diff --git a/services/wallet-service/internal/client/binance/client.go b/services/wallet-service/internal/client/binance/client.go
index 79dd6d9c..df578f09 100644
--- a/services/wallet-service/internal/client/binance/client.go
+++ b/services/wallet-service/internal/client/binance/client.go
@@ -89,13 +89,15 @@ func (c *Client) FindUSDTTransfer(ctx context.Context, req ports.BinanceTransfer
 		return ports.BinanceTransferRecord{}, err
 	}
 	if req.Network == "C2C" {
-		// C2C/P2P 与 Binance Pay 是两套独立账单；显式 C2C 只查法币交易历史，禁止再回退到 Pay 或链上入金。
-		startTimeMS, endTimeMS := payHistoryRange(req.OrderTimeMS, serverTimeMS)
-		records, err := c.c2cHistory(ctx, account, startTimeMS, endTimeMS, serverTimeMS)
+		// 后台的 C2C 对应 Binance Pay 账单中的 orderType=C2C，而不是法币 P2P Trade History。
+		// 显式 C2C 只查 Pay，且允许收款币种为 USDT 或 USDC；不能再回退到链上或 P2P 历史。
+		// 运营录单时间可能是补单操作时间而非 Binance 成交时间；显式订单号查验使用有界 90 天窗口，避免错误窄窗漏单。
+		startTimeMS, endTimeMS := maxInt64(0, serverTimeMS-int64(defaultPayLookback/time.Millisecond)), serverTimeMS
+		records, err := c.payHistory(ctx, account, startTimeMS, endTimeMS, serverTimeMS)
 		if err != nil {
 			return ports.BinanceTransferRecord{}, err
 		}
-		return matchC2CRecord(req, records)
+		return matchExplicitC2CPayRecord(req, records)
 	}
 	// Binance 的 deposit history 查询窗口有限；后台凭证校验只做近期有界查询，避免一次手工校验变成无界扫描。
 	records, err := c.depositHistory(ctx, account, req.Coin, serverTimeMS-int64(defaultDepositLookback/time.Millisecond), serverTimeMS)
@@ -118,6 +120,32 @@ func (c *Client) FindUSDTTransfer(ctx context.Context, req ports.BinanceTransfer
 	return matchPayRecord(req, payRecords)
 }
 
+func matchExplicitC2CPayRecord(req ports.BinanceTransferLookupRequest, records []payRecord) (ports.BinanceTransferRecord, error) {
+	for _, record := range records {
+		if !payExternalIDMatches(record, req.ExternalID) {
+			continue
+		}
+		if record.OrderType != "C2C" {
+			return ports.BinanceTransferRecord{}, xerr.New(xerr.Conflict, "binance pay order type is not c2c")
+		}
+		if record.Currency != "USDT" && record.Currency != "USDC" {
+			return ports.BinanceTransferRecord{}, xerr.New(xerr.Conflict, "binance pay c2c currency is not supported")
+		}
+		if strings.HasPrefix(strings.TrimSpace(record.Amount), "-") {
+			return ports.BinanceTransferRecord{}, xerr.New(xerr.Conflict, "binance pay transfer is not income")
+		}
+		amountMinor, err := parseUSDTAmountMinor(record.Amount)
+		if err != nil {
+			return ports.BinanceTransferRecord{}, err
+		}
+		if amountMinor <= 0 || amountMinor != req.AmountMinor {
+			return ports.BinanceTransferRecord{}, xerr.New(xerr.Conflict, "binance pay amount mismatch")
+		}
+		return ports.BinanceTransferRecord{Source: "pay_history", ID: record.OrderID, TxID: firstNonEmpty(record.TransactionID, record.OrderID), Coin: record.Currency, Status: 1, Amount: record.Amount, AmountMinor: amountMinor, InsertTimeMS: record.TransactionTimeMS, CompleteTimeMS: record.TransactionTimeMS, WalletType: record.WalletType, RawJSON: strings.TrimSpace(record.RawJSON)}, nil
+	}
+	return ports.BinanceTransferRecord{}, xerr.New(xerr.NotFound, "binance pay c2c transfer not found")
+}
+
 // c2cHistory 查询当前 API Key 账户作为买方完成的 C2C 订单；BUY 表示账户收到 asset，SELL 则是付出 asset。
 func (c *Client) c2cHistory(ctx context.Context, account account, startTimeMS int64, endTimeMS int64, serverTimeMS int64) ([]c2cRecord, error) {
 	query := url.Values{}
diff --git a/services/wallet-service/internal/client/binance/client_test.go b/services/wallet-service/internal/client/binance/client_test.go
index 868ffd34..5570422c 100644
--- a/services/wallet-service/internal/client/binance/client_test.go
+++ b/services/wallet-service/internal/client/binance/client_test.go
@@ -209,14 +209,14 @@ func TestFindUSDTTransferFallsBackToIncomingPayC2C(t *testing.T) {
 	}
 }
 
-func TestFindUSDTTransferC2CUsesFiatTradeHistoryOnly(t *testing.T) {
+func TestFindUSDTTransferC2CUsesPayAndAcceptsUSDC(t *testing.T) {
 	const orderID = "440537037787594752"
 	var sawC2C bool
 	server := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
 		switch r.URL.Path {
 		case "/api/v3/time":
 			_, _ = w.Write([]byte(`{"serverTime":1784018000000}`))
-		case "/sapi/v1/c2c/orderMatch/listUserOrderHistory":
+		case "/sapi/v1/pay/transactions":
 			sawC2C = true
 			values := r.URL.Query()
 			signature := values.Get("signature")
@@ -224,10 +224,10 @@ func TestFindUSDTTransferC2CUsesFiatTradeHistoryOnly(t *testing.T) {
 			if signature != signQueryString(values.Encode(), "secret-lalu") {
 				t.Fatalf("C2C signature mismatch: %s", values.Encode())
 			}
-			if values.Get("tradeType") != "BUY" || values.Get("page") != "1" || values.Get("rows") != "100" {
+			if values.Get("limit") != "100" {
 				t.Fatalf("C2C query mismatch: %s", values.Encode())
 			}
-			_, _ = w.Write([]byte(`{"code":"000000","success":true,"data":[{"orderNumber":"440537037787594752","tradeType":"BUY","asset":"USDT","amount":"200.00000000","orderStatus":"COMPLETED","createTime":1784017560000}]}`))
+			_, _ = w.Write([]byte(`{"code":"000000","success":true,"data":[{"orderType":"C2C","orderId":"440537037787594752","transactionId":"P_A22V8RE4HQS71114","transactionTime":1782977844437,"amount":"200","currency":"USDC","walletType":1}]}`))
 		default:
 			t.Fatalf("C2C lookup must not call another history endpoint: %s", r.URL.Path)
 		}
@@ -238,7 +238,7 @@ func TestFindUSDTTransferC2CUsesFiatTradeHistoryOnly(t *testing.T) {
 	if err != nil {
 		t.Fatalf("C2C lookup failed: %v", err)
 	}
-	if !sawC2C || record.Source != "c2c_history" || record.ID != orderID || record.AmountMinor != 20000 {
+	if !sawC2C || record.Source != "pay_history" || record.ID != orderID || record.Coin != "USDC" || record.AmountMinor != 20000 {
 		t.Fatalf("C2C record mismatch: %+v", record)
 	}
 }
diff --git a/services/wallet-service/internal/service/wallet/external_recharge_receipt.go b/services/wallet-service/internal/service/wallet/external_recharge_receipt.go
index ada294b5..4db689d5 100644
--- a/services/wallet-service/internal/service/wallet/external_recharge_receipt.go
+++ b/services/wallet-service/internal/service/wallet/external_recharge_receipt.go
@@ -392,6 +392,10 @@ func (s *Service) verifyBinanceTransferReceipt(ctx context.Context, command ledg
 	snapshot.Status = "confirmed"
 	snapshot.ProviderOrderID = record.TxID
 	snapshot.ProviderAmountMinor = record.AmountMinor
+	if snapshot.Chain == "c2c" && strings.TrimSpace(record.Coin) != "" {
+		// C2C Pay 实际收款可能是 USDT 或 USDC；凭证必须保存 Binance 返回币种，不能继续伪装成表单默认 USDT。
+		snapshot.CurrencyCode = strings.ToUpper(strings.TrimSpace(record.Coin))
+	}
 	// Pay C2C 没有链上收款地址；只有 Deposit History 命中时才用 Binance 返回地址覆盖配置快照。
 	if snapshot.Chain != "c2c" && strings.TrimSpace(record.Address) != "" {
 		snapshot.ReceiveAddress = record.Address