diff --git a/packages/shared-hono/package.json b/packages/shared-hono/package.json
index 4ad1d79fd..f5718bf05 100644
--- a/packages/shared-hono/package.json
+++ b/packages/shared-hono/package.json
@@ -12,7 +12,8 @@
 		"./db": "./src/db.ts",
 		"./health": "./src/health.ts",
 		"./admin": "./src/admin.ts",
-		"./error": "./src/error.ts"
+		"./error": "./src/error.ts",
+		"./credits": "./src/credits.ts"
 	},
 	"scripts": {
 		"type-check": "tsc --noEmit"
diff --git a/packages/shared-hono/src/credits.ts b/packages/shared-hono/src/credits.ts
new file mode 100644
index 000000000..be003ef25
--- /dev/null
+++ b/packages/shared-hono/src/credits.ts
@@ -0,0 +1,125 @@
+/**
+ * Credit client for Hono backends.
+ *
+ * Drop-in replacement for @mana-core/nestjs-integration CreditClientService.
+ * Calls mana-credits service to validate/consume/refund credits.
+ */
+
+export interface CreditBalance {
+	balance: number;
+	totalEarned: number;
+	totalSpent: number;
+}
+
+export interface CreditValidationResult {
+	hasCredits: boolean;
+	availableCredits: number;
+	requiredCredits?: number;
+}
+
+const CREDITS_URL = () =>
+	process.env.MANA_CREDITS_URL || process.env.MANA_CORE_AUTH_URL || 'http://localhost:3061';
+const SERVICE_KEY = () => process.env.MANA_CORE_SERVICE_KEY || '';
+const APP_ID = () => process.env.APP_ID || 'unknown';
+
+const DEFAULT_BALANCE: CreditBalance = { balance: 1000, totalEarned: 0, totalSpent: 0 };
+
+async function callCredits<T>(path: string, options: RequestInit = {}): Promise<T | null> {
+	const key = SERVICE_KEY();
+	if (!key) {
+		console.warn('[credits] Service key not configured');
+		return null;
+	}
+
+	try {
+		const res = await fetch(`${CREDITS_URL()}${path}`, {
+			...options,
+			headers: {
+				'Content-Type': 'application/json',
+				'X-Service-Key': key,
+				'X-App-Id': APP_ID(),
+				...options.headers,
+			},
+		});
+		if (!res.ok) return null;
+		return res.json();
+	} catch (error) {
+		console.error('[credits] Request failed:', error);
+		return null;
+	}
+}
+
+/**
+ * Get user's credit balance.
+ */
+export async function getBalance(userId: string): Promise<CreditBalance> {
+	const result = await callCredits<CreditBalance>(`/api/v1/internal/credits/balance/${userId}`);
+	return result || DEFAULT_BALANCE;
+}
+
+/**
+ * Validate that user has enough credits for an operation.
+ */
+export async function validateCredits(
+	userId: string,
+	operation: string,
+	amount: number
+): Promise<CreditValidationResult> {
+	try {
+		const balance = await getBalance(userId);
+		return {
+			hasCredits: balance.balance >= amount,
+			availableCredits: balance.balance,
+			requiredCredits: amount,
+		};
+	} catch {
+		return { hasCredits: true, availableCredits: 0, requiredCredits: amount };
+	}
+}
+
+/**
+ * Consume credits after a successful operation.
+ */
+export async function consumeCredits(
+	userId: string,
+	operation: string,
+	amount: number,
+	description: string,
+	metadata?: Record<string, unknown>,
+	creditSource?: { type: 'guild'; guildId: string }
+): Promise<boolean> {
+	const result = await callCredits('/api/v1/internal/credits/use', {
+		method: 'POST',
+		body: JSON.stringify({
+			userId,
+			amount,
+			appId: APP_ID(),
+			description,
+			metadata: { operation, ...metadata },
+			...(creditSource && { creditSource }),
+		}),
+	});
+	return !!result;
+}
+
+/**
+ * Refund credits after a failed operation.
+ */
+export async function refundCredits(
+	userId: string,
+	amount: number,
+	description: string,
+	metadata?: Record<string, unknown>
+): Promise<boolean> {
+	const result = await callCredits('/api/v1/internal/credits/refund', {
+		method: 'POST',
+		body: JSON.stringify({
+			userId,
+			amount,
+			appId: APP_ID(),
+			description,
+			metadata,
+		}),
+	});
+	return !!result;
+}
diff --git a/packages/shared-hono/src/index.ts b/packages/shared-hono/src/index.ts
index 23bddf98e..961f04e66 100644
--- a/packages/shared-hono/src/index.ts
+++ b/packages/shared-hono/src/index.ts
@@ -38,4 +38,6 @@ export type { DbOptions } from './db';
 export { healthRoute } from './health';
 export { adminRoutes } from './admin';
 export { errorHandler, notFoundHandler } from './error';
+export { getBalance, validateCredits, consumeCredits, refundCredits } from './credits';
+export type { CreditBalance, CreditValidationResult } from './credits';
 export type { CurrentUserData, AuthVariables } from './types';