diff --git a/app/controller/api/user/User.php b/app/controller/api/user/User.php
index 6ee0253..367d71f 100644
--- a/app/controller/api/user/User.php
+++ b/app/controller/api/user/User.php
@@ -477,6 +477,9 @@ class User extends BaseController
                 $user = app()->make(UserRepository::class)->get($uid);
                 $integralMake = app()->make(\app\common\repositories\user\IntegralRepository::class);
                 $bills = [];
+                // 判断：是否允许转换
+                $holdIntegral = $integralMake->getMerIntegral((int)$uid,(int)$merId);
+                if($holdIntegral < $convertIntegral) throw new Exception('转换失败，持有积分不足！');
                 // 计算转换后的积分  应得平台积分
                 $convertAfterIntegral = (float)sprintf("%.2f",$convertIntegral * $mer_integral_platform_rate);
                 // 减少商户积分