diff --git a/src/main/java/com/rymcu/forest/dto/ArticleDTO.java b/src/main/java/com/rymcu/forest/dto/ArticleDTO.java
index 4b7e370..04b4293 100644
--- a/src/main/java/com/rymcu/forest/dto/ArticleDTO.java
+++ b/src/main/java/com/rymcu/forest/dto/ArticleDTO.java
@@ -70,4 +70,6 @@ public class ArticleDTO {
     private Integer articleThumbsUpCount;
     /** 赞赏总数 */
     private Integer articleSponsorCount;
+
+    private Boolean canSponsor;
 }
diff --git a/src/main/java/com/rymcu/forest/dto/TokenUser.java b/src/main/java/com/rymcu/forest/dto/TokenUser.java
index 37ace1f..f5569e1 100644
--- a/src/main/java/com/rymcu/forest/dto/TokenUser.java
+++ b/src/main/java/com/rymcu/forest/dto/TokenUser.java
@@ -26,4 +26,6 @@ public class TokenUser {
 
     private Set<String> scope;
 
+    private String bankAccount;
+
 }
diff --git a/src/main/java/com/rymcu/forest/enumerate/TransactionCode.java b/src/main/java/com/rymcu/forest/enumerate/TransactionCode.java
index a0e6bd2..48edd92 100644
--- a/src/main/java/com/rymcu/forest/enumerate/TransactionCode.java
+++ b/src/main/java/com/rymcu/forest/enumerate/TransactionCode.java
@@ -5,7 +5,8 @@ package com.rymcu.forest.enumerate;
  */
 public enum TransactionCode {
 
-    InsufficientBalance(901, "余额不足");
+    INSUFFICIENT_BALANCE(901, "余额不足"),
+    UNKNOWN_ACCOUNT(902, "账号不存在");
 
     private int code;
 
diff --git a/src/main/java/com/rymcu/forest/service/BankAccountService.java b/src/main/java/com/rymcu/forest/service/BankAccountService.java
index d90323e..0eea673 100644
--- a/src/main/java/com/rymcu/forest/service/BankAccountService.java
+++ b/src/main/java/com/rymcu/forest/service/BankAccountService.java
@@ -46,5 +46,19 @@ public interface BankAccountService extends Service<BankAccount> {
      */
     BankAccount findInfoByBankAccount(String formBankAccount);
 
+    /**
+     * 根据时间查询账号交易记录
+     * @param bankAccount
+     * @param startDate
+     * @param endDate
+     * @return
+     */
     List<TransactionRecordDTO> findUserTransactionRecords(String bankAccount, String startDate, String endDate);
+
+    /**
+     * 创建钱包账号
+     * @param idUser
+     * @return
+     */
+    BankAccount createBankAccount(Long idUser);
 }
diff --git a/src/main/java/com/rymcu/forest/service/impl/ArticleServiceImpl.java b/src/main/java/com/rymcu/forest/service/impl/ArticleServiceImpl.java
index e69376f..2e62f0f 100644
--- a/src/main/java/com/rymcu/forest/service/impl/ArticleServiceImpl.java
+++ b/src/main/java/com/rymcu/forest/service/impl/ArticleServiceImpl.java
@@ -13,10 +13,7 @@ import com.rymcu.forest.entity.User;
 import com.rymcu.forest.handler.event.ArticleDeleteEvent;
 import com.rymcu.forest.handler.event.ArticleEvent;
 import com.rymcu.forest.mapper.ArticleMapper;
-import com.rymcu.forest.service.ArticleService;
-import com.rymcu.forest.service.NotificationService;
-import com.rymcu.forest.service.TagService;
-import com.rymcu.forest.service.UserService;
+import com.rymcu.forest.service.*;
 import com.rymcu.forest.util.Html2TextUtil;
 import com.rymcu.forest.util.Utils;
 import com.rymcu.forest.util.XssUtils;
@@ -52,6 +49,8 @@ public class ArticleServiceImpl extends AbstractService<Article> implements Arti
     private NotificationService notificationService;
     @Resource
     private ApplicationEventPublisher publisher;
+    @Resource
+    private BankAccountService bankAccountService;
 
     @Value("${resource.domain}")
     private String domain;
@@ -282,6 +281,8 @@ public class ArticleServiceImpl extends AbstractService<Article> implements Arti
                 List<PortfolioArticleDTO> portfolioArticleDTOList = articleMapper.selectPortfolioArticles(article.getIdArticle());
                 portfolioArticleDTOList.forEach(this::genPortfolioArticles);
                 article.setPortfolios(portfolioArticleDTOList);
+                // 查询作者是否开通钱包账号
+                article.setCanSponsor(Objects.nonNull(bankAccountService.findBankAccountByIdUser(article.getArticleAuthorId())));
             } else if (type.equals(articleEdit)) {
                 article.setArticleContent(articleContent.getArticleContent());
             } else {
diff --git a/src/main/java/com/rymcu/forest/service/impl/BankAccountServiceImpl.java b/src/main/java/com/rymcu/forest/service/impl/BankAccountServiceImpl.java
index 960c592..72bc07e 100644
--- a/src/main/java/com/rymcu/forest/service/impl/BankAccountServiceImpl.java
+++ b/src/main/java/com/rymcu/forest/service/impl/BankAccountServiceImpl.java
@@ -43,19 +43,10 @@ public class BankAccountServiceImpl extends AbstractService<BankAccount> impleme
         String defaultAccountType = "0";
         bankAccount.setAccountType(defaultAccountType);
         List<BankAccount> bankAccounts = bankAccountMapper.select(bankAccount);
-        BankAccountDTO bankAccountDTO;
         if (Objects.nonNull(bankAccounts) && bankAccounts.size() > 0) {
-             bankAccountDTO = bankAccountMapper.selectBankAccount(bankAccounts.get(0).getIdBankAccount());
-        } else {
-            bankAccount.setAccountBalance(new BigDecimal("0"));
-            // 默认为社区发展与改革银行
-            bankAccount.setIdBank(2L);
-            bankAccount.setBankAccount(nextBankAccount());
-            bankAccount.setCreatedTime(new Date());
-            bankAccountMapper.insertSelective(bankAccount);
-            bankAccountDTO = bankAccountMapper.selectBankAccount(bankAccount.getIdBankAccount());
+             return bankAccountMapper.selectBankAccount(bankAccounts.get(0).getIdBankAccount());
         }
-        return bankAccountDTO;
+        return null;
     }
 
     @Override
@@ -69,6 +60,19 @@ public class BankAccountServiceImpl extends AbstractService<BankAccount> impleme
         return transactionRecordService.findTransactionRecords(bankAccount, startDate, endDate);
     }
 
+    @Override
+    public BankAccount createBankAccount(Long idUser) {
+        BankAccount bankAccount = new BankAccount();
+        bankAccount.setAccountBalance(new BigDecimal("0"));
+        // 默认为社区发展与改革银行
+        bankAccount.setIdBank(2L);
+        bankAccount.setAccountOwner(idUser);
+        bankAccount.setBankAccount(nextBankAccount());
+        bankAccount.setCreatedTime(new Date());
+        bankAccountMapper.insertSelective(bankAccount);
+        return bankAccount;
+    }
+
     @Override
     public BankAccountDTO findByBankAccount(String bankAccount) {
         return bankAccountMapper.selectByBankAccount(bankAccount);
diff --git a/src/main/java/com/rymcu/forest/service/impl/SponsorServiceImpl.java b/src/main/java/com/rymcu/forest/service/impl/SponsorServiceImpl.java
index 380666b..77bf427 100644
--- a/src/main/java/com/rymcu/forest/service/impl/SponsorServiceImpl.java
+++ b/src/main/java/com/rymcu/forest/service/impl/SponsorServiceImpl.java
@@ -47,7 +47,7 @@ public class SponsorServiceImpl extends AbstractService<Sponsor> implements Spon
             ArticleDTO articleDTO = articleService.findArticleDTOById(sponsor.getDataId(), 1);
             TransactionRecord transactionRecord = transactionRecordService.userTransfer(articleDTO.getArticleAuthorId(), sponsor.getSponsor(), transactionEnum);
             if (Objects.isNull(transactionRecord.getIdTransactionRecord())) {
-                throw new TransactionException(TransactionCode.InsufficientBalance);
+                throw new TransactionException(TransactionCode.INSUFFICIENT_BALANCE);
             }
             // 更新文章赞赏数
             int result = sponsorMapper.updateArticleSponsorCount(articleDTO.getIdArticle());
diff --git a/src/main/java/com/rymcu/forest/service/impl/TransactionRecordServiceImpl.java b/src/main/java/com/rymcu/forest/service/impl/TransactionRecordServiceImpl.java
index 9992e41..f087bae 100644
--- a/src/main/java/com/rymcu/forest/service/impl/TransactionRecordServiceImpl.java
+++ b/src/main/java/com/rymcu/forest/service/impl/TransactionRecordServiceImpl.java
@@ -49,7 +49,7 @@ public class TransactionRecordServiceImpl extends AbstractService<TransactionRec
                 transactionRecordMapper.insertSelective(transactionRecord);
             }
         } else {
-            throw new TransactionException(TransactionCode.InsufficientBalance);
+            throw new TransactionException(TransactionCode.INSUFFICIENT_BALANCE);
         }
         return transactionRecord;
     }
@@ -73,6 +73,9 @@ public class TransactionRecordServiceImpl extends AbstractService<TransactionRec
     public TransactionRecord userTransfer(Long toUserId, Long formUserId, TransactionEnum transactionType) {
         BankAccountDTO toBankAccount = bankAccountMapper.findPersonBankAccountByIdUser(toUserId);
         BankAccountDTO formBankAccount = bankAccountMapper.findPersonBankAccountByIdUser(formUserId);
+        if (Objects.isNull(toBankAccount) || Objects.isNull(formBankAccount)) {
+            throw new TransactionException(TransactionCode.UNKNOWN_ACCOUNT);
+        }
         TransactionRecord transactionRecord = new TransactionRecord();
         transactionRecord.setToBankAccount(toBankAccount.getBankAccount());
         transactionRecord.setFormBankAccount(formBankAccount.getBankAccount());
@@ -84,6 +87,9 @@ public class TransactionRecordServiceImpl extends AbstractService<TransactionRec
     @Override
     public TransactionRecord bankTransfer(Long idUser, TransactionEnum transactionType) {
         BankAccountDTO toBankAccount = bankAccountMapper.findPersonBankAccountByIdUser(idUser);
+        if (Objects.isNull(toBankAccount)) {
+            throw new TransactionException(TransactionCode.UNKNOWN_ACCOUNT);
+        }
         Boolean isTrue;
         // 校验货币规则
         switch (transactionType) {
@@ -156,9 +162,7 @@ public class TransactionRecordServiceImpl extends AbstractService<TransactionRec
     private boolean checkFormAccountStatus(String formBankAccount, BigDecimal money) {
         BankAccount bankAccount = findInfoByBankAccount(formBankAccount);
         if (Objects.nonNull(bankAccount)) {
-            if (bankAccount.getAccountBalance().compareTo(money) > 0) {
-                return true;
-            }
+            return bankAccount.getAccountBalance().compareTo(money) > 0;
         }
         return false;
     }
diff --git a/src/main/java/com/rymcu/forest/web/api/auth/AuthController.java b/src/main/java/com/rymcu/forest/web/api/auth/AuthController.java
index 40bc1ad..66c4ab6 100644
--- a/src/main/java/com/rymcu/forest/web/api/auth/AuthController.java
+++ b/src/main/java/com/rymcu/forest/web/api/auth/AuthController.java
@@ -4,8 +4,10 @@ import com.alibaba.fastjson2.JSONObject;
 import com.rymcu.forest.auth.TokenManager;
 import com.rymcu.forest.core.result.GlobalResult;
 import com.rymcu.forest.core.result.GlobalResultGenerator;
+import com.rymcu.forest.dto.BankAccountDTO;
 import com.rymcu.forest.dto.TokenUser;
 import com.rymcu.forest.entity.User;
+import com.rymcu.forest.service.BankAccountService;
 import com.rymcu.forest.service.UserService;
 import com.rymcu.forest.util.BeanCopierUtil;
 import com.rymcu.forest.util.UserUtils;
@@ -25,6 +27,8 @@ public class AuthController {
     private UserService userService;
     @Resource
     TokenManager tokenManager;
+    @Resource
+    private BankAccountService bankAccountService;
 
     @PostMapping("/login")
     public GlobalResult<TokenUser> login(@RequestBody User user) {
@@ -53,6 +57,10 @@ public class AuthController {
         TokenUser tokenUser = new TokenUser();
         BeanCopierUtil.copy(user, tokenUser);
         tokenUser.setScope(userService.findUserPermissions(user));
+        BankAccountDTO bankAccountDTO = bankAccountService.findBankAccountByIdUser(user.getIdUser());
+        if (Objects.nonNull(bankAccountDTO)) {
+            tokenUser.setBankAccount(bankAccountDTO.getBankAccount());
+        }
         JSONObject object = new JSONObject();
         object.put("user", tokenUser);
         return GlobalResultGenerator.genSuccessResult(object);
diff --git a/src/main/java/com/rymcu/forest/web/api/bank/WalletController.java b/src/main/java/com/rymcu/forest/web/api/bank/WalletController.java
index 22ba086..3d05a26 100644
--- a/src/main/java/com/rymcu/forest/web/api/bank/WalletController.java
+++ b/src/main/java/com/rymcu/forest/web/api/bank/WalletController.java
@@ -6,13 +6,11 @@ import com.rymcu.forest.core.result.GlobalResult;
 import com.rymcu.forest.core.result.GlobalResultGenerator;
 import com.rymcu.forest.dto.BankAccountDTO;
 import com.rymcu.forest.dto.TransactionRecordDTO;
+import com.rymcu.forest.entity.BankAccount;
 import com.rymcu.forest.entity.User;
 import com.rymcu.forest.service.BankAccountService;
 import com.rymcu.forest.util.UserUtils;
-import org.springframework.web.bind.annotation.GetMapping;
-import org.springframework.web.bind.annotation.RequestMapping;
-import org.springframework.web.bind.annotation.RequestParam;
-import org.springframework.web.bind.annotation.RestController;
+import org.springframework.web.bind.annotation.*;
 
 import javax.annotation.Resource;
 import javax.servlet.http.HttpServletRequest;
@@ -54,4 +52,10 @@ public class WalletController {
         PageInfo<TransactionRecordDTO> pageInfo = new PageInfo(list);
         return GlobalResultGenerator.genSuccessResult(pageInfo);
     }
+
+    @PostMapping("/create")
+    public GlobalResult<BankAccount> create() {
+        User user = UserUtils.getCurrentUserByToken();
+        return GlobalResultGenerator.genSuccessResult(bankAccountService.createBankAccount(user.getIdUser()));
+    }
 }