diff --git a/src/actions/credits.ts b/src/actions/credits.ts
index 270d4f3..7fdd989 100644
--- a/src/actions/credits.ts
+++ b/src/actions/credits.ts
@@ -3,11 +3,12 @@
 import { requireAdmin } from "@/lib/auth-helpers";
 import { db } from "@/lib/db";
 import { aiTools, creditPurchases, invoices } from "@/lib/db/schema";
-import { eq, sql } from "drizzle-orm";
+import { desc, eq, sql } from "drizzle-orm";
 import { revalidatePath } from "next/cache";
 import { z } from "zod";
 import { recordCreation, recordUpdate, recordDeletion } from "@/lib/history";
 import { deriveCreditBalance, type CreditBalance } from "@/lib/credits";
+import { isUniqueViolation } from "@/lib/core/tools";
 import type { ActionResult } from "@/types";
 
 /**
@@ -24,15 +25,42 @@ const recordPurchaseSchema = z.object({
   toolId: z.number().int().positive(),
   invoiceId: z.number().int().positive().optional(),
   purchasedAt: z.string().regex(/^\d{4}-\d{2}-\d{2}$/, "Expected YYYY-MM-DD"),
-  amountCents: z.number().int().positive("A purchase must be a positive amount"),
+  amountCents: z
+    .number()
+    .int()
+    .positive("A purchase must be a positive amount"),
   note: z.string().max(200).optional(),
 });
 
+const linkInvoiceSchema = z.object({
+  id: z.number().int().positive(),
+  // Null unlinks: the invoice counts as period cost again.
+  invoiceId: z.number().int().positive().nullable(),
+});
+
+const INVOICE_ALREADY_LINKED =
+  "This invoice is already recorded as a credit purchase";
+
+/**
+ * Today as YYYY-MM-DD, a day ahead of UTC. The admin picks the date in their
+ * own timezone, which can already be tomorrow in UTC; a one-day slack keeps
+ * that honest reading valid while still rejecting a genuinely future anchor.
+ */
+function latestAllowedDate(): string {
+  const d = new Date();
+  d.setUTCDate(d.getUTCDate() + 1);
+  return d.toISOString().slice(0, 10);
+}
+
 const openingBalanceSchema = z.object({
   toolId: z.number().int().positive(),
   // Nullable so an admin can clear a stale opening balance, which returns the
   // panel to "unavailable" rather than leaving a wrong number on screen.
-  openingBalanceCents: z.number().int().nullable(),
+  openingBalanceCents: z
+    .number()
+    .int()
+    .nonnegative("A credit balance can't be negative")
+    .nullable(),
   openingBalanceAt: z
     .string()
     .regex(/^\d{4}-\d{2}-\d{2}$/, "Expected YYYY-MM-DD")
@@ -74,25 +102,30 @@ export async function recordCreditPurchase(
       where: eq(creditPurchases.invoiceId, invoiceId),
       columns: { id: true },
     });
-    if (existing) {
-      return {
-        success: false,
-        error: "This invoice is already recorded as a credit purchase",
-      };
-    }
+    if (existing) return { success: false, error: INVOICE_ALREADY_LINKED };
   }
 
-  const [row] = await db
-    .insert(creditPurchases)
-    .values({
-      toolId,
-      invoiceId: invoiceId ?? null,
-      purchasedAt,
-      amountCents,
-      note: note ?? null,
-      createdBy: Number(admin.id),
-    })
-    .returning({ id: creditPurchases.id });
+  let row: { id: number };
+  try {
+    [row] = await db
+      .insert(creditPurchases)
+      .values({
+        toolId,
+        invoiceId: invoiceId ?? null,
+        purchasedAt,
+        amountCents,
+        note: note ?? null,
+        createdBy: Number(admin.id),
+      })
+      .returning({ id: creditPurchases.id });
+  } catch (e) {
+    // The pre-check above gives the common case its message; the unique index
+    // closes the race where two admins link the same invoice at once.
+    if (isUniqueViolation(e)) {
+      return { success: false, error: INVOICE_ALREADY_LINKED };
+    }
+    throw e;
+  }
 
   await recordCreation("credit_purchase", row.id, Number(admin.id), {
     source: "ui",
@@ -102,6 +135,60 @@ export async function recordCreditPurchase(
   return { success: true, data: { id: row.id } };
 }
 
+/**
+ * Attach the invoice to a top-up recorded before it arrived, or detach it.
+ *
+ * Updating the existing row matters: re-recording the top-up with its invoice
+ * would leave two rows, and the balance would count the cash twice.
+ */
+export async function linkCreditPurchaseInvoice(
+  input: unknown,
+): Promise<ActionResult<void>> {
+  const admin = await requireAdmin();
+  if (!admin) return { success: false, error: "Unauthorized" };
+
+  const parsed = linkInvoiceSchema.safeParse(input);
+  if (!parsed.success) return { success: false, error: "Validation failed" };
+  const { id, invoiceId } = parsed.data;
+
+  const existing = await db.query.creditPurchases.findFirst({
+    where: eq(creditPurchases.id, id),
+    columns: { id: true, invoiceId: true },
+  });
+  if (!existing) return { success: false, error: "Credit purchase not found" };
+
+  if (invoiceId !== null) {
+    const invoice = await db.query.invoices.findFirst({
+      where: eq(invoices.id, invoiceId),
+      columns: { id: true },
+    });
+    if (!invoice) return { success: false, error: "Invoice not found" };
+  }
+
+  try {
+    await db
+      .update(creditPurchases)
+      .set({ invoiceId, updatedAt: new Date() })
+      .where(eq(creditPurchases.id, id));
+  } catch (e) {
+    if (isUniqueViolation(e)) {
+      return { success: false, error: INVOICE_ALREADY_LINKED };
+    }
+    throw e;
+  }
+
+  await recordUpdate(
+    "credit_purchase",
+    id,
+    Number(admin.id),
+    { invoiceId: { old: existing.invoiceId, new: invoiceId } },
+    { source: "ui" },
+  );
+
+  revalidateCreditSurfaces();
+  return { success: true, data: undefined };
+}
+
 /**
  * Undo a reclassification.
  *
@@ -144,10 +231,21 @@ export async function setCreditOpeningBalance(
   if (!admin) return { success: false, error: "Unauthorized" };
 
   const parsed = openingBalanceSchema.safeParse(input);
-  if (!parsed.success) return { success: false, error: "Validation failed" };
+  if (!parsed.success) {
+    return {
+      success: false,
+      error: parsed.error.issues[0]?.message ?? "Validation failed",
+    };
+  }
 
   const { toolId, openingBalanceCents, openingBalanceAt } = parsed.data;
 
+  // A future anchor would silently swallow every top-up and day of usage up
+  // to it (C4), so it is refused here, not only in the form.
+  if (openingBalanceAt !== null && openingBalanceAt > latestAllowedDate()) {
+    return { success: false, error: "The as-of date can't be in the future" };
+  }
+
   // Both or neither: a balance without its as-of date cannot be reasoned
   // about, and a date without a balance says nothing.
   if ((openingBalanceCents === null) !== (openingBalanceAt === null)) {
@@ -197,6 +295,78 @@ export async function setCreditOpeningBalance(
   return { success: true, data: undefined };
 }
 
+export interface CreditPurchaseRow {
+  id: number;
+  purchasedAt: string;
+  amountCents: number;
+  note: string | null;
+  invoiceNumber: string | null;
+}
+
+export interface LinkableInvoice {
+  id: number;
+  invoiceNumber: string;
+  invoiceDate: string;
+  amountCents: number;
+}
+
+export interface CreditPurchaseOverview {
+  purchases: CreditPurchaseRow[];
+  /** Recent vendor invoices not yet recorded as a credit purchase. */
+  linkableInvoices: LinkableInvoice[];
+}
+
+/**
+ * The recorded purchases for a tool, plus the invoices a new one could be
+ * linked to. Candidates are offered, never picked: a seat invoice and a top-up
+ * share a vendor, so only the admin can tell them apart (D9).
+ */
+export async function getCreditPurchaseOverview(
+  toolId: number,
+): Promise<ActionResult<CreditPurchaseOverview>> {
+  const admin = await requireAdmin();
+  if (!admin) return { success: false, error: "Unauthorized" };
+
+  const tool = await db.query.aiTools.findFirst({
+    where: eq(aiTools.id, toolId),
+    columns: { id: true, vendor: true },
+  });
+  if (!tool) return { success: false, error: "Tool not found" };
+
+  const purchases = await db
+    .select({
+      id: creditPurchases.id,
+      purchasedAt: creditPurchases.purchasedAt,
+      amountCents: creditPurchases.amountCents,
+      note: creditPurchases.note,
+      invoiceNumber: invoices.invoiceNumber,
+    })
+    .from(creditPurchases)
+    .leftJoin(invoices, eq(invoices.id, creditPurchases.invoiceId))
+    .where(eq(creditPurchases.toolId, toolId))
+    .orderBy(desc(creditPurchases.purchasedAt), desc(creditPurchases.id));
+
+  const linkableInvoices = (
+    await db.execute(sql`
+      SELECT i.id,
+             i.invoice_number AS "invoiceNumber",
+             i.invoice_date::text AS "invoiceDate",
+             i.amount_cents AS "amountCents"
+      FROM invoices i
+      WHERE i.vendor ILIKE ${`%${tool.vendor}%`}
+        AND i.filtered_out = false
+        AND i.invoice_date >= CURRENT_DATE - INTERVAL '180 days'
+        AND NOT EXISTS (
+          SELECT 1 FROM credit_purchases cp WHERE cp.invoice_id = i.id
+        )
+      ORDER BY i.invoice_date DESC, i.id DESC
+      LIMIT 50
+    `)
+  ).rows as unknown as LinkableInvoice[];
+
+  return { success: true, data: { purchases, linkableInvoices } };
+}
+
 /** The derived balance for a tool, with everything it was derived from. */
 export async function getCreditBalance(
   toolId: number,
diff --git a/src/app/claude/page.tsx b/src/app/claude/page.tsx
index 38ff9a8..e9456d8 100644
--- a/src/app/claude/page.tsx
+++ b/src/app/claude/page.tsx
@@ -14,7 +14,10 @@ import {
   getTopMovers,
   getWorkspaceSparklines,
 } from "@/actions/anthropic-global";
-import { getAnthropicCreditBalance } from "@/actions/credits";
+import {
+  getAnthropicCreditBalance,
+  getCreditPurchaseOverview,
+} from "@/actions/credits";
 import { GlobalMetricsClient } from "@/components/claude/global-metrics-client";
 import { WorkspaceBudgetList } from "@/components/claude/workspace-budget-list";
 import { OrgBillingBudgetCard } from "@/components/claude/org-credits-panel";
@@ -80,6 +83,12 @@ export default async function ClaudePage({
   ]);
 
   const creditBalance = claudeConsoleCredits;
+  const creditPurchasesResult = creditBalance
+    ? await getCreditPurchaseOverview(creditBalance.toolId)
+    : null;
+  const creditPurchases = creditPurchasesResult?.success
+    ? creditPurchasesResult.data
+    : null;
 
   return (
     <div className="space-y-6">
@@ -130,6 +139,7 @@ export default async function ClaudePage({
           projectedMonthEndCents={kpis.projectedMonthEndCents}
           todayEstimate={kpis.todayEstimate}
           creditBalance={creditBalance}
+          creditPurchases={creditPurchases}
         />
       </section>
 
diff --git a/src/components/claude/credit-opening-balance.tsx b/src/components/claude/credit-opening-balance.tsx
new file mode 100644
index 0000000..ebe746c
--- /dev/null
+++ b/src/components/claude/credit-opening-balance.tsx
@@ -0,0 +1,191 @@
+"use client";
+
+import { useState, useTransition } from "react";
+import { useRouter } from "next/navigation";
+import { Button } from "@/components/ui/button";
+import {
+  Dialog,
+  DialogContent,
+  DialogDescription,
+  DialogFooter,
+  DialogHeader,
+  DialogTitle,
+} from "@/components/ui/dialog";
+import { Input } from "@/components/ui/input";
+import { Label } from "@/components/ui/label";
+import { StatusText, useInlineStatus } from "@/components/ui/status-text";
+import { setCreditOpeningBalance } from "@/actions/credits";
+import { parseOpeningBalanceCents } from "@/lib/credits";
+import { formatCurrency } from "@/lib/utils";
+import { todayLocal } from "@/components/claude/credit-purchases";
+
+type CreditOpeningBalanceProps = {
+  toolId: number;
+  /** Null when no opening balance is recorded. */
+  openingCents: number | null;
+  /** YYYY-MM-DD, or null when no opening balance is recorded. */
+  openingAt: string | null;
+};
+
+/**
+ * Spec 045 — the balance an admin read in the Anthropic Console, with the day
+ * it stood at. The Admin API exposes no balance, so this is the anchor every
+ * derived figure is counted from.
+ */
+export function CreditOpeningBalance({
+  toolId,
+  openingCents,
+  openingAt,
+}: CreditOpeningBalanceProps) {
+  const router = useRouter();
+  const [open, setOpen] = useState(false);
+  const [amount, setAmount] = useState("");
+  const [asOf, setAsOf] = useState(todayLocal);
+  const [isPending, startTransition] = useTransition();
+  const formStatus = useInlineStatus();
+  const rowStatus = useInlineStatus();
+
+  const amountCents = parseOpeningBalanceCents(amount);
+  const recorded = openingCents !== null && openingAt !== null;
+
+  function openDialog() {
+    setAmount(openingCents !== null ? (openingCents / 100).toFixed(2) : "");
+    setAsOf(openingAt ?? todayLocal());
+    setOpen(true);
+  }
+
+  function save(cents: number | null, date: string | null) {
+    startTransition(async () => {
+      const result = await setCreditOpeningBalance({
+        toolId,
+        openingBalanceCents: cents,
+        openingBalanceAt: date,
+      });
+      if (result.success) {
+        setOpen(false);
+        rowStatus.ok(cents === null ? "Opening balance cleared" : "Saved");
+        router.refresh();
+      } else {
+        formStatus.error(result.error);
+      }
+    });
+  }
+
+  function handleSave() {
+    if (amountCents === null) {
+      formStatus.error("Enter the balance in dollars, e.g. 44.79");
+      return;
+    }
+    if (asOf > todayLocal()) {
+      formStatus.error("The as-of date can't be in the future");
+      return;
+    }
+    save(amountCents, asOf);
+  }
+
+  return (
+    <div className="mt-4 space-y-2">
+      <div className="flex items-center justify-between gap-2">
+        <p className="text-xs uppercase tracking-wider text-muted-foreground">
+          Opening balance
+        </p>
+        <div className="flex items-center gap-2">
+          <StatusText status={rowStatus.status} />
+          <Button size="sm" variant="outline" onClick={openDialog}>
+            {recorded ? "Edit" : "Set"}
+          </Button>
+        </div>
+      </div>
+      <p className="text-sm">
+        {openingCents !== null && openingAt !== null ? (
+          <>
+            <span className="font-medium tabular-nums">
+              {formatCurrency(openingCents)}
+            </span>{" "}
+            <span className="text-muted-foreground">
+              at the end of {openingAt}
+            </span>
+          </>
+        ) : (
+          <span className="text-muted-foreground">
+            Not recorded — the credit balance can&apos;t be derived until it is.
+          </span>
+        )}
+      </p>
+
+      <Dialog open={open} onOpenChange={setOpen}>
+        <DialogContent className="sm:max-w-lg">
+          <DialogHeader>
+            <DialogTitle>Opening credit balance</DialogTitle>
+            <DialogDescription>
+              The balance shown in the Anthropic Console. The Hub counts from
+              here: top-ups and usage dated after this day move the balance;
+              anything on or before it is treated as already included.
+            </DialogDescription>
+          </DialogHeader>
+
+          <div className="grid grid-cols-2 gap-4">
+            <div className="space-y-2">
+              <Label htmlFor="opening-amount">
+                Balance ($) <span className="text-destructive">*</span>
+              </Label>
+              <Input
+                id="opening-amount"
+                type="number"
+                inputMode="decimal"
+                step="0.01"
+                min="0"
+                value={amount}
+                onChange={(e) => setAmount(e.target.value)}
+                placeholder="0.00"
+                autoFocus
+              />
+            </div>
+            <div className="space-y-2">
+              <Label htmlFor="opening-date">
+                As of end of <span className="text-destructive">*</span>
+              </Label>
+              <Input
+                id="opening-date"
+                type="date"
+                max={todayLocal()}
+                value={asOf}
+                onChange={(e) => setAsOf(e.target.value)}
+              />
+            </div>
+          </div>
+          <p className="text-xs text-muted-foreground">
+            Read the balance before a top-up you&apos;re about to record? Date
+            it the day before, so the top-up counts on top of it.
+          </p>
+
+          <DialogFooter>
+            <StatusText status={formStatus.status} className="sm:mr-auto" />
+            {recorded && (
+              <Button
+                variant="ghost"
+                onClick={() => save(null, null)}
+                disabled={isPending}
+              >
+                Clear
+              </Button>
+            )}
+            <Button
+              variant="outline"
+              onClick={() => setOpen(false)}
+              disabled={isPending}
+            >
+              Cancel
+            </Button>
+            <Button
+              onClick={handleSave}
+              disabled={isPending || amountCents === null || !asOf}
+            >
+              {isPending ? "Saving…" : "Save"}
+            </Button>
+          </DialogFooter>
+        </DialogContent>
+      </Dialog>
+    </div>
+  );
+}
diff --git a/src/components/claude/credit-purchases.tsx b/src/components/claude/credit-purchases.tsx
new file mode 100644
index 0000000..609e94b
--- /dev/null
+++ b/src/components/claude/credit-purchases.tsx
@@ -0,0 +1,411 @@
+"use client";
+
+import { useState, useTransition } from "react";
+import { useRouter } from "next/navigation";
+import { Trash2 } from "lucide-react";
+import { Button } from "@/components/ui/button";
+import {
+  Dialog,
+  DialogContent,
+  DialogDescription,
+  DialogFooter,
+  DialogHeader,
+  DialogTitle,
+} from "@/components/ui/dialog";
+import {
+  AlertDialog,
+  AlertDialogAction,
+  AlertDialogCancel,
+  AlertDialogContent,
+  AlertDialogDescription,
+  AlertDialogFooter,
+  AlertDialogHeader,
+  AlertDialogTitle,
+  AlertDialogTrigger,
+} from "@/components/ui/alert-dialog";
+import { Input } from "@/components/ui/input";
+import { Label } from "@/components/ui/label";
+import {
+  Select,
+  SelectContent,
+  SelectItem,
+  SelectTrigger,
+  SelectValue,
+} from "@/components/ui/select";
+import { StatusText, useInlineStatus } from "@/components/ui/status-text";
+import {
+  deleteCreditPurchase,
+  linkCreditPurchaseInvoice,
+  recordCreditPurchase,
+  type CreditPurchaseOverview,
+} from "@/actions/credits";
+import { parseCreditAmountCents } from "@/lib/credits";
+import { formatCurrency } from "@/lib/utils";
+
+// Radix Select forbids `value=""`, so "no invoice" needs a sentinel.
+const NO_INVOICE = "__none__";
+
+export function todayLocal(): string {
+  // en-CA formats as YYYY-MM-DD in the admin's own timezone.
+  return new Date().toLocaleDateString("en-CA");
+}
+
+type CreditPurchasesProps = {
+  toolId: number;
+  overview: CreditPurchaseOverview;
+  /** The opening balance's as-of date; purchases on or before it don't count. */
+  openingAt: string | null;
+};
+
+/**
+ * Spec 045 — record a prepaid credit top-up (cash paid for credits, never the
+ * cost of the month it lands in) and list the ones already on file.
+ */
+export function CreditPurchases({
+  toolId,
+  overview,
+  openingAt,
+}: CreditPurchasesProps) {
+  const router = useRouter();
+  const [open, setOpen] = useState(false);
+  const [amount, setAmount] = useState("");
+  const [purchasedAt, setPurchasedAt] = useState(todayLocal);
+  const [invoiceId, setInvoiceId] = useState(NO_INVOICE);
+  const [note, setNote] = useState("");
+  const [isPending, startTransition] = useTransition();
+  const formStatus = useInlineStatus();
+  const listStatus = useInlineStatus();
+  const linkStatus = useInlineStatus();
+  const [linkingId, setLinkingId] = useState<number | null>(null);
+  const [linkInvoiceId, setLinkInvoiceId] = useState("");
+  const linking = overview.purchases.find((p) => p.id === linkingId) ?? null;
+
+  const amountCents = parseCreditAmountCents(amount);
+
+  function reset() {
+    setAmount("");
+    setPurchasedAt(todayLocal());
+    setInvoiceId(NO_INVOICE);
+    setNote("");
+  }
+
+  function handleInvoiceChange(value: string) {
+    setInvoiceId(value);
+    // Prefill from the invoice, but only into empty fields — never overwrite
+    // what the admin already typed.
+    const invoice = overview.linkableInvoices.find(
+      (i) => String(i.id) === value,
+    );
+    if (invoice && amount.trim() === "") {
+      setAmount((invoice.amountCents / 100).toFixed(2));
+    }
+  }
+
+  function handleSubmit() {
+    if (amountCents === null) {
+      formStatus.error("Enter a positive amount, e.g. 610.43");
+      return;
+    }
+    startTransition(async () => {
+      const result = await recordCreditPurchase({
+        toolId,
+        purchasedAt,
+        amountCents,
+        invoiceId: invoiceId === NO_INVOICE ? undefined : Number(invoiceId),
+        note: note.trim() === "" ? undefined : note.trim(),
+      });
+      if (result.success) {
+        setOpen(false);
+        reset();
+        listStatus.ok("Top-up recorded");
+        router.refresh();
+      } else {
+        formStatus.error(result.error);
+      }
+    });
+  }
+
+  function handleLink() {
+    if (linkingId === null || linkInvoiceId === "") return;
+    startTransition(async () => {
+      const result = await linkCreditPurchaseInvoice({
+        id: linkingId,
+        invoiceId: Number(linkInvoiceId),
+      });
+      if (result.success) {
+        setLinkingId(null);
+        listStatus.ok("Invoice linked");
+        router.refresh();
+      } else {
+        linkStatus.error(result.error);
+      }
+    });
+  }
+
+  function handleDelete(id: number) {
+    startTransition(async () => {
+      const result = await deleteCreditPurchase(id);
+      if (result.success) {
+        listStatus.ok("Top-up deleted");
+        router.refresh();
+      } else {
+        listStatus.error(result.error);
+      }
+    });
+  }
+
+  return (
+    <div className="mt-4 space-y-3">
+      <div className="flex items-center justify-between gap-2">
+        <p className="text-xs uppercase tracking-wider text-muted-foreground">
+          Credit top-ups
+        </p>
+        <div className="flex items-center gap-2">
+          <StatusText status={listStatus.status} />
+          <Button size="sm" variant="outline" onClick={() => setOpen(true)}>
+            Record top-up
+          </Button>
+        </div>
+      </div>
+
+      {overview.purchases.length === 0 ? (
+        <p className="text-sm text-muted-foreground">
+          No top-ups recorded yet.
+        </p>
+      ) : (
+        <ul className="divide-y rounded-lg border text-sm">
+          {overview.purchases.map((p) => {
+            // Already inside the opening balance, so the derived figure
+            // doesn't include it either way (C4).
+            const coveredByOpening =
+              openingAt !== null && p.purchasedAt <= openingAt;
+            return (
+              <li
+                key={p.id}
+                className="flex items-center justify-between gap-3 px-3 py-2"
+              >
+                <div className="min-w-0">
+                  <span className="font-medium tabular-nums">
+                    {formatCurrency(p.amountCents)}
+                  </span>{" "}
+                  <span className="text-muted-foreground">
+                    on {p.purchasedAt}
+                    {p.invoiceNumber && <> · invoice {p.invoiceNumber}</>}
+                    {p.note && <> · {p.note}</>}
+                  </span>
+                  {coveredByOpening && (
+                    <span className="block text-xs text-warning">
+                      On or before the opening balance date ({openingAt}), so
+                      treated as already included in it.
+                    </span>
+                  )}
+                </div>
+                <div className="flex shrink-0 items-center gap-1">
+                  {p.invoiceNumber === null &&
+                    overview.linkableInvoices.length > 0 && (
+                      <Button
+                        size="sm"
+                        variant="ghost"
+                        disabled={isPending}
+                        onClick={() => {
+                          setLinkInvoiceId("");
+                          setLinkingId(p.id);
+                        }}
+                      >
+                        Link invoice
+                      </Button>
+                    )}
+                  <AlertDialog>
+                    <AlertDialogTrigger asChild>
+                      <Button
+                        size="sm"
+                        variant="ghost"
+                        disabled={isPending}
+                        aria-label={`Delete top-up of ${formatCurrency(p.amountCents)} on ${p.purchasedAt}`}
+                      >
+                        <Trash2 className="size-4" />
+                      </Button>
+                    </AlertDialogTrigger>
+                    <AlertDialogContent>
+                      <AlertDialogHeader>
+                        <AlertDialogTitle>Delete this top-up?</AlertDialogTitle>
+                        <AlertDialogDescription>
+                          {coveredByOpening
+                            ? `${formatCurrency(p.amountCents)} on ${p.purchasedAt} is on or before the opening balance date, so the derived balance already leaves it out — deleting it won't change the balance.`
+                            : `${formatCurrency(p.amountCents)} on ${p.purchasedAt} will no longer count towards the credit balance.`}
+                          {p.invoiceNumber &&
+                            ` Invoice ${p.invoiceNumber} will count as period cost again.`}
+                        </AlertDialogDescription>
+                      </AlertDialogHeader>
+                      <AlertDialogFooter>
+                        <AlertDialogCancel>Cancel</AlertDialogCancel>
+                        <AlertDialogAction onClick={() => handleDelete(p.id)}>
+                          Delete
+                        </AlertDialogAction>
+                      </AlertDialogFooter>
+                    </AlertDialogContent>
+                  </AlertDialog>
+                </div>
+              </li>
+            );
+          })}
+        </ul>
+      )}
+
+      <Dialog
+        open={linkingId !== null}
+        onOpenChange={(next) => {
+          if (!next) setLinkingId(null);
+        }}
+      >
+        <DialogContent className="sm:max-w-lg">
+          <DialogHeader>
+            <DialogTitle>Link invoice</DialogTitle>
+            <DialogDescription>
+              {linking &&
+                `Attach the invoice for the ${formatCurrency(linking.amountCents)} top-up on ${linking.purchasedAt}. The invoice then stops counting as period cost; the credit balance is unchanged.`}
+            </DialogDescription>
+          </DialogHeader>
+          <div className="space-y-2">
+            <Label htmlFor="link-invoice">Invoice</Label>
+            <Select value={linkInvoiceId} onValueChange={setLinkInvoiceId}>
+              <SelectTrigger id="link-invoice" className="w-full">
+                <SelectValue placeholder="Pick an invoice" />
+              </SelectTrigger>
+              <SelectContent>
+                {overview.linkableInvoices.map((i) => (
+                  <SelectItem key={i.id} value={String(i.id)}>
+                    {i.invoiceNumber} · {i.invoiceDate} ·{" "}
+                    {formatCurrency(i.amountCents)}
+                  </SelectItem>
+                ))}
+              </SelectContent>
+            </Select>
+          </div>
+          <DialogFooter>
+            <StatusText status={linkStatus.status} className="sm:mr-auto" />
+            <Button
+              variant="outline"
+              onClick={() => setLinkingId(null)}
+              disabled={isPending}
+            >
+              Cancel
+            </Button>
+            <Button
+              onClick={handleLink}
+              disabled={isPending || linkInvoiceId === ""}
+            >
+              {isPending ? "Saving…" : "Link invoice"}
+            </Button>
+          </DialogFooter>
+        </DialogContent>
+      </Dialog>
+
+      <Dialog
+        open={open}
+        onOpenChange={(next) => {
+          setOpen(next);
+          if (!next) reset();
+        }}
+      >
+        <DialogContent className="sm:max-w-lg">
+          <DialogHeader>
+            <DialogTitle>Record credit top-up</DialogTitle>
+            <DialogDescription>
+              Cash paid for prepaid credits. It adds to the credit balance and
+              is never counted as the cost of the month it lands in.
+            </DialogDescription>
+          </DialogHeader>
+
+          <div className="space-y-4">
+            <div className="grid grid-cols-2 gap-4">
+              <div className="space-y-2">
+                <Label htmlFor="credit-amount">
+                  Amount ($) <span className="text-destructive">*</span>
+                </Label>
+                <Input
+                  id="credit-amount"
+                  type="number"
+                  inputMode="decimal"
+                  step="0.01"
+                  min="0.01"
+                  value={amount}
+                  onChange={(e) => setAmount(e.target.value)}
+                  placeholder="0.00"
+                  autoFocus
+                />
+              </div>
+              <div className="space-y-2">
+                <Label htmlFor="credit-date">
+                  Purchase date <span className="text-destructive">*</span>
+                </Label>
+                <Input
+                  id="credit-date"
+                  type="date"
+                  value={purchasedAt}
+                  onChange={(e) => setPurchasedAt(e.target.value)}
+                />
+              </div>
+            </div>
+
+            <div className="space-y-2">
+              <Label htmlFor="credit-invoice">
+                Invoice{" "}
+                <span className="text-muted-foreground">(optional)</span>
+              </Label>
+              <Select value={invoiceId} onValueChange={handleInvoiceChange}>
+                <SelectTrigger id="credit-invoice" className="w-full">
+                  <SelectValue placeholder="None" />
+                </SelectTrigger>
+                <SelectContent>
+                  <SelectItem value={NO_INVOICE}>None</SelectItem>
+                  {overview.linkableInvoices.map((i) => (
+                    <SelectItem key={i.id} value={String(i.id)}>
+                      {i.invoiceNumber} · {i.invoiceDate} ·{" "}
+                      {formatCurrency(i.amountCents)}
+                    </SelectItem>
+                  ))}
+                </SelectContent>
+              </Select>
+              <p className="text-xs text-muted-foreground">
+                Linking the top-up&apos;s invoice stops it counting as period
+                cost. If the invoice hasn&apos;t arrived yet, record without one
+                and use &ldquo;Link invoice&rdquo; on the top-up once it has.
+              </p>
+            </div>
+
+            <div className="space-y-2">
+              <Label htmlFor="credit-note">
+                Note <span className="text-muted-foreground">(optional)</span>
+              </Label>
+              <Input
+                id="credit-note"
+                value={note}
+                onChange={(e) => setNote(e.target.value)}
+                maxLength={200}
+                placeholder="e.g. Console top-up"
+              />
+            </div>
+          </div>
+
+          <DialogFooter>
+            <StatusText status={formStatus.status} className="sm:mr-auto" />
+            <Button
+              variant="outline"
+              onClick={() => setOpen(false)}
+              disabled={isPending}
+            >
+              Cancel
+            </Button>
+            <Button
+              onClick={handleSubmit}
+              disabled={isPending || amountCents === null || !purchasedAt}
+            >
+              {isPending ? "Saving…" : "Record top-up"}
+            </Button>
+          </DialogFooter>
+        </DialogContent>
+      </Dialog>
+    </div>
+  );
+}
diff --git a/src/components/claude/org-credits-panel.tsx b/src/components/claude/org-credits-panel.tsx
index af6818e..b432675 100644
--- a/src/components/claude/org-credits-panel.tsx
+++ b/src/components/claude/org-credits-panel.tsx
@@ -20,6 +20,9 @@ import {
   creditBalanceProvenance,
   type CreditBalance,
 } from "@/lib/credits";
+import type { CreditPurchaseOverview } from "@/actions/credits";
+import { CreditPurchases } from "@/components/claude/credit-purchases";
+import { CreditOpeningBalance } from "@/components/claude/credit-opening-balance";
 
 type OrgBillingBudgetCardProps = {
   orgConfig: { billingBudgetLimitCents: number | null } | null;
@@ -29,6 +32,8 @@ type OrgBillingBudgetCardProps = {
   todayEstimate?: TodayEstimate | null;
   /** Spec 045 — the Hub-derived prepaid credit balance, or an unavailable one. */
   creditBalance?: CreditBalance | null;
+  /** Spec 045 — recorded top-ups and linkable invoices for that tool. */
+  creditPurchases?: CreditPurchaseOverview | null;
 };
 
 export function OrgBillingBudgetCard({
@@ -37,6 +42,7 @@ export function OrgBillingBudgetCard({
   projectedMonthEndCents,
   todayEstimate,
   creditBalance,
+  creditPurchases,
 }: OrgBillingBudgetCardProps) {
   const [editing, setEditing] = useState(false);
   const [inputValue, setInputValue] = useState(
@@ -239,6 +245,23 @@ export function OrgBillingBudgetCard({
             />
           </div>
         )}
+
+        {creditBalance && creditPurchases && (
+          <>
+            <CreditOpeningBalance
+              toolId={creditBalance.toolId}
+              openingCents={
+                creditBalance.available ? creditBalance.openingCents : null
+              }
+              openingAt={creditBalance.asOf}
+            />
+            <CreditPurchases
+              toolId={creditBalance.toolId}
+              overview={creditPurchases}
+              openingAt={creditBalance.asOf}
+            />
+          </>
+        )}
       </CardContent>
     </Card>
   );
diff --git a/src/lib/credits.ts b/src/lib/credits.ts
index 6956758..1b7e9d1 100644
--- a/src/lib/credits.ts
+++ b/src/lib/credits.ts
@@ -96,3 +96,28 @@ export function creditBalanceProvenance(balance: CreditBalance): string {
   }
   return `Derived by the Hub from the opening balance recorded on ${balance.asOf}, plus credit purchases, minus measured consumption since. Not read from Anthropic.`;
 }
+
+/** Dollars typed into a form → integer cents, or null if not a plain amount. */
+function parseUsdCents(input: string): number | null {
+  const trimmed = input.trim();
+  // Two decimals at most: a third is a typo, not a fraction of a cent.
+  if (!/^\d+(\.\d{1,2})?$/.test(trimmed)) return null;
+  return Math.round(Number(trimmed) * 100);
+}
+
+/**
+ * Parse a top-up amount into cents. Null for anything the server would
+ * reject: empty, non-numeric, zero, negative, or more than two decimals.
+ */
+export function parseCreditAmountCents(input: string): number | null {
+  const cents = parseUsdCents(input);
+  return cents !== null && cents > 0 ? cents : null;
+}
+
+/**
+ * Parse an opening balance into cents. Unlike a top-up, zero is a real
+ * reading — an exhausted balance — so only negatives and junk are rejected.
+ */
+export function parseOpeningBalanceCents(input: string): number | null {
+  return parseUsdCents(input);
+}
diff --git a/src/lib/db/migrations/0033_credit_purchase_invoice_unique.sql b/src/lib/db/migrations/0033_credit_purchase_invoice_unique.sql
new file mode 100644
index 0000000..a47e0a5
--- /dev/null
+++ b/src/lib/db/migrations/0033_credit_purchase_invoice_unique.sql
@@ -0,0 +1,2 @@
+CREATE UNIQUE INDEX "credit_purchases_invoice_id_unique" ON "credit_purchases" USING btree ("invoice_id");--> statement-breakpoint
+DROP INDEX "credit_purchases_invoice_id_idx";
\ No newline at end of file
diff --git a/src/lib/db/migrations/meta/0033_snapshot.json b/src/lib/db/migrations/meta/0033_snapshot.json
new file mode 100644
index 0000000..31a5635
--- /dev/null
+++ b/src/lib/db/migrations/meta/0033_snapshot.json
@@ -0,0 +1,5896 @@
+{
+  "id": "c9788ab7-ed36-492d-96b9-df4e3205df4d",
+  "prevId": "21fadf76-6cfb-449e-af1e-f68c33fce3fe",
+  "version": "7",
+  "dialect": "postgresql",
+  "tables": {
+    "public.access_tiers": {
+      "name": "access_tiers",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "serial",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "tool_id": {
+          "name": "tool_id",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "name": {
+          "name": "name",
+          "type": "varchar(100)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "description": {
+          "name": "description",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "monthly_cost_cents": {
+          "name": "monthly_cost_cents",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "pricing_model": {
+          "name": "pricing_model",
+          "type": "pricing_model",
+          "typeSchema": "public",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'seat'"
+        },
+        "is_active": {
+          "name": "is_active",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": true,
+          "default": true
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
+      "indexes": {
+        "access_tiers_tool_id_idx": {
+          "name": "access_tiers_tool_id_idx",
+          "columns": [
+            {
+              "expression": "tool_id",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": false,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        },
+        "access_tiers_tool_name_idx": {
+          "name": "access_tiers_tool_name_idx",
+          "columns": [
+            {
+              "expression": "tool_id",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            },
+            {
+              "expression": "name",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": true,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        }
+      },
+      "foreignKeys": {
+        "access_tiers_tool_id_ai_tools_id_fk": {
+          "name": "access_tiers_tool_id_ai_tools_id_fk",
+          "tableFrom": "access_tiers",
+          "tableTo": "ai_tools",
+          "columnsFrom": [
+            "tool_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "cascade",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.ai_tools": {
+      "name": "ai_tools",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "serial",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "name": {
+          "name": "name",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "vendor": {
+          "name": "vendor",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "description": {
+          "name": "description",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "max_licenses": {
+          "name": "max_licenses",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "status": {
+          "name": "status",
+          "type": "tool_status",
+          "typeSchema": "public",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'active'"
+        },
+        "requires_api_key": {
+          "name": "requires_api_key",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": true,
+          "default": false
+        },
+        "credit_opening_balance_cents": {
+          "name": "credit_opening_balance_cents",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "credit_opening_balance_at": {
+          "name": "credit_opening_balance_at",
+          "type": "date",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
+      "indexes": {
+        "ai_tools_name_idx": {
+          "name": "ai_tools_name_idx",
+          "columns": [
+            {
+              "expression": "name",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": true,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        },
+        "ai_tools_vendor_idx": {
+          "name": "ai_tools_vendor_idx",
+          "columns": [
+            {
+              "expression": "vendor",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": false,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        }
+      },
+      "foreignKeys": {},
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.annual_budgets": {
+      "name": "annual_budgets",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "serial",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "fiscal_year": {
+          "name": "fiscal_year",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "total_amount_cents": {
+          "name": "total_amount_cents",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "original_amount_cents": {
+          "name": "original_amount_cents",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "period_type": {
+          "name": "period_type",
+          "type": "period_type",
+          "typeSchema": "public",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "status": {
+          "name": "status",
+          "type": "budget_status",
+          "typeSchema": "public",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'active'"
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
+      "indexes": {
+        "annual_budgets_fiscal_year_idx": {
+          "name": "annual_budgets_fiscal_year_idx",
+          "columns": [
+            {
+              "expression": "fiscal_year",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": true,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        },
+        "annual_budgets_status_idx": {
+          "name": "annual_budgets_status_idx",
+          "columns": [
+            {
+              "expression": "status",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": false,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        }
+      },
+      "foreignKeys": {},
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.anthropic_org_config": {
+      "name": "anthropic_org_config",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "integer",
+          "primaryKey": true,
+          "notNull": true,
+          "default": 1
+        },
+        "billing_budget_limit_cents": {
+          "name": "billing_budget_limit_cents",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_by": {
+          "name": "updated_by",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": false
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {
+        "anthropic_org_config_updated_by_users_id_fk": {
+          "name": "anthropic_org_config_updated_by_users_id_fk",
+          "tableFrom": "anthropic_org_config",
+          "tableTo": "users",
+          "columnsFrom": [
+            "updated_by"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "no action",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {
+        "anthropic_org_config_id_check": {
+          "name": "anthropic_org_config_id_check",
+          "value": "\"anthropic_org_config\".\"id\" = 1"
+        }
+      },
+      "isRLSEnabled": false
+    },
+    "public.anthropic_sync_status": {
+      "name": "anthropic_sync_status",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "serial",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "user_id": {
+          "name": "user_id",
+          "type": "integer",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "last_sync_started_at": {
+          "name": "last_sync_started_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "last_sync_completed_at": {
+          "name": "last_sync_completed_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": false
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+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
+      "indexes": {
+        "tool_mappings_tool_id_idx": {
+          "name": "tool_mappings_tool_id_idx",
+          "columns": [
+            {
+              "expression": "tool_id",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": false,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        },
+        "tool_mappings_role_profile_idx": {
+          "name": "tool_mappings_role_profile_idx",
+          "columns": [
+            {
+              "expression": "role",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            },
+            {
+              "expression": "profile",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": true,
+          "where": "\"tool_mappings\".\"role\" IS NOT NULL",
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        },
+        "tool_mappings_any_profile_idx": {
+          "name": "tool_mappings_any_profile_idx",
+          "columns": [
+            {
+              "expression": "profile",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": true,
+          "where": "\"tool_mappings\".\"role\" IS NULL",
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        }
+      },
+      "foreignKeys": {
+        "tool_mappings_tool_id_ai_tools_id_fk": {
+          "name": "tool_mappings_tool_id_ai_tools_id_fk",
+          "tableFrom": "tool_mappings",
+          "tableTo": "ai_tools",
+          "columnsFrom": [
+            "tool_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "cascade",
+          "onUpdate": "no action"
+        },
+        "tool_mappings_default_tier_id_access_tiers_id_fk": {
+          "name": "tool_mappings_default_tier_id_access_tiers_id_fk",
+          "tableFrom": "tool_mappings",
+          "tableTo": "access_tiers",
+          "columnsFrom": [
+            "default_tier_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "set null",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.users": {
+      "name": "users",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "serial",
+          "primaryKey": true,
+          "notNull": true
+        },
+        "name": {
+          "name": "name",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "email": {
+          "name": "email",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "password_hash": {
+          "name": "password_hash",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "github_username": {
+          "name": "github_username",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "circle": {
+          "name": "circle",
+          "type": "varchar(100)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "role": {
+          "name": "role",
+          "type": "user_role",
+          "typeSchema": "public",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'viewer'"
+        },
+        "status": {
+          "name": "status",
+          "type": "user_status",
+          "typeSchema": "public",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'active'"
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "preferences": {
+          "name": "preferences",
+          "type": "jsonb",
+          "primaryKey": false,
+          "notNull": false,
+          "default": "'{\"theme\":\"system\"}'::jsonb"
+        },
+        "profile": {
+          "name": "profile",
+          "type": "user_profile",
+          "typeSchema": "public",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "discipline": {
+          "name": "discipline",
+          "type": "user_discipline",
+          "typeSchema": "public",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'developer'"
+        },
+        "must_change_password": {
+          "name": "must_change_password",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": true,
+          "default": true
+        },
+        "is_agent": {
+          "name": "is_agent",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": true,
+          "default": false
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
+      "indexes": {
+        "users_email_idx": {
+          "name": "users_email_idx",
+          "columns": [
+            {
+              "expression": "email",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": true,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        },
+        "users_circle_idx": {
+          "name": "users_circle_idx",
+          "columns": [
+            {
+              "expression": "circle",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": false,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        },
+        "users_status_idx": {
+          "name": "users_status_idx",
+          "columns": [
+            {
+              "expression": "status",
+              "isExpression": false,
+              "asc": true,
+              "nulls": "last"
+            }
+          ],
+          "isUnique": false,
+          "concurrently": false,
+          "method": "btree",
+          "with": {}
+        }
+      },
+      "foreignKeys": {},
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    }
+  },
+  "enums": {
+    "public.assignment_status": {
+      "name": "assignment_status",
+      "schema": "public",
+      "values": [
+        "active",
+        "inactive"
+      ]
+    },
+    "public.attribution_mode": {
+      "name": "attribution_mode",
+      "schema": "public",
+      "values": [
+        "billed",
+        "apportioned",
+        "unattributed"
+      ]
+    },
+    "public.budget_extension_category": {
+      "name": "budget_extension_category",
+      "schema": "public",
+      "values": [
+        "new_tool",
+        "scope_increase",
+        "seat_increase",
+        "vendor_price_increase",
+        "reallocation",
+        "other"
+      ]
+    },
+    "public.budget_status": {
+      "name": "budget_status",
+      "schema": "public",
+      "values": [
+        "active",
+        "archived"
+      ]
+    },
+    "public.change_type": {
+      "name": "change_type",
+      "schema": "public",
+      "values": [
+        "created",
+        "updated",
+        "deleted",
+        "status_change"
+      ]
+    },
+    "public.copilot_sync_type": {
+      "name": "copilot_sync_type",
+      "schema": "public",
+      "values": [
+        "members",
+        "copilot"
+      ]
+    },
+    "public.filter_field": {
+      "name": "filter_field",
+      "schema": "public",
+      "values": [
+        "vendor",
+        "invoice_number"
+      ]
+    },
+    "public.filter_mode": {
+      "name": "filter_mode",
+      "schema": "public",
+      "values": [
+        "whitelist",
+        "blacklist"
+      ]
+    },
+    "public.github_connection_status": {
+      "name": "github_connection_status",
+      "schema": "public",
+      "values": [
+        "active",
+        "disconnected"
+      ]
+    },
+    "public.github_sync_status": {
+      "name": "github_sync_status",
+      "schema": "public",
+      "values": [
+        "in_progress",
+        "completed",
+        "partial",
+        "failed"
+      ]
+    },
+    "public.ingestion_channel": {
+      "name": "ingestion_channel",
+      "schema": "public",
+      "values": [
+        "manual",
+        "api",
+        "bulk"
+      ]
+    },
+    "public.ingestion_kind": {
+      "name": "ingestion_kind",
+      "schema": "public",
+      "values": [
+        "invoice",
+        "license_request",
+        "user_import",
+        "other"
+      ]
+    },
+    "public.ingestion_outcome": {
+      "name": "ingestion_outcome",
+      "schema": "public",
+      "values": [
+        "success",
+        "failed",
+        "filtered"
+      ]
+    },
+    "public.ingestion_source_type": {
+      "name": "ingestion_source_type",
+      "schema": "public",
+      "values": [
+        "invoice_pdf",
+        "ms_forms_license_request",
+        "csv_user_import"
+      ]
+    },
+    "public.invite_token_status": {
+      "name": "invite_token_status",
+      "schema": "public",
+      "values": [
+        "active",
+        "consumed",
+        "invalidated"
+      ]
+    },
+    "public.license_request_profile": {
+      "name": "license_request_profile",
+      "schema": "public",
+      "values": [
+        "baseline",
+        "maxed",
+        "indie"
+      ]
+    },
+    "public.license_request_status": {
+      "name": "license_request_status",
+      "schema": "public",
+      "values": [
+        "pending_review",
+        "approved",
+        "rejected",
+        "completed",
+        "cancelled"
+      ]
+    },
+    "public.message_template_kind": {
+      "name": "message_template_kind",
+      "schema": "public",
+      "values": [
+        "approval",
+        "completion"
+      ]
+    },
+    "public.period_type": {
+      "name": "period_type",
+      "schema": "public",
+      "values": [
+        "monthly",
+        "quarterly"
+      ]
+    },
+    "public.pricing_model": {
+      "name": "pricing_model",
+      "schema": "public",
+      "values": [
+        "seat",
+        "usage"
+      ]
+    },
+    "public.sync_operation_type": {
+      "name": "sync_operation_type",
+      "schema": "public",
+      "values": [
+        "regular",
+        "backfill"
+      ]
+    },
+    "public.sync_outcome": {
+      "name": "sync_outcome",
+      "schema": "public",
+      "values": [
+        "in_progress",
+        "success",
+        "partial",
+        "failed"
+      ]
+    },
+    "public.sync_source_type": {
+      "name": "sync_source_type",
+      "schema": "public",
+      "values": [
+        "github_copilot_billing",
+        "anthropic_api_usage",
+        "anthropic_team_invoices",
+        "github_members",
+        "invoice_period_matching",
+        "anthropic_api_costs"
+      ]
+    },
+    "public.tool_status": {
+      "name": "tool_status",
+      "schema": "public",
+      "values": [
+        "active",
+        "archived"
+      ]
+    },
+    "public.user_discipline": {
+      "name": "user_discipline",
+      "schema": "public",
+      "values": [
+        "developer",
+        "conception",
+        "business"
+      ]
+    },
+    "public.user_profile": {
+      "name": "user_profile",
+      "schema": "public",
+      "values": [
+        "boost",
+        "maxed",
+        "indie"
+      ]
+    },
+    "public.user_role": {
+      "name": "user_role",
+      "schema": "public",
+      "values": [
+        "admin",
+        "viewer"
+      ]
+    },
+    "public.user_status": {
+      "name": "user_status",
+      "schema": "public",
+      "values": [
+        "active",
+        "inactive"
+      ]
+    }
+  },
+  "schemas": {},
+  "sequences": {},
+  "roles": {},
+  "policies": {},
+  "views": {},
+  "_meta": {
+    "columns": {},
+    "schemas": {},
+    "tables": {}
+  }
+}
\ No newline at end of file
diff --git a/src/lib/db/migrations/meta/_journal.json b/src/lib/db/migrations/meta/_journal.json
index 2e3a938..7c07ee7 100644
--- a/src/lib/db/migrations/meta/_journal.json
+++ b/src/lib/db/migrations/meta/_journal.json
@@ -232,6 +232,13 @@
       "when": 1789735800779,
       "tag": "0032_curious_weapon_omega",
       "breakpoints": true
+    },
+    {
+      "idx": 33,
+      "version": "7",
+      "when": 1791190223489,
+      "tag": "0033_credit_purchase_invoice_unique",
+      "breakpoints": true
     }
   ]
 }
\ No newline at end of file
diff --git a/src/lib/db/schema.ts b/src/lib/db/schema.ts
index 17c5f5e..f4c3ebc 100644
--- a/src/lib/db/schema.ts
+++ b/src/lib/db/schema.ts
@@ -1090,7 +1090,10 @@ export const creditPurchases = pgTable(
       table.toolId,
       table.purchasedAt,
     ),
-    index("credit_purchases_invoice_id_idx").on(table.invoiceId),
+    // One invoice backs at most one top-up: a second row would double-count
+    // the balance. Unique, so the race between two admins is closed by the
+    // database, not a check-then-insert. NULLs (no invoice yet) stay distinct.
+    uniqueIndex("credit_purchases_invoice_id_unique").on(table.invoiceId),
     check(
       "credit_purchases_amount_cents_check",
       sql`${table.amountCents} > 0`,
diff --git a/tests/unit/credits.test.ts b/tests/unit/credits.test.ts
index d26df13..8b9b46c 100644
--- a/tests/unit/credits.test.ts
+++ b/tests/unit/credits.test.ts
@@ -3,6 +3,8 @@ import { describe, it, expect } from "vitest";
 import {
   creditBalanceProvenance,
   deriveCreditBalance,
+  parseCreditAmountCents,
+  parseOpeningBalanceCents,
   type DeriveCreditBalanceInput,
 } from "@/lib/credits";
 
@@ -135,3 +137,35 @@ describe("deriveCreditBalance", () => {
     );
   });
 });
+
+describe("parseCreditAmountCents", () => {
+  it("parses dollars and cents into integer cents", () => {
+    expect(parseCreditAmountCents("610.43")).toBe(61043);
+    expect(parseCreditAmountCents(" 500 ")).toBe(50000);
+    expect(parseCreditAmountCents("0.1")).toBe(10);
+  });
+
+  it("does not lose a cent to floating point", () => {
+    expect(parseCreditAmountCents("1.15")).toBe(115);
+    expect(parseCreditAmountCents("4.35")).toBe(435);
+  });
+
+  it("rejects what the server would reject", () => {
+    for (const bad of ["", "0", "0.00", "-5", "abc", "1.234", "1,000.00", "1e3"]) {
+      expect(parseCreditAmountCents(bad)).toBeNull();
+    }
+  });
+});
+
+describe("parseOpeningBalanceCents", () => {
+  it("accepts zero, an exhausted balance", () => {
+    expect(parseOpeningBalanceCents("0")).toBe(0);
+    expect(parseOpeningBalanceCents("44.79")).toBe(4479);
+  });
+
+  it("rejects negatives and junk", () => {
+    for (const bad of ["", "-1", "abc", "1.234"]) {
+      expect(parseOpeningBalanceCents(bad)).toBeNull();
+    }
+  });
+});