diff --git a/apps/worker/video_processing/render_adapter.py b/apps/worker/video_processing/render_adapter.py
index 49930092e..bd14d13a0 100755
--- a/apps/worker/video_processing/render_adapter.py
+++ b/apps/worker/video_processing/render_adapter.py
@@ -583,7 +583,13 @@ class RenderAdapter:
         try:
             from video_processing.thumbnail_generator import extract_and_upload_cover_frames
 
-            cover_candidates = extract_and_upload_cover_frames(str(result.output_path), plan_id, num_frames=3)
+            # 从 plan config 提取标题文字，叠加到封面候选帧上
+            _title_cfg = (plan_config or {}).get("title", {}) or {}
+            _title_text = (_title_cfg.get("text", "") or "").strip() if _title_cfg.get("enabled", True) else ""
+
+            cover_candidates = extract_and_upload_cover_frames(
+                str(result.output_path), plan_id, num_frames=3, title_text=_title_text
+            )
             if cover_candidates:
                 logger.info(
                     "[render-adapter] 封面候选帧生成成功: plan_id=%s count=%d",
diff --git a/apps/worker/video_processing/thumbnail_generator.py b/apps/worker/video_processing/thumbnail_generator.py
index dec1481bd..55cdc28c9 100755
--- a/apps/worker/video_processing/thumbnail_generator.py
+++ b/apps/worker/video_processing/thumbnail_generator.py
@@ -120,6 +120,92 @@ def _format_seek_time(seconds: float) -> str:
     return f"{h:02d}:{m:02d}:{s:05.2f}"
 
 
+def _overlay_title_on_image(
+    image_path: str,
+    title_text: str,
+    *,
+    timeout: int = 15,
+) -> str:
+    """在封面图上叠加标题文字（居中、白色、带阴影）。
+
+    使用 FFmpeg drawtext 滤镜，原地覆盖 image_path。
+
+    Args:
+        image_path: 输入图片路径（覆盖写入）
+        title_text: 要叠加的标题文字
+        timeout: 超时时间（秒）
+
+    Returns:
+        处理后的图片路径（与输入相同）
+    """
+    from video_processing.ffmpeg_utils import FFMPEG_BIN, run_ffmpeg
+
+    if not title_text or not title_text.strip():
+        return image_path
+
+    # 转义 drawtext 特殊字符
+    # FFmpeg drawtext 需要转义: ' : % \ [ ]
+    escaped = (
+        title_text.replace("\\", "\\\\")
+        .replace("'", "’")
+        .replace(":", "\\:")
+        .replace("%", "%%")
+        .replace("[", "\\[")
+        .replace("]", "\\]")
+    )
+    # 截断过长标题
+    if len(escaped) > 60:
+        escaped = escaped[:57] + "..."
+
+    # 使用中文字体
+    font_path = "/usr/share/fonts/opentype/noto/NotoSansCJK-Regular.ttc"
+
+    # drawtext 滤镜参数：
+    # - 白色文字，字号按画面宽度自适应（约 1/18 宽度）
+    # - 黑色阴影偏移 2px
+    # - 水平居中，垂直偏下（距底部约 15%）
+    drawtext_filter = (
+        f"drawtext=fontfile='{font_path}'"
+        f":text='{escaped}'"
+        f":fontsize=h/14"
+        f":fontcolor=white"
+        f":shadowcolor=black@0.7"
+        f":shadowx=2:shadowy=2"
+        f":x=(w-text_w)/2"
+        f":y=h*0.82-text_h/2"
+        f":borderw=0"
+    )
+
+    tmp_out = image_path + ".tmp.jpg"
+    cmd = [
+        FFMPEG_BIN,
+        "-y",
+        "-i",
+        image_path,
+        "-vf",
+        drawtext_filter,
+        "-q:v",
+        "2",
+        tmp_out,
+    ]
+
+    try:
+        run_ffmpeg(cmd, capture_output=True, timeout=timeout)
+        # 覆盖原文件
+        import shutil
+
+        shutil.move(tmp_out, image_path)
+        logger.info("封面标题叠加成功: text=%s", title_text[:30])
+    except Exception as e:
+        logger.warning("封面标题叠加失败（使用原图）: %s", e)
+        try:
+            Path(tmp_out).unlink(missing_ok=True)
+        except Exception:
+            pass
+
+    return image_path
+
+
 def generate_and_upload_thumbnail(
     video_path: str,
     storage_key: str,
@@ -163,6 +249,7 @@ def extract_cover_candidates(
     *,
     width: int = 640,
     timeout: int = 30,
+    title_text: str = "",
 ) -> list[dict]:
     """在视频时长 25%/50%/75% 处各抽一帧，返回候选帧信息列表。
 
@@ -218,6 +305,9 @@ def extract_cover_candidates(
             run_ffmpeg(cmd, capture_output=True, timeout=timeout)
 
             if Path(output_path).exists() and Path(output_path).stat().st_size > 0:
+                # 叠加标题文字
+                if title_text and title_text.strip():
+                    _overlay_title_on_image(output_path, title_text, timeout=timeout)
                 results.append(
                     {
                         "local_path": output_path,
@@ -237,6 +327,8 @@ def extract_and_upload_cover_frames(
     video_path: str,
     plan_id: str,
     num_frames: int = 3,
+    *,
+    title_text: str = "",
 ) -> list[dict]:
     """抽取封面候选帧并上传到 OSS。
 
@@ -248,7 +340,7 @@ def extract_and_upload_cover_frames(
     Returns:
         [{"image_url": "https://...", "frame_time": 5.0, "storage_key": "covers/xxx/frame_0.jpg"}, ...]
     """
-    candidates = extract_cover_candidates(video_path, num_frames=num_frames)
+    candidates = extract_cover_candidates(video_path, num_frames=num_frames, title_text=title_text)
     if not candidates:
         logger.warning("封面候选帧抽取为空: plan_id=%s", plan_id)
         return []