diff --git a/src/test/app/PayChan_test.cpp b/src/test/app/PayChan_test.cpp
index 5068472135..703bcf51a7 100644
--- a/src/test/app/PayChan_test.cpp
+++ b/src/test/app/PayChan_test.cpp
@@ -13,13 +13,18 @@
 #include <test/jtx/ticket.h>
 #include <test/jtx/txflags.h>
 
+#include <xrpld/rpc/Context.h>
+#include <xrpld/rpc/Role.h>
+#include <xrpld/rpc/handlers/Handlers.h>
+
 #include <xrpl/basics/Buffer.h>
 #include <xrpl/basics/Slice.h>
 #include <xrpl/basics/base_uint.h>
 #include <xrpl/basics/chrono.h>
 #include <xrpl/basics/strHex.h>
 #include <xrpl/beast/unit_test/suite.h>
-#include <xrpl/beast/utility/Zero.h>  // IWYU pragma: keep
+#include <xrpl/beast/utility/Zero.h>
+#include <xrpl/core/Job.h>
 #include <xrpl/core/ServiceRegistry.h>
 #include <xrpl/json/json_value.h>
 #include <xrpl/json/to_string.h>
@@ -39,6 +44,9 @@
 #include <xrpl/protocol/TER.h>
 #include <xrpl/protocol/TxFlags.h>
 #include <xrpl/protocol/jss.h>
+#include <xrpl/resource/Charge.h>
+#include <xrpl/resource/Consumer.h>
+#include <xrpl/resource/Fees.h>
 
 #include <algorithm>
 #include <cassert>
@@ -48,6 +56,7 @@
 #include <optional>
 #include <set>
 #include <string>
+#include <string_view>
 #include <utility>
 #include <vector>
 
@@ -495,7 +504,7 @@ struct PayChan_test : public beast::unit_test::Suite
         // Owner closes, will close after settleDelay
         env(claim(alice, chan), Txflags(tfClose));
         BEAST_EXPECT(channelExists(*env.current(), chan));
-        env.close(settleTimepoint - settleDelay / 2);
+        env.close(settleTimepoint - (settleDelay / 2));
         {
             // receiver can still claim
             auto const chanBal = channelBalance(*env.current(), chan);
@@ -1587,6 +1596,146 @@ struct PayChan_test : public beast::unit_test::Suite
         }
     }
 
+    void
+    testChannelVerifyLoadType(FeatureBitset features)
+    {
+        testcase("channel_verify sets kFEE_HEAVY_BURDEN_RPC load type");
+
+        using namespace jtx;
+        using namespace std::literals::chrono_literals;
+
+        Env env{*this, features};
+        auto const alice = Account("alice");
+        auto const bob = Account("bob");
+
+        env.fund(XRP(10000), alice, bob);
+
+        auto const pk = alice.pk();
+        auto const settleDelay = 3600s;
+        auto const channelFunds = XRP(1000);
+        auto const chanStr = to_string(channel(alice, bob, env.seq(alice)));
+
+        env(create(alice, bob, channelFunds, settleDelay, pk));
+        env.close();
+
+        // Step 1: get a valid signature from channel_authorize
+        auto const authResult = env.rpc("channel_authorize", "alice", chanStr, "1000");
+        auto const sig = authResult[jss::result][jss::signature].asString();
+        BEAST_EXPECT(!sig.empty());
+        auto const pkHex = strHex(pk.slice());
+
+        // Step 2: build RPC::JsonContext directly so we can inspect loadType
+        auto& app = env.app();
+        Resource::Charge loadType = Resource::kFeeReferenceRpc;
+        Resource::Consumer c;
+        RPC::JsonContext context{
+            {.j = env.journal,
+             .app = app,
+             .loadType = loadType,
+             .netOps = app.getOPs(),
+             .ledgerMaster = app.getLedgerMaster(),
+             .consumer = c,
+             .role = Role::USER,
+             .coro = {},
+             .infoSub = {},
+             .apiVersion = RPC::kApiVersionIfUnspecified},
+            {},
+            {}};
+        json::Value params;
+        params[jss::public_key] = pkHex;
+        params[jss::channel_id] = chanStr;
+        params[jss::amount] = "1000";
+        params[jss::signature] = sig;
+        context.params = std::move(params);
+
+        // Confirm default before calling handler
+        BEAST_EXPECT(context.loadType == Resource::kFeeReferenceRpc);
+        json::Value result;
+        Gate g;
+        app.getJobQueue().postCoro(JtClient, "RPC-Client", [&](auto const& coro) {
+            context.coro = coro;
+            result = doChannelVerify(context);
+            g.signal();
+        });
+
+        using namespace std::chrono_literals;
+        BEAST_EXPECT(g.waitFor(5s));
+        // Signature must verify correctly
+        BEAST_EXPECT(result[jss::signature_verified].asBool());
+        // KEY ASSERTION: loadType must be kFEE_HEAVY_BURDEN_RPC after the fix
+        // Before fix: this will FAIL because loadType stays kFEE_REFERENCE_RPC (20)
+        // After fix:  this will PASS because loadType is kFEE_HEAVY_BURDEN_RPC (3000)
+        BEAST_EXPECT(context.loadType == Resource::kFeeHeavyBurdenRpc);
+        // Confirm the charge is 150x heavier than the current (broken) default
+        BEAST_EXPECT(context.loadType.cost() == Resource::kFeeHeavyBurdenRpc.cost());  // 3000
+        BEAST_EXPECT(context.loadType.cost() != Resource::kFeeReferenceRpc.cost());    // not 20
+    }
+
+    void
+    testChannelAuthorizeLoadType(FeatureBitset features)
+    {
+        testcase("channel_authorize sets kFEE_HEAVY_BURDEN_RPC load type");
+
+        using namespace jtx;
+        using namespace std::literals::chrono_literals;
+
+        Env env{*this, features};
+        auto const alice = Account("alice");
+        auto const bob = Account("bob");
+
+        env.fund(XRP(10000), alice, bob);
+
+        auto const pk = alice.pk();
+        auto const settleDelay = 3600s;
+        auto const chanStr = to_string(channel(alice, bob, env.seq(alice)));
+
+        env(create(alice, bob, XRP(1000), settleDelay, pk));
+        env.close();
+
+        auto& app = env.app();
+        Resource::Charge loadType = Resource::kFeeReferenceRpc;
+        Resource::Consumer c;
+        RPC::JsonContext context{
+            {.j = env.journal,
+             .app = app,
+             .loadType = loadType,
+             .netOps = app.getOPs(),
+             .ledgerMaster = app.getLedgerMaster(),
+             .consumer = c,
+             .role = Role::ADMIN,  // channel_authorize requires ADMIN or canSign()
+             .coro = {},
+             .infoSub = {},
+             .apiVersion = RPC::kApiVersionIfUnspecified},
+            {},
+            {}};
+        json::Value params;
+        params[jss::channel_id] = chanStr;
+        params[jss::amount] = "1000";
+        params[jss::secret] = alice.name();  // use account name as seed
+        context.params = std::move(params);
+
+        // Confirm default before calling handler
+        BEAST_EXPECT(context.loadType == Resource::kFeeReferenceRpc);
+        json::Value result;
+        Gate g;
+        app.getJobQueue().postCoro(JtClient, "RPC-Client", [&](auto const& coro) {
+            context.coro = coro;
+            result = doChannelAuthorize(context);
+            g.signal();
+        });
+
+        using namespace std::chrono_literals;
+
+        BEAST_EXPECT(g.waitFor(5s));
+        // Must return a valid signature
+        BEAST_EXPECT(result.isMember(jss::signature));
+        BEAST_EXPECT(!result[jss::signature].asString().empty());
+        // KEY ASSERTION: loadType must be kFEE_HEAVY_BURDEN_RPC after the fix
+        // Before fix: FAILS — stays at kFEE_REFERENCE_RPC (charge=20)
+        // After fix:  PASSES — set to kFEE_HEAVY_BURDEN_RPC (charge=3000)
+        BEAST_EXPECT(context.loadType == Resource::kFeeHeavyBurdenRpc);
+    }
+
     void
     testMalformedPK(FeatureBitset features)
     {
@@ -1983,6 +2132,8 @@ struct PayChan_test : public beast::unit_test::Suite
         testMetaAndOwnership(features);
         testAccountDelete(features);
         testUsingTickets(features);
+        testChannelVerifyLoadType(features);
+        testChannelAuthorizeLoadType(features);
     }
 
 public:
diff --git a/src/xrpld/rpc/handlers/ChannelVerify.cpp b/src/xrpld/rpc/handlers/ChannelVerify.cpp
index 64f616e829..b018b70516 100644
--- a/src/xrpld/rpc/handlers/ChannelVerify.cpp
+++ b/src/xrpld/rpc/handlers/ChannelVerify.cpp
@@ -13,6 +13,7 @@
 #include <xrpl/protocol/XRPAmount.h>
 #include <xrpl/protocol/jss.h>
 #include <xrpl/protocol/tokens.h>
+#include <xrpl/resource/Fees.h>
 
 #include <cstdint>
 #include <optional>
@@ -36,6 +37,8 @@ doChannelVerify(RPC::JsonContext& context)
             return RPC::missingFieldError(p);
     }
 
+    context.loadType = Resource::kFeeHeavyBurdenRpc;
+
     std::optional<PublicKey> pk;
     {
         std::string const strPk = params[jss::public_key].asString();
diff --git a/src/xrpld/rpc/handlers/admin/signing/ChannelAuthorize.cpp b/src/xrpld/rpc/handlers/admin/signing/ChannelAuthorize.cpp
index be3ce13d45..d304992261 100644
--- a/src/xrpld/rpc/handlers/admin/signing/ChannelAuthorize.cpp
+++ b/src/xrpld/rpc/handlers/admin/signing/ChannelAuthorize.cpp
@@ -15,6 +15,7 @@
 #include <xrpl/protocol/Serializer.h>
 #include <xrpl/protocol/XRPAmount.h>
 #include <xrpl/protocol/jss.h>
+#include <xrpl/resource/Fees.h>
 
 #include <cstdint>
 #include <exception>
@@ -37,6 +38,8 @@ doChannelAuthorize(RPC::JsonContext& context)
         return RPC::makeError(RpcNotSupported, "Signing is not supported by this server.");
     }
 
+    context.loadType = Resource::kFeeHeavyBurdenRpc;
+
     auto const& params(context.params);
     for (auto const& p : {jss::channel_id, jss::amount})
     {