diff --git a/docs/部署验收与1分钱支付闭环.md b/docs/部署验收与1分钱支付闭环.md
index eb3fb87..e513a84 100644
--- a/docs/部署验收与1分钱支付闭环.md
+++ b/docs/部署验收与1分钱支付闭环.md
@@ -111,13 +111,18 @@ MYSQL_DATABASE=peiwan
 > 1. 商户号已开通**"商家转账到零钱"**产品（微信商户平台申请，通常需 1-2 个工作日）；
 > 2. 在商户平台配置**转账场景ID**（如"佣金报酬"场景）；
 > 3. 收款大神需有 **openid**（通过微信登录授权产生，`users.wechat_openid`）。
+>
+> 新版「商家转账」为**用户确认模式**：转账受理后状态为 `WAIT_USER_CONFIRM`，收款人需在微信「服务通知」中确认收款（24 小时内有效），确认后才由回调置为「已打款」。
 
 后台配置（财务与分销配置 → 微信支付商户号与 APIv3 证书配置）新增：
-- **转账场景ID (`transfer_scene_id`)**：必填才视为"打款就绪"；
+- **转账场景ID (`transfer_scene_id`)**：必填才视为"打款就绪"，佣金报酬场景固定为 `1005`；
+- **转账场景报备信息 (`transfer_scene_report_infos`)**：佣金报酬场景**必须固定传两条**——`岗位类型`（如"陪伴师"）与`报酬说明`（如"平台服务佣金"），否则微信会以参数错误拒绝；
 - **转账备注 (`transfer_remark`)**：默认"佣金提现"；
-- **收款人姓名加密**：部分转账场景要求提交收款人姓名，启用后按平台公钥加密提交（需已配置平台公钥）；
+- **收款人姓名加密**：单笔 ≥ 2000 元时微信要求提交收款人姓名，启用后按平台公钥加密提交（需已配置平台公钥）；
 - **转账结果回调地址 (`transfer_notify_url`)**：默认 `https://peiww.gynhc.com/api/pay/wechat/transfer-notify`。
 
+单笔限额：以商户平台「商家转账 → 转账额度」为准（当前为 **200 元/笔**）。后台 `finance_rules.maxWithdrawAmount` 控制 App 端单笔上限（默认 200），超出会在申请时直接提示分多笔提现。
+
 行为：
 - 支付模式为 **LIVE 且"打款就绪"**：审核通过即调用微信商家转账；受理后工单置"处理中"，最终由**回调/查单**确认 → 成功置"已打款"、失败置"打款失败"并**自动退回预扣佣金**。
 - 若该大神**缺少 openid**：打款被拒并提示"请其重新微信登录授权"。
diff --git a/server/src/index.ts b/server/src/index.ts
index 2e0c3a5..876891f 100644
--- a/server/src/index.ts
+++ b/server/src/index.ts
@@ -3412,6 +3412,20 @@ app.post('/api/finance/withdrawals/:id/review', async (req: Request, res: Respon
         return res.json({ code: 20000, data: { ...r, transfer: bill }, message: '提现打款成功，款项已进入大神微信零钱' });
       }
       const r = await repo.markWithdrawalTransfer(wdId, billNo, '处理中', state);
+      if (state === 'WAIT_USER_CONFIRM') {
+        pushUserNotification(
+          Number(wd.companion_id) || 0,
+          'WITHDRAW',
+          '提现待你确认收款',
+          `提现金额 ¥${Number(wd.amount || 0).toFixed(2)} 已发起微信转账，请在微信「服务通知」中确认收款（24 小时内有效，逾期自动失效）。`,
+          '/pages/user/withdraw-records'
+        );
+        return res.json({
+          code: 20000,
+          data: { ...r, transfer: bill },
+          message: '已发起微信转账，待收款人在微信「服务通知」中确认收款（24 小时内有效）'
+        });
+      }
       return res.json({ code: 20000, data: { ...r, transfer: bill }, message: '提现打款已受理（微信处理中），到账以后端最终状态为准' });
     }
 
@@ -3898,6 +3912,18 @@ app.post('/api/users/:id/withdraw', rateLimit({ name: 'withdraw', windowMs: 60 *
     }
     await assertUserNotBanned(userId, '申请提现');
 
+    // 单笔上限：受微信商家转账额度约束（商户平台可调），默认 200 元，避免审核时被微信拒绝
+    const financeCfg = await repo.getPlatformConfigByKey('finance_rules');
+    const financeRules = (financeCfg && financeCfg.valueJson) || {};
+    const maxWithdraw = Number(financeRules.maxWithdrawAmount) || 200;
+    const requestAmount = Number(req.body?.amount);
+    if (Number.isFinite(requestAmount) && requestAmount > maxWithdraw) {
+      return res.status(400).json({
+        code: 40000,
+        message: `单笔提现不能超过 ¥${maxWithdraw}（微信商家转账单笔限额），请分多笔提现或联系平台调整额度`
+      });
+    }
+
     const { amount, channel, account, realName, bankName } = req.body;
     const result = await repo.withdrawUserCommission(userId, Number(amount), channel, { account, realName, bankName });
     res.json({
@@ -3943,7 +3969,9 @@ app.get('/api/users/:id/finance-records', async (req: Request, res: Response) =>
 app.get('/api/posts', async (req: Request, res: Response) => {
   try {
     const category = req.query.category ? String(req.query.category) : undefined;
-    const userId = Number(req.query.userId || req.headers['x-user-id']) || 1001;
+    // 身份优先取服务端会话，客户端声明仅作匿名浏览时的兼容
+    const tokenUid = resolveRequestUserId(req);
+    const userId = tokenUid || Number(req.query.userId || req.headers['x-user-id']) || 1001;
     const posts = await repo.getPosts(category, undefined, '正常', userId);
     res.json({
       code: 20000,
diff --git a/server/tests/secure-mode-gates.spec.ts b/server/tests/secure-mode-gates.spec.ts
index 08b4f69..31cdaf4 100644
--- a/server/tests/secure-mode-gates.spec.ts
+++ b/server/tests/secure-mode-gates.spec.ts
@@ -59,4 +59,18 @@ describe('第九十三批安全闸门解耦与支付 fail-closed', () => {
     expect(apiCode).toContain('const uid = normalizeUserId(userId);\n    let query = `?userId=${uid}`;');
     expect(apiCode).toContain('const uid = normalizeUserId(userId);\n    const payload = { userId: uid };');
   });
+
+  it('商家转账：待用户确认时必须提示收款人确认，并约束单笔额度', () => {
+    const review = routeBlock("app.post('/api/finance/withdrawals/:id/review'", 6000);
+    expect(review).toContain("state === 'WAIT_USER_CONFIRM'");
+    expect(review).toContain('提现待你确认收款');
+    const withdraw = routeBlock("app.post('/api/users/:id/withdraw'", 2500);
+    expect(withdraw).toContain('maxWithdrawAmount');
+    expect(withdraw).toContain('微信商家转账单笔限额');
+  });
+
+  it('动态列表身份优先取服务端会话', () => {
+    const posts = routeBlock("app.get('/api/posts'", 1200);
+    expect(posts).toContain('resolveRequestUserId(req)');
+  });
 });