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 7819594a..198eaff4 100644
--- a/services/wallet-service/internal/service/wallet/external_recharge_receipt.go
+++ b/services/wallet-service/internal/service/wallet/external_recharge_receipt.go
@@ -342,8 +342,10 @@ func (s *Service) verifyUSDTRechargeReceipt(ctx context.Context, command ledger.
 	snapshot.ProviderAmountMinor = command.USDMinorAmount
 	snapshot.ProviderOrderID = command.ExternalOrderNo
 	snapshot.ReceiveAddress = strings.TrimSpace(receiveAddress)
-	if chain == "trc20" && !isLikelyChainTransactionHash(command.ExternalOrderNo) {
-		return s.verifyBinanceTRXDepositReceipt(ctx, command, snapshot)
+	if !isLikelyChainTransactionHash(command.ExternalOrderNo) {
+		// Binance Pay C2C 订单号不属于某条公链；后台选择 TRC20 或 BEP20 只表示运营记录的支付币种。
+		// 因此所有非链上哈希都必须先走 Binance 账户入账事实，不能把 BEP20 的 C2C 订单号误送给 BSC 链上客户端。
+		return s.verifyBinanceTransferReceipt(ctx, command, snapshot, binanceNetworkForReceiptChain(chain))
 	}
 	if client == nil {
 		return ledger.CoinSellerRechargeReceiptVerification{}, xerr.New(xerr.Unavailable, "usdt "+chain+" client is not configured")
@@ -360,7 +362,7 @@ func (s *Service) verifyUSDTRechargeReceipt(ctx context.Context, command ledger.
 	return snapshot, nil
 }
 
-func (s *Service) verifyBinanceTRXDepositReceipt(ctx context.Context, command ledger.VerifyCoinSellerRechargeReceiptCommand, snapshot ledger.CoinSellerRechargeReceiptVerification) (ledger.CoinSellerRechargeReceiptVerification, error) {
+func (s *Service) verifyBinanceTransferReceipt(ctx context.Context, command ledger.VerifyCoinSellerRechargeReceiptCommand, snapshot ledger.CoinSellerRechargeReceiptVerification, network string) (ledger.CoinSellerRechargeReceiptVerification, error) {
 	if s.binance == nil {
 		return ledger.CoinSellerRechargeReceiptVerification{}, xerr.New(xerr.Unavailable, "binance client is not configured")
 	}
@@ -370,7 +372,7 @@ func (s *Service) verifyBinanceTRXDepositReceipt(ctx context.Context, command le
 		AppCode:     command.AppCode,
 		ExternalID:  command.ExternalOrderNo,
 		Coin:        ledger.PaidCurrencyUSDT,
-		Network:     "TRX",
+		Network:     network,
 		ToAddress:   snapshot.ReceiveAddress,
 		AmountMinor: command.USDMinorAmount,
 		OrderTimeMS: command.OrderDateMS,
@@ -392,6 +394,17 @@ func (s *Service) verifyBinanceTRXDepositReceipt(ctx context.Context, command le
 	return snapshot, nil
 }
 
+func binanceNetworkForReceiptChain(chain string) string {
+	// Binance Deposit History 使用交易所网络代码而不是后台 provider 名称；Pay C2C 不校验网络，
+	// 但同一个入口也支持 off-chain Deposit History，因此这里必须保留准确映射。
+	switch strings.ToLower(strings.TrimSpace(chain)) {
+	case "bep20":
+		return "BSC"
+	default:
+		return "TRX"
+	}
+}
+
 func (s *Service) receiptSnapshot(command ledger.VerifyCoinSellerRechargeReceiptCommand) ledger.CoinSellerRechargeReceiptVerification {
 	return ledger.CoinSellerRechargeReceiptVerification{
 		ProviderCode:    command.ProviderCode,
diff --git a/services/wallet-service/internal/service/wallet/external_recharge_receipt_test.go b/services/wallet-service/internal/service/wallet/external_recharge_receipt_test.go
index 1bb4c601..27836330 100644
--- a/services/wallet-service/internal/service/wallet/external_recharge_receipt_test.go
+++ b/services/wallet-service/internal/service/wallet/external_recharge_receipt_test.go
@@ -467,10 +467,11 @@ func TestVerifyCoinSellerRechargeReceiptUSDTBEP20UsesReadOnlyClient(t *testing.T
 		USDTBEP20Enabled: true,
 		USDTBEP20Address: "0xPlatformBEP20ReceiveAddress",
 	})
+	txHash := "0x0123456789abcdef0123456789abcdef0123456789abcdef0123456789abcdef"
 	receipt, err := svc.VerifyCoinSellerRechargeReceipt(context.Background(), ledger.VerifyCoinSellerRechargeReceiptCommand{
 		AppCode:         "lalu",
 		ProviderCode:    ledger.PaymentProviderUSDTBEP20,
-		ExternalOrderNo: "0xreceiptbep20",
+		ExternalOrderNo: txHash,
 		USDMinorAmount:  150,
 	})
 	if err != nil {
@@ -479,7 +480,7 @@ func TestVerifyCoinSellerRechargeReceiptUSDTBEP20UsesReadOnlyClient(t *testing.T
 	if !receipt.Verified || receipt.Status != "confirmed" || receipt.Chain != "bep20" || receipt.ProviderAmountMinor != 150 || receipt.ReceiveAddress != "0xPlatformBEP20ReceiveAddress" {
 		t.Fatalf("bep20 receipt snapshot mismatch: %+v", receipt)
 	}
-	if bsc.lastTxHash != "0xreceiptbep20" || bsc.lastToAddress != "0xPlatformBEP20ReceiveAddress" || bsc.lastAmountMinor != 150 {
+	if bsc.lastTxHash != txHash || bsc.lastToAddress != "0xPlatformBEP20ReceiveAddress" || bsc.lastAmountMinor != 150 {
 		t.Fatalf("bep20 client request mismatch: %+v", bsc)
 	}
 }
@@ -611,6 +612,51 @@ func TestVerifyCoinSellerRechargeReceiptUSDTTRC20PayKeepsConfiguredAddress(t *te
 	}
 }
 
+func TestVerifyCoinSellerRechargeReceiptUSDTBEP20PayUsesBinance(t *testing.T) {
+	bsc := &fakeTronUSDTClient{err: xerr.New(xerr.Internal, "bsc chain client should not be called")}
+	binance := &fakeBinanceClient{record: walletservice.BinanceTransferRecord{
+		Source:      "pay_history",
+		ID:          "440537037787594752",
+		TxID:        "P_C2C_BEP20_RECEIPT",
+		Coin:        ledger.PaidCurrencyUSDT,
+		Status:      1,
+		Amount:      "200.00000000",
+		AmountMinor: 20000,
+		RawJSON:     `{"orderType":"C2C","orderId":"440537037787594752","amount":"200.00000000","currency":"USDT"}`,
+	}}
+	svc := walletservice.New(nil)
+	svc.SetBSCUSDTClient(bsc)
+	svc.SetBinanceClient(binance)
+	svc.SetExternalRechargeConfig(walletservice.ExternalRechargeConfig{
+		USDTBEP20Enabled: true,
+		USDTBEP20Addresses: map[string]string{
+			"yumi": "0xYumiConfiguredBSCAddress",
+		},
+	})
+	receipt, err := svc.VerifyCoinSellerRechargeReceipt(context.Background(), ledger.VerifyCoinSellerRechargeReceiptCommand{
+		AppCode:         "yumi",
+		ProviderCode:    ledger.PaymentProviderUSDTBEP20,
+		ExternalOrderNo: "440537037787594752",
+		USDMinorAmount:  20000,
+		OrderDateMS:     1784017140000,
+	})
+	if err != nil {
+		t.Fatalf("VerifyCoinSellerRechargeReceipt BEP20 Pay C2C failed: %v", err)
+	}
+	if !receipt.Verified || receipt.Status != "confirmed" || receipt.ProviderOrderID != "P_C2C_BEP20_RECEIPT" || receipt.ProviderAmountMinor != 20000 {
+		t.Fatalf("BEP20 Pay C2C receipt snapshot mismatch: %+v", receipt)
+	}
+	if receipt.ReceiveAddress != "0xYumiConfiguredBSCAddress" {
+		t.Fatalf("BEP20 Pay C2C must keep configured chain address: %+v", receipt)
+	}
+	if binance.calls != 1 || binance.req.Network != "BSC" || binance.req.ExternalID != "440537037787594752" || binance.req.AmountMinor != 20000 {
+		t.Fatalf("BEP20 Pay C2C must use Binance transfer lookup: calls=%d req=%+v", binance.calls, binance.req)
+	}
+	if bsc.lastTxHash != "" {
+		t.Fatalf("BEP20 Pay C2C order id must not call BSC chain client: %+v", bsc)
+	}
+}
+
 func TestVerifyCoinSellerRechargeReceiptUSDTTRC20OffchainMissingBinanceAccount(t *testing.T) {
 	binance := &fakeBinanceClient{err: xerr.New(xerr.Unavailable, "binance account is not configured")}
 	svc := walletservice.New(nil)