diff --git a/internal/model/device.go b/internal/model/device.go
index 1da6f85..fe9167d 100644
--- a/internal/model/device.go
+++ b/internal/model/device.go
@@ -43,7 +43,7 @@ type Device struct {
 	SoftwareVersion   string     `gorm:"column:software_version;type:varchar(100);not null;default:'';comment:固件版本号" json:"software_version"`
 	SwitchMode        string     `gorm:"column:switch_mode;type:varchar(10);not null;default:'0';comment:切卡模式：0=自动 1=手动" json:"switch_mode"`
 	LastGatewaySyncAt *time.Time `gorm:"column:last_gateway_sync_at;comment:最后一次 sync-info 同步时间" json:"last_gateway_sync_at,omitempty"`
-	RealnamePolicy    string     `gorm:"column:realname_policy;type:varchar(20);default:'none';not null;comment:实名认证策略(none=无需实名,before_order=先实名后充值/购买,after_order=先充值/购买后实名)" json:"realname_policy"`
+	RealnamePolicy    string     `gorm:"column:realname_policy;type:varchar(20);default:'after_order';not null;comment:实名认证策略(none=无需实名,before_order=先实名后充值/购买,after_order=先充值/购买后实名)" json:"realname_policy"`
 }
 
 // TableName 指定表名
diff --git a/internal/model/device_import_task.go b/internal/model/device_import_task.go
index e6d1f63..01b7132 100644
--- a/internal/model/device_import_task.go
+++ b/internal/model/device_import_task.go
@@ -28,7 +28,7 @@ type DeviceImportTask struct {
 	ErrorMessage   string            `gorm:"column:error_message;type:text;comment:错误信息" json:"error_message"`
 	StartedAt      *time.Time        `gorm:"column:started_at;comment:开始处理时间" json:"started_at"`
 	CompletedAt    *time.Time        `gorm:"column:completed_at;comment:完成时间" json:"completed_at"`
-	RealnamePolicy string            `gorm:"column:realname_policy;type:varchar(20);default:'none';not null;comment:导入批次实名策略(none=无需实名,before_order=先实名后充值/购买,after_order=先充值/购买后实名)" json:"realname_policy"`
+	RealnamePolicy string            `gorm:"column:realname_policy;type:varchar(20);default:'after_order';not null;comment:导入批次实名策略(none=无需实名,before_order=先实名后充值/购买,after_order=先充值/购买后实名)" json:"realname_policy"`
 }
 
 // TableName 指定表名
diff --git a/internal/model/iot_card.go b/internal/model/iot_card.go
index 70038b6..cd675a3 100644
--- a/internal/model/iot_card.go
+++ b/internal/model/iot_card.go
@@ -54,7 +54,7 @@ type IotCard struct {
 	VirtualNo            string     `gorm:"column:virtual_no;type:varchar(50);uniqueIndex:idx_iot_card_virtual_no,where:deleted_at IS NULL AND virtual_no IS NOT NULL AND virtual_no <> '';comment:虚拟号(可选，非空时全局唯一)" json:"virtual_no,omitempty"`
 	DeviceVirtualNo      string     `gorm:"column:device_virtual_no;type:varchar(100);not null;default:'';comment:绑定设备的虚拟号快照(未绑定时为空字符串)" json:"device_virtual_no"`
 	LastGatewayReadingMB float64    `gorm:"column:last_gateway_reading_mb;type:float;not null;default:0;comment:上次轮询时网关返回的流量读数(MB)" json:"last_gateway_reading_mb"`
-	RealnamePolicy       string     `gorm:"column:realname_policy;type:varchar(20);default:'none';not null;comment:实名认证策略(none=无需实名,before_order=先实名后充值/购买,after_order=先充值/购买后实名)" json:"realname_policy"`
+	RealnamePolicy       string     `gorm:"column:realname_policy;type:varchar(20);default:'after_order';not null;comment:实名认证策略(none=无需实名,before_order=先实名后充值/购买,after_order=先充值/购买后实名)" json:"realname_policy"`
 }
 
 // TableName 指定表名
diff --git a/internal/model/iot_card_import_task.go b/internal/model/iot_card_import_task.go
index 3dc85ba..c2e42f8 100644
--- a/internal/model/iot_card_import_task.go
+++ b/internal/model/iot_card_import_task.go
@@ -32,7 +32,7 @@ type IotCardImportTask struct {
 	StorageBucket  string            `gorm:"column:storage_bucket;type:varchar(100);comment:对象存储桶名" json:"storage_bucket,omitempty"`
 	StorageKey     string            `gorm:"column:storage_key;type:varchar(500);comment:对象存储文件路径" json:"storage_key,omitempty"`
 	CardCategory   string            `gorm:"column:card_category;type:varchar(20);default:normal;not null;comment:卡业务类型(normal/industry)" json:"card_category"`
-	RealnamePolicy string            `gorm:"column:realname_policy;type:varchar(20);default:'none';not null;comment:导入批次实名策略(none=无需实名,before_order=先实名后充值/购买,after_order=先充值/购买后实名)" json:"realname_policy"`
+	RealnamePolicy string            `gorm:"column:realname_policy;type:varchar(20);default:'after_order';not null;comment:导入批次实名策略(none=无需实名,before_order=先实名后充值/购买,after_order=先充值/购买后实名)" json:"realname_policy"`
 }
 
 // CardItem 卡信息（ICCID + MSISDN + VirtualNo）