diff --git a/server-rs/crates/api-server/src/tripo3d/worker.rs b/server-rs/crates/api-server/src/tripo3d/worker.rs
index 1b280a8f4..1949eba01 100644
--- a/server-rs/crates/api-server/src/tripo3d/worker.rs
+++ b/server-rs/crates/api-server/src/tripo3d/worker.rs
@@ -80,7 +80,13 @@ async fn run_model3d_job(
     let client = tripo_provider_client(&state.config)?;
     let handle = match existing_checkpoint(job) {
         Some(task_id) => TripoTaskHandle { task_id },
-        None => submit_and_checkpoint(state, caller, job, &client, &request).await?,
+        None => {
+            // submit 是不可逆且计费的调用：预算可能在别处就先耗光了（图生 3D 解析与上传
+            // 大图、任务排在其他 job 之后），这时提交上去也只会立刻被 deadline 判失败，
+            // 白花一次 provider 调用。只有还轮询得起才提交。
+            ensure_submit_budget(provider_deadline)?;
+            submit_and_checkpoint(state, caller, job, &client, &request).await?
+        }
     };
     let snapshot = poll_until_terminal(&client, &handle, provider_deadline).await?;
     let model = read_artifact(
@@ -134,6 +140,14 @@ fn existing_checkpoint(job: &ExternalGenerationJobRecord) -> Option<String> {
         .map(ToOwned::to_owned)
 }
 
+/// 提交前的预算检查：本次尝试已经没有轮询预算时，不发起不可逆且计费的 provider submit。
+fn ensure_submit_budget(provider_deadline: Instant) -> Result<(), AppError> {
+    if Instant::now() >= provider_deadline {
+        return Err(provider_deadline_error());
+    }
+    Ok(())
+}
+
 async fn submit_and_checkpoint(
     state: &AppState,
     caller: &EditorGenerationCaller,
@@ -465,6 +479,18 @@ mod tests {
     use crate::tripo3d::job::Model3dJobKind;
     use module_assets::{AssetObjectAccessPolicy, AssetObjectUpsertInput};
 
+    /// 预算已经耗尽时不能再提交：submit 不可逆且计费，提交上去也只会立刻被 deadline 判失败。
+    #[test]
+    fn submit_is_rejected_once_the_polling_budget_is_gone() {
+        let expired = ensure_submit_budget(Instant::now())
+            .expect_err("预算已耗尽的尝试不能再发起 provider submit");
+        assert_eq!(expired.status_code(), StatusCode::BAD_GATEWAY);
+        assert!(
+            ensure_submit_budget(Instant::now() + Duration::from_secs(1)).is_ok(),
+            "还有预算时必须放行"
+        );
+    }
+
     /// at-most-once submit 完全依赖这条判定：checkpoint 有值就只能续跑查询。
     /// 空白值必须等同于“没有 checkpoint”，否则一次空写入会把 job 永久锁死。
     #[test]