diff --git a/daxpay-plugin/daxpay-plugin-risk/src/main/java/cn/daxpay/open/plugin/risk/strategy/DefaultPayRiskChecker.java b/daxpay-plugin/daxpay-plugin-risk/src/main/java/cn/daxpay/open/plugin/risk/strategy/DefaultPayRiskChecker.java
index 13c1d8e06..f913710db 100644
--- a/daxpay-plugin/daxpay-plugin-risk/src/main/java/cn/daxpay/open/plugin/risk/strategy/DefaultPayRiskChecker.java
+++ b/daxpay-plugin/daxpay-plugin-risk/src/main/java/cn/daxpay/open/plugin/risk/strategy/DefaultPayRiskChecker.java
@@ -12,6 +12,7 @@ import cn.daxpay.open.plugin.risk.enums.PayBlacklistTypeEnum;
 import cn.daxpay.open.plugin.risk.enums.PayRiskHitPhaseEnum;
 import cn.daxpay.open.plugin.risk.service.PayBlacklistService;
 import cn.daxpay.open.plugin.risk.service.PayRiskHitService;
+import cn.hutool.core.lang.Validator;
 import cn.hutool.core.net.NetUtil;
 import cn.hutool.core.util.StrUtil;
 import com.github.benmanes.caffeine.cache.Cache;
@@ -150,6 +151,10 @@ public class DefaultPayRiskChecker implements PayRiskChecker {
         if (StrUtil.isBlank(ip)) {
             return;
         }
+        // IPv6 暂不参与网段判定, 直接放行(NetUtil.isInnerIP 仅支持 IPv4, 传入 IPv6 会抛异常)
+        if (Validator.isIpv6(ip)) {
+            return;
+        }
         // 内网/回环地址直通放行(网络层判定, 不查库)
         if (NetUtil.isInnerIP(ip)) {
             return;
diff --git a/daxpay-plugin/daxpay-plugin-risk/src/test/java/cn/daxpay/open/plugin/risk/strategy/DefaultPayRiskCheckerTest.java b/daxpay-plugin/daxpay-plugin-risk/src/test/java/cn/daxpay/open/plugin/risk/strategy/DefaultPayRiskCheckerTest.java
index 4d477bf83..7b137d65d 100644
--- a/daxpay-plugin/daxpay-plugin-risk/src/test/java/cn/daxpay/open/plugin/risk/strategy/DefaultPayRiskCheckerTest.java
+++ b/daxpay-plugin/daxpay-plugin-risk/src/test/java/cn/daxpay/open/plugin/risk/strategy/DefaultPayRiskCheckerTest.java
@@ -128,6 +128,24 @@ class DefaultPayRiskCheckerTest {
         verifyNoInteractions(payRiskHitService);
     }
 
+    @Test
+    @DisplayName("海外检查: IPv6 回环直通放行(NetUtil.isInnerIP 仅支持 IPv4, 传入 IPv6 会抛异常)")
+    void overseasIp_ipv6Loopback_shouldPassThroughWithoutLookup() {
+        assertDoesNotThrow(() -> checker.checkBeforePay(overseasCtx("::1")));
+
+        verify(ipToRegionService, never()).getRegionByIp(anyString());
+        verifyNoInteractions(payRiskHitService);
+    }
+
+    @Test
+    @DisplayName("海外检查: IPv6 公网地址直通放行")
+    void overseasIp_ipv6Public_shouldPassThroughWithoutLookup() {
+        assertDoesNotThrow(() -> checker.checkBeforePay(overseasCtx("2409:8a20:210:0:0:0:0:1")));
+
+        verify(ipToRegionService, never()).getRegionByIp(anyString());
+        verifyNoInteractions(payRiskHitService);
+    }
+
     @Test
     @DisplayName("海外检查: xdb 查询失败(region=null)放行不记录")
     void overseasIp_lookupReturnsNull_shouldPass() {