diff --git a/web/src/components/layout/app-providers.tsx b/web/src/components/layout/app-providers.tsx
index 96f5f1996..034e26855 100644
--- a/web/src/components/layout/app-providers.tsx
+++ b/web/src/components/layout/app-providers.tsx
@@ -1,24 +1,15 @@
 import type { ReactNode } from "react";
 import { useEffect } from "react";
-import { QueryClient, QueryClientProvider } from "@tanstack/react-query";
+import { QueryClientProvider } from "@tanstack/react-query";
 import { App, ConfigProvider } from "antd";
 import zhCN from "antd/locale/zh_CN";
 
 import { AuthSessionHydrator } from "@/components/auth/auth-session-hydrator";
 import { ClientRootInit } from "@/components/layout/client-root-init";
 import { getAntThemeConfig } from "@/lib/app-theme";
+import { appQueryClient } from "@/lib/query-client";
 import { useThemeStore } from "@/stores/use-theme-store";
 
-const queryClient = new QueryClient({
-    defaultOptions: {
-        queries: {
-            staleTime: 30_000,
-            retry: false,
-            refetchOnWindowFocus: false,
-        },
-    },
-});
-
 export function AppProviders({ children }: { children: ReactNode }) {
     const theme = useThemeStore((state) => state.theme);
     const dark = theme === "dark";
@@ -31,7 +22,7 @@ export function AppProviders({ children }: { children: ReactNode }) {
     return (
         <ConfigProvider locale={zhCN} theme={getAntThemeConfig(dark)}>
             <App message={{ duration: 3, maxCount: 3 }} notification={{ duration: 4.5, maxCount: 3, placement: "topRight" }}>
-                <QueryClientProvider client={queryClient}>
+                <QueryClientProvider client={appQueryClient}>
                     <AuthSessionHydrator>
                         <ClientRootInit>{children}</ClientRootInit>
                     </AuthSessionHydrator>
diff --git a/web/src/hooks/use-wallet-balance.ts b/web/src/hooks/use-wallet-balance.ts
index 5f40b8adc..ef1c608e9 100644
--- a/web/src/hooks/use-wallet-balance.ts
+++ b/web/src/hooks/use-wallet-balance.ts
@@ -1,32 +1,52 @@
-import { useCallback, useEffect, useState } from "react";
+import { useCallback, useEffect, useRef, useState } from "react";
 
 import { getWallet } from "@/services/api/wallet";
 
 const WALLET_REFRESH_INTERVAL_MS = 30_000;
 
+type WalletBalanceSnapshot = {
+    userId: string;
+    availableMicrocredits: number | null;
+    refreshing: boolean;
+};
+
 export function useWalletBalance(userId?: string, enabled = true) {
-    const [availableMicrocredits, setAvailableMicrocredits] = useState<number | null>(null);
-    const [refreshing, setRefreshing] = useState(false);
+    const activeUserId = enabled ? userId || "" : "";
+    const requestSequence = useRef(0);
+    const [snapshot, setSnapshot] = useState<WalletBalanceSnapshot>({ userId: "", availableMicrocredits: null, refreshing: false });
 
     const refresh = useCallback(async () => {
-        if (!enabled || !userId) {
-            setAvailableMicrocredits(null);
+        const requestedUserId = activeUserId;
+        const sequence = ++requestSequence.current;
+        if (!requestedUserId) {
+            setSnapshot({ userId: "", availableMicrocredits: null, refreshing: false });
             return;
         }
-        setRefreshing(true);
+        setSnapshot((current) => ({
+            userId: requestedUserId,
+            availableMicrocredits: current.userId === requestedUserId ? current.availableMicrocredits : null,
+            refreshing: true,
+        }));
         try {
             const wallet = await getWallet(1, 1);
-            setAvailableMicrocredits(wallet.account.availableMicrocredits);
-        } catch {
-            // 顶栏余额是只读辅助信息，读取失败时保留上次成功值，避免短暂网络错误造成闪烁。
-        } finally {
-            setRefreshing(false);
+            if (sequence !== requestSequence.current) return;
+            if (wallet.account.userId !== requestedUserId) throw new Error("积分账户与当前用户不一致");
+            setSnapshot({ userId: requestedUserId, availableMicrocredits: wallet.account.availableMicrocredits, refreshing: false });
+        } catch (error) {
+            if (sequence !== requestSequence.current) return;
+            console.warn("积分余额刷新失败", error);
+            setSnapshot((current) => ({
+                userId: requestedUserId,
+                availableMicrocredits: current.userId === requestedUserId ? current.availableMicrocredits : null,
+                refreshing: false,
+            }));
         }
-    }, [enabled, userId]);
+    }, [activeUserId]);
 
     useEffect(() => {
-        if (!enabled || !userId) {
-            setAvailableMicrocredits(null);
+        if (!activeUserId) {
+            requestSequence.current += 1;
+            setSnapshot({ userId: "", availableMicrocredits: null, refreshing: false });
             return;
         }
         void refresh();
@@ -39,12 +59,18 @@ export function useWalletBalance(userId?: string, enabled = true) {
         window.addEventListener("wallet:updated", handleFocus);
         document.addEventListener("visibilitychange", handleVisibility);
         return () => {
+            requestSequence.current += 1;
             window.clearInterval(timer);
             window.removeEventListener("focus", handleFocus);
             window.removeEventListener("wallet:updated", handleFocus);
             document.removeEventListener("visibilitychange", handleVisibility);
         };
-    }, [enabled, refresh, userId]);
+    }, [activeUserId, refresh]);
 
-    return { availableMicrocredits, refreshing, refresh };
+    const snapshotMatchesUser = snapshot.userId === activeUserId;
+    return {
+        availableMicrocredits: snapshotMatchesUser ? snapshot.availableMicrocredits : null,
+        refreshing: snapshotMatchesUser ? snapshot.refreshing : Boolean(activeUserId),
+        refresh,
+    };
 }
diff --git a/web/src/lib/query-client.ts b/web/src/lib/query-client.ts
new file mode 100644
index 000000000..4fa4eb098
--- /dev/null
+++ b/web/src/lib/query-client.ts
@@ -0,0 +1,11 @@
+import { QueryClient } from "@tanstack/react-query";
+
+export const appQueryClient = new QueryClient({
+    defaultOptions: {
+        queries: {
+            staleTime: 30_000,
+            retry: false,
+            refetchOnWindowFocus: false,
+        },
+    },
+});
diff --git a/web/src/lib/user-session.ts b/web/src/lib/user-session.ts
index 950fca272..de998eaf3 100644
--- a/web/src/lib/user-session.ts
+++ b/web/src/lib/user-session.ts
@@ -1,5 +1,6 @@
 import { getSystemChannels, type AuthSessionPayload } from "@/services/api/auth";
 import { localForageStorage } from "@/lib/localforage-storage";
+import { appQueryClient } from "@/lib/query-client";
 import { scopedLocalStorage, setActiveUserScope } from "@/lib/user-scope";
 import { CANVAS_STORE_KEY, flushCanvasStorePersistence, useCanvasStore } from "@/stores/canvas/use-canvas-store";
 import { ASSET_STORE_KEY, useAssetStore } from "@/stores/use-asset-store";
@@ -8,8 +9,12 @@ import { useUserStore } from "@/stores/use-user-store";
 import { installRemoteUserDataAutoSync, resetRemoteUserDataSync, syncRemoteUserData } from "@/services/user-data-sync";
 
 export async function applyUserSession(payload: AuthSessionPayload) {
+    const previousUserId = useUserStore.getState().user?.id || "";
+    const nextUserId = payload.user?.id || "";
     useUserStore.getState().setHydrated(false);
     try {
+        // Query key 不携带用户 ID；身份变化时必须取消并清空旧账号请求，避免跨账号复用内存数据。
+        if (previousUserId !== nextUserId) appQueryClient.clear();
         resetRemoteUserDataSync();
         await flushCanvasStorePersistence();
         setActiveUserScope(payload.user?.id);