diff --git a/daxpay-channel/daxpay-channel-adapay/src/main/java/cn/daxpay/open/channel/adapay/strategy/AdapayDirectPayStrategy.java b/daxpay-channel/daxpay-channel-adapay/src/main/java/cn/daxpay/open/channel/adapay/strategy/AdapayDirectPayStrategy.java
index 5c837ab1a..6da92753c 100644
--- a/daxpay-channel/daxpay-channel-adapay/src/main/java/cn/daxpay/open/channel/adapay/strategy/AdapayDirectPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-adapay/src/main/java/cn/daxpay/open/channel/adapay/strategy/AdapayDirectPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # Adapay 直连支付策略
 ///
 /// Adapay 支付(ProductEnum.ADA_PAY)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [AdapayDirectConfigAssembler]),
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [AdapayDirectConfigAssembler]),
 /// 支付执行委托给 [AdapayPayService]。
 @Slf4j
 @Service
diff --git a/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/dao/direct/AlipayDirectAppManager.java b/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/dao/direct/AlipayDirectAppManager.java
index b5c2fbf55..bdc0cf950 100644
--- a/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/dao/direct/AlipayDirectAppManager.java
+++ b/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/dao/direct/AlipayDirectAppManager.java
@@ -2,6 +2,7 @@ package cn.daxpay.open.channel.alipay.dao.direct;
 
 import cn.daxpay.open.platform.common.mybatisplus.impl.BaseManager;
 import cn.daxpay.open.channel.alipay.entity.direct.AlipayDirectApp;
+import cn.daxpay.open.platform.core.annotation.IgnoreTenant;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.springframework.stereotype.Service;
@@ -11,7 +12,9 @@ import java.util.Optional;
 
 /// # 支付宝直连商户应用
 ///
-/// 直连商户应用数据访问管理器，提供按商户号和通道商户号查询列表、同一通道下应用ID唯一性校验等方法。
+/// - 配置态 CRUD: [#listByMchNoAndChannelMchNo]、[#existsByChannelMchNoAndAliAppId]、[#findFirstByMchNo]
+/// - 支付/回调（已装载 mchNo）: 租户内 [#findFirstByChannelMchNo]、[#findFirstByChannelMchNoAndAppType]
+/// - 认证引导: 方法名带 NotTenant
 ///
 @Slf4j
 @Service
@@ -46,7 +49,7 @@ public class AlipayDirectAppManager extends BaseManager<AlipayDirectAppMapper, A
                 .orderByAsc(AlipayDirectApp::getId));
     }
 
-    /// 根据通道商户号与应用类型查询首个应用(appType自动推导时使用, 按创建时间升序取第一条)
+    /// 根据通道商户号与应用类型查询首个应用（支付/回调，租户内）
     public Optional<AlipayDirectApp> findFirstByChannelMchNoAndAppType(String channelMchNo, String appType) {
         return firstOpt(q -> q
                 .eq(AlipayDirectApp::getChannelMchNo, channelMchNo)
@@ -55,11 +58,24 @@ public class AlipayDirectAppManager extends BaseManager<AlipayDirectAppMapper, A
                 .orderByAsc(AlipayDirectApp::getId));
     }
 
-    /// 根据通道商户号查询首个应用(兜底回退使用, 按创建时间升序取第一条)
+    /// 根据通道商户号查询首个应用（支付/回调，租户内）
     public Optional<AlipayDirectApp> findFirstByChannelMchNo(String channelMchNo) {
         return firstOpt(q -> q
                 .eq(AlipayDirectApp::getChannelMchNo, channelMchNo)
                 .orderByAsc(AlipayDirectApp::getCreateTime)
                 .orderByAsc(AlipayDirectApp::getId));
     }
+
+    /// 根据通道商户号与应用类型查询首个应用（认证引导，忽略租户）
+    @IgnoreTenant
+    public Optional<AlipayDirectApp> findFirstByChannelMchNoAndAppTypeNotTenant(String channelMchNo, String appType) {
+        return findFirstByChannelMchNoAndAppType(channelMchNo, appType);
+    }
+
+    /// 根据通道商户号查询首个应用（认证引导，忽略租户）
+    @IgnoreTenant
+    public Optional<AlipayDirectApp> findFirstByChannelMchNoNotTenant(String channelMchNo) {
+        return findFirstByChannelMchNo(channelMchNo);
+    }
+
 }
diff --git a/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/service/direct/AlipayDirectAppCapabilityService.java b/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/service/direct/AlipayDirectAppCapabilityService.java
index c4b172800..2c76e6ae4 100644
--- a/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/service/direct/AlipayDirectAppCapabilityService.java
+++ b/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/service/direct/AlipayDirectAppCapabilityService.java
@@ -15,6 +15,7 @@ import cn.daxpay.open.platform.core.code.CommonErrorCode;
 import cn.daxpay.open.platform.core.enums.pay.channel.PayCapabilityEnum;
 import cn.daxpay.open.platform.core.enums.pay.channel.ProductEnum;
 import cn.daxpay.open.platform.core.exception.BizInfoException;
+import cn.daxpay.open.platform.core.annotation.IgnoreTenant;
 import cn.daxpay.open.payment.core.strategy.PaymentStrategyFactory;
 import cn.daxpay.open.payment.core.strategy.product.AbsProductStrategy;
 import cn.hutool.core.collection.CollUtil;
@@ -34,7 +35,7 @@ import java.util.stream.Collectors;
 /// # 支付宝直连商户应用支付能力关联
 ///
 /// 管理通道商户维度下「支付能力 → 应用」的绑定关系。
-/// 支付时通过 [resolveApp] 解析当前能力对应的应用：显式配置 > appType自动推导。
+/// 支付时通过 [#resolveApp] 解析当前能力对应的应用：显式配置 > appType自动推导。
 ///
 @Slf4j
 @Service
@@ -102,7 +103,9 @@ public class AlipayDirectAppCapabilityService {
         capabilityManager.deleteByAlipayDirectAppId(alipayDirectAppId);
     }
 
-    /// 支付时解析当前支付能力对应的应用：显式配置 > appType自动推导
+    /// 支付/回调解析应用：显式配置 > appType 自动推导（须已装载 mchNo，租户内）
+    ///
+    /// 认证无上下文请用 [#resolveAppNotTenant]。
     ///
     /// @param channelMchNo 通道商户号
     /// @param capability    支付能力编码
@@ -124,6 +127,12 @@ public class AlipayDirectAppCapabilityService {
         return Optional.empty();
     }
 
+    /// 认证等无租户上下文时解析应用（忽略租户）
+    @IgnoreTenant
+    public Optional<AlipayDirectApp> resolveAppNotTenant(String channelMchNo, String capability) {
+        return resolveApp(channelMchNo, capability);
+    }
+
     /// 查询支付宝直连产品支持的支付能力候选列表(含国际化名称)
     public List<AlipayDirectCapabilityOption> listSupportedCapabilities() {
         AbsProductStrategy strategy = PaymentStrategyFactory.createByProduct(
diff --git a/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/strategy/direct/AlipayDirectPayStrategy.java b/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/strategy/direct/AlipayDirectPayStrategy.java
index c94670536..69bb3ae13 100644
--- a/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/strategy/direct/AlipayDirectPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/strategy/direct/AlipayDirectPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # 支付宝直连支付策略
 ///
 /// 支付宝直连模式(ProductEnum.ALIPAY)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [AlipayDirectConfigAssembler]), 支付执行委托给 [AlipayPayService]。
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [AlipayDirectConfigAssembler]), 支付执行委托给 [AlipayPayService]。
 ///
 @Slf4j
 @Service
diff --git a/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/strategy/isv/AlipayIsvPayStrategy.java b/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/strategy/isv/AlipayIsvPayStrategy.java
index a18e89f6d..5590dcd22 100644
--- a/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/strategy/isv/AlipayIsvPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-alipay/src/main/java/cn/daxpay/open/channel/alipay/strategy/isv/AlipayIsvPayStrategy.java
@@ -14,7 +14,7 @@ import org.springframework.stereotype.Service;
 /// # 支付宝服务商支付策略
 ///
 /// 支付宝服务商模式(ProductEnum.ALIPAY_ISV)下发起支付的具体执行策略。
-/// 配置组装(含应用授权令牌)在 [doBeforePay] 阶段完成(委托 [AlipayIsvConfigAssembler]), 支付执行委托给 [AlipayPayService]。
+/// 配置组装(含应用授权令牌)在 [#doBeforePay] 阶段完成(委托 [AlipayIsvConfigAssembler]), 支付执行委托给 [AlipayPayService]。
 @Slf4j
 @Service
 @RequiredArgsConstructor
diff --git a/daxpay-channel/daxpay-channel-dougong/src/main/java/cn/daxpay/open/channel/dougong/strategy/DougongPayStrategy.java b/daxpay-channel/daxpay-channel-dougong/src/main/java/cn/daxpay/open/channel/dougong/strategy/DougongPayStrategy.java
index 1b44c82e1..0617a22c6 100644
--- a/daxpay-channel/daxpay-channel-dougong/src/main/java/cn/daxpay/open/channel/dougong/strategy/DougongPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-dougong/src/main/java/cn/daxpay/open/channel/dougong/strategy/DougongPayStrategy.java
@@ -14,7 +14,7 @@ import org.springframework.stereotype.Service;
 
 /// # 斗拱服务商支付策略
 ///
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [DougongIsvConfigAssembler]),
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [DougongIsvConfigAssembler]),
 /// 支付执行委托给 [DougongPayService]。
 ///
 /// 斗拱为聚合服务商模式, 仅有一个产品 DOUGONG_PAY(覆盖微信/支付宝/银联)。
diff --git a/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/dao/direct/DouyinDirectAppManager.java b/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/dao/direct/DouyinDirectAppManager.java
index 1be2973e7..00ab7c52c 100644
--- a/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/dao/direct/DouyinDirectAppManager.java
+++ b/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/dao/direct/DouyinDirectAppManager.java
@@ -2,6 +2,7 @@ package cn.daxpay.open.channel.douyin.dao.direct;
 
 import cn.daxpay.open.channel.douyin.entity.direct.DouyinDirectApp;
 import cn.daxpay.open.platform.common.mybatisplus.impl.BaseManager;
+import cn.daxpay.open.platform.core.annotation.IgnoreTenant;
 import org.springframework.stereotype.Repository;
 
 import java.util.List;
@@ -9,7 +10,9 @@ import java.util.Optional;
 
 /// # 抖音直连商户应用
 ///
-/// 直连商户应用数据访问管理器，提供按商户号和通道商户号查询列表、同一通道下应用ID唯一性校验等方法。
+/// - 配置态 CRUD: [#listByMchNoAndChannelMchNo]、[#existsByChannelMchNoAndDouyinAppId]
+/// - 支付/回调（已装载 mchNo）: 租户内 [#findFirstByChannelMchNo]、[#findFirstByChannelMchNoAndAppType]
+/// - 认证引导: 方法名带 NotTenant
 ///
 @Repository
 public class DouyinDirectAppManager extends BaseManager<DouyinDirectAppMapper, DouyinDirectApp> {
@@ -34,20 +37,37 @@ public class DouyinDirectAppManager extends BaseManager<DouyinDirectAppMapper, D
                 .exists();
     }
 
-    /// 按通道商户号查询首个应用（能力解析兜底时使用）
+    /// 根据通道商户号取首个应用（支付/回调，租户内）
     public Optional<DouyinDirectApp> findFirstByChannelMchNo(String channelMchNo) {
-        return firstOpt(q -> q
+        return lambdaQuery()
                 .eq(DouyinDirectApp::getChannelMchNo, channelMchNo)
                 .orderByAsc(DouyinDirectApp::getCreateTime)
-                .orderByAsc(DouyinDirectApp::getId));
+                .orderByAsc(DouyinDirectApp::getId)
+                .last("limit 1")
+                .oneOpt();
     }
 
-    /// 按通道商户号与应用类型查询首个应用（appType自动推导时使用）
+    /// 根据通道商户号与应用类型取首个应用（支付/回调，租户内）
     public Optional<DouyinDirectApp> findFirstByChannelMchNoAndAppType(String channelMchNo, String appType) {
-        return firstOpt(q -> q
+        return lambdaQuery()
                 .eq(DouyinDirectApp::getChannelMchNo, channelMchNo)
                 .eq(DouyinDirectApp::getAppType, appType)
                 .orderByAsc(DouyinDirectApp::getCreateTime)
-                .orderByAsc(DouyinDirectApp::getId));
+                .orderByAsc(DouyinDirectApp::getId)
+                .last("limit 1")
+                .oneOpt();
     }
+
+    /// 根据通道商户号取首个应用（认证引导，忽略租户）
+    @IgnoreTenant
+    public Optional<DouyinDirectApp> findFirstByChannelMchNoNotTenant(String channelMchNo) {
+        return findFirstByChannelMchNo(channelMchNo);
+    }
+
+    /// 根据通道商户号与应用类型取首个应用（认证引导，忽略租户）
+    @IgnoreTenant
+    public Optional<DouyinDirectApp> findFirstByChannelMchNoAndAppTypeNotTenant(String channelMchNo, String appType) {
+        return findFirstByChannelMchNoAndAppType(channelMchNo, appType);
+    }
+
 }
diff --git a/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/service/direct/DouyinDirectAppCapabilityService.java b/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/service/direct/DouyinDirectAppCapabilityService.java
index c2d332993..654c87358 100644
--- a/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/service/direct/DouyinDirectAppCapabilityService.java
+++ b/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/service/direct/DouyinDirectAppCapabilityService.java
@@ -14,6 +14,7 @@ import cn.daxpay.open.platform.common.i18n.util.I18nUtil;
 import cn.daxpay.open.platform.core.code.CommonErrorCode;
 import cn.daxpay.open.platform.core.enums.pay.channel.ProductEnum;
 import cn.daxpay.open.platform.core.exception.BizInfoException;
+import cn.daxpay.open.platform.core.annotation.IgnoreTenant;
 import cn.daxpay.open.payment.core.strategy.PaymentStrategyFactory;
 import cn.daxpay.open.payment.core.strategy.product.AbsProductStrategy;
 import cn.hutool.core.collection.CollUtil;
@@ -33,7 +34,7 @@ import java.util.stream.Collectors;
 /// # 抖音直连商户应用支付能力关联
 ///
 /// 管理通道商户维度下「支付能力 → 直连应用」的绑定关系。
-/// 支付时通过 [resolveApp] 解析当前能力对应的应用：显式配置 > appType自动推导 > 通道商户首个兜底。
+/// 支付时通过 [#resolveApp] 解析当前能力对应的应用：显式配置 > appType自动推导 > 通道商户首个兜底。
 ///
 @Slf4j
 @Service
@@ -101,7 +102,9 @@ public class DouyinDirectAppCapabilityService {
         capabilityManager.deleteByDouyinDirectAppId(douyinDirectAppId);
     }
 
-    /// 支付时解析当前支付能力对应的应用：显式配置 > appType自动推导 > 通道商户首个兜底
+    /// 支付/回调解析应用：显式配置 > appType 自动推导 > 通道商户首个兜底（须已装载 mchNo，租户内）
+    ///
+    /// 认证无上下文请用 [#resolveAppNotTenant]。
     ///
     /// @param channelMchNo 通道商户号
     /// @param capability    支付能力编码
@@ -127,6 +130,12 @@ public class DouyinDirectAppCapabilityService {
         return douyinDirectAppManager.findFirstByChannelMchNo(channelMchNo);
     }
 
+    /// 认证等无租户上下文时解析应用（忽略租户）
+    @IgnoreTenant
+    public Optional<DouyinDirectApp> resolveAppNotTenant(String channelMchNo, String capability) {
+        return resolveApp(channelMchNo, capability);
+    }
+
     /// 查询抖音直连产品支持的支付能力候选列表(含国际化名称)
     public List<DouyinCapabilityOption> listSupportedCapabilities() {
         AbsProductStrategy strategy = PaymentStrategyFactory.createByProduct(
diff --git a/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/strategy/DouyinDirectPayStrategy.java b/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/strategy/DouyinDirectPayStrategy.java
index a5cb8550f..bc08506c5 100644
--- a/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/strategy/DouyinDirectPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-douyin/src/main/java/cn/daxpay/open/channel/douyin/strategy/DouyinDirectPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # 抖音支付直连支付策略
 ///
 /// 抖音直连模式(ProductEnum.DOUYIN_PAY)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [DouyinDirectConfigAssembler]), 支付执行委托给 [DouyinPayService]。
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [DouyinDirectConfigAssembler]), 支付执行委托给 [DouyinPayService]。
 @Slf4j
 @Service
 @RequiredArgsConstructor
diff --git a/daxpay-channel/daxpay-channel-fuyou/src/main/java/cn/daxpay/open/channel/fuyou/strategy/FuyouPayStrategy.java b/daxpay-channel/daxpay-channel-fuyou/src/main/java/cn/daxpay/open/channel/fuyou/strategy/FuyouPayStrategy.java
index 8400b2ef3..4718e53d7 100644
--- a/daxpay-channel/daxpay-channel-fuyou/src/main/java/cn/daxpay/open/channel/fuyou/strategy/FuyouPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-fuyou/src/main/java/cn/daxpay/open/channel/fuyou/strategy/FuyouPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # 富友服务商支付策略
 ///
 /// 富友支付(ProductEnum.FUYOU_PAY)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [FuyouIsvConfigAssembler]), 支付执行委托给 [FuyouPayService]。
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [FuyouIsvConfigAssembler]), 支付执行委托给 [FuyouPayService]。
 ///
 /// 富友为聚合服务商模式, 不区分直连/服务商, 仅有一个产品 FUYOU_PAY。
 @Slf4j
diff --git a/daxpay-channel/daxpay-channel-hkrt/src/main/java/cn/daxpay/open/channel/hkrt/service/isv/HkrtIsvKeyConfigService.java b/daxpay-channel/daxpay-channel-hkrt/src/main/java/cn/daxpay/open/channel/hkrt/service/isv/HkrtIsvKeyConfigService.java
index 95b402a4e..489562fd9 100644
--- a/daxpay-channel/daxpay-channel-hkrt/src/main/java/cn/daxpay/open/channel/hkrt/service/isv/HkrtIsvKeyConfigService.java
+++ b/daxpay-channel/daxpay-channel-hkrt/src/main/java/cn/daxpay/open/channel/hkrt/service/isv/HkrtIsvKeyConfigService.java
@@ -38,7 +38,7 @@ public class HkrtIsvKeyConfigService {
 
     /// 支付场景查询服务商密钥(必填校验, 不创建记录)
     ///
-    /// 与 [findByProduct] 的 upsert 语义不同, 此方法只读不写:
+    /// 与 [#findByProduct] 的 upsert 语义不同, 此方法只读不写:
     /// 记录不存在或关键字段(agentNo/accessId/accessKey)任一为空时 fail-fast,
     /// 避免空凭证下发到子应用后子应用才发现问题。
     public HkrtIsvKeyConfig getByProductForPay(String product, boolean sandbox) {
diff --git a/daxpay-channel/daxpay-channel-hkrt/src/main/java/cn/daxpay/open/channel/hkrt/strategy/HkrtPayStrategy.java b/daxpay-channel/daxpay-channel-hkrt/src/main/java/cn/daxpay/open/channel/hkrt/strategy/HkrtPayStrategy.java
index abce5730f..590421f1c 100644
--- a/daxpay-channel/daxpay-channel-hkrt/src/main/java/cn/daxpay/open/channel/hkrt/strategy/HkrtPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-hkrt/src/main/java/cn/daxpay/open/channel/hkrt/strategy/HkrtPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # 海科融通服务商支付策略
 ///
 /// 海科融通支付(ProductEnum.HKRT_PAY)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [HkrtIsvConfigAssembler]), 支付执行委托给 [HkrtPayService]。
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [HkrtIsvConfigAssembler]), 支付执行委托给 [HkrtPayService]。
 ///
 /// 海科融通为聚合服务商模式, 仅有一个产品 HKRT_PAY。
 @Slf4j
diff --git a/daxpay-channel/daxpay-channel-hmpay/src/main/java/cn/daxpay/open/channel/hmpay/strategy/HmpayPayStrategy.java b/daxpay-channel/daxpay-channel-hmpay/src/main/java/cn/daxpay/open/channel/hmpay/strategy/HmpayPayStrategy.java
index 961d94310..ae9f9d906 100644
--- a/daxpay-channel/daxpay-channel-hmpay/src/main/java/cn/daxpay/open/channel/hmpay/strategy/HmpayPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-hmpay/src/main/java/cn/daxpay/open/channel/hmpay/strategy/HmpayPayStrategy.java
@@ -14,7 +14,7 @@ import org.springframework.stereotype.Service;
 
 /// # 河马付服务商支付策略
 ///
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [HmpayIsvConfigAssembler]),
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [HmpayIsvConfigAssembler]),
 /// 支付执行委托给 [HmpayPayService]。
 @Slf4j
 @Service
diff --git a/daxpay-channel/daxpay-channel-lakala/src/main/java/cn/daxpay/open/channel/lakala/service/isv/LakalaIsvKeyConfigService.java b/daxpay-channel/daxpay-channel-lakala/src/main/java/cn/daxpay/open/channel/lakala/service/isv/LakalaIsvKeyConfigService.java
index acb42e186..58867c610 100644
--- a/daxpay-channel/daxpay-channel-lakala/src/main/java/cn/daxpay/open/channel/lakala/service/isv/LakalaIsvKeyConfigService.java
+++ b/daxpay-channel/daxpay-channel-lakala/src/main/java/cn/daxpay/open/channel/lakala/service/isv/LakalaIsvKeyConfigService.java
@@ -38,7 +38,7 @@ public class LakalaIsvKeyConfigService {
 
     /// 支付场景查询服务商密钥(必填校验, 不创建记录)
     ///
-    /// 与 [findByProduct] 的 upsert 语义不同, 此方法只读不写:
+    /// 与 [#findByProduct] 的 upsert 语义不同, 此方法只读不写:
     /// 记录不存在或关键字段(lklAppId/privateKey/publicKey)任一为空时 fail-fast,
     /// 避免空凭证下发到子应用后子应用才发现问题。
     public LakalaIsvKeyConfig getByProductForPay(String product, boolean sandbox) {
diff --git a/daxpay-channel/daxpay-channel-lakala/src/main/java/cn/daxpay/open/channel/lakala/strategy/LakalaPayStrategy.java b/daxpay-channel/daxpay-channel-lakala/src/main/java/cn/daxpay/open/channel/lakala/strategy/LakalaPayStrategy.java
index be28f3ed5..c44dc56f0 100644
--- a/daxpay-channel/daxpay-channel-lakala/src/main/java/cn/daxpay/open/channel/lakala/strategy/LakalaPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-lakala/src/main/java/cn/daxpay/open/channel/lakala/strategy/LakalaPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # 拉卡拉服务商支付策略
 ///
 /// 拉卡拉支付(ProductEnum.LAKALA_PAY)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [LakalaIsvConfigAssembler]), 支付执行委托给 [LakalaPayService]。
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [LakalaIsvConfigAssembler]), 支付执行委托给 [LakalaPayService]。
 ///
 /// 拉卡拉为聚合服务商模式, 不区分直连/服务商, 仅有一个产品 LAKALA_PAY。
 @Slf4j
diff --git a/daxpay-channel/daxpay-channel-leshua/src/main/java/cn/daxpay/open/channel/leshua/service/isv/LeshuaIsvKeyConfigService.java b/daxpay-channel/daxpay-channel-leshua/src/main/java/cn/daxpay/open/channel/leshua/service/isv/LeshuaIsvKeyConfigService.java
index c97e7d69e..f03111816 100644
--- a/daxpay-channel/daxpay-channel-leshua/src/main/java/cn/daxpay/open/channel/leshua/service/isv/LeshuaIsvKeyConfigService.java
+++ b/daxpay-channel/daxpay-channel-leshua/src/main/java/cn/daxpay/open/channel/leshua/service/isv/LeshuaIsvKeyConfigService.java
@@ -37,7 +37,7 @@ public class LeshuaIsvKeyConfigService {
 
     /// 支付场景查询服务商密钥(必填校验, 不创建记录)
     ///
-    /// 与 [findByProduct] 的 upsert 语义不同, 此方法只读不写:
+    /// 与 [#findByProduct] 的 upsert 语义不同, 此方法只读不写:
     /// 记录不存在或关键字段(lsMchNo/tradeKey/signType)任一为空时 fail-fast。
     public LeshuaIsvKeyConfig getByProductForPay(String product, boolean sandbox) {
         LeshuaIsvKeyConfig config = leshuaIsvKeyConfigManager.findByProductAndSandbox(product, sandbox)
diff --git a/daxpay-channel/daxpay-channel-leshua/src/main/java/cn/daxpay/open/channel/leshua/strategy/LeshuaPayStrategy.java b/daxpay-channel/daxpay-channel-leshua/src/main/java/cn/daxpay/open/channel/leshua/strategy/LeshuaPayStrategy.java
index 165fd51ce..18efb57c4 100644
--- a/daxpay-channel/daxpay-channel-leshua/src/main/java/cn/daxpay/open/channel/leshua/strategy/LeshuaPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-leshua/src/main/java/cn/daxpay/open/channel/leshua/strategy/LeshuaPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # 乐刷服务商支付策略
 ///
 /// 乐刷支付(ProductEnum.LESHUA_PAY)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [LeshuaIsvConfigAssembler]), 支付执行委托给 [LeshuaPayService]。
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [LeshuaIsvConfigAssembler]), 支付执行委托给 [LeshuaPayService]。
 @Slf4j
 @Service
 @RequiredArgsConstructor
diff --git a/daxpay-channel/daxpay-channel-ums/src/main/java/cn/daxpay/open/channel/ums/strategy/UmsDirectPayStrategy.java b/daxpay-channel/daxpay-channel-ums/src/main/java/cn/daxpay/open/channel/ums/strategy/UmsDirectPayStrategy.java
index bd67a494f..9854ea96d 100644
--- a/daxpay-channel/daxpay-channel-ums/src/main/java/cn/daxpay/open/channel/ums/strategy/UmsDirectPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-ums/src/main/java/cn/daxpay/open/channel/ums/strategy/UmsDirectPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # 银联商务直连支付策略
 ///
 /// 银联商务直连模式(ProductEnum.UMS_QRCODE)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [UmsDirectConfigAssembler]),
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [UmsDirectConfigAssembler]),
 /// 支付执行委托给 [UmsPayService]。
 @Slf4j
 @Service
diff --git a/daxpay-channel/daxpay-channel-vbill/src/main/java/cn/daxpay/open/channel/vbill/strategy/VbillPayStrategy.java b/daxpay-channel/daxpay-channel-vbill/src/main/java/cn/daxpay/open/channel/vbill/strategy/VbillPayStrategy.java
index 66982187a..da4906920 100644
--- a/daxpay-channel/daxpay-channel-vbill/src/main/java/cn/daxpay/open/channel/vbill/strategy/VbillPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-vbill/src/main/java/cn/daxpay/open/channel/vbill/strategy/VbillPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # 随行付服务商支付策略
 ///
 /// 随行付支付(ProductEnum.VBILL_PAY)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [VbillIsvConfigAssembler]), 支付执行委托给 [VbillPayService]。
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [VbillIsvConfigAssembler]), 支付执行委托给 [VbillPayService]。
 ///
 /// 随行付为聚合服务商模式, 不区分直连/服务商, 仅有一个产品 VBILL_PAY。
 @Slf4j
diff --git a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/direct/WechatDirectAppManager.java b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/direct/WechatDirectAppManager.java
index 7d6583876..ca73bb854 100644
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/direct/WechatDirectAppManager.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/direct/WechatDirectAppManager.java
@@ -2,6 +2,7 @@ package cn.daxpay.open.channel.wechat.dao.direct;
 
 import cn.daxpay.open.channel.wechat.entity.direct.WechatDirectApp;
 import cn.daxpay.open.platform.common.mybatisplus.impl.BaseManager;
+import cn.daxpay.open.platform.core.annotation.IgnoreTenant;
 import org.springframework.stereotype.Repository;
 
 import java.util.List;
@@ -9,7 +10,10 @@ import java.util.Optional;
 
 /// # 微信直连商户应用
 ///
-/// 直连商户应用数据访问管理器，提供按商户号和通道商户号查询列表、同一通道下应用ID唯一性校验等方法。
+/// 方法按租户隔离边界分三类:
+/// - 配置态 CRUD: [#listByMchNoAndChannelMchNo]、[#existsByChannelMchNoAndWxAppId]
+/// - 支付/回调（已装载 mchNo）: [#findFirstByChannelMchNo]、[#findFirstByChannelMchNoAndAppType] 等租户内方法
+/// - 认证引导（无上下文）: 方法名带 NotTenant
 ///
 @Repository
 public class WechatDirectAppManager extends BaseManager<WechatDirectAppMapper, WechatDirectApp> {
@@ -24,7 +28,7 @@ public class WechatDirectAppManager extends BaseManager<WechatDirectAppMapper, W
                 .list();
     }
 
-    /// 按通道商户号查询首个应用（能力解析兜底时使用）
+    /// 按通道商户号查询首个应用（支付/回调，租户内）
     public Optional<WechatDirectApp> findFirstByChannelMchNo(String channelMchNo) {
         return firstOpt(q -> q
                 .eq(WechatDirectApp::getChannelMchNo, channelMchNo)
@@ -32,7 +36,7 @@ public class WechatDirectAppManager extends BaseManager<WechatDirectAppMapper, W
                 .orderByAsc(WechatDirectApp::getId));
     }
 
-    /// 按通道商户号与应用类型查询首个应用（能力→应用类型推导时使用）
+    /// 按通道商户号与应用类型查询首个应用（支付/回调，租户内）
     public Optional<WechatDirectApp> findFirstByChannelMchNoAndAppType(String channelMchNo, String appType) {
         return firstOpt(q -> q
                 .eq(WechatDirectApp::getChannelMchNo, channelMchNo)
@@ -41,13 +45,31 @@ public class WechatDirectAppManager extends BaseManager<WechatDirectAppMapper, W
                 .orderByAsc(WechatDirectApp::getId));
     }
 
-    /// 按通道商户号与wxAppId查询应用(opAppId显式指定认证应用时使用, 校验该appId在系统中预配过)
+    /// 按通道商户号与wxAppId查询应用（支付/回调，租户内）
     public Optional<WechatDirectApp> findByChannelMchNoAndWxAppId(String channelMchNo, String wxAppId) {
         return firstOpt(q -> q
                 .eq(WechatDirectApp::getChannelMchNo, channelMchNo)
                 .eq(WechatDirectApp::getWxAppId, wxAppId));
     }
 
+    /// 按通道商户号查询首个应用（认证引导，忽略租户）
+    @IgnoreTenant
+    public Optional<WechatDirectApp> findFirstByChannelMchNoNotTenant(String channelMchNo) {
+        return findFirstByChannelMchNo(channelMchNo);
+    }
+
+    /// 按通道商户号与应用类型查询首个应用（认证引导，忽略租户）
+    @IgnoreTenant
+    public Optional<WechatDirectApp> findFirstByChannelMchNoAndAppTypeNotTenant(String channelMchNo, String appType) {
+        return findFirstByChannelMchNoAndAppType(channelMchNo, appType);
+    }
+
+    /// 按通道商户号与wxAppId查询应用（认证引导，忽略租户）
+    @IgnoreTenant
+    public Optional<WechatDirectApp> findByChannelMchNoAndWxAppIdNotTenant(String channelMchNo, String wxAppId) {
+        return findByChannelMchNoAndWxAppId(channelMchNo, wxAppId);
+    }
+
     /// 校验同一通道商户下wxAppId是否已存在(排除自身)
     public boolean existsByChannelMchNoAndWxAppId(String mchNo, String channelMchNo, String wxAppId, Long excludeId) {
         return lambdaQuery()
diff --git a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/isv/WechatIsvMchAppManager.java b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/isv/WechatIsvMchAppManager.java
index 8d111383d..a6ed7e492 100644
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/isv/WechatIsvMchAppManager.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/isv/WechatIsvMchAppManager.java
@@ -2,6 +2,7 @@ package cn.daxpay.open.channel.wechat.dao.isv;
 
 import cn.daxpay.open.channel.wechat.entity.isv.WechatIsvMchApp;
 import cn.daxpay.open.platform.common.mybatisplus.impl.BaseManager;
+import cn.daxpay.open.platform.core.annotation.IgnoreTenant;
 import org.springframework.stereotype.Repository;
 
 import java.util.List;
@@ -9,8 +10,11 @@ import java.util.Optional;
 
 /// # 微信服务商通道商户应用 Manager
 ///
-/// 服务商通道商户应用(子商户应用)数据访问管理器,提供按商户号和通道商户号查询列表、
-/// 首个应用查询、应用类型推导查询及同一通道下应用AppId唯一性校验等方法。
+/// 服务商通道商户应用(子商户应用)数据访问管理器。方法按租户隔离边界分两类:
+/// - 配置态(管理端 CRUD, 带租户隔离): [#listByMchNoAndChannelMchNo]、[#existsByChannelMchNoAndWxAppId]
+/// - 运行态(认证/支付解析, 忽略租户, 方法名带 NotTenant): [#findFirstByChannelMchNoNotTenant]、
+///   [#findFirstByChannelMchNoAndAppTypeNotTenant]、[#findByChannelMchNoAndWxAppIdNotTenant]；
+///   按主键见基类 [BaseManager.findByIdNotTenant]
 ///
 @Repository
 public class WechatIsvMchAppManager extends BaseManager<WechatIsvMchAppMapper, WechatIsvMchApp> {
@@ -25,16 +29,18 @@ public class WechatIsvMchAppManager extends BaseManager<WechatIsvMchAppMapper, W
                 .list();
     }
 
-    /// 按通道商户号查询首个应用(能力解析兜底时使用)
-    public Optional<WechatIsvMchApp> findFirstByChannelMchNo(String channelMchNo) {
+    /// 按通道商户号查询首个应用(能力解析兜底时使用, 忽略租户隔离)
+    @IgnoreTenant
+    public Optional<WechatIsvMchApp> findFirstByChannelMchNoNotTenant(String channelMchNo) {
         return firstOpt(q -> q
                 .eq(WechatIsvMchApp::getChannelMchNo, channelMchNo)
                 .orderByAsc(WechatIsvMchApp::getCreateTime)
                 .orderByAsc(WechatIsvMchApp::getId));
     }
 
-    /// 按通道商户号与应用类型查询首个应用(能力→应用类型推导时使用)
-    public Optional<WechatIsvMchApp> findFirstByChannelMchNoAndAppType(String channelMchNo, String appType) {
+    /// 按通道商户号与应用类型查询首个应用(能力→应用类型推导时使用, 忽略租户隔离)
+    @IgnoreTenant
+    public Optional<WechatIsvMchApp> findFirstByChannelMchNoAndAppTypeNotTenant(String channelMchNo, String appType) {
         return firstOpt(q -> q
                 .eq(WechatIsvMchApp::getChannelMchNo, channelMchNo)
                 .eq(WechatIsvMchApp::getAppType, appType)
@@ -42,8 +48,9 @@ public class WechatIsvMchAppManager extends BaseManager<WechatIsvMchAppMapper, W
                 .orderByAsc(WechatIsvMchApp::getId));
     }
 
-    /// 按通道商户号与wxAppId查询应用(opAppId显式指定认证应用时使用, 校验该appId在系统中预配过)
-    public Optional<WechatIsvMchApp> findByChannelMchNoAndWxAppId(String channelMchNo, String wxAppId) {
+    /// 按通道商户号与wxAppId查询应用(opAppId显式指定认证应用时使用, 校验该appId在系统中预配过, 忽略租户隔离)
+    @IgnoreTenant
+    public Optional<WechatIsvMchApp> findByChannelMchNoAndWxAppIdNotTenant(String channelMchNo, String wxAppId) {
         return firstOpt(q -> q
                 .eq(WechatIsvMchApp::getChannelMchNo, channelMchNo)
                 .eq(WechatIsvMchApp::getWxAppId, wxAppId));
diff --git a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatDirectAppAuthConfigService.java b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatDirectAppAuthConfigService.java
index 98e7e2315..fcb14211e 100644
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatDirectAppAuthConfigService.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatDirectAppAuthConfigService.java
@@ -9,6 +9,7 @@ import cn.daxpay.open.channel.wechat.param.direct.WechatDirectAppAuthConfigParam
 import cn.daxpay.open.platform.core.code.CommonErrorCode;
 import cn.daxpay.open.platform.core.exception.BizInfoException;
 import cn.daxpay.open.platform.core.exception.DataNotExistException;
+import cn.daxpay.open.platform.core.annotation.IgnoreTenant;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.springframework.stereotype.Service;
@@ -44,6 +45,28 @@ public class WechatDirectAppAuthConfigService {
         return config;
     }
 
+    /// 根据应用ID查询授权认证配置(运行态认证使用, 忽略租户隔离)
+    ///
+    /// 与 [#findByWechatDirectAppId] 的区别: 走 NotTenant 查询路径, 供认证策略(网关端无登录态)调用;
+    /// [#save] 等配置态仍调原方法(保留租户隔离)。
+    @IgnoreTenant
+    @Transactional(rollbackFor = Exception.class)
+    public WechatDirectAppAuthConfig findByWechatDirectAppIdForAuth(Long wechatDirectAppId) {
+        var existing = wechatDirectAppAuthConfigManager.findByWechatDirectAppIdNotTenant(wechatDirectAppId);
+        if (existing.isPresent()) {
+            return existing.get();
+        }
+        var app = wechatDirectAppManager.findByIdNotTenant(wechatDirectAppId)
+                // 微信: 直连商户应用不存在
+                .orElseThrow(() -> new DataNotExistException("error.channel.wechat.mchAppNotFound"));
+        var config = new WechatDirectAppAuthConfig()
+                .setChannelMchNo(app.getChannelMchNo())
+                .setWechatDirectAppId(wechatDirectAppId);
+        config.setMchNo(app.getMchNo());
+        wechatDirectAppAuthConfigManager.save(config);
+        return config;
+    }
+
     /// 保存应用授权认证配置(更新)
     @Transactional(rollbackFor = Exception.class)
     public void save(WechatDirectAppAuthConfigParam param) {
diff --git a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatDirectAppCapabilityService.java b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatDirectAppCapabilityService.java
index 87a093945..90a64cd3f 100644
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatDirectAppCapabilityService.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatDirectAppCapabilityService.java
@@ -14,6 +14,7 @@ import cn.daxpay.open.platform.common.i18n.util.I18nUtil;
 import cn.daxpay.open.platform.core.code.CommonErrorCode;
 import cn.daxpay.open.platform.core.enums.pay.channel.ProductEnum;
 import cn.daxpay.open.platform.core.exception.BizInfoException;
+import cn.daxpay.open.platform.core.annotation.IgnoreTenant;
 import cn.daxpay.open.payment.core.strategy.PaymentStrategyFactory;
 import cn.daxpay.open.payment.core.strategy.product.AbsProductStrategy;
 import cn.hutool.core.collection.CollUtil;
@@ -33,7 +34,7 @@ import java.util.stream.Collectors;
 /// # 微信直连商户应用支付能力关联
 ///
 /// 管理通道商户维度下「支付能力 → 直连应用」的绑定关系。
-/// 支付时通过 [resolveApp] 解析当前能力对应的应用：显式配置 > appType自动推导 > 通道商户首个兜底。
+/// 支付时通过 [#resolveApp] 解析当前能力对应的应用：显式配置 > appType自动推导 > 通道商户首个兜底。
 ///
 @Slf4j
 @Service
@@ -101,7 +102,10 @@ public class WechatDirectAppCapabilityService {
         capabilityManager.deleteByWechatDirectAppId(wechatDirectAppId);
     }
 
-    /// 支付时解析当前支付能力对应的应用：显式配置 > appType自动推导 > 通道商户首个兜底
+    /// 支付/回调解析应用：显式配置 > appType 自动推导 > 通道商户首个兜底
+    ///
+    /// **须已装载 mchNo**（[PaymentVerify] 的 initMch / 回调 Filter），走租户过滤。
+    /// 认证无上下文请用 [#resolveAppNotTenant]。
     ///
     /// @param channelMchNo 通道商户号
     /// @param capability    支付能力编码
@@ -127,6 +131,12 @@ public class WechatDirectAppCapabilityService {
         return wechatDirectAppManager.findFirstByChannelMchNo(channelMchNo);
     }
 
+    /// 认证等无租户上下文时解析应用（忽略租户，内部复用 [#resolveApp] 逻辑）
+    @IgnoreTenant
+    public Optional<WechatDirectApp> resolveAppNotTenant(String channelMchNo, String capability) {
+        return resolveApp(channelMchNo, capability);
+    }
+
     /// 查询微信直连产品支持的支付能力候选列表(含国际化名称)
     public List<WechatCapabilityOption> listSupportedCapabilities() {
         AbsProductStrategy strategy = PaymentStrategyFactory.createByProduct(
diff --git a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvAppCapabilityService.java b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvAppCapabilityService.java
index 67113fdd5..110a252bb 100644
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvAppCapabilityService.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvAppCapabilityService.java
@@ -33,7 +33,7 @@ import java.util.stream.Collectors;
 /// # 微信服务商应用支付能力关联
 ///
 /// 管理全局维度下「支付能力 → 服务商应用」的绑定关系(微信服务商应用全局共享)。
-/// 支付时通过 [resolveApp] 解析当前能力对应的应用：显式配置 > appType自动推导 > 取首个兜底。
+/// 支付时通过 [#resolveApp] 解析当前能力对应的应用：显式配置 > appType自动推导 > 取首个兜底。
 ///
 @Slf4j
 @Service
diff --git a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvKeyConfigService.java b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvKeyConfigService.java
index dda7c96a0..dc963cfa5 100644
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvKeyConfigService.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvKeyConfigService.java
@@ -38,7 +38,7 @@ public class WechatIsvKeyConfigService {
 
     /// 支付场景查询服务商密钥(必填校验, 不创建记录)
     ///
-    /// 与 [findByProduct] 的 upsert 语义不同, 此方法只读不写:
+    /// 与 [#findByProduct] 的 upsert 语义不同, 此方法只读不写:
     /// 记录不存在或关键字段(wxMchId/apiKeyV3/privateKey/certSerialNo)任一为空时 fail-fast,
     /// 避免空凭证下发到子应用后子应用才发现问题。
     public WechatIsvKeyConfig getByProductForPay(String product) {
diff --git a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvMchAppAuthConfigService.java b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvMchAppAuthConfigService.java
index 897feb402..cf8d70ffe 100644
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvMchAppAuthConfigService.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvMchAppAuthConfigService.java
@@ -9,6 +9,7 @@ import cn.daxpay.open.channel.wechat.param.isv.WechatIsvMchAppAuthConfigParam;
 import cn.daxpay.open.platform.core.code.CommonErrorCode;
 import cn.daxpay.open.platform.core.exception.BizInfoException;
 import cn.daxpay.open.platform.core.exception.DataNotExistException;
+import cn.daxpay.open.platform.core.annotation.IgnoreTenant;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.springframework.stereotype.Service;
@@ -44,6 +45,28 @@ public class WechatIsvMchAppAuthConfigService {
         return config;
     }
 
+    /// 根据应用ID查询授权认证配置(运行态认证使用, 忽略租户隔离)
+    ///
+    /// 与 [#findByWechatIsvMchAppId] 的区别: 走 NotTenant 查询路径, 供认证策略(网关端无登录态)调用;
+    /// [#save] 等配置态仍调原方法(保留租户隔离)。
+    @IgnoreTenant
+    @Transactional(rollbackFor = Exception.class)
+    public WechatIsvMchAppAuthConfig findByWechatIsvMchAppIdForAuth(Long wechatIsvMchAppId) {
+        var existing = wechatIsvMchAppAuthConfigManager.findByWechatIsvMchAppIdNotTenant(wechatIsvMchAppId);
+        if (existing.isPresent()) {
+            return existing.get();
+        }
+        var app = wechatIsvMchAppManager.findByIdNotTenant(wechatIsvMchAppId)
+                // 微信: 服务商通道商户应用不存在
+                .orElseThrow(() -> new DataNotExistException("error.channel.wechat.mchAppNotFound"));
+        var config = new WechatIsvMchAppAuthConfig()
+                .setChannelMchNo(app.getChannelMchNo())
+                .setWechatIsvMchAppId(wechatIsvMchAppId);
+        config.setMchNo(app.getMchNo());
+        wechatIsvMchAppAuthConfigManager.save(config);
+        return config;
+    }
+
     /// 保存应用授权认证配置(更新)
     @Transactional(rollbackFor = Exception.class)
     public void save(WechatIsvMchAppAuthConfigParam param) {
diff --git a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvMchAppCapabilityService.java b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvMchAppCapabilityService.java
index b99adf0e6..461e784ad 100644
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvMchAppCapabilityService.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/isv/WechatIsvMchAppCapabilityService.java
@@ -13,6 +13,7 @@ import cn.daxpay.open.platform.common.i18n.util.I18nUtil;
 import cn.daxpay.open.platform.core.code.CommonErrorCode;
 import cn.daxpay.open.platform.core.enums.pay.channel.ProductEnum;
 import cn.daxpay.open.platform.core.exception.BizInfoException;
+import cn.daxpay.open.platform.core.annotation.IgnoreTenant;
 import cn.daxpay.open.payment.core.strategy.PaymentStrategyFactory;
 import cn.daxpay.open.payment.core.strategy.product.AbsProductStrategy;
 import cn.hutool.core.collection.CollUtil;
@@ -36,7 +37,7 @@ import java.util.stream.Collectors;
 /// 由调用方(未来的微信服务商支付策略/配置组装器)回退到全局服务商应用配置
 /// ([cn.daxpay.open.channel.wechat.service.isv.WechatIsvAppCapabilityService])。
 ///
-/// 支付时通过 [resolveApp] 解析当前能力对应的应用：仅读取显式配置, 未配置返回 empty
+/// 支付时通过 [#resolveApp] 解析当前能力对应的应用：仅读取显式配置, 未配置返回 empty
 /// (语义为"该能力未在子商户维度配置, sub_appid 留空, 走纯服务商应用模式")。
 ///
 @Slf4j
@@ -108,10 +109,10 @@ public class WechatIsvMchAppCapabilityService {
         capabilityManager.deleteByWechatIsvMchAppId(wechatIsvMchAppId);
     }
 
-    /// 支付时解析当前支付能力对应的子商户应用(仅读取显式配置)
+    /// 支付/回调解析子商户应用(仅读取显式配置，须已装载 mchNo，租户内)
     ///
-    /// 子商户应用(sub_appid)为可选项, 不做 appType 推导与首个兜底, 避免取到不相关的子应用
-    /// 导致 openid 体系不匹配。未配置返回 empty, 由调用方留空 sub_appid, 走纯服务商应用模式。
+    /// 子商户应用(sub_appid)为可选项, 不做 appType 推导与首个兜底。
+    /// 未配置返回 empty, 由调用方留空 sub_appid。认证无上下文请用 [#resolveAppNotTenant]。
     ///
     /// @param channelMchNo 通道商户号(服务商特约商户)
     /// @param capability   支付能力编码
@@ -120,12 +121,16 @@ public class WechatIsvMchAppCapabilityService {
         if (StrUtil.hasBlank(channelMchNo, capability)) {
             return Optional.empty();
         }
-        // 子商户应用(sub_appid)为可选项, 仅读取显式配置, 未配置则返回 empty
-        // (sub_appid 留空时走纯服务商应用 sp_appid + sub_mchid 模式)
         return capabilityManager.findOne(channelMchNo, capability)
                 .flatMap(rel -> wechatIsvMchAppManager.findById(rel.getWechatIsvMchAppId()));
     }
 
+    /// 认证等无租户上下文时解析子商户应用（忽略租户）
+    @IgnoreTenant
+    public Optional<WechatIsvMchApp> resolveAppNotTenant(String channelMchNo, String capability) {
+        return resolveApp(channelMchNo, capability);
+    }
+
     /// 查询微信服务商产品支持的支付能力候选列表(含国际化名称)
     public List<WechatCapabilityOption> listSupportedCapabilities() {
         AbsProductStrategy strategy = PaymentStrategyFactory.createByProduct(
diff --git a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/direct/WechatDirectPayStrategy.java b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/direct/WechatDirectPayStrategy.java
index 7cf208cf3..6110e1948 100644
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/direct/WechatDirectPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/direct/WechatDirectPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # 微信直连支付策略
 ///
 /// 微信直连模式(ProductEnum.WECHAT_PAY)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [WechatDirectConfigAssembler]), 支付执行委托给 [WechatPayService]。
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [WechatDirectConfigAssembler]), 支付执行委托给 [WechatPayService]。
 @Slf4j
 @Service
 @RequiredArgsConstructor
diff --git a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/isv/WechatIsvPayStrategy.java b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/isv/WechatIsvPayStrategy.java
index 7084f8148..f8869d086 100644
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/isv/WechatIsvPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/isv/WechatIsvPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # 微信服务商支付策略
 ///
 /// 微信服务商模式(ProductEnum.WECHAT_ISV)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [WechatIsvConfigAssembler]), 支付执行委托给 [WechatPayService]。
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [WechatIsvConfigAssembler]), 支付执行委托给 [WechatPayService]。
 @Slf4j
 @Service
 @RequiredArgsConstructor
diff --git a/daxpay-channel/daxpay-channel-yeepay/src/main/java/cn/daxpay/open/channel/yeepay/strategy/YeepayDirectPayStrategy.java b/daxpay-channel/daxpay-channel-yeepay/src/main/java/cn/daxpay/open/channel/yeepay/strategy/YeepayDirectPayStrategy.java
index ca91740a3..984afd056 100644
--- a/daxpay-channel/daxpay-channel-yeepay/src/main/java/cn/daxpay/open/channel/yeepay/strategy/YeepayDirectPayStrategy.java
+++ b/daxpay-channel/daxpay-channel-yeepay/src/main/java/cn/daxpay/open/channel/yeepay/strategy/YeepayDirectPayStrategy.java
@@ -15,7 +15,7 @@ import org.springframework.stereotype.Service;
 /// # 易宝直连支付策略
 ///
 /// 易宝支付(ProductEnum.YEE_PAY)下发起支付的具体执行策略。
-/// 配置组装在 [doBeforePay] 阶段完成(委托 [YeepayDirectConfigAssembler]),
+/// 配置组装在 [#doBeforePay] 阶段完成(委托 [YeepayDirectConfigAssembler]),
 /// 支付执行委托给 [YeepayPayService]。
 @Slf4j
 @Service
diff --git a/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/common/runtime/PaymentContext.java b/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/common/runtime/PaymentContext.java
index e7dd5fc28..4719061ed 100644
--- a/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/common/runtime/PaymentContext.java
+++ b/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/common/runtime/PaymentContext.java
@@ -54,7 +54,7 @@ public final class PaymentContext {
         }
     }
 
-    /// 在作用域内执行(无返回值),语义同 [runAs]
+    /// 在作用域内执行(无返回值),语义同 [#runAs]
     public void runAs(Runnable action) {
         if (isOpen()) {
             action.run();
diff --git a/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/assist/AuthSession.java b/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/assist/AuthSession.java
index 5240e8b1c..7e1069e50 100644
--- a/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/assist/AuthSession.java
+++ b/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/assist/AuthSession.java
@@ -36,9 +36,9 @@ public class AuthSession {
     /// 认证来源
     ///
     /// 标识本次认证的配置来源:
-    /// - [SOURCE_PLATFORM_ALIPAY]: 平台级支付宝配置(调试场景)
-    /// - [SOURCE_PLATFORM_MP]: 平台级微信公众号配置(调试场景)
-    /// - [SOURCE_PLATFORM_DOUYIN]: 平台级抖音 H5 应用配置(调试场景)
+    /// - [#SOURCE_PLATFORM_ALIPAY]: 平台级支付宝配置(调试场景)
+    /// - [#SOURCE_PLATFORM_MP]: 平台级微信公众号配置(调试场景)
+    /// - [#SOURCE_PLATFORM_DOUYIN]: 平台级抖音 H5 应用配置(调试场景)
     /// - null/空: 走商户级支付产品策略(直连/服务商)
     private String source;
 
diff --git a/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/assist/PlatformAuthService.java b/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/assist/PlatformAuthService.java
index af1bad34d..1521bbe08 100644
--- a/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/assist/PlatformAuthService.java
+++ b/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/assist/PlatformAuthService.java
@@ -79,7 +79,7 @@ public class PlatformAuthService {
     ///
     /// 读取平台级 [PlatformAlipayAuthConfig], 调用 capability-alipay 生成支付宝 OAuth 授权链接,
     /// 回调指向固定的 `/auth/alipay`。会话标识 authToken 通过 OAuth state 参数透传, 回调后从 state 恢复会话。
-    /// session 标记 `source=platform_alipay`, 认证分发层据此走平台级支付宝换票分支([authAlipay])。
+    /// session 标记 `source=platform_alipay`, 认证分发层据此走平台级支付宝换票分支([#authAlipay])。
     public AuthUrlResult generateAlipayAuthUrl() {
         AlipayAuthConfig config = platformAlipayAuthConfigService.toCapabilityConfig();
         if (!alipayAuthCapability.isConfigured(config)) {
@@ -108,7 +108,7 @@ public class PlatformAuthService {
     ///
     /// 读取平台级 [PlatformWechatMpAuthConfig], 调用 capability-wechat 生成微信公众号 OAuth 授权链接,
     /// 回调指向固定的 `/auth/wechat`。会话标识 authToken 通过 OAuth state 参数透传, 回调后从 state 恢复会话。
-    /// session 标记 `source=platform_mp`, 认证分发层据此走平台级微信换票分支([authWechatMp])。
+    /// session 标记 `source=platform_mp`, 认证分发层据此走平台级微信换票分支([#authWechatMp])。
     public AuthUrlResult generateWechatMpAuthUrl() {
         PlatformWechatMpAuthConfig config = platformWechatMpAuthConfigService.getWechatMpAuthConfig();
         if (!isWechatMpConfigured(config)) {
@@ -138,7 +138,7 @@ public class PlatformAuthService {
     /// 读取平台级 [PlatformDouyinH5AuthConfig], 调用 capability-douyin [DouyinH5AuthService] 构造 silent_auth 链接,
     /// 回调指向固定的 `/auth/douyin`(抖音要求 redirect_uri 与平台配置完全一致, 不支持 path 段或 query 参数)。
     /// 会话标识 authToken 通过 state 参数透传, 回调后从 state 恢复会话。
-    /// session 标记 `source=platform_douyin`, 认证分发层据此走平台级抖音换票分支([authDouyin])。
+    /// session 标记 `source=platform_douyin`, 认证分发层据此走平台级抖音换票分支([#authDouyin])。
     public AuthUrlResult generateDouyinAuthUrl() {
         PlatformDouyinH5AuthConfig config = platformDouyinH5AuthConfigService.getDouyinH5AuthConfig();
         if (!isDouyinH5Configured(config)) {
diff --git a/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/trade/service/PayCloseService.java b/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/trade/service/PayCloseService.java
index 286ce9227..f4d3e18e8 100644
--- a/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/trade/service/PayCloseService.java
+++ b/daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/core/trade/service/PayCloseService.java
@@ -111,7 +111,7 @@ public class PayCloseService {
     /// 供 MQ 延时消息消费者 [cn.daxpay.open.payment.core.trade.mq.NormalPayTimeoutConsumer]
     /// 与兜底定时任务 [cn.daxpay.open.payment.core.trade.job.NormalPayTimeoutJob] 调用。
     ///
-    /// 与 [closeOrder] 的区别:
+    /// 与 [#closeOrder] 的区别:
     /// - 仅接受 tradeNo 定位, 非 PROCESSING 状态静默返回(幂等, 不抛异常)
     /// - closeType 固定 TIMEOUT, 容器态置 EXPIRED(见 [PayUniHandleService#payTimeout])
     /// - 不接受 useCancel, 超时统一走 close
diff --git a/daxpay-platform/daxpay-platform-capability/capability-alipay/src/main/java/cn/daxpay/open/platform/capability/alipay/auth/config/AlipayAuthTypeEnum.java b/daxpay-platform/daxpay-platform-capability/capability-alipay/src/main/java/cn/daxpay/open/platform/capability/alipay/auth/config/AlipayAuthTypeEnum.java
index 3fcb910b4..907d46a05 100644
--- a/daxpay-platform/daxpay-platform-capability/capability-alipay/src/main/java/cn/daxpay/open/platform/capability/alipay/auth/config/AlipayAuthTypeEnum.java
+++ b/daxpay-platform/daxpay-platform-capability/capability-alipay/src/main/java/cn/daxpay/open/platform/capability/alipay/auth/config/AlipayAuthTypeEnum.java
@@ -6,8 +6,8 @@ import lombok.Getter;
 /// # 支付宝鉴权方式
 ///
 /// 区分公钥模式与证书模式, 决定 OpenAPI 请求参数与响应验签公钥来源:
-/// - [KEY] 公钥模式: 使用 alipayPublicKey 验签
-/// - [CERT] 证书模式: 请求附加 app_cert_sn / alipay_root_cert_sn, 从支付宝公钥证书取验签公钥
+/// - [#KEY] 公钥模式: 使用 alipayPublicKey 验签
+/// - [#CERT] 证书模式: 请求附加 app_cert_sn / alipay_root_cert_sn, 从支付宝公钥证书取验签公钥
 ///
 @Getter
 @AllArgsConstructor
diff --git a/daxpay-platform/daxpay-platform-capability/capability-auth/src/main/java/cn/daxpay/open/platform/capability/auth/authentication/PostAuthenticationChallenge.java b/daxpay-platform/daxpay-platform-capability/capability-auth/src/main/java/cn/daxpay/open/platform/capability/auth/authentication/PostAuthenticationChallenge.java
index 6a3fe218d..2cc22e2ff 100644
--- a/daxpay-platform/daxpay-platform-capability/capability-auth/src/main/java/cn/daxpay/open/platform/capability/auth/authentication/PostAuthenticationChallenge.java
+++ b/daxpay-platform/daxpay-platform-capability/capability-auth/src/main/java/cn/daxpay/open/platform/capability/auth/authentication/PostAuthenticationChallenge.java
@@ -6,7 +6,7 @@ import cn.daxpay.open.platform.capability.auth.entity.LoginAuthContext;
 /// # 认证后挑战 SPI
 ///
 /// 认证(凭证校验 + 用户状态校验)通过后、建立会话前, 判断是否需要额外挑战(如双因素认证 / 设备验证 / 风控)。
-/// 需要挑战时由 [createChallenge] 颁发挑战凭证并返回挑战异常, 由全局处理器返回前端。
+/// 需要挑战时由 [#createChallenge] 颁发挑战凭证并返回挑战异常, 由全局处理器返回前端。
 /// 挑战不属于登录失败, 不触发失败计数与失败日志。
 ///
 public interface PostAuthenticationChallenge {
diff --git a/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/extension/DaxLambdaQueryChainWrapper.java b/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/extension/DaxLambdaQueryChainWrapper.java
index df777d076..22207112b 100644
--- a/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/extension/DaxLambdaQueryChainWrapper.java
+++ b/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/extension/DaxLambdaQueryChainWrapper.java
@@ -8,7 +8,7 @@ import java.util.List;
 
 /// # 单条数据读取安全
 ///
-/// 重写 [one]：查询结果不唯一时记录告警(查全部，方言无关)，适用于期望唯一的场景。
+/// 重写 [#one]：查询结果不唯一时记录告警(查全部，方言无关)，适用于期望唯一的场景。
 /// 取"排序后第一条"的方言无关写法(只查 1 条、不校验唯一)见 [cn.daxpay.open.platform.common.mybatisplus.impl.BaseManager.firstOpt]。
 ///
 @Slf4j
diff --git a/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/impl/BaseManager.java b/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/impl/BaseManager.java
index 483db0ae8..872bbf337 100644
--- a/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/impl/BaseManager.java
+++ b/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/impl/BaseManager.java
@@ -110,7 +110,7 @@ public class BaseManager<M extends MPJBaseMapper<T>, T> {
 
     /// 取排序后第一条(方言无关，由分页插件按当前数据库方言生成 limit，只查 1 条)
     ///
-    /// 适用于 findFirst* 场景(明确取首条，不校验唯一)，区别于期望唯一的 [lambdaQuery]...one()。
+    /// 适用于 findFirst* 场景(明确取首条，不校验唯一)，区别于期望唯一的 [#lambdaQuery]...one()。
     ///
     /// @param customizer 查询条件定制(eq/orderBy 等)
     /// @return 第一条的 Optional 包装，无数据返回 empty
@@ -271,7 +271,7 @@ public class BaseManager<M extends MPJBaseMapper<T>, T> {
 
     /// 按主键查询（忽略租户隔离）
     ///
-    /// 运行态认证/支付解析/网关引导等无租户上下文时使用；配置态 CRUD 请用 [findById]。
+    /// 运行态认证/支付解析/网关引导等无租户上下文时使用；配置态 CRUD 请用 [#findById]。
     /// 须经 Spring 注入的 Manager Bean 外部调用（同类 this 自调用不走 AOP）。
     @IgnoreTenant
     public Optional<T> findByIdNotTenant(Serializable id) {
diff --git a/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/util/MpUtil.java b/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/util/MpUtil.java
index bc9ac939b..10c4e7086 100644
--- a/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/util/MpUtil.java
+++ b/daxpay-platform/daxpay-platform-common/common-mybatis-plus/src/main/java/cn/daxpay/open/platform/common/mybatisplus/util/MpUtil.java
@@ -183,7 +183,7 @@ public class MpUtil {
         return tableInfo.getPropertyValue(object, keyProperty);
     }
 
-    /// 进入忽略租户作用域（可重入，与 [clearIgnoreTenant] 成对使用）
+    /// 进入忽略租户作用域（可重入，与 [#clearIgnoreTenant] 成对使用）
     ///
     /// 基于线程内引用计数：仅 depth 从 0→1 时真正打开 MP 忽略策略；
     /// 嵌套调用不会互相 clear，直到最外层 exit 才恢复租户过滤。
diff --git a/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/auth/login/AbstractPasswordLoginHandler.java b/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/auth/login/AbstractPasswordLoginHandler.java
index 80a564163..0b68ba135 100644
--- a/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/auth/login/AbstractPasswordLoginHandler.java
+++ b/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/auth/login/AbstractPasswordLoginHandler.java
@@ -27,7 +27,7 @@ import java.util.Objects;
 /// # 账号密码登录基类
 ///
 /// 承载密码登录的通用流程(用户定位、验证码校验、密码比对、登录重试状态注入)。
-/// 子类只需声明终端编码 [getClientCode], 由认证框架按"终端 + 登录方式"双键路由,
+/// 子类只需声明终端编码 [#getClientCode], 由认证框架按"终端 + 登录方式"双键路由,
 /// 从而消除多终端同登录方式(如平台端/商户端均为 password)的 findFirst 歧义与重复代码。
 ///
 @Slf4j
diff --git a/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/service/social/SocialLoginConfigService.java b/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/service/social/SocialLoginConfigService.java
index f2222299c..1c43fae8f 100644
--- a/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/service/social/SocialLoginConfigService.java
+++ b/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/service/social/SocialLoginConfigService.java
@@ -25,9 +25,9 @@ import org.springframework.stereotype.Service;
 /// # 第三方平台登录配置服务
 ///
 /// 配置页采用"枚举驱动 + 惰性初始化"模式: 平台清单来源于 [SocialSourceEnum] 枚举.
-/// [findAll] 仅内存合并展示(不落库), 未配置平台返回无 id 的瞬态展示项;
-/// [findBySource] 在平台记录不存在时按需初始化占位记录(`configured=false`), 用户保存配置后置 `configured=true`.
-/// 数据访问全部委托 [SocialLoginConfigManager], 本层不直接使用 lambdaQuery.
+/// [#findAll] 仅内存合并展示(不落库), 未配置平台返回无 id 的瞬态展示项;
+/// [#findBySource] 在平台记录不存在时按需初始化占位记录(`configured=false`), 用户保存配置后置 `configured=true`.
+/// 数据访问全部委托 [SocialLoginConfigManager#listAll], 本层不直接使用 lambdaQuery.
 /// 配置表 source 全局唯一, 占位记录仅插入一次.
 ///
 /// **平台级跳转型**(如支付宝): 凭据在独立平台配置中维护, 本表仅存 enabled 占位;
@@ -42,7 +42,7 @@ public class SocialLoginConfigService {
 
     /// 全量查询平台配置(枚举驱动, 内存合并, 不落库)
     /// 已配置平台返回库表记录, 未配置平台返回 `configured=false` 的瞬态展示项(无 id).
-    /// 真正的初始化落库延迟到 [findBySource] 按需触发, 避免读操作产生写副作用.
+    /// 真正的初始化落库延迟到 [#findBySource] 按需触发, 避免读操作产生写副作用.
     /// **平台级跳转型平台**(如支付宝)不在本表存凭据, `configured`/`enabled` 均取本表占位行。
     public List<SocialLoginConfigResult> findAll() {
         // 库表已有配置按 source 索引
diff --git a/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/service/social/other/AlipaySocialAuthRequest.java b/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/service/social/other/AlipaySocialAuthRequest.java
index 90b420d00..f93741ffc 100644
--- a/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/service/social/other/AlipaySocialAuthRequest.java
+++ b/daxpay-platform/daxpay-platform-service/service-iam/src/main/java/cn/daxpay/open/platform/iam/service/social/other/AlipaySocialAuthRequest.java
@@ -69,13 +69,13 @@ public class AlipaySocialAuthRequest implements SocialAuthRequest {
                 .setToken(token);
     }
 
-    /// 支付宝换用户在 [login] 内一次完成, 不单独暴露 accessToken 步骤
+    /// 支付宝换用户在 [#login] 内一次完成, 不单独暴露 accessToken 步骤
     @Override
     public AuthToken getAccessToken(AuthCallback callback) {
         throw new SocialException("error.social.unsupportedSource");
     }
 
-    /// 支付宝换用户在 [login] 内一次完成, 不单独暴露 userInfo 步骤
+    /// 支付宝换用户在 [#login] 内一次完成, 不单独暴露 userInfo 步骤
     @Override
     public AuthUser getUserInfo(AuthToken token) {
         throw new SocialException("error.social.unsupportedSource");
diff --git a/daxpay-platform/daxpay-platform-service/service-notify/src/main/java/cn/daxpay/open/platform/notify/service/wechat/WechatNotifyService.java b/daxpay-platform/daxpay-platform-service/service-notify/src/main/java/cn/daxpay/open/platform/notify/service/wechat/WechatNotifyService.java
index 5b99ad099..86ca6e91d 100644
--- a/daxpay-platform/daxpay-platform-service/service-notify/src/main/java/cn/daxpay/open/platform/notify/service/wechat/WechatNotifyService.java
+++ b/daxpay-platform/daxpay-platform-service/service-notify/src/main/java/cn/daxpay/open/platform/notify/service/wechat/WechatNotifyService.java
@@ -21,7 +21,7 @@ import java.util.Map;
 
 /// # 微信公众号模板通知发送门面(编排层)
 ///
-/// 业务方通过 [sendToUser] 发送模板通知, 内部完成:
+/// 业务方通过 [#sendToUser] 发送模板通知, 内部完成:
 /// "读三方平台凭据 -> 读消息通知配置 -> 反查 openId -> 选模板 -> 调能力层发送 -> 写记录"全链路.
 ///
 /// 降级策略(不抛异常, 不阻塞主业务, 每个降级点都写一条 failed 记录留痕):