diff --git a/backend/internal/service/account_usage_service.go b/backend/internal/service/account_usage_service.go
index 4088408c72..1661eca7c6 100644
--- a/backend/internal/service/account_usage_service.go
+++ b/backend/internal/service/account_usage_service.go
@@ -503,6 +503,13 @@ func (s *AccountUsageService) GetUsage(ctx context.Context, accountID int64, for
 	return s.getUsageForAccount(ctx, account, forceProbe)
 }
 
+// GetUsageForAccount 已加载账号的使用量直通入口（配额监控 fetcher 复用，
+// 避免缓存未命中时账号被加载两次——每次 GetByID 含 proxies/groups 联查）。
+func (s *AccountUsageService) GetUsageForAccount(ctx context.Context, account *Account, force ...bool) (*UsageInfo, error) {
+	forceProbe := len(force) > 0 && force[0]
+	return s.getUsageForAccount(ctx, account, forceProbe)
+}
+
 // GetUsageBatch 批量获取账号使用量。
 // Anthropic OAuth/SetupToken 统一走 passive 链路，其他账号复用现有主动查询逻辑。
 // 单个账号失败不会中断整批请求，错误会按账号返回。
diff --git a/backend/internal/service/channel_monitor_quota_fetcher.go b/backend/internal/service/channel_monitor_quota_fetcher.go
index 2b6d54b683..479762ae8d 100644
--- a/backend/internal/service/channel_monitor_quota_fetcher.go
+++ b/backend/internal/service/channel_monitor_quota_fetcher.go
@@ -19,10 +19,12 @@ import (
 // 渠道监控「配额模式」的配额抓取器。
 //
 // 不直接对接上游，而是把账号侧现成的用量服务归一成 domain.MonitorQuotaSnapshot：
-//   - 海外 5 家（anthropic/openai/gemini/antigravity/grok）→ AccountUsageService.GetUsage
-//   - 国产 coding plan（kimi/zhipu/deepseek）→ CNProviderQuotaService.QueryUsage
-//   - 国产 payg（kimi/deepseek）→ CNProviderBalanceService.QueryBalance
-//     （zhipu payg 无公开余额端点，QueryBalance 会返回该错误，原样透出）
+//   - 海外 5 家（anthropic/openai/gemini/antigravity/grok）→ AccountUsageService.GetUsageForAccount
+//   - 国产 coding plan（kimi/zhipu/deepseek）→ CNProviderQuotaService.QueryUsageForAccount
+//   - 国产 payg（kimi/deepseek）→ CNProviderBalanceService.QueryBalanceForAccount
+//     （zhipu payg 无公开余额端点，探测会返回该错误，原样透出）
+// 数据源统一接受已加载的 *Account：fetchUncached 路由前 GetByID 一次并传下去，
+// 下游服务不再各自重载（每次 GetByID 含 proxies/groups 联查）。
 //
 // Fetch 永不返回 error：所有失败都降级为 Success=false 的快照照常入库，
 // 由 deriveQuotaCheckResult 推导为 failed/error 状态。
@@ -33,18 +35,19 @@ import (
 // 抓取由 singleflight 合并为一次上游查询。
 
 // monitorUsageSource 海外平台账号用量查询（AccountUsageService 天然满足）。
+// 传已加载的 *Account：fetchUncached 只 GetByID 一次，下游不再重复加载。
 type monitorUsageSource interface {
-	GetUsage(ctx context.Context, accountID int64, force ...bool) (*UsageInfo, error)
+	GetUsageForAccount(ctx context.Context, account *Account, force ...bool) (*UsageInfo, error)
 }
 
 // monitorCNQuotaSource 国产 coding plan 滚动窗口额度探测（CNProviderQuotaService 天然满足）。
 type monitorCNQuotaSource interface {
-	QueryUsage(ctx context.Context, accountID int64) (*CNProviderQuotaProbeResult, error)
+	QueryUsageForAccount(ctx context.Context, account *Account) (*CNProviderQuotaProbeResult, error)
 }
 
 // monitorCNBalanceSource 国产 payg 余额探测（CNProviderBalanceService 天然满足）。
 type monitorCNBalanceSource interface {
-	QueryBalance(ctx context.Context, accountID int64) (*CNProviderBalanceResult, error)
+	QueryBalanceForAccount(ctx context.Context, account *Account) (*CNProviderBalanceResult, error)
 }
 
 // monitorAccountSource 账号加载（AccountRepository 天然满足）。
@@ -191,23 +194,26 @@ func (f *ChannelMonitorQuotaFetcher) fetchUncached(ctx context.Context, accountI
 		return quotaErrorSnapshot("usage", "linked account not found", now)
 	}
 
+	// 账号只在路由前加载这一次；已加载的 account 直接传给数据源
+	// （GetUsageForAccount / QueryUsageForAccount / QueryBalanceForAccount），
+	// 下游服务不再各自 GetByID（每次含 proxies/groups 联查）。
 	switch account.Platform {
 	case domain.PlatformKimi, domain.PlatformZhipu, domain.PlatformDeepseek:
 		if account.IsCodingPlan() {
-			return f.fetchCNQuota(ctx, accountID, now)
+			return f.fetchCNQuota(ctx, account, now)
 		}
-		return f.fetchCNBalance(ctx, accountID, now)
+		return f.fetchCNBalance(ctx, account, now)
 	default:
-		return f.fetchUsage(ctx, accountID, now)
+		return f.fetchUsage(ctx, account, now)
 	}
 }
 
-// fetchUsage 海外平台：AccountUsageService.GetUsage → 快照。
-func (f *ChannelMonitorQuotaFetcher) fetchUsage(ctx context.Context, accountID int64, now time.Time) *domain.MonitorQuotaSnapshot {
+// fetchUsage 海外平台：AccountUsageService.GetUsageForAccount → 快照。
+func (f *ChannelMonitorQuotaFetcher) fetchUsage(ctx context.Context, account *Account, now time.Time) *domain.MonitorQuotaSnapshot {
 	if f.usage == nil {
 		return quotaErrorSnapshot("usage", "usage service is not configured", now)
 	}
-	usage, err := f.usage.GetUsage(ctx, accountID)
+	usage, err := f.usage.GetUsageForAccount(ctx, account)
 	if err != nil {
 		msg := truncateMessage(sanitizeErrorMessage(err.Error()))
 		return &domain.MonitorQuotaSnapshot{
@@ -336,12 +342,12 @@ func sortedQuotaModelNames(quotas map[string]*AntigravityModelQuota) []string {
 	return names
 }
 
-// fetchCNQuota 国产 coding plan：CNProviderQuotaService.QueryUsage → 快照。
-func (f *ChannelMonitorQuotaFetcher) fetchCNQuota(ctx context.Context, accountID int64, now time.Time) *domain.MonitorQuotaSnapshot {
+// fetchCNQuota 国产 coding plan：CNProviderQuotaService.QueryUsageForAccount → 快照。
+func (f *ChannelMonitorQuotaFetcher) fetchCNQuota(ctx context.Context, account *Account, now time.Time) *domain.MonitorQuotaSnapshot {
 	if f.cnQuota == nil {
 		return quotaErrorSnapshot("cn_quota", "cn quota service is not configured", now)
 	}
-	result, err := f.cnQuota.QueryUsage(ctx, accountID)
+	result, err := f.cnQuota.QueryUsageForAccount(ctx, account)
 	if err != nil {
 		msg := truncateMessage(sanitizeErrorMessage(err.Error()))
 		return &domain.MonitorQuotaSnapshot{
@@ -381,12 +387,12 @@ func (f *ChannelMonitorQuotaFetcher) fetchCNQuota(ctx context.Context, accountID
 	return snapshot
 }
 
-// fetchCNBalance 国产 payg：CNProviderBalanceService.QueryBalance → 快照。
-func (f *ChannelMonitorQuotaFetcher) fetchCNBalance(ctx context.Context, accountID int64, now time.Time) *domain.MonitorQuotaSnapshot {
+// fetchCNBalance 国产 payg：CNProviderBalanceService.QueryBalanceForAccount → 快照。
+func (f *ChannelMonitorQuotaFetcher) fetchCNBalance(ctx context.Context, account *Account, now time.Time) *domain.MonitorQuotaSnapshot {
 	if f.cnBalance == nil {
 		return quotaErrorSnapshot("cn_balance", "cn balance service is not configured", now)
 	}
-	result, err := f.cnBalance.QueryBalance(ctx, accountID)
+	result, err := f.cnBalance.QueryBalanceForAccount(ctx, account)
 	if err != nil {
 		msg := truncateMessage(sanitizeErrorMessage(err.Error()))
 		return &domain.MonitorQuotaSnapshot{
diff --git a/backend/internal/service/channel_monitor_quota_fetcher_test.go b/backend/internal/service/channel_monitor_quota_fetcher_test.go
index d4f4d38a4f..6c5b06559b 100644
--- a/backend/internal/service/channel_monitor_quota_fetcher_test.go
+++ b/backend/internal/service/channel_monitor_quota_fetcher_test.go
@@ -20,18 +20,20 @@ import (
 type stubMonitorUsageSource struct {
 	usage *UsageInfo
 	err   error
-	// block 非 nil 时 GetUsage 阻塞在该 channel 上，用于并发/singleflight 测试。
+	// block 非 nil 时 GetUsageForAccount 阻塞在该 channel 上，用于并发/singleflight 测试。
 	block chan struct{}
 
-	mu      sync.Mutex
-	calls   int
-	lastCtx context.Context
+	mu          sync.Mutex
+	calls       int
+	lastCtx     context.Context
+	lastAccount *Account
 }
 
-func (s *stubMonitorUsageSource) GetUsage(ctx context.Context, accountID int64, force ...bool) (*UsageInfo, error) {
+func (s *stubMonitorUsageSource) GetUsageForAccount(ctx context.Context, account *Account, force ...bool) (*UsageInfo, error) {
 	s.mu.Lock()
 	s.calls++
 	s.lastCtx = ctx
+	s.lastAccount = account
 	s.mu.Unlock()
 	if s.block != nil {
 		<-s.block
@@ -45,25 +47,35 @@ func (s *stubMonitorUsageSource) getCalls() int {
 	return s.calls
 }
 
-type stubMonitorCNQuotaSource struct {
-	result *CNProviderQuotaProbeResult
-	err    error
-	calls  int
+func (s *stubMonitorUsageSource) getLastAccount() *Account {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	return s.lastAccount
 }
 
-func (s *stubMonitorCNQuotaSource) QueryUsage(ctx context.Context, accountID int64) (*CNProviderQuotaProbeResult, error) {
+type stubMonitorCNQuotaSource struct {
+	result      *CNProviderQuotaProbeResult
+	err         error
+	calls       int
+	lastAccount *Account
+}
+
+func (s *stubMonitorCNQuotaSource) QueryUsageForAccount(ctx context.Context, account *Account) (*CNProviderQuotaProbeResult, error) {
 	s.calls++
+	s.lastAccount = account
 	return s.result, s.err
 }
 
 type stubMonitorCNBalanceSource struct {
-	result *CNProviderBalanceResult
-	err    error
-	calls  int
+	result      *CNProviderBalanceResult
+	err         error
+	calls       int
+	lastAccount *Account
 }
 
-func (s *stubMonitorCNBalanceSource) QueryBalance(ctx context.Context, accountID int64) (*CNProviderBalanceResult, error) {
+func (s *stubMonitorCNBalanceSource) QueryBalanceForAccount(ctx context.Context, account *Account) (*CNProviderBalanceResult, error) {
 	s.calls++
+	s.lastAccount = account
 	return s.result, s.err
 }
 
@@ -192,6 +204,49 @@ func TestQuotaFetcher_PayGAccountUsesCNBalance(t *testing.T) {
 	require.Empty(t, snapshot.Error)
 }
 
+// P2-6：fetchUncached 只 GetByID 一次，已加载的 account 指针直传数据源，
+// 三条路由都不能让下游重载账号。
+func TestQuotaFetcher_LoadsAccountOnceAndPassesItThrough(t *testing.T) {
+	t.Run("overseas usage", func(t *testing.T) {
+		fetcher, usage, _, _, accounts := newQuotaFetcherTestSetup(t)
+		acc := &Account{ID: 21, Platform: domain.PlatformAnthropic}
+		accounts.accounts[21] = acc
+		usage.usage = &UsageInfo{}
+
+		fetcher.Fetch(context.Background(), 21)
+
+		require.Equal(t, 1, accounts.calls)
+		require.Same(t, acc, usage.getLastAccount())
+		require.Equal(t, 1, usage.getCalls())
+	})
+
+	t.Run("cn coding plan", func(t *testing.T) {
+		fetcher, _, cnQuota, _, accounts := newQuotaFetcherTestSetup(t)
+		acc := &Account{ID: 22, Platform: domain.PlatformKimi, Credentials: map[string]any{"account_mode": AccountModeCoding}}
+		accounts.accounts[22] = acc
+		cnQuota.result = &CNProviderQuotaProbeResult{Success: true}
+
+		fetcher.Fetch(context.Background(), 22)
+
+		require.Equal(t, 1, accounts.calls)
+		require.Same(t, acc, cnQuota.lastAccount)
+		require.Equal(t, 1, cnQuota.calls)
+	})
+
+	t.Run("cn payg", func(t *testing.T) {
+		fetcher, _, _, cnBalance, accounts := newQuotaFetcherTestSetup(t)
+		acc := &Account{ID: 23, Platform: domain.PlatformDeepseek, Credentials: map[string]any{"account_mode": AccountModePayG}}
+		accounts.accounts[23] = acc
+		cnBalance.result = &CNProviderBalanceResult{Success: true, Available: true, Balance: 1, Currency: "CNY"}
+
+		fetcher.Fetch(context.Background(), 23)
+
+		require.Equal(t, 1, accounts.calls)
+		require.Same(t, acc, cnBalance.lastAccount)
+		require.Equal(t, 1, cnBalance.calls)
+	})
+}
+
 // --- 失败路径（Fetch 永不返回 error） ---
 
 func TestQuotaFetcher_AccountMissingYieldsLinkedAccountSnapshot(t *testing.T) {
diff --git a/backend/internal/service/cn_provider_balance_service.go b/backend/internal/service/cn_provider_balance_service.go
index d01c9b6d08..06bab8ae0d 100644
--- a/backend/internal/service/cn_provider_balance_service.go
+++ b/backend/internal/service/cn_provider_balance_service.go
@@ -84,14 +84,27 @@ func NewCNProviderBalanceService(
 
 // QueryBalance 探测指定 payg 账号的余额并落 Extra 快照。
 func (s *CNProviderBalanceService) QueryBalance(ctx context.Context, accountID int64) (*CNProviderBalanceResult, error) {
+	account, err := s.loadPayGAccount(ctx, accountID)
+	if err != nil {
+		return nil, err
+	}
+	return s.QueryBalanceForAccount(ctx, account)
+}
+
+// QueryBalanceForAccount 探测已加载账号（配额监控 fetcher / 周期余额检测复用，
+// 避免二次 GetByID）。singleflight key 与 QueryBalance 相同，按账号 ID 合并。
+func (s *CNProviderBalanceService) QueryBalanceForAccount(ctx context.Context, account *Account) (*CNProviderBalanceResult, error) {
 	if s == nil || s.accountRepo == nil || s.httpUpstream == nil {
 		return nil, infraerrors.New(http.StatusInternalServerError, "CN_BALANCE_NOT_CONFIGURED", "cn provider balance service is not configured")
 	}
-	key := "cn_balance:" + strconv.FormatInt(accountID, 10)
+	if err := validatePayGAccount(account); err != nil {
+		return nil, err
+	}
+	key := "cn_balance:" + strconv.FormatInt(account.ID, 10)
 	resultCh := s.flight.DoChan(key, func() (any, error) {
 		probeCtx, cancel := context.WithTimeout(context.Background(), cnBalanceUpstreamTimeout+5*time.Second)
 		defer cancel()
-		return s.queryBalance(probeCtx, accountID)
+		return s.queryBalanceForAccount(probeCtx, account)
 	})
 	select {
 	case <-ctx.Done():
@@ -109,11 +122,7 @@ func (s *CNProviderBalanceService) QueryBalance(ctx context.Context, accountID i
 	}
 }
 
-func (s *CNProviderBalanceService) queryBalance(ctx context.Context, accountID int64) (*CNProviderBalanceResult, error) {
-	account, err := s.loadPayGAccount(ctx, accountID)
-	if err != nil {
-		return nil, err
-	}
+func (s *CNProviderBalanceService) queryBalanceForAccount(ctx context.Context, account *Account) (*CNProviderBalanceResult, error) {
 	provider := account.Platform
 	if provider != PlatformKimi && provider != PlatformDeepseek {
 		return nil, infraerrors.New(http.StatusBadRequest, "CN_BALANCE_NO_ENDPOINT", "account provider has no balance endpoint")
@@ -230,17 +239,26 @@ func (s *CNProviderBalanceService) loadPayGAccount(ctx context.Context, accountI
 	if err != nil {
 		return nil, infraerrors.Newf(http.StatusNotFound, "CN_BALANCE_ACCOUNT_NOT_FOUND", "account not found: %v", err)
 	}
+	if err := validatePayGAccount(account); err != nil {
+		return nil, err
+	}
+	return account, nil
+}
+
+// validatePayGAccount 加载后的非 DB 校验（ForAccount 入口同样复用，
+// 保证直传 account 也不绕过平台/模式检查）。
+func validatePayGAccount(account *Account) error {
 	if account == nil {
-		return nil, infraerrors.New(http.StatusNotFound, "CN_BALANCE_ACCOUNT_NOT_FOUND", "account not found")
+		return infraerrors.New(http.StatusNotFound, "CN_BALANCE_ACCOUNT_NOT_FOUND", "account not found")
 	}
 	if !account.IsCNProvider() {
-		return nil, infraerrors.New(http.StatusBadRequest, "CN_BALANCE_INVALID_PLATFORM", "account is not a CN provider account")
+		return infraerrors.New(http.StatusBadRequest, "CN_BALANCE_INVALID_PLATFORM", "account is not a CN provider account")
 	}
 	// coding 账号走额度探测，余额端点不适用。
 	if account.IsCodingPlan() {
-		return nil, infraerrors.New(http.StatusBadRequest, "CN_BALANCE_CODING_PLAN", "coding plan account has no balance endpoint; use quota probe")
+		return infraerrors.New(http.StatusBadRequest, "CN_BALANCE_CODING_PLAN", "coding plan account has no balance endpoint; use quota probe")
 	}
-	return account, nil
+	return nil
 }
 
 func (s *CNProviderBalanceService) resolveProxyURL(ctx context.Context, account *Account) string {
diff --git a/backend/internal/service/cn_provider_foraccount_test.go b/backend/internal/service/cn_provider_foraccount_test.go
new file mode 100644
index 0000000000..664da505fb
--- /dev/null
+++ b/backend/internal/service/cn_provider_foraccount_test.go
@@ -0,0 +1,125 @@
+package service
+
+// ForAccount 直传入口（P2-6）的校验回归测试：
+// QueryUsageForAccount / QueryBalanceForAccount 接受已加载的 *Account，
+// 但必须复用与 ID 入口相同的加载后校验——直传不能绕过平台/模式检查，
+// 且校验在 singleflight 之前完成（无效账号不得发起任何上游请求）。
+
+import (
+	"context"
+	"testing"
+
+	infraerrors "github.com/Wei-Shaw/sub2api/internal/pkg/errors"
+	"github.com/stretchr/testify/require"
+)
+
+func codingAccount(platform string) *Account {
+	return &Account{
+		ID: 1, Platform: platform, Type: AccountTypeAPIKey, Status: StatusActive,
+		Credentials: map[string]any{"account_mode": AccountModeCoding, "api_key": "sk-test"},
+	}
+}
+
+func paygAccount(platform string) *Account {
+	return &Account{
+		ID: 2, Platform: platform, Type: AccountTypeAPIKey, Status: StatusActive,
+		Credentials: map[string]any{"account_mode": AccountModePayG, "api_key": "sk-test"},
+	}
+}
+
+func requireReason(t *testing.T, err error, reason string) {
+	t.Helper()
+	require.Error(t, err)
+	var appErr *infraerrors.ApplicationError
+	require.ErrorAs(t, err, &appErr)
+	require.Equal(t, reason, appErr.Reason)
+}
+
+func TestValidateCodingPlanAccount_Matrix(t *testing.T) {
+	cases := []struct {
+		name       string
+		account    *Account
+		wantReason string
+	}{
+		{name: "nil", account: nil, wantReason: "CN_QUOTA_ACCOUNT_NOT_FOUND"},
+		{name: "non cn provider", account: &Account{ID: 3, Platform: PlatformAnthropic}, wantReason: "CN_QUOTA_INVALID_PLATFORM"},
+		{name: "payg has no quota endpoint", account: paygAccount(PlatformKimi), wantReason: "CN_QUOTA_NOT_CODING_PLAN"},
+		{name: "kimi coding ok", account: codingAccount(PlatformKimi)},
+		{name: "zhipu coding ok", account: codingAccount(PlatformZhipu)},
+	}
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			err := validateCodingPlanAccount(tc.account)
+			if tc.wantReason == "" {
+				require.NoError(t, err)
+				return
+			}
+			requireReason(t, err, tc.wantReason)
+		})
+	}
+}
+
+func TestValidatePayGAccount_Matrix(t *testing.T) {
+	cases := []struct {
+		name       string
+		account    *Account
+		wantReason string
+	}{
+		{name: "nil", account: nil, wantReason: "CN_BALANCE_ACCOUNT_NOT_FOUND"},
+		{name: "non cn provider", account: &Account{ID: 3, Platform: PlatformAnthropic}, wantReason: "CN_BALANCE_INVALID_PLATFORM"},
+		{name: "coding has no balance endpoint", account: codingAccount(PlatformKimi), wantReason: "CN_BALANCE_CODING_PLAN"},
+		{name: "kimi payg ok", account: paygAccount(PlatformKimi)},
+		{name: "deepseek payg ok", account: paygAccount(PlatformDeepseek)},
+	}
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			err := validatePayGAccount(tc.account)
+			if tc.wantReason == "" {
+				require.NoError(t, err)
+				return
+			}
+			requireReason(t, err, tc.wantReason)
+		})
+	}
+}
+
+// 直传入口的校验在 singleflight/上游请求之前：无效账号必须零出站请求。
+func TestCNProviderQuotaService_QueryUsageForAccount_RejectsInvalidAccount(t *testing.T) {
+	repo := &fakeCNProbeAccountRepo{}
+	upstream := &recordingHTTPUpstream{}
+	svc := NewCNProviderQuotaService(repo, nil, upstream, nil)
+
+	_, err := svc.QueryUsageForAccount(context.Background(), paygAccount(PlatformKimi))
+	requireReason(t, err, "CN_QUOTA_NOT_CODING_PLAN")
+	require.Zero(t, upstream.calls)
+
+	_, err = svc.QueryUsageForAccount(context.Background(), nil)
+	requireReason(t, err, "CN_QUOTA_ACCOUNT_NOT_FOUND")
+	require.Zero(t, upstream.calls)
+}
+
+func TestCNProviderBalanceService_QueryBalanceForAccount_RejectsInvalidAccount(t *testing.T) {
+	repo := &fakeCNProbeAccountRepo{}
+	upstream := &recordingHTTPUpstream{}
+	svc := NewCNProviderBalanceService(repo, nil, upstream, nil)
+
+	_, err := svc.QueryBalanceForAccount(context.Background(), codingAccount(PlatformKimi))
+	requireReason(t, err, "CN_BALANCE_CODING_PLAN")
+	require.Zero(t, upstream.calls)
+
+	_, err = svc.QueryBalanceForAccount(context.Background(), &Account{ID: 9, Platform: PlatformAnthropic})
+	requireReason(t, err, "CN_BALANCE_INVALID_PLATFORM")
+	require.Zero(t, upstream.calls)
+}
+
+// ID 入口与 ForAccount 入口对同一账号的行为一致（loadCodingPlanAccount 的
+// 加载后校验 = validateCodingPlanAccount；余额侧对称）。
+func TestCNProviderServices_IDEntryAppliesSameValidation(t *testing.T) {
+	repo := &fakeCNProbeAccountRepo{account: paygAccount(PlatformKimi)}
+	upstream := &recordingHTTPUpstream{}
+	svc := NewCNProviderQuotaService(repo, nil, upstream, nil)
+
+	_, err := svc.QueryUsage(context.Background(), 2)
+	requireReason(t, err, "CN_QUOTA_NOT_CODING_PLAN")
+	require.Zero(t, upstream.calls)
+}
diff --git a/backend/internal/service/cn_provider_quota_service.go b/backend/internal/service/cn_provider_quota_service.go
index f4cda8d6d1..271b18afe1 100644
--- a/backend/internal/service/cn_provider_quota_service.go
+++ b/backend/internal/service/cn_provider_quota_service.go
@@ -89,14 +89,27 @@ func NewCNProviderQuotaService(
 // QueryUsage 探测指定账号的 Coding Plan 滚动窗口用量并落 Extra 快照。
 // 同一账号的并发探测会被 singleflight 合并。
 func (s *CNProviderQuotaService) QueryUsage(ctx context.Context, accountID int64) (*CNProviderQuotaProbeResult, error) {
+	account, err := s.loadCodingPlanAccount(ctx, accountID)
+	if err != nil {
+		return nil, err
+	}
+	return s.QueryUsageForAccount(ctx, account)
+}
+
+// QueryUsageForAccount 探测已加载账号（配额监控 fetcher 复用，避免二次 GetByID）。
+// singleflight key 与 QueryUsage 相同，按账号 ID 与 admin 侧并发探测合并。
+func (s *CNProviderQuotaService) QueryUsageForAccount(ctx context.Context, account *Account) (*CNProviderQuotaProbeResult, error) {
 	if s == nil || s.accountRepo == nil || s.httpUpstream == nil {
 		return nil, infraerrors.New(http.StatusInternalServerError, "CN_QUOTA_NOT_CONFIGURED", "cn provider quota service is not configured")
 	}
-	key := "cn_quota:" + strconv.FormatInt(accountID, 10)
+	if err := validateCodingPlanAccount(account); err != nil {
+		return nil, err
+	}
+	key := "cn_quota:" + strconv.FormatInt(account.ID, 10)
 	resultCh := s.flight.DoChan(key, func() (any, error) {
 		probeCtx, cancel := context.WithTimeout(context.Background(), cnQuotaUpstreamTimeout+5*time.Second)
 		defer cancel()
-		return s.queryUsage(probeCtx, accountID)
+		return s.queryUsageForAccount(probeCtx, account)
 	})
 	select {
 	case <-ctx.Done():
@@ -114,12 +127,7 @@ func (s *CNProviderQuotaService) QueryUsage(ctx context.Context, accountID int64
 	}
 }
 
-func (s *CNProviderQuotaService) queryUsage(ctx context.Context, accountID int64) (*CNProviderQuotaProbeResult, error) {
-	account, err := s.loadCodingPlanAccount(ctx, accountID)
-	if err != nil {
-		return nil, err
-	}
-
+func (s *CNProviderQuotaService) queryUsageForAccount(ctx context.Context, account *Account) (*CNProviderQuotaProbeResult, error) {
 	provider := account.GetCodingPlanProvider()
 	if provider != PlatformKimi && provider != PlatformZhipu {
 		return nil, infraerrors.New(http.StatusBadRequest, "CN_QUOTA_NOT_CODING_PLAN", "account is not a kimi/zhipu coding plan account")
@@ -231,18 +239,27 @@ func (s *CNProviderQuotaService) loadCodingPlanAccount(ctx context.Context, acco
 	if err != nil {
 		return nil, infraerrors.Newf(http.StatusNotFound, "CN_QUOTA_ACCOUNT_NOT_FOUND", "account not found: %v", err)
 	}
-	if account == nil {
-		return nil, infraerrors.New(http.StatusNotFound, "CN_QUOTA_ACCOUNT_NOT_FOUND", "account not found")
-	}
-	if !account.IsCNProvider() {
-		return nil, infraerrors.New(http.StatusBadRequest, "CN_QUOTA_INVALID_PLATFORM", "account is not a CN provider account")
-	}
-	if !account.IsCodingPlan() {
-		return nil, infraerrors.New(http.StatusBadRequest, "CN_QUOTA_NOT_CODING_PLAN", "account is not a coding plan account")
+	if err := validateCodingPlanAccount(account); err != nil {
+		return nil, err
 	}
 	return account, nil
 }
 
+// validateCodingPlanAccount 加载后的非 DB 校验（ForAccount 入口同样复用，
+// 保证直传 account 也不绕过平台/模式检查）。
+func validateCodingPlanAccount(account *Account) error {
+	if account == nil {
+		return infraerrors.New(http.StatusNotFound, "CN_QUOTA_ACCOUNT_NOT_FOUND", "account not found")
+	}
+	if !account.IsCNProvider() {
+		return infraerrors.New(http.StatusBadRequest, "CN_QUOTA_INVALID_PLATFORM", "account is not a CN provider account")
+	}
+	if !account.IsCodingPlan() {
+		return infraerrors.New(http.StatusBadRequest, "CN_QUOTA_NOT_CODING_PLAN", "account is not a coding plan account")
+	}
+	return nil
+}
+
 func (s *CNProviderQuotaService) resolveProxyURL(ctx context.Context, account *Account) string {
 	if account == nil || account.ProxyID == nil {
 		return ""