diff --git a/backend/app/commands/seed/seed.go b/backend/app/commands/seed/seed.go
index 964e534..5553e9e 100644
--- a/backend/app/commands/seed/seed.go
+++ b/backend/app/commands/seed/seed.go
@@ -119,6 +119,15 @@ func Serve(cmd *cobra.Command, args []string) error {
 		if err := models.TenantUserQuery.WithContext(ctx).Create(member); err != nil {
 			fmt.Printf("Create tenant member failed: %v\n", err)
 		}
+		adminMember := &models.TenantUser{
+			TenantID: tenant.ID,
+			UserID:   creator.ID,
+			Role:     types.Array[consts.TenantUserRole]{consts.TenantUserRoleTenantAdmin},
+			Status:   consts.UserStatusVerified,
+		}
+		if err := models.TenantUserQuery.WithContext(ctx).Create(adminMember); err != nil {
+			fmt.Printf("Create tenant admin failed: %v\n", err)
+		}
 
 		// 3. Contents
 		titles := []string{
@@ -222,6 +231,14 @@ func Serve(cmd *cobra.Command, args []string) error {
 				AmountPaid:     990,
 				IdempotencyKey: uuid.NewString(),
 				PaidAt:         time.Now().Add(-2 * time.Hour),
+				IsFlagged:      true,
+				FlagReason:     "seed risk",
+				FlaggedBy:      superAdmin.ID,
+				FlaggedAt:      time.Now().Add(-1 * time.Hour),
+				IsReconciled:   true,
+				ReconcileNote:  "seed reconcile",
+				ReconciledBy:   superAdmin.ID,
+				ReconciledAt:   time.Now().Add(-30 * time.Minute),
 			}
 			if err := models.OrderQuery.WithContext(ctx).Create(order); err != nil {
 				fmt.Printf("Create order failed: %v\n", err)
@@ -242,6 +259,102 @@ func Serve(cmd *cobra.Command, args []string) error {
 					Status:    consts.ContentAccessStatusActive,
 				})
 			}
+
+			refundOrder := &models.Order{
+				TenantID:       tenant.ID,
+				UserID:         buyer.ID,
+				Type:           consts.OrderTypeContentPurchase,
+				Status:         consts.OrderStatusRefunded,
+				Currency:       consts.CurrencyCNY,
+				AmountOriginal: 1200,
+				AmountDiscount: 0,
+				AmountPaid:     1200,
+				IdempotencyKey: uuid.NewString(),
+				PaidAt:         time.Now().Add(-6 * time.Hour),
+				RefundedAt:     time.Now().Add(-2 * time.Hour),
+			}
+			if err := models.OrderQuery.WithContext(ctx).Create(refundOrder); err != nil {
+				fmt.Printf("Create refund order failed: %v\n", err)
+			}
+
+			missingPaid := &models.Order{
+				TenantID:       tenant.ID,
+				UserID:         buyer.ID,
+				Type:           consts.OrderTypeContentPurchase,
+				Status:         consts.OrderStatusPaid,
+				Currency:       consts.CurrencyCNY,
+				AmountOriginal: 1500,
+				AmountDiscount: 0,
+				AmountPaid:     1500,
+				IdempotencyKey: uuid.NewString(),
+			}
+			if err := models.OrderQuery.WithContext(ctx).Create(missingPaid); err != nil {
+				fmt.Printf("Create missing paid order failed: %v\n", err)
+			}
+
+			missingRefund := &models.Order{
+				TenantID:       tenant.ID,
+				UserID:         buyer.ID,
+				Type:           consts.OrderTypeContentPurchase,
+				Status:         consts.OrderStatusRefunded,
+				Currency:       consts.CurrencyCNY,
+				AmountOriginal: 800,
+				AmountDiscount: 0,
+				AmountPaid:     800,
+				IdempotencyKey: uuid.NewString(),
+				PaidAt:         time.Now().Add(-8 * time.Hour),
+			}
+			if err := models.OrderQuery.WithContext(ctx).Create(missingRefund); err != nil {
+				fmt.Printf("Create missing refund order failed: %v\n", err)
+			}
+
+			withdrawOrder := &models.Order{
+				TenantID:       tenant.ID,
+				UserID:         creator.ID,
+				Type:           consts.OrderTypeWithdrawal,
+				Status:         consts.OrderStatusCreated,
+				Currency:       consts.CurrencyCNY,
+				AmountOriginal: 300,
+				AmountDiscount: 0,
+				AmountPaid:     300,
+				IdempotencyKey: uuid.NewString(),
+				CreatedAt:      time.Now().Add(-4 * time.Hour),
+			}
+			if err := models.OrderQuery.WithContext(ctx).Create(withdrawOrder); err != nil {
+				fmt.Printf("Create withdrawal order failed: %v\n", err)
+			}
+
+			withdrawApproved := &models.Order{
+				TenantID:       tenant.ID,
+				UserID:         creator.ID,
+				Type:           consts.OrderTypeWithdrawal,
+				Status:         consts.OrderStatusPaid,
+				Currency:       consts.CurrencyCNY,
+				AmountOriginal: 500,
+				AmountDiscount: 0,
+				AmountPaid:     500,
+				IdempotencyKey: uuid.NewString(),
+				PaidAt:         time.Now().Add(-3 * time.Hour),
+			}
+			if err := models.OrderQuery.WithContext(ctx).Create(withdrawApproved); err != nil {
+				fmt.Printf("Create approved withdrawal failed: %v\n", err)
+			}
+
+			withdrawRejected := &models.Order{
+				TenantID:       tenant.ID,
+				UserID:         creator.ID,
+				Type:           consts.OrderTypeWithdrawal,
+				Status:         consts.OrderStatusFailed,
+				Currency:       consts.CurrencyCNY,
+				AmountOriginal: 200,
+				AmountDiscount: 0,
+				AmountPaid:     200,
+				IdempotencyKey: uuid.NewString(),
+				UpdatedAt:      time.Now().Add(-1 * time.Hour),
+			}
+			if err := models.OrderQuery.WithContext(ctx).Create(withdrawRejected); err != nil {
+				fmt.Printf("Create rejected withdrawal failed: %v\n", err)
+			}
 		}
 
 		// 6. Creator join request & invite
@@ -251,6 +364,15 @@ func Serve(cmd *cobra.Command, args []string) error {
 			Status:   "pending",
 			Reason:   "申请加入租户用于创作",
 		})
+		models.TenantJoinRequestQuery.WithContext(ctx).Create(&models.TenantJoinRequest{
+			TenantID:              tenant.ID,
+			UserID:                buyer.ID,
+			Status:                "approved",
+			Reason:                "已通过审核",
+			DecidedAt:             time.Now().Add(-1 * time.Hour),
+			DecidedOperatorUserID: creator.ID,
+			DecidedReason:         "符合要求",
+		})
 		models.TenantInviteQuery.WithContext(ctx).Create(&models.TenantInvite{
 			TenantID:  tenant.ID,
 			UserID:    creator.ID,
@@ -287,6 +409,14 @@ func Serve(cmd *cobra.Command, args []string) error {
 			Content:  "您提交的内容已通过审核。",
 			IsActive: true,
 		})
+		models.NotificationTemplateQuery.WithContext(ctx).Create(&models.NotificationTemplate{
+			TenantID: 0,
+			Name:     "互动提醒",
+			Type:     consts.NotificationTypeInteraction,
+			Title:    "有人点赞了你",
+			Content:  "有用户对你的内容进行了点赞。",
+			IsActive: true,
+		})
 
 		// 8. System config
 		models.SystemConfigQuery.WithContext(ctx).Create(&models.SystemConfig{
@@ -294,6 +424,11 @@ func Serve(cmd *cobra.Command, args []string) error {
 			Value:       types.JSON([]byte(`{"value":"曲韵平台"}`)),
 			Description: "站点名称",
 		})
+		models.SystemConfigQuery.WithContext(ctx).Create(&models.SystemConfig{
+			ConfigKey:   "support_email",
+			Value:       types.JSON([]byte(`{"value":"support@quyun.example"}`)),
+			Description: "客服邮箱",
+		})
 
 		// 9. Audit log
 		models.AuditLogQuery.WithContext(ctx).Create(&models.AuditLog{
@@ -316,7 +451,7 @@ func Serve(cmd *cobra.Command, args []string) error {
 			})
 		}
 
-		// 11. Comments
+		// 11. Comments & interactions
 		if len(seededContents) > 0 {
 			models.CommentQuery.WithContext(ctx).Create(&models.Comment{
 				TenantID:  tenant.ID,
@@ -325,6 +460,80 @@ func Serve(cmd *cobra.Command, args []string) error {
 				Content:   "好喜欢这段演出！",
 				Likes:     1,
 			})
+			models.UserContentActionQuery.WithContext(ctx).Create(&models.UserContentAction{
+				UserID:    buyer.ID,
+				ContentID: seededContents[0].ID,
+				Type:      "like",
+			})
+			models.UserContentActionQuery.WithContext(ctx).Create(&models.UserContentAction{
+				UserID:    buyer.ID,
+				ContentID: seededContents[0].ID,
+				Type:      "favorite",
+			})
+			media := &models.MediaAsset{
+				TenantID:  tenant.ID,
+				UserID:    creator.ID,
+				Type:      consts.MediaAssetTypeVideo,
+				Status:    consts.MediaAssetStatusReady,
+				Provider:  "mock",
+				ObjectKey: "seed/video-demo.mp4",
+				Meta: types.NewJSONType(fields.MediaAssetMeta{
+					Size: 2048,
+				}),
+			}
+			models.MediaAssetQuery.WithContext(ctx).Create(media)
+			models.ContentAssetQuery.WithContext(ctx).Create(&models.ContentAsset{
+				TenantID:  tenant.ID,
+				UserID:    creator.ID,
+				ContentID: seededContents[0].ID,
+				AssetID:   media.ID,
+				Role:      consts.ContentAssetRoleMain,
+			})
+		}
+
+		// 12. Ledger & payout account
+		models.TenantLedgerQuery.WithContext(ctx).Create(&models.TenantLedger{
+			TenantID:       tenant.ID,
+			UserID:         creator.ID,
+			OrderID:        0,
+			Type:           consts.TenantLedgerTypeDebitPurchase,
+			Amount:         990,
+			BalanceBefore:  0,
+			BalanceAfter:   990,
+			FrozenBefore:   0,
+			FrozenAfter:    0,
+			IdempotencyKey: uuid.NewString(),
+			Remark:         "内容销售收入",
+			OperatorUserID: creator.ID,
+			BizRefType:     "order",
+			BizRefID:       0,
+		})
+		models.PayoutAccountQuery.WithContext(ctx).Create(&models.PayoutAccount{
+			TenantID:     tenant.ID,
+			UserID:       creator.ID,
+			Type:         consts.PayoutAccountTypeAlipay,
+			Name:         "支付宝",
+			Account:      "creator@example.com",
+			Realname:     "梅派传人小林",
+			Status:       consts.PayoutAccountStatusApproved,
+			ReviewedBy:   superAdmin.ID,
+			ReviewedAt:   time.Now().Add(-1 * time.Hour),
+			ReviewReason: "seed approved",
+		})
+
+		// 13. Balance anomaly user
+		negativeUser := &models.User{
+			Username:      "negative",
+			Phone:         "13800009998",
+			Nickname:      "负余额用户",
+			Avatar:        "https://api.dicebear.com/7.x/avataaars/svg?seed=Negative",
+			Balance:       -100,
+			BalanceFrozen: -10,
+			Status:        consts.UserStatusVerified,
+			Roles:         types.Array[consts.Role]{consts.RoleUser},
+		}
+		if err := models.UserQuery.WithContext(ctx).Create(negativeUser); err != nil {
+			fmt.Printf("Create negative user failed: %v\n", err)
 		}
 
 		fmt.Println("Seed done.")
diff --git a/docs/plan.md b/docs/plan.md
index cd2ab2e..0731d16 100644
--- a/docs/plan.md
+++ b/docs/plan.md
@@ -1,13 +1,13 @@
-# Implementation Plan: Staging Seed Data
+# Implementation Plan: Staging Seed Full Coverage
 
 **Branch**: `main` | **Date**: 2026-01-26 | **Spec**: `docs/staging_smoke_test.md`
-**Input**: staging 冒烟测试需要快速准备基础数据。
+**Input**: 全覆盖冒烟测试需要补齐 seed 数据。
 
 **Note**: 本计划遵循 `docs/templates/plan-template.md`。
 
 ## Summary
 
-扩展 Go seed 命令，生成 staging 冒烟测试所需的最小数据集（租户、用户、超管、内容、订单、优惠券、通知等），确保前后台关键页面可快速验证。
+扩展 seed 数据覆盖冒烟测试未覆盖项：上传素材、交互记录、创作者流程完成态、财务账本/异常、退款/对账样例，并复核冒烟清单是否仍有缺口。
 
 ## Technical Context
 
@@ -15,16 +15,16 @@
 **Primary Dependencies**: Fiber, GORM-Gen
 **Storage**: PostgreSQL + Redis
 **Testing**: `go test ./...`
-**Target Platform**: Linux server (staging)
-**Project Type**: Web application (backend + frontend)
+**Target Platform**: staging
+**Project Type**: Web application
 **Performance Goals**: N/A
-**Constraints**: 不修改生成文件，Service/Controller 规范保持不变
-**Scale/Scope**: 最小可用冒烟数据
+**Constraints**: 不改生成文件；seed 逻辑仅在 `backend/app/commands/seed/seed.go`。
+**Scale/Scope**: 覆盖冒烟清单全场景
 
 ## Constitution Check
 
-- 遵循 `backend/llm.txt` 规则（不改生成文件、中文注释、服务层规范）。
-- seed 逻辑仅在 `backend/app/commands/seed/seed.go` 修改。
+- 遵循 `backend/llm.txt`。
+- 只改非生成文件。
 
 ## Project Structure
 
@@ -42,35 +42,35 @@ backend/
 └── app/commands/seed/seed.go
 ```
 
-**Structure Decision**: 使用现有 seed 命令注入 staging 数据。
+**Structure Decision**: 继续扩展 seed 命令。
 
 ## Plan Phases
 
-### Phase 1: 数据范围确认
-- 明确需覆盖的冒烟用例与最小数据集。
+### Phase 1: 缺口确认
+- 对照冒烟清单明确缺失数据类型。
 
-### Phase 2: Seed 扩展实现
-- 增加超管用户、租户成员、订单与内容访问等基础数据。
-- 确保幂等运行（重复执行不报错）。
+### Phase 2: Seed 扩展
+- 添加交互记录、退款/对账样例、财务账本、异常/风控数据、创作者完成态、上传素材。
 
-### Phase 3: 文档与验证
-- 记录 seed 运行方式与输出数据说明。
+### Phase 3: 复核
+- 深度复查冒烟清单覆盖率并记录残余缺口。
 
 ## Tasks
 
 **Format**: `[ID] [P?] [Story] Description`
 
-### Phase 1: Foundational
-- [x] T001 [US0] 明确冒烟必需数据项（用户/租户/内容/订单/通知）
+### Phase 1
+- [x] T001 [US0] 标记冒烟缺口（上传/交互/财务/退款/创作者）
 
-### Phase 2: Seed 扩展
-- [x] T010 [US1] 创建超管用户与角色
-- [x] T011 [US1] 创建租户成员与权限关系
-- [x] T012 [US1] 创建订单、订单项、内容访问记录
-- [x] T013 [US1] 创建通知模板/系统通知
+### Phase 2
+- [x] T010 [US1] 创建交互记录（点赞/收藏）
+- [x] T011 [US1] 创建退款/对账样例订单
+- [x] T012 [US1] 创建租户账本/异常数据
+- [x] T013 [US1] 创建创作者审核通过与成员角色
+- [x] T014 [US1] 创建上传素材示例数据
 
-### Phase 3: Docs
-- [x] T020 [US2] 更新 seed 说明文档/输出示例
+### Phase 3
+- [x] T020 [US2] 深度 review 冒烟清单覆盖率
 
 ## Dependencies
 
@@ -78,14 +78,12 @@ backend/
 
 ## Acceptance Criteria
 
-- `go run ./backend/main.go seed` 可成功生成数据。
-- seed 后 staging 冒烟清单主要页面可打开并有数据展示。
-- 重复运行 seed 不产生致命错误。
+- seed 后冒烟清单所有场景具备至少一条数据支撑。
+- 记录残余缺口（如必须手动步骤）。
 
 ## Risks
 
-- 真实 staging 数据冲突（唯一索引）。
-- 订单/访问数据缺失导致部分页面空白。
+- staging 数据冲突导致重复创建失败。
 
 ## Complexity Tracking