Reinforcement learning (RL) enables adaptive behavior across species via reward prediction errors (RPEs), but the neural origins of species-specific adaptability remain unknown. Integrating RL modeling, transcriptomics, and neuroimaging during reversal learning, we discovered convergent RPE signatures - shared monoaminergic/synaptic gene upregulation and neuroanatomical representations, yet humans outperformed macaques behaviorally. Single-trial decoding showed RPEs guided choices similarly in both species, but humans disproportionately recruited dorsal anterior cingulate (dACC) and dorsolateral prefrontal cortex (dlPFC). Cross-species alignment uncovered that macaque prefrontal circuits encode human-like optimal RPEs yet fail to translate them into action. Adaptability scaled not with RPE encoding fidelity, but with the areal extent of dACC/dlPFC recruitment governing RPE-to-action transformation. These findings resolve an evolutionary puzzle: behavioral performance gaps arise from executive cortical readout efficiency, not encoding capacity.