diff --git a/jituan/services/club_user.py b/jituan/services/club_user.py
index fb0f210..9c2ffcd 100644
--- a/jituan/services/club_user.py
+++ b/jituan/services/club_user.py
@@ -151,10 +151,17 @@ def ensure_user_club_id(user, club_id):
         user.save(update_fields=['ClubID'])
 
 
+def _looks_like_wx_openid(value):
+    """微信 openid 常见形态：以 o 开头、长度约 28。"""
+    v = (value or '').strip()
+    return len(v) >= 20 and v.startswith('o')
+
+
 def get_wx_openid_for_user(user, club_id=None):
     """
     按俱乐部取微信支付 JSAPI 用 openid。
-    多俱乐部用户 openid 在 user_wx_openid；xq 老用户可回落 User.OpenID。
+    多俱乐部用户 openid 在 user_wx_openid；xq 老用户可回落 User.OpenID；
+    星之界等俱乐部用户常 UserName=openid 且 OpenID 为空，再回落 UserName。
     """
     if not user:
         return ''
@@ -165,7 +172,12 @@ def get_wx_openid_for_user(user, club_id=None):
         if binding and binding.openid:
             return binding.openid
     legacy = getattr(user, 'OpenID', None) or getattr(user, 'openid', None)
-    return legacy or ''
+    if legacy:
+        return legacy.strip()
+    username = (getattr(user, 'UserName', None) or '').strip()
+    if _looks_like_wx_openid(username):
+        return username
+    return ''
 
 
 def get_payment_openid(request, user=None, club_id=None):
diff --git a/users/tixian_shenhe_services.py b/users/tixian_shenhe_services.py
index acb7e74..753493e 100644
--- a/users/tixian_shenhe_services.py
+++ b/users/tixian_shenhe_services.py
@@ -253,13 +253,19 @@ def validate_payment_info_for_withdraw(user_main):
     return True, ''
 
 
+def get_auto_withdraw_openid(user_main):
+    """自动提现打款用 openid：兼容 user_wx_openid / User.OpenID / UserName(openid)。"""
+    from jituan.services.club_user import get_wx_openid_for_user
+    club_id = club_id_for_tixian_yonghuid(user_main.UserUID)
+    return (get_wx_openid_for_user(user_main, club_id) or '').strip()
+
+
 def validate_auto_withdraw_prerequisites(user_main):
     """
     自动提现（zddksh / tixiansq）：微信企业付款到用户 OpenID。
-    不要求手机号、收款码、收款账号；须已绑定微信 OpenID。
+    不要求手机号、收款码、收款账号；须能解析到微信 OpenID。
     """
-    openid = (getattr(user_main, 'OpenID', None) or '').strip()
-    if not openid:
+    if not get_auto_withdraw_openid(user_main):
         return False, '请先使用微信登录后再申请自动提现'
     return True, ''
 
diff --git a/users/tixian_shenhe_views.py b/users/tixian_shenhe_views.py
index b6d9602..0bf8abb 100644
--- a/users/tixian_shenhe_views.py
+++ b/users/tixian_shenhe_views.py
@@ -201,13 +201,14 @@ def process_audit_collect(request):
     )
 
     try:
-        if not user_main.OpenID:
-            return Response({'code': 10, 'msg': '用户未绑定微信，无法收款'})
-
+        from users.tixian_shenhe_services import get_auto_withdraw_openid
         from jituan.services.club_user import get_user_club_id
         from jituan.services.wechat_pay import get_wechat_v3_config
 
         payout_club_id = get_user_club_id(user_main)
+        payout_openid = get_auto_withdraw_openid(user_main)
+        if not payout_openid:
+            return Response({'code': 10, 'msg': '用户未绑定微信，无法收款'})
         wx_cfg = get_wechat_v3_config(payout_club_id)
         if not wx_cfg.get('APPID') or not wx_cfg.get('MCHID') or not wx_cfg.get('TRANSFER_SCENE_ID'):
             logger.error('微信打款配置不完整 club=%s APPID=%s MCHID=%s', payout_club_id, wx_cfg.get('APPID'), wx_cfg.get('MCHID'))
@@ -317,7 +318,7 @@ def process_audit_collect(request):
                 audit.save(update_fields=['tixian_auto_id', 'UpdateTime'])
 
             body = _build_wx_transfer_body(
-                wx_cfg, tixian_id, user_main.OpenID, yonghuid, leixing, shijidaozhang,
+                wx_cfg, tixian_id, payout_openid, yonghuid, leixing, shijidaozhang,
             )
 
             try: