diff --git a/.gitignore b/.gitignore
index 02c4fd0c4..5cb34f58c 100644
--- a/.gitignore
+++ b/.gitignore
@@ -18,3 +18,6 @@ rebel.xml
 .trae
 
 nul
+
+# Artemis 嵌入式 broker 运行时持久化目录（journal/分页/绑定）
+data/
diff --git a/daxpay-platform/daxpay-platform-common/common-artemis/pom.xml b/daxpay-platform/daxpay-platform-common/common-artemis/pom.xml
index 4fca02419..a9f74525b 100644
--- a/daxpay-platform/daxpay-platform-common/common-artemis/pom.xml
+++ b/daxpay-platform/daxpay-platform-common/common-artemis/pom.xml
@@ -24,6 +24,13 @@
             <groupId>org.messaginghub</groupId>
             <artifactId>pooled-jms</artifactId>
         </dependency>
+        <!-- 嵌入式 Artemis server（提供 EmbeddedActiveMQ + Configuration）
+             常驻 fat jar，使 spring.artemis.mode=embedded 可用；mode=native 时本依赖不被装配路径触发。
+             版本由 Spring Boot BOM 管理。 -->
+        <dependency>
+            <groupId>org.apache.activemq</groupId>
+            <artifactId>artemis-jms-server</artifactId>
+        </dependency>
         <!-- JSON 序列化 -->
         <dependency>
             <groupId>cn.daxpay.open</groupId>
diff --git a/daxpay-start/src/main/resources/application-dev.yml b/daxpay-start/src/main/resources/application-dev.yml
index 578613a90..cce2fdee1 100644
--- a/daxpay-start/src/main/resources/application-dev.yml
+++ b/daxpay-start/src/main/resources/application-dev.yml
@@ -34,21 +34,23 @@ spring:
       lettuce:
         pool:
           max-wait: 1000ms
-  # Artemis 消息队列配置（独立容器部署，JMS 协议）
-  # 本地开发启动 broker：
+  # Artemis 消息队列（双模式：native=外置容器 / embedded=内嵌 JVM）
+  # 本地开发默认 embedded：无需启动独立 artemis 容器，broker 内嵌后端 JVM
+  # 如需连外部 broker（联调 docker artemis）：设环境变量
+  #   ARTEMIS_MODE=native + ARTEMIS_BROKER_URL/USER/PASSWORD
   artemis:
-    # 连接模式：native 表示连接外部独立 broker（非嵌入式）
-    mode: native
-    # Broker 连接地址
-    broker-url: tcp://192.168.1.229:61616
-    # broker 账号（与容器启动环境变量一致）
-    user: admin
-    password: admin
-    # 连接池
+    mode: ${ARTEMIS_MODE:embedded}
+    broker-url: ${ARTEMIS_BROKER_URL:tcp://192.168.1.229:61616}
+    user: ${ARTEMIS_USER:admin}
+    password: ${ARTEMIS_PASSWORD:admin}
     pool:
       enabled: true
       max-connections: 10
       idle-timeout: 30s
+    embedded:
+      enabled: true
+      persistent: true
+      data-directory: ${ARTEMIS_DATA_DIR:./data/artemis}
   jms:
     # 会话缓存，提升发送性能
     cache:
diff --git a/daxpay-start/src/main/resources/application-prod.yml b/daxpay-start/src/main/resources/application-prod.yml
index 5d0a9ef51..c8c4c7e97 100644
--- a/daxpay-start/src/main/resources/application-prod.yml
+++ b/daxpay-start/src/main/resources/application-prod.yml
@@ -40,16 +40,25 @@ spring:
       lettuce:
         pool:
           max-wait: 1000ms
-  # Artemis 消息队列(凭证环境变量注入)
+  # Artemis 消息队列（双模式：native=外置容器 / embedded=内嵌 JVM）
+  # 切换：环境变量 ARTEMIS_MODE=native|embedded（默认 native），无需改代码、不重打包
+  # - native：连接独立 artemis 容器（标准部署），需 ARTEMIS_USER/PASSWORD（installer 注入）
+  # - embedded：broker 内嵌后端 JVM（内存紧张场景省独立 JVM），无需凭证，journal 落 ARTEMIS_DATA_DIR
   artemis:
-    mode: native
+    mode: ${ARTEMIS_MODE:native}
     broker-url: ${ARTEMIS_BROKER_URL:tcp://artemis:61616}
-    user: ${ARTEMIS_USER:?missing ARTEMIS_USER}
-    password: ${ARTEMIS_PASSWORD:?missing ARTEMIS_PASSWORD}
+    # 凭证空串兜底：embedded 模式不传也不报错；native 模式由 installer 注入真实值
+    user: ${ARTEMIS_USER:}
+    password: ${ARTEMIS_PASSWORD:}
     pool:
       enabled: true
       max-connections: 20
       idle-timeout: 30s
+    embedded:
+      enabled: true
+      # 持久化：支付超时 / 通知消息重启不丢（journal 落盘）
+      persistent: true
+      data-directory: ${ARTEMIS_DATA_DIR:./data/artemis}
   jms:
     cache:
       enabled: true