diff --git a/src/main/java/com/yau/digitalrmb/corporatewallet/application/CorporateWalletKeyService.java b/src/main/java/com/yau/digitalrmb/corporatewallet/application/CorporateWalletKeyService.java
index 7f29d5c..59b85ab 100644
--- a/src/main/java/com/yau/digitalrmb/corporatewallet/application/CorporateWalletKeyService.java
+++ b/src/main/java/com/yau/digitalrmb/corporatewallet/application/CorporateWalletKeyService.java
@@ -142,6 +142,44 @@ public class CorporateWalletKeyService {
         keyInfoMapper.insert(entity);
     }
 
+    /**
+     * 按需获取私钥：若数据库中已存在则直接返回，否则自动生成SM2密钥对并存入数据库。
+     * 适用于：企业法人私钥、数币操作员私钥、数币复核员私钥、监管机构私钥等。
+     */
+    public String getOrCreatePrivateKey(InstitutionKeySubject subject, String keyType, String holder) {
+        CorporateWalletKeyInfoEntity existing = find(subject, keyType);
+        if (existing != null) {
+            return existing.getKeyValue();
+        }
+        InstitutionSm2KeyPair pair = cryptography.generateSm2KeyPair();
+        saveKeyInfo(subject, keyType, holder, pair.getPrivateKey(), true, "NEW", holder);
+        saveKeyInfo(subject, keyType.replace("私钥", "公钥"), holder, pair.getPublicKey(), false, "NEW", holder);
+        return pair.getPrivateKey();
+    }
+
+    /**
+     * 按需获取公钥：若数据库中已存在则直接返回，否则基于已有私钥生成公钥并存入。
+     */
+    public String getOrCreatePublicKey(InstitutionKeySubject subject, String keyType, String holder) {
+        CorporateWalletKeyInfoEntity existing = find(subject, keyType);
+        if (existing != null) {
+            return existing.getKeyValue();
+        }
+        // 尝试从对应私钥推导
+        String privateKeyType = keyType.replace("公钥", "私钥");
+        CorporateWalletKeyInfoEntity privateEntity = find(subject, privateKeyType);
+        if (privateEntity != null) {
+            String publicKey = cryptography.derivePublicKey(privateEntity.getKeyValue());
+            saveKeyInfo(subject, keyType, holder, publicKey, false, "NEW", holder);
+            return publicKey;
+        }
+        // 私钥也不存在，生成新密钥对
+        InstitutionSm2KeyPair pair = cryptography.generateSm2KeyPair();
+        saveKeyInfo(subject, privateKeyType, holder, pair.getPrivateKey(), true, "NEW", holder);
+        saveKeyInfo(subject, keyType, holder, pair.getPublicKey(), false, "NEW", holder);
+        return pair.getPublicKey();
+    }
+
     private CorporateWalletKeyResult buildResult(String keyType, String holder, String keyValue,
                                                    boolean isPrivateKey, String source) {
         return new CorporateWalletKeyResult(keyType, holder, "SM2", keyValue, isPrivateKey, source);
diff --git a/src/main/java/com/yau/digitalrmb/corporatewallet/application/CorporateWalletService.java b/src/main/java/com/yau/digitalrmb/corporatewallet/application/CorporateWalletService.java
index 6827156..0f4a096 100644
--- a/src/main/java/com/yau/digitalrmb/corporatewallet/application/CorporateWalletService.java
+++ b/src/main/java/com/yau/digitalrmb/corporatewallet/application/CorporateWalletService.java
@@ -170,6 +170,9 @@ public class CorporateWalletService {
                         subject.getSchoolId(), subject.getClassId())
                 .orElse(null);
         if (remoteActivated != null) {
+            // 【企业信息一致性校验】比对临柜开立和远程开立的企业信息是否一致
+            validateEnterpriseInfoConsistency(app, remoteActivated);
+            
             // 复用远程开立的钱包ID，不再生成新钱包
             app.activateWallet(remoteActivated.getWalletId(), remoteActivated.getActivateTime());
             repository.update(app);
@@ -178,7 +181,8 @@ public class CorporateWalletService {
                     app.getWalletType(), "ACTIVATED", remoteActivated.getActivateTime(), "远程开立");
         }
 
-        String walletId = "CORP_" + app.getDigestValue();
+        // 钱包ID基于统一社会信用代码生成，确保同一企业无论通过哪个渠道开立，钱包ID都一致
+        String walletId = "CORP_" + cryptography.sm3(app.getCreditCode());
         String activateTime = app.getVerifyTime() != null ? app.getVerifyTime()
                 : LocalDateTime.now().format(TIMESTAMP_FORMAT);
 
@@ -217,4 +221,38 @@ public class CorporateWalletService {
                 + "\"applyTime\":\"" + applyTime + "\","
                 + "\"status\":\"已提交\"}";
     }
+
+    /**
+     * 校验临柜开立和远程开立的企业信息一致性
+     * @param corpApp 临柜开立申请
+     * @param remoteApp 远程开立申请
+     */
+    private void validateEnterpriseInfoConsistency(CorporateWalletApplication corpApp,
+                                                    RemoteWalletApplication remoteApp) {
+        java.util.List<String> errors = new java.util.ArrayList<>();
+        
+        // 1. 校验统一社会信用代码（最关键）
+        if (!corpApp.getCreditCode().equals(remoteApp.getCreditCode())) {
+            errors.add("统一社会信用代码不一致：临柜开立为【" + corpApp.getCreditCode() + "】，"
+                    + "远程开立为【" + remoteApp.getCreditCode() + "】");
+        }
+        
+        // 2. 校验企业名称
+        if (!corpApp.getCorpName().equals(remoteApp.getCorpName())) {
+            errors.add("企业名称不一致：临柜开立为【" + corpApp.getCorpName() + "】，"
+                    + "远程开立为【" + remoteApp.getCorpName() + "】");
+        }
+        
+        // 3. 校验法定代表人
+        if (!corpApp.getLegalPerson().equals(remoteApp.getLegalPerson())) {
+            errors.add("法定代表人不一致：临柜开立为【" + corpApp.getLegalPerson() + "】，"
+                    + "远程开立为【" + remoteApp.getLegalPerson() + "】");
+        }
+        
+        // 4. 如果有错误，抛出异常
+        if (!errors.isEmpty()) {
+            String errorMsg = "企业信息不一致，无法提交：\n" + String.join("\n", errors);
+            throw new BusinessException(ErrorCode.VALIDATION_ERROR, errorMsg);
+        }
+    }
 }
diff --git a/src/main/java/com/yau/digitalrmb/corporatewallet/application/RemoteSignatureResult.java b/src/main/java/com/yau/digitalrmb/corporatewallet/application/RemoteSignatureResult.java
index 5a77f55..8703f67 100644
--- a/src/main/java/com/yau/digitalrmb/corporatewallet/application/RemoteSignatureResult.java
+++ b/src/main/java/com/yau/digitalrmb/corporatewallet/application/RemoteSignatureResult.java
@@ -6,15 +6,12 @@ import lombok.Getter;
 @Getter
 @Schema(description = "远程开立-SM2签名结果")
 public class RemoteSignatureResult {
-    @Schema(description = "签名私钥（十六进制）")
-    private final String privateKey;
     @Schema(description = "签名算法", example = "SM2")
     private final String algorithm;
     @Schema(description = "签名值（十六进制）")
     private final String signature;
 
-    public RemoteSignatureResult(String privateKey, String algorithm, String signature) {
-        this.privateKey = privateKey;
+    public RemoteSignatureResult(String algorithm, String signature) {
         this.algorithm = algorithm;
         this.signature = signature;
     }
diff --git a/src/main/java/com/yau/digitalrmb/corporatewallet/application/RemoteWalletService.java b/src/main/java/com/yau/digitalrmb/corporatewallet/application/RemoteWalletService.java
index 34b034e..c7f5887 100644
--- a/src/main/java/com/yau/digitalrmb/corporatewallet/application/RemoteWalletService.java
+++ b/src/main/java/com/yau/digitalrmb/corporatewallet/application/RemoteWalletService.java
@@ -1,13 +1,17 @@
 package com.yau.digitalrmb.corporatewallet.application;
 
+import com.yau.digitalrmb.corporatewallet.application.CorporateWalletKeyService;
 import com.yau.digitalrmb.corporatewallet.domain.CorporateWalletApplication;
 import com.yau.digitalrmb.corporatewallet.domain.CorporateWalletApplicationRepository;
 import com.yau.digitalrmb.corporatewallet.domain.RemoteWalletApplication;
 import com.yau.digitalrmb.corporatewallet.domain.RemoteWalletApplicationRepository;
+import com.yau.digitalrmb.corporatewallet.infrastructure.CorporateWalletKeyInfoEntity;
+import com.yau.digitalrmb.corporatewallet.infrastructure.CorporateWalletKeyInfoMapper;
 import com.yau.digitalrmb.corporatewallet.interfaces.rest.dto.RemoteWalletApplicationRequest;
+import com.yau.digitalrmb.institutionidentity.application.InstitutionKeyService;
 import com.yau.digitalrmb.institutionidentity.application.InstitutionKeySubject;
-import com.yau.digitalrmb.institutionidentity.domain.InstitutionSm2KeyPair;
 import com.yau.digitalrmb.institutionidentity.infrastructure.SmInstitutionIdentityCryptography;
+import com.yau.digitalrmb.security.context.AuthContextHolder;
 import com.yau.digitalrmb.shared.api.ErrorCode;
 import com.yau.digitalrmb.shared.exception.BusinessException;
 import org.springframework.stereotype.Service;
@@ -28,6 +32,16 @@ public class RemoteWalletService {
     private CorporateWalletApplicationRepository corporateRepository;
     @Resource
     private SmInstitutionIdentityCryptography cryptography;
+    @Resource
+    private CorporateWalletKeyInfoMapper keyInfoMapper;
+    @Resource
+    private SalaryScoreService scoreService;
+    @Resource
+    private CorporateWalletKeyService keyService;
+    @Resource
+    private InstitutionKeyService institutionKeyService;
+
+    private static final String LEGAL_PERSON_KEY_TYPE = "企业法人私钥";
 
     // ==================== 步骤一：企业法人在线填写信息 ====================
 
@@ -122,23 +136,81 @@ public class RemoteWalletService {
     }
 
     @Transactional
-    public RemoteSignatureResult computeSignature(InstitutionKeySubject subject) {
+    public RemoteSignatureResult computeSignature(InstitutionKeySubject subject, String providedPrivateKey) {
         RemoteWalletApplication app = findRequired(subject);
         if (app.getSigningDigestValue() == null) {
             throw new BusinessException(ErrorCode.VALIDATION_ERROR, "请先完成SM3摘要运算");
         }
         if (app.getSignature() != null) {
-            return new RemoteSignatureResult(app.getSignPrivateKey(), "SM2", app.getSignature());
+            return new RemoteSignatureResult("SM2", app.getSignature());
         }
 
-        InstitutionSm2KeyPair keyPair = cryptography.generateSm2KeyPair();
-        String privateKey = keyPair.getPrivateKey();
-        String signature = cryptography.sign(privateKey, app.getSigningExtractMessage());
+        // 验证前端传入的私钥不能为空
+        if (providedPrivateKey == null || providedPrivateKey.trim().isEmpty()) {
+            throw new BusinessException(ErrorCode.VALIDATION_ERROR, "企业法人私钥不能为空");
+        }
+        String trimmedPrivateKey = providedPrivateKey.trim();
+
+        // 检查数据库中是否已存在企业法人私钥
+        String legalPersonName = app.getLegalPerson() != null ? app.getLegalPerson() : "企业法人";
+        CorporateWalletKeyInfoEntity existingKey = keyInfoMapper.selectOne(
+                new com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper<CorporateWalletKeyInfoEntity>()
+                        .eq(CorporateWalletKeyInfoEntity::getUserId, subject.getUserId())
+                        .eq(CorporateWalletKeyInfoEntity::getSchoolId, subject.getSchoolId())
+                        .eq(CorporateWalletKeyInfoEntity::getClassId, subject.getClassId())
+                        .eq(CorporateWalletKeyInfoEntity::getKeyType, LEGAL_PERSON_KEY_TYPE)
+                        .eq(CorporateWalletKeyInfoEntity::getIsPrivateKey, true)
+                        .eq(CorporateWalletKeyInfoEntity::getDeleted, false)
+                        .orderByDesc(CorporateWalletKeyInfoEntity::getCreatedAt)
+                        .last("LIMIT 1"));
+
+        if (existingKey != null) {
+            // 【场景1】数据库中已有密钥，验证前端传入的私钥是否正确
+            if (!existingKey.getKeyValue().equalsIgnoreCase(trimmedPrivateKey)) {
+                scoreService.recordError(subject.getUserId());
+                throw new BusinessException(ErrorCode.VALIDATION_ERROR, "企业法人私钥不正确，错误次数+1");
+            }
+            // 使用数据库中已有的私钥进行签名
+            String signature = cryptography.sign(existingKey.getKeyValue(), app.getSigningExtractMessage());
+            app.setSignPrivateKey(existingKey.getKeyValue());
+            app.setSignature(signature);
+            repository.update(app);
+            return new RemoteSignatureResult("SM2", signature);
+        } else {
+            // 【场景2】数据库中没有密钥，说明用户没有先调用 /keys 接口获取密钥
+            // 这种情况视为错误，记录错误次数并提示用户
+            scoreService.recordError(subject.getUserId());
+            this.getAllKeys(
+                    InstitutionKeySubject.from(AuthContextHolder.get()), AuthContextHolder.get().getUsername());
+
+            throw new BusinessException(ErrorCode.VALIDATION_ERROR,
+                    "企业法人私钥有误，错误次数+1");
+        }
 
-        app.setSignPrivateKey(privateKey);
-        app.setSignature(signature);
-        repository.update(app);
-        return new RemoteSignatureResult(privateKey, "SM2", signature);
+    }
+
+    /**
+     * 保存密钥信息到 corporate_wallet_key_info 表
+     */
+    private void saveKeyInfo(InstitutionKeySubject subject, String keyType, String holder,
+                              String keyValue, boolean isPrivateKey, String source) {
+        CorporateWalletKeyInfoEntity entity = new CorporateWalletKeyInfoEntity();
+        entity.setUserId(subject.getUserId());
+        entity.setSchoolId(subject.getSchoolId());
+        entity.setClassId(subject.getClassId());
+        entity.setKeyType(keyType);
+        entity.setHolder(holder);
+        entity.setKeyAlgorithm("SM2");
+        entity.setKeyValue(keyValue);
+        entity.setIsPrivateKey(isPrivateKey);
+        entity.setSource(source);
+        java.time.LocalDateTime now = java.time.LocalDateTime.now();
+        entity.setCreatedAt(now);
+        entity.setUpdatedAt(now);
+        entity.setCreatedBy(holder);
+        entity.setUpdatedBy(holder);
+        entity.setDeleted(false);
+        keyInfoMapper.insert(entity);
     }
 
     @Transactional
@@ -221,6 +293,9 @@ public class RemoteWalletService {
                         subject.getSchoolId(), subject.getClassId())
                 .orElse(null);
         if (corpActivated != null) {
+            // 【企业信息一致性校验】比对远程开立和临柜开立的企业信息是否一致
+            validateEnterpriseInfoConsistency(app, corpActivated);
+            
             // 复用临柜开立的钱包ID，不再生成新钱包
             app.activateWallet(corpActivated.getWalletId(), corpActivated.getActivateTime());
             repository.update(app);
@@ -229,7 +304,8 @@ public class RemoteWalletService {
                     app.getWalletType(), "ACTIVATED", corpActivated.getActivateTime(), "已验证", "临柜开立");
         }
 
-        String walletId = "CORP_" + app.getWalletDigestValue();
+        // 钱包ID基于统一社会信用代码生成，确保同一企业无论通过哪个渠道开立，钱包ID都一致
+        String walletId = "CORP_" + cryptography.sm3(app.getCreditCode());
         String activateTime = app.getSignTime() != null ? app.getSignTime()
                 : LocalDateTime.now().format(TIMESTAMP_FORMAT);
 
@@ -260,4 +336,108 @@ public class RemoteWalletService {
         return "REMOTE_OPEN|" + corpName + "|" + creditCode + "|" + legalPerson + "|"
                 + phone + "|" + applyTime;
     }
+
+    /**
+     * 获取远程开立所需的全部密钥信息：
+     * 央行第一密钥、商业银行第二密钥复用已有数据；
+     * 企业法人、数币操作员、数币复核员、监管机构密钥按需生成（若不存在则新增，已存在则复用）。
+     */
+    @Transactional
+    public java.util.List<RemoteWalletKeyResult> getAllKeys(InstitutionKeySubject subject, String operator) {
+        java.util.List<RemoteWalletKeyResult> results = new java.util.ArrayList<>();
+
+        // 1. 央行第一密钥（复用 institution_sm2_key）
+        com.yau.digitalrmb.institutionidentity.application.InstitutionKeyPairResult centralKey = 
+            institutionKeyService.centralBankKey(subject, operator);
+        results.add(buildKeyResult("央行第一私钥", "中国人民银行",
+                centralKey.getPrivateKey(), true, "REUSED"));
+        results.add(buildKeyResult("央行第一公钥", "中国人民银行",
+                centralKey.getPublicKey(), false, "REUSED"));
+
+        // 2. 商业银行第二密钥（复用 institution_sm2_key）
+        com.yau.digitalrmb.institutionidentity.application.InstitutionKeyPairResult bankKey = 
+            institutionKeyService.commercialBankKey(subject, operator);
+        results.add(buildKeyResult("商业银行第二私钥", "中国银行",
+                bankKey.getPrivateKey(), true, "REUSED"));
+        results.add(buildKeyResult("商业银行第二公钥", "中国银行",
+                bankKey.getPublicKey(), false, "REUSED"));
+
+        // 3. 企业法人密钥（按需生成）
+        RemoteWalletApplication app = findOrCreate(subject);
+        String legalPersonName = app.getLegalPerson() != null ? app.getLegalPerson() : "企业法人";
+        String[] legalPersonPair = getOrCreateKeyPair(subject, "企业法人私钥", "企业法人公钥",
+                legalPersonName);
+        results.add(buildKeyResult("企业法人私钥", legalPersonName, legalPersonPair[0], true, "NEW"));
+        results.add(buildKeyResult("企业法人公钥", legalPersonName, legalPersonPair[1], false, "NEW"));
+
+        // 4. 数币操作员密钥（按需生成）
+        String[] operatorPair = getOrCreateKeyPair(subject, "数币操作员私钥", "数币操作员公钥",
+                "王五");
+        results.add(buildKeyResult("数币操作员私钥", "王五", operatorPair[0], true, "NEW"));
+        results.add(buildKeyResult("数币操作员公钥", "王五", operatorPair[1], false, "NEW"));
+
+        // 5. 数币复核员密钥（按需生成）
+        String[] reviewerPair = getOrCreateKeyPair(subject, "数币复核员私钥", "数币复核员公钥",
+                "赵六");
+        results.add(buildKeyResult("数币复核员私钥", "赵六", reviewerPair[0], true, "NEW"));
+        results.add(buildKeyResult("数币复核员公钥", "赵六", reviewerPair[1], false, "NEW"));
+
+        // 6. 监管机构密钥（按需生成）
+        String[] regulatorPair = getOrCreateKeyPair(subject, "监管机构私钥", "监管机构公钥",
+                "民政部公益监管中心");
+        results.add(buildKeyResult("监管机构私钥", "民政部公益监管中心", regulatorPair[0], true, "NEW"));
+        results.add(buildKeyResult("监管机构公钥", "民政部公益监管中心", regulatorPair[1], false, "NEW"));
+
+        return results;
+    }
+
+    /**
+     * 按需获取密钥对：若数据库中已存在则直接返回，否则自动生成SM2密钥对并存入数据库。
+     * 返回 [privateKey, publicKey]
+     */
+    private String[] getOrCreateKeyPair(InstitutionKeySubject subject, String privateKeyType,
+                                          String publicKeyType, String holder) {
+        String privateKey = keyService.getOrCreatePrivateKey(subject, privateKeyType, holder);
+        String publicKey = keyService.getOrCreatePublicKey(subject, publicKeyType, holder);
+        return new String[]{privateKey, publicKey};
+    }
+
+    private RemoteWalletKeyResult buildKeyResult(String keyType, String holder, String keyValue,
+                                                   boolean isPrivateKey, String source) {
+        return new RemoteWalletKeyResult(keyType, holder, "SM2", keyValue, isPrivateKey, source);
+    }
+
+    /**
+     * 校验远程开立和临柜开立的企业信息一致性
+     * @param remoteApp 远程开立申请
+     * @param corpApp 临柜开立申请
+     */
+    private void validateEnterpriseInfoConsistency(RemoteWalletApplication remoteApp, 
+                                                    CorporateWalletApplication corpApp) {
+        java.util.List<String> errors = new java.util.ArrayList<>();
+        
+        // 1. 校验统一社会信用代码（最关键）
+        if (!remoteApp.getCreditCode().equals(corpApp.getCreditCode())) {
+            errors.add("统一社会信用代码不一致：远程开立为【" + remoteApp.getCreditCode() + "】，"
+                    + "临柜开立为【" + corpApp.getCreditCode() + "】");
+        }
+        
+        // 2. 校验企业名称
+        if (!remoteApp.getCorpName().equals(corpApp.getCorpName())) {
+            errors.add("企业名称不一致：远程开立为【" + remoteApp.getCorpName() + "】，"
+                    + "临柜开立为【" + corpApp.getCorpName() + "】");
+        }
+        
+        // 3. 校验法定代表人
+        if (!remoteApp.getLegalPerson().equals(corpApp.getLegalPerson())) {
+            errors.add("法定代表人不一致：远程开立为【" + remoteApp.getLegalPerson() + "】，"
+                    + "临柜开立为【" + corpApp.getLegalPerson() + "】");
+        }
+        
+        // 4. 如果有错误，抛出异常
+        if (!errors.isEmpty()) {
+            String errorMsg = "企业信息不一致，无法提交：\n" + String.join("\n", errors);
+            throw new BusinessException(ErrorCode.VALIDATION_ERROR, errorMsg);
+        }
+    }
 }
diff --git a/src/main/java/com/yau/digitalrmb/corporatewallet/application/SalaryBatchService.java b/src/main/java/com/yau/digitalrmb/corporatewallet/application/SalaryBatchService.java
index 4237f54..3bd15c2 100644
--- a/src/main/java/com/yau/digitalrmb/corporatewallet/application/SalaryBatchService.java
+++ b/src/main/java/com/yau/digitalrmb/corporatewallet/application/SalaryBatchService.java
@@ -66,6 +66,8 @@ public class SalaryBatchService {
     private SalaryScoreService scoreService;
     @Resource
     private InstitutionKeyService institutionKeyService;
+    @Resource
+    private CorporateWalletKeyService keyService;
 
     // ==================== 步骤一：调取区块信息 ====================
 
@@ -87,6 +89,9 @@ public class SalaryBatchService {
         batch.fetchBlockchain(batchId, corpWalletId, OPERATOR_NAME, timestamp);
         repository.update(batch);
 
+        // 标记步骤3完成：数币操作员导入工资明细
+        scoreService.markStepCompleted(subject.getUserId(), 3);
+
         return new SalaryBlockchainResult(corpWalletId, batchId, OPERATOR_NAME, timestamp);
     }
 
@@ -103,6 +108,9 @@ public class SalaryBatchService {
         batch.concatenate(message);
         repository.update(batch);
 
+        // 继续步骤3：拼接原文（属于数币操作员流程的一部分）
+        // 不单独计分，合并到步骤3中
+
         return new SalaryConcatenateResult(message);
     }
 
@@ -122,6 +130,9 @@ public class SalaryBatchService {
         batch.computeDigest("SM3", digest);
         repository.update(batch);
 
+        // 继续步骤3：生成摘要（属于数币操作员流程的一部分）
+        // 不单独计分，合并到步骤3中
+
         return new SalaryDigestResult(digest);
     }
 
@@ -155,6 +166,9 @@ public class SalaryBatchService {
         batch.sign(signature);
         repository.update(batch);
 
+        // 继续步骤3：SM2签名（属于数币操作员流程的一部分）
+        // 不单独计分，合并到步骤3中
+
         return new SalarySignatureResult(signature);
     }
 
@@ -174,6 +188,9 @@ public class SalaryBatchService {
         batch.output(json);
         repository.update(batch);
 
+        // 继续步骤3：输出（属于数币操作员流程的一部分）
+        // 不单独计分，合并到步骤3中
+
         return new SalaryOutputResult(json);
     }
 
@@ -275,6 +292,9 @@ public class SalaryBatchService {
         batch.checkPermission(singleStatus, batchStatus, dailyStatus, reviewResult);
         repository.update(batch);
 
+        // 标记步骤4完成：数币复核员审核与权限审批
+        scoreService.markStepCompleted(subject.getUserId(), 4);
+
         return new SalaryReviewCheckResult(
                 singleStatus, SINGLE_LIMIT.setScale(2).toPlainString(), maxSingleAmount.setScale(2).toPlainString(), singleDesc,
                 batchStatus, BATCH_LIMIT.setScale(2).toPlainString(), batchTotal.setScale(2).toPlainString(), batchDesc,
@@ -488,6 +508,9 @@ public class SalaryBatchService {
         batch.outputConfirm(json);
         repository.update(batch);
 
+        // 标记步骤5完成：交易确认与工资发放
+        scoreService.markStepCompleted(subject.getUserId(), 5);
+
         return new SalaryConfirmOutputResult(json);
     }
 
@@ -527,35 +550,17 @@ public class SalaryBatchService {
     }
 
     /**
-     * 从 corporate_wallet_key_info 表获取数币操作员私钥
+     * 从 corporate_wallet_key_info 表获取数币操作员私钥（若不存在则自动生成）
      */
     private String findOperatorPrivateKey(InstitutionKeySubject subject) {
-        CorporateWalletKeyInfoEntity entity = keyInfoMapper.selectOne(
-                new LambdaQueryWrapper<CorporateWalletKeyInfoEntity>()
-                        .eq(CorporateWalletKeyInfoEntity::getUserId, subject.getUserId())
-                        .eq(CorporateWalletKeyInfoEntity::getSchoolId, subject.getSchoolId())
-                        .eq(CorporateWalletKeyInfoEntity::getClassId, subject.getClassId())
-                        .eq(CorporateWalletKeyInfoEntity::getKeyType, OPERATOR_KEY_TYPE)
-                        .eq(CorporateWalletKeyInfoEntity::getDeleted, false)
-                        .orderByDesc(CorporateWalletKeyInfoEntity::getCreatedAt)
-                        .last("LIMIT 1"));
-        return entity == null ? null : entity.getKeyValue();
+        return keyService.getOrCreatePrivateKey(subject, OPERATOR_KEY_TYPE, OPERATOR_NAME);
     }
 
     /**
-     * 从 corporate_wallet_key_info 表获取数币复核员私钥
+     * 从 corporate_wallet_key_info 表获取数币复核员私钥（若不存在则自动生成）
      */
     private String findReviewerPrivateKey(InstitutionKeySubject subject) {
-        CorporateWalletKeyInfoEntity entity = keyInfoMapper.selectOne(
-                new LambdaQueryWrapper<CorporateWalletKeyInfoEntity>()
-                        .eq(CorporateWalletKeyInfoEntity::getUserId, subject.getUserId())
-                        .eq(CorporateWalletKeyInfoEntity::getSchoolId, subject.getSchoolId())
-                        .eq(CorporateWalletKeyInfoEntity::getClassId, subject.getClassId())
-                        .eq(CorporateWalletKeyInfoEntity::getKeyType, REVIEWER_KEY_TYPE)
-                        .eq(CorporateWalletKeyInfoEntity::getDeleted, false)
-                        .orderByDesc(CorporateWalletKeyInfoEntity::getCreatedAt)
-                        .last("LIMIT 1"));
-        return entity == null ? null : entity.getKeyValue();
+        return keyService.getOrCreatePrivateKey(subject, REVIEWER_KEY_TYPE, REVIEWER_NAME);
     }
 
     /**
diff --git a/src/main/java/com/yau/digitalrmb/corporatewallet/application/SalaryScoreService.java b/src/main/java/com/yau/digitalrmb/corporatewallet/application/SalaryScoreService.java
index 502c97e..83a897e 100644
--- a/src/main/java/com/yau/digitalrmb/corporatewallet/application/SalaryScoreService.java
+++ b/src/main/java/com/yau/digitalrmb/corporatewallet/application/SalaryScoreService.java
@@ -42,6 +42,40 @@ public class SalaryScoreService {
         return accumulatedErrorCount;
     }
 
+    /**
+     * 标记步骤完成，更新进度和成绩
+     * @param userId 用户ID
+     * @param completedStep 完成的步骤编号（1-7）
+     */
+    @Transactional(propagation = Propagation.REQUIRES_NEW)
+    public void markStepCompleted(String userId, int completedStep) {
+        if (userId == null || userId.trim().isEmpty()) {
+            return;
+        }
+        StuModuleScoreDetailsEntity detail = getOrCreate(userId);
+        int errorCount = errorCount(detail.getCompletionStatus());
+        
+        // 模块六共7个步骤：
+        // 1-临柜开立, 2-远程开立, 3-数币操作员导入, 4-数币复核员审核, 
+        // 5-交易确认与工资发放, 6-捐赠企业发起, 7-受赠机构接收
+        int totalSteps = 7;
+        int normalizedStep = Math.max(0, Math.min(totalSteps, completedStep));
+        
+        // 计算进度百分比：completedStep / totalSteps * 100
+        double completedSchedule = BigDecimal.valueOf(normalizedStep)
+                .multiply(BigDecimal.valueOf(TOTAL_SCORE))
+                .divide(BigDecimal.valueOf(totalSteps), 2, RoundingMode.HALF_UP)
+                .doubleValue();
+        
+        // 取最大进度（防止回退）
+        double schedule = Math.max(progress(detail.getSchedule()), completedSchedule);
+        
+        detail.setCompletionStatus(String.valueOf(errorCount));
+        detail.setSchedule(schedule);
+        detail.setScoreProject(score(errorCount, schedule));
+        scoreDetailsMapper.updateById(detail);
+    }
+
     private StuModuleScoreDetailsEntity getOrCreate(String userId) {
         StuModuleScoreDetailsEntity existing = scoreDetailsMapper.selectOne(
                 new LambdaQueryWrapper<StuModuleScoreDetailsEntity>()
diff --git a/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/RemoteWalletController.java b/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/RemoteWalletController.java
index 01d1a90..bdc1221 100644
--- a/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/RemoteWalletController.java
+++ b/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/RemoteWalletController.java
@@ -7,10 +7,12 @@ import com.yau.digitalrmb.corporatewallet.application.RemoteDigestResult;
 import com.yau.digitalrmb.corporatewallet.application.RemoteExtractResult;
 import com.yau.digitalrmb.corporatewallet.application.RemoteFaceRecognitionResult;
 import com.yau.digitalrmb.corporatewallet.application.RemoteSignatureResult;
+import com.yau.digitalrmb.corporatewallet.application.RemoteWalletKeyResult;
 import com.yau.digitalrmb.corporatewallet.application.RemoteWalletResult;
 import com.yau.digitalrmb.corporatewallet.application.RemoteWalletService;
 import com.yau.digitalrmb.corporatewallet.interfaces.rest.dto.RemoteFaceRecognitionRequest;
 import com.yau.digitalrmb.corporatewallet.interfaces.rest.dto.RemoteWalletApplicationRequest;
+import com.yau.digitalrmb.corporatewallet.interfaces.rest.dto.RemoteWalletSignRequest;
 import com.yau.digitalrmb.institutionidentity.application.InstitutionKeySubject;
 import com.yau.digitalrmb.security.context.AuthContextHolder;
 import com.yau.digitalrmb.shared.api.ApiResponse;
@@ -33,6 +35,16 @@ public class RemoteWalletController {
     @Resource
     private RemoteWalletService remoteWalletService;
 
+    // ==================== 密钥管理 ====================
+
+    @PostMapping("/keys")
+    @Operation(summary = "获取全部密钥信息",
+            description = "复用央行第一密钥和商业银行第二密钥，按需生成企业法人、数币操作员、数币复核员、监管机构密钥（若不存在则新增，已存在则复用）")
+    public ApiResponse<java.util.List<RemoteWalletKeyResult>> getAllKeys() {
+        return ApiResponse.success(remoteWalletService.getAllKeys(
+                InstitutionKeySubject.from(AuthContextHolder.get()), AuthContextHolder.get().getUsername()), traceId());
+    }
+
     // ==================== 步骤一：企业法人在线填写信息 ====================
 
     @PostMapping("/concatenate")
@@ -82,10 +94,11 @@ public class RemoteWalletController {
 
     @PostMapping("/sign")
     @Operation(summary = "步骤二-SM2计算签名",
-            description = "生成SM2密钥对对签约原文进行签名，返回私钥和签名值")
-    public ApiResponse<RemoteSignatureResult> computeSignature() {
+            description = "传入企业法人私钥进行SM2签名，私钥不正确则错误数+1")
+    public ApiResponse<RemoteSignatureResult> computeSignature(
+            @Valid @RequestBody RemoteWalletSignRequest request) {
         return ApiResponse.success(remoteWalletService.computeSignature(
-                InstitutionKeySubject.from(AuthContextHolder.get())), traceId());
+                InstitutionKeySubject.from(AuthContextHolder.get()), request.getPrivateKey()), traceId());
     }
 
     @PostMapping("/contract-output")
diff --git a/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryBatchController.java b/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryBatchController.java
index 5e1831f..10c7f15 100644
--- a/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryBatchController.java
+++ b/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryBatchController.java
@@ -24,7 +24,7 @@ import javax.validation.Valid;
 
 @RestController
 @RequestMapping("/api/v1/salary")
-@Tag(name = "模块六-企业发放数字人民币工资 - 步骤1：数币操作员导入工资明细", description = "数币操作员导入工资明细、签名并发送全流程")
+@Tag(name = "模块六-2-数币操作员：导入工资明细", description = "数币操作员导入工资明细、签名并发送全流程")
 public class SalaryBatchController {
     @Resource
     private SalaryBatchService salaryBatchService;
diff --git a/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryConfirmController.java b/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryConfirmController.java
index 5a713cf..b47f377 100644
--- a/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryConfirmController.java
+++ b/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryConfirmController.java
@@ -20,7 +20,7 @@ import javax.validation.Valid;
 
 @RestController
 @RequestMapping("/api/v1/salary/confirm")
-@Tag(name = "模块六-企业发放数字人民币工资 - 步骤3：交易确认与工资发放", description = "提取交易确认原文、生成摘要、央行签名并输出全流程")
+@Tag(name = "模块六-2-企步骤3：交易确认与工资发放", description = "提取交易确认原文、生成摘要、央行签名并输出全流程")
 public class SalaryConfirmController {
     @Resource
     private SalaryBatchService salaryBatchService;
diff --git a/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryReviewController.java b/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryReviewController.java
index 0266ef4..d14fa82 100644
--- a/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryReviewController.java
+++ b/src/main/java/com/yau/digitalrmb/corporatewallet/interfaces/rest/SalaryReviewController.java
@@ -21,7 +21,7 @@ import javax.validation.Valid;
 
 @RestController
 @RequestMapping("/api/v1/salary/review")
-@Tag(name = "模块六-企业发放数字人民币工资 - 步骤2：数币复核员审核与权限审批", description = "数币复核员提取审核原文、权限校验、摘要、签名并输出全流程")
+@Tag(name = "模块六-2-数币复核员审核与权限审批", description = "数币复核员提取审核原文、权限校验、摘要、签名并输出全流程")
 public class SalaryReviewController {
     @Resource
     private SalaryBatchService salaryBatchService;
diff --git a/src/main/java/com/yau/digitalrmb/institutionidentity/application/CurrencyGenerationVerificationService.java b/src/main/java/com/yau/digitalrmb/institutionidentity/application/CurrencyGenerationVerificationService.java
index d1d8df8..f911826 100644
--- a/src/main/java/com/yau/digitalrmb/institutionidentity/application/CurrencyGenerationVerificationService.java
+++ b/src/main/java/com/yau/digitalrmb/institutionidentity/application/CurrencyGenerationVerificationService.java
@@ -100,16 +100,25 @@ public class CurrencyGenerationVerificationService {
 
     @Transactional
     public CurrencyQuotaVerificationResult verifyQuota(InstitutionKeySubject subject, String operator) {
+        // 额度验证是每个用户独立的，使用当前用户的记录
         CurrencyGenerationVerification value = requireLatest(subject);
+        
+        // 【幂等性检查】如果已经验证过，直接返回结果，不执行任何更新操作
         if (value.getStatus().ordinal() >= CurrencyGenerationVerification.Status.QUOTA_VERIFIED.ordinal()) {
             return new CurrencyQuotaVerificationResult(value);
         }
+        
+        // 执行额度验证
+        // 本次申请金额从步骤二请求报文中获取（value.getAmount()）
+        // 已用额度暂时设为0，剩余额度 = 总额度 - 本次申请
+        BigDecimal currentAmount = value.getAmount() != null ? value.getAmount() : BigDecimal.ZERO;
+        BigDecimal usedQuota = BigDecimal.ZERO;  // 暂时不计算系统已用额度
+        BigDecimal remainingQuota = TOTAL_QUOTA.subtract(currentAmount).max(BigDecimal.ZERO);
+        
         CurrencyGenerationVerification.Status expected = value.getStatus();
-        BigDecimal usedQuota = requestMapper.sumActiveAmount();
-        BigDecimal remainingQuota = TOTAL_QUOTA.subtract(usedQuota).max(BigDecimal.ZERO);
         invoke(() -> value.verifyQuota(TOTAL_QUOTA, usedQuota, remainingQuota));
         repository.update(value, expected, "VERIFY_QUOTA",
-                "验证全系统50000元实训额度，累计已用额度包含本次申请金额", operator);
+                "验证全系统50000元实训额度，本次申请" + currentAmount.toPlainString() + "元", operator);
         return new CurrencyQuotaVerificationResult(value);
     }
 
diff --git a/src/main/java/com/yau/digitalrmb/institutionidentity/domain/CurrencyGenerationVerification.java b/src/main/java/com/yau/digitalrmb/institutionidentity/domain/CurrencyGenerationVerification.java
index 064fc55..2e37816 100644
--- a/src/main/java/com/yau/digitalrmb/institutionidentity/domain/CurrencyGenerationVerification.java
+++ b/src/main/java/com/yau/digitalrmb/institutionidentity/domain/CurrencyGenerationVerification.java
@@ -148,13 +148,13 @@ public class CurrencyGenerationVerification {
     }
 
     public void verifyQuota(BigDecimal total, BigDecimal used, BigDecimal remaining) {
-        if (!Boolean.TRUE.equals(digestMatches)) {
-            throw new IllegalStateException("请先匹配摘要一和摘要二");
-        }
+        // 额度验证是系统级操作，不依赖摘要匹配状态
+        // 移除 digestMatches 检查，允许独立进行额度验证
         totalQuota = total;
         usedQuota = used;
         remainingQuota = remaining;
-        quotaSufficient = used.compareTo(total) <= 0;
+        // 判断本次申请金额是否超过剩余额度
+        quotaSufficient = amount.compareTo(remaining) <= 0;
         if (quotaSufficient) {
             status = Status.QUOTA_VERIFIED;
         }
diff --git a/src/main/java/com/yau/digitalrmb/institutionidentity/domain/CurrencyGenerationVerificationRepository.java b/src/main/java/com/yau/digitalrmb/institutionidentity/domain/CurrencyGenerationVerificationRepository.java
index 66d3b93..cc72961 100644
--- a/src/main/java/com/yau/digitalrmb/institutionidentity/domain/CurrencyGenerationVerificationRepository.java
+++ b/src/main/java/com/yau/digitalrmb/institutionidentity/domain/CurrencyGenerationVerificationRepository.java
@@ -7,6 +7,13 @@ public interface CurrencyGenerationVerificationRepository {
     Optional<CurrencyGenerationVerification> findByIdAndSubject(long verificationId, String userId,
                                                                  long schoolId, long classId);
     Optional<CurrencyGenerationVerification> findLatestBySubject(String userId, long schoolId, long classId);
+    /**
+     * 查询系统共享的验证记录（用于全系统共享的额度验证）
+     * @param schoolId 学校ID
+     * @param classId 班级ID
+     * @return 系统共享的验证记录
+     */
+    Optional<CurrencyGenerationVerification> findSystemSharedRecord(long schoolId, long classId);
     void update(CurrencyGenerationVerification verification,
                 CurrencyGenerationVerification.Status expectedStatus,
                 String operation, String detail, String operator);
diff --git a/src/main/java/com/yau/digitalrmb/institutionidentity/domain/InstitutionIdentityCryptography.java b/src/main/java/com/yau/digitalrmb/institutionidentity/domain/InstitutionIdentityCryptography.java
index 78c0766..91007a8 100644
--- a/src/main/java/com/yau/digitalrmb/institutionidentity/domain/InstitutionIdentityCryptography.java
+++ b/src/main/java/com/yau/digitalrmb/institutionidentity/domain/InstitutionIdentityCryptography.java
@@ -3,6 +3,12 @@ package com.yau.digitalrmb.institutionidentity.domain;
 public interface InstitutionIdentityCryptography {
     String sm3(String text);
     InstitutionSm2KeyPair generateSm2KeyPair();
+    /**
+     * 从私钥推导公钥
+     * @param privateKey 私钥（十六进制字符串）
+     * @return 公钥（压缩格式的十六进制字符串）
+     */
+    String derivePublicKey(String privateKey);
     String sign(String privateKey, String message);
     boolean verify(String publicKey, String message, String signature);
 }
diff --git a/src/main/java/com/yau/digitalrmb/institutionidentity/infrastructure/MybatisCurrencyGenerationVerificationRepository.java b/src/main/java/com/yau/digitalrmb/institutionidentity/infrastructure/MybatisCurrencyGenerationVerificationRepository.java
index 345677f..024e3b2 100644
--- a/src/main/java/com/yau/digitalrmb/institutionidentity/infrastructure/MybatisCurrencyGenerationVerificationRepository.java
+++ b/src/main/java/com/yau/digitalrmb/institutionidentity/infrastructure/MybatisCurrencyGenerationVerificationRepository.java
@@ -60,6 +60,20 @@ public class MybatisCurrencyGenerationVerificationRepository implements Currency
         return Optional.ofNullable(entity).map(this::toDomain);
     }
 
+    @Override
+    public Optional<CurrencyGenerationVerification> findSystemSharedRecord(long schoolId, long classId) {
+        // 使用固定的 SYSTEM 用户ID查询系统共享的验证记录
+        CurrencyGenerationVerificationEntity entity = mapper.selectOne(
+                new LambdaQueryWrapper<CurrencyGenerationVerificationEntity>()
+                        .eq(CurrencyGenerationVerificationEntity::getUserId, "SYSTEM")
+                        .eq(CurrencyGenerationVerificationEntity::getSchoolId, schoolId)
+                        .eq(CurrencyGenerationVerificationEntity::getClassId, classId)
+                        .eq(CurrencyGenerationVerificationEntity::getDeleted, false)
+                        .orderByDesc(CurrencyGenerationVerificationEntity::getCreatedAt)
+                        .last("LIMIT 1"));
+        return Optional.ofNullable(entity).map(this::toDomain);
+    }
+
     @Override
     public void update(CurrencyGenerationVerification value,
                        CurrencyGenerationVerification.Status expectedStatus,
diff --git a/src/main/java/com/yau/digitalrmb/institutionidentity/infrastructure/SmInstitutionIdentityCryptography.java b/src/main/java/com/yau/digitalrmb/institutionidentity/infrastructure/SmInstitutionIdentityCryptography.java
index a991f9e..d480ef4 100644
--- a/src/main/java/com/yau/digitalrmb/institutionidentity/infrastructure/SmInstitutionIdentityCryptography.java
+++ b/src/main/java/com/yau/digitalrmb/institutionidentity/infrastructure/SmInstitutionIdentityCryptography.java
@@ -14,6 +14,7 @@ import org.bouncycastle.crypto.params.ECPublicKeyParameters;
 import org.bouncycastle.crypto.params.ParametersWithID;
 import org.bouncycastle.crypto.params.ParametersWithRandom;
 import org.bouncycastle.crypto.signers.SM2Signer;
+import org.bouncycastle.math.ec.ECPoint;
 import org.springframework.stereotype.Component;
 
 import java.math.BigInteger;
@@ -51,6 +52,13 @@ public class SmInstitutionIdentityCryptography implements InstitutionIdentityCry
                 hex(publicKey.getQ().getEncoded(false)));
     }
 
+    @Override
+    public String derivePublicKey(String privateKey) {
+        BigInteger d = new BigInteger(privateKey, 16);
+        ECPoint Q = DOMAIN.getG().multiply(d);
+        return hex(Q.getEncoded(false));
+    }
+
     @Override
     public String sign(String privateKey, String message) {
         ECPrivateKeyParameters key = new ECPrivateKeyParameters(new BigInteger(privateKey, 16), DOMAIN);