diff --git a/mateclaw-server/src/main/java/vip/mate/channel/web/ChatController.java b/mateclaw-server/src/main/java/vip/mate/channel/web/ChatController.java
index 283551dd..c2042a57 100644
--- a/mateclaw-server/src/main/java/vip/mate/channel/web/ChatController.java
+++ b/mateclaw-server/src/main/java/vip/mate/channel/web/ChatController.java
@@ -1248,6 +1248,9 @@ public class ChatController {
                     String phase = String.valueOf(delta.eventData().getOrDefault("phase", ""));
                     if (!phase.isBlank()) {
                         streamTracker.updatePhase(conversationId, phase);
+                        // 关键：phase 变化时关闭 running 的 content/thinking segments
+                        // 让每个阶段（reasoning → tool → summarize → final answer）的文字成为独立 segment
+                        closeRunningSegments("content", "thinking");
                     }
                 }
                 // 累积工具调用事件，用于持久化到消息历史
diff --git a/mateclaw-ui/src/components/chat/ContentSegment.vue b/mateclaw-ui/src/components/chat/ContentSegment.vue
index 038fa4a5..db792060 100644
--- a/mateclaw-ui/src/components/chat/ContentSegment.vue
+++ b/mateclaw-ui/src/components/chat/ContentSegment.vue
@@ -1,33 +1,103 @@
 <script setup lang="ts">
-import { computed } from 'vue'
+import { ref, computed } from 'vue'
+import { ArrowDown, InfoFilled } from '@element-plus/icons-vue'
 import { useMarkdownRenderer } from '@/composables/useMarkdownRenderer'
 import TypingCursor from './TypingCursor.vue'
 import type { MessageSegment } from '@/types'
 
-const props = defineProps<{
+const props = withDefaults(defineProps<{
   segment: MessageSegment
   showCursor?: boolean
-}>()
-
-const { renderMarkdown } = useMarkdownRenderer()
-
-const renderedContent = computed(() => {
-  return renderMarkdown(props.segment.text || '')
+  /** 是否是最后一个 content segment（最终回答） */
+  isLast?: boolean
+}>(), {
+  showCursor: false,
+  isLast: true,
 })
 
+const { renderMarkdown } = useMarkdownRenderer()
+const expanded = ref(props.isLast) // 最终回答默认展开，中间摘要默认折叠
+
+const renderedContent = computed(() => renderMarkdown(props.segment.text || ''))
 const isRunning = computed(() => props.segment.status === 'running')
+const isIntermediate = computed(() => !props.isLast)
+
+const textLength = computed(() => {
+  const len = props.segment.text?.length || 0
+  return len < 1000 ? `${len} 字` : `${(len / 1000).toFixed(1)}k 字`
+})
 </script>
 
 <template>
-  <div class="segment segment--content">
-    <div class="markdown-body" v-html="renderedContent"></div>
-    <TypingCursor v-if="isRunning && showCursor" />
+  <div class="seg-content" :class="{ 'is-intermediate': isIntermediate }">
+    <!-- 中间推理摘要：折叠式显示 -->
+    <div v-if="isIntermediate" class="seg-content__header" @click="expanded = !expanded">
+      <el-icon class="seg-content__info-icon" :size="13"><InfoFilled /></el-icon>
+      <span class="seg-content__label">中间推理总结</span>
+      <span class="seg-content__hint">{{ textLength }}</span>
+      <el-icon class="seg-content__arrow" :class="{ 'is-open': expanded }" :size="11"><ArrowDown /></el-icon>
+    </div>
+
+    <!-- 内容体 -->
+    <Transition name="seg-slide">
+      <div v-if="expanded || isLast" class="seg-content__body">
+        <div class="markdown-body" v-html="renderedContent"></div>
+        <TypingCursor v-if="isRunning && showCursor" />
+      </div>
+    </Transition>
   </div>
 </template>
 
 <style scoped>
-.segment--content {
-  padding: 4px 0;
-  margin-top: 4px;
+.seg-content {
+  padding: 2px 0;
+}
+.seg-content.is-intermediate {
+  margin: 3px 0;
+  border-radius: 8px;
+  border: 1px solid var(--mc-border-light);
+  background: var(--mc-bg-muted);
+  overflow: hidden;
+}
+.seg-content__header {
+  display: flex;
+  align-items: center;
+  gap: 6px;
+  padding: 6px 12px;
+  font-size: 13px;
+  cursor: pointer;
+  color: var(--mc-text-tertiary);
+  user-select: none;
+  transition: color 0.15s;
+}
+.seg-content__header:hover {
+  color: var(--mc-text-secondary);
+}
+.seg-content__info-icon {
+  color: var(--mc-primary-light);
+}
+.seg-content__label {
+  font-weight: 500;
+  flex: 1;
+}
+.seg-content__hint {
+  font-size: 11px;
+}
+.seg-content__arrow {
+  transition: transform 0.2s;
+}
+.seg-content__arrow.is-open {
+  transform: rotate(180deg);
+}
+.is-intermediate .seg-content__body {
+  padding: 0 12px 8px;
+}
+
+.seg-slide-enter-active, .seg-slide-leave-active {
+  transition: all 0.2s ease;
+}
+.seg-slide-enter-from, .seg-slide-leave-to {
+  opacity: 0;
+  transform: translateY(-4px);
 }
 </style>
diff --git a/mateclaw-ui/src/components/chat/MessageBubble.vue b/mateclaw-ui/src/components/chat/MessageBubble.vue
index ba526a32..67c39282 100644
--- a/mateclaw-ui/src/components/chat/MessageBubble.vue
+++ b/mateclaw-ui/src/components/chat/MessageBubble.vue
@@ -21,10 +21,10 @@
         <!-- ===== 分段式渲染模式（Claude Code 风格）===== -->
         <template v-if="useSegmentedView">
           <div class="segments-view">
-            <template v-for="seg in segments" :key="seg.id">
+            <template v-for="(seg, index) in segments" :key="seg.id">
               <ThinkingSegment v-if="seg.type === 'thinking'" :segment="seg" />
               <ToolCallSegment v-if="seg.type === 'tool_call'" :segment="seg" />
-              <ContentSegment v-if="seg.type === 'content'" :segment="seg" :show-cursor="showCursor && seg.status === 'running'" />
+              <ContentSegment v-if="seg.type === 'content'" :segment="seg" :is-last="index === segments.length - 1" :show-cursor="showCursor && seg.status === 'running'" />
             </template>
           </div>
         </template>