diff --git a/src/main/java/com/example/demo/mapper/cash/UserRegionWalletMapper.java b/src/main/java/com/example/demo/mapper/cash/UserRegionWalletMapper.java
new file mode 100644
index 0000000..7f6336c
--- /dev/null
+++ b/src/main/java/com/example/demo/mapper/cash/UserRegionWalletMapper.java
@@ -0,0 +1,37 @@
+package com.example.demo.mapper.cash;
+
+import com.example.demo.domain.entity.UserRegionWallet;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+
+/**
+ * @program: gold-java
+ * @ClassName UserRegionWalletMapper
+ * @description: 用户钱包 Mapper 接口
+ * @author: Ethan
+ * @create: 2026-03-05
+ * @Version 1.0
+ **/
+@Mapper
+public interface UserRegionWalletMapper {
+
+    /**
+     * 根据 jwcode 和 walletId 查询用户钱包
+     */
+    UserRegionWallet selectByJwcodeAndWalletId(@Param("jwcode") Integer jwcode,
+                                               @Param("walletId") Integer walletId);
+
+    /**
+     * 插入或更新用户钱包余额
+     */
+    int insertOrUpdate(UserRegionWallet userRegionWallet);
+
+    /**
+     * 增加用户钱包永久金币
+     */
+    int addPermanentGold(@Param("jwcode") Integer jwcode,
+                         @Param("walletId") Integer walletId,
+                         @Param("amount") BigDecimal amount);
+}
diff --git a/src/main/resources/cashMapper/UserRegionWalletMapper.xml b/src/main/resources/cashMapper/UserRegionWalletMapper.xml
new file mode 100644
index 0000000..62f75fe
--- /dev/null
+++ b/src/main/resources/cashMapper/UserRegionWalletMapper.xml
@@ -0,0 +1,29 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!DOCTYPE mapper PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN" "http://mybatis.org/dtd/mybatis-3-mapper.dtd">
+<mapper namespace="com.example.demo.mapper.cash.UserRegionWalletMapper">
+
+    <!-- 根据 jwcode 和 walletId 查询用户钱包 -->
+    <select id="selectByJwcodeAndWalletId" resultType="com.example.demo.domain.entity.UserRegionWallet">
+        SELECT id, jwcode, wallet_id, current_permanent_gold, create_time, update_time
+        FROM user_region_wallet
+        WHERE jwcode = #{jwcode} AND wallet_id = #{walletId}
+    </select>
+
+    <!-- 插入或更新用户钱包余额 -->
+    <insert id="insertOrUpdate" parameterType="com.example.demo.domain.entity.UserRegionWallet">
+        INSERT INTO user_region_wallet (jwcode, wallet_id, current_permanent_gold, create_time, update_time)
+        VALUES (#{jwcode}, #{walletId}, #{currentPermanentGold}, NOW(), NOW())
+            ON DUPLICATE KEY UPDATE
+                                 current_permanent_gold = VALUES(current_permanent_gold),
+                                 update_time = NOW()
+    </insert>
+
+    <!-- 增加用户钱包永久金币 -->
+    <update id="addPermanentGold">
+        UPDATE user_region_wallet
+        SET current_permanent_gold = current_permanent_gold + #{amount},
+            update_time = NOW()
+        WHERE jwcode = #{jwcode} AND wallet_id = #{walletId}
+    </update>
+
+</mapper>