diff --git a/_config/sql/update-tables.sql b/_config/sql/update-tables.sql
index e69de29bb..90cad3289 100644
--- a/_config/sql/update-tables.sql
+++ b/_config/sql/update-tables.sql
@@ -0,0 +1,109 @@
+-- 站内通知表结构(公告 + 已读 + 个人消息预留)
+-- 执行顺序: update-tables.sql → update-datas.sql
+
+-- ----------------------------
+-- Table structure for notify_notice
+-- ----------------------------
+CREATE TABLE IF NOT EXISTS "public"."notify_notice" (
+  "id" int8 NOT NULL,
+  "title" varchar(256) COLLATE "pg_catalog"."default" NOT NULL,
+  "content" text COLLATE "pg_catalog"."default",
+  "severity" varchar(32) COLLATE "pg_catalog"."default",
+  "is_top" bool NOT NULL DEFAULT false,
+  "effective_time" timestamptz(6),
+  "expire_time" timestamptz(6),
+  "status" varchar(32) COLLATE "pg_catalog"."default" NOT NULL,
+  "deleted" bool NOT NULL DEFAULT false,
+  "last_modifier" int8,
+  "last_modified_time" timestamptz(6),
+  "version" int4 NOT NULL DEFAULT 0,
+  "creator" int8,
+  "create_time" timestamptz(6),
+  PRIMARY KEY ("id")
+);
+
+COMMENT ON TABLE "public"."notify_notice" IS '公告通知(广播型)';
+COMMENT ON COLUMN "public"."notify_notice"."id" IS '主键';
+COMMENT ON COLUMN "public"."notify_notice"."title" IS '标题';
+COMMENT ON COLUMN "public"."notify_notice"."content" IS '正文(Markdown原文)';
+COMMENT ON COLUMN "public"."notify_notice"."severity" IS '重要程度(normal普通/important重要)';
+COMMENT ON COLUMN "public"."notify_notice"."is_top" IS '是否置顶';
+COMMENT ON COLUMN "public"."notify_notice"."effective_time" IS '生效时间(为空则立即生效)';
+COMMENT ON COLUMN "public"."notify_notice"."expire_time" IS '过期时间(为空则永久有效)';
+COMMENT ON COLUMN "public"."notify_notice"."status" IS '状态(draft草稿/published发布/offline下线)';
+COMMENT ON COLUMN "public"."notify_notice"."deleted" IS '逻辑删除';
+COMMENT ON COLUMN "public"."notify_notice"."last_modifier" IS '最后修改者ID';
+COMMENT ON COLUMN "public"."notify_notice"."last_modified_time" IS '最后修改时间';
+COMMENT ON COLUMN "public"."notify_notice"."version" IS '版本号(乐观锁)';
+COMMENT ON COLUMN "public"."notify_notice"."creator" IS '创建者ID';
+COMMENT ON COLUMN "public"."notify_notice"."create_time" IS '创建时间';
+
+CREATE INDEX IF NOT EXISTS "idx_notify_notice_status" ON "public"."notify_notice" ("status");
+CREATE INDEX IF NOT EXISTS "idx_notify_notice_create_time" ON "public"."notify_notice" ("create_time" DESC);
+
+-- ----------------------------
+-- Table structure for notify_notice_read
+-- ----------------------------
+CREATE TABLE IF NOT EXISTS "public"."notify_notice_read" (
+  "id" int8 NOT NULL,
+  "user_id" int8 NOT NULL,
+  "notice_id" int8 NOT NULL,
+  "read_time" timestamptz(6),
+  "is_ignored" bool NOT NULL DEFAULT false,
+  "creator" int8,
+  "create_time" timestamptz(6),
+  PRIMARY KEY ("id")
+);
+
+COMMENT ON TABLE "public"."notify_notice_read" IS '公告已读记录(用户 x 公告)';
+COMMENT ON COLUMN "public"."notify_notice_read"."id" IS '主键';
+COMMENT ON COLUMN "public"."notify_notice_read"."user_id" IS '用户ID';
+COMMENT ON COLUMN "public"."notify_notice_read"."notice_id" IS '公告ID';
+COMMENT ON COLUMN "public"."notify_notice_read"."read_time" IS '阅读时间';
+COMMENT ON COLUMN "public"."notify_notice_read"."is_ignored" IS '是否忽略(用户主动隐藏该公告)';
+COMMENT ON COLUMN "public"."notify_notice_read"."creator" IS '创建者ID';
+COMMENT ON COLUMN "public"."notify_notice_read"."create_time" IS '创建时间';
+
+CREATE UNIQUE INDEX IF NOT EXISTS "uk_notify_notice_read_user_notice"
+  ON "public"."notify_notice_read" ("user_id", "notice_id");
+CREATE INDEX IF NOT EXISTS "idx_notify_notice_read_user" ON "public"."notify_notice_read" ("user_id");
+
+-- ----------------------------
+-- Table structure for notify_message
+-- ----------------------------
+CREATE TABLE IF NOT EXISTS "public"."notify_message" (
+  "id" int8 NOT NULL,
+  "user_id" int8 NOT NULL,
+  "title" varchar(256) COLLATE "pg_catalog"."default" NOT NULL,
+  "content" text COLLATE "pg_catalog"."default",
+  "source" varchar(64) COLLATE "pg_catalog"."default",
+  "link" varchar(512) COLLATE "pg_catalog"."default",
+  "extra" text COLLATE "pg_catalog"."default",
+  "is_read" bool NOT NULL DEFAULT false,
+  "deleted" bool NOT NULL DEFAULT false,
+  "last_modifier" int8,
+  "last_modified_time" timestamptz(6),
+  "version" int4 NOT NULL DEFAULT 0,
+  "creator" int8,
+  "create_time" timestamptz(6),
+  PRIMARY KEY ("id")
+);
+
+COMMENT ON TABLE "public"."notify_message" IS '个人消息(定向通知, 预留)';
+COMMENT ON COLUMN "public"."notify_message"."id" IS '主键';
+COMMENT ON COLUMN "public"."notify_message"."user_id" IS '接收用户ID';
+COMMENT ON COLUMN "public"."notify_message"."title" IS '标题';
+COMMENT ON COLUMN "public"."notify_message"."content" IS '正文内容';
+COMMENT ON COLUMN "public"."notify_message"."source" IS '业务来源(预留)';
+COMMENT ON COLUMN "public"."notify_message"."link" IS '跳转链接(内部路由或完整http外链)';
+COMMENT ON COLUMN "public"."notify_message"."extra" IS '跳转附加参数(JSON字符串)';
+COMMENT ON COLUMN "public"."notify_message"."is_read" IS '是否已读';
+COMMENT ON COLUMN "public"."notify_message"."deleted" IS '逻辑删除';
+COMMENT ON COLUMN "public"."notify_message"."last_modifier" IS '最后修改者ID';
+COMMENT ON COLUMN "public"."notify_message"."last_modified_time" IS '最后修改时间';
+COMMENT ON COLUMN "public"."notify_message"."version" IS '版本号(乐观锁)';
+COMMENT ON COLUMN "public"."notify_message"."creator" IS '创建者ID';
+COMMENT ON COLUMN "public"."notify_message"."create_time" IS '创建时间';
+
+CREATE INDEX IF NOT EXISTS "idx_notify_message_user" ON "public"."notify_message" ("user_id");
+CREATE INDEX IF NOT EXISTS "idx_notify_message_user_read" ON "public"."notify_message" ("user_id", "is_read");
diff --git a/daxpay-payment/daxpay-payment-admin/pom.xml b/daxpay-payment/daxpay-payment-admin/pom.xml
index 8c2bce318..237a748d3 100644
--- a/daxpay-payment/daxpay-payment-admin/pom.xml
+++ b/daxpay-payment/daxpay-payment-admin/pom.xml
@@ -28,6 +28,12 @@
             <artifactId>daxpay-payment-core</artifactId>
             <version>${project.version}</version>
         </dependency>
+        <!-- 站内通知(公告 + 个人消息)：运营端铃铛 / 通知中心 / SSE -->
+        <dependency>
+            <groupId>cn.daxpay.open</groupId>
+            <artifactId>service-notify</artifactId>
+            <version>${project.version}</version>
+        </dependency>
         <!-- 管理端 MapStruct Convert（PayTradeAdminConvert 等） -->
         <dependency>
             <groupId>org.mapstruct</groupId>