diff --git a/src/app/[locale]/providers.tsx b/src/app/[locale]/providers.tsx
index 82192f0..40f290e 100644
--- a/src/app/[locale]/providers.tsx
+++ b/src/app/[locale]/providers.tsx
@@ -4,6 +4,7 @@ import { ActiveThemeProvider } from '@/components/layout/active-theme-provider';
 import { PaymentProvider } from '@/components/layout/payment-provider';
 import { TooltipProvider } from '@/components/ui/tooltip';
 import { websiteConfig } from '@/config/website';
+import { CreditsProvider } from '@/providers/credits-provider';
 import type { Translations } from 'fumadocs-ui/i18n';
 import { RootProvider } from 'fumadocs-ui/provider';
 import { useTranslations } from 'next-intl';
@@ -25,6 +26,7 @@ interface ProvidersProps {
  * - RootProvider: Provides the root provider for Fumadocs UI.
  * - TooltipProvider: Provides the tooltip to the app.
  * - PaymentProvider: Provides the payment state to the app.
+ * - CreditsProvider: Provides the credits state to the app.
  */
 export function Providers({ children, locale }: ProvidersProps) {
   const theme = useTheme();
@@ -61,7 +63,9 @@ export function Providers({ children, locale }: ProvidersProps) {
       <ActiveThemeProvider>
         <RootProvider theme={theme} i18n={{ locale, locales, translations }}>
           <TooltipProvider>
-            <PaymentProvider>{children}</PaymentProvider>
+            <PaymentProvider>
+              <CreditsProvider>{children}</CreditsProvider>
+            </PaymentProvider>
           </TooltipProvider>
         </RootProvider>
       </ActiveThemeProvider>
diff --git a/src/providers/credits-provider.tsx b/src/providers/credits-provider.tsx
new file mode 100644
index 0000000..3ac8ca5
--- /dev/null
+++ b/src/providers/credits-provider.tsx
@@ -0,0 +1,28 @@
+'use client';
+
+import { useCurrentUser } from '@/hooks/use-current-user';
+import { useCreditsStore } from '@/stores/credits-store';
+import { useEffect } from 'react';
+
+/**
+ * Credits Provider Component
+ *
+ * This component initializes the credits store when the user is authenticated
+ * and handles cleanup when the user logs out.
+ */
+export function CreditsProvider({ children }: { children: React.ReactNode }) {
+  const user = useCurrentUser();
+  const { fetchCredits, resetState } = useCreditsStore();
+
+  useEffect(() => {
+    if (user) {
+      // User is logged in, fetch their credits
+      fetchCredits(user);
+    } else {
+      // User is logged out, reset the credits state
+      resetState();
+    }
+  }, [user, fetchCredits, resetState]);
+
+  return <>{children}</>;
+}
diff --git a/src/stores/credits-store.ts b/src/stores/credits-store.ts
new file mode 100644
index 0000000..7c39180
--- /dev/null
+++ b/src/stores/credits-store.ts
@@ -0,0 +1,212 @@
+import { consumeCreditsAction } from '@/actions/consume-credits';
+import { getCreditBalanceAction } from '@/actions/get-credit-balance';
+import type { Session } from '@/lib/auth-types';
+import { create } from 'zustand';
+
+/**
+ * Credits state interface
+ */
+export interface CreditsState {
+  // Current credit balance
+  balance: number;
+  // Loading state
+  isLoading: boolean;
+  // Error state
+  error: string | null;
+  // Last fetch timestamp to avoid frequent requests
+  lastFetchTime: number | null;
+
+  // Actions
+  fetchCredits: (user: Session['user'] | null | undefined) => Promise<void>;
+  consumeCredits: (amount: number, description: string) => Promise<boolean>;
+  refreshCredits: (user: Session['user'] | null | undefined) => Promise<void>;
+  resetState: () => void;
+  // For optimistic updates
+  updateBalanceOptimistically: (amount: number) => void;
+}
+
+// Cache duration: 30 seconds
+const CACHE_DURATION = 30 * 1000;
+
+/**
+ * Credits store using Zustand
+ * Manages the user's credit balance globally with caching and optimistic updates
+ */
+export const useCreditsStore = create<CreditsState>((set, get) => ({
+  // Initial state
+  balance: 0,
+  isLoading: false,
+  error: null,
+  lastFetchTime: null,
+
+  /**
+   * Fetch credit balance for the current user with caching
+   * @param user Current user from auth session
+   */
+  fetchCredits: async (user) => {
+    // Skip if already loading
+    if (get().isLoading) return;
+
+    // Skip if no user is provided
+    if (!user) {
+      set({
+        balance: 0,
+        error: null,
+        lastFetchTime: null,
+      });
+      return;
+    }
+
+    // Check if we have recent data (within cache duration)
+    const { lastFetchTime } = get();
+    const now = Date.now();
+    if (lastFetchTime && now - lastFetchTime < CACHE_DURATION) {
+      return; // Use cached data
+    }
+
+    set({ isLoading: true, error: null });
+
+    try {
+      const result = await getCreditBalanceAction();
+
+      if (result?.data?.success) {
+        set({
+          balance: result.data.credits || 0,
+          isLoading: false,
+          error: null,
+          lastFetchTime: now,
+        });
+      } else {
+        set({
+          error: result?.data?.error || 'Failed to fetch credit balance',
+          isLoading: false,
+        });
+      }
+    } catch (error) {
+      console.error('fetch credits error:', error);
+      set({
+        error: 'Failed to fetch credit balance',
+        isLoading: false,
+      });
+    }
+  },
+
+  /**
+   * Consume credits with optimistic updates
+   * @param amount Amount of credits to consume
+   * @param description Description for the transaction
+   * @returns Promise<boolean> Success status
+   */
+  consumeCredits: async (amount: number, description: string) => {
+    const { balance } = get();
+
+    // Check if we have enough credits
+    if (balance < amount) {
+      set({
+        error: `Insufficient credits. You need ${amount} credits but only have ${balance}.`,
+      });
+      return false;
+    }
+
+    // Optimistically update the balance
+    set({
+      balance: balance - amount,
+      error: null,
+      isLoading: true,
+    });
+
+    try {
+      const result = await consumeCreditsAction({
+        amount,
+        description,
+      });
+
+      if (result?.data?.success) {
+        set({
+          isLoading: false,
+          error: null,
+        });
+        return true;
+      }
+
+      // Revert optimistic update on failure
+      set({
+        balance: balance, // Revert to original balance
+        error: result?.data?.error || 'Failed to consume credits',
+        isLoading: false,
+      });
+      return false;
+    } catch (error) {
+      console.error('consume credits error:', error);
+      // Revert optimistic update on error
+      set({
+        balance: balance, // Revert to original balance
+        error: 'Failed to consume credits',
+        isLoading: false,
+      });
+      return false;
+    }
+  },
+
+  /**
+   * Force refresh credit balance (ignores cache)
+   * @param user Current user from auth session
+   */
+  refreshCredits: async (user) => {
+    if (!user) return;
+
+    set({
+      isLoading: true,
+      error: null,
+      lastFetchTime: null, // Clear cache to force refresh
+    });
+
+    try {
+      const result = await getCreditBalanceAction();
+
+      if (result?.data?.success) {
+        set({
+          balance: result.data.credits || 0,
+          isLoading: false,
+          error: null,
+          lastFetchTime: Date.now(),
+        });
+      } else {
+        set({
+          error: result?.data?.error || 'Failed to fetch credit balance',
+          isLoading: false,
+        });
+      }
+    } catch (error) {
+      console.error('refresh credits error:', error);
+      set({
+        error: 'Failed to fetch credit balance',
+        isLoading: false,
+      });
+    }
+  },
+
+  /**
+   * Update balance optimistically (for external credit additions)
+   * @param amount Amount to add to current balance
+   */
+  updateBalanceOptimistically: (amount: number) => {
+    const { balance } = get();
+    set({
+      balance: balance + amount,
+      lastFetchTime: null, // Clear cache to fetch fresh data next time
+    });
+  },
+
+  /**
+   * Reset credits state
+   */
+  resetState: () => {
+    set({
+      balance: 0,
+      isLoading: false,
+      error: null,
+      lastFetchTime: null,
+    });
+  },
+}));