diff --git a/internal/service/asset_wallet/service.go b/internal/service/asset_wallet/service.go
new file mode 100644
index 0000000..3989bba
--- /dev/null
+++ b/internal/service/asset_wallet/service.go
@@ -0,0 +1,162 @@
+package asset_wallet
+
+import (
+	"context"
+
+	"github.com/break/junhong_cmp_fiber/internal/model/dto"
+	"github.com/break/junhong_cmp_fiber/internal/store/postgres"
+	"github.com/break/junhong_cmp_fiber/pkg/errors"
+	"gorm.io/gorm"
+)
+
+// Service 资产钱包业务服务
+// 负责管理端资产（卡/设备）钱包概况查询和流水列表查询
+type Service struct {
+	assetWalletStore            *postgres.AssetWalletStore
+	assetWalletTransactionStore *postgres.AssetWalletTransactionStore
+}
+
+// New 创建资产钱包服务实例
+func New(assetWalletStore *postgres.AssetWalletStore, assetWalletTransactionStore *postgres.AssetWalletTransactionStore) *Service {
+	return &Service{
+		assetWalletStore:            assetWalletStore,
+		assetWalletTransactionStore: assetWalletTransactionStore,
+	}
+}
+
+// GetWallet 查询资产钱包概况
+// assetType 为 card 或 device，映射到 resourceType = iot_card 或 device
+func (s *Service) GetWallet(ctx context.Context, assetType string, assetID uint) (*dto.AssetWalletResponse, error) {
+	resourceType, err := mapAssetTypeToResourceType(assetType)
+	if err != nil {
+		return nil, err
+	}
+
+	wallet, err := s.assetWalletStore.GetByResourceTypeAndID(ctx, resourceType, assetID)
+	if err != nil {
+		if err == gorm.ErrRecordNotFound {
+			return nil, errors.New(errors.CodeNotFound, "该资产暂无钱包记录")
+		}
+		return nil, errors.Wrap(errors.CodeDatabaseError, err, "查询钱包失败")
+	}
+
+	statusText := walletStatusText(wallet.Status)
+
+	return &dto.AssetWalletResponse{
+		WalletID:         wallet.ID,
+		ResourceType:     wallet.ResourceType,
+		ResourceID:       wallet.ResourceID,
+		Balance:          wallet.Balance,
+		FrozenBalance:    wallet.FrozenBalance,
+		AvailableBalance: wallet.Balance - wallet.FrozenBalance,
+		Currency:         wallet.Currency,
+		Status:           wallet.Status,
+		StatusText:       statusText,
+		CreatedAt:        wallet.CreatedAt,
+		UpdatedAt:        wallet.UpdatedAt,
+	}, nil
+}
+
+// ListTransactions 查询资产钱包流水列表（分页）
+func (s *Service) ListTransactions(ctx context.Context, assetType string, assetID uint, req *dto.AssetWalletTransactionListRequest) (*dto.AssetWalletTransactionListResponse, error) {
+	resourceType, err := mapAssetTypeToResourceType(assetType)
+	if err != nil {
+		return nil, err
+	}
+
+	page := req.Page
+	if page < 1 {
+		page = 1
+	}
+	pageSize := req.PageSize
+	if pageSize < 1 {
+		pageSize = 20
+	}
+	if pageSize > 100 {
+		pageSize = 100
+	}
+	offset := (page - 1) * pageSize
+
+	transactions, err := s.assetWalletTransactionStore.ListByResourceIDWithFilter(
+		ctx, resourceType, assetID, req.TransactionType, req.StartTime, req.EndTime, offset, pageSize,
+	)
+	if err != nil {
+		return nil, errors.Wrap(errors.CodeDatabaseError, err, "查询流水列表失败")
+	}
+
+	total, err := s.assetWalletTransactionStore.CountByResourceIDWithFilter(
+		ctx, resourceType, assetID, req.TransactionType, req.StartTime, req.EndTime,
+	)
+	if err != nil {
+		return nil, errors.Wrap(errors.CodeDatabaseError, err, "统计流水数量失败")
+	}
+
+	list := make([]*dto.AssetWalletTransactionItem, 0, len(transactions))
+	for _, tx := range transactions {
+		list = append(list, &dto.AssetWalletTransactionItem{
+			ID:                  tx.ID,
+			TransactionType:     tx.TransactionType,
+			TransactionTypeText: transactionTypeText(tx.TransactionType),
+			Amount:              tx.Amount,
+			BalanceBefore:       tx.BalanceBefore,
+			BalanceAfter:        tx.BalanceAfter,
+			ReferenceType:       tx.ReferenceType,
+			ReferenceNo:         tx.ReferenceNo,
+			Remark:              tx.Remark,
+			CreatedAt:           tx.CreatedAt,
+		})
+	}
+
+	totalPages := int(total) / pageSize
+	if int(total)%pageSize > 0 {
+		totalPages++
+	}
+
+	return &dto.AssetWalletTransactionListResponse{
+		List:       list,
+		Total:      total,
+		Page:       page,
+		PageSize:   pageSize,
+		TotalPages: totalPages,
+	}, nil
+}
+
+// mapAssetTypeToResourceType 将路由参数 assetType（card/device）映射到数据库资源类型
+func mapAssetTypeToResourceType(assetType string) (string, error) {
+	switch assetType {
+	case "card":
+		return "iot_card", nil
+	case "device":
+		return "device", nil
+	default:
+		return "", errors.New(errors.CodeInvalidParam, "无效的资产类型，仅支持 card 或 device")
+	}
+}
+
+// walletStatusText 翻译钱包状态文本
+func walletStatusText(status int) string {
+	switch status {
+	case 1:
+		return "正常"
+	case 2:
+		return "冻结"
+	case 3:
+		return "关闭"
+	default:
+		return "未知"
+	}
+}
+
+// transactionTypeText 翻译交易类型文本
+func transactionTypeText(transactionType string) string {
+	switch transactionType {
+	case "recharge":
+		return "充值"
+	case "deduct":
+		return "扣款"
+	case "refund":
+		return "退款"
+	default:
+		return transactionType
+	}
+}