diff --git a/.env.example b/.env.example
index 26fce87..7ce631e 100644
--- a/.env.example
+++ b/.env.example
@@ -280,6 +280,9 @@ H5_ACCESS_PASSWORD=change-me
 # H5_COST_ESTIMATE_FROM_TOKENS=1
 # H5_COST_ESTIMATE_INPUT_USD_PER_1M=0.27
 # H5_COST_ESTIMATE_OUTPUT_USD_PER_1M=1.1
+# 上述计费公式也可在 memind_adm「计费中心 → 计量公式」后台覆盖（写入 h5_billing_admin_config）。
+# 设为 env 时强制只读环境变量，禁止后台改写：
+# H5_BILLING_CONFIG_SOURCE=env
 
 # 用户自助充值（微信支付）
 # H5_RECHARGE_TIERS_CENTS=500,1000,3000,5000,10000,20000
diff --git a/billing-admin-config.mjs b/billing-admin-config.mjs
new file mode 100644
index 0000000..9a2c4cc
--- /dev/null
+++ b/billing-admin-config.mjs
@@ -0,0 +1,310 @@
+import { loadBillingConfig } from './billing.mjs';
+
+const CONFIG_TABLE = 'h5_billing_admin_config';
+const CONFIG_SCOPE = 'global';
+const SOURCE_ADMIN_DB = 'admin-db';
+const SOURCE_ENV = 'env';
+const SOURCE_ENV_OVERRIDE = 'env-override';
+const SOURCE_DEFAULT = 'default';
+const CACHE_TTL_MS = 5_000;
+const DEFAULT_ESTIMATE_INPUT_USD_PER_1M = 0.27;
+const DEFAULT_ESTIMATE_OUTPUT_USD_PER_1M = 1.1;
+
+function normalizeBoolean(value, fallback = false) {
+  if (value == null || value === '') return fallback;
+  if (typeof value === 'boolean') return value;
+  const normalized = String(value).trim().toLowerCase();
+  if (['1', 'true', 'yes', 'on'].includes(normalized)) return true;
+  if (['0', 'false', 'no', 'off'].includes(normalized)) return false;
+  return fallback;
+}
+
+function normalizePositiveNumber(value, fallback) {
+  const num = Number(value);
+  if (!Number.isFinite(num) || num <= 0) return fallback;
+  return num;
+}
+
+function normalizeNonNegativeNumber(value, fallback) {
+  const num = Number(value);
+  if (!Number.isFinite(num) || num < 0) return fallback;
+  return num;
+}
+
+function defaultConfigShape(env = process.env) {
+  const billing = loadBillingConfig(env);
+  const costEstimateFromTokens = env.H5_COST_ESTIMATE_FROM_TOKENS !== '0';
+  const inputUsdPer1M = Number(env.H5_COST_ESTIMATE_INPUT_USD_PER_1M ?? DEFAULT_ESTIMATE_INPUT_USD_PER_1M);
+  const outputUsdPer1M = Number(env.H5_COST_ESTIMATE_OUTPUT_USD_PER_1M ?? DEFAULT_ESTIMATE_OUTPUT_USD_PER_1M);
+  return {
+    useBackendCost: billing.useBackendCost,
+    usdCnyRate: billing.usdCnyRate,
+    marginMultiplier: billing.marginMultiplier,
+    inputCentsPer1k: billing.inputCentsPer1k,
+    outputCentsPer1k: billing.outputCentsPer1k,
+    minBillCents: billing.minBillCents,
+    costEstimateFromTokens,
+    costEstimateInputUsdPer1M:
+      Number.isFinite(inputUsdPer1M) && inputUsdPer1M >= 0
+        ? inputUsdPer1M
+        : DEFAULT_ESTIMATE_INPUT_USD_PER_1M,
+    costEstimateOutputUsdPer1M:
+      Number.isFinite(outputUsdPer1M) && outputUsdPer1M >= 0
+        ? outputUsdPer1M
+        : DEFAULT_ESTIMATE_OUTPUT_USD_PER_1M,
+  };
+}
+
+function cloneConfig(config = null, env = process.env) {
+  return structuredClone?.(config ?? defaultConfigShape(env))
+    ?? JSON.parse(JSON.stringify(config ?? defaultConfigShape(env)));
+}
+
+function parseJsonLike(value, fallback) {
+  if (value == null || value === '') return fallback;
+  if (typeof value === 'string') {
+    try {
+      return JSON.parse(value);
+    } catch {
+      return fallback;
+    }
+  }
+  if (typeof value === 'object') return value;
+  return fallback;
+}
+
+function envLocked(env = process.env) {
+  return String(env.H5_BILLING_CONFIG_SOURCE ?? '').trim().toLowerCase() === 'env';
+}
+
+function mergePatch(currentConfig, patch = {}, env = process.env) {
+  const base = defaultConfigShape(env);
+  const next = cloneConfig({ ...base, ...currentConfig }, env);
+  const raw = patch?.config && typeof patch.config === 'object' ? patch.config : patch;
+
+  if ('useBackendCost' in raw) next.useBackendCost = normalizeBoolean(raw.useBackendCost, next.useBackendCost);
+  if ('usdCnyRate' in raw) next.usdCnyRate = normalizePositiveNumber(raw.usdCnyRate, next.usdCnyRate);
+  if ('marginMultiplier' in raw) {
+    next.marginMultiplier = normalizePositiveNumber(raw.marginMultiplier, next.marginMultiplier);
+  }
+  if ('inputCentsPer1k' in raw) {
+    next.inputCentsPer1k = normalizeNonNegativeNumber(raw.inputCentsPer1k, next.inputCentsPer1k);
+  }
+  if ('outputCentsPer1k' in raw) {
+    next.outputCentsPer1k = normalizeNonNegativeNumber(raw.outputCentsPer1k, next.outputCentsPer1k);
+  }
+  if ('minBillCents' in raw) {
+    next.minBillCents = normalizePositiveNumber(raw.minBillCents, next.minBillCents);
+  }
+  if ('costEstimateFromTokens' in raw) {
+    next.costEstimateFromTokens = normalizeBoolean(raw.costEstimateFromTokens, next.costEstimateFromTokens);
+  }
+  if ('costEstimateInputUsdPer1M' in raw) {
+    next.costEstimateInputUsdPer1M = normalizeNonNegativeNumber(
+      raw.costEstimateInputUsdPer1M,
+      next.costEstimateInputUsdPer1M,
+    );
+  }
+  if ('costEstimateOutputUsdPer1M' in raw) {
+    next.costEstimateOutputUsdPer1M = normalizeNonNegativeNumber(
+      raw.costEstimateOutputUsdPer1M,
+      next.costEstimateOutputUsdPer1M,
+    );
+  }
+  return next;
+}
+
+export function toComputeBillingConfig(config) {
+  return {
+    useBackendCost: Boolean(config?.useBackendCost),
+    usdCnyRate: Number(config?.usdCnyRate ?? 7.2),
+    marginMultiplier: Number(config?.marginMultiplier ?? 1),
+    inputCentsPer1k: Number(config?.inputCentsPer1k ?? 2),
+    outputCentsPer1k: Number(config?.outputCentsPer1k ?? 6),
+    minBillCents: Number(config?.minBillCents ?? 1),
+  };
+}
+
+export function toCostEstimateConfig(config) {
+  const useBackendCost = Boolean(config?.useBackendCost);
+  const enabled = useBackendCost && config?.costEstimateFromTokens !== false;
+  return {
+    enabled,
+    inputUsdPer1M: Number(config?.costEstimateInputUsdPer1M ?? 0.27),
+    outputUsdPer1M: Number(config?.costEstimateOutputUsdPer1M ?? 1.1),
+  };
+}
+
+function envLooksCustomized(env = process.env) {
+  return [
+    'H5_USE_BACKEND_COST',
+    'H5_USD_CNY_RATE',
+    'H5_MARGIN_MULTIPLIER',
+    'H5_BILL_INPUT_CENTS_PER_1K',
+    'H5_BILL_OUTPUT_CENTS_PER_1K',
+    'H5_MIN_BILL_CENTS',
+    'H5_COST_ESTIMATE_FROM_TOKENS',
+    'H5_COST_ESTIMATE_INPUT_USD_PER_1M',
+    'H5_COST_ESTIMATE_OUTPUT_USD_PER_1M',
+  ].some((key) => String(env[key] ?? '').trim() !== '');
+}
+
+async function ensureConfigTable(pool) {
+  await pool.query(`
+    CREATE TABLE IF NOT EXISTS ${CONFIG_TABLE} (
+      config_scope VARCHAR(32) PRIMARY KEY,
+      config_json JSON NOT NULL,
+      updated_by CHAR(36) NULL,
+      updated_at BIGINT NOT NULL
+    ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci
+  `);
+}
+
+async function loadStoredState(pool) {
+  await ensureConfigTable(pool);
+  const [rows] = await pool.query(
+    `SELECT config_json, updated_by, updated_at
+       FROM ${CONFIG_TABLE}
+      WHERE config_scope = ?
+      LIMIT 1`,
+    [CONFIG_SCOPE],
+  );
+  const row = rows[0];
+  if (!row) return null;
+  return {
+    config: mergePatch(defaultConfigShape(), parseJsonLike(row.config_json, {})),
+    updatedAt: Number(row.updated_at ?? 0) || null,
+    updatedBy: row.updated_by ?? null,
+  };
+}
+
+export function createBillingAdminConfigService(pool, { env = process.env, cacheTtlMs = CACHE_TTL_MS } = {}) {
+  let cache = null;
+
+  function clearCache() {
+    cache = null;
+  }
+
+  async function loadEffectiveConfig({ bypassCache = false } = {}) {
+    const now = Date.now();
+    if (!bypassCache && cache && now - cache.loadedAt < cacheTtlMs) {
+      return cache.state;
+    }
+
+    if (envLocked(env)) {
+      const state = {
+        config: defaultConfigShape(env),
+        updatedAt: null,
+        updatedBy: null,
+        source: SOURCE_ENV_OVERRIDE,
+      };
+      cache = { loadedAt: now, state };
+      return state;
+    }
+
+    const stored = await loadStoredState(pool);
+    let state;
+    if (stored) {
+      state = {
+        config: cloneConfig(stored.config, env),
+        updatedAt: stored.updatedAt,
+        updatedBy: stored.updatedBy,
+        source: SOURCE_ADMIN_DB,
+      };
+    } else if (envLooksCustomized(env)) {
+      state = {
+        config: defaultConfigShape(env),
+        updatedAt: null,
+        updatedBy: null,
+        source: SOURCE_ENV,
+      };
+    } else {
+      state = {
+        config: defaultConfigShape(env),
+        updatedAt: null,
+        updatedBy: null,
+        source: SOURCE_DEFAULT,
+      };
+    }
+    cache = { loadedAt: now, state };
+    return state;
+  }
+
+  return {
+    async ensureSchema() {
+      await ensureConfigTable(pool);
+    },
+
+    clearCache,
+
+    async getAdminConfig() {
+      const state = await loadEffectiveConfig({ bypassCache: true });
+      return {
+        config: state.config,
+        updatedAt: state.updatedAt,
+        updatedBy: state.updatedBy,
+        source: state.source,
+        envOverrideActive: state.source === SOURCE_ENV_OVERRIDE,
+        formula: '最终扣费 = 上游成本(USD) × 汇率 × 毛利倍数（成本模式）；无上游成本时回退 Token 单价',
+      };
+    },
+
+    async updateAdminConfig(patch = {}, { updatedBy = null } = {}) {
+      if (envLocked(env)) {
+        throw Object.assign(new Error('H5_BILLING_CONFIG_SOURCE=env 时不允许通过后台修改'), {
+          code: 'BILLING_CONFIG_ENV_LOCKED',
+        });
+      }
+      const stored = await loadStoredState(pool);
+      const base = stored?.config ?? defaultConfigShape(env);
+      const nextConfig = mergePatch(base, patch, env);
+      await ensureConfigTable(pool);
+      const now = Date.now();
+      await pool.query(
+        `INSERT INTO ${CONFIG_TABLE}
+          (config_scope, config_json, updated_by, updated_at)
+         VALUES (?, ?, ?, ?)
+         ON DUPLICATE KEY UPDATE
+          config_json = VALUES(config_json),
+          updated_by = VALUES(updated_by),
+          updated_at = VALUES(updated_at)`,
+        [CONFIG_SCOPE, JSON.stringify(nextConfig), updatedBy, now],
+      );
+      clearCache();
+      return this.getAdminConfig();
+    },
+
+    async getRuntimeState() {
+      const state = await loadEffectiveConfig();
+      return {
+        source: state.source,
+        updatedAt: state.updatedAt,
+        updatedBy: state.updatedBy,
+        config: state.config,
+        compute: toComputeBillingConfig(state.config),
+        estimate: toCostEstimateConfig(state.config),
+        envOverrideActive: state.source === SOURCE_ENV_OVERRIDE,
+      };
+    },
+
+    async getEffectiveBillingConfig() {
+      const state = await loadEffectiveConfig();
+      return toComputeBillingConfig(state.config);
+    },
+
+    async getEffectiveCostEstimateConfig() {
+      const state = await loadEffectiveConfig();
+      return toCostEstimateConfig(state.config);
+    },
+  };
+}
+
+export const billingAdminConfigInternals = {
+  CONFIG_SCOPE,
+  CONFIG_TABLE,
+  defaultConfigShape,
+  mergePatch,
+  toComputeBillingConfig,
+  toCostEstimateConfig,
+  envLocked,
+};
diff --git a/billing-admin-config.test.mjs b/billing-admin-config.test.mjs
new file mode 100644
index 0000000..a8ad9e4
--- /dev/null
+++ b/billing-admin-config.test.mjs
@@ -0,0 +1,131 @@
+import test from 'node:test';
+import assert from 'node:assert/strict';
+import {
+  billingAdminConfigInternals,
+  createBillingAdminConfigService,
+  toComputeBillingConfig,
+  toCostEstimateConfig,
+} from './billing-admin-config.mjs';
+
+function createMemoryPool(initialRows = []) {
+  const rows = new Map(
+    initialRows.map((row) => [row.config_scope, { ...row }]),
+  );
+  return {
+    async query(sql, params = []) {
+      if (/CREATE TABLE/i.test(sql)) return [{}, undefined];
+      if (/SELECT/i.test(sql)) {
+        const scope = params[0];
+        const row = rows.get(scope);
+        return [row ? [row] : [], undefined];
+      }
+      if (/INSERT INTO/i.test(sql)) {
+        const [scope, configJson, updatedBy, updatedAt] = params;
+        rows.set(scope, {
+          config_scope: scope,
+          config_json: configJson,
+          updated_by: updatedBy,
+          updated_at: updatedAt,
+        });
+        return [{ affectedRows: 1 }, undefined];
+      }
+      return [{}, undefined];
+    },
+    _rows: rows,
+  };
+}
+
+test('mergePatch validates margin and FX', () => {
+  const next = billingAdminConfigInternals.mergePatch(
+    billingAdminConfigInternals.defaultConfigShape({}),
+    {
+      marginMultiplier: 1.5,
+      usdCnyRate: 7.1,
+      useBackendCost: true,
+    },
+    {},
+  );
+  assert.equal(next.marginMultiplier, 1.5);
+  assert.equal(next.usdCnyRate, 7.1);
+  assert.equal(next.useBackendCost, true);
+});
+
+test('toComputeBillingConfig maps admin shape', () => {
+  const compute = toComputeBillingConfig({
+    useBackendCost: true,
+    usdCnyRate: 7.2,
+    marginMultiplier: 1.2,
+    inputCentsPer1k: 2,
+    outputCentsPer1k: 6,
+    minBillCents: 1,
+  });
+  assert.deepEqual(compute, {
+    useBackendCost: true,
+    usdCnyRate: 7.2,
+    marginMultiplier: 1.2,
+    inputCentsPer1k: 2,
+    outputCentsPer1k: 6,
+    minBillCents: 1,
+  });
+});
+
+test('toCostEstimateConfig disables when cost mode off', () => {
+  const estimate = toCostEstimateConfig({
+    useBackendCost: false,
+    costEstimateFromTokens: true,
+    costEstimateInputUsdPer1M: 0.27,
+    costEstimateOutputUsdPer1M: 1.1,
+  });
+  assert.equal(estimate.enabled, false);
+});
+
+test('admin-db config wins over env for effective billing', async () => {
+  const pool = createMemoryPool();
+  const env = {
+    H5_USE_BACKEND_COST: '1',
+    H5_USD_CNY_RATE: '7.2',
+    H5_MARGIN_MULTIPLIER: '1.2',
+  };
+  const service = createBillingAdminConfigService(pool, { env, cacheTtlMs: 0 });
+  await service.updateAdminConfig(
+    { marginMultiplier: 2, usdCnyRate: 7.5, useBackendCost: true },
+    { updatedBy: 'admin-1' },
+  );
+  const effective = await service.getEffectiveBillingConfig();
+  assert.equal(effective.marginMultiplier, 2);
+  assert.equal(effective.usdCnyRate, 7.5);
+  const admin = await service.getAdminConfig();
+  assert.equal(admin.source, 'admin-db');
+  assert.equal(admin.updatedBy, 'admin-1');
+});
+
+test('H5_BILLING_CONFIG_SOURCE=env locks admin writes', async () => {
+  const pool = createMemoryPool();
+  const service = createBillingAdminConfigService(pool, {
+    env: { H5_BILLING_CONFIG_SOURCE: 'env', H5_MARGIN_MULTIPLIER: '1.2' },
+    cacheTtlMs: 0,
+  });
+  await assert.rejects(
+    () => service.updateAdminConfig({ marginMultiplier: 9 }),
+    /H5_BILLING_CONFIG_SOURCE=env/,
+  );
+  const admin = await service.getAdminConfig();
+  assert.equal(admin.source, 'env-override');
+  assert.equal(admin.config.marginMultiplier, 1.2);
+});
+
+test('env fallback used when no admin row', async () => {
+  const pool = createMemoryPool();
+  const service = createBillingAdminConfigService(pool, {
+    env: {
+      H5_USE_BACKEND_COST: '1',
+      H5_MARGIN_MULTIPLIER: '1.2',
+      H5_USD_CNY_RATE: '7.2',
+    },
+    cacheTtlMs: 0,
+  });
+  const admin = await service.getAdminConfig();
+  assert.equal(admin.source, 'env');
+  assert.equal(admin.config.marginMultiplier, 1.2);
+  assert.equal(admin.config.useBackendCost, true);
+});
diff --git a/billing-token-state.mjs b/billing-token-state.mjs
index e5d6610..c135cd7 100644
--- a/billing-token-state.mjs
+++ b/billing-token-state.mjs
@@ -35,7 +35,7 @@ export function estimateAccumulatedCostUsd(tokenStateRaw, estimateConfig = loadC
 
 export function enrichTokenStateForBilling(
   tokenStateRaw,
-  { sessionCost = null } = {},
+  { sessionCost = null, estimateConfig = null } = {},
   env = process.env,
 ) {
   const state = normalizeTokenState(tokenStateRaw);
@@ -49,7 +49,10 @@ export function enrichTokenStateForBilling(
     return state;
   }
 
-  const estimatedUsd = estimateAccumulatedCostUsd(state, loadCostEstimateConfig(env));
+  const estimatedUsd = estimateAccumulatedCostUsd(
+    state,
+    estimateConfig ?? loadCostEstimateConfig(env),
+  );
   if (estimatedUsd != null) {
     return { ...state, accumulatedCost: estimatedUsd };
   }
@@ -86,7 +89,13 @@ async function resolveSessionCostPayload(sessionId, fetchSession, fetchSessionCo
 
 export async function resolveBillingTokenState(
   tokenStateRaw,
-  { sessionId = null, fetchSession = null, fetchSessionCostFromPg = null } = {},
+  {
+    sessionId = null,
+    fetchSession = null,
+    fetchSessionCostFromPg = null,
+    estimateConfig = null,
+    loadEstimateConfig = null,
+  } = {},
   env = process.env,
 ) {
   const state = normalizeTokenState(tokenStateRaw);
@@ -96,5 +105,9 @@ export async function resolveBillingTokenState(
     fetchSessionCostFromPg,
     env,
   );
-  return enrichTokenStateForBilling(state, { sessionCost }, env);
+  const resolvedEstimateConfig =
+    estimateConfig
+    ?? (typeof loadEstimateConfig === 'function' ? await loadEstimateConfig() : null)
+    ?? loadCostEstimateConfig(env);
+  return enrichTokenStateForBilling(state, { sessionCost, estimateConfig: resolvedEstimateConfig }, env);
 }
diff --git a/billing.mjs b/billing.mjs
index a04ee8b..fc4b50c 100644
--- a/billing.mjs
+++ b/billing.mjs
@@ -1,16 +1,17 @@
-export function loadBillingConfig() {
+export function loadBillingConfig(env = process.env) {
   // 默认按人民币分（CNY cents）计费；仅当 H5_USE_BACKEND_COST=1 时才用上游 USD 成本换算。
-  const useBackendCost = process.env.H5_USE_BACKEND_COST === '1';
+  const useBackendCost = env.H5_USE_BACKEND_COST === '1';
   // 成本模式下的毛利倍数：最终扣费 = 上游真实成本(USD) × 汇率 × marginMultiplier。
   // 默认 1（按成本价卖，零毛利）——启用 useBackendCost 时务必显式设置目标倍数。
-  const marginMultiplier = Number(process.env.H5_MARGIN_MULTIPLIER ?? 1);
+  // 生产可通过 memind_adm「计费中心 → 计量公式」覆盖（见 billing-admin-config.mjs）。
+  const marginMultiplier = Number(env.H5_MARGIN_MULTIPLIER ?? 1);
   return {
     useBackendCost,
-    usdCnyRate: Number(process.env.H5_USD_CNY_RATE ?? 7.2),
+    usdCnyRate: Number(env.H5_USD_CNY_RATE ?? 7.2),
     marginMultiplier: Number.isFinite(marginMultiplier) && marginMultiplier > 0 ? marginMultiplier : 1,
-    inputCentsPer1k: Number(process.env.H5_BILL_INPUT_CENTS_PER_1K ?? 2),
-    outputCentsPer1k: Number(process.env.H5_BILL_OUTPUT_CENTS_PER_1K ?? 6),
-    minBillCents: Number(process.env.H5_MIN_BILL_CENTS ?? 1),
+    inputCentsPer1k: Number(env.H5_BILL_INPUT_CENTS_PER_1K ?? 2),
+    outputCentsPer1k: Number(env.H5_BILL_OUTPUT_CENTS_PER_1K ?? 6),
+    minBillCents: Number(env.H5_MIN_BILL_CENTS ?? 1),
   };
 }
 
diff --git a/docs/h5-metering-gateway.md b/docs/h5-metering-gateway.md
index b839a6e..6619bbe 100644
--- a/docs/h5-metering-gateway.md
+++ b/docs/h5-metering-gateway.md
@@ -20,6 +20,7 @@
 - 仅当上游回传 `accumulatedCost` 时生效；缺失则**回退**原 flat token 路径，不破坏现有计费。
 - 若 goose Finish / session 均未带 cost，且 `H5_COST_ESTIMATE_FROM_TOKENS=1`（成本模式默认开启），Portal 会按 DeepSeek 中继粗估价（`billing-token-state.mjs`）补齐 `accumulatedCost`，再走 `× margin`。
 - 生产启用：`.env` 设 `H5_USE_BACKEND_COST=1` + `H5_MARGIN_MULTIPLIER=<目标毛利>`。
+- 也可在 memind_adm「计费中心 → 计量公式」修改同一套参数（`h5_billing_admin_config`，优先级高于 env；`H5_BILLING_CONFIG_SOURCE=env` 可锁定）。
 
 > ⚠️ 上线前需确认：一帧真实 SSE 的 `token_state` 是否带 `accumulated_cost`（goose `sessions.db` 有该列，但要确认 SSE Finish 事件也序列化了它）。确认前 multiplier 改动是安全的（无 cost 即回退）。
 
diff --git a/server.mjs b/server.mjs
index 86d7f1c..4d8afb1 100644
--- a/server.mjs
+++ b/server.mjs
@@ -412,6 +412,8 @@ async function bootstrapUserAuth() {
       });
     subscriptionService =
       authServices.subscriptionService;
+    const billingConfigService =
+      authServices.billingConfigService;
     userAuth = authServices.userAuth;
     sessionAccess = authServices.sessionAccess;
     wechatPayClient = authServices.wechatPayClient;
@@ -501,6 +503,7 @@ async function bootstrapUserAuth() {
         sessionStreamStore,
         llmProviderService,
         subscriptionService,
+        billingConfigService,
         sessionSnapshotService,
         conversationMemoryService,
         memoryV2,
diff --git a/server/portal-auth-services-bootstrap.mjs b/server/portal-auth-services-bootstrap.mjs
index 809fb5a..937a37e 100644
--- a/server/portal-auth-services-bootstrap.mjs
+++ b/server/portal-auth-services-bootstrap.mjs
@@ -1,3 +1,4 @@
+import { createBillingAdminConfigService } from '../billing-admin-config.mjs';
 import { createRechargeService } from '../billing-recharge.mjs';
 import {
   createPlanCatalogService,
@@ -53,6 +54,7 @@ export async function bootstrapPortalAuthServices({
   loadWechatOAuthConfigFn = loadWechatOAuthConfig,
   createWechatOAuthServiceFn = createWechatOAuthService,
   createRechargeServiceFn = createRechargeService,
+  createBillingAdminConfigServiceFn = createBillingAdminConfigService,
 } = {}) {
   if (
     !pool ||
@@ -77,6 +79,10 @@ export async function bootstrapPortalAuthServices({
   subscriptionService._planCatalogService =
     planCatalogService;
 
+  const billingConfigService =
+    createBillingAdminConfigServiceFn(pool, { env });
+  await billingConfigService.ensureSchema();
+
   const userAuth = createUserAuthFn(pool, {
     usersRoot,
     h5Root,
@@ -84,6 +90,7 @@ export async function bootstrapPortalAuthServices({
       env.H5_SIGNUP_BALANCE_CENTS ?? 500,
     ),
     subscriptionService,
+    billingConfigService,
     getMindSearchConfig: () =>
       mindSearchConfigService.getEffectiveConfig(),
     provisionUserDataSpace: async ({
@@ -158,6 +165,7 @@ export async function bootstrapPortalAuthServices({
   return {
     planCatalogService,
     subscriptionService,
+    billingConfigService,
     userAuth,
     sessionAccess,
     routerDecisionMode,
diff --git a/server/portal-gateway-services-bootstrap.mjs b/server/portal-gateway-services-bootstrap.mjs
index 2f2ac1f..9c52d5d 100644
--- a/server/portal-gateway-services-bootstrap.mjs
+++ b/server/portal-gateway-services-bootstrap.mjs
@@ -129,6 +129,7 @@ export function bootstrapPortalGatewayServices({
   sessionStreamStore,
   llmProviderService,
   subscriptionService,
+  billingConfigService = null,
   sessionSnapshotService,
   conversationMemoryService,
   memoryV2,
@@ -176,6 +177,7 @@ export function bootstrapPortalGatewayServices({
     sessionStreamStore,
     llmProviderService,
     subscriptionService,
+    billingConfigService,
     sessionSnapshotService,
     conversationMemoryService,
     memoryV2,
diff --git a/tkmind-proxy.mjs b/tkmind-proxy.mjs
index 4974f35..93dad49 100644
--- a/tkmind-proxy.mjs
+++ b/tkmind-proxy.mjs
@@ -1138,6 +1138,7 @@ export function createTkmindProxy({
   llmProviderService,
   localFetchAsset,
   subscriptionService,
+  billingConfigService = null,
   sessionSnapshotService,
   conversationMemoryService,
   memoryV2,
@@ -2097,6 +2098,9 @@ export function createTkmindProxy({
     return resolveBillingTokenState(tokenStateRaw, {
       sessionId,
       fetchSession: fetchSessionBillingCost,
+      loadEstimateConfig: billingConfigService?.getEffectiveCostEstimateConfig
+        ? () => billingConfigService.getEffectiveCostEstimateConfig()
+        : null,
     });
   }
 
diff --git a/user-auth.mjs b/user-auth.mjs
index 3504c0a..8639b2c 100644
--- a/user-auth.mjs
+++ b/user-auth.mjs
@@ -142,6 +142,7 @@ export function createUserAuth(pool, options = {}) {
     ? options.provisionUserDataSpace
     : null;
   const getMindSearchConfig = typeof options.getMindSearchConfig === 'function' ? options.getMindSearchConfig : null;
+  const billingConfigService = options.billingConfigService ?? null;
   const sessions = new Map();
   const loginFailures = new Map();
 
@@ -1334,7 +1335,9 @@ export function createUserAuth(pool, options = {}) {
       };
     }
     const tokenState = normalizeTokenState(tokenStateRaw);
-    const config = loadBillingConfig();
+    const config = billingConfigService?.getEffectiveBillingConfig
+      ? await billingConfigService.getEffectiveBillingConfig()
+      : loadBillingConfig(env);
     const normalizedRequestId = requestId ? String(requestId).trim() || null : null;
     const now = Date.now();
     const conn = await pool.getConnection();