diff --git a/app/api/routers/auth.py b/app/api/routers/auth.py
index 0f3d788..5709a88 100644
--- a/app/api/routers/auth.py
+++ b/app/api/routers/auth.py
@@ -464,6 +464,22 @@ async def _login_response(
     )
 
 
+async def _login_response_for_user(db: Database, user: dict) -> LoginResponse:
+    """统一登录响应：令牌角色由**账号真实身份**决定，而非强制 opc_member。
+
+    保证同一账号无论用 手机号/微信/小程序 哪个方式登录，拿到的角色与权限都一致
+    （= 用账号密码登录的结果）。规则：
+    - 先 `_ensure_opc_identity` 确保 C 端也有 opc_member 身份（报名/政策等可用）；
+    - 用 `list_for_user` 的真实身份集合决定令牌角色：
+        多身份（如 operator+opc_member）→ 中性令牌，role 取 users.role（=operator）；
+        仅 opc_member → opc 令牌。
+    """
+    await _ensure_opc_identity(db, user["id"])
+    identities = await db.identities.list_for_user(user["id"], active_only=True)
+    token_identity = identities[0] if len(identities) == 1 else None
+    return await _login_response(db, user, token_identity, identities)
+
+
 @router.post("/send-code", response_model=SendCodeResponse, summary="发送短信验证码")
 async def send_code(req: SendCodeRequest, db: Database = Depends(get_db)):
     """为手机号发送登录验证码。stub provider 仅在服务日志打印。"""
@@ -503,12 +519,12 @@ async def phone_login(req: PhoneLoginRequest, request: Request, db: Database = D
     if user.get("status") != "active":
         raise HTTPException(status_code=403, detail="账号已禁用")
 
-    identity = await _ensure_opc_identity(db, user["id"])
+    await _ensure_opc_identity(db, user["id"])
     await db.audit.add(
         action="login", resource="auth", resource_id=user["id"],
         detail=f"phone-login {req.phone}", user_id=user["id"],
     )
-    return await _login_response(db, user, identity)
+    return await _login_response_for_user(db, user)
 
 
 @router.post("/wx-login", response_model=LoginResponse, summary="微信扫码登录(预留)")
@@ -543,12 +559,12 @@ async def wx_login(req: WxLoginRequest, request: Request, db: Database = Depends
     if user.get("status") != "active":
         raise HTTPException(status_code=403, detail="账号已禁用")
 
-    identity = await _ensure_opc_identity(db, user["id"])
+    await _ensure_opc_identity(db, user["id"])
     await db.audit.add(
         action="login", resource="auth", resource_id=user["id"],
         detail=f"wx-login {openid[:16]}", user_id=user["id"],
     )
-    return await _login_response(db, user, identity)
+    return await _login_response_for_user(db, user)
 
 
 @router.post("/wx-phone", summary="微信补绑手机号")
@@ -569,7 +585,7 @@ async def wx_phone(req: WxPhoneRequest, db: Database = Depends(get_db)):
         action="bind-phone", resource="auth", resource_id=user["id"],
         detail=f"wx bind phone {req.phone}", user_id=user["id"],
     )
-    return await _login_response(db, user, await _ensure_opc_identity(db, user["id"]))
+    return await _login_response_for_user(db, user)
 
 
 # ===========================================================================
@@ -616,13 +632,13 @@ async def bind_phone(
     except sms.SmsError as exc:
         raise HTTPException(status_code=401, detail=str(exc))
     merged = await _bind_phone_merge(db, user, req.phone)
-    identity = await _ensure_opc_identity(db, merged["id"])
+    await _ensure_opc_identity(db, merged["id"])
     await db.audit.add(
         action="bind-phone", resource="auth", resource_id=merged["id"],
         detail=f"bind phone {req.phone} (merged)" if merged["id"] != user["id"] else f"bind phone {req.phone}",
         user_id=merged["id"],
     )
-    return await _login_response(db, merged, identity)
+    return await _login_response_for_user(db, merged)
 
 
 @router.post("/unbind", summary="解绑登录方式（保留至少一种）")
@@ -707,8 +723,8 @@ async def wx_callback_get(
     except wechat.WechatError as exc:
         raise HTTPException(status_code=401, detail=str(exc))
     user = await _find_or_create_wx_user(openid, request, db)
-    identity = await _ensure_opc_identity(db, user["id"])
-    resp = await _login_response(db, user, identity)
+    await _ensure_opc_identity(db, user["id"])
+    resp = await _login_response_for_user(db, user)
     wx_qr_store.complete(state or openid, resp.token, resp.model_dump())
     return _wx_success_html()
 
@@ -728,8 +744,7 @@ async def wx_callback_post(
     except wechat.WechatError as exc:
         raise HTTPException(status_code=401, detail=str(exc))
     user = await _find_or_create_wx_user(openid, request, db)
-    identity = await _ensure_opc_identity(db, user["id"])
-    return await _login_response(db, user, identity)
+    return await _login_response_for_user(db, user)
 
 
 @router.get("/wx-qr/poll", summary="轮询扫码登录状态")
@@ -847,8 +862,8 @@ async def mp_qr_confirm(request: Request, req: MpQrConfirmRequest, db: Database
         )
     if user.get("status") != "active":
         raise HTTPException(status_code=403, detail="账号已禁用")
-    identity = await _ensure_opc_identity(db, user["id"])
-    resp = await _login_response(db, user, identity)
+    await _ensure_opc_identity(db, user["id"])
+    resp = await _login_response_for_user(db, user)
     wx_qr_store.complete(req.scene, resp.token, resp.model_dump())
     return {"ok": True, "username": user["username"]}