diff --git a/supply-api/cmd/supply-api/main.go b/supply-api/cmd/supply-api/main.go
index 6db8396a..532dd0fe 100644
--- a/supply-api/cmd/supply-api/main.go
+++ b/supply-api/cmd/supply-api/main.go
@@ -430,6 +430,10 @@ func (a *InMemorySettlementStoreAdapter) GetWithdrawableBalance(ctx context.Cont
 	return a.store.GetWithdrawableBalance(ctx, supplierID)
 }
 
+func (a *InMemorySettlementStoreAdapter) HasPendingOrProcessingWithdraw(ctx context.Context, supplierID int64) (bool, error) {
+	return a.store.HasPendingOrProcessingWithdraw(ctx, supplierID)
+}
+
 // InMemoryEarningStoreAdapter 内存收益存储适配器
 type InMemoryEarningStoreAdapter struct {
 	store *storage.InMemoryEarningStore
@@ -521,6 +525,10 @@ func (s *DBSettlementStore) GetWithdrawableBalance(ctx context.Context, supplier
 	return s.accountRepo.GetWithdrawableBalance(ctx, supplierID)
 }
 
+func (s *DBSettlementStore) HasPendingOrProcessingWithdraw(ctx context.Context, supplierID int64) (bool, error) {
+	return s.repo.HasPendingOrProcessingWithdraw(ctx, supplierID)
+}
+
 // DBEarningStore DB-backed收益存储
 type DBEarningStore struct {
 	usageRepo *repository.UsageRepository
diff --git a/supply-api/internal/benchmark/domain_bench_test.go b/supply-api/internal/benchmark/domain_bench_test.go
new file mode 100644
index 00000000..cd6f9f65
--- /dev/null
+++ b/supply-api/internal/benchmark/domain_bench_test.go
@@ -0,0 +1,403 @@
+//go:build slow
+// +build slow
+
+package benchmark
+
+import (
+	"context"
+	"fmt"
+	"testing"
+
+	"lijiaoqiao/supply-api/internal/audit"
+	"lijiaoqiao/supply-api/internal/domain"
+)
+
+// BenchmarkAccountService_Create 基准测试：账号创建性能
+func BenchmarkAccountService_Create(b *testing.B) {
+	if testing.Short() {
+		b.Skip("Skipping benchmark in short mode")
+	}
+
+	store := newMockAccountStoreForBenchmark()
+	auditStore := &mockAuditStoreForBenchmark{}
+	svc := domain.NewAccountService(store, auditStore)
+	ctx := context.Background()
+
+	req := &domain.CreateAccountRequest{
+		SupplierID:  1001,
+		Provider:    domain.ProviderOpenAI,
+		AccountType: domain.AccountTypeAPIKey,
+		Credential:  "sk-test-key-benchmark",
+		Alias:       "bench-account",
+		RiskAck:     true,
+	}
+
+	b.ResetTimer()
+	b.ReportAllocs()
+
+	for i := 0; i < b.N; i++ {
+		req.Alias = fmt.Sprintf("bench-account-%d", i)
+		_, _ = svc.Create(ctx, req)
+	}
+}
+
+// BenchmarkAccountService_Verify 基准测试：账号验证性能
+func BenchmarkAccountService_Verify(b *testing.B) {
+	if testing.Short() {
+		b.Skip("Skipping benchmark in short mode")
+	}
+
+	store := newMockAccountStoreForBenchmark()
+	auditStore := &mockAuditStoreForBenchmark{}
+	svc := domain.NewAccountService(store, auditStore)
+	ctx := context.Background()
+
+	// 先创建一个账号
+	req := &domain.CreateAccountRequest{
+		SupplierID:  1001,
+		Provider:    domain.ProviderOpenAI,
+		AccountType: domain.AccountTypeAPIKey,
+		Credential:  "sk-test-key-benchmark",
+		Alias:       "bench-account",
+		RiskAck:     true,
+	}
+	account, _ := svc.Create(ctx, req)
+	_ = account
+
+	b.ResetTimer()
+	b.ReportAllocs()
+
+	for i := 0; i < b.N; i++ {
+		_, _ = svc.Verify(ctx, 1001, domain.ProviderOpenAI, domain.AccountTypeAPIKey, "sk-test-key-benchmark")
+	}
+}
+
+// BenchmarkPackageService_CreateDraft 基准测试：套餐创建性能
+func BenchmarkPackageService_CreateDraft(b *testing.B) {
+	if testing.Short() {
+		b.Skip("Skipping benchmark in short mode")
+	}
+
+	store := newMockPackageStoreForBenchmark()
+	accountStore := newMockAccountStoreForBenchmark()
+	auditStore := &mockAuditStoreForBenchmark{}
+	svc := domain.NewPackageService(store, accountStore, auditStore)
+	ctx := context.Background()
+
+	req := &domain.CreatePackageDraftRequest{
+		SupplierID:       1001,
+		AccountID:        1,
+		Model:            "gpt-4o-mini",
+		TotalQuota:       1000000,
+		PricePer1MInput:  0.5,
+		PricePer1MOutput: 1.5,
+		ValidDays:        30,
+		MaxConcurrent:    10,
+		RateLimitRPM:     1000,
+	}
+
+	b.ResetTimer()
+	b.ReportAllocs()
+
+	for i := 0; i < b.N; i++ {
+		_, _ = svc.CreateDraft(ctx, 1001, req)
+	}
+}
+
+// BenchmarkPackageService_BatchUpdatePrice 基准测试：批量调价性能
+func BenchmarkPackageService_BatchUpdatePrice(b *testing.B) {
+	if testing.Short() {
+		b.Skip("Skipping benchmark in short mode")
+	}
+
+	store := newMockPackageStoreForBenchmark()
+	accountStore := newMockAccountStoreForBenchmark()
+	auditStore := &mockAuditStoreForBenchmark{}
+	svc := domain.NewPackageService(store, accountStore, auditStore)
+	ctx := context.Background()
+
+	// 创建多个套餐
+	for i := 0; i < 100; i++ {
+		req := &domain.CreatePackageDraftRequest{
+			SupplierID:       1001,
+			AccountID:        1,
+			Model:            fmt.Sprintf("gpt-4o-mini-%d", i),
+			TotalQuota:       1000000,
+			PricePer1MInput:  0.5,
+			PricePer1MOutput: 1.5,
+			ValidDays:        30,
+		}
+		pkg, _ := svc.CreateDraft(ctx, 1001, req)
+		_, _ = svc.Publish(ctx, 1001, pkg.ID)
+	}
+
+	b.ResetTimer()
+	b.ReportAllocs()
+
+	for i := 0; i < b.N; i++ {
+		req := &domain.BatchUpdatePriceRequest{
+			Items: make([]domain.BatchPriceItem, 50),
+		}
+		for j := 0; j < 50; j++ {
+			req.Items[j] = domain.BatchPriceItem{
+				PackageID:        int64(j + 1),
+				PricePer1MInput:  float64(i) * 0.1,
+				PricePer1MOutput: float64(i) * 0.2,
+			}
+		}
+		_, _ = svc.BatchUpdatePrice(ctx, 1001, req)
+	}
+}
+
+// BenchmarkSettlementService_Withdraw 基准测试：提现性能
+func BenchmarkSettlementService_Withdraw(b *testing.B) {
+	if testing.Short() {
+		b.Skip("Skipping benchmark in short mode")
+	}
+
+	store := newMockSettlementStoreForBenchmark()
+	earningStore := newMockEarningStoreForBenchmark()
+	auditStore := &mockAuditStoreForBenchmark{}
+	svc := domain.NewSettlementService(store, earningStore, auditStore)
+	ctx := context.Background()
+
+	b.ResetTimer()
+	b.ReportAllocs()
+
+	for i := 0; i < b.N; i++ {
+		req := &domain.WithdrawRequest{
+			Amount:         100.00,
+			PaymentMethod:  domain.PaymentMethodBank,
+			PaymentAccount: "bank-1234567890",
+			SMSCode:       "123456",
+		}
+		_, _ = svc.Withdraw(ctx, 1001, req)
+	}
+}
+
+// BenchmarkConcurrentAccountAccess 基准测试：并发账号访问
+func BenchmarkConcurrentAccountAccess(b *testing.B) {
+	if testing.Short() {
+		b.Skip("Skipping benchmark in short mode")
+	}
+
+	store := newMockAccountStoreForBenchmark()
+	auditStore := &mockAuditStoreForBenchmark{}
+	svc := domain.NewAccountService(store, auditStore)
+	ctx := context.Background()
+
+	// 先创建一个账号
+	req := &domain.CreateAccountRequest{
+		SupplierID:  1001,
+		Provider:    domain.ProviderOpenAI,
+		AccountType: domain.AccountTypeAPIKey,
+		Credential:  "sk-test-key-benchmark",
+		Alias:       "bench-account",
+		RiskAck:     true,
+	}
+	account, _ := svc.Create(ctx, req)
+	_ = account
+
+	b.ResetTimer()
+
+	for i := 0; i < b.N; i++ {
+		_, _ = store.GetByID(ctx, 1001, 1)
+	}
+}
+
+// BenchmarkSettlementConcurrency 基准测试：结算并发冲突
+func BenchmarkSettlementConcurrency(b *testing.B) {
+	if testing.Short() {
+		b.Skip("Skipping benchmark in short mode")
+	}
+
+	store := newMockSettlementStoreForBenchmark()
+	earningStore := newMockEarningStoreForBenchmark()
+	auditStore := &mockAuditStoreForBenchmark{}
+	svc := domain.NewSettlementService(store, earningStore, auditStore)
+	ctx := context.Background()
+
+	// 创建一个待处理的结算单
+	settlement, _ := svc.Withdraw(ctx, 1001, &domain.WithdrawRequest{
+		Amount:         100.00,
+		PaymentMethod:  domain.PaymentMethodBank,
+		PaymentAccount: "bank-1234567890",
+		SMSCode:       "123456",
+	})
+	_ = settlement
+
+	b.ResetTimer()
+	b.ReportAllocs()
+
+	// 模拟并发取消
+	for i := 0; i < b.N; i++ {
+		_, _ = svc.Cancel(context.Background(), 1001, 1)
+	}
+}
+
+// 辅助类型
+
+type mockAccountStoreForBenchmark struct {
+	accounts map[int64]*domain.Account
+	nextID   int64
+}
+
+func newMockAccountStoreForBenchmark() *mockAccountStoreForBenchmark {
+	return &mockAccountStoreForBenchmark{
+		accounts: make(map[int64]*domain.Account),
+		nextID:   1,
+	}
+}
+
+func (m *mockAccountStoreForBenchmark) Create(ctx context.Context, account *domain.Account) error {
+	account.ID = m.nextID
+	m.nextID++
+	m.accounts[account.ID] = account
+	return nil
+}
+
+func (m *mockAccountStoreForBenchmark) GetByID(ctx context.Context, supplierID, id int64) (*domain.Account, error) {
+	if account, ok := m.accounts[id]; ok && account.SupplierID == supplierID {
+		return account, nil
+	}
+	return nil, fmt.Errorf("account not found")
+}
+
+func (m *mockAccountStoreForBenchmark) Update(ctx context.Context, account *domain.Account) error {
+	m.accounts[account.ID] = account
+	return nil
+}
+
+func (m *mockAccountStoreForBenchmark) List(ctx context.Context, supplierID int64) ([]*domain.Account, error) {
+	var result []*domain.Account
+	for _, account := range m.accounts {
+		if account.SupplierID == supplierID {
+			result = append(result, account)
+		}
+	}
+	return result, nil
+}
+
+type mockPackageStoreForBenchmark struct {
+	packages map[int64]*domain.Package
+	nextID   int64
+}
+
+func newMockPackageStoreForBenchmark() *mockPackageStoreForBenchmark {
+	return &mockPackageStoreForBenchmark{
+		packages: make(map[int64]*domain.Package),
+		nextID:   1,
+	}
+}
+
+func (m *mockPackageStoreForBenchmark) Create(ctx context.Context, pkg *domain.Package) error {
+	pkg.ID = m.nextID
+	m.nextID++
+	m.packages[pkg.ID] = pkg
+	return nil
+}
+
+func (m *mockPackageStoreForBenchmark) GetByID(ctx context.Context, supplierID, id int64) (*domain.Package, error) {
+	if pkg, ok := m.packages[id]; ok && pkg.SupplierID == supplierID {
+		return pkg, nil
+	}
+	return nil, fmt.Errorf("package not found")
+}
+
+func (m *mockPackageStoreForBenchmark) Update(ctx context.Context, pkg *domain.Package) error {
+	m.packages[pkg.ID] = pkg
+	return nil
+}
+
+func (m *mockPackageStoreForBenchmark) List(ctx context.Context, supplierID int64) ([]*domain.Package, error) {
+	var result []*domain.Package
+	for _, pkg := range m.packages {
+		if pkg.SupplierID == supplierID {
+			result = append(result, pkg)
+		}
+	}
+	return result, nil
+}
+
+type mockSettlementStoreForBenchmark struct {
+	settlements map[int64]*domain.Settlement
+	nextID      int64
+	balance     float64
+}
+
+func newMockSettlementStoreForBenchmark() *mockSettlementStoreForBenchmark {
+	return &mockSettlementStoreForBenchmark{
+		settlements: make(map[int64]*domain.Settlement),
+		nextID:      1,
+		balance:     100000.00,
+	}
+}
+
+func (m *mockSettlementStoreForBenchmark) Create(ctx context.Context, s *domain.Settlement) error {
+	s.ID = m.nextID
+	m.nextID++
+	m.settlements[s.ID] = s
+	return nil
+}
+
+func (m *mockSettlementStoreForBenchmark) GetByID(ctx context.Context, supplierID, id int64) (*domain.Settlement, error) {
+	if s, ok := m.settlements[id]; ok && s.SupplierID == supplierID {
+		return s, nil
+	}
+	return nil, fmt.Errorf("settlement not found")
+}
+
+func (m *mockSettlementStoreForBenchmark) Update(ctx context.Context, s *domain.Settlement, expectedVersion int) error {
+	m.settlements[s.ID] = s
+	return nil
+}
+
+func (m *mockSettlementStoreForBenchmark) List(ctx context.Context, supplierID int64) ([]*domain.Settlement, error) {
+	var result []*domain.Settlement
+	for _, s := range m.settlements {
+		if s.SupplierID == supplierID {
+			result = append(result, s)
+		}
+	}
+	return result, nil
+}
+
+func (m *mockSettlementStoreForBenchmark) GetWithdrawableBalance(ctx context.Context, supplierID int64) (float64, error) {
+	return m.balance, nil
+}
+
+func (m *mockSettlementStoreForBenchmark) HasPendingOrProcessingWithdraw(ctx context.Context, supplierID int64) (bool, error) {
+	return false, nil
+}
+
+type mockEarningStoreForBenchmark struct{}
+
+func newMockEarningStoreForBenchmark() *mockEarningStoreForBenchmark {
+	return &mockEarningStoreForBenchmark{}
+}
+
+func (m *mockEarningStoreForBenchmark) ListRecords(ctx context.Context, supplierID int64, startDate, endDate string, page, pageSize int) ([]*domain.EarningRecord, int, error) {
+	return []*domain.EarningRecord{}, 0, nil
+}
+
+func (m *mockEarningStoreForBenchmark) GetBillingSummary(ctx context.Context, supplierID int64, startDate, endDate string) (*domain.BillingSummary, error) {
+	return &domain.BillingSummary{}, nil
+}
+
+type mockAuditStoreForBenchmark struct{}
+
+func (m *mockAuditStoreForBenchmark) Emit(ctx context.Context, event audit.Event) error {
+	return nil
+}
+
+func (m *mockAuditStoreForBenchmark) Query(ctx context.Context, filter audit.EventFilter) ([]audit.Event, error) {
+	return nil, nil
+}
+
+func (m *mockAuditStoreForBenchmark) QueryWithTotal(ctx context.Context, filter audit.EventFilter) ([]audit.Event, int64, error) {
+	return nil, 0, nil
+}
+
+func (m *mockAuditStoreForBenchmark) GetByID(ctx context.Context, eventID string) (audit.Event, error) {
+	return audit.Event{}, fmt.Errorf("not found")
+}
diff --git a/supply-api/internal/domain/invariants.go b/supply-api/internal/domain/invariants.go
index 00366b1c..e2b8501e 100644
--- a/supply-api/internal/domain/invariants.go
+++ b/supply-api/internal/domain/invariants.go
@@ -32,6 +32,9 @@ var (
 
 	// INV-SET-003: 结算单金额与余额流水必须平衡
 	ErrSettlementBalanceMismatch = errors.New("SUP_SET_5002: settlement amount does not match balance ledger")
+
+	// INV-SET-004: 已有处理中的提现时不允许再次提现
+	ErrWithdrawAlreadyProcessing = errors.New("SUP_SET_4093: another withdrawal is already processing")
 )
 
 // InvariantChecker 领域不变量检查器
diff --git a/supply-api/internal/domain/invariants_test.go b/supply-api/internal/domain/invariants_test.go
index 72e77936..524b306b 100644
--- a/supply-api/internal/domain/invariants_test.go
+++ b/supply-api/internal/domain/invariants_test.go
@@ -130,6 +130,10 @@ func (m *mockSettlementStoreForInvariant) GetWithdrawableBalance(ctx context.Con
 	return 0, nil
 }
 
+func (m *mockSettlementStoreForInvariant) HasPendingOrProcessingWithdraw(ctx context.Context, supplierID int64) (bool, error) {
+	return false, nil
+}
+
 func TestValidateAccountStateTransition(t *testing.T) {
 	tests := []struct {
 		name     string
diff --git a/supply-api/internal/domain/settlement.go b/supply-api/internal/domain/settlement.go
index 0d569b87..a523c16c 100644
--- a/supply-api/internal/domain/settlement.go
+++ b/supply-api/internal/domain/settlement.go
@@ -140,6 +140,8 @@ type SettlementStore interface {
 	Update(ctx context.Context, s *Settlement, expectedVersion int) error
 	List(ctx context.Context, supplierID int64) ([]*Settlement, error)
 	GetWithdrawableBalance(ctx context.Context, supplierID int64) (float64, error)
+	// HasPendingOrProcessingWithdraw 检查是否有待处理或处理中的提现单
+	HasPendingOrProcessingWithdraw(ctx context.Context, supplierID int64) (bool, error)
 }
 
 // 收益仓储接口
@@ -176,6 +178,15 @@ func (s *settlementService) Withdraw(ctx context.Context, supplierID int64, req
 		return nil, errors.New("invalid sms code")
 	}
 
+	// INV-SET-004: 检查是否已有待处理或处理中的提现
+	hasPending, err := s.store.HasPendingOrProcessingWithdraw(ctx, supplierID)
+	if err != nil {
+		return nil, err
+	}
+	if hasPending {
+		return nil, ErrWithdrawAlreadyProcessing
+	}
+
 	// 验证金额：必须为正数
 	if req.Amount <= 0 {
 		return nil, errors.New("SUP_SET_4003: withdraw amount must be positive")
diff --git a/supply-api/internal/domain/settlement_test.go b/supply-api/internal/domain/settlement_test.go
index 98d252f2..f506acdf 100644
--- a/supply-api/internal/domain/settlement_test.go
+++ b/supply-api/internal/domain/settlement_test.go
@@ -65,6 +65,10 @@ func (m *mockSettlementStore) GetWithdrawableBalance(ctx context.Context, suppli
 	return 0, nil
 }
 
+func (m *mockSettlementStore) HasPendingOrProcessingWithdraw(ctx context.Context, supplierID int64) (bool, error) {
+	return false, nil
+}
+
 // mockEarningStore Mock收益存储
 type mockEarningStore struct {
 	records []*EarningRecord
diff --git a/supply-api/internal/repository/settlement.go b/supply-api/internal/repository/settlement.go
index 1ae4459a..62e227da 100644
--- a/supply-api/internal/repository/settlement.go
+++ b/supply-api/internal/repository/settlement.go
@@ -209,6 +209,22 @@ func (r *SettlementRepository) GetProcessing(ctx context.Context, tx pgxpool.Tx,
 	return s, nil
 }
 
+// HasPendingOrProcessingWithdraw 检查是否有待处理或处理中的提现单
+func (r *SettlementRepository) HasPendingOrProcessingWithdraw(ctx context.Context, supplierID int64) (bool, error) {
+	query := `
+		SELECT EXISTS(
+			SELECT 1 FROM supply_settlements
+			WHERE user_id = $1 AND status IN ('pending', 'processing')
+		)
+	`
+	var exists bool
+	err := r.pool.QueryRow(ctx, query, supplierID).Scan(&exists)
+	if err != nil {
+		return false, fmt.Errorf("failed to check pending/processing settlement: %w", err)
+	}
+	return exists, nil
+}
+
 // List 列出结算单
 func (r *SettlementRepository) List(ctx context.Context, supplierID int64) ([]*domain.Settlement, error) {
 	query := `
diff --git a/supply-api/internal/storage/store.go b/supply-api/internal/storage/store.go
index d84dfc4d..75630f33 100644
--- a/supply-api/internal/storage/store.go
+++ b/supply-api/internal/storage/store.go
@@ -213,6 +213,20 @@ func (s *InMemorySettlementStore) GetWithdrawableBalance(ctx context.Context, su
 	return 10000.0, nil
 }
 
+func (s *InMemorySettlementStore) HasPendingOrProcessingWithdraw(ctx context.Context, supplierID int64) (bool, error) {
+	s.mu.RLock()
+	defer s.mu.RUnlock()
+
+	for _, settlement := range s.settlements {
+		if settlement.SupplierID == supplierID {
+			if settlement.Status == domain.SettlementStatusPending || settlement.Status == domain.SettlementStatusProcessing {
+				return true, nil
+			}
+		}
+	}
+	return false, nil
+}
+
 // 内存收益存储
 type InMemoryEarningStore struct {
 	mu      sync.RWMutex
diff --git a/supply-api/internal/testutil/mock/mocks.go b/supply-api/internal/testutil/mock/mocks.go
new file mode 100644
index 00000000..2abfa5e2
--- /dev/null
+++ b/supply-api/internal/testutil/mock/mocks.go
@@ -0,0 +1,237 @@
+package mock
+
+import (
+	"context"
+	"errors"
+
+	"lijiaoqiao/supply-api/internal/audit"
+	"lijiaoqiao/supply-api/internal/domain"
+)
+
+// MockAccountStore 账号存储 mock
+type MockAccountStore struct {
+	Accounts map[int64]*domain.Account
+	NextID   int64
+}
+
+// NewMockAccountStore 创建账号存储 mock
+func NewMockAccountStore() *MockAccountStore {
+	return &MockAccountStore{
+		Accounts: make(map[int64]*domain.Account),
+		NextID:   1,
+	}
+}
+
+func (m *MockAccountStore) Create(ctx context.Context, account *domain.Account) error {
+	account.ID = m.NextID
+	m.NextID++
+	m.Accounts[account.ID] = account
+	return nil
+}
+
+func (m *MockAccountStore) GetByID(ctx context.Context, supplierID, id int64) (*domain.Account, error) {
+	if account, ok := m.Accounts[id]; ok && account.SupplierID == supplierID {
+		return account, nil
+	}
+	return nil, errors.New("account not found")
+}
+
+func (m *MockAccountStore) Update(ctx context.Context, account *domain.Account) error {
+	if _, ok := m.Accounts[account.ID]; ok {
+		m.Accounts[account.ID] = account
+		return nil
+	}
+	return errors.New("account not found")
+}
+
+func (m *MockAccountStore) List(ctx context.Context, supplierID int64) ([]*domain.Account, error) {
+	var result []*domain.Account
+	for _, account := range m.Accounts {
+		if account.SupplierID == supplierID {
+			result = append(result, account)
+		}
+	}
+	return result, nil
+}
+
+// MockPackageStore 套餐存储 mock
+type MockPackageStore struct {
+	Packages map[int64]*domain.Package
+}
+
+// NewMockPackageStore 创建套餐存储 mock
+func NewMockPackageStore() *MockPackageStore {
+	return &MockPackageStore{
+		Packages: make(map[int64]*domain.Package),
+	}
+}
+
+func (m *MockPackageStore) Create(ctx context.Context, pkg *domain.Package) error {
+	if pkg.ID == 0 {
+		pkg.ID = int64(len(m.Packages) + 1)
+	}
+	m.Packages[pkg.ID] = pkg
+	return nil
+}
+
+func (m *MockPackageStore) GetByID(ctx context.Context, supplierID, id int64) (*domain.Package, error) {
+	if pkg, ok := m.Packages[id]; ok && pkg.SupplierID == supplierID {
+		return pkg, nil
+	}
+	return nil, errors.New("package not found")
+}
+
+func (m *MockPackageStore) Update(ctx context.Context, pkg *domain.Package) error {
+	if _, ok := m.Packages[pkg.ID]; ok {
+		m.Packages[pkg.ID] = pkg
+		return nil
+	}
+	return errors.New("package not found")
+}
+
+func (m *MockPackageStore) List(ctx context.Context, supplierID int64) ([]*domain.Package, error) {
+	var result []*domain.Package
+	for _, pkg := range m.Packages {
+		if pkg.SupplierID == supplierID {
+			result = append(result, pkg)
+		}
+	}
+	return result, nil
+}
+
+// MockSettlementStore 结算存储 mock
+type MockSettlementStore struct {
+	Settlements map[int64]*domain.Settlement
+	NextID      int64
+	Balance     float64
+}
+
+// NewMockSettlementStore 创建结算存储 mock
+func NewMockSettlementStore() *MockSettlementStore {
+	return &MockSettlementStore{
+		Settlements: make(map[int64]*domain.Settlement),
+		NextID:      1,
+		Balance:     10000.00, // 默认余额
+	}
+}
+
+func (m *MockSettlementStore) Create(ctx context.Context, s *domain.Settlement) error {
+	s.ID = m.NextID
+	m.NextID++
+	m.Settlements[s.ID] = s
+	return nil
+}
+
+func (m *MockSettlementStore) GetByID(ctx context.Context, supplierID, id int64) (*domain.Settlement, error) {
+	if s, ok := m.Settlements[id]; ok && s.SupplierID == supplierID {
+		return s, nil
+	}
+	return nil, errors.New("settlement not found")
+}
+
+func (m *MockSettlementStore) Update(ctx context.Context, s *domain.Settlement, expectedVersion int) error {
+	if existing, ok := m.Settlements[s.ID]; ok && existing.Version != expectedVersion {
+		return errors.New("concurrency conflict")
+	}
+	m.Settlements[s.ID] = s
+	return nil
+}
+
+func (m *MockSettlementStore) List(ctx context.Context, supplierID int64) ([]*domain.Settlement, error) {
+	var result []*domain.Settlement
+	for _, s := range m.Settlements {
+		if s.SupplierID == supplierID {
+			result = append(result, s)
+		}
+	}
+	return result, nil
+}
+
+func (m *MockSettlementStore) GetWithdrawableBalance(ctx context.Context, supplierID int64) (float64, error) {
+	return m.Balance, nil
+}
+
+func (m *MockSettlementStore) HasPendingOrProcessingWithdraw(ctx context.Context, supplierID int64) (bool, error) {
+	return false, nil // 默认允许提现
+}
+
+// MockEarningStore 收益存储 mock
+type MockEarningStore struct {
+	Records []*domain.EarningRecord
+}
+
+// NewMockEarningStore 创建收益存储 mock
+func NewMockEarningStore() *MockEarningStore {
+	return &MockEarningStore{
+		Records: make([]*domain.EarningRecord, 0),
+	}
+}
+
+func (m *MockEarningStore) ListRecords(ctx context.Context, supplierID int64, startDate, endDate string, page, pageSize int) ([]*domain.EarningRecord, int, error) {
+	return m.Records, len(m.Records), nil
+}
+
+func (m *MockEarningStore) GetBillingSummary(ctx context.Context, supplierID int64, startDate, endDate string) (*domain.BillingSummary, error) {
+	return &domain.BillingSummary{
+		Period: domain.BillingPeriod{
+			Start: startDate,
+			End:   endDate,
+		},
+		Summary: domain.BillingTotal{
+			TotalRevenue: 1000.00,
+			TotalOrders:  100,
+		},
+	}, nil
+}
+
+// MockAuditStore 审计存储 mock
+type MockAuditStore struct {
+	Events []audit.Event
+	EmitFn func(ctx context.Context, event audit.Event) error
+}
+
+// NewMockAuditStore 创建审计存储 mock
+func NewMockAuditStore() *MockAuditStore {
+	return &MockAuditStore{
+		Events: make([]audit.Event, 0),
+		EmitFn: func(ctx context.Context, event audit.Event) error {
+			return nil
+		},
+	}
+}
+
+func (m *MockAuditStore) Emit(ctx context.Context, event audit.Event) error {
+	m.Events = append(m.Events, event)
+	return m.EmitFn(ctx, event)
+}
+
+func (m *MockAuditStore) Query(ctx context.Context, filter audit.EventFilter) ([]audit.Event, error) {
+	return m.Events, nil
+}
+
+func (m *MockAuditStore) QueryWithTotal(ctx context.Context, filter audit.EventFilter) ([]audit.Event, int64, error) {
+	return m.Events, int64(len(m.Events)), nil
+}
+
+func (m *MockAuditStore) GetByID(ctx context.Context, eventID string) (audit.Event, error) {
+	return audit.Event{}, errors.New("not found")
+}
+
+// MockFailingAuditStore 总是失败的审计存储 mock（用于测试错误处理）
+type MockFailingAuditStore struct{}
+
+func (m *MockFailingAuditStore) Emit(ctx context.Context, event audit.Event) error {
+	return errors.New("audit emit failed")
+}
+
+func (m *MockFailingAuditStore) Query(ctx context.Context, filter audit.EventFilter) ([]audit.Event, error) {
+	return nil, nil
+}
+
+func (m *MockFailingAuditStore) QueryWithTotal(ctx context.Context, filter audit.EventFilter) ([]audit.Event, int64, error) {
+	return nil, 0, nil
+}
+
+func (m *MockFailingAuditStore) GetByID(ctx context.Context, eventID string) (audit.Event, error) {
+	return audit.Event{}, errors.New("not found")
+}