diff --git a/api/proto/luckygift/v1/luckygift.pb.go b/api/proto/luckygift/v1/luckygift.pb.go
index dde51200..384878f1 100644
--- a/api/proto/luckygift/v1/luckygift.pb.go
+++ b/api/proto/luckygift/v1/luckygift.pb.go
@@ -126,8 +126,9 @@ type LuckyGiftMeta struct {
 	Recharge_7DCoins  int64 `protobuf:"varint,19,opt,name=recharge_7d_coins,json=recharge7dCoins,proto3" json:"recharge_7d_coins,omitempty"`
 	Recharge_30DCoins int64 `protobuf:"varint,20,opt,name=recharge_30d_coins,json=recharge30dCoins,proto3" json:"recharge_30d_coins,omitempty"`
 	LastRechargedAtMs int64 `protobuf:"varint,21,opt,name=last_recharged_at_ms,json=lastRechargedAtMs,proto3" json:"last_recharged_at_ms,omitempty"`
-	// gift_income_coins 是滚动兼容保留的旧字段名，实际承载 wallet 按后台礼物比例配置结算的
-	// host_period_diamond_added。幸运礼物服务只能消费该 owner 回执，不能再用幸运礼物规则里的主播比例覆盖它。
+	// gift_income_coins 是滚动兼容保留的旧字段名，实际承载 wallet 本次结算的主播收益：
+	// POINT 政策读 host_point_added，旧链路读 host_period_diamond_added；Agency 额外收益不包含在内。
+	// 幸运礼物服务只能消费该 owner 回执，不能再用幸运礼物规则里的主播比例覆盖它。
 	GiftIncomeCoins int64 `protobuf:"varint,22,opt,name=gift_income_coins,json=giftIncomeCoins,proto3" json:"gift_income_coins,omitempty"`
 	// user_registered_at_ms 是 user-service 在送礼入口返回的账号创建事实快照。
 	// dynamic_v3 只用它判断闭窗时账号是否已满 48 小时；缺失时普通开奖继续，但补偿大奖资格 fail-close。
diff --git a/api/proto/luckygift/v1/luckygift.proto b/api/proto/luckygift/v1/luckygift.proto
index 1ccec2d1..98730f19 100644
--- a/api/proto/luckygift/v1/luckygift.proto
+++ b/api/proto/luckygift/v1/luckygift.proto
@@ -40,8 +40,9 @@ message LuckyGiftMeta {
   int64 recharge_7d_coins = 19;
   int64 recharge_30d_coins = 20;
   int64 last_recharged_at_ms = 21;
-  // gift_income_coins 是滚动兼容保留的旧字段名，实际承载 wallet 按后台礼物比例配置结算的
-  // host_period_diamond_added。幸运礼物服务只能消费该 owner 回执，不能再用幸运礼物规则里的主播比例覆盖它。
+  // gift_income_coins 是滚动兼容保留的旧字段名，实际承载 wallet 本次结算的主播收益：
+  // POINT 政策读 host_point_added，旧链路读 host_period_diamond_added；Agency 额外收益不包含在内。
+  // 幸运礼物服务只能消费该 owner 回执，不能再用幸运礼物规则里的主播比例覆盖它。
   int64 gift_income_coins = 22;
   // user_registered_at_ms 是 user-service 在送礼入口返回的账号创建事实快照。
   // dynamic_v3 只用它判断闭窗时账号是否已满 48 小时；缺失时普通开奖继续，但补偿大奖资格 fail-close。
diff --git a/scripts/apply-local-mysql-initdb.sh b/scripts/apply-local-mysql-initdb.sh
index a1e8597e..f3833a6c 100755
--- a/scripts/apply-local-mysql-initdb.sh
+++ b/scripts/apply-local-mysql-initdb.sh
@@ -41,6 +41,7 @@ INCREMENTAL_MIGRATION_FILES=(
 	"services/room-service/deploy/mysql/migrations/004_room_list_owner_vip_level.sql"
 	"services/wallet-service/deploy/mysql/migrations/002_resource_shop_price_tiers.sql"
 	"services/wallet-service/deploy/mysql/migrations/003_vip_resource_equipment_contract.sql"
+	"services/wallet-service/deploy/mysql/migrations/010_fami_agency_host_income_share.sql"
 )
 
 # Keep MySQL as the only required dependency for this script. Business services
diff --git a/server/admin/internal/modules/policyconfig/service.go b/server/admin/internal/modules/policyconfig/service.go
index 2dd799ab..b7a2464d 100644
--- a/server/admin/internal/modules/policyconfig/service.go
+++ b/server/admin/internal/modules/policyconfig/service.go
@@ -26,6 +26,9 @@ const (
 
 	policyTaskRewardAssetCoin = "COIN"
 
+	agencyShareBaseChargeAmount = "charge_amount"
+	agencyShareBaseHostIncome   = "host_income"
+
 	defaultPolicyTemplateCode    = "first_google70000_coin_seller_92000_100000_v1"
 	defaultPolicyTemplateVersion = "v1"
 )
@@ -64,12 +67,14 @@ type policyInstanceRow struct {
 }
 
 type compiledPolicy struct {
-	HostPointRatioPPM   int64
-	AgencyPointRatioPPM int64
-	PointsPerUSD        int64
-	WithdrawFeeBPS      int64
-	TaskRewardAssetType string
-	RuleJSON            json.RawMessage
+	HostPointRatioPPM    int64
+	HostUseGiftTypeRatio bool
+	AgencyPointRatioPPM  int64
+	AgencyShareBase      string
+	PointsPerUSD         int64
+	WithdrawFeeBPS       int64
+	TaskRewardAssetType  string
+	RuleJSON             json.RawMessage
 }
 
 func NewService(adminDB *sql.DB, walletDB *sql.DB, userDB *sql.DB, activity activityclient.Client) *Service {
@@ -565,7 +570,7 @@ func ensureWalletPolicyRuntimeTable(ctx context.Context, db *sql.DB) error {
 		  effective_to_ms BIGINT NOT NULL DEFAULT 0 COMMENT '0 表示长期有效',
 		  host_point_asset_type VARCHAR(32) NOT NULL DEFAULT 'POINT' COMMENT '主播收益积分资产',
 		  host_point_ratio_ppm BIGINT NOT NULL DEFAULT 700000 COMMENT '有效付费礼物转 POINT 比例，ppm',
-		  agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT '有效付费礼物给 Agency owner 的 POINT 分成比例，ppm',
+		  agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT 'Agency POINT 分成比例，计算基数由 rule_json agency.share_base 决定，ppm',
 		  points_per_usd BIGINT NOT NULL DEFAULT 100000 COMMENT 'POINT/USD 展示换算比例',
 		  withdraw_fee_bps INT NOT NULL DEFAULT 500 COMMENT '提现手续费 bps',
 		  rule_json JSON NOT NULL COMMENT '完整政策快照',
@@ -580,7 +585,7 @@ func ensureWalletPolicyRuntimeTable(ctx context.Context, db *sql.DB) error {
 		return err
 	}
 	// 运行库可能是旧版本建表；幂等补列保证发布新策略时不会因列缺失中断。
-	if _, err := db.ExecContext(ctx, `ALTER TABLE wallet_policy_instances ADD COLUMN agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT '有效付费礼物给 Agency owner 的 POINT 分成比例，ppm' AFTER host_point_ratio_ppm`); err != nil && !isDuplicateColumnError(err) {
+	if _, err := db.ExecContext(ctx, `ALTER TABLE wallet_policy_instances ADD COLUMN agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT 'Agency POINT 分成比例，计算基数由 rule_json agency.share_base 决定，ppm' AFTER host_point_ratio_ppm`); err != nil && !isDuplicateColumnError(err) {
 		return err
 	}
 	return nil
@@ -650,30 +655,76 @@ func compilePolicy(raw json.RawMessage) (compiledPolicy, error) {
 	pointsPerUSD := int64FromJSON(decoded["points_per_usd"], 100000)
 	host, _ := decoded["host"].(map[string]any)
 	hostRatioPercent := floatFromJSON(host["point_ratio_percent"], 70)
+	// 礼物类型倍率是 wallet 解释完整 rule_json 时使用的开关；Admin 只负责拒绝字符串/数字等歧义配置。
+	hostUseGiftTypeRatio, err := optionalBoolFromJSON(host, "use_gift_type_ratio", false)
+	if err != nil {
+		return compiledPolicy{}, errors.New("rule_json host use_gift_type_ratio must be boolean")
+	}
 	agency, _ := decoded["agency"].(map[string]any)
 	// Agency 比例由跨 App 共用的策略模板显式配置；旧模板缺字段时保持 0，避免发布动作隐式改变存量 App 账务。
 	agencyRatioPercent := floatFromJSON(agency["point_ratio_percent"], 0)
+	// charge_amount 延续旧策略的守恒分账；host_income 是平台在主播实际 POINT 收益之上追加，不能套用二者合计不超过 100% 的限制。
+	agencyShareBase, err := agencyShareBaseFromJSON(agency)
+	if err != nil {
+		return compiledPolicy{}, err
+	}
 	withdrawFeeBPS := int64FromJSON(host["withdraw_fee_bps"], 500)
 	ratioPPM := int64(math.Round(hostRatioPercent * 10000))
 	agencyRatioPPM := int64(math.Round(agencyRatioPercent * 10000))
 	tasks, _ := decoded["tasks"].(map[string]any)
 	taskRewardAssetType := strings.ToUpper(strings.TrimSpace(stringFromJSON(tasks["reward_asset_type"], policyTaskRewardAssetCoin)))
-	if pointsPerUSD <= 0 || ratioPPM <= 0 || ratioPPM > 1000000 || agencyRatioPPM < 0 || agencyRatioPPM > 1000000 || ratioPPM+agencyRatioPPM > 1000000 || withdrawFeeBPS < 0 || withdrawFeeBPS > 10000 {
+	if pointsPerUSD <= 0 || ratioPPM <= 0 || ratioPPM > 1000000 || agencyRatioPPM < 0 || agencyRatioPPM > 1000000 || withdrawFeeBPS < 0 || withdrawFeeBPS > 10000 {
+		return compiledPolicy{}, errors.New("rule_json host point policy is invalid")
+	}
+	if agencyShareBase == agencyShareBaseChargeAmount && ratioPPM+agencyRatioPPM > 1000000 {
 		return compiledPolicy{}, errors.New("rule_json host point policy is invalid")
 	}
 	if taskRewardAssetType != policyTaskRewardAssetCoin && taskRewardAssetType != "POINT" {
 		return compiledPolicy{}, errors.New("rule_json task reward asset_type is invalid")
 	}
 	return compiledPolicy{
-		HostPointRatioPPM:   ratioPPM,
-		AgencyPointRatioPPM: agencyRatioPPM,
-		PointsPerUSD:        pointsPerUSD,
-		WithdrawFeeBPS:      withdrawFeeBPS,
-		TaskRewardAssetType: taskRewardAssetType,
-		RuleJSON:            raw,
+		HostPointRatioPPM:    ratioPPM,
+		HostUseGiftTypeRatio: hostUseGiftTypeRatio,
+		AgencyPointRatioPPM:  agencyRatioPPM,
+		AgencyShareBase:      agencyShareBase,
+		PointsPerUSD:         pointsPerUSD,
+		WithdrawFeeBPS:       withdrawFeeBPS,
+		TaskRewardAssetType:  taskRewardAssetType,
+		// 不为编译字段增设运行表列；owner service 必须收到完整规则快照，才能按礼物类型和收益基数解释账务。
+		RuleJSON: raw,
 	}, nil
 }
 
+func agencyShareBaseFromJSON(agency map[string]any) (string, error) {
+	value, exists := agency["share_base"]
+	if !exists {
+		return agencyShareBaseChargeAmount, nil
+	}
+	shareBase, ok := value.(string)
+	if !ok {
+		return "", errors.New("rule_json agency share_base is invalid")
+	}
+	shareBase = strings.ToLower(strings.TrimSpace(shareBase))
+	switch shareBase {
+	case agencyShareBaseChargeAmount, agencyShareBaseHostIncome:
+		return shareBase, nil
+	default:
+		return "", errors.New("rule_json agency share_base is invalid")
+	}
+}
+
+func optionalBoolFromJSON(object map[string]any, key string, fallback bool) (bool, error) {
+	value, exists := object[key]
+	if !exists {
+		return fallback, nil
+	}
+	parsed, ok := value.(bool)
+	if !ok {
+		return false, errors.New("JSON value is not boolean")
+	}
+	return parsed, nil
+}
+
 func scanTemplate(row interface{ Scan(dest ...any) error }) (templateDTO, error) {
 	var item templateDTO
 	var rule string
diff --git a/server/admin/internal/modules/policyconfig/service_test.go b/server/admin/internal/modules/policyconfig/service_test.go
index 603c8698..ab2d4383 100644
--- a/server/admin/internal/modules/policyconfig/service_test.go
+++ b/server/admin/internal/modules/policyconfig/service_test.go
@@ -205,6 +205,9 @@ func TestCompilePolicyUsesExplicitAgencyRatioAndKeepsLegacyDefaultZero(t *testin
 	if fami.AgencyPointRatioPPM != 0 {
 		t.Fatalf("legacy policy without agency section must remain zero: %+v", fami)
 	}
+	if fami.AgencyShareBase != agencyShareBaseChargeAmount || fami.HostUseGiftTypeRatio {
+		t.Fatalf("legacy policy must keep charge_amount base and disabled gift type ratio: %+v", fami)
+	}
 	configured, err := compilePolicy(json.RawMessage(`{"host":{"point_ratio_percent":70},"agency":{"point_ratio_percent":20}}`))
 	if err != nil {
 		t.Fatalf("compile configured policy failed: %v", err)
@@ -212,6 +215,46 @@ func TestCompilePolicyUsesExplicitAgencyRatioAndKeepsLegacyDefaultZero(t *testin
 	if configured.AgencyPointRatioPPM != 200000 {
 		t.Fatalf("configured agency ratio mismatch: %+v", configured)
 	}
+	if configured.AgencyShareBase != agencyShareBaseChargeAmount {
+		t.Fatalf("missing agency share_base must use legacy charge_amount semantics: %+v", configured)
+	}
+}
+
+func TestCompilePolicyRejectsChargeAmountOverAllocation(t *testing.T) {
+	for name, ruleJSON := range map[string]json.RawMessage{
+		"legacy default": json.RawMessage(`{"host":{"point_ratio_percent":100},"agency":{"point_ratio_percent":20}}`),
+		"explicit base":  json.RawMessage(`{"host":{"point_ratio_percent":100},"agency":{"point_ratio_percent":20,"share_base":"charge_amount"}}`),
+	} {
+		t.Run(name, func(t *testing.T) {
+			if _, err := compilePolicy(ruleJSON); err == nil {
+				t.Fatal("charge_amount policy must reject host and agency allocations above 100 percent")
+			}
+		})
+	}
+}
+
+func TestCompilePolicyAllowsHostIncomeBonusAndParsesFlags(t *testing.T) {
+	ruleJSON := json.RawMessage(`{"host":{"point_ratio_percent":100,"use_gift_type_ratio":true},"agency":{"point_ratio_percent":20,"share_base":"host_income"}}`)
+	compiled, err := compilePolicy(ruleJSON)
+	if err != nil {
+		t.Fatalf("compile host_income policy failed: %v", err)
+	}
+	if compiled.HostPointRatioPPM != 1000000 || compiled.AgencyPointRatioPPM != 200000 {
+		t.Fatalf("host_income ratios mismatch: %+v", compiled)
+	}
+	if compiled.AgencyShareBase != agencyShareBaseHostIncome || !compiled.HostUseGiftTypeRatio {
+		t.Fatalf("host_income flags mismatch: %+v", compiled)
+	}
+	if string(compiled.RuleJSON) != string(ruleJSON) {
+		t.Fatalf("wallet owner snapshot must keep the complete source rule_json: got %s", compiled.RuleJSON)
+	}
+}
+
+func TestCompilePolicyRejectsNonBooleanGiftTypeRatioFlag(t *testing.T) {
+	_, err := compilePolicy(json.RawMessage(`{"host":{"point_ratio_percent":70,"use_gift_type_ratio":"true"}}`))
+	if err == nil {
+		t.Fatal("use_gift_type_ratio must reject non-boolean JSON values")
+	}
 }
 
 type fakePolicyActivityClient struct {
diff --git a/server/admin/migrations/088_fami_guild_revenue_policy.sql b/server/admin/migrations/088_fami_guild_revenue_policy.sql
index 8937fe65..72ae19a8 100644
--- a/server/admin/migrations/088_fami_guild_revenue_policy.sql
+++ b/server/admin/migrations/088_fami_guild_revenue_policy.sql
@@ -2,30 +2,50 @@ SET NAMES utf8mb4 COLLATE utf8mb4_unicode_ci;
 
 SET @now_ms = CAST(UNIX_TIMESTAMP(UTC_TIMESTAMP(3)) * 1000 AS UNSIGNED);
 
--- 收益策略模板是 Lalu/Huwaa/Fami 共用的产品配置入口。存量模板显式补 0，避免旧实例重发时产生新分成。
+-- 收益策略模板是 Lalu/Huwaa/Fami 共用的产品配置入口。默认文档放在 merge 左侧，既能创建 agency 对象，
+-- 又不会覆盖已存在的配置；旧实例重发仍保持 0 分成和 charge_amount 守恒口径。
 UPDATE admin_policy_templates
-SET rule_json = JSON_SET(rule_json, '$.agency.point_ratio_percent', 0),
+SET rule_json = JSON_MERGE_PATCH(
+      CAST('{"agency":{"point_ratio_percent":0,"share_base":"charge_amount"}}' AS JSON),
+      rule_json
+    ),
     updated_at_ms = @now_ms
 WHERE template_code = 'first_google70000_coin_seller_92000_100000_v1'
   AND template_version = 'v1'
-  AND JSON_EXTRACT(rule_json, '$.agency.point_ratio_percent') IS NULL;
+  AND (JSON_EXTRACT(rule_json, '$.agency.point_ratio_percent') IS NULL
+    OR JSON_EXTRACT(rule_json, '$.agency.share_base') IS NULL);
 
 UPDATE admin_policy_template_versions
-SET rule_json = JSON_SET(rule_json, '$.agency.point_ratio_percent', 0),
+SET rule_json = JSON_MERGE_PATCH(
+      CAST('{"agency":{"point_ratio_percent":0,"share_base":"charge_amount"}}' AS JSON),
+      rule_json
+    ),
     updated_at_ms = @now_ms
 WHERE template_code = 'first_google70000_coin_seller_92000_100000_v1'
   AND template_version = 'v1'
-  AND JSON_EXTRACT(rule_json, '$.agency.point_ratio_percent') IS NULL;
+  AND (JSON_EXTRACT(rule_json, '$.agency.point_ratio_percent') IS NULL
+    OR JSON_EXTRACT(rule_json, '$.agency.share_base') IS NULL);
 
--- Fami 从同一份公共政策结构派生独立模板，默认 20%；运营可在 Admin 编辑并发布，不需要改代码。
+-- Fami 的礼物类型先决定主播实际 POINT 收益，再由平台按该收益额外给 Agency owner 20%。内层 JSON_SET
+-- 先确保 host/agency 父对象存在，外层再写嵌套字段，避免 MySQL 对不存在父路径静默忽略，同时保留其他规则。
 INSERT INTO admin_policy_templates (
   template_code, template_version, name, status, rule_json, description,
   created_by_admin_id, updated_by_admin_id, created_at_ms, updated_at_ms
 )
 SELECT
   'fami_guild_revenue_policy', 'v1', 'Fami 公会收益政策', 'active',
-  JSON_SET(rule_json, '$.agency.point_ratio_percent', 20),
-  'Fami 主播与 Agency POINT 收益政策；Agency 默认 20%，以发布后的运行快照为准。',
+  JSON_SET(
+    JSON_SET(
+      rule_json,
+      '$.host', COALESCE(JSON_EXTRACT(rule_json, '$.host'), JSON_OBJECT()),
+      '$.agency', COALESCE(JSON_EXTRACT(rule_json, '$.agency'), JSON_OBJECT())
+    ),
+    '$.host.point_ratio_percent', 100,
+    '$.host.use_gift_type_ratio', JSON_EXTRACT('true', '$'),
+    '$.agency.point_ratio_percent', 20,
+    '$.agency.share_base', 'host_income'
+  ),
+  'Fami 主播 POINT 收益政策；Agency 按主播实际 POINT 收益由平台额外发放 20%，以发布后的运行快照为准。',
   0, 0, @now_ms, @now_ms
 FROM admin_policy_templates
 WHERE template_code = 'first_google70000_coin_seller_92000_100000_v1' AND template_version = 'v1'
diff --git a/server/admin/migrations/115_fami_agency_host_income_share.sql b/server/admin/migrations/115_fami_agency_host_income_share.sql
new file mode 100644
index 00000000..04931252
--- /dev/null
+++ b/server/admin/migrations/115_fami_agency_host_income_share.sql
@@ -0,0 +1,48 @@
+SET NAMES utf8mb4 COLLATE utf8mb4_unicode_ci;
+
+SET @now_ms = CAST(UNIX_TIMESTAMP(UTC_TIMESTAMP(3)) * 1000 AS UNSIGNED);
+
+-- 088 已执行的环境不会重放历史迁移；只覆盖 Fami v1 的四个确定业务字段，保留运营后续补充的提现、任务等规则。
+UPDATE admin_policy_templates
+SET rule_json = JSON_SET(
+      JSON_SET(
+        rule_json,
+        '$.host', COALESCE(JSON_EXTRACT(rule_json, '$.host'), JSON_OBJECT()),
+        '$.agency', COALESCE(JSON_EXTRACT(rule_json, '$.agency'), JSON_OBJECT())
+      ),
+      '$.host.point_ratio_percent', 100,
+      '$.host.use_gift_type_ratio', JSON_EXTRACT('true', '$'),
+      '$.agency.point_ratio_percent', 20,
+      '$.agency.share_base', 'host_income'
+    ),
+    description = 'Fami 主播 POINT 收益政策；Agency 按主播实际 POINT 收益由平台额外发放 20%，以发布后的运行快照为准。',
+    updated_at_ms = @now_ms
+WHERE template_code = 'fami_guild_revenue_policy'
+  AND template_version = 'v1';
+
+-- 版本表是发布读取源，必须与模板当前版本同时升级，避免列表展示和实际发布使用不同规则。
+UPDATE admin_policy_template_versions
+SET rule_json = JSON_SET(
+      JSON_SET(
+        rule_json,
+        '$.host', COALESCE(JSON_EXTRACT(rule_json, '$.host'), JSON_OBJECT()),
+        '$.agency', COALESCE(JSON_EXTRACT(rule_json, '$.agency'), JSON_OBJECT())
+      ),
+      '$.host.point_ratio_percent', 100,
+      '$.host.use_gift_type_ratio', JSON_EXTRACT('true', '$'),
+      '$.agency.point_ratio_percent', 20,
+      '$.agency.share_base', 'host_income'
+    ),
+    updated_at_ms = @now_ms
+WHERE template_code = 'fami_guild_revenue_policy'
+  AND template_version = 'v1';
+
+-- 模板版本被原地修正后，所有引用它的 Fami 实例都必须退回待发布状态；不能只处理默认 instance_code，
+-- 否则区域/备用实例会显示 published，却继续运行旧快照。wallet 运行侧仍只由显式发布流程写入。
+UPDATE admin_policy_instances
+SET publish_status = 'draft',
+    publish_error = '',
+    updated_at_ms = @now_ms
+WHERE app_code = 'fami'
+  AND template_code = 'fami_guild_revenue_policy'
+  AND template_version = 'v1';
diff --git a/services/lucky-gift-service/internal/domain/luckygift/lucky_gift.go b/services/lucky-gift-service/internal/domain/luckygift/lucky_gift.go
index 629403cb..656eb32f 100644
--- a/services/lucky-gift-service/internal/domain/luckygift/lucky_gift.go
+++ b/services/lucky-gift-service/internal/domain/luckygift/lucky_gift.go
@@ -213,7 +213,8 @@ type DrawCommand struct {
 	Recharge7DCoins   int64
 	Recharge30DCoins  int64
 	LastRechargedAtMS int64
-	// HostPeriodDiamondAdded 是 wallet 按后台礼物比例配置实际入账的主播钻石，资金拆分必须以该 owner 事实为准。
+	// HostPeriodDiamondAdded 是兼容字段名，实际承载 wallet 已落账的主播收益（POINT 或周期钻石）；
+	// Agency 额外收益不进入幸运礼物资金拆分，服务也不能自行重算主播比例。
 	HostPeriodDiamondAdded int64
 	// Sender* 是扣费时刻的公开展示快照；owner outbox 必须携带快照，避免下游为一条飘屏同步反查 user-service。
 	SenderName                string
diff --git a/services/room-service/internal/room/service/gift_lucky.go b/services/room-service/internal/room/service/gift_lucky.go
index 14f4de02..c817a9cf 100644
--- a/services/room-service/internal/room/service/gift_lucky.go
+++ b/services/room-service/internal/room/service/gift_lucky.go
@@ -129,12 +129,25 @@ func luckyGiftMetaForTarget(ctx context.Context, meta *roomv1.RequestMeta, cmd c
 		Recharge_7DCoins:  targetBilling.Billing.GetRechargeSevenDayCoins(),
 		Recharge_30DCoins: targetBilling.Billing.GetRechargeThirtyDayCoins(),
 		LastRechargedAtMs: targetBilling.Billing.GetLastRechargedAtMs(),
-		// LuckyGiftMeta.gift_income_coins 是滚动兼容保留的旧字段名。这里必须传 wallet 已按后台
-		// “主播钻石比例”实际入账的钻石，不能误传独立的“返还金币比例”结果，否则 0% 返币会阻断开奖。
-		GiftIncomeCoins: targetBilling.Billing.GetHostPeriodDiamondAdded(),
+		// LuckyGiftMeta.gift_income_coins 是滚动兼容保留的旧字段名。这里必须传 wallet 实际给主播
+		// 结算的收益：新 POINT 政策读 host_point_added，旧工资钻石链路读 host_period_diamond_added。
+		// Agency 额外 20% 不属于主播收益，绝不能混入幸运礼物公共池/平台利润的守恒拆分。
+		GiftIncomeCoins: walletHostGiftIncome(targetBilling.Billing),
 	}, nil
 }
 
+// walletHostGiftIncome 收敛 wallet 两代主播收益字段。两个字段在 wallet 事务里互斥；优先读 POINT
+// 让 Fami 收益政策参与幸运礼物资金拆分，回退周期钻石则保持 Lalu 与旧回执的滚动发布兼容。
+func walletHostGiftIncome(billing *walletv1.DebitGiftResponse) int64 {
+	if billing == nil {
+		return 0
+	}
+	if billing.GetHostPointAdded() > 0 {
+		return billing.GetHostPointAdded()
+	}
+	return billing.GetHostPeriodDiamondAdded()
+}
+
 func normalizeLuckyGiftStrategyVersion(value string) string {
 	value = strings.ToLower(strings.TrimSpace(value))
 	if value == "" {
diff --git a/services/room-service/internal/room/service/lucky_gift_test.go b/services/room-service/internal/room/service/lucky_gift_test.go
index 1f5d4283..266066e4 100644
--- a/services/room-service/internal/room/service/lucky_gift_test.go
+++ b/services/room-service/internal/room/service/lucky_gift_test.go
@@ -127,13 +127,15 @@ func TestSendGiftReturnsLuckyGiftDrawResult(t *testing.T) {
 			GiftPointAdded:   100,
 			HeatValue:        100,
 			GiftTypeCode:     "super_lucky",
+			HostPointAdded:   7,
 		},
 		{
-			BillingReceiptId: "receipt-lucky-legacy-token",
-			CoinSpent:        100,
-			GiftPointAdded:   100,
-			HeatValue:        100,
-			GiftTypeCode:     "super_lucky",
+			BillingReceiptId:       "receipt-lucky-legacy-token",
+			CoinSpent:              100,
+			GiftPointAdded:         100,
+			HeatValue:              100,
+			GiftTypeCode:           "super_lucky",
+			HostPeriodDiamondAdded: 1,
 		},
 	}}
 	luckyGift := &luckyGiftTestClient{}
@@ -194,6 +196,7 @@ func TestSendGiftReturnsLuckyGiftDrawResult(t *testing.T) {
 		drawMeta.GetCoinSpent() != 100 ||
 		drawMeta.GetDeviceId() != "device-auth-session-1" ||
 		drawMeta.GetAnchorId() != "101" ||
+		drawMeta.GetGiftIncomeCoins() != 7 ||
 		drawMeta.GetVisibleRegionId() != 9001 ||
 		drawMeta.GetSenderName() != "lucky sender" ||
 		drawMeta.GetSenderAvatar() != "https://cdn.example.com/sender.png" ||
@@ -218,6 +221,9 @@ func TestSendGiftReturnsLuckyGiftDrawResult(t *testing.T) {
 	if legacyDraw.GetDeviceId() != "" {
 		t.Fatalf("legacy-token lucky device_id=%q, want empty instead of session/command fallback", legacyDraw.GetDeviceId())
 	}
+	if legacyDraw.GetGiftIncomeCoins() != 1 {
+		t.Fatalf("legacy host-period income must remain the lucky fund split owner fact: %+v", legacyDraw)
+	}
 
 	luckyGift.checkStrategy = "dynamic_v3"
 	debitsBeforeDynamicReject := len(wallet.debitRequests)
diff --git a/services/wallet-service/deploy/mysql/initdb/001_wallet_service.sql b/services/wallet-service/deploy/mysql/initdb/001_wallet_service.sql
index 09a79f3c..96c6bcd7 100644
--- a/services/wallet-service/deploy/mysql/initdb/001_wallet_service.sql
+++ b/services/wallet-service/deploy/mysql/initdb/001_wallet_service.sql
@@ -181,7 +181,7 @@ CREATE TABLE IF NOT EXISTS wallet_policy_instances (
   effective_to_ms BIGINT NOT NULL DEFAULT 0 COMMENT '0 表示长期有效',
   host_point_asset_type VARCHAR(32) NOT NULL DEFAULT 'POINT' COMMENT '主播收益积分资产',
   host_point_ratio_ppm BIGINT NOT NULL DEFAULT 700000 COMMENT '有效付费礼物转 POINT 比例，ppm',
-  agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT '有效付费礼物给 Agency owner 的 POINT 分成比例，ppm',
+  agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT 'Agency POINT 分成比例，计算基数由 rule_json agency.share_base 决定，ppm',
   points_per_usd BIGINT NOT NULL DEFAULT 100000 COMMENT 'POINT/USD 展示换算比例',
   withdraw_fee_bps INT NOT NULL DEFAULT 500 COMMENT '提现手续费 bps',
   rule_json JSON NOT NULL COMMENT '完整政策快照',
@@ -220,7 +220,9 @@ CREATE TABLE IF NOT EXISTS agency_point_share_entries (
   sender_user_id BIGINT NOT NULL COMMENT '送礼用户 ID',
   room_id VARCHAR(96) NOT NULL DEFAULT '' COMMENT '房间 ID，私聊送礼为空',
   point_delta BIGINT NOT NULL COMMENT 'Agency owner 本次 POINT 分成',
-  ratio_ppm BIGINT NOT NULL COMMENT 'Agency 分成比例快照',
+  ratio_ppm BIGINT NOT NULL COMMENT 'Agency 分成比例快照，计算基数见 share_base_type',
+  share_base_type VARCHAR(32) NOT NULL DEFAULT 'unknown' COMMENT '分成基数：unknown/charge_amount/host_income；unknown 表示旧写入方未提供快照',
+  share_base_amount BIGINT NOT NULL DEFAULT 0 COMMENT '本次分成计算基数；share_base_type=unknown 时不可解释为真实 0',
   policy_instance_code VARCHAR(96) NOT NULL DEFAULT '' COMMENT '收益策略实例快照',
   created_at_ms BIGINT NOT NULL COMMENT '创建时间，UTC epoch ms',
   PRIMARY KEY (app_code, transaction_id, agency_owner_user_id),
diff --git a/services/wallet-service/deploy/mysql/migrations/010_fami_agency_host_income_share.sql b/services/wallet-service/deploy/mysql/migrations/010_fami_agency_host_income_share.sql
new file mode 100644
index 00000000..96fcfda4
--- /dev/null
+++ b/services/wallet-service/deploy/mysql/migrations/010_fami_agency_host_income_share.sql
@@ -0,0 +1,33 @@
+SET NAMES utf8mb4 COLLATE utf8mb4_unicode_ci;
+SET time_zone = '+00:00';
+
+USE hyapp_wallet;
+
+-- Agency 分成表通常远小于 wallet_entries，但仍属于不可重建的账务审计事实。先补兼容列，再发布
+-- 新二进制；滚动期旧写入方没有公式基数，必须标记 unknown，不能伪装成 charge_amount=0。
+SET @ddl := IF(
+  (SELECT COUNT(*) FROM information_schema.COLUMNS
+   WHERE TABLE_SCHEMA = DATABASE() AND TABLE_NAME = 'agency_point_share_entries'
+     AND COLUMN_NAME = 'share_base_type') = 0,
+  'ALTER TABLE agency_point_share_entries ADD COLUMN share_base_type VARCHAR(32) NOT NULL DEFAULT ''unknown'' COMMENT ''分成基数：unknown/charge_amount/host_income'' AFTER ratio_ppm, ALGORITHM=INPLACE, LOCK=NONE',
+  'SELECT 1'
+);
+PREPARE stmt FROM @ddl;
+EXECUTE stmt;
+DEALLOCATE PREPARE stmt;
+
+SET @ddl := IF(
+  (SELECT COUNT(*) FROM information_schema.COLUMNS
+   WHERE TABLE_SCHEMA = DATABASE() AND TABLE_NAME = 'agency_point_share_entries'
+     AND COLUMN_NAME = 'share_base_amount') = 0,
+  'ALTER TABLE agency_point_share_entries ADD COLUMN share_base_amount BIGINT NOT NULL DEFAULT 0 COMMENT ''本次分成计算基数；share_base_type=unknown 时数值不可解释'' AFTER share_base_type, ALGORITHM=INPLACE, LOCK=NONE',
+  'SELECT 1'
+);
+PREPARE stmt FROM @ddl;
+EXECUTE stmt;
+DEALLOCATE PREPARE stmt;
+
+-- 不在 DDL migration 中改 active wallet_policy_instances。旧二进制不理解 gift-type ratio 和
+-- host_income，若先改运行快照会在滚动窗口把 lucky/super-lucky 错发成 100%/20%，self-owner 还会
+-- 因重复余额事件回滚。Admin 115 把 Fami 实例置 draft；新 wallet 全部就绪后由显式 PublishInstance
+-- 原子重建运行快照，保持 Admin 控制面状态与 wallet 实际策略一致。
diff --git a/services/wallet-service/internal/service/wallet/service_test.go b/services/wallet-service/internal/service/wallet/service_test.go
index d0405dda..8854630f 100644
--- a/services/wallet-service/internal/service/wallet/service_test.go
+++ b/services/wallet-service/internal/service/wallet/service_test.go
@@ -171,40 +171,340 @@ func TestHuwaaHostGiftPolicyCreditsPointWithoutCoinIncomeAndAllowsSelfGift(t *te
 
 func TestFamiHostGiftPolicyCreditsAgencyShareWithHistoricalOwnershipSnapshot(t *testing.T) {
 	repository := mysqltest.NewRepository(t)
-	repository.SetBalanceForApp("fami", 32001, 1000)
-	repository.SetGiftPriceForApp("fami", "fami-rose", "v1", 100, 0, 100)
-	repository.SeedWalletPolicyInstanceWithAgency("fami", "fami-guild-live", 0, "active", 700000, 200000)
+	// Fami 公会收益先按礼物类型计算主播实收，再额外给 Agency owner 主播实收的 20%；
+	// 该公式允许一次礼物产生 100% 主播收益和额外 20% 公会收益，不能套用旧的总资金池切分语义。
+	repository.SeedWalletGiftRevenuePolicy("fami", "fami-guild-live", 0, "active", 1_000_000, 200_000, true, "host_income")
+	svc := walletservice.New(repository)
+
+	tests := []struct {
+		name       string
+		giftType   string
+		giftID     string
+		commandID  string
+		senderID   int64
+		hostID     int64
+		agencyID   int64
+		wantHost   int64
+		wantAgency int64
+		wantRatio  string
+		wantPPM    int64
+	}{
+		{name: "normal", giftType: resourcedomain.GiftTypeNormal, giftID: "fami-normal-rose", commandID: "cmd-fami-agency-normal", senderID: 32001, hostID: 32002, agencyID: 32003, wantHost: 10_000, wantAgency: 2_000, wantRatio: "100.00", wantPPM: 1_000_000},
+		{name: "lucky", giftType: resourcedomain.GiftTypeLucky, giftID: "fami-lucky-rose", commandID: "cmd-fami-agency-lucky", senderID: 32011, hostID: 32012, agencyID: 32013, wantHost: 1_000, wantAgency: 200, wantRatio: "10.00", wantPPM: 100_000},
+		{name: "super_lucky", giftType: resourcedomain.GiftTypeSuperLucky, giftID: "fami-super-lucky-rose", commandID: "cmd-fami-agency-super-lucky", senderID: 32021, hostID: 32022, agencyID: 32023, wantHost: 100, wantAgency: 20, wantRatio: "1.00", wantPPM: 10_000},
+	}
+	for _, test := range tests {
+		t.Run(test.name, func(t *testing.T) {
+			repository.SetBalanceForApp("fami", test.senderID, 10_000)
+			repository.SetGiftPriceForApp("fami", test.giftID, "v1", 10_000, 0, 10_000)
+			repository.SetGiftType(test.giftID, test.giftType)
+			// 区域值刻意与全局 fallback 区分，验证 POINT 政策把真正命中的第一阶段倍率来源一并冻结。
+			repository.SetGiftDiamondRatioForApp("fami", 12, test.giftType, test.wantRatio)
+			command := ledger.DebitGiftCommand{
+				AppCode: "fami", CommandID: test.commandID, RoomID: "room-fami",
+				SenderUserID: test.senderID, TargetUserID: test.hostID, TargetIsHost: true, TargetHostRegionID: 12,
+				TargetAgencyOwnerUserID: test.agencyID, GiftID: test.giftID, GiftCount: 1, PriceVersion: "v1", RegionID: 12, SenderRegionID: 12,
+			}
+
+			receipt, err := svc.DebitGift(context.Background(), command)
+			if err != nil {
+				t.Fatalf("DebitGift with Fami %s agency policy failed: %v", test.giftType, err)
+			}
+			if receipt.CoinSpent != 10_000 || receipt.HostPointAdded != test.wantHost || receipt.HostPointBalanceAfter != test.wantHost ||
+				receipt.HostPointAssetType != ledger.AssetPoint || receipt.HostPointPolicyInstanceCode != "fami-guild-live" {
+				t.Fatalf("Fami %s host point receipt mismatch: %+v", test.giftType, receipt)
+			}
+			assertBalanceForApp(t, svc, "fami", test.hostID, ledger.AssetPoint, test.wantHost)
+			assertBalanceForApp(t, svc, "fami", test.agencyID, ledger.AssetPoint, test.wantAgency)
+
+			// 流水必须冻结送礼时的主播与 owner 归属、公式名称和实际主播收入；以后成员转会不能反推改写历史收益。
+			shareWhere := "transaction_id = ? AND host_user_id = ? AND agency_owner_user_id = ? AND point_delta = ? AND ratio_ppm = ? AND share_base_type = ? AND share_base_amount = ?"
+			shareArgs := []any{receipt.TransactionID, test.hostID, test.agencyID, test.wantAgency, int64(200_000), "host_income", test.wantHost}
+			if got := repository.CountRows("agency_point_share_entries", shareWhere, shareArgs...); got != 1 {
+				t.Fatalf("Fami %s agency ownership/formula snapshot mismatch, got %d", test.giftType, got)
+			}
+			// POINT 政策也必须冻结第一阶段礼物倍率；只记录最终 host_income 无法解释未来配置变更前的计算过程。
+			if got := repository.CountRows("wallet_transactions", "transaction_id = ? AND JSON_UNQUOTE(JSON_EXTRACT(metadata_json, '$.gift_diamond_ratio_percent')) = ? AND CAST(JSON_UNQUOTE(JSON_EXTRACT(metadata_json, '$.gift_diamond_ratio_ppm')) AS SIGNED) = ? AND CAST(JSON_UNQUOTE(JSON_EXTRACT(metadata_json, '$.gift_diamond_ratio_region_id')) AS SIGNED) = 12", receipt.TransactionID, test.wantRatio, test.wantPPM); got != 1 {
+				t.Fatalf("Fami %s gift-type ratio transaction snapshot mismatch, got %d", test.giftType, got)
+			}
+			if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ?", receipt.TransactionID, "HostPointCredited"); got != 1 {
+				t.Fatalf("Fami %s host credit must publish one role fact, got %d", test.giftType, got)
+			}
+			if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ? AND JSON_UNQUOTE(JSON_EXTRACT(payload, '$.gift_diamond_ratio_percent')) = ? AND CAST(JSON_UNQUOTE(JSON_EXTRACT(payload, '$.gift_diamond_ratio_ppm')) AS SIGNED) = ?", receipt.TransactionID, "HostPointCredited", test.wantRatio, test.wantPPM); got != 1 {
+				t.Fatalf("Fami %s gift-type ratio role fact mismatch, got %d", test.giftType, got)
+			}
+			if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ?", receipt.TransactionID, "AgencyPointCredited"); got != 1 {
+				t.Fatalf("Fami %s agency share must publish one role fact, got %d", test.giftType, got)
+			}
+
+			// 同一命令重放只读首次交易快照，不重新计算礼物类型比例，也不重复写 owner 收益与角色事实。
+			replayed, err := svc.DebitGift(context.Background(), command)
+			if err != nil || replayed.TransactionID != receipt.TransactionID || replayed.HostPointAdded != receipt.HostPointAdded {
+				t.Fatalf("Fami %s agency share replay mismatch: receipt=%+v err=%v", test.giftType, replayed, err)
+			}
+			assertBalanceForApp(t, svc, "fami", test.hostID, ledger.AssetPoint, test.wantHost)
+			assertBalanceForApp(t, svc, "fami", test.agencyID, ledger.AssetPoint, test.wantAgency)
+			if got := repository.CountRows("agency_point_share_entries", shareWhere, shareArgs...); got != 1 {
+				t.Fatalf("Fami %s replay duplicated or changed owner snapshot, got %d", test.giftType, got)
+			}
+			if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type IN (?, ?)", receipt.TransactionID, "HostPointCredited", "AgencyPointCredited"); got != 2 {
+				t.Fatalf("Fami %s replay duplicated role facts, got %d", test.giftType, got)
+			}
+		})
+	}
+}
+
+// TestFamiAgencyOwnerSelfGiftMergesPointBalanceFact 验证公会长本人收礼时仍保留主播和 Agency 两套账务角色，
+// 但同一 POINT 账户只能发布一条合并后的余额事实，避免下游按两条 balance event 覆盖最终余额。
+func TestFamiAgencyOwnerSelfGiftMergesPointBalanceFact(t *testing.T) {
+	repository := mysqltest.NewRepository(t)
+	repository.SetBalanceForApp("fami", 33001, 10_000)
+	repository.SetGiftPriceForApp("fami", "fami-owner-self-normal", "v1", 10_000, 0, 10_000)
+	repository.SetGiftType("fami-owner-self-normal", resourcedomain.GiftTypeNormal)
+	repository.SeedWalletGiftRevenuePolicy("fami", "fami-guild-live", 0, "active", 1_000_000, 200_000, true, "host_income")
+	svc := walletservice.New(repository)
+	command := ledger.DebitGiftCommand{
+		AppCode: "fami", CommandID: "cmd-fami-owner-self-direct", DirectGift: true,
+		SenderUserID: 33001, TargetUserID: 33002, TargetIsHost: true, TargetHostRegionID: 12, TargetAgencyOwnerUserID: 33002,
+		GiftID: "fami-owner-self-normal", GiftCount: 1, PriceVersion: "v1", RegionID: 12, SenderRegionID: 12,
+	}
+
+	receipt, err := svc.DebitGift(context.Background(), command)
+	if err != nil {
+		t.Fatalf("DebitGift with self-owned Fami agency failed: %v", err)
+	}
+	if receipt.CoinSpent != 10_000 || receipt.HostPointAdded != 10_000 || receipt.HostPointBalanceAfter != 12_000 {
+		t.Fatalf("self-owned Fami receipt mismatch: %+v", receipt)
+	}
+	assertBalanceForApp(t, svc, "fami", 33002, ledger.AssetPoint, 12_000)
+	if got := repository.CountRows("wallet_transactions", "transaction_id = ? AND biz_type = ? AND status = ?", receipt.TransactionID, "direct_gift_debit", "succeeded"); got != 1 {
+		t.Fatalf("self-owned direct gift transaction must succeed exactly once, got %d", got)
+	}
+
+	// 主播 10000 与 Agency 2000 是两条可审计分录；账户级余额事实则聚合成 12000，只允许一条。
+	if got := repository.CountRows("wallet_entries", "transaction_id = ? AND user_id = ? AND asset_type = ?", receipt.TransactionID, int64(33002), ledger.AssetPoint); got != 2 {
+		t.Fatalf("self-owned gift must preserve two role ledger entries, got %d", got)
+	}
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ? AND user_id = ? AND asset_type = ?", receipt.TransactionID, "WalletBalanceChanged", int64(33002), ledger.AssetPoint); got != 1 {
+		t.Fatalf("self-owned POINT account must publish one merged balance fact, got %d", got)
+	}
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ? AND user_id = ? AND asset_type = ? AND available_delta = ?", receipt.TransactionID, "WalletBalanceChanged", int64(33002), ledger.AssetPoint, int64(12_000)); got != 1 {
+		t.Fatalf("self-owned POINT balance fact must carry merged +12000 delta, got %d", got)
+	}
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ?", receipt.TransactionID, "HostPointCredited"); got != 1 {
+		t.Fatalf("self-owned gift must retain one HostPointCredited role fact, got %d", got)
+	}
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ?", receipt.TransactionID, "AgencyPointCredited"); got != 1 {
+		t.Fatalf("self-owned gift must retain one AgencyPointCredited role fact, got %d", got)
+	}
+	shareWhere := "transaction_id = ? AND host_user_id = ? AND agency_owner_user_id = ? AND point_delta = ? AND ratio_ppm = ? AND share_base_type = ? AND share_base_amount = ?"
+	shareArgs := []any{receipt.TransactionID, int64(33002), int64(33002), int64(2_000), int64(200_000), "host_income", int64(10_000)}
+	if got := repository.CountRows("agency_point_share_entries", shareWhere, shareArgs...); got != 1 {
+		t.Fatalf("self-owned agency share snapshot mismatch, got %d", got)
+	}
+
+	replayed, err := svc.DebitGift(context.Background(), command)
+	if err != nil || replayed.TransactionID != receipt.TransactionID || replayed.HostPointBalanceAfter != 12_000 {
+		t.Fatalf("self-owned Fami gift replay mismatch: receipt=%+v err=%v", replayed, err)
+	}
+	assertBalanceForApp(t, svc, "fami", 33002, ledger.AssetPoint, 12_000)
+	if got := repository.CountRows("wallet_entries", "transaction_id = ? AND user_id = ? AND asset_type = ?", receipt.TransactionID, int64(33002), ledger.AssetPoint); got != 2 {
+		t.Fatalf("self-owned replay duplicated role entries, got %d", got)
+	}
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ? AND user_id = ? AND asset_type = ?", receipt.TransactionID, "WalletBalanceChanged", int64(33002), ledger.AssetPoint); got != 1 {
+		t.Fatalf("self-owned replay duplicated merged balance fact, got %d", got)
+	}
+	if got := repository.CountRows("agency_point_share_entries", shareWhere, shareArgs...); got != 1 {
+		t.Fatalf("self-owned replay duplicated share row, got %d", got)
+	}
+}
+
+// TestFamiBatchGiftKeepsIndependentAgencyRoleFacts 验证批量事务按 target 独立固化主播/Agency 角色：
+// 一个 target 是 owner 本人，另一个是旗下主播，两者共享 owner 账户也不能互相覆盖或重复投递。
+func TestFamiBatchGiftKeepsIndependentAgencyRoleFacts(t *testing.T) {
+	repository := mysqltest.NewRepository(t)
+	repository.SetBalanceForApp("fami", 34001, 20_000)
+	repository.SetGiftPriceForApp("fami", "fami-batch-normal", "v1", 10_000, 0, 10_000)
+	repository.SetGiftType("fami-batch-normal", resourcedomain.GiftTypeNormal)
+	repository.SeedWalletGiftRevenuePolicy("fami", "fami-guild-live", 0, "active", 1_000_000, 200_000, true, "host_income")
+	svc := walletservice.New(repository)
+	command := ledger.BatchDebitGiftCommand{
+		AppCode: "fami", CommandID: "cmd-fami-agency-batch", RoomID: "room-fami-batch",
+		SenderUserID: 34001, GiftID: "fami-batch-normal", GiftCount: 1, PriceVersion: "v1", RegionID: 12, SenderRegionID: 12,
+		Targets: []ledger.DebitGiftTargetCommand{
+			{CommandID: "cmd-fami-agency-batch:target:34002", TargetUserID: 34002, TargetIsHost: true, TargetHostRegionID: 12, TargetAgencyOwnerUserID: 34002},
+			{CommandID: "cmd-fami-agency-batch:target:34003", TargetUserID: 34003, TargetIsHost: true, TargetHostRegionID: 12, TargetAgencyOwnerUserID: 34002},
+		},
+	}
+
+	receipt, err := svc.BatchDebitGift(context.Background(), command)
+	if err != nil {
+		t.Fatalf("BatchDebitGift with mixed Fami agency targets failed: %v", err)
+	}
+	if len(receipt.Targets) != 2 || receipt.Aggregate.CoinSpent != 20_000 || receipt.Aggregate.HostPointAdded != 20_000 {
+		t.Fatalf("mixed Fami agency batch aggregate mismatch: %+v", receipt)
+	}
+	assertBalanceForApp(t, svc, "fami", 34001, ledger.AssetCoin, 0)
+	assertBalanceForApp(t, svc, "fami", 34002, ledger.AssetPoint, 14_000)
+	assertBalanceForApp(t, svc, "fami", 34003, ledger.AssetPoint, 10_000)
+
+	receiptsByTarget := make(map[int64]ledger.Receipt, len(receipt.Targets))
+	for _, target := range receipt.Targets {
+		receiptsByTarget[target.TargetUserID] = target.Receipt
+	}
+	selfReceipt, selfOK := receiptsByTarget[34002]
+	memberReceipt, memberOK := receiptsByTarget[34003]
+	if !selfOK || !memberOK || selfReceipt.TransactionID == "" || memberReceipt.TransactionID == "" {
+		t.Fatalf("batch must return one stable receipt per target: %+v", receipt.Targets)
+	}
+	if selfReceipt.HostPointBalanceAfter != 12_000 {
+		t.Fatalf("batch self-owner receipt must expose final shared POINT balance: %+v", selfReceipt)
+	}
+	for _, targetReceipt := range []struct {
+		name    string
+		hostID  int64
+		receipt ledger.Receipt
+	}{
+		{name: "self_owner", hostID: 34002, receipt: selfReceipt},
+		{name: "member", hostID: 34003, receipt: memberReceipt},
+	} {
+		if targetReceipt.receipt.HostPointAdded != 10_000 {
+			t.Fatalf("%s target host credit mismatch: %+v", targetReceipt.name, targetReceipt.receipt)
+		}
+		if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ?", targetReceipt.receipt.TransactionID, "HostPointCredited"); got != 1 {
+			t.Fatalf("%s target must publish one host role fact, got %d", targetReceipt.name, got)
+		}
+		if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ?", targetReceipt.receipt.TransactionID, "AgencyPointCredited"); got != 1 {
+			t.Fatalf("%s target must publish one agency role fact, got %d", targetReceipt.name, got)
+		}
+		if got := repository.CountRows("agency_point_share_entries", "transaction_id = ? AND host_user_id = ? AND agency_owner_user_id = ? AND point_delta = ? AND share_base_type = ? AND share_base_amount = ?", targetReceipt.receipt.TransactionID, targetReceipt.hostID, int64(34002), int64(2_000), "host_income", int64(10_000)); got != 1 {
+			t.Fatalf("%s target agency snapshot mismatch, got %d", targetReceipt.name, got)
+		}
+	}
+
+	// Self target 的两种角色落在同一账户，只能产生 +12000 一条余额事实；成员 target 则分别通知成员与 owner。
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ? AND asset_type = ?", selfReceipt.TransactionID, "WalletBalanceChanged", ledger.AssetPoint); got != 1 {
+		t.Fatalf("batch self target must publish one merged POINT balance fact, got %d", got)
+	}
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ? AND user_id = ? AND asset_type = ? AND available_delta = ?", selfReceipt.TransactionID, "WalletBalanceChanged", int64(34002), ledger.AssetPoint, int64(12_000)); got != 1 {
+		t.Fatalf("batch self target merged POINT delta mismatch, got %d", got)
+	}
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ? AND asset_type = ?", memberReceipt.TransactionID, "WalletBalanceChanged", ledger.AssetPoint); got != 2 {
+		t.Fatalf("batch member target must publish separate host/owner balance facts, got %d", got)
+	}
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ? AND user_id = ? AND asset_type = ? AND available_delta = ?", memberReceipt.TransactionID, "WalletBalanceChanged", int64(34003), ledger.AssetPoint, int64(10_000)); got != 1 {
+		t.Fatalf("batch member host POINT balance fact mismatch, got %d", got)
+	}
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ? AND user_id = ? AND asset_type = ? AND available_delta = ?", memberReceipt.TransactionID, "WalletBalanceChanged", int64(34002), ledger.AssetPoint, int64(2_000)); got != 1 {
+		t.Fatalf("batch member agency POINT balance fact mismatch, got %d", got)
+	}
+
+	// 批量重放按两个 child command 的原交易返回，不重复扣 sender、不重复增加共享 owner，也不重发任一 target 的角色事实。
+	replayed, err := svc.BatchDebitGift(context.Background(), command)
+	if err != nil {
+		t.Fatalf("mixed Fami agency batch replay failed: %v", err)
+	}
+	if len(replayed.Targets) != 2 || replayed.Targets[0].Receipt.TransactionID != receipt.Targets[0].Receipt.TransactionID || replayed.Targets[1].Receipt.TransactionID != receipt.Targets[1].Receipt.TransactionID || replayed.Targets[0].Receipt.HostPointBalanceAfter != 12_000 {
+		t.Fatalf("mixed Fami agency batch replay transaction mismatch: first=%+v replay=%+v", receipt.Targets, replayed.Targets)
+	}
+	assertBalanceForApp(t, svc, "fami", 34001, ledger.AssetCoin, 0)
+	assertBalanceForApp(t, svc, "fami", 34002, ledger.AssetPoint, 14_000)
+	assertBalanceForApp(t, svc, "fami", 34003, ledger.AssetPoint, 10_000)
+	if got := repository.CountRows("wallet_transactions", "command_id IN (?, ?)", command.Targets[0].CommandID, command.Targets[1].CommandID); got != 2 {
+		t.Fatalf("mixed Fami agency batch replay duplicated child transactions, got %d", got)
+	}
+	if got := repository.CountRows("agency_point_share_entries", "transaction_id IN (?, ?)", selfReceipt.TransactionID, memberReceipt.TransactionID); got != 2 {
+		t.Fatalf("mixed Fami agency batch replay duplicated share rows, got %d", got)
+	}
+	for _, transactionID := range []string{selfReceipt.TransactionID, memberReceipt.TransactionID} {
+		if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type IN (?, ?)", transactionID, "HostPointCredited", "AgencyPointCredited"); got != 2 {
+			t.Fatalf("mixed Fami agency batch replay duplicated role facts for transaction %s: got %d", transactionID, got)
+		}
+	}
+}
+
+// TestBatchGiftCreditsAgencyWhenHostAmountRoundsToZero 固化旧 charge_amount 策略的极小额边界：
+// host 与 Agency 各自向下取整，Agency 为正数时必须独立锁账户，不能依赖 host 也大于 0。
+func TestBatchGiftCreditsAgencyWhenHostAmountRoundsToZero(t *testing.T) {
+	repository := mysqltest.NewRepository(t)
+	repository.SetBalanceForApp("fami", 35001, 2)
+	repository.SetGiftPriceForApp("fami", "fami-batch-agency-rounding", "v1", 2, 0, 2)
+	repository.SeedWalletGiftRevenuePolicy("fami", "fami-legacy-rounding", 0, "active", 1, 999_999, false, "charge_amount")
+	svc := walletservice.New(repository)
+	command := ledger.BatchDebitGiftCommand{
+		AppCode: "fami", CommandID: "cmd-fami-batch-agency-rounding", RoomID: "room-fami-rounding",
+		SenderUserID: 35001, GiftID: "fami-batch-agency-rounding", GiftCount: 1, PriceVersion: "v1", RegionID: 12, SenderRegionID: 12,
+		Targets: []ledger.DebitGiftTargetCommand{{
+			CommandID: "cmd-fami-batch-agency-rounding:target:35002", TargetUserID: 35002,
+			TargetIsHost: true, TargetHostRegionID: 12, TargetAgencyOwnerUserID: 35003,
+		}},
+	}
+
+	receipt, err := svc.BatchDebitGift(context.Background(), command)
+	if err != nil {
+		t.Fatalf("BatchDebitGift agency-only rounding failed: %v", err)
+	}
+	if len(receipt.Targets) != 1 || receipt.Targets[0].Receipt.HostPointAdded != 0 {
+		t.Fatalf("agency-only rounding receipt mismatch: %+v", receipt)
+	}
+	assertBalanceForApp(t, svc, "fami", 35002, ledger.AssetPoint, 0)
+	assertBalanceForApp(t, svc, "fami", 35003, ledger.AssetPoint, 1)
+	transactionID := receipt.Targets[0].Receipt.TransactionID
+	if got := repository.CountRows("agency_point_share_entries", "transaction_id = ? AND point_delta = ? AND share_base_type = ? AND share_base_amount = ?", transactionID, int64(1), "charge_amount", int64(2)); got != 1 {
+		t.Fatalf("agency-only rounding audit snapshot mismatch, got %d", got)
+	}
+	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ? AND user_id = ? AND available_delta = ?", transactionID, "AgencyPointCredited", int64(35003), int64(1)); got != 1 {
+		t.Fatalf("agency-only rounding role fact mismatch, got %d", got)
+	}
+}
+
+// TestGiftRevenuePolicyIsReusableAcrossApps 证明收益模块不依赖 Fami 分支：
+// 任意 App 只要发布同一策略和区域礼物倍率，Direct/Batch 都应复用同一结算实现。
+func TestGiftRevenuePolicyIsReusableAcrossApps(t *testing.T) {
+	const appCode = "next-app"
+	repository := mysqltest.NewRepository(t)
+	repository.SetBalanceForApp(appCode, 36001, 10_000)
+	repository.SetGiftPriceForApp(appCode, "next-app-lucky", "v1", 10_000, 0, 10_000)
+	repository.SetGiftType("next-app-lucky", resourcedomain.GiftTypeLucky)
+	repository.SetGiftDiamondRatioForApp(appCode, 12, resourcedomain.GiftTypeLucky, "25.00")
+	repository.SeedWalletGiftRevenuePolicy(appCode, "shared-agency-host-income", 12, "active", 1_000_000, 200_000, true, "host_income")
 	svc := walletservice.New(repository)
 
 	receipt, err := svc.DebitGift(context.Background(), ledger.DebitGiftCommand{
-		AppCode: "fami", CommandID: "cmd-fami-agency-share", RoomID: "room-fami",
-		SenderUserID: 32001, TargetUserID: 32002, TargetIsHost: true, TargetHostRegionID: 12,
-		TargetAgencyOwnerUserID: 32003, GiftID: "fami-rose", GiftCount: 1, PriceVersion: "v1", RegionID: 12, SenderRegionID: 12,
+		AppCode: appCode, CommandID: "cmd-next-app-agency-lucky", RoomID: "room-next-app",
+		SenderUserID: 36001, TargetUserID: 36002, TargetIsHost: true,
+		TargetHostRegionID: 12, TargetAgencyOwnerUserID: 36003,
+		GiftID: "next-app-lucky", GiftCount: 1, PriceVersion: "v1", RegionID: 12, SenderRegionID: 12,
 	})
 	if err != nil {
-		t.Fatalf("DebitGift with Fami agency policy failed: %v", err)
+		t.Fatalf("cross-app gift revenue policy failed: %v", err)
 	}
-	if receipt.HostPointAdded != 70 || receipt.HostPointBalanceAfter != 70 {
-		t.Fatalf("Fami host point receipt mismatch: %+v", receipt)
+	if receipt.HostPointAdded != 2_500 || receipt.HostPointBalanceAfter != 2_500 || receipt.HostPointPolicyInstanceCode != "shared-agency-host-income" {
+		t.Fatalf("cross-app host revenue mismatch: %+v", receipt)
 	}
-	assertBalanceForApp(t, svc, "fami", 32002, ledger.AssetPoint, 70)
-	assertBalanceForApp(t, svc, "fami", 32003, ledger.AssetPoint, 20)
-	if got := repository.CountRows("agency_point_share_entries", "transaction_id = ? AND host_user_id = ? AND agency_owner_user_id = ? AND point_delta = ? AND ratio_ppm = ?", receipt.TransactionID, int64(32002), int64(32003), int64(20), int64(200000)); got != 1 {
-		t.Fatalf("Fami agency share snapshot mismatch, got %d", got)
-	}
-	if got := repository.CountRows("wallet_outbox", "transaction_id = ? AND event_type = ?", receipt.TransactionID, "AgencyPointCredited"); got != 1 {
-		t.Fatalf("Fami agency share must publish one event, got %d", got)
+	assertBalanceForApp(t, svc, appCode, 36002, ledger.AssetPoint, 2_500)
+	assertBalanceForApp(t, svc, appCode, 36003, ledger.AssetPoint, 500)
+	if got := repository.CountRows("wallet_transactions", "app_code = ? AND transaction_id = ? AND CAST(JSON_UNQUOTE(JSON_EXTRACT(metadata_json, '$.gift_diamond_ratio_region_id')) AS SIGNED) = 12 AND CAST(JSON_UNQUOTE(JSON_EXTRACT(metadata_json, '$.gift_diamond_ratio_ppm')) AS SIGNED) = 250000", appCode, receipt.TransactionID); got != 1 {
+		t.Fatalf("cross-app effective-region ratio snapshot mismatch, got %d", got)
 	}
 
-	replayed, err := svc.DebitGift(context.Background(), ledger.DebitGiftCommand{
-		AppCode: "fami", CommandID: "cmd-fami-agency-share", RoomID: "room-fami",
-		SenderUserID: 32001, TargetUserID: 32002, TargetIsHost: true, TargetHostRegionID: 12,
-		TargetAgencyOwnerUserID: 32003, GiftID: "fami-rose", GiftCount: 1, PriceVersion: "v1", RegionID: 12, SenderRegionID: 12,
+	repository.SetBalanceForApp(appCode, 36011, 10_000)
+	batch, err := svc.BatchDebitGift(context.Background(), ledger.BatchDebitGiftCommand{
+		AppCode: appCode, CommandID: "cmd-next-app-agency-lucky-batch", RoomID: "room-next-app",
+		SenderUserID: 36011, GiftID: "next-app-lucky", GiftCount: 1, PriceVersion: "v1", RegionID: 12, SenderRegionID: 12,
+		Targets: []ledger.DebitGiftTargetCommand{{
+			CommandID: "cmd-next-app-agency-lucky-batch:target:36012", TargetUserID: 36012,
+			TargetIsHost: true, TargetHostRegionID: 12, TargetAgencyOwnerUserID: 36013,
+		}},
 	})
-	if err != nil || replayed.TransactionID != receipt.TransactionID {
-		t.Fatalf("Fami agency share replay mismatch: receipt=%+v err=%v", replayed, err)
+	if err != nil {
+		t.Fatalf("cross-app batch gift revenue policy failed: %v", err)
 	}
-	assertBalanceForApp(t, svc, "fami", 32003, ledger.AssetPoint, 20)
+	if len(batch.Targets) != 1 || batch.Targets[0].Receipt.HostPointAdded != 2_500 {
+		t.Fatalf("cross-app batch host revenue mismatch: %+v", batch)
+	}
+	assertBalanceForApp(t, svc, appCode, 36012, ledger.AssetPoint, 2_500)
+	assertBalanceForApp(t, svc, appCode, 36013, ledger.AssetPoint, 500)
 }
 
 func TestHostGiftWithoutActiveHuwaaPolicyKeepsLegacyCoinIncome(t *testing.T) {
diff --git a/services/wallet-service/internal/storage/mysql/agency_point_share.go b/services/wallet-service/internal/storage/mysql/agency_point_share.go
index 4af3beea..6a77166f 100644
--- a/services/wallet-service/internal/storage/mysql/agency_point_share.go
+++ b/services/wallet-service/internal/storage/mysql/agency_point_share.go
@@ -16,10 +16,12 @@ func (r *Repository) insertAgencyPointShare(ctx context.Context, tx *sql.Tx, tra
 	_, err := tx.ExecContext(ctx, `
 		INSERT INTO agency_point_share_entries (
 		  app_code, transaction_id, host_user_id, agency_owner_user_id, sender_user_id,
-		  room_id, point_delta, ratio_ppm, policy_instance_code, created_at_ms
-		) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`,
+		  room_id, point_delta, ratio_ppm, share_base_type, share_base_amount,
+		  policy_instance_code, created_at_ms
+		) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`,
 		appcode.FromContext(ctx), transactionID, metadata.TargetUserID, metadata.TargetAgencyOwnerUserID,
 		metadata.SenderUserID, metadata.RoomID, metadata.AgencyPointAdded, metadata.AgencyPointRatioPPM,
+		metadata.AgencyPointShareBase, metadata.AgencyPointShareBaseAmount,
 		metadata.HostPointPolicyInstanceCode, nowMS,
 	)
 	return err
diff --git a/services/wallet-service/internal/storage/mysql/gift_batch_debit_repository.go b/services/wallet-service/internal/storage/mysql/gift_batch_debit_repository.go
index 74ecfa26..39d5e618 100644
--- a/services/wallet-service/internal/storage/mysql/gift_batch_debit_repository.go
+++ b/services/wallet-service/internal/storage/mysql/gift_batch_debit_repository.go
@@ -118,13 +118,37 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 		return ledger.BatchGiftReceipt{}, err
 	}
 
+	type resolvedHostDiamondRatio struct {
+		ratio             giftDiamondRatioSnapshot
+		effectiveRegionID int64
+	}
+	// 同一批目标可能跨主播区域。POINT 新政策与旧周期钻石都必须消费相同的 owner 比例解析器；
+	// 以 region_id 缓存可避免为每个 target 重复查询，同时保留区域缺失时回退全局配置的历史行为。
+	hostRatiosByRegion := make(map[int64]resolvedHostDiamondRatio)
+	resolveHostRatio := func(regionID int64) (resolvedHostDiamondRatio, error) {
+		if resolved, exists := hostRatiosByRegion[regionID]; exists {
+			return resolved, nil
+		}
+		ratio, effectiveRegionID, resolveErr := r.resolveGiftDiamondRatio(ctx, tx, command.AppCode, regionID, giftConfig.GiftTypeCode)
+		if resolveErr != nil {
+			return resolvedHostDiamondRatio{}, resolveErr
+		}
+		resolved := resolvedHostDiamondRatio{ratio: ratio, effectiveRegionID: effectiveRegionID}
+		hostRatiosByRegion[regionID] = resolved
+		return resolved, nil
+	}
+
 	type targetHostPointPolicy struct {
-		policy            walletPolicyInstance
-		amount            int64
-		userID            int64
-		agencyAmount      int64
-		agencyOwnerUserID int64
-		active            bool
+		policy                walletPolicyInstance
+		amount                int64
+		userID                int64
+		giftRatioPercent      string
+		giftRatioPPM          int64
+		giftRatioRegionID     int64
+		agencyAmount          int64
+		agencyShareBaseAmount int64
+		agencyOwnerUserID     int64
+		active                bool
 	}
 	hostPointPolicies := make(map[string]targetHostPointPolicy, len(command.Targets))
 	if chargeSource != giftChargeSourceBag {
@@ -143,25 +167,43 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 			if !active {
 				continue
 			}
-			// 批量礼物逐目标判断主播收益政策；自送礼不排除，背包礼物已在外层过滤。
-			amount, err := giftDiamondAmount(chargeAmount, policy.HostPointRatioPPM)
-			if err != nil {
-				return ledger.BatchGiftReceipt{}, err
-			}
-			agencyAmount := int64(0)
-			if target.TargetAgencyOwnerUserID > 0 && policy.AgencyPointRatioPPM > 0 {
-				agencyAmount, err = giftDiamondAmount(chargeAmount, policy.AgencyPointRatioPPM)
+			// 批量目标逐一按其政策和主播区域计算；同一礼物不能拿第一个主播的区域或收益覆盖后续目标。
+			hostGiftTypeRatio := giftDiamondRatioSnapshot{Percent: "100.00", PPM: 1_000_000}
+			giftRatioPercent := "0.00"
+			giftRatioPPM := int64(0)
+			giftRatioRegionID := int64(0)
+			if policy.HostGiftTypeRatioEnabled {
+				resolvedRatio, err := resolveHostRatio(target.TargetHostRegionID)
 				if err != nil {
 					return ledger.BatchGiftReceipt{}, err
 				}
+				hostGiftTypeRatio = resolvedRatio.ratio
+				giftRatioPercent = resolvedRatio.ratio.Percent
+				giftRatioPPM = resolvedRatio.ratio.PPM
+				giftRatioRegionID = resolvedRatio.effectiveRegionID
+			}
+			pointAmounts, err := calculateGiftPointPolicyAmounts(chargeAmount, hostGiftTypeRatio, policy)
+			if err != nil {
+				return ledger.BatchGiftReceipt{}, err
+			}
+			amount := pointAmounts.HostPointAdded
+			agencyAmount := int64(0)
+			agencyShareBaseAmount := int64(0)
+			if target.TargetAgencyOwnerUserID > 0 && policy.AgencyPointRatioPPM > 0 {
+				agencyAmount = pointAmounts.AgencyPointAdded
+				agencyShareBaseAmount = pointAmounts.AgencyShareBaseAmount
 			}
 			hostPointPolicies[target.CommandID] = targetHostPointPolicy{
-				policy:            policy,
-				amount:            amount,
-				userID:            target.TargetUserID,
-				agencyAmount:      agencyAmount,
-				agencyOwnerUserID: target.TargetAgencyOwnerUserID,
-				active:            true,
+				policy:                policy,
+				amount:                amount,
+				userID:                target.TargetUserID,
+				giftRatioPercent:      giftRatioPercent,
+				giftRatioPPM:          giftRatioPPM,
+				giftRatioRegionID:     giftRatioRegionID,
+				agencyAmount:          agencyAmount,
+				agencyShareBaseAmount: agencyShareBaseAmount,
+				agencyOwnerUserID:     target.TargetAgencyOwnerUserID,
+				active:                true,
 			}
 		}
 	}
@@ -185,15 +227,16 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 		}
 	}
 	for _, hostPointPolicy := range hostPointPolicies {
-		if hostPointPolicy.amount <= 0 {
-			continue
+		if hostPointPolicy.amount > 0 {
+			lockRequests = append(lockRequests, walletAccountLockRequest{
+				UserID:          hostPointPolicy.userID,
+				AssetType:       ledger.AssetPoint,
+				CreateIfMissing: true,
+			})
 		}
-		lockRequests = append(lockRequests, walletAccountLockRequest{
-			UserID:          hostPointPolicy.userID,
-			AssetType:       ledger.AssetPoint,
-			CreateIfMissing: true,
-		})
 		if hostPointPolicy.agencyAmount > 0 {
+			// charge_amount 兼容策略可能因两种比例不同而出现 host 向下取整为 0、Agency 仍为正数；
+			// Agency 账户锁不能被 host amount 的判断包住，否则 Direct 成功而 Batch 返回内部错误。
 			lockRequests = append(lockRequests, walletAccountLockRequest{
 				UserID:          hostPointPolicy.agencyOwnerUserID,
 				AssetType:       ledger.AssetPoint,
@@ -233,28 +276,15 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 		events = append(events, resourceEvent)
 	}
 
-	type resolvedHostDiamondRatio struct {
-		ratio             giftDiamondRatioSnapshot
-		effectiveRegionID int64
-	}
 	// 批量送礼中的主播可能属于不同区域，必须逐区域解析周期钻石比例；同一区域只查一次，
 	// 解析器会在区域配置缺失时回退 region_id=0，既避免 N 次重复查询，也不混用其他主播区域。
-	hostRatiosByRegion := make(map[int64]resolvedHostDiamondRatio)
 	for _, target := range command.Targets {
 		if !target.TargetIsHost || hostPointPolicies[target.CommandID].active {
 			continue
 		}
-		if _, exists := hostRatiosByRegion[target.TargetHostRegionID]; exists {
-			continue
-		}
-		ratio, effectiveRegionID, err := r.resolveGiftDiamondRatio(ctx, tx, command.AppCode, target.TargetHostRegionID, giftConfig.GiftTypeCode)
-		if err != nil {
+		if _, err := resolveHostRatio(target.TargetHostRegionID); err != nil {
 			return ledger.BatchGiftReceipt{}, err
 		}
-		hostRatiosByRegion[target.TargetHostRegionID] = resolvedHostDiamondRatio{
-			ratio:             ratio,
-			effectiveRegionID: effectiveRegionID,
-		}
 	}
 
 	targetReceipts := make([]ledger.BatchGiftTargetReceipt, 0, len(command.Targets))
@@ -262,8 +292,12 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 		hostPointPolicy := hostPointPolicies[target.CommandID]
 		hostPeriodDiamondAdded := int64(0)
 		hostPeriodCycleKey := ""
-		giftDiamondRatioPercent := "0.00"
-		giftDiamondRatioRegionID := int64(0)
+		giftDiamondRatioPercent := hostPointPolicy.giftRatioPercent
+		if giftDiamondRatioPercent == "" {
+			giftDiamondRatioPercent = "0.00"
+		}
+		giftDiamondRatioPPM := hostPointPolicy.giftRatioPPM
+		giftDiamondRatioRegionID := hostPointPolicy.giftRatioRegionID
 		if target.TargetIsHost && !hostPointPolicy.active {
 			resolvedRatio, exists := hostRatiosByRegion[target.TargetHostRegionID]
 			if !exists {
@@ -274,6 +308,7 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 				return ledger.BatchGiftReceipt{}, err
 			}
 			giftDiamondRatioPercent = resolvedRatio.ratio.Percent
+			giftDiamondRatioPPM = resolvedRatio.ratio.PPM
 			giftDiamondRatioRegionID = resolvedRatio.effectiveRegionID
 			hostPeriodCycleKey = hostPeriodCycleKeyFromMS(nowMs)
 		}
@@ -373,6 +408,7 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 			TargetAgencyOwnerUserID:       target.TargetAgencyOwnerUserID,
 			HostPeriodDiamondAdded:        hostPeriodDiamondAdded,
 			GiftDiamondRatioPercent:       giftDiamondRatioPercent,
+			GiftDiamondRatioPPM:           giftDiamondRatioPPM,
 			GiftDiamondRatioRegionID:      giftDiamondRatioRegionID,
 			HostPeriodCycleKey:            hostPeriodCycleKey,
 			HostPointAssetType:            hostPointPolicy.policy.HostPointAsset,
@@ -385,6 +421,8 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 			AgencyPointAdded:              hostPointPolicy.agencyAmount,
 			AgencyPointBalanceAfter:       agencyPointBalanceAfter,
 			AgencyPointRatioPPM:           hostPointPolicy.policy.AgencyPointRatioPPM,
+			AgencyPointShareBase:          hostPointPolicy.policy.AgencyPointShareBase,
+			AgencyPointShareBaseAmount:    hostPointPolicy.agencyShareBaseAmount,
 			PointsPerUSD:                  hostPointPolicy.policy.PointsPerUSD,
 			RoomID:                        command.RoomID,
 			RoomRegionID:                  command.RegionID,
@@ -473,6 +511,11 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 				return ledger.BatchGiftReceipt{}, err
 			}
 			metadata.AgencyPointBalanceAfter = agencyPointAccount.AvailableAmount
+			if agencyPointState == targetPointState {
+				// 同一 child transaction 的两个角色共用账户时，回执和主播角色事实都以第二条
+				// 分录后的最终 POINT 余额为准，不能暴露本批次内部的中间余额。
+				metadata.HostPointBalanceAfter = agencyPointAccount.AvailableAmount
+			}
 			if err := r.insertEntry(ctx, tx, walletEntry{
 				TransactionID:      transactionID,
 				UserID:             hostPointPolicy.agencyOwnerUserID,
@@ -521,12 +564,28 @@ func (r *Repository) BatchDebitGift(ctx context.Context, command ledger.BatchDeb
 		if targetGiftIncomeCoinAmount > 0 {
 			events = append(events, giftIncomeCreditedEvent(transactionID, target.CommandID, metadata, nowMs))
 		}
+		sharedHostAgencyPointAccount := hostPointPolicy.amount > 0 && hostPointPolicy.agencyAmount > 0 && target.TargetUserID == hostPointPolicy.agencyOwnerUserID
+		sharedPointDelta := int64(0)
+		if sharedHostAgencyPointAccount {
+			sharedPointDelta, err = checkedAdd(hostPointPolicy.amount, hostPointPolicy.agencyAmount)
+			if err != nil {
+				return ledger.BatchGiftReceipt{}, err
+			}
+		}
 		if hostPointPolicy.amount > 0 {
-			events = append(events, balanceChangedEvent(transactionID, target.CommandID, target.TargetUserID, ledger.AssetPoint, hostPointPolicy.amount, 0, metadata.HostPointBalanceAfter, targetPointState.account.FrozenAmount, targetPointState.account.Version, metadata, nowMs, bizTypeGiftDebit))
+			if sharedHostAgencyPointAccount {
+				// 单个 batch target 仍是一笔独立 wallet transaction。owner=self 时只聚合该 target 的
+				// 通用余额事件，不跨 target 合并；这样每个子 command 的重放与下游游标仍保持独立。
+				events = append(events, balanceChangedEvent(transactionID, target.CommandID, target.TargetUserID, ledger.AssetPoint, sharedPointDelta, 0, metadata.AgencyPointBalanceAfter, targetPointState.account.FrozenAmount, targetPointState.account.Version, metadata, nowMs, bizTypeGiftDebit))
+			} else {
+				events = append(events, balanceChangedEvent(transactionID, target.CommandID, target.TargetUserID, ledger.AssetPoint, hostPointPolicy.amount, 0, metadata.HostPointBalanceAfter, targetPointState.account.FrozenAmount, targetPointState.account.Version, metadata, nowMs, bizTypeGiftDebit))
+			}
 			events = append(events, hostPointCreditedEvent(transactionID, target.CommandID, metadata, nowMs))
 		}
 		if hostPointPolicy.agencyAmount > 0 {
-			events = append(events, balanceChangedEvent(transactionID, target.CommandID, hostPointPolicy.agencyOwnerUserID, ledger.AssetPoint, hostPointPolicy.agencyAmount, 0, metadata.AgencyPointBalanceAfter, agencyPointState.account.FrozenAmount, agencyPointState.account.Version, metadata, nowMs, bizTypeGiftDebit))
+			if !sharedHostAgencyPointAccount {
+				events = append(events, balanceChangedEvent(transactionID, target.CommandID, hostPointPolicy.agencyOwnerUserID, ledger.AssetPoint, hostPointPolicy.agencyAmount, 0, metadata.AgencyPointBalanceAfter, agencyPointState.account.FrozenAmount, agencyPointState.account.Version, metadata, nowMs, bizTypeGiftDebit))
+			}
 			events = append(events, agencyPointCreditedEvent(transactionID, target.CommandID, metadata, nowMs))
 		}
 		if hostPeriodDiamondAdded > 0 {
diff --git a/services/wallet-service/internal/storage/mysql/gift_debit_repository.go b/services/wallet-service/internal/storage/mysql/gift_debit_repository.go
index 2536c375..8ba8620e 100644
--- a/services/wallet-service/internal/storage/mysql/gift_debit_repository.go
+++ b/services/wallet-service/internal/storage/mysql/gift_debit_repository.go
@@ -95,8 +95,14 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 			return ledger.Receipt{}, err
 		}
 	}
+	// 礼物类型倍率既参与旧周期钻石，也可能参与新 POINT 政策。三项快照在事务内一次解析并落 metadata，
+	// 后续运营调整区域倍率时，历史流水仍能证明 charge_amount 如何得到主播实际收益。
+	giftDiamondRatioPercent := "0.00"
+	giftDiamondRatioPPM := int64(0)
+	giftDiamondRatioRegionID := int64(0)
 	hostPointAdded := int64(0)
 	agencyPointAdded := int64(0)
+	agencyPointShareBaseAmount := int64(0)
 	hostPointPolicy := walletPolicyInstance{}
 	hostPointPolicyActive := false
 	hostPointRegionID := command.TargetHostRegionID
@@ -109,26 +115,34 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 			return ledger.Receipt{}, err
 		}
 		if hostPointPolicyActive {
-			// Huwaa 第一套政策把主播有效付费礼物收益写入 POINT；自送礼不被排除，背包/机器人礼物不属于有效付费礼物。
-			hostPointAdded, err = giftDiamondAmount(chargeAmount, hostPointPolicy.HostPointRatioPPM)
-			if err != nil {
-				return ledger.Receipt{}, err
-			}
-			// 命中新政策后不再给主播走旧 COIN 返还，避免同一笔礼物同时产生 COIN 收礼返还和 POINT 收益。
-			giftIncomeCoinAmount = 0
-			if command.TargetAgencyOwnerUserID > 0 && hostPointPolicy.AgencyPointRatioPPM > 0 {
-				// Agency 分成只跟随服务端注入的送礼时归属快照，客户端不能指定；自送礼同样属于有效付费礼物。
-				agencyPointAdded, err = giftDiamondAmount(chargeAmount, hostPointPolicy.AgencyPointRatioPPM)
+			// 旧政策直接以 charge_amount 为主播基数；Fami 新政策显式开启 gift-type ratio 后，
+			// 必须先按主播所在区域和礼物类型得到原有钻石收益，再换算 POINT。两种模式都由运行快照决定，
+			// 不能按 app_code 写死，避免未来新 App 复制代码分支。
+			hostGiftTypeRatio := giftDiamondRatioSnapshot{Percent: "100.00", PPM: 1_000_000}
+			if hostPointPolicy.HostGiftTypeRatioEnabled {
+				hostGiftTypeRatio, giftDiamondRatioRegionID, err = r.resolveGiftDiamondRatio(ctx, tx, command.AppCode, command.TargetHostRegionID, giftConfig.GiftTypeCode)
 				if err != nil {
 					return ledger.Receipt{}, err
 				}
+				giftDiamondRatioPercent = hostGiftTypeRatio.Percent
+				giftDiamondRatioPPM = hostGiftTypeRatio.PPM
+			}
+			pointAmounts, err := calculateGiftPointPolicyAmounts(chargeAmount, hostGiftTypeRatio, hostPointPolicy)
+			if err != nil {
+				return ledger.Receipt{}, err
+			}
+			hostPointAdded = pointAmounts.HostPointAdded
+			// 命中新政策后不再给主播走旧 COIN 返还，避免同一笔礼物同时产生 COIN 收礼返还和 POINT 收益。
+			giftIncomeCoinAmount = 0
+			if command.TargetAgencyOwnerUserID > 0 && hostPointPolicy.AgencyPointRatioPPM > 0 {
+				// Agency 资格只跟随 gateway 注入并进入 wallet 幂等哈希的归属快照；用户不能自报 owner。
+				agencyPointAdded = pointAmounts.AgencyPointAdded
+				agencyPointShareBaseAmount = pointAmounts.AgencyShareBaseAmount
 			}
 		}
 	}
 	hostPeriodDiamondAdded := int64(0)
 	hostPeriodCycleKey := ""
-	giftDiamondRatioPercent := "0.00"
-	giftDiamondRatioRegionID := int64(0)
 	if command.TargetIsHost && !command.RobotGift && !hostPointPolicyActive {
 		// 主播周期钻石按主播身份所属区域结算，而不是房间可见区域或送礼人区域；
 		// 区域未配置时由解析器回退 region_id=0，保证历史全局配置继续生效。
@@ -142,6 +156,7 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 			return ledger.Receipt{}, err
 		}
 		giftDiamondRatioPercent = ratio.Percent
+		giftDiamondRatioPPM = ratio.PPM
 		giftDiamondRatioRegionID = ratioRegionID
 		hostPeriodCycleKey = hostPeriodCycleKeyFromMS(nowMs)
 	}
@@ -297,6 +312,7 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 		TargetAgencyOwnerUserID:       command.TargetAgencyOwnerUserID,
 		HostPeriodDiamondAdded:        hostPeriodDiamondAdded,
 		GiftDiamondRatioPercent:       giftDiamondRatioPercent,
+		GiftDiamondRatioPPM:           giftDiamondRatioPPM,
 		GiftDiamondRatioRegionID:      giftDiamondRatioRegionID,
 		HostPeriodCycleKey:            hostPeriodCycleKey,
 		HostPointAssetType:            hostPointPolicy.HostPointAsset,
@@ -309,6 +325,8 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 		AgencyPointAdded:              agencyPointAdded,
 		AgencyPointBalanceAfter:       agencyPointBalanceAfter,
 		AgencyPointRatioPPM:           hostPointPolicy.AgencyPointRatioPPM,
+		AgencyPointShareBase:          hostPointPolicy.AgencyPointShareBase,
+		AgencyPointShareBaseAmount:    agencyPointShareBaseAmount,
 		PointsPerUSD:                  hostPointPolicy.PointsPerUSD,
 		RoomID:                        command.RoomID,
 		RoomRegionID:                  command.RegionID,
@@ -431,6 +449,11 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 			return ledger.Receipt{}, err
 		}
 		metadata.AgencyPointBalanceAfter = agencyPointAccount.AvailableAmount
+		if agencyPointState == targetPointState {
+			// owner=self 的两个角色共享一个 POINT 账户；同步回执和 HostPointCredited 必须返回整笔
+			// 交易完成后的最终余额，而不是只完成主播分录时的中间余额。
+			metadata.HostPointBalanceAfter = agencyPointAccount.AvailableAmount
+		}
 		if err := r.insertEntry(ctx, tx, walletEntry{
 			TransactionID:      transactionID,
 			UserID:             command.TargetAgencyOwnerUserID,
@@ -483,12 +506,29 @@ func (r *Repository) DebitGift(ctx context.Context, command ledger.DebitGiftComm
 		if giftIncomeCoinAmount > 0 {
 			events = append(events, giftIncomeCreditedEvent(transactionID, command.CommandID, metadata, nowMs))
 		}
+		sharedHostAgencyPointAccount := hostPointAdded > 0 && agencyPointAdded > 0 && command.TargetUserID == command.TargetAgencyOwnerUserID
+		sharedPointDelta := int64(0)
+		if sharedHostAgencyPointAccount {
+			sharedPointDelta, err = checkedAdd(hostPointAdded, agencyPointAdded)
+			if err != nil {
+				return ledger.Receipt{}, err
+			}
+		}
 		if hostPointAdded > 0 {
-			events = append(events, balanceChangedEvent(transactionID, command.CommandID, command.TargetUserID, ledger.AssetPoint, hostPointAdded, 0, metadata.HostPointBalanceAfter, targetPointState.account.FrozenAmount, targetPointState.account.Version, metadata, nowMs, bizType))
+			if sharedHostAgencyPointAccount {
+				// 公会长自己收礼时两种角色写同一个 POINT 账户。账本仍保留两条分录和两个角色事实，
+				// 但通用余额事件的幂等 ID 只含 transaction/user/asset；必须合并成最终净变动，否则第二条
+				// WalletBalanceChanged 会撞主键并让整笔扣费事务回滚。
+				events = append(events, balanceChangedEvent(transactionID, command.CommandID, command.TargetUserID, ledger.AssetPoint, sharedPointDelta, 0, metadata.AgencyPointBalanceAfter, targetPointState.account.FrozenAmount, targetPointState.account.Version, metadata, nowMs, bizType))
+			} else {
+				events = append(events, balanceChangedEvent(transactionID, command.CommandID, command.TargetUserID, ledger.AssetPoint, hostPointAdded, 0, metadata.HostPointBalanceAfter, targetPointState.account.FrozenAmount, targetPointState.account.Version, metadata, nowMs, bizType))
+			}
 			events = append(events, hostPointCreditedEvent(transactionID, command.CommandID, metadata, nowMs))
 		}
 		if agencyPointAdded > 0 {
-			events = append(events, balanceChangedEvent(transactionID, command.CommandID, command.TargetAgencyOwnerUserID, ledger.AssetPoint, agencyPointAdded, 0, metadata.AgencyPointBalanceAfter, agencyPointState.account.FrozenAmount, agencyPointState.account.Version, metadata, nowMs, bizType))
+			if !sharedHostAgencyPointAccount {
+				events = append(events, balanceChangedEvent(transactionID, command.CommandID, command.TargetAgencyOwnerUserID, ledger.AssetPoint, agencyPointAdded, 0, metadata.AgencyPointBalanceAfter, agencyPointState.account.FrozenAmount, agencyPointState.account.Version, metadata, nowMs, bizType))
+			}
 			events = append(events, agencyPointCreditedEvent(transactionID, command.CommandID, metadata, nowMs))
 		}
 	}
diff --git a/services/wallet-service/internal/storage/mysql/gift_point_policy.go b/services/wallet-service/internal/storage/mysql/gift_point_policy.go
new file mode 100644
index 00000000..3a97b7c1
--- /dev/null
+++ b/services/wallet-service/internal/storage/mysql/gift_point_policy.go
@@ -0,0 +1,53 @@
+package mysql
+
+import "hyapp/pkg/xerr"
+
+// giftPointPolicyAmounts 把一次付费礼物拆成主播 POINT 与 Agency POINT 两个独立账务分量。
+// AgencyShareBaseAmount 一并固化到审计流水，避免策略发布后只能看到 20% 却无法证明当时的计算基数。
+type giftPointPolicyAmounts struct {
+	HostPointAdded        int64
+	AgencyPointAdded      int64
+	AgencyShareBaseAmount int64
+}
+
+// calculateGiftPointPolicyAmounts 只处理金额公式，不决定 Agency 资格；owner 快照仍由 gateway 在
+// 送礼受理时从 user-service 获取，并由调用方在 owner_id>0 时才真正写 Agency 账。
+func calculateGiftPointPolicyAmounts(chargeAmount int64, giftTypeRatio giftDiamondRatioSnapshot, policy walletPolicyInstance) (giftPointPolicyAmounts, error) {
+	if chargeAmount < 0 || giftTypeRatio.PPM < 0 || giftTypeRatio.PPM > 1_000_000 {
+		return giftPointPolicyAmounts{}, xerr.New(xerr.InvalidArgument, "gift point policy amount is invalid")
+	}
+
+	hostBaseAmount := chargeAmount
+	if policy.HostGiftTypeRatioEnabled {
+		// Fami 的普通/幸运/超级幸运礼物先沿用主播原有 100%/10%/1% 钻石口径；区域覆盖也在
+		// 调用本函数前由 wallet owner 解析。这里保留两阶段向下取整，严格对应“主播实收后的 20%”。
+		var err error
+		hostBaseAmount, err = giftDiamondAmount(chargeAmount, giftTypeRatio.PPM)
+		if err != nil {
+			return giftPointPolicyAmounts{}, err
+		}
+	}
+	hostPointAdded, err := giftDiamondAmount(hostBaseAmount, policy.HostPointRatioPPM)
+	if err != nil {
+		return giftPointPolicyAmounts{}, err
+	}
+
+	agencyShareBaseAmount := chargeAmount
+	switch policy.AgencyPointShareBase {
+	case agencyPointShareBaseChargeAmount:
+		// 旧政策直接从礼物实扣金额切分 Agency POINT，保持已发布 Huwaa/Fami 历史实例兼容。
+	case agencyPointShareBaseHostIncome:
+		agencyShareBaseAmount = hostPointAdded
+	default:
+		return giftPointPolicyAmounts{}, xerr.New(xerr.InvalidArgument, "wallet policy agency share base is invalid")
+	}
+	agencyPointAdded, err := giftDiamondAmount(agencyShareBaseAmount, policy.AgencyPointRatioPPM)
+	if err != nil {
+		return giftPointPolicyAmounts{}, err
+	}
+	return giftPointPolicyAmounts{
+		HostPointAdded:        hostPointAdded,
+		AgencyPointAdded:      agencyPointAdded,
+		AgencyShareBaseAmount: agencyShareBaseAmount,
+	}, nil
+}
diff --git a/services/wallet-service/internal/storage/mysql/gift_point_policy_test.go b/services/wallet-service/internal/storage/mysql/gift_point_policy_test.go
new file mode 100644
index 00000000..39f5ba4a
--- /dev/null
+++ b/services/wallet-service/internal/storage/mysql/gift_point_policy_test.go
@@ -0,0 +1,64 @@
+package mysql
+
+import "testing"
+
+func TestCalculateGiftPointPolicyAmountsUsesActualHostIncomeForAgencyBonus(t *testing.T) {
+	policy := walletPolicyInstance{
+		HostPointRatioPPM:        1_000_000,
+		HostGiftTypeRatioEnabled: true,
+		AgencyPointRatioPPM:      200_000,
+		AgencyPointShareBase:     agencyPointShareBaseHostIncome,
+	}
+	cases := []struct {
+		name        string
+		typeRatio   int64
+		hostPoint   int64
+		agencyPoint int64
+	}{
+		{name: "normal", typeRatio: 1_000_000, hostPoint: 10_000, agencyPoint: 2_000},
+		{name: "lucky", typeRatio: 100_000, hostPoint: 1_000, agencyPoint: 200},
+		{name: "super lucky", typeRatio: 10_000, hostPoint: 100, agencyPoint: 20},
+	}
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			amounts, err := calculateGiftPointPolicyAmounts(10_000, giftDiamondRatioSnapshot{PPM: tc.typeRatio}, policy)
+			if err != nil {
+				t.Fatalf("calculate gift point policy amounts: %v", err)
+			}
+			if amounts.HostPointAdded != tc.hostPoint || amounts.AgencyShareBaseAmount != tc.hostPoint || amounts.AgencyPointAdded != tc.agencyPoint {
+				t.Fatalf("unexpected amounts: %+v", amounts)
+			}
+		})
+	}
+}
+
+func TestCalculateGiftPointPolicyAmountsPreservesLegacyChargeBase(t *testing.T) {
+	amounts, err := calculateGiftPointPolicyAmounts(10_000, giftDiamondRatioSnapshot{PPM: 10_000}, walletPolicyInstance{
+		HostPointRatioPPM:    700_000,
+		AgencyPointRatioPPM:  200_000,
+		AgencyPointShareBase: agencyPointShareBaseChargeAmount,
+	})
+	if err != nil {
+		t.Fatalf("calculate legacy policy amounts: %v", err)
+	}
+	// 旧策略没有开启礼物类型倍率，并直接按实扣金额计算 Agency 分成，确保已发布的 70%+20% 快照不变义。
+	if amounts.HostPointAdded != 7_000 || amounts.AgencyShareBaseAmount != 10_000 || amounts.AgencyPointAdded != 2_000 {
+		t.Fatalf("unexpected legacy amounts: %+v", amounts)
+	}
+}
+
+func TestCalculateGiftPointPolicyAmountsRoundsAgencyFromRoundedHostIncome(t *testing.T) {
+	amounts, err := calculateGiftPointPolicyAmounts(499, giftDiamondRatioSnapshot{PPM: 10_000}, walletPolicyInstance{
+		HostPointRatioPPM:        1_000_000,
+		HostGiftTypeRatioEnabled: true,
+		AgencyPointRatioPPM:      200_000,
+		AgencyPointShareBase:     agencyPointShareBaseHostIncome,
+	})
+	if err != nil {
+		t.Fatalf("calculate rounded policy amounts: %v", err)
+	}
+	// 499 * 1% 先向下取整为主播实收 4；Agency 再按该 4 的 20% 向下取整为 0，不能从原价直接算出 99。
+	if amounts.HostPointAdded != 4 || amounts.AgencyShareBaseAmount != 4 || amounts.AgencyPointAdded != 0 {
+		t.Fatalf("unexpected rounded amounts: %+v", amounts)
+	}
+}
diff --git a/services/wallet-service/internal/storage/mysql/metadata.go b/services/wallet-service/internal/storage/mysql/metadata.go
index f7c73725..90f78d1d 100644
--- a/services/wallet-service/internal/storage/mysql/metadata.go
+++ b/services/wallet-service/internal/storage/mysql/metadata.go
@@ -42,30 +42,35 @@ type giftMetadata struct {
 	LastRechargedAtMS      int64 `json:"last_recharged_at_ms,omitempty"`
 	// PaidAtMS 与 wallet_transactions.created_at_ms 同源；写进 metadata 让新交易直接重放，
 	// 历史 metadata 缺字段时 receipt 查询会从交易主表创建时间补齐。
-	PaidAtMS                      int64  `json:"paid_at_ms,omitempty"`
-	BillingReceipt                string `json:"billing_receipt_id"`
-	SenderUserID                  int64  `json:"sender_user_id"`
-	SenderRegionID                int64  `json:"sender_region_id"`
-	TargetUserID                  int64  `json:"target_user_id"`
-	TargetIsHost                  bool   `json:"target_is_host"`
-	TargetHostRegionID            int64  `json:"target_host_region_id"`
-	TargetAgencyOwnerUserID       int64  `json:"target_agency_owner_user_id"`
-	HostPeriodDiamondAdded        int64  `json:"host_period_diamond_added"`
-	GiftDiamondRatioPercent       string `json:"gift_diamond_ratio_percent"`
-	GiftDiamondRatioRegionID      int64  `json:"gift_diamond_ratio_region_id"`
-	HostPeriodDiamondAfter        int64  `json:"host_period_diamond_after"`
-	HostPeriodDiamondVersion      int64  `json:"host_period_diamond_version"`
-	HostPeriodCycleKey            string `json:"host_period_cycle_key"`
-	HostPointAssetType            string `json:"host_point_asset_type,omitempty"`
-	HostPointAdded                int64  `json:"host_point_added,omitempty"`
-	HostPointBalanceAfter         int64  `json:"host_point_balance_after,omitempty"`
-	HostPointPolicyInstanceCode   string `json:"host_point_policy_instance_code,omitempty"`
-	HostPointTemplateCode         string `json:"host_point_template_code,omitempty"`
-	HostPointTemplateVersion      string `json:"host_point_template_version,omitempty"`
-	HostPointRatioPPM             int64  `json:"host_point_ratio_ppm,omitempty"`
-	AgencyPointAdded              int64  `json:"agency_point_added,omitempty"`
-	AgencyPointBalanceAfter       int64  `json:"agency_point_balance_after,omitempty"`
-	AgencyPointRatioPPM           int64  `json:"agency_point_ratio_ppm,omitempty"`
+	PaidAtMS                    int64  `json:"paid_at_ms,omitempty"`
+	BillingReceipt              string `json:"billing_receipt_id"`
+	SenderUserID                int64  `json:"sender_user_id"`
+	SenderRegionID              int64  `json:"sender_region_id"`
+	TargetUserID                int64  `json:"target_user_id"`
+	TargetIsHost                bool   `json:"target_is_host"`
+	TargetHostRegionID          int64  `json:"target_host_region_id"`
+	TargetAgencyOwnerUserID     int64  `json:"target_agency_owner_user_id"`
+	HostPeriodDiamondAdded      int64  `json:"host_period_diamond_added"`
+	GiftDiamondRatioPercent     string `json:"gift_diamond_ratio_percent"`
+	GiftDiamondRatioPPM         int64  `json:"gift_diamond_ratio_ppm,omitempty"`
+	GiftDiamondRatioRegionID    int64  `json:"gift_diamond_ratio_region_id"`
+	HostPeriodDiamondAfter      int64  `json:"host_period_diamond_after"`
+	HostPeriodDiamondVersion    int64  `json:"host_period_diamond_version"`
+	HostPeriodCycleKey          string `json:"host_period_cycle_key"`
+	HostPointAssetType          string `json:"host_point_asset_type,omitempty"`
+	HostPointAdded              int64  `json:"host_point_added,omitempty"`
+	HostPointBalanceAfter       int64  `json:"host_point_balance_after,omitempty"`
+	HostPointPolicyInstanceCode string `json:"host_point_policy_instance_code,omitempty"`
+	HostPointTemplateCode       string `json:"host_point_template_code,omitempty"`
+	HostPointTemplateVersion    string `json:"host_point_template_version,omitempty"`
+	HostPointRatioPPM           int64  `json:"host_point_ratio_ppm,omitempty"`
+	AgencyPointAdded            int64  `json:"agency_point_added,omitempty"`
+	AgencyPointBalanceAfter     int64  `json:"agency_point_balance_after,omitempty"`
+	AgencyPointRatioPPM         int64  `json:"agency_point_ratio_ppm,omitempty"`
+	// AgencyPointShareBase/Amount 是分成公式与基数的不可变交易快照；只存 ratio 无法区分旧的
+	// charge_amount 口径和 Fami 新的 host_income 额外收益口径。
+	AgencyPointShareBase          string `json:"agency_point_share_base,omitempty"`
+	AgencyPointShareBaseAmount    int64  `json:"agency_point_share_base_amount,omitempty"`
 	PointsPerUSD                  int64  `json:"points_per_usd,omitempty"`
 	RoomID                        string `json:"room_id"`
 	RoomRegionID                  int64  `json:"room_region_id"`
diff --git a/services/wallet-service/internal/storage/mysql/outbox.go b/services/wallet-service/internal/storage/mysql/outbox.go
index 79c0cd11..98e45dbb 100644
--- a/services/wallet-service/internal/storage/mysql/outbox.go
+++ b/services/wallet-service/internal/storage/mysql/outbox.go
@@ -816,27 +816,30 @@ func hostPointCreditedEvent(transactionID string, commandID string, metadata gif
 		AvailableDelta: metadata.HostPointAdded,
 		FrozenDelta:    0,
 		Payload: map[string]any{
-			"transaction_id":          transactionID,
-			"command_id":              commandID,
-			"host_user_id":            metadata.TargetUserID,
-			"sender_user_id":          metadata.SenderUserID,
-			"room_id":                 metadata.RoomID,
-			"region_id":               metadata.TargetHostRegionID,
-			"asset_type":              ledger.AssetPoint,
-			"point_delta":             metadata.HostPointAdded,
-			"point_balance_after":     metadata.HostPointBalanceAfter,
-			"gift_charge_asset_type":  metadata.ChargeAssetType,
-			"gift_charge_amount":      metadata.ChargeAmount,
-			"charge_source":           metadata.ChargeSource,
-			"gift_id":                 metadata.GiftID,
-			"gift_count":              metadata.GiftCount,
-			"policy_instance_code":    metadata.HostPointPolicyInstanceCode,
-			"policy_template_code":    metadata.HostPointTemplateCode,
-			"policy_template_version": metadata.HostPointTemplateVersion,
-			"host_point_ratio_ppm":    metadata.HostPointRatioPPM,
-			"points_per_usd":          metadata.PointsPerUSD,
-			"allow_self_brushing":     true,
-			"created_at_ms":           nowMs,
+			"transaction_id":               transactionID,
+			"command_id":                   commandID,
+			"host_user_id":                 metadata.TargetUserID,
+			"sender_user_id":               metadata.SenderUserID,
+			"room_id":                      metadata.RoomID,
+			"region_id":                    metadata.TargetHostRegionID,
+			"asset_type":                   ledger.AssetPoint,
+			"point_delta":                  metadata.HostPointAdded,
+			"point_balance_after":          metadata.HostPointBalanceAfter,
+			"gift_charge_asset_type":       metadata.ChargeAssetType,
+			"gift_charge_amount":           metadata.ChargeAmount,
+			"charge_source":                metadata.ChargeSource,
+			"gift_id":                      metadata.GiftID,
+			"gift_count":                   metadata.GiftCount,
+			"policy_instance_code":         metadata.HostPointPolicyInstanceCode,
+			"policy_template_code":         metadata.HostPointTemplateCode,
+			"policy_template_version":      metadata.HostPointTemplateVersion,
+			"host_point_ratio_ppm":         metadata.HostPointRatioPPM,
+			"gift_diamond_ratio_percent":   metadata.GiftDiamondRatioPercent,
+			"gift_diamond_ratio_ppm":       metadata.GiftDiamondRatioPPM,
+			"gift_diamond_ratio_region_id": metadata.GiftDiamondRatioRegionID,
+			"points_per_usd":               metadata.PointsPerUSD,
+			"allow_self_brushing":          true,
+			"created_at_ms":                nowMs,
 		},
 		CreatedAtMS: nowMs,
 	}
@@ -853,24 +856,26 @@ func agencyPointCreditedEvent(transactionID string, commandID string, metadata g
 		AvailableDelta: metadata.AgencyPointAdded,
 		FrozenDelta:    0,
 		Payload: map[string]any{
-			"transaction_id":          transactionID,
-			"command_id":              commandID,
-			"host_user_id":            metadata.TargetUserID,
-			"agency_owner_user_id":    metadata.TargetAgencyOwnerUserID,
-			"sender_user_id":          metadata.SenderUserID,
-			"room_id":                 metadata.RoomID,
-			"asset_type":              ledger.AssetPoint,
-			"point_delta":             metadata.AgencyPointAdded,
-			"point_balance_after":     metadata.AgencyPointBalanceAfter,
-			"gift_charge_asset_type":  metadata.ChargeAssetType,
-			"gift_charge_amount":      metadata.ChargeAmount,
-			"gift_id":                 metadata.GiftID,
-			"gift_count":              metadata.GiftCount,
-			"policy_instance_code":    metadata.HostPointPolicyInstanceCode,
-			"policy_template_code":    metadata.HostPointTemplateCode,
-			"policy_template_version": metadata.HostPointTemplateVersion,
-			"agency_point_ratio_ppm":  metadata.AgencyPointRatioPPM,
-			"created_at_ms":           nowMs,
+			"transaction_id":           transactionID,
+			"command_id":               commandID,
+			"host_user_id":             metadata.TargetUserID,
+			"agency_owner_user_id":     metadata.TargetAgencyOwnerUserID,
+			"sender_user_id":           metadata.SenderUserID,
+			"room_id":                  metadata.RoomID,
+			"asset_type":               ledger.AssetPoint,
+			"point_delta":              metadata.AgencyPointAdded,
+			"point_balance_after":      metadata.AgencyPointBalanceAfter,
+			"gift_charge_asset_type":   metadata.ChargeAssetType,
+			"gift_charge_amount":       metadata.ChargeAmount,
+			"gift_id":                  metadata.GiftID,
+			"gift_count":               metadata.GiftCount,
+			"policy_instance_code":     metadata.HostPointPolicyInstanceCode,
+			"policy_template_code":     metadata.HostPointTemplateCode,
+			"policy_template_version":  metadata.HostPointTemplateVersion,
+			"agency_point_ratio_ppm":   metadata.AgencyPointRatioPPM,
+			"agency_share_base":        metadata.AgencyPointShareBase,
+			"agency_share_base_amount": metadata.AgencyPointShareBaseAmount,
+			"created_at_ms":            nowMs,
 		},
 		CreatedAtMS: nowMs,
 	}
diff --git a/services/wallet-service/internal/storage/mysql/policy_instance.go b/services/wallet-service/internal/storage/mysql/policy_instance.go
index 47a518bd..601b15bd 100644
--- a/services/wallet-service/internal/storage/mysql/policy_instance.go
+++ b/services/wallet-service/internal/storage/mysql/policy_instance.go
@@ -4,6 +4,7 @@ import (
 	"context"
 	"database/sql"
 	"errors"
+	"strconv"
 	"strings"
 
 	"hyapp/pkg/appcode"
@@ -11,16 +12,27 @@ import (
 	"hyapp/services/wallet-service/internal/domain/ledger"
 )
 
+const (
+	// charge_amount 是 ca15f098 上线时的兼容口径：Agency 比例直接作用于礼物实扣金额，
+	// 因而主播比例与 Agency 比例必须共同受 100% 资金池约束。
+	agencyPointShareBaseChargeAmount = "charge_amount"
+	// host_income 表示平台在主播本次实际 POINT 收益之外追加 Agency 奖励。
+	// 该口径先完成礼物类型和主播政策换算，再对最终主播收益取比例，允许出现 100%+20%。
+	agencyPointShareBaseHostIncome = "host_income"
+)
+
 type walletPolicyInstance struct {
-	InstanceCode        string
-	TemplateCode        string
-	TemplateVersion     string
-	RegionID            int64
-	HostPointAsset      string
-	HostPointRatioPPM   int64
-	AgencyPointRatioPPM int64
-	PointsPerUSD        int64
-	WithdrawFeeBPS      int64
+	InstanceCode             string
+	TemplateCode             string
+	TemplateVersion          string
+	RegionID                 int64
+	HostPointAsset           string
+	HostPointRatioPPM        int64
+	HostGiftTypeRatioEnabled bool
+	AgencyPointRatioPPM      int64
+	AgencyPointShareBase     string
+	PointsPerUSD             int64
+	WithdrawFeeBPS           int64
 }
 
 func (r *Repository) resolveActiveWalletPolicy(ctx context.Context, tx *sql.Tx, appCode string, regionID int64, nowMS int64) (walletPolicyInstance, bool, error) {
@@ -30,7 +42,11 @@ func (r *Repository) resolveActiveWalletPolicy(ctx context.Context, tx *sql.Tx,
 	}
 	row := tx.QueryRowContext(ctx, `
 		SELECT instance_code, template_code, template_version, region_id, host_point_asset_type,
-		       host_point_ratio_ppm, agency_point_ratio_ppm, points_per_usd, withdraw_fee_bps
+		       host_point_ratio_ppm,
+		       COALESCE(JSON_UNQUOTE(JSON_EXTRACT(rule_json, '$.host.use_gift_type_ratio')), 'false'),
+		       agency_point_ratio_ppm,
+		       COALESCE(JSON_UNQUOTE(JSON_EXTRACT(rule_json, '$.agency.share_base')), 'charge_amount'),
+		       points_per_usd, withdraw_fee_bps
 		FROM wallet_policy_instances
 		WHERE app_code = ?
 		  AND region_id IN (?, 0)
@@ -42,7 +58,20 @@ func (r *Repository) resolveActiveWalletPolicy(ctx context.Context, tx *sql.Tx,
 		appCode, regionID, nowMS, nowMS, regionID,
 	)
 	var item walletPolicyInstance
-	if err := row.Scan(&item.InstanceCode, &item.TemplateCode, &item.TemplateVersion, &item.RegionID, &item.HostPointAsset, &item.HostPointRatioPPM, &item.AgencyPointRatioPPM, &item.PointsPerUSD, &item.WithdrawFeeBPS); err != nil {
+	var hostGiftTypeRatioRaw string
+	if err := row.Scan(
+		&item.InstanceCode,
+		&item.TemplateCode,
+		&item.TemplateVersion,
+		&item.RegionID,
+		&item.HostPointAsset,
+		&item.HostPointRatioPPM,
+		&hostGiftTypeRatioRaw,
+		&item.AgencyPointRatioPPM,
+		&item.AgencyPointShareBase,
+		&item.PointsPerUSD,
+		&item.WithdrawFeeBPS,
+	); err != nil {
 		if errors.Is(err, sql.ErrNoRows) {
 			return walletPolicyInstance{}, false, nil
 		}
@@ -52,8 +81,33 @@ func (r *Repository) resolveActiveWalletPolicy(ctx context.Context, tx *sql.Tx,
 	if item.HostPointAsset == "" {
 		item.HostPointAsset = ledger.AssetPoint
 	}
-	if item.HostPointAsset != ledger.AssetPoint || item.HostPointRatioPPM <= 0 || item.HostPointRatioPPM > 1_000_000 || item.AgencyPointRatioPPM < 0 || item.AgencyPointRatioPPM > 1_000_000 || item.HostPointRatioPPM+item.AgencyPointRatioPPM > 1_000_000 || item.PointsPerUSD <= 0 || item.WithdrawFeeBPS < 0 || item.WithdrawFeeBPS > 10_000 {
+	parsedGiftTypeRatio, err := strconv.ParseBool(strings.ToLower(strings.TrimSpace(hostGiftTypeRatioRaw)))
+	if err != nil {
+		return walletPolicyInstance{}, false, xerr.New(xerr.InvalidArgument, "wallet policy host gift type ratio flag is invalid")
+	}
+	item.HostGiftTypeRatioEnabled = parsedGiftTypeRatio
+	item.AgencyPointShareBase = strings.ToLower(strings.TrimSpace(item.AgencyPointShareBase))
+	if item.AgencyPointShareBase == "" {
+		item.AgencyPointShareBase = agencyPointShareBaseChargeAmount
+	}
+	if item.HostPointAsset != ledger.AssetPoint ||
+		item.HostPointRatioPPM <= 0 || item.HostPointRatioPPM > 1_000_000 ||
+		item.AgencyPointRatioPPM < 0 || item.AgencyPointRatioPPM > 1_000_000 ||
+		item.PointsPerUSD <= 0 || item.WithdrawFeeBPS < 0 || item.WithdrawFeeBPS > 10_000 {
 		return walletPolicyInstance{}, false, xerr.New(xerr.InvalidArgument, "wallet policy instance is invalid")
 	}
+	switch item.AgencyPointShareBase {
+	case agencyPointShareBaseChargeAmount:
+		// 旧实例没有 share_base，必须继续执行原先的总资金池守恒约束；否则一次重新发布就会
+		// 把历史 70%+20% 配置悄然解释成可超发政策。
+		if item.HostPointRatioPPM+item.AgencyPointRatioPPM > 1_000_000 {
+			return walletPolicyInstance{}, false, xerr.New(xerr.InvalidArgument, "wallet policy instance is invalid")
+		}
+	case agencyPointShareBaseHostIncome:
+		// host_income 是额外平台奖励，Agency 百分比相对于主播实际到账值独立校验，不能与
+		// host_point_ratio_ppm 相加后套用旧的 100% 上限。
+	default:
+		return walletPolicyInstance{}, false, xerr.New(xerr.InvalidArgument, "wallet policy agency share base is invalid")
+	}
 	return item, true, nil
 }
diff --git a/services/wallet-service/internal/storage/mysql/schema.go b/services/wallet-service/internal/storage/mysql/schema.go
index 33cfd4ed..71a62245 100644
--- a/services/wallet-service/internal/storage/mysql/schema.go
+++ b/services/wallet-service/internal/storage/mysql/schema.go
@@ -372,7 +372,7 @@ func ensureWalletPolicyInstanceSchema(ctx context.Context, db *sql.DB) error {
 		  effective_to_ms BIGINT NOT NULL DEFAULT 0 COMMENT '0 表示长期有效',
 		  host_point_asset_type VARCHAR(32) NOT NULL DEFAULT 'POINT' COMMENT '主播收益积分资产',
 		  host_point_ratio_ppm BIGINT NOT NULL DEFAULT 700000 COMMENT '有效付费礼物转 POINT 比例，ppm',
-		  agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT '有效付费礼物给 Agency owner 的 POINT 分成比例，ppm',
+		  agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT 'Agency POINT 分成比例，计算基数由 rule_json agency.share_base 决定，ppm',
 		  points_per_usd BIGINT NOT NULL DEFAULT 100000 COMMENT 'POINT/USD 展示换算比例',
 		  withdraw_fee_bps INT NOT NULL DEFAULT 500 COMMENT '提现手续费 bps',
 		  rule_json JSON NOT NULL COMMENT '完整政策快照',
@@ -386,7 +386,7 @@ func ensureWalletPolicyInstanceSchema(ctx context.Context, db *sql.DB) error {
 	if err != nil {
 		return err
 	}
-	if _, err := db.ExecContext(ctx, `ALTER TABLE wallet_policy_instances ADD COLUMN agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT '有效付费礼物给 Agency owner 的 POINT 分成比例，ppm' AFTER host_point_ratio_ppm`); err != nil && !isDuplicateColumnError(err) {
+	if _, err := db.ExecContext(ctx, `ALTER TABLE wallet_policy_instances ADD COLUMN agency_point_ratio_ppm BIGINT NOT NULL DEFAULT 0 COMMENT 'Agency POINT 分成比例，计算基数由 rule_json agency.share_base 决定，ppm' AFTER host_point_ratio_ppm`); err != nil && !isDuplicateColumnError(err) {
 		return err
 	}
 	_, err = db.ExecContext(ctx, `
@@ -399,13 +399,26 @@ func ensureWalletPolicyInstanceSchema(ctx context.Context, db *sql.DB) error {
 		  room_id VARCHAR(96) NOT NULL DEFAULT '',
 		  point_delta BIGINT NOT NULL,
 		  ratio_ppm BIGINT NOT NULL,
+		  share_base_type VARCHAR(32) NOT NULL DEFAULT 'unknown',
+		  share_base_amount BIGINT NOT NULL DEFAULT 0,
 		  policy_instance_code VARCHAR(96) NOT NULL DEFAULT '',
 		  created_at_ms BIGINT NOT NULL,
 		  PRIMARY KEY (app_code, transaction_id, agency_owner_user_id),
 		  KEY idx_agency_point_share_owner_time (app_code, agency_owner_user_id, created_at_ms),
 		  KEY idx_agency_point_share_host_time (app_code, host_user_id, created_at_ms)
 		) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='Agency POINT 礼物分成流水'`)
-	return err
+	if err != nil {
+		return err
+	}
+	// 存量库由旧版本创建表时没有公式基数字段；启动补列必须幂等，并在新代码接受送礼前完成，
+	// 否则账本已加钱而审计流水 INSERT 失败只能依赖事务回滚兜底。
+	if _, err := db.ExecContext(ctx, `ALTER TABLE agency_point_share_entries ADD COLUMN share_base_type VARCHAR(32) NOT NULL DEFAULT 'unknown' COMMENT '分成基数：unknown/charge_amount/host_income' AFTER ratio_ppm`); err != nil && !isDuplicateColumnError(err) {
+		return err
+	}
+	if _, err := db.ExecContext(ctx, `ALTER TABLE agency_point_share_entries ADD COLUMN share_base_amount BIGINT NOT NULL DEFAULT 0 COMMENT '本次分成计算基数；share_base_type=unknown 时数值不可解释' AFTER share_base_type`); err != nil && !isDuplicateColumnError(err) {
+		return err
+	}
+	return nil
 }
 
 // ensurePointWithdrawalCoinSellerSchema 创建跨 Fami/Huwaa/Lalu 共用、按 app_code 隔离的提现币商配置。
diff --git a/services/wallet-service/internal/testutil/mysqltest/mysqltest.go b/services/wallet-service/internal/testutil/mysqltest/mysqltest.go
index ad19d1c0..8de6ae58 100644
--- a/services/wallet-service/internal/testutil/mysqltest/mysqltest.go
+++ b/services/wallet-service/internal/testutil/mysqltest/mysqltest.go
@@ -459,6 +459,47 @@ func (r *Repository) SeedWalletPolicyInstanceWithAgency(appCode string, instance
 	r.SeedWalletPolicyInstanceWithRates(appCode, instanceCode, regionID, status, hostPointRatioPPM, agencyPointRatioPPM, 100000, 500)
 }
 
+// SeedWalletGiftRevenuePolicy 写入送礼收益公式快照，专门覆盖“主播先按礼物类型折算、Agency 再按主播收入分成”的政策。
+// 旧 SeedWalletPolicyInstance* helper 继续写空 rule_json，避免新增测试夹具悄悄改变历史用例的 charge_amount 结算语义。
+func (r *Repository) SeedWalletGiftRevenuePolicy(appCode string, instanceCode string, regionID int64, status string, hostPointRatioPPM int64, agencyPointRatioPPM int64, hostUseGiftTypeRatio bool, agencyShareBase string) {
+	r.t.Helper()
+
+	appCode = strings.TrimSpace(appCode)
+	instanceCode = strings.TrimSpace(instanceCode)
+	status = strings.TrimSpace(status)
+	agencyShareBase = strings.TrimSpace(agencyShareBase)
+	nowMs := time.Now().UnixMilli()
+	ruleJSON, err := json.Marshal(map[string]any{
+		"host": map[string]any{
+			"use_gift_type_ratio": hostUseGiftTypeRatio,
+		},
+		"agency": map[string]any{
+			"share_base": agencyShareBase,
+		},
+	})
+	if err != nil {
+		r.t.Fatalf("marshal wallet gift revenue policy failed: %v", err)
+	}
+	_, err = r.schema.DB.ExecContext(context.Background(), `
+		INSERT INTO wallet_policy_instances (
+			app_code, instance_code, template_code, template_version, region_id, status,
+			effective_from_ms, effective_to_ms, host_point_asset_type, host_point_ratio_ppm, agency_point_ratio_ppm,
+			points_per_usd, withdraw_fee_bps, rule_json, published_by_admin_id,
+			published_at_ms, created_at_ms, updated_at_ms
+		) VALUES (?, ?, ?, 'v1', ?, ?, 0, 0, 'POINT', ?, ?, 100000, 500, ?, 90001, ?, ?, ?)
+		ON DUPLICATE KEY UPDATE
+			status = VALUES(status),
+			host_point_ratio_ppm = VALUES(host_point_ratio_ppm),
+			agency_point_ratio_ppm = VALUES(agency_point_ratio_ppm),
+			rule_json = VALUES(rule_json),
+			published_at_ms = VALUES(published_at_ms),
+			updated_at_ms = VALUES(updated_at_ms)
+	`, appCode, instanceCode, instanceCode+"_template", regionID, status, hostPointRatioPPM, agencyPointRatioPPM, string(ruleJSON), nowMs, nowMs, nowMs)
+	if err != nil {
+		r.t.Fatalf("seed wallet gift revenue policy failed: %v", err)
+	}
+}
+
 // SeedWalletPolicyInstanceWithRates 让 POINT 提现和兑币测试都从同一份已发布政策读取分母。
 func (r *Repository) SeedWalletPolicyInstanceWithRates(appCode string, instanceCode string, regionID int64, status string, hostPointRatioPPM int64, agencyPointRatioPPM int64, pointsPerUSD int64, feeBPS int64) {
 	r.t.Helper()
@@ -651,18 +692,23 @@ func (r *Repository) SetGiftType(giftID string, giftTypeCode string) {
 
 // SetGiftDiamondRatio configures the gift diamond ratio for a room region and gift type.
 func (r *Repository) SetGiftDiamondRatio(regionID int64, giftTypeCode string, ratioPercent string) {
+	r.SetGiftDiamondRatioForApp("lalu", regionID, giftTypeCode, ratioPercent)
+}
+
+// SetGiftDiamondRatioForApp writes an app-isolated ratio so multi-tenant policy tests can prove the effective-region snapshot.
+func (r *Repository) SetGiftDiamondRatioForApp(appCode string, regionID int64, giftTypeCode string, ratioPercent string) {
 	r.t.Helper()
 	nowMs := time.Now().UnixMilli()
 	_, err := r.schema.DB.ExecContext(context.Background(), `
 		INSERT INTO gift_diamond_ratio_configs (
-		  region_id, gift_type_code, status, ratio_percent, coin_return_ratio_percent,
+		  app_code, region_id, gift_type_code, status, ratio_percent, coin_return_ratio_percent,
 		  created_by_admin_id, updated_by_admin_id, created_at_ms, updated_at_ms
-		) VALUES (?, ?, 'active', ?, ?, 0, 0, ?, ?)
+		) VALUES (?, ?, ?, 'active', ?, ?, 0, 0, ?, ?)
 		ON DUPLICATE KEY UPDATE
 		  status = VALUES(status),
 		  ratio_percent = VALUES(ratio_percent),
 		  updated_at_ms = VALUES(updated_at_ms)`,
-		regionID, giftTypeCode, ratioPercent, defaultGiftReturnCoinRatioPercent(giftTypeCode), nowMs, nowMs)
+		strings.TrimSpace(appCode), regionID, giftTypeCode, ratioPercent, defaultGiftReturnCoinRatioPercent(giftTypeCode), nowMs, nowMs)
 	if err != nil {
 		r.t.Fatalf("set gift diamond ratio failed: %v", err)
 	}