diff --git a/app-android/app/src/main/java/com/huaga/life_echo/network/models/MemoirModels.kt b/app-android/app/src/main/java/com/huaga/life_echo/network/models/MemoirModels.kt
index cea9db2..34f86d9 100644
--- a/app-android/app/src/main/java/com/huaga/life_echo/network/models/MemoirModels.kt
+++ b/app-android/app/src/main/java/com/huaga/life_echo/network/models/MemoirModels.kt
@@ -18,6 +18,23 @@ data class BookDto(
     val last_update_chapter_id: String? = null
 )
 
+// 章节图片元数据DTO
+@Serializable
+data class ChapterImageDto(
+    val index: Int,
+    val placeholder: String,
+    val description: String,
+    val prompt: String? = null,
+    val url: String? = null,
+    val status: String,
+    val provider: String? = null,
+    val style: String? = null,
+    val size: String? = null,
+    val error: String? = null,
+    val created_at: String? = null,
+    val updated_at: String? = null,
+)
+
 // 章节信息DTO（匹配服务器格式）
 @Serializable
 data class ChapterDto(
@@ -27,7 +44,7 @@ data class ChapterDto(
     val order_index: Int,
     val status: String, // "draft", "partial", "completed"
     val category: String,
-    val images: List<String> = emptyList(),
+    val images: List<ChapterImageDto> = emptyList(),
     val updated_at: String? = null,
     val is_new: Boolean = false,
     val source_segments: List<String> = emptyList()
@@ -44,8 +61,8 @@ data class ChapterContentDto(
     val category: String,
     val pageCount: Int?,
     val updatedAt: Long,
-    val quotes: List<String> = emptyList(), // 引用内容列表
-    val images: List<String> = emptyList() // 图片列表
+    val quotes: List<String> = emptyList(),
+    val images: List<ChapterImageDto> = emptyList()
 )
 
 // 回忆录状态DTO
diff --git a/app-android/app/src/main/java/com/huaga/life_echo/ui/components/memoir/ChapterCard.kt b/app-android/app/src/main/java/com/huaga/life_echo/ui/components/memoir/ChapterCard.kt
index 9de83ec..42b3cf2 100644
--- a/app-android/app/src/main/java/com/huaga/life_echo/ui/components/memoir/ChapterCard.kt
+++ b/app-android/app/src/main/java/com/huaga/life_echo/ui/components/memoir/ChapterCard.kt
@@ -173,7 +173,7 @@ private fun FilledChapterCard(
                 ) {
                     val processedContent = TextUtils.removeImagePlaceholders(
                         chapter.content,
-                        hasImages = chapter.images.isNotEmpty()
+                        hasImages = chapter.images.any { it.status == "completed" && !it.url.isNullOrBlank() }
                     )
                     
                     MarkdownText(
diff --git a/app-android/app/src/main/java/com/huaga/life_echo/ui/components/memoir/MemoirContentBlocks.kt b/app-android/app/src/main/java/com/huaga/life_echo/ui/components/memoir/MemoirContentBlocks.kt
new file mode 100644
index 0000000..d36265a
--- /dev/null
+++ b/app-android/app/src/main/java/com/huaga/life_echo/ui/components/memoir/MemoirContentBlocks.kt
@@ -0,0 +1,35 @@
+package com.huaga.life_echo.ui.components.memoir
+
+import com.huaga.life_echo.network.models.ChapterImageDto
+
+sealed interface MemoirContentBlock {
+    data class Text(val content: String) : MemoirContentBlock
+    data class Image(val image: ChapterImageDto) : MemoirContentBlock
+}
+
+private val imagePlaceholderRegex =
+    Regex("""\{\{\{\{IMAGE:.*?\}\}\}\}|\{\{IMAGE:.*?\}\}""", setOf(RegexOption.DOT_MATCHES_ALL))
+
+private fun stripImagePlaceholders(text: String): String =
+    text.replace(imagePlaceholderRegex, "").trim()
+
+fun splitMemoirContent(content: String, images: List<ChapterImageDto>): List<MemoirContentBlock> {
+    var remaining = content
+    val blocks = mutableListOf<MemoirContentBlock>()
+    images.sortedBy { it.index }.forEach { image ->
+        val placeholder = image.placeholder
+        if (!remaining.contains(placeholder)) return@forEach
+        val parts = remaining.split(placeholder, limit = 2)
+        val before = stripImagePlaceholders(parts.first())
+        if (before.isNotBlank()) blocks += MemoirContentBlock.Text(before)
+        if (image.status == "completed" && !image.url.isNullOrBlank()) {
+            blocks += MemoirContentBlock.Image(image)
+        } else if (image.status in listOf("pending", "processing", "failed")) {
+            blocks += MemoirContentBlock.Image(image)
+        }
+        remaining = parts.getOrElse(1) { "" }
+    }
+    val trailingText = stripImagePlaceholders(remaining)
+    if (trailingText.isNotBlank()) blocks += MemoirContentBlock.Text(trailingText)
+    return blocks
+}
diff --git a/app-android/app/src/test/java/com/huaga/life_echo/ui/components/memoir/MemoirContentBlocksTest.kt b/app-android/app/src/test/java/com/huaga/life_echo/ui/components/memoir/MemoirContentBlocksTest.kt
new file mode 100644
index 0000000..d840d24
--- /dev/null
+++ b/app-android/app/src/test/java/com/huaga/life_echo/ui/components/memoir/MemoirContentBlocksTest.kt
@@ -0,0 +1,59 @@
+package com.huaga.life_echo.ui.components.memoir
+
+import com.huaga.life_echo.network.models.ChapterImageDto
+import org.junit.Assert.assertEquals
+import org.junit.Assert.assertTrue
+import org.junit.Test
+
+class MemoirContentBlocksTest {
+
+    @Test
+    fun splitMemoirContent_insertsImageBlockForCompletedImage_andDropsFailedPlaceholder() {
+        val blocks = splitMemoirContent(
+            content = "那条路我一直记得。\n\n{{{{IMAGE:南方小镇的青石板路}}}}\n\n后来就下雨了。",
+            images = listOf(
+                ChapterImageDto(
+                    index = 0,
+                    placeholder = "{{{{IMAGE:南方小镇的青石板路}}}}",
+                    description = "南方小镇的青石板路",
+                    prompt = null,
+                    url = "https://cos.example.com/0.png",
+                    status = "completed",
+                    provider = "liblib",
+                    style = "watercolor",
+                    size = "1024x1024",
+                    error = null,
+                    created_at = null,
+                    updated_at = null,
+                )
+            )
+        )
+
+        assertEquals(MemoirContentBlock.Text::class, blocks[0]::class)
+        assertEquals(MemoirContentBlock.Image::class, blocks[1]::class)
+        assertTrue((blocks[1] as MemoirContentBlock.Image).image.url!!.contains("cos.example.com"))
+    }
+
+    @Test
+    fun splitMemoirContent_returnsOnlyTextBlock_whenNoImages() {
+        val blocks = splitMemoirContent(
+            content = "那条路我一直记得。\n\n后来就下雨了。",
+            images = emptyList()
+        )
+
+        assertEquals(1, blocks.size)
+        assertEquals(MemoirContentBlock.Text::class, blocks[0]::class)
+    }
+
+    @Test
+    fun splitMemoirContent_stripsOrphanPlaceholders() {
+        val blocks = splitMemoirContent(
+            content = "开头。\n\n{{{{IMAGE:被忽略的图}}}}\n\n结尾。",
+            images = emptyList()
+        )
+
+        assertEquals(1, blocks.size)
+        val text = (blocks[0] as MemoirContentBlock.Text).content
+        assertTrue(!text.contains("IMAGE:"))
+    }
+}