diff --git a/lib/instance/instance_embed_lib.py b/lib/instance/instance_embed_lib.py
index f0b8e45..29e1f4c 100644
--- a/lib/instance/instance_embed_lib.py
+++ b/lib/instance/instance_embed_lib.py
@@ -220,10 +220,19 @@ def pwa_app_name(exchange_key: str) -> str:
 
 
 def embed_context_extras(exchange_key: str) -> dict:
+    # 顶栏共享模板调用 trading_account_label / options_funding_label;
+    # 须注入三所,否则 Gate/Binance 渲染会 UndefinedError → HTTP 500.
+    from lib.instance.instance_embed_context_lib import (
+        options_funding_label,
+        trading_account_label,
+    )
+
     return {
         "order_rule_tips_tpl": order_rule_tips_template(exchange_key),
         "include_transfer_block": include_transfer_block(exchange_key),
         "ui_open_guard_enabled": ui_open_guard_enabled(exchange_key),
         "ui_orphan_recovery_enabled": ui_orphan_recovery_enabled(exchange_key),
         "pwa_app_name": pwa_app_name(exchange_key),
+        "options_funding_label": options_funding_label,
+        "trading_account_label": trading_account_label,
     }
diff --git a/lib/instance/templates/embed_boot_scripts.html b/lib/instance/templates/embed_boot_scripts.html
index 1058e24..b9f70b0 100644
--- a/lib/instance/templates/embed_boot_scripts.html
+++ b/lib/instance/templates/embed_boot_scripts.html
@@ -1143,7 +1143,8 @@ function formatOptionsFundingLabel(usdc, usdt, eth, marginMode, underly) {
     return `${n.toFixed(2)} USDC`;
 }
 function formatTradingAccountLabel(usdt, eth, btc, marginMode) {
-    const mode = String(marginMode || "coin").toLowerCase();
+    // 缺省按 usdc(xx.xxU):Gate/Binance 快照无 options_margin_mode;OKX 会显式下发.
+    const mode = String(marginMode || "usdc").toLowerCase();
     if (mode !== "coin") {
         if (usdt === null || usdt === undefined || usdt === "") return "—";
         const n = Number(usdt);
@@ -1203,7 +1204,7 @@ function accountSnapshotFundingMissing(data){
 let accountSnapshotRetryCount = 0;
 function applyAccountSnapshot(data){
     if(!data || typeof data !== "object") return;
-    const coinMode = String(data.options_margin_mode || "coin").toLowerCase() === "coin";
+    const coinMode = String(data.options_margin_mode || "").toLowerCase() === "coin";
     if(typeof data.show_perp_funds !== "undefined"){
         applyPerpFundsVisibility(data.show_perp_funds !== false || coinMode);
     } else if (coinMode) {
diff --git a/lib/instance/templates/index.html b/lib/instance/templates/index.html
index 7d9d409..0730f3b 100644
--- a/lib/instance/templates/index.html
+++ b/lib/instance/templates/index.html
@@ -1624,7 +1624,8 @@ function formatOptionsFundingLabel(usdc, usdt, eth, marginMode, underly) {
     return `${n.toFixed(2)} USDC`;
 }
 function formatTradingAccountLabel(usdt, eth, btc, marginMode) {
-    const mode = String(marginMode || "coin").toLowerCase();
+    // 缺省按 usdc(xx.xxU):Gate/Binance 快照无 options_margin_mode;OKX 会显式下发.
+    const mode = String(marginMode || "usdc").toLowerCase();
     if (mode !== "coin") {
         if (usdt == null || usdt === "") return "—";
         const n = Number(usdt);
@@ -1684,7 +1685,7 @@ function accountSnapshotFundingMissing(data){
 let accountSnapshotRetryCount = 0;
 function applyAccountSnapshot(data){
     if(!data || typeof data !== "object") return;
-    const coinMode = String(data.options_margin_mode || "coin").toLowerCase() === "coin";
+    const coinMode = String(data.options_margin_mode || "").toLowerCase() === "coin";
     if(typeof data.show_perp_funds !== "undefined"){
         applyPerpFundsVisibility(data.show_perp_funds !== false || coinMode);
     } else if (coinMode) {
diff --git a/lib/instance/templates/instance_header_panel.html b/lib/instance/templates/instance_header_panel.html
index 4f3a675..9118bcb 100644
--- a/lib/instance/templates/instance_header_panel.html
+++ b/lib/instance/templates/instance_header_panel.html
@@ -38,11 +38,12 @@
         {% include 'instance_header_stats.html' %}
     </div>
     <div class="instance-header-phone-strip instance-phone-only" aria-label="手机资金摘要">
-        {% set _coin_margin = (options_margin_mode|default('coin')) == 'coin' %}
+        {% set _coin_margin = (options_enabled|default(false)) and (options_margin_mode|default('coin')) == 'coin' %}
         {% set _show_perp = (show_perp_funds|default(true)) or _coin_margin %}
+        {% set _trading_margin_mode = 'coin' if _coin_margin else 'usdc' %}
         <span class="inst-phone-chip"{% if not _show_perp %} style="display:none"{% endif %} data-perp-funds="1">
             <em>交易</em>
-            <b data-funds-field="current-capital">{{ trading_account_label(current_capital, options_trading_eth, options_trading_btc, margin_mode=options_margin_mode|default('coin')) }}</b>
+            <b data-funds-field="current-capital">{{ trading_account_label(current_capital, options_trading_eth, options_trading_btc, margin_mode=_trading_margin_mode) }}</b>
         </span>
         <span class="inst-phone-chip"{% if not _show_perp %} style="display:none"{% endif %} data-perp-funds="1">
             <em>资金</em>
diff --git a/lib/instance/templates/instance_header_stats.html b/lib/instance/templates/instance_header_stats.html
index 67fcc38..7549899 100644
--- a/lib/instance/templates/instance_header_stats.html
+++ b/lib/instance/templates/instance_header_stats.html
@@ -1,6 +1,8 @@
 {# 资金与统计条(顶栏 / 系统设置共用,单行展示) #}
-{% set _coin_margin = (options_margin_mode|default('coin')) == 'coin' %}
+{# 币本位顶栏仅 OKX 期权开启时生效;Gate/Binance 保持原 xx.xxU #}
+{% set _coin_margin = (options_enabled|default(false)) and (options_margin_mode|default('coin')) == 'coin' %}
 {% set _show_perp = (show_perp_funds|default(true)) or _coin_margin %}
+{% set _trading_margin_mode = 'coin' if _coin_margin else 'usdc' %}
 <div class="instance-header-stats{% if options_enabled %} instance-header-stats--options{% endif %}">
     <div class="stat-strip-item stat-strip-item--primary">
         <div class="label">交易所</div>
@@ -32,7 +34,7 @@
     </div>
     <div class="stat-strip-item"{% if not _show_perp %} style="display:none"{% endif %} data-perp-funds="1">
         <div class="label">交易账户</div>
-        <div class="value" id="current-capital" data-funds-field="current-capital">{{ trading_account_label(current_capital, options_trading_eth, options_trading_btc, margin_mode=options_margin_mode|default('coin')) }}</div>
+        <div class="value" id="current-capital" data-funds-field="current-capital">{{ trading_account_label(current_capital, options_trading_eth, options_trading_btc, margin_mode=_trading_margin_mode) }}</div>
     </div>
     {% if options_enabled and not _coin_margin %}
     <div class="stat-strip-item" data-options-funds="1">