diff --git a/src/main/java/com/tailbet/mapper/UserMapper.java b/src/main/java/com/tailbet/mapper/UserMapper.java
index 4470730..8af97e4 100644
--- a/src/main/java/com/tailbet/mapper/UserMapper.java
+++ b/src/main/java/com/tailbet/mapper/UserMapper.java
@@ -3,10 +3,24 @@ package com.tailbet.mapper;
 import com.tailbet.model.entity.User;
 import com.baomidou.mybatisplus.core.mapper.BaseMapper;
 import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+import org.apache.ibatis.annotations.Update;
 
 /**
  * 用户Mapper
  */
 @Mapper
 public interface UserMapper extends BaseMapper<User> {
+
+    /**
+     * 原子增加积分
+     */
+    @Update("UPDATE user SET points = points + #{amount} WHERE id = #{id}")
+    int addPoints(@Param("id") Long id, @Param("amount") Long amount);
+
+    /**
+     * 原子扣除积分（积分不足时返回0）
+     */
+    @Update("UPDATE user SET points = points - #{amount} WHERE id = #{id} AND points >= #{amount}")
+    int subPoints(@Param("id") Long id, @Param("amount") Long amount);
 }
diff --git a/src/main/java/com/tailbet/service/impl/PointsServiceImpl.java b/src/main/java/com/tailbet/service/impl/PointsServiceImpl.java
index e94d517..a7d1bb9 100644
--- a/src/main/java/com/tailbet/service/impl/PointsServiceImpl.java
+++ b/src/main/java/com/tailbet/service/impl/PointsServiceImpl.java
@@ -35,10 +35,14 @@ public class PointsServiceImpl implements IPointsService {
         }
 
         Long before = user.getPoints();
-        Long after = before + amount;
 
-        user.setPoints(after);
-        userMapper.updateById(user);
+        // 原子增加积分
+        int rows = userMapper.addPoints(userId, amount);
+        if (rows == 0) {
+            throw new RuntimeException("积分增加失败");
+        }
+
+        Long after = before + amount;
 
         // 记录流水
         PointsFlow flow = new PointsFlow();
@@ -68,10 +72,14 @@ public class PointsServiceImpl implements IPointsService {
         }
 
         Long before = user.getPoints();
-        Long after = before - amount;
 
-        user.setPoints(after);
-        userMapper.updateById(user);
+        // 原子扣除积分（SQL层保证余额充足才扣）
+        int rows = userMapper.subPoints(userId, amount);
+        if (rows == 0) {
+            return false;
+        }
+
+        Long after = before - amount;
 
         // 记录流水
         PointsFlow flow = new PointsFlow();