diff --git a/src/daemon/cache.rs b/src/daemon/cache.rs
index 9801396..5ad8a14 100644
--- a/src/daemon/cache.rs
+++ b/src/daemon/cache.rs
@@ -59,6 +59,51 @@ impl DbCache {
         self.cache_dir.join(format!("{}.db", hash))
     }
 
+    pub async fn needs_refresh(&self, rel_key: &str) -> bool {
+        if !self.all_keys.contains_key(rel_key) {
+            return false;
+        }
+
+        let db_path = self.db_dir.join(
+            rel_key.replace('\\', std::path::MAIN_SEPARATOR_STR)
+                .replace('/', std::path::MAIN_SEPARATOR_STR),
+        );
+        if !db_path.exists() {
+            return false;
+        }
+
+        let wal_path = wal_path_for(&db_path);
+        let db_mt = mtime_nanos(&db_path);
+        let wal_mt = if wal_path.exists() { mtime_nanos(&wal_path) } else { 0 };
+
+        let inner = self.inner.lock().await;
+        match inner.get(rel_key) {
+            Some(entry) => {
+                entry.db_mtime != db_mt
+                    || entry.wal_mtime != wal_mt
+                    || !entry.decrypted_path.exists()
+            }
+            None => true,
+        }
+    }
+
+    pub fn message_db_keys(&self) -> Vec<String> {
+        let mut keys: Vec<String> = self
+            .all_keys
+            .keys()
+            .filter(|k| {
+                let normalized = k.replace('\\', "/");
+                normalized.contains("message/message_")
+                    && normalized.ends_with(".db")
+                    && !normalized.contains("_fts")
+                    && !normalized.contains("_resource")
+            })
+            .cloned()
+            .collect();
+        keys.sort();
+        keys
+    }
+
     /// 从持久化文件加载 mtime 记录，复用未过期的解密文件
     async fn load_persistent(&self) {
         let mtime_file = config::mtime_file();
diff --git a/src/daemon/mod.rs b/src/daemon/mod.rs
index 02dc99f..bec6359 100644
--- a/src/daemon/mod.rs
+++ b/src/daemon/mod.rs
@@ -48,16 +48,6 @@ async fn async_run() -> Result<()> {
     // 初始化 DbCache
     let db = Arc::new(cache::DbCache::new(cfg.db_dir.clone(), all_keys.clone()).await?);
 
-    // 收集消息 DB 列表
-    let msg_db_keys: Vec<String> = all_keys.keys()
-        .filter(|k| {
-            let k = k.replace('\\', "/");
-            k.contains("message/message_") && k.ends_with(".db")
-                && !k.contains("_fts") && !k.contains("_resource")
-        })
-        .cloned()
-        .collect();
-
     // 预热：加载联系人 + 解密 session.db
     eprintln!("[daemon] 预热...");
     let names_raw = query::load_names(&*db).await.unwrap_or_else(|e| {
@@ -65,12 +55,11 @@ async fn async_run() -> Result<()> {
         query::Names {
             map: HashMap::new(),
             md5_to_uname: HashMap::new(),
-            msg_db_keys: Vec::new(),
+            msg_db_keys: db.message_db_keys(),
             verify_flags: HashMap::new(),
         }
     });
-    let mut names = names_raw;
-    names.msg_db_keys = msg_db_keys;
+    let names = names_raw;
 
     let _ = db.get("session/session.db").await;
     let _ = db.get("sns/sns.db").await;
diff --git a/src/daemon/query.rs b/src/daemon/query.rs
index 18cf28e..5daabfe 100644
--- a/src/daemon/query.rs
+++ b/src/daemon/query.rs
@@ -106,7 +106,7 @@ pub async fn load_names(db: &DbCache) -> Result<Names> {
         .map(|u| (format!("{:x}", md5::compute(u.as_bytes())), u.clone()))
         .collect();
 
-    Ok(Names { map, md5_to_uname, msg_db_keys: Vec::new(), verify_flags })
+    Ok(Names { map, md5_to_uname, msg_db_keys: db.message_db_keys(), verify_flags })
 }
 
 /// 查询最近会话列表
diff --git a/src/daemon/server.rs b/src/daemon/server.rs
index 896a08e..52472b7 100644
--- a/src/daemon/server.rs
+++ b/src/daemon/server.rs
@@ -4,7 +4,7 @@ use tokio::io::{AsyncBufReadExt, AsyncWriteExt, BufReader};
 
 use crate::ipc::{Request, Response};
 use super::cache::DbCache;
-use super::query::Names;
+use super::query::{self, Names};
 
 /// 启动 IPC server（Unix socket / Windows named pipe）
 pub async fn serve(
@@ -147,15 +147,8 @@ async fn dispatch(
     names: &tokio::sync::RwLock<Arc<Names>>,
 ) -> Response {
     use crate::ipc::Request::*;
-    use super::query;
 
-    // 取 guard → O(1) clone Arc → 立即 drop 锁。后续 await 期间不持有锁，
-    // 多个并发 IPC 请求可以真正并行。Names 本身不可变（由 daemon 启动时
-    // 一次性构建），共享 Arc 即可。
-    let names_arc: Arc<Names> = {
-        let guard = names.read().await;
-        Arc::clone(&*guard)
-    };
+    let names_arc = current_names(db, names).await;
 
     match req {
         Ping => Response::ok(serde_json::json!({ "pong": true })),
@@ -233,3 +226,34 @@ async fn dispatch(
         }
     }
 }
+
+async fn current_names(
+    db: &DbCache,
+    names: &tokio::sync::RwLock<Arc<Names>>,
+) -> Arc<Names> {
+    if !db.needs_refresh("contact/contact.db").await {
+        return clone_names(names).await;
+    }
+
+    let mut guard = names.write().await;
+    if !db.needs_refresh("contact/contact.db").await {
+        return Arc::clone(&*guard);
+    }
+
+    match query::load_names(db).await {
+        Ok(fresh) => {
+            let fresh = Arc::new(fresh);
+            *guard = Arc::clone(&fresh);
+            fresh
+        }
+        Err(e) => {
+            eprintln!("[daemon] 刷新联系人失败: {}", e);
+            Arc::clone(&*guard)
+        }
+    }
+}
+
+async fn clone_names(names: &tokio::sync::RwLock<Arc<Names>>) -> Arc<Names> {
+    let guard = names.read().await;
+    Arc::clone(&*guard)
+}