feat: add payment gateway and billing plans

crates/aether-data-contracts/src/repository/billing/mod.rs

@@ -3,5 +3,7 @@ mod types;
 pub use types::{
     AdminBillingCollectorRecord, AdminBillingCollectorWriteInput, AdminBillingMutationOutcome,
     AdminBillingPresetApplyResult, AdminBillingRuleRecord, AdminBillingRuleWriteInput,
-    BillingReadRepository, StoredBillingModelContext,
+    BillingPlanRecord, BillingPlanWriteInput, BillingReadRepository, PaymentGatewayConfigRecord,
+    PaymentGatewayConfigWriteInput, StoredBillingModelContext, UserDailyQuotaAvailabilityRecord,
+    UserPlanEntitlementRecord,
 };

crates/aether-data-contracts/src/repository/billing/types.rs

@@ -150,6 +150,93 @@ pub enum AdminBillingMutationOutcome<T> {
     Unavailable,
 }
 
+#[derive(Debug, Clone, PartialEq, serde::Serialize, serde::Deserialize)]
+pub struct PaymentGatewayConfigRecord {
+    pub provider: String,
+    pub enabled: bool,
+    pub endpoint_url: String,
+    pub callback_base_url: Option<String>,
+    pub merchant_id: String,
+    pub merchant_key_encrypted: Option<String>,
+    pub pay_currency: String,
+    pub usd_exchange_rate: f64,
+    pub min_recharge_usd: f64,
+    pub channels_json: Value,
+    pub created_at_unix_secs: u64,
+    pub updated_at_unix_secs: u64,
+}
+
+#[derive(Debug, Clone, PartialEq)]
+pub struct PaymentGatewayConfigWriteInput {
+    pub provider: String,
+    pub enabled: bool,
+    pub endpoint_url: String,
+    pub callback_base_url: Option<String>,
+    pub merchant_id: String,
+    pub merchant_key_encrypted: Option<String>,
+    pub preserve_existing_secret: bool,
+    pub pay_currency: String,
+    pub usd_exchange_rate: f64,
+    pub min_recharge_usd: f64,
+    pub channels_json: Value,
+}
+
+#[derive(Debug, Clone, PartialEq, serde::Serialize, serde::Deserialize)]
+pub struct BillingPlanRecord {
+    pub id: String,
+    pub title: String,
+    pub description: Option<String>,
+    pub price_amount: f64,
+    pub price_currency: String,
+    pub duration_unit: String,
+    pub duration_value: i64,
+    pub enabled: bool,
+    pub sort_order: i64,
+    pub max_active_per_user: i64,
+    pub purchase_limit_scope: String,
+    pub entitlements_json: Value,
+    pub created_at_unix_secs: u64,
+    pub updated_at_unix_secs: u64,
+}
+
+#[derive(Debug, Clone, PartialEq)]
+pub struct BillingPlanWriteInput {
+    pub title: String,
+    pub description: Option<String>,
+    pub price_amount: f64,
+    pub price_currency: String,
+    pub duration_unit: String,
+    pub duration_value: i64,
+    pub enabled: bool,
+    pub sort_order: i64,
+    pub max_active_per_user: i64,
+    pub purchase_limit_scope: String,
+    pub entitlements_json: Value,
+}
+
+#[derive(Debug, Clone, PartialEq, serde::Serialize, serde::Deserialize)]
+pub struct UserPlanEntitlementRecord {
+    pub id: String,
+    pub user_id: String,
+    pub plan_id: String,
+    pub payment_order_id: String,
+    pub status: String,
+    pub starts_at_unix_secs: u64,
+    pub expires_at_unix_secs: u64,
+    pub entitlements_snapshot: Value,
+    pub created_at_unix_secs: u64,
+    pub updated_at_unix_secs: u64,
+}
+
+#[derive(Debug, Clone, PartialEq, serde::Serialize, serde::Deserialize)]
+pub struct UserDailyQuotaAvailabilityRecord {
+    pub has_active_daily_quota: bool,
+    pub total_quota_usd: f64,
+    pub used_usd: f64,
+    pub remaining_usd: f64,
+    pub allow_wallet_overage: bool,
+}
+
 #[async_trait]
 pub trait BillingReadRepository: Send + Sync {
     async fn find_model_context(
@@ -273,4 +360,87 @@ pub trait BillingReadRepository: Send + Sync {
         let _ = (preset, mode, collectors);
         Ok(AdminBillingMutationOutcome::Unavailable)
     }
+
+    async fn find_payment_gateway_config(
+        &self,
+        provider: &str,
+    ) -> Result<Option<PaymentGatewayConfigRecord>, crate::DataLayerError> {
+        let _ = provider;
+        Ok(None)
+    }
+
+    async fn upsert_payment_gateway_config(
+        &self,
+        input: &PaymentGatewayConfigWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<PaymentGatewayConfigRecord>, crate::DataLayerError>
+    {
+        let _ = input;
+        Ok(AdminBillingMutationOutcome::Unavailable)
+    }
+
+    async fn list_billing_plans(
+        &self,
+        include_disabled: bool,
+    ) -> Result<Option<Vec<BillingPlanRecord>>, crate::DataLayerError> {
+        let _ = include_disabled;
+        Ok(None)
+    }
+
+    async fn find_billing_plan(
+        &self,
+        plan_id: &str,
+    ) -> Result<Option<BillingPlanRecord>, crate::DataLayerError> {
+        let _ = plan_id;
+        Ok(None)
+    }
+
+    async fn create_billing_plan(
+        &self,
+        input: &BillingPlanWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, crate::DataLayerError> {
+        let _ = input;
+        Ok(AdminBillingMutationOutcome::Unavailable)
+    }
+
+    async fn update_billing_plan(
+        &self,
+        plan_id: &str,
+        input: &BillingPlanWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, crate::DataLayerError> {
+        let _ = (plan_id, input);
+        Ok(AdminBillingMutationOutcome::Unavailable)
+    }
+
+    async fn set_billing_plan_enabled(
+        &self,
+        plan_id: &str,
+        enabled: bool,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, crate::DataLayerError> {
+        let _ = (plan_id, enabled);
+        Ok(AdminBillingMutationOutcome::Unavailable)
+    }
+
+    async fn delete_billing_plan(
+        &self,
+        plan_id: &str,
+    ) -> Result<AdminBillingMutationOutcome<()>, crate::DataLayerError> {
+        let _ = plan_id;
+        Ok(AdminBillingMutationOutcome::Unavailable)
+    }
+
+    async fn list_user_plan_entitlements(
+        &self,
+        user_id: &str,
+    ) -> Result<Option<Vec<UserPlanEntitlementRecord>>, crate::DataLayerError> {
+        let _ = user_id;
+        Ok(None)
+    }
+
+    async fn find_user_daily_quota_availability(
+        &self,
+        user_id: &str,
+    ) -> Result<Option<UserDailyQuotaAvailabilityRecord>, crate::DataLayerError> {
+        let _ = user_id;
+        Ok(None)
+    }
 }

crates/aether-data/migrations/mysql/20260512090000_add_payment_gateway_plans.sql

@@ -0,0 +1,79 @@
+ALTER TABLE payment_orders
+  ADD COLUMN payment_provider VARCHAR(64),
+  ADD COLUMN payment_channel VARCHAR(64),
+  ADD COLUMN order_kind VARCHAR(64) NOT NULL DEFAULT 'wallet_recharge',
+  ADD COLUMN product_id VARCHAR(64),
+  ADD COLUMN product_snapshot TEXT,
+  ADD COLUMN fulfillment_status VARCHAR(64) NOT NULL DEFAULT 'pending',
+  ADD COLUMN fulfillment_error TEXT;
+
+CREATE INDEX idx_payment_orders_kind_status
+  ON payment_orders (order_kind, status);
+CREATE INDEX idx_payment_orders_product
+  ON payment_orders (product_id);
+
+CREATE TABLE IF NOT EXISTS payment_gateway_configs (
+    provider VARCHAR(64) PRIMARY KEY,
+    enabled BOOLEAN NOT NULL DEFAULT FALSE,
+    endpoint_url VARCHAR(512) NOT NULL,
+    callback_base_url VARCHAR(512),
+    merchant_id VARCHAR(128) NOT NULL,
+    merchant_key_encrypted TEXT,
+    pay_currency VARCHAR(16) NOT NULL DEFAULT 'CNY',
+    usd_exchange_rate DOUBLE NOT NULL DEFAULT 7.2,
+    min_recharge_usd DOUBLE NOT NULL DEFAULT 1,
+    channels_json TEXT,
+    created_at BIGINT NOT NULL,
+    updated_at BIGINT NOT NULL
+);
+
+CREATE TABLE IF NOT EXISTS billing_plans (
+    id VARCHAR(64) PRIMARY KEY,
+    title VARCHAR(128) NOT NULL,
+    description TEXT,
+    price_amount DOUBLE NOT NULL,
+    price_currency VARCHAR(16) NOT NULL DEFAULT 'CNY',
+    duration_unit VARCHAR(32) NOT NULL,
+    duration_value BIGINT NOT NULL,
+    enabled BOOLEAN NOT NULL DEFAULT TRUE,
+    sort_order BIGINT NOT NULL DEFAULT 0,
+    max_active_per_user BIGINT NOT NULL DEFAULT 1,
+    entitlements_json TEXT NOT NULL,
+    created_at BIGINT NOT NULL,
+    updated_at BIGINT NOT NULL,
+    KEY idx_billing_plans_enabled_sort (enabled, sort_order)
+);
+
+CREATE TABLE IF NOT EXISTS user_plan_entitlements (
+    id VARCHAR(64) PRIMARY KEY,
+    user_id VARCHAR(64) NOT NULL,
+    plan_id VARCHAR(64) NOT NULL,
+    payment_order_id VARCHAR(64) NOT NULL,
+    status VARCHAR(64) NOT NULL DEFAULT 'active',
+    starts_at BIGINT NOT NULL,
+    expires_at BIGINT NOT NULL,
+    entitlements_snapshot TEXT NOT NULL,
+    created_at BIGINT NOT NULL,
+    updated_at BIGINT NOT NULL,
+    KEY idx_user_plan_entitlements_user_active (user_id, status, expires_at),
+    KEY idx_user_plan_entitlements_order (payment_order_id),
+    CONSTRAINT user_plan_entitlements_user_id_fkey FOREIGN KEY (user_id) REFERENCES users(id) ON DELETE CASCADE,
+    CONSTRAINT user_plan_entitlements_plan_id_fkey FOREIGN KEY (plan_id) REFERENCES billing_plans(id) ON DELETE RESTRICT,
+    CONSTRAINT user_plan_entitlements_payment_order_id_fkey FOREIGN KEY (payment_order_id) REFERENCES payment_orders(id) ON DELETE RESTRICT
+);
+
+CREATE TABLE IF NOT EXISTS entitlement_usage_ledgers (
+    id VARCHAR(64) PRIMARY KEY,
+    user_entitlement_id VARCHAR(64) NOT NULL,
+    user_id VARCHAR(64) NOT NULL,
+    request_id VARCHAR(128) NOT NULL,
+    amount_usd DOUBLE NOT NULL,
+    balance_before DOUBLE NOT NULL,
+    balance_after DOUBLE NOT NULL,
+    usage_date VARCHAR(16) NOT NULL,
+    created_at BIGINT NOT NULL,
+    UNIQUE KEY uq_entitlement_usage_request (user_entitlement_id, request_id),
+    KEY idx_entitlement_usage_user_date (user_id, usage_date),
+    CONSTRAINT entitlement_usage_ledgers_entitlement_fkey FOREIGN KEY (user_entitlement_id) REFERENCES user_plan_entitlements(id) ON DELETE CASCADE,
+    CONSTRAINT entitlement_usage_ledgers_user_id_fkey FOREIGN KEY (user_id) REFERENCES users(id) ON DELETE CASCADE
+);

crates/aether-data/migrations/mysql/20260512110000_add_billing_plan_purchase_limit_scope.sql

@@ -0,0 +1,2 @@
+ALTER TABLE billing_plans
+  ADD COLUMN purchase_limit_scope VARCHAR(32) NOT NULL DEFAULT 'active_period';

crates/aether-data/migrations/postgres/20260512090000_add_payment_gateway_plans.sql

@@ -0,0 +1,81 @@
+ALTER TABLE public.payment_orders
+  ADD COLUMN payment_provider character varying(64),
+  ADD COLUMN payment_channel character varying(64),
+  ADD COLUMN order_kind character varying(64) NOT NULL DEFAULT 'wallet_recharge',
+  ADD COLUMN product_id character varying(64),
+  ADD COLUMN product_snapshot jsonb,
+  ADD COLUMN fulfillment_status character varying(64) NOT NULL DEFAULT 'pending',
+  ADD COLUMN fulfillment_error text;
+
+CREATE INDEX IF NOT EXISTS idx_payment_orders_kind_status
+  ON public.payment_orders USING btree (order_kind, status);
+CREATE INDEX IF NOT EXISTS idx_payment_orders_product
+  ON public.payment_orders USING btree (product_id);
+
+CREATE TABLE IF NOT EXISTS public.payment_gateway_configs (
+    provider character varying(64) PRIMARY KEY,
+    enabled boolean NOT NULL DEFAULT false,
+    endpoint_url character varying(512) NOT NULL,
+    callback_base_url character varying(512),
+    merchant_id character varying(128) NOT NULL,
+    merchant_key_encrypted text,
+    pay_currency character varying(16) NOT NULL DEFAULT 'CNY',
+    usd_exchange_rate numeric(18,8) NOT NULL DEFAULT 7.2,
+    min_recharge_usd numeric(20,8) NOT NULL DEFAULT 1,
+    channels_json jsonb,
+    created_at timestamp with time zone NOT NULL,
+    updated_at timestamp with time zone NOT NULL
+);
+
+CREATE TABLE IF NOT EXISTS public.billing_plans (
+    id character varying(64) PRIMARY KEY,
+    title character varying(128) NOT NULL,
+    description text,
+    price_amount numeric(20,8) NOT NULL,
+    price_currency character varying(16) NOT NULL DEFAULT 'CNY',
+    duration_unit character varying(32) NOT NULL,
+    duration_value bigint NOT NULL,
+    enabled boolean NOT NULL DEFAULT true,
+    sort_order bigint NOT NULL DEFAULT 0,
+    max_active_per_user bigint NOT NULL DEFAULT 1,
+    entitlements_json jsonb NOT NULL,
+    created_at timestamp with time zone NOT NULL,
+    updated_at timestamp with time zone NOT NULL
+);
+
+CREATE INDEX IF NOT EXISTS idx_billing_plans_enabled_sort
+  ON public.billing_plans USING btree (enabled, sort_order);
+
+CREATE TABLE IF NOT EXISTS public.user_plan_entitlements (
+    id character varying(64) PRIMARY KEY,
+    user_id character varying(64) NOT NULL REFERENCES public.users(id) ON DELETE CASCADE,
+    plan_id character varying(64) NOT NULL REFERENCES public.billing_plans(id) ON DELETE RESTRICT,
+    payment_order_id character varying(64) NOT NULL REFERENCES public.payment_orders(id) ON DELETE RESTRICT,
+    status character varying(64) NOT NULL DEFAULT 'active',
+    starts_at timestamp with time zone NOT NULL,
+    expires_at timestamp with time zone NOT NULL,
+    entitlements_snapshot jsonb NOT NULL,
+    created_at timestamp with time zone NOT NULL,
+    updated_at timestamp with time zone NOT NULL
+);
+
+CREATE INDEX IF NOT EXISTS idx_user_plan_entitlements_user_active
+  ON public.user_plan_entitlements USING btree (user_id, status, expires_at);
+CREATE INDEX IF NOT EXISTS idx_user_plan_entitlements_order
+  ON public.user_plan_entitlements USING btree (payment_order_id);
+
+CREATE TABLE IF NOT EXISTS public.entitlement_usage_ledgers (
+    id character varying(64) PRIMARY KEY,
+    user_entitlement_id character varying(64) NOT NULL REFERENCES public.user_plan_entitlements(id) ON DELETE CASCADE,
+    user_id character varying(64) NOT NULL REFERENCES public.users(id) ON DELETE CASCADE,
+    request_id character varying(128) NOT NULL,
+    amount_usd numeric(20,8) NOT NULL,
+    balance_before numeric(20,8) NOT NULL,
+    balance_after numeric(20,8) NOT NULL,
+    usage_date character varying(16) NOT NULL,
+    created_at timestamp with time zone NOT NULL,
+    CONSTRAINT uq_entitlement_usage_request UNIQUE (user_entitlement_id, request_id)
+);
+
+CREATE INDEX IF NOT EXISTS idx_entitlement_usage_user_date
+  ON public.entitlement_usage_ledgers USING btree (user_id, usage_date);

crates/aether-data/migrations/postgres/20260512110000_add_billing_plan_purchase_limit_scope.sql

@@ -0,0 +1,2 @@
+ALTER TABLE public.billing_plans
+  ADD COLUMN IF NOT EXISTS purchase_limit_scope character varying(32) NOT NULL DEFAULT 'active_period';

crates/aether-data/migrations/sqlite/20260512090000_add_payment_gateway_plans.sql

@@ -0,0 +1,85 @@
+ALTER TABLE payment_orders ADD COLUMN payment_provider TEXT;
+ALTER TABLE payment_orders ADD COLUMN payment_channel TEXT;
+ALTER TABLE payment_orders ADD COLUMN order_kind TEXT NOT NULL DEFAULT 'wallet_recharge';
+ALTER TABLE payment_orders ADD COLUMN product_id TEXT;
+ALTER TABLE payment_orders ADD COLUMN product_snapshot TEXT;
+ALTER TABLE payment_orders ADD COLUMN fulfillment_status TEXT NOT NULL DEFAULT 'pending';
+ALTER TABLE payment_orders ADD COLUMN fulfillment_error TEXT;
+
+CREATE INDEX IF NOT EXISTS idx_payment_orders_kind_status
+  ON payment_orders (order_kind, status);
+CREATE INDEX IF NOT EXISTS idx_payment_orders_product
+  ON payment_orders (product_id);
+
+CREATE TABLE IF NOT EXISTS payment_gateway_configs (
+    provider TEXT PRIMARY KEY,
+    enabled INTEGER NOT NULL DEFAULT 0,
+    endpoint_url TEXT NOT NULL,
+    callback_base_url TEXT,
+    merchant_id TEXT NOT NULL,
+    merchant_key_encrypted TEXT,
+    pay_currency TEXT NOT NULL DEFAULT 'CNY',
+    usd_exchange_rate REAL NOT NULL DEFAULT 7.2,
+    min_recharge_usd REAL NOT NULL DEFAULT 1,
+    channels_json TEXT,
+    created_at INTEGER NOT NULL,
+    updated_at INTEGER NOT NULL
+);
+
+CREATE TABLE IF NOT EXISTS billing_plans (
+    id TEXT PRIMARY KEY,
+    title TEXT NOT NULL,
+    description TEXT,
+    price_amount REAL NOT NULL,
+    price_currency TEXT NOT NULL DEFAULT 'CNY',
+    duration_unit TEXT NOT NULL,
+    duration_value INTEGER NOT NULL,
+    enabled INTEGER NOT NULL DEFAULT 1,
+    sort_order INTEGER NOT NULL DEFAULT 0,
+    max_active_per_user INTEGER NOT NULL DEFAULT 1,
+    entitlements_json TEXT NOT NULL,
+    created_at INTEGER NOT NULL,
+    updated_at INTEGER NOT NULL
+);
+
+CREATE INDEX IF NOT EXISTS idx_billing_plans_enabled_sort
+  ON billing_plans (enabled, sort_order);
+
+CREATE TABLE IF NOT EXISTS user_plan_entitlements (
+    id TEXT PRIMARY KEY,
+    user_id TEXT NOT NULL,
+    plan_id TEXT NOT NULL,
+    payment_order_id TEXT NOT NULL,
+    status TEXT NOT NULL DEFAULT 'active',
+    starts_at INTEGER NOT NULL,
+    expires_at INTEGER NOT NULL,
+    entitlements_snapshot TEXT NOT NULL,
+    created_at INTEGER NOT NULL,
+    updated_at INTEGER NOT NULL,
+    FOREIGN KEY(user_id) REFERENCES users(id) ON DELETE CASCADE,
+    FOREIGN KEY(plan_id) REFERENCES billing_plans(id) ON DELETE RESTRICT,
+    FOREIGN KEY(payment_order_id) REFERENCES payment_orders(id) ON DELETE RESTRICT
+);
+
+CREATE INDEX IF NOT EXISTS idx_user_plan_entitlements_user_active
+  ON user_plan_entitlements (user_id, status, expires_at);
+CREATE INDEX IF NOT EXISTS idx_user_plan_entitlements_order
+  ON user_plan_entitlements (payment_order_id);
+
+CREATE TABLE IF NOT EXISTS entitlement_usage_ledgers (
+    id TEXT PRIMARY KEY,
+    user_entitlement_id TEXT NOT NULL,
+    user_id TEXT NOT NULL,
+    request_id TEXT NOT NULL,
+    amount_usd REAL NOT NULL,
+    balance_before REAL NOT NULL,
+    balance_after REAL NOT NULL,
+    usage_date TEXT NOT NULL,
+    created_at INTEGER NOT NULL,
+    UNIQUE (user_entitlement_id, request_id),
+    FOREIGN KEY(user_entitlement_id) REFERENCES user_plan_entitlements(id) ON DELETE CASCADE,
+    FOREIGN KEY(user_id) REFERENCES users(id) ON DELETE CASCADE
+);
+
+CREATE INDEX IF NOT EXISTS idx_entitlement_usage_user_date
+  ON entitlement_usage_ledgers (user_id, usage_date);

crates/aether-data/migrations/sqlite/20260512110000_add_billing_plan_purchase_limit_scope.sql

@@ -0,0 +1,2 @@
+ALTER TABLE billing_plans
+  ADD COLUMN purchase_limit_scope TEXT NOT NULL DEFAULT 'active_period';

crates/aether-data/schema/bootstrap/postgres/001_types_and_tables.sql

@@ -458,6 +458,13 @@ CREATE TABLE IF NOT EXISTS public.payment_orders (
     refunded_amount_usd numeric(20,8) DEFAULT '0'::numeric NOT NULL,
     refundable_amount_usd numeric(20,8) DEFAULT '0'::numeric NOT NULL,
     payment_method character varying(30) NOT NULL,
+    payment_provider character varying(64),
+    payment_channel character varying(64),
+    order_kind character varying(64) DEFAULT 'wallet_recharge'::character varying NOT NULL,
+    product_id character varying(64),
+    product_snapshot jsonb,
+    fulfillment_status character varying(64) DEFAULT 'pending'::character varying NOT NULL,
+    fulfillment_error text,
     gateway_order_id character varying(128),
     gateway_response jsonb,
     status character varying(20) DEFAULT 'pending'::character varying NOT NULL,
@@ -469,6 +476,87 @@ CREATE TABLE IF NOT EXISTS public.payment_orders (
 
 
 
+--
+-- Name: payment_gateway_configs; Type: TABLE; Schema: public; Owner: -
+--
+
+CREATE TABLE IF NOT EXISTS public.payment_gateway_configs (
+    provider character varying(64) NOT NULL,
+    enabled boolean DEFAULT false NOT NULL,
+    endpoint_url character varying(512) NOT NULL,
+    callback_base_url character varying(512),
+    merchant_id character varying(128) NOT NULL,
+    merchant_key_encrypted text,
+    pay_currency character varying(16) DEFAULT 'CNY'::character varying NOT NULL,
+    usd_exchange_rate numeric(18,8) DEFAULT 7.2 NOT NULL,
+    min_recharge_usd numeric(20,8) DEFAULT 1 NOT NULL,
+    channels_json jsonb,
+    created_at timestamp with time zone NOT NULL,
+    updated_at timestamp with time zone NOT NULL
+);
+
+
+
+--
+-- Name: billing_plans; Type: TABLE; Schema: public; Owner: -
+--
+
+CREATE TABLE IF NOT EXISTS public.billing_plans (
+    id character varying(64) NOT NULL,
+    title character varying(128) NOT NULL,
+    description text,
+    price_amount numeric(20,8) NOT NULL,
+    price_currency character varying(16) DEFAULT 'CNY'::character varying NOT NULL,
+    duration_unit character varying(32) NOT NULL,
+    duration_value bigint NOT NULL,
+    enabled boolean DEFAULT true NOT NULL,
+    sort_order bigint DEFAULT 0 NOT NULL,
+    max_active_per_user bigint DEFAULT 1 NOT NULL,
+    purchase_limit_scope character varying(32) DEFAULT 'active_period'::character varying NOT NULL,
+    entitlements_json jsonb NOT NULL,
+    created_at timestamp with time zone NOT NULL,
+    updated_at timestamp with time zone NOT NULL
+);
+
+
+
+--
+-- Name: user_plan_entitlements; Type: TABLE; Schema: public; Owner: -
+--
+
+CREATE TABLE IF NOT EXISTS public.user_plan_entitlements (
+    id character varying(64) NOT NULL,
+    user_id character varying(64) NOT NULL,
+    plan_id character varying(64) NOT NULL,
+    payment_order_id character varying(64) NOT NULL,
+    status character varying(64) DEFAULT 'active'::character varying NOT NULL,
+    starts_at timestamp with time zone NOT NULL,
+    expires_at timestamp with time zone NOT NULL,
+    entitlements_snapshot jsonb NOT NULL,
+    created_at timestamp with time zone NOT NULL,
+    updated_at timestamp with time zone NOT NULL
+);
+
+
+
+--
+-- Name: entitlement_usage_ledgers; Type: TABLE; Schema: public; Owner: -
+--
+
+CREATE TABLE IF NOT EXISTS public.entitlement_usage_ledgers (
+    id character varying(64) NOT NULL,
+    user_entitlement_id character varying(64) NOT NULL,
+    user_id character varying(64) NOT NULL,
+    request_id character varying(128) NOT NULL,
+    amount_usd numeric(20,8) NOT NULL,
+    balance_before numeric(20,8) NOT NULL,
+    balance_after numeric(20,8) NOT NULL,
+    usage_date character varying(16) NOT NULL,
+    created_at timestamp with time zone NOT NULL
+);
+
+
+
 --
 -- Name: provider_api_keys; Type: TABLE; Schema: public; Owner: -
 --

crates/aether-data/schema/bootstrap/postgres/003_constraints.sql

@@ -87,6 +87,21 @@ END $mig$;
 
 
 
+--
+-- Name: billing_plans billing_plans_pkey; Type: CONSTRAINT; Schema: public; Owner: -
+--
+
+DO $mig$ BEGIN
+  ALTER TABLE ONLY public.billing_plans
+    ADD CONSTRAINT billing_plans_pkey PRIMARY KEY (id);
+EXCEPTION
+  WHEN duplicate_object THEN NULL;
+  WHEN duplicate_table THEN NULL;
+  WHEN invalid_table_definition THEN NULL;
+END $mig$;
+
+
+
 --
 -- Name: dimension_collectors dimension_collectors_pkey; Type: CONSTRAINT; Schema: public; Owner: -
 --
@@ -222,6 +237,21 @@ END $mig$;
 
 
 
+--
+-- Name: payment_gateway_configs payment_gateway_configs_pkey; Type: CONSTRAINT; Schema: public; Owner: -
+--
+
+DO $mig$ BEGIN
+  ALTER TABLE ONLY public.payment_gateway_configs
+    ADD CONSTRAINT payment_gateway_configs_pkey PRIMARY KEY (provider);
+EXCEPTION
+  WHEN duplicate_object THEN NULL;
+  WHEN duplicate_table THEN NULL;
+  WHEN invalid_table_definition THEN NULL;
+END $mig$;
+
+
+
 --
 -- Name: payment_orders payment_orders_pkey; Type: CONSTRAINT; Schema: public; Owner: -
 --
@@ -237,6 +267,21 @@ END $mig$;
 
 
 
+--
+-- Name: entitlement_usage_ledgers entitlement_usage_ledgers_pkey; Type: CONSTRAINT; Schema: public; Owner: -
+--
+
+DO $mig$ BEGIN
+  ALTER TABLE ONLY public.entitlement_usage_ledgers
+    ADD CONSTRAINT entitlement_usage_ledgers_pkey PRIMARY KEY (id);
+EXCEPTION
+  WHEN duplicate_object THEN NULL;
+  WHEN duplicate_table THEN NULL;
+  WHEN invalid_table_definition THEN NULL;
+END $mig$;
+
+
+
 --
 -- Name: provider_api_keys provider_api_keys_pkey; Type: CONSTRAINT; Schema: public; Owner: -
 --
@@ -597,6 +642,21 @@ END $mig$;
 
 
 
+--
+-- Name: entitlement_usage_ledgers uq_entitlement_usage_request; Type: CONSTRAINT; Schema: public; Owner: -
+--
+
+DO $mig$ BEGIN
+  ALTER TABLE ONLY public.entitlement_usage_ledgers
+    ADD CONSTRAINT uq_entitlement_usage_request UNIQUE (user_entitlement_id, request_id);
+EXCEPTION
+  WHEN duplicate_object THEN NULL;
+  WHEN duplicate_table THEN NULL;
+  WHEN invalid_table_definition THEN NULL;
+END $mig$;
+
+
+
 --
 -- Name: payment_callbacks uq_payment_callbacks_callback_key; Type: CONSTRAINT; Schema: public; Owner: -
 --
@@ -1152,6 +1212,21 @@ END $mig$;
 
 
 
+--
+-- Name: user_plan_entitlements user_plan_entitlements_pkey; Type: CONSTRAINT; Schema: public; Owner: -
+--
+
+DO $mig$ BEGIN
+  ALTER TABLE ONLY public.user_plan_entitlements
+    ADD CONSTRAINT user_plan_entitlements_pkey PRIMARY KEY (id);
+EXCEPTION
+  WHEN duplicate_object THEN NULL;
+  WHEN duplicate_table THEN NULL;
+  WHEN invalid_table_definition THEN NULL;
+END $mig$;
+
+
+
 --
 -- Name: video_tasks video_tasks_pkey; Type: CONSTRAINT; Schema: public; Owner: -
 --

crates/aether-data/schema/bootstrap/postgres/004_indexes.sql

@@ -101,6 +101,22 @@ CREATE INDEX IF NOT EXISTS idx_payment_orders_gateway_order_id ON public.payment
 
 
 
+--
+-- Name: idx_payment_orders_kind_status; Type: INDEX; Schema: public; Owner: -
+--
+
+CREATE INDEX IF NOT EXISTS idx_payment_orders_kind_status ON public.payment_orders USING btree (order_kind, status);
+
+
+
+--
+-- Name: idx_payment_orders_product; Type: INDEX; Schema: public; Owner: -
+--
+
+CREATE INDEX IF NOT EXISTS idx_payment_orders_product ON public.payment_orders USING btree (product_id);
+
+
+
 --
 -- Name: idx_payment_orders_status; Type: INDEX; Schema: public; Owner: -
 --
@@ -125,6 +141,38 @@ CREATE INDEX IF NOT EXISTS idx_payment_orders_wallet_created ON public.payment_o
 
 
 
+--
+-- Name: idx_billing_plans_enabled_sort; Type: INDEX; Schema: public; Owner: -
+--
+
+CREATE INDEX IF NOT EXISTS idx_billing_plans_enabled_sort ON public.billing_plans USING btree (enabled, sort_order);
+
+
+
+--
+-- Name: idx_user_plan_entitlements_user_active; Type: INDEX; Schema: public; Owner: -
+--
+
+CREATE INDEX IF NOT EXISTS idx_user_plan_entitlements_user_active ON public.user_plan_entitlements USING btree (user_id, status, expires_at);
+
+
+
+--
+-- Name: idx_user_plan_entitlements_order; Type: INDEX; Schema: public; Owner: -
+--
+
+CREATE INDEX IF NOT EXISTS idx_user_plan_entitlements_order ON public.user_plan_entitlements USING btree (payment_order_id);
+
+
+
+--
+-- Name: idx_entitlement_usage_user_date; Type: INDEX; Schema: public; Owner: -
+--
+
+CREATE INDEX IF NOT EXISTS idx_entitlement_usage_user_date ON public.entitlement_usage_ledgers USING btree (user_id, usage_date);
+
+
+
 --
 -- Name: idx_provider_api_keys_provider_active; Type: INDEX; Schema: public; Owner: -
 --

crates/aether-data/schema/bootstrap/postgres/005_foreign_keys.sql

@@ -267,6 +267,81 @@ END $mig$;
 
 
 
+--
+-- Name: user_plan_entitlements user_plan_entitlements_user_id_fkey; Type: FK CONSTRAINT; Schema: public; Owner: -
+--
+
+DO $mig$ BEGIN
+  ALTER TABLE ONLY public.user_plan_entitlements
+    ADD CONSTRAINT user_plan_entitlements_user_id_fkey FOREIGN KEY (user_id) REFERENCES public.users(id) ON DELETE CASCADE;
+EXCEPTION
+  WHEN duplicate_object THEN NULL;
+  WHEN duplicate_table THEN NULL;
+  WHEN invalid_table_definition THEN NULL;
+END $mig$;
+
+
+
+--
+-- Name: user_plan_entitlements user_plan_entitlements_plan_id_fkey; Type: FK CONSTRAINT; Schema: public; Owner: -
+--
+
+DO $mig$ BEGIN
+  ALTER TABLE ONLY public.user_plan_entitlements
+    ADD CONSTRAINT user_plan_entitlements_plan_id_fkey FOREIGN KEY (plan_id) REFERENCES public.billing_plans(id) ON DELETE RESTRICT;
+EXCEPTION
+  WHEN duplicate_object THEN NULL;
+  WHEN duplicate_table THEN NULL;
+  WHEN invalid_table_definition THEN NULL;
+END $mig$;
+
+
+
+--
+-- Name: user_plan_entitlements user_plan_entitlements_payment_order_id_fkey; Type: FK CONSTRAINT; Schema: public; Owner: -
+--
+
+DO $mig$ BEGIN
+  ALTER TABLE ONLY public.user_plan_entitlements
+    ADD CONSTRAINT user_plan_entitlements_payment_order_id_fkey FOREIGN KEY (payment_order_id) REFERENCES public.payment_orders(id) ON DELETE RESTRICT;
+EXCEPTION
+  WHEN duplicate_object THEN NULL;
+  WHEN duplicate_table THEN NULL;
+  WHEN invalid_table_definition THEN NULL;
+END $mig$;
+
+
+
+--
+-- Name: entitlement_usage_ledgers entitlement_usage_ledgers_user_entitlement_id_fkey; Type: FK CONSTRAINT; Schema: public; Owner: -
+--
+
+DO $mig$ BEGIN
+  ALTER TABLE ONLY public.entitlement_usage_ledgers
+    ADD CONSTRAINT entitlement_usage_ledgers_user_entitlement_id_fkey FOREIGN KEY (user_entitlement_id) REFERENCES public.user_plan_entitlements(id) ON DELETE CASCADE;
+EXCEPTION
+  WHEN duplicate_object THEN NULL;
+  WHEN duplicate_table THEN NULL;
+  WHEN invalid_table_definition THEN NULL;
+END $mig$;
+
+
+
+--
+-- Name: entitlement_usage_ledgers entitlement_usage_ledgers_user_id_fkey; Type: FK CONSTRAINT; Schema: public; Owner: -
+--
+
+DO $mig$ BEGIN
+  ALTER TABLE ONLY public.entitlement_usage_ledgers
+    ADD CONSTRAINT entitlement_usage_ledgers_user_id_fkey FOREIGN KEY (user_id) REFERENCES public.users(id) ON DELETE CASCADE;
+EXCEPTION
+  WHEN duplicate_object THEN NULL;
+  WHEN duplicate_table THEN NULL;
+  WHEN invalid_table_definition THEN NULL;
+END $mig$;
+
+
+
 --
 -- Name: provider_endpoints provider_endpoints_provider_id_fkey; Type: FK CONSTRAINT; Schema: public; Owner: -
 --

crates/aether-data/schema/generated/mysql/baseline/005_wallet_billing.sql

@@ -80,6 +80,13 @@ CREATE TABLE IF NOT EXISTS payment_orders (
     `refunded_amount_usd` DOUBLE NOT NULL DEFAULT 0,
     `refundable_amount_usd` DOUBLE NOT NULL DEFAULT 0,
     `payment_method` VARCHAR(64) NOT NULL,
+    `payment_provider` VARCHAR(64),
+    `payment_channel` VARCHAR(64),
+    `order_kind` VARCHAR(64) NOT NULL DEFAULT 'wallet_recharge',
+    `product_id` VARCHAR(64),
+    `product_snapshot` JSON,
+    `fulfillment_status` VARCHAR(64) NOT NULL DEFAULT 'pending',
+    `fulfillment_error` LONGTEXT,
     `gateway_order_id` VARCHAR(128),
     `gateway_response` JSON,
     `status` VARCHAR(64) NOT NULL DEFAULT 'pending',
@@ -92,7 +99,25 @@ CREATE TABLE IF NOT EXISTS payment_orders (
     KEY idx_payment_orders_wallet_created (`wallet_id`, `created_at`),
     KEY idx_payment_orders_user_created (`user_id`, `created_at`),
     KEY idx_payment_orders_status (`status`),
-    KEY idx_payment_orders_gateway_order_id (`gateway_order_id`)
+    KEY idx_payment_orders_gateway_order_id (`gateway_order_id`),
+    KEY idx_payment_orders_kind_status (`order_kind`, `status`),
+    KEY idx_payment_orders_product (`product_id`)
+);
+
+CREATE TABLE IF NOT EXISTS payment_gateway_configs (
+    `provider` VARCHAR(64) NOT NULL,
+    `enabled` TINYINT(1) NOT NULL DEFAULT 0,
+    `endpoint_url` VARCHAR(512) NOT NULL,
+    `callback_base_url` VARCHAR(512),
+    `merchant_id` VARCHAR(128) NOT NULL,
+    `merchant_key_encrypted` LONGTEXT,
+    `pay_currency` VARCHAR(16) NOT NULL DEFAULT 'CNY',
+    `usd_exchange_rate` DOUBLE NOT NULL DEFAULT 7.2,
+    `min_recharge_usd` DOUBLE NOT NULL DEFAULT 1,
+    `channels_json` JSON,
+    `created_at` BIGINT NOT NULL,
+    `updated_at` BIGINT NOT NULL,
+    PRIMARY KEY (`provider`)
 );
 
 CREATE TABLE IF NOT EXISTS payment_callbacks (
@@ -117,6 +142,56 @@ CREATE TABLE IF NOT EXISTS payment_callbacks (
     KEY ix_payment_callbacks_payment_order_id (`payment_order_id`)
 );
 
+CREATE TABLE IF NOT EXISTS billing_plans (
+    `id` VARCHAR(64) NOT NULL,
+    `title` VARCHAR(128) NOT NULL,
+    `description` LONGTEXT,
+    `price_amount` DOUBLE NOT NULL,
+    `price_currency` VARCHAR(16) NOT NULL DEFAULT 'CNY',
+    `duration_unit` VARCHAR(32) NOT NULL,
+    `duration_value` BIGINT NOT NULL,
+    `enabled` TINYINT(1) NOT NULL DEFAULT 1,
+    `sort_order` BIGINT NOT NULL DEFAULT 0,
+    `max_active_per_user` BIGINT NOT NULL DEFAULT 1,
+    `purchase_limit_scope` VARCHAR(32) NOT NULL DEFAULT 'active_period',
+    `entitlements_json` JSON NOT NULL,
+    `created_at` BIGINT NOT NULL,
+    `updated_at` BIGINT NOT NULL,
+    PRIMARY KEY (`id`),
+    KEY idx_billing_plans_enabled_sort (`enabled`, `sort_order`)
+);
+
+CREATE TABLE IF NOT EXISTS user_plan_entitlements (
+    `id` VARCHAR(64) NOT NULL,
+    `user_id` VARCHAR(64) NOT NULL,
+    `plan_id` VARCHAR(64) NOT NULL,
+    `payment_order_id` VARCHAR(64) NOT NULL,
+    `status` VARCHAR(64) NOT NULL DEFAULT 'active',
+    `starts_at` BIGINT NOT NULL,
+    `expires_at` BIGINT NOT NULL,
+    `entitlements_snapshot` JSON NOT NULL,
+    `created_at` BIGINT NOT NULL,
+    `updated_at` BIGINT NOT NULL,
+    PRIMARY KEY (`id`),
+    KEY idx_user_plan_entitlements_user_active (`user_id`, `status`, `expires_at`),
+    KEY idx_user_plan_entitlements_order (`payment_order_id`)
+);
+
+CREATE TABLE IF NOT EXISTS entitlement_usage_ledgers (
+    `id` VARCHAR(64) NOT NULL,
+    `user_entitlement_id` VARCHAR(64) NOT NULL,
+    `user_id` VARCHAR(64) NOT NULL,
+    `request_id` VARCHAR(128) NOT NULL,
+    `amount_usd` DOUBLE NOT NULL,
+    `balance_before` DOUBLE NOT NULL,
+    `balance_after` DOUBLE NOT NULL,
+    `usage_date` VARCHAR(16) NOT NULL,
+    `created_at` BIGINT NOT NULL,
+    PRIMARY KEY (`id`),
+    UNIQUE KEY uq_entitlement_usage_request (`user_entitlement_id`, `request_id`),
+    KEY idx_entitlement_usage_user_date (`user_id`, `usage_date`)
+);
+
 CREATE TABLE IF NOT EXISTS refund_requests (
     `id` VARCHAR(64) NOT NULL,
     `refund_no` VARCHAR(128) NOT NULL,

crates/aether-data/schema/generated/postgres/baseline/005_wallet_billing.sql

@@ -83,6 +83,13 @@ CREATE TABLE IF NOT EXISTS public.payment_orders (
     refunded_amount_usd double precision DEFAULT 0 NOT NULL,
     refundable_amount_usd double precision DEFAULT 0 NOT NULL,
     payment_method character varying(64) NOT NULL,
+    payment_provider character varying(64),
+    payment_channel character varying(64),
+    order_kind character varying(64) DEFAULT 'wallet_recharge' NOT NULL,
+    product_id character varying(64),
+    product_snapshot jsonb,
+    fulfillment_status character varying(64) DEFAULT 'pending' NOT NULL,
+    fulfillment_error text,
     gateway_order_id character varying(128),
     gateway_response jsonb,
     status character varying(64) DEFAULT 'pending' NOT NULL,
@@ -98,6 +105,25 @@ CREATE INDEX IF NOT EXISTS idx_payment_orders_wallet_created ON public.payment_o
 CREATE INDEX IF NOT EXISTS idx_payment_orders_user_created ON public.payment_orders USING btree (user_id, created_at);
 CREATE INDEX IF NOT EXISTS idx_payment_orders_status ON public.payment_orders USING btree (status);
 CREATE INDEX IF NOT EXISTS idx_payment_orders_gateway_order_id ON public.payment_orders USING btree (gateway_order_id);
+CREATE INDEX IF NOT EXISTS idx_payment_orders_kind_status ON public.payment_orders USING btree (order_kind, status);
+CREATE INDEX IF NOT EXISTS idx_payment_orders_product ON public.payment_orders USING btree (product_id);
+
+CREATE TABLE IF NOT EXISTS public.payment_gateway_configs (
+    provider character varying(64) NOT NULL,
+    enabled boolean DEFAULT false NOT NULL,
+    endpoint_url character varying(512) NOT NULL,
+    callback_base_url character varying(512),
+    merchant_id character varying(128) NOT NULL,
+    merchant_key_encrypted text,
+    pay_currency character varying(16) DEFAULT 'CNY' NOT NULL,
+    usd_exchange_rate double precision DEFAULT 7.2 NOT NULL,
+    min_recharge_usd double precision DEFAULT 1 NOT NULL,
+    channels_json jsonb,
+    created_at bigint NOT NULL,
+    updated_at bigint NOT NULL
+);
+
+ALTER TABLE ONLY public.payment_gateway_configs ADD CONSTRAINT payment_gateway_configs_pkey PRIMARY KEY (provider);
 
 CREATE TABLE IF NOT EXISTS public.payment_callbacks (
     id character varying(64) NOT NULL,
@@ -122,6 +148,59 @@ CREATE INDEX IF NOT EXISTS idx_payment_callbacks_gateway_order ON public.payment
 CREATE INDEX IF NOT EXISTS idx_payment_callbacks_created ON public.payment_callbacks USING btree (created_at);
 CREATE INDEX IF NOT EXISTS ix_payment_callbacks_payment_order_id ON public.payment_callbacks USING btree (payment_order_id);
 
+CREATE TABLE IF NOT EXISTS public.billing_plans (
+    id character varying(64) NOT NULL,
+    title character varying(128) NOT NULL,
+    description text,
+    price_amount double precision NOT NULL,
+    price_currency character varying(16) DEFAULT 'CNY' NOT NULL,
+    duration_unit character varying(32) NOT NULL,
+    duration_value bigint NOT NULL,
+    enabled boolean DEFAULT true NOT NULL,
+    sort_order bigint DEFAULT 0 NOT NULL,
+    max_active_per_user bigint DEFAULT 1 NOT NULL,
+    purchase_limit_scope character varying(32) DEFAULT 'active_period' NOT NULL,
+    entitlements_json jsonb NOT NULL,
+    created_at bigint NOT NULL,
+    updated_at bigint NOT NULL
+);
+
+ALTER TABLE ONLY public.billing_plans ADD CONSTRAINT billing_plans_pkey PRIMARY KEY (id);
+CREATE INDEX IF NOT EXISTS idx_billing_plans_enabled_sort ON public.billing_plans USING btree (enabled, sort_order);
+
+CREATE TABLE IF NOT EXISTS public.user_plan_entitlements (
+    id character varying(64) NOT NULL,
+    user_id character varying(64) NOT NULL,
+    plan_id character varying(64) NOT NULL,
+    payment_order_id character varying(64) NOT NULL,
+    status character varying(64) DEFAULT 'active' NOT NULL,
+    starts_at bigint NOT NULL,
+    expires_at bigint NOT NULL,
+    entitlements_snapshot jsonb NOT NULL,
+    created_at bigint NOT NULL,
+    updated_at bigint NOT NULL
+);
+
+ALTER TABLE ONLY public.user_plan_entitlements ADD CONSTRAINT user_plan_entitlements_pkey PRIMARY KEY (id);
+CREATE INDEX IF NOT EXISTS idx_user_plan_entitlements_user_active ON public.user_plan_entitlements USING btree (user_id, status, expires_at);
+CREATE INDEX IF NOT EXISTS idx_user_plan_entitlements_order ON public.user_plan_entitlements USING btree (payment_order_id);
+
+CREATE TABLE IF NOT EXISTS public.entitlement_usage_ledgers (
+    id character varying(64) NOT NULL,
+    user_entitlement_id character varying(64) NOT NULL,
+    user_id character varying(64) NOT NULL,
+    request_id character varying(128) NOT NULL,
+    amount_usd double precision NOT NULL,
+    balance_before double precision NOT NULL,
+    balance_after double precision NOT NULL,
+    usage_date character varying(16) NOT NULL,
+    created_at bigint NOT NULL
+);
+
+ALTER TABLE ONLY public.entitlement_usage_ledgers ADD CONSTRAINT entitlement_usage_ledgers_pkey PRIMARY KEY (id);
+ALTER TABLE ONLY public.entitlement_usage_ledgers ADD CONSTRAINT uq_entitlement_usage_request UNIQUE (user_entitlement_id, request_id);
+CREATE INDEX IF NOT EXISTS idx_entitlement_usage_user_date ON public.entitlement_usage_ledgers USING btree (user_id, usage_date);
+
 CREATE TABLE IF NOT EXISTS public.refund_requests (
     id character varying(64) NOT NULL,
     refund_no character varying(128) NOT NULL,

crates/aether-data/schema/generated/sqlite/baseline/005_wallet_billing.sql

@@ -77,6 +77,13 @@ CREATE TABLE IF NOT EXISTS payment_orders (
     refunded_amount_usd REAL NOT NULL DEFAULT 0,
     refundable_amount_usd REAL NOT NULL DEFAULT 0,
     payment_method TEXT NOT NULL,
+    payment_provider TEXT,
+    payment_channel TEXT,
+    order_kind TEXT NOT NULL DEFAULT 'wallet_recharge',
+    product_id TEXT,
+    product_snapshot TEXT,
+    fulfillment_status TEXT NOT NULL DEFAULT 'pending',
+    fulfillment_error TEXT,
     gateway_order_id TEXT,
     gateway_response TEXT,
     status TEXT NOT NULL DEFAULT 'pending',
@@ -90,6 +97,23 @@ CREATE INDEX IF NOT EXISTS idx_payment_orders_wallet_created ON payment_orders (
 CREATE INDEX IF NOT EXISTS idx_payment_orders_user_created ON payment_orders (user_id, created_at);
 CREATE INDEX IF NOT EXISTS idx_payment_orders_status ON payment_orders (status);
 CREATE INDEX IF NOT EXISTS idx_payment_orders_gateway_order_id ON payment_orders (gateway_order_id);
+CREATE INDEX IF NOT EXISTS idx_payment_orders_kind_status ON payment_orders (order_kind, status);
+CREATE INDEX IF NOT EXISTS idx_payment_orders_product ON payment_orders (product_id);
+
+CREATE TABLE IF NOT EXISTS payment_gateway_configs (
+    provider TEXT PRIMARY KEY NOT NULL,
+    enabled INTEGER NOT NULL DEFAULT 0,
+    endpoint_url TEXT NOT NULL,
+    callback_base_url TEXT,
+    merchant_id TEXT NOT NULL,
+    merchant_key_encrypted TEXT,
+    pay_currency TEXT NOT NULL DEFAULT 'CNY',
+    usd_exchange_rate REAL NOT NULL DEFAULT 7.2,
+    min_recharge_usd REAL NOT NULL DEFAULT 1,
+    channels_json TEXT,
+    created_at INTEGER NOT NULL,
+    updated_at INTEGER NOT NULL
+);
 
 CREATE TABLE IF NOT EXISTS payment_callbacks (
     id TEXT PRIMARY KEY NOT NULL,
@@ -112,6 +136,53 @@ CREATE INDEX IF NOT EXISTS idx_payment_callbacks_gateway_order ON payment_callba
 CREATE INDEX IF NOT EXISTS idx_payment_callbacks_created ON payment_callbacks (created_at);
 CREATE INDEX IF NOT EXISTS ix_payment_callbacks_payment_order_id ON payment_callbacks (payment_order_id);
 
+CREATE TABLE IF NOT EXISTS billing_plans (
+    id TEXT PRIMARY KEY NOT NULL,
+    title TEXT NOT NULL,
+    description TEXT,
+    price_amount REAL NOT NULL,
+    price_currency TEXT NOT NULL DEFAULT 'CNY',
+    duration_unit TEXT NOT NULL,
+    duration_value INTEGER NOT NULL,
+    enabled INTEGER NOT NULL DEFAULT 1,
+    sort_order INTEGER NOT NULL DEFAULT 0,
+    max_active_per_user INTEGER NOT NULL DEFAULT 1,
+    purchase_limit_scope TEXT NOT NULL DEFAULT 'active_period',
+    entitlements_json TEXT NOT NULL,
+    created_at INTEGER NOT NULL,
+    updated_at INTEGER NOT NULL
+);
+CREATE INDEX IF NOT EXISTS idx_billing_plans_enabled_sort ON billing_plans (enabled, sort_order);
+
+CREATE TABLE IF NOT EXISTS user_plan_entitlements (
+    id TEXT PRIMARY KEY NOT NULL,
+    user_id TEXT NOT NULL,
+    plan_id TEXT NOT NULL,
+    payment_order_id TEXT NOT NULL,
+    status TEXT NOT NULL DEFAULT 'active',
+    starts_at INTEGER NOT NULL,
+    expires_at INTEGER NOT NULL,
+    entitlements_snapshot TEXT NOT NULL,
+    created_at INTEGER NOT NULL,
+    updated_at INTEGER NOT NULL
+);
+CREATE INDEX IF NOT EXISTS idx_user_plan_entitlements_user_active ON user_plan_entitlements (user_id, status, expires_at);
+CREATE INDEX IF NOT EXISTS idx_user_plan_entitlements_order ON user_plan_entitlements (payment_order_id);
+
+CREATE TABLE IF NOT EXISTS entitlement_usage_ledgers (
+    id TEXT PRIMARY KEY NOT NULL,
+    user_entitlement_id TEXT NOT NULL,
+    user_id TEXT NOT NULL,
+    request_id TEXT NOT NULL,
+    amount_usd REAL NOT NULL,
+    balance_before REAL NOT NULL,
+    balance_after REAL NOT NULL,
+    usage_date TEXT NOT NULL,
+    created_at INTEGER NOT NULL,
+    UNIQUE (user_entitlement_id, request_id)
+);
+CREATE INDEX IF NOT EXISTS idx_entitlement_usage_user_date ON entitlement_usage_ledgers (user_id, usage_date);
+
 CREATE TABLE IF NOT EXISTS refund_requests (
     id TEXT PRIMARY KEY NOT NULL,
     refund_no TEXT NOT NULL,

crates/aether-data/schema/logical/005_wallet_billing.toml

@@ -334,6 +334,46 @@ name = "payment_method"
 type = "text"
 length = 64
 
+[[table.payment_orders.columns]]
+name = "payment_provider"
+type = "text"
+length = 64
+nullable = true
+
+[[table.payment_orders.columns]]
+name = "payment_channel"
+type = "text"
+length = 64
+nullable = true
+
+[[table.payment_orders.columns]]
+name = "order_kind"
+type = "text"
+length = 64
+default = "wallet_recharge"
+
+[[table.payment_orders.columns]]
+name = "product_id"
+type = "text_id"
+length = 64
+nullable = true
+
+[[table.payment_orders.columns]]
+name = "product_snapshot"
+type = "json"
+nullable = true
+
+[[table.payment_orders.columns]]
+name = "fulfillment_status"
+type = "text"
+length = 64
+default = "pending"
+
+[[table.payment_orders.columns]]
+name = "fulfillment_error"
+type = "long_text"
+nullable = true
+
 [[table.payment_orders.columns]]
 name = "gateway_order_id"
 type = "text"
@@ -390,6 +430,79 @@ columns = ["status"]
 name = "idx_payment_orders_gateway_order_id"
 columns = ["gateway_order_id"]
 
+[[table.payment_orders.indexes]]
+name = "idx_payment_orders_kind_status"
+columns = ["order_kind", "status"]
+
+[[table.payment_orders.indexes]]
+name = "idx_payment_orders_product"
+columns = ["product_id"]
+
+[table.payment_gateway_configs]
+domain = "wallet_billing"
+order = 45
+primary_key = ["provider"]
+
+[[table.payment_gateway_configs.columns]]
+name = "provider"
+type = "text"
+length = 64
+
+[[table.payment_gateway_configs.columns]]
+name = "enabled"
+type = "bool"
+default = false
+
+[[table.payment_gateway_configs.columns]]
+name = "endpoint_url"
+type = "text"
+length = 512
+
+[[table.payment_gateway_configs.columns]]
+name = "callback_base_url"
+type = "text"
+length = 512
+nullable = true
+
+[[table.payment_gateway_configs.columns]]
+name = "merchant_id"
+type = "text"
+length = 128
+
+[[table.payment_gateway_configs.columns]]
+name = "merchant_key_encrypted"
+type = "long_text"
+nullable = true
+
+[[table.payment_gateway_configs.columns]]
+name = "pay_currency"
+type = "text"
+length = 16
+default = "CNY"
+
+[[table.payment_gateway_configs.columns]]
+name = "usd_exchange_rate"
+type = "float64"
+default = { raw = "7.2" }
+
+[[table.payment_gateway_configs.columns]]
+name = "min_recharge_usd"
+type = "float64"
+default = 1
+
+[[table.payment_gateway_configs.columns]]
+name = "channels_json"
+type = "json"
+nullable = true
+
+[[table.payment_gateway_configs.columns]]
+name = "created_at"
+type = "unix_seconds"
+
+[[table.payment_gateway_configs.columns]]
+name = "updated_at"
+type = "unix_seconds"
+
 [table.payment_callbacks]
 domain = "wallet_billing"
 order = 50
@@ -468,6 +581,195 @@ nullable = true
 name = "uq_payment_callbacks_callback_key"
 columns = ["callback_key"]
 
+[table.billing_plans]
+domain = "wallet_billing"
+order = 55
+primary_key = ["id"]
+
+[[table.billing_plans.columns]]
+name = "id"
+type = "text_id"
+length = 64
+
+[[table.billing_plans.columns]]
+name = "title"
+type = "text"
+length = 128
+
+[[table.billing_plans.columns]]
+name = "description"
+type = "long_text"
+nullable = true
+
+[[table.billing_plans.columns]]
+name = "price_amount"
+type = "float64"
+
+[[table.billing_plans.columns]]
+name = "price_currency"
+type = "text"
+length = 16
+default = "CNY"
+
+[[table.billing_plans.columns]]
+name = "duration_unit"
+type = "text"
+length = 32
+
+[[table.billing_plans.columns]]
+name = "duration_value"
+type = "int64"
+
+[[table.billing_plans.columns]]
+name = "enabled"
+type = "bool"
+default = true
+
+[[table.billing_plans.columns]]
+name = "sort_order"
+type = "int64"
+default = 0
+
+[[table.billing_plans.columns]]
+name = "max_active_per_user"
+type = "int64"
+default = 1
+
+[[table.billing_plans.columns]]
+name = "purchase_limit_scope"
+type = "text"
+length = 32
+default = "active_period"
+
+[[table.billing_plans.columns]]
+name = "entitlements_json"
+type = "json"
+
+[[table.billing_plans.columns]]
+name = "created_at"
+type = "unix_seconds"
+
+[[table.billing_plans.columns]]
+name = "updated_at"
+type = "unix_seconds"
+
+[[table.billing_plans.indexes]]
+name = "idx_billing_plans_enabled_sort"
+columns = ["enabled", "sort_order"]
+
+[table.user_plan_entitlements]
+domain = "wallet_billing"
+order = 56
+primary_key = ["id"]
+
+[[table.user_plan_entitlements.columns]]
+name = "id"
+type = "text_id"
+length = 64
+
+[[table.user_plan_entitlements.columns]]
+name = "user_id"
+type = "text_id"
+length = 64
+
+[[table.user_plan_entitlements.columns]]
+name = "plan_id"
+type = "text_id"
+length = 64
+
+[[table.user_plan_entitlements.columns]]
+name = "payment_order_id"
+type = "text_id"
+length = 64
+
+[[table.user_plan_entitlements.columns]]
+name = "status"
+type = "text"
+length = 64
+default = "active"
+
+[[table.user_plan_entitlements.columns]]
+name = "starts_at"
+type = "unix_seconds"
+
+[[table.user_plan_entitlements.columns]]
+name = "expires_at"
+type = "unix_seconds"
+
+[[table.user_plan_entitlements.columns]]
+name = "entitlements_snapshot"
+type = "json"
+
+[[table.user_plan_entitlements.columns]]
+name = "created_at"
+type = "unix_seconds"
+
+[[table.user_plan_entitlements.columns]]
+name = "updated_at"
+type = "unix_seconds"
+
+[[table.user_plan_entitlements.indexes]]
+name = "idx_user_plan_entitlements_user_active"
+columns = ["user_id", "status", "expires_at"]
+
+[[table.user_plan_entitlements.indexes]]
+name = "idx_user_plan_entitlements_order"
+columns = ["payment_order_id"]
+
+[table.entitlement_usage_ledgers]
+domain = "wallet_billing"
+order = 57
+primary_key = ["id"]
+
+[[table.entitlement_usage_ledgers.columns]]
+name = "id"
+type = "text_id"
+length = 64
+
+[[table.entitlement_usage_ledgers.columns]]
+name = "user_entitlement_id"
+type = "text_id"
+length = 64
+
+[[table.entitlement_usage_ledgers.columns]]
+name = "user_id"
+type = "text_id"
+length = 64
+
+[[table.entitlement_usage_ledgers.columns]]
+name = "request_id"
+type = "text"
+length = 128
+
+[[table.entitlement_usage_ledgers.columns]]
+name = "amount_usd"
+type = "float64"
+
+[[table.entitlement_usage_ledgers.columns]]
+name = "balance_before"
+type = "float64"
+
+[[table.entitlement_usage_ledgers.columns]]
+name = "balance_after"
+type = "float64"
+
+[[table.entitlement_usage_ledgers.columns]]
+name = "usage_date"
+type = "text"
+length = 16
+
+[[table.entitlement_usage_ledgers.columns]]
+name = "created_at"
+type = "unix_seconds"
+
+[[table.entitlement_usage_ledgers.uniques]]
+name = "uq_entitlement_usage_request"
+columns = ["user_entitlement_id", "request_id"]
+
+[[table.entitlement_usage_ledgers.indexes]]
+name = "idx_entitlement_usage_user_date"
+columns = ["user_id", "usage_date"]
+
 [[table.payment_callbacks.indexes]]
 name = "idx_payment_callbacks_order"
 columns = ["order_no"]

crates/aether-data/src/lifecycle/bootstrap/postgres.rs

@@ -7,7 +7,7 @@ use tracing::info;
 // Generated by build.rs from schema/bootstrap/postgres.
 pub(crate) static EMPTY_DATABASE_SNAPSHOT_SQL: &str =
     include_str!(concat!(env!("OUT_DIR"), "/empty_database_snapshot.sql"));
-pub(crate) const EMPTY_DATABASE_SNAPSHOT_CUTOFF_VERSION: i64 = 20260511120000;
+pub(crate) const EMPTY_DATABASE_SNAPSHOT_CUTOFF_VERSION: i64 = 20260512110000;
 
 const PUBLIC_BASE_TABLE_COUNT_SQL: &str = r#"
 SELECT COUNT(*)::BIGINT

crates/aether-data/src/lifecycle/migrate/tests.rs

@@ -300,6 +300,8 @@ fn empty_database_snapshot_covers_current_cutoff_versions() {
             20260510120000,
             20260511000000,
             20260511120000,
+            20260512090000,
+            20260512110000,
         ]
     );
 }
@@ -372,6 +374,18 @@ fn empty_database_snapshot_sql_includes_usage_body_blobs() {
         ));
 }
 
+#[test]
+fn empty_database_snapshot_sql_includes_payment_gateway_and_plans() {
+    assert!(EMPTY_DATABASE_SNAPSHOT_SQL.contains("payment_provider character varying(64)"));
+    assert!(EMPTY_DATABASE_SNAPSHOT_SQL
+        .contains("CREATE TABLE IF NOT EXISTS public.payment_gateway_configs"));
+    assert!(EMPTY_DATABASE_SNAPSHOT_SQL.contains("CREATE TABLE IF NOT EXISTS public.billing_plans"));
+    assert!(EMPTY_DATABASE_SNAPSHOT_SQL
+        .contains("purchase_limit_scope character varying(32) DEFAULT 'active_period'"));
+    assert!(EMPTY_DATABASE_SNAPSHOT_SQL
+        .contains("CREATE TABLE IF NOT EXISTS public.user_plan_entitlements"));
+}
+
 #[test]
 fn provider_api_keys_api_formats_remains_nullable_in_baselines() {
     let baseline_migration = POSTGRES_MIGRATOR
@@ -564,7 +578,9 @@ fn mysql_and_sqlite_migrations_include_enabled_incrementals() {
             20260509000000,
             20260509120000,
             20260510120000,
-            20260511120000
+            20260511120000,
+            20260512090000,
+            20260512110000
         ]
     );
     assert_eq!(
@@ -576,7 +592,9 @@ fn mysql_and_sqlite_migrations_include_enabled_incrementals() {
             20260509000000,
             20260509120000,
             20260510120000,
-            20260511120000
+            20260511120000,
+            20260512090000,
+            20260512110000
         ]
     );
 }
@@ -1088,6 +1106,8 @@ fn pending_migrations_from_applied_skips_versions_already_applied() {
             20260510120000,
             20260511000000,
             20260511120000,
+            20260512090000,
+            20260512110000,
         ]
     );
 }

crates/aether-data/src/repository/billing/memory.rs

@@ -3,7 +3,11 @@ use std::sync::RwLock;
 
 use async_trait::async_trait;
 
-use super::{BillingReadRepository, StoredBillingModelContext};
+use super::{
+    AdminBillingMutationOutcome, BillingPlanRecord, BillingPlanWriteInput, BillingReadRepository,
+    PaymentGatewayConfigRecord, PaymentGatewayConfigWriteInput, StoredBillingModelContext,
+    UserDailyQuotaAvailabilityRecord, UserPlanEntitlementRecord,
+};
 use crate::DataLayerError;
 
 type BillingContextKey = (String, String, Option<String>);
@@ -12,6 +16,9 @@ type BillingContextMap = BTreeMap<BillingContextKey, StoredBillingModelContext>;
 #[derive(Debug, Default)]
 pub struct InMemoryBillingReadRepository {
     by_key: RwLock<BillingContextMap>,
+    gateway_configs_by_provider: RwLock<BTreeMap<String, PaymentGatewayConfigRecord>>,
+    billing_plans_by_id: RwLock<BTreeMap<String, BillingPlanRecord>>,
+    entitlements_by_id: RwLock<BTreeMap<String, UserPlanEntitlementRecord>>,
 }
 
 impl InMemoryBillingReadRepository {
@@ -32,10 +39,88 @@ impl InMemoryBillingReadRepository {
         }
         Self {
             by_key: RwLock::new(by_key),
+            gateway_configs_by_provider: RwLock::new(BTreeMap::new()),
+            billing_plans_by_id: RwLock::new(BTreeMap::new()),
+            entitlements_by_id: RwLock::new(BTreeMap::new()),
         }
     }
 }
 
+fn current_unix_secs() -> u64 {
+    chrono::Utc::now().timestamp().max(0) as u64
+}
+
+fn billing_plan_from_input(
+    id: String,
+    input: &BillingPlanWriteInput,
+    created_at: u64,
+) -> BillingPlanRecord {
+    BillingPlanRecord {
+        id,
+        title: input.title.clone(),
+        description: input.description.clone(),
+        price_amount: input.price_amount,
+        price_currency: input.price_currency.clone(),
+        duration_unit: input.duration_unit.clone(),
+        duration_value: input.duration_value,
+        enabled: input.enabled,
+        sort_order: input.sort_order,
+        max_active_per_user: input.max_active_per_user,
+        purchase_limit_scope: input.purchase_limit_scope.clone(),
+        entitlements_json: input.entitlements_json.clone(),
+        created_at_unix_secs: created_at,
+        updated_at_unix_secs: current_unix_secs(),
+    }
+}
+
+fn daily_quota_availability_from_entitlements(
+    entitlements: impl IntoIterator<Item = UserPlanEntitlementRecord>,
+    now: u64,
+) -> UserDailyQuotaAvailabilityRecord {
+    let mut has_active_daily_quota = false;
+    let mut total_quota_usd = 0.0;
+    let used_usd = 0.0;
+    let mut remaining_usd = 0.0;
+    let mut allow_wallet_overage = true;
+    for entitlement in entitlements {
+        if entitlement.status != "active"
+            || entitlement.starts_at_unix_secs > now
+            || entitlement.expires_at_unix_secs <= now
+        {
+            continue;
+        }
+        let Some(items) = entitlement.entitlements_snapshot.as_array() else {
+            continue;
+        };
+        for item in items {
+            if item.get("type").and_then(serde_json::Value::as_str) != Some("daily_quota") {
+                continue;
+            }
+            let daily_quota_usd = item
+                .get("daily_quota_usd")
+                .and_then(serde_json::Value::as_f64)
+                .unwrap_or(0.0);
+            if !daily_quota_usd.is_finite() || daily_quota_usd <= 0.0 {
+                continue;
+            }
+            has_active_daily_quota = true;
+            total_quota_usd += daily_quota_usd;
+            remaining_usd += daily_quota_usd;
+            allow_wallet_overage &= item
+                .get("allow_wallet_overage")
+                .and_then(serde_json::Value::as_bool)
+                .unwrap_or(false);
+        }
+    }
+    UserDailyQuotaAvailabilityRecord {
+        has_active_daily_quota,
+        total_quota_usd,
+        used_usd,
+        remaining_usd,
+        allow_wallet_overage,
+    }
+}
+
 #[async_trait]
 impl BillingReadRepository for InMemoryBillingReadRepository {
     async fn find_model_context(
@@ -101,6 +186,204 @@ impl BillingReadRepository for InMemoryBillingReadRepository {
             })
             .map(|(_, value)| value.clone()))
     }
+
+    async fn find_payment_gateway_config(
+        &self,
+        provider: &str,
+    ) -> Result<Option<PaymentGatewayConfigRecord>, DataLayerError> {
+        Ok(self
+            .gateway_configs_by_provider
+            .read()
+            .expect("billing repository lock")
+            .get(&provider.trim().to_ascii_lowercase())
+            .cloned())
+    }
+
+    async fn upsert_payment_gateway_config(
+        &self,
+        input: &PaymentGatewayConfigWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<PaymentGatewayConfigRecord>, DataLayerError> {
+        let provider = input.provider.trim().to_ascii_lowercase();
+        let now = current_unix_secs();
+        let mut configs = self
+            .gateway_configs_by_provider
+            .write()
+            .expect("billing repository lock");
+        let created_at = configs
+            .get(&provider)
+            .map(|value| value.created_at_unix_secs)
+            .unwrap_or(now);
+        let merchant_key_encrypted = if input.preserve_existing_secret {
+            configs
+                .get(&provider)
+                .and_then(|value| value.merchant_key_encrypted.clone())
+        } else {
+            input.merchant_key_encrypted.clone()
+        };
+        let record = PaymentGatewayConfigRecord {
+            provider: provider.clone(),
+            enabled: input.enabled,
+            endpoint_url: input.endpoint_url.clone(),
+            callback_base_url: input.callback_base_url.clone(),
+            merchant_id: input.merchant_id.clone(),
+            merchant_key_encrypted,
+            pay_currency: input.pay_currency.clone(),
+            usd_exchange_rate: input.usd_exchange_rate,
+            min_recharge_usd: input.min_recharge_usd,
+            channels_json: input.channels_json.clone(),
+            created_at_unix_secs: created_at,
+            updated_at_unix_secs: now,
+        };
+        configs.insert(provider, record.clone());
+        Ok(AdminBillingMutationOutcome::Applied(record))
+    }
+
+    async fn list_billing_plans(
+        &self,
+        include_disabled: bool,
+    ) -> Result<Option<Vec<BillingPlanRecord>>, DataLayerError> {
+        let mut items = self
+            .billing_plans_by_id
+            .read()
+            .expect("billing repository lock")
+            .values()
+            .filter(|item| include_disabled || item.enabled)
+            .cloned()
+            .collect::<Vec<_>>();
+        items.sort_by(|left, right| {
+            left.sort_order
+                .cmp(&right.sort_order)
+                .then_with(|| left.price_amount.total_cmp(&right.price_amount))
+                .then_with(|| left.id.cmp(&right.id))
+        });
+        Ok(Some(items))
+    }
+
+    async fn find_billing_plan(
+        &self,
+        plan_id: &str,
+    ) -> Result<Option<BillingPlanRecord>, DataLayerError> {
+        Ok(self
+            .billing_plans_by_id
+            .read()
+            .expect("billing repository lock")
+            .get(plan_id)
+            .cloned())
+    }
+
+    async fn create_billing_plan(
+        &self,
+        input: &BillingPlanWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let id = uuid::Uuid::new_v4().to_string();
+        let record = billing_plan_from_input(id.clone(), input, current_unix_secs());
+        self.billing_plans_by_id
+            .write()
+            .expect("billing repository lock")
+            .insert(id, record.clone());
+        Ok(AdminBillingMutationOutcome::Applied(record))
+    }
+
+    async fn update_billing_plan(
+        &self,
+        plan_id: &str,
+        input: &BillingPlanWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let mut plans = self
+            .billing_plans_by_id
+            .write()
+            .expect("billing repository lock");
+        let Some(existing) = plans.get(plan_id).cloned() else {
+            return Ok(AdminBillingMutationOutcome::NotFound);
+        };
+        let record =
+            billing_plan_from_input(plan_id.to_string(), input, existing.created_at_unix_secs);
+        plans.insert(plan_id.to_string(), record.clone());
+        Ok(AdminBillingMutationOutcome::Applied(record))
+    }
+
+    async fn set_billing_plan_enabled(
+        &self,
+        plan_id: &str,
+        enabled: bool,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let mut plans = self
+            .billing_plans_by_id
+            .write()
+            .expect("billing repository lock");
+        let Some(record) = plans.get_mut(plan_id) else {
+            return Ok(AdminBillingMutationOutcome::NotFound);
+        };
+        record.enabled = enabled;
+        record.updated_at_unix_secs = current_unix_secs();
+        Ok(AdminBillingMutationOutcome::Applied(record.clone()))
+    }
+
+    async fn delete_billing_plan(
+        &self,
+        plan_id: &str,
+    ) -> Result<AdminBillingMutationOutcome<()>, DataLayerError> {
+        let mut plans = self
+            .billing_plans_by_id
+            .write()
+            .expect("billing repository lock");
+        if !plans.contains_key(plan_id) {
+            return Ok(AdminBillingMutationOutcome::NotFound);
+        }
+        let has_entitlements = self
+            .entitlements_by_id
+            .read()
+            .expect("billing repository lock")
+            .values()
+            .any(|item| item.plan_id == plan_id);
+        if has_entitlements {
+            return Ok(AdminBillingMutationOutcome::Invalid(
+                "套餐已有订单或权益，不能删除，请停用该套餐".to_string(),
+            ));
+        }
+        plans.remove(plan_id);
+        Ok(AdminBillingMutationOutcome::Applied(()))
+    }
+
+    async fn list_user_plan_entitlements(
+        &self,
+        user_id: &str,
+    ) -> Result<Option<Vec<UserPlanEntitlementRecord>>, DataLayerError> {
+        let now = current_unix_secs();
+        let mut items = self
+            .entitlements_by_id
+            .read()
+            .expect("billing repository lock")
+            .values()
+            .filter(|item| {
+                item.user_id == user_id
+                    && item.status == "active"
+                    && item.expires_at_unix_secs > now
+            })
+            .cloned()
+            .collect::<Vec<_>>();
+        items.sort_by_key(|item| item.expires_at_unix_secs);
+        Ok(Some(items))
+    }
+
+    async fn find_user_daily_quota_availability(
+        &self,
+        user_id: &str,
+    ) -> Result<Option<UserDailyQuotaAvailabilityRecord>, DataLayerError> {
+        let now = current_unix_secs();
+        let entitlements = self
+            .entitlements_by_id
+            .read()
+            .expect("billing repository lock")
+            .values()
+            .filter(|item| item.user_id == user_id)
+            .cloned()
+            .collect::<Vec<_>>();
+        Ok(Some(daily_quota_availability_from_entitlements(
+            entitlements,
+            now,
+        )))
+    }
 }
 
 fn find_context_by_provider_model_name(

crates/aether-data/src/repository/billing/mod.rs

@@ -7,7 +7,9 @@ mod sqlite;
 pub(crate) use aether_data_contracts::repository::billing::{
     AdminBillingCollectorRecord, AdminBillingCollectorWriteInput, AdminBillingMutationOutcome,
     AdminBillingPresetApplyResult, AdminBillingRuleRecord, AdminBillingRuleWriteInput,
-    BillingReadRepository, StoredBillingModelContext,
+    BillingPlanRecord, BillingPlanWriteInput, BillingReadRepository, PaymentGatewayConfigRecord,
+    PaymentGatewayConfigWriteInput, StoredBillingModelContext, UserDailyQuotaAvailabilityRecord,
+    UserPlanEntitlementRecord,
 };
 pub use memory::InMemoryBillingReadRepository;
 pub use mysql::MysqlBillingReadRepository;

crates/aether-data/src/repository/billing/mysql.rs

@@ -4,7 +4,9 @@ use sqlx::{mysql::MySqlRow, Row};
 use super::{
     AdminBillingCollectorRecord, AdminBillingCollectorWriteInput, AdminBillingMutationOutcome,
     AdminBillingPresetApplyResult, AdminBillingRuleRecord, AdminBillingRuleWriteInput,
-    BillingReadRepository, StoredBillingModelContext,
+    BillingPlanRecord, BillingPlanWriteInput, BillingReadRepository, PaymentGatewayConfigRecord,
+    PaymentGatewayConfigWriteInput, StoredBillingModelContext, UserDailyQuotaAvailabilityRecord,
+    UserPlanEntitlementRecord,
 };
 use crate::driver::mysql::MysqlPool;
 use crate::error::SqlResultExt;
@@ -609,8 +611,409 @@ VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
             },
         ))
     }
+
+    async fn find_payment_gateway_config(
+        &self,
+        provider: &str,
+    ) -> Result<Option<PaymentGatewayConfigRecord>, DataLayerError> {
+        let row = sqlx::query(
+            r#"
+SELECT
+  provider, enabled, endpoint_url, callback_base_url, merchant_id,
+  merchant_key_encrypted, pay_currency, usd_exchange_rate, min_recharge_usd,
+  channels_json, created_at AS created_at_unix_secs, updated_at AS updated_at_unix_secs
+FROM payment_gateway_configs
+WHERE provider = ?
+LIMIT 1
+            "#,
+        )
+        .bind(provider.trim().to_ascii_lowercase())
+        .fetch_optional(&self.pool)
+        .await
+        .map_sql_err()?;
+        row.as_ref()
+            .map(map_payment_gateway_config_mysql)
+            .transpose()
+    }
+
+    async fn upsert_payment_gateway_config(
+        &self,
+        input: &PaymentGatewayConfigWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<PaymentGatewayConfigRecord>, DataLayerError> {
+        let provider = input.provider.trim().to_ascii_lowercase();
+        let existing_secret = if input.preserve_existing_secret {
+            sqlx::query_scalar::<_, String>(
+                "SELECT merchant_key_encrypted FROM payment_gateway_configs WHERE provider = ?",
+            )
+            .bind(&provider)
+            .fetch_optional(&self.pool)
+            .await
+            .map_sql_err()?
+        } else {
+            None
+        };
+        let secret = if input.preserve_existing_secret {
+            existing_secret
+        } else {
+            input.merchant_key_encrypted.clone()
+        };
+        let now = current_unix_secs_i64();
+        sqlx::query(
+            r#"
+INSERT INTO payment_gateway_configs (
+  provider, enabled, endpoint_url, callback_base_url, merchant_id,
+  merchant_key_encrypted, pay_currency, usd_exchange_rate, min_recharge_usd,
+  channels_json, created_at, updated_at
+)
+VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+ON DUPLICATE KEY UPDATE
+  enabled = VALUES(enabled),
+  endpoint_url = VALUES(endpoint_url),
+  callback_base_url = VALUES(callback_base_url),
+  merchant_id = VALUES(merchant_id),
+  merchant_key_encrypted = VALUES(merchant_key_encrypted),
+  pay_currency = VALUES(pay_currency),
+  usd_exchange_rate = VALUES(usd_exchange_rate),
+  min_recharge_usd = VALUES(min_recharge_usd),
+  channels_json = VALUES(channels_json),
+  updated_at = VALUES(updated_at)
+            "#,
+        )
+        .bind(&provider)
+        .bind(input.enabled)
+        .bind(&input.endpoint_url)
+        .bind(input.callback_base_url.as_deref())
+        .bind(&input.merchant_id)
+        .bind(secret.as_deref())
+        .bind(&input.pay_currency)
+        .bind(input.usd_exchange_rate)
+        .bind(input.min_recharge_usd)
+        .bind(json_to_string(&input.channels_json)?)
+        .bind(now)
+        .bind(now)
+        .execute(&self.pool)
+        .await
+        .map_sql_err()?;
+        match self.find_payment_gateway_config(&provider).await? {
+            Some(record) => Ok(AdminBillingMutationOutcome::Applied(record)),
+            None => Err(DataLayerError::UnexpectedValue(
+                "upserted payment gateway config missing".to_string(),
+            )),
+        }
+    }
+
+    async fn list_billing_plans(
+        &self,
+        include_disabled: bool,
+    ) -> Result<Option<Vec<BillingPlanRecord>>, DataLayerError> {
+        let rows = sqlx::query(
+            r#"
+SELECT
+  id, title, description, price_amount, price_currency, duration_unit,
+  duration_value, enabled, sort_order, max_active_per_user, purchase_limit_scope,
+  entitlements_json,
+  created_at AS created_at_unix_secs, updated_at AS updated_at_unix_secs
+FROM billing_plans
+WHERE (? = TRUE OR enabled = TRUE)
+ORDER BY sort_order ASC, price_amount ASC, id ASC
+            "#,
+        )
+        .bind(include_disabled)
+        .fetch_all(&self.pool)
+        .await
+        .map_sql_err()?;
+        Ok(Some(
+            rows.iter()
+                .map(map_billing_plan_mysql)
+                .collect::<Result<Vec<_>, _>>()?,
+        ))
+    }
+
+    async fn find_billing_plan(
+        &self,
+        plan_id: &str,
+    ) -> Result<Option<BillingPlanRecord>, DataLayerError> {
+        let row = sqlx::query(
+            r#"
+SELECT
+  id, title, description, price_amount, price_currency, duration_unit,
+  duration_value, enabled, sort_order, max_active_per_user, purchase_limit_scope,
+  entitlements_json,
+  created_at AS created_at_unix_secs, updated_at AS updated_at_unix_secs
+FROM billing_plans
+WHERE id = ?
+LIMIT 1
+            "#,
+        )
+        .bind(plan_id)
+        .fetch_optional(&self.pool)
+        .await
+        .map_sql_err()?;
+        row.as_ref().map(map_billing_plan_mysql).transpose()
+    }
+
+    async fn create_billing_plan(
+        &self,
+        input: &BillingPlanWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let id = uuid::Uuid::new_v4().to_string();
+        let now = current_unix_secs_i64();
+        sqlx::query(BILLING_PLAN_INSERT_MYSQL)
+            .bind(&id)
+            .bind(&input.title)
+            .bind(input.description.as_deref())
+            .bind(input.price_amount)
+            .bind(&input.price_currency)
+            .bind(&input.duration_unit)
+            .bind(input.duration_value)
+            .bind(input.enabled)
+            .bind(input.sort_order)
+            .bind(input.max_active_per_user)
+            .bind(&input.purchase_limit_scope)
+            .bind(json_to_string(&input.entitlements_json)?)
+            .bind(now)
+            .bind(now)
+            .execute(&self.pool)
+            .await
+            .map_sql_err()?;
+        match self.find_billing_plan(&id).await? {
+            Some(record) => Ok(AdminBillingMutationOutcome::Applied(record)),
+            None => Err(DataLayerError::UnexpectedValue(
+                "created billing plan missing".to_string(),
+            )),
+        }
+    }
+
+    async fn update_billing_plan(
+        &self,
+        plan_id: &str,
+        input: &BillingPlanWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let result = sqlx::query(BILLING_PLAN_UPDATE_MYSQL)
+            .bind(&input.title)
+            .bind(input.description.as_deref())
+            .bind(input.price_amount)
+            .bind(&input.price_currency)
+            .bind(&input.duration_unit)
+            .bind(input.duration_value)
+            .bind(input.enabled)
+            .bind(input.sort_order)
+            .bind(input.max_active_per_user)
+            .bind(&input.purchase_limit_scope)
+            .bind(json_to_string(&input.entitlements_json)?)
+            .bind(current_unix_secs_i64())
+            .bind(plan_id)
+            .execute(&self.pool)
+            .await
+            .map_sql_err()?;
+        if result.rows_affected() == 0 {
+            return Ok(AdminBillingMutationOutcome::NotFound);
+        }
+        match self.find_billing_plan(plan_id).await? {
+            Some(record) => Ok(AdminBillingMutationOutcome::Applied(record)),
+            None => Ok(AdminBillingMutationOutcome::NotFound),
+        }
+    }
+
+    async fn set_billing_plan_enabled(
+        &self,
+        plan_id: &str,
+        enabled: bool,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let result =
+            sqlx::query("UPDATE billing_plans SET enabled = ?, updated_at = ? WHERE id = ?")
+                .bind(enabled)
+                .bind(current_unix_secs_i64())
+                .bind(plan_id)
+                .execute(&self.pool)
+                .await
+                .map_sql_err()?;
+        if result.rows_affected() == 0 {
+            return Ok(AdminBillingMutationOutcome::NotFound);
+        }
+        match self.find_billing_plan(plan_id).await? {
+            Some(record) => Ok(AdminBillingMutationOutcome::Applied(record)),
+            None => Ok(AdminBillingMutationOutcome::NotFound),
+        }
+    }
+
+    async fn delete_billing_plan(
+        &self,
+        plan_id: &str,
+    ) -> Result<AdminBillingMutationOutcome<()>, DataLayerError> {
+        let exists =
+            sqlx::query_scalar::<_, i64>("SELECT COUNT(*) FROM billing_plans WHERE id = ?")
+                .bind(plan_id)
+                .fetch_one(&self.pool)
+                .await
+                .map_sql_err()?;
+        if exists == 0 {
+            return Ok(AdminBillingMutationOutcome::NotFound);
+        }
+
+        let order_count = sqlx::query_scalar::<_, i64>(
+            r#"
+SELECT COUNT(*)
+FROM payment_orders
+WHERE product_id = ?
+  AND order_kind = 'plan_purchase'
+            "#,
+        )
+        .bind(plan_id)
+        .fetch_one(&self.pool)
+        .await
+        .map_sql_err()?;
+        let entitlement_count = sqlx::query_scalar::<_, i64>(
+            "SELECT COUNT(*) FROM user_plan_entitlements WHERE plan_id = ?",
+        )
+        .bind(plan_id)
+        .fetch_one(&self.pool)
+        .await
+        .map_sql_err()?;
+        if order_count > 0 || entitlement_count > 0 {
+            return Ok(AdminBillingMutationOutcome::Invalid(
+                "套餐已有订单或权益，不能删除，请停用该套餐".to_string(),
+            ));
+        }
+
+        let result = sqlx::query("DELETE FROM billing_plans WHERE id = ?")
+            .bind(plan_id)
+            .execute(&self.pool)
+            .await
+            .map_sql_err()?;
+        if result.rows_affected() == 0 {
+            Ok(AdminBillingMutationOutcome::NotFound)
+        } else {
+            Ok(AdminBillingMutationOutcome::Applied(()))
+        }
+    }
+
+    async fn list_user_plan_entitlements(
+        &self,
+        user_id: &str,
+    ) -> Result<Option<Vec<UserPlanEntitlementRecord>>, DataLayerError> {
+        let rows = sqlx::query(
+            r#"
+SELECT
+  id, user_id, plan_id, payment_order_id, status,
+  starts_at AS starts_at_unix_secs, expires_at AS expires_at_unix_secs,
+  entitlements_snapshot, created_at AS created_at_unix_secs,
+  updated_at AS updated_at_unix_secs
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND status = 'active'
+  AND expires_at > ?
+ORDER BY expires_at ASC, created_at ASC
+            "#,
+        )
+        .bind(user_id)
+        .bind(current_unix_secs_i64())
+        .fetch_all(&self.pool)
+        .await
+        .map_sql_err()?;
+        Ok(Some(
+            rows.iter()
+                .map(map_user_plan_entitlement_mysql)
+                .collect::<Result<Vec<_>, _>>()?,
+        ))
+    }
+
+    async fn find_user_daily_quota_availability(
+        &self,
+        user_id: &str,
+    ) -> Result<Option<UserDailyQuotaAvailabilityRecord>, DataLayerError> {
+        let now_unix_secs = current_unix_secs_i64();
+        let rows = sqlx::query(
+            r#"
+SELECT id, entitlements_snapshot
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND status = 'active'
+  AND starts_at <= ?
+  AND expires_at > ?
+ORDER BY expires_at ASC, created_at ASC, id ASC
+            "#,
+        )
+        .bind(user_id)
+        .bind(now_unix_secs)
+        .bind(now_unix_secs)
+        .fetch_all(&self.pool)
+        .await
+        .map_sql_err()?;
+        let now = chrono::Utc::now();
+        let mut grants = Vec::new();
+        for row in rows {
+            let entitlement_id: String = row.try_get("id").map_sql_err()?;
+            let entitlements = parse_json(row.try_get("entitlements_snapshot").ok().flatten())?
+                .unwrap_or_else(|| serde_json::json!([]));
+            grants.extend(daily_quota_grants_from_entitlement(
+                &entitlement_id,
+                &entitlements,
+                now,
+            )?);
+        }
+
+        let mut total_quota_usd = 0.0;
+        let mut used_usd = 0.0;
+        let mut remaining_usd = 0.0;
+        let mut allow_wallet_overage = true;
+        for grant in &grants {
+            allow_wallet_overage &= grant.allow_wallet_overage;
+            let used = sqlx::query_scalar::<_, f64>(
+                r#"
+SELECT COALESCE(SUM(amount_usd), 0)
+FROM entitlement_usage_ledgers
+WHERE user_entitlement_id = ?
+  AND usage_date = ?
+                "#,
+            )
+            .bind(&grant.entitlement_id)
+            .bind(&grant.usage_date)
+            .fetch_one(&self.pool)
+            .await
+            .map_sql_err()?;
+            total_quota_usd += grant.daily_quota_usd;
+            used_usd += used.min(grant.daily_quota_usd).max(0.0);
+            remaining_usd += (grant.daily_quota_usd - used).max(0.0);
+        }
+        let has_active_daily_quota = !grants.is_empty();
+        Ok(Some(UserDailyQuotaAvailabilityRecord {
+            has_active_daily_quota,
+            total_quota_usd,
+            used_usd,
+            remaining_usd,
+            allow_wallet_overage: has_active_daily_quota && allow_wallet_overage,
+        }))
+    }
 }
 
+const BILLING_PLAN_INSERT_MYSQL: &str = r#"
+INSERT INTO billing_plans (
+  id, title, description, price_amount, price_currency, duration_unit,
+  duration_value, enabled, sort_order, max_active_per_user, purchase_limit_scope,
+  entitlements_json,
+  created_at, updated_at
+)
+VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+"#;
+
+const BILLING_PLAN_UPDATE_MYSQL: &str = r#"
+UPDATE billing_plans
+SET title = ?,
+    description = ?,
+    price_amount = ?,
+    price_currency = ?,
+    duration_unit = ?,
+    duration_value = ?,
+    enabled = ?,
+    sort_order = ?,
+    max_active_per_user = ?,
+    purchase_limit_scope = ?,
+    entitlements_json = ?,
+    updated_at = ?
+WHERE id = ?
+"#;
+
 struct RankedContext {
     rank: u8,
     is_available: bool,
@@ -751,10 +1154,153 @@ fn json_to_string(value: &serde_json::Value) -> Result<String, DataLayerError> {
     })
 }
 
+#[derive(Debug)]
+struct DailyQuotaGrant {
+    entitlement_id: String,
+    daily_quota_usd: f64,
+    usage_date: String,
+    allow_wallet_overage: bool,
+}
+
+fn daily_quota_usage_date(
+    reset_timezone: Option<&str>,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<String, DataLayerError> {
+    let timezone = reset_timezone
+        .map(str::trim)
+        .filter(|value| !value.is_empty())
+        .unwrap_or("Asia/Shanghai")
+        .parse::<chrono_tz::Tz>()
+        .map_err(|err| DataLayerError::InvalidInput(format!("invalid reset_timezone: {err}")))?;
+    Ok(now.with_timezone(&timezone).date_naive().to_string())
+}
+
+fn daily_quota_grants_from_entitlement(
+    entitlement_id: &str,
+    entitlements: &serde_json::Value,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<Vec<DailyQuotaGrant>, DataLayerError> {
+    let mut grants = Vec::new();
+    let Some(items) = entitlements.as_array() else {
+        return Ok(grants);
+    };
+    for item in items {
+        if item.get("type").and_then(serde_json::Value::as_str) != Some("daily_quota") {
+            continue;
+        }
+        let daily_quota_usd = item
+            .get("daily_quota_usd")
+            .and_then(serde_json::Value::as_f64)
+            .unwrap_or(0.0);
+        if !daily_quota_usd.is_finite() || daily_quota_usd <= 0.0 {
+            continue;
+        }
+        grants.push(DailyQuotaGrant {
+            entitlement_id: entitlement_id.to_string(),
+            daily_quota_usd,
+            usage_date: daily_quota_usage_date(
+                item.get("reset_timezone")
+                    .and_then(serde_json::Value::as_str),
+                now,
+            )?,
+            allow_wallet_overage: item
+                .get("allow_wallet_overage")
+                .and_then(serde_json::Value::as_bool)
+                .unwrap_or(false),
+        });
+    }
+    Ok(grants)
+}
+
 fn read_count_mysql(row: &MySqlRow) -> Result<u64, DataLayerError> {
     Ok(row.try_get::<i64, _>("total").map_sql_err()?.max(0) as u64)
 }
 
+fn map_payment_gateway_config_mysql(
+    row: &MySqlRow,
+) -> Result<PaymentGatewayConfigRecord, DataLayerError> {
+    Ok(PaymentGatewayConfigRecord {
+        provider: row.try_get("provider").map_sql_err()?,
+        enabled: row.try_get("enabled").map_sql_err()?,
+        endpoint_url: row.try_get("endpoint_url").map_sql_err()?,
+        callback_base_url: row.try_get("callback_base_url").map_sql_err()?,
+        merchant_id: row.try_get("merchant_id").map_sql_err()?,
+        merchant_key_encrypted: row.try_get("merchant_key_encrypted").map_sql_err()?,
+        pay_currency: row.try_get("pay_currency").map_sql_err()?,
+        usd_exchange_rate: row.try_get("usd_exchange_rate").map_sql_err()?,
+        min_recharge_usd: row.try_get("min_recharge_usd").map_sql_err()?,
+        channels_json: parse_json(row.try_get("channels_json").ok().flatten())?
+            .unwrap_or_else(|| serde_json::json!([])),
+        created_at_unix_secs: row
+            .try_get::<i64, _>("created_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+        updated_at_unix_secs: row
+            .try_get::<i64, _>("updated_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+    })
+}
+
+fn map_billing_plan_mysql(row: &MySqlRow) -> Result<BillingPlanRecord, DataLayerError> {
+    Ok(BillingPlanRecord {
+        id: row.try_get("id").map_sql_err()?,
+        title: row.try_get("title").map_sql_err()?,
+        description: row.try_get("description").map_sql_err()?,
+        price_amount: row.try_get("price_amount").map_sql_err()?,
+        price_currency: row.try_get("price_currency").map_sql_err()?,
+        duration_unit: row.try_get("duration_unit").map_sql_err()?,
+        duration_value: row.try_get("duration_value").map_sql_err()?,
+        enabled: row.try_get("enabled").map_sql_err()?,
+        sort_order: row.try_get("sort_order").map_sql_err()?,
+        max_active_per_user: row.try_get("max_active_per_user").map_sql_err()?,
+        purchase_limit_scope: row
+            .try_get::<Option<String>, _>("purchase_limit_scope")
+            .map_sql_err()?
+            .unwrap_or_else(|| "active_period".to_string()),
+        entitlements_json: parse_json(row.try_get("entitlements_json").ok().flatten())?
+            .unwrap_or_else(|| serde_json::json!([])),
+        created_at_unix_secs: row
+            .try_get::<i64, _>("created_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+        updated_at_unix_secs: row
+            .try_get::<i64, _>("updated_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+    })
+}
+
+fn map_user_plan_entitlement_mysql(
+    row: &MySqlRow,
+) -> Result<UserPlanEntitlementRecord, DataLayerError> {
+    Ok(UserPlanEntitlementRecord {
+        id: row.try_get("id").map_sql_err()?,
+        user_id: row.try_get("user_id").map_sql_err()?,
+        plan_id: row.try_get("plan_id").map_sql_err()?,
+        payment_order_id: row.try_get("payment_order_id").map_sql_err()?,
+        status: row.try_get("status").map_sql_err()?,
+        starts_at_unix_secs: row
+            .try_get::<i64, _>("starts_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+        expires_at_unix_secs: row
+            .try_get::<i64, _>("expires_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+        entitlements_snapshot: parse_json(row.try_get("entitlements_snapshot").ok().flatten())?
+            .unwrap_or_else(|| serde_json::json!([])),
+        created_at_unix_secs: row
+            .try_get::<i64, _>("created_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+        updated_at_unix_secs: row
+            .try_get::<i64, _>("updated_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+    })
+}
+
 async fn find_admin_billing_rule_mysql(
     pool: &MysqlPool,
     rule_id: &str,

crates/aether-data/src/repository/billing/postgres.rs

@@ -4,7 +4,9 @@ use sqlx::{PgPool, Row};
 use super::{
     AdminBillingCollectorRecord, AdminBillingCollectorWriteInput, AdminBillingMutationOutcome,
     AdminBillingPresetApplyResult, AdminBillingRuleRecord, AdminBillingRuleWriteInput,
-    BillingReadRepository, StoredBillingModelContext,
+    BillingPlanRecord, BillingPlanWriteInput, BillingReadRepository, PaymentGatewayConfigRecord,
+    PaymentGatewayConfigWriteInput, StoredBillingModelContext, UserDailyQuotaAvailabilityRecord,
+    UserPlanEntitlementRecord,
 };
 use crate::{error::SqlxResultExt, DataLayerError};
 
@@ -687,8 +689,422 @@ VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9, $10, $11, NOW(), NOW())
             },
         ))
     }
+
+    async fn find_payment_gateway_config(
+        &self,
+        provider: &str,
+    ) -> Result<Option<PaymentGatewayConfigRecord>, DataLayerError> {
+        let row = sqlx::query(
+            r#"
+SELECT
+  provider, enabled, endpoint_url, callback_base_url, merchant_id,
+  merchant_key_encrypted, pay_currency,
+  CAST(usd_exchange_rate AS DOUBLE PRECISION) AS usd_exchange_rate,
+  CAST(min_recharge_usd AS DOUBLE PRECISION) AS min_recharge_usd,
+  channels_json,
+  CAST(EXTRACT(EPOCH FROM created_at) AS BIGINT) AS created_at_unix_secs,
+  CAST(EXTRACT(EPOCH FROM updated_at) AS BIGINT) AS updated_at_unix_secs
+FROM payment_gateway_configs
+WHERE provider = $1
+LIMIT 1
+            "#,
+        )
+        .bind(provider.trim().to_ascii_lowercase())
+        .fetch_optional(&self.pool)
+        .await
+        .map_postgres_err()?;
+        row.as_ref().map(map_payment_gateway_config_row).transpose()
+    }
+
+    async fn upsert_payment_gateway_config(
+        &self,
+        input: &PaymentGatewayConfigWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<PaymentGatewayConfigRecord>, DataLayerError> {
+        let provider = input.provider.trim().to_ascii_lowercase();
+        let row = sqlx::query(
+            r#"
+INSERT INTO payment_gateway_configs (
+  provider, enabled, endpoint_url, callback_base_url, merchant_id,
+  merchant_key_encrypted, pay_currency, usd_exchange_rate, min_recharge_usd,
+  channels_json, created_at, updated_at
+)
+VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9, $10, NOW(), NOW())
+ON CONFLICT (provider)
+DO UPDATE SET
+  enabled = EXCLUDED.enabled,
+  endpoint_url = EXCLUDED.endpoint_url,
+  callback_base_url = EXCLUDED.callback_base_url,
+  merchant_id = EXCLUDED.merchant_id,
+  merchant_key_encrypted = CASE
+    WHEN $11::BOOL THEN payment_gateway_configs.merchant_key_encrypted
+    ELSE EXCLUDED.merchant_key_encrypted
+  END,
+  pay_currency = EXCLUDED.pay_currency,
+  usd_exchange_rate = EXCLUDED.usd_exchange_rate,
+  min_recharge_usd = EXCLUDED.min_recharge_usd,
+  channels_json = EXCLUDED.channels_json,
+  updated_at = NOW()
+RETURNING
+  provider, enabled, endpoint_url, callback_base_url, merchant_id,
+  merchant_key_encrypted, pay_currency,
+  CAST(usd_exchange_rate AS DOUBLE PRECISION) AS usd_exchange_rate,
+  CAST(min_recharge_usd AS DOUBLE PRECISION) AS min_recharge_usd,
+  channels_json,
+  CAST(EXTRACT(EPOCH FROM created_at) AS BIGINT) AS created_at_unix_secs,
+  CAST(EXTRACT(EPOCH FROM updated_at) AS BIGINT) AS updated_at_unix_secs
+            "#,
+        )
+        .bind(&provider)
+        .bind(input.enabled)
+        .bind(&input.endpoint_url)
+        .bind(input.callback_base_url.as_deref())
+        .bind(&input.merchant_id)
+        .bind(input.merchant_key_encrypted.as_deref())
+        .bind(&input.pay_currency)
+        .bind(input.usd_exchange_rate)
+        .bind(input.min_recharge_usd)
+        .bind(&input.channels_json)
+        .bind(input.preserve_existing_secret)
+        .fetch_one(&self.pool)
+        .await
+        .map_postgres_err()?;
+        Ok(AdminBillingMutationOutcome::Applied(
+            map_payment_gateway_config_row(&row)?,
+        ))
+    }
+
+    async fn list_billing_plans(
+        &self,
+        include_disabled: bool,
+    ) -> Result<Option<Vec<BillingPlanRecord>>, DataLayerError> {
+        let rows = sqlx::query(
+            r#"
+SELECT
+  id, title, description,
+  CAST(price_amount AS DOUBLE PRECISION) AS price_amount,
+  price_currency, duration_unit, duration_value, enabled, sort_order,
+  max_active_per_user, purchase_limit_scope, entitlements_json,
+  CAST(EXTRACT(EPOCH FROM created_at) AS BIGINT) AS created_at_unix_secs,
+  CAST(EXTRACT(EPOCH FROM updated_at) AS BIGINT) AS updated_at_unix_secs
+FROM billing_plans
+WHERE ($1::BOOL = TRUE OR enabled = TRUE)
+ORDER BY sort_order ASC, price_amount ASC, id ASC
+            "#,
+        )
+        .bind(include_disabled)
+        .fetch_all(&self.pool)
+        .await
+        .map_postgres_err()?;
+        Ok(Some(
+            rows.iter()
+                .map(map_billing_plan_row)
+                .collect::<Result<Vec<_>, _>>()?,
+        ))
+    }
+
+    async fn find_billing_plan(
+        &self,
+        plan_id: &str,
+    ) -> Result<Option<BillingPlanRecord>, DataLayerError> {
+        let row = sqlx::query(
+            r#"
+SELECT
+  id, title, description,
+  CAST(price_amount AS DOUBLE PRECISION) AS price_amount,
+  price_currency, duration_unit, duration_value, enabled, sort_order,
+  max_active_per_user, purchase_limit_scope, entitlements_json,
+  CAST(EXTRACT(EPOCH FROM created_at) AS BIGINT) AS created_at_unix_secs,
+  CAST(EXTRACT(EPOCH FROM updated_at) AS BIGINT) AS updated_at_unix_secs
+FROM billing_plans
+WHERE id = $1
+LIMIT 1
+            "#,
+        )
+        .bind(plan_id)
+        .fetch_optional(&self.pool)
+        .await
+        .map_postgres_err()?;
+        row.as_ref().map(map_billing_plan_row).transpose()
+    }
+
+    async fn create_billing_plan(
+        &self,
+        input: &BillingPlanWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let id = uuid::Uuid::new_v4().to_string();
+        let row = sqlx::query(BILLING_PLAN_INSERT_RETURNING_SQL)
+            .bind(&id)
+            .bind(&input.title)
+            .bind(input.description.as_deref())
+            .bind(input.price_amount)
+            .bind(&input.price_currency)
+            .bind(&input.duration_unit)
+            .bind(input.duration_value)
+            .bind(input.enabled)
+            .bind(input.sort_order)
+            .bind(input.max_active_per_user)
+            .bind(&input.purchase_limit_scope)
+            .bind(&input.entitlements_json)
+            .fetch_one(&self.pool)
+            .await
+            .map_postgres_err()?;
+        Ok(AdminBillingMutationOutcome::Applied(map_billing_plan_row(
+            &row,
+        )?))
+    }
+
+    async fn update_billing_plan(
+        &self,
+        plan_id: &str,
+        input: &BillingPlanWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let row = sqlx::query(BILLING_PLAN_UPDATE_RETURNING_SQL)
+            .bind(plan_id)
+            .bind(&input.title)
+            .bind(input.description.as_deref())
+            .bind(input.price_amount)
+            .bind(&input.price_currency)
+            .bind(&input.duration_unit)
+            .bind(input.duration_value)
+            .bind(input.enabled)
+            .bind(input.sort_order)
+            .bind(input.max_active_per_user)
+            .bind(&input.purchase_limit_scope)
+            .bind(&input.entitlements_json)
+            .fetch_optional(&self.pool)
+            .await
+            .map_postgres_err()?;
+        match row {
+            Some(row) => Ok(AdminBillingMutationOutcome::Applied(map_billing_plan_row(
+                &row,
+            )?)),
+            None => Ok(AdminBillingMutationOutcome::NotFound),
+        }
+    }
+
+    async fn set_billing_plan_enabled(
+        &self,
+        plan_id: &str,
+        enabled: bool,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let row = sqlx::query(
+            r#"
+UPDATE billing_plans
+SET enabled = $2, updated_at = NOW()
+WHERE id = $1
+RETURNING
+  id, title, description,
+  CAST(price_amount AS DOUBLE PRECISION) AS price_amount,
+  price_currency, duration_unit, duration_value, enabled, sort_order,
+  max_active_per_user, purchase_limit_scope, entitlements_json,
+  CAST(EXTRACT(EPOCH FROM created_at) AS BIGINT) AS created_at_unix_secs,
+  CAST(EXTRACT(EPOCH FROM updated_at) AS BIGINT) AS updated_at_unix_secs
+            "#,
+        )
+        .bind(plan_id)
+        .bind(enabled)
+        .fetch_optional(&self.pool)
+        .await
+        .map_postgres_err()?;
+        match row {
+            Some(row) => Ok(AdminBillingMutationOutcome::Applied(map_billing_plan_row(
+                &row,
+            )?)),
+            None => Ok(AdminBillingMutationOutcome::NotFound),
+        }
+    }
+
+    async fn delete_billing_plan(
+        &self,
+        plan_id: &str,
+    ) -> Result<AdminBillingMutationOutcome<()>, DataLayerError> {
+        let exists = sqlx::query_scalar::<_, i64>(
+            "SELECT COUNT(*)::bigint FROM billing_plans WHERE id = $1",
+        )
+        .bind(plan_id)
+        .fetch_one(&self.pool)
+        .await
+        .map_postgres_err()?;
+        if exists == 0 {
+            return Ok(AdminBillingMutationOutcome::NotFound);
+        }
+
+        let order_count = sqlx::query_scalar::<_, i64>(
+            r#"
+SELECT COUNT(*)::bigint
+FROM payment_orders
+WHERE product_id = $1
+  AND order_kind = 'plan_purchase'
+            "#,
+        )
+        .bind(plan_id)
+        .fetch_one(&self.pool)
+        .await
+        .map_postgres_err()?;
+        let entitlement_count = sqlx::query_scalar::<_, i64>(
+            "SELECT COUNT(*)::bigint FROM user_plan_entitlements WHERE plan_id = $1",
+        )
+        .bind(plan_id)
+        .fetch_one(&self.pool)
+        .await
+        .map_postgres_err()?;
+        if order_count > 0 || entitlement_count > 0 {
+            return Ok(AdminBillingMutationOutcome::Invalid(
+                "套餐已有订单或权益，不能删除，请停用该套餐".to_string(),
+            ));
+        }
+
+        let result = sqlx::query("DELETE FROM billing_plans WHERE id = $1")
+            .bind(plan_id)
+            .execute(&self.pool)
+            .await
+            .map_postgres_err()?;
+        if result.rows_affected() == 0 {
+            Ok(AdminBillingMutationOutcome::NotFound)
+        } else {
+            Ok(AdminBillingMutationOutcome::Applied(()))
+        }
+    }
+
+    async fn list_user_plan_entitlements(
+        &self,
+        user_id: &str,
+    ) -> Result<Option<Vec<UserPlanEntitlementRecord>>, DataLayerError> {
+        let rows = sqlx::query(
+            r#"
+SELECT
+  id, user_id, plan_id, payment_order_id, status,
+  CAST(EXTRACT(EPOCH FROM starts_at) AS BIGINT) AS starts_at_unix_secs,
+  CAST(EXTRACT(EPOCH FROM expires_at) AS BIGINT) AS expires_at_unix_secs,
+  entitlements_snapshot,
+  CAST(EXTRACT(EPOCH FROM created_at) AS BIGINT) AS created_at_unix_secs,
+  CAST(EXTRACT(EPOCH FROM updated_at) AS BIGINT) AS updated_at_unix_secs
+FROM user_plan_entitlements
+WHERE user_id = $1
+  AND status = 'active'
+  AND expires_at > NOW()
+ORDER BY expires_at ASC, created_at ASC
+            "#,
+        )
+        .bind(user_id)
+        .fetch_all(&self.pool)
+        .await
+        .map_postgres_err()?;
+        Ok(Some(
+            rows.iter()
+                .map(map_user_plan_entitlement_row)
+                .collect::<Result<Vec<_>, _>>()?,
+        ))
+    }
+
+    async fn find_user_daily_quota_availability(
+        &self,
+        user_id: &str,
+    ) -> Result<Option<UserDailyQuotaAvailabilityRecord>, DataLayerError> {
+        let rows = sqlx::query(
+            r#"
+SELECT id, entitlements_snapshot
+FROM user_plan_entitlements
+WHERE user_id = $1
+  AND status = 'active'
+  AND starts_at <= NOW()
+  AND expires_at > NOW()
+ORDER BY expires_at ASC, created_at ASC, id ASC
+            "#,
+        )
+        .bind(user_id)
+        .fetch_all(&self.pool)
+        .await
+        .map_postgres_err()?;
+        let now = chrono::Utc::now();
+        let mut grants = Vec::new();
+        for row in rows {
+            let entitlement_id: String = row.try_get("id").map_postgres_err()?;
+            let entitlements: serde_json::Value =
+                row.try_get("entitlements_snapshot").map_postgres_err()?;
+            grants.extend(daily_quota_grants_from_entitlement(
+                &entitlement_id,
+                &entitlements,
+                now,
+            )?);
+        }
+
+        let mut total_quota_usd = 0.0;
+        let mut used_usd = 0.0;
+        let mut remaining_usd = 0.0;
+        let mut allow_wallet_overage = true;
+        for grant in &grants {
+            allow_wallet_overage &= grant.allow_wallet_overage;
+            let used = sqlx::query_scalar::<_, Option<f64>>(
+                r#"
+SELECT CAST(COALESCE(SUM(amount_usd), 0) AS DOUBLE PRECISION)
+FROM entitlement_usage_ledgers
+WHERE user_entitlement_id = $1
+  AND usage_date = $2
+                "#,
+            )
+            .bind(&grant.entitlement_id)
+            .bind(&grant.usage_date)
+            .fetch_one(&self.pool)
+            .await
+            .map_postgres_err()?
+            .unwrap_or(0.0);
+            total_quota_usd += grant.daily_quota_usd;
+            used_usd += used.min(grant.daily_quota_usd).max(0.0);
+            remaining_usd += (grant.daily_quota_usd - used).max(0.0);
+        }
+        let has_active_daily_quota = !grants.is_empty();
+        Ok(Some(UserDailyQuotaAvailabilityRecord {
+            has_active_daily_quota,
+            total_quota_usd,
+            used_usd,
+            remaining_usd,
+            allow_wallet_overage: has_active_daily_quota && allow_wallet_overage,
+        }))
+    }
 }
 
+const BILLING_PLAN_INSERT_RETURNING_SQL: &str = r#"
+INSERT INTO billing_plans (
+  id, title, description, price_amount, price_currency, duration_unit,
+  duration_value, enabled, sort_order, max_active_per_user, purchase_limit_scope,
+  entitlements_json, created_at, updated_at
+)
+VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9, $10, $11, $12, NOW(), NOW())
+RETURNING
+  id, title, description,
+  CAST(price_amount AS DOUBLE PRECISION) AS price_amount,
+  price_currency, duration_unit, duration_value, enabled, sort_order,
+  max_active_per_user, purchase_limit_scope, entitlements_json,
+  CAST(EXTRACT(EPOCH FROM created_at) AS BIGINT) AS created_at_unix_secs,
+  CAST(EXTRACT(EPOCH FROM updated_at) AS BIGINT) AS updated_at_unix_secs
+"#;
+
+const BILLING_PLAN_UPDATE_RETURNING_SQL: &str = r#"
+UPDATE billing_plans
+SET
+  title = $2,
+  description = $3,
+  price_amount = $4,
+  price_currency = $5,
+  duration_unit = $6,
+  duration_value = $7,
+  enabled = $8,
+  sort_order = $9,
+  max_active_per_user = $10,
+  purchase_limit_scope = $11,
+  entitlements_json = $12,
+  updated_at = NOW()
+WHERE id = $1
+RETURNING
+  id, title, description,
+  CAST(price_amount AS DOUBLE PRECISION) AS price_amount,
+  price_currency, duration_unit, duration_value, enabled, sort_order,
+  max_active_per_user, purchase_limit_scope, entitlements_json,
+  CAST(EXTRACT(EPOCH FROM created_at) AS BIGINT) AS created_at_unix_secs,
+  CAST(EXTRACT(EPOCH FROM updated_at) AS BIGINT) AS updated_at_unix_secs
+"#;
+
 fn map_row(row: &sqlx::postgres::PgRow) -> Result<StoredBillingModelContext, DataLayerError> {
     StoredBillingModelContext::new(
         row.try_get("provider_id").map_postgres_err()?,
@@ -718,6 +1134,146 @@ fn read_count(row: sqlx::postgres::PgRow) -> Result<u64, DataLayerError> {
     Ok(row.try_get::<i64, _>("total").map_postgres_err()?.max(0) as u64)
 }
 
+#[derive(Debug)]
+struct DailyQuotaGrant {
+    entitlement_id: String,
+    daily_quota_usd: f64,
+    usage_date: String,
+    allow_wallet_overage: bool,
+}
+
+fn daily_quota_usage_date(
+    reset_timezone: Option<&str>,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<String, DataLayerError> {
+    let timezone = reset_timezone
+        .map(str::trim)
+        .filter(|value| !value.is_empty())
+        .unwrap_or("Asia/Shanghai")
+        .parse::<chrono_tz::Tz>()
+        .map_err(|err| DataLayerError::InvalidInput(format!("invalid reset_timezone: {err}")))?;
+    Ok(now.with_timezone(&timezone).date_naive().to_string())
+}
+
+fn daily_quota_grants_from_entitlement(
+    entitlement_id: &str,
+    entitlements: &serde_json::Value,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<Vec<DailyQuotaGrant>, DataLayerError> {
+    let mut grants = Vec::new();
+    let Some(items) = entitlements.as_array() else {
+        return Ok(grants);
+    };
+    for item in items {
+        if item.get("type").and_then(serde_json::Value::as_str) != Some("daily_quota") {
+            continue;
+        }
+        let daily_quota_usd = item
+            .get("daily_quota_usd")
+            .and_then(serde_json::Value::as_f64)
+            .unwrap_or(0.0);
+        if !daily_quota_usd.is_finite() || daily_quota_usd <= 0.0 {
+            continue;
+        }
+        grants.push(DailyQuotaGrant {
+            entitlement_id: entitlement_id.to_string(),
+            daily_quota_usd,
+            usage_date: daily_quota_usage_date(
+                item.get("reset_timezone")
+                    .and_then(serde_json::Value::as_str),
+                now,
+            )?,
+            allow_wallet_overage: item
+                .get("allow_wallet_overage")
+                .and_then(serde_json::Value::as_bool)
+                .unwrap_or(false),
+        });
+    }
+    Ok(grants)
+}
+
+fn map_payment_gateway_config_row(
+    row: &sqlx::postgres::PgRow,
+) -> Result<PaymentGatewayConfigRecord, DataLayerError> {
+    Ok(PaymentGatewayConfigRecord {
+        provider: row.try_get("provider").map_postgres_err()?,
+        enabled: row.try_get("enabled").map_postgres_err()?,
+        endpoint_url: row.try_get("endpoint_url").map_postgres_err()?,
+        callback_base_url: row.try_get("callback_base_url").map_postgres_err()?,
+        merchant_id: row.try_get("merchant_id").map_postgres_err()?,
+        merchant_key_encrypted: row.try_get("merchant_key_encrypted").map_postgres_err()?,
+        pay_currency: row.try_get("pay_currency").map_postgres_err()?,
+        usd_exchange_rate: row.try_get("usd_exchange_rate").map_postgres_err()?,
+        min_recharge_usd: row.try_get("min_recharge_usd").map_postgres_err()?,
+        channels_json: row
+            .try_get::<Option<serde_json::Value>, _>("channels_json")
+            .map_postgres_err()?
+            .unwrap_or_else(|| serde_json::json!([])),
+        created_at_unix_secs: row
+            .try_get::<i64, _>("created_at_unix_secs")
+            .map_postgres_err()?
+            .max(0) as u64,
+        updated_at_unix_secs: row
+            .try_get::<i64, _>("updated_at_unix_secs")
+            .map_postgres_err()?
+            .max(0) as u64,
+    })
+}
+
+fn map_billing_plan_row(row: &sqlx::postgres::PgRow) -> Result<BillingPlanRecord, DataLayerError> {
+    Ok(BillingPlanRecord {
+        id: row.try_get("id").map_postgres_err()?,
+        title: row.try_get("title").map_postgres_err()?,
+        description: row.try_get("description").map_postgres_err()?,
+        price_amount: row.try_get("price_amount").map_postgres_err()?,
+        price_currency: row.try_get("price_currency").map_postgres_err()?,
+        duration_unit: row.try_get("duration_unit").map_postgres_err()?,
+        duration_value: row.try_get("duration_value").map_postgres_err()?,
+        enabled: row.try_get("enabled").map_postgres_err()?,
+        sort_order: row.try_get("sort_order").map_postgres_err()?,
+        max_active_per_user: row.try_get("max_active_per_user").map_postgres_err()?,
+        purchase_limit_scope: row.try_get("purchase_limit_scope").map_postgres_err()?,
+        entitlements_json: row.try_get("entitlements_json").map_postgres_err()?,
+        created_at_unix_secs: row
+            .try_get::<i64, _>("created_at_unix_secs")
+            .map_postgres_err()?
+            .max(0) as u64,
+        updated_at_unix_secs: row
+            .try_get::<i64, _>("updated_at_unix_secs")
+            .map_postgres_err()?
+            .max(0) as u64,
+    })
+}
+
+fn map_user_plan_entitlement_row(
+    row: &sqlx::postgres::PgRow,
+) -> Result<UserPlanEntitlementRecord, DataLayerError> {
+    Ok(UserPlanEntitlementRecord {
+        id: row.try_get("id").map_postgres_err()?,
+        user_id: row.try_get("user_id").map_postgres_err()?,
+        plan_id: row.try_get("plan_id").map_postgres_err()?,
+        payment_order_id: row.try_get("payment_order_id").map_postgres_err()?,
+        status: row.try_get("status").map_postgres_err()?,
+        starts_at_unix_secs: row
+            .try_get::<i64, _>("starts_at_unix_secs")
+            .map_postgres_err()?
+            .max(0) as u64,
+        expires_at_unix_secs: row
+            .try_get::<i64, _>("expires_at_unix_secs")
+            .map_postgres_err()?
+            .max(0) as u64,
+        entitlements_snapshot: row.try_get("entitlements_snapshot").map_postgres_err()?,
+        created_at_unix_secs: row
+            .try_get::<i64, _>("created_at_unix_secs")
+            .map_postgres_err()?
+            .max(0) as u64,
+        updated_at_unix_secs: row
+            .try_get::<i64, _>("updated_at_unix_secs")
+            .map_postgres_err()?
+            .max(0) as u64,
+    })
+}
+
 fn map_admin_billing_rule_row(
     row: &sqlx::postgres::PgRow,
 ) -> Result<AdminBillingRuleRecord, DataLayerError> {

crates/aether-data/src/repository/billing/sqlite.rs

@@ -4,7 +4,9 @@ use sqlx::{sqlite::SqliteRow, Row};
 use super::{
     AdminBillingCollectorRecord, AdminBillingCollectorWriteInput, AdminBillingMutationOutcome,
     AdminBillingPresetApplyResult, AdminBillingRuleRecord, AdminBillingRuleWriteInput,
-    BillingReadRepository, StoredBillingModelContext,
+    BillingPlanRecord, BillingPlanWriteInput, BillingReadRepository, PaymentGatewayConfigRecord,
+    PaymentGatewayConfigWriteInput, StoredBillingModelContext, UserDailyQuotaAvailabilityRecord,
+    UserPlanEntitlementRecord,
 };
 use crate::driver::sqlite::{sqlite_optional_real, SqlitePool};
 use crate::error::SqlResultExt;
@@ -609,8 +611,409 @@ VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
             },
         ))
     }
+
+    async fn find_payment_gateway_config(
+        &self,
+        provider: &str,
+    ) -> Result<Option<PaymentGatewayConfigRecord>, DataLayerError> {
+        let row = sqlx::query(
+            r#"
+SELECT
+  provider, enabled, endpoint_url, callback_base_url, merchant_id,
+  merchant_key_encrypted, pay_currency, usd_exchange_rate, min_recharge_usd,
+  channels_json, created_at AS created_at_unix_secs, updated_at AS updated_at_unix_secs
+FROM payment_gateway_configs
+WHERE provider = ?
+LIMIT 1
+            "#,
+        )
+        .bind(provider.trim().to_ascii_lowercase())
+        .fetch_optional(&self.pool)
+        .await
+        .map_sql_err()?;
+        row.as_ref()
+            .map(map_payment_gateway_config_sqlite)
+            .transpose()
+    }
+
+    async fn upsert_payment_gateway_config(
+        &self,
+        input: &PaymentGatewayConfigWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<PaymentGatewayConfigRecord>, DataLayerError> {
+        let provider = input.provider.trim().to_ascii_lowercase();
+        let existing_secret = if input.preserve_existing_secret {
+            sqlx::query_scalar::<_, String>(
+                "SELECT merchant_key_encrypted FROM payment_gateway_configs WHERE provider = ?",
+            )
+            .bind(&provider)
+            .fetch_optional(&self.pool)
+            .await
+            .map_sql_err()?
+        } else {
+            None
+        };
+        let secret = if input.preserve_existing_secret {
+            existing_secret
+        } else {
+            input.merchant_key_encrypted.clone()
+        };
+        let now = current_unix_secs_i64();
+        sqlx::query(
+            r#"
+INSERT INTO payment_gateway_configs (
+  provider, enabled, endpoint_url, callback_base_url, merchant_id,
+  merchant_key_encrypted, pay_currency, usd_exchange_rate, min_recharge_usd,
+  channels_json, created_at, updated_at
+)
+VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+ON CONFLICT(provider) DO UPDATE SET
+  enabled = excluded.enabled,
+  endpoint_url = excluded.endpoint_url,
+  callback_base_url = excluded.callback_base_url,
+  merchant_id = excluded.merchant_id,
+  merchant_key_encrypted = excluded.merchant_key_encrypted,
+  pay_currency = excluded.pay_currency,
+  usd_exchange_rate = excluded.usd_exchange_rate,
+  min_recharge_usd = excluded.min_recharge_usd,
+  channels_json = excluded.channels_json,
+  updated_at = excluded.updated_at
+            "#,
+        )
+        .bind(&provider)
+        .bind(input.enabled)
+        .bind(&input.endpoint_url)
+        .bind(input.callback_base_url.as_deref())
+        .bind(&input.merchant_id)
+        .bind(secret.as_deref())
+        .bind(&input.pay_currency)
+        .bind(input.usd_exchange_rate)
+        .bind(input.min_recharge_usd)
+        .bind(json_to_string(&input.channels_json)?)
+        .bind(now)
+        .bind(now)
+        .execute(&self.pool)
+        .await
+        .map_sql_err()?;
+        match self.find_payment_gateway_config(&provider).await? {
+            Some(record) => Ok(AdminBillingMutationOutcome::Applied(record)),
+            None => Err(DataLayerError::UnexpectedValue(
+                "upserted payment gateway config missing".to_string(),
+            )),
+        }
+    }
+
+    async fn list_billing_plans(
+        &self,
+        include_disabled: bool,
+    ) -> Result<Option<Vec<BillingPlanRecord>>, DataLayerError> {
+        let rows = sqlx::query(
+            r#"
+SELECT
+  id, title, description, price_amount, price_currency, duration_unit,
+  duration_value, enabled, sort_order, max_active_per_user, purchase_limit_scope,
+  entitlements_json,
+  created_at AS created_at_unix_secs, updated_at AS updated_at_unix_secs
+FROM billing_plans
+WHERE (? = 1 OR enabled = 1)
+ORDER BY sort_order ASC, price_amount ASC, id ASC
+            "#,
+        )
+        .bind(include_disabled)
+        .fetch_all(&self.pool)
+        .await
+        .map_sql_err()?;
+        Ok(Some(
+            rows.iter()
+                .map(map_billing_plan_sqlite)
+                .collect::<Result<Vec<_>, _>>()?,
+        ))
+    }
+
+    async fn find_billing_plan(
+        &self,
+        plan_id: &str,
+    ) -> Result<Option<BillingPlanRecord>, DataLayerError> {
+        let row = sqlx::query(
+            r#"
+SELECT
+  id, title, description, price_amount, price_currency, duration_unit,
+  duration_value, enabled, sort_order, max_active_per_user, purchase_limit_scope,
+  entitlements_json,
+  created_at AS created_at_unix_secs, updated_at AS updated_at_unix_secs
+FROM billing_plans
+WHERE id = ?
+LIMIT 1
+            "#,
+        )
+        .bind(plan_id)
+        .fetch_optional(&self.pool)
+        .await
+        .map_sql_err()?;
+        row.as_ref().map(map_billing_plan_sqlite).transpose()
+    }
+
+    async fn create_billing_plan(
+        &self,
+        input: &BillingPlanWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let id = uuid::Uuid::new_v4().to_string();
+        let now = current_unix_secs_i64();
+        sqlx::query(BILLING_PLAN_INSERT_SQLITE)
+            .bind(&id)
+            .bind(&input.title)
+            .bind(input.description.as_deref())
+            .bind(input.price_amount)
+            .bind(&input.price_currency)
+            .bind(&input.duration_unit)
+            .bind(input.duration_value)
+            .bind(input.enabled)
+            .bind(input.sort_order)
+            .bind(input.max_active_per_user)
+            .bind(&input.purchase_limit_scope)
+            .bind(json_to_string(&input.entitlements_json)?)
+            .bind(now)
+            .bind(now)
+            .execute(&self.pool)
+            .await
+            .map_sql_err()?;
+        match self.find_billing_plan(&id).await? {
+            Some(record) => Ok(AdminBillingMutationOutcome::Applied(record)),
+            None => Err(DataLayerError::UnexpectedValue(
+                "created billing plan missing".to_string(),
+            )),
+        }
+    }
+
+    async fn update_billing_plan(
+        &self,
+        plan_id: &str,
+        input: &BillingPlanWriteInput,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let result = sqlx::query(BILLING_PLAN_UPDATE_SQLITE)
+            .bind(&input.title)
+            .bind(input.description.as_deref())
+            .bind(input.price_amount)
+            .bind(&input.price_currency)
+            .bind(&input.duration_unit)
+            .bind(input.duration_value)
+            .bind(input.enabled)
+            .bind(input.sort_order)
+            .bind(input.max_active_per_user)
+            .bind(&input.purchase_limit_scope)
+            .bind(json_to_string(&input.entitlements_json)?)
+            .bind(current_unix_secs_i64())
+            .bind(plan_id)
+            .execute(&self.pool)
+            .await
+            .map_sql_err()?;
+        if result.rows_affected() == 0 {
+            return Ok(AdminBillingMutationOutcome::NotFound);
+        }
+        match self.find_billing_plan(plan_id).await? {
+            Some(record) => Ok(AdminBillingMutationOutcome::Applied(record)),
+            None => Ok(AdminBillingMutationOutcome::NotFound),
+        }
+    }
+
+    async fn set_billing_plan_enabled(
+        &self,
+        plan_id: &str,
+        enabled: bool,
+    ) -> Result<AdminBillingMutationOutcome<BillingPlanRecord>, DataLayerError> {
+        let result =
+            sqlx::query("UPDATE billing_plans SET enabled = ?, updated_at = ? WHERE id = ?")
+                .bind(enabled)
+                .bind(current_unix_secs_i64())
+                .bind(plan_id)
+                .execute(&self.pool)
+                .await
+                .map_sql_err()?;
+        if result.rows_affected() == 0 {
+            return Ok(AdminBillingMutationOutcome::NotFound);
+        }
+        match self.find_billing_plan(plan_id).await? {
+            Some(record) => Ok(AdminBillingMutationOutcome::Applied(record)),
+            None => Ok(AdminBillingMutationOutcome::NotFound),
+        }
+    }
+
+    async fn delete_billing_plan(
+        &self,
+        plan_id: &str,
+    ) -> Result<AdminBillingMutationOutcome<()>, DataLayerError> {
+        let exists =
+            sqlx::query_scalar::<_, i64>("SELECT COUNT(*) FROM billing_plans WHERE id = ?")
+                .bind(plan_id)
+                .fetch_one(&self.pool)
+                .await
+                .map_sql_err()?;
+        if exists == 0 {
+            return Ok(AdminBillingMutationOutcome::NotFound);
+        }
+
+        let order_count = sqlx::query_scalar::<_, i64>(
+            r#"
+SELECT COUNT(*)
+FROM payment_orders
+WHERE product_id = ?
+  AND order_kind = 'plan_purchase'
+            "#,
+        )
+        .bind(plan_id)
+        .fetch_one(&self.pool)
+        .await
+        .map_sql_err()?;
+        let entitlement_count = sqlx::query_scalar::<_, i64>(
+            "SELECT COUNT(*) FROM user_plan_entitlements WHERE plan_id = ?",
+        )
+        .bind(plan_id)
+        .fetch_one(&self.pool)
+        .await
+        .map_sql_err()?;
+        if order_count > 0 || entitlement_count > 0 {
+            return Ok(AdminBillingMutationOutcome::Invalid(
+                "套餐已有订单或权益，不能删除，请停用该套餐".to_string(),
+            ));
+        }
+
+        let result = sqlx::query("DELETE FROM billing_plans WHERE id = ?")
+            .bind(plan_id)
+            .execute(&self.pool)
+            .await
+            .map_sql_err()?;
+        if result.rows_affected() == 0 {
+            Ok(AdminBillingMutationOutcome::NotFound)
+        } else {
+            Ok(AdminBillingMutationOutcome::Applied(()))
+        }
+    }
+
+    async fn list_user_plan_entitlements(
+        &self,
+        user_id: &str,
+    ) -> Result<Option<Vec<UserPlanEntitlementRecord>>, DataLayerError> {
+        let rows = sqlx::query(
+            r#"
+SELECT
+  id, user_id, plan_id, payment_order_id, status,
+  starts_at AS starts_at_unix_secs, expires_at AS expires_at_unix_secs,
+  entitlements_snapshot, created_at AS created_at_unix_secs,
+  updated_at AS updated_at_unix_secs
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND status = 'active'
+  AND expires_at > ?
+ORDER BY expires_at ASC, created_at ASC
+            "#,
+        )
+        .bind(user_id)
+        .bind(current_unix_secs_i64())
+        .fetch_all(&self.pool)
+        .await
+        .map_sql_err()?;
+        Ok(Some(
+            rows.iter()
+                .map(map_user_plan_entitlement_sqlite)
+                .collect::<Result<Vec<_>, _>>()?,
+        ))
+    }
+
+    async fn find_user_daily_quota_availability(
+        &self,
+        user_id: &str,
+    ) -> Result<Option<UserDailyQuotaAvailabilityRecord>, DataLayerError> {
+        let now_unix_secs = current_unix_secs_i64();
+        let rows = sqlx::query(
+            r#"
+SELECT id, entitlements_snapshot
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND status = 'active'
+  AND starts_at <= ?
+  AND expires_at > ?
+ORDER BY expires_at ASC, created_at ASC, id ASC
+            "#,
+        )
+        .bind(user_id)
+        .bind(now_unix_secs)
+        .bind(now_unix_secs)
+        .fetch_all(&self.pool)
+        .await
+        .map_sql_err()?;
+        let now = chrono::Utc::now();
+        let mut grants = Vec::new();
+        for row in rows {
+            let entitlement_id: String = row.try_get("id").map_sql_err()?;
+            let entitlements = parse_json(row.try_get("entitlements_snapshot").ok().flatten())?
+                .unwrap_or_else(|| serde_json::json!([]));
+            grants.extend(daily_quota_grants_from_entitlement(
+                &entitlement_id,
+                &entitlements,
+                now,
+            )?);
+        }
+
+        let mut total_quota_usd = 0.0;
+        let mut used_usd = 0.0;
+        let mut remaining_usd = 0.0;
+        let mut allow_wallet_overage = true;
+        for grant in &grants {
+            allow_wallet_overage &= grant.allow_wallet_overage;
+            let used = sqlx::query_scalar::<_, f64>(
+                r#"
+SELECT COALESCE(SUM(amount_usd), 0)
+FROM entitlement_usage_ledgers
+WHERE user_entitlement_id = ?
+  AND usage_date = ?
+                "#,
+            )
+            .bind(&grant.entitlement_id)
+            .bind(&grant.usage_date)
+            .fetch_one(&self.pool)
+            .await
+            .map_sql_err()?;
+            total_quota_usd += grant.daily_quota_usd;
+            used_usd += used.min(grant.daily_quota_usd).max(0.0);
+            remaining_usd += (grant.daily_quota_usd - used).max(0.0);
+        }
+        let has_active_daily_quota = !grants.is_empty();
+        Ok(Some(UserDailyQuotaAvailabilityRecord {
+            has_active_daily_quota,
+            total_quota_usd,
+            used_usd,
+            remaining_usd,
+            allow_wallet_overage: has_active_daily_quota && allow_wallet_overage,
+        }))
+    }
 }
 
+const BILLING_PLAN_INSERT_SQLITE: &str = r#"
+INSERT INTO billing_plans (
+  id, title, description, price_amount, price_currency, duration_unit,
+  duration_value, enabled, sort_order, max_active_per_user, purchase_limit_scope,
+  entitlements_json,
+  created_at, updated_at
+)
+VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+"#;
+
+const BILLING_PLAN_UPDATE_SQLITE: &str = r#"
+UPDATE billing_plans
+SET title = ?,
+    description = ?,
+    price_amount = ?,
+    price_currency = ?,
+    duration_unit = ?,
+    duration_value = ?,
+    enabled = ?,
+    sort_order = ?,
+    max_active_per_user = ?,
+    purchase_limit_scope = ?,
+    entitlements_json = ?,
+    updated_at = ?
+WHERE id = ?
+"#;
+
 struct RankedContext {
     rank: u8,
     is_available: bool,
@@ -745,10 +1148,153 @@ fn json_to_string(value: &serde_json::Value) -> Result<String, DataLayerError> {
     })
 }
 
+#[derive(Debug)]
+struct DailyQuotaGrant {
+    entitlement_id: String,
+    daily_quota_usd: f64,
+    usage_date: String,
+    allow_wallet_overage: bool,
+}
+
+fn daily_quota_usage_date(
+    reset_timezone: Option<&str>,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<String, DataLayerError> {
+    let timezone = reset_timezone
+        .map(str::trim)
+        .filter(|value| !value.is_empty())
+        .unwrap_or("Asia/Shanghai")
+        .parse::<chrono_tz::Tz>()
+        .map_err(|err| DataLayerError::InvalidInput(format!("invalid reset_timezone: {err}")))?;
+    Ok(now.with_timezone(&timezone).date_naive().to_string())
+}
+
+fn daily_quota_grants_from_entitlement(
+    entitlement_id: &str,
+    entitlements: &serde_json::Value,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<Vec<DailyQuotaGrant>, DataLayerError> {
+    let mut grants = Vec::new();
+    let Some(items) = entitlements.as_array() else {
+        return Ok(grants);
+    };
+    for item in items {
+        if item.get("type").and_then(serde_json::Value::as_str) != Some("daily_quota") {
+            continue;
+        }
+        let daily_quota_usd = item
+            .get("daily_quota_usd")
+            .and_then(serde_json::Value::as_f64)
+            .unwrap_or(0.0);
+        if !daily_quota_usd.is_finite() || daily_quota_usd <= 0.0 {
+            continue;
+        }
+        grants.push(DailyQuotaGrant {
+            entitlement_id: entitlement_id.to_string(),
+            daily_quota_usd,
+            usage_date: daily_quota_usage_date(
+                item.get("reset_timezone")
+                    .and_then(serde_json::Value::as_str),
+                now,
+            )?,
+            allow_wallet_overage: item
+                .get("allow_wallet_overage")
+                .and_then(serde_json::Value::as_bool)
+                .unwrap_or(false),
+        });
+    }
+    Ok(grants)
+}
+
 fn read_count_sqlite(row: &SqliteRow) -> Result<u64, DataLayerError> {
     Ok(row.try_get::<i64, _>("total").map_sql_err()?.max(0) as u64)
 }
 
+fn map_payment_gateway_config_sqlite(
+    row: &SqliteRow,
+) -> Result<PaymentGatewayConfigRecord, DataLayerError> {
+    Ok(PaymentGatewayConfigRecord {
+        provider: row.try_get("provider").map_sql_err()?,
+        enabled: row.try_get("enabled").map_sql_err()?,
+        endpoint_url: row.try_get("endpoint_url").map_sql_err()?,
+        callback_base_url: row.try_get("callback_base_url").map_sql_err()?,
+        merchant_id: row.try_get("merchant_id").map_sql_err()?,
+        merchant_key_encrypted: row.try_get("merchant_key_encrypted").map_sql_err()?,
+        pay_currency: row.try_get("pay_currency").map_sql_err()?,
+        usd_exchange_rate: sqlite_optional_real(row, "usd_exchange_rate")?.unwrap_or(0.0),
+        min_recharge_usd: sqlite_optional_real(row, "min_recharge_usd")?.unwrap_or(0.0),
+        channels_json: parse_json(row.try_get("channels_json").ok().flatten())?
+            .unwrap_or_else(|| serde_json::json!([])),
+        created_at_unix_secs: row
+            .try_get::<i64, _>("created_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+        updated_at_unix_secs: row
+            .try_get::<i64, _>("updated_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+    })
+}
+
+fn map_billing_plan_sqlite(row: &SqliteRow) -> Result<BillingPlanRecord, DataLayerError> {
+    Ok(BillingPlanRecord {
+        id: row.try_get("id").map_sql_err()?,
+        title: row.try_get("title").map_sql_err()?,
+        description: row.try_get("description").map_sql_err()?,
+        price_amount: sqlite_optional_real(row, "price_amount")?.unwrap_or(0.0),
+        price_currency: row.try_get("price_currency").map_sql_err()?,
+        duration_unit: row.try_get("duration_unit").map_sql_err()?,
+        duration_value: row.try_get("duration_value").map_sql_err()?,
+        enabled: row.try_get("enabled").map_sql_err()?,
+        sort_order: row.try_get("sort_order").map_sql_err()?,
+        max_active_per_user: row.try_get("max_active_per_user").map_sql_err()?,
+        purchase_limit_scope: row
+            .try_get::<Option<String>, _>("purchase_limit_scope")
+            .map_sql_err()?
+            .unwrap_or_else(|| "active_period".to_string()),
+        entitlements_json: parse_json(row.try_get("entitlements_json").ok().flatten())?
+            .unwrap_or_else(|| serde_json::json!([])),
+        created_at_unix_secs: row
+            .try_get::<i64, _>("created_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+        updated_at_unix_secs: row
+            .try_get::<i64, _>("updated_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+    })
+}
+
+fn map_user_plan_entitlement_sqlite(
+    row: &SqliteRow,
+) -> Result<UserPlanEntitlementRecord, DataLayerError> {
+    Ok(UserPlanEntitlementRecord {
+        id: row.try_get("id").map_sql_err()?,
+        user_id: row.try_get("user_id").map_sql_err()?,
+        plan_id: row.try_get("plan_id").map_sql_err()?,
+        payment_order_id: row.try_get("payment_order_id").map_sql_err()?,
+        status: row.try_get("status").map_sql_err()?,
+        starts_at_unix_secs: row
+            .try_get::<i64, _>("starts_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+        expires_at_unix_secs: row
+            .try_get::<i64, _>("expires_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+        entitlements_snapshot: parse_json(row.try_get("entitlements_snapshot").ok().flatten())?
+            .unwrap_or_else(|| serde_json::json!([])),
+        created_at_unix_secs: row
+            .try_get::<i64, _>("created_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+        updated_at_unix_secs: row
+            .try_get::<i64, _>("updated_at_unix_secs")
+            .map_sql_err()?
+            .max(0) as u64,
+    })
+}
+
 async fn find_admin_billing_rule_sqlite(
     pool: &SqlitePool,
     rule_id: &str,
@@ -857,7 +1403,7 @@ mod tests {
     use crate::lifecycle::migrate::run_sqlite_migrations;
     use crate::repository::billing::{
         AdminBillingCollectorWriteInput, AdminBillingMutationOutcome, AdminBillingRuleWriteInput,
-        BillingReadRepository,
+        BillingPlanWriteInput, BillingReadRepository,
     };
 
     #[tokio::test]
@@ -1010,6 +1556,96 @@ mod tests {
         assert_eq!(preset.errors, Vec::<String>::new());
     }
 
+    #[tokio::test]
+    async fn sqlite_repository_deletes_unused_billing_plans_only() {
+        let pool = sqlx::sqlite::SqlitePoolOptions::new()
+            .max_connections(1)
+            .connect("sqlite::memory:")
+            .await
+            .expect("sqlite pool should connect");
+        run_sqlite_migrations(&pool)
+            .await
+            .expect("sqlite migrations should run");
+        let repository = SqliteBillingReadRepository::new(pool.clone());
+
+        let input = BillingPlanWriteInput {
+            title: "Daily Plan".to_string(),
+            description: None,
+            price_amount: 100.0,
+            price_currency: "CNY".to_string(),
+            duration_unit: "month".to_string(),
+            duration_value: 1,
+            enabled: true,
+            sort_order: 10,
+            max_active_per_user: 1,
+            purchase_limit_scope: "active_period".to_string(),
+            entitlements_json: json!([{
+                "type": "daily_quota",
+                "daily_quota_usd": 50.0,
+                "reset_timezone": "Asia/Shanghai",
+                "allow_wallet_overage": false
+            }]),
+        };
+        let removable = match repository
+            .create_billing_plan(&input)
+            .await
+            .expect("plan create should run")
+        {
+            AdminBillingMutationOutcome::Applied(plan) => plan,
+            other => panic!("unexpected plan create outcome: {other:?}"),
+        };
+        assert_eq!(
+            repository
+                .delete_billing_plan(&removable.id)
+                .await
+                .expect("plan delete should run"),
+            AdminBillingMutationOutcome::Applied(())
+        );
+        assert!(repository
+            .find_billing_plan(&removable.id)
+            .await
+            .expect("plan lookup should run")
+            .is_none());
+
+        let referenced = match repository
+            .create_billing_plan(&input)
+            .await
+            .expect("plan create should run")
+        {
+            AdminBillingMutationOutcome::Applied(plan) => plan,
+            other => panic!("unexpected plan create outcome: {other:?}"),
+        };
+        sqlx::query(
+            r#"
+INSERT INTO payment_orders (
+  id, order_no, wallet_id, amount_usd, payment_method, order_kind,
+  product_id, fulfillment_status, status, created_at
+)
+VALUES ('order-1', 'order-no-1', 'wallet-1', 0, 'epay', 'plan_purchase',
+        ?, 'pending', 'pending', 1)
+            "#,
+        )
+        .bind(&referenced.id)
+        .execute(&pool)
+        .await
+        .expect("payment order should seed");
+        match repository
+            .delete_billing_plan(&referenced.id)
+            .await
+            .expect("plan delete should run")
+        {
+            AdminBillingMutationOutcome::Invalid(detail) => {
+                assert!(detail.contains("不能删除"));
+            }
+            other => panic!("unexpected referenced plan delete outcome: {other:?}"),
+        }
+        assert!(repository
+            .find_billing_plan(&referenced.id)
+            .await
+            .expect("plan lookup should run")
+            .is_some());
+    }
+
     async fn seed_billing_context(pool: &sqlx::SqlitePool) {
         sqlx::query(
             r#"

crates/aether-data/src/repository/settlement/memory.rs

@@ -3,7 +3,10 @@ use std::sync::{Arc, RwLock};
 
 use async_trait::async_trait;
 
-use super::{SettlementWriteRepository, StoredUsageSettlement, UsageSettlementInput};
+use super::{
+    plan_finite_wallet_debit, SettlementWriteRepository, StoredUsageSettlement,
+    UsageSettlementInput, SETTLEMENT_EPSILON_USD,
+};
 use crate::repository::wallet::{InMemoryWalletRepository, StoredWalletSnapshot};
 use crate::DataLayerError;
 
@@ -99,10 +102,10 @@ impl SettlementWriteRepository for InMemorySettlementRepository {
             })));
         }
 
-        let final_billing_status = if input.status == "completed" {
-            "settled"
+        let mut final_billing_status = if input.status == "completed" {
+            "settled".to_string()
         } else {
-            "void"
+            "void".to_string()
         };
         let mut settlement = self.wallets.with_mut(|wallets| {
             let wallet_id = input
@@ -156,17 +159,31 @@ impl SettlementWriteRepository for InMemorySettlementRepository {
                     if wallet.limit_mode.eq_ignore_ascii_case("unlimited") {
                         wallet.total_consumed += input.total_cost_usd;
                     } else {
-                        let gift_deduction = before_gift.max(0.0).min(input.total_cost_usd);
-                        let recharge_deduction = input.total_cost_usd - gift_deduction;
-                        wallet.gift_balance = before_gift - gift_deduction;
-                        wallet.balance = before_recharge - recharge_deduction;
-                        wallet.total_consumed += input.total_cost_usd;
+                        let debit_plan = plan_finite_wallet_debit(
+                            before_recharge,
+                            before_gift,
+                            input.total_cost_usd,
+                        );
+                        if debit_plan.covered_usd() + SETTLEMENT_EPSILON_USD < input.total_cost_usd
+                        {
+                            final_billing_status = "insufficient_quota".to_string();
+                            settlement.billing_status = final_billing_status.clone();
+                        } else {
+                            wallet.balance = before_recharge - debit_plan.recharge_deduction;
+                            wallet.gift_balance = before_gift - debit_plan.gift_deduction;
+                            wallet.total_consumed += input.total_cost_usd;
+                        }
                     }
                 }
 
                 settlement.wallet_recharge_balance_after = Some(wallet.balance);
                 settlement.wallet_gift_balance_after = Some(wallet.gift_balance);
                 settlement.wallet_balance_after = Some(wallet.balance + wallet.gift_balance);
+            } else if final_billing_status == "settled"
+                && input.total_cost_usd > SETTLEMENT_EPSILON_USD
+            {
+                final_billing_status = "insufficient_quota".to_string();
+                settlement.billing_status = final_billing_status.clone();
             }
 
             settlement
@@ -312,11 +329,40 @@ mod tests {
             .expect("settlement should succeed")
             .expect("settlement should exist");
 
+        assert_eq!(settlement.billing_status, "insufficient_quota");
         assert_eq!(settlement.wallet_id, None);
         assert_eq!(settlement.wallet_balance_before, None);
         assert_eq!(settlement.wallet_balance_after, None);
     }
 
+    #[tokio::test]
+    async fn finite_wallet_insufficient_balance_does_not_overdraw() {
+        let repository = InMemorySettlementRepository::seed(vec![sample_wallet()]);
+        let settlement = repository
+            .settle_usage(UsageSettlementInput {
+                request_id: "req-insufficient-wallet".to_string(),
+                user_id: Some("user-1".to_string()),
+                api_key_id: Some("key-1".to_string()),
+                api_key_is_standalone: false,
+                provider_id: Some("provider-1".to_string()),
+                status: "completed".to_string(),
+                billing_status: "pending".to_string(),
+                total_cost_usd: 15.0,
+                actual_total_cost_usd: 7.5,
+                finalized_at_unix_secs: Some(200),
+            })
+            .await
+            .expect("settlement should succeed")
+            .expect("settlement should exist");
+
+        assert_eq!(settlement.billing_status, "insufficient_quota");
+        assert_eq!(settlement.wallet_balance_before, Some(12.0));
+        assert_eq!(settlement.wallet_balance_after, Some(12.0));
+        assert_eq!(settlement.wallet_recharge_balance_after, Some(10.0));
+        assert_eq!(settlement.wallet_gift_balance_after, Some(2.0));
+        assert_eq!(settlement.provider_monthly_used_usd, None);
+    }
+
     #[tokio::test]
     async fn returns_stored_snapshot_when_usage_is_already_finalized() {
         let repository = InMemorySettlementRepository::seed(vec![sample_wallet()]);

crates/aether-data/src/repository/settlement/mod.rs

@@ -3,6 +3,39 @@ mod mysql;
 mod postgres;
 mod sqlite;
 
+const SETTLEMENT_EPSILON_USD: f64 = 0.000_000_01;
+
+#[derive(Debug, Clone, Copy)]
+struct WalletDebitPlan {
+    recharge_deduction: f64,
+    gift_deduction: f64,
+}
+
+impl WalletDebitPlan {
+    fn covered_usd(self) -> f64 {
+        self.recharge_deduction + self.gift_deduction
+    }
+}
+
+fn finite_wallet_available_usd(recharge_balance: f64, gift_balance: f64) -> f64 {
+    recharge_balance.max(0.0) + gift_balance.max(0.0)
+}
+
+fn plan_finite_wallet_debit(
+    recharge_balance: f64,
+    gift_balance: f64,
+    requested_usd: f64,
+) -> WalletDebitPlan {
+    let recharge_deduction = recharge_balance.max(0.0).min(requested_usd.max(0.0));
+    let gift_deduction = gift_balance
+        .max(0.0)
+        .min((requested_usd - recharge_deduction).max(0.0));
+    WalletDebitPlan {
+        recharge_deduction,
+        gift_deduction,
+    }
+}
+
 #[allow(unused_imports)]
 pub(crate) use aether_data_contracts::repository::settlement::{
     SettlementRepository, SettlementWriteRepository, StoredUsageSettlement, UsageSettlementInput,

crates/aether-data/src/repository/settlement/mysql.rs

@@ -1,7 +1,10 @@
 use async_trait::async_trait;
 use sqlx::{mysql::MySqlRow, Row};
 
-use super::{SettlementWriteRepository, StoredUsageSettlement, UsageSettlementInput};
+use super::{
+    finite_wallet_available_usd, plan_finite_wallet_debit, SettlementWriteRepository,
+    StoredUsageSettlement, UsageSettlementInput, SETTLEMENT_EPSILON_USD,
+};
 use crate::driver::mysql::MysqlPool;
 use crate::error::SqlResultExt;
 use crate::DataLayerError;
@@ -133,6 +136,197 @@ fn now_unix_secs() -> Result<i64, DataLayerError> {
     .map_err(|_| DataLayerError::InvalidInput("timestamp overflow".to_string()))
 }
 
+#[derive(Debug, Default)]
+struct DailyQuotaDebitResult {
+    debited_usd: f64,
+    insufficient: bool,
+}
+
+#[derive(Debug)]
+struct DailyQuotaGrant {
+    entitlement_id: String,
+    daily_quota_usd: f64,
+    usage_date: String,
+    allow_wallet_overage: bool,
+}
+
+fn daily_quota_usage_date(
+    reset_timezone: Option<&str>,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<String, DataLayerError> {
+    let timezone = reset_timezone
+        .map(str::trim)
+        .filter(|value| !value.is_empty())
+        .unwrap_or("Asia/Shanghai")
+        .parse::<chrono_tz::Tz>()
+        .map_err(|err| DataLayerError::InvalidInput(format!("invalid reset_timezone: {err}")))?;
+    Ok(now.with_timezone(&timezone).date_naive().to_string())
+}
+
+fn daily_quota_grants_from_entitlement(
+    entitlement_id: &str,
+    entitlements: &serde_json::Value,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<Vec<DailyQuotaGrant>, DataLayerError> {
+    let mut grants = Vec::new();
+    let Some(items) = entitlements.as_array() else {
+        return Ok(grants);
+    };
+    for item in items {
+        if item.get("type").and_then(serde_json::Value::as_str) != Some("daily_quota") {
+            continue;
+        }
+        let daily_quota_usd = item
+            .get("daily_quota_usd")
+            .and_then(serde_json::Value::as_f64)
+            .unwrap_or(0.0);
+        if !daily_quota_usd.is_finite() || daily_quota_usd <= 0.0 {
+            continue;
+        }
+        grants.push(DailyQuotaGrant {
+            entitlement_id: entitlement_id.to_string(),
+            daily_quota_usd,
+            usage_date: daily_quota_usage_date(
+                item.get("reset_timezone")
+                    .and_then(serde_json::Value::as_str),
+                now,
+            )?,
+            allow_wallet_overage: item
+                .get("allow_wallet_overage")
+                .and_then(serde_json::Value::as_bool)
+                .unwrap_or(false),
+        });
+    }
+    Ok(grants)
+}
+
+async fn consume_daily_quota_mysql(
+    tx: &mut sqlx::Transaction<'_, sqlx::MySql>,
+    user_id: &str,
+    request_id: &str,
+    total_cost_usd: f64,
+    wallet_available_usd: Option<f64>,
+    now_unix_secs: i64,
+) -> Result<DailyQuotaDebitResult, DataLayerError> {
+    if total_cost_usd <= 0.0 {
+        return Ok(DailyQuotaDebitResult::default());
+    }
+    let rows = sqlx::query(
+        r#"
+SELECT id, entitlements_snapshot
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND status = 'active'
+  AND starts_at <= ?
+  AND expires_at > ?
+ORDER BY expires_at ASC, created_at ASC, id ASC
+FOR UPDATE
+"#,
+    )
+    .bind(user_id)
+    .bind(now_unix_secs)
+    .bind(now_unix_secs)
+    .fetch_all(&mut **tx)
+    .await
+    .map_sql_err()?;
+    let now = chrono::Utc::now();
+    let mut grants = Vec::new();
+    for row in rows {
+        let entitlement_id: String = row.try_get("id").map_sql_err()?;
+        let entitlements_raw: String = row.try_get("entitlements_snapshot").map_sql_err()?;
+        let entitlements =
+            serde_json::from_str::<serde_json::Value>(&entitlements_raw).map_err(|err| {
+                DataLayerError::UnexpectedValue(format!(
+                    "user_plan_entitlements.entitlements_snapshot invalid json: {err}"
+                ))
+            })?;
+        grants.extend(daily_quota_grants_from_entitlement(
+            &entitlement_id,
+            &entitlements,
+            now,
+        )?);
+    }
+    if grants.is_empty() {
+        return Ok(DailyQuotaDebitResult::default());
+    }
+
+    let mut grants_with_remaining = Vec::new();
+    let mut total_remaining = 0.0;
+    let mut allow_wallet_overage = true;
+    for grant in grants {
+        allow_wallet_overage &= grant.allow_wallet_overage;
+        let used = sqlx::query_scalar::<_, f64>(
+            r#"
+SELECT COALESCE(SUM(amount_usd), 0)
+FROM entitlement_usage_ledgers
+WHERE user_entitlement_id = ?
+  AND usage_date = ?
+"#,
+        )
+        .bind(&grant.entitlement_id)
+        .bind(&grant.usage_date)
+        .fetch_one(&mut **tx)
+        .await
+        .map_sql_err()?;
+        let remaining = (grant.daily_quota_usd - used).max(0.0);
+        total_remaining += remaining;
+        grants_with_remaining.push((grant, remaining));
+    }
+    if !allow_wallet_overage && total_remaining + 0.000_000_01 < total_cost_usd {
+        return Ok(DailyQuotaDebitResult {
+            debited_usd: 0.0,
+            insufficient: true,
+        });
+    }
+    if allow_wallet_overage
+        && wallet_available_usd.is_some_and(|available| {
+            total_remaining + available + SETTLEMENT_EPSILON_USD < total_cost_usd
+        })
+    {
+        return Ok(DailyQuotaDebitResult {
+            debited_usd: 0.0,
+            insufficient: true,
+        });
+    }
+
+    let mut remaining_cost = total_cost_usd;
+    let mut debited = 0.0;
+    for (grant, balance_before) in grants_with_remaining {
+        if remaining_cost <= 0.000_000_01 || balance_before <= 0.0 {
+            continue;
+        }
+        let amount = remaining_cost.min(balance_before);
+        let balance_after = balance_before - amount;
+        sqlx::query(
+            r#"
+INSERT IGNORE INTO entitlement_usage_ledgers (
+  id, user_entitlement_id, user_id, request_id, amount_usd,
+  balance_before, balance_after, usage_date, created_at
+)
+VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?)
+"#,
+        )
+        .bind(uuid::Uuid::new_v4().to_string())
+        .bind(&grant.entitlement_id)
+        .bind(user_id)
+        .bind(request_id)
+        .bind(amount)
+        .bind(balance_before)
+        .bind(balance_after)
+        .bind(&grant.usage_date)
+        .bind(now_unix_secs)
+        .execute(&mut **tx)
+        .await
+        .map_sql_err()?;
+        remaining_cost -= amount;
+        debited += amount;
+    }
+    Ok(DailyQuotaDebitResult {
+        debited_usd: debited,
+        insufficient: false,
+    })
+}
+
 #[async_trait]
 impl SettlementWriteRepository for MysqlSettlementRepository {
     async fn settle_usage(
@@ -161,21 +355,24 @@ impl SettlementWriteRepository for MysqlSettlementRepository {
         };
 
         let current_billing_status: String = usage_row.try_get("billing_status").map_sql_err()?;
-        if current_billing_status == "settled" || current_billing_status == "void" {
+        if matches!(
+            current_billing_status.as_str(),
+            "settled" | "void" | "insufficient_quota"
+        ) {
             let settlement = settlement_from_row(&usage_row)?;
             tx.commit().await.map_sql_err()?;
             return Ok(Some(settlement));
         }
 
-        let final_billing_status = if input.status == "completed" {
-            "settled"
+        let mut final_billing_status = if input.status == "completed" {
+            "settled".to_string()
         } else {
-            "void"
+            "void".to_string()
         };
         let mut settlement = StoredUsageSettlement {
             request_id: input.request_id.clone(),
             wallet_id: None,
-            billing_status: final_billing_status.to_string(),
+            billing_status: final_billing_status.clone(),
             wallet_balance_before: None,
             wallet_balance_after: None,
             wallet_recharge_balance_before: None,
@@ -253,22 +450,101 @@ FOR UPDATE
                 None
             };
 
-            if let Some(wallet_row) = wallet_row {
-                let wallet_id: String = wallet_row.try_get("id").map_sql_err()?;
-                let before_recharge: f64 = wallet_row.try_get("balance").map_sql_err()?;
-                let before_gift: f64 = wallet_row.try_get("gift_balance").map_sql_err()?;
-                let limit_mode: String = wallet_row.try_get("limit_mode").map_sql_err()?;
-                let before_total = before_recharge + before_gift;
-                let mut after_recharge = before_recharge;
-                let mut after_gift = before_gift;
-                if !limit_mode.eq_ignore_ascii_case("unlimited") {
-                    let gift_deduction = before_gift.max(0.0).min(input.total_cost_usd);
-                    let recharge_deduction = input.total_cost_usd - gift_deduction;
-                    after_gift = before_gift - gift_deduction;
-                    after_recharge = before_recharge - recharge_deduction;
+            let wallet_available_usd = match wallet_row.as_ref() {
+                Some(row) => {
+                    let limit_mode: String = row.try_get("limit_mode").map_sql_err()?;
+                    if limit_mode.eq_ignore_ascii_case("unlimited") {
+                        None
+                    } else {
+                        Some(finite_wallet_available_usd(
+                            row.try_get("balance").map_sql_err()?,
+                            row.try_get("gift_balance").map_sql_err()?,
+                        ))
+                    }
                 }
-                sqlx::query(
-                    r#"
+                None => Some(0.0),
+            };
+
+            let wallet_debit_cost_usd = if !api_key_is_standalone {
+                if let Some(user_id) = input.user_id.as_deref().filter(|value| !value.is_empty()) {
+                    let quota = consume_daily_quota_mysql(
+                        &mut tx,
+                        user_id,
+                        &input.request_id,
+                        input.total_cost_usd,
+                        wallet_available_usd,
+                        updated_at,
+                    )
+                    .await?;
+                    if quota.insufficient {
+                        final_billing_status = "insufficient_quota".to_string();
+                        settlement.billing_status = final_billing_status.clone();
+                        0.0
+                    } else {
+                        (input.total_cost_usd - quota.debited_usd).max(0.0)
+                    }
+                } else {
+                    input.total_cost_usd
+                }
+            } else {
+                input.total_cost_usd
+            };
+            if final_billing_status != "settled" {
+                sqlx::query(UPSERT_USAGE_SETTLEMENT_SNAPSHOT_SQL)
+                    .bind(&settlement.request_id)
+                    .bind(&settlement.billing_status)
+                    .bind(settlement.wallet_id.as_deref())
+                    .bind(settlement.wallet_balance_before)
+                    .bind(settlement.wallet_balance_after)
+                    .bind(settlement.wallet_recharge_balance_before)
+                    .bind(settlement.wallet_recharge_balance_after)
+                    .bind(settlement.wallet_gift_balance_before)
+                    .bind(settlement.wallet_gift_balance_after)
+                    .bind(settlement.provider_monthly_used_usd)
+                    .bind(settlement.finalized_at_unix_secs.map(|value| value as i64))
+                    .bind(updated_at)
+                    .bind(updated_at)
+                    .execute(&mut *tx)
+                    .await
+                    .map_sql_err()?;
+                sqlx::query(FINALIZE_USAGE_BILLING_SQL)
+                    .bind(&final_billing_status)
+                    .bind(finalized_at)
+                    .bind(&input.request_id)
+                    .execute(&mut *tx)
+                    .await
+                    .map_sql_err()?;
+                tx.commit().await.map_sql_err()?;
+                return Ok(Some(settlement));
+            }
+
+            if wallet_debit_cost_usd > SETTLEMENT_EPSILON_USD {
+                if let Some(wallet_row) = wallet_row {
+                    let wallet_id: String = wallet_row.try_get("id").map_sql_err()?;
+                    let before_recharge: f64 = wallet_row.try_get("balance").map_sql_err()?;
+                    let before_gift: f64 = wallet_row.try_get("gift_balance").map_sql_err()?;
+                    let limit_mode: String = wallet_row.try_get("limit_mode").map_sql_err()?;
+                    let before_total = before_recharge + before_gift;
+                    let mut after_recharge = before_recharge;
+                    let mut after_gift = before_gift;
+                    if !limit_mode.eq_ignore_ascii_case("unlimited") {
+                        let debit_plan = plan_finite_wallet_debit(
+                            before_recharge,
+                            before_gift,
+                            wallet_debit_cost_usd,
+                        );
+                        if debit_plan.covered_usd() + SETTLEMENT_EPSILON_USD < wallet_debit_cost_usd
+                        {
+                            final_billing_status = "insufficient_quota".to_string();
+                            settlement.billing_status = final_billing_status.clone();
+                        } else {
+                            after_recharge = before_recharge - debit_plan.recharge_deduction;
+                            after_gift = before_gift - debit_plan.gift_deduction;
+                        }
+                    }
+                    if final_billing_status == "settled" {
+                        sqlx::query(
+                            r#"
 UPDATE wallets
 SET
   balance = ?,
@@ -277,23 +553,57 @@ SET
   updated_at = ?
 WHERE id = ?
 "#,
-                )
-                .bind(after_recharge)
-                .bind(after_gift)
-                .bind(input.total_cost_usd)
-                .bind(updated_at)
-                .bind(&wallet_id)
-                .execute(&mut *tx)
-                .await
-                .map_sql_err()?;
+                        )
+                        .bind(after_recharge)
+                        .bind(after_gift)
+                        .bind(wallet_debit_cost_usd)
+                        .bind(updated_at)
+                        .bind(&wallet_id)
+                        .execute(&mut *tx)
+                        .await
+                        .map_sql_err()?;
+                    }
 
-                settlement.wallet_id = Some(wallet_id);
-                settlement.wallet_balance_before = Some(before_total);
-                settlement.wallet_balance_after = Some(after_recharge + after_gift);
-                settlement.wallet_recharge_balance_before = Some(before_recharge);
-                settlement.wallet_recharge_balance_after = Some(after_recharge);
-                settlement.wallet_gift_balance_before = Some(before_gift);
-                settlement.wallet_gift_balance_after = Some(after_gift);
+                    settlement.wallet_id = Some(wallet_id);
+                    settlement.wallet_balance_before = Some(before_total);
+                    settlement.wallet_balance_after = Some(after_recharge + after_gift);
+                    settlement.wallet_recharge_balance_before = Some(before_recharge);
+                    settlement.wallet_recharge_balance_after = Some(after_recharge);
+                    settlement.wallet_gift_balance_before = Some(before_gift);
+                    settlement.wallet_gift_balance_after = Some(after_gift);
+                } else {
+                    final_billing_status = "insufficient_quota".to_string();
+                    settlement.billing_status = final_billing_status.clone();
+                }
+            }
+
+            if final_billing_status != "settled" {
+                sqlx::query(UPSERT_USAGE_SETTLEMENT_SNAPSHOT_SQL)
+                    .bind(&settlement.request_id)
+                    .bind(&settlement.billing_status)
+                    .bind(settlement.wallet_id.as_deref())
+                    .bind(settlement.wallet_balance_before)
+                    .bind(settlement.wallet_balance_after)
+                    .bind(settlement.wallet_recharge_balance_before)
+                    .bind(settlement.wallet_recharge_balance_after)
+                    .bind(settlement.wallet_gift_balance_before)
+                    .bind(settlement.wallet_gift_balance_after)
+                    .bind(settlement.provider_monthly_used_usd)
+                    .bind(settlement.finalized_at_unix_secs.map(|value| value as i64))
+                    .bind(updated_at)
+                    .bind(updated_at)
+                    .execute(&mut *tx)
+                    .await
+                    .map_sql_err()?;
+                sqlx::query(FINALIZE_USAGE_BILLING_SQL)
+                    .bind(&final_billing_status)
+                    .bind(finalized_at)
+                    .bind(&input.request_id)
+                    .execute(&mut *tx)
+                    .await
+                    .map_sql_err()?;
+                tx.commit().await.map_sql_err()?;
+                return Ok(Some(settlement));
             }
 
             if let Some(provider_id) = input
@@ -347,7 +657,7 @@ WHERE id = ?
             .map_sql_err()?;
 
         sqlx::query(FINALIZE_USAGE_BILLING_SQL)
-            .bind(final_billing_status)
+            .bind(&final_billing_status)
             .bind(finalized_at)
             .bind(&input.request_id)
             .execute(&mut *tx)

crates/aether-data/src/repository/settlement/postgres.rs

@@ -1,7 +1,10 @@
 use async_trait::async_trait;
 use sqlx::{PgPool, Row};
 
-use super::{SettlementWriteRepository, StoredUsageSettlement, UsageSettlementInput};
+use super::{
+    finite_wallet_available_usd, plan_finite_wallet_debit, SettlementWriteRepository,
+    StoredUsageSettlement, UsageSettlementInput, SETTLEMENT_EPSILON_USD,
+};
 use crate::driver::postgres::PostgresTransactionRunner;
 use crate::error::SqlxResultExt;
 use crate::DataLayerError;
@@ -190,6 +193,192 @@ where
     Ok(())
 }
 
+#[derive(Debug, Default)]
+struct DailyQuotaDebitResult {
+    debited_usd: f64,
+    insufficient: bool,
+}
+
+#[derive(Debug)]
+struct DailyQuotaGrant {
+    entitlement_id: String,
+    daily_quota_usd: f64,
+    usage_date: String,
+    allow_wallet_overage: bool,
+}
+
+fn daily_quota_usage_date(
+    reset_timezone: Option<&str>,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<String, DataLayerError> {
+    let timezone = reset_timezone
+        .map(str::trim)
+        .filter(|value| !value.is_empty())
+        .unwrap_or("Asia/Shanghai")
+        .parse::<chrono_tz::Tz>()
+        .map_err(|err| DataLayerError::InvalidInput(format!("invalid reset_timezone: {err}")))?;
+    Ok(now.with_timezone(&timezone).date_naive().to_string())
+}
+
+fn daily_quota_grants_from_entitlement(
+    entitlement_id: &str,
+    entitlements: &serde_json::Value,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<Vec<DailyQuotaGrant>, DataLayerError> {
+    let mut grants = Vec::new();
+    let Some(items) = entitlements.as_array() else {
+        return Ok(grants);
+    };
+    for item in items {
+        if item.get("type").and_then(serde_json::Value::as_str) != Some("daily_quota") {
+            continue;
+        }
+        let daily_quota_usd = item
+            .get("daily_quota_usd")
+            .and_then(serde_json::Value::as_f64)
+            .unwrap_or(0.0);
+        if !daily_quota_usd.is_finite() || daily_quota_usd <= 0.0 {
+            continue;
+        }
+        let usage_date = daily_quota_usage_date(
+            item.get("reset_timezone")
+                .and_then(serde_json::Value::as_str),
+            now,
+        )?;
+        grants.push(DailyQuotaGrant {
+            entitlement_id: entitlement_id.to_string(),
+            daily_quota_usd,
+            usage_date,
+            allow_wallet_overage: item
+                .get("allow_wallet_overage")
+                .and_then(serde_json::Value::as_bool)
+                .unwrap_or(false),
+        });
+    }
+    Ok(grants)
+}
+
+async fn consume_daily_quota_postgres(
+    tx: &mut crate::driver::postgres::PostgresTransaction,
+    user_id: &str,
+    request_id: &str,
+    total_cost_usd: f64,
+    wallet_available_usd: Option<f64>,
+) -> Result<DailyQuotaDebitResult, DataLayerError> {
+    if total_cost_usd <= 0.0 {
+        return Ok(DailyQuotaDebitResult::default());
+    }
+    let now = chrono::Utc::now();
+    let entitlement_rows = sqlx::query(
+        r#"
+SELECT id, entitlements_snapshot
+FROM user_plan_entitlements
+WHERE user_id = $1
+  AND status = 'active'
+  AND starts_at <= NOW()
+  AND expires_at > NOW()
+ORDER BY expires_at ASC, created_at ASC, id ASC
+FOR UPDATE
+        "#,
+    )
+    .bind(user_id)
+    .fetch_all(&mut **tx)
+    .await
+    .map_postgres_err()?;
+    let mut grants = Vec::new();
+    for row in entitlement_rows {
+        let entitlement_id: String = row.try_get("id").map_postgres_err()?;
+        let entitlements: serde_json::Value =
+            row.try_get("entitlements_snapshot").map_postgres_err()?;
+        grants.extend(daily_quota_grants_from_entitlement(
+            &entitlement_id,
+            &entitlements,
+            now,
+        )?);
+    }
+    if grants.is_empty() {
+        return Ok(DailyQuotaDebitResult::default());
+    }
+
+    let mut grants_with_remaining = Vec::new();
+    let mut total_remaining = 0.0;
+    let mut allow_wallet_overage = true;
+    for grant in grants {
+        allow_wallet_overage &= grant.allow_wallet_overage;
+        let used = sqlx::query_scalar::<_, Option<f64>>(
+            r#"
+SELECT CAST(COALESCE(SUM(amount_usd), 0) AS DOUBLE PRECISION)
+FROM entitlement_usage_ledgers
+WHERE user_entitlement_id = $1
+  AND usage_date = $2
+            "#,
+        )
+        .bind(&grant.entitlement_id)
+        .bind(&grant.usage_date)
+        .fetch_one(&mut **tx)
+        .await
+        .map_postgres_err()?
+        .unwrap_or(0.0);
+        let remaining = (grant.daily_quota_usd - used).max(0.0);
+        total_remaining += remaining;
+        grants_with_remaining.push((grant, remaining));
+    }
+
+    if !allow_wallet_overage && total_remaining + 0.000_000_01 < total_cost_usd {
+        return Ok(DailyQuotaDebitResult {
+            debited_usd: 0.0,
+            insufficient: true,
+        });
+    }
+    if allow_wallet_overage
+        && wallet_available_usd.is_some_and(|available| {
+            total_remaining + available + SETTLEMENT_EPSILON_USD < total_cost_usd
+        })
+    {
+        return Ok(DailyQuotaDebitResult {
+            debited_usd: 0.0,
+            insufficient: true,
+        });
+    }
+
+    let mut remaining_cost = total_cost_usd;
+    let mut debited = 0.0;
+    for (grant, balance_before) in grants_with_remaining {
+        if remaining_cost <= 0.000_000_01 || balance_before <= 0.0 {
+            continue;
+        }
+        let amount = remaining_cost.min(balance_before);
+        let balance_after = balance_before - amount;
+        sqlx::query(
+            r#"
+INSERT INTO entitlement_usage_ledgers (
+  id, user_entitlement_id, user_id, request_id, amount_usd,
+  balance_before, balance_after, usage_date, created_at
+)
+VALUES ($1, $2, $3, $4, $5, $6, $7, $8, NOW())
+ON CONFLICT (user_entitlement_id, request_id) DO NOTHING
+            "#,
+        )
+        .bind(uuid::Uuid::new_v4().to_string())
+        .bind(&grant.entitlement_id)
+        .bind(user_id)
+        .bind(request_id)
+        .bind(amount)
+        .bind(balance_before)
+        .bind(balance_after)
+        .bind(&grant.usage_date)
+        .execute(&mut **tx)
+        .await
+        .map_postgres_err()?;
+        remaining_cost -= amount;
+        debited += amount;
+    }
+    Ok(DailyQuotaDebitResult {
+        debited_usd: debited,
+        insufficient: false,
+    })
+}
+
 #[async_trait]
 impl SettlementWriteRepository for SqlxSettlementRepository {
     async fn settle_usage(
@@ -212,14 +401,17 @@ impl SettlementWriteRepository for SqlxSettlementRepository {
 
                     let current_billing_status: String =
                         usage_row.try_get("billing_status").map_postgres_err()?;
-                    if current_billing_status == "settled" || current_billing_status == "void" {
+                    if matches!(
+                        current_billing_status.as_str(),
+                        "settled" | "void" | "insufficient_quota"
+                    ) {
                         return settlement_from_row(&usage_row).map(Some);
                     }
 
-                    let final_billing_status = if input.status == "completed" {
-                        "settled"
+                    let mut final_billing_status = if input.status == "completed" {
+                        "settled".to_string()
                     } else {
-                        "void"
+                        "void".to_string()
                     };
                     let finalized_at =
                         i64::try_from(input.finalized_at_unix_secs.unwrap_or_else(|| {
@@ -323,25 +515,92 @@ LIMIT 1
                             None
                         };
 
-                        if let Some(wallet_row) = wallet_row {
-                            let wallet_id: String = wallet_row.try_get("id").map_postgres_err()?;
-                            let before_recharge: f64 =
-                                wallet_row.try_get("balance").map_postgres_err()?;
-                            let before_gift: f64 =
-                                wallet_row.try_get("gift_balance").map_postgres_err()?;
-                            let limit_mode: String =
-                                wallet_row.try_get("limit_mode").map_postgres_err()?;
-                            let before_total = before_recharge + before_gift;
-                            let mut after_recharge = before_recharge;
-                            let mut after_gift = before_gift;
-                            if !limit_mode.eq_ignore_ascii_case("unlimited") {
-                                let gift_deduction = before_gift.max(0.0).min(input.total_cost_usd);
-                                let recharge_deduction = input.total_cost_usd - gift_deduction;
-                                after_gift = before_gift - gift_deduction;
-                                after_recharge = before_recharge - recharge_deduction;
+                        let wallet_available_usd = match wallet_row.as_ref() {
+                            Some(row) => {
+                                let limit_mode: String =
+                                    row.try_get("limit_mode").map_postgres_err()?;
+                                if limit_mode.eq_ignore_ascii_case("unlimited") {
+                                    None
+                                } else {
+                                    Some(finite_wallet_available_usd(
+                                        row.try_get("balance").map_postgres_err()?,
+                                        row.try_get("gift_balance").map_postgres_err()?,
+                                    ))
+                                }
                             }
-                            sqlx::query(
-                                r#"
+                            None => Some(0.0),
+                        };
+
+                        let wallet_debit_cost_usd = if !api_key_is_standalone {
+                            if let Some(user_id) =
+                                input.user_id.as_deref().filter(|value| !value.is_empty())
+                            {
+                                let quota = consume_daily_quota_postgres(
+                                    tx,
+                                    user_id,
+                                    &input.request_id,
+                                    input.total_cost_usd,
+                                    wallet_available_usd,
+                                )
+                                .await?;
+                                if quota.insufficient {
+                                    final_billing_status = "insufficient_quota".to_string();
+                                    settlement.billing_status = final_billing_status.clone();
+                                    0.0
+                                } else {
+                                    (input.total_cost_usd - quota.debited_usd).max(0.0)
+                                }
+                            } else {
+                                input.total_cost_usd
+                            }
+                        } else {
+                            input.total_cost_usd
+                        };
+                        if final_billing_status != "settled" {
+                            sync_usage_settlement_snapshot(&mut **tx, &settlement).await?;
+                            sqlx::query(FINALIZE_USAGE_BILLING_SQL)
+                                .bind(&input.request_id)
+                                .bind(&final_billing_status)
+                                .bind(finalized_at)
+                                .execute(&mut **tx)
+                                .await
+                                .map_postgres_err()?;
+                            return Ok(Some(settlement));
+                        }
+
+                        if wallet_debit_cost_usd > SETTLEMENT_EPSILON_USD {
+                            if let Some(wallet_row) = wallet_row {
+                                let wallet_id: String =
+                                    wallet_row.try_get("id").map_postgres_err()?;
+                                let before_recharge: f64 =
+                                    wallet_row.try_get("balance").map_postgres_err()?;
+                                let before_gift: f64 =
+                                    wallet_row.try_get("gift_balance").map_postgres_err()?;
+                                let limit_mode: String =
+                                    wallet_row.try_get("limit_mode").map_postgres_err()?;
+                                let before_total = before_recharge + before_gift;
+                                let mut after_recharge = before_recharge;
+                                let mut after_gift = before_gift;
+                                if !limit_mode.eq_ignore_ascii_case("unlimited") {
+                                    let debit_plan = plan_finite_wallet_debit(
+                                        before_recharge,
+                                        before_gift,
+                                        wallet_debit_cost_usd,
+                                    );
+                                    if debit_plan.covered_usd() + SETTLEMENT_EPSILON_USD
+                                        < wallet_debit_cost_usd
+                                    {
+                                        final_billing_status = "insufficient_quota".to_string();
+                                        settlement.billing_status = final_billing_status.clone();
+                                    } else {
+                                        after_recharge =
+                                            before_recharge - debit_plan.recharge_deduction;
+                                        after_gift = before_gift - debit_plan.gift_deduction;
+                                    }
+                                }
+                                if final_billing_status == "settled" {
+                                    sqlx::query(
+                                        r#"
 UPDATE wallets
 SET
   balance = $2,
@@ -350,22 +609,39 @@ SET
   updated_at = NOW()
 WHERE id = $1
                                 "#,
-                            )
-                            .bind(&wallet_id)
-                            .bind(after_recharge)
-                            .bind(after_gift)
-                            .bind(input.total_cost_usd)
-                            .execute(&mut **tx)
-                            .await
-                            .map_postgres_err()?;
+                                    )
+                                    .bind(&wallet_id)
+                                    .bind(after_recharge)
+                                    .bind(after_gift)
+                                    .bind(wallet_debit_cost_usd)
+                                    .execute(&mut **tx)
+                                    .await
+                                    .map_postgres_err()?;
+                                }
 
-                            settlement.wallet_id = Some(wallet_id.clone());
-                            settlement.wallet_balance_before = Some(before_total);
-                            settlement.wallet_balance_after = Some(after_recharge + after_gift);
-                            settlement.wallet_recharge_balance_before = Some(before_recharge);
-                            settlement.wallet_recharge_balance_after = Some(after_recharge);
-                            settlement.wallet_gift_balance_before = Some(before_gift);
-                            settlement.wallet_gift_balance_after = Some(after_gift);
+                                settlement.wallet_id = Some(wallet_id.clone());
+                                settlement.wallet_balance_before = Some(before_total);
+                                settlement.wallet_balance_after = Some(after_recharge + after_gift);
+                                settlement.wallet_recharge_balance_before = Some(before_recharge);
+                                settlement.wallet_recharge_balance_after = Some(after_recharge);
+                                settlement.wallet_gift_balance_before = Some(before_gift);
+                                settlement.wallet_gift_balance_after = Some(after_gift);
+                            } else {
+                                final_billing_status = "insufficient_quota".to_string();
+                                settlement.billing_status = final_billing_status.clone();
+                            }
+                        }
+
+                        if final_billing_status != "settled" {
+                            sync_usage_settlement_snapshot(&mut **tx, &settlement).await?;
+                            sqlx::query(FINALIZE_USAGE_BILLING_SQL)
+                                .bind(&input.request_id)
+                                .bind(&final_billing_status)
+                                .bind(finalized_at)
+                                .execute(&mut **tx)
+                                .await
+                                .map_postgres_err()?;
+                            return Ok(Some(settlement));
                         }
 
                         if let Some(provider_id) = input
@@ -396,7 +672,7 @@ RETURNING CAST(monthly_used_usd AS DOUBLE PRECISION) AS monthly_used_usd
                     sync_usage_settlement_snapshot(&mut **tx, &settlement).await?;
                     sqlx::query(FINALIZE_USAGE_BILLING_SQL)
                         .bind(&input.request_id)
-                        .bind(final_billing_status)
+                        .bind(&final_billing_status)
                         .bind(finalized_at)
                         .execute(&mut **tx)
                         .await

crates/aether-data/src/repository/settlement/sqlite.rs

@@ -1,7 +1,10 @@
 use async_trait::async_trait;
 use sqlx::{sqlite::SqliteRow, Row};
 
-use super::{SettlementWriteRepository, StoredUsageSettlement, UsageSettlementInput};
+use super::{
+    finite_wallet_available_usd, plan_finite_wallet_debit, SettlementWriteRepository,
+    StoredUsageSettlement, UsageSettlementInput, SETTLEMENT_EPSILON_USD,
+};
 use crate::driver::sqlite::{sqlite_optional_real, sqlite_real, SqlitePool};
 use crate::error::SqlResultExt;
 use crate::DataLayerError;
@@ -147,6 +150,196 @@ fn now_unix_secs() -> Result<i64, DataLayerError> {
     .map_err(|_| DataLayerError::InvalidInput("timestamp overflow".to_string()))
 }
 
+#[derive(Debug, Default)]
+struct DailyQuotaDebitResult {
+    debited_usd: f64,
+    insufficient: bool,
+}
+
+#[derive(Debug)]
+struct DailyQuotaGrant {
+    entitlement_id: String,
+    daily_quota_usd: f64,
+    usage_date: String,
+    allow_wallet_overage: bool,
+}
+
+fn daily_quota_usage_date(
+    reset_timezone: Option<&str>,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<String, DataLayerError> {
+    let timezone = reset_timezone
+        .map(str::trim)
+        .filter(|value| !value.is_empty())
+        .unwrap_or("Asia/Shanghai")
+        .parse::<chrono_tz::Tz>()
+        .map_err(|err| DataLayerError::InvalidInput(format!("invalid reset_timezone: {err}")))?;
+    Ok(now.with_timezone(&timezone).date_naive().to_string())
+}
+
+fn daily_quota_grants_from_entitlement(
+    entitlement_id: &str,
+    entitlements: &serde_json::Value,
+    now: chrono::DateTime<chrono::Utc>,
+) -> Result<Vec<DailyQuotaGrant>, DataLayerError> {
+    let mut grants = Vec::new();
+    let Some(items) = entitlements.as_array() else {
+        return Ok(grants);
+    };
+    for item in items {
+        if item.get("type").and_then(serde_json::Value::as_str) != Some("daily_quota") {
+            continue;
+        }
+        let daily_quota_usd = item
+            .get("daily_quota_usd")
+            .and_then(serde_json::Value::as_f64)
+            .unwrap_or(0.0);
+        if !daily_quota_usd.is_finite() || daily_quota_usd <= 0.0 {
+            continue;
+        }
+        grants.push(DailyQuotaGrant {
+            entitlement_id: entitlement_id.to_string(),
+            daily_quota_usd,
+            usage_date: daily_quota_usage_date(
+                item.get("reset_timezone")
+                    .and_then(serde_json::Value::as_str),
+                now,
+            )?,
+            allow_wallet_overage: item
+                .get("allow_wallet_overage")
+                .and_then(serde_json::Value::as_bool)
+                .unwrap_or(false),
+        });
+    }
+    Ok(grants)
+}
+
+async fn consume_daily_quota_sqlite(
+    tx: &mut sqlx::Transaction<'_, sqlx::Sqlite>,
+    user_id: &str,
+    request_id: &str,
+    total_cost_usd: f64,
+    wallet_available_usd: Option<f64>,
+    now_unix_secs: i64,
+) -> Result<DailyQuotaDebitResult, DataLayerError> {
+    if total_cost_usd <= 0.0 {
+        return Ok(DailyQuotaDebitResult::default());
+    }
+    let rows = sqlx::query(
+        r#"
+SELECT id, entitlements_snapshot
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND status = 'active'
+  AND starts_at <= ?
+  AND expires_at > ?
+ORDER BY expires_at ASC, created_at ASC, id ASC
+"#,
+    )
+    .bind(user_id)
+    .bind(now_unix_secs)
+    .bind(now_unix_secs)
+    .fetch_all(&mut **tx)
+    .await
+    .map_sql_err()?;
+    let now = chrono::Utc::now();
+    let mut grants = Vec::new();
+    for row in rows {
+        let entitlement_id: String = row.try_get("id").map_sql_err()?;
+        let entitlements_raw: String = row.try_get("entitlements_snapshot").map_sql_err()?;
+        let entitlements =
+            serde_json::from_str::<serde_json::Value>(&entitlements_raw).map_err(|err| {
+                DataLayerError::UnexpectedValue(format!(
+                    "user_plan_entitlements.entitlements_snapshot invalid json: {err}"
+                ))
+            })?;
+        grants.extend(daily_quota_grants_from_entitlement(
+            &entitlement_id,
+            &entitlements,
+            now,
+        )?);
+    }
+    if grants.is_empty() {
+        return Ok(DailyQuotaDebitResult::default());
+    }
+
+    let mut grants_with_remaining = Vec::new();
+    let mut total_remaining = 0.0;
+    let mut allow_wallet_overage = true;
+    for grant in grants {
+        allow_wallet_overage &= grant.allow_wallet_overage;
+        let used = sqlx::query_scalar::<_, f64>(
+            r#"
+SELECT COALESCE(SUM(amount_usd), 0)
+FROM entitlement_usage_ledgers
+WHERE user_entitlement_id = ?
+  AND usage_date = ?
+"#,
+        )
+        .bind(&grant.entitlement_id)
+        .bind(&grant.usage_date)
+        .fetch_one(&mut **tx)
+        .await
+        .map_sql_err()?;
+        let remaining = (grant.daily_quota_usd - used).max(0.0);
+        total_remaining += remaining;
+        grants_with_remaining.push((grant, remaining));
+    }
+    if !allow_wallet_overage && total_remaining + 0.000_000_01 < total_cost_usd {
+        return Ok(DailyQuotaDebitResult {
+            debited_usd: 0.0,
+            insufficient: true,
+        });
+    }
+    if allow_wallet_overage
+        && wallet_available_usd.is_some_and(|available| {
+            total_remaining + available + SETTLEMENT_EPSILON_USD < total_cost_usd
+        })
+    {
+        return Ok(DailyQuotaDebitResult {
+            debited_usd: 0.0,
+            insufficient: true,
+        });
+    }
+
+    let mut remaining_cost = total_cost_usd;
+    let mut debited = 0.0;
+    for (grant, balance_before) in grants_with_remaining {
+        if remaining_cost <= 0.000_000_01 || balance_before <= 0.0 {
+            continue;
+        }
+        let amount = remaining_cost.min(balance_before);
+        let balance_after = balance_before - amount;
+        sqlx::query(
+            r#"
+INSERT OR IGNORE INTO entitlement_usage_ledgers (
+  id, user_entitlement_id, user_id, request_id, amount_usd,
+  balance_before, balance_after, usage_date, created_at
+)
+VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?)
+"#,
+        )
+        .bind(uuid::Uuid::new_v4().to_string())
+        .bind(&grant.entitlement_id)
+        .bind(user_id)
+        .bind(request_id)
+        .bind(amount)
+        .bind(balance_before)
+        .bind(balance_after)
+        .bind(&grant.usage_date)
+        .bind(now_unix_secs)
+        .execute(&mut **tx)
+        .await
+        .map_sql_err()?;
+        remaining_cost -= amount;
+        debited += amount;
+    }
+    Ok(DailyQuotaDebitResult {
+        debited_usd: debited,
+        insufficient: false,
+    })
+}
+
 #[async_trait]
 impl SettlementWriteRepository for SqliteSettlementRepository {
     async fn settle_usage(
@@ -175,21 +368,24 @@ impl SettlementWriteRepository for SqliteSettlementRepository {
         };
 
         let current_billing_status: String = usage_row.try_get("billing_status").map_sql_err()?;
-        if current_billing_status == "settled" || current_billing_status == "void" {
+        if matches!(
+            current_billing_status.as_str(),
+            "settled" | "void" | "insufficient_quota"
+        ) {
             let settlement = settlement_from_row(&usage_row)?;
             tx.commit().await.map_sql_err()?;
             return Ok(Some(settlement));
         }
 
-        let final_billing_status = if input.status == "completed" {
-            "settled"
+        let mut final_billing_status = if input.status == "completed" {
+            "settled".to_string()
         } else {
-            "void"
+            "void".to_string()
         };
         let mut settlement = StoredUsageSettlement {
             request_id: input.request_id.clone(),
             wallet_id: None,
-            billing_status: final_billing_status.to_string(),
+            billing_status: final_billing_status.clone(),
             wallet_balance_before: None,
             wallet_balance_after: None,
             wallet_recharge_balance_before: None,
@@ -265,22 +461,101 @@ LIMIT 1
                 None
             };
 
-            if let Some(wallet_row) = wallet_row {
-                let wallet_id: String = wallet_row.try_get("id").map_sql_err()?;
-                let before_recharge = sqlite_real(&wallet_row, "balance")?;
-                let before_gift = sqlite_real(&wallet_row, "gift_balance")?;
-                let limit_mode: String = wallet_row.try_get("limit_mode").map_sql_err()?;
-                let before_total = before_recharge + before_gift;
-                let mut after_recharge = before_recharge;
-                let mut after_gift = before_gift;
-                if !limit_mode.eq_ignore_ascii_case("unlimited") {
-                    let gift_deduction = before_gift.max(0.0).min(input.total_cost_usd);
-                    let recharge_deduction = input.total_cost_usd - gift_deduction;
-                    after_gift = before_gift - gift_deduction;
-                    after_recharge = before_recharge - recharge_deduction;
+            let wallet_available_usd = match wallet_row.as_ref() {
+                Some(row) => {
+                    let limit_mode: String = row.try_get("limit_mode").map_sql_err()?;
+                    if limit_mode.eq_ignore_ascii_case("unlimited") {
+                        None
+                    } else {
+                        Some(finite_wallet_available_usd(
+                            sqlite_real(row, "balance")?,
+                            sqlite_real(row, "gift_balance")?,
+                        ))
+                    }
                 }
-                sqlx::query(
-                    r#"
+                None => Some(0.0),
+            };
+
+            let wallet_debit_cost_usd = if !api_key_is_standalone {
+                if let Some(user_id) = input.user_id.as_deref().filter(|value| !value.is_empty()) {
+                    let quota = consume_daily_quota_sqlite(
+                        &mut tx,
+                        user_id,
+                        &input.request_id,
+                        input.total_cost_usd,
+                        wallet_available_usd,
+                        updated_at,
+                    )
+                    .await?;
+                    if quota.insufficient {
+                        final_billing_status = "insufficient_quota".to_string();
+                        settlement.billing_status = final_billing_status.clone();
+                        0.0
+                    } else {
+                        (input.total_cost_usd - quota.debited_usd).max(0.0)
+                    }
+                } else {
+                    input.total_cost_usd
+                }
+            } else {
+                input.total_cost_usd
+            };
+            if final_billing_status != "settled" {
+                sqlx::query(UPSERT_USAGE_SETTLEMENT_SNAPSHOT_SQL)
+                    .bind(&settlement.request_id)
+                    .bind(&settlement.billing_status)
+                    .bind(settlement.wallet_id.as_deref())
+                    .bind(settlement.wallet_balance_before)
+                    .bind(settlement.wallet_balance_after)
+                    .bind(settlement.wallet_recharge_balance_before)
+                    .bind(settlement.wallet_recharge_balance_after)
+                    .bind(settlement.wallet_gift_balance_before)
+                    .bind(settlement.wallet_gift_balance_after)
+                    .bind(settlement.provider_monthly_used_usd)
+                    .bind(settlement.finalized_at_unix_secs.map(|value| value as i64))
+                    .bind(updated_at)
+                    .bind(updated_at)
+                    .execute(&mut *tx)
+                    .await
+                    .map_sql_err()?;
+                sqlx::query(FINALIZE_USAGE_BILLING_SQL)
+                    .bind(&final_billing_status)
+                    .bind(finalized_at)
+                    .bind(&input.request_id)
+                    .execute(&mut *tx)
+                    .await
+                    .map_sql_err()?;
+                tx.commit().await.map_sql_err()?;
+                return Ok(Some(settlement));
+            }
+
+            if wallet_debit_cost_usd > SETTLEMENT_EPSILON_USD {
+                if let Some(wallet_row) = wallet_row {
+                    let wallet_id: String = wallet_row.try_get("id").map_sql_err()?;
+                    let before_recharge = sqlite_real(&wallet_row, "balance")?;
+                    let before_gift = sqlite_real(&wallet_row, "gift_balance")?;
+                    let limit_mode: String = wallet_row.try_get("limit_mode").map_sql_err()?;
+                    let before_total = before_recharge + before_gift;
+                    let mut after_recharge = before_recharge;
+                    let mut after_gift = before_gift;
+                    if !limit_mode.eq_ignore_ascii_case("unlimited") {
+                        let debit_plan = plan_finite_wallet_debit(
+                            before_recharge,
+                            before_gift,
+                            wallet_debit_cost_usd,
+                        );
+                        if debit_plan.covered_usd() + SETTLEMENT_EPSILON_USD < wallet_debit_cost_usd
+                        {
+                            final_billing_status = "insufficient_quota".to_string();
+                            settlement.billing_status = final_billing_status.clone();
+                        } else {
+                            after_recharge = before_recharge - debit_plan.recharge_deduction;
+                            after_gift = before_gift - debit_plan.gift_deduction;
+                        }
+                    }
+                    if final_billing_status == "settled" {
+                        sqlx::query(
+                            r#"
 UPDATE wallets
 SET
   balance = ?,
@@ -289,23 +564,57 @@ SET
   updated_at = ?
 WHERE id = ?
 "#,
-                )
-                .bind(after_recharge)
-                .bind(after_gift)
-                .bind(input.total_cost_usd)
-                .bind(updated_at)
-                .bind(&wallet_id)
-                .execute(&mut *tx)
-                .await
-                .map_sql_err()?;
+                        )
+                        .bind(after_recharge)
+                        .bind(after_gift)
+                        .bind(wallet_debit_cost_usd)
+                        .bind(updated_at)
+                        .bind(&wallet_id)
+                        .execute(&mut *tx)
+                        .await
+                        .map_sql_err()?;
+                    }
 
-                settlement.wallet_id = Some(wallet_id);
-                settlement.wallet_balance_before = Some(before_total);
-                settlement.wallet_balance_after = Some(after_recharge + after_gift);
-                settlement.wallet_recharge_balance_before = Some(before_recharge);
-                settlement.wallet_recharge_balance_after = Some(after_recharge);
-                settlement.wallet_gift_balance_before = Some(before_gift);
-                settlement.wallet_gift_balance_after = Some(after_gift);
+                    settlement.wallet_id = Some(wallet_id);
+                    settlement.wallet_balance_before = Some(before_total);
+                    settlement.wallet_balance_after = Some(after_recharge + after_gift);
+                    settlement.wallet_recharge_balance_before = Some(before_recharge);
+                    settlement.wallet_recharge_balance_after = Some(after_recharge);
+                    settlement.wallet_gift_balance_before = Some(before_gift);
+                    settlement.wallet_gift_balance_after = Some(after_gift);
+                } else {
+                    final_billing_status = "insufficient_quota".to_string();
+                    settlement.billing_status = final_billing_status.clone();
+                }
+            }
+
+            if final_billing_status != "settled" {
+                sqlx::query(UPSERT_USAGE_SETTLEMENT_SNAPSHOT_SQL)
+                    .bind(&settlement.request_id)
+                    .bind(&settlement.billing_status)
+                    .bind(settlement.wallet_id.as_deref())
+                    .bind(settlement.wallet_balance_before)
+                    .bind(settlement.wallet_balance_after)
+                    .bind(settlement.wallet_recharge_balance_before)
+                    .bind(settlement.wallet_recharge_balance_after)
+                    .bind(settlement.wallet_gift_balance_before)
+                    .bind(settlement.wallet_gift_balance_after)
+                    .bind(settlement.provider_monthly_used_usd)
+                    .bind(settlement.finalized_at_unix_secs.map(|value| value as i64))
+                    .bind(updated_at)
+                    .bind(updated_at)
+                    .execute(&mut *tx)
+                    .await
+                    .map_sql_err()?;
+                sqlx::query(FINALIZE_USAGE_BILLING_SQL)
+                    .bind(&final_billing_status)
+                    .bind(finalized_at)
+                    .bind(&input.request_id)
+                    .execute(&mut *tx)
+                    .await
+                    .map_sql_err()?;
+                tx.commit().await.map_sql_err()?;
+                return Ok(Some(settlement));
             }
 
             if let Some(provider_id) = input
@@ -360,7 +669,7 @@ WHERE id = ?
             .map_sql_err()?;
 
         sqlx::query(FINALIZE_USAGE_BILLING_SQL)
-            .bind(final_billing_status)
+            .bind(&final_billing_status)
             .bind(finalized_at)
             .bind(&input.request_id)
             .execute(&mut *tx)
@@ -413,8 +722,8 @@ mod tests {
         assert_eq!(settlement.wallet_id.as_deref(), Some("wallet-1"));
         assert_eq!(settlement.wallet_balance_before, Some(12.0));
         assert_eq!(settlement.wallet_balance_after, Some(9.0));
-        assert_eq!(settlement.wallet_recharge_balance_after, Some(9.0));
-        assert_eq!(settlement.wallet_gift_balance_after, Some(0.0));
+        assert_eq!(settlement.wallet_recharge_balance_after, Some(7.0));
+        assert_eq!(settlement.wallet_gift_balance_after, Some(2.0));
         assert_eq!(settlement.provider_monthly_used_usd, Some(7.0));
 
         let wallet = sqlx::query(
@@ -423,8 +732,8 @@ mod tests {
         .fetch_one(&pool)
         .await
         .expect("wallet should load");
-        assert_eq!(wallet.try_get::<f64, _>("balance").unwrap(), 9.0);
-        assert_eq!(wallet.try_get::<f64, _>("gift_balance").unwrap(), 0.0);
+        assert_eq!(wallet.try_get::<f64, _>("balance").unwrap(), 7.0);
+        assert_eq!(wallet.try_get::<f64, _>("gift_balance").unwrap(), 2.0);
         assert_eq!(wallet.try_get::<f64, _>("total_consumed").unwrap(), 3.0);
 
         let second = repository

crates/aether-data/src/repository/wallet/memory.rs

@@ -9,10 +9,10 @@ use super::types::{
     AdminRedeemCodeBatchListQuery, AdminRedeemCodeListQuery, AdminWalletLedgerQuery,
     AdminWalletListQuery, AdminWalletRefundRequestListQuery, CompleteAdminWalletRefundInput,
     CreateAdminRedeemCodeBatchInput, CreateAdminRedeemCodeBatchResult,
-    CreateManualWalletRechargeInput, CreateWalletRechargeOrderInput,
-    CreateWalletRechargeOrderOutcome, CreateWalletRefundRequestInput,
-    CreateWalletRefundRequestOutcome, CreatedAdminRedeemCodePlaintext,
-    CreditAdminPaymentOrderInput, DeleteAdminRedeemCodeBatchInput,
+    CreateManualWalletRechargeInput, CreatePlanPurchaseOrderInput, CreatePlanPurchaseOrderOutcome,
+    CreateWalletRechargeOrderInput, CreateWalletRechargeOrderOutcome,
+    CreateWalletRefundRequestInput, CreateWalletRefundRequestOutcome,
+    CreatedAdminRedeemCodePlaintext, CreditAdminPaymentOrderInput, DeleteAdminRedeemCodeBatchInput,
     DisableAdminRedeemCodeBatchInput, DisableAdminRedeemCodeInput, FailAdminWalletRefundInput,
     ProcessAdminWalletRefundInput, ProcessPaymentCallbackInput, ProcessPaymentCallbackOutcome,
     RedeemWalletCodeInput, RedeemWalletCodeOutcome, StoredAdminPaymentCallback,
@@ -947,6 +947,118 @@ impl WalletWriteRepository for InMemoryWalletRepository {
         Ok(CreateWalletRechargeOrderOutcome::Created(order))
     }
 
+    async fn create_plan_purchase_order(
+        &self,
+        input: CreatePlanPurchaseOrderInput,
+    ) -> Result<CreatePlanPurchaseOrderOutcome, DataLayerError> {
+        let wallet_id = {
+            let wallets = self.wallets_by_id.read().expect("wallet repo lock");
+            let Some(wallet) = wallets
+                .values()
+                .find(|wallet| wallet.user_id.as_deref() == Some(input.user_id.as_str()))
+            else {
+                return Ok(CreatePlanPurchaseOrderOutcome::WalletInactive);
+            };
+            if wallet.status != "active" {
+                return Ok(CreatePlanPurchaseOrderOutcome::WalletInactive);
+            }
+            wallet.id.clone()
+        };
+        let max_active_per_user = input
+            .product_snapshot
+            .get("max_active_per_user")
+            .and_then(serde_json::Value::as_i64)
+            .unwrap_or(1)
+            .max(1);
+        let purchase_limit_scope = input
+            .product_snapshot
+            .get("purchase_limit_scope")
+            .and_then(serde_json::Value::as_str)
+            .unwrap_or("active_period");
+        if purchase_limit_scope != "unlimited" {
+            let now_secs = current_unix_secs();
+            let existing_count = self
+                .payment_orders_by_id
+                .read()
+                .expect("wallet repo lock")
+                .values()
+                .filter(|order| order.user_id.as_deref() == Some(input.user_id.as_str()))
+                .filter(|order| {
+                    let Some(gateway_response) = order.gateway_response.as_ref() else {
+                        return false;
+                    };
+                    gateway_response
+                        .get("order_kind")
+                        .and_then(serde_json::Value::as_str)
+                        == Some("plan_purchase")
+                        && gateway_response
+                            .get("product_id")
+                            .and_then(serde_json::Value::as_str)
+                            == Some(input.product_id.as_str())
+                })
+                .filter(|order| {
+                    if order.status == "pending" {
+                        return order
+                            .expires_at_unix_secs
+                            .is_some_and(|expires_at| expires_at > now_secs);
+                    }
+                    if purchase_limit_scope == "lifetime" {
+                        return order.status == "credited";
+                    }
+                    order.status == "credited"
+                        && order
+                            .expires_at_unix_secs
+                            .is_some_and(|expires_at| expires_at > now_secs)
+                })
+                .count() as i64;
+            if existing_count >= max_active_per_user {
+                return Ok(CreatePlanPurchaseOrderOutcome::ActivePlanLimitReached);
+            }
+        }
+        let mut gateway_response = match input.gateway_response {
+            serde_json::Value::Object(map) => map,
+            value => {
+                let mut map = serde_json::Map::new();
+                map.insert("raw".to_string(), value);
+                map
+            }
+        };
+        gateway_response.insert(
+            "order_kind".to_string(),
+            serde_json::Value::String("plan_purchase".to_string()),
+        );
+        gateway_response.insert(
+            "product_id".to_string(),
+            serde_json::Value::String(input.product_id),
+        );
+        gateway_response.insert("product_snapshot".to_string(), input.product_snapshot);
+        let order = StoredAdminPaymentOrder {
+            id: format!("payment-order-{}", uuid::Uuid::new_v4()),
+            order_no: input.order_no,
+            wallet_id,
+            user_id: Some(input.user_id),
+            amount_usd: input.amount_usd,
+            pay_amount: Some(input.pay_amount),
+            pay_currency: Some(input.pay_currency),
+            exchange_rate: Some(input.exchange_rate),
+            refunded_amount_usd: 0.0,
+            refundable_amount_usd: 0.0,
+            payment_method: input.payment_method,
+            gateway_order_id: Some(input.gateway_order_id),
+            gateway_response: Some(serde_json::Value::Object(gateway_response)),
+            status: "pending".to_string(),
+            created_at_unix_ms: current_unix_ms(),
+            paid_at_unix_secs: None,
+            credited_at_unix_secs: None,
+            expires_at_unix_secs: Some(input.expires_at_unix_secs),
+        };
+        self.payment_orders_by_id
+            .write()
+            .expect("wallet repo lock")
+            .insert(order.id.clone(), order.clone());
+        Ok(CreatePlanPurchaseOrderOutcome::Created(order))
+    }
+
     async fn create_wallet_refund_request(
         &self,
         input: CreateWalletRefundRequestInput,
@@ -1541,9 +1653,11 @@ impl WalletWriteRepository for InMemoryWalletRepository {
 mod tests {
     use super::{InMemoryWalletRepository, WalletReadSeed};
     use crate::repository::wallet::{
-        AdminWalletListQuery, StoredAdminPaymentOrder, StoredAdminWalletRefund,
-        StoredWalletSnapshot, WalletLookupKey, WalletReadRepository,
+        AdminWalletListQuery, CreatePlanPurchaseOrderInput, CreatePlanPurchaseOrderOutcome,
+        StoredAdminPaymentOrder, StoredAdminWalletRefund, StoredWalletSnapshot, WalletLookupKey,
+        WalletReadRepository, WalletWriteRepository,
     };
+    use serde_json::json;
 
     fn sample_wallet() -> StoredWalletSnapshot {
         StoredWalletSnapshot::new(
@@ -1762,6 +1876,110 @@ mod tests {
         assert!(history.items.is_empty());
     }
 
+    #[tokio::test]
+    async fn lifetime_plan_purchase_blocks_duplicate_pending_order_in_memory() {
+        let repository = InMemoryWalletRepository::seed(vec![sample_wallet()]);
+        let snapshot = json!({
+            "id": "first-plan",
+            "duration_unit": "month",
+            "duration_value": 1,
+            "max_active_per_user": 1,
+            "purchase_limit_scope": "lifetime",
+            "entitlements": [
+                {
+                    "type": "wallet_credit",
+                    "amount_usd": 1.0,
+                    "balance_bucket": "gift"
+                }
+            ]
+        });
+
+        let first = repository
+            .create_plan_purchase_order(CreatePlanPurchaseOrderInput {
+                preferred_wallet_id: None,
+                user_id: "user-1".to_string(),
+                amount_usd: 1.0,
+                pay_amount: 7.2,
+                pay_currency: "CNY".to_string(),
+                exchange_rate: 7.2,
+                payment_method: "alipay".to_string(),
+                payment_provider: Some("epay".to_string()),
+                payment_channel: Some("alipay".to_string()),
+                gateway_order_id: "gateway-first-plan-1".to_string(),
+                gateway_response: json!({ "checkout": true }),
+                order_no: "order-first-plan-1".to_string(),
+                product_id: "first-plan".to_string(),
+                product_snapshot: snapshot.clone(),
+                expires_at_unix_secs: 4_102_444_800,
+            })
+            .await
+            .expect("first plan purchase should resolve");
+        assert!(matches!(first, CreatePlanPurchaseOrderOutcome::Created(_)));
+
+        let duplicate = repository
+            .create_plan_purchase_order(CreatePlanPurchaseOrderInput {
+                preferred_wallet_id: None,
+                user_id: "user-1".to_string(),
+                amount_usd: 1.0,
+                pay_amount: 7.2,
+                pay_currency: "CNY".to_string(),
+                exchange_rate: 7.2,
+                payment_method: "alipay".to_string(),
+                payment_provider: Some("epay".to_string()),
+                payment_channel: Some("alipay".to_string()),
+                gateway_order_id: "gateway-first-plan-2".to_string(),
+                gateway_response: json!({ "checkout": true }),
+                order_no: "order-first-plan-2".to_string(),
+                product_id: "first-plan".to_string(),
+                product_snapshot: snapshot,
+                expires_at_unix_secs: 4_102_444_800,
+            })
+            .await
+            .expect("duplicate plan purchase should resolve");
+        assert!(matches!(
+            duplicate,
+            CreatePlanPurchaseOrderOutcome::ActivePlanLimitReached
+        ));
+
+        let unlimited_snapshot = json!({
+            "id": "unlimited-plan",
+            "duration_unit": "month",
+            "duration_value": 1,
+            "max_active_per_user": 1,
+            "purchase_limit_scope": "unlimited",
+            "entitlements": [
+                {
+                    "type": "wallet_credit",
+                    "amount_usd": 1.0,
+                    "balance_bucket": "gift"
+                }
+            ]
+        });
+        for index in 1..=2 {
+            let order = repository
+                .create_plan_purchase_order(CreatePlanPurchaseOrderInput {
+                    preferred_wallet_id: None,
+                    user_id: "user-1".to_string(),
+                    amount_usd: 1.0,
+                    pay_amount: 7.2,
+                    pay_currency: "CNY".to_string(),
+                    exchange_rate: 7.2,
+                    payment_method: "alipay".to_string(),
+                    payment_provider: Some("epay".to_string()),
+                    payment_channel: Some("alipay".to_string()),
+                    gateway_order_id: format!("gateway-unlimited-plan-{index}"),
+                    gateway_response: json!({ "checkout": true }),
+                    order_no: format!("order-unlimited-plan-{index}"),
+                    product_id: "unlimited-plan".to_string(),
+                    product_snapshot: unlimited_snapshot.clone(),
+                    expires_at_unix_secs: 4_102_444_800,
+                })
+                .await
+                .expect("unlimited plan purchase should resolve");
+            assert!(matches!(order, CreatePlanPurchaseOrderOutcome::Created(_)));
+        }
+    }
+
     #[tokio::test]
     async fn counts_pending_user_refunds_and_payment_orders() {
         let repository = InMemoryWalletRepository::seed_read_model(WalletReadSeed {

crates/aether-data/src/repository/wallet/mod.rs

@@ -15,9 +15,10 @@ pub use types::{
     AdminWalletRefundRequestListQuery, AdminWalletTransactionRecord,
     CompleteAdminWalletRefundInput, CreateAdminRedeemCodeBatchInput,
     CreateAdminRedeemCodeBatchResult, CreateManualWalletRechargeInput,
-    CreateWalletRechargeOrderInput, CreateWalletRechargeOrderOutcome,
-    CreateWalletRefundRequestInput, CreateWalletRefundRequestOutcome,
-    CreatedAdminRedeemCodePlaintext, CreditAdminPaymentOrderInput, DeleteAdminRedeemCodeBatchInput,
+    CreatePlanPurchaseOrderInput, CreatePlanPurchaseOrderOutcome, CreateWalletRechargeOrderInput,
+    CreateWalletRechargeOrderOutcome, CreateWalletRefundRequestInput,
+    CreateWalletRefundRequestOutcome, CreatedAdminRedeemCodePlaintext,
+    CreditAdminPaymentOrderInput, DeleteAdminRedeemCodeBatchInput,
     DisableAdminRedeemCodeBatchInput, DisableAdminRedeemCodeInput, FailAdminWalletRefundInput,
     ProcessAdminWalletRefundInput, ProcessPaymentCallbackInput, ProcessPaymentCallbackOutcome,
     RedeemWalletCodeInput, RedeemWalletCodeOutcome, StoredAdminPaymentCallback,

crates/aether-data/src/repository/wallet/mysql.rs

@@ -11,10 +11,10 @@ use super::{
     AdminRedeemCodeListQuery, AdminWalletLedgerQuery, AdminWalletListQuery,
     AdminWalletRefundRequestListQuery, CompleteAdminWalletRefundInput,
     CreateAdminRedeemCodeBatchInput, CreateAdminRedeemCodeBatchResult,
-    CreateManualWalletRechargeInput, CreateWalletRechargeOrderInput,
-    CreateWalletRechargeOrderOutcome, CreateWalletRefundRequestInput,
-    CreateWalletRefundRequestOutcome, CreatedAdminRedeemCodePlaintext,
-    CreditAdminPaymentOrderInput, DeleteAdminRedeemCodeBatchInput,
+    CreateManualWalletRechargeInput, CreatePlanPurchaseOrderInput, CreatePlanPurchaseOrderOutcome,
+    CreateWalletRechargeOrderInput, CreateWalletRechargeOrderOutcome,
+    CreateWalletRefundRequestInput, CreateWalletRefundRequestOutcome,
+    CreatedAdminRedeemCodePlaintext, CreditAdminPaymentOrderInput, DeleteAdminRedeemCodeBatchInput,
     DisableAdminRedeemCodeBatchInput, DisableAdminRedeemCodeInput, FailAdminWalletRefundInput,
     InMemoryWalletRepository, ProcessAdminWalletRefundInput, ProcessPaymentCallbackInput,
     ProcessPaymentCallbackOutcome, RedeemWalletCodeInput, RedeemWalletCodeOutcome,
@@ -75,6 +75,7 @@ FROM wallets
 SELECT
   id, order_no, wallet_id, user_id, amount_usd, pay_amount, pay_currency,
   exchange_rate, refunded_amount_usd, refundable_amount_usd, payment_method,
+  payment_provider, payment_channel, order_kind, product_id, product_snapshot,
   gateway_order_id, gateway_response, status,
   created_at AS created_at_unix_ms,
   paid_at AS paid_at_unix_secs,
@@ -653,9 +654,10 @@ VALUES (?, ?, 0, 0, 'finite', 'USD', 'active', 0, 0, 0, 0, ?, ?)
 INSERT INTO payment_orders (
   id, order_no, wallet_id, user_id, amount_usd, pay_amount, pay_currency,
   exchange_rate, refunded_amount_usd, refundable_amount_usd, payment_method,
+  payment_provider, payment_channel, order_kind, fulfillment_status,
   gateway_order_id, gateway_response, status, created_at, expires_at
 )
-VALUES (?, ?, ?, ?, ?, ?, ?, ?, 0, 0, ?, ?, ?, 'pending', ?, ?)
+VALUES (?, ?, ?, ?, ?, ?, ?, ?, 0, 0, ?, ?, ?, 'wallet_recharge', 'pending', ?, ?, 'pending', ?, ?)
 "#,
         )
         .bind(&order_id)
@@ -667,6 +669,8 @@ VALUES (?, ?, ?, ?, ?, ?, ?, ?, 0, 0, ?, ?, ?, 'pending', ?, ?)
         .bind(input.pay_currency.as_deref())
         .bind(input.exchange_rate)
         .bind(&input.payment_method)
+        .bind(input.payment_provider.as_deref())
+        .bind(input.payment_channel.as_deref())
         .bind(&input.gateway_order_id)
         .bind(gateway_response)
         .bind(now)
@@ -682,6 +686,163 @@ VALUES (?, ?, ?, ?, ?, ?, ?, ?, 0, 0, ?, ?, ?, 'pending', ?, ?)
         ))
     }
 
+    async fn create_plan_purchase_order(
+        &self,
+        input: CreatePlanPurchaseOrderInput,
+    ) -> Result<CreatePlanPurchaseOrderOutcome, DataLayerError> {
+        let now = current_unix_secs_i64();
+        let expires_at = i64::try_from(input.expires_at_unix_secs).map_err(|_| {
+            DataLayerError::InvalidInput("plan purchase expires_at overflow".to_string())
+        })?;
+        let gateway_response =
+            json_string(&input.gateway_response, "payment_orders.gateway_response")?;
+        let product_snapshot =
+            json_string(&input.product_snapshot, "payment_orders.product_snapshot")?;
+        let mut tx = self.pool.begin().await.map_sql_err()?;
+
+        let wallet_row = sqlx::query(
+            r#"
+SELECT id, status
+FROM wallets
+WHERE user_id = ?
+LIMIT 1
+FOR UPDATE
+"#,
+        )
+        .bind(&input.user_id)
+        .fetch_optional(&mut *tx)
+        .await
+        .map_sql_err()?;
+        let (wallet_id, wallet_status) = if let Some(row) = wallet_row {
+            (get::<String>(&row, "id")?, get::<String>(&row, "status")?)
+        } else {
+            let wallet_id = input
+                .preferred_wallet_id
+                .clone()
+                .unwrap_or_else(|| uuid::Uuid::new_v4().to_string());
+            sqlx::query(
+                r#"
+INSERT INTO wallets (
+  id, user_id, balance, gift_balance, limit_mode, currency, status,
+  total_recharged, total_consumed, total_refunded, total_adjusted,
+  created_at, updated_at
+)
+VALUES (?, ?, 0, 0, 'finite', 'USD', 'active', 0, 0, 0, 0, ?, ?)
+"#,
+            )
+            .bind(&wallet_id)
+            .bind(&input.user_id)
+            .bind(now)
+            .bind(now)
+            .execute(&mut *tx)
+            .await
+            .map_sql_err()?;
+            (wallet_id, "active".to_string())
+        };
+        if wallet_status != "active" {
+            tx.commit().await.map_sql_err()?;
+            return Ok(CreatePlanPurchaseOrderOutcome::WalletInactive);
+        }
+
+        let purchase_limit_scope = plan_purchase_limit_scope(&input.product_snapshot);
+        if purchase_limit_scope != "unlimited" {
+            let max_active_per_user = plan_max_active_per_user(&input.product_snapshot);
+            let mut active_count = if purchase_limit_scope == "lifetime" {
+                sqlx::query_scalar::<_, i64>(
+                    r#"
+SELECT COUNT(*)
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND plan_id = ?
+  AND status = 'active'
+"#,
+                )
+                .bind(&input.user_id)
+                .bind(&input.product_id)
+                .fetch_one(&mut *tx)
+                .await
+                .map_sql_err()?
+            } else {
+                sqlx::query_scalar::<_, i64>(
+                    r#"
+SELECT COUNT(*)
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND plan_id = ?
+  AND status = 'active'
+  AND expires_at > ?
+"#,
+                )
+                .bind(&input.user_id)
+                .bind(&input.product_id)
+                .bind(now)
+                .fetch_one(&mut *tx)
+                .await
+                .map_sql_err()?
+            };
+            active_count += sqlx::query_scalar::<_, i64>(
+                r#"
+	SELECT COUNT(*)
+	FROM payment_orders
+	WHERE user_id = ?
+	  AND product_id = ?
+	  AND order_kind = 'plan_purchase'
+	  AND status = 'pending'
+	  AND expires_at > ?
+	"#,
+            )
+            .bind(&input.user_id)
+            .bind(&input.product_id)
+            .bind(now)
+            .fetch_one(&mut *tx)
+            .await
+            .map_sql_err()?;
+            if active_count >= max_active_per_user {
+                tx.commit().await.map_sql_err()?;
+                return Ok(CreatePlanPurchaseOrderOutcome::ActivePlanLimitReached);
+            }
+        }
+
+        let order_id = uuid::Uuid::new_v4().to_string();
+        sqlx::query(
+            r#"
+INSERT INTO payment_orders (
+  id, order_no, wallet_id, user_id, amount_usd, pay_amount, pay_currency,
+  exchange_rate, refunded_amount_usd, refundable_amount_usd, payment_method,
+  payment_provider, payment_channel, order_kind, product_id, product_snapshot,
+  fulfillment_status, gateway_order_id, gateway_response, status, created_at, expires_at
+)
+VALUES (?, ?, ?, ?, ?, ?, ?, ?, 0, 0, ?, ?, ?, 'plan_purchase', ?, ?, 'pending', ?, ?, 'pending', ?, ?)
+"#,
+        )
+        .bind(&order_id)
+        .bind(&input.order_no)
+        .bind(&wallet_id)
+        .bind(&input.user_id)
+        .bind(input.amount_usd)
+        .bind(input.pay_amount)
+        .bind(&input.pay_currency)
+        .bind(input.exchange_rate)
+        .bind(&input.payment_method)
+        .bind(input.payment_provider.as_deref())
+        .bind(input.payment_channel.as_deref())
+        .bind(&input.product_id)
+        .bind(product_snapshot)
+        .bind(&input.gateway_order_id)
+        .bind(gateway_response)
+        .bind(now)
+        .bind(expires_at)
+        .execute(&mut *tx)
+        .await
+        .map_sql_err()?;
+
+        let row = mysql_payment_order_by_id(&mut tx, &order_id).await?;
+        tx.commit().await.map_sql_err()?;
+        Ok(CreatePlanPurchaseOrderOutcome::Created(
+            map_payment_order_row(&row)?,
+        ))
+    }
+
     async fn create_wallet_refund_request(
         &self,
         input: CreateWalletRefundRequestInput,
@@ -949,11 +1110,22 @@ VALUES (?, NULL, ?, ?, ?, ?, ?, ?, 'received', ?, NULL, ?, NULL)
         let order_no: String = get(&order_row, "order_no")?;
         let order_wallet_id: String = get(&order_row, "wallet_id")?;
         let order_payment_method: String = get(&order_row, "payment_method")?;
+        let order_payment_provider: Option<String> = get(&order_row, "payment_provider")?;
+        let order_payment_channel: Option<String> = get(&order_row, "payment_channel")?;
+        let order_kind: String = get(&order_row, "order_kind")?;
         let order_amount_usd: f64 = get(&order_row, "amount_usd")?;
+        let order_pay_amount: Option<f64> = get(&order_row, "pay_amount")?;
         let order_status: String = get(&order_row, "status")?;
         let expires_at_unix_secs: Option<i64> = get(&order_row, "expires_at_unix_secs")?;
 
-        if (input.amount_usd - order_amount_usd).abs() > f64::EPSILON {
+        let amount_matches = if let (Some(callback_pay_amount), Some(order_pay_amount)) =
+            (input.pay_amount, order_pay_amount)
+        {
+            (callback_pay_amount - order_pay_amount).abs() <= 0.01
+        } else {
+            (input.amount_usd - order_amount_usd).abs() <= f64::EPSILON
+        };
+        if !amount_matches {
             update_mysql_payment_callback_failure(
                 &mut tx,
                 &callback_id,
@@ -983,6 +1155,46 @@ VALUES (?, NULL, ?, ?, ?, ?, ?, ?, 'received', ?, NULL, ?, NULL)
                 error: "payment method mismatch".to_string(),
             });
         }
+        if let Some(expected_provider) = input.payment_provider.as_deref() {
+            if order_payment_provider
+                .as_deref()
+                .is_some_and(|value| !value.eq_ignore_ascii_case(expected_provider))
+            {
+                update_mysql_payment_callback_failure(
+                    &mut tx,
+                    &callback_id,
+                    &input,
+                    &payload,
+                    "payment provider mismatch",
+                )
+                .await?;
+                tx.commit().await.map_sql_err()?;
+                return Ok(ProcessPaymentCallbackOutcome::Failed {
+                    duplicate,
+                    error: "payment provider mismatch".to_string(),
+                });
+            }
+        }
+        if let Some(expected_channel) = input.payment_channel.as_deref() {
+            if order_payment_channel
+                .as_deref()
+                .is_some_and(|value| !value.eq_ignore_ascii_case(expected_channel))
+            {
+                update_mysql_payment_callback_failure(
+                    &mut tx,
+                    &callback_id,
+                    &input,
+                    &payload,
+                    "payment channel mismatch",
+                )
+                .await?;
+                tx.commit().await.map_sql_err()?;
+                return Ok(ProcessPaymentCallbackOutcome::Failed {
+                    duplicate,
+                    error: "payment channel mismatch".to_string(),
+                });
+            }
+        }
         if order_status == "credited" {
             mark_mysql_payment_callback_processed(
                 &mut tx,
@@ -1029,6 +1241,185 @@ VALUES (?, NULL, ?, ?, ?, ?, ?, ?, 'received', ?, NULL, ?, NULL)
             });
         }
 
+        if order_kind == "plan_purchase" {
+            let order_user_id: Option<String> = get(&order_row, "user_id")?;
+            let Some(user_id) = order_user_id else {
+                update_mysql_payment_callback_failure(
+                    &mut tx,
+                    &callback_id,
+                    &input,
+                    &payload,
+                    "payment order user missing",
+                )
+                .await?;
+                tx.commit().await.map_sql_err()?;
+                return Ok(ProcessPaymentCallbackOutcome::Failed {
+                    duplicate,
+                    error: "payment order user missing".to_string(),
+                });
+            };
+            let product_id: Option<String> = get(&order_row, "product_id")?;
+            let snapshot = optional_json(
+                get::<Option<String>>(&order_row, "product_snapshot")?,
+                "payment_orders.product_snapshot",
+            )?
+            .unwrap_or_else(|| serde_json::json!({}));
+            let plan_id = product_id.unwrap_or_else(|| {
+                snapshot
+                    .get("id")
+                    .and_then(|value| value.as_str())
+                    .unwrap_or("unknown")
+                    .to_string()
+            });
+            let entitlements = plan_entitlements_snapshot(&snapshot);
+            let existing_entitlement_id = sqlx::query_scalar::<_, String>(
+                "SELECT id FROM user_plan_entitlements WHERE payment_order_id = ? LIMIT 1",
+            )
+            .bind(&order_id)
+            .fetch_optional(&mut *tx)
+            .await
+            .map_sql_err()?;
+            if existing_entitlement_id.is_none() {
+                sqlx::query("SELECT id FROM wallets WHERE id = ? LIMIT 1 FOR UPDATE")
+                    .bind(&order_wallet_id)
+                    .fetch_optional(&mut *tx)
+                    .await
+                    .map_sql_err()?;
+                let purchase_limit_scope = plan_purchase_limit_scope(&snapshot);
+                if purchase_limit_scope != "unlimited" {
+                    let max_active_per_user = plan_max_active_per_user(&snapshot);
+                    let active_count = if purchase_limit_scope == "lifetime" {
+                        sqlx::query_scalar::<_, i64>(
+                            r#"
+SELECT COUNT(*)
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND plan_id = ?
+  AND status = 'active'
+                    "#,
+                        )
+                        .bind(&user_id)
+                        .bind(&plan_id)
+                        .fetch_one(&mut *tx)
+                        .await
+                        .map_sql_err()?
+                    } else {
+                        sqlx::query_scalar::<_, i64>(
+                            r#"
+SELECT COUNT(*)
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND plan_id = ?
+  AND status = 'active'
+  AND expires_at > ?
+                    "#,
+                        )
+                        .bind(&user_id)
+                        .bind(&plan_id)
+                        .bind(now)
+                        .fetch_one(&mut *tx)
+                        .await
+                        .map_sql_err()?
+                    };
+                    if active_count >= max_active_per_user {
+                        update_mysql_payment_callback_failure(
+                            &mut tx,
+                            &callback_id,
+                            &input,
+                            &payload,
+                            "plan purchase limit reached",
+                        )
+                        .await?;
+                        tx.commit().await.map_sql_err()?;
+                        return Ok(ProcessPaymentCallbackOutcome::Failed {
+                            duplicate,
+                            error: "plan purchase limit reached".to_string(),
+                        });
+                    }
+                }
+                replace_matching_plan_entitlements_mysql(&mut tx, &user_id, &snapshot, now).await?;
+                sqlx::query(
+                    r#"
+INSERT INTO user_plan_entitlements (
+  id, user_id, plan_id, payment_order_id, status, starts_at, expires_at,
+  entitlements_snapshot, created_at, updated_at
+)
+VALUES (?, ?, ?, ?, 'active', ?, ?, ?, ?, ?)
+                    "#,
+                )
+                .bind(uuid::Uuid::new_v4().to_string())
+                .bind(&user_id)
+                .bind(&plan_id)
+                .bind(&order_id)
+                .bind(now)
+                .bind(plan_expires_at_unix(&snapshot, now))
+                .bind(json_string(
+                    &entitlements,
+                    "user_plan_entitlements.entitlements_snapshot",
+                )?)
+                .bind(now)
+                .bind(now)
+                .execute(&mut *tx)
+                .await
+                .map_sql_err()?;
+                apply_plan_wallet_credit_mysql(
+                    &mut tx,
+                    &order_wallet_id,
+                    &order_id,
+                    &input.payment_method,
+                    &entitlements,
+                    now,
+                )
+                .await?;
+            }
+            sqlx::query(
+                r#"
+UPDATE payment_orders
+SET gateway_order_id = COALESCE(?, gateway_order_id),
+    gateway_response = ?,
+    pay_amount = COALESCE(?, pay_amount),
+    pay_currency = COALESCE(?, pay_currency),
+    exchange_rate = COALESCE(?, exchange_rate),
+    status = 'credited',
+    fulfillment_status = 'fulfilled',
+    fulfillment_error = NULL,
+    paid_at = COALESCE(paid_at, ?),
+    credited_at = ?,
+    refundable_amount_usd = 0
+WHERE id = ?
+                "#,
+            )
+            .bind(input.gateway_order_id.as_deref())
+            .bind(&payload)
+            .bind(input.pay_amount)
+            .bind(input.pay_currency.as_deref())
+            .bind(input.exchange_rate)
+            .bind(now)
+            .bind(now)
+            .bind(&order_id)
+            .execute(&mut *tx)
+            .await
+            .map_sql_err()?;
+            let updated_order_row = mysql_payment_order_by_id(&mut tx, &order_id).await?;
+            mark_mysql_payment_callback_processed(
+                &mut tx,
+                &callback_id,
+                &input,
+                &payload,
+                &order_id,
+                &order_no,
+            )
+            .await?;
+            tx.commit().await.map_sql_err()?;
+            return Ok(ProcessPaymentCallbackOutcome::Applied {
+                duplicate,
+                order_id,
+                order_no,
+                wallet_id: order_wallet_id,
+                order: map_payment_order_row(&updated_order_row)?,
+            });
+        }
+
         let Some(wallet_row) = sqlx::query(
             r#"
 SELECT id, status, balance, gift_balance
@@ -1912,6 +2303,173 @@ WHERE id = ? AND wallet_id = ?
             ));
         }
 
+        let order_kind: String = get(&order_row, "order_kind")?;
+        if order_kind == "plan_purchase" {
+            let order_user_id: Option<String> = get(&order_row, "user_id")?;
+            let Some(user_id) = order_user_id else {
+                tx.commit().await.map_sql_err()?;
+                return Ok(WalletMutationOutcome::Invalid(
+                    "payment order user missing".to_string(),
+                ));
+            };
+            let product_id: Option<String> = get(&order_row, "product_id")?;
+            let snapshot = optional_json(
+                get::<Option<String>>(&order_row, "product_snapshot")?,
+                "payment_orders.product_snapshot",
+            )?
+            .unwrap_or_else(|| serde_json::json!({}));
+            let plan_id = product_id.unwrap_or_else(|| {
+                snapshot
+                    .get("id")
+                    .and_then(|value| value.as_str())
+                    .unwrap_or("unknown")
+                    .to_string()
+            });
+            let entitlements = plan_entitlements_snapshot(&snapshot);
+            let existing_entitlement_id = sqlx::query_scalar::<_, String>(
+                "SELECT id FROM user_plan_entitlements WHERE payment_order_id = ? LIMIT 1",
+            )
+            .bind(&input.order_id)
+            .fetch_optional(&mut *tx)
+            .await
+            .map_sql_err()?;
+            if existing_entitlement_id.is_none() {
+                let purchase_limit_scope = plan_purchase_limit_scope(&snapshot);
+                if purchase_limit_scope != "unlimited" {
+                    let max_active_per_user = plan_max_active_per_user(&snapshot);
+                    let active_count = if purchase_limit_scope == "lifetime" {
+                        sqlx::query_scalar::<_, i64>(
+                            r#"
+SELECT COUNT(*)
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND plan_id = ?
+  AND status = 'active'
+                    "#,
+                        )
+                        .bind(&user_id)
+                        .bind(&plan_id)
+                        .fetch_one(&mut *tx)
+                        .await
+                        .map_sql_err()?
+                    } else {
+                        sqlx::query_scalar::<_, i64>(
+                            r#"
+SELECT COUNT(*)
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND plan_id = ?
+  AND status = 'active'
+  AND expires_at > ?
+                    "#,
+                        )
+                        .bind(&user_id)
+                        .bind(&plan_id)
+                        .bind(now)
+                        .fetch_one(&mut *tx)
+                        .await
+                        .map_sql_err()?
+                    };
+                    if active_count >= max_active_per_user {
+                        tx.commit().await.map_sql_err()?;
+                        return Ok(WalletMutationOutcome::Invalid(
+                            "plan purchase limit reached".to_string(),
+                        ));
+                    }
+                }
+                replace_matching_plan_entitlements_mysql(&mut tx, &user_id, &snapshot, now).await?;
+                sqlx::query(
+                    r#"
+INSERT INTO user_plan_entitlements (
+  id, user_id, plan_id, payment_order_id, status, starts_at, expires_at,
+  entitlements_snapshot, created_at, updated_at
+)
+VALUES (?, ?, ?, ?, 'active', ?, ?, ?, ?, ?)
+                    "#,
+                )
+                .bind(uuid::Uuid::new_v4().to_string())
+                .bind(&user_id)
+                .bind(&plan_id)
+                .bind(&input.order_id)
+                .bind(now)
+                .bind(plan_expires_at_unix(&snapshot, now))
+                .bind(json_string(
+                    &entitlements,
+                    "user_plan_entitlements.entitlements_snapshot",
+                )?)
+                .bind(now)
+                .bind(now)
+                .execute(&mut *tx)
+                .await
+                .map_sql_err()?;
+                apply_plan_wallet_credit_mysql(
+                    &mut tx,
+                    &order.wallet_id,
+                    &input.order_id,
+                    &order.payment_method,
+                    &entitlements,
+                    now,
+                )
+                .await?;
+            }
+
+            let mut gateway_response = payment_gateway_response_map(order.gateway_response.clone());
+            if let Some(serde_json::Value::Object(map)) = input.gateway_response_patch.clone() {
+                gateway_response.extend(map);
+            }
+            gateway_response.insert("manual_credit".to_string(), serde_json::Value::Bool(true));
+            gateway_response.insert(
+                "credited_by".to_string(),
+                input
+                    .operator_id
+                    .clone()
+                    .map(serde_json::Value::String)
+                    .unwrap_or(serde_json::Value::Null),
+            );
+            let gateway_response = json_string(
+                &serde_json::Value::Object(gateway_response),
+                "payment_orders.gateway_response",
+            )?;
+            let next_gateway_order_id = input.gateway_order_id.clone().or(order.gateway_order_id);
+            let next_pay_amount = input.pay_amount.or(order.pay_amount);
+            let next_pay_currency = input.pay_currency.clone().or(order.pay_currency);
+            let next_exchange_rate = input.exchange_rate.or(order.exchange_rate);
+            let next_paid_at = order.paid_at_unix_secs.unwrap_or(now as u64) as i64;
+
+            sqlx::query(
+                r#"
+UPDATE payment_orders
+SET gateway_order_id = ?,
+    gateway_response = ?,
+    pay_amount = ?,
+    pay_currency = ?,
+    exchange_rate = ?,
+    status = 'credited',
+    fulfillment_status = 'fulfilled',
+    fulfillment_error = NULL,
+    paid_at = ?,
+    credited_at = ?,
+    refundable_amount_usd = 0
+WHERE id = ?
+"#,
+            )
+            .bind(next_gateway_order_id.as_deref())
+            .bind(&gateway_response)
+            .bind(next_pay_amount)
+            .bind(next_pay_currency.as_deref())
+            .bind(next_exchange_rate)
+            .bind(next_paid_at)
+            .bind(now)
+            .bind(&input.order_id)
+            .execute(&mut *tx)
+            .await
+            .map_sql_err()?;
+            let order =
+                map_payment_order_row(&mysql_payment_order_by_id(&mut tx, &input.order_id).await?)?;
+            tx.commit().await.map_sql_err()?;
+            return Ok(WalletMutationOutcome::Applied((order, true)));
+        }
+
         let Some(wallet_row) = mysql_wallet_by_id_for_update(&mut tx, &order.wallet_id).await?
         else {
             tx.commit().await.map_sql_err()?;
@@ -2592,6 +3150,240 @@ fn json_string(value: &serde_json::Value, field_name: &str) -> Result<String, Da
     })
 }
 
+fn plan_entitlements_snapshot(snapshot: &serde_json::Value) -> serde_json::Value {
+    snapshot
+        .get("entitlements")
+        .or_else(|| snapshot.get("entitlements_json"))
+        .cloned()
+        .unwrap_or_else(|| serde_json::json!([]))
+}
+
+fn plan_max_active_per_user(snapshot: &serde_json::Value) -> i64 {
+    snapshot
+        .get("max_active_per_user")
+        .and_then(|value| value.as_i64())
+        .unwrap_or(1)
+        .max(1)
+}
+
+fn plan_purchase_limit_scope(snapshot: &serde_json::Value) -> &str {
+    match snapshot
+        .get("purchase_limit_scope")
+        .and_then(|value| value.as_str())
+    {
+        Some("lifetime") => "lifetime",
+        Some("unlimited") => "unlimited",
+        _ => "active_period",
+    }
+}
+
+fn plan_replacement_entitlement_types(snapshot: &serde_json::Value) -> Vec<&'static str> {
+    let entitlements = plan_entitlements_snapshot(snapshot);
+    let mut kinds = Vec::new();
+    if entitlement_snapshot_has_type(&entitlements, "daily_quota") {
+        kinds.push("daily_quota");
+    }
+    if entitlement_snapshot_has_type(&entitlements, "membership_group") {
+        kinds.push("membership_group");
+    }
+    kinds
+}
+
+fn entitlement_snapshot_has_type(snapshot: &serde_json::Value, entitlement_type: &str) -> bool {
+    snapshot.as_array().is_some_and(|items| {
+        items
+            .iter()
+            .any(|item| item.get("type").and_then(|value| value.as_str()) == Some(entitlement_type))
+    })
+}
+
+async fn replace_matching_plan_entitlements_mysql(
+    tx: &mut sqlx::Transaction<'_, sqlx::MySql>,
+    user_id: &str,
+    snapshot: &serde_json::Value,
+    now: i64,
+) -> Result<(), DataLayerError> {
+    let replacement_types = plan_replacement_entitlement_types(snapshot);
+    if replacement_types.is_empty() {
+        return Ok(());
+    }
+
+    let rows = sqlx::query(
+        r#"
+SELECT id, entitlements_snapshot
+FROM user_plan_entitlements
+WHERE user_id = ?
+  AND status = 'active'
+  AND expires_at > ?
+        "#,
+    )
+    .bind(user_id)
+    .bind(now)
+    .fetch_all(&mut **tx)
+    .await
+    .map_sql_err()?;
+
+    for row in rows {
+        let entitlements = optional_json(
+            get::<Option<String>>(&row, "entitlements_snapshot")?,
+            "user_plan_entitlements.entitlements_snapshot",
+        )?
+        .unwrap_or_else(|| serde_json::json!([]));
+        let should_replace = replacement_types
+            .iter()
+            .any(|kind| entitlement_snapshot_has_type(&entitlements, kind));
+        if !should_replace {
+            continue;
+        }
+        let entitlement_id: String = get(&row, "id")?;
+        sqlx::query(
+            r#"
+UPDATE user_plan_entitlements
+SET status = 'replaced',
+    expires_at = CASE WHEN expires_at > ? THEN ? ELSE expires_at END,
+    updated_at = ?
+WHERE id = ?
+  AND status = 'active'
+  AND expires_at > ?
+        "#,
+        )
+        .bind(now)
+        .bind(now)
+        .bind(now)
+        .bind(entitlement_id)
+        .bind(now)
+        .execute(&mut **tx)
+        .await
+        .map_sql_err()?;
+    }
+    Ok(())
+}
+
+fn plan_expires_at_unix(snapshot: &serde_json::Value, starts_at_unix_secs: i64) -> i64 {
+    let duration_value = snapshot
+        .get("duration_value")
+        .and_then(|value| value.as_i64())
+        .unwrap_or(1)
+        .max(1);
+    let days = match snapshot
+        .get("duration_unit")
+        .and_then(|value| value.as_str())
+        .unwrap_or("month")
+    {
+        "day" | "custom" => duration_value,
+        "year" => 365 * duration_value,
+        _ => 30 * duration_value,
+    };
+    starts_at_unix_secs.saturating_add(days.saturating_mul(86_400))
+}
+
+async fn apply_plan_wallet_credit_mysql(
+    tx: &mut sqlx::Transaction<'_, sqlx::MySql>,
+    wallet_id: &str,
+    order_id: &str,
+    payment_method: &str,
+    entitlements: &serde_json::Value,
+    now: i64,
+) -> Result<(), DataLayerError> {
+    let credits = entitlements
+        .as_array()
+        .into_iter()
+        .flatten()
+        .filter(|item| item.get("type").and_then(|value| value.as_str()) == Some("wallet_credit"))
+        .filter_map(|item| {
+            let amount = item.get("amount_usd").and_then(|value| value.as_f64())?;
+            if amount <= 0.0 || !amount.is_finite() {
+                return None;
+            }
+            let bucket = item
+                .get("balance_bucket")
+                .and_then(|value| value.as_str())
+                .unwrap_or("gift")
+                .to_ascii_lowercase();
+            Some((amount, bucket))
+        })
+        .collect::<Vec<_>>();
+    if credits.is_empty() {
+        return Ok(());
+    }
+    let Some(wallet_row) = sqlx::query(
+        "SELECT id, status, balance, gift_balance FROM wallets WHERE id = ? LIMIT 1 FOR UPDATE",
+    )
+    .bind(wallet_id)
+    .fetch_optional(&mut **tx)
+    .await
+    .map_sql_err()?
+    else {
+        return Err(DataLayerError::UnexpectedValue(
+            "wallet not found for plan wallet_credit".to_string(),
+        ));
+    };
+    let status: String = get(&wallet_row, "status")?;
+    if status != "active" {
+        return Err(DataLayerError::UnexpectedValue(
+            "wallet is not active for plan wallet_credit".to_string(),
+        ));
+    }
+    let mut recharge_balance: f64 = get(&wallet_row, "balance")?;
+    let mut gift_balance: f64 = get(&wallet_row, "gift_balance")?;
+    for (amount, bucket) in credits {
+        let before_recharge = recharge_balance;
+        let before_gift = gift_balance;
+        let before_total = before_recharge + before_gift;
+        let credits_recharge = bucket == "recharge";
+        if credits_recharge {
+            recharge_balance += amount;
+        } else {
+            gift_balance += amount;
+        }
+        let after_total = recharge_balance + gift_balance;
+        sqlx::query(
+            r#"
+UPDATE wallets
+SET balance = ?,
+    gift_balance = ?,
+    total_recharged = total_recharged + ?,
+    updated_at = ?
+WHERE id = ?
+            "#,
+        )
+        .bind(recharge_balance)
+        .bind(gift_balance)
+        .bind(if credits_recharge { amount } else { 0.0 })
+        .bind(now)
+        .bind(wallet_id)
+        .execute(&mut **tx)
+        .await
+        .map_sql_err()?;
+        sqlx::query(
+            r#"
+INSERT INTO wallet_transactions (
+  id, wallet_id, category, reason_code, amount, balance_before, balance_after,
+  recharge_balance_before, recharge_balance_after, gift_balance_before,
+  gift_balance_after, link_type, link_id, operator_id, description, created_at
+)
+VALUES (?, ?, 'recharge', 'plan_wallet_credit', ?, ?, ?, ?, ?, ?, ?, 'payment_order', ?, NULL, ?, ?)
+            "#,
+        )
+        .bind(uuid::Uuid::new_v4().to_string())
+        .bind(wallet_id)
+        .bind(amount)
+        .bind(before_total)
+        .bind(after_total)
+        .bind(before_recharge)
+        .bind(recharge_balance)
+        .bind(before_gift)
+        .bind(gift_balance)
+        .bind(order_id)
+        .bind(format!("套餐附赠余额({payment_method})"))
+        .bind(now)
+        .execute(&mut **tx)
+        .await
+        .map_sql_err()?;
+    }
+    Ok(())
+}
+
 fn default_refund_mode_for_payment_method(payment_method: &str) -> &'static str {
     if matches!(
         payment_method,
@@ -2752,6 +3544,7 @@ fn payment_order_select_sql(where_clause: &str) -> String {
 SELECT
   id, order_no, wallet_id, user_id, amount_usd, pay_amount, pay_currency,
   exchange_rate, refunded_amount_usd, refundable_amount_usd, payment_method,
+  payment_provider, payment_channel, order_kind, product_id, product_snapshot,
   gateway_order_id, gateway_response, status,
   created_at AS created_at_unix_ms,
   paid_at AS paid_at_unix_secs,

crates/aether-data/src/repository/wallet/types.rs

@@ -606,6 +606,8 @@ pub struct CreateWalletRechargeOrderInput {
     pub pay_currency: Option<String>,
     pub exchange_rate: Option<f64>,
     pub payment_method: String,
+    pub payment_provider: Option<String>,
+    pub payment_channel: Option<String>,
     pub gateway_order_id: String,
     pub gateway_response: serde_json::Value,
     pub order_no: String,
@@ -619,6 +621,33 @@ pub enum CreateWalletRechargeOrderOutcome {
     WalletInactive,
 }
 
+#[derive(Debug, Clone, PartialEq, serde::Serialize, serde::Deserialize)]
+pub struct CreatePlanPurchaseOrderInput {
+    pub preferred_wallet_id: Option<String>,
+    pub user_id: String,
+    pub amount_usd: f64,
+    pub pay_amount: f64,
+    pub pay_currency: String,
+    pub exchange_rate: f64,
+    pub payment_method: String,
+    pub payment_provider: Option<String>,
+    pub payment_channel: Option<String>,
+    pub gateway_order_id: String,
+    pub gateway_response: serde_json::Value,
+    pub order_no: String,
+    pub product_id: String,
+    pub product_snapshot: serde_json::Value,
+    pub expires_at_unix_secs: u64,
+}
+
+#[derive(Debug, Clone, PartialEq, serde::Serialize, serde::Deserialize)]
+#[allow(clippy::large_enum_variant)]
+pub enum CreatePlanPurchaseOrderOutcome {
+    Created(StoredAdminPaymentOrder),
+    WalletInactive,
+    ActivePlanLimitReached,
+}
+
 #[derive(Debug, Clone, PartialEq, serde::Serialize, serde::Deserialize)]
 pub struct CreateWalletRefundRequestInput {
     pub wallet_id: String,
@@ -648,6 +677,8 @@ pub enum CreateWalletRefundRequestOutcome {
 #[derive(Debug, Clone, PartialEq, serde::Serialize, serde::Deserialize)]
 pub struct ProcessPaymentCallbackInput {
     pub payment_method: String,
+    pub payment_provider: Option<String>,
+    pub payment_channel: Option<String>,
     pub callback_key: String,
     pub order_no: Option<String>,
     pub gateway_order_id: Option<String>,
@@ -932,6 +963,16 @@ pub trait WalletWriteRepository: Send + Sync {
         input: CreateWalletRechargeOrderInput,
     ) -> Result<CreateWalletRechargeOrderOutcome, crate::DataLayerError>;
 
+    async fn create_plan_purchase_order(
+        &self,
+        input: CreatePlanPurchaseOrderInput,
+    ) -> Result<CreatePlanPurchaseOrderOutcome, crate::DataLayerError> {
+        let _ = input;
+        Err(crate::DataLayerError::InvalidInput(
+            "plan purchase order creation is not available".to_string(),
+        ))
+    }
+
     async fn create_wallet_refund_request(
         &self,
         input: CreateWalletRefundRequestInput,