diff --git a/src/api/goldCredit.ts b/src/api/goldCredit.ts
new file mode 100644
index 0000000..082cece
--- /dev/null
+++ b/src/api/goldCredit.ts
@@ -0,0 +1,111 @@
+import useAxios from '@core/utils/useAxios'
+import type { TableInput } from '@core/type/baseTable'
+
+export interface GoldCreditForm {
+  customer_id?: number
+  gold_amount?: number
+  months?: number
+  interest_type?: 'none' | 'percent' | 'fixed_gram'
+  interest_value?: number
+  delivery_method?: 'auto' | 'manual' | 'in_person'
+  notes?: string
+  has_check?: boolean
+  has_contract?: boolean
+  check_note?: string
+  contract_note?: string
+  penalty_type?: 'rial' | 'gold'
+  penalty_amount?: number
+  grace_hours?: number
+}
+
+export interface GoldCreditInstallment {
+  id: number
+  installment_number: number
+  due_date: string
+  amount_soot: number
+  principal_gold: number
+  interest_gold: number
+  total_gold: number
+  paid_gold: number
+  paid_rial: number
+  status: 'pending' | 'paid' | 'partial' | 'overdue' | 'prepaid'
+  paid_at?: string
+  penalty_days?: number
+  penalty_rial?: number
+  penalty_gold?: number
+}
+
+export interface GoldCredit {
+  id: number
+  customer_id: number
+  gold_amount: number
+  months: number
+  interest_type: 'none' | 'percent' | 'fixed_gram'
+  interest_value: number
+  delivery_method: 'auto' | 'manual' | 'in_person'
+  status: string
+  source: string
+  total_interest_gold: number
+  total_payable_gold: number
+  paid_gold: number
+  paid_rial: number
+  notes?: string
+  has_check?: boolean
+  has_contract?: boolean
+  check_note?: string
+  contract_note?: string
+  penalty_type?: 'rial' | 'gold'
+  penalty_amount?: number
+  grace_hours?: number
+  customer?: { id: number; name: string; mobile: string }
+  installments?: GoldCreditInstallment[]
+}
+
+export interface GoldCreditRequest {
+  id: number
+  customer_id: number
+  requested_gold: number
+  requested_months?: number
+  note?: string
+  status: 'pending' | 'approved' | 'rejected'
+  admin_note?: string
+  customer?: { id: number; name: string; mobile: string }
+}
+
+export const createGoldCredit = async (data: GoldCreditForm) =>
+  await useAxios.post<GoldCredit>('/admin/gold_credit', data)
+
+export const updateGoldCredit = async (id: number, data: Partial<GoldCreditForm> & { status?: string }) =>
+  await useAxios.put<GoldCredit>(`/admin/gold_credit/${id}`, data)
+
+export const previewGoldCredit = async (data: GoldCreditForm) =>
+  await useAxios.post<{ installments: GoldCreditInstallment[]; total_payable_gold: number }>(
+    '/admin/gold_credit/preview',
+    data
+  )
+
+export const getGoldCreditTable = async (params: TableInput) =>
+  await useAxios.post('/admin/gold_credit/table', params)
+
+export const getGoldCreditRequestsTable = async (params: TableInput) =>
+  await useAxios.post('/admin/gold_credit/requests/table', params)
+
+export const getCustomerGoldCreditInstallments = async (customerId: number) =>
+  await useAxios.post<{ rows: GoldCreditInstallment[]; credit: GoldCredit | null }>(
+    `/admin/customers/${customerId}/gold_credit/installments`,
+    {}
+  )
+
+export const approveGoldCreditRequest = async (id: number, data: GoldCreditForm) =>
+  await useAxios.post<GoldCredit>(`/admin/gold_credit/requests/${id}/approve`, data)
+
+export const rejectGoldCreditRequest = async (id: number, adminNote?: string) =>
+  await useAxios.post(`/admin/gold_credit/requests/${id}/reject`, { admin_note: adminNote })
+
+export const payGoldCreditInstallments = async (data: {
+  gold_credit_id: number
+  installment_ids: number[]
+  pay_method: 'gold' | 'rial' | 'mixed'
+  gold_amount?: number
+  rial_amount?: number
+}) => await useAxios.post('/admin/gold_credit/installments/pay', data)
diff --git a/src/pages/menuPages/configuration/index.vue b/src/pages/menuPages/configuration/index.vue
index 12d0c5e..b1d192b 100644
--- a/src/pages/menuPages/configuration/index.vue
+++ b/src/pages/menuPages/configuration/index.vue
@@ -209,7 +209,7 @@ import SettingValueField from './SettingValueField.vue'
 import SettingCard from './SettingCard.vue'
 import { refreshAppModeMenu } from '@/router'
 import { useUserStore } from '@/store/userStore'
-import { applyBannerEnabledFromRows, applyTrackingSystemsEnabledFromRows, applyConditionalOrderEnabledFromRows, applyAutomationEnabledFromRows, applyProductFundsEnabledFromRows, applyPriceTriggerEnabledFromRows, applyAppNotificationEnabledFromRows, applyPriceProviderFromRows, applyPriceChannelAccessFromRows, applySupportChatMenuEnabledFromRows, applyGroupSmsFromRows, applyCustomerSpecialPricingFromRows, applyCustomerDirectSmsFromRows, applyCustomerLevelProfitEnabledFromRows, applySuperAdminAccessFlagsFromItems, invalidateSettingsBootstrap, setBannerEnabledFromSettings, setConditionalOrderEnabledFromSettings, setAutomationEnabledFromSettings, setProductFundsEnabledFromSettings, setPriceTriggerEnabledFromSettings, setAppNotificationEnabledFromSettings, setPriceProviderFromSettings, setPriceChannelAccessFromSettings, setStoreModeFromSettings, setTrackingSystemsEnabledFromSettings, setGroupSmsEnabledFromSettings, setCustomerSpecialPricingEnabledFromSettings } from '@/utils/config'
+import { applyBannerEnabledFromRows, applyTrackingSystemsEnabledFromRows, applyConditionalOrderEnabledFromRows, applyAutomationEnabledFromRows, applyProductFundsEnabledFromRows, applyPriceTriggerEnabledFromRows, applyAppNotificationEnabledFromRows, applyPriceProviderFromRows, applyPriceChannelAccessFromRows, applySupportChatMenuEnabledFromRows, applyGroupSmsFromRows, applyCustomerSpecialPricingFromRows, applyGoldCreditEnabledFromRows, applyCustomerDirectSmsFromRows, applyCustomerLevelProfitEnabledFromRows, applySuperAdminAccessFlagsFromItems, invalidateSettingsBootstrap, setBannerEnabledFromSettings, setConditionalOrderEnabledFromSettings, setAutomationEnabledFromSettings, setProductFundsEnabledFromSettings, setPriceTriggerEnabledFromSettings, setAppNotificationEnabledFromSettings, setPriceProviderFromSettings, setPriceChannelAccessFromSettings, setStoreModeFromSettings, setTrackingSystemsEnabledFromSettings, setGroupSmsEnabledFromSettings, setCustomerSpecialPricingEnabledFromSettings, setGoldCreditEnabledFromSettings } from '@/utils/config'
 import {
   EDITABLE_SETTING_GROUPS,
   SYSTEM_SETTING_GROUPS,
@@ -498,13 +498,12 @@ async function pullSuperAdminAndApplyFlags(): Promise<{
   ok: boolean
   message?: string
   count?: number
+  meta?: { channel?: string; origin?: string; domain?: string }
+  items?: Record<string, string>
 }> {
   invalidateSettingsBootstrap()
   const res = await refreshSuperAdminSettings()
-  if (res?.items && typeof res.items === 'object') {
-    applySuperAdminAccessFlagsFromItems(res.items)
-  }
-  // get_settings کامل — فلگ منو و کارت‌ها با مقدار زنده هم‌تراز شوند
+  // get_settings کامل — فلگ‌های غیرسوپرادمین و قیمت
   try {
     const { getConfiguration } = await import('@/api/configuration')
     const all = await getConfiguration()
@@ -513,23 +512,50 @@ async function pullSuperAdminAndApplyFlags(): Promise<{
     applyPriceProviderFromRows(rows)
     applyPriceChannelAccessFromRows(rows)
   } catch {
-    /* فلگ از items می‌ماند */
+    /* در ادامه از items همگام استفاده می‌شود */
+  }
+  // items پاسخ refresh منبع حقیقت است — آخر اعمال شود تا get_settings کهنه/دامنهٔ اشتباه فلگ را خاموش نکند
+  if (res?.items && typeof res.items === 'object') {
+    applySuperAdminAccessFlagsFromItems(res.items)
   }
   return {
     ok: res?.ok !== false,
     message: res?.message,
-    count: res?.count
+    count: res?.count,
+    meta: res?.meta,
+    items: res?.items
   }
 }
 
+function syncSuccessMessage(res: {
+  message?: string
+  count?: number
+  meta?: { channel?: string; origin?: string; domain?: string }
+  items?: Record<string, string>
+}): string {
+  const base = res?.message || `همگام شد (${res?.count ?? 0} کلید دسترسی از سوپرادمین)`
+  const domain = String(res?.meta?.domain || '').trim()
+  const csp = res?.items && typeof res.items === 'object' && !Array.isArray(res.items)
+    ? String((res.items as Record<string, string>).customer_special_pricing ?? '')
+    : ''
+  const bits = [base]
+  if (domain) bits.push(`دامنه: ${domain}`)
+  if (csp !== '') bits.push(`قیمت ویژه: ${csp}`)
+  return bits.join(' — ')
+}
+
 async function refreshFromSuperAdmin() {
   if (refreshingSuperAdmin.value) return
   refreshingSuperAdmin.value = true
   try {
     const res = await pullSuperAdminAndApplyFlags()
     await initConfig()
+    // دوباره items را بعد از initConfig (که ممکن است get_settings ناقص بخواند) اعمال کن
+    if (res?.items && typeof res.items === 'object') {
+      applySuperAdminAccessFlagsFromItems(res.items)
+    }
     refreshMenuAfterStoreChange()
-    message.success(res?.message || `همگام شد (${res?.count ?? 0} کلید دسترسی از سوپرادمین)`)
+    message.success(syncSuccessMessage(res))
   } catch (e: any) {
     console.error(e)
     const msg = e?.response?.data?.message || e?.message || 'همگام‌سازی از سوپرادمین ناموفق بود'
@@ -546,8 +572,11 @@ async function onRefreshClick() {
   try {
     const res = await pullSuperAdminAndApplyFlags()
     await initConfig()
+    if (res?.items && typeof res.items === 'object') {
+      applySuperAdminAccessFlagsFromItems(res.items)
+    }
     refreshMenuAfterStoreChange()
-    message.success(res?.message || 'بروزرسانی شد')
+    message.success(syncSuccessMessage(res))
   } catch (e: any) {
     console.error(e)
     const msg = e?.response?.data?.message || e?.message || 'همگام‌سازی از سوپرادمین ناموفق بود'
@@ -580,6 +609,7 @@ async function initConfig() {
     applySupportChatMenuEnabledFromRows(baseData.value)
     applyGroupSmsFromRows(baseData.value)
     applyCustomerSpecialPricingFromRows(baseData.value)
+    applyGoldCreditEnabledFromRows(baseData.value)
     // صفحهٔ عادی price_provider ندارد (can_edit=0) — همیشه از get_settings کامل بخوان
     if (
       !isSystemMode.value ||
@@ -587,7 +617,8 @@ async function initConfig() {
       !baseData.value.some((row) => row.key === 'show_to_users_chat') ||
       !baseData.value.some((row) => row.key === 'price_channel_access') ||
       !baseData.value.some((row) => row.key === 'group_sms') ||
-      !baseData.value.some((row) => row.key === 'customer_special_pricing')
+      !baseData.value.some((row) => row.key === 'customer_special_pricing') ||
+      !baseData.value.some((row) => row.key === 'enable_gold_credit')
     ) {
       try {
         const { getConfiguration } = await import('@/api/configuration')
@@ -598,6 +629,7 @@ async function initConfig() {
         applyPriceChannelAccessFromRows(rows)
         applyGroupSmsFromRows(rows)
         applyCustomerSpecialPricingFromRows(rows)
+        applyGoldCreditEnabledFromRows(rows)
       } catch {
         /* کش قبلی می‌ماند */
       }
@@ -677,6 +709,9 @@ function syncMenuFlagsFromSetting(key: string | undefined, value: string) {
   if (key === 'customer_special_pricing') {
     setCustomerSpecialPricingEnabledFromSettings(isSwitchOn(value))
   }
+  if (key === 'enable_gold_credit') {
+    setGoldCreditEnabledFromSettings(isSwitchOn(value))
+  }
 }
 
 function onValueChange(row: Const, value: string) {
diff --git a/src/pages/menuPages/configuration/settingGroups.ts b/src/pages/menuPages/configuration/settingGroups.ts
index 76bbe04..59b3fd5 100644
--- a/src/pages/menuPages/configuration/settingGroups.ts
+++ b/src/pages/menuPages/configuration/settingGroups.ts
@@ -45,6 +45,12 @@ export const EDITABLE_SETTING_GROUPS: SettingGroupDef[] = [
     icon: 'vuesax-linear:lock',
     match: (k) => /^(min_|minimum_|balance_report_exclude)/.test(k)
   },
+  {
+    id: 'gold_credit',
+    title: 'اعتبار طلایی',
+    icon: 'vuesax-linear:medal-star',
+    match: (k) => k.startsWith('gold_credit_')
+  },
   {
     id: 'price_source',
     title: 'منبع قیمت و تابلو',
@@ -152,7 +158,7 @@ export const SYSTEM_SETTING_GROUPS: SettingGroupDef[] = [
     icon: 'vuesax-linear:people',
     // فقط فلگ‌های مالک سوپرادمین — banner/tracking/نمایش محصول در «تنظیمات» عادی‌اند
     match: (k) =>
-      /^(enable_automation|enable_conditional_order|enable_product_funds|has_page_price_trigger|has_page_notification|has_page_gift_card|enable_customer_level_profit|jibit_enabled|customer_direct_sms|has_page_earn_money|group_sms|customer_special_pricing|permision__enabled|show_to_users_chat)$/.test(
+      /^(enable_automation|enable_conditional_order|enable_product_funds|has_page_price_trigger|has_page_notification|has_page_gift_card|enable_customer_level_profit|jibit_enabled|customer_direct_sms|has_page_earn_money|group_sms|customer_special_pricing|enable_gold_credit|permision__enabled|show_to_users_chat)$/.test(
         k
       )
   },
diff --git a/src/pages/menuPages/configuration/settingTypes.ts b/src/pages/menuPages/configuration/settingTypes.ts
index 4d652c7..adc96a4 100644
--- a/src/pages/menuPages/configuration/settingTypes.ts
+++ b/src/pages/menuPages/configuration/settingTypes.ts
@@ -194,6 +194,7 @@ export function isCodeManagedSettingKey(key?: string | null): boolean {
 export const SUPERADMIN_OWNED_SETTING_KEYS = new Set([
   'customer_direct_sms',
   'customer_special_pricing',
+  'enable_gold_credit',
   'enable_automation',
   'enable_conditional_order',
   'enable_customer_level_profit',
@@ -366,6 +367,22 @@ const KEY_TYPE_FALLBACK: Record<string, SettingFieldType> = {
   sms_notif_support_admin: 'switch',
   group_sms: 'switch',
   customer_special_pricing: 'switch',
+  enable_gold_credit: 'switch',
+  gold_credit_overdue_sms_enabled: 'switch',
+  gold_credit_admin_sms_enabled: 'switch',
+  gold_credit_upcoming_sms_enabled: 'switch',
+  gold_credit_pay_gold_enabled: 'switch',
+  gold_credit_pay_rial_enabled: 'switch',
+  gold_credit_pay_mixed_enabled: 'switch',
+  gold_credit_penalty_amount: 'number',
+  gold_credit_grace_hours: 'number',
+  gold_credit_default_months: 'number',
+  gold_credit_min_balance_gram: 'number',
+  gold_credit_overdue_sms_text: 'longtext',
+  gold_credit_info_text: 'longtext',
+  gold_credit_request_success_text: 'longtext',
+  gold_credit_tiers: 'longtext',
+  gold_credit_penalty_type: 'select',
   montzar_closed: 'switch',
   montzar_open_buy: 'switch',
   montzar_open_sell: 'switch',
@@ -443,6 +460,10 @@ const SELECT_LABELS_BY_KEY: Record<string, Record<string, string>> = {
     tahesab: 'ته‌حساب',
     zarin: 'زرین'
   },
+  gold_credit_penalty_type: {
+    rial: 'ریالی',
+    gold: 'طلایی',
+  },
   support_messenger: {
     bale: 'بله',
     telegram: 'تلگرام',
@@ -462,6 +483,7 @@ const SELECT_LABELS_BY_KEY: Record<string, Record<string, string>> = {
 
 const SELECT_OPTIONS_BY_KEY: Record<string, string> = {
   accounting_provider: 'none,pargar,tahesab,zarin',
+  gold_credit_penalty_type: 'rial,gold',
   price_provider: 'montzar,zaarbox,main_product',
   payping_gateway_name: 'sepal,',
   external_payment_gateway: 'zarinpall,zibal,payping,sepal',
@@ -883,6 +905,8 @@ const KEY_HELP_FALLBACK: Record<string, string> = {
     'روشن: وقتی مشتری اولین پیام خوانده‌نشده را در چت پشتیبانی می‌فرستد و ادمین همان گفتگو را باز و visible ندارد، پیامک به ادمین‌های دارای «ارسال پیامک» می‌رود. خاموش: اعلان پیامک چت نمی‌رود.',
   group_sms:
     'روشن: دکمه ارسال پیامک گروهی در پنل ادمین فعال است (ارسال ۱۰تایی). خاموش: ارسال پیامک گروهی غیرفعال است. فقط از تنظیمات پیشرفته.',
+  enable_gold_credit:
+    'روشن: زیرمنوی اعتبار در مشتریان و صفحه اعتبار در اپ مشتری فعال می‌شود. خاموش: غیرفعال. فقط از سوپرادمین قابل تغییر است.',
   customer_special_pricing:
     'روشن: زیرمنوی قیمت ویژه در مشتریان و اعمال سود خرید/فروش پکیج روی مظنه و سفارش برای کاربران انتخاب‌شده. خاموش: غیرفعال. فقط از دیپلوی قابل تغییر است.',
   profit_gold_api_enabled:
@@ -1049,6 +1073,22 @@ export const KEY_LABEL_FALLBACK: Record<string, string> = {
   open_register: 'ثبت‌نام باز',
   sms_panel: 'پنل پیامک (کیف پول)',
   customer_direct_sms: 'پیامک تکی به مشتری از لیست',
+  enable_gold_credit: 'اعتبار طلایی',
+  gold_credit_penalty_type: 'نوع جریمه اعتبار طلایی',
+  gold_credit_penalty_amount: 'مبلغ جریمه روزانه اعتبار طلایی',
+  gold_credit_grace_hours: 'مهلت پرداخت بعد از سررسید (ساعت)',
+  gold_credit_default_months: 'تعداد ماه پیش‌فرض اعتبار طلایی',
+  gold_credit_min_balance_gram: 'حداقل موجودی طلا برای درخواست (گرم)',
+  gold_credit_overdue_sms_enabled: 'SMS هشدار سررسید اعتبار طلایی',
+  gold_credit_admin_sms_enabled: 'پیامک ادمین اعتبار طلایی',
+  gold_credit_upcoming_sms_enabled: 'یادآوری سررسید قسط اعتبار',
+  gold_credit_pay_gold_enabled: 'پرداخت اقساط با طلا',
+  gold_credit_pay_rial_enabled: 'پرداخت اقساط با ریال',
+  gold_credit_pay_mixed_enabled: 'پرداخت اقساط ترکیبی',
+  gold_credit_overdue_sms_text: 'متن SMS سررسید اعتبار طلایی',
+  gold_credit_info_text: 'متن راهنمای اعتبار طلایی',
+  gold_credit_request_success_text: 'متن پس از ثبت درخواست اعتبار',
+  gold_credit_tiers: 'سطوح اعتبار طلایی (JSON)',
   customer_special_pricing: 'قیمت ویژه مشتری',
   charge_notif: 'پیامک شارژ ادمین',
   sms_notif_order_admin: 'پیامک خرید/فروش به ادمین',
@@ -1157,6 +1197,7 @@ export const SETTING_LOCKED_KEYS = new Set([
   'referral_bonus_amount',
   'group_sms',
   'customer_special_pricing',
+  'enable_gold_credit',
   'customer_direct_sms',
   'enable_automation',
   'enable_conditional_order',
diff --git a/src/pages/menuPages/customers/base/components/goldCreditDetailModal.vue b/src/pages/menuPages/customers/base/components/goldCreditDetailModal.vue
new file mode 100644
index 0000000..362b542
--- /dev/null
+++ b/src/pages/menuPages/customers/base/components/goldCreditDetailModal.vue
@@ -0,0 +1,199 @@
+<template>
+  <BasicModal
+    v-model:visible="modalVisible"
+    title="جزئیات اعتبار طلایی"
+    width="52rem"
+    ok-text="بستن"
+    @ok="modalVisible = false"
+  >
+    <a-spin :spinning="loading">
+      <template v-if="credit">
+        <div class="flex flex-wrap gap-2 mb-4 text-sm">
+          <span v-if="displayName" class="bg-amber-50 text-amber-900 px-3 py-1.5 rounded-full font-medium">
+            {{ displayName }}
+          </span>
+          <span class="bg-amber-50 text-amber-800 px-3 py-1.5 rounded-full font-medium">
+            اعتبار: {{ credit.gold_amount }} گرم
+          </span>
+          <span class="bg-blue-50 text-blue-800 px-3 py-1.5 rounded-full font-medium">
+            {{ credit.months }} ماه
+          </span>
+          <span class="px-3 py-1.5 rounded-full font-medium" :class="statusClass(credit.status)">
+            {{ statusLabel(credit.status) }}
+          </span>
+          <span class="bg-slate-100 text-slate-700 px-3 py-1.5 rounded-full font-medium">
+            پرداخت‌شده: {{ Number(credit.paid_gold ?? 0).toFixed(4) }} گرم
+          </span>
+          <span
+            v-if="Number(credit.paid_rial) > 0"
+            class="bg-slate-100 text-slate-700 px-3 py-1.5 rounded-full font-medium"
+          >
+            {{ Number(credit.paid_rial).toLocaleString('fa-IR') }} ریال
+          </span>
+          <span
+            v-if="credit.has_check"
+            class="bg-emerald-50 text-emerald-800 px-3 py-1.5 rounded-full font-medium"
+          >
+            چک دریافت شد
+          </span>
+          <span
+            v-if="credit.has_contract"
+            class="bg-indigo-50 text-indigo-800 px-3 py-1.5 rounded-full font-medium"
+          >
+            قرارداد بسته شد
+          </span>
+        </div>
+
+        <div
+          v-if="credit.penalty_type"
+          class="mb-4 text-sm text-amber-900 bg-amber-50/80 border border-amber-100 rounded-xl px-3 py-2"
+        >
+          جریمه دیرکرد:
+          {{
+            credit.penalty_type === 'gold'
+              ? `${credit.penalty_amount} گرم در روز`
+              : `${Number(credit.penalty_amount || 0).toLocaleString('fa-IR')} ریال در روز`
+          }}
+          · مهلت {{ credit.grace_hours ?? 24 }} ساعت
+        </div>
+
+        <div v-if="credit.notes" class="mb-4 text-sm text-gray-600 bg-gray-50 rounded-xl px-3 py-2">
+          <span class="font-medium text-gray-800">یادداشت: </span>{{ credit.notes }}
+        </div>
+
+        <div class="font-bold text-sm mb-2 text-gray-700">اقساط</div>
+        <a-table
+          :columns="detailColumns"
+          :data-source="installments"
+          :pagination="false"
+          size="small"
+          bordered
+          row-key="id"
+        >
+          <template #bodyCell="{ column, record: row }">
+            <template v-if="column.key === 'amount_soot'">
+              {{ row.amount_soot?.toLocaleString('fa-IR') }} سوت
+            </template>
+            <template v-else-if="column.key === 'due_date'">
+              {{ toJalaliNoTime(row.due_date) }}
+            </template>
+            <template v-else-if="column.key === 'status'">
+              <CustomTag
+                :textColor="instStatusStyle(row.status).textColor"
+                :bgColor="instStatusStyle(row.status).bgColor"
+                class="px-2"
+              >
+                {{ instStatusStyle(row.status).text }}
+              </CustomTag>
+            </template>
+            <template v-else-if="column.key === 'paid_at'">
+              {{ row.paid_at ? toJalaliNoTime(row.paid_at) : '—' }}
+            </template>
+            <template v-else-if="column.key === 'penalty'">
+              <span v-if="!row.penalty_days && !row.penalty_rial && !row.penalty_gold">—</span>
+              <span v-else class="text-xs text-red-700">
+                <span v-if="row.penalty_days">{{ row.penalty_days }} روز</span>
+                <span v-if="row.penalty_rial">
+                  {{ row.penalty_days ? ' · ' : '' }}{{ Number(row.penalty_rial).toLocaleString('fa-IR') }} ریال
+                </span>
+              </span>
+            </template>
+          </template>
+        </a-table>
+      </template>
+      <div v-else-if="!loading" class="text-center text-gray-500 py-8">
+        اطلاعات اعتبار یافت نشد
+      </div>
+    </a-spin>
+  </BasicModal>
+</template>
+
+<script setup lang="ts">
+import { computed, ref, watch } from 'vue'
+import { getCustomerGoldCreditInstallments, type GoldCredit, type GoldCreditInstallment } from '@/api/goldCredit'
+import { toJalaliNoTime } from '@core/utils/useDataTime'
+import CustomTag from '@/components/CustomTag.vue'
+
+const props = defineProps<{
+  visible?: boolean
+  customerId?: number
+  customerName?: string
+}>()
+
+const emit = defineEmits<{ (e: 'update:visible', value: boolean): void }>()
+
+const modalVisible = computed({
+  get: () => props.visible ?? false,
+  set: (value: boolean) => emit('update:visible', value),
+})
+
+const loading = ref(false)
+const credit = ref<GoldCredit | null>(null)
+const installments = ref<GoldCreditInstallment[]>([])
+
+const displayName = computed(() => props.customerName ?? credit.value?.customer?.name ?? '')
+
+const detailColumns = [
+  { title: 'قسط', dataIndex: 'installment_number', key: 'installment_number', align: 'center' as const },
+  { title: 'مبلغ (سوت)', dataIndex: 'amount_soot', key: 'amount_soot', align: 'center' as const },
+  { title: 'سررسید', dataIndex: 'due_date', key: 'due_date', align: 'center' as const },
+  { title: 'وضعیت', dataIndex: 'status', key: 'status', align: 'center' as const },
+  { title: 'پرداخت', dataIndex: 'paid_at', key: 'paid_at', align: 'center' as const },
+  { title: 'جریمه', dataIndex: 'penalty', key: 'penalty', align: 'center' as const },
+]
+
+const instStatusStyles: Record<string, { text: string; textColor: string; bgColor: string }> = {
+  pending: { text: 'در انتظار', textColor: '#c2410c', bgColor: '#ffedd5' },
+  paid: { text: 'پرداخت شده', textColor: '#15803d', bgColor: '#dcfce7' },
+  prepaid: { text: 'پیش‌پرداخت', textColor: '#1d4ed8', bgColor: '#dbeafe' },
+  overdue: { text: 'معوق', textColor: '#b91c1c', bgColor: '#fee2e2' },
+  partial: { text: 'ناقص', textColor: '#a16207', bgColor: '#fef9c3' },
+}
+
+function instStatusStyle(s: string) {
+  return (
+    instStatusStyles[s] ?? {
+      text: s,
+      textColor: '#374151',
+      bgColor: '#f3f4f6',
+    }
+  )
+}
+
+function statusLabel(s: string) {
+  const map: Record<string, string> = {
+    active: 'فعال',
+    completed: 'تسویه شده',
+    cancelled: 'لغو شده',
+    pending: 'در انتظار',
+  }
+  return map[s] ?? s
+}
+
+function statusClass(s: string) {
+  const map: Record<string, string> = {
+    active: 'bg-green-50 text-green-800',
+    completed: 'bg-blue-50 text-blue-800',
+    cancelled: 'bg-red-50 text-red-800',
+    pending: 'bg-orange-50 text-orange-800',
+  }
+  return map[s] ?? 'bg-gray-100 text-gray-600'
+}
+
+watch(
+  () => props.visible,
+  async (open) => {
+    if (!open || !props.customerId) return
+    loading.value = true
+    credit.value = null
+    installments.value = []
+    try {
+      const res = await getCustomerGoldCreditInstallments(props.customerId)
+      credit.value = res.credit
+      installments.value = res.rows ?? []
+    } finally {
+      loading.value = false
+    }
+  }
+)
+</script>
diff --git a/src/pages/menuPages/customers/base/components/goldCreditInstallmentsTable.vue b/src/pages/menuPages/customers/base/components/goldCreditInstallmentsTable.vue
new file mode 100644
index 0000000..51b0105
--- /dev/null
+++ b/src/pages/menuPages/customers/base/components/goldCreditInstallmentsTable.vue
@@ -0,0 +1,99 @@
+<template>
+  <div>
+    <div class="flex justify-between items-center mb-4 flex-wrap gap-2">
+      <div v-if="creditSummary" class="flex gap-2 flex-wrap text-sm">
+        <span class="bg-amber-50 text-amber-800 px-3 py-1 rounded-full font-medium">
+          اعتبار: {{ creditSummary.gold_amount }} گرم
+        </span>
+        <span class="bg-blue-50 text-blue-800 px-3 py-1 rounded-full font-medium">
+          {{ creditSummary.months }} ماه
+        </span>
+        <span
+          class="px-3 py-1 rounded-full font-medium"
+          :class="
+            creditSummary.status === 'active'
+              ? 'bg-green-50 text-green-800'
+              : 'bg-gray-100 text-gray-600'
+          "
+        >
+          {{ statusLabel(creditSummary.status) }}
+        </span>
+        <span
+          v-if="creditSummary.has_check"
+          class="bg-emerald-50 text-emerald-800 px-3 py-1 rounded-full font-medium"
+        >
+          چک گرفته شد
+        </span>
+        <span
+          v-if="creditSummary.has_contract"
+          class="bg-indigo-50 text-indigo-800 px-3 py-1 rounded-full font-medium"
+        >
+          قرارداد بسته شد
+        </span>
+        <span
+          v-if="creditSummary.penalty_type"
+          class="bg-red-50 text-red-800 px-3 py-1 rounded-full font-medium"
+        >
+          جریمه:
+          {{
+            creditSummary.penalty_type === 'gold'
+              ? `${creditSummary.penalty_amount} گرم/روز`
+              : `${Number(creditSummary.penalty_amount || 0).toLocaleString('fa-IR')} ریال/روز`
+          }}
+          · مهلت {{ creditSummary.grace_hours ?? 24 }}س
+        </span>
+      </div>
+      <BaseButton type="primary" size="small" class="flex mr-auto" @click="emits('assign')">
+        <div>تعیین اعتبار طلایی</div>
+        <BaseIcon icon="vuesax-linear:medal-star" Size="16px" />
+      </BaseButton>
+    </div>
+    <BasicShowContext title="لیست اقساط">
+      <BaseTable v-bind="tblProps" @register="submit" ref="tbl" />
+    </BasicShowContext>
+  </div>
+</template>
+
+<script lang="tsx" setup>
+import type { TableInput } from '@core/type/baseTable'
+import useBaseTable from '@core/components/BaseTable/hooks/useBaseTable'
+import { cols } from '@/pages/menuPages/customers/base/hooks/goldCreditColumns'
+import { getCustomerGoldCreditInstallments, type GoldCredit } from '@/api/goldCredit'
+
+const [submit, reload] = useBaseTable()
+
+interface Prop {
+  customerId?: number
+}
+
+const emits = defineEmits(['assign'])
+const props = defineProps<Prop>()
+
+const creditSummary = ref<GoldCredit | null>(null)
+const table = ref(null)
+
+const tblProps = ref<any>({
+  columns: cols,
+  pagination: false,
+  api: async () => {
+    if (!props.customerId) return { rows: [], total: 0 }
+    const res = await getCustomerGoldCreditInstallments(props.customerId)
+    creditSummary.value = res.credit
+    return { rows: res.rows ?? [], total: res.rows?.length ?? 0 }
+  },
+})
+
+const statusLabel = (s: string) => {
+  const map: Record<string, string> = {
+    active: 'فعال',
+    completed: 'تسویه شده',
+    cancelled: 'لغو شده',
+    pending: 'در انتظار',
+  }
+  return map[s] ?? s
+}
+
+const fetch = () => reload()
+
+defineExpose({ fetch })
+</script>
diff --git a/src/pages/menuPages/customers/base/components/goldCreditModal.vue b/src/pages/menuPages/customers/base/components/goldCreditModal.vue
new file mode 100644
index 0000000..c21e0ef
--- /dev/null
+++ b/src/pages/menuPages/customers/base/components/goldCreditModal.vue
@@ -0,0 +1,335 @@
+<template>
+  <BasicModal
+    v-model:visible="modalVisible"
+    :title="modalTitle"
+    width="40rem"
+    :loading="loading"
+    :confirm-loading="loading"
+    :ok-text="props.mode === 'approve' ? 'تأیید و ایجاد اعتبار' : 'ثبت'"
+    @ok="submit"
+    @close="close"
+  >
+    <a-form :model="form" ref="formRef" autocomplete="off" layout="vertical">
+      <div class="grid md:grid-cols-2 gap-3">
+        <a-form-item label="مقدار طلا (گرم)" name="gold_amount" :rules="inputRules('مقدار طلا')">
+          <BasicInput v-model:value="form.gold_amount" type="number" @change="loadPreview" />
+        </a-form-item>
+        <a-form-item label="تعداد ماه" name="months" :rules="inputRules('تعداد ماه')">
+          <BasicInput v-model:value="form.months" type="number" @change="loadPreview" />
+        </a-form-item>
+        <a-form-item label="نوع سود" name="interest_type">
+          <BasicSelect
+            v-model:value="form.interest_type"
+            :items="interestTypes"
+            valueName="value"
+            keyName="key"
+            @change="loadPreview"
+          />
+        </a-form-item>
+        <a-form-item
+          v-if="form.interest_type !== 'none'"
+          label="مقدار سود"
+          name="interest_value"
+          :rules="inputRules('مقدار سود')"
+        >
+          <BasicInput
+            v-model:value="form.interest_value"
+            type="number"
+            :addon-before="form.interest_type === 'percent' ? '%' : 'گرم'"
+            @change="loadPreview"
+          />
+        </a-form-item>
+        <a-form-item label="روش تحویل" name="delivery_method" class="md:col-span-2">
+          <BasicSelect
+            v-model:value="form.delivery_method"
+            :items="deliveryMethods"
+            valueName="value"
+            keyName="key"
+          />
+        </a-form-item>
+      </div>
+
+      <div class="mt-2 mb-1 font-bold text-sm text-gray-700">ضمانت</div>
+      <div class="grid md:grid-cols-2 gap-3 rounded-xl bg-slate-50 p-3 border border-slate-100">
+        <a-form-item label="چک ضمانت دریافت شد" name="has_check">
+          <a-switch v-model:checked="form.has_check" checked-children="بله" un-checked-children="خیر" />
+        </a-form-item>
+        <a-form-item label="قرارداد بسته شد" name="has_contract">
+          <a-switch
+            v-model:checked="form.has_contract"
+            checked-children="بله"
+            un-checked-children="خیر"
+          />
+        </a-form-item>
+        <a-form-item label="جزئیات چک" name="check_note">
+          <BasicInput v-model:value="form.check_note" place-holder="شماره / بانک / ..." />
+        </a-form-item>
+        <a-form-item label="جزئیات قرارداد" name="contract_note">
+          <BasicInput v-model:value="form.contract_note" place-holder="شماره قرارداد / تاریخ" />
+        </a-form-item>
+      </div>
+
+      <div class="mt-3 mb-1 font-bold text-sm text-gray-700">جریمه دیرکرد (قابل تنظیم برای این اعتبار)</div>
+      <div class="grid md:grid-cols-3 gap-3 rounded-xl bg-amber-50/60 p-3 border border-amber-100">
+        <a-form-item label="نوع جریمه" name="penalty_type">
+          <BasicSelect
+            v-model:value="form.penalty_type"
+            :items="penaltyTypes"
+            valueName="value"
+            keyName="key"
+          />
+        </a-form-item>
+        <a-form-item label="مبلغ روزانه" name="penalty_amount">
+          <BasicInput
+            v-model:value="form.penalty_amount"
+            type="number"
+            :addon-before="form.penalty_type === 'gold' ? 'گرم' : 'ریال'"
+          />
+        </a-form-item>
+        <a-form-item label="مهلت بعد از سررسید (ساعت)" name="grace_hours">
+          <BasicInput v-model:value="form.grace_hours" type="number" />
+        </a-form-item>
+        <div class="md:col-span-3 text-xs text-amber-800/80">
+          پرداخت خودکار نیست. بعد از سررسید SMS هشدار می‌رود؛ اگر تا پایان مهلت پرداخت نشود، هر روز این
+          مبلغ به بدهی قسط اضافه می‌شود. مقادیر پیش‌فرض از پیکربندی سیستم خوانده می‌شود.
+        </div>
+      </div>
+
+      <a-form-item label="یادداشت" name="notes" class="mt-3">
+        <BasicInput v-model:value="form.notes" />
+      </a-form-item>
+    </a-form>
+
+    <div
+      v-if="preview.length"
+      class="mt-4 rounded-xl border border-amber-100 bg-gradient-to-l from-amber-50 to-white p-4"
+    >
+      <div class="font-bold text-amber-900 mb-3 flex items-center gap-2">
+        <BaseIcon icon="vuesax-linear:calendar" Size="18px" />
+        پیش‌نمایش اقساط
+      </div>
+      <div class="grid grid-cols-3 gap-2 text-center text-sm mb-2 font-medium text-gray-600">
+        <div>ماه</div>
+        <div>مبلغ (سوت)</div>
+        <div>جمع (گرم)</div>
+      </div>
+      <div
+        v-for="item in preview.slice(0, 6)"
+        :key="item.installment_number"
+        class="grid grid-cols-3 gap-2 text-center py-1.5 border-b border-amber-50 last:border-0"
+      >
+        <div class="font-medium">{{ item.installment_number }}</div>
+        <div class="text-amber-800 font-bold">{{ item.amount_soot?.toLocaleString('fa-IR') }}</div>
+        <div>{{ item.total_gold?.toFixed(4) }}</div>
+      </div>
+      <div v-if="preview.length > 6" class="text-center text-xs text-gray-500 mt-2">
+        و {{ preview.length - 6 }} قسط دیگر...
+      </div>
+      <div class="mt-3 pt-3 border-t border-amber-100 flex justify-between font-bold text-amber-900">
+        <span>مجموع قابل پرداخت:</span>
+        <span>{{ totalPayable?.toFixed(4) }} گرم</span>
+      </div>
+    </div>
+  </BasicModal>
+</template>
+
+<script setup lang="ts">
+import { computed, nextTick, ref, watch } from 'vue'
+import { inputRules } from '@/utils/inputRules'
+import type { FormInstance } from 'ant-design-vue'
+import { message } from 'ant-design-vue'
+import type { Item } from '@/model/Item'
+import {
+  createGoldCredit,
+  updateGoldCredit,
+  previewGoldCredit,
+  approveGoldCreditRequest,
+  type GoldCreditForm,
+  type GoldCreditInstallment,
+} from '@/api/goldCredit'
+
+const props = withDefaults(
+  defineProps<{
+    visible?: boolean
+    customerId?: number
+    editId?: number
+    requestId?: number
+    mode?: 'create' | 'edit' | 'approve'
+    initial?: Partial<GoldCreditForm>
+  }>(),
+  {
+    visible: false,
+    mode: 'create',
+    initial: () => ({}),
+  }
+)
+
+const emit = defineEmits<{
+  (e: 'update:visible', value: boolean): void
+  (e: 'success'): void
+  (e: 'close'): void
+}>()
+
+const modalVisible = computed({
+  get: () => props.visible,
+  set: (value: boolean) => emit('update:visible', value),
+})
+
+const modalTitle = computed(() => {
+  if (props.mode === 'approve') return 'تأیید درخواست اعتبار'
+  if (props.editId) return 'ویرایش اعتبار طلایی'
+  return 'تعیین اعتبار طلایی'
+})
+
+const loading = ref(false)
+const formRef = ref<FormInstance>()
+const form = ref<GoldCreditForm>(defaultForm())
+const preview = ref<GoldCreditInstallment[]>([])
+const totalPayable = ref(0)
+
+const interestTypes: Item[] = [
+  { key: 'none', value: 'بدون سود' },
+  { key: 'percent', value: 'درصد ماهانه' },
+  { key: 'fixed_gram', value: 'گرم ثابت در ماه' },
+]
+
+const deliveryMethods: Item[] = [
+  { key: 'auto', value: 'خودکار — شارژ کیف پول' },
+  { key: 'manual', value: 'دستی' },
+  { key: 'in_person', value: 'تحویل حضوری' },
+]
+
+const penaltyTypes: Item[] = [
+  { key: 'rial', value: 'ریالی (روزانه)' },
+  { key: 'gold', value: 'طلایی (گرم روزانه)' },
+]
+
+function defaultForm(): GoldCreditForm {
+  return {
+    interest_type: 'none',
+    interest_value: 0,
+    delivery_method: 'manual',
+    months: 12,
+    has_check: false,
+    has_contract: false,
+    penalty_type: 'rial',
+    penalty_amount: 1000000,
+    grace_hours: 24,
+  }
+}
+
+function resetForm() {
+  form.value = {
+    ...defaultForm(),
+    customer_id: props.customerId,
+    ...props.initial,
+  }
+  if (!form.value.months) {
+    form.value.months = 12
+  }
+  preview.value = []
+  totalPayable.value = 0
+}
+
+watch(
+  () => props.visible,
+  async (open) => {
+    if (!open) {
+      formRef.value?.resetFields()
+      return
+    }
+    resetForm()
+    await nextTick()
+    formRef.value?.clearValidate()
+    await loadPreview()
+  }
+)
+
+async function loadPreview() {
+  const gold = Number(form.value.gold_amount)
+  const months = Number(form.value.months)
+  if (!gold || !months) {
+    preview.value = []
+    totalPayable.value = 0
+    return
+  }
+  try {
+    const res = await previewGoldCredit({
+      ...form.value,
+      gold_amount: gold,
+      months,
+    })
+    preview.value = res.installments ?? []
+    totalPayable.value = res.total_payable_gold ?? 0
+  } catch {
+    preview.value = []
+    totalPayable.value = 0
+  }
+}
+
+async function submit() {
+  try {
+    await formRef.value?.validateFields()
+  } catch {
+    message.warning('لطفاً فیلدهای الزامی را تکمیل کنید')
+    return Promise.reject()
+  }
+
+  if (props.mode === 'approve' && !props.requestId) {
+    message.error('شناسه درخواست یافت نشد')
+    return Promise.reject()
+  }
+
+  if (props.mode !== 'approve' && props.mode !== 'edit' && !props.customerId) {
+    message.error('شناسه مشتری یافت نشد')
+    return Promise.reject()
+  }
+
+  const gold = Number(form.value.gold_amount)
+  const months = Number(form.value.months)
+  if (!gold || gold <= 0) {
+    message.error('مقدار طلا باید بیشتر از صفر باشد')
+    return Promise.reject()
+  }
+  if (!months || months < 1) {
+    message.error('تعداد ماه باید حداقل ۱ باشد')
+    return Promise.reject()
+  }
+
+  loading.value = true
+  try {
+    const payload: GoldCreditForm = {
+      ...form.value,
+      customer_id: props.customerId,
+      gold_amount: gold,
+      months,
+      interest_value: Number(form.value.interest_value ?? 0),
+      penalty_amount: Number(form.value.penalty_amount ?? 0),
+      grace_hours: Number(form.value.grace_hours ?? 24),
+    }
+
+    if (props.mode === 'approve' && props.requestId) {
+      await approveGoldCreditRequest(props.requestId, payload)
+      message.success('درخواست تأیید و اعتبار ایجاد شد')
+    } else if (props.editId) {
+      await updateGoldCredit(props.editId, payload)
+      message.success('اعتبار با موفقیت ویرایش شد')
+    } else {
+      await createGoldCredit(payload)
+      message.success('اعتبار طلایی با موفقیت ثبت شد')
+    }
+
+    modalVisible.value = false
+    emit('success')
+  } catch {
+    return Promise.reject()
+  } finally {
+    loading.value = false
+  }
+}
+
+function close() {
+  modalVisible.value = false
+  emit('close')
+}
+</script>
diff --git a/src/pages/menuPages/customers/base/components/goldCreditSettingsModal.vue b/src/pages/menuPages/customers/base/components/goldCreditSettingsModal.vue
new file mode 100644
index 0000000..751a5d5
--- /dev/null
+++ b/src/pages/menuPages/customers/base/components/goldCreditSettingsModal.vue
@@ -0,0 +1,164 @@
+<template>
+  <BasicModal
+    v-model:visible="modalVisible"
+    title="تنظیمات اعتبار طلایی"
+    width="48rem"
+    ok-text="بستن"
+    @ok="modalVisible = false"
+  >
+    <a-spin :spinning="loading">
+      <div class="space-y-4">
+        <div class="text-sm text-gray-500 mb-2">
+          این تنظیمات در اپ کاربر اعمال می‌شوند. روش‌های پرداخت غیرفعال در اپ نمایش داده نمی‌شوند؛
+          ادمین همچنان می‌تواند از همه روش‌ها استفاده کند.
+        </div>
+
+        <div
+          v-for="row in rows"
+          :key="row.id ?? row.key"
+          class="rounded-xl border border-slate-100 bg-slate-50/60 p-3"
+        >
+          <div class="font-medium text-sm text-gray-800 mb-1">{{ row.title_fa || row.key }}</div>
+          <div v-if="row.description" class="text-xs text-gray-500 mb-2 whitespace-pre-wrap">
+            {{ displayDescription(row) }}
+          </div>
+          <SettingValueField
+            :model-value="drafts[row.id!] ?? ''"
+            :setting-key="row.key"
+            :setting-type="row.type"
+            :description="row.description"
+            :rows="row.key === 'gold_credit_tiers' ? 6 : 4"
+            :disabled="savingIds.has(row.id!)"
+            @update:value="onDraftChange(row, $event)"
+          />
+          <div v-if="savedFlashIds.has(row.id!)" class="text-xs text-green-600 mt-1">ذخیره شد</div>
+        </div>
+      </div>
+    </a-spin>
+  </BasicModal>
+</template>
+
+<script setup lang="ts">
+import { computed, ref, watch } from 'vue'
+import { message } from 'ant-design-vue'
+import { getConfiguration, setConfiguration } from '@/api/configuration'
+import type { Const } from '@/model/configuration'
+import SettingValueField from '@/pages/menuPages/configuration/SettingValueField.vue'
+import { formatValueForSave, resolveSettingFieldType } from '@/pages/menuPages/configuration/settingTypes'
+
+const GOLD_CREDIT_KEYS = [
+  'gold_credit_pay_gold_enabled',
+  'gold_credit_pay_rial_enabled',
+  'gold_credit_pay_mixed_enabled',
+  'gold_credit_min_balance_gram',
+  'gold_credit_default_months',
+  'gold_credit_info_text',
+  'gold_credit_request_success_text',
+  'gold_credit_tiers',
+  'gold_credit_penalty_type',
+  'gold_credit_penalty_amount',
+  'gold_credit_grace_hours',
+]
+
+const props = defineProps<{ visible?: boolean }>()
+const emit = defineEmits<{ (e: 'update:visible', value: boolean): void }>()
+
+const modalVisible = computed({
+  get: () => props.visible ?? false,
+  set: (v: boolean) => emit('update:visible', v),
+})
+
+const loading = ref(false)
+const rows = ref<Const[]>([])
+const drafts = ref<Record<number, string>>({})
+const savingIds = ref(new Set<number>())
+const savedFlashIds = ref(new Set<number>())
+const saveTimers = new Map<number, ReturnType<typeof setTimeout>>()
+const debounceTimers = new Map<number, ReturnType<typeof setTimeout>>()
+
+function displayDescription(row: Const) {
+  if (row.type === 'select' && row.description?.includes('|')) {
+    return row.description.split('|')[0]
+  }
+  return row.description
+}
+
+watch(
+  () => props.visible,
+  async (open) => {
+    if (!open) return
+    loading.value = true
+    try {
+      const all = (await getConfiguration()) ?? []
+      rows.value = all
+        .filter((r) => r.key && GOLD_CREDIT_KEYS.includes(r.key))
+        .sort(
+          (a, b) =>
+            GOLD_CREDIT_KEYS.indexOf(a.key!) - GOLD_CREDIT_KEYS.indexOf(b.key!)
+        )
+      const next: Record<number, string> = {}
+      for (const row of rows.value) {
+        if (row.id != null) next[row.id] = String(row.value ?? '')
+      }
+      drafts.value = next
+    } finally {
+      loading.value = false
+    }
+  }
+)
+
+function onDraftChange(row: Const, value: string) {
+  if (row.id == null) return
+  drafts.value[row.id] = value
+  scheduleSave(row)
+}
+
+function scheduleSave(row: Const) {
+  if (row.id == null) return
+  if (debounceTimers.has(row.id)) clearTimeout(debounceTimers.get(row.id))
+  debounceTimers.set(
+    row.id,
+    setTimeout(() => {
+      void saveRow(row)
+    }, 600)
+  )
+}
+
+async function saveRow(row: Const) {
+  if (row.id == null) return
+  const type = resolveSettingFieldType(row)
+  const raw = drafts.value[row.id] ?? row.value ?? ''
+  const value = formatValueForSave(raw, type)
+  if (value === (row.value ?? '')) return
+
+  savingIds.value.add(row.id)
+  savedFlashIds.value.delete(row.id)
+  try {
+    await setConfiguration({
+      id: row.id,
+      key: row.key,
+      value,
+      description: row.description ?? '',
+      is_active: row.is_active,
+      title_fa: row.title_fa ?? '',
+      type,
+    })
+    row.value = value
+    savedFlashIds.value.add(row.id)
+    if (saveTimers.has(row.id)) clearTimeout(saveTimers.get(row.id))
+    saveTimers.set(
+      row.id,
+      setTimeout(() => {
+        savedFlashIds.value.delete(row.id!)
+        savedFlashIds.value = new Set(savedFlashIds.value)
+      }, 2000)
+    )
+  } catch {
+    drafts.value[row.id] = String(row.value ?? '')
+    message.error(`ذخیره «${row.title_fa || row.key}» ناموفق بود`)
+  } finally {
+    savingIds.value.delete(row.id)
+    savingIds.value = new Set(savingIds.value)
+  }
+}
+</script>
diff --git a/src/pages/menuPages/customers/base/hooks/goldCreditColumns.tsx b/src/pages/menuPages/customers/base/hooks/goldCreditColumns.tsx
new file mode 100644
index 0000000..fd91679
--- /dev/null
+++ b/src/pages/menuPages/customers/base/hooks/goldCreditColumns.tsx
@@ -0,0 +1,185 @@
+import type { BaseTableColumn } from '@core/type/baseTable'
+import CustomTag from '@/components/CustomTag.vue'
+import { toJalaliNoTime } from '@core/utils/useDataTime'
+
+const statusStyles: Record<string, { text: string; textColor: string; bgColor: string }> = {
+  pending: { text: 'در انتظار', textColor: '#c2410c', bgColor: '#ffedd5' },
+  paid: { text: 'پرداخت شده', textColor: '#15803d', bgColor: '#dcfce7' },
+  prepaid: { text: 'پیش‌پرداخت', textColor: '#1d4ed8', bgColor: '#dbeafe' },
+  overdue: { text: 'معوق', textColor: '#b91c1c', bgColor: '#fee2e2' },
+  partial: { text: 'ناقص', textColor: '#a16207', bgColor: '#fef9c3' },
+}
+
+export const cols: BaseTableColumn[] = [
+  {
+    title: 'ردیف',
+    dataIndex: 'installment_number',
+    key: 'installment_number',
+    filterable: false,
+    sortable: false,
+  },
+  {
+    title: 'مبلغ (سوت)',
+    dataIndex: 'amount_soot',
+    key: 'amount_soot',
+    type: 'Number',
+    customRender: (record: any) => `${record.record.amount_soot?.toLocaleString('fa-IR')} سوت`,
+  },
+  {
+    title: 'تاریخ سررسید',
+    dataIndex: 'due_date',
+    key: 'due_date',
+    customRender: (record: any) => toJalaliNoTime(record.record.due_date),
+  },
+  {
+    title: 'وضعیت',
+    dataIndex: 'status',
+    key: 'status',
+    customRender: (record: any) => {
+      const s = statusStyles[record.record.status] ?? {
+        text: record.record.status,
+        textColor: '#374151',
+        bgColor: '#f3f4f6',
+      }
+      return (
+        <CustomTag textColor={s.textColor} bgColor={s.bgColor} class="px-2">
+          {s.text}
+        </CustomTag>
+      )
+    },
+  },
+  {
+    title: 'تاریخ پرداخت',
+    dataIndex: 'paid_at',
+    key: 'paid_at',
+    customRender: (record: any) =>
+      record.record.paid_at ? toJalaliNoTime(record.record.paid_at) : '-',
+  },
+  {
+    title: 'جریمه',
+    dataIndex: 'penalty_days',
+    key: 'penalty_days',
+    customRender: (record: any) => {
+      const r = record.record
+      const days = r.penalty_days || 0
+      if (!days && !(r.penalty_rial > 0) && !(r.penalty_gold > 0)) return '-'
+      const parts: string[] = []
+      if (days) parts.push(`${days} روز`)
+      if (r.penalty_rial > 0) parts.push(`${Number(r.penalty_rial).toLocaleString('fa-IR')} ریال`)
+      if (r.penalty_gold > 0) parts.push(`${Number(r.penalty_gold).toFixed(4)} گرم`)
+      return parts.join(' / ')
+    },
+  },
+]
+
+export const creditCols: BaseTableColumn[] = [
+  {
+    title: 'ردیف',
+    dataIndex: 'id',
+    key: 'id',
+    filterable: false,
+    sortable: false,
+    customRender: (record: any) => record.index + 1,
+  },
+  {
+    title: 'نام مشتری',
+    dataIndex: 'customer.name',
+    key: 'customer.name',
+    type: 'Text',
+  },
+  {
+    title: 'موبایل',
+    dataIndex: 'customer.mobile',
+    key: 'customer.mobile',
+    type: 'Text',
+  },
+  {
+    title: 'مقدار (گرم)',
+    dataIndex: 'gold_amount',
+    key: 'gold_amount',
+    type: 'Number',
+  },
+  {
+    title: 'تعداد ماه',
+    dataIndex: 'months',
+    key: 'months',
+    type: 'Number',
+  },
+  {
+    title: 'وضعیت',
+    dataIndex: 'status',
+    key: 'status',
+    customRender: (record: any) => {
+      const map: Record<string, string> = {
+        active: 'فعال',
+        completed: 'تسویه شده',
+        cancelled: 'لغو شده',
+        pending: 'در انتظار',
+      }
+      const styles: Record<string, { textColor: string; bgColor: string }> = {
+        active: { textColor: '#15803d', bgColor: '#dcfce7' },
+        completed: { textColor: '#1d4ed8', bgColor: '#dbeafe' },
+        cancelled: { textColor: '#b91c1c', bgColor: '#fee2e2' },
+        pending: { textColor: '#c2410c', bgColor: '#ffedd5' },
+      }
+      const st = record.record.status
+      const style = styles[st] ?? { textColor: '#374151', bgColor: '#f3f4f6' }
+      return (
+        <CustomTag textColor={style.textColor} bgColor={style.bgColor} class="px-2">
+          {map[st] ?? st}
+        </CustomTag>
+      )
+    },
+  },
+]
+
+export const requestCols: BaseTableColumn[] = [
+  {
+    title: 'ردیف',
+    dataIndex: 'id',
+    key: 'id',
+    filterable: false,
+    sortable: false,
+    customRender: (record: any) => record.index + 1,
+  },
+  {
+    title: 'نام مشتری',
+    dataIndex: 'customer.name',
+    key: 'customer.name',
+    type: 'Text',
+  },
+  {
+    title: 'موبایل',
+    dataIndex: 'customer.mobile',
+    key: 'customer.mobile',
+    type: 'Text',
+  },
+  {
+    title: 'مقدار درخواست (گرم)',
+    dataIndex: 'requested_gold',
+    key: 'requested_gold',
+    type: 'Number',
+  },
+  {
+    title: 'وضعیت',
+    dataIndex: 'status',
+    key: 'status',
+    customRender: (record: any) => {
+      const map: Record<string, { text: string; textColor: string; bgColor: string }> = {
+        pending: { text: 'در انتظار', textColor: '#c2410c', bgColor: '#ffedd5' },
+        approved: { text: 'تأیید شده', textColor: '#15803d', bgColor: '#dcfce7' },
+        rejected: { text: 'رد شده', textColor: '#b91c1c', bgColor: '#fee2e2' },
+      }
+      const s = map[record.record.status] ?? {
+        text: record.record.status,
+        textColor: '#374151',
+        bgColor: '#f3f4f6',
+      }
+      return (
+        <CustomTag textColor={s.textColor} bgColor={s.bgColor} class="px-2">
+          {s.text}
+        </CustomTag>
+      )
+    },
+  },
+]
diff --git a/src/pages/menuPages/customers/goldCredit/active/index.vue b/src/pages/menuPages/customers/goldCredit/active/index.vue
new file mode 100644
index 0000000..d19bf24
--- /dev/null
+++ b/src/pages/menuPages/customers/goldCredit/active/index.vue
@@ -0,0 +1,175 @@
+<template>
+  <div class="w-full h-full">
+    <BaseTable v-bind="tblProps" @register="submit" ref="tbl">
+      <template #extraHeader>
+        <div class="flex gap-2">
+          <BaseButton type="default" size="small" class="flex" @click="settingsVisible = true">
+            <div>تنظیمات</div>
+            <BaseIcon icon="vuesax-linear:setting-2" Size="16px" />
+          </BaseButton>
+          <BaseButton type="primary" size="small" class="flex" @click="openCreate">
+            <div>اعطای اعتبار</div>
+            <BaseIcon icon="vuesax-linear:medal-star" Size="16px" />
+          </BaseButton>
+        </div>
+      </template>
+      <template #action="{ record }">
+        <div class="flex gap-3 justify-center items-center">
+          <a-tooltip placement="top">
+            <template #title>جزئیات</template>
+            <Icon
+              icon="vuesax-linear:eye"
+              color="#6366f1"
+              class="cursor-pointer"
+              @click.stop="openDetails(record)"
+            />
+          </a-tooltip>
+          <a-tooltip v-if="record.status === 'active'" placement="top">
+            <template #title>ویرایش</template>
+            <Icon
+              icon="vuesax-linear:edit"
+              color="#4572E9"
+              class="cursor-pointer"
+              @click.stop="openEdit(record)"
+            />
+          </a-tooltip>
+        </div>
+      </template>
+    </BaseTable>
+
+    <GoldCreditDetailModal
+      v-model:visible="detailVisible"
+      :customer-id="detailCustomerId"
+      :customer-name="detailCustomerName"
+    />
+
+    <GoldCreditSettingsModal v-model:visible="settingsVisible" />
+
+    <GoldCreditModal
+      v-model:visible="modalVisible"
+      :mode="modalMode"
+      :edit-id="editRecord?.id"
+      :customer-id="createCustomerId ?? editRecord?.customer_id"
+      :initial="editInitial"
+      @success="reload"
+    />
+
+    <BasicModal
+      v-model:visible="createPickerVisible"
+      title="اعطای اعتبار طلایی"
+      width="28rem"
+      ok-text="ادامه"
+      @ok="confirmCreateCustomer"
+    >
+      <a-form-item label="انتخاب مشتری">
+        <BasicSelect
+          v-model:value="createCustomerId"
+          :items="customerOptions"
+          valueName="value"
+          keyName="key"
+          placeholder="جستجو نام یا موبایل"
+        />
+      </a-form-item>
+    </BasicModal>
+  </div>
+</template>
+
+<script setup lang="ts">
+import { onMounted, ref } from 'vue'
+import useBaseTable from '@core/components/BaseTable/hooks/useBaseTable'
+import { creditCols } from '@/pages/menuPages/customers/base/hooks/goldCreditColumns'
+import { getGoldCreditTable, type GoldCredit } from '@/api/goldCredit'
+import GoldCreditModal from '@/pages/menuPages/customers/base/components/goldCreditModal.vue'
+import GoldCreditDetailModal from '@/pages/menuPages/customers/base/components/goldCreditDetailModal.vue'
+import GoldCreditSettingsModal from '@/pages/menuPages/customers/base/components/goldCreditSettingsModal.vue'
+import Icon from '@core/components/BaseIcon/src/Icon.vue'
+import { getCustomersList } from '@/api/customer'
+import { message } from 'ant-design-vue'
+import type { Item } from '@/model/Item'
+
+const [submit, reload] = useBaseTable()
+const modalVisible = ref(false)
+const modalMode = ref<'create' | 'edit'>('edit')
+const detailVisible = ref(false)
+const settingsVisible = ref(false)
+const createPickerVisible = ref(false)
+const detailCustomerId = ref<number>()
+const detailCustomerName = ref<string>()
+const createCustomerId = ref<number>()
+const customerOptions = ref<Item[]>([])
+const editRecord = ref<GoldCredit | null>(null)
+const editInitial = ref<Record<string, unknown>>({})
+
+const tblProps = ref({
+  columns: [
+    ...creditCols,
+    {
+      title: 'عملیات',
+      key: 'action',
+      dataIndex: 'action',
+      slot: 'action',
+      width: 120,
+      filterable: false,
+      sortable: false,
+    },
+  ],
+  api: (params: unknown) => getGoldCreditTable(params as never),
+})
+
+onMounted(async () => {
+  try {
+    const list = await getCustomersList()
+    customerOptions.value = (list ?? []).map((c) => ({
+      key: c.id,
+      value: `${c.name ?? ''} — ${c.mobile ?? ''}`,
+    }))
+  } catch {
+    customerOptions.value = []
+  }
+})
+
+function openDetails(record: GoldCredit) {
+  detailCustomerId.value = record.customer_id
+  detailCustomerName.value = record.customer?.name
+  detailVisible.value = true
+}
+
+function openCreate() {
+  createCustomerId.value = undefined
+  createPickerVisible.value = true
+}
+
+function confirmCreateCustomer() {
+  if (!createCustomerId.value) {
+    message.warning('مشتری را انتخاب کنید')
+    return Promise.reject()
+  }
+  createPickerVisible.value = false
+  editRecord.value = null
+  editInitial.value = { months: 12 }
+  modalMode.value = 'create'
+  modalVisible.value = true
+}
+
+function openEdit(record: GoldCredit) {
+  createCustomerId.value = undefined
+  editRecord.value = record
+  modalMode.value = 'edit'
+  editInitial.value = {
+    gold_amount: record.gold_amount,
+    months: record.months,
+    interest_type: record.interest_type,
+    interest_value: record.interest_value,
+    delivery_method: record.delivery_method,
+    notes: record.notes,
+    has_check: record.has_check,
+    has_contract: record.has_contract,
+    check_note: record.check_note,
+    contract_note: record.contract_note,
+    penalty_type: record.penalty_type,
+    penalty_amount: record.penalty_amount,
+    grace_hours: record.grace_hours,
+  }
+  modalVisible.value = true
+}
+</script>
diff --git a/src/pages/menuPages/customers/goldCredit/index.vue b/src/pages/menuPages/customers/goldCredit/index.vue
new file mode 100644
index 0000000..f7c40f0
--- /dev/null
+++ b/src/pages/menuPages/customers/goldCredit/index.vue
@@ -0,0 +1,29 @@
+<template>
+  <div class="h-full min-h-0 w-full">
+    <BasicShowContext title="اعتبار">
+      <a-tabs v-model:activeKey="activeTab" class="gold-credit-tabs h-full" destroy-inactive-tab-pane>
+        <a-tab-pane key="requests" tab="درخواست‌ها">
+          <GoldCreditRequestsTab />
+        </a-tab-pane>
+        <a-tab-pane key="active" tab="اعتبارهای جاری">
+          <GoldCreditActiveTab />
+        </a-tab-pane>
+      </a-tabs>
+    </BasicShowContext>
+  </div>
+</template>
+
+<script setup lang="ts">
+import { ref } from 'vue'
+import GoldCreditRequestsTab from './requests/index.vue'
+import GoldCreditActiveTab from './active/index.vue'
+
+const activeTab = ref('requests')
+</script>
+
+<style scoped>
+.gold-credit-tabs :deep(.ant-tabs-content),
+.gold-credit-tabs :deep(.ant-tabs-tabpane) {
+  height: 100%;
+}
+</style>
diff --git a/src/pages/menuPages/customers/goldCredit/requests/index.vue b/src/pages/menuPages/customers/goldCredit/requests/index.vue
new file mode 100644
index 0000000..3dd69bf
--- /dev/null
+++ b/src/pages/menuPages/customers/goldCredit/requests/index.vue
@@ -0,0 +1,108 @@
+<template>
+  <div class="w-full h-full">
+    <BaseTable v-bind="tblProps" @register="registerTable" ref="tbl">
+      <template #action="{ record }">
+        <div v-if="record.status === 'pending'" class="flex gap-2 justify-center">
+          <BaseButton type="primary" size="small" @click.stop="openApprove(record)">
+            تأیید
+          </BaseButton>
+          <BaseButton size="small" danger @click.stop="openReject(record)">رد</BaseButton>
+        </div>
+        <span v-else class="text-gray-400 text-xs">—</span>
+      </template>
+    </BaseTable>
+
+    <GoldCreditModal
+      v-model:visible="modalVisible"
+      mode="approve"
+      :request-id="selectedRequestId"
+      :customer-id="selectedCustomerId"
+      :initial="modalInitial"
+      @success="reload"
+    />
+
+    <BasicModal
+      v-model:visible="rejectVisible"
+      title="رد درخواست"
+      width="24rem"
+      :confirm-loading="loading"
+      @ok="confirmReject"
+    >
+      <a-form-item label="دلیل رد">
+        <BasicInput v-model:value="rejectNote" />
+      </a-form-item>
+    </BasicModal>
+  </div>
+</template>
+
+<script setup lang="ts">
+import { nextTick, ref } from 'vue'
+import useBaseTable from '@core/components/BaseTable/hooks/useBaseTable'
+import { requestCols } from '@/pages/menuPages/customers/base/hooks/goldCreditColumns'
+import {
+  getGoldCreditRequestsTable,
+  rejectGoldCreditRequest,
+  type GoldCreditRequest,
+} from '@/api/goldCredit'
+import GoldCreditModal from '@/pages/menuPages/customers/base/components/goldCreditModal.vue'
+import { message } from 'ant-design-vue'
+
+const [registerTable, reload] = useBaseTable()
+const loading = ref(false)
+const modalVisible = ref(false)
+const rejectVisible = ref(false)
+const selectedRequestId = ref<number>()
+const selectedCustomerId = ref<number>()
+const rejectNote = ref('')
+const modalInitial = ref<Record<string, unknown>>({})
+
+const tblProps = ref({
+  columns: [
+    ...requestCols,
+    {
+      title: 'عملیات',
+      key: 'action',
+      dataIndex: 'action',
+      slot: 'action',
+      width: 180,
+      filterable: false,
+      sortable: false,
+    },
+  ],
+  api: (params: unknown) => getGoldCreditRequestsTable(params as never),
+})
+
+async function openApprove(record: GoldCreditRequest) {
+  selectedRequestId.value = record.id
+  selectedCustomerId.value = record.customer_id
+  modalInitial.value = {
+    gold_amount: record.requested_gold,
+    months: record.requested_months ?? 12,
+  }
+  await nextTick()
+  modalVisible.value = true
+}
+
+function openReject(record: GoldCreditRequest) {
+  selectedRequestId.value = record.id
+  rejectNote.value = ''
+  rejectVisible.value = true
+}
+
+async function confirmReject() {
+  if (!selectedRequestId.value) {
+    return Promise.reject()
+  }
+  loading.value = true
+  try {
+    await rejectGoldCreditRequest(selectedRequestId.value, rejectNote.value)
+    message.success('درخواست رد شد')
+    rejectVisible.value = false
+    reload()
+  } catch {
+    return Promise.reject()
+  } finally {
+    loading.value = false
+  }
+}
+</script>
diff --git a/src/pages/menuPages/customers/index.vue b/src/pages/menuPages/customers/index.vue
index b730dfd..5b5657c 100644
--- a/src/pages/menuPages/customers/index.vue
+++ b/src/pages/menuPages/customers/index.vue
@@ -21,7 +21,7 @@ import { computed } from 'vue'
 import BasicMenu from '@/components/BasicMenu/index.vue'
 import { useRouterStore } from '@core/stores/router'
 import { get } from 'lodash'
-import { customerSpecialPricingEnabledSetting, initWalletSettingsFromApi } from '@/utils/config'
+import { customerSpecialPricingEnabledSetting, goldCreditEnabledSetting, initWalletSettingsFromApi } from '@/utils/config'
 
 initWalletSettingsFromApi()
 
@@ -33,10 +33,11 @@ const menu = computed(() => {
     meta?: { order?: number }
   }>
   return [...children]
-    .filter(
-      (child) =>
-        child.name !== 'customerMain_specialPrice' || customerSpecialPricingEnabledSetting.value
-    )
+    .filter((child) => {
+      if (child.name === 'customerMain_specialPrice') return customerSpecialPricingEnabledSetting.value
+      if (child.name === 'customerMain_goldCredit') return goldCreditEnabledSetting.value
+      return true
+    })
     .sort((a, b) => (a.meta?.order ?? 99) - (b.meta?.order ?? 99))
 })
 </script>
diff --git a/src/router/routes/customers.ts b/src/router/routes/customers.ts
index 4e91366..828c119 100644
--- a/src/router/routes/customers.ts
+++ b/src/router/routes/customers.ts
@@ -80,6 +80,16 @@ const Customers: RouteRecordRaw = {
             title: 'قیمت ویژه',
             order: 4
           }
+        },
+        {
+          name: 'customerMain_goldCredit',
+          path: 'gold-credit',
+          component: () => import('@/pages/menuPages/customers/goldCredit/index.vue'),
+          meta: {
+            icon: 'vuesax-linear:medal-star',
+            title: 'اعتبار',
+            order: 5
+          }
         }
       ]
     }
diff --git a/src/utils/config.ts b/src/utils/config.ts
index e963bc3..45f393b 100644
--- a/src/utils/config.ts
+++ b/src/utils/config.ts
@@ -64,6 +64,9 @@ export const groupSmsEnabledSetting = ref(false)
 /** reactive — زیرمنوی قیمت ویژه مشتری */
 export const customerSpecialPricingEnabledSetting = ref(false)
 
+/** reactive — زیرمنوی اعتبار طلایی در مشتریان */
+export const goldCreditEnabledSetting = ref(false)
+
 /** reactive — منو و زنگوله اعلان داخل اپ */
 export const appNotificationEnabledSetting = ref(true)
 
@@ -87,8 +90,11 @@ let pargarEnabledFromSettings: boolean | null = null
 let customerDirectSmsFromSettings: boolean | null = null
 let accountingProviderFromSettings: AccountingProvider | null = null
 
-function isSwitchOn(value: string | undefined | null): boolean {
-  const v = (value ?? '').trim().toLowerCase()
+function isSwitchOn(value: string | number | boolean | undefined | null): boolean {
+  if (value === true || value === 1) return true
+  const v = String(value ?? '')
+    .trim()
+    .toLowerCase()
   return v === 'true' || v === '1' || v === 'yes' || v === 'activate'
 }
 
@@ -166,6 +172,10 @@ export function setCustomerSpecialPricingEnabledFromSettings(value: boolean): vo
   customerSpecialPricingEnabledSetting.value = value
 }
 
+export function setGoldCreditEnabledFromSettings(value: boolean): void {
+  goldCreditEnabledSetting.value = value
+}
+
 export function setConditionalOrderEnabledFromSettings(value: boolean): void {
   conditionalOrderEnabledSetting.value = value
 }
@@ -283,13 +293,20 @@ export function applyCustomerSpecialPricingFromRows(
   if (row) setCustomerSpecialPricingEnabledFromSettings(isSwitchOn(row.value))
 }
 
+export function applyGoldCreditEnabledFromRows(
+  rows: Array<{ key?: string; value?: string | null }>
+) {
+  const row = rows.find((item) => item.key === 'enable_gold_credit')
+  if (row) setGoldCreditEnabledFromSettings(isSwitchOn(row.value))
+}
+
 /** بعد از همگام‌سازی سوپرادمین — bootstrap بعدی دوباره از API می‌خواند */
 export function invalidateSettingsBootstrap(): void {
   settingsBootstrapped = false
 }
 
 /**
- * اعمال مستقیم ۱۴ دسترسی سوپرادمین روی فلگ‌های منو/UI
+ * اعمال مستقیم ۱۵ دسترسی سوپرادمین روی فلگ‌های منو/UI
  * (پاسخ refresh-superadmin.items یا ردیف‌های get_settings).
  */
 export function applySuperAdminAccessFlagsFromItems(
@@ -301,6 +318,7 @@ export function applySuperAdminAccessFlagsFromItems(
   applyCustomerDirectSmsFromRows(rows)
   applyGroupSmsFromRows(rows)
   applyCustomerSpecialPricingFromRows(rows)
+  applyGoldCreditEnabledFromRows(rows)
   applyConditionalOrderEnabledFromRows(rows)
   applyAutomationEnabledFromRows(rows)
   applyProductFundsEnabledFromRows(rows)
@@ -386,6 +404,7 @@ async function bootstrapSettingsFromApi(): Promise<void> {
     applyCustomerDirectSmsFromRows(list)
     applyGroupSmsFromRows(list)
     applyCustomerSpecialPricingFromRows(list)
+    applyGoldCreditEnabledFromRows(list)
     applyConditionalOrderEnabledFromRows(list)
     applyAutomationEnabledFromRows(list)
     applyProductFundsEnabledFromRows(list)