diff --git a/server/cmd/server/main.go b/server/cmd/server/main.go
index 9b38cef..4d3314e 100644
--- a/server/cmd/server/main.go
+++ b/server/cmd/server/main.go
@@ -4,6 +4,7 @@ import (
 	"context"
 	"crypto/tls"
 	"database/sql"
+	"encoding/hex"
 	"encoding/json"
 	"flag"
 	"log"
@@ -235,6 +236,18 @@ func mountV1(r chi.Router, sqlDB *sql.DB, rdb *redis.Client, nodeSvc *nodes.Serv
 		authHandler = auth.NewHandler(authSvc)
 	}
 
+	// ── User TOTP (web 用户中心 2FA) ─────────────────────────────────────────────
+	// Only enabled when a valid 32-byte key is configured (USER_TOTP_ENC_KEY,
+	// raw 32 bytes or 64 hex chars); secrets are encrypted at rest under it.
+	var totpHandler *auth.TOTPHandler
+	if tm != nil {
+		if key := parseTOTPKey(os.Getenv("USER_TOTP_ENC_KEY")); key != nil {
+			totpHandler = auth.NewTOTPHandler(sqlDB, key, tm, rdb)
+		} else if os.Getenv("USER_TOTP_ENC_KEY") != "" {
+			log.Printf("USER_TOTP_ENC_KEY invalid (need 32 bytes or 64 hex chars); user TOTP disabled")
+		}
+	}
+
 	// ── Codes ────────────────────────────────────────────────────────────────
 	codesStore := codes.NewStore(sqlDB)
 	codesSvc := codes.NewService(codesStore, rdb, 5, time.Hour)
@@ -282,6 +295,9 @@ func mountV1(r chi.Router, sqlDB *sql.DB, rdb *redis.Client, nodeSvc *nodes.Serv
 			v1.Post("/auth/login", authHandler.Login)
 			v1.Post("/auth/refresh", authHandler.Refresh)
 			v1.Post("/auth/logout", authHandler.Logout)
+			if totpHandler != nil {
+				v1.Post("/auth/login/totp", totpHandler.LoginTOTP)
+			}
 		}
 
 		// Webhook: HMAC-authenticated, no JWT.
@@ -299,6 +315,11 @@ func mountV1(r chi.Router, sqlDB *sql.DB, rdb *redis.Client, nodeSvc *nodes.Serv
 					me.Post("/redeem", redeemHandler.ServeHTTP)
 					me.Get("/subscription", subAPI.GetSubscription)
 					me.Post("/subscription/reset", subAPI.ResetSubscription)
+					if totpHandler != nil {
+						me.Post("/totp/setup", totpHandler.Setup)
+						me.Post("/totp/verify", totpHandler.Verify)
+						me.Post("/totp/disable", totpHandler.Disable)
+					}
 				})
 				protected.Post("/redeem", redeemHandler.ServeHTTP)
 				protected.Get("/usage", usageHandler.ServeHTTP)
@@ -409,6 +430,21 @@ func getenvDefault(key, def string) string {
 	return def
 }
 
+// parseTOTPKey returns a 32-byte AES key from USER_TOTP_ENC_KEY, accepting either
+// 64 hex chars or a raw 32-byte string. Returns nil when unset/invalid.
+func parseTOTPKey(raw string) []byte {
+	if len(raw) == 64 {
+		if b, err := hex.DecodeString(raw); err == nil && len(b) == 32 {
+			return b
+		}
+		return nil
+	}
+	if len(raw) == 32 {
+		return []byte(raw)
+	}
+	return nil
+}
+
 func intEnvDefault(key string, def int) int {
 	v := os.Getenv(key)
 	if v == "" {
diff --git a/server/internal/auth/handler.go b/server/internal/auth/handler.go
index 3d1a636..5d2bad7 100644
--- a/server/internal/auth/handler.go
+++ b/server/internal/auth/handler.go
@@ -101,12 +101,24 @@ func (h *Handler) Login(w http.ResponseWriter, r *http.Request) {
 	if !decodeJSON(w, r, &req) {
 		return
 	}
-	pair, retryAfter, apiErr := h.svc.Login(r.Context(), req.Email, req.Password, clientIP(r))
+	out, retryAfter, apiErr := h.svc.Login(r.Context(), req.Email, req.Password, clientIP(r))
 	if apiErr != nil {
 		writeAPIErr(w, apiErr, retryAfter)
 		return
 	}
-	writeTokenPair(w, pair)
+	// TOTP-enabled accounts get a pending token instead of tokens; the web
+	// user-center then completes login at /auth/login/totp. The app (no TOTP)
+	// always receives the flat token pair below.
+	if out.PendingToken != "" {
+		w.Header().Set("Content-Type", "application/json; charset=utf-8")
+		w.WriteHeader(http.StatusOK)
+		_ = json.NewEncoder(w).Encode(map[string]any{
+			"totp_required": true,
+			"pending_token": out.PendingToken,
+		})
+		return
+	}
+	writeTokenPair(w, out.Tokens)
 }
 
 // Refresh handles POST /v1/auth/refresh.
diff --git a/server/internal/auth/service.go b/server/internal/auth/service.go
index b5ed649..ec06ccb 100644
--- a/server/internal/auth/service.go
+++ b/server/internal/auth/service.go
@@ -215,7 +215,21 @@ func (s *Service) verifyCode(ctx context.Context, email, code string) *apierr.Er
 
 // Login authenticates email+password with constant-time behaviour and a
 // failure-count lock. retryAfter is non-zero only when the account is locked.
-func (s *Service) Login(ctx context.Context, rawEmail, password, ip string) (*TokenPair, time.Duration, *apierr.Error) {
+// LoginOutcome is the result of a password login: either issued tokens, or a
+// short-lived PendingToken when the account has TOTP enabled and must complete
+// the second step at /auth/login/totp.
+type LoginOutcome struct {
+	Tokens       *TokenPair
+	PendingToken string
+}
+
+// TOTP pending-login token (Redis): maps a one-time pending token → user id.
+const (
+	totpPendingPrefix = "totp:pending:"
+	totpPendingTTL    = 5 * time.Minute
+)
+
+func (s *Service) Login(ctx context.Context, rawEmail, password, ip string) (*LoginOutcome, time.Duration, *apierr.Error) {
 	_ = ip // IP reserved for future per-IP login throttling; not logged.
 	email := NormalizeEmail(rawEmail)
 	if email == "" || password == "" {
@@ -252,13 +266,27 @@ func (s *Service) Login(ctx context.Context, rawEmail, password, ip string) (*To
 		return nil, 0, ErrAccountBanned
 	}
 
-	// Success: clear the failure counter and issue tokens.
+	// Success: clear the failure counter.
 	_ = s.rl.ClearFailures(ctx, scopeLogin, email)
+
+	// Two-factor gate: when enabled, don't issue tokens yet — return a short-lived
+	// pending token the client exchanges with a TOTP code at /auth/login/totp.
+	if user.TOTPEnabled {
+		pending, perr := newToken16()
+		if perr != nil {
+			return nil, 0, ErrInternal
+		}
+		if err := s.rdb.Set(ctx, totpPendingPrefix+pending, user.ID, totpPendingTTL).Err(); err != nil {
+			return nil, 0, ErrInternal
+		}
+		return &LoginOutcome{PendingToken: pending}, 0, nil
+	}
+
 	pair, err := s.tokens.Issue(ctx, user.ID, user.UUID)
 	if err != nil {
 		return nil, 0, ErrInternal
 	}
-	return pair, 0, nil
+	return &LoginOutcome{Tokens: pair}, 0, nil
 }
 
 // Logout revokes the given refresh token. Idempotent: an empty, unknown, or
diff --git a/server/internal/auth/store.go b/server/internal/auth/store.go
index b155dd8..daa558a 100644
--- a/server/internal/auth/store.go
+++ b/server/internal/auth/store.go
@@ -13,12 +13,13 @@ import (
 
 // User is the subset of the users row the auth module needs.
 type User struct {
-	ID     int64
-	UUID   string
-	Email  string
-	PwHash string
-	DpUUID string
-	Status string // "active" | "banned"
+	ID          int64
+	UUID        string
+	Email       string
+	PwHash      string
+	DpUUID      string
+	Status      string // "active" | "banned"
+	TOTPEnabled bool   // two-factor enabled → login requires a second TOTP step
 }
 
 // Sentinel store errors. Service maps these to API errors.
@@ -112,8 +113,8 @@ func (s *SQLStore) CreateUserWithTrial(ctx context.Context, email, pwHash string
 func (s *SQLStore) GetUserByEmail(ctx context.Context, email string) (*User, error) {
 	var u User
 	err := s.db.QueryRowContext(ctx,
-		`SELECT id, uuid, email, pw_hash, dp_uuid, status FROM users WHERE email = ?`,
-		email).Scan(&u.ID, &u.UUID, &u.Email, &u.PwHash, &u.DpUUID, &u.Status)
+		`SELECT id, uuid, email, pw_hash, dp_uuid, status, totp_enabled FROM users WHERE email = ?`,
+		email).Scan(&u.ID, &u.UUID, &u.Email, &u.PwHash, &u.DpUUID, &u.Status, &u.TOTPEnabled)
 	if err == sql.ErrNoRows {
 		return nil, ErrNotFound
 	}
diff --git a/server/internal/auth/totp_user.go b/server/internal/auth/totp_user.go
new file mode 100644
index 0000000..74cb8c1
--- /dev/null
+++ b/server/internal/auth/totp_user.go
@@ -0,0 +1,251 @@
+package auth
+
+import (
+	"context"
+	"crypto/aes"
+	"crypto/cipher"
+	"crypto/rand"
+	"database/sql"
+	"encoding/hex"
+	"encoding/json"
+	"errors"
+	"net/http"
+	"strconv"
+	"time"
+
+	"github.com/redis/go-redis/v9"
+
+	"github.com/wangjia/pangolin/server/internal/apierr"
+	"github.com/wangjia/pangolin/server/internal/totp"
+)
+
+const totpIssuer = "Pangolin"
+
+// errTOTPInvalid mirrors the web user-center's expected error code.
+var errTOTPInvalid = apierr.New("totp_invalid", "动态码不正确，请重试", "Invalid code, try again")
+
+// TOTPHandler serves the user two-factor endpoints (/v1/me/totp/*) and the
+// second login step (/v1/auth/login/totp). Secrets are stored AES-256-GCM
+// encrypted under encKey; pending login tokens live in Redis.
+type TOTPHandler struct {
+	db     *sql.DB
+	encKey []byte // 32 bytes (AES-256)
+	tokens *TokenManager
+	rdb    *redis.Client
+	now    func() time.Time
+}
+
+// NewTOTPHandler wires the handler. encKey must be 32 bytes.
+func NewTOTPHandler(db *sql.DB, encKey []byte, tokens *TokenManager, rdb *redis.Client) *TOTPHandler {
+	return &TOTPHandler{db: db, encKey: encKey, tokens: tokens, rdb: rdb, now: time.Now}
+}
+
+type totpCodeRequest struct {
+	Code string `json:"code"`
+}
+
+// Setup handles POST /v1/me/totp/setup — generates and stores a secret (not yet
+// enabled) and returns it plus an otpauth:// URI for QR rendering.
+func (h *TOTPHandler) Setup(w http.ResponseWriter, r *http.Request) {
+	uid, ok := UserIDFromContext(r.Context())
+	if !ok {
+		apierr.WriteJSON(w, http.StatusUnauthorized, apierr.ErrUnauthorized)
+		return
+	}
+	var email string
+	if err := h.db.QueryRowContext(r.Context(),
+		`SELECT email FROM users WHERE id = ? AND status = 'active'`, uid).Scan(&email); err != nil {
+		apierr.WriteJSON(w, http.StatusInternalServerError, apierr.ErrInternal)
+		return
+	}
+	secret, err := totp.GenerateSecret()
+	if err != nil {
+		apierr.WriteJSON(w, http.StatusInternalServerError, apierr.ErrInternal)
+		return
+	}
+	enc, err := sealAES(h.encKey, secret)
+	if err != nil {
+		apierr.WriteJSON(w, http.StatusInternalServerError, apierr.ErrInternal)
+		return
+	}
+	if _, err := h.db.ExecContext(r.Context(),
+		`UPDATE users SET totp_secret_enc = ?, totp_enabled = FALSE WHERE id = ?`, enc, uid); err != nil {
+		apierr.WriteJSON(w, http.StatusInternalServerError, apierr.ErrInternal)
+		return
+	}
+	w.Header().Set("Content-Type", "application/json; charset=utf-8")
+	_ = json.NewEncoder(w).Encode(map[string]string{
+		"secret":      secret,
+		"otpauth_uri": totp.ProvisioningURI(secret, email, totpIssuer),
+	})
+}
+
+// Verify handles POST /v1/me/totp/verify {code} — enables TOTP after confirming
+// the user can produce a valid code for the secret created by Setup.
+func (h *TOTPHandler) Verify(w http.ResponseWriter, r *http.Request) {
+	uid, ok := UserIDFromContext(r.Context())
+	if !ok {
+		apierr.WriteJSON(w, http.StatusUnauthorized, apierr.ErrUnauthorized)
+		return
+	}
+	var req totpCodeRequest
+	if !decodeJSON(w, r, &req) {
+		return
+	}
+	secret, _, err := h.loadSecret(r.Context(), uid)
+	if err != nil || secret == "" || !totp.Validate(secret, req.Code, h.now().UTC(), 1) {
+		apierr.WriteJSON(w, http.StatusUnauthorized, errTOTPInvalid)
+		return
+	}
+	if _, err := h.db.ExecContext(r.Context(),
+		`UPDATE users SET totp_enabled = TRUE WHERE id = ?`, uid); err != nil {
+		apierr.WriteJSON(w, http.StatusInternalServerError, apierr.ErrInternal)
+		return
+	}
+	w.WriteHeader(http.StatusNoContent)
+}
+
+// Disable handles POST /v1/me/totp/disable {code} — turns off TOTP after a valid
+// code and clears the stored secret.
+func (h *TOTPHandler) Disable(w http.ResponseWriter, r *http.Request) {
+	uid, ok := UserIDFromContext(r.Context())
+	if !ok {
+		apierr.WriteJSON(w, http.StatusUnauthorized, apierr.ErrUnauthorized)
+		return
+	}
+	var req totpCodeRequest
+	if !decodeJSON(w, r, &req) {
+		return
+	}
+	secret, _, err := h.loadSecret(r.Context(), uid)
+	if err != nil || secret == "" || !totp.Validate(secret, req.Code, h.now().UTC(), 1) {
+		apierr.WriteJSON(w, http.StatusUnauthorized, errTOTPInvalid)
+		return
+	}
+	if _, err := h.db.ExecContext(r.Context(),
+		`UPDATE users SET totp_secret_enc = NULL, totp_enabled = FALSE WHERE id = ?`, uid); err != nil {
+		apierr.WriteJSON(w, http.StatusInternalServerError, apierr.ErrInternal)
+		return
+	}
+	w.WriteHeader(http.StatusNoContent)
+}
+
+type loginTOTPRequest struct {
+	PendingToken string `json:"pending_token"`
+	Code         string `json:"code"`
+}
+
+// LoginTOTP handles POST /v1/auth/login/totp — second login step. Consumes the
+// one-time pending token from Login, validates the TOTP code, then issues tokens.
+func (h *TOTPHandler) LoginTOTP(w http.ResponseWriter, r *http.Request) {
+	var req loginTOTPRequest
+	if !decodeJSON(w, r, &req) {
+		return
+	}
+	if req.PendingToken == "" {
+		apierr.WriteJSON(w, http.StatusUnauthorized, errTOTPInvalid)
+		return
+	}
+	// One-time consume of the pending token.
+	uidStr, err := h.rdb.GetDel(r.Context(), totpPendingPrefix+req.PendingToken).Result()
+	if errors.Is(err, redis.Nil) {
+		apierr.WriteJSON(w, http.StatusUnauthorized, errTOTPInvalid)
+		return
+	} else if err != nil {
+		apierr.WriteJSON(w, http.StatusInternalServerError, apierr.ErrInternal)
+		return
+	}
+	uid, err := strconv.ParseInt(uidStr, 10, 64)
+	if err != nil {
+		apierr.WriteJSON(w, http.StatusInternalServerError, apierr.ErrInternal)
+		return
+	}
+
+	secret, enabled, err := h.loadSecret(r.Context(), uid)
+	if err != nil || !enabled || secret == "" || !totp.Validate(secret, req.Code, h.now().UTC(), 1) {
+		apierr.WriteJSON(w, http.StatusUnauthorized, errTOTPInvalid)
+		return
+	}
+
+	var uuid string
+	if err := h.db.QueryRowContext(r.Context(),
+		`SELECT uuid FROM users WHERE id = ? AND status = 'active'`, uid).Scan(&uuid); err != nil {
+		apierr.WriteJSON(w, http.StatusInternalServerError, apierr.ErrInternal)
+		return
+	}
+	pair, err := h.tokens.Issue(r.Context(), uid, uuid)
+	if err != nil {
+		apierr.WriteJSON(w, http.StatusInternalServerError, apierr.ErrInternal)
+		return
+	}
+	writeTokenPair(w, pair)
+}
+
+// loadSecret returns the user's decrypted TOTP secret and enabled flag. A NULL
+// secret yields ("", enabled, nil).
+func (h *TOTPHandler) loadSecret(ctx context.Context, uid int64) (string, bool, error) {
+	var enc []byte
+	var enabled bool
+	if err := h.db.QueryRowContext(ctx,
+		`SELECT totp_secret_enc, totp_enabled FROM users WHERE id = ?`, uid).Scan(&enc, &enabled); err != nil {
+		return "", false, err
+	}
+	if len(enc) == 0 {
+		return "", enabled, nil
+	}
+	secret, err := openAES(h.encKey, enc)
+	if err != nil {
+		return "", enabled, err
+	}
+	return secret, enabled, nil
+}
+
+// ── crypto / token helpers ───────────────────────────────────────────────────
+
+// sealAES encrypts plaintext with AES-256-GCM under key (32 bytes); the nonce is
+// prepended to the ciphertext.
+func sealAES(key []byte, plaintext string) ([]byte, error) {
+	block, err := aes.NewCipher(key)
+	if err != nil {
+		return nil, err
+	}
+	gcm, err := cipher.NewGCM(block)
+	if err != nil {
+		return nil, err
+	}
+	nonce := make([]byte, gcm.NonceSize())
+	if _, err := rand.Read(nonce); err != nil {
+		return nil, err
+	}
+	return gcm.Seal(nonce, nonce, []byte(plaintext), nil), nil
+}
+
+// openAES reverses sealAES.
+func openAES(key, blob []byte) (string, error) {
+	block, err := aes.NewCipher(key)
+	if err != nil {
+		return "", err
+	}
+	gcm, err := cipher.NewGCM(block)
+	if err != nil {
+		return "", err
+	}
+	if len(blob) < gcm.NonceSize() {
+		return "", errors.New("auth: totp ciphertext too short")
+	}
+	nonce, ct := blob[:gcm.NonceSize()], blob[gcm.NonceSize():]
+	plaintext, err := gcm.Open(nil, nonce, ct, nil)
+	if err != nil {
+		return "", err
+	}
+	return string(plaintext), nil
+}
+
+// newToken16 returns a 32-char hex random token (used for TOTP pending logins).
+func newToken16() (string, error) {
+	var b [16]byte
+	if _, err := rand.Read(b[:]); err != nil {
+		return "", err
+	}
+	return hex.EncodeToString(b[:]), nil
+}
diff --git a/server/internal/auth/totp_user_test.go b/server/internal/auth/totp_user_test.go
new file mode 100644
index 0000000..a7dedc9
--- /dev/null
+++ b/server/internal/auth/totp_user_test.go
@@ -0,0 +1,75 @@
+package auth
+
+import (
+	"crypto/rand"
+	"testing"
+)
+
+func TestSealOpenAES_Roundtrip(t *testing.T) {
+	var key [32]byte
+	if _, err := rand.Read(key[:]); err != nil {
+		t.Fatal(err)
+	}
+	const secret = "JBSWY3DPEHPK3PXP" // sample base32 TOTP secret
+
+	blob, err := sealAES(key[:], secret)
+	if err != nil {
+		t.Fatalf("sealAES: %v", err)
+	}
+	if string(blob) == secret {
+		t.Fatal("ciphertext equals plaintext — not encrypted")
+	}
+
+	got, err := openAES(key[:], blob)
+	if err != nil {
+		t.Fatalf("openAES: %v", err)
+	}
+	if got != secret {
+		t.Fatalf("roundtrip mismatch: got %q want %q", got, secret)
+	}
+}
+
+func TestOpenAES_TamperAndWrongKey(t *testing.T) {
+	var key, other [32]byte
+	_, _ = rand.Read(key[:])
+	_, _ = rand.Read(other[:])
+
+	blob, err := sealAES(key[:], "secret-value")
+	if err != nil {
+		t.Fatal(err)
+	}
+
+	// Wrong key must fail (GCM auth).
+	if _, err := openAES(other[:], blob); err == nil {
+		t.Error("openAES with wrong key should fail")
+	}
+
+	// Tampered ciphertext must fail.
+	bad := append([]byte(nil), blob...)
+	bad[len(bad)-1] ^= 0xff
+	if _, err := openAES(key[:], bad); err == nil {
+		t.Error("openAES with tampered ciphertext should fail")
+	}
+
+	// Too-short blob must fail, not panic.
+	if _, err := openAES(key[:], []byte{1, 2, 3}); err == nil {
+		t.Error("openAES with short blob should fail")
+	}
+}
+
+func TestNewToken16_UniqueHex(t *testing.T) {
+	seen := make(map[string]bool, 100)
+	for i := 0; i < 100; i++ {
+		tok, err := newToken16()
+		if err != nil {
+			t.Fatal(err)
+		}
+		if len(tok) != 32 {
+			t.Fatalf("token length = %d, want 32 hex chars", len(tok))
+		}
+		if seen[tok] {
+			t.Fatalf("duplicate token: %s", tok)
+		}
+		seen[tok] = true
+	}
+}