diff --git a/.env.example b/.env.example
index 1f06973c..879be395 100644
--- a/.env.example
+++ b/.env.example
@@ -48,6 +48,8 @@ AUTH_REFRESH_COOKIE_SAME_SITE="Lax"
 AUTH_REFRESH_COOKIE_SECURE="false"
 # Rust 鉴权快照路径；包含 password_hash 与 refresh token hash，只能放服务端私有目录。
 GENARRATIVE_AUTH_STORE_PATH="server-rs/.data/auth-store.json"
+# 开发期便捷开关：true 时允许 /api/auth/entry 对未知手机号用本次密码直接创建账号；生产必须保持 false。
+GENARRATIVE_DEV_PASSWORD_ENTRY_AUTO_REGISTER_ENABLED="false"
 
 # 手机号验证码登录配置（阿里云 PNVS）。
 # 正式环境请改成你自己的 AccessKey 和短信签名/模板。
diff --git a/docs/technical/PASSWORD_ENTRY_FLOW_DESIGN_2026-04-21.md b/docs/technical/PASSWORD_ENTRY_FLOW_DESIGN_2026-04-21.md
index 6f45b1f1..fdfb33ea 100644
--- a/docs/technical/PASSWORD_ENTRY_FLOW_DESIGN_2026-04-21.md
+++ b/docs/technical/PASSWORD_ENTRY_FLOW_DESIGN_2026-04-21.md
@@ -1,6 +1,8 @@
 # 密码登录入口历史落地设计
 
 > 2026-04-25 更新：当前产品策略已调整为“不开放密码注册”。新用户必须通过手机号验证码注册/登录，密码登录只面向已经登录后设置过密码的手机号账号。`POST /api/auth/entry` 只接受 `phone + password`，不支持邮箱、用户名或叙世号登录，也不承担自动建号能力。本文原有“密码自动建号”内容仅作为历史背景保留，当前落地以本更新和 [PASSWORD_LOGIN_CHANGE_RESET_DESIGN_2026-04-24.md](./PASSWORD_LOGIN_CHANGE_RESET_DESIGN_2026-04-24.md) 为准。
+>
+> 2026-04-28 更新：为开发期本地/测试服联调新增服务端环境变量 `GENARRATIVE_DEV_PASSWORD_ENTRY_AUTO_REGISTER_ENABLED`，默认 `false`。仅当该变量显式为 `true` 时，`POST /api/auth/entry` 可对未知手机号用本次密码直接创建账号并登录；默认关闭时仍严格保持未知手机号返回 `401` 的生产语义。该开关不得用于生产环境，也不新增任何前端规则说明文案。
 
 日期：`2026-04-21`
 
@@ -166,6 +168,13 @@
 2. 不创建账号。
 3. 不写 `password_hash`。
 
+开发期例外：
+
+1. 当 `GENARRATIVE_DEV_PASSWORD_ENTRY_AUTO_REGISTER_ENABLED=true` 时，未知手机号会创建手机号账号。
+2. 新账号立即写入本次密码的 `password_hash`，并将 `password_login_enabled` 置为 `true`。
+3. 成功响应沿用密码登录响应体，`created` 只保留在领域结果中，不额外暴露到当前 HTTP contract。
+4. 手机号格式和密码长度校验仍完全沿用正式密码入口规则。
+
 ### 8.2 未设置密码
 
 当账号存在但 `password_login_enabled = false` 时：
@@ -233,6 +242,8 @@
 4. 邮箱、用户名或叙世号作为密码登录标识返回 `400`。
 5. 登录成功时返回 access token。
 6. 登录成功时写回 refresh cookie。
+7. `GENARRATIVE_DEV_PASSWORD_ENTRY_AUTO_REGISTER_ENABLED` 默认关闭时行为不变。
+8. 开关开启时，未知手机号可通过 `/api/auth/entry` 创建账号并登录；同手机号后续用相同密码登录复用同一用户，错误密码仍返回 `401`。
 
 ## 13. 完成定义
 
diff --git a/server-rs/crates/api-server/src/app.rs b/server-rs/crates/api-server/src/app.rs
index 8cc51fb1..3d3fc35a 100644
--- a/server-rs/crates/api-server/src/app.rs
+++ b/server-rs/crates/api-server/src/app.rs
@@ -1382,6 +1382,36 @@ mod tests {
         assert_eq!(response.status(), StatusCode::UNAUTHORIZED);
     }
 
+    #[tokio::test]
+    async fn password_entry_dev_auto_register_creates_unknown_phone_when_enabled() {
+        let config = AppConfig {
+            dev_password_entry_auto_register_enabled: true,
+            ..AppConfig::default()
+        };
+        let app = build_router(AppState::new(config).expect("state should build"));
+
+        let first_response =
+            password_login_request(app.clone(), "13800138023", TEST_PASSWORD).await;
+        let first_status = first_response.status();
+        let first_body = first_response
+            .into_body()
+            .collect()
+            .await
+            .expect("first response body should collect")
+            .to_bytes();
+        let first_payload: Value =
+            serde_json::from_slice(&first_body).expect("first response body should be valid json");
+        let second_response = password_login_request(app, "13800138023", TEST_PASSWORD).await;
+
+        assert_eq!(first_status, StatusCode::OK);
+        assert!(first_payload["token"].as_str().is_some());
+        assert_eq!(
+            first_payload["user"]["loginMethod"],
+            Value::String("password".to_string())
+        );
+        assert_eq!(second_response.status(), StatusCode::OK);
+    }
+
     #[tokio::test]
     async fn password_entry_logs_in_existing_phone_user_and_sets_refresh_cookie() {
         let state = AppState::new(AppConfig::default()).expect("state should build");
diff --git a/server-rs/crates/api-server/src/config.rs b/server-rs/crates/api-server/src/config.rs
index e2c497d5..deb69712 100644
--- a/server-rs/crates/api-server/src/config.rs
+++ b/server-rs/crates/api-server/src/config.rs
@@ -29,6 +29,7 @@ pub struct AppConfig {
     pub refresh_cookie_same_site: String,
     pub refresh_session_ttl_days: u32,
     pub auth_store_path: PathBuf,
+    pub dev_password_entry_auto_register_enabled: bool,
     pub sms_auth_enabled: bool,
     pub sms_auth_provider: String,
     pub sms_endpoint: String,
@@ -118,6 +119,7 @@ impl Default for AppConfig {
             refresh_cookie_same_site: "Lax".to_string(),
             refresh_session_ttl_days: 30,
             auth_store_path: PathBuf::from(DEFAULT_AUTH_STORE_PATH),
+            dev_password_entry_auto_register_enabled: false,
             sms_auth_enabled: false,
             sms_auth_provider: "mock".to_string(),
             sms_endpoint: "dypnsapi.aliyuncs.com".to_string(),
@@ -273,6 +275,11 @@ impl AppConfig {
         if let Some(auth_store_path) = read_first_non_empty_env(&["GENARRATIVE_AUTH_STORE_PATH"]) {
             config.auth_store_path = PathBuf::from(auth_store_path);
         }
+        if let Some(enabled) =
+            read_first_bool_env(&["GENARRATIVE_DEV_PASSWORD_ENTRY_AUTO_REGISTER_ENABLED"])
+        {
+            config.dev_password_entry_auto_register_enabled = enabled;
+        }
 
         if let Some(sms_auth_enabled) = read_first_bool_env(&["SMS_AUTH_ENABLED"]) {
             config.sms_auth_enabled = sms_auth_enabled;
diff --git a/server-rs/crates/api-server/src/password_entry.rs b/server-rs/crates/api-server/src/password_entry.rs
index 743adcf3..52bbd3a3 100644
--- a/server-rs/crates/api-server/src/password_entry.rs
+++ b/server-rs/crates/api-server/src/password_entry.rs
@@ -26,14 +26,19 @@ pub async fn password_entry(
     headers: HeaderMap,
     Json(payload): Json<PasswordEntryRequest>,
 ) -> Result<impl IntoResponse, AppError> {
-    let result = state
-        .password_entry_service()
-        .execute(PasswordEntryInput {
-            phone_number: payload.phone,
-            password: payload.password,
-        })
-        .await
-        .map_err(map_password_entry_error)?;
+    let input = PasswordEntryInput {
+        phone_number: payload.phone,
+        password: payload.password,
+    };
+    let result = if state.config.dev_password_entry_auto_register_enabled {
+        state
+            .password_entry_service()
+            .execute_with_dev_registration(input)
+            .await
+    } else {
+        state.password_entry_service().execute(input).await
+    }
+    .map_err(map_password_entry_error)?;
     let session_client = resolve_session_client_context(&headers);
     let signed_session = create_password_auth_session(&state, &result.user, &session_client)?;
     state
diff --git a/server-rs/crates/module-auth/src/lib.rs b/server-rs/crates/module-auth/src/lib.rs
index 1952d725..57005c54 100644
--- a/server-rs/crates/module-auth/src/lib.rs
+++ b/server-rs/crates/module-auth/src/lib.rs
@@ -486,6 +486,38 @@ impl PasswordEntryService {
         verify_stored_password_user(existing_user, &input.password).await
     }
 
+    pub async fn execute_with_dev_registration(
+        &self,
+        input: PasswordEntryInput,
+    ) -> Result<PasswordEntryResult, PasswordEntryError> {
+        validate_password(&input.password)?;
+        let normalized_phone = normalize_mainland_china_phone_number(&input.phone_number)
+            .map_err(|_| PasswordEntryError::InvalidPhoneNumber)?;
+        if let Some(existing_user) = self
+            .store
+            .find_by_phone_number_for_password(&normalized_phone.e164)?
+        {
+            return verify_stored_password_user(existing_user, &input.password).await;
+        }
+
+        let password_hash = hash_password(&input.password)
+            .await
+            .map_err(|error| PasswordEntryError::PasswordHash(error.to_string()))?;
+        let user = self.store.create_dev_password_phone_user(
+            normalized_phone.clone(),
+            normalized_phone.masked_national_number,
+            password_hash,
+        )?;
+
+        Ok(PasswordEntryResult {
+            user: AuthUser {
+                login_method: AuthLoginMethod::Password,
+                ..user
+            },
+            created: true,
+        })
+    }
+
     pub fn get_user_by_id(
         &self,
         user_id: &str,
@@ -1336,6 +1368,53 @@ impl InMemoryAuthStore {
         Ok(user)
     }
 
+    fn create_dev_password_phone_user(
+        &self,
+        phone_number: PhoneNumberSnapshot,
+        display_name: String,
+        password_hash: String,
+    ) -> Result<AuthUser, PasswordEntryError> {
+        let mut state = self
+            .inner
+            .lock()
+            .map_err(|_| PasswordEntryError::Store("用户仓储锁已中毒".to_string()))?;
+        if state.phone_to_user_id.contains_key(&phone_number.e164) {
+            return Err(PasswordEntryError::InvalidCredentials);
+        }
+
+        let sequence = state.next_user_id;
+        let user_id = format!("user_{sequence:08}");
+        let public_user_code = build_public_user_code(sequence);
+        state.next_user_id += 1;
+        let username = build_system_username("phone", state.next_user_id);
+        let user = AuthUser {
+            id: user_id.clone(),
+            public_user_code,
+            username: username.clone(),
+            display_name,
+            phone_number_masked: Some(phone_number.masked_national_number.clone()),
+            login_method: AuthLoginMethod::Password,
+            binding_status: AuthBindingStatus::Active,
+            wechat_bound: false,
+            token_version: 1,
+        };
+        state
+            .phone_to_user_id
+            .insert(phone_number.e164.clone(), user_id);
+        state.users_by_username.insert(
+            username,
+            StoredPasswordUser {
+                user: user.clone(),
+                password_hash,
+                password_login_enabled: true,
+                phone_number: Some(phone_number.e164),
+            },
+        );
+        self.persist_password_state(&state)?;
+
+        Ok(user)
+    }
+
     fn create_pending_wechat_user(
         &self,
         profile: WechatIdentityProfile,
@@ -2474,6 +2553,39 @@ mod tests {
         assert_eq!(error, PasswordEntryError::InvalidCredentials);
     }
 
+    #[tokio::test]
+    async fn password_entry_dev_registration_creates_unknown_phone_user() {
+        let service = build_password_service(build_store());
+
+        let created = service
+            .execute_with_dev_registration(PasswordEntryInput {
+                phone_number: "13800138009".to_string(),
+                password: "secret123".to_string(),
+            })
+            .await
+            .expect("dev registration should create user");
+        let reused = service
+            .execute_with_dev_registration(PasswordEntryInput {
+                phone_number: "13800138009".to_string(),
+                password: "secret123".to_string(),
+            })
+            .await
+            .expect("same password should reuse created user");
+        let wrong_password = service
+            .execute_with_dev_registration(PasswordEntryInput {
+                phone_number: "13800138009".to_string(),
+                password: "secret999".to_string(),
+            })
+            .await
+            .expect_err("existing user still requires the right password");
+
+        assert!(created.created);
+        assert_eq!(created.user.login_method, AuthLoginMethod::Password);
+        assert!(!reused.created);
+        assert_eq!(created.user.id, reused.user.id);
+        assert_eq!(wrong_password, PasswordEntryError::InvalidCredentials);
+    }
+
     #[tokio::test]
     async fn phone_user_can_set_password_then_login() {
         let store = build_store();