diff --git a/apps/api/src/modules/loop-engine/__tests__/turn-runner-acceptance.test.ts b/apps/api/src/modules/loop-engine/__tests__/turn-runner-acceptance.test.ts
index 6e5550b..fe39e2f 100644
--- a/apps/api/src/modules/loop-engine/__tests__/turn-runner-acceptance.test.ts
+++ b/apps/api/src/modules/loop-engine/__tests__/turn-runner-acceptance.test.ts
@@ -2290,4 +2290,47 @@ describe('auto 步:配方在拍首跑', () => {
     expect(h.written).toHaveLength(1);
     expect(h.decided).toHaveLength(1);
   });
+
+  it('卡答过了、这一步又没有 doneWhen → 收步(人已经签了,收步是照实记录)', async () => {
+    const h = harness({
+      parsed: AUTO_MODEL,
+      runtime: { items: [{ id: 'S1', state: 'Active', worldTouched: true }] } as never,
+      unanswered: [],
+      sfeelCondition: () => false,
+      steps: [
+        {
+          item: 'S1',
+          guide: '',
+          writes: [],
+          reads: [],
+          tools: [],
+          auto: { do: [{ kind: 'card', as: 'decide', variant: 'review', title: '结论审核', options: [{ value: 'approve', label: '确认通过' }], basis: [{ k: 'a', v: 'b' }] }] },
+        },
+      ],
+    });
+    const out = await h.runner.runTurn(TASK);
+    expect(h.issued).toHaveLength(0);
+    expect(out.runtime.items.find((i) => i.id === 'S1')?.state).toBe('Completed');
+  });
+
+  it('卡还没发过就不收 —— 那才是替人签字', async () => {
+    const h = harness({
+      parsed: AUTO_MODEL,
+      runtime: AUTO_RUNTIME,
+      sfeelCondition: () => false,
+      steps: [
+        {
+          item: 'S1',
+          guide: '',
+          writes: [],
+          reads: [],
+          tools: [],
+          auto: { do: [{ kind: 'card', as: 'decide', variant: 'review', title: '结论审核', options: [{ value: 'approve', label: '确认通过' }], basis: [{ k: 'a', v: 'b' }] }] },
+        },
+      ],
+    });
+    const out = await h.runner.runTurn(TASK);
+    expect(h.issued).toHaveLength(1);
+    expect(out.runtime.items.find((i) => i.id === 'S1')?.state).not.toBe('Completed');
+  });
 });
diff --git a/apps/api/src/modules/loop-engine/internal/usecase/auto-runner.ts b/apps/api/src/modules/loop-engine/internal/usecase/auto-runner.ts
index a0f4db5..ad6c187 100644
--- a/apps/api/src/modules/loop-engine/internal/usecase/auto-runner.ts
+++ b/apps/api/src/modules/loop-engine/internal/usecase/auto-runner.ts
@@ -54,6 +54,11 @@ export type AutoOutcome = {
 
 const keyText = (key: Readonly<Record<string, string>>): string => Object.values(key).join('|');
 
+/** 这份配方会不会发卡 —— 「卡答过了就收步」那道门要问它 */
+export function recipeIssuesCard(recipe: AutoRecipe): boolean {
+  return recipe.do.some((action) => action.kind === 'card');
+}
+
 export function createAutoRunner(deps: AutoRunnerDeps): {
   run(recipe: AutoRecipe, ctx: AutoContext): Promise<AutoOutcome>;
 } {
diff --git a/apps/api/src/modules/loop-engine/internal/usecase/turn-runner.ts b/apps/api/src/modules/loop-engine/internal/usecase/turn-runner.ts
index 5cc6190..4374f2f 100644
--- a/apps/api/src/modules/loop-engine/internal/usecase/turn-runner.ts
+++ b/apps/api/src/modules/loop-engine/internal/usecase/turn-runner.ts
@@ -25,7 +25,7 @@ import type {
 import { parseCmmn } from '../domain/cmmn-parse.ts';
 import type { CaseModel } from '../domain/cmmn-parse.ts';
 import type { CaseRuntime } from '../domain/lifecycle.ts';
-import { createAutoRunner } from './auto-runner.ts';
+import { createAutoRunner, recipeIssuesCard } from './auto-runner.ts';
 import {
   achieveMilestones,
   autoCompleteReady,
@@ -2016,6 +2016,30 @@ export function createTurnRunner(deps: TurnRunnerDeps): LoopEngineService {
             return { runtime: reswept.runtime, enabled: reswept.enabled, navigation: { kind: 'converged' }, status: 'running' };
           }
         }
+        /*
+         * **卡答过了就收步**(spec §5.5)。走到这儿的四个前提都成立:
+         * 这一步声明了 auto、卡发过(worldTouched)、这一拍没有未答的卡(前面 unanswered 把住)、
+         * 配方这一拍也没再发新卡。**人已经签了字,收步是照实记录,不是替人签字** ——
+         * 「人工激活项不给 doneWhen」那条纪律防的是引擎抢在人前面,这里人在前面。
+         */
+        const noDoneWhen = current.doneWhen === undefined || current.doneWhen.trim() === '';
+        const carded = stateRuntime.items.find((i) => i.id === current.item)?.worldTouched === true;
+        if (noDoneWhen && carded && recipeIssuesCard(current.auto)) {
+          const active = readyToWork(parsed, stateRuntime, current.item);
+          const settled = transitionItem(active, current.item, 'Completed');
+          await deps.memory.append({
+            taskId,
+            kind: 'engine-transition',
+            /* 标题别以「完成」开头 —— `task-log.actorOf` 按 /^(完成|开始办)/ 认 AI,而这一步是引擎收的 */
+            title: `自动收步:${current.item} —— 卡已交回,这一步到此为止`,
+            detail: { internal: true, item: current.item, auto: current.item },
+          });
+          await deps.state.save(taskId, model, parsed, settled);
+          /* `Navigation.kind` 没有 'progressed' 这一档(只有 proceed/breakpoint/converged,
+             见上面 2014 行那条注释)—— 这一拍到此为止、下一拍重新导航,同一种写法 */
+          return { runtime: settled, enabled: stateEnabled, navigation: { kind: 'converged' }, status: 'running' };
+        }
+
         if (current.guide.trim() === '') {
           /* 没有 guide、没发卡、doneWhen 也不成立 → 配方没做到位,是包的 bug,交人 */
           await deps.memory.append({