diff --git a/src/pages-aigc/recharge/components/RechargeFooter/index.vue b/src/pages-aigc/recharge/components/RechargeFooter/index.vue
index dba7b58..436e73b 100644
--- a/src/pages-aigc/recharge/components/RechargeFooter/index.vue
+++ b/src/pages-aigc/recharge/components/RechargeFooter/index.vue
@@ -1,21 +1,31 @@
 <template>
   <view class="recharge-footer">
-    <text class="recharge-gain">
-      支付金额 <text class="recharge-gain-value">¥{{ formattedPrice }}</text>
-    </text>
+    <view class="recharge-agreement" :class="{ 'is-disabled': !agreementReady }">
+      <CheckBox :model-value="agreed" @update:model-value="handleAgreementChange">
+        <text class="recharge-agreement-text">我已阅读并同意</text>
+        <text class="recharge-agreement-link" @tap.stop="handleViewAgreement">《积分充值协议》</text>
+      </CheckBox>
+    </view>
 
-    <view
-      class="recharge-pay-button"
-      :class="{ 'is-disabled': loading || price <= 0 }"
-      @tap="emit('pay')"
-    >
-      {{ loading ? "支付中..." : "立即支付" }}
+    <view class="recharge-payment-row">
+      <text class="recharge-gain">
+        支付金额 <text class="recharge-gain-value">¥{{ formattedPrice }}</text>
+      </text>
+
+      <view
+        class="recharge-pay-button"
+        :class="{ 'is-disabled': payDisabled }"
+        @tap="handlePay"
+      >
+        {{ loading ? "支付中..." : "立即支付" }}
+      </view>
     </view>
   </view>
 </template>
 
 <script setup>
 import { computed } from "vue";
+import CheckBox from "@/components/CheckBox/index.vue";
 
 const props = defineProps({
   price: {
@@ -26,11 +36,40 @@ const props = defineProps({
     type: Boolean,
     default: false,
   },
+  agreed: {
+    type: Boolean,
+    default: false,
+  },
+  agreementReady: {
+    type: Boolean,
+    default: false,
+  },
 });
 
-const emit = defineEmits(["pay"]);
+const emit = defineEmits(["pay", "update:agreed", "view-agreement"]);
 
 const formattedPrice = computed(() => Number(props.price).toLocaleString("zh-CN"));
+const payDisabled = computed(() => {
+  return props.loading || props.price <= 0 || !props.agreed || !props.agreementReady;
+});
+
+const handleAgreementChange = (value) => {
+  if (!props.agreementReady) {
+    emit("view-agreement");
+    return;
+  }
+
+  emit("update:agreed", value);
+};
+
+const handleViewAgreement = () => {
+  emit("view-agreement");
+};
+
+const handlePay = () => {
+  if (props.loading || props.price <= 0) return;
+  emit("pay");
+};
 </script>
 
 <style scoped lang="scss">
diff --git a/src/pages-aigc/recharge/components/RechargeFooter/styles/index.scss b/src/pages-aigc/recharge/components/RechargeFooter/styles/index.scss
index ea65417..d1228c9 100644
--- a/src/pages-aigc/recharge/components/RechargeFooter/styles/index.scss
+++ b/src/pages-aigc/recharge/components/RechargeFooter/styles/index.scss
@@ -1,10 +1,9 @@
 .recharge-footer {
   position: sticky;
   bottom: 12px;
-  display: grid;
-  grid-template-columns: 1fr 142px;
-  align-items: center;
-  gap: 10px;
+  display: flex;
+  flex-direction: column;
+  gap: 12px;
   margin-top: 16px;
   padding: 12px;
   border-radius: 20px;
@@ -13,6 +12,38 @@
   box-sizing: border-box;
 }
 
+.recharge-agreement {
+  display: flex;
+  align-items: center;
+  box-sizing: border-box;
+}
+
+.recharge-agreement.is-disabled {
+  opacity: 0.56;
+}
+
+.recharge-agreement-text,
+.recharge-agreement-link {
+  font-size: 14px;
+  line-height: 24px;
+}
+
+.recharge-agreement-text {
+  color: #667386;
+}
+
+.recharge-agreement-link {
+  color: $theme-color-600;
+  font-weight: 700;
+}
+
+.recharge-payment-row {
+  display: grid;
+  grid-template-columns: minmax(0, 1fr) 142px;
+  align-items: center;
+  gap: 10px;
+}
+
 .recharge-gain {
   min-width: 0;
   overflow: hidden;
diff --git a/src/pages-aigc/recharge/recharge.vue b/src/pages-aigc/recharge/recharge.vue
index 4b256a4..f585a0b 100644
--- a/src/pages-aigc/recharge/recharge.vue
+++ b/src/pages-aigc/recharge/recharge.vue
@@ -32,9 +32,20 @@
       <RechargeFooter
         :price="payPrice"
         :loading="paying"
+        :agreed="agreementAccepted"
+        :agreement-ready="agreementReady"
+        @update:agreed="agreementAccepted = $event"
+        @view-agreement="handleViewAgreement"
         @pay="handlePay"
       />
     </view>
+
+    <AgreePopup
+      :visible="agreementVisible"
+      title="积分充值协议"
+      :agreement="agreementContent"
+      @close="agreementVisible = false"
+    />
   </view>
 </template>
 
@@ -43,7 +54,12 @@ import { computed, ref } from "vue";
 import { onLoad, onShow } from "@dcloudio/uni-app";
 import TopNavBar from "@/components/TopNavBar/index.vue";
 import { useCurrentCredit } from "@/pages-aigc/hooks/useCurrentCredit.js";
-import { getRechargeOptions, rechargeCredit } from "@/request/api/AigcApi.js";
+import {
+  getPointsTopUpAgreement,
+  getRechargeOptions,
+  rechargeCredit,
+} from "@/request/api/AigcApi.js";
+import AgreePopup from "@/pages/login/components/AgreePopup/index.vue";
 import BalanceCard from "./components/BalanceCard/index.vue";
 import CustomAmountCard from "./components/CustomAmountCard/index.vue";
 import RechargeFooter from "./components/RechargeFooter/index.vue";
@@ -55,6 +71,12 @@ const selectedRechargeOption = ref(null);
 const customAmount = ref("");
 const rechargeMode = ref("package");
 const paying = ref(false);
+const agreementAccepted = ref(false);
+const agreementContent = ref("");
+const agreementLoading = ref(false);
+const agreementVisible = ref(false);
+
+const agreementReady = computed(() => Boolean(agreementContent.value.trim()));
 
 const getRechargeOptionKey = (option) => {
   if (!option) return "";
@@ -97,8 +119,41 @@ const fetchRechargeOptions = async () => {
   }
 };
 
+const fetchPointsTopUpAgreement = async (showError = false) => {
+  if (agreementLoading.value) return false;
+
+  agreementLoading.value = true;
+  try {
+    const res = await getPointsTopUpAgreement();
+    const content = typeof res?.data === "string" ? res.data.trim() : "";
+    if (res?.code === 0 && content) {
+      agreementContent.value = content;
+      return true;
+    }
+
+    agreementContent.value = "";
+    agreementAccepted.value = false;
+    if (showError) {
+      showToast(res?.msg || "协议加载失败，请重试");
+    }
+  } catch (error) {
+    console.error("获取积分充值协议失败", error);
+    agreementContent.value = "";
+    agreementAccepted.value = false;
+    if (showError) {
+      showToast("协议加载失败，请重试");
+    }
+  } finally {
+    agreementLoading.value = false;
+  }
+
+  return false;
+};
+
 onLoad(() => {
+  agreementAccepted.value = false;
   fetchRechargeOptions();
+  fetchPointsTopUpAgreement();
 });
 
 onShow(() => {
@@ -129,6 +184,23 @@ const handleSelectCustomAmount = () => {
   selectedRechargeOption.value = null;
 };
 
+const handleViewAgreement = async () => {
+  if (agreementReady.value) {
+    agreementVisible.value = true;
+    return;
+  }
+
+  if (agreementLoading.value) {
+    showToast("协议加载中，请稍候");
+    return;
+  }
+
+  const loaded = await fetchPointsTopUpAgreement(true);
+  if (loaded) {
+    agreementVisible.value = true;
+  }
+};
+
 const requestWechatPay = (payData) => {
   const { nonceStr, packageVal, paySign, signType, timeStamp } = payData || {};
 
@@ -174,6 +246,21 @@ const handlePay = async () => {
     return;
   }
 
+  if (agreementLoading.value) {
+    showToast("协议加载中，请稍候");
+    return;
+  }
+
+  if (!agreementReady.value) {
+    showToast("协议加载失败，请重试");
+    return;
+  }
+
+  if (!agreementAccepted.value) {
+    showToast("请先阅读并同意积分充值协议");
+    return;
+  }
+
   paying.value = true;
   uni.showLoading({ title: "正在发起支付..." });
 
diff --git a/src/request/api/AigcApi.js b/src/request/api/AigcApi.js
index ee4c224..8542d7a 100644
--- a/src/request/api/AigcApi.js
+++ b/src/request/api/AigcApi.js
@@ -36,6 +36,10 @@ function getCreditLedgerPage(args) {
   return request.post("/hotelBiz/credit/ledger/page", args);
 }
 
+function getPointsTopUpAgreement() {
+  return request.get("/hotelBiz/mainScene/pointsTopUpAgreement", {});
+}
+
 function createAigcGeneratorTaskShare(args) {
   return request.post("/hotelBiz/aigcGeneratorTask/share/create", args);
 }
@@ -54,6 +58,7 @@ export {
   getRechargeOptions,
   rechargeCredit,
   getCreditLedgerPage,
+  getPointsTopUpAgreement,
   createAigcGeneratorTaskShare,
   getAigcGeneratorTaskShareDetail,
 };