diff --git a/apps/web/src/store/pointsStore.ts b/apps/web/src/store/pointsStore.ts
new file mode 100644
index 000000000..9ce4d9cb0
--- /dev/null
+++ b/apps/web/src/store/pointsStore.ts
@@ -0,0 +1,83 @@
+/**
+ * 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
+ */
+import { create } from "zustand"
+import type { PointsBalance, PointsRulesResponse, SubscriptionCurrent } from "@/api/points/types"
+import { getCurrentSubscription, getPointsBalance, getPointsRules } from "@/api/points"
+
+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 */
+  rules: PointsRulesResponse | null
+  loading: boolean
+  error: string | null
+  /** 初始化：拉取余额 + 订阅信息 + 规则 */
+  init: () => Promise<void>
+  /** 强制刷新余额 */
+  refreshBalance: () => Promise<void>
+  /** 乐观扣减：在支付/业务发起前调用，失败时用 refreshBalance 兜底 */
+  optimisticDeduct: (points: number) => void
+  /** 乐观增加（充值成功后调用） */
+  optimisticAdd: (points: number) => void
+}
+
+export const usePointsStore = create<PointsState>((set, get) => ({
+  balance: null,
+  subscription: null,
+  rules: null,
+  loading: false,
+  error: null,
+
+  init: async () => {
+    if (get().loading) return
+    set({ loading: true, error: null })
+    try {
+      const [balance, sub, rules] = await Promise.all([
+        getPointsBalance(),
+        getCurrentSubscription(),
+        getPointsRules(),
+      ])
+      set({ balance, subscription: sub, rules, loading: false })
+    } catch (e) {
+      set({ error: (e as Error).message, loading: false })
+    }
+  },
+
+  refreshBalance: async () => {
+    try {
+      const balance = await getPointsBalance()
+      set({ balance })
+    } catch (e) {
+      set({ error: (e as Error).message })
+    }
+  },
+
+  optimisticDeduct: (points: number) => {
+    const b = get().balance
+    if (!b) return
+    set({
+      balance: {
+        ...b,
+        balance: Math.max(0, b.balance - points),
+        total_spent: b.total_spent + points,
+      },
+    })
+  },
+
+  optimisticAdd: (points: number) => {
+    const b = get().balance
+    if (!b) return
+    set({
+      balance: {
+        ...b,
+        balance: b.balance + points,
+        total_earned: b.total_earned + points,
+      },
+    })
+  },
+}))