diff --git a/.env.example b/.env.example
index 42e5e37..1076e28 100644
--- a/.env.example
+++ b/.env.example
@@ -42,14 +42,16 @@ DB_NAME=db.sqlite3
 # Waffo 支付（OpsXShell 收银台 · pancake.waffo.ai）
 # ============================================
 # 店铺: https://pancake.waffo.ai/store/opsxshell-pwsi6m4n
-# 包年一次性: PROD_1BIezCi932IbgCzRIV8hcJ (type=onetime)
-# 永久买断: PROD_0pcnzzT4nalEkkcdyIUoD5 (type=onetime)
+# 包年一次性: PROD_1BIezCi932IbgCzRIV8hcJ (type=onetime, currency=CNY)
+# 永久买断: PROD_0pcnzzT4nalEkkcdyIUoD5 (type=onetime, currency=USD)
 # 勿设置单一 WAFFO_CHECKOUT_URL，否则无法按档位分流商品
 WAFFO_STORE_SLUG=opsxshell-pwsi6m4n
 WAFFO_PRODUCT_ID=PROD_0pcnzzT4nalEkkcdyIUoD5
 WAFFO_PRODUCT_ID_YEARLY=PROD_1BIezCi932IbgCzRIV8hcJ
 WAFFO_PRODUCT_ID_PERPETUAL=PROD_0pcnzzT4nalEkkcdyIUoD5
 WAFFO_CURRENCY=CNY
+WAFFO_CURRENCY_YEARLY=CNY
+WAFFO_CURRENCY_PERPETUAL=USD
 # test | live（test 时自动附加 test=true）
 WAFFO_ENVIRONMENT=test
 # 支付成功回跳（桌面端 deep link；CreateOrder/Checkout 的 return_url 可覆盖）
diff --git a/backend/internal/service/payment/waffo.go b/backend/internal/service/payment/waffo.go
index 8d462d0..4840979 100644
--- a/backend/internal/service/payment/waffo.go
+++ b/backend/internal/service/payment/waffo.go
@@ -9,14 +9,16 @@ import (
 
 // WaffoConfig hosted checkout settings for pancake.waffo.ai // Logan.Li
 type WaffoConfig struct {
-	CheckoutURL        string
-	StoreSlug          string
-	ProductID          string
-	ProductIDYearly    string
-	ProductIDPerpetual string
-	Currency           string
-	Environment        string
-	SuccessURL         string
+	CheckoutURL         string
+	StoreSlug           string
+	ProductID           string
+	ProductIDYearly     string
+	ProductIDPerpetual  string
+	Currency            string // fallback / default
+	CurrencyYearly      string
+	CurrencyPerpetual   string
+	Environment         string
+	SuccessURL          string
 }
 
 // LoadWaffoConfig reads WAFFO_* env vars (same names as OpsXShell legacy license-server). // Logan.Li
@@ -33,6 +35,19 @@ func LoadWaffoConfig() WaffoConfig {
 	if currency == "" {
 		currency = "CNY"
 	}
+	currencyYearly := strings.TrimSpace(os.Getenv("WAFFO_CURRENCY_YEARLY"))
+	if currencyYearly == "" {
+		currencyYearly = currency
+	}
+	currencyPerpetual := strings.TrimSpace(os.Getenv("WAFFO_CURRENCY_PERPETUAL"))
+	if currencyPerpetual == "" {
+		// 永久默认 USD（与 pancake 商品一致）；可用环境变量覆盖。 // Logan.Li
+		if currency == "CNY" {
+			currencyPerpetual = "USD"
+		} else {
+			currencyPerpetual = currency
+		}
+	}
 	defaultProduct := strings.TrimSpace(os.Getenv("WAFFO_PRODUCT_ID"))
 	yearly := strings.TrimSpace(os.Getenv("WAFFO_PRODUCT_ID_YEARLY"))
 	perpetual := strings.TrimSpace(os.Getenv("WAFFO_PRODUCT_ID_PERPETUAL"))
@@ -49,6 +64,8 @@ func LoadWaffoConfig() WaffoConfig {
 		ProductIDYearly:    yearly,
 		ProductIDPerpetual: perpetual,
 		Currency:           currency,
+		CurrencyYearly:     currencyYearly,
+		CurrencyPerpetual:  currencyPerpetual,
 		Environment:        env,
 		SuccessURL:         success,
 	}
@@ -103,6 +120,23 @@ func productIDForPlan(cfg WaffoConfig, planType string) string {
 	}
 }
 
+func currencyForPlan(cfg WaffoConfig, planType string) string {
+	switch strings.TrimSpace(planType) {
+	case "yearly", "monthly":
+		if cfg.CurrencyYearly != "" {
+			return cfg.CurrencyYearly
+		}
+	case "perpetual", "lifetime":
+		if cfg.CurrencyPerpetual != "" {
+			return cfg.CurrencyPerpetual
+		}
+	}
+	if cfg.Currency != "" {
+		return cfg.Currency
+	}
+	return "CNY"
+}
+
 func checkoutTypeForPlan(planType string) string {
 	// OpsXShell 包年 / 永久均为 Waffo onetime 商品（包年不再走 subscription）。 // Logan.Li
 	_ = planType
@@ -110,7 +144,6 @@ func checkoutTypeForPlan(planType string) string {
 }
 
 func resolveBaseCheckoutURL(cfg WaffoConfig, planType string) (*url.URL, error) {
-	// Single WAFFO_CHECKOUT_URL only as absolute fallback when no store/products configured.
 	// Prefer store + per-plan product IDs so yearly/perpetual map to different Waffo SKUs.
 	productID := productIDForPlan(cfg, planType)
 	if cfg.StoreSlug != "" && productID != "" {
@@ -121,7 +154,7 @@ func resolveBaseCheckoutURL(cfg WaffoConfig, planType string) (*url.URL, error)
 		}
 		q := u.Query()
 		q.Set("type", checkoutTypeForPlan(planType))
-		q.Set("currency", cfg.Currency)
+		q.Set("currency", currencyForPlan(cfg, planType))
 		if cfg.Environment == "test" {
 			q.Set("test", "true")
 		}
diff --git a/backend/internal/service/payment/waffo_test.go b/backend/internal/service/payment/waffo_test.go
index 02723e1..c7574a1 100644
--- a/backend/internal/service/payment/waffo_test.go
+++ b/backend/internal/service/payment/waffo_test.go
@@ -6,12 +6,14 @@ import (
 	"testing"
 )
 
-func TestBuildCheckoutURL_YearlyOnetime(t *testing.T) {
+func TestBuildCheckoutURL_YearlyOnetimeCNY(t *testing.T) {
 	cfg := WaffoConfig{
 		StoreSlug:          "opsxshell-pwsi6m4n",
 		ProductIDYearly:    "PROD_1BIezCi932IbgCzRIV8hcJ",
 		ProductIDPerpetual: "PROD_0pcnzzT4nalEkkcdyIUoD5",
 		Currency:           "CNY",
+		CurrencyYearly:     "CNY",
+		CurrencyPerpetual:  "USD",
 		Environment:        "test",
 		SuccessURL:         "opsxshell://pro/activated",
 	}
@@ -31,19 +33,18 @@ func TestBuildCheckoutURL_YearlyOnetime(t *testing.T) {
 		t.Fatalf("type=%s want onetime", q.Get("type"))
 	}
 	if q.Get("currency") != "CNY" {
-		t.Fatalf("currency=%s", q.Get("currency"))
-	}
-	if q.Get("test") != "true" {
-		t.Fatalf("test=%s", q.Get("test"))
+		t.Fatalf("currency=%s want CNY", q.Get("currency"))
 	}
 }
 
-func TestBuildCheckoutURL_PerpetualOnetime(t *testing.T) {
+func TestBuildCheckoutURL_PerpetualOnetimeUSD(t *testing.T) {
 	cfg := WaffoConfig{
 		StoreSlug:          "opsxshell-pwsi6m4n",
 		ProductIDYearly:    "PROD_1BIezCi932IbgCzRIV8hcJ",
 		ProductIDPerpetual: "PROD_0pcnzzT4nalEkkcdyIUoD5",
 		Currency:           "CNY",
+		CurrencyYearly:     "CNY",
+		CurrencyPerpetual:  "USD",
 		Environment:        "test",
 		SuccessURL:         "opsxshell://pro/activated",
 	}
@@ -58,7 +59,11 @@ func TestBuildCheckoutURL_PerpetualOnetime(t *testing.T) {
 	if !strings.Contains(u.Path, "PROD_0pcnzzT4nalEkkcdyIUoD5") {
 		t.Fatalf("perpetual product missing: %s", raw)
 	}
-	if u.Query().Get("type") != "onetime" {
-		t.Fatalf("type=%s want onetime", u.Query().Get("type"))
+	q := u.Query()
+	if q.Get("type") != "onetime" {
+		t.Fatalf("type=%s want onetime", q.Get("type"))
+	}
+	if q.Get("currency") != "USD" {
+		t.Fatalf("currency=%s want USD", q.Get("currency"))
 	}
 }