diff --git a/internal/gateway/gateway.go b/internal/gateway/gateway.go
index 2ea83f7..33a0a7a 100644
--- a/internal/gateway/gateway.go
+++ b/internal/gateway/gateway.go
@@ -18,15 +18,18 @@ import (
 )
 
 var (
-	ErrProductNotFound = errors.New("gateway: product not found")
-	ErrNoAccount       = errors.New("gateway: no enabled account for method/region")
-	ErrOrderNotPending = errors.New("gateway: order not pending")
+	ErrProductNotFound  = errors.New("gateway: product not found")
+	ErrNoAccount        = errors.New("gateway: no enabled account for method/region")
+	ErrOrderNotPending  = errors.New("gateway: order not pending")
+	ErrNoSettleCurrency = errors.New("gateway: channel has no settle currency")
+	ErrCurrencyMismatch = errors.New("gateway: retry method settles a different currency")
 )
 
-// ProductResolver maps a client-facing SKU to the authoritative amount/currency.
-// Amount authority lives in pay (设计 §3.1); the client never sends raw amounts.
+// ProductResolver maps a client SKU + settlement currency to authoritative amount.
+// Currency is chosen by the selected channel's SettleCurrencies (设计 §3.1/§4.1),
+// never sent by the client.
 type ProductResolver interface {
-	Resolve(sku string) (amountMinor int64, currency, subject, bizCode string, err error)
+	Resolve(sku, currency string) (amountMinor int64, subject, bizCode string, err error)
 }
 
 // WebhookEnqueuer receives a domain payload to deliver to the business system.
@@ -72,14 +75,19 @@ type OrderResult struct {
 // account, persists a pending Order + Attempt (P1 OrderStore), and returns the
 // payment session {render_type, payload}. 加渠道不改 client(设计 §4.2)。
 func (g *Gateway) CreateOrder(ctx context.Context, in CreateOrderInput) (*OrderResult, error) {
-	amountMinor, currency, subject, bizCode, err := g.products.Resolve(in.SKU)
-	if err != nil {
-		return nil, err // ErrProductNotFound
-	}
 	prov, err := g.providers.Get(in.Method)
 	if err != nil {
 		return nil, err // ErrUnknownMethod
 	}
+	caps := prov.Capabilities()
+	if len(caps.SettleCurrencies) == 0 {
+		return nil, ErrNoSettleCurrency
+	}
+	currency := caps.SettleCurrencies[0] // 结算币种由渠道自述能力驱动(设计 §4.1)
+	amountMinor, subject, bizCode, err := g.products.Resolve(in.SKU, currency)
+	if err != nil {
+		return nil, err // ErrProductNotFound(含"该币种无价")
+	}
 	outNo := util.NewOutTradeNo("pay")
 	acct, err := g.picker.Pick(in.Method, g.region, accounts.PickHint{
 		OutTradeNo: outNo, AmountMinor: amountMinor,
@@ -154,6 +162,11 @@ func (g *Gateway) RetryOrder(ctx context.Context, outTradeNo, method string) (*O
 	if err != nil {
 		return nil, err
 	}
+	caps := prov.Capabilities()
+	if len(caps.SettleCurrencies) == 0 || caps.SettleCurrencies[0] != o.Currency {
+		// 换到结算币种不同的渠道重试 = 需重定价,超出 P3 范围(P5 多币种路由)。
+		return nil, ErrCurrencyMismatch
+	}
 	tried, err := g.orders.AttemptAccountIDs(outTradeNo, method)
 	if err != nil {
 		return nil, err
diff --git a/internal/gateway/gateway_test.go b/internal/gateway/gateway_test.go
index 4ec78c7..b7e49e0 100644
--- a/internal/gateway/gateway_test.go
+++ b/internal/gateway/gateway_test.go
@@ -18,11 +18,19 @@ import (
 
 type stubResolver struct{}
 
-func (stubResolver) Resolve(sku string) (int64, string, string, string, error) {
+func (stubResolver) Resolve(sku, currency string) (int64, string, string, error) {
 	if sku != "pro_year" {
-		return 0, "", "", "", gateway.ErrProductNotFound
+		return 0, "", "", gateway.ErrProductNotFound
+	}
+	// 结算币种驱动金额:USDT 6 位, 其余按分。测试只用 fake(USDT)。
+	switch currency {
+	case "USDT":
+		return 29990000, "Pro 年付", "pro_year", nil
+	case "CNY":
+		return 19900, "Pro 年付", "pro_year", nil
+	default:
+		return 0, "", "", gateway.ErrProductNotFound
 	}
-	return 29990000, "USDT", "Pro 年付", "pro_year", nil
 }
 
 type spyEnqueuer struct {
@@ -152,3 +160,15 @@ func TestRetrySwitchesAccount(t *testing.T) {
 		t.Fatalf("retry 应换到 fake-a2, got %+v", pend)
 	}
 }
+
+func TestCreateOrderCurrencyFromChannelCapability(t *testing.T) {
+	g, _, _, orders := newGateway(t) // fake provider, SettleCurrencies=["USDT"]
+	res, err := g.CreateOrder(context.Background(), gateway.CreateOrderInput{SKU: "pro_year", Method: "fake"})
+	if err != nil {
+		t.Fatalf("create: %v", err)
+	}
+	o, _ := orders.GetOrder(res.OrderNo)
+	if o.Currency != "USDT" || o.AmountMinor != 29990000 {
+		t.Fatalf("order = %s/%d want USDT/29990000", o.Currency, o.AmountMinor)
+	}
+}
diff --git a/internal/gateway/product.go b/internal/gateway/product.go
index 2ee0ec7..dce3e4b 100644
--- a/internal/gateway/product.go
+++ b/internal/gateway/product.go
@@ -9,33 +9,38 @@ import (
 	"github.com/wangjia/pay/internal/money"
 )
 
-// DBProductResolver resolves a SKU (product biz_code) against the products table.
-// v1 Product.Price is a "元" string; we parse it into int64 minor units for the
-// given settlement currency. 加币种维度到 product 是 P3+ 的事;P2 用单一默认币种。
-type DBProductResolver struct {
-	db       *gorm.DB
-	currency string
-}
+// DBProductResolver 按 biz_code 解析套餐,金额取给定结算币种的权威价。
+// 优先查 ProductPrice(分币种 int64 价);该币种无行且币种=CNY 时回退 Product.Price(v1 元 string)。
+type DBProductResolver struct{ db *gorm.DB }
 
-func NewDBProductResolver(db *gorm.DB, currency string) *DBProductResolver {
-	if currency == "" {
-		currency = "CNY"
-	}
-	return &DBProductResolver{db: db, currency: currency}
-}
+func NewDBProductResolver(db *gorm.DB) *DBProductResolver { return &DBProductResolver{db: db} }
 
-func (r *DBProductResolver) Resolve(sku string) (int64, string, string, string, error) {
+func (r *DBProductResolver) Resolve(sku, currency string) (int64, string, string, error) {
 	var p model.Product
 	err := r.db.Where("biz_code = ? AND active = ?", sku, true).First(&p).Error
 	if errors.Is(err, gorm.ErrRecordNotFound) {
-		return 0, "", "", "", ErrProductNotFound
+		return 0, "", "", ErrProductNotFound
 	}
 	if err != nil {
-		return 0, "", "", "", err
+		return 0, "", "", err
 	}
-	minor, err := money.Parse(p.Price, r.currency)
-	if err != nil {
-		return 0, "", "", "", err
+	// 1) 分币种权威价
+	var pp model.ProductPrice
+	err = r.db.Where("product_id = ? AND currency = ?", p.ID, currency).First(&pp).Error
+	if err == nil {
+		return pp.AmountMinor, p.Name, p.BizCode, nil
 	}
-	return minor, r.currency, p.Name, p.BizCode, nil
+	if !errors.Is(err, gorm.ErrRecordNotFound) {
+		return 0, "", "", err
+	}
+	// 2) 回退:仅 CNY 用 v1 Product.Price(元 string)
+	if currency == "CNY" && p.Price != "" {
+		minor, perr := money.Parse(p.Price, "CNY")
+		if perr != nil {
+			return 0, "", "", perr
+		}
+		return minor, p.Name, p.BizCode, nil
+	}
+	// 该套餐不支持此结算币种
+	return 0, "", "", ErrProductNotFound
 }
diff --git a/internal/gateway/product_test.go b/internal/gateway/product_test.go
index d30c053..02801f5 100644
--- a/internal/gateway/product_test.go
+++ b/internal/gateway/product_test.go
@@ -3,31 +3,54 @@ package gateway_test
 import (
 	"testing"
 
-	"github.com/glebarez/sqlite"
-	"gorm.io/gorm"
-	"gorm.io/gorm/logger"
-
 	"github.com/wangjia/pay/internal/gateway"
 	"github.com/wangjia/pay/internal/model"
 )
 
 func TestDBProductResolver(t *testing.T) {
-	db, err := gorm.Open(sqlite.Open("file:prodtest?mode=memory&cache=shared"),
-		&gorm.Config{Logger: logger.Default.LogMode(logger.Silent), TranslateError: true})
-	if err != nil {
-		t.Fatalf("open: %v", err)
-	}
-	if err := db.AutoMigrate(&model.Product{}); err != nil {
-		t.Fatalf("migrate: %v", err)
-	}
+	db := model.OpenTestDB(t)
 	db.Create(&model.Product{Name: "标准年付", Price: "299.00", BizCode: "annual_standard", Active: true})
 
-	r := gateway.NewDBProductResolver(db, "CNY")
-	minor, cur, subject, bizCode, err := r.Resolve("annual_standard")
-	if err != nil || minor != 29900 || cur != "CNY" || subject != "标准年付" || bizCode != "annual_standard" {
-		t.Fatalf("resolve = %d %s %s %s %v", minor, cur, subject, bizCode, err)
+	r := gateway.NewDBProductResolver(db)
+	minor, subject, bizCode, err := r.Resolve("annual_standard", "CNY")
+	if err != nil || minor != 29900 || subject != "标准年付" || bizCode != "annual_standard" {
+		t.Fatalf("resolve = %d %s %s %v", minor, subject, bizCode, err)
 	}
-	if _, _, _, _, err := r.Resolve("ghost"); err != gateway.ErrProductNotFound {
+	if _, _, _, err := r.Resolve("ghost", "CNY"); err != gateway.ErrProductNotFound {
 		t.Fatalf("缺套餐应 ErrProductNotFound, got %v", err)
 	}
 }
+
+func TestDBProductResolverMultiCurrency(t *testing.T) {
+	db := model.OpenTestDB(t)
+	// 一个套餐:CNY 走 v1 Price 元 string 回退;USD/USDT 走 ProductPrice。
+	p := model.Product{Name: "Pro 年付", Price: "199.00", BizCode: "pro_year", Active: true, MerchantID: 1}
+	if err := db.Create(&p).Error; err != nil {
+		t.Fatal(err)
+	}
+	rows := []model.ProductPrice{
+		{ProductID: p.ID, Currency: "USD", AmountMinor: 2999},
+		{ProductID: p.ID, Currency: "USDT", AmountMinor: 29990000},
+	}
+	if err := db.Create(&rows).Error; err != nil {
+		t.Fatal(err)
+	}
+	r := gateway.NewDBProductResolver(db)
+
+	// CNY 回退 Product.Price("199.00" 元 → 19900 分)
+	if amt, _, code, err := r.Resolve("pro_year", "CNY"); err != nil || amt != 19900 || code != "pro_year" {
+		t.Fatalf("CNY resolve = %d,%q,%v want 19900,pro_year,nil", amt, code, err)
+	}
+	// USD 走 ProductPrice
+	if amt, _, _, err := r.Resolve("pro_year", "USD"); err != nil || amt != 2999 {
+		t.Fatalf("USD resolve = %d,%v want 2999", amt, err)
+	}
+	// USDT 走 ProductPrice
+	if amt, _, _, err := r.Resolve("pro_year", "USDT"); err != nil || amt != 29990000 {
+		t.Fatalf("USDT resolve = %d,%v want 29990000", amt, err)
+	}
+	// 不支持的币种 → ErrProductNotFound
+	if _, _, _, err := r.Resolve("pro_year", "JPY"); err != gateway.ErrProductNotFound {
+		t.Fatalf("JPY resolve err = %v want ErrProductNotFound", err)
+	}
+}
diff --git a/internal/handler/gateway_test.go b/internal/handler/gateway_test.go
index 55aaf36..d23576f 100644
--- a/internal/handler/gateway_test.go
+++ b/internal/handler/gateway_test.go
@@ -25,8 +25,8 @@ func (nopEnqueuer) Enqueue(string, string, string, map[string]any) error { retur
 
 type oneResolver struct{}
 
-func (oneResolver) Resolve(sku string) (int64, string, string, string, error) {
-	return 29990000, "USDT", "Pro 年付", "pro_year", nil
+func (oneResolver) Resolve(sku, currency string) (int64, string, string, error) {
+	return 29990000, "Pro 年付", "pro_year", nil
 }
 
 func buildEngine(t *testing.T) *gin.Engine {
diff --git a/internal/model/product_price.go b/internal/model/product_price.go
new file mode 100644
index 0000000..8d9ab20
--- /dev/null
+++ b/internal/model/product_price.go
@@ -0,0 +1,11 @@
+package model
+
+// ProductPrice 是套餐的分币种权威价目(int64 最小单位,与 money 口径一致)。
+// v1 Product.Price(元 string)保留为 CNY 默认价:某币种无此表行且币种=CNY 时回退解析 Price。
+// 新增 USD/USDT 等结算币种只需往本表插行,不动 Product。
+type ProductPrice struct {
+	Base
+	ProductID   uint64 `gorm:"uniqueIndex:uq_product_currency;not null" json:"product_id"`
+	Currency    string `gorm:"uniqueIndex:uq_product_currency;size:16;not null" json:"currency"`
+	AmountMinor int64  `gorm:"not null" json:"amount_minor"`
+}
diff --git a/internal/model/testdb.go b/internal/model/testdb.go
index 7be7bdc..6fa61c5 100644
--- a/internal/model/testdb.go
+++ b/internal/model/testdb.go
@@ -26,7 +26,8 @@ func OpenTestDB(t *testing.T) *gorm.DB {
 	if err != nil {
 		t.Fatalf("open test db: %v", err)
 	}
-	if err := db.AutoMigrate(&OrderV2{}, &Attempt{}, &Account{}, &Refund{}, &WebhookDelivery{}); err != nil {
+	if err := db.AutoMigrate(&OrderV2{}, &Attempt{}, &Account{}, &Refund{}, &WebhookDelivery{},
+		&Product{}, &ProductPrice{}); err != nil {
 		t.Fatalf("migrate: %v", err)
 	}
 	sqlDB, _ := db.DB()
diff --git a/main.go b/main.go
index 9556690..e46f71f 100644
--- a/main.go
+++ b/main.go
@@ -50,7 +50,7 @@ func main() {
 		return o.Status == model.OrderPaidV2, nil
 	})
 	notifier.Start(60 * time.Second)
-	productResolver := gateway.NewDBProductResolver(db, "CNY") // 币种按部署区配(cn=CNY / global=USDT)
+	productResolver := gateway.NewDBProductResolver(db) // 币种由下单渠道结算能力驱动(设计 §4.1)
 	acctReg := accounts.New(config.C.Accounts)
 	// P5 多账户路由:按 config.routing.<channel> 选策略(缺省 round_robin)。
 	// limit_aware 用量数据源 P6 对账就绪前用空源(NopUsage,退化为 round_robin)。
@@ -103,6 +103,7 @@ func autoMigrate(db *gorm.DB) {
 	if err := db.AutoMigrate(
 		&model.Merchant{},
 		&model.Product{},
+		&model.ProductPrice{},
 		&model.Order{},
 		&model.NotifyLog{},
 		&model.BizNotifyLog{},