diff --git a/backend/internal/config/config.go b/backend/internal/config/config.go
index 276d76b9..17f45b74 100644
--- a/backend/internal/config/config.go
+++ b/backend/internal/config/config.go
@@ -810,6 +810,10 @@ type GatewaySchedulingConfig struct {
 	// 全量重建周期配置
 	// 全量重建周期（秒），0 表示禁用
 	FullRebuildIntervalSeconds int `mapstructure:"full_rebuild_interval_seconds"`
+
+	// EnableTierFallbackChain: 启用跨档降级链（订阅 → API Key → Bedrock），默认 false
+	// 仅对 Anthropic 平台生效；启用后账号按类型分层，优先使用订阅账号，依次降级。
+	EnableTierFallbackChain bool `mapstructure:"enable_tier_fallback_chain"`
 }
 
 func (s *ServerConfig) Address() string {
diff --git a/backend/internal/service/gateway_record_usage_test.go b/backend/internal/service/gateway_record_usage_test.go
index 48488dc8..5df0b58c 100644
--- a/backend/internal/service/gateway_record_usage_test.go
+++ b/backend/internal/service/gateway_record_usage_test.go
@@ -41,6 +41,7 @@ func newGatewayRecordUsageServiceForTest(usageRepo UsageLogRepository, userRepo
 		nil,
 		nil,
 		nil,
+		nil,
 	)
 }
 
diff --git a/backend/internal/service/gateway_service.go b/backend/internal/service/gateway_service.go
index 23a7ccbc..7e238850 100644
--- a/backend/internal/service/gateway_service.go
+++ b/backend/internal/service/gateway_service.go
@@ -1192,6 +1192,9 @@ func (s *GatewayService) SelectAccountForModelWithExclusions(ctx context.Context
 	// anthropic/gemini 分组支持混合调度（包含启用了 mixed_scheduling 的 antigravity 账户）
 	// 注意：强制平台模式不走混合调度
 	if (platform == PlatformAnthropic || platform == PlatformGemini) && !hasForcePlatform {
+		if platform == PlatformAnthropic && s.enableTierFallbackChain() {
+			return s.selectAccountWithTierFallback(ctx, groupID, sessionHash, requestedModel, excludedIDs)
+		}
 		return s.selectAccountWithMixedScheduling(ctx, groupID, sessionHash, requestedModel, excludedIDs, platform)
 	}
 
diff --git a/backend/internal/service/gateway_tier_fallback.go b/backend/internal/service/gateway_tier_fallback.go
new file mode 100644
index 00000000..35e7af36
--- /dev/null
+++ b/backend/internal/service/gateway_tier_fallback.go
@@ -0,0 +1,133 @@
+package service
+
+import (
+	"context"
+	"errors"
+)
+
+// accountTierLevel maps an account type to a scheduling tier:
+//
+//	0 = subscription (OAuth / SetupToken)  — tried first
+//	1 = API Key                            — first fallback
+//	2 = Bedrock                            — last resort
+//
+// Accounts with an unknown type fall into tier 0 so they participate in the
+// primary selection and do not vanish silently.
+func accountTierLevel(account *Account) int {
+	if account == nil {
+		return 0
+	}
+	switch account.Type {
+	case AccountTypeAPIKey:
+		return 1
+	case AccountTypeBedrock:
+		return 2
+	default: // OAuth, SetupToken, or unknown
+		return 0
+	}
+}
+
+// enableTierFallbackChain reports whether the cross-tier fallback chain is
+// enabled in config (default false).
+func (s *GatewayService) enableTierFallbackChain() bool {
+	return s != nil && s.cfg != nil && s.cfg.Gateway.Scheduling.EnableTierFallbackChain
+}
+
+// selectAccountWithTierFallback tries Anthropic accounts in tier order:
+// tier 0 (OAuth/SetupToken subscription) → tier 1 (API Key) → tier 2 (Bedrock).
+//
+// Sticky sessions are honored within the chain: if the session-bound account is
+// in a tier that still has capacity it is returned immediately; otherwise the
+// session binding is cleared and the chain proceeds from tier 0.
+func (s *GatewayService) selectAccountWithTierFallback(
+	ctx context.Context,
+	groupID *int64,
+	sessionHash string,
+	requestedModel string,
+	excludedIDs map[int64]struct{},
+) (*Account, error) {
+	accounts, _, err := s.listSchedulableAccounts(ctx, groupID, PlatformAnthropic, false)
+	if err != nil {
+		return nil, err
+	}
+
+	ctx = s.withWindowCostPrefetch(ctx, accounts)
+	ctx = s.withRPMPrefetch(ctx, accounts)
+
+	// Build per-tier candidate lists (pointers into `accounts`).
+	const numTiers = 3
+	tierCandidates := [numTiers][]*Account{}
+	for i := range accounts {
+		acc := &accounts[i]
+		if acc.Platform != PlatformAnthropic {
+			continue
+		}
+		if _, excluded := excludedIDs[acc.ID]; excluded {
+			continue
+		}
+		if !s.isAccountSchedulableForSelection(acc) {
+			continue
+		}
+		if requestedModel != "" && !s.isModelSupportedByAccountWithContext(ctx, acc, requestedModel) {
+			continue
+		}
+		if !s.isAccountSchedulableForModelSelection(ctx, acc, requestedModel) {
+			continue
+		}
+		if !s.isAccountSchedulableForQuota(acc) {
+			continue
+		}
+		if !s.isAccountSchedulableForWindowCost(ctx, acc, false) {
+			continue
+		}
+		if !s.isAccountSchedulableForRPM(ctx, acc, false) {
+			continue
+		}
+		tier := accountTierLevel(acc)
+		if tier < numTiers {
+			tierCandidates[tier] = append(tierCandidates[tier], acc)
+		}
+	}
+
+	cfg := s.schedulingConfig()
+	selectionMode := cfg.FallbackSelectionMode
+
+	// Check sticky session: if the bound account is a valid candidate, use it.
+	if sessionHash != "" && s.cache != nil {
+		accountID, cacheErr := s.cache.GetSessionAccountID(ctx, derefGroupID(groupID), sessionHash)
+		if cacheErr == nil && accountID > 0 {
+			if _, excluded := excludedIDs[accountID]; !excluded {
+				for tier := 0; tier < numTiers; tier++ {
+					for _, acc := range tierCandidates[tier] {
+						if acc.ID != accountID {
+							continue
+						}
+						if shouldClearStickySession(acc, requestedModel) {
+							_ = s.cache.DeleteSessionAccountID(ctx, derefGroupID(groupID), sessionHash)
+							break
+						}
+						if s.isAccountSchedulableForWindowCost(ctx, acc, true) &&
+							s.isAccountSchedulableForRPM(ctx, acc, true) {
+							return acc, nil
+						}
+					}
+				}
+			}
+		}
+	}
+
+	// Try each tier in order.
+	for tier := 0; tier < numTiers; tier++ {
+		candidates := tierCandidates[tier]
+		if len(candidates) == 0 {
+			continue
+		}
+		s.sortCandidatesForFallback(candidates, false, selectionMode)
+		result, acquired := s.tryAcquireByLegacyOrder(ctx, candidates, groupID, sessionHash, false)
+		if acquired && result != nil {
+			return result.Account, nil
+		}
+	}
+
+	return nil, errors.New("no available accounts in any tier")
+}
diff --git a/backend/internal/service/gateway_tier_fallback_test.go b/backend/internal/service/gateway_tier_fallback_test.go
new file mode 100644
index 00000000..50a0ba9b
--- /dev/null
+++ b/backend/internal/service/gateway_tier_fallback_test.go
@@ -0,0 +1,138 @@
+//go:build unit
+
+package service
+
+import (
+	"context"
+	"testing"
+	"time"
+
+	"github.com/Wei-Shaw/sub2api/internal/config"
+	"github.com/stretchr/testify/require"
+)
+
+func TestAccountTierLevel(t *testing.T) {
+	require.Equal(t, 0, accountTierLevel(nil))
+	require.Equal(t, 0, accountTierLevel(&Account{Type: AccountTypeOAuth}))
+	require.Equal(t, 0, accountTierLevel(&Account{Type: AccountTypeSetupToken}))
+	require.Equal(t, 0, accountTierLevel(&Account{Type: "unknown"}))
+	require.Equal(t, 1, accountTierLevel(&Account{Type: AccountTypeAPIKey}))
+	require.Equal(t, 2, accountTierLevel(&Account{Type: AccountTypeBedrock}))
+}
+
+func TestGatewayService_EnableTierFallbackChain(t *testing.T) {
+	require.False(t, (*GatewayService)(nil).enableTierFallbackChain())
+	require.False(t, (&GatewayService{}).enableTierFallbackChain())
+
+	cfgOff := &config.Config{}
+	cfgOff.Gateway.Scheduling.EnableTierFallbackChain = false
+	require.False(t, (&GatewayService{cfg: cfgOff}).enableTierFallbackChain())
+
+	cfgOn := &config.Config{}
+	cfgOn.Gateway.Scheduling.EnableTierFallbackChain = true
+	require.True(t, (&GatewayService{cfg: cfgOn}).enableTierFallbackChain())
+}
+
+// TestGatewayService_SelectAccountWithTierFallback_PrefersSubscription verifies
+// that when both OAuth (subscription) and APIKey accounts are available, the
+// tier-0 OAuth account is always selected first even if APIKey has higher priority.
+func TestGatewayService_SelectAccountWithTierFallback_PrefersSubscription(t *testing.T) {
+	ctx := context.Background()
+
+	oauthAcc := Account{ID: 91001, Platform: PlatformAnthropic, Type: AccountTypeOAuth, Status: StatusActive, Schedulable: true, Priority: 5}
+	apiKeyAcc := Account{ID: 91002, Platform: PlatformAnthropic, Type: AccountTypeAPIKey, Status: StatusActive, Schedulable: true, Priority: 0}
+
+	repo := &mockAccountRepoForPlatform{
+		accounts:     []Account{oauthAcc, apiKeyAcc},
+		accountsByID: map[int64]*Account{91001: &oauthAcc, 91002: &apiKeyAcc},
+	}
+	cache := &mockGatewayCacheForPlatform{}
+	svc := &GatewayService{accountRepo: repo, cache: cache, cfg: testConfig()}
+
+	acc, err := svc.selectAccountWithTierFallback(ctx, nil, "", "", nil)
+	require.NoError(t, err)
+	require.NotNil(t, acc)
+	require.Equal(t, int64(91001), acc.ID, "OAuth (tier-0) account should be preferred over APIKey (tier-1)")
+}
+
+// TestGatewayService_SelectAccountWithTierFallback_FallsBackToAPIKey verifies
+// that when the subscription tier has no schedulable accounts, the fallback
+// selects an API Key account.
+func TestGatewayService_SelectAccountWithTierFallback_FallsBackToAPIKey(t *testing.T) {
+	ctx := context.Background()
+
+	rateLimitedUntil := time.Now().Add(30 * time.Minute)
+	oauthAcc := Account{ID: 92001, Platform: PlatformAnthropic, Type: AccountTypeOAuth, Status: StatusActive, Schedulable: true, RateLimitResetAt: &rateLimitedUntil}
+	apiKeyAcc := Account{ID: 92002, Platform: PlatformAnthropic, Type: AccountTypeAPIKey, Status: StatusActive, Schedulable: true}
+
+	repo := &mockAccountRepoForPlatform{
+		accounts:     []Account{oauthAcc, apiKeyAcc},
+		accountsByID: map[int64]*Account{92001: &oauthAcc, 92002: &apiKeyAcc},
+	}
+	cache := &mockGatewayCacheForPlatform{}
+	svc := &GatewayService{accountRepo: repo, cache: cache, cfg: testConfig()}
+
+	acc, err := svc.selectAccountWithTierFallback(ctx, nil, "", "", nil)
+	require.NoError(t, err)
+	require.NotNil(t, acc)
+	require.Equal(t, int64(92002), acc.ID, "Should fall back to APIKey when OAuth is rate-limited")
+}
+
+// TestGatewayService_SelectAccountWithTierFallback_ExcludesAccounts ensures
+// excluded IDs are respected across all tiers.
+func TestGatewayService_SelectAccountWithTierFallback_ExcludesAccounts(t *testing.T) {
+	ctx := context.Background()
+
+	oauthAcc := Account{ID: 93001, Platform: PlatformAnthropic, Type: AccountTypeOAuth, Status: StatusActive, Schedulable: true}
+	apiKeyAcc := Account{ID: 93002, Platform: PlatformAnthropic, Type: AccountTypeAPIKey, Status: StatusActive, Schedulable: true}
+
+	repo := &mockAccountRepoForPlatform{
+		accounts:     []Account{oauthAcc, apiKeyAcc},
+		accountsByID: map[int64]*Account{93001: &oauthAcc, 93002: &apiKeyAcc},
+	}
+	cache := &mockGatewayCacheForPlatform{}
+	svc := &GatewayService{accountRepo: repo, cache: cache, cfg: testConfig()}
+
+	excluded := map[int64]struct{}{93001: {}}
+	acc, err := svc.selectAccountWithTierFallback(ctx, nil, "", "", excluded)
+	require.NoError(t, err)
+	require.NotNil(t, acc)
+	require.Equal(t, int64(93002), acc.ID, "Excluded OAuth account should cause APIKey fallback")
+}
+
+// TestGatewayService_SelectAccountWithTierFallback_NoAccounts verifies that
+// an error is returned when all tiers are empty.
+func TestGatewayService_SelectAccountWithTierFallback_NoAccounts(t *testing.T) {
+	ctx := context.Background()
+
+	repo := &mockAccountRepoForPlatform{accounts: nil, accountsByID: map[int64]*Account{}}
+	cache := &mockGatewayCacheForPlatform{}
+	svc := &GatewayService{accountRepo: repo, cache: cache, cfg: testConfig()}
+
+	acc, err := svc.selectAccountWithTierFallback(ctx, nil, "", "", nil)
+	require.Error(t, err)
+	require.Nil(t, acc)
+}
+
+// TestGatewayService_SelectAccountWithTierFallback_BedrockLastResort verifies
+// that Bedrock accounts are only used when subscription and API Key tiers are exhausted.
+func TestGatewayService_SelectAccountWithTierFallback_BedrockLastResort(t *testing.T) {
+	ctx := context.Background()
+
+	rateLimitedUntil := time.Now().Add(30 * time.Minute)
+	oauthAcc := Account{ID: 94001, Platform: PlatformAnthropic, Type: AccountTypeOAuth, Status: StatusActive, Schedulable: true, RateLimitResetAt: &rateLimitedUntil}
+	apiKeyAcc := Account{ID: 94002, Platform: PlatformAnthropic, Type: AccountTypeAPIKey, Status: StatusActive, Schedulable: true, RateLimitResetAt: &rateLimitedUntil}
+	bedrockAcc := Account{ID: 94003, Platform: PlatformAnthropic, Type: AccountTypeBedrock, Status: StatusActive, Schedulable: true}
+
+	repo := &mockAccountRepoForPlatform{
+		accounts:     []Account{oauthAcc, apiKeyAcc, bedrockAcc},
+		accountsByID: map[int64]*Account{94001: &oauthAcc, 94002: &apiKeyAcc, 94003: &bedrockAcc},
+	}
+	cache := &mockGatewayCacheForPlatform{}
+	svc := &GatewayService{accountRepo: repo, cache: cache, cfg: testConfig()}
+
+	acc, err := svc.selectAccountWithTierFallback(ctx, nil, "", "", nil)
+	require.NoError(t, err)
+	require.NotNil(t, acc)
+	require.Equal(t, int64(94003), acc.ID, "Bedrock should be selected as last resort")
+}