diff --git a/apps/web/src/app/propose/page.tsx b/apps/web/src/app/propose/page.tsx
index 51890b2..fc908f4 100644
--- a/apps/web/src/app/propose/page.tsx
+++ b/apps/web/src/app/propose/page.tsx
@@ -85,7 +85,13 @@ export default async function ProposePage({ searchParams }: { searchParams?: Sea
   const growthKit = referralAgent
     ? buildAgentGrowthKit({ agentId: referralAgent, campaign, source })
     : null;
+  const stripePaymentAvailable = Boolean(process.env.STRIPE_SECRET_KEY);
   const walletPaymentAvailable = Boolean(TREASURY_USDC_ADDRESS);
+  const preferredPaymentMethod = stripePaymentAvailable ? "stripe" : "wallet";
+  const quickPaymentLabel = stripePaymentAvailable
+    ? `${quickPackage.label} 立即刷卡付款`
+    : `快速取得 ${quickPackage.label} USDC 付款指示`;
+  const quickPaymentButton = stripePaymentAvailable ? "前往安全刷卡付款" : "直接進入錢包付款";
 
   if (referralAgent) {
     const requestHeaders = await headers();
@@ -175,18 +181,23 @@ export default async function ProposePage({ searchParams }: { searchParams?: Sea
             <input type="hidden" name="source" value={source} />
             <input type="hidden" name="quickMode" value="paid_scout" />
             <input type="hidden" name="packageId" value={quickPackage.id} />
-            <input type="hidden" name="paymentMethod" value="wallet" />
+            <input type="hidden" name="paymentMethod" value={preferredPaymentMethod} />
             <input type="hidden" name="budgetUsd" value={prefill.budgetUsd} />
             <input type="hidden" name="title" value="Paid scout intake request" />
             <input
               type="hidden"
               name="description"
-              value="Email-only paid scout intake. Scope details are pending follow-up after USDC payment instructions are issued."
+              value="Email-only paid scout intake. Scope details are pending follow-up after payment is started."
             />
 
             <div className="flex flex-col gap-4 md:flex-row md:items-end">
               <div className="flex-1">
-                <p className="text-sm font-semibold text-emerald-50">快速取得 {quickPackage.label} USDC 付款指示</p>
+                <p className="text-sm font-semibold text-emerald-50">{quickPaymentLabel}</p>
+                <p className="mt-1 text-xs leading-5 text-emerald-100/80">
+                  {stripePaymentAvailable
+                    ? "最短路徑：留下 email 後直接進入 Stripe checkout。"
+                    : "目前正式環境未啟用 Stripe，先使用 Base USDC wallet checkout。"}
+                </p>
                 <label className="mt-3 grid gap-2 text-sm font-medium text-emerald-50">
                   Email
                   <input
@@ -204,7 +215,7 @@ export default async function ProposePage({ searchParams }: { searchParams?: Sea
                 type="submit"
                 className="inline-flex h-11 items-center justify-center gap-2 rounded-md bg-emerald-300 px-5 text-sm font-semibold text-zinc-950 transition hover:bg-emerald-200"
               >
-                直接進入錢包付款
+                {quickPaymentButton}
                 <ArrowRight className="h-4 w-4" />
               </button>
             </div>
@@ -247,7 +258,7 @@ export default async function ProposePage({ searchParams }: { searchParams?: Sea
               <legend className="mb-3 text-sm font-semibold text-zinc-100">2. 付款方式</legend>
               <div className="grid gap-3 md:grid-cols-2">
                 <label className="flex cursor-pointer items-center gap-3 rounded-md border border-zinc-700 bg-zinc-950 p-4 hover:border-emerald-400">
-                  <input type="radio" name="paymentMethod" value="wallet" defaultChecked={walletPaymentAvailable} className="h-4 w-4 accent-emerald-400" />
+                  <input type="radio" name="paymentMethod" value="wallet" defaultChecked={!stripePaymentAvailable && walletPaymentAvailable} className="h-4 w-4 accent-emerald-400" />
                   <Wallet className="h-5 w-5 text-emerald-300" />
                   <span>
                     <span className="block text-sm font-medium text-white">USDC 錢包，直接入 Treasury</span>
@@ -255,11 +266,13 @@ export default async function ProposePage({ searchParams }: { searchParams?: Sea
                   </span>
                 </label>
                 <label className="flex cursor-pointer items-center gap-3 rounded-md border border-zinc-700 bg-zinc-950 p-4 hover:border-emerald-400">
-                  <input type="radio" name="paymentMethod" value="stripe" defaultChecked={!walletPaymentAvailable} className="h-4 w-4 accent-emerald-400" />
+                  <input type="radio" name="paymentMethod" value="stripe" defaultChecked={stripePaymentAvailable || !walletPaymentAvailable} className="h-4 w-4 accent-emerald-400" />
                   <CreditCard className="h-5 w-5 text-emerald-300" />
                   <span>
-                    <span className="block text-sm font-medium text-white">信用卡</span>
-                    <span className="mt-1 block text-xs text-zinc-400">Stripe 收款後再入帳</span>
+                    <span className="block text-sm font-medium text-white">信用卡 / Stripe</span>
+                    <span className="mt-1 block text-xs text-zinc-400">
+                      {stripePaymentAvailable ? "最快完成付款與 webhook 入帳" : "正式環境尚未啟用 Stripe key"}
+                    </span>
                   </span>
                 </label>
               </div>
@@ -376,7 +389,7 @@ export default async function ProposePage({ searchParams }: { searchParams?: Sea
               type="submit"
               className="mt-6 inline-flex h-12 w-full items-center justify-center gap-2 rounded-md bg-sky-400 px-5 text-sm font-semibold text-zinc-950 transition hover:bg-sky-300 md:w-auto"
             >
-              取得付款指示
+              {stripePaymentAvailable ? "前往付款" : "取得 USDC 付款指示"}
               <ArrowRight className="h-4 w-4" />
             </button>
           </form>
diff --git a/docker-compose.yml b/docker-compose.yml
index 165855a..e84e6f1 100644
--- a/docker-compose.yml
+++ b/docker-compose.yml
@@ -60,8 +60,14 @@ services:
       - NEXT_PUBLIC_VIBEWORK_SITE_URL=${NEXT_PUBLIC_VIBEWORK_SITE_URL:-https://vibework.wooo.work}
       - NEXT_PUBLIC_ASSET_PREFIX=${NEXT_PUBLIC_ASSET_PREFIX:-https://agent.wooo.work}
       - AGENT_GATEWAY_URL=${AGENT_GATEWAY_URL:-https://agent.wooo.work}
+      - STRIPE_SECRET_KEY=${STRIPE_SECRET_KEY:-}
+      - STRIPE_WEBHOOK_SECRET=${STRIPE_WEBHOOK_SECRET:-}
       - VIBEWORK_TREASURY_USDC_ADDRESS=${VIBEWORK_TREASURY_USDC_ADDRESS:-}
       - VIBEWORK_TREASURY_WALLET_LABEL=${VIBEWORK_TREASURY_WALLET_LABEL:-USDC Treasury}
+      - VIBEWORK_TREASURY_USDC_NETWORK=${VIBEWORK_TREASURY_USDC_NETWORK:-Base USDC (native)}
+      - VIBEWORK_TREASURY_USDC_CHAIN_ID=${VIBEWORK_TREASURY_USDC_CHAIN_ID:-8453}
+      - VIBEWORK_TREASURY_USDC_TOKEN_ADDRESS=${VIBEWORK_TREASURY_USDC_TOKEN_ADDRESS:-0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913}
+      - VIBEWORK_TREASURY_USDC_RPC_URL=${VIBEWORK_TREASURY_USDC_RPC_URL:-https://mainnet.base.org}
       - A2A_GROWTH_ENABLE_OUTBOUND=${A2A_GROWTH_ENABLE_OUTBOUND:-false}
       - A2A_LEAD_GEN_DRY_RUN=${A2A_LEAD_GEN_DRY_RUN:-true}
       - A2A_LEAD_GEN_ENABLE_OUTBOUND=${A2A_LEAD_GEN_ENABLE_OUTBOUND:-false}