diff --git a/src/services/aiService.ts b/src/services/aiService.ts
index affd832..e597723 100644
--- a/src/services/aiService.ts
+++ b/src/services/aiService.ts
@@ -326,64 +326,31 @@ export async function getDailyInsight(context: DailyInsightContext): Promise<{ s
     return dailyInsightCache.data;
   }
 
+  // Calculate auxiliary data to verify context richness
   const weekday = new Date().toLocaleDateString('zh-CN', { weekday: 'long' });
   const weekDiff = context.lastWeekSpend !== undefined ? (context.todaySpend - context.lastWeekSpend) : 0;
 
-  const prompt = `System: 你是 Novault 首席财务AI，也是用户的贴身管家。你的点评需要非常有温度、有依据。
-Context:
-- 今天是: ${weekday}
-- 连续记账: ${context.streakDays || 0} 天
-- 今日支出: ${context.todaySpend} 
-  - 对比昨日: ${context.yesterdaySpend}
-  - 对比上周同日: ${context.lastWeekSpend || '无数据'} (差额: ${weekDiff})
-- 月预算: ${context.monthlyBudget} (已用: ${context.monthlySpent}, 进度: ${(context.monthlySpent / (context.monthlyBudget || 1) * 100).toFixed(0)}%)
-- 月时间进度: ${(context.monthProgress * 100).toFixed(0)}%
-- 今日支出之王: ${context.topCategory ? `【${context.topCategory.name}】 ¥${context.topCategory.amount}` : '无'}
-- 今日最大一笔: ${context.maxTransaction ? `${context.maxTransaction.note || '未备注'} (¥${context.maxTransaction.amount})` : '无'}
-
-Task:
-请输出 JSON 对象（无 markdown 标记）：
-1. "spending": 针对今日支出的点评（40字内）。
-   - 必须结合【${weekday}】的场景（如周五可以放松，周一要收心）。
-   - 如果有【连续记账】成就（>3天），请顺带夸奖。
-   - 如果对比上周同日波动大，请指出。
-   - 结合最大支出进行调侃。
-   
-2. "budget": 针对预算状况的建议（40字内）。
-   - 结合月度进度，给出具体行动指南。
-`;
+  // Prepare enriched context for the backend
+  // We format some fields to help the AI understand better (like percentages)
+  const enrichedContext = {
+    ...context,
+    weekday,
+    weekDiff,
+    date: new Date().toLocaleDateString('zh-CN'),
+    monthProgressPercent: `${(context.monthProgress * 100).toFixed(0)}%`,
+    budgetUsedPercent: `${(context.monthlySpent / (context.monthlyBudget || 1) * 100).toFixed(0)}%`
+  };
 
   try {
-    const response = await sendChatMessage(prompt);
+    // IMPORTANT: Use dedicated insight endpoint (/ai/insight) instead of chat (/ai/chat).
+    // The chat endpoint uses ParseIntent which tries to map response to transaction params,
+    // causing it to drop "spending" and "budget" fields and fail.
+    const response = await api.post<ApiResponse<{ spending: string; budget: string }>>('/ai/insight', {
+      context_data: enrichedContext,
+    });
 
-    if (response.message) {
-      let content = response.message.trim();
-
-      // Extract JSON object using regex to handle potential markdown or extra text
-      const jsonMatch = content.match(/\{[\s\S]*\}/);
-      if (jsonMatch) {
-        content = jsonMatch[0];
-      } else {
-        // Fallback cleanup if regex fails but it might still be JSON-ish
-        content = content.replace(/^```json\s*/, '').replace(/\s*```$/, '');
-      }
-
-      let parsed;
-      try {
-        parsed = JSON.parse(content);
-      } catch (e) {
-        console.warn('AI returned invalid JSON, falling back to raw text split or default', content);
-        // Fallback: simple split if possible or default
-        parsed = {
-          spending: content.slice(0, 50) + '...',
-          budget: 'AI 分析数据格式异常，请稍后再试。'
-        };
-      }
-
-      const result = {
-        spending: parsed.spending || '暂无点评',
-        budget: parsed.budget || '暂无建议'
-      };
+    if (response.success && response.data) {
+      const result = response.data;
 
       // Update Cache
       dailyInsightCache = {
@@ -394,10 +361,17 @@ Task:
 
       return result;
     }
-    throw new Error('No insight received');
+
+    // Fallback if success is false but no error thrown
+    throw new Error(response.error || 'Failed to get insight');
+
   } catch (error) {
     console.error('Failed to get AI insight:', error);
-    throw error;
+    // Return fallback data instead of throwing to prevent UI crash
+    return {
+      spending: 'AI 暂时无法分析您的支出',
+      budget: '请稍后再试',
+    };
   }
 }