diff --git a/app/api/v1/wallet.py b/app/api/v1/wallet.py
index 454ff7c..7b0dac0 100644
--- a/app/api/v1/wallet.py
+++ b/app/api/v1/wallet.py
@@ -192,7 +192,7 @@ def withdraw_info(
         wechat_bound=bool(u and u.wechat_openid),
         wechat_nickname=u.wechat_nickname if u else None,
         wechat_avatar_url=u.wechat_avatar_url if u else None,
-        transfer_auth_enabled=bool(auth and auth.state == "active"),
+        transfer_auth_enabled=bool(auth and auth.state == "active" and auth.authorization_id),
         tiers=[WithdrawTierOut(**t) for t in crud_wallet.withdraw_tier_states(db, user.id, source)],
     )
 
@@ -335,7 +335,8 @@ def open_transfer_auth(user: CurrentUser, db: DbSession) -> TransferAuthResultOu
 def transfer_auth_status(user: CurrentUser, db: DbSession) -> TransferAuthStatusOut:
     auth = crud_wallet.sync_transfer_auth(db, user.id)
     state = auth.state if auth else "none"
-    return TransferAuthStatusOut(state=state, enabled=(state == "active"))
+    enabled = bool(auth and auth.state == "active" and auth.authorization_id)
+    return TransferAuthStatusOut(state=state, enabled=enabled)
 
 
 @router.post(
diff --git a/tests/test_withdraw.py b/tests/test_withdraw.py
index 55a978a..509fb0a 100644
--- a/tests/test_withdraw.py
+++ b/tests/test_withdraw.py
@@ -9,7 +9,7 @@ from sqlalchemy import select
 
 from app.db.session import SessionLocal
 from app.models.user import User
-from app.models.wallet import CoinAccount, WithdrawOrder
+from app.models.wallet import CoinAccount, WithdrawOrder, WechatTransferAuthorization
 from app.repositories import wallet as crud_wallet
 
 
@@ -426,3 +426,60 @@ def test_withdraw_reject_refunds(client, monkeypatch) -> None:
     r = client.get("/api/v1/wallet/withdraw/status", params={"out_bill_no": bill}, headers=_auth(token))
     assert r.json()["status"] == "rejected"
     assert r.json()["fail_reason"] == "测试拒绝"
+
+
+# ===== §fix 免确认授权 enabled 判定收严:active+authorization_id 非空才算已授权 =====
+
+def _seed_transfer_auth(phone: str, state: str, authorization_id: str | None) -> None:
+    """直接在库里写/改该用户的免确认授权记录(绕过微信,用于判定测试)。"""
+    db = SessionLocal()
+    try:
+        user = db.execute(select(User).where(User.phone == phone)).scalar_one()
+        auth = db.get(WechatTransferAuthorization, user.id)
+        if auth is None:
+            auth = WechatTransferAuthorization(
+                user_id=user.id, openid="openid_test_abc",
+                out_authorization_no=f"oan_{user.id}",
+            )
+            db.add(auth)
+        auth.state = state
+        auth.authorization_id = authorization_id
+        db.commit()
+    finally:
+        db.close()
+
+
+def test_withdraw_info_auth_enabled_requires_authorization_id(client, monkeypatch) -> None:
+    _patch_userinfo(monkeypatch)
+    token = _login(client, "13800002051")
+    # 触发建号 + 绑定微信(withdraw-info 读 openid)
+    client.get("/api/v1/wallet/withdraw-info", headers=_auth(token))
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c1"}, headers=_auth(token))
+
+    # active 但无 authorization_id → 视为未授权
+    _seed_transfer_auth("13800002051", "active", None)
+    r = client.get("/api/v1/wallet/withdraw-info", headers=_auth(token))
+    assert r.status_code == 200, r.text
+    assert r.json()["transfer_auth_enabled"] is False
+
+    # active 且有 authorization_id → 已授权
+    _seed_transfer_auth("13800002051", "active", "wx_auth_123")
+    r = client.get("/api/v1/wallet/withdraw-info", headers=_auth(token))
+    assert r.json()["transfer_auth_enabled"] is True
+
+
+def test_transfer_auth_status_requires_authorization_id(client, monkeypatch) -> None:
+    _patch_userinfo(monkeypatch)
+    token = _login(client, "13800002052")
+    client.get("/api/v1/wallet/withdraw-info", headers=_auth(token))
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c2"}, headers=_auth(token))
+
+    _seed_transfer_auth("13800002052", "active", None)
+    r = client.get("/api/v1/wallet/transfer-auth/status", headers=_auth(token))
+    assert r.status_code == 200, r.text
+    assert r.json()["state"] == "active"
+    assert r.json()["enabled"] is False
+
+    _seed_transfer_auth("13800002052", "active", "wx_auth_456")
+    r = client.get("/api/v1/wallet/transfer-auth/status", headers=_auth(token))
+    assert r.json()["enabled"] is True