diff --git a/backend/api/routes/accounts.py b/backend/api/routes/accounts.py
index 441ab9b..f3469f6 100644
--- a/backend/api/routes/accounts.py
+++ b/backend/api/routes/accounts.py
@@ -87,8 +87,8 @@ async def list_accounts(user: Dict[str, Any] = Depends(get_current_user)) -> Lis
             r = Account.get(int(aid))
             if not r:
                 continue
-            # 普通用户：不返回密钥相关字段
-            _, _, use_testnet = Account.get_credentials(int(aid))
+            # 普通用户：不返回密钥明文，但返回“是否已配置”的状态，方便前端提示
+            api_key, api_secret, use_testnet = Account.get_credentials(int(aid))
             out.append(
                 {
                     "id": int(aid),
@@ -96,6 +96,8 @@ async def list_accounts(user: Dict[str, Any] = Depends(get_current_user)) -> Lis
                     "status": r.get("status") or "active",
                     "use_testnet": bool(use_testnet),
                     "role": membership_map.get(int(aid), "viewer"),
+                    "has_api_key": bool(api_key),
+                    "has_api_secret": bool(api_secret),
                 }
             )
         return out
diff --git a/frontend/src/components/ConfigPanel.jsx b/frontend/src/components/ConfigPanel.jsx
index 02b1ec0..1a2b2cd 100644
--- a/frontend/src/components/ConfigPanel.jsx
+++ b/frontend/src/components/ConfigPanel.jsx
@@ -15,6 +15,7 @@ const ConfigPanel = ({ currentUser }) => {
   const [systemBusy, setSystemBusy] = useState(false)
   const [accountTradingStatus, setAccountTradingStatus] = useState(null)
   const [accountTradingErr, setAccountTradingErr] = useState('')
+  const [currentAccountMeta, setCurrentAccountMeta] = useState(null)
 
   // 多账号：当前账号（仅用于配置页提示；全局切换器在顶部导航）
   const [accountId, setAccountId] = useState(getCurrentAccountId())
@@ -220,6 +221,21 @@ const ConfigPanel = ({ currentUser }) => {
     }
   }
 
+  const loadCurrentAccountMeta = async () => {
+    try {
+      const list = await api.getAccounts()
+      const accounts = Array.isArray(list) ? list : []
+      const meta = accounts.find((a) => parseInt(String(a?.id || '0'), 10) === parseInt(String(accountId || '0'), 10))
+      setCurrentAccountMeta(meta || null)
+      // 同步 testnet 开关到表单（仅在未输入时同步，避免打断正在输入）
+      if (meta && !credForm.api_key && !credForm.api_secret) {
+        setCredForm((prev) => ({ ...prev, use_testnet: !!meta.use_testnet }))
+      }
+    } catch (e) {
+      setCurrentAccountMeta(null)
+    }
+  }
+
   const handleAccountTradingEnsure = async () => {
     setSystemBusy(true)
     setMessage('')
@@ -235,6 +251,12 @@ const ConfigPanel = ({ currentUser }) => {
   }
 
   const handleAccountTradingStart = async () => {
+    const hasKey = !!currentAccountMeta?.has_api_key
+    const hasSecret = !!currentAccountMeta?.has_api_secret
+    if (!hasKey || !hasSecret) {
+      setMessage('请先在“账号密钥（当前账号）”中配置 BINANCE_API_KEY 与 BINANCE_API_SECRET，然后再启动交易进程')
+      return
+    }
     setSystemBusy(true)
     setMessage('')
     try {
@@ -263,6 +285,12 @@ const ConfigPanel = ({ currentUser }) => {
   }
 
   const handleAccountTradingRestart = async () => {
+    const hasKey = !!currentAccountMeta?.has_api_key
+    const hasSecret = !!currentAccountMeta?.has_api_secret
+    if (!hasKey || !hasSecret) {
+      setMessage('请先在“账号密钥（当前账号）”中配置 BINANCE_API_KEY 与 BINANCE_API_SECRET，然后再重启交易进程')
+      return
+    }
     setSystemBusy(true)
     setMessage('')
     try {
@@ -359,6 +387,7 @@ const ConfigPanel = ({ currentUser }) => {
     }
     loadBackendStatus()
     loadAccountTradingStatus()
+    loadCurrentAccountMeta()
 
     const timer = setInterval(() => {
       if (isAdmin) {
@@ -366,6 +395,7 @@ const ConfigPanel = ({ currentUser }) => {
       }
       loadBackendStatus()
       loadAccountTradingStatus()
+      loadCurrentAccountMeta()
     }, 3000)
 
     return () => clearInterval(timer)
@@ -395,9 +425,12 @@ const ConfigPanel = ({ currentUser }) => {
     setLoading(true)
     loadConfigs()
     checkFeasibility()
-    loadSystemStatus()
+    if (isAdmin) {
+      loadSystemStatus()
+    }
     loadBackendStatus()
     loadAccountTradingStatus()
+    loadCurrentAccountMeta()
   }, [accountId])
 
   // 顶部导航切换账号时（localStorage更新），这里做一个轻量同步
@@ -829,20 +862,26 @@ const ConfigPanel = ({ currentUser }) => {
           <div className="accounts-form">
             <label>
               API KEY（留空=不改）
+              <div className="system-status-meta" style={{ marginTop: '4px' }}>
+                当前状态：{currentAccountMeta?.has_api_key ? '已配置（******）' : '未配置（必须先配置才能启动交易）'}
+              </div>
               <input
                 type="password"
                 value={credForm.api_key}
                 onChange={(e) => setCredForm({ ...credForm, api_key: e.target.value })}
-                placeholder="粘贴你的 Binance API KEY"
+                placeholder={currentAccountMeta?.has_api_key ? '已配置（******），如需更换请重新填写' : '粘贴你的 Binance API KEY'}
               />
             </label>
             <label>
               API SECRET（留空=不改）
+              <div className="system-status-meta" style={{ marginTop: '4px' }}>
+                当前状态：{currentAccountMeta?.has_api_secret ? '已配置（******）' : '未配置（必须先配置才能启动交易）'}
+              </div>
               <input
                 type="password"
                 value={credForm.api_secret}
                 onChange={(e) => setCredForm({ ...credForm, api_secret: e.target.value })}
-                placeholder="粘贴你的 Binance API SECRET"
+                placeholder={currentAccountMeta?.has_api_secret ? '已配置（******），如需更换请重新填写' : '粘贴你的 Binance API SECRET'}
               />
             </label>
             <label className="accounts-inline">
@@ -1454,7 +1493,12 @@ const ConfigPanel = ({ currentUser }) => {
           <h3>{label}</h3>
           <div className="config-grid">
             {Object.entries(configs)
-              .filter(([key, config]) => config.category === category)
+              .filter(([key, config]) => {
+                if (config.category !== category) return false
+                // 密钥相关配置统一在“账号密钥（当前账号）”模块管理，这里不重复展示
+                if (key === 'BINANCE_API_KEY' || key === 'BINANCE_API_SECRET' || key === 'USE_TESTNET') return false
+                return true
+              })
               .map(([key, config]) => (
                 <ConfigItem
                   key={key}