Reasonable utilization of industrial fly-ash wastage in concrete engineering has been regarded as an effective way to reduce carbon emissions. By adding the reasonable dosage of fly ash to cement paste, the compactness and microstructure characteristics of the blended cement systems can be significantly improved, thereby effectively enhancing the durability of concrete structures. The vector hydration model of blended fly ash-cement systems with the interference effects of different hydration layers of fly ash and cement particles, the solubility equilibrium of solid phases and the electrical neutrality of the pore solution involved is established. By fully comparing with the experimental data of hydration degree, capillary porosity and CH content, the accuracy of the developed hydration model is verified. Based on the hydration model, the effect of fly ash content on the concentration of different ions and pH in the pore solution with curing time is discussed. Additionally, the evolution characteristic of hydration degree, capillary porosity and CH content with curing time at different fly ash content is also analyzed. Based on the reconstructed microstructure of blended systems, the rolling sweep (RS) technique is used to determine the pore size distribution of capillary pores. The effect of fly ash content on cumulative pore size distribution and differential pore size distribution at different curing time is quantitatively evaluated and discussed. By utilizing the first-passage cube, the dual-probability-Brownian motion method is constructed to predict the chloride diffusivity of blended cement systems. After diffusion model is verified by multi-group experimental data, the optimal dosage of fly ash at different water-binder ratio is calculated, which can provide theoretical guidance for practical applications in concrete engineering.