diff --git a/app/game-engine/src/turn/ai/policies.ts b/app/game-engine/src/turn/ai/policies.ts
index ea669aad..7968bd69 100644
--- a/app/game-engine/src/turn/ai/policies.ts
+++ b/app/game-engine/src/turn/ai/policies.ts
@@ -314,8 +314,10 @@ export class AutorunNationPolicy {
         const stat = scenarioConfig.stat;
         if (this.reqNpcWarGold === 0 || this.reqNpcWarRice === 0) {
             const crewType = findCrewTypeById(unitSet, env.defaultCrewTypeId);
-            const baseGold = crewType ? crewType.cost * getTechCost(tech, env.maxTechLevel) * stat.npcMax : 0;
-            const baseRice = crewType ? crewType.rice * getTechCost(tech, env.maxTechLevel) * stat.npcMax : 0;
+            // Ref costWithTech() receives a troop count, not a leadership value.
+            // The policy funds four complete recruitments at the NPC stat cap.
+            const baseGold = crewType ? crewType.cost * getTechCost(tech, env.maxTechLevel) * stat.npcMax * 100 : 0;
+            const baseRice = crewType ? crewType.rice * getTechCost(tech, env.maxTechLevel) * stat.npcMax * 100 : 0;
             if (this.reqNpcWarGold === 0) {
                 this.reqNpcWarGold = roundTo(baseGold * 4, -2);
             }
@@ -326,8 +328,8 @@ export class AutorunNationPolicy {
 
         if (this.reqHumanWarUrgentGold === 0 || this.reqHumanWarUrgentRice === 0) {
             const crewType = findCrewTypeById(unitSet, env.defaultCrewTypeId);
-            const baseGold = crewType ? crewType.cost * getTechCost(tech, env.maxTechLevel) * stat.max : 0;
-            const baseRice = crewType ? crewType.rice * getTechCost(tech, env.maxTechLevel) * stat.max : 0;
+            const baseGold = crewType ? crewType.cost * getTechCost(tech, env.maxTechLevel) * stat.max * 100 : 0;
+            const baseRice = crewType ? crewType.rice * getTechCost(tech, env.maxTechLevel) * stat.max * 100 : 0;
             if (this.reqHumanWarUrgentGold === 0) {
                 this.reqHumanWarUrgentGold = roundTo(baseGold * 6, -2);
             }
diff --git a/app/game-engine/test/npcPolicyLifecycle.test.ts b/app/game-engine/test/npcPolicyLifecycle.test.ts
index 009eb8e6..98272554 100644
--- a/app/game-engine/test/npcPolicyLifecycle.test.ts
+++ b/app/game-engine/test/npcPolicyLifecycle.test.ts
@@ -176,6 +176,32 @@ const unitSet: UnitSetDefinition = {
 };
 
 describe('NPC policy lifecycle', () => {
+    it('keeps hard-invader starting resources below the Ref-compatible NPC war funding target', () => {
+        const hardInvaderNation = {
+            ...snapshot.nations[0]!,
+            name: 'ⓞ강족',
+            meta: { ...snapshot.nations[0]!.meta, tech: 15_000 },
+        };
+        const hardInvaderScenario = structuredClone(snapshot.scenarioConfig);
+        hardInvaderScenario.stat.npcMax = 80;
+        const hardInvaderGeneral = { ...general, npcState: 9, gold: 99_999, rice: 99_999 };
+        const policy = new AutorunNationPolicy({
+            general: hardInvaderGeneral,
+            aiOptions: null,
+            nationPolicy: null,
+            serverPolicy: null,
+            nation: hardInvaderNation,
+            env: { ...commandEnv, maxTechLevel: 12 },
+            scenarioConfig: hardInvaderScenario,
+            unitSet,
+        });
+
+        expect(policy.reqNpcWarGold).toBe(806_400);
+        expect(policy.reqNpcWarRice).toBe(806_400);
+        expect(hardInvaderGeneral.gold).toBeLessThan(policy.reqNpcWarGold);
+        expect(hardInvaderGeneral.rice).toBeLessThan(policy.reqNpcWarRice);
+    });
+
     it('applies CAS-protected semantic policy changes and the next AI instance consumes them without scheduler changes', () => {
         const world = new InMemoryTurnWorld(state, snapshot, { schedule });
         const first = applyNpcPolicyMutation({
@@ -254,8 +280,10 @@ describe('NPC policy lifecycle', () => {
         expect(policy.reqNationGold).toBe(4_321);
         expect(policy.priority).toEqual(['천도']);
         expect(policy.reqNpcDevelGold).toBe(540);
-        expect(policy.reqNpcWarGold).toBe(3_900);
-        expect(policy.reqNpcWarRice).toBe(3_900);
+        expect(policy.reqNpcWarGold).toBe(391_500);
+        expect(policy.reqNpcWarRice).toBe(391_500);
+        expect(policy.reqHumanWarUrgentGold).toBe(626_400);
+        expect(policy.reqHumanWarUrgentRice).toBe(626_400);
 
         const beforeConflict = structuredClone(world.getNationById(1)?.meta);
         expect(