diff --git a/app/Console/Commands/AutoCreditOverdue.php b/app/Console/Commands/AutoCreditOverdue.php
new file mode 100644
index 0000000..7990258
--- /dev/null
+++ b/app/Console/Commands/AutoCreditOverdue.php
@@ -0,0 +1,63 @@
+<?php
+
+namespace App\Console\Commands;
+
+use App\CreditIeoOrder;
+use App\CreditLine;
+use App\AccountLog;
+use Illuminate\Console\Command;
+use Illuminate\Support\Facades\DB;
+
+class AutoCreditOverdue extends Command
+{
+    protected $signature = "auto_credit_overdue";
+    protected $description = "标记超期信用IEO订单为逾期";
+
+    public function handle()
+    {
+        $orders = CreditIeoOrder::where('status', 0)->get();
+        $marked = 0;
+
+        foreach ($orders as $order) {
+            $line = CreditLine::find($order->credit_line_id);
+            if (!$line) continue;
+
+            $cycleDays = intval($line->cycle_days) ?: 15;
+            $createdTs = strtotime((string)$order->created_at);
+            if (!$createdTs) continue;
+
+            $elapsed = (int)ceil((time() - $createdTs) / 86400);
+            if ($elapsed <= $cycleDays) continue;
+
+            DB::beginTransaction();
+            try {
+                $affected = CreditIeoOrder::where('id', $order->id)
+                    ->where('status', 0)
+                    ->update(['status' => 3]);
+
+                if ($affected > 0) {
+                    $maxInterestDays = min($elapsed, $cycleDays * 3);
+                    $interest = sprintf("%.6f", $order->amount * $line->daily_rate * $maxInterestDays);
+
+                    CreditIeoOrder::where('id', $order->id)
+                        ->update(['interest' => $interest]);
+
+                    AccountLog::insertLog(
+                        ['user_id' => $order->user_id, 'value' => 0, 'info' => 'Credit IEO overdue #' . $order->id, 'type' => AccountLog::MICRO_TRADE_CLOSE_SETTLE, 'currency' => 3],
+                        ['balance_type' => 1, 'wallet_id' => 0, 'lock_type' => 0, 'before' => 0, 'change' => 0, 'after' => 0]
+                    );
+                    $marked++;
+                }
+
+                DB::commit();
+            } catch (\Exception $e) {
+                DB::rollBack();
+                $this->error("Order #{$order->id} error: " . $e->getMessage());
+            }
+        }
+
+        if ($marked > 0) {
+            $this->info("Marked {$marked} orders as overdue");
+        }
+    }
+}
diff --git a/app/CreditIeoOrder.php b/app/CreditIeoOrder.php
new file mode 100644
index 0000000..58fe974
--- /dev/null
+++ b/app/CreditIeoOrder.php
@@ -0,0 +1,13 @@
+<?php
+namespace App;
+use Illuminate\Database\Eloquent\Model;
+
+class CreditIeoOrder extends Model
+{
+    protected $table = 'credit_ieo_order';
+    protected $fillable = ['user_id','credit_line_id','project_id','amount','token_amount','status','repaid_amount','interest'];
+
+    public function user() { return $this->belongsTo(Users::class, 'user_id'); }
+    public function creditLine() { return $this->belongsTo(CreditLine::class, 'credit_line_id'); }
+    public function project() { return $this->belongsTo(IeoProject::class, 'project_id'); }
+}
diff --git a/app/CreditLine.php b/app/CreditLine.php
new file mode 100644
index 0000000..7794518
--- /dev/null
+++ b/app/CreditLine.php
@@ -0,0 +1,11 @@
+<?php
+namespace App;
+use Illuminate\Database\Eloquent\Model;
+
+class CreditLine extends Model
+{
+    protected $table = 'credit_line';
+    protected $fillable = ['user_id','total_amount','used_amount','available_amount','daily_rate','cycle_days','credit_score','status'];
+
+    public function user() { return $this->belongsTo(Users::class, 'user_id'); }
+}
diff --git a/app/Http/Controllers/Admin/CreditController.php b/app/Http/Controllers/Admin/CreditController.php
new file mode 100644
index 0000000..ab75f92
--- /dev/null
+++ b/app/Http/Controllers/Admin/CreditController.php
@@ -0,0 +1,113 @@
+<?php
+namespace App\Http\Controllers\Admin;
+
+use App\CreditLine;
+use App\CreditIeoOrder;
+use Illuminate\Http\Request;
+use Illuminate\Support\Facades\DB;
+
+class CreditController extends Controller
+{
+    public function index() { return view('manages.credit.index'); }
+    public function orderIndex() { return view('manages.credit.orders'); }
+
+    public function list(Request $request)
+    {
+        $query = CreditLine::query()
+            ->leftJoin('users', 'credit_line.user_id', '=', 'users.id')
+            ->select(
+                'credit_line.*',
+                'users.phone as user_phone',
+                'users.email as user_email'
+            );
+
+        $user_id = $request->input('user_id');
+        if ($user_id) $query->where('credit_line.user_id', $user_id);
+        $keyword = $request->input('keyword');
+        if ($keyword) {
+            $query->where(function ($q) use ($keyword) {
+                $q->where('users.phone', 'like', "%{$keyword}%")
+                  ->orWhere('users.email', 'like', "%{$keyword}%");
+            });
+        }
+
+        $data = $query->orderBy('credit_line.id', 'desc')->paginate($request->input('limit', 20));
+        $statusMap = ['0' => 'Disabled', '1' => 'Active'];
+        foreach ($data as $item) {
+            $item->status_text = $statusMap[$item->status] ?? '';
+        }
+        return $this->layuiData($data);
+    }
+
+    public function grant(Request $request)
+    {
+        $user_id = intval($request->input('user_id'));
+        $total_amount = floatval($request->input('total_amount'));
+        $daily_rate = floatval($request->input('daily_rate'));
+        $cycle_days = intval($request->input('cycle_days'));
+        $credit_score = intval($request->input('credit_score', 0));
+        $status = intval($request->input('status', 1));
+
+        if (!$user_id || $total_amount < 0 || $daily_rate < 0 || $cycle_days <= 0) {
+            return $this->error('Invalid params');
+        }
+
+        DB::beginTransaction();
+        try {
+            $line = CreditLine::where('user_id', $user_id)->lockForUpdate()->first();
+            if (!$line) {
+                CreditLine::create([
+                    'user_id' => $user_id,
+                    'total_amount' => $total_amount,
+                    'used_amount' => 0,
+                    'available_amount' => $total_amount,
+                    'daily_rate' => $daily_rate,
+                    'cycle_days' => $cycle_days,
+                    'credit_score' => $credit_score,
+                    'status' => $status,
+                ]);
+            } else {
+                $used = floatval($line->used_amount);
+                if ($total_amount < $used) { DB::rollBack(); return $this->error('Total cannot be less than used'); }
+                $line->total_amount = $total_amount;
+                $line->available_amount = bc_sub($total_amount, $used, 6);
+                $line->daily_rate = $daily_rate;
+                $line->cycle_days = $cycle_days;
+                $line->credit_score = $credit_score;
+                $line->status = $status;
+                $line->save();
+            }
+            DB::commit();
+            return $this->success('OK');
+        } catch (\Exception $e) {
+            DB::rollBack();
+            return $this->error('System error');
+        }
+    }
+
+    public function orderList(Request $request)
+    {
+        $query = CreditIeoOrder::query()
+            ->leftJoin('users', 'credit_ieo_order.user_id', '=', 'users.id')
+            ->leftJoin('ieo_project', 'credit_ieo_order.project_id', '=', 'ieo_project.id')
+            ->select(
+                'credit_ieo_order.*',
+                'users.phone as user_phone',
+                'users.email as user_email',
+                'ieo_project.name as project_name',
+                'ieo_project.symbol as symbol'
+            );
+
+        $status = $request->input('status');
+        if ($status !== null && $status !== '') $query->where('credit_ieo_order.status', intval($status));
+        $project_id = $request->input('project_id');
+        if ($project_id) $query->where('credit_ieo_order.project_id', $project_id);
+
+        $data = $query->orderBy('credit_ieo_order.id', 'desc')->paginate($request->input('limit', 20));
+        $statusMap = ['0' => 'Pending Repayment', '1' => 'Repaid', '2' => 'Overdue'];
+        foreach ($data as $item) {
+            $item->status_text = $statusMap[$item->status] ?? '';
+        }
+        return $this->layuiData($data);
+    }
+}
diff --git a/app/Http/Controllers/Api/CreditController.php b/app/Http/Controllers/Api/CreditController.php
new file mode 100644
index 0000000..5118d5a
--- /dev/null
+++ b/app/Http/Controllers/Api/CreditController.php
@@ -0,0 +1,250 @@
+<?php
+namespace App\Http\Controllers\Api;
+
+use App\Http\Controllers\Api\Controller;
+use App\CreditLine;
+use App\CreditIeoOrder;
+use App\IeoProject;
+use App\UsersWallet;
+use App\AccountLog;
+use Illuminate\Http\Request;
+use App\Token;
+use App\Users;
+use Illuminate\Support\Facades\DB;
+
+class CreditController extends Controller
+{
+    public function dashboard(Request $request)
+    {
+        $user_id = Token::getUserIdByToken(Token::getToken());
+        $user = \App\Users::find($user_id);
+        if (!$user) return $this->error('Please login');
+        $line = CreditLine::where('user_id', $user->id)->first();
+        if (!$line) {
+            return $this->success([
+                'has_credit' => 0,
+                'total_amount' => '0.00',
+                'used_amount' => '0.00',
+                'available_amount' => '0.00',
+                'daily_rate' => '0.0000',
+                'cycle_days' => 0,
+                'credit_score' => 0,
+                'status' => 0,
+            ]);
+        }
+        $line->has_credit = 1;
+        return $this->success($line);
+    }
+
+    public function creditSubscribe(Request $request)
+    {
+        $user_id = Token::getUserIdByToken(Token::getToken());
+        $user = \App\Users::find($user_id);
+        if (!$user) return $this->error('Please login');
+        $project_id = intval($request->input('project_id'));
+        $amount = floatval($request->input('amount'));
+        if (!$project_id || $amount <= 0) return $this->error('Invalid params');
+
+        $project = IeoProject::find($project_id);
+        if (!$project || $project->status != 1) return $this->error('IEO not active');
+        if ($amount < $project->min_buy) return $this->error('Min: ' . $project->min_buy . ' USDC');
+        if ($project->max_buy > 0 && $amount > $project->max_buy) return $this->error('Max: ' . $project->max_buy . ' USDC');
+
+        $existingNormal = DB::table('ieo_order')->where('user_id', $user->id)->where('project_id', $project_id)->where('status', '!=', 2)->exists();
+        if ($existingNormal) return $this->error('Already subscribed via normal IEO');
+
+        DB::beginTransaction();
+        try {
+            $line = CreditLine::where('user_id', $user->id)->lockForUpdate()->first();
+            if (!$line || $line->status != 1) { DB::rollBack(); return $this->error('No active credit line'); }
+            if ($line->available_amount < $amount) { DB::rollBack(); return $this->error('Insufficient credit'); }
+
+            $existingCredit = CreditIeoOrder::where('user_id', $user->id)->where('project_id', $project_id)->whereIn('status', [0, 1])->exists();
+            if ($existingCredit) { DB::rollBack(); return $this->error('Already subscribed via credit'); }
+
+            $line->available_amount = bc_sub($line->available_amount, $amount, 6);
+            $line->used_amount = bc_add($line->used_amount, $amount, 6);
+            $line->save();
+
+            $token_amount = $project->token_price > 0 ? sprintf("%.6f", $amount / $project->token_price) : 0;
+            $order = CreditIeoOrder::create([
+                'user_id' => $user->id,
+                'credit_line_id' => $line->id,
+                'project_id' => $project_id,
+                'amount' => $amount,
+                'token_amount' => $token_amount,
+                'status' => 0,
+                'repaid_amount' => 0,
+                'interest' => 0,
+            ]);
+
+            AccountLog::insertLog(
+                ['user_id' => $user->id, 'value' => -$amount, 'info' => 'Credit IEO subscribe #' . $project->name, 'type' => AccountLog::MICRO_TRADE_SUBMIT, 'currency' => 3],
+                ['balance_type' => 1, 'wallet_id' => 0, 'lock_type' => 0, 'before' => bc_add($line->available_amount, $amount, 6), 'change' => -$amount, 'after' => $line->available_amount]
+            );
+
+            DB::commit();
+            return $this->success(['order_id' => $order->id, 'msg' => 'Credit subscription successful']);
+        } catch (\Exception $e) {
+            DB::rollBack();
+            return $this->error($e->getMessage());
+        }
+    }
+
+    public function myCreditOrders(Request $request)
+    {
+        $user_id = Token::getUserIdByToken(Token::getToken());
+        $user = \App\Users::find($user_id);
+        if (!$user) return $this->error('Please login');
+        $list = CreditIeoOrder::where('user_id', $user->id)
+            ->with('project:id,name,symbol,token_price,listing_time,unlock_time')
+            ->orderBy('id', 'desc')
+            ->get();
+        $statusMap = ['0' => 'Pending Repayment', '1' => 'Repaid', '3' => 'Overdue'];
+        foreach ($list as $item) {
+            $item->status_text = $statusMap[$item->status] ?? '';
+            $line = $item->creditLine ?? CreditLine::find($item->credit_line_id);
+            $dailyRate = $line ? floatval($line->daily_rate) : 0;
+            $createdTs = strtotime((string)$item->created_at);
+            if (!$createdTs) $createdTs = time();
+            $days = max(1, (int)ceil((time() - $createdTs) / 86400));
+            $item->accrued_interest = sprintf('%.6f', $item->amount * $dailyRate * $days);
+            $item->repay_total = sprintf('%.6f', $item->amount + ($item->amount * $dailyRate * $days));
+            $item->days_elapsed = $days;
+        }
+        return $this->success($list);
+    }
+
+    public function repay(Request $request)
+    {
+        $user_id = Token::getUserIdByToken(Token::getToken());
+        $user = \App\Users::find($user_id);
+        if (!$user) return $this->error('Please login');
+        $order_id = intval($request->input('order_id'));
+        if (!$order_id) return $this->error('Invalid order');
+
+        DB::beginTransaction();
+        try {
+            $order = CreditIeoOrder::where('id', $order_id)->where('user_id', $user->id)->lockForUpdate()->first();
+            if (!$order) { DB::rollBack(); return $this->error('Order not found'); }
+            if ($order->status == 1) { DB::rollBack(); return $this->error('Already repaid'); }
+
+            $line = CreditLine::where('id', $order->credit_line_id)->lockForUpdate()->first();
+            if (!$line) { DB::rollBack(); return $this->error('Credit line missing'); }
+
+            $dailyRate = floatval($line->daily_rate);
+            $createdTs = strtotime((string)$order->created_at);
+            if (!$createdTs) $createdTs = time();
+            $days = max(1, (int)ceil((time() - $createdTs) / 86400));
+            $interest = sprintf('%.6f', $order->amount * $dailyRate * $days);
+            $total = bc_add($order->amount, $interest, 6);
+
+            $wallet = UsersWallet::where('user_id', $user->id)->where('currency', 3)->lockForUpdate()->first();
+            if (!$wallet || $wallet->legal_balance < $total) { DB::rollBack(); return $this->error('Insufficient balance to repay'); }
+
+            $before = $wallet->legal_balance;
+            $wallet->legal_balance = bc_sub($wallet->legal_balance, $total, 6);
+            $wallet->save();
+            AccountLog::insertLog(
+                ['user_id' => $user->id, 'value' => -$total, 'info' => 'Credit IEO Repay #' . $order->id, 'type' => AccountLog::IEO_OPERATION, 'currency' => 3],
+                ['balance_type' => 1, 'wallet_id' => $wallet->id, 'lock_type' => 0, 'before' => $before, 'change' => -$total, 'after' => $wallet->legal_balance]
+            );
+
+            $line->used_amount = max(0, bc_sub($line->used_amount, $order->amount, 6));
+            $line->available_amount = bc_add($line->available_amount, $order->amount, 6);
+            if ($line->available_amount > $line->total_amount) {
+                $line->available_amount = $line->total_amount;
+            }
+            $line->save();
+
+            $order->interest = $interest;
+            $order->repaid_amount = $total;
+            $order->status = 1;
+            $order->save();
+
+            if ($order->token_amount > 0) {
+                $project = \App\IeoProject::find($order->project_id);
+                if ($project) {
+                    $tokenCurrency = \App\Currency::where('name', $project->symbol)->first();
+                    if ($tokenCurrency) {
+                        $tokenWallet = UsersWallet::where('user_id', $user->id)
+                            ->where('currency', $tokenCurrency->id)->lockForUpdate()->first();
+                        if ($tokenWallet) {
+                            $beforeToken = $tokenWallet->change_balance;
+                            $tokenWallet->change_balance = bc_add($tokenWallet->change_balance, $order->token_amount, 6);
+                            $tokenWallet->save();
+                            AccountLog::insertLog(
+                                ['user_id' => $user->id, 'value' => $order->token_amount, 'info' => 'Credit IEO Token Unlock - ' . $project->name, 'type' => AccountLog::IEO_OPERATION, 'currency' => $tokenCurrency->id],
+                                ['balance_type' => 2, 'wallet_id' => $tokenWallet->id, 'lock_type' => 0, 'before' => $beforeToken, 'change' => $order->token_amount, 'after' => $tokenWallet->change_balance]
+                            );
+                        }
+                    }
+                }
+            }
+
+            DB::commit();
+            return $this->success(['msg' => 'Repaid', 'total' => $total, 'interest' => $interest]);
+        } catch (\Exception $e) {
+            DB::rollBack();
+            return $this->error($e->getMessage());
+        }
+    }
+
+    public function repayAll(Request $request)
+    {
+        $user_id = Token::getUserIdByToken(Token::getToken());
+        $user = \App\Users::find($user_id);
+        if (!$user) return $this->error('Please login');
+
+        $credit = CreditLine::where('user_id', $user->id)->lockForUpdate()->first();
+        if (!$credit) return $this->error('No credit line');
+
+        $orders = CreditIeoOrder::where('user_id', $user->id)
+            ->whereIn('status', [0, 3])
+            ->get();
+
+        if ($orders->isEmpty()) return $this->error('No pending orders');
+
+        $totalRepay = 0;
+        foreach ($orders as $order) {
+            $days = max(1, ceil((time() - strtotime($order->created_at)) / 86400));
+            $interest = sprintf('%.6f', $order->amount * floatval($credit->daily_rate) * $days);
+            $totalRepay = bc_add($totalRepay, bc_add($order->amount, $interest, 6), 6);
+        }
+
+        $wallet = UsersWallet::where('user_id', $user->id)->where('currency', 3)->lockForUpdate()->first();
+        if (!$wallet || bc_comp($wallet->legal_balance, $totalRepay) < 0) {
+            return $this->error('Insufficient balance, need ' . $totalRepay . ' USDC');
+        }
+
+        DB::beginTransaction();
+        try {
+            $before = $wallet->legal_balance;
+            foreach ($orders as $order) {
+                $days = max(1, ceil((time() - strtotime($order->created_at)) / 86400));
+                $interest = sprintf('%.6f', $order->amount * floatval($credit->daily_rate) * $days);
+                $repayAmount = bc_add($order->amount, $interest, 6);
+
+                $wallet->legal_balance = bc_sub($wallet->legal_balance, $repayAmount, 6);
+                $credit->used_amount = bc_sub($credit->used_amount, $order->amount, 6);
+                $credit->available_amount = bc_add($credit->available_amount, $order->amount, 6);
+
+                $order->update(['status' => 1, 'repaid_amount' => $repayAmount, 'interest' => $interest]);
+            }
+            $wallet->save();
+            AccountLog::insertLog(
+                ['user_id' => $user->id, 'value' => -$totalRepay, 'info' => 'Credit IEO Repay All', 'type' => AccountLog::IEO_OPERATION, 'currency' => 3],
+                ['balance_type' => 1, 'wallet_id' => $wallet->id, 'lock_type' => 0, 'before' => $before, 'change' => -$totalRepay, 'after' => $wallet->legal_balance]
+            );
+            if (bc_comp($credit->available_amount, $credit->total_amount) > 0) {
+                $credit->available_amount = $credit->total_amount;
+            }
+            $credit->save();
+            DB::commit();
+            return $this->success('All orders repaid');
+        } catch (\Throwable $e) {
+            DB::rollBack();
+            return $this->error($e->getMessage());
+        }
+    }
+}
diff --git a/resources/views/manages/credit/index.blade.php b/resources/views/manages/credit/index.blade.php
new file mode 100644
index 0000000..4bbd55d
--- /dev/null
+++ b/resources/views/manages/credit/index.blade.php
@@ -0,0 +1,139 @@
+@extends('admin._layoutNew')
+@section('title', '信用额度管理')
+@section('page-content')
+<div class="layui-card">
+    <div class="layui-card-header">信用额度管理</div>
+    <div class="layui-card-body">
+        <form class="layui-form" style="margin-bottom:10px;">
+            <div class="layui-inline">
+                <input id="f_user_id" class="layui-input" placeholder="用户ID">
+            </div>
+            <div class="layui-inline">
+                <input id="f_keyword" class="layui-input" placeholder="手机号/邮箱">
+            </div>
+            <div class="layui-inline">
+                <button type="button" class="layui-btn layui-btn-sm" onclick="searchList()">搜索</button>
+                <button type="button" class="layui-btn layui-btn-sm" onclick="grantOpen({})">授信</button>
+                <button type="button" class="layui-btn layui-btn-sm layui-btn-primary" onclick="loadData()">刷新</button>
+            </div>
+        </form>
+        <table id="creditTable" lay-filter="creditTable"></table>
+    </div>
+</div>
+
+<script type="text/html" id="statusTpl">
+    @{{# if(d.status==1){ }}<span class="layui-badge layui-bg-green">启用</span>@{{# } }}
+    @{{# if(d.status==0){ }}<span class="layui-badge layui-bg-gray">禁用</span>@{{# } }}
+</script>
+<script type="text/html" id="actionTpl">
+    <button class="layui-btn layui-btn-xs" lay-event="edit">编辑</button>
+</script>
+
+@endsection
+@section('scripts')
+<script>
+layui.use(['table','layer','form'], function(){
+    var table = layui.table;
+    window.loadData = function(){ table.reload('creditTable', {where:{user_id:$('#f_user_id').val(), keyword:$('#f_keyword').val()}}); };
+    window.searchList = loadData;
+
+    table.render({
+        elem:'#creditTable', id:'creditTable',
+        url:'/admin/credit/list', page:true, limit:20,
+        cols:[[
+            {field:'id',title:'ID',width:60},
+            {field:'user_id',title:'用户ID',width:80},
+            {field:'user_phone',title:'手机号',width:130},
+            {field:'user_email',title:'邮箱',width:180},
+            {field:'total_amount',title:'总额度',width:100},
+            {field:'used_amount',title:'已使用',width:100},
+            {field:'available_amount',title:'可用额度',width:100},
+            {field:'daily_rate',title:'日利率',width:100},
+            {field:'cycle_days',title:'周期(天)',width:80},
+            {field:'credit_score',title:'信用分',width:80},
+            {field:'status',title:'状态',width:80,templet:'#statusTpl'},
+            {field:'created_at',title:'创建时间',width:160},
+            {fixed:'right',title:'操作',width:80,toolbar:'#actionTpl'}
+        ]]
+    });
+
+    table.on('tool(creditTable)', function(obj){
+        if(obj.event==='edit') grantOpen(obj.data);
+    });
+
+    window.grantOpen = function(d){
+        var isEdit = !!d.id;
+        var html = '<form class="layui-form" style="padding:20px;">';
+
+        if(!isEdit){
+            html += '<div class="layui-form-item">'
+                +'<label class="layui-form-label">搜索用户</label>'
+                +'<div class="layui-input-inline" style="width:200px;"><input id="grant_search" class="layui-input" placeholder="手机号/邮箱/用户ID"></div>'
+                +'<button type="button" class="layui-btn layui-btn-sm" onclick="searchUser()">查询</button>'
+                +'</div>'
+                +'<div class="layui-form-item" id="user_search_result" style="display:none;padding-left:110px;">'
+                +'<div id="user_result_list" style="max-height:150px;overflow-y:auto;border:1px solid #e6e6e6;border-radius:4px;"></div>'
+                +'</div>';
+        }
+
+        html += '<div class="layui-form-item"><label class="layui-form-label">用户ID</label><div class="layui-input-block"><input name="user_id" id="grant_user_id" class="layui-input" value="'+(d.user_id||'')+'" '+(isEdit?'readonly':'')+' placeholder="通过上方搜索选择用户"></div></div>'
+            +'<div id="selected_user_info" style="padding:0 110px 10px;color:#666;font-size:12px;">'+(isEdit?'<span>'+((d.user_phone||'')+(d.user_email?' / '+d.user_email:''))+'</span>':'')+'</div>'
+            +'<div class="layui-form-item"><label class="layui-form-label">总额度(USDT)</label><div class="layui-input-block"><input name="total_amount" class="layui-input" value="'+(d.total_amount||0)+'"></div></div>'
+            +'<div class="layui-form-item"><label class="layui-form-label">日利率</label><div class="layui-input-block"><input name="daily_rate" class="layui-input" value="'+(d.daily_rate||0.001)+'" placeholder="0.001 = 0.1%/天"></div></div>'
+            +'<div class="layui-form-item"><label class="layui-form-label">信用周期(天)</label><div class="layui-input-block"><input name="cycle_days" class="layui-input" value="'+(d.cycle_days||30)+'"></div></div>'
+            +'<div class="layui-form-item"><label class="layui-form-label">信用分</label><div class="layui-input-block"><input name="credit_score" class="layui-input" value="'+(d.credit_score||0)+'"></div></div>'
+            +'<div class="layui-form-item"><label class="layui-form-label">状态</label><div class="layui-input-block"><select name="status"><option value="1" '+(d.status==1?'selected':'')+'>启用</option><option value="0" '+(d.status==0?'selected':'')+'>禁用</option></select></div></div>'
+            +'</form>';
+        layer.open({
+            type:1, title:isEdit?'编辑信用额度':'授信', area:['540px','560px'], content:html,
+            btn:['保存','取消'],
+            yes:function(index,layero){
+                var form = layero.find('form');
+                var postData = {};
+                form.find('input[name],select[name]').each(function(){postData[this.name]=this.value;});
+                if(!postData.user_id){layer.msg('请先选择用户',{icon:2});return;}
+                postData._token = '{{csrf_token()}}';
+                $.post('/admin/credit/grant', postData, function(r){
+                    layer.close(index);
+                    if(r.type=='ok'){layer.msg('保存成功');loadData();}else layer.msg(r.message,{icon:2});
+                });
+            }
+        });
+    };
+
+    window.searchUser = function(){
+        var kw = $('#grant_search').val();
+        if(!kw){layer.msg('请输入搜索关键词',{icon:2});return;}
+        $.get('/admin/user/list', {account_number:kw, limit:10}, function(res){
+            var list = res.data || [];
+            if(!list.length){
+                $('#user_search_result').show();
+                $('#user_result_list').html('<div style="padding:10px;color:#999;text-align:center;">未找到用户</div>');
+                return;
+            }
+            var h = '';
+            for(var i=0;i<list.length;i++){
+                var u = list[i];
+                h += '<div class="grant-user-item" style="padding:8px 12px;cursor:pointer;border-bottom:1px solid #f0f0f0;display:flex;justify-content:space-between;" '
+                    +'onclick="pickUser('+u.id+',\''+((u.phone||'').replace(/'/g,''))+ '\',\''+ ((u.email||'').replace(/'/g,'')) +'\')">'
+                    +'<span>ID: '+u.id+'</span>'
+                    +'<span>'+(u.phone||'-')+'</span>'
+                    +'<span>'+(u.email||'-')+'</span>'
+                    +'</div>';
+            }
+            $('#user_search_result').show();
+            $('#user_result_list').html(h);
+        });
+    };
+
+    window.pickUser = function(id, phone, email){
+        $('#grant_user_id').val(id);
+        $('#selected_user_info').html('<span style="color:#00c48c;">已选择: ID '+id+' / '+(phone||'-')+' / '+(email||'-')+'</span>');
+        $('#user_search_result').hide();
+    };
+});
+</script>
+<style>
+.grant-user-item:hover{background:#f6f6f6!important;}
+</style>
+@endsection
diff --git a/resources/views/manages/credit/orders.blade.php b/resources/views/manages/credit/orders.blade.php
new file mode 100644
index 0000000..81d4006
--- /dev/null
+++ b/resources/views/manages/credit/orders.blade.php
@@ -0,0 +1,61 @@
+@extends('admin._layoutNew')
+@section('title', '信用IEO订单')
+@section('page-content')
+<div class="layui-card">
+    <div class="layui-card-header">信用IEO订单管理</div>
+    <div class="layui-card-body">
+        <form class="layui-form" style="margin-bottom:10px;">
+            <div class="layui-inline">
+                <input id="f_project_id" class="layui-input" placeholder="项目ID">
+            </div>
+            <div class="layui-inline">
+                <select id="f_status">
+                    <option value="">全部状态</option>
+                    <option value="0">冻结中</option>
+                    <option value="1">已还款</option>
+                    <option value="3">逾期</option>
+                </select>
+            </div>
+            <div class="layui-inline">
+                <button type="button" class="layui-btn layui-btn-sm" onclick="searchList()">搜索</button>
+                <button type="button" class="layui-btn layui-btn-sm layui-btn-primary" onclick="loadData()">刷新</button>
+            </div>
+        </form>
+        <table id="coTable" lay-filter="coTable"></table>
+    </div>
+</div>
+
+<script type="text/html" id="statusTpl">
+    @{{# if(d.status==0){ }}<span class="layui-badge layui-bg-orange">冻结中</span>@{{# } }}
+    @{{# if(d.status==1){ }}<span class="layui-badge layui-bg-green">已还款</span>@{{# } }}
+    @{{# if(d.status==3){ }}<span class="layui-badge">逾期</span>@{{# } }}
+</script>
+
+@endsection
+@section('scripts')
+<script>
+layui.use(['table','layer','form'], function(){
+    var table = layui.table;
+    window.loadData = function(){ table.reload('coTable', {where:{project_id:$('#f_project_id').val(), status:$('#f_status').val()}}); };
+    window.searchList = loadData;
+
+    table.render({
+        elem:'#coTable', id:'coTable',
+        url:'/admin/credit/order/list', page:true, limit:20,
+        cols:[[
+            {field:'id',title:'ID',width:70},
+            {field:'user_id',title:'用户ID',width:80},
+            {field:'user_phone',title:'手机号',width:130},
+            {field:'project_name',title:'项目',width:140},
+            {field:'symbol',title:'代号',width:80},
+            {field:'amount',title:'认购金额',width:100},
+            {field:'token_amount',title:'获得代币',width:110},
+            {field:'interest',title:'利息',width:100},
+            {field:'repaid_amount',title:'已还款',width:100},
+            {field:'status',title:'状态',width:90,templet:'#statusTpl'},
+            {field:'created_at',title:'创建时间',width:160}
+        ]]
+    });
+});
+</script>
+@endsection