diff --git a/app/database.py b/app/database.py
index d01f52c..3591535 100644
--- a/app/database.py
+++ b/app/database.py
@@ -64,6 +64,10 @@ def _migrate_assets_db() -> None:
             cols = {c["name"] for c in insp.get_columns("providers")}
             if "last_synced_at" not in cols:
                 conn.execute(sa.text("ALTER TABLE providers ADD COLUMN last_synced_at DATETIME"))
+        if insp.has_table("ai_accounts"):
+            cols = {c["name"] for c in insp.get_columns("ai_accounts")}
+            if "api_key_encrypted" not in cols:
+                conn.execute(sa.text("ALTER TABLE ai_accounts ADD COLUMN api_key_encrypted VARCHAR"))
 
 
 def get_session() -> Generator[Session, None, None]:
diff --git a/app/models/asset.py b/app/models/asset.py
index 9d19639..a76b3e8 100644
--- a/app/models/asset.py
+++ b/app/models/asset.py
@@ -143,7 +143,10 @@ class AIAccount(SQLModel, table=True):
         index=True, description="服务商：openai/minimax/kimi/agnes/deepseek"
     )
     api_key: Optional[str] = Field(
-        default=None, description="API Key（后续版本将改为加密存储）"
+        default=None, description="（已弃用）明文 API Key，新数据用 api_key_encrypted"
+    )
+    api_key_encrypted: Optional[str] = Field(
+        default=None, description="加密的 API Key（Fernet）"
     )
     plan: Optional[str] = Field(default=None, description="订阅计划，如 ChatGPT Plus")
     balance: Optional[float] = Field(default=None, description="当前余额")
diff --git a/app/routers/assets.py b/app/routers/assets.py
index 9a503dc..84e4023 100644
--- a/app/routers/assets.py
+++ b/app/routers/assets.py
@@ -12,7 +12,7 @@ from app.core.security import require_api_key
 from app.database import get_session
 from app.models.asset import AssetStatus, AssetType
 from app.schemas.asset import AssetCreate, AssetRead, AssetUpdate
-from app.services import asset_service
+from app.services import asset_service, sync_service
 
 router = APIRouter(prefix="/api/assets", tags=["assets"])
 
@@ -68,3 +68,12 @@ def update_asset(
 )
 def delete_asset(asset_id: int, session: Session = Depends(get_session)):
     asset_service.delete_asset(session, asset_id)
+
+
+@router.post(
+    "/{asset_id}/refresh-balance",
+    summary="刷新 AI 账号余额（调用适配器查询）",
+    dependencies=[Depends(require_api_key)],
+)
+def refresh_balance(asset_id: int, session: Session = Depends(get_session)) -> dict:
+    return sync_service.refresh_ai_balance(session, asset_id)
diff --git a/app/schemas/asset.py b/app/schemas/asset.py
index 683f03f..d80aa11 100644
--- a/app/schemas/asset.py
+++ b/app/schemas/asset.py
@@ -141,10 +141,19 @@ class DomainDetailRead(DomainDetailIn):
     asset_id: int
 
 
-class AIAccountRead(AIAccountIn):
+class AIAccountRead(SQLModel):
+    """AI 账号输出（不暴露 API Key 明文，仅返回 has_api_key）"""
+
     id: int
     asset_id: int
+    provider: str
+    plan: Optional[str] = None
+    balance: Optional[float] = None
+    currency: str = "USD"
+    monthly_usage: Optional[float] = None
+    monthly_limit: Optional[float] = None
     last_synced_at: Optional[datetime] = None
+    has_api_key: bool = False
 
 
 class AssetRead(AssetBase):
diff --git a/app/services/asset_service.py b/app/services/asset_service.py
index 620c5b3..05466c7 100644
--- a/app/services/asset_service.py
+++ b/app/services/asset_service.py
@@ -68,7 +68,9 @@ def _detail_to_read(detail):
     if isinstance(detail, DomainDetail):
         return DomainDetailRead.model_validate(detail)
     if isinstance(detail, AIAccount):
-        return AIAccountRead.model_validate(detail)
+        read = AIAccountRead.model_validate(detail)
+        read.has_api_key = bool(detail.api_key_encrypted or detail.api_key)
+        return read
     return None
 
 
@@ -103,6 +105,10 @@ def _build_detail(asset_type: AssetType, asset_id: int, detail_in):
         data["ssh_key_encrypted"] = crypto.encrypt(detail_in.ssh_key)
         data["password_encrypted"] = crypto.encrypt(detail_in.password)
         return model(asset_id=asset_id, **data)
+    if asset_type == AssetType.AI_AGENT:
+        data = detail_in.model_dump(exclude={"api_key"})
+        data["api_key_encrypted"] = crypto.encrypt(detail_in.api_key)
+        return model(asset_id=asset_id, **data)
     return model(asset_id=asset_id, **detail_in.model_dump())
 
 
@@ -116,6 +122,12 @@ def _apply_detail_update(asset_type: AssetType, existing, detail_in) -> None:
             existing.ssh_key_encrypted = crypto.encrypt(detail_in.ssh_key)
         if detail_in.password is not None:
             existing.password_encrypted = crypto.encrypt(detail_in.password)
+    elif asset_type == AssetType.AI_AGENT:
+        data = detail_in.model_dump(exclude={"api_key"})
+        for key, value in data.items():
+            setattr(existing, key, value)
+        if detail_in.api_key is not None:
+            existing.api_key_encrypted = crypto.encrypt(detail_in.api_key)
     else:
         for key, value in detail_in.model_dump().items():
             setattr(existing, key, value)
diff --git a/app/services/sync_service.py b/app/services/sync_service.py
index 4e17f33..f32c49f 100644
--- a/app/services/sync_service.py
+++ b/app/services/sync_service.py
@@ -16,6 +16,7 @@ from app.adapters import registry
 from app.adapters.base import BaseAdapter
 from app.core import crypto
 from app.models.asset import (
+    AIAccount,
     Asset,
     AssetStatus,
     AssetType,
@@ -223,3 +224,74 @@ def sync_provider(session: Session, provider_id: int) -> dict:
     session.commit()
     result["last_synced_at"] = provider.last_synced_at.isoformat()
     return result
+
+
+# AI 服务商 slug -> sdk_type 映射（Provider 未配 sdk_type 时的回退推断）
+_AI_SDK_MAP = {
+    "openai": "openai-api",
+    "deepseek": "deepseek-api",
+    "kimi": "moonshot-api",
+    "moonshot": "moonshot-api",
+    "minimax": "minimax-api",
+}
+
+
+def refresh_ai_balance(session: Session, asset_id: int) -> dict:
+    """刷新 AI 账号余额：解密 api_key → 适配器 get_account → 更新余额"""
+    asset = session.get(Asset, asset_id)
+    if not asset or asset.asset_type != AssetType.AI_AGENT:
+        raise HTTPException(
+            status_code=status.HTTP_400_BAD_REQUEST, detail="非 AI 账号资产"
+        )
+    ai = session.exec(select(AIAccount).where(AIAccount.asset_id == asset_id)).first()
+    if not ai:
+        raise HTTPException(
+            status_code=status.HTTP_404_NOT_FOUND, detail="AI 账号详情不存在"
+        )
+
+    sdk_type = None
+    if asset.provider_id:
+        provider = session.get(Provider, asset.provider_id)
+        if provider:
+            sdk_type = provider.sdk_type
+    if not sdk_type:
+        sdk_type = _AI_SDK_MAP.get((ai.provider or "").lower())
+    if not sdk_type or not registry.is_supported(sdk_type):
+        raise HTTPException(
+            status_code=status.HTTP_400_BAD_REQUEST,
+            detail=f"无法确定 AI 适配器（{ai.provider}）",
+        )
+
+    api_key = crypto.decrypt(ai.api_key_encrypted) or ai.api_key
+    if not api_key:
+        raise HTTPException(
+            status_code=status.HTTP_400_BAD_REQUEST, detail="未配置 API Key"
+        )
+
+    adapter = registry.get_adapter(sdk_type, {"api_key": api_key})
+    try:
+        acc = adapter.get_account()
+    except NotImplementedError:
+        raise HTTPException(
+            status_code=status.HTTP_400_BAD_REQUEST,
+            detail=f"{sdk_type} 暂不支持余额查询",
+        )
+    except HTTPException:
+        raise
+    except Exception as e:  # noqa: BLE001
+        raise HTTPException(
+            status_code=status.HTTP_502_BAD_GATEWAY, detail=f"查询余额失败：{e}"
+        )
+
+    if acc.balance is not None:
+        ai.balance = acc.balance
+        ai.currency = acc.currency
+    ai.last_synced_at = datetime.utcnow()
+    session.add(ai)
+    session.commit()
+    session.refresh(ai)
+    return {
+        "balance": ai.balance,
+        "currency": ai.currency,
+        "last_synced_at": ai.last_synced_at.isoformat(),
+    }
diff --git a/static/js/app.js b/static/js/app.js
index 5e62fc9..9f31666 100644
--- a/static/js/app.js
+++ b/static/js/app.js
@@ -254,6 +254,7 @@ const AssetsView = {
             <td class="px-4 py-2.5"><span class="text-xs px-2 py-0.5 rounded-full" :class="Fmt.statusBadge(a.status)">{{ Fmt.STATUS_LABELS[a.status] }}</span></td>
             <td class="px-4 py-2.5 text-right whitespace-nowrap">
               <button v-if="a.asset_type==='vps'" @click="viewServer(a)" class="text-emerald-600 dark:text-emerald-400 hover:underline mr-3 text-xs">监控</button>
+              <button v-if="a.asset_type==='ai_agent'" @click="refreshBalance(a)" class="text-violet-600 dark:text-violet-400 hover:underline mr-3 text-xs">刷新余额</button>
               <button @click="edit(a)" class="text-blue-600 dark:text-blue-400 hover:underline mr-3 text-xs">编辑</button>
               <button @click="del(a)" class="text-red-600 dark:text-red-400 hover:underline text-xs">删除</button>
             </td>
@@ -280,6 +281,7 @@ const AssetsView = {
         </div>
         <div class="flex gap-4 mt-2 pt-2 border-t border-slate-100 dark:border-slate-800 text-xs">
           <button v-if="a.asset_type==='vps'" @click="viewServer(a)" class="text-emerald-600 dark:text-emerald-400">监控</button>
+          <button v-if="a.asset_type==='ai_agent'" @click="refreshBalance(a)" class="text-violet-600 dark:text-violet-400">刷新余额</button>
           <button @click="edit(a)" class="text-blue-600 dark:text-blue-400">编辑</button>
           <button @click="del(a)" class="text-red-600 dark:text-red-400">删除</button>
         </div>
@@ -287,7 +289,15 @@ const AssetsView = {
     </div>
   </div>`,
   setup() {
-    return { store, Fmt, reload: loadAssets, edit: openAssetEdit, del: deleteAsset, viewServer };
+    async function refreshBalance(a) {
+      if (!confirm('刷新「' + a.name + '」的余额？')) return;
+      try {
+        const r = await Api.post('/assets/' + a.id + '/refresh-balance', {});
+        alert('余额已更新：' + r.balance + ' ' + r.currency);
+        await loadAssets();
+      } catch (e) { alert('刷新失败：' + e.message); }
+    }
+    return { store, Fmt, reload: loadAssets, edit: openAssetEdit, del: deleteAsset, viewServer, refreshBalance };
   },
 };