diff --git a/docs/first-version-development-requirements.md b/docs/first-version-development-requirements.md
index 5927193..96b7761 100644
--- a/docs/first-version-development-requirements.md
+++ b/docs/first-version-development-requirements.md
@@ -318,6 +318,7 @@
 6. 最终失败、超时失败需要退费。
 7. 三网通道成本只用于平台内部成本核算，不影响客户扣费金额。
 8. 当前版本计费口径固定为提交 accepted 扣费、最终 failed receipt/timeout 退款。
+9. 所有面向用户展示的金额、余额、充值金额、套餐价格和单价统一以人民币元展示并固定保留三位小数；内部仍使用分或最小计费单位持久化，不以展示精度改变账务计算。
 
 ## 5. 功能需求
 
diff --git a/docs/system-functional-test-cases.md b/docs/system-functional-test-cases.md
index 3139b5c..e8f7f9c 100644
--- a/docs/system-functional-test-cases.md
+++ b/docs/system-functional-test-cases.md
@@ -2275,6 +2275,7 @@
   - 生成 account_transaction，类型为 recharge，关联 recharge_order。
   - 客户端余额、账单流水即时可见。
   - 运营端充值记录、账单流水、系统日志三处可追溯。
+  - 所有金额、余额、套餐价格和单价固定展示三位小数，例如 `¥1.000`。
 
 ### TC-BILLING-007 人工充值金额和短信条数只填其一
 
diff --git a/docs/testing-progress.md b/docs/testing-progress.md
index 62abfb0..d6750f2 100644
--- a/docs/testing-progress.md
+++ b/docs/testing-progress.md
@@ -1540,5 +1540,6 @@ git diff --check
 
 - 逐图复查下载的《短信平台第一版瑕疵》后，确认中文图片文件名乱码仍真实存在：生产 `FileObject.fileName` 中可见 UTF-8 被按 Latin-1 解释后的值。上传链路现先恢复 multipart 文件名编码；历史记录由前端展示层兼容解码，避免签名材料和企业认证页继续显示乱码。
 - 通用输入框、文本框去除内部填充色；同时覆盖 Chromium 自动填充产生的蓝色内层背景。企业认证页此前额外写死的灰色输入背景已移除。
+- 2026-07-11 回归发现此前金额展示验收不充分：充值记录和多处金额页面仍混用整数、两位或四位小数。现统一金额展示为人民币元三位小数，并新增输入框聚焦底色与文本选中高亮；需求和 `TC-BILLING-006` 已同步。
 - 已执行 FilesService 定向单测（3 项通过）、API build、前端 build 和 `git diff --check`；生产部署后四个服务均为 active，API/Gateway health 正常。通过真实 `POST /api/admin/files/upload` 上传 `营业执照-编码回归.png`，响应和 `FileObject` 持久化文件名均为正常中文。
 - Batch 6 的 6.1、6.2、7.1、8.1 仍为待修，不得因之前的前端构建通过而标记完成；其余 8.x 与客户端菜单顺序将继续按原始文档逐项复核。
diff --git a/src/apps/admin/AdminChannelsPage.tsx b/src/apps/admin/AdminChannelsPage.tsx
index 2156d69..66e8103 100644
--- a/src/apps/admin/AdminChannelsPage.tsx
+++ b/src/apps/admin/AdminChannelsPage.tsx
@@ -627,7 +627,7 @@ export function AdminChannelsPage() {
             </div>
             <div className="sms-channel-carrier-price">
               <Tag tone={carrierToneMap[channel.carrier]}>{carrierLabelMap[channel.carrier]}</Tag>
-              <strong>{channel.unitPrice.toFixed(1)} 分</strong>
+              <strong>{channel.unitPrice.toFixed(3)} 分</strong>
             </div>
             <div className="sms-channel-status-cell">
               <Tag tone={statusToneMap[channel.status]}>{statusLabelMap[channel.status]}</Tag>
diff --git a/src/apps/admin/AdminCustomerDetailPage.tsx b/src/apps/admin/AdminCustomerDetailPage.tsx
index af06cf2..7c58239 100644
--- a/src/apps/admin/AdminCustomerDetailPage.tsx
+++ b/src/apps/admin/AdminCustomerDetailPage.tsx
@@ -3,6 +3,7 @@ import { useNavigate, useParams } from 'react-router-dom';
 import { ArrowLeft, FileText, MessageSquare, Server } from 'lucide-react';
 import { adminApi, type ClientSmsSignature, type ClientSmsTemplate, type EnterpriseApplication, type TenantAccount, type TenantOption } from '@/api/adminApi';
 import { Breadcrumb, Button, Table, Tag, type TableColumn } from '@/components/ui';
+import { formatCents } from '@/utils/currency';
 
 export function AdminCustomerDetailPage() {
   const navigate = useNavigate();
@@ -67,7 +68,7 @@ export function AdminCustomerDetailPage() {
       <div className="dashboard-grid enterprise-summary-grid">
         <div className="surface mini-status-card"><Server size={22} /><div><span>企业编码</span><strong>{tenant?.code ?? '-'}</strong><small>{tenant?.status ?? '-'}</small></div></div>
         <div className="surface mini-status-card"><MessageSquare size={22} /><div><span>短信余量</span><strong>{(account?.smsUnits ?? 0).toLocaleString('zh-CN')}</strong><small>真实账户余量</small></div></div>
-        <div className="surface mini-status-card"><FileText size={22} /><div><span>现金余额</span><strong>¥{((account?.balanceCents ?? 0) / 100).toLocaleString('zh-CN')}</strong><small>真实账户余额</small></div></div>
+        <div className="surface mini-status-card"><FileText size={22} /><div><span>现金余额</span><strong>¥{formatCents(account?.balanceCents)}</strong><small>真实账户余额</small></div></div>
       </div>
 
       <div className="surface section-stack">
diff --git a/src/apps/admin/AdminCustomersPage.tsx b/src/apps/admin/AdminCustomersPage.tsx
index 54349db..09bf94a 100644
--- a/src/apps/admin/AdminCustomersPage.tsx
+++ b/src/apps/admin/AdminCustomersPage.tsx
@@ -3,6 +3,7 @@ import { useNavigate } from 'react-router-dom';
 import { Building2, DollarSign, Plus, Trash2, TrendingDown, TrendingUp } from 'lucide-react';
 import { adminApi, type TenantManagementRow } from '@/api/adminApi';
 import { Breadcrumb, Button, Input, Modal, Select, Table, Tag, Textarea, type TableColumn } from '@/components/ui';
+import { formatCents } from '@/utils/currency';
 
 type AdminCustomersPageProps = {
   basePath?: string;
@@ -16,10 +17,6 @@ type RechargeForm = {
   remark: string;
 };
 
-function formatCurrency(cents: number) {
-  return (cents / 100).toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
-}
-
 function ConfirmModal({ message, onCancel, onConfirm }: { message: string; onCancel: () => void; onConfirm: () => void }) {
   return (
     <Modal footer={<><Button onClick={onCancel} variant="ghost">取消</Button><Button onClick={onConfirm}>确认</Button></>} onClose={onCancel} open title="操作确认">
@@ -86,14 +83,14 @@ export function AdminCustomersPage({ basePath = '/admin/customers' }: AdminCusto
         const balance = record.account?.balanceCents ?? 0;
         return (
           <span className={balance < 0 ? 'status-danger' : ''}>
-            ¥{formatCurrency(balance)}
+            ¥{formatCents(balance)}
             {balance < 0 ? <Tag tone="danger" className="enterprise-inline-tag">欠费</Tag> : null}
           </span>
         );
       },
     },
-    { key: 'overdraftLimit', title: '透支限额', width: '150px', align: 'right', render: (record) => `¥${formatCurrency(record.account?.creditCents ?? 0)}` },
-    { key: 'todaySpend', title: '今日消费', width: '150px', align: 'right', render: (record) => `¥${formatCurrency(record.todaySpendCents)}` },
+    { key: 'overdraftLimit', title: '透支限额', width: '150px', align: 'right', render: (record) => `¥${formatCents(record.account?.creditCents ?? 0)}` },
+    { key: 'todaySpend', title: '今日消费', width: '150px', align: 'right', render: (record) => `¥${formatCents(record.todaySpendCents)}` },
     { key: 'status', title: '企业状态', width: '130px', render: (record) => <Tag tone={record.status === 'active' ? 'success' : 'warning'}>{record.status === 'active' ? '正常' : '已禁用'}</Tag> },
     {
       key: 'actions',
@@ -172,7 +169,7 @@ export function AdminCustomersPage({ basePath = '/admin/customers' }: AdminCusto
         <div className="surface mini-status-card"><Building2 size={22} /><div><span>企业总数</span><strong>{records.length}</strong><small>真实租户数量。</small></div></div>
         <div className="surface mini-status-card"><TrendingUp size={22} /><div><span>正常运营</span><strong>{activeCount}</strong><small>可正常提交发送任务。</small></div></div>
         <div className="surface mini-status-card"><TrendingDown size={22} /><div><span>已禁用</span><strong>{disabledCount}</strong><small>已暂停发送能力。</small></div></div>
-        <div className="surface mini-status-card"><DollarSign size={22} /><div><span>账户余额</span><strong>¥{formatCurrency(totalBalance)}</strong><small>企业账户余额汇总。</small></div></div>
+        <div className="surface mini-status-card"><DollarSign size={22} /><div><span>账户余额</span><strong>¥{formatCents(totalBalance)}</strong><small>企业账户余额汇总。</small></div></div>
       </div>
 
       <div className="surface ui-query-panel">
@@ -215,7 +212,7 @@ export function AdminCustomersPage({ basePath = '/admin/customers' }: AdminCusto
         >
           <div className="admin-system-modal-form">
             <Input disabled label="企业名称" value={rechargeTarget.name} />
-            <Input disabled label="当前余额" prefix="¥" value={formatCurrency(rechargeTarget.account?.balanceCents ?? 0)} />
+            <Input disabled label="当前余额" prefix="¥" value={formatCents(rechargeTarget.account?.balanceCents ?? 0)} />
             <Input label="充值金额" onChange={(event) => updateRechargeForm('amount', event.target.value)} prefix="¥" required type="number" value={rechargeForm.amount} />
             <Input label="操作人" onChange={(event) => updateRechargeForm('operator', event.target.value)} value={rechargeForm.operator} />
             <Textarea className="admin-system-modal-form__wide" label="充值备注" onChange={(event) => updateRechargeForm('remark', event.target.value)} rows={4} value={rechargeForm.remark} />
diff --git a/src/apps/admin/AdminHome.tsx b/src/apps/admin/AdminHome.tsx
index 57a27a2..751c7e2 100644
--- a/src/apps/admin/AdminHome.tsx
+++ b/src/apps/admin/AdminHome.tsx
@@ -36,8 +36,8 @@ const balanceTone = {
 
 function formatCurrency(value: number) {
   return value.toLocaleString('zh-CN', {
-    minimumFractionDigits: 2,
-    maximumFractionDigits: 2,
+    minimumFractionDigits: 3,
+    maximumFractionDigits: 3,
   });
 }
 
diff --git a/src/apps/admin/AdminRechargeRecordsPage.tsx b/src/apps/admin/AdminRechargeRecordsPage.tsx
index ba6781d..770cc1a 100644
--- a/src/apps/admin/AdminRechargeRecordsPage.tsx
+++ b/src/apps/admin/AdminRechargeRecordsPage.tsx
@@ -3,6 +3,7 @@ import { Plus, Search } from 'lucide-react';
 import { Breadcrumb, Button, DateRangeInput, Input, Modal, Pagination, Select, Textarea, Tag, type DateRangeValue } from '@/components/ui';
 import { adminApi, type RechargeOrder, type TenantOption } from '@/api/adminApi';
 import { formatDateTime } from '@/utils/dateTime';
+import { formatAmount } from '@/utils/currency';
 
 type ManualRechargeForm = {
   tenantId: string;
@@ -16,17 +17,6 @@ function getDate(value: string) {
   return value.slice(0, 10);
 }
 
-function formatAmount(value?: number) {
-  if (value === undefined) {
-    return '';
-  }
-
-  return value.toLocaleString('zh-CN', {
-    maximumFractionDigits: 2,
-    minimumFractionDigits: Number.isInteger(value) ? 0 : 2,
-  });
-}
-
 function RemarkCell({ value }: { value?: string }) {
   return (
     <div className={['admin-remark-cell', value ? '' : 'admin-remark-cell--empty'].filter(Boolean).join(' ')}>
diff --git a/src/apps/admin/AdminSmsApplicationFormPage.tsx b/src/apps/admin/AdminSmsApplicationFormPage.tsx
index 2a78f20..6cc5508 100644
--- a/src/apps/admin/AdminSmsApplicationFormPage.tsx
+++ b/src/apps/admin/AdminSmsApplicationFormPage.tsx
@@ -80,7 +80,7 @@ export function AdminSmsApplicationFormPage() {
     setAppName(application.name);
     setScene(application.scene ?? '');
     setDailyLimit(application.dailyLimit ? String(application.dailyLimit) : '');
-    setCustomerUnitPrice(((application.customerUnitPrice ?? 0) / 100).toFixed(4));
+    setCustomerUnitPrice(((application.customerUnitPrice ?? 0) / 100).toFixed(3));
     setQueuePriority(application.queuePriority === 'priority' ? 'priority' : 'normal');
     setCmppAccount(application.cmppAccount ?? '');
     setCmppEnterpriseCode(application.cmppEnterpriseCode ?? application.tenant?.code ?? '');
@@ -185,7 +185,7 @@ export function AdminSmsApplicationFormPage() {
             <Input label="应用名称" onChange={(event) => setAppName(event.target.value)} placeholder="请输入应用名称" required value={appName} />
             <Input label="应用场景" onChange={(event) => setScene(event.target.value)} placeholder="行业通知/营销推广/验证码" value={scene} />
             <Input label="日发送数量限制" onChange={(event) => setDailyLimit(event.target.value)} placeholder="100000" required value={dailyLimit} />
-            <Input label="客户单价（元/条）" onChange={(event) => setCustomerUnitPrice(event.target.value)} placeholder="0.0300" required value={customerUnitPrice} />
+            <Input label="客户单价（元/条）" onChange={(event) => setCustomerUnitPrice(event.target.value)} placeholder="0.030" required value={customerUnitPrice} />
             <div className="admin-app-form-row admin-app-form-row--wide">
               <span>发送队列</span>
               <div className="radio-row">
diff --git a/src/apps/admin/AdminSmsRecordsPage.tsx b/src/apps/admin/AdminSmsRecordsPage.tsx
index b4293b2..f8ad0a2 100644
--- a/src/apps/admin/AdminSmsRecordsPage.tsx
+++ b/src/apps/admin/AdminSmsRecordsPage.tsx
@@ -146,7 +146,7 @@ function downloadCsv(records: SmsMessageRecord[]) {
       record.channel?.sendRegion ?? '',
       getCarrierLabel(record.channel?.carrier),
       record.billingUnits,
-      (record.amountCents / 100).toFixed(2),
+      (record.amountCents / 100).toFixed(3),
       record.channel?.name ?? record.channelId ?? '',
       getStatusLabel(record.status),
       getTime(record.deliveredAt),
diff --git a/src/apps/client/ClientApplicationsPage.tsx b/src/apps/client/ClientApplicationsPage.tsx
index f949179..685e251 100644
--- a/src/apps/client/ClientApplicationsPage.tsx
+++ b/src/apps/client/ClientApplicationsPage.tsx
@@ -1,6 +1,7 @@
 import { useEffect, useMemo, useState } from 'react';
 import { ClipboardCopy, FileText } from 'lucide-react';
 import { clientApi, type ApplicationCmppParams, type ClientSmsApplication } from '@/api/adminApi';
+import { formatCents } from '@/utils/currency';
 import { Button, Modal, Pagination, Tag } from '@/components/ui';
 
 type LinkStatus = 'connected' | 'degraded' | 'disconnected' | 'inactive';
@@ -33,7 +34,7 @@ function normalizeStatus(application: ClientSmsApplication): LinkStatus {
 }
 
 function formatPrice(cents?: number | null) {
-  return `${((cents ?? 0) / 100).toFixed(4)} 元`;
+  return `${formatCents(cents)} 元`;
 }
 
 function mapParams(params: ApplicationCmppParams): ParamRow[] {
diff --git a/src/apps/client/ClientBillingPage.tsx b/src/apps/client/ClientBillingPage.tsx
index b0a28ea..7a3bbbc 100644
--- a/src/apps/client/ClientBillingPage.tsx
+++ b/src/apps/client/ClientBillingPage.tsx
@@ -2,6 +2,7 @@ import { useEffect, useState } from 'react';
 import { CreditCard } from 'lucide-react';
 import { Button, Pagination, Tag } from '@/components/ui';
 import { clientApi, type BillingPlan } from '@/api/adminApi';
+import { formatCents } from '@/utils/currency';
 
 export function ClientBillingPage() {
   const [plans, setPlans] = useState<BillingPlan[]>([]);
@@ -54,7 +55,7 @@ export function ClientBillingPage() {
               <strong>{plan.smsUnits.toLocaleString('zh-CN')} 条</strong>
               <p className="muted">{plan.description ?? '适合阶段性短信发送和活动通知。'}</p>
               <Button icon={<CreditCard size={16} />} onClick={() => createOrder(plan)} variant={plan.smsUnits >= 100000 ? 'primary' : 'ghost'}>
-                ¥{(plan.amountCents / 100).toLocaleString('zh-CN')} 立即充值
+                ¥{formatCents(plan.amountCents)} 立即充值
               </Button>
             </article>
           ))}
diff --git a/src/apps/client/ClientHome.tsx b/src/apps/client/ClientHome.tsx
index d0e686a..dce2933 100644
--- a/src/apps/client/ClientHome.tsx
+++ b/src/apps/client/ClientHome.tsx
@@ -14,6 +14,7 @@ import { Button, Chart, Table, Tag, type TableColumn } from '@/components/ui';
 import { clientApi, type DashboardResponse } from '@/api/adminApi';
 import { createLineOption, createPieOption } from '@/theme/chartOptions';
 import { formatDateTime } from '@/utils/dateTime';
+import { formatAmount, formatCents } from '@/utils/currency';
 
 type RecentTaskRow = {
   id: string;
@@ -102,8 +103,8 @@ export function ClientHome() {
       <div className="dashboard-grid">
         <div className="surface metric-card metric-card--featured">
           <span>账户剩余余额</span>
-          <strong>¥{availableBalance.toLocaleString('zh-CN', { minimumFractionDigits: 2 })}</strong>
-          <small>今日消费 ¥{todaySpend.toLocaleString('zh-CN', { minimumFractionDigits: 2 })}</small>
+          <strong>¥{formatAmount(availableBalance)}</strong>
+          <small>今日消费 ¥{formatAmount(todaySpend)}</small>
         </div>
         <div className="surface metric-card">
           <span>今日发送</span>
@@ -112,7 +113,7 @@ export function ClientHome() {
         </div>
         <div className="surface metric-card">
           <span>今日返还金额</span>
-          <strong>¥{todayRefund.toLocaleString('zh-CN', { minimumFractionDigits: 2 })}</strong>
+          <strong>¥{formatAmount(todayRefund)}</strong>
           <small>异常回执与退费返还</small>
         </div>
       </div>
@@ -169,7 +170,7 @@ export function ClientHome() {
             </div>
             <div>
               <span>最近充值</span>
-              <strong>{latestRecharge ? `¥${(latestRecharge.amountCents / 100).toFixed(2)}` : '暂无充值'}</strong>
+              <strong>{latestRecharge ? `¥${formatCents(latestRecharge.amountCents)}` : '暂无充值'}</strong>
             </div>
           </div>
           <div>
diff --git a/src/styles/components.css b/src/styles/components.css
index dc10c74..8f7aa49 100644
--- a/src/styles/components.css
+++ b/src/styles/components.css
@@ -202,9 +202,20 @@
 .ui-select:focus-within,
 .ui-select--open {
   border-color: var(--color-selected);
+  background: color-mix(in srgb, var(--color-selected) 4%, transparent);
   box-shadow: var(--focus-ring);
 }
 
+.ui-input input::selection,
+.ui-textarea::selection {
+  background: var(--color-selected);
+  color: var(--color-text-inverse);
+}
+
+.ui-textarea:focus {
+  background: color-mix(in srgb, var(--color-selected) 4%, transparent);
+}
+
 .ui-input--error,
 .ui-select--error {
   border-color: var(--color-danger);
diff --git a/src/utils/currency.ts b/src/utils/currency.ts
new file mode 100644
index 0000000..0a201d3
--- /dev/null
+++ b/src/utils/currency.ts
@@ -0,0 +1,14 @@
+export function formatAmount(value: number) {
+  return value.toLocaleString('zh-CN', {
+    minimumFractionDigits: 3,
+    maximumFractionDigits: 3,
+  });
+}
+
+export function formatCents(cents?: number | null) {
+  return formatAmount((cents ?? 0) / 100);
+}
+
+export function formatYuan(cents?: number | null) {
+  return `¥${formatCents(cents)}`;
+}