diff --git a/rust/src/providers/stepfun/mod.rs b/rust/src/providers/stepfun/mod.rs
index 4f9a875cb8..b35f184016 100644
--- a/rust/src/providers/stepfun/mod.rs
+++ b/rust/src/providers/stepfun/mod.rs
@@ -24,8 +24,10 @@ const STEPFUN_REFRESH_TOKEN_URL: &str =
 const STEPFUN_CREDENTIAL_TARGET: &str = "codexbar-stepfun";
 const STEPFUN_WEB_ID: &str = "734152690100432";
 const STEPFUN_APP_ID: &str = "111003695";
+const CREDIT_LABEL: &str = "Credit";
+const NO_CREDIT_BALANCE: &str = "No credit balance reported";
 
-#[derive(Debug, Deserialize)]
+#[derive(Debug, Default, Deserialize)]
 struct StepFunRateLimitResponse {
     status: Option<i64>,
     code: Option<i64>,
@@ -35,6 +37,111 @@ struct StepFunRateLimitResponse {
     weekly_usage_left_rate: Option<FlexibleNumber>,
     five_hour_usage_reset_time: Option<FlexibleTimestamp>,
     weekly_usage_reset_time: Option<FlexibleTimestamp>,
+    plan_family: Option<FlexibleNumber>,
+    plan_credit_rate_limit: Option<StepFunPlanCreditRateLimit>,
+}
+
+impl StepFunRateLimitResponse {
+    /// StepFun serves two Step Plan billing models. The Coding Plan meters
+    /// rolling 5-hour / weekly windows; the Token Plan meters a monthly Credit
+    /// pool through `plan_credit_rate_limit` and reports its rolling windows as
+    /// 0 with a `"0"` reset time ("no window configured", not "used up").
+    ///
+    /// Classify by the payload shape: a live rolling window means Coding Plan,
+    /// no window plus a credit pool means Token Plan. `plan_family == 2` only
+    /// breaks the tie for an ambiguous payload, so a future family-id change
+    /// cannot flip a windowed plan onto the credit renderer or vice versa.
+    fn is_credit_plan(&self) -> bool {
+        let has_live_window = [
+            &self.five_hour_usage_reset_time,
+            &self.weekly_usage_reset_time,
+        ]
+        .into_iter()
+        .any(|reset| reset.as_ref().is_some_and(|ts| ts.0 > 0));
+        if has_live_window {
+            return false;
+        }
+        if self
+            .plan_credit_rate_limit
+            .as_ref()
+            .is_some_and(StepFunPlanCreditRateLimit::has_credit_pool)
+        {
+            return true;
+        }
+        self.plan_family
+            .as_ref()
+            .is_some_and(|family| family.0 == 2.0)
+    }
+}
+
+/// The `plan_credit_rate_limit` object returned for credit-based plans.
+#[derive(Debug, Default, Deserialize)]
+struct StepFunPlanCreditRateLimit {
+    subscription_credit_left_rate: Option<FlexibleNumber>,
+    subscription_credit_reset_time: Option<FlexibleTimestamp>,
+    topup_credit_left_rate: Option<FlexibleNumber>,
+    credit_buckets: Option<Vec<StepFunCreditBucket>>,
+}
+
+#[derive(Debug, Default, Deserialize)]
+struct StepFunCreditBucket {
+    credit_total: Option<FlexibleNumber>,
+    credit_residual: Option<FlexibleNumber>,
+}
+
+impl StepFunPlanCreditRateLimit {
+    fn has_credit_pool(&self) -> bool {
+        self.subscription_credit_left_rate.is_some()
+            || self.topup_credit_left_rate.is_some()
+            || self
+                .credit_buckets
+                .as_ref()
+                .is_some_and(|buckets| !buckets.is_empty())
+    }
+
+    /// Remaining fraction of the credit pool, or `None` when no balance is reported.
+    ///
+    /// Subscription and top-up rates are independent fractions, so adding them
+    /// does not give a combined rate; absolute bucket balances are preferred.
+    /// Without usable bucket sizes the subscription rate is the plan allowance
+    /// and the top-up rate is used only when no subscription rate is present.
+    fn left_rate(&self) -> Option<f64> {
+        let buckets = self.credit_buckets.as_deref().unwrap_or_default();
+        let balances: Vec<(f64, f64)> = buckets
+            .iter()
+            .filter_map(StepFunCreditBucket::balance)
+            .collect();
+        if !buckets.is_empty() && balances.len() == buckets.len() {
+            let total: f64 = balances.iter().map(|(total, _)| total).sum();
+            let residual: f64 = balances.iter().map(|(_, residual)| residual).sum();
+            return Some(residual / total);
+        }
+        self.subscription_credit_left_rate
+            .as_ref()
+            .or(self.topup_credit_left_rate.as_ref())
+            .map(|rate| rate.0)
+    }
+
+    /// A real monthly reset; a missing or zero timestamp stays unknown.
+    fn reset_at(&self) -> Option<DateTime<Utc>> {
+        self.subscription_credit_reset_time
+            .as_ref()
+            .filter(|ts| ts.0 > 0)
+            .and_then(|ts| Utc.timestamp_opt(ts.0, 0).single())
+    }
+}
+
+impl StepFunCreditBucket {
+    /// `(total, residual)` when the bucket carries a sound balance.
+    fn balance(&self) -> Option<(f64, f64)> {
+        let total = self.credit_total.as_ref()?.0;
+        let residual = self.credit_residual.as_ref()?.0;
+        (total.is_finite()
+            && residual.is_finite()
+            && total > 0.0
+            && (0.0..=total).contains(&residual))
+        .then_some((total, residual))
+    }
 }
 
 #[derive(Debug, Deserialize)]
@@ -225,6 +332,14 @@ fn snapshot_from_response(
         return Err(ProviderError::Other(format!("StepFun API error: {msg}")));
     }
 
+    let login_method = plan_name
+        .filter(|value| !value.trim().is_empty())
+        .unwrap_or_else(|| "Oasis-Token".into());
+
+    if response.is_credit_plan() {
+        return Ok(credit_snapshot(response).with_login_method(login_method));
+    }
+
     let five_left = response
         .five_hour_usage_left_rate
         .as_ref()
@@ -257,13 +372,28 @@ fn snapshot_from_response(
         weekly_reset.map(reset_description),
     );
 
-    let mut snapshot = UsageSnapshot::new(primary).with_secondary(secondary);
-    if let Some(plan_name) = plan_name.filter(|value| !value.trim().is_empty()) {
-        snapshot = snapshot.with_login_method(plan_name);
-    } else {
-        snapshot = snapshot.with_login_method("Oasis-Token");
-    }
-    Ok(snapshot)
+    Ok(UsageSnapshot::new(primary)
+        .with_secondary(secondary)
+        .with_login_method(login_method))
+}
+
+/// Credit plans populate only the primary lane, including balances without a
+/// reset timestamp, and never invent a reset date.
+fn credit_snapshot(response: &StepFunRateLimitResponse) -> UsageSnapshot {
+    let credit = response.plan_credit_rate_limit.as_ref();
+    let primary = match credit.and_then(StepFunPlanCreditRateLimit::left_rate) {
+        Some(left_rate) => {
+            let reset = credit.and_then(StepFunPlanCreditRateLimit::reset_at);
+            RateWindow::with_details(
+                (1.0 - left_rate).clamp(0.0, 1.0) * 100.0,
+                RateWindow::monthly_window_minutes(reset),
+                reset,
+                reset.map(reset_description),
+            )
+        }
+        None => RateWindow::informational(NO_CREDIT_BALANCE),
+    };
+    UsageSnapshot::new(primary).with_primary_label(CREDIT_LABEL)
 }
 
 struct StepFunTokenParts {
@@ -455,12 +585,132 @@ mod tests {
             weekly_usage_left_rate: Some(FlexibleNumber(0.75)),
             five_hour_usage_reset_time: Some(FlexibleTimestamp(1_800_000_000)),
             weekly_usage_reset_time: Some(FlexibleTimestamp(1_800_000_000)),
+            ..Default::default()
         };
         let snapshot = snapshot_from_response(&response, Some("Step Plan".into())).unwrap();
         assert_eq!(snapshot.primary.used_percent, 75.0);
+        assert_eq!(snapshot.primary_label, None);
         assert_eq!(snapshot.secondary.unwrap().used_percent, 25.0);
     }
 
+    fn snapshot_from_json(json: &str) -> Result<UsageSnapshot, ProviderError> {
+        let response: StepFunRateLimitResponse = serde_json::from_str(json).unwrap();
+        snapshot_from_response(&response, None)
+    }
+
+    #[test]
+    fn stepfun_coding_plan_payload_keeps_window_labels_and_lanes() {
+        let snapshot = snapshot_from_json(
+            r#"{"status":1,"five_hour_usage_left_rate":0.99781543,"weekly_usage_left_rate":1,
+                "five_hour_usage_reset_time":"1777528800","weekly_usage_reset_time":"1777852800",
+                "plan_family":1}"#,
+        )
+        .unwrap();
+        assert_eq!(snapshot.primary_label, None);
+        assert_eq!(snapshot.primary.window_minutes, Some(300));
+        assert_eq!(snapshot.secondary.unwrap().window_minutes, Some(10080));
+    }
+
+    #[test]
+    fn stepfun_coding_plan_payload_still_requires_window_fields() {
+        let error = snapshot_from_json(
+            r#"{"status":1,"five_hour_usage_reset_time":"1777528800","plan_family":1}"#,
+        )
+        .unwrap_err();
+        assert!(error.to_string().contains("five-hour"));
+    }
+
+    #[test]
+    fn stepfun_credit_plan_with_reset_uses_monthly_window() {
+        let snapshot = snapshot_from_json(
+            r#"{"status":1,"five_hour_usage_left_rate":0,"weekly_usage_left_rate":0,
+                "five_hour_usage_reset_time":"0","weekly_usage_reset_time":"0","plan_family":2,
+                "plan_credit_rate_limit":{"subscription_credit_left_rate":0.75,
+                "subscription_credit_reset_time":"1777528800","topup_credit_left_rate":0}}"#,
+        )
+        .unwrap();
+        assert_eq!(snapshot.primary_label.as_deref(), Some("Credit"));
+        assert!(snapshot.secondary.is_none());
+        assert_eq!(snapshot.primary.used_percent, 25.0);
+        assert_eq!(
+            snapshot.primary.resets_at.map(|t| t.timestamp()),
+            Some(1_777_528_800)
+        );
+        assert!(snapshot.primary.reset_description.is_some());
+        let minutes = snapshot.primary.window_minutes.unwrap();
+        assert!((28 * 1440..=31 * 1440).contains(&minutes));
+    }
+
+    #[test]
+    fn stepfun_credit_plan_without_or_with_zero_reset_invents_no_reset() {
+        for reset in ["", r#","subscription_credit_reset_time":"0""#] {
+            let json = format!(
+                r#"{{"status":1,"plan_credit_rate_limit":{{"subscription_credit_left_rate":0.4{reset}}}}}"#
+            );
+            let snapshot = snapshot_from_json(&json).unwrap();
+            assert_eq!(snapshot.primary_label.as_deref(), Some("Credit"));
+            assert_eq!(snapshot.primary.used_percent, 60.0);
+            assert_eq!(snapshot.primary.resets_at, None);
+            assert_eq!(snapshot.primary.reset_description, None);
+            assert_eq!(snapshot.primary.window_minutes, None);
+            assert!(snapshot.secondary.is_none());
+        }
+    }
+
+    #[test]
+    fn stepfun_credit_plan_weights_buckets_by_balance() {
+        let snapshot = snapshot_from_json(
+            r#"{"status":1,"plan_credit_rate_limit":{"subscription_credit_left_rate":0.9,
+                "topup_credit_left_rate":0.9,"credit_buckets":[
+                {"credit_total":"400000000","credit_residual":"100000000"},
+                {"credit_total":100000000,"credit_residual":100000000}]}}"#,
+        )
+        .unwrap();
+        // residual 200M of total 500M => 60% used, not derived from the rates.
+        assert!((snapshot.primary.used_percent - 60.0).abs() < 1e-9);
+    }
+
+    #[test]
+    fn stepfun_credit_plan_falls_back_to_rates_when_buckets_are_unsound() {
+        let snapshot = snapshot_from_json(
+            r#"{"status":1,"plan_credit_rate_limit":{"topup_credit_left_rate":0.5,
+                "credit_buckets":[{"credit_total":10,"credit_residual":20}]}}"#,
+        )
+        .unwrap();
+        assert_eq!(snapshot.primary.used_percent, 50.0);
+        let snapshot = snapshot_from_json(
+            r#"{"status":1,"plan_credit_rate_limit":{"subscription_credit_left_rate":0.8,
+                "topup_credit_left_rate":0.1}}"#,
+        )
+        .unwrap();
+        assert!((snapshot.primary.used_percent - 20.0).abs() < 1e-9);
+    }
+
+    #[test]
+    fn stepfun_credit_family_without_balance_has_no_quota_window() {
+        let snapshot = snapshot_from_json(
+            r#"{"status":1,"plan_family":2,"five_hour_usage_reset_time":"0",
+                "weekly_usage_reset_time":"0"}"#,
+        )
+        .unwrap();
+        assert!(snapshot.primary.is_informational);
+        assert_eq!(snapshot.primary_label.as_deref(), Some("Credit"));
+        assert!(snapshot.secondary.is_none());
+    }
+
+    #[test]
+    fn stepfun_live_window_wins_over_credit_family() {
+        let snapshot = snapshot_from_json(
+            r#"{"status":1,"plan_family":2,"five_hour_usage_left_rate":0.5,
+                "weekly_usage_left_rate":0.5,"five_hour_usage_reset_time":"1777528800",
+                "weekly_usage_reset_time":"1777852800",
+                "plan_credit_rate_limit":{"subscription_credit_left_rate":0.1}}"#,
+        )
+        .unwrap();
+        assert_eq!(snapshot.primary_label, None);
+        assert!(snapshot.secondary.is_some());
+    }
+
     #[test]
     fn stepfun_token_parts_extract_cookie_and_refresh_token() {
         let parts = token_parts("Cookie: Oasis-Token=access...refresh; Oasis-Webid=abc");