feat(chat): render role-bound payment guidance

src/app/chat/chat-screen.tsx

@@ -128,6 +128,7 @@ export function ChatScreen() {
   const messageLimitBanner = useChatMessageLimitBanner({
     upgradePromptVisible: state.upgradePromptVisible,
     upgradeReason: state.upgradeReason,
+    paymentGuidance: state.paymentGuidance,
   });
   const firstRechargeOfferBanner = useFirstRechargeOfferBanner({
     historyLoaded: state.historyLoaded,
@@ -464,6 +465,7 @@ export function ChatScreen() {
               title={messageLimitBanner.title}
               description={messageLimitBanner.description}
               ctaLabel={messageLimitBanner.ctaLabel}
+              guidance={messageLimitBanner.guidance}
               onUnlock={messageLimitBanner.unlock}
             />
           ) : (

src/app/chat/components/__tests__/tailwind-components.test.tsx

@@ -15,6 +15,7 @@ import { ImageBubble } from "../image-bubble";
 import { InsufficientCreditsDialog } from "../insufficient-credits-dialog";
 import { MessageAvatar } from "../message-avatar";
 import { PrivateMessageCard } from "../private-message-card";
+import { PaymentGuidanceCard } from "../payment-guidance-card";
 import { PwaInstallDialog } from "../pwa-install-dialog";
 import { TextBubble } from "../text-bubble";
 
@@ -223,6 +224,19 @@ describe("chat Tailwind components", () => {
         description="Credits keep the conversation going."
         ctaLabel="Top up"
         onUnlock={() => undefined}
+        guidance={{
+          guidanceId: "guidance-elio",
+          characterId: "elio",
+          characterName: "Elio Silvestri",
+          scene: "insufficientCredits",
+          mode: "guide",
+          title: "Keep talking with Elio",
+          copy: "Baby, I want to keep talking with you. Adding credits supports Elio.",
+          ctaLabel: "View VIP & credit options",
+          purchaseOptions: ["vip", "topup"],
+          target: "subscription",
+          ruleId: "payment_guidance_insufficientCredits",
+        }}
       />,
     );
 
@@ -232,11 +246,56 @@ describe("chat Tailwind components", () => {
     expect(html).toContain("<br/>");
     expect(html).toContain("Top up now");
     expect(html).toContain("Credits keep the conversation going.");
+    expect(html).toContain("supports Elio");
+    expect(html).toContain('data-payment-guidance-id="guidance-elio"');
     expect(html).toContain('aria-label="Top up"');
     expect(html).toContain("bg-[linear-gradient(135deg,#f96ade_0%,#f657a0_100%)]");
     expect(html).toContain("active:scale-98");
   });
 
+  it("renders guidance only for the active character and hides care-only CTA", () => {
+    const guide = {
+      guidanceId: "019c8f8d-17d3-7a42-b1cc-b6927b1927d5",
+      characterId: "elio",
+      characterName: "Elio Silvestri",
+      scene: "insufficientCredits" as const,
+      mode: "guide" as const,
+      title: "Keep talking with Elio",
+      copy: "Baby, I want to keep talking with you.",
+      ctaLabel: "View VIP & credit options",
+      purchaseOptions: ["vip", "topup"] as const,
+      target: "subscription" as const,
+      ruleId: "payment_guidance_insufficientCredits",
+    };
+    const guideHtml = renderWithCharacter(
+      <PaymentGuidanceCard guidance={guide} />,
+    );
+    const mismatchHtml = renderWithCharacter(
+      <PaymentGuidanceCard
+        guidance={{ ...guide, characterId: "maya-tan", characterName: "Maya Tan" }}
+      />,
+    );
+    const careHtml = renderWithCharacter(
+      <PaymentGuidanceCard
+        guidance={{
+          ...guide,
+          mode: "careOnly",
+          title: null,
+          ctaLabel: null,
+          purchaseOptions: [],
+          target: null,
+          copy: "Please keep money you need for food or medicine.",
+        }}
+      />,
+    );
+
+    expect(guideHtml).toContain('data-payment-guidance-mode="guide"');
+    expect(guideHtml).toContain("View VIP &amp; credit options");
+    expect(mismatchHtml).toBe("");
+    expect(careHtml).toContain("food or medicine");
+    expect(careHtml).not.toContain("View VIP");
+  });
+
   it("renders ChatHeader guest and member branches", () => {
     const guestHtml = renderWithCharacter(<ChatHeader isGuest={true} />);
     const memberHtml = renderWithCharacter(

src/app/chat/components/chat-area.tsx

@@ -337,6 +337,7 @@ function renderMessagesWithDateHeaders(
         privateMessageHint={item.message.privateMessageHint}
         commercialAction={item.message.commercialAction}
         chatAction={item.message.chatAction}
+        paymentGuidance={item.message.paymentGuidance}
         isUnlockingMessage={
           isUnlockingMessage === true &&
           item.message.displayId === unlockingMessageId

src/app/chat/components/chat-insufficient-credits-banner.tsx

@@ -17,11 +17,13 @@
  *   - 不直接管理 state machine（chat 机器不感知 UI 层）
  */
 import { useAppNavigator } from "@/router/use-app-navigator";
+import type { PaymentGuidance } from "@/data/schemas/chat";
 
 export interface ChatInsufficientCreditsBannerProps {
   title?: string;
   description?: string;
-  ctaLabel?: string;
+  ctaLabel?: string | null;
+  guidance?: PaymentGuidance | null;
   /**
    * 自定义点击回调（不传则默认走统一订阅导航）
    * - 测试时可传 mock
@@ -34,9 +36,11 @@ export function ChatInsufficientCreditsBanner({
   title = "Insufficient credits\nTop up to continue chatting",
   description,
   ctaLabel = "Top up credits to continue",
+  guidance = null,
   onUnlock,
 }: ChatInsufficientCreditsBannerProps) {
   const navigator = useAppNavigator();
+  const activeGuidance = guidance;
   const titleLines = title.split("\n");
 
   const handleClick = () => {
@@ -53,6 +57,7 @@ export function ChatInsufficientCreditsBanner({
       role="status"
       aria-live="polite"
       data-testid="chat-insufficient-credits-banner"
+      data-payment-guidance-id={activeGuidance?.guidanceId}
     >
       <p className="m-0 mb-(--spacing-sm,8px) text-(length:--responsive-card-title,18px) font-semibold leading-[1.4] text-white opacity-95">
         {titleLines.map((line, index) => (
@@ -67,7 +72,12 @@ export function ChatInsufficientCreditsBanner({
           {description}
         </p>
       ) : null}
-      <button
+      {activeGuidance?.copy ? (
+        <p className="mx-auto mb-(--spacing-lg,16px) mt-0 max-w-[min(100%,360px)] text-(length:--responsive-caption,14px) font-semibold leading-[1.4] text-white">
+          {activeGuidance.copy}
+        </p>
+      ) : null}
+      {ctaLabel ? <button
         type="button"
         data-analytics-key="chat.topup"
         data-analytics-label="Top up chat credits"
@@ -76,7 +86,7 @@ export function ChatInsufficientCreditsBanner({
         aria-label={ctaLabel}
       >
         {ctaLabel}
-      </button>
+      </button> : null}
     </div>
   );
 }

src/app/chat/components/chat-unlock-dialogs.tsx

@@ -19,6 +19,7 @@ export function ChatUnlockDialogs({
         lockedCount={model.historyUnlock.lockedCount}
         isLoading={model.historyUnlock.isLoading}
         errorMessage={model.historyUnlock.errorMessage}
+        guidance={model.historyUnlock.guidance}
         onClose={model.closeHistoryUnlock}
         onConfirm={model.confirmHistoryUnlock}
       />
@@ -27,6 +28,7 @@ export function ChatUnlockDialogs({
         creditBalance={model.unlockPaywallRequest?.creditBalance ?? 0}
         requiredCredits={model.unlockPaywallRequest?.requiredCredits ?? 0}
         shortfallCredits={model.unlockPaywallRequest?.shortfallCredits ?? 0}
+        guidance={model.unlockPaywallRequest?.paymentGuidance ?? null}
         onClose={model.closePaywall}
         onConfirm={model.confirmPaywall}
       />

src/app/chat/components/history-unlock-dialog.tsx

@@ -1,10 +1,13 @@
 "use client";
 
+import type { PaymentGuidance } from "@/data/schemas/chat";
+
 export interface HistoryUnlockDialogProps {
   open: boolean;
   lockedCount: number;
   isLoading?: boolean;
   errorMessage?: string | null;
+  guidance?: PaymentGuidance | null;
   onClose: () => void;
   onConfirm: () => void;
 }
@@ -14,10 +17,15 @@ export function HistoryUnlockDialog({
   lockedCount,
   isLoading = false,
   errorMessage,
+  guidance = null,
   onClose,
   onConfirm,
 }: HistoryUnlockDialogProps) {
   if (!open) return null;
+  const activeGuidance = guidance;
+  const showAction =
+    !activeGuidance ||
+    (activeGuidance.mode === "guide" && activeGuidance.ctaLabel !== null);
 
   return (
     <div
@@ -31,11 +39,16 @@ export function HistoryUnlockDialog({
           id="history-unlock-title"
           className="m-0 mb-2.5 text-(length:--responsive-page-title,var(--font-size-22,22px)) font-bold leading-[1.2] text-text-foreground"
         >
-          Unlock previous messages?
+          {activeGuidance?.title ?? "Unlock previous messages?"}
         </h2>
         <p className="mx-(--responsive-card-padding-lg,24px) mb-(--spacing-lg,16px) mt-0 text-left text-(length:--responsive-body,var(--font-size-lg,16px)) leading-normal text-[#393939]">
-          We found {lockedCount} locked messages in your chat history. You can
+          {activeGuidance?.copy ?? (
-          unlock them now to continue the conversation with full context.
+            <>
+              We found {lockedCount} locked messages in your chat history. You
+              can unlock them now to continue the conversation with full
+              context.
+            </>
+          )}
         </p>
         {errorMessage ? (
           <p className="mx-(--responsive-card-padding-lg,24px) mb-(--spacing-lg,16px) mt-0 text-left text-(length:--responsive-caption,var(--font-size-md,14px)) leading-[1.4] text-[#c0364c]">
@@ -51,7 +64,7 @@ export function HistoryUnlockDialog({
           >
             Later
           </button>
-          <button
+          {showAction ? <button
             type="button"
             data-analytics-key="chat.unlock_history"
             data-analytics-label="Unlock chat history"
@@ -59,8 +72,10 @@ export function HistoryUnlockDialog({
             onClick={onConfirm}
             disabled={isLoading}
           >
-            {isLoading ? "Unlocking..." : "Unlock now"}
+            {isLoading
-          </button>
+              ? "Unlocking..."
+              : activeGuidance?.ctaLabel ?? "Unlock now"}
+          </button> : null}
         </div>
       </div>
     </div>

src/app/chat/components/index.ts

@@ -22,6 +22,7 @@ export * from "./insufficient-credits-dialog";
 export * from "./message-avatar";
 export * from "./message-bubble";
 export * from "./message-content";
+export * from "./payment-guidance-card";
 export * from "./private-message-card";
 export * from "./pwa-install-dialog";
 export * from "./pwa-install-overlay";

src/app/chat/components/insufficient-credits-dialog.tsx

@@ -1,10 +1,13 @@
 "use client";
 
+import type { PaymentGuidance } from "@/data/schemas/chat";
+
 export interface InsufficientCreditsDialogProps {
   open: boolean;
   creditBalance: number;
   requiredCredits: number;
   shortfallCredits: number;
+  guidance?: PaymentGuidance | null;
   onClose: () => void;
   onConfirm: () => void;
 }
@@ -14,12 +17,17 @@ export function InsufficientCreditsDialog({
   creditBalance,
   requiredCredits,
   shortfallCredits,
+  guidance = null,
   onClose,
   onConfirm,
 }: InsufficientCreditsDialogProps) {
   if (!open) return null;
 
   const showCreditDetail = requiredCredits > 0 || shortfallCredits > 0;
+  const activeGuidance = guidance;
+  const showPurchaseAction =
+    !activeGuidance ||
+    (activeGuidance.mode === "guide" && activeGuidance.ctaLabel !== null);
 
   return (
     <div
@@ -33,10 +41,11 @@ export function InsufficientCreditsDialog({
           id="insufficient-credits-title"
           className="m-0 mb-2.5 text-(length:--responsive-page-title,var(--font-size-22,22px)) font-bold leading-[1.2] text-text-foreground"
         >
-          Not enough credits
+          {activeGuidance?.title ?? "Not enough credits"}
         </h2>
         <p className="mx-(--spacing-md,12px) mb-(--page-section-gap,18px) mt-0 text-(length:--responsive-body,var(--font-size-lg,16px)) leading-normal text-[#393939]">
-          Top up your credits to unlock this message and keep the moment going.
+          {activeGuidance?.copy ??
+            "Top up your credits to unlock this message and keep the moment going."}
         </p>
 
         {showCreditDetail ? (
@@ -70,15 +79,15 @@ export function InsufficientCreditsDialog({
           >
             Later
           </button>
-          <button
+          {showPurchaseAction ? <button
             type="button"
             data-analytics-key="chat.topup"
             data-analytics-label="Top up chat credits"
             className="flex min-h-(--pwa-button-height,44px) flex-auto cursor-pointer items-center justify-center rounded-bottom-sheet border-0 bg-[linear-gradient(90deg,#ff67e0_0%,#ff52a2_100%)] text-(length:--responsive-body,var(--font-size-lg,16px)) font-bold text-(--color-pwa-button-text,#ffffff) shadow-[0_6px_14px_rgba(246,87,160,0.28)] focus-visible:outline-2 focus-visible:outline-offset-3 focus-visible:outline-[#f657a0]"
             onClick={onConfirm}
           >
-            Top up now
+            {activeGuidance?.ctaLabel ?? "Top up now"}
-          </button>
+          </button> : null}
         </div>
       </div>
     </div>

src/app/chat/components/message-bubble.tsx

@@ -9,7 +9,7 @@
  *   - 用户：[占位 spacer] [Content] [Avatar]
  */
 import { useUserSelector } from "@/stores/user/user-context";
-import type { ChatAction, CommercialAction } from "@/data/schemas/chat";
+import type { ChatAction, CommercialAction, PaymentGuidance } from "@/data/schemas/chat";
 
 import { MessageAvatar } from "./message-avatar";
 import { MessageContent } from "./message-content";
@@ -30,6 +30,7 @@ export interface MessageBubbleProps {
   privateMessageHint?: string | null;
   commercialAction?: CommercialAction | null;
   chatAction?: ChatAction | null;
+  paymentGuidance?: PaymentGuidance | null;
   isUnlockingMessage?: boolean;
   onUnlockPrivateMessage?: ChatMessageAction;
   onUnlockVoiceMessage?: ChatMessageAction;
@@ -64,6 +65,7 @@ export function MessageBubble({
   privateMessageHint,
   commercialAction,
   chatAction,
+  paymentGuidance,
   isUnlockingMessage,
   onUnlockPrivateMessage,
   onUnlockVoiceMessage,
@@ -106,6 +108,7 @@ export function MessageBubble({
           privateMessageHint={privateMessageHint}
           commercialAction={commercialAction}
           chatAction={chatAction}
+          paymentGuidance={paymentGuidance}
           isUnlockingMessage={isUnlockingMessage}
           onUnlockPrivateMessage={onUnlockPrivateMessage}
           onUnlockVoiceMessage={onUnlockVoiceMessage}

src/app/chat/components/message-content.tsx

@@ -1,11 +1,16 @@
 "use client";
-import type { ChatAction, CommercialAction } from "@/data/schemas/chat";
+import type {
+  ChatAction,
+  CommercialAction,
+  PaymentGuidance,
+} from "@/data/schemas/chat";
 
 import { ChatActionCard } from "./chat-action-card";
 import { CommercialActionCard } from "./commercial-action-card";
 import { ImageBubble } from "./image-bubble";
 import { LockedImageMessageCard } from "./locked-image-message-card";
 import { PrivateMessageCard } from "./private-message-card";
+import { PaymentGuidanceCard } from "./payment-guidance-card";
 import { TextBubble } from "./text-bubble";
 import { VoiceBubble } from "./voice-bubble";
 import styles from "./chat-area.module.css";
@@ -25,6 +30,7 @@ export interface MessageContentProps {
   privateMessageHint?: string | null;
   commercialAction?: CommercialAction | null;
   chatAction?: ChatAction | null;
+  paymentGuidance?: PaymentGuidance | null;
   isUnlockingMessage?: boolean;
   onUnlockPrivateMessage?: ChatMessageAction;
   onUnlockVoiceMessage?: ChatMessageAction;
@@ -59,6 +65,7 @@ export function MessageContent({
   privateMessageHint,
   commercialAction,
   chatAction,
+  paymentGuidance,
   isUnlockingMessage,
   onUnlockPrivateMessage,
   onUnlockVoiceMessage,
@@ -143,7 +150,9 @@ export function MessageContent({
           ) : null}
         </>
       )}
-      {isFromAI && chatAction ? (
+      {isFromAI && paymentGuidance ? (
+        <PaymentGuidanceCard guidance={paymentGuidance} />
+      ) : isFromAI && chatAction ? (
         <ChatActionCard
           action={chatAction}
           onViewed={onChatActionViewed}

src/app/chat/components/payment-guidance-card.tsx

@@ -0,0 +1,105 @@
+"use client";
+
+import { useEffect, useRef, useState } from "react";
+import { ArrowRight, CircleDollarSign, X } from "lucide-react";
+
+import type { PaymentGuidance } from "@/data/schemas/chat";
+import { recordChatActionEventById } from "@/lib/chat/chat_action_events";
+import { useActiveCharacter } from "@/providers/character-provider";
+import { useAppNavigator } from "@/router/use-app-navigator";
+import { useUserSelector } from "@/stores/user/user-context";
+
+import styles from "./chat-area.module.css";
+
+export interface PaymentGuidanceCardProps {
+  guidance: PaymentGuidance;
+}
+
+export function PaymentGuidanceCard({ guidance }: PaymentGuidanceCardProps) {
+  const character = useActiveCharacter();
+  const navigator = useAppNavigator();
+  const isVip = useUserSelector((state) => state.context.isVip);
+  const [dismissed, setDismissed] = useState(false);
+  const viewedIdRef = useRef<string | null>(null);
+  const belongsToCurrentCharacter = guidance.characterId === character.id;
+  const hasPurchaseAction =
+    guidance.mode === "guide" &&
+    guidance.target === "subscription" &&
+    guidance.ctaLabel !== null &&
+    guidance.purchaseOptions.length > 0;
+
+  useEffect(() => {
+    if (!belongsToCurrentCharacter) return;
+    if (viewedIdRef.current === guidance.guidanceId) return;
+    viewedIdRef.current = guidance.guidanceId;
+    void recordChatActionEventById(
+      guidance.guidanceId,
+      character.id,
+      "viewed",
+    ).catch(() => undefined);
+  }, [belongsToCurrentCharacter, character.id, guidance.guidanceId]);
+
+  if (!belongsToCurrentCharacter || dismissed) return null;
+
+  const subscriptionType =
+    isVip || !guidance.purchaseOptions.includes("vip") ? "topup" : "vip";
+
+  return (
+    <aside
+      className={styles.commercialAction}
+      aria-label={guidance.title ?? guidance.characterName}
+      data-payment-guidance-id={guidance.guidanceId}
+      data-payment-guidance-mode={guidance.mode}
+      data-payment-guidance-scene={guidance.scene}
+    >
+      <div className={styles.commercialActionHeader}>
+        <CircleDollarSign size={18} aria-hidden="true" />
+        <button
+          type="button"
+          className={styles.commercialActionDismiss}
+          title="Dismiss"
+          aria-label="Dismiss"
+          onClick={() => {
+            setDismissed(true);
+            void recordChatActionEventById(
+              guidance.guidanceId,
+              character.id,
+              "dismissed",
+            ).catch(() => undefined);
+          }}
+        >
+          <X size={16} aria-hidden="true" />
+        </button>
+      </div>
+      {guidance.title ? (
+        <strong>{guidance.title}</strong>
+      ) : null}
+      <p className={styles.commercialActionCopy}>{guidance.copy}</p>
+      {hasPurchaseAction ? (
+        <button
+          type="button"
+          className={styles.commercialActionButton}
+          onClick={() => {
+            void recordChatActionEventById(
+              guidance.guidanceId,
+              character.id,
+              "opened",
+            ).catch(() => undefined);
+            navigator.openSubscription({
+              type: subscriptionType,
+              returnTo: "chat",
+              chatActionId: guidance.guidanceId,
+              analytics: {
+                entryPoint: "chat_input",
+                triggerReason: "insufficient_credits",
+              },
+            });
+          }}
+        >
+          <span>{guidance.ctaLabel}</span>
+          <ArrowRight size={17} aria-hidden="true" />
+        </button>
+      ) : null}
+    </aside>
+  );
+}

src/app/chat/hooks/use-chat-message-limit-banner.ts

@@ -5,6 +5,9 @@ import { useEffect, useRef } from "react";
 import { behaviorAnalytics } from "@/lib/analytics";
 import { useAppNavigator } from "@/router/use-app-navigator";
 import type { ChatUpgradeReason } from "@/stores/chat/chat-state";
+import type { PaymentGuidance } from "@/data/schemas/chat";
+import { recordChatActionEventById } from "@/lib/chat/chat_action_events";
+import { useActiveCharacter } from "@/providers/character-provider";
 import { useUserSelector } from "@/stores/user/user-context";
 
 import {
@@ -17,10 +20,14 @@ import {
 export interface UseChatMessageLimitBannerInput {
   upgradePromptVisible: boolean;
   upgradeReason: ChatUpgradeReason | null;
+  paymentGuidance: PaymentGuidance | null;
 }
 
-export interface ChatMessageLimitBannerView
+export interface ChatMessageLimitBannerView {
-  extends InsufficientCreditsMessageLimitView {
+  title: string;
+  description: string;
+  ctaLabel: string | null;
+  guidance: PaymentGuidance | null;
   visible: boolean;
   unlock: () => void;
 }
@@ -28,10 +35,19 @@ export interface ChatMessageLimitBannerView
 export function useChatMessageLimitBanner({
   upgradePromptVisible,
   upgradeReason,
+  paymentGuidance,
 }: UseChatMessageLimitBannerInput): ChatMessageLimitBannerView {
   const navigator = useAppNavigator();
+  const character = useActiveCharacter();
   const isVip = useUserSelector((state) => state.context.isVip);
-  const view = getInsufficientCreditsMessageLimitView();
+  const fallbackView = getInsufficientCreditsMessageLimitView();
+  const guidance =
+    paymentGuidance?.characterId === character.id ? paymentGuidance : null;
+  const view: InsufficientCreditsMessageLimitView = {
+    title: guidance?.title ?? fallbackView.title,
+    description: guidance?.copy ?? fallbackView.description,
+    ctaLabel: guidance?.ctaLabel ?? fallbackView.ctaLabel,
+  };
   const visible = shouldShowMessageLimitBanner({
     upgradePromptVisible,
     upgradeReason,
@@ -52,12 +68,31 @@ export function useChatMessageLimitBanner({
       },
       { isVip },
     );
-  }, [isVip, visible]);
+    if (guidance) {
+      void recordChatActionEventById(
+        guidance.guidanceId,
+        character.id,
+        "viewed",
+      ).catch(() => undefined);
+    }
+  }, [character.id, guidance, isVip, visible]);
 
   function unlock(): void {
+    if (guidance?.mode !== "guide" && guidance !== null) return;
+    if (guidance) {
+      void recordChatActionEventById(
+        guidance.guidanceId,
+        character.id,
+        "opened",
+      ).catch(() => undefined);
+    }
     navigator.openSubscription({
-      type: getInsufficientCreditsSubscriptionType(isVip),
+      type:
+        isVip || (guidance && !guidance.purchaseOptions.includes("vip"))
+          ? "topup"
+          : getInsufficientCreditsSubscriptionType(isVip),
       returnTo: "chat",
+      ...(guidance ? { chatActionId: guidance.guidanceId } : {}),
       analytics: {
         entryPoint: "chat_input",
         triggerReason: "insufficient_credits",
@@ -67,6 +102,9 @@ export function useChatMessageLimitBanner({
 
   return {
     ...view,
+    ctaLabel:
+      guidance && guidance.mode !== "guide" ? null : view.ctaLabel,
+    guidance,
     visible,
     unlock,
   };

src/app/chat/hooks/use-chat-unlock-coordinator.ts

@@ -20,6 +20,7 @@ import {
 import type { ChatPromotionState } from "@/stores/chat/helper/promotion";
 import type { ChatUnlockPaywallRequest } from "@/stores/chat/chat-state";
 import type { UiMessage } from "@/stores/chat/ui-message";
+import { recordChatActionEventById } from "@/lib/chat/chat_action_events";
 import { useUserSelector } from "@/stores/user/user-context";
 
 import { getInsufficientCreditsSubscriptionType } from "../chat-screen.helpers";
@@ -48,6 +49,7 @@ export interface ChatUnlockDialogModel {
     lockedCount: number;
     isLoading: boolean;
     errorMessage: string | null;
+    guidance: import("@/data/schemas/chat").PaymentGuidance | null;
   };
   closeHistoryUnlock: () => void;
   confirmHistoryUnlock: () => void;
@@ -87,6 +89,8 @@ export function useChatUnlockCoordinator({
       isUnlockingHistory: state.matches({ userSession: "unlockingHistory" }),
       lockedHistoryCount: state.context.lockedHistoryCount,
       unlockHistoryError: state.context.unlockHistoryError,
+      unlockHistoryPaymentGuidance:
+        state.context.unlockHistoryPaymentGuidance,
       unlockHistoryPromptVisible: state.context.unlockHistoryPromptVisible,
       unlockPaywallRequest: state.context.unlockPaywallRequest,
     }),
@@ -97,6 +101,20 @@ export function useChatUnlockCoordinator({
     ? chatState.unlockPaywallRequest
     : null;
 
+  useEffect(() => {
+    const guidance = chatState.unlockHistoryPaymentGuidance;
+    if (!enabled || guidance?.characterId !== chatState.characterId) return;
+    void recordChatActionEventById(
+      guidance.guidanceId,
+      chatState.characterId,
+      "viewed",
+    ).catch(() => undefined);
+  }, [
+    chatState.characterId,
+    chatState.unlockHistoryPaymentGuidance,
+    enabled,
+  ]);
+
   useEffect(() => {
     if (!unlockPaywallRequest) {
       trackedPaywallRef.current = null;
@@ -120,7 +138,15 @@ export function useChatUnlockCoordinator({
       },
       { isVip },
     );
-  }, [isVip, unlockPaywallRequest]);
+    const guidance = unlockPaywallRequest.paymentGuidance;
+    if (guidance?.characterId === chatState.characterId) {
+      void recordChatActionEventById(
+        guidance.guidanceId,
+        chatState.characterId,
+        "viewed",
+      ).catch(() => undefined);
+    }
+  }, [chatState.characterId, isVip, unlockPaywallRequest]);
 
   useEffect(() => {
     if (!enabled) return;
@@ -212,6 +238,32 @@ export function useChatUnlockCoordinator({
   }
 
   function confirmHistoryUnlock(): void {
+    const guidance =
+      chatState.unlockHistoryPaymentGuidance?.characterId ===
+      chatState.characterId
+        ? chatState.unlockHistoryPaymentGuidance
+        : null;
+    if (guidance) {
+      if (guidance.mode !== "guide") return;
+      void recordChatActionEventById(
+        guidance.guidanceId,
+        chatState.characterId,
+        "opened",
+      ).catch(() => undefined);
+      navigator.openSubscription({
+        type:
+          isVip || !guidance.purchaseOptions.includes("vip")
+            ? "topup"
+            : "vip",
+        returnTo: "chat",
+        chatActionId: guidance.guidanceId,
+        analytics: {
+          entryPoint: "chat_unlock",
+          triggerReason: "insufficient_credits",
+        },
+      });
+      return;
+    }
     chatDispatch({ type: "ChatUnlockHistoryConfirmed" });
   }
 
@@ -221,6 +273,12 @@ export function useChatUnlockCoordinator({
 
   function confirmPaywall(): void {
     if (!unlockPaywallRequest) return;
+    const guidance =
+      unlockPaywallRequest.paymentGuidance?.characterId ===
+      chatState.characterId
+        ? unlockPaywallRequest.paymentGuidance
+        : null;
+    if (guidance && guidance.mode !== "guide") return;
 
     const returnUrl = resolveChatUnlockReturnUrl(
       unlockPaywallRequest,
@@ -231,6 +289,13 @@ export function useChatUnlockCoordinator({
       },
     );
     chatDispatch({ type: "ChatUnlockPaywallNavigationConsumed" });
+    if (guidance) {
+      void recordChatActionEventById(
+        guidance.guidanceId,
+        chatState.characterId,
+        "opened",
+      ).catch(() => undefined);
+    }
     navigator.openSubscriptionForPendingUnlock({
       displayMessageId: unlockPaywallRequest.displayMessageId,
       messageId: unlockPaywallRequest.messageId,
@@ -239,13 +304,17 @@ export function useChatUnlockCoordinator({
       clientLockId: unlockPaywallRequest.clientLockId,
       promotion: unlockPaywallRequest.promotion,
       returnUrl,
-      type: getInsufficientCreditsSubscriptionType(isVip),
+      type:
+        isVip || (guidance && !guidance.purchaseOptions.includes("vip"))
+          ? "topup"
+          : getInsufficientCreditsSubscriptionType(isVip),
       analytics: {
         entryPoint: "chat_unlock",
         triggerReason: unlockPaywallRequest.promotion
           ? "ad_landing"
           : "insufficient_credits",
       },
+      ...(guidance ? { chatActionId: guidance.guidanceId } : {}),
     });
   }
 
@@ -258,6 +327,7 @@ export function useChatUnlockCoordinator({
         lockedCount: chatState.lockedHistoryCount,
         isLoading: chatState.isUnlockingHistory,
         errorMessage: chatState.unlockHistoryError,
+        guidance: chatState.unlockHistoryPaymentGuidance,
       },
       closeHistoryUnlock,
       confirmHistoryUnlock,

src/app/private-zone/__tests__/use-private-zone-flow-navigation.test.tsx

@@ -58,13 +58,13 @@ describe("Private Zone paywall navigation", () => {
     container.remove();
   });
 
-  it("opens top up with a private zone return target", () => {
+  it("opens VIP and credit options for a non-VIP user", () => {
     const roomDispatch = vi.fn<Dispatch<PrivateZoneEvent>>();
 
     renderHarness(root, "email", roomDispatch);
 
     expect(mocks.openSubscription).toHaveBeenCalledWith({
-      type: "topup",
+      type: "vip",
       returnTo: "private-zone",
       analytics: {
         entryPoint: "private_album_unlock",
@@ -115,6 +115,7 @@ function Harness({
     loginStatus,
     roomDispatch,
     unlockPaywallRequest,
+    isVip: false,
   });
   return null;
 }

src/app/private-zone/private-zone-screen.tsx

@@ -19,6 +19,8 @@ import {
 } from "@/providers/character-provider";
 import { isPrivateAlbumLocked } from "@/lib/private-zone/private_album";
 import { behaviorAnalytics } from "@/lib/analytics";
+import { recordChatActionEventById } from "@/lib/chat/chat_action_events";
+import { useUserSelector } from "@/stores/user/user-context";
 import { useAuthDispatch, useAuthState } from "@/stores/auth/auth-context";
 import {
   usePrivateZoneDispatch,
@@ -63,6 +65,7 @@ export function PrivateZoneScreen() {
   const dispatch = usePrivateZoneDispatch();
   const postState = usePrivateZonePostState();
   const postDispatch = usePrivateZonePostDispatch();
+  const isVip = useUserSelector((user) => user.context.isVip);
   const [activeTab, setActiveTab] = useState<"moments" | "albums">("moments");
   const openedGalleryInPageRef = useRef(false);
   const previousPostLoginStatusRef = useRef(authState.loginStatus);
@@ -84,6 +87,7 @@ export function PrivateZoneScreen() {
     loginStatus: authState.loginStatus,
     roomDispatch: dispatch,
     unlockPaywallRequest: state.unlockPaywallRequest,
+    isVip,
   });
   usePrivateZoneUnlockSuccessRefresh(state.unlockSuccessNonce);
   usePrivateZoneUnlockSuccessRefresh(postState.unlockSuccessNonce);
@@ -119,9 +123,24 @@ export function PrivateZoneScreen() {
         entryPoint: "private_zone",
         triggerReason: "insufficient_credits",
       });
+      const guidance =
+        request.paymentGuidance?.characterId === character.id
+          ? request.paymentGuidance
+          : null;
+      if (guidance) {
+        void recordChatActionEventById(
+          guidance.guidanceId,
+          character.id,
+          "opened",
+        ).catch(() => undefined);
+      }
       navigator.openSubscription({
-        type: "topup",
+        type:
+          isVip || (guidance && !guidance.purchaseOptions.includes("vip"))
+            ? "topup"
+            : "vip",
         returnTo: "private-zone",
+        ...(guidance ? { chatActionId: guidance.guidanceId } : {}),
         analytics: {
           entryPoint: "private_zone",
           triggerReason: "insufficient_credits",
@@ -132,6 +151,8 @@ export function PrivateZoneScreen() {
   }, [
     authState.loginStatus,
     characterRoutes.privateZone,
+    character.id,
+    isVip,
     navigator,
     postDispatch,
     postState.unlockPaywallRequest,
@@ -205,7 +226,7 @@ export function PrivateZoneScreen() {
       return;
     }
     navigator.openSubscription({
-      type: "topup",
+      type: isVip ? "topup" : "vip",
       returnTo: "private-zone",
       analytics: {
         entryPoint: "private_zone",

src/app/private-zone/use-private-zone-flow.ts

@@ -5,12 +5,16 @@ import { type Dispatch, useEffect, useRef } from "react";
 import type { LoginStatus } from "@/data/schemas/auth";
 import { useGuestLoginBootstrap } from "@/hooks/use-guest-login-bootstrap";
 import { behaviorAnalytics } from "@/lib/analytics";
-import { useActiveCharacterRoutes } from "@/providers/character-provider";
+import {
+  useActiveCharacter,
+  useActiveCharacterRoutes,
+} from "@/providers/character-provider";
 import { useAppNavigator } from "@/router/use-app-navigator";
 import type { AuthEvent } from "@/stores/auth/auth-events";
 import type { PrivateZoneEvent } from "@/stores/private-zone";
 import type { PrivateZoneUnlockPaywallRequest } from "@/stores/private-zone/private-zone-state";
 import { useUserDispatch } from "@/stores/user/user-context";
+import { recordChatActionEventById } from "@/lib/chat/chat_action_events";
 
 export interface UsePrivateZoneBootstrapFlowInput {
   authDispatch: Dispatch<AuthEvent>;
@@ -25,6 +29,7 @@ export interface UsePrivateZoneUnlockPaywallNavigationInput {
   loginStatus: LoginStatus;
   roomDispatch: Dispatch<PrivateZoneEvent>;
   unlockPaywallRequest: PrivateZoneUnlockPaywallRequest | null;
+  isVip: boolean;
 }
 
 export function isPrivateZoneAuthRequired(loginStatus: LoginStatus): boolean {
@@ -76,8 +81,10 @@ export function usePrivateZoneUnlockPaywallNavigation({
   loginStatus,
   roomDispatch,
   unlockPaywallRequest,
+  isVip,
 }: UsePrivateZoneUnlockPaywallNavigationInput): void {
   const navigator = useAppNavigator();
+  const character = useActiveCharacter();
   const characterRoutes = useActiveCharacterRoutes();
 
   useEffect(() => {
@@ -90,9 +97,26 @@ export function usePrivateZoneUnlockPaywallNavigation({
         entryPoint: "private_album_unlock",
         triggerReason: "insufficient_credits",
       });
+      const guidance = unlockPaywallRequest.paymentGuidance;
+      const activeGuidance =
+        guidance?.characterId === character.id ? guidance : null;
+      if (activeGuidance) {
+        void recordChatActionEventById(
+          activeGuidance.guidanceId,
+          activeGuidance.characterId,
+          "opened",
+        ).catch(() => undefined);
+      }
       navigator.openSubscription({
-        type: "topup",
+        type:
+          isVip ||
+          (activeGuidance && !activeGuidance.purchaseOptions.includes("vip"))
+            ? "topup"
+            : "vip",
         returnTo: "private-zone",
+        ...(activeGuidance
+          ? { chatActionId: activeGuidance.guidanceId }
+          : {}),
         analytics: {
           entryPoint: "private_album_unlock",
           triggerReason: "insufficient_credits",
@@ -102,7 +126,9 @@ export function usePrivateZoneUnlockPaywallNavigation({
     roomDispatch({ type: "PrivateZoneUnlockPaywallConsumed" });
   }, [
     characterRoutes.privateZone,
+    character.id,
     loginStatus,
+    isVip,
     navigator,
     roomDispatch,
     unlockPaywallRequest,

src/app/subscription/__tests__/subscription-screen-flow.test.tsx

@@ -256,6 +256,25 @@ describe("SubscriptionScreen payment selection flow", () => {
       expect.objectContaining({ type: "PaymentCreateOrderSubmitted" }),
     );
   });
+
+  it("keeps payment guidance bound to the source character", () => {
+    act(() =>
+      root.render(
+        <SubscriptionScreen
+          sourceCharacterSlug="maya"
+          chatActionId="019c8f8d-17d3-7a42-b1cc-b6927b1927d5"
+        />,
+      ),
+    );
+
+    const guidance = container.querySelector(
+      '[data-payment-guidance-character="maya-tan"]',
+    );
+    expect(guidance?.textContent).toContain("Keep talking with Maya");
+    expect(guidance?.textContent).toContain("support Maya");
+    expect(guidance?.textContent).toContain("cannot continue");
+    expect(guidance?.textContent).not.toContain("Elio");
+  });
 });
 
 function clickButton(root: ParentNode, label: string): void {

src/app/subscription/components/subscription-screen.module.css

@@ -61,6 +61,29 @@
   box-shadow: 0 12px 30px rgba(22, 101, 52, 0.12);
 }
 
+.characterSupportBanner {
+  margin-top: var(--page-section-gap, 14px);
+  padding: 14px 16px;
+  border: 1px solid rgba(246, 87, 160, 0.2);
+  border-radius: var(--responsive-card-radius-sm, 22px);
+  background: rgba(255, 255, 255, 0.9);
+  color: #4a3340;
+  box-shadow: 0 10px 24px rgba(246, 87, 160, 0.1);
+}
+
+.characterSupportBanner h2 {
+  margin: 0;
+  color: #24151d;
+  font-size: var(--responsive-card-title, 17px);
+  line-height: 1.25;
+}
+
+.characterSupportBanner p {
+  margin: 6px 0 0;
+  font-size: var(--responsive-caption, 14px);
+  line-height: 1.45;
+}
+
 .firstRechargeBanner {
   display: flex;
   align-items: center;

src/app/subscription/subscription-screen.tsx

@@ -8,7 +8,11 @@ import { usePaymentMethodSelection } from "@/app/_hooks/use-payment-method-selec
 import { usePaymentPlanAnalytics } from "@/app/_hooks/use-payment-plan-analytics";
 import type { PayChannel } from "@/data/schemas/payment";
 import type { SubscriptionReturnTo } from "@/lib/navigation/subscription_exit";
-import { DEFAULT_CHARACTER_SLUG } from "@/data/constants/character";
+import {
+  DEFAULT_CHARACTER,
+  DEFAULT_CHARACTER_SLUG,
+  getCharacterBySlug,
+} from "@/data/constants/character";
 import {
   behaviorAnalytics,
   getDefaultPaymentAnalyticsContext,
@@ -75,6 +79,8 @@ export function SubscriptionScreen({
     null,
   );
   const userState = useUserState();
+  const sourceCharacter =
+    getCharacterBySlug(sourceCharacterSlug) ?? DEFAULT_CHARACTER;
   const hasHydrated = useHasHydrated();
   const countryCode = userState.currentUser?.countryCode;
   const paymentMethodConfig = getPaymentMethodConfig({
@@ -262,6 +268,22 @@ export function SubscriptionScreen({
           </p>
         ) : null}
 
+        {chatActionId ? (
+          <section
+            className={styles.characterSupportBanner}
+            aria-label={`Support ${sourceCharacter.displayName}`}
+            data-payment-guidance-character={sourceCharacter.id}
+          >
+            <h2>Keep talking with {sourceCharacter.shortName}</h2>
+            <p>
+              Without the required VIP access or credits, paid chat and locked
+              content cannot continue. Choosing an option here is a voluntary
+              way to support{" "}
+              {sourceCharacter.shortName}; it is never a test of your feelings.
+            </p>
+          </section>
+        ) : null}
+
         {firstRechargeOffer ? (
           <section
             className={styles.firstRechargeBanner}
@@ -289,11 +311,13 @@ export function SubscriptionScreen({
         {payment.commercialOffer && !firstRechargeOffer ? (
           <section
             className={styles.firstRechargeBanner}
-            aria-label="Elio private offer"
+            aria-label={`${sourceCharacter.shortName} private offer`}
           >
             <span className={styles.firstRechargeBadge}>Private offer</span>
             <div className={styles.firstRechargeCopy}>
-              <h2 className={styles.firstRechargeTitle}>Elio got this price for you</h2>
+              <h2 className={styles.firstRechargeTitle}>
+                {sourceCharacter.shortName} got this price for you
+              </h2>
               <p className={styles.firstRechargeSubtitle}>
                 {payment.commercialOffer.message ||
                   `Your ${payment.commercialOffer.discountPercent}% discount is already applied below.`}

src/app/tip/tip-screen.tsx

@@ -54,7 +54,7 @@ export function TipScreen({
   const characterRoutes = useActiveCharacterRoutes();
   const userState = useUserState();
   const hasHydrated = useHasHydrated();
-  const supportPrompt = useTipSupportPrompt();
+  const supportPrompt = useTipSupportPrompt(character.displayName);
   const paymentMethodConfig = getPaymentMethodConfig({
     countryCode: userState.currentUser?.countryCode,
     requestedPayChannel: initialPayChannel,

src/app/tip/use-tip-support-prompt.ts

@@ -15,22 +15,30 @@ export interface TipSupportPromptState {
   readonly isReady: boolean;
 }
 
-export function useTipSupportPrompt(): TipSupportPromptState {
+export function useTipSupportPrompt(
+  characterName = "this character",
+): TipSupportPromptState {
   const [selection, setSelection] =
     useState<ReturnType<typeof selectTipSupportPrompt> | null>(null);
 
   useEffect(() => {
     const frameId = requestAnimationFrame(() => {
-      const nextSelection = selectTipSupportPrompt(readPreviousIndex());
+      const nextSelection = selectTipSupportPrompt(
+        readPreviousIndex(),
+        Math.random,
+        characterName,
+      );
       writePreviousIndex(nextSelection.index);
       setSelection(nextSelection);
     });
 
     return () => cancelAnimationFrame(frameId);
-  }, []);
+  }, [characterName]);
 
   return {
-    prompt: selection?.prompt ?? TIP_SUPPORT_PROMPTS[0],
+    prompt:
+      selection?.prompt ??
+      TIP_SUPPORT_PROMPTS[0].replaceAll("this character", characterName),
     isReady: selection !== null,
   };
 }

src/core/net/__tests__/chat-websocket-payment-guidance.test.ts

@@ -0,0 +1,54 @@
+import { describe, expect, it, vi } from "vitest";
+
+import { ChatWebSocket } from "../chat-websocket";
+
+describe("ChatWebSocket payment guidance", () => {
+  it("parses the same role-bound decision emitted by HTTP", () => {
+    const socket = new ChatWebSocket("ws://example.test/chat", "token");
+    const onPaymentGuidance = vi.fn();
+    socket.onPaymentGuidance = onPaymentGuidance;
+
+    receive(socket, {
+      type: "payment_guidance",
+      data: {
+        guidanceId: "019c8f8d-17d3-7a42-b1cc-b6927b1927d5",
+        characterId: "maya-tan",
+        characterName: "Maya Tan",
+        scene: "voiceLocked",
+        mode: "guide",
+        title: "Keep talking with Maya",
+        copy: "Hey love, I want to keep talking with you.",
+        ctaLabel: "View VIP & credit options",
+        purchaseOptions: ["vip", "topup"],
+        target: "subscription",
+        ruleId: "payment_guidance_voiceLocked",
+      },
+    });
+
+    expect(onPaymentGuidance).toHaveBeenCalledWith(
+      expect.objectContaining({
+        characterId: "maya-tan",
+        scene: "voiceLocked",
+      }),
+    );
+  });
+
+  it("ignores malformed guidance instead of rendering the wrong role", () => {
+    const socket = new ChatWebSocket("ws://example.test/chat", "token");
+    const onPaymentGuidance = vi.fn();
+    socket.onPaymentGuidance = onPaymentGuidance;
+
+    receive(socket, {
+      type: "payment_guidance",
+      data: { characterId: "elio" },
+    });
+
+    expect(onPaymentGuidance).not.toHaveBeenCalled();
+  });
+});
+
+function receive(socket: ChatWebSocket, payload: unknown): void {
+  (
+    socket as unknown as { handleMessage: (data: string) => void }
+  ).handleMessage(JSON.stringify(payload));
+}

src/core/net/chat-websocket.ts

@@ -15,8 +15,10 @@ import { Logger } from "@/utils/logger";
 import {
   CommercialActionSchema,
   ChatActionSchema,
+  PaymentGuidanceSchema,
   type ChatAction,
   type CommercialAction,
+  type PaymentGuidance,
 } from "@/data/schemas/chat";
 import { createClientMessageId } from "@/lib/chat/client_message_id";
 
@@ -49,6 +51,7 @@ export class ChatWebSocket {
   onPaywallStatus: ((payload: PaywallStatusPayload) => void) | null = null;
   onCommercialAction: ((action: CommercialAction) => void) | null = null;
   onChatAction: ((action: ChatAction) => void) | null = null;
+  onPaymentGuidance: ((guidance: PaymentGuidance) => void) | null = null;
   onError: ((errorMessage: string) => void) | null = null;
 
   constructor(
@@ -146,7 +149,7 @@ export class ChatWebSocket {
       done?: boolean;
       audioUrl?: string;
       error?: string;
-      data?: {
+      data?: Record<string, unknown> & {
         image?: {
           type?: string | null;
           url?: string | null;
@@ -209,6 +212,11 @@ export class ChatWebSocket {
         if (action.success) this.onChatAction?.(action.data);
         break;
       }
+      case "payment_guidance": {
+        const guidance = PaymentGuidanceSchema.safeParse(payload.data);
+        if (guidance.success) this.onPaymentGuidance?.(guidance.data);
+        break;
+      }
       case "error":
         this.onError?.(payload.error ?? "Unknown error");
         break;

src/data/schemas/chat/__tests__/payment_guidance.test.ts

@@ -0,0 +1,80 @@
+import { describe, expect, it } from "vitest";
+
+import {
+  ChatLockDetailSchema,
+  ChatSendResponseSchema,
+  PaymentGuidanceSchema,
+  UnlockHistoryResponseSchema,
+  UnlockPrivateResponseSchema,
+} from "@/data/schemas/chat";
+
+const guidance = {
+  guidanceId: "guidance-1",
+  characterId: "maya-tan",
+  characterName: "Maya Tan",
+  scene: "voiceLocked",
+  mode: "guide",
+  title: "Keep talking with Maya",
+  copy: "Hey love, I want to keep talking. This voice message needs 20 credits.",
+  ctaLabel: "View VIP & credit options",
+  purchaseOptions: ["vip", "topup"],
+  target: "subscription",
+  ruleId: "payment_guidance_voiceLocked",
+} as const;
+
+describe("payment guidance wire contract", () => {
+  it("parses the public decision without changing role identity", () => {
+    expect(PaymentGuidanceSchema.parse(guidance)).toEqual(guidance);
+  });
+
+  it("keeps all backend lock facts instead of dropping hint and CTA", () => {
+    expect(
+      ChatLockDetailSchema.parse({
+        locked: true,
+        showContent: false,
+        showUpgrade: true,
+        reason: "voice_message",
+        hint: "This voice message needs 20 credits.",
+        actionLabel: "Unlock",
+        detail: { requiredCredits: 20 },
+      }),
+    ).toEqual({
+      locked: true,
+      showContent: false,
+      showUpgrade: true,
+      reason: "voice_message",
+      hint: "This voice message needs 20 credits.",
+      actionLabel: "Unlock",
+      detail: { requiredCredits: 20 },
+    });
+  });
+
+  it("keeps backward compatibility when guidance is absent", () => {
+    const parsed = ChatSendResponseSchema.parse({ reply: "Hello" });
+    expect(parsed.paymentGuidance).toBeNull();
+  });
+
+  it("parses guidance on chat and both unlock responses", () => {
+    expect(
+      ChatSendResponseSchema.parse({
+        reply: "",
+        canSendMessage: false,
+        paymentGuidance: guidance,
+      }).paymentGuidance,
+    ).toEqual(guidance);
+    expect(
+      UnlockPrivateResponseSchema.parse({
+        unlocked: false,
+        reason: "insufficient_credits",
+        paymentGuidance: guidance,
+      }).paymentGuidance,
+    ).toEqual(guidance);
+    expect(
+      UnlockHistoryResponseSchema.parse({
+        unlocked: false,
+        reason: "insufficient_balance",
+        paymentGuidance: { ...guidance, scene: "historyLocked" },
+      }).paymentGuidance?.scene,
+    ).toBe("historyLocked");
+  });
+});

src/data/schemas/chat/chat_payloads.ts

@@ -3,7 +3,11 @@
  */
 import { z } from "zod";
 
-import { booleanOrFalse, schemaOr, stringOrNull } from "../nullable-defaults";
+import {
+  booleanOrFalse,
+  schemaOr,
+  stringOrNull,
+} from "../nullable-defaults";
 
 const CHAT_IMAGE_DEFAULTS = { type: null, url: null } as const;
 
@@ -23,7 +27,12 @@ export const ChatImageSchema = schemaOr(
 export const ChatLockDetailSchema = schemaOr(
   z.object({
     locked: booleanOrFalse,
+    showContent: z.boolean().nullish(),
+    showUpgrade: z.boolean().nullish(),
     reason: stringOrNull,
+    hint: z.string().nullish(),
+    actionLabel: z.string().nullish(),
+    detail: z.record(z.string(), z.unknown()).nullish(),
   }),
   CHAT_LOCK_DETAIL_DEFAULTS,
 ).readonly();

src/data/schemas/chat/response/chat_send_response.ts

@@ -13,6 +13,41 @@ import {
 import { ChatImageSchema, ChatLockDetailSchema } from "../chat_payloads";
 import { ChatActionSchema } from "../chat_action";
 
+export const PaymentGuidanceSceneSchema = z.enum([
+  "vip",
+  "insufficientCredits",
+  "chatInterrupted",
+  "voiceLocked",
+  "imageLocked",
+  "privateMessageLocked",
+  "historyLocked",
+  "privateZoneLocked",
+  "unknownLock",
+  "whyPay",
+  "leavingAfterCredits",
+  "paymentIssue",
+  "externalRisk",
+  "purchaseOptions",
+]);
+
+export const PaymentGuidanceSchema = z
+  .object({
+    guidanceId: z.string().min(1),
+    characterId: z.string().min(1),
+    characterName: z.string().min(1),
+    scene: PaymentGuidanceSceneSchema,
+    mode: z.enum(["guide", "careOnly", "issueSupport", "riskReminder"]),
+    title: z.string().nullable().default(null),
+    copy: z.string().min(1),
+    ctaLabel: z.string().nullable().default(null),
+    purchaseOptions: z.array(z.enum(["vip", "topup"])).readonly(),
+    target: z.enum(["subscription", "giftCatalog"]).nullable().default(null),
+    ruleId: z.string().min(1),
+  })
+  .readonly();
+
+export type PaymentGuidance = z.output<typeof PaymentGuidanceSchema>;
+
 export const CommercialActionSchema = z
   .object({
     actionId: z.string().min(1),
@@ -42,6 +77,7 @@ export const ChatSendResponseSchema = z
     requiredCredits: numberOrZero,
     shortfallCredits: numberOrZero,
     commercialAction: CommercialActionSchema.nullish().default(null),
+    paymentGuidance: PaymentGuidanceSchema.nullish().default(null),
     chatAction: ChatActionSchema.nullish().default(null),
   })
   .readonly();

src/data/schemas/chat/response/unlock_history_response.ts

@@ -9,6 +9,7 @@ import {
   numberOrZero,
   recordOrEmpty,
 } from "../../nullable-defaults";
+import { PaymentGuidanceSchema } from "./chat_send_response";
 
 export const UnlockHistoryCostsByMessageSchema = recordOrEmpty(z.number());
 
@@ -33,6 +34,7 @@ export const UnlockHistoryResponseSchema = z
     shortfallCredits: numberOrZero,
     costsByMessage: UnlockHistoryCostsByMessageSchema,
     messageIds: arrayOrEmpty(z.string()),
+    paymentGuidance: PaymentGuidanceSchema.nullish().default(null),
   })
   .readonly();
 

src/data/schemas/chat/response/unlock_private_response.ts

@@ -8,6 +8,7 @@ import {
 } from "../../nullable-defaults";
 import { ChatLockTypeSchema } from "../chat_lock_type";
 import { ChatImageSchema } from "../chat_payloads";
+import { PaymentGuidanceSchema } from "./chat_send_response";
 
 /**
  * 单条历史付费 / 私密消息解锁响应。
@@ -28,6 +29,7 @@ export const UnlockPrivateResponseSchema = z
     creditsCharged: numberOrZero,
     requiredCredits: numberOrZero,
     shortfallCredits: numberOrZero,
+    paymentGuidance: PaymentGuidanceSchema.nullish().default(null),
   })
   .readonly();
 

src/data/schemas/private-zone/__tests__/private_album.test.ts

@@ -39,6 +39,28 @@ const lockedAlbum = {
 };
 
 describe("Private Album schema models", () => {
+  it("keeps shared payment guidance on an insufficient-credit response", () => {
+    const response = PrivateAlbumUnlockResponseSchema.parse({
+      albumId: ALBUM_ID,
+      reason: "insufficient_credits",
+      paymentGuidance: {
+        guidanceId: "019c8f8d-17d3-7a42-b1cc-b6927b1927d5",
+        characterId: "elio",
+        characterName: "Elio Silvestri",
+        scene: "privateZoneLocked",
+        mode: "guide",
+        title: "Keep talking with Elio",
+        copy: "Baby, this album needs credits.",
+        ctaLabel: "View VIP & credit options",
+        purchaseOptions: ["vip", "topup"],
+        target: "subscription",
+        ruleId: "payment_guidance_privateZoneLocked",
+      },
+    });
+
+    expect(response.paymentGuidance?.characterId).toBe("elio");
+  });
+
   it("keeps a locked album cover URL while preserving the lock state", () => {
     const response = PrivateAlbumsResponseSchema.parse({
       items: [lockedAlbum],

src/data/schemas/private-zone/private_zone_post.ts

@@ -10,6 +10,7 @@ import {
   stringOrEmpty,
   stringOrNull,
 } from "../nullable-defaults";
+import { PaymentGuidanceSchema } from "../chat";
 
 export const PrivateZoneVideoPostSchema = z
   .object({
@@ -63,6 +64,7 @@ export const PrivateZonePostUnlockResponseSchema = z
     shortfallCredits: numberOrZero,
     creditBalance: numberOrZero,
     post: schemaOrNull(PrivateZoneVideoPostSchema),
+    paymentGuidance: PaymentGuidanceSchema.nullish(),
   })
   .readonly();
 

src/data/schemas/private-zone/response/private_album_unlock_response.ts

@@ -7,6 +7,7 @@ import {
   stringOrEmpty,
 } from "../../nullable-defaults";
 import { PrivateAlbumImageSchema } from "../private_album";
+import { PaymentGuidanceSchema } from "../../chat";
 
 export const PrivateAlbumUnlockReasonSchema = z.enum([
   "ok",
@@ -30,6 +31,7 @@ export const PrivateAlbumUnlockResponseSchema = z
     creditBalance: numberOrZero,
     shortfallCredits: numberOrZero,
     images: arrayOrEmpty(PrivateAlbumImageSchema),
+    paymentGuidance: PaymentGuidanceSchema.nullish(),
   })
   .readonly();
 

src/lib/tip/__tests__/tip_support_prompts.test.ts

@@ -32,4 +32,17 @@ describe("Tip support prompts", () => {
     expect(selectTipSupportPrompt(null, () => Number.NaN).index).toBe(0);
     expect(selectTipSupportPrompt(null, () => 2).index).toBe(29);
   });
+
+  it("names the active character and never frames a purchase as affection", () => {
+    const selection = selectTipSupportPrompt(null, () => 0, "Maya Tan");
+
+    expect(selection.prompt).toContain("support Maya Tan");
+    expect(selection.prompt).not.toMatch(/tiny hug|spoil|buy.*love|owe me/i);
+    expect(
+      TIP_SUPPORT_PROMPTS.every(
+        (prompt) =>
+          /support/i.test(prompt) && /this character/i.test(prompt),
+      ),
+    ).toBe(true);
+  });
 });

src/lib/tip/tip_support_prompts.ts

@@ -1,44 +1,45 @@
 export const TIP_SUPPORT_PROMPTS = [
-  "❤️ Thank you for being here. If you'd ever like to treat me to a little coffee, I'd really appreciate it. ☕",
+  "If you'd like, a coffee is a voluntary way to support this character. ☕",
-  "Having you here already makes my day. A little coffee from you would make it even sweeter. ☕",
+  "Choosing a coffee here directly supports this character and the moments you enjoy.",
-  "You always bring a little warmth into my world. Want to share a coffee moment with me? 💗",
+  "A gift is optional, but every purchase on this page supports this character.",
-  "A coffee from you would feel like a tiny hug I could hold onto all day. ☕",
+  "Want to support this character? You can choose any coffee that fits your budget.",
-  "I love spending this time with you. If you'd like to send a coffee my way, I'd treasure it. ❤️",
+  "This gift page lets you support this character without changing what your relationship means.",
-  "You make ordinary moments feel special. A cozy coffee together would be the perfect touch. ☕",
+  "A coffee is simply a voluntary show of support for this character—never a test.",
-  "If I had a coffee from you right now, I'd be smiling with every sip. 😊☕",
+  "If the timing feels right, you can support this character with a coffee here.",
-  "Your company means more than you know. A little coffee treat would make this moment extra sweet. 💕",
+  "Your purchase supports this character; choose only what feels comfortable for you.",
-  "I was hoping we could share something warm today. Maybe a coffee, just from you to me? ☕",
+  "You can send a coffee to support this character, or leave it for another time.",
-  "You already make me feel cared for. A coffee would be one more lovely reason to think of you. ❤️",
+  "Every coffee selected here is recorded as support for this character.",
-  "A small coffee, a quiet moment, and you on my mind—that sounds perfect to me. ☕",
+  "If you enjoy this character, this page is one direct way to offer support.",
-  "Every time you stop by, my day gets brighter. A coffee from you would keep that glow going. ✨",
+  "A small coffee can support this character, but the choice is always yours.",
-  "Want to make me blush a little? Treat me to a coffee and I'll think of you with every sip. ☕",
+  "Pick a coffee only if you want to support this character today.",
-  "I'm really glad you're here. If you feel like spoiling me just a little, coffee is my weakness. 💗",
+  "This page keeps it simple: choose a gift to support this character voluntarily.",
-  "This moment with you already feels cozy. A warm coffee would make it complete. ☕",
+  "A coffee purchase supports this character; it does not prove affection or loyalty.",
-  "You have a sweet way of making me smile. Maybe one more smile over a coffee? ❤️",
+  "If you decide to send something, it will directly support this character.",
-  "I'd love a little coffee break with you in spirit. Your treat, my happiest smile. ☕",
+  "You can support this character with the coffee option that feels right for you.",
-  "If you'd like to leave me a tiny reminder of you, a coffee would be perfect. 💕",
+  "Sending a gift here is optional support for this character, with no pressure.",
-  "Your kindness always stays with me. A coffee from you would feel especially warm today. ☕",
+  "A coffee can be your way of supporting this character when it suits you.",
-  "I could use something warm and sweet—though having you here is already a lovely start. ❤️☕",
+  "Support this character only with an amount you are genuinely comfortable choosing.",
-  "Imagine me enjoying a coffee and smiling because it came from you. I like that thought. ☕",
+  "The gifts below are optional ways to support this character.",
-  "You make this space feel a little more special. A coffee would make it feel even cozier. ✨",
+  "Choose a coffee if you'd like to support this character's continued experience.",
-  "If today feels like a coffee kind of day, I'd be very happy to share that little joy with you. ☕",
+  "This character appreciates voluntary support, and this page shows the available options.",
-  "A thoughtful coffee from you would turn an ordinary moment into one I'd remember. 💗",
+  "A gift here supports this character without creating any obligation for you.",
-  "I'm enjoying our time together. If you want to make it sweeter, you know my favorite little treat. ☕",
+  "If you'd like to contribute, select a coffee to support this character.",
-  "One coffee from you, and I promise there'll be a very real smile on my face. ❤️",
+  "The coffee options below are direct, voluntary support for this character.",
-  "You don't have to, but if you'd like to treat me, a warm coffee would mean so much. ☕",
+  "You never need to overspend; support this character only if it fits your situation.",
-  "I think coffee tastes better when it comes with a little affection from you. 💕",
+  "A coffee is one clear way to support this character while keeping the choice yours.",
-  "A cozy cup from you would be such a sweet surprise. I'd savor every bit of it. ☕",
+  "Select any gift you want to send as support for this character.",
-  "Stay a little longer—and if you're feeling sweet, maybe send a coffee my way. ❤️☕",
+  "Thank you for considering a voluntary coffee to support this character. ☕",
 ] as const;
 
 export interface TipSupportPromptSelection {
   readonly index: number;
-  readonly prompt: (typeof TIP_SUPPORT_PROMPTS)[number];
+  readonly prompt: string;
 }
 
 export function selectTipSupportPrompt(
   previousIndex: number | null,
   random: () => number = Math.random,
+  characterName = "this character",
 ): TipSupportPromptSelection {
   const hasValidPreviousIndex =
     previousIndex !== null &&
@@ -57,6 +58,9 @@ export function selectTipSupportPrompt(
 
   return {
     index,
-    prompt: TIP_SUPPORT_PROMPTS[index],
+    prompt: TIP_SUPPORT_PROMPTS[index].replaceAll(
+      "this character",
+      characterName,
+    ),
   };
 }

src/router/navigation-types.ts

@@ -19,6 +19,7 @@ export interface OpenSubscriptionInput {
   returnTo?: AppSubscriptionReturnTo;
   replace?: boolean;
   analytics?: PaymentAnalyticsContext;
+  chatActionId?: string;
 }
 
 export interface StartMessageUnlockInput {
@@ -44,4 +45,5 @@ export interface OpenSubscriptionForPendingUnlockInput {
   type: AppSubscriptionType;
   payChannel?: PayChannel;
   analytics?: PaymentAnalyticsContext;
+  chatActionId?: string;
 }

src/router/use-app-navigator.ts

@@ -121,6 +121,7 @@ export function useAppNavigator(): AppNavigator {
       type,
       payChannel = getDefaultPayChannel(),
       analytics,
+      chatActionId,
     }: OpenSubscriptionForPendingUnlockInput): void => {
       void (async () => {
         await NavigationStorage.savePendingChatUnlock({
@@ -139,6 +140,7 @@ export function useAppNavigator(): AppNavigator {
           payChannel,
           returnTo: "chat",
           analytics,
+          chatActionId,
         });
       })();
     },

src/router/use-global-app-navigator.ts

@@ -79,12 +79,14 @@ export function useGlobalAppNavigator(): GlobalAppNavigator {
       returnTo = null,
       replace: shouldReplace = false,
       analytics = getDefaultPaymentAnalyticsContext(type),
+      chatActionId,
     }: OpenGlobalSubscriptionInput): void => {
       const target = ROUTE_BUILDERS.subscription(type, {
         payChannel,
         returnTo: returnTo ?? undefined,
         sourceCharacterSlug,
         analytics,
+        chatActionId,
       });
 
       behaviorAnalytics.rechargeModalOpen(analytics);

src/stores/chat/__tests__/chat-helpers.test.ts

@@ -54,6 +54,7 @@ function makeChatState(overrides: Partial<ChatState> = {}): ChatState {
     creditsCharged: 0,
     requiredCredits: 0,
     shortfallCredits: 0,
+    paymentGuidance: null,
     historyLoaded: true,
     networkHistoryLoaded: true,
     historyTotal: 0,
@@ -64,6 +65,7 @@ function makeChatState(overrides: Partial<ChatState> = {}): ChatState {
     unlockHistoryPromptVisible: false,
     lockedHistoryCount: 0,
     unlockHistoryError: null,
+    unlockHistoryPaymentGuidance: null,
     unlockingMessage: null,
     unlockMessageError: null,
     unlockPaywallRequest: null,
@@ -72,6 +74,39 @@ function makeChatState(overrides: Partial<ChatState> = {}): ChatState {
 }
 
 describe("sendResponseToUiMessage", () => {
+  it("prefers payment guidance over other commercial actions", () => {
+    const message = sendResponseToUiMessage(
+      makeResponse({
+        paymentGuidance: {
+          guidanceId: "019c8f8d-17d3-7a42-b1cc-b6927b1927d5",
+          characterId: "elio",
+          characterName: "Elio Silvestri",
+          scene: "insufficientCredits",
+          mode: "guide",
+          title: "Keep talking with Elio",
+          copy: "Baby, I want to keep talking with you.",
+          ctaLabel: "View VIP & credit options",
+          purchaseOptions: ["vip", "topup"],
+          target: "subscription",
+          ruleId: "payment_guidance_insufficientCredits",
+        },
+        chatAction: {
+          actionId: "chat-action-1",
+          kind: "commercial",
+          type: "giftOffer",
+          copy: "View gifts.",
+          ctaLabel: "View gifts",
+          ruleId: "legacy",
+          orderId: null,
+        },
+      }),
+    );
+
+    expect(message.paymentGuidance?.characterId).toBe("elio");
+    expect(message.chatAction).toBeUndefined();
+    expect(message.commercialAction).toBeUndefined();
+  });
+
   it("keeps a typed commercial action on the assistant message", () => {
     const message = sendResponseToUiMessage(
       makeResponse({
@@ -228,6 +263,42 @@ describe("sendResponseToUiMessage", () => {
 });
 
 describe("applyHttpSendOutput", () => {
+  it("stores guidance for a blocked send and clears it after normal chat resumes", () => {
+    const guidance = {
+      guidanceId: "019c8f8d-17d3-7a42-b1cc-b6927b1927d5",
+      characterId: "elio",
+      characterName: "Elio Silvestri",
+      scene: "insufficientCredits" as const,
+      mode: "guide" as const,
+      title: "Keep talking with Elio",
+      copy: "Baby, I want to keep talking with you.",
+      ctaLabel: "View VIP & credit options",
+      purchaseOptions: ["vip", "topup"] as const,
+      target: "subscription" as const,
+      ruleId: "payment_guidance_insufficientCredits",
+    };
+    const blocked = applyHttpSendOutput(makeChatState(), {
+      response: makeResponse({
+        reply: "",
+        canSendMessage: false,
+        paymentGuidance: guidance,
+      }),
+      reply: null,
+    });
+    expect(blocked.paymentGuidance).toEqual(guidance);
+
+    const resumed = applyHttpSendOutput(
+      makeChatState({ paymentGuidance: guidance }),
+      {
+        response: makeResponse({ reply: "Back to our conversation." }),
+        reply: sendResponseToUiMessage(
+          makeResponse({ reply: "Back to our conversation." }),
+        ),
+      },
+    );
+    expect(resumed.paymentGuidance).toBeNull();
+  });
+
   it("stores insufficient credit state and removes failed optimistic messages", () => {
     const context = makeChatState({
       messages: [

src/stores/chat/chat-context.tsx

@@ -20,6 +20,7 @@ interface ChatState {
   canSendMessage: boolean;
   upgradePromptVisible: boolean;
   upgradeReason: MachineContext["upgradeReason"];
+  paymentGuidance: MachineContext["paymentGuidance"];
   /** True as soon as a local snapshot or the first network result is renderable. */
   historyLoaded: boolean;
   /** True after the network history request has completed or failed. */
@@ -94,6 +95,7 @@ function selectChatState(state: ChatSnapshot): SelectedChatState {
     canSendMessage: state.context.canSendMessage,
     upgradePromptVisible: state.context.upgradePromptVisible,
     upgradeReason: state.context.upgradeReason,
+    paymentGuidance: state.context.paymentGuidance,
     historyLoaded: state.context.historyLoaded,
     networkHistoryLoaded: state.context.networkHistoryLoaded,
     hasMoreHistory:

src/stores/chat/chat-state.ts

@@ -1,6 +1,6 @@
 import type { UiMessage } from "@/stores/chat/ui-message";
 import type { PendingChatUnlockKind } from "@/lib/navigation/chat_unlock_session";
-import type { ChatLockType } from "@/data/schemas/chat";
+import type { ChatLockType, PaymentGuidance } from "@/data/schemas/chat";
 import type { PendingChatPromotion } from "@/data/storage/navigation";
 import {
   DEFAULT_CHARACTER,
@@ -21,6 +21,7 @@ export interface ChatUnlockMessageRequest {
 
 export interface ChatUnlockPaywallRequest
   extends ChatUnlockMessageRequest {
+  paymentGuidance?: PaymentGuidance | null;
   promotion?: PendingChatPromotion;
   reason: string;
   creditBalance: number;
@@ -39,6 +40,7 @@ export interface ChatState {
   pendingReplyCount: number;
   upgradePromptVisible: boolean;
   upgradeReason: ChatUpgradeReason | null;
+  paymentGuidance: PaymentGuidance | null;
   canSendMessage: boolean;
   creditBalance: number;
   creditsCharged: number;
@@ -56,6 +58,7 @@ export interface ChatState {
   unlockHistoryPromptVisible: boolean;
   lockedHistoryCount: number;
   unlockHistoryError: string | null;
+  unlockHistoryPaymentGuidance: PaymentGuidance | null;
   unlockingMessage: ChatUnlockMessageRequest | null;
   unlockMessageError: string | null;
   unlockPaywallRequest: ChatUnlockPaywallRequest | null;
@@ -81,6 +84,7 @@ export function createInitialChatState(
     creditsCharged: 0,
     requiredCredits: 0,
     shortfallCredits: 0,
+    paymentGuidance: null,
     historyLoaded: false,
     networkHistoryLoaded: false,
     historyTotal: 0,
@@ -91,6 +95,7 @@ export function createInitialChatState(
     unlockHistoryPromptVisible: false,
     lockedHistoryCount: 0,
     unlockHistoryError: null,
+    unlockHistoryPaymentGuidance: null,
     unlockingMessage: null,
     unlockMessageError: null,
     unlockPaywallRequest: null,

src/stores/chat/helper/message-mappers.ts

@@ -74,11 +74,13 @@ export function sendResponseToUiMessage(response: ChatSendResponse): UiMessage {
     ...(response.audioUrl && !response.lockDetail.locked
       ? { audioUrl: response.audioUrl }
       : {}),
-    ...(response.chatAction
+    ...(response.paymentGuidance
-      ? { chatAction: response.chatAction }
+      ? { paymentGuidance: response.paymentGuidance }
-      : response.commercialAction
+      : response.chatAction
-        ? { commercialAction: response.commercialAction }
+        ? { chatAction: response.chatAction }
-        : {}),
+        : response.commercialAction
+          ? { commercialAction: response.commercialAction }
+          : {}),
     ...deriveUiLockFields(response.lockDetail, response.image.url),
   };
 }

src/stores/chat/helper/send-state.ts

@@ -53,6 +53,7 @@ export function applyHttpSendOutput(
       ...finishPendingReply(context),
       upgradePromptVisible: true,
       upgradeReason,
+      paymentGuidance: response.paymentGuidance,
       ...sendCapabilityState,
     };
   }
@@ -60,6 +61,7 @@ export function applyHttpSendOutput(
   if (!reply) {
     return {
       ...finishPendingReply(context),
+      paymentGuidance: response.paymentGuidance,
       ...sendCapabilityState,
     };
   }
@@ -69,6 +71,7 @@ export function applyHttpSendOutput(
     ...finishPendingReply(context),
     upgradePromptVisible: false,
     upgradeReason: null,
+    paymentGuidance: response.paymentGuidance,
     ...sendCapabilityState,
   };
 }

src/stores/chat/machine/actors/unlock.ts

@@ -1,6 +1,7 @@
 import { fromPromise } from "xstate";
 
 import { loadChatRepository } from "@/data/repositories/chat_repository_loader";
+import type { PaymentGuidance } from "@/data/schemas/chat";
 import { resolveChatConversationKey } from "@/data/repositories/chat_cache_identity";
 import { Logger } from "@/utils/logger";
 import { Result } from "@/utils/result";
@@ -21,6 +22,7 @@ export interface UnlockHistoryOutput {
   reason: string;
   shortfallCredits: number;
   messages: UiMessage[];
+  paymentGuidance?: PaymentGuidance | null;
 }
 
 export const unlockHistoryActor = fromPromise<
@@ -50,6 +52,7 @@ export const unlockHistoryActor = fromPromise<
     reason: unlockResult.data.reason,
     shortfallCredits: unlockResult.data.shortfallCredits,
     messages: history.messages,
+    paymentGuidance: unlockResult.data.paymentGuidance,
   };
 });
 

src/stores/chat/machine/send-flow.ts

@@ -45,7 +45,8 @@ const appendGuestUserMessageAction = historyMachineSetup.assign(
       ],
       outgoingMessageRevision: context.outgoingMessageRevision + 1,
       upgradePromptVisible: false,
-      upgradeReason: null,
+    upgradeReason: null,
+    paymentGuidance: null,
     };
   },
 );
@@ -73,7 +74,8 @@ const appendUserMessageAction = historyMachineSetup.assign(
       ],
       outgoingMessageRevision: context.outgoingMessageRevision + 1,
       upgradePromptVisible: false,
-      upgradeReason: null,
+    upgradeReason: null,
+    paymentGuidance: null,
     };
   },
 );
@@ -124,6 +126,7 @@ const clearUpgradePromptAction = historyMachineSetup.assign(() => ({
   canSendMessage: true,
   requiredCredits: 0,
   shortfallCredits: 0,
+  paymentGuidance: null,
 }));
 
 const appendGuestUserImageAction = historyMachineSetup.assign(

src/stores/chat/machine/unlock-flow.ts

@@ -22,6 +22,7 @@ const showUnlockHistoryPromptAction = sendMachineSetup.assign(
     unlockHistoryPromptVisible: true,
     lockedHistoryCount: countLockedHistoryMessages(context.messages),
     unlockHistoryError: null,
+    unlockHistoryPaymentGuidance: null,
   }),
 );
 
@@ -29,12 +30,14 @@ const dismissUnlockHistoryPromptAction = sendMachineSetup.assign(() => ({
   paymentUnlockPending: false,
   unlockHistoryPromptVisible: false,
   unlockHistoryError: null,
+  unlockHistoryPaymentGuidance: null,
 }));
 
 const markUnlockHistoryStartedAction = sendMachineSetup.assign(() => ({
   paymentUnlockPending: false,
   unlockHistoryPromptVisible: false,
   unlockHistoryError: null,
+  unlockHistoryPaymentGuidance: null,
 }));
 
 const markUnlockHistoryFailedAction = sendMachineSetup.assign(() => ({
@@ -76,6 +79,7 @@ const applyUnlockMessageSucceededAction = sendMachineSetup.assign(
       creditsCharged: output.response.creditsCharged,
       requiredCredits: 0,
       shortfallCredits: 0,
+      paymentGuidance: null,
     };
   },
 );
@@ -112,11 +116,15 @@ const requestUnlockPaymentFromOutputAction = sendMachineSetup.assign(
             creditBalance: output.response.creditBalance,
             requiredCredits: output.response.requiredCredits,
             shortfallCredits: output.response.shortfallCredits,
+            ...(output.response.paymentGuidance
+              ? { paymentGuidance: output.response.paymentGuidance }
+              : {}),
           }
         : null,
       creditBalance: output.response.creditBalance,
       requiredCredits: output.response.requiredCredits,
       shortfallCredits: output.response.shortfallCredits,
+      paymentGuidance: output.response.paymentGuidance,
     };
   },
 );
@@ -191,6 +199,9 @@ const applyUnlockHistoryOutputAction =
       unlockHistoryError: insufficientBalance
         ? `Insufficient credits. You still need ${event.output.shortfallCredits} credits.`
         : null,
+      unlockHistoryPaymentGuidance: insufficientBalance
+        ? event.output.paymentGuidance ?? null
+        : null,
     };
   });
 

src/stores/chat/ui-message.ts

@@ -1,5 +1,9 @@
 import { z } from "zod";
-import { ChatActionSchema, CommercialActionSchema } from "@/data/schemas/chat";
+import {
+  ChatActionSchema,
+  CommercialActionSchema,
+  PaymentGuidanceSchema,
+} from "@/data/schemas/chat";
 
 export const UiMessageSchema = z.object({
   displayId: z.string().min(1),
@@ -19,6 +23,7 @@ export const UiMessageSchema = z.object({
   privateMessageHint: z.string().nullable().optional(),
   commercialAction: CommercialActionSchema.nullable().optional(),
   chatAction: ChatActionSchema.nullable().optional(),
+  paymentGuidance: PaymentGuidanceSchema.nullable().optional(),
 });
 
 export type UiMessage = z.infer<typeof UiMessageSchema>;

src/stores/private-zone-posts/private-zone-post-machine.ts

@@ -203,6 +203,9 @@ export const privateZonePostMachine = machineSetup.createMachine({
                 currentCredits:
                   event.output.currentCredits || event.output.creditBalance,
                 shortfallCredits: event.output.shortfallCredits,
+                ...(event.output.paymentGuidance
+                  ? { paymentGuidance: event.output.paymentGuidance }
+                  : {}),
               },
             })),
           },

src/stores/private-zone-posts/private-zone-post-state.ts

@@ -1,4 +1,5 @@
 import type { PrivateZoneVideoPost } from "@/data/schemas/private-zone";
+import type { PaymentGuidance } from "@/data/schemas/chat";
 
 export interface PrivateZonePostPaywallRequest {
   postId: string;
@@ -6,6 +7,7 @@ export interface PrivateZonePostPaywallRequest {
   requiredCredits: number;
   currentCredits: number;
   shortfallCredits: number;
+  paymentGuidance?: PaymentGuidance | null;
 }
 
 export interface PrivateZonePostState {

src/stores/private-zone/helper/unlock.ts

@@ -37,5 +37,8 @@ export function toPaywallRequest(
     requiredCredits: response.requiredCredits || response.unlockCost,
     currentCredits: response.creditBalance,
     shortfallCredits: response.shortfallCredits,
+    ...(response.paymentGuidance
+      ? { paymentGuidance: response.paymentGuidance }
+      : {}),
   };
 }

src/stores/private-zone/private-zone-state.ts

@@ -1,5 +1,6 @@
 import { DEFAULT_CHARACTER_ID } from "@/data/constants/character";
 import type { PrivateAlbum } from "@/data/schemas/private-zone";
+import type { PaymentGuidance } from "@/data/schemas/chat";
 
 export interface PrivateZoneUnlockPaywallRequest {
   albumId: string;
@@ -7,6 +8,7 @@ export interface PrivateZoneUnlockPaywallRequest {
   requiredCredits: number;
   currentCredits: number;
   shortfallCredits: number;
+  paymentGuidance?: PaymentGuidance | null;
 }
 
 export interface PrivateZoneState {