diff --git a/internal/service/order/service.go b/internal/service/order/service.go
index 83c978a..eaf2bb4 100644
--- a/internal/service/order/service.go
+++ b/internal/service/order/service.go
@@ -1776,16 +1776,32 @@ func (s *Service) activateMainPackage(ctx context.Context, tx *gorm.DB, order *m
 		nextResetAt = packagepkg.CalculateNextResetTime(pkg.DataResetCycle, pkg.CalendarType, now, activatedAt)
 	}
 
-	// REALNAME-02: 后台囤货场景三维决策（卡类型 + 购买路径 + expiry_base）
+	// REALNAME-02: 后台囤货场景三维决策（卡类型 + 购买路径 + expiry_base + 实名状态）
 	// 注意：仅在 else 分支（立即激活）时才需要判断是否切换为等实名
 	if !hasActiveMain {
 		// 查询卡类型（行业卡永远直接激活，不等实名）
+		// 同时查询载体当前实名状态：已实名则跳过 pending，直接激活
 		var cardCategory string
+		var currentlyRealnamed bool
 		if carrierType == "iot_card" {
 			var card model.IotCard
-			if err := tx.Select("card_category").First(&card, carrierID).Error; err == nil {
+			if err := tx.Select("card_category", "real_name_status").First(&card, carrierID).Error; err == nil {
 				cardCategory = card.CardCategory
+				currentlyRealnamed = card.RealNameStatus == constants.RealNameStatusVerified
 			}
+			// err != nil 时 currentlyRealnamed 保守默认 false，不阻断购买流程
+		} else if carrierType == "device" {
+			// 子查询：统计该设备绑定的已实名卡数量（GORM 自动注入 deleted_at IS NULL）
+			var count int64
+			subQuery := tx.Model(&model.DeviceSimBinding{}).
+				Select("iot_card_id").
+				Where("device_id = ? AND bind_status = 1", carrierID)
+			if err := tx.Model(&model.IotCard{}).
+				Where("id IN (?) AND real_name_status = 1", subQuery).
+				Count(&count).Error; err == nil {
+				currentlyRealnamed = count > 0
+			}
+			// err != nil 时保守默认 false，不阻断购买流程
 		}
 
 		// 判断是否 C 端购买（C 端购买前已做实名前置检查，直接激活）
@@ -1794,12 +1810,18 @@ func (s *Service) activateMainPackage(ctx context.Context, tx *gorm.DB, order *m
 		if cardCategory != "industry" && !isCEndPurchase {
 			// 后台囤货路径：按 expiry_base 决定是否等实名
 			if pkg.ExpiryBase != "from_purchase" {
-				// from_activation（默认）：等实名后激活
-				status = constants.PackageUsageStatusPending
-				pendingRealnameActivation = true
-				activatedAt = time.Time{}
-				expiresAt = time.Time{}
-				nextResetAt = nil
+				if currentlyRealnamed {
+					s.logger.Info("购买时载体已实名，直接激活套餐",
+						zap.String("carrier_type", carrierType),
+						zap.Uint("carrier_id", carrierID))
+				} else {
+					// from_activation（默认）：未实名，等实名后激活
+					status = constants.PackageUsageStatusPending
+					pendingRealnameActivation = true
+					activatedAt = time.Time{}
+					expiresAt = time.Time{}
+					nextResetAt = nil
+				}
 			}
 			// from_purchase：立即激活，status 已为 Active，保持不变
 		}