diff --git a/apps/daxpay-admin/src/api/request.ts b/apps/daxpay-admin/src/api/request.ts
index 334a03c7a..fb3cf5ae7 100644
--- a/apps/daxpay-admin/src/api/request.ts
+++ b/apps/daxpay-admin/src/api/request.ts
@@ -93,6 +93,10 @@ function createRequestClient(baseURL: string, options?: RequestClientOptions) {
   // 通用的错误处理,如果没有进入上面的错误处理逻辑，就会进入这里
   client.addResponseInterceptor(
     errorMessageResponseInterceptor((msg: string, error) => {
+      // 静默错误(请求 config 中设置 silentError=true), 不弹全局 toast, 由业务自行处理
+      if (error?.config?.silentError) {
+        return;
+      }
       const { message } = useMessage();
       // HTTP 错误(401等)响应体在 response.data; 业务错误(200但code非0)在顶层 data
       const body = error?.response?.data ?? error?.data ?? {};
diff --git a/apps/daxpay-admin/src/api/system/protocol/user-protocol.api.ts b/apps/daxpay-admin/src/api/system/protocol/user-protocol.api.ts
index 9dd3954ae..633e73c9e 100644
--- a/apps/daxpay-admin/src/api/system/protocol/user-protocol.api.ts
+++ b/apps/daxpay-admin/src/api/system/protocol/user-protocol.api.ts
@@ -46,9 +46,13 @@ export const UserProtocolApi = {
   clientTypeOptions(): Promise<Result<LabelValue[]>> {
     return defHttp.get({ url: '/user/protocol/client-type-options' });
   },
-  /** 查询默认协议内容(对外, 各端展示用) */
+  /** 查询默认协议内容(对外, 各端展示用; 协议未配置时会抛异常, 静默错误由调用方自行处理空态) */
   findDefault(type: string, clientType: string, language?: string): Promise<Result<UserProtocolContent>> {
-    return defHttp.get({ url: '/user/protocol/find-default', params: { type, clientType, language } });
+    return defHttp.get({
+      url: '/user/protocol/find-default',
+      params: { type, clientType, language },
+      silentError: true,
+    });
   },
 };
 
diff --git a/apps/daxpay-admin/src/router/routes/core.ts b/apps/daxpay-admin/src/router/routes/core.ts
index 64bb7bf9c..7d9854020 100644
--- a/apps/daxpay-admin/src/router/routes/core.ts
+++ b/apps/daxpay-admin/src/router/routes/core.ts
@@ -51,6 +51,30 @@ const socialBindCallbackRoute: RouteRecordRaw = {
   },
 };
 
+/** 协议展示页（独立全屏路由，不走 AuthPageLayout，免登录预览协议正文） */
+const agreementTermsRoute: RouteRecordRaw = {
+  name: 'AgreementTerms',
+  path: '/auth/agreement/terms',
+  component: () => import('#/views/_core/authentication/agreement-terms.vue'),
+  meta: {
+    // 用户协议
+    title: 'authentication.termsTitle',
+    hideInMenu: true,
+  },
+};
+
+/** 隐私政策展示页（独立全屏路由，不走 AuthPageLayout，免登录预览协议正文） */
+const agreementPrivacyRoute: RouteRecordRaw = {
+  name: 'AgreementPrivacy',
+  path: '/auth/agreement/privacy',
+  component: () => import('#/views/_core/authentication/agreement-privacy.vue'),
+  meta: {
+    // 隐私政策
+    title: 'authentication.privacyTitle',
+    hideInMenu: true,
+  },
+};
+
 // 服务不可用提示页（后端不可用时的兜底，独立全屏，不走权限拦截）
 const serviceUnavailableRoute: RouteRecordRaw = {
   name: 'ServiceUnavailable',
@@ -131,30 +155,13 @@ const coreRoutes: RouteRecordRaw[] = [
           hideInMenu: true,
         },
       },
-      {
-        name: 'AgreementTerms',
-        path: 'agreement/terms',
-        component: () => import('#/views/_core/authentication/agreement-terms.vue'),
-        meta: {
-          // 用户协议
-          title: 'authentication.termsTitle',
-          hideInMenu: true,
-        },
-      },
-      {
-        name: 'AgreementPrivacy',
-        path: 'agreement/privacy',
-        component: () => import('#/views/_core/authentication/agreement-privacy.vue'),
-        meta: {
-          // 隐私政策
-          title: 'authentication.privacyTitle',
-          hideInMenu: true,
-        },
-      },
     ],
   },
   // 第三方绑定回调（独立路由，弹窗模式）
   socialBindCallbackRoute,
+  // 协议展示页（独立全屏路由，不走 AuthPageLayout）
+  agreementTermsRoute,
+  agreementPrivacyRoute,
   // 服务不可用提示页（后端不可用兜底，独立全屏，不走权限拦截）
   serviceUnavailableRoute,
 ];
diff --git a/apps/daxpay-admin/src/views/_core/authentication/agreement-privacy.vue b/apps/daxpay-admin/src/views/_core/authentication/agreement-privacy.vue
index d178586e3..bf7cc9964 100644
--- a/apps/daxpay-admin/src/views/_core/authentication/agreement-privacy.vue
+++ b/apps/daxpay-admin/src/views/_core/authentication/agreement-privacy.vue
@@ -1,15 +1,10 @@
 <script lang="ts" setup>
-  import { $t } from '@vben/locales';
-
-  import { AuthPageCard } from './components';
+  import { AgreementContentView } from './components';
 
   defineOptions({ name: 'AgreementPrivacy' });
 </script>
 
 <template>
   <!-- 国际化：隐私政策 -->
-  <AuthPageCard :title="$t('authentication.privacyTitle')">
-    <!-- 占位提示，后续替换为正式协议内容 -->
-    <a-alert :message="$t('authentication.agreementContentPlaceholder')" type="info" show-icon />
-  </AuthPageCard>
+  <AgreementContentView type="PRIVACY_POLICY" />
 </template>
diff --git a/apps/daxpay-admin/src/views/_core/authentication/agreement-terms.vue b/apps/daxpay-admin/src/views/_core/authentication/agreement-terms.vue
index 8f2f6a8ea..e5fccb3c7 100644
--- a/apps/daxpay-admin/src/views/_core/authentication/agreement-terms.vue
+++ b/apps/daxpay-admin/src/views/_core/authentication/agreement-terms.vue
@@ -1,15 +1,10 @@
 <script lang="ts" setup>
-  import { $t } from '@vben/locales';
-
-  import { AuthPageCard } from './components';
+  import { AgreementContentView } from './components';
 
   defineOptions({ name: 'AgreementTerms' });
 </script>
 
 <template>
   <!-- 国际化：用户协议 -->
-  <AuthPageCard :title="$t('authentication.termsTitle')">
-    <!-- 占位提示，后续替换为正式协议内容 -->
-    <a-alert :message="$t('authentication.agreementContentPlaceholder')" type="info" show-icon />
-  </AuthPageCard>
+  <AgreementContentView type="USER_AGREEMENT" />
 </template>
diff --git a/apps/daxpay-admin/src/views/_core/authentication/components/AgreementContentView.vue b/apps/daxpay-admin/src/views/_core/authentication/components/AgreementContentView.vue
new file mode 100644
index 000000000..367ed8100
--- /dev/null
+++ b/apps/daxpay-admin/src/views/_core/authentication/components/AgreementContentView.vue
@@ -0,0 +1,105 @@
+<script lang="ts" setup>
+  import { computed, onMounted, ref, watch } from 'vue';
+
+  import { $t, useI18n } from '@vben/locales';
+
+  import dayjs from 'dayjs';
+  import { MdPreview } from 'md-editor-v3';
+
+  import { UserProtocolApi, type UserProtocolContent } from '#/api/system/protocol/user-protocol.api';
+
+  import 'md-editor-v3/lib/preview.css';
+
+  defineOptions({ name: 'AgreementContentView' });
+
+  const props = defineProps<{
+    /** 协议类型: USER_AGREEMENT(用户协议) | PRIVACY_POLICY(隐私政策) */
+    type: 'PRIVACY_POLICY' | 'USER_AGREEMENT';
+  }>();
+
+  const { locale } = useI18n();
+
+  // 协议内容
+  const content = ref<UserProtocolContent>({});
+  const loading = ref(false);
+  const isEmpty = ref(false);
+
+  // 标题: 优先取后端返回的 title, 否则按协议类型取 i18n
+  const title = computed(() => {
+    return (
+      content.value.title ||
+      $t(props.type === 'USER_AGREEMENT' ? 'authentication.termsTitle' : 'authentication.privacyTitle')
+    );
+  });
+
+  // 版本标签与生效时间等元信息
+  const metaText = computed(() => {
+    const parts: string[] = [];
+    if (content.value.versionLabel) {
+      parts.push(content.value.versionLabel);
+    } else if (content.value.versionNo) {
+      // 版本号
+      parts.push(`v${content.value.versionNo}`);
+    }
+    if (content.value.effectiveTime) {
+      // 生效时间
+      const formatted = dayjs(content.value.effectiveTime).format('YYYY-MM-DD');
+      if (formatted && formatted !== 'Invalid Date') {
+        parts.push(`${$t('authentication.agreementEffectiveTime')}: ${formatted}`);
+      }
+    }
+    return parts.join('  \u00B7  ');
+  });
+
+  /** 加载协议内容 */
+  async function loadContent() {
+    loading.value = true;
+    isEmpty.value = false;
+    try {
+      const result = await UserProtocolApi.findDefault(props.type, 'WEB', locale.value);
+      // 接口返回空或无正文内容时视为未配置
+      if (!result?.data || !result.data.content) {
+        isEmpty.value = true;
+        content.value = {};
+      } else {
+        content.value = result.data;
+      }
+    } catch {
+      // 协议未配置等情况, 显示空态(silentError 已拦截全局 toast)
+      isEmpty.value = true;
+      content.value = {};
+    } finally {
+      loading.value = false;
+    }
+  }
+
+  onMounted(loadContent);
+
+  // 语言切换时重新拉取对应语言的协议内容
+  watch(locale, loadContent);
+</script>
+
+<template>
+  <div class="flex min-h-screen w-full justify-center px-4 py-10">
+    <div class="w-full max-w-4xl">
+      <a-card class="rounded-lg shadow-lg" variant="borderless">
+        <!-- 标题区 -->
+        <div class="mb-2 text-center">
+          <h1 class="text-2xl font-semibold text-gray-900 dark:text-gray-100">
+            {{ title }}
+          </h1>
+          <p v-if="metaText" class="mt-2 text-sm text-gray-400">
+            {{ metaText }}
+          </p>
+        </div>
+        <a-divider />
+        <!-- 加载态 -->
+        <a-skeleton v-if="loading" active :paragraph="{ rows: 12 }" />
+        <!-- 空态: 协议未配置 -->
+        <a-empty v-else-if="isEmpty" :description="$t('authentication.agreementEmpty')" />
+        <!-- 协议正文(Markdown 渲染) -->
+        <MdPreview v-else id="agreement-content-preview" :model-value="content.content || ''" />
+      </a-card>
+    </div>
+  </div>
+</template>
diff --git a/apps/daxpay-admin/src/views/_core/authentication/components/index.ts b/apps/daxpay-admin/src/views/_core/authentication/components/index.ts
index 2e263c098..39b5d8e50 100644
--- a/apps/daxpay-admin/src/views/_core/authentication/components/index.ts
+++ b/apps/daxpay-admin/src/views/_core/authentication/components/index.ts
@@ -1,3 +1,4 @@
+export { default as AgreementContentView } from './AgreementContentView.vue';
 export { default as AuthFormActions } from './AuthFormActions.vue';
 export { default as AuthPageCard } from './AuthPageCard.vue';
 export { default as AuthPageFooterActions } from './AuthPageFooterActions.vue';
diff --git a/packages/locales/src/langs/en-US/authentication.json b/packages/locales/src/langs/en-US/authentication.json
index 210c87a38..dbffb9d24 100644
--- a/packages/locales/src/langs/en-US/authentication.json
+++ b/packages/locales/src/langs/en-US/authentication.json
@@ -43,6 +43,8 @@
   "termsTitle": "Terms of Service",
   "privacyTitle": "Privacy Policy",
   "agreementContentPlaceholder": "This agreement is being drafted and will be available in a future release.",
+  "agreementEmpty": "No agreement content has been configured. Please contact the administrator to configure it.",
+  "agreementEffectiveTime": "Effective Date",
   "layout": {
     "center": "Align Center",
     "alignLeft": "Align Left",
diff --git a/packages/locales/src/langs/id-ID/authentication.json b/packages/locales/src/langs/id-ID/authentication.json
index 803a96416..4bcc71d8c 100644
--- a/packages/locales/src/langs/id-ID/authentication.json
+++ b/packages/locales/src/langs/id-ID/authentication.json
@@ -43,6 +43,8 @@
   "termsTitle": "Ketentuan Layanan",
   "privacyTitle": "Kebijakan Privasi",
   "agreementContentPlaceholder": "Perjanjian ini sedang dirancang dan akan tersedia pada rilis mendatang.",
+  "agreementEmpty": "Konten perjanjian belum dikonfigurasi. Silakan hubungi administrator untuk mengonfigurasinya.",
+  "agreementEffectiveTime": "Tanggal Berlaku",
   "layout": {
     "center": "Sejajarkan Pusat",
     "alignLeft": "Sejajarkan ke Kiri",
diff --git a/packages/locales/src/langs/ja-JP/authentication.json b/packages/locales/src/langs/ja-JP/authentication.json
index f9d8f2e62..e80843430 100644
--- a/packages/locales/src/langs/ja-JP/authentication.json
+++ b/packages/locales/src/langs/ja-JP/authentication.json
@@ -43,6 +43,8 @@
   "termsTitle": "利用規約",
   "privacyTitle": "プライバシーポリシー",
   "agreementContentPlaceholder": "この契約は現在草案中であり、将来のリリースで利用可能になる予定です。",
+  "agreementEmpty": "利用規約の内容が設定されていません。管理者にご連絡のうえ設定をご依頼ください。",
+  "agreementEffectiveTime": "発効日",
   "layout": {
     "center": "中央揃え",
     "alignLeft": "左揃え",
diff --git a/packages/locales/src/langs/ko-KR/authentication.json b/packages/locales/src/langs/ko-KR/authentication.json
index 37b900a13..3f19b35c3 100644
--- a/packages/locales/src/langs/ko-KR/authentication.json
+++ b/packages/locales/src/langs/ko-KR/authentication.json
@@ -43,6 +43,8 @@
   "termsTitle": "서비스 약관",
   "privacyTitle": "개인 정보 보호 정책",
   "agreementContentPlaceholder": "본 계약은 초안 작성 중이며 향후 릴리스에서 제공될 예정입니다.",
+  "agreementEmpty": "약관 내용이 구성되지 않았습니다. 관리자에게 문의하여 구성해 주세요.",
+  "agreementEffectiveTime": "시행일",
   "layout": {
     "center": "중심 정렬",
     "alignLeft": "왼쪽 정렬",
diff --git a/packages/locales/src/langs/ms-MY/authentication.json b/packages/locales/src/langs/ms-MY/authentication.json
index 8597f465a..740a134c0 100644
--- a/packages/locales/src/langs/ms-MY/authentication.json
+++ b/packages/locales/src/langs/ms-MY/authentication.json
@@ -43,6 +43,8 @@
   "termsTitle": "Syarat Perkhidmatan",
   "privacyTitle": "Dasar Privasi",
   "agreementContentPlaceholder": "Perjanjian ini sedang dirangka dan akan tersedia dalam keluaran akan datang.",
+  "agreementEmpty": "Kandungan perjanjian belum dikonfigurasi. Sila hubungi pentadbir untuk mengkonfigurasikannya.",
+  "agreementEffectiveTime": "Tarikh Berkuat Kuasa",
   "layout": {
     "center": "Jajarkan Tengah",
     "alignLeft": "Jajar Kiri",
diff --git a/packages/locales/src/langs/th-TH/authentication.json b/packages/locales/src/langs/th-TH/authentication.json
index e5c6ae62c..43c95a3f1 100644
--- a/packages/locales/src/langs/th-TH/authentication.json
+++ b/packages/locales/src/langs/th-TH/authentication.json
@@ -43,6 +43,8 @@
   "termsTitle": "ข้อกำหนดในการให้บริการ",
   "privacyTitle": "นโยบายความเป็นส่วนตัว",
   "agreementContentPlaceholder": "ข้อตกลงนี้อยู่ระหว่างการร่างและจะพร้อมใช้งานในรุ่นต่อๆ ไป",
+  "agreementEmpty": "ยังไม่ได้กำหนดเนื้อหาข้อตกลง โปรดติดต่อผู้ดูแลระบบเพื่อกำหนด",
+  "agreementEffectiveTime": "วันที่มีผลบังคับ",
   "layout": {
     "center": "จัดกึ่งกลาง",
     "alignLeft": "จัดชิดซ้าย",
diff --git a/packages/locales/src/langs/vi-VN/authentication.json b/packages/locales/src/langs/vi-VN/authentication.json
index 1af2579f8..a73ddb39b 100644
--- a/packages/locales/src/langs/vi-VN/authentication.json
+++ b/packages/locales/src/langs/vi-VN/authentication.json
@@ -43,6 +43,8 @@
   "termsTitle": "Điều khoản dịch vụ",
   "privacyTitle": "Chính sách bảo mật",
   "agreementContentPlaceholder": "Thỏa thuận này đang được soạn thảo và sẽ có trong bản phát hành trong tương lai.",
+  "agreementEmpty": "Nội dung thỏa thuận chưa được cấu hình. Vui lòng liên hệ quản trị viên để cấu hình.",
+  "agreementEffectiveTime": "Ngày có hiệu lực",
   "layout": {
     "center": "Căn giữa",
     "alignLeft": "Căn trái",
diff --git a/packages/locales/src/langs/zh-CN/authentication.json b/packages/locales/src/langs/zh-CN/authentication.json
index ccf40dbd2..8a939dec2 100644
--- a/packages/locales/src/langs/zh-CN/authentication.json
+++ b/packages/locales/src/langs/zh-CN/authentication.json
@@ -43,6 +43,8 @@
   "termsTitle": "用户协议",
   "privacyTitle": "隐私政策",
   "agreementContentPlaceholder": "协议内容正在完善中，正式版将在后续版本提供。",
+  "agreementEmpty": "暂未配置协议内容，请联系管理员配置后再查看。",
+  "agreementEffectiveTime": "生效时间",
   "layout": {
     "center": "居中",
     "alignLeft": "居左",
diff --git a/packages/locales/src/langs/zh-HK/authentication.json b/packages/locales/src/langs/zh-HK/authentication.json
index 775a9354a..056969109 100644
--- a/packages/locales/src/langs/zh-HK/authentication.json
+++ b/packages/locales/src/langs/zh-HK/authentication.json
@@ -43,6 +43,8 @@
   "termsTitle": "用户協議",
   "privacyTitle": "隱私政策",
   "agreementContentPlaceholder": "協議內容正在完善中，正式版將在後續版本提供。",
+  "agreementEmpty": "暫未配置協議內容，請聯絡管理員配置後再查看。",
+  "agreementEffectiveTime": "生效時間",
   "layout": {
     "center": "居中",
     "alignLeft": "居左",
diff --git a/packages/locales/src/langs/zh-TW/authentication.json b/packages/locales/src/langs/zh-TW/authentication.json
index abfc58fed..012309413 100644
--- a/packages/locales/src/langs/zh-TW/authentication.json
+++ b/packages/locales/src/langs/zh-TW/authentication.json
@@ -43,6 +43,8 @@
   "termsTitle": "使用者協議",
   "privacyTitle": "隱私政策",
   "agreementContentPlaceholder": "協議內容正在完善中，正式版將在後續版本提供。",
+  "agreementEmpty": "暫未配置協議內容，請聯繫管理員配置後再查看。",
+  "agreementEffectiveTime": "生效時間",
   "layout": {
     "center": "居中",
     "alignLeft": "居左",