diff --git a/config/database.go b/config/database.go
index 651c425d..cffaabe9 100644
--- a/config/database.go
+++ b/config/database.go
@@ -853,6 +853,12 @@ func (d *Database) UpdateTraderCustomPrompt(userID, id string, customPrompt stri
 	return err
 }
 
+// UpdateTraderInitialBalance 更新交易员初始余额（用于自动同步交易所实际余额）
+func (d *Database) UpdateTraderInitialBalance(userID, id string, newBalance float64) error {
+	_, err := d.db.Exec(`UPDATE traders SET initial_balance = ? WHERE id = ? AND user_id = ?`, newBalance, id, userID)
+	return err
+}
+
 // DeleteTrader 删除交易员
 func (d *Database) DeleteTrader(userID, id string) error {
 	_, err := d.db.Exec(`DELETE FROM traders WHERE id = ? AND user_id = ?`, id, userID)
diff --git a/manager/trader_manager.go b/manager/trader_manager.go
index 4ebcf20b..e3c3b400 100644
--- a/manager/trader_manager.go
+++ b/manager/trader_manager.go
@@ -170,7 +170,7 @@ func (tm *TraderManager) LoadTradersFromDatabase(database *config.Database) erro
 		}
 
 		// 添加到TraderManager
-		err = tm.addTraderFromDB(traderCfg, aiModelCfg, exchangeCfg, coinPoolURL, oiTopURL, maxDailyLoss, maxDrawdown, stopTradingMinutes, defaultCoins)
+		err = tm.addTraderFromDB(traderCfg, aiModelCfg, exchangeCfg, coinPoolURL, oiTopURL, maxDailyLoss, maxDrawdown, stopTradingMinutes, defaultCoins, database, traderCfg.UserID)
 		if err != nil {
 			log.Printf("❌ 添加交易员 %s 失败: %v", traderCfg.Name, err)
 			continue
@@ -182,7 +182,7 @@ func (tm *TraderManager) LoadTradersFromDatabase(database *config.Database) erro
 }
 
 // addTraderFromConfig 内部方法：从配置添加交易员（不加锁，因为调用方已加锁）
-func (tm *TraderManager) addTraderFromDB(traderCfg *config.TraderRecord, aiModelCfg *config.AIModelConfig, exchangeCfg *config.ExchangeConfig, coinPoolURL, oiTopURL string, maxDailyLoss, maxDrawdown float64, stopTradingMinutes int, defaultCoins []string) error {
+func (tm *TraderManager) addTraderFromDB(traderCfg *config.TraderRecord, aiModelCfg *config.AIModelConfig, exchangeCfg *config.ExchangeConfig, coinPoolURL, oiTopURL string, maxDailyLoss, maxDrawdown float64, stopTradingMinutes int, defaultCoins []string, database *config.Database, userID string) error {
 	if _, exists := tm.traders[traderCfg.ID]; exists {
 		return fmt.Errorf("trader ID '%s' 已存在", traderCfg.ID)
 	}
@@ -262,7 +262,7 @@ func (tm *TraderManager) addTraderFromDB(traderCfg *config.TraderRecord, aiModel
 	}
 
 	// 创建trader实例
-	at, err := trader.NewAutoTrader(traderConfig)
+	at, err := trader.NewAutoTrader(traderConfig, database, userID)
 	if err != nil {
 		return fmt.Errorf("创建trader失败: %w", err)
 	}
@@ -286,7 +286,7 @@ func (tm *TraderManager) addTraderFromDB(traderCfg *config.TraderRecord, aiModel
 // AddTrader 从数据库配置添加trader (移除旧版兼容性)
 
 // AddTraderFromDB 从数据库配置添加trader
-func (tm *TraderManager) AddTraderFromDB(traderCfg *config.TraderRecord, aiModelCfg *config.AIModelConfig, exchangeCfg *config.ExchangeConfig, coinPoolURL, oiTopURL string, maxDailyLoss, maxDrawdown float64, stopTradingMinutes int, defaultCoins []string) error {
+func (tm *TraderManager) AddTraderFromDB(traderCfg *config.TraderRecord, aiModelCfg *config.AIModelConfig, exchangeCfg *config.ExchangeConfig, coinPoolURL, oiTopURL string, maxDailyLoss, maxDrawdown float64, stopTradingMinutes int, defaultCoins []string, database *config.Database, userID string) error {
 	tm.mu.Lock()
 	defer tm.mu.Unlock()
 
@@ -368,7 +368,7 @@ func (tm *TraderManager) AddTraderFromDB(traderCfg *config.TraderRecord, aiModel
 	}
 
 	// 创建trader实例
-	at, err := trader.NewAutoTrader(traderConfig)
+	at, err := trader.NewAutoTrader(traderConfig, database, userID)
 	if err != nil {
 		return fmt.Errorf("创建trader失败: %w", err)
 	}
@@ -832,7 +832,7 @@ func (tm *TraderManager) LoadUserTraders(database *config.Database, userID strin
 		}
 
 		// 使用现有的方法加载交易员
-		err = tm.loadSingleTrader(traderCfg, aiModelCfg, exchangeCfg, coinPoolURL, oiTopURL, maxDailyLoss, maxDrawdown, stopTradingMinutes, defaultCoins)
+		err = tm.loadSingleTrader(traderCfg, aiModelCfg, exchangeCfg, coinPoolURL, oiTopURL, maxDailyLoss, maxDrawdown, stopTradingMinutes, defaultCoins, database, userID)
 		if err != nil {
 			log.Printf("⚠️ 加载交易员 %s 失败: %v", traderCfg.Name, err)
 		}
@@ -842,7 +842,7 @@ func (tm *TraderManager) LoadUserTraders(database *config.Database, userID strin
 }
 
 // loadSingleTrader 加载单个交易员（从现有代码提取的公共逻辑）
-func (tm *TraderManager) loadSingleTrader(traderCfg *config.TraderRecord, aiModelCfg *config.AIModelConfig, exchangeCfg *config.ExchangeConfig, coinPoolURL, oiTopURL string, maxDailyLoss, maxDrawdown float64, stopTradingMinutes int, defaultCoins []string) error {
+func (tm *TraderManager) loadSingleTrader(traderCfg *config.TraderRecord, aiModelCfg *config.AIModelConfig, exchangeCfg *config.ExchangeConfig, coinPoolURL, oiTopURL string, maxDailyLoss, maxDrawdown float64, stopTradingMinutes int, defaultCoins []string, database *config.Database, userID string) error {
 	// 处理交易币种列表
 	var tradingCoins []string
 	if traderCfg.TradingSymbols != "" {
@@ -912,7 +912,7 @@ func (tm *TraderManager) loadSingleTrader(traderCfg *config.TraderRecord, aiMode
 	}
 
 	// 创建trader实例
-	at, err := trader.NewAutoTrader(traderConfig)
+	at, err := trader.NewAutoTrader(traderConfig, database, userID)
 	if err != nil {
 		return fmt.Errorf("创建trader失败: %w", err)
 	}
diff --git a/trader/auto_trader.go b/trader/auto_trader.go
index 1e93ab5c..de7feda3 100644
--- a/trader/auto_trader.go
+++ b/trader/auto_trader.go
@@ -4,6 +4,7 @@ import (
 	"encoding/json"
 	"fmt"
 	"log"
+	"math"
 	"nofx/decision"
 	"nofx/logger"
 	"nofx/market"
@@ -98,10 +99,13 @@ type AutoTrader struct {
 	startTime             time.Time        // 系统启动时间
 	callCount             int              // AI调用次数
 	positionFirstSeenTime map[string]int64 // 持仓首次出现时间 (symbol_side -> timestamp毫秒)
+	lastBalanceSyncTime   time.Time        // 上次余额同步时间
+	database              interface{}      // 数据库引用（用于自动更新余额）
+	userID                string           // 用户ID
 }
 
 // NewAutoTrader 创建自动交易器
-func NewAutoTrader(config AutoTraderConfig) (*AutoTrader, error) {
+func NewAutoTrader(config AutoTraderConfig, database interface{}, userID string) (*AutoTrader, error) {
 	// 设置默认值
 	if config.ID == "" {
 		config.ID = "default_trader"
@@ -216,6 +220,9 @@ func NewAutoTrader(config AutoTraderConfig) (*AutoTrader, error) {
 		callCount:             0,
 		isRunning:             false,
 		positionFirstSeenTime: make(map[string]int64),
+		lastBalanceSyncTime:   time.Now(), // 初始化为当前时间
+		database:              database,
+		userID:                userID,
 	}, nil
 }
 
@@ -253,6 +260,72 @@ func (at *AutoTrader) Stop() {
 	log.Println("⏹ 自动交易系统停止")
 }
 
+// autoSyncBalanceIfNeeded 自动同步余额（每10分钟检查一次，变化>5%才更新）
+func (at *AutoTrader) autoSyncBalanceIfNeeded() {
+	// 距离上次同步不足10分钟，跳过
+	if time.Since(at.lastBalanceSyncTime) < 10*time.Minute {
+		return
+	}
+
+	log.Printf("🔄 [%s] 开始自动检查余额变化...", at.name)
+
+	// 查询实际余额
+	balanceInfo, err := at.trader.GetBalance()
+	if err != nil {
+		log.Printf("⚠️ [%s] 查询余额失败: %v", at.name, err)
+		at.lastBalanceSyncTime = time.Now() // 即使失败也更新时间，避免频繁重试
+		return
+	}
+
+	// 提取可用余额
+	var actualBalance float64
+	if availableBalance, ok := balanceInfo["available_balance"].(float64); ok && availableBalance > 0 {
+		actualBalance = availableBalance
+	} else if availableBalance, ok := balanceInfo["availableBalance"].(float64); ok && availableBalance > 0 {
+		actualBalance = availableBalance
+	} else if totalBalance, ok := balanceInfo["balance"].(float64); ok && totalBalance > 0 {
+		actualBalance = totalBalance
+	} else {
+		log.Printf("⚠️ [%s] 无法提取可用余额", at.name)
+		at.lastBalanceSyncTime = time.Now()
+		return
+	}
+
+	oldBalance := at.initialBalance
+	changePercent := ((actualBalance - oldBalance) / oldBalance) * 100
+
+	// 变化超过5%才更新
+	if math.Abs(changePercent) > 5.0 {
+		log.Printf("🔔 [%s] 检测到余额大幅变化: %.2f → %.2f USDT (%.2f%%)",
+			at.name, oldBalance, actualBalance, changePercent)
+
+		// 更新内存中的 initialBalance
+		at.initialBalance = actualBalance
+
+		// 更新数据库（需要类型断言）
+		if at.database != nil {
+			// 这里需要根据实际的数据库类型进行类型断言
+			// 由于使用了 interface{}，我们需要在 TraderManager 层面处理更新
+			// 或者在这里进行类型检查
+			type DatabaseUpdater interface {
+				UpdateTraderInitialBalance(userID, id string, newBalance float64) error
+			}
+			if db, ok := at.database.(DatabaseUpdater); ok {
+				err := db.UpdateTraderInitialBalance(at.userID, at.id, actualBalance)
+				if err != nil {
+					log.Printf("❌ [%s] 更新数据库失败: %v", at.name, err)
+				} else {
+					log.Printf("✅ [%s] 已自动同步余额到数据库", at.name)
+				}
+			}
+		}
+	} else {
+		log.Printf("✓ [%s] 余额变化不大 (%.2f%%)，无需更新", at.name, changePercent)
+	}
+
+	at.lastBalanceSyncTime = time.Now()
+}
+
 // runCycle 运行一个交易周期（使用AI全权决策）
 func (at *AutoTrader) runCycle() error {
 	at.callCount++
@@ -284,7 +357,10 @@ func (at *AutoTrader) runCycle() error {
 		log.Println("📅 日盈亏已重置")
 	}
 
-	// 3. 收集交易上下文
+	// 3. 自动同步余额（每10分钟检查一次，充值/提现后自动更新）
+	at.autoSyncBalanceIfNeeded()
+
+	// 4. 收集交易上下文
 	ctx, err := at.buildTradingContext()
 	if err != nil {
 		record.Success = false
@@ -324,7 +400,7 @@ func (at *AutoTrader) runCycle() error {
 	log.Printf("📊 账户净值: %.2f USDT | 可用: %.2f USDT | 持仓: %d",
 		ctx.Account.TotalEquity, ctx.Account.AvailableBalance, ctx.Account.PositionCount)
 
-	// 4. 调用AI获取完整决策
+	// 5. 调用AI获取完整决策
 	log.Printf("🤖 正在请求AI分析并决策... [模板: %s]", at.systemPromptTemplate)
 	decision, err := decision.GetFullDecisionWithCustomPrompt(ctx, at.mcpClient, at.customPrompt, at.overrideBasePrompt, at.systemPromptTemplate)