diff --git a/lib/instance/instance_dashboard_lib.py b/lib/instance/instance_dashboard_lib.py
index 70df9c2..824065b 100644
--- a/lib/instance/instance_dashboard_lib.py
+++ b/lib/instance/instance_dashboard_lib.py
@@ -162,12 +162,12 @@ def _format_options_item(p: dict[str, Any], *, conn=None) -> dict[str, Any]:
     inst = str(p.get("inst_id") or p.get("instId") or "-").strip() or "-"
     opt_type = str(p.get("opt_type") or p.get("optType") or "").upper()
     label = "Call" if opt_type == "C" else "Put" if opt_type == "P" else (opt_type or "OPT")
-    # 看板期权列:优先买一净盈亏,残档回退交易所 upl
+    # 看板期权列:统一折成 U(币本位 BTC/ETH 权利金盈亏 × 指数)
     pnl = None
     try:
-        from lib.options.options_positions_lib import display_pnl_from_option_row
+        from lib.options.options_positions_lib import display_pnl_usdt_from_option_row
 
-        pnl = display_pnl_from_option_row(p)
+        pnl = display_pnl_usdt_from_option_row(p)
     except Exception:
         pnl = None
     pos = _safe_float(p.get("pos"))
diff --git a/lib/options/options_hub_lib.py b/lib/options/options_hub_lib.py
index 4e0cdd8..021778b 100644
--- a/lib/options/options_hub_lib.py
+++ b/lib/options/options_hub_lib.py
@@ -85,13 +85,13 @@ def build_options_hub_snapshot(cfg: dict[str, Any]) -> dict[str, Any]:
                 conn.close()
         except Exception:
             target_monitors = []
-        from lib.options.options_positions_lib import display_pnl_from_option_row
+        from lib.options.options_positions_lib import display_pnl_usdt_from_option_row
 
         upl_total = 0.0
         has_upl = False
         for p in positions:
-            # 与持仓卡展示一致:优先买一净盈亏,残档回退交易所 upl
-            pnl = display_pnl_from_option_row(p)
+            # 合计一律折 U:币本位 × 指数,避免 BTC/ETH 币数量与 USDC 混加
+            pnl = display_pnl_usdt_from_option_row(p)
             if pnl is None:
                 continue
             has_upl = True
diff --git a/lib/options/options_positions_lib.py b/lib/options/options_positions_lib.py
index e97a762..fb9737f 100644
--- a/lib/options/options_positions_lib.py
+++ b/lib/options/options_positions_lib.py
@@ -125,11 +125,24 @@ def display_pnl_from_option_row(row: dict[str, Any]) -> float | None:
 
 
 def display_pnl_usdt_from_option_row(row: dict[str, Any]) -> float | None:
-    """顶栏「实时盈亏」用:币本位净盈亏按指数折 USDT;USDC 仓原样."""
+    """顶栏/看板「实时盈亏」用:币本位净盈亏按指数折 USDT;USDC 仓原样.
+
+    BTC/ETH 币本位若不折算,会被界面标成 U 而数值仍是币数量(BTC 尤为离谱).
+    """
     pnl = display_pnl_from_option_row(row)
     if pnl is None:
         return None
     ccy = str(row.get("premium_ccy") or "USDC").strip().upper() or "USDC"
+    if not ccy or ccy == "USDC":
+        # 兜底:按合约推断币本位,避免 premium_ccy 缺失时把 BTC 盈亏当 U
+        inst = str(row.get("inst_id") or row.get("instId") or "")
+        mode = str(row.get("margin_mode") or "").strip().lower()
+        if mode == "coin" or (
+            "-USD-" in inst.upper() and "_UM" not in inst.upper()
+        ):
+            underly = str(row.get("underlying") or (inst.split("-")[0] if inst else "") or "").upper()
+            if underly in ("ETH", "BTC"):
+                ccy = underly
     if ccy in ("ETH", "BTC"):
         idx = _safe_float(row.get("idx_px") or row.get("idxPx") or row.get("index_px"))
         if idx is None or idx <= 0:
diff --git a/tests/test_options_btc_pnl_usdt.py b/tests/test_options_btc_pnl_usdt.py
new file mode 100644
index 0000000..491d173
--- /dev/null
+++ b/tests/test_options_btc_pnl_usdt.py
@@ -0,0 +1,45 @@
+"""币本位期权浮盈折 U(BTC/ETH 不得把币数量直接当 U)."""
+from __future__ import annotations
+
+import unittest
+
+from lib.options.options_positions_lib import display_pnl_usdt_from_option_row
+
+
+class DisplayPnlUsdtTests(unittest.TestCase):
+    def test_btc_coin_pnl_times_index(self):
+        row = {
+            "inst_id": "BTC-USD-260327-100000-P",
+            "premium_ccy": "BTC",
+            "margin_mode": "coin",
+            "idx_px": 100000.0,
+            "upl": -0.001,
+            "close_preview": {"bid_invalid": True},
+        }
+        # 残档回退 upl: -0.001 BTC × 100000 = -100 U
+        self.assertAlmostEqual(display_pnl_usdt_from_option_row(row), -100.0, places=4)
+
+    def test_btc_infers_ccy_when_premium_ccy_missing(self):
+        row = {
+            "inst_id": "BTC-USD-260327-100000-C",
+            "margin_mode": "coin",
+            "underlying": "BTC",
+            "idx_px": 95000.0,
+            "upl": 0.002,
+            "close_preview": {"bid_invalid": True},
+        }
+        self.assertAlmostEqual(display_pnl_usdt_from_option_row(row), 190.0, places=4)
+
+    def test_usdc_unchanged(self):
+        row = {
+            "inst_id": "BTC-USD_UM-260327-100000-C",
+            "premium_ccy": "USDC",
+            "margin_mode": "usdc",
+            "upl": -12.5,
+            "close_preview": {"bid_invalid": True},
+        }
+        self.assertAlmostEqual(display_pnl_usdt_from_option_row(row), -12.5, places=4)
+
+
+if __name__ == "__main__":
+    unittest.main()