diff --git a/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/dto/rule/WalletRuleTransferAccountsDto.java b/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/dto/rule/WalletRuleTransferAccountsDto.java
index a9f83662c..1be74d9a6 100644
--- a/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/dto/rule/WalletRuleTransferAccountsDto.java
+++ b/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/dto/rule/WalletRuleTransferAccountsDto.java
@@ -1,5 +1,6 @@
 package com.bsd.pjcloud.wallet.api.dto.rule;
 
+import com.bsd.pjcloud.common.core.validation.Group;
 import io.swagger.v3.oas.annotations.media.Schema;
 import jakarta.validation.constraints.NotNull;
 import lombok.Data;
@@ -8,18 +9,18 @@ import lombok.Data;
 public class WalletRuleTransferAccountsDto {
 
     @Schema(description = "用户id")
-    @NotNull(message = "用户id不能为空")
+    @NotNull(message = "用户id不能为空", groups = {Group.ADMIN.class})
     private Long userId;
 
     @Schema(description = "源钱包id")
-    @NotNull(message = "源钱包类型id不能为空")
+    @NotNull(message = "源钱包类型id不能为空", groups = {Group.ADMIN.class, Group.APP.class})
     private Long sourceWalletTypeId;
 
     @Schema(description = "目标钱包id")
-    @NotNull(message = "目标钱包类型id不能为空")
+    @NotNull(message = "目标钱包类型id不能为空", groups = {Group.ADMIN.class})
     private Long targetWalletTypeId;
 
     @Schema(description = "转换金额")
-    @NotNull(message = "转换金额不能为空")
+    @NotNull(message = "转换金额不能为空", groups = {Group.ADMIN.class, Group.APP.class})
     private Integer balance;
 }
diff --git a/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/vo/rule/WalletRuleJoinUserConfigVo.java b/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/vo/rule/WalletRuleJoinUserConfigVo.java
index cc99fbd4c..cecfe5aed 100644
--- a/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/vo/rule/WalletRuleJoinUserConfigVo.java
+++ b/pjcloud-wallet/pjcloud-wallet-api/src/main/java/com/bsd/pjcloud/wallet/api/vo/rule/WalletRuleJoinUserConfigVo.java
@@ -48,17 +48,17 @@ public class WalletRuleJoinUserConfigVo {
     private Integer changeTransferBalance = 0;
 
     /**
-     * 总充值余额
+     * 源钱包充值总金额
      */
     private Long totalTopUpBalance = 0L;
 
     /**
-     * 总的可以转账的金额
+     * 源钱包支持最大转账金额
      */
     private Long maxTransferBalance = 0L;
 
     /**
-     * 总的转账余额
+     * 目标钱包已转账金额
      */
     private Long totalTransferBalance = 0L;
 
diff --git a/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/controller/rule/WalletRuleTransactionController.java b/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/controller/rule/WalletRuleTransactionController.java
index b48eb7bf9..92bef4d3e 100644
--- a/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/controller/rule/WalletRuleTransactionController.java
+++ b/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/controller/rule/WalletRuleTransactionController.java
@@ -2,17 +2,26 @@ package com.bsd.pjcloud.wallet.controller.rule;
 
 import cn.hutool.core.util.ArrayUtil;
 import cn.hutool.core.collection.CollUtil;
+import cn.hutool.core.util.ObjectUtil;
 import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
 import com.baomidou.mybatisplus.core.toolkit.Wrappers;
 import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
 import com.bsd.pjcloud.common.core.util.R;
+import com.bsd.pjcloud.common.core.util.ValidGroup;
+import com.bsd.pjcloud.common.core.validation.Group;
 import com.bsd.pjcloud.common.data.datascope.DataScope;
 import com.bsd.pjcloud.common.data.datascope.DataScopeFuncEnum;
+import com.bsd.pjcloud.common.idempotent.annotation.Idempotent;
 import com.bsd.pjcloud.common.log.annotation.SysLog;
+import com.bsd.pjcloud.common.security.service.PjcloudUser;
+import com.bsd.pjcloud.common.security.util.SecurityUtils;
+import com.bsd.pjcloud.wallet.api.constant.WalletTypeEnum;
 import com.bsd.pjcloud.wallet.api.dto.rule.WalletRuleTransactionDto;
 import com.bsd.pjcloud.wallet.api.dto.rule.WalletRuleTransferAccountsDto;
+import com.bsd.pjcloud.wallet.api.entity.WalletTypeEntity;
 import com.bsd.pjcloud.wallet.api.entity.rule.WalletRuleTransactionEntity;
 import com.bsd.pjcloud.wallet.service.WalletRuleTransactionService;
+import com.bsd.pjcloud.wallet.service.WalletTypeService;
 import jakarta.validation.Valid;
 import org.springframework.security.access.prepost.PreAuthorize;
 import com.bsd.pjcloud.common.excel.annotation.ResponseExcel;
@@ -22,6 +31,7 @@ import org.springframework.http.HttpHeaders;
 import io.swagger.v3.oas.annotations.tags.Tag;
 import io.swagger.v3.oas.annotations.Operation;
 import lombok.RequiredArgsConstructor;
+import org.springframework.validation.annotation.Validated;
 import org.springframework.web.bind.annotation.*;
 
 import java.util.List;
@@ -38,17 +48,41 @@ import java.util.Objects;
 public class WalletRuleTransactionController {
 
     private final WalletRuleTransactionService walletRuleTransactionService;
+    private final WalletTypeService walletTypeService;
+
+    /* ************************************* start app start ************************************* */
+
+    @Operation(summary = "app转账", description = "app转账")
+    @PostMapping("/app/transfer-accounts")
+    @Idempotent(expireTime = 3, info = "正在处理中，请勿重复操作")
+    public R appTransferAccounts(@Validated(Group.APP.class) @RequestBody WalletRuleTransferAccountsDto body) {
+        PjcloudUser user = SecurityUtils.getUser();
+        body.setUserId(user.getId());
+        // 移动端不传默认消费钱包
+        if (ObjectUtil.isNotEmpty(body.getTargetWalletTypeId())) {
+            WalletTypeEntity walletType = walletTypeService.getByUniqueCode(WalletTypeEnum.PAY);
+            if (ObjectUtil.isNotEmpty(walletType)) {
+                body.setTargetWalletTypeId(walletType.getId());
+            }
+        }
+        walletRuleTransactionService.transferAccounts(body);
+        return R.ok();
+    }
+
+    /* ************************************* end app end ************************************* */
 
     @Operation(summary = "转账", description = "转账")
     @PostMapping("/transfer-accounts")
+    @Idempotent(expireTime = 3, info = "正在处理中，请勿重复操作")
     @PreAuthorize("@pms.hasPermission('wallet_walletRuleTransaction_transfer_accounts')")
-    public R transferAccounts(@Valid @RequestBody WalletRuleTransferAccountsDto body) {
+    public R transferAccounts(@Validated(Group.ADMIN.class) @RequestBody WalletRuleTransferAccountsDto body) {
         walletRuleTransactionService.transferAccounts(body);
         return R.ok();
     }
 
     @Operation(summary = "退回", description = "退回")
     @GetMapping("/refund")
+    @Idempotent(expireTime = 3, info = "正在处理中，请勿重复操作")
     @PreAuthorize("@pms.hasPermission('wallet_walletRuleTransaction_refund')")
     public R refund(@RequestParam Long id) {
         walletRuleTransactionService.refund(id);
diff --git a/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/service/impl/rule/WalletRuleTransactionServiceImpl.java b/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/service/impl/rule/WalletRuleTransactionServiceImpl.java
index f12c13945..703a3ddf0 100644
--- a/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/service/impl/rule/WalletRuleTransactionServiceImpl.java
+++ b/pjcloud-wallet/pjcloud-wallet-biz/src/main/java/com/bsd/pjcloud/wallet/service/impl/rule/WalletRuleTransactionServiceImpl.java
@@ -77,6 +77,10 @@ public class WalletRuleTransactionServiceImpl extends ServiceImpl<WalletRuleTran
                 throw new RuntimeException(WalletTypeEnum.EAT.getDesc() + "余额必须留40元用于公午餐");
             }
         }
+        // 是否已经超过最大限制
+        if (userConfig.getTotalTransferBalance() > userConfig.getMaxTransferBalance()) {
+            throw new RuntimeException("已经超过最大转账金额限制");
+        }
         entity.setSourceWalletId(userConfig.getSourceWalletId());
         entity.setTargetWalletId(userConfig.getTargetWalletId());
         entity.setSourceWalletBalance(userConfig.getSourceWalletBalance());