diff --git a/docs/digest-candidates-wiring.zh-CN.md b/docs/digest-candidates-wiring.zh-CN.md
index 1fa7459a..aa37ba38 100644
--- a/docs/digest-candidates-wiring.zh-CN.md
+++ b/docs/digest-candidates-wiring.zh-CN.md
@@ -10,6 +10,9 @@
 
 GitHub workflow 成功结论只是**存在性**辅助证据；成交/订单数未知时必须显示「未知」，不得写成 0。
 
+IBKR 的 USD 期末已结算现金从各账户的私有 Flex 摘要对象读取。日报核对账户、目标与报表日期，
+并显示实际报表日期。现金摘要缺失时显示未知，交易和成交覆盖仍按原候选记录计算。
+
 ## JSON Schema 归档
 
 正式合同文件：[`schemas/qsl-digest-candidates.v1.schema.json`](../schemas/qsl-digest-candidates.v1.schema.json)（`schema_version` = `qsl.digest_candidates.v1`）。本文件示例与平台 producer 文档必须与该 schema 对齐；未知成交数保持 `null` + `field_status.counts_unknown`。
diff --git a/python/scripts/account_daily_digest.py b/python/scripts/account_daily_digest.py
index a6bfc2a0..253b50ac 100644
--- a/python/scripts/account_daily_digest.py
+++ b/python/scripts/account_daily_digest.py
@@ -303,6 +303,11 @@ def strategy_for(record):
         asset_line = ('💰 总资产：' if zh else '💰 Total assets: ') + equity
         if stamp_label:
             asset_line += ' · ' + stamp_label
+        cash_lines = []
+        if platform == 'ibkr':
+            cash = account_fact.get('settled_cash')
+            value = f"USD {Decimal(cash['amount']):,f} · {cash['statement_date']}" if cash else unknown
+            cash_lines.append(('期末已结算现金：' if zh else 'Period-end settled cash: ') + value)
         holding_label = '📦 持仓：' if zh else '📦 Holdings: '
         if not holdings:
             holding_label += ('空仓' if zh else 'No holdings') if complete else unknown
@@ -363,7 +368,7 @@ def strategy_for(record):
             state = '⚠️ 昨日交易情况未确认' if zh else '⚠️ Trading activity unconfirmed'
         if not full_scope and any(count is not None for count in counts.values()):
             state += '（已核验策略范围）' if zh else ' (verified strategy scope)'
-        blocks.append((header, [state, ('｜' if zh else ' | ').join(count_lines), filled_orders, asset_line, holding_label],
+        blocks.append((header, [state, ('｜' if zh else ' | ').join(count_lines), filled_orders, asset_line, *cash_lines, holding_label],
                        details, holding_lines))
     lines = [('📊 昨日账户日报｜' if zh else '📊 Daily account report | ') + payload.business_day,
              '🕒 ' + _window_text(payload.business_day, locale)]
diff --git a/python/scripts/cloud_run_daily_digest.py b/python/scripts/cloud_run_daily_digest.py
index c08850cd..6790053e 100644
--- a/python/scripts/cloud_run_daily_digest.py
+++ b/python/scripts/cloud_run_daily_digest.py
@@ -252,9 +252,43 @@ def _sources(configuration, store, day, end, *, now, monotonic):
             except (ValueError, TypeError, KeyError, AttributeError):
                 outcome = 'invalid'
         outcomes.append(outcome)
+    for binding in configuration.expected:
+        if binding['platform_id'] != 'ibkr':
+            continue
+        timeout = min(20, budget_end - monotonic(), (end - now()).total_seconds())
+        if timeout <= 0:
+            break
+        try:
+            cash = store.candidate(f"ibkr/flex-cash/{binding['candidate_slot']}.json", timeout)
+            if cash is not None:
+                stale_observations.append(_ibkr_settled_cash(cash, binding, day))
+        except (StoreUnavailable, ValueError, TypeError, KeyError, AttributeError):
+            continue
     return rows, outcomes, stale_observations
 
 
+@dataclass(frozen=True)
+class _SettledCashObservation:
+    account_uid: str
+    amount: str
+    statement_date: str
+
+
+def _ibkr_settled_cash(raw, binding, day):
+    if (not isinstance(raw, dict)
+            or set(raw) != {'schema_version', 'target_id', 'opaque_account_uid', 'statement_date', 'currency', 'amount'}
+            or raw['schema_version'] != 'ibkr_digest_settled_cash.v1'
+            or raw['currency'] != 'USD'
+            or any(raw[name] != binding[name] for name in ('target_id', 'opaque_account_uid'))
+            or not isinstance(raw['amount'], str) or len(raw['amount']) > 64
+            or not re.fullmatch(r'-?[0-9]+(?:\.[0-9]+)?', raw['amount'])):
+        raise ValueError('digest_ibkr_settled_cash_invalid')
+    statement_day = date.fromisoformat(raw['statement_date']).isoformat()
+    if statement_day != raw['statement_date'] or statement_day > day:
+        raise ValueError('digest_ibkr_settled_cash_date_invalid')
+    return _SettledCashObservation(binding['opaque_account_uid'], raw['amount'], statement_day)
+
+
 def _report(configuration, rows, outcomes, day, platform_config, *, stale_observations=()):
     config = deepcopy(platform_config or aggregator.load_platform_config())
     config['notifications']['quant_sentinel']['daily_digest'].setdefault('aggregator', {})['expected_targets'] = configuration.expected
@@ -273,6 +307,11 @@ def _report(configuration, rows, outcomes, day, platform_config, *, stale_observ
     covered = sum(value in {'present', 'not_run', 'snapshot_only'} for value in outcomes)
     coverage = 'complete' if covered == len(outcomes) else 'partial' if covered else 'unavailable'
     facts = collect_account_facts([*rows, *stale_observations], configuration.expected, day)
+    for observation in stale_observations:
+        if isinstance(observation, _SettledCashObservation):
+            facts['ibkr', observation.account_uid]['settled_cash'] = {
+                'amount': observation.amount, 'statement_date': observation.statement_date,
+            }
     if coverage == 'complete' and (payload.notification_summary or {}).get('counts_unknown'):
         coverage = 'partial'
     platforms = dict.fromkeys((*adapter.PLATFORMS, *config.get('platforms', {})))
diff --git a/python/tests/test_cloud_run_daily_digest.py b/python/tests/test_cloud_run_daily_digest.py
index aa8145fb..e912af34 100644
--- a/python/tests/test_cloud_run_daily_digest.py
+++ b/python/tests/test_cloud_run_daily_digest.py
@@ -220,7 +220,7 @@ def test_account_snapshot_keeps_independently_verified_fields(self):
                 for part in excluded:
                     self.assertNotIn(part, self.sent[0])
 
-    def test_ibkr_account_report_uses_only_the_existing_candidate(self):
+    def test_ibkr_account_report_reads_cash_without_changing_run_coverage(self):
         from dataclasses import replace
         binding = {**EXPECTED[0], 'platform_id': 'ibkr'}
         configuration = replace(self.enable(), expected=[binding])
@@ -231,11 +231,15 @@ def test_ibkr_account_report_uses_only_the_existing_candidate(self):
         row = {**ROW, 'platform_id': 'ibkr', 'fill_count': None,
                'account_daily_facts': {'snapshots': [snapshot]}}
         row.pop('notification_event')
-        self.store = MemoryStore({key: {'runs': [row]}})
+        cash_key = f"ibkr/flex-cash/{binding['candidate_slot']}.json"
+        cash = {'schema_version': 'ibkr_digest_settled_cash.v1', 'currency': 'USD', 'amount': '0.00',
+                'statement_date': '2026-10-14', 'target_id': binding['target_id'],
+                'opaque_account_uid': binding['opaque_account_uid']}
+        self.store = MemoryStore({key: {'runs': [row]}, cash_key: cash})
         read = self.store.candidate
 
         def ordinary_candidate(requested, timeout):
-            self.assertEqual(requested, key)
+            self.assertIn(requested, (key, cash_key))
             return read(requested, timeout)
 
         self.store.candidate = ordinary_candidate
@@ -247,10 +251,21 @@ def ordinary_candidate(requested, timeout):
         self.assertEqual(self.run_request(configuration=configuration, headers=headers)[1]['delivery'], 'confirmed')
         self.assertEqual(len(self.sent), 1)
         self.assertIn('总资产：USD 250.00', self.sent[0])
+        self.assertIn('期末已结算现金：USD 0.00 · 2026-10-14', self.sent[0])
         self.assertIn('TQQQ 3股', self.sent[0])
         self.assertIn('成交回报 未知', self.sent[0])
         self.assertNotIn('成交回报 0笔', self.sent[0])
 
+    def test_ibkr_cash_rejects_wrong_identity_future_date_and_non_decimal(self):
+        binding = {**EXPECTED[0], 'platform_id': 'ibkr'}
+        cash = {'schema_version': 'ibkr_digest_settled_cash.v1', 'currency': 'USD', 'amount': '-12.34',
+                'statement_date': '2026-10-15', 'target_id': binding['target_id'],
+                'opaque_account_uid': binding['opaque_account_uid']}
+        for change in ({'opaque_account_uid': 'different'}, {'target_id': 'different'},
+                       {'statement_date': '2026-10-16'}, {'amount': '1e4'}, {'currency': 'HKD'}):
+            with self.subTest(change=change), self.assertRaises(ValueError):
+                app._ibkr_settled_cash({**cash, **change}, binding, '2026-10-15')
+
     def test_locale_variants_are_normalized_at_the_production_boundary(self):
         from dataclasses import replace
         for locale, expected in (("zh", "zh"), ("zh-CN", "zh"), (" ZH_hans ", "zh"),