diff --git a/console/src/api/modules/pages.ts b/console/src/api/modules/pages.ts
index 59f9cc1..57f3a82 100644
--- a/console/src/api/modules/pages.ts
+++ b/console/src/api/modules/pages.ts
@@ -1,6 +1,7 @@
 // 个人主页（OPC 公开名片页）API（/pages/*，0052）
 // 复用 hall 同款 getApiUrl/getApiToken 凭据出口。
 import { getApiUrl, getApiToken } from "../config";
+import type { HallService, TalentProfile } from "./hall";
 
 function authHeaders(): Record<string, string> {
   const t = getApiToken();
@@ -35,13 +36,14 @@ export interface UserBadge {
 }
 
 export interface UserPageRender {
+  /** null 表示该用户未自定义个人主页（渲染平台默认名片）。 */
   page: {
     pageType: "html" | "embed";
     htmlContent: string;
     embedUrl: string;
     capabilities: PageCapability[];
     published: boolean;
-  };
+  } | null;
   profile: {
     nickname: string;
     avatar: string;
@@ -54,6 +56,11 @@ export interface UserPageRender {
     text: string;
   };
   ownerIsSelf: boolean;
+  /** page 为 null 时的默认名片数据（人才档案 + 已上架服务）。 */
+  default?: {
+    talent: TalentProfile | null;
+    services: HallService[];
+  };
 }
 
 export interface MyPage {
diff --git a/console/src/pages/portal/Opc/HallTalents.tsx b/console/src/pages/portal/Opc/HallTalents.tsx
index 2a48c3e..81bfd6a 100644
--- a/console/src/pages/portal/Opc/HallTalents.tsx
+++ b/console/src/pages/portal/Opc/HallTalents.tsx
@@ -1,9 +1,8 @@
-// 人才大厅：OPC + 求职者档案列表 + 详情抽屉
+// 人才大厅：OPC + 求职者档案列表，点击卡片直接跳转该用户个人主页（公开名片）
 import { useCallback, useEffect, useState } from "react";
-import { Avatar, Button, Descriptions, Drawer, Empty, Input, Segmented, Tag, message } from "antd";
+import { Avatar, Empty, Input, Segmented, Tag } from "antd";
 import { hallApi, type TalentProfile } from "../../../api/modules/hall";
 import { RequireRole } from "../../../auth/guards";
-import { useStartChat } from "../../../hooks/useStartChat";
 import { useOsRoute } from "../../../os/osRouteStore";
 import styles from "./OpcList.module.less";
 
@@ -11,11 +10,9 @@ export function HallTalentsView() {
   const [items, setItems] = useState<TalentProfile[]>([]);
   const [type, setType] = useState<string>("all");
   const [q, setQ] = useState("");
-  const [detail, setDetail] = useState<TalentProfile | null>(null);
-  const startChat = useStartChat();
   const openApp = useOsRoute((s) => s.openApp);
 
-  /** 打开该用户的个人主页（公开名片窗口）。 */
+  /** 点击人才 → 直接打开其个人主页（公开名片窗口）。 */
   const openHome = (uid: string) => openApp("core.user-home", `/user/${encodeURIComponent(uid)}`);
 
   const load = useCallback(() => {
@@ -23,14 +20,6 @@ export function HallTalentsView() {
   }, [type, q]);
   useEffect(load, [load]);
 
-  const open = async (uid: string) => {
-    try {
-      setDetail(await hallApi.talentDetail(uid));
-    } catch (err) {
-      message.error(err instanceof Error ? err.message : "加载失败");
-    }
-  };
-
   return (
     <>
         <div style={{ display: "flex", gap: 12, alignItems: "center", marginBottom: 16, flexWrap: "wrap" }}>
@@ -44,10 +33,10 @@ export function HallTalentsView() {
         ) : (
           <div className={styles.taskSquareGrid}>
             {items.map((t) => (
-              <div className={styles.taskCard} key={t.userId} style={{ cursor: "pointer" }} onClick={() => open(t.userId)}>
+              <div className={styles.taskCard} key={t.userId} style={{ cursor: "pointer" }} onClick={() => openHome(t.userId)}>
                 <div className={styles.taskHeader}>
                   <div className={styles.taskTitleRow}>
-                    <Avatar style={{ background: "var(--color-primary)" }}>{(t.displayName || "·").slice(0, 1)}</Avatar>
+                    <Avatar src={t.avatar || undefined} style={{ background: "var(--color-primary)" }}>{(t.displayName || "·").slice(0, 1)}</Avatar>
                     <div className={styles.taskTitle}>
                       {t.displayName}
                       <Tag style={{ marginLeft: 8 }} color={t.talentType === "seeker" ? "blue" : "volcano"}>
@@ -72,41 +61,6 @@ export function HallTalentsView() {
             ))}
           </div>
         )}
-
-        <Drawer open={!!detail} onClose={() => setDetail(null)} title={detail?.displayName} width={440}>
-          {detail && (
-            <>
-              <Descriptions column={2} size="small" bordered>
-                <Descriptions.Item label="类型">{detail.talentType === "seeker" ? "求职者" : "OPC"}</Descriptions.Item>
-                <Descriptions.Item label="地区">{detail.region || "云南"}</Descriptions.Item>
-                <Descriptions.Item label="工作年限">{detail.workYears ?? 0} 年</Descriptions.Item>
-                <Descriptions.Item label="案例">{detail.casesCount ?? 0} 例</Descriptions.Item>
-                {detail.opcCertified && <Descriptions.Item label="认证"><Tag color="gold">OPC 认证</Tag></Descriptions.Item>}
-              </Descriptions>
-              <p style={{ whiteSpace: "pre-wrap", marginTop: 16 }}>{detail.bio}</p>
-              {(detail.services ?? []).length > 0 && (
-                <>
-                  <h4>TA 的服务</h4>
-                  {detail.services!.map((s) => (
-                    <div key={s.id} style={{ padding: "8px 0", borderBottom: "1px solid rgba(0,0,0,0.06)" }}>
-                      <b>{s.title}</b>
-                      <span style={{ color: "#fa541c", marginLeft: 8 }}>{s.price ? `¥${s.price}` : "面议"}</span>
-                    </div>
-                  ))}
-                </>
-              )}
-              {!detail.contactOk && <p style={{ color: "rgba(0,0,0,0.45)" }}>该人才暂未开放联系方式，可通过沟通发起连接。</p>}
-              <div style={{ display: "flex", gap: 8, marginTop: 16 }}>
-                <Button type="primary" style={{ flex: 1 }} onClick={() => void startChat(detail.userId)}>
-                  发起沟通
-                </Button>
-                <Button style={{ flex: 1 }} onClick={() => openHome(detail.userId)}>
-                  查看主页
-                </Button>
-              </div>
-            </>
-          )}
-        </Drawer>
     </>
   );
 }
diff --git a/console/src/pages/portal/Opc/UserHome.module.less b/console/src/pages/portal/Opc/UserHome.module.less
index bb2c672..37bf1a5 100644
--- a/console/src/pages/portal/Opc/UserHome.module.less
+++ b/console/src/pages/portal/Opc/UserHome.module.less
@@ -89,6 +89,139 @@
   background: #fff;
 }
 
+/* ── 平台默认名片（用户未自定义主页时）────────── */
+.defaultBody {
+  flex: 1;
+  min-height: 0;
+  overflow-y: auto;
+  padding: 16px 18px 28px;
+  background: var(--color-bg-layout, #f5f5f5);
+  scrollbar-width: none;
+  -ms-overflow-style: none;
+
+  &::-webkit-scrollbar {
+    display: none;
+  }
+}
+
+.profileCard {
+  background: #fff;
+  border: 1px solid rgba(0, 0, 0, 0.06);
+  border-radius: 12px;
+  padding: 16px;
+}
+
+.profileHeader {
+  display: flex;
+  align-items: flex-start;
+  justify-content: space-between;
+  gap: 12px;
+}
+
+.profileHeadline {
+  font-size: 15px;
+  font-weight: 600;
+  color: #1a1b1c;
+  line-height: 1.4;
+}
+
+.profileMeta {
+  margin-top: 4px;
+  font-size: 12px;
+  color: #8a8f98;
+}
+
+.profileBio {
+  margin: 12px 0 0;
+  font-size: 13px;
+  color: #3a3f45;
+  line-height: 1.7;
+  white-space: pre-wrap;
+}
+
+.tagRow {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 6px;
+  margin-top: 12px;
+}
+
+.section {
+  margin-top: 18px;
+}
+
+.sectionTitle {
+  font-size: 14px;
+  font-weight: 600;
+  color: #1a1b1c;
+  margin-bottom: 10px;
+}
+
+.serviceGrid {
+  display: grid;
+  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
+  gap: 12px;
+}
+
+.serviceCard {
+  background: #fff;
+  border: 1px solid rgba(0, 0, 0, 0.06);
+  border-radius: 12px;
+  overflow: hidden;
+  display: flex;
+  flex-direction: column;
+}
+
+.serviceCover {
+  width: 100%;
+  height: 96px;
+  object-fit: cover;
+  background: #eef0f3;
+}
+
+.serviceTitle {
+  font-size: 13px;
+  font-weight: 600;
+  color: #1a1b1c;
+  padding: 10px 12px 0;
+}
+
+.serviceTags {
+  padding: 4px 12px 0;
+  font-size: 11px;
+  color: #3b6fd4;
+}
+
+.serviceDesc {
+  padding: 6px 12px 0;
+  font-size: 12px;
+  color: #6b7280;
+  line-height: 1.6;
+  display: -webkit-box;
+  -webkit-line-clamp: 2;
+  -webkit-box-orient: vertical;
+  overflow: hidden;
+  flex: 1;
+}
+
+.serviceFooter {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  padding: 10px 12px;
+}
+
+.servicePrice {
+  font-size: 14px;
+  font-weight: 600;
+  color: #fa541c;
+}
+
+.serviceMeta {
+  font-size: 11px;
+  color: #8a8f98;
+}
+
 /* ── 底部说明条 ──────────────────────────────── */
 .noticeConnected,
 .noticeWarn {
diff --git a/console/src/pages/portal/Opc/UserHomePage.tsx b/console/src/pages/portal/Opc/UserHomePage.tsx
index 6ee3e9a..d8d1abd 100644
--- a/console/src/pages/portal/Opc/UserHomePage.tsx
+++ b/console/src/pages/portal/Opc/UserHomePage.tsx
@@ -4,10 +4,11 @@
 // 「更多选项 + 返回」标准胶囊按钮，底部展示能力接入说明或数据核实提醒。
 import { useCallback, useEffect, useRef, useState } from "react";
 import { useParams } from "react-router-dom";
-import { Avatar, Button, Dropdown, Empty, Input, Modal, Segmented, Spin, Switch, message } from "antd";
+import { Avatar, Button, Dropdown, Empty, Input, Modal, Segmented, Spin, Switch, Tag, message } from "antd";
 import type { MenuProps } from "antd";
-import { Edit3, RefreshCw, X } from "lucide-react";
+import { Edit3, MessageCircle, RefreshCw, X } from "lucide-react";
 import { pagesApi, type PageCapability, type UserPageRender } from "../../../api/modules/pages";
+import { useStartChat } from "../../../hooks/useStartChat";
 import { useOsWindows } from "../../../os/osWindowStore";
 import styles from "./UserHome.module.less";
 
@@ -25,6 +26,7 @@ const CAP_PRESETS: { key: string; name: string; desc: string }[] = [
 export default function UserHomePage() {
   const { uid = "" } = useParams();
   const close = useOsWindows((s) => s.close);
+  const startChat = useStartChat();
   const [data, setData] = useState<UserPageRender | null>(null);
   const [error, setError] = useState<string | null>(null);
   const [loading, setLoading] = useState(true);
@@ -65,7 +67,7 @@ export default function UserHomePage() {
   const pushIdentity = useCallback(() => {
     const d = dataRef.current;
     const frame = iframeRef.current?.contentWindow;
-    if (!d || !frame) return;
+    if (!d || !frame || !d.page) return;
     frame.postMessage(
       {
         __opcBridge: true,
@@ -102,15 +104,14 @@ export default function UserHomePage() {
     close(HOME_ROUTE_ID);
   }, [close]);
 
-  /** 打开编辑弹窗，回填当前页（仅本人）。 */
+  /** 打开编辑弹窗，回填当前页（仅本人；无页时按新建处理）。 */
   const openEditor = useCallback(() => {
     const p = dataRef.current?.page;
-    if (!p) return;
-    setEditType(p.pageType);
-    setEditHtml(p.htmlContent || "");
-    setEditUrl(p.embedUrl || "");
-    setEditCaps((p.capabilities || []).map((c) => c.key));
-    setEditPublished(p.published);
+    setEditType(p?.pageType ?? "html");
+    setEditHtml(p?.htmlContent || "");
+    setEditUrl(p?.embedUrl || "");
+    setEditCaps((p?.capabilities || []).map((c) => c.key));
+    setEditPublished(p?.published ?? false);
     setEditOpen(true);
   }, []);
 
@@ -167,8 +168,10 @@ export default function UserHomePage() {
     );
   }
 
-  const { profile, page, notice } = data;
-  const isHtml = page.pageType === "html";
+  const { profile, notice } = data;
+  const page = data.page;
+  const def = data.default;
+  const isHtml = page?.pageType === "html";
   // 安全沙箱：
   // - html 模式：不含 allow-same-origin，脚本运行在独特源，无法触达父页 DOM/存储；
   //   平台能力经 postMessage 桥提供。
@@ -206,25 +209,83 @@ export default function UserHomePage() {
         </div>
         {data.ownerIsSelf && (
           <Button size="small" icon={<Edit3 size={13} />} onClick={openEditor} className={styles.editBtn}>
-            编辑主页
+            {page ? "编辑主页" : "创建主页"}
           </Button>
         )}
       </div>
 
-      {/* 内容区：iframe（自写 HTML 沙箱 / 第三方网页嵌入） */}
-      <div className={styles.body}>
-        <iframe
-          key={frameKey}
-          ref={iframeRef}
-          className={styles.frame}
-          title="个人主页"
-          sandbox={sandbox}
-          referrerPolicy="no-referrer"
-          src={isHtml ? undefined : page.embedUrl || undefined}
-          srcDoc={isHtml ? page.htmlContent : undefined}
-          onLoad={pushIdentity}
-        />
-      </div>
+      {/* 内容区：有自定义主页 → iframe 渲染；无 → 平台默认名片（基础资料 + 服务） */}
+      {page ? (
+        <div className={styles.body}>
+          <iframe
+            key={frameKey}
+            ref={iframeRef}
+            className={styles.frame}
+            title="个人主页"
+            sandbox={sandbox}
+            referrerPolicy="no-referrer"
+            src={isHtml ? undefined : page.embedUrl || undefined}
+            srcDoc={isHtml ? page.htmlContent : undefined}
+            onLoad={pushIdentity}
+          />
+        </div>
+      ) : (
+        <div className={styles.defaultBody}>
+          {def?.talent && (
+            <div className={styles.profileCard}>
+              <div className={styles.profileHeader}>
+                <div style={{ minWidth: 0 }}>
+                  <div className={styles.profileHeadline}>{def.talent.headline || "这位 OPC 还没有写自我介绍"}</div>
+                  <div className={styles.profileMeta}>
+                    {(def.talent.region || "云南")}
+                    {def.talent.workYears ? ` · ${def.talent.workYears} 年经验` : ""}
+                    {def.talent.education ? ` · ${def.talent.education}` : ""}
+                  </div>
+                </div>
+                <Button type="primary" icon={<MessageCircle size={14} />} onClick={() => void startChat(uid)}>
+                  发起沟通
+                </Button>
+              </div>
+              {def.talent.bio && <p className={styles.profileBio}>{def.talent.bio}</p>}
+              {(def.talent.fields?.length || def.talent.skills?.length) ? (
+                <div className={styles.tagRow}>
+                  {(def.talent.fields || []).map((x) => <Tag key={x}>{x}</Tag>)}
+                  {(def.talent.skills || []).slice(0, 8).map((x) => <Tag key={x} color="geekblue">{x}</Tag>)}
+                </div>
+              ) : null}
+            </div>
+          )}
+
+          <div className={styles.section}>
+            <div className={styles.sectionTitle}>TA 的服务</div>
+            {def?.services?.length ? (
+              <div className={styles.serviceGrid}>
+                {def.services.map((s) => (
+                  <div key={s.id} className={styles.serviceCard}>
+                    {s.cover && <img className={styles.serviceCover} src={s.cover} alt="" />}
+                    <div className={styles.serviceTitle}>{s.title}</div>
+                    {s.tags && <div className={styles.serviceTags}>{s.tags}</div>}
+                    <div className={styles.serviceDesc}>{s.description}</div>
+                    <div className={styles.serviceFooter}>
+                      <span className={styles.servicePrice}>{s.price ? `¥${s.price}` : "面议"}</span>
+                      <span className={styles.serviceMeta}>
+                        {s.deliveryDays ? `${s.deliveryDays} 天交付` : ""}
+                        {s.orderCount ? ` · ${s.orderCount} 单` : ""}
+                      </span>
+                    </div>
+                  </div>
+                ))}
+              </div>
+            ) : (
+              <Empty description="暂无上架服务" imageStyle={{ height: 44 }} style={{ padding: "32px 0" }} />
+            )}
+          </div>
+
+          {!def?.talent && (
+            <Empty description="该用户暂未完善人才档案与公开信息" imageStyle={{ height: 48 }} style={{ padding: 48 }} />
+          )}
+        </div>
+      )}
 
       {/* 底部说明：接入能力 → 平台实时数据；未接入 → 提醒核实 */}
       <div className={notice.type === "connected" ? styles.noticeConnected : styles.noticeWarn}>