Add gold credit feature gated by SuperAdmin enable_gold_credit.

Port tables, APIs, and overdue cron from goldali, default the flag off, and keep customer routes behind auth.

Co-authored-by: Cursor <cursoragent@cursor.com>

app/Console/Commands/ProcessGoldCreditOverdue.php

@@ -0,0 +1,26 @@
+<?php
+
+namespace App\Console\Commands;
+
+use App\Services\GoldCreditService;
+use Illuminate\Console\Command;
+
+class ProcessGoldCreditOverdue extends Command
+{
+    protected $signature = 'gold-credit:process-overdue';
+
+    protected $description = 'SMS هشدار سررسید اقساط اعتبار طلایی و اعمال جریمه روزانه پس از مهلت';
+
+    public function handle(GoldCreditService $service): int
+    {
+        $result = $service->processOverdueInstallments();
+        $this->info(sprintf(
+            'warnings=%d penalties=%d reminders=%d',
+            $result['warnings'] ?? 0,
+            $result['penalties'] ?? 0,
+            $result['reminders'] ?? 0
+        ));
+
+        return self::SUCCESS;
+    }
+}

app/Console/Kernel.php

@@ -13,6 +13,11 @@ class Kernel extends ConsoleKernel
 
     protected function schedule(Schedule $schedule)
     {
+        $schedule->command('gold-credit:process-overdue')
+            ->everyFiveMinutes()
+            ->name('gold_credit_process_overdue')
+            ->withoutOverlapping();
+
         // تیک قیمت — ۶ بار در دقیقه با فاصله ۱۰ ثانیه (montzar + zaarbox + محصولات)
         // نیاز: * * * * * php artisan schedule:run
         // یا یک‌بار: php artisan schedule:bootstrap

app/Http/Controllers/Admin/GoldCreditController.php

@@ -0,0 +1,221 @@
+<?php
+
+namespace App\Http\Controllers\Admin;
+
+use App\DB\Te\TableEngine;
+use App\Http\Controllers\Controller;
+use App\Models\GoldCredit;
+use App\Models\GoldCreditInstallment;
+use App\Models\GoldCreditRequest;
+use App\Services\GoldCreditService;
+use Illuminate\Http\Request;
+
+class GoldCreditController extends Controller
+{
+    public function __construct(private GoldCreditService $service)
+    {
+    }
+
+    private function ensureEnabled()
+    {
+        if (! app(\App\Services\ConfigService::class)->isGoldCreditEnabled()) {
+            abort(403, 'اعتبار طلایی برای این نسخه فعال نیست');
+        }
+    }
+
+
+    public function store(Request $request)
+    {
+        $this->ensureEnabled();
+
+        $data = $request->validate([
+            'customer_id' => 'required|integer|exists:customers,id',
+            'gold_amount' => 'required|numeric|min:0.001',
+            'months' => 'required|integer|min:1|max:120',
+            'interest_type' => 'nullable|in:none,percent,fixed_gram',
+            'interest_value' => 'nullable|numeric|min:0',
+            'delivery_method' => 'nullable|in:auto,manual,in_person',
+            'notes' => 'nullable|string',
+            'has_check' => 'nullable|boolean',
+            'has_contract' => 'nullable|boolean',
+            'check_note' => 'nullable|string|max:255',
+            'contract_note' => 'nullable|string|max:255',
+            'penalty_type' => 'nullable|in:rial,gold',
+            'penalty_amount' => 'nullable|numeric|min:0',
+            'grace_hours' => 'nullable|integer|min:0|max:720',
+        ]);
+
+        $credit = $this->service->createCredit($data, auth()->id(), 'admin_direct');
+        return response()->json($credit);
+    }
+
+    public function update(Request $request, int $id)
+    {
+        $this->ensureEnabled();
+
+        $data = $request->validate([
+            'gold_amount' => 'nullable|numeric|min:0.001',
+            'months' => 'nullable|integer|min:1|max:120',
+            'interest_type' => 'nullable|in:none,percent,fixed_gram',
+            'interest_value' => 'nullable|numeric|min:0',
+            'notes' => 'nullable|string',
+            'status' => 'nullable|in:cancelled',
+            'has_check' => 'nullable|boolean',
+            'has_contract' => 'nullable|boolean',
+            'check_note' => 'nullable|string|max:255',
+            'contract_note' => 'nullable|string|max:255',
+            'penalty_type' => 'nullable|in:rial,gold',
+            'penalty_amount' => 'nullable|numeric|min:0',
+            'grace_hours' => 'nullable|integer|min:0|max:720',
+        ]);
+
+        $credit = $this->service->updateCredit($id, $data);
+        return response()->json($credit);
+    }
+
+    public function table(Request $request)
+    {
+        $this->ensureEnabled();
+
+        $data = $request->all();
+        if (isset($data['select']) && is_null($data['select'])) {
+            $data['select'] = [];
+        }
+
+        $query = GoldCredit::with(['customer:id,name,mobile', 'creator:id,name'])
+            ->whereIn('status', ['pending', 'active', 'completed']);
+
+        TableEngine::create($query, $data)
+            ->initSearch(['notes', 'customer.name', 'customer.mobile'])
+            ->select(['*'])
+            ->export($query);
+
+        return $query;
+    }
+
+    public function requestsTable(Request $request)
+    {
+        $this->ensureEnabled();
+
+        $data = $request->all();
+        if (isset($data['select']) && is_null($data['select'])) {
+            $data['select'] = [];
+        }
+
+        $query = GoldCreditRequest::with(['customer:id,name,mobile']);
+
+        TableEngine::create($query, $data)
+            ->initSearch(['note', 'admin_note', 'customer.name', 'customer.mobile'])
+            ->select(['*'])
+            ->export($query);
+
+        return $query;
+    }
+
+    public function customerInstallments(Request $request, int $customerId)
+    {
+        $this->ensureEnabled();
+
+        $credit = GoldCredit::with('installments')
+            ->where('customer_id', $customerId)
+            ->whereIn('status', ['pending', 'active', 'completed'])
+            ->orderByDesc('id')
+            ->first();
+
+        if (!$credit) {
+            return response()->json(['rows' => [], 'total' => 0, 'credit' => null]);
+        }
+
+        $this->service->refreshOverdueStatuses($credit);
+
+        return response()->json([
+            'rows' => $credit->installments,
+            'total' => $credit->installments->count(),
+            'credit' => $credit,
+        ]);
+    }
+
+    public function approveRequest(Request $request, int $id)
+    {
+        $this->ensureEnabled();
+
+        $data = $request->validate([
+            'gold_amount' => 'nullable|numeric|min:0.001',
+            'months' => 'required|integer|min:1|max:120',
+            'interest_type' => 'nullable|in:none,percent,fixed_gram',
+            'interest_value' => 'nullable|numeric|min:0',
+            'delivery_method' => 'nullable|in:auto,manual,in_person',
+            'admin_note' => 'nullable|string',
+            'notes' => 'nullable|string',
+            'has_check' => 'nullable|boolean',
+            'has_contract' => 'nullable|boolean',
+            'check_note' => 'nullable|string|max:255',
+            'contract_note' => 'nullable|string|max:255',
+            'penalty_type' => 'nullable|in:rial,gold',
+            'penalty_amount' => 'nullable|numeric|min:0',
+            'grace_hours' => 'nullable|integer|min:0|max:720',
+        ]);
+
+        $credit = $this->service->approveRequest($id, $data, auth()->id());
+        return response()->json($credit);
+    }
+
+    public function rejectRequest(Request $request, int $id)
+    {
+        $this->ensureEnabled();
+
+        $data = $request->validate([
+            'admin_note' => 'nullable|string',
+        ]);
+
+        $result = $this->service->rejectRequest($id, $data['admin_note'] ?? null);
+        return response()->json($result);
+    }
+
+    public function payInstallments(Request $request)
+    {
+        $this->ensureEnabled();
+
+        $data = $request->validate([
+            'gold_credit_id' => 'required|integer|exists:gold_credits,id',
+            'installment_ids' => 'required|array|min:1',
+            'installment_ids.*' => 'integer|exists:gold_credit_installments,id',
+            'pay_method' => 'required|in:gold,rial,mixed',
+            'gold_amount' => 'nullable|numeric|min:0',
+            'rial_amount' => 'nullable|integer|min:0',
+        ]);
+
+        $credit = GoldCredit::findOrFail($data['gold_credit_id']);
+        $result = $this->service->payInstallments(
+            $credit,
+            $data['installment_ids'],
+            $data['pay_method'],
+            $data['gold_amount'] ?? null,
+            $data['rial_amount'] ?? null,
+            auth()->id()
+        );
+
+        return response()->json($result);
+    }
+
+    public function preview(Request $request)
+    {
+        $this->ensureEnabled();
+
+        $data = $request->validate([
+            'gold_amount' => 'required|numeric|min:0.001',
+            'months' => 'required|integer|min:1|max:120',
+            'interest_type' => 'nullable|in:none,percent,fixed_gram',
+            'interest_value' => 'nullable|numeric|min:0',
+        ]);
+
+        $plan = $this->service->buildInstallmentPlan(
+            (float) $data['gold_amount'],
+            (int) $data['months'],
+            $data['interest_type'] ?? 'none',
+            (float) ($data['interest_value'] ?? 0)
+        );
+
+        return response()->json($plan);
+    }
+}

app/Http/Controllers/Admin/SettingsController.php

@@ -235,7 +235,7 @@ class SettingsController extends Controller
     }
 
     /**
-     * تنظیمات پیشرفته: ۱۴ دسترسی از سوپرادمین + بقیهٔ can_edit=0 از DB لوکال.
+     * تنظیمات پیشرفته: ۱۵ دسترسی از سوپرادمین + بقیهٔ can_edit=0 از DB لوکال.
      */
     private function composeSystemSettings($localRows)
     {
@@ -319,7 +319,7 @@ class SettingsController extends Controller
     /**
      * get_settings ادمین (و پایهٔ publicIndex قبل از فیلتر show_to_user):
      *   can_edit=1 (+ runtime + local-owned) از DB لوکال
-     *   فقط ۱۴ دسترسی سوپرادمین از overlay؛ بقیهٔ can_edit=0 از کپی لوکال
+     *   فقط ۱۵ دسترسی سوپرادمین از overlay؛ بقیهٔ can_edit=0 از کپی لوکال
      * اگر سوپرادمین در دسترس نباشد کل جدول لوکال برمی‌گردد.
      */
     private function composeGetSettings($localRows)

app/Http/Controllers/Customer/GoldCreditController.php

@@ -0,0 +1,157 @@
+<?php
+
+namespace App\Http\Controllers\Customer;
+
+use App\Http\Controllers\Controller;
+use App\Models\GoldCredit;
+use App\Models\GoldCreditRequest;
+use App\Services\GoldCreditService;
+use Illuminate\Http\Request;
+
+class GoldCreditController extends Controller
+{
+    public function __construct(private GoldCreditService $service)
+    {
+    }
+
+    private function ensureEnabled()
+    {
+        if (! app(\App\Services\ConfigService::class)->isGoldCreditEnabled()) {
+            abort(403, 'اعتبار طلایی برای این نسخه فعال نیست');
+        }
+    }
+
+
+    public function show()
+    {
+        $this->ensureEnabled();
+
+        $customerId = auth('customer')->id();
+        $config = $this->service->getPublicConfig();
+        $walletGold = $this->service->getCustomerGoldBalance($customerId);
+        $tier = $this->service->resolveTierForBalance($walletGold);
+        $minBalance = (float) $config['min_balance_gram'];
+
+        $credit = GoldCredit::with('installments')
+            ->where('customer_id', $customerId)
+            ->whereIn('status', ['pending', 'active', 'completed'])
+            ->orderByDesc('id')
+            ->first();
+
+        if ($credit) {
+            $this->service->refreshOverdueStatuses($credit);
+            $credit->load('installments');
+        }
+
+        $pendingRequest = GoldCreditRequest::where('customer_id', $customerId)
+            ->where('status', 'pending')
+            ->latest()
+            ->first();
+
+        $remainingSoot = 0;
+        if ($credit) {
+            $remainingSoot = $credit->installments
+                ->whereIn('status', ['pending', 'overdue', 'partial'])
+                ->sum('amount_soot');
+        }
+
+        $canRequest = !$credit
+            && !$pendingRequest
+            && $walletGold >= $minBalance
+            && $tier !== null;
+
+        return response()->json([
+            'credit' => $credit,
+            'pending_request' => $pendingRequest,
+            'remaining_soot' => $remainingSoot,
+            'gram_price_rial' => $this->service->getGramPriceRial(),
+            'wallet_gold' => $walletGold,
+            'can_request' => $canRequest,
+            'suggested_tier' => $tier,
+            'config' => $config,
+        ]);
+    }
+
+    public function requestLoan(Request $request)
+    {
+        $this->ensureEnabled();
+
+        $data = $request->validate([
+            'note' => 'nullable|string|max:500',
+        ]);
+
+        $customerId = auth('customer')->id();
+        $config = $this->service->getPublicConfig();
+        $walletGold = $this->service->getCustomerGoldBalance($customerId);
+        $minBalance = (float) $config['min_balance_gram'];
+        $tier = $this->service->resolveTierForBalance($walletGold);
+
+        if ($walletGold < $minBalance || !$tier) {
+            return response()->json([
+                'message' => 'موجودی طلای شما برای ثبت درخواست کافی نیست',
+            ], 422);
+        }
+
+        $hasActive = GoldCredit::where('customer_id', $customerId)
+            ->whereIn('status', ['pending', 'active'])
+            ->exists();
+        if ($hasActive) {
+            return response()->json(['message' => 'شما اعتبار فعال دارید'], 422);
+        }
+
+        $hasPending = GoldCreditRequest::where('customer_id', $customerId)
+            ->where('status', 'pending')
+            ->exists();
+        if ($hasPending) {
+            return response()->json(['message' => 'درخواست قبلی شما در انتظار بررسی است'], 422);
+        }
+
+        $loanRequest = GoldCreditRequest::create([
+            'customer_id' => $customerId,
+            'requested_gold' => $tier['credit_gram'],
+            'requested_months' => $tier['months'] ?? $config['default_months'],
+            'note' => $data['note'] ?? null,
+            'status' => 'pending',
+        ]);
+
+        $this->service->notifyAdminsLoanRequest($loanRequest);
+
+        return response()->json([
+            'request' => $loanRequest,
+            'message' => $config['request_success_text'],
+            'suggested_tier' => $tier,
+        ]);
+    }
+
+    public function payInstallments(Request $request)
+    {
+        $this->ensureEnabled();
+
+        $data = $request->validate([
+            'installment_ids' => 'required|array|min:1',
+            'installment_ids.*' => 'integer|exists:gold_credit_installments,id',
+            'pay_method' => 'required|in:gold,rial,mixed',
+            'gold_amount' => 'nullable|numeric|min:0',
+            'rial_amount' => 'nullable|integer|min:0',
+        ]);
+
+        $this->service->assertPayMethodAllowed($data['pay_method']);
+
+        $customerId = auth('customer')->id();
+        $credit = GoldCredit::where('customer_id', $customerId)
+            ->whereIn('status', ['active'])
+            ->orderByDesc('id')
+            ->firstOrFail();
+
+        $result = $this->service->payInstallments(
+            $credit,
+            $data['installment_ids'],
+            $data['pay_method'],
+            $data['gold_amount'] ?? null,
+            $data['rial_amount'] ?? null,
+            null
+        );
+
+        return response()->json($result);
+    }
+}

app/Models/GoldCredit.php

@@ -0,0 +1,61 @@
+<?php
+
+namespace App\Models;
+
+use Illuminate\Database\Eloquent\Model;
+use Illuminate\Database\Eloquent\Relations\BelongsTo;
+use Illuminate\Database\Eloquent\Relations\HasMany;
+
+class GoldCredit extends Model
+{
+    protected $fillable = [
+        'customer_id',
+        'gold_amount',
+        'months',
+        'interest_type',
+        'interest_value',
+        'delivery_method',
+        'status',
+        'source',
+        'total_interest_gold',
+        'total_payable_gold',
+        'paid_gold',
+        'paid_rial',
+        'created_by',
+        'notes',
+        'has_check',
+        'has_contract',
+        'check_note',
+        'contract_note',
+        'penalty_type',
+        'penalty_amount',
+        'grace_hours',
+    ];
+
+    protected $casts = [
+        'gold_amount' => 'float',
+        'interest_value' => 'float',
+        'total_interest_gold' => 'float',
+        'total_payable_gold' => 'float',
+        'paid_gold' => 'float',
+        'paid_rial' => 'integer',
+        'has_check' => 'boolean',
+        'has_contract' => 'boolean',
+        'penalty_amount' => 'float',
+    ];
+
+    public function customer(): BelongsTo
+    {
+        return $this->belongsTo(Customer::class);
+    }
+
+    public function installments(): HasMany
+    {
+        return $this->hasMany(GoldCreditInstallment::class)->orderBy('installment_number');
+    }
+
+    public function creator(): BelongsTo
+    {
+        return $this->belongsTo(User::class, 'created_by');
+    }
+}

app/Models/GoldCreditInstallment.php

@@ -0,0 +1,52 @@
+<?php
+
+namespace App\Models;
+
+use Illuminate\Database\Eloquent\Model;
+use Illuminate\Database\Eloquent\Relations\BelongsTo;
+
+class GoldCreditInstallment extends Model
+{
+    protected $fillable = [
+        'gold_credit_id',
+        'installment_number',
+        'due_date',
+        'amount_soot',
+        'principal_gold',
+        'interest_gold',
+        'total_gold',
+        'paid_gold',
+        'paid_rial',
+        'status',
+        'paid_at',
+        'warning_sms_sent_at',
+        'reminder_3d_sent_at',
+        'reminder_1d_sent_at',
+        'penalty_started_at',
+        'last_penalty_at',
+        'penalty_days',
+        'penalty_rial',
+        'penalty_gold',
+    ];
+
+    protected $casts = [
+        'due_date' => 'date',
+        'principal_gold' => 'float',
+        'interest_gold' => 'float',
+        'total_gold' => 'float',
+        'paid_gold' => 'float',
+        'paid_rial' => 'integer',
+        'paid_at' => 'datetime',
+        'warning_sms_sent_at' => 'datetime',
+        'reminder_3d_sent_at' => 'datetime',
+        'reminder_1d_sent_at' => 'datetime',
+        'penalty_started_at' => 'datetime',
+        'last_penalty_at' => 'datetime',
+        'penalty_gold' => 'float',
+    ];
+
+    public function goldCredit(): BelongsTo
+    {
+        return $this->belongsTo(GoldCredit::class);
+    }
+}

app/Models/GoldCreditRequest.php

@@ -0,0 +1,33 @@
+<?php
+
+namespace App\Models;
+
+use Illuminate\Database\Eloquent\Model;
+use Illuminate\Database\Eloquent\Relations\BelongsTo;
+
+class GoldCreditRequest extends Model
+{
+    protected $fillable = [
+        'customer_id',
+        'requested_gold',
+        'requested_months',
+        'note',
+        'status',
+        'admin_note',
+        'gold_credit_id',
+    ];
+
+    protected $casts = [
+        'requested_gold' => 'float',
+    ];
+
+    public function customer(): BelongsTo
+    {
+        return $this->belongsTo(Customer::class);
+    }
+
+    public function goldCredit(): BelongsTo
+    {
+        return $this->belongsTo(GoldCredit::class);
+    }
+}

app/Services/ConfigService.php

@@ -1223,6 +1223,11 @@ class ConfigService
         return $this->getBool('enable_product_funds', false);
     }
 
+    public function isGoldCreditEnabled(): bool
+    {
+        return $this->getBool('enable_gold_credit', false);
+    }
+
     /**
      * سوییچ اصلی جیبیت (can_edit=0، پیش‌فرض روشن).
      * خاموش = هیچ فراخوانی احراز هویت به جیبیت انجام نمی‌شود.

app/Services/GoldCreditService.php

@@ -0,0 +1,851 @@
+<?php
+
+namespace App\Services;
+
+use App\Models\Customer;
+use App\Models\GoldCredit;
+use App\Models\GoldCreditInstallment;
+use App\Models\GoldCreditRequest;
+use App\Models\Price;
+use App\Models\User;
+use App\Models\Withdraw;
+use Carbon\Carbon;
+use Illuminate\Support\Facades\DB;
+use Illuminate\Support\Facades\Log;
+use Illuminate\Support\Facades\Schema;
+use Rooyesh\Wallet\interfaces\TransactionInterface;
+use Rooyesh\Wallet\interfaces\WalletInterface;
+use Rooyesh\Wallet\models\Wallet;
+use Symfony\Component\HttpKernel\Exception\UnprocessableEntityHttpException;
+
+class GoldCreditService
+{
+    public function buildInstallmentPlan(
+        float $goldAmount,
+        int $months,
+        string $interestType = 'none',
+        float $interestValue = 0
+    ): array {
+        if ($months < 1) {
+            throw new UnprocessableEntityHttpException('تعداد ماه باید حداقل ۱ باشد');
+        }
+        if ($goldAmount <= 0) {
+            throw new UnprocessableEntityHttpException('مقدار طلا باید بیشتر از صفر باشد');
+        }
+
+        $totalSoot = (int) round($goldAmount * 1000);
+        $baseSootPerMonth = intdiv($totalSoot, $months);
+        $remainder = $totalSoot - ($baseSootPerMonth * $months);
+
+        $totalInterestGold = $this->calculateTotalInterest($goldAmount, $months, $interestType, $interestValue);
+        $interestPerMonth = $months > 0 ? $totalInterestGold / $months : 0;
+
+        $installments = [];
+        for ($i = 1; $i <= $months; $i++) {
+            $soot = $baseSootPerMonth + ($i === $months ? $remainder : 0);
+            $principalGold = $soot / 1000;
+            $interestGold = round($interestPerMonth, 6);
+            $installments[] = [
+                'installment_number' => $i,
+                'amount_soot' => $soot,
+                'principal_gold' => $principalGold,
+                'interest_gold' => $interestGold,
+                'total_gold' => round($principalGold + $interestGold, 6),
+            ];
+        }
+
+        return [
+            'installments' => $installments,
+            'total_interest_gold' => round($totalInterestGold, 6),
+            'total_payable_gold' => round($goldAmount + $totalInterestGold, 6),
+        ];
+    }
+
+    public function createCredit(array $data, ?int $adminId = null, string $source = 'admin_direct'): GoldCredit
+    {
+        $customer = Customer::findOrFail($data['customer_id']);
+        $active = GoldCredit::where('customer_id', $customer->id)
+            ->whereIn('status', ['pending', 'active'])
+            ->exists();
+        if ($active) {
+            throw new UnprocessableEntityHttpException('این کاربر اعتبار فعال دارد');
+        }
+
+        $plan = $this->buildInstallmentPlan(
+            (float) $data['gold_amount'],
+            (int) $data['months'],
+            $data['interest_type'] ?? 'none',
+            (float) ($data['interest_value'] ?? 0)
+        );
+
+        return DB::transaction(function () use ($data, $adminId, $source, $customer, $plan) {
+            $cfg = app(ConfigService::class);
+            $credit = GoldCredit::create([
+                'customer_id' => $customer->id,
+                'gold_amount' => $data['gold_amount'],
+                'months' => $data['months'],
+                'interest_type' => $data['interest_type'] ?? 'none',
+                'interest_value' => $data['interest_value'] ?? 0,
+                'delivery_method' => $data['delivery_method'] ?? 'manual',
+                'status' => 'active',
+                'source' => $source,
+                'total_interest_gold' => $plan['total_interest_gold'],
+                'total_payable_gold' => $plan['total_payable_gold'],
+                'created_by' => $adminId,
+                'notes' => $data['notes'] ?? null,
+                'has_check' => (bool) ($data['has_check'] ?? false),
+                'has_contract' => (bool) ($data['has_contract'] ?? false),
+                'check_note' => $data['check_note'] ?? null,
+                'contract_note' => $data['contract_note'] ?? null,
+                'penalty_type' => $data['penalty_type'] ?? $cfg->get('gold_credit_penalty_type', 'rial'),
+                'penalty_amount' => $data['penalty_amount'] ?? $cfg->get('gold_credit_penalty_amount', '1000000'),
+                'grace_hours' => $data['grace_hours'] ?? $cfg->getInt('gold_credit_grace_hours', 24),
+            ]);
+
+            $startDate = Carbon::now();
+            foreach ($plan['installments'] as $item) {
+                GoldCreditInstallment::create([
+                    'gold_credit_id' => $credit->id,
+                    'installment_number' => $item['installment_number'],
+                    'due_date' => $startDate->copy()->addMonths($item['installment_number'])->toDateString(),
+                    'amount_soot' => $item['amount_soot'],
+                    'principal_gold' => $item['principal_gold'],
+                    'interest_gold' => $item['interest_gold'],
+                    'total_gold' => $item['total_gold'],
+                    'status' => 'pending',
+                ]);
+            }
+
+            if (($data['delivery_method'] ?? 'manual') === 'auto') {
+                $this->deliverCredit($credit, $adminId, $data['notes'] ?? 'اعتبار طلایی');
+            }
+
+            return $credit->load('installments', 'customer');
+        });
+    }
+
+    public function deliverCredit(GoldCredit $credit, ?int $adminId, string $note = 'اعتبار طلایی'): void
+    {
+        $customer = Customer::findOrFail($credit->customer_id);
+        $walletOwnerType = $customer->resolveWalletOwnerType();
+        $walletInterface = new WalletInterface($customer->id, $walletOwnerType);
+
+        $withdraw = Withdraw::create([
+            'user_id' => $adminId,
+            'customer_id' => $customer->id,
+            'gold' => $credit->gold_amount,
+            'note' => $note,
+            'sts' => 4,
+        ]);
+
+        new TransactionInterface($walletInterface, [
+            'cash' => 0,
+            'gold' => $credit->gold_amount,
+            'expire_at' => now(),
+            'note' => $note,
+            'withdraw_id' => $withdraw->id,
+            'active' => true,
+        ], 7, true, false, 0);
+    }
+
+    public function approveRequest(int $requestId, array $creditData, int $adminId): GoldCredit
+    {
+        $request = GoldCreditRequest::where('status', 'pending')->findOrFail($requestId);
+        $creditData['customer_id'] = $request->customer_id;
+        if (!isset($creditData['gold_amount'])) {
+            $creditData['gold_amount'] = $request->requested_gold;
+        }
+        if (!isset($creditData['months'])) {
+            $creditData['months'] = $request->requested_months
+                ?? (int) app(ConfigService::class)->getInt('gold_credit_default_months', 12);
+        }
+
+        return DB::transaction(function () use ($request, $creditData, $adminId) {
+            $credit = $this->createCredit($creditData, $adminId, 'user_request');
+            $request->update([
+                'status' => 'approved',
+                'gold_credit_id' => $credit->id,
+                'admin_note' => $creditData['admin_note'] ?? $creditData['notes'] ?? null,
+            ]);
+            return $credit;
+        });
+    }
+
+    public function rejectRequest(int $requestId, ?string $adminNote = null): GoldCreditRequest
+    {
+        $request = GoldCreditRequest::where('status', 'pending')->findOrFail($requestId);
+        $request->update([
+            'status' => 'rejected',
+            'admin_note' => $adminNote,
+        ]);
+        return $request;
+    }
+
+    public function payInstallments(
+        GoldCredit $credit,
+        array $installmentIds,
+        string $payMethod,
+        ?float $goldAmount = null,
+        ?int $rialAmount = null,
+        ?int $adminId = null
+    ): array {
+        $installments = GoldCreditInstallment::where('gold_credit_id', $credit->id)
+            ->whereIn('id', $installmentIds)
+            ->orderBy('installment_number')
+            ->get();
+
+        if ($installments->isEmpty()) {
+            throw new UnprocessableEntityHttpException('قسطی یافت نشد');
+        }
+
+        $this->assertSequentialPayable($credit, $installments);
+
+        $totalDueGold = (float) $installments->sum(fn ($i) => (float) $i->total_gold + (float) $i->penalty_gold);
+        $totalDueSoot = (int) $installments->sum('amount_soot');
+        $totalPenaltyRial = (int) $installments->sum('penalty_rial');
+
+        [$payGold, $payRial] = $this->resolvePaymentAmounts(
+            $payMethod,
+            $totalDueGold,
+            $goldAmount,
+            $rialAmount
+        );
+        $payRial += $totalPenaltyRial;
+
+        $customer = Customer::findOrFail($credit->customer_id);
+        $this->deductFromWallet($customer, $payGold, $payRial, $adminId);
+
+        $now = now();
+        foreach ($installments as $installment) {
+            $isPrepaid = $installment->due_date->isFuture();
+            $installment->update([
+                'paid_gold' => (float) $installment->total_gold + (float) $installment->penalty_gold,
+                'paid_rial' => (int) $installment->penalty_rial,
+                'status' => $isPrepaid ? 'prepaid' : 'paid',
+                'paid_at' => $now,
+            ]);
+        }
+
+        $credit->increment('paid_gold', $totalDueGold);
+        $credit->increment('paid_rial', $payRial);
+
+        $remaining = GoldCreditInstallment::where('gold_credit_id', $credit->id)
+            ->whereIn('status', ['pending', 'partial', 'overdue'])
+            ->count();
+        if ($remaining === 0) {
+            $credit->update(['status' => 'completed']);
+        }
+
+        $this->refreshOverdueStatuses($credit);
+
+        $this->notifyAdminsPayment($customer, $credit, $installments, $totalDueSoot, $payGold, $payRial);
+
+        return [
+            'paid_installments' => $installments->pluck('id'),
+            'total_soot' => $totalDueSoot,
+            'paid_gold' => $payGold,
+            'paid_rial' => $payRial,
+        ];
+    }
+
+    public function refreshOverdueStatuses(GoldCredit $credit): void
+    {
+        GoldCreditInstallment::where('gold_credit_id', $credit->id)
+            ->where('status', 'pending')
+            ->where('due_date', '<', now()->toDateString())
+            ->update(['status' => 'overdue']);
+    }
+
+    public function updateCredit(int $creditId, array $data): GoldCredit
+    {
+        $credit = GoldCredit::with('installments')->findOrFail($creditId);
+        if (!in_array($credit->status, ['pending', 'active'], true)) {
+            throw new UnprocessableEntityHttpException('فقط اعتبارهای فعال قابل ویرایش هستند');
+        }
+
+        if (isset($data['notes'])) {
+            $credit->notes = $data['notes'];
+        }
+        foreach (['has_check', 'has_contract'] as $boolField) {
+            if (array_key_exists($boolField, $data)) {
+                $credit->{$boolField} = (bool) $data[$boolField];
+            }
+        }
+        foreach (['check_note', 'contract_note', 'penalty_type'] as $textField) {
+            if (array_key_exists($textField, $data)) {
+                $credit->{$textField} = $data[$textField];
+            }
+        }
+        if (array_key_exists('penalty_amount', $data)) {
+            $credit->penalty_amount = $data['penalty_amount'];
+        }
+        if (array_key_exists('grace_hours', $data)) {
+            $credit->grace_hours = $data['grace_hours'];
+        }
+        if (isset($data['status']) && in_array($data['status'], ['cancelled'], true)) {
+            $credit->status = $data['status'];
+            $credit->save();
+            return $credit;
+        }
+
+        $needsRecalc = isset($data['gold_amount']) || isset($data['months'])
+            || isset($data['interest_type']) || isset($data['interest_value']);
+
+        if ($needsRecalc) {
+            $paidNumbers = $credit->installments
+                ->whereIn('status', ['paid', 'prepaid'])
+                ->pluck('installment_number')
+                ->toArray();
+            if (count($paidNumbers) > 0) {
+                throw new UnprocessableEntityHttpException('پس از پرداخت قسط، امکان تغییر مبلغ/مدت وجود ندارد');
+            }
+
+            $goldAmount = (float) ($data['gold_amount'] ?? $credit->gold_amount);
+            $months = (int) ($data['months'] ?? $credit->months);
+            $interestType = $data['interest_type'] ?? $credit->interest_type;
+            $interestValue = (float) ($data['interest_value'] ?? $credit->interest_value);
+
+            $plan = $this->buildInstallmentPlan($goldAmount, $months, $interestType, $interestValue);
+            $credit->installments()->delete();
+
+            $startDate = Carbon::parse($credit->created_at);
+            foreach ($plan['installments'] as $item) {
+                GoldCreditInstallment::create([
+                    'gold_credit_id' => $credit->id,
+                    'installment_number' => $item['installment_number'],
+                    'due_date' => $startDate->copy()->addMonths($item['installment_number'])->toDateString(),
+                    'amount_soot' => $item['amount_soot'],
+                    'principal_gold' => $item['principal_gold'],
+                    'interest_gold' => $item['interest_gold'],
+                    'total_gold' => $item['total_gold'],
+                    'status' => 'pending',
+                ]);
+            }
+
+            $credit->fill([
+                'gold_amount' => $goldAmount,
+                'months' => $months,
+                'interest_type' => $interestType,
+                'interest_value' => $interestValue,
+                'total_interest_gold' => $plan['total_interest_gold'],
+                'total_payable_gold' => $plan['total_payable_gold'],
+            ]);
+        }
+
+        $credit->save();
+        return $credit->fresh(['installments', 'customer']);
+    }
+
+    public function getGramPriceRial(): int
+    {
+        $price = Price::query()->orderByDesc('id')->value('price');
+        return (int) ($price ?? 0);
+    }
+
+    /**
+     * هشدار SMS در سررسید + جریمه روزانه پس از مهلت (grace) + یادآوری ۱ و ۳ روز قبل.
+     * پرداخت خودکار نیست — فقط بدهی جریمه اضافه می‌شود.
+     *
+     * @return array{warnings:int,penalties:int,reminders:int}
+     */
+    public function processOverdueInstallments(): array
+    {
+        $cfg = app(ConfigService::class);
+        if (! $cfg->isGoldCreditEnabled() || ! Schema::hasTable('gold_credit_installments')) {
+            return ['warnings' => 0, 'penalties' => 0, 'reminders' => 0];
+        }
+
+        $smsEnabled = $cfg->getBool('gold_credit_overdue_sms_enabled', true);
+        $warnings = 0;
+        $penalties = 0;
+        $reminders = $this->processUpcomingDueReminders();
+
+        $installments = GoldCreditInstallment::with(['goldCredit.customer'])
+            ->whereIn('status', ['pending', 'overdue'])
+            ->where('due_date', '<=', now()->toDateString())
+            ->get();
+
+        foreach ($installments as $installment) {
+            $credit = $installment->goldCredit;
+            if (!$credit || $credit->status !== 'active') {
+                continue;
+            }
+
+            if ($installment->status === 'pending') {
+                $installment->status = 'overdue';
+                $installment->save();
+            }
+
+            if ($smsEnabled && !$installment->warning_sms_sent_at) {
+                $this->sendOverdueWarningSms($installment);
+                $installment->warning_sms_sent_at = now();
+                $installment->save();
+                $warnings++;
+            }
+
+            if ($this->applyDailyPenaltyIfDue($installment, $credit)) {
+                $penalties++;
+            }
+        }
+
+        return compact('warnings', 'penalties', 'reminders');
+    }
+
+    /** یادآوری ۳ روز و ۱ روز مانده به سررسید — برای مشتری و ادمین */
+    public function processUpcomingDueReminders(): int
+    {
+        $cfg = app(ConfigService::class);
+        if (!$cfg->getBool('gold_credit_upcoming_sms_enabled', true)) {
+            return 0;
+        }
+
+        $sent = 0;
+        $today = now()->startOfDay();
+
+        foreach ([3 => 'reminder_3d_sent_at', 1 => 'reminder_1d_sent_at'] as $days => $field) {
+            $targetDate = $today->copy()->addDays($days)->toDateString();
+            $installments = GoldCreditInstallment::with(['goldCredit.customer'])
+                ->where('status', 'pending')
+                ->whereNull($field)
+                ->whereDate('due_date', $targetDate)
+                ->get();
+
+            foreach ($installments as $installment) {
+                $credit = $installment->goldCredit;
+                if (!$credit || $credit->status !== 'active') {
+                    continue;
+                }
+                $this->sendUpcomingReminderSms($installment, $days);
+                $installment->{$field} = now();
+                $installment->save();
+                $sent++;
+            }
+        }
+
+        return $sent;
+    }
+
+    public function notifyAdminsLoanRequest(GoldCreditRequest $request): void
+    {
+        $cfg = app(ConfigService::class);
+        if (!$cfg->getBool('gold_credit_admin_sms_enabled', true)) {
+            return;
+        }
+
+        $customer = Customer::find($request->customer_id);
+        $company = $cfg->get('name_fa', '');
+        $message = sprintf(
+            "درخواست اعتبار طلایی جدید\nمشتری: %s\nموبایل: %s\nمقدار: %s گرم\nمدت: %s ماه\n%s",
+            $customer->name ?? '-',
+            $customer->mobile ?? '-',
+            $request->requested_gold,
+            $request->requested_months ?? '-',
+            $company
+        );
+        $this->notifyAdminsSms($message, 'gold_credit_request');
+    }
+
+    private function notifyAdminsPayment(
+        Customer $customer,
+        GoldCredit $credit,
+        $installments,
+        int $totalSoot,
+        float $payGold,
+        int $payRial
+    ): void {
+        $cfg = app(ConfigService::class);
+        if (!$cfg->getBool('gold_credit_admin_sms_enabled', true)) {
+            return;
+        }
+
+        $numbers = $installments->pluck('installment_number')->implode(',');
+        $company = $cfg->get('name_fa', '');
+        $message = sprintf(
+            "پرداخت قسط اعتبار طلایی\nمشتری: %s\nموبایل: %s\nاقساط: %s\nمبلغ: %s سوت\nطلا: %s گرم / ریال: %s\n%s",
+            $customer->name ?? '-',
+            $customer->mobile ?? '-',
+            $numbers,
+            number_format($totalSoot),
+            $payGold,
+            number_format($payRial),
+            $company
+        );
+        $this->notifyAdminsSms($message, 'gold_credit_payment');
+    }
+
+    private function notifyAdminsSms(string $message, string $source): void
+    {
+        User::where('send_sms', 1)->get()->each(function ($admin) use ($message, $source) {
+            if (!$admin->mobile) {
+                return;
+            }
+            try {
+                app(\App\Services\SmsBilling\SmsGatewayService::class)
+                    ->send($admin->mobile, $message, $source);
+            } catch (\Throwable $e) {
+                Log::warning('gold credit admin sms failed', [
+                    'admin_id' => $admin->id,
+                    'source' => $source,
+                    'error' => $e->getMessage(),
+                ]);
+            }
+        });
+    }
+
+    private function sendUpcomingReminderSms(GoldCreditInstallment $installment, int $daysLeft): void
+    {
+        $customer = $installment->goldCredit?->customer;
+        $cfg = app(ConfigService::class);
+        $company = $cfg->get('name_fa', '');
+        $soot = number_format((int) $installment->amount_soot);
+
+        $customerMsg = sprintf(
+            "%s عزیز، %d روز تا سررسید قسط شماره %d اعتبار طلایی باقی مانده است.\nمبلغ قسط: %s سوت\nلطفاً از بخش اعتبار طلایی پرداخت کنید.\n%s",
+            $customer->name ?? 'کاربر',
+            $daysLeft,
+            $installment->installment_number,
+            $soot,
+            $company
+        );
+
+        if ($customer?->mobile) {
+            try {
+                app(\App\Services\SmsBilling\SmsGatewayService::class)
+                    ->send($customer->mobile, $customerMsg, 'gold_credit_upcoming');
+            } catch (\Throwable $e) {
+                Log::warning('gold credit upcoming sms failed', [
+                    'installment_id' => $installment->id,
+                    'error' => $e->getMessage(),
+                ]);
+            }
+        }
+
+        if ($cfg->getBool('gold_credit_admin_sms_enabled', true)) {
+            $adminMsg = sprintf(
+                "اخطار سررسید اعتبار طلایی\n%d روز مانده\nمشتری: %s\nموبایل: %s\nقسط %d — %s سوت\n%s",
+                $daysLeft,
+                $customer->name ?? '-',
+                $customer->mobile ?? '-',
+                $installment->installment_number,
+                $soot,
+                $company
+            );
+            $this->notifyAdminsSms($adminMsg, 'gold_credit_upcoming_admin');
+        }
+    }
+
+    public function resolvePenaltyConfig(GoldCredit $credit): array
+    {
+        $cfg = app(ConfigService::class);
+        $type = $credit->penalty_type ?: $cfg->get('gold_credit_penalty_type', 'rial');
+        $type = in_array($type, ['rial', 'gold'], true) ? $type : 'rial';
+        $amount = $credit->penalty_amount !== null
+            ? (float) $credit->penalty_amount
+            : (float) $cfg->get('gold_credit_penalty_amount', '1000000');
+        $grace = $credit->grace_hours !== null
+            ? (int) $credit->grace_hours
+            : $cfg->getInt('gold_credit_grace_hours', 24);
+
+        return [
+            'type' => $type,
+            'amount' => $amount,
+            'grace_hours' => max(0, $grace),
+        ];
+    }
+
+    private function sendOverdueWarningSms(GoldCreditInstallment $installment): void
+    {
+        $customer = $installment->goldCredit?->customer;
+        if (!$customer?->mobile) {
+            return;
+        }
+
+        $cfg = app(ConfigService::class);
+        $grace = $this->resolvePenaltyConfig($installment->goldCredit)['grace_hours'];
+        $penalty = $this->resolvePenaltyConfig($installment->goldCredit);
+        $penaltyLabel = $penalty['type'] === 'gold'
+            ? number_format($penalty['amount'], 4) . ' گرم طلا'
+            : number_format((int) $penalty['amount']) . ' ریال';
+
+        $template = $cfg->get(
+            'gold_credit_overdue_sms_text',
+            'قسط شماره {n} سررسید شده است. در صورت عدم پرداخت تا {hours} ساعت آینده، روزانه {penalty} به بدهی شما اضافه می‌شود.'
+        );
+        $message = str_replace(
+            ['{n}', '{hours}', '{penalty}', '{name}'],
+            [
+                (string) $installment->installment_number,
+                (string) $grace,
+                $penaltyLabel,
+                $customer->name ?? '',
+            ],
+            (string) $template
+        );
+        $message .= "\n" . $cfg->get('name_fa', '');
+
+        try {
+            app(\App\Services\SmsBilling\SmsGatewayService::class)
+                ->send($customer->mobile, $message, 'gold_credit_overdue');
+        } catch (\Throwable $e) {
+            \Illuminate\Support\Facades\Log::warning('gold credit overdue sms failed', [
+                'installment_id' => $installment->id,
+                'error' => $e->getMessage(),
+            ]);
+        }
+    }
+
+    private function applyDailyPenaltyIfDue(GoldCreditInstallment $installment, GoldCredit $credit): bool
+    {
+        if (!$installment->warning_sms_sent_at) {
+            return false;
+        }
+
+        $config = $this->resolvePenaltyConfig($credit);
+        $graceEnds = Carbon::parse($installment->warning_sms_sent_at)->addHours($config['grace_hours']);
+        if (now()->lt($graceEnds)) {
+            return false;
+        }
+
+        if (!$installment->penalty_started_at) {
+            $installment->penalty_started_at = now();
+        }
+
+        $last = $installment->last_penalty_at
+            ? Carbon::parse($installment->last_penalty_at)->startOfDay()
+            : null;
+        $today = now()->startOfDay();
+        if ($last && $last->equalTo($today)) {
+            return false;
+        }
+
+        if ($config['type'] === 'gold') {
+            $installment->penalty_gold = round((float) $installment->penalty_gold + $config['amount'], 6);
+        } else {
+            $installment->penalty_rial = (int) $installment->penalty_rial + (int) round($config['amount']);
+        }
+        $installment->penalty_days = (int) $installment->penalty_days + 1;
+        $installment->last_penalty_at = now();
+        $installment->status = 'overdue';
+        $installment->save();
+
+        return true;
+    }
+
+    private function calculateTotalInterest(
+        float $goldAmount,
+        int $months,
+        string $interestType,
+        float $interestValue
+    ): float {
+        return match ($interestType) {
+            'percent' => round($goldAmount * ($interestValue / 100) * $months, 6),
+            'fixed_gram' => round($interestValue * $months, 6),
+            default => 0,
+        };
+    }
+
+    private function assertSequentialPayable(GoldCredit $credit, $installments): void
+    {
+        $allPending = GoldCreditInstallment::where('gold_credit_id', $credit->id)
+            ->whereIn('status', ['pending', 'overdue', 'partial'])
+            ->orderBy('installment_number')
+            ->get();
+
+        $expectedIds = $allPending->take($installments->count())->pluck('id')->sort()->values();
+        $actualIds = $installments->pluck('id')->sort()->values();
+
+        if ($expectedIds->toArray() !== $actualIds->toArray()) {
+            throw new UnprocessableEntityHttpException('اقساط باید به ترتیب و بدون پرش پرداخت شوند');
+        }
+
+        foreach ($installments as $installment) {
+            if (!in_array($installment->status, ['pending', 'overdue', 'partial'], true)) {
+                throw new UnprocessableEntityHttpException('یکی از اقساط انتخاب‌شده قبلاً پرداخت شده است');
+            }
+        }
+    }
+
+    private function resolvePaymentAmounts(
+        string $payMethod,
+        float $totalDueGold,
+        ?float $goldAmount,
+        ?int $rialAmount
+    ): array {
+        return match ($payMethod) {
+            'gold' => [$totalDueGold, 0],
+            'rial' => [0, $this->goldToRial($totalDueGold)],
+            'mixed' => [
+                (float) ($goldAmount ?? 0),
+                (int) ($rialAmount ?? 0),
+            ],
+            default => throw new UnprocessableEntityHttpException('روش پرداخت نامعتبر است'),
+        };
+    }
+
+    public function defaultTiers(): array
+    {
+        return [
+            ['min_gram' => 0.5, 'max_gram' => 1, 'credit_gram' => 3, 'monthly_soot' => 250, 'months' => 12],
+            ['min_gram' => 1, 'max_gram' => 2, 'credit_gram' => 4, 'monthly_soot' => 333, 'months' => 12],
+            ['min_gram' => 2, 'max_gram' => 3, 'credit_gram' => 5, 'monthly_soot' => 417, 'months' => 12],
+        ];
+    }
+
+    public function getTiers(): array
+    {
+        $cfg = app(ConfigService::class);
+        $raw = $cfg->getString('gold_credit_tiers', '');
+        if ($raw === '') {
+            return $this->defaultTiers();
+        }
+        $decoded = json_decode($raw, true);
+        if (!is_array($decoded) || count($decoded) === 0) {
+            return $this->defaultTiers();
+        }
+        return array_values(array_map(function ($tier) {
+            return [
+                'min_gram' => (float) ($tier['min_gram'] ?? 0),
+                'max_gram' => (float) ($tier['max_gram'] ?? 0),
+                'credit_gram' => (float) ($tier['credit_gram'] ?? 0),
+                'monthly_soot' => (int) ($tier['monthly_soot'] ?? 0),
+                'months' => (int) ($tier['months'] ?? 12),
+            ];
+        }, $decoded));
+    }
+
+    public function resolveTierForBalance(float $goldBalance): ?array
+    {
+        $tiers = $this->getTiers();
+        $count = count($tiers);
+        foreach ($tiers as $i => $tier) {
+            $min = (float) $tier['min_gram'];
+            $max = (float) $tier['max_gram'];
+            $isLast = $i === $count - 1;
+            if ($goldBalance >= $min && ($isLast ? $goldBalance <= $max : $goldBalance < $max)) {
+                return $tier;
+            }
+        }
+        return null;
+    }
+
+    public function getCustomerGoldBalance(int $customerId): float
+    {
+        $customer = Customer::findOrFail($customerId);
+        $walletOwnerType = $customer->resolveWalletOwnerType();
+        $wallet = Wallet::where('owner', $customerId)
+            ->where('owner_type', $walletOwnerType)
+            ->whereNull('fund_id')
+            ->whereNull('product_id')
+            ->first();
+
+        return round((float) ($wallet->gold ?? 0), 4);
+    }
+
+    public function getPublicConfig(): array
+    {
+        $cfg = app(ConfigService::class);
+        $defaultInfo = "اعتبار طلایی بر اساس موجودی طلای شما در قلک اعطا می‌شود.\n"
+            . "• کاربران با موجودی ۵۰۰ سوت تا ۱ گرم: ۳ گرم اعتبار — بازپرداخت ماهانه ۲۵۰ سوت\n"
+            . "• کاربران با موجودی ۱ تا ۲ گرم: ۴ گرم اعتبار — بازپرداخت ماهانه ۳۳۳ سوت\n"
+            . "• کاربران با موجودی ۲ تا ۳ گرم: ۵ گرم اعتبار — بازپرداخت ماهانه ۴۱۷ سوت\n"
+            . "بازپرداخت همه طرح‌ها ۱۲ ماهه است.";
+        $defaultSuccess = 'درخواست شما ثبت شد و در حال بررسی است. تا ۲۴ ساعت آینده با شما تماس گرفته می‌شود و توضیحات تکمیلی توسط کارشناس ارائه خواهد شد.';
+
+        return [
+            'min_balance_gram' => (float) $cfg->get('gold_credit_min_balance_gram', '0.5'),
+            'info_text' => $cfg->getString('gold_credit_info_text', $defaultInfo),
+            'request_success_text' => $cfg->getString('gold_credit_request_success_text', $defaultSuccess),
+            'default_months' => $cfg->getInt('gold_credit_default_months', 12),
+            'pay_methods' => [
+                'gold' => $cfg->getBool('gold_credit_pay_gold_enabled', true),
+                'rial' => $cfg->getBool('gold_credit_pay_rial_enabled', false),
+                'mixed' => $cfg->getBool('gold_credit_pay_mixed_enabled', false),
+            ],
+            'tiers' => $this->getTiers(),
+        ];
+    }
+
+    public function assertPayMethodAllowed(string $payMethod): void
+    {
+        $methods = $this->getPublicConfig()['pay_methods'];
+        if (empty($methods[$payMethod])) {
+            throw new UnprocessableEntityHttpException('این روش پرداخت فعال نیست');
+        }
+    }
+
+    private function goldToRial(float $gold): int
+    {
+        $gramPrice = $this->getGramPriceRial();
+        if ($gramPrice <= 0) {
+            throw new UnprocessableEntityHttpException('قیمت طلا در دسترس نیست');
+        }
+        return (int) ceil($gold * $gramPrice);
+    }
+
+    private function deductFromWallet(Customer $customer, float $payGold, int $payRial, ?int $adminId): void
+    {
+        $walletOwnerType = $customer->resolveWalletOwnerType();
+        $wallet = Wallet::where('owner', $customer->id)
+            ->where('owner_type', $walletOwnerType)
+            ->whereNull('fund_id')
+            ->whereNull('product_id')
+            ->first();
+
+        if ($payGold > 0) {
+            $available = $wallet ? (float) $wallet->gold : 0;
+            if ($payGold > $available) {
+                throw new UnprocessableEntityHttpException('موجودی طلای کیف پول کافی نیست');
+            }
+        }
+
+        if ($payRial > 0) {
+            $mainWallet = app(MainWalletProductService::class);
+            foreach (app(ConfigService::class)->mainWalletProductIds() as $productId) {
+                $mainWallet->consolidateOrphanedForOwner($customer->id, $walletOwnerType, (int) $productId);
+            }
+            $availableCash = $mainWallet->effectiveMainWalletCash($customer->id, $walletOwnerType);
+            if ($payRial > $availableCash) {
+                throw new UnprocessableEntityHttpException('موجودی ریالی کیف پول کافی نیست');
+            }
+        }
+
+        $walletInterface = new WalletInterface($customer->id, $walletOwnerType);
+        $note = 'بازپرداخت اعتبار طلایی';
+
+        if ($payGold > 0) {
+            $withdraw = Withdraw::create([
+                'user_id' => $adminId,
+                'customer_id' => $customer->id,
+                'gold' => -$payGold,
+                'note' => $note,
+                'sts' => 4,
+            ]);
+            new TransactionInterface($walletInterface, [
+                'cash' => 0,
+                'gold' => -$payGold,
+                'expire_at' => now(),
+                'note' => $note,
+                'withdraw_id' => $withdraw->id,
+                'active' => true,
+            ], 7, false, false, 0);
+        }
+
+        if ($payRial > 0) {
+            $withdraw = Withdraw::create([
+                'user_id' => $adminId,
+                'customer_id' => $customer->id,
+                'cash' => -$payRial,
+                'note' => $note,
+                'sts' => 4,
+            ]);
+            new TransactionInterface($walletInterface, [
+                'cash' => -$payRial,
+                'gold' => 0,
+                'expire_at' => now(),
+                'note' => $note,
+                'withdraw_id' => $withdraw->id,
+                'active' => true,
+            ], 4, false, false);
+        }
+    }
+}

app/Services/SuperAdminProgramSettingsOverlay.php

@@ -11,7 +11,7 @@ use App\Models\Setting;
 class SuperAdminProgramSettingsOverlay
 {
     /**
-     * فقط این ۱۴ دسترسی از سوپرادمین خوانده می‌شود.
+     * فقط این ۱۵ دسترسی از سوپرادمین خوانده می‌شود.
      * هر کلید دیگری (قیمت، ساعت کاری، برندینگ، …) مال پنل خانگی است.
      */
     public const SUPERADMIN_OWNED_KEYS = [
@@ -20,6 +20,7 @@ class SuperAdminProgramSettingsOverlay
         'enable_automation',
         'enable_conditional_order',
         'enable_customer_level_profit',
+        'enable_gold_credit',
         'enable_product_funds',
         'group_sms',
         'has_page_earn_money',
@@ -37,6 +38,7 @@ class SuperAdminProgramSettingsOverlay
      */
     public const CLIENT_FEATURE_KEYS = [
         'enable_conditional_order',
+        'enable_gold_credit',
         'enable_product_funds',
         'has_page_earn_money',
         'has_page_gift_card',
@@ -117,7 +119,7 @@ class SuperAdminProgramSettingsOverlay
     }
 
     /**
-     * آخرین مقادیر ۱۴ دسترسی را در settings لوکال ذخیره می‌کند (can_edit=0).
+     * آخرین مقادیر ۱۵ دسترسی را در settings لوکال ذخیره می‌کند (can_edit=0).
      *
      * @param  array<string, array<string, mixed>>  $map
      */

database/migrations/2026_08_28_000001_create_gold_credit_tables.php

@@ -0,0 +1,79 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::create('gold_credits', function (Blueprint $table) {
+            $table->id();
+            $table->unsignedBigInteger('customer_id');
+            $table->decimal('gold_amount', 12, 4);
+            $table->unsignedSmallInteger('months');
+            $table->enum('interest_type', ['none', 'percent', 'fixed_gram'])->default('none');
+            $table->decimal('interest_value', 12, 4)->default(0);
+            $table->enum('delivery_method', ['auto', 'manual', 'in_person'])->default('manual');
+            $table->enum('status', ['pending', 'active', 'completed', 'cancelled'])->default('active');
+            $table->enum('source', ['admin_direct', 'user_request'])->default('admin_direct');
+            $table->decimal('total_interest_gold', 12, 4)->default(0);
+            $table->decimal('total_payable_gold', 12, 4)->default(0);
+            $table->decimal('paid_gold', 12, 4)->default(0);
+            $table->unsignedBigInteger('paid_rial')->default(0);
+            $table->unsignedBigInteger('created_by')->nullable();
+            $table->text('notes')->nullable();
+            $table->timestamps();
+
+            $table->foreign('customer_id', 'gc_credit_customer_fk')
+                ->references('id')->on('customers')->cascadeOnDelete();
+            $table->index(['customer_id', 'status'], 'gc_credit_cust_st_idx');
+        });
+
+        Schema::create('gold_credit_installments', function (Blueprint $table) {
+            $table->id();
+            $table->unsignedBigInteger('gold_credit_id');
+            $table->unsignedSmallInteger('installment_number');
+            $table->date('due_date');
+            $table->unsignedInteger('amount_soot');
+            $table->decimal('principal_gold', 12, 6)->default(0);
+            $table->decimal('interest_gold', 12, 6)->default(0);
+            $table->decimal('total_gold', 12, 6)->default(0);
+            $table->decimal('paid_gold', 12, 6)->default(0);
+            $table->unsignedBigInteger('paid_rial')->default(0);
+            $table->enum('status', ['pending', 'paid', 'partial', 'overdue', 'prepaid'])->default('pending');
+            $table->timestamp('paid_at')->nullable();
+            $table->timestamps();
+
+            $table->foreign('gold_credit_id', 'gc_inst_credit_fk')
+                ->references('id')->on('gold_credits')->cascadeOnDelete();
+            $table->unique(['gold_credit_id', 'installment_number'], 'gc_inst_num_uniq');
+        });
+
+        Schema::create('gold_credit_requests', function (Blueprint $table) {
+            $table->id();
+            $table->unsignedBigInteger('customer_id');
+            $table->decimal('requested_gold', 12, 4);
+            $table->unsignedSmallInteger('requested_months')->nullable();
+            $table->text('note')->nullable();
+            $table->enum('status', ['pending', 'approved', 'rejected'])->default('pending');
+            $table->text('admin_note')->nullable();
+            $table->unsignedBigInteger('gold_credit_id')->nullable();
+            $table->timestamps();
+
+            $table->foreign('customer_id', 'gc_req_customer_fk')
+                ->references('id')->on('customers')->cascadeOnDelete();
+            $table->foreign('gold_credit_id', 'gc_req_credit_fk')
+                ->references('id')->on('gold_credits')->nullOnDelete();
+            $table->index(['customer_id', 'status'], 'gc_req_cust_st_idx');
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::dropIfExists('gold_credit_requests');
+        Schema::dropIfExists('gold_credit_installments');
+        Schema::dropIfExists('gold_credits');
+    }
+};

database/migrations/2026_08_28_000002_add_gold_credit_penalty_and_guarantee.php

@@ -0,0 +1,56 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::table('gold_credits', function (Blueprint $table) {
+            $table->boolean('has_check')->default(false)->after('notes');
+            $table->boolean('has_contract')->default(false)->after('has_check');
+            $table->string('check_note')->nullable()->after('has_contract');
+            $table->string('contract_note')->nullable()->after('check_note');
+            $table->enum('penalty_type', ['rial', 'gold'])->nullable()->after('contract_note');
+            $table->decimal('penalty_amount', 14, 4)->nullable()->after('penalty_type');
+            $table->unsignedSmallInteger('grace_hours')->nullable()->after('penalty_amount');
+        });
+
+        Schema::table('gold_credit_installments', function (Blueprint $table) {
+            $table->timestamp('warning_sms_sent_at')->nullable()->after('paid_at');
+            $table->timestamp('penalty_started_at')->nullable()->after('warning_sms_sent_at');
+            $table->timestamp('last_penalty_at')->nullable()->after('penalty_started_at');
+            $table->unsignedInteger('penalty_days')->default(0)->after('last_penalty_at');
+            $table->unsignedBigInteger('penalty_rial')->default(0)->after('penalty_days');
+            $table->decimal('penalty_gold', 12, 6)->default(0)->after('penalty_rial');
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::table('gold_credits', function (Blueprint $table) {
+            $table->dropColumn([
+                'has_check',
+                'has_contract',
+                'check_note',
+                'contract_note',
+                'penalty_type',
+                'penalty_amount',
+                'grace_hours',
+            ]);
+        });
+
+        Schema::table('gold_credit_installments', function (Blueprint $table) {
+            $table->dropColumn([
+                'warning_sms_sent_at',
+                'penalty_started_at',
+                'last_penalty_at',
+                'penalty_days',
+                'penalty_rial',
+                'penalty_gold',
+            ]);
+        });
+    }
+};

database/migrations/2026_08_28_000003_add_gold_credit_upcoming_reminder_columns.php

@@ -0,0 +1,23 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::table('gold_credit_installments', function (Blueprint $table) {
+            $table->timestamp('reminder_3d_sent_at')->nullable()->after('warning_sms_sent_at');
+            $table->timestamp('reminder_1d_sent_at')->nullable()->after('reminder_3d_sent_at');
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::table('gold_credit_installments', function (Blueprint $table) {
+            $table->dropColumn(['reminder_3d_sent_at', 'reminder_1d_sent_at']);
+        });
+    }
+};

database/migrations/2026_08_29_000010_add_gold_credit_settings.php

@@ -0,0 +1,73 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Support\Facades\DB;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        if (! Schema::hasTable('settings')) {
+            return;
+        }
+
+        $rows = [
+            // SuperAdmin-owned feature flag (default off). Local copy; overlay may overwrite.
+            [
+                'key' => 'enable_gold_credit',
+                'value' => 'false',
+                'title_fa' => 'اعتبار طلایی',
+                'description' => 'روشن: منوی اعتبار در ادمین و صفحه اعتبار در اپ مشتری فعال می‌شود. خاموش: غیرفعال. فقط از سوپرادمین قابل تغییر است.',
+                'can_edit' => 0,
+                'is_active' => 1,
+                'type' => 'switch',
+            ],
+            ['key' => 'gold_credit_penalty_type', 'value' => 'rial', 'title_fa' => 'نوع جریمه اعتبار طلایی', 'description' => 'ریالی یا طلایی|rial,gold', 'can_edit' => 1, 'is_active' => 1, 'type' => 'select'],
+            ['key' => 'gold_credit_penalty_amount', 'value' => '1000000', 'title_fa' => 'مبلغ جریمه روزانه اعتبار طلایی', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'number'],
+            ['key' => 'gold_credit_grace_hours', 'value' => '24', 'title_fa' => 'مهلت پرداخت بعد از سررسید (ساعت)', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'number'],
+            ['key' => 'gold_credit_default_months', 'value' => '12', 'title_fa' => 'تعداد ماه پیش‌فرض اعتبار طلایی', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'number'],
+            ['key' => 'gold_credit_min_balance_gram', 'value' => '0.5', 'title_fa' => 'حداقل موجودی طلا برای درخواست (گرم)', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'number'],
+            ['key' => 'gold_credit_overdue_sms_enabled', 'value' => 'true', 'title_fa' => 'ارسال SMS هشدار سررسید اعتبار طلایی', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'switch'],
+            ['key' => 'gold_credit_admin_sms_enabled', 'value' => 'true', 'title_fa' => 'پیامک ادمین برای درخواست و پرداخت اعتبار طلایی', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'switch'],
+            ['key' => 'gold_credit_upcoming_sms_enabled', 'value' => 'true', 'title_fa' => 'یادآوری ۱ و ۳ روز مانده به سررسید قسط', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'switch'],
+            ['key' => 'gold_credit_pay_gold_enabled', 'value' => 'true', 'title_fa' => 'پرداخت اقساط با طلا', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'switch'],
+            ['key' => 'gold_credit_pay_rial_enabled', 'value' => 'false', 'title_fa' => 'پرداخت اقساط با ریال', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'switch'],
+            ['key' => 'gold_credit_pay_mixed_enabled', 'value' => 'false', 'title_fa' => 'پرداخت اقساط ترکیبی', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'switch'],
+            ['key' => 'gold_credit_overdue_sms_text', 'value' => 'مشتری گرامی، قسط اعتبار طلایی شما سررسید شده است.', 'title_fa' => 'متن SMS سررسید اعتبار طلایی', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'longtext'],
+            ['key' => 'gold_credit_info_text', 'value' => '', 'title_fa' => 'متن راهنمای اعتبار طلایی', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'longtext'],
+            ['key' => 'gold_credit_request_success_text', 'value' => 'درخواست شما ثبت شد و حداکثر تا ۲۴ ساعت بررسی می‌شود.', 'title_fa' => 'متن پس از ثبت درخواست اعتبار', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'longtext'],
+            ['key' => 'gold_credit_tiers', 'value' => '[]', 'title_fa' => 'سطوح اعتبار طلایی (JSON)', 'description' => '', 'can_edit' => 1, 'is_active' => 1, 'type' => 'longtext'],
+        ];
+
+        $hasType = Schema::hasColumn('settings', 'type');
+        $hasShow = Schema::hasColumn('settings', 'show_to_user');
+
+        foreach ($rows as $row) {
+            $exists = DB::table('settings')->where('key', $row['key'])->exists();
+            if ($exists) {
+                continue;
+            }
+            $insert = [
+                'key' => $row['key'],
+                'value' => $row['value'],
+                'title_fa' => $row['title_fa'],
+                'description' => $row['description'],
+                'can_edit' => $row['can_edit'],
+                'is_active' => $row['is_active'],
+            ];
+            if ($hasType) {
+                $insert['type'] = $row['type'];
+            }
+            if ($hasShow && $row['key'] === 'enable_gold_credit') {
+                $insert['show_to_user'] = 1;
+            }
+            DB::table('settings')->insert($insert);
+        }
+    }
+
+    public function down(): void
+    {
+        // keep data
+    }
+};

routes/admin.php

@@ -22,6 +22,7 @@ use App\Http\Controllers\Admin\PargarController;
 use App\Http\Controllers\Admin\FileController;
 use App\Http\Controllers\Site\OfferCodesController;
 use App\Http\Controllers\Admin\SettingsController;
+use App\Http\Controllers\Admin\GoldCreditController as AdminGoldCreditController;
 use \App\Http\Controllers\Admin\GiftCardController;
 use App\Http\Controllers\Admin\CategoryController;
 use App\Http\Controllers\Chat\SupportChatNotifyController;
@@ -169,6 +170,18 @@ Route::middleware('auth:user')->group(function (){
         //-------------wallet
         Route::post('/wallet/charge',[WalletController::class,'charge']);
         Route::post('/wallet/charge_gold',[WalletController::class,'charge_gold']);
+
+        //-------------gold credit
+        Route::post('/gold_credit/preview', [AdminGoldCreditController::class, 'preview']);
+        Route::post('/gold_credit/table', [AdminGoldCreditController::class, 'table']);
+        Route::post('/gold_credit/requests/table', [AdminGoldCreditController::class, 'requestsTable']);
+        Route::post('/gold_credit/installments/pay', [AdminGoldCreditController::class, 'payInstallments']);
+        Route::post('/gold_credit/requests/{id}/approve', [AdminGoldCreditController::class, 'approveRequest']);
+        Route::post('/gold_credit/requests/{id}/reject', [AdminGoldCreditController::class, 'rejectRequest']);
+        Route::post('/customers/{id}/gold_credit/installments', [AdminGoldCreditController::class, 'customerInstallments']);
+        Route::put('/gold_credit/{id}', [AdminGoldCreditController::class, 'update']);
+        Route::post('/gold_credit', [AdminGoldCreditController::class, 'store']);
+
         Route::post('/wallet/charge_wallet',[WalletController::class,'charge_wallet']);
         Route::get('/wallet/charge-targets',[WalletController::class,'chargeTargets']);
         Route::post('/wallet/table',[WalletController::class,'indexWallet']);

routes/customer.php

@@ -1,6 +1,7 @@
 <?php
 
 use App\Http\Controllers\Customer\CustomerController;
+use App\Http\Controllers\Customer\GoldCreditController;
 use App\Http\Controllers\Customer\OrderController;
 use App\Http\Controllers\Customer\AddressController;
 use App\Http\Controllers\Customer\WalletController;
@@ -158,6 +159,11 @@ Route::middleware(['auth:customer', 'customer.active'])->group(function () use (
         //offer code
         Route::post('offer_code/check_code', [OfferCodesController::class, 'check_code']);
 
+        //--------------------gold credit
+        Route::get('gold_credit', [GoldCreditController::class, 'show']);
+        Route::post('gold_credit/request', [GoldCreditController::class, 'requestLoan']);
+        Route::post('gold_credit/installments/pay', [GoldCreditController::class, 'payInstallments']);
+
         if ($isStore) {
             Route::post('vc_validate', [havaleController::class, 'virtualCardValidate']);
             Route::post('havale', [havaleController::class, 'havale']);
@@ -168,3 +174,4 @@ Route::middleware(['auth:customer', 'customer.active'])->group(function () use (
 
     });
 });
+

tests/Unit/SuperAdminProgramSettingsOverlayTest.php

@@ -16,6 +16,7 @@ class SuperAdminProgramSettingsOverlayTest extends TestCase
             'enable_automation',
             'enable_conditional_order',
             'enable_customer_level_profit',
+            'enable_gold_credit',
             'enable_product_funds',
             'group_sms',
             'has_page_earn_money',
@@ -28,7 +29,7 @@ class SuperAdminProgramSettingsOverlayTest extends TestCase
         ];
 
         $this->assertSame($expected, SuperAdminProgramSettingsOverlay::SUPERADMIN_OWNED_KEYS);
-        $this->assertCount(14, SuperAdminProgramSettingsOverlay::SUPERADMIN_OWNED_KEYS);
+        $this->assertCount(15, SuperAdminProgramSettingsOverlay::SUPERADMIN_OWNED_KEYS);
     }
 
     public function test_overlay_keeps_only_access_keys(): void