diff --git a/apps/manacore/apps/web/package.json b/apps/manacore/apps/web/package.json
index 2c4fecea6..f988a0043 100644
--- a/apps/manacore/apps/web/package.json
+++ b/apps/manacore/apps/web/package.json
@@ -42,7 +42,7 @@
 		"vitest": "^4.0.14"
 	},
 	"dependencies": {
-		"@manacore/credit-operations": "workspace:^",
+		"@manacore/credits": "workspace:^",
 		"@manacore/qr-export": "workspace:*",
 		"@manacore/shared-auth": "workspace:*",
 		"@manacore/shared-auth-ui": "workspace:*",
diff --git a/packages/credit-operations/package.json b/packages/credit-operations/package.json
deleted file mode 100644
index 22af8fcae..000000000
--- a/packages/credit-operations/package.json
+++ /dev/null
@@ -1,26 +0,0 @@
-{
-	"name": "@manacore/credit-operations",
-	"version": "1.0.0",
-	"private": true,
-	"description": "Central credit operation definitions and costs for all Mana apps",
-	"main": "dist/index.js",
-	"types": "dist/index.d.ts",
-	"exports": {
-		".": {
-			"types": "./dist/index.d.ts",
-			"default": "./dist/index.js"
-		}
-	},
-	"scripts": {
-		"build": "tsc",
-		"dev": "tsc --watch",
-		"clean": "rm -rf dist",
-		"type-check": "tsc --noEmit"
-	},
-	"devDependencies": {
-		"typescript": "^5.0.0"
-	},
-	"files": [
-		"dist"
-	]
-}
diff --git a/packages/credit-operations/tsconfig.json b/packages/credit-operations/tsconfig.json
deleted file mode 100644
index 08822bebd..000000000
--- a/packages/credit-operations/tsconfig.json
+++ /dev/null
@@ -1,28 +0,0 @@
-{
-	"compilerOptions": {
-		"target": "ES2020",
-		"module": "commonjs",
-		"lib": ["ES2020"],
-		"declaration": true,
-		"strict": true,
-		"noImplicitAny": true,
-		"strictNullChecks": true,
-		"noImplicitThis": true,
-		"alwaysStrict": true,
-		"noUnusedLocals": false,
-		"noUnusedParameters": false,
-		"noImplicitReturns": true,
-		"noFallthroughCasesInSwitch": false,
-		"moduleResolution": "node",
-		"baseUrl": ".",
-		"esModuleInterop": true,
-		"experimentalDecorators": true,
-		"emitDecoratorMetadata": true,
-		"skipLibCheck": true,
-		"forceConsistentCasingInFileNames": true,
-		"outDir": "./dist",
-		"rootDir": "./src"
-	},
-	"include": ["src/**/*"],
-	"exclude": ["node_modules", "dist"]
-}
diff --git a/packages/credits/package.json b/packages/credits/package.json
new file mode 100644
index 000000000..11f9d1d36
--- /dev/null
+++ b/packages/credits/package.json
@@ -0,0 +1,27 @@
+{
+	"name": "@manacore/credits",
+	"version": "1.0.0",
+	"private": true,
+	"description": "Unified credit package — operations, service, and UI components",
+	"type": "module",
+	"main": "./src/index.ts",
+	"types": "./src/index.ts",
+	"exports": {
+		".": "./src/index.ts",
+		"./web": {
+			"svelte": "./src/web/index.ts",
+			"default": "./src/web/index.ts"
+		},
+		"./mobile": "./src/mobile/index.ts"
+	},
+	"scripts": {
+		"type-check": "tsc --noEmit"
+	},
+	"devDependencies": {
+		"svelte": "^5.0.0",
+		"typescript": "^5.9.3"
+	},
+	"peerDependencies": {
+		"svelte": "^5.0.0"
+	}
+}
diff --git a/packages/shared-credit-service/src/createCreditService.ts b/packages/credits/src/createCreditService.ts
similarity index 98%
rename from packages/shared-credit-service/src/createCreditService.ts
rename to packages/credits/src/createCreditService.ts
index 2047ac2e0..767406f4c 100644
--- a/packages/shared-credit-service/src/createCreditService.ts
+++ b/packages/credits/src/createCreditService.ts
@@ -6,7 +6,7 @@
  *
  * @example
  * ```ts
- * import { createCreditService } from '@manacore/shared-credit-service';
+ * import { createCreditService } from './createCreditService';
  * import { auth } from '$lib/stores/auth';
  *
  * export const creditService = createCreditService({
@@ -29,8 +29,8 @@ import type {
 	PricingResponse,
 	CreditUpdateCallback,
 	StandardOperationType,
-} from './types';
-import { DEFAULT_OPERATION_PRICING } from './types';
+} from './service-types';
+import { DEFAULT_OPERATION_PRICING } from './service-types';
 
 /**
  * Create a credit service instance
diff --git a/packages/credits/src/index.ts b/packages/credits/src/index.ts
new file mode 100644
index 000000000..1487a8fc4
--- /dev/null
+++ b/packages/credits/src/index.ts
@@ -0,0 +1,45 @@
+/**
+ * @manacore/credits — Unified credit package
+ *
+ * Consolidates credit-operations + shared-credit-service + shared-credit-ui.
+ *
+ * Usage:
+ * - Operations/costs: import { CreditOperationType, CREDIT_COSTS } from '@manacore/credits'
+ * - Service: import { createCreditService } from '@manacore/credits'
+ * - Web UI: import { CreditBalance } from '@manacore/credits/web'
+ * - Mobile UI: import { CreditBalance } from '@manacore/credits/mobile'
+ */
+
+// === Operations (costs, types, metadata) ===
+export {
+	CreditOperationType,
+	CreditCategory,
+	CREDIT_COSTS,
+	OPERATION_METADATA,
+	FREE_OPERATIONS,
+	getCreditCost,
+	getOperationMetadata,
+	getOperationsForApp,
+	getOperationsByCategory,
+	calculateBulkCost,
+	isFreeOperation,
+	isMicroCreditOperation,
+	isAiOperation,
+	formatCreditCost,
+	getPricingTable,
+	isFreeAction,
+	type OperationMetadata,
+} from './operations';
+
+// === Service (client-side credit management) ===
+export { createCreditService, type CreditService } from './createCreditService';
+export type {
+	CreditServiceConfig,
+	CreditBalance,
+	CreditCheckResponse,
+	CreditConsumptionResponse,
+	PricingResponse,
+	CreditUpdateCallback,
+	StandardOperationType,
+} from './service-types';
+export { DEFAULT_OPERATION_PRICING } from './service-types';
diff --git a/packages/shared-credit-ui/src/mobile/CreditBalance.tsx b/packages/credits/src/mobile/CreditBalance.tsx
similarity index 98%
rename from packages/shared-credit-ui/src/mobile/CreditBalance.tsx
rename to packages/credits/src/mobile/CreditBalance.tsx
index 1b6fd218b..30c9118bb 100644
--- a/packages/shared-credit-ui/src/mobile/CreditBalance.tsx
+++ b/packages/credits/src/mobile/CreditBalance.tsx
@@ -1,6 +1,6 @@
 import React from 'react';
 import { View, Text, TouchableOpacity, ActivityIndicator, StyleSheet } from 'react-native';
-import { formatCreditCost } from '@manacore/credit-operations';
+import { formatCreditCost } from './operations';
 
 interface CreditBalanceProps {
 	/** Current credit balance */
diff --git a/packages/shared-credit-ui/src/mobile/CreditToast.tsx b/packages/credits/src/mobile/CreditToast.tsx
similarity index 98%
rename from packages/shared-credit-ui/src/mobile/CreditToast.tsx
rename to packages/credits/src/mobile/CreditToast.tsx
index 1e507f29a..feb7ac762 100644
--- a/packages/shared-credit-ui/src/mobile/CreditToast.tsx
+++ b/packages/credits/src/mobile/CreditToast.tsx
@@ -1,6 +1,6 @@
 import React, { useEffect } from 'react';
 import { View, Text, TouchableOpacity, StyleSheet, Animated } from 'react-native';
-import { formatCreditCost } from '@manacore/credit-operations';
+import { formatCreditCost } from './operations';
 
 interface CreditToastProps {
 	/** The operation name or description */
diff --git a/packages/credits/src/mobile/index.ts b/packages/credits/src/mobile/index.ts
new file mode 100644
index 000000000..a90fd38db
--- /dev/null
+++ b/packages/credits/src/mobile/index.ts
@@ -0,0 +1,2 @@
+export { CreditBalance } from './CreditBalance';
+export { CreditToast } from './CreditToast';
diff --git a/packages/credit-operations/src/index.ts b/packages/credits/src/operations.ts
similarity index 100%
rename from packages/credit-operations/src/index.ts
rename to packages/credits/src/operations.ts
diff --git a/packages/shared-credit-service/src/types.ts b/packages/credits/src/service-types.ts
similarity index 100%
rename from packages/shared-credit-service/src/types.ts
rename to packages/credits/src/service-types.ts
diff --git a/packages/shared-credit-ui/src/web/CreditBalance.svelte b/packages/credits/src/web/CreditBalance.svelte
similarity index 99%
rename from packages/shared-credit-ui/src/web/CreditBalance.svelte
rename to packages/credits/src/web/CreditBalance.svelte
index abc5932e5..1f7762f9b 100644
--- a/packages/shared-credit-ui/src/web/CreditBalance.svelte
+++ b/packages/credits/src/web/CreditBalance.svelte
@@ -1,5 +1,5 @@
 <script lang="ts">
-	import { formatCreditCost } from '@manacore/credit-operations';
+	import { formatCreditCost } from './operations';
 
 	interface Props {
 		/** Current credit balance */
diff --git a/packages/shared-credit-ui/src/web/CreditPricingTable.svelte b/packages/credits/src/web/CreditPricingTable.svelte
similarity index 99%
rename from packages/shared-credit-ui/src/web/CreditPricingTable.svelte
rename to packages/credits/src/web/CreditPricingTable.svelte
index bc7d3f69a..7c16d564b 100644
--- a/packages/shared-credit-ui/src/web/CreditPricingTable.svelte
+++ b/packages/credits/src/web/CreditPricingTable.svelte
@@ -3,7 +3,7 @@
 		getPricingTable,
 		CreditCategory,
 		type CreditOperationType,
-	} from '@manacore/credit-operations';
+	} from './operations';
 
 	interface Props {
 		/** The app to show pricing for (e.g., 'todo', 'chat', 'calendar') */
diff --git a/packages/shared-credit-ui/src/web/CreditToast.svelte b/packages/credits/src/web/CreditToast.svelte
similarity index 98%
rename from packages/shared-credit-ui/src/web/CreditToast.svelte
rename to packages/credits/src/web/CreditToast.svelte
index d5f4062e8..232d9c382 100644
--- a/packages/shared-credit-ui/src/web/CreditToast.svelte
+++ b/packages/credits/src/web/CreditToast.svelte
@@ -1,5 +1,5 @@
 <script lang="ts">
-	import { formatCreditCost } from '@manacore/credit-operations';
+	import { formatCreditCost } from './operations';
 
 	interface Props {
 		/** The operation name or description */
diff --git a/packages/credits/src/web/index.ts b/packages/credits/src/web/index.ts
new file mode 100644
index 000000000..02955688c
--- /dev/null
+++ b/packages/credits/src/web/index.ts
@@ -0,0 +1,3 @@
+export { default as CreditBalance } from './CreditBalance.svelte';
+export { default as CreditPricingTable } from './CreditPricingTable.svelte';
+export { default as CreditToast } from './CreditToast.svelte';
diff --git a/packages/credits/tsconfig.json b/packages/credits/tsconfig.json
new file mode 100644
index 000000000..9fd2723c4
--- /dev/null
+++ b/packages/credits/tsconfig.json
@@ -0,0 +1,14 @@
+{
+	"compilerOptions": {
+		"target": "ES2022",
+		"module": "ES2022",
+		"moduleResolution": "bundler",
+		"strict": true,
+		"esModuleInterop": true,
+		"skipLibCheck": true,
+		"jsx": "react-jsx",
+		"outDir": "dist",
+		"declaration": true
+	},
+	"include": ["src/**/*.ts", "src/**/*.tsx", "src/**/*.svelte"]
+}
diff --git a/packages/shared-credit-service/package.json b/packages/shared-credit-service/package.json
deleted file mode 100644
index 1963fb5fd..000000000
--- a/packages/shared-credit-service/package.json
+++ /dev/null
@@ -1,27 +0,0 @@
-{
-	"name": "@manacore/shared-credit-service",
-	"version": "0.0.1",
-	"private": true,
-	"type": "module",
-	"exports": {
-		".": {
-			"types": "./src/index.ts",
-			"default": "./src/index.ts"
-		}
-	},
-	"main": "./src/index.ts",
-	"types": "./src/index.ts",
-	"files": [
-		"src"
-	],
-	"scripts": {
-		"type-check": "tsc --noEmit",
-		"lint": "eslint ."
-	},
-	"dependencies": {
-		"@manacore/shared-subscription-types": "workspace:*"
-	},
-	"devDependencies": {
-		"typescript": "^5.0.0"
-	}
-}
diff --git a/packages/shared-credit-service/src/index.ts b/packages/shared-credit-service/src/index.ts
deleted file mode 100644
index c430ca1f6..000000000
--- a/packages/shared-credit-service/src/index.ts
+++ /dev/null
@@ -1,75 +0,0 @@
-/**
- * @manacore/shared-credit-service
- *
- * Shared credit/mana service for the ManaCore monorepo.
- *
- * Provides:
- * - Credit balance fetching and caching
- * - Operation pricing with fallbacks
- * - Credit check before operations
- * - Credit consumption notifications
- *
- * @example Basic usage
- * ```ts
- * import { createCreditService } from '@manacore/shared-credit-service';
- *
- * const creditService = createCreditService({
- *   apiUrl: 'https://api.myapp.com',
- *   getAuthToken: async () => localStorage.getItem('token')
- * });
- *
- * // Initialize on app startup
- * await creditService.initialize();
- *
- * // Check balance before operation
- * const check = await creditService.checkOperationBalance('STORY_CREATION');
- * if (!check.hasEnoughCredits) {
- *   showInsufficientCreditsModal(check.deficit);
- *   return;
- * }
- *
- * // After successful operation, notify listeners
- * creditService.triggerCreditUpdate(10, 'STORY_CREATION');
- * ```
- *
- * @example With Svelte store integration
- * ```ts
- * // creditService.ts
- * import { createCreditService } from '@manacore/shared-credit-service';
- * import { auth } from '$lib/stores/auth';
- *
- * export const creditService = createCreditService({
- *   apiUrl: import.meta.env.VITE_API_URL,
- *   pricingEndpoint: '/credits/pricing',
- *   getAuthToken: () => auth.getToken()
- * });
- *
- * // creditStore.svelte.ts
- * import { creditService } from './creditService';
- *
- * let balance = $state<number>(0);
- *
- * // Listen for credit updates
- * creditService.onCreditUpdate((consumed) => {
- *   balance -= consumed;
- * });
- * ```
- */
-
-// Factory function
-export { createCreditService } from './createCreditService';
-export type { CreditService } from './createCreditService';
-
-// Types
-export type {
-	CreditServiceConfig,
-	CreditBalance,
-	CreditCheckResponse,
-	CreditConsumptionResponse,
-	PricingResponse,
-	CreditUpdateCallback,
-	StandardOperationType,
-} from './types';
-
-// Constants
-export { DEFAULT_OPERATION_PRICING } from './types';
diff --git a/packages/shared-credit-service/tsconfig.json b/packages/shared-credit-service/tsconfig.json
deleted file mode 100644
index cddc0a577..000000000
--- a/packages/shared-credit-service/tsconfig.json
+++ /dev/null
@@ -1,16 +0,0 @@
-{
-	"compilerOptions": {
-		"target": "ES2022",
-		"module": "ESNext",
-		"moduleResolution": "bundler",
-		"lib": ["ES2022", "DOM"],
-		"strict": true,
-		"esModuleInterop": true,
-		"skipLibCheck": true,
-		"forceConsistentCasingInFileNames": true,
-		"declaration": true,
-		"declarationMap": true,
-		"noEmit": true
-	},
-	"include": ["src/**/*"]
-}
diff --git a/packages/shared-credit-ui/package.json b/packages/shared-credit-ui/package.json
deleted file mode 100644
index e6aaf7d35..000000000
--- a/packages/shared-credit-ui/package.json
+++ /dev/null
@@ -1,51 +0,0 @@
-{
-	"name": "@manacore/shared-credit-ui",
-	"version": "1.0.0",
-	"private": true,
-	"description": "Credit system UI components for web (Svelte) and mobile (React Native)",
-	"exports": {
-		".": {
-			"types": "./src/web/index.ts",
-			"svelte": "./src/web/index.ts",
-			"default": "./src/web/index.ts"
-		},
-		"./web": {
-			"types": "./src/web/index.ts",
-			"svelte": "./src/web/index.ts",
-			"default": "./src/web/index.ts"
-		},
-		"./mobile": {
-			"types": "./src/mobile/index.ts",
-			"default": "./src/mobile/index.ts"
-		}
-	},
-	"scripts": {
-		"type-check": "svelte-check --tsconfig ./tsconfig.json"
-	},
-	"dependencies": {
-		"@manacore/credit-operations": "workspace:*"
-	},
-	"peerDependencies": {
-		"svelte": "^5.0.0",
-		"react": "^18.0.0",
-		"react-native": "^0.74.0 || ^0.75.0 || ^0.76.0 || ^0.77.0 || ^0.78.0 || ^0.79.0 || ^0.80.0 || ^0.81.0"
-	},
-	"peerDependenciesMeta": {
-		"svelte": {
-			"optional": true
-		},
-		"react": {
-			"optional": true
-		},
-		"react-native": {
-			"optional": true
-		}
-	},
-	"devDependencies": {
-		"@types/react": "^18.0.0",
-		"@types/react-native": "^0.73.0",
-		"svelte": "^5.0.0",
-		"svelte-check": "^4.0.0",
-		"typescript": "^5.0.0"
-	}
-}
diff --git a/packages/shared-credit-ui/src/mobile/index.ts b/packages/shared-credit-ui/src/mobile/index.ts
deleted file mode 100644
index 1866c5abe..000000000
--- a/packages/shared-credit-ui/src/mobile/index.ts
+++ /dev/null
@@ -1,19 +0,0 @@
-/**
- * Credit UI components for mobile (React Native)
- */
-
-export { CreditBalance } from './CreditBalance';
-export { CreditToast } from './CreditToast';
-
-// Re-export useful functions from credit-operations
-export {
-	formatCreditCost,
-	getCreditCost,
-	getOperationMetadata,
-	getPricingTable,
-	isFreeOperation,
-	isMicroCreditOperation,
-	isAiOperation,
-	CreditOperationType,
-	CreditCategory,
-} from '@manacore/credit-operations';
diff --git a/packages/shared-credit-ui/src/web/index.ts b/packages/shared-credit-ui/src/web/index.ts
deleted file mode 100644
index 7c69d785b..000000000
--- a/packages/shared-credit-ui/src/web/index.ts
+++ /dev/null
@@ -1,20 +0,0 @@
-/**
- * Credit UI components for web (Svelte 5)
- */
-
-export { default as CreditBalance } from './CreditBalance.svelte';
-export { default as CreditToast } from './CreditToast.svelte';
-export { default as CreditPricingTable } from './CreditPricingTable.svelte';
-
-// Re-export useful functions from credit-operations
-export {
-	formatCreditCost,
-	getCreditCost,
-	getOperationMetadata,
-	getPricingTable,
-	isFreeOperation,
-	isMicroCreditOperation,
-	isAiOperation,
-	CreditOperationType,
-	CreditCategory,
-} from '@manacore/credit-operations';
diff --git a/packages/shared-credit-ui/tsconfig.json b/packages/shared-credit-ui/tsconfig.json
deleted file mode 100644
index 083dd84e3..000000000
--- a/packages/shared-credit-ui/tsconfig.json
+++ /dev/null
@@ -1,22 +0,0 @@
-{
-	"compilerOptions": {
-		"target": "ESNext",
-		"module": "ESNext",
-		"moduleResolution": "bundler",
-		"lib": ["ESNext", "DOM"],
-		"declaration": true,
-		"strict": true,
-		"noImplicitAny": true,
-		"strictNullChecks": true,
-		"noUnusedLocals": false,
-		"noUnusedParameters": false,
-		"noImplicitReturns": true,
-		"esModuleInterop": true,
-		"skipLibCheck": true,
-		"forceConsistentCasingInFileNames": true,
-		"jsx": "react-native",
-		"types": ["svelte", "react", "react-native"]
-	},
-	"include": ["src/**/*"],
-	"exclude": ["node_modules"]
-}