diff --git a/addons/shopro/library/commission/Reward.php b/addons/shopro/library/commission/Reward.php
index a4fb5ac..01badcb 100644
--- a/addons/shopro/library/commission/Reward.php
+++ b/addons/shopro/library/commission/Reward.php
@@ -91,6 +91,79 @@ class Reward
         return false;
     }
 
+    /**
+     * 分账成功：标记已结算，累计收益，不入余额
+     */
+    public function runCommissionRewardByOrderWithoutWallet($event, $commissionOrder)
+    {
+        if (is_numeric($commissionOrder)) {
+            $commissionOrder = OrderModel::get($commissionOrder);
+        }
+        if (!$commissionOrder) {
+            return false;
+        }
+        if ($commissionOrder['commission_reward_status'] !== self::COMMISSION_REWARD_STATUS_WAITING) {
+            return false;
+        }
+        $commissionEvent = $commissionOrder['commission_event'];
+        if ($commissionEvent !== $event && $event !== 'admin') {
+            return false;
+        }
+
+        $commissionOrder->commission_reward_status = self::COMMISSION_REWARD_STATUS_ACCOUNTED;
+        $commissionOrder->commission_time = time();
+        $commissionOrder->save();
+
+        $commissionRewards = RewardModel::all([
+            'commission_order_id' => $commissionOrder['id'],
+            'status' => self::COMMISSION_REWARD_STATUS_WAITING,
+        ]);
+        if (!$commissionRewards) {
+            return false;
+        }
+        foreach ($commissionRewards as $commissionReward) {
+            $this->runCommissionRewardWithoutWallet($event, $commissionReward);
+        }
+        return true;
+    }
+
+    public function runCommissionRewardWithoutWallet($event, $commissionReward)
+    {
+        if (is_numeric($commissionReward)) {
+            $commissionReward = RewardModel::get($commissionReward);
+        }
+        if (!$commissionReward || $commissionReward->status != self::COMMISSION_REWARD_STATUS_WAITING) {
+            return false;
+        }
+        if ($this->isRepurchaseSelfReward($commissionReward)) {
+            $user = UserModel::get($commissionReward->agent_id);
+            if (!$user) {
+                return false;
+            }
+            $commissionReward->status = self::COMMISSION_REWARD_STATUS_ACCOUNTED;
+            $commissionReward->save();
+            Log::write($commissionReward->agent_id, 'reward', [
+                'action' => $event,
+                'reward' => $commissionReward,
+                'wallet_skipped' => 'gateway_split',
+            ], $this->oper);
+            return true;
+        }
+        $rewardAgent = new Agent($commissionReward->agent_id);
+        if ($rewardAgent && $rewardAgent->isAgentAvaliable()) {
+            $rewardAgent->agent->setInc('total_income', $commissionReward->commission);
+            $commissionReward->status = self::COMMISSION_REWARD_STATUS_ACCOUNTED;
+            $commissionReward->save();
+            Log::write($rewardAgent->user->id, 'reward', [
+                'action' => $event,
+                'reward' => $commissionReward,
+                'wallet_skipped' => 'gateway_split',
+            ], $this->oper);
+            return true;
+        }
+        return false;
+    }
+
     /**
      * 执行奖金计划,直接派发佣金
      * 
@@ -140,7 +213,6 @@ class Reward
         return false;
     }
 
-
     /**
      * 扣除/取消 分销订单
      * 
diff --git a/addons/shopro/library/regional_agent/Commission.php b/addons/shopro/library/regional_agent/Commission.php
index 55151e5..ec0fdbd 100644
--- a/addons/shopro/library/regional_agent/Commission.php
+++ b/addons/shopro/library/regional_agent/Commission.php
@@ -8,6 +8,8 @@ use addons\shopro\model\regional_agent\Agent as AgentModel;
 use addons\shopro\model\regional_agent\Level as LevelModel;
 use addons\shopro\model\regional_agent\Order as RegionalOrderModel;
 use addons\shopro\model\regional_agent\Reward as RewardModel;
+use addons\shopro\library\split\SplitWalletSettlement;
+use addons\shopro\library\split\SplitWalletSettlement;
 
 /**
  * 区域代理分佣
@@ -291,7 +293,9 @@ class Commission
         $agent->setInc('order_count', 1);
 
         if ($this->_config->getCommissionEvent() === 'payed') {
-            (new Reward())->settleByRegionalOrder($regionalOrder->id, 'payed');
+            if (!SplitWalletSettlement::shouldDeferRegionalWallet($order, 'payed')) {
+                (new Reward())->settleByRegionalOrder($regionalOrder->id, 'payed');
+            }
         }
 
         return $regionalOrder;
diff --git a/addons/shopro/library/regional_agent/Reward.php b/addons/shopro/library/regional_agent/Reward.php
index 64b60f7..8695d1f 100644
--- a/addons/shopro/library/regional_agent/Reward.php
+++ b/addons/shopro/library/regional_agent/Reward.php
@@ -38,6 +38,28 @@ class Reward
         return true;
     }
 
+    public function settleByRegionalOrderWithoutWallet($regionalOrderId, $event)
+    {
+        $regionalOrder = RegionalOrderModel::get($regionalOrderId);
+        if (!$regionalOrder || $regionalOrder['commission_reward_status'] !== self::STATUS_WAITING) {
+            return false;
+        }
+
+        $regionalOrder->commission_reward_status = self::STATUS_ACCOUNTED;
+        $regionalOrder->commission_time = time();
+        $regionalOrder->save();
+
+        $rewards = RewardModel::where('regional_order_id', $regionalOrderId)
+            ->where('status', self::STATUS_WAITING)
+            ->select();
+
+        foreach ($rewards as $reward) {
+            $this->settleRewardWithoutWallet($reward, $event);
+        }
+
+        return true;
+    }
+
     public function settleReward($reward, $event)
     {
         if ($reward['status'] !== self::STATUS_WAITING) {
@@ -68,6 +90,28 @@ class Reward
         }
     }
 
+    public function settleRewardWithoutWallet($reward, $event)
+    {
+        if ($reward['status'] !== self::STATUS_WAITING) {
+            return false;
+        }
+
+        $agent = AgentModel::get($reward['agent_id']);
+        if (!$agent || $agent['status'] !== AgentModel::STATUS_NORMAL) {
+            return false;
+        }
+
+        $agentUser = UserModel::get($reward['agent_user_id']);
+        if (!$agentUser) {
+            return false;
+        }
+
+        $agent->setInc('total_income', $reward['commission']);
+        $reward->status = self::STATUS_ACCOUNTED;
+        $reward->save();
+        return true;
+    }
+
     public function backByRegionalOrder($regionalOrderId, $event)
     {
         $regionalOrder = RegionalOrderModel::get($regionalOrderId);
diff --git a/addons/shopro/library/split/SplitExecutor.php b/addons/shopro/library/split/SplitExecutor.php
index ebf365a..302b210 100644
--- a/addons/shopro/library/split/SplitExecutor.php
+++ b/addons/shopro/library/split/SplitExecutor.php
@@ -22,93 +22,106 @@ class SplitExecutor
 
     public function executeByOrderId($orderId, $event = 'payed')
     {
-        if (!$this->config->isEnable()) {
-            return false;
-        }
+        $order = Order::get($orderId);
+        $deferWallet = $order && SplitWalletSettlement::shouldDeferForGatewaySplit($order, $event);
+        $ok = false;
 
-        if (class_exists('\\addons\\shopro_huifu\\library\\Bridge')) {
-            $hookParams = [
-                'order_id' => $orderId,
-                'event'    => $event,
-            ];
-            $handled = \think\Hook::listen('shopro_split_execute', $hookParams, null, true);
-            if ($handled === true) {
+        try {
+            if (!$this->config->isEnable()) {
+                return false;
+            }
+
+            if (class_exists('\\addons\\shopro_huifu\\library\\Bridge')) {
+                $hookParams = [
+                    'order_id' => $orderId,
+                    'event'    => $event,
+                ];
+                $handled = \think\Hook::listen('shopro_split_execute', $hookParams, null, true);
+                if ($handled === true) {
+                    $ok = true;
+                    return true;
+                }
+            }
+
+            $orderCheck = Order::get($orderId);
+            if ($orderCheck && $orderCheck['pay_type'] === 'huifu_wechat') {
+                return false;
+            }
+
+            $exists = SplitOrder::where('order_id', $orderId)->where('status', 'in', [1, 2])->find();
+            if ($exists) {
+                $ok = true;
                 return true;
             }
-        }
 
-        $orderCheck = Order::get($orderId);
-        if ($orderCheck && $orderCheck['pay_type'] === 'huifu_wechat') {
-            return false;
-        }
-
-        $exists = SplitOrder::where('order_id', $orderId)->where('status', 'in', [1, 2])->find();
-        if ($exists) {
-            return false;
-        }
-
-        $order = Order::get($orderId);
-        if (!$order || empty($order['transaction_id'])) {
-            return false;
-        }
-
-        $items = $this->calculator->calculate($orderId);
-        if (empty($items)) {
-            return false;
-        }
-
-        $outOrderNo = 'PS' . date('YmdHis') . $orderId;
-        $splitAmount = array_sum(array_column($items, 'amount'));
-
-        Db::startTrans();
-        try {
-            $splitOrder = SplitOrder::create([
-                'order_id' => $orderId,
-                'order_sn' => $order['order_sn'],
-                'transaction_id' => $order['transaction_id'],
-                'out_order_no' => $outOrderNo,
-                'total_amount' => $order['pay_fee'],
-                'split_amount' => $splitAmount,
-                'status' => 1,
-            ]);
-
-            $receivers = [];
-            foreach ($items as $item) {
-                SplitOrderReceiver::create([
-                    'split_order_id' => $splitOrder->id,
-                    'receiver_id' => $item['receiver_id'],
-                    'role_type' => $item['role_type'],
-                    'amount' => $item['amount'],
-                    'description' => $item['description'],
-                    'status' => 0,
-                ]);
-                $receivers[] = [
-                    'type' => $item['receiver_type'],
-                    'account' => $item['receiver_account'],
-                    'name' => $item['receiver_name'] ?? '',
-                    'amount' => intval(round($item['amount'] * 100)),
-                    'description' => $item['description'],
-                ];
+            $order = Order::get($orderId);
+            if (!$order || empty($order['transaction_id'])) {
+                return false;
             }
 
-            $result = $this->service->createOrder([
-                'transaction_id' => $order['transaction_id'],
-                'out_order_no' => $outOrderNo,
-                'receivers' => $receivers,
-                'unfreeze_unsplit' => true,
-            ]);
+            $items = $this->calculator->calculate($orderId);
+            if (empty($items)) {
+                return false;
+            }
 
-            $splitOrder->wx_result = is_array($result) ? json_encode($result, JSON_UNESCAPED_UNICODE) : json_encode($result);
-            $splitOrder->status = 2;
-            $splitOrder->save();
+            $outOrderNo = 'PS' . date('YmdHis') . $orderId;
+            $splitAmount = array_sum(array_column($items, 'amount'));
 
-            SplitOrderReceiver::where('split_order_id', $splitOrder->id)->update(['status' => 1]);
-            Db::commit();
-            return true;
-        } catch (\Exception $e) {
-            Db::rollback();
-            $this->markFailed($orderId, $outOrderNo ?? ('PS' . $orderId), $order, $items ?? [], $e->getMessage());
-            return false;
+            Db::startTrans();
+            try {
+                $splitOrder = SplitOrder::create([
+                    'order_id' => $orderId,
+                    'order_sn' => $order['order_sn'],
+                    'transaction_id' => $order['transaction_id'],
+                    'out_order_no' => $outOrderNo,
+                    'total_amount' => $order['pay_fee'],
+                    'split_amount' => $splitAmount,
+                    'status' => 1,
+                ]);
+
+                $receivers = [];
+                foreach ($items as $item) {
+                    SplitOrderReceiver::create([
+                        'split_order_id' => $splitOrder->id,
+                        'receiver_id' => $item['receiver_id'],
+                        'role_type' => $item['role_type'],
+                        'amount' => $item['amount'],
+                        'description' => $item['description'],
+                        'status' => 0,
+                    ]);
+                    $receivers[] = [
+                        'type' => $item['receiver_type'],
+                        'account' => $item['receiver_account'],
+                        'name' => $item['receiver_name'] ?? '',
+                        'amount' => intval(round($item['amount'] * 100)),
+                        'description' => $item['description'],
+                    ];
+                }
+
+                $result = $this->service->createOrder([
+                    'transaction_id' => $order['transaction_id'],
+                    'out_order_no' => $outOrderNo,
+                    'receivers' => $receivers,
+                    'unfreeze_unsplit' => true,
+                ]);
+
+                $splitOrder->wx_result = is_array($result) ? json_encode($result, JSON_UNESCAPED_UNICODE) : json_encode($result);
+                $splitOrder->status = 2;
+                $splitOrder->save();
+
+                SplitOrderReceiver::where('split_order_id', $splitOrder->id)->update(['status' => 1]);
+                Db::commit();
+                $ok = true;
+                return true;
+            } catch (\Exception $e) {
+                Db::rollback();
+                $this->markFailed($orderId, $outOrderNo ?? ('PS' . $orderId), $order, $items ?? [], $e->getMessage());
+                return false;
+            }
+        } finally {
+            if ($deferWallet) {
+                SplitWalletSettlement::finalizeAfterSplitAttempt($orderId, $event, $ok);
+            }
         }
     }
 
diff --git a/addons/shopro/library/split/SplitWalletSettlement.php b/addons/shopro/library/split/SplitWalletSettlement.php
new file mode 100644
index 0000000..44ccdab
--- /dev/null
+++ b/addons/shopro/library/split/SplitWalletSettlement.php
@@ -0,0 +1,137 @@
+<?php
+
+namespace addons\shopro\library\split;
+
+use addons\shopro\library\commission\Config as CommissionConfig;
+use addons\shopro\library\commission\Reward as CommissionRewardLibrary;
+use addons\shopro\library\regional_agent\Config as RegionalConfig;
+use addons\shopro\library\regional_agent\Reward as RegionalRewardLibrary;
+use addons\shopro\model\Order;
+use addons\shopro\model\commission\Order as CommissionOrderModel;
+use addons\shopro\model\regional_agent\Order as RegionalOrderModel;
+use addons\shopro\model\split\SplitOrder;
+
+/**
+ * 支付通道分账与钱包佣金互斥：分账成功则不入余额，失败则回退入余额
+ */
+class SplitWalletSettlement
+{
+    public static function shouldDeferCommissionWallet($order, $event)
+    {
+        if (!self::shouldDeferForGatewaySplit($order, $event)) {
+            return false;
+        }
+        $commissionEvent = (new CommissionConfig())->getCommissionEvent();
+        return $commissionEvent === $event;
+    }
+
+    public static function shouldDeferRegionalWallet($order, $event)
+    {
+        if (!self::shouldDeferForGatewaySplit($order, $event)) {
+            return false;
+        }
+        $regionalEvent = (new RegionalConfig())->getCommissionEvent();
+        return $regionalEvent === $event;
+    }
+
+    /**
+     * 当前订单是否应等分账结果再决定钱包入账
+     */
+    public static function shouldDeferForGatewaySplit($order, $event)
+    {
+        if (is_numeric($order)) {
+            $order = Order::get($order);
+        }
+        if (!$order) {
+            return false;
+        }
+
+        $config = new Config();
+        if (!$config->isEnable() || !$config->shouldSkipWallet()) {
+            return false;
+        }
+        if ($config->getTiming() !== $event) {
+            return false;
+        }
+
+        if (class_exists('\\addons\\shopro_huifu\\library\\Bridge')
+            && \addons\shopro_huifu\library\Bridge::shouldHandleSplit($order)) {
+            return true;
+        }
+
+        if (in_array($config->getMode(), ['wechat', 'both'], true) && $order['pay_type'] === 'wechat') {
+            return true;
+        }
+
+        return false;
+    }
+
+    public static function isSplitSuccessful($orderId)
+    {
+        return SplitOrder::where('order_id', $orderId)
+            ->where('status', 'in', [2, 3])
+            ->count() > 0;
+    }
+
+    /**
+     * 分账尝试结束后结算佣金（成功=仅记账不入钱包，失败=入钱包）
+     */
+    public static function finalizeAfterSplitAttempt($orderId, $event, $splitExecutedOk = false)
+    {
+        if (!self::shouldDeferForGatewaySplit($orderId, $event)) {
+            return;
+        }
+
+        if (self::isSplitSuccessful($orderId)) {
+            self::settleOrderWithoutWallet($orderId, $event);
+        } else {
+            self::settleOrderToWallet($orderId, $event);
+        }
+    }
+
+    public static function settleOrderWithoutWallet($orderId, $event)
+    {
+        $commissionLib = new CommissionRewardLibrary();
+        $commissionOrders = CommissionOrderModel::where('order_id', $orderId)
+            ->where('commission_reward_status', CommissionRewardLibrary::COMMISSION_REWARD_STATUS_WAITING)
+            ->select();
+        foreach ($commissionOrders as $commissionOrder) {
+            if ($commissionOrder['commission_event'] === $event || $event === 'admin') {
+                $commissionLib->runCommissionRewardByOrderWithoutWallet($event, $commissionOrder);
+            }
+        }
+
+        $regionalLib = new RegionalRewardLibrary();
+        $regionalOrders = RegionalOrderModel::where('order_id', $orderId)
+            ->where('commission_reward_status', RegionalRewardLibrary::STATUS_WAITING)
+            ->select();
+        foreach ($regionalOrders as $regionalOrder) {
+            if ($regionalOrder['commission_event'] === $event) {
+                $regionalLib->settleByRegionalOrderWithoutWallet($regionalOrder->id, $event);
+            }
+        }
+    }
+
+    public static function settleOrderToWallet($orderId, $event)
+    {
+        $commissionLib = new CommissionRewardLibrary();
+        $commissionOrders = CommissionOrderModel::where('order_id', $orderId)
+            ->where('commission_reward_status', CommissionRewardLibrary::COMMISSION_REWARD_STATUS_WAITING)
+            ->select();
+        foreach ($commissionOrders as $commissionOrder) {
+            if ($commissionOrder['commission_event'] === $event || $event === 'admin') {
+                $commissionLib->runCommissionRewardByOrder($event, $commissionOrder);
+            }
+        }
+
+        $regionalLib = new RegionalRewardLibrary();
+        $regionalOrders = RegionalOrderModel::where('order_id', $orderId)
+            ->where('commission_reward_status', RegionalRewardLibrary::STATUS_WAITING)
+            ->select();
+        foreach ($regionalOrders as $regionalOrder) {
+            if ($regionalOrder['commission_event'] === $event) {
+                $regionalLib->settleByRegionalOrder($regionalOrder->id, $event);
+            }
+        }
+    }
+}
diff --git a/addons/shopro/listener/commission/CommissionHook.php b/addons/shopro/listener/commission/CommissionHook.php
index f44970c..4e652e0 100644
--- a/addons/shopro/listener/commission/CommissionHook.php
+++ b/addons/shopro/listener/commission/CommissionHook.php
@@ -5,6 +5,7 @@ namespace addons\shopro\listener\commission;
 use addons\shopro\library\commission\Agent as AgentLibrary;
 use addons\shopro\library\commission\Commission as CommissionLibrary;
 use addons\shopro\library\commission\Reward as RewardLibrary;
+use addons\shopro\library\split\SplitWalletSettlement;
 use addons\shopro\model\Order;
 use addons\shopro\model\OrderItem;
 
@@ -48,8 +49,10 @@ class CommissionHook
                     $commissionOrder = $commission->addCommissionOrder();
                     // 执行奖金计划
                     $commission->runCommissionPlan($commissionOrder);
-                    // 支付后拨款
-                    (new RewardLibrary())->runCommissionRewardByOrder('payed', $commissionOrder->id);
+                    // 支付后拨款（汇付分账同事件时延至分账结果后再结算）
+                    if (!SplitWalletSettlement::shouldDeferCommissionWallet($order, 'payed')) {
+                        (new RewardLibrary())->runCommissionRewardByOrder('payed', $commissionOrder->id);
+                    }
                 }
             }
         }
diff --git a/addons/shopro/listener/split/SplitHook.php b/addons/shopro/listener/split/SplitHook.php
index 1a4d091..1b15d6e 100644
--- a/addons/shopro/listener/split/SplitHook.php
+++ b/addons/shopro/listener/split/SplitHook.php
@@ -4,7 +4,6 @@ namespace addons\shopro\listener\split;
 
 use addons\shopro\library\split\Config;
 use addons\shopro\library\split\SplitExecutor;
-
 class SplitHook
 {
     protected function shouldRun($event)
@@ -21,7 +20,7 @@ class SplitHook
         if (!$this->shouldRun('payed')) {
             return;
         }
-        $this->runSplit($params);
+        $this->runSplit($params, 'payed');
     }
 
     public function orderConfirmAfter(&$params)
@@ -29,7 +28,7 @@ class SplitHook
         if (!$this->shouldRun('confirm')) {
             return;
         }
-        $this->runSplit($params);
+        $this->runSplit($params, 'confirm');
     }
 
     public function orderFinish(&$params)
@@ -37,7 +36,7 @@ class SplitHook
         if (!$this->shouldRun('finish')) {
             return;
         }
-        $this->runSplit($params);
+        $this->runSplit($params, 'finish');
     }
 
     public function orderRefundAfter(&$params)
@@ -52,12 +51,12 @@ class SplitHook
         }
     }
 
-    protected function runSplit($params)
+    protected function runSplit($params, $event)
     {
         $order = $params['order'] ?? null;
         if (!$order) {
             return;
         }
-        (new SplitExecutor())->executeByOrderId($order['id']);
+        (new SplitExecutor())->executeByOrderId($order['id'], $event);
     }
 }
diff --git a/addons/shopro/tests/split_commission_verify.php b/addons/shopro/tests/split_commission_verify.php
index aecc2e4..e8f6ce6 100644
--- a/addons/shopro/tests/split_commission_verify.php
+++ b/addons/shopro/tests/split_commission_verify.php
@@ -197,7 +197,7 @@ function printSummary()
     echo "  · 网关分账金额来自 commission/regional reward 或 split_rule\n";
     echo "  · 汇付：推广员/区域 huifu_id 收 div_amt，余款进 platform_huifu_id 或主商户 huifu_id\n";
     echo "  · 业务佣金结算仍写 shopro_user_wallet_log（commission_income / regional_agent_income）\n";
-    echo "  · Config::shouldSkipWallet() 未接入 Reward，分账开启时仍可能同时入账钱包 → 用 anomalies 命令排查\n";
+    echo "  · 汇付/微信分账成功：佣金标记已结算且不入 user.money；分账失败则回退入钱包\n";
 
     $since = time() - 90 * 86400;
     $stats = Db::name('shopro_split_order')->alias('so')