diff --git a/server-rs/crates/api-server/src/character_animation_assets.rs b/server-rs/crates/api-server/src/character_animation_assets.rs
index deb266331..75137203f 100644
--- a/server-rs/crates/api-server/src/character_animation_assets.rs
+++ b/server-rs/crates/api-server/src/character_animation_assets.rs
@@ -648,43 +648,19 @@ pub(crate) async fn generate_editor_character_animation_for_owner(
     )
     .await
     .map_err(|error| character_animation_error_response(&request_context, error))?;
-    // 背景色决策：显式传入 → 视觉 LLM 按源图主体配色自动决策 → 默认色。
-    let screen_background_decision = resolve_editor_screen_background_color(
-        state.llm_client(),
-        state.creative_agent_gpt5_client(),
-        EditorScreenBackgroundDecisionInput {
-            kind: EditorScreenBackgroundDecisionKind::CharacterAnimation,
-            screen_color: payload.screen_color.clone(),
-            prompt: payload.prompt_text.clone(),
-            icon_descriptions: Vec::new(),
-            reference_count: 1,
-            source_image_data_url: Some(source_data_url.clone()),
-        },
-    )
-    .await
-    .map_err(|error| character_animation_error_response(&request_context, error))?;
-    // 把实际选定的背景色落进资产记录，供后续以该资产为参考图时反查旧背景色。
-    let generation_inputs = apply_editor_screen_background_decision_to_generation_inputs(
-        generation_inputs,
-        Some(&screen_background_decision),
-    );
-    let normalized = normalize_editor_character_animation_request_with_pricing(
-        payload,
+    // 定价 / 上游设置先于扣费，且都不依赖背景色：用默认色占位归一化（与队列路径一致），
+    // 把背景色决策挪到预扣泥点之后，避免余额不足 / 生成注定失败时仍白发一次 gpt-5-mini 决策。
+    let priced = normalize_editor_character_animation_request_with_pricing(
+        payload.clone(),
         &pricing,
-        screen_background_decision.color,
+        crate::editor_green_screen::default_editor_screen_background_color(),
     )
     .map_err(|error| character_animation_error_response(&request_context, error))?;
-    let settings = require_editor_character_animation_settings(&state, &normalized)
+    let settings = require_editor_character_animation_settings(&state, &priced)
         .map_err(|error| character_animation_error_response(&request_context, error))?;
-    // 透明源图先合成到选定背景色：让视频背景确定性地等于抠图键色，而不是赌模型服从提示词。
-    let source_data_url = composite_source_image_onto_screen_color(
-        source_data_url.as_str(),
-        screen_background_decision.color,
-    )
-    .unwrap_or(source_data_url);
-    let extraction_settings = resolve_backend_frame_extraction_settings(&state);
     let http_client = build_upstream_http_client(settings.ark.request_timeout_ms)
         .map_err(|error| character_animation_error_response(&request_context, error))?;
+    let extraction_settings = resolve_backend_frame_extraction_settings(&state);
     let task_id = generate_ai_task_id(current_utc_micros());
     // 抠图供应商失败审计上下文：逐帧阿里云抠图失败即使兜底成功，也要进 OTLP + tracking_event。
     let matting_audit = crate::external_api_audit::ExternalApiAuditContext {
@@ -698,8 +674,40 @@ pub(crate) async fn generate_editor_character_animation_for_owner(
         owner_user_id.as_str(),
         EDITOR_CHARACTER_ANIMATION_ASSET_KIND,
         task_id.as_str(),
-        u64::from(normalized.price_mud_points),
+        u64::from(priced.price_mud_points),
         async {
+            // 背景色决策：预扣泥点之后才发起（显式传入 → 视觉 LLM 按源图主体配色自动决策 → 默认色）。
+            // 决策失败会让本 future 返回 Err，走 execute_billable 的失败退款，用户不损失泥点。
+            let screen_background_decision = resolve_editor_screen_background_color(
+                state.llm_client(),
+                state.creative_agent_gpt5_client(),
+                EditorScreenBackgroundDecisionInput {
+                    kind: EditorScreenBackgroundDecisionKind::CharacterAnimation,
+                    screen_color: payload.screen_color.clone(),
+                    prompt: payload.prompt_text.clone(),
+                    icon_descriptions: Vec::new(),
+                    reference_count: 1,
+                    source_image_data_url: Some(source_data_url.clone()),
+                },
+            )
+            .await?;
+            // 把实际选定的背景色落进资产记录，供后续以该资产为参考图时反查旧背景色。
+            let generation_inputs = apply_editor_screen_background_decision_to_generation_inputs(
+                generation_inputs,
+                Some(&screen_background_decision),
+            );
+            // 用决策色重新归一化以拿到最终提示词（价格 / 校验已在预扣前用占位色完成）。
+            let normalized = normalize_editor_character_animation_request_with_pricing(
+                payload,
+                &pricing,
+                screen_background_decision.color,
+            )?;
+            // 透明源图先合成到选定背景色：让视频背景确定性地等于抠图键色，而不是赌模型服从提示词。
+            let source_data_url = composite_source_image_onto_screen_color(
+                source_data_url.as_str(),
+                screen_background_decision.color,
+            )
+            .unwrap_or(source_data_url);
             let generated = request_editor_character_animation_preview(
                 &state,
                 &http_client,
@@ -723,12 +731,12 @@ pub(crate) async fn generate_editor_character_animation_for_owner(
             )
             .await?;
 
-            Ok::<_, AppError>((generated, frames))
+            Ok::<_, AppError>((generated, frames, normalized, generation_inputs))
         },
     )
     .await;
 
-    let (generated, frames) =
+    let (generated, frames, normalized, generation_inputs) =
         result.map_err(|error| character_animation_error_response(&request_context, error))?;
     let completed_project = if let Some(completion) = canvas_completion.as_ref() {
         let frame_payload_json = serde_json::to_value(&frames).map_err(|error| {
diff --git a/server-rs/crates/api-server/src/editor_project.rs b/server-rs/crates/api-server/src/editor_project.rs
index ab683f709..7d0423aeb 100644
--- a/server-rs/crates/api-server/src/editor_project.rs
+++ b/server-rs/crates/api-server/src/editor_project.rs
@@ -1357,28 +1357,10 @@ pub(crate) async fn generate_editor_image_for_owner(
 
     let normalized_kind = payload.kind.as_deref().map(str::trim);
     let is_character_generation = matches!(normalized_kind, Some("character"));
-    let screen_background_decision = if is_character_generation {
-        Some(
-            resolve_editor_screen_background_color(
-                state.llm_client(),
-                state.creative_agent_gpt5_client(),
-                EditorScreenBackgroundDecisionInput {
-                    kind: EditorScreenBackgroundDecisionKind::Character,
-                    screen_color: payload.screen_color.clone(),
-                    prompt: role_setting.clone(),
-                    icon_descriptions: Vec::new(),
-                    reference_count: payload.reference_image_srcs.as_ref().map_or(0, Vec::len),
-                    source_image_data_url: None,
-                },
-            )
-            .await?,
-        )
-    } else {
-        None
-    };
-    let screen_color = screen_background_decision
-        .as_ref()
-        .map(|decision| decision.color);
+    // 背景色决策挪到预扣泥点之后（见下方 execute_billable 闭包），避免余额不足 / 生成注定失败时
+    // 仍白发一次 gpt-5-mini 决策。这里先固化决策需要、但随后会被 payload 消费掉的输入。
+    let requested_screen_color = payload.screen_color.clone();
+    let reference_count = payload.reference_image_srcs.as_ref().map_or(0, Vec::len);
     let seg_model = if is_character_generation {
         Some(parse_editor_bgfilter_seg_model(
             payload.seg_model.as_deref(),
@@ -1405,24 +1387,6 @@ pub(crate) async fn generate_editor_image_for_owner(
         has_dimension_options,
         &generation_options,
     );
-    let submitted_prompt = if is_character_generation {
-        build_editor_character_image_prompt(
-            role_setting.as_str(),
-            screen_color.expect("character generation should have screen color"),
-        )
-    } else if is_ui_design_generation {
-        build_editor_ui_design_prompt(
-            role_setting.as_str(),
-            payload
-                .reference_image_srcs
-                .as_ref()
-                .is_some_and(|references| {
-                    references.iter().any(|source| !source.trim().is_empty())
-                }),
-        )
-    } else {
-        role_setting.clone()
-    };
     let failure_context = match normalized_kind {
         Some("character") => "图片画布生成角色形象",
         Some("spec") => "图片画布生成规范",
@@ -1444,6 +1408,9 @@ pub(crate) async fn generate_editor_image_for_owner(
         .filter(|source| !source.is_empty())
         .take(reference_limit)
         .collect::<Vec<_>>();
+    // 决策移入闭包后 payload.reference_image_srcs 已被 reference_sources 消费，
+    // 这里从过滤后的 reference_sources 预先固化 ui-design 的「是否带参考图」布尔。
+    let ui_has_references = !reference_sources.is_empty();
     let settings = require_openai_image_settings(state)?.with_external_api_audit_context(
         request_context,
         caller.audit_subject_user_id.clone(),
@@ -1485,7 +1452,41 @@ pub(crate) async fn generate_editor_image_for_owner(
             Some(generation_options.image_size),
         );
     let generate_operation = async {
-        if generation_options.model == EDITOR_IMAGE_MODEL_NANOBANANA2 {
+        // 背景色决策：预扣泥点之后才发起，仅角色生图需要（决策失败→future 返回 Err→失败退款，
+        // 用户不损失泥点，平台也只在用户确有余额时才付这次 gpt-5-mini 决策）。
+        let screen_background_decision = if is_character_generation {
+            Some(
+                resolve_editor_screen_background_color(
+                    state.llm_client(),
+                    state.creative_agent_gpt5_client(),
+                    EditorScreenBackgroundDecisionInput {
+                        kind: EditorScreenBackgroundDecisionKind::Character,
+                        screen_color: requested_screen_color.clone(),
+                        prompt: role_setting.clone(),
+                        icon_descriptions: Vec::new(),
+                        reference_count,
+                        source_image_data_url: None,
+                    },
+                )
+                .await?,
+            )
+        } else {
+            None
+        };
+        let screen_color = screen_background_decision
+            .as_ref()
+            .map(|decision| decision.color);
+        let submitted_prompt = if is_character_generation {
+            build_editor_character_image_prompt(
+                role_setting.as_str(),
+                screen_color.expect("character generation should have screen color"),
+            )
+        } else if is_ui_design_generation {
+            build_editor_ui_design_prompt(role_setting.as_str(), ui_has_references)
+        } else {
+            role_setting.clone()
+        };
+        let generated = if generation_options.model == EDITOR_IMAGE_MODEL_NANOBANANA2 {
             create_openai_nanobanana_generate_content(
                 &http_client,
                 &settings,
@@ -1497,7 +1498,7 @@ pub(crate) async fn generate_editor_image_for_owner(
                 reference_images.as_slice(),
                 failure_context,
             )
-            .await
+            .await?
         } else if reference_images.is_empty() {
             create_openai_image_generation_with_model(
                 &http_client,
@@ -1510,7 +1511,7 @@ pub(crate) async fn generate_editor_image_for_owner(
                 &[],
                 failure_context,
             )
-            .await
+            .await?
         } else {
             create_openai_image_edit_with_references_and_model(
                 &http_client,
@@ -1523,18 +1524,23 @@ pub(crate) async fn generate_editor_image_for_owner(
                 reference_images.as_slice(),
                 failure_context,
             )
-            .await
-        }
+            .await?
+        };
+        Ok::<_, AppError>((generated, submitted_prompt, screen_background_decision))
     };
-    let generated = execute_billable_asset_operation_with_cost(
-        state,
-        caller.owner_user_id.as_str(),
-        editor_image_generation_billing_asset_kind(normalized_kind),
-        request_context.request_id(),
-        u64::from(configured_price_mud_points),
-        generate_operation,
-    )
-    .await?;
+    let (generated, submitted_prompt, screen_background_decision) =
+        execute_billable_asset_operation_with_cost(
+            state,
+            caller.owner_user_id.as_str(),
+            editor_image_generation_billing_asset_kind(normalized_kind),
+            request_context.request_id(),
+            u64::from(configured_price_mud_points),
+            generate_operation,
+        )
+        .await?;
+    let screen_color = screen_background_decision
+        .as_ref()
+        .map(|decision| decision.color);
     let mut image = generated.images.into_iter().next().ok_or_else(|| {
         AppError::from_status(StatusCode::BAD_GATEWAY).with_details(json!({
             "provider": "vector-engine",
@@ -2896,20 +2902,10 @@ pub(crate) async fn generate_editor_icon_spritesheet_for_owner(
     payload: EditorIconSpritesheetGenerationRequest,
 ) -> Result<Json<Value>, AppError> {
     let icon_descriptions = normalize_icon_descriptions(payload.icon_descriptions)?;
-    let screen_background_decision = resolve_editor_screen_background_color(
-        state.llm_client(),
-        state.creative_agent_gpt5_client(),
-        EditorScreenBackgroundDecisionInput {
-            kind: EditorScreenBackgroundDecisionKind::IconSpritesheet,
-            screen_color: payload.screen_color.clone(),
-            prompt: icon_descriptions.join("\n"),
-            icon_descriptions: icon_descriptions.clone(),
-            reference_count: 1 + payload.reference_image_srcs.as_ref().map_or(0, Vec::len),
-            source_image_data_url: None,
-        },
-    )
-    .await?;
-    let screen_color = screen_background_decision.color;
+    // 背景色决策挪到预扣泥点之后（见下方 execute_billable 闭包），避免余额不足 / 生成注定失败时
+    // 仍白发一次 gpt-5-mini 决策。这里先固化决策需要的输入。
+    let requested_screen_color = payload.screen_color.clone();
+    let reference_count = 1 + payload.reference_image_srcs.as_ref().map_or(0, Vec::len);
     let seg_model = parse_editor_bgfilter_seg_model(payload.seg_model.as_deref())?;
     let mut reference_images =
         Vec::with_capacity(1 + payload.reference_image_srcs.as_ref().map_or(0, Vec::len));
@@ -2954,7 +2950,6 @@ pub(crate) async fn generate_editor_icon_spritesheet_for_owner(
         Some(generation_options.image_size),
     )?;
     let size = generation_options.size.as_str();
-    let prompt = build_editor_icon_spritesheet_prompt(&icon_descriptions, screen_color);
 
     let settings = require_openai_image_settings(state)?.with_external_api_audit_context(
         request_context,
@@ -2965,43 +2960,62 @@ pub(crate) async fn generate_editor_icon_spritesheet_for_owner(
             .or_else(|| payload.project_id.clone()),
     );
     let http_client = build_openai_image_http_client(&settings)?;
-    let generated = execute_billable_asset_operation_with_cost(
-        state,
-        caller.owner_user_id.as_str(),
-        "editor_icon_spritesheet",
-        request_context.request_id(),
-        u64::from(expected_price_mud_points),
-        async {
-            if generation_options.model == EDITOR_IMAGE_MODEL_NANOBANANA2 {
-                create_openai_nanobanana_generate_content(
-                    &http_client,
-                    &settings,
-                    generation_options.model,
-                    prompt.as_str(),
-                    None,
-                    generation_options.aspect_ratio,
-                    generation_options.provider_image_size,
-                    reference_images.as_slice(),
-                    "图片画布生成图标素材 spritesheet",
+    let (generated, prompt, screen_background_decision) =
+        execute_billable_asset_operation_with_cost(
+            state,
+            caller.owner_user_id.as_str(),
+            "editor_icon_spritesheet",
+            request_context.request_id(),
+            u64::from(expected_price_mud_points),
+            async {
+                // 背景色决策：预扣泥点之后才发起（决策失败→future 返回 Err→失败退款）。
+                let screen_background_decision = resolve_editor_screen_background_color(
+                    state.llm_client(),
+                    state.creative_agent_gpt5_client(),
+                    EditorScreenBackgroundDecisionInput {
+                        kind: EditorScreenBackgroundDecisionKind::IconSpritesheet,
+                        screen_color: requested_screen_color.clone(),
+                        prompt: icon_descriptions.join("\n"),
+                        icon_descriptions: icon_descriptions.clone(),
+                        reference_count,
+                        source_image_data_url: None,
+                    },
                 )
-                .await
-            } else {
-                create_openai_image_edit_with_references_and_model(
-                    &http_client,
-                    &settings,
-                    generation_options.model,
-                    prompt.as_str(),
-                    None,
-                    size,
-                    1,
-                    reference_images.as_slice(),
-                    "图片画布生成图标素材 spritesheet",
-                )
-                .await
-            }
-        },
-    )
-    .await?;
+                .await?;
+                let screen_color = screen_background_decision.color;
+                let prompt = build_editor_icon_spritesheet_prompt(&icon_descriptions, screen_color);
+                let generated = if generation_options.model == EDITOR_IMAGE_MODEL_NANOBANANA2 {
+                    create_openai_nanobanana_generate_content(
+                        &http_client,
+                        &settings,
+                        generation_options.model,
+                        prompt.as_str(),
+                        None,
+                        generation_options.aspect_ratio,
+                        generation_options.provider_image_size,
+                        reference_images.as_slice(),
+                        "图片画布生成图标素材 spritesheet",
+                    )
+                    .await?
+                } else {
+                    create_openai_image_edit_with_references_and_model(
+                        &http_client,
+                        &settings,
+                        generation_options.model,
+                        prompt.as_str(),
+                        None,
+                        size,
+                        1,
+                        reference_images.as_slice(),
+                        "图片画布生成图标素材 spritesheet",
+                    )
+                    .await?
+                };
+                Ok::<_, AppError>((generated, prompt, screen_background_decision))
+            },
+        )
+        .await?;
+    let screen_color = screen_background_decision.color;
     let image = generated.images.into_iter().next().ok_or_else(|| {
         AppError::from_status(StatusCode::BAD_GATEWAY).with_details(json!({
             "provider": "vector-engine",
@@ -3174,23 +3188,14 @@ pub(crate) async fn extract_editor_ui_design_assets_for_owner(
     caller: EditorGenerationCaller,
     payload: EditorUiDesignAssetExtractionRequest,
 ) -> Result<Json<Value>, AppError> {
-    let screen_background_decision = resolve_editor_screen_background_color(
-        state.llm_client(),
-        state.creative_agent_gpt5_client(),
-        EditorScreenBackgroundDecisionInput {
-            kind: EditorScreenBackgroundDecisionKind::UiDesignAssetExtraction,
-            screen_color: payload.screen_color.clone(),
-            prompt: format!(
-                "从 UI 设计图提取被红色框选的素材，输出 spritesheet。目标规格 {} {}。",
-                payload.aspect_ratio, payload.image_size
-            ),
-            icon_descriptions: Vec::new(),
-            reference_count: 1 + payload.reference_image_srcs.as_ref().map_or(0, Vec::len),
-            source_image_data_url: None,
-        },
-    )
-    .await?;
-    let screen_color = screen_background_decision.color;
+    // 背景色决策挪到预扣泥点之后（见下方 execute_billable 闭包），避免余额不足 / 生成注定失败时
+    // 仍白发一次 gpt-5-mini 决策。这里先固化决策需要的输入。
+    let requested_screen_color = payload.screen_color.clone();
+    let reference_count = 1 + payload.reference_image_srcs.as_ref().map_or(0, Vec::len);
+    let decision_prompt = format!(
+        "从 UI 设计图提取被红色框选的素材，输出 spritesheet。目标规格 {} {}。",
+        payload.aspect_ratio, payload.image_size
+    );
     let seg_model = parse_editor_bgfilter_seg_model(payload.seg_model.as_deref())?;
     let reference_image = parse_editor_reference_image(
         state,
@@ -3241,44 +3246,62 @@ pub(crate) async fn extract_editor_ui_design_assets_for_owner(
             .or_else(|| payload.project_id.clone()),
     );
     let http_client = build_openai_image_http_client(&settings)?;
-    let prompt = editor_ui_design_asset_extraction_prompt(screen_color);
-    let generated = execute_billable_asset_operation_with_cost(
-        state,
-        caller.owner_user_id.as_str(),
-        "editor_ui_design_asset_extraction",
-        request_context.request_id(),
-        u64::from(expected_price_mud_points),
-        async {
-            if generation_options.model == EDITOR_IMAGE_MODEL_NANOBANANA2 {
-                create_openai_nanobanana_generate_content(
-                    &http_client,
-                    &settings,
-                    generation_options.model,
-                    prompt.as_str(),
-                    None,
-                    generation_options.aspect_ratio,
-                    generation_options.provider_image_size,
-                    reference_images.as_slice(),
-                    "图片画布提取UI设计图素材 spritesheet",
+    let (generated, prompt, screen_background_decision) =
+        execute_billable_asset_operation_with_cost(
+            state,
+            caller.owner_user_id.as_str(),
+            "editor_ui_design_asset_extraction",
+            request_context.request_id(),
+            u64::from(expected_price_mud_points),
+            async {
+                // 背景色决策：预扣泥点之后才发起（决策失败→future 返回 Err→失败退款）。
+                let screen_background_decision = resolve_editor_screen_background_color(
+                    state.llm_client(),
+                    state.creative_agent_gpt5_client(),
+                    EditorScreenBackgroundDecisionInput {
+                        kind: EditorScreenBackgroundDecisionKind::UiDesignAssetExtraction,
+                        screen_color: requested_screen_color.clone(),
+                        prompt: decision_prompt.clone(),
+                        icon_descriptions: Vec::new(),
+                        reference_count,
+                        source_image_data_url: None,
+                    },
                 )
-                .await
-            } else {
-                create_openai_image_edit_with_references_and_model(
-                    &http_client,
-                    &settings,
-                    generation_options.model,
-                    prompt.as_str(),
-                    None,
-                    generation_options.size.as_str(),
-                    1,
-                    reference_images.as_slice(),
-                    "图片画布提取UI设计图素材 spritesheet",
-                )
-                .await
-            }
-        },
-    )
-    .await?;
+                .await?;
+                let screen_color = screen_background_decision.color;
+                let prompt = editor_ui_design_asset_extraction_prompt(screen_color);
+                let generated = if generation_options.model == EDITOR_IMAGE_MODEL_NANOBANANA2 {
+                    create_openai_nanobanana_generate_content(
+                        &http_client,
+                        &settings,
+                        generation_options.model,
+                        prompt.as_str(),
+                        None,
+                        generation_options.aspect_ratio,
+                        generation_options.provider_image_size,
+                        reference_images.as_slice(),
+                        "图片画布提取UI设计图素材 spritesheet",
+                    )
+                    .await?
+                } else {
+                    create_openai_image_edit_with_references_and_model(
+                        &http_client,
+                        &settings,
+                        generation_options.model,
+                        prompt.as_str(),
+                        None,
+                        generation_options.size.as_str(),
+                        1,
+                        reference_images.as_slice(),
+                        "图片画布提取UI设计图素材 spritesheet",
+                    )
+                    .await?
+                };
+                Ok::<_, AppError>((generated, prompt, screen_background_decision))
+            },
+        )
+        .await?;
+    let screen_color = screen_background_decision.color;
     let image = generated.images.into_iter().next().ok_or_else(|| {
         AppError::from_status(StatusCode::BAD_GATEWAY).with_details(json!({
             "provider": "vector-engine",