diff --git a/scripts/rate_query.py b/scripts/rate_query.py
index 256d941..60c7764 100644
--- a/scripts/rate_query.py
+++ b/scripts/rate_query.py
@@ -4,10 +4,11 @@ import os
 import re
 import subprocess
 import sys
-from datetime import datetime, timezone
+from datetime import datetime, timezone, timedelta
 import requests
 
 CACHE = "/root/.openclaw/workspace/fx_realtime.json"
+REPORT_TZ = timezone(timedelta(hours=8))
 FETCH = "/root/.openclaw/workspace/web_tasks/fx_fetch_real.js"
 PAIRS = {"USD/CNY", "EUR/CNY", "SGD/CNY", "GBP/CNY", "USD/EUR", "GBP/EUR"}
 PAT = re.compile(r'\[\[(20\d{2}),(\d{1,2}),(\d{1,2}),(\d{1,2}),(\d{1,2}),null,null,\[\]\],\[([0-9]+\.[0-9]+),')
@@ -63,23 +64,83 @@ def network_rates(raw, base, quote):
         try: yield "Mastercard", 1/float(data["data"]["data"]["conversionRate"]), data["data"]["data"].get("fxDate", "")
         except Exception: pass
 
+def parse_date(value):
+    if not value:
+        return None
+    for fmt in ("%Y-%m-%d", "%m/%d/%Y", "%Y/%m/%d"):
+        try:
+            return datetime.strptime(value[:10], fmt).date()
+        except ValueError:
+            continue
+    return None
+
+def age_label(date_text):
+    d = parse_date(date_text)
+    if not d:
+        return ""
+    days = (datetime.now(REPORT_TZ).date() - d).days
+    if days <= 0:
+        return "🟢 最新"
+    if days == 1:
+        return "🟢 1天前"
+    if days <= 3:
+        return f"🟠 {days}天前"
+    return f"🔴 {days}天前"
+
+def fmt_date(date_text):
+    d = parse_date(date_text)
+    return d.isoformat() if d else (date_text or "未知日期")
+
 def main():
     if len(sys.argv) != 4: raise SystemExit("usage: rate_query.py AMOUNT BASE QUOTE")
     amount = float(sys.argv[1]); base = sys.argv[2].upper(); quote = sys.argv[3].upper()
     g, gt = google_rate(base, quote)
     raw = ensure_real() if f"{base}/{quote}" in PAIRS or f"{quote}/{base}" in PAIRS else None
     lines = [f"💱 {amount:g} {base} → {quote}", ""]
+    rates = []
     if g is not None:
-        lines += [f"Google   1 {base} = {g:.6f} {quote}", f"         {amount:g} {base} = {amount*g:.2f} {quote}"]
-    else: lines.append("Google   暂时无法获取")
-    seen = set()
+        lines += ["市场参考", f"Google      1 {base} = {g:.6f} {quote}", f"            {amount:g} {base} = {amount*g:.2f} {quote}"]
+        rates.append(("Google", g))
+    else:
+        lines += ["市场参考", "Google      暂时无法获取"]
+
+    network = []
     if raw:
         for name, rate, date in network_rates(raw, base, quote):
-            if name in seen: continue
-            seen.add(name)
-            lines += [f"{name:<12}1 {base} = {rate:.6f} {quote}", f"         {amount:g} {base} = {amount*rate:.2f} {quote}  ({date})"]
-    if not seen: lines.append("Visa/MC  暂无最新官方结算数据")
-    lines += ["", "Google 为参考市场价；Visa/万事达为官方计算器结算汇率。"]
+            if any(n == name for n, _, _ in network):
+                continue
+            network.append((name, rate, date))
+    lines += ["", "卡组织汇率"]
+    if network:
+        for name, rate, date in network:
+            freshness = age_label(date)
+            date_part = f"📅 {fmt_date(date)}"
+            if freshness:
+                date_part += f" · {freshness}"
+            lines += [f"{name:<12}1 {base} = {rate:.6f} {quote}", f"            {amount:g} {base} = {amount*rate:.2f} {quote}", f"            {date_part}"]
+            rates.append((name, rate))
+    else:
+        lines.append("Visa/MC      暂无最新官方结算数据")
+
+    if network and g is not None:
+        lines += ["", "📊 相对 Google"]
+        for name, rate, _ in network:
+            diff = (rate / g - 1.0) * 100.0
+            sign = "+" if diff >= 0 else ""
+            lines.append(f"{name:<12}{sign}{diff:.3f}%")
+        if len(network) >= 1:
+            card_rates = [r for _, r, _ in network]
+            lo, hi = min(card_rates), max(card_rates)
+            if len(card_rates) == 1:
+                lines += ["", f"💳 卡组织参考：{amount*lo:.2f} {quote}"]
+            else:
+                lines += ["", f"💳 卡组织参考区间：{amount*lo:.2f}–{amount*hi:.2f} {quote}"]
+
+        stale = [(n, d) for n, _, d in network if parse_date(d) and (datetime.now(timezone.utc).date() - parse_date(d)).days >= 2]
+        if stale:
+            lines += ["", "⚠️ " + "；".join(f"{n} 数据距今天 {(datetime.now(REPORT_TZ).date()-parse_date(d)).days} 天" for n, d in stale) + "，不要将其视为当前实时市场价。"]
+
+    lines += ["", "Google 为当前市场参考价；Visa/万事达为官方卡组织结算汇率。实际扣款还可能受发卡行费用、入账时间等影响。"]
     print("\n".join(lines))
 
 if __name__ == "__main__":