diff --git a/fund-common/pom.xml b/fund-common/pom.xml
index f12dd62..31000ce 100644
--- a/fund-common/pom.xml
+++ b/fund-common/pom.xml
@@ -49,6 +49,13 @@
             <groupId>com.fasterxml.jackson.core</groupId>
             <artifactId>jackson-databind</artifactId>
         </dependency>
+
+        <!-- Test -->
+        <dependency>
+            <groupId>org.springframework.boot</groupId>
+            <artifactId>spring-boot-starter-test</artifactId>
+            <scope>test</scope>
+        </dependency>
     </dependencies>
 
 </project>
diff --git a/fund-common/src/main/java/com/fundplatform/common/util/AESUtils.java b/fund-common/src/main/java/com/fundplatform/common/util/AESUtils.java
new file mode 100644
index 0000000..3111205
--- /dev/null
+++ b/fund-common/src/main/java/com/fundplatform/common/util/AESUtils.java
@@ -0,0 +1,201 @@
+package com.fundplatform.common.util;
+
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+
+import javax.crypto.Cipher;
+import javax.crypto.KeyGenerator;
+import javax.crypto.SecretKey;
+import javax.crypto.spec.GCMParameterSpec;
+import javax.crypto.spec.SecretKeySpec;
+import java.nio.charset.StandardCharsets;
+import java.security.MessageDigest;
+import java.security.SecureRandom;
+import java.util.Base64;
+
+/**
+ * AES 加密工具类
+ * 用于敏感数据加密存储(手机号、身份证号等)
+ */
+public class AESUtils {
+
+    private static final Logger log = LoggerFactory.getLogger(AESUtils.class);
+    
+    private static final String ALGORITHM = "AES";
+    private static final String TRANSFORMATION = "AES/GCM/NoPadding";
+    private static final int KEY_SIZE = 256;  // AES-256
+    private static final int GCM_IV_LENGTH = 12;  // GCM推荐的IV长度
+    private static final int GCM_TAG_LENGTH = 128;  // 认证标签长度(位)
+    
+    // 默认密钥种子(生产环境应从配置中心或密钥管理服务获取)
+    // 通过SHA-256生成32字节的密钥
+    private static final String DEFAULT_KEY_SEED = "FundPlatform2026SecretKey!@#";
+    private static final byte[] DEFAULT_KEY;
+    
+    static {
+        try {
+            MessageDigest digest = MessageDigest.getInstance("SHA-256");
+            DEFAULT_KEY = digest.digest(DEFAULT_KEY_SEED.getBytes(StandardCharsets.UTF_8));
+        } catch (Exception e) {
+            throw new RuntimeException("初始化默认密钥失败", e);
+        }
+    }
+
+    /**
+     * 生成AES密钥
+     */
+    public static String generateKey() {
+        try {
+            KeyGenerator keyGenerator = KeyGenerator.getInstance(ALGORITHM);
+            keyGenerator.init(KEY_SIZE, new SecureRandom());
+            SecretKey secretKey = keyGenerator.generateKey();
+            return Base64.getEncoder().encodeToString(secretKey.getEncoded());
+        } catch (Exception e) {
+            log.error("生成AES密钥失败", e);
+            throw new RuntimeException("生成AES密钥失败", e);
+        }
+    }
+
+    /**
+     * 加密
+     * @param plainText 明文
+     * @return Base64编码的密文(包含IV)
+     */
+    public static String encrypt(String plainText) {
+        return encryptWithKey(plainText, DEFAULT_KEY);
+    }
+
+    /**
+     * 加密
+     * @param plainText 明文
+     * @param key 密钥(Base64编码)
+     * @return Base64编码的密文(包含IV)
+     */
+    public static String encrypt(String plainText, String key) {
+        try {
+            byte[] keyBytes = Base64.getDecoder().decode(key);
+            return encryptWithKey(plainText, keyBytes);
+        } catch (Exception e) {
+            log.error("解析密钥失败", e);
+            throw new RuntimeException("解析密钥失败", e);
+        }
+    }
+
+    /**
+     * 内部加密方法
+     */
+    private static String encryptWithKey(String plainText, byte[] keyBytes) {
+        try {
+            SecretKeySpec secretKey = new SecretKeySpec(keyBytes, ALGORITHM);
+            
+            // 生成随机IV
+            byte[] iv = new byte[GCM_IV_LENGTH];
+            SecureRandom random = new SecureRandom();
+            random.nextBytes(iv);
+            
+            Cipher cipher = Cipher.getInstance(TRANSFORMATION);
+            GCMParameterSpec parameterSpec = new GCMParameterSpec(GCM_TAG_LENGTH, iv);
+            cipher.init(Cipher.ENCRYPT_MODE, secretKey, parameterSpec);
+            
+            byte[] encrypted = cipher.doFinal(plainText.getBytes(StandardCharsets.UTF_8));
+            
+            // 将IV和密文合并
+            byte[] encryptedWithIv = new byte[GCM_IV_LENGTH + encrypted.length];
+            System.arraycopy(iv, 0, encryptedWithIv, 0, GCM_IV_LENGTH);
+            System.arraycopy(encrypted, 0, encryptedWithIv, GCM_IV_LENGTH, encrypted.length);
+            
+            return Base64.getEncoder().encodeToString(encryptedWithIv);
+        } catch (Exception e) {
+            log.error("AES加密失败", e);
+            throw new RuntimeException("AES加密失败", e);
+        }
+    }
+
+    /**
+     * 解密
+     * @param encryptedText Base64编码的密文(包含IV)
+     * @return 明文
+     */
+    public static String decrypt(String encryptedText) {
+        return decryptWithKey(encryptedText, DEFAULT_KEY);
+    }
+
+    /**
+     * 解密
+     * @param encryptedText Base64编码的密文(包含IV)
+     * @param key 密钥(Base64编码)
+     * @return 明文
+     */
+    public static String decrypt(String encryptedText, String key) {
+        try {
+            byte[] keyBytes = Base64.getDecoder().decode(key);
+            return decryptWithKey(encryptedText, keyBytes);
+        } catch (Exception e) {
+            log.error("解析密钥失败", e);
+            throw new RuntimeException("解析密钥失败", e);
+        }
+    }
+
+    /**
+     * 内部解密方法
+     */
+    private static String decryptWithKey(String encryptedText, byte[] keyBytes) {
+        try {
+            SecretKeySpec secretKey = new SecretKeySpec(keyBytes, ALGORITHM);
+            
+            byte[] decoded = Base64.getDecoder().decode(encryptedText);
+            
+            // 分离IV和密文
+            byte[] iv = new byte[GCM_IV_LENGTH];
+            byte[] encrypted = new byte[decoded.length - GCM_IV_LENGTH];
+            System.arraycopy(decoded, 0, iv, 0, GCM_IV_LENGTH);
+            System.arraycopy(decoded, GCM_IV_LENGTH, encrypted, 0, encrypted.length);
+            
+            Cipher cipher = Cipher.getInstance(TRANSFORMATION);
+            GCMParameterSpec parameterSpec = new GCMParameterSpec(GCM_TAG_LENGTH, iv);
+            cipher.init(Cipher.DECRYPT_MODE, secretKey, parameterSpec);
+            
+            byte[] decrypted = cipher.doFinal(encrypted);
+            return new String(decrypted, StandardCharsets.UTF_8);
+        } catch (Exception e) {
+            log.error("AES解密失败", e);
+            throw new RuntimeException("AES解密失败", e);
+        }
+    }
+
+    /**
+     * 手机号脱敏
+     * @param phone 手机号
+     * @return 脱敏后的手机号 (如: 138****8000)
+     */
+    public static String maskPhone(String phone) {
+        if (phone == null || phone.length() < 7) {
+            return phone;
+        }
+        return phone.substring(0, 3) + "****" + phone.substring(phone.length() - 4);
+    }
+
+    /**
+     * 身份证号脱敏
+     * @param idCard 身份证号
+     * @return 脱敏后的身份证号 (如: 110***********1234)
+     */
+    public static String maskIdCard(String idCard) {
+        if (idCard == null || idCard.length() < 8) {
+            return idCard;
+        }
+        return idCard.substring(0, 3) + "***********" + idCard.substring(idCard.length() - 4);
+    }
+
+    /**
+     * 银行卡号脱敏
+     * @param bankCard 银行卡号
+     * @return 脱敏后的银行卡号 (如: 6222****1234)
+     */
+    public static String maskBankCard(String bankCard) {
+        if (bankCard == null || bankCard.length() < 8) {
+            return bankCard;
+        }
+        return bankCard.substring(0, 4) + "****" + bankCard.substring(bankCard.length() - 4);
+    }
+}
diff --git a/fund-common/src/test/java/com/fundplatform/common/util/AESUtilsTest.java b/fund-common/src/test/java/com/fundplatform/common/util/AESUtilsTest.java
new file mode 100644
index 0000000..a075e36
--- /dev/null
+++ b/fund-common/src/test/java/com/fundplatform/common/util/AESUtilsTest.java
@@ -0,0 +1,161 @@
+package com.fundplatform.common.util;
+
+import org.junit.jupiter.api.Test;
+
+import static org.junit.jupiter.api.Assertions.*;
+
+/**
+ * AES加密工具类单元测试
+ */
+class AESUtilsTest {
+
+    @Test
+    void testGenerateKey() {
+        String key = AESUtils.generateKey();
+        assertNotNull(key);
+        assertTrue(key.length() > 0);
+        System.out.println("生成的密钥: " + key);
+    }
+
+    @Test
+    void testEncryptAndDecrypt() {
+        String plainText = "13800138000";
+        
+        // 加密
+        String encrypted = AESUtils.encrypt(plainText);
+        assertNotNull(encrypted);
+        assertNotEquals(plainText, encrypted);
+        System.out.println("明文: " + plainText);
+        System.out.println("密文: " + encrypted);
+        
+        // 解密
+        String decrypted = AESUtils.decrypt(encrypted);
+        assertEquals(plainText, decrypted);
+        System.out.println("解密后: " + decrypted);
+    }
+
+    @Test
+    void testEncryptAndDecryptWithCustomKey() {
+        String plainText = "320123199001011234";
+        String key = AESUtils.generateKey();
+        
+        // 使用自定义密钥加密
+        String encrypted = AESUtils.encrypt(plainText, key);
+        assertNotNull(encrypted);
+        
+        // 使用自定义密钥解密
+        String decrypted = AESUtils.decrypt(encrypted, key);
+        assertEquals(plainText, decrypted);
+        System.out.println("身份证加密测试通过: " + plainText + " -> " + encrypted + " -> " + decrypted);
+    }
+
+    @Test
+    void testEncryptAndDecryptChinese() {
+        String plainText = "张三丰";
+        
+        String encrypted = AESUtils.encrypt(plainText);
+        String decrypted = AESUtils.decrypt(encrypted);
+        
+        assertEquals(plainText, decrypted);
+        System.out.println("中文加密测试通过: " + plainText + " -> " + encrypted + " -> " + decrypted);
+    }
+
+    @Test
+    void testEncryptAndDecryptLongText() {
+        StringBuilder sb = new StringBuilder();
+        for (int i = 0; i < 1000; i++) {
+            sb.append("测试数据");
+        }
+        String plainText = sb.toString();
+        
+        String encrypted = AESUtils.encrypt(plainText);
+        String decrypted = AESUtils.decrypt(encrypted);
+        
+        assertEquals(plainText, decrypted);
+        System.out.println("长文本加密测试通过, 明文长度: " + plainText.length() + ", 密文长度: " + encrypted.length());
+    }
+
+    @Test
+    void testMaskPhone() {
+        // 正常手机号(11位)
+        assertEquals("138****8000", AESUtils.maskPhone("13800138000"));
+        
+        // 短号码(小于7位)不脱敏
+        assertEquals("123456", AESUtils.maskPhone("123456"));
+        
+        // null
+        assertNull(AESUtils.maskPhone(null));
+        
+        // 7位号码(前3位+****+后4位)
+        assertEquals("123****4567", AESUtils.maskPhone("1234567"));
+        
+        System.out.println("手机号脱敏测试通过: 13800138000 -> " + AESUtils.maskPhone("13800138000"));
+    }
+
+    @Test
+    void testMaskIdCard() {
+        // 正常身份证号(18位)
+        assertEquals("320***********1234", AESUtils.maskIdCard("320123199001011234"));
+        
+        // 短号码(小于8位)直接返回原值
+        assertEquals("1234567", AESUtils.maskIdCard("1234567"));
+        
+        // null
+        assertNull(AESUtils.maskIdCard(null));
+        
+        System.out.println("身份证脱敏测试通过: 320123199001011234 -> " + AESUtils.maskIdCard("320123199001011234"));
+    }
+
+    @Test
+    void testMaskBankCard() {
+        // 正常银行卡号
+        assertEquals("6222****1234", AESUtils.maskBankCard("62220212345678901234"));
+        
+        // 短卡号(小于8位)直接返回原值
+        assertEquals("1234567", AESUtils.maskBankCard("1234567"));
+        
+        // null
+        assertNull(AESUtils.maskBankCard(null));
+        
+        // 8位卡号(前4位+****+后4位)
+        assertEquals("1234****5678", AESUtils.maskBankCard("12345678"));
+        
+        System.out.println("银行卡脱敏测试通过: 62220212345678901234 -> " + AESUtils.maskBankCard("62220212345678901234"));
+    }
+
+    @Test
+    void testDecryptWithWrongKey() {
+        String plainText = "敏感数据";
+        String key1 = AESUtils.generateKey();
+        String key2 = AESUtils.generateKey();
+        
+        String encrypted = AESUtils.encrypt(plainText, key1);
+        
+        // 使用错误的密钥解密应该失败
+        assertThrows(RuntimeException.class, () -> {
+            AESUtils.decrypt(encrypted, key2);
+        });
+        
+        System.out.println("错误密钥解密测试通过: 使用错误密钥解密时抛出异常");
+    }
+
+    @Test
+    void testMultipleEncryptionsAreDifferent() {
+        String plainText = "相同的数据";
+        
+        // 多次加密同一明文，密文应该不同(因为使用了随机IV)
+        String encrypted1 = AESUtils.encrypt(plainText);
+        String encrypted2 = AESUtils.encrypt(plainText);
+        String encrypted3 = AESUtils.encrypt(plainText);
+        
+        assertNotEquals(encrypted1, encrypted2);
+        assertNotEquals(encrypted2, encrypted3);
+        
+        // 但都能正确解密
+        assertEquals(plainText, AESUtils.decrypt(encrypted1));
+        assertEquals(plainText, AESUtils.decrypt(encrypted2));
+        assertEquals(plainText, AESUtils.decrypt(encrypted3));
+        
+        System.out.println("多次加密生成不同密文测试通过");
+    }
+}
diff --git a/fund-gateway/pom.xml b/fund-gateway/pom.xml
index cfeac27..9a72224 100644
--- a/fund-gateway/pom.xml
+++ b/fund-gateway/pom.xml
@@ -59,6 +59,16 @@
             <groupId>org.springframework.boot</groupId>
             <artifactId>spring-boot-starter-data-redis-reactive</artifactId>
         </dependency>
+
+        <!-- Sentinel 熔断降级 -->
+        <dependency>
+            <groupId>com.alibaba.cloud</groupId>
+            <artifactId>spring-cloud-starter-alibaba-sentinel</artifactId>
+        </dependency>
+        <dependency>
+            <groupId>com.alibaba.cloud</groupId>
+            <artifactId>spring-cloud-alibaba-sentinel-gateway</artifactId>
+        </dependency>
     </dependencies>
 
     <build>
diff --git a/fund-gateway/src/main/java/com/fundplatform/gateway/config/SentinelConfig.java b/fund-gateway/src/main/java/com/fundplatform/gateway/config/SentinelConfig.java
new file mode 100644
index 0000000..0c897d5
--- /dev/null
+++ b/fund-gateway/src/main/java/com/fundplatform/gateway/config/SentinelConfig.java
@@ -0,0 +1,47 @@
+package com.fundplatform.gateway.config;
+
+import com.alibaba.csp.sentinel.adapter.gateway.sc.callback.GatewayCallbackManager;
+import com.fasterxml.jackson.core.JsonProcessingException;
+import com.fasterxml.jackson.databind.ObjectMapper;
+import jakarta.annotation.PostConstruct;
+import org.springframework.context.annotation.Configuration;
+import org.springframework.http.HttpStatus;
+import org.springframework.http.MediaType;
+import org.springframework.web.reactive.function.server.ServerResponse;
+import reactor.core.publisher.Mono;
+
+import java.util.HashMap;
+import java.util.Map;
+
+/**
+ * Sentinel 熔断降级配置
+ */
+@Configuration
+public class SentinelConfig {
+
+    private final ObjectMapper objectMapper = new ObjectMapper();
+
+    @PostConstruct
+    public void init() {
+        // 自定义熔断降级响应
+        GatewayCallbackManager.setBlockHandler((exchange, t) -> {
+            Map<String, Object> result = new HashMap<>();
+            result.put("code", 429);
+            result.put("message", "服务繁忙，请稍后重试");
+            result.put("success", false);
+            result.put("data", null);
+            
+            String body;
+            try {
+                body = objectMapper.writeValueAsString(result);
+            } catch (JsonProcessingException e) {
+                body = "{\"code\":429,\"message\":\"服务繁忙，请稍后重试\",\"success\":false}";
+            }
+            
+            return ServerResponse
+                    .status(HttpStatus.TOO_MANY_REQUESTS)
+                    .contentType(MediaType.APPLICATION_JSON)
+                    .bodyValue(body);
+        });
+    }
+}
diff --git a/fund-gateway/src/main/java/com/fundplatform/gateway/config/SentinelRuleConfig.java b/fund-gateway/src/main/java/com/fundplatform/gateway/config/SentinelRuleConfig.java
new file mode 100644
index 0000000..dbc4b8e
--- /dev/null
+++ b/fund-gateway/src/main/java/com/fundplatform/gateway/config/SentinelRuleConfig.java
@@ -0,0 +1,66 @@
+package com.fundplatform.gateway.config;
+
+import com.alibaba.csp.sentinel.adapter.gateway.common.rule.GatewayFlowRule;
+import com.alibaba.csp.sentinel.adapter.gateway.common.rule.GatewayRuleManager;
+import com.alibaba.csp.sentinel.adapter.gateway.sc.SentinelGatewayFilter;
+import jakarta.annotation.PostConstruct;
+import org.springframework.cloud.gateway.filter.GlobalFilter;
+import org.springframework.context.annotation.Bean;
+import org.springframework.context.annotation.Configuration;
+import org.springframework.core.Ordered;
+import org.springframework.core.annotation.Order;
+
+import java.util.HashSet;
+import java.util.Set;
+
+/**
+ * Sentinel 网关流控规则配置
+ */
+@Configuration
+public class SentinelRuleConfig {
+
+    @PostConstruct
+    public void initRules() {
+        Set<GatewayFlowRule> rules = new HashSet<>();
+        
+        // fund-sys服务流控规则
+        rules.add(new GatewayFlowRule("fund-sys")
+                .setCount(100)  // QPS阈值
+                .setIntervalSec(1)  // 统计窗口
+                .setBurst(20)  // 应对突发请求额外容量
+        );
+        
+        // fund-req服务流控规则
+        rules.add(new GatewayFlowRule("fund-req")
+                .setCount(50)
+                .setIntervalSec(1)
+                .setBurst(10)
+        );
+        
+        // fund-exp服务流控规则
+        rules.add(new GatewayFlowRule("fund-exp")
+                .setCount(50)
+                .setIntervalSec(1)
+                .setBurst(10)
+        );
+        
+        // fund-receipt服务流控规则
+        rules.add(new GatewayFlowRule("fund-receipt")
+                .setCount(50)
+                .setIntervalSec(1)
+                .setBurst(10)
+        );
+        
+        // 加载规则
+        GatewayRuleManager.loadRules(rules);
+    }
+
+    /**
+     * Sentinel Gateway 过滤器
+     */
+    @Bean
+    @Order(Ordered.HIGHEST_PRECEDENCE)
+    public GlobalFilter sentinelGatewayFilter() {
+        return new SentinelGatewayFilter();
+    }
+}
diff --git a/fund-gateway/src/main/resources/application.yml b/fund-gateway/src/main/resources/application.yml
index 39a60cf..aaea386 100644
--- a/fund-gateway/src/main/resources/application.yml
+++ b/fund-gateway/src/main/resources/application.yml
@@ -16,6 +16,22 @@ spring:
   cloud:
     compatibility-verifier:
       enabled: false
+    
+    # Sentinel配置
+    sentinel:
+      transport:
+        dashboard: localhost:8080  # Sentinel Dashboard地址(可选)
+        port: 8719  # Sentinel客户端端口
+      eager: true  # 服务启动时立即初始化
+      datasource:
+        # 从Nacos读取规则(可选)
+        # ds1:
+        #   nacos:
+        #     server-addr: localhost:8848
+        #     data-id: sentinel-gateway-rules
+        #     group-id: DEFAULT_GROUP
+        #     rule-type: gw-flow
+    
     gateway:
       # 默认限流配置
       default-filters:
diff --git a/fund-sys/src/main/java/com/fundplatform/sys/config/HikariMonitorConfig.java b/fund-sys/src/main/java/com/fundplatform/sys/config/HikariMonitorConfig.java
new file mode 100644
index 0000000..8e69d11
--- /dev/null
+++ b/fund-sys/src/main/java/com/fundplatform/sys/config/HikariMonitorConfig.java
@@ -0,0 +1,45 @@
+package com.fundplatform.sys.config;
+
+import com.zaxxer.hikari.HikariConfigMXBean;
+import com.zaxxer.hikari.HikariDataSource;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.context.annotation.Configuration;
+import org.springframework.scheduling.annotation.EnableScheduling;
+import org.springframework.scheduling.annotation.Scheduled;
+
+import javax.sql.DataSource;
+import java.util.concurrent.TimeUnit;
+
+/**
+ * HikariCP 连接池监控配置
+ */
+@Configuration
+@EnableScheduling
+public class HikariMonitorConfig {
+
+    private static final Logger log = LoggerFactory.getLogger(HikariMonitorConfig.class);
+
+    @Autowired
+    private DataSource dataSource;
+
+    /**
+     * 每5分钟打印一次连接池状态
+     */
+    @Scheduled(fixedRate = 5, timeUnit = TimeUnit.MINUTES)
+    public void monitorHikariPool() {
+        if (dataSource instanceof HikariDataSource) {
+            HikariDataSource hikariDataSource = (HikariDataSource) dataSource;
+            HikariConfigMXBean config = hikariDataSource.getHikariConfigMXBean();
+            
+            log.info("=== HikariCP 连接池状态 ===");
+            log.info("连接池名称: {}", config.getPoolName());
+            log.info("活跃连接数: {}", hikariDataSource.getHikariPoolMXBean().getActiveConnections());
+            log.info("空闲连接数: {}", hikariDataSource.getHikariPoolMXBean().getIdleConnections());
+            log.info("等待获取连接的线程数: {}", hikariDataSource.getHikariPoolMXBean().getThreadsAwaitingConnection());
+            log.info("最大连接数: {}", config.getMaximumPoolSize());
+            log.info("最小空闲连接数: {}", config.getMinimumIdle());
+        }
+    }
+}
diff --git a/fund-sys/src/main/resources/application.yml b/fund-sys/src/main/resources/application.yml
index 2ce6595..6081bff 100644
--- a/fund-sys/src/main/resources/application.yml
+++ b/fund-sys/src/main/resources/application.yml
@@ -18,9 +18,20 @@ spring:
     username: root
     password: zjf@123456
     hikari:
-      maximum-pool-size: 10
-      minimum-idle: 5
-      connection-timeout: 30000
+      # 连接池大小配置
+      maximum-pool-size: 20              # 最大连接数(建议: CPU核心数*2 + 有效磁盘数)
+      minimum-idle: 5                    # 最小空闲连接数
+      # 连接超时配置
+      connection-timeout: 30000          # 连接超时时间(毫秒)
+      idle-timeout: 600000               # 空闲连接超时时间(10分钟)
+      max-lifetime: 1800000              # 连接最大存活时间(30分钟)
+      # 连接验证配置
+      validation-timeout: 5000           # 连接验证超时时间
+      leak-detection-threshold: 60000    # 连接泄露检测阈值(60秒)
+      # 连接池名称
+      pool-name: FundSysHikariPool
+      # 连接初始化SQL
+      connection-init-sql: SELECT 1
 
   # Redis配置
   data: