diff --git a/finance/src/test/java/com/baiyue/finance/FinanceWalletBehaviorTest.java b/finance/src/test/java/com/baiyue/finance/FinanceWalletBehaviorTest.java
index e9ea2908e..456f67ed5 100644
--- a/finance/src/test/java/com/baiyue/finance/FinanceWalletBehaviorTest.java
+++ b/finance/src/test/java/com/baiyue/finance/FinanceWalletBehaviorTest.java
@@ -116,6 +116,81 @@ class FinanceWalletBehaviorTest {
         assertThat(recharged.availableBalance()).isEqualByComparingTo("55.00");
     }
 
+    @Test
+    void deductionNeverConsumesCashReservedByAnActiveHold() {
+        FinanceWalletService service = service(mock(JdbcTemplate.class), "x", "y");
+        WalletAccount initial = service.accountState(new BigDecimal("100.00"), new BigDecimal("50.00"),
+            new BigDecimal("80.00"), BigDecimal.ZERO, new BigDecimal("20.00"), 4);
+
+        WalletAccount deducted = service.deductAccount(initial, new BigDecimal("80.00"));
+
+        assertThat(deducted.actualBalance()).isEqualByComparingTo("30.00");
+        assertThat(deducted.creditUsed()).isEqualByComparingTo("10.00");
+        assertThat(deducted.frozenBalance()).isEqualByComparingTo("50.00");
+        assertThat(deducted.creditFrozen()).isEqualByComparingTo("20.00");
+        assertThat(deducted.availableCredit()).isEqualByComparingTo("50.00");
+        assertThat(deducted.availableBalance()).isEqualByComparingTo("50.00");
+    }
+
+    @Test
+    void rechargeRepaysUsedCreditWithoutReleasingFrozenCredit() {
+        FinanceWalletService service = service(mock(JdbcTemplate.class), "x", "y");
+        WalletAccount initial = service.accountState(new BigDecimal("30.00"), new BigDecimal("25.00"),
+            new BigDecimal("100.00"), new BigDecimal("40.00"), new BigDecimal("20.00"), 5);
+
+        WalletAccount recharged = service.rechargeAccount(initial, new BigDecimal("50.00"));
+
+        assertThat(recharged.actualBalance()).isEqualByComparingTo("40.00");
+        assertThat(recharged.creditUsed()).isEqualByComparingTo("0.00");
+        assertThat(recharged.creditFrozen()).isEqualByComparingTo("20.00");
+        assertThat(recharged.frozenBalance()).isEqualByComparingTo("25.00");
+        assertThat(recharged.availableCredit()).isEqualByComparingTo("80.00");
+        assertThat(recharged.availableBalance()).isEqualByComparingTo("115.00");
+    }
+
+    @Test
+    void accountStateRejectsCreditUsedAndFrozenAboveTheLimit() {
+        FinanceWalletService service = service(mock(JdbcTemplate.class), "x", "y");
+
+        assertThatThrownBy(() -> service.accountState(new BigDecimal("10.00"), new BigDecimal("25.00"),
+            new BigDecimal("50.00"), new BigDecimal("31.00"), new BigDecimal("20.00"), 1))
+            .isInstanceOf(FinanceEventException.class)
+            .extracting(error -> ((FinanceEventException) error).code()).isEqualTo("FIN-WALLET-409");
+    }
+
+    @Test
+    void accountStateRejectsFrozenCashAboveActualCash() {
+        FinanceWalletService service = service(mock(JdbcTemplate.class), "x", "y");
+
+        assertThatThrownBy(() -> service.accountState(new BigDecimal("9.99"), new BigDecimal("10.00"),
+            new BigDecimal("20.00"), BigDecimal.ZERO, BigDecimal.ZERO, 1))
+            .isInstanceOf(FinanceEventException.class)
+            .extracting(error -> ((FinanceEventException) error).code()).isEqualTo("FIN-WALLET-409");
+    }
+
+    @Test
+    void accountStateRejectsCreditFrozenAboveTotalFrozenAmount() {
+        FinanceWalletService service = service(mock(JdbcTemplate.class), "x", "y");
+
+        assertThatThrownBy(() -> service.accountState(new BigDecimal("100.00"), new BigDecimal("10.00"),
+            new BigDecimal("50.00"), BigDecimal.ZERO, new BigDecimal("10.01"), 1))
+            .isInstanceOf(FinanceEventException.class)
+            .extracting(error -> ((FinanceEventException) error).code()).isEqualTo("FIN-WALLET-409");
+    }
+
+    @Test
+    void invalidDefaultCreditConfigurationFailsClosed() {
+        assertThatThrownBy(() -> service(mock(JdbcTemplate.class), "x", "y", new BigDecimal("-0.01")))
+            .isInstanceOf(FinanceEventException.class)
+            .extracting(error -> ((FinanceEventException) error).code()).isEqualTo("FIN-REQ-400");
+        assertThatThrownBy(() -> service(mock(JdbcTemplate.class), "x", "y", new BigDecimal("1.001")))
+            .isInstanceOf(FinanceEventException.class)
+            .extracting(error -> ((FinanceEventException) error).code()).isEqualTo("FIN-REQ-400");
+        assertThatThrownBy(() -> service(mock(JdbcTemplate.class), "x", "y", new BigDecimal("1000000000000.00")))
+            .isInstanceOf(FinanceEventException.class)
+            .extracting(error -> ((FinanceEventException) error).code()).isEqualTo("FIN-REQ-400");
+    }
+
     private static FinanceWalletService service(JdbcTemplate jdbc, String wechat, String alipay) {
         return service(jdbc, wechat, alipay, BigDecimal.ZERO);
     }