diff --git a/app/Endpoint/Api/Filters/BalanceLogFilter.php b/app/Endpoint/Api/Filters/BalanceLogFilter.php
new file mode 100644
index 00000000..1cab171d
--- /dev/null
+++ b/app/Endpoint/Api/Filters/BalanceLogFilter.php
@@ -0,0 +1,17 @@
+<?php
+
+namespace App\Endpoint\Api\Filters;
+
+use EloquentFilter\ModelFilter;
+
+class BalanceLogFilter extends ModelFilter
+{
+    public function action($action)
+    {
+        switch ($action) {
+            case 'transfer'://转账
+                $this->onlyTransfer();
+                break;
+        }
+    }
+}
diff --git a/app/Endpoint/Api/Filters/WalletLogFilter.php b/app/Endpoint/Api/Filters/WalletLogFilter.php
new file mode 100644
index 00000000..08637125
--- /dev/null
+++ b/app/Endpoint/Api/Filters/WalletLogFilter.php
@@ -0,0 +1,17 @@
+<?php
+
+namespace App\Endpoint\Api\Filters;
+
+use EloquentFilter\ModelFilter;
+
+class WalletLogFilter extends ModelFilter
+{
+    public function action($action)
+    {
+        switch ($action) {
+            case 'withdraw-balance'://提现到余额明细
+                $this->onlyWithdrawBalance();
+                break;
+        }
+    }
+}
diff --git a/app/Endpoint/Api/Http/Controllers/Account/UserController.php b/app/Endpoint/Api/Http/Controllers/Account/UserController.php
index a6074211..6a487930 100644
--- a/app/Endpoint/Api/Http/Controllers/Account/UserController.php
+++ b/app/Endpoint/Api/Http/Controllers/Account/UserController.php
@@ -3,6 +3,7 @@
 namespace App\Endpoint\Api\Http\Controllers\Account;
 
 use App\Endpoint\Api\Http\Controllers\Controller;
+use App\Endpoint\Api\Http\Resources\UserBalanceResource;
 use App\Endpoint\Api\Http\Resources\UserInfoResource;
 use App\Endpoint\Api\Http\Resources\UserWalletResource;
 use App\Models\UserInfo;
@@ -26,6 +27,7 @@ class UserController extends Controller
             'user_info' => UserInfoResource::make($user->userInfo),
             'is_vip' => $user->isVip(),
             'wallet' => UserWalletResource::make($user->wallet),
+            'balance' => UserBalanceResource::make($user->balance),
         ]);
     }
 
diff --git a/app/Endpoint/Api/Http/Controllers/Account/WalletController.php b/app/Endpoint/Api/Http/Controllers/Account/WalletController.php
index a5b91dc8..5da74a4e 100644
--- a/app/Endpoint/Api/Http/Controllers/Account/WalletController.php
+++ b/app/Endpoint/Api/Http/Controllers/Account/WalletController.php
@@ -3,19 +3,26 @@
 namespace App\Endpoint\Api\Http\Controllers\Account;
 
 use App\Endpoint\Api\Http\Controllers\Controller;
+use App\Endpoint\Api\Http\Resources\BalanceLogResource;
 use App\Endpoint\Api\Http\Resources\DistributionPreIncomeResource;
 use App\Endpoint\Api\Http\Resources\WalletLogResource;
+use App\Exceptions\BizException;
 use App\Exceptions\InvalidPaySerialNumberException;
 use App\Exceptions\PayPasswordIncorrectException;
+use App\Exceptions\WalletNotEnoughException;
 use App\Helpers\Paginator as PaginatorHelper;
 use App\Models\BalanceLog;
 use App\Models\Order;
 use App\Models\PayLog;
+use App\Models\User;
 use App\Models\WalletLog;
+use App\Models\WalletToBankLog;
+use App\Rules\PhoneNumber;
 use App\Services\BalanceService;
 use App\Services\PayService;
 use App\Services\WalletService;
 use Illuminate\Http\Request;
+use Illuminate\Support\Arr;
 use Illuminate\Support\Facades\DB;
 use Illuminate\Validation\Rule;
 use Throwable;
@@ -32,7 +39,7 @@ class WalletController extends Controller
     {
         return response()->json([
             'distribution_pre' => $request->user()->distributionPreIncomes()->pending()->sum('total_revenue'),
-            'wallet_balance'=> $request->user()->wallet?->balance ?? 0,
+            'wallet_balance'=> $request->user()->wallet?->balance_format ?? 0,
         ]);
     }
 
@@ -64,7 +71,7 @@ class WalletController extends Controller
     {
         $perPage = PaginatorHelper::resolvePerPage('per_page', 20, 50);
 
-        $walletLogs = $request->user()->walletLogs()
+        $walletLogs = $request->user()->walletLogs()->filter($request->all())
                             ->latest('id')
                             ->simplePaginate($perPage);
 
@@ -78,6 +85,13 @@ class WalletController extends Controller
      */
     public function balanceLogs(Request $request)
     {
+        $perPage = PaginatorHelper::resolvePerPage('per_page', 20, 50);
+
+        $walletLogs = $request->user()->balanceLogs()->filter($request->all())
+                            ->latest('id')
+                            ->simplePaginate($perPage);
+
+        return BalanceLogResource::collection($walletLogs);
     }
 
     /**
@@ -141,4 +155,127 @@ class WalletController extends Controller
 
         return response()->noContent();
     }
+
+    /**
+     * 提现到银行
+     *
+     * @return void
+     */
+    public function walletToBank(Request $request, WalletService $walletService)
+    {
+        $input = $request->validate([
+            'amount' => ['bail', 'required', 'int', 'min:1'],
+            'wallet_password' => ['bail', 'required', 'filled', 'string', 'size:6'],
+        ]);
+
+        $user = $request->user();
+        //校验安全密码
+        if (! $user->wallet?->verifyPassword($input['wallet_password'])) {
+            throw new PayPasswordIncorrectException();
+        }
+
+        if (is_null($user->bank)) {
+            throw new BizException('请先绑定设置银行卡');
+        }
+        try {
+            DB::beginTransaction();
+
+            //生成提现记录
+            $log = WalletToBankLog::create([
+                'user_id' =>$user->id,
+                'bank_name' => $user->bank->bank_name,
+                'bank_number' => $user->bank->bank_number,
+                'bank_description' => $user->bank->bank_description,
+                'username' => $user->bank->real_name,
+                'amount'=> Arr::get($input, 'amount', 0),
+            ]);
+
+            //减去用户可提金额
+            $walletService->changeBalance($user, -Arr::get($input, 'amount', 0), WalletLog::ACTION_WITHDRAW_BANK, '提现-银行卡', $log);
+            DB::commit();
+        } catch (WalletNotEnoughException $th) {
+            DB::rollBack();
+            throw new BizException('可提金额不足');
+        } catch (Throwable $th) {
+            DB::rollBack();
+            report($th);
+            throw new BizException('系统繁忙，请稍后再试');
+        }
+        return response()->noContent();
+    }
+
+    /**
+     * 提现到余额
+     *
+     * @param Request $request
+     * @return void
+     */
+    public function walletToBalance(Request $request, WalletService $walletService, BalanceService $balanceService)
+    {
+        $input = $request->validate([
+            'amount' => ['bail', 'required', 'int', 'min:1'],
+            'wallet_password' => ['bail', 'required', 'filled', 'string', 'size:6'],
+        ]);
+
+        $user = $request->user();
+        //校验安全密码
+        if (! $user->wallet?->verifyPassword($input['wallet_password'])) {
+            throw new PayPasswordIncorrectException();
+        }
+
+        try {
+            DB::beginTransaction();
+
+            //余额添加
+            $log = $balanceService->changeBalance($user, Arr::get($input, 'amount', 0), BalanceLog::ACTION_WALLET_IN, '可提-转入');
+            //减去用户可提金额
+            $walletService->changeBalance($user, -Arr::get($input, 'amount', 0), WalletLog::ACTION_WITHDRAW_BALACNE, '提现-余额', $log);
+
+            DB::commit();
+        } catch (WalletNotEnoughException $th) {
+            DB::rollBack();
+            throw new BizException('可提金额不足');
+        } catch (Throwable $th) {
+            DB::rollBack();
+            report($th);
+            throw new BizException('系统繁忙，请稍后再试');
+        }
+        return response()->noContent();
+    }
+
+    /**
+     * 余额转账
+     *
+     * @return void
+     */
+    public function balanceTransfer(Request $request, BalanceService $balanceService)
+    {
+        $input = $request->validate([
+            'phone' => ['bail', 'required', new PhoneNumber()],
+            'amount' => ['bail', 'required', 'int', 'min:1'],
+            'wallet_password' => ['bail', 'required', 'filled', 'string', 'size:6'],
+        ]);
+
+        //判断转账对象是否存在
+        $toUser = User::where('phone', '=', $input['phone'])->first();
+        if (is_null($toUser)) {
+            throw new BizException('转账对象不存在');
+        }
+        $user = $request->user();
+        try {
+            DB::beginTransaction();
+            //转出对象
+            $log = $balanceService->changeBalance($user, -Arr::get($input, 'amount', 0), BalanceLog::ACTION_TRANSFER_OUT, '转出-'.$toUser->phone);
+
+            //转入对象
+            $balanceService->changeBalance($toUser, Arr::get($input, 'amount', 0), BalanceLog::ACTION_TRANSFER_IN, $toUser->phone.'-转入', $log);
+
+            DB::commit();
+        } catch (Throwable $th) {
+            DB::rollBack();
+            report($th);
+        }
+
+        return response()->noContent();
+    }
 }
diff --git a/app/Endpoint/Api/Http/Controllers/Account/WalletPasswordController.php b/app/Endpoint/Api/Http/Controllers/Account/WalletPasswordController.php
index 31443222..7ab67753 100644
--- a/app/Endpoint/Api/Http/Controllers/Account/WalletPasswordController.php
+++ b/app/Endpoint/Api/Http/Controllers/Account/WalletPasswordController.php
@@ -17,8 +17,8 @@ class WalletPasswordController extends Controller
     public function reset(Request $request)
     {
         $input = $request->validate([
-            'old_password' => ['bail', 'filled', 'string', 'min:6', 'max:6'],
-            'new_password' => ['bail', 'required', 'string', 'min:6', 'max:6'],
+            'old_password' => ['bail', 'filled', 'string', 'size:6'],
+            'new_password' => ['bail', 'required', 'string', 'size:6'],
         ]);
 
         $wallet = $request->user()->wallet;
diff --git a/app/Endpoint/Api/Http/Resources/BalanceLogResource.php b/app/Endpoint/Api/Http/Resources/BalanceLogResource.php
new file mode 100644
index 00000000..984b7f20
--- /dev/null
+++ b/app/Endpoint/Api/Http/Resources/BalanceLogResource.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace App\Endpoint\Api\Http\Resources;
+
+use Illuminate\Http\Resources\Json\JsonResource;
+
+class BalanceLogResource extends JsonResource
+{
+    /**
+     * Transform the resource into an array.
+     *
+     * @param  \Illuminate\Http\Request  $request
+     * @return array|\Illuminate\Contracts\Support\Arrayable|\JsonSerializable
+     */
+    public function toArray($request)
+    {
+        return [
+            'remarks'        => $this->remarks,
+            'created_at'     => $this->created_at->format('y-m-d H:i'),
+            'change_balance' => $this->change_balance_format,
+        ];
+    }
+}
diff --git a/app/Endpoint/Api/Http/Resources/UserBalanceResource.php b/app/Endpoint/Api/Http/Resources/UserBalanceResource.php
new file mode 100644
index 00000000..8d40ff93
--- /dev/null
+++ b/app/Endpoint/Api/Http/Resources/UserBalanceResource.php
@@ -0,0 +1,32 @@
+<?php
+
+namespace App\Endpoint\Api\Http\Resources;
+
+use Illuminate\Http\Resources\Json\JsonResource;
+
+class UserBalanceResource extends JsonResource
+{
+    /**
+     * Transform the resource into an array.
+     *
+     * @param  \Illuminate\Http\Request  $request
+     * @return array|\Illuminate\Contracts\Support\Arrayable|\JsonSerializable
+     */
+    public function toArray($request)
+    {
+        if (is_null($this->resource)) {//没有钱包数据时默认数据
+            return [
+                'balance'=> '0.00',
+                // 'total_expenses'=> $this->total_expenses,
+                // 'total_revenue' => $this->total_revenue,
+                // 'withdrawable'  => $this->withdrawable,
+            ];
+        }
+        return [
+            'balance'=>$this->balance_format,
+            // 'total_expenses'=> $this->total_expenses,
+            // 'total_revenue' => $this->total_revenue,
+            // 'withdrawable'  => $this->withdrawable,
+        ];
+    }
+}
diff --git a/app/Endpoint/Api/Http/Resources/UserWalletResource.php b/app/Endpoint/Api/Http/Resources/UserWalletResource.php
index be667d9c..97964c0e 100644
--- a/app/Endpoint/Api/Http/Resources/UserWalletResource.php
+++ b/app/Endpoint/Api/Http/Resources/UserWalletResource.php
@@ -16,7 +16,7 @@ class UserWalletResource extends JsonResource
     {
         if (is_null($this->resource)) {//没有钱包数据时默认数据
             return [
-                // 'balance'=>$this->balance,
+                'balance'=> '0.00',
                 // 'total_expenses'=> $this->total_expenses,
                 // 'total_revenue' => $this->total_revenue,
                 // 'withdrawable'  => $this->withdrawable,
@@ -24,7 +24,7 @@ class UserWalletResource extends JsonResource
             ];
         }
         return [
-            // 'balance'=>$this->balance,
+            'balance'=>$this->balance_format,
             // 'total_expenses'=> $this->total_expenses,
             // 'total_revenue' => $this->total_revenue,
             // 'withdrawable'  => $this->withdrawable,
diff --git a/app/Endpoint/Api/Http/Resources/WalletLogResource.php b/app/Endpoint/Api/Http/Resources/WalletLogResource.php
index 222afbb4..104170d0 100644
--- a/app/Endpoint/Api/Http/Resources/WalletLogResource.php
+++ b/app/Endpoint/Api/Http/Resources/WalletLogResource.php
@@ -17,7 +17,7 @@ class WalletLogResource extends JsonResource
         return [
             'remarks'        => $this->remarks,
             'created_at'     => $this->created_at->format('y-m-d H:i'),
-            'change_balance' => $this->change_balance,
+            'change_balance' => $this->change_balance_format,
         ];
     }
 }
diff --git a/app/Endpoint/Api/routes.php b/app/Endpoint/Api/routes.php
index 40e7c0b0..198be79c 100644
--- a/app/Endpoint/Api/routes.php
+++ b/app/Endpoint/Api/routes.php
@@ -91,7 +91,11 @@ Route::group([
         Route::get('wallet', [WalletController::class, 'index']);
         Route::get('wallet/distribution-logs', [WalletController::class, 'distributionLogs']);
         Route::get('wallet/wallet-logs', [WalletController::class, 'walletLogs']);
+        Route::get('wallet/balance-logs', [WalletController::class, 'balanceLogs']);
         Route::post('wallet/pay', [WalletController::class, 'pay']);
+        Route::post('wallet/wallet-to-bank', [WalletController::class, 'walletToBank']);
+        Route::post('wallet/wallet-to-balance', [WalletController::class, 'walletToBalance']);
+        Route::post('wallet/balance-transfer', [WalletController::class, 'balanceTransfer']);
 
         //银行卡
         Route::get('user-bank', [UserBankController::class, 'show']);
diff --git a/app/Models/Balance.php b/app/Models/Balance.php
index 0945ad92..888de031 100644
--- a/app/Models/Balance.php
+++ b/app/Models/Balance.php
@@ -33,4 +33,9 @@ class Balance extends Model
     protected $casts = [
         'transferable' => 'bool',
     ];
+
+    public function getBalanceFormatAttribute()
+    {
+        return trim_trailing_zeros(bcdiv($this->attributes['balance'], 100, 2));
+    }
 }
diff --git a/app/Models/BalanceLog.php b/app/Models/BalanceLog.php
index 1bb91af1..a3f527d3 100644
--- a/app/Models/BalanceLog.php
+++ b/app/Models/BalanceLog.php
@@ -2,13 +2,19 @@
 
 namespace App\Models;
 
+use EloquentFilter\Filterable;
 use Illuminate\Database\Eloquent\Model;
 
 class BalanceLog extends Model
 {
+    use Filterable;
+
     public const ACTION_ORDER_PAID = 1;
     public const ACTION_ORDER_CANCELLED = 2;
     public const ACTION_ORDER_AFTER_SALE = 3;
+    public const ACTION_WALLET_IN = 4;
+    public const ACTION_TRANSFER_OUT = 5;
+    public const ACTION_TRANSFER_IN = 6;
 
     /**
      * @var array
@@ -23,6 +29,16 @@ class BalanceLog extends Model
         'remarks',
     ];
 
+    /**
+     * 转账记录
+     *
+     * @return void
+     */
+    public function scopeOnlyTransfer($query)
+    {
+        return $query->whereIn('action', [self::ACTION_TRANSFER_OUT, self::ACTION_TRANSFER_IN]);
+    }
+
     /**
      * 获取变动金额
      *
diff --git a/app/Models/Wallet.php b/app/Models/Wallet.php
index f022367e..16d00bcd 100644
--- a/app/Models/Wallet.php
+++ b/app/Models/Wallet.php
@@ -45,6 +45,11 @@ class Wallet extends Model
         'withdrawable' => 'bool',
     ];
 
+    public function getBalanceFormatAttribute()
+    {
+        return trim_trailing_zeros(bcdiv($this->attributes['balance'], 100, 2));
+    }
+
     /**
      * 设置此用户的安全密码
      *
diff --git a/app/Models/WalletLog.php b/app/Models/WalletLog.php
index 154502b2..4375659b 100644
--- a/app/Models/WalletLog.php
+++ b/app/Models/WalletLog.php
@@ -2,13 +2,18 @@
 
 namespace App\Models;
 
+use EloquentFilter\Filterable;
 use Illuminate\Database\Eloquent\Model;
 
 class WalletLog extends Model
 {
+    use Filterable;
+
     public const ACTION_ORDER_PAID = 1;
     public const ACTION_ORDER_CANCELLED = 2;
     public const ACTION_ORDER_AFTER_SALE = 3;
+    public const ACTION_WITHDRAW_BANK = 4;
+    public const ACTION_WITHDRAW_BALACNE = 5;
 
     /**
      * @var array
@@ -23,6 +28,16 @@ class WalletLog extends Model
         'remarks',
     ];
 
+    /**
+     * 提现到余额的明细
+     *
+     * @param [type] $query
+     */
+    public function scopeOnlyWithdrawBalance($query)
+    {
+        return $query->where('action', '=', self::ACTION_WITHDRAW_BALACNE);
+    }
+
     /**
      * 获取变动金额
      *
diff --git a/app/Models/WalletToBankLog.php b/app/Models/WalletToBankLog.php
new file mode 100644
index 00000000..d92fb753
--- /dev/null
+++ b/app/Models/WalletToBankLog.php
@@ -0,0 +1,25 @@
+<?php
+
+namespace App\Models;
+
+use Dcat\Admin\Traits\HasDateTimeFormatter;
+use Illuminate\Database\Eloquent\Factories\HasFactory;
+use Illuminate\Database\Eloquent\Model;
+
+class WalletToBankLog extends Model
+{
+    use HasFactory;
+    use HasDateTimeFormatter;
+
+    /**
+    * @var array
+    */
+    protected $fillable = [
+        'user_id',
+        'bank_name',
+        'bank_number',
+        'bank_description',
+        'username',
+        'amount',
+    ];
+}
diff --git a/app/Providers/AppServiceProvider.php b/app/Providers/AppServiceProvider.php
index 11ccc8f5..485f0f56 100644
--- a/app/Providers/AppServiceProvider.php
+++ b/app/Providers/AppServiceProvider.php
@@ -38,6 +38,8 @@ class AppServiceProvider extends ServiceProvider
             'order' => \App\Models\Order::class,
             'order_refund_log' => \App\Models\OrderRefundLog::class,
             'after_sale' => \App\Models\AfterSale::class,
+            'wallet_to_bank_log' => \App\Models\WalletToBankLog::class,
+            'balance_log' => \App\Models\BalanceLog::class,
         ]);
 
         JsonResource::withoutWrapping();
diff --git a/app/Services/BalanceService.php b/app/Services/BalanceService.php
index 88ce7051..7b29e18c 100644
--- a/app/Services/BalanceService.php
+++ b/app/Services/BalanceService.php
@@ -60,7 +60,7 @@ class BalanceService
             ]);
         }
 
-        $user->balanceLogs()->create([
+        return $user->balanceLogs()->create([
             'loggable_id' => $loggable?->id,
             'loggable_type' => $loggable?->getMorphClass(),
             'before_balance' => $beforeBalance,
diff --git a/database/migrations/2021_12_28_132115_create_wallet_to_bank_logs_table.php b/database/migrations/2021_12_28_132115_create_wallet_to_bank_logs_table.php
new file mode 100644
index 00000000..68f2737b
--- /dev/null
+++ b/database/migrations/2021_12_28_132115_create_wallet_to_bank_logs_table.php
@@ -0,0 +1,39 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+class CreateWalletToBankLogsTable extends Migration
+{
+    /**
+     * Run the migrations.
+     *
+     * @return void
+     */
+    public function up()
+    {
+        Schema::create('wallet_to_bank_logs', function (Blueprint $table) {
+            $table->id();
+            $table->unsignedBigInteger('user_id')->comment('用户ID');
+            $table->string('bank_name')->comment('收款银行');
+            $table->string('bank_number')->comment('收款银行卡号');
+            $table->string('bank_description')->comment('收款银行开户行');
+            $table->string('username')->comment('持卡人');
+            $table->unsignedBigInteger('amount')->comment('提现金额：分');
+            $table->unsignedTinyInteger('status')->default(0)->comment('状态：0未处理，1成功，2失败');
+            $table->string('remarks')->nullable()->comment('备注');
+            $table->timestamps();
+        });
+    }
+
+    /**
+     * Reverse the migrations.
+     *
+     * @return void
+     */
+    public function down()
+    {
+        Schema::dropIfExists('wallet_to_bank_logs');
+    }
+}