diff --git a/app/src/main/java/kr/co/vividnext/sodalive/chat/character/comment/CharacterCommentReplyFragment.kt b/app/src/main/java/kr/co/vividnext/sodalive/chat/character/comment/CharacterCommentReplyFragment.kt
index 85ab2464..e4c160cd 100644
--- a/app/src/main/java/kr/co/vividnext/sodalive/chat/character/comment/CharacterCommentReplyFragment.kt
+++ b/app/src/main/java/kr/co/vividnext/sodalive/chat/character/comment/CharacterCommentReplyFragment.kt
@@ -12,14 +12,14 @@ import androidx.recyclerview.widget.LinearLayoutManager
 import androidx.recyclerview.widget.RecyclerView
 import coil.load
 import coil.transform.CircleCropTransformation
+import io.reactivex.rxjava3.android.schedulers.AndroidSchedulers
+import io.reactivex.rxjava3.schedulers.Schedulers
 import kr.co.vividnext.sodalive.R
 import kr.co.vividnext.sodalive.base.BaseFragment
 import kr.co.vividnext.sodalive.common.LoadingDialog
 import kr.co.vividnext.sodalive.common.SharedPreferenceManager
 import kr.co.vividnext.sodalive.databinding.FragmentCharacterCommentReplyBinding
 import kr.co.vividnext.sodalive.extensions.dpToPx
-import io.reactivex.rxjava3.android.schedulers.AndroidSchedulers
-import io.reactivex.rxjava3.schedulers.Schedulers
 import org.koin.android.ext.android.inject
 
 /**
@@ -93,21 +93,49 @@ class CharacterCommentReplyFragment : BaseFragment<FragmentCharacterCommentReply
             hideKeyboard()
             val text = binding.etComment.text.toString()
             if (text.isBlank()) return@setOnClickListener
-            // 스텁: 로컬에 즉시 추가
-            val me = CharacterReplyResponse(
-                replyId = System.currentTimeMillis(),
-                memberId = SharedPreferenceManager.userId,
-                memberProfileImage = SharedPreferenceManager.profileImage,
-                memberNickname = SharedPreferenceManager.nickname,
-                createdAt = System.currentTimeMillis(),
-                comment = text
+            val originalId = original?.commentId ?: return@setOnClickListener
+            val token = "Bearer ${SharedPreferenceManager.token}"
+            loadingDialog.show(screenWidth)
+            val d = repository.createReply(
+                characterId = characterId,
+                commentId = originalId,
+                comment = text,
+                token = token
             )
-            val insertAt = adapter.items.size
-            adapter.items.add(me)
-            adapter.notifyItemInserted(insertAt)
-            binding.rvCommentReply.scrollToPosition(adapter.items.size - 1)
-            binding.etComment.setText("")
-            Toast.makeText(requireContext(), "등록되었습니다 (stub)", Toast.LENGTH_SHORT).show()
+                .subscribeOn(Schedulers.io())
+                .observeOn(AndroidSchedulers.mainThread())
+                .doFinally { loadingDialog.dismiss() }
+                .subscribe({ resp ->
+                    if (resp.success) {
+                        // 성공 시 낙관적 UI 반영: 기존 스텁과 동일하게 즉시 목록에 추가
+                        val me = CharacterReplyResponse(
+                            replyId = System.currentTimeMillis(),
+                            memberId = SharedPreferenceManager.userId,
+                            memberProfileImage = SharedPreferenceManager.profileImage,
+                            memberNickname = SharedPreferenceManager.nickname,
+                            createdAt = System.currentTimeMillis(),
+                            comment = text
+                        )
+                        val insertAt = adapter.items.size
+                        adapter.items.add(me)
+                        adapter.notifyItemInserted(insertAt)
+                        binding.rvCommentReply.scrollToPosition(adapter.items.size - 1)
+                        binding.etComment.setText("")
+                    } else {
+                        Toast.makeText(
+                            requireContext(),
+                            resp.message ?: "요청 중 오류가 발생했습니다",
+                            Toast.LENGTH_SHORT
+                        ).show()
+                    }
+                }, { e ->
+                    Toast.makeText(
+                        requireContext(),
+                        e.message ?: "요청 중 오류가 발생했습니다",
+                        Toast.LENGTH_SHORT
+                    ).show()
+                })
+            compositeDisposable.add(d)
         }
 
         adapter = CharacterCommentReplyAdapter(
@@ -134,16 +162,30 @@ class CharacterCommentReplyFragment : BaseFragment<FragmentCharacterCommentReply
 
         val recyclerView = binding.rvCommentReply
         recyclerView.setHasFixedSize(true)
-        recyclerView.layoutManager = LinearLayoutManager(activity, LinearLayoutManager.VERTICAL, false)
+        recyclerView.layoutManager =
+            LinearLayoutManager(activity, LinearLayoutManager.VERTICAL, false)
         recyclerView.addItemDecoration(object : RecyclerView.ItemDecoration() {
-            override fun getItemOffsets(outRect: Rect, view: View, parent: RecyclerView, state: RecyclerView.State) {
+            override fun getItemOffsets(
+                outRect: Rect,
+                view: View,
+                parent: RecyclerView,
+                state: RecyclerView.State
+            ) {
                 super.getItemOffsets(outRect, view, parent, state)
                 outRect.left = 13.3f.dpToPx().toInt()
                 outRect.right = 13.3f.dpToPx().toInt()
                 when (parent.getChildAdapterPosition(view)) {
-                    0 -> { outRect.top = 13.3f.dpToPx().toInt(); outRect.bottom = 12f.dpToPx().toInt() }
-                    adapter.itemCount - 1 -> { outRect.top = 12f.dpToPx().toInt(); outRect.bottom = 13.3f.dpToPx().toInt() }
-                    else -> { outRect.top = 12f.dpToPx().toInt(); outRect.bottom = 12f.dpToPx().toInt() }
+                    0 -> {
+                        outRect.top = 13.3f.dpToPx().toInt(); outRect.bottom = 12f.dpToPx().toInt()
+                    }
+
+                    adapter.itemCount - 1 -> {
+                        outRect.top = 12f.dpToPx().toInt(); outRect.bottom = 13.3f.dpToPx().toInt()
+                    }
+
+                    else -> {
+                        outRect.top = 12f.dpToPx().toInt(); outRect.bottom = 12f.dpToPx().toInt()
+                    }
                 }
             }
         })
@@ -218,12 +260,16 @@ class CharacterCommentReplyFragment : BaseFragment<FragmentCharacterCommentReply
         private const val EXTRA_CHARACTER_ID = "extra_character_id"
         private const val EXTRA_ORIGINAL_COMMENT_ID = "extra_original_comment_id"
         private const val EXTRA_ORIGINAL_MEMBER_ID = "extra_original_member_id"
-        private const val EXTRA_ORIGINAL_MEMBER_PROFILE_IMAGE = "extra_original_member_profile_image"
+        private const val EXTRA_ORIGINAL_MEMBER_PROFILE_IMAGE =
+            "extra_original_member_profile_image"
         private const val EXTRA_ORIGINAL_MEMBER_NICKNAME = "extra_original_member_nickname"
         private const val EXTRA_ORIGINAL_CREATED_AT = "extra_original_created_at"
         private const val EXTRA_ORIGINAL_REPLY_COUNT = "extra_original_reply_count"
         private const val EXTRA_ORIGINAL_COMMENT_TEXT = "extra_original_comment_text"
-        fun newInstance(characterId: Long, original: CharacterCommentResponse): CharacterCommentReplyFragment {
+        fun newInstance(
+            characterId: Long,
+            original: CharacterCommentResponse
+        ): CharacterCommentReplyFragment {
             val args = Bundle().apply {
                 putLong(EXTRA_CHARACTER_ID, characterId)
                 putLong(EXTRA_ORIGINAL_COMMENT_ID, original.commentId)