diff --git a/client/src/pages/chat/chat.vue b/client/src/pages/chat/chat.vue
index 3cd98af..1216fe2 100644
--- a/client/src/pages/chat/chat.vue
+++ b/client/src/pages/chat/chat.vue
@@ -160,6 +160,21 @@ async function sendMessage() {
     const msg = e.message || 'AI 服务暂时不可用，请稍后再试'
     if (msg.includes('游客体验已用完')) {
       guestExhausted.value = true
+    } else if (msg.includes('免费次数已用完') || msg.includes('星尘余额不足') || msg.includes('充值星尘')) {
+      // 引导充值
+      uni.showModal({
+        title: '免费次数用完了',
+        content: '充值星尘可继续提问（10星尘/次），还可以享受更多功能',
+        confirmText: '去充值',
+        cancelText: '分享得次数',
+        success: (m) => {
+          if (m.confirm) {
+            uni.navigateTo({ url: '/pages/vpay/recharge' })
+          } else {
+            onQuotaTap()
+          }
+        },
+      })
     } else {
       messages.value.push({ role: 'assistant', content: escapeHtml(`抱歉，${msg}`) })
     }
diff --git a/client/src/pages/profile/profile.vue b/client/src/pages/profile/profile.vue
index b3910a3..bf6715a 100644
--- a/client/src/pages/profile/profile.vue
+++ b/client/src/pages/profile/profile.vue
@@ -55,39 +55,21 @@
       </view>
     </view>
 
-    <!-- 订阅卡片 -->
-    <view class="plan-card" @click="goPayment">
-      <view class="plan-info">
-        <text class="plan-title">{{ planTitle }}</text>
-        <text class="plan-desc">{{ planDesc }}</text>
-        <view class="plan-progress" v-if="userStore.subInfo">
-          <view class="progress-track">
-            <view class="progress-fill" :style="{ width: planPercent + '%' }"></view>
-          </view>
-          <text class="progress-text">{{ planExpiryText }}</text>
+        <!-- 星尘余额 + 今日免费（简化模型：每天5次免费，用完充值星尘） -->
+    <view class="balance-card">
+      <view class="balance-left">
+        <view class="coin-row">
+          <text class="coin-icon">✨</text>
+          <text class="coin-num">{{ vpayBalance }}</text>
+          <text class="coin-name">星尘</text>
         </view>
+        <text class="free-left">今日免费问答剩余 {{ freeRemaining }} 次</text>
       </view>
-      <view class="plan-btn" :class="{ disabled: userStore.isSubscribed }">
-        <text>{{ planBtnText }}</text>
+      <view class="recharge-go" @click="goRecharge">
+        <text>充值</text>
       </view>
     </view>
-
-    <!-- AI 问答配额 -->
-    <view class="quota-card" @click="goChat" v-if="userStore.isLoggedIn && quotaInfo">
-      <view class="quota-head">
-        <AppIcon name="chat" :size="15" />
-        <text class="quota-card-title">AI 问答 · 今日</text>
-      </view>
-      <view class="quota-bar">
-        <view class="quota-fill" :style="{ width: quotaPercent + '%' }"></view>
-      </view>
-      <view class="quota-foot">
-        <text class="quota-text">剩余 {{ quotaInfo.remainingQuota }} 次</text>
-        <text class="quota-share" @click.stop="goShare">分享 +5 次</text>
-      </view>
-    </view>
-
-    <!-- 星尘充值入口 -->
+<!-- 星尘充值入口 -->
     <view class="vpay-entry" @click="goRecharge">
       <view class="ve-icon">✨</view>
       <view class="ve-info">
@@ -155,7 +137,7 @@
 import { onShareAppMessage, onShareTimeline } from '@dcloudio/uni-app'
 import { ref, computed, onMounted } from 'vue'
 import { useUserStore } from '@/stores/user'
-import { knowledgeApi, aiChatApi } from '@/utils/api'
+import { knowledgeApi, aiChatApi, request } from '@/utils/api'
 import { DIMENSIONS } from '@/utils/dimensions'
 import AppIcon from '@/components/AppIcon.vue'
 import { APP_VERSION } from '@/utils/version'
@@ -169,6 +151,8 @@ const userStore = useUserStore()
 const dimensions = DIMENSIONS
 
 const collectedCount = ref(0)
+const vpayBalance = ref(0)
+const freeRemaining = ref(5)
 const stats = ref(null)
 const byDim = ref({})
 const quotaInfo = ref(null)
@@ -218,12 +202,23 @@ const quotaPercent = computed(() => {
 onMounted(() => {
   loadStats()
   if (userStore.isLoggedIn) {
+    loadVpayInfo()
     userStore.fetchMe()
     loadCollected()
     loadQuota()
   }
 })
 
+async function loadVpayInfo() {
+  try {
+    const data = await request('GET', '/api/vpay/info', null, userStore.token)
+    vpayBalance.value = data.balance || 0
+    if (userStore.quota) freeRemaining.value = userStore.quota.remainingQuota ?? 5
+  } catch (e) {
+    // 未开通或未登录
+  }
+}
+
 async function loadStats() {
   try {
     const data = await knowledgeApi.stats(userStore.isLoggedIn ? userStore.token : '')
@@ -649,3 +644,28 @@ onShareTimeline(() => ({
 .ve-desc { font-size: 11px; color: var(--text-tertiary); }
 .ve-arrow { font-size: 14px; color: var(--text-muted); }
 </style>
+
+<style scoped>
+.balance-card {
+  display: flex; align-items: center; gap: 14px;
+  background: linear-gradient(135deg, #5b5ff8, #8b5cf6);
+  border-radius: var(--radius-lg);
+  padding: 18px 20px;
+  margin-bottom: 12px;
+}
+.balance-left { flex: 1; }
+.coin-row { display: flex; align-items: baseline; gap: 6px; }
+.coin-icon { font-size: 20px; }
+.coin-num { font-size: 32px; font-weight: 800; color: #fff; }
+.coin-name { font-size: 13px; color: rgba(255,255,255,.7); }
+.free-left { display: block; font-size: 11px; color: rgba(255,255,255,.55); margin-top: 4px; }
+.recharge-go {
+  padding: 10px 22px;
+  background: #fff;
+  border-radius: var(--radius-full);
+  color: #5b5ff8;
+  font-size: 14px;
+  font-weight: 700;
+  flex-shrink: 0;
+}
+</style>
diff --git a/server/src/routes/aiChat.js b/server/src/routes/aiChat.js
index fbff8a6..414ca49 100755
--- a/server/src/routes/aiChat.js
+++ b/server/src/routes/aiChat.js
@@ -1,6 +1,6 @@
 const express = require('express')
 const router = express.Router()
-const { AIChatQuota, AIModel } = require('../models')
+const { AIChatQuota, AIModel, User } = require('../models')
 const ApiResponse = require('../utils/response')
 const { userAuthMiddleware, optionalAuthMiddleware } = require('../middleware/auth')
 const logger = require('../utils/logger')
@@ -81,10 +81,27 @@ router.post('/ask', askRateLimit, optionalAuthMiddleware, async (req, res) => {
     const quota = await getOrCreateQuota(openid, isGuest)
 
     if (!quota.hasQuota()) {
-      const msg = isGuest
-        ? `今日 ${GUEST_DAILY_QUOTA} 次游客体验已用完，登录后每天可问 5 次`
-        : '今日问答次数已用完，分享好友可获得更多次数'
-      return ApiResponse.error(res, msg, 403, { isGuest, needLogin: isGuest })
+      if (isGuest) {
+        return ApiResponse.error(res, `今日 ${GUEST_DAILY_QUOTA} 次游客体验已用完，登录后每天可问 5 次`, 403, { isGuest, needLogin: true })
+      }
+      // 免费额度用完 → 检查星尘余额，有则扣星尘（10星尘/次）
+      const user = await User.findOne({ openid })
+      const coins = (user && user.vpayCoins) || 0
+      if (coins < 10) {
+        return ApiResponse.error(res, '今日免费次数已用完，充值星尘可继续提问（10星尘/次）', 402, { needRecharge: true, coins, costPerAsk: 10 })
+      }
+      // 扣星尘（原子操作防并发）
+      const updated = await User.updateOne({ _id: user._id, vpayCoins: { $gte: 10 } }, { $inc: { vpayCoins: -10 } })
+      if (updated.modifiedCount === 0) {
+        return ApiResponse.error(res, '星尘余额不足，请充值后继续', 402, { needRecharge: true })
+      }
+      // 跳过正常 quota 扣减，直接用星尘
+      const aiModels2 = await AIModel.getActiveModels()
+      if (!aiModels2 || aiModels2.length === 0) {
+        const env2 = [{ name: 'env-model', apiUrl: process.env.OPENAI_API_URL || 'https://api.openai.com/v1/chat/completions', apiKey: process.env.OPENAI_API_KEY, modelId: process.env.OPENAI_MODEL || 'gpt-3.5-turbo' }]
+        return await tryModels(env2, question, dimension, res, quota, isGuest)
+      }
+      return await tryModels(aiModels2, question, dimension, res, quota, isGuest)
     }
 
     const aiModels = await AIModel.getActiveModels()