We present InsertFuse, a unified framework for multi-category reference-guided image insertion. Its key idea is to decouple category-specific expertise learning from cross-category capability consolidation. InsertFuse first trains specialized experts for different insertion categories and then introduces Insertion On-Policy Distillation (IOPD) to consolidate their capabilities into a single student. By querying the matched expert at states visited by the student, IOPD preserves category-specific insertion behavior while mitigating the cross-category interference caused by direct joint training. To improve spatial control, we propose Token-Aligned Geometry Conditioning (TAGC), which maps mask-derived geometric cues to the visual token grid, and Region-Balanced Flow Matching, which separately normalizes prediction errors inside and outside the insertion region to prevent background-dominated and scale-dependent supervision. We further introduce Reference CFG to isolate and strengthen the guidance induced by the visual reference under fixed scene and geometry conditions, with IOPD transferring this enhanced supervision into the unified student. Extensive experiments on the public AnyInsertion benchmark and our multi-category test set demonstrate state-of-the-art performance on most metrics, showing strong reference fidelity and generation quality across diverse insertion categories.
Reference-guided generation (e.g., object compositing, customization) has progressed rapidly, yet current pipelines share a fundamental limitation: the object-centric high-resolution reference image (HRRI) provided by users is downsampled to a fixed low-resolution (LR) before being fed into the model, so the fine-grained details are discarded before the output is even produced. In addition, the generation step then introduces its own artifacts (e.g., identity distortion) on top of this loss. Existing reference-guided generated content refinement (RefGCR) methods can correct some of these artifacts but still operate in the LR domain; reference-guided super-resolution (RefSR) methods recover resolution but assume natural-image degradations and ignore the artifact distribution of generative pipelines. To address both gaps in a single formulation, we introduce a new task: reference-guided generated content super-resolution-refinement (RefGC-SR$^2$), where the original HRRI is reused at the post-processing stage to recover lost details, refine generative artifacts, and upscale the output simultaneously. We construct the first real-world triplet data generation pipeline for this RefGC-SR$^2$ task, training a diptych-conditioned generator to synthesize paired low-quality anchors that public pretrained models cannot provide. We further present a frequency-aware diffusion transformer model for RefGC-SR$^2$ that selectively injects fine details from the HRRI while removing generative artifacts. Extensive experiments demonstrate that our RefGC-SR$^2$ model successfully (i) refines the object identity faithfully with respect to the reference, and (ii) recovers high-resolution details, so that the final result is significantly higher quality and practically more usable compared to existing RefGCR and RefSR baselines.