diff --git a/AGENTS.md b/AGENTS.md
index 8bd0e39..7e2b30f 100644
--- a/AGENTS.md
+++ b/AGENTS.md
@@ -3,3 +3,11 @@
 
 This version has breaking changes — APIs, conventions, and file structure may all differ from your training data. Read the relevant guide in `node_modules/next/dist/docs/` before writing any code. Heed deprecation notices.
 <!-- END:nextjs-agent-rules -->
+
+## Learned User Preferences
+
+- 玩家端信用盘文案与钱包盘区分：不用「派彩」口径，中奖走账期结算语义；提示语避免生硬重复「信用盘」字样。
+
+## Learned Workspace Facts
+
+- 信用盘流水对外类型：`win_credit`（中奖释额）、`bill_settlement`（账期收付），与钱包 `prize`/派彩文案分离。
diff --git a/src/app/(player)/login/page.tsx b/src/app/(player)/login/page.tsx
index 0235512..1282559 100644
--- a/src/app/(player)/login/page.tsx
+++ b/src/app/(player)/login/page.tsx
@@ -1,5 +1,16 @@
+import type { ReactNode } from "react";
+import { Suspense } from "react";
+
 import { PlayerLoginScreen } from "@/features/player/player-login-screen";
 
-export default function PlayerLoginPage() {
-  return <PlayerLoginScreen />;
+function LoginFallback(): ReactNode {
+  return <div className="min-h-dvh bg-white" aria-hidden />;
+}
+
+export default function PlayerLoginPage() {
+  return (
+    <Suspense fallback={<LoginFallback />}>
+      <PlayerLoginScreen />
+    </Suspense>
+  );
 }
diff --git a/src/app/(player)/page.tsx b/src/app/(player)/page.tsx
index eded347..b3bb5f8 100644
--- a/src/app/(player)/page.tsx
+++ b/src/app/(player)/page.tsx
@@ -4,11 +4,7 @@ import { Suspense } from "react";
 import { EntryGate } from "@/features/player/entry-gate";
 
 function EntryFallback(): ReactNode {
-  return (
-    <div className="flex min-h-dvh flex-col items-center justify-center bg-gradient-to-b from-red-800 to-red-950 px-4 text-sm text-white/90">
-      <p>Loading...</p>
-    </div>
-  );
+  return <div className="min-h-dvh bg-white" aria-hidden />;
 }
 
 export default function EntryPage() {
diff --git a/src/components/layout/player-bottom-nav.tsx b/src/components/layout/player-bottom-nav.tsx
index 3fd7fa5..259eabc 100644
--- a/src/components/layout/player-bottom-nav.tsx
+++ b/src/components/layout/player-bottom-nav.tsx
@@ -7,7 +7,9 @@ import { BarChart3, ClipboardList, Home, Wallet } from "lucide-react";
 import { useTranslation } from "react-i18next";
 
 import { playerViewportFixedBarClass } from "@/lib/player-viewport";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import { cn } from "@/lib/utils";
+import { usePlayerSessionStore } from "@/stores/player-session-store";
 
 const tabs = [
   {
@@ -34,7 +36,9 @@ const tabs = [
   {
     href: "/wallet",
     labelKey: "nav.wallet",
+    creditLabelKey: "nav.credit",
     labelDefault: "钱包",
+    creditLabelDefault: "信用",
     icon: Wallet,
     match: (p: string) => p === "/wallet" || p.startsWith("/wallet/"),
   },
@@ -46,6 +50,7 @@ const tabs = [
 export function PlayerBottomNav() {
   const pathname = usePathname() ?? "";
   const { t } = useTranslation("player");
+  const creditMode = isCreditFundingPlayer(usePlayerSessionStore((state) => state.profile));
 
   return (
     <nav
@@ -56,9 +61,13 @@ export function PlayerBottomNav() {
       aria-label={t("nav.aria")}
     >
       <div className="grid h-14 w-full grid-cols-4 grid-rows-1">
-        {tabs.map(({ href, labelKey, labelDefault, icon: Icon, match }) => {
+        {tabs.map(({ href, labelKey, labelDefault, icon: Icon, match, ...tab }) => {
           const active = match(pathname);
-          const label = t(labelKey, { defaultValue: labelDefault });
+          const creditLabelKey = "creditLabelKey" in tab ? tab.creditLabelKey : undefined;
+          const creditLabelDefault = "creditLabelDefault" in tab ? tab.creditLabelDefault : undefined;
+          const label = creditMode && creditLabelKey
+            ? t(creditLabelKey, { defaultValue: creditLabelDefault ?? labelDefault })
+            : t(labelKey, { defaultValue: labelDefault });
           return (
             <Link
               key={href}
diff --git a/src/features/hall/hall-wallet-strip.tsx b/src/features/hall/hall-wallet-strip.tsx
index 81372f0..873e0d4 100644
--- a/src/features/hall/hall-wallet-strip.tsx
+++ b/src/features/hall/hall-wallet-strip.tsx
@@ -15,6 +15,7 @@ import {
 import { useActivePlayerCurrency } from "@/hooks/use-active-player-currency";
 import { useApiQuery } from "@/hooks/use-api-query";
 import { formatMinorAsCurrency } from "@/lib/money";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import { PLAYER_CURRENCY_CHANGE_EVENT } from "@/lib/player-currency-preference";
 import { cn } from "@/lib/utils";
 import { useNetworkConnectionStore } from "@/stores/network-connection-store";
@@ -60,15 +61,21 @@ export function HallWalletStrip() {
   }, [isDegraded]);
 
   const availableMinor = Number(balance?.available_balance ?? balance?.balance ?? 0);
-  const isCreditPlayer =
-    balance?.credit_line_mode === true || balance?.funding_mode === "credit";
+  const isCreditPlayer = isCreditFundingPlayer(balance);
   const mainMinor =
     balance?.main_balance === null || balance?.main_balance === undefined
       ? null
       : Number(balance.main_balance);
 
   return (
-    <section className="mb-3 space-y-2.5" aria-label={t("wallet.balance")}>
+    <section
+      className="mb-3 space-y-2.5"
+      aria-label={
+        isCreditPlayer
+          ? t("wallet.creditAvailable", { defaultValue: "可用信用" })
+          : t("wallet.balance")
+      }
+    >
       <div
         className={cn(
           "relative overflow-hidden rounded-xl bg-[#e5002c] px-3 py-3 text-white shadow-[0_10px_28px_rgba(229,0,44,0.25)]",
@@ -87,7 +94,7 @@ export function HallWalletStrip() {
           </div>
           <div className="min-w-0 flex-1">
             <p className="text-sm font-semibold text-white/90">
-              {balance?.credit_line_mode
+              {isCreditPlayer
                 ? t("wallet.creditAvailable", { defaultValue: "可用信用" })
                 : t("wallet.balance")}
             </p>
diff --git a/src/features/orders/ticket-item-status.tsx b/src/features/orders/ticket-item-status.tsx
index 1758ce0..2d8a2d6 100644
--- a/src/features/orders/ticket-item-status.tsx
+++ b/src/features/orders/ticket-item-status.tsx
@@ -5,6 +5,7 @@ export function ticketStatusDisplay(
   winMinor: number,
   jackpotMinor: number,
   t?: (key: string, options?: { defaultValue?: string; status?: string }) => string,
+  creditMode = false,
 ): { label: string; dotClass: string; ring?: boolean } {
   const total = winMinor + jackpotMinor;
   if (status === "partial_failed") {
@@ -32,10 +33,20 @@ export function ticketStatusDisplay(
     };
   }
   if (status === "pending_payout") {
-    return { label: t?.("ticketStatus.pending_payout") ?? status, dotClass: "bg-amber-500" };
+    return {
+      label: creditMode
+        ? t?.("ticketStatus.credit.pending_payout", { defaultValue: "已中奖待结算" }) ?? status
+        : t?.("ticketStatus.pending_payout") ?? status,
+      dotClass: "bg-amber-500",
+    };
   }
   if (status === "settled_win" && total > 0) {
-    return { label: t?.("ticketStatus.settled_win") ?? status, dotClass: "bg-emerald-500" };
+    return {
+      label: creditMode
+        ? t?.("ticketStatus.credit.settled_win", { defaultValue: "已中奖" }) ?? status
+        : t?.("ticketStatus.settled_win") ?? status,
+      dotClass: "bg-emerald-500",
+    };
   }
   if (status === "settled_lose" || (status === "settled_win" && total <= 0)) {
     return {
diff --git a/src/features/orders/ticket-order-detail-screen.tsx b/src/features/orders/ticket-order-detail-screen.tsx
index 496f06a..698677a 100644
--- a/src/features/orders/ticket-order-detail-screen.tsx
+++ b/src/features/orders/ticket-order-detail-screen.tsx
@@ -22,8 +22,10 @@ import { orderGroupPath } from "@/features/orders/group-ticket-items";
 import { StatusDot, ticketStatusDisplay } from "@/features/orders/ticket-item-status";
 import { formatPlayerInstant } from "@/lib/player-datetime";
 import { formatMinorAsCurrency } from "@/lib/money";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import { norm4d } from "@/lib/norm-4d";
 import { useActivePlayerCurrency } from "@/hooks/use-active-player-currency";
+import { usePlayerSessionStore } from "@/stores/player-session-store";
 import { playLabel } from "@/lib/play-labels";
 import { cn } from "@/lib/utils";
 import type { TicketItemDetailPayload } from "@/types/api/ticket-items";
@@ -79,6 +81,7 @@ export function TicketOrderDetailScreen({ ticketNo }: { ticketNo: string }) {
   const searchParams = useSearchParams();
   const { t } = useTranslation("player");
   const { activeCurrency } = useActivePlayerCurrency();
+  const creditMode = isCreditFundingPlayer(usePlayerSessionStore((state) => state.profile));
   useCurrencyCatalog();
   const [data, setData] = useState<TicketItemDetailPayload | null>(null);
   const [error, setError] = useState<string | null>(null);
@@ -184,7 +187,7 @@ export function TicketOrderDetailScreen({ ticketNo }: { ticketNo: string }) {
   }
 
   const cur = data.currency_code ?? activeCurrency;
-  const st = ticketStatusDisplay(data.status, data.win_amount, data.jackpot_win_amount, t);
+  const st = ticketStatusDisplay(data.status, data.win_amount, data.jackpot_win_amount, t, creditMode);
   const orderStatus = data.order_status ?? null;
   const isPartialFailedOrder = orderStatus === "partial_failed";
   const isLineFailed = data.status === "failed" || data.status === "refunded";
@@ -370,7 +373,9 @@ export function TicketOrderDetailScreen({ ticketNo }: { ticketNo: string }) {
                 ) : null}
               </p>
               <p className="mt-1 font-mono font-semibold text-emerald-900">
-                {t("orders.payoutTotal", { amount: formatMinorAsCurrency(totalWin, cur) })}
+                {t(creditMode ? "orders.creditWinTotal" : "orders.payoutTotal", {
+                  amount: formatMinorAsCurrency(totalWin, cur),
+                })}
               </p>
               </div>
             ) : hasSettlement ? (
diff --git a/src/features/orders/ticket-order-group-screen.tsx b/src/features/orders/ticket-order-group-screen.tsx
index 8871461..d810e1f 100644
--- a/src/features/orders/ticket-order-group-screen.tsx
+++ b/src/features/orders/ticket-order-group-screen.tsx
@@ -16,8 +16,10 @@ import {
 import { useActivePlayerCurrency } from "@/hooks/use-active-player-currency";
 import { useCurrencyCatalog } from "@/hooks/use-currency-catalog";
 import { formatMinorAsCurrency } from "@/lib/money";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import { playLabel } from "@/lib/play-labels";
 import { cn } from "@/lib/utils";
+import { usePlayerSessionStore } from "@/stores/player-session-store";
 
 type TicketOrderGroupScreenProps = {
   groupKey: string;
@@ -26,6 +28,7 @@ type TicketOrderGroupScreenProps = {
 export function TicketOrderGroupScreen({ groupKey }: TicketOrderGroupScreenProps) {
   const { t } = useTranslation("player");
   const { activeCurrency } = useActivePlayerCurrency();
+  const creditMode = isCreditFundingPlayer(usePlayerSessionStore((state) => state.profile));
   useCurrencyCatalog();
 
   const decodedKey = decodeURIComponent(groupKey);
@@ -61,6 +64,7 @@ export function TicketOrderGroupScreen({ groupKey }: TicketOrderGroupScreenProps
     group.win_amount,
     group.jackpot_win_amount,
     t,
+    creditMode,
   );
   const totalWin = group.win_amount + group.jackpot_win_amount;
   return (
@@ -116,6 +120,7 @@ export function TicketOrderGroupScreen({ groupKey }: TicketOrderGroupScreenProps
               row.win_amount,
               row.jackpot_win_amount,
               t,
+              creditMode,
             );
             const lineWin = row.win_amount + row.jackpot_win_amount;
             return (
diff --git a/src/features/orders/ticket-orders-list-screen.tsx b/src/features/orders/ticket-orders-list-screen.tsx
index 4787d81..6dd75be 100644
--- a/src/features/orders/ticket-orders-list-screen.tsx
+++ b/src/features/orders/ticket-orders-list-screen.tsx
@@ -26,6 +26,7 @@ import { useCurrencyCatalog } from "@/hooks/use-currency-catalog";
 import { useIsMobile } from "@/hooks/use-mobile";
 import { LOTTERY_SCHEDULE_TIMEZONE } from "@/lib/lottery-schedule-timezone";
 import { formatMinorAsCurrency } from "@/lib/money";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import {
   formatSchedulePickerYmd,
   getTimeZoneShortLabel,
@@ -33,6 +34,7 @@ import {
   scheduleTodayYmd,
 } from "@/lib/player-datetime";
 import { useActivePlayerCurrency } from "@/hooks/use-active-player-currency";
+import { usePlayerSessionStore } from "@/stores/player-session-store";
 import { playLabel } from "@/lib/play-labels";
 import { cn } from "@/lib/utils";
 import type { TicketItemListRow } from "@/types/api/ticket-items";
@@ -55,6 +57,7 @@ export function TicketOrdersListScreen() {
   const searchParams = useSearchParams();
   const { t } = useTranslation("player");
   const { activeCurrency } = useActivePlayerCurrency();
+  const creditMode = isCreditFundingPlayer(usePlayerSessionStore((state) => state.profile));
   useCurrencyCatalog();
   const drawNoFilter = useMemo(() => (searchParams.get("draw_no") ?? "").trim(), [searchParams]);
   const statusFilter = useMemo(
@@ -427,6 +430,7 @@ export function TicketOrdersListScreen() {
                   group.win_amount,
                   group.jackpot_win_amount,
                   t,
+                  creditMode,
                 );
                 const totalWin = group.win_amount + group.jackpot_win_amount;
                 return (
diff --git a/src/features/player/entry-gate.tsx b/src/features/player/entry-gate.tsx
index 4feba2d..a93fed0 100644
--- a/src/features/player/entry-gate.tsx
+++ b/src/features/player/entry-gate.tsx
@@ -12,7 +12,7 @@ import {
 } from "lucide-react";
 import Image from "next/image";
 import { useRouter, useSearchParams } from "next/navigation";
-import { useCallback, useEffect, useMemo, useState } from "react";
+import { useCallback, useEffect, useLayoutEffect, useMemo, useState } from "react";
 import { useTranslation } from "react-i18next";
 
 import { getPublicCurrencies } from "@/api/currency";
@@ -116,6 +116,27 @@ export function EntryGate() {
     !tokenFromUrl &&
     !(bearerToken ?? "").trim();
 
+  const [gateReady, setGateReady] = useState(false);
+
+  useLayoutEffect(() => {
+    if (typeof window === "undefined") return;
+
+    if (!isInIframe()) {
+      if (sessionExpired) {
+        router.replace("/login?session=expired");
+        return;
+      }
+
+      const hasToken = tokenFromUrl !== "" || (bearerToken ?? "").trim() !== "";
+      if (!hasToken) {
+        router.replace("/login");
+        return;
+      }
+    }
+
+    setGateReady(true);
+  }, [bearerToken, router, sessionExpired, tokenFromUrl]);
+
   const [phase, setPhase] = useState<Phase>(sessionExpired ? "failed" : "loading");
   const [failureDetails, setFailureDetails] = useState<FailureRow[]>(() =>
     sessionExpired
@@ -300,6 +321,10 @@ export function EntryGate() {
     return () => window.clearTimeout(tmr);
   }, [sessionExpired, effectiveToken, tokenFromUrl]);
 
+  if (!gateReady) {
+    return null;
+  }
+
   return (
     <div className="relative flex min-h-dvh flex-col bg-white">
       <div className={cn("relative h-[45vh] min-h-[320px]", phase === "success" ? "bg-white" : "bg-red-600")}>
diff --git a/src/features/player/player-login-screen.tsx b/src/features/player/player-login-screen.tsx
index 12c4c2e..380c361 100644
--- a/src/features/player/player-login-screen.tsx
+++ b/src/features/player/player-login-screen.tsx
@@ -2,9 +2,8 @@
 
 import { Loader2 } from "lucide-react";
 import Image from "next/image";
-import Link from "next/link";
-import { useRouter } from "next/navigation";
-import { useState } from "react";
+import { useRouter, useSearchParams } from "next/navigation";
+import { useEffect, useRef, useState } from "react";
 import { useTranslation } from "react-i18next";
 import { toast } from "sonner";
 
@@ -20,20 +19,42 @@ import { LotteryApiBizError } from "@/types/api/errors";
 
 const DEPLOY_SITE_CODE = process.env.NEXT_PUBLIC_PLAYER_SITE_CODE?.trim() ?? "";
 
+function stripSearchParamFromBrowserUrl(name: string): void {
+  if (typeof window === "undefined") return;
+  const url = new URL(window.location.href);
+  if (!url.searchParams.has(name)) return;
+  url.searchParams.delete(name);
+  const next = `${url.pathname}${url.search}${url.hash}`;
+  window.history.replaceState(null, "", next);
+}
+
 export function PlayerLoginScreen(): React.ReactElement {
   const { t } = useTranslation("entry");
   const router = useRouter();
+  const searchParams = useSearchParams();
   const setBearerToken = usePlayerSessionStore((s) => s.setBearerToken);
   const setProfile = usePlayerSessionStore((s) => s.setProfile);
+  const clearBearerToken = usePlayerSessionStore((s) => s.clearBearerToken);
+  const sessionExpiredHandled = useRef(false);
 
   const [username, setUsername] = useState("");
   const [password, setPassword] = useState("");
   const [loading, setLoading] = useState(false);
 
+  useEffect(() => {
+    if (sessionExpiredHandled.current) return;
+    if (searchParams.get("session") !== "expired") return;
+
+    sessionExpiredHandled.current = true;
+    clearBearerToken();
+    toast.error(t("errors.sessionExpired"));
+    stripSearchParamFromBrowserUrl("session");
+  }, [clearBearerToken, searchParams, t]);
+
   async function handleSubmit(event: React.FormEvent): Promise<void> {
     event.preventDefault();
     if (!username.trim() || !password) {
-      toast.error(t("login.missingFields", { defaultValue: "请填写账号和密码" }));
+      toast.error(t("login.missingFields"));
       return;
     }
 
@@ -55,7 +76,7 @@ export function PlayerLoginScreen(): React.ReactElement {
       }
       router.replace("/hall");
     } catch (e) {
-      toast.error(e instanceof LotteryApiBizError ? e.message : t("login.failed", { defaultValue: "登录失败" }));
+      toast.error(e instanceof LotteryApiBizError ? e.message : t("login.failed"));
     } finally {
       setLoading(false);
     }
@@ -63,8 +84,10 @@ export function PlayerLoginScreen(): React.ReactElement {
 
   return (
     <div className="relative flex min-h-dvh flex-col bg-white">
-      <div className="relative h-[32vh] min-h-[220px] bg-red-600">
-        <Image src="/entry/image1.png" alt="" fill className="object-cover object-center" priority />
+      <div className="relative h-[45vh] min-h-[320px] shrink-0 overflow-hidden bg-red-600">
+        <div className="pointer-events-none absolute inset-0">
+          <Image src="/entry/image1.png" alt="" fill className="object-cover object-center" priority />
+        </div>
         <div className="absolute left-0 right-0 top-0 z-20 flex items-center px-4 py-3">
           <LanguageSwitcher variant="header" showFlag={false} />
         </div>
@@ -72,15 +95,15 @@ export function PlayerLoginScreen(): React.ReactElement {
 
       <div className="mx-auto w-full max-w-md flex-1 px-4 py-8">
         <h1 className="text-xl font-bold text-gray-900">
-          {t("login.title", { defaultValue: "代理玩家登录" })}
+          {t("login.title")}
         </h1>
         <p className="mt-2 text-sm text-muted-foreground">
-          {t("login.hint", { defaultValue: "使用代理为您开通的账号登录。主站用户请从主站进入。" })}
+          {t("login.hint")}
         </p>
 
         <form className="mt-6 space-y-4" onSubmit={(e) => void handleSubmit(e)}>
           <div className="space-y-1">
-            <Label htmlFor="login-user">{t("login.username", { defaultValue: "登录账号" })}</Label>
+            <Label htmlFor="login-user">{t("login.username")}</Label>
             <Input
               id="login-user"
               value={username}
@@ -89,7 +112,7 @@ export function PlayerLoginScreen(): React.ReactElement {
             />
           </div>
           <div className="space-y-1">
-            <Label htmlFor="login-pass">{t("login.password", { defaultValue: "密码" })}</Label>
+            <Label htmlFor="login-pass">{t("login.password")}</Label>
             <Input
               id="login-pass"
               type="password"
@@ -100,15 +123,9 @@ export function PlayerLoginScreen(): React.ReactElement {
           </div>
           <Button type="submit" className="w-full bg-red-600 hover:bg-red-700" disabled={loading}>
             {loading ? <Loader2 className="mr-2 size-4 animate-spin" /> : null}
-            {t("login.submit", { defaultValue: "登录" })}
+            {t("login.submit")}
           </Button>
         </form>
-
-        <p className="mt-4 text-center text-sm text-muted-foreground">
-          <Link href="/" className="text-red-600 underline">
-            {t("login.backEntry", { defaultValue: "返回入口" })}
-          </Link>
-        </p>
       </div>
     </div>
   );
diff --git a/src/features/results/draw-result-detail-screen.tsx b/src/features/results/draw-result-detail-screen.tsx
index fbca149..c11137b 100644
--- a/src/features/results/draw-result-detail-screen.tsx
+++ b/src/features/results/draw-result-detail-screen.tsx
@@ -22,9 +22,11 @@ import { useCurrencyCatalog } from "@/hooks/use-currency-catalog";
 import { getPlayerBearerTokenPayload } from "@/lib/lottery-auth";
 import { formatPlayerInstant } from "@/lib/player-datetime";
 import { formatMinorAsCurrency } from "@/lib/money";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import { norm4d } from "@/lib/norm-4d";
 import { useActivePlayerCurrency } from "@/hooks/use-active-player-currency";
 import { cn } from "@/lib/utils";
+import { usePlayerSessionStore } from "@/stores/player-session-store";
 import type { DrawResultDetailPayload } from "@/types/api/draw-results";
 
 type DrawResultDetailScreenProps = {
@@ -35,6 +37,7 @@ type DrawResultDetailScreenProps = {
 export function DrawResultDetailScreen({ drawNo }: DrawResultDetailScreenProps) {
   const { t } = useTranslation("player");
   const { activeCurrency } = useActivePlayerCurrency();
+  const creditMode = isCreditFundingPlayer(usePlayerSessionStore((state) => state.profile));
   useCurrencyCatalog();
   const [data, setData] = useState<DrawResultDetailPayload | null>(null);
   const [error, setError] = useState<string | null>(null);
@@ -241,7 +244,7 @@ export function DrawResultDetailScreen({ drawNo }: DrawResultDetailScreenProps)
             {showMyPayout && myTotals ? (
               <div className="rounded-xl border border-emerald-200 bg-emerald-50 px-3 py-3 text-sm shadow-[0_4px_14px_rgba(15,23,42,0.03)]">
                 <p className="font-bold text-emerald-900">
-                  {t("results.myPayout")}
+                  {t(creditMode ? "results.creditMyWin" : "results.myPayout")}
                 </p>
                 <p className="mt-2 font-mono text-xs tabular-nums text-emerald-900/80">
                   {t("results.regular", {
@@ -262,7 +265,7 @@ export function DrawResultDetailScreen({ drawNo }: DrawResultDetailScreenProps)
 
             {showHitOnly ? (
               <div className="rounded-xl border border-amber-200 bg-amber-50 px-3 py-3 text-xs text-amber-950">
-                {t("results.hitPending")}
+                {t(creditMode ? "results.creditHitPending" : "results.hitPending")}
               </div>
             ) : null}
 
diff --git a/src/features/wallet/wallet-logs-block.tsx b/src/features/wallet/wallet-logs-block.tsx
index 7b46659..ba4f698 100644
--- a/src/features/wallet/wallet-logs-block.tsx
+++ b/src/features/wallet/wallet-logs-block.tsx
@@ -24,9 +24,8 @@ export const WALLET_FLOW_FILTERS: { value: string; labelKey: string }[] = [
 export const CREDIT_FLOW_FILTERS: { value: string; labelKey: string }[] = [
   { value: "", labelKey: "wallet.creditFlow.all" },
   { value: "bet", labelKey: "wallet.creditFlow.bet" },
-  { value: "prize", labelKey: "wallet.creditFlow.prize" },
-  { value: "refund", labelKey: "wallet.creditFlow.refund" },
-  { value: "reversal", labelKey: "wallet.creditFlow.reversal" },
+  { value: "credit_release", labelKey: "wallet.creditFlow.credit_release" },
+  { value: "bill_settlement", labelKey: "wallet.creditFlow.bill_settlement" },
 ];
 
 const FLOW_LABEL_FALLBACKS: Record<string, string> = {
@@ -38,10 +37,12 @@ const FLOW_LABEL_FALLBACKS: Record<string, string> = {
   "wallet.flow.refund": "退款",
   "wallet.flow.reversal": "冲正",
   "wallet.creditFlow.all": "全部",
-  "wallet.creditFlow.bet": "下注占用",
-  "wallet.creditFlow.prize": "派奖释放",
-  "wallet.creditFlow.refund": "退款返还",
-  "wallet.creditFlow.reversal": "冲正回退",
+  "wallet.creditFlow.bet": "占用额度",
+  "wallet.creditFlow.credit_release": "释额",
+  "wallet.creditFlow.bill_settlement": "账期收付",
+  "wallet.creditFlow.win_credit": "中奖释额",
+  "wallet.creditFlow.refund": "账期确认释额",
+  "wallet.creditFlow.reversal": "退本释额",
 };
 
 export function logTypeLabel(
@@ -97,13 +98,6 @@ export function WalletLogsBlock({
     ?? (creditMode
       ? t("wallet.creditFlowsTitle", { defaultValue: "信用流水" })
       : t("wallet.flowsTitle", { defaultValue: "钱包流水" }));
-  const channelHint = creditMode
-    ? t("wallet.playerChannel.credit", {
-        defaultValue: "信用盘玩家（占用与释放额度流水）",
-      })
-    : t("wallet.playerChannel.wallet", {
-        defaultValue: "主站钱包玩家（划转与钱包余额流水）",
-      });
   const filters = useMemo(() => {
     const source = creditMode ? CREDIT_FLOW_FILTERS : WALLET_FLOW_FILTERS;
     return source.map((f) => ({
@@ -118,7 +112,6 @@ export function WalletLogsBlock({
         <div className="flex flex-col gap-2">
           <div>
             <h2 className="text-sm font-black text-[#0b3f96]">{resolvedTitle}</h2>
-            <p className="mt-0.5 text-[11px] font-medium text-slate-500">{channelHint}</p>
           </div>
           <div className="flex flex-wrap gap-1.5">
             {filters.map((f) => (
@@ -152,7 +145,9 @@ export function WalletLogsBlock({
             <ul className="space-y-2">
               {logs.items.length === 0 ? (
                 <li className="rounded-lg border border-dashed py-8 text-center text-sm text-muted-foreground">
-                  {t("wallet.emptyLogs")}
+                  {t(creditMode ? "wallet.emptyCreditLogs" : "wallet.emptyLogs", {
+                    defaultValue: creditMode ? "暂无信用流水" : "暂无流水",
+                  })}
                 </li>
               ) : (
                 logs.items.map((row) => (
@@ -219,7 +214,7 @@ export function LogRow({
       <div className="flex items-start justify-between gap-3">
         <div className="min-w-0 flex-1">
           <div className="flex items-center gap-2">
-            <span className={isIn ? "size-2.5 rounded-full bg-emerald-500" : "size-2.5 rounded-full bg-[#0b3f96]"} aria-hidden />
+            <span className={isIn ? "size-2.5 rounded-full bg-emerald-500" : "size-2.5 rounded-full bg-[#e5002c]"} aria-hidden />
             <p className="truncate text-base font-black leading-tight text-[#101a33]">
               {logTypeLabel(item.type, t, creditMode)}
             </p>
@@ -235,7 +230,7 @@ export function LogRow({
         </div>
 
         <div className="flex shrink-0 flex-col items-end gap-2 text-right">
-          <p className={isIn ? "text-lg font-black tabular-nums text-emerald-600" : "text-lg font-black tabular-nums text-[#0b3f96]"}>
+          <p className={isIn ? "text-lg font-black tabular-nums text-emerald-600" : "text-lg font-black tabular-nums text-[#e5002c]"}>
             {isIn ? "+" : "−"}
             {formatMinorAsCurrency(item.amount_abs, ccy)}
           </p>
@@ -246,12 +241,24 @@ export function LogRow({
       </div>
 
       <div className="mt-3 flex items-center justify-between rounded-xl bg-[#f8fbff] px-3 py-2 text-xs">
-        <span className="font-semibold text-slate-500">
-          {creditMode ? t("wallet.creditAvailableAfter") : t("wallet.balanceAfter")}
-        </span>
-        <span className="font-mono font-black tabular-nums text-[#32518d]">
-          {formatMinorAsCurrency(item.balance_after, ccy)}
-        </span>
+        {creditMode && item.affects_available_credit === false ? (
+          <span className="font-medium text-slate-500">
+            {t("wallet.creditPaymentRecordOnly", {
+              defaultValue: "账期收付记账，不计入可用信用",
+            })}
+          </span>
+        ) : (
+          <>
+            <span className="font-semibold text-slate-500">
+              {creditMode ? t("wallet.creditAvailableAfter") : t("wallet.balanceAfter")}
+            </span>
+            <span className="font-mono font-black tabular-nums text-[#32518d]">
+              {item.balance_after != null
+                ? formatMinorAsCurrency(item.balance_after, ccy)
+                : "—"}
+            </span>
+          </>
+        )}
       </div>
     </li>
   );
diff --git a/src/features/wallet/wallet-logs-screen.tsx b/src/features/wallet/wallet-logs-screen.tsx
index 6fe1692..bd08721 100644
--- a/src/features/wallet/wallet-logs-screen.tsx
+++ b/src/features/wallet/wallet-logs-screen.tsx
@@ -10,6 +10,7 @@ import { WalletLogsBlock } from "@/features/wallet/wallet-logs-block";
 import { dispatchWalletLogsRefresh } from "@/hooks/use-pending-wallet-reconcile";
 import { useActivePlayerCurrency } from "@/hooks/use-active-player-currency";
 import { PLAYER_CURRENCY_CHANGE_EVENT } from "@/lib/player-currency-preference";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import { formatWalletClientError } from "@/lib/wallet-api-error";
 import { getWalletLogsLastPage, type WalletLogsData } from "@/types/api/wallet-logs";
 
@@ -106,9 +107,17 @@ export function WalletLogsScreen() {
 
   return (
     <PlayerPanel
-      title={t("wallet.logsTitle")}
+      title={
+        creditMode
+          ? t("wallet.creditLogsTitle", { defaultValue: "信用流水" })
+          : t("wallet.logsTitle")
+      }
       backHref="/wallet"
-      backLabel={t("wallet.title")}
+      backLabel={
+        creditMode
+          ? t("wallet.creditTitle", { defaultValue: "信用" })
+          : t("wallet.title")
+      }
     >
       <div className="space-y-3">
         {error ? (
diff --git a/src/features/wallet/wallet-screen.tsx b/src/features/wallet/wallet-screen.tsx
index e83de70..dbabba3 100644
--- a/src/features/wallet/wallet-screen.tsx
+++ b/src/features/wallet/wallet-screen.tsx
@@ -16,6 +16,7 @@ import {
 import { WalletLogsBlock } from "@/features/wallet/wallet-logs-block";
 import { dispatchWalletLogsRefresh } from "@/hooks/use-pending-wallet-reconcile";
 import { useActivePlayerCurrency } from "@/hooks/use-active-player-currency";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import { formatMinorAsCurrency } from "@/lib/money";
 import { PLAYER_CURRENCY_CHANGE_EVENT } from "@/lib/player-currency-preference";
 import { formatWalletClientError } from "@/lib/wallet-api-error";
@@ -117,8 +118,7 @@ export function WalletScreen() {
 
   const hasMore = logs ? logs.page < getWalletLogsLastPage(logs) : false;
 
-  const isCreditPlayer =
-    balance?.credit_line_mode === true || balance?.funding_mode === "credit";
+  const isCreditPlayer = isCreditFundingPlayer(balance);
   const displayMinor = isCreditPlayer
     ? Number(balance?.available_balance ?? 0)
     : Number(balance?.balance ?? 0);
@@ -155,7 +155,9 @@ export function WalletScreen() {
   }, [hasMore, loadMore, loading, loadingMore, logsLoading]);
 
   return (
-    <PlayerPanel title={t("wallet.title")}>
+    <PlayerPanel
+      title={isCreditPlayer ? t("wallet.creditTitle", { defaultValue: "信用" }) : t("wallet.title")}
+    >
       <div className="space-y-3">
         {error ? (
           <div className="rounded-xl border border-red-200 bg-red-50 px-3 py-3 text-sm text-red-700">
@@ -213,7 +215,8 @@ export function WalletScreen() {
         {isCreditPlayer ? (
           <p className="rounded-xl border border-[#d6e4ff] bg-[#f5f9ff] px-3 py-3 text-sm text-[#0b3f96]/85">
             {t("wallet.creditNoTransferHint", {
-              defaultValue: "信用盘账号由代理授信，无需主站转入转出；额度调整请联系代理。",
+              defaultValue:
+                "由代理授信，无需主站转入转出；中奖不即时派彩，盈亏在账期统一结算，额度调整请联系代理。",
             })}
           </p>
         ) : (
diff --git a/src/i18n/locales/en/entry.json b/src/i18n/locales/en/entry.json
index a33e677..27005d2 100644
--- a/src/i18n/locales/en/entry.json
+++ b/src/i18n/locales/en/entry.json
@@ -49,6 +49,16 @@
   "footer": {
     "secure": "Secure. Trusted. Authorized access."
   },
+  "login": {
+    "title": "Agent player login",
+    "hint": "Sign in with the account your agent created for you. Main-site users should enter from the main site.",
+    "username": "Username",
+    "password": "Password",
+    "submit": "Sign in",
+    "missingFields": "Please enter username and password",
+    "failed": "Sign-in failed",
+    "backEntry": "Back to entry"
+  },
   "errors": {
     "noToken": "No authorization token found",
     "noTokenDetail": "Please return to the main site and try again.",
diff --git a/src/i18n/locales/en/player.json b/src/i18n/locales/en/player.json
index 2e2f1b5..ae9b547 100644
--- a/src/i18n/locales/en/player.json
+++ b/src/i18n/locales/en/player.json
@@ -24,7 +24,8 @@
     "results": "Results",
     "orders": "My Bets",
     "rules": "Rules",
-    "wallet": "Wallet"
+    "wallet": "Wallet",
+    "credit": "Credit"
   },
   "notifications": {
     "title": "Pending reconciliation",
@@ -346,10 +347,12 @@
   "wallet": {
     "title": "Wallet",
     "subtitle": "Balance and transfer records",
+    "creditTitle": "Credit",
+    "creditSubtitle": "Credit usage and billing-period activity",
     "balance": "Wallet Balance",
     "creditAvailable": "Available credit",
     "creditSummary": "Limit {{limit}} · Used {{used}}",
-    "creditNoTransferHint": "Credit accounts are funded by your agent; no main-site transfers. Contact your agent to change your limit.",
+    "creditNoTransferHint": "Credit accounts are funded by your agent; no main-site transfers. Wins are not paid out instantly—profit and loss are settled in billing periods. Contact your agent to change your limit.",
     "available": "Available {{amount}}",
     "transferIn": "Transfer In",
     "transferOut": "Transfer Out",
@@ -358,6 +361,8 @@
     "logs": "Logs",
     "logsTitle": "Wallet Logs",
     "logsSubtitle": "Transfer and betting records",
+    "creditLogsTitle": "Credit activity",
+    "creditLogsSubtitle": "Holds, releases, and billing-period payments",
     "typeFilter": "Type Filter",
     "transferInTitle": "Transfer In",
     "transferOutTitle": "Transfer Out",
@@ -392,12 +397,14 @@
     "flowsTitle": "Wallet logs",
     "creditFlowsTitle": "Credit activity",
     "playerChannel": {
-      "credit": "Credit-line player (agent credit ledger)",
+      "credit": "Credit line: credit holds, releases, and billing payments (not wallet payouts)",
       "wallet": "Main-site wallet player (transfers & wallet ledger)"
     },
     "creditAvailableAfter": "Available credit after",
+    "creditPaymentRecordOnly": "Billing payment record only; not counted in available credit",
     "totalRecords": "{{total}} records",
     "emptyLogs": "No wallet logs",
+    "emptyCreditLogs": "No credit activity",
     "noMoreLogs": "No more transactions",
     "balanceAfter": "Balance after",
     "wsBalanceUpdated": "Balance {{change}} ({{reason}})",
@@ -420,10 +427,12 @@
     },
     "creditFlow": {
       "all": "All",
-      "bet": "Bet hold",
-      "prize": "Payout",
-      "refund": "Credit release",
-      "reversal": "Reversal"
+      "bet": "Credit hold",
+      "credit_release": "Credit release",
+      "bill_settlement": "Period payment",
+      "win_credit": "Win release",
+      "refund": "Period confirm release",
+      "reversal": "Refund release"
     },
     "txnStatus": {
       "posted": "Success",
@@ -498,6 +507,7 @@
     "winAmount": "Win amount {{amount}}",
     "jackpotAmount": "Jackpot {{amount}}",
     "payoutTotal": "Payout total {{amount}}",
+    "creditWinTotal": "Win total {{amount}}",
     "matchLose": "Match result: not won",
     "matchResult": "Match result",
     "drawPendingMatch": "Draw numbers are not published yet. Winning status cannot be determined.",
@@ -528,9 +538,11 @@
     "next": "Next ›",
     "drawTime": "Draw time: {{time}}",
     "myPayout": "My payout for this issue",
+    "creditMyWin": "My wins for this issue",
     "regular": "Regular: {{amount}}",
     "jackpot": "Jackpot: {{amount}}",
     "hitPending": "Your ticket has hit a result cell in this issue. The amount summary will show after payout is completed.",
+    "creditHitPending": "Your ticket matched this issue. Amounts will show after settlement; profit and loss are handled in billing periods.",
     "hitHint": "If you win, numbers matched by your tickets are highlighted in gold.",
     "viewMyWinning": "View my winning status",
     "jackpotLabel": "Jackpot",
@@ -645,6 +657,10 @@
     "partial_failed": "Partially failed",
     "pending_payout": "Won, pending payout",
     "settled_win": "Paid",
+    "credit": {
+      "pending_payout": "Won, pending settlement",
+      "settled_win": "Won"
+    },
     "settled_lose": "Not won",
     "failed": "Failed",
     "refunded": "Refunded",
diff --git a/src/i18n/locales/ne/entry.json b/src/i18n/locales/ne/entry.json
index e7062c6..8ef85e1 100644
--- a/src/i18n/locales/ne/entry.json
+++ b/src/i18n/locales/ne/entry.json
@@ -49,6 +49,16 @@
   "footer": {
     "secure": "सुरक्षित। विश्वसनीय। अधिकृत पहुँच।"
   },
+  "login": {
+    "title": "एजेन्ट खेलाडी लगइन",
+    "hint": "एजेन्टले दिएको खाताबाट लगइन गर्नुहोस्। मुख्य साइट प्रयोगकर्ताहरू मुख्य साइटबाट प्रवेश गर्नुहोस्।",
+    "username": "प्रयोगकर्ता नाम",
+    "password": "पासवर्ड",
+    "submit": "लगइन",
+    "missingFields": "कृपया प्रयोगकर्ता नाम र पासवर्ड भर्नुहोस्",
+    "failed": "लगइन असफल",
+    "backEntry": "प्रवेशमा फर्कनुहोस्"
+  },
   "errors": {
     "noToken": "कुनै प्राधिकरण टोकन फेला परेन",
     "noTokenDetail": "कृपया मुख्य साइटमा फर्कनुहोस् र फेरि प्रयास गर्नुहोस्।",
diff --git a/src/i18n/locales/ne/player.json b/src/i18n/locales/ne/player.json
index ce2141f..b51c25a 100644
--- a/src/i18n/locales/ne/player.json
+++ b/src/i18n/locales/ne/player.json
@@ -24,7 +24,8 @@
     "results": "नतिजा",
     "orders": "मेरा बेट",
     "rules": "नियम",
-    "wallet": "वालेट"
+    "wallet": "वालेट",
+    "credit": "क्रेडिट"
   },
   "notifications": {
     "title": "मिलान बाँकी सूचना",
@@ -387,6 +388,30 @@
     "pendingDescription": "यी ट्रान्सफरहरू मुख्य साइटबाट अन्तिम पुष्टि भएका छैनन्। लामो समयसम्म नआए support सम्पर्क गर्नुहोस्।",
     "pendingStatus": "प्रक्रिया हुँदैछ",
     "flowsTitle": "वालेट लग",
+    "creditTitle": "क्रेडिट",
+    "creditSubtitle": "क्रेडिट प्रयोग र बिलिङ अवधि लेनदेन",
+    "creditAvailable": "उपलब्ध क्रेडिट",
+    "creditSummary": "सीमा {{limit}} · प्रयोग {{used}}",
+    "creditNoTransferHint": "क्रेडिट खाता एजेन्टले दिन्छ; मुख्य साइट ट्रान्सफर छैन। जित तुरुन्त भुक्तानी हुँदैन—नाफा/नोक्सान बिलिङ अवधिमा मिल्छ।",
+    "creditFlowsTitle": "क्रेडिट लेनदेन",
+    "creditLogsTitle": "क्रेडिट लेनदेन",
+    "creditLogsSubtitle": "ओगट, मुक्ति र बिलिङ भुक्तानी",
+    "playerChannel": {
+      "credit": "क्रेडिट लाइन: ओगट, मुक्ति र बिलिङ भुक्तानी (वालेट भुक्तानी होइन)",
+      "wallet": "मुख्य साइट वालेट खेलाडी"
+    },
+    "creditAvailableAfter": "पछि उपलब्ध क्रेडिट",
+    "creditPaymentRecordOnly": "बिलिङ भुक्तानी रेकर्ड मात्र; उपलब्ध क्रेडिटमा गणना हुँदैन",
+    "emptyCreditLogs": "क्रेडिट लेनदेन छैन",
+    "creditFlow": {
+      "all": "सबै",
+      "bet": "क्रेडिट ओगट",
+      "credit_release": "मुक्ति",
+      "bill_settlement": "अवधि भुक्तानी",
+      "win_credit": "जित मुक्ति",
+      "refund": "अवधि पुष्टि मुक्ति",
+      "reversal": "फिर्ता मुक्ति"
+    },
     "totalRecords": "{{total}} रेकर्ड",
     "emptyLogs": "वालेट लग छैन",
     "noMoreLogs": "थप लेनदेन छैन",
@@ -482,6 +507,7 @@
     "winAmount": "जित रकम {{amount}}",
     "jackpotAmount": "Jackpot {{amount}}",
     "payoutTotal": "कुल भुक्तानी {{amount}}",
+    "creditWinTotal": "जित कुल {{amount}}",
     "matchLose": "मिलान नतिजा: जितेन",
     "matchResult": "मिलान नतिजा",
     "drawPendingMatch": "यस इश्यूका ड्र नम्बर प्रकाशित भएका छैनन्। जित-नजित अझै निर्धारण गर्न मिल्दैन।",
@@ -512,9 +538,11 @@
     "next": "अर्को ›",
     "drawTime": "ड्र समय: {{time}}",
     "myPayout": "यस इश्यूमा मेरो भुक्तानी",
+    "creditMyWin": "यस इश्यूमा मेरो जित",
     "regular": "सामान्य: {{amount}}",
     "jackpot": "Jackpot: {{amount}}",
     "hitPending": "तपाईंको टिकटले यस इश्यूको नतिजा सेल हिट गरेको छ। भुक्तानी पूरा भएपछि रकम देखिनेछ।",
+    "creditHitPending": "तपाईंको टिकट मिल्यो। मिलान पछि रकम देखिनेछ; नाफा/नोक्सान बिलिङ अवधिमा मिल्छ।",
     "hitHint": "तपाईं जित्नुभयो भने, तपाईंका टिकटसँग मिलेका नम्बरहरू सुनौलो रंगमा देखिन्छन्।",
     "viewMyWinning": "मेरो जित स्थिति हेर्नुहोस्",
     "jackpotLabel": "Jackpot",
@@ -629,6 +657,10 @@
     "partial_failed": "आंशिक असफल",
     "pending_payout": "जितेको, भुक्तानी बाँकी",
     "settled_win": "भुक्तानी भयो",
+    "credit": {
+      "pending_payout": "जितेको, मिलान बाँकी",
+      "settled_win": "जितेको"
+    },
     "settled_lose": "जितेन",
     "failed": "असफल",
     "refunded": "फिर्ता",
diff --git a/src/i18n/locales/zh/entry.json b/src/i18n/locales/zh/entry.json
index db12045..2007881 100644
--- a/src/i18n/locales/zh/entry.json
+++ b/src/i18n/locales/zh/entry.json
@@ -3,7 +3,7 @@
     "backgroundAlt": "页头背景"
   },
   "loading": {
-    "title": "正在进入彩票大厅（前端测试标记）",
+    "title": "正在进入彩票大厅",
     "progress": "进度"
   },
   "steps": {
diff --git a/src/i18n/locales/zh/player.json b/src/i18n/locales/zh/player.json
index 48ce8d4..ce91182 100644
--- a/src/i18n/locales/zh/player.json
+++ b/src/i18n/locales/zh/player.json
@@ -24,7 +24,8 @@
     "results": "开奖结果",
     "orders": "我的注单",
     "rules": "规则",
-    "wallet": "钱包"
+    "wallet": "钱包",
+    "credit": "信用"
   },
   "notifications": {
     "title": "待对账提醒",
@@ -346,10 +347,12 @@
   "wallet": {
     "title": "钱包",
     "subtitle": "余额与划转记录",
+    "creditTitle": "信用",
+    "creditSubtitle": "额度占用与账期流水",
     "balance": "钱包余额",
     "creditAvailable": "可用信用",
     "creditSummary": "授信 {{limit}} · 已用 {{used}}",
-    "creditNoTransferHint": "信用盘账号由代理授信，无需主站转入转出；额度调整请联系代理。",
+    "creditNoTransferHint": "由代理授信，无需主站转入转出；中奖不即时派彩，盈亏在账期统一结算，额度调整请联系代理。",
     "available": "可用 {{amount}}",
     "transferIn": "转入",
     "transferOut": "转出",
@@ -358,6 +361,8 @@
     "logs": "流水",
     "logsTitle": "钱包流水",
     "logsSubtitle": "划转与下注记录",
+    "creditLogsTitle": "信用流水",
+    "creditLogsSubtitle": "占用、释额与账期收付",
     "typeFilter": "类型筛选",
     "transferInTitle": "转入资金",
     "transferOutTitle": "转出资金",
@@ -392,12 +397,14 @@
     "flowsTitle": "资金流水",
     "creditFlowsTitle": "信用流水",
     "playerChannel": {
-      "credit": "信用盘玩家（代理授信，流水来自信用账本）",
+      "credit": "信用盘：展示额度占用、释额与账期收付（非钱包派彩）",
       "wallet": "主站钱包玩家（划转与钱包余额流水）"
     },
     "creditAvailableAfter": "变更后可用信用",
+    "creditPaymentRecordOnly": "账期收付记账，不计入可用信用",
     "totalRecords": "共 {{total}} 条记录",
     "emptyLogs": "暂无流水",
+    "emptyCreditLogs": "暂无信用流水",
     "noMoreLogs": "没有更多流水",
     "balanceAfter": "变更后余额",
     "wsBalanceUpdated": "余额 {{change}}（{{reason}}）",
@@ -420,10 +427,12 @@
     },
     "creditFlow": {
       "all": "全部",
-      "bet": "下注占用",
-      "prize": "派彩",
-      "refund": "释放额度",
-      "reversal": "冲正"
+      "bet": "占用额度",
+      "credit_release": "释额",
+      "bill_settlement": "账期收付",
+      "win_credit": "中奖释额",
+      "refund": "账期确认释额",
+      "reversal": "退本释额"
     },
     "txnStatus": {
       "posted": "成功",
@@ -498,6 +507,7 @@
     "winAmount": "中奖金额 {{amount}}",
     "jackpotAmount": "Jackpot {{amount}}",
     "payoutTotal": "派彩合计 {{amount}}",
+    "creditWinTotal": "中奖合计 {{amount}}",
     "matchLose": "匹配结果：未中奖",
     "matchResult": "匹配结果",
     "drawPendingMatch": "本期开奖号码尚未发布，暂不能判断是否中奖。",
@@ -528,9 +538,11 @@
     "next": "下一期 ›",
     "drawTime": "开奖时间: {{time}}",
     "myPayout": "本期我的派彩",
+    "creditMyWin": "本期我的中奖",
     "regular": "常规：{{amount}}",
     "jackpot": "Jackpot：{{amount}}",
     "hitPending": "您的注单已命中本期开奖号码中的格子；派彩完成后将显示金额汇总。",
+    "creditHitPending": "您的注单已命中本期开奖号码；结算完成后将显示金额，盈亏在账期统一处理。",
     "hitHint": "如果您中奖，与注单匹配的号码将以金色高亮显示。",
     "viewMyWinning": "查看我的中奖情况",
     "jackpotLabel": "Jackpot",
@@ -645,6 +657,10 @@
     "partial_failed": "部分失败",
     "pending_payout": "已中奖待派彩",
     "settled_win": "已派彩",
+    "credit": {
+      "pending_payout": "已中奖待结算",
+      "settled_win": "已中奖"
+    },
     "settled_lose": "未中奖",
     "failed": "失败",
     "refunded": "已退款",
diff --git a/src/lib/lottery-http.ts b/src/lib/lottery-http.ts
index ee5194b..985a6d4 100644
--- a/src/lib/lottery-http.ts
+++ b/src/lib/lottery-http.ts
@@ -1,9 +1,11 @@
 import axios, {
   isAxiosError,
+  type AxiosError,
   type AxiosRequestConfig,
   type AxiosResponse,
 } from "axios";
 
+import { isInIframe } from "@/components/iframe-bridge";
 import { withPlayerAuthHeader } from "@/lib/lottery-auth";
 import { usePlayerSessionStore } from "@/stores/player-session-store";
 import { withLotteryLocaleHeaders } from "@/lib/lottery-locale";
@@ -14,6 +16,7 @@ import {
 import { isApiEnvelope } from "@/types/api/envelope";
 import { useErrorStore } from "@/stores/error-store";
 import { resolveLotteryApiV1Base } from "@/lib/lottery-api-base";
+import i18n from "@/i18n";
 
 /**
  * **第一层**：`baseURL` 对齐 Laravel `api/v1`；各 `api/*.ts` 只写业务 path（如 `/currencies`）。
@@ -24,6 +27,34 @@ export const lotteryHttp = axios.create({
   headers: { Accept: "application/json" },
 });
 
+/** 凭据类 401（非 token 失效），不应触发「会话过期」跳转 */
+const PLAYER_CREDENTIAL_BIZ_CODES = new Set([8006]);
+
+function isPlayerAuthLoginRequest(config: AxiosRequestConfig | undefined): boolean {
+  if (!config || (config.method ?? "get").toLowerCase() !== "post") {
+    return false;
+  }
+  return `${config.url ?? ""}`.includes("/player/auth/login");
+}
+
+/** 是否应将 401 视为已登录态失效并跳转入口（见 {@link EntryGate} `session=expired`） */
+function shouldRedirectPlayerSessionExpired(error: AxiosError): boolean {
+  if (isPlayerAuthLoginRequest(error.config)) {
+    return false;
+  }
+
+  if (typeof window !== "undefined" && window.location.pathname === "/login") {
+    return false;
+  }
+
+  const body = error.response?.data;
+  if (isApiEnvelope(body) && PLAYER_CREDENTIAL_BIZ_CODES.has(body.code)) {
+    return false;
+  }
+
+  return true;
+}
+
 /** 站内接口 401：清本地会话并回入口，与 {@link EntryGate} `session=expired` 衔接 */
 /** 500 错误：更新全局服务器错误状态 */
 lotteryHttp.interceptors.response.use(
@@ -32,20 +63,28 @@ lotteryHttp.interceptors.response.use(
     if (isAxiosError(error) && typeof window !== "undefined") {
       const status = error.response?.status;
 
-      // 401: 会话过期，清除令牌并重定向
+      // 401: 已登录态 token 失效 → 清会话并回入口；登录凭据错误等由页面自行提示
       if (status === 401) {
-        usePlayerSessionStore.getState().clearBearerToken();
-        const onEntry = window.location.pathname === "/";
-        const alreadyExpired = window.location.search.includes("session=expired");
-        if (!onEntry || !alreadyExpired) {
-          window.location.replace("/?session=expired");
+        const redirectSessionExpired = shouldRedirectPlayerSessionExpired(error);
+        if (redirectSessionExpired || window.location.pathname === "/login") {
+          usePlayerSessionStore.getState().clearBearerToken();
+        }
+        if (redirectSessionExpired) {
+          const pathname = window.location.pathname;
+          const alreadyExpired = window.location.search.includes("session=expired");
+          const expiredTarget = isInIframe() ? "/?session=expired" : "/login?session=expired";
+          const onExpiredPage =
+            (pathname === "/" || pathname === "/login") && alreadyExpired;
+          if (!onExpiredPage) {
+            window.location.replace(expiredTarget);
+          }
         }
       }
 
       // 500/502/503: 服务器错误，更新全局错误状态
       if (status === 500 || status === 502 || status === 503) {
         const setServerError = useErrorStore.getState().setServerError;
-        let message = "服务器暂时不可用，请稍后重试";
+        let message = i18n.t("serverError.serverMessage", { ns: "player" });
 
         // 尝试从响应中获取更详细的错误信息
         const responseData = error.response?.data;
diff --git a/src/lib/player-funding-mode.ts b/src/lib/player-funding-mode.ts
new file mode 100644
index 0000000..6c457c6
--- /dev/null
+++ b/src/lib/player-funding-mode.ts
@@ -0,0 +1,10 @@
+/** 信用盘玩家（代理授信）；与主站钱包资金盘区分。 */
+export function isCreditFundingPlayer(
+  source?: { funding_mode?: string | null; credit_line_mode?: boolean | null } | null,
+): boolean {
+  if (!source) {
+    return false;
+  }
+
+  return source.credit_line_mode === true || source.funding_mode === "credit";
+}
diff --git a/src/types/api/wallet-logs.ts b/src/types/api/wallet-logs.ts
index 7370c67..c1e3601 100644
--- a/src/types/api/wallet-logs.ts
+++ b/src/types/api/wallet-logs.ts
@@ -12,7 +12,9 @@ export type WalletLogItem = {
   amount_abs: number;
   direction: "in" | "out";
   currency_code: string;
-  balance_after: number;
+  balance_after: number | null;
+  /** 信用盘：false 表示账期收付记账，不改变可用信用 */
+  affects_available_credit?: boolean;
   ref_id: string | null;
   idempotent_key: string | null;
   external_ref_no: string | null;