diff --git a/wfc-modules/wfc-user/src/main/java/org/wfc/user/service/impl/UAccountServiceImpl.java b/wfc-modules/wfc-user/src/main/java/org/wfc/user/service/impl/UAccountServiceImpl.java
index 1d26fd0..ad9af2d 100644
--- a/wfc-modules/wfc-user/src/main/java/org/wfc/user/service/impl/UAccountServiceImpl.java
+++ b/wfc-modules/wfc-user/src/main/java/org/wfc/user/service/impl/UAccountServiceImpl.java
@@ -246,8 +246,8 @@ public class UAccountServiceImpl extends ServiceImpl<UAccountMapper, UAccount> i
             BeanUtils.copyProperties(account, dashboardVo);
             dashboardVo.setId(loginUser.getUserid());
             dashboardVo.setActivity(0L);
-            BigDecimal balanceUsed = Optional.of(account.getBalanceUsed()).orElse(BigDecimal.ZERO);
-            BigDecimal balance = Optional.of(dashboardVo.getBalance()).orElse(BigDecimal.ZERO);
+            BigDecimal balanceUsed = Optional.ofNullable(account.getBalanceUsed()).orElse(BigDecimal.ZERO);
+            BigDecimal balance = Optional.ofNullable(dashboardVo.getBalance()).orElse(BigDecimal.ZERO);
             if (balance.compareTo(balanceUsed) >= 0) {
                 dashboardVo.setBalance(balance.subtract(balanceUsed));
             } else {
diff --git a/wfc-modules/wfc-user/src/main/java/org/wfc/user/service/impl/UOrderServiceImpl.java b/wfc-modules/wfc-user/src/main/java/org/wfc/user/service/impl/UOrderServiceImpl.java
index 38f3c02..6db857b 100644
--- a/wfc-modules/wfc-user/src/main/java/org/wfc/user/service/impl/UOrderServiceImpl.java
+++ b/wfc-modules/wfc-user/src/main/java/org/wfc/user/service/impl/UOrderServiceImpl.java
@@ -90,7 +90,7 @@ public class UOrderServiceImpl extends ServiceImpl<UOrderMapper, UOrder> impleme
         } else if (OrderTypeEnum.RECHARGE.getCode().equals(order.getType())) {
             // 充值
             // 更新账户余额
-            account.setBalance(order.getOrderAmount().add(Optional.of(account.getBalance()).orElse(BigDecimal.ZERO)));
+            account.setBalance(order.getOrderAmount().add(Optional.ofNullable(account.getBalance()).orElse(BigDecimal.ZERO)));
         }
         account.setId(accountId);
         accountService.saveOrUpdate(account);