diff --git a/app/Http/Controllers/Api/V1/Admin/AdminSettingController.php b/app/Http/Controllers/Api/V1/Admin/AdminSettingController.php
index 04ac8d2..a57a5aa 100644
--- a/app/Http/Controllers/Api/V1/Admin/AdminSettingController.php
+++ b/app/Http/Controllers/Api/V1/Admin/AdminSettingController.php
@@ -7,11 +7,14 @@ use App\Http\Middleware\RecordAdminApiAudit;
 use App\Http\Requests\Admin\AdminSettingBatchUpdateRequest;
 use App\Http\Requests\Admin\AdminSettingIndexRequest;
 use App\Http\Requests\Admin\AdminSettingUpdateRequest;
+use App\Lottery\ErrorCode;
 use App\Models\LotterySetting;
 use App\Services\AuditLogger;
-use App\Support\ApiResponse;
 use App\Services\LotterySettings;
+use App\Support\ApiMessage;
+use App\Support\ApiResponse;
 use Illuminate\Http\JsonResponse;
+use Illuminate\Http\Request;
 use Illuminate\Support\Facades\DB;
 
 /**
@@ -19,13 +22,21 @@ use Illuminate\Support\Facades\DB;
  */
 final class AdminSettingController extends Controller
 {
-    public function deployment(): JsonResponse
+    public function deployment(Request $request): JsonResponse
     {
+        if ($denied = $this->ensureSuperAdmin($request)) {
+            return $denied;
+        }
+
         return ApiResponse::success(LotterySettings::deploymentSnapshot());
     }
 
     public function index(AdminSettingIndexRequest $request): JsonResponse
     {
+        if ($denied = $this->ensureSuperAdmin($request)) {
+            return $denied;
+        }
+
         $validated = $request->validated();
         $query = LotterySetting::query()->orderBy('setting_key');
 
@@ -45,6 +56,10 @@ final class AdminSettingController extends Controller
 
     public function update(AdminSettingUpdateRequest $request, string $key): JsonResponse
     {
+        if ($denied = $this->ensureSuperAdmin($request)) {
+            return $denied;
+        }
+
         $setting = LotterySetting::query()->where('setting_key', $key)->first();
 
         LotterySettings::put(
@@ -66,6 +81,10 @@ final class AdminSettingController extends Controller
 
     public function batchUpdate(AdminSettingBatchUpdateRequest $request): JsonResponse
     {
+        if ($denied = $this->ensureSuperAdmin($request)) {
+            return $denied;
+        }
+
         /** @var list<array{key: string, value: mixed}> $items */
         $items = $request->validated('items');
 
@@ -106,4 +125,14 @@ final class AdminSettingController extends Controller
             ])->values()->all(),
         ]);
     }
+
+    private function ensureSuperAdmin(Request $request): ?JsonResponse
+    {
+        $admin = $request->lotteryAdmin();
+        if ($admin === null || ! $admin->isSuperAdmin()) {
+            return ApiMessage::errorResponse($request, 'admin.permission_denied', ErrorCode::AdminForbidden->value, null, 403);
+        }
+
+        return null;
+    }
 }
diff --git a/app/Http/Controllers/Api/V1/Admin/Player/AdminPlayerIndexController.php b/app/Http/Controllers/Api/V1/Admin/Player/AdminPlayerIndexController.php
index d8d05bc..bf62b3a 100644
--- a/app/Http/Controllers/Api/V1/Admin/Player/AdminPlayerIndexController.php
+++ b/app/Http/Controllers/Api/V1/Admin/Player/AdminPlayerIndexController.php
@@ -38,6 +38,7 @@ final class AdminPlayerIndexController extends Controller
         $p = AdminApiList::readPaging($request);
         $keyword = trim((string) $request->query('keyword', ''));
         $status = $request->query('status');
+        $agentScope = trim((string) $request->query('agent_scope', ''));
         $scope = AdminScopePolicy::resolveContext($request, $admin);
 
         $q = Player::query()
@@ -49,6 +50,10 @@ final class AdminPlayerIndexController extends Controller
 
         AdminScopePolicy::applyPlayerFilters($q, $scope);
 
+        if ($agentScope === 'direct' && $scope->effectiveRequestedAgentNodeId() !== null) {
+            $q->where('agent_node_id', $scope->effectiveRequestedAgentNodeId());
+        }
+
         if ($keyword !== '') {
             $term = '%'.addcslashes($keyword, '%_\\').'%';
             $q->where(static function ($sub) use ($term, $keyword): void {
diff --git a/app/Http/Controllers/Api/V1/Admin/Player/AdminPlayerUpdateController.php b/app/Http/Controllers/Api/V1/Admin/Player/AdminPlayerUpdateController.php
index f91526b..059850a 100644
--- a/app/Http/Controllers/Api/V1/Admin/Player/AdminPlayerUpdateController.php
+++ b/app/Http/Controllers/Api/V1/Admin/Player/AdminPlayerUpdateController.php
@@ -42,6 +42,14 @@ final class AdminPlayerUpdateController extends Controller
             $data['status'] = (int) $data['status'];
         }
 
+        if ($request->has('default_currency')
+            && PlayerFundingMode::usesCredit($player)
+            && strtoupper((string) $request->input('default_currency')) !== strtoupper((string) $player->default_currency)) {
+            throw ValidationException::withMessages([
+                'default_currency' => ['credit_player_currency_locked'],
+            ]);
+        }
+
         $agent = $player->agent_node_id !== null
             ? AgentNode::query()->find((int) $player->agent_node_id)
             : null;
diff --git a/app/Http/Controllers/Api/V1/Wallet/WalletSettlementBillsController.php b/app/Http/Controllers/Api/V1/Wallet/WalletSettlementBillsController.php
new file mode 100644
index 0000000..7ff8f87
--- /dev/null
+++ b/app/Http/Controllers/Api/V1/Wallet/WalletSettlementBillsController.php
@@ -0,0 +1,107 @@
+<?php
+
+namespace App\Http\Controllers\Api\V1\Wallet;
+
+use App\Http\Controllers\Controller;
+use App\Support\ApiResponse;
+use App\Support\CurrencyFormatter;
+use App\Support\PlayerFundingMode;
+use Illuminate\Http\JsonResponse;
+use Illuminate\Http\Request;
+use Illuminate\Support\Facades\DB;
+
+/** GET /api/v1/wallet/settlement-bills：信用盘玩家自己的账期账单摘要。 */
+final class WalletSettlementBillsController extends Controller
+{
+    public function __invoke(Request $request): JsonResponse
+    {
+        $player = $request->lotteryPlayer();
+        abort_if($player === null, 500, 'lottery_player missing');
+
+        if (! PlayerFundingMode::usesCredit($player)) {
+            return ApiResponse::success([
+                'items' => [],
+                'summary' => [
+                    'pending_receivable' => 0,
+                    'pending_payable' => 0,
+                    'net_pending' => 0,
+                    'pending_count' => 0,
+                ],
+                'funding_mode' => (string) ($player->funding_mode ?? PlayerFundingMode::WALLET),
+            ]);
+        }
+
+        $rows = DB::table('settlement_bills as sb')
+            ->join('settlement_periods as sp', 'sp.id', '=', 'sb.settlement_period_id')
+            ->where('sb.bill_type', 'player')
+            ->where('sb.owner_type', 'player')
+            ->where('sb.owner_id', (int) $player->id)
+            ->whereIn('sb.status', ['pending_confirm', 'confirmed', 'partial_paid', 'overdue'])
+            ->orderByDesc('sp.period_end')
+            ->orderByDesc('sb.id')
+            ->limit(5)
+            ->get([
+                'sb.id',
+                'sb.settlement_period_id',
+                'sb.gross_win_loss',
+                'sb.rebate_amount',
+                'sb.net_amount',
+                'sb.paid_amount',
+                'sb.unpaid_amount',
+                'sb.status',
+                'sp.period_start',
+                'sp.period_end',
+            ]);
+
+        $pendingReceivable = 0;
+        $pendingPayable = 0;
+        $items = $rows->map(function (object $row) use (&$pendingReceivable, &$pendingPayable): array {
+            $netAmount = (int) $row->net_amount;
+            $unpaidAmount = (int) $row->unpaid_amount;
+            $direction = $netAmount > 0 ? 'payable' : 'receivable';
+
+            if ($direction === 'payable') {
+                $pendingPayable += $unpaidAmount;
+            } else {
+                $pendingReceivable += $unpaidAmount;
+            }
+
+            return [
+                'id' => (int) $row->id,
+                'settlement_period_id' => (int) $row->settlement_period_id,
+                'period_start' => $this->isoTimestamp($row->period_start),
+                'period_end' => $this->isoTimestamp($row->period_end),
+                'gross_win_loss' => (int) $row->gross_win_loss,
+                'rebate_amount' => (int) $row->rebate_amount,
+                'net_amount' => $netAmount,
+                'paid_amount' => (int) $row->paid_amount,
+                'unpaid_amount' => $unpaidAmount,
+                'direction' => $direction,
+                'status' => (string) $row->status,
+            ];
+        })->all();
+
+        return ApiResponse::success([
+            'items' => $items,
+            'summary' => [
+                'pending_receivable' => $pendingReceivable,
+                'pending_receivable_formatted' => CurrencyFormatter::fromMinor($pendingReceivable),
+                'pending_payable' => $pendingPayable,
+                'pending_payable_formatted' => CurrencyFormatter::fromMinor($pendingPayable),
+                'net_pending' => $pendingReceivable - $pendingPayable,
+                'net_pending_formatted' => CurrencyFormatter::fromMinor(abs($pendingReceivable - $pendingPayable)),
+                'pending_count' => count($items),
+            ],
+            'funding_mode' => PlayerFundingMode::CREDIT,
+        ]);
+    }
+
+    private function isoTimestamp(mixed $value): ?string
+    {
+        if ($value === null || $value === '') {
+            return null;
+        }
+
+        return \Carbon\Carbon::parse((string) $value)->toIso8601String();
+    }
+}
diff --git a/app/Services/Agent/AgentProfileService.php b/app/Services/Agent/AgentProfileService.php
index 85c5ed8..5058da8 100644
--- a/app/Services/Agent/AgentProfileService.php
+++ b/app/Services/Agent/AgentProfileService.php
@@ -118,6 +118,17 @@ final class AgentProfileService
                 $profile->used_credit = 0;
             }
             $profile->save();
+            $this->clampDescendantAgentShareRates($node, (float) $profile->total_share_rate);
+            $this->clampDirectPlayerRebates(
+                $node,
+                (float) $profile->rebate_limit,
+                (bool) $profile->can_grant_extra_rebate,
+            );
+            $this->clampDescendantAgentRebates(
+                $node,
+                (float) $profile->rebate_limit,
+                (bool) $profile->can_grant_extra_rebate,
+            );
 
             if ($parent !== null) {
                 $this->allocatedSync->syncForAgent($parent);
@@ -290,11 +301,18 @@ final class AgentProfileService
      */
     public function assertChildCapabilityGrantsWithinParent(AgentNode $parent, array $childPayload, AdminUser $actor): void
     {
+        $parentProfile = $this->profileForNode((int) $parent->id);
+        if ((bool) ($childPayload['can_grant_extra_rebate'] ?? false)
+            && ! ($parentProfile?->can_grant_extra_rebate ?? false)) {
+            throw ValidationException::withMessages([
+                'can_grant_extra_rebate' => ['parent_cannot_delegate'],
+            ]);
+        }
+
         if ($actor->isSuperAdmin() || \App\Support\AdminAgentSettlementScope::canManageSitePeriods($actor)) {
             return;
         }
 
-        $parentProfile = $this->profileForNode((int) $parent->id);
         if ((bool) ($childPayload['can_create_child_agent'] ?? false)
             && ! ($parentProfile?->can_create_child_agent ?? false)) {
             throw ValidationException::withMessages([
@@ -324,6 +342,113 @@ final class AgentProfileService
         return (bool) ($profile?->can_create_player ?? false);
     }
 
+    private function clampDescendantAgentShareRates(AgentNode $parent, float $parentTotalShareRate): void
+    {
+        $children = AgentNode::query()
+            ->where('parent_id', (int) $parent->id)
+            ->orderBy('id')
+            ->get();
+
+        foreach ($children as $child) {
+            $profile = AgentProfile::query()
+                ->where('agent_node_id', (int) $child->id)
+                ->first();
+
+            if ($profile === null) {
+                continue;
+            }
+
+            $totalShareRate = max(0.0, (float) $profile->total_share_rate);
+            $nextTotalShareRate = min($totalShareRate, $parentTotalShareRate);
+
+            if (abs($nextTotalShareRate - $totalShareRate) >= 1e-9) {
+                $profile->forceFill([
+                    'total_share_rate' => $nextTotalShareRate,
+                ])->save();
+            }
+
+            $this->clampDescendantAgentShareRates($child, $nextTotalShareRate);
+        }
+    }
+
+    private function clampDirectPlayerRebates(AgentNode $agent, float $rebateLimit, bool $canGrantExtraRebate): void
+    {
+        $rows = DB::table('player_rebate_profiles as prp')
+            ->join('players as p', 'p.id', '=', 'prp.player_id')
+            ->where('p.agent_node_id', (int) $agent->id)
+            ->where('prp.inherit_from_agent', false)
+            ->select([
+                'prp.id',
+                'prp.rebate_rate',
+                'prp.extra_rebate_rate',
+            ])
+            ->get();
+
+        $now = now();
+        foreach ($rows as $row) {
+            $rebateRate = max(0.0, (float) $row->rebate_rate);
+            $extraRate = max(0.0, (float) $row->extra_rebate_rate);
+
+            $nextRebate = min($rebateRate, $rebateLimit);
+            $remaining = max(0.0, $rebateLimit - $nextRebate);
+            $nextExtra = $canGrantExtraRebate ? min($extraRate, $remaining) : 0.0;
+
+            if (abs($nextRebate - $rebateRate) < 1e-9 && abs($nextExtra - $extraRate) < 1e-9) {
+                continue;
+            }
+
+            DB::table('player_rebate_profiles')
+                ->where('id', (int) $row->id)
+                ->update([
+                    'rebate_rate' => $nextRebate,
+                    'extra_rebate_rate' => $nextExtra,
+                    'updated_at' => $now,
+                ]);
+        }
+    }
+
+    private function clampDescendantAgentRebates(
+        AgentNode $parent,
+        float $parentRebateLimit,
+        bool $parentCanGrantExtraRebate,
+    ): void {
+        $children = AgentNode::query()
+            ->where('parent_id', (int) $parent->id)
+            ->orderBy('id')
+            ->get();
+
+        foreach ($children as $child) {
+            $profile = AgentProfile::query()
+                ->where('agent_node_id', (int) $child->id)
+                ->first();
+
+            if ($profile === null) {
+                continue;
+            }
+
+            $rebateLimit = max(0.0, (float) $profile->rebate_limit);
+            $defaultRebate = max(0.0, (float) $profile->default_player_rebate);
+            $canGrantExtraRebate = (bool) $profile->can_grant_extra_rebate;
+
+            $nextRebateLimit = min($rebateLimit, $parentRebateLimit);
+            $nextDefaultRebate = min($defaultRebate, $nextRebateLimit);
+            $nextCanGrantExtraRebate = $parentCanGrantExtraRebate && $canGrantExtraRebate;
+
+            if (abs($nextRebateLimit - $rebateLimit) >= 1e-9
+                || abs($nextDefaultRebate - $defaultRebate) >= 1e-9
+                || $nextCanGrantExtraRebate !== $canGrantExtraRebate) {
+                $profile->forceFill([
+                    'rebate_limit' => $nextRebateLimit,
+                    'default_player_rebate' => $nextDefaultRebate,
+                    'can_grant_extra_rebate' => $nextCanGrantExtraRebate,
+                ])->save();
+            }
+
+            $this->clampDirectPlayerRebates($child, $nextRebateLimit, $nextCanGrantExtraRebate);
+            $this->clampDescendantAgentRebates($child, $nextRebateLimit, $nextCanGrantExtraRebate);
+        }
+    }
+
     private function assertAgentProfileExists(AgentNode $agent): void
     {
         if (AgentProfile::query()->where('agent_node_id', $agent->id)->exists()) {
diff --git a/app/Services/AgentSettlement/AgentSettlementPeriodCloseService.php b/app/Services/AgentSettlement/AgentSettlementPeriodCloseService.php
index 2b6d0fb..45d2e88 100644
--- a/app/Services/AgentSettlement/AgentSettlementPeriodCloseService.php
+++ b/app/Services/AgentSettlement/AgentSettlementPeriodCloseService.php
@@ -3,7 +3,9 @@
 namespace App\Services\AgentSettlement;
 
 use App\Models\AgentNode;
+use App\Models\Player;
 use App\Services\Agent\AgentCreditAllocatedSyncService;
+use App\Services\Player\PlayerCreditService;
 use App\Support\AgentSettlementPeriodWindow;
 use App\Support\AgentSettlementProductionGuard;
 use Illuminate\Support\Facades\DB;
@@ -18,6 +20,7 @@ final class AgentSettlementPeriodCloseService
         private readonly UnsettledTicketPeriodWarning $unsettledWarning,
         private readonly PlatformRoundingAdjuster $platformRounding,
         private readonly AgentCreditAllocatedSyncService $allocatedSync,
+        private readonly PlayerCreditService $playerCreditService,
     ) {}
 
     /**
@@ -63,6 +66,7 @@ final class AgentSettlementPeriodCloseService
             $roundingDiff = $this->platformRounding->apply($periodId, $aggregate);
 
             $rebateStats = $this->periodCloseRebate->dispatchAndAllocate($periodId, $adminSiteId, $periodStart, $periodEnd);
+            $this->releasePlayerBillRebatesFromCredit($periodId);
 
             $unsettled = $this->unsettledWarning->countForSite($adminSiteId, $periodStart, $periodEnd);
 
@@ -100,6 +104,28 @@ final class AgentSettlementPeriodCloseService
         });
     }
 
+    /** 玩家亏损账单里的回水已抵扣应付额，应同步释放同等已用信用。 */
+    private function releasePlayerBillRebatesFromCredit(int $periodId): void
+    {
+        $bills = DB::table('settlement_bills')
+            ->where('settlement_period_id', $periodId)
+            ->where('bill_type', 'player')
+            ->where('owner_type', 'player')
+            ->where('gross_win_loss', '>', 0)
+            ->where('rebate_amount', '>', 0)
+            ->get(['id', 'owner_id', 'gross_win_loss', 'rebate_amount']);
+
+        foreach ($bills as $bill) {
+            $player = Player::query()->find((int) $bill->owner_id);
+            if ($player === null) {
+                continue;
+            }
+
+            $rebateMinor = min((int) $bill->gross_win_loss, (int) $bill->rebate_amount);
+            $this->playerCreditService->releaseRebateInBill($player, $rebateMinor, (int) $bill->id);
+        }
+    }
+
     /** 关账后按真理源重算各代理「已下发额度」，避免与直属玩家/下级代理授信脱节。 */
     private function reconcileAllocatedCreditForSite(int $adminSiteId): void
     {
diff --git a/app/Services/Player/PlayerCreditService.php b/app/Services/Player/PlayerCreditService.php
index fad2b5b..a624842 100644
--- a/app/Services/Player/PlayerCreditService.php
+++ b/app/Services/Player/PlayerCreditService.php
@@ -448,6 +448,27 @@ final class PlayerCreditService
         );
     }
 
+    /**
+     * 账期回水进入玩家账单后，已抵扣玩家应付亏损，需同步释放对应已用信用。
+     */
+    public function releaseRebateInBill(Player $player, int $rebateMinor, int $billId): void
+    {
+        if ($rebateMinor <= 0 || ! PlayerFundingMode::usesCredit($player)) {
+            return;
+        }
+
+        $delta = $this->syncSettlementBillLedger(
+            $player,
+            $billId,
+            'rebate_in_bill',
+            $rebateMinor,
+        );
+        if ($delta > 0) {
+            $this->decreaseUsedCredit($player, $delta);
+            $this->syncAgentUsedCredit($player);
+        }
+    }
+
     /**
      * 同步账期收付台账：每账单每种 reason 仅一行，amount 为累计已付；返回本次应追加的 minor 增量。
      */
diff --git a/app/Services/Ticket/TicketPlacementService.php b/app/Services/Ticket/TicketPlacementService.php
index 0257ef0..2541e04 100644
--- a/app/Services/Ticket/TicketPlacementService.php
+++ b/app/Services/Ticket/TicketPlacementService.php
@@ -39,6 +39,8 @@ final class TicketPlacementService
     public function place(Player $player, array $payload): array
     {
         $currencyCode = strtoupper((string) $payload['currency_code']);
+        $this->assertCreditCurrencyMatchesPlayer($player, $currencyCode);
+
         $clientTraceId = isset($payload['client_trace_id']) && $payload['client_trace_id'] !== ''
             ? (string) $payload['client_trace_id']
             : null;
@@ -552,4 +554,21 @@ final class TicketPlacementService
 
         return str_pad($number, 4, '0', STR_PAD_LEFT);
     }
+
+    private function assertCreditCurrencyMatchesPlayer(Player $player, string $currencyCode): void
+    {
+        if (! PlayerFundingMode::usesCredit($player)) {
+            return;
+        }
+
+        $defaultCurrency = strtoupper((string) $player->default_currency);
+        if ($currencyCode === $defaultCurrency) {
+            return;
+        }
+
+        throw new TicketOperationException('credit_currency_mismatch', ErrorCode::ConfigCurrencyInvalid->value, 400, [
+            'currency_code' => $currencyCode,
+            'expected_currency' => $defaultCurrency,
+        ]);
+    }
 }
diff --git a/app/Services/Ticket/TicketPreviewService.php b/app/Services/Ticket/TicketPreviewService.php
index 6b638a4..88c8811 100644
--- a/app/Services/Ticket/TicketPreviewService.php
+++ b/app/Services/Ticket/TicketPreviewService.php
@@ -37,6 +37,8 @@ final class TicketPreviewService
         }
 
         $currencyCode = strtoupper((string) $payload['currency_code']);
+        $this->assertCreditCurrencyMatchesPlayer($player, $currencyCode);
+
         $lines = [];
         $totalBet = 0;
         $totalRebate = 0;
@@ -136,4 +138,21 @@ final class TicketPreviewService
             'warnings' => $warningRows,
         ];
     }
+
+    private function assertCreditCurrencyMatchesPlayer(Player $player, string $currencyCode): void
+    {
+        if (! PlayerFundingMode::usesCredit($player)) {
+            return;
+        }
+
+        $defaultCurrency = strtoupper((string) $player->default_currency);
+        if ($currencyCode === $defaultCurrency) {
+            return;
+        }
+
+        throw new TicketOperationException('credit_currency_mismatch', ErrorCode::ConfigCurrencyInvalid->value, 400, [
+            'currency_code' => $currencyCode,
+            'expected_currency' => $defaultCurrency,
+        ]);
+    }
 }
diff --git a/app/Services/Wallet/PlayerLedgerLogsService.php b/app/Services/Wallet/PlayerLedgerLogsService.php
index 2598c3c..de10fbf 100644
--- a/app/Services/Wallet/PlayerLedgerLogsService.php
+++ b/app/Services/Wallet/PlayerLedgerLogsService.php
@@ -182,12 +182,19 @@ final class PlayerLedgerLogsService
         $offset = max(0, ($page - 1) * $perPage);
         $pageRows = array_slice($simplified, $offset, $perPage);
 
-        $runningMinor = $this->playerCreditService->availableCreditMinor($player, $currency);
+        $creditLimitMinor = $this->creditLimitMinor($player, $currency);
+        $runningMinor = $this->clampCreditAvailableMinor(
+            $this->playerCreditService->availableCreditMinor($player, $currency),
+            $creditLimitMinor,
+        );
         foreach (array_slice($simplified, 0, $offset) as $priorRow) {
             if (! $this->adminCreditRowAffectsAvailableBalance($priorRow)) {
                 continue;
             }
-            $runningMinor -= $this->adminCreditRowSignedDelta($priorRow);
+            $runningMinor = $this->clampCreditAvailableMinor(
+                $runningMinor - $this->adminCreditRowSignedDelta($priorRow),
+                $creditLimitMinor,
+            );
         }
         $items = [];
         foreach ($pageRows as $formatted) {
@@ -208,9 +215,9 @@ final class PlayerLedgerLogsService
                 'balance_after_formatted' => CurrencyFormatter::fromMinor($runningMinor),
                 'balance_before' => $signed >= 0
                     ? max(0, $runningMinor - $signed)
-                    : $runningMinor + abs($signed),
+                    : $this->clampCreditAvailableMinor($runningMinor + abs($signed), $creditLimitMinor),
             ]);
-            $runningMinor -= $signed;
+            $runningMinor = $this->clampCreditAvailableMinor($runningMinor - $signed, $creditLimitMinor);
         }
 
         return [
@@ -449,14 +456,16 @@ final class PlayerLedgerLogsService
             ->slice(0, $offset)
             ->filter(fn (object $entry): bool => $entry->source === 'credit')
             ->count();
+        $creditLimitMinor = $this->creditLimitMinor($player, $currency);
         $runningMinor = $this->advanceCreditLedgerRunningMinor(
             (int) $player->id,
             $reasonFilter,
             $this->playerCreditService->availableCreditMinor($player, $currency),
             $priorCreditRows,
+            $creditLimitMinor,
         );
         $items = $pageRows
-            ->map(function (object $entry) use (&$runningMinor, $player, $currency): array {
+            ->map(function (object $entry) use (&$runningMinor, $player, $currency, $creditLimitMinor): array {
                 if ($entry->source === 'rebate') {
                     return $this->formatPlayerRebateRow($entry->row, $player, $currency);
                 }
@@ -473,7 +482,7 @@ final class PlayerLedgerLogsService
                     $affectsBalance,
                 );
                 if ($affectsBalance) {
-                    $runningMinor -= $amount;
+                    $runningMinor = $this->clampCreditAvailableMinor($runningMinor - $amount, $creditLimitMinor);
                 }
 
                 return $formatted;
@@ -694,7 +703,10 @@ final class PlayerLedgerLogsService
         ?array $reasonFilter,
         int $runningMinor,
         int $skipRows,
+        int $creditLimitMinor,
     ): int {
+        $runningMinor = $this->clampCreditAvailableMinor($runningMinor, $creditLimitMinor);
+
         if ($skipRows <= 0) {
             return $runningMinor;
         }
@@ -707,12 +719,27 @@ final class PlayerLedgerLogsService
             if (! $this->creditReasonAffectsAvailableBalance((string) $row->reason)) {
                 continue;
             }
-            $runningMinor -= (int) $row->amount;
+            $runningMinor = $this->clampCreditAvailableMinor($runningMinor - (int) $row->amount, $creditLimitMinor);
         }
 
         return $runningMinor;
     }
 
+    private function creditLimitMinor(Player $player, string $currency): int
+    {
+        $credit = DB::table('player_credit_accounts')->where('player_id', $player->id)->first();
+        if ($credit === null) {
+            return 0;
+        }
+
+        return \App\Support\CreditAmountScale::majorToMinor((int) $credit->credit_limit, $currency);
+    }
+
+    private function clampCreditAvailableMinor(int $amountMinor, int $creditLimitMinor): int
+    {
+        return min(max(0, $amountMinor), max(0, $creditLimitMinor));
+    }
+
     /**
      * @param  array<string, mixed>  $formatted
      */
diff --git a/app/Support/AdminAuthorizationRegistry.php b/app/Support/AdminAuthorizationRegistry.php
index 9c7d94d..4cdc6a2 100644
--- a/app/Support/AdminAuthorizationRegistry.php
+++ b/app/Support/AdminAuthorizationRegistry.php
@@ -165,7 +165,7 @@ final class AdminAuthorizationRegistry
             ['segment' => 'admin_users', 'label' => 'Admin Users', 'href' => '/admin/admin-users', 'nav_group' => 'platform', 'platform_only' => true, 'requiredAny' => ['prd.admin_user.manage']],
             ['segment' => 'admin_roles', 'label' => 'Admin Roles', 'href' => '/admin/admin-roles', 'nav_group' => 'platform', 'platform_only' => true, 'requiredAny' => ['prd.admin_role.manage']],
             ['segment' => 'audit', 'label' => 'Audit Logs', 'href' => '/admin/audit-logs', 'nav_group' => 'platform', 'platform_only' => true, 'requiredAny' => ['prd.audit.view']],
-            ['segment' => 'settings', 'label' => 'Settings', 'href' => '/admin/settings', 'nav_group' => 'platform', 'requiredAny' => ['prd.wallet_reconcile.manage', 'prd.rebate.manage', 'prd.rebate.view', 'prd.payout.manage']],
+            ['segment' => 'settings', 'label' => 'Settings', 'href' => '/admin/settings', 'nav_group' => 'platform', 'platform_only' => true, 'requiredAny' => ['prd.wallet_reconcile.manage', 'prd.rebate.manage', 'prd.rebate.view', 'prd.payout.manage']],
             ['segment' => 'risk', 'label' => 'Risk', 'href' => '/admin/risk', 'nav_group' => 'platform', 'platform_only' => true, 'requiredAny' => ['prd.risk.view', 'prd.risk.manage']],
         ];
     }
diff --git a/routes/api/v1/player.php b/routes/api/v1/player.php
index 729abcd..0a55608 100644
--- a/routes/api/v1/player.php
+++ b/routes/api/v1/player.php
@@ -6,6 +6,7 @@ use App\Http\Controllers\Api\V1\Wallet\WalletLogsController;
 use App\Http\Controllers\Api\V1\Ticket\TicketPlaceController;
 use App\Http\Controllers\Api\V1\Ticket\TicketPreviewController;
 use App\Http\Controllers\Api\V1\Wallet\WalletBalanceController;
+use App\Http\Controllers\Api\V1\Wallet\WalletSettlementBillsController;
 use App\Http\Controllers\Api\V1\Ticket\TicketItemShowController;
 use App\Http\Controllers\Api\V1\Ticket\TicketItemsIndexController;
 use App\Http\Controllers\Api\V1\Wallet\WalletTransferInController;
@@ -29,6 +30,7 @@ Route::middleware('lottery.player')->group(function (): void {
         ->group(function (): void {
             Route::get('balance', WalletBalanceController::class)->name('balance');
             Route::get('logs', WalletLogsController::class)->name('logs');
+            Route::get('settlement-bills', WalletSettlementBillsController::class)->name('settlement-bills');
             Route::post('transfer-in', WalletTransferInController::class)->name('transfer-in');
             Route::post('transfer-out', WalletTransferOutController::class)->name('transfer-out');
         });
diff --git a/tests/Feature/AdminAgentProfileApiTest.php b/tests/Feature/AdminAgentProfileApiTest.php
index 5987bf4..fc598e6 100644
--- a/tests/Feature/AdminAgentProfileApiTest.php
+++ b/tests/Feature/AdminAgentProfileApiTest.php
@@ -297,6 +297,61 @@ test('child agent profile update rejects credit above parent available', functio
         ->assertJsonPath('code', ErrorCode::ValidationFailed->value);
 });
 
+test('agent profile update rejects credit below already allocated amount', function (): void {
+    $siteId = (int) DB::table('admin_sites')->where('is_default', true)->value('id');
+    $rootId = (int) DB::table('agent_nodes')->where('admin_site_id', $siteId)->where('depth', 0)->value('id');
+    $service = app(\App\Services\Agent\AgentNodeService::class);
+
+    \App\Models\AgentProfile::query()->updateOrCreate(
+        ['agent_node_id' => $rootId],
+        [
+            'total_share_rate' => 100,
+            'credit_limit' => 10000,
+            'allocated_credit' => 0,
+            'used_credit' => 0,
+            'rebate_limit' => 1,
+            'default_player_rebate' => 0,
+        ],
+    );
+
+    $super = AdminUser::query()->create([
+        'username' => 'below_allocated_super',
+        'name' => 'Below Allocated Super',
+        'email' => null,
+        'password' => Hash::make('secret-strong'),
+        'status' => 0,
+    ]);
+    grantSuperAdminRole($super);
+
+    $agent = $service->createChild($super, agentChildPayload([
+        'parent_id' => $rootId,
+        'code' => 'below-allocated-agent',
+        'name' => 'Below Allocated Agent',
+        'username' => 'below_allocated_agent',
+        'credit_limit' => 5000,
+    ]));
+    $service->createChild($super, agentChildPayload([
+        'parent_id' => $agent->id,
+        'code' => 'below-allocated-child',
+        'name' => 'Below Allocated Child',
+        'username' => 'below_allocated_child',
+        'credit_limit' => 3000,
+    ]));
+
+    $token = $super->createToken('test', ['*'], now()->addDay())->plainTextToken;
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->putJson('/api/v1/admin/agent-nodes/'.$agent->id.'/profile', [
+            'credit_limit' => 2000,
+        ])
+        ->assertStatus(422)
+        ->assertJsonPath('code', ErrorCode::ValidationFailed->value);
+
+    $profile = DB::table('agent_profiles')->where('agent_node_id', $agent->id)->first();
+    expect((int) $profile->credit_limit)->toBe(5000)
+        ->and((int) $profile->allocated_credit)->toBe(3000);
+});
+
 test('child agent profile update rejects rebate above parent', function (): void {
     $siteId = (int) DB::table('admin_sites')->where('is_default', true)->value('id');
     $rootId = (int) DB::table('agent_nodes')->where('admin_site_id', $siteId)->where('depth', 0)->value('id');
@@ -385,6 +440,266 @@ test('agent profile update rejects default rebate above limit', function (): voi
         ->assertJsonPath('code', ErrorCode::ValidationFailed->value);
 });
 
+test('lowering agent rebate limit clamps descendant agent and player rebate profiles', function (): void {
+    $siteId = (int) DB::table('admin_sites')->where('is_default', true)->value('id');
+    $siteCode = (string) DB::table('admin_sites')->where('id', $siteId)->value('code');
+    $rootId = (int) DB::table('agent_nodes')->where('admin_site_id', $siteId)->where('depth', 0)->value('id');
+    $service = app(\App\Services\Agent\AgentNodeService::class);
+
+    \App\Models\AgentProfile::query()->updateOrCreate(
+        ['agent_node_id' => $rootId],
+        [
+            'total_share_rate' => 100,
+            'credit_limit' => 10000,
+            'allocated_credit' => 0,
+            'used_credit' => 0,
+            'rebate_limit' => 1,
+            'default_player_rebate' => 0,
+            'can_grant_extra_rebate' => true,
+        ],
+    );
+
+    $super = AdminUser::query()->create([
+        'username' => 'clamp_rebate_super',
+        'name' => 'Clamp Rebate Super',
+        'email' => null,
+        'password' => Hash::make('secret-strong'),
+        'status' => 0,
+    ]);
+    grantSuperAdminRole($super);
+
+    $agent = $service->createChild($super, agentChildPayload([
+        'parent_id' => $rootId,
+        'code' => 'clamp-rebate-agent',
+        'name' => 'Clamp Rebate Agent',
+        'username' => 'clamp_rebate_agent',
+        'rebate_limit' => 10,
+        'default_player_rebate' => 6,
+        'can_grant_extra_rebate' => true,
+    ]));
+    $childAgent = $service->createChild($super, agentChildPayload([
+        'parent_id' => $agent->id,
+        'code' => 'clamp-rebate-child',
+        'name' => 'Clamp Rebate Child',
+        'username' => 'clamp_rebate_child',
+        'rebate_limit' => 8,
+        'default_player_rebate' => 6,
+        'can_grant_extra_rebate' => true,
+    ]));
+    $grandchildAgent = $service->createChild($super, agentChildPayload([
+        'parent_id' => $childAgent->id,
+        'code' => 'clamp-rebate-grandchild',
+        'name' => 'Clamp Rebate Grandchild',
+        'username' => 'clamp_rebate_grandchild',
+        'rebate_limit' => 7,
+        'default_player_rebate' => 5,
+        'can_grant_extra_rebate' => true,
+    ]));
+
+    $directPlayer = \App\Models\Player::query()->create([
+        'site_code' => $siteCode,
+        'agent_node_id' => $agent->id,
+        'site_player_id' => 'clamp-direct-player',
+        'username' => 'clamp_direct_player',
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+    $downlinePlayer = \App\Models\Player::query()->create([
+        'site_code' => $siteCode,
+        'agent_node_id' => $childAgent->id,
+        'site_player_id' => 'clamp-downline-player',
+        'username' => 'clamp_downline_player',
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+    $grandchildPlayer = \App\Models\Player::query()->create([
+        'site_code' => $siteCode,
+        'agent_node_id' => $grandchildAgent->id,
+        'site_player_id' => 'clamp-grandchild-player',
+        'username' => 'clamp_grandchild_player',
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    DB::table('player_rebate_profiles')->insert([
+        [
+            'player_id' => $directPlayer->id,
+            'game_type' => '*',
+            'inherit_from_agent' => false,
+            'rebate_rate' => 0.10,
+            'extra_rebate_rate' => 0.03,
+            'created_at' => now(),
+            'updated_at' => now(),
+        ],
+        [
+            'player_id' => $downlinePlayer->id,
+            'game_type' => '*',
+            'inherit_from_agent' => false,
+            'rebate_rate' => 0.10,
+            'extra_rebate_rate' => 0.03,
+            'created_at' => now(),
+            'updated_at' => now(),
+        ],
+        [
+            'player_id' => $grandchildPlayer->id,
+            'game_type' => '*',
+            'inherit_from_agent' => false,
+            'rebate_rate' => 0.07,
+            'extra_rebate_rate' => 0.01,
+            'created_at' => now(),
+            'updated_at' => now(),
+        ],
+    ]);
+
+    $token = $super->createToken('test', ['*'], now()->addDay())->plainTextToken;
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->putJson('/api/v1/admin/agent-nodes/'.$agent->id.'/profile', [
+            'rebate_limit' => 2,
+            'default_player_rebate' => 0,
+            'can_grant_extra_rebate' => false,
+        ])
+        ->assertOk()
+        ->assertJsonPath('data.rebate_limit', 2);
+
+    $directProfile = DB::table('player_rebate_profiles')->where('player_id', $directPlayer->id)->first();
+    expect(round((float) $directProfile->rebate_rate, 4))->toBe(0.02)
+        ->and(round((float) $directProfile->extra_rebate_rate, 4))->toBe(0.0);
+
+    $childProfile = DB::table('agent_profiles')->where('agent_node_id', $childAgent->id)->first();
+    expect(round((float) $childProfile->rebate_limit, 4))->toBe(0.02)
+        ->and(round((float) $childProfile->default_player_rebate, 4))->toBe(0.02)
+        ->and((bool) $childProfile->can_grant_extra_rebate)->toBeFalse();
+
+    $downlineProfile = DB::table('player_rebate_profiles')->where('player_id', $downlinePlayer->id)->first();
+    expect(round((float) $downlineProfile->rebate_rate, 4))->toBe(0.02)
+        ->and(round((float) $downlineProfile->extra_rebate_rate, 4))->toBe(0.0);
+
+    $grandchildProfile = DB::table('agent_profiles')->where('agent_node_id', $grandchildAgent->id)->first();
+    expect(round((float) $grandchildProfile->rebate_limit, 4))->toBe(0.02)
+        ->and(round((float) $grandchildProfile->default_player_rebate, 4))->toBe(0.02)
+        ->and((bool) $grandchildProfile->can_grant_extra_rebate)->toBeFalse();
+
+    $grandchildPlayerProfile = DB::table('player_rebate_profiles')->where('player_id', $grandchildPlayer->id)->first();
+    expect(round((float) $grandchildPlayerProfile->rebate_rate, 4))->toBe(0.02)
+        ->and(round((float) $grandchildPlayerProfile->extra_rebate_rate, 4))->toBe(0.0);
+});
+
+test('agent profile update rejects enabling extra rebate when parent disallows it', function (): void {
+    $siteId = (int) DB::table('admin_sites')->where('is_default', true)->value('id');
+    $rootId = (int) DB::table('agent_nodes')->where('admin_site_id', $siteId)->where('depth', 0)->value('id');
+    $service = app(\App\Services\Agent\AgentNodeService::class);
+
+    \App\Models\AgentProfile::query()->updateOrCreate(
+        ['agent_node_id' => $rootId],
+        [
+            'total_share_rate' => 100,
+            'credit_limit' => 10000,
+            'allocated_credit' => 0,
+            'used_credit' => 0,
+            'rebate_limit' => 1,
+            'default_player_rebate' => 0,
+            'can_grant_extra_rebate' => true,
+        ],
+    );
+
+    $super = AdminUser::query()->create([
+        'username' => 'extra_rebate_super',
+        'name' => 'Extra Rebate Super',
+        'email' => null,
+        'password' => Hash::make('secret-strong'),
+        'status' => 0,
+    ]);
+    grantSuperAdminRole($super);
+
+    $parent = $service->createChild($super, agentChildPayload([
+        'parent_id' => $rootId,
+        'code' => 'extra-rebate-parent',
+        'name' => 'Extra Rebate Parent',
+        'username' => 'extra_rebate_parent',
+        'rebate_limit' => 10,
+        'can_grant_extra_rebate' => false,
+    ]));
+    $child = $service->createChild($super, agentChildPayload([
+        'parent_id' => $parent->id,
+        'code' => 'extra-rebate-child',
+        'name' => 'Extra Rebate Child',
+        'username' => 'extra_rebate_child',
+        'rebate_limit' => 2,
+    ]));
+
+    $token = $super->createToken('test', ['*'], now()->addDay())->plainTextToken;
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->putJson('/api/v1/admin/agent-nodes/'.$child->id.'/profile', [
+            'can_grant_extra_rebate' => true,
+        ])
+        ->assertStatus(422)
+        ->assertJsonPath('code', ErrorCode::ValidationFailed->value);
+});
+
+test('lowering agent share rate clamps descendant agent share rates', function (): void {
+    $siteId = (int) DB::table('admin_sites')->where('is_default', true)->value('id');
+    $rootId = (int) DB::table('agent_nodes')->where('admin_site_id', $siteId)->where('depth', 0)->value('id');
+    $service = app(\App\Services\Agent\AgentNodeService::class);
+
+    $super = AdminUser::query()->create([
+        'username' => 'clamp_share_super',
+        'name' => 'Clamp Share Super',
+        'email' => null,
+        'password' => Hash::make('secret-strong'),
+        'status' => 0,
+    ]);
+    grantSuperAdminRole($super);
+
+    $agent = $service->createChild($super, agentChildPayload([
+        'parent_id' => $rootId,
+        'code' => 'clamp-share-agent',
+        'name' => 'Clamp Share Agent',
+        'username' => 'clamp_share_agent',
+        'total_share_rate' => 60,
+    ]));
+    $childAgent = $service->createChild($super, agentChildPayload([
+        'parent_id' => $agent->id,
+        'code' => 'clamp-share-child',
+        'name' => 'Clamp Share Child',
+        'username' => 'clamp_share_child',
+        'total_share_rate' => 40,
+    ]));
+    $grandchildAgent = $service->createChild($super, agentChildPayload([
+        'parent_id' => $childAgent->id,
+        'code' => 'clamp-share-grandchild',
+        'name' => 'Clamp Share Grandchild',
+        'username' => 'clamp_share_grandchild',
+        'total_share_rate' => 25,
+    ]));
+    $lowShareGrandchild = $service->createChild($super, agentChildPayload([
+        'parent_id' => $childAgent->id,
+        'code' => 'clamp-share-low',
+        'name' => 'Clamp Share Low',
+        'username' => 'clamp_share_low',
+        'total_share_rate' => 15,
+    ]));
+
+    $token = $super->createToken('test', ['*'], now()->addDay())->plainTextToken;
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->putJson('/api/v1/admin/agent-nodes/'.$agent->id.'/profile', [
+            'total_share_rate' => 20,
+        ])
+        ->assertOk()
+        ->assertJsonPath('data.total_share_rate', 20);
+
+    $childProfile = DB::table('agent_profiles')->where('agent_node_id', $childAgent->id)->first();
+    expect(round((float) $childProfile->total_share_rate, 4))->toBe(20.0);
+
+    $grandchildProfile = DB::table('agent_profiles')->where('agent_node_id', $grandchildAgent->id)->first();
+    expect(round((float) $grandchildProfile->total_share_rate, 4))->toBe(20.0);
+
+    $lowShareGrandchildProfile = DB::table('agent_profiles')->where('agent_node_id', $lowShareGrandchild->id)->first();
+    expect(round((float) $lowShareGrandchildProfile->total_share_rate, 4))->toBe(15.0);
+});
+
 test('partial agent profile update preserves unchanged share rate', function (): void {
     $siteId = (int) DB::table('admin_sites')->where('is_default', true)->value('id');
     $rootId = (int) DB::table('agent_nodes')->where('admin_site_id', $siteId)->where('depth', 0)->value('id');
diff --git a/tests/Feature/AdminAuthLoginTest.php b/tests/Feature/AdminAuthLoginTest.php
index 043ee4e..5e478c9 100644
--- a/tests/Feature/AdminAuthLoginTest.php
+++ b/tests/Feature/AdminAuthLoginTest.php
@@ -2,6 +2,7 @@
 
 use App\Models\AdminUser;
 use App\Lottery\ErrorCode;
+use App\Support\SitePlatformRole;
 use Illuminate\Support\Str;
 use Illuminate\Support\Facades\DB;
 use Illuminate\Support\Facades\Cache;
@@ -152,6 +153,36 @@ test('agent operator auth me omits platform-only navigation', function (): void
         ->and($keys)->not->toContain('admin_users', 'admin_roles', 'settings', 'integration', 'rules_plays');
 });
 
+test('site admin auth me omits system settings navigation', function (): void {
+    $this->artisan('lottery:admin-auth-sync')->assertExitCode(0);
+
+    $admin = AdminUser::query()->create([
+        'username' => 'site_admin_nav',
+        'name' => 'Site Admin Nav',
+        'email' => null,
+        'password' => 'secret-strong',
+        'status' => 0,
+    ]);
+
+    $admin->roles()->sync([
+        SitePlatformRole::id() => [
+            'site_id' => AdminUser::defaultAdminSiteId(),
+            'granted_at' => now(),
+        ],
+    ]);
+
+    $token = $admin->createToken('test', ['*'], now()->addDay())->plainTextToken;
+
+    $segments = $this->withHeader('Authorization', 'Bearer '.$token)
+        ->getJson('/api/v1/admin/auth/me')
+        ->assertOk()
+        ->json('data.admin.navigation');
+
+    $keys = array_column($segments, 'segment');
+    expect($keys)->toContain('dashboard', 'agents', 'players', 'wallet')
+        ->and($keys)->not->toContain('settings', 'admin_users', 'admin_roles', 'integration', 'rules_plays');
+});
+
 test('admin captcha exposes key and image base64', function () {
     $resp = $this->getJson('/api/v1/admin/auth/captcha');
 
diff --git a/tests/Feature/AdminPlayerManageApiTest.php b/tests/Feature/AdminPlayerManageApiTest.php
index 844832a..2c6dabd 100644
--- a/tests/Feature/AdminPlayerManageApiTest.php
+++ b/tests/Feature/AdminPlayerManageApiTest.php
@@ -237,6 +237,60 @@ test('player manage permission gates write and freeze APIs separately from view
         ->assertOk();
 });
 
+test('agent players list can filter direct players without including downline players', function (): void {
+    $siteId = (int) DB::table('admin_sites')->where('is_default', true)->value('id');
+    $siteCode = (string) DB::table('admin_sites')->where('id', $siteId)->value('code');
+    $rootId = (int) DB::table('agent_nodes')->where('admin_site_id', $siteId)->where('depth', 0)->value('id');
+
+    $super = AdminUser::query()->create([
+        'username' => 'direct_player_super',
+        'name' => 'Direct Player Super',
+        'email' => null,
+        'password' => Hash::make('secret-strong'),
+        'status' => 0,
+    ]);
+    grantSuperAdminRole($super);
+
+    $child = app(\App\Services\Agent\AgentNodeService::class)->createChild($super, [
+        'parent_id' => $rootId,
+        'code' => 'direct-child',
+        'name' => 'Direct Child',
+    ]);
+
+    $rootPlayer = Player::query()->create([
+        'site_code' => $siteCode,
+        'agent_node_id' => $rootId,
+        'site_player_id' => 'direct-root-player',
+        'username' => 'direct_root_player',
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+    $childPlayer = Player::query()->create([
+        'site_code' => $siteCode,
+        'agent_node_id' => $child->id,
+        'site_player_id' => 'direct-child-player',
+        'username' => 'direct_child_player',
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $token = playerManageAdminToken();
+
+    $rootResponse = $this->withHeader('Authorization', 'Bearer '.$token)
+        ->getJson('/api/v1/admin/players?site_code='.$siteCode.'&agent_node_id='.$rootId.'&agent_scope=direct');
+
+    $rootResponse->assertOk()->assertJsonPath('data.meta.total', 1);
+    $rootIds = collect($rootResponse->json('data.items'))->pluck('id')->map(static fn ($id): int => (int) $id);
+    expect($rootIds)->toContain($rootPlayer->id)->not->toContain($childPlayer->id);
+
+    $childResponse = $this->withHeader('Authorization', 'Bearer '.$token)
+        ->getJson('/api/v1/admin/players?site_code='.$siteCode.'&agent_node_id='.$child->id.'&agent_scope=direct');
+
+    $childResponse->assertOk()->assertJsonPath('data.meta.total', 1);
+    $childIds = collect($childResponse->json('data.items'))->pluck('id')->map(static fn ($id): int => (int) $id);
+    expect($childIds)->toContain($childPlayer->id)->not->toContain($rootPlayer->id);
+});
+
 test('admin can update player default currency and validation rejects unknown code', function (): void {
     $player = Player::query()->create([
         'site_code' => 'main',
@@ -244,6 +298,7 @@ test('admin can update player default currency and validation rejects unknown co
         'username' => 'currency_user',
         'nickname' => 'Currency',
         'default_currency' => 'NPR',
+        'funding_mode' => PlayerFundingMode::WALLET,
         'status' => 0,
     ]);
 
@@ -268,6 +323,46 @@ test('admin can update player default currency and validation rejects unknown co
         ->assertStatus(422);
 });
 
+test('admin cannot change credit player default currency', function (): void {
+    $siteCode = DB::table('admin_sites')->where('is_default', true)->value('code');
+    $siteCode = is_string($siteCode) && $siteCode !== '' ? $siteCode : 'default_site';
+    $rootId = (int) DB::table('agent_nodes')->where('depth', 0)->value('id');
+
+    $player = Player::query()->create([
+        'site_code' => $siteCode,
+        'agent_node_id' => $rootId,
+        'site_player_id' => 'credit-currency-locked-1',
+        'auth_source' => PlayerAuthSource::LOTTERY_NATIVE,
+        'funding_mode' => PlayerFundingMode::CREDIT,
+        'username' => 'credit_currency_locked',
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    DB::table('player_credit_accounts')->insert([
+        'player_id' => $player->id,
+        'credit_limit' => 500,
+        'used_credit' => 120,
+        'frozen_credit' => 0,
+        'created_at' => now(),
+        'updated_at' => now(),
+    ]);
+
+    $token = playerManageAdminToken();
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->putJson('/api/v1/admin/players/'.$player->id, [
+            'default_currency' => 'USD',
+        ])
+        ->assertStatus(422)
+        ->assertJsonPath('code', \App\Lottery\ErrorCode::ValidationFailed->value);
+
+    $this->assertDatabaseHas('players', [
+        'id' => $player->id,
+        'default_currency' => 'NPR',
+    ]);
+});
+
 test('admin can set player credit limit without clobbering used credit', function (): void {
     $siteCode = DB::table('admin_sites')->where('is_default', true)->value('code');
     $siteCode = is_string($siteCode) && $siteCode !== '' ? $siteCode : 'default_site';
diff --git a/tests/Feature/AdminSettingBatchUpdateTest.php b/tests/Feature/AdminSettingBatchUpdateTest.php
index b08d54c..a15ee4d 100644
--- a/tests/Feature/AdminSettingBatchUpdateTest.php
+++ b/tests/Feature/AdminSettingBatchUpdateTest.php
@@ -4,6 +4,7 @@ use App\Models\AdminRole;
 use App\Models\AdminUser;
 use App\Models\LotterySetting;
 use App\Services\LotterySettings;
+use App\Support\SitePlatformRole;
 use Illuminate\Support\Facades\Hash;
 use Illuminate\Foundation\Testing\RefreshDatabase;
 
@@ -22,24 +23,7 @@ function settingsAdminToken(): string
         'password' => Hash::make('secret-strong'),
         'status' => 0,
     ]);
-
-    $role = AdminRole::query()->create([
-        'slug' => 'settings_role',
-        'name' => 'Settings Role',
-    ]);
-    $role->syncLegacyPermissionSlugs([
-        'prd.payout.manage',
-        'prd.draw_result.manage',
-        'prd.wallet_reconcile.manage',
-        'prd.rebate.manage',
-    ]);
-
-    $admin->roles()->sync([
-        (int) $role->id => [
-            'site_id' => AdminUser::defaultAdminSiteId(),
-            'granted_at' => now(),
-        ],
-    ]);
+    grantSuperAdminRole($admin);
 
     return $admin->createToken('test', ['*'], now()->addDay())->plainTextToken;
 }
@@ -70,6 +54,26 @@ function settingsReadOnlyToken(): string
     return $admin->createToken('test', ['*'], now()->addDay())->plainTextToken;
 }
 
+function settingsSiteAdminToken(): string
+{
+    $admin = AdminUser::query()->create([
+        'username' => 'settings_site_admin',
+        'name' => 'Settings Site Admin',
+        'email' => null,
+        'password' => Hash::make('secret-strong'),
+        'status' => 0,
+    ]);
+
+    $admin->roles()->sync([
+        SitePlatformRole::id() => [
+            'site_id' => AdminUser::defaultAdminSiteId(),
+            'granted_at' => now(),
+        ],
+    ]);
+
+    return $admin->createToken('test', ['*'], now()->addDay())->plainTextToken;
+}
+
 test('admin can batch update settings in one request', function (): void {
     LotterySettings::put('draw.cooldown_minutes', 15, 'draw');
     LotterySettings::put('draw.require_manual_review', true, 'draw');
@@ -124,6 +128,35 @@ test('admin settings deployment returns read only snapshot', function (): void {
         ->assertJsonFragment(['key' => 'draw.interval_minutes', 'value' => 7]);
 });
 
+test('site admin cannot access system settings endpoints', function (): void {
+    LotterySettings::put('frontend.play_rules_html_zh', '<div>old</div>', 'frontend');
+    $token = settingsSiteAdminToken();
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->getJson('/api/v1/admin/settings')
+        ->assertForbidden();
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->getJson('/api/v1/admin/settings/deployment')
+        ->assertForbidden();
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->putJson('/api/v1/admin/settings/frontend.play_rules_html_zh', [
+            'value' => '<div>new</div>',
+        ])
+        ->assertForbidden();
+
+    $this->withHeader('Authorization', 'Bearer '.$token)
+        ->putJson('/api/v1/admin/settings/batch', [
+            'items' => [
+                ['key' => 'frontend.play_rules_html_zh', 'value' => '<div>new</div>'],
+            ],
+        ])
+        ->assertForbidden();
+
+    expect(LotterySetting::query()->where('setting_key', 'frontend.play_rules_html_zh')->value('value_json'))->toBe('<div>old</div>');
+});
+
 test('admin settings batch update rejects empty items', function (): void {
     $token = settingsAdminToken();
 
@@ -232,7 +265,7 @@ test('wallet max limit cannot be less than current min limit', function (): void
     expect(LotterySetting::query()->where('setting_key', 'wallet.transfer_in_max_minor')->value('value_json'))->toBe(10_000);
 });
 
-test('settings updates require permission for their setting group', function (): void {
+test('non super admin cannot update settings even with setting related permissions', function (): void {
     LotterySettings::put('draw.cooldown_minutes', 15, 'draw');
     LotterySettings::put('frontend.play_rules_html_zh', '<div>old</div>', 'frontend');
 
@@ -248,8 +281,8 @@ test('settings updates require permission for their setting group', function ():
         ->putJson('/api/v1/admin/settings/frontend.play_rules_html_zh', [
             'value' => '<div>new</div>',
         ])
-        ->assertOk();
+        ->assertForbidden();
 
     expect(LotterySetting::query()->where('setting_key', 'draw.cooldown_minutes')->value('value_json'))->toBe(15)
-        ->and(LotterySetting::query()->where('setting_key', 'frontend.play_rules_html_zh')->value('value_json'))->toBe('<div>new</div>');
+        ->and(LotterySetting::query()->where('setting_key', 'frontend.play_rules_html_zh')->value('value_json'))->toBe('<div>old</div>');
 });
diff --git a/tests/Feature/AgentPeriodCloseFromGameSettlementTest.php b/tests/Feature/AgentPeriodCloseFromGameSettlementTest.php
index 40481dc..f9610ce 100644
--- a/tests/Feature/AgentPeriodCloseFromGameSettlementTest.php
+++ b/tests/Feature/AgentPeriodCloseFromGameSettlementTest.php
@@ -138,6 +138,9 @@ test('period close aggregates share ledger written by game settlement recorder',
     expect($recorder->shouldRecord($item))->toBeTrue();
 
     $recorder->recordForTicketItem($item, 0, 'settled_lose');
+    DB::table('player_credit_accounts')
+        ->where('player_id', $player->id)
+        ->update(['used_credit' => \App\Support\CreditAmountScale::minorToMajor($betMinor, 'NPR')]);
 
     $item->refresh();
     expect($item->agent_settled_at)->not->toBeNull()
@@ -168,9 +171,26 @@ test('period close aggregates share ledger written by game settlement recorder',
         ->where('owner_id', $player->id)
         ->first();
 
+    $usedAfterClose = (int) DB::table('player_credit_accounts')
+        ->where('player_id', $player->id)
+        ->value('used_credit');
+    $rebateCreditLedger = DB::table('credit_ledger')
+        ->where('owner_type', 'player')
+        ->where('owner_id', $player->id)
+        ->where('reason', 'rebate_in_bill')
+        ->where('ref_type', 'settlement_bill')
+        ->where('ref_id', $playerBill->id ?? 0)
+        ->first();
+
     expect($playerBill)->not->toBeNull()
         ->and((int) $playerBill->gross_win_loss)->toBe($betMinor)
-        ->and((int) $playerBill->rebate_amount)->toBeGreaterThan(0);
+        ->and((int) $playerBill->rebate_amount)->toBeGreaterThan(0)
+        ->and($rebateCreditLedger)->not->toBeNull()
+        ->and((int) $rebateCreditLedger->amount)->toBe((int) $playerBill->rebate_amount)
+        ->and($usedAfterClose)->toBe(
+            \App\Support\CreditAmountScale::minorToMajor($betMinor, 'NPR')
+            - \App\Support\CreditAmountScale::minorToMajor((int) $playerBill->rebate_amount, 'NPR'),
+        );
 });
 
 test('credit settlement records base rebate plus add-on rebate and keeps extra rebate separate', function (): void {
diff --git a/tests/Feature/CreditWalletLogsTest.php b/tests/Feature/CreditWalletLogsTest.php
index 06d8752..7065f77 100644
--- a/tests/Feature/CreditWalletLogsTest.php
+++ b/tests/Feature/CreditWalletLogsTest.php
@@ -141,6 +141,72 @@ test('credit player wallet logs distinguish win credit from bill settlement', fu
         ->assertJsonPath('data.items.0.type', 'game_settlement');
 });
 
+test('credit wallet logs cap available credit after win above credit limit', function (): void {
+    $player = Player::query()->create([
+        'site_code' => 'default_site',
+        'site_player_id' => 'native:logs-win-cap',
+        'auth_source' => PlayerAuthSource::LOTTERY_NATIVE,
+        'funding_mode' => PlayerFundingMode::CREDIT,
+        'username' => 'credit_logs_win_cap',
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    DB::table('player_credit_accounts')->insert([
+        'player_id' => $player->id,
+        'credit_limit' => 200,
+        'used_credit' => 0,
+        'frozen_credit' => 0,
+        'created_at' => now(),
+        'updated_at' => now(),
+    ]);
+
+    DB::table('credit_ledger')->insert([
+        [
+            'owner_type' => 'player',
+            'owner_id' => $player->id,
+            'amount' => -5000,
+            'reason' => 'bet_hold',
+            'ref_type' => 'bet',
+            'ref_id' => 1,
+            'created_at' => now()->subMinutes(2),
+            'updated_at' => now()->subMinutes(2),
+        ],
+        [
+            'owner_type' => 'player',
+            'owner_id' => $player->id,
+            'amount' => 5000,
+            'reason' => 'bet_hold_release',
+            'ref_type' => 'ticket_item',
+            'ref_id' => 1,
+            'created_at' => now()->subMinute(),
+            'updated_at' => now()->subMinute(),
+        ],
+        [
+            'owner_type' => 'player',
+            'owner_id' => $player->id,
+            'amount' => 50000,
+            'reason' => 'game_settlement_win',
+            'ref_type' => 'ticket_item',
+            'ref_id' => 1,
+            'created_at' => now(),
+            'updated_at' => now(),
+        ],
+    ]);
+
+    $data = $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->getJson('/api/v1/wallet/logs?page=1&size=10')
+        ->assertOk()
+        ->json('data');
+
+    expect($data['items'][0]['biz_type'])->toBe('game_settlement_win')
+        ->and($data['items'][0]['balance_after'])->toBe(20000)
+        ->and($data['items'][1]['biz_type'])->toBe('bet_hold_release')
+        ->and($data['items'][1]['balance_after'])->toBe(0)
+        ->and($data['items'][2]['biz_type'])->toBe('bet_hold')
+        ->and($data['items'][2]['balance_after'])->toBe(0);
+});
+
 test('credit player wallet logs include period rebate records without affecting available credit', function (): void {
     $player = Player::query()->create([
         'site_code' => 'default_site',
@@ -276,6 +342,6 @@ test('credit wallet logs page 2 balance_after continues from page 1 baseline', f
     $page1LastBalanceAfter = $page1['items'][9]['balance_after'];
     $page2FirstBalanceAfter = $page2['items'][0]['balance_after'];
 
-    // Page 2 must continue the running balance from page 1, not restart at current available.
-    expect($page2FirstBalanceAfter)->toBe($page1LastBalanceAfter + 1000);
+    // Page 2 must continue the running balance from page 1, capped by credit limit.
+    expect($page2FirstBalanceAfter)->toBe(min($page1LastBalanceAfter + 1000, 50000));
 });
diff --git a/tests/Feature/SettlementPartialPaymentCreditTest.php b/tests/Feature/SettlementPartialPaymentCreditTest.php
index e486620..815ce25 100644
--- a/tests/Feature/SettlementPartialPaymentCreditTest.php
+++ b/tests/Feature/SettlementPartialPaymentCreditTest.php
@@ -124,6 +124,26 @@ test('partial payments accumulate settlement_confirm ledger and release used cre
     expect((string) DB::table('settlement_bills')->where('id', $billId)->value('status'))->toBe('settled');
 });
 
+test('rebate in player bill plus net payment releases full loss credit', function (): void {
+    $fixture = partialPaymentCreditFixture(900, 10);
+    $player = $fixture['player'];
+    $billId = $fixture['billId'];
+    $adminId = (int) $fixture['admin']->id;
+
+    app(\App\Services\Player\PlayerCreditService::class)->releaseRebateInBill($player, 100, $billId);
+
+    expect((int) DB::table('player_credit_accounts')->where('player_id', $player->id)->value('used_credit'))
+        ->toBe(9);
+
+    app(SettlementPaymentService::class)->recordPayment($billId, 900, $adminId);
+
+    expect((int) DB::table('player_credit_accounts')->where('player_id', $player->id)->value('used_credit'))
+        ->toBe(0);
+    expect(settlementBillLedgerRows($player, $billId, 'rebate_in_bill'))->toHaveCount(1)
+        ->and((int) settlementBillLedgerRows($player, $billId, 'rebate_in_bill')[0]->amount)->toBe(100)
+        ->and((int) settlementBillLedgerRows($player, $billId, 'settlement_confirm')[0]->amount)->toBe(900);
+});
+
 test('partial payments accumulate settlement_payout ledger for player win bill', function (): void {
     $fixture = partialPaymentCreditFixture(-800);
     $player = $fixture['player'];
diff --git a/tests/Feature/TicketBettingApiTest.php b/tests/Feature/TicketBettingApiTest.php
index 699bc57..ee7317b 100644
--- a/tests/Feature/TicketBettingApiTest.php
+++ b/tests/Feature/TicketBettingApiTest.php
@@ -1033,6 +1033,61 @@ test('credit player ticket preview shows period rebate estimate without instant
         ->assertJsonPath('data.lines.0.actual_deduct_amount', 10_000);
 });
 
+test('credit player preview and place reject non default currency', function (): void {
+    $site = DB::table('admin_sites')->where('is_default', true)->first();
+    $rootId = (int) DB::table('agent_nodes')->where('depth', 0)->value('id');
+
+    $player = Player::query()->create([
+        'site_code' => (string) $site->code,
+        'agent_node_id' => $rootId,
+        'site_player_id' => 'native:credit-currency-mismatch',
+        'auth_source' => 'lottery_native',
+        'funding_mode' => 'credit',
+        'username' => 'credit_currency_user',
+        'password_hash' => bcrypt('secret-pass'),
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    DB::table('player_credit_accounts')->insert([
+        'player_id' => $player->id,
+        'credit_limit' => 500_000,
+        'used_credit' => 0,
+        'frozen_credit' => 0,
+        'created_at' => now(),
+        'updated_at' => now(),
+    ]);
+
+    ticketOpenDraw('20260511-credit-currency');
+
+    $payload = [
+        'draw_id' => '20260511-credit-currency',
+        'currency_code' => 'USD',
+        'client_trace_id' => 'trace-credit-currency-mismatch',
+        'lines' => [
+            ['number' => '12', 'play_code' => 'pos_2a', 'amount' => 10_000],
+        ],
+    ];
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->postJson('/api/v1/ticket/preview', $payload)
+        ->assertStatus(400)
+        ->assertJsonPath('code', ErrorCode::ConfigCurrencyInvalid->value)
+        ->assertJsonPath('data.currency_code', 'USD')
+        ->assertJsonPath('data.expected_currency', 'NPR');
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->postJson('/api/v1/ticket/place', $payload)
+        ->assertStatus(400)
+        ->assertJsonPath('code', ErrorCode::ConfigCurrencyInvalid->value)
+        ->assertJsonPath('data.currency_code', 'USD')
+        ->assertJsonPath('data.expected_currency', 'NPR');
+
+    expect(TicketOrder::query()->where('player_id', $player->id)->exists())->toBeFalse()
+        ->and(DB::table('credit_ledger')->where('owner_id', $player->id)->exists())->toBeFalse();
+});
+
 test('ticket pending confirmation reconcile releases risk when wallet deduction is missing', function (): void {
     $draw = ticketOpenDraw();
     $player = ticketPlayerWithWallet();
diff --git a/tests/Feature/WalletSettlementBillsTest.php b/tests/Feature/WalletSettlementBillsTest.php
new file mode 100644
index 0000000..9c397eb
--- /dev/null
+++ b/tests/Feature/WalletSettlementBillsTest.php
@@ -0,0 +1,160 @@
+<?php
+
+use App\Models\Player;
+use App\Support\PlayerAuthSource;
+use App\Support\PlayerFundingMode;
+use Database\Seeders\CurrencySeeder;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+use Illuminate\Support\Facades\DB;
+
+uses(RefreshDatabase::class);
+
+beforeEach(function (): void {
+    $this->seed(CurrencySeeder::class);
+});
+
+test('credit player can view own pending settlement bills summary', function (): void {
+    $siteId = (int) DB::table('admin_sites')->where('is_default', true)->value('id');
+    $player = Player::query()->create([
+        'site_code' => 'default_site',
+        'site_player_id' => 'native:settlement-bills',
+        'auth_source' => PlayerAuthSource::LOTTERY_NATIVE,
+        'funding_mode' => PlayerFundingMode::CREDIT,
+        'username' => 'settlement_bills_player',
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $periodId = (int) DB::table('settlement_periods')->insertGetId([
+        'admin_site_id' => $siteId,
+        'period_start' => now()->subWeek(),
+        'period_end' => now(),
+        'status' => 'closed',
+        'created_at' => now(),
+        'updated_at' => now(),
+    ]);
+
+    DB::table('settlement_bills')->insert([
+        [
+            'settlement_period_id' => $periodId,
+            'bill_type' => 'player',
+            'owner_type' => 'player',
+            'owner_id' => $player->id,
+            'counterparty_type' => 'agent',
+            'counterparty_id' => 1,
+            'gross_win_loss' => -50000,
+            'rebate_amount' => 0,
+            'adjustment_amount' => 0,
+            'net_amount' => -50000,
+            'paid_amount' => 10000,
+            'unpaid_amount' => 40000,
+            'status' => 'partial_paid',
+            'created_at' => now(),
+            'updated_at' => now(),
+        ],
+        [
+            'settlement_period_id' => $periodId,
+            'bill_type' => 'player',
+            'owner_type' => 'player',
+            'owner_id' => $player->id,
+            'counterparty_type' => 'agent',
+            'counterparty_id' => 1,
+            'gross_win_loss' => 12000,
+            'rebate_amount' => 0,
+            'adjustment_amount' => 0,
+            'net_amount' => 12000,
+            'paid_amount' => 0,
+            'unpaid_amount' => 12000,
+            'status' => 'confirmed',
+            'created_at' => now(),
+            'updated_at' => now(),
+        ],
+    ]);
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->getJson('/api/v1/wallet/settlement-bills')
+        ->assertOk()
+        ->assertJsonPath('data.summary.pending_receivable', 40000)
+        ->assertJsonPath('data.summary.pending_payable', 12000)
+        ->assertJsonPath('data.summary.net_pending', 28000)
+        ->assertJsonPath('data.summary.pending_count', 2)
+        ->assertJsonPath('data.items.0.direction', 'payable')
+        ->assertJsonPath('data.items.1.direction', 'receivable');
+});
+
+test('credit player win above credit limit is shown as agent payable to player', function (): void {
+    $siteId = (int) DB::table('admin_sites')->where('is_default', true)->value('id');
+    $player = Player::query()->create([
+        'site_code' => 'default_site',
+        'site_player_id' => 'native:settlement-win-above-limit',
+        'auth_source' => PlayerAuthSource::LOTTERY_NATIVE,
+        'funding_mode' => PlayerFundingMode::CREDIT,
+        'username' => 'settlement_win_above_limit',
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    DB::table('player_credit_accounts')->insert([
+        'player_id' => $player->id,
+        'credit_limit' => 200,
+        'used_credit' => 0,
+        'frozen_credit' => 0,
+        'created_at' => now(),
+        'updated_at' => now(),
+    ]);
+
+    $periodId = (int) DB::table('settlement_periods')->insertGetId([
+        'admin_site_id' => $siteId,
+        'period_start' => now()->subWeek(),
+        'period_end' => now(),
+        'status' => 'closed',
+        'created_at' => now(),
+        'updated_at' => now(),
+    ]);
+
+    DB::table('settlement_bills')->insert([
+        'settlement_period_id' => $periodId,
+        'bill_type' => 'player',
+        'owner_type' => 'player',
+        'owner_id' => $player->id,
+        'counterparty_type' => 'agent',
+        'counterparty_id' => 1,
+        'gross_win_loss' => -25000,
+        'rebate_amount' => 0,
+        'adjustment_amount' => 0,
+        'net_amount' => -25000,
+        'paid_amount' => 0,
+        'unpaid_amount' => 25000,
+        'status' => 'confirmed',
+        'created_at' => now(),
+        'updated_at' => now(),
+    ]);
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->getJson('/api/v1/wallet/settlement-bills')
+        ->assertOk()
+        ->assertJsonPath('data.summary.pending_receivable', 25000)
+        ->assertJsonPath('data.summary.pending_payable', 0)
+        ->assertJsonPath('data.summary.net_pending', 25000)
+        ->assertJsonPath('data.items.0.direction', 'receivable')
+        ->assertJsonPath('data.items.0.unpaid_amount', 25000)
+        ->assertJsonPath('data.items.0.net_amount', -25000);
+});
+
+test('wallet player settlement bills response is empty', function (): void {
+    $player = Player::query()->create([
+        'site_code' => 'default_site',
+        'site_player_id' => 'wallet:settlement-bills',
+        'auth_source' => PlayerAuthSource::MAIN_SITE_SSO,
+        'funding_mode' => PlayerFundingMode::WALLET,
+        'username' => 'wallet_settlement_bills',
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    $this->withHeader('Authorization', 'Bearer dev:'.$player->id)
+        ->getJson('/api/v1/wallet/settlement-bills')
+        ->assertOk()
+        ->assertJsonPath('data.summary.pending_count', 0)
+        ->assertJsonCount(0, 'data.items');
+});