diff --git a/assets/css/frontend/vip-modal.css b/assets/css/frontend/vip-modal.css
index a90c5480..851a6f6e 100644
--- a/assets/css/frontend/vip-modal.css
+++ b/assets/css/frontend/vip-modal.css
@@ -64,6 +64,27 @@
   z-index: 100055;
 }
 
+/* public.css redeclares .muted-box after legacy utilities, overriding its
+   background, radius, and padding utilities. Restore the reference box contract. */
+.modal[data-aksrt-vip-points-modal] .muted-box.padding-h10 {
+  background-color: var(--this-bg, var(--muted-border-color));
+  border-radius: var(--main-radius);
+  padding: 10px 15px;
+}
+
+.modal[data-aksrt-vip-points-modal] .muted-box.padding-10,
+.modal[data-aksrt-vip-points-modal] .aksrt-vip-points-desc {
+  background-color: var(--this-bg, var(--muted-border-color));
+  border-radius: var(--main-radius);
+  padding: 10px;
+}
+
+.modal[data-aksrt-vip-points-modal] .aksrt-vip-points-desc {
+  display: block;
+  margin-top: 20px;
+  color: var(--muted-2-color, #999);
+}
+
 .pay-vip-form-row {
   display: grid;
   gap: 12px;
diff --git a/src/Content/VipServiceModal.php b/src/Content/VipServiceModal.php
index a41646ba..8928a9fc 100644
--- a/src/Content/VipServiceModal.php
+++ b/src/Content/VipServiceModal.php
@@ -239,11 +239,11 @@ trait VipServiceModal {
             return '';
         }
 
-        $desc_text = trim((string) ($points_ex['desc'] ?? ''));
+        $desc_text = trim((string) ($vip['points_exchange']['desc'] ?? ''));
         $desc = $desc_text !== ''
             // 管理员编辑的富文本说明：保存端已 wp_kses_post，这里同级别输出
             // （参考主题 zibpay_get_vip_points_exchange_modal 原样拼接）。
-            ? '<div class="muted-box muted-2-color padding-10 em09 mt20">' . wp_kses_post($desc_text) . '</div>'
+            ? '<div class="muted-box muted-2-color padding-10 em09 mt20 aksrt-vip-points-desc">' . wp_kses_post($desc_text) . '</div>'
             : '';
 
         // 最低价套餐仍超出用户积分 → 参考主题的 badg c-red btn-block 提示。
diff --git a/tests/widget-system/vip-modal-copy-fields.test.cjs b/tests/widget-system/vip-modal-copy-fields.test.cjs
index d724d5d7..55b23935 100644
--- a/tests/widget-system/vip-modal-copy-fields.test.cjs
+++ b/tests/widget-system/vip-modal-copy-fields.test.cjs
@@ -224,7 +224,8 @@ test('积分兑换说明按 post 级 HTML 放行并原样渲染', () => {
   assert.match(schemaPhp, /'key' => 'pay_vip_points_exchange_desc', 'label' => '兑换说明', 'type' => 'textarea', 'sanitize_type' => 'html'/);
   const vipSettings = slice(paymentRuntime, 'public static function get_payment_vip_settings', 'public static function get_payment_revenue_settings');
   assert.match(vipSettings, /'desc'\s+=> wp_kses_post\(\(string\) \(\$settings\['pay_vip_points_exchange_desc'\]/);
-  // 弹窗渲染端不再 esc_html 剥标签。
-  assert.match(modalSource, /<div class="muted-box muted-2-color padding-10 em09 mt20">' \. wp_kses_post\(\$desc_text\)/);
+  // 弹窗从同一份 VIP 设置上下文读取说明，不经 catalog 投影遗漏；说明容器保留参考主题的 HTML 与定位类。
+  assert.match(modalSource, /\$desc_text = trim\(\(string\) \(\$vip\['points_exchange'\]\['desc'\] \?\? ''\)\);/);
+  assert.match(modalSource, /<div class="muted-box muted-2-color padding-10 em09 mt20 aksrt-vip-points-desc">' \. wp_kses_post\(\$desc_text\)/);
   assert.doesNotMatch(modalSource, /esc_html\(\$desc_text\)/);
 });
diff --git a/tests/widget-system/vip-points-exchange-description-harness.php b/tests/widget-system/vip-points-exchange-description-harness.php
new file mode 100644
index 00000000..bea527a7
--- /dev/null
+++ b/tests/widget-system/vip-points-exchange-description-harness.php
@@ -0,0 +1,61 @@
+<?php
+
+declare(strict_types=1);
+
+namespace {
+    define('ABSPATH', __DIR__ . '/');
+
+    function __(string $text, string $domain = ''): string { return $text; }
+    function esc_html($value): string { return (string) $value; }
+    function esc_html__($value, string $domain = ''): string { return (string) $value; }
+    function esc_attr($value): string { return (string) $value; }
+    function esc_attr__($value, string $domain = ''): string { return (string) $value; }
+    function esc_url($value): string { return (string) $value; }
+    function wp_kses_post($value): string { return (string) $value; }
+    function aksrt_get_user_center_tab_url(string $tab): string { return '/user/' . $tab; }
+}
+
+namespace AKSRT\Settings {
+    final class Settings {
+        public static function credits_enabled(): bool { return true; }
+    }
+}
+
+namespace {
+    require dirname(__DIR__, 2) . '/src/Content/VipServiceModal.php';
+
+    final class VipPointsDescriptionProbe {
+        use \AKSRT\Content\VipServiceModal;
+
+        /** @return array<string,mixed> */
+        private function get_vip_settings_context(): array {
+            return [
+                'enabled' => true,
+                'levels' => [1 => ['enabled' => true, 'name' => 'VIP1']],
+                'points_exchange' => [
+                    'enabled' => true,
+                    'desc' => '<p>后台配置的兑换说明</p>',
+                ],
+            ];
+        }
+
+        /** @return array<string,mixed> */
+        public function get_catalog(int $user_id = 0): array {
+            return [
+                'points_exchange' => [
+                    'packages' => [[
+                        'package_id' => 6001,
+                        'level' => 1,
+                        'points' => 500,
+                        'time' => 30,
+                        'unit' => 'day',
+                    ]],
+                ],
+                'user_points' => 1000,
+                'currency_name' => '积分',
+            ];
+        }
+    }
+
+    echo (new VipPointsDescriptionProbe())->get_points_exchange_modal_html(1);
+}
diff --git a/tests/widget-system/vip-points-exchange-modal.test.cjs b/tests/widget-system/vip-points-exchange-modal.test.cjs
index 294a2125..ac67305a 100644
--- a/tests/widget-system/vip-points-exchange-modal.test.cjs
+++ b/tests/widget-system/vip-points-exchange-modal.test.cjs
@@ -22,6 +22,7 @@ const test = require('node:test');
 const assert = require('node:assert');
 const fs = require('node:fs');
 const path = require('node:path');
+const { execFileSync } = require('node:child_process');
 
 const root = path.join(__dirname, '..', '..');
 const read = (...seg) => fs.readFileSync(path.join(root, ...seg), 'utf8');
@@ -80,6 +81,28 @@ test('弹窗壳随 wp_footer 全局输出且不进入 catalog 载荷', () => {
   assert.doesNotMatch(modal, /'vip_url'/);
 });
 
+test('我的积分盒恢复参考主题 muted-box 的背景、圆角与内边距', () => {
+  assert.match(vipCss, /\.modal\[data-aksrt-vip-points-modal\]\s+\.muted-box\.padding-h10\s*\{\s*background-color:\s*var\(--this-bg,\s*var\(--muted-border-color\)\);\s*border-radius:\s*var\(--main-radius\);\s*padding:\s*10px 15px;\s*\}/);
+  assert.match(vipCss, /\.modal\[data-aksrt-vip-points-modal\]\s+\.muted-box\.padding-10,\s*\.modal\[data-aksrt-vip-points-modal\]\s+\.aksrt-vip-points-desc\s*\{\s*background-color:\s*var\(--this-bg,\s*var\(--muted-border-color\)\);\s*border-radius:\s*var\(--main-radius\);\s*padding:\s*10px;\s*\}/);
+});
+
+test('后台兑换说明直接从 VIP 设置读取并作为富文本置于套餐与提交动作之间', () => {
+  assert.match(modal, /\$desc_text = trim\(\(string\) \(\$vip\['points_exchange'\]\['desc'\] \?\? ''\)\);/);
+  assert.match(modal, /aksrt-vip-points-desc/);
+  assert.match(modal, /wp_kses_post\(\$desc_text\)/);
+  assert.match(modal, /\. \$header\s*\. '<form class="" data-aksrt-vip-points-form>' \. \$user_box \. \$lists \. \$desc \. \$form/);
+  assert.match(vipCss, /\.modal\[data-aksrt-vip-points-modal\]\s+\.aksrt-vip-points-desc\s*\{[^}]*display:\s*block;[^}]*margin-top:\s*20px;[^}]*color:\s*var\(--muted-2-color,\s*#999\);/s);
+  assert.match(vipCss, /\.modal\[data-aksrt-vip-points-modal\]\s+\.muted-box\.padding-10,\s*\.modal\[data-aksrt-vip-points-modal\]\s+\.aksrt-vip-points-desc\s*\{[^}]*padding:\s*10px;/s);
+});
+
+test('兑换说明从后台设置实际输出，保留 HTML 并显示在卡片与 CTA 之间', () => {
+  const rendered = execFileSync(process.env.PHP_BINARY || 'php', [
+    path.join(__dirname, 'vip-points-exchange-description-harness.php'),
+  ], { encoding: 'utf8' });
+  assert.match(rendered, /class="muted-box muted-2-color padding-10 em09 mt20 aksrt-vip-points-desc"><p>后台配置的兑换说明<\/p><\/div>/);
+  assert.ok(rendered.indexOf('aksrt-vip-points-desc') < rendered.indexOf('data-aksrt-vip-points-submit'));
+});
+
 test('弹窗壳静止态必须被 vip-modal.css 显式隐藏（.flex 覆盖回归护栏）', () => {
   assert.match(vipCss, /\.modal\[data-aksrt-vip-points-modal\]\s*\{\s*display:\s*none;/);
   assert.match(vipCss, /\.modal\[data-aksrt-vip-points-modal\]\.in\s*\{\s*display:\s*flex;/);
diff --git a/tests/widget-system/vip-settings-structured-contract.test.cjs b/tests/widget-system/vip-settings-structured-contract.test.cjs
index 5698cd44..82a5d399 100644
--- a/tests/widget-system/vip-settings-structured-contract.test.cjs
+++ b/tests/widget-system/vip-settings-structured-contract.test.cjs
@@ -371,6 +371,7 @@ test('运行时归一化：默认值、价格净化、零价与非法行剔除',
   assert.strictEqual(custom.upgrade.permanent_tag_class, 'jb-vip2');
   // 积分兑换：非法行（积分为 0 / 等级越界 / 时长为空）被剔除。
   assert.strictEqual(custom.points_exchange.packages.length, 3);
+  assert.strictEqual(custom.points_exchange.desc, '<p>积分兑换说明</p>');
   assert.strictEqual(custom.points_exchange.packages[0].days, 30);
   assert.strictEqual(custom.points_exchange.packages[1].is_permanent, true);
   assert.strictEqual(custom.points_exchange.packages[2].days, 90);
diff --git a/tests/widget-system/vip-settings-structured-harness.php b/tests/widget-system/vip-settings-structured-harness.php
index ada3658e..79442d64 100644
--- a/tests/widget-system/vip-settings-structured-harness.php
+++ b/tests/widget-system/vip-settings-structured-harness.php
@@ -155,6 +155,7 @@ namespace {
 		],
 		'vip_2_renew_product' => [],
 		'pay_vip_points_exchange_s' => true,
+		'pay_vip_points_exchange_desc' => '<p>积分兑换说明</p>',
 		'pay_vip_points_exchange_product' => [
 			['points' => 800, 'level' => 1, 'time' => 30, 'unit' => 'day'],
 			['points' => 9000, 'level' => 2, 'time' => 'Permanent'],