diff --git a/cmd/storage-migrate/main.go b/cmd/storage-migrate/main.go
index cfee408..0bb6943 100644
--- a/cmd/storage-migrate/main.go
+++ b/cmd/storage-migrate/main.go
@@ -295,6 +295,7 @@ var copyOrder = []string{
 	"login_keys",
 	// U1 I3：服务实例 DB 身份（无外键；迁移须保留以免目标库丢锚）
 	"agent_system_identity",
+	"account_events",
 }
 
 const controlDDL = `
diff --git a/internal/app/app.go b/internal/app/app.go
index 314ad68..e4d095f 100644
--- a/internal/app/app.go
+++ b/internal/app/app.go
@@ -800,7 +800,8 @@ func BootstrapAdmin(storageDSN, dataDir, owner string, openExisting bool) (strin
 	return plain, err
 }
 
-// ResetUserPassword CLI 重置密码：must_change=1（首登强制改密），吊销全部会话。
+// ResetUserPassword CLI 重置密码：单事务写 must_change=1、bump 认证版本、
+// 作废未用登录 Key、吊销全部会话并审计。
 func ResetUserPassword(storageDSN, dataDir, owner, password string, openExisting bool) (string, error) {
 	if password == "" {
 		password = server.RandomPassword()
@@ -810,11 +811,7 @@ func ResetUserPassword(storageDSN, dataDir, owner, password string, openExisting
 		return "", err
 	}
 	if err := withStoreMode(storageDSN, dataDir, openExisting, func(st *store.Store) error {
-		if err := st.SetUserPassword(owner, hash); err != nil {
-			return err
-		}
-		st.DeleteUserSessions(owner, "")
-		return nil
+		return st.AdminResetUserPassword(owner, hash, "cli", "cli")
 	}); err != nil {
 		return "", err
 	}
diff --git a/internal/server/accounts.go b/internal/server/accounts.go
index a753161..b1afaa5 100644
--- a/internal/server/accounts.go
+++ b/internal/server/accounts.go
@@ -9,6 +9,7 @@ import (
 	"encoding/hex"
 	"encoding/json"
 	"errors"
+	"io"
 	"net/http"
 	"strings"
 	"sync"
@@ -60,10 +61,43 @@ func loginClear(owner string) {
 	delete(loginGuard.fails, owner)
 }
 
-func setSessionCookie(w http.ResponseWriter, token string, maxAge int) {
+// 兑换入口退避（进程内，按来源 IP；Key 无属主可先行归因，只能按来源限流）。
+var redeemGuard = struct {
+	sync.Mutex
+	fails map[string][]time.Time
+}{fails: map[string][]time.Time{}}
+
+const redeemMaxFails = 10
+
+func redeemLocked(ip string) bool {
+	redeemGuard.Lock()
+	defer redeemGuard.Unlock()
+	cut := time.Now().Add(-loginLockWindow)
+	kept := redeemGuard.fails[ip][:0]
+	for _, t := range redeemGuard.fails[ip] {
+		if t.After(cut) {
+			kept = append(kept, t)
+		}
+	}
+	redeemGuard.fails[ip] = kept
+	return len(kept) >= redeemMaxFails
+}
+
+func redeemFail(ip string) {
+	redeemGuard.Lock()
+	defer redeemGuard.Unlock()
+	redeemGuard.fails[ip] = append(redeemGuard.fails[ip], time.Now())
+}
+
+// requestSecure 判断请求是否经 HTTPS（直连 TLS 或反代 X-Forwarded-Proto 标头）。
+func requestSecure(r *http.Request) bool {
+	return r.TLS != nil || strings.EqualFold(r.Header.Get("X-Forwarded-Proto"), "https")
+}
+
+func setSessionCookie(w http.ResponseWriter, r *http.Request, token string, maxAge int) {
 	http.SetCookie(w, &http.Cookie{
 		Name: SessionCookie, Value: token, Path: "/", HttpOnly: true,
-		SameSite: http.SameSiteLaxMode, MaxAge: maxAge,
+		SameSite: http.SameSiteLaxMode, MaxAge: maxAge, Secure: requestSecure(r),
 	})
 }
 
@@ -76,11 +110,20 @@ func authStateJSON(st store.UserAuthState) map[string]any {
 }
 
 // redeemLoginKey：一次性登录 Key → set_password_only 会话（专用 body，不经 Bearer）。
+// 请求只有 Key：身份由服务端绑定记录确定；按来源 IP 退避防爆破。
 func (s *Server) redeemLoginKey(w http.ResponseWriter, r *http.Request) {
 	if s.Auth == nil || !s.Auth.Enabled {
 		http.Error(w, "auth disabled (embedded single-tenant mode)", http.StatusPreconditionFailed)
 		return
 	}
+	ip, _, _ := strings.Cut(r.RemoteAddr, ":")
+	if xf := r.Header.Get("X-Forwarded-For"); xf != "" {
+		ip = strings.TrimSpace(strings.Split(xf, ",")[0])
+	}
+	if redeemLocked(ip) {
+		http.Error(w, "too many failed attempts; retry later", http.StatusTooManyRequests)
+		return
+	}
 	var req struct {
 		Key string `json:"key"`
 	}
@@ -91,13 +134,15 @@ func (s *Server) redeemLoginKey(w http.ResponseWriter, r *http.Request) {
 	token, owner, err := s.st.RedeemLoginKey(strings.TrimSpace(req.Key))
 	if err != nil {
 		if errors.Is(err, store.ErrConflict) {
+			redeemFail(ip)
 			http.Error(w, "login key already used", http.StatusConflict)
 			return
 		}
+		redeemFail(ip)
 		http.Error(w, "invalid or expired login key", http.StatusUnauthorized)
 		return
 	}
-	setSessionCookie(w, token, int(10*60))
+	setSessionCookie(w, r, token, int(10*60))
 	st, _ := s.st.GetUserAuthState(owner)
 	out := authStateJSON(st)
 	out["sessionScope"] = store.SessionScopeSetPasswordOnly
@@ -129,20 +174,34 @@ func (s *Server) login(w http.ResponseWriter, r *http.Request) {
 		http.Error(w, "too many failed attempts; retry later", http.StatusTooManyRequests)
 		return
 	}
-	st, ok := s.st.VerifyLogin(owner, req.Password)
+	st, ver, ok := s.st.VerifyLoginWithVersion(owner, req.Password)
 	if !ok {
 		loginFail(owner)
 		http.Error(w, "invalid owner or password", http.StatusUnauthorized)
 		return
 	}
 	loginClear(owner)
-	token, err := s.st.CreateSession(owner)
+	// 待改密/未设密：建受限会话（只能设密）；否则正常会话。会话创建绑定
+	// 认证版本——密码验证在途期间账户被恢复/重置时本请求不得再建会话。
+	scope := store.SessionScopeFull
+	maxAge := 7 * 24 * 3600
+	if st.MustChangePassword || !st.HasPassword {
+		scope = store.SessionScopeSetPasswordOnly
+		maxAge = 10 * 60
+	}
+	token, err := s.st.CreateSessionVerified(owner, scope, time.Duration(maxAge)*time.Second, ver)
 	if err != nil {
+		if errors.Is(err, store.ErrConflict) {
+			http.Error(w, "credentials changed concurrently; retry login", http.StatusUnauthorized)
+			return
+		}
 		http.Error(w, err.Error(), http.StatusInternalServerError)
 		return
 	}
-	setSessionCookie(w, token, 7*24*3600)
-	writeJSON(w, http.StatusOK, authStateJSON(st))
+	setSessionCookie(w, r, token, maxAge)
+	out := authStateJSON(st)
+	out["sessionScope"] = scope
+	writeJSON(w, http.StatusOK, out)
 }
 
 // logout：注销当前会话。
@@ -150,13 +209,14 @@ func (s *Server) logout(w http.ResponseWriter, r *http.Request) {
 	if tok := sessionToken(r); tok != "" {
 		s.st.DeleteSession(tok)
 	}
-	setSessionCookie(w, "", -1)
+	setSessionCookie(w, r, "", -1)
 	writeJSON(w, http.StatusOK, map[string]any{"ok": true})
 }
 
 // changePassword：会话登录者改密。
-// - scope=set_password_only 或 must_change/未设密：不要求 current；完成后销毁全部会话，要求重新密码登录。
-// - 普通主动改密：要求 current；保留当前会话、吊销其余。
+//   - 受限会话或 must_change/未设密：不要求 current；事务内复验会话与认证版本，
+//     完成后销毁全部会话，要求重新密码登录（reloginRequired=true）。
+//   - 普通主动改密：要求 current；单事务完成校验、更新、吊销其他会话（保留当前）。
 func (s *Server) changePassword(w http.ResponseWriter, r *http.Request) {
 	tok := sessionToken(r)
 	if tok == "" {
@@ -180,42 +240,41 @@ func (s *Server) changePassword(w http.ResponseWriter, r *http.Request) {
 		http.Error(w, err.Error(), http.StatusBadRequest)
 		return
 	}
-	st0, _ := s.st.GetUserAuthState(owner)
-	forceSet := scope == store.SessionScopeSetPasswordOnly || st0.MustChangePassword || !st0.HasPassword
-	if !forceSet {
-		if _, ok := s.st.VerifyLogin(owner, req.Current); !ok {
-			http.Error(w, "current password incorrect", http.StatusUnauthorized)
-			return
-		}
-	}
 	hash, err := store.HashPassword(req.Next)
 	if err != nil {
 		http.Error(w, err.Error(), http.StatusInternalServerError)
 		return
 	}
+	st0, _ := s.st.GetUserAuthState(owner)
+	forceSet := scope == store.SessionScopeSetPasswordOnly || st0.MustChangePassword || !st0.HasPassword
 	if forceSet {
-		if err := s.st.CompleteSetPassword(owner, hash); err != nil {
+		if _, err := s.st.CompleteSetPasswordChecked(tok, hash); err != nil {
+			if errors.Is(err, store.ErrNotFound) {
+				http.Error(w, "session expired", http.StatusUnauthorized)
+				return
+			}
 			writeStoreErr(w, err)
 			return
 		}
-		setSessionCookie(w, "", -1)
+		setSessionCookie(w, r, "", -1)
 		st, _ := s.st.GetUserAuthState(owner)
 		out := authStateJSON(st)
 		out["reloginRequired"] = true
 		writeJSON(w, http.StatusOK, out)
 		return
 	}
-	if err := s.st.SetUserPassword(owner, hash); err != nil {
+	if err := s.st.ChangeUserPasswordActive(owner, req.Current, hash, tok); err != nil {
+		if errors.Is(err, store.ErrBadCredentials) {
+			http.Error(w, "current password incorrect", http.StatusUnauthorized)
+			return
+		}
 		writeStoreErr(w, err)
 		return
 	}
-	if err := s.st.ClearMustChangePassword(owner); err != nil {
-		writeStoreErr(w, err)
-		return
-	}
-	s.st.DeleteUserSessions(owner, tok)
 	st, _ := s.st.GetUserAuthState(owner)
-	writeJSON(w, http.StatusOK, authStateJSON(st))
+	out := authStateJSON(st)
+	out["reloginRequired"] = false
+	writeJSON(w, http.StatusOK, out)
 }
 
 func validPassword(pw string) error {
@@ -287,9 +346,12 @@ func (s *Server) createAdminUser(w http.ResponseWriter, r *http.Request) {
 	})
 }
 
-// resetAdminUserPassword：管理员重置密码 → must_change=1，吊销该用户全部会话。
+// resetAdminUserPassword：管理员直接重置密码（兼容保留的既有入口；常规恢复
+// 走签发一次性登录 Key）。单事务：must_change=1、bump auth_version、作废未用
+// 登录 Key、吊销全部会话、审计。
 func (s *Server) resetAdminUserPassword(w http.ResponseWriter, r *http.Request) {
-	if _, ok := s.requireAdmin(w, r); !ok {
+	actor, ok := s.requireAdmin(w, r)
+	if !ok {
 		return
 	}
 	owner := r.PathValue("owner")
@@ -309,17 +371,77 @@ func (s *Server) resetAdminUserPassword(w http.ResponseWriter, r *http.Request)
 		http.Error(w, err.Error(), http.StatusInternalServerError)
 		return
 	}
-	if err := s.st.SetUserPassword(owner, hash); err != nil {
+	if err := s.st.AdminResetUserPassword(owner, hash, actor, "admin-http"); err != nil {
 		writeStoreErr(w, err)
 		return
 	}
-	s.st.DeleteUserSessions(owner, "")
 	st, _ := s.st.GetUserAuthState(owner)
 	writeJSON(w, http.StatusOK, map[string]any{
 		"owner": st.Owner, "mustChangePassword": st.MustChangePassword,
 	})
 }
 
+// ---- 管理员：一次性登录 Key（恢复流程主入口）----
+
+// issueAdminLoginKey：为指定既有用户签发恢复 Key（明文仅本次响应返回）。
+// 同事务撤销旧恢复 Key 及其受限会话；不改密码、不吊销正常会话、不动业务数据。
+func (s *Server) issueAdminLoginKey(w http.ResponseWriter, r *http.Request) {
+	actor, ok := s.requireAdmin(w, r)
+	if !ok {
+		return
+	}
+	owner := strings.TrimSpace(r.PathValue("owner"))
+	var req struct {
+		Purpose    string `json:"purpose"`
+		TTLMinutes int    `json:"ttlMinutes"`
+	}
+	if err := decodeJSON(r, &req); err != nil && !errors.Is(err, io.EOF) {
+		http.Error(w, err.Error(), http.StatusBadRequest)
+		return
+	}
+	purpose := req.Purpose
+	if purpose == "" {
+		purpose = store.LoginKeyPurposeRecover
+	}
+	if purpose != store.LoginKeyPurposeRecover && purpose != store.LoginKeyPurposeActivate {
+		http.Error(w, "purpose must be recover or activate", http.StatusBadRequest)
+		return
+	}
+	ttl := time.Duration(req.TTLMinutes) * time.Minute
+	plain, meta, err := s.st.IssueLoginKey(owner, purpose, actor, ttl)
+	if err != nil {
+		writeStoreErr(w, err)
+		return
+	}
+	writeJSON(w, http.StatusOK, map[string]any{
+		"id": meta.ID, "owner": meta.Owner, "purpose": meta.Purpose,
+		"status": meta.Status, "expiresAt": meta.ExpiresAt, "createdBy": meta.CreatedBy,
+		"key": plain, // 明文仅此一次；关闭弹层后不可再取
+	})
+}
+
+// listAdminLoginKeys：指定用户的 Key 状态与有效期（不返回明文）。
+func (s *Server) listAdminLoginKeys(w http.ResponseWriter, r *http.Request) {
+	if _, ok := s.requireAdmin(w, r); !ok {
+		return
+	}
+	keys, err := s.st.ListLoginKeys(r.PathValue("owner"))
+	writeJSONOr(w, map[string]any{"keys": keys}, err)
+}
+
+// revokeAdminLoginKey：撤销 Key 并作废其关联受限会话。
+func (s *Server) revokeAdminLoginKey(w http.ResponseWriter, r *http.Request) {
+	actor, ok := s.requireAdmin(w, r)
+	if !ok {
+		return
+	}
+	if _, err := s.st.RevokeLoginKeyCascade(r.PathValue("id"), actor); err != nil {
+		writeStoreErr(w, err)
+		return
+	}
+	writeJSON(w, http.StatusOK, map[string]any{"ok": true})
+}
+
 // RandomPassword 生成随机初始密码（管理员/CLI 未显式给定密码时）。
 func RandomPassword() string {
 	raw := make([]byte, 9)
diff --git a/internal/server/login_recovery_test.go b/internal/server/login_recovery_test.go
new file mode 100644
index 0000000..0936fd5
--- /dev/null
+++ b/internal/server/login_recovery_test.go
@@ -0,0 +1,311 @@
+package server
+
+// 登录恢复流程 HTTP 合同（2026-10-13）：管理员签发一次性登录 Key → 用户兑换 →
+// 受限会话强制设密 → 重新密码登录；must-change 首登同样建受限会话。
+
+import (
+	"bytes"
+	"encoding/json"
+	"net/http"
+	"net/http/httptest"
+	"strings"
+	"testing"
+
+	"agent-system-backend/internal/store"
+)
+
+// bootAdmin：建管理员并完成首登改密，返回已放行的会话 cookie 值。
+func bootAdmin(t *testing.T, h http.Handler, st *store.Store) string {
+	t.Helper()
+	bootHash, err := store.HashPassword("boot-pass-00")
+	if err != nil {
+		t.Fatal(err)
+	}
+	if err := st.CreateAccount("admin", "", bootHash, true); err != nil {
+		t.Fatal(err)
+	}
+	req := httptest.NewRequest("POST", "/api/auth/login", strings.NewReader(`{"owner":"admin","password":"boot-pass-00"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec := httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("boot login: %d %s", rec.Code, rec.Body.String())
+	}
+	tok := cookieOf(rec)
+	if tok == "" {
+		t.Fatal("missing session cookie")
+	}
+	req = httptest.NewRequest("POST", "/api/auth/password", strings.NewReader(`{"next":"admin-final-9"}`))
+	req.AddCookie(&http.Cookie{Name: SessionCookie, Value: tok})
+	req.Header.Set("Content-Type", "application/json")
+	rec = httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("boot set password: %d %s", rec.Code, rec.Body.String())
+	}
+	req = httptest.NewRequest("POST", "/api/auth/login", strings.NewReader(`{"owner":"admin","password":"admin-final-9"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec = httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("relogin: %d %s", rec.Code, rec.Body.String())
+	}
+	return cookieOf(rec)
+}
+
+func cookieOf(rec *httptest.ResponseRecorder) string {
+	for _, ck := range rec.Result().Cookies() {
+		if ck.Name == SessionCookie {
+			return ck.Value
+		}
+	}
+	return ""
+}
+
+func reqWithCookie(method, path, body, cookie string) *http.Request {
+	var rdr *bytes.Reader
+	if body != "" {
+		rdr = bytes.NewReader([]byte(body))
+	} else {
+		rdr = bytes.NewReader(nil)
+	}
+	req := httptest.NewRequest(method, path, rdr)
+	if cookie != "" {
+		req.AddCookie(&http.Cookie{Name: SessionCookie, Value: cookie})
+	}
+	if body != "" {
+		req.Header.Set("Content-Type", "application/json")
+	}
+	return req
+}
+
+func do(h http.Handler, method, path, body, cookie string) *httptest.ResponseRecorder {
+	rec := httptest.NewRecorder()
+	h.ServeHTTP(rec, reqWithCookie(method, path, body, cookie))
+	return rec
+}
+
+// 管理员签发 → 列表无明文 → 兑换 → 受限 → 设密 → 新密码登录。
+func TestAdminLoginKeyRecoveryFlow(t *testing.T) {
+	srv, st := newAuthTestServer(t)
+	h := srv.Handler()
+	adminTok := bootAdmin(t, h, st)
+	if err := st.CreateAccount("mallory", "", "", false); err != nil {
+		t.Fatal(err)
+	}
+	if err := st.CreateAccount("pleb", "", "", false); err != nil {
+		t.Fatal(err)
+	}
+
+	// 匿名/无会话不能签发。
+	if rec := do(h, "POST", "/api/admin/users/mallory/login-keys", `{}`, "not-a-session"); rec.Code != http.StatusUnauthorized {
+		t.Fatalf("anonymous issue: %d", rec.Code)
+	}
+
+	// 管理员签发：返回明文一次 + 元数据。
+	rec := do(h, "POST", "/api/admin/users/mallory/login-keys", `{}`, adminTok)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("issue: %d %s", rec.Code, rec.Body.String())
+	}
+	var issued struct {
+		ID  string `json:"id"`
+		Key string `json:"key"`
+	}
+	if err := json.Unmarshal(rec.Body.Bytes(), &issued); err != nil {
+		t.Fatal(err)
+	}
+	if !strings.HasPrefix(issued.Key, "alk_") || issued.ID == "" {
+		t.Fatalf("issue payload: %+v", issued)
+	}
+
+	// 列表：状态可见、无明文。
+	rec = do(h, "GET", "/api/admin/users/mallory/login-keys", "", adminTok)
+	if rec.Code != http.StatusOK || strings.Contains(rec.Body.String(), "alk_") {
+		t.Fatalf("list must not leak plaintext: %d %s", rec.Code, rec.Body.String())
+	}
+	if !strings.Contains(rec.Body.String(), `"status":"unused"`) {
+		t.Fatalf("list should show unused status: %s", rec.Body.String())
+	}
+
+	// 用户兑换：只提交 Key，身份由服务端绑定决定。
+	req := httptest.NewRequest("POST", "/api/auth/login-key/redeem", strings.NewReader(`{"key":"`+issued.Key+`"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec = httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK || !strings.Contains(rec.Body.String(), `"owner":"mallory"`) ||
+		!strings.Contains(rec.Body.String(), `"sessionScope":"set_password_only"`) {
+		t.Fatalf("redeem: %d %s", rec.Code, rec.Body.String())
+	}
+	userTok := cookieOf(rec)
+
+	// 重复兑换失败。
+	req = httptest.NewRequest("POST", "/api/auth/login-key/redeem", strings.NewReader(`{"key":"`+issued.Key+`"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec = httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code != http.StatusConflict {
+		t.Fatalf("replay redeem: %d", rec.Code)
+	}
+
+	// 受限会话：业务与管理员入口均拒绝。
+	if rec := do(h, "GET", "/api/projects", "", userTok); rec.Code != http.StatusForbidden {
+		t.Fatalf("business api: %d", rec.Code)
+	}
+	if rec := do(h, "POST", "/api/admin/users/pleb/login-keys", `{}`, userTok); rec.Code != http.StatusForbidden {
+		t.Fatalf("restricted session must not issue keys: %d", rec.Code)
+	}
+
+	// 设密（无 current）→ reloginRequired → 新密码登录。
+	rec = do(h, "POST", "/api/auth/password", `{"next":"mallory-final-9"}`, userTok)
+	if rec.Code != http.StatusOK || !strings.Contains(rec.Body.String(), `"reloginRequired":true`) {
+		t.Fatalf("set password: %d %s", rec.Code, rec.Body.String())
+	}
+	req = httptest.NewRequest("POST", "/api/auth/login", strings.NewReader(`{"owner":"mallory","password":"mallory-final-9"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec = httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK || strings.Contains(rec.Body.String(), `"mustChangePassword":true`) {
+		t.Fatalf("login with new password: %d %s", rec.Code, rec.Body.String())
+	}
+}
+
+// 补发与撤销：旧 Key 作废、旧受限会话失效。
+func TestAdminLoginKeyReissueAndRevoke(t *testing.T) {
+	srv, st := newAuthTestServer(t)
+	h := srv.Handler()
+	adminTok := bootAdmin(t, h, st)
+	if err := st.CreateAccount("nia", "", "", false); err != nil {
+		t.Fatal(err)
+	}
+	issue := func() (string, string) {
+		rec := do(h, "POST", "/api/admin/users/nia/login-keys", `{}`, adminTok)
+		if rec.Code != http.StatusOK {
+			t.Fatalf("issue: %d %s", rec.Code, rec.Body.String())
+		}
+		var out struct {
+			ID  string `json:"id"`
+			Key string `json:"key"`
+		}
+		json.Unmarshal(rec.Body.Bytes(), &out)
+		return out.ID, out.Key
+	}
+	oldID, oldKey := issue()
+	_ = oldID
+
+	// 兑换旧 Key 得受限会话；补发后该会话失效、旧 Key 不可再用。
+	req := httptest.NewRequest("POST", "/api/auth/login-key/redeem", strings.NewReader(`{"key":"`+oldKey+`"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec := httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	oldSess := cookieOf(rec)
+	if oldSess == "" {
+		t.Fatal("redeem old key failed")
+	}
+	issue()
+	if rec := do(h, "GET", "/api/me", "", oldSess); rec.Code != http.StatusUnauthorized {
+		t.Fatalf("restricted session must die after reissue: %d", rec.Code)
+	}
+	req = httptest.NewRequest("POST", "/api/auth/login-key/redeem", strings.NewReader(`{"key":"`+oldKey+`"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec = httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code == http.StatusOK {
+		t.Fatal("consumed old key must not redeem again")
+	}
+
+	// 撤销端点：未用 Key 撤销后不可兑换。
+	newID, newKey := issue()
+	if rec := do(h, "DELETE", "/api/admin/users/nia/login-keys/"+newID, "", adminTok); rec.Code != http.StatusOK {
+		t.Fatalf("revoke: %d %s", rec.Code, rec.Body.String())
+	}
+	req = httptest.NewRequest("POST", "/api/auth/login-key/redeem", strings.NewReader(`{"key":"`+newKey+`"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec = httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code == http.StatusOK {
+		t.Fatal("revoked key must not redeem")
+	}
+	// 不存在的编号 404。
+	if rec := do(h, "DELETE", "/api/admin/users/nia/login-keys/lk_nope", "", adminTok); rec.Code != http.StatusNotFound {
+		t.Fatalf("unknown key revoke: %d", rec.Code)
+	}
+}
+
+// must-change 首登：登录即建受限会话（sessionScope 回传），设密后重新登录为 full。
+func TestLoginMustChangeCreatesRestrictedSession(t *testing.T) {
+	srv, st := newAuthTestServer(t)
+	h := srv.Handler()
+	bootHash, err := store.HashPassword("temp-pass-00")
+	if err != nil {
+		t.Fatal(err)
+	}
+	if err := st.CreateAccount("oscar", "", bootHash, false); err != nil {
+		t.Fatal(err)
+	}
+	req := httptest.NewRequest("POST", "/api/auth/login", strings.NewReader(`{"owner":"oscar","password":"temp-pass-00"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec := httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK || !strings.Contains(rec.Body.String(), `"sessionScope":"set_password_only"`) {
+		t.Fatalf("must-change login must create restricted session: %d %s", rec.Code, rec.Body.String())
+	}
+	tok := cookieOf(rec)
+	if rec := do(h, "GET", "/api/projects", "", tok); rec.Code != http.StatusForbidden {
+		t.Fatalf("business api before set: %d", rec.Code)
+	}
+	rec = do(h, "POST", "/api/auth/password", `{"next":"oscar-final-9"}`, tok)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("set password: %d %s", rec.Code, rec.Body.String())
+	}
+	req = httptest.NewRequest("POST", "/api/auth/login", strings.NewReader(`{"owner":"oscar","password":"oscar-final-9"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec = httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK || !strings.Contains(rec.Body.String(), `"sessionScope":"full"`) {
+		t.Fatalf("full login after set: %d %s", rec.Code, rec.Body.String())
+	}
+}
+
+// 主动改密：必须带正确 current；成功保留当前会话。
+func TestActiveChangePasswordRequiresCurrent(t *testing.T) {
+	srv, st := newAuthTestServer(t)
+	h := srv.Handler()
+	_ = srv
+	if err := st.CreateAccount("petra", "", "", false); err != nil {
+		t.Fatal(err)
+	}
+	plain, _, err := st.IssueLoginKey("petra", store.LoginKeyPurposeActivate, "test", 0)
+	if err != nil {
+		t.Fatal(err)
+	}
+	req := httptest.NewRequest("POST", "/api/auth/login-key/redeem", strings.NewReader(`{"key":"`+plain+`"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec := httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	tok := cookieOf(rec)
+	rec = do(h, "POST", "/api/auth/password", `{"next":"petra-first-8"}`, tok)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("initial set: %d %s", rec.Code, rec.Body.String())
+	}
+	// 重新登录得 full 会话。
+	req = httptest.NewRequest("POST", "/api/auth/login", strings.NewReader(`{"owner":"petra","password":"petra-first-8"}`))
+	req.Header.Set("Content-Type", "application/json")
+	rec = httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	tok = cookieOf(rec)
+	// 缺 current / 错 current 拒绝。
+	if rec := do(h, "POST", "/api/auth/password", `{"next":"petra-second-9"}`, tok); rec.Code != http.StatusUnauthorized {
+		t.Fatalf("active change without current: %d", rec.Code)
+	}
+	if rec := do(h, "POST", "/api/auth/password", `{"current":"wrong-current","next":"petra-second-9"}`, tok); rec.Code != http.StatusUnauthorized {
+		t.Fatalf("active change with wrong current: %d", rec.Code)
+	}
+	// 正确 current 成功且当前会话保留。
+	rec = do(h, "POST", "/api/auth/password", `{"current":"petra-first-8","next":"petra-second-9"}`, tok)
+	if rec.Code != http.StatusOK || strings.Contains(rec.Body.String(), `"reloginRequired":true`) {
+		t.Fatalf("active change: %d %s", rec.Code, rec.Body.String())
+	}
+	if rec := do(h, "GET", "/api/me", "", tok); rec.Code != http.StatusOK {
+		t.Fatalf("current session must survive active change: %d", rec.Code)
+	}
+}
diff --git a/internal/server/server.go b/internal/server/server.go
index 3b70bb6..bb8db01 100644
--- a/internal/server/server.go
+++ b/internal/server/server.go
@@ -124,7 +124,7 @@ func (s *Server) authorizeProjectAction(owner string, projectID core.ID, action
 }
 
 // authorizeSharedResource EXT-8b 资源级读判定（U9）：V2 注册时按六要素咨询
-//（Actor=认证会话、Action/ResourceType/ResourceID 由调用点受信构造、
+// （Actor=认证会话、Action/ResourceType/ResourceID 由调用点受信构造、
 // Owner/ProjectID 从受信存储元数据解析；出错/字段缺失一律 false，fail-closed
 // 且不泄露存在性）；V2 未注册回落 authorizeSharedProject（现行兼容）。
 func (s *Server) authorizeSharedResource(actor, action, resourceType string, resourceID, owner, projectID core.ID) bool {
@@ -284,6 +284,9 @@ func (s *Server) Handler() http.Handler {
 	mux.HandleFunc("GET /api/admin/users", s.listAdminUsers)
 	mux.HandleFunc("POST /api/admin/users", s.createAdminUser)
 	mux.HandleFunc("POST /api/admin/users/{owner}/password", s.resetAdminUserPassword)
+	mux.HandleFunc("POST /api/admin/users/{owner}/login-keys", s.issueAdminLoginKey)
+	mux.HandleFunc("GET /api/admin/users/{owner}/login-keys", s.listAdminLoginKeys)
+	mux.HandleFunc("DELETE /api/admin/users/{owner}/login-keys/{id}", s.revokeAdminLoginKey)
 
 	// ---- 项目 / 会话 ----
 	mux.HandleFunc("GET /api/projects", s.listProjects)
@@ -1810,6 +1813,10 @@ func writeStoreErr(w http.ResponseWriter, err error) {
 		http.Error(w, err.Error(), http.StatusConflict)
 		return
 	}
+	if errors.Is(err, store.ErrBadCredentials) {
+		http.Error(w, "current password incorrect", http.StatusUnauthorized)
+		return
+	}
 	if errors.Is(err, runmgr.ErrConversationBusy) {
 		http.Error(w, err.Error(), http.StatusConflict)
 		return
diff --git a/internal/store/auth.go b/internal/store/auth.go
index 0161cb7..0b99bfa 100644
--- a/internal/store/auth.go
+++ b/internal/store/auth.go
@@ -286,16 +286,25 @@ func (s *Store) GetUserAuthState(owner string) (UserAuthState, error) {
 
 // VerifyLogin 校验用户名密码。
 func (s *Store) VerifyLogin(owner, password string) (UserAuthState, bool) {
+	st, _, ok := s.VerifyLoginWithVersion(owner, password)
+	return st, ok
+}
+
+// VerifyLoginWithVersion 校验用户名密码并返回验证所依据的认证版本；调用方建会话
+// 时必须以 CreateSessionVerified 传回该版本，堵「验证在途 → 恢复/改密完成 →
+// 旧请求又建会话」的竞态窗口。
+func (s *Store) VerifyLoginWithVersion(owner, password string) (UserAuthState, int, bool) {
 	var hash string
-	err := s.db.QueryRow(s.q(`SELECT password_hash FROM users WHERE owner=?`), owner).Scan(&hash)
+	var ver int
+	err := s.db.QueryRow(s.q(`SELECT password_hash,auth_version FROM users WHERE owner=?`), owner).Scan(&hash, &ver)
 	if err != nil || hash == "" || !VerifyPassword(hash, password) {
-		return UserAuthState{}, false
+		return UserAuthState{}, 0, false
 	}
 	st, err := s.GetUserAuthState(owner)
 	if err != nil {
-		return UserAuthState{}, false
+		return UserAuthState{}, 0, false
 	}
-	return st, true
+	return st, ver, true
 }
 
 // ---- 会话 ----
@@ -305,8 +314,30 @@ func (s *Store) CreateSession(owner string) (string, error) {
 	return s.CreateSessionScoped(owner, SessionScopeFull, sessionTTL)
 }
 
-// CreateSessionScoped 按 scope 与 TTL 建会话。
+// CreateSessionScoped 按 scope 与 TTL 建会话（尽力绑定账户当前认证版本）。
 func (s *Store) CreateSessionScoped(owner, scope string, ttl time.Duration) (string, error) {
+	if scope == "" {
+		scope = SessionScopeFull
+	}
+	if ttl <= 0 {
+		ttl = sessionTTL
+	}
+	ver := 0
+	_ = s.db.QueryRow(s.q(`SELECT auth_version FROM users WHERE owner=?`), owner).Scan(&ver)
+	raw := make([]byte, 32)
+	if _, err := rand.Read(raw); err != nil {
+		return "", err
+	}
+	token := "sess_" + hex.EncodeToString(raw)
+	exp := time.Now().Add(ttl)
+	_, err := s.db.Exec(s.q(`INSERT INTO sessions(token_hash,owner,created_at,expires_at,last_seen_at,scope,auth_version) VALUES(?,?,?,?,?,?,?)`),
+		hashKey(token), owner, nowISO(), exp.UTC().Format(time.RFC3339Nano), nowISO(), scope, ver)
+	return token, err
+}
+
+// CreateSessionVerified 建会话并绑定期望认证版本：事务内重读账户版本，与密码验证
+// 时的一致才插入；版本已前进（并发恢复/改密/重置）返回 ErrConflict，不建会话。
+func (s *Store) CreateSessionVerified(owner, scope string, ttl time.Duration, expectVersion int) (string, error) {
 	if scope == "" {
 		scope = SessionScopeFull
 	}
@@ -319,9 +350,27 @@ func (s *Store) CreateSessionScoped(owner, scope string, ttl time.Duration) (str
 	}
 	token := "sess_" + hex.EncodeToString(raw)
 	exp := time.Now().Add(ttl)
-	_, err := s.db.Exec(s.q(`INSERT INTO sessions(token_hash,owner,created_at,expires_at,last_seen_at,scope) VALUES(?,?,?,?,?,?)`),
-		hashKey(token), owner, nowISO(), exp.UTC().Format(time.RFC3339Nano), nowISO(), scope)
-	return token, err
+	tx, err := s.db.Begin()
+	if err != nil {
+		return "", err
+	}
+	defer tx.Rollback()
+	var ver int
+	err = tx.QueryRow(s.q(`SELECT auth_version FROM users WHERE owner=?`), owner).Scan(&ver)
+	if errors.Is(err, sql.ErrNoRows) {
+		return "", ErrNotFound
+	}
+	if err != nil {
+		return "", err
+	}
+	if ver != expectVersion {
+		return "", ErrConflict
+	}
+	if _, err := tx.Exec(s.q(`INSERT INTO sessions(token_hash,owner,created_at,expires_at,last_seen_at,scope,auth_version) VALUES(?,?,?,?,?,?,?)`),
+		hashKey(token), owner, nowISO(), exp.UTC().Format(time.RFC3339Nano), nowISO(), scope, ver); err != nil {
+		return "", err
+	}
+	return token, tx.Commit()
 }
 
 // SessionOwner 校验会话：命中且未过期返回 owner（尽力刷新 last_seen）。
diff --git a/internal/store/login_keys.go b/internal/store/login_keys.go
index 3a3f4ad..2069a59 100644
--- a/internal/store/login_keys.go
+++ b/internal/store/login_keys.go
@@ -10,6 +10,16 @@ import (
 )
 
 // 一次性登录凭据（与长期 api_keys 分离）。明文前缀 alk_；库只存 SHA-256。
+//
+// 登录恢复流程（2026-10-13 合同）：
+//   - 每次密码写入（恢复设密/主动改密/管理员与 CLI 重置）同事务 bump
+//     users.auth_version 并作废该用户全部会话；会话行持有创建时的 auth_version。
+//   - 密码登录建会话前绑定认证版本，堵「旧密码验证在途 → 恢复完成 → 旧请求
+//     又建会话」竞态。
+//   - 签发/撤销/兑换/改密均与账户事件审计同事务（account_events，v28）。
+
+// ErrBadCredentials 当前密码错误（主动改密路径）。
+var ErrBadCredentials = errors.New("store: bad credentials")
 
 const (
 	LoginKeyPurposeActivate = "activate"
@@ -23,10 +33,10 @@ const (
 	SessionScopeFull            = "full"
 	SessionScopeSetPasswordOnly = "set_password_only"
 
-	defaultLoginKeyTTL    = 30 * time.Minute
-	minLoginKeyTTL        = 5 * time.Minute
-	maxLoginKeyTTL        = 120 * time.Minute
-	restrictedSessionTTL  = 10 * time.Minute
+	defaultLoginKeyTTL   = 30 * time.Minute
+	minLoginKeyTTL       = 5 * time.Minute
+	maxLoginKeyTTL       = 120 * time.Minute
+	restrictedSessionTTL = 10 * time.Minute
 )
 
 // LoginKeyMeta 对外可见元数据（无明文）。
@@ -40,8 +50,35 @@ type LoginKeyMeta struct {
 	CreatedBy string    `json:"createdBy,omitempty"`
 }
 
-// IssueLoginKey 签发一次性登录 Key；撤销同 owner+purpose 的 unused 旧 Key。
-// 返回明文（仅此一次）与元数据。
+// AccountEvent 账户生命周期审计行（不含任何凭据材料）。
+type AccountEvent struct {
+	ID       string    `json:"id"`
+	Time     time.Time `json:"time"`
+	Actor    string    `json:"actor,omitempty"`
+	Entrance string    `json:"entrance,omitempty"`
+	Owner    string    `json:"owner"`
+	Action   string    `json:"action"`
+	Detail   string    `json:"detail,omitempty"`
+}
+
+// dbExecer 让账户事件写入同时适用于连接与事务（与密码变更同事务提交）。
+type dbExecer interface {
+	Exec(query string, args ...any) (sql.Result, error)
+}
+
+func (s *Store) insertAccountEvent(db dbExecer, actor, entrance, owner, action, detail string) error {
+	idRaw := make([]byte, 8)
+	if _, err := rand.Read(idRaw); err != nil {
+		return err
+	}
+	_, err := db.Exec(s.q(`INSERT INTO account_events(id,time,actor,entrance,owner,action,detail) VALUES(?,?,?,?,?,?,?)`),
+		"ae_"+hex.EncodeToString(idRaw), nowISO(), actor, entrance, owner, action, detail)
+	return err
+}
+
+// IssueLoginKey 签发一次性登录 Key。同事务：撤销同 owner+purpose 的 unused 旧 Key、
+// 作废该用户既有 set_password_only 会话（补发使旧恢复流程立即失效）、写签发审计。
+// 返回明文（仅此一次）与元数据；不改变账户密码、不吊销正常会话。
 func (s *Store) IssueLoginKey(owner, purpose, createdBy string, ttl time.Duration) (plain string, meta LoginKeyMeta, err error) {
 	if purpose != LoginKeyPurposeActivate && purpose != LoginKeyPurposeRecover {
 		return "", meta, fmt.Errorf("login key: invalid purpose %q", purpose)
@@ -79,10 +116,17 @@ func (s *Store) IssueLoginKey(owner, purpose, createdBy string, ttl time.Duratio
 		LoginKeyStatusRevoked, owner, purpose, LoginKeyStatusUnused); err != nil {
 		return "", meta, err
 	}
+	// 旧 Key 兑换出的受限会话一并作废：补发后只有最新 Key 能进入设密。
+	if _, err := tx.Exec(s.q(`DELETE FROM sessions WHERE owner=? AND scope=?`), owner, SessionScopeSetPasswordOnly); err != nil {
+		return "", meta, err
+	}
 	if _, err := tx.Exec(s.q(`INSERT INTO login_keys(id,owner,purpose,key_hash,status,expires_at,created_at,created_by) VALUES(?,?,?,?,?,?,?,?)`),
 		id, owner, purpose, hashKey(plain), LoginKeyStatusUnused, exp.Format(time.RFC3339Nano), now.Format(time.RFC3339Nano), createdBy); err != nil {
 		return "", meta, err
 	}
+	if err := s.insertAccountEvent(tx, createdBy, entranceOf(createdBy), owner, "login_key_issued", purpose+" "+id); err != nil {
+		return "", meta, err
+	}
 	if err := tx.Commit(); err != nil {
 		return "", meta, err
 	}
@@ -90,7 +134,18 @@ func (s *Store) IssueLoginKey(owner, purpose, createdBy string, ttl time.Duratio
 	return plain, meta, nil
 }
 
-// RevokeLoginKey 按凭据编号撤销未使用 Key。
+// entranceOf 按签发者标注入口（审计可归因；cli 前缀归 CLI，其余归管理员 HTTP）。
+func entranceOf(createdBy string) string {
+	if createdBy == "" {
+		return "api"
+	}
+	if createdBy == "cli" || createdBy == "cli-bootstrap" || (len(createdBy) > 4 && createdBy[:4] == "cli-") {
+		return "cli"
+	}
+	return "admin-http"
+}
+
+// RevokeLoginKey 按凭据编号撤销未使用 Key（CLI 既有语义，不动会话）。
 func (s *Store) RevokeLoginKey(id string) error {
 	res, err := s.db.Exec(s.q(`UPDATE login_keys SET status=? WHERE id=? AND status=?`),
 		LoginKeyStatusRevoked, id, LoginKeyStatusUnused)
@@ -103,8 +158,80 @@ func (s *Store) RevokeLoginKey(id string) error {
 	return nil
 }
 
-// RedeemLoginKey 原子消费：unused+未过期 → consumed，并创建 set_password_only 会话。
-// 明文不得走 Bearer；调用方专用 HTTP 入口。失败整体回滚。
+// RevokeLoginKeyCascade 撤销 Key 并作废该用户全部 set_password_only 会话（管理员
+// HTTP 入口）。Key 已消费/过期时仍返回属主并作废会话；编号不存在才报 NotFound。
+func (s *Store) RevokeLoginKeyCascade(id, actor string) (owner string, err error) {
+	tx, err := s.db.Begin()
+	if err != nil {
+		return "", err
+	}
+	defer tx.Rollback()
+	err = tx.QueryRow(s.q(`SELECT owner FROM login_keys WHERE id=?`), id).Scan(&owner)
+	if errors.Is(err, sql.ErrNoRows) {
+		return "", ErrNotFound
+	}
+	if err != nil {
+		return "", err
+	}
+	if _, err := tx.Exec(s.q(`UPDATE login_keys SET status=? WHERE id=? AND status=?`),
+		LoginKeyStatusRevoked, id, LoginKeyStatusUnused); err != nil {
+		return "", err
+	}
+	if _, err := tx.Exec(s.q(`DELETE FROM sessions WHERE owner=? AND scope=?`), owner, SessionScopeSetPasswordOnly); err != nil {
+		return "", err
+	}
+	if err := s.insertAccountEvent(tx, actor, "admin-http", owner, "login_key_revoked", id); err != nil {
+		return "", err
+	}
+	return owner, tx.Commit()
+}
+
+// ListLoginKeys 属主凭据元数据（时间倒序；无明文）。
+func (s *Store) ListLoginKeys(owner string) ([]LoginKeyMeta, error) {
+	rows, err := s.db.Query(s.q(`SELECT id,owner,purpose,status,expires_at,created_at,COALESCE(created_by,'') FROM login_keys WHERE owner=? ORDER BY created_at DESC LIMIT 50`), owner)
+	if err != nil {
+		return nil, err
+	}
+	defer rows.Close()
+	out := []LoginKeyMeta{}
+	for rows.Next() {
+		var m LoginKeyMeta
+		var exp, ca string
+		if err := rows.Scan(&m.ID, &m.Owner, &m.Purpose, &m.Status, &exp, &ca, &m.CreatedBy); err != nil {
+			return nil, err
+		}
+		m.ExpiresAt, _ = time.Parse(time.RFC3339Nano, exp)
+		m.CreatedAt, _ = time.Parse(time.RFC3339Nano, ca)
+		out = append(out, m)
+	}
+	return out, rows.Err()
+}
+
+// ListAccountEvents 属主账户事件（时间倒序；诊断/审计展示用）。
+func (s *Store) ListAccountEvents(owner string, limit int) ([]AccountEvent, error) {
+	if limit <= 0 || limit > 200 {
+		limit = 50
+	}
+	rows, err := s.db.Query(s.q(`SELECT id,time,COALESCE(actor,''),COALESCE(entrance,''),owner,action,COALESCE(detail,'') FROM account_events WHERE owner=? ORDER BY time DESC LIMIT ?`), owner, limit)
+	if err != nil {
+		return nil, err
+	}
+	defer rows.Close()
+	out := []AccountEvent{}
+	for rows.Next() {
+		var e AccountEvent
+		var ts string
+		if err := rows.Scan(&e.ID, &ts, &e.Actor, &e.Entrance, &e.Owner, &e.Action, &e.Detail); err != nil {
+			return nil, err
+		}
+		e.Time, _ = time.Parse(time.RFC3339Nano, ts)
+		out = append(out, e)
+	}
+	return out, rows.Err()
+}
+
+// RedeemLoginKey 原子消费：unused+未过期 → consumed，并创建 set_password_only 会话
+// （绑定账户当前 auth_version）。明文不得走 Bearer；调用方专用 HTTP 入口。失败整体回滚。
 func (s *Store) RedeemLoginKey(plain string) (token string, owner string, err error) {
 	if plain == "" || len(plain) < 5 || plain[:4] != "alk_" {
 		return "", "", ErrNotFound
@@ -140,14 +267,22 @@ func (s *Store) RedeemLoginKey(plain string) (token string, owner string, err er
 	if n, _ := res.RowsAffected(); n != 1 {
 		return "", "", ErrConflict
 	}
+	var authVersion int
+	err = tx.QueryRow(s.q(`SELECT auth_version FROM users WHERE owner=?`), o).Scan(&authVersion)
+	if err != nil {
+		return "", "", err // 账户已不存在：兑换失败整体回滚
+	}
 	raw := make([]byte, 32)
 	if _, err := rand.Read(raw); err != nil {
 		return "", "", err
 	}
 	token = "sess_" + hex.EncodeToString(raw)
 	sessExp := time.Now().Add(restrictedSessionTTL)
-	if _, err := tx.Exec(s.q(`INSERT INTO sessions(token_hash,owner,created_at,expires_at,last_seen_at,scope) VALUES(?,?,?,?,?,?)`),
-		hashKey(token), o, nowISO(), sessExp.UTC().Format(time.RFC3339Nano), nowISO(), SessionScopeSetPasswordOnly); err != nil {
+	if _, err := tx.Exec(s.q(`INSERT INTO sessions(token_hash,owner,created_at,expires_at,last_seen_at,scope,auth_version) VALUES(?,?,?,?,?,?,?)`),
+		hashKey(token), o, nowISO(), sessExp.UTC().Format(time.RFC3339Nano), nowISO(), SessionScopeSetPasswordOnly, authVersion); err != nil {
+		return "", "", err
+	}
+	if err := s.insertAccountEvent(tx, o, "login-key", o, "login_key_redeemed", id); err != nil {
 		return "", "", err
 	}
 	if err := tx.Commit(); err != nil {
@@ -156,15 +291,122 @@ func (s *Store) RedeemLoginKey(plain string) (token string, owner string, err er
 	return token, o, nil
 }
 
-// CompleteSetPassword 设密事务：写 hash、清 must_change、作废未用登录 Key、删除全部会话。
-func (s *Store) CompleteSetPassword(owner, passwordHash string) error {
+// CompleteSetPasswordChecked 设密事务（恢复/强制路径）：在最终事务内复验会话
+// （存在、未过期、scope 受限或账户仍处强制态、auth_version 未变），然后统一
+// 写 hash、清 must_change、bump auth_version、作废未用登录 Key、删除全部会话、
+// 写成功审计。会话或版本失效时返回 ErrConflict，不做任何写入。
+func (s *Store) CompleteSetPasswordChecked(token, passwordHash string) (owner string, err error) {
+	tx, err := s.db.Begin()
+	if err != nil {
+		return "", err
+	}
+	defer tx.Rollback()
+	var scope, sessExp string
+	var sessVer, userVer int
+	var mustChange bool
+	var hash sql.NullString
+	err = tx.QueryRow(s.q(`SELECT s.owner,s.scope,s.expires_at,s.auth_version,u.auth_version,u.must_change_password,u.password_hash
+		FROM sessions s JOIN users u ON u.owner=s.owner WHERE s.token_hash=?`), hashKey(token)).
+		Scan(&owner, &scope, &sessExp, &sessVer, &userVer, &mustChange, &hash)
+	if errors.Is(err, sql.ErrNoRows) {
+		return "", ErrNotFound
+	}
+	if err != nil {
+		return "", err
+	}
+	if expT, perr := time.Parse(time.RFC3339Nano, sessExp); perr != nil || time.Now().After(expT) {
+		return "", ErrNotFound
+	}
+	// 受限会话、待改密、未设密三者之一才允许免旧密码设密；其余按主动改密路径走。
+	if scope != SessionScopeSetPasswordOnly && !mustChange && (hash.Valid && hash.String != "") {
+		return "", ErrConflict
+	}
+	// 会话创建后账户凭据已变（并发改密/重置）：本次授权过期，拒绝继续。
+	if sessVer != userVer {
+		return "", ErrConflict
+	}
+	res, err := tx.Exec(s.q(`UPDATE users SET password_hash=?, password_set_at=?, must_change_password=?, auth_version=auth_version+1 WHERE owner=?`),
+		passwordHash, nowISO(), false, owner)
+	if err != nil {
+		return "", err
+	}
+	if n, _ := res.RowsAffected(); n == 0 {
+		return "", ErrNotFound
+	}
+	if _, err := tx.Exec(s.q(`UPDATE login_keys SET status=? WHERE owner=? AND status=?`),
+		LoginKeyStatusRevoked, owner, LoginKeyStatusUnused); err != nil {
+		return "", err
+	}
+	if _, err := tx.Exec(s.q(`DELETE FROM sessions WHERE owner=?`), owner); err != nil {
+		return "", err
+	}
+	entrance := "must-change"
+	if scope == SessionScopeSetPasswordOnly {
+		entrance = "recovery"
+	}
+	if err := s.insertAccountEvent(tx, owner, entrance, owner, "password_set", entrance); err != nil {
+		return "", err
+	}
+	return owner, tx.Commit()
+}
+
+// ChangeUserPasswordActive 主动改密单事务：校验当前密码 → 更新（带认证版本乐观
+// 检查）→ bump auth_version → 吊销其他会话（保留当前）→ 审计。中途失败无部分成功。
+func (s *Store) ChangeUserPasswordActive(owner, current, passwordHash, keepToken string) error {
 	tx, err := s.db.Begin()
 	if err != nil {
 		return err
 	}
 	defer tx.Rollback()
-	res, err := tx.Exec(s.q(`UPDATE users SET password_hash=?, password_set_at=?, must_change_password=? WHERE owner=?`),
-		passwordHash, nowISO(), false, owner)
+	var hash string
+	var ver int
+	var mustChange bool
+	err = tx.QueryRow(s.q(`SELECT password_hash,auth_version,must_change_password FROM users WHERE owner=?`), owner).
+		Scan(&hash, &ver, &mustChange)
+	if errors.Is(err, sql.ErrNoRows) {
+		return ErrNotFound
+	}
+	if err != nil {
+		return err
+	}
+	if mustChange || hash == "" {
+		// 强制态必须走受限设密路径，不在此处用旧密码换新密码。
+		return ErrConflict
+	}
+	if !VerifyPassword(hash, current) {
+		return ErrBadCredentials
+	}
+	res, err := tx.Exec(s.q(`UPDATE users SET password_hash=?, password_set_at=?, must_change_password=?, auth_version=auth_version+1 WHERE owner=? AND auth_version=?`),
+		passwordHash, nowISO(), false, owner, ver)
+	if err != nil {
+		return err
+	}
+	if n, _ := res.RowsAffected(); n == 0 {
+		return ErrConflict // 并发改密：版本已前进
+	}
+	if keepToken != "" {
+		if _, err := tx.Exec(s.q(`DELETE FROM sessions WHERE owner=? AND token_hash<>?`), owner, hashKey(keepToken)); err != nil {
+			return err
+		}
+	} else if _, err := tx.Exec(s.q(`DELETE FROM sessions WHERE owner=?`), owner); err != nil {
+		return err
+	}
+	if err := s.insertAccountEvent(tx, owner, "settings", owner, "password_change", ""); err != nil {
+		return err
+	}
+	return tx.Commit()
+}
+
+// AdminResetUserPassword 管理员/CLI 重置密码单事务：写 hash、must_change=true、
+// bump auth_version、作废未用登录 Key、吊销全部会话、审计（actor 为操作者）。
+func (s *Store) AdminResetUserPassword(owner, passwordHash, actor, entrance string) error {
+	tx, err := s.db.Begin()
+	if err != nil {
+		return err
+	}
+	defer tx.Rollback()
+	res, err := tx.Exec(s.q(`UPDATE users SET password_hash=?, password_set_at=?, must_change_password=?, auth_version=auth_version+1 WHERE owner=?`),
+		passwordHash, nowISO(), true, owner)
 	if err != nil {
 		return err
 	}
@@ -178,6 +420,12 @@ func (s *Store) CompleteSetPassword(owner, passwordHash string) error {
 	if _, err := tx.Exec(s.q(`DELETE FROM sessions WHERE owner=?`), owner); err != nil {
 		return err
 	}
+	if entrance == "" {
+		entrance = entranceOf(actor)
+	}
+	if err := s.insertAccountEvent(tx, actor, entrance, owner, "admin_password_reset", ""); err != nil {
+		return err
+	}
 	return tx.Commit()
 }
 
diff --git a/internal/store/login_keys_test.go b/internal/store/login_keys_test.go
index dc048b8..94f0974 100644
--- a/internal/store/login_keys_test.go
+++ b/internal/store/login_keys_test.go
@@ -5,6 +5,7 @@ import (
 	"sync"
 	"sync/atomic"
 	"testing"
+	"time"
 )
 
 func TestOpenExistingSQLiteMissing(t *testing.T) {
@@ -42,7 +43,7 @@ func TestLoginKeyRedeemOnceAndSetPassword(t *testing.T) {
 	if err != nil {
 		t.Fatal(err)
 	}
-	if err := st.CompleteSetPassword("alice", hash); err != nil {
+	if _, err := st.CompleteSetPasswordChecked(tok, hash); err != nil {
 		t.Fatal(err)
 	}
 	if _, _, ok := st.SessionInfo(tok); ok {
@@ -52,6 +53,17 @@ func TestLoginKeyRedeemOnceAndSetPassword(t *testing.T) {
 	if !ok || stAuth.MustChangePassword || !stAuth.HasPassword {
 		t.Fatalf("login after set: ok=%v %+v", ok, stAuth)
 	}
+	events, err := st.ListAccountEvents("alice", 10)
+	if err != nil {
+		t.Fatal(err)
+	}
+	actions := map[string]bool{}
+	for _, e := range events {
+		actions[e.Action] = true
+	}
+	if !actions["login_key_issued"] || !actions["login_key_redeemed"] || !actions["password_set"] {
+		t.Fatalf("missing account events: %+v", events)
+	}
 }
 
 func TestLoginKeyConcurrentRedeem(t *testing.T) {
@@ -83,3 +95,268 @@ func TestLoginKeyConcurrentRedeem(t *testing.T) {
 		t.Fatalf("expected 1 success, got %d", n)
 	}
 }
+
+// 补发：旧 Key 未用则撤销；已兑换出的受限会话一并作废，最新 Key 才能设密。
+func TestIssueLoginKeyRevokesDerivedSessions(t *testing.T) {
+	st, err := OpenSQLite(filepath.Join(t.TempDir(), "reissue.db"))
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer st.Close()
+	if err := st.CreateAccount("carol", "", "", false); err != nil {
+		t.Fatal(err)
+	}
+	old1, _, err := st.IssueLoginKey("carol", LoginKeyPurposeRecover, "test", 0)
+	if err != nil {
+		t.Fatal(err)
+	}
+	oldTok, _, err := st.RedeemLoginKey(old1)
+	if err != nil {
+		t.Fatal(err)
+	}
+	old2, _, err := st.IssueLoginKey("carol", LoginKeyPurposeRecover, "test", 0)
+	if err != nil {
+		t.Fatal(err)
+	}
+	// 旧 Key 的受限会话已作废。
+	if _, _, ok := st.SessionInfo(oldTok); ok {
+		t.Fatal("restricted session from superseded key should be revoked")
+	}
+	// 旧 Key 未用场景同样撤销（old1 已消费，此处验证 old2 补发路径）。
+	new1, _, err := st.IssueLoginKey("carol", LoginKeyPurposeRecover, "test", 0)
+	if err != nil {
+		t.Fatal(err)
+	}
+	if _, _, err := st.RedeemLoginKey(old2); err == nil {
+		t.Fatal("revoked (superseded) key must not redeem")
+	}
+	tok, _, err := st.RedeemLoginKey(new1)
+	if err != nil {
+		t.Fatal(err)
+	}
+	hash, err := HashPassword("carol-final-99")
+	if err != nil {
+		t.Fatal(err)
+	}
+	if _, err := st.CompleteSetPasswordChecked(tok, hash); err != nil {
+		t.Fatal(err)
+	}
+}
+
+// 改密事务内复验：会话被作废后不得继续设密；正常受限会话设密后认证版本前进。
+func TestCompleteSetPasswordRevalidatesSession(t *testing.T) {
+	st, err := OpenSQLite(filepath.Join(t.TempDir(), "revalidate.db"))
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer st.Close()
+	if err := st.CreateAccount("dave", "", "", false); err != nil {
+		t.Fatal(err)
+	}
+	plain, _, err := st.IssueLoginKey("dave", LoginKeyPurposeRecover, "test", 0)
+	if err != nil {
+		t.Fatal(err)
+	}
+	tok, _, err := st.RedeemLoginKey(plain)
+	if err != nil {
+		t.Fatal(err)
+	}
+	// 会话被签发补发作废后，设密必须失败。
+	if _, _, err := st.IssueLoginKey("dave", LoginKeyPurposeRecover, "test", 0); err != nil {
+		t.Fatal(err)
+	}
+	hash, err := HashPassword("dave-final-99")
+	if err != nil {
+		t.Fatal(err)
+	}
+	if _, err := st.CompleteSetPasswordChecked(tok, hash); err == nil {
+		t.Fatal("set password with revoked session must fail")
+	}
+	stAuth, _ := st.GetUserAuthState("dave")
+	if stAuth.HasPassword {
+		t.Fatal("password must be unchanged after rejected set")
+	}
+	// 新 Key 兑换出的会话可以设密，且版本前进、旧密码不适用（未设密前无旧密码）。
+	plain2, _, err := st.IssueLoginKey("dave", LoginKeyPurposeRecover, "test", 0)
+	if err != nil {
+		t.Fatal(err)
+	}
+	tok2, _, err := st.RedeemLoginKey(plain2)
+	if err != nil {
+		t.Fatal(err)
+	}
+	if _, err := st.CompleteSetPasswordChecked(tok2, hash); err != nil {
+		t.Fatal(err)
+	}
+	if _, _, ok := st.SessionInfo(tok2); ok {
+		t.Fatal("all sessions must be destroyed after set")
+	}
+}
+
+// 主动改密：错旧密码拒绝；并发版本竞争单胜；当前会话保留、其他吊销。
+func TestChangeUserPasswordActive(t *testing.T) {
+	st, err := OpenSQLite(filepath.Join(t.TempDir(), "active.db"))
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer st.Close()
+	hash, err := HashPassword("original-pass-1")
+	if err != nil {
+		t.Fatal(err)
+	}
+	if err := st.CreateAccount("erin", "", hash, false); err != nil {
+		t.Fatal(err)
+	}
+	if err := st.ClearMustChangePassword("erin"); err != nil {
+		t.Fatal(err)
+	}
+	keepTok, err := st.CreateSession("erin")
+	if err != nil {
+		t.Fatal(err)
+	}
+	otherTok, err := st.CreateSession("erin")
+	if err != nil {
+		t.Fatal(err)
+	}
+	newHash, err := HashPassword("rotated-pass-2")
+	if err != nil {
+		t.Fatal(err)
+	}
+	if err := st.ChangeUserPasswordActive("erin", "wrong-old-pass", newHash, keepTok); err != ErrBadCredentials {
+		t.Fatalf("wrong current: %v", err)
+	}
+	if err := st.ChangeUserPasswordActive("erin", "original-pass-1", newHash, keepTok); err != nil {
+		t.Fatal(err)
+	}
+	if _, _, ok := st.SessionInfo(keepTok); !ok {
+		t.Fatal("current session must survive active change")
+	}
+	if _, _, ok := st.SessionInfo(otherTok); ok {
+		t.Fatal("other sessions must be revoked")
+	}
+	stAuth, ok := st.VerifyLogin("erin", "rotated-pass-2")
+	if !ok || stAuth.MustChangePassword {
+		t.Fatalf("login with new password: ok=%v %+v", ok, stAuth)
+	}
+	if _, ok := st.VerifyLogin("erin", "original-pass-1"); ok {
+		t.Fatal("old password must fail after change")
+	}
+}
+
+// 登录竞态：密码验证与建会话之间账户被重置（版本前进）时，会话创建必须失败。
+func TestLoginRaceBlockedByAuthVersion(t *testing.T) {
+	st, err := OpenSQLite(filepath.Join(t.TempDir(), "race.db"))
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer st.Close()
+	hash, err := HashPassword("race-old-pass")
+	if err != nil {
+		t.Fatal(err)
+	}
+	if err := st.CreateAccount("frank", "", hash, false); err != nil {
+		t.Fatal(err)
+	}
+	if err := st.ClearMustChangePassword("frank"); err != nil {
+		t.Fatal(err)
+	}
+	_, ver, ok := st.VerifyLoginWithVersion("frank", "race-old-pass")
+	if !ok {
+		t.Fatal("verify should pass before reset")
+	}
+	resetHash, err := HashPassword("race-new-pass")
+	if err != nil {
+		t.Fatal(err)
+	}
+	if err := st.AdminResetUserPassword("frank", resetHash, "admin", "admin-http"); err != nil {
+		t.Fatal(err)
+	}
+	if _, err := st.CreateSessionVerified("frank", SessionScopeFull, time.Minute, ver); err != ErrConflict {
+		t.Fatalf("stale version session creation: %v", err)
+	}
+	// 新密码 + 新版本可建会话。
+	_, ver2, ok := st.VerifyLoginWithVersion("frank", "race-new-pass")
+	if !ok {
+		t.Fatal("verify with new password should pass")
+	}
+	if ver2 == ver {
+		t.Fatal("auth version should have advanced after reset")
+	}
+	if _, err := st.CreateSessionVerified("frank", SessionScopeFull, time.Minute, ver2); err != nil {
+		t.Fatalf("fresh version session creation: %v", err)
+	}
+}
+
+// 管理员重置：版本前进、会话与未用 Key 全部作废、must_change 置位。
+func TestAdminResetUserPasswordInvalidates(t *testing.T) {
+	st, err := OpenSQLite(filepath.Join(t.TempDir(), "adminreset.db"))
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer st.Close()
+	hash, err := HashPassword("admin-old-pass")
+	if err != nil {
+		t.Fatal(err)
+	}
+	if err := st.CreateAccount("gina", "", hash, false); err != nil {
+		t.Fatal(err)
+	}
+	if err := st.ClearMustChangePassword("gina"); err != nil {
+		t.Fatal(err)
+	}
+	tok, err := st.CreateSession("gina")
+	if err != nil {
+		t.Fatal(err)
+	}
+	plain, _, err := st.IssueLoginKey("gina", LoginKeyPurposeRecover, "test", 0)
+	if err != nil {
+		t.Fatal(err)
+	}
+	newHash, err := HashPassword("admin-new-pass")
+	if err != nil {
+		t.Fatal(err)
+	}
+	if err := st.AdminResetUserPassword("gina", newHash, "admin", "admin-http"); err != nil {
+		t.Fatal(err)
+	}
+	if _, _, ok := st.SessionInfo(tok); ok {
+		t.Fatal("sessions must be revoked after admin reset")
+	}
+	if _, _, err := st.RedeemLoginKey(plain); err == nil {
+		t.Fatal("unused login key must be revoked after admin reset")
+	}
+	stAuth, ok := st.VerifyLogin("gina", "admin-new-pass")
+	if !ok || !stAuth.MustChangePassword {
+		t.Fatalf("reset login state: ok=%v %+v", ok, stAuth)
+	}
+}
+
+// RevokeLoginKeyCascade：撤销 Key 并作废该用户受限会话；Key 元数据保留可见。
+func TestRevokeLoginKeyCascade(t *testing.T) {
+	st, err := OpenSQLite(filepath.Join(t.TempDir(), "cascade.db"))
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer st.Close()
+	if err := st.CreateAccount("hana", "", "", false); err != nil {
+		t.Fatal(err)
+	}
+	plain, meta, err := st.IssueLoginKey("hana", LoginKeyPurposeRecover, "test", 0)
+	if err != nil {
+		t.Fatal(err)
+	}
+	tok, _, err := st.RedeemLoginKey(plain)
+	if err != nil {
+		t.Fatal(err)
+	}
+	if _, err := st.RevokeLoginKeyCascade(meta.ID, "admin"); err != nil {
+		t.Fatal(err)
+	}
+	if _, _, ok := st.SessionInfo(tok); ok {
+		t.Fatal("restricted session must be revoked by cascade")
+	}
+	keys, err := st.ListLoginKeys("hana")
+	if err != nil || len(keys) == 0 || keys[0].Status != LoginKeyStatusConsumed {
+		t.Fatalf("key list after cascade: %v %+v", err, keys)
+	}
+}
diff --git a/internal/store/migrate.go b/internal/store/migrate.go
index 6dbac23..f36444c 100644
--- a/internal/store/migrate.go
+++ b/internal/store/migrate.go
@@ -778,6 +778,47 @@ func init() {
 			}, "postgres": {
 				`DROP TABLE IF EXISTS agent_system_identity`,
 			}}},
+		// 登录恢复流程（2026-10-13）：认证版本与会话绑定，堵「旧密码验证在途 →
+		// 恢复完成 → 旧请求又建会话」竞态；账户事件审计与密码变更同事务落库。
+		migration{version: 28, name: "auth_version_account_events",
+			up: map[string][]string{"sqlite": {
+				`ALTER TABLE users ADD COLUMN auth_version INTEGER NOT NULL DEFAULT 0`,
+				`ALTER TABLE sessions ADD COLUMN auth_version INTEGER NOT NULL DEFAULT 0`,
+				`CREATE TABLE IF NOT EXISTS account_events (
+					id TEXT PRIMARY KEY,
+					time TEXT NOT NULL,
+					actor TEXT NOT NULL DEFAULT '',
+					entrance TEXT NOT NULL DEFAULT '',
+					owner TEXT NOT NULL,
+					action TEXT NOT NULL,
+					detail TEXT NOT NULL DEFAULT ''
+				)`,
+				`CREATE INDEX IF NOT EXISTS idx_account_events_owner_time ON account_events(owner, time)`,
+			}, "postgres": {
+				`ALTER TABLE users ADD COLUMN auth_version INTEGER NOT NULL DEFAULT 0`,
+				`ALTER TABLE sessions ADD COLUMN auth_version INTEGER NOT NULL DEFAULT 0`,
+				`CREATE TABLE IF NOT EXISTS account_events (
+					id TEXT PRIMARY KEY,
+					time TEXT NOT NULL,
+					actor TEXT NOT NULL DEFAULT '',
+					entrance TEXT NOT NULL DEFAULT '',
+					owner TEXT NOT NULL,
+					action TEXT NOT NULL,
+					detail TEXT NOT NULL DEFAULT ''
+				)`,
+				`CREATE INDEX IF NOT EXISTS idx_account_events_owner_time ON account_events(owner, time)`,
+			}},
+			down: map[string][]string{"sqlite": {
+				`DROP INDEX IF EXISTS idx_account_events_owner_time`,
+				`DROP TABLE IF EXISTS account_events`,
+				`ALTER TABLE sessions DROP COLUMN auth_version`,
+				`ALTER TABLE users DROP COLUMN auth_version`,
+			}, "postgres": {
+				`DROP INDEX IF EXISTS idx_account_events_owner_time`,
+				`DROP TABLE IF EXISTS account_events`,
+				`ALTER TABLE sessions DROP COLUMN auth_version`,
+				`ALTER TABLE users DROP COLUMN auth_version`,
+			}}},
 	)
 }
 
diff --git a/internal/store/migrate_compat.go b/internal/store/migrate_compat.go
index cd8e6fb..5eb403a 100644
--- a/internal/store/migrate_compat.go
+++ b/internal/store/migrate_compat.go
@@ -32,6 +32,7 @@ var migrationBreaksOldReaders = map[int]bool{
 	25: false,
 	26: false,
 	27: false,
+	28: false, // auth_version_account_events：仅加列与新表，旧读者不受影响
 }
 
 // SchemaTarget 是本二进制会迁移到的 schema 版本。