diff --git a/frontend/src/hooks/use-billing-panel.ts b/frontend/src/hooks/use-billing-panel.ts
index 3bb17374..1c11e19e 100644
--- a/frontend/src/hooks/use-billing-panel.ts
+++ b/frontend/src/hooks/use-billing-panel.ts
@@ -109,24 +109,6 @@ export function useBillingPanel(input: {
     ? activeSubscription.productCode
     : null;
 
-  const fetchAccountData = useCallback(async (): Promise<BillingAccount | null> => {
-    try {
-      const response = await fetch("/api/account", { cache: "no-store" });
-      if (response.status === 401) {
-        window.location.assign("/login");
-        return null;
-      }
-      const payload = await response.json().catch(() => null);
-      if (!response.ok) throw new Error(payload?.error || "暂时无法读取账户信息");
-      const next = toBillingAccount(payload as Account);
-      setAccountError("");
-      return next;
-    } catch (caught) {
-      setAccountError(caught instanceof Error ? caught.message : "暂时无法读取账户信息");
-      return null;
-    }
-  }, []);
-
   const resetPaymentState = useCallback(() => {
     setPaymentEnabled(false);
     setPaymentPackages([]);
@@ -216,8 +198,7 @@ export function useBillingPanel(input: {
       setRedeemCode("");
       setRedeemDone(true);
       setRedeemMessage(result.message || `本次到账 ${awarded} 点，最新余额 ${result.credits} 点。`);
-      const refreshed = await fetchAccountData();
-      notifyBalanceChanged(refreshed?.credits ?? result.credits);
+      notifyBalanceChanged(result.credits);
     } catch (caught) {
       setRedeemError(caught instanceof Error ? caught.message : "兑换失败，请稍后重试");
     } finally {
@@ -281,8 +262,9 @@ export function useBillingPanel(input: {
         status: paid ? "paid" : failed ? "failed" : "pending",
       } : current);
       if (paid) {
-        const refreshed = await fetchAccountData();
-        notifyBalanceChanged(refreshed?.credits ?? 0);
+        if (typeof payload.credits === "number") {
+          notifyBalanceChanged(payload.credits);
+        }
       }
     };
     let timer = 0;
@@ -308,7 +290,7 @@ export function useBillingPanel(input: {
       stopPolling();
       document.removeEventListener("visibilitychange", onVisibilityChange);
     };
-  }, [fetchAccountData, paymentOrder]);
+  }, [paymentOrder]);
 
   return {
     account: toBillingAccount(seedAccount),
diff --git a/frontend/src/lib/billing-panel-loader.ts b/frontend/src/lib/billing-panel-loader.ts
index a5db5617..d4f669a2 100644
--- a/frontend/src/lib/billing-panel-loader.ts
+++ b/frontend/src/lib/billing-panel-loader.ts
@@ -3,5 +3,7 @@ export function loadBillingPanel() {
 }
 
 export function prefetchBillingPanel(): void {
-  void loadBillingPanel();
+  // Hover/pointer prefetch is opportunistic. An offline chunk failure must not
+  // become an unhandled rejection handled by StaleClientRecovery as a reload.
+  void loadBillingPanel().catch(() => undefined);
 }
diff --git a/frontend/tests/billing-panel.test.ts b/frontend/tests/billing-panel.test.ts
index d1a72438..398008a0 100644
--- a/frontend/tests/billing-panel.test.ts
+++ b/frontend/tests/billing-panel.test.ts
@@ -15,11 +15,16 @@ const nextConfig = readProjectFile("next.config.ts");
 const pageSource = readProjectFile("src/app/(app)/page.tsx");
 const tabsSource = readProjectFile("src/components/ui/tabs.tsx");
 const packagesRouteSource = readProjectFile("src/app/api/payment/packages/route.ts");
+const billingLoaderSource = readProjectFile("src/lib/billing-panel-loader.ts");
 
 function countMatches(source: string, pattern: RegExp) {
   return source.match(pattern)?.length ?? 0;
 }
 
+test("billing chunk prefetch isolates offline failures", () => {
+  assert.match(billingLoaderSource, /void loadBillingPanel\(\)\.catch\(\(\) => undefined\)/);
+});
+
 test("membership routes are gone and billing loads without a spinner", () => {
   // 原值: src/app/membership/page.tsx 存在且含 Suspense / membership-loading
   // 新值: 页面删除；billing-panel 是 client 组件，无 spinner / 骨架 / 「正在加载」
@@ -37,11 +42,11 @@ test("membership routes are gone and billing loads without a spinner", () => {
 
 test("membership page loads packages and redeem endpoints without an unused account request", () => {
   // 原值: 挂载并发 /api/account 与套餐接口。
-  // 新值: 挂载只取有实际用途的套餐；账户余额由首页 bootstrap 提供，兑换/支付成功后才刷新账户。
-  // 原因: BUG-1022；重复账户请求拖慢首开且结果不作为初始渲染来源。
-  assert.match(hookSource, /fetch\("\/api\/account"/);
+  // 新值: 挂载只取套餐；账户余额由首页 bootstrap 提供，兑换/支付成功使用接口返回 credits 通过共享事件同步。
+  // 原因: BUG-1022；删除无用的完整账户请求，避免重复数据库读取，同时保留余额更新行为。
+  assert.doesNotMatch(hookSource, /fetchAccountData|fetch\("\/api\/account"/);
   assert.match(hookSource, /fetchPaymentPackages/);
-  assert.match(hookSource, /const refreshed = await fetchAccountData\(\);/);
+  assert.match(hookSource, /notifyBalanceChanged\(result\.credits\)/);
   assert.match(hookSource, /fetch\("\/api\/payment\/epay\/create"/);
   assert.match(hookSource, /fetch\(`\/api\/payment\/epay\/status\?orderNo=/);
   assert.match(hookSource, /fetch\("\/api\/redeem"/);
@@ -98,8 +103,12 @@ test("polls order status and refreshes only the balance on paid", () => {
   assert.match(poll, /const paid = payload\.status === "paid" && !failed;/);
   assert.match(poll, /if \(paid\) \{/);
   assert.match(poll, /status: paid \? "paid" : failed \? "failed" : "pending"/);
-  assert.match(poll, /fetchAccountData\(\)/);
-  assert.match(poll, /notifyBalanceChanged\(refreshed\?\.credits/);
+  // 原值: 支付成功后再次 fetchAccountData()，并用 refreshed.credits 通知。
+  // 新值: /api/payment/epay/status 已返回 credits，直接通过共享余额事件通知。
+  // 原因: T2 要求源码不再请求 /api/account；避免重复账户查询但保留支付后余额同步。
+  assert.doesNotMatch(poll, /fetchAccountData|\/api\/account/);
+  assert.match(poll, /typeof payload\.credits === "number"/);
+  assert.match(poll, /notifyBalanceChanged\(payload\.credits\)/);
   assert.doesNotMatch(poll, /fetchOrders/);
 });
 
@@ -145,8 +154,11 @@ test("redeem success reports awarded credits, latest balance and completes", ()
   assert.match(hookSource, /最新余额/);
   assert.match(hookSource, /setRedeemDone\(true\)/);
   assert.match(hookSource, /setRedeemCode\(""\)/);
-  assert.match(hookSource, /const refreshed = await fetchAccountData\(\);/);
-  assert.match(hookSource, /notifyBalanceChanged\(refreshed\?\.credits \?\? result\.credits\)/);
+  // 原值: 兑换成功后重新请求 /api/account，再以 refreshed.credits 回传。
+  // 新值: 兑换接口响应的 result.credits 直接广播共享余额事件。
+  // 原因: T2 删除无用账户请求；保留兑换后的余额同步，不新增网络往返。
+  assert.doesNotMatch(hookSource, /fetchAccountData|\/api\/account/);
+  assert.match(hookSource, /notifyBalanceChanged\(result\.credits\)/);
   assert.match(panelSource, /完成/);
   assert.match(panelSource, /onClick=\{closeRedeem\}/);
 });
@@ -363,6 +375,9 @@ test("redeem modal surface contains title, balance, input, redeem, rules and clo
 
 test("401 redirects stay hard navigations so no client state survives the sign-out", () => {
   assert.match(hookSource, /if \(response\.status === 401\) \{\s*window\.location\.assign\("\/login"\);/);
-  assert.equal(countMatches(hookSource, /window\.location\.assign\("\/login"\)/g), 4);
+  // 原值: 4 次认证硬跳转（挂载账户、订单、兑换、支付状态）。
+  // 新值: 3 次（删除挂载账户请求后，仅订单、兑换、支付状态保留认证跳转）。
+  // 原因: T2 删除无用 /api/account 请求，认证失败仍保持硬跳转。
+  assert.equal(countMatches(hookSource, /window\.location\.assign\("\/login"\)/g), 3);
   assert.doesNotMatch(billingSource, /router\.(push|replace)\("\/login"\)/);
 });
diff --git a/frontend/tests/epay-settings.test.ts b/frontend/tests/epay-settings.test.ts
index 42ba326a..b2209952 100644
--- a/frontend/tests/epay-settings.test.ts
+++ b/frontend/tests/epay-settings.test.ts
@@ -7,6 +7,7 @@ import { EpayConfigurationError, resolveEpayConfig } from "../src/lib/epay/confi
 import { assertConfiguredEpayUrl, assertPublicEpayGateway, assertPublicGatewayUrl, isPublicEpayAddress } from "../src/lib/epay/gateway-policy";
 
 const root = new URL("../", import.meta.url);
+const readProjectFile = (path: string) => readFileSync(new URL(path, root), "utf8");
 const route = readFileSync(new URL("src/app/api/admin/epay-settings/route.ts", root), "utf8");
 const management = readFileSync(new URL("src/components/admin/payment-management.tsx", root), "utf8");
 const createRoute = readFileSync(new URL("src/app/api/payment/epay/create/route.ts", root), "utf8");
@@ -184,9 +185,13 @@ test("支付开关贯通迁移、公共套餐 API、创建订单和会员页", (
   assert.ok(createRoute.indexOf("availability.enabled") < createRoute.indexOf("await readEpayConfig()"));
   assert.ok(createRoute.indexOf("availability.enabled") < createRoute.indexOf("billing_products"));
   assert.match(management, /在对话页开放支付/);
-  assert.match(billingSource, /fetch\("\/api\/payment\/packages"/);
-  assert.match(billingSource, /payload\?\..*enabled === true/);
-  assert.match(billingSource, /setPaymentEnabled\(true\)/);
+  // 原值: billing hook 直接 fetch /api/payment/packages 并读取 payload.enabled。
+  // 新值: 请求与 60 秒模块级缓存封装在 payment-packages-cache.ts，hook 通过 fetchPaymentPackages 接入；enabled 仍由返回 payload 驱动。
+  // 原因: BUG-1022；复用同会话套餐结果，减少重复网络请求且不改变支付开关行为。
+  assert.match(billingSource, /fetchPaymentPackages/);
+  assert.match(readFileSync(new URL("src/lib/payment-packages-cache.ts", root), "utf8"), /fetch\("\/api\/payment\/packages"/);
+  assert.match(readFileSync(new URL("src/lib/payment-packages-cache.ts", root), "utf8"), /enabled: record\.enabled === true/);
+  assert.match(billingHook, /setPaymentEnabled\(next\.enabled\)/);
   assert.match(billingSource, /setPaymentEnabled\(false\)[\s\S]*setPaymentPackages\(\[\]\)[\s\S]*setPaymentOrder\(null\)[\s\S]*setPaymentError\(""\)/);
   assert.doesNotMatch(page, /paymentEnabled|paymentPackages|paymentOrder|payingPackageId/);
 });
diff --git a/frontend/tests/membership-navigation-contract.test.ts b/frontend/tests/membership-navigation-contract.test.ts
index e4fe6c52..9dee56f1 100644
--- a/frontend/tests/membership-navigation-contract.test.ts
+++ b/frontend/tests/membership-navigation-contract.test.ts
@@ -11,14 +11,23 @@ function countMatches(source: string, pattern: RegExp) {
   return source.match(pattern)?.length ?? 0;
 }
 
-test("account and packages are requested concurrently on mount", () => {
-  assert.match(hookSource, /await Promise\.allSettled\(\[fetchAccountData\(\), fetchPackages\(\)\]\);/);
-  assert.doesNotMatch(hookSource, /await fetchAccountData\(\);\s*await fetchPackages\(\)/);
-  assert.doesNotMatch(hookSource, /Promise\.all\(\[/);
+test("packages load on mount without a redundant account request", () => {
+  // 原值: 挂载并发 fetchAccountData() 与 fetchPackages()，并锁定 Promise.allSettled。
+  // 新值: 挂载只执行 fetchPackages()，账户余额来自首页 bootstrap；成功兑换/支付使用接口返回 credits 通过共享事件同步。
+  // 原因: BUG-1022 / TASK-home-slow-network D5，删除无用的完整 /api/account 请求，避免重复数据库读取。
+  assert.match(hookSource, /void fetchPackages\(\);/);
+  assert.doesNotMatch(hookSource, /Promise\.allSettled\(\[fetchAccountData\(\), fetchPackages\(\)\]\)/);
+  assert.doesNotMatch(hookSource, /fetchAccountData/);
+  assert.doesNotMatch(hookSource, /fetch\("\/api\/account"/);
+  assert.match(hookSource, /notifyBalanceChanged\(result\.credits\)/);
+  assert.match(hookSource, /notifyBalanceChanged\(payload\.credits\)/);
 });
 
-test("a failing bootstrap request cannot hide the other section", () => {
-  assert.match(hookSource, /setAccountError\(caught instanceof Error/);
+test("a failing packages request cannot hide the account summary", () => {
+  // 原值: 账户与套餐并发加载，各自错误状态均需保留。
+  // 新值: 账户来自首页 bootstrap；账单挂载只请求套餐，失败仅显示套餐错误，账户摘要仍可见。
+  // 原因: BUG-1022 / T2 删除重复账户请求，避免为已不存在的请求保留错误契约。
+  assert.doesNotMatch(hookSource, /setAccountError\(caught instanceof Error/);
   assert.match(hookSource, /setPackagesError\("套餐支付暂时不可用，请稍后重试"\)/);
   // 原值: 摘要在整页 hero，失败时显示「正在读取…」
   // 新值: 弹窗打开时账户已在内存，摘要直接渲染；套餐区失败只出 packagesError
@@ -41,7 +50,10 @@ test("membership and orders navigate through next/link instead of a document rel
 
 test("401 redirects stay hard navigations so no client state survives the sign-out", () => {
   assert.match(hookSource, /if \(response\.status === 401\) \{\s*window\.location\.assign\("\/login"\);/);
-  assert.equal(countMatches(hookSource, /window\.location\.assign\("\/login"\)/g), 4);
+  // 原值: 4 次认证硬跳转，包含已删除的挂载账户请求。
+  // 新值: 3 次，订单、兑换、支付状态仍在 401 时硬跳转登录。
+  // 原因: 删除重复 /api/account 请求后，认证行为保留在仍实际发起的请求上。
+  assert.equal(countMatches(hookSource, /window\.location\.assign\("\/login"\)/g), 3);
 });
 
 test("browser back and the external cashier keep their native behaviour", () => {
@@ -53,10 +65,10 @@ test("browser back and the external cashier keep their native behaviour", () =>
 });
 
 test("the hard navigation inventory does not grow", () => {
-  // 原值: 会员页 4 次 window.location. + 订单页 1 次
-  // 新值: hook 仅 4 次 assign("/login")，面板 0 次
-  // 原因: 去掉 goBack 的 assign("/") 后硬跳转只剩认证
-  assert.equal(countMatches(hookSource, /window\.location\./g), 4);
+  // 原值: 会员页 4 次 window.location. + 订单页 1 次。
+  // 新值: hook 仅 3 次 assign("/login")，面板 0 次。
+  // 原因: 删除重复账户请求后，仅订单、兑换、支付状态保留认证硬跳转。
+  assert.equal(countMatches(hookSource, /window\.location\./g), 3);
   assert.equal(countMatches(panelSource, /window\.location\./g), 0);
 });