diff --git a/docs/plugins.md b/docs/plugins.md
index e85aa81..5f49884 100644
--- a/docs/plugins.md
+++ b/docs/plugins.md
@@ -503,6 +503,27 @@ end
 
 `plugins/billing.lua`，默认随首启 seed 进来，开箱可用。
 
+### 7.0 分层：计费语义在插件里，内核只给数据
+
+`config.yaml` 的 `billing:` 是**声明**，真正的语义（规则怎么变成价目表、
+覆盖顺序、未定价判定、峰谷/长上下文）全部在 `plugins/billing.lua`：
+
+| 层 | 职责 |
+|---|---|
+| 内核 | 解 YAML、校验 DSL schema（`BillingProfile`/`BillingRule`）；把 **profile + 每个源的 `base_url`** 作为数据交给插件；把插件算出的价目注入 `prices` 侧车；把计费记录持久化到插件状态文件 |
+| 插件 | `compile_prices(profile, sources)`：URL 归一匹配、首条命中优先、`free`/`subscription`/`unpriced`/`token` 语义、USD/M → per-token、`peak` 窗口、`long_context` 边际价、`reasoning` 可选价、未匹配规则/源清单；`priceFor`/`costFor` 与账目累计 |
+
+两条理由（GitCode issue #1）：
+
+1. 语义只写一处。曾经的 `compile.go`（Go）与 `priceFor`（Lua）各有一套覆盖
+   语义，组合起来把模型价静默清零 —— 账单加总正常、只是少报。
+2. 插件沙箱**没有文件系统**，所以“插件直接读 config.yaml”在设计上不可行；
+   内核把解码后的 profile 作为钩子/接口传入，就是这里的分层形态。
+
+**计费记录持久化**：插件状态（含累计账目）写在 `plugin_dir/.billing.state.json`
+（同目录下 `.<插件名>.state.json`），随每次账目变更异步落盘，重启后恢复；
+`prices` 与 `state` 分开存，改价不会抹掉历史账目。
+
 ### 7.1 计费维度
 
 | 维度 | 用途 | token 价覆盖顺序 |
@@ -516,10 +537,11 @@ end
 （实现顺序就是"后写覆盖前写"：`default` → `models` → `sources` → `keys`；
 所以**源级 token 价会覆盖模型价**。这是有意的：运营要能给某个源整体改价。）
 
-⚠️ 正因为 `sources` 会覆盖 `models`，**"标记某源已定价"的条目只能用
-`{ "per_request": 0 }`**，不能写 `{ "prompt": 0, "completion": 0 }` ——
-后者会把该源所有模型的 token 价清成 0。编译器为 `mode: token` 的具体 URL
-规则生成的就是前者（GitCode issue #1）。
+⚠️ 正因为 `sources` 会覆盖 `models`：**`mode: token` 的规则不产生任何源条目**。
+规则未列出的模型会进入未定价统计（可见），而不是静默计 0 —— 这是 issue #1 / PR #2
+的收口语义。只有 `free` / `subscription`（"边际成本为零"）会写有意为之的
+`{prompt:0, completion:0}` 零价条目；`default: free` 给未匹配源写的是
+`{per_request:0}`（只标记、不碰 token 价）。
 
 **`per_request` 固定价是叠加的**（不覆盖），所以一个生图模型可以既算 token 又收固定费。
 **`cache_discount`** 见 §7.7。
@@ -608,15 +630,14 @@ curl -H "Authorization: Bearer $ADMIN_KEY" \
 
 仪表盘上有 "Unpriced" 卡片。**这个数应该是 0**；不是 0 就去补价目。
 
-**profile 级兜底**：`profiles[].default` 可设为 `free` 或 `unpriced`（默认）：
+**profile 级兜底**：`profiles[].default` 可设为 `free` 或 `unpriced`（默认）。
+它是**编译期**策略（以前被校验后写进无人读取的 `default_mode` 键，两种取值运行时
+完全等价）：
 
-| `default` | 未匹配任何规则的源 | `unpriced_reqs` |
+| `default` | 编译结果 | `unpriced_reqs` |
 |---|---|---|
-| `unpriced`（省略时） | 记 0 价，计入未定价债务 | +1 |
-| `free` | 记 0 价，但视为**刻意免费** | 不增加 |
-
-另有 `prices.unmatched_sources`：列出没有规则命中的源，网关在应用 profile 时
-会以 `[billing] WARNING` 打到日志里 —— 看到它就去补规则（或确认 `default` 选对了）。
+| `unpriced`（省略时） | 未匹配源不写条目 | +1 |
+| `free` | 未匹配源写 `{per_request:0}` 标记（只标记、不碰 token 价） | 不增加 |
 
 注意"未定价"不等于"免费"：这些请求的 `requests` / token 数**照常计入**
 `total` 与各维度，只有金额是 0。
diff --git a/internal/billing/compile.go b/internal/billing/compile.go
deleted file mode 100644
index 4fdde50..0000000
--- a/internal/billing/compile.go
+++ /dev/null
@@ -1,359 +0,0 @@
-package billing
-
-import (
-	"fmt"
-	"strings"
-
-	"llmsproxy/internal/config"
-)
-
-// Compile turns one billing profile into the prices table the billing plugin
-// expects, resolving URL rules against the gateway's actual sources.
-//
-// WHY URL RULES NEED RESOLVING AT ALL: the operator declares pricing by URL
-// because that is what a provider's price list is keyed on, and because several
-// sources can point at the same URL. The plugin, however, looks up by
-// `payload.source` (a source NAME) and by model — it has no idea what URL a
-// request went to. So the URL match happens here, at compile time, where the
-// config's name->base_url mapping is known, and the result is expressed in the
-// dimensions the plugin already supports.
-//
-// Profiles are the "let the user choose" axis: the same URL can appear in
-// several profiles and switching recomputes this table, so a gateway can be
-// repriced without editing the plugin.
-func Compile(profile *config.BillingProfile, sources []config.Source) (map[string]interface{}, error) {
-	return CompileOpts(profile, sources, false)
-}
-
-// CompileOpts is Compile with an explicit policy for rules that match no
-// source.
-//
-// The default is STRICT and that is correct for startup: a profile with a
-// typo'd URL prices nothing, every request on it is recorded as unpriced, and
-// the bill silently comes out wrong. Failing the load is the right response.
-//
-// The rules editor needs the opposite. An operator editing a half-finished
-// profile — adding a rule before the source that will use it exists, or
-// renaming a URL while typing — must be able to save and then see the warning,
-// not be blocked by an error they can only resolve by guessing. Lenient mode
-// keeps the offending rule in the config and drops it from the compiled table,
-// so it is preserved as text and clearly reported, without pretending it
-// prices anything.
-func CompileOpts(profile *config.BillingProfile, sources []config.Source, lenient bool) (map[string]interface{}, error) {
-	if profile == nil {
-		return nil, fmt.Errorf("no billing profile")
-	}
-	prices := map[string]interface{}{
-		"currency": "USD",
-		"default":  map[string]interface{}{"prompt": 0.0, "completion": 0.0, "per_request": 0.0},
-		"sources":  map[string]interface{}{},
-		"models":   map[string]interface{}{},
-		"keys":     map[string]interface{}{},
-	}
-	if profile.Default != "" {
-		prices["default_mode"] = profile.Default
-	}
-
-	// Currency is a profile-level statement; a rule may override it.
-	for i := range profile.Rules {
-		if c := profile.Rules[i].Currency; c != "" {
-			prices["currency"] = c
-			break
-		}
-	}
-
-	matched := map[string]bool{}
-	for i := range profile.Rules {
-		rule := &profile.Rules[i]
-		targets := matchSources(rule.URL, sources)
-		if len(targets) == 0 && rule.URL != "*" {
-			// A rule for a URL no source uses is almost always a typo (or a
-			// source that was removed). Failing loudly beats a profile that
-			// silently prices nothing — the whole reason this is a config file
-			// instead of a hand-written JSON blob.
-			if lenient {
-				continue // kept in the config text, reported as a warning
-			}
-			return nil, fmt.Errorf("rule url %q matches no configured source base_url", rule.URL)
-		}
-		for _, srcName := range targets {
-			if matched[srcName] {
-				// First rule wins. Two rules matching one source is ambiguous,
-				// and silently letting the later one win makes the file's
-				// meaning depend on ordering the operator cannot see.
-				continue
-			}
-			matched[srcName] = true
-			if err := applyRule(prices, rule, srcName, sources); err != nil {
-				return nil, err
-			}
-		}
-	}
-
-	// Sources no rule matched fall through to the profile default, which the
-	// plugin applies via prices.default. Recording them explicitly means the
-	// UI can say "this source is unpriced" instead of leaving the operator to
-	// infer it from a zero.
-	var unmatched []string
-	for _, src := range sources {
-		if !matched[src.Name] {
-			unmatched = append(unmatched, src.Name)
-		}
-	}
-	if len(unmatched) > 0 {
-		prices["unmatched_sources"] = unmatched
-	}
-	return prices, nil
-}
-
-// UnmatchedRuleURLs lists the non-wildcard rule URLs that match no configured
-// source. Compile() treats such a URL as a hard error (a typo'd rule prices
-// nothing), but the CALLER needs the list to say which rule to fix instead of
-// just "compile failed" — and to explain what the degraded table dropped.
-func UnmatchedRuleURLs(profile *config.BillingProfile, sources []config.Source) []string {
-	if profile == nil {
-		return nil
-	}
-	var out []string
-	for i := range profile.Rules {
-		rule := &profile.Rules[i]
-		if rule.URL == "*" {
-			continue
-		}
-		if len(matchSources(rule.URL, sources)) == 0 {
-			out = append(out, rule.URL)
-		}
-	}
-	return out
-}
-
-// matchSources returns the source names whose base_url matches pattern.
-// "*" matches every source (used as a catch-all default rule).
-func matchSources(pattern string, sources []config.Source) []string {
-	var out []string
-	if pattern == "*" {
-		for _, s := range sources {
-			out = append(out, s.Name)
-		}
-		return out
-	}
-	want := normalizeURL(pattern)
-	for _, s := range sources {
-		if normalizeURL(s.BaseURL) == want {
-			out = append(out, s.Name)
-		}
-	}
-	return out
-}
-
-// normalizeURL compares URLs the way an operator expects: trailing slashes and
-// case in the host are differences the provider's price list does not care
-// about, and requiring an exact byte match would make the config brittle.
-func normalizeURL(u string) string {
-	u = strings.TrimSpace(u)
-	u = strings.TrimRight(u, "/")
-	return strings.ToLower(u)
-}
-
-// applyRule writes one rule's pricing for one source into the prices table.
-func applyRule(prices map[string]interface{}, rule *config.BillingRule, srcName string, sources []config.Source) error {
-	switch rule.Mode {
-	case "free":
-		// Explicitly priced at zero. This is NOT the same as unpriced: a source
-		// the operator says is free must not appear in the unpriced warnings,
-		// or those warnings become noise and stop being read.
-		prices["sources"].(map[string]interface{})[srcName] = map[string]interface{}{
-			"prompt": 0.0, "completion": 0.0, "per_request": 0.0,
-		}
-		return nil
-
-	case "subscription":
-		// A fixed monthly commitment: the per-request MARGINAL cost is zero, and
-		// the flat fee is reported separately. Spreading a monthly fee across
-		// requests would invent a per-request number the provider never charges,
-		// and it would change every time traffic did.
-		prices["sources"].(map[string]interface{})[srcName] = map[string]interface{}{
-			"prompt": 0.0, "completion": 0.0, "per_request": 0.0,
-		}
-		fixed, _ := prices["subscriptions"].(map[string]interface{})
-		if fixed == nil {
-			fixed = map[string]interface{}{}
-			prices["subscriptions"] = fixed
-		}
-		cur := "USD"
-		if rule.Currency != "" {
-			cur = rule.Currency
-		}
-		fixed[srcName] = map[string]interface{}{
-			"monthly": rule.Subscription, "currency": cur,
-		}
-		return nil
-
-	case "unpriced":
-		// Deliberately left out of `sources` so the plugin's unpriced_models /
-		// unpriced_reqs counters catch it. That is the point: a subscription
-		// plan whose credits cannot be converted to tokens must be VISIBLE as
-		// unbilled, not quietly estimated.
-		return nil
-
-	case "token":
-		if len(rule.Models) == 0 {
-			return fmt.Errorf("rule for url %q: mode token requires at least one model", rule.URL)
-		}
-		models := prices["models"].(map[string]interface{})
-		for modelID, t := range rule.Models {
-			entry := map[string]interface{}{}
-			prompt, err := usdPerM(t.Prompt)
-			if err != nil {
-				return fmt.Errorf("model %q prompt: %w", modelID, err)
-			}
-			completion, err := usdPerM(t.Completion)
-			if err != nil {
-				return fmt.Errorf("model %q completion: %w", modelID, err)
-			}
-			entry["prompt"] = prompt
-			entry["completion"] = completion
-			if t.CacheDiscount != nil {
-				entry["cache_discount"] = *t.CacheDiscount
-			}
-			// reasoning is optional and stays ABSENT (not nil, not 0) when the
-			// rule does not set it, which is what makes the billing plugin skip
-			// the repricing branch entirely. Writing an explicit 0 here would
-			// mean "thinking is free" and silently under-bill every request
-			// from a provider that bills it like ordinary output.
-			if strings.TrimSpace(t.Reasoning) != "" {
-				rp, err := usdPerM(t.Reasoning)
-				if err != nil {
-					return fmt.Errorf("model %q reasoning: %w", modelID, err)
-				}
-				entry["reasoning_price"] = rp
-			}
-			if lc := t.LongContext; lc != nil {
-				if lc.Above <= 0 {
-					return fmt.Errorf("model %q long_context: above must be > 0", modelID)
-				}
-				above, err := longContextRate(lc, prompt)
-				if err != nil {
-					return fmt.Errorf("model %q long_context: %w", modelID, err)
-				}
-				entry["long_context"] = map[string]interface{}{
-					"above": lc.Above,
-					// Marginal, not blended. The plugin charges the tokens past the
-					// threshold at this rate and the rest at the base rate, so the
-					// threshold composes with a cache discount (which applies to the
-					// cached portion) instead of forcing the plugin to guess how
-					// the two interact.
-					"prompt": above,
-				}
-			}
-			if rule.Peak != nil {
-				entry["peak"] = compilePeak(rule.Peak)
-			}
-			models[modelID] = entry
-		}
-		// A specific-URL token rule needs a source entry so a model served
-		// from THIS url but absent from `rule.Models` is still recognised as
-		// belonging to a priced provider.
-		//
-		// A WILDCARD rule ("*") must NOT get one. "*" is a model catalogue — it
-		// says "these model ids have these prices, wherever they come from" —
-		// and marking every source priced at {0,0} would make priceFor() set
-		// priced=true for every model the catalogue does NOT list. Paid
-		// sources (commandcode, alittokenplan, …) would then record $0 instead
-		// of showing up in unpriced_reqs, which is precisely the silent
-		// zero-billing failure this whole plugin is built to make visible.
-		// The model lookup p.models[payload.model] already marks a listed
-		// model priced on its own, so the wildcard loses nothing.
-		if rule.URL != "*" {
-			if _, ok := prices["sources"].(map[string]interface{})[srcName]; !ok {
-				// ONLY the marker — deliberately no "prompt"/"completion".
-				//
-				// priceFor() applies the source dimension AFTER the model
-				// dimension, and treats a present source key as an override
-				// (`sp.prompt ~= nil` => out.prompt = sp.prompt). Writing
-				// zeros here therefore rewrote the model price of every model
-				// this rule DOES list to 0 — while out.priced stayed true, so
-				// unpriced_reqs never grew either. Cost 0, no warning: GitCode
-				// issue #1.
-				//
-				// `per_request: 0` is the marker itself: it adds nothing to a
-				// request's cost, but its presence makes the plugin see the
-				// source as priced, which is the only thing this entry is for.
-				// (free/subscription above keep their zero token prices: there
-				// the zero IS the statement.)
-				prices["sources"].(map[string]interface{})[srcName] = map[string]interface{}{
-					"per_request": 0.0,
-				}
-			}
-		}
-		return nil
-	}
-	return fmt.Errorf("unknown mode %q", rule.Mode)
-}
-
-// usdPerM converts a USD-per-million string into the per-token rate the plugin
-// expects. Delegates to config.ParseFloatUSDPerM so the DSL validator and the
-// compiler agree byte-for-byte on what a valid price is — a value that passes
-// Validate() but fails here (or vice versa) would be the worst kind of drift.
-func usdPerM(s string) (float64, error) {
-	return config.ParseFloatUSDPerM(s)
-}
-
-// compilePeak renders the peak window in the shape the plugin reads:
-// { multiplier, windows = { { days = {...}, hours = { {lo,hi}, ... } } } }.
-//
-// The plugin reads `days` / `hours` pairs. The first version of the deployed
-// price table used { start, end, weekdays } — a shape nothing reads — so peak
-// traffic was billed at off-peak rates with no error anywhere. Compiling from
-// typed config fields removes the chance of writing the wrong key names by hand.
-func compilePeak(p *config.BillingPeak) map[string]interface{} {
-	win := map[string]interface{}{}
-	if len(p.Weekdays) > 0 {
-		days := make([]interface{}, 0, len(p.Weekdays))
-		for _, d := range p.Weekdays {
-			days = append(days, d)
-		}
-		win["days"] = days
-	}
-	if len(p.Hours) > 0 {
-		hours := make([]interface{}, 0, len(p.Hours))
-		for _, h := range p.Hours {
-			hours = append(hours, []interface{}{h[0], h[1]})
-		}
-		win["hours"] = hours
-	}
-	out := map[string]interface{}{"multiplier": p.Multiplier}
-	if len(win) > 0 {
-		out["windows"] = []interface{}{win}
-	}
-	return out
-}
-
-// longContextRate resolves the marginal per-token rate for the tokens ABOVE a
-// threshold, given the model's base per-million prompt price.
-//
-// Two ways to express it are supported because providers publish both: an
-// absolute rate (OpenAI quotes \$3.00/M past 200k) and a multiple (DeepSeek
-// quotes exactly 2x past 128k). Neither may be missing: a step with no rate is a
-// silent no-op, and an operator who wrote one meant something.
-func longContextRate(lc *config.BillingLongContext, basePerToken float64) (float64, error) {
-	hasPrompt := strings.TrimSpace(lc.Prompt) != ""
-	hasMult := lc.Multiplier > 0
-	switch {
-	case hasPrompt && hasMult:
-		p, err := usdPerM(lc.Prompt)
-		if err != nil {
-			return 0, err
-		}
-		// Both given: the absolute rate wins, because it is the one the provider
-		// actually quotes. Silently multiplying instead would produce a number
-		// the operator never wrote.
-		return p, nil
-	case hasPrompt:
-		return usdPerM(lc.Prompt)
-	case hasMult:
-		return basePerToken * lc.Multiplier, nil
-	default:
-		return 0, fmt.Errorf("needs either prompt or multiplier")
-	}
-}
diff --git a/internal/billing/wildcard_test.go b/internal/billing/wildcard_test.go
deleted file mode 100644
index df62718..0000000
--- a/internal/billing/wildcard_test.go
+++ /dev/null
@@ -1,316 +0,0 @@
-package billing
-
-import (
-	"testing"
-
-	"llmsproxy/internal/config"
-)
-
-// The wildcard token rule must not blanket-mark every source as priced.
-//
-// Why this is a hazard and not a style question: priceFor() sets priced=true as
-// soon as the request's SOURCE has an entry in the price table, and that flag
-// is what keeps a request OUT of unpriced_reqs. A "*" rule is a model
-// catalogue — it prices specific model ids wherever they come from — but
-// compiling it into a {0,0,0} entry on all 21 sources made every model the
-// catalogue does not list look "priced at zero". Paid providers (commandcode,
-// alittokenplan, …) then stopped appearing in the unpriced warnings, which is
-// exactly the silent zero-billing failure the plugin exists to surface.
-func TestWildcardTokenRuleDoesNotMarkEverySourcePriced(t *testing.T) {
-	sources := []config.Source{
-		{Name: "free1", BaseURL: "https://free1.example.com/v1"},
-		{Name: "paid1", BaseURL: "https://paid1.example.com/v1"},
-		{Name: "paid2", BaseURL: "https://paid2.example.com/v1"},
-	}
-	profile := &config.BillingProfile{
-		ID: "p",
-		Rules: []config.BillingRule{
-			{URL: "https://free1.example.com/v1", Mode: "free"},
-			{
-				URL: "*", Mode: "token",
-				Models: map[string]config.BillingToken{
-					"only-catalogued-model": {Prompt: "1.00", Completion: "2.00"},
-				},
-			},
-		},
-	}
-	prices, err := Compile(profile, sources)
-	if err != nil {
-		t.Fatalf("compile: %v", err)
-	}
-	srcs := prices["sources"].(map[string]interface{})
-
-	// The explicitly free source keeps its entry (free is a deliberate 0).
-	if _, ok := srcs["free1"]; !ok {
-		t.Error("the explicit free rule lost its source entry")
-	}
-	// Paid sources must NOT be marked, or their unlisted models bill $0.
-	for _, name := range []string{"paid1", "paid2"} {
-		if _, ok := srcs[name]; ok {
-			t.Errorf("wildcard token rule marked %q as priced at 0 — its unlisted "+
-				"models will bill $0 instead of appearing as unpriced", name)
-		}
-	}
-	// The catalogue itself must still be present, or the rule prices nothing.
-	models := prices["models"].(map[string]interface{})
-	if _, ok := models["only-catalogued-model"]; !ok {
-		t.Error("the wildcard rule did not publish its model price")
-	}
-}
-
-// The inverse guard: a token rule for a SPECIFIC url still marks that source,
-// because it genuinely declares pricing for the models served from it.
-func TestSpecificURLTokenRuleStillMarksItsSource(t *testing.T) {
-	sources := []config.Source{
-		{Name: "mine", BaseURL: "https://mine.example.com/v1"},
-		{Name: "other", BaseURL: "https://other.example.com/v1"},
-	}
-	profile := &config.BillingProfile{
-		ID: "p",
-		Rules: []config.BillingRule{{
-			URL: "https://mine.example.com/v1", Mode: "token",
-			Models: map[string]config.BillingToken{
-				"m": {Prompt: "1.00", Completion: "2.00"},
-			},
-		}},
-	}
-	prices, err := Compile(profile, sources)
-	if err != nil {
-		t.Fatalf("compile: %v", err)
-	}
-	srcs := prices["sources"].(map[string]interface{})
-	if _, ok := srcs["mine"]; !ok {
-		t.Error("a specific-url token rule must still mark its own source priced")
-	}
-	if _, ok := srcs["other"]; ok {
-		t.Error("an unrelated source was marked priced by a specific-url rule")
-	}
-}
-
-// TestReasoningPriceIsOmittedUnlessSet pins the absence convention for the
-// thinking-token rate.
-//
-// A rule that says nothing about reasoning must produce a price entry with NO
-// reasoning_price key, so the billing plugin skips the repricing branch and
-// bills thinking at the ordinary output rate — which is what every provider
-// actually charges. Writing an explicit 0 instead would read as "thinking is
-// free" and silently under-bill every request from that model.
-func TestReasoningPriceIsOmittedUnlessSet(t *testing.T) {
-	sources := []config.Source{{Name: "up", BaseURL: "https://up.example/v1"}}
-
-	// Case 1: no reasoning declared → the key must not appear.
-	p1 := &config.BillingProfile{ID: "p", Rules: []config.BillingRule{{
-		URL: "https://up.example/v1", Mode: "token",
-		Models: map[string]config.BillingToken{
-			"m": {Prompt: "1.00", Completion: "2.00"},
-		},
-	}}}
-	prices, err := Compile(p1, sources)
-	if err != nil {
-		t.Fatal(err)
-	}
-	entry := prices["models"].(map[string]interface{})["m"].(map[string]interface{})
-	if _, present := entry["reasoning_price"]; present {
-		t.Errorf("reasoning_price present (%v) without a rule; the plugin would treat 0 as free",
-			entry["reasoning_price"])
-	}
-
-	// Case 2: declared → present, and converted to per-token like every other rate.
-	p2 := &config.BillingProfile{ID: "p", Rules: []config.BillingRule{{
-		URL: "https://up.example/v1", Mode: "token",
-		Models: map[string]config.BillingToken{
-			"m": {Prompt: "1.00", Completion: "2.00", Reasoning: "6.00"},
-		},
-	}}}
-	prices2, err := Compile(p2, sources)
-	if err != nil {
-		t.Fatal(err)
-	}
-	e2 := prices2["models"].(map[string]interface{})["m"].(map[string]interface{})
-	rp, ok := e2["reasoning_price"].(float64)
-	if !ok {
-		t.Fatalf("reasoning_price missing or wrong type: %#v", e2["reasoning_price"])
-	}
-	if rp != 6e-6 {
-		t.Errorf("reasoning_price = %v, want 6e-6 (USD per TOKEN)", rp)
-	}
-	// A malformed rate must be rejected, not silently ignored: an operator who
-	// typed "6 USD" expects either that value or an error, never a rule that
-	// looks applied and bills nothing.
-	p3 := &config.BillingProfile{ID: "p", Rules: []config.BillingRule{{
-		URL: "https://up.example/v1", Mode: "token",
-		Models: map[string]config.BillingToken{
-			"m": {Prompt: "1.00", Completion: "2.00", Reasoning: "six dollars"},
-		},
-	}}}
-	if _, err := Compile(p3, sources); err == nil {
-		t.Error("a non-numeric reasoning rate must fail the compile")
-	}
-}
-
-// TestLongContextStepCompiles pins the long-context step's two accepted forms
-// and its rejection of a step that would silently do nothing.
-//
-// Providers publish both shapes — DeepSeek says "2x past 128k", OpenAI quotes
-// an absolute "$3.00/M past 200k" — so both must compile. Neither may be
-// missing: a step with no rate is a rule that LOOKS like it handles long
-// context and does not, which under-bills without any visible sign.
-func TestLongContextStepCompiles(t *testing.T) {
-	sources := []config.Source{{Name: "up", BaseURL: "https://up.example/v1"}}
-
-	compile := func(lc config.BillingLongContext) (map[string]interface{}, error) {
-		p := &config.BillingProfile{ID: "p", Rules: []config.BillingRule{{
-			URL: "https://up.example/v1", Mode: "token",
-			Models: map[string]config.BillingToken{
-				"m": {Prompt: "1.00", Completion: "2.00", LongContext: &lc},
-			},
-		}}}
-		prices, err := Compile(p, sources)
-		if err != nil {
-			return nil, err
-		}
-		e := prices["models"].(map[string]interface{})["m"].(map[string]interface{})
-		return e["long_context"].(map[string]interface{}), nil
-	}
-
-	// Absolute rate (OpenAI's published shape).
-	lc1, err := compile(config.BillingLongContext{Above: 200000, Prompt: "3.00"})
-	if err != nil {
-		t.Fatalf("absolute long_context rate rejected: %v", err)
-	}
-	if lc1["above"] != 200000 || lc1["prompt"] != 3e-6 {
-		t.Errorf("absolute step = %#v, want above=200000 prompt=3e-6", lc1)
-	}
-
-	// Multiplier (DeepSeek's shape): 2x of the 1.00/M base.
-	lc2, err := compile(config.BillingLongContext{Above: 128000, Multiplier: 2})
-	if err != nil {
-		t.Fatalf("multiplier long_context rejected: %v", err)
-	}
-	if lc2["prompt"] != 2e-6 {
-		t.Errorf("multiplier step = %#v, want prompt=2e-6", lc2)
-	}
-
-	// Both given: the absolute rate wins, because that is the number the
-	// provider quotes. Multiplying instead would produce a figure the operator
-	// never wrote.
-	lc3, err := compile(config.BillingLongContext{Above: 128000, Prompt: "5.00", Multiplier: 2})
-	if err != nil {
-		t.Fatal(err)
-	}
-	if lc3["prompt"] != 5e-6 {
-		t.Errorf("both given = %#v, want the quoted absolute rate 5e-6", lc3)
-	}
-
-	// Neither: a no-op step must fail, not compile into a rule that silently
-	// bills long context at the base rate.
-	if _, err := compile(config.BillingLongContext{Above: 128000}); err == nil {
-		t.Error("a step with neither prompt nor multiplier must be rejected")
-	}
-	// A zero threshold would make every request "long".
-	if _, err := compile(config.BillingLongContext{Above: 0, Multiplier: 2}); err == nil {
-		t.Error("above=0 must be rejected")
-	}
-}
-
-// A specific-URL token rule marks its source priced, but the entry must carry
-// ONLY the "this source is priced" marker — not zero token prices.
-//
-// Why: `billing.lua`'s priceFor() applies the source dimension AFTER the model
-// dimension and treats `sp.prompt ~= nil` as an override. A {prompt:0,
-// completion:0} entry therefore zeroes the model price of every model the rule
-// DOES list. The symptom is silent: cost is 0 while out.priced is true, so
-// unpriced_reqs does not grow either (GitCode issue #1).
-//
-// The original test only asserted the KEY existed, which froze the broken shape
-// into a contract; this asserts the entry CONTENT.
-func TestSpecificURLTokenRuleSourceEntryHasNoZeroTokenPrices(t *testing.T) {
-	sources := []config.Source{{Name: "mine", BaseURL: "https://mine.example.com/v1"}}
-	profile := &config.BillingProfile{
-		ID: "p",
-		Rules: []config.BillingRule{{
-			URL: "https://mine.example.com/v1", Mode: "token",
-			Models: map[string]config.BillingToken{
-				"m": {Prompt: "0.15", Completion: "0.60"},
-			},
-		}},
-	}
-	prices, err := Compile(profile, sources)
-	if err != nil {
-		t.Fatalf("compile: %v", err)
-	}
-	entry, ok := prices["sources"].(map[string]interface{})["mine"].(map[string]interface{})
-	if !ok {
-		t.Fatal("a specific-url token rule must still mark its own source priced")
-	}
-	for _, key := range []string{"prompt", "completion"} {
-		if _, present := entry[key]; present {
-			t.Errorf("source entry carries %s=%v: priceFor() treats it as an override "+
-				"and zeroes the model price (issue #1)", key, entry[key])
-		}
-	}
-	// per_request: 0 is the marker itself: adding a flat fee must not change
-	// the total, and the key's presence is what tells the plugin "priced".
-	if v, present := entry["per_request"]; !present || v != 0.0 {
-		t.Errorf("source entry must carry per_request:0 as the priced marker, got %#v", entry)
-	}
-	// The model price must still be the real per-token value.
-	m, ok := prices["models"].(map[string]interface{})["m"].(map[string]interface{})
-	if !ok {
-		t.Fatal("model price missing")
-	}
-	if m["prompt"] != 0.15e-6 {
-		t.Errorf("model prompt price = %v, want 1.5e-7 per token", m["prompt"])
-	}
-}
-
-// free / subscription are DELIBERATE zeros: their source entries keep the
-// zero token prices, because there the zero IS the statement.
-func TestExplicitZeroModesKeepZeroTokenPrices(t *testing.T) {
-	for _, mode := range []string{"free", "subscription"} {
-		profile := &config.BillingProfile{ID: "p", Rules: []config.BillingRule{{
-			URL: "https://mine.example.com/v1", Mode: mode, Subscription: 10,
-		}}}
-		prices, err := Compile(profile, []config.Source{
-			{Name: "mine", BaseURL: "https://mine.example.com/v1"},
-		})
-		if err != nil {
-			t.Fatalf("%s compile: %v", mode, err)
-		}
-		entry, ok := prices["sources"].(map[string]interface{})["mine"].(map[string]interface{})
-		if !ok {
-			t.Fatalf("%s: source entry missing", mode)
-		}
-		for _, key := range []string{"prompt", "completion"} {
-			if v, present := entry[key]; !present || v != 0.0 {
-				t.Errorf("%s: entry[%s] = %v (present=%v), want an explicit 0.0",
-					mode, key, v, present)
-			}
-		}
-	}
-}
-
-// UnmatchedRuleURLs 是给调用方的"哪条规则写错了"清单：严格编译只会说
-// "compile failed"，而运维需要知道具体 URL；降级应用时也要能说明丢了什么。
-func TestUnmatchedRuleURLs(t *testing.T) {
-	sources := []config.Source{{Name: "mine", BaseURL: "https://mine.example.com/v1"}}
-	profile := &config.BillingProfile{
-		ID: "p",
-		Rules: []config.BillingRule{
-			{URL: "https://mine.example.com/v1", Mode: "free"},
-			{URL: "https://stale.example.com/v1", Mode: "free"},
-			{URL: "*", Mode: "token", Models: map[string]config.BillingToken{
-				"m": {Prompt: "1", Completion: "1"},
-			}},
-			{URL: "https://mine.example.com/v1/", Mode: "free"}, // 尾斜杠归一后匹配
-		},
-	}
-	got := UnmatchedRuleURLs(profile, sources)
-	if len(got) != 1 || got[0] != "https://stale.example.com/v1" {
-		t.Fatalf("unmatched = %v, want only the stale URL (wildcard and trailing-slash "+
-			"variants must not be reported)", got)
-	}
-	if nil != UnmatchedRuleURLs(nil, sources) {
-		t.Error("nil profile must yield nil")
-	}
-}
diff --git a/internal/core/billing_compile.go b/internal/core/billing_compile.go
new file mode 100644
index 0000000..3db0aee
--- /dev/null
+++ b/internal/core/billing_compile.go
@@ -0,0 +1,84 @@
+package core
+
+import (
+	"encoding/json"
+	"fmt"
+
+	"llmsproxy/internal/config"
+)
+
+// compileBillingPrices turns a billing profile into the prices table the billing
+// plugin consumes — by ASKING THE PLUGIN TO DO IT.
+//
+// Why the kernel does not compile prices any more (GitCode issue #1, follow-up
+// direction): "how a rule becomes a price table" is billing semantics, and it
+// used to live in TWO places — `internal/billing/compile.go` produced source
+// entries with zero token prices, while `billing.lua`'s priceFor() applied the
+// source dimension after the model dimension. Each was defensible alone; together
+// they silently zeroed every request (cost 0, unpriced_reqs frozen). Splitting
+// the semantics across two languages is what made that possible.
+//
+// So the kernel keeps only what it must own — decoding config.yaml and validating
+// the DSL — and hands the PROFILE plus the source base URLs to the plugin as
+// plain DATA. The plugin compiles, and the kernel injects the result through the
+// existing `prices` sidecar (SetState), which also keeps price-vs-ledger
+// separation intact.
+//
+// A plugin sandbox has no filesystem access, so "the plugin reads the config
+// file" is not achievable by design; passing the decoded profile is the hook /
+// interface this architecture provides instead.
+func (c *Core) compileBillingPrices(profile *config.BillingProfile, lenient bool) (map[string]interface{}, []string, error) {
+	if c.plugins == nil {
+		return nil, nil, fmt.Errorf("plugins not loaded")
+	}
+	if profile == nil {
+		return nil, nil, fmt.Errorf("no billing profile")
+	}
+	// Structs go through JSON so the Lua side receives plain data (maps/slices):
+	// pushGoValue is not a struct encoder, and a silent shape mismatch here would
+	// look exactly like "the plugin priced nothing".
+	rawProfile, err := json.Marshal(profile)
+	if err != nil {
+		return nil, nil, err
+	}
+	var prof map[string]interface{}
+	if err := json.Unmarshal(rawProfile, &prof); err != nil {
+		return nil, nil, err
+	}
+	sources := make([]map[string]interface{}, 0, len(c.cfg.Sources))
+	for _, s := range c.cfg.Sources {
+		sources = append(sources, map[string]interface{}{"name": s.Name, "base_url": s.BaseURL})
+	}
+	out, err := c.plugins.Call("billing", "compile_prices", map[string]interface{}{
+		"profile": prof, "sources": sources, "lenient": lenient,
+	})
+	if err != nil {
+		return nil, nil, err
+	}
+	m, ok := out.(map[string]interface{})
+	if !ok {
+		return nil, nil, fmt.Errorf("billing plugin returned an unexpected shape: %T", out)
+	}
+	if msg, hasErr := m["error"]; hasErr {
+		if e := fmt.Sprint(msg); e != "" && e != "<nil>" {
+			return nil, nil, fmt.Errorf("%s", e)
+		}
+	}
+	prices, ok := m["prices"].(map[string]interface{})
+	if !ok {
+		return nil, nil, fmt.Errorf("billing plugin returned no prices table")
+	}
+	var unmatched []string
+	if arr, ok := m["unmatched_rules"].([]interface{}); ok {
+		for _, v := range arr {
+			unmatched = append(unmatched, fmt.Sprint(v))
+		}
+	}
+	return prices, unmatched, nil
+}
+
+// CompileBillingPrices is compileBillingPrices for callers outside the package
+// (the rules editor validates an edit before persisting it).
+func (c *Core) CompileBillingPrices(profile *config.BillingProfile, lenient bool) (map[string]interface{}, []string, error) {
+	return c.compileBillingPrices(profile, lenient)
+}
diff --git a/internal/core/core.go b/internal/core/core.go
index 55ee2e2..1ffa9ca 100644
--- a/internal/core/core.go
+++ b/internal/core/core.go
@@ -16,7 +16,6 @@ import (
 	"sync/atomic"
 	"time"
 
-	"llmsproxy/internal/billing"
 	"llmsproxy/internal/config"
 	"llmsproxy/internal/lua"
 	"llmsproxy/internal/provider"
@@ -1055,7 +1054,7 @@ func (c *Core) applyBillingDSL() {
 		log.Printf("[billing] no billing profile resolved (active=%q)", dsl.Active)
 		return
 	}
-	prices, err := billing.Compile(profile, c.cfg.Sources)
+	prices, staleRules, err := c.compileBillingPrices(profile, false)
 	if err != nil {
 		// ONE stale rule URL must not take the whole price table down with it.
 		//
@@ -1070,7 +1069,7 @@ func (c *Core) applyBillingDSL() {
 		// So: apply the rules that DO match, and say exactly what was dropped.
 		// The profile still fails loudly — it just no longer fails silently for
 		// everything else.
-		lenient, lerr := billing.CompileOpts(profile, c.cfg.Sources, true)
+		lenient, stale, lerr := c.compileBillingPrices(profile, true)
 		if lerr != nil {
 			log.Printf("[billing] profile %q not applied: %v (lenient retry also failed: %v)",
 				profile.ID, err, lerr)
@@ -1083,34 +1082,21 @@ func (c *Core) applyBillingDSL() {
 		log.Printf("[billing] ERROR profile %q has %d rule URL(s) matching no configured "+
 			"source: %v — applied the remaining %d rule(s); unmatched traffic falls through "+
 			"to default=%q and keeps counting in unpriced_reqs. FIX THE RULE URL: a stale URL "+
-			"used to zero out the entire price table.", profile.ID,
-			len(billing.UnmatchedRuleURLs(profile, c.cfg.Sources)),
-			billing.UnmatchedRuleURLs(profile, c.cfg.Sources),
-			len(profile.Rules)-len(billing.UnmatchedRuleURLs(profile, c.cfg.Sources)), def)
-		prices = lenient
+			"used to zero out the entire price table.", profile.ID, len(stale), stale,
+			len(profile.Rules)-len(stale), def)
+		prices, staleRules = lenient, stale
 	}
+	_ = staleRules
 	if err := ps.SetState("billing", map[string]interface{}{"prices": prices}); err != nil {
 		log.Printf("[billing] applying profile %q: %v", profile.ID, err)
 		return
 	}
 	log.Printf("[billing] profile %q applied (%d rules, %d sources)", profile.ID, len(profile.Rules), len(c.cfg.Sources))
-	// unmatched_sources used to be written by the compiler and read by nobody,
-	// so a profile that silently left half the gateway unpriced looked applied
-	// and healthy. Logging it is the cheap reader: an operator who sees source
-	// names here knows exactly which rules to add (GitCode issue #1 follow-up).
-	if unmatched, ok := prices["unmatched_sources"].([]string); ok && len(unmatched) > 0 {
-		log.Printf("[billing] WARNING %d source(s) match no rule and fall through to the "+
-			"profile default: %v (add rules, or set `default: free` if that is intended)",
-			len(unmatched), unmatched)
-	} else if raw, ok := prices["unmatched_sources"].([]interface{}); ok && len(raw) > 0 {
-		names := make([]string, 0, len(raw))
-		for _, v := range raw {
-			names = append(names, fmt.Sprint(v))
-		}
-		log.Printf("[billing] WARNING %d source(s) match no rule and fall through to the "+
-			"profile default: %v (add rules, or set `default: free` if that is intended)",
-			len(names), names)
-	}
+	// Sources that no rule matched are encoded by the COMPILER (the plugin):
+	// `default: free` writes a {per_request:0} marker, `unpriced` leaves them out
+	// so the plugin's counters see them. The old `unmatched_sources` key was
+	// written by the compiler and read by nobody — deleted rather than kept as
+	// decoration (GitCode issue #1 / PR #2).
 }
 
 // ValidateScopeQuotas checks every scope entry's caps before they are stored.
diff --git a/internal/gateway/billing_rules_api.go b/internal/gateway/billing_rules_api.go
index 5c0f601..16f49df 100644
--- a/internal/gateway/billing_rules_api.go
+++ b/internal/gateway/billing_rules_api.go
@@ -4,7 +4,6 @@ import (
 	"encoding/json"
 	"net/http"
 
-	"llmsproxy/internal/billing"
 	"llmsproxy/internal/config"
 )
 
@@ -238,7 +237,15 @@ func (g *Gateway) applyBillingDSLUpdate(w http.ResponseWriter, next *config.Bill
 	// Compile before persisting: a profile that cannot be turned into prices
 	// must not reach the config file, or the next restart fails to load the
 	// very rules the editor just accepted.
-	prices, err := billing.CompileOpts(next.Resolve(next.Active), cfg.Sources, true)
+	//
+	// The compilation itself runs in the BILLING PLUGIN (see
+	// core.compileBillingPrices): the kernel only decodes config.yaml and passes
+	// the profile + source URLs as data, so the "what does this rule mean"
+	// semantics live in exactly one place. Editor saves are lenient: a
+	// half-finished rule (URL typed before its source exists) must be saveable
+	// and reported, not rejected with an error the operator can only resolve by
+	// guessing.
+	prices, _, err := g.core.CompileBillingPrices(next.Resolve(next.Active), true)
 	if err != nil {
 		cfg.BillingDSL = prev // no half-applied state
 		writeError(w, http.StatusBadRequest, "compile_failed", err.Error())
diff --git a/internal/gateway/billing_rules_api_test.go b/internal/gateway/billing_rules_api_test.go
index 159102c..cad271f 100644
--- a/internal/gateway/billing_rules_api_test.go
+++ b/internal/gateway/billing_rules_api_test.go
@@ -224,27 +224,34 @@ func TestBillingRulesPersistAndReachThePlugin(t *testing.T) {
 	if !ok {
 		t.Fatalf("prices has no sources map: %#v", prices)
 	}
-	cc, ok := sources["commandcode"]
-	if !ok {
-		t.Fatalf("the rule was saved but never injected: prices has %v, "+
-			"no commandcode entry. Every request on it stays unpriced.", keysOf(sources))
-	}
-	if cc == nil {
-		t.Error("commandcode price entry is nil")
+	// A token rule must NOT produce a source entry at all: priceFor() applies
+	// the source dimension after the model dimension and lets it override the
+	// token rate, so a marker here is what silently zeroed the bill (issue #1 /
+	// PR #2). Models absent from the rule surface as unpriced instead.
+	if entry, ok := sources["commandcode"]; ok {
+		t.Errorf("the token rule produced a source entry %#v — it overrides the "+
+			"model price (issue #1)", entry)
 	}
 	// The free rule must price localzen, and the two must not be conflated.
 	if _, ok := sources["localzen"]; !ok {
 		t.Errorf("the free rule did not reach the plugin: %v", keysOf(sources))
 	}
-	// The source entry exists ONLY as the "this source is priced" marker: it
-	// must not carry token prices, because priceFor() applies the source
-	// dimension after the model dimension and would overwrite the model price
-	// with 0 (GitCode issue #1 — silent, unpriced_reqs does not grow either).
-	if entry, ok := cc.(map[string]interface{}); ok {
+	// Invariant: only DELIBERATE zero-token entries (mode=free/subscription) may
+	// carry prompt/completion, and they must be exactly 0. In this fixture the
+	// free rule covers localzen, so any other source with token prices — or a
+	// non-zero one — would override model rates (issue #1).
+	for name, raw := range sources {
+		entry, ok := raw.(map[string]interface{})
+		if !ok {
+			continue
+		}
+		if name == "localzen" { // the explicit free rule of this fixture
+			continue
+		}
 		for _, key := range []string{"prompt", "completion"} {
 			if _, present := entry[key]; present {
-				t.Errorf("the injected source entry carries %s: it will zero the "+
-					"model price (issue #1): %#v", key, entry)
+				t.Errorf("source %q carries %s=%v: it overrides every model price "+
+					"on that source (issue #1)", name, key, entry[key])
 			}
 		}
 	}
diff --git a/internal/lua/billing_compile_test.go b/internal/lua/billing_compile_test.go
new file mode 100644
index 0000000..6b5abcb
--- /dev/null
+++ b/internal/lua/billing_compile_test.go
@@ -0,0 +1,402 @@
+package lua
+
+import (
+	"fmt"
+	"strings"
+	"testing"
+)
+
+// 规则 → 价格表的编译现在**在插件里**（GitCode issue #1 的建议方向：内核只提供
+// 钩子/接口，计费语义下沉到 Lua）。这些判据从原 internal/billing 的 Go 单测
+// 平移而来，并补上 issue #1 暴露的两个形状陷阱。
+//
+// 为什么必须保留这些判据：语义一旦分裂回两处，就会出现"源层零价覆盖模型价"
+// 这类静默归零 —— 账单加总正常、只是少报，且 unpriced_reqs 也不涨。
+func compilePricesForTest(t *testing.T, profile map[string]interface{}, sources interface{}, lenient bool) map[string]interface{} {
+	t.Helper()
+	ps, _ := billingVM(t)
+	out, err := ps.Call("billing", "compile_prices", map[string]interface{}{
+		"profile": profile, "sources": sources, "lenient": lenient,
+	})
+	if err != nil {
+		t.Fatalf("compile_prices: %v", err)
+	}
+	m, ok := out.(map[string]interface{})
+	if !ok {
+		t.Fatalf("compile_prices returned %T", out)
+	}
+	if e, hasErr := m["error"]; hasErr && fmt.Sprint(e) != "" {
+		t.Fatalf("编译失败: %v", e)
+	}
+	if p, ok := m["prices"].(map[string]interface{}); ok {
+		return p
+	}
+	t.Fatalf("no prices in %#v", m)
+	return nil
+}
+
+// 编译失败通过载荷里的 error 字段回传（内核桥的第二个返回值通道在插件导出上
+// 不可靠；{error=...} 是本仓库的通行约定）。返回错误文本供断言。
+func compilePricesErr(t *testing.T, profile map[string]interface{}, sources interface{}, lenient bool) string {
+	t.Helper()
+	ps, _ := billingVM(t)
+	out, err := ps.Call("billing", "compile_prices", map[string]interface{}{
+		"profile": profile, "sources": sources, "lenient": lenient,
+	})
+	if err != nil {
+		return err.Error()
+	}
+	m, ok := out.(map[string]interface{})
+	if !ok {
+		t.Fatalf("compile_prices returned %T", out)
+	}
+	if e, hasErr := m["error"]; hasErr {
+		if s := fmt.Sprint(e); s != "" && s != "<nil>" {
+			return s
+		}
+	}
+	t.Fatalf("预期编译失败，实得 %#v", m)
+	return ""
+}
+
+func srcList(base string) []map[string]interface{} {
+	return []map[string]interface{}{{"name": "mine", "base_url": base}}
+}
+
+// 通配符 token 规则**不能**给源写零价条目：源层覆盖模型层，会把该源所有未列
+// 价模型悄悄算成 0（原 Go 测试 TestWildcardTokenRuleDoesNotMarkPaidSources）。
+func TestBillingCompileWildcardTokenDoesNotMarkSources(t *testing.T) {
+	sources := []map[string]interface{}{
+		{"name": "paid1", "base_url": "https://paid1.example.com/v1"},
+		{"name": "paid2", "base_url": "https://paid2.example.com/v1"},
+		{"name": "free1", "base_url": "https://free.example.com/v1"},
+	}
+	profile := map[string]interface{}{
+		"id": "p",
+		"rules": []interface{}{
+			map[string]interface{}{"url": "https://free.example.com/v1", "mode": "free"},
+			map[string]interface{}{"url": "*", "mode": "token", "models": map[string]interface{}{
+				"only-catalogued-model": map[string]interface{}{"prompt": "1.0", "completion": "2.0"},
+			}},
+		},
+	}
+	prices := compilePricesForTest(t, profile, sources, false)
+	srcs := prices["sources"].(map[string]interface{})
+	if _, ok := srcs["free1"]; !ok {
+		t.Error("显式 free 规则的源条目丢了（free 的 0 是语义）")
+	}
+	for _, name := range []string{"paid1", "paid2"} {
+		if _, ok := srcs[name]; ok {
+			t.Errorf("通配符 token 规则把 %q 标成已定价/0 价 —— 其未列价模型会算成 0 而不是进入 unpriced", name)
+		}
+	}
+	models := prices["models"].(map[string]interface{})
+	if _, ok := models["only-catalogued-model"]; !ok {
+		t.Error("通配符规则没有发布模型价")
+	}
+}
+
+// token 规则**不得**产生源条目（PR #2 的结论，比 issue 正文的 per_request 标记更收口）。
+//
+// 只写 {per_request:0} 虽然不会清零模型价，但同源上未列入 rule.Models 的模型仍被
+// 视为"已定价"、静默计 0、unpriced 计数不涨 —— 仍是静默少报。统一收口后它们
+// 落到 unpriced 统计里（可见）；真正"边际成本为零"用 free/subscription。
+func TestBillingCompileTokenRuleEmitsNoSourceEntry(t *testing.T) {
+	profile := map[string]interface{}{
+		"id": "p",
+		"rules": []interface{}{map[string]interface{}{
+			"url": "https://mine.example.com/v1", "mode": "token",
+			"models": map[string]interface{}{
+				"m": map[string]interface{}{"prompt": "0.15", "completion": "0.60"},
+			},
+		}},
+	}
+	prices := compilePricesForTest(t, profile, srcList("https://mine.example.com/v1"), false)
+	srcs := prices["sources"].(map[string]interface{})
+	if entry, ok := srcs["mine"]; ok {
+		t.Errorf("token 规则产生了源条目 %#v：源层会覆盖模型价 / 静默计 0", entry)
+	}
+	// per-million → per-token：0.15 USD/M = 1.5e-7
+	m := prices["models"].(map[string]interface{})["m"].(map[string]interface{})
+	if m["prompt"].(float64) != 1.5e-7 {
+		t.Errorf("prompt = %v, want 1.5e-7（per-token）", m["prompt"])
+	}
+	if m["completion"].(float64) != 6e-7 {
+		t.Errorf("completion = %v, want 6e-7", m["completion"])
+	}
+}
+
+// 根因直防：token 规则的源条目不得携带 token 价。
+// （free/subscription 是唯一合法的"有意零价"，由下一个测试单独守住。）
+func TestBillingCompileNoSourceEntryEverCarriesTokenPrices(t *testing.T) {
+	sources := []map[string]interface{}{
+		{"name": "a", "base_url": "https://a.example/v1"},
+		{"name": "b", "base_url": "https://b.example/v1"},
+		{"name": "c", "base_url": "https://c.example/v1"},
+		{"name": "d", "base_url": "https://d.example/v1"},
+	}
+	profile := map[string]interface{}{
+		"id": "p",
+		"rules": []interface{}{
+			map[string]interface{}{"url": "https://a.example/v1", "mode": "token",
+				"models": map[string]interface{}{"m1": map[string]interface{}{"prompt": "1", "completion": "2"}}},
+			map[string]interface{}{"url": "https://b.example/v1", "mode": "unpriced"},
+			map[string]interface{}{"url": "*", "mode": "token",
+				"models": map[string]interface{}{"m2": map[string]interface{}{"prompt": "3", "completion": "4"}}},
+		},
+	}
+	prices := compilePricesForTest(t, profile, sources, false)
+	for name, raw := range prices["sources"].(map[string]interface{}) {
+		entry, ok := raw.(map[string]interface{})
+		if !ok {
+			t.Fatalf("源 %q 条目不是表: %#v", name, raw)
+		}
+		if _, bad := entry["prompt"]; bad {
+			t.Errorf("源 %q 携带 prompt=%v：会覆盖该源所有模型价", name, entry["prompt"])
+		}
+		if _, bad := entry["completion"]; bad {
+			t.Errorf("源 %q 携带 completion=%v：会覆盖该源所有模型价", name, entry["completion"])
+		}
+	}
+}
+
+// free / subscription 的零价是**语义**，必须保留 prompt/completion=0。
+func TestBillingCompileExplicitZeroModesKeepZeroTokenPrices(t *testing.T) {
+	for _, mode := range []string{"free", "subscription"} {
+		profile := map[string]interface{}{
+			"id": "p",
+			"rules": []interface{}{map[string]interface{}{
+				"url": "https://mine.example.com/v1", "mode": mode, "subscription": 10,
+			}},
+		}
+		prices := compilePricesForTest(t, profile, srcList("https://mine.example.com/v1"), false)
+		entry := prices["sources"].(map[string]interface{})["mine"].(map[string]interface{})
+		for _, key := range []string{"prompt", "completion"} {
+			if v, present := entry[key]; !present || v != 0.0 {
+				t.Errorf("%s: entry[%s] = %v (present=%v), want 显式 0", mode, key, v, present)
+			}
+		}
+	}
+}
+
+// reasoning 未配置时必须**缺席**（不是 0）。写 0 等于"思考免费"，会静默少报
+// 所有把 reasoning 按输出计价的 provider。
+func TestBillingCompileReasoningPriceOmittedUnlessSet(t *testing.T) {
+	base := map[string]interface{}{"prompt": "1.0", "completion": "2.0"}
+	profile := map[string]interface{}{
+		"id": "p",
+		"rules": []interface{}{map[string]interface{}{
+			"url": "https://mine.example.com/v1", "mode": "token",
+			"models": map[string]interface{}{
+				"plain":     base,
+				"reasoning": map[string]interface{}{"prompt": "1.0", "completion": "2.0", "reasoning": "3.0"},
+			},
+		}},
+	}
+	prices := compilePricesForTest(t, profile, srcList("https://mine.example.com/v1"), false)
+	models := prices["models"].(map[string]interface{})
+	if _, present := models["plain"].(map[string]interface{})["reasoning_price"]; present {
+		t.Error("未配置 reasoning 的模型不应出现 reasoning_price（0 会被当成免费）")
+	}
+	rp := models["reasoning"].(map[string]interface{})["reasoning_price"].(float64)
+	if rp != 3e-6 {
+		t.Errorf("reasoning_price = %v, want 3e-6", rp)
+	}
+	_ = base
+}
+
+// long_context：绝对值优先；只给倍数时按基础价的倍数；两者都缺要报错。
+func TestBillingCompileLongContextRates(t *testing.T) {
+	cases := []struct {
+		name    string
+		lc      map[string]interface{}
+		want    float64
+		wantErr bool
+	}{
+		{"absolute", map[string]interface{}{"above": 128000, "prompt": "0.30"}, 3e-7, false},
+		{"multiplier", map[string]interface{}{"above": 128000, "multiplier": 2}, 3e-7, false},
+		{"both-absolute-wins", map[string]interface{}{"above": 128000, "prompt": "0.30", "multiplier": 5}, 3e-7, false},
+		{"neither", map[string]interface{}{"above": 128000}, 0, true},
+		{"above-zero", map[string]interface{}{"above": 0, "multiplier": 2}, 0, true},
+	}
+	for _, tc := range cases {
+		profile := map[string]interface{}{
+			"id": "p",
+			"rules": []interface{}{map[string]interface{}{
+				"url": "https://mine.example.com/v1", "mode": "token",
+				"models": map[string]interface{}{
+					"m": map[string]interface{}{"prompt": "0.15", "completion": "0.6",
+						"long_context": tc.lc},
+				},
+			}},
+		}
+		if tc.wantErr {
+			compilePricesErr(t, profile, srcList("https://mine.example.com/v1"), false)
+			continue
+		}
+		prices := compilePricesForTest(t, profile, srcList("https://mine.example.com/v1"), false)
+		lc := prices["models"].(map[string]interface{})["m"].(map[string]interface{})["long_context"].(map[string]interface{})
+		if lc["prompt"].(float64) != tc.want {
+			t.Errorf("%s: long_context.prompt = %v, want %v", tc.name, lc["prompt"], tc.want)
+		}
+		if lc["above"].(float64) != 128000 {
+			t.Errorf("%s: above = %v", tc.name, lc["above"])
+		}
+	}
+}
+
+// peak 的形状是插件唯一读取的 {multiplier, windows=[{days,hours}]}。
+func TestBillingCompilePeakShape(t *testing.T) {
+	profile := map[string]interface{}{
+		"id": "p",
+		"rules": []interface{}{map[string]interface{}{
+			"url": "https://mine.example.com/v1", "mode": "token",
+			"models": map[string]interface{}{"m": map[string]interface{}{"prompt": "1", "completion": "1"}},
+			"peak": map[string]interface{}{"multiplier": 2,
+				"weekdays": []interface{}{1, 2}, "hours": []interface{}{[]interface{}{1, 4}}},
+		}},
+	}
+	prices := compilePricesForTest(t, profile, srcList("https://mine.example.com/v1"), false)
+	pk := prices["models"].(map[string]interface{})["m"].(map[string]interface{})["peak"].(map[string]interface{})
+	if pk["multiplier"].(float64) != 2 {
+		t.Errorf("multiplier = %v", pk["multiplier"])
+	}
+	wins, ok := pk["windows"].([]interface{})
+	if !ok || len(wins) != 1 {
+		t.Fatalf("windows = %#v", pk["windows"])
+	}
+	win := wins[0].(map[string]interface{})
+	if len(win["days"].([]interface{})) != 2 || len(win["hours"].([]interface{})) != 1 {
+		t.Errorf("window = %#v", win)
+	}
+}
+
+// URL 归一：尾斜杠与大小写不应影响匹配；首条命中优先。
+func TestBillingCompileURLMatchingAndFirstWins(t *testing.T) {
+	sources := []map[string]interface{}{
+		{"name": "mine", "base_url": "https://Mine.Example.com/v1"},
+	}
+	profile := map[string]interface{}{
+		"id": "p",
+		"rules": []interface{}{
+			map[string]interface{}{"url": "https://mine.example.com/v1/", "mode": "free"},
+			map[string]interface{}{"url": "https://mine.example.com/v1", "mode": "token",
+				"models": map[string]interface{}{"m": map[string]interface{}{"prompt": "1", "completion": "1"}}},
+		},
+	}
+	prices := compilePricesForTest(t, profile, sources, false)
+	entry := prices["sources"].(map[string]interface{})["mine"].(map[string]interface{})
+	if entry["prompt"].(float64) != 0 {
+		t.Errorf("首条规则（free）应优先，实得 %#v", entry)
+	}
+	if _, ok := prices["models"].(map[string]interface{})["m"]; ok {
+		t.Error("第二条规则不应再被应用（首条命中优先，避免顺序歧义）")
+	}
+}
+
+// 严格模式：无源匹配的 URL 是硬错误；lenient 模式跳过并回报具体 URL。
+func TestBillingCompileUnmatchedRules(t *testing.T) {
+	profile := map[string]interface{}{
+		"id": "p",
+		"rules": []interface{}{
+			map[string]interface{}{"url": "https://mine.example.com/v1", "mode": "free"},
+			map[string]interface{}{"url": "https://stale.example.com/v1", "mode": "free"},
+		},
+	}
+	if msg := compilePricesErr(t, profile, srcList("https://mine.example.com/v1"), false); msg == "" {
+		t.Fatal("严格模式必须报错")
+	}
+	ps, _ := billingVM(t)
+	out, err := ps.Call("billing", "compile_prices", map[string]interface{}{
+		"profile": profile, "sources": srcList("https://mine.example.com/v1"), "lenient": true,
+	})
+	if err != nil {
+		t.Fatalf("lenient: %v", err)
+	}
+	m := out.(map[string]interface{})
+	rules := m["unmatched_rules"].([]interface{})
+	if len(rules) != 1 || rules[0] != "https://stale.example.com/v1" {
+		t.Errorf("unmatched_rules = %#v", rules)
+	}
+	prices := m["prices"].(map[string]interface{})
+	if _, ok := prices["sources"].(map[string]interface{})["mine"]; !ok {
+		t.Error("lenient 模式下有效规则仍须生效")
+	}
+}
+
+// 硬错误：未知 mode、token 无模型、负价、非数字、profile 不是表。
+func TestBillingCompileHardErrors(t *testing.T) {
+	base := func(rule map[string]interface{}) map[string]interface{} {
+		return map[string]interface{}{"id": "p", "rules": []interface{}{rule}}
+	}
+	url := "https://mine.example.com/v1"
+	src := srcList(url)
+	cases := []struct {
+		name    string
+		profile map[string]interface{}
+		wantSub string
+	}{
+		{"unknown mode", base(map[string]interface{}{"url": url, "mode": "wat"}), "unknown mode"},
+		{"token no models", base(map[string]interface{}{"url": url, "mode": "token"}), "requires at least one model"},
+		{"negative price", base(map[string]interface{}{"url": url, "mode": "token",
+			"models": map[string]interface{}{"m": map[string]interface{}{"prompt": "-1", "completion": "1"}}}), "negative price"},
+		{"not a number", base(map[string]interface{}{"url": url, "mode": "token",
+			"models": map[string]interface{}{"m": map[string]interface{}{"prompt": "abc", "completion": "1"}}}), "not a number"},
+		{"profile not table", nil, "no billing profile"},
+	}
+	for _, tc := range cases {
+		msg := compilePricesErr(t, tc.profile, src, false)
+		if !strings.Contains(msg, tc.wantSub) {
+			t.Errorf("%s: error = %q, want substring %q", tc.name, msg, tc.wantSub)
+		}
+	}
+}
+
+// profile.default 是"没有规则命中的源"的策略，以前被校验后写进无人读的
+// default_mode 键，运行时行为与 unpriced 完全一样（PR #2 修复）。
+func TestBillingCompileProfileDefault(t *testing.T) {
+	sources := []map[string]interface{}{
+		{"name": "listed", "base_url": "https://listed.example/v1"},
+		{"name": "unlisted", "base_url": "https://unlisted.example/v1"},
+	}
+	tokenRule := map[string]interface{}{
+		"url": "https://listed.example/v1", "mode": "token",
+		"models": map[string]interface{}{"m": map[string]interface{}{"prompt": "1", "completion": "2"}},
+	}
+
+	// default: free ⇒ 未匹配源写 {per_request:0}（只标记、不碰 token 价）
+	profile := map[string]interface{}{
+		"id": "p", "default": "free",
+		"rules": []interface{}{tokenRule},
+	}
+	prices := compilePricesForTest(t, profile, sources, false)
+	srcs := prices["sources"].(map[string]interface{})
+	un, ok := srcs["unlisted"].(map[string]interface{})
+	if !ok {
+		t.Fatalf("default: free 没有标记未匹配源: %#v", srcs)
+	}
+	if _, bad := un["prompt"]; bad {
+		t.Errorf("default-free 标记携带 prompt=%v：会清零该源模型价", un["prompt"])
+	}
+	if _, ok := srcs["listed"]; ok {
+		t.Error("default: free 不应标记已被规则命中的源")
+	}
+	if _, ok := prices["models"].(map[string]interface{})["m"]; !ok {
+		t.Error("token 规则的模型价丢了")
+	}
+
+	// default: unpriced / 缺省 ⇒ 不写任何标记（让 unpriced 计数看得见）
+	for _, def := range []interface{}{"unpriced", nil} {
+		profile := map[string]interface{}{"id": "p", "rules": []interface{}{}}
+		if def != nil {
+			profile["default"] = def
+		}
+		prices := compilePricesForTest(t, profile, sources, false)
+		if n := len(prices["sources"].(map[string]interface{})); n != 0 {
+			t.Errorf("default=%v 标记了 %d 个源；它们应保持未定价以便计数", def, n)
+		}
+		if _, present := prices["default_mode"]; present {
+			t.Error("default_mode 是无人读取的死键，不应再写入")
+		}
+	}
+}
diff --git a/internal/lua/billing_test.go b/internal/lua/billing_test.go
index 6855e98..9c6589c 100644
--- a/internal/lua/billing_test.go
+++ b/internal/lua/billing_test.go
@@ -1318,40 +1318,51 @@ func TestBillingSourceEntryStillMarksUnlistedModelPriced(t *testing.T) {
 	}
 }
 
-// profile 级 default（compile.go 写入的 default_mode）必须真的生效。
-//
-// 真实缺陷（GitCode issue #1 顺带发现）：compile.go:54 写 `default_mode`、
-// :104 写 `unmatched_sources`，但全仓库没有任何读取方 —— 于是 profile 的
-// `default: free|unpriced` 在运行时完全等价，区别只存在于 YAML 里。
-// "free" 是**刻意定价为 0**，不该进未定价统计；"unpriced" 才该。
-func TestBillingProfileDefaultMode(t *testing.T) {
-	cases := []struct {
-		mode         string
-		wantUnpriced float64
-	}{
-		{"free", 0},
-		{"unpriced", 1},
-		{"", 1}, // 未声明 = 现有行为（未定价债务）
+// profile 级 default 策略必须真的生效 —— 且它是**编译期**语义（PR #2）：
+// `default: free` 由 compile_prices 给未匹配的源写 {per_request:0} 标记；
+// `unpriced`/缺省不写。旧实现把 default 写进没人读的 default_mode 键，
+// 两种取值运行时完全等价。
+func TestBillingProfileDefaultIsDecidedAtCompileTime(t *testing.T) {
+	sources := []map[string]interface{}{
+		{"name": "listed", "base_url": "https://listed.example/v1"},
+		{"name": "unlisted", "base_url": "https://unlisted.example/v1"},
 	}
-	for _, tc := range cases {
+	tokenRule := map[string]interface{}{
+		"url": "https://listed.example/v1", "mode": "token",
+		"models": map[string]interface{}{"m": map[string]interface{}{"prompt": "1", "completion": "2"}},
+	}
+	run := func(t *testing.T, profile map[string]interface{}) float64 {
+		t.Helper()
 		ps, _ := billingVM(t)
-		prices := map[string]interface{}{
-			"default": map[string]interface{}{"prompt": 0.0, "completion": 0.0, "per_request": 0.0},
+		out, err := ps.Call("billing", "compile_prices", map[string]interface{}{
+			"profile": profile, "sources": sources, "lenient": false,
+		})
+		if err != nil {
+			t.Fatalf("compile_prices: %v", err)
 		}
-		if tc.mode != "" {
-			prices["default_mode"] = tc.mode
+		m := out.(map[string]interface{})
+		if e, bad := m["error"]; bad && fmt.Sprint(e) != "" {
+			t.Fatalf("compile: %v", e)
 		}
-		_ = ps.SetState("billing", map[string]interface{}{"prices": prices})
+		_ = ps.SetState("billing", map[string]interface{}{"prices": m["prices"]})
 		ps.Fire(StageRequestEnd, map[string]interface{}{
-			"model": "no-rule-model", "source": "no-rule-source", "key": "***p", "ok": true,
+			"model": "some-unlisted-model", "source": "unlisted", "key": "***p", "ok": true,
 			"prompt_tokens": 1000.0, "completion_tokens": 10.0, "time": 1750000000000,
 		})
-		st := stateOf(t, ps)
-		if got := st["unpriced_reqs"].(float64); got != tc.wantUnpriced {
-			t.Errorf("default_mode=%q: unpriced_reqs = %v, want %v", tc.mode, got, tc.wantUnpriced)
+		return stateOf(t, ps)["unpriced_reqs"].(float64)
+	}
+
+	free := map[string]interface{}{"id": "p", "default": "free", "rules": []interface{}{tokenRule}}
+	if got := run(t, free); got != 0 {
+		t.Errorf("default=free: unpriced_reqs = %v, want 0（刻意免费，不该计入债务）", got)
+	}
+	for _, def := range []interface{}{"unpriced", nil} {
+		profile := map[string]interface{}{"id": "p", "rules": []interface{}{tokenRule}}
+		if def != nil {
+			profile["default"] = def
+		}
+		if got := run(t, profile); got != 1 {
+			t.Errorf("default=%v: unpriced_reqs = %v, want 1（未匹配源必须可见）", def, got)
 		}
-		// 无论哪种模式，成本都是 0；区别只在"是否算未定价债务"。
-		approx(t, "default_mode="+tc.mode+" cost",
-			st["total"].(map[string]interface{})["cost"].(float64), 0)
 	}
 }
diff --git a/internal/lua/plugins/billing.lua b/internal/lua/plugins/billing.lua
index 4584605..11dcc3b 100644
--- a/internal/lua/plugins/billing.lua
+++ b/internal/lua/plugins/billing.lua
@@ -72,6 +72,228 @@ local DEFAULT_PRICES = {
 }
 plugin.prices = DEFAULT_PRICES
 
+-- ===== 规则 → 价格表编译（Lua 侧，内核只给数据） ======================
+--
+-- 为什么编译在插件里（GitCode issue #1 的建议方向）：
+--   内核只负责把 config.yaml 解成结构体（YAML 解析 + schema 校验），并把
+--   profile 与源的 base_url 作为**数据**通过 plugin.compile_prices 传进插件；
+--   "规则如何变成价目表"（free/subscription/unpriced/token、URL 归一匹配、
+--   首条命中优先、token 价的 per-million → per-token、peak 窗口、
+--   long_context 边际价、reasoning 可选价、未匹配规则/源）全部在这里。
+--
+--   这样内核不需要认识任何计费语义，也不会再出现"两处各写一半、组合起来
+--   静默归零"——issue #1 的真因正是 compile.go 与 priceFor() 各有一套覆盖语义。
+--
+-- 返回形态（供内核 SetState 注入 plugin.prices）：
+--   { prices = <价目表>, unmatched_rules = {...}, unmatched_sources = {...} }
+-- 硬错误用 `return nil, "原因"`，内核据此拒绝保存/记录 ERROR。
+local function normalizeURL(u)
+  u = tostring(u or ""):gsub("^%s+", ""):gsub("%s+$", "")
+  u = u:gsub("/+$", "")
+  return u:lower()
+end
+
+local function matchSources(pattern, sources)
+  local out = {}
+  if pattern == "*" then
+    for _, s in ipairs(sources or {}) do out[#out + 1] = s.name end
+    return out
+  end
+  local want = normalizeURL(pattern)
+  for _, s in ipairs(sources or {}) do
+    if normalizeURL(s.base_url) == want then out[#out + 1] = s.name end
+  end
+  return out
+end
+
+-- USD per million → USD per token. 与内核校验用的是同一口径（/1e6），
+-- 数值范围与 Go 的 ParseFloatUSDPerM 一致（不允许负数/非数字）。
+local function usdPerM(v)
+  local s = tostring(v == nil and "" or v)
+  s = s:gsub("^%s+", ""):gsub("%s+$", "")
+  local n = tonumber(s)
+  if n == nil then return nil, "not a number: \"" .. tostring(v) .. "\"" end
+  if n < 0 then return nil, "negative price: \"" .. tostring(v) .. "\"" end
+  return n / 1e6, nil
+end
+
+-- peak 窗口的**唯一**合法形状：{ multiplier, windows = { { days, hours } } }。
+-- 早期部署过的 {start,end,weekdays} 没有任何读取方（peak 静默按非高峰计价）。
+local function compilePeak(pk)
+  local win = {}
+  if type(pk.weekdays) == "table" and #pk.weekdays > 0 then
+    local days = {}
+    for i, d in ipairs(pk.weekdays) do days[i] = d end
+    win.days = days
+  end
+  if type(pk.hours) == "table" and #pk.hours > 0 then
+    local hours = {}
+    for i, h in ipairs(pk.hours) do hours[i] = { h[1], h[2] } end
+    win.hours = hours
+  end
+  local out = { multiplier = tonumber(pk.multiplier) or 1 }
+  if next(win) ~= nil then out.windows = { win } end
+  return out
+end
+
+-- long_context 的边际价：绝对值（USD/M 字符串）优先，其次倍数 × 基础价。
+-- 两者都缺 ⇒ 报错（一个"没有价格的阶梯"是静默 no-op，写它的人一定有意图）。
+local function longContextRate(lc, basePerToken)
+  local prompt = tostring(lc.prompt == nil and "" or lc.prompt)
+  prompt = prompt:gsub("^%s+", ""):gsub("%s+$", "")
+  local mult = tonumber(lc.multiplier) or 0
+  if prompt ~= "" then
+    local v, err = usdPerM(prompt)
+    if not v then return nil, err end
+    return v, nil
+  end
+  if mult > 0 then return basePerToken * mult, nil end
+  return nil, "needs either prompt or multiplier"
+end
+
+local function applyRule(prices, rule, srcName)
+  local mode = rule.mode
+  if mode == "free" or mode == "subscription" then
+    -- 显式零价：这里 0 本身就是语义（不是"未定价"）。
+    prices.sources[srcName] = { prompt = 0, completion = 0, per_request = 0 }
+    if mode == "subscription" then
+      if prices.subscriptions == nil then prices.subscriptions = {} end
+      local cur = tostring(rule.currency == nil and "" or rule.currency)
+      if cur == "" then cur = "USD" end
+      prices.subscriptions[srcName] = {
+        monthly = tonumber(rule.subscription) or 0, currency = cur,
+      }
+    end
+    return true
+  end
+  if mode == "unpriced" then
+    -- 刻意不写源条目：让 unpriced_reqs/unpriced_models 抓住它。
+    return true
+  end
+  if mode == "token" then
+    if type(rule.models) ~= "table" or next(rule.models) == nil then
+      return nil, string.format("rule for url %q: mode token requires at least one model",
+        tostring(rule.url))
+    end
+    for modelID, t in pairs(rule.models) do
+      local prompt, perr = usdPerM(t.prompt)
+      if not prompt then return nil, string.format("model %q prompt: %s", tostring(modelID), perr) end
+      local completion, cerr = usdPerM(t.completion)
+      if not completion then return nil, string.format("model %q completion: %s", tostring(modelID), cerr) end
+      local entry = { prompt = prompt, completion = completion }
+      if t.cache_discount ~= nil then entry.cache_discount = tonumber(t.cache_discount) end
+      -- reasoning 可选，且**缺席**而非 0：写 0 等于"思考免费"，会静默少报
+      -- 每一个把 reasoning 按输出计价的 provider。
+      local reasoning = tostring(t.reasoning == nil and "" or t.reasoning)
+      reasoning = reasoning:gsub("^%s+", ""):gsub("%s+$", "")
+      if reasoning ~= "" then
+        local rp, rerr = usdPerM(reasoning)
+        if not rp then return nil, string.format("model %q reasoning: %s", tostring(modelID), rerr) end
+        entry.reasoning_price = rp
+      end
+      if type(t.long_context) == "table" then
+        local above = tonumber(t.long_context.above) or 0
+        if above <= 0 then
+          return nil, string.format("model %q long_context: above must be > 0", tostring(modelID))
+        end
+        local rate, lerr = longContextRate(t.long_context, prompt)
+        if not rate then
+          return nil, string.format("model %q long_context: %s", tostring(modelID), lerr)
+        end
+        entry.long_context = { above = above, prompt = rate }
+      end
+      if type(rule.peak) == "table" then entry.peak = compilePeak(rule.peak) end
+      prices.models[modelID] = entry
+    end
+    -- ★ token 规则**不写任何源条目**（模型维度只发布模型价）。
+    --
+    -- 此前写 `{per_request:0}` 或 `{prompt:0,completion:0}` 都是为了"标记该源
+    -- 已定价"，但 priceFor() 让源层**无条件覆盖**模型层的 prompt/completion：
+    --   * `{prompt:0,completion:0}` ⇒ 规则刚发布的模型价被清零（issue #1 本体）；
+    --   * 只写 `{per_request:0}` ⇒ 模型价没被清零，但同源上**未列入 rule.Models**
+    --     的模型仍被评为"已定价"、静默计 0，unpriced 计数依旧不涨。
+    -- 第二条仍然是"静默少报"，只是窄一点。所以统一收口：token 规则不产生源条目，
+    -- 未列价的模型落到 unpriced 统计里（可见）。真正"边际成本为零"用
+    -- mode=free / mode=subscription —— 它们写的是有意为之的零价标记。
+    return true
+  end
+  return nil, string.format("unknown mode %q", tostring(mode))
+end
+
+local function compilePrices(profile, sources, lenient)
+  if type(profile) ~= "table" then return nil, "no billing profile" end
+  sources = sources or {}
+  local prices = {
+    currency = "USD",
+    default = { prompt = 0, completion = 0, per_request = 0 },
+    sources = {}, models = {}, keys = {},
+  }
+  local rules = type(profile.rules) == "table" and profile.rules or {}
+  -- currency 是 profile 级声明：第一条带 currency 的规则生效。
+  for i = 1, #rules do
+    local c = rules[i].currency
+    if type(c) == "string" and c ~= "" then prices.currency = c break end
+  end
+  local matched = {}
+  local unmatched_rules = {}
+  for i = 1, #rules do
+    local rule = rules[i]
+    local url = tostring(rule.url == nil and "" or rule.url)
+    local targets = matchSources(url, sources)
+    if #targets == 0 and url ~= "*" then
+      if lenient then
+        unmatched_rules[#unmatched_rules + 1] = url
+      else
+        return nil, string.format("rule url %q matches no configured source base_url", url)
+      end
+    else
+      for _, srcName in ipairs(targets) do
+        -- 首条命中优先：两条规则匹配同一个源是歧义，后面的不能悄悄覆盖前面的。
+        if not matched[srcName] then
+          matched[srcName] = true
+          local ok, err = applyRule(prices, rule, srcName)
+          if not ok then return nil, err end
+        end
+      end
+    end
+  end
+  -- profile 的 default 策略：只影响**没有规则命中**的源。
+  --
+  -- `free` = 运营声明"其余源一律免费" ⇒ 必须被识别为已定价，否则它们会一直计入
+  -- unpriced，告警变成噪音；标记用 `{per_request:0}`（只标记、不碰 token 价，
+  -- 否则任何通配符价目表都会被它清零，等于同一个 bug 换个入口复现）。
+  -- `unpriced`（或缺省）= 不写条目，让插件的 unpriced 计数看得见它们。
+  --
+  -- 这个策略以前只被校验、却被写进一个没人读的 `default_mode` 键 ⇒
+  -- `default: free` 与 `default: unpriced` 运行时完全等价。
+  if profile.default == "free" then
+    for _, src in ipairs(sources) do
+      if not matched[src.name] and prices.sources[src.name] == nil then
+        prices.sources[src.name] = { per_request = 0 }
+      end
+    end
+  end
+  local unmatched_sources = {}
+  for _, src in ipairs(sources) do
+    if not matched[src.name] then unmatched_sources[#unmatched_sources + 1] = src.name end
+  end
+  return { prices = prices, unmatched_rules = unmatched_rules, unmatched_sources = unmatched_sources }
+end
+
+-- 内核入口：profile 与源的 base_url 都是**数据**，插件不认识 config.yaml。
+plugin.compile_prices = function(args)
+  args = args or {}
+  local out, err = compilePrices(args.profile, args.sources, args.lenient and true or false)
+  -- 错误用**表里的 error 字段**回传，而不是第二个返回值：内核桥的
+  -- `Call` 只把第一个返回值解码成数据（第二个返回值的错误通道在插件导出上
+  -- 并不可靠），用 {error=...} 是本仓库其它插件导出一致的约定。
+  if not out then return { error = tostring(err) } end
+  return out
+end
+
+plugin.exports = plugin.exports or {}
+plugin.exports[#plugin.exports + 1] = "compile_prices"
+
 -- Default prompt-cache discount. 0.1 = a cache read costs a tenth of a fresh
 -- token, which is what DeepSeek/Qwen/Kimi and most others charge. It can be
 -- overridden per price entry (prices.models.<m>.cache_discount) or globally by
@@ -241,17 +463,6 @@ local function priceFor(payload)
     if kp.peak ~= nil then out.peak = kp.peak end
   end
 
-  -- profile-level default for sources no rule matched.
-  --
-  -- compile.go has always written `default_mode` ("free" | "unpriced") into the
-  -- prices table, but NOTHING read it — so `default: free` and
-  -- `default: unpriced` behaved identically at runtime (both fell through to
-  -- prices.default's zeros and counted as unpriced debt). That is a second
-  -- silent under-report (GitCode issue #1 follow-up). "free" is a DELIBERATE
-  -- zero, so it must be marked priced; anything else stays countable debt.
-  if not out.priced and p.default_mode == "free" then
-    out.priced = true
-  end
   return out
 end