diff --git a/internal/provider/crypto/crypto.go b/internal/provider/crypto/crypto.go
index 92b0eaa..39132b1 100644
--- a/internal/provider/crypto/crypto.go
+++ b/internal/provider/crypto/crypto.go
@@ -51,7 +51,7 @@ type Provider struct {
 	now     func() time.Time
 
 	mu       sync.Mutex
-	reserved map[string]time.Time // "<accountID>/<amount>" → 预留到期(canonical AmountRecentlyUsed 的进程内等价)
+	reserved map[string]time.Time // "<address>/<amount>" → 预留到期(链上匹配维度,对齐 Query 的 to==addr)(canonical AmountRecentlyUsed 的进程内等价)
 }
 
 type Option func(*Provider)
@@ -99,9 +99,27 @@ func (p *Provider) apiKey(accountID string) string {
 	return os.Getenv("TRONGRID_API_KEY")
 }
 
+// GetReserved 仅用于测试,返回预留表副本。
+func (p *Provider) GetReserved() map[string]time.Time {
+	p.mu.Lock()
+	defer p.mu.Unlock()
+	m := make(map[string]time.Time, len(p.reserved))
+	for k, v := range p.reserved {
+		m[k] = v
+	}
+	return m
+}
+
 // allocateAmount 移植 canonical pay/service.go:随机尾数 [1,tailMax] + 冷却预留,
 // 保证同(地址,金额)在冷却窗内唯一——迟到付款绝不可能匹配到新单。64 次重试。
+// 预留键基于地址(链上匹配维度),防止共享地址的不同账户产生同金额碰撞。
 func (p *Provider) allocateAmount(accountID string, base int64) (amount, tail int64, err error) {
+	// 解析地址(同 Query 逻辑,作为链上匹配维度的真相源)
+	addr, err := p.address(accountID)
+	if err != nil {
+		return 0, 0, err
+	}
+
 	p.mu.Lock()
 	defer p.mu.Unlock()
 	now := p.now()
@@ -116,7 +134,7 @@ func (p *Provider) allocateAmount(accountID string, base int64) (amount, tail in
 			return 0, 0, rerr
 		}
 		amt := base + t
-		key := accountID + "/" + strconv.FormatInt(amt, 10)
+		key := addr + "/" + strconv.FormatInt(amt, 10)
 		if _, used := p.reserved[key]; used {
 			continue
 		}
diff --git a/internal/provider/crypto/crypto_test.go b/internal/provider/crypto/crypto_test.go
index 0f7ac3b..0be18aa 100644
--- a/internal/provider/crypto/crypto_test.go
+++ b/internal/provider/crypto/crypto_test.go
@@ -141,3 +141,68 @@ func TestVerifyCallbackNotSupported(t *testing.T) {
 		t.Fatal("crypto 无异步回调,VerifyCallback 应返回 ErrNotSupported")
 	}
 }
+
+// 预留键按地址而非 accountID 维度:防止共享地址的不同账户在同金额上碰撞。
+// 两个 accountID 配置相同 ADDRESS,分别创建订单 → 验证预留键格式为 "address/amount",
+// 而非 "accountID/amount"。
+func TestReservationKeyByAddress(t *testing.T) {
+	const sharedAddr = "TSHARED_ADDRESS_FOR_TEST"
+	t.Setenv("ACC1_ADDRESS", sharedAddr)
+	t.Setenv("ACC1_TRONGRID_KEY", "key1")
+	t.Setenv("ACC2_ADDRESS", sharedAddr)
+	t.Setenv("ACC2_TRONGRID_KEY", "key2")
+
+	ts := httptest.NewServer(http.NotFoundHandler())
+	defer ts.Close()
+
+	reg := accounts.New([]config.AccountConfig{
+		{AccountID: "acc-1", Channel: "crypto", Enabled: true, CredentialEnvPrefix: "acc1"},
+		{AccountID: "acc-2", Channel: "crypto", Enabled: true, CredentialEnvPrefix: "acc2"},
+	})
+	p := crypto.New(reg, crypto.WithBaseURL(ts.URL), crypto.WithHTTPClient(ts.Client()))
+
+	base := int64(50000000)
+
+	// 为账户 1 创建订单
+	sess1, err1 := p.Create(context.Background(), provider.CreateRequest{
+		OutTradeNo:  "ORDER-1",
+		AmountMinor: base,
+		Currency:    "USDT",
+		Account:     config.AccountConfig{AccountID: "acc-1", CredentialEnvPrefix: "acc1"},
+	})
+	if err1 != nil {
+		t.Fatalf("acc-1 create: %v", err1)
+	}
+	amt1 := sess1.Payload["amount_minor"].(int64)
+
+	// 为账户 2 创建订单(同 base,共享地址)
+	sess2, err2 := p.Create(context.Background(), provider.CreateRequest{
+		OutTradeNo:  "ORDER-2",
+		AmountMinor: base,
+		Currency:    "USDT",
+		Account:     config.AccountConfig{AccountID: "acc-2", CredentialEnvPrefix: "acc2"},
+	})
+	if err2 != nil {
+		t.Fatalf("acc-2 create: %v", err2)
+	}
+	amt2 := sess2.Payload["amount_minor"].(int64)
+
+	// 白盒验证:检查预留键格式(应为 "address/amount" 而非 "accountID/amount")
+	reserved := p.GetReserved()
+
+	// 新代码:键应为 "address/amount"
+	expectedKey1 := sharedAddr + "/" + strconv.FormatInt(amt1, 10)
+	expectedKey2 := sharedAddr + "/" + strconv.FormatInt(amt2, 10)
+
+	if _, found := reserved[expectedKey1]; !found {
+		t.Fatalf("预留键应为 %q(address/amount 格式), 实际键: %v", expectedKey1, reserved)
+	}
+	if _, found := reserved[expectedKey2]; !found {
+		t.Fatalf("预留键应为 %q(address/amount 格式), 实际键: %v", expectedKey2, reserved)
+	}
+
+	// 两个账户应分配不同金额(防止链上同地址同金额碰撞)
+	if amt1 == amt2 {
+		t.Fatalf("共享地址的两个账户不应分配相同金额: %d", amt1)
+	}
+}