diff --git a/apps/ai-game-creator-shell/src/features/app-shell/useAccountWallet.ts b/apps/ai-game-creator-shell/src/features/app-shell/useAccountWallet.ts
index 7b57f9d96..78b1c8dab 100644
--- a/apps/ai-game-creator-shell/src/features/app-shell/useAccountWallet.ts
+++ b/apps/ai-game-creator-shell/src/features/app-shell/useAccountWallet.ts
@@ -43,7 +43,10 @@ export function useAccountWallet(currentUserId: string) {
   const [nativeRechargePayment, setNativeRechargePayment] =
     useState<PlatformProfileRechargeNativePaymentState | null>(null);
   const rechargeLifecycleRef = useRef(0);
+  const walletLedgerLifecycleRef = useRef(0);
   const [walletUiOwnerUserId, setWalletUiOwnerUserId] = useState(currentUserId);
+  const currentUserIdRef = useRef(currentUserId);
+  currentUserIdRef.current = currentUserId;
   const walletOwnerMatchesCurrentUser =
     Boolean(currentUserId) && ownerUserId === currentUserId;
   const walletUiOwnerMatchesCurrentUser =
@@ -79,6 +82,7 @@ export function useAccountWallet(currentUserId: string) {
 
   useEffect(() => {
     rechargeLifecycleRef.current += 1;
+    walletLedgerLifecycleRef.current += 1;
     setWalletUiOwnerUserId(currentUserId);
     setWalletLedgerOpen(false);
     setWalletLedger(null);
@@ -93,16 +97,23 @@ export function useAccountWallet(currentUserId: string) {
   }, [currentUserId]);
 
   async function loadWalletLedger() {
-    const rechargeLifecycle = rechargeLifecycleRef.current;
+    const walletLedgerLifecycle = ++walletLedgerLifecycleRef.current;
+    const snapshotOwnerUserId = currentUserId;
     setWalletLedgerLoading(true);
     setWalletLedgerError(null);
     try {
       const ledger = await getClientProfileWalletLedger();
-      if (rechargeLifecycleRef.current === rechargeLifecycle) {
+      if (
+        walletLedgerLifecycleRef.current === walletLedgerLifecycle &&
+        currentUserIdRef.current === snapshotOwnerUserId
+      ) {
         setWalletLedger(ledger);
       }
     } catch (error) {
-      if (rechargeLifecycleRef.current !== rechargeLifecycle) {
+      if (
+        walletLedgerLifecycleRef.current !== walletLedgerLifecycle ||
+        currentUserIdRef.current !== snapshotOwnerUserId
+      ) {
         return;
       }
       setWalletLedger(null);
@@ -110,7 +121,10 @@ export function useAccountWallet(currentUserId: string) {
         error instanceof Error ? error.message : '读取泥点账单失败',
       );
     } finally {
-      if (rechargeLifecycleRef.current === rechargeLifecycle) {
+      if (
+        walletLedgerLifecycleRef.current === walletLedgerLifecycle &&
+        currentUserIdRef.current === snapshotOwnerUserId
+      ) {
         setWalletLedgerLoading(false);
       }
     }
diff --git a/apps/ai-game-creator-shell/tests/walletStore.test.ts b/apps/ai-game-creator-shell/tests/walletStore.test.ts
index 64b162f83..2fb483e16 100644
--- a/apps/ai-game-creator-shell/tests/walletStore.test.ts
+++ b/apps/ai-game-creator-shell/tests/walletStore.test.ts
@@ -246,6 +246,35 @@ describe('useWalletStore', () => {
     });
   });
 
+  test('keeps ledger loading independent from the recharge lifecycle', async () => {
+    let resolveLedger!: (value: { entries: [] }) => void;
+    clientApi.getClientProfileRechargeCenter.mockResolvedValue({
+      walletBalance: 18,
+      mudPointBalance: detailedBalance(18),
+    });
+    clientApi.getClientProfileWalletLedger.mockImplementation(
+      () =>
+        new Promise((resolve) => {
+          resolveLedger = resolve;
+        }),
+    );
+    const { result } = renderHook(() => useAccountWallet('user-a'));
+    await act(async () => undefined);
+
+    act(() => {
+      result.current.openWalletLedger();
+      result.current.openRecharge();
+    });
+    expect(result.current.walletLedgerLoading).toBe(true);
+
+    await act(async () => {
+      resolveLedger({ entries: [] });
+    });
+
+    expect(result.current.walletLedger).toEqual({ entries: [] });
+    expect(result.current.walletLedgerLoading).toBe(false);
+  });
+
   test('hides account-owned dialogs and data when the account changes', async () => {
     clientApi.getClientProfileRechargeCenter.mockResolvedValue({
       walletBalance: 18,