diff --git a/apps/web/src/api/points/index.ts b/apps/web/src/api/points/index.ts
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+++ b/apps/web/src/api/points/index.ts
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+/**
+ * 积分 & 会员 API 封装（v2 两档会员制）
+ * 后端接口未就绪阶段使用 mock 数据；接口就绪后把 MOCK 开关关掉即可。
+ */
+import apiClient from "../client"
+import type {
+  PointsBalance,
+  PointsTransactionsParams,
+  PointsTransactionsResponse,
+  PointsPackagesResponse,
+  PointsRechargeRequest,
+  PointsOrder,
+  PointsRulesResponse,
+  PointsCheckRequest,
+  PointsCheckResponse,
+  SubscriptionCurrent,
+  SubscribeRequest,
+  SubscriptionPlan,
+} from "./types"
+
+/**
+ * 是否启用 mock 数据（后端 PR 合入前为 true；对接真实接口后改为 false）
+ */
+export const POINTS_API_MOCK = true
+
+// ==================== Mock 数据 ====================
+const MOCK_BALANCE: PointsBalance = {
+  balance: 580,
+  total_earned: 1200,
+  total_spent: 620,
+  is_member: false,
+  member_type: null,
+  member_expires_at: null,
+  free_clips_used: 1,
+  free_clips_limit: 2,
+  free_clips_remaining: 1,
+}
+
+const MOCK_PACKAGES: PointsPackagesResponse = {
+  packages: [
+    {
+      id: "starter_pack",
+      name: "体验包",
+      points: 100,
+      price: 990,
+      discounted_price_for_free: 990,
+      discounted_price_for_monthly: 891,
+      discounted_price_for_quarterly: 861,
+      discounted_price_for_yearly: 792,
+    },
+    {
+      id: "basic_pack",
+      name: "基础包",
+      points: 500,
+      price: 3900,
+      discounted_price_for_free: 3900,
+      discounted_price_for_monthly: 3510,
+      discounted_price_for_quarterly: 3393,
+      discounted_price_for_yearly: 3120,
+    },
+    {
+      id: "pro_pack",
+      name: "专业包",
+      points: 2000,
+      price: 12900,
+      discounted_price_for_free: 12900,
+      discounted_price_for_monthly: 11610,
+      discounted_price_for_quarterly: 11223,
+      discounted_price_for_yearly: 10320,
+    },
+  ],
+  user_member_type: "free",
+  unit_price_yuan: 0.1,
+}
+
+const MOCK_RULES: PointsRulesResponse = {
+  rules: [
+    {
+      scene_key: "ai_voice",
+      scene_name: "AI 配音",
+      points_per_use: 1,
+      unit: "分钟",
+      description: "每生成 1 分钟配音",
+    },
+    {
+      scene_key: "ai_video",
+      scene_name: "智能混剪",
+      points_per_use: 3,
+      unit: "条",
+      extra_per_30s: 1,
+      description: "每条 ≤30s 3 积分，每加 30s +1",
+    },
+    {
+      scene_key: "ai_digital_human",
+      scene_name: "AI 数字人",
+      points_per_use: 15,
+      unit: "分钟",
+      description: "每生成 1 分钟口播",
+    },
+    {
+      scene_key: "voice_clone_train",
+      scene_name: "声音克隆训练",
+      points_per_use: 0,
+      unit: "次",
+      description: "训练免费",
+    },
+    { scene_key: "voice_clone_synth", scene_name: "声音克隆合成", points_per_use: 1, unit: "分钟" },
+    { scene_key: "douyin_extract", scene_name: "抖音链接提取", points_per_use: 1, unit: "次" },
+    { scene_key: "ai_rewrite", scene_name: "AI 改写文案", points_per_use: 1, unit: "次" },
+    { scene_key: "ai_title", scene_name: "AI 标题生成", points_per_use: 1, unit: "次" },
+    { scene_key: "ai_cover", scene_name: "AI 封面生成", points_per_use: 1, unit: "张" },
+  ],
+  free_user_multiplier: 1.15,
+  note: "免费用户消耗 = 会员消耗 × 1.15，向上取整",
+}
+
+function genMockTransactions(): PointsTransactionsResponse {
+  const now = new Date()
+  const list = [
+    {
+      src: "ai_voice",
+      name: "AI 配音",
+      type: "spend" as const,
+      amt: 1,
+      desc: "生成配音 1 分钟",
+      days: 0,
+      hours: 0,
+      mins: 30,
+    },
+    {
+      src: "ai_video",
+      name: "智能混剪",
+      type: "spend" as const,
+      amt: 5,
+      desc: "生成 1 分钟视频（基础3+30s*2）",
+      days: 0,
+      hours: 1,
+      mins: 15,
+    },
+    {
+      src: "task_reward",
+      name: "任务奖励",
+      type: "earn" as const,
+      amt: 20,
+      desc: "首次生成视频奖励",
+      days: 1,
+      hours: 0,
+      mins: 0,
+    },
+    {
+      src: "recharge",
+      name: "充值",
+      type: "earn" as const,
+      amt: 500,
+      desc: "基础包充值",
+      days: 15,
+      hours: 0,
+      mins: 0,
+    },
+    {
+      src: "ai_rewrite",
+      name: "AI 改写文案",
+      type: "spend" as const,
+      amt: 2,
+      desc: "免费用户价（1×1.15 向上取整）",
+      days: 16,
+      hours: 2,
+      mins: 10,
+    },
+    {
+      src: "ai_title",
+      name: "AI 标题生成",
+      type: "spend" as const,
+      amt: 2,
+      desc: "免费用户价",
+      days: 16,
+      hours: 3,
+      mins: 0,
+    },
+    {
+      src: "douyin_extract",
+      name: "抖音链接提取",
+      type: "spend" as const,
+      amt: 2,
+      desc: "提取 3 分钟文案",
+      days: 18,
+      hours: 0,
+      mins: 0,
+    },
+    {
+      src: "ai_digital_human",
+      name: "AI 数字人",
+      type: "spend" as const,
+      amt: 18,
+      desc: "数字人口播 1 分钟（免费用户价）",
+      days: 20,
+      hours: 0,
+      mins: 0,
+    },
+    {
+      src: "task_reward",
+      name: "任务奖励",
+      type: "earn" as const,
+      amt: 50,
+      desc: "注册赠送",
+      days: 30,
+      hours: 0,
+      mins: 0,
+    },
+  ]
+  let bal = MOCK_BALANCE.balance
+  const items = list
+    .map((t, i) => {
+      const signed = t.type === "earn" ? t.amt : -t.amt
+      const balance_after = bal // 按时间倒序：earliest 先算
+      // adjust running bal
+      bal = t.type === "earn" ? bal - t.amt : bal + t.amt
+      const d = new Date(now)
+      d.setDate(d.getDate() - t.days)
+      d.setHours(d.getHours() - t.hours)
+      d.setMinutes(d.getMinutes() - t.mins)
+      return {
+        id: `tx_${i + 1}`,
+        type: t.type,
+        source: t.src as PointsBalance extends never ? never : string,
+        source_name: t.name,
+        amount: t.amt,
+        signed_amount: signed,
+        balance_after,
+        description: t.desc,
+        ref_id: null,
+        created_at: d.toISOString(),
+      }
+    })
+    .reverse()
+  // Rebuild balance_after going forward
+  let running = 50 + 0 // after registration gift
+  for (let i = items.length - 1; i >= 0; i--) {
+    const it: any = items[i]
+    if (it.source === "task_reward" && it.description.includes("注册")) running = 50
+  }
+  running = 50
+  const fwd = [...items].reverse()
+  for (const it of fwd as any[]) {
+    running += it.signed_amount
+    it.balance_after = running
+  }
+  return { items: fwd as any, total: fwd.length, page: 1, page_size: 20 }
+}
+
+// ==================== 真实 API ====================
+
+/** 查询积分余额 + 会员状态 */
+export async function getPointsBalance(): Promise<PointsBalance> {
+  if (POINTS_API_MOCK) {
+    return new Promise((r) => setTimeout(() => r({ ...MOCK_BALANCE }), 180))
+  }
+  const res = await apiClient.get("/points/balance")
+  return res.data
+}
+
+/** 查询积分流水（分页） */
+export async function getPointsTransactions(
+  params: PointsTransactionsParams = {},
+): Promise<PointsTransactionsResponse> {
+  if (POINTS_API_MOCK) {
+    return new Promise((r) => setTimeout(() => r(genMockTransactions()), 200))
+  }
+  const res = await apiClient.get("/points/transactions", { params })
+  return res.data
+}
+
+/** 查询积分包列表 */
+export async function getPointsPackages(): Promise<PointsPackagesResponse> {
+  if (POINTS_API_MOCK) {
+    return new Promise((r) => setTimeout(() => r({ ...MOCK_PACKAGES }), 150))
+  }
+  const res = await apiClient.get("/points/packages")
+  return res.data
+}
+
+/** 创建积分充值订单（mock 阶段返回 "pending" 订单，前端弹"支付开发中"） */
+export async function createPointsOrder(req: PointsRechargeRequest): Promise<PointsOrder> {
+  if (POINTS_API_MOCK) {
+    const pkg = MOCK_PACKAGES.packages.find((p) => p.id === req.package_id)
+    const mt = MOCK_PACKAGES.user_member_type
+    const discountKey = `discounted_price_for_${mt}` as const
+    const price = (pkg as any)?.[discountKey] ?? pkg?.price ?? 0
+    return new Promise((r) =>
+      setTimeout(
+        () =>
+          r({
+            id: `mock_order_${Date.now()}`,
+            package_id: req.package_id,
+            package_name: pkg?.name ?? "",
+            points_amount: pkg?.points ?? 0,
+            price_cents: price,
+            original_price_cents: pkg?.price ?? 0,
+            discount: price / (pkg?.price || 1),
+            currency: "CNY",
+            status: "pending",
+            payment_method: null,
+            payment_id: null,
+            paid_at: null,
+            expire_at: null,
+            created_at: new Date().toISOString(),
+          }),
+        300,
+      ),
+    )
+  }
+  const res = await apiClient.post("/points/recharge", req)
+  return res.data
+}
+
+/** 查询积分消耗规则 */
+export async function getPointsRules(): Promise<PointsRulesResponse> {
+  if (POINTS_API_MOCK) {
+    return new Promise((r) => setTimeout(() => r({ ...MOCK_RULES }), 120))
+  }
+  const res = await apiClient.get("/points/rules")
+  return res.data
+}
+
+/** 消费前余额预检查 */
+export async function checkPoints(req: PointsCheckRequest): Promise<PointsCheckResponse> {
+  if (POINTS_API_MOCK) {
+    const rule = MOCK_RULES.rules.find((r) => r.scene_key === req.scene_key)
+    if (!rule) {
+      return {
+        allowed: false,
+        required_points: 0,
+        current_balance: MOCK_BALANCE.balance,
+        remaining_after: MOCK_BALANCE.balance,
+        is_free_quota: false,
+        code: "SCENE_NOT_FOUND",
+        message: "未知场景",
+        recharge_url: "/app/points",
+      }
+    }
+    const units = req.units ?? 1
+    let base = rule.points_per_use * units
+    if (rule.extra_per_30s && units > 1) {
+      // ai_video extra_per_30s: base already covers first 30s, subtract
+      base = rule.points_per_use + rule.extra_per_30s * (units - 1)
+    }
+    const isFree =
+      MOCK_BALANCE.is_member === false &&
+      req.scene_key === "ai_video" &&
+      (MOCK_BALANCE.free_clips_remaining ?? 0) > 0
+    const needed = isFree
+      ? 0
+      : MOCK_BALANCE.is_member
+        ? base
+        : Math.ceil(base * MOCK_RULES.free_user_multiplier)
+    const allowed = isFree || MOCK_BALANCE.balance >= needed
+    return {
+      allowed,
+      required_points: needed,
+      current_balance: MOCK_BALANCE.balance,
+      remaining_after: MOCK_BALANCE.balance - needed,
+      is_free_quota: isFree,
+      code: allowed ? undefined : "INSUFFICIENT_POINTS",
+      message: allowed
+        ? undefined
+        : `积分不足，需要 ${needed} 积分，当前余额 ${MOCK_BALANCE.balance}`,
+      recharge_url: "/app/points",
+    }
+  }
+  const res = await apiClient.post("/points/check", req)
+  return res.data
+}
+
+// ==================== 订阅相关 ====================
+
+/** 订阅套餐（定价常量，前端硬编码；折扣由后端会员类型决定） */
+export const SUBSCRIPTION_PLANS: SubscriptionPlan[] = [
+  {
+    id: "monthly",
+    name: "月卡",
+    price_cents: 1990,
+    price_yuan: 19.9,
+    per_month_yuan: 19.9,
+    billing_label: "/月",
+  },
+  {
+    id: "quarterly",
+    name: "季卡",
+    price_cents: 3990,
+    price_yuan: 39.9,
+    per_month_yuan: 13.3,
+    savings_percent: 33,
+    recommended: true,
+    billing_label: "/季",
+  },
+  {
+    id: "yearly",
+    name: "年卡",
+    price_cents: 15900,
+    price_yuan: 159,
+    per_month_yuan: 13.25,
+    savings_percent: 33,
+    billing_label: "/年",
+  },
+]
+
+/** 查询当前订阅 */
+export async function getCurrentSubscription(): Promise<SubscriptionCurrent> {
+  if (POINTS_API_MOCK) {
+    return new Promise((r) =>
+      setTimeout(
+        () =>
+          r({
+            is_member: MOCK_BALANCE.is_member,
+            member_type: MOCK_BALANCE.member_type,
+            member_type_name: MOCK_BALANCE.is_member ? "付费会员" : "免费会员",
+            status: MOCK_BALANCE.is_member ? "active" : "none",
+            current_period_start: null,
+            current_period_end: MOCK_BALANCE.member_expires_at,
+            auto_renew: false,
+            points_discount: MOCK_BALANCE.is_member ? 0.9 : 1.0,
+          }),
+        150,
+      ),
+    )
+  }
+  const res = await apiClient.get("/subscription/current")
+  return res.data
+}
+
+/** 开通/续费会员 */
+export async function subscribe(req: SubscribeRequest): Promise<PointsOrder> {
+  if (POINTS_API_MOCK) {
+    const plan = SUBSCRIPTION_PLANS.find((p) => p.id === req.member_type)!
+    return new Promise((r) =>
+      setTimeout(
+        () =>
+          r({
+            id: `mock_sub_${Date.now()}`,
+            package_id: plan.id,
+            package_name: plan.name,
+            points_amount: 0,
+            price_cents: plan.price_cents,
+            original_price_cents: plan.price_cents,
+            discount: 1,
+            currency: "CNY",
+            status: "pending",
+            payment_method: null,
+            payment_id: null,
+            paid_at: null,
+            expire_at: null,
+            created_at: new Date().toISOString(),
+          }),
+        300,
+      ),
+    )
+  }
+  const res = await apiClient.post("/subscription/subscribe", req)
+  return res.data
+}
+
+/** 取消自动续费 */
+export async function cancelAutoRenew(): Promise<{ success: boolean; message: string }> {
+  if (POINTS_API_MOCK) {
+    return new Promise((r) =>
+      setTimeout(() => r({ success: true, message: "已取消自动续费" }), 200),
+    )
+  }
+  const res = await apiClient.post("/subscription/cancel")
+  return res.data
+}