diff --git a/frontend/components/RateCard.tsx b/frontend/components/RateCard.tsx
index 667ed96..a363b94 100644
--- a/frontend/components/RateCard.tsx
+++ b/frontend/components/RateCard.tsx
@@ -19,9 +19,16 @@ export default function RateCard({ asset, data }: Props) {
     ? "bg-emerald-50 text-emerald-700 border border-emerald-200"
     : "bg-red-50 text-red-600 border border-red-200";
 
-  const nextTime = data?.nextFundingTime
-    ? new Date(data.nextFundingTime).toLocaleTimeString("zh-CN", { hour: "2-digit", minute: "2-digit" })
-    : "--";
+  const nextTime = (() => {
+    if (!data?.nextFundingTime) return "--";
+    // 转北京时间（UTC+8）
+    const ts = data.nextFundingTime;
+    const bjt = new Date(ts + 8 * 3600 * 1000);
+    const now = new Date(Date.now() + 8 * 3600 * 1000);
+    const isToday = bjt.getUTCDate() === now.getUTCDate() && bjt.getUTCMonth() === now.getUTCMonth();
+    const hhmm = `${String(bjt.getUTCHours()).padStart(2,"0")}:${String(bjt.getUTCMinutes()).padStart(2,"0")}`;
+    return isToday ? hhmm : `明天 ${hhmm}`;
+  })();
 
   return (
     <div className="rounded-xl border border-slate-200 bg-white shadow-sm p-6 space-y-4">