diff --git a/utils/decorator/points_decorator.py b/utils/decorator/points_decorator.py
index 0b8afe3..ffcf0ff 100644
--- a/utils/decorator/points_decorator.py
+++ b/utils/decorator/points_decorator.py
@@ -71,7 +71,10 @@ def _resolve_points_cost_profile(plugin_instance: Any, message: Dict[str, Any],
     target_spend_ratio = float(_read_points_inflation_config(inflation_config, "target_spend_ratio", 0.08) or 0.08)
     ratio_per_step = float(_read_points_inflation_config(inflation_config, "ratio_per_step", 0.02) or 0.02)
     multiplier_step = float(_read_points_inflation_config(inflation_config, "multiplier_step", 0.5) or 0.5)
-    max_multiplier = float(_read_points_inflation_config(inflation_config, "max_multiplier", 3.0) or 3.0)
+    # 这里把默认最高倍率提升到 20 倍：
+    # 当群积分长期沉淀、插件消耗占比持续偏低时，允许系统更激进地抬高消耗，
+    # 这样才能更快把“花不掉的积分”重新赶回流通。
+    max_multiplier = float(_read_points_inflation_config(inflation_config, "max_multiplier", 20.0) or 20.0)
 
     try:
         db_manager = DBConnectionManager.get_instance()