diff --git a/internal/bootstrap/services.go b/internal/bootstrap/services.go
index 65c8f60..06763b2 100644
--- a/internal/bootstrap/services.go
+++ b/internal/bootstrap/services.go
@@ -106,7 +106,7 @@ func initServices(s *stores, deps *Dependencies) *services {
 		Role:                        roleSvc.New(s.Role, s.Permission, s.RolePermission),
 		Permission:                  permissionSvc.New(s.Permission, s.AccountRole, s.RolePermission, account, deps.Redis),
 		PersonalCustomer:            personalCustomerSvc.NewService(s.PersonalCustomer, s.PersonalCustomerPhone, deps.VerificationService, deps.JWTManager, deps.WechatOfficialAccount, deps.Logger),
-		Shop:                        shopSvc.New(s.Shop, s.Account, s.ShopRole, s.Role, s.AccountRole),
+		Shop:                        shopSvc.New(s.Shop, s.Account, s.ShopRole, s.Role, s.AccountRole, s.AgentWallet),
 		Auth:                        authSvc.New(s.Account, s.AccountRole, s.RolePermission, s.Permission, s.Shop, deps.TokenManager, deps.Logger),
 		ShopCommission:              shopCommissionSvc.New(s.Shop, s.Account, s.AgentWallet, s.CommissionWithdrawalRequest, s.CommissionRecord),
 		CommissionWithdrawal:        commissionWithdrawalSvc.New(deps.DB, s.Shop, s.Account, s.AgentWallet, s.AgentWalletTransaction, s.CommissionWithdrawalRequest),
diff --git a/internal/service/shop/service.go b/internal/service/shop/service.go
index 1c31a7c..356a799 100644
--- a/internal/service/shop/service.go
+++ b/internal/service/shop/service.go
@@ -20,6 +20,7 @@ type Service struct {
 	shopRoleStore    *postgres.ShopRoleStore
 	roleStore        *postgres.RoleStore
 	accountRoleStore *postgres.AccountRoleStore
+	agentWalletStore *postgres.AgentWalletStore
 }
 
 func New(
@@ -28,6 +29,7 @@ func New(
 	shopRoleStore *postgres.ShopRoleStore,
 	roleStore *postgres.RoleStore,
 	accountRoleStore *postgres.AccountRoleStore,
+	agentWalletStore *postgres.AgentWalletStore,
 ) *Service {
 	return &Service{
 		shopStore:        shopStore,
@@ -35,6 +37,7 @@ func New(
 		shopRoleStore:    shopRoleStore,
 		roleStore:        roleStore,
 		accountRoleStore: accountRoleStore,
+		agentWalletStore: agentWalletStore,
 	}
 }
 
@@ -147,6 +150,32 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateShopRequest) (*dto.
 		return nil, errors.Wrap(errors.CodeInternalError, err, "设置店铺默认角色失败")
 	}
 
+	// 初始化店铺代理钱包：主钱包 + 分佣钱包
+	// 新店铺必须有两个钱包才能参与充值和分佣体系
+	wallets := []*model.AgentWallet{
+		{
+			ShopID:     shop.ID,
+			WalletType: constants.AgentWalletTypeMain,
+			Balance:    0,
+			Currency:   "CNY",
+			Status:     constants.AgentWalletStatusNormal,
+			ShopIDTag:  shop.ID,
+		},
+		{
+			ShopID:     shop.ID,
+			WalletType: constants.AgentWalletTypeCommission,
+			Balance:    0,
+			Currency:   "CNY",
+			Status:     constants.AgentWalletStatusNormal,
+			ShopIDTag:  shop.ID,
+		},
+	}
+	for _, wallet := range wallets {
+		if err := s.agentWalletStore.Create(ctx, wallet); err != nil {
+			return nil, errors.Wrap(errors.CodeInternalError, err, "初始化店铺钱包失败")
+		}
+	}
+
 	return &dto.ShopResponse{
 		ID:           shop.ID,
 		ShopName:     shop.ShopName,