diff --git a/internal/service/my_commission/service.go b/internal/service/my_commission/service.go
index a2b39fa..64c5a72 100644
--- a/internal/service/my_commission/service.go
+++ b/internal/service/my_commission/service.go
@@ -125,8 +125,8 @@ func (s *Service) CreateWithdrawalRequest(ctx context.Context, req *dto.CreateMy
 		return nil, errors.New(errors.CodeInsufficientBalance, "钱包不存在")
 	}
 
-	// 验证余额
-	if req.Amount > wallet.Balance {
+	// 验证可用余额（balance - frozen_balance），冻结中的金额不可再次提现
+	if req.Amount > wallet.GetAvailableBalance() {
 		return nil, errors.New(errors.CodeInsufficientBalance, "可提现余额不足")
 	}
 
@@ -159,11 +159,12 @@ func (s *Service) CreateWithdrawalRequest(ctx context.Context, req *dto.CreateMy
 	var withdrawalRequest *model.CommissionWithdrawalRequest
 
 	err = s.db.Transaction(func(tx *gorm.DB) error {
-		// 冻结余额（使用条件更新 + RowsAffected 校验，防止并发重复提现）
+		// 冻结余额：只增加 frozen_balance，balance（总额）不变
+		// balance = 总余额，frozen_balance = 其中被锁定的子集，可用余额 = balance - frozen_balance
+		// 使用条件更新 + RowsAffected 校验，防止并发重复提现
 		result := tx.WithContext(ctx).Model(&model.AgentWallet{}).
-			Where("id = ? AND balance >= ?", wallet.ID, req.Amount).
+			Where("id = ? AND balance - frozen_balance >= ?", wallet.ID, req.Amount).
 			Updates(map[string]interface{}{
-				"balance":        gorm.Expr("balance - ?", req.Amount),
 				"frozen_balance": gorm.Expr("frozen_balance + ?", req.Amount),
 			})
 		if result.Error != nil {