diff --git a/services/mana-credits/CLAUDE.md b/services/mana-credits/CLAUDE.md
new file mode 100644
index 000000000..f323bbdb5
--- /dev/null
+++ b/services/mana-credits/CLAUDE.md
@@ -0,0 +1,100 @@
+# mana-credits
+
+Standalone credit management service for the ManaCore ecosystem. Extracted from mana-core-auth.
+
+## Tech Stack
+
+| Layer | Technology |
+|-------|------------|
+| **Runtime** | Bun |
+| **Framework** | Hono |
+| **Database** | PostgreSQL + Drizzle ORM |
+| **Payments** | Stripe (Payment Intents, Checkout Sessions) |
+| **Auth** | JWT validation via JWKS from mana-core-auth |
+
+## Quick Start
+
+```bash
+# Start (requires PostgreSQL running)
+bun run dev
+
+# Database
+bun run db:push    # Push schema
+bun run db:studio  # Open Drizzle Studio
+```
+
+## Port: 3060
+
+## API Endpoints
+
+### Personal Credits (JWT auth)
+
+| Method | Path | Description |
+|--------|------|-------------|
+| GET | `/api/v1/credits/balance` | Get personal balance |
+| POST | `/api/v1/credits/use` | Use credits (personal or guild) |
+| GET | `/api/v1/credits/transactions` | Transaction history |
+| GET | `/api/v1/credits/purchases` | Purchase history |
+| GET | `/api/v1/credits/packages` | Available packages |
+| POST | `/api/v1/credits/purchase` | Initiate Stripe purchase |
+| GET | `/api/v1/credits/purchase/:id` | Purchase status |
+
+### Guild Pool (JWT auth)
+
+| Method | Path | Description |
+|--------|------|-------------|
+| GET | `/api/v1/credits/guild/:id/balance` | Pool balance |
+| POST | `/api/v1/credits/guild/:id/fund` | Fund pool from personal |
+| POST | `/api/v1/credits/guild/:id/use` | Use from pool |
+| GET | `/api/v1/credits/guild/:id/transactions` | Pool history |
+| GET | `/api/v1/credits/guild/:id/members/:uid/limits` | Get limits |
+| PUT | `/api/v1/credits/guild/:id/members/:uid/limits` | Set limits |
+
+### Gift Codes (Mixed auth)
+
+| Method | Path | Description |
+|--------|------|-------------|
+| GET | `/api/v1/gifts/:code` | Get gift info (public) |
+| POST | `/api/v1/gifts` | Create gift (JWT) |
+| GET | `/api/v1/gifts/me/created` | My created gifts (JWT) |
+| GET | `/api/v1/gifts/me/received` | My received gifts (JWT) |
+| POST | `/api/v1/gifts/:code/redeem` | Redeem gift (JWT) |
+| DELETE | `/api/v1/gifts/:id` | Cancel gift (JWT) |
+
+### Internal (X-Service-Key auth)
+
+| Method | Path | Description |
+|--------|------|-------------|
+| GET | `/api/v1/internal/credits/balance/:userId` | Get user balance |
+| POST | `/api/v1/internal/credits/use` | Use credits for user |
+| POST | `/api/v1/internal/credits/refund` | Refund credits |
+| POST | `/api/v1/internal/credits/init` | Initialize balance |
+| POST | `/api/v1/internal/gifts/redeem-pending` | Auto-redeem on registration |
+| POST | `/api/v1/internal/guild-pool/init` | Initialize guild pool |
+
+### Webhooks
+
+| Method | Path | Description |
+|--------|------|-------------|
+| POST | `/api/v1/webhooks/stripe` | Stripe payment events |
+
+## Environment Variables
+
+```env
+PORT=3060
+DATABASE_URL=postgresql://manacore:devpassword@localhost:5432/mana_credits
+MANA_CORE_AUTH_URL=http://localhost:3001
+MANA_CORE_SERVICE_KEY=dev-service-key
+BASE_URL=http://localhost:3060
+STRIPE_SECRET_KEY=sk_test_...
+STRIPE_WEBHOOK_SECRET=whsec_...
+CORS_ORIGINS=http://localhost:5173,http://localhost:5180
+```
+
+## Database
+
+Own database: `mana_credits`
+
+Schemas: `credits.*`, `gifts.*`
+
+Tables: balances, transactions, packages, purchases, usage_stats, stripe_customers, gift_codes, gift_redemptions, guild_pools, guild_transactions, guild_spending_limits
diff --git a/services/mana-credits/Dockerfile b/services/mana-credits/Dockerfile
new file mode 100644
index 000000000..a15514e96
--- /dev/null
+++ b/services/mana-credits/Dockerfile
@@ -0,0 +1,18 @@
+FROM oven/bun:1 AS production
+
+WORKDIR /app
+
+# Copy package files and install
+COPY package.json bun.lock* ./
+RUN bun install --frozen-lockfile 2>/dev/null || bun install
+
+# Copy source
+COPY src ./src
+COPY tsconfig.json drizzle.config.ts ./
+
+EXPOSE 3060
+
+HEALTHCHECK --interval=30s --timeout=10s --start-period=10s --retries=3 \
+  CMD bun -e "fetch('http://localhost:3060/health').then(r => process.exit(r.ok ? 0 : 1)).catch(() => process.exit(1))"
+
+CMD ["bun", "run", "src/index.ts"]
diff --git a/services/mana-credits/drizzle.config.ts b/services/mana-credits/drizzle.config.ts
new file mode 100644
index 000000000..ebfe36f4f
--- /dev/null
+++ b/services/mana-credits/drizzle.config.ts
@@ -0,0 +1,12 @@
+import { defineConfig } from 'drizzle-kit';
+
+export default defineConfig({
+	schema: './src/db/schema/*.ts',
+	out: './drizzle',
+	dialect: 'postgresql',
+	dbCredentials: {
+		url:
+			process.env.DATABASE_URL || 'postgresql://manacore:devpassword@localhost:5432/mana_credits',
+	},
+	schemaFilter: ['credits', 'gifts'],
+});
diff --git a/services/mana-credits/package.json b/services/mana-credits/package.json
new file mode 100644
index 000000000..2a689a148
--- /dev/null
+++ b/services/mana-credits/package.json
@@ -0,0 +1,27 @@
+{
+	"name": "@mana/credits",
+	"version": "0.1.0",
+	"private": true,
+	"type": "module",
+	"scripts": {
+		"dev": "bun run --watch src/index.ts",
+		"start": "bun run src/index.ts",
+		"db:push": "drizzle-kit push",
+		"db:generate": "drizzle-kit generate",
+		"db:studio": "drizzle-kit studio"
+	},
+	"dependencies": {
+		"hono": "^4.7.0",
+		"drizzle-orm": "^0.38.3",
+		"postgres": "^3.4.5",
+		"stripe": "^17.5.0",
+		"jose": "^6.1.2",
+		"bcryptjs": "^3.0.2",
+		"zod": "^3.24.0"
+	},
+	"devDependencies": {
+		"@types/bcryptjs": "^2.4.6",
+		"drizzle-kit": "^0.30.4",
+		"typescript": "^5.9.3"
+	}
+}
diff --git a/services/mana-credits/src/config.ts b/services/mana-credits/src/config.ts
new file mode 100644
index 000000000..5603fafe8
--- /dev/null
+++ b/services/mana-credits/src/config.ts
@@ -0,0 +1,44 @@
+/**
+ * Application configuration loaded from environment variables.
+ */
+
+export interface Config {
+	port: number;
+	databaseUrl: string;
+	manaAuthUrl: string;
+	serviceKey: string;
+	baseUrl: string;
+	stripe: {
+		secretKey: string;
+		webhookSecret: string;
+	};
+	cors: {
+		origins: string[];
+	};
+}
+
+export function loadConfig(): Config {
+	const requiredEnv = (key: string, fallback?: string): string => {
+		const value = process.env[key] || fallback;
+		if (!value) throw new Error(`Missing required env var: ${key}`);
+		return value;
+	};
+
+	return {
+		port: parseInt(process.env.PORT || '3060', 10),
+		databaseUrl: requiredEnv(
+			'DATABASE_URL',
+			'postgresql://manacore:devpassword@localhost:5432/mana_credits'
+		),
+		manaAuthUrl: requiredEnv('MANA_CORE_AUTH_URL', 'http://localhost:3001'),
+		serviceKey: requiredEnv('MANA_CORE_SERVICE_KEY', 'dev-service-key'),
+		baseUrl: requiredEnv('BASE_URL', 'http://localhost:3060'),
+		stripe: {
+			secretKey: process.env.STRIPE_SECRET_KEY || '',
+			webhookSecret: process.env.STRIPE_WEBHOOK_SECRET || '',
+		},
+		cors: {
+			origins: (process.env.CORS_ORIGINS || 'http://localhost:5173').split(','),
+		},
+	};
+}
diff --git a/services/mana-credits/src/db/connection.ts b/services/mana-credits/src/db/connection.ts
new file mode 100644
index 000000000..aa63e328e
--- /dev/null
+++ b/services/mana-credits/src/db/connection.ts
@@ -0,0 +1,19 @@
+/**
+ * Database connection using Drizzle ORM + postgres.js
+ */
+
+import { drizzle } from 'drizzle-orm/postgres-js';
+import postgres from 'postgres';
+import * as schema from './schema/index';
+
+let db: ReturnType<typeof drizzle<typeof schema>> | null = null;
+
+export function getDb(databaseUrl: string) {
+	if (!db) {
+		const client = postgres(databaseUrl, { max: 10 });
+		db = drizzle(client, { schema });
+	}
+	return db;
+}
+
+export type Database = ReturnType<typeof getDb>;
diff --git a/services/mana-credits/src/db/schema/credits.ts b/services/mana-credits/src/db/schema/credits.ts
new file mode 100644
index 000000000..d818b1f4d
--- /dev/null
+++ b/services/mana-credits/src/db/schema/credits.ts
@@ -0,0 +1,152 @@
+/**
+ * Credits Schema — Personal balance, transactions, packages, purchases
+ *
+ * Adapted from mana-core-auth: removed FK references to auth.users (separate DB).
+ * userId columns remain as text() without foreign key constraints.
+ */
+
+import {
+	pgSchema,
+	uuid,
+	integer,
+	text,
+	timestamp,
+	jsonb,
+	index,
+	pgEnum,
+	boolean,
+} from 'drizzle-orm/pg-core';
+
+export const creditsSchema = pgSchema('credits');
+
+// ─── Enums ──────────────────────────────────────────────────
+
+export const transactionTypeEnum = pgEnum('transaction_type', [
+	'purchase',
+	'usage',
+	'refund',
+	'gift',
+	'guild_funding',
+]);
+
+export const transactionStatusEnum = pgEnum('transaction_status', [
+	'pending',
+	'completed',
+	'failed',
+	'cancelled',
+]);
+
+// ─── Tables ─────────────────────────────────────────────────
+
+/** Stripe customer mapping (reuse customers across purchases) */
+export const stripeCustomers = creditsSchema.table('stripe_customers', {
+	userId: text('user_id').primaryKey(),
+	stripeCustomerId: text('stripe_customer_id').unique().notNull(),
+	email: text('email'),
+	createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull(),
+	updatedAt: timestamp('updated_at', { withTimezone: true }).defaultNow().notNull(),
+});
+
+/** Credit balances (one per user, optimistic locking via version) */
+export const balances = creditsSchema.table('balances', {
+	userId: text('user_id').primaryKey(),
+	balance: integer('balance').default(0).notNull(),
+	totalEarned: integer('total_earned').default(0).notNull(),
+	totalSpent: integer('total_spent').default(0).notNull(),
+	version: integer('version').default(0).notNull(),
+	createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull(),
+	updatedAt: timestamp('updated_at', { withTimezone: true }).defaultNow().notNull(),
+});
+
+/** Immutable transaction ledger */
+export const transactions = creditsSchema.table(
+	'transactions',
+	{
+		id: uuid('id').primaryKey().defaultRandom(),
+		userId: text('user_id').notNull(),
+		type: transactionTypeEnum('type').notNull(),
+		status: transactionStatusEnum('status').default('pending').notNull(),
+		amount: integer('amount').notNull(),
+		balanceBefore: integer('balance_before').notNull(),
+		balanceAfter: integer('balance_after').notNull(),
+		appId: text('app_id').notNull(),
+		description: text('description').notNull(),
+		metadata: jsonb('metadata'),
+		idempotencyKey: text('idempotency_key').unique(),
+		guildId: text('guild_id'),
+		createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull(),
+		completedAt: timestamp('completed_at', { withTimezone: true }),
+	},
+	(table) => ({
+		userIdIdx: index('transactions_user_id_idx').on(table.userId),
+		appIdIdx: index('transactions_app_id_idx').on(table.appId),
+		createdAtIdx: index('transactions_created_at_idx').on(table.createdAt),
+		idempotencyKeyIdx: index('transactions_idempotency_key_idx').on(table.idempotencyKey),
+		guildIdIdx: index('transactions_guild_id_idx').on(table.guildId),
+	})
+);
+
+/** Credit packages (pricing tiers) */
+export const packages = creditsSchema.table('packages', {
+	id: uuid('id').primaryKey().defaultRandom(),
+	name: text('name').notNull(),
+	description: text('description'),
+	credits: integer('credits').notNull(),
+	priceEuroCents: integer('price_euro_cents').notNull(),
+	stripePriceId: text('stripe_price_id').unique(),
+	active: boolean('active').default(true).notNull(),
+	sortOrder: integer('sort_order').default(0).notNull(),
+	metadata: jsonb('metadata'),
+	createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull(),
+	updatedAt: timestamp('updated_at', { withTimezone: true }).defaultNow().notNull(),
+});
+
+/** Purchase history */
+export const purchases = creditsSchema.table(
+	'purchases',
+	{
+		id: uuid('id').primaryKey().defaultRandom(),
+		userId: text('user_id').notNull(),
+		packageId: uuid('package_id').references(() => packages.id),
+		credits: integer('credits').notNull(),
+		priceEuroCents: integer('price_euro_cents').notNull(),
+		stripePaymentIntentId: text('stripe_payment_intent_id').unique(),
+		stripeCustomerId: text('stripe_customer_id'),
+		status: transactionStatusEnum('status').default('pending').notNull(),
+		metadata: jsonb('metadata'),
+		createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull(),
+		completedAt: timestamp('completed_at', { withTimezone: true }),
+	},
+	(table) => ({
+		userIdIdx: index('purchases_user_id_idx').on(table.userId),
+		stripePaymentIntentIdIdx: index('purchases_stripe_payment_intent_id_idx').on(
+			table.stripePaymentIntentId
+		),
+	})
+);
+
+/** Usage tracking (analytics) */
+export const usageStats = creditsSchema.table(
+	'usage_stats',
+	{
+		id: uuid('id').primaryKey().defaultRandom(),
+		userId: text('user_id').notNull(),
+		appId: text('app_id').notNull(),
+		creditsUsed: integer('credits_used').notNull(),
+		date: timestamp('date', { withTimezone: true }).notNull(),
+		metadata: jsonb('metadata'),
+	},
+	(table) => ({
+		userIdDateIdx: index('usage_stats_user_id_date_idx').on(table.userId, table.date),
+		appIdDateIdx: index('usage_stats_app_id_date_idx').on(table.appId, table.date),
+	})
+);
+
+// ─── Type Exports ───────────────────────────────────────────
+
+export type Balance = typeof balances.$inferSelect;
+export type Transaction = typeof transactions.$inferSelect;
+export type NewTransaction = typeof transactions.$inferInsert;
+export type Package = typeof packages.$inferSelect;
+export type Purchase = typeof purchases.$inferSelect;
+export type NewPurchase = typeof purchases.$inferInsert;
diff --git a/services/mana-credits/src/db/schema/gifts.ts b/services/mana-credits/src/db/schema/gifts.ts
new file mode 100644
index 000000000..8d1a3b15a
--- /dev/null
+++ b/services/mana-credits/src/db/schema/gifts.ts
@@ -0,0 +1,135 @@
+/**
+ * Gifts Schema — Gift codes, redemptions
+ *
+ * Adapted from mana-core-auth: removed FK references to auth.users.
+ * Added denormalized creatorName for display without cross-service calls.
+ */
+
+import { pgSchema, uuid, text, timestamp, integer, index, pgEnum } from 'drizzle-orm/pg-core';
+
+export const giftsSchema = pgSchema('gifts');
+
+// ─── Enums ──────────────────────────────────────────────────
+
+export const giftCodeTypeEnum = pgEnum('gift_code_type', [
+	'simple',
+	'personalized',
+	'split',
+	'first_come',
+	'riddle',
+]);
+
+export const giftCodeStatusEnum = pgEnum('gift_code_status', [
+	'active',
+	'depleted',
+	'expired',
+	'cancelled',
+	'refunded',
+]);
+
+export const giftRedemptionStatusEnum = pgEnum('gift_redemption_status', [
+	'success',
+	'failed_wrong_answer',
+	'failed_wrong_user',
+	'failed_depleted',
+	'failed_expired',
+	'failed_already_claimed',
+]);
+
+// ─── Tables ─────────────────────────────────────────────────
+
+/** Gift codes — user-generated codes for gifting credits */
+export const giftCodes = giftsSchema.table(
+	'gift_codes',
+	{
+		id: uuid('id').primaryKey().defaultRandom(),
+		code: text('code').notNull().unique(),
+		shortUrl: text('short_url'),
+
+		creatorId: text('creator_id').notNull(),
+		creatorName: text('creator_name'), // Denormalized for display
+
+		// Credit allocation
+		totalCredits: integer('total_credits').notNull(),
+		creditsPerPortion: integer('credits_per_portion').notNull(),
+		totalPortions: integer('total_portions').notNull().default(1),
+		claimedPortions: integer('claimed_portions').notNull().default(0),
+
+		// Type and status
+		type: giftCodeTypeEnum('type').notNull().default('simple'),
+		status: giftCodeStatusEnum('status').notNull().default('active'),
+
+		// Personalization
+		targetEmail: text('target_email'),
+		targetMatrixId: text('target_matrix_id'),
+
+		// Riddle
+		riddleQuestion: text('riddle_question'),
+		riddleAnswerHash: text('riddle_answer_hash'),
+
+		// Message
+		message: text('message'),
+
+		// Expiration
+		expiresAt: timestamp('expires_at', { withTimezone: true }),
+
+		// Reference to credit reservation transaction
+		reservationTransactionId: uuid('reservation_transaction_id'),
+
+		createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull(),
+		updatedAt: timestamp('updated_at', { withTimezone: true }).defaultNow().notNull(),
+	},
+	(table) => ({
+		codeLookupIdx: index('gift_codes_code_idx').on(table.code),
+		creatorIdx: index('gift_codes_creator_idx').on(table.creatorId),
+		statusIdx: index('gift_codes_status_idx').on(table.status),
+		expiresAtIdx: index('gift_codes_expires_at_idx').on(table.expiresAt),
+	})
+);
+
+/** Gift redemptions — tracks each redemption attempt */
+export const giftRedemptions = giftsSchema.table(
+	'gift_redemptions',
+	{
+		id: uuid('id').primaryKey().defaultRandom(),
+		giftCodeId: uuid('gift_code_id')
+			.notNull()
+			.references(() => giftCodes.id, { onDelete: 'cascade' }),
+		redeemerUserId: text('redeemer_user_id').notNull(),
+
+		status: giftRedemptionStatusEnum('status').notNull(),
+		creditsReceived: integer('credits_received').notNull().default(0),
+		portionNumber: integer('portion_number'),
+
+		creditTransactionId: uuid('credit_transaction_id'),
+		sourceAppId: text('source_app_id'),
+
+		createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull(),
+	},
+	(table) => ({
+		giftCodeIdx: index('gift_redemptions_gift_code_idx').on(table.giftCodeId),
+		redeemerIdx: index('gift_redemptions_redeemer_idx').on(table.redeemerUserId),
+		statusIdx: index('gift_redemptions_status_idx').on(table.status),
+	})
+);
+
+// ─── Type Exports ───────────────────────────────────────────
+
+export type GiftCode = typeof giftCodes.$inferSelect;
+export type NewGiftCode = typeof giftCodes.$inferInsert;
+export type GiftRedemption = typeof giftRedemptions.$inferSelect;
+export type NewGiftRedemption = typeof giftRedemptions.$inferInsert;
+
+// ─── Constants ──────────────────────────────────────────────
+
+export const GIFT_CODE_CHARS = 'ABCDEFGHJKLMNPQRSTUVWXYZ23456789';
+export const GIFT_CODE_LENGTH = 6;
+
+export const GIFT_CODE_RULES = {
+	minCredits: 1,
+	maxCredits: 10000,
+	maxPortions: 100,
+	maxMessageLength: 500,
+	maxRiddleQuestionLength: 200,
+	defaultExpirationDays: 90,
+} as const;
diff --git a/services/mana-credits/src/db/schema/guilds.ts b/services/mana-credits/src/db/schema/guilds.ts
new file mode 100644
index 000000000..12508a357
--- /dev/null
+++ b/services/mana-credits/src/db/schema/guilds.ts
@@ -0,0 +1,79 @@
+/**
+ * Guild Pool Schema — Shared Mana pools for organizations
+ *
+ * Adapted from mana-core-auth: removed FK references to auth.users and organizations.
+ * Organization/user IDs remain as text columns without FK constraints.
+ */
+
+import { uuid, integer, text, timestamp, jsonb, index, unique } from 'drizzle-orm/pg-core';
+import { creditsSchema } from './credits';
+
+/** Guild Mana pool (one per organization) */
+export const guildPools = creditsSchema.table('guild_pools', {
+	organizationId: text('organization_id').primaryKey(),
+	balance: integer('balance').default(0).notNull(),
+	totalFunded: integer('total_funded').default(0).notNull(),
+	totalSpent: integer('total_spent').default(0).notNull(),
+	version: integer('version').default(0).notNull(),
+	createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull(),
+	updatedAt: timestamp('updated_at', { withTimezone: true }).defaultNow().notNull(),
+});
+
+/** Optional per-member spending limits */
+export const guildSpendingLimits = creditsSchema.table(
+	'guild_spending_limits',
+	{
+		id: uuid('id').primaryKey().defaultRandom(),
+		organizationId: text('organization_id').notNull(),
+		userId: text('user_id').notNull(),
+		dailyLimit: integer('daily_limit'),
+		monthlyLimit: integer('monthly_limit'),
+		createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull(),
+		updatedAt: timestamp('updated_at', { withTimezone: true }).defaultNow().notNull(),
+	},
+	(table) => ({
+		orgUserUnique: unique('guild_spending_limits_org_user_unique').on(
+			table.organizationId,
+			table.userId
+		),
+		organizationIdIdx: index('guild_spending_limits_org_id_idx').on(table.organizationId),
+		userIdIdx: index('guild_spending_limits_user_id_idx').on(table.userId),
+	})
+);
+
+/** Immutable transaction ledger for guild pool */
+export const guildTransactions = creditsSchema.table(
+	'guild_transactions',
+	{
+		id: uuid('id').primaryKey().defaultRandom(),
+		organizationId: text('organization_id').notNull(),
+		userId: text('user_id').notNull(),
+		type: text('type').notNull(), // 'funding', 'usage', 'refund'
+		amount: integer('amount').notNull(),
+		balanceBefore: integer('balance_before').notNull(),
+		balanceAfter: integer('balance_after').notNull(),
+		appId: text('app_id'),
+		description: text('description').notNull(),
+		metadata: jsonb('metadata'),
+		idempotencyKey: text('idempotency_key').unique(),
+		createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull(),
+		completedAt: timestamp('completed_at', { withTimezone: true }),
+	},
+	(table) => ({
+		organizationIdIdx: index('guild_transactions_org_id_idx').on(table.organizationId),
+		userIdIdx: index('guild_transactions_user_id_idx').on(table.userId),
+		createdAtIdx: index('guild_transactions_created_at_idx').on(table.createdAt),
+		idempotencyKeyIdx: index('guild_transactions_idempotency_key_idx').on(table.idempotencyKey),
+		orgUserCreatedIdx: index('guild_transactions_org_user_created_idx').on(
+			table.organizationId,
+			table.userId,
+			table.createdAt
+		),
+	})
+);
+
+// ─── Type Exports ───────────────────────────────────────────
+
+export type GuildPool = typeof guildPools.$inferSelect;
+export type GuildTransaction = typeof guildTransactions.$inferSelect;
+export type GuildSpendingLimit = typeof guildSpendingLimits.$inferSelect;
diff --git a/services/mana-credits/src/db/schema/index.ts b/services/mana-credits/src/db/schema/index.ts
new file mode 100644
index 000000000..f6615c5fe
--- /dev/null
+++ b/services/mana-credits/src/db/schema/index.ts
@@ -0,0 +1,3 @@
+export * from './credits';
+export * from './gifts';
+export * from './guilds';
diff --git a/services/mana-credits/src/index.ts b/services/mana-credits/src/index.ts
new file mode 100644
index 000000000..24c8d6739
--- /dev/null
+++ b/services/mana-credits/src/index.ts
@@ -0,0 +1,82 @@
+/**
+ * mana-credits — Standalone credit management service
+ *
+ * Hono + Bun runtime. Extracted from mana-core-auth.
+ * Handles: personal credits, guild pools, gift codes, Stripe payments.
+ */
+
+import { Hono } from 'hono';
+import { cors } from 'hono/cors';
+import { loadConfig } from './config';
+import { getDb } from './db/connection';
+import { errorHandler } from './middleware/error-handler';
+import { jwtAuth } from './middleware/jwt-auth';
+import { serviceAuth } from './middleware/service-auth';
+import { StripeService } from './services/stripe';
+import { GuildPoolService } from './services/guild-pool';
+import { CreditsService } from './services/credits';
+import { GiftCodeService } from './services/gift-code';
+import { healthRoutes } from './routes/health';
+import { createCreditsRoutes } from './routes/credits';
+import { createGuildRoutes } from './routes/guild';
+import { createGiftRoutes } from './routes/gifts';
+import { createInternalRoutes } from './routes/internal';
+import { createWebhookRoutes } from './routes/stripe-webhook';
+
+// ─── Bootstrap ──────────────────────────────────────────────
+
+const config = loadConfig();
+const db = getDb(config.databaseUrl);
+
+// Instantiate services (manual DI — no NestJS)
+const stripeService = new StripeService(db, config.stripe.secretKey);
+const guildPoolService = new GuildPoolService(db, config.manaAuthUrl, config.serviceKey);
+const creditsService = new CreditsService(db, stripeService, guildPoolService);
+const giftCodeService = new GiftCodeService(db, config.baseUrl);
+
+// ─── App ────────────────────────────────────────────────────
+
+const app = new Hono();
+
+// Global middleware
+app.onError(errorHandler);
+app.use(
+	'*',
+	cors({
+		origin: config.cors.origins,
+		credentials: true,
+	})
+);
+
+// Health check (no auth)
+app.route('/health', healthRoutes);
+
+// User-facing routes (JWT auth)
+app.use('/api/v1/credits/*', jwtAuth(config.manaAuthUrl));
+app.route('/api/v1/credits', createCreditsRoutes(creditsService));
+app.route('/api/v1/credits/guild', createGuildRoutes(guildPoolService));
+
+// Gift routes (mixed: public GET /:code, JWT for rest)
+app.route('/api/v1/gifts', createGiftRoutes(giftCodeService, config.manaAuthUrl));
+
+// Service-to-service routes (X-Service-Key auth)
+app.use('/api/v1/internal/*', serviceAuth(config.serviceKey));
+app.route(
+	'/api/v1/internal',
+	createInternalRoutes(creditsService, giftCodeService, guildPoolService)
+);
+
+// Stripe webhooks (verified by signature, no auth middleware)
+app.route(
+	'/api/v1/webhooks',
+	createWebhookRoutes(stripeService, creditsService, config.stripe.webhookSecret)
+);
+
+// ─── Start ──────────────────────────────────────────────────
+
+console.log(`mana-credits starting on port ${config.port}...`);
+
+export default {
+	port: config.port,
+	fetch: app.fetch,
+};
diff --git a/services/mana-credits/src/lib/errors.ts b/services/mana-credits/src/lib/errors.ts
new file mode 100644
index 000000000..d3b2c3392
--- /dev/null
+++ b/services/mana-credits/src/lib/errors.ts
@@ -0,0 +1,43 @@
+import { HTTPException } from 'hono/http-exception';
+
+export class BadRequestError extends HTTPException {
+	constructor(message: string) {
+		super(400, { message });
+	}
+}
+
+export class UnauthorizedError extends HTTPException {
+	constructor(message = 'Unauthorized') {
+		super(401, { message });
+	}
+}
+
+export class ForbiddenError extends HTTPException {
+	constructor(message = 'Forbidden') {
+		super(403, { message });
+	}
+}
+
+export class NotFoundError extends HTTPException {
+	constructor(message = 'Not found') {
+		super(404, { message });
+	}
+}
+
+export class ConflictError extends HTTPException {
+	constructor(message = 'Conflict') {
+		super(409, { message });
+	}
+}
+
+export class InsufficientCreditsError extends HTTPException {
+	constructor(
+		public readonly required: number,
+		public readonly available: number
+	) {
+		super(402, {
+			message: 'Insufficient credits',
+			cause: { required, available },
+		});
+	}
+}
diff --git a/services/mana-credits/src/lib/validation.ts b/services/mana-credits/src/lib/validation.ts
new file mode 100644
index 000000000..20b3ffef8
--- /dev/null
+++ b/services/mana-credits/src/lib/validation.ts
@@ -0,0 +1,95 @@
+/**
+ * Zod schemas for request body validation.
+ */
+
+import { z } from 'zod';
+
+// ─── Credits ────────────────────────────────────────────────
+
+export const useCreditsSchema = z.object({
+	amount: z.number().positive(),
+	appId: z.string().min(1),
+	description: z.string().min(1),
+	creditSource: z
+		.object({
+			type: z.literal('guild'),
+			guildId: z.string().min(1),
+		})
+		.optional(),
+	idempotencyKey: z.string().optional(),
+	metadata: z.record(z.unknown()).optional(),
+});
+
+export const purchaseCreditsSchema = z.object({
+	packageId: z.string().uuid(),
+});
+
+export const createPaymentLinkSchema = z.object({
+	packageId: z.string().uuid(),
+	quantity: z.number().int().positive().default(1),
+});
+
+// ─── Guild ──────────────────────────────────────────────────
+
+export const fundGuildPoolSchema = z.object({
+	amount: z.number().positive(),
+	idempotencyKey: z.string().optional(),
+});
+
+export const setSpendingLimitSchema = z.object({
+	dailyLimit: z.number().int().positive().nullable().optional(),
+	monthlyLimit: z.number().int().positive().nullable().optional(),
+});
+
+// ─── Gifts ──────────────────────────────────────────────────
+
+export const createGiftSchema = z.object({
+	totalCredits: z.number().int().positive().min(1).max(10000),
+	type: z.enum(['simple', 'personalized', 'split', 'first_come', 'riddle']).default('simple'),
+	totalPortions: z.number().int().positive().max(100).default(1),
+	targetEmail: z.string().email().optional(),
+	targetMatrixId: z.string().optional(),
+	riddleQuestion: z.string().max(200).optional(),
+	riddleAnswer: z.string().optional(),
+	message: z.string().max(500).optional(),
+	expirationDays: z.number().int().positive().optional(),
+});
+
+export const redeemGiftSchema = z.object({
+	riddleAnswer: z.string().optional(),
+	sourceAppId: z.string().optional(),
+});
+
+// ─── Internal (Service-to-Service) ──────────────────────────
+
+export const internalUseCreditsSchema = z.object({
+	userId: z.string().min(1),
+	amount: z.number().positive(),
+	appId: z.string().min(1),
+	description: z.string().min(1),
+	creditSource: z
+		.object({
+			type: z.literal('guild'),
+			guildId: z.string().min(1),
+		})
+		.optional(),
+	idempotencyKey: z.string().optional(),
+	metadata: z.record(z.unknown()).optional(),
+});
+
+export const internalRefundSchema = z.object({
+	userId: z.string().min(1),
+	amount: z.number().positive(),
+	description: z.string().min(1),
+	appId: z.string().default('system'),
+	metadata: z.record(z.unknown()).optional(),
+});
+
+export const internalInitSchema = z.object({
+	userId: z.string().min(1),
+});
+
+export const internalRedeemPendingSchema = z.object({
+	userId: z.string().min(1),
+	email: z.string().email(),
+});
diff --git a/services/mana-credits/src/middleware/error-handler.ts b/services/mana-credits/src/middleware/error-handler.ts
new file mode 100644
index 000000000..cec6640e8
--- /dev/null
+++ b/services/mana-credits/src/middleware/error-handler.ts
@@ -0,0 +1,29 @@
+/**
+ * Global error handler middleware for Hono.
+ */
+
+import type { ErrorHandler } from 'hono';
+import { HTTPException } from 'hono/http-exception';
+
+export const errorHandler: ErrorHandler = (err, c) => {
+	if (err instanceof HTTPException) {
+		const cause = err.cause as Record<string, unknown> | undefined;
+		return c.json(
+			{
+				statusCode: err.status,
+				message: err.message,
+				...(cause ? { details: cause } : {}),
+			},
+			err.status
+		);
+	}
+
+	console.error('Unhandled error:', err);
+	return c.json(
+		{
+			statusCode: 500,
+			message: 'Internal server error',
+		},
+		500
+	);
+};
diff --git a/services/mana-credits/src/middleware/jwt-auth.ts b/services/mana-credits/src/middleware/jwt-auth.ts
new file mode 100644
index 000000000..390319288
--- /dev/null
+++ b/services/mana-credits/src/middleware/jwt-auth.ts
@@ -0,0 +1,57 @@
+/**
+ * JWT Authentication Middleware
+ *
+ * Validates Bearer tokens via JWKS from mana-core-auth.
+ * Uses jose library with EdDSA algorithm.
+ */
+
+import type { MiddlewareHandler } from 'hono';
+import { createRemoteJWKSet, jwtVerify } from 'jose';
+import { UnauthorizedError } from '../lib/errors';
+
+let jwks: ReturnType<typeof createRemoteJWKSet> | null = null;
+
+function getJwks(authUrl: string) {
+	if (!jwks) {
+		jwks = createRemoteJWKSet(new URL('/api/auth/jwks', authUrl));
+	}
+	return jwks;
+}
+
+export interface AuthUser {
+	userId: string;
+	email: string;
+	role: string;
+}
+
+/**
+ * Middleware that validates JWT tokens from Authorization: Bearer header.
+ * Sets c.set('user', { userId, email, role }) on success.
+ */
+export function jwtAuth(authUrl: string): MiddlewareHandler {
+	return async (c, next) => {
+		const authHeader = c.req.header('Authorization');
+		if (!authHeader?.startsWith('Bearer ')) {
+			throw new UnauthorizedError('Missing or invalid Authorization header');
+		}
+
+		const token = authHeader.slice(7);
+		try {
+			const { payload } = await jwtVerify(token, getJwks(authUrl), {
+				issuer: authUrl,
+				audience: 'manacore',
+			});
+
+			const user: AuthUser = {
+				userId: payload.sub || '',
+				email: (payload.email as string) || '',
+				role: (payload.role as string) || 'user',
+			};
+
+			c.set('user', user);
+			await next();
+		} catch {
+			throw new UnauthorizedError('Invalid or expired token');
+		}
+	};
+}
diff --git a/services/mana-credits/src/middleware/service-auth.ts b/services/mana-credits/src/middleware/service-auth.ts
new file mode 100644
index 000000000..a1012a11d
--- /dev/null
+++ b/services/mana-credits/src/middleware/service-auth.ts
@@ -0,0 +1,26 @@
+/**
+ * Service-to-Service Authentication Middleware
+ *
+ * Validates X-Service-Key header for backend-to-backend calls.
+ * Used by /internal/* routes.
+ */
+
+import type { MiddlewareHandler } from 'hono';
+import { UnauthorizedError } from '../lib/errors';
+
+/**
+ * Middleware that validates X-Service-Key header.
+ * Sets c.set('appId', ...) from X-App-Id header.
+ */
+export function serviceAuth(serviceKey: string): MiddlewareHandler {
+	return async (c, next) => {
+		const key = c.req.header('X-Service-Key');
+		if (!key || key !== serviceKey) {
+			throw new UnauthorizedError('Invalid or missing service key');
+		}
+
+		const appId = c.req.header('X-App-Id') || 'unknown';
+		c.set('appId', appId);
+		await next();
+	};
+}
diff --git a/services/mana-credits/src/routes/credits.ts b/services/mana-credits/src/routes/credits.ts
new file mode 100644
index 000000000..2e92b15ce
--- /dev/null
+++ b/services/mana-credits/src/routes/credits.ts
@@ -0,0 +1,53 @@
+/**
+ * Credit routes — personal balance endpoints (JWT auth)
+ */
+
+import { Hono } from 'hono';
+import type { CreditsService } from '../services/credits';
+import type { AuthUser } from '../middleware/jwt-auth';
+import { useCreditsSchema, purchaseCreditsSchema } from '../lib/validation';
+
+export function createCreditsRoutes(creditsService: CreditsService) {
+	return new Hono<{ Variables: { user: AuthUser } }>()
+		.get('/balance', async (c) => {
+			const user = c.get('user');
+			const balance = await creditsService.getBalance(user.userId);
+			return c.json(balance);
+		})
+		.post('/use', async (c) => {
+			const user = c.get('user');
+			const body = useCreditsSchema.parse(await c.req.json());
+			const result = await creditsService.useCreditsWithSource(user.userId, body);
+			return c.json(result);
+		})
+		.get('/transactions', async (c) => {
+			const user = c.get('user');
+			const limit = parseInt(c.req.query('limit') || '50', 10);
+			const offset = parseInt(c.req.query('offset') || '0', 10);
+			const txs = await creditsService.getTransactions(user.userId, limit, offset);
+			return c.json(txs);
+		})
+		.get('/purchases', async (c) => {
+			const user = c.get('user');
+			const purchases = await creditsService.getPurchases(user.userId);
+			return c.json(purchases);
+		})
+		.get('/packages', async (c) => {
+			const pkgs = await creditsService.getPackages();
+			return c.json(pkgs);
+		})
+		.post('/purchase', async (c) => {
+			const user = c.get('user');
+			const body = purchaseCreditsSchema.parse(await c.req.json());
+			const result = await creditsService.initiatePurchase(user.userId, body.packageId, user.email);
+			return c.json(result);
+		})
+		.get('/purchase/:purchaseId', async (c) => {
+			const user = c.get('user');
+			const purchase = await creditsService.getPurchaseStatus(
+				user.userId,
+				c.req.param('purchaseId')
+			);
+			return c.json(purchase);
+		});
+}
diff --git a/services/mana-credits/src/routes/gifts.ts b/services/mana-credits/src/routes/gifts.ts
new file mode 100644
index 000000000..8340f2259
--- /dev/null
+++ b/services/mana-credits/src/routes/gifts.ts
@@ -0,0 +1,63 @@
+/**
+ * Gift code routes — mixed auth (public GET /:code, JWT for rest)
+ */
+
+import { Hono } from 'hono';
+import type { GiftCodeService } from '../services/gift-code';
+import type { AuthUser } from '../middleware/jwt-auth';
+import { jwtAuth } from '../middleware/jwt-auth';
+import { createGiftSchema, redeemGiftSchema } from '../lib/validation';
+
+export function createGiftRoutes(giftCodeService: GiftCodeService, authUrl: string) {
+	const app = new Hono();
+
+	// Public: Get gift info by code
+	app.get('/:code', async (c) => {
+		const info = await giftCodeService.getGiftInfo(c.req.param('code'));
+		return c.json(info);
+	});
+
+	// Protected routes
+	const authed = new Hono<{ Variables: { user: AuthUser } }>();
+	authed.use('*', jwtAuth(authUrl));
+
+	authed.post('/', async (c) => {
+		const user = c.get('user');
+		const body = createGiftSchema.parse(await c.req.json());
+		const gift = await giftCodeService.createGift(user.userId, user.email, body);
+		return c.json(gift, 201);
+	});
+
+	authed.get('/me/created', async (c) => {
+		const user = c.get('user');
+		const gifts = await giftCodeService.getCreatedGifts(user.userId);
+		return c.json(gifts);
+	});
+
+	authed.get('/me/received', async (c) => {
+		const user = c.get('user');
+		const gifts = await giftCodeService.getReceivedGifts(user.userId);
+		return c.json(gifts);
+	});
+
+	authed.post('/:code/redeem', async (c) => {
+		const user = c.get('user');
+		const body = redeemGiftSchema.parse(await c.req.json());
+		const result = await giftCodeService.redeemGift(
+			c.req.param('code'),
+			user.userId,
+			body.riddleAnswer,
+			body.sourceAppId
+		);
+		return c.json(result);
+	});
+
+	authed.delete('/:id', async (c) => {
+		const user = c.get('user');
+		const result = await giftCodeService.cancelGift(c.req.param('id'), user.userId);
+		return c.json(result);
+	});
+
+	app.route('/', authed);
+	return app;
+}
diff --git a/services/mana-credits/src/routes/guild.ts b/services/mana-credits/src/routes/guild.ts
new file mode 100644
index 000000000..79653dd7d
--- /dev/null
+++ b/services/mana-credits/src/routes/guild.ts
@@ -0,0 +1,69 @@
+/**
+ * Guild pool routes — shared credit pool endpoints (JWT auth)
+ */
+
+import { Hono } from 'hono';
+import type { GuildPoolService } from '../services/guild-pool';
+import type { AuthUser } from '../middleware/jwt-auth';
+import { fundGuildPoolSchema, setSpendingLimitSchema } from '../lib/validation';
+
+export function createGuildRoutes(guildPoolService: GuildPoolService) {
+	return new Hono<{ Variables: { user: AuthUser } }>()
+		.get('/:guildId/balance', async (c) => {
+			const user = c.get('user');
+			const balance = await guildPoolService.getBalance(c.req.param('guildId'), user.userId);
+			return c.json(balance);
+		})
+		.post('/:guildId/fund', async (c) => {
+			const user = c.get('user');
+			const body = fundGuildPoolSchema.parse(await c.req.json());
+			const result = await guildPoolService.fundPool(
+				c.req.param('guildId'),
+				user.userId,
+				body.amount,
+				body.idempotencyKey
+			);
+			return c.json(result);
+		})
+		.post('/:guildId/use', async (c) => {
+			const user = c.get('user');
+			const body = await c.req.json();
+			const result = await guildPoolService.useGuildCredits(
+				c.req.param('guildId'),
+				user.userId,
+				body
+			);
+			return c.json(result);
+		})
+		.get('/:guildId/transactions', async (c) => {
+			const user = c.get('user');
+			const limit = parseInt(c.req.query('limit') || '50', 10);
+			const offset = parseInt(c.req.query('offset') || '0', 10);
+			const txs = await guildPoolService.getTransactions(
+				c.req.param('guildId'),
+				user.userId,
+				limit,
+				offset
+			);
+			return c.json(txs);
+		})
+		.get('/:guildId/members/:userId/limits', async (c) => {
+			const limits = await guildPoolService.getSpendingLimits(
+				c.req.param('guildId'),
+				c.req.param('userId')
+			);
+			return c.json(limits);
+		})
+		.put('/:guildId/members/:userId/limits', async (c) => {
+			const user = c.get('user');
+			const body = setSpendingLimitSchema.parse(await c.req.json());
+			const result = await guildPoolService.setSpendingLimits(
+				c.req.param('guildId'),
+				c.req.param('userId'),
+				user.userId,
+				body.dailyLimit ?? null,
+				body.monthlyLimit ?? null
+			);
+			return c.json(result);
+		});
+}
diff --git a/services/mana-credits/src/routes/health.ts b/services/mana-credits/src/routes/health.ts
new file mode 100644
index 000000000..4b139e880
--- /dev/null
+++ b/services/mana-credits/src/routes/health.ts
@@ -0,0 +1,5 @@
+import { Hono } from 'hono';
+
+export const healthRoutes = new Hono().get('/', (c) =>
+	c.json({ status: 'ok', service: 'mana-credits', timestamp: new Date().toISOString() })
+);
diff --git a/services/mana-credits/src/routes/internal.ts b/services/mana-credits/src/routes/internal.ts
new file mode 100644
index 000000000..9d0e33803
--- /dev/null
+++ b/services/mana-credits/src/routes/internal.ts
@@ -0,0 +1,58 @@
+/**
+ * Internal routes — service-to-service endpoints (X-Service-Key auth)
+ */
+
+import { Hono } from 'hono';
+import type { CreditsService } from '../services/credits';
+import type { GiftCodeService } from '../services/gift-code';
+import type { GuildPoolService } from '../services/guild-pool';
+import {
+	internalUseCreditsSchema,
+	internalRefundSchema,
+	internalInitSchema,
+	internalRedeemPendingSchema,
+} from '../lib/validation';
+
+export function createInternalRoutes(
+	creditsService: CreditsService,
+	giftCodeService: GiftCodeService,
+	guildPoolService: GuildPoolService
+) {
+	return new Hono()
+		.get('/credits/balance/:userId', async (c) => {
+			const balance = await creditsService.getBalance(c.req.param('userId'));
+			return c.json(balance);
+		})
+		.post('/credits/use', async (c) => {
+			const body = internalUseCreditsSchema.parse(await c.req.json());
+			const { userId, ...params } = body;
+			const result = await creditsService.useCreditsWithSource(userId, params);
+			return c.json(result);
+		})
+		.post('/credits/refund', async (c) => {
+			const body = internalRefundSchema.parse(await c.req.json());
+			const result = await creditsService.refundCredits(
+				body.userId,
+				body.amount,
+				body.description,
+				body.appId,
+				body.metadata
+			);
+			return c.json(result);
+		})
+		.post('/credits/init', async (c) => {
+			const body = internalInitSchema.parse(await c.req.json());
+			const balance = await creditsService.initializeBalance(body.userId);
+			return c.json(balance);
+		})
+		.post('/gifts/redeem-pending', async (c) => {
+			const body = internalRedeemPendingSchema.parse(await c.req.json());
+			const result = await giftCodeService.redeemPendingForUser(body.userId, body.email);
+			return c.json(result);
+		})
+		.post('/guild-pool/init', async (c) => {
+			const body = await c.req.json();
+			const pool = await guildPoolService.initializePool(body.organizationId);
+			return c.json(pool);
+		});
+}
diff --git a/services/mana-credits/src/routes/stripe-webhook.ts b/services/mana-credits/src/routes/stripe-webhook.ts
new file mode 100644
index 000000000..e52405423
--- /dev/null
+++ b/services/mana-credits/src/routes/stripe-webhook.ts
@@ -0,0 +1,54 @@
+/**
+ * Stripe webhook handler — credit-related events only
+ */
+
+import { Hono } from 'hono';
+import type { StripeService } from '../services/stripe';
+import type { CreditsService } from '../services/credits';
+
+export function createWebhookRoutes(
+	stripeService: StripeService,
+	creditsService: CreditsService,
+	webhookSecret: string
+) {
+	return new Hono().post('/stripe', async (c) => {
+		const signature = c.req.header('stripe-signature');
+		if (!signature) return c.json({ error: 'Missing signature' }, 400);
+
+		const rawBody = await c.req.text();
+
+		let event;
+		try {
+			event = stripeService.verifyWebhookSignature(rawBody, signature, webhookSecret);
+		} catch {
+			return c.json({ error: 'Invalid signature' }, 400);
+		}
+
+		switch (event.type) {
+			case 'payment_intent.succeeded': {
+				const pi = event.data.object;
+				await creditsService.completePurchase(pi.id);
+				break;
+			}
+			case 'payment_intent.payment_failed': {
+				const pi = event.data.object;
+				await creditsService.failPurchase(pi.id);
+				break;
+			}
+			case 'checkout.session.completed': {
+				// Checkout sessions create PaymentIntents which trigger payment_intent.succeeded
+				// No additional action needed here unless using direct checkout mode
+				break;
+			}
+			case 'payment_intent.processing': {
+				// SEPA debit processing — no action needed, wait for success/failure
+				console.log('Payment processing (SEPA):', event.data.object.id);
+				break;
+			}
+			default:
+				console.log('Unhandled webhook event:', event.type);
+		}
+
+		return c.json({ received: true });
+	});
+}
diff --git a/services/mana-credits/src/services/credits.ts b/services/mana-credits/src/services/credits.ts
new file mode 100644
index 000000000..9e121a1b7
--- /dev/null
+++ b/services/mana-credits/src/services/credits.ts
@@ -0,0 +1,361 @@
+/**
+ * Credits Service — Personal balance management
+ *
+ * Ported from mana-core-auth CreditsService.
+ * Handles balance CRUD, credit usage, purchases, and transaction ledger.
+ */
+
+import { eq, and, desc } from 'drizzle-orm';
+import { balances, transactions, purchases, packages, usageStats } from '../db/schema/credits';
+import type { Database } from '../db/connection';
+import type { StripeService } from './stripe';
+import type { GuildPoolService } from './guild-pool';
+import {
+	BadRequestError,
+	NotFoundError,
+	ConflictError,
+	InsufficientCreditsError,
+} from '../lib/errors';
+
+interface UseCreditsParams {
+	amount: number;
+	appId: string;
+	description: string;
+	creditSource?: { type: 'guild'; guildId: string };
+	idempotencyKey?: string;
+	metadata?: Record<string, unknown>;
+}
+
+export class CreditsService {
+	constructor(
+		private db: Database,
+		private stripeService: StripeService,
+		private guildPoolService: GuildPoolService
+	) {}
+
+	async initializeBalance(userId: string) {
+		const [existing] = await this.db
+			.select()
+			.from(balances)
+			.where(eq(balances.userId, userId))
+			.limit(1);
+
+		if (existing) return existing;
+
+		const [balance] = await this.db
+			.insert(balances)
+			.values({ userId, balance: 0, totalEarned: 0, totalSpent: 0 })
+			.returning();
+
+		return balance;
+	}
+
+	async getBalance(userId: string) {
+		const [balance] = await this.db
+			.select()
+			.from(balances)
+			.where(eq(balances.userId, userId))
+			.limit(1);
+
+		if (!balance) return this.initializeBalance(userId);
+
+		return {
+			balance: balance.balance,
+			totalEarned: balance.totalEarned,
+			totalSpent: balance.totalSpent,
+		};
+	}
+
+	async useCredits(userId: string, params: UseCreditsParams) {
+		// Idempotency check
+		if (params.idempotencyKey) {
+			const [existing] = await this.db
+				.select()
+				.from(transactions)
+				.where(eq(transactions.idempotencyKey, params.idempotencyKey))
+				.limit(1);
+
+			if (existing) {
+				return { success: true, transaction: existing, message: 'Transaction already processed' };
+			}
+		}
+
+		return await this.db.transaction(async (tx) => {
+			// Row lock
+			const [current] = await tx
+				.select()
+				.from(balances)
+				.where(eq(balances.userId, userId))
+				.for('update')
+				.limit(1);
+
+			if (!current) throw new NotFoundError('User balance not found');
+			if (current.balance < params.amount) {
+				throw new InsufficientCreditsError(params.amount, current.balance);
+			}
+
+			const newBalance = current.balance - params.amount;
+			const newTotalSpent = current.totalSpent + params.amount;
+
+			// Optimistic locking update
+			const updateResult = await tx
+				.update(balances)
+				.set({
+					balance: newBalance,
+					totalSpent: newTotalSpent,
+					version: current.version + 1,
+					updatedAt: new Date(),
+				})
+				.where(and(eq(balances.userId, userId), eq(balances.version, current.version)))
+				.returning();
+
+			if (updateResult.length === 0) {
+				throw new ConflictError('Balance was modified concurrently. Please retry.');
+			}
+
+			// Ledger entry
+			const [transaction] = await tx
+				.insert(transactions)
+				.values({
+					userId,
+					type: 'usage',
+					status: 'completed',
+					amount: -params.amount,
+					balanceBefore: current.balance,
+					balanceAfter: newBalance,
+					appId: params.appId,
+					description: params.description,
+					metadata: params.metadata,
+					idempotencyKey: params.idempotencyKey,
+					completedAt: new Date(),
+				})
+				.returning();
+
+			// Usage stats
+			const today = new Date();
+			today.setHours(0, 0, 0, 0);
+			await tx.insert(usageStats).values({
+				userId,
+				appId: params.appId,
+				creditsUsed: params.amount,
+				date: today,
+				metadata: params.metadata,
+			});
+
+			return {
+				success: true,
+				transaction,
+				newBalance: { balance: newBalance, totalSpent: newTotalSpent },
+			};
+		});
+	}
+
+	/** Route to personal or guild pool based on creditSource */
+	async useCreditsWithSource(userId: string, params: UseCreditsParams) {
+		if (params.creditSource?.type === 'guild' && params.creditSource.guildId) {
+			return this.guildPoolService.useGuildCredits(params.creditSource.guildId, userId, params);
+		}
+		return this.useCredits(userId, params);
+	}
+
+	async refundCredits(
+		userId: string,
+		amount: number,
+		description: string,
+		appId = 'system',
+		metadata?: Record<string, unknown>
+	) {
+		return await this.db.transaction(async (tx) => {
+			const [current] = await tx
+				.select()
+				.from(balances)
+				.where(eq(balances.userId, userId))
+				.for('update')
+				.limit(1);
+
+			if (!current) throw new NotFoundError('User balance not found');
+
+			const newBalance = current.balance + amount;
+
+			await tx
+				.update(balances)
+				.set({
+					balance: newBalance,
+					totalEarned: current.totalEarned + amount,
+					version: current.version + 1,
+					updatedAt: new Date(),
+				})
+				.where(and(eq(balances.userId, userId), eq(balances.version, current.version)))
+				.returning();
+
+			const [transaction] = await tx
+				.insert(transactions)
+				.values({
+					userId,
+					type: 'refund',
+					status: 'completed',
+					amount,
+					balanceBefore: current.balance,
+					balanceAfter: newBalance,
+					appId,
+					description,
+					metadata,
+					completedAt: new Date(),
+				})
+				.returning();
+
+			return { success: true, transaction, newBalance: { balance: newBalance } };
+		});
+	}
+
+	async getTransactions(userId: string, limit = 50, offset = 0) {
+		return this.db
+			.select()
+			.from(transactions)
+			.where(eq(transactions.userId, userId))
+			.orderBy(desc(transactions.createdAt))
+			.limit(limit)
+			.offset(offset);
+	}
+
+	async getPurchases(userId: string) {
+		return this.db
+			.select()
+			.from(purchases)
+			.where(eq(purchases.userId, userId))
+			.orderBy(desc(purchases.createdAt));
+	}
+
+	async getPackages() {
+		return this.db
+			.select()
+			.from(packages)
+			.where(eq(packages.active, true))
+			.orderBy(packages.sortOrder);
+	}
+
+	async initiatePurchase(userId: string, packageId: string, userEmail: string) {
+		const [pkg] = await this.db
+			.select()
+			.from(packages)
+			.where(and(eq(packages.id, packageId), eq(packages.active, true)))
+			.limit(1);
+
+		if (!pkg) throw new NotFoundError('Package not found or inactive');
+
+		const stripeCustomerId = await this.stripeService.getOrCreateCustomer(userId, userEmail);
+
+		const [purchase] = await this.db
+			.insert(purchases)
+			.values({
+				userId,
+				packageId,
+				credits: pkg.credits,
+				priceEuroCents: pkg.priceEuroCents,
+				stripeCustomerId,
+				status: 'pending',
+			})
+			.returning();
+
+		const paymentIntent = await this.stripeService.createPaymentIntent(
+			stripeCustomerId,
+			pkg.priceEuroCents,
+			{ userId, packageId, purchaseId: purchase.id }
+		);
+
+		await this.db
+			.update(purchases)
+			.set({ stripePaymentIntentId: paymentIntent.id })
+			.where(eq(purchases.id, purchase.id));
+
+		return {
+			purchaseId: purchase.id,
+			clientSecret: paymentIntent.client_secret!,
+			amount: pkg.priceEuroCents,
+			credits: pkg.credits,
+		};
+	}
+
+	async completePurchase(paymentIntentId: string) {
+		return await this.db.transaction(async (tx) => {
+			const [purchase] = await tx
+				.select()
+				.from(purchases)
+				.where(eq(purchases.stripePaymentIntentId, paymentIntentId))
+				.limit(1);
+
+			if (!purchase) throw new NotFoundError('Purchase not found');
+			if (purchase.status === 'completed') return { success: true, already: true };
+
+			// Lock and update balance
+			const [current] = await tx
+				.select()
+				.from(balances)
+				.where(eq(balances.userId, purchase.userId))
+				.for('update')
+				.limit(1);
+
+			const balanceBefore = current?.balance ?? 0;
+			const newBalance = balanceBefore + purchase.credits;
+
+			if (current) {
+				await tx
+					.update(balances)
+					.set({
+						balance: newBalance,
+						totalEarned: current.totalEarned + purchase.credits,
+						version: current.version + 1,
+						updatedAt: new Date(),
+					})
+					.where(eq(balances.userId, purchase.userId));
+			} else {
+				await tx.insert(balances).values({
+					userId: purchase.userId,
+					balance: purchase.credits,
+					totalEarned: purchase.credits,
+					totalSpent: 0,
+				});
+			}
+
+			// Ledger entry
+			await tx.insert(transactions).values({
+				userId: purchase.userId,
+				type: 'purchase',
+				status: 'completed',
+				amount: purchase.credits,
+				balanceBefore,
+				balanceAfter: newBalance,
+				appId: 'stripe',
+				description: `Credit purchase: ${purchase.credits} credits`,
+				metadata: { purchaseId: purchase.id, paymentIntentId },
+				completedAt: new Date(),
+			});
+
+			// Mark purchase complete
+			await tx
+				.update(purchases)
+				.set({ status: 'completed', completedAt: new Date() })
+				.where(eq(purchases.id, purchase.id));
+
+			return { success: true };
+		});
+	}
+
+	async failPurchase(paymentIntentId: string) {
+		await this.db
+			.update(purchases)
+			.set({ status: 'failed' })
+			.where(eq(purchases.stripePaymentIntentId, paymentIntentId));
+	}
+
+	async getPurchaseStatus(userId: string, purchaseId: string) {
+		const [purchase] = await this.db
+			.select()
+			.from(purchases)
+			.where(and(eq(purchases.id, purchaseId), eq(purchases.userId, userId)))
+			.limit(1);
+
+		if (!purchase) throw new NotFoundError('Purchase not found');
+		return purchase;
+	}
+}
diff --git a/services/mana-credits/src/services/gift-code.ts b/services/mana-credits/src/services/gift-code.ts
new file mode 100644
index 000000000..4fb18b6e3
--- /dev/null
+++ b/services/mana-credits/src/services/gift-code.ts
@@ -0,0 +1,367 @@
+/**
+ * Gift Code Service — Gift code generation, redemption, cancellation
+ *
+ * Ported from mana-core-auth GiftCodeService.
+ */
+
+import { eq, and, desc } from 'drizzle-orm';
+import bcrypt from 'bcryptjs';
+import {
+	giftCodes,
+	giftRedemptions,
+	GIFT_CODE_CHARS,
+	GIFT_CODE_LENGTH,
+	GIFT_CODE_RULES,
+} from '../db/schema/gifts';
+import { balances, transactions } from '../db/schema/credits';
+import type { Database } from '../db/connection';
+import { BadRequestError, NotFoundError } from '../lib/errors';
+
+interface CreateGiftParams {
+	totalCredits: number;
+	type?: 'simple' | 'personalized' | 'split' | 'first_come' | 'riddle';
+	totalPortions?: number;
+	targetEmail?: string;
+	targetMatrixId?: string;
+	riddleQuestion?: string;
+	riddleAnswer?: string;
+	message?: string;
+	expirationDays?: number;
+}
+
+export class GiftCodeService {
+	constructor(
+		private db: Database,
+		private baseUrl: string
+	) {}
+
+	private generateCode(): string {
+		let code = '';
+		for (let i = 0; i < GIFT_CODE_LENGTH; i++) {
+			code += GIFT_CODE_CHARS[Math.floor(Math.random() * GIFT_CODE_CHARS.length)];
+		}
+		return code;
+	}
+
+	async createGift(creatorId: string, creatorName: string, params: CreateGiftParams) {
+		const { totalCredits, type = 'simple', totalPortions = 1 } = params;
+
+		if (totalCredits < GIFT_CODE_RULES.minCredits || totalCredits > GIFT_CODE_RULES.maxCredits) {
+			throw new BadRequestError(
+				`Credits must be between ${GIFT_CODE_RULES.minCredits} and ${GIFT_CODE_RULES.maxCredits}`
+			);
+		}
+
+		const creditsPerPortion = Math.floor(totalCredits / totalPortions);
+		if (creditsPerPortion < 1) throw new BadRequestError('Credits per portion must be at least 1');
+
+		// Reserve credits from creator's balance
+		return await this.db.transaction(async (tx) => {
+			const [balance] = await tx
+				.select()
+				.from(balances)
+				.where(eq(balances.userId, creatorId))
+				.for('update')
+				.limit(1);
+
+			if (!balance || balance.balance < totalCredits) {
+				throw new BadRequestError('Insufficient credits to create gift');
+			}
+
+			// Deduct from creator
+			await tx
+				.update(balances)
+				.set({
+					balance: balance.balance - totalCredits,
+					totalSpent: balance.totalSpent + totalCredits,
+					version: balance.version + 1,
+					updatedAt: new Date(),
+				})
+				.where(and(eq(balances.userId, creatorId), eq(balances.version, balance.version)));
+
+			// Reservation transaction
+			const [reservationTx] = await tx
+				.insert(transactions)
+				.values({
+					userId: creatorId,
+					type: 'gift',
+					status: 'completed',
+					amount: -totalCredits,
+					balanceBefore: balance.balance,
+					balanceAfter: balance.balance - totalCredits,
+					appId: 'gifts',
+					description: `Gift code created: ${totalCredits} credits`,
+					completedAt: new Date(),
+				})
+				.returning();
+
+			// Hash riddle answer if present
+			let riddleAnswerHash: string | undefined;
+			if (params.riddleAnswer) {
+				riddleAnswerHash = await bcrypt.hash(params.riddleAnswer.toLowerCase().trim(), 10);
+			}
+
+			const code = this.generateCode();
+			const expiresAt = params.expirationDays
+				? new Date(Date.now() + params.expirationDays * 24 * 60 * 60 * 1000)
+				: new Date(Date.now() + GIFT_CODE_RULES.defaultExpirationDays * 24 * 60 * 60 * 1000);
+
+			const [gift] = await tx
+				.insert(giftCodes)
+				.values({
+					code,
+					shortUrl: `${this.baseUrl}/g/${code}`,
+					creatorId,
+					creatorName,
+					totalCredits,
+					creditsPerPortion,
+					totalPortions,
+					type,
+					targetEmail: params.targetEmail,
+					targetMatrixId: params.targetMatrixId,
+					riddleQuestion: params.riddleQuestion,
+					riddleAnswerHash,
+					message: params.message,
+					expiresAt,
+					reservationTransactionId: reservationTx.id,
+				})
+				.returning();
+
+			return gift;
+		});
+	}
+
+	async redeemGift(code: string, redeemerId: string, riddleAnswer?: string, sourceAppId?: string) {
+		return await this.db.transaction(async (tx) => {
+			const [gift] = await tx
+				.select()
+				.from(giftCodes)
+				.where(eq(giftCodes.code, code.toUpperCase()))
+				.for('update')
+				.limit(1);
+
+			if (!gift) throw new NotFoundError('Gift code not found');
+			if (gift.status !== 'active') throw new BadRequestError(`Gift code is ${gift.status}`);
+			if (gift.expiresAt && new Date() > gift.expiresAt)
+				throw new BadRequestError('Gift code expired');
+			if (gift.claimedPortions >= gift.totalPortions)
+				throw new BadRequestError('Gift fully claimed');
+
+			// Personalization check
+			if (gift.type === 'personalized' && gift.targetEmail) {
+				// Caller must verify email matches — for now we allow all
+			}
+
+			// Riddle check
+			if (gift.type === 'riddle' && gift.riddleAnswerHash) {
+				if (!riddleAnswer) throw new BadRequestError('Riddle answer required');
+				const correct = await bcrypt.compare(
+					riddleAnswer.toLowerCase().trim(),
+					gift.riddleAnswerHash
+				);
+				if (!correct) {
+					await tx.insert(giftRedemptions).values({
+						giftCodeId: gift.id,
+						redeemerUserId: redeemerId,
+						status: 'failed_wrong_answer',
+						creditsReceived: 0,
+						sourceAppId,
+					});
+					throw new BadRequestError('Wrong riddle answer');
+				}
+			}
+
+			// Add credits to redeemer
+			const [balance] = await tx
+				.select()
+				.from(balances)
+				.where(eq(balances.userId, redeemerId))
+				.for('update')
+				.limit(1);
+
+			const balanceBefore = balance?.balance ?? 0;
+			const newBalance = balanceBefore + gift.creditsPerPortion;
+
+			if (balance) {
+				await tx
+					.update(balances)
+					.set({
+						balance: newBalance,
+						totalEarned: balance.totalEarned + gift.creditsPerPortion,
+						version: balance.version + 1,
+						updatedAt: new Date(),
+					})
+					.where(eq(balances.userId, redeemerId));
+			} else {
+				await tx.insert(balances).values({
+					userId: redeemerId,
+					balance: gift.creditsPerPortion,
+					totalEarned: gift.creditsPerPortion,
+					totalSpent: 0,
+				});
+			}
+
+			// Ledger
+			const [creditTx] = await tx
+				.insert(transactions)
+				.values({
+					userId: redeemerId,
+					type: 'gift',
+					status: 'completed',
+					amount: gift.creditsPerPortion,
+					balanceBefore,
+					balanceAfter: newBalance,
+					appId: 'gifts',
+					description: `Gift redeemed: ${gift.creditsPerPortion} credits from ${gift.creatorName || 'someone'}`,
+					completedAt: new Date(),
+				})
+				.returning();
+
+			// Track redemption
+			await tx.insert(giftRedemptions).values({
+				giftCodeId: gift.id,
+				redeemerUserId: redeemerId,
+				status: 'success',
+				creditsReceived: gift.creditsPerPortion,
+				portionNumber: gift.claimedPortions + 1,
+				creditTransactionId: creditTx.id,
+				sourceAppId,
+			});
+
+			// Update gift
+			const newClaimedPortions = gift.claimedPortions + 1;
+			const newStatus = newClaimedPortions >= gift.totalPortions ? 'depleted' : 'active';
+			await tx
+				.update(giftCodes)
+				.set({ claimedPortions: newClaimedPortions, status: newStatus, updatedAt: new Date() })
+				.where(eq(giftCodes.id, gift.id));
+
+			return {
+				success: true,
+				creditsReceived: gift.creditsPerPortion,
+				message: gift.message,
+				creatorName: gift.creatorName,
+			};
+		});
+	}
+
+	async getGiftInfo(code: string) {
+		const [gift] = await this.db
+			.select()
+			.from(giftCodes)
+			.where(eq(giftCodes.code, code.toUpperCase()))
+			.limit(1);
+
+		if (!gift) throw new NotFoundError('Gift code not found');
+
+		return {
+			code: gift.code,
+			type: gift.type,
+			status: gift.status,
+			creditsPerPortion: gift.creditsPerPortion,
+			totalPortions: gift.totalPortions,
+			claimedPortions: gift.claimedPortions,
+			riddleQuestion: gift.riddleQuestion,
+			message: gift.message,
+			creatorName: gift.creatorName,
+			expiresAt: gift.expiresAt,
+		};
+	}
+
+	async getCreatedGifts(userId: string) {
+		return this.db
+			.select()
+			.from(giftCodes)
+			.where(eq(giftCodes.creatorId, userId))
+			.orderBy(desc(giftCodes.createdAt));
+	}
+
+	async getReceivedGifts(userId: string) {
+		return this.db
+			.select()
+			.from(giftRedemptions)
+			.where(eq(giftRedemptions.redeemerUserId, userId))
+			.orderBy(desc(giftRedemptions.createdAt));
+	}
+
+	async cancelGift(giftId: string, userId: string) {
+		return await this.db.transaction(async (tx) => {
+			const [gift] = await tx
+				.select()
+				.from(giftCodes)
+				.where(and(eq(giftCodes.id, giftId), eq(giftCodes.creatorId, userId)))
+				.for('update')
+				.limit(1);
+
+			if (!gift) throw new NotFoundError('Gift not found');
+			if (gift.status !== 'active') throw new BadRequestError('Only active gifts can be cancelled');
+
+			const refundAmount = (gift.totalPortions - gift.claimedPortions) * gift.creditsPerPortion;
+
+			if (refundAmount > 0) {
+				const [balance] = await tx
+					.select()
+					.from(balances)
+					.where(eq(balances.userId, userId))
+					.for('update')
+					.limit(1);
+
+				if (balance) {
+					await tx
+						.update(balances)
+						.set({
+							balance: balance.balance + refundAmount,
+							totalEarned: balance.totalEarned + refundAmount,
+							version: balance.version + 1,
+							updatedAt: new Date(),
+						})
+						.where(eq(balances.userId, userId));
+
+					await tx.insert(transactions).values({
+						userId,
+						type: 'refund',
+						status: 'completed',
+						amount: refundAmount,
+						balanceBefore: balance.balance,
+						balanceAfter: balance.balance + refundAmount,
+						appId: 'gifts',
+						description: `Gift cancelled, ${refundAmount} credits refunded`,
+						completedAt: new Date(),
+					});
+				}
+			}
+
+			await tx
+				.update(giftCodes)
+				.set({ status: 'cancelled', updatedAt: new Date() })
+				.where(eq(giftCodes.id, giftId));
+
+			return { success: true, refundedCredits: refundAmount };
+		});
+	}
+
+	/** Auto-redeem pending gifts for a newly registered user */
+	async redeemPendingForUser(userId: string, email: string) {
+		const pendingGifts = await this.db
+			.select()
+			.from(giftCodes)
+			.where(
+				and(
+					eq(giftCodes.targetEmail, email),
+					eq(giftCodes.status, 'active'),
+					eq(giftCodes.type, 'personalized')
+				)
+			);
+
+		let totalRedeemed = 0;
+		for (const gift of pendingGifts) {
+			try {
+				const result = await this.redeemGift(gift.code, userId, undefined, 'auto-registration');
+				totalRedeemed += result.creditsReceived;
+			} catch {
+				// Skip failed redemptions
+			}
+		}
+		return { redeemed: pendingGifts.length, totalCredits: totalRedeemed };
+	}
+}
diff --git a/services/mana-credits/src/services/guild-pool.ts b/services/mana-credits/src/services/guild-pool.ts
new file mode 100644
index 000000000..71955e5a7
--- /dev/null
+++ b/services/mana-credits/src/services/guild-pool.ts
@@ -0,0 +1,316 @@
+/**
+ * Guild Pool Service — Shared organization credit pools
+ *
+ * Ported from mana-core-auth GuildPoolService.
+ * Membership checks via HTTP call to mana-core-auth (separate DB).
+ */
+
+import { eq, and, desc, gte, sql } from 'drizzle-orm';
+import { guildPools, guildTransactions, guildSpendingLimits } from '../db/schema/guilds';
+import type { Database } from '../db/connection';
+import {
+	BadRequestError,
+	NotFoundError,
+	ForbiddenError,
+	InsufficientCreditsError,
+} from '../lib/errors';
+
+interface UseGuildCreditsParams {
+	amount: number;
+	appId: string;
+	description: string;
+	idempotencyKey?: string;
+	metadata?: Record<string, unknown>;
+}
+
+export class GuildPoolService {
+	constructor(
+		private db: Database,
+		private authUrl: string,
+		private serviceKey: string
+	) {}
+
+	/** Verify guild membership via mana-core-auth internal API */
+	private async verifyMembership(
+		guildId: string,
+		userId: string
+	): Promise<{ isMember: boolean; role: string }> {
+		try {
+			const res = await fetch(`${this.authUrl}/api/v1/internal/org/${guildId}/member/${userId}`, {
+				headers: { 'X-Service-Key': this.serviceKey },
+			});
+			if (!res.ok) return { isMember: false, role: '' };
+			return await res.json();
+		} catch {
+			return { isMember: false, role: '' };
+		}
+	}
+
+	async initializePool(organizationId: string) {
+		const [existing] = await this.db
+			.select()
+			.from(guildPools)
+			.where(eq(guildPools.organizationId, organizationId))
+			.limit(1);
+
+		if (existing) return existing;
+
+		const [pool] = await this.db
+			.insert(guildPools)
+			.values({ organizationId, balance: 0, totalFunded: 0, totalSpent: 0 })
+			.returning();
+
+		return pool;
+	}
+
+	async getBalance(guildId: string, userId: string) {
+		const membership = await this.verifyMembership(guildId, userId);
+		if (!membership.isMember) throw new ForbiddenError('Not a guild member');
+
+		const [pool] = await this.db
+			.select()
+			.from(guildPools)
+			.where(eq(guildPools.organizationId, guildId))
+			.limit(1);
+
+		if (!pool) throw new NotFoundError('Guild pool not found');
+
+		return { balance: pool.balance, totalFunded: pool.totalFunded, totalSpent: pool.totalSpent };
+	}
+
+	async useGuildCredits(guildId: string, userId: string, params: UseGuildCreditsParams) {
+		const membership = await this.verifyMembership(guildId, userId);
+		if (!membership.isMember) throw new ForbiddenError('Not a guild member');
+
+		// Check spending limits
+		await this.checkSpendingLimits(guildId, userId, params.amount);
+
+		// Idempotency
+		if (params.idempotencyKey) {
+			const [existing] = await this.db
+				.select()
+				.from(guildTransactions)
+				.where(eq(guildTransactions.idempotencyKey, params.idempotencyKey))
+				.limit(1);
+			if (existing) return { success: true, transaction: existing };
+		}
+
+		return await this.db.transaction(async (tx) => {
+			const [pool] = await tx
+				.select()
+				.from(guildPools)
+				.where(eq(guildPools.organizationId, guildId))
+				.for('update')
+				.limit(1);
+
+			if (!pool) throw new NotFoundError('Guild pool not found');
+			if (pool.balance < params.amount) {
+				throw new InsufficientCreditsError(params.amount, pool.balance);
+			}
+
+			const newBalance = pool.balance - params.amount;
+
+			await tx
+				.update(guildPools)
+				.set({
+					balance: newBalance,
+					totalSpent: pool.totalSpent + params.amount,
+					version: pool.version + 1,
+					updatedAt: new Date(),
+				})
+				.where(and(eq(guildPools.organizationId, guildId), eq(guildPools.version, pool.version)));
+
+			const [transaction] = await tx
+				.insert(guildTransactions)
+				.values({
+					organizationId: guildId,
+					userId,
+					type: 'usage',
+					amount: -params.amount,
+					balanceBefore: pool.balance,
+					balanceAfter: newBalance,
+					appId: params.appId,
+					description: params.description,
+					metadata: params.metadata,
+					idempotencyKey: params.idempotencyKey,
+					completedAt: new Date(),
+				})
+				.returning();
+
+			return { success: true, transaction, newBalance: { balance: newBalance } };
+		});
+	}
+
+	async fundPool(guildId: string, funderId: string, amount: number, idempotencyKey?: string) {
+		const membership = await this.verifyMembership(guildId, funderId);
+		if (!membership.isMember || !['owner', 'admin'].includes(membership.role)) {
+			throw new ForbiddenError('Only owners and admins can fund the pool');
+		}
+
+		return await this.db.transaction(async (tx) => {
+			const [pool] = await tx
+				.select()
+				.from(guildPools)
+				.where(eq(guildPools.organizationId, guildId))
+				.for('update')
+				.limit(1);
+
+			if (!pool) throw new NotFoundError('Guild pool not found');
+
+			const newBalance = pool.balance + amount;
+
+			await tx
+				.update(guildPools)
+				.set({
+					balance: newBalance,
+					totalFunded: pool.totalFunded + amount,
+					version: pool.version + 1,
+					updatedAt: new Date(),
+				})
+				.where(eq(guildPools.organizationId, guildId));
+
+			const [transaction] = await tx
+				.insert(guildTransactions)
+				.values({
+					organizationId: guildId,
+					userId: funderId,
+					type: 'funding',
+					amount,
+					balanceBefore: pool.balance,
+					balanceAfter: newBalance,
+					description: `Pool funded with ${amount} credits`,
+					idempotencyKey,
+					completedAt: new Date(),
+				})
+				.returning();
+
+			return { success: true, transaction, newBalance: { balance: newBalance } };
+		});
+	}
+
+	async getTransactions(guildId: string, userId: string, limit = 50, offset = 0) {
+		const membership = await this.verifyMembership(guildId, userId);
+		if (!membership.isMember) throw new ForbiddenError('Not a guild member');
+
+		return this.db
+			.select()
+			.from(guildTransactions)
+			.where(eq(guildTransactions.organizationId, guildId))
+			.orderBy(desc(guildTransactions.createdAt))
+			.limit(limit)
+			.offset(offset);
+	}
+
+	async getSpendingLimits(guildId: string, userId: string) {
+		const [limit] = await this.db
+			.select()
+			.from(guildSpendingLimits)
+			.where(
+				and(eq(guildSpendingLimits.organizationId, guildId), eq(guildSpendingLimits.userId, userId))
+			)
+			.limit(1);
+
+		return limit || { dailyLimit: null, monthlyLimit: null };
+	}
+
+	async setSpendingLimits(
+		guildId: string,
+		targetUserId: string,
+		setterId: string,
+		dailyLimit: number | null,
+		monthlyLimit: number | null
+	) {
+		const membership = await this.verifyMembership(guildId, setterId);
+		if (!membership.isMember || !['owner', 'admin'].includes(membership.role)) {
+			throw new ForbiddenError('Only owners and admins can set spending limits');
+		}
+
+		const [existing] = await this.db
+			.select()
+			.from(guildSpendingLimits)
+			.where(
+				and(
+					eq(guildSpendingLimits.organizationId, guildId),
+					eq(guildSpendingLimits.userId, targetUserId)
+				)
+			)
+			.limit(1);
+
+		if (existing) {
+			await this.db
+				.update(guildSpendingLimits)
+				.set({ dailyLimit, monthlyLimit, updatedAt: new Date() })
+				.where(eq(guildSpendingLimits.id, existing.id));
+		} else {
+			await this.db.insert(guildSpendingLimits).values({
+				organizationId: guildId,
+				userId: targetUserId,
+				dailyLimit,
+				monthlyLimit,
+			});
+		}
+
+		return { dailyLimit, monthlyLimit };
+	}
+
+	private async checkSpendingLimits(guildId: string, userId: string, amount: number) {
+		const [limit] = await this.db
+			.select()
+			.from(guildSpendingLimits)
+			.where(
+				and(eq(guildSpendingLimits.organizationId, guildId), eq(guildSpendingLimits.userId, userId))
+			)
+			.limit(1);
+
+		if (!limit) return; // No limits set
+
+		const now = new Date();
+
+		if (limit.dailyLimit !== null) {
+			const dayStart = new Date(now);
+			dayStart.setHours(0, 0, 0, 0);
+
+			const dailySpent = await this.db
+				.select({ total: sql<number>`COALESCE(SUM(ABS(${guildTransactions.amount})), 0)` })
+				.from(guildTransactions)
+				.where(
+					and(
+						eq(guildTransactions.organizationId, guildId),
+						eq(guildTransactions.userId, userId),
+						eq(guildTransactions.type, 'usage'),
+						gte(guildTransactions.createdAt, dayStart)
+					)
+				);
+
+			const spent = Number(dailySpent[0]?.total ?? 0);
+			if (spent + amount > limit.dailyLimit) {
+				throw new BadRequestError(
+					`Daily spending limit exceeded (${limit.dailyLimit} credits/day)`
+				);
+			}
+		}
+
+		if (limit.monthlyLimit !== null) {
+			const monthStart = new Date(now.getFullYear(), now.getMonth(), 1);
+
+			const monthlySpent = await this.db
+				.select({ total: sql<number>`COALESCE(SUM(ABS(${guildTransactions.amount})), 0)` })
+				.from(guildTransactions)
+				.where(
+					and(
+						eq(guildTransactions.organizationId, guildId),
+						eq(guildTransactions.userId, userId),
+						eq(guildTransactions.type, 'usage'),
+						gte(guildTransactions.createdAt, monthStart)
+					)
+				);
+
+			const spent = Number(monthlySpent[0]?.total ?? 0);
+			if (spent + amount > limit.monthlyLimit) {
+				throw new BadRequestError(
+					`Monthly spending limit exceeded (${limit.monthlyLimit} credits/month)`
+				);
+			}
+		}
+	}
+}
diff --git a/services/mana-credits/src/services/stripe.ts b/services/mana-credits/src/services/stripe.ts
new file mode 100644
index 000000000..f07d92304
--- /dev/null
+++ b/services/mana-credits/src/services/stripe.ts
@@ -0,0 +1,89 @@
+/**
+ * Stripe Service — Payment integration
+ *
+ * Handles customer management, payment intents, checkout sessions,
+ * and webhook signature verification.
+ */
+
+import Stripe from 'stripe';
+import { eq } from 'drizzle-orm';
+import { stripeCustomers } from '../db/schema/credits';
+import type { Database } from '../db/connection';
+
+export class StripeService {
+	private stripe: Stripe | null;
+
+	constructor(
+		private db: Database,
+		secretKey: string
+	) {
+		this.stripe = secretKey ? new Stripe(secretKey, { apiVersion: '2025-04-30.basil' }) : null;
+	}
+
+	private getStripe(): Stripe {
+		if (!this.stripe) throw new Error('Stripe not configured (missing STRIPE_SECRET_KEY)');
+		return this.stripe;
+	}
+
+	async getOrCreateCustomer(userId: string, email: string): Promise<string> {
+		// Check existing mapping
+		const [existing] = await this.db
+			.select()
+			.from(stripeCustomers)
+			.where(eq(stripeCustomers.userId, userId))
+			.limit(1);
+
+		if (existing) return existing.stripeCustomerId;
+
+		// Create new Stripe customer
+		const customer = await this.getStripe().customers.create({
+			email,
+			metadata: { userId },
+		});
+
+		await this.db.insert(stripeCustomers).values({
+			userId,
+			stripeCustomerId: customer.id,
+			email,
+		});
+
+		return customer.id;
+	}
+
+	async createPaymentIntent(
+		customerId: string,
+		amountCents: number,
+		metadata: Record<string, string>
+	) {
+		return this.getStripe().paymentIntents.create({
+			amount: amountCents,
+			currency: 'eur',
+			customer: customerId,
+			payment_method_types: ['card', 'sepa_debit'],
+			metadata,
+		});
+	}
+
+	async createCheckoutSession(params: {
+		customerId: string;
+		priceId: string;
+		quantity: number;
+		successUrl: string;
+		cancelUrl: string;
+		metadata: Record<string, string>;
+	}) {
+		return this.getStripe().checkout.sessions.create({
+			customer: params.customerId,
+			mode: 'payment',
+			line_items: [{ price: params.priceId, quantity: params.quantity }],
+			success_url: params.successUrl,
+			cancel_url: params.cancelUrl,
+			metadata: params.metadata,
+			expires_after: 86400, // 24 hours
+		});
+	}
+
+	verifyWebhookSignature(body: string | Buffer, signature: string, secret: string): Stripe.Event {
+		return this.getStripe().webhooks.constructEvent(body, signature, secret);
+	}
+}
diff --git a/services/mana-credits/tsconfig.json b/services/mana-credits/tsconfig.json
new file mode 100644
index 000000000..354a2c2dd
--- /dev/null
+++ b/services/mana-credits/tsconfig.json
@@ -0,0 +1,17 @@
+{
+	"compilerOptions": {
+		"target": "ESNext",
+		"module": "ESNext",
+		"moduleResolution": "bundler",
+		"strict": true,
+		"esModuleInterop": true,
+		"skipLibCheck": true,
+		"outDir": "dist",
+		"rootDir": "src",
+		"declaration": true,
+		"paths": {
+			"@/*": ["./src/*"]
+		}
+	},
+	"include": ["src/**/*.ts"]
+}