diff --git a/.gitignore b/.gitignore
index 19fd0c96..0acd1d6d 100644
--- a/.gitignore
+++ b/.gitignore
@@ -44,6 +44,7 @@
 !/tests/widget-system/message-center-pagination-harness.php
 !/tests/widget-system/asset-ledger-contract.test.cjs
 !/tests/widget-system/financial-flow-contract.test.cjs
+!/tests/widget-system/user-assets-layout-contract.test.cjs
 !/tests/widget-system/pay-orders-filter-contract.test.cjs
 !/tests/widget-system/front-submit-editor-contract.test.cjs
 !/tests/widget-system/front-submit-attachment-contract.test.cjs
diff --git a/assets/css/frontend/credits.css b/assets/css/frontend/credits.css
index 51a6a1d7..04f2b703 100644
--- a/assets/css/frontend/credits.css
+++ b/assets/css/frontend/credits.css
@@ -99,72 +99,6 @@
 	color: #ef4444;
 }
 
-/* ============ 余额卡片（profile 头部） ============ */
-.credits-card {
-	display: flex;
-	flex-wrap: wrap;
-	align-items: center;
-	justify-content: space-between;
-	gap: 16px;
-	padding: 20px 24px;
-	border-radius: var(--radius-lg);
-	background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-active) 100%);
-	color: var(--color-on-primary);
-	margin-bottom: 20px;
-}
-
-.credits-card__info {
-	display: flex;
-	flex-direction: column;
-	gap: 6px;
-}
-
-.credits-card__label {
-	font: 500 13px/1 var(--font-ui);
-	opacity: .85;
-}
-
-.credits-card__value {
-	font: 700 32px/1 var(--font-ui);
-	display: flex;
-	align-items: baseline;
-	gap: 6px;
-}
-
-.credits-card__unit {
-	font: 500 14px/1 var(--font-ui);
-	opacity: .85;
-}
-
-.credits-card__sign {
-	display: flex;
-	align-items: center;
-	gap: 12px;
-	flex-shrink: 0;
-}
-
-.credits-card__sign-status {
-	font: 500 13px/1.4 var(--font-ui);
-	opacity: .9;
-	max-width: 160px;
-	text-align: right;
-}
-
-.credits-card__sign .btn-primary {
-	background: rgba(255, 255, 255, .2);
-	border: 1px solid rgba(255, 255, 255, .3);
-	backdrop-filter: blur(4px);
-}
-
-.credits-card__sign .btn-primary:hover:not(:disabled) {
-	background: rgba(255, 255, 255, .35);
-}
-
-.credits-card__sign .btn-primary:disabled {
-	opacity: .5;
-	cursor: default;
-}
-
 /* ============ 签到 panel ============ */
 .aksrt-signin-status {
 	margin: 0 0 16px;
diff --git a/assets/css/routes/user-center/credits.css b/assets/css/routes/user-center/credits.css
index 8c37dada..4300d002 100644
--- a/assets/css/routes/user-center/credits.css
+++ b/assets/css/routes/user-center/credits.css
@@ -2,9 +2,6 @@
  * User Center — assets (wallet + points) legacy parity
  */
 
-.uc-balance-card {
-  box-shadow: none;
-}
 
 /* The asset cards and the records card are sibling surfaces, not one nested card. */
 .uc-content #panel-credits.dashboard-panel {
@@ -27,7 +24,25 @@
   box-shadow: none;
 }
 .uc-assets-row--dual {
-  grid-template-columns: 1fr 1fr;
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+  grid-template-rows: auto auto;
+}
+.uc-assets-row--dual > .uc-assets-col {
+  display: contents;
+}
+.uc-assets-row--dual > .uc-assets-col:first-child > .uc-asset-card,
+.uc-assets-row--dual > .uc-assets-col:first-child > .uc-card-pass {
+  grid-column: 1;
+}
+.uc-assets-row--dual > .uc-assets-col:last-child > .uc-asset-card,
+.uc-assets-row--dual > .uc-assets-col:last-child > .uc-card-pass {
+  grid-column: 2;
+}
+.uc-assets-row--dual > .uc-assets-col > .uc-asset-card {
+  grid-row: 1;
+}
+.uc-assets-row--dual > .uc-assets-col > .uc-card-pass {
+  grid-row: 2;
 }
 .uc-assets-col {
   min-width: 0;
@@ -38,6 +53,17 @@
 @media (max-width: 767px) {
   .uc-assets-row--dual {
     grid-template-columns: 1fr;
+    grid-template-rows: none;
+  }
+  .uc-assets-row--dual > .uc-assets-col {
+    display: flex;
+    grid-column: auto;
+    grid-row: auto;
+  }
+  .uc-assets-row--dual > .uc-assets-col > .uc-asset-card,
+  .uc-assets-row--dual > .uc-assets-col > .uc-card-pass {
+    grid-column: auto;
+    grid-row: auto;
   }
 }
 
@@ -50,12 +76,6 @@
   padding: 16px 20px;
   margin-bottom: 0;
 }
-.uc-assets-row .uc-asset-card.aksrt-panel {
-  /* defensive if class reintroduced */
-  margin-bottom: 0;
-  clear: none;
-}
-
 /* Card-pass under a col must not look like a second stacked card */
 .uc-assets-col > .uc-card-pass {
   margin: 0;
@@ -310,26 +330,21 @@ body.uc-modal-open {
 }
 
 /* Asset records sit in their own card below the wallet and points cards. */
-.uc-asset-tabs,
-.uc-asset-tabs.aksrt-panel {
+.uc-asset-tabs {
   margin: 0;
   padding: 20px;
   background: var(--surface-1, #fff);
-  border: 1px solid var(--color-line-soft, rgba(0, 0, 0, 0.06));
+  border: 1px solid var(--color-line-soft, rgba(0,0,0,0.06));
   border-radius: var(--main-radius, var(--radius, 8px));
   box-shadow: 0 1px 4px rgba(15, 23, 42, 0.04);
 }
 
 @media (max-width: 480px) {
-  .uc-asset-tabs,
-  .uc-asset-tabs.aksrt-panel {
+  .uc-asset-tabs {
     padding: 14px;
   }
 }
 
-.uc-asset-tabs.aksrt-panel {
-  margin-bottom: 0;
-}
 .uc-asset-tabs__nav {
   display: flex;
   gap: 18px;
@@ -391,131 +406,6 @@ body.uc-modal-open {
   vertical-align: middle;
 }
 
-/* ==================== 账户余额面板 ==================== */
-
-/* 余额卡片 */
-.uc-balance-card {
-  position: relative;
-  border-radius: var(--radius);
-  overflow: hidden;
-  margin-bottom: 20px;
-  box-shadow: 0 4px 20px rgba(var(--color-primary-rgb, 59, 130, 246), 0.2);
-}
-
-.uc-balance-card__bg {
-  position: absolute;
-  inset: 0;
-  background: linear-gradient(135deg, var(--color-primary) 0%, #4facfe 50%, #00f2fe 100%);
-  z-index: 0;
-}
-
-.uc-balance-card__bg::after {
-  content: '';
-  position: absolute;
-  top: -50%;
-  right: -30%;
-  width: 200px;
-  height: 200px;
-  border-radius: 50%;
-  background: rgba(255,255,255,0.08);
-}
-
-.uc-balance-card__bg::before {
-  content: '';
-  position: absolute;
-  bottom: -60%;
-  left: -20%;
-  width: 160px;
-  height: 160px;
-  border-radius: 50%;
-  background: rgba(255,255,255,0.05);
-}
-
-.uc-balance-card__content {
-  position: relative;
-  z-index: 1;
-  padding: 24px;
-  color: #fff;
-}
-
-.uc-balance-card__header {
-  display: flex;
-  align-items: center;
-  justify-content: space-between;
-  margin-bottom: 8px;
-}
-
-.uc-balance-card__label {
-  font-size: 14px;
-  font-weight: 500;
-  opacity: 0.9;
-}
-
-.uc-balance-card__currency {
-  font-size: 12px;
-  padding: 3px 10px;
-  background: rgba(255,255,255,0.15);
-  border-radius: 100px;
-  backdrop-filter: blur(4px);
-}
-
-.uc-balance-card__amount {
-  margin-bottom: 16px;
-}
-
-.uc-balance-card__value {
-  font-size: 2.5rem;
-  font-weight: 800;
-  line-height: 1.2;
-  letter-spacing: -0.02em;
-  font-variant-numeric: tabular-nums;
-}
-
-.uc-balance-card__actions {
-  display: flex;
-  align-items: center;
-  justify-content: space-between;
-  padding-top: 16px;
-  border-top: 1px solid rgba(255,255,255,0.15);
-}
-
-.uc-balance-card__sign-status {
-  font-size: 13px;
-  opacity: 0.85;
-}
-
-.uc-balance-card__sign-btn {
-  display: inline-flex;
-  align-items: center;
-  gap: 6px;
-  padding: 8px 20px;
-  border: none;
-  border-radius: 100px;
-  background: rgba(255,255,255,0.2);
-  color: #fff;
-  font-size: 14px;
-  font-weight: 600;
-  cursor: pointer;
-  transition: all 0.2s ease;
-  backdrop-filter: blur(4px);
-}
-
-.uc-balance-card__sign-btn:hover {
-  background: rgba(255,255,255,0.3);
-  transform: translateY(-1px);
-}
-
-.uc-balance-card__sign-btn:disabled {
-  background: rgba(255,255,255,0.1);
-  color: rgba(255,255,255,0.5);
-  cursor: not-allowed;
-  transform: none;
-}
-
-.uc-balance-card__sign-btn i {
-  font-size: 14px;
-}
-
 /* 积分流水 */
 .uc-transactions {
   background: var(--surface-1);
@@ -986,12 +876,6 @@ body.uc-modal-open {
   padding-top: 8px;
   border-top: 1px dashed var(--muted-border-color, rgba(0,0,0,.08));
 }
-.uc-asset-card__foot button {
-  background: none;
-  border: 0;
-  padding: 0;
-  cursor: pointer;
-}
 .uc-asset-card__head-action {
   background: none;
   border: 0;
diff --git a/assets/css/routes/user-center/responsive.css b/assets/css/routes/user-center/responsive.css
index c3c7f562..e1add844 100644
--- a/assets/css/routes/user-center/responsive.css
+++ b/assets/css/routes/user-center/responsive.css
@@ -154,12 +154,6 @@
   .uc-content .dashboard-panel {
     padding: 16px;
   }
-
-  .uc-content .credits-card {
-    flex-direction: column;
-    text-align: center;
-    gap: 12px;
-  }
 }
 
 /* ==================== 焦点状态（无障碍）==================== */
@@ -242,25 +236,6 @@
     padding: 14px;
   }
 
-  .uc-balance-card__content {
-    padding: 18px;
-  }
-
-  .uc-balance-card__value {
-    font-size: 2rem;
-  }
-
-  .uc-balance-card__actions {
-    flex-direction: column;
-    gap: 10px;
-    align-items: flex-start;
-  }
-
-  .uc-balance-card__sign-btn {
-    width: 100%;
-    justify-content: center;
-  }
-
   .uc-transactions__item {
     padding: 12px 14px;
   }
@@ -271,13 +246,6 @@
     font-size: 12px;
   }
 
-  .uc-content .credits-card {
-    padding: 16px;
-  }
-
-  .uc-content .credits-card__value {
-    font-size: 1.5rem;
-  }
 }
 
 @media (max-width: 640px) {
diff --git a/tests/widget-system/user-assets-layout-contract.test.cjs b/tests/widget-system/user-assets-layout-contract.test.cjs
new file mode 100644
index 00000000..f240b70d
--- /dev/null
+++ b/tests/widget-system/user-assets-layout-contract.test.cjs
@@ -0,0 +1,51 @@
+const test = require('node:test')
+const assert = require('node:assert/strict')
+const fs = require('node:fs')
+const path = require('node:path')
+
+const root = path.resolve(__dirname, '..', '..')
+
+function read(relative) {
+  return fs.readFileSync(path.join(root, relative), 'utf8')
+}
+
+test('dual asset cards use an independent equal-height grid row', () => {
+  const css = read('assets/css/routes/user-center/credits.css')
+  const profile = read('inc/helpers/user-center-renderers/profile-credits.php')
+
+  assert.match(css, /\.uc-assets-row--dual\s*\{[\s\S]*?grid-template-columns:\s*repeat\(2,\s*minmax\(0,\s*1fr\)\);[\s\S]*?grid-template-rows:\s*auto auto;/)
+  assert.match(css, /\.uc-assets-row--dual\s*>\s*\.uc-assets-col\s*\{[\s\S]*?display:\s*contents;/)
+  assert.match(css, /\.uc-assets-row--dual\s*>\s*\.uc-assets-col:first-child\s*>\s*\.uc-asset-card[\s\S]*?grid-column:\s*1;/)
+  assert.match(css, /\.uc-assets-row--dual\s*>\s*\.uc-assets-col:last-child\s*>\s*\.uc-asset-card[\s\S]*?grid-column:\s*2;/)
+  assert.match(css, /\.uc-assets-row--dual\s*>\s*\.uc-assets-col\s*>\s*\.uc-asset-card\s*\{[\s\S]*?grid-row:\s*1;/)
+  assert.match(css, /\.uc-assets-row--dual\s*>\s*\.uc-assets-col\s*>\s*\.uc-card-pass\s*\{[\s\S]*?grid-row:\s*2;/)
+  assert.match(profile, /<div class="uc-assets-col">[\s\S]*?credits-wallet\.php[\s\S]*?<\/div>/)
+  assert.match(profile, /<div class="uc-assets-col">[\s\S]*?credits-balance\.php[\s\S]*?<\/div>/)
+})
+
+test('dual asset layout returns to a single-column flex flow on mobile', () => {
+  const css = read('assets/css/routes/user-center/credits.css')
+  const mobile = css.match(/@media \(max-width: 767px\) \{([\s\S]*?)\n\}/)
+
+  assert.ok(mobile, 'credits CSS must define a mobile breakpoint')
+  assert.match(mobile[1], /grid-template-columns:\s*1fr;/)
+  assert.match(mobile[1], /grid-template-rows:\s*none;/)
+  assert.match(mobile[1], /\.uc-assets-row--dual\s*>\s*\.uc-assets-col\s*\{[\s\S]*?display:\s*flex;/)
+  assert.match(mobile[1], /grid-column:\s*auto;/)
+  assert.match(mobile[1], /grid-row:\s*auto;/)
+})
+
+test('removed asset card selectors do not return in loaded user-center styles', () => {
+  const cssFiles = [
+    'assets/css/routes/user-center/credits.css',
+    'assets/css/routes/user-center/responsive.css',
+    'assets/css/frontend/credits.css',
+  ]
+  const source = cssFiles.map(read).join('\n')
+
+  assert.doesNotMatch(source, /\.uc-balance-card(?:[\s:{]|__)/)
+  assert.doesNotMatch(source, /\.credits-card(?:[\s:{]|__)/)
+  assert.doesNotMatch(source, /\.uc-assets-row\.uc-asset-card\.aksrt-panel/)
+  assert.doesNotMatch(source, /\.uc-asset-tabs\.aksrt-panel/)
+  assert.doesNotMatch(source, /\.uc-asset-card__foot\s+button/)
+})