diff --git a/apps/web/src/pages/ai-avatar/components/PanelCoverAndGenerate.tsx b/apps/web/src/pages/ai-avatar/components/PanelCoverAndGenerate.tsx
index ea9961802..278e01400 100644
--- a/apps/web/src/pages/ai-avatar/components/PanelCoverAndGenerate.tsx
+++ b/apps/web/src/pages/ai-avatar/components/PanelCoverAndGenerate.tsx
@@ -1,17 +1,18 @@
 /**
  * AI数字人 — 面板5：封面 & 生成
- * - 竖屏 9:16 封面预览（从视频截取 / 自定义上传）
+ * - 竖屏 9:16 封面预览（从视频截取 / 自定义上传）+ 标题文字实时叠加预览
  * - 分辨率选择（720p / 1080p / 4K）
  * - 配置汇总卡片（出镜视频/音色/文案/对口型/B-roll/标题/封面）
  * - 渐变紫色生成按钮
  *
  * 注意：v3 已删除"画面插入模式"，本面板不包含该选项。
  */
-import React, { useRef } from "react"
-import type { AiAvatarCoverConfig } from "../types"
+import React, { useMemo, useRef } from "react"
+import type { AiAvatarCoverConfig, AiAvatarTitleConfig } from "../types"
 
 interface PanelCoverAndGenerateProps {
   coverConfig: AiAvatarCoverConfig
+  titleConfig: AiAvatarTitleConfig
   onCoverConfigChange: (partial: Partial<AiAvatarCoverConfig>) => void
   resolution: string
   onResolutionChange: (r: string) => void
@@ -47,8 +48,19 @@ const LIPSYNC_STATUS_LABEL: Record<string, { text: string; cls: string }> = {
   failed: { text: "失败", cls: "aa-status-badge--failed" },
 }
 
+/** 字体名 → CSS font-family 映射（与后端 drawtext 对齐） */
+const FONT_FAMILY_MAP: Record<string, string> = {
+  思源黑体: "'Noto Sans SC', 'Source Han Sans SC', 'PingFang SC', 'Microsoft YaHei', sans-serif",
+  思源宋体: "'Noto Serif SC', 'Source Han Serif SC', 'SimSun', serif",
+  楷体: "KaiTi, 'STKaiti', serif",
+  黑体: "'Heiti SC', 'SimHei', 'Microsoft YaHei', sans-serif",
+}
+
+const getFontFamily = (font: string): string => FONT_FAMILY_MAP[font] || FONT_FAMILY_MAP["思源黑体"]
+
 const PanelCoverAndGenerate: React.FC<PanelCoverAndGenerateProps> = ({
   coverConfig,
+  titleConfig,
   onCoverConfigChange,
   resolution,
   onResolutionChange,
@@ -86,15 +98,85 @@ const PanelCoverAndGenerate: React.FC<PanelCoverAndGenerateProps> = ({
 
   const canGenerate = summary.lipsyncStatus === "completed" && !isGenerating
 
+  /** 封面图实际展示的 url：智能封面 > 自定义上传 > 空 */
+  const coverUrl =
+    coverConfig.smart_cover_url || coverConfig.thumbnail_url || coverConfig.upload_url
+  const hasCoverImage = Boolean(coverUrl)
+
+  /** 是否显示标题叠加层：有图、有文字、非加载中 */
+  const showTitleOverlay =
+    hasCoverImage && !smartCoverLoading && titleConfig.title.trim().length > 0
+
+  /** 计算标题叠加层的 inline 样式 */
+  const titleOverlayStyle = useMemo<React.CSSProperties>(() => {
+    const style: React.CSSProperties = {
+      position: "absolute",
+      left: "50%",
+      width: "90%",
+      transform: "translateX(-50%)",
+      textAlign: "center",
+      boxSizing: "border-box",
+      padding: "0 4px",
+      wordBreak: "break-word",
+      whiteSpace: "pre-wrap",
+      color: titleConfig.color || "#ffffff",
+      fontSize: `${titleConfig.size}px`,
+      fontFamily: getFontFamily(titleConfig.font),
+      fontWeight: titleConfig.bold ? "bold" : "normal",
+      fontStyle: titleConfig.italic ? "italic" : "normal",
+      lineHeight: 1.3,
+      pointerEvents: "none",
+    }
+
+    // 位置
+    const pos = titleConfig.position || "bottom"
+    if (pos === "top") {
+      style.top = "40px"
+    } else if (pos === "center") {
+      style.top = "50%"
+      style.transform = "translate(-50%, -50%)"
+    } else if (pos === "custom" && titleConfig.pos_x != null && titleConfig.pos_y != null) {
+      // pos_x/pos_y 是相对预览容器的百分比坐标
+      style.left = `${titleConfig.pos_x}%`
+      style.top = `${titleConfig.pos_y}%`
+      style.transform = "translate(-50%, -50%)"
+    } else {
+      style.bottom = "40px"
+    }
+
+    // 描边优先于阴影（二者互斥，与 drawtext 对齐）
+    if (titleConfig.stroke) {
+      // 描边宽度按字号估算，保证视觉一致
+      const strokeWidth = Math.max(1, Math.round(titleConfig.size / 18))
+      ;(style as React.CSSProperties)["WebkitTextStroke"] = `${strokeWidth}px rgba(0,0,0,0.75)`
+      style.textShadow = "none"
+    } else if (titleConfig.shadow) {
+      style.textShadow = "0 2px 8px rgba(0,0,0,0.7), 0 0 2px rgba(0,0,0,0.5)"
+    } else {
+      // 默认给轻微阴影保证白字在亮背景可读
+      style.textShadow = "0 2px 6px rgba(0,0,0,0.6)"
+    }
+
+    return style
+  }, [titleConfig])
+
   return (
     <div className="aa-cover-generate">
       {/* 封面预览（竖屏 9:16） */}
       <div className="aa-cover-preview">
-        {coverConfig.thumbnail_url ? (
-          <img src={coverConfig.thumbnail_url} alt="封面预览" />
+        {hasCoverImage ? (
+          <img src={coverUrl!} alt="封面预览" draggable={false} />
         ) : (
           <span className="aa-cover-preview__placeholder">暂无封面</span>
         )}
+        {/* 智能封面加载遮罩 */}
+        {smartCoverLoading && <div className="aa-cover-preview__loading">⏳ 智能选帧中…</div>}
+        {/* 标题文字叠加层（实时预览，仅前端视觉参考，最终由后端 ffmpeg drawtext 叠加） */}
+        {showTitleOverlay && (
+          <div style={titleOverlayStyle} aria-hidden="true">
+            {titleConfig.title}
+          </div>
+        )}
       </div>
 
       <div className="aa-cover-actions">