diff --git a/internal/service/my_commission/service.go b/internal/service/my_commission/service.go
index 8a0dd9d..a2b39fa 100644
--- a/internal/service/my_commission/service.go
+++ b/internal/service/my_commission/service.go
@@ -159,14 +159,19 @@ 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
-		if err := tx.WithContext(ctx).Model(&model.AgentWallet{}).
+		// 冻结余额（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).
 			Updates(map[string]interface{}{
 				"balance":        gorm.Expr("balance - ?", req.Amount),
 				"frozen_balance": gorm.Expr("frozen_balance + ?", req.Amount),
-			}).Error; err != nil {
-			return errors.Wrap(errors.CodeInternalError, err, "冻结余额失败")
+			})
+		if result.Error != nil {
+			return errors.Wrap(errors.CodeInternalError, result.Error, "冻结余额失败")
+		}
+		// RowsAffected == 0 说明余额已不足（并发场景下被其他请求先行扣减）
+		if result.RowsAffected == 0 {
+			return errors.New(errors.CodeInsufficientBalance, "余额不足或并发冲突，请稍后重试")
 		}
 
 		// 创建提现申请