diff --git a/runtime/refactor_baseline_v1.yaml b/runtime/refactor_baseline_v1.yaml
index c1f4683..83af80c 100644
--- a/runtime/refactor_baseline_v1.yaml
+++ b/runtime/refactor_baseline_v1.yaml
@@ -15,5 +15,5 @@
       "keep package scripts within release envelope"
     ]
   },
-  "source_zip_sha256": "c1949f9ab22a1baf50e71a4252c932c6f09997478328ae6aa929b42ebed2cbf1"
+  "source_zip_sha256": "acb8abea2ca65c86d834683350514874403028373ae627533459484e25a23f2e"
 }
\ No newline at end of file
diff --git a/src/gas_adapter_parts/gdc_01_fetch_fundamentals.gs b/src/gas_adapter_parts/gdc_01_fetch_fundamentals.gs
index a7fe5ad..4857344 100644
--- a/src/gas_adapter_parts/gdc_01_fetch_fundamentals.gs
+++ b/src/gas_adapter_parts/gdc_01_fetch_fundamentals.gs
@@ -2194,18 +2194,29 @@ function runDataFeed() {
     };
   });
 
-  // WBS-1.2: total_asset_krw 실시간 재계산 (2-pass update cycle)
-  let liveTotalAssetKrw = Number.isFinite(settlementCashD2_) ? settlementCashD2_ : 0;
-  for (const ticker of Object.keys(positionStopMap_)) {
-    const priceMetrics = resolveDataFeedPriceMetrics(ticker);
-    const qty = positionStopMap_[ticker].quantity;
-    if (priceMetrics.ok && Number.isFinite(priceMetrics.close) && Number.isFinite(qty)) {
-      liveTotalAssetKrw += priceMetrics.close * qty;
+  // WBS-1.2: total_asset_krw 실시간 재계산 (2-pass differential: HTS 기준 + Naver 가격 델타)
+  // 구 방식(D2현금 + Naver 주가 합산)은 ISA·연금저축·CMA ~10M을 누락해 과소계상됨.
+  // 수정: HTS 캡처 총액을 기준으로 개별주 Naver-HTS 가격 차이(delta)만 반영한다.
+  if (Number.isFinite(totalAssetKrw_) && totalAssetKrw_ > 0) {
+    let priceUpdateKrw = 0, updateCount = 0;
+    for (const ticker of Object.keys(positionStopMap_)) {
+      const priceMetrics = resolveDataFeedPriceMetrics(ticker);
+      const pos = positionStopMap_[ticker];
+      const qty = pos.quantity;
+      const htsMv = pos.account_market_value;
+      if (priceMetrics.ok && Number.isFinite(priceMetrics.close) && Number.isFinite(qty)
+          && Number.isFinite(htsMv) && htsMv > 0) {
+        priceUpdateKrw += (priceMetrics.close * qty) - htsMv;
+        updateCount++;
+      }
+    }
+    if (updateCount > 0) {
+      const liveTotal = totalAssetKrw_ + priceUpdateKrw;
+      if (liveTotal > 0) {
+        totalAssetKrw_ = liveTotal;
+        Logger.log(`[WBS-1.2] total_asset_krw 재계산 완료: ${totalAssetKrw_} KRW (delta: ${priceUpdateKrw}, ${updateCount}종목 반영)`);
+      }
     }
-  }
-  if (liveTotalAssetKrw > 0) {
-    totalAssetKrw_ = liveTotalAssetKrw;
-    Logger.log(`[WBS-1.2] total_asset_krw 실시간 재계산 완료: ${totalAssetKrw_} KRW (현금: ${settlementCashD2_})`);
   }
 
   // Total_Heat 사전 계산 — HF005(≥10% 매수 차단) + caution(7~10% 수량 감액)에 사용
diff --git a/src/quant_engine/compute_formula_outputs.py b/src/quant_engine/compute_formula_outputs.py
index 8b57dbd..04d11f3 100644
--- a/src/quant_engine/compute_formula_outputs.py
+++ b/src/quant_engine/compute_formula_outputs.py
@@ -324,16 +324,13 @@ def main() -> int:
     sell_priority    = raw.get("data", {}).get("sell_priority",    []) or []
     core_satellite   = raw.get("data", {}).get("core_satellite",   []) or []
 
-    # ── TOTAL ASSET CALCULATION ─────────────────────────────────────────────
-    # Sum market_value of all holdings + available_cash (if present in context)
-    holdings_value = sum(float(r.get("market_value", 0) or 0) for r in account_snapshot if r.get("market_value"))
-    
-    # Try to find cash in snapshot or context
-    cash_d2 = float(hc.get("settlement_cash_d2_krw") or hc.get("available_cash") or 0)
-    total_asset = holdings_value + cash_d2
-    
-    hc["total_asset_krw"] = round(total_asset)
-    hc["total_asset"] = round(total_asset)
+    # ── TOTAL ASSET SYNC ────────────────────────────────────────────────────
+    # settings.total_asset_krw (HTS 캡처)를 정원(正源)으로 동기화.
+    # GAS 하네스가 stale일 때 hc 값이 낮게 유지되는 문제를 방지한다.
+    _settings_total = float((raw.get("data") or {}).get("settings", {}).get("total_asset_krw") or 0)
+    if _settings_total > 0:
+        hc["total_asset_krw"] = round(_settings_total)
+        hc["total_asset"] = round(_settings_total)
 
     regime = str(hc.get("market_regime", "NEUTRAL"))
 
diff --git a/src/quant_engine/inject_computed_harness.py b/src/quant_engine/inject_computed_harness.py
index 8113ddb..060035f 100644
--- a/src/quant_engine/inject_computed_harness.py
+++ b/src/quant_engine/inject_computed_harness.py
@@ -855,8 +855,9 @@ def main() -> int:
 
     # 공통 집계값
     total_asset  = float(
-        computed_harness.get("total_asset_krw") or 
-        hc.get("total_asset_krw") or 
+        computed_harness.get("total_asset_krw") or
+        settings_map.get("total_asset_krw") or     # HTS 캡처 기준(stale 하네스보다 최신)
+        hc.get("total_asset_krw") or
         hc.get("total_asset") or 0
     )
     total_heat   = float(hc.get("total_heat_pct") or 0)
@@ -873,6 +874,10 @@ def main() -> int:
     log(SEP)
 
     injected: dict[str, object] = {}
+    # total_asset_krw를 정규화된 값으로 하네스에 기록 (stale GAS 값 덮어쓰기)
+    if total_asset > 0:
+        injected["total_asset_krw"] = round(total_asset)
+
     fresh_captured_at = latest_snapshot_captured_at_iso(acct_snap)
     if fresh_captured_at:
         injected["captured_at"] = fresh_captured_at