diff --git a/unipay/init.py b/unipay/init.py
index b950a26..fbe3793 100644
--- a/unipay/init.py
+++ b/unipay/init.py
@@ -1,5 +1,6 @@
 # init.py
 import os
+import traceback
 from appPublic.log import debug,exception
 from ahserver.configuredServer import add_startup
 from ahserver.serverenv import ServerEnv
@@ -7,40 +8,85 @@ from .notify import get_provider, get_provider_channel
 from .paylog import PaymentLog, unipay_accounting
 from .payfee import get_pay_fee, sor_get_pay_fee, get_paychannels, get_pay_feerate
 
-# 从 env 或配置载入 provider conf（这里只示例）
-CONF = {
-	"transfer":{
-		"pop3server": os.getenv("POP3SERVER", ""),
-		"mail": os.getenv("MAIL", ""),
-		"password": os.getenv("PASSWORD", ""),
-		"from_mail": os.getenv("FROM_MAIL", ""),
-		"account_no": os.getenv("ACCOUNT_NO", "")
+# ──────────────────────────────────────────────
+# 延迟加载：只存储 env key 名称，不在此处打开文件
+# 避免 import 阶段因文件缺失或 env 未设置而崩溃
+# ──────────────────────────────────────────────
+CONF_ENV = {
+	"transfer": {
+		"pop3server": "POP3SERVER",
+		"mail": "MAIL",
+		"password": "PASSWORD",
+		"from_mail": "FROM_MAIL",
+		"account_no": "ACCOUNT_NO"
 	},
 	"wechat": {
-		"mchid": os.getenv("WXP_MCHID",""),
-		"appid": os.getenv("WXP_APPID", ""),
-		"cert_serial_no": os.getenv("WXP_SERIAL",""),
-		"private_key_pem": open(os.getenv("WXP_PRIVKEY","./merchant_private_key.pem"),"rb").read(),
-		"api_v3_key": os.getenv("WXP_API_V3_KEY","")
+		"mchid": "WXP_MCHID",
+		"appid": "WXP_APPID",
+		"cert_serial_no": "WXP_SERIAL",
+		"private_key_pem_file": "WXP_PRIVKEY",
+		"api_v3_key": "WXP_API_V3_KEY"
 	},
 	"paypal": {
-		"client_id": os.getenv("PP_ID",""),
-		"client_secret": os.getenv("PP_SECRET",""),
-		"sandbox": True
+		"client_id": "PP_ID",
+		"client_secret": "PP_SECRET",
+		"sandbox": True  # 静态值
 	},
 	"alipay": {
-		"app_id": os.getenv("ALIPAY_APPID",""),
-		"app_private_key_pem": open(os.getenv("ALIPAY_PRIV","./alipay_priv.pem"),"rb").read(),
-		"alipay_public_key_pem": open(os.getenv("ALIPAY_PUB",""),"rb").read()
+		"app_id": "ALIPAY_APPID",
+		"app_private_key_pem_file": "ALIPAY_PRIV",
+		"alipay_public_key_pem_file": "ALIPAY_PUB"
 	},
 	"stripe": {
-		"api_key": os.getenv("STRIPE_KEY","")
+		"api_key": "STRIPE_KEY"
 	}
 }
 
 PROVIDERS = {}
 
 
+def _build_provider_conf(provider_name: str) -> dict:
+	"""从环境变量构造 provider 配置。打开文件、处理默认值。
+	如果关键环境变量缺失或文件打不开，抛异常由调用方处理。"""
+	conf_def = CONF_ENV.get(provider_name, {})
+	conf = {}
+	for key, env_name in conf_def.items():
+		if isinstance(env_name, bool):
+			conf[key] = env_name
+			continue
+		val = os.getenv(env_name, "")
+		conf[key] = val
+
+	# 特殊处理：读取密钥文件
+	if provider_name == "wechat":
+		privkey_path = conf.get("private_key_pem_file", "")
+		if not privkey_path:
+			raise FileNotFoundError(f"环境变量 WXP_PRIVKEY 未设置")
+		with open(privkey_path, "rb") as f:
+			conf["private_key_pem"] = f.read()
+		del conf["private_key_pem_file"]
+
+	elif provider_name == "alipay":
+		priv_path = conf.get("app_private_key_pem_file", "")
+		pub_path = conf.get("alipay_public_key_pem_file", "")
+		if not priv_path:
+			raise FileNotFoundError(f"环境变量 ALIPAY_PRIV 未设置")
+		if not pub_path:
+			raise FileNotFoundError(f"环境变量 ALIPAY_PUB 未设置")
+		with open(priv_path, "rb") as f:
+			conf["app_private_key_pem"] = f.read()
+		with open(pub_path, "rb") as f:
+			conf["alipay_public_key_pem"] = f.read()
+		del conf["app_private_key_pem_file"]
+		del conf["alipay_public_key_pem_file"]
+
+	return conf
+
+
+# ──────────────────────────────────────────────
+# 业务函数（不变）
+# ──────────────────────────────────────────────
+
 # 下单接口（统一）
 async def create_payment(request, params_kw=None):
 	env = request._run_ns
@@ -189,11 +235,19 @@ async def setup_callback_path(app):
 # callback url= "/unipay/notify/{provider}"
 
 def load_unipay():
-	PROVIDERS["transfer"] = get_provider("transfer", CONF["transfer"])
-	PROVIDERS["wechat"] = get_provider("wechat", CONF["wechat"])
-	PROVIDERS["paypal"] = get_provider("paypal", CONF["paypal"])
-	PROVIDERS["alipay"] = get_provider("alipay", CONF["alipay"])
-	PROVIDERS["stripe"] = get_provider("stripe", CONF["stripe"])
+	"""注册各支付渠道到 PROVIDERS。初始化失败的渠道设为 None（disabled）。"""
+	for name in ("transfer", "wechat", "paypal", "alipay", "stripe"):
+		try:
+			conf = _build_provider_conf(name)
+			PROVIDERS[name] = get_provider(name, conf)
+			if PROVIDERS[name] is not None:
+				print(f"[unipay] {name} 初始化成功")
+			else:
+				print(f"[unipay] {name} 初始化返回 None（渠道 disabled）")
+		except Exception as e:
+			PROVIDERS[name] = None
+			print(f"[unipay] {name} 初始化失败，已禁用: {e}", flush=True)
+
 	env = ServerEnv()
 	env.get_paychannels = get_paychannels
 	env.get_pay_feerate = get_pay_feerate