diff --git a/web/src/components/auth/auth-session-hydrator.tsx b/web/src/components/auth/auth-session-hydrator.tsx
index 1d570042d..148d6858d 100644
--- a/web/src/components/auth/auth-session-hydrator.tsx
+++ b/web/src/components/auth/auth-session-hydrator.tsx
@@ -4,6 +4,7 @@ import { useEffect } from "react";
 import { applyUserSession } from "@/lib/user-session";
 import { getAuthSession } from "@/services/api/auth";
 import { FullScreenLoader } from "@/components/ui/aceternity/full-screen-loader";
+import { preloadWorkspaceRoute } from "@/lib/workspace-route-modules";
 import { useUserStore } from "@/stores/use-user-store";
 
 export function AuthSessionHydrator({ children }: { children: ReactNode }) {
@@ -11,6 +12,8 @@ export function AuthSessionHydrator({ children }: { children: ReactNode }) {
 
     useEffect(() => {
         let cancelled = false;
+        // 登录态与当前工作区 chunk 并行恢复，避免进入应用后再出现一次页面级等待。
+        preloadWorkspaceRoute(window.location.pathname);
         getAuthSession()
             .then(async (payload) => {
                 if (!cancelled) await applyUserSession(payload);
diff --git a/web/src/components/layout/app-top-nav.tsx b/web/src/components/layout/app-top-nav.tsx
index f20799198..c2660f47e 100644
--- a/web/src/components/layout/app-top-nav.tsx
+++ b/web/src/components/layout/app-top-nav.tsx
@@ -9,6 +9,7 @@ import { navigationTools, type NavigationToolSlug } from "@/constant/navigation-
 import { cn } from "@/lib/utils";
 import { refreshFeatureAvailability } from "@/lib/user-session";
 import { isSpatialWorkbenchPath } from "@/lib/workspace-routes";
+import { preloadWorkspaceRoute } from "@/lib/workspace-route-modules";
 import { useUserStore } from "@/stores/use-user-store";
 
 export function AppWorkspaceShell({ children }: { children: ReactNode }) {
@@ -60,6 +61,9 @@ export function AppWorkspaceShell({ children }: { children: ReactNode }) {
                 to={`/${tool.slug}`}
                 title={tool.label}
                 onClick={handleNavClick}
+                onFocus={() => preloadWorkspaceRoute(tool.slug)}
+                onPointerDown={() => preloadWorkspaceRoute(tool.slug)}
+                onPointerEnter={() => preloadWorkspaceRoute(tool.slug)}
                 className={cn(
                     "app-workspace-nav-link app-workspace-rail-tile grid size-10 place-items-center rounded-md text-[var(--fs-tiny)] transition-colors",
                     active ? "is-active font-medium" : "",
@@ -167,6 +171,9 @@ export function AppWorkspaceShell({ children }: { children: ReactNode }) {
                                                 to={`/${tool.slug}`}
                                                 title={tool.label}
                                                 onClick={handleNavClick}
+                                                onFocus={() => preloadWorkspaceRoute(tool.slug)}
+                                                onPointerDown={() => preloadWorkspaceRoute(tool.slug)}
+                                                onPointerEnter={() => preloadWorkspaceRoute(tool.slug)}
                                                 className={cn("app-workspace-nav-link relative mb-1 flex h-11 shrink-0 items-center gap-3 rounded-md px-2.5 text-[var(--fs-body)] transition-colors", active ? "is-active font-medium" : "text-foreground/55 hover:bg-surface-hover hover:text-foreground/85")}
                                             >
                                                 <Icon className="app-workspace-nav-icon shrink-0" strokeWidth={1.8} />
diff --git a/web/src/components/ui/aceternity/full-screen-loader.tsx b/web/src/components/ui/aceternity/full-screen-loader.tsx
index e72c1735e..88c169b62 100644
--- a/web/src/components/ui/aceternity/full-screen-loader.tsx
+++ b/web/src/components/ui/aceternity/full-screen-loader.tsx
@@ -1,6 +1,5 @@
-import { motion, useReducedMotion } from "motion/react";
+import { useEffect, useState } from "react";
 
-import { aceternityMotion } from "@/lib/aceternity-motion";
 import { cn } from "@/lib/utils";
 
 type FullScreenLoaderProps = {
@@ -9,69 +8,91 @@ type FullScreenLoaderProps = {
     className?: string;
 };
 
-export function FullScreenLoader({ label = "正在恢复创作空间", detail = "同步账号、模型和项目数据", className }: FullScreenLoaderProps) {
-    const reducedMotion = useReducedMotion();
-
+export function FullScreenLoader({ label = "正在恢复工作区", detail = "同步账号、模型和项目数据", className }: FullScreenLoaderProps) {
     return (
-        <motion.div
+        <div
+            data-full-screen-loader
             role="status"
             aria-live="polite"
             aria-label={`${label}，${detail}`}
-            initial={reducedMotion ? false : { opacity: 0 }}
-            animate={{ opacity: 1 }}
-            transition={{ duration: aceternityMotion.duration.state, ease: aceternityMotion.easing.enter }}
-            className={cn("fixed inset-0 z-[var(--loader-z)] grid min-h-dvh place-items-center overflow-hidden bg-[#f5f6f8] px-6 text-stone-950 dark:bg-[#0b0c0f] dark:text-white", className)}
+            className={cn("full-screen-loader", className)}
         >
-            <div
-                aria-hidden
-                className="absolute inset-0 bg-[linear-gradient(rgba(15,23,42,.045)_1px,transparent_1px),linear-gradient(90deg,rgba(15,23,42,.045)_1px,transparent_1px)] bg-[size:44px_44px] dark:bg-[linear-gradient(rgba(255,255,255,.035)_1px,transparent_1px),linear-gradient(90deg,rgba(255,255,255,.035)_1px,transparent_1px)]"
-            />
-            <div aria-hidden className="absolute inset-0 overflow-hidden opacity-70">
-                {[0, 1, 2].map((index) => (
-                    <motion.span
-                        key={index}
-                        className="absolute left-[-20%] h-px w-[140%] origin-center bg-current opacity-[0.08] dark:opacity-[0.12]"
-                        style={{ top: `${30 + index * 20}%`, rotate: index % 2 ? -7 : 7 }}
-                        animate={reducedMotion ? undefined : { x: ["-8%", "8%", "-8%"] }}
-                        transition={{ duration: 4.8 + index * 0.8, repeat: Infinity, ease: "easeInOut", delay: index * -1.1 }}
-                    />
-                ))}
-            </div>
+            <div className="full-screen-loader-shell">
+                <header className="full-screen-loader-topbar" aria-hidden="true">
+                    <div className="full-screen-loader-topbar-group">
+                        <span className="loader-placeholder loader-placeholder-control" />
+                        <span className="loader-placeholder loader-placeholder-mark" />
+                        <span className="loader-placeholder loader-placeholder-wordmark" />
+                    </div>
+                    <div className="full-screen-loader-topbar-group">
+                        <span className="loader-placeholder loader-placeholder-control" />
+                        <span className="loader-placeholder loader-placeholder-control" />
+                        <span className="loader-placeholder loader-placeholder-control" />
+                    </div>
+                </header>
 
-            <div className="relative flex w-full max-w-sm flex-col items-center text-center">
-                <div className="relative grid size-24 place-items-center">
-                    <motion.span
-                        aria-hidden
-                        className="absolute inset-1 rounded-[28px] border border-cyan-500/28 dark:border-cyan-300/22"
-                        animate={reducedMotion ? undefined : { rotate: 360 }}
-                        transition={{ duration: 3.2, repeat: Infinity, ease: "linear" }}
-                        style={{ clipPath: "polygon(0 0, 68% 0, 68% 2px, 0 2px, 0 100%)" }}
-                    />
-                    <motion.span
-                        aria-hidden
-                        className="absolute inset-3 rounded-[var(--panel-radius-wide-tight)] border border-amber-500/30 dark:border-amber-300/22"
-                        animate={reducedMotion ? undefined : { rotate: -360 }}
-                        transition={{ duration: 4.1, repeat: Infinity, ease: "linear" }}
-                        style={{ clipPath: "polygon(32% 0, 100% 0, 100% 100%, 98% 100%, 98% 2px, 32% 2px)" }}
-                    />
-                    <motion.span
-                        className="size-10 bg-current"
-                        style={{ mask: "url(/logo.svg) center / contain no-repeat", WebkitMask: "url(/logo.svg) center / contain no-repeat" }}
-                        animate={reducedMotion ? undefined : { opacity: [0.58, 1, 0.58], scale: [0.96, 1, 0.96] }}
-                        transition={{ duration: 1.8, repeat: Infinity, ease: "easeInOut" }}
-                    />
-                </div>
+                <div className="full-screen-loader-main">
+                    <aside className="full-screen-loader-rail" aria-hidden="true">
+                        <span className="loader-placeholder loader-placeholder-rail-item" />
+                        <span className="loader-placeholder loader-placeholder-rail-item" />
+                        <span className="loader-placeholder loader-placeholder-rail-item" />
+                        <span className="loader-placeholder loader-placeholder-rail-item" />
+                        <span className="loader-placeholder loader-placeholder-rail-item" />
+                    </aside>
 
-                <p className="mt-6 text-base font-semibold tracking-normal">{label}</p>
-                <p className="mt-2 text-sm text-stone-500 dark:text-white/42">{detail}</p>
-                <div aria-hidden className="relative mt-6 h-px w-44 overflow-hidden bg-stone-900/10 dark:bg-white/10">
-                    <motion.span
-                        className="absolute inset-y-0 left-0 w-16 bg-cyan-500 dark:bg-cyan-300"
-                        animate={reducedMotion ? { x: 56 } : { x: [-64, 176] }}
-                        transition={reducedMotion ? undefined : { duration: 1.15, repeat: Infinity, ease: aceternityMotion.easing.enter }}
-                    />
+                    <main className="full-screen-loader-stage">
+                        <div className="full-screen-loader-stage-header">
+                            <div className="full-screen-loader-status">
+                                <LoadingSignal />
+                                <span>{label}</span>
+                            </div>
+                            <span className="loader-placeholder loader-placeholder-action" aria-hidden="true" />
+                        </div>
+                        <div className="full-screen-loader-stage-grid" aria-hidden="true">
+                            <LoaderSurface />
+                            <LoaderSurface />
+                            <LoaderSurface />
+                            <LoaderSurface />
+                            <LoaderSurface />
+                            <LoaderSurface />
+                            <LoaderSurface />
+                            <LoaderSurface />
+                        </div>
+                    </main>
                 </div>
             </div>
-        </motion.div>
+        </div>
+    );
+}
+
+export function WorkspaceRouteLoader({ label = "正在打开页面" }: { label?: string }) {
+    const [visible, setVisible] = useState(false);
+
+    useEffect(() => {
+        const timer = window.setTimeout(() => setVisible(true), 140);
+        return () => window.clearTimeout(timer);
+    }, []);
+
+    return (
+        <section data-workspace-route-loader className={cn("workspace-route-loader", visible && "is-visible")} role="status" aria-live="polite" aria-label={label}>
+            <div className="workspace-route-loader-content">
+                <LoadingSignal />
+                <span>{label}</span>
+            </div>
+        </section>
+    );
+}
+
+function LoadingSignal() {
+    return <span className="loading-signal" aria-hidden="true" />;
+}
+
+function LoaderSurface() {
+    return (
+        <div className="full-screen-loader-surface">
+            <span className="loader-placeholder loader-placeholder-media" />
+            <span className="loader-placeholder loader-placeholder-title" />
+            <span className="loader-placeholder loader-placeholder-meta" />
+        </div>
     );
 }
diff --git a/web/src/lib/workspace-route-modules.ts b/web/src/lib/workspace-route-modules.ts
new file mode 100644
index 000000000..0b09368e4
--- /dev/null
+++ b/web/src/lib/workspace-route-modules.ts
@@ -0,0 +1,19 @@
+const workspaceRouteLoaders = {
+    assets: () => import("@/pages/assets"),
+    canvas: () => import("@/pages/canvas"),
+    create: () => import("@/pages/create"),
+    projects: () => import("@/pages/projects"),
+    wallet: () => import("@/pages/wallet"),
+};
+
+export const loadAssetsPage = workspaceRouteLoaders.assets;
+export const loadCanvasPage = workspaceRouteLoaders.canvas;
+export const loadCreatePage = workspaceRouteLoaders.create;
+export const loadProjectsPage = workspaceRouteLoaders.projects;
+export const loadWalletPage = workspaceRouteLoaders.wallet;
+
+export function preloadWorkspaceRoute(pathnameOrSlug: string) {
+    const slug = pathnameOrSlug.replace(/^\//, "").split("/", 1)[0] as keyof typeof workspaceRouteLoaders;
+    const load = workspaceRouteLoaders[slug];
+    if (load) void load();
+}
diff --git a/web/src/pages/wallet/index.tsx b/web/src/pages/wallet/index.tsx
index 29a0de919..203669366 100644
--- a/web/src/pages/wallet/index.tsx
+++ b/web/src/pages/wallet/index.tsx
@@ -142,26 +142,20 @@ export default function WalletPage() {
                 </div>
 
                 <section className="library-feature-grid mt-6 grid gap-4 lg:grid-cols-[minmax(0,1.35fr)_minmax(340px,0.65fr)]">
-                    <section className="credit-balance-card overflow-hidden rounded-lg">
-                        <div className="wallet-balance-inner flex min-h-[210px] flex-col justify-between p-5 sm:p-6">
-                            <div className="flex items-start justify-between gap-4">
-                                <div>
-                                    <div className="flex items-center gap-2 text-xs font-medium opacity-60">
-                                        <Coins className="size-4" />
-                                        可用创作积分
-                                    </div>
-                                    <div className="wallet-balance-number mt-4 flex items-baseline gap-2">
-                                        <span className="text-5xl font-semibold tabular-nums">{formatCredits(account?.availableMicrocredits || 0, 6)}</span>
-                                        <span className="text-sm opacity-55">积分</span>
-                                    </div>
-                                    <div className="mt-2 text-xs opacity-45">最近更新 {formatTime(account?.updatedAt)}</div>
+                    <section className="credit-balance-card">
+                        <div className="wallet-balance-inner">
+                            <div className="wallet-balance-primary">
+                                <div className="wallet-balance-heading">
+                                    <span className="wallet-balance-icon"><Coins /></span>
+                                    <div><strong>可用创作积分</strong><span>最近更新 {formatTime(account?.updatedAt)}</span></div>
+                                </div>
+                                <div className="wallet-balance-number">
+                                    <strong>{formatCredits(account?.availableMicrocredits || 0, 6)}</strong>
+                                    <span>积分</span>
                                 </div>
-                                <span className="inline-flex items-center gap-1.5 rounded-full bg-white/10 px-2.5 py-1 text-[var(--fs-label)] font-medium opacity-70">
-                                    <ShieldCheck className="size-3.5" />
-                                    账户正常
-                                </span>
                             </div>
-                            <div className="grid grid-cols-2 gap-3 pt-4">
+                            <div className="wallet-balance-details">
+                                <span className="wallet-account-status"><ShieldCheck />账户正常</span>
                                 <BalanceMetric label="冻结积分" description="调用中或待核对" value={account?.reservedMicrocredits || 0} icon={<TicketCheck className="size-4" />} />
                                 <BalanceMetric label="账户总额" description="可用与冻结合计" value={totalMicrocredits} icon={<Coins className="size-4" />} />
                             </div>
@@ -234,13 +228,9 @@ export default function WalletPage() {
 
 function BalanceMetric({ label, description, value, icon }: { label: string; description: string; value: number; icon: ReactNode }) {
     return (
-        <div className="flex min-w-0 items-center justify-between gap-3 px-1 py-2.5">
-            <div className="min-w-0">
-                <div className="text-[var(--fs-tiny)] opacity-48">{label}</div>
-                <div className="mt-0.5 truncate text-base font-semibold tabular-nums">{formatCredits(value, 6)}</div>
-                <div className="truncate text-[var(--fs-tiny)] opacity-35">{description}</div>
-            </div>
-            <span className="shrink-0 opacity-30">{icon}</span>
+        <div className="wallet-balance-metric">
+            <span className="wallet-balance-metric-icon">{icon}</span>
+            <div><span>{label}</span><strong>{formatCredits(value, 6)}</strong><small>{description}</small></div>
         </div>
     );
 }
diff --git a/web/src/router.tsx b/web/src/router.tsx
index e9555ba6f..b672be6c0 100644
--- a/web/src/router.tsx
+++ b/web/src/router.tsx
@@ -3,7 +3,8 @@ import { createBrowserRouter, Navigate, Outlet } from "react-router";
 
 import { RequireAuth } from "@/components/auth/require-auth";
 import { RequireFeature } from "@/components/auth/require-feature";
-import { FullScreenLoader } from "@/components/ui/aceternity/full-screen-loader";
+import { FullScreenLoader, WorkspaceRouteLoader } from "@/components/ui/aceternity/full-screen-loader";
+import { loadAssetsPage, loadCanvasPage, loadCreatePage, loadProjectsPage, loadWalletPage } from "@/lib/workspace-route-modules";
 import UserLayout from "@/layouts/user-layout";
 import { AuthScene } from "@/pages/auth/auth-scene";
 import RouteErrorPage from "@/pages/route-error";
@@ -23,25 +24,29 @@ const DrawingEngineSettingsPage = lazy(() => import("@/pages/admin/settings/draw
 const StorageSettingsPage = lazy(() => import("@/pages/admin/settings/storage-settings-page"));
 const StoryboardPromptsPage = lazy(() => import("@/pages/admin/storyboard-prompts/storyboard-prompts-page"));
 const UsersPage = lazy(() => import("@/pages/admin/users/users-page"));
-const AssetsPage = lazy(() => import("@/pages/assets"));
+const AssetsPage = lazy(loadAssetsPage);
 const LoginPage = lazy(() => import("@/pages/auth/login"));
 const RegisterPage = lazy(() => import("@/pages/auth/register"));
-const CanvasPage = lazy(() => import("@/pages/canvas"));
+const CanvasPage = lazy(loadCanvasPage);
 const CanvasProjectPage = lazy(() => import("@/pages/canvas/project"));
 const SharedCanvasPage = lazy(() => import("@/pages/canvas/shared"));
-const CreatePage = lazy(() => import("@/pages/create"));
+const CreatePage = lazy(loadCreatePage);
 const HomePage = lazy(() => import("@/pages/home"));
 const NotFound = lazy(() => import("@/pages/not-found"));
 const SkillsPage = lazy(() => import("@/pages/skills"));
 const TasksPage = lazy(() => import("@/pages/tasks"));
-const WalletPage = lazy(() => import("@/pages/wallet"));
-const ProjectsPage = lazy(() => import("@/pages/projects"));
+const WalletPage = lazy(loadWalletPage);
+const ProjectsPage = lazy(loadProjectsPage);
 const ProjectDetailPage = lazy(() => import("@/pages/projects/detail"));
 const SettingsPage = lazy(() => import("@/pages/settings"));
 const TestVoiceRecording = lazy(() => import("@/pages/test-voice-recording"));
 
 function deferred(element: ReactNode) {
-    return <Suspense fallback={<FullScreenLoader label="正在打开页面" detail="仅加载当前工作区所需内容" />}>{element}</Suspense>;
+    return <Suspense fallback={<WorkspaceRouteLoader />}>{element}</Suspense>;
+}
+
+function fullScreenDeferred(element: ReactNode) {
+    return <Suspense fallback={<FullScreenLoader label="正在打开创作空间" detail="准备当前页面" />}>{element}</Suspense>;
 }
 
 export const router = createBrowserRouter([
@@ -49,11 +54,11 @@ export const router = createBrowserRouter([
         element: <AuthScene />,
         errorElement: <RouteErrorPage />,
         children: [
-            { path: "/login", element: deferred(<LoginPage />) },
-            { path: "/register", element: deferred(<RegisterPage />) },
+            { path: "/login", element: fullScreenDeferred(<LoginPage />) },
+            { path: "/register", element: fullScreenDeferred(<RegisterPage />) },
         ],
     },
-    { path: "/share/canvas/:token", element: deferred(<SharedCanvasPage />), errorElement: <RouteErrorPage /> },
+    { path: "/share/canvas/:token", element: fullScreenDeferred(<SharedCanvasPage />), errorElement: <RouteErrorPage /> },
     {
         element: (
             <UserLayout>
@@ -102,5 +107,5 @@ export const router = createBrowserRouter([
             },
         ],
     },
-    { path: "*", element: deferred(<NotFound />) },
+    { path: "*", element: fullScreenDeferred(<NotFound />) },
 ]);
diff --git a/web/src/styles/globals.css b/web/src/styles/globals.css
index 09dad2995..5aa346842 100644
--- a/web/src/styles/globals.css
+++ b/web/src/styles/globals.css
@@ -1559,6 +1559,168 @@
         border-radius: 4px;
     }
 
+    /* 全屏仅用于应用启动；骨架延续真实工作区结构，路由加载只占内容舞台。 */
+    .full-screen-loader {
+        position: fixed;
+        inset: 0;
+        z-index: var(--loader-z);
+        min-height: 100dvh;
+        overflow: hidden;
+        background: var(--workspace-page);
+        color: var(--foreground);
+        animation: loader-surface-enter var(--motion-panel) var(--motion-ease-out) both;
+    }
+
+    .full-screen-loader-shell {
+        display: flex;
+        width: 100%;
+        height: 100dvh;
+        flex-direction: column;
+    }
+
+    .full-screen-loader-topbar {
+        display: flex;
+        height: var(--page-topbar-h);
+        flex: 0 0 var(--page-topbar-h);
+        align-items: center;
+        justify-content: space-between;
+        padding-inline: var(--space-5);
+        background: var(--workspace-navigation);
+    }
+
+    .full-screen-loader-topbar-group {
+        display: flex;
+        align-items: center;
+        gap: var(--space-2);
+    }
+
+    .loader-placeholder {
+        display: block;
+        background: color-mix(in srgb, var(--foreground) 6%, transparent);
+    }
+
+    .loader-placeholder-control,
+    .loader-placeholder-mark,
+    .loader-placeholder-rail-item {
+        border-radius: var(--r-md);
+    }
+
+    .loader-placeholder-control { width: 36px; height: 36px; }
+    .loader-placeholder-mark { width: 28px; height: 28px; }
+    .loader-placeholder-wordmark { width: 40px; height: 10px; border-radius: var(--r-full); }
+    .loader-placeholder-action { width: 88px; height: 32px; border-radius: var(--r-md); }
+
+    .full-screen-loader-main {
+        display: flex;
+        min-height: 0;
+        flex: 1 1 auto;
+    }
+
+    .full-screen-loader-rail {
+        display: flex;
+        width: 64px;
+        flex: 0 0 64px;
+        flex-direction: column;
+        align-items: center;
+        gap: var(--space-2);
+        padding-top: calc(var(--space-12) + var(--space-3));
+        background: var(--workspace-navigation);
+    }
+
+    .loader-placeholder-rail-item { width: 40px; height: 40px; }
+
+    .full-screen-loader-stage {
+        min-width: 0;
+        flex: 1 1 auto;
+        overflow: hidden;
+        padding: var(--space-8);
+        background: var(--workspace-content);
+    }
+
+    .full-screen-loader-stage-header {
+        display: flex;
+        min-height: var(--space-10);
+        align-items: center;
+        justify-content: space-between;
+        gap: var(--space-4);
+    }
+
+    .full-screen-loader-status,
+    .workspace-route-loader-content {
+        display: flex;
+        align-items: center;
+        gap: var(--space-3);
+        color: color-mix(in srgb, var(--foreground) 54%, transparent);
+        font-size: var(--fs-caption);
+    }
+
+    .loading-signal {
+        width: 20px;
+        height: 20px;
+        flex: 0 0 20px;
+        border: 2px solid color-mix(in srgb, var(--foreground) 12%, transparent);
+        border-top-color: color-mix(in srgb, var(--foreground) 72%, transparent);
+        border-radius: var(--r-full);
+        animation: loading-signal-spin 900ms linear infinite;
+    }
+
+    .full-screen-loader-stage-grid {
+        display: grid;
+        grid-template-columns: repeat(4, minmax(0, 1fr));
+        gap: var(--space-4);
+        margin-top: var(--space-6);
+    }
+
+    .full-screen-loader-surface { min-width: 0; }
+    .loader-placeholder-media { aspect-ratio: 16 / 10; border-radius: var(--r-lg); }
+    .loader-placeholder-title { width: 58%; height: 10px; margin-top: var(--space-3); border-radius: var(--r-full); }
+    .loader-placeholder-meta { width: 34%; height: 8px; margin-top: var(--space-2); border-radius: var(--r-full); opacity: 0.72; }
+
+    .workspace-route-loader {
+        position: absolute;
+        inset: 0;
+        display: grid;
+        min-height: 100%;
+        place-items: center;
+        background: var(--workspace-page);
+        color: var(--foreground);
+        opacity: 0;
+        transition: opacity var(--motion-instant) ease-out;
+    }
+
+    .workspace-route-loader.is-visible { opacity: 1; }
+    .workspace-route-loader-content { justify-content: center; }
+
+    @keyframes loader-surface-enter {
+        from { opacity: 0; }
+        to { opacity: 1; }
+    }
+
+    @keyframes loading-signal-spin {
+        to { transform: rotate(360deg); }
+    }
+
+    @media (max-width: 1023px) {
+        .full-screen-loader-rail { display: none; }
+        .full-screen-loader-stage { padding: var(--space-6); }
+        .full-screen-loader-stage-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
+    }
+
+    @media (max-width: 639px) {
+        .full-screen-loader-topbar { padding-inline: var(--space-4); }
+        .full-screen-loader-topbar-group:last-child .loader-placeholder-control:not(:last-child) { display: none; }
+        .full-screen-loader-stage { padding: var(--space-5) var(--space-4); }
+        .full-screen-loader-stage-grid { grid-template-columns: 1fr; }
+        .full-screen-loader-stage-grid .full-screen-loader-surface:nth-child(n + 3) { display: none; }
+        .loader-placeholder-action { width: var(--space-10); }
+    }
+
+    @media (prefers-reduced-motion: reduce) {
+        .full-screen-loader { animation: none; }
+        .loading-signal { animation: none; }
+        .workspace-route-loader { transition: none; }
+    }
+
     :where(.ant-btn) {
         letter-spacing: 0;
         transition:
@@ -3405,13 +3567,6 @@
         box-shadow: 0 18px 54px color-mix(in srgb, var(--workspace-canvas) 62%, transparent), inset 0 1px 0 color-mix(in srgb, white 7%, transparent);
     }
 
-    .credit-balance-card {
-        border: 0;
-        background: var(--btn-solid-bg);
-        color: var(--btn-solid-fg);
-        box-shadow: none;
-    }
-
     .app-collection-card {
         position: relative;
         overflow: hidden;
@@ -4200,10 +4355,50 @@
     .skill-card-added-count { flex: 0 0 auto; color: color-mix(in srgb, var(--foreground) 36%, transparent); font-size: var(--fs-label); font-variant-numeric: tabular-nums; }
     .skill-card-owner-flag { flex: 1 1 auto; color: color-mix(in srgb, var(--foreground) 46%, transparent); font-size: var(--fs-caption); }
 
+    /* 积分页使用同一工作台表面，通过排版而非反色卡片表达资产层级。 */
     .wallet-library-page .app-page-header { padding-bottom: 0; }
     .wallet-library-page .app-workspace-surface { border: 0; background: color-mix(in srgb, var(--workspace-surface-strong) 76%, transparent); box-shadow: none; }
+    .wallet-library-page .wallet-credit-meta { gap: 6px; }
+    .wallet-library-page .wallet-credit-meta svg { color: currentColor; }
+    .credit-balance-card { overflow: hidden; border: 0; border-radius: var(--r-lg); background: var(--library-surface); color: var(--foreground); box-shadow: none; }
+    .wallet-balance-inner { display: grid; min-height: 210px; grid-template-columns: minmax(0, 1.15fr) minmax(280px, .85fr); gap: 32px; padding: 24px; }
+    .wallet-balance-primary { display: flex; min-width: 0; flex-direction: column; justify-content: space-between; }
+    .wallet-balance-heading { display: flex; min-width: 0; align-items: center; gap: 12px; }
+    .wallet-balance-heading > div { display: flex; min-width: 0; flex-direction: column; gap: 3px; }
+    .wallet-balance-heading strong { font-size: var(--fs-caption); font-weight: 600; }
+    .wallet-balance-heading div > span { overflow: hidden; color: color-mix(in srgb, var(--foreground) 44%, transparent); font-size: var(--fs-label); text-overflow: ellipsis; white-space: nowrap; }
+    .wallet-balance-icon { display: grid; width: 36px; height: 36px; flex: 0 0 auto; place-items: center; border-radius: var(--r-md); background: var(--library-icon-surface); color: color-mix(in srgb, var(--foreground) 68%, transparent); }
+    .wallet-balance-icon svg { width: 17px; height: 17px; }
+    .wallet-balance-number { display: flex; min-width: 0; align-items: baseline; gap: 8px; margin-top: 28px; }
+    .wallet-balance-number strong { min-width: 0; overflow-wrap: anywhere; font-size: var(--fs-display); font-variant-numeric: tabular-nums; font-weight: 620; line-height: 1; }
+    .wallet-balance-number > span { flex: 0 0 auto; color: color-mix(in srgb, var(--foreground) 48%, transparent); font-size: var(--fs-caption); }
+    .wallet-balance-details { display: grid; min-width: 0; grid-template-columns: repeat(2, minmax(0, 1fr)); align-content: end; gap: 20px; }
+    .wallet-account-status { display: inline-flex; grid-column: 1 / -1; align-items: center; justify-self: end; gap: 6px; color: color-mix(in srgb, var(--foreground) 58%, transparent); font-size: var(--fs-label); font-weight: 560; }
+    .wallet-account-status svg { width: 15px; height: 15px; }
+    .wallet-balance-metric { display: grid; min-width: 0; grid-template-columns: 28px minmax(0, 1fr); align-items: start; gap: 9px; }
+    .wallet-balance-metric-icon { display: grid; width: 28px; height: 28px; place-items: center; border-radius: var(--r-sm); background: color-mix(in srgb, var(--foreground) 5%, transparent); color: color-mix(in srgb, var(--foreground) 42%, transparent); }
+    .wallet-balance-metric-icon svg { width: 14px; height: 14px; }
+    .wallet-balance-metric > div { display: flex; min-width: 0; flex-direction: column; }
+    .wallet-balance-metric span { color: color-mix(in srgb, var(--foreground) 50%, transparent); font-size: var(--fs-tiny); }
+    .wallet-balance-metric strong { margin-top: 3px; overflow: hidden; font-size: var(--fs-heading); font-variant-numeric: tabular-nums; font-weight: 620; text-overflow: ellipsis; white-space: nowrap; }
+    .wallet-balance-metric small { margin-top: 2px; overflow: hidden; color: color-mix(in srgb, var(--foreground) 35%, transparent); font-size: var(--fs-tiny); text-overflow: ellipsis; white-space: nowrap; }
+    .wallet-library-page .wallet-redeem-icon { background: color-mix(in srgb, var(--foreground) 6%, transparent); color: color-mix(in srgb, var(--foreground) 72%, transparent); }
     .wallet-library-page .wallet-ledger-panel { margin-top: 28px; }
     .wallet-library-page .wallet-ledger-panel .app-table-surface { border: 0; box-shadow: none; }
+    .wallet-library-page .wallet-ledger-table .ant-table-thead > tr > th { height: 38px; padding: 8px 12px !important; background: color-mix(in srgb, var(--foreground) 4%, var(--background)) !important; color: color-mix(in srgb, var(--foreground) 52%, transparent) !important; font-size: var(--fs-label); font-weight: 500; }
+    .wallet-library-page .wallet-ledger-table .ant-table-tbody > tr > td { padding: 10px 12px !important; transition: background-color var(--motion-instant) ease-out; }
+    .wallet-library-page .wallet-ledger-table .ant-table-tbody > tr:hover > td { background: color-mix(in srgb, var(--foreground) 2.5%, var(--background)) !important; }
+    @media (max-width: 1120px) {
+        .wallet-balance-inner { grid-template-columns: minmax(0, 1fr); gap: 24px; }
+        .wallet-balance-details { align-content: start; }
+        .wallet-account-status { grid-row: 2; grid-column: 1 / -1; justify-self: start; }
+    }
+    @media (max-width: 520px) {
+        .wallet-balance-inner { min-height: 0; gap: 22px; padding: 20px; }
+        .wallet-balance-number { margin-top: 32px; }
+        .wallet-balance-details { grid-template-columns: minmax(0, 1fr); gap: 16px; }
+        .wallet-account-status { grid-row: auto; grid-column: auto; }
+    }
 
     .library-loading-grid { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 26px 18px; margin-top: 20px; }
     /* 画布骨架屏 - 使用新token */
@@ -10068,39 +10263,6 @@ html:not(.dark) .creation-home .storyboard-workbench-bar-action:hover { backgrou
 .assets-cover.is-light .assets-cover-more:hover { background: color-mix(in srgb, var(--foreground) 9%, transparent); color: var(--foreground); }
 .assets-cover.is-light .assets-cover-play::before { border-color: color-mix(in srgb, var(--foreground) 30%, transparent); background: color-mix(in srgb, var(--surface-card) 78%, transparent); }
 
-/* ===== 积分中心页重构 ===== */
-
-/* 1. 页头 · 统一 studio band（全局 .studio-band 提供） */
-.wallet-library-page .wallet-credit-meta { gap: 6px; }
-.wallet-library-page .wallet-credit-meta svg { color: currentColor; }
-
-/* 2. 余额卡与其他工作台卡片一样不使用装饰边线和侧条。 */
-.wallet-library-page .wallet-balance-inner { padding-left: 0; }
-.wallet-library-page .wallet-balance-number { letter-spacing: 0; }
-
-/* 3. 兑换面板 · 去琥珀图标块 */
-.wallet-library-page .wallet-redeem-icon {
-    background: color-mix(in srgb, var(--foreground) 6%, transparent);
-    color: color-mix(in srgb, var(--foreground) 72%, transparent);
-}
-
-/* 4. 流水表 · 表头收敛 + 行 hover 节奏 */
-.wallet-library-page .wallet-ledger-table .ant-table-thead > tr > th {
-    height: 38px;
-    padding: 8px 12px !important;
-    background: color-mix(in srgb, var(--foreground) 4%, var(--background)) !important;
-    color: color-mix(in srgb, var(--foreground) 52%, transparent) !important;
-    font-size: 11px;
-    font-weight: 500;
-}
-.wallet-library-page .wallet-ledger-table .ant-table-tbody > tr > td {
-    padding: 10px 12px !important;
-    transition: background-color var(--motion-instant) ease-out;
-}
-.wallet-library-page .wallet-ledger-table .ant-table-tbody > tr:hover > td {
-    background: color-mix(in srgb, var(--foreground) 2.5%, var(--background)) !important;
-}
-
 /* ===== AI Markdown ===== */
 
 .ai-message-markdown {
diff --git a/web/test/workspace-route-loading.test.ts b/web/test/workspace-route-loading.test.ts
new file mode 100644
index 000000000..126bf345f
--- /dev/null
+++ b/web/test/workspace-route-loading.test.ts
@@ -0,0 +1,57 @@
+import { describe, expect, test } from "bun:test";
+import { readFileSync } from "node:fs";
+import { resolve } from "node:path";
+
+function source(path: string) {
+    return readFileSync(resolve(import.meta.dir, path), "utf8");
+}
+
+describe("workspace route loading", () => {
+    test("keeps lazy workspace routes inside the workspace stage", () => {
+        const router = source("../src/router.tsx");
+        const deferred = router.slice(router.indexOf("function deferred"), router.indexOf("function fullScreenDeferred"));
+
+        expect(deferred).toContain("<WorkspaceRouteLoader />");
+        expect(deferred).not.toContain("FullScreenLoader");
+        expect(router).toContain("fullScreenDeferred(<LoginPage />)");
+        expect(router).toContain("fullScreenDeferred(<SharedCanvasPage />)");
+    });
+
+    test("preloads the reported workspace routes before navigation", () => {
+        const modules = source("../src/lib/workspace-route-modules.ts");
+        const navigation = source("../src/components/layout/app-top-nav.tsx");
+
+        for (const route of ["projects", "canvas", "assets", "wallet", "create"]) {
+            expect(modules).toContain(`${route}: () => import`);
+        }
+        expect(navigation).toContain("onPointerEnter={() => preloadWorkspaceRoute(tool.slug)}");
+        expect(navigation).toContain("onFocus={() => preloadWorkspaceRoute(tool.slug)}");
+    });
+
+    test("uses a quiet workspace skeleton for initial hydration", () => {
+        const loader = source("../src/components/ui/aceternity/full-screen-loader.tsx");
+        const css = source("../src/styles/globals.css");
+
+        expect(loader).toContain("full-screen-loader-topbar");
+        expect(loader).toContain("full-screen-loader-rail");
+        expect(loader).toContain("LoadingSignal");
+        expect(loader).not.toContain("YINGCE STUDIO");
+        expect(loader).not.toContain("loading-cue");
+        expect(css).toContain("@keyframes loading-signal-spin");
+        expect(css).toContain("@media (prefers-reduced-motion: reduce)");
+        expect(css).not.toContain("@keyframes loading-cue-pulse");
+    });
+});
+
+describe("wallet balance summary", () => {
+    test("uses the workspace surface instead of an inverted primary button surface", () => {
+        const css = source("../src/styles/globals.css");
+        const rule = css.match(/\.credit-balance-card \{[^}]+}/)?.[0] || "";
+
+        expect(rule).toContain("background: var(--library-surface)");
+        expect(rule).toContain("color: var(--foreground)");
+        expect(rule).not.toContain("--btn-solid-bg");
+        expect(css.match(/\.wallet-balance-inner \{/g)).toHaveLength(3);
+        expect(css).not.toContain(".wallet-library-page .wallet-balance-inner { padding-left: 0; }");
+    });
+});