diff --git a/migrations/000076_rename_card_wallet_tables_to_asset_wallet.down.sql b/migrations/000076_rename_card_wallet_tables_to_asset_wallet.down.sql
new file mode 100644
index 0000000..069f133
--- /dev/null
+++ b/migrations/000076_rename_card_wallet_tables_to_asset_wallet.down.sql
@@ -0,0 +1,3 @@
+ALTER TABLE tb_asset_recharge_record RENAME TO tb_card_recharge_record;
+ALTER TABLE tb_asset_wallet_transaction RENAME TO tb_card_wallet_transaction;
+ALTER TABLE tb_asset_wallet RENAME TO tb_card_wallet;
diff --git a/migrations/000076_rename_card_wallet_tables_to_asset_wallet.up.sql b/migrations/000076_rename_card_wallet_tables_to_asset_wallet.up.sql
new file mode 100644
index 0000000..93b7507
--- /dev/null
+++ b/migrations/000076_rename_card_wallet_tables_to_asset_wallet.up.sql
@@ -0,0 +1,9 @@
+-- 将卡钱包相关表统一改名为资产钱包，使命名与实际承载的两种资产（iot_card + device）一致
+-- tb_card_wallet → tb_asset_wallet
+ALTER TABLE tb_card_wallet RENAME TO tb_asset_wallet;
+
+-- tb_card_wallet_transaction → tb_asset_wallet_transaction
+ALTER TABLE tb_card_wallet_transaction RENAME TO tb_asset_wallet_transaction;
+
+-- tb_card_recharge_record → tb_asset_recharge_record
+ALTER TABLE tb_card_recharge_record RENAME TO tb_asset_recharge_record;
diff --git a/migrations/000077_rename_reference_id_to_reference_no.down.sql b/migrations/000077_rename_reference_id_to_reference_no.down.sql
new file mode 100644
index 0000000..bd00d8f
--- /dev/null
+++ b/migrations/000077_rename_reference_id_to_reference_no.down.sql
@@ -0,0 +1,2 @@
+ALTER TABLE tb_asset_wallet_transaction ALTER COLUMN reference_no TYPE BIGINT USING reference_no::BIGINT;
+ALTER TABLE tb_asset_wallet_transaction RENAME COLUMN reference_no TO reference_id;
diff --git a/migrations/000077_rename_reference_id_to_reference_no.up.sql b/migrations/000077_rename_reference_id_to_reference_no.up.sql
new file mode 100644
index 0000000..64d2066
--- /dev/null
+++ b/migrations/000077_rename_reference_id_to_reference_no.up.sql
@@ -0,0 +1,4 @@
+-- 将流水记录中的关联ID字段从 bigint 类型的 reference_id 改为 varchar(50) 的 reference_no
+-- 用于存储可读的业务编号：充值单号（CRCH…）或订单号（ORD…）
+ALTER TABLE tb_asset_wallet_transaction RENAME COLUMN reference_id TO reference_no;
+ALTER TABLE tb_asset_wallet_transaction ALTER COLUMN reference_no TYPE VARCHAR(50) USING reference_no::VARCHAR(50);