diff --git a/apps/matrix/apps/web/src/lib/matrix/client.ts b/apps/matrix/apps/web/src/lib/matrix/client.ts
index 321e64d6a..d73c969c8 100644
--- a/apps/matrix/apps/web/src/lib/matrix/client.ts
+++ b/apps/matrix/apps/web/src/lib/matrix/client.ts
@@ -148,6 +148,58 @@ export async function checkHomeserver(
 	}
 }
 
+/**
+ * Login with a Matrix SSO login token (for SSO/OAuth callback)
+ * This exchanges the loginToken from SSO redirect for proper credentials
+ */
+export async function loginWithLoginToken(
+	homeserver: string,
+	loginToken: string
+): Promise<LoginResult> {
+	// Load polyfills first
+	await import('./polyfills');
+	const { createClient } = await import('matrix-js-sdk');
+
+	// Normalize homeserver URL
+	let baseUrl = homeserver.trim();
+	if (!baseUrl.startsWith('http://') && !baseUrl.startsWith('https://')) {
+		baseUrl = `https://${baseUrl}`;
+	}
+	// Remove trailing slash
+	baseUrl = baseUrl.replace(/\/$/, '');
+
+	const tempClient = createClient({ baseUrl });
+
+	try {
+		const response = await tempClient.login('m.login.token', {
+			token: loginToken,
+			initial_device_display_name: 'Manalink',
+		});
+
+		return {
+			success: true,
+			credentials: {
+				homeserver: baseUrl,
+				accessToken: response.access_token,
+				userId: response.user_id,
+				deviceId: response.device_id,
+			},
+		};
+	} catch (err) {
+		const message = err instanceof Error ? err.message : 'Login failed';
+
+		// Provide more helpful error messages
+		if (message.includes('M_UNKNOWN_TOKEN') || message.includes('M_FORBIDDEN')) {
+			return { success: false, error: 'Login token expired or invalid. Please try again.' };
+		}
+		if (message.includes('Failed to fetch') || message.includes('NetworkError')) {
+			return { success: false, error: 'Could not connect to homeserver' };
+		}
+
+		return { success: false, error: message };
+	}
+}
+
 /**
  * Register a new account (if registration is open)
  */
diff --git a/apps/matrix/apps/web/src/lib/matrix/index.ts b/apps/matrix/apps/web/src/lib/matrix/index.ts
index fc4e979d4..971c9cd11 100644
--- a/apps/matrix/apps/web/src/lib/matrix/index.ts
+++ b/apps/matrix/apps/web/src/lib/matrix/index.ts
@@ -3,6 +3,7 @@ export { matrixStore } from './store.svelte';
 export {
 	loginWithPassword,
 	loginWithToken,
+	loginWithLoginToken,
 	discoverHomeserver,
 	checkHomeserver,
 	register,
diff --git a/apps/matrix/apps/web/src/routes/(app)/+layout.svelte b/apps/matrix/apps/web/src/routes/(app)/+layout.svelte
index 8277829b1..1a030f209 100644
--- a/apps/matrix/apps/web/src/routes/(app)/+layout.svelte
+++ b/apps/matrix/apps/web/src/routes/(app)/+layout.svelte
@@ -1,5 +1,5 @@
 <script lang="ts">
-	import { matrixStore } from '$lib/matrix';
+	import { matrixStore, loginWithLoginToken } from '$lib/matrix';
 	import { goto } from '$app/navigation';
 	import { page } from '$app/stores';
 	import { onMount, onDestroy } from 'svelte';
@@ -143,7 +143,45 @@
 			return;
 		}
 
-		// Try to initialize Matrix
+		// Check for SSO loginToken in URL (Matrix SSO callback)
+		const urlParams = new URLSearchParams(window.location.search);
+		const loginToken = urlParams.get('loginToken');
+
+		if (loginToken) {
+			console.log('Found loginToken in URL, exchanging for credentials...');
+
+			// Exchange loginToken for Matrix credentials
+			const result = await loginWithLoginToken('matrix.mana.how', loginToken);
+
+			if (result.success && result.credentials) {
+				console.log('SSO login successful, initializing Matrix client...');
+
+				// Remove loginToken from URL to prevent re-processing on refresh
+				const cleanUrl = window.location.pathname;
+				window.history.replaceState({}, '', cleanUrl);
+
+				// Initialize with the new credentials
+				const initialized = await matrixStore.initialize(result.credentials);
+
+				if (!initialized) {
+					initError = matrixStore.error || 'Failed to initialize Matrix client';
+				}
+
+				loading = false;
+				return;
+			} else {
+				// SSO token exchange failed
+				initError = result.error || 'SSO login failed';
+				loading = false;
+
+				// Clear the URL and redirect to login
+				window.history.replaceState({}, '', '/login');
+				goto('/login');
+				return;
+			}
+		}
+
+		// Try to initialize Matrix with stored credentials
 		const success = await matrixStore.initialize();
 
 		if (!success) {
diff --git a/packages/bot-services/package.json b/packages/bot-services/package.json
index 1f43aa8a2..0caac5f04 100644
--- a/packages/bot-services/package.json
+++ b/packages/bot-services/package.json
@@ -34,6 +34,10 @@
 			"types": "./dist/transcription/index.d.ts",
 			"default": "./dist/transcription/index.js"
 		},
+		"./credit": {
+			"types": "./dist/credit/index.d.ts",
+			"default": "./dist/credit/index.js"
+		},
 		"./nutrition": {
 			"types": "./dist/nutrition/index.d.ts",
 			"default": "./dist/nutrition/index.js"
diff --git a/packages/bot-services/src/credit/credit.module.ts b/packages/bot-services/src/credit/credit.module.ts
new file mode 100644
index 000000000..999933ba5
--- /dev/null
+++ b/packages/bot-services/src/credit/credit.module.ts
@@ -0,0 +1,61 @@
+import { Module, DynamicModule, Global } from '@nestjs/common';
+import { ConfigModule } from '@nestjs/config';
+import { CreditService } from './credit.service';
+import { CreditModuleOptions, CREDIT_MODULE_OPTIONS } from './types';
+
+/**
+ * Shared credit management module for Matrix bots
+ *
+ * Provides CreditService for querying credit balances and formatting
+ * credit-related messages for Matrix chat display.
+ *
+ * @example
+ * ```typescript
+ * // With explicit configuration
+ * @Module({
+ *   imports: [
+ *     CreditModule.register({
+ *       authUrl: 'http://mana-core-auth:3001',
+ *     })
+ *   ]
+ * })
+ *
+ * // With ConfigService (reads from auth.url or MANA_CORE_AUTH_URL)
+ * @Module({
+ *   imports: [CreditModule.forRoot()]
+ * })
+ * ```
+ */
+@Global()
+@Module({})
+export class CreditModule {
+	/**
+	 * Register module with explicit options
+	 */
+	static register(options: CreditModuleOptions = {}): DynamicModule {
+		return {
+			module: CreditModule,
+			imports: [ConfigModule],
+			providers: [
+				{
+					provide: CREDIT_MODULE_OPTIONS,
+					useValue: options,
+				},
+				CreditService,
+			],
+			exports: [CreditService],
+		};
+	}
+
+	/**
+	 * Register module with ConfigService (reads MANA_CORE_AUTH_URL from config)
+	 */
+	static forRoot(): DynamicModule {
+		return {
+			module: CreditModule,
+			imports: [ConfigModule],
+			providers: [CreditService],
+			exports: [CreditService],
+		};
+	}
+}
diff --git a/packages/bot-services/src/credit/credit.service.ts b/packages/bot-services/src/credit/credit.service.ts
new file mode 100644
index 000000000..785ea575b
--- /dev/null
+++ b/packages/bot-services/src/credit/credit.service.ts
@@ -0,0 +1,316 @@
+import { Injectable, Inject, Logger, Optional } from '@nestjs/common';
+import { ConfigService } from '@nestjs/config';
+import {
+	CreditBalance,
+	CreditValidationResult,
+	CreditConsumeResult,
+	CreditModuleOptions,
+	CreditStatusMessage,
+	CreditErrorCode,
+	CREDIT_MODULE_OPTIONS,
+} from './types';
+
+/**
+ * Shared credit management service for Matrix bots
+ *
+ * Provides credit balance queries, validation, and formatted messages
+ * for displaying credit information in Matrix chat.
+ *
+ * @example
+ * ```typescript
+ * // In NestJS module
+ * imports: [CreditModule.register({ authUrl: 'http://mana-core-auth:3001' })]
+ *
+ * // In service/controller
+ * const balance = await creditService.getBalance(token);
+ * const statusMsg = creditService.formatStatusMessage(balance);
+ * ```
+ */
+@Injectable()
+export class CreditService {
+	private readonly logger = new Logger(CreditService.name);
+	private readonly authUrl: string;
+	private readonly serviceKey?: string;
+	private readonly appId?: string;
+
+	constructor(
+		@Optional() private configService: ConfigService,
+		@Optional() @Inject(CREDIT_MODULE_OPTIONS) private options?: CreditModuleOptions
+	) {
+		// Priority: module options > config > environment > default
+		this.authUrl =
+			options?.authUrl ||
+			this.configService?.get<string>('auth.url') ||
+			this.configService?.get<string>('MANA_CORE_AUTH_URL') ||
+			'http://localhost:3001';
+
+		this.serviceKey =
+			options?.serviceKey || this.configService?.get<string>('MANA_CORE_SERVICE_KEY');
+
+		this.appId = options?.appId || this.configService?.get<string>('APP_ID');
+
+		this.logger.log(`Credit service initialized with auth URL: ${this.authUrl}`);
+	}
+
+	/**
+	 * Get credit balance for a user
+	 *
+	 * @param token - User's JWT token
+	 * @returns Credit balance information
+	 */
+	async getBalance(token: string): Promise<CreditBalance> {
+		try {
+			const response = await fetch(`${this.authUrl}/api/v1/credits/balance`, {
+				method: 'GET',
+				headers: {
+					Authorization: `Bearer ${token}`,
+					'Content-Type': 'application/json',
+				},
+			});
+
+			if (!response.ok) {
+				this.logger.warn(`Failed to get credit balance: ${response.status}`);
+				return { balance: 0, hasCredits: false };
+			}
+
+			const data = (await response.json()) as { balance?: number; tier?: string };
+			const balance = data.balance ?? 0;
+
+			return {
+				balance,
+				hasCredits: balance > 0,
+				tier: data.tier,
+			};
+		} catch (error) {
+			this.logger.error('Error getting credit balance:', error);
+			return { balance: 0, hasCredits: false };
+		}
+	}
+
+	/**
+	 * Validate if user has enough credits for an operation
+	 *
+	 * @param token - User's JWT token
+	 * @param requiredCredits - Credits required for the operation
+	 * @returns Validation result
+	 */
+	async validateCredits(token: string, requiredCredits: number): Promise<CreditValidationResult> {
+		const balance = await this.getBalance(token);
+
+		return {
+			hasCredits: balance.balance >= requiredCredits,
+			availableCredits: balance.balance,
+			requiredCredits,
+			error:
+				balance.balance < requiredCredits
+					? `Nicht genug Credits. Benötigt: ${requiredCredits}, Vorhanden: ${balance.balance.toFixed(2)}`
+					: undefined,
+		};
+	}
+
+	/**
+	 * Format credit balance as a status message for Matrix
+	 *
+	 * @param balance - Credit balance or number
+	 * @returns Formatted message with text and HTML versions
+	 */
+	formatBalanceMessage(balance: CreditBalance | number): CreditStatusMessage {
+		const credits = typeof balance === 'number' ? balance : balance.balance;
+		const hasCredits = credits > 0;
+
+		const icon = hasCredits ? '⚡' : '⚠️';
+		const creditsFormatted = credits.toFixed(2);
+
+		const text = `${icon} Credits: ${creditsFormatted}`;
+		const html = `${icon} <b>Credits:</b> ${creditsFormatted}`;
+
+		return { text, html };
+	}
+
+	/**
+	 * Format a full status message with credit information
+	 *
+	 * @param email - User's email (logged in as)
+	 * @param balance - Credit balance
+	 * @param additionalInfo - Additional status info
+	 * @returns Formatted status message
+	 */
+	formatStatusMessage(
+		email: string,
+		balance: CreditBalance,
+		additionalInfo?: Record<string, string>
+	): CreditStatusMessage {
+		const lines: string[] = [];
+		const htmlLines: string[] = [];
+
+		// Header
+		lines.push('🤖 Bot Status');
+		htmlLines.push('<b>🤖 Bot Status</b>');
+
+		// User info
+		lines.push(`👤 User: ${email}`);
+		htmlLines.push(`👤 <b>User:</b> ${email}`);
+
+		// Credits
+		const creditIcon = balance.hasCredits ? '⚡' : '⚠️';
+		const creditsFormatted = balance.balance.toFixed(2);
+		lines.push(`${creditIcon} Credits: ${creditsFormatted}`);
+		htmlLines.push(`${creditIcon} <b>Credits:</b> ${creditsFormatted}`);
+
+		// Tier if available
+		if (balance.tier) {
+			lines.push(`📊 Tier: ${balance.tier}`);
+			htmlLines.push(`📊 <b>Tier:</b> ${balance.tier}`);
+		}
+
+		// Additional info
+		if (additionalInfo) {
+			for (const [key, value] of Object.entries(additionalInfo)) {
+				lines.push(`${key}: ${value}`);
+				htmlLines.push(`<b>${key}:</b> ${value}`);
+			}
+		}
+
+		// Low credits warning
+		if (balance.balance < 10 && balance.balance > 0) {
+			lines.push('');
+			lines.push('⚠️ Nur noch wenig Credits!');
+			lines.push('👉 Credits kaufen: https://mana.how/credits');
+			htmlLines.push('<br>');
+			htmlLines.push('⚠️ <b>Nur noch wenig Credits!</b>');
+			htmlLines.push('👉 <a href="https://mana.how/credits">Credits kaufen</a>');
+		}
+
+		// No credits warning
+		if (!balance.hasCredits) {
+			lines.push('');
+			lines.push('❌ Keine Credits mehr!');
+			lines.push('👉 Credits kaufen: https://mana.how/credits');
+			htmlLines.push('<br>');
+			htmlLines.push('❌ <b>Keine Credits mehr!</b>');
+			htmlLines.push('👉 <a href="https://mana.how/credits">Credits kaufen</a>');
+		}
+
+		return {
+			text: lines.join('\n'),
+			html: htmlLines.join('<br>'),
+		};
+	}
+
+	/**
+	 * Format an error message for insufficient credits
+	 *
+	 * @param required - Required credits
+	 * @param available - Available credits
+	 * @param operation - Operation name (optional)
+	 * @returns Formatted error message
+	 */
+	formatInsufficientCreditsError(
+		required: number,
+		available: number,
+		operation?: string
+	): CreditStatusMessage {
+		const lines: string[] = [];
+		const htmlLines: string[] = [];
+
+		lines.push('❌ Nicht genug Credits');
+		htmlLines.push('❌ <b>Nicht genug Credits</b>');
+
+		if (operation) {
+			lines.push(`Operation: ${operation}`);
+			htmlLines.push(`<b>Operation:</b> ${operation}`);
+		}
+
+		lines.push(`Benötigt: ${required.toFixed(2)} Credits`);
+		lines.push(`Vorhanden: ${available.toFixed(2)} Credits`);
+		htmlLines.push(`<b>Benötigt:</b> ${required.toFixed(2)} Credits`);
+		htmlLines.push(`<b>Vorhanden:</b> ${available.toFixed(2)} Credits`);
+
+		lines.push('');
+		lines.push('👉 Credits kaufen: https://mana.how/credits');
+		htmlLines.push('<br>');
+		htmlLines.push('👉 <a href="https://mana.how/credits">Credits kaufen</a>');
+
+		return {
+			text: lines.join('\n'),
+			html: htmlLines.join('<br>'),
+		};
+	}
+
+	/**
+	 * Format a success message after credit consumption
+	 *
+	 * @param consumed - Credits consumed
+	 * @param remaining - Remaining credits
+	 * @param operation - Operation description (optional)
+	 * @returns Formatted success message
+	 */
+	formatCreditConsumedMessage(
+		consumed: number,
+		remaining: number,
+		operation?: string
+	): CreditStatusMessage {
+		const text = operation
+			? `✅ ${operation}\n⚡ -${consumed.toFixed(2)} Credits (${remaining.toFixed(2)} verbleibend)`
+			: `⚡ -${consumed.toFixed(2)} Credits (${remaining.toFixed(2)} verbleibend)`;
+
+		const html = operation
+			? `✅ ${operation}<br>⚡ -${consumed.toFixed(2)} Credits (${remaining.toFixed(2)} verbleibend)`
+			: `⚡ -${consumed.toFixed(2)} Credits (${remaining.toFixed(2)} verbleibend)`;
+
+		return { text, html };
+	}
+
+	/**
+	 * Get error code from HTTP status
+	 *
+	 * @param status - HTTP status code
+	 * @returns Credit error code
+	 */
+	getErrorCodeFromStatus(status: number): CreditErrorCode {
+		switch (status) {
+			case 401:
+				return CreditErrorCode.NOT_LOGGED_IN;
+			case 402:
+				return CreditErrorCode.INSUFFICIENT_CREDITS;
+			case 400:
+				return CreditErrorCode.INVALID_OPERATION;
+			default:
+				return CreditErrorCode.SERVICE_UNAVAILABLE;
+		}
+	}
+
+	/**
+	 * Format a generic credit error message
+	 *
+	 * @param errorCode - Credit error code
+	 * @returns Formatted error message
+	 */
+	formatErrorMessage(errorCode: CreditErrorCode): CreditStatusMessage {
+		let text: string;
+		let html: string;
+
+		switch (errorCode) {
+			case CreditErrorCode.INSUFFICIENT_CREDITS:
+				text = '❌ Nicht genug Credits\n👉 Credits kaufen: https://mana.how/credits';
+				html =
+					'❌ <b>Nicht genug Credits</b><br>👉 <a href="https://mana.how/credits">Credits kaufen</a>';
+				break;
+			case CreditErrorCode.NOT_LOGGED_IN:
+				text = '❌ Bitte zuerst einloggen: !login email passwort';
+				html = '❌ <b>Bitte zuerst einloggen:</b> <code>!login email passwort</code>';
+				break;
+			case CreditErrorCode.INVALID_OPERATION:
+				text = '❌ Ungültige Operation';
+				html = '❌ <b>Ungültige Operation</b>';
+				break;
+			case CreditErrorCode.SERVICE_UNAVAILABLE:
+			default:
+				text = '❌ Service temporär nicht verfügbar. Bitte später erneut versuchen.';
+				html = '❌ <b>Service temporär nicht verfügbar.</b> Bitte später erneut versuchen.';
+				break;
+		}
+
+		return { text, html };
+	}
+}
diff --git a/packages/bot-services/src/credit/index.ts b/packages/bot-services/src/credit/index.ts
new file mode 100644
index 000000000..6d046dffc
--- /dev/null
+++ b/packages/bot-services/src/credit/index.ts
@@ -0,0 +1,10 @@
+export { CreditService } from './credit.service';
+export { CreditModule } from './credit.module';
+export type {
+	CreditBalance,
+	CreditValidationResult,
+	CreditConsumeResult,
+	CreditModuleOptions,
+	CreditStatusMessage,
+} from './types';
+export { CREDIT_MODULE_OPTIONS, CreditErrorCode } from './types';
diff --git a/packages/bot-services/src/credit/types.ts b/packages/bot-services/src/credit/types.ts
new file mode 100644
index 000000000..8962d3ca0
--- /dev/null
+++ b/packages/bot-services/src/credit/types.ts
@@ -0,0 +1,75 @@
+/**
+ * Types for credit management in Matrix bots
+ */
+
+/**
+ * User credit balance information
+ */
+export interface CreditBalance {
+	/** Current credit balance */
+	balance: number;
+	/** Whether user has enough credits for basic operations */
+	hasCredits: boolean;
+	/** User's tier (if applicable) */
+	tier?: string;
+}
+
+/**
+ * Result of a credit validation check
+ */
+export interface CreditValidationResult {
+	/** Whether user has enough credits */
+	hasCredits: boolean;
+	/** Available credits */
+	availableCredits: number;
+	/** Required credits for the operation */
+	requiredCredits: number;
+	/** Error message if not enough credits */
+	error?: string;
+}
+
+/**
+ * Result of a credit consumption operation
+ */
+export interface CreditConsumeResult {
+	/** Whether credits were successfully consumed */
+	success: boolean;
+	/** New balance after consumption */
+	newBalance?: number;
+	/** Error message if failed */
+	error?: string;
+}
+
+/**
+ * Credit module configuration options
+ */
+export interface CreditModuleOptions {
+	/** Mana Core Auth URL */
+	authUrl?: string;
+	/** Service key for credit operations */
+	serviceKey?: string;
+	/** App ID for credit operations */
+	appId?: string;
+}
+
+export const CREDIT_MODULE_OPTIONS = 'CREDIT_MODULE_OPTIONS';
+
+/**
+ * Credit error codes for structured error handling
+ */
+export enum CreditErrorCode {
+	INSUFFICIENT_CREDITS = 'INSUFFICIENT_CREDITS',
+	NOT_LOGGED_IN = 'NOT_LOGGED_IN',
+	SERVICE_UNAVAILABLE = 'SERVICE_UNAVAILABLE',
+	INVALID_OPERATION = 'INVALID_OPERATION',
+}
+
+/**
+ * Formatted credit message for Matrix bots
+ */
+export interface CreditStatusMessage {
+	/** Plain text message */
+	text: string;
+	/** HTML formatted message (for Matrix) */
+	html: string;
+}
diff --git a/packages/bot-services/src/index.ts b/packages/bot-services/src/index.ts
index 285347752..2e448db1f 100644
--- a/packages/bot-services/src/index.ts
+++ b/packages/bot-services/src/index.ts
@@ -101,6 +101,16 @@ export type {
 	TranscriptionModuleOptions,
 } from './transcription/index.js';
 
+// Credit (Credit balance and formatting for Matrix bots)
+export { CreditModule, CreditService, CREDIT_MODULE_OPTIONS, CreditErrorCode } from './credit/index.js';
+export type {
+	CreditBalance,
+	CreditValidationResult,
+	CreditConsumeResult,
+	CreditModuleOptions,
+	CreditStatusMessage,
+} from './credit/index.js';
+
 // ===== Placeholder Services (to be implemented) =====
 
 export { NutritionModule } from './nutrition/index.js';
diff --git a/services/matrix-calendar-bot/src/bot/bot.module.ts b/services/matrix-calendar-bot/src/bot/bot.module.ts
index 894a8dc9e..cb54ee87d 100644
--- a/services/matrix-calendar-bot/src/bot/bot.module.ts
+++ b/services/matrix-calendar-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { CalendarModule } from '../calendar/calendar.module';
-import { TranscriptionModule } from '@manacore/bot-services';
+import { TranscriptionModule, SessionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -9,6 +9,8 @@ import { TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		SessionModule.forRoot(),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-calendar-bot/src/bot/matrix.service.ts b/services/matrix-calendar-bot/src/bot/matrix.service.ts
index 8405f5755..5ffcf28be 100644
--- a/services/matrix-calendar-bot/src/bot/matrix.service.ts
+++ b/services/matrix-calendar-bot/src/bot/matrix.service.ts
@@ -7,10 +7,12 @@ import {
 	KeywordCommandDetector,
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
-import { TranscriptionService } from '@manacore/bot-services';
+import { TranscriptionService, SessionService, CreditService } from '@manacore/bot-services';
 import { CalendarService, CalendarEvent } from '../calendar/calendar.service';
 import { HELP_TEXT, WELCOME_TEXT, BOT_INTRODUCTION } from '../config/configuration';
 
+const EVENT_CREATE_CREDITS = 0.02;
+
 @Injectable()
 export class MatrixService extends BaseMatrixService {
 	private readonly keywordDetector = new KeywordCommandDetector(
@@ -29,7 +31,9 @@ export class MatrixService extends BaseMatrixService {
 	constructor(
 		configService: ConfigService,
 		private readonly transcriptionService: TranscriptionService,
-		private calendarService: CalendarService
+		private calendarService: CalendarService,
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -157,6 +161,14 @@ export class MatrixService extends BaseMatrixService {
 				await this.handlePinHelp(roomId, event);
 				break;
 
+			case 'login':
+				await this.handleLogin(roomId, event, userId, args);
+				break;
+
+			case 'logout':
+				await this.handleLogout(roomId, event, userId);
+				break;
+
 			default:
 				// Unknown command - ignore silently
 				break;
@@ -237,6 +249,21 @@ export class MatrixService extends BaseMatrixService {
 			return;
 		}
 
+		// Validate credits if user is logged in
+		const token = this.sessionService.getToken(userId);
+		if (token) {
+			const validation = await this.creditService.validateCredits(token, EVENT_CREATE_CREDITS);
+			if (!validation.hasCredits) {
+				const errorMsg = this.creditService.formatInsufficientCreditsError(
+					EVENT_CREATE_CREDITS,
+					validation.availableCredits,
+					'Termin erstellen'
+				);
+				await this.sendReply(roomId, event, errorMsg.text);
+				return;
+			}
+		}
+
 		const { title, startTime, endTime, isAllDay } = this.calendarService.parseEventInput(input);
 
 		if (!startTime || !endTime) {
@@ -264,7 +291,15 @@ export class MatrixService extends BaseMatrixService {
 		);
 
 		const timeStr = this.calendarService.formatEventTime(calendarEvent);
-		await this.sendReply(roomId, event, `✅ Termin erstellt: **${title}**\n📆 ${timeStr}`);
+		let response = `✅ Termin erstellt: **${title}**\n📆 ${timeStr}`;
+
+		// Show credit deduction if logged in
+		if (token) {
+			const balance = await this.creditService.getBalance(token);
+			response += `\n⚡ -${EVENT_CREATE_CREDITS} Credits (${balance.balance.toFixed(2)} verbleibend)`;
+		}
+
+		await this.sendReply(roomId, event, response);
 	}
 
 	private async handleEventDetails(roomId: string, event: MatrixRoomEvent, userId: string, args: string) {
@@ -339,16 +374,71 @@ export class MatrixService extends BaseMatrixService {
 		const events = await this.calendarService.getUpcomingEvents(userId, 7);
 		const todayEvents = await this.calendarService.getTodayEvents(userId);
 
-		const response = `📊 **Status**
+		// Check login status and credits
+		const token = this.sessionService.getToken(userId);
+		const session = this.sessionService.getSession(userId);
 
-• Termine heute: ${todayEvents.length}
-• Termine nächste 7 Tage: ${events.length}
+		let response = `📊 **Status**\n\n`;
+		response += `• Termine heute: ${todayEvents.length}\n`;
+		response += `• Termine nächste 7 Tage: ${events.length}\n\n`;
 
-Bot: ✅ Online`;
+		if (token && session) {
+			const balance = await this.creditService.getBalance(token);
+			response += `👤 Angemeldet als: ${session.email}\n`;
+			response += `⚡ Credits: ${balance.balance.toFixed(2)}\n\n`;
+		} else {
+			response += `👤 Nicht angemeldet\n`;
+			response += `💡 Login: \`!login email passwort\`\n\n`;
+		}
+
+		response += `Bot: ✅ Online`;
 
 		await this.sendReply(roomId, event, response);
 	}
 
+	private async handleLogin(roomId: string, event: MatrixRoomEvent, userId: string, args: string) {
+		const parts = args.trim().split(/\s+/);
+		if (parts.length < 2) {
+			await this.sendReply(
+				roomId,
+				event,
+				'❌ Bitte gib Email und Passwort an.\n\nBeispiel: `!login email@example.com passwort`'
+			);
+			return;
+		}
+
+		const [email, password] = parts;
+		const result = await this.sessionService.login(userId, email, password);
+
+		if (!result.success) {
+			await this.sendReply(roomId, event, `❌ Login fehlgeschlagen: ${result.error}`);
+			return;
+		}
+
+		const token = this.sessionService.getToken(userId);
+		if (token) {
+			const balance = await this.creditService.getBalance(token);
+			await this.sendReply(
+				roomId,
+				event,
+				`✅ Erfolgreich angemeldet als **${email}**\n⚡ Credits: ${balance.balance.toFixed(2)}`
+			);
+		} else {
+			await this.sendReply(roomId, event, `✅ Erfolgreich angemeldet als **${email}**`);
+		}
+	}
+
+	private async handleLogout(roomId: string, event: MatrixRoomEvent, userId: string) {
+		const session = this.sessionService.getSession(userId);
+		if (!session) {
+			await this.sendReply(roomId, event, '❌ Du bist nicht angemeldet.');
+			return;
+		}
+
+		this.sessionService.logout(userId);
+		await this.sendReply(roomId, event, '✅ Erfolgreich abgemeldet.');
+	}
+
 	private async handlePinHelp(roomId: string, event: MatrixRoomEvent) {
 		try {
 			// Send help message
diff --git a/services/matrix-chat-bot/src/bot/bot.module.ts b/services/matrix-chat-bot/src/bot/bot.module.ts
index c421a70e5..25abb97c1 100644
--- a/services/matrix-chat-bot/src/bot/bot.module.ts
+++ b/services/matrix-chat-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { ChatModule } from '../chat/chat.module';
-import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
+import { SessionModule, TranscriptionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -10,6 +10,7 @@ import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-chat-bot/src/bot/matrix.service.ts b/services/matrix-chat-bot/src/bot/matrix.service.ts
index 5e475689c..3eed85bf8 100644
--- a/services/matrix-chat-bot/src/bot/matrix.service.ts
+++ b/services/matrix-chat-bot/src/bot/matrix.service.ts
@@ -8,7 +8,7 @@ import {
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
 import { ChatService, Conversation } from '../chat/chat.service';
-import { SessionService, TranscriptionService } from '@manacore/bot-services';
+import { SessionService, TranscriptionService, CreditService, CreditErrorCode } from '@manacore/bot-services';
 import { HELP_MESSAGE, BRANCH_ICONS } from '../config/configuration';
 
 @Injectable()
@@ -27,7 +27,8 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private readonly transcriptionService: TranscriptionService,
 		private chatService: ChatService,
-		private sessionService: SessionService
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -136,7 +137,7 @@ export class MatrixService extends BaseMatrixService {
 				break;
 
 			case 'status':
-				response = this.handleStatus(sender);
+				response = await this.handleStatus(sender);
 				break;
 
 			case 'chat':
@@ -248,21 +249,38 @@ export class MatrixService extends BaseMatrixService {
 		return 'Erfolgreich abgemeldet.';
 	}
 
-	private handleStatus(sender: string): string {
+	private async handleStatus(sender: string): Promise<string> {
 		const isLoggedIn = this.sessionService.isLoggedIn(sender);
+		const email = this.sessionService.getEmail(sender);
+		const token = this.sessionService.getToken(sender);
 		const currentConv = this.getCurrentConversation(sender);
 		const selectedModel = this.getSelectedModel(sender);
 
-		let status = `**Bot Status**\n`;
-		status += `- Angemeldet: ${isLoggedIn ? 'Ja' : 'Nein'}\n`;
+		// Get credit balance if logged in
+		let creditBalance = { balance: 0, hasCredits: false };
+		if (token) {
+			creditBalance = await this.creditService.getBalance(token);
+		}
+
+		const additionalInfo: Record<string, string> = {};
 		if (currentConv) {
-			status += `- Aktuelles Gespraech: ${currentConv.substring(0, 8)}...\n`;
+			additionalInfo['🗨️ Gespraech'] = `${currentConv.substring(0, 8)}...`;
 		}
 		if (selectedModel) {
-			status += `- Gewaehltes Modell: ${selectedModel.substring(0, 8)}...\n`;
+			additionalInfo['🧠 Modell'] = `${selectedModel.substring(0, 8)}...`;
 		}
-		status += `- Aktive Sessions: ${this.sessionService.getSessionCount()}`;
-		return status;
+
+		if (!isLoggedIn) {
+			return `🤖 **Bot Status**\n\n❌ Nicht angemeldet.\n\nNutze \`!login email passwort\` zum Anmelden.`;
+		}
+
+		const statusMessage = this.creditService.formatStatusMessage(
+			email || 'Unbekannt',
+			creditBalance,
+			additionalInfo
+		);
+
+		return statusMessage.text;
 	}
 
 	// Quick chat (stateless)
@@ -292,6 +310,16 @@ export class MatrixService extends BaseMatrixService {
 		);
 
 		if (result.error) {
+			// Handle 402 Payment Required (insufficient credits)
+			if (result.statusCode === 402) {
+				const balance = await this.creditService.getBalance(token);
+				const errorMsg = this.creditService.formatInsufficientCreditsError(
+					2, // AI Chat costs ~2 credits
+					balance.balance,
+					'AI Chat'
+				);
+				return errorMsg.text;
+			}
 			return `Fehler: ${result.error}`;
 		}
 
@@ -465,6 +493,16 @@ Nutze \`!senden [nachricht]\` um zu chatten oder \`!verlauf\` fuer den Nachricht
 		// Get AI response
 		const completionResult = await this.chatService.createCompletion(token, messages, convResult.data!.modelId);
 		if (completionResult.error) {
+			// Handle 402 Payment Required (insufficient credits)
+			if (completionResult.statusCode === 402) {
+				const balance = await this.creditService.getBalance(token);
+				const errorMsg = this.creditService.formatInsufficientCreditsError(
+					2, // AI Chat costs ~2 credits
+					balance.balance,
+					'AI Chat'
+				);
+				return errorMsg.text;
+			}
 			return `Fehler bei AI-Antwort: ${completionResult.error}`;
 		}
 
diff --git a/services/matrix-chat-bot/src/chat/chat.service.ts b/services/matrix-chat-bot/src/chat/chat.service.ts
index 320eccba3..e8945ffdb 100644
--- a/services/matrix-chat-bot/src/chat/chat.service.ts
+++ b/services/matrix-chat-bot/src/chat/chat.service.ts
@@ -59,7 +59,7 @@ export class ChatService {
 		path: string,
 		token: string,
 		options: RequestInit = {}
-	): Promise<{ data?: T; error?: string }> {
+	): Promise<{ data?: T; error?: string; statusCode?: number }> {
 		try {
 			const response = await fetch(this.getUrl(path), {
 				...options,
@@ -72,7 +72,10 @@ export class ChatService {
 
 			if (!response.ok) {
 				const errorData = await response.json().catch(() => ({}));
-				return { error: errorData.message || `HTTP ${response.status}` };
+				return {
+					error: errorData.message || `HTTP ${response.status}`,
+					statusCode: response.status,
+				};
 			}
 
 			const data = await response.json();
@@ -118,7 +121,7 @@ export class ChatService {
 		messages: Array<{ role: 'system' | 'user' | 'assistant'; content: string }>,
 		modelId: string,
 		options?: { temperature?: number; maxTokens?: number }
-	): Promise<{ data?: ChatCompletionResponse; error?: string }> {
+	): Promise<{ data?: ChatCompletionResponse; error?: string; statusCode?: number }> {
 		return this.request<ChatCompletionResponse>('/chat/completions', token, {
 			method: 'POST',
 			body: JSON.stringify({
diff --git a/services/matrix-clock-bot/src/bot/bot.module.ts b/services/matrix-clock-bot/src/bot/bot.module.ts
index d5325eec7..0dda1fc31 100644
--- a/services/matrix-clock-bot/src/bot/bot.module.ts
+++ b/services/matrix-clock-bot/src/bot/bot.module.ts
@@ -1,10 +1,10 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { ClockModule } from '../clock/clock.module';
-import { TranscriptionModule } from '@manacore/bot-services';
+import { TranscriptionModule, SessionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
-	imports: [ClockModule, TranscriptionModule.forRoot()],
+	imports: [ClockModule, TranscriptionModule.forRoot(), SessionModule.forRoot(), CreditModule.forRoot()],
 	providers: [MatrixService],
 	exports: [MatrixService],
 })
diff --git a/services/matrix-clock-bot/src/bot/matrix.service.ts b/services/matrix-clock-bot/src/bot/matrix.service.ts
index a9dba9e23..d762911bf 100644
--- a/services/matrix-clock-bot/src/bot/matrix.service.ts
+++ b/services/matrix-clock-bot/src/bot/matrix.service.ts
@@ -8,7 +8,7 @@ import {
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
 import { ClockService } from '../clock/clock.service';
-import { TranscriptionService } from '@manacore/bot-services';
+import { TranscriptionService, SessionService, CreditService } from '@manacore/bot-services';
 import { HELP_TEXT, WELCOME_TEXT } from '../config/configuration';
 
 @Injectable()
@@ -28,7 +28,9 @@ export class MatrixService extends BaseMatrixService {
 	constructor(
 		configService: ConfigService,
 		private clockService: ClockService,
-		private transcriptionService: TranscriptionService
+		private transcriptionService: TranscriptionService,
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -156,6 +158,14 @@ export class MatrixService extends BaseMatrixService {
 				await this.sendReply(roomId, event, HELP_TEXT);
 				break;
 
+			case 'login':
+				await this.handleLogin(roomId, event, userId, args);
+				break;
+
+			case 'logout':
+				await this.handleLogout(roomId, event, userId);
+				break;
+
 			case 'timer':
 				await this.handleTimerCommand(roomId, event, userId, args);
 				break;
@@ -337,34 +347,76 @@ export class MatrixService extends BaseMatrixService {
 		}
 	}
 
-	private async handleStatusCommand(roomId: string, event: MatrixRoomEvent, userId: string) {
-		try {
-			const token = this.getToken(userId);
-			if (!token) {
-				await this.sendReply(roomId, event, 'Keine Authentifizierung.');
-				return;
-			}
-
-			const timer = await this.clockService.getRunningTimer(token);
-			if (!timer) {
-				await this.sendReply(roomId, event, 'Kein aktiver Timer.\n\nStarte einen mit `!timer 25m`');
-				return;
-			}
-
-			const remaining = this.clockService.formatDuration(timer.remainingSeconds);
-			const total = this.clockService.formatDuration(timer.durationSeconds);
-			const statusIcon = timer.status === 'running' ? '' : '';
-			const statusText = timer.status === 'running' ? 'Lauft' : 'Pausiert';
-
-			let response = `**${statusIcon} Timer ${statusText}**\n\n`;
-			response += `Verbleibend: ${remaining} / ${total}`;
-			if (timer.label) response += `\nLabel: ${timer.label}`;
-
-			await this.sendReply(roomId, event, response);
-		} catch (error) {
-			this.logger.error('Status failed:', error);
-			await this.sendReply(roomId, event, 'Fehler beim Abrufen des Status.');
+	private async handleLogin(roomId: string, event: MatrixRoomEvent, userId: string, args: string) {
+		const parts = args.split(' ');
+		if (parts.length < 2 || !parts[0] || !parts[1]) {
+			await this.sendReply(roomId, event, 'Verwendung: `!login email passwort`');
+			return;
 		}
+		const [email, password] = parts;
+		const result = await this.sessionService.login(userId, email, password);
+
+		if (result.success) {
+			const token = this.sessionService.getToken(userId);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendReply(roomId, event,
+					`✅ Erfolgreich angemeldet als **${email}**\n⚡ Credits: ${balance.balance.toFixed(2)}`);
+			} else {
+				await this.sendReply(roomId, event, `✅ Erfolgreich angemeldet als **${email}**`);
+			}
+		} else {
+			await this.sendReply(roomId, event, `❌ Anmeldung fehlgeschlagen: ${result.error}`);
+		}
+	}
+
+	private async handleLogout(roomId: string, event: MatrixRoomEvent, userId: string) {
+		this.sessionService.logout(userId);
+		await this.sendReply(roomId, event, '👋 Erfolgreich abgemeldet.');
+	}
+
+	private async handleStatusCommand(roomId: string, event: MatrixRoomEvent, userId: string) {
+		// Auth-Status zuerst
+		const loggedIn = this.sessionService.isLoggedIn(userId);
+		const session = this.sessionService.getSession(userId);
+		const token = this.sessionService.getToken(userId);
+
+		let response = '**🕐 Clock Bot Status**\n\n';
+
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			response += `👤 Angemeldet als: ${session.email}\n`;
+			response += `⚡ Credits: ${balance.balance.toFixed(2)}\n\n`;
+		} else {
+			response += `❌ Nicht angemeldet\n`;
+			response += `Nutze \`!login email passwort\` zum Anmelden.\n\n`;
+		}
+
+		// Timer-Status
+		try {
+			const timerToken = this.getToken(userId);
+			if (timerToken) {
+				const timer = await this.clockService.getRunningTimer(timerToken);
+				if (timer) {
+					const remaining = this.clockService.formatDuration(timer.remainingSeconds);
+					const total = this.clockService.formatDuration(timer.durationSeconds);
+					const statusIcon = timer.status === 'running' ? '▶️' : '⏸️';
+					const statusText = timer.status === 'running' ? 'Läuft' : 'Pausiert';
+					response += `**${statusIcon} Timer ${statusText}**\n`;
+					response += `Verbleibend: ${remaining} / ${total}`;
+					if (timer.label) response += `\nLabel: ${timer.label}`;
+				} else {
+					response += `Kein aktiver Timer.\n\nStarte einen mit \`!timer 25m\``;
+				}
+			} else {
+				response += `Timer-Status nicht verfügbar (nicht angemeldet).`;
+			}
+		} catch (error) {
+			this.logger.error('Timer status failed:', error);
+			response += `Timer-Status nicht verfügbar.`;
+		}
+
+		await this.sendReply(roomId, event, response);
 	}
 
 	private async handleTimersCommand(roomId: string, event: MatrixRoomEvent, userId: string) {
@@ -603,11 +655,15 @@ export class MatrixService extends BaseMatrixService {
 	}
 
 	private getToken(userId: string): string | null {
-		// First check if user has a stored token
+		// SessionService hat Priorität (Login via mana-core-auth)
+		const sessionToken = this.sessionService.getToken(userId);
+		if (sessionToken) return sessionToken;
+
+		// Fallback auf clockService Token
 		const storedToken = this.clockService.getUserToken(userId);
 		if (storedToken) return storedToken;
 
-		// Fall back to demo token for development
+		// Entwicklungs-Fallback
 		return this.demoToken || null;
 	}
 }
diff --git a/services/matrix-clock-bot/src/config/configuration.ts b/services/matrix-clock-bot/src/config/configuration.ts
index c14e0b19a..c1a692e60 100644
--- a/services/matrix-clock-bot/src/config/configuration.ts
+++ b/services/matrix-clock-bot/src/config/configuration.ts
@@ -16,12 +16,16 @@ export default () => ({
 
 export const HELP_TEXT = `**Clock Bot - Zeiterfassung per Chat**
 
+**Account:**
+- \`!login email passwort\` - Anmelden
+- \`!logout\` - Abmelden
+- \`!status\` - Account & Timer Status
+
 **Timer (Stoppuhr):**
 - \`!timer 25m\` oder \`!timer 1h30m\` - Timer erstellen & starten
 - \`!stop\` - Laufenden Timer pausieren
 - \`!resume\` - Pausierten Timer fortsetzen
 - \`!reset\` - Timer zurucksetzen
-- \`!status\` - Aktuellen Timer-Status anzeigen
 - \`!timers\` - Alle Timer anzeigen
 
 **Alarme (Wecker):**
diff --git a/services/matrix-contacts-bot/src/bot/bot.module.ts b/services/matrix-contacts-bot/src/bot/bot.module.ts
index 5d58d75b5..cb8f49692 100644
--- a/services/matrix-contacts-bot/src/bot/bot.module.ts
+++ b/services/matrix-contacts-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { ContactsModule } from '../contacts/contacts.module';
-import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
+import { SessionModule, TranscriptionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -10,6 +10,7 @@ import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-contacts-bot/src/bot/matrix.service.ts b/services/matrix-contacts-bot/src/bot/matrix.service.ts
index 9298d543d..27d6cf098 100644
--- a/services/matrix-contacts-bot/src/bot/matrix.service.ts
+++ b/services/matrix-contacts-bot/src/bot/matrix.service.ts
@@ -9,9 +9,11 @@ import {
 	UserListMapper,
 } from '@manacore/matrix-bot-common';
 import { ContactsService, Contact } from '../contacts/contacts.service';
-import { SessionService, TranscriptionService } from '@manacore/bot-services';
+import { SessionService, TranscriptionService, CreditService } from '@manacore/bot-services';
 import { HELP_MESSAGE } from '../config/configuration';
 
+const CONTACT_CREATE_CREDITS = 0.02;
+
 // Natural language keyword detector
 const keywordDetector = new KeywordCommandDetector([
 	...COMMON_KEYWORDS,
@@ -29,7 +31,8 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private readonly transcriptionService: TranscriptionService,
 		private contactsService: ContactsService,
-		private sessionService: SessionService
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -414,6 +417,18 @@ Sag "hilfe" fur alle Befehle!`;
 			return;
 		}
 
+		// Validate credits
+		const validation = await this.creditService.validateCredits(token, CONTACT_CREATE_CREDITS);
+		if (!validation.hasCredits) {
+			const errorMsg = this.creditService.formatInsufficientCreditsError(
+				CONTACT_CREATE_CREDITS,
+				validation.availableCredits,
+				'Kontakt erstellen'
+			);
+			await this.sendReply(roomId, event, errorMsg.text);
+			return;
+		}
+
 		if (args.length < 1) {
 			await this.sendReply(
 				roomId,
@@ -433,10 +448,11 @@ Sag "hilfe" fur alle Befehle!`;
 			});
 
 			const name = contact.displayName || `${firstName} ${lastName || ''}`.trim();
+			const balance = await this.creditService.getBalance(token);
 			await this.sendReply(
 				roomId,
 				event,
-				`Kontakt **${name}** erstellt!\n\nNutze \`!kontakte\` um die Liste zu sehen oder \`!edit\` um weitere Daten hinzuzufugen.`
+				`Kontakt **${name}** erstellt!\n⚡ -${CONTACT_CREATE_CREDITS} Credits (${balance.balance.toFixed(2)} verbleibend)\n\nNutze \`!kontakte\` um die Liste zu sehen oder \`!edit\` um weitere Daten hinzuzufugen.`
 			);
 		} catch (error) {
 			const errorMsg = error instanceof Error ? error.message : 'Unbekannter Fehler';
@@ -693,13 +709,23 @@ Sag "hilfe" fur alle Befehle!`;
 		const result = await this.sessionService.login(sender, email, password);
 
 		if (result.success) {
-			await this.sendReply(
-				roomId,
-				event,
-				`Erfolgreich angemeldet!\n\nNutze \`!kontakte\` um deine Kontakte zu sehen.`
-			);
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendReply(
+					roomId,
+					event,
+					`✅ Erfolgreich angemeldet als **${email}**\n⚡ Credits: ${balance.balance.toFixed(2)}\n\nNutze \`!kontakte\` um deine Kontakte zu sehen.`
+				);
+			} else {
+				await this.sendReply(
+					roomId,
+					event,
+					`✅ Erfolgreich angemeldet!\n\nNutze \`!kontakte\` um deine Kontakte zu sehen.`
+				);
+			}
 		} else {
-			await this.sendReply(roomId, event, `Anmeldung fehlgeschlagen: ${result.error}`);
+			await this.sendReply(roomId, event, `❌ Anmeldung fehlgeschlagen: ${result.error}`);
 		}
 	}
 
@@ -707,14 +733,21 @@ Sag "hilfe" fur alle Befehle!`;
 		const backendHealthy = await this.contactsService.checkHealth();
 		const isLoggedIn = this.sessionService.isLoggedIn(sender);
 		const sessionCount = this.sessionService.getSessionCount();
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
 
-		const statusText = `**Contacts Bot Status**
+		let statusText = `**Contacts Bot Status**\n\n`;
+		statusText += `**Backend:** ${backendHealthy ? '✅ Online' : '❌ Offline'}\n`;
+		statusText += `**Aktive Sessions:** ${sessionCount}\n\n`;
 
-**Backend:** ${backendHealthy ? 'Online' : 'Offline'}
-**Dein Status:** ${isLoggedIn ? 'Angemeldet' : 'Nicht angemeldet'}
-**Aktive Sessions:** ${sessionCount}
-
-${!isLoggedIn ? 'Nutze `!login email passwort` um dich anzumelden.' : ''}`;
+		if (isLoggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			statusText += `👤 Angemeldet als: ${session.email}\n`;
+			statusText += `⚡ Credits: ${balance.balance.toFixed(2)}\n`;
+		} else {
+			statusText += `👤 Nicht angemeldet\n`;
+			statusText += `💡 Login: \`!login email passwort\``;
+		}
 
 		await this.sendReply(roomId, event, statusText);
 	}
diff --git a/services/matrix-mana-bot/src/bot/bot.module.ts b/services/matrix-mana-bot/src/bot/bot.module.ts
index 70e5769c3..2e261d140 100644
--- a/services/matrix-mana-bot/src/bot/bot.module.ts
+++ b/services/matrix-mana-bot/src/bot/bot.module.ts
@@ -4,9 +4,16 @@ import { CommandRouterService } from './command-router.service';
 import { HandlersModule } from '../handlers/handlers.module';
 import { OrchestrationModule } from '../orchestration/orchestration.module';
 import { VoiceModule } from '../voice/voice.module';
+import { SessionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
-	imports: [forwardRef(() => HandlersModule), forwardRef(() => OrchestrationModule), VoiceModule],
+	imports: [
+		forwardRef(() => HandlersModule),
+		forwardRef(() => OrchestrationModule),
+		VoiceModule,
+		SessionModule.forRoot(),
+		CreditModule.forRoot(),
+	],
 	providers: [MatrixService, CommandRouterService],
 	exports: [MatrixService, CommandRouterService],
 })
diff --git a/services/matrix-mana-bot/src/bot/command-router.service.ts b/services/matrix-mana-bot/src/bot/command-router.service.ts
index faa7b8fd2..d98539c0a 100644
--- a/services/matrix-mana-bot/src/bot/command-router.service.ts
+++ b/services/matrix-mana-bot/src/bot/command-router.service.ts
@@ -67,6 +67,18 @@ export class CommandRouterService {
 				description: 'Show help',
 			},
 
+			// Auth Commands
+			{
+				patterns: ['!login'],
+				handler: (ctx, args) => this.helpHandler.handleLogin(ctx, args),
+				description: 'Login with email and password',
+			},
+			{
+				patterns: ['!logout'],
+				handler: (ctx) => this.helpHandler.handleLogout(ctx),
+				description: 'Logout',
+			},
+
 			// AI Commands
 			{
 				patterns: ['!models', '!modelle'],
diff --git a/services/matrix-mana-bot/src/bot/matrix.service.ts b/services/matrix-mana-bot/src/bot/matrix.service.ts
index f4f6103e9..1bd6e953a 100644
--- a/services/matrix-mana-bot/src/bot/matrix.service.ts
+++ b/services/matrix-mana-bot/src/bot/matrix.service.ts
@@ -4,6 +4,7 @@ import { BaseMatrixService, MatrixBotConfig, MatrixRoomEvent } from '@manacore/m
 import { CommandRouterService, CommandContext } from './command-router.service';
 import { VoiceService, VoiceServiceError } from '../voice/voice.service';
 import { VoiceFormatterService } from '../voice/voice-formatter.service';
+import { SessionService, CreditService } from '@manacore/bot-services';
 import { HELP_TEXT, WELCOME_TEXT, BOT_INTRODUCTION } from '../config/configuration';
 
 @Injectable()
@@ -16,7 +17,9 @@ export class MatrixService extends BaseMatrixService {
 		private commandRouter: CommandRouterService,
 		@Inject(forwardRef(() => VoiceService))
 		private voiceService: VoiceService,
-		private voiceFormatter: VoiceFormatterService
+		private voiceFormatter: VoiceFormatterService,
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 		this.voiceEnabled = configService.get('voice.enabled') !== false;
diff --git a/services/matrix-mana-bot/src/config/configuration.ts b/services/matrix-mana-bot/src/config/configuration.ts
index 8d7dc4686..17d12db76 100644
--- a/services/matrix-mana-bot/src/config/configuration.ts
+++ b/services/matrix-mana-bot/src/config/configuration.ts
@@ -37,6 +37,11 @@ export default () => ({
 // Help text for the unified bot
 export const HELP_TEXT = `**🤖 Mana - Dein Assistent**
 
+**👤 Account**
+• \`!login email passwort\` - Anmelden
+• \`!logout\` - Abmelden
+• \`!status\` - Account & Bot Status
+
 **AI & Chat**
 Schreib einfach eine Nachricht - ich antworte!
 • \`!model [name]\` - KI-Modell wechseln
diff --git a/services/matrix-mana-bot/src/handlers/handlers.module.ts b/services/matrix-mana-bot/src/handlers/handlers.module.ts
index a643e4294..fa71f6dcc 100644
--- a/services/matrix-mana-bot/src/handlers/handlers.module.ts
+++ b/services/matrix-mana-bot/src/handlers/handlers.module.ts
@@ -7,9 +7,10 @@ import { HelpHandler } from './help.handler';
 import { VoiceHandler } from './voice.handler';
 import { BotModule } from '../bot/bot.module';
 import { VoiceModule } from '../voice/voice.module';
+import { SessionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
-	imports: [forwardRef(() => BotModule), VoiceModule],
+	imports: [forwardRef(() => BotModule), VoiceModule, SessionModule.forRoot(), CreditModule.forRoot()],
 	providers: [AiHandler, TodoHandler, CalendarHandler, ClockHandler, HelpHandler, VoiceHandler],
 	exports: [AiHandler, TodoHandler, CalendarHandler, ClockHandler, HelpHandler, VoiceHandler],
 })
diff --git a/services/matrix-mana-bot/src/handlers/help.handler.ts b/services/matrix-mana-bot/src/handlers/help.handler.ts
index c30920ec4..a98b2ad99 100644
--- a/services/matrix-mana-bot/src/handlers/help.handler.ts
+++ b/services/matrix-mana-bot/src/handlers/help.handler.ts
@@ -1,5 +1,5 @@
 import { Injectable } from '@nestjs/common';
-import { AiService, TodoService } from '@manacore/bot-services';
+import { AiService, TodoService, SessionService, CreditService } from '@manacore/bot-services';
 import { CommandContext } from '../bot/command-router.service';
 import { VoiceService } from '../voice/voice.service';
 import { HELP_TEXT } from '../config/configuration';
@@ -9,14 +9,61 @@ export class HelpHandler {
 	constructor(
 		private aiService: AiService,
 		private todoService: TodoService,
-		private voiceService: VoiceService
+		private voiceService: VoiceService,
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {}
 
 	async showHelp(ctx: CommandContext): Promise<string> {
 		return HELP_TEXT;
 	}
 
+	async handleLogin(ctx: CommandContext, args: string): Promise<string> {
+		const parts = args.split(' ');
+		if (parts.length < 2 || !parts[0] || !parts[1]) {
+			return 'Verwendung: `!login email passwort`';
+		}
+		const [email, password] = parts;
+		const result = await this.sessionService.login(ctx.userId, email, password);
+
+		if (result.success) {
+			const token = this.sessionService.getToken(ctx.userId);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				return `✅ Erfolgreich angemeldet als **${email}**\n⚡ Credits: ${balance.balance.toFixed(2)}`;
+			}
+			return `✅ Erfolgreich angemeldet als **${email}**`;
+		}
+		return `❌ Anmeldung fehlgeschlagen: ${result.error}`;
+	}
+
+	async handleLogout(ctx: CommandContext): Promise<string> {
+		this.sessionService.logout(ctx.userId);
+		return '👋 Erfolgreich abgemeldet.';
+	}
+
 	async showStatus(ctx: CommandContext): Promise<string> {
+		// Auth-Status zuerst
+		const loggedIn = this.sessionService.isLoggedIn(ctx.userId);
+		const session = this.sessionService.getSession(ctx.userId);
+		const token = this.sessionService.getToken(ctx.userId);
+
+		let authSection = '';
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			authSection = `**👤 Account**
+• Angemeldet als: ${session.email}
+• Credits: ⚡ ${balance.balance.toFixed(2)}
+
+`;
+		} else {
+			authSection = `**👤 Account**
+• Nicht angemeldet
+• Nutze \`!login email passwort\`
+
+`;
+		}
+
 		// Check services in parallel
 		const [aiConnected, todoStats, voiceHealth] = await Promise.all([
 			this.aiService.checkConnection(),
@@ -36,7 +83,7 @@ export class HelpHandler {
 
 		return `**📊 Status**
 
-**AI/Ollama**
+${authSection}**AI/Ollama**
 • Verbindung: ${aiStatus}
 • Modell: \`${currentModel}\`
 
diff --git a/services/matrix-manadeck-bot/src/bot/bot.module.ts b/services/matrix-manadeck-bot/src/bot/bot.module.ts
index 0ec361c64..49796e7e9 100644
--- a/services/matrix-manadeck-bot/src/bot/bot.module.ts
+++ b/services/matrix-manadeck-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { ManadeckModule } from '../manadeck/manadeck.module';
-import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
+import { SessionModule, TranscriptionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -10,6 +10,7 @@ import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-manadeck-bot/src/bot/matrix.service.ts b/services/matrix-manadeck-bot/src/bot/matrix.service.ts
index ce37b782c..939d27854 100644
--- a/services/matrix-manadeck-bot/src/bot/matrix.service.ts
+++ b/services/matrix-manadeck-bot/src/bot/matrix.service.ts
@@ -9,9 +9,12 @@ import {
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
 import { ManadeckService, Deck, Card } from '../manadeck/manadeck.service';
-import { SessionService, TranscriptionService } from '@manacore/bot-services';
+import { SessionService, TranscriptionService, CreditService } from '@manacore/bot-services';
 import { HELP_MESSAGE } from '../config/configuration';
 
+const DECK_CREATE_CREDITS = 0.1;
+const AI_DECK_GENERATE_CREDITS = 20;
+
 @Injectable()
 export class MatrixService extends BaseMatrixService {
 	// Store last shown decks/cards per user for reference by number
@@ -36,7 +39,8 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private readonly transcriptionService: TranscriptionService,
 		private manadeckService: ManadeckService,
-		private sessionService: SessionService
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -221,9 +225,15 @@ export class MatrixService extends BaseMatrixService {
 		const result = await this.sessionService.login(sender, email, password);
 
 		if (result.success) {
-			await this.sendHtml(roomId, `<p>Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendHtml(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong><br/>⚡ Credits: ${balance.balance.toFixed(2)}</p>`);
+			} else {
+				await this.sendHtml(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			}
 		} else {
-			await this.sendHtml(roomId, `<p>Login fehlgeschlagen: ${result.error}</p>`);
+			await this.sendHtml(roomId, `<p>❌ Login fehlgeschlagen: ${result.error}</p>`);
 		}
 	}
 
@@ -231,16 +241,24 @@ export class MatrixService extends BaseMatrixService {
 		const backendOk = await this.manadeckService.checkHealth();
 		const loggedIn = this.sessionService.isLoggedIn(sender);
 		const sessions = this.sessionService.getSessionCount();
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
 
-		await this.sendHtml(
-			roomId,
-			`<h3>ManaDeck Bot Status</h3>
-<ul>
-<li>Backend: ${backendOk ? 'Online' : 'Offline'}</li>
-<li>Angemeldet: ${loggedIn ? 'Ja' : 'Nein'}</li>
-<li>Aktive Sessions: ${sessions}</li>
-</ul>`
-		);
+		let statusHtml = `<h3>ManaDeck Bot Status</h3><ul>`;
+		statusHtml += `<li>Backend: ${backendOk ? '✅ Online' : '❌ Offline'}</li>`;
+		statusHtml += `<li>Aktive Sessions: ${sessions}</li>`;
+
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			statusHtml += `<li>👤 Angemeldet als: ${session.email}</li>`;
+			statusHtml += `<li>⚡ Credits: ${balance.balance.toFixed(2)}</li>`;
+		} else {
+			statusHtml += `<li>👤 Nicht angemeldet</li>`;
+			statusHtml += `<li>💡 Login: <code>!login email passwort</code></li>`;
+		}
+		statusHtml += `</ul>`;
+
+		await this.sendHtml(roomId, statusHtml);
 	}
 
 	// Deck handlers
diff --git a/services/matrix-nutriphi-bot/src/bot/bot.module.ts b/services/matrix-nutriphi-bot/src/bot/bot.module.ts
index 773ba3b1e..5bc03ce01 100644
--- a/services/matrix-nutriphi-bot/src/bot/bot.module.ts
+++ b/services/matrix-nutriphi-bot/src/bot/bot.module.ts
@@ -1,10 +1,10 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { NutriPhiModule } from '../nutriphi/nutriphi.module';
-import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
+import { SessionModule, TranscriptionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
-	imports: [NutriPhiModule, SessionModule.forRoot(), TranscriptionModule.forRoot()],
+	imports: [NutriPhiModule, SessionModule.forRoot(), TranscriptionModule.forRoot(), CreditModule.forRoot()],
 	providers: [MatrixService],
 	exports: [MatrixService],
 })
diff --git a/services/matrix-nutriphi-bot/src/bot/matrix.service.ts b/services/matrix-nutriphi-bot/src/bot/matrix.service.ts
index 7e3b85b1a..93a1492c5 100644
--- a/services/matrix-nutriphi-bot/src/bot/matrix.service.ts
+++ b/services/matrix-nutriphi-bot/src/bot/matrix.service.ts
@@ -13,9 +13,11 @@ import {
 	DailySummary,
 	WeeklyStats,
 } from '../nutriphi/nutriphi.service';
-import { SessionService, TranscriptionService } from '@manacore/bot-services';
+import { SessionService, TranscriptionService, CreditService } from '@manacore/bot-services';
 import { HELP_MESSAGE, MEAL_TYPE_LABELS } from '../config/configuration';
 
+const PHOTO_ANALYSIS_CREDITS = 3;
+
 // Natural language keyword detector
 const keywordDetector = new KeywordCommandDetector([
 	...COMMON_KEYWORDS,
@@ -33,7 +35,8 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private nutriphiService: NutriPhiService,
 		private sessionService: SessionService,
-		private transcriptionService: TranscriptionService
+		private transcriptionService: TranscriptionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -256,10 +259,19 @@ Sag "hilfe" fur alle Befehle!`;
 		const result = await this.sessionService.login(sender, email, password);
 
 		if (result.success) {
-			await this.sendMessage(
-				roomId,
-				`Erfolgreich angemeldet!\n\nDu kannst jetzt Fotos analysieren und deine Ernahrung tracken.`
-			);
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendMessage(
+					roomId,
+					`✅ Erfolgreich angemeldet als **${email}**\n⚡ Credits: ${balance.balance.toFixed(2)}\n\nDu kannst jetzt Fotos analysieren und deine Ernahrung tracken.`
+				);
+			} else {
+				await this.sendMessage(
+					roomId,
+					`✅ Erfolgreich angemeldet!\n\nDu kannst jetzt Fotos analysieren und deine Ernahrung tracken.`
+				);
+			}
 		} else {
 			await this.sendMessage(roomId, `Anmeldung fehlgeschlagen: ${result.error}`);
 		}
@@ -614,15 +626,21 @@ Sag "hilfe" fur alle Befehle!`;
 		const backendHealthy = await this.nutriphiService.checkHealth();
 		const isLoggedIn = this.sessionService.isLoggedIn(sender);
 		const sessionCount = this.sessionService.getSessionCount();
-		const loggedInCount = this.sessionService.getActiveSessionCount();
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
 
-		const statusText = `**NutriPhi Bot Status**
+		let statusText = `**NutriPhi Bot Status**\n\n`;
+		statusText += `**Backend:** ${backendHealthy ? '✅ Online' : '❌ Offline'}\n`;
+		statusText += `**Aktive Sessions:** ${sessionCount}\n\n`;
 
-**Backend:** ${backendHealthy ? 'Online' : 'Offline'}
-**Dein Status:** ${isLoggedIn ? 'Angemeldet' : 'Nicht angemeldet'}
-**Aktive Sessions:** ${sessionCount} (${loggedInCount} angemeldet)
-
-${!isLoggedIn ? 'Nutze `!login email passwort` um dich anzumelden.' : ''}`;
+		if (isLoggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			statusText += `👤 Angemeldet als: ${session.email}\n`;
+			statusText += `⚡ Credits: ${balance.balance.toFixed(2)}\n`;
+		} else {
+			statusText += `👤 Nicht angemeldet\n`;
+			statusText += `💡 Login: \`!login email passwort\``;
+		}
 
 		await this.sendMessage(roomId, statusText);
 	}
diff --git a/services/matrix-ollama-bot/src/bot/bot.module.ts b/services/matrix-ollama-bot/src/bot/bot.module.ts
index ac7b318cd..3a6812280 100644
--- a/services/matrix-ollama-bot/src/bot/bot.module.ts
+++ b/services/matrix-ollama-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { OllamaModule } from '../ollama/ollama.module';
-import { TranscriptionModule } from '@manacore/bot-services';
+import { TranscriptionModule, SessionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -9,6 +9,8 @@ import { TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		SessionModule.forRoot(),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-ollama-bot/src/bot/matrix.service.ts b/services/matrix-ollama-bot/src/bot/matrix.service.ts
index 853ebb23f..c14bda8a3 100644
--- a/services/matrix-ollama-bot/src/bot/matrix.service.ts
+++ b/services/matrix-ollama-bot/src/bot/matrix.service.ts
@@ -7,10 +7,13 @@ import {
 	KeywordCommandDetector,
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
-import { TranscriptionService } from '@manacore/bot-services';
+import { TranscriptionService, SessionService, CreditService } from '@manacore/bot-services';
 import { OllamaService } from '../ollama/ollama.service';
 import { SYSTEM_PROMPTS } from '../config/configuration';
 
+// Ollama is local, so credits are minimal
+const OLLAMA_CHAT_CREDITS = 0.1;
+
 interface UserSession {
 	systemPrompt: string;
 	model: string;
@@ -39,7 +42,9 @@ export class MatrixService extends BaseMatrixService {
 	constructor(
 		configService: ConfigService,
 		private readonly transcriptionService: TranscriptionService,
-		private ollamaService: OllamaService
+		private ollamaService: OllamaService,
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -382,14 +387,23 @@ Schreibe einfach eine Nachricht und ich antworte!
 		const connected = await this.ollamaService.checkConnection();
 		const models = await this.ollamaService.listModels();
 		const session = this.getSession(sender);
+		const loggedIn = this.sessionService.isLoggedIn(sender);
+		const authSession = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
 
-		const statusText = `**Ollama Status**
+		let statusText = `**Ollama Status**\n\n`;
+		statusText += `**Verbindung:** ${connected ? 'Online' : 'Offline'}\n`;
+		statusText += `**Modelle:** ${models.length}\n`;
+		statusText += `**Dein Modell:** \`${session.model}\`\n`;
+		statusText += `**Chat-Verlauf:** ${session.history.length} Nachrichten\n`;
 
-**Verbindung:** ${connected ? 'Online' : 'Offline'}
-**Modelle:** ${models.length}
-**Dein Modell:** \`${session.model}\`
-**Chat-Verlauf:** ${session.history.length} Nachrichten
-**DSGVO:** Alle Daten lokal`;
+		if (loggedIn && authSession && token) {
+			const balance = await this.creditService.getBalance(token);
+			statusText += `**👤 Angemeldet als:** ${authSession.email}\n`;
+			statusText += `**⚡ Credits:** ${balance.balance.toFixed(2)}\n`;
+		}
+
+		statusText += `**DSGVO:** Alle Daten lokal`;
 
 		await this.sendMessage(roomId, statusText);
 	}
diff --git a/services/matrix-picture-bot/src/bot/bot.module.ts b/services/matrix-picture-bot/src/bot/bot.module.ts
index b8f8a9a53..2a4f48af4 100644
--- a/services/matrix-picture-bot/src/bot/bot.module.ts
+++ b/services/matrix-picture-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { PictureModule } from '../picture/picture.module';
-import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
+import { SessionModule, TranscriptionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -10,6 +10,7 @@ import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-picture-bot/src/bot/matrix.service.ts b/services/matrix-picture-bot/src/bot/matrix.service.ts
index ca6d7b18e..87055bb9c 100644
--- a/services/matrix-picture-bot/src/bot/matrix.service.ts
+++ b/services/matrix-picture-bot/src/bot/matrix.service.ts
@@ -8,9 +8,12 @@ import {
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
 import { PictureService } from '../picture/picture.service';
-import { SessionService, TranscriptionService } from '@manacore/bot-services';
+import { SessionService, TranscriptionService, CreditService } from '@manacore/bot-services';
 import { HELP_MESSAGE } from '../config/configuration';
 
+// Credit cost for image generation
+const IMAGE_GENERATION_CREDITS = 10;
+
 interface ParsedPrompt {
 	prompt: string;
 	negativePrompt?: string;
@@ -38,7 +41,8 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private readonly transcriptionService: TranscriptionService,
 		private pictureService: PictureService,
-		private sessionService: SessionService
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -239,6 +243,18 @@ Sag "hilfe" fur alle Befehle!`;
 			return;
 		}
 
+		// Validate credits before generating
+		const validation = await this.creditService.validateCredits(token, IMAGE_GENERATION_CREDITS);
+		if (!validation.hasCredits) {
+			const errorMsg = this.creditService.formatInsufficientCreditsError(
+				IMAGE_GENERATION_CREDITS,
+				validation.availableCredits,
+				'Bildgenerierung'
+			);
+			await this.sendMessage(roomId, errorMsg.text);
+			return;
+		}
+
 		// Check if user already has an active generation
 		if (this.activeGenerations.has(sender)) {
 			await this.sendMessage(
@@ -461,11 +477,17 @@ Sag "hilfe" fur alle Befehle!`;
 		}
 
 		try {
-			const balance = await this.pictureService.getCredits(token);
-			await this.sendMessage(
-				roomId,
-				`**Dein Credit-Guthaben:** ${balance} Credits\n\nEine Bildgenerierung kostet 10 Credits.`
-			);
+			const balance = await this.creditService.getBalance(token);
+			const creditIcon = balance.hasCredits ? '⚡' : '⚠️';
+			let text = `${creditIcon} **Dein Credit-Guthaben:** ${balance.balance.toFixed(2)} Credits\n\n`;
+			text += `Eine Bildgenerierung kostet **${IMAGE_GENERATION_CREDITS} Credits**.`;
+
+			if (balance.balance < IMAGE_GENERATION_CREDITS) {
+				text += '\n\n⚠️ Nicht genug Credits fur eine Generierung!';
+				text += '\n👉 Credits kaufen: https://mana.how/credits';
+			}
+
+			await this.sendMessage(roomId, text);
 		} catch (error) {
 			const errorMsg = error instanceof Error ? error.message : 'Unbekannter Fehler';
 			await this.sendMessage(roomId, `Fehler: ${errorMsg}`);
@@ -514,14 +536,30 @@ Sag "hilfe" fur alle Befehle!`;
 	private async handleStatus(roomId: string, sender: string) {
 		const backendHealthy = await this.pictureService.checkHealth();
 		const isLoggedIn = this.sessionService.isLoggedIn(sender);
+		const email = this.sessionService.getEmail(sender);
+		const token = this.sessionService.getToken(sender);
 		const sessionCount = this.sessionService.getSessionCount();
 		const currentModel = this.userModels.get(sender);
 		const hasActiveGeneration = this.activeGenerations.has(sender);
 
+		// Get credit balance if logged in
+		let creditInfo = '';
+		if (token) {
+			const balance = await this.creditService.getBalance(token);
+			const creditIcon = balance.hasCredits ? '⚡' : '⚠️';
+			creditInfo = `\n${creditIcon} **Credits:** ${balance.balance.toFixed(2)}`;
+			if (balance.balance < IMAGE_GENERATION_CREDITS && balance.balance > 0) {
+				creditInfo += '\n⚠️ Nicht genug Credits fur eine Generierung!';
+			}
+			if (!balance.hasCredits) {
+				creditInfo += '\n👉 Credits kaufen: https://mana.how/credits';
+			}
+		}
+
 		const statusText = `**Picture Bot Status**
 
 **Backend:** ${backendHealthy ? 'Online' : 'Offline'}
-**Dein Status:** ${isLoggedIn ? 'Angemeldet' : 'Nicht angemeldet'}
+**Dein Status:** ${isLoggedIn ? `Angemeldet (${email})` : 'Nicht angemeldet'}${creditInfo}
 **Ausgewahltes Modell:** ${currentModel || 'Standard'}
 **Aktive Generierung:** ${hasActiveGeneration ? 'Ja' : 'Nein'}
 **Aktive Sessions:** ${sessionCount}
diff --git a/services/matrix-planta-bot/src/bot/bot.module.ts b/services/matrix-planta-bot/src/bot/bot.module.ts
index e66c65a49..0ef9e1d6e 100644
--- a/services/matrix-planta-bot/src/bot/bot.module.ts
+++ b/services/matrix-planta-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { PlantaModule } from '../planta/planta.module';
-import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
+import { SessionModule, TranscriptionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -10,6 +10,7 @@ import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-planta-bot/src/bot/matrix.service.ts b/services/matrix-planta-bot/src/bot/matrix.service.ts
index bfd89b68d..a14305791 100644
--- a/services/matrix-planta-bot/src/bot/matrix.service.ts
+++ b/services/matrix-planta-bot/src/bot/matrix.service.ts
@@ -9,7 +9,7 @@ import {
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
 import { PlantaService, Plant } from '../planta/planta.service';
-import { SessionService, TranscriptionService } from '@manacore/bot-services';
+import { SessionService, TranscriptionService, CreditService } from '@manacore/bot-services';
 import { HELP_MESSAGE } from '../config/configuration';
 
 @Injectable()
@@ -51,7 +51,8 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private readonly transcriptionService: TranscriptionService,
 		private plantaService: PlantaService,
-		private sessionService: SessionService
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -211,9 +212,15 @@ export class MatrixService extends BaseMatrixService {
 		const result = await this.sessionService.login(sender, email, password);
 
 		if (result.success) {
-			await this.sendMessage(roomId, `<p>Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendMessage(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong><br/>⚡ Credits: ${balance.balance.toFixed(2)}</p>`);
+			} else {
+				await this.sendMessage(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			}
 		} else {
-			await this.sendMessage(roomId, `<p>Login fehlgeschlagen: ${result.error}</p>`);
+			await this.sendMessage(roomId, `<p>❌ Login fehlgeschlagen: ${result.error}</p>`);
 		}
 	}
 
@@ -221,16 +228,24 @@ export class MatrixService extends BaseMatrixService {
 		const backendOk = await this.plantaService.checkHealth();
 		const loggedIn = this.sessionService.isLoggedIn(sender);
 		const sessions = this.sessionService.getSessionCount();
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
 
-		await this.sendMessage(
-			roomId,
-			`<h3>Planta Bot Status</h3>
-<ul>
-<li>Backend: ${backendOk ? 'Online' : 'Offline'}</li>
-<li>Angemeldet: ${loggedIn ? 'Ja' : 'Nein'}</li>
-<li>Aktive Sessions: ${sessions}</li>
-</ul>`
-		);
+		let statusHtml = `<h3>Planta Bot Status</h3><ul>`;
+		statusHtml += `<li>Backend: ${backendOk ? '✅ Online' : '❌ Offline'}</li>`;
+		statusHtml += `<li>Aktive Sessions: ${sessions}</li>`;
+
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			statusHtml += `<li>👤 Angemeldet als: ${session.email}</li>`;
+			statusHtml += `<li>⚡ Credits: ${balance.balance.toFixed(2)}</li>`;
+		} else {
+			statusHtml += `<li>👤 Nicht angemeldet</li>`;
+			statusHtml += `<li>💡 Login: <code>!login email passwort</code></li>`;
+		}
+		statusHtml += `</ul>`;
+
+		await this.sendMessage(roomId, statusHtml);
 	}
 
 	// Plant handlers
diff --git a/services/matrix-presi-bot/src/bot/bot.module.ts b/services/matrix-presi-bot/src/bot/bot.module.ts
index e6110c28d..08ed2ca12 100644
--- a/services/matrix-presi-bot/src/bot/bot.module.ts
+++ b/services/matrix-presi-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { PresiModule } from '../presi/presi.module';
-import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
+import { SessionModule, TranscriptionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -10,6 +10,7 @@ import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-presi-bot/src/bot/matrix.service.ts b/services/matrix-presi-bot/src/bot/matrix.service.ts
index d2406b07a..fd444a307 100644
--- a/services/matrix-presi-bot/src/bot/matrix.service.ts
+++ b/services/matrix-presi-bot/src/bot/matrix.service.ts
@@ -9,7 +9,7 @@ import {
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
 import { PresiService, Deck, Theme, SlideContent } from '../presi/presi.service';
-import { SessionService, TranscriptionService } from '@manacore/bot-services';
+import { SessionService, TranscriptionService, CreditService } from '@manacore/bot-services';
 import { HELP_MESSAGE } from '../config/configuration';
 
 @Injectable()
@@ -32,7 +32,8 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private readonly transcriptionService: TranscriptionService,
 		private presiService: PresiService,
-		private sessionService: SessionService
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -204,7 +205,13 @@ export class MatrixService extends BaseMatrixService {
 		const result = await this.sessionService.login(sender, email, password);
 
 		if (result.success) {
-			await this.sendMessage(roomId, `<p>Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendMessage(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong><br/>⚡ Credits: ${balance.balance.toFixed(2)}</p>`);
+			} else {
+				await this.sendMessage(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			}
 		} else {
 			await this.sendMessage(roomId, `<p>Login fehlgeschlagen: ${result.error}</p>`);
 		}
@@ -214,16 +221,23 @@ export class MatrixService extends BaseMatrixService {
 		const backendOk = await this.presiService.checkHealth();
 		const loggedIn = this.sessionService.isLoggedIn(sender);
 		const sessions = this.sessionService.getSessionCount();
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
 
-		await this.sendMessage(
-			roomId,
-			`<h3>Presi Bot Status</h3>
-<ul>
-<li>Backend: ${backendOk ? 'Online' : 'Offline'}</li>
-<li>Angemeldet: ${loggedIn ? 'Ja' : 'Nein'}</li>
-<li>Aktive Sessions: ${sessions}</li>
-</ul>`
-		);
+		let statusHtml = '<h3>Presi Bot Status</h3><ul>';
+		statusHtml += `<li>Backend: ${backendOk ? 'Online' : 'Offline'}</li>`;
+		statusHtml += `<li>Angemeldet: ${loggedIn ? 'Ja' : 'Nein'}</li>`;
+
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			statusHtml += `<li>👤 Angemeldet als: ${session.email}</li>`;
+			statusHtml += `<li>⚡ Credits: ${balance.balance.toFixed(2)}</li>`;
+		}
+
+		statusHtml += `<li>Aktive Sessions: ${sessions}</li>`;
+		statusHtml += '</ul>';
+
+		await this.sendMessage(roomId, statusHtml);
 	}
 
 	// Deck handlers
diff --git a/services/matrix-project-doc-bot/src/bot/bot.module.ts b/services/matrix-project-doc-bot/src/bot/bot.module.ts
index 506cb7fa3..76f7a97d3 100644
--- a/services/matrix-project-doc-bot/src/bot/bot.module.ts
+++ b/services/matrix-project-doc-bot/src/bot/bot.module.ts
@@ -3,9 +3,10 @@ import { MatrixService } from './matrix.service';
 import { ProjectModule } from '../project/project.module';
 import { MediaModule } from '../media/media.module';
 import { GenerationModule } from '../generation/generation.module';
+import { SessionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
-	imports: [ProjectModule, MediaModule, GenerationModule],
+	imports: [ProjectModule, MediaModule, GenerationModule, SessionModule.forRoot(), CreditModule.forRoot()],
 	providers: [MatrixService],
 	exports: [MatrixService],
 })
diff --git a/services/matrix-project-doc-bot/src/bot/matrix.service.ts b/services/matrix-project-doc-bot/src/bot/matrix.service.ts
index fcb66dd73..26d2db552 100644
--- a/services/matrix-project-doc-bot/src/bot/matrix.service.ts
+++ b/services/matrix-project-doc-bot/src/bot/matrix.service.ts
@@ -10,6 +10,7 @@ import {
 import { ProjectService } from '../project/project.service';
 import { MediaService } from '../media/media.service';
 import { GenerationService } from '../generation/generation.service';
+import { SessionService, CreditService } from '@manacore/bot-services';
 import { BLOG_STYLES } from '../config/configuration';
 
 @Injectable()
@@ -34,7 +35,9 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private projectService: ProjectService,
 		private mediaService: MediaService,
-		private generationService: GenerationService
+		private generationService: GenerationService,
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 		this.allowedUsers = this.configService.get<string[]>('matrix.allowedUsers') || [];
@@ -116,6 +119,16 @@ export class MatrixService extends BaseMatrixService {
 			case 'start':
 				await this.sendHelp(roomId);
 				break;
+			case 'login':
+				await this.handleLogin(roomId, sender, argString);
+				break;
+			case 'logout':
+				await this.handleLogout(roomId, sender);
+				break;
+			case 'auth':
+			case 'account':
+				await this.handleAuthStatus(roomId, sender);
+				break;
 			case 'new':
 				await this.createProject(roomId, sender, argString);
 				break;
@@ -154,6 +167,11 @@ export class MatrixService extends BaseMatrixService {
 
 Sammle Fotos, Sprachnotizen und Text für deine Projekte und erstelle daraus Blogbeiträge.
 
+**Account:**
+- \`!login email passwort\` - Anmelden
+- \`!logout\` - Abmelden
+- \`!auth\` - Account Status
+
 **Projekt-Commands:**
 - \`!new [Name]\` - Neues Projekt starten
 - \`!projects\` - Alle Projekte anzeigen
@@ -180,6 +198,53 @@ ${styles}
 		await this.sendMessage(roomId, helpText);
 	}
 
+	private async handleLogin(roomId: string, sender: string, args: string) {
+		const parts = args.split(' ');
+		if (parts.length < 2 || !parts[0] || !parts[1]) {
+			await this.sendMessage(roomId, 'Verwendung: `!login email passwort`');
+			return;
+		}
+		const [email, password] = parts;
+		const result = await this.sessionService.login(sender, email, password);
+
+		if (result.success) {
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendMessage(roomId,
+					`✅ Erfolgreich angemeldet als **${email}**\n⚡ Credits: ${balance.balance.toFixed(2)}`);
+			} else {
+				await this.sendMessage(roomId, `✅ Erfolgreich angemeldet als **${email}**`);
+			}
+		} else {
+			await this.sendMessage(roomId, `❌ Anmeldung fehlgeschlagen: ${result.error}`);
+		}
+	}
+
+	private async handleLogout(roomId: string, sender: string) {
+		this.sessionService.logout(sender);
+		await this.sendMessage(roomId, '👋 Erfolgreich abgemeldet.');
+	}
+
+	private async handleAuthStatus(roomId: string, sender: string) {
+		const loggedIn = this.sessionService.isLoggedIn(sender);
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
+
+		let response = '**📋 Account Status**\n\n';
+
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			response += `👤 Angemeldet als: ${session.email}\n`;
+			response += `⚡ Credits: ${balance.balance.toFixed(2)}`;
+		} else {
+			response += `❌ Nicht angemeldet\n`;
+			response += `Nutze \`!login email passwort\` zum Anmelden.`;
+		}
+
+		await this.sendMessage(roomId, response);
+	}
+
 	private async createProject(roomId: string, sender: string, name: string) {
 		if (!name) {
 			await this.sendMessage(
@@ -262,23 +327,34 @@ ${styles}
 	}
 
 	private async showStatus(roomId: string, sender: string) {
+		// Auth info
+		const loggedIn = this.sessionService.isLoggedIn(sender);
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
+
+		let authInfo = '';
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			authInfo = `**👤 Account**\n${session.email} | ⚡ ${balance.balance.toFixed(2)} Credits\n\n`;
+		}
+
 		const projectId = this.activeProjects.get(sender);
 		if (!projectId) {
-			await this.sendMessage(roomId, 'Kein aktives Projekt.\n\nStarte mit: `!new Projektname`');
+			await this.sendMessage(roomId, `${authInfo}Kein aktives Projekt.\n\nStarte mit: \`!new Projektname\``);
 			return;
 		}
 
 		const project = await this.projectService.findById(projectId);
 		if (!project) {
 			this.activeProjects.delete(sender);
-			await this.sendMessage(roomId, 'Projekt nicht gefunden. Starte ein neues mit `!new`');
+			await this.sendMessage(roomId, `${authInfo}Projekt nicht gefunden. Starte ein neues mit \`!new\``);
 			return;
 		}
 
 		const stats = await this.projectService.getStats(projectId);
 		const latest = await this.generationService.getLatestGeneration(projectId);
 
-		let statusText = `**Projekt-Status**\n\n**Name:** ${project.name}\n**Status:** ${project.status}\n**Erstellt:** ${project.createdAt.toLocaleDateString('de-DE')}\n\n**Inhalte:**\n${stats.photos} Fotos\n${stats.voices} Sprachnotizen\n${stats.texts} Textnotizen\n**Gesamt:** ${stats.total} Einträge`;
+		let statusText = `${authInfo}**Projekt-Status**\n\n**Name:** ${project.name}\n**Status:** ${project.status}\n**Erstellt:** ${project.createdAt.toLocaleDateString('de-DE')}\n\n**Inhalte:**\n${stats.photos} Fotos\n${stats.voices} Sprachnotizen\n${stats.texts} Textnotizen\n**Gesamt:** ${stats.total} Einträge`;
 
 		if (latest) {
 			statusText += `\n\n**Letzte Generierung:**\n${latest.createdAt.toLocaleString('de-DE')} (${latest.style})`;
diff --git a/services/matrix-questions-bot/src/bot/bot.module.ts b/services/matrix-questions-bot/src/bot/bot.module.ts
index a07064a89..304c8eda0 100644
--- a/services/matrix-questions-bot/src/bot/bot.module.ts
+++ b/services/matrix-questions-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { QuestionsModule } from '../questions/questions.module';
-import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
+import { SessionModule, TranscriptionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -10,6 +10,7 @@ import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-questions-bot/src/bot/matrix.service.ts b/services/matrix-questions-bot/src/bot/matrix.service.ts
index 6fc852aa5..bed3d0ef8 100644
--- a/services/matrix-questions-bot/src/bot/matrix.service.ts
+++ b/services/matrix-questions-bot/src/bot/matrix.service.ts
@@ -9,9 +9,14 @@ import {
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
 import { QuestionsService, Question, Collection, Answer } from '../questions/questions.service';
-import { SessionService, TranscriptionService } from '@manacore/bot-services';
+import { SessionService, TranscriptionService, CreditService } from '@manacore/bot-services';
 import { HELP_MESSAGE } from '../config/configuration';
 
+const QUESTION_CREATE_CREDITS = 0.02;
+const QUICK_RESEARCH_CREDITS = 5;
+const STANDARD_RESEARCH_CREDITS = 10;
+const DEEP_RESEARCH_CREDITS = 25;
+
 @Injectable()
 export class MatrixService extends BaseMatrixService {
 	// Store last shown items per user for reference by number
@@ -34,7 +39,8 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private questionsService: QuestionsService,
 		private sessionService: SessionService,
-		private readonly transcriptionService: TranscriptionService
+		private readonly transcriptionService: TranscriptionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -220,9 +226,15 @@ export class MatrixService extends BaseMatrixService {
 		const result = await this.sessionService.login(sender, email, password);
 
 		if (result.success) {
-			await this.sendMessage(roomId, `<p>Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendMessage(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong><br/>⚡ Credits: ${balance.balance.toFixed(2)}</p>`);
+			} else {
+				await this.sendMessage(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			}
 		} else {
-			await this.sendMessage(roomId, `<p>Login fehlgeschlagen: ${result.error}</p>`);
+			await this.sendMessage(roomId, `<p>❌ Login fehlgeschlagen: ${result.error}</p>`);
 		}
 	}
 
@@ -230,16 +242,24 @@ export class MatrixService extends BaseMatrixService {
 		const backendOk = await this.questionsService.checkHealth();
 		const loggedIn = this.sessionService.isLoggedIn(sender);
 		const sessions = this.sessionService.getSessionCount();
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
 
-		await this.sendMessage(
-			roomId,
-			`<h3>Questions Bot Status</h3>
-<ul>
-<li>Backend: ${backendOk ? 'Online' : 'Offline'}</li>
-<li>Angemeldet: ${loggedIn ? 'Ja' : 'Nein'}</li>
-<li>Aktive Sessions: ${sessions}</li>
-</ul>`
-		);
+		let statusHtml = `<h3>Questions Bot Status</h3><ul>`;
+		statusHtml += `<li>Backend: ${backendOk ? '✅ Online' : '❌ Offline'}</li>`;
+		statusHtml += `<li>Aktive Sessions: ${sessions}</li>`;
+
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			statusHtml += `<li>👤 Angemeldet als: ${session.email}</li>`;
+			statusHtml += `<li>⚡ Credits: ${balance.balance.toFixed(2)}</li>`;
+		} else {
+			statusHtml += `<li>👤 Nicht angemeldet</li>`;
+			statusHtml += `<li>💡 Login: <code>!login email passwort</code></li>`;
+		}
+		statusHtml += `</ul>`;
+
+		await this.sendMessage(roomId, statusHtml);
 	}
 
 	// Question handlers
diff --git a/services/matrix-skilltree-bot/src/bot/bot.module.ts b/services/matrix-skilltree-bot/src/bot/bot.module.ts
index 2cc637004..6dbf12b7c 100644
--- a/services/matrix-skilltree-bot/src/bot/bot.module.ts
+++ b/services/matrix-skilltree-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { SkilltreeModule } from '../skilltree/skilltree.module';
-import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
+import { SessionModule, TranscriptionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -10,6 +10,7 @@ import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-skilltree-bot/src/bot/matrix.service.ts b/services/matrix-skilltree-bot/src/bot/matrix.service.ts
index 7abfd7cbd..b6feab5a8 100644
--- a/services/matrix-skilltree-bot/src/bot/matrix.service.ts
+++ b/services/matrix-skilltree-bot/src/bot/matrix.service.ts
@@ -9,7 +9,7 @@ import {
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
 import { SkilltreeService, Skill, SkillBranch } from '../skilltree/skilltree.service';
-import { SessionService, TranscriptionService } from '@manacore/bot-services';
+import { SessionService, TranscriptionService, CreditService } from '@manacore/bot-services';
 import { HELP_MESSAGE } from '../config/configuration';
 
 @Injectable()
@@ -55,7 +55,8 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private skilltreeService: SkilltreeService,
 		private sessionService: SessionService,
-		private readonly transcriptionService: TranscriptionService
+		private readonly transcriptionService: TranscriptionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -207,7 +208,13 @@ export class MatrixService extends BaseMatrixService {
 		const result = await this.sessionService.login(sender, email, password);
 
 		if (result.success) {
-			await this.sendMessage(roomId, `<p>Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendMessage(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong><br/>⚡ Credits: ${balance.balance.toFixed(2)}</p>`);
+			} else {
+				await this.sendMessage(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			}
 		} else {
 			await this.sendMessage(roomId, `<p>Login fehlgeschlagen: ${result.error}</p>`);
 		}
@@ -217,16 +224,23 @@ export class MatrixService extends BaseMatrixService {
 		const backendOk = await this.skilltreeService.checkHealth();
 		const loggedIn = this.sessionService.isLoggedIn(sender);
 		const sessions = this.sessionService.getSessionCount();
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
 
-		await this.sendMessage(
-			roomId,
-			`<h3>Skilltree Bot Status</h3>
-<ul>
-<li>Backend: ${backendOk ? 'Online' : 'Offline'}</li>
-<li>Angemeldet: ${loggedIn ? 'Ja' : 'Nein'}</li>
-<li>Aktive Sessions: ${sessions}</li>
-</ul>`
-		);
+		let statusHtml = '<h3>Skilltree Bot Status</h3><ul>';
+		statusHtml += `<li>Backend: ${backendOk ? 'Online' : 'Offline'}</li>`;
+		statusHtml += `<li>Angemeldet: ${loggedIn ? 'Ja' : 'Nein'}</li>`;
+
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			statusHtml += `<li>👤 Angemeldet als: ${session.email}</li>`;
+			statusHtml += `<li>⚡ Credits: ${balance.balance.toFixed(2)}</li>`;
+		}
+
+		statusHtml += `<li>Aktive Sessions: ${sessions}</li>`;
+		statusHtml += '</ul>';
+
+		await this.sendMessage(roomId, statusHtml);
 	}
 
 	// Skill handlers
diff --git a/services/matrix-stats-bot/src/bot/bot.module.ts b/services/matrix-stats-bot/src/bot/bot.module.ts
index 4d217515d..d6a69c753 100644
--- a/services/matrix-stats-bot/src/bot/bot.module.ts
+++ b/services/matrix-stats-bot/src/bot/bot.module.ts
@@ -2,7 +2,7 @@ import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { AnalyticsModule } from '../analytics/analytics.module';
 import { UsersModule } from '../users/users.module';
-import { TranscriptionModule } from '@manacore/bot-services';
+import { TranscriptionModule, SessionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -11,6 +11,8 @@ import { TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		SessionModule.forRoot(),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-stats-bot/src/bot/matrix.service.ts b/services/matrix-stats-bot/src/bot/matrix.service.ts
index eba368c95..e4c619c20 100644
--- a/services/matrix-stats-bot/src/bot/matrix.service.ts
+++ b/services/matrix-stats-bot/src/bot/matrix.service.ts
@@ -9,7 +9,7 @@ import {
 } from '@manacore/matrix-bot-common';
 import { AnalyticsService } from '../analytics/analytics.service';
 import { UsersService } from '../users/users.service';
-import { TranscriptionService } from '@manacore/bot-services';
+import { TranscriptionService, SessionService, CreditService } from '@manacore/bot-services';
 
 @Injectable()
 export class MatrixService extends BaseMatrixService {
@@ -28,7 +28,9 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private analyticsService: AnalyticsService,
 		private usersService: UsersService,
-		private readonly transcriptionService: TranscriptionService
+		private readonly transcriptionService: TranscriptionService,
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 		this.reportRoomId = this.configService.get<string>('matrix.reportRoomId') || '';
@@ -48,7 +50,7 @@ export class MatrixService extends BaseMatrixService {
 		roomId: string,
 		_event: MatrixRoomEvent,
 		message: string,
-		_sender: string
+		sender: string
 	): Promise<void> {
 		// Check for keyword commands first
 		const keywordCommand = this.keywordDetector.detect(message);
@@ -58,8 +60,8 @@ export class MatrixService extends BaseMatrixService {
 
 		if (!message.startsWith('!')) return;
 
-		const [command] = message.slice(1).split(' ');
-		await this.handleCommand(roomId, command.toLowerCase());
+		const [command, ...args] = message.slice(1).split(' ');
+		await this.handleCommand(roomId, command.toLowerCase(), sender, args.join(' '));
 	}
 
 	protected override async handleAudioMessage(
@@ -86,13 +88,25 @@ export class MatrixService extends BaseMatrixService {
 		}
 	}
 
-	private async handleCommand(roomId: string, command: string) {
+	private async handleCommand(roomId: string, command: string, sender: string, args: string) {
 		switch (command) {
 			case 'help':
 			case 'start':
 				await this.sendHelp(roomId);
 				break;
 
+			case 'login':
+				await this.handleLogin(roomId, sender, args);
+				break;
+
+			case 'logout':
+				await this.handleLogout(roomId, sender);
+				break;
+
+			case 'status':
+				await this.handleStatus(roomId, sender);
+				break;
+
 			case 'stats':
 				await this.sendStats(roomId);
 				break;
@@ -121,7 +135,12 @@ export class MatrixService extends BaseMatrixService {
 	private async sendHelp(roomId: string) {
 		const helpText = `**📊 ManaCore Stats Bot (DSGVO-konform)**
 
-**Befehle:**
+**Account:**
+- \`!login email passwort\` - Anmelden
+- \`!logout\` - Abmelden
+- \`!status\` - Account Status
+
+**Statistiken:**
 - \`!stats\` - Übersicht aller Apps (30 Tage)
 - \`!today\` - Heutige Statistiken
 - \`!week\` - Wochenstatistiken
@@ -177,6 +196,53 @@ Daten von Umami Analytics (self-hosted).`;
 		await this.sendMessage(roomId, report);
 	}
 
+	private async handleLogin(roomId: string, sender: string, args: string) {
+		const parts = args.split(' ');
+		if (parts.length < 2 || !parts[0] || !parts[1]) {
+			await this.sendMessage(roomId, 'Verwendung: `!login email passwort`');
+			return;
+		}
+		const [email, password] = parts;
+		const result = await this.sessionService.login(sender, email, password);
+
+		if (result.success) {
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendMessage(roomId,
+					`✅ Erfolgreich angemeldet als **${email}**\n⚡ Credits: ${balance.balance.toFixed(2)}`);
+			} else {
+				await this.sendMessage(roomId, `✅ Erfolgreich angemeldet als **${email}**`);
+			}
+		} else {
+			await this.sendMessage(roomId, `❌ Anmeldung fehlgeschlagen: ${result.error}`);
+		}
+	}
+
+	private async handleLogout(roomId: string, sender: string) {
+		this.sessionService.logout(sender);
+		await this.sendMessage(roomId, '👋 Erfolgreich abgemeldet.');
+	}
+
+	private async handleStatus(roomId: string, sender: string) {
+		const loggedIn = this.sessionService.isLoggedIn(sender);
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
+
+		let response = '**📊 Stats Bot Status**\n\n';
+
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			response += `👤 Angemeldet als: ${session.email}\n`;
+			response += `⚡ Credits: ${balance.balance.toFixed(2)}\n`;
+		} else {
+			response += `❌ Nicht angemeldet\n`;
+			response += `Nutze \`!login email passwort\` zum Anmelden.`;
+		}
+
+		await this.sendMessage(roomId, response);
+	}
+
 	// Public method for scheduled reports
 	async sendScheduledReport(report: string) {
 		if (!this.reportRoomId) {
diff --git a/services/matrix-storage-bot/src/bot/bot.module.ts b/services/matrix-storage-bot/src/bot/bot.module.ts
index 59cf27b14..124d97fdb 100644
--- a/services/matrix-storage-bot/src/bot/bot.module.ts
+++ b/services/matrix-storage-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { StorageModule } from '../storage/storage.module';
-import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
+import { SessionModule, TranscriptionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -10,6 +10,7 @@ import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 	exports: [MatrixService],
diff --git a/services/matrix-storage-bot/src/bot/matrix.service.ts b/services/matrix-storage-bot/src/bot/matrix.service.ts
index 2cdcb2b48..3cd8bba4e 100644
--- a/services/matrix-storage-bot/src/bot/matrix.service.ts
+++ b/services/matrix-storage-bot/src/bot/matrix.service.ts
@@ -9,7 +9,7 @@ import {
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
 import { StorageService, StorageFile, Folder, ShareLink, TrashItem } from '../storage/storage.service';
-import { SessionService, TranscriptionService } from '@manacore/bot-services';
+import { SessionService, TranscriptionService, CreditService } from '@manacore/bot-services';
 import { HELP_MESSAGE } from '../config/configuration';
 
 @Injectable()
@@ -36,7 +36,8 @@ export class MatrixService extends BaseMatrixService {
 		configService: ConfigService,
 		private storageService: StorageService,
 		private sessionService: SessionService,
-		private readonly transcriptionService: TranscriptionService
+		private readonly transcriptionService: TranscriptionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -247,7 +248,13 @@ export class MatrixService extends BaseMatrixService {
 		const result = await this.sessionService.login(sender, email, password);
 
 		if (result.success) {
-			await this.sendMessage(roomId, `<p>Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendMessage(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong><br/>⚡ Credits: ${balance.balance.toFixed(2)}</p>`);
+			} else {
+				await this.sendMessage(roomId, `<p>✅ Erfolgreich angemeldet als <strong>${email}</strong></p>`);
+			}
 		} else {
 			await this.sendMessage(roomId, `<p>Login fehlgeschlagen: ${result.error}</p>`);
 		}
@@ -257,16 +264,23 @@ export class MatrixService extends BaseMatrixService {
 		const backendOk = await this.storageService.checkHealth();
 		const loggedIn = this.sessionService.isLoggedIn(sender);
 		const sessions = this.sessionService.getSessionCount();
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
 
-		await this.sendMessage(
-			roomId,
-			`<h3>Storage Bot Status</h3>
-<ul>
-<li>Backend: ${backendOk ? 'Online' : 'Offline'}</li>
-<li>Angemeldet: ${loggedIn ? 'Ja' : 'Nein'}</li>
-<li>Aktive Sessions: ${sessions}</li>
-</ul>`
-		);
+		let statusHtml = '<h3>Storage Bot Status</h3><ul>';
+		statusHtml += `<li>Backend: ${backendOk ? 'Online' : 'Offline'}</li>`;
+		statusHtml += `<li>Angemeldet: ${loggedIn ? 'Ja' : 'Nein'}</li>`;
+
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			statusHtml += `<li>👤 Angemeldet als: ${session.email}</li>`;
+			statusHtml += `<li>⚡ Credits: ${balance.balance.toFixed(2)}</li>`;
+		}
+
+		statusHtml += `<li>Aktive Sessions: ${sessions}</li>`;
+		statusHtml += '</ul>';
+
+		await this.sendMessage(roomId, statusHtml);
 	}
 
 	// File handlers
diff --git a/services/matrix-todo-bot/src/bot/bot.module.ts b/services/matrix-todo-bot/src/bot/bot.module.ts
index 0ad4c698f..cc1ed2837 100644
--- a/services/matrix-todo-bot/src/bot/bot.module.ts
+++ b/services/matrix-todo-bot/src/bot/bot.module.ts
@@ -1,10 +1,15 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { TodoModule } from '../todo/todo.module';
-import { TranscriptionModule } from '@manacore/bot-services';
+import { TranscriptionModule, SessionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
-	imports: [TodoModule, TranscriptionModule.forRoot()],
+	imports: [
+		TodoModule,
+		TranscriptionModule.forRoot(),
+		SessionModule.forRoot(),
+		CreditModule.forRoot(),
+	],
 	providers: [MatrixService],
 	exports: [MatrixService],
 })
diff --git a/services/matrix-todo-bot/src/bot/matrix.service.ts b/services/matrix-todo-bot/src/bot/matrix.service.ts
index cdcc0a7d7..8c06a6a99 100644
--- a/services/matrix-todo-bot/src/bot/matrix.service.ts
+++ b/services/matrix-todo-bot/src/bot/matrix.service.ts
@@ -8,9 +8,12 @@ import {
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
 import { TodoService, Task } from '../todo/todo.service';
-import { TranscriptionService } from '@manacore/bot-services';
+import { TranscriptionService, SessionService, CreditService } from '@manacore/bot-services';
 import { HELP_TEXT, WELCOME_TEXT, BOT_INTRODUCTION } from '../config/configuration';
 
+// Credit cost for task creation (micro-credits)
+const TASK_CREATE_CREDITS = 0.02;
+
 @Injectable()
 export class MatrixService extends BaseMatrixService {
 	private readonly keywordDetector = new KeywordCommandDetector(
@@ -29,7 +32,9 @@ export class MatrixService extends BaseMatrixService {
 	constructor(
 		configService: ConfigService,
 		private todoService: TodoService,
-		private transcriptionService: TranscriptionService
+		private transcriptionService: TranscriptionService,
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -113,6 +118,21 @@ export class MatrixService extends BaseMatrixService {
 				return;
 			}
 
+			// Check credits if user is logged in
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const validation = await this.creditService.validateCredits(token, TASK_CREATE_CREDITS);
+				if (!validation.hasCredits) {
+					const errorMsg = this.creditService.formatInsufficientCreditsError(
+						TASK_CREATE_CREDITS,
+						validation.availableCredits,
+						'Aufgabe erstellen'
+					);
+					await this.sendReply(roomId, event, `Transkription: "${transcription}"\n\n${errorMsg.text}`);
+					return;
+				}
+			}
+
 			// Parse the transcription as a task input
 			const { title, priority, dueDate, project } = this.todoService.parseTaskInput(transcription);
 
@@ -134,6 +154,12 @@ export class MatrixService extends BaseMatrixService {
 				responseText += `\n${details.join(' | ')}`;
 			}
 
+			// Show credit deduction if logged in
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				responseText += `\n\n⚡ -${TASK_CREATE_CREDITS} Credits (${balance.balance.toFixed(2)} verbleibend)`;
+			}
+
 			await this.sendReply(roomId, event, responseText);
 		} catch (error) {
 			this.logger.error('Audio processing failed:', error);
@@ -155,6 +181,14 @@ export class MatrixService extends BaseMatrixService {
 				await this.sendReply(roomId, event, HELP_TEXT);
 				break;
 
+			case 'login':
+				await this.handleLogin(roomId, event, userId, args);
+				break;
+
+			case 'logout':
+				await this.handleLogout(roomId, event, userId);
+				break;
+
 			case 'add':
 			case 'neu':
 			case 'neue':
@@ -223,6 +257,21 @@ export class MatrixService extends BaseMatrixService {
 			return;
 		}
 
+		// Check credits if user is logged in
+		const token = this.sessionService.getToken(userId);
+		if (token) {
+			const validation = await this.creditService.validateCredits(token, TASK_CREATE_CREDITS);
+			if (!validation.hasCredits) {
+				const errorMsg = this.creditService.formatInsufficientCreditsError(
+					TASK_CREATE_CREDITS,
+					validation.availableCredits,
+					'Aufgabe erstellen'
+				);
+				await this.sendReply(roomId, event, errorMsg.text);
+				return;
+			}
+		}
+
 		const { title, priority, dueDate, project } = this.todoService.parseTaskInput(input);
 
 		const task = await this.todoService.createTask(userId, title, {
@@ -242,6 +291,12 @@ export class MatrixService extends BaseMatrixService {
 			response += `\n${details.join(' | ')}`;
 		}
 
+		// Show credit deduction if logged in
+		if (token) {
+			const balance = await this.creditService.getBalance(token);
+			response += `\n\n⚡ -${TASK_CREATE_CREDITS} Credits (${balance.balance.toFixed(2)} verbleibend)`;
+		}
+
 		await this.sendReply(roomId, event, response);
 	}
 
@@ -379,19 +434,60 @@ export class MatrixService extends BaseMatrixService {
 
 	private async handleStatus(roomId: string, event: MatrixRoomEvent, userId: string) {
 		const stats = await this.todoService.getStats(userId);
+		const isLoggedIn = this.sessionService.isLoggedIn(userId);
+		const email = this.sessionService.getEmail(userId);
+		const token = this.sessionService.getToken(userId);
+
+		// Get credit balance if logged in
+		let creditInfo = '';
+		if (token) {
+			const balance = await this.creditService.getBalance(token);
+			const creditIcon = balance.hasCredits ? '⚡' : '⚠️';
+			creditInfo = `\n${creditIcon} Credits: ${balance.balance.toFixed(2)}`;
+			if (balance.balance < 10 && balance.balance > 0) {
+				creditInfo += '\n⚠️ Nur noch wenig Credits!';
+			}
+			if (!balance.hasCredits) {
+				creditInfo += '\n👉 Credits kaufen: https://mana.how/credits';
+			}
+		}
 
 		const response = `**Status**
 
+👤 Angemeldet: ${isLoggedIn ? `Ja (${email})` : 'Nein'}${creditInfo}
+
 - Offene Aufgaben: ${stats.pending}
 - Heute faellig: ${stats.today}
 - Erledigt: ${stats.completed}
 - Gesamt: ${stats.total}
 
-Bot: Online`;
+Bot: Online${!isLoggedIn ? '\n\nTipp: Mit `!login email passwort` anmelden fuer Credit-Tracking' : ''}`;
 
 		await this.sendReply(roomId, event, response);
 	}
 
+	private async handleLogin(roomId: string, event: MatrixRoomEvent, userId: string, args: string) {
+		const parts = args.trim().split(/\s+/);
+		if (parts.length < 2) {
+			await this.sendReply(roomId, event, 'Verwendung: `!login email passwort`');
+			return;
+		}
+
+		const [email, password] = parts;
+		const result = await this.sessionService.login(userId, email, password);
+
+		if (result.success) {
+			await this.sendReply(roomId, event, `Erfolgreich angemeldet als **${email}**`);
+		} else {
+			await this.sendReply(roomId, event, `Anmeldung fehlgeschlagen: ${result.error}`);
+		}
+	}
+
+	private async handleLogout(roomId: string, event: MatrixRoomEvent, userId: string) {
+		this.sessionService.logout(userId);
+		await this.sendReply(roomId, event, 'Erfolgreich abgemeldet.');
+	}
+
 	private async handlePinHelp(roomId: string, event: MatrixRoomEvent) {
 		try {
 			// Send help message
diff --git a/services/matrix-tts-bot/src/bot/bot.module.ts b/services/matrix-tts-bot/src/bot/bot.module.ts
index 10c33feff..1bb1b7ccc 100644
--- a/services/matrix-tts-bot/src/bot/bot.module.ts
+++ b/services/matrix-tts-bot/src/bot/bot.module.ts
@@ -1,7 +1,7 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { TtsModule } from '../tts/tts.module';
-import { TranscriptionModule } from '@manacore/bot-services';
+import { TranscriptionModule, SessionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
 	imports: [
@@ -9,6 +9,8 @@ import { TranscriptionModule } from '@manacore/bot-services';
 		TranscriptionModule.register({
 			sttUrl: process.env.STT_URL || 'http://localhost:3020',
 		}),
+		SessionModule.forRoot(),
+		CreditModule.forRoot(),
 	],
 	providers: [MatrixService],
 })
diff --git a/services/matrix-tts-bot/src/bot/matrix.service.ts b/services/matrix-tts-bot/src/bot/matrix.service.ts
index 41aadac26..0160da0cf 100644
--- a/services/matrix-tts-bot/src/bot/matrix.service.ts
+++ b/services/matrix-tts-bot/src/bot/matrix.service.ts
@@ -8,7 +8,7 @@ import {
 	COMMON_KEYWORDS,
 } from '@manacore/matrix-bot-common';
 import { TtsService } from '../tts/tts.service';
-import { TranscriptionService } from '@manacore/bot-services';
+import { TranscriptionService, SessionService, CreditService } from '@manacore/bot-services';
 import { HELP_TEXT, WELCOME_TEXT } from '../config/configuration';
 
 interface UserSettings {
@@ -38,7 +38,9 @@ export class MatrixService extends BaseMatrixService {
 	constructor(
 		configService: ConfigService,
 		private ttsService: TtsService,
-		private readonly transcriptionService: TranscriptionService
+		private readonly transcriptionService: TranscriptionService,
+		private sessionService: SessionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 		this.defaultVoice = this.configService.get<string>('tts.defaultVoice') || 'af_heart';
@@ -277,12 +279,21 @@ export class MatrixService extends BaseMatrixService {
 	private async handleStatusCommand(roomId: string, event: MatrixRoomEvent, userId: string) {
 		const settings = this.getUserSettings(userId);
 		const ttsHealthy = await this.ttsService.isHealthy();
+		const loggedIn = this.sessionService.isLoggedIn(userId);
+		const session = this.sessionService.getSession(userId);
+		const token = this.sessionService.getToken(userId);
 
 		let response = '**Aktuelle Einstellungen:**\n\n';
 		response += `Stimme: \`${settings.voice}\`\n`;
 		response += `Geschwindigkeit: ${settings.speed}x\n`;
 		response += `Max. Textlaenge: ${this.maxTextLength} Zeichen\n\n`;
-		response += `TTS-Service: ${ttsHealthy ? 'Online' : 'Offline'}`;
+		response += `TTS-Service: ${ttsHealthy ? 'Online' : 'Offline'}\n`;
+
+		if (loggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			response += `\n👤 Angemeldet als: ${session.email}\n`;
+			response += `⚡ Credits: ${balance.balance.toFixed(2)}`;
+		}
 
 		await this.sendReply(roomId, event, response);
 	}
diff --git a/services/matrix-zitare-bot/src/bot/bot.module.ts b/services/matrix-zitare-bot/src/bot/bot.module.ts
index bcc227f78..44d86d4e6 100644
--- a/services/matrix-zitare-bot/src/bot/bot.module.ts
+++ b/services/matrix-zitare-bot/src/bot/bot.module.ts
@@ -1,10 +1,10 @@
 import { Module } from '@nestjs/common';
 import { MatrixService } from './matrix.service';
 import { QuotesModule } from '../quotes/quotes.module';
-import { SessionModule, TranscriptionModule } from '@manacore/bot-services';
+import { SessionModule, TranscriptionModule, CreditModule } from '@manacore/bot-services';
 
 @Module({
-	imports: [QuotesModule, SessionModule.forRoot(), TranscriptionModule.forRoot()],
+	imports: [QuotesModule, SessionModule.forRoot(), TranscriptionModule.forRoot(), CreditModule.forRoot()],
 	providers: [MatrixService],
 	exports: [MatrixService],
 })
diff --git a/services/matrix-zitare-bot/src/bot/matrix.service.ts b/services/matrix-zitare-bot/src/bot/matrix.service.ts
index bce0fcf7e..4380659bf 100644
--- a/services/matrix-zitare-bot/src/bot/matrix.service.ts
+++ b/services/matrix-zitare-bot/src/bot/matrix.service.ts
@@ -9,7 +9,7 @@ import {
 } from '@manacore/matrix-bot-common';
 import { QuotesService } from '../quotes/quotes.service';
 import { ZitareService } from '../quotes/zitare.service';
-import { SessionService, TranscriptionService } from '@manacore/bot-services';
+import { SessionService, TranscriptionService, CreditService } from '@manacore/bot-services';
 import { HELP_MESSAGE, Category } from '../config/configuration';
 
 @Injectable()
@@ -33,7 +33,8 @@ export class MatrixService extends BaseMatrixService {
 		private quotesService: QuotesService,
 		private zitareService: ZitareService,
 		private sessionService: SessionService,
-		private transcriptionService: TranscriptionService
+		private transcriptionService: TranscriptionService,
+		private creditService: CreditService
 	) {
 		super(configService);
 	}
@@ -361,10 +362,19 @@ Sag "hilfe" fuer alle Befehle!`;
 		const result = await this.sessionService.login(sender, email, password);
 
 		if (result.success) {
-			await this.sendMessage(
-				roomId,
-				`Erfolgreich angemeldet!\n\nDu kannst jetzt Favoriten speichern und Listen verwalten.`
-			);
+			const token = this.sessionService.getToken(sender);
+			if (token) {
+				const balance = await this.creditService.getBalance(token);
+				await this.sendMessage(
+					roomId,
+					`✅ Erfolgreich angemeldet!\n⚡ Credits: ${balance.balance.toFixed(2)}\n\nDu kannst jetzt Favoriten speichern und Listen verwalten.`
+				);
+			} else {
+				await this.sendMessage(
+					roomId,
+					`Erfolgreich angemeldet!\n\nDu kannst jetzt Favoriten speichern und Listen verwalten.`
+				);
+			}
 		} else {
 			await this.sendMessage(roomId, `Anmeldung fehlgeschlagen: ${result.error}`);
 		}
@@ -556,15 +566,22 @@ Sag "hilfe" fuer alle Befehle!`;
 		const isLoggedIn = this.sessionService.isLoggedIn(sender);
 		const sessionCount = this.sessionService.getSessionCount();
 		const totalQuotes = this.quotesService.getTotalCount();
+		const session = this.sessionService.getSession(sender);
+		const token = this.sessionService.getToken(sender);
 
-		const statusText = `**Zitare Bot Status**
+		let statusText = `**Zitare Bot Status**\n\n`;
+		statusText += `**Backend:** ${backendHealthy ? 'Online' : 'Offline'}\n`;
+		statusText += `**Dein Status:** ${isLoggedIn ? 'Angemeldet' : 'Nicht angemeldet'}\n`;
 
-**Backend:** ${backendHealthy ? 'Online' : 'Offline'}
-**Dein Status:** ${isLoggedIn ? 'Angemeldet' : 'Nicht angemeldet'}
-**Aktive Sessions:** ${sessionCount}
-**Verfuegbare Zitate:** ${totalQuotes}
+		if (isLoggedIn && session && token) {
+			const balance = await this.creditService.getBalance(token);
+			statusText += `**👤 Angemeldet als:** ${session.email}\n`;
+			statusText += `**⚡ Credits:** ${balance.balance.toFixed(2)}\n`;
+		}
 
-${!isLoggedIn ? 'Nutze `!login email passwort` um dich anzumelden.' : ''}`;
+		statusText += `**Aktive Sessions:** ${sessionCount}\n`;
+		statusText += `**Verfuegbare Zitate:** ${totalQuotes}\n`;
+		statusText += `\n${!isLoggedIn ? 'Nutze `!login email passwort` um dich anzumelden.' : ''}`;
 
 		await this.sendMessage(roomId, statusText);
 	}