diff --git a/SVSim.Database/Services/CurrencySpendService.cs b/SVSim.Database/Services/CurrencySpendService.cs
new file mode 100644
index 0000000..1d3ef5e
--- /dev/null
+++ b/SVSim.Database/Services/CurrencySpendService.cs
@@ -0,0 +1,51 @@
+using SVSim.Database.Models;
+
+namespace SVSim.Database.Services;
+
+public class CurrencySpendService : ICurrencySpendService
+{
+    private readonly IViewerEntitlements _entitlements;
+
+    public CurrencySpendService(IViewerEntitlements entitlements) => _entitlements = entitlements;
+
+    public Task<SpendResult> TrySpendAsync(Viewer viewer, SpendCurrency currency, long cost, CancellationToken ct = default)
+    {
+        if (cost < 0) cost = 0;
+
+        // Freeplay bypass applies only to the three main currencies; SpotPoint always real.
+        if (_entitlements.IsFreeplay && currency != SpendCurrency.SpotPoint)
+        {
+            return Task.FromResult(new SpendResult(
+                SpendOutcome.Success, _entitlements.EffectiveBalance(viewer, currency)));
+        }
+
+        ulong current = GetBalance(viewer, currency);
+        if (current < (ulong)cost)
+            return Task.FromResult(new SpendResult(SpendOutcome.Insufficient, (long)current));
+
+        ulong post = current - (ulong)cost;
+        SetBalance(viewer, currency, post);
+        return Task.FromResult(new SpendResult(SpendOutcome.Success, (long)post));
+    }
+
+    private static ulong GetBalance(Viewer v, SpendCurrency c) => c switch
+    {
+        SpendCurrency.Crystal => v.Currency.Crystals,
+        SpendCurrency.Rupee => v.Currency.Rupees,
+        SpendCurrency.RedEther => v.Currency.RedEther,
+        SpendCurrency.SpotPoint => v.Currency.SpotPoints,
+        _ => throw new ArgumentOutOfRangeException(nameof(c)),
+    };
+
+    private static void SetBalance(Viewer v, SpendCurrency c, ulong value)
+    {
+        switch (c)
+        {
+            case SpendCurrency.Crystal: v.Currency.Crystals = value; break;
+            case SpendCurrency.Rupee: v.Currency.Rupees = value; break;
+            case SpendCurrency.RedEther: v.Currency.RedEther = value; break;
+            case SpendCurrency.SpotPoint: v.Currency.SpotPoints = value; break;
+            default: throw new ArgumentOutOfRangeException(nameof(c));
+        }
+    }
+}
diff --git a/SVSim.UnitTests/Services/CurrencySpendServiceTests.cs b/SVSim.UnitTests/Services/CurrencySpendServiceTests.cs
new file mode 100644
index 0000000..f506b66
--- /dev/null
+++ b/SVSim.UnitTests/Services/CurrencySpendServiceTests.cs
@@ -0,0 +1,91 @@
+using SVSim.Database.Enums;
+using SVSim.Database.Models;
+using SVSim.Database.Services;
+
+namespace SVSim.UnitTests.Services;
+
+public class CurrencySpendServiceTests
+{
+    private sealed class FakeEntitlements : IViewerEntitlements
+    {
+        public bool IsFreeplay { get; init; }
+        public long FreeplayAmount { get; init; } = 99999;
+
+        public long EffectiveBalance(Viewer viewer, SpendCurrency currency)
+        {
+            if (IsFreeplay && currency != SpendCurrency.SpotPoint) return FreeplayAmount;
+            return currency switch
+            {
+                SpendCurrency.Crystal => (long)viewer.Currency.Crystals,
+                SpendCurrency.Rupee => (long)viewer.Currency.Rupees,
+                SpendCurrency.RedEther => (long)viewer.Currency.RedEther,
+                SpendCurrency.SpotPoint => (long)viewer.Currency.SpotPoints,
+                _ => 0,
+            };
+        }
+        public bool OwnsCard(Viewer viewer, long cardId) => IsFreeplay;
+        public bool OwnsCosmetic(Viewer viewer, CosmeticType type, int id) => IsFreeplay;
+        public Task<IReadOnlyList<OwnedCardEntry>> EffectiveOwnedCardsAsync(Viewer viewer, CancellationToken ct = default)
+            => Task.FromResult<IReadOnlyList<OwnedCardEntry>>(new List<OwnedCardEntry>());
+        public Task<EffectiveCosmetics> EffectiveCosmeticsAsync(Viewer viewer, CancellationToken ct = default)
+            => throw new NotSupportedException();
+    }
+
+    private static Viewer NewViewer() => new() { Currency = new ViewerCurrency() };
+
+    [Test]
+    public async Task Normal_deducts_and_returns_post_state()
+    {
+        var v = NewViewer();
+        v.Currency.Crystals = 250;
+        var svc = new CurrencySpendService(new FakeEntitlements { IsFreeplay = false });
+
+        var r = await svc.TrySpendAsync(v, SpendCurrency.Crystal, 100);
+
+        Assert.That(r.Success, Is.True);
+        Assert.That(r.PostStateTotal, Is.EqualTo(150));
+        Assert.That(v.Currency.Crystals, Is.EqualTo(150UL));
+    }
+
+    [Test]
+    public async Task Normal_insufficient_does_not_deduct()
+    {
+        var v = NewViewer();
+        v.Currency.Rupees = 50;
+        var svc = new CurrencySpendService(new FakeEntitlements { IsFreeplay = false });
+
+        var r = await svc.TrySpendAsync(v, SpendCurrency.Rupee, 100);
+
+        Assert.That(r.Success, Is.False);
+        Assert.That(r.Outcome, Is.EqualTo(SpendOutcome.Insufficient));
+        Assert.That(v.Currency.Rupees, Is.EqualTo(50UL), "no deduction on insufficient funds");
+    }
+
+    [Test]
+    public async Task Freeplay_main_currency_succeeds_without_deducting()
+    {
+        var v = NewViewer();
+        v.Currency.Crystals = 10;
+        var svc = new CurrencySpendService(new FakeEntitlements { IsFreeplay = true });
+
+        var r = await svc.TrySpendAsync(v, SpendCurrency.Crystal, 100000);
+
+        Assert.That(r.Success, Is.True, "freeplay never blocks on affordability");
+        Assert.That(r.PostStateTotal, Is.EqualTo(99999), "post-state shows the freeplay balance");
+        Assert.That(v.Currency.Crystals, Is.EqualTo(10UL), "DB balance untouched in freeplay");
+    }
+
+    [Test]
+    public async Task Freeplay_spot_points_still_deduct()
+    {
+        var v = NewViewer();
+        v.Currency.SpotPoints = 300;
+        var svc = new CurrencySpendService(new FakeEntitlements { IsFreeplay = true });
+
+        var r = await svc.TrySpendAsync(v, SpendCurrency.SpotPoint, 100);
+
+        Assert.That(r.Success, Is.True);
+        Assert.That(r.PostStateTotal, Is.EqualTo(200));
+        Assert.That(v.Currency.SpotPoints, Is.EqualTo(200UL), "spot points are real even in freeplay");
+    }
+}