diff --git a/python-api/app/api/v1/image.py b/python-api/app/api/v1/image.py
index 1bd5bc6..253dc28 100644
--- a/python-api/app/api/v1/image.py
+++ b/python-api/app/api/v1/image.py
@@ -7,17 +7,20 @@
 
 import io
 import logging
+import time
 import uuid
 from pathlib import Path
 
 import httpx
 from fastapi import APIRouter, Depends, File, HTTPException, Request, UploadFile
 from pydantic import BaseModel, Field
+from sqlalchemy.ext.asyncio import AsyncSession
 
-from app.api.deps import get_current_user
+from app.api.deps import get_current_user, get_db
 from app.config import get_settings
 from app.models.user import User
 from app.schemas.common import ApiResponse, success_response
+from app.services import point_service as ps
 from app.services.qiniu_service import get_qiniu_service
 from app.services.volcengine_mediakit_service import VolcengineMediakitService
 from app.utils.file_validation import check_upload_file
@@ -163,12 +166,23 @@ async def remove_background(
     req: RemoveBackgroundRequest,
     current_user: User = Depends(get_current_user),
     mediakit_service: VolcengineMediakitService = Depends(get_mediakit_service),
+    db: AsyncSession = Depends(get_db),
 ) -> ApiResponse[RemoveBackgroundResponse]:
     """
     AI 抠图（火山引擎 MediaKit）
 
     移除图片背景，返回透明背景图片 URL。
+    每次调用消耗 10 积分。
     """
+    # 前置积分检查
+    required_points = ps._calculate_cost("cover_avatar")
+    check = await ps.check_balance(db, current_user.id, required_points)
+    if not check["sufficient"]:
+        raise HTTPException(
+            status_code=402,
+            detail=f"积分不足，需要 {required_points} 积分，当前余额 {check['balance']}",
+        )
+
     try:
         logger.info(
             f"[RemoveBackground] 开始抠图: image_url={req.image_url[:80]}..., scene={req.scene}"
@@ -216,6 +230,17 @@ async def remove_background(
 
             logger.info(f"[RemoveBackground] 结果已转存七牛云: {qiniu_url[:80]}...")
 
+            # 后置扣费（服务已调用成功）
+            await ps.consume(
+                db,
+                user_id=current_user.id,
+                points=required_points,
+                source_type="cover_avatar",
+                source_id=f"cover_avatar_{current_user.id}_{int(time.time() * 1000)}",
+                description="【封面形象抠图】",
+            )
+            await db.commit()
+
             return success_response(
                 data=RemoveBackgroundResponse(url=qiniu_url),
                 message="抠图成功",
diff --git a/python-api/app/services/point_service.py b/python-api/app/services/point_service.py
index 9820020..0e5d79e 100644
--- a/python-api/app/services/point_service.py
+++ b/python-api/app/services/point_service.py
@@ -329,6 +329,7 @@ _CATEGORY_MAP: dict[str, str] = {
     "compose": "压制成片",
     "subtitle_burn": "字幕烧录",
     "cover_design": "封面设计",
+    "cover_avatar": "封面形象",
     "wxpay": "充值",
     "compensation": "充值",
     "invite": "充值",
diff --git a/python-api/config/points-config.yaml b/python-api/config/points-config.yaml
index fefc61d..6e4c736 100644
--- a/python-api/config/points-config.yaml
+++ b/python-api/config/points-config.yaml
@@ -29,6 +29,9 @@ fixed_costs:
   # 封面设计：根据视频内容自动生成封面图
   cover_design: 5
 
+  # 封面形象：上传人物照片 AI 抠图生成透明背景形象
+  cover_avatar: 10
+
   # 压制成片：将多个素材片段合并为最终视频（FFmpeg 拼接）
   compose: 5
 
diff --git a/tauri-app/src/pages/ContentManagement/CoverAvatarLibrary.tsx b/tauri-app/src/pages/ContentManagement/CoverAvatarLibrary.tsx
index f1dfa3c..1bcd4c1 100644
--- a/tauri-app/src/pages/ContentManagement/CoverAvatarLibrary.tsx
+++ b/tauri-app/src/pages/ContentManagement/CoverAvatarLibrary.tsx
@@ -103,8 +103,13 @@ export default function CoverAvatarLibrary() {
       toast.success(`「${avatar.name}」已保存`);
     } catch (err) {
       const msg = err instanceof Error ? err.message : '上传失败';
-      progress.error(msg);
-      toast.error(msg);
+      if (msg.includes('积分不足')) {
+        progress.error('积分不足');
+        toast.error('积分不足，每次上传封面形象消耗 10 积分，请先充值');
+      } else {
+        progress.error(msg);
+        toast.error(msg);
+      }
     }
 
     setUploadName('');
@@ -256,15 +261,20 @@ export default function CoverAvatarLibrary() {
             </div>
           </div>
 
-          <div style={{ display: 'flex', gap: 12, justifyContent: 'flex-end' }}>
-            <button className="btn btn-secondary" onClick={resetUploadModal}>取消</button>
-            <button
-              className="btn btn-primary"
-              onClick={handleUpload}
-              disabled={!uploadName.trim() || !selectedFile}
-            >
-              上传并抠图
-            </button>
+          <div style={{ display: 'flex', alignItems: 'center', justifyContent: 'space-between' }}>
+            <span style={{ fontSize: 'var(--font-xs)', color: 'var(--text-tertiary)' }}>
+              每次上传消耗 <strong style={{ color: 'var(--primary)' }}>10</strong> 积分
+            </span>
+            <div style={{ display: 'flex', gap: 12 }}>
+              <button className="btn btn-secondary" onClick={resetUploadModal}>取消</button>
+              <button
+                className="btn btn-primary"
+                onClick={handleUpload}
+                disabled={!uploadName.trim() || !selectedFile}
+              >
+                上传并抠图
+              </button>
+            </div>
           </div>
         </div>
       </Modal>