Based on thermal–mechanical coupling simulation analysis and physical engineering tracking observation, the mechanical behavior and response of a continuously reinforced concrete and asphalt concrete (CRC + AC) composite pavement layer were analyzed, and the causes of cracking on the surface and bottom of the asphalt layer were revealed. Studies have shown that under normal driving conditions, the AC layer, which is usually in the position of the wheel load gap and wheel load side, more easily generates a longitudinal “corresponding crack”. Compared to normal driving, longitudinal cracks are generated more easily inside of the curve, and transverse cracks occur more easily on poor stadia curves. When the AC layer thickness is less than 8 cm, the AC layer is more prone to bottom-up cracking, and it is more prone to top-down cracking when it is more than 8 cm thick. Comprehensively considering the tensile stress, shear stress, and the thickness of the AC layer, it is recommended that the suitable thickness range of the AC layer is 8 cm~14 cm. The calculated results show good agreement with the physical engineering investigation. The research results can provide a theoretical and scientific basis for cracking control and the rational design of a CRC + AC composite pavement layer.

Cracking in asphalt layers of rigid–flexible composite pavements under coupled ambient temperature fields and traffic loading represents a critical failure mode. Traditional models based on uniform temperature assumptions inadequately capture the crack propagation mechanisms. This study developed a thermo-mechanical coupling model that incorporates realistic temperature-modulus gradients to analyze the compressive-shear behavior and simulate crack propagation using the extended finite element method (XFEM) coupled with a modified Paris’ law. Key findings reveal that the asphalt layer exhibits a predominant compressive-shear stress state; increasing the base modulus from 10,000 MPa to 30,000 MPa reduces the maximum shear stress by 22.8% at the tire centerline and 8.6% at the edge; thermal stress predominantly drives crack initiation, whereas vehicle loading governs the propagation path; field validation via cored samples confirms inclined top-down cracking under thermo-mechanical coupling; and the fracture energy release rate (G_f) reaches a minimum of 155 J·m⁻² at 14:00, corresponding to a maximum fatigue life of 32,625 cycles, and peaks at 350 J·m⁻² at 01:00, resulting in a reduced life of 29,933 cycles—reflecting a 9.0% temperature-induced fatigue life variation. The proposed model, which integrates non-uniform temperature gradients, offers enhanced accuracy in capturing complex boundary conditions and stress states, providing a more reliable tool for durability design and assessment of composite pavements.