diff --git a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/runtime/service/TransferStartService.java b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/runtime/service/TransferStartService.java
index 640c0627d..71e980536 100644
--- a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/runtime/service/TransferStartService.java
+++ b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/runtime/service/TransferStartService.java
@@ -12,11 +12,13 @@ import cn.daxpay.open.payment.trade.transfer.entity.TransferTrade;
 import cn.daxpay.open.payment.trade.transfer.param.TransferParam;
 import cn.daxpay.open.payment.trade.transfer.runtime.mq.TransferSyncMessage;
 import cn.daxpay.open.platform.common.artemis.service.ArtemisTemplateService;
+import cn.daxpay.open.platform.common.i18n.util.I18nUtil;
 import cn.daxpay.open.platform.common.json.util.JacksonUtil;
 import cn.daxpay.open.platform.common.redis.lock.LockExecutor;
 import cn.daxpay.open.platform.core.code.CommonCode;
 import cn.daxpay.open.platform.core.code.CommonErrorCode;
 import cn.daxpay.open.platform.core.code.DaxPayErrorCode;
+import cn.daxpay.open.platform.core.exception.BizException;
 import cn.daxpay.open.platform.core.exception.BizInfoException;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
@@ -24,6 +26,7 @@ import org.springframework.context.annotation.Lazy;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
+import java.util.Locale;
 import java.util.Objects;
 import java.util.Optional;
 
@@ -131,11 +134,35 @@ public class TransferStartService {
         } catch (Exception e) {
             // 发起异常: 置 FAIL 并记录错误, 然后向上抛出, 避免接口返回"假成功"误导调用方
             log.error("转账发起失败: tradeNo={}, channel={}", trade.getTradeNo(), channel, e);
-            assistService.fail(channel, trade, e.getMessage());
-            throw new BizInfoException(DaxPayErrorCode.TRADE_FAIL, "pay.error.transfer.createFailed", e.getMessage());
+            // BizException.getMessage() 返回 messageKey(未解析), 需按固定中文解析为本地化文案再落库,
+            // 避免订单 errorMsg 存 key 字符串
+            String errorMsg = resolveErrorMsg(e);
+            assistService.fail(channel, trade, errorMsg);
+            // BizException 直接透传, 保留通道原始 messageKey(由 RestExceptionHandler 按请求 locale 解析),
+            // 避免外层"转账发起失败"与通道前缀叠加成双重前缀; 非 BizException(如网络异常)无 messageKey, 兜底包装
+            if (e instanceof BizException biz) {
+                throw biz;
+            }
+            throw new BizInfoException(DaxPayErrorCode.TRADE_FAIL, "pay.error.transfer.createFailed", errorMsg);
         }
     }
 
+    /// 解析异常为本地化错误消息
+    ///
+    /// [BizException] 的 getMessage() 返回 i18n messageKey(未经 I18nUtil 解析), 直接记录会导致订单 errorMsg
+    /// 存 key 字符串(如 "error.channel.alipay.transferFailed")。本方法按固定中文(Locale.CHINA)解析,
+    /// 与 [cn.daxpay.open.platform.system.handler.exception.RestExceptionHandler] 的日志行为一致,
+    /// 保证落库文案不随请求语言变化。非 BizException 的 getMessage() 已是真实文案, 直接使用。
+    private String resolveErrorMsg(Throwable e) {
+        if (e instanceof BizException biz) {
+            String key = biz.resolveMessageKey();
+            if (key != null) {
+                return I18nUtil.get(key, Locale.CHINA, biz.getArgs());
+            }
+        }
+        return e.getMessage();
+    }
+
     /// 注册 2 分钟延迟同步(发送失败由定时同步任务兜底)
     private void registerDelaySync(String tradeNo) {
         try {
diff --git a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/runtime/service/TransferSyncService.java b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/runtime/service/TransferSyncService.java
index 142c0c4be..79edff203 100644
--- a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/runtime/service/TransferSyncService.java
+++ b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/runtime/service/TransferSyncService.java
@@ -9,14 +9,17 @@ import cn.daxpay.open.payment.trade.record.entity.PaySyncRecord;
 import cn.daxpay.open.payment.trade.transfer.bo.TransferResultBo;
 import cn.daxpay.open.payment.trade.transfer.dao.TransferTradeManager;
 import cn.daxpay.open.payment.trade.transfer.entity.TransferTrade;
+import cn.daxpay.open.platform.common.i18n.util.I18nUtil;
 import cn.daxpay.open.platform.common.redis.lock.LockExecutor;
 import cn.daxpay.open.platform.core.code.CommonCode;
 import cn.daxpay.open.platform.core.enums.pay.trade.TradeTypeEnum;
+import cn.daxpay.open.platform.core.exception.BizException;
 import cn.daxpay.open.platform.core.exception.BizInfoException;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.springframework.stereotype.Service;
 
+import java.util.Locale;
 import java.util.Objects;
 
 /// # 转账同步服务
@@ -76,7 +79,7 @@ public class TransferSyncService {
             } catch (Exception e) {
                 // 通道查单失败: 保持处理中, 落同步记录, 由定时任务兜底重试
                 log.warn("转账同步查单失败: tradeNo={}, 保持处理中", latestTrade.getTradeNo(), e);
-                this.saveSyncRecord(channel, latestTrade, null, false, e.getMessage());
+                this.saveSyncRecord(channel, latestTrade, null, false, resolveErrorMsg(e));
                 return;
             }
             // 按通道结果调整状态
@@ -110,4 +113,19 @@ public class TransferSyncService {
         record.setMchNo(trade.getMchNo());
         paySyncRecordManager.save(record);
     }
+
+    /// 解析异常为本地化错误消息
+    ///
+    /// [BizException] 的 getMessage() 返回 i18n messageKey(未经 I18nUtil 解析), 直接记录会导致同步记录
+    /// errorMsg 存 key 字符串。本方法按固定中文(Locale.CHINA)解析, 保证落库文案不随请求语言变化。
+    /// 非 BizException 的 getMessage() 已是真实文案, 直接使用。
+    private String resolveErrorMsg(Throwable e) {
+        if (e instanceof BizException biz) {
+            String key = biz.resolveMessageKey();
+            if (key != null) {
+                return I18nUtil.get(key, Locale.CHINA, biz.getArgs());
+            }
+        }
+        return e.getMessage();
+    }
 }