diff --git a/src/app/admin/users/AdminUserActions.tsx b/src/app/admin/users/AdminUserActions.tsx
index 22238ed..8fd9852 100644
--- a/src/app/admin/users/AdminUserActions.tsx
+++ b/src/app/admin/users/AdminUserActions.tsx
@@ -24,6 +24,8 @@ export function AdminUserActions({ user }: { user: UserData }) {
   const [resetUrl, setResetUrl] = useState<string | null>(null)
   const [lotteryReset, setLotteryReset] = useState(false)
   const [error, setError] = useState('')
+  const [deleteConfirm, setDeleteConfirm] = useState('')
+  const [deleteError, setDeleteError] = useState('')
 
   async function handleSave() {
     setLoading(true)
@@ -80,10 +82,28 @@ export function AdminUserActions({ user }: { user: UserData }) {
     }
   }
 
+  async function handleDelete() {
+    if (deleteConfirm !== user.username) {
+      setDeleteError('Username does not match.')
+      return
+    }
+    setLoading(true)
+    setDeleteError('')
+    const res = await fetch(`/api/admin/users/${user.id}`, { method: 'DELETE' })
+    const data = await res.json()
+    setLoading(false)
+    if (!res.ok) {
+      setDeleteError(data.error ?? 'Delete failed.')
+    } else {
+      setOpen(false)
+      router.refresh()
+    }
+  }
+
   return (
     <>
       <button
-        onClick={() => { setOpen(true); setResetUrl(null); setError('') }}
+        onClick={() => { setOpen(true); setResetUrl(null); setError(''); setDeleteConfirm(''); setDeleteError('') }}
         className="text-xs text-indigo-400 hover:text-indigo-300 transition-colors"
       >
         Edit
@@ -199,6 +219,35 @@ export function AdminUserActions({ user }: { user: UserData }) {
               )}
             </div>
 
+            {/* Danger zone — delete user */}
+            <div className="border-t border-red-500/20 pt-4">
+              <p className="text-sm text-red-400 mb-1 font-medium">Danger zone</p>
+              <p className="text-xs text-slate-500 mb-3">
+                Permanently deletes this account, all trades, positions, and history.
+                Fund investments will be forfeited to their respective funds.
+              </p>
+              <div className="space-y-2">
+                <input
+                  type="text"
+                  value={deleteConfirm}
+                  onChange={(e) => setDeleteConfirm(e.target.value)}
+                  placeholder={`Type "${user.username}" to confirm`}
+                  autoComplete="off"
+                  className="w-full bg-surface border border-red-500/30 focus:border-red-500 rounded-lg px-3 py-2 text-sm focus:outline-none"
+                />
+                {deleteError && (
+                  <p className="text-red-400 text-xs">{deleteError}</p>
+                )}
+                <button
+                  onClick={handleDelete}
+                  disabled={loading || deleteConfirm !== user.username}
+                  className="text-sm bg-red-700/30 hover:bg-red-700/50 text-red-400 border border-red-500/30 px-4 py-1.5 rounded-lg transition-colors disabled:opacity-50 disabled:cursor-not-allowed"
+                >
+                  {loading ? 'Deleting…' : 'Delete account'}
+                </button>
+              </div>
+            </div>
+
             <div className="flex justify-end gap-3 pt-2">
               <button
                 onClick={() => setOpen(false)}
diff --git a/src/app/api/admin/users/[userId]/route.ts b/src/app/api/admin/users/[userId]/route.ts
index cb7a9bc..f483d08 100644
--- a/src/app/api/admin/users/[userId]/route.ts
+++ b/src/app/api/admin/users/[userId]/route.ts
@@ -37,3 +37,46 @@ export async function PATCH(req: NextRequest, { params }: { params: { userId: st
 
   return NextResponse.json(updated)
 }
+
+/**
+ * DELETE /api/admin/users/[userId]
+ * Permanently deletes a user account.
+ * Fund investments are reconciled (sharesOutstanding decremented) before cascade deletion.
+ */
+export async function DELETE(
+  _req: NextRequest,
+  { params }: { params: { userId: string } }
+) {
+  const session = await getServerSession(authOptions)
+  if (!session?.user.isAdmin) {
+    return NextResponse.json({ error: 'Forbidden' }, { status: 403 })
+  }
+
+  const user = await prisma.user.findUnique({
+    where: { id: params.userId },
+    select: {
+      id: true,
+      isFund: true,
+      fundInvestments: { select: { fundId: true, shares: true } },
+    },
+  })
+  if (!user) return NextResponse.json({ error: 'User not found.' }, { status: 404 })
+  if (user.isFund) {
+    return NextResponse.json(
+      { error: 'Use the fund deletion endpoint to remove fund accounts.' },
+      { status: 400 },
+    )
+  }
+
+  // Reconcile fund sharesOutstanding before cascade delete
+  for (const inv of user.fundInvestments) {
+    await prisma.hedgeFund.update({
+      where: { id: inv.fundId },
+      data: { sharesOutstanding: { decrement: inv.shares } },
+    })
+  }
+
+  await prisma.user.delete({ where: { id: params.userId } })
+
+  return NextResponse.json({ ok: true })
+}
diff --git a/src/app/api/user/me/route.ts b/src/app/api/user/me/route.ts
index 73fa579..012ec8b 100644
--- a/src/app/api/user/me/route.ts
+++ b/src/app/api/user/me/route.ts
@@ -90,3 +90,36 @@ export async function PATCH(req: NextRequest) {
 
   return NextResponse.json({ ok: true, ...updated })
 }
+
+/**
+ * DELETE /api/user/me
+ * Permanently deletes the authenticated user's account.
+ * Fund investments are reconciled (sharesOutstanding decremented) before deletion.
+ */
+export async function DELETE() {
+  const session = await getServerSession(authOptions)
+  if (!session) return NextResponse.json({ error: 'Unauthorized' }, { status: 401 })
+
+  const user = await prisma.user.findUnique({
+    where: { id: session.user.id },
+    select: {
+      id: true,
+      isFund: true,
+      fundInvestments: { select: { fundId: true, shares: true } },
+    },
+  })
+  if (!user) return NextResponse.json({ error: 'Not found' }, { status: 404 })
+  if (user.isFund) return NextResponse.json({ error: 'Fund accounts cannot be self-deleted.' }, { status: 400 })
+
+  // Reconcile fund sharesOutstanding before user is deleted
+  for (const inv of user.fundInvestments) {
+    await prisma.hedgeFund.update({
+      where: { id: inv.fundId },
+      data: { sharesOutstanding: { decrement: inv.shares } },
+    })
+  }
+
+  await prisma.user.delete({ where: { id: session.user.id } })
+
+  return NextResponse.json({ ok: true })
+}
diff --git a/src/app/profile/[username]/CloseAccountForm.tsx b/src/app/profile/[username]/CloseAccountForm.tsx
new file mode 100644
index 0000000..5695714
--- /dev/null
+++ b/src/app/profile/[username]/CloseAccountForm.tsx
@@ -0,0 +1,86 @@
+'use client'
+
+import { useState } from 'react'
+import { signOut } from 'next-auth/react'
+import { Trash2 } from 'lucide-react'
+
+interface Props {
+  username: string
+}
+
+export default function CloseAccountForm({ username }: Props) {
+  const [open, setOpen] = useState(false)
+  const [confirm, setConfirm] = useState('')
+  const [loading, setLoading] = useState(false)
+  const [error, setError] = useState('')
+
+  async function handleDelete(e: React.FormEvent) {
+    e.preventDefault()
+    if (confirm !== username) {
+      setError('Username does not match.')
+      return
+    }
+    setLoading(true)
+    setError('')
+    try {
+      const res = await fetch('/api/user/me', { method: 'DELETE' })
+      const data = await res.json()
+      if (!res.ok) {
+        setError(data.error ?? 'Failed to delete account.')
+        return
+      }
+      await signOut({ callbackUrl: '/' })
+    } finally {
+      setLoading(false)
+    }
+  }
+
+  return (
+    <section className="bg-surface-card border border-red-500/20 rounded-xl p-6">
+      <button
+        onClick={() => { setOpen((v) => !v); setError(''); setConfirm('') }}
+        className="flex items-center gap-2 text-sm font-medium text-red-400 hover:text-red-300 transition-colors"
+      >
+        <Trash2 className="h-4 w-4" />
+        Close account
+        <span className="ml-1 text-slate-500">{open ? '▲' : '▼'}</span>
+      </button>
+
+      {open && (
+        <form onSubmit={handleDelete} className="mt-4 space-y-4 max-w-sm">
+          <p className="text-sm text-slate-400">
+            This will <span className="text-red-400 font-medium">permanently delete</span> your account,
+            all trade history, positions, and portfolio data. This cannot be undone.
+          </p>
+          <p className="text-sm text-slate-400">
+            Any fund investments you hold will be forfeited to the fund.
+          </p>
+          <div>
+            <label className="block text-xs text-slate-400 mb-1">
+              Type <span className="text-white font-mono">{username}</span> to confirm
+            </label>
+            <input
+              type="text"
+              value={confirm}
+              onChange={(e) => setConfirm(e.target.value)}
+              placeholder={username}
+              autoComplete="off"
+              className="w-full bg-surface border border-red-500/30 focus:border-red-500 rounded-lg px-3 py-2 text-sm focus:outline-none"
+            />
+          </div>
+
+          {error && <p className="text-red-400 text-sm">{error}</p>}
+
+          <button
+            type="submit"
+            disabled={loading || confirm !== username}
+            className="flex items-center gap-2 bg-red-700 hover:bg-red-600 disabled:opacity-50 disabled:cursor-not-allowed text-white text-sm font-medium px-4 py-2 rounded-lg transition-colors"
+          >
+            <Trash2 className="h-4 w-4" />
+            {loading ? 'Deleting…' : 'Permanently delete my account'}
+          </button>
+        </form>
+      )}
+    </section>
+  )
+}
diff --git a/src/app/profile/[username]/page.tsx b/src/app/profile/[username]/page.tsx
index f7b01eb..e67150f 100644
--- a/src/app/profile/[username]/page.tsx
+++ b/src/app/profile/[username]/page.tsx
@@ -9,6 +9,7 @@ import Link from 'next/link'
 import { TrendingUp, TrendingDown, Coins, Building2 } from 'lucide-react'
 import ChangePasswordForm from './ChangePasswordForm'
 import AccountSettingsForm from './AccountSettingsForm'
+import CloseAccountForm from './CloseAccountForm'
 import { PriceChart } from '@/components/PriceChart'
 
 export const dynamic = 'force-dynamic'
@@ -327,6 +328,7 @@ export default async function ProfilePage({ params }: Props) {
             currentDisplayUsername={user.displayUsername ?? null}
           />
           <ChangePasswordForm />
+          <CloseAccountForm username={user.username} />
         </>
       )}
     </div>