diff --git a/SVSim.Database/Services/ICurrencySpendService.cs b/SVSim.Database/Services/ICurrencySpendService.cs
new file mode 100644
index 0000000..6aa27c1
--- /dev/null
+++ b/SVSim.Database/Services/ICurrencySpendService.cs
@@ -0,0 +1,14 @@
+using SVSim.Database.Models;
+
+namespace SVSim.Database.Services;
+
+/// <summary>
+/// Centralized debit primitive — the symmetric twin of <c>RewardGrantService.ApplyAsync</c>.
+/// Encapsulates the affordability-check + deduction + post-state-total pattern that was inlined
+/// across the shop/pack controllers. Does NOT call <c>SaveChangesAsync</c>; the caller saves.
+/// Freeplay (for Crystal/Rupee/RedEther) makes spends always succeed without deducting.
+/// </summary>
+public interface ICurrencySpendService
+{
+    Task<SpendResult> TrySpendAsync(Viewer viewer, SpendCurrency currency, long cost, CancellationToken ct = default);
+}
diff --git a/SVSim.Database/Services/IViewerEntitlements.cs b/SVSim.Database/Services/IViewerEntitlements.cs
new file mode 100644
index 0000000..1a3ba83
--- /dev/null
+++ b/SVSim.Database/Services/IViewerEntitlements.cs
@@ -0,0 +1,46 @@
+using SVSim.Database.Enums;
+using SVSim.Database.Models;
+
+namespace SVSim.Database.Services;
+
+/// <summary>
+/// The single read/ownership authority for what a viewer is *treated as* owning. Knows the
+/// Freeplay flag; all freeplay read-side behavior lives here. See
+/// docs/superpowers/specs/2026-05-29-freeplay-mode-design.md.
+/// </summary>
+public interface IViewerEntitlements
+{
+    /// <summary>True when the global Freeplay config section is enabled.</summary>
+    bool IsFreeplay { get; }
+
+    /// <summary>
+    /// The balance the viewer is treated as having: the configured freeplay amount for
+    /// Crystal/Rupee/RedEther when freeplay is on, otherwise (and always for SpotPoint) the real
+    /// <c>viewer.Currency</c> field.
+    /// </summary>
+    long EffectiveBalance(Viewer viewer, SpendCurrency currency);
+
+    bool OwnsCard(Viewer viewer, long cardId);
+
+    /// <summary><paramref name="type"/> uses <see cref="CosmeticType"/> (Skin == leader skin).</summary>
+    bool OwnsCosmetic(Viewer viewer, CosmeticType type, int id);
+
+    /// <summary>The full owned-card projection for /load/index's user_card_list.</summary>
+    Task<IReadOnlyList<OwnedCardEntry>> EffectiveOwnedCardsAsync(Viewer viewer, CancellationToken ct = default);
+
+    /// <summary>The cosmetic id-lists + leader-skin catalog/owned-set for /load/index.</summary>
+    Task<EffectiveCosmetics> EffectiveCosmeticsAsync(Viewer viewer, CancellationToken ct = default);
+}
+
+/// <summary>
+/// Cosmetic projection bundle for /load/index. The four id-lists are "what the viewer owns"
+/// (all of them in freeplay). Leader skins are always the full catalog with a per-skin owned flag;
+/// <see cref="OwnedLeaderSkinIds"/> is every skin id in freeplay.
+/// </summary>
+public sealed record EffectiveCosmetics(
+    IReadOnlyList<int> SleeveIds,
+    IReadOnlyList<int> EmblemIds,
+    IReadOnlyList<int> DegreeIds,
+    IReadOnlyList<int> MyPageBackgroundIds,
+    IReadOnlyList<LeaderSkinEntry> AllLeaderSkins,
+    IReadOnlySet<int> OwnedLeaderSkinIds);
diff --git a/SVSim.Database/Services/SpendCurrency.cs b/SVSim.Database/Services/SpendCurrency.cs
new file mode 100644
index 0000000..ee7f246
--- /dev/null
+++ b/SVSim.Database/Services/SpendCurrency.cs
@@ -0,0 +1,16 @@
+namespace SVSim.Database.Services;
+
+/// <summary>The scalar wallet currencies the central debit primitive understands.</summary>
+public enum SpendCurrency { Crystal, Rupee, RedEther, SpotPoint }
+
+public enum SpendOutcome { Success, Insufficient }
+
+/// <summary>
+/// Result of a <see cref="ICurrencySpendService.TrySpendAsync"/> call. <see cref="PostStateTotal"/>
+/// is the balance the client should show after the spend — the real post-deduction balance, or the
+/// freeplay effective balance when the spend was a freeplay no-op.
+/// </summary>
+public sealed record SpendResult(SpendOutcome Outcome, long PostStateTotal)
+{
+    public bool Success => Outcome == SpendOutcome.Success;
+}