diff --git a/apps/web/src/pages/generate/GeneratePage.tsx b/apps/web/src/pages/generate/GeneratePage.tsx
index e41a8da8c..e7ca18edd 100644
--- a/apps/web/src/pages/generate/GeneratePage.tsx
+++ b/apps/web/src/pages/generate/GeneratePage.tsx
@@ -39,7 +39,7 @@ const GeneratePage: React.FC = () => {
   /* ── 表单状态 ── */
   const formState = useGenerateFormState()
   /* ── 积分状态 ── */
-  const { balance, init: initPoints } = usePointsStore()
+  const { balance, dailyUsage, rules, init: initPoints } = usePointsStore()
   useEffect(() => {
     initPoints()
   }, [initPoints])
@@ -358,7 +358,14 @@ const GeneratePage: React.FC = () => {
   const handleConfirmGenerate = useCallback(async () => {
     // 积分预检查
     const units = isBatch ? Math.max(selectedVariantIds.length, 1) : 1
-    const check = hasEnoughPoints(balance ?? null, units)
+    const check = hasEnoughPoints(
+      balance ?? null,
+      units,
+      dailyUsage ?? null,
+      [],
+      "free",
+      rules?.free_user_multiplier ?? 1.15,
+    )
     if (!check.sufficient) {
       message.error(check.reason ?? "积分不足，请充值")
       return
@@ -397,6 +404,8 @@ const GeneratePage: React.FC = () => {
     handleGenerate,
     setCurrentStep,
     balance,
+    dailyUsage,
+    rules,
   ])
 
   /* ── 步骤导航 ── */
@@ -423,8 +432,16 @@ const GeneratePage: React.FC = () => {
   /* ── 积分消耗估算（步骤3确认生成展示用） ── */
   const unitsForCost = isBatch ? Math.max(selectedVariantIds.length, 1) : 1
   const pointsEstimate = useMemo(
-    () => hasEnoughPoints(balance ?? null, unitsForCost),
-    [unitsForCost, balance],
+    () =>
+      hasEnoughPoints(
+        balance ?? null,
+        unitsForCost,
+        dailyUsage ?? null,
+        [],
+        "free",
+        rules?.free_user_multiplier ?? 1.15,
+      ),
+    [unitsForCost, balance, dailyUsage, rules],
   )
   const insufficientPoints = !pointsEstimate.sufficient