diff --git a/src/data/dto/user/__tests__/user.test.ts b/src/data/dto/user/__tests__/user.test.ts
index 3e20624d..28079915 100644
--- a/src/data/dto/user/__tests__/user.test.ts
+++ b/src/data/dto/user/__tests__/user.test.ts
@@ -1,5 +1,6 @@
 import { describe, expect, it } from "vitest";
 
+import { UserEntitlements } from "@/data/dto/user";
 import { User } from "@/data/dto/user/user";
 
 describe("User", () => {
@@ -42,4 +43,51 @@ describe("User", () => {
       lastMessageAt: "2026-06-24T11:00:23.156561+00:00",
     });
   });
+
+  it("parses the latest backend entitlements payload", () => {
+    const entitlements = UserEntitlements.fromJson({
+      userId: "user-1",
+      isGuest: false,
+      isVip: true,
+      vipExpiresAt: "2026-07-26T00:00:00+00:00",
+      creditBalance: 120,
+      dolBalance: 120,
+      policy: {
+        membershipState: "vip",
+        nonVipEntitlementsShared: true,
+        guestSameAsLoggedInNonVip: true,
+        refreshAfterPayment: "GET /api/user/entitlements",
+      },
+      costs: {
+        normal_message: 2,
+        private_message: 10,
+        voice_message: 20,
+        photo: 40,
+        voice_call_minute: 50,
+        private_album_10: 300,
+        private_album_20: 600,
+      },
+      quotas: {
+        normalChatFreeDaily: 30,
+        privateUnlockFreeDaily: 1,
+        voiceMessageFreeDaily: 0,
+        photoFreeDaily: 0,
+      },
+      historyUnlock: {
+        enabled: true,
+        order: "oldest_first",
+        chargeMode: "highest_cost_per_locked_message",
+        insufficientBalanceBehavior: "no_deduction",
+        costs: {
+          private_message: 10,
+          voice_message: 20,
+          photo: 40,
+        },
+      },
+    });
+
+    expect(entitlements.isVip).toBe(true);
+    expect(entitlements.creditBalance).toBe(120);
+    expect(entitlements.historyUnlock.costs.photo).toBe(40);
+  });
 });
diff --git a/src/data/dto/user/index.ts b/src/data/dto/user/index.ts
index 3e0d014a..c48ea1ab 100644
--- a/src/data/dto/user/index.ts
+++ b/src/data/dto/user/index.ts
@@ -9,5 +9,6 @@ export * from "./personality_traits";
 export * from "./recent_memory";
 export * from "./update_profile_request";
 export * from "./user";
+export * from "./user_entitlements";
 export * from "./user_stats_response";
 export * from "./user_view";
diff --git a/src/data/dto/user/user_entitlements.ts b/src/data/dto/user/user_entitlements.ts
new file mode 100644
index 00000000..e17e3878
--- /dev/null
+++ b/src/data/dto/user/user_entitlements.ts
@@ -0,0 +1,39 @@
+/**
+ * 用户权益快照 DTO
+ */
+import {
+  UserEntitlementsSchema,
+  type UserEntitlementsData,
+  type UserEntitlementsInput,
+} from "@/data/schemas/user/user_entitlements";
+
+export class UserEntitlements {
+  declare readonly userId: string;
+  declare readonly isGuest: boolean;
+  declare readonly isVip: boolean;
+  declare readonly vipExpiresAt: string | null;
+  declare readonly creditBalance: number;
+  declare readonly dolBalance: number;
+  declare readonly policy: UserEntitlementsData["policy"];
+  declare readonly costs: UserEntitlementsData["costs"];
+  declare readonly quotas: UserEntitlementsData["quotas"];
+  declare readonly historyUnlock: UserEntitlementsData["historyUnlock"];
+
+  private constructor(input: UserEntitlementsInput) {
+    const data = UserEntitlementsSchema.parse(input);
+    Object.assign(this, data);
+    Object.freeze(this);
+  }
+
+  static from(input: UserEntitlementsInput): UserEntitlements {
+    return new UserEntitlements(input);
+  }
+
+  static fromJson(json: unknown): UserEntitlements {
+    return UserEntitlements.from(json as UserEntitlementsInput);
+  }
+
+  toJson(): UserEntitlementsData {
+    return UserEntitlementsSchema.parse(this);
+  }
+}
diff --git a/src/data/dto/user/user_view.ts b/src/data/dto/user/user_view.ts
index c59d6554..8ae83448 100644
--- a/src/data/dto/user/user_view.ts
+++ b/src/data/dto/user/user_view.ts
@@ -12,6 +12,8 @@ export const UserViewSchema = z.object({
   avatarUrl: z.string(),
   intimacy: z.number(),
   dolBalance: z.number(),
+  creditBalance: z.number(),
+  vipExpiresAt: z.string().nullable(),
   relationshipStage: z.string(),
   currentMood: z.string(),
   isGuest: z.boolean(),
diff --git a/src/data/repositories/interfaces/iuser_repository.ts b/src/data/repositories/interfaces/iuser_repository.ts
index ba2d96b6..c093d97a 100644
--- a/src/data/repositories/interfaces/iuser_repository.ts
+++ b/src/data/repositories/interfaces/iuser_repository.ts
@@ -15,6 +15,7 @@ import type {
   CreditsHistoryData,
   UpdateProfileRequest,
   User,
+  UserEntitlements,
   UserStatsResponse,
 } from "@/data/dto/user";
 
@@ -36,4 +37,7 @@ export interface IUserRepository {
     limit?: number,
     offset?: number,
   ): Promise<Result<CreditsHistoryData>>;
+
+  /** 获取当前用户权益快照。 */
+  getEntitlements(): Promise<Result<UserEntitlements>>;
 }
diff --git a/src/data/repositories/user_repository.ts b/src/data/repositories/user_repository.ts
index ed039e6f..43ff20c3 100644
--- a/src/data/repositories/user_repository.ts
+++ b/src/data/repositories/user_repository.ts
@@ -14,6 +14,7 @@ import {
   CreditsHistoryData,
   UpdateProfileRequest,
   User,
+  UserEntitlements,
   UserStatsResponse,
 } from "@/data/dto/user";
 import { Result } from "@/utils";
@@ -49,6 +50,11 @@ export class UserRepository implements IUserRepository {
   ): Promise<Result<CreditsHistoryData>> {
     return Result.wrap(() => this.api.getCreditsHistory(limit, offset));
   }
+
+  /** 获取当前用户权益快照。 */
+  async getEntitlements(): Promise<Result<UserEntitlements>> {
+    return Result.wrap(() => this.api.getEntitlements());
+  }
 }
 
 /** 全局单例。 */
diff --git a/src/data/schemas/user/index.ts b/src/data/schemas/user/index.ts
index 287d1254..923e6f62 100644
--- a/src/data/schemas/user/index.ts
+++ b/src/data/schemas/user/index.ts
@@ -9,4 +9,6 @@ export * from "./personality_traits";
 export * from "./recent_memory";
 export * from "./update_profile_request";
 export * from "./user";
+export * from "./user_entitlement_snapshot";
+export * from "./user_entitlements";
 export * from "./user_stats_response";
diff --git a/src/data/schemas/user/user_entitlement_snapshot.ts b/src/data/schemas/user/user_entitlement_snapshot.ts
new file mode 100644
index 00000000..4512b4f5
--- /dev/null
+++ b/src/data/schemas/user/user_entitlement_snapshot.ts
@@ -0,0 +1,21 @@
+/**
+ * 本地用户权益快照
+ *
+ * 只持久化 UI 初始化必须的两个字段，完整权益数据仍由
+ * `GET /api/user/entitlements` 实时获取。
+ */
+import { z } from "zod";
+
+import { booleanOrFalse, numberOrZero } from "../nullable-defaults";
+
+export const UserEntitlementSnapshotSchema = z.object({
+  isVip: booleanOrFalse,
+  creditBalance: numberOrZero,
+});
+
+export type UserEntitlementSnapshotInput = z.input<
+  typeof UserEntitlementSnapshotSchema
+>;
+export type UserEntitlementSnapshotData = z.output<
+  typeof UserEntitlementSnapshotSchema
+>;
diff --git a/src/data/schemas/user/user_entitlements.ts b/src/data/schemas/user/user_entitlements.ts
new file mode 100644
index 00000000..3524221d
--- /dev/null
+++ b/src/data/schemas/user/user_entitlements.ts
@@ -0,0 +1,105 @@
+/**
+ * 用户权益快照
+ */
+import { z } from "zod";
+
+import {
+  booleanOrFalse,
+  numberOrZero,
+  stringOrEmpty,
+} from "../nullable-defaults";
+
+export const UserEntitlementsPolicySchema = z
+  .object({
+    membershipState: stringOrEmpty,
+    nonVipEntitlementsShared: booleanOrFalse,
+    guestSameAsLoggedInNonVip: booleanOrFalse,
+    refreshAfterPayment: stringOrEmpty,
+  })
+  .passthrough();
+
+export const UserEntitlementsCostsSchema = z
+  .object({
+    normal_message: numberOrZero,
+    private_message: numberOrZero,
+    voice_message: numberOrZero,
+    photo: numberOrZero,
+    voice_call_minute: numberOrZero,
+    private_album_10: numberOrZero,
+    private_album_20: numberOrZero,
+  })
+  .passthrough();
+
+export const UserEntitlementsQuotasSchema = z
+  .object({
+    normalChatFreeDaily: numberOrZero,
+    privateUnlockFreeDaily: numberOrZero,
+    voiceMessageFreeDaily: numberOrZero,
+    photoFreeDaily: numberOrZero,
+  })
+  .passthrough();
+
+export const UserEntitlementsHistoryUnlockSchema = z
+  .object({
+    enabled: booleanOrFalse,
+    order: stringOrEmpty,
+    chargeMode: stringOrEmpty,
+    insufficientBalanceBehavior: stringOrEmpty,
+    costs: z
+      .object({
+        private_message: numberOrZero,
+        voice_message: numberOrZero,
+        photo: numberOrZero,
+      })
+      .passthrough()
+      .default(() => ({
+        private_message: 0,
+        voice_message: 0,
+        photo: 0,
+      })),
+  })
+  .passthrough();
+
+export const UserEntitlementsSchema = z.object({
+  userId: stringOrEmpty,
+  isGuest: booleanOrFalse,
+  isVip: booleanOrFalse,
+  vipExpiresAt: z.string().nullable().default(null),
+  creditBalance: numberOrZero,
+  dolBalance: numberOrZero,
+  policy: UserEntitlementsPolicySchema.default(() => ({
+    membershipState: "",
+    nonVipEntitlementsShared: false,
+    guestSameAsLoggedInNonVip: false,
+    refreshAfterPayment: "",
+  })),
+  costs: UserEntitlementsCostsSchema.default(() => ({
+    normal_message: 0,
+    private_message: 0,
+    voice_message: 0,
+    photo: 0,
+    voice_call_minute: 0,
+    private_album_10: 0,
+    private_album_20: 0,
+  })),
+  quotas: UserEntitlementsQuotasSchema.default(() => ({
+    normalChatFreeDaily: 0,
+    privateUnlockFreeDaily: 0,
+    voiceMessageFreeDaily: 0,
+    photoFreeDaily: 0,
+  })),
+  historyUnlock: UserEntitlementsHistoryUnlockSchema.default(() => ({
+    enabled: false,
+    order: "",
+    chargeMode: "",
+    insufficientBalanceBehavior: "",
+    costs: {
+      private_message: 0,
+      voice_message: 0,
+      photo: 0,
+    },
+  })),
+});
+
+export type UserEntitlementsInput = z.input<typeof UserEntitlementsSchema>;
+export type UserEntitlementsData = z.output<typeof UserEntitlementsSchema>;
diff --git a/src/data/services/api/api_path.ts b/src/data/services/api/api_path.ts
index 132e5e38..6f2c91c8 100644
--- a/src/data/services/api/api_path.ts
+++ b/src/data/services/api/api_path.ts
@@ -69,6 +69,9 @@ export class ApiPath {
   /** 查询积分操作历史 */
   static readonly userCreditsHistory = `${ApiPath._user}/credits/history`;
 
+  /** 获取当前用户权益快照 */
+  static readonly userEntitlements = `${ApiPath._user}/entitlements`;
+
   // ============ 支付相关 ============
   /** 创建充值订单 */
   static readonly paymentCreateOrder = `${ApiPath._payment}/create-order`;
diff --git a/src/data/services/api/user_api.ts b/src/data/services/api/user_api.ts
index 7f730a77..8f82ad75 100644
--- a/src/data/services/api/user_api.ts
+++ b/src/data/services/api/user_api.ts
@@ -12,6 +12,7 @@ import {
   CreditsHistoryData,
   UpdateProfileRequest,
   User,
+  UserEntitlements,
   UserStatsResponse,
 } from "@/data/dto/user";
 import type { UserData } from "@/data/schemas/user/user";
@@ -69,6 +70,14 @@ export class UserApi {
       unwrap(env) as Record<string, unknown>
     );
   }
+
+  /**
+   * 获取当前用户权益快照
+   */
+  async getEntitlements(): Promise<UserEntitlements> {
+    const env = await httpClient<ApiEnvelope<unknown>>(ApiPath.userEntitlements);
+    return UserEntitlements.fromJson(unwrap(env) as Record<string, unknown>);
+  }
 }
 
 /**
diff --git a/src/data/storage/storage_keys.ts b/src/data/storage/storage_keys.ts
index 372b23de..da9c5402 100644
--- a/src/data/storage/storage_keys.ts
+++ b/src/data/storage/storage_keys.ts
@@ -18,6 +18,7 @@ export const StorageKeys = {
   user: "user",
   userId: "user_id",
   userAvatar: "user_avatar",
+  userEntitlementSnapshot: "user_entitlement_snapshot",
 
   // chat
   chatHistory: "chat_history",
diff --git a/src/data/storage/user/iuser_storage.ts b/src/data/storage/user/iuser_storage.ts
index 8b72f508..e91f57d9 100644
--- a/src/data/storage/user/iuser_storage.ts
+++ b/src/data/storage/user/iuser_storage.ts
@@ -12,6 +12,7 @@
  */
 
 import type { Result } from "@/utils";
+import type { UserEntitlementSnapshotData } from "@/data/schemas/user/user_entitlement_snapshot";
 import type { UserData } from "@/data/schemas/user/user";
 
 export interface IUserStorage {
@@ -27,5 +28,11 @@ export interface IUserStorage {
   setAvatarUrl(url: string): Promise<Result<void>>;
   clearAvatarUrl(): Promise<Result<void>>;
 
+  getEntitlementSnapshot(): Promise<Result<UserEntitlementSnapshotData | null>>;
+  setEntitlementSnapshot(
+    data: UserEntitlementSnapshotData,
+  ): Promise<Result<void>>;
+  clearEntitlementSnapshot(): Promise<Result<void>>;
+
   clearUserData(): Promise<Result<void>>;
 }
diff --git a/src/data/storage/user/user_storage.ts b/src/data/storage/user/user_storage.ts
index fb079eda..40469477 100644
--- a/src/data/storage/user/user_storage.ts
+++ b/src/data/storage/user/user_storage.ts
@@ -15,6 +15,10 @@
  *   - 单例挂在 class 静态字段，HMR 复用安全
  */
 
+import {
+  UserEntitlementSnapshotSchema,
+  type UserEntitlementSnapshotData,
+} from "@/data/schemas/user/user_entitlement_snapshot";
 import { UserSchema, type UserData } from "@/data/schemas/user/user";
 import { type Result as ResultT, SpAsyncUtil } from "@/utils";
 import { StorageKeys } from "../storage_keys";
@@ -75,6 +79,31 @@ export class UserStorage implements IUserStorage {
     return SpAsyncUtil.remove(StorageKeys.userAvatar);
   }
 
+  // ---- entitlement snapshot ----
+
+  getEntitlementSnapshot(): Promise<
+    ResultT<UserEntitlementSnapshotData | null>
+  > {
+    return SpAsyncUtil.getJson(
+      StorageKeys.userEntitlementSnapshot,
+      UserEntitlementSnapshotSchema,
+    );
+  }
+
+  setEntitlementSnapshot(
+    data: UserEntitlementSnapshotData,
+  ): Promise<ResultT<void>> {
+    return SpAsyncUtil.setJson(
+      StorageKeys.userEntitlementSnapshot,
+      data,
+      UserEntitlementSnapshotSchema,
+    );
+  }
+
+  clearEntitlementSnapshot(): Promise<ResultT<void>> {
+    return SpAsyncUtil.remove(StorageKeys.userEntitlementSnapshot);
+  }
+
   // ---- bulk clear ----
 
   async clearUserData(): Promise<ResultT<void>> {
@@ -82,6 +111,8 @@ export class UserStorage implements IUserStorage {
     if (!r1.success) return r1;
     const r2 = await this.clearUserId();
     if (!r2.success) return r2;
-    return this.clearAvatarUrl();
+    const r3 = await this.clearAvatarUrl();
+    if (!r3.success) return r3;
+    return this.clearEntitlementSnapshot();
   }
 }
diff --git a/src/stores/user/__tests__/user-machine.helpers.test.ts b/src/stores/user/__tests__/user-machine.helpers.test.ts
index c63b9dcf..8efc94ca 100644
--- a/src/stores/user/__tests__/user-machine.helpers.test.ts
+++ b/src/stores/user/__tests__/user-machine.helpers.test.ts
@@ -1,6 +1,9 @@
 import { describe, expect, it } from "vitest";
 
-import { toView } from "@/stores/user/user-machine.helpers";
+import {
+  applyEntitlementSnapshotToView,
+  toView,
+} from "@/stores/user/user-machine.helpers";
 
 describe("toView", () => {
   it("fills optional user fields with stable defaults", () => {
@@ -11,6 +14,8 @@ describe("toView", () => {
       avatarUrl: "",
       intimacy: 0,
       dolBalance: 0,
+      creditBalance: 0,
+      vipExpiresAt: null,
       relationshipStage: "",
       currentMood: "",
       isGuest: false,
@@ -28,6 +33,8 @@ describe("toView", () => {
         avatarUrl: "https://example.com/avatar.png",
         intimacy: 42,
         dolBalance: 12,
+        creditBalance: 120,
+        vipExpiresAt: "2026-07-26T00:00:00+00:00",
         relationshipStage: "close_friend",
         currentMood: "playful",
         isGuest: true,
@@ -41,6 +48,8 @@ describe("toView", () => {
       avatarUrl: "https://example.com/avatar.png",
       intimacy: 42,
       dolBalance: 12,
+      creditBalance: 120,
+      vipExpiresAt: "2026-07-26T00:00:00+00:00",
       relationshipStage: "close_friend",
       currentMood: "playful",
       isGuest: true,
@@ -48,4 +57,19 @@ describe("toView", () => {
       voiceMinutesRemaining: 30,
     });
   });
+
+  it("merges entitlement snapshot into user view fields", () => {
+    const user = toView({ id: "user-3", username: "Nora", isVip: false });
+
+    expect(
+      applyEntitlementSnapshotToView(user, {
+        isVip: true,
+        creditBalance: 120,
+      }),
+    ).toMatchObject({
+      isVip: true,
+      creditBalance: 120,
+      dolBalance: 120,
+    });
+  });
 });
diff --git a/src/stores/user/__tests__/user-machine.test.ts b/src/stores/user/__tests__/user-machine.test.ts
index f2f6ed65..79af0332 100644
--- a/src/stores/user/__tests__/user-machine.test.ts
+++ b/src/stores/user/__tests__/user-machine.test.ts
@@ -3,7 +3,10 @@ import { createActor, fromPromise, waitFor } from "xstate";
 
 import type { UserView } from "@/data/dto/user";
 import { userMachine } from "@/stores/user/user-machine";
-import type { InitData } from "@/stores/user/user-machine.helpers";
+import type {
+  InitData,
+  UserFetchData,
+} from "@/stores/user/user-machine.helpers";
 
 function makeUser(overrides: Partial<UserView> = {}): UserView {
   return {
@@ -13,6 +16,8 @@ function makeUser(overrides: Partial<UserView> = {}): UserView {
     avatarUrl: "https://example.com/avatar.png",
     intimacy: 42,
     dolBalance: 7,
+    creditBalance: 7,
+    vipExpiresAt: null,
     relationshipStage: "close_friend",
     currentMood: "happy",
     isGuest: false,
@@ -22,10 +27,21 @@ function makeUser(overrides: Partial<UserView> = {}): UserView {
   };
 }
 
+function makeEntitlementSnapshot(
+  overrides: Partial<InitData["snapshot"]> = {},
+): NonNullable<InitData["snapshot"]> {
+  return {
+    isVip: false,
+    creditBalance: 7,
+    ...overrides,
+  };
+}
+
 function createTestUserMachine(
   overrides: Partial<{
     initData: InitData;
     fetchedUser: UserView | null;
+    fetchedData: UserFetchData;
     logoutSpy: () => void;
   }> = {},
 ) {
@@ -34,16 +50,26 @@ function createTestUserMachine(
   return userMachine.provide({
     actors: {
       userInit: fromPromise<InitData>(async () => ({
-        user: makeUser(),
-        avatarUrl: "https://example.com/avatar.png",
-        ...overrides.initData,
+        user: overrides.initData?.user ?? makeUser(),
+        avatarUrl:
+          overrides.initData?.avatarUrl ?? "https://example.com/avatar.png",
+        snapshot: overrides.initData?.snapshot ?? null,
       })),
-      userFetch: fromPromise<UserView | null>(
-        async () =>
-          "fetchedUser" in overrides
-            ? overrides.fetchedUser ?? null
-            : makeUser({ username: "Fetched" }),
-      ),
+      userFetch: fromPromise<UserFetchData>(async () => {
+        if ("fetchedData" in overrides && overrides.fetchedData) {
+          return overrides.fetchedData;
+        }
+        if ("fetchedUser" in overrides) {
+          return {
+            user: overrides.fetchedUser ?? null,
+            snapshot: null,
+          };
+        }
+        return {
+          user: makeUser({ username: "Fetched" }),
+          snapshot: null,
+        };
+      }),
       userLogout: fromPromise<void>(async () => {
         logoutSpy();
       }),
@@ -58,7 +84,9 @@ describe("userMachine", () => {
         initData: {
           user: makeUser({ username: "Local User" }),
           avatarUrl: "https://example.com/local-avatar.png",
+          snapshot: null,
         },
+        fetchedUser: null,
       }),
     ).start();
 
@@ -78,10 +106,8 @@ describe("userMachine", () => {
 
     actor.send({ type: "UserUpdate", user: makeUser({ username: "Before" }) });
     actor.send({ type: "UserUpdateUsername", username: "After" });
-    actor.send({ type: "UserUpdatePronouns", pronouns: "They" });
 
     expect(actor.getSnapshot().context.currentUser?.username).toBe("After");
-    expect(actor.getSnapshot().context.pronouns).toBe("They");
 
     actor.stop();
   });
@@ -89,7 +115,13 @@ describe("userMachine", () => {
   it("fetches the latest user and clears loading state when done", async () => {
     const actor = createActor(
       createTestUserMachine({
-        fetchedUser: makeUser({ username: "Fresh User", isVip: true }),
+        fetchedData: {
+          user: makeUser({ username: "Fresh User" }),
+          snapshot: makeEntitlementSnapshot({
+            isVip: true,
+            creditBalance: 120,
+          }),
+        },
       }),
     ).start();
 
@@ -101,6 +133,9 @@ describe("userMachine", () => {
     const context = actor.getSnapshot().context;
     expect(context.currentUser?.username).toBe("Fresh User");
     expect(context.currentUser?.isVip).toBe(true);
+    expect(context.currentUser?.creditBalance).toBe(120);
+    expect(context.isVip).toBe(true);
+    expect(context.creditBalance).toBe(120);
     expect(context.isLoading).toBe(false);
 
     actor.stop();
diff --git a/src/stores/user/user-context.tsx b/src/stores/user/user-context.tsx
index 399b1d71..c0aaf565 100644
--- a/src/stores/user/user-context.tsx
+++ b/src/stores/user/user-context.tsx
@@ -25,10 +25,10 @@ import type { UserState as MachineContext, UserEvent } from "./user-machine";
  */
 interface UserState {
   currentUser: MachineContext["currentUser"];
-  pronouns: string;
-  coinBalance: number;
   isLoading: boolean;
   avatarUrl: string | null;
+  isVip: boolean;
+  creditBalance: number;
 }
 
 const UserStateCtx = createContext<UserState | null>(null);
@@ -45,14 +45,14 @@ export function UserProvider({ children }: UserProviderProps) {
   const userState = useMemo<UserState>(
     () => ({
       currentUser: state.context.currentUser,
-      pronouns: state.context.pronouns,
-      coinBalance: state.context.coinBalance,
       isLoading:
         state.matches("initializing") ||
         state.matches("fetching") ||
         state.matches("loggingOut") ||
         state.context.isLoading,
       avatarUrl: state.context.avatarUrl,
+      isVip: state.context.isVip,
+      creditBalance: state.context.creditBalance,
     }),
     [state],
   );
diff --git a/src/stores/user/user-events.ts b/src/stores/user/user-events.ts
index fd73086e..86f420eb 100644
--- a/src/stores/user/user-events.ts
+++ b/src/stores/user/user-events.ts
@@ -8,7 +8,6 @@ export type UserEvent =
   | { type: "UserFetch" }
   | { type: "UserUpdate"; user: UserView }
   | { type: "UserUpdateUsername"; username: string }
-  | { type: "UserUpdatePronouns"; pronouns: string }
   | { type: "UserClearLocal" }
   | { type: "UserLogout" }
   | { type: "UserDeleteChatHistory" }
diff --git a/src/stores/user/user-machine.actors.ts b/src/stores/user/user-machine.actors.ts
index 15c9d714..5da06677 100644
--- a/src/stores/user/user-machine.actors.ts
+++ b/src/stores/user/user-machine.actors.ts
@@ -14,7 +14,6 @@
 
 import { fromPromise } from "xstate";
 
-import type { UserView } from "@/data/dto/user";
 import { userRepository } from "@/data/repositories/user_repository";
 import { authRepository } from "@/data/repositories/auth_repository";
 import type {
@@ -23,7 +22,15 @@ import type {
 } from "@/data/repositories/interfaces";
 import { Result } from "@/utils";
 
-import { type InitData, readInitData, toView, userStorage } from "./user-machine.helpers";
+import {
+  applyEntitlementSnapshotToView,
+  type InitData,
+  readInitData,
+  toEntitlementSnapshot,
+  toView,
+  type UserFetchData,
+  userStorage,
+} from "./user-machine.helpers";
 
 // ============================================================
 // 仓库注入
@@ -46,17 +53,38 @@ export const userInitActor = fromPromise<InitData>(async () => readInitData());
 // Fetch actor：调 API 拉当前用户 + 持久化
 // ============================================================
 /**
- * 调 `userRepo.getCurrentUser` 拉当前 user：
- * - 成功 → 转 UserView + 写本地（userStorage.setUser）→ 返回 View
- * - 失败 → 返回 null（machine 走 onDone，context 保持不变；onError 兜底）
+ * 调 `userRepo.getCurrentUser + getEntitlements` 拉当前 user 与权益：
+ * - user 成功 → 转 UserView + 写本地（userStorage.setUser）
+ * - entitlements 成功 → 提取 isVip/creditBalance 写本地轻量快照
+ * - 任一失败都不阻断另一方，machine 层负责保留已有 context
  */
-export const userFetchActor = fromPromise<UserView | null>(async () => {
-  const result = await userRepo.getCurrentUser();
-  if (Result.isErr(result)) return null;
-  const view = toView(result.data.toJson());
+export const userFetchActor = fromPromise<UserFetchData>(async () => {
+  const [userResult, entitlementsResult] = await Promise.all([
+    userRepo.getCurrentUser(),
+    userRepo.getEntitlements(),
+  ]);
+
+  const snapshot = Result.isOk(entitlementsResult)
+    ? toEntitlementSnapshot({
+        isVip: entitlementsResult.data.isVip,
+        creditBalance: entitlementsResult.data.creditBalance,
+      })
+    : null;
+  if (snapshot) {
+    await userStorage.setEntitlementSnapshot(snapshot);
+  }
+
+  if (Result.isErr(userResult)) {
+    return { user: null, snapshot };
+  }
+
+  const view = applyEntitlementSnapshotToView(
+    toView(userResult.data.toJson()),
+    snapshot,
+  );
   // 持久化到本地
-  await userStorage.setUser(result.data.toJson());
-  return view;
+  await userStorage.setUser(userResult.data.toJson());
+  return { user: view, snapshot };
 });
 
 // ============================================================
diff --git a/src/stores/user/user-machine.helpers.ts b/src/stores/user/user-machine.helpers.ts
index aaeed581..7e9b7fb6 100644
--- a/src/stores/user/user-machine.helpers.ts
+++ b/src/stores/user/user-machine.helpers.ts
@@ -14,6 +14,7 @@
  */
 
 import type { UserView } from "@/data/dto/user";
+import type { UserEntitlementSnapshotData } from "@/data/schemas/user";
 import { UserStorage } from "@/data/storage/user/user_storage";
 import { Result } from "@/utils";
 
@@ -36,6 +37,12 @@ export const userStorage = UserStorage.getInstance();
 export interface InitData {
   user: UserView | null;
   avatarUrl: string | null;
+  snapshot: UserEntitlementSnapshotData | null;
+}
+
+export interface UserFetchData {
+  user: UserView | null;
+  snapshot: UserEntitlementSnapshotData | null;
 }
 
 // ============================================================
@@ -53,19 +60,25 @@ export function toView(u: {
   avatarUrl?: string;
   intimacy?: number;
   dolBalance?: number;
+  creditBalance?: number;
+  vipExpiresAt?: string | null;
   relationshipStage?: string;
   currentMood?: string;
   isGuest?: boolean;
   isVip?: boolean;
   voiceMinutesRemaining?: number;
 }): UserView {
+  const creditBalance = u.creditBalance ?? u.dolBalance ?? 0;
+
   return {
     id: u.id,
     username: u.username,
     email: u.email ?? "",
     avatarUrl: u.avatarUrl ?? "",
     intimacy: u.intimacy ?? 0,
-    dolBalance: u.dolBalance ?? 0,
+    dolBalance: u.dolBalance ?? creditBalance,
+    creditBalance,
+    vipExpiresAt: u.vipExpiresAt ?? null,
     relationshipStage: u.relationshipStage ?? "",
     currentMood: u.currentMood ?? "",
     isGuest: u.isGuest ?? false,
@@ -74,6 +87,29 @@ export function toView(u: {
   };
 }
 
+export function applyEntitlementSnapshotToView(
+  user: UserView | null,
+  snapshot: UserEntitlementSnapshotData | null,
+): UserView | null {
+  if (!user || !snapshot) return user;
+  return {
+    ...user,
+    isVip: snapshot.isVip,
+    dolBalance: snapshot.creditBalance,
+    creditBalance: snapshot.creditBalance,
+  };
+}
+
+export function toEntitlementSnapshot(input: {
+  isVip: boolean;
+  creditBalance: number;
+}): UserEntitlementSnapshotData {
+  return {
+    isVip: input.isVip,
+    creditBalance: input.creditBalance,
+  };
+}
+
 // ============================================================
 // Init 数据加载（userInitActor 用）
 // ============================================================
@@ -84,14 +120,20 @@ export function toView(u: {
  * - Result.isOk(_) && data 双重判空：Result 包装层 + 业务 null
  */
 export async function readInitData(): Promise<InitData> {
-  const [userResult, avatarResult] = await Promise.all([
+  const [userResult, avatarResult, snapshotResult] = await Promise.all([
     userStorage.getUser(),
     userStorage.getAvatarUrl(),
+    userStorage.getEntitlementSnapshot(),
   ]);
 
+  let snapshot: UserEntitlementSnapshotData | null = null;
+  if (Result.isOk(snapshotResult) && snapshotResult.data) {
+    snapshot = snapshotResult.data;
+  }
+
   let user: UserView | null = null;
   if (Result.isOk(userResult) && userResult.data) {
-    user = toView(userResult.data);
+    user = applyEntitlementSnapshotToView(toView(userResult.data), snapshot);
   }
 
   let avatarUrl: string | null = null;
@@ -99,5 +141,5 @@ export async function readInitData(): Promise<InitData> {
     avatarUrl = avatarResult.data;
   }
 
-  return { user, avatarUrl };
+  return { user, avatarUrl, snapshot };
 }
diff --git a/src/stores/user/user-machine.ts b/src/stores/user/user-machine.ts
index 1c0d47ff..588f096c 100644
--- a/src/stores/user/user-machine.ts
+++ b/src/stores/user/user-machine.ts
@@ -10,6 +10,7 @@ import {
   userFetchActor,
   userLogoutActor,
 } from "./user-machine.actors";
+import { applyEntitlementSnapshotToView } from "./user-machine.helpers";
 
 // 重新导出 State / Event 类型，保持 machine 文件的公共 API 不变
 export type { UserState } from "./user-state";
@@ -32,7 +33,11 @@ export const userMachine = setup({
   actions: {
     updateUser: assign(({ event }) => {
       if (event.type !== "UserUpdate") return {};
-      return { currentUser: event.user };
+      return {
+        currentUser: event.user,
+        isVip: event.user.isVip,
+        creditBalance: event.user.creditBalance,
+      };
     }),
 
     updateUsername: assign(({ context, event }) => {
@@ -42,14 +47,11 @@ export const userMachine = setup({
       };
     }),
 
-    updatePronouns: assign(({ event }) => {
-      if (event.type !== "UserUpdatePronouns") return {};
-      return { pronouns: event.pronouns };
-    }),
-
     clearUser: assign(() => ({
       currentUser: null,
       avatarUrl: null,
+      isVip: false,
+      creditBalance: 0,
     })),
   },
 }).createMachine({
@@ -67,9 +69,6 @@ export const userMachine = setup({
         UserUpdateUsername: {
           actions: "updateUsername",
         },
-        UserUpdatePronouns: {
-          actions: "updatePronouns",
-        },
         UserClearLocal: {
           actions: "clearUser",
         },
@@ -83,14 +82,18 @@ export const userMachine = setup({
       invoke: {
         src: "userInit",
         onDone: {
-          target: "idle",
+          target: "fetching",
           actions: assign(({ event }) => ({
             currentUser: event.output.user,
             avatarUrl: event.output.avatarUrl,
+            isVip: event.output.snapshot?.isVip ?? initialState.isVip,
+            creditBalance:
+              event.output.snapshot?.creditBalance ??
+              initialState.creditBalance,
           })),
         },
         onError: {
-          target: "idle",
+          target: "fetching",
         },
       },
     },
@@ -100,10 +103,25 @@ export const userMachine = setup({
         src: "userFetch",
         onDone: {
           target: "idle",
-          actions: assign(({ context, event }) => ({
-            currentUser: event.output ?? context.currentUser,
-            isLoading: false,
-          })),
+          actions: assign(({ context, event }) => {
+            const snapshot =
+              event.output.snapshot ??
+              (context.currentUser
+                ? {
+                    isVip: context.isVip,
+                    creditBalance: context.creditBalance,
+                  }
+                : null);
+            const baseUser = event.output.user ?? context.currentUser;
+            return {
+              currentUser:
+                applyEntitlementSnapshotToView(baseUser, snapshot) ??
+                context.currentUser,
+              isVip: snapshot?.isVip ?? context.isVip,
+              creditBalance: snapshot?.creditBalance ?? context.creditBalance,
+              isLoading: false,
+            };
+          }),
         },
         onError: {
           target: "idle",
diff --git a/src/stores/user/user-state.ts b/src/stores/user/user-state.ts
index 5f192938..f43cbca5 100644
--- a/src/stores/user/user-state.ts
+++ b/src/stores/user/user-state.ts
@@ -5,16 +5,16 @@ import type { UserView } from "@/data/dto/user";
 
 export interface UserState {
   currentUser: UserView | null;
-  pronouns: string;
-  coinBalance: number;
   isLoading: boolean;
   avatarUrl: string | null;
+  isVip: boolean;
+  creditBalance: number;
 }
 
 export const initialState: UserState = {
   currentUser: null,
-  pronouns: "He",
-  coinBalance: 45,
   isLoading: false,
   avatarUrl: null,
+  isVip: false,
+  creditBalance: 0,
 };