diff --git a/tests/test_core_tools.py b/tests/test_core_tools.py
index 6115588..f117b64 100644
--- a/tests/test_core_tools.py
+++ b/tests/test_core_tools.py
@@ -21,9 +21,16 @@ from decimal import Decimal
 import pytest
 from sqlalchemy import text
 
-from _ddl import create_sqlite_engine
+from _ddl import create_sqlite_engine, seed_suitability_matrix
 
+from app.gateway.convert_core_repository import ConvertCoreRepository
+from app.repository.convert_repository import ConvertRepository
+from app.repository.convert_request_repository import ConvertRequestRepository
 from app.repository.core_ro import CoreReadOnlyRepository
+from app.repository.risk_repository import RiskRepository
+from app.service.convert.confirm_service import confirm_one
+from app.service.convert.convert_service import accept_convert
+from app.service.risk.rules import RiskThresholds
 from app.tool.core_tools import query_holdings, query_recent_trades
 
 CUST = "CUST-T11"
@@ -105,3 +112,223 @@ def test_query_holdings_excludes_zero_qty(seed):
     # 合计不含归零行（PB 的 market_value 为 0，即使计入也不变；
     # 故断言**条数**才是真正能区分对错的判据）
     assert res["sum_market_value"] == 1200.0
+
+
+# ── T+1 确认段场景（v2.0 T-11 · 开发计划 R-回归 8 / R-回归 13 的补用例项）────────
+# 既有 3 条用例以直接插 SQL 的方式模拟 convert 流水，锁定**口径本身**；
+# 下面两条改走真实链路（accept_convert → confirm_one），锁定「确认事务真实落库
+# 之后」口径依然成立 —— T+1 模型下流水与持仓**只在确认段产生**，这是两条新用例
+# 相对既有用例的独立价值（不是重复覆盖）：
+#   ① 确认落两条同 gid 流水 → sum_amount 只计转出端一次（验收 11）
+#   ② 全转归零 → core_holding.qty=0 行保留（台账留痕）但不在持仓查询结果（F-12）
+
+PROD_T11_OUT = "PROD-T11-OUT"
+PROD_T11_IN = "PROD-T11-IN"
+COMPANY = "华夏模拟基金"
+TA = "TA-CN-001"
+
+T_DAY = _dt.date(2026, 9, 4)  # 受理日 T（周五）
+T1_DAY = _dt.date(2026, 9, 7)  # 确认业务日 T+1（下周一）
+SUBMIT_AT = _dt.datetime(2026, 9, 4, 10, 0)
+CONFIRM_AT = _dt.datetime(2026, 9, 7, 9, 0)
+
+OUT_NAV = Decimal("1.3604")
+IN_NAV = Decimal("1.9194")
+FEE_TIERS = [
+    (0, 7, "0.0150"), (7, 30, "0.0100"), (30, 180, "0.0050"),
+    (180, 365, "0.0025"), (365, None, "0.0000"),
+]
+# 全转 30000 份的折算锚点：转出金额 30000×1.3604 = 40812.00（费前，与 confirm 返回
+# out_amount 同源），持有期落 (30,180) 档 → 赎回费 40812.00×0.50% = 204.06 单列 redeem_fee。
+# core_trade 转出端流水 amount = 费前 40812.00（R-b 口径，与 PRD §5.3.2 示例 68020.00 同语义）。
+OUT_AMOUNT = Decimal("40812.00")
+REDEEM_FEE = Decimal("204.06")
+PLAIN_AMOUNT = Decimal("100000")
+
+
+@pytest.fixture()
+def t1_env():
+    """T+1 链路最小种子：C3 客户、转出 R2 债基（1 批 30000 份 + 持仓 30000）、转入 R4 股基。
+
+    两端同管理人同 TA（受理段硬约束）；批次 confirmed_at=2026-07-01 → 持有期落
+    (30,180) 档 0.50%，赎回费数值确定（见 OUT_AMOUNT 注释），断言可逐字节对账。
+    """
+    engine = create_sqlite_engine()
+    seed_suitability_matrix(engine)  # C×R 矩阵是 check_suitability 的 L0 权威，缺失即全量 forbidden
+    with engine.begin() as conn:
+        conn.execute(
+            text(
+                "INSERT INTO core_customer (customer_id, display_name, age, is_active)"
+                " VALUES (:c, 'T11客户', 40, 1)"
+            ),
+            {"c": CUST},
+        )
+        conn.execute(
+            text(
+                "INSERT INTO core_customer_risk (customer_id, risk_code, evaluated_at, expires_at)"
+                " VALUES (:c, 'C3', :t, :e)"  # C3 → 转入 R4 放行；有效期覆盖 T 与 T+1（D25 复核）
+            ),
+            {"c": CUST, "t": SUBMIT_AT - _dt.timedelta(days=30), "e": SUBMIT_AT + _dt.timedelta(days=300)},
+        )
+        conn.execute(
+            text(
+                "INSERT INTO core_product (product_id, product_name, min_risk_code, product_type,"
+                " can_subscribe, can_redeem, subscribe_fee_rate, min_redeem_qty, min_hold_qty,"
+                " fund_company, ta_code) VALUES"
+                " (:po, 'T11转出债基', 'R2', 'bond', 1, 1, 0.0030, 0, 0, :co, :ta),"
+                " (:pi, 'T11转入股基', 'R4', 'stock', 1, 1, 0.0080, 0, 0, :co, :ta)"
+            ),
+            {"po": PROD_T11_OUT, "pi": PROD_T11_IN, "co": COMPANY, "ta": TA},
+        )
+        for lo, hi, rate in FEE_TIERS:
+            conn.execute(
+                text(
+                    "INSERT INTO core_fee_rule (product_id, fee_type, min_hold_days,"
+                    " max_hold_days, rate) VALUES (:p, 'redeem', :a, :b, :r)"
+                ),
+                {"p": PROD_T11_OUT, "a": lo, "b": hi, "r": float(rate)},
+            )
+        conn.execute(
+            text(
+                "INSERT INTO core_product_nav (product_id, nav, daily_chg_pct, nav_date) VALUES"
+                " (:po, :no, 0, :d), (:pi, :ni, 0, :d)"
+            ),
+            {"po": PROD_T11_OUT, "no": float(OUT_NAV), "pi": PROD_T11_IN, "ni": float(IN_NAV), "d": T_DAY},
+        )
+        conn.execute(
+            text(
+                "INSERT INTO core_share_lot (lot_id, customer_id, product_id, qty, remain_qty,"
+                " nav, confirmed_at) VALUES (:l, :c, :p, 30000, 30000, 1.0300, :cat)"
+            ),
+            {"l": "LOT-T11-1", "c": CUST, "p": PROD_T11_OUT, "cat": _dt.datetime(2026, 7, 1, 10, 0, 0)},
+        )
+        conn.execute(
+            text(
+                "INSERT INTO core_holding (customer_id, product_id, qty, cost_amount,"
+                " market_value, pnl_pct, as_of) VALUES (:c, :p, 30000, 30000, 40812.0, 0, :d)"
+            ),
+            {"c": CUST, "p": PROD_T11_OUT, "d": T_DAY},
+        )
+        cursor = _dt.date(2026, 9, 1)
+        for _ in range(60):
+            if cursor.weekday() < 5:  # 周一~周五开市；周末不插行 = 休市
+                conn.execute(
+                    text("INSERT INTO core_trade_calendar (cal_date, is_open, remark) VALUES (:d, 1, 't')"),
+                    {"d": cursor},
+                )
+            cursor += _dt.timedelta(days=1)
+    yield engine
+    engine.dispose()
+
+
+def _t11_services(engine) -> dict:
+    return dict(
+        core_ro=CoreReadOnlyRepository(engine=engine),
+        risk_repo=RiskRepository(engine=engine),
+        convert_repo=ConvertRepository(engine=engine),
+        request_repo=ConvertRequestRepository(engine=engine),
+    )
+
+
+def _quiet_th() -> RiskThresholds:
+    """全阈值推到不可达：本组用例只关心 core_tools 查询口径，不让引擎出单添噪。"""
+    big = Decimal("999999999")
+    return RiskThresholds(
+        large_amount=big, daily_total=big, freq_count=999, probe_window_minutes=5,
+        probe_count=999, probe_amount=big, small_amount=Decimal("0.01"), small_count=999,
+        concentration_threshold=1.01,
+    )
+
+
+def _accept_full(engine) -> dict:
+    """受理**全转**（qty = 批次总量 30000）：确认后转出端持仓必然归零（F-12 场景）。"""
+    return accept_convert(
+        {
+            "customer_id": CUST,
+            "from_product_id": PROD_T11_OUT,
+            "to_product_id": PROD_T11_IN,
+            "qty": Decimal("30000"),
+            "client_request_id": "T11-REQ-1",
+        },
+        now=SUBMIT_AT,
+        **_t11_services(engine),
+    )
+
+
+def _confirm(engine, gid: str) -> dict:
+    return confirm_one(
+        gid,
+        now=CONFIRM_AT,
+        as_of=T1_DAY,
+        core_writer=ConvertCoreRepository(engine=engine),
+        thresholds=_quiet_th(),
+        **_t11_services(engine),
+    )
+
+
+def _t11_rows(engine, sql: str, **params) -> list[dict]:
+    with engine.connect() as conn:
+        return [dict(r) for r in conn.execute(text(sql), params).mappings()]
+
+
+def test_confirm_then_sum_amount_counts_once(t1_env):
+    """验收 11（确认段场景）：真实受理→确认落两条同 gid 流水后，sum_amount 只计转出端。"""
+    engine = t1_env
+    gid = _accept_full(engine)["convert_group_id"]
+    res = _confirm(engine, gid)
+    assert res["status"] == "confirmed"
+    assert res["out_amount"] == "40812.00"  # 折算锚点逐字节对账（30000×1.3604，费前）
+    assert res["redeem_fee"] == "204.06"  # 持有期落 (30,180) 档 0.50% 的证明
+
+    # 同一确认日再落一笔无组普通赎回（无 convert_group_id → 金额全额计入）
+    with engine.begin() as conn:
+        conn.execute(
+            text(
+                "INSERT INTO core_trade (trade_id, customer_id, product_id, trade_type, amount,"
+                " qty, convert_group_id, trade_status, traded_at) VALUES"
+                " ('TRD-T11-PLAIN', :cid, :pid, 'redeem', 100000.0, 80.0, NULL, 'confirmed', :t)"
+            ),
+            {"cid": CUST, "pid": PROD_T11_OUT, "t": CONFIRM_AT},
+        )
+
+    repo = CoreReadOnlyRepository(engine=engine)
+    out = query_recent_trades(CUST, days=30, core_ro=repo)
+
+    # 明细全量：convert 两条（redeem+subscribe）+ 普通赎回 1 条 —— 一次转换两条是真实的
+    assert out["total_count"] == 3
+    assert sorted(r["trade_type"] for r in out["items"]) == ["redeem", "redeem", "subscribe"]
+
+    # 汇总只计转出端：40812.00 + 100000 = 140812.00；
+    # 转入端 in_amount 若被计入即翻倍（差额恰为一条转入流水）—— 用具体值才区分得开
+    assert Decimal(str(out["sum_amount"])) == OUT_AMOUNT + PLAIN_AMOUNT
+
+    # 跨口径一致性（T+1 确认场景）：SQL 侧同日累计与 Tool 汇总一致（流水 traded_at = T+1）
+    assert repo.sum_trades_on_date(CUST, T1_DAY) == OUT_AMOUNT + PLAIN_AMOUNT
+
+
+def test_confirm_full_transfer_holding_zero_row_excluded(t1_env):
+    """F-12 / R-回归 13（确认段场景）：全转后 `core_holding.qty=0` 行保留但不是持仓。"""
+    engine = t1_env
+    gid = _accept_full(engine)["convert_group_id"]
+    res = _confirm(engine, gid)
+    assert res["status"] == "confirmed"
+
+    # 台账留痕行仍在（D 决策：转出归零保留 qty=0 行，不物理删除）——
+    # 先证明行存在，后面的「不在持仓结果」断言才有区分度（否则可能是行被删了）
+    rows = _t11_rows(
+        engine,
+        "SELECT qty FROM core_holding WHERE customer_id = :c AND product_id = :p",
+        c=CUST, p=PROD_T11_OUT,
+    )
+    assert len(rows) == 1 and Decimal(str(rows[0]["qty"])) == 0
+
+    repo = CoreReadOnlyRepository(engine=engine)
+    # SQL 层（core_ro.list_holdings，`qty > 0` 过滤）：只剩转入端持仓
+    listed = repo.list_holdings(CUST)
+    assert [r["product_id"] for r in listed] == [PROD_T11_IN]
+    assert Decimal(str(listed[0]["qty"])) == Decimal(res["in_qty"])  # 确认段两端持仓同事务落对
+
+    # Tool 层（core_tools.query_holdings）与 SQL 层同口径
+    holdings = query_holdings(CUST, core_ro=repo)
+    assert holdings["total_count"] == 1
+    assert [r["product_id"] for r in holdings["items"]] == [PROD_T11_IN]