diff --git a/lib/comm_plan/all.go b/lib/comm_plan/all.go
index c926e8b..222c249 100644
--- a/lib/comm_plan/all.go
+++ b/lib/comm_plan/all.go
@@ -247,7 +247,15 @@ func sameMoneyV2(lv, isOnlySubsidy int, totalAmtList, restAmtList, profitList, p
 	newTotalRatioList := make([]*VirtualCoinCommission, 0)
 	newPeerRateList := make([]*VirtualCoinCommission, 0)
 	newSubsidyFeeList := subsidyFeeList
-
+	if opt == nil {
+		return newProfitList, newRestAmtList, newTotalRatioList, newPeerRateList, newSubsidyFeeList, zeroList
+	}
+	if opt.UserRate == nil {
+		return newProfitList, newRestAmtList, newTotalRatioList, newPeerRateList, newSubsidyFeeList, zeroList
+	}
+	if opt.UserRate[lv] == nil {
+		return newProfitList, newRestAmtList, newTotalRatioList, newPeerRateList, newSubsidyFeeList, zeroList
+	}
 	//极差返利
 	if opt.UserRate[lv].PayMode == 0 && isOnlySubsidy == 0 {
 		for _, coin := range profitList {