diff --git a/internal/handler/app/client_realname.go b/internal/handler/app/client_realname.go
index eb9fa41..1281ded 100644
--- a/internal/handler/app/client_realname.go
+++ b/internal/handler/app/client_realname.go
@@ -107,6 +107,17 @@ func (h *ClientRealnameHandler) GetRealnameLink(c *fiber.Ctx) error {
 		return err
 	}
 
+	// after_order 策略：必须先有充值或订单才能实名
+	if asset.RealnamePolicy == constants.RealnamePolicyAfterOrder {
+		hasValid, checkErr := h.assetService.HasValidRechargeOrPaidOrder(ctx, asset.AssetType, asset.AssetID)
+		if checkErr != nil {
+			logger.GetAppLogger().Warn("检查资产有效充值或订单失败", zap.Error(checkErr))
+		}
+		if !hasValid {
+			return errors.New(errors.CodeRealnameNotAvailable)
+		}
+	}
+
 	// 6. 检查实名状态
 	if targetCard.RealNameStatus == constants.RealNameStatusVerified {
 		return errors.New(errors.CodeInvalidStatus, "该卡已完成实名")
diff --git a/internal/handler/app/client_wallet.go b/internal/handler/app/client_wallet.go
index 69e4cc5..ae79daf 100644
--- a/internal/handler/app/client_wallet.go
+++ b/internal/handler/app/client_wallet.go
@@ -230,6 +230,11 @@ func (h *ClientWalletHandler) GetRechargeCheck(c *fiber.Ctx) error {
 		return err
 	}
 
+	// before_order 策略：必须先实名才能充值
+	if resolved.Asset.RealnamePolicy == constants.RealnamePolicyBeforeOrder && resolved.Asset.RealNameStatus != 1 {
+		return errors.New(errors.CodeNeedRealname)
+	}
+
 	check, err := h.rechargeService.GetRechargeCheck(resolved.SkipPermissionCtx, resolved.ResourceType, resolved.Asset.AssetID)
 	if err != nil {
 		return err
@@ -264,6 +269,11 @@ func (h *ClientWalletHandler) CreateRecharge(c *fiber.Ctx) error {
 		return err
 	}
 
+	// before_order 策略：必须先实名才能充值
+	if resolved.Asset.RealnamePolicy == constants.RealnamePolicyBeforeOrder && resolved.Asset.RealNameStatus != 1 {
+		return errors.New(errors.CodeNeedRealname)
+	}
+
 	wallet, err := h.getOrCreateWallet(resolved)
 	if err != nil {
 		return err
diff --git a/internal/service/client_order/service.go b/internal/service/client_order/service.go
index 98e5c6e..82c46c4 100644
--- a/internal/service/client_order/service.go
+++ b/internal/service/client_order/service.go
@@ -140,11 +140,10 @@ func (s *Service) CreateOrder(ctx context.Context, customerID uint, req *dto.Cli
 		return nil, err
 	}
 
-	// 暂不做实名认证拦截，由网关侧处理
-	// REALNAME-03: 普通卡需要实名，行业卡不需要，待后续业务明确后按卡类型分支启用
-	// if assetInfo.CardCategory == "normal" && assetInfo.RealNameStatus != constants.RealNameStatusVerified {
-	// 	return nil, errors.New(errors.CodeNeedRealname)
-	// }
+	// before_order 策略：必须先实名才能购买套餐
+	if assetInfo.RealnamePolicy == constants.RealnamePolicyBeforeOrder && assetInfo.RealNameStatus != 1 {
+		return nil, errors.New(errors.CodeNeedRealname)
+	}
 
 	// 先判断是否需要强充，避免普通下单时不必要地校验微信配置
 	forceRecharge := s.checkForceRechargeRequirement(skipCtx, validationResult)
@@ -945,6 +944,30 @@ func (s *Service) PayOrder(ctx context.Context, customerID uint, orderID uint, r
 		return nil, errors.New(errors.CodeInvalidStatus, "订单状态不允许支付")
 	}
 
+	// before_order 策略：必须先实名才能支付订单
+	var assetRealnamePolicy string
+	var assetRealnameStatus int
+	if order.OrderType == model.OrderTypeSingleCard && order.IotCardID != nil {
+		card, err := s.iotCardStore.GetByID(skipCtx, *order.IotCardID)
+		if err == nil && card != nil {
+			assetRealnamePolicy = card.RealnamePolicy
+			assetRealnameStatus = card.RealNameStatus
+		}
+	} else if order.OrderType == model.OrderTypeDevice && order.DeviceID != nil {
+		device, err := s.deviceStore.GetByID(skipCtx, *order.DeviceID)
+		if err == nil && device != nil {
+			assetRealnamePolicy = device.RealnamePolicy
+			// 设备的 RealNameStatus 需要通过 Resolve 获取（从当前卡派生）
+			resolved, resolveErr := s.assetService.Resolve(skipCtx, device.VirtualNo)
+			if resolveErr == nil && resolved != nil {
+				assetRealnameStatus = resolved.RealNameStatus
+			}
+		}
+	}
+	if assetRealnamePolicy == constants.RealnamePolicyBeforeOrder && assetRealnameStatus != 1 {
+		return nil, errors.New(errors.CodeNeedRealname)
+	}
+
 	switch req.PaymentMethod {
 	case model.PaymentMethodWallet:
 		if err := s.orderPaymentService.WalletPay(skipCtx, orderID, model.BuyerTypePersonal, customerID); err != nil {