diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardQuery.php b/addons/shopro_huifu/library/onboard/HuifuOnboardQuery.php
index 8bc83e1..2a2b105 100644
--- a/addons/shopro_huifu/library/onboard/HuifuOnboardQuery.php
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardQuery.php
@@ -132,10 +132,43 @@ class HuifuOnboardQuery
             return false;
         }
         $stat = strtolower((string) ($data['user_status'] ?? $data['status'] ?? $data['acct_stat'] ?? ''));
-        $active = in_array($stat, ['n', 'normal', 's', 'success', '1'], true);
+        $respCode = (string) ($data['resp_code'] ?? '');
+        $settleConfig = $this->decodeJsonObject($data['settle_config'] ?? null);
+        $cashConfigList = $this->decodeJsonList($data['qry_cash_config_list'] ?? null);
+        $settleActive = (string) ($settleConfig['settle_status'] ?? '') === '1';
+        $cashActive = false;
+        foreach ($cashConfigList as $cashConfig) {
+            if ((string) ($cashConfig['switch_state'] ?? '') === '1') {
+                $cashActive = true;
+                break;
+            }
+        }
+        $active = in_array($stat, ['n', 'normal', 's', 'success', '1'], true)
+            || ($respCode === '00000000' && ($settleActive || $cashActive));
         \think\Log::error('[shopro_huifu] onboard basic active check stat=' . $stat
+            . ' resp_code=' . $respCode
+            . ' settle_active=' . ($settleActive ? '1' : '0')
+            . ' cash_active=' . ($cashActive ? '1' : '0')
             . ' active=' . ($active ? '1' : '0')
             . ' keys=' . implode(',', array_keys($data)));
         return $active;
     }
+
+    protected function decodeJsonObject($value)
+    {
+        if (is_array($value)) {
+            return $value;
+        }
+        $decoded = json_decode((string) $value, true);
+        return is_array($decoded) ? $decoded : [];
+    }
+
+    protected function decodeJsonList($value)
+    {
+        $decoded = $this->decodeJsonObject($value);
+        if (isset($decoded[0]) && is_array($decoded[0])) {
+            return $decoded;
+        }
+        return [];
+    }
 }