diff --git a/crypto_monitor_binance/.env.example b/crypto_monitor_binance/.env.example
index 4efea0e..5ffd4ad 100644
--- a/crypto_monitor_binance/.env.example
+++ b/crypto_monitor_binance/.env.example
@@ -154,11 +154,11 @@ DAILY_OPEN_HARD_LIMIT=0
 # 账户冷静期 / 日冻结风控（手动平仓、外部平仓、复盘情绪标签）
 # 详见 docs/account-risk-cooldown.md
 # =============================================================================
-# RISK_CONTROL_ENABLED=true
-# RISK_COOLING_HOURS_MANUAL=4
-# RISK_COOLING_HOURS_MANUAL_JOURNAL=1
-# RISK_MANUAL_CLOSE_DAILY_LIMIT=2
-# RISK_MOOD_ISSUES_DAILY_FREEZE=true
+RISK_CONTROL_ENABLED=true
+RISK_COOLING_HOURS_MANUAL=4
+RISK_COOLING_HOURS_MANUAL_JOURNAL=1
+RISK_MANUAL_CLOSE_DAILY_LIMIT=2
+RISK_MOOD_ISSUES_DAILY_FREEZE=true
 
 # 资金与仓位刷新周期（秒）
 BALANCE_REFRESH_SECONDS=60
diff --git a/crypto_monitor_gate/.env.example b/crypto_monitor_gate/.env.example
index 540cbdd..879e782 100644
--- a/crypto_monitor_gate/.env.example
+++ b/crypto_monitor_gate/.env.example
@@ -156,11 +156,11 @@ DAILY_OPEN_HARD_LIMIT=0
 # 账户冷静期 / 日冻结风控（手动平仓、外部平仓、复盘情绪标签）
 # 详见 docs/account-risk-cooldown.md
 # =============================================================================
-# RISK_CONTROL_ENABLED=true
-# RISK_COOLING_HOURS_MANUAL=4
-# RISK_COOLING_HOURS_MANUAL_JOURNAL=1
-# RISK_MANUAL_CLOSE_DAILY_LIMIT=2
-# RISK_MOOD_ISSUES_DAILY_FREEZE=true
+RISK_CONTROL_ENABLED=true
+RISK_COOLING_HOURS_MANUAL=4
+RISK_COOLING_HOURS_MANUAL_JOURNAL=1
+RISK_MANUAL_CLOSE_DAILY_LIMIT=2
+RISK_MOOD_ISSUES_DAILY_FREEZE=true
 
 # 资金与仓位刷新周期（秒）
 BALANCE_REFRESH_SECONDS=60
diff --git a/crypto_monitor_okx/.env.example b/crypto_monitor_okx/.env.example
index 26a27c2..47d29e4 100644
--- a/crypto_monitor_okx/.env.example
+++ b/crypto_monitor_okx/.env.example
@@ -184,11 +184,11 @@ DAILY_OPEN_HARD_LIMIT=0
 # 账户冷静期 / 日冻结风控（手动平仓、外部平仓、复盘情绪标签）
 # 详见 docs/account-risk-cooldown.md
 # =============================================================================
-# RISK_CONTROL_ENABLED=true
-# RISK_COOLING_HOURS_MANUAL=4
-# RISK_COOLING_HOURS_MANUAL_JOURNAL=1
-# RISK_MANUAL_CLOSE_DAILY_LIMIT=2
-# RISK_MOOD_ISSUES_DAILY_FREEZE=true
+RISK_CONTROL_ENABLED=true
+RISK_COOLING_HOURS_MANUAL=4
+RISK_COOLING_HOURS_MANUAL_JOURNAL=1
+RISK_MANUAL_CLOSE_DAILY_LIMIT=2
+RISK_MOOD_ISSUES_DAILY_FREEZE=true
 
 # 资金与仓位刷新周期（秒）
 BALANCE_REFRESH_SECONDS=60
diff --git a/lib/env/env_ui_manifest.py b/lib/env/env_ui_manifest.py
index 146e402..b267bf3 100644
--- a/lib/env/env_ui_manifest.py
+++ b/lib/env/env_ui_manifest.py
@@ -1,6 +1,7 @@
 """env 配置页 UI 白名单：中文标签、按交易所过滤。"""
 from __future__ import annotations
 
+import os
 from typing import Any, Optional
 
 from lib.env.env_file_lib import env_get_all, read_env_lines
@@ -137,6 +138,27 @@ _OPTIONS_SECTION: dict[str, Any] = {
 }
 
 
+# 与运行时 os.getenv 默认一致；.env 未写明时展示实际生效值（同风控说明页）
+_RUNTIME_ENV_DEFAULTS: dict[str, str] = {
+    "RISK_CONTROL_ENABLED": "true",
+    "RISK_COOLING_HOURS_MANUAL": "4",
+    "RISK_COOLING_HOURS_MANUAL_JOURNAL": "1",
+    "RISK_MANUAL_CLOSE_DAILY_LIMIT": "2",
+    "RISK_MOOD_ISSUES_DAILY_FREEZE": "true",
+}
+
+
+def _effective_env_value(key: str, file_values: dict[str, str], schema_default: str = "") -> str:
+    if key in file_values:
+        return file_values[key]
+    runtime = os.getenv(key)
+    if runtime is not None and str(runtime).strip() != "":
+        return str(runtime).strip()
+    if schema_default:
+        return schema_default
+    return _RUNTIME_ENV_DEFAULTS.get(key, "")
+
+
 def _schema_field_map(example_path: str) -> dict[str, dict[str, Any]]:
     out: dict[str, dict[str, Any]] = {}
     for group in parse_env_example_schema(example_path):
@@ -153,17 +175,15 @@ def _build_field(
     values: dict[str, str],
 ) -> dict[str, Any]:
     meta = schema.get(key) or {}
-    default_val = meta.get("default") or values.get(key) or ""
-    val = values.get(key)
-    if val is None:
-        val = default_val
+    schema_default = meta.get("default") or ""
+    val = _effective_env_value(key, values, schema_default)
     masked = _mask_value(key, val)
-    ftype = meta.get("type") or _field_type(key, default_val)
+    ftype = meta.get("type") or _field_type(key, val or schema_default)
     return {
         "key": key,
         "label": label,
         "note": note or meta.get("note") or "",
-        "default": default_val,
+        "default": val,
         "type": ftype,
         "sensitive": meta.get("sensitive", _is_sensitive(key)),
         "restart_required": meta.get("restart_required", _restart_required(key)),