diff --git a/addons/shopro/library/split/SplitWalletSettlement.php b/addons/shopro/library/split/SplitWalletSettlement.php
index f26e0ce..fd98b0b 100644
--- a/addons/shopro/library/split/SplitWalletSettlement.php
+++ b/addons/shopro/library/split/SplitWalletSettlement.php
@@ -22,20 +22,52 @@ class SplitWalletSettlement
 {
     public static function shouldDeferCommissionWallet($order, $event)
     {
-        if (!self::shouldDeferForGatewaySplit($order, $event)) {
+        $commissionEvent = (new CommissionConfig())->getCommissionEvent();
+        if ($commissionEvent !== $event && $event !== 'admin') {
             return false;
         }
-        $commissionEvent = (new CommissionConfig())->getCommissionEvent();
-        return $commissionEvent === $event;
+        return self::shouldDeferWalletUntilGatewaySplitResolves($order);
     }
 
     public static function shouldDeferRegionalWallet($order, $event)
     {
-        if (!self::shouldDeferForGatewaySplit($order, $event)) {
+        $regionalEvent = (new RegionalConfig())->getCommissionEvent();
+        if ($regionalEvent !== $event && $event !== 'admin') {
             return false;
         }
-        $regionalEvent = (new RegionalConfig())->getCommissionEvent();
-        return $regionalEvent === $event;
+        return self::shouldDeferWalletUntilGatewaySplitResolves($order);
+    }
+
+    /**
+     * 分销/区域结算事件（如 payed）早于 split_timing（如 confirm）时，仍应等分账结束再入钱包
+     */
+    protected static function shouldDeferWalletUntilGatewaySplitResolves($order)
+    {
+        if (is_numeric($order)) {
+            $order = Order::get($order);
+        }
+        if (!$order) {
+            return false;
+        }
+
+        $config = new Config();
+        if (!$config->isEnable() || !$config->shouldSkipWallet()) {
+            return false;
+        }
+        if (self::isSplitSuccessful($order['id'])) {
+            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;
     }
 
     /**
diff --git a/addons/shopro_huifu/command/SyncSplitReceivers.php b/addons/shopro_huifu/command/SyncSplitReceivers.php
new file mode 100644
index 0000000..23fbac9
--- /dev/null
+++ b/addons/shopro_huifu/command/SyncSplitReceivers.php
@@ -0,0 +1,84 @@
+<?php
+
+namespace addons\shopro_huifu\command;
+
+use addons\shopro_huifu\library\Bridge;
+use addons\shopro_huifu\library\HuifuClient;
+use addons\shopro_huifu\library\split\HuifuMerchantSplitService;
+use think\console\Command;
+use think\console\Input;
+use think\console\input\Option;
+use think\console\Output;
+
+class SyncSplitReceivers extends Command
+{
+    protected function configure()
+    {
+        $this->setName('shopro_huifu:sync-split-receivers')
+            ->addOption('dry-run', null, Option::VALUE_NONE, '仅预览将提交的接收方与参数，不调汇付')
+            ->addOption('init-only', null, Option::VALUE_NONE, '仅提交主商户分账开关(rule_origin=01)，不带接收方列表')
+            ->addOption('huifu-id', null, Option::VALUE_OPTIONAL, '主商户汇付号，默认 platform_huifu_id 或插件 huifu_id')
+            ->setDescription('Submit v2/merchant/split/config and bind approved onboard huifu_ids as split receivers');
+    }
+
+    protected function execute(Input $input, Output $output)
+    {
+        if (!Bridge::isEnabled()) {
+            $output->writeln('[FAIL] 汇付插件未启用');
+            return 1;
+        }
+
+        $service = new HuifuMerchantSplitService();
+        $main = trim((string) $input->getOption('huifu-id'));
+        if ($main === '') {
+            $main = $service->resolveMainHuifuId();
+        }
+        $output->writeln('主商户 huifu_id: ' . $main);
+        $output->writeln('apply_ratio(最大分账比例%): ' . $service->resolveApplyRatio());
+
+        $dryRun = (bool) $input->getOption('dry-run');
+        $initOnly = (bool) $input->getOption('init-only');
+        $options = [
+            'dry_run'       => $dryRun,
+            'main_huifu_id' => $main,
+        ];
+
+        if ($initOnly) {
+            $output->writeln('模式: init-only（不带 acct_split_bunch_list）');
+            $result = $service->submitSplitConfig([], $options);
+        } else {
+            $output->writeln('模式: 全量（远端已绑 + 本地已进件 approved）');
+            $result = $service->syncAllApprovedReceivers($options);
+        }
+
+        if (!empty($result['dry_run'])) {
+            $output->writeln('[DRY-RUN] 将提交接收方 ' . count($result['receivers'] ?? []) . ' 个');
+            $output->writeln(json_encode($result['data'] ?? [], JSON_UNESCAPED_UNICODE | JSON_PRETTY_PRINT));
+            return 0;
+        }
+
+        $output->writeln('resp: ' . ($result['message'] ?? ''));
+        if (isset($result['resp_code'])) {
+            $output->writeln('resp_code: ' . $result['resp_code']);
+        }
+        if (isset($result['submitted'])) {
+            $output->writeln('提交接收方数量: ' . $result['submitted']
+                . '（远端已有 ' . ($result['remote'] ?? 0) . '，本地进件 ' . ($result['local'] ?? 0) . '）');
+        }
+        if (!empty($result['receivers'])) {
+            foreach ($result['receivers'] as $hid) {
+                $output->writeln('  - ' . $hid);
+            }
+        }
+
+        if (empty($result['ok'])) {
+            $output->writeln('[FAIL] 提交未成功，请查看日志 [shopro_huifu] split/config');
+            return 1;
+        }
+
+        $output->writeln('');
+        $output->writeln('下一步: php think shopro_huifu:query-split-config --huifu-id=' . $main);
+        $output->writeln('（配置若走异步审核，需等待生效后再测 delaytrans/confirm）');
+        return 0;
+    }
+}
diff --git a/addons/shopro_huifu/library/HuifuClient.php b/addons/shopro_huifu/library/HuifuClient.php
index 536d712..8c07a0e 100644
--- a/addons/shopro_huifu/library/HuifuClient.php
+++ b/addons/shopro_huifu/library/HuifuClient.php
@@ -587,6 +587,36 @@ class HuifuClient
         return $this->safeApiResult($this->postRequest($request));
     }
 
+    /**
+     * 商户分账配置提交 v2/merchant/split/config
+     *
+     * @param array<string,mixed> $extend rule_origin、div_flag、apply_ratio、acct_split_bunch_list 等
+     */
+    public function submitMerchantSplitConfig($huifuId, array $extend)
+    {
+        $huifuId = trim((string) $huifuId);
+        if ($huifuId === '') {
+            return ['ok' => false, 'message' => '缺少 huifu_id', 'data' => null];
+        }
+
+        SdkLoader::requireRequest('V2MerchantSplitConfigRequest.php');
+        $request = new \BsPaySdk\request\V2MerchantSplitConfigRequest();
+        $request->setHuifuId($huifuId);
+        $request->setReqDate(date('Ymd'));
+        $request->setReqSeqId('SPLCFG' . date('YmdHis') . mt_rand(1000, 9999));
+
+        $productId = trim((string) ($extend['product_id'] ?? $this->config->get('product_id')));
+        if ($productId !== '' && !isset($extend['product_id'])) {
+            $extend['product_id'] = $productId;
+        }
+        $request->setExtendInfo($extend);
+
+        \think\Log::write('[shopro_huifu] split/config request huifu_id=' . $huifuId
+            . ' extend=' . json_encode($extend, JSON_UNESCAPED_UNICODE), 'info');
+
+        return $this->safeApiResult($this->postRequest($request));
+    }
+
 
 
     /**
diff --git a/addons/shopro_huifu/library/Installer.php b/addons/shopro_huifu/library/Installer.php
index 3ffbfc6..a626594 100644
--- a/addons/shopro_huifu/library/Installer.php
+++ b/addons/shopro_huifu/library/Installer.php
@@ -27,6 +27,7 @@ class Installer
         self::importSqlFile($addonDir . 'upgrade_huifu_split.sql', $output, true);
         self::importSqlFile($addonDir . 'upgrade_huifu_onboard.sql', $output, true);
         self::importSqlFile($addonDir . 'upgrade_huifu_onboard_account.sql', $output, true);
+        self::importSqlFile($addonDir . 'upgrade_huifu_split_bind.sql', $output, true);
         self::upgradePayTypeColumn($output);
 
         self::log($output, '注册汇付/分账菜单 ...');
@@ -170,6 +171,7 @@ class Installer
         self::importSqlFile($addonDir . 'upgrade_huifu_split.sql', $output, true);
         self::importSqlFile($addonDir . 'upgrade_huifu_onboard.sql', $output, true);
         self::importSqlFile($addonDir . 'upgrade_huifu_onboard_account.sql', $output, true);
+        self::importSqlFile($addonDir . 'upgrade_huifu_split_bind.sql', $output, true);
         self::upgradePayTypeColumn($output);
     }
 
diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardReceiverSync.php b/addons/shopro_huifu/library/onboard/HuifuOnboardReceiverSync.php
index 39efd87..98c262c 100644
--- a/addons/shopro_huifu/library/onboard/HuifuOnboardReceiverSync.php
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardReceiverSync.php
@@ -42,10 +42,11 @@ class HuifuOnboardReceiverSync
             $existing->status = 'normal';
             $existing->updatetime = $now;
             $existing->save();
+            self::bindHuifuSplitReceiver($row);
             return $existing;
         }
 
-        return Receiver::create([
+        $created = Receiver::create([
             'role_type' => $row['role_type'],
             'role_id' => $roleId,
             'channel' => 'huifu',
@@ -58,6 +59,23 @@ class HuifuOnboardReceiverSync
             'createtime' => $now,
             'updatetime' => $now,
         ]);
+        self::bindHuifuSplitReceiver($row);
+        return $created;
+    }
+
+    /**
+     * 进件通过后向汇付主商户提交 split/config，绑定子户为分账接收方
+     */
+    protected static function bindHuifuSplitReceiver(Onboard $row)
+    {
+        if (!class_exists('\\addons\\shopro_huifu\\library\\split\\HuifuMerchantSplitService')) {
+            return;
+        }
+        try {
+            (new \addons\shopro_huifu\library\split\HuifuMerchantSplitService())->bindOnboardReceiver($row);
+        } catch (\Throwable $e) {
+            \think\Log::error('[shopro_huifu] onboard split bind: ' . $e->getMessage());
+        }
     }
 
     public static function bindOnboardId($roleType, $roleRefId, $onboardId)
diff --git a/addons/shopro_huifu/library/sdk/extracted/huifurepo-bspay-php-sdk-45b895b/BsPaySdk/request/V2MerchantSplitConfigRequest.php b/addons/shopro_huifu/library/sdk/extracted/huifurepo-bspay-php-sdk-45b895b/BsPaySdk/request/V2MerchantSplitConfigRequest.php
new file mode 100644
index 0000000..5a6af8b
--- /dev/null
+++ b/addons/shopro_huifu/library/sdk/extracted/huifurepo-bspay-php-sdk-45b895b/BsPaySdk/request/V2MerchantSplitConfigRequest.php
@@ -0,0 +1,50 @@
+<?php
+
+namespace BsPaySdk\request;
+
+use BsPaySdk\enums\FunctionCodeEnum;
+
+/**
+ * 商户分账配置 v2/merchant/split/config
+ */
+class V2MerchantSplitConfigRequest extends BaseRequest
+{
+    private $reqSeqId;
+    private $reqDate;
+    private $huifuId;
+
+    public function getFunctionCode()
+    {
+        return FunctionCodeEnum::$V2_MERCHANT_SPLIT_CONFIG;
+    }
+
+    public function getReqSeqId()
+    {
+        return $this->reqSeqId;
+    }
+
+    public function setReqSeqId($reqSeqId)
+    {
+        $this->reqSeqId = $reqSeqId;
+    }
+
+    public function getReqDate()
+    {
+        return $this->reqDate;
+    }
+
+    public function setReqDate($reqDate)
+    {
+        $this->reqDate = $reqDate;
+    }
+
+    public function getHuifuId()
+    {
+        return $this->huifuId;
+    }
+
+    public function setHuifuId($huifuId)
+    {
+        $this->huifuId = $huifuId;
+    }
+}
diff --git a/addons/shopro_huifu/library/split/HuifuMerchantSplitService.php b/addons/shopro_huifu/library/split/HuifuMerchantSplitService.php
new file mode 100644
index 0000000..c222e91
--- /dev/null
+++ b/addons/shopro_huifu/library/split/HuifuMerchantSplitService.php
@@ -0,0 +1,351 @@
+<?php
+
+namespace addons\shopro_huifu\library\split;
+
+use addons\shopro_huifu\library\Bridge;
+use addons\shopro_huifu\library\HuifuClient;
+use addons\shopro_huifu\library\HuifuConfig;
+use addons\shopro_huifu\model\Onboard;
+use think\Db;
+use think\Log;
+
+/**
+ * 主商户分账配置提交 + 进件子户绑定为分账接收方（v2/merchant/split/config）
+ */
+class HuifuMerchantSplitService
+{
+    /** @var HuifuClient */
+    protected $client;
+
+    /** @var HuifuConfig */
+    protected $config;
+
+    public function __construct(HuifuClient $client = null)
+    {
+        $this->client = $client ?: new HuifuClient();
+        $this->config = HuifuConfig::getInstance();
+    }
+
+    public function isEnabled()
+    {
+        return Bridge::isEnabled();
+    }
+
+    public function resolveMainHuifuId()
+    {
+        try {
+            $platform = trim((string) Db::name('shopro_split_config')->where('name', 'platform_huifu_id')->value('value'));
+            if ($platform !== '') {
+                return $platform;
+            }
+        } catch (\Exception $e) {
+            // ignore
+        }
+        return trim((string) $this->config->get('huifu_id'));
+    }
+
+    public function resolveApplyRatio()
+    {
+        $rate = 30.0;
+        try {
+            $rate = floatval(Db::name('shopro_split_config')->where('name', 'split_max_rate')->value('value'));
+        } catch (\Exception $e) {
+            // ignore
+        }
+        if ($rate <= 0 || $rate > 100) {
+            $rate = 30.0;
+        }
+        return number_format($rate, 2, '.', '');
+    }
+
+    /**
+     * @return string[]
+     */
+    public function collectApprovedReceiverHuifuIds()
+    {
+        $main = $this->resolveMainHuifuId();
+        $rows = Onboard::where('onboard_status', Onboard::STATUS_APPROVED)
+            ->where('huifu_id', '<>', '')
+            ->whereNotNull('huifu_id')
+            ->field('huifu_id')
+            ->select();
+        $ids = [];
+        foreach ($rows as $row) {
+            $hid = trim((string) $row['huifu_id']);
+            if ($hid === '' || $hid === $main) {
+                continue;
+            }
+            $ids[$hid] = $hid;
+        }
+        return array_values($ids);
+    }
+
+    /**
+     * @return string[]
+     */
+    public function fetchRemoteReceiverHuifuIds($mainHuifuId = null)
+    {
+        $mainHuifuId = $mainHuifuId ?: $this->resolveMainHuifuId();
+        $result = $this->client->queryMerchantSplitConfig($mainHuifuId);
+        if (!$result['ok']) {
+            return [];
+        }
+        $items = HuifuClient::parseSplitBillResult($result['data']['split_bill_result'] ?? null);
+        $ids = [];
+        foreach ($items as $item) {
+            $receivers = $this->parseAcctSplitBunchList($item['acct_split_bunch_list'] ?? null);
+            foreach ($receivers as $r) {
+                $hid = trim((string) ($r['huifu_id'] ?? ''));
+                if ($hid !== '') {
+                    $ids[$hid] = $hid;
+                }
+            }
+        }
+        return array_values($ids);
+    }
+
+    /**
+     * @param string[] $receiverHuifuIds
+     * @return array{ok:bool,message:string,data:?array,dry_run?:bool,receivers?:string[]}
+     */
+    public function submitSplitConfig(array $receiverHuifuIds, array $options = [])
+    {
+        $dryRun = !empty($options['dry_run']);
+        $mainHuifuId = trim((string) ($options['main_huifu_id'] ?? $this->resolveMainHuifuId()));
+        if ($mainHuifuId === '') {
+            throw new \InvalidArgumentException('缺少主商户 huifu_id');
+        }
+
+        $applyRatio = (string) ($options['apply_ratio'] ?? $this->resolveApplyRatio());
+        $ruleOrigin = trim((string) ($options['rule_origin'] ?? '01'));
+        if (!in_array($ruleOrigin, ['01', '02'], true)) {
+            $ruleOrigin = '01';
+        }
+
+        $receiverHuifuIds = $this->normalizeReceiverIds($receiverHuifuIds, $mainHuifuId);
+
+        $extend = [
+            'product_id'   => trim((string) $this->config->get('product_id')),
+            'rule_origin'  => $ruleOrigin,
+            'repeal_flag'  => (string) ($options['repeal_flag'] ?? 'Y'),
+            'refund_flag'  => (string) ($options['refund_flag'] ?? 'Y'),
+            'div_flag'     => (string) ($options['div_flag'] ?? 'Y'),
+            'apply_ratio'  => $applyRatio,
+            'start_type'   => (string) ($options['start_type'] ?? '0'),
+        ];
+
+        $asyncUrl = trim((string) ($options['async_return_url'] ?? $this->config->get('split_config_async_url', '')));
+        if ($asyncUrl !== '') {
+            $extend['async_return_url'] = $asyncUrl;
+        }
+
+        if ($receiverHuifuIds !== []) {
+            $extend['acct_split_bunch_list'] = $this->encodeAcctSplitBunchList($receiverHuifuIds, $applyRatio);
+        } elseif ($ruleOrigin === '02') {
+            throw new \InvalidArgumentException('rule_origin=02 时必须提供分账接收方列表');
+        }
+
+        if ($dryRun) {
+            return [
+                'ok'         => true,
+                'message'    => 'dry-run',
+                'dry_run'    => true,
+                'receivers'  => $receiverHuifuIds,
+                'data'       => ['extend' => $extend, 'huifu_id' => $mainHuifuId],
+            ];
+        }
+
+        $result = $this->client->submitMerchantSplitConfig($mainHuifuId, $extend);
+        Log::write('[shopro_huifu] split/config submit main=' . $mainHuifuId
+            . ' receivers=' . count($receiverHuifuIds)
+            . ' ok=' . ($result['ok'] ? '1' : '0')
+            . ' msg=' . ($result['message'] ?? ''), 'info');
+
+        return $result;
+    }
+
+    /**
+     * 全量同步：合并远端 + 全部已进件子户，一次提交 split/config
+     *
+     * @return array{ok:bool,message:string,submitted:int,receivers:string[],remote:int,local:int}
+     */
+    public function syncAllApprovedReceivers(array $options = [])
+    {
+        if (!$this->isEnabled()) {
+            throw new \RuntimeException('汇付插件未启用');
+        }
+
+        $main = $this->resolveMainHuifuId();
+        $local = $this->collectApprovedReceiverHuifuIds();
+        $remote = $this->fetchRemoteReceiverHuifuIds($main);
+        $merged = $this->normalizeReceiverIds(array_merge($remote, $local), $main);
+
+        $submit = $this->submitSplitConfig($merged, $options);
+        $ok = !empty($submit['ok']) && empty($submit['dry_run']);
+        $respCode = is_array($submit['data'] ?? null) ? (string) ($submit['data']['resp_code'] ?? '') : '';
+        $businessOk = $respCode === '' || $respCode === '00000000';
+
+        if ($ok && $businessOk && empty($options['dry_run'])) {
+            $this->markOnboardBindByHuifuIds($merged, 'ok', $submit['message'] ?? 'submitted');
+        } elseif (!$ok && empty($options['dry_run'])) {
+            $this->markOnboardBindByHuifuIds($local, 'fail', $submit['message'] ?? 'submit failed');
+        }
+
+        return [
+            'ok'         => !empty($submit['ok']) && ($businessOk || !empty($submit['dry_run'])),
+            'message'    => (string) ($submit['message'] ?? ''),
+            'submitted'  => count($merged),
+            'receivers'  => $merged,
+            'remote'     => count($remote),
+            'local'      => count($local),
+            'resp_code'  => $respCode,
+            'data'       => $submit['data'] ?? null,
+        ];
+    }
+
+    /**
+     * 单条进件通过后：合并远端列表 + 该子户，提交 split/config
+     */
+    public function bindOnboardReceiver(Onboard $row, array $options = [])
+    {
+        if (!$this->isEnabled()) {
+            return ['ok' => false, 'message' => '汇付未启用', 'skipped' => true];
+        }
+        if ($row['onboard_status'] !== Onboard::STATUS_APPROVED) {
+            return ['ok' => false, 'message' => '进件未通过', 'skipped' => true];
+        }
+        $hid = trim((string) ($row['huifu_id'] ?? ''));
+        if ($hid === '') {
+            return ['ok' => false, 'message' => '无 huifu_id', 'skipped' => true];
+        }
+
+        $main = $this->resolveMainHuifuId();
+        if ($hid === $main) {
+            $this->updateOnboardBindFields($row, 'skip', '与主商户相同，不作为分账接收方');
+            return ['ok' => true, 'message' => 'skip main merchant', 'skipped' => true];
+        }
+
+        if (!$this->shouldAutoBindOnboard()) {
+            return ['ok' => false, 'message' => 'split_auto_bind_receiver=0', 'skipped' => true];
+        }
+
+        $remote = $this->fetchRemoteReceiverHuifuIds($main);
+        $local = $this->collectApprovedReceiverHuifuIds();
+        $merged = $this->normalizeReceiverIds(array_merge($remote, $local, [$hid]), $main);
+
+        try {
+            $submit = $this->submitSplitConfig($merged, $options);
+        } catch (\Throwable $e) {
+            $this->updateOnboardBindFields($row, 'fail', $e->getMessage());
+            Log::error('[shopro_huifu] bind onboard split fail id=' . $row['id'] . ' ' . $e->getMessage());
+            return ['ok' => false, 'message' => $e->getMessage()];
+        }
+
+        $respCode = is_array($submit['data'] ?? null) ? (string) ($submit['data']['resp_code'] ?? '') : '';
+        $businessOk = !empty($submit['ok']) && ($respCode === '' || $respCode === '00000000');
+
+        if ($businessOk) {
+            $this->updateOnboardBindFields($row, 'ok', $submit['message'] ?? 'ok');
+        } else {
+            $this->updateOnboardBindFields($row, 'fail', $submit['message'] ?? 'resp_code=' . $respCode);
+        }
+
+        return [
+            'ok'        => $businessOk,
+            'message'   => (string) ($submit['message'] ?? ''),
+            'receivers' => $merged,
+            'resp_code' => $respCode,
+        ];
+    }
+
+    public function shouldAutoBindOnboard()
+    {
+        $v = $this->config->get('split_auto_bind_receiver', '1');
+        return (string) $v !== '0';
+    }
+
+    /**
+     * @param string[] $huifuIds
+     */
+    protected function encodeAcctSplitBunchList(array $huifuIds, $feeRate)
+    {
+        $list = [];
+        foreach ($huifuIds as $hid) {
+            $list[] = [
+                'huifu_id' => $hid,
+                'fee_rate' => $feeRate,
+            ];
+        }
+        return json_encode($list, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES);
+    }
+
+    /**
+     * @param string[] $ids
+     * @return string[]
+     */
+    protected function normalizeReceiverIds(array $ids, $mainHuifuId)
+    {
+        $mainHuifuId = trim((string) $mainHuifuId);
+        $out = [];
+        foreach ($ids as $id) {
+            $hid = trim((string) $id);
+            if ($hid === '' || $hid === $mainHuifuId) {
+                continue;
+            }
+            $out[$hid] = $hid;
+        }
+        ksort($out);
+        return array_values($out);
+    }
+
+    protected function parseAcctSplitBunchList($raw)
+    {
+        if ($raw === null || $raw === '') {
+            return [];
+        }
+        if (is_string($raw)) {
+            $decoded = json_decode($raw, true);
+            if (!is_array($decoded)) {
+                return [];
+            }
+            return $decoded;
+        }
+        return is_array($raw) ? $raw : [];
+    }
+
+    /**
+     * @param string[] $huifuIds
+     */
+    protected function markOnboardBindByHuifuIds(array $huifuIds, $status, $message)
+    {
+        if ($huifuIds === []) {
+            return;
+        }
+        $now = time();
+        $msg = mb_substr((string) $message, 0, 480);
+        try {
+            Db::name('shopro_huifu_onboard')
+                ->where('huifu_id', 'in', $huifuIds)
+                ->where('onboard_status', Onboard::STATUS_APPROVED)
+                ->update([
+                    'split_bind_status' => $status,
+                    'split_bind_message' => $msg,
+                    'split_bind_time'    => $now,
+                ]);
+        } catch (\Exception $e) {
+            // 未执行 upgrade 列时忽略
+        }
+    }
+
+    protected function updateOnboardBindFields(Onboard $row, $status, $message)
+    {
+        try {
+            $row->split_bind_status = $status;
+            $row->split_bind_message = mb_substr((string) $message, 0, 480);
+            $row->split_bind_time = time();
+            $row->save();
+        } catch (\Exception $e) {
+            // 列不存在时不阻断
+        }
+    }
+}
diff --git a/addons/shopro_huifu/upgrade_huifu_split_bind.sql b/addons/shopro_huifu/upgrade_huifu_split_bind.sql
new file mode 100644
index 0000000..dc13f69
--- /dev/null
+++ b/addons/shopro_huifu/upgrade_huifu_split_bind.sql
@@ -0,0 +1,9 @@
+-- 进件汇付分账接收方绑定状态（split/config 提交结果）
+ALTER TABLE `__PREFIX__shopro_huifu_onboard`
+  ADD COLUMN `split_bind_status` varchar(20) DEFAULT NULL COMMENT 'ok|fail|skip|pending' AFTER `resp_snapshot`,
+  ADD COLUMN `split_bind_message` varchar(500) DEFAULT NULL COMMENT 'split/config 回执摘要' AFTER `split_bind_status`,
+  ADD COLUMN `split_bind_time` int(10) DEFAULT NULL COMMENT '最近绑定尝试时间' AFTER `split_bind_message`;
+
+INSERT IGNORE INTO `__PREFIX__shopro_huifu_config` (`name`, `value`, `group`, `description`) VALUES
+('split_auto_bind_receiver', '1', 'split', '进件通过后自动调 v2/merchant/split/config 绑定分账接收方(0关1开)'),
+('split_config_async_url', '', 'split', '分账配置异步通知 virgo:// 地址，可选');
diff --git a/application/command.php b/application/command.php
index bec8bac..80da871 100644
--- a/application/command.php
+++ b/application/command.php
@@ -25,6 +25,7 @@ return [
     'addons\shopro_huifu\command\TestPayConnection',
     'addons\shopro_huifu\command\ProbeWechatOnboarding',
     'addons\shopro_huifu\command\QuerySplitConfig',
+    'addons\shopro_huifu\command\SyncSplitReceivers',
     'addons\shopro_huifu\command\DiagnoseFreezeFlow',
     'addons\shopro_huifu\command\OnboardPoll',
     'addons\shopro_huifu\command\OnboardAutoSubmit',