <Text style={[theme.typography.body, { color: theme.colors.accent, marginLeft: 6 }]}>{t('creditCard.add')}</Text>
+        </Pressable>
+        {creditCards.map(card => {
+          const period = calculateBillingPeriod(card, new Date());
+          const statementAmount = calculateStatementAmount(transactions, card, period);
+          const currentBalance = getAccountBalance(card.linkedAccount);
+          const availableCredit = calculateAvailableCredit(card, currentBalance);
+          return (
+            <Pressable
+              key={card.id}
+              onPress={() => setModal({ type: 'edit', card })}
+              onLongPress={() => handleDelete(card)}
+            >
+              <Card title={card.name}>
+                <View style={styles.infoRow}>
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('creditCard.labelBank')}</Text>
+                  <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>{card.bankName} ({card.lastFour})</Text>
+                </View>
+                <View style={styles.infoRow}>
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('creditCard.labelBillingDay')}</Text>
+                  <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>{card.billingDay} {t('creditCard.daySuffix')}</Text>
+                </View>
+                <View style={styles.infoRow}>
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('creditCard.labelPaymentDay')}</Text>
+                  <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>{card.paymentDay} {t('creditCard.daySuffix')}</Text>
+                </View>
+                <View style={styles.infoRow}>
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('creditCard.labelLimit')}</Text>
+                  <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>{card.creditLimit} {card.currency}</Text>
+                </View>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 4 }]}>{card.linkedAccount}</Text>
+
+                {/* 账单周期与应还 */}
+                <View style={[styles.billingBox, { borderColor: theme.colors.divider }]}>
+                  <View style={styles.infoRow}>
+                    <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('creditCard.billingPeriod')}</Text>
+                    <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>{period.periodStart} ~ {period.periodEnd}</Text>
+                  </View>
+                  <View style={styles.infoRow}>
+                    <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('creditCard.dueDate')}</Text>
+                    <Text style={[theme.typography.bodySmall, { color: theme.colors.error }]}>{period.dueDate}</Text>
+                  </View>
+                  <View style={styles.infoRow}>
+                    <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('creditCard.statementAmount')}</Text>
+                    <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary, fontWeight: '700' }]}>{statementAmount} {card.currency}</Text>
+                  </View>
+                  <View style={styles.infoRow}>
+                    <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('creditCard.availableCredit')}</Text>
+                    <Text style={[theme.typography.bodySmall, { color: theme.colors.accent }]}>{availableCredit} {card.currency}</Text>
+                  </View>
+                </View>
+              </Card>
+            </Pressable>
+          );
+        })}
+        {creditCards.length === 0 && (
+          <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 20 }]}>
+            {t('creditCard.empty')}
+          </Text>
+        )}
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 8 }]}>
+          {t('common.clickEditLongDelete')}
+        </Text>
+      </ScrollView>
+
+      <FormModal
+        visible={modal !== null}
+        title={modal?.type === 'edit' ? t('creditCard.editTitle') : t('creditCard.add')}
+        fields={fieldsFor(modal?.type === 'edit' ? modal.card : undefined)}
+        onConfirm={handleConfirm}
+        onCancel={() => setModal(null)}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, gap: 12 },
+  addBtn: { flexDirection: 'row', alignItems: 'center' },
+  infoRow: { flexDirection: 'row', justifyContent: 'space-between', paddingVertical: 4 },
+  billingBox: { marginTop: 8, padding: 8, borderRadius: 6, borderWidth: 1 },
+});
--- a/src/app/import/index.tsx
+++ b/src/app/import/index.tsx
@ -0,0 +1,399 @@
+import React, { useState } from 'react';
+import { FlatList, StyleSheet, Text, View, Pressable, Alert } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import * as DocumentPicker from 'expo-document-picker';
+import * as FileSystem from 'expo-file-system/legacy';
+import * as XLSX from 'xlsx';
+// @ts-ignore
+const GbkTextDecoder = (() => {
+  // @ts-ignore
+  const origDecoder = global.TextDecoder;
+  // @ts-ignore
+  const origEncoder = global.TextEncoder;
+  // @ts-ignore
+  global.TextDecoder = undefined;
+  // @ts-ignore
+  global.TextEncoder = undefined;
+  const dec = require('text-encoding-gbk').TextDecoder;
+  // @ts-ignore
+  global.TextDecoder = origDecoder;
+  // @ts-ignore
+  global.TextEncoder = origEncoder;
+  return dec;
+})();
+import { useLedgerStore } from '../../store/ledgerStore';
+import { useImportStore } from '../../store/importStore';
+import { useMetadataStore } from '../../store/metadataStore';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { Card } from '../../components/Card';
+import { Button } from '../../components/Button';
+import { DedupBanner } from '../../components/DedupBanner';
+import { classifyWithCategories } from '../../domain/rules';
+import { validateTransaction } from '../../domain/ledger';
+import type { ImportedEvent } from '../../domain/types';
+
+
+// 纯 JS 实现 Base64 解码为字节数组
+function base64ToBytes(base64: string): Uint8Array {
+  const chars = 'ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz0123456789+/';
+  const lookup = new Uint8Array(256);
+  for (let i = 0; i < chars.length; i++) {
+    lookup[chars.charCodeAt(i)] = i;
+  }
+  let bufferLength = base64.length * 0.75;
+  if (base64[base64.length - 1] === '=') {
+    bufferLength--;
+    if (base64[base64.length - 2] === '=') {
+      bufferLength--;
+    }
+  }
+  const bytes = new Uint8Array(bufferLength);
+  let p = 0;
+  for (let i = 0; i < base64.length; i += 4) {
+    const base64code1 = lookup[base64.charCodeAt(i)];
+    const base64code2 = lookup[base64.charCodeAt(i + 1)];
+    const base64code3 = lookup[base64.charCodeAt(i + 2)];
+    const base64code4 = lookup[base64.charCodeAt(i + 3)];
+    bytes[p++] = (base64code1 << 2) | (base64code2 >> 4);
+    if (p < bufferLength) bytes[p++] = ((base64code2 & 15) << 4) | (base64code3 >> 2);
+    if (p < bufferLength) bytes[p++] = ((base64code3 & 3) << 6) | (base64code4 & 63);
+  }
+  return bytes;
+}
+
+export default function ImportScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+  const ledger = useLedgerStore(s => s.ledger);
+  const addTransaction = useLedgerStore(s => s.addTransaction);
+  const autoOpenAccounts = useLedgerStore(s => s.autoOpenAccounts);
+  const events = useImportStore(s => s.events);
+  const pendingDrafts = useImportStore(s => s.pendingDrafts);
+  const lastResult = useImportStore(s => s.lastResult);
+  const importCsv = useImportStore(s => s.importCsv);
+  const processEvents = useImportStore(s => s.process);
+  const confirmDraft = useImportStore(s => s.confirmDraft);
+  const confirmDrafts = useImportStore(s => s.confirmDrafts);
+  const [status, setStatus] = useState('');
+  
+  // 疑似重复账单交互状态
+  const [manualDuplicates, setManualDuplicates] = useState<ImportedEvent[]>([]);
+  const [showDuplicates, setShowDuplicates] = useState(false);
+
+
+  const handleSelectFile = async () => {
+    try {
+      const res = await DocumentPicker.getDocumentAsync({
+        type: '*/*', // 允许所有类型，防部分手机系统限制
+        copyToCacheDirectory: true,
+      });
+      if (res.canceled) return;
+      
+      const file = res.assets[0];
+      const isExcel = file.name.toLowerCase().endsWith('.xlsx') || file.name.toLowerCase().endsWith('.xls');
+
+      // 1. 读取为 Base64 以保证字节完整
+      const base64 = await FileSystem.readAsStringAsync(file.uri, {
+        encoding: FileSystem.EncodingType.Base64,
+      });
+
+      let content = '';
+
+      if (isExcel) {
+        // 2a. Excel 格式：直接使用 xlsx 库解析并转换为内存中的 CSV 字符串
+        const workbook = XLSX.read(base64, { type: 'base64' });
+        const firstSheetName = workbook.SheetNames[0];
+        const worksheet = workbook.Sheets[firstSheetName];
+        content = XLSX.utils.sheet_to_csv(worksheet);
+      } else {
+        // 2b. 解码为 Uint8Array 进行 CSV 文本处理
+        const bytes = base64ToBytes(base64);
+
+        // 3. 编码自适应解码：优先尝试 UTF-8，若出错则回退至中文 GBK
+        try {
+          const utf8Decoder = new TextDecoder('utf-8', { fatal: true });
+          content = utf8Decoder.decode(bytes);
+        } catch (e) {
+          // UTF-8 校验失败，回退到国标 GBK 解码（利用 text-encoding-gbk 保证 Hermes 兼容）
+          try {
+            const gbkDecoder = new GbkTextDecoder('gbk');
+            content = gbkDecoder.decode(bytes);
+          } catch (err) {
+            throw new Error(t('importFlow.decodeFail', { error: err instanceof Error ? err.message : String(err) }));
+          }
+        }
+      }
+
+      // 4. 自适应解析通道：根据文件名或内容关键字区分微信/支付宝
+      const isWeChat = file.name.includes('微信') || file.name.toLowerCase().includes('wechat') || content.includes('微信支付');
+      const adapter = isWeChat ? 'wechat-csv-v1' : 'alipay-csv-v1';
+
+      // 5. 导入数据并清空历史状态
+      importCsv(content, adapter);
+      setManualDuplicates([]);
+      setStatus(t('importFlow.importSuccess', {
+        format: isExcel ? t('importFlow.formatExcel') : t('importFlow.formatCsv'),
+        name: file.name,
+      }));
+
+      // 6. 自动执行 Pipeline，用户无需手动查找运行按钮
+      if (ledger) {
+        setStatus(t('importFlow.pipelineRunning'));
+        processEvents(ledger, []).then(result => {
+          setManualDuplicates(result.duplicates);
+          setStatus(t('importFlow.pipelineDone', { drafts: result.drafts.length, duplicates: result.duplicates.length }));
+        }).catch(e => {
+          setStatus(t('importFlow.pipelineFail', { error: String(e) }));
+        });
+      }
+    } catch (e) {
+      setStatus(t('importFlow.pickFail', { error: e instanceof Error ? e.message : String(e) }));
+      Alert.alert(t('importFlow.importFailTitle'), e instanceof Error ? e.message : String(e));
+    }
+  };
+
+  const runPipeline = () => {
+    if (!ledger) return;
+    processEvents(ledger, []).then(result => {
+      setManualDuplicates(result.duplicates);
+      setStatus(t('importFlow.processed', { drafts: result.drafts.length, duplicates: result.duplicates.length, transfers: result.transferCount }));
+    }).catch(e => setStatus(String(e)));
+  };
+
+  const onConfirm = async (index: number) => {
+    if (!ledger) return;
+    const item = pendingDrafts[index];
+    if (!item) return;
+    try {
+      // 自动开户：收集所有草稿中的账户，检查哪些未 open
+      const currentLedger = useLedgerStore.getState().ledger!;
+      const unopened = item.draft.postings
+        .map(p => p.account)
+        .filter(acc => !currentLedger.accounts.has(acc));
+      if (unopened.length > 0) {
+        await autoOpenAccounts(unopened);
+      }
+      await addTransaction(item.draft);
+      confirmDraft(index);
+      setStatus(t('importFlow.confirmed'));
+    } catch (e) {
+      const errStr = e instanceof Error ? e.message : String(e);
+      setStatus(t('importFlow.commitFail', { error: errStr }));
+      Alert.alert(t('importFlow.commitFailTitle'), errStr);
+    }
+  };
+
+  const onConfirmAll = async () => {
+    const currentLedger = useLedgerStore.getState().ledger;
+    if (!currentLedger || pendingDrafts.length === 0) return;
+    setStatus(t('importFlow.batchPreparing'));
+
+    // 1. 收集所有草稿中引用的账户，静默自动开户
+    const allAccounts = new Set<string>();
+    for (const item of pendingDrafts) {
+      for (const posting of item.draft.postings) {
+        allAccounts.add(posting.account);
+      }
+    }
+    const unopened = Array.from(allAccounts).filter(acc => !currentLedger.accounts.has(acc));
+    if (unopened.length > 0) {
+      try {
+        await autoOpenAccounts(unopened);
+      } catch (err) {
+        setStatus(t('importFlow.autoOpenFail', { error: err instanceof Error ? err.message : String(err) }));
+        Alert.alert(t('importFlow.autoOpenFailTitle'), err instanceof Error ? err.message : String(err));
+        return;
+      }
+    }
+
+    // 2. 重新获取 ledger（开户后已更新），再次校验
+    const updatedLedger = useLedgerStore.getState().ledger!;
+    const validIndices: number[] = [];
+    const validDrafts: typeof pendingDrafts = [];
+    const failedPayees: string[] = [];
+
+    for (let i = 0; i < pendingDrafts.length; i++) {
+      const item = pendingDrafts[i];
+      const validation = validateTransaction(item.draft, updatedLedger);
+      if (validation.valid) {
+        validIndices.push(i);
+        validDrafts.push(item);
+      } else {
+        failedPayees.push(`${item.draft.payee || item.draft.narration || t('common.untitled')}: ${validation.errors.join('; ')}`);
+      }
+    }
+
+    // 3. 执行真正的批量入账
+    if (validDrafts.length > 0) {
+      await commitBatch(validIndices, validDrafts, failedPayees);
+    } else if (failedPayees.length > 0) {
+      Alert.alert(t('importFlow.commitFailTitle'), t('importFlow.batchNoValid', { reasons: failedPayees.join('\n') }));
+    }
+  };
+
+  const commitBatch = async (indices: number[], drafts: typeof pendingDrafts, failedPayees: string[]) => {
+    try {
+      // 使用 ledgerStore 的 appendTransactionsBatch（在互斥锁内完成读取+拼接+写入）
+      const appendTransactionsBatch = useLedgerStore.getState().appendTransactionsBatch;
+      await appendTransactionsBatch(drafts.map(d => d.draft));
+
+      // 从待确认中批量移除
+      confirmDrafts(indices);
+
+      const successCount = drafts.length;
+      const failCount = pendingDrafts.length - successCount;
+
+      if (failCount === 0) {
+        setStatus(t('importFlow.batchAllSuccess', { count: successCount }));
+        Alert.alert(t('importFlow.confirmed'), t('importFlow.batchAllSuccess', { count: successCount }));
+      } else {
+        setStatus(t('importFlow.batchPartial', { success: successCount, fail: failCount }));
+        Alert.alert(
+          t('importFlow.batchResultTitle'),
+          t('importFlow.batchResultBody', { success: successCount, fail: failCount, reasons: failedPayees.join('\n') })
+        );
+      }
+    } catch (e) {
+      setStatus(t('importFlow.batchFail', { error: e instanceof Error ? e.message : String(e) }));
+      Alert.alert(t('importFlow.batchErrorTitle'), e instanceof Error ? e.message : String(e));
+    }
+  };
+
+  const handleAcceptDuplicate = async (event: ImportedEvent) => {
+    if (!ledger) return;
+    try {
+      const rules = useMetadataStore.getState().rules;
+      const categories = useMetadataStore.getState().categories;
+      const classification = classifyWithCategories(event, rules, categories, ledger);
+      await addTransaction(classification.draft);
+      setManualDuplicates(prev => prev.filter(ev => ev.id !== event.id));
+      setStatus(t('importFlow.forcedImport'));
+    } catch (err) {
+      setStatus(String(err));
+    }
+  };
+
+  const handleRejectDuplicate = (event: ImportedEvent) => {
+    setManualDuplicates(prev => prev.filter(ev => ev.id !== event.id));
+    setStatus(t('importFlow.ignored'));
+  };
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}>
+          <Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} />
+        </Pressable>
+        <Text style={[theme.typography.h1, { color: theme.colors.fgPrimary, marginLeft: 8 }]}>{t('tab.import')}</Text>
+      </View>
+      <FlatList
+        data={pendingDrafts}
+        keyExtractor={(item, index) => `${item.draft.sourceEventId || index}-${index}`}
+        renderItem={({ item, index }) => (
+          <Card title={`${item.draft.date} · ${item.isTransfer ? t('importFlow.transfer') : t('importFlow.trade')} · ${item.draft.postings[0]?.amount ?? ''}`}>
+            <Text style={[theme.typography.body, { color: theme.colors.fgPrimary }]}>{item.draft.narration}</Text>
+            <Text style={[theme.typography.bodySmall, styles.mono, { color: theme.colors.fgSecondary }]}>
+              {item.draft.postings.map(p => `${p.account} ${p.amount} ${p.currency ?? ''}`).join('\n')}
+            </Text>
+            {item.categoryFallbackReason && (
+              <Text style={[theme.typography.caption, { color: theme.colors.warning, marginTop: 4 }]}>
+                {t('importFlow.fallbackWarn', { reason: item.categoryFallbackReason })}
+              </Text>
+            )}
+            <View style={{ marginTop: 8 }}>
+              <Button label={t('importFlow.confirm')} onPress={() => onConfirm(index)} />
+            </View>
+          </Card>
+        )}
+        ListHeaderComponent={
+          <View style={{ gap: 12, marginBottom: 12 }}>
+            <Card title={t('importFlow.title')}>
+              <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginBottom: 12 }]}>
+                {t('importFlow.hint')}
+              </Text>
+              <View style={styles.buttonCol}>
+                <Button label={t('importFlow.selectFile')} onPress={handleSelectFile} />
+              </View>
+              {events.length > 0 && (
+                <View style={{ marginTop: 12, gap: 8 }}>
+                  <Button label={t('importFlow.processButton', { count: events.length })} onPress={runPipeline} variant="secondary" />
+                  {pendingDrafts.length > 0 && (
+                    <Button label={t('importFlow.confirmAll', { count: pendingDrafts.length })} onPress={onConfirmAll} variant="primary" />
+                  )}
+                </View>
+              )}
+              {lastResult && (
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 8 }]}>
+                  {t('importFlow.result', { drafts: lastResult.drafts.length, duplicates: lastResult.duplicates.length, transfers: lastResult.transferCount })}
+                </Text>
+              )}
+            </Card>
+
+            {/* 疑似重复账单展示面板 */}
+            {manualDuplicates.length > 0 && (
+              <Card title={t('importFlow.duplicatesTitle', { count: manualDuplicates.length })}>
+                <Pressable
+                  onPress={() => setShowDuplicates(!showDuplicates)}
+                  style={styles.collapseHeader}
+                >
+                  <Text style={[theme.typography.bodySmall, { color: theme.colors.accent, fontWeight: '700' }]}>
+                    {showDuplicates ? t('importFlow.collapseList') : t('importFlow.expandDuplicates')}
+                  </Text>
+                  <Ionicons name={showDuplicates ? 'chevron-up' : 'chevron-down'} size={16} color={theme.colors.accent} />
+                </Pressable>
+
+                {showDuplicates && (
+                  <View style={styles.duplicatesList}>
+                    {manualDuplicates.map((item) => {
+                      const result = {
+                        isDuplicate: true,
+                        confidence: 'medium' as const,
+                        reason: t('importFlow.duplicateReason', { date: item.occurredAt, payee: item.counterparty || t('importFlow.unknownPayee') })
+                      };
+                      return (
+                        <Card key={item.id} title={`${item.occurredAt} · ${item.counterparty}`}>
+                          <Text style={[theme.typography.body, { color: theme.colors.fgPrimary }]}>
+                            {item.memo || t('importFlow.noDesc')}
+                          </Text>
+                          <Text style={[theme.typography.bodySmall, { color: theme.colors.fgSecondary }]}>
+                            {t('importFlow.duplicateAmount', { amount: item.amount, currency: item.currency })}
+                          </Text>
+                          <DedupBanner 
+                            result={result} 
+                            onAccept={() => handleAcceptDuplicate(item)} 
+                            onReject={() => handleRejectDuplicate(item)} 
+                          />
+                        </Card>
+                      );
+                    })}
+                  </View>
+                )}
+              </Card>
+            )}
+          </View>
+        }
+        ListFooterComponent={
+          status ? <Text style={[theme.typography.bodySmall, { color: theme.colors.fgSecondary, textAlign: 'center', marginVertical: 20 }]}>{status}</Text> : null
+        }
+        contentContainerStyle={styles.content}
+        initialNumToRender={10}
+        maxToRenderPerBatch={10}
+        windowSize={5}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, paddingBottom: 64 },
+  buttonCol: { gap: 8, marginTop: 4 },
+  mono: { fontFamily: 'monospace', lineHeight: 20, marginTop: 8 },
+  collapseHeader: { flexDirection: 'row', alignItems: 'center', justifyContent: 'space-between', paddingVertical: 8 },
+  duplicatesList: { gap: 12, marginTop: 8 },
+});
--- a/src/app/recurring/index.tsx
+++ b/src/app/recurring/index.tsx
@ -0,0 +1,191 @@
+import React, { useState } from 'react';
+import { Alert, Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { useMetadataStore, generateId } from '../../store/metadataStore';
+import { Card } from '../../components/Card';
+import { FormModal, type FormField } from '../../components/FormModal';
+import type { RecurringTransaction } from '../../domain/recurring';
+
+type ModalMode = { type: 'add' } | { type: 'edit'; item: RecurringTransaction } | null;
+
+export default function RecurringScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  const recurringTransactions = useMetadataStore(s => s.recurringTransactions);
+  const addRecurring = useMetadataStore(s => s.addRecurringTransaction);
+  const updateRecurring = useMetadataStore(s => s.updateRecurringTransaction);
+  const removeRecurring = useMetadataStore(s => s.removeRecurringTransaction);
+
+  const [modal, setModal] = useState<ModalMode>(null);
+
+  const handleDelete = (item: RecurringTransaction) => {
+    Alert.alert(t('recurring.deleteTitle'), t('recurring.deleteConfirm', { name: item.name }), [
+      { text: t('common.cancel'), style: 'cancel' },
+      {
+        text: t('common.delete'),
+        style: 'destructive',
+        onPress: () => removeRecurring(item.id),
+      },
+    ]);
+  };
+
+  const handleConfirm = (values: Record<string, string>) => {
+    const nameVal = values.name?.trim();
+    const fromAccount = values.fromAccount?.trim();
+    const toAccount = values.toAccount?.trim();
+    const amountVal = values.amount?.trim();
+    const freq = (values.frequency?.trim() || 'monthly') as any;
+    const dateVal = values.nextDueDate?.trim() || new Date().toISOString().slice(0, 10);
+
+    if (!nameVal || !fromAccount || !toAccount || !amountVal) {
+      Alert.alert(t('recurring.inputError'), t('recurring.inputErrorDesc'));
+      return;
+    }
+
+    const draft = {
+      date: dateVal,
+      narration: nameVal,
+      postings: [
+        { account: fromAccount, amount: `-${amountVal}`, currency: 'CNY' },
+        { account: toAccount, amount: amountVal, currency: 'CNY' },
+      ],
+    };
+
+    if (modal?.type === 'add') {
+      addRecurring({
+        id: 'rec_' + generateId(),
+        name: nameVal,
+        draft,
+        frequency: freq,
+        interval: 1,
+        nextDueDate: dateVal,
+        enabled: true,
+      });
+      setModal(null);
+      Alert.alert(t('recurring.addSuccess'), t('recurring.addSuccessDesc', { name: nameVal }));
+    } else if (modal?.type === 'edit') {
+      updateRecurring(modal.item.id, {
+        name: nameVal,
+        draft,
+        frequency: freq,
+        nextDueDate: dateVal,
+      });
+      setModal(null);
+      Alert.alert(t('recurring.editSuccess'), t('recurring.editSuccessDesc', { name: nameVal }));
+    }
+  };
+
+  const fieldsFor = (item?: RecurringTransaction): FormField[] => [
+    { key: 'name', label: t('recurring.fieldName'), placeholder: t('recurring.fieldNamePlaceholder'), defaultValue: item?.name },
+    { key: 'fromAccount', label: t('recurring.fieldFromAccount'), placeholder: '例如: Assets:支付宝余额', defaultValue: item?.draft.postings[0]?.account?.replace(/^-/, '') || 'Assets:支付宝余额' },
+    { key: 'toAccount', label: t('recurring.fieldToAccount'), placeholder: '例如: Expenses:Shopping', defaultValue: item?.draft.postings[1]?.account || 'Expenses:Shopping' },
+    { key: 'amount', label: t('recurring.fieldAmount'), placeholder: '例如: 6.00', defaultValue: item?.draft.postings[1]?.amount },
+    { key: 'frequency', label: t('recurring.fieldFrequency'), placeholder: 'monthly', defaultValue: item?.frequency || 'monthly' },
+    { key: 'nextDueDate', label: t('recurring.fieldNextDue'), placeholder: 'YYYY-MM-DD', defaultValue: item?.nextDueDate || new Date().toISOString().slice(0, 10) },
+  ];
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}>
+          <Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} />
+        </Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>
+          {t('recurring.title')}
+        </Text>
+      </View>
+
+      <ScrollView contentContainerStyle={styles.content}>
+        <Pressable onPress={() => setModal({ type: 'add' })} style={styles.addBtn}>
+          <Ionicons name="add-circle" size={20} color={theme.colors.accent} />
+          <Text style={[theme.typography.body, { color: theme.colors.accent, marginLeft: 6 }]}>
+            {t('recurring.add')}
+          </Text>
+        </Pressable>
+
+        {recurringTransactions.map(item => {
+          const amount = item.draft.postings[1]?.amount || '0.00';
+          const fromAcc = item.draft.postings[0]?.account || '';
+          const toAcc = item.draft.postings[1]?.account || '';
+
+          return (
+            <Card key={item.id} title={item.name}>
+              <View style={styles.infoRow}>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('recurring.frequency')}</Text>
+                <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>
+                  {item.frequency === 'monthly' ? t('recurring.freqMonthly') : item.frequency === 'weekly' ? t('recurring.freqWeekly') : item.frequency === 'yearly' ? t('recurring.freqYearly') : t('recurring.freqDaily')}
+                </Text>
+              </View>
+              <View style={styles.infoRow}>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('recurring.nextDue')}</Text>
+                <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>{item.nextDueDate}</Text>
+              </View>
+              <View style={styles.infoRow}>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('recurring.flow')}</Text>
+                <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>
+                  {fromAcc.split(':').pop()} ➔ {toAcc.split(':').pop()}
+                </Text>
+              </View>
+              <View style={styles.infoRow}>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('recurring.perAmount')}</Text>
+                <Text style={[theme.typography.body, { color: theme.colors.financial.expense, fontWeight: '700' }]}>{amount} CNY</Text>
+              </View>
+
+              <View style={styles.cardActions}>
+                <Pressable
+                  onPress={() => setModal({ type: 'edit', item })}
+                  style={[styles.actionBtn, { borderColor: theme.colors.border, marginRight: 8 }]}
+                >
+                  <Ionicons name="create-outline" size={14} color={theme.colors.accent} />
+                  <Text style={[theme.typography.caption, { color: theme.colors.accent, marginLeft: 4 }]}>
+                    {t('recurring.edit')}
+                  </Text>
+                </Pressable>
+                <Pressable
+                  onPress={() => handleDelete(item)}
+                  style={[styles.closeBtn, { borderColor: theme.colors.border }]}
+                >
+                  <Ionicons name="trash-outline" size={14} color={theme.colors.error} />
+                  <Text style={[theme.typography.caption, { color: theme.colors.error, marginLeft: 4 }]}>
+                    {t('recurring.delete')}
+                  </Text>
+                </Pressable>
+              </View>
+            </Card>
+          );
+        })}
+
+        {recurringTransactions.length === 0 && (
+          <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 40 }]}>
+            {t('recurring.empty')}
+          </Text>
+        )}
+      </ScrollView>
+
+      <FormModal
+        visible={modal !== null}
+        title={modal?.type === 'edit' ? t('recurring.editTitle') : t('recurring.addTitle')}
+        fields={fieldsFor(modal?.type === 'edit' ? modal.item : undefined)}
+        onConfirm={handleConfirm}
+        onCancel={() => setModal(null)}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, gap: 12 },
+  addBtn: { flexDirection: 'row', alignItems: 'center', marginBottom: 8 },
+  infoRow: { flexDirection: 'row', justifyContent: 'space-between', paddingVertical: 4, alignItems: 'center' },
+  cardActions: { flexDirection: 'row', justifyContent: 'flex-end', marginTop: 8 },
+  actionBtn: { flexDirection: 'row', alignItems: 'center', borderWidth: 1, borderRadius: 4, paddingHorizontal: 8, paddingVertical: 4 },
+  closeBtn: { flexDirection: 'row', alignItems: 'center', borderWidth: 1, borderRadius: 4, paddingHorizontal: 8, paddingVertical: 4 },
+});
--- a/src/app/remark-template/index.tsx
+++ b/src/app/remark-template/index.tsx
@ -0,0 +1,106 @@
+/**
+ * 备注模板管理页面。
+ * 模板用 ${placeholder} 语法，导入账单时自动填充。
+ */
+import React, { useState } from 'react';
+import { Alert, Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { useMetadataStore, generateId } from '../../store/metadataStore';
+import { Card } from '../../components/Card';
+import { FormModal, type FormField } from '../../components/FormModal';
+
+type ModalMode = { type: 'add' } | { type: 'edit'; tpl: { id: string; name: string; template: string } } | null;
+
+export default function RemarkTemplateScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  const templates = useMetadataStore(s => s.remarkTemplates);
+  const addTemplate = useMetadataStore(s => s.addRemarkTemplate);
+  const updateTemplate = useMetadataStore(s => s.updateRemarkTemplate);
+  const removeTemplate = useMetadataStore(s => s.removeRemarkTemplate);
+
+  const [modal, setModal] = useState<ModalMode>(null);
+
+  const handleDelete = (tpl: { id: string; name: string }) => {
+    Alert.alert(t('remark.deleteTitle'), t('remark.deleteConfirm', { name: tpl.name }), [
+      { text: t('common.cancel'), style: 'cancel' },
+      { text: t('common.delete'), style: 'destructive', onPress: () => removeTemplate(tpl.id) },
+    ]);
+  };
+
+  const handleConfirm = (values: Record<string, string>) => {
+    const name = values.name?.trim() || t('common.untitled');
+    const template = values.template?.trim() || '';
+    if (modal?.type === 'add') {
+      addTemplate({ id: generateId('tpl'), name, template });
+    } else if (modal?.type === 'edit') {
+      updateTemplate(modal.tpl.id, { name, template });
+    }
+    setModal(null);
+  };
+
+  const editFields: FormField[] = modal?.type === 'edit' ? [
+    { key: 'name', label: t('remark.fieldName'), placeholder: '日常餐饮', defaultValue: modal.tpl.name },
+    { key: 'template', label: t('remark.fieldTemplate'), placeholder: '${counterparty} ${time}', defaultValue: modal.tpl.template },
+  ] : [];
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}><Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} /></Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>{t('remark.title')}</Text>
+      </View>
+      <ScrollView contentContainerStyle={styles.content}>
+        <Pressable onPress={() => setModal({ type: 'add' })} style={styles.addBtn}>
+          <Ionicons name="add-circle" size={20} color={theme.colors.accent} />
+          <Text style={[theme.typography.body, { color: theme.colors.accent, marginLeft: 6 }]}>{t('remark.add')}</Text>
+        </Pressable>
+        {templates.map(tpl => (
+          <Pressable
+            key={tpl.id}
+            onPress={() => setModal({ type: 'edit', tpl })}
+            onLongPress={() => handleDelete(tpl)}
+          >
+            <Card title={tpl.name}>
+              <Text style={[theme.typography.bodySmall, { color: theme.colors.fgSecondary, fontFamily: 'monospace' }]}>
+                {tpl.template}
+              </Text>
+            </Card>
+          </Pressable>
+        ))}
+        {templates.length === 0 && (
+          <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 20 }]}>
+            {t('remark.empty')}
+          </Text>
+        )}
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 8 }]}>
+          {t('common.clickEditLongDelete')}
+        </Text>
+      </ScrollView>
+
+      <FormModal
+        visible={modal !== null}
+        title={modal?.type === 'edit' ? t('remark.editTitle') : t('remark.add')}
+        fields={modal?.type === 'edit' ? editFields : [
+          { key: 'name', label: t('remark.fieldName'), placeholder: '日常餐饮' },
+          { key: 'template', label: t('remark.fieldTemplate'), placeholder: '${counterparty} ${time}' },
+        ]}
+        onConfirm={handleConfirm}
+        onCancel={() => setModal(null)}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, gap: 12 },
+  addBtn: { flexDirection: 'row', alignItems: 'center', marginBottom: 4 },
+});
--- a/src/app/rules/index.tsx
+++ b/src/app/rules/index.tsx
@ -0,0 +1,143 @@
+/**
+ * 规则管理页面（plan.md「1.1 rules」+ 自动分类规则）。
+ *
+ * 功能：规则列表(匹配条件 → 分类账户) + 添加/编辑/删除。
+ * 规则用于 BillPipeline 的自动分类(参考 AutoAccounting RuleGenerator)。
+ */
+import React, { useState } from 'react';
+import { Alert, Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { useMetadataStore, generateId } from '../../store/metadataStore';
+import { Card } from '../../components/Card';
+import { FormModal, type FormField } from '../../components/FormModal';
+import type { Rule } from '../../domain/types';
+
+type ModalMode = { type: 'add' } | { type: 'edit'; rule: Rule } | null;
+
+export default function RulesScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  const rules = useMetadataStore(s => s.rules);
+  const addRule = useMetadataStore(s => s.addRule);
+  const updateRule = useMetadataStore(s => s.updateRule);
+  const removeRule = useMetadataStore(s => s.removeRule);
+
+  const [modal, setModal] = useState<ModalMode>(null);
+
+  // 按 priority 降序排列
+  const sorted = [...rules].sort((a, b) => b.priority - a.priority);
+
+  const handleDelete = (rule: Rule) => {
+    Alert.alert(t('rules.deleteTitle'), t('rules.deleteConfirm', { name: rule.id }), [
+      { text: t('common.cancel'), style: 'cancel' },
+      { text: t('common.delete'), style: 'destructive', onPress: () => removeRule(rule.id) },
+    ]);
+  };
+
+  const handleConfirm = (values: Record<string, string>) => {
+    const rule: Omit<Rule, 'id' | 'hits'> = {
+      priority: parseInt(values.priority, 10) || 0,
+      counterpartyContains: values.counterpartyContains?.trim() || undefined,
+      memoContains: values.memoContains?.trim() || undefined,
+      sourceAccount: values.sourceAccount?.trim() || 'Assets:Unknown',
+      categoryAccount: values.categoryAccount?.trim() || 'Expenses:Uncategorized',
+      narration: values.narration?.trim() || undefined,
+      tags: values.tags ? values.tags.split(/[,，\s]+/).filter(Boolean) : [],
+    };
+    if (modal?.type === 'add') {
+      addRule({ ...rule, id: generateId('rule'), hits: 0 });
+    } else if (modal?.type === 'edit') {
+      updateRule(modal.rule.id, rule);
+    }
+    setModal(null);
+  };
+
+  const fieldsFor = (rule?: Rule): FormField[] => [
+    { key: 'priority', label: t('rules.fieldPriority'), placeholder: '100', defaultValue: rule ? String(rule.priority) : '', keyboardType: 'numeric' },
+    { key: 'counterpartyContains', label: t('rules.fieldCounterparty'), placeholder: '咖啡', defaultValue: rule?.counterpartyContains ?? '' },
+    { key: 'memoContains', label: t('rules.fieldMemo'), placeholder: '', defaultValue: rule?.memoContains ?? '' },
+    { key: 'sourceAccount', label: t('rules.fieldSourceAccount'), placeholder: 'Assets:支付宝余额', defaultValue: rule?.sourceAccount ?? '' },
+    { key: 'categoryAccount', label: t('rules.fieldCategoryAccount'), placeholder: 'Expenses:餐饮', defaultValue: rule?.categoryAccount ?? '' },
+    { key: 'narration', label: t('rules.fieldNarration'), placeholder: '咖啡', defaultValue: rule?.narration ?? '' },
+    { key: 'tags', label: t('rules.fieldTags'), placeholder: 'food', defaultValue: rule?.tags?.join(', ') ?? '' },
+  ];
+
+  const formatCondition = (rule: Rule): string => {
+    const parts: string[] = [];
+    if (rule.counterpartyContains) parts.push(t('rules.condCounterparty', { val: rule.counterpartyContains }));
+    if (rule.memoContains) parts.push(t('rules.condMemo', { val: rule.memoContains }));
+    return parts.length > 0 ? parts.join(' · ') : t('rules.condNone');
+  };
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}>
+          <Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} />
+        </Pressable>
+        <Text style={[theme.typography.h1, { color: theme.colors.fgPrimary, marginLeft: 8 }]}>{t('tab.rules')}</Text>
+      </View>
+      <ScrollView contentContainerStyle={[styles.content, { gap: theme.spacing.md }]}>
+        <Pressable onPress={() => setModal({ type: 'add' })} style={styles.addBtn}>
+          <Ionicons name="add-circle" size={20} color={theme.colors.accent} />
+          <Text style={[theme.typography.body, { color: theme.colors.accent, marginLeft: 6 }]}>{t('rules.add')}</Text>
+        </Pressable>
+        <Card title={t('rules.title')}>
+          {sorted.length === 0 && (
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('rules.empty')}</Text>
+          )}
+          {sorted.map(rule => (
+            <Pressable
+              key={rule.id}
+              onPress={() => setModal({ type: 'edit', rule })}
+              onLongPress={() => handleDelete(rule)}
+              style={({ pressed }) => [styles.row, { borderTopColor: theme.colors.divider, opacity: pressed ? 0.6 : 1 }]}
+            >
+              <View style={{ flex: 1 }}>
+                <View style={styles.ruleHeader}>
+                  <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, fontWeight: '600' }]}>{rule.narration || rule.id}</Text>
+                  <Text style={[theme.typography.caption, { color: theme.colors.accent }]}>P{rule.priority}</Text>
+                </View>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                  {formatCondition(rule)}
+                </Text>
+                <View style={{ flexDirection: 'row', alignItems: 'center', gap: 4, marginTop: 2 }}>
+                  <Ionicons name="arrow-forward-outline" size={12} color={theme.colors.fgSecondary} />
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, fontFamily: theme.typography.caption.fontFamily }]}>
+                    {rule.categoryAccount} ({t('rules.hitsSuffix', { count: rule.hits })})
+                  </Text>
+                </View>
+              </View>
+            </Pressable>
+          ))}
+        </Card>
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center' }]}>
+          {t('common.clickEditLongDelete')}
+        </Text>
+      </ScrollView>
+
+      <FormModal
+        visible={modal !== null}
+        title={modal?.type === 'edit' ? t('rules.editTitle') : t('rules.add')}
+        fields={fieldsFor(modal?.type === 'edit' ? modal.rule : undefined)}
+        onConfirm={handleConfirm}
+        onCancel={() => setModal(null)}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16 },
+  addBtn: { flexDirection: 'row', alignItems: 'center' },
+  row: { borderTopWidth: 1, paddingTop: 10, gap: 3 },
+  ruleHeader: { flexDirection: 'row', justifyContent: 'space-between', alignItems: 'center' },
+});
--- a/src/app/settings/ai.tsx
+++ b/src/app/settings/ai.tsx
@ -0,0 +1,156 @@
+import React, { useState } from 'react';
+import { Pressable, ScrollView, StyleSheet, Text, View, Switch, Alert } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { useSettingsStore } from '../../store/settingsStore';
+import { Card } from '../../components/Card';
+import { Button } from '../../components/Button';
+import { FormModal, type FormField } from '../../components/FormModal';
+
+export default function AISettingsScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  // Settings State
+  const dedupEnabled = useSettingsStore(s => s.dedupEnabled);
+  const setDedupEnabled = useSettingsStore(s => s.setDedupEnabled);
+  const transferRecognitionEnabled = useSettingsStore(s => s.transferRecognitionEnabled);
+  const setTransferRecognitionEnabled = useSettingsStore(s => s.setTransferRecognitionEnabled);
+
+  const aiEnabled = useSettingsStore(s => s.aiEnabled);
+  const aiProviderId = useSettingsStore(s => s.aiProviderId);
+  const aiApiKey = useSettingsStore(s => s.aiApiKey) || '';
+  const aiBaseUrl = useSettingsStore(s => s.aiBaseUrl) || 'https://api.openai.com/v1';
+  const aiModel = useSettingsStore(s => s.aiModel) || 'gpt-4o-mini';
+  const updateAiConfig = useSettingsStore(s => s.updateAiConfig);
+
+  const [aiModalVisible, setAiModalVisible] = useState(false);
+
+  const aiFields: FormField[] = [
+    { key: 'apiKey', label: t('settings.aiFieldApiKey'), placeholder: 'sk-xxxxxx', defaultValue: aiApiKey },
+    { key: 'baseUrl', label: t('settings.aiFieldBaseUrl'), placeholder: 'https://api.openai.com/v1', defaultValue: aiBaseUrl },
+    { key: 'model', label: t('settings.aiFieldModel'), placeholder: 'gpt-4o-mini', defaultValue: aiModel },
+  ];
+
+  const saveAI = (values: Record<string, string>) => {
+    updateAiConfig({
+      aiApiKey: values.apiKey,
+      aiBaseUrl: values.baseUrl,
+      aiModel: values.model,
+    });
+    setAiModalVisible(false);
+  };
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}>
+          <Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} />
+        </Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>
+          {t('settings.aiSettingsTitle')}
+        </Text>
+      </View>
+
+      <ScrollView contentContainerStyle={styles.content}>
+        {/* 自动记账与算法开关 */}
+        <Card title={t('settings.algorithmConfig')}>
+          <View style={styles.switchRow}>
+            <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, flex: 1 }]}>
+              {t('settings.dedupLabel')}
+            </Text>
+            <Switch
+              value={dedupEnabled}
+              onValueChange={setDedupEnabled}
+              trackColor={{ false: theme.colors.bgTertiary, true: theme.colors.accent }}
+              thumbColor={theme.colors.fgInverse}
+            />
+          </View>
+          <View style={[styles.switchRow, { marginTop: 12 }]}>
+            <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, flex: 1 }]}>
+              {t('settings.transferLabel')}
+            </Text>
+            <Switch
+              value={transferRecognitionEnabled}
+              onValueChange={setTransferRecognitionEnabled}
+              trackColor={{ false: theme.colors.bgTertiary, true: theme.colors.accent }}
+              thumbColor={theme.colors.fgInverse}
+            />
+          </View>
+        </Card>
+
+        {/* AI 智能助理配置 */}
+        <Card title={t('settings.aiAssistantTitle')}>
+          <View style={styles.switchRow}>
+            <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, flex: 1 }]}>
+              {t('settings.enableAiHint')}
+            </Text>
+            <Switch
+              value={aiEnabled}
+              onValueChange={(val) => updateAiConfig({ aiEnabled: val })}
+              trackColor={{ false: theme.colors.bgTertiary, true: theme.colors.accent }}
+              thumbColor={theme.colors.fgInverse}
+            />
+          </View>
+          {aiEnabled && (
+            <View style={{ marginTop: 12, gap: 8 }}>
+              <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                {t('settings.aiProvider')}
+              </Text>
+              <View style={styles.optionRow}>
+                {['openai', 'gemini', 'deepseek'].map((provider) => {
+                  const active = aiProviderId === provider;
+                  return (
+                    <Pressable
+                      key={provider}
+                      onPress={() => updateAiConfig({ aiProviderId: provider as any })}
+                      style={[
+                        styles.option,
+                        {
+                          backgroundColor: active ? theme.colors.accent : theme.colors.bgTertiary,
+                          borderColor: active ? theme.colors.accent : theme.colors.border,
+                        },
+                      ]}
+                    >
+                      <Text style={{ color: active ? theme.colors.fgInverse : theme.colors.fgPrimary, fontWeight: active ? '700' : '400' }}>
+                        {provider.toUpperCase()}
+                      </Text>
+                    </Pressable>
+                  );
+                })}
+              </View>
+              <View style={{ marginTop: 4 }}>
+                <Button label={t('settings.aiConfigBtn')} onPress={() => setAiModalVisible(true)} variant="secondary" />
+              </View>
+              <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 4 }]}>
+                {t('settings.aiCurrentModel', { model: aiModel, url: aiBaseUrl })}
+              </Text>
+            </View>
+          )}
+        </Card>
+      </ScrollView>
+
+      {/* AI 配置模态框 */}
+      <FormModal
+        visible={aiModalVisible}
+        title={t('settings.aiConfigTitle')}
+        fields={aiFields}
+        onConfirm={saveAI}
+        onCancel={() => setAiModalVisible(false)}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, gap: 16 },
+  switchRow: { flexDirection: 'row', alignItems: 'center', justifyContent: 'space-between' },
+  optionRow: { flexDirection: 'row', gap: 8 },
+  option: { flex: 1, alignItems: 'center', paddingVertical: 8, borderWidth: 1, borderRadius: 4 },
+});
--- a/src/app/settings/preferences.tsx
+++ b/src/app/settings/preferences.tsx
@ -0,0 +1,218 @@
+import React from 'react';
+import { Alert, Pressable, ScrollView, StyleSheet, Text, View, Switch } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { useSettingsStore, type Locale, type ThemeMode } from '../../store/settingsStore';
+import { Card } from '../../components/Card';
+
+export default function PreferencesScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  // Settings State
+  const themeMode = useSettingsStore(s => s.themeMode);
+  const setThemeMode = useSettingsStore(s => s.setThemeMode);
+  const locale = useSettingsStore(s => s.locale);
+  const setLocale = useSettingsStore(s => s.setLocale);
+  const appLockEnabled = useSettingsStore(s => s.appLockEnabled);
+  const setAppLockEnabled = useSettingsStore(s => s.setAppLockEnabled);
+  const reminderEnabled = useSettingsStore(s => s.reminderEnabled);
+  const reminderHour = useSettingsStore(s => s.reminderHour);
+  const reminderMinute = useSettingsStore(s => s.reminderMinute);
+  const updateReminderConfig = useSettingsStore(s => s.updateReminderConfig);
+
+  const THEME_OPTIONS: { mode: ThemeMode; labelKey: string }[] = [
+    { mode: 'light', labelKey: 'settings.themeLight' },
+    { mode: 'dark', labelKey: 'settings.themeDark' },
+    { mode: 'system', labelKey: 'settings.themeSystem' },
+  ];
+
+  const LOCALE_OPTIONS: { locale: Locale; labelKey: string }[] = [
+    { locale: 'zh', labelKey: 'settings.langZh' },
+    { locale: 'en', labelKey: 'settings.langEn' },
+  ];
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}>
+          <Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} />
+        </Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>
+          {t('settings.preferencesTitle')}
+        </Text>
+      </View>
+
+      <ScrollView contentContainerStyle={styles.content}>
+        {/* 外观设置 */}
+        <Card title={t('settings.appearance')}>
+          <Text style={[theme.typography.bodySmall, { color: theme.colors.fgSecondary, marginBottom: 8 }]}>
+            {t('settings.themeMode')}
+          </Text>
+          <View style={styles.optionRow}>
+            {THEME_OPTIONS.map(opt => {
+              const active = themeMode === opt.mode;
+              return (
+                <Pressable
+                  key={opt.mode}
+                  onPress={() => setThemeMode(opt.mode)}
+                  style={[
+                    styles.option,
+                    {
+                      backgroundColor: active ? theme.colors.accent : theme.colors.bgTertiary,
+                      borderColor: active ? theme.colors.accent : theme.colors.border,
+                    },
+                  ]}
+                >
+                  <Text style={{ color: active ? theme.colors.fgInverse : theme.colors.fgPrimary, fontWeight: active ? '700' : '400' }}>
+                    {t(opt.labelKey)}
+                  </Text>
+                </Pressable>
+              );
+            })}
+          </View>
+        </Card>
+
+        {/* 语言偏好 */}
+        <Card title={t('settings.language')}>
+          <Text style={[theme.typography.bodySmall, { color: theme.colors.fgSecondary, marginBottom: 8 }]}>
+            {t('settings.selectLang')}
+          </Text>
+          <View style={styles.optionRow}>
+            {LOCALE_OPTIONS.map(opt => {
+              const active = locale === opt.locale;
+              return (
+                <Pressable
+                  key={opt.locale}
+                  onPress={() => setLocale(opt.locale)}
+                  style={[
+                    styles.option,
+                    {
+                      backgroundColor: active ? theme.colors.accent : theme.colors.bgTertiary,
+                      borderColor: active ? theme.colors.accent : theme.colors.border,
+                    },
+                  ]}
+                >
+                  <Text style={{ color: active ? theme.colors.fgInverse : theme.colors.fgPrimary, fontWeight: active ? '700' : '400' }}>
+                    {t(opt.labelKey)}
+                  </Text>
+                </Pressable>
+              );
+            })}
+          </View>
+        </Card>
+
+        {/* 安全设置 */}
+        <Card title={t('settings.security')}>
+          <View style={styles.switchRow}>
+            <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, flex: 1 }]}>
+              {t('settings.appLock')}
+            </Text>
+            <Switch
+              value={appLockEnabled}
+              onValueChange={async (val) => {
+                if (val) {
+                  // 开启：需要设置 PIN
+                  const { hasPinSet, setPin } = await import('../../components/LockScreen');
+                  const hasPin = await hasPinSet();
+                  if (!hasPin) {
+                    // Alert.prompt 仅 iOS 可用；Android 直接开启（用户首次锁屏时设置）
+                    // 这里简化处理：直接开启，用户在锁屏界面首次输入时即设置 PIN
+                    // 完整版应弹出一个 Modal 含 TextInput（留后续优化）
+                    Alert.alert(
+                      t('settings.setPinDesc'),
+                      undefined,
+                      [
+                        { text: t('common.cancel'), style: 'cancel', onPress: () => {} },
+                        {
+                          text: t('common.confirm'),
+                          onPress: async () => {
+                            // 设置一个默认空 PIN，用户可在锁屏界面修改
+                            // 真实实现应弹出 PIN 输入 Modal
+                            setAppLockEnabled(true);
+                          },
+                        },
+                      ],
+                    );
+                  } else {
+                    setAppLockEnabled(true);
+                  }
+                } else {
+                  // 关闭：清除 PIN
+                  const { clearPin } = await import('../../components/LockScreen');
+                  await clearPin();
+                  setAppLockEnabled(false);
+                }
+              }}
+              trackColor={{ false: theme.colors.bgTertiary, true: theme.colors.accent }}
+              thumbColor={theme.colors.fgInverse}
+            />
+          </View>
+        </Card>
+
+        {/* 每日记账提醒 */}
+        <Card title={t('settings.reminderTitle')}>
+          <View style={styles.switchRow}>
+            <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, flex: 1 }]}>
+              {t('settings.reminderToggle')}
+            </Text>
+            <Switch
+              value={reminderEnabled}
+              onValueChange={async (val) => {
+                updateReminderConfig({ reminderEnabled: val });
+                try {
+                  const { RealNotificationScheduler, setupDailyReminder, cancelAllReminders } = await import('../../services/reminder');
+                  const scheduler = new RealNotificationScheduler();
+                  if (val) {
+                    await setupDailyReminder(scheduler, reminderHour, reminderMinute);
+                  } else {
+                    await cancelAllReminders(scheduler);
+                  }
+                } catch (e) {
+                  Alert.alert(String(e));
+                }
+              }}
+              trackColor={{ false: theme.colors.bgTertiary, true: theme.colors.accent }}
+              thumbColor={theme.colors.fgInverse}
+            />
+          </View>
+          {reminderEnabled && (
+            <View style={[styles.switchRow, { marginTop: 12 }]}>
+              <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, flex: 1 }]}>
+                {t('settings.reminderTime')}
+              </Text>
+              <Text style={[theme.typography.body, { color: theme.colors.accent, fontWeight: '700' }]}>
+                {String(reminderHour).padStart(2, '0')}:{String(reminderMinute).padStart(2, '0')}
+              </Text>
+              <Pressable
+                onPress={async () => {
+                  // 简单的时间调整：小时 +1 循环
+                  const newHour = (reminderHour + 1) % 24;
+                  updateReminderConfig({ reminderHour: newHour });
+                  const { RealNotificationScheduler, setupDailyReminder } = await import('../../services/reminder');
+                  await setupDailyReminder(new RealNotificationScheduler(), newHour, reminderMinute);
+                }}
+                style={{ marginLeft: 12, padding: 4 }}
+              >
+                <Ionicons name="time-outline" size={20} color={theme.colors.accent} />
+              </Pressable>
+            </View>
+          )}
+        </Card>
+      </ScrollView>
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, gap: 16 },
+  optionRow: { flexDirection: 'row', gap: 8 },
+  option: { flex: 1, alignItems: 'center', paddingVertical: 8, borderWidth: 1, borderRadius: 4 },
+  switchRow: { flexDirection: 'row', alignItems: 'center', justifyContent: 'space-between' },
+});
--- a/src/app/settings/sync.tsx
+++ b/src/app/settings/sync.tsx
@ -0,0 +1,546 @@
+import React, { useState } from 'react';
+import { Pressable, ScrollView, StyleSheet, Text, View, Alert, Platform } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import * as DocumentPicker from 'expo-document-picker';
+import * as FileSystem from 'expo-file-system/legacy';
+import * as Sharing from 'expo-sharing';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { useSettingsStore } from '../../store/settingsStore';
+import { useLedgerStore } from '../../store/ledgerStore';
+import { useImportStore } from '../../store/importStore';
+import { useMetadataStore } from '../../store/metadataStore';
+import { Card } from '../../components/Card';
+import { Button } from '../../components/Button';
+import { FormModal, type FormField } from '../../components/FormModal';
+import { syncWithWebDAV, WebDAVClient, type FetchImpl } from '../../services/sync/webdavSync';
+import { syncWithGit, ExpoGitBackend } from '../../services/sync/gitSync';
+import { syncWithICloud, MockICloudFileSystem } from '../../services/sync/icloudSync';
+import { createBackupBundle, serializeBundle, deserializeBundle, restoreFiles } from '../../services/backup';
+import { runMaintenance, ExpoMaintenanceFs, ExpoMaintenanceDb } from '../../services/maintenance';
+
+export default function SyncSettingsScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  // Sync Configuration
+  const webdavUrl = useSettingsStore(s => s.webdavUrl) || '';
+  const webdavUsername = useSettingsStore(s => s.webdavUsername) || '';
+  const webdavPassword = useSettingsStore(s => s.webdavPassword) || '';
+  const webdavRemotePath = useSettingsStore(s => s.webdavRemotePath) || 'main.bean';
+  const gitRemoteUrl = useSettingsStore(s => s.gitRemoteUrl) || '';
+  const gitBranch = useSettingsStore(s => s.gitBranch) || 'main';
+  const gitUsername = useSettingsStore(s => s.gitUsername) || '';
+  const gitPassword = useSettingsStore(s => s.gitPassword) || '';
+  const updateSyncConfig = useSettingsStore(s => s.updateSyncConfig);
+
+  // Ledger state
+  const ledger = useLedgerStore(s => s.ledger);
+  const mobileBean = useLedgerStore(s => s.mobileBean);
+  const replaceMobileBean = useLedgerStore(s => s.replaceMobileBean);
+
+  // Modal Visibility
+  const [webdavModalVisible, setWebdavModalVisible] = useState(false);
+  const [gitModalVisible, setGitModalVisible] = useState(false);
+
+  // WebDAV credentials form fields
+  const webdavFields: FormField[] = [
+    { key: 'url', label: t('sync.webdavUrl'), placeholder: 'https://dav.example.com/beancount/', defaultValue: webdavUrl },
+    { key: 'username', label: t('sync.username'), placeholder: 'username', defaultValue: webdavUsername },
+    { key: 'password', label: t('sync.password'), placeholder: 'password', defaultValue: webdavPassword },
+    { key: 'remotePath', label: t('sync.remotePath'), placeholder: 'main.bean', defaultValue: webdavRemotePath },
+  ];
+
+  // Git credentials form fields
+  const gitFields: FormField[] = [
+    { key: 'remoteUrl', label: 'Git Remote URL', placeholder: 'https://github.com/user/ledger.git', defaultValue: gitRemoteUrl },
+    { key: 'branch', label: t('sync.branch'), placeholder: 'main', defaultValue: gitBranch },
+    { key: 'username', label: t('sync.username'), placeholder: 'gituser', defaultValue: gitUsername },
+    { key: 'password', label: t('sync.passwordToken'), placeholder: 'token', defaultValue: gitPassword },
+  ];
+
+  const saveWebDAV = (values: Record<string, string>) => {
+    updateSyncConfig({
+      webdavUrl: values.url,
+      webdavUsername: values.username,
+      webdavPassword: values.password,
+      webdavRemotePath: values.remotePath,
+    });
+    setWebdavModalVisible(false);
+  };
+
+  const saveGit = (values: Record<string, string>) => {
+    updateSyncConfig({
+      gitRemoteUrl: values.remoteUrl,
+      gitBranch: values.branch,
+      gitUsername: values.username,
+      gitPassword: values.password,
+    });
+    setGitModalVisible(false);
+  };
+
+  // === WebDAV 同步（真实） ===
+  const handleWebDAVSync = async () => {
+    if (!webdavUrl) {
+      Alert.alert(t('sync.hint'), t('sync.webdavNotConfigured'));
+      return;
+    }
+    try {
+      const client = new WebDAVClient({
+        url: webdavUrl,
+        username: webdavUsername,
+        password: webdavPassword,
+        remotePath: webdavRemotePath,
+        backupKeepCount: 3,
+      }, fetch as unknown as FetchImpl);
+      const result = await syncWithWebDAV(client, mobileBean, new Date().toISOString());
+      if (result.action === 'pulled' || result.action === 'conflict') {
+        await replaceMobileBean(result.content);
+      }
+      Alert.alert(t('sync.syncSuccess'), t('sync.webdvResult', { action: result.action }));
+    } catch (e) {
+      Alert.alert(t('sync.syncFail', { error: e instanceof Error ? e.message : String(e) }));
+    }
+  };
+
+  // === Git 同步（真实 — ExpoGitBackend 基于 HTTP 单文件同步） ===
+  const handleGitSync = async () => {
+    if (!gitRemoteUrl) {
+      Alert.alert(t('sync.hint'), t('sync.gitNotConfigured'));
+      return;
+    }
+    try {
+      const backend = new ExpoGitBackend(gitRemoteUrl, gitUsername, gitPassword, fetch);
+      const result = await syncWithGit(backend, {
+        remoteUrl: gitRemoteUrl,
+        branch: gitBranch,
+        autoSync: false,
+        syncIntervalMin: 30,
+      }, mobileBean);
+      if (result.action === 'pulled' || result.action === 'merged' || result.action === 'conflict') {
+        await replaceMobileBean(result.content);
+      }
+      const msgKey = result.conflicts && result.conflicts.length > 0
+        ? t('sync.gitConflict', { count: result.conflicts.length })
+        : t('sync.gitResult', { action: result.action });
+      Alert.alert(t('sync.syncSuccess'), msgKey);
+    } catch (e) {
+      Alert.alert(t('sync.syncFail', { error: e instanceof Error ? e.message : String(e) }));
+    }
+  };
+
+  // === iCloud 同步（演示模式 — Mock 后端，Android 上隐藏） ===
+  const handleICloudSync = async () => {
+    Alert.alert(
+      t('sync.demoMode'),
+      t('sync.iCloudDemoDesc'),
+      [
+        { text: t('common.cancel'), style: 'cancel' },
+        {
+          text: t('sync.runDemo'),
+          onPress: async () => {
+            try {
+              const fs = new MockICloudFileSystem();
+              fs.available = true;
+              fs.setRemoteFile('main.bean', `${t('sync.iCloudDemoContent')}\n`, new Date().toISOString());
+              const result = await syncWithICloud(fs, mobileBean, new Date().toISOString());
+              if (result.action === 'pulled' || result.action === 'conflict') {
+                await replaceMobileBean(result.content);
+              }
+              Alert.alert(t('sync.demoSyncSuccess'), t('sync.iCloudResult', { action: result.action }));
+            } catch (e) {
+              Alert.alert(t('sync.syncFail', { error: e instanceof Error ? e.message : String(e) }));
+            }
+          },
+        },
+      ],
+    );
+  };
+
+  // === 本地备份（真实写文件 + 分享） ===
+  const handleBackup = async () => {
+    try {
+      const files = ledger?.files ?? [];
+      // 收集设置（剔除敏感字段和函数）
+      const settingsState = useSettingsStore.getState();
+      const settings: Record<string, unknown> = {};
+      for (const [k, v] of Object.entries(settingsState)) {
+        if (typeof v !== 'function' && !['webdavPassword', 'gitPassword', 'appLockPin'].includes(k)) {
+          settings[k] = v;
+        }
+      }
+      // 收集元数据（分类/规则/预算/标签/信用卡/周期记账）
+      const metaState = useMetadataStore.getState();
+      const metadata: Record<string, unknown> = {
+        categories: metaState.categories,
+        tags: metaState.tags,
+        budgets: metaState.budgets,
+        creditCards: metaState.creditCards,
+        rules: metaState.rules,
+        recurringTransactions: metaState.recurringTransactions,
+      };
+
+      const bundle = createBackupBundle(files, mobileBean, settings, metadata);
+      const json = serializeBundle(bundle);
+      const timestamp = new Date().toISOString().replace(/[:.]/g, '-');
+
+      // Android 特殊处理：使用 SAF (存储访问框架) 直接让用户选择文件夹并保存
+      if (Platform.OS === 'android') {
+        try {
+          const permissions = await FileSystem.StorageAccessFramework.requestDirectoryPermissionsAsync();
+          if (permissions.granted) {
+            const fileUri = await FileSystem.StorageAccessFramework.createFileAsync(
+              permissions.directoryUri,
+              `backup-${timestamp}`,
+              'application/json',
+            );
+            await FileSystem.writeAsStringAsync(fileUri, json);
+            Alert.alert(t('sync.backupSuccess'), t('sync.backupSuccessFolder'));
+            return;
+          }
+        } catch (safError) {
+          // 如果 SAF 失败，降级到系统分享
+          console.warn('SAF backup failed, falling back to sharing:', safError);
+        }
+      }
+
+      const backupPath = FileSystem.documentDirectory + `backup-${timestamp}.json`;
+      await FileSystem.writeAsStringAsync(backupPath, json);
+
+      // 尝试分享（用户可保存到云盘/发送）
+      if (await Sharing.isAvailableAsync()) {
+        await Sharing.shareAsync(backupPath, {
+          mimeType: 'application/json',
+          dialogTitle: t('sync.backupShareTitle'),
+        });
+      }
+      Alert.alert(t('sync.backupSuccess'), t('sync.backupSuccessDesc', { path: backupPath }));
+    } catch (e) {
+      Alert.alert(t('sync.backupFail'), String(e));
+    }
+  };
+
+  // === 从备份文件恢复（真实） ===
+  const handleRestore = async () => {
+    try {
+      const res = await DocumentPicker.getDocumentAsync({
+        type: 'application/json',
+        copyToCacheDirectory: true,
+      });
+      if (res.canceled) return;
+      const file = res.assets[0];
+      const content = await FileSystem.readAsStringAsync(file.uri);
+      const bundle = deserializeBundle(content);
+      const restoredFiles = restoreFiles(bundle);
+      // 用恢复的 content 替换当前内容，支持新版 main.bean 并且兼容旧版 mobile.bean
+      const restoredMobileBean = restoredFiles.find(f => f.path === 'main.bean')?.content || restoredFiles.find(f => f.path === 'mobile.bean')?.content || '';
+      await replaceMobileBean(restoredMobileBean);
+
+      // 恢复设置（v2）
+      if (bundle.settings) {
+        useSettingsStore.getState().hydrate(bundle.settings as any);
+        // 同步持久化到文件
+        const settingsPath = FileSystem.documentDirectory + 'settings.json';
+        await FileSystem.writeAsStringAsync(settingsPath, JSON.stringify(bundle.settings, null, 2));
+      }
+
+      // 恢复元数据（v2）
+      if (bundle.metadata) {
+        useMetadataStore.getState().hydrate(bundle.metadata as any);
+        // 同步持久化到文件
+        const metadataPath = FileSystem.documentDirectory + 'metadata.json';
+        await FileSystem.writeAsStringAsync(metadataPath, JSON.stringify(bundle.metadata, null, 2));
+      }
+
+      const restoredParts = [t('sync.restorePartsTx')];
+      if (bundle.settings) restoredParts.push(t('sync.restorePartsSettings'));
+      if (bundle.metadata) restoredParts.push(t('sync.restorePartsMeta'));
+      Alert.alert(
+        t('sync.restoreSuccess'),
+        `${t('sync.restoreDesc', { name: file.name })}：${restoredParts.join('、')}`,
+      );
+    } catch (e) {
+      Alert.alert(t('sync.restoreFail'), e instanceof Error ? e.message : String(e));
+    }
+  };
+
+  // === 加载本地 .bean 账本（真实） ===
+  const handleLoadLocalLedger = async () => {
+    try {
+      const res = await DocumentPicker.getDocumentAsync({
+        type: '*/*',
+        copyToCacheDirectory: true,
+      });
+      if (res.canceled) return;
+      const file = res.assets[0];
+      const content = await FileSystem.readAsStringAsync(file.uri);
+
+      // 持久化到 documentDirectory，下次启动自动加载
+      const mainPath = FileSystem.documentDirectory + 'main.bean';
+      await FileSystem.writeAsStringAsync(mainPath, content);
+
+      const rules = useMetadataStore.getState().rules;
+      const categories = useMetadataStore.getState().categories;
+      const loadLedger = useLedgerStore.getState().loadLedger;
+      const setContext = useImportStore.getState().setContext;
+      const { FileSystemBackend } = await import('../../services/fileSystemBackend');
+
+      await loadLedger([{ path: 'main.bean', content }], new FileSystemBackend());
+      setContext({ rules, categories });
+
+      Alert.alert(t('sync.loadSuccess'), t('sync.loadDesc', { name: file.name }));
+    } catch (e) {
+      Alert.alert(t('sync.loadFail'), e instanceof Error ? e.message : String(e));
+    }
+  };
+
+  // === 维护清理（真实 — 扫描并清理 documentDirectory 下的孤儿文件） ===
+  const handleMaintenance = async () => {
+    Alert.alert(
+      t('sync.maintenanceTitle'),
+      t('sync.maintenanceConfirm'),
+      [
+        { text: t('common.cancel'), style: 'cancel' },
+        {
+          text: t('common.confirm'),
+          onPress: async () => {
+            try {
+              const baseDir = FileSystem.documentDirectory ?? '';
+              const cacheDir = FileSystem.cacheDirectory ?? '';
+              const fs = new ExpoMaintenanceFs();
+              const db = new ExpoMaintenanceDb(mobileBean);
+              const report = await runMaintenance(
+                fs, db, new Set(),
+                {
+                  attachments: `${baseDir}attachments/`,
+                  thumbnails: `${baseDir}thumbnails/`,
+                  cache: cacheDir,
+                },
+              );
+              Alert.alert(
+                t('sync.syncSuccess'),
+                t('sync.maintenanceResult', {
+                  count: report.cleanedCount,
+                  size: report.totalOrphanSize,
+                }),
+              );
+            } catch (e) {
+              Alert.alert(t('sync.optimizeFail'), String(e));
+            }
+          },
+        },
+      ],
+    );
+  };
+
+  // === 导出 Excel ===
+  const handleExportExcel = async () => {
+    try {
+      const XLSX = (await import('xlsx')).default;
+      const { exportToExcel } = await import('../../services/exportToExcel');
+      const { transactions } = ledger!;
+      const workbook = XLSX.utils.book_new();
+      const timestamp = new Date().toISOString().replace(/[:.]/g, '-');
+      const exportPath = FileSystem.documentDirectory + `transactions-${timestamp}.xlsx`;
+      let base64Content = '';
+      // 用 xlsx 库创建 workbook wrapper
+      const wbWrapper = {
+        addSheet: (name: string, rows: any[]) => {
+          const ws = XLSX.utils.json_to_sheet(rows);
+          XLSX.utils.book_append_sheet(workbook, ws, name);
+        },
+        write: (path: string) => {
+          base64Content = XLSX.write(workbook, { type: 'base64', bookType: 'xlsx' });
+          return FileSystem.writeAsStringAsync(path, base64Content, { encoding: FileSystem.EncodingType.Base64 });
+        },
+      };
+      await exportToExcel(transactions, wbWrapper as any, exportPath);
+
+      // Android 特殊处理：使用 SAF 直接保存到本地公开目录
+      if (Platform.OS === 'android') {
+        try {
+          const permissions = await FileSystem.StorageAccessFramework.requestDirectoryPermissionsAsync();
+          if (permissions.granted) {
+            const fileUri = await FileSystem.StorageAccessFramework.createFileAsync(
+              permissions.directoryUri,
+              `transactions-${timestamp}`,
+              'application/vnd.openxmlformats-officedocument.spreadsheetml.sheet',
+            );
+            await FileSystem.writeAsStringAsync(fileUri, base64Content, { encoding: FileSystem.EncodingType.Base64 });
+            Alert.alert(t('sync.exportSuccess'), 'Excel 账单已成功保存到所选文件夹！');
+            return;
+          }
+        } catch (safError) {
+          console.warn('SAF Excel export failed, falling back to sharing:', safError);
+        }
+      }
+
+      if (await Sharing.isAvailableAsync()) {
+        await Sharing.shareAsync(exportPath, { mimeType: 'application/vnd.openxmlformats-officedocument.spreadsheetml.sheet' });
+      }
+      Alert.alert(t('sync.exportSuccess'));
+    } catch (e) {
+      Alert.alert(t('sync.exportFail'), String(e));
+    }
+  };
+
+  // === 导出规则 ===
+  const handleExportRules = async () => {
+    try {
+      const { exportRules, MockRuleFileSync } = await import('../../services/ruleSync');
+      const rules = useMetadataStore.getState().rules;
+      const categories = useMetadataStore.getState().categories;
+      const timestamp = new Date().toISOString().replace(/[:.]/g, '-');
+      const exportPath = FileSystem.documentDirectory + `rules-${timestamp}.json`;
+      const fs = new MockRuleFileSync();
+      // MockRuleFileSync 是内存的，需要真实写入
+      await exportRules(rules, categories, fs, exportPath);
+      // 获取 Mock 写入的内容，用真实 FileSystem 写
+      const content = await fs.read(exportPath);
+      await FileSystem.writeAsStringAsync(exportPath, content);
+
+      // Android 特殊处理：使用 SAF 直接保存到本地公开目录
+      if (Platform.OS === 'android') {
+        try {
+          const permissions = await FileSystem.StorageAccessFramework.requestDirectoryPermissionsAsync();
+          if (permissions.granted) {
+            const fileUri = await FileSystem.StorageAccessFramework.createFileAsync(
+              permissions.directoryUri,
+              `rules-${timestamp}`,
+              'application/json',
+            );
+            await FileSystem.writeAsStringAsync(fileUri, content);
+            Alert.alert(t('sync.exportSuccess'), '匹配规则已成功保存到所选文件夹！');
+            return;
+          }
+        } catch (safError) {
+          console.warn('SAF Rules export failed, falling back to sharing:', safError);
+        }
+      }
+
+      if (await Sharing.isAvailableAsync()) {
+        await Sharing.shareAsync(exportPath, { mimeType: 'application/json' });
+      }
+      Alert.alert(t('sync.exportSuccess'));
+    } catch (e) {
+      Alert.alert(t('sync.exportFail'), String(e));
+    }
+  };
+
+  // === 导入规则 ===
+  const handleImportRules = async () => {
+    try {
+      const res = await DocumentPicker.getDocumentAsync({ type: 'application/json', copyToCacheDirectory: true });
+      if (res.canceled) return;
+      const file = res.assets[0];
+      const content = await FileSystem.readAsStringAsync(file.uri);
+      const { parseRuleBundle, mergeRules } = await import('../../services/ruleSync');
+      const bundle = parseRuleBundle(content);
+      const existingRules = useMetadataStore.getState().rules;
+      const merged = mergeRules(existingRules, bundle.rules);
+      // 用合并后的规则更新 store（需要逐条添加新规则）
+      const newRules = merged.filter(r => !existingRules.some(e => e.id === r.id));
+      for (const rule of newRules) {
+        useMetadataStore.getState().addRule(rule);
+      }
+      Alert.alert(t('sync.importRulesSuccess', { count: newRules.length }));
+    } catch (e) {
+      Alert.alert(t('sync.exportFail'), e instanceof Error ? e.message : String(e));
+    }
+  };
+
+  const isAndroid = Platform.OS === 'android';
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}>
+          <Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} />
+        </Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>
+          {t('sync.title')}
+        </Text>
+      </View>
+
+      <ScrollView contentContainerStyle={styles.content}>
+        {/* 云同步配置与云端操作 */}
+        <Card title={t('sync.cloudTitle')}>
+          <View style={styles.syncBtnRow}>
+            <View style={{ flex: 1 }}>
+              <Button label={t('sync.configWebdav')} onPress={() => setWebdavModalVisible(true)} variant="secondary" />
+            </View>
+            <View style={{ flex: 1 }}>
+              <Button label={t('sync.configGit')} onPress={() => setGitModalVisible(true)} variant="secondary" />
+            </View>
+          </View>
+          <View style={{ marginTop: 8, gap: 8 }}>
+            <Button label={t('sync.webdavSyncNow')} onPress={handleWebDAVSync} />
+            <Button label={t('sync.gitSyncNow')} onPress={handleGitSync} variant="secondary" />
+            {!isAndroid && (
+              <Button label={t('sync.iCloudSync')} onPress={handleICloudSync} variant="secondary" />
+            )}
+          </View>
+          {isAndroid && (
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 8 }]}>
+              {t('sync.iCloudUnavailable')}
+            </Text>
+          )}
+        </Card>
+
+        {/* 本地备份与维护 */}
+        <Card title={t('sync.backupTitle')}>
+          <View style={styles.buttonRow}>
+            <View style={{ flex: 1 }}>
+              <Button label={t('sync.backupNow')} onPress={handleBackup} />
+            </View>
+            <View style={{ flex: 1 }}>
+              <Button label={t('sync.restoreNow')} onPress={handleRestore} variant="secondary" />
+            </View>
+          </View>
+          <View style={{ gap: 8, marginTop: 8 }}>
+            <Button label={t('sync.loadLocalLedger')} onPress={handleLoadLocalLedger} />
+            <Button label={t('sync.maintenance')} onPress={handleMaintenance} variant="secondary" />
+          </View>
+        </Card>
+
+        {/* 数据导出与分享 */}
+        <Card title={t('sync.exportTitle')}>
+          <View style={{ gap: 8 }}>
+            <Button label={t('sync.exportExcel')} onPress={handleExportExcel} />
+            <Button label={t('sync.exportRules')} onPress={handleExportRules} variant="secondary" />
+            <Button label={t('sync.importRules')} onPress={handleImportRules} variant="secondary" />
+          </View>
+        </Card>
+      </ScrollView>
+
+      {/* WebDAV 凭据配置 */}
+      <FormModal
+        visible={webdavModalVisible}
+        title={t('sync.webdavConfigTitle')}
+        fields={webdavFields}
+        onConfirm={saveWebDAV}
+        onCancel={() => setWebdavModalVisible(false)}
+      />
+
+      {/* Git 凭据配置 */}
+      <FormModal
+        visible={gitModalVisible}
+        title={t('sync.gitConfigTitle')}
+        fields={gitFields}
+        onConfirm={saveGit}
+        onCancel={() => setGitModalVisible(false)}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, gap: 16 },
+  syncBtnRow: { flexDirection: 'row', gap: 8 },
+  buttonRow: { flexDirection: 'row', gap: 8 },
+});
--- a/src/app/tag/index.tsx
+++ b/src/app/tag/index.tsx
@ -0,0 +1,141 @@
+/**
+ * 标签管理页面（plan.md「1.1 tag/index」+ 决策 1 双轨制）。
+ *
+ * 功能：标签列表(彩色芯片) + 添加/编辑/删除。
+ * 标签名写入 .bean 的 #tag 语法,需符合 [\w-]。
+ */
+import React, { useState } from 'react';
+import { Alert, Pressable, ScrollView, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../../theme';
+import { useMetadataStore, generateId } from '../../store/metadataStore';
+import { useT } from '../../i18n';
+import { Card } from '../../components/Card';
+import { FormModal, type FormField } from '../../components/FormModal';
+import { isValidTagName } from '../../domain/tags';
+import type { Tag } from '../../domain/tags';
+
+type ModalMode = { type: 'add' } | { type: 'edit'; tag: Tag } | null;
+
+const COLORS = ['#F44336', '#E91E63', '#9C27B0', '#2196F3', '#00BCD4', '#4CAF50', '#FF9800', '#795548'];
+
+export default function TagScreen() {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+
+  const tags = useMetadataStore(s => s.tags);
+  const addTag = useMetadataStore(s => s.addTag);
+  const updateTag = useMetadataStore(s => s.updateTag);
+  const removeTag = useMetadataStore(s => s.removeTag);
+
+  const [modal, setModal] = useState<ModalMode>(null);
+  const [selectedColor, setSelectedColor] = useState(COLORS[0]);
+
+  const handleDelete = (tag: Tag) => {
+    Alert.alert(t('tag.deleteTitle'), t('tag.deleteConfirm', { name: tag.name }), [
+      { text: t('common.cancel'), style: 'cancel' },
+      { text: t('common.delete'), style: 'destructive', onPress: () => removeTag(tag.id) },
+    ]);
+  };
+
+  const handleConfirm = (values: Record<string, string>) => {
+    const name = values.name?.trim() ?? '';
+    if (!isValidTagName(name)) {
+      Alert.alert(t('tag.invalidName'), t('tag.invalidDesc'));
+      return;
+    }
+    if (modal?.type === 'add') {
+      addTag({ id: generateId('tag'), name, color: selectedColor });
+    } else if (modal?.type === 'edit') {
+      updateTag(modal.tag.id, { name, color: selectedColor });
+    }
+    setModal(null);
+  };
+
+  const openModal = (mode: ModalMode) => {
+    if (mode?.type === 'edit') setSelectedColor(mode.tag.color);
+    else setSelectedColor(COLORS[0]);
+    setModal(mode);
+  };
+
+  const editFields: FormField[] = modal?.type === 'edit'
+    ? [{ key: 'name', label: t('tag.fieldName'), placeholder: 'food', defaultValue: modal.tag.name }]
+    : [{ key: 'name', label: t('tag.fieldName'), placeholder: 'food' }];
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}><Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} /></Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>{t('tag.title')}</Text>
+      </View>
+      <ScrollView contentContainerStyle={styles.content}>
+        <Card title={t('tag.count', { count: tags.length })}>
+          <Pressable onPress={() => openModal({ type: 'add' })} style={styles.addBtn}>
+            <Ionicons name="add-circle" size={20} color={theme.colors.accent} />
+            <Text style={[theme.typography.body, { color: theme.colors.accent, marginLeft: 6 }]}>{t('tag.add')}</Text>
+          </Pressable>
+          <View style={[styles.grid, { gap: 8, paddingTop: 4 }]}>
+            {tags.map(tag => (
+              <Pressable
+                key={tag.id}
+                onPress={() => openModal({ type: 'edit', tag })}
+                onLongPress={() => handleDelete(tag)}
+                style={[styles.chip, { backgroundColor: tag.color }]}
+              >
+                <Text style={{ color: theme.colors.fgInverse, fontWeight: '700' }}>#{tag.name}</Text>
+              </Pressable>
+            ))}
+            {tags.length === 0 && (
+              <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('tag.empty')}</Text>
+            )}
+          </View>
+        </Card>
+
+        {/* 颜色选择器(模态打开时显示) */}
+        {modal && (
+          <Card title={t('tag.selectColor')}>
+            <View style={styles.colorRow}>
+              {COLORS.map(c => (
+                <Pressable
+                  key={c}
+                  onPress={() => setSelectedColor(c)}
+                  style={[styles.colorDot, {
+                    backgroundColor: c,
+                    borderWidth: selectedColor === c ? 3 : 0,
+                    borderColor: theme.colors.fgPrimary,
+                  }]}
+                />
+              ))}
+            </View>
+          </Card>
+        )}
+
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 8 }]}>
+          {t('common.clickEditLongDelete')}
+        </Text>
+      </ScrollView>
+
+      <FormModal
+        visible={modal !== null}
+        title={modal?.type === 'edit' ? t('tag.editTitle') : t('tag.add')}
+        fields={editFields}
+        onConfirm={handleConfirm}
+        onCancel={() => setModal(null)}
+      />
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16, gap: 12 },
+  grid: { flexDirection: 'row', flexWrap: 'wrap' },
+  chip: { paddingVertical: 6, paddingHorizontal: 14, borderRadius: 16 },
+  addBtn: { flexDirection: 'row', alignItems: 'center', paddingBottom: 8 },
+  colorRow: { flexDirection: 'row', flexWrap: 'wrap', gap: 12, paddingVertical: 4 },
+  colorDot: { width: 36, height: 36, borderRadius: 18 },
+});
--- a/src/app/transaction/[id].tsx
+++ b/src/app/transaction/[id].tsx
@ -0,0 +1,429 @@
+/**
+ * 交易详情页（plan.md「1.1 transaction/[id]」）。
+ *
+ * 从 ledger.transactions 按 id 查找,展示完整交易信息:
+ * - 日期 / 摘要 / 对方 / flag
+ * - 全部 postings(账户 / 金额 / 币种 / cost / price)
+ * - 标签 / 链接 / 元数据
+ * - 原始 .bean 文本
+ */
+import React, { useMemo, useState } from 'react';
+import { Pressable, ScrollView, StyleSheet, Text, View, Alert, Modal, TextInput, FlatList } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useLocalSearchParams, useRouter } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme, createCommonStyles } from '../../theme';
+import { Card } from '../../components/Card';
+import { useLedgerStore } from '../../store/ledgerStore';
+import { hash } from '../../domain/ledger';
+import { useT } from '../../i18n';
+import { TransactionCard } from '../../components/TransactionCard';
+
+export default function TransactionDetailScreen() {
+  const { theme } = useTheme();
+  const commonStyles = createCommonStyles(theme);
+  const t = useT();
+  const router = useRouter();
+  const { id } = useLocalSearchParams<{ id: string }>();
+  const ledger = useLedgerStore(s => s.ledger);
+
+  const tx = useMemo(
+    () => ledger?.transactions.find(txn => txn.id === id) ?? null,
+    [ledger, id],
+  );
+
+  const [linkModalVisible, setLinkModalVisible] = useState(false);
+  const [searchQuery, setSearchQuery] = useState('');
+
+  const isEditable = tx ? tx.source.endsWith('main.bean') : false;
+
+  // 找出所有共享同一个链接标签的关联交易
+  const relatedTransactions = useMemo(() => {
+    if (!ledger || !tx || !tx.links || tx.links.length === 0) return [];
+    return ledger.transactions.filter(
+      t => t.id !== id && t.links.some(l => tx.links.includes(l))
+    );
+  }, [ledger, id, tx?.links]);
+
+  // 筛选可以用来关联的其他账单
+  const linkableTransactions = useMemo(() => {
+    if (!ledger) return [];
+    return ledger.transactions
+      .filter(t => t.id !== id && t.source.endsWith('main.bean') && !t.links.some(l => (tx?.links ?? []).includes(l)))
+      .filter(t => {
+        if (!searchQuery) return true;
+        const q = searchQuery.toLowerCase();
+        return (
+          t.narration?.toLowerCase().includes(q) ||
+          t.payee?.toLowerCase().includes(q) ||
+          t.postings.some(p => p.account.toLowerCase().includes(q))
+        );
+      })
+      .reverse() // 解决截断 Bug：将顺序反转，优先展示最新的交易
+      .slice(0, 30);
+  }, [ledger, id, tx?.links, searchQuery]);
+
+  const handleLinkTransaction = async (targetTx: typeof tx) => {
+    if (!tx || !targetTx) return;
+    try {
+      const { mobileBean, replaceMobileBean } = useLedgerStore.getState();
+      
+      // 取出已有链接标签，若没有则生成一个随机哈希标签
+      let linkTag = tx.links[0] || targetTx.links[0];
+      if (!linkTag) {
+        linkTag = 'lnk-' + Math.random().toString(36).slice(2, 8);
+      }
+
+      const addLinkToRaw = (raw: string, tag: string) => {
+        const lines = raw.split('\n');
+        const line = lines[0];
+        const commentIndex = line.indexOf(';');
+        
+        if (line.includes(`^${tag}`)) {
+          return raw;
+        }
+        
+        if (commentIndex !== -1) {
+          const beforeComment = line.substring(0, commentIndex).trimEnd();
+          const commentPart = line.substring(commentIndex);
+          lines[0] = `${beforeComment} ^${tag} ${commentPart}`;
+        } else {
+          lines[0] = line.trimEnd() + ` ^${tag}`;
+        }
+        return lines.join('\n');
+      };
+
+      const newCurrentRaw = addLinkToRaw(tx.raw, linkTag);
+      const newTargetRaw = addLinkToRaw(targetTx.raw, linkTag);
+
+      let newContent = mobileBean;
+      newContent = newContent.replace(tx.raw, newCurrentRaw);
+      newContent = newContent.replace(targetTx.raw, newTargetRaw);
+
+      await replaceMobileBean(newContent);
+      setLinkModalVisible(false);
+      
+      // 解决 race condition：直接使用 hash() 算法计算新 ID 避免读取旧状态导致的 404 白屏
+      const newId = hash(`main.bean:${newCurrentRaw}`);
+      if (newId && newId !== id) {
+        router.replace(`/transaction/${newId}`);
+      }
+      Alert.alert(t('transaction.linkSuccess'), t('transaction.linkSuccessDesc', { tag: linkTag }));
+    } catch (e) {
+      Alert.alert(t('transaction.linkFail'), String(e));
+    }
+  };
+
+  const handleUnlink = async (linkTag: string) => {
+    if (!tx) return;
+    try {
+      const { mobileBean, replaceMobileBean } = useLedgerStore.getState();
+      
+      // 找出所有携带此 linkTag 且属于 main.bean 的同伴交易并同步清除，避免悬空标签
+      const companionTxs = (ledger?.transactions ?? []).filter(
+        t => t.links.includes(linkTag) && t.source.endsWith('main.bean')
+      );
+
+      let newContent = mobileBean;
+      let newCurrentRaw = tx.raw;
+
+      for (const companion of companionTxs) {
+        const lines = companion.raw.split('\n');
+        lines[0] = lines[0].replace(new RegExp(`\\s*\\^${linkTag}\\b`, 'g'), '');
+        const newRaw = lines.join('\n');
+        
+        newContent = newContent.replace(companion.raw, newRaw);
+        if (companion.id === tx.id) {
+          newCurrentRaw = newRaw;
+        }
+      }
+
+      await replaceMobileBean(newContent);
+      
+      // 解决 race condition：直接使用 hash() 算法计算新 ID
+      const newId = hash(`main.bean:${newCurrentRaw}`);
+      if (newId && newId !== id) {
+        router.replace(`/transaction/${newId}`);
+      }
+      Alert.alert(t('transaction.unlinkSuccess'), t('transaction.unlinkSuccessDesc', { tag: linkTag }));
+    } catch (e) {
+      Alert.alert(t('transaction.unlinkFail'), String(e));
+    }
+  };
+
+  if (!tx) {
+    return (
+      <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]}>
+        <View style={styles.header}>
+          <Pressable onPress={() => router.back()}><Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} /></Pressable>
+          <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>{t('common.notFound')}</Text>
+        </View>
+        <View style={styles.content}>
+          <Card title={t('transaction.notFoundTitle')}>
+            <Text style={[theme.typography.body, { color: theme.colors.fgSecondary }]}>
+              {t('transaction.notFoundDesc', { id })}
+            </Text>
+          </Card>
+        </View>
+      </SafeAreaView>
+    );
+  }
+
+  const isExpense = tx.postings.some(p => p.account.startsWith('Expenses'));
+  const isIncome = tx.postings.some(p => p.account.startsWith('Income'));
+  const directionLabel = isExpense ? t('transaction.directionExpense') : isIncome ? t('transaction.directionIncome') : t('transaction.directionTransfer');
+  const directionColor = isExpense ? theme.colors.financial.expense
+    : isIncome ? theme.colors.financial.income
+    : theme.colors.financial.transfer;
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]}>
+      <View style={styles.header}>
+        <Pressable onPress={() => router.back()}><Ionicons name="arrow-back" size={24} color={theme.colors.fgPrimary} /></Pressable>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>{t('transaction.detailTitle')}</Text>
+      </View>
+      <ScrollView contentContainerStyle={[styles.content, { gap: 12 }]}>
+        {/* 摘要卡片 */}
+        <Card title={t('transaction.summary')}>
+          <View style={styles.summaryRow}>
+            <View style={{ flex: 1 }}>
+              <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary }]}>
+                {tx.narration || tx.payee || t('transaction.noSummary')}
+              </Text>
+              <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 4 }]}>
+                {tx.date.slice(0, 10)}{tx.payee ? ` · ${tx.payee}` : ''}
+              </Text>
+            </View>
+            <View style={[styles.directionBadge, { backgroundColor: directionColor }]}>
+              <Text style={{ color: theme.colors.fgInverse, fontSize: 12, fontWeight: '700' }}>{directionLabel}</Text>
+            </View>
+          </View>
+        </Card>
+
+        {/* Postings */}
+        <Card title={`${t('transaction.postings')} (${tx.postings.length})`}>
+          {tx.postings.map((p, i) => (
+            <View key={i} style={[styles.postingRow, { borderTopColor: theme.colors.divider, borderTopWidth: i > 0 ? 1 : 0 }]}>
+              <View style={{ flex: 1 }}>
+                <Text style={[theme.typography.body, { color: theme.colors.fgPrimary }]}>
+                  {p.account}
+                </Text>
+                {p.metadata && Object.entries(p.metadata).map(([k, v]) => (
+                  <Text key={k} style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                    {k}: {v}
+                  </Text>
+                ))}
+              </View>
+              <View style={{ alignItems: 'flex-end' }}>
+                {p.amount && (
+                  <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, fontWeight: '600' }]}>
+                    {p.amount} {p.currency ?? ''}
+                  </Text>
+                )}
+                {p.cost && (
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                    {p.cost}
+                  </Text>
+                )}
+                {p.price && (
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                    @ {p.price}
+                  </Text>
+                )}
+              </View>
+            </View>
+          ))}
+        </Card>
+
+        {/* 标签 */}
+        {tx.tags.length > 0 && (
+          <Card title={t('transaction.tags')}>
+            <View style={styles.tagRow}>
+              {tx.tags.map(tag => (
+                <View key={tag} style={[styles.tag, { backgroundColor: theme.colors.accentLight }]}>
+                  <Text style={[theme.typography.caption, { color: theme.colors.accentDark }]}>#{tag}</Text>
+                </View>
+              ))}
+            </View>
+          </Card>
+        )}
+
+        {/* 链接 */}
+        {(tx.links.length > 0 || isEditable) && (
+          <Card title={t('transaction.links')}>
+            <View style={styles.tagRow}>
+              {tx.links.map(link => (
+                <View key={link} style={[styles.tagContainer, { backgroundColor: theme.colors.accentLight }]}>
+                  <Text style={[theme.typography.caption, { color: theme.colors.accentDark, fontWeight: '700' }]}>^{link}</Text>
+                  {isEditable && (
+                    <Pressable onPress={() => handleUnlink(link)} style={{ marginLeft: 6 }}>
+                      <Ionicons name="close-circle" size={14} color={theme.colors.accentDark} />
+                    </Pressable>
+                  )}
+                </View>
+              ))}
+            </View>
+            
+            {isEditable && (
+              <Pressable
+                onPress={() => setLinkModalVisible(true)}
+                style={[styles.linkBtn, { borderColor: theme.colors.accent, marginTop: tx.links.length > 0 ? 12 : 0 }]}
+              >
+                <Ionicons name="link-outline" size={16} color={theme.colors.accent} />
+                <Text style={[theme.typography.bodySmall, { color: theme.colors.accent, marginLeft: 6, fontWeight: '700' }]}>
+                  {t('transaction.linkTransaction')}
+                </Text>
+              </Pressable>
+            )}
+            
+            {!isEditable && tx.links.length === 0 && (
+              <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+                {t('transaction.readOnlyLinks')}
+              </Text>
+            )}
+          </Card>
+        )}
+
+        {/* 关联的交易列表 */}
+        {relatedTransactions.length > 0 && (
+          <Card title={t('transaction.relatedTransactions')}>
+            {relatedTransactions.map(item => (
+              <TransactionCard
+                key={item.id}
+                transaction={item}
+                onPress={(target) => router.push(`/transaction/${target.id}`)}
+              />
+            ))}
+          </Card>
+        )}
+
+        {/* 元数据 */}
+        {tx.metadata && Object.keys(tx.metadata).length > 0 && (
+          <Card title={t('transaction.metadata')}>
+            {Object.entries(tx.metadata).map(([k, v]) => (
+              <View key={k} style={styles.metaRow}>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{k}</Text>
+                <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>{v}</Text>
+              </View>
+            ))}
+          </Card>
+        )}
+
+        {/* 原始 .bean */}
+        <Card title={t('transaction.rawBean')}>
+          <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary, fontFamily: 'monospace', lineHeight: 20 }]}>
+            {tx.raw}
+          </Text>
+          <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 8 }]}>
+            {t('transaction.source')}: {tx.source}
+          </Text>
+        </Card>
+
+        {/* 编辑/删除按钮（所有本地 main.bean 交易均可操作） */}
+        {isEditable && (
+          <View style={styles.editActions}>
+            <Pressable
+              onPress={() => router.push({ pathname: '/transaction/new', params: { editId: id } })}
+              style={({ pressed }) => [styles.editBtn, { borderColor: theme.colors.accent, opacity: pressed ? 0.7 : 1 }]}
+            >
+              <Ionicons name="create-outline" size={16} color={theme.colors.accent} />
+              <Text style={[theme.typography.bodySmall, { color: theme.colors.accent, marginLeft: 4, fontWeight: '700' }]}>
+                {t('transaction.edit')}
+              </Text>
+            </Pressable>
+            <Pressable
+              onPress={() => {
+                Alert.alert(t('transaction.deleteTitle'), t('transaction.deleteConfirm'), [
+                  { text: t('common.cancel'), style: 'cancel' },
+                  {
+                    text: t('common.delete'), style: 'destructive',
+                    onPress: async () => {
+                      try {
+                        await useLedgerStore.getState().deleteTransaction(tx.raw);
+                        Alert.alert(t('transaction.deleteSuccess'));
+                        router.back();
+                      } catch (e) {
+                        Alert.alert('Error', String(e));
+                      }
+                    },
+                  },
+                ]);
+              }}
+              style={({ pressed }) => [styles.editBtn, { borderColor: theme.colors.error, opacity: pressed ? 0.7 : 1 }]}
+            >
+              <Ionicons name="trash-outline" size={16} color={theme.colors.error} />
+              <Text style={[theme.typography.bodySmall, { color: theme.colors.error, marginLeft: 4, fontWeight: '700' }]}>
+                {t('transaction.delete')}
+              </Text>
+            </Pressable>
+          </View>
+        )}
+      </ScrollView>
+
+      {/* 关联交易筛选模态框 */}
+      <Modal
+        visible={linkModalVisible}
+        animationType="slide"
+        transparent={false}
+        onRequestClose={() => setLinkModalVisible(false)}
+      >
+        <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top']}>
+          <View style={styles.header}>
+            <Pressable onPress={() => setLinkModalVisible(false)}>
+              <Ionicons name="close" size={24} color={theme.colors.fgPrimary} />
+            </Pressable>
+            <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, flex: 1, marginLeft: 8 }]}>
+              {t('transaction.linkMobileTx')}
+            </Text>
+          </View>
+          
+          <View style={styles.searchBarContainer}>
+            <TextInput
+              style={[commonStyles.input, { height: 40 }]}
+              placeholder={t('transaction.searchTxPlaceholder')}
+              placeholderTextColor={theme.colors.fgSecondary}
+              value={searchQuery}
+              onChangeText={setSearchQuery}
+            />
+          </View>
+
+          <FlatList
+            data={linkableTransactions}
+            keyExtractor={(item) => item.id}
+            renderItem={({ item }) => (
+              <View style={{ paddingHorizontal: 16, paddingVertical: 4 }}>
+                <TransactionCard
+                  transaction={item}
+                  onPress={() => handleLinkTransaction(item)}
+                />
+              </View>
+            )}
+            ListEmptyComponent={
+              <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 40 }]}>
+                {t('transaction.noLinkableTx')}
+              </Text>
+            }
+          />
+        </SafeAreaView>
+      </Modal>
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  header: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 16, paddingTop: 8, paddingBottom: 12 },
+  content: { padding: 16 },
+  summaryRow: { flexDirection: 'row', alignItems: 'center', gap: 8 },
+  directionBadge: { paddingVertical: 4, paddingHorizontal: 10, borderRadius: 12 },
+  postingRow: { flexDirection: 'row', paddingTop: 10, gap: 8 },
+  tagRow: { flexDirection: 'row', flexWrap: 'wrap', gap: 6 },
+  tag: { paddingVertical: 4, paddingHorizontal: 8, borderRadius: 4 },
+  tagContainer: { flexDirection: 'row', alignItems: 'center', paddingVertical: 4, paddingHorizontal: 8, borderRadius: 4 },
+  linkBtn: { flexDirection: 'row', alignItems: 'center', justifyContent: 'center', borderWidth: StyleSheet.hairlineWidth, borderRadius: 16, paddingVertical: 8 },
+  searchBarContainer: { paddingHorizontal: 16, paddingBottom: 8 },
+  searchInput: { height: 40, borderWidth: StyleSheet.hairlineWidth, borderRadius: 8, paddingHorizontal: 12, fontSize: 14 },
+  metaRow: { flexDirection: 'row', justifyContent: 'space-between', paddingVertical: 3 },
+  editActions: { flexDirection: 'row', gap: 12, justifyContent: 'center' },
+  editBtn: { flexDirection: 'row', alignItems: 'center', borderWidth: StyleSheet.hairlineWidth, borderRadius: 16, paddingVertical: 10, paddingHorizontal: 20 },
+});
--- a/src/app/transaction/new.tsx
+++ b/src/app/transaction/new.tsx
@ -0,0 +1,792 @@
+import React, { useMemo, useState, useEffect, useRef } from 'react';
+import { ScrollView, StyleSheet, Text, TextInput, View, Switch, Alert, Pressable, LayoutAnimation, Platform } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { useRouter, useLocalSearchParams, useNavigation } from 'expo-router';
+import { Ionicons } from '@expo/vector-icons';
+import * as ImagePicker from 'expo-image-picker';
+import * as FileSystem from 'expo-file-system/legacy';
+import { useLedgerStore } from '../../store/ledgerStore';
+import { useMetadataStore } from '../../store/metadataStore';
+import { useTheme, createCommonStyles } from '../../theme';
+import { useT } from '../../i18n';
+import { Card } from '../../components/Card';
+import { Button } from '../../components/Button';
+import { CategoryPicker } from '../../components/CategoryPicker';
+import { TagPicker } from '../../components/TagPicker';
+import { PostingEditor } from '../../components/PostingEditor';
+import { tagsToBeanSyntax } from '../../domain/tags';
+import { serializeTransaction } from '../../domain/ledger';
+import { buildAndSaveTransaction } from '../../domain/transactionBuilder';
+import { matchCategory } from '../../domain/categories';
+import { getNativeOcrModule, getNativeOcrBridge } from '../../services/ocrBridge';
+import { OcrProcessor } from '../../domain/ocrProcessor';
+import type { Category } from '../../domain/categories';
+import type { Tag } from '../../domain/tags';
+import type { Posting } from '../../domain/types';
+
+
+type Direction = 'expense' | 'income' | 'transfer';
+
+export default function NewTransactionScreen() {
+  const { theme } = useTheme();
+  const commonStyles = createCommonStyles(theme);
+  const t = useT();
+  const router = useRouter();
+  const { mode, editId, draftJson } = useLocalSearchParams<{ mode?: string; editId?: string; draftJson?: string }>();
+  const addTransaction = useLedgerStore(s => s.addTransaction);
+  const editTransaction = useLedgerStore(s => s.editTransaction);
+  const ledger = useLedgerStore(s => s.ledger);
+  const categories = useMetadataStore(s => s.categories);
+  const tags = useMetadataStore(s => s.tags);
+
+  const today = new Date().toISOString().slice(0, 10);
+
+  // 基础表单状态
+  const [date, setDate] = useState(today);
+  const [narration, setNarration] = useState('');
+  const [payee, setPayee] = useState('');
+  const [currency, setCurrency] = useState('CNY');
+  const [amount, setAmount] = useState('');
+  const [direction, setDirection] = useState<Direction>('expense');
+  const [sourceAccount, setSourceAccount] = useState('Assets:支付宝余额');
+  const [targetAccount, setTargetAccount] = useState('Assets:微信零钱');
+  const [selectedCategory, setSelectedCategory] = useState<Category | null>(null);
+  const [selectedTags, setSelectedTags] = useState<Tag[]>([]);
+  const [status, setStatus] = useState('');
+
+  // 高级模式状态
+  const [isAdvanced, setIsAdvanced] = useState(false);
+  const [showDetails, setShowDetails] = useState(false);
+
+  const [postings, setPostings] = useState<Posting[]>([
+    { account: 'Assets:支付宝余额', amount: '', currency: 'CNY' },
+    { account: 'Expenses:餐饮', amount: '', currency: 'CNY' }
+  ]);
+
+  const [isSubmitted, setIsSubmitted] = useState(false);
+  const navigation = useNavigation();
+
+  useEffect(() => {
+    const unsubscribe = navigation.addListener('beforeRemove', (e) => {
+      const hasChanges =
+        amount.trim() !== '' ||
+        payee.trim() !== '' ||
+        narration.trim() !== '' ||
+        selectedTags.length > 0 ||
+        (isAdvanced && postings.some(p => p.account.trim() !== '' || (p.amount || '').trim() !== ''));
+
+      if (!hasChanges || isSubmitted) {
+        return;
+      }
+
+      e.preventDefault();
+      Alert.alert(
+        t('transaction.unsavedTitle'),
+        t('transaction.unsavedMessage'),
+        [
+          { text: t('common.cancel'), style: 'cancel', onPress: () => {} },
+          {
+            text: t('common.discard'),
+            style: 'destructive',
+            onPress: () => navigation.dispatch(e.data.action),
+          },
+        ]
+      );
+    });
+
+    return unsubscribe;
+  }, [navigation, amount, payee, narration, selectedTags, postings, isAdvanced, isSubmitted]);
+
+  // === 草稿预填模式 ===
+  useEffect(() => {
+    if (draftJson) {
+      try {
+        const draft = JSON.parse(draftJson);
+        setDate(draft.date ? draft.date.slice(0, 10) : today);
+        setNarration(draft.narration || '');
+        setPayee(draft.payee || '');
+        
+        const expensePosting = draft.postings.find((p: any) => p.account.startsWith('Expenses'));
+        const incomePosting = draft.postings.find((p: any) => p.account.startsWith('Income'));
+        const assetsPostings = draft.postings.filter((p: any) => p.account.startsWith('Assets') || p.account.startsWith('Liabilities'));
+
+        if (expensePosting) {
+          setDirection('expense');
+          setCurrency(expensePosting.currency || 'CNY');
+          setAmount((expensePosting.amount || '').replace(/^-/, ''));
+          const matchedCat = categories.find(c => c.linkedAccount === expensePosting.account);
+          if (matchedCat) setSelectedCategory(matchedCat);
+          if (assetsPostings.length > 0) {
+            setSourceAccount(assetsPostings[0].account);
+          }
+        } else if (incomePosting) {
+          setDirection('income');
+          setCurrency(incomePosting.currency || 'CNY');
+          setAmount((incomePosting.amount || '').replace(/^-/, ''));
+          const matchedCat = categories.find(c => c.linkedAccount === incomePosting.account);
+          if (matchedCat) setSelectedCategory(matchedCat);
+          if (assetsPostings.length > 0) {
+            setSourceAccount(assetsPostings[0].account);
+          }
+        } else {
+          setDirection('transfer');
+          if (draft.postings.length >= 2) {
+            setCurrency(draft.postings[0].currency || 'CNY');
+            setAmount((draft.postings[0].amount || '').replace(/^-/, ''));
+            setSourceAccount(draft.postings[0].account);
+            setTargetAccount(draft.postings[1].account);
+          }
+        }
+
+        if (draft.postings && draft.postings.length > 0) {
+          setPostings(draft.postings.map((p: any) => ({
+            account: p.account,
+            amount: p.amount,
+            currency: p.currency,
+            cost: p.cost,
+            price: p.price,
+            metadata: p.metadata,
+          })));
+        }
+      } catch (e) {
+        console.error('Failed to parse draftJson', e);
+      }
+    }
+  }, [draftJson, categories]);
+
+  // === 编辑模式：预填表单 ===
+  const editingTx = useMemo(
+    () => editId ? ledger?.transactions.find(txn => txn.id === editId) : undefined,
+    [editId, ledger],
+  );
+  const [oldRaw, setOldRaw] = useState('');
+  const [editFlag, setEditFlag] = useState<string>('*');
+  const [editLinks, setEditLinks] = useState<string[]>([]);
+  const [editMetadata, setEditMetadata] = useState<Record<string, string> | undefined>(undefined);
+  useEffect(() => {
+    if (editingTx) {
+      setOldRaw(editingTx.raw);
+      setDate(editingTx.date.slice(0, 10));
+      setNarration(editingTx.narration || '');
+      setPayee(editingTx.payee || '');
+      setCurrency(editingTx.postings[0]?.currency || 'CNY');
+      // 保留编辑前的 flag/links/metadata
+      setEditFlag(editingTx.flag || '*');
+      setEditLinks(editingTx.links || []);
+      setEditMetadata(editingTx.metadata);
+      // 从 postings 推断方向和金额
+      const expensePosting = editingTx.postings.find(p => p.account.startsWith('Expenses'));
+      const incomePosting = editingTx.postings.find(p => p.account.startsWith('Income'));
+      if (expensePosting) {
+        setDirection('expense');
+        setAmount(expensePosting.amount?.replace(/^-/, '') || '');
+        setSourceAccount(editingTx.postings.find(p => p.account.startsWith('Assets'))?.account || 'Assets:Alipay');
+        // 预填分类：匹配 Expenses 账户对应的 category
+        const matchedCat = categories.find(c => c.linkedAccount === expensePosting.account);
+        if (matchedCat) setSelectedCategory(matchedCat);
+      } else if (incomePosting) {
+        setDirection('income');
+        setAmount(incomePosting.amount?.replace(/^-/, '') || '');
+        setSourceAccount(editingTx.postings.find(p => p.account.startsWith('Assets'))?.account || 'Assets:Alipay');
+        // 预填分类
+        const matchedCat = categories.find(c => c.linkedAccount === incomePosting.account);
+        if (matchedCat) setSelectedCategory(matchedCat);
+      } else {
+        setDirection('transfer');
+        setAmount(editingTx.postings[0]?.amount?.replace(/^-/, '') || '');
+        setSourceAccount(editingTx.postings[0]?.account || '');
+        setTargetAccount(editingTx.postings[1]?.account || '');
+      }
+      // 预填 postings（高级模式，含 cost/price/metadata）
+      setPostings(editingTx.postings.map(p => ({
+        account: p.account,
+        amount: p.amount,
+        currency: p.currency,
+        cost: p.cost,
+        price: p.price,
+        metadata: p.metadata,
+      })));
+      // 预填标签
+      if (editingTx.tags.length > 0) {
+        setSelectedTags(editingTx.tags.map(name => ({ id: name, name, color: '#2196F3' })));
+      }
+    }
+  }, [editingTx, categories]);
+
+  // 按方向过滤分类
+  const availableCategories = useMemo(
+    () => categories.filter(c => c.type === (direction === 'income' ? 'income' : 'expense')),
+    [categories, direction],
+  );
+
+  // 来源账户列表(从 ledger 提取 Assets 账户)
+  const assetAccounts = useMemo(() => {
+    if (!ledger) return ['Assets:支付宝余额', 'Assets:微信零钱', 'Assets:兴业银行储蓄卡-2586'];
+    const accts = Array.from(ledger.accounts.keys()).filter(a => a.startsWith('Assets'));
+    return accts.length > 0 ? accts : ['Assets:支付宝余额'];
+  }, [ledger]);
+
+  const toggleTag = (tag: Tag) => {
+    setSelectedTags(prev =>
+      prev.some(t => t.name === tag.name)
+        ? prev.filter(t => t.name !== tag.name)
+        : [...prev, tag],
+    );
+  };
+
+  // === OCR 拍照识账 ===
+  const handleOcrScan = async () => {
+    try {
+      // 1. 选图（相册或拍照）
+      const result = await ImagePicker.launchImageLibraryAsync({
+        mediaTypes: ImagePicker.MediaTypeOptions.Images,
+        allowsEditing: false,
+        quality: 0.8,
+        base64: true,
+      });
+      if (result.canceled || !result.assets?.[0]?.base64) return;
+
+      const base64 = result.assets[0].base64;
+
+      // 2. 检查 OCR 引擎是否就绪
+      const nativeModule = getNativeOcrModule();
+      if (nativeModule) {
+        const ready = await nativeModule.isReady();
+        if (!ready) {
+          Alert.alert(t('ocr.notReady'));
+          return;
+        }
+      }
+
+      setStatus(t('ocr.scanning'));
+
+      // 3. 走 OcrProcessor 管线 (Layer1 regex → Layer2 → Layer3 AI)
+      const ocrBridge = getNativeOcrBridge();
+      const processor = new OcrProcessor(ocrBridge);
+      const ocrResult = await processor.process(base64);
+
+      if (ocrResult.event) {
+        // 4. 预填表单
+        const event = ocrResult.event;
+        if (event.amount) {
+          const absAmount = event.amount.replace(/^-/, '');
+          setAmount(absAmount);
+        }
+        if (event.counterparty || event.memo) {
+          setNarration([event.counterparty, event.memo].filter(Boolean).join(' - '));
+        }
+        if (event.direction === 'income') {
+          setDirection('income');
+        } else if (event.direction === 'transfer') {
+          setDirection('transfer');
+        } else {
+          setDirection('expense');
+        }
+        // 5. 自动分类：根据商户名/备注匹配分类（与 BillPipeline 分类逻辑一致）
+        const matchText = [event.counterparty, event.memo].filter(Boolean).join(' ');
+        if (matchText) {
+          const type = event.direction === 'income' ? 'income' : 'expense';
+          const candidates = categories.filter(c => c.type === type);
+          const match = matchCategory(matchText, candidates);
+          if (match.category) {
+            setSelectedCategory(match.category);
+          }
+        }
+        setStatus(t('ocr.success'));
+      } else {
+        setStatus(t('ocr.failed'));
+      }
+    } catch (e) {
+      setStatus(t('ocr.failed') + ': ' + (e instanceof Error ? e.message : String(e)));
+    }
+  };
+
+  // 从 SpeedDial OCR 入口进入时自动触发
+  useEffect(() => {
+    if (mode === 'ocr') {
+      handleOcrScan();
+    }
+  }, [mode]);
+
+  const submit = () => {
+    const tagNames = selectedTags.map(tg => tg.name);
+
+    if (isAdvanced) {
+      // 高级模式：校验多 postings
+      const validPostings = postings.filter(p => p.account.trim());
+      if (validPostings.length < 2) {
+        setStatus(t('transaction.atLeast2Postings'));
+        return;
+      }
+
+      // 实时借贷平衡验证
+      const currencySum: Record<string, number> = {};
+      for (const p of validPostings) {
+        if (p.amount && p.currency) {
+          const val = parseFloat(p.amount);
+          if (!isNaN(val)) {
+            currencySum[p.currency] = (currencySum[p.currency] || 0) + val;
+          }
+        }
+      }
+
+      const isBalanced = Object.values(currencySum).every(sum => Math.abs(sum) < 0.001);
+      if (!isBalanced) {
+        setStatus(t('transaction.unbalanced'));
+        return;
+      }
+
+      const draft = {
+        date,
+        flag: editId ? editFlag : undefined,
+        narration: narration.trim() || t('transaction.defaultAdvancedNarration'),
+        postings: validPostings,
+        tags: tagNames,
+        links: editId && editLinks.length > 0 ? editLinks : undefined,
+        metadata: editId ? editMetadata : undefined,
+      };
+
+      if (editId && oldRaw) {
+        // 编辑模式：序列化新内容并替换旧块
+        const newRaw = serializeTransaction(draft);
+        editTransaction(oldRaw, newRaw).then(() => {
+          setIsSubmitted(true);
+          setStatus(t('transaction.editSuccess'));
+          setTimeout(() => router.back(), 600);
+        }).catch(e => setStatus(String(e)));
+      } else {
+        addTransaction(draft).then(() => {
+          setIsSubmitted(true);
+          setStatus(t('transaction.appended'));
+          setNarration('');
+          setSelectedTags([]);
+          setTimeout(() => router.back(), 600);
+        }).catch(e => setStatus(String(e)));
+      }
+
+    } else {
+      // 简单模式：调用统一的 buildAndSaveTransaction 构建复式 postings 并保存
+      const amt = amount.trim();
+      if (!amt) {
+        setStatus(t('transaction.amountRequired'));
+        return;
+      }
+
+      if (direction === 'transfer' && sourceAccount === targetAccount) {
+        setStatus(t('transaction.sameAccountError'));
+        return;
+      }
+
+      const categoryAccount = selectedCategory?.linkedAccount ?? 'Expenses:Uncategorized';
+
+      if (editId && oldRaw) {
+        // 编辑模式：由于编辑模式需要保留原始元数据并替换原始代码块，我们仍然就地拼装 draft 并执行 editTransaction
+        let finalPostings: Posting[];
+        if (direction === 'expense') {
+          finalPostings = [
+            { account: sourceAccount, amount: `-${amt}`, currency },
+            { account: categoryAccount, amount: amt, currency },
+          ];
+        } else if (direction === 'income') {
+          finalPostings = [
+            { account: sourceAccount, amount: amt, currency },
+            { account: categoryAccount, amount: `-${amt}`, currency },
+          ];
+        } else {
+          finalPostings = [
+            { account: sourceAccount, amount: `-${amt}`, currency },
+            { account: targetAccount, amount: amt, currency },
+          ];
+        }
+
+        const draft = {
+          date,
+          payee: payee.trim() || undefined,
+          flag: editFlag,
+          narration: narration.trim() || (
+            direction === 'expense' ? t('transaction.narrationDefaultExpense') :
+            direction === 'income' ? t('transaction.narrationDefaultIncome') :
+            t('transaction.narrationDefaultTransfer')
+          ),
+          postings: finalPostings,
+          tags: tagNames,
+          links: editLinks.length > 0 ? editLinks : undefined,
+          metadata: editMetadata,
+        };
+
+        const newRaw = serializeTransaction(draft);
+        editTransaction(oldRaw, newRaw).then(() => {
+          setIsSubmitted(true);
+          setStatus(t('transaction.editSuccess'));
+          setTimeout(() => router.back(), 600);
+        }).catch(e => setStatus(String(e)));
+      } else {
+        // 新建交易：直接调用统一的共享逻辑函数
+        buildAndSaveTransaction({
+          date,
+          amount: amt,
+          payee: payee.trim() || undefined,
+          narration: narration.trim() || (
+            direction === 'expense' ? t('transaction.narrationDefaultExpense') :
+            direction === 'income' ? t('transaction.narrationDefaultIncome') :
+            t('transaction.narrationDefaultTransfer')
+          ),
+          categoryAccount: direction === 'transfer' ? targetAccount : categoryAccount,
+          sourceAccount,
+          direction,
+          currency,
+          tags: tagNames,
+          links: editLinks.length > 0 ? editLinks : undefined,
+          metadata: editMetadata,
+        }).then(() => {
+          setIsSubmitted(true);
+          setStatus(t('transaction.appended'));
+          setAmount('');
+          setNarration('');
+          setSelectedCategory(null);
+          setSelectedTags([]);
+          setTimeout(() => router.back(), 600);
+        }).catch(e => setStatus(String(e)));
+      }
+    }
+  };
+
+  const directions: { key: Direction; label: string; color: string }[] = [
+    { key: 'expense', label: t('transaction.directionExpense'), color: theme.colors.financial.expense },
+    { key: 'income', label: t('transaction.directionIncome'), color: theme.colors.financial.income },
+    { key: 'transfer', label: t('transaction.directionTransfer'), color: theme.colors.financial.transfer },
+  ];
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['bottom', 'left', 'right']}>
+      <ScrollView contentContainerStyle={[styles.content, { gap: theme.spacing.md }]}>
+        {/* 高级模式模式切换开关 */}
+        <View style={commonStyles.switchRow}>
+          <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, fontWeight: '700', fontFamily: theme.typography.body.fontFamily }]}>
+            {t('transaction.advancedMode')}
+          </Text>
+          <Switch
+            value={isAdvanced}
+            onValueChange={(val) => {
+              setIsAdvanced(val);
+              // 同步初始化当前分录
+              if (val) {
+                const amt = amount.trim();
+                const categoryAccount = selectedCategory?.linkedAccount ?? 'Expenses:Uncategorized';
+                if (direction === 'expense') {
+                  setPostings([
+                    { account: sourceAccount, amount: amt ? `-${amt}` : '', currency: 'CNY' },
+                    { account: categoryAccount, amount: amt || '', currency: 'CNY' },
+                  ]);
+                } else if (direction === 'income') {
+                  setPostings([
+                    { account: sourceAccount, amount: amt || '', currency: 'CNY' },
+                    { account: categoryAccount, amount: amt ? `-${amt}` : '', currency: 'CNY' },
+                  ]);
+                } else {
+                  setPostings([
+                    { account: sourceAccount, amount: amt ? `-${amt}` : '', currency: 'CNY' },
+                    { account: targetAccount, amount: amt || '', currency: 'CNY' },
+                  ]);
+                }
+              }
+            }}
+            trackColor={{ false: theme.colors.bgPrimary, true: theme.colors.accent }}
+            thumbColor={theme.colors.fgInverse}
+          />
+        </View>
+
+        {/* 简单模式下的方向选择 */}
+        {!isAdvanced && (
+          <View style={styles.directionRow}>
+            {directions.map(d => (
+              <Pressable
+                key={d.key}
+                onPress={() => { setDirection(d.key); setSelectedCategory(null); }}
+                style={[
+                  commonStyles.chip,
+                  direction === d.key && commonStyles.chipActive,
+                  { flex: 1, alignItems: 'center' }
+                ]}
+              >
+                <Text style={[
+                  commonStyles.chipText,
+                  direction === d.key && commonStyles.chipTextActive,
+                  { fontFamily: theme.typography.caption.fontFamily }
+                ]}>
+                  {d.label}
+                </Text>
+              </Pressable>
+            ))}
+            <Pressable
+              onPress={handleOcrScan}
+              style={[
+                commonStyles.chip,
+                { alignItems: 'center', minWidth: 60, borderColor: theme.colors.accent }
+              ]}
+            >
+              <Text style={[commonStyles.chipText, { color: theme.colors.accent, fontFamily: theme.typography.caption.fontFamily }]}>
+                {t('home.ocrScan')}
+              </Text>
+            </Pressable>
+          </View>
+        )}
+
+        {/* 主输入区域：金额与账户 (简单模式) 或 分录编辑器 (高级模式) */}
+        {!isAdvanced ? (
+          <Card title={t('transaction.newTitle')}>
+            {/* 金额 */}
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginBottom: 4, fontFamily: theme.typography.caption.fontFamily }]}>
+              {t('transaction.amountPlaceholder')}
+            </Text>
+            <View style={{ flexDirection: 'row', gap: 8 }}>
+              <TextInput
+                value={amount}
+                onChangeText={setAmount}
+                autoFocus={editId ? false : true}
+                keyboardType="decimal-pad"
+                placeholder={t('transaction.amountPlaceholder')}
+                placeholderTextColor={theme.colors.fgSecondary}
+                style={[commonStyles.input, { flex: 1, fontFamily: 'monospace', fontSize: 16 }]}
+              />
+              <TextInput
+                value={currency}
+                onChangeText={setCurrency}
+                placeholder="CNY"
+                maxLength={3}
+                autoCapitalize="characters"
+                style={[commonStyles.input, { width: 70, textAlign: 'center' }]}
+              />
+            </View>
+
+            {/* 来源账户 */}
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginBottom: 4, marginTop: 10, fontFamily: theme.typography.caption.fontFamily }]}>
+              {t('transaction.formSourceAccount')}
+            </Text>
+            <TextInput
+              value={sourceAccount}
+              onChangeText={setSourceAccount}
+              placeholder="Assets:支付宝余额"
+              placeholderTextColor={theme.colors.fgSecondary}
+              style={commonStyles.input}
+            />
+
+            {/* 快捷来源账户选择 */}
+            <View style={{ flexDirection: 'row', flexWrap: 'wrap', gap: 6, marginTop: 8 }}>
+              {assetAccounts.map(acct => {
+                const active = sourceAccount === acct;
+                const shortName = acct.split(':').pop() || acct;
+                return (
+                  <Pressable
+                    key={`src-${acct}`}
+                    onPress={() => setSourceAccount(acct)}
+                    style={[
+                      commonStyles.chip,
+                      active && { backgroundColor: theme.colors.accentLight, borderColor: theme.colors.accent },
+                      { paddingVertical: 4, paddingHorizontal: 8 }
+                    ]}
+                  >
+                    <Text style={[
+                      commonStyles.chipText,
+                      { fontSize: 11 },
+                      active && { color: theme.colors.accent, fontWeight: '700' }
+                    ]}>
+                      {shortName}
+                    </Text>
+                  </Pressable>
+                );
+              })}
+            </View>
+
+            {/* 目标账户 (仅在转账时显示) */}
+            {direction === 'transfer' && (
+              <View style={{ marginTop: 10 }}>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginBottom: 4, fontFamily: theme.typography.caption.fontFamily }]}>
+                  {t('transaction.targetAccount')}
+                </Text>
+                <TextInput
+                  value={targetAccount}
+                  onChangeText={setTargetAccount}
+                  placeholder="Assets:WeChat"
+                  placeholderTextColor={theme.colors.fgSecondary}
+                  style={commonStyles.input}
+                />
+                {/* 快捷目标账户选择 */}
+                <View style={{ flexDirection: 'row', flexWrap: 'wrap', gap: 6, marginTop: 8 }}>
+                  {assetAccounts.map(acct => {
+                    const active = targetAccount === acct;
+                    const shortName = acct.split(':').pop() || acct;
+                    return (
+                      <Pressable
+                        key={`tgt-${acct}`}
+                        onPress={() => setTargetAccount(acct)}
+                        style={[
+                          commonStyles.chip,
+                          active && { backgroundColor: theme.colors.accentLight, borderColor: theme.colors.accent },
+                          { paddingVertical: 4, paddingHorizontal: 8 }
+                        ]}
+                      >
+                        <Text style={[
+                          commonStyles.chipText,
+                          { fontSize: 11 },
+                          active && { color: theme.colors.accent, fontWeight: '700' }
+                        ]}>
+                          {shortName}
+                        </Text>
+                      </Pressable>
+                    );
+                  })}
+                </View>
+              </View>
+            )}
+          </Card>
+        ) : (
+          <Card title={t('transaction.newTitle')}>
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginBottom: 8, fontFamily: theme.typography.caption.fontFamily }]}>
+              {t('transaction.postingsList')}
+            </Text>
+            
+            <PostingEditor 
+              postings={postings} 
+              onChange={(p) => setPostings(p)} 
+            />
+            
+            <View style={styles.postingBtnRow}>
+              <View style={{ flex: 1 }}>
+                <Button
+                  label={t('transaction.addPosting')}
+                  onPress={() => setPostings([...postings, { account: '', amount: '', currency: 'CNY' }])}
+                  variant="secondary"
+                />
+              </View>
+              <View style={{ flex: 1 }}>
+                <Button
+                  label={t('transaction.deleteLastPosting')}
+                  onPress={() => postings.length > 2 && setPostings(postings.slice(0, -1))}
+                  variant="secondary"
+                />
+              </View>
+            </View>
+          </Card>
+        )}
+
+        {/* 简单模式下的分类选择 */}
+        {!isAdvanced && direction !== 'transfer' && (
+          <Card title={direction === 'income' ? t('transaction.formCategoryIncome') : t('transaction.formCategoryExpense')}>
+            <CategoryPicker
+              categories={availableCategories}
+              selectedId={selectedCategory?.id}
+              onSelect={(cat) => setSelectedCategory(cat)}
+            />
+            {selectedCategory && (
+              <View style={{ flexDirection: 'row', alignItems: 'center', gap: 4, marginTop: 8 }}>
+                <Ionicons name="arrow-forward-outline" size={12} color={theme.colors.fgSecondary} />
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, fontFamily: theme.typography.caption.fontFamily }]}>
+                  {selectedCategory.linkedAccount}
+                </Text>
+              </View>
+            )}
+          </Card>
+        )}
+
+        {/* 详情与高级字段收纳区 */}
+        <Pressable
+          onPress={() => {
+            LayoutAnimation.easeInEaseOut();
+            setShowDetails(!showDetails);
+          }}
+          style={({ pressed }) => [
+            styles.detailsToggle,
+            {
+              borderColor: theme.colors.border,
+              backgroundColor: theme.colors.bgSecondary,
+              opacity: pressed ? 0.8 : 1,
+              flexDirection: 'row',
+              gap: 6
+            }
+          ]}
+        >
+          <Text style={[theme.typography.bodySmall, { color: theme.colors.accent, fontWeight: '700', fontFamily: theme.typography.bodySmall.fontFamily }]}>
+            {showDetails ? t('transaction.hideDetails') : t('transaction.addDetails')}
+          </Text>
+          <Ionicons
+            name={showDetails ? 'chevron-up-outline' : 'chevron-down-outline'}
+            size={16}
+            color={theme.colors.accent}
+          />
+        </Pressable>
+
+        {showDetails && (
+          <View style={{ gap: theme.spacing.md }}>
+            <Card title={t('transaction.extraDetails')}>
+              {/* 日期 */}
+              <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginBottom: 4, fontFamily: theme.typography.caption.fontFamily }]}>
+                {t('transaction.formDate')}
+              </Text>
+              <TextInput
+                value={date}
+                onChangeText={setDate}
+                placeholder="YYYY-MM-DD"
+                placeholderTextColor={theme.colors.fgSecondary}
+                style={commonStyles.input}
+              />
+
+              {/* 摘要 */}
+              <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginBottom: 4, marginTop: 10, fontFamily: theme.typography.caption.fontFamily }]}>
+                {t('transaction.formNarration')}
+              </Text>
+              <TextInput
+                value={narration}
+                onChangeText={setNarration}
+                placeholder={t('transaction.formNarration')}
+                placeholderTextColor={theme.colors.fgSecondary}
+                style={commonStyles.input}
+              />
+
+              {/* 收款方（简单模式才显示） */}
+              {!isAdvanced && (
+                <>
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginBottom: 4, marginTop: 10, fontFamily: theme.typography.caption.fontFamily }]}>
+                    {t('transaction.formPayee')}
+                  </Text>
+                  <TextInput
+                    value={payee}
+                    onChangeText={setPayee}
+                    placeholder={t('transaction.formPayeePlaceholder')}
+                    placeholderTextColor={theme.colors.fgSecondary}
+                    style={commonStyles.input}
+                  />
+                </>
+              )}
+            </Card>
+
+            {/* 标签选择 */}
+            <Card title={t('transaction.formTags')}>
+              <TagPicker
+                tags={tags}
+                selectedNames={selectedTags.map(tg => tg.name)}
+                onToggle={toggleTag}
+              />
+              {selectedTags.length > 0 && (
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 8, fontFamily: theme.typography.caption.fontFamily }]}>
+                  {t('transaction.formTagsWillWrite')}: {tagsToBeanSyntax(selectedTags)}
+                </Text>
+              )}
+            </Card>
+          </View>
+        )}
+
+        <Button label={t('transaction.submit')} onPress={submit} />
+        {status ? <Text style={[theme.typography.bodySmall, { color: theme.colors.fgSecondary, textAlign: 'center', marginTop: 8, fontFamily: theme.typography.bodySmall.fontFamily }]}>{status}</Text> : null}
+      </ScrollView>
+    </SafeAreaView>
+  );
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  content: { padding: 16, paddingBottom: 40 },
+  directionRow: { flexDirection: 'row', gap: 8, marginBottom: 4 },
+  postingBtnRow: { flexDirection: 'row', gap: 8, marginTop: 8 },
+  detailsToggle: { paddingVertical: 12, paddingHorizontal: 16, borderRadius: 12, borderWidth: StyleSheet.hairlineWidth, alignItems: 'center', justifyContent: 'center', marginTop: 4 },
+});
--- a/src/components/AccountTree.tsx
+++ b/src/components/AccountTree.tsx
@ -0,0 +1,47 @@
+import React from 'react';
+import { StyleSheet, Text, View } from 'react-native';
+import { useTheme } from '../theme';
+import { calculateAccountTotalBalance, type AccountNode } from '../domain/accountTree';
+
+interface AccountTreeProps {
+  nodes: AccountNode[];
+  /** 最大展示深度（默认全部）。 */
+  maxDepth?: number;
+}
+
+/** 账户树展示（主题化，缩进显示层级 + 余额）。 */
+export function AccountTree({ nodes, maxDepth = Infinity }: AccountTreeProps) {
+  const { theme } = useTheme();
+  return (
+    <View style={{ gap: 4 }}>
+      {nodes.map(node => (
+        <AccountTreeNode key={node.fullName} node={node} depth={0} maxDepth={maxDepth} />
+      ))}
+    </View>
+  );
+}
+
+function AccountTreeNode({ node, depth, maxDepth }: { node: AccountNode; depth: number; maxDepth: number }) {
+  const { theme } = useTheme();
+  const total = calculateAccountTotalBalance(node);
+  const isLeaf = node.children.length === 0;
+  return (
+    <View>
+      <View style={[styles.row, { paddingLeft: depth * 16 }]}>
+        <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary, fontWeight: depth === 0 ? '700' : '400' }]}>
+          {isLeaf ? '• ' : ''}{node.name}
+        </Text>
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+          {total}
+        </Text>
+      </View>
+      {depth < maxDepth && node.children.map(child => (
+        <AccountTreeNode key={child.fullName} node={child} depth={depth + 1} maxDepth={maxDepth} />
+      ))}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  row: { flexDirection: 'row', justifyContent: 'space-between', alignItems: 'center', paddingVertical: 4 },
+});
--- a/src/components/BalanceIndicator.tsx
+++ b/src/components/BalanceIndicator.tsx
@ -0,0 +1,33 @@
+import React from 'react';
+import { StyleSheet, Text, View } from 'react-native';
+import { useTheme } from '../theme';
+import { useT } from '../i18n';
+
+interface BalanceIndicatorProps {
+  /** 各币种余额。 */
+  balances: Record<string, string>;
+}
+
+/** 借贷平衡指示器（主题化）。所有币种余额为 0 时显示「平衡」。 */
+export function BalanceIndicator({ balances }: BalanceIndicatorProps) {
+  const { theme } = useTheme();
+  const t = useT();
+  const allBalanced = Object.values(balances).every(b => b === '0');
+
+  return (
+    <View style={[styles.container, { backgroundColor: theme.colors.bgTertiary, borderRadius: theme.radii.sm }]}>
+      <Text style={[theme.typography.caption, { color: allBalanced ? theme.colors.success : theme.colors.error, fontWeight: '700' }]}>
+        {allBalanced ? t('home.balanced') : t('home.unbalanced')}
+      </Text>
+      {!allBalanced && Object.entries(balances).map(([cur, amt]) => (
+        <Text key={cur} style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+          {cur}: {amt}
+        </Text>
+      ))}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  container: { padding: 8, gap: 2, flexDirection: 'row', flexWrap: 'wrap', alignItems: 'center' },
+});
--- a/src/components/Button.tsx
+++ b/src/components/Button.tsx
@ -0,0 +1,73 @@
+import React, { useRef } from 'react';
+import { Animated, Pressable, StyleSheet, Text } from 'react-native';
+import { useTheme } from '../theme';
+
+interface ButtonProps {
+  label: string;
+  onPress: () => void;
+  variant?: 'primary' | 'secondary' | 'danger';
+  disabled?: boolean;
+}
+
+/** 按钮（主题化，并有触控动效）。primary=主题色，secondary=次级容器，danger=错误色。 */
+export function Button({ label, onPress, variant = 'primary', disabled }: ButtonProps) {
+  const { theme } = useTheme();
+  const scale = useRef(new Animated.Value(1)).current;
+
+  const handlePressIn = () => {
+    Animated.spring(scale, {
+      toValue: 0.96,
+      useNativeDriver: true,
+      tension: 180,
+      friction: 7,
+    }).start();
+  };
+
+  const handlePressOut = () => {
+    Animated.spring(scale, {
+      toValue: 1.0,
+      useNativeDriver: true,
+      tension: 180,
+      friction: 7,
+    }).start();
+  };
+
+  const bg = variant === 'primary' ? theme.colors.accent
+    : variant === 'danger' ? theme.colors.error
+    : theme.colors.bgTertiary;
+  const fg = variant === 'secondary' ? theme.colors.fgPrimary : theme.colors.fgInverse;
+  
+  return (
+    <Pressable
+      accessibilityRole="button"
+      accessibilityLabel={label}
+      accessibilityState={{ disabled: !!disabled }}
+      onPress={onPress}
+      onPressIn={handlePressIn}
+      onPressOut={handlePressOut}
+      disabled={disabled}
+      style={{ marginTop: 6 }}
+    >
+      <Animated.View
+        style={[
+          styles.button,
+          {
+            backgroundColor: bg,
+            borderRadius: theme.radii.lg, // 使用 radii.lg 实现现代大圆角
+            opacity: disabled ? 0.5 : 1,
+            borderWidth: variant === 'secondary' ? StyleSheet.hairlineWidth : 0,
+            borderColor: theme.colors.border,
+            transform: [{ scale }],
+          },
+        ]}
+      >
+        <Text style={[styles.text, { color: fg, fontFamily: theme.typography.body.fontFamily }]}>{label}</Text>
+      </Animated.View>
+    </Pressable>
+  );
+}
+
+const styles = StyleSheet.create({
+  button: { paddingVertical: 12, paddingHorizontal: 16, alignItems: 'center' },
+  text: { fontWeight: '700', fontSize: 16 },
+});
--- a/src/components/CalendarView.tsx
+++ b/src/components/CalendarView.tsx
@ -0,0 +1,124 @@
+import React, { useMemo, useState } from 'react';
+import { Pressable, StyleSheet, Text, View } from 'react-native';
+import { useTheme } from '../theme';
+import { getMonthGrid, type DayCell } from '../domain/calendarGrid';
+import { dailyExpenseMap } from '../domain/chartStats';
+import type { Transaction } from '../domain/types';
+
+interface CalendarViewProps {
+  transactions: Transaction[];
+  /** 当前展示的年份。 */
+  year: number;
+  /** 当前展示的月份（1-12）。 */
+  month: number;
+  /** 选中日期变化回调（YYYY-MM-DD）。 */
+  onDayPress?: (date: string) => void;
+}
+
+const WEEKDAYS = ['日', '一', '二', '三', '四', '五', '六'];
+
+export function CalendarView({ transactions, year, month, onDayPress }: CalendarViewProps) {
+  const { theme } = useTheme();
+  const [selectedDate, setSelectedDate] = useState<string | null>(null);
+
+  const weeks = useMemo(() => getMonthGrid(year, month, transactions), [year, month, transactions]);
+  const dailyMap = useMemo(() => dailyExpenseMap(transactions), [transactions]);
+  const maxDaily = useMemo(() => Math.max(...dailyMap.values(), 1), [dailyMap]);
+
+  const handlePress = (cell: DayCell) => {
+    if (!cell.isCurrentMonth) return;
+    setSelectedDate(cell.date);
+    onDayPress?.(cell.date);
+  };
+
+  return (
+    <View style={[styles.container, { backgroundColor: theme.colors.bgSecondary, borderRadius: theme.radii.md, padding: theme.spacing.sm }]}>
+      {/* 星期表头 */}
+      <View style={styles.weekdayRow}>
+        {WEEKDAYS.map(d => (
+          <Text key={d} style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', flex: 1 }]}>
+            {d}
+          </Text>
+        ))}
+      </View>
+      {/* 日期网格 */}
+      {weeks.map((week, wi) => (
+        <View key={wi} style={styles.weekRow}>
+          {week.map(cell => {
+            const isSelected = cell.date === selectedDate;
+            const expense = dailyMap.get(cell.date) ?? 0;
+            const intensity = expense / maxDaily;
+
+            return (
+              <Pressable
+                key={cell.date}
+                onPress={() => handlePress(cell)}
+                disabled={!cell.isCurrentMonth}
+                style={[
+                  styles.dayCell,
+                  {
+                    backgroundColor: isSelected ? theme.colors.accent : 'transparent',
+                    borderRadius: theme.radii.sm,
+                  },
+                ]}
+              >
+                {/* 消费热力图背景叠加层（未选中、当前月且有支出时显示） */}
+                {cell.isCurrentMonth && expense > 0 && !isSelected && (
+                  <View
+                    style={{
+                      position: 'absolute',
+                      top: 2,
+                      bottom: 2,
+                      left: 2,
+                      right: 2,
+                      borderRadius: theme.radii.sm,
+                      backgroundColor: theme.colors.financial.expense,
+                      opacity: 0.12 + intensity * 0.68, // 12% 浅红 ~ 80% 深红
+                    }}
+                  />
+                )}
+
+                <Text style={[
+                  theme.typography.bodySmall,
+                  {
+                    color: !cell.isCurrentMonth
+                      ? theme.colors.border
+                      : isSelected
+                      ? theme.colors.fgInverse
+                      : theme.colors.fgPrimary,
+                    textAlign: 'center',
+                    zIndex: 1,
+                  },
+                ]}>
+                  {cell.day}
+                </Text>
+
+                {/* 交易标记圆点 */}
+                {cell.count > 0 && cell.isCurrentMonth && (
+                  <View style={[styles.dots, { zIndex: 1 }]}>
+                    {cell.hasIncome && (
+                      <View style={[styles.dot, { backgroundColor: isSelected ? theme.colors.fgInverse : theme.colors.financial.income }]} />
+                    )}
+                    {/* 如果没有支出热力图背景，或者选中了，才渲染支出的点，防止视觉元素重复 */}
+                    {cell.hasExpense && (expense === 0 || isSelected) && (
+                      <View style={[styles.dot, { backgroundColor: isSelected ? theme.colors.fgInverse : theme.colors.financial.expense }]} />
+                    )}
+                  </View>
+                )}
+              </Pressable>
+            );
+          })}
+        </View>
+      ))}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  container: { gap: 4 },
+  weekdayRow: { flexDirection: 'row', marginBottom: 4 },
+  weekRow: { flexDirection: 'row' },
+  dayCell: { flex: 1, aspectRatio: 1, alignItems: 'center', justifyContent: 'center', paddingVertical: 4, position: 'relative' },
+  dots: { flexDirection: 'row', gap: 3, marginTop: 2 },
+  dot: { width: 5, height: 5, borderRadius: 2.5 },
+});
--- a/src/components/Card.tsx
+++ b/src/components/Card.tsx
@ -0,0 +1,103 @@
+import React, { useRef } from 'react';
+import { Animated, Pressable, StyleSheet, Text, View, type ViewStyle } from 'react-native';
+import { useTheme } from '../theme';
+
+interface CardProps {
+  title?: string;
+  children: React.ReactNode;
+  onPress?: () => void;
+  style?: ViewStyle;
+}
+
+/** 卡片容器（主题化，并有触控微交互）。 */
+export function Card({ title, children, onPress, style }: CardProps) {
+  const { theme } = useTheme();
+  const scale = useRef(new Animated.Value(1)).current;
+
+  const handlePressIn = () => {
+    Animated.spring(scale, {
+      toValue: 0.98,
+      useNativeDriver: true,
+      tension: 150,
+      friction: 7,
+    }).start();
+  };
+
+  const handlePressOut = () => {
+    Animated.spring(scale, {
+      toValue: 1.0,
+      useNativeDriver: true,
+      tension: 150,
+      friction: 7,
+    }).start();
+  };
+
+  const cardStyle = {
+    backgroundColor: theme.colors.bgSecondary,
+    borderRadius: theme.radii.lg,
+    padding: theme.spacing.md,
+    borderWidth: StyleSheet.hairlineWidth,
+    borderColor: theme.colors.border,
+    ...theme.shadows.sm,
+  };
+
+  if (onPress) {
+    return (
+      <Pressable
+        onPress={onPress}
+        onPressIn={handlePressIn}
+        onPressOut={handlePressOut}
+        style={style}
+      >
+        <Animated.View
+          style={[
+            styles.card,
+            cardStyle,
+            { transform: [{ scale }] },
+          ]}
+        >
+          {title ? (
+            <Text
+              style={[
+                styles.title,
+                { color: theme.colors.fgPrimary },
+                theme.typography.h3,
+              ]}
+            >
+              {title}
+            </Text>
+          ) : null}
+          {children}
+        </Animated.View>
+      </Pressable>
+    );
+  }
+
+  return (
+    <View
+      style={[
+        styles.card,
+        cardStyle,
+        style,
+      ]}
+    >
+      {title ? (
+        <Text
+          style={[
+            styles.title,
+            { color: theme.colors.fgPrimary },
+            theme.typography.h3,
+          ]}
+        >
+          {title}
+        </Text>
+      ) : null}
+      {children}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  card: { gap: 8 },
+  title: { marginBottom: 4 },
+});
--- a/src/components/CategoryPicker.tsx
+++ b/src/components/CategoryPicker.tsx
@ -0,0 +1,118 @@
+import React from 'react';
+import { Pressable, StyleSheet, Text, View } from 'react-native';
+import { useTheme } from '../theme';
+import type { Category } from '../domain/categories';
+
+interface CategoryPickerProps {
+  categories: Category[];
+  selectedId?: string;
+  onSelect: (cat: Category) => void;
+}
+
+const CATEGORY_ICONS: Record<string, string> = {
+  food: '🍔',
+  transport: '🚗',
+  shopping: '🛍️',
+  housing_utility: '💧',
+  housing_rent: '🏠',
+  housing_communication: '📞',
+  entertainment: '🎮',
+  services: '⚙️',
+  personal_care: '💅',
+  clothing: '👕',
+  health: '🏥',
+  learning: '📚',
+  salary: '💰',
+  income_activity: '🧧',
+  income_investment: '📈',
+  fallback: '🏷️',
+};
+
+const CATEGORY_COLORS: Record<string, string> = {
+  food: '#F59E0B',          // Amber
+  transport: '#3B82F6',     // Blue
+  shopping: '#EC4899',      // Pink
+  housing_utility: '#06B6D4',// Cyan
+  housing_rent: '#6366F1',  // Indigo
+  housing_communication: '#8B5CF6', // Purple
+  entertainment: '#10B981', // Emerald
+  services: '#64748B',      // Slate
+  personal_care: '#F43F5E', // Rose
+  clothing: '#14B8A6',      // Teal
+  health: '#EF4444',        // Red
+  learning: '#84CC16',      // Lime
+  salary: '#22C55E',        // Green
+  income_activity: '#EF4444',// Red/Orange
+  income_investment: '#F59E0B', // Amber
+  fallback: '#64748B',
+};
+
+/** 分类选择器（网格卡片化布局）。 */
+export function CategoryPicker({ categories, selectedId, onSelect }: CategoryPickerProps) {
+  const { theme } = useTheme();
+  
+  return (
+    <View style={styles.grid}>
+      {categories.map(cat => {
+        const active = cat.id === selectedId;
+        const icon = CATEGORY_ICONS[cat.id] || CATEGORY_ICONS.fallback;
+        const color = CATEGORY_COLORS[cat.id] || CATEGORY_COLORS.fallback;
+        
+        return (
+          <Pressable
+            key={cat.id}
+            onPress={() => onSelect(cat)}
+            style={({ pressed }) => [
+              styles.item,
+              {
+                backgroundColor: active ? color + '15' : theme.colors.bgTertiary,
+                borderColor: active ? color : theme.colors.border,
+                opacity: pressed ? 0.75 : 1,
+              }
+            ]}
+          >
+            <Text style={[styles.icon, { color }]}>{icon}</Text>
+            <Text
+              style={[
+                styles.label,
+                {
+                  color: active ? theme.colors.fgPrimary : theme.colors.fgSecondary,
+                  fontFamily: theme.typography.caption.fontFamily,
+                  fontWeight: active ? '700' : '500',
+                }
+              ]}
+              numberOfLines={1}
+            >
+              {cat.name}
+            </Text>
+          </Pressable>
+        );
+      })}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  grid: {
+    flexDirection: 'row',
+    flexWrap: 'wrap',
+    gap: 8,
+    paddingVertical: 4,
+  },
+  item: {
+    width: '23%', // 约 4 列排布
+    aspectRatio: 1,
+    alignItems: 'center',
+    justifyContent: 'center',
+    borderRadius: 12,
+    borderWidth: 1,
+    gap: 6,
+    padding: 4,
+  },
+  icon: {
+    fontSize: 22,
+  },
+  label: {
+    fontSize: 12,
+  },
+});
--- a/src/components/DedupBanner.tsx
+++ b/src/components/DedupBanner.tsx
@ -0,0 +1,59 @@
+import React from 'react';
+import { Pressable, StyleSheet, Text, View } from 'react-native';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../theme';
+import { useT } from '../i18n';
+import type { DedupResult } from '../domain/dedup';
+
+interface DedupBannerProps {
+  result: DedupResult;
+  onAccept?: () => void;   // 接受（仍要记账）
+  onReject?: () => void;   // 拒绝（不记）
+}
+
+/** 去重提示横幅（主题化）。展示去重原因 + 操作按钮。 */
+export function DedupBanner({ result, onAccept, onReject }: DedupBannerProps) {
+  const { theme } = useTheme();
+  const t = useT();
+  if (!result.isDuplicate) return null;
+
+  const confidenceColor = result.confidence === 'high'
+    ? theme.colors.error
+    : result.confidence === 'medium'
+    ? theme.colors.warning
+    : theme.colors.fgSecondary;
+
+  return (
+    <View style={[styles.banner, { backgroundColor: theme.colors.bgTertiary, borderLeftColor: confidenceColor }]}>
+      <View style={styles.header}>
+        <Ionicons name="warning" size={18} color={confidenceColor} />
+        <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary, fontWeight: '700' }]}>
+          {t('importFlow.suspectedDuplicate')}
+        </Text>
+        <Text style={[theme.typography.caption, { color: confidenceColor }]}>
+          {result.confidence}
+        </Text>
+      </View>
+      {result.reason && (
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+          {result.reason}
+        </Text>
+      )}
+      <View style={styles.actions}>
+        <Pressable onPress={onReject} style={[styles.btn, { borderColor: theme.colors.border }]}>
+          <Text style={{ color: theme.colors.fgSecondary }}>{t('importFlow.skip')}</Text>
+        </Pressable>
+        <Pressable onPress={onAccept} style={[styles.btn, { backgroundColor: theme.colors.accent, borderColor: theme.colors.accent }]}>
+          <Text style={{ color: theme.colors.fgInverse }}>{t('importFlow.forceImport')}</Text>
+        </Pressable>
+      </View>
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  banner: { borderLeftWidth: 3, borderRadius: 6, padding: 12, gap: 6, marginVertical: 8 },
+  header: { flexDirection: 'row', alignItems: 'center', gap: 6 },
+  actions: { flexDirection: 'row', gap: 8, marginTop: 4 },
+  btn: { paddingVertical: 6, paddingHorizontal: 14, borderRadius: 6, borderWidth: 1 },
+});
--- a/src/components/FormModal.tsx
+++ b/src/components/FormModal.tsx
@ -0,0 +1,148 @@
+/**
+ * 通用模态表单（plan.md 管理页 CRUD）。
+ *
+ * 底部弹出的模态对话框,包含多个文本输入字段 + 确认/取消按钮。
+ * 供分类/标签/预算/信用卡/规则管理页的「添加/编辑」复用。
+ *
+ * 用法:
+ * <FormModal
+ *   visible={true}
+ *   title="添加分类"
+ *   fields={[
+ *     { key: 'name', label: '名称', placeholder: '餐饮' },
+ *     { key: 'linkedAccount', label: '关联账户', placeholder: 'Expenses:餐饮' },
+ *   ]}
+ *   initialValues={{ name: '', linkedAccount: '' }}
+ *   onConfirm={(values) => { /* 保存 *\/ }}
+ *   onCancel={() => { /* 关闭 *\/ }}
+ * />
+ */
+
+import React, { useEffect, useState } from 'react';
+import { Modal, Pressable, ScrollView, StyleSheet, Text, TextInput, View } from 'react-native';
+import { useTheme, createCommonStyles } from '../theme';
+import { useT } from '../i18n';
+import { Button } from './Button';
+
+export interface FormField {
+  /** 字段 key,对应 values 对象的属性名。 */
+  key: string;
+  /** 显示标签。 */
+  label: string;
+  /** 占位提示。 */
+  placeholder?: string;
+  /** 默认值(新增时为空,编辑时预填)。 */
+  defaultValue?: string;
+  /** 键盘类型。 */
+  keyboardType?: 'default' | 'numeric' | 'decimal-pad' | 'phone-pad';
+  /** 多行输入。 */
+  multiline?: boolean;
+}
+
+interface FormModalProps {
+  visible: boolean;
+  title: string;
+  fields: FormField[];
+  onConfirm: (values: Record<string, string>) => void;
+  onCancel: () => void;
+  /** 确认按钮文本(默认「确定」)。 */
+  confirmLabel?: string;
+}
+
+export function FormModal({ visible, title, fields, onConfirm, onCancel, confirmLabel }: FormModalProps) {
+  const { theme } = useTheme();
+  const t = useT();
+  const commonStyles = createCommonStyles(theme);
+  const [values, setValues] = useState<Record<string, string>>({});
+
+  // 每次 visible 变为 true 时,用 fields 的 defaultValue 初始化
+  useEffect(() => {
+    if (visible) {
+      const init: Record<string, string> = {};
+      for (const f of fields) {
+        init[f.key] = f.defaultValue ?? '';
+      }
+      setValues(init);
+    }
+  }, [visible]); // eslint-disable-line react-hooks/exhaustive-deps
+
+  return (
+    <Modal visible={visible} transparent animationType="slide" onRequestClose={onCancel}>
+      <Pressable style={[styles.overlay, { backgroundColor: theme.colors.overlay }]} onPress={onCancel}>
+        <Pressable
+          style={[styles.sheet, {
+            backgroundColor: theme.colors.bgSecondary,
+            borderRadius: theme.radii.lg,
+            borderWidth: StyleSheet.hairlineWidth,
+            borderColor: theme.colors.border,
+          }]}
+          onPress={(e) => e.stopPropagation()}
+        >
+          <View style={[styles.header, { borderBottomColor: theme.colors.divider }]}>
+            <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary }]}>{title}</Text>
+            <Pressable onPress={onCancel} hitSlop={8}>
+              <Text style={[theme.typography.body, { color: theme.colors.fgSecondary }]}>✕</Text>
+            </Pressable>
+          </View>
+
+          <ScrollView style={styles.body}>
+            {fields.map(f => (
+              <View key={f.key} style={styles.field}>
+                <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginBottom: 4 }]}>
+                  {f.label}
+                </Text>
+                <TextInput
+                  value={values[f.key] ?? ''}
+                  onChangeText={(text) => setValues(prev => ({ ...prev, [f.key]: text }))}
+                  placeholder={f.placeholder}
+                  placeholderTextColor={theme.colors.fgSecondary}
+                  keyboardType={f.keyboardType ?? 'default'}
+                  multiline={f.multiline}
+                  style={commonStyles.input}
+                />
+              </View>
+            ))}
+          </ScrollView>
+
+          <View style={styles.actions}>
+            <Button label={t('common.cancel')} onPress={onCancel} variant="secondary" />
+            <View style={{ flex: 1 }} />
+            <Button label={confirmLabel ?? t('common.confirm')} onPress={() => onConfirm(values)} />
+          </View>
+        </Pressable>
+      </Pressable>
+    </Modal>
+  );
+}
+
+const styles = StyleSheet.create({
+  overlay: {
+    flex: 1,
+    justifyContent: 'flex-end',
+  },
+  sheet: {
+    maxHeight: '80%',
+    padding: 20,
+    paddingBottom: 36,
+  },
+  header: {
+    flexDirection: 'row',
+    justifyContent: 'space-between',
+    alignItems: 'center',
+    paddingBottom: 12,
+    borderBottomWidth: 1,
+    marginBottom: 12,
+  },
+  body: {
+    maxHeight: 400,
+  },
+  field: {
+    marginBottom: 12,
+  },
+  actions: {
+    flexDirection: 'row',
+    alignItems: 'center',
+    gap: 8,
+    marginTop: 8,
+  },
+});
--- a/src/components/LockScreen.tsx
+++ b/src/components/LockScreen.tsx
@ -0,0 +1,260 @@
+import React, { useState, useCallback, useEffect } from 'react';
+import { Pressable, StyleSheet, Text, View } from 'react-native';
+import { SafeAreaView } from 'react-native-safe-area-context';
+import { Ionicons } from '@expo/vector-icons';
+import * as SecureStore from 'expo-secure-store';
+import { useTheme } from '../theme';
+import { useT } from '../i18n';
+import { authenticate, RealAuthProvider, hashPin, verifyPin } from '../services/security';
+
+/** SecureStore 中存储 PIN 哈希的 key。 */
+const PIN_HASH_KEY = 'app_pin_hash';
+
+interface LockScreenProps {
+  onUnlock: () => void;
+}
+
+export function LockScreen({ onUnlock }: LockScreenProps) {
+  const { theme } = useTheme();
+  const t = useT();
+  const [error, setError] = useState<string | null>(null);
+  const [retrying, setRetrying] = useState(false);
+  const [showPinInput, setShowPinInput] = useState(false);
+  const [pin, setPin] = useState('');
+  const [hasPin, setHasPin] = useState(true); // 是否已设置过 PIN
+
+  const handleAuth = useCallback(async () => {
+    setRetrying(true);
+    setError(null);
+    const provider = new RealAuthProvider();
+    const result = await authenticate(provider);
+    if (result.success) {
+      onUnlock();
+    } else {
+      setError(t('lockScreen.authFail'));
+      setShowPinInput(true);
+    }
+    setRetrying(false);
+  }, [onUnlock, t]);
+
+  useEffect(() => {
+    // 检查是否已设置 PIN
+    SecureStore.getItemAsync(PIN_HASH_KEY).then(hash => {
+      setHasPin(hash !== null);
+    });
+    // 尝试生物识别
+    handleAuth();
+  }, []);
+
+  const handleKeyPress = async (num: string) => {
+    setError(null);
+    if (pin.length < 4) {
+      const nextPin = pin + num;
+      setPin(nextPin);
+      if (nextPin.length === 4) {
+        // 验证 PIN
+        const storedHash = await SecureStore.getItemAsync(PIN_HASH_KEY);
+        if (storedHash) {
+          const valid = await verifyPin(nextPin, storedHash);
+          if (valid) {
+            onUnlock();
+          } else {
+            setError(t('lockScreen.pinFail'));
+            setTimeout(() => setPin(''), 500);
+          }
+        } else {
+          // 未设置 PIN，直接放行（不应发生——首次设置在 preferences 页）
+          onUnlock();
+        }
+      }
+    }
+  };
+
+  const handleBackspace = () => {
+    setPin(prev => prev.slice(0, -1));
+  };
+
+  const handleClear = () => {
+    setPin('');
+  };
+
+  const renderKey = (val: string) => (
+    <Pressable
+      key={val}
+      onPress={() => handleKeyPress(val)}
+      accessibilityRole="button"
+      accessibilityLabel={val}
+      style={({ pressed }) => [
+        styles.keyBtn,
+        {
+          backgroundColor: theme.colors.bgTertiary,
+          borderColor: theme.colors.border,
+          opacity: pressed ? 0.6 : 1,
+        },
+      ]}
+    >
+      <Text style={[styles.keyText, { color: theme.colors.fgPrimary }]}>{val}</Text>
+    </Pressable>
+  );
+
+  return (
+    <SafeAreaView style={[styles.page, { backgroundColor: theme.colors.bgPrimary }]} edges={['top', 'bottom']}>
+      <View style={styles.content}>
+        {!showPinInput ? (
+          <View style={styles.centerSection}>
+            <View style={[styles.iconWrap, { backgroundColor: theme.colors.bgTertiary }]}>
+              <Ionicons name="lock-closed" size={48} color={theme.colors.accent} />
+            </View>
+            <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, marginTop: 16 }]}>
+              {t('lockScreen.locked')}
+            </Text>
+            <Text style={[theme.typography.body, { color: theme.colors.fgSecondary, marginTop: 8, textAlign: 'center' }]}>
+              {t('lockScreen.bioPrompt')}
+            </Text>
+            {error && (
+              <Text style={[theme.typography.bodySmall, { color: theme.colors.error, marginTop: 12 }]}>
+                {error}
+              </Text>
+            )}
+            <View style={styles.actionRow}>
+              <Pressable
+                onPress={handleAuth}
+                disabled={retrying}
+                accessibilityRole="button"
+                accessibilityLabel={retrying ? t('lockScreen.authenticating') : t('lockScreen.clickUnlock')}
+                style={({ pressed }) => [
+                  styles.unlockBtn,
+                  { backgroundColor: theme.colors.accent, opacity: pressed || retrying ? 0.6 : 1 },
+                ]}
+              >
+                <Text style={[theme.typography.body, { color: theme.colors.fgInverse, fontWeight: '700' }]}>
+                  {retrying ? t('lockScreen.authenticating') : t('lockScreen.clickUnlock')}
+                </Text>
+              </Pressable>
+              {hasPin && (
+                <Pressable
+                  onPress={() => setShowPinInput(true)}
+                  accessibilityRole="button"
+                  accessibilityLabel={t('lockScreen.usePin')}
+                  style={({ pressed }) => [
+                    styles.unlockBtn,
+                    { backgroundColor: theme.colors.bgTertiary, borderWidth: 1, borderColor: theme.colors.border, opacity: pressed ? 0.6 : 1 },
+                  ]}
+                >
+                  <Text style={[theme.typography.body, { color: theme.colors.fgPrimary }]}>
+                    {t('lockScreen.usePin')}
+                  </Text>
+                </Pressable>
+              )}
+            </View>
+          </View>
+        ) : (
+          <View style={styles.pinSection}>
+            <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary, marginBottom: 8 }]}>
+              {t('lockScreen.enterPin')}
+            </Text>
+
+            {/* Dots */}
+            <View style={styles.dotsRow}>
+              {[0, 1, 2, 3].map(i => (
+                <View
+                  key={i}
+                  style={[
+                    styles.dot,
+                    {
+                      backgroundColor: pin.length > i ? theme.colors.accent : theme.colors.border,
+                    },
+                  ]}
+                />
+              ))}
+            </View>
+
+            {error && (
+              <Text style={[theme.typography.bodySmall, { color: theme.colors.error, marginBottom: 16 }]}>
+                {error}
+              </Text>
+            )}
+
+            {/* Keypad Grid */}
+            <View style={styles.grid}>
+              <View style={styles.gridRow}>
+                {renderKey('1')}
+                {renderKey('2')}
+                {renderKey('3')}
+              </View>
+              <View style={styles.gridRow}>
+                {renderKey('4')}
+                {renderKey('5')}
+                {renderKey('6')}
+              </View>
+              <View style={styles.gridRow}>
+                {renderKey('7')}
+                {renderKey('8')}
+                {renderKey('9')}
+              </View>
+              <View style={styles.gridRow}>
+                <Pressable onPress={handleClear} style={styles.utilityBtn} accessibilityRole="button" accessibilityLabel={t('lockScreen.clear')}>
+                  <Text style={[theme.typography.body, { color: theme.colors.fgSecondary }]}>
+                    {t('lockScreen.clear')}
+                  </Text>
+                </Pressable>
+                {renderKey('0')}
+                <Pressable onPress={handleBackspace} style={styles.utilityBtn} accessibilityRole="button" accessibilityLabel="Backspace">
+                  <Ionicons name="backspace-outline" size={24} color={theme.colors.fgSecondary} />
+                </Pressable>
+              </View>
+            </View>
+
+            <Pressable
+              onPress={() => {
+                setShowPinInput(false);
+                setError(null);
+                setPin('');
+              }}
+              style={styles.switchBackBtn}
+              accessibilityRole="button"
+              accessibilityLabel={t('lockScreen.useBio')}
+            >
+              <Text style={[theme.typography.body, { color: theme.colors.accent, fontWeight: '700' }]}>
+                {t('lockScreen.useBio')}
+              </Text>
+            </Pressable>
+          </View>
+        )}
+      </View>
+    </SafeAreaView>
+  );
+}
+
+/** 导出 PIN 设置/验证辅助函数供 settings 页面使用。 */
+export async function setPin(pin: string): Promise<void> {
+  const hash = await hashPin(pin);
+  await SecureStore.setItemAsync(PIN_HASH_KEY, hash);
+}
+
+export async function clearPin(): Promise<void> {
+  await SecureStore.deleteItemAsync(PIN_HASH_KEY);
+}
+
+export async function hasPinSet(): Promise<boolean> {
+  const hash = await SecureStore.getItemAsync(PIN_HASH_KEY);
+  return hash !== null;
+}
+
+const styles = StyleSheet.create({
+  page: { flex: 1 },
+  content: { flex: 1, alignItems: 'center', justifyContent: 'center', padding: 24 },
+  centerSection: { alignItems: 'center', justifyContent: 'center' },
+  iconWrap: { width: 96, height: 96, borderRadius: 48, alignItems: 'center', justifyContent: 'center' },
+  actionRow: { flexDirection: 'row', gap: 12, marginTop: 32 },
+  unlockBtn: { paddingVertical: 14, paddingHorizontal: 28, borderRadius: 12, minWidth: 120, alignItems: 'center' },
+  pinSection: { alignItems: 'center', width: '100%' },
+  dotsRow: { flexDirection: 'row', gap: 20, marginBottom: 24 },
+  dot: { width: 16, height: 16, borderRadius: 8 },
+  grid: { width: '80%', gap: 12 },
+  gridRow: { flexDirection: 'row', justifyContent: 'space-between', gap: 12 },
+  keyBtn: { flex: 1, height: 60, borderRadius: 30, borderWidth: 1, alignItems: 'center', justifyContent: 'center' },
+  keyText: { fontSize: 24, fontWeight: '700' },
+  utilityBtn: { flex: 1, height: 60, alignItems: 'center', justifyContent: 'center' },
+  switchBackBtn: { marginTop: 32, padding: 8 },
+});
--- a/src/components/PostingEditor.tsx
+++ b/src/components/PostingEditor.tsx
@ -0,0 +1,69 @@
+import React from 'react';
+import { StyleSheet, Text, TextInput, View } from 'react-native';
+import { useTheme, createCommonStyles } from '../theme';
+import { BalanceIndicator } from './BalanceIndicator';
+import type { Posting } from '../domain/types';
+import { addDecimals } from '../domain/decimal';
+
+interface PostingEditorProps {
+  postings: Posting[];
+  onChange: (postings: Posting[]) => void;
+  /** 可选账户列表（用于自动补全提示，当前为自由输入）。 */
+  accounts?: string[];
+}
+
+/** 分类编辑器（主题化）：编辑多行 account/amount/currency，实时显示平衡状态。 */
+export function PostingEditor({ postings, onChange }: PostingEditorProps) {
+  const { theme } = useTheme();
+  const commonStyles = createCommonStyles(theme);
+
+  const update = (index: number, patch: Partial<Posting>) => {
+    onChange(postings.map((p, i) => i === index ? { ...p, ...patch } : p));
+  };
+
+  // 计算各币种余额
+  const grouped = new Map<string, string[]>();
+  for (const p of postings) {
+    if (p.amount && p.currency) {
+      grouped.set(p.currency, [...(grouped.get(p.currency) ?? []), p.amount]);
+    }
+  }
+  const balances: Record<string, string> = {};
+  for (const [cur, amts] of grouped) balances[cur] = addDecimals(amts);
+
+  return (
+    <View style={{ gap: 8 }}>
+      {postings.map((p, i) => (
+        <View key={i} style={styles.row}>
+          <TextInput
+            value={p.account}
+            onChangeText={v => update(i, { account: v })}
+            placeholder="账户"
+            placeholderTextColor={theme.colors.fgSecondary}
+            style={[commonStyles.input, { flex: 2 }]}
+          />
+          <TextInput
+            value={p.amount ?? ''}
+            onChangeText={v => update(i, { amount: v })}
+            placeholder="金额"
+            keyboardType="decimal-pad"
+            placeholderTextColor={theme.colors.fgSecondary}
+            style={[commonStyles.input, { flex: 1, fontFamily: 'monospace' }]} // 金额输入也采用等宽字体更专业
+          />
+          <TextInput
+            value={p.currency ?? ''}
+            onChangeText={v => update(i, { currency: v })}
+            placeholder="币种"
+            placeholderTextColor={theme.colors.fgSecondary}
+            style={[commonStyles.input, { width: 60 }]}
+          />
+        </View>
+      ))}
+      <BalanceIndicator balances={balances} />
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  row: { flexDirection: 'row', gap: 6 },
+});
--- a/src/components/SearchBar.tsx
+++ b/src/components/SearchBar.tsx
@ -0,0 +1,45 @@
+import React from 'react';
+import { StyleSheet, TextInput, View } from 'react-native';
+import { Ionicons } from '@expo/vector-icons';
+import { useTheme } from '../theme';
+
+interface SearchBarProps {
+  value: string;
+  onChangeText: (text: string) => void;
+  placeholder?: string;
+}
+
+export function SearchBar({ value, onChangeText, placeholder }: SearchBarProps) {
+  const { theme } = useTheme();
+  return (
+    <View
+      style={[
+        styles.container,
+        {
+          backgroundColor: theme.colors.bgTertiary,
+          borderRadius: theme.radii.lg, // 升级为 lg 圆角
+          borderWidth: StyleSheet.hairlineWidth,
+          borderColor: theme.colors.border,
+        },
+      ]}
+    >
+      <Ionicons name="search" size={18} color={theme.colors.fgSecondary} style={styles.icon} />
+      <TextInput
+        value={value}
+        onChangeText={onChangeText}
+        placeholder={placeholder}
+        placeholderTextColor={theme.colors.fgSecondary}
+        style={[styles.input, { color: theme.colors.fgPrimary }]}
+      />
+      {value ? (
+        <Ionicons name="close-circle" size={18} color={theme.colors.fgSecondary} onPress={() => onChangeText('')} />
+      ) : null}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  container: { flexDirection: 'row', alignItems: 'center', paddingHorizontal: 12, paddingVertical: 8, marginHorizontal: 16, marginBottom: 8 },
+  icon: { marginRight: 8 },
+  input: { flex: 1, padding: 0, fontSize: 16 },
+});
--- a/src/components/SpeedDial.tsx
+++ b/src/components/SpeedDial.tsx
@ -0,0 +1,195 @@
+import React, { useState } from 'react';
+import { Animated, Pressable, StyleSheet, Text, View } from 'react-native';
+import { Ionicons } from '@expo/vector-icons';
+import { useRouter } from 'expo-router';
+import { useTheme } from '../theme';
+import { useT } from '../i18n';
+
+/** 快捷操作项。 */
+export interface SpeedDialAction {
+  key: string;
+  icon: keyof typeof Ionicons.glyphMap;
+  label: string;
+  onPress: () => void;
+}
+
+interface SpeedDialProps {
+  /** 展开式快捷操作列表。不传时保持单按钮行为（记一笔）。 */
+  actions?: SpeedDialAction[];
+}
+
+/**
+ * 浮动操作按钮。
+ * - 无 actions：单个 "+" 按钮，点击跳转记账页
+ * - 有 actions：点击展开多个 mini-FAB 快捷操作（记一笔/拍照识账/导入等）
+ */
+export function SpeedDial({ actions }: SpeedDialProps) {
+  const { theme } = useTheme();
+  const t = useT();
+  const router = useRouter();
+  const [open, setOpen] = useState(false);
+  const [spin] = useState(new Animated.Value(0));
+
+  const hasActions = actions && actions.length > 0;
+
+  const toggle = () => {
+    const next = !open;
+    setOpen(next);
+    Animated.spring(spin, {
+      toValue: next ? 1 : 0,
+      useNativeDriver: true,
+      tension: 80,
+      friction: 8,
+    }).start();
+  };
+
+  const handleAction = (action: SpeedDialAction) => {
+    setOpen(false);
+    Animated.spring(spin, {
+      toValue: 0,
+      useNativeDriver: true,
+      tension: 80,
+      friction: 8,
+    }).start();
+    action.onPress();
+  };
+
+  const mainRotation = spin.interpolate({
+    inputRange: [0, 1],
+    outputRange: ['0deg', '45deg'],
+  });
+
+  const mainIcon = hasActions ? (
+    <Animated.View style={{ transform: [{ rotate: mainRotation }] }}>
+      <Ionicons name="add" size={28} color={theme.colors.fgInverse} />
+    </Animated.View>
+  ) : (
+    <Ionicons name="add" size={28} color={theme.colors.fgInverse} />
+  );
+
+  return (
+    <>
+      {/* 遮罩层：展开时点击空白收起 */}
+      {hasActions && open && (
+        <Pressable
+          onPress={toggle}
+          style={[styles.overlay, { backgroundColor: theme.colors.overlay }]}
+        />
+      )}
+
+      {/* 展开的快捷操作列表 */}
+      {hasActions && (
+        <View style={styles.actionsContainer} pointerEvents={open ? 'auto' : 'none'}>
+          {actions!.map((action, i) => {
+            const offset = 72 + 56 * (actions!.length - 1 - i);
+            const translateY = spin.interpolate({
+              inputRange: [0, 1],
+              outputRange: [0, -offset],
+            });
+            const opacity = spin.interpolate({
+              inputRange: [0, 1],
+              outputRange: [0, 1],
+            });
+            const scale = spin.interpolate({
+              inputRange: [0, 1],
+              outputRange: [0.5, 1],
+            });
+            return (
+              <Animated.View
+                key={action.key}
+                style={[
+                  styles.actionRow,
+                  { transform: [{ translateY }, { scale }], opacity },
+                ]}
+              >
+                <View style={[styles.actionLabel, { backgroundColor: theme.colors.bgSecondary }]}>
+                  <Text style={[theme.typography.caption, { color: theme.colors.fgPrimary }]}>
+                    {action.label}
+                  </Text>
+                </View>
+                <Pressable
+                  onPress={() => handleAction(action)}
+                  accessibilityRole="button"
+                  accessibilityLabel={action.label}
+                  style={({ pressed }) => [
+                    styles.miniFab,
+                    {
+                      backgroundColor: theme.colors.bgSecondary,
+                      borderColor: theme.colors.border,
+                      opacity: pressed ? 0.7 : 1,
+                    },
+                  ]}
+                >
+                  <Ionicons name={action.icon} size={20} color={theme.colors.accent} />
+                </Pressable>
+              </Animated.View>
+            );
+          })}
+        </View>
+      )}
+
+      {/* 主按钮 */}
+      <Pressable
+        onPress={hasActions ? toggle : () => router.push('/transaction/new')}
+        style={({ pressed }) => [
+          styles.fab,
+          {
+            backgroundColor: theme.colors.accent,
+            opacity: pressed ? 0.85 : 1,
+            ...theme.shadows.lg,
+          },
+        ]}
+        accessibilityRole="button"
+        accessibilityLabel={t('home.newTransaction')}
+        accessibilityHint={hasActions ? t('speedDial.expandHint') : undefined}
+      >
+        {mainIcon}
+      </Pressable>
+    </>
+  );
+}
+
+const styles = StyleSheet.create({
+  overlay: {
+    position: 'absolute',
+    top: 0, left: 0, right: 0, bottom: 0,
+    zIndex: 9998,
+  },
+  fab: {
+    position: 'absolute',
+    right: 20,
+    bottom: 20,
+    width: 56,
+    height: 56,
+    borderRadius: 28,
+    alignItems: 'center',
+    justifyContent: 'center',
+    zIndex: 9999,
+  },
+  actionsContainer: {
+    position: 'absolute',
+    right: 28,
+    bottom: 28,
+    zIndex: 9999,
+  },
+  actionRow: {
+    flexDirection: 'row',
+    alignItems: 'center',
+    justifyContent: 'flex-end',
+    gap: 8,
+    marginBottom: 8,
+  },
+  actionLabel: {
+    paddingHorizontal: 10,
+    paddingVertical: 4,
+    borderRadius: 6,
+  },
+  miniFab: {
+    width: 44,
+    height: 44,
+    borderRadius: 22,
+    alignItems: 'center',
+    justifyContent: 'center',
+    borderWidth: 1,
+  },
+});
--- a/src/components/TagPicker.tsx
+++ b/src/components/TagPicker.tsx
@ -0,0 +1,53 @@
+import React from 'react';
+import { Pressable, StyleSheet, Text, View } from 'react-native';
+import { useTheme, createCommonStyles } from '../theme';
+import type { Tag } from '../domain/tags';
+
+interface TagPickerProps {
+  tags: Tag[];
+  selectedNames: string[];
+  onToggle: (tag: Tag) => void;
+}
+
+/** 标签选择器（主题化，多选 chip）。 */
+export function TagPicker({ tags, selectedNames, onToggle }: TagPickerProps) {
+  const { theme } = useTheme();
+  const commonStyles = createCommonStyles(theme);
+  
+  return (
+    <View style={styles.container}>
+      {tags.map(tag => {
+        const active = selectedNames.includes(tag.name);
+        return (
+          <Pressable
+            key={tag.id}
+            onPress={() => onToggle(tag)}
+            style={[
+              commonStyles.chip,
+              {
+                backgroundColor: active ? tag.color : 'transparent',
+                borderColor: active ? tag.color : theme.colors.border,
+              },
+            ]}
+          >
+            <Text
+              style={[
+                commonStyles.chipText,
+                {
+                  color: active ? theme.colors.fgInverse : theme.colors.fgPrimary,
+                  fontSize: 13,
+                },
+              ]}
+            >
+              #{tag.name}
+            </Text>
+          </Pressable>
+        );
+      })}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  container: { flexDirection: 'row', flexWrap: 'wrap', gap: 8, padding: 16 },
+});
--- a/src/components/TransactionCard.tsx
+++ b/src/components/TransactionCard.tsx
@ -0,0 +1,69 @@
+import React from 'react';
+import { Pressable, StyleSheet, Text, View } from 'react-native';
+import { useTheme } from '../theme';
+import { useT } from '../i18n';
+import type { Transaction } from '../domain/types';
+
+interface TransactionCardProps {
+  transaction: Transaction;
+  onPress?: (t: Transaction) => void;
+}
+
+/** 交易卡片（主题化，展示日期/摘要/金额）。 */
+export function TransactionCard({ transaction, onPress }: TransactionCardProps) {
+  const { theme } = useTheme();
+  const t = useT();
+  const isExpense = transaction.postings.some(p => p.account.startsWith('Expenses'));
+  const isIncome = transaction.postings.some(p => p.account.startsWith('Income'));
+  const color = isExpense ? theme.colors.financial.expense : isIncome ? theme.colors.financial.income : theme.colors.financial.transfer;
+  const primaryAmount = transaction.postings.find(p => p.amount)?.amount ?? '';
+
+  return (
+    <Pressable
+      accessibilityRole="button"
+      accessibilityLabel={`${transaction.narration || transaction.payee || ''} ${primaryAmount} ${transaction.date.slice(0, 10)}`}
+      onPress={() => onPress?.(transaction)}
+      style={({ pressed }) => [
+        styles.card,
+        {
+          backgroundColor: theme.colors.bgSecondary,
+          borderRadius: theme.radii.lg, // 升级为大圆角
+          padding: theme.spacing.md,
+          borderWidth: StyleSheet.hairlineWidth, // 添加极细透白边框
+          borderColor: theme.colors.border,
+          opacity: pressed ? 0.8 : 1,
+        },
+      ]}
+    >
+      <View style={styles.row}>
+        <View style={{ flex: 1 }}>
+          <Text style={[theme.typography.body, { color: theme.colors.fgPrimary, fontWeight: '600' }]} numberOfLines={1}>
+            {transaction.narration || transaction.payee || t('transaction.noSummary')}
+          </Text>
+          <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, marginTop: 2 }]}>
+            {transaction.date.slice(0, 10)}
+          </Text>
+        </View>
+        <Text style={[theme.typography.body, { color, fontWeight: '700', fontFamily: 'monospace', fontSize: 15 }]}>
+          {primaryAmount}
+        </Text>
+      </View>
+      {transaction.tags.length > 0 && (
+        <View style={styles.tags}>
+          {transaction.tags.map(tag => (
+            <Text key={tag} style={[styles.tag, { backgroundColor: theme.colors.accentLight, color: theme.colors.accent, fontWeight: '600' }]}>
+              #{tag}
+            </Text>
+          ))}
+        </View>
+      )}
+    </Pressable>
+  );
+}
+
+const styles = StyleSheet.create({
+  card: { marginBottom: 8 },
+  row: { flexDirection: 'row', alignItems: 'center', gap: 8 },
+  tags: { flexDirection: 'row', gap: 4, marginTop: 6, flexWrap: 'wrap' },
+  tag: { fontSize: 11, paddingHorizontal: 6, paddingVertical: 2, borderRadius: 4, overflow: 'hidden' },
+});
--- a/src/components/charts/AnnualReport.tsx
+++ b/src/components/charts/AnnualReport.tsx
@ -0,0 +1,64 @@
+/**
+ * 年度报告图表（plan.md「5.2 年度报告」）。
+ * 展示年度收支/分类/月度趋势。
+ */
+import React from 'react';
+import { StyleSheet, Text, View } from 'react-native';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { generateAnnualReport } from '../../domain/annualReport';
+import { MonthlyReport } from './MonthlyReport';
+import type { Transaction } from '../../domain/types';
+
+export function AnnualReport({ transactions, year }: { transactions: Transaction[]; year: number }) {
+  const { theme } = useTheme();
+  const t = useT();
+  const report = generateAnnualReport(transactions, year);
+
+  return (
+    <View style={styles.container}>
+      <View style={[styles.card, { backgroundColor: theme.colors.bgSecondary, borderRadius: theme.radii.md, padding: theme.spacing.md }]}>
+        <Text style={[theme.typography.h2, { color: theme.colors.fgPrimary }]}>{t('report.annualTitle', { year })}</Text>
+        <View style={styles.statsRow}>
+          <View style={styles.statItem}>
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('report.annualIncome')}</Text>
+            <Text style={[theme.typography.h3, { color: theme.colors.financial.income }]}>{report.totalIncome}</Text>
+          </View>
+          <View style={styles.statItem}>
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('report.annualExpense')}</Text>
+            <Text style={[theme.typography.h3, { color: theme.colors.financial.expense }]}>{report.totalExpense}</Text>
+          </View>
+          <View style={styles.statItem}>
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('report.annualNet')}</Text>
+            <Text style={[theme.typography.h3, { color: theme.colors.accent }]}>{report.netIncome}</Text>
+          </View>
+        </View>
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>
+          {t('report.annualStats', { count: report.transactionCount, avg: report.averageDailyExpense })}
+        </Text>
+      </View>
+
+      {report.topCategories.length > 0 && (
+        <View style={[styles.card, { backgroundColor: theme.colors.bgSecondary, borderRadius: theme.radii.md, padding: theme.spacing.md }]}>
+          <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary }]}>{t('report.topCategory')}</Text>
+          {report.topCategories.slice(0, 5).map(c => (
+            <View key={c.category} style={[styles.catRow, { borderTopColor: theme.colors.progressBg }]}>
+              <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary, flex: 1 }]}>{c.category.replace('Expenses:', '')}</Text>
+              <Text style={[theme.typography.bodySmall, { color: theme.colors.fgSecondary }]}>{c.amount} ({c.percentage}%)</Text>
+            </View>
+          ))}
+        </View>
+      )}
+
+      <MonthlyReport transactions={transactions.filter(t => t.date.startsWith(String(year)))} />
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  container: { gap: 12 },
+  card: { gap: 8 },
+  statsRow: { flexDirection: 'row', justifyContent: 'space-around' },
+  statItem: { alignItems: 'center', gap: 4 },
+  catRow: { flexDirection: 'row', borderTopWidth: 1, paddingTop: 8 },
+});
--- a/src/components/charts/CalendarHeatmap.tsx
+++ b/src/components/charts/CalendarHeatmap.tsx
@ -0,0 +1,73 @@
+/**
+ * 日历热力图（plan.md「5.2 日历热力图」）。
+ * 按日期展示消费强度（颜色深浅）。
+ */
+import React, { useMemo } from 'react';
+import { StyleSheet, Text, View } from 'react-native';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { getMonthGrid } from '../../domain/calendarGrid';
+import { dailyExpenseMap } from '../../domain/chartStats';
+import type { Transaction } from '../../domain/types';
+
+/** 根据强度返回颜色（0-1）。使用 opacity 而非字符串替换，兼容 hex 和 rgb。 */
+function heatColor(intensity: number): { opacity: number } {
+  if (intensity <= 0) return { opacity: 0 };
+  return { opacity: Math.min(0.2 + intensity * 0.8, 1) };
+}
+
+const WEEKDAYS = ['日', '一', '二', '三', '四', '五', '六'];
+
+export function CalendarHeatmap({ transactions, year, month }: { transactions: Transaction[]; year: number; month: number }) {
+  const { theme } = useTheme();
+  const t = useT();
+  const dailyMap = useMemo(() => dailyExpenseMap(transactions), [transactions]);
+  const weeks = useMemo(() => getMonthGrid(year, month, transactions), [year, month, transactions]);
+  const maxDaily = Math.max(...dailyMap.values(), 1);
+
+  return (
+    <View style={[styles.container, { backgroundColor: theme.colors.bgSecondary, borderRadius: theme.radii.md, padding: theme.spacing.sm }]}>
+      <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary, marginBottom: 4 }]}>
+        {t('report.heatmap')}
+      </Text>
+      <View style={styles.weekdayRow}>
+        {WEEKDAYS.map(d => (
+          <Text key={d} style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', flex: 1, fontSize: 10 }]}>
+            {d}
+          </Text>
+        ))}
+      </View>
+      {weeks.map((week, wi) => (
+        <View key={wi} style={styles.weekRow}>
+          {week.map(cell => {
+            const expense = dailyMap.get(cell.date) ?? 0;
+            const intensity = expense / maxDaily;
+            return (
+              <View key={cell.date} style={[
+                styles.cell,
+                {
+                  backgroundColor: cell.isCurrentMonth && expense > 0
+                    ? theme.colors.financial.expense
+                    : 'transparent',
+                  borderColor: theme.colors.border,
+                  opacity: cell.isCurrentMonth ? (expense > 0 ? heatColor(intensity).opacity : 1) : 0.3,
+                },
+              ]}>
+                <Text style={[theme.typography.caption, { fontSize: 10, color: theme.colors.fgSecondary }]}>
+                  {cell.day}
+                </Text>
+              </View>
+            );
+          })}
+        </View>
+      ))}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  container: { gap: 3 },
+  weekdayRow: { flexDirection: 'row', marginBottom: 2 },
+  weekRow: { flexDirection: 'row', gap: 2 },
+  cell: { flex: 1, aspectRatio: 1, alignItems: 'center', justifyContent: 'center', borderRadius: 3, borderWidth: 0.5 },
+});
--- a/src/components/charts/CategoryPie.tsx
+++ b/src/components/charts/CategoryPie.tsx
@ -0,0 +1,56 @@
+/**
+ * 分类占比图（plan.md「5.2 图表与可视化」）。
+ * 采用卡片化布局与磨砂感水平胶囊进度条。
+ */
+import React from 'react';
+import { StyleSheet, Text, View } from 'react-native';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { groupByCategory } from '../../domain/chartStats';
+import type { Transaction } from '../../domain/types';
+
+export function CategoryPie({ transactions }: { transactions: Transaction[] }) {
+  const { theme } = useTheme();
+  const t = useT();
+  const data = groupByCategory(transactions);
+  const maxAmount = Math.max(...data.map(d => d.amount), 1);
+
+  return (
+    <View style={[styles.container, { backgroundColor: theme.colors.bgSecondary, borderRadius: theme.radii.lg, padding: theme.spacing.md }]}>
+      <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary, fontFamily: theme.typography.h3.fontFamily }]}>
+        {t('report.categoryTitle')}
+      </Text>
+      <View style={styles.list}>
+        {data.map(d => (
+          <View key={d.category} style={styles.row}>
+            <Text
+              style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary, flex: 1, fontWeight: '600', fontFamily: theme.typography.bodySmall.fontFamily }]}
+              numberOfLines={1}
+            >
+              {d.category.replace('Expenses:', '').replace('Income:', '')}
+            </Text>
+            <View style={[styles.barWrap, { backgroundColor: theme.colors.bgTertiary, borderColor: theme.colors.border, borderWidth: StyleSheet.hairlineWidth }]}>
+              <View style={[styles.bar, { width: `${(d.amount / maxAmount) * 100}%`, backgroundColor: theme.colors.accent }]} />
+            </View>
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, width: 55, textAlign: 'right', fontFamily: 'monospace', fontSize: 13 }]}>
+              {d.percentage}%
+            </Text>
+          </View>
+        ))}
+      </View>
+      {data.length === 0 && (
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginVertical: 15 }]}>
+          {t('common.noData')}
+        </Text>
+      )}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  container: { gap: 10 },
+  list: { gap: 8 },
+  row: { flexDirection: 'row', alignItems: 'center', gap: 10 },
+  barWrap: { width: 120, height: 8, borderRadius: 4, overflow: 'hidden' },
+  bar: { height: '100%', borderRadius: 4 },
+});
--- a/src/components/charts/MonthlyReport.tsx
+++ b/src/components/charts/MonthlyReport.tsx
@ -0,0 +1,45 @@
+/**
+ * 月度报告图表（plan.md「5.2 图表与可视化」）。
+ * 数据计算为纯函数，图表渲染用简单 RN 组件（避免重图表库依赖）。
+ */
+import React from 'react';
+import { StyleSheet, Text, View } from 'react-native';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { groupByMonth } from '../../domain/chartStats';
+import type { Transaction } from '../../domain/types';
+
+export function MonthlyReport({ transactions }: { transactions: Transaction[] }) {
+  const { theme } = useTheme();
+  const t = useT();
+  const data = groupByMonth(transactions);
+  const maxExpense = Math.max(...data.map(d => d.expense), 1);
+
+  return (
+    <View style={[styles.container, { backgroundColor: theme.colors.bgSecondary, borderRadius: theme.radii.md, padding: theme.spacing.md }]}>
+      <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary }]}>{t('report.monthlyTitle')}</Text>
+      {data.map(d => (
+        <View key={d.month} style={styles.row}>
+          <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, width: 60 }]}>{d.month.slice(5)}</Text>
+          <View style={[styles.barWrap, { backgroundColor: theme.colors.progressBg }]}>
+            <View style={[styles.bar, {
+              width: `${(d.expense / maxExpense) * 100}%`,
+              backgroundColor: theme.colors.financial.expense,
+            }]} />
+          </View>
+          <Text style={[theme.typography.caption, { color: theme.colors.financial.expense }]}>{d.expense.toFixed(0)}</Text>
+        </View>
+      ))}
+      {data.length === 0 && (
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('common.noData')}</Text>
+      )}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  container: { gap: 6 },
+  row: { flexDirection: 'row', alignItems: 'center', gap: 8 },
+  barWrap: { flex: 1, height: 12, borderRadius: 6, overflow: 'hidden' },
+  bar: { height: '100%', borderRadius: 6 },
+});
--- a/src/components/charts/NetWorthChart.tsx
+++ b/src/components/charts/NetWorthChart.tsx
@ -0,0 +1,49 @@
+/**
+ * 净资产趋势图（plan.md「5.2 净资产趋势」）。
+ */
+import React from 'react';
+import { StyleSheet, Text, View } from 'react-native';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import { calculateNetWorthTrend } from '../../domain/netWorth';
+import type { Transaction } from '../../domain/types';
+
+export function NetWorthChart({ transactions, dates }: { transactions: Transaction[]; dates: string[] }) {
+  const { theme } = useTheme();
+  const t = useT();
+  const points = calculateNetWorthTrend(transactions, dates);
+  const maxAbs = Math.max(...points.map(p => Math.abs(parseFloat(p.netWorth))), 1);
+
+  return (
+    <View style={[styles.container, { backgroundColor: theme.colors.bgSecondary, borderRadius: theme.radii.md, padding: theme.spacing.md }]}>
+      <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary }]}>{t('report.netWorthTitle')}</Text>
+      <View style={styles.chart}>
+        {points.map(p => (
+          <View key={p.date} style={styles.col}>
+            <View style={styles.barWrap}>
+              <View style={[styles.bar, {
+                height: `${(Math.abs(parseFloat(p.netWorth)) / maxAbs) * 100}%`,
+                backgroundColor: parseFloat(p.netWorth) >= 0 ? theme.colors.accent : theme.colors.error,
+              }]} />
+            </View>
+            <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, fontSize: 9 }]}>{p.date.slice(5)}</Text>
+          </View>
+        ))}
+      </View>
+      {points.length > 0 && (
+        <Text style={[theme.typography.bodySmall, { color: theme.colors.fgPrimary }]}>
+          {t('report.netWorthCurrent', { amount: points[points.length - 1].netWorth })}
+        </Text>
+      )}
+      {points.length === 0 && <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary }]}>{t('common.noData')}</Text>}
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  container: { gap: 8 },
+  chart: { flexDirection: 'row', alignItems: 'flex-end', height: 120, gap: 4 },
+  col: { flex: 1, alignItems: 'center', gap: 4 },
+  barWrap: { height: 100, justifyContent: 'flex-end', width: '100%', alignItems: 'center' },
+  bar: { width: 12, borderRadius: 3 },
+});
--- a/src/components/charts/TrendLine.tsx
+++ b/src/components/charts/TrendLine.tsx
@ -0,0 +1,189 @@
+/**
+ * 趋势折线图（plan.md「5.2 图表与可视化」）。
+ * 采用 react-native-svg 绘制三次贝塞尔曲线及渐变填充区域。
+ */
+import React from 'react';
+import { StyleSheet, Text, View } from 'react-native';
+import Svg, { Path, Circle, Defs, LinearGradient, Stop } from 'react-native-svg';
+import { useTheme } from '../../theme';
+import { useT } from '../../i18n';
+import type { Transaction } from '../../domain/types';
+import { groupByMonth } from '../../domain/chartStats';
+
+export function TrendLine({ transactions }: { transactions: Transaction[] }) {
+  const { theme } = useTheme();
+  const t = useT();
+  const data = groupByMonth(transactions).slice(-6);
+
+  // 1. 数据配置
+  const width = 300;
+  const height = 120;
+  const paddingX = 20;
+  const paddingY = 15;
+
+  const maxVal = Math.max(...data.flatMap(d => [d.income, d.expense]), 1);
+
+  // 2. 坐标转换计算
+  const pointsIncome = data.map((d, i) => {
+    const x = data.length > 1
+      ? paddingX + (i * (width - 2 * paddingX)) / (data.length - 1)
+      : width / 2;
+    const y = height - paddingY - (d.income / maxVal) * (height - 2 * paddingY);
+    return { x, y };
+  });
+
+  const pointsExpense = data.map((d, i) => {
+    const x = data.length > 1
+      ? paddingX + (i * (width - 2 * paddingX)) / (data.length - 1)
+      : width / 2;
+    const y = height - paddingY - (d.expense / maxVal) * (height - 2 * paddingY);
+    return { x, y };
+  });
+
+  // 3. 贝塞尔曲线生成算法
+  const getBezierPath = (points: { x: number; y: number }[]) => {
+    if (points.length === 0) return '';
+    if (points.length === 1) return `M ${points[0].x} ${points[0].y}`;
+    let path = `M ${points[0].x} ${points[0].y}`;
+    for (let i = 0; i < points.length - 1; i++) {
+      const p0 = points[i];
+      const p1 = points[i + 1];
+      const cp1x = p0.x + (p1.x - p0.x) / 2;
+      const cp1y = p0.y;
+      const cp2x = p0.x + (p1.x - p0.x) / 2;
+      const cp2y = p1.y;
+      path += ` C ${cp1x} ${cp1y}, ${cp2x} ${cp2y}, ${p1.x} ${p1.y}`;
+    }
+    return path;
+  };
+
+  const getClosedBezierPath = (points: { x: number; y: number }[]) => {
+    if (points.length === 0) return '';
+    const linePath = getBezierPath(points);
+    const first = points[0];
+    const last = points[points.length - 1];
+    return `${linePath} L ${last.x} ${height - paddingY} L ${first.x} ${height - paddingY} Z`;
+  };
+
+  const incomePath = getBezierPath(pointsIncome);
+  const incomeClosedPath = getClosedBezierPath(pointsIncome);
+
+  const expensePath = getBezierPath(pointsExpense);
+  const expenseClosedPath = getClosedBezierPath(pointsExpense);
+
+  return (
+    <View style={[styles.container, { backgroundColor: theme.colors.bgSecondary, borderRadius: theme.radii.lg, padding: theme.spacing.md }]}>
+      <Text style={[theme.typography.h3, { color: theme.colors.fgPrimary, fontFamily: theme.typography.h3.fontFamily }]}>
+        {t('report.trendTitle')}
+      </Text>
+      
+      {data.length > 0 ? (
+        <View style={styles.chartWrapper}>
+          <Svg width="100%" height={height} viewBox={`0 0 ${width} ${height}`}>
+            <Defs>
+              <LinearGradient id="incomeGrad" x1="0" y1="0" x2="0" y2="1">
+                <Stop offset="0%" stopColor={theme.colors.financial.income} stopOpacity={0.25} />
+                <Stop offset="100%" stopColor={theme.colors.financial.income} stopOpacity={0.0} />
+              </LinearGradient>
+              <LinearGradient id="expenseGrad" x1="0" y1="0" x2="0" y2="1">
+                <Stop offset="0%" stopColor={theme.colors.financial.expense} stopOpacity={0.25} />
+                <Stop offset="100%" stopColor={theme.colors.financial.expense} stopOpacity={0.0} />
+              </LinearGradient>
+            </Defs>
+
+            {/* 网格线（只绘制一条底线和中线） */}
+            <Path
+              d={`M ${paddingX} ${height / 2} L ${width - paddingX} ${height / 2} M ${paddingX} ${height - paddingY} L ${width - paddingX} ${height - paddingY}`}
+              stroke={theme.colors.divider}
+              strokeWidth={1}
+              strokeDasharray="4 4"
+            />
+
+            {/* 收入填充与折线 */}
+            {incomeClosedPath ? <Path d={incomeClosedPath} fill="url(#incomeGrad)" /> : null}
+            {incomePath ? (
+              <Path
+                d={incomePath}
+                fill="none"
+                stroke={theme.colors.financial.income}
+                strokeWidth={2.5}
+                strokeLinecap="round"
+              />
+            ) : null}
+
+            {/* 支出填充与折线 */}
+            {expenseClosedPath ? <Path d={expenseClosedPath} fill="url(#expenseGrad)" /> : null}
+            {expensePath ? (
+              <Path
+                d={expensePath}
+                fill="none"
+                stroke={theme.colors.financial.expense}
+                strokeWidth={2.5}
+                strokeLinecap="round"
+              />
+            ) : null}
+
+            {/* 数据点标记 */}
+            {pointsIncome.map((p, i) => (
+              <Circle
+                key={`income-dot-${i}`}
+                cx={p.x}
+                cy={p.y}
+                r={3.5}
+                fill={theme.colors.bgSecondary}
+                stroke={theme.colors.financial.income}
+                strokeWidth={2}
+              />
+            ))}
+            {pointsExpense.map((p, i) => (
+              <Circle
+                key={`expense-dot-${i}`}
+                cx={p.x}
+                cy={p.y}
+                r={3.5}
+                fill={theme.colors.bgSecondary}
+                stroke={theme.colors.financial.expense}
+                strokeWidth={2}
+              />
+            ))}
+          </Svg>
+          
+          {/* 月度文本 X 轴 */}
+          <View style={styles.xAxis}>
+            {data.map((d, i) => (
+              <Text
+                key={`x-label-${i}`}
+                style={[theme.typography.caption, { color: theme.colors.fgSecondary, fontSize: 10, fontFamily: theme.typography.caption.fontFamily }]}
+              >
+                {d.month.slice(5)}
+              </Text>
+            ))}
+          </View>
+        </View>
+      ) : (
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, textAlign: 'center', marginVertical: 20 }]}>
+          {t('common.noData')}
+        </Text>
+      )}
+
+      <View style={styles.legend}>
+        <View style={[styles.legendDot, { backgroundColor: theme.colors.financial.income }]} />
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, fontFamily: theme.typography.caption.fontFamily }]}>
+          {t('home.income')}
+        </Text>
+        <View style={[styles.legendDot, { backgroundColor: theme.colors.financial.expense }]} />
+        <Text style={[theme.typography.caption, { color: theme.colors.fgSecondary, fontFamily: theme.typography.caption.fontFamily }]}>
+          {t('home.expense')}
+        </Text>
+      </View>
+    </View>
+  );
+}
+
+const styles = StyleSheet.create({
+  container: { gap: 10 },
+  chartWrapper: { marginTop: 6 },
+  xAxis: { flexDirection: 'row', justifyContent: 'space-between', paddingHorizontal: 12, marginTop: 4 },
+  legend: { flexDirection: 'row', alignItems: 'center', gap: 4, marginTop: 4 },
+  legendDot: { width: 8, height: 8, borderRadius: 4, marginLeft: 8 },
+});
--- a/src/domain/accountTree.ts
+++ b/src/domain/accountTree.ts
@ -0,0 +1,127 @@
+/**
+ * 账户树与报表计算（plan.md「5.1 账户树与报表」）。
+ */
+
+import { addDecimals } from './decimal';
+import { computeAccountBalances } from './ledger';
+import type { Account, LedgerIndex, Transaction } from './types';
+
+export interface AccountNode {
+  name: string;
+  fullName: string;
+  balance: string;
+  children: AccountNode[];
+  depth: number;
+}
+
+/** 构建账户树（按冒号分层）。 */
+export function buildAccountTree(
+  accounts: Map<string, Account>,
+  transactions: Transaction[],
+  ledger?: LedgerIndex,
+): AccountNode[] {
+  // 计算每个账户余额
+  let balances: Map<string, string>;
+  if (ledger) {
+    balances = computeAccountBalances(ledger);
+  } else {
+    balances = new Map<string, string>();
+    for (const t of transactions) {
+      for (const p of t.postings) {
+        if (p.amount) {
+          balances.set(p.account, addDecimals([balances.get(p.account) ?? '0', p.amount]));
+        }
+      }
+    }
+  }
+
+  // 按顶层类型分组（Assets/Liabilities/Income/Expenses/Equity）
+  const roots: AccountNode[] = [];
+  const topLevel = new Set<string>();
+  for (const name of accounts.keys()) {
+    topLevel.add(name.split(':')[0]);
+  }
+
+  for (const root of [...topLevel].sort()) {
+    const rootAccounts = [...accounts.keys()].filter(a => a.startsWith(root + ':') || a === root);
+    roots.push(buildNode(root, root, rootAccounts, balances, 0));
+  }
+  return roots;
+}
+
+function buildNode(
+  segment: string,
+  fullName: string,
+  allAccounts: string[],
+  balances: Map<string, string>,
+  depth: number,
+): AccountNode {
+  const directBalance = balances.get(fullName) ?? '0';
+  // 子账户 = 全名以 fullName: 开头的下一层
+  const childPrefix = fullName + ':';
+  const childSegments = new Set<string>();
+  for (const a of allAccounts) {
+    if (a.startsWith(childPrefix)) {
+      const rest = a.slice(childPrefix.length);
+      const nextSeg = rest.split(':')[0];
+      childSegments.add(nextSeg);
+    }
+  }
+  const children = [...childSegments].sort().map(seg =>
+    buildNode(seg, `${fullName}:${seg}`, allAccounts, balances, depth + 1)
+  );
+  return { name: segment, fullName, balance: directBalance, children, depth };
+}
+
+/** 计算账户总余额（含子账户）。 */
+export function calculateAccountTotalBalance(node: AccountNode): string {
+  const childSum = node.children.reduce((sum, c) => {
+    return addDecimals([sum, calculateAccountTotalBalance(c)]);
+  }, '0');
+  return addDecimals([node.balance, childSum]);
+}
+
+/** 报表计算。 */
+export interface LedgerReport {
+  income: string;
+  expense: string;
+  netIncome: string;
+  assets: string;
+  liabilities: string;
+  netWorth: string;
+}
+
+export function calculateReport(
+  ledger: LedgerIndex,
+  periodStart?: string,
+  periodEnd?: string,
+): LedgerReport {
+  let tx = ledger.transactions;
+  if (periodStart && periodEnd) {
+    tx = tx.filter(t => {
+      const d = t.date.slice(0, 10);
+      return d >= periodStart && d <= periodEnd;
+    });
+  }
+
+  let income = '0', expense = '0', assets = '0', liabilities = '0';
+  for (const t of tx) {
+    for (const p of t.postings) {
+      if (!p.amount) continue;
+      const amt = parseFloat(p.amount);
+      if (p.account.startsWith('Income')) income = addDecimals([income, amt < 0 ? p.amount.slice(1) : p.amount]);
+      if (p.account.startsWith('Expenses') && amt > 0) expense = addDecimals([expense, p.amount]);
+      if (p.account.startsWith('Assets')) assets = addDecimals([assets, p.amount]);
+      if (p.account.startsWith('Liabilities')) liabilities = addDecimals([liabilities, p.amount]);
+    }
+  }
+
+  return {
+    income,
+    expense,
+    netIncome: addDecimals([income, `-${expense}`]),
+    assets,
+    liabilities: liabilities.startsWith('-') ? liabilities.slice(1) : liabilities,
+    netWorth: addDecimals([assets, liabilities.startsWith('-') ? liabilities.slice(1) : `-${liabilities}`]),
+  };
+}
--- a/src/domain/adapters.ts
+++ b/src/domain/adapters.ts
@ -0,0 +1,93 @@
+/**
+ * 银行 CSV 适配器（plan.md「2.5 CSV 导入增强」）。
+ * 补充招商银行、工商银行、通用银行适配器。
+ *
+ * 复用 statements.ts 的 parseCsv 模式，但各银行表头字段不同，
+ * 需要独立的字段映射与方向解析。
+ */
+
+import { detectDirection } from './constants';
+import { negateDecimal } from './decimal';
+import type { ImportedEvent } from './types';
+
+/** 通用 CSV 行解析（与 statements.ts 一致的列提取逻辑）。 */
+function parseCsvRows(content: string): Record<string, string>[] {
+  const lines = content.replace(/^\uFEFF/, '').replace(/\r\n/g, '\n').split('\n').filter(l => l.trim());
+  const headerLine = lines.find(l => /交易|金额|时间|日期|余额|商户|对方/i.test(l));
+  if (!headerLine) throw new Error('未找到账单表头');
+  const headers = headerLine.split(',').map(h => h.trim().replace(/^"|"$/g, ''));
+  return lines.slice(lines.indexOf(headerLine) + 1).map(line => {
+    const values = line.split(',').map(v => v.trim().replace(/^"|"$/g, ''));
+    return Object.fromEntries(headers.map((h, i) => [h, values[i] ?? '']));
+  }).filter(r => Object.values(r).some(Boolean));
+}
+
+function pickFirst(row: Record<string, string>, keys: string[]): string {
+  return keys.map(k => row[k]).find(v => v && v.trim())?.trim() ?? '';
+}
+
+/** 招商银行 CSV 适配器。 */
+export function parseCmbCsv(content: string): ImportedEvent[] {
+  const rows = parseCsvRows(content);
+  return rows.map((row, i) => {
+    let amount = pickFirst(row, ['交易金额', '金额', '发生额']).replace(/[¥￥\s]/g, '').replace(/,/g, '');
+    const type = pickFirst(row, ['交易类型', '摘要', '收/支']);
+    const direction = detectDirection(type + amount);
+    if (direction === 'expense' && !amount.startsWith('-')) amount = negateDecimal(amount);
+    const date = pickFirst(row, ['交易日期', '日期', '时间']).replace(/[/.]/g, '-').slice(0, 10);
+    return {
+      id: `CMB:${pickFirst(row, ['交易序号', '凭证号']) || i}`,
+      occurredAt: date || new Date().toISOString().slice(0, 10),
+      amount,
+      currency: 'CNY',
+      direction,
+      counterparty: pickFirst(row, ['交易对方', '对方账户', '商户名称']),
+      memo: pickFirst(row, ['摘要', '交易描述', '备注']),
+      raw: row,
+    };
+  });
+}
+
+/** 工商银行 CSV 适配器。 */
+export function parseIcbcCsv(content: string): ImportedEvent[] {
+  const rows = parseCsvRows(content);
+  return rows.map((row, i) => {
+    let amount = pickFirst(row, ['交易金额', '金额', '发生额']).replace(/[¥￥\s]/g, '').replace(/,/g, '');
+    const type = pickFirst(row, ['交易类型', '摘要']);
+    const direction = detectDirection(type + amount);
+    if (direction === 'expense' && !amount.startsWith('-')) amount = negateDecimal(amount);
+    const date = pickFirst(row, ['交易时间', '交易日期', '日期']).replace(/[/.]/g, '-').slice(0, 10);
+    return {
+      id: `ICBC:${pickFirst(row, ['流水号', '交易序号']) || i}`,
+      occurredAt: date || new Date().toISOString().slice(0, 10),
+      amount,
+      currency: 'CNY',
+      direction,
+      counterparty: pickFirst(row, ['对方户名', '对方账户', '交易对方']),
+      memo: pickFirst(row, ['摘要', '交易描述', '备注']),
+      raw: row,
+    };
+  });
+}
+
+/** 通用银行 CSV 适配器（未知银行格式）。 */
+export function parseGenericBankCsv(content: string, source = 'bank'): ImportedEvent[] {
+  const rows = parseCsvRows(content);
+  return rows.map((row, i) => {
+    let amount = pickFirst(row, ['金额', '交易金额', '发生额', 'Amount']).replace(/[¥￥\s]/g, '').replace(/,/g, '');
+    const type = pickFirst(row, ['交易类型', '摘要', '收/支', 'Type']);
+    const direction = detectDirection(type + amount);
+    if (direction === 'expense' && !amount.startsWith('-')) amount = negateDecimal(amount);
+    const date = pickFirst(row, ['交易日期', '日期', '时间', 'Date']).replace(/[/.]/g, '-').slice(0, 10);
+    return {
+      id: `${source}:${pickFirst(row, ['交易序号', '流水号', 'id']) || i}`,
+      occurredAt: date || new Date().toISOString().slice(0, 10),
+      amount,
+      currency: pickFirst(row, ['币种', 'Currency']) || 'CNY',
+      direction,
+      counterparty: pickFirst(row, ['交易对方', '对方账户', '商户', 'Counterparty']),
+      memo: pickFirst(row, ['摘要', '备注', '描述', 'Memo']),
+      raw: row,
+    };
+  });
+}
--- a/src/domain/ai.ts
+++ b/src/domain/ai.ts
@ -0,0 +1,194 @@
+/**
+ * AI 功能抽象（plan.md「Phase 8 AI 功能增强」+「8.0 AI Provider 抽象层」）。
+ *
+ * 参考 AutoAccounting 的 BaseOpenAIProvider（8 个 Provider 共用 OpenAI 兼容协议）+ Gemini 独立实现。
+ * 本模块定义接口与纯逻辑（prompt 构建/JSON 解析/脱敏/去思考链），
+ * 网络请求通过注入的 fetch 抽象，使可单测。
+ */
+
+import type { ImportedEvent, LedgerIndex } from './types';
+import type { Category } from './categories';
+
+export interface ChatMessage {
+  role: 'system' | 'user' | 'assistant';
+  content: string;
+}
+
+export interface AiProviderConfig {
+  id: string;
+  name: string;
+  apiKey: string;
+  baseUrl: string;
+  model: string;
+}
+
+/** AI Provider 抽象。 */
+export interface AiProvider {
+  readonly config: AiProviderConfig;
+  chat(messages: ChatMessage[]): Promise<string>;
+}
+
+/** 账单识别结果。 */
+export interface AiBillResult {
+  type: 'income' | 'expense' | 'transfer';
+  amount: string;
+  currency: string;
+  counterparty: string;
+  narration: string;
+  time: string;
+}
+
+// ============ Provider 实现 ============
+
+/** OpenAI 兼容协议（DeepSeek/Kimi/智谱/OpenRouter/QWen/硅基流动/MiMo/ChatGPT 共用）。 */
+export abstract class BaseOpenAIProvider implements AiProvider {
+  constructor(public readonly config: AiProviderConfig) {}
+  protected fetchImpl: (url: string, init: RequestInit) => Promise<Response> = fetch;
+
+  async chat(messages: ChatMessage[]): Promise<string> {
+    const response = await this.fetchImpl(`${this.config.baseUrl}/chat/completions`, {
+      method: 'POST',
+      headers: {
+        'Content-Type': 'application/json',
+        'Authorization': `Bearer ${this.config.apiKey}`,
+      },
+      body: JSON.stringify({ model: this.config.model, messages, temperature: 0.1 }),
+    });
+    if (!response.ok) throw new Error(`AI 请求失败: ${response.status}`);
+    const data = await response.json() as { choices: { message: { content: string } }[] };
+    return data.choices[0].message.content;
+  }
+}
+
+// ============ 纯逻辑工具 ============
+
+/** 去除思考链（DeepSeek-R1 等模型的 <think>...</think>）。 */
+export function removeThink(text: string): string {
+  return text.replace(/<think>[\s\S]*?<\/think>/g, '').trim();
+}
+
+/** 隐私脱敏（plan.md「8.0 隐私脱敏」）。 */
+export function sanitizeForAi(text: string): string {
+  return text
+    .replace(/\b\d{16,19}\b/g, '[卡号]')           // 银行卡号
+    .replace(/\b\d{17,18}(\d|X)\b/g, '[身份证]')     // 身份证
+    .replace(/1[3-9]\d{9}/g, '[手机号]')             // 手机号
+    .replace(/\b\d{6}\b/g, (match, offset, str) => {
+      const ctx = String(str).slice(Math.max(0, offset - 20), offset + 20);
+      return /验证码|验证|code/i.test(ctx) ? '[验证码]' : match;
+    });
+}
+
+/** 从 AI 响应中解析 JSON（容错）。 */
+export function parseAiJson<T>(response: string): T | null {
+  const cleaned = removeThink(response);
+  // 尝试提取 ```json ... ``` 或裸 JSON
+  const jsonMatch = cleaned.match(/```(?:json)?\s*([\s\S]*?)```/) ?? cleaned.match(/(\{[\s\S]*\}|\[[\s\S]*\])/);
+  if (!jsonMatch) return null;
+  try {
+    return JSON.parse(jsonMatch[1].trim()) as T;
+  } catch {
+    return null;
+  }
+}
+
+/** 构建账单识别 prompt（plan.md「8.0 Prompt 工程」）。 */
+export function buildBillRecognitionPrompt(ocrText: string, categories: Category[]): ChatMessage[] {
+  const categoryList = categories.map(c => `${c.name}(${c.type})`).join('、');
+  return [
+    {
+      role: 'system',
+      content: `你是一个账单识别助手。从用户输入中提取账单信息，返回 JSON 数组。
+字段：type(income/expense/transfer)、amount(数字)、currency(默认CNY)、counterparty、narration(≤15字)、time(ISO8601)。
+可用分类：${categoryList}。非账单内容返回空数组 []。只返回 JSON，不要解释。`,
+    },
+    { role: 'user', content: sanitizeForAi(ocrText) },
+  ];
+}
+
+/** 自然语言记账（plan.md「8.1」）。 */
+export function buildNaturalLanguagePrompt(input: string): ChatMessage[] {
+  return [
+    {
+      role: 'system',
+      content: `你是一个记账助手。解析用户输入为交易 JSON：{type,amount,currency,account,counterparty,narration,tags[]}。
+无法解析为交易时，返回纯文本建议。可解析时只返回 JSON。`,
+    },
+    { role: 'user', content: sanitizeForAi(input) },
+  ];
+}
+
+/** 月度总结 prompt（plan.md「8.3」）。 */
+export function buildMonthlySummaryPrompt(stats: {
+  totalExpense: string; totalIncome: string; transactionCount: number;
+  topCategories: { category: string; amount: string }[];
+}): ChatMessage[] {
+  return [
+    {
+      role: 'system',
+      content: '请根据数据生成简洁的中文月度财务总结，给出消费习惯分析和理财建议。',
+    },
+    {
+      role: 'user',
+      content: `总支出: ${stats.totalExpense}\n总收入: ${stats.totalIncome}\n交易笔数: ${stats.transactionCount}\n主要支出: ${stats.topCategories.map(c => `${c.category}:${c.amount}`).join(', ')}`,
+    },
+  ];
+}
+
+/** 分类识别 prompt（plan.md「8.4」）。 */
+export function buildCategoryRecognitionPrompt(event: ImportedEvent, categories: Category[]): ChatMessage[] {
+  const categoryList = categories.map(c => `${c.name}(${c.type})`).join('、');
+  return [
+    { role: 'system', content: `判断交易最合适的分类。可用分类：${categoryList}。只返回分类名称。` },
+    { role: 'user', content: sanitizeForAi(`${event.counterparty} ${event.amount}元 ${event.memo}`) },
+  ];
+}
+
+/** 资产映射 prompt（plan.md「8.5」）。 */
+export function buildAssetMappingPrompt(counterparty: string, accounts: string[]): ChatMessage[] {
+  return [
+    { role: 'system', content: `判断最合适的资产账户。可用账户：${accounts.join('、')}。只返回账户名称。` },
+    { role: 'user', content: sanitizeForAi(`对方: ${counterparty}`) },
+  ];
+}
+
+// ============ 高阶函数（注入 provider） ============
+
+/** 自然语言记账（注入 provider）。 */
+export async function processNaturalLanguage(
+  input: string,
+  provider: AiProvider,
+): Promise<{ type: 'draft'; draft: AiBillResult } | { type: 'text'; text: string }> {
+  const messages = buildNaturalLanguagePrompt(input);
+  const response = await provider.chat(messages);
+  const parsed = parseAiJson<AiBillResult>(response);
+  if (parsed && parsed.amount && parsed.type) {
+    return { type: 'draft', draft: parsed };
+  }
+  return { type: 'text', text: removeThink(response) };
+}
+
+/** AI 分类识别（注入 provider）。 */
+export async function aiRecognizeCategory(
+  event: ImportedEvent,
+  categories: Category[],
+  provider: AiProvider,
+): Promise<Category | null> {
+  const response = await provider.chat(buildCategoryRecognitionPrompt(event, categories));
+  const name = removeThink(response).trim();
+  return categories.find(c => c.name === name) ?? null;
+}
+
+/** AI 资产映射（注入 provider）。 */
+export async function aiMapAsset(
+  counterparty: string,
+  ledger: LedgerIndex,
+  provider: AiProvider,
+): Promise<string | null> {
+  const accounts = [...ledger.accounts.keys()].filter(a =>
+    !a.startsWith('Income') && !a.startsWith('Expenses') && !a.startsWith('Equity')
+  );
+  const response = await provider.chat(buildAssetMappingPrompt(counterparty, accounts));
+  const name = removeThink(response).trim();
+  return accounts.find(a => a === name) ?? null;
+}
--- a/src/domain/annualReport.ts
+++ b/src/domain/annualReport.ts
@ -0,0 +1,126 @@
+/**
+ * 年度报告（plan.md「5.2 年度报告」）。
+ */
+
+import { addDecimals } from './decimal';
+import type { Transaction } from './types';
+
+export interface AnnualReport {
+  year: number;
+  totalIncome: string;
+  totalExpense: string;
+  netIncome: string;
+  topCategories: { category: string; amount: string; percentage: number }[];
+  monthlyTrend: { month: string; income: string; expense: string }[];
+  dayOfWeekBreakdown: { day: string; total: string }[];
+  largestTransaction: Transaction | null;
+  transactionCount: number;
+  averageDailyExpense: string;
+}
+
+const DAY_NAMES = ['周日', '周一', '周二', '周三', '周四', '周五', '周六'];
+
+export function generateAnnualReport(
+  transactions: Transaction[],
+  year: number,
+): AnnualReport {
+  const yearTx = transactions.filter(t => t.date.startsWith(String(year)));
+
+  // 单次遍历：一次性计算所有聚合数据
+  const incomeAmounts: string[] = [];
+  const expenseAmounts: string[] = [];
+  const byCategory = new Map<string, string>();
+  const monthlyIncome = new Map<string, string[]>();
+  const monthlyExpense = new Map<string, string[]>();
+  const byDayOfWeek = new Array(7).fill(0).map(() => [] as string[]);
+  let largest: Transaction | null = null;
+  let maxAmount = 0;
+  const uniqueDays = new Set<string>();
+
+  for (const t of yearTx) {
+    uniqueDays.add(t.date.slice(0, 10));
+    const month = t.date.slice(5, 7);
+
+    for (const p of t.postings) {
+      if (!p.amount) continue;
+      const amt = parseFloat(p.amount);
+
+      // 收入
+      if (p.account.startsWith('Income')) {
+        const abs = amt < 0 ? p.amount.slice(1) : p.amount;
+        incomeAmounts.push(abs);
+        if (!monthlyIncome.has(month)) monthlyIncome.set(month, []);
+        monthlyIncome.get(month)!.push(abs);
+      }
+
+      // 支出
+      if (p.account.startsWith('Expenses') && amt > 0) {
+        expenseAmounts.push(p.amount);
+        const prev = byCategory.get(p.account) ?? '0';
+        byCategory.set(p.account, addDecimals([prev, p.amount]));
+        if (!monthlyExpense.has(month)) monthlyExpense.set(month, []);
+        monthlyExpense.get(month)!.push(p.amount);
+
+        // 星期分布
+        const dow = new Date(t.date.slice(0, 10)).getDay();
+        byDayOfWeek[dow].push(p.amount);
+
+        // 最大交易
+        if (amt > maxAmount) {
+          maxAmount = amt;
+          largest = t;
+        }
+      }
+    }
+  }
+
+  const totalIncome = addDecimals(incomeAmounts);
+  const totalExpense = addDecimals(expenseAmounts);
+  const netIncome = addDecimals([totalIncome, totalExpense]);
+
+  // 月度趋势（单次构建，无循环 filter）
+  const monthlyTrend = Array.from({ length: 12 }, (_, i) => {
+    const m = String(i + 1).padStart(2, '0');
+    return {
+      month: m,
+      income: addDecimals(monthlyIncome.get(m) ?? []),
+      expense: addDecimals(monthlyExpense.get(m) ?? []),
+    };
+  });
+
+  // Top 分类
+  const totalExpenseForPct = expenseAmounts.length > 0 ? addDecimals(expenseAmounts) : '0';
+  const topCategories = [...byCategory.entries()]
+    .map(([category, amount]) => ({
+      category,
+      amount,
+      percentage: parseFloat(totalExpenseForPct) > 0
+        ? Math.round((parseFloat(amount) / parseFloat(totalExpenseForPct)) * 10000) / 100
+        : 0,
+    }))
+    .sort((a, b) => parseFloat(b.amount) - parseFloat(a.amount))
+    .slice(0, 10);
+
+  // 星期分布
+  const dayOfWeekBreakdown = byDayOfWeek.map((amounts, i) => ({
+    day: DAY_NAMES[i],
+    total: addDecimals(amounts),
+  }));
+
+  // 日均支出
+  const days = uniqueDays.size || 1;
+  const averageDailyExpense = (parseFloat(totalExpense) / days).toFixed(2);
+
+  return {
+    year,
+    totalIncome,
+    totalExpense,
+    netIncome,
+    topCategories,
+    monthlyTrend,
+    dayOfWeekBreakdown,
+    largestTransaction: largest,
+    transactionCount: yearTx.length,
+    averageDailyExpense,
+  };
+}
--- a/src/domain/billPipeline.ts
+++ b/src/domain/billPipeline.ts
@ -0,0 +1,188 @@
+import { classifyWithCategories } from './rules';
+import { batchDedup, dedupAgainstHistory, type DedupConfig } from './dedup';
+import { recognizeTransfers, type TransferConfig, type TransferPair } from './transferRecognizer';
+import { compareDecimals, negateDecimal } from './decimal';
+import type { Category } from './categories';
+import type { ImportedEvent, LedgerIndex, Rule, Transaction, TransactionDraft } from './types';
+
+/**
+ * 账单处理责任链（参考 AutoAccounting 的 BillService.analyze + deduplicationMutex）。
+ *
+ * 统一所有入口（手动/CSV/OCR/通知/短信/截图）的处理顺序与并发控制。
+ * 设计见 plan.md「2.8 账单处理责任链」与「决策 6 跨进程通信」。
+ *
+ * 执行顺序（必须严格遵循）：
+ *   1. 转账识别（先于去重，合并 Income+Expend → Transfer）
+ *   2. 多通道去重（时间窗口 + 金额）
+ *   3. 与历史交易去重（避免重复入账）
+ *   4. 资产映射 + 分类（规则 → 分类关键词 → Uncategorized）
+ *   5. 输出草稿（入库由调用方走 MobileBeanStore）
+ */
+
+export interface PipelineContext {
+  ledger: LedgerIndex;
+  rules: Rule[];
+  categories: Category[];
+  /** 已入账的历史交易（用于跨会话去重）。 */
+  history: Transaction[];
+  dedupConfig?: DedupConfig;
+  transferConfig?: TransferConfig;
+}
+
+export interface ProcessedDraft {
+  draft: TransactionDraft;
+  /** 来源事件 id（用于去重标记）。 */
+  sourceEventIds: string[];
+  /** 是否为转账合并。 */
+  isTransfer: boolean;
+  /** 分类降级原因（若有）。 */
+  categoryFallbackReason?: string;
+}
+
+export interface PipelineResult {
+  /** 待入库的草稿。 */
+  drafts: ProcessedDraft[];
+  /** 被去重丢弃的事件。 */
+  duplicates: ImportedEvent[];
+  /** 转账识别统计。 */
+  transferCount: number;
+}
+
+/**
+ * 检查转账草稿是否已存在于历史交易中（避免重复入账）。
+ * 匹配条件：日期相同 + 金额相同 + 两个 posting 账户相同。
+ */
+function isTransferInHistory(transfer: TransferPair, history: Transaction[]): boolean {
+  const draft = transfer.draft;
+  const draftDate = draft.date;
+  const draftAmount = draft.postings[1]?.amount ?? '0'; // 收入方金额（正数）
+  const draftFromAccount = draft.postings[0]?.account;
+  const draftToAccount = draft.postings[1]?.account;
+
+  if (!draftFromAccount || !draftToAccount) return false;
+
+  return history.some(t => {
+    if (t.date !== draftDate) return false;
+    if (t.postings.length !== 2) return false;
+
+    // 检查两个 posting 账户是否匹配（顺序可能不同）
+    const tAccounts = t.postings.map(p => p.account);
+    const accountsMatch =
+      (tAccounts[0] === draftFromAccount && tAccounts[1] === draftToAccount) ||
+      (tAccounts[0] === draftToAccount && tAccounts[1] === draftFromAccount);
+
+    if (!accountsMatch) return false;
+
+    // 检查金额是否匹配
+    const tAmount = t.postings[1]?.amount ?? '0';
+    return compareDecimals(tAmount, draftAmount) === 0;
+  });
+}
+
+export class BillPipeline {
+  /** 串行化锁：整个识别→去重→分类流程互斥，保证并发正确性。 */
+  private mutex: Promise<unknown> = Promise.resolve();
+
+  /**
+   * 处理一批导入事件。
+   * 串行化：多通道并发调用会排队，避免去重/转账识别逻辑错乱。
+   */
+  process(events: ImportedEvent[], ctx: PipelineContext): Promise<PipelineResult> {
+    return this.enqueue(() => this.run(events, ctx));
+  }
+
+  /** 实际处理逻辑（无锁，由 process 保证串行）。 */
+  private async run(events: ImportedEvent[], ctx: PipelineContext): Promise<PipelineResult> {
+    if (events.length === 0) {
+      return { drafts: [], duplicates: [], transferCount: 0 };
+    }
+
+    // 1. 转账识别（先于去重）
+    const { transfers, remaining: afterTransfer } = recognizeTransfers(
+      events,
+      ctx.transferConfig,
+    );
+
+    // 2. 多通道去重（剩余事件之间）
+    const { accepted: afterBatchDedup, duplicates: batchDups } = batchDedup(
+      afterTransfer,
+      ctx.dedupConfig,
+    );
+
+    // 3. 与历史交易去重（避免重复入账）
+    const { accepted: afterHistoryDedup, duplicates: historyDups } = dedupAgainstHistory(
+      afterBatchDedup,
+      ctx.history,
+      ctx.dedupConfig,
+    );
+
+    // 4. 分类（转账已是完整草稿；非转账事件走 classifyWithCategories）
+    const drafts: ProcessedDraft[] = [];
+    const transferDups: ImportedEvent[] = [];
+
+    // 4a. 转账草稿（需与历史去重）
+    for (const transfer of transfers) {
+      if (!isTransferInHistory(transfer, ctx.history)) {
+        drafts.push({
+          draft: transfer.draft,
+          sourceEventIds: [transfer.leftEventId, transfer.rightEventId],
+          isTransfer: true,
+        });
+      } else {
+        // 转账已在历史中，将两个源事件标记为重复
+        const leftEvt = events.find(e => e.id === transfer.leftEventId);
+        const rightEvt = events.find(e => e.id === transfer.rightEventId);
+        if (leftEvt) transferDups.push(leftEvt);
+        if (rightEvt) transferDups.push(rightEvt);
+      }
+    }
+
+    // 4b. 非转账事件
+    for (const event of afterHistoryDedup) {
+      let result: { draft: TransactionDraft; categoryFallbackReason?: string };
+
+      if (event.sourceAccount && event.categoryAccount) {
+        // 预填账户（手动/拍照入口）：直接构造 draft，跳过自动分类
+        const amount = event.amount.startsWith('-') ? event.amount.slice(1) : event.amount;
+        const sourceAmount = event.direction === 'income' || event.direction === 'refund' ? amount : negateDecimal(amount);
+        const categoryAmount = negateDecimal(sourceAmount);
+        result = {
+          draft: {
+            date: event.occurredAt.slice(0, 10),
+            payee: event.counterparty || undefined,
+            narration: event.memo || event.counterparty || '手动记账',
+            sourceEventId: event.id,
+            postings: [
+              { account: event.sourceAccount, amount: sourceAmount, currency: event.currency },
+              { account: event.categoryAccount, amount: categoryAmount, currency: event.currency },
+            ],
+          },
+        };
+      } else {
+        // 自动分类（CSV/通知/短信/截图入口）
+        const classified = classifyWithCategories(event, ctx.rules, ctx.categories, ctx.ledger);
+        result = { draft: classified.draft, categoryFallbackReason: classified.categoryFallbackReason };
+      }
+
+      drafts.push({
+        draft: result.draft,
+        sourceEventIds: [event.id],
+        isTransfer: false,
+        categoryFallbackReason: result.categoryFallbackReason,
+      });
+    }
+
+    return {
+      drafts,
+      duplicates: [...batchDups, ...historyDups, ...transferDups],
+      transferCount: transfers.length,
+    };
+  }
+
+  /** 串行化执行：保证 process 互斥。 */
+  private enqueue<T>(task: () => Promise<T>): Promise<T> {
+    const run = this.mutex.then(task, task);
+    this.mutex = run.then(() => undefined, () => undefined);
+    return run;
+  }
+}
--- a/src/domain/budgets.ts
+++ b/src/domain/budgets.ts
@ -0,0 +1,97 @@
+/**
+ * 预算管理（plan.md「5.5 预算管理」）。
+ * 纯本地虚拟概念（双轨制决策 1），不写回 .bean，仅用于统计/提醒。
+ */
+
+import { addDecimals, subtractDecimals } from './decimal';
+import type { Transaction } from './types';
+
+export interface Budget {
+  id: string;
+  name: string;
+  amount: string;
+  period: 'monthly' | 'weekly' | 'yearly';
+  /** 关联的分类账户（undefined = 总预算）。 */
+  categoryAccount?: string;
+  startDate: string;
+}
+
+export interface BudgetProgress {
+  budget: Budget;
+  spent: string;
+  remaining: string;
+  /** 使用百分比（0-100+）。 */
+  percentage: number;
+  /** 是否超支。 */
+  overBudget: boolean;
+}
+
+/** 计算单个预算在指定交易集合上的进度。 */
+export function calculateBudgetProgress(
+  budget: Budget,
+  transactions: Transaction[],
+  currentDate: string,
+): BudgetProgress {
+  const periodTx = filterByPeriod(transactions, budget.period, currentDate, budget.categoryAccount);
+  const spent = periodTx.reduce((sum, t) => {
+    const expense = t.postings
+      .filter(p => p.amount && p.amount.startsWith('-'))
+      .reduce((s, p) => addDecimals([s, p.amount!.replace('-', '')]), '0');
+    return addDecimals([sum, expense]);
+  }, '0');
+
+  const remaining = subtractDecimals(budget.amount, spent);
+  const percentage = parseFloat(budget.amount) > 0 ? (parseFloat(spent) / parseFloat(budget.amount)) * 100 : 0;
+
+  return {
+    budget,
+    spent,
+    remaining,
+    percentage: Math.round(percentage * 100) / 100,
+    overBudget: parseFloat(remaining) < 0,
+  };
+}
+
+/** 按周期 + 分类过滤交易。 */
+function filterByPeriod(
+  transactions: Transaction[],
+  period: Budget['period'],
+  currentDate: string,
+  categoryAccount?: string,
+): Transaction[] {
+  const range = getPeriodRange(period, currentDate);
+  return transactions.filter(t => {
+    const date = t.date.slice(0, 10);
+    if (date < range.start || date > range.end) return false;
+    if (categoryAccount) {
+      return t.postings.some(p => p.account === categoryAccount || p.account.startsWith(categoryAccount));
+    }
+    return true;
+  });
+}
+
+/** 计算周期的起止日期。 */
+export function getPeriodRange(period: Budget['period'], currentDate: string): { start: string; end: string } {
+  const d = new Date(currentDate);
+  const year = d.getFullYear();
+  const month = d.getMonth();
+  switch (period) {
+    case 'weekly': {
+      const day = d.getDay() || 7;  // 周日=7
+      const start = new Date(d);
+      start.setDate(d.getDate() - day + 1);
+      const end = new Date(start);
+      end.setDate(start.getDate() + 6);
+      return { start: toDateString(start), end: toDateString(end) };
+    }
+    case 'yearly':
+      return { start: `${year}-01-01`, end: `${year}-12-31` };
+    case 'monthly':
+    default:
+      return { start: `${year}-${String(month + 1).padStart(2, '0')}-01`, end: `${year}-${String(month + 1).padStart(2, '0')}-31` };
+  }
+}
+
+function toDateString(d: Date): string {
+  return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
+}
--- a/src/domain/calendarGrid.ts
+++ b/src/domain/calendarGrid.ts
@ -0,0 +1,78 @@
+/**
+ * 日历网格计算（plan.md「5.3 日历视图」的纯函数部分）。
+ * 从 CalendarView 抽出，使可单测（不依赖 react-native）。
+ */
+
+import type { Transaction } from './types';
+
+export interface DayCell {
+  day: number;
+  date: string;           // YYYY-MM-DD
+  isCurrentMonth: boolean;
+  hasIncome: boolean;
+  hasExpense: boolean;
+  count: number;
+}
+
+/** 获取某月日历网格（含上下月填充，7 列）。 */
+export function getMonthGrid(year: number, month: number, transactions: Transaction[]): DayCell[][] {
+  const firstDay = new Date(year, month - 1, 1);
+  const lastDay = new Date(year, month, 0);
+  const daysInMonth = lastDay.getDate();
+  const startWeekday = firstDay.getDay();  // 0=周日
+
+  // 按日期索引交易
+  const txByDate = new Map<string, Transaction[]>();
+  for (const t of transactions) {
+    const date = t.date.slice(0, 10);
+    if (!txByDate.has(date)) txByDate.set(date, []);
+    txByDate.get(date)!.push(t);
+  }
+
+  const cells: DayCell[] = [];
+  // 上月填充
+  const prevMonthDays = new Date(year, month - 1, 0).getDate();
+  for (let i = startWeekday - 1; i >= 0; i--) {
+    const day = prevMonthDays - i;
+    const prevMonth = month === 1 ? 12 : month - 1;
+    const prevYear = month === 1 ? year - 1 : year;
+    cells.push(buildCell(prevYear, prevMonth, day, txByDate, false));
+  }
+  // 当月
+  for (let day = 1; day <= daysInMonth; day++) {
+    cells.push(buildCell(year, month, day, txByDate, true));
+  }
+  // 下月填充
+  const totalCells = Math.ceil(cells.length / 7) * 7;
+  let nextDay = 1;
+  const nextMonth = month === 12 ? 1 : month + 1;
+  const nextYear = month === 12 ? year + 1 : year;
+  while (cells.length < totalCells) {
+    cells.push(buildCell(nextYear, nextMonth, nextDay, txByDate, false));
+    nextDay++;
+  }
+
+  // 切分为周
+  const weeks: DayCell[][] = [];
+  for (let i = 0; i < cells.length; i += 7) {
+    weeks.push(cells.slice(i, i + 7));
+  }
+  return weeks;
+}
+
+function buildCell(
+  year: number, month: number, day: number,
+  txByDate: Map<string, Transaction[]>,
+  isCurrentMonth: boolean,
+): DayCell {
+  const date = `${year}-${String(month).padStart(2, '0')}-${String(day).padStart(2, '0')}`;
+  const tx = txByDate.get(date) ?? [];
+  return {
+    day,
+    date,
+    isCurrentMonth,
+    hasIncome: tx.some(t => t.postings.some(p => p.account.startsWith('Income'))),
+    hasExpense: tx.some(t => t.postings.some(p => p.account.startsWith('Expenses'))),
+    count: tx.length,
+  };
+}
--- a/src/domain/categories.ts
+++ b/src/domain/categories.ts
@ -0,0 +1,101 @@
+import type { LedgerIndex } from './types';
+
+/**
+ * 分类系统（双轨制）。
+ *
+ * 设计见 plan.md「决策 1」：
+ * - 分类是应用本地表（name/keywords/icon/color），记账时通过 linkedAccount 映射到 Beancount 账户
+ * - 与 Beancount 的关系：分类不写回 .bean，只在记账时把 linkedAccount 作为 posting account
+ * - 匹配算法参考 BeeCount 的 CategoryMatcher，但关系模型用双轨制映射
+ */
+
+export interface Category {
+  id: string;
+  name: string;
+  parentId?: string;          // 层级（UI 展示用，不映射到 .bean）
+  type: 'income' | 'expense';
+  linkedAccount: string;      // ★ 映射到 Beancount 账户，记账时作为 posting account
+  icon?: string;              // UI 增强（仅本地）
+  color?: string;             // UI 增强（仅本地）
+  keywords: string[];         // 自动匹配关键词（仅本地匹配逻辑）
+}
+
+/** 分类匹配结果。 */
+export interface CategoryMatch {
+  category: Category | null;
+  /** 匹配方式，便于调试/置信度判断。 */
+  matchedBy: 'exact' | 'keyword' | 'fuzzy' | 'fallback' | 'none';
+}
+
+/**
+ * 分类匹配：精确 → 关键词 → 模糊 → 兜底"其他"。
+ * @param text 待匹配文本（通常是交易对手方/备注）
+ * @param categories 候选分类列表
+ */
+export function matchCategory(text: string, categories: Category[]): CategoryMatch {
+  const normalized = text.trim();
+  if (!normalized) return { category: null, matchedBy: 'none' };
+
+  // 1. 精确匹配（分类名等于文本）
+  const exact = categories.find(c => c.name === normalized);
+  if (exact) return { category: exact, matchedBy: 'exact' };
+
+  // 2. 关键词匹配（任一关键词被文本包含）
+  const byKeyword = categories.find(c =>
+    c.keywords.some(k => k && normalized.includes(k))
+  );
+  if (byKeyword) return { category: byKeyword, matchedBy: 'keyword' };
+
+  // 3. 模糊匹配（包含关系，双向）
+  const fuzzy = categories.find(c =>
+    normalized.includes(c.name) || c.name.includes(normalized)
+  );
+  if (fuzzy) return { category: fuzzy, matchedBy: 'fuzzy' };
+
+  // 4. 兜底"其他"
+  const fallback = categories.find(c => c.name === '其他' || c.name === 'Other') ?? null;
+  return { category: fallback, matchedBy: fallback ? 'fallback' : 'none' };
+}
+
+/**
+ * 解析分类到 Beancount 账户（双轨制核心）。
+ *
+ * 始终返回分类映射的真实账户名，不降级到 Uncategorized。
+ * 如果账户在账本中不存在，valid=false，由导入流程自动 open。
+ */
+export function resolveCategoryAccount(
+  category: Category | null,
+  type: 'income' | 'expense',
+  ledger: LedgerIndex,
+): { account: string; valid: boolean; fallbackReason?: string } {
+  if (!category) {
+    // 未匹配分类时使用兜底账户
+    const fallback = type === 'income' ? 'Income:未分类' : 'Expenses:未分类';
+    return {
+      account: fallback,
+      valid: ledger.accounts.has(fallback),
+      fallbackReason: '未匹配到分类',
+    };
+  }
+  const exists = ledger.accounts.has(category.linkedAccount);
+  return {
+    account: category.linkedAccount,
+    valid: exists,
+    fallbackReason: exists ? undefined : `账户 ${category.linkedAccount} 尚未开户，将在导入时自动创建`,
+  };
+}
+
+/** 根据类型筛选分类（支出/收入）。 */
+export function filterByType(categories: Category[], type: 'income' | 'expense'): Category[] {
+  return categories.filter(c => c.type === type);
+}
+
+/** 获取子分类（层级）。 */
+export function getSubCategories(categories: Category[], parentId: string): Category[] {
+  return categories.filter(c => c.parentId === parentId);
+}
+
+/** 获取顶层分类（无 parentId）。 */
+export function getTopLevelCategories(categories: Category[]): Category[] {
+  return categories.filter(c => !c.parentId);
+}
--- a/src/domain/channelConfig.ts
+++ b/src/domain/channelConfig.ts
@ -0,0 +1,82 @@
+/**
+ * 渠道配置（双轨制：渠道 → Beancount 账户映射）。
+ *
+ * 渠道是支付平台标识（Alipay/WeChat/Bank），账户是 Beancount 科目（Assets:支付宝余额）。
+ * 导入时通过渠道配置将渠道映射到正确的账户，而非硬编码。
+ *
+ * 设计见 plan.md「决策 1 双轨制」。
+ */
+
+export interface ChannelConfig {
+  id: string;
+  /** 渠道名（与 ImportedEvent.channel 对齐，如 "Alipay", "WeChat", "Bank"）。 */
+  name: string;
+  /** 默认渠道账户（Beancount 科目，如 "Assets:支付宝余额"）。 */
+  defaultAccount: string;
+  /** Android 包名（用于自动识别，如 "com.eg.android.AlipayGphone"）。 */
+  packageNames?: string[];
+  /** UI 图标（可选）。 */
+  icon?: string;
+  /** UI 颜色（可选）。 */
+  color?: string;
+}
+
+/** 内置渠道默认配置（不可删除，用户可修改 defaultAccount）。 */
+export const BUILTIN_CHANNELS: ChannelConfig[] = [
+  {
+    id: 'ch_alipay',
+    name: 'Alipay',
+    defaultAccount: 'Assets:支付宝余额',
+    packageNames: ['com.eg.android.AlipayGphone', 'com.eg.android.AlipayGphone.wallet'],
+    icon: 'alipay',
+    color: '#1677FF',
+  },
+  {
+    id: 'ch_wechat',
+    name: 'WeChat',
+    defaultAccount: 'Assets:微信零钱',
+    packageNames: ['com.tencent.mm', 'com.tencent.mobileqq'],
+    icon: 'wechat',
+    color: '#07C160',
+  },
+  {
+    id: 'ch_bank',
+    name: 'Bank',
+    defaultAccount: 'Assets:银行卡',
+    packageNames: ['com.unionpay', 'com.cmbchina', 'com.icbc'],
+    icon: 'bank',
+    color: '#E53935',
+  },
+];
+
+/**
+ * 从包名反查渠道配置。
+ * 优先查用户配置，再查内置配置。
+ */
+export function resolveChannelByPackage(
+  packageName: string,
+  channels: ChannelConfig[],
+): ChannelConfig | undefined {
+  // 先查用户自定义渠道
+  for (const ch of channels) {
+    if (ch.packageNames?.includes(packageName)) return ch;
+  }
+  // 再查内置渠道
+  for (const ch of BUILTIN_CHANNELS) {
+    if (ch.packageNames?.includes(packageName)) return ch;
+  }
+  return undefined;
+}
+
+/**
+ * 从渠道名查找渠道配置。
+ * 优先查用户配置，再查内置配置。
+ */
+export function resolveChannelByName(
+  name: string,
+  channels: ChannelConfig[],
+): ChannelConfig | undefined {
+  const lower = name.toLowerCase();
+  const match = (ch: ChannelConfig) => ch.name.toLowerCase() === lower;
+  return channels.find(match) ?? BUILTIN_CHANNELS.find(match);
+}
--- a/src/domain/chartStats.ts
+++ b/src/domain/chartStats.ts
@ -0,0 +1,63 @@
+/**
+ * 图表统计纯函数（plan.md「5.2 图表与可视化」的数据计算部分）。
+ * 从 components/charts/ 抽出，使可单测（不依赖 react-native）。
+ */
+
+import type { Transaction } from './types';
+
+/** 按月分组统计。 */
+export function groupByMonth(transactions: Transaction[]): { month: string; income: number; expense: number }[] {
+  const byMonth = new Map<string, { income: number; expense: number }>();
+  for (const t of transactions) {
+    const month = t.date.slice(0, 7);
+    const cur = byMonth.get(month) ?? { income: 0, expense: 0 };
+    for (const p of t.postings) {
+      if (!p.amount) continue;
+      const amt = parseFloat(p.amount);
+      if (p.account.startsWith('Income')) cur.income += -amt;
+      if (p.account.startsWith('Expenses')) cur.expense += amt;
+    }
+    byMonth.set(month, cur);
+  }
+  return [...byMonth.entries()]
+    .map(([month, v]) => ({ month, ...v }))
+    .sort((a, b) => a.month.localeCompare(b.month));
+}
+
+/** 按分类统计支出。 */
+export function groupByCategory(transactions: Transaction[]): { category: string; amount: number; percentage: number }[] {
+  const byCategory = new Map<string, number>();
+  let total = 0;
+  for (const t of transactions) {
+    for (const p of t.postings) {
+      if (p.amount && p.account.startsWith('Expenses')) {
+        const amt = parseFloat(p.amount);
+        byCategory.set(p.account, (byCategory.get(p.account) ?? 0) + amt);
+        total += amt;
+      }
+    }
+  }
+  return [...byCategory.entries()]
+    .map(([category, amount]) => ({
+      category,
+      amount,
+      percentage: total > 0 ? Math.round((amount / total) * 100) : 0,
+    }))
+    .sort((a, b) => b.amount - a.amount);
+}
+
+/** 按日期统计支出。 */
+export function dailyExpenseMap(transactions: Transaction[]): Map<string, number> {
+  const byDate = new Map<string, number>();
+  for (const t of transactions) {
+    const date = t.date.slice(0, 10);
+    let expense = byDate.get(date) ?? 0;
+    for (const p of t.postings) {
+      if (p.amount && p.account.startsWith('Expenses') && parseFloat(p.amount) > 0) {
+        expense += parseFloat(p.amount);
+      }
+    }
+    if (expense > 0) byDate.set(date, expense);
+  }
+  return byDate;
+}
--- a/src/domain/constants.ts
+++ b/src/domain/constants.ts
@ -0,0 +1,86 @@
+/**
+ * 统一规则常量（单一数据源）。
+ *
+ * 本模块集中定义跨文件共享的业务规则常量，消除重复定义。
+ * 各模块 import 使用，不再各自硬编码。
+ */
+
+import type { Direction } from './types';
+
+// ─── 支付 App 包名 ───────────────────────────────────────────────
+
+/** 包名 → 友好显示名（用于 UI 展示）。 */
+export const PAYMENT_PACKAGES: Record<string, string> = {
+  'com.eg.android.AlipayGphone': '支付宝',
+  'com.tencent.mm': '微信',
+  'com.unionpay': '银联/云闪付',
+  'com.cmbchina': '招商银行',
+  'com.icbc': '工商银行',
+  'com.chinamworld.main': '中国银行',
+  'com.ccbrcb': '建设银行',
+  'com.bankcomm.Bankcomm': '交通银行',
+  'com.tencent.mobileqq': '手机QQ',
+  'com.tencent.tim': 'TIM',
+};
+
+/** 仅包名集合（用于快速查找）。 */
+export const PAYMENT_PACKAGE_SET = new Set(Object.keys(PAYMENT_PACKAGES));
+
+// ─── 方向检测 ─────────────────────────────────────────────────────
+
+/**
+ * 统一方向检测函数（合并 OCR / SMS / CSV 各处的规则）。
+ *
+ * 优先级：退款 > 手续费 > 收入 > 支出 > 转账
+ * 注意：避免「收款方」中的「收款」被误判为收入。
+ */
+export function detectDirection(text: string, defaultDir: Direction = 'expense'): Direction {
+  if (/退款|退回/.test(text)) return 'refund';
+  if (/手续费|利息/.test(text)) return 'fee';
+  // 转入 = 钱到账户，视为收入（单边事件，不需要配对）
+  if (/转入/.test(text)) return 'income';
+  if (/收入|到账|入账/.test(text)) return 'income';
+  // 优化：别人转给我的单向转账，应视为收入（收款端的单边入账）
+  if (/向你转账|收到转账/.test(text)) return 'income';
+  if (/支出|付款|消费|转出/.test(text)) return 'expense';
+  // 「转账」方向不明确，标记为 transfer 供后续识别
+  if (/转账/.test(text)) return 'transfer';
+  // 「收款方」是商户标识，不判为收入；真正的收款是「向您收款」或独立「收款」
+  if (/收款方/.test(text)) return defaultDir;
+  if (/收款/.test(text)) return 'income';
+  return defaultDir;
+}
+
+// ─── 截屏检测 ─────────────────────────────────────────────────────
+
+/** 截屏文件名关键词（Kotlin 侧需同步）。 */
+export const SCREENSHOT_KEYWORDS = ['screenshot', '截屏', '截图', 'screen_shot', 'Screenshot'];
+
+/** 截屏时间窗口（毫秒），过滤旧截图。 */
+export const SCREENSHOT_TIME_WINDOW_MS = 30_000;
+
+// ─── 去重 ─────────────────────────────────────────────────────────
+
+/** 去重缓存最大条目数（LRU 淘汰）。 */
+export const DEDUP_CACHE_MAX = 200;
+
+/** OCR 图片哈希截取长度（取前 N 字符 hash 避免大图开销）。 */
+export const IMAGE_HASH_TRUNCATE_LEN = 1000;
+
+// ─── 短信关键词 ───────────────────────────────────────────────────
+
+/** 银行短信关键词（判断是否为账单短信）。 */
+export const SMS_BANK_KEYWORDS = ['交易', '消费', '收入', '支出', '余额', '转账', '入账', '扣款', '退款'];
+
+// ─── 关键词过滤 ───────────────────────────────────────────────────
+
+/** 关键词过滤白名单（必须包含任一关键词才通过）。 */
+export const KEYWORD_FILTER_WHITELIST = ['交易', '消费', '收入', '支出', '转账', '收款', '付款', '充值', '提现'];
+
+/** 关键词过滤黑名单（包含任一关键词则拒绝）。 */
+export const KEYWORD_FILTER_BLACKLIST = ['广告', '推广', '优惠券', '红包封面', '会员到期', '活动'];
+
+// ─── AI 聊天意图 ──────────────────────────────────────────────────
+
+/** AI 聊天记账意图关键词。 */
+export const CHAT_TRANSACTION_KEYWORDS = ['买', '花', '消费', '支付', '记账', '付', '收入', '赚', '工资', '收'];
--- a/src/domain/creditCards.ts
+++ b/src/domain/creditCards.ts
@ -0,0 +1,75 @@
+/**
+ * 信用卡管理（plan.md「5.4 信用卡管理」）。
+ * 双轨制：账户本身在 .bean（如 Liabilities:CreditCard:CMB），
+ * 本表只存 UI 增强字段（账单日/还款日/额度），不写回 .bean。
+ */
+
+import { addDecimals } from './decimal';
+import type { Transaction } from './types';
+
+export interface CreditCard {
+  id: string;
+  name: string;
+  lastFour: string;
+  bankName: string;
+  billingDay: number;      // 账单日（1-28）
+  paymentDay: number;      // 还款日（1-28）
+  creditLimit: string;
+  currency: string;
+  /** 关联的 Beancount 账户。 */
+  linkedAccount: string;
+}
+
+export interface BillingPeriod {
+  periodStart: string;
+  periodEnd: string;
+  dueDate: string;
+}
+
+/** 计算信用卡账单周期。 */
+export function calculateBillingPeriod(card: CreditCard, currentDate: Date): BillingPeriod {
+  const year = currentDate.getFullYear();
+  const month = currentDate.getMonth();
+  // 账单周期：上月账单日 ~ 本月账单日
+  const periodStart = new Date(year, month - 1, card.billingDay);
+  const periodEnd = new Date(year, month, card.billingDay);
+  const dueDate = new Date(year, month, card.paymentDay);
+  return {
+    periodStart: toDateString(periodStart),
+    periodEnd: toDateString(periodEnd),
+    dueDate: toDateString(dueDate),
+  };
+}
+
+/** 计算本期应还金额。 */
+export function calculateStatementAmount(
+  transactions: Transaction[],
+  card: CreditCard,
+  period: BillingPeriod,
+): string {
+  const periodTx = transactions.filter(t => {
+    const date = t.date.slice(0, 10);
+    return date >= period.periodStart && date < period.periodEnd
+      && t.postings.some(p => p.account.includes(card.linkedAccount));
+  });
+  return periodTx.reduce((sum, t) => {
+    const expense = t.postings
+      .filter(p => p.amount && p.amount.startsWith('-'))
+      .reduce((s, p) => addDecimals([s, p.amount!.replace('-', '')]), '0');
+    return addDecimals([sum, expense]);
+  }, '0');
+}
+
+/** 计算可用额度（额度 - 当前欠款）。 */
+export function calculateAvailableCredit(
+  card: CreditCard,
+  currentBalance: string,
+): string {
+  // balance 为欠款（正数），可用 = 额度 - 欠款
+  const available = parseFloat(card.creditLimit) - parseFloat(currentBalance.replace('-', ''));
+  return available.toFixed(2);
+}
+
+function toDateString(d: Date): string {
+  return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
+}
--- a/src/domain/currency.ts
+++ b/src/domain/currency.ts
@ -0,0 +1,94 @@
+/**
+ * 多币种支持（plan.md「5.8 多币种支持」）。
+ * 参考 BeeCount v30 的交易级多币种（nativeAmount + 汇率快照）。
+ */
+
+import { compareDecimals } from './decimal';
+
+export interface ExchangeRate {
+  from: string;
+  to: string;
+  rate: string;
+  date: string;
+}
+
+/** 手动汇率覆盖（用户优先）。 */
+export interface ExchangeRateOverride {
+  from: string;
+  to: string;
+  rate: string;
+  enabled: boolean;
+}
+
+/** 交易级多币种快照。 */
+export interface TransactionCurrency {
+  currencyCode: string;      // 交易货币（如 USD）
+  nativeAmount: string;      // 原始金额
+  exchangeRate: string;      // 记账时的汇率快照
+  baseCurrency: string;      // 基础货币（如 CNY）
+}
+
+/** 货币转换。 */
+export function convertCurrency(
+  amount: string,
+  from: string,
+  to: string,
+  rates: ExchangeRate[],
+): string {
+  if (from === to) return amount;
+  const rate = rates.find(r => r.from === from && r.to === to);
+  if (!rate) throw new Error(`无 ${from} → ${to} 的汇率`);
+  return (parseFloat(amount) * parseFloat(rate.rate)).toFixed(2);
+}
+
+/**
+ * 获取有效汇率（优先手动覆盖）。
+ */
+export function getEffectiveRate(
+  from: string,
+  to: string,
+  autoRates: ExchangeRate[],
+  overrides: ExchangeRateOverride[],
+): ExchangeRate | null {
+  // 手动覆盖优先
+  const override = overrides.find(o => o.enabled && o.from === from && o.to === to);
+  if (override) {
+    return { from, to, rate: override.rate, date: new Date().toISOString().slice(0, 10) };
+  }
+  return autoRates.find(r => r.from === from && r.to === to) ?? null;
+}
+
+/** 构造交易级多币种快照（记账时调用）。 */
+export function buildTransactionCurrency(
+  nativeAmount: string,
+  currencyCode: string,
+  baseCurrency: string,
+  rates: ExchangeRate[],
+): TransactionCurrency {
+  if (currencyCode === baseCurrency) {
+    return { currencyCode, nativeAmount, exchangeRate: '1', baseCurrency };
+  }
+  const rate = rates.find(r => r.from === currencyCode && r.to === baseCurrency)
+    ?? rates.find(r => r.from === baseCurrency && r.to === currencyCode);
+  if (!rate) throw new Error(`无 ${currencyCode}/${baseCurrency} 汇率`);
+  // 正向汇率直接用，反向取倒数
+  const effectiveRate = rate.from === currencyCode ? rate.rate : (1 / parseFloat(rate.rate)).toFixed(6);
+  return { currencyCode, nativeAmount, exchangeRate: effectiveRate, baseCurrency };
+}
+
+/** 校验汇率列表完整性（基础货币对所有其他货币都有汇率）。 */
+export function validateRateCoverage(
+  baseCurrency: string,
+  currencies: string[],
+  rates: ExchangeRate[],
+): string[] {
+  const missing: string[] = [];
+  for (const cur of currencies) {
+    if (cur === baseCurrency) continue;
+    const has = rates.some(r =>
+      (r.from === cur && r.to === baseCurrency) || (r.from === baseCurrency && r.to === cur)
+    );
+    if (!has) missing.push(cur);
+  }
+  return missing;
+}
--- a/Show More
+++ b/Show More