diff --git a/apps/web/src/store/pointsStore.ts b/apps/web/src/store/pointsStore.ts
index 9ce4d9cb0..f64cd1144 100644
--- a/apps/web/src/store/pointsStore.ts
+++ b/apps/web/src/store/pointsStore.ts
@@ -1,83 +1,130 @@
 /**
- * 积分 & 会员状态管理（Zustand）
- * - 启动时拉取余额 & 订阅信息
- * - 提供刷新、余额扣减（乐观更新）等工具
+ * 积分 & 会员状态管理
+ * 对齐后端 staging 最终契约（2026-09-16）：
+ * - balance: GET /points/balance（无 free_clips_*）
+ * - dailyUsage: GET /usage/daily（每日免费额度）
+ * - membership: GET /points/subscription/membership（聚合会员信息）
+ * - rules: GET /points/rules（base_points + free_user_multiplier）
+ * - subscription: GET /subscription/current（plan_id + billing_cycle）
  */
 import { create } from "zustand"
-import type { PointsBalance, PointsRulesResponse, SubscriptionCurrent } from "@/api/points/types"
-import { getCurrentSubscription, getPointsBalance, getPointsRules } from "@/api/points"
+import { getPointsBalance, getPointsRules, getDailyUsage, getMembership } from "@/api/points"
+import { getCurrentSubscription } from "@/api/subscription"
+import type {
+  PointsBalance,
+  PointsRulesResponse,
+  DailyUsage,
+  MembershipResponse,
+} from "@/api/points/types"
+import type { SubscriptionInfo } from "@/api/subscription/types"
 
 interface PointsState {
-  /** 积分余额 & 会员状态（来自 /points/balance） */
   balance: PointsBalance | null
-  /** 订阅详情（来自 /subscription/current） */
-  subscription: SubscriptionCurrent | null
-  /** 积分消耗规则缓存 */
+  dailyUsage: DailyUsage | null
+  membership: MembershipResponse | null
   rules: PointsRulesResponse | null
+  subscription: SubscriptionInfo | null
   loading: boolean
   error: string | null
-  /** 初始化：拉取余额 + 订阅信息 + 规则 */
+  /** 初始化：并行拉取 balance / rules / subscription / dailyUsage / membership */
   init: () => Promise<void>
-  /** 强制刷新余额 */
+  /** 刷新余额（充值/消费后调用） */
   refreshBalance: () => Promise<void>
-  /** 乐观扣减：在支付/业务发起前调用，失败时用 refreshBalance 兜底 */
+  /** 乐观扣减 */
   optimisticDeduct: (points: number) => void
-  /** 乐观增加（充值成功后调用） */
+  /** 乐观增加 */
   optimisticAdd: (points: number) => void
+  /** 清除积分状态（退出登录） */
+  reset: () => void
 }
 
 export const usePointsStore = create<PointsState>((set, get) => ({
   balance: null,
-  subscription: null,
+  dailyUsage: null,
+  membership: null,
   rules: null,
+  subscription: null,
   loading: false,
   error: null,
 
   init: async () => {
-    if (get().loading) return
+    // 已加载过不重复拉取
+    if (get().balance && get().rules && get().subscription) return
     set({ loading: true, error: null })
     try {
-      const [balance, sub, rules] = await Promise.all([
-        getPointsBalance(),
-        getCurrentSubscription(),
-        getPointsRules(),
+      const [balance, rules, subscription, dailyUsage, membership] = await Promise.all([
+        getPointsBalance().catch(() => null),
+        getPointsRules().catch(() => null),
+        getCurrentSubscription().catch(() => null),
+        getDailyUsage().catch(() => null),
+        getMembership().catch(() => null),
       ])
-      set({ balance, subscription: sub, rules, loading: false })
-    } catch (e) {
-      set({ error: (e as Error).message, loading: false })
+      set({
+        balance,
+        rules,
+        subscription,
+        dailyUsage,
+        membership,
+        loading: false,
+      })
+    } catch (err) {
+      set({ error: (err as Error).message || "加载积分信息失败", loading: false })
     }
   },
 
   refreshBalance: async () => {
     try {
-      const balance = await getPointsBalance()
-      set({ balance })
-    } catch (e) {
-      set({ error: (e as Error).message })
+      const [balance, dailyUsage, membership, subscription] = await Promise.all([
+        getPointsBalance(),
+        getDailyUsage().catch(() => null),
+        getMembership().catch(() => null),
+        getCurrentSubscription().catch(() => get().subscription),
+      ])
+      set({ balance, dailyUsage, membership, subscription })
+    } catch (err) {
+      set({ error: (err as Error).message || "刷新积分失败" })
     }
   },
 
   optimisticDeduct: (points: number) => {
-    const b = get().balance
-    if (!b) return
+    const { balance, membership } = get()
+    if (!balance) return
     set({
       balance: {
-        ...b,
-        balance: Math.max(0, b.balance - points),
-        total_spent: b.total_spent + points,
+        ...balance,
+        balance: Math.max(0, balance.balance - points),
+        total_spent: balance.total_spent + points,
       },
+      membership: membership
+        ? { ...membership, points_balance: Math.max(0, membership.points_balance - points) }
+        : null,
     })
   },
 
   optimisticAdd: (points: number) => {
-    const b = get().balance
-    if (!b) return
+    const { balance, membership } = get()
+    if (!balance) return
     set({
       balance: {
-        ...b,
-        balance: b.balance + points,
-        total_earned: b.total_earned + points,
+        ...balance,
+        balance: balance.balance + points,
+        total_earned: balance.total_earned + points,
       },
+      membership: membership
+        ? { ...membership, points_balance: membership.points_balance + points }
+        : null,
+    })
+  },
+
+  reset: () => {
+    set({
+      balance: null,
+      dailyUsage: null,
+      membership: null,
+      rules: null,
+      subscription: null,
+      loading: false,
+      error: null,
     })
   },
 }))