diff --git a/src/components/DepositDialog.vue b/src/components/DepositDialog.vue
index 8b1d899..59472fb 100644
--- a/src/components/DepositDialog.vue
+++ b/src/components/DepositDialog.vue
@@ -12,14 +12,16 @@
         <div class="deposit-header-leading">
           <h2
             class="deposit-title"
-            :class="{ 'deposit-title--substep': step === 'crypto' || step === 'exchange' }"
+            :class="{ 'deposit-title--substep': step !== 'method' }"
           >
             {{
               step === 'crypto'
                 ? t('deposit.transferCrypto')
                 : step === 'exchange'
                   ? t('deposit.connectExchange')
-                  : t('deposit.title')
+                  : step === 'cash'
+                    ? t('deposit.useCash')
+                    : t('deposit.title')
             }}
           </h2>
           <span
@@ -34,9 +36,7 @@
           icon
           variant="text"
           class="close-btn"
-          :aria-label="
-            step === 'crypto' || step === 'exchange' ? t('common.back') : t('deposit.close')
-          "
+          :aria-label="step !== 'method' ? t('common.back') : t('deposit.close')"
           @click="headerClose"
         >
           <v-icon size="18">mdi-close</v-icon>
@@ -85,9 +85,31 @@
               <div class="method-card-divider" aria-hidden="true" />
               <div class="method-desc">{{ t('deposit.noLimit') }} • {{ t('deposit.twoMin') }}</div>
             </div>
+            <div
+              class="method-card"
+              role="button"
+              tabindex="0"
+              @click="selectMethod('cash')"
+              @keydown.enter.prevent="selectMethod('cash')"
+              @keydown.space.prevent="selectMethod('cash')"
+            >
+              <div class="method-card-top">
+                <div class="method-icon cash-method-icon">
+                  <v-icon size="22">mdi-cash</v-icon>
+                </div>
+                <div class="method-name">{{ t('deposit.useCash') }}</div>
+                <v-icon class="method-arrow" size="20">mdi-chevron-right</v-icon>
+              </div>
+              <div class="method-card-divider" aria-hidden="true" />
+              <div class="method-desc">{{ t('deposit.useCashSub') }}</div>
+            </div>
           </div>
         </template>
 
+        <template v-else-if="step === 'cash'">
+          <p class="cash-empty-text">{{ t('deposit.noPaymentMethodsInRegion') }}</p>
+        </template>
+
         <!-- Transfer Crypto：选择网络 + 充值地址（对齐 Pencil LFLO6） -->
         <template v-else-if="step === 'crypto'">
           <label class="crypto-field-label">{{ t('deposit.network') }}</label>
@@ -323,7 +345,7 @@ const depositAddress = ref('')
 const loading = ref(false)
 const loadError = ref('')
 
-const step = ref<'method' | 'crypto' | 'exchange'>('method')
+const step = ref<'method' | 'crypto' | 'exchange' | 'cash'>('method')
 const selectedNetwork = ref(WALLET_PRIMARY_NETWORK_ID)
 const copied = ref(false)
 const exchangeConnected = ref(false)
@@ -636,7 +658,7 @@ function close() {
 }
 
 function headerClose() {
-  if (step.value === 'crypto' || step.value === 'exchange') {
+  if (step.value !== 'method') {
     stopDepositCheck()
     step.value = 'method'
     return
@@ -644,8 +666,9 @@ function headerClose() {
   close()
 }
 
-function selectMethod(m: 'crypto' | 'exchange') {
+function selectMethod(m: 'crypto' | 'exchange' | 'cash') {
   step.value = m
+  if (m === 'cash') return
   if (m === 'exchange') {
     exchangeConnected.value = false
     selectedNetwork.value = WALLET_PRIMARY_NETWORK_ID
@@ -1302,6 +1325,10 @@ onUnmounted(() => {
   background: #dcfce7;
   color: #059669;
 }
+.cash-method-icon {
+  background: #fef3c7;
+  color: #d97706;
+}
 .method-name {
   flex: 1;
   min-width: 0;
@@ -1391,4 +1418,15 @@ onUnmounted(() => {
   text-align: center;
   padding: 8px 0 16px;
 }
+
+.cash-empty-text {
+  margin: 0;
+  padding: 32px 8px 40px;
+  text-align: center;
+  font-size: 0.875rem;
+  font-weight: 500;
+  color: #6b7280;
+  line-height: 1.5;
+  letter-spacing: normal;
+}
 </style>
diff --git a/src/locales/en.json b/src/locales/en.json
index 12a430a..5d569d5 100644
--- a/src/locales/en.json
+++ b/src/locales/en.json
@@ -386,6 +386,9 @@
     "transferCrypto": "Transfer Crypto",
     "transferCryptoSub": "No limits • Fast • Tap below to sync balance once it arrives",
     "connectExchange": "Transfer with current wallet",
+    "useCash": "Use Cash",
+    "useCashSub": "Debit card • Bank transfer",
+    "noPaymentMethodsInRegion": "There are currently no available payment methods in your region",
     "noLimit": "No limit",
     "instant": "Instant",
     "twoMin": "2 min",
diff --git a/src/locales/ja.json b/src/locales/ja.json
index c9c53c1..288c877 100644
--- a/src/locales/ja.json
+++ b/src/locales/ja.json
@@ -386,6 +386,9 @@
     "transferCrypto": "暗号資産を送金",
     "transferCryptoSub": "制限なし • 即時 • 着金後、下のボタンで残高に反映",
     "connectExchange": "現在のウォレットで送金",
+    "useCash": "Use Cash",
+    "useCashSub": "デビットカード • 銀行振込",
+    "noPaymentMethodsInRegion": "お住まいの地域では現在利用可能な支払い方法がありません",
     "noLimit": "制限なし",
     "instant": "即時",
     "twoMin": "約2分",
diff --git a/src/locales/ko.json b/src/locales/ko.json
index 4d9cf49..1a960d3 100644
--- a/src/locales/ko.json
+++ b/src/locales/ko.json
@@ -386,6 +386,9 @@
     "transferCrypto": "암호화폐 전송",
     "transferCryptoSub": "제한 없음 • 즉시 • 입금 확인 후 하단에서 잔액 동기화",
     "connectExchange": "현재 지갑으로 송금",
+    "useCash": "Use Cash",
+    "useCashSub": "직불카드 • 계좌이체",
+    "noPaymentMethodsInRegion": "현재 거주 지역에서 사용 가능한 결제 수단이 없습니다",
     "noLimit": "제한 없음",
     "instant": "즉시",
     "twoMin": "약 2분",
diff --git a/src/locales/zh-CN.json b/src/locales/zh-CN.json
index 1e45d25..5554f4d 100644
--- a/src/locales/zh-CN.json
+++ b/src/locales/zh-CN.json
@@ -386,6 +386,9 @@
     "transferCrypto": "转账加密货币",
     "transferCryptoSub": "无限制 • 即时 • 到账后可在底部一键同步余额",
     "connectExchange": "使用当前钱包转账",
+    "useCash": "Use Cash",
+    "useCashSub": "借记卡 • 银行转账",
+    "noPaymentMethodsInRegion": "您所在地区目前没有可用的付款方式",
     "noLimit": "无限制",
     "instant": "即时到账",
     "twoMin": "约 2 分钟",
diff --git a/src/locales/zh-TW.json b/src/locales/zh-TW.json
index 25d1c08..e3169a7 100644
--- a/src/locales/zh-TW.json
+++ b/src/locales/zh-TW.json
@@ -386,6 +386,9 @@
         "transferCrypto": "轉帳加密貨幣",
         "transferCryptoSub": "無限制 • 即時 • 到帳後可在底部一鍵同步餘額",
         "connectExchange": "使用當前錢包轉帳",
+        "useCash": "Use Cash",
+        "useCashSub": "借記卡 • 銀行轉帳",
+        "noPaymentMethodsInRegion": "您所在地區目前沒有可用的付款方式",
         "noLimit": "無限制",
         "instant": "即時到帳",
         "twoMin": "約 2 分鐘",