diff --git a/backend/services/contribution-service/src/application/services/contribution-calculation.service.ts b/backend/services/contribution-service/src/application/services/contribution-calculation.service.ts
index a7121846..52551790 100644
--- a/backend/services/contribution-service/src/application/services/contribution-calculation.service.ts
+++ b/backend/services/contribution-service/src/application/services/contribution-calculation.service.ts
@@ -61,12 +61,15 @@ export class ContributionCalculationService {
       ancestorChain = await this.buildAncestorChain(userReferral.referrerAccountSequence);
     }
 
-    // 获取上线的算力账户（用于判断解锁状态）
+    // 获取认种人的算力账户（用于判断 TEAM_BONUS 解锁状态）
+    const adopterAccount = await this.contributionAccountRepository.findByAccountSequence(adoption.accountSequence);
+
+    // 获取上线的算力账户（用于判断 TEAM_LEVEL 解锁状态）
     const ancestorAccountSequences = ancestorChain.map((a) => a.accountSequence);
     const ancestorAccounts = await this.contributionAccountRepository.findByAccountSequences(ancestorAccountSequences);
 
     // 执行算力计算
-    const result = this.domainCalculator.calculateAdoptionContribution(adoption, ancestorChain, ancestorAccounts);
+    const result = this.domainCalculator.calculateAdoptionContribution(adoption, adopterAccount, ancestorChain, ancestorAccounts);
 
     // 在事务中保存所有结果
     await this.unitOfWork.executeInTransaction(async () => {
diff --git a/backend/services/contribution-service/src/domain/services/contribution-calculator.service.ts b/backend/services/contribution-service/src/domain/services/contribution-calculator.service.ts
index 4efa9384..01065d81 100644
--- a/backend/services/contribution-service/src/domain/services/contribution-calculator.service.ts
+++ b/backend/services/contribution-service/src/domain/services/contribution-calculator.service.ts
@@ -15,7 +15,7 @@ export interface ContributionDistributionResult {
   // 团队层级贡献值记录（给上线们的）
   teamLevelRecords: ContributionRecordAggregate[];
 
-  // 团队额外奖励贡献值记录（给直接上线的）
+  // 团队额外奖励贡献值记录（给认种人自己的）
   teamBonusRecords: ContributionRecordAggregate[];
 
   // 未分配的贡献值（归总部）
@@ -47,12 +47,14 @@ export class ContributionCalculatorService {
    * 计算认种产生的贡献值分配
    *
    * @param adoption 认种记录
+   * @param adopterAccount 认种人的算力账户（用于判断 TEAM_BONUS 解锁状态）
    * @param ancestorChain 上线链条（从直接上线开始，最多15级）
-   * @param ancestorAccounts 上线的算力账户（用于判断解锁状态）
+   * @param ancestorAccounts 上线的算力账户（用于判断 TEAM_LEVEL 解锁状态）
    * @returns 分配结果
    */
   calculateAdoptionContribution(
     adoption: SyncedAdoption,
+    adopterAccount: ContributionAccountAggregate | null,
     ancestorChain: SyncedReferral[],
     ancestorAccounts: Map<string, ContributionAccountAggregate>,
   ): ContributionDistributionResult {
@@ -104,6 +106,7 @@ export class ContributionCalculatorService {
     // 3. 团队贡献值 (15%)
     this.distributeTeamContribution(
       adoption,
+      adopterAccount,
       baseContribution,
       treeCount,
       ancestorChain,
@@ -121,6 +124,7 @@ export class ContributionCalculatorService {
    */
   private distributeTeamContribution(
     adoption: SyncedAdoption,
+    adopterAccount: ContributionAccountAggregate | null,
     baseContribution: ContributionAmount,
     treeCount: number,
     ancestorChain: SyncedReferral[],
@@ -176,49 +180,41 @@ export class ContributionCalculatorService {
       }
     }
 
-    // 3.2 额外奖励部分 (7.5% = 2.5% × 3档) - 只给直接上线
-    if (ancestorChain.length > 0) {
-      const directReferrer = ancestorChain[0];
-      const directReferrerAccount = ancestorAccounts.get(directReferrer.accountSequence);
-      const unlockedBonusTiers = directReferrerAccount?.unlockedBonusTiers ?? 0;
+    // 3.2 额外奖励部分 (7.5% = 2.5% × 3档) - 给认种人自己
+    // T1: 自己认种即解锁（无条件，当前正在认种所以一定解锁）
+    // T2: 直推≥2人认种解锁
+    // T3: 直推≥4人认种解锁
+    const directReferralAdoptedCount = adopterAccount?.directReferralAdoptedCount ?? 0;
 
-      for (let tier = 1; tier <= 3; tier++) {
-        if (unlockedBonusTiers >= tier) {
-          // 上线已解锁该档位
-          result.teamBonusRecords.push(
-            ContributionRecordAggregate.createTeamBonus({
-              accountSequence: directReferrer.accountSequence,
-              sourceAdoptionId: adoption.originalAdoptionId,
-              sourceAccountSequence: adoption.accountSequence,
-              treeCount,
-              baseContribution,
-              bonusTier: tier,
-              effectiveDate,
-              expireDate,
-            }),
-          );
-        } else {
-          // 上线未解锁该档位，归总部
-          const bonusAmount = baseContribution.multiply(treeCount).multiply(DistributionRate.BONUS_PER.value);
-          result.unallocatedContributions.push({
-            type: `BONUS_TIER_${tier}`,
-            wouldBeAccountSequence: directReferrer.accountSequence,
-            levelDepth: null,
-            amount: bonusAmount,
-            reason: `上线${directReferrer.accountSequence}未解锁第${tier}档奖励（已解锁${unlockedBonusTiers}档）`,
-          });
-        }
-      }
-    } else {
-      // 没有上线，三个2.5%全部归总部
-      for (let tier = 1; tier <= 3; tier++) {
+    // T1 始终解锁（因为当前正在认种）
+    // T2 需要直推≥2人认种
+    // T3 需要直推≥4人认种
+    const effectiveUnlockedBonusTiers = this.calculateUnlockedBonusTiers(true, directReferralAdoptedCount);
+
+    for (let tier = 1; tier <= 3; tier++) {
+      if (effectiveUnlockedBonusTiers >= tier) {
+        // 认种人已解锁该档位，给认种人自己
+        result.teamBonusRecords.push(
+          ContributionRecordAggregate.createTeamBonus({
+            accountSequence: adoption.accountSequence,
+            sourceAdoptionId: adoption.originalAdoptionId,
+            sourceAccountSequence: adoption.accountSequence,
+            treeCount,
+            baseContribution,
+            bonusTier: tier,
+            effectiveDate,
+            expireDate,
+          }),
+        );
+      } else {
+        // 认种人未解锁该档位，归总部（冻结/待领取）
         const bonusAmount = baseContribution.multiply(treeCount).multiply(DistributionRate.BONUS_PER.value);
         result.unallocatedContributions.push({
           type: `BONUS_TIER_${tier}`,
-          wouldBeAccountSequence: null,
+          wouldBeAccountSequence: adoption.accountSequence,
           levelDepth: null,
           amount: bonusAmount,
-          reason: `认种人无上线`,
+          reason: `认种人${adoption.accountSequence}未解锁第${tier}档奖励（需直推${tier === 2 ? '2人' : '4人'}认种）`,
         });
       }
     }
diff --git a/backend/services/contribution-service/src/infrastructure/persistence/repositories/synced-data.repository.ts b/backend/services/contribution-service/src/infrastructure/persistence/repositories/synced-data.repository.ts
index a098cf65..e7ac6e48 100644
--- a/backend/services/contribution-service/src/infrastructure/persistence/repositories/synced-data.repository.ts
+++ b/backend/services/contribution-service/src/infrastructure/persistence/repositories/synced-data.repository.ts
@@ -247,18 +247,22 @@ export class SyncedDataRepository implements ISyncedDataRepository {
     let currentSequence = accountSequence;
 
     for (let i = 0; i < maxLevel; i++) {
+      // 获取当前账户的 referral 记录（包含该账户作为上线的信息）
       const referral = await this.findSyncedReferralByAccountSequence(currentSequence);
-      if (!referral || !referral.referrerAccountSequence) {
+      if (!referral) {
         break;
       }
 
-      const referrer = await this.findSyncedReferralByAccountSequence(referral.referrerAccountSequence);
-      if (!referrer) {
+      // 把当前账户加入上线链条
+      ancestors.push(referral);
+
+      // 如果没有更上级的推荐人，终止
+      if (!referral.referrerAccountSequence) {
         break;
       }
 
-      ancestors.push(referrer);
-      currentSequence = referrer.accountSequence;
+      // 继续向上追溯
+      currentSequence = referral.referrerAccountSequence;
     }
 
     return ancestors;