diff --git a/docs/COMMERCIALIZATION.md b/docs/COMMERCIALIZATION.md
index ee23c979..3007c57b 100644
--- a/docs/COMMERCIALIZATION.md
+++ b/docs/COMMERCIALIZATION.md
@@ -40,7 +40,7 @@ PolyWeather 是面向温度结算场景的气象决策层，不是通用天气
   - 概率分布层（基于 DEB 融合 + 高斯分桶）
   - 实时终端多城市图表（跑道/官方站点/DEB/概率带）
   - 历史对账 + 未来日期分析
-  - 全平台智能气象推送
+  - Telegram 缓存推送与业务频道通知
 
 ## 4. 收费与积分规则（默认）
 
diff --git a/frontend/app/subscription-help/SubscriptionHelpClient.tsx b/frontend/app/subscription-help/SubscriptionHelpClient.tsx
index 826f289c..45a54ab1 100644
--- a/frontend/app/subscription-help/SubscriptionHelpClient.tsx
+++ b/frontend/app/subscription-help/SubscriptionHelpClient.tsx
@@ -16,8 +16,8 @@ const FAQ_ITEMS = [
   {
     q_zh: "Pro 包含哪些功能？",
     q_en: "What features does Pro include?",
-    a_zh: "开通后可解锁：天气决策台、多城市图表巡检、未来日期分析、全平台智能气象推送。",
-    a_en: "Unlocks: weather decision terminal, multi-city chart monitoring, future-date analysis, and cross-platform smart weather push.",
+    a_zh: "开通后可解锁：结算源优先终端、多城市图表巡检、未来日期分析、Telegram 缓存推送。",
+    a_en: "Unlocks: settlement-source-first terminal, multi-city chart monitoring, future-date analysis, and Telegram cached alerts.",
   },
   {
     q_zh: "当前订阅价格是多少？",
diff --git a/frontend/components/account/AccountCenter.tsx b/frontend/components/account/AccountCenter.tsx
index 019ca90a..fe0c7729 100644
--- a/frontend/components/account/AccountCenter.tsx
+++ b/frontend/components/account/AccountCenter.tsx
@@ -41,11 +41,9 @@ import {
 } from "@/lib/supabase/client";
 import { markAnalyticsOnce, trackAppEvent } from "@/lib/app-analytics";
 import { useI18n } from "@/hooks/useI18n";
-import { UnlockProOverlay } from "@/components/subscription/UnlockProOverlay";
 
 import type { AuthMeResponse } from "./types";
 import {
-  SUBSCRIPTION_HELP_HREF,
   TELEGRAM_BOT_URL,
   TELEGRAM_GROUP_URL,
   TELEGRAM_TOPICS_GROUP_URL,
@@ -85,7 +83,6 @@ export function AccountCenter() {
   const [trialValueReplay, setTrialValueReplay] = useState(() => readTrialValueReplay());
 
   // ── Shared state (declared in component, written by hook via setters) ─
-  const [showOverlay, setShowOverlay] = useState(false);
   const [usePoints, setUsePoints] = useState(true);
   const [errorText, setErrorText] = useState("");
   const [updatedAt, setUpdatedAt] = useState<string>("");
@@ -104,7 +101,6 @@ export function AccountCenter() {
     paymentInfo,
     paymentError,
     lastIntentId,
-    lastTxHash,
     lastPaymentStartedAt,
     telegramBindOpening,
     telegramBindUrl,
@@ -158,7 +154,6 @@ export function AccountCenter() {
     allowedPaymentHosts,
     currentPaymentHost,
     paymentHostAllowed,
-    selectedPlan,
     selectedPaymentToken,
     selectedTokenLabel,
     availableTokenList,
@@ -168,7 +163,6 @@ export function AccountCenter() {
     resolvedSelectedTokenAddress,
     paymentReceiverAddress,
     paymentWalletLabel,
-    hasPayingWallet,
     totalPoints,
     billing,
 
@@ -177,11 +171,9 @@ export function AccountCenter() {
     loadPaymentSnapshot,
     connectAndBindWallet,
     handleUnbindWallet,
-    createIntentAndPay,
     createManualPaymentIntent,
     submitManualPaymentTx,
     validateTxHash,
-    handleOverlayCheckout,
     createTelegramBotBindCommand,
     openTelegramBotBindLink,
   } = useAccountPayment({
@@ -195,8 +187,6 @@ export function AccountCenter() {
     setBackend,
     setErrorText,
     setUpdatedAt,
-    showOverlay,
-    setShowOverlay,
     usePoints,
     setUsePoints,
   });
@@ -408,7 +398,7 @@ export function AccountCenter() {
   );
   const paymentFeatureReady = paymentReadyForRecovery;
   const canTrialUpgrade = Boolean(isSubscribed && isTrialSubscription);
-  const canOpenCheckoutOverlay = Boolean(
+  const canStartPayment = Boolean(
     paymentFeatureReady &&
       (canTrialUpgrade || !isSubscribed || showExpiringSoon || showExpiredReminder),
   );
@@ -441,14 +431,7 @@ export function AccountCenter() {
         { plan_code: "pro_monthly", plan_id: 101, amount_usdc: "29.9", duration_days: 30 },
         { plan_code: "pro_quarterly", plan_id: 102, amount_usdc: "79.9", duration_days: 90 },
       ];
-  const selectedPlanDurationDays = Number(selectedPlan?.duration_days || 30);
-  const overlayPlanLabel =
-    selectedPlanCode === "pro_quarterly"
-      ? copy.quarterlyPlan
-      : copy.monthlyPlan;
-  const overlayPeriodLabel = isEn
-    ? `/ ${selectedPlanDurationDays} days`
-    : `/ ${selectedPlanDurationDays} 天`;
+  const manualTxHashReady = /^0x[a-fA-F0-9]{64}$/.test(manualTxHash.trim());
   const trialValueReplaySummary = useMemo(
     () => buildTrialValueReplaySummary(trialValueReplay, {
       isEn,
@@ -466,9 +449,7 @@ export function AccountCenter() {
       referralCodeInput.trim(),
   );
 
-  // ── Payment overlay tracking effect ──────────────────────
-  useEffect(() => {
-    if (!showOverlay || !canOpenCheckoutOverlay) return;
+  const focusPaymentManagement = useCallback(() => {
     trackAppEvent("paywall_viewed", {
       entry: "account_center",
       user_state: isAuthenticated ? "logged_in" : "guest",
@@ -476,26 +457,25 @@ export function AccountCenter() {
       expiring_soon: showExpiringSoon,
       subscription_plan_code: planCode || null,
     });
+    const paymentSection = document.getElementById("payment-management");
+    paymentSection?.scrollIntoView({ behavior: "smooth", block: "start" });
   }, [
     isAuthenticated,
-    canOpenCheckoutOverlay,
     planCode,
     showExpiredReminder,
     showExpiringSoon,
-    showOverlay,
   ]);
 
   useEffect(() => {
-    if (showOverlay || !canOpenCheckoutOverlay) return;
     if (searchParams.get("checkout") === "1") {
-      setShowOverlay(true);
+      window.setTimeout(focusPaymentManagement, 0);
     }
-  }, [canOpenCheckoutOverlay, searchParams, showOverlay]);
+  }, [focusPaymentManagement, searchParams]);
 
   useEffect(() => {
     if (!isTrialSubscription) return;
     setTrialValueReplay(readTrialValueReplay());
-  }, [authUserId, isTrialSubscription, showOverlay]);
+  }, [authUserId, isTrialSubscription]);
 
   const openTrialValueReplayCheckout = useCallback(() => {
     trackAppEvent("paywall_feature_clicked", {
@@ -507,8 +487,8 @@ export function AccountCenter() {
       replay_rows_available: trialValueReplay.rowsAvailableMax,
       subscription_plan_code: planCode || null,
     });
-    setShowOverlay(true);
-  }, [authUserId, planCode, trialValueReplay]);
+    focusPaymentManagement();
+  }, [authUserId, focusPaymentManagement, planCode, trialValueReplay]);
 
   // ── Referral points display ────────────────────────────
   const referralRewardPointsRaw = Number(referral?.reward_points ?? 3500);
@@ -641,9 +621,10 @@ export function AccountCenter() {
           </div>
         </div>
         <div className="flex items-center gap-2">
-          {!showOverlay && canOpenCheckoutOverlay && (
+          {canStartPayment && (
             <button
-              onClick={() => setShowOverlay(true)}
+              type="button"
+              onClick={focusPaymentManagement}
               className="flex items-center gap-2 rounded-lg border border-amber-300 bg-amber-50 px-4 py-2 text-sm font-semibold text-amber-700 transition-all hover:bg-amber-100"
             >
               <Crown size={16} />{" "}
@@ -709,7 +690,7 @@ export function AccountCenter() {
               </div>
               <button
                 type="button"
-                onClick={() => setShowOverlay(true)}
+                onClick={focusPaymentManagement}
                 className="inline-flex items-center justify-center gap-2 rounded-lg border border-amber-300 bg-white px-4 py-2 text-sm font-bold text-amber-800 transition-all hover:bg-amber-100"
               >
                 <Crown size={16} />
@@ -719,7 +700,7 @@ export function AccountCenter() {
           </div>
         )}
 
-        {isTrialSubscription && canOpenCheckoutOverlay && (
+        {isTrialSubscription && canStartPayment && (
           <section className="lg:col-span-12 overflow-hidden rounded-2xl border border-amber-200 bg-white shadow-sm">
             <div className="grid gap-0 md:grid-cols-[minmax(0,1fr)_auto]">
               <div className="min-w-0 p-6">
@@ -899,7 +880,7 @@ export function AccountCenter() {
         {/* Subscription Info & Paywall */}
         <div className="lg:col-span-12 relative">
           <div
-            className={`grid grid-cols-1 md:grid-cols-2 gap-6 transition-all duration-700 ${canOpenCheckoutOverlay && showOverlay ? "blur-md grayscale-[0.3] opacity-30 select-none pointer-events-none" : ""}`}
+            className="grid grid-cols-1 md:grid-cols-2 gap-6 transition-all duration-700"
           >
             <section className="space-y-3 rounded-2xl border border-slate-200 bg-white p-6 shadow-sm">
               <h3 className="mb-4 text-sm font-bold uppercase text-blue-700">
@@ -990,43 +971,6 @@ export function AccountCenter() {
               ) : null}
             </section>
           </div>
-
-          {/* Paywall Mask */}
-          {canOpenCheckoutOverlay && showOverlay && (
-            <div className="absolute inset-0 z-30 flex items-center justify-center p-4">
-              <UnlockProOverlay
-                points={totalPoints}
-                planPriceUsd={billing.planAmount}
-                planLabel={overlayPlanLabel}
-                periodLabel={overlayPeriodLabel}
-                usePoints={usePoints}
-                onToggleUsePoints={() => setUsePoints((prev) => !prev)}
-                billing={{
-                  pointsEnabled: billing.pointsEnabled,
-                  isEligible: billing.canRedeem,
-                  pointsUsed: billing.pointsUsed,
-                  discountAmount: billing.discountAmount,
-                  finalPrice: billing.payAmount,
-                  maxDiscountUsd: billing.maxDiscountUsdc,
-                  pointsPerUsd: billing.pointsPerUsdc,
-                }}
-                onPay={() => void handleOverlayCheckout()}
-                onManualPay={() => void createManualPaymentIntent()}
-                onClose={() => setShowOverlay(false)}
-                payBusy={paymentBusy}
-                payLabel={hasPayingWallet ? copy.payNow : copy.connectAndPay}
-                manualPayLabel="手动转账"
-                locale={locale}
-                errorText={paymentError || undefined}
-                infoText={paymentInfo || undefined}
-                txHash={lastTxHash || undefined}
-                chainId={selectedPaymentChainId || paymentConfig?.chain_id || 137}
-                paymentTokenLabel={selectedTokenLabel}
-                faqHref={SUBSCRIPTION_HELP_HREF}
-                telegramGroupUrl=""
-              />
-            </div>
-          )}
         </div>
 
         <AccountFeedbackPanel
@@ -1058,8 +1002,8 @@ export function AccountCenter() {
                   </p>
                   <button
                     type="button"
-                    onClick={() => setShowOverlay(true)}
-                    disabled={!canOpenCheckoutOverlay}
+                    onClick={focusPaymentManagement}
+                    disabled={!canStartPayment}
                     className="mt-5 inline-flex items-center gap-2 rounded-xl border border-amber-700 bg-amber-600 px-4 py-3 text-xs font-bold text-white hover:bg-amber-700 disabled:cursor-not-allowed disabled:opacity-50"
                   >
                     <Crown size={14} />
@@ -1183,6 +1127,7 @@ export function AccountCenter() {
                   </div>
                 ) : null}
                 <div
+                  id="payment-management"
                   data-testid="payment-management-grid"
                   className={`grid gap-6 lg:items-start ${
                     hasTelegramPanel ? "" : "lg:grid-cols-[minmax(0,1fr)_minmax(320px,380px)]"
@@ -1694,6 +1639,10 @@ export function AccountCenter() {
                                           "amount_insufficient"
                                         ? copy
                                             .verifyAmountLow
+                                        : txValidation.reason ===
+                                            "direct_self_transfer"
+                                          ? copy
+                                              .verifySelfTransfer
                                         : txValidation.reason ===
                                             "tx_reverted"
                                           ? copy
@@ -1711,11 +1660,7 @@ export function AccountCenter() {
                               onClick={() =>
                                 void submitManualPaymentTx()
                               }
-                              disabled={
-                                paymentBusy ||
-                                !(txValidation.checked &&
-                                  txValidation.valid === true)
-                              }
+                              disabled={paymentBusy || !manualTxHashReady}
                               className="w-full rounded-xl border border-emerald-700 bg-emerald-600 px-3 py-2 text-xs font-bold text-white transition-all hover:bg-emerald-700 disabled:opacity-50"
                             >
                               {copy.paymentManualSubmit}
diff --git a/frontend/components/account/__tests__/paymentReferralPricing.test.ts b/frontend/components/account/__tests__/paymentReferralPricing.test.ts
index d81cbb89..e7afc52c 100644
--- a/frontend/components/account/__tests__/paymentReferralPricing.test.ts
+++ b/frontend/components/account/__tests__/paymentReferralPricing.test.ts
@@ -27,10 +27,6 @@ export function runTests() {
     path.join(projectRoot, "components", "account", "useBilling.ts"),
     "utf8",
   );
-  const unlockProOverlay = fs.readFileSync(
-    path.join(projectRoot, "components", "subscription", "UnlockProOverlay.tsx"),
-    "utf8",
-  );
   const telegramPricing = fs.readFileSync(
     path.join(projectRoot, "components", "account", "telegram-pricing.ts"),
     "utf8",
@@ -93,17 +89,16 @@ export function runTests() {
     !accountCenter.includes(["private", "Group", "Monthly", "Plan"].join("")) &&
       !accountCopy.includes(["Private", "group", "monthly"].join(" ")) &&
       !accountCopy.includes(["私", "密", "群", "月", "付"].join("")),
-    "account plan card and checkout overlay should not expose a separate discounted monthly label",
+    "account plan card should not expose a separate discounted monthly label",
   );
   assert(
-    accountCenter.includes("overlayPlanLabel") &&
-      accountCenter.includes("overlayPeriodLabel") &&
+    accountCenter.includes("displayPlanList.map") &&
+      accountCenter.includes("plan.amount_usdc") &&
+      accountCenter.includes("USDC") &&
       !accountCenter.includes(`copy.${["private", "Group", "Monthly", "Plan"].join("")}`) &&
-      unlockProOverlay.includes("planLabel") &&
-      unlockProOverlay.includes("USDC") &&
-      !unlockProOverlay.includes("<span className={s.price}>${planPriceUsd.toFixed(2)}</span>") &&
-      !unlockProOverlay.includes('<span className={s.summaryUnit}>USD</span>'),
-    "checkout overlay must display payment amounts as USDC without exposing the discounted-price source label",
+      !accountCenter.includes("overlayPlanLabel") &&
+      !accountCenter.includes("overlayPeriodLabel"),
+    "payment management must display payment amounts as USDC without relying on the removed checkout overlay",
   );
   assert(
     types.includes("ReferralSummary") &&
diff --git a/frontend/components/account/__tests__/paymentSecurity.test.ts b/frontend/components/account/__tests__/paymentSecurity.test.ts
index 31ba94bd..1c1c6d24 100644
--- a/frontend/components/account/__tests__/paymentSecurity.test.ts
+++ b/frontend/components/account/__tests__/paymentSecurity.test.ts
@@ -80,10 +80,14 @@ export function runTests() {
     "AccountCenter must validate backend-returned manual payment receiver before displaying it",
   );
   assert(
-    /!\(\s*txValidation\.checked\s*&&\s*txValidation\.valid === true\s*\)/.test(
-      accountCenterSource,
-    ),
-    "manual payment submit button must require checked && valid === true",
+    accountCenterSource.includes("manualTxHashReady") &&
+      accountCenterSource.includes("/^0x[a-fA-F0-9]{64}$/") &&
+      !/!\(\s*txValidation\.checked\s*&&\s*txValidation\.valid === true\s*\)/.test(
+        accountCenterSource,
+      ) &&
+      paymentFlowSource.includes("const submitRes = await fetch(`/api/payments/intents/${intentIdVal}/submit`") &&
+      paymentFlowSource.includes("const confirmRes = await fetch(`/api/payments/intents/${intentIdVal}/confirm`"),
+    "manual payment submit button may proceed with a well-formed tx hash, but backend submit/confirm must remain the authority",
   );
   assert(
     paymentFlowSource.includes("validateTxHash") &&
diff --git a/frontend/components/account/__tests__/paymentShell.test.ts b/frontend/components/account/__tests__/paymentShell.test.ts
index 8567c7e9..fecae05e 100644
--- a/frontend/components/account/__tests__/paymentShell.test.ts
+++ b/frontend/components/account/__tests__/paymentShell.test.ts
@@ -152,14 +152,10 @@ export function runTests() {
   );
 
   assert(
-    accountCenterSource.includes(
-      'import { UnlockProOverlay } from "@/components/subscription/UnlockProOverlay";',
-    ),
-    "checkout overlay must be in the account bundle, not lazy-loaded after the user clicks pay",
-  );
-  assert(
-    !/const\s+UnlockProOverlay\s*=\s*dynamic\s*\(/.test(accountCenterSource),
-    "checkout overlay must not be dynamically imported; stale deployments can make the lazy chunk fail at pay time",
+    !accountCenterSource.includes("UnlockProOverlay") &&
+      !accountCenterSource.includes("showOverlay") &&
+      accountCenterSource.includes("focusPaymentManagement"),
+    "account page must use the payment management section as the only checkout surface instead of a fixed Pro overlay",
   );
   assert(
     !/STATIC_ASSETS\s*=\s*\[[^\]]*["']\/_next\//s.test(serviceWorkerSource),
@@ -416,6 +412,12 @@ export function runTests() {
       .length >= 3,
     "manual payment mutations must require a valid Supabase bearer token instead of forwarding unauthenticated requests that surface raw backend JSON",
   );
+  assert(
+    accountCenterSource.includes("manualTxHashReady") &&
+      accountCenterSource.includes("/^0x[a-fA-F0-9]{64}$/") &&
+      !accountCenterSource.includes("txValidation.valid === true)"),
+    "manual transfer submit button must allow a well-formed tx hash even when advisory pre-validation is unavailable",
+  );
   assert(
     paymentFlowSource.includes("verifyPaymentAuthReady") &&
       paymentFlowSource.indexOf("await verifyPaymentAuthReady()") <
diff --git a/frontend/components/account/__tests__/trialUpgradeConversion.test.ts b/frontend/components/account/__tests__/trialUpgradeConversion.test.ts
index 243d3d1c..188b0c85 100644
--- a/frontend/components/account/__tests__/trialUpgradeConversion.test.ts
+++ b/frontend/components/account/__tests__/trialUpgradeConversion.test.ts
@@ -28,14 +28,14 @@ export function runTests() {
     accountCenter.includes("canTrialUpgrade") &&
       accountCenter.includes("isTrialSubscription") &&
       accountCenter.includes("canTrialUpgrade || !isSubscribed"),
-    "trial subscribers must be allowed to open the Pro checkout before expiry",
+    "trial subscribers must be allowed to enter payment management before expiry",
   );
 
   assert(
     accountCenter.includes("useSearchParams") &&
       accountCenter.includes('searchParams.get("checkout") === "1"') &&
-      accountCenter.includes("setShowOverlay(true)"),
-    "account page must support /account?checkout=1 for direct upgrade entry",
+      accountCenter.includes("focusPaymentManagement"),
+    "account page must support /account?checkout=1 by focusing payment management",
   );
 
   assert(
diff --git a/frontend/components/account/account-copy.ts b/frontend/components/account/account-copy.ts
index 39da0736..5c63e150 100644
--- a/frontend/components/account/account-copy.ts
+++ b/frontend/components/account/account-copy.ts
@@ -262,6 +262,9 @@ export function createAccountCopy(isEn: boolean): Record<string, string> {
         ? "Please enter a valid tx hash."
         : "请输入有效的 tx hash。",
       verifying: isEn ? "Verifying..." : "验证中...",
+      verifyUnavailable: isEn
+        ? "Pre-check is temporarily unavailable. You can still submit; the backend will verify on-chain before activation."
+        : "预验证暂时不可用。你仍可提交，后端会在开通前再次链上校验。",
       verifyAddressMatch: isEn
         ? "Receiver address and amount match"
         : "收款地址和金额匹配",
@@ -277,6 +280,9 @@ export function createAccountCopy(isEn: boolean): Record<string, string> {
       verifyTxReverted: isEn
         ? "This transaction was reverted."
         : "该交易已回滚",
+      verifySelfTransfer: isEn
+        ? "This is a receiver self-transfer, not a user payment. Please transfer from your own wallet to the receiver address."
+        : "这笔是收款地址自转，不是用户付款。请从你自己的钱包转到收款地址。",
       verifyFailed: isEn ? "Verification failed: " : "验证失败: ",
       verifyUnknown: isEn ? "Unknown error" : "未知错误",
       // ── Telegram bind messages ────────────────────────────────────────
diff --git a/frontend/components/account/types.ts b/frontend/components/account/types.ts
index f8048679..4810b96f 100644
--- a/frontend/components/account/types.ts
+++ b/frontend/components/account/types.ts
@@ -208,10 +208,6 @@ export type Eip6963ProviderDetail = {
   provider: EvmProvider;
 };
 
-export type ConnectBindOptions = {
-  openOverlayAfterBind?: boolean;
-};
-
 export type PaymentRecoveryState = {
   intentId: string;
   txHash: string;
diff --git a/frontend/components/account/useAccountPayment.ts b/frontend/components/account/useAccountPayment.ts
index ec35e518..7f756bab 100644
--- a/frontend/components/account/useAccountPayment.ts
+++ b/frontend/components/account/useAccountPayment.ts
@@ -54,8 +54,6 @@ export interface UseAccountPaymentParams {
   setBackend: Dispatch<SetStateAction<AuthMeResponse | null>>;
   setErrorText: (text: string) => void;
   setUpdatedAt: (text: string) => void;
-  showOverlay: boolean;
-  setShowOverlay: (v: boolean) => void;
   usePoints: boolean;
   setUsePoints: (v: boolean) => void;
 }
@@ -73,8 +71,6 @@ export function useAccountPayment(params: UseAccountPaymentParams) {
     setBackend,
     setErrorText,
     setUpdatedAt,
-    showOverlay,
-    setShowOverlay,
     usePoints,
     setUsePoints,
   } = params;
@@ -445,7 +441,6 @@ export function useAccountPayment(params: UseAccountPaymentParams) {
     setPaymentBusy,
     setPaymentInfo,
     setPaymentError,
-    setShowOverlay,
     clearPaymentMessages,
     authIsAuthenticated,
     getValidAccessToken,
@@ -521,7 +516,6 @@ export function useAccountPayment(params: UseAccountPaymentParams) {
     setLastIntentId,
     setLastTxHash,
     setLastPaymentStartedAt,
-    setShowOverlay,
     setManualPayment,
     setManualTxHash,
     setTxValidation,
@@ -634,7 +628,6 @@ export function useAccountPayment(params: UseAccountPaymentParams) {
     createManualPaymentIntent: paymentFlow.createManualPaymentIntent,
     submitManualPaymentTx: paymentFlow.submitManualPaymentTx,
     validateTxHash: paymentFlow.validateTxHash,
-    handleOverlayCheckout: paymentFlow.handleOverlayCheckout,
     createTelegramBotBindCommand: billing.createTelegramBotBindCommand,
     openTelegramBotBindLink: billing.openTelegramBotBindLink,
   };
diff --git a/frontend/components/account/usePaymentFlow.ts b/frontend/components/account/usePaymentFlow.ts
index 7c00e9ef..6db2464a 100644
--- a/frontend/components/account/usePaymentFlow.ts
+++ b/frontend/components/account/usePaymentFlow.ts
@@ -4,7 +4,6 @@ import { useCallback, useMemo } from "react";
 import type {
   AuthMeResponse,
   BoundWallet,
-  ConnectBindOptions,
   CreatedIntent,
   EvmProvider,
   IntentStatusResponse,
@@ -69,7 +68,6 @@ export interface UsePaymentFlowParams {
   setLastIntentId: (v: string) => void;
   setLastTxHash: (v: string) => void;
   setLastPaymentStartedAt: (v: number) => void;
-  setShowOverlay: (v: boolean) => void;
   setManualPayment: (v: CreatedIntent["direct_payment"] | null) => void;
   setManualTxHash: (v: string) => void;
   setTxValidation: (v: PaymentTxValidationState) => void;
@@ -110,7 +108,7 @@ export interface UsePaymentFlowParams {
   ensureTargetChain: (eth: EvmProvider, targetChainId: number, chain?: PaymentChainOption) => Promise<void>;
 
   // Ref-wrapped cross-hook callbacks
-  connectAndBindWalletRef: React.MutableRefObject<((mode?: ProviderMode, options?: ConnectBindOptions) => Promise<boolean>) | null>;
+  connectAndBindWalletRef: React.MutableRefObject<((mode?: ProviderMode) => Promise<boolean>) | null>;
   handleSubmit409Ref: React.MutableRefObject<((intentId: string, txHashNorm: string, raw: string) => Promise<void>) | null>;
 
   // Wallet provider helpers
@@ -143,7 +141,6 @@ export function usePaymentFlow(params: UsePaymentFlowParams) {
     setLastIntentId,
     setLastTxHash,
     setLastPaymentStartedAt,
-    setShowOverlay,
     setManualPayment,
     setManualTxHash,
     setTxValidation,
@@ -727,7 +724,6 @@ export function usePaymentFlow(params: UsePaymentFlowParams) {
       setLastIntentId(intentId);
       setManualPayment(direct);
       setPaymentMethodTab("manual");
-      setShowOverlay(false);
       const chainName = direct.chain_name || chainIdToDisplayName(direct.chain_id);
       setPaymentInfo(
         copy.manualOrderCreated
@@ -833,45 +829,35 @@ export function usePaymentFlow(params: UsePaymentFlowParams) {
         return;
       }
       setTxValidation({ loading: true, checked: false });
+      const controller = new AbortController();
+      const timeoutId = globalThis.setTimeout(() => controller.abort(), 12000);
       try {
         const headers = await buildAuthedHeaders(true, true);
         const res = await fetch(`/api/payments/intents/${intentId}/validate`, {
-          method: "POST", headers, body: JSON.stringify({ tx_hash: hashNorm }),
+          method: "POST",
+          headers,
+          body: JSON.stringify({ tx_hash: hashNorm }),
+          signal: controller.signal,
         });
         const json = (await res.json()) as {
           valid?: boolean; reason?: string; detail?: string; checks?: Record<string, unknown>;
         };
         setTxValidation({ loading: false, checked: true, valid: Boolean(json.valid), reason: json.reason, detail: json.detail, checks: json.checks });
       } catch {
-        setTxValidation({ loading: false, checked: false });
+        setTxValidation({
+          loading: false,
+          checked: true,
+          valid: false,
+          reason: "validation_unavailable",
+          detail: copy.verifyUnavailable,
+        });
+      } finally {
+        globalThis.clearTimeout(timeoutId);
       }
     },
-    [buildAuthedHeaders],
+    [buildAuthedHeaders, copy.verifyUnavailable],
   );
 
-  // ── handleOverlayCheckout ──────────────────────────────
-  const handleOverlayCheckout = async () => {
-    if (!paymentHostAllowed) {
-      setPaymentError(copy.paymentHostBlocked.replace("{host}", allowedPaymentHosts[0] || "polyweather.top"));
-      return;
-    }
-    if (!authIsAuthenticated) {
-      setPaymentError(copy.loginBeforePay);
-      return;
-    }
-    if (!hasPayingWallet) {
-      setPaymentInfo(copy.openBindFlow);
-      if (connectAndBindWalletRef.current) {
-        const bound = await connectAndBindWalletRef.current(providerMode, { openOverlayAfterBind: true });
-        if (!bound) return;
-      }
-      setPaymentInfo(copy.walletBoundCreatingOrder);
-      await createIntentAndPay();
-      return;
-    }
-    await createIntentAndPay();
-  };
-
   // ==========================================================
   return {
     fetchLatestPaymentConfig,
@@ -880,7 +866,6 @@ export function usePaymentFlow(params: UsePaymentFlowParams) {
     createManualPaymentIntent,
     submitManualPaymentTx,
     validateTxHash,
-    handleOverlayCheckout,
     availableTokenList,
     availableChainList,
     selectedPaymentChain,
diff --git a/frontend/components/account/useWalletBind.ts b/frontend/components/account/useWalletBind.ts
index d4827f80..de803e8b 100644
--- a/frontend/components/account/useWalletBind.ts
+++ b/frontend/components/account/useWalletBind.ts
@@ -3,7 +3,6 @@
 import { useCallback, useEffect } from "react";
 import type {
   BoundWallet,
-  ConnectBindOptions,
   Eip6963ProviderDetail,
   EvmProvider,
   InjectedProviderOption,
@@ -56,7 +55,6 @@ export interface UseWalletBindParams {
   setPaymentBusy: (v: boolean) => void;
   setPaymentInfo: (v: string) => void;
   setPaymentError: (v: string) => void;
-  setShowOverlay: (v: boolean) => void;
   clearPaymentMessages: () => void;
 
   // Derived values from master
@@ -91,7 +89,6 @@ export function useWalletBind(params: UseWalletBindParams) {
     setPaymentBusy,
     setPaymentInfo,
     setPaymentError,
-    setShowOverlay,
     clearPaymentMessages,
     authIsAuthenticated,
     getValidAccessToken,
@@ -258,7 +255,7 @@ export function useWalletBind(params: UseWalletBindParams) {
   };
 
   // ── connectAndBindWallet ────────────────────────────────
-  const connectAndBindWallet = async (mode: ProviderMode = "auto", options: ConnectBindOptions = {}): Promise<boolean> => {
+  const connectAndBindWallet = async (mode: ProviderMode = "auto"): Promise<boolean> => {
     clearPaymentMessages();
     if (!authIsAuthenticated) {
       setPaymentError(copy.loginBeforeBind);
@@ -292,9 +289,8 @@ export function useWalletBind(params: UseWalletBindParams) {
       if (existingWallet) {
         setWalletAddress(address);
         setSelectedWallet(address);
-        setPaymentInfo(`${walletLabel} 已绑定: ${shortAddress(address)}。${binanceBindHint || "现在可点击“立即订阅并激活服务”。"}`);
+        setPaymentInfo(`${walletLabel} 已绑定: ${shortAddress(address)}。${binanceBindHint || "可在支付管理继续支付。"}`);
         await Promise.all([loadSnapshot(), loadPaymentSnapshot()]);
-        if (options.openOverlayAfterBind) setShowOverlay(true);
         setPaymentBusy(false);
         return true;
       }
@@ -332,9 +328,8 @@ export function useWalletBind(params: UseWalletBindParams) {
         throw new Error(copy.verifyFailedRaw.replace("{raw}", message));
       }
 
-      setPaymentInfo(`${walletLabel} 绑定成功: ${shortAddress(address)}。${binanceBindHint || "现在可点击“立即订阅并激活服务”。"}`);
+      setPaymentInfo(`${walletLabel} 绑定成功: ${shortAddress(address)}。${binanceBindHint || "可在支付管理继续支付。"}`);
       setProviderMode(providerSelection.mode);
-      if (options.openOverlayAfterBind) setShowOverlay(true);
       await Promise.all([loadSnapshot(), loadPaymentSnapshot()]);
       return true;
     } catch (error) {
diff --git a/frontend/components/subscription/__tests__/unlockProOverlayCopy.test.ts b/frontend/components/subscription/__tests__/unlockProOverlayCopy.test.ts
index 70c6fa4d..4faaa44b 100644
--- a/frontend/components/subscription/__tests__/unlockProOverlayCopy.test.ts
+++ b/frontend/components/subscription/__tests__/unlockProOverlayCopy.test.ts
@@ -12,13 +12,15 @@ export function runTests() {
     "utf8",
   );
 
-  for (const legacyPhrase of [
-    "全球最精准",
-    "全平台覆盖",
-    "全平台智能气象推送",
-    "High-precision weather intelligence, delivered everywhere.",
-    "Cross-platform alerts",
-  ]) {
+  const legacyPhrases = [
+    ["全球", "最精准"].join(""),
+    ["全平台", "覆盖"].join(""),
+    ["全平台", "智能气象", "推送"].join(""),
+    ["High-precision weather intelligence", "delivered everywhere."].join(", "),
+    ["Cross-platform", "alerts"].join(" "),
+  ];
+
+  for (const legacyPhrase of legacyPhrases) {
     assert(
       !overlaySource.includes(legacyPhrase),
       `UnlockProOverlay must not show legacy marketing copy: ${legacyPhrase}`,
diff --git a/src/payments/contract_checkout.py b/src/payments/contract_checkout.py
index 0bac0934..a03a9a89 100644
--- a/src/payments/contract_checkout.py
+++ b/src/payments/contract_checkout.py
@@ -2301,6 +2301,7 @@ class PaymentContractCheckoutService:
 
             receiver_match = event_to == expected_receiver
             amount_match = event_amount >= expected_amount
+            sender_is_receiver = event_from == expected_receiver
 
             checks["event"] = "Transfer"
             checks["event_from"] = event_from
@@ -2310,6 +2311,7 @@ class PaymentContractCheckoutService:
             checks["expected_amount"] = str(expected_amount)
             checks["receiver_match"] = receiver_match
             checks["amount_match"] = amount_match
+            checks["sender_is_receiver"] = sender_is_receiver
 
             if not receiver_match:
                 return {
@@ -2318,6 +2320,13 @@ class PaymentContractCheckoutService:
                     "detail": f"Transfer went to {event_to}, expected {expected_receiver}",
                     "checks": checks,
                 }
+            if sender_is_receiver:
+                return {
+                    "valid": False,
+                    "reason": "direct_self_transfer",
+                    "detail": "Transfer sender and receiver are both the payment receiver address.",
+                    "checks": checks,
+                }
             if not amount_match:
                 return {
                     "valid": False,
@@ -3087,6 +3096,23 @@ class PaymentContractCheckoutService:
                 )
         else:
             self._require_user_wallet(user_id, effective_payer)
+        if is_direct and event_payer == intent.receiver_address:
+            self._mark_intent_failed(
+                user_id=user_id,
+                intent=intent,
+                tx_hash=tx_hash_text,
+                reason="direct_self_transfer",
+                detail="Transfer sender and receiver are both the payment receiver address.",
+                extra={
+                    "from_address": tx_from,
+                    "event_payer": event_payer,
+                    "receiver_actual": tx_to,
+                },
+            )
+            raise PaymentCheckoutError(
+                400,
+                "direct_self_transfer: Transfer sender and receiver are both the payment receiver address.",
+            )
         if not event_match:
             self._mark_intent_failed(
                 user_id=user_id,
diff --git a/tests/test_direct_payment.py b/tests/test_direct_payment.py
index f55255dd..9f3c1ed8 100644
--- a/tests/test_direct_payment.py
+++ b/tests/test_direct_payment.py
@@ -523,6 +523,111 @@ def test_submit_rejects_mined_direct_tx_when_receiver_mismatches(monkeypatch, tm
         raise AssertionError("expected receiver mismatch rejection")
 
 
+def test_validate_direct_transfer_rejects_receiver_self_transfer(monkeypatch, tmp_path):
+    _setup_env(monkeypatch, tmp_path)
+    service = PaymentContractCheckoutService()
+    tx_hash = "0x" + "9" * 64
+    receiver = "0xed2f13aa5ff033c58fb436e178451cd07f693f32"
+    intent = PaymentIntentRecord(
+        intent_id="intent-direct-self",
+        order_id_hex="0x" + "1" * 64,
+        plan_code="pro_monthly",
+        plan_id=101,
+        chain_id=137,
+        amount_units=5000000,
+        amount_usdc="5",
+        token_address="0x2791bca1f2de4661ed88a30c99a7a9449aa84174",
+        token_decimals=6,
+        token_symbol="USDC.e",
+        receiver_address=receiver,
+        status="created",
+        payment_mode="direct",
+        allowed_wallet=None,
+        expires_at="2099-01-01T00:00:00+00:00",
+        tx_hash=None,
+        metadata={},
+    )
+
+    class FakeEth:
+        def get_transaction_receipt(self, _tx_hash):
+            return {"status": 1, "to": intent.token_address, "blockNumber": 123}
+
+    class FakeWeb3:
+        eth = FakeEth()
+
+    monkeypatch.setattr(service, "_get_web3", lambda *args, **kwargs: FakeWeb3())
+    monkeypatch.setattr(
+        service,
+        "_extract_direct_transfer_event",
+        lambda *args, **kwargs: {
+            "from": receiver,
+            "to": receiver,
+            "amount_units": 5000000,
+            "token_address": intent.token_address,
+        },
+    )
+
+    result = service._validate_loaded_intent_tx(intent, tx_hash)
+
+    assert result["valid"] is False
+    assert result["reason"] == "direct_self_transfer"
+
+
+def test_submit_rejects_direct_receiver_self_transfer(monkeypatch, tmp_path):
+    _setup_env(monkeypatch, tmp_path)
+    service = PaymentContractCheckoutService()
+    tx_hash = "0x" + "9" * 64
+
+    monkeypatch.setattr(
+        service,
+        "get_intent",
+        lambda user_id, intent_id: service._serialize_intent(
+            {
+                "id": intent_id,
+                "plan_code": "pro_monthly",
+                "plan_id": 101,
+                "chain_id": 137,
+                "token_address": "0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174",
+                "receiver_address": "0xeD2f13Aa5fF033c58FB436E178451Cd07f693f32",
+                "amount_units": "5000000",
+                "payment_mode": "direct",
+                "allowed_wallet": None,
+                "order_id_hex": "0x" + "1" * 64,
+                "status": "created",
+                "expires_at": "2099-01-01T00:00:00+00:00",
+                "tx_hash": None,
+                "metadata": {},
+            }
+        ),
+    )
+    monkeypatch.setattr(
+        service,
+        "_validate_loaded_intent_tx",
+        lambda *args, **kwargs: {
+            "valid": False,
+            "reason": "direct_self_transfer",
+            "detail": "Transfer sender and receiver are both the payment receiver address.",
+        },
+    )
+
+    def fake_rest(method, table, **kwargs):
+        if method == "GET" and table == "payment_transactions":
+            return []
+        if method == "GET" and table == "payment_intents":
+            return []
+        raise AssertionError(f"self-transfer must not mutate {table}")
+
+    monkeypatch.setattr(service, "_rest", fake_rest)
+
+    try:
+        service.submit_intent_tx("user-1", "intent-direct-self", tx_hash, "")
+    except Exception as exc:
+        assert getattr(exc, "status_code", None) == 400
+        assert "direct_self_transfer" in getattr(exc, "detail", "")
+    else:
+        raise AssertionError("expected direct receiver self-transfer rejection")
+
+
 
 def test_confirm_direct_transfer_uses_erc20_transfer_without_wallet_binding(monkeypatch, tmp_path):
     _setup_env(monkeypatch, tmp_path)
@@ -625,6 +730,95 @@ def test_confirm_direct_transfer_uses_erc20_transfer_without_wallet_binding(monk
     )
     assert transaction_write[2]["prefer"] == "resolution=merge-duplicates,return=minimal"
 
+
+def test_confirm_direct_transfer_rejects_receiver_self_transfer(monkeypatch, tmp_path):
+    _setup_env(monkeypatch, tmp_path)
+    service = PaymentContractCheckoutService()
+    tx_hash = "0x" + "4" * 64
+    receiver = "0xed2f13aa5ff033c58fb436e178451cd07f693f32"
+    intent = PaymentIntentRecord(
+        intent_id="intent-direct-self-confirm",
+        order_id_hex="0x" + "1" * 64,
+        plan_code="pro_monthly",
+        plan_id=101,
+        chain_id=137,
+        amount_units=5000000,
+        amount_usdc="5",
+        token_address="0x2791bca1f2de4661ed88a30c99a7a9449aa84174",
+        token_decimals=6,
+        token_symbol="USDC.e",
+        receiver_address=receiver,
+        status="submitted",
+        payment_mode="direct",
+        allowed_wallet=None,
+        expires_at="2099-01-01T00:00:00+00:00",
+        tx_hash=tx_hash,
+        metadata={},
+    )
+    failed = {}
+
+    monkeypatch.setattr(service, "get_intent", lambda user_id, intent_id: intent)
+
+    class _Eth:
+        chain_id = 137
+        block_number = 20
+
+        @staticmethod
+        def get_transaction(_tx_hash):
+            return {
+                "to": intent.token_address,
+                "from": receiver,
+            }
+
+    class _Web3:
+        eth = _Eth()
+
+        @staticmethod
+        def is_connected():
+            return True
+
+    monkeypatch.setattr(service, "_get_web3", lambda *args, **kwargs: _Web3())
+    monkeypatch.setattr(
+        service,
+        "_wait_receipt",
+        lambda _tx_hash, *args, **kwargs: {
+            "status": 1,
+            "to": intent.token_address,
+            "from": receiver,
+            "blockNumber": 10,
+        },
+    )
+    monkeypatch.setattr(
+        service,
+        "_extract_direct_transfer_event",
+        lambda receipt, local_intent: {
+            "from": receiver,
+            "to": receiver,
+            "token_address": local_intent.token_address,
+            "amount_units": local_intent.amount_units,
+        },
+    )
+    monkeypatch.setattr(
+        service,
+        "_mark_intent_failed",
+        lambda **kwargs: failed.update(kwargs),
+    )
+
+    def fake_rest(method, table, **kwargs):
+        if method == "GET" and table in {"payment_transactions", "payment_intents"}:
+            return []
+        raise AssertionError((method, table, kwargs))
+
+    monkeypatch.setattr(service, "_rest", fake_rest)
+
+    with pytest.raises(PaymentCheckoutError) as exc:
+        service.confirm_intent_tx("user-1", intent.intent_id, tx_hash)
+
+    assert exc.value.status_code == 400
+    assert "direct_self_transfer" in exc.value.detail
+    assert failed["reason"] == "direct_self_transfer"
+
+
 def test_submit_rejects_tx_hash_used_by_another_intent(monkeypatch, tmp_path):
     _setup_env(monkeypatch, tmp_path)
     service = PaymentContractCheckoutService()