step

AGENTS.md

@@ -20,6 +20,15 @@ lib/
 ├── data/           # Database schema, repositories
 ├── features/       # Feature modules (provider + screen + widgets)
 ├── shared/         # Cross-feature models, providers, services, widgets
+│   ├── feature_flags/
+│   │   ├── feature_flags.dart          # abstract class FeatureFlags
+│   │   ├── free_feature_flags.dart     # FreeFeatureFlags implements FeatureFlags
+│   │   ├── vip_feature_flags.dart      # VipFeatureFlags implements FeatureFlags
+│   │   └── feature_flags_provider.dart # featureFlagsProvider
+│   └── paywall/
+│       ├── paywall_guard.dart          # PaywallGuard widget
+│       ├── paywall_banner.dart         # inline upsell banner
+│       └── paywall_screen.dart         # full-screen paywall
 └── main.dart
 ```
 
@@ -46,6 +55,8 @@ lib/
 - `services/` — `ExchangeRateService`, `StorageService`
 - `utils/` — `CurrencyUtils`
 - `widgets/` — `BynSign`, `ErrorSnackbar`
+- `feature_flags/` — `FeatureFlags` abstraction and plan-specific implementations
+- `paywall/` — `PaywallGuard`, `PaywallBanner`, `PaywallScreen`
 
 ## Architecture Rules
 
@@ -57,6 +68,14 @@ lib/
 - Database queries are in repositories only — no raw Drift queries in providers or widgets
 - After any changes to Drift tables or DAOs, run `dart run build_runner build --delete-conflicting-outputs`
 
+### Feature Gating Rules
+
+- Never check `user.isVip` or `plan == UserPlan.vip` directly in widgets or screens
+- All access control goes through `featureFlagsProvider` — read the relevant flag, wrap with `PaywallGuard`
+- Quantity limits (e.g. max accounts) are enforced inside repositories, not in widgets — throw `FeatureLimitException` on violation
+- Routes that are entirely VIP-only use GoRouter `redirect` reading `featureFlagsProvider`
+- Adding a new gated feature means: add a getter to `FeatureFlags`, implement in `FreeFeatureFlags` and `VipFeatureFlags`, then use in UI/repo
+
 ## Code Style
 
 **No comments anywhere in the codebase.** No `//`, no `/* */`, no `///` doc comments. Code must be self-explanatory through naming.
@@ -110,6 +129,44 @@ result.when(
 
 **Colors for accounts** — use `CardColorService`, not hardcoded colors.
 
+**Feature gating** — wrap gated UI with `PaywallGuard`:
+```dart
+class ExportScreen extends ConsumerWidget {
+  @override
+  Widget build(BuildContext context, WidgetRef ref) {
+    final flags = ref.watch(featureFlagsProvider);
+    return PaywallGuard(
+      canAccess: flags.canExportCsv,
+      child: ExportContent(),
+    );
+  }
+}
+```
+
+**Quantity limits in repositories**:
+```dart
+Future<Result<void>> createAccount(Account account) async {
+  final flags = ref.read(featureFlagsProvider);
+  final count = await _db.countAccounts();
+  if (flags.maxAccounts != -1 && count >= flags.maxAccounts) {
+    return Result.failure(FeatureLimitException());
+  }
+  return Result.success(await _db.insertAccount(account));
+}
+```
+
+**VIP-only routes** — use GoRouter redirect, never guard inside the screen itself:
+```dart
+GoRoute(
+  path: '/analytics',
+  redirect: (context, state) {
+    final flags = ref.read(featureFlagsProvider);
+    return flags.canSeeAnalytics ? null : '/paywall';
+  },
+  builder: (context, state) => AnalyticsScreen(),
+),
+```
+
 ## Existing Features
 
 - **dashboard** — main screen with account carousel (`BalanceCard`), transaction list, search, filter chips, budget progress, account editor overlay
@@ -125,4 +182,7 @@ result.when(
 - Do not create new providers in `shared/providers/` unless the provider is needed by 2+ features
 - Do not use `BuildContext` across async gaps without checking `mounted`
 - Do not hardcode user-facing strings — use `AppStrings`
-- Do not format currency amounts manually — use `CurrencyUtils`
+- Do not format currency amounts manually — use `CurrencyUtils`
+- Do not check `user.isVip` or `plan == UserPlan.vip` in widgets or screens — use `featureFlagsProvider`
+- Do not enforce feature limits in widgets — put them in repositories and throw `FeatureLimitException`
+- Do not add a new gated feature without adding a corresponding getter to `FeatureFlags` and implementing it in both `FreeFeatureFlags` and `VipFeatureFlags`

lib/app/router.dart

@@ -8,6 +8,7 @@ import '../features/categories/screen.dart';
 import '../features/settings/screen.dart';
 import '../features/settings/categories/category_manager_screen.dart';
 import '../shared/models/transaction.dart';
+import '../shared/paywall/paywall_screen.dart';
 
 final _shellKey = GlobalKey<NavigatorState>();
 
@@ -49,6 +50,10 @@ final appRouter = GoRouter(
       path: '/settings/categories',
       builder: (context, state) => const CategoryManagerScreen(),
     ),
+    GoRoute(
+      path: '/paywall',
+      builder: (context, state) => const PaywallScreen(),
+    ),
   ],
 );
 

lib/core/l10n/app_strings.dart

@@ -239,4 +239,26 @@ class AppStrings {
   String get categorySaved => _ru ? 'Категория сохранена' : 'Category saved';
 
   String get dateLocale => _ru ? 'ru_RU' : 'en_US';
+
+  String get premium => _ru ? 'Премиум' : 'Premium';
+  String get premiumStatus => _ru ? 'Статус премиум' : 'Premium status';
+  String get premiumDescription => _ru
+      ? 'Разблокируйте цвета карточек, высоту и до 8 счетов'
+      : 'Unlock card colors, card height and up to 8 accounts';
+  String get premiumEnabled => _ru ? 'Включён' : 'Enabled';
+  String get premiumDisabled => _ru ? 'Выключен' : 'Disabled';
+  String get premiumFeatureLocked =>
+      _ru ? 'Доступно в премиум' : 'Premium feature';
+  String get accountLimitReached => _ru
+      ? 'Достигнут лиммт счетов. Обновите до премиум для большего количества.'
+      : 'Account limit reached. Upgrade to premium for more accounts.';
+  String accountsLimitLabel(int max) =>
+      _ru ? 'Максимум $max счетов.' : 'Maximum $max accounts.';
+
+  String get premiumFeatureColors =>
+      _ru ? 'Настройка цветов карточек' : 'Custom card colors';
+  String get premiumFeatureHeight =>
+      _ru ? 'Изменение высоты карточки' : 'Resizable card height';
+  String get premiumFeatureAccounts =>
+      _ru ? 'До 8 счетов' : 'Up to 8 accounts';
 }

lib/data/repositories/account_repository.dart

@@ -1,19 +1,21 @@
 import 'package:drift/drift.dart';
 import '../database/app_database.dart';
 import '../../shared/models/account.dart' as model;
+import '../../shared/feature_flags/feature_flags.dart';
 
-class AccountLimitException implements Exception {
+class FeatureLimitException implements Exception {
   final String message;
-  AccountLimitException(this.message);
+  FeatureLimitException(this.message);
 
   @override
-  String toString() => 'AccountLimitException: $message';
+  String toString() => 'FeatureLimitException: $message';
 }
 
 class AccountRepository {
   final AppDatabase _db;
+  final FeatureFlags _featureFlags;
 
-  AccountRepository(this._db);
+  AccountRepository(this._db, this._featureFlags);
 
   Stream<List<model.Account>> watchAll() {
     return (_db.select(_db.accounts)
@@ -163,6 +165,11 @@ class AccountRepository {
   }
 
   Future<int> add(model.Account account) async {
+    final existing = await getAll();
+    final nonMainCount = existing.where((a) => !a.isMain).length;
+    if (nonMainCount >= _featureFlags.maxAccounts) {
+      throw FeatureLimitException('Account limit reached (${_featureFlags.maxAccounts})');
+    }
     return await _db.into(_db.accounts).insert(
       AccountsCompanion.insert(
         name: account.name,

lib/features/categories/widgets/account_scope_chips.dart

@@ -33,7 +33,15 @@ class AccountScopeChips extends ConsumerWidget {
                   HapticService.selection();
                 },
               ),
-              const SizedBox(width: 6),
+              if (accounts.isNotEmpty) ...[
+                const SizedBox(width: 8),
+                Container(
+                  width: 1,
+                  height: 16,
+                  color: Theme.of(context).colorScheme.onSurface.withOpacity(0.15),
+                ),
+                const SizedBox(width: 8),
+              ],
               ...accounts.asMap().entries.map((entry) {
                 final index = entry.key + 1;
                 final account = entry.value;

lib/features/dashboard/provider.dart

@@ -7,6 +7,7 @@ import '../../core/utils/result.dart';
 import '../../data/database/app_database.dart' as db;
 import '../../data/repositories/transaction_repository.dart';
 import '../../data/repositories/account_repository.dart';
+import '../../shared/feature_flags/feature_flags_provider.dart';
 import '../../shared/models/transaction.dart';
 import '../../shared/models/account.dart';
 import '../../shared/services/storage_service.dart';
@@ -27,7 +28,8 @@ final transactionRepositoryProvider = Provider<TransactionRepository>((ref) {
 
 final accountRepositoryProvider = Provider<AccountRepository>((ref) {
   final db = ref.watch(appDatabaseProvider);
-  return AccountRepository(db);
+  final flags = ref.watch(featureFlagsProvider);
+  return AccountRepository(db, flags);
 });
 
 final storageServiceProvider = Provider<StorageService>((ref) {

lib/features/dashboard/screen.dart

@@ -5,7 +5,9 @@ import 'package:intl/intl.dart';
 import '../../core/l10n/locale_provider.dart';
 import '../../core/services/card_color_service.dart';
 import '../../core/services/haptic_service.dart';
+import '../../data/repositories/account_repository.dart';
 import '../../shared/models/account.dart';
+import '../../shared/feature_flags/feature_flags_provider.dart';
 import '../settings/provider.dart';
 import 'provider.dart';
 import 'widgets/account_editor_overlay/account_editor_overlay.dart';
@@ -56,6 +58,7 @@ class _DashboardScreenState extends ConsumerState<DashboardScreen> {
   bool isAddingAccount = false;
 
   void _onCardLongPress() {
+    if (!ref.read(featureFlagsProvider).canEditCardColors) return;
     final colors = ref.read(cardColorsProvider);
     savedPrimary = colors.primary;
     savedSecondary = colors.secondary;
@@ -179,15 +182,25 @@ class _DashboardScreenState extends ConsumerState<DashboardScreen> {
           createdAt: DateTime.now(),
         );
 
-        final newId = await ref.read(accountRepositoryProvider).add(newAccount);
+        try {
+          final newId = await ref.read(accountRepositoryProvider).add(newAccount);
 
-        await CardColorService.save(
+          await CardColorService.save(
-          tempPrimary,
+            tempPrimary,
-          tempSecondary,
+            tempSecondary,
-          tempLightGradientType,
+            tempLightGradientType,
-          tempDarkGradientType,
+            tempDarkGradientType,
-          accountId: newId,
+            accountId: newId,
-        );
+          );
+        } on FeatureLimitException {
+          if (mounted) {
+            final s = ref.read(stringsProvider);
+            ScaffoldMessenger.of(context).showSnackBar(
+              SnackBar(content: Text(s.accountLimitReached)),
+            );
+          }
+          return;
+        }
       } else if (editingAccount != null) {
         await ref
             .read(accountCardColorsProvider(editingAccount!.id).notifier)
@@ -279,8 +292,9 @@ class _DashboardScreenState extends ConsumerState<DashboardScreen> {
     final activeIndex = ref.watch(activeAccountIndexProvider);
     final accountsAsync = ref.watch(accountsProvider);
     final accountCount = accountsAsync.value?.length ?? 0;
+    final maxAccounts = ref.watch(featureFlagsProvider).maxAccounts;
     final isOnAddAccountPage =
-        accountCount < 5 && activeIndex == accountCount + 1;
+        accountCount < maxAccounts && activeIndex == accountCount + 1;
 
     return Scaffold(
       backgroundColor: Theme.of(context).scaffoldBackgroundColor,
@@ -438,6 +452,7 @@ class _AccountsInfoBlock extends ConsumerWidget {
   @override
   Widget build(BuildContext context, WidgetRef ref) {
     final s = ref.watch(stringsProvider);
+    final maxAccounts = ref.watch(featureFlagsProvider).maxAccounts;
     final onSurface = Theme.of(context).colorScheme.onSurface;
     return Padding(
       padding: const EdgeInsets.only(bottom: 60),
@@ -479,7 +494,7 @@ class _AccountsInfoBlock extends ConsumerWidget {
             const SizedBox(height: 8),
             _InfoRow(
               icon: Icons.lock_outline_rounded,
-              text: s.accountsInfoLimit,
+              text: s.accountsLimitLabel(maxAccounts),
             ),
           ],
         ),

lib/features/dashboard/widgets/account_editor_overlay/account_editor_overlay.dart

@@ -5,6 +5,7 @@ import '../../../../core/constants.dart';
 import '../../../../core/utils/card_layout.dart';
 import '../../../../shared/models/account.dart';
 import '../../../../shared/models/transaction.dart';
+import '../../../../shared/feature_flags/feature_flags_provider.dart';
 import '../../../../shared/widgets/byn_sign.dart';
 import '../../../settings/provider.dart';
 import '../../provider.dart';
@@ -93,9 +94,10 @@ class _AccountEditorOverlayState extends State<AccountEditorOverlay> {
       builder: (context, ref, _) {
         final exchangeService = ref.watch(exchangeRateServiceProvider);
         final cardHeight = ref.watch(cardHeightProvider);
+        final isPremium = ref.watch(featureFlagsProvider).canEditCardColors;
         final editorPanelTop = cardTop + cardHeight + layout.sectionGap;
         final colorPanelTop = editorPanelTop + editorPanelHeight + layout.sectionGap;
-        final colorPanelHeight = layout.colorPanelHeight(mq, colorPanelTop);
+        final colorPanelHeight = isPremium ? layout.colorPanelHeight(mq, colorPanelTop) : 0.0;
 
         double previewBalance = 0.0;
         if (!dash.isAddingAccount) {
@@ -249,36 +251,38 @@ class _AccountEditorOverlayState extends State<AccountEditorOverlay> {
                   ),
                 ),
               ),
-              Positioned(
+              if (isPremium) ...[
-                top: colorPanelTop,
+                Positioned(
-                left: 20,
+                  top: colorPanelTop,
-                right: 20,
+                  left: 20,
-                child: GestureDetector(
+                  right: 20,
-                  onTap: () {
+                  child: GestureDetector(
-                    if (_showCurrencyDropdown) {
+                    onTap: () {
-                      setState(() {
+                      if (_showCurrencyDropdown) {
-                        _showCurrencyDropdown = false;
+                        setState(() {
-                      });
+                          _showCurrencyDropdown = false;
-                    }
+                        });
-                  },
+                      }
-                  behavior: HitTestBehavior.opaque,
-                  child: AccountColorPanel(
-                    dashboardState: dash,
-                    dashboardContext: widget.context,
-                    panelHeight: colorPanelHeight,
-                    layout: layout,
-                    isDuplicateName: _isDuplicateName,
-                    onDuplicateError: () {
-                      setState(() => _showDuplicateError = true);
-                      Future.delayed(const Duration(seconds: 3), () {
-                        if (mounted) {
-                          setState(() => _showDuplicateError = false);
-                        }
-                      });
                     },
+                    behavior: HitTestBehavior.opaque,
+                    child: AccountColorPanel(
+                      dashboardState: dash,
+                      dashboardContext: widget.context,
+                      panelHeight: colorPanelHeight,
+                      layout: layout,
+                      isDuplicateName: _isDuplicateName,
+                      onDuplicateError: () {
+                        setState(() => _showDuplicateError = true);
+                        Future.delayed(const Duration(seconds: 3), () {
+                          if (mounted) {
+                            setState(() => _showDuplicateError = false);
+                          }
+                        });
+                      },
+                    ),
                   ),
                 ),
-              ),
+              ],
               if (_showCurrencyDropdown)
                 Positioned(
                   top: editorPanelTop + 62,

lib/features/dashboard/widgets/balance_card.dart

@@ -9,6 +9,7 @@ import '../../../core/utils/card_layout.dart';
 import '../../../shared/utils/card_gradient.dart';
 import '../../../core/services/haptic_service.dart';
 import '../../../shared/providers/amount_format_provider.dart';
+import '../../../shared/feature_flags/feature_flags_provider.dart';
 import '../../../shared/widgets/byn_sign.dart';
 import '../../settings/provider.dart';
 import '../provider.dart';
@@ -110,6 +111,7 @@ class BalanceCardState extends ConsumerState<BalanceCard>
         .toList();
 
     final textColorMode = ref.watch(cardTextColorProvider);
+    final canEditCardColors = ref.watch(featureFlagsProvider).canEditCardColors;
     final Color onCard = switch (textColorMode) {
       CardTextColorMode.white => Colors.white,
       CardTextColorMode.black => Colors.black,
@@ -324,12 +326,13 @@ class BalanceCardState extends ConsumerState<BalanceCard>
                         ],
                       ),
                     ),
-                    Positioned(
+                    if (canEditCardColors)
-                      bottom: 8,
+                      Positioned(
-                      left: 0,
+                        bottom: 8,
-                      right: 0,
+                        left: 0,
-                      child: Text(
+                        right: 0,
-                        s.tapAndHoldToEdit,
+                        child: Text(
+                          s.tapAndHoldToEdit,
                         textAlign: TextAlign.center,
                         style: TextStyle(
                           fontSize: 9,

lib/features/dashboard/widgets/balance_card_carousel.dart

@@ -5,6 +5,7 @@ import '../../../core/utils/card_layout.dart';
 import '../../../core/services/haptic_service.dart';
 import '../../../shared/models/account.dart';
 import '../../../shared/models/transaction.dart';
+import '../../../shared/feature_flags/feature_flags_provider.dart';
 import '../../settings/provider.dart';
 import '../provider.dart';
 import 'balance_card.dart';
@@ -60,10 +61,11 @@ class _BalanceCardCarouselState extends ConsumerState<BalanceCardCarousel> {
     final accountsAsync = ref.watch(accountsProvider);
     final activeIndex = ref.watch(activeAccountIndexProvider);
     final cardHeight = ref.watch(cardHeightProvider);
+    final maxAccounts = ref.watch(featureFlagsProvider).maxAccounts;
 
     return accountsAsync.when(
       data: (accounts) {
-        final totalPages = 1 + accounts.length + (accounts.length < 5 ? 1 : 0);
+        final totalPages = 1 + accounts.length + (accounts.length < maxAccounts ? 1 : 0);
 
         return Column(
           children: [

lib/features/dashboard/widgets/color_editor_overlay.dart

@@ -7,6 +7,7 @@ import '../../../core/l10n/locale_provider.dart';
 import '../../../core/services/card_color_service.dart';
 import '../../../core/services/haptic_service.dart';
 import '../../../core/utils/card_layout.dart';
+import '../../../shared/feature_flags/feature_flags_provider.dart';
 import '../../settings/provider.dart';
 import '../provider.dart';
 import 'balance_card.dart';
@@ -42,6 +43,7 @@ class _FullScreenBlurOverlayState extends State<FullScreenBlurOverlay> {
     return Consumer(
       builder: (context, ref, _) {
         final cardHeight = ref.watch(cardHeightProvider);
+        final isPremium = ref.watch(featureFlagsProvider).canEditCardHeight;
         final heightDelta = (kBalanceCardHeight - cardHeight) / 2;
         final adjustedCardTop = cardTop + heightDelta;
         final panelTop = adjustedCardTop + cardHeight + layout.cardPreviewGap;
@@ -90,7 +92,7 @@ class _FullScreenBlurOverlayState extends State<FullScreenBlurOverlay> {
                               ? dash.tempDarkGradientType
                               : dash.tempLightGradientType,
                           cardHeight: cardHeight,
-                          resizeHandle: _CornerResizeHandle(
+                          resizeHandle: isPremium ? _CornerResizeHandle(
                             cardHeight: cardHeight,
                             onHeightChanged: (newHeight) {
                               ref.read(cardHeightProvider.notifier).set(newHeight);
@@ -98,7 +100,7 @@ class _FullScreenBlurOverlayState extends State<FullScreenBlurOverlay> {
                                 HapticService.selection();
                               }
                             },
-                          ),
+                          ) : null,
                         ),
                       ),
                     ],

lib/features/settings/screen.dart

@@ -14,6 +14,7 @@ import 'widgets/language_section.dart';
 import 'widgets/currency_section.dart';
 import 'widgets/amount_format_section.dart';
 import 'widgets/categories_section.dart';
+import 'widgets/premium_section.dart';
 
 class SettingsScreen extends ConsumerWidget {
   const SettingsScreen({super.key});
@@ -116,6 +117,8 @@ class SettingsScreen extends ConsumerWidget {
           physics: const ClampingScrollPhysics(),
           padding: const EdgeInsets.fromLTRB(20, 16, 20, 40),
           children: [
+            const PremiumSection(),
+            const SizedBox(height: 16),
             const ThemeSection(),
             const SizedBox(height: 16),
             const CardTextColorSection(),

lib/features/settings/widgets/premium_section.dart

@@ -0,0 +1,85 @@
+import 'package:flutter/material.dart';
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+import '../../../core/constants.dart';
+import '../../../core/l10n/locale_provider.dart';
+import '../../../core/services/haptic_service.dart';
+import '../../../shared/providers/current_user_provider.dart';
+import '../../../shared/models/user_model.dart';
+
+class PremiumSection extends ConsumerWidget {
+  const PremiumSection({super.key});
+
+  @override
+  Widget build(BuildContext context, WidgetRef ref) {
+    final s = ref.watch(stringsProvider);
+    final user = ref.watch(currentUserProvider);
+    final isDark = Theme.of(context).brightness == Brightness.dark;
+
+    return Container(
+      padding: const EdgeInsets.all(20),
+      decoration: BoxDecoration(
+        color: Theme.of(context).colorScheme.surface,
+        borderRadius: BorderRadius.circular(16),
+        border: isDark
+            ? null
+            : Border.all(color: const Color(0xFFDDDDEE), width: 1),
+      ),
+      child: Column(
+        crossAxisAlignment: CrossAxisAlignment.start,
+        children: [
+          Row(
+            children: [
+              Container(
+                padding: const EdgeInsets.all(10),
+                decoration: BoxDecoration(
+                  color: (user.isVip ? AppColors.accent : AppColors.warning)
+                      .withOpacity(0.15),
+                  borderRadius: BorderRadius.circular(12),
+                ),
+                child: Icon(
+                  user.isVip ? Icons.workspace_premium_rounded : Icons.lock_outline_rounded,
+                  color: user.isVip ? AppColors.accent : AppColors.warning,
+                  size: 20,
+                ),
+              ),
+              const SizedBox(width: 12),
+              Expanded(
+                child: Column(
+                  crossAxisAlignment: CrossAxisAlignment.start,
+                  children: [
+                    Text(
+                      s.premiumStatus,
+                      style: Theme.of(context).textTheme.titleMedium?.copyWith(
+                            fontWeight: FontWeight.w600,
+                            color: Theme.of(context).colorScheme.onSurface,
+                          ),
+                    ),
+                    Text(
+                      s.premiumDescription,
+                      style: Theme.of(context).textTheme.bodySmall?.copyWith(
+                            color: Theme.of(context)
+                                .colorScheme
+                                .onSurface
+                                .withOpacity(0.6),
+                          ),
+                    ),
+                  ],
+                ),
+              ),
+              Switch(
+                value: user.isVip,
+                onChanged: (value) async {
+                  HapticService.light();
+                  await ref.read(currentUserProvider.notifier).setPlan(
+                        value ? UserPlan.vip : UserPlan.free,
+                      );
+                },
+                activeThumbColor: const Color(0xFF7C6DED),
+              ),
+            ],
+          ),
+        ],
+      ),
+    );
+  }
+}

lib/shared/feature_flags/feature_flags.dart

@@ -0,0 +1,6 @@
+abstract class FeatureFlags {
+  bool get canEditCardColors;
+  bool get canEditCardHeight;
+  bool get canEditCardTextColor;
+  int get maxAccounts;
+}

lib/shared/feature_flags/feature_flags_provider.dart

@@ -0,0 +1,12 @@
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+import '../providers/current_user_provider.dart';
+import 'feature_flags.dart';
+import 'free_feature_flags.dart';
+import 'vip_feature_flags.dart';
+
+final featureFlagsProvider = Provider<FeatureFlags>((ref) {
+  final user = ref.watch(currentUserProvider);
+  return user.isVip
+      ? const VipFeatureFlags()
+      : const FreeFeatureFlags();
+});

lib/shared/feature_flags/free_feature_flags.dart

@@ -0,0 +1,17 @@
+import 'feature_flags.dart';
+
+class FreeFeatureFlags implements FeatureFlags {
+  const FreeFeatureFlags();
+
+  @override
+  bool get canEditCardColors => false;
+
+  @override
+  bool get canEditCardHeight => false;
+
+  @override
+  bool get canEditCardTextColor => false;
+
+  @override
+  int get maxAccounts => 3;
+}

lib/shared/feature_flags/vip_feature_flags.dart

@@ -0,0 +1,17 @@
+import 'feature_flags.dart';
+
+class VipFeatureFlags implements FeatureFlags {
+  const VipFeatureFlags();
+
+  @override
+  bool get canEditCardColors => true;
+
+  @override
+  bool get canEditCardHeight => true;
+
+  @override
+  bool get canEditCardTextColor => true;
+
+  @override
+  int get maxAccounts => 8;
+}

lib/shared/models/user_model.dart

@@ -0,0 +1,9 @@
+enum UserPlan { free, vip }
+
+class UserModel {
+  final UserPlan plan;
+
+  const UserModel({this.plan = UserPlan.free});
+
+  bool get isVip => plan == UserPlan.vip;
+}

lib/shared/paywall/paywall_banner.dart

@@ -0,0 +1,55 @@
+import 'package:flutter/material.dart';
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+import '../../core/l10n/app_strings.dart';
+import '../../core/l10n/locale_provider.dart';
+
+class PaywallBanner extends ConsumerWidget {
+  final String? message;
+  final VoidCallback? onTap;
+
+  const PaywallBanner({
+    super.key,
+    this.message,
+    this.onTap,
+  });
+
+  @override
+  Widget build(BuildContext context, WidgetRef ref) {
+    final s = AppStrings(ref.watch(localeProvider));
+    return GestureDetector(
+      onTap: onTap,
+      child: Container(
+        padding: const EdgeInsets.symmetric(horizontal: 16, vertical: 12),
+        decoration: BoxDecoration(
+          color: Theme.of(context).colorScheme.surface,
+          borderRadius: BorderRadius.circular(12),
+          border: Border.all(
+            color: Theme.of(context).colorScheme.onSurface.withOpacity(0.15),
+            width: 1,
+          ),
+        ),
+        child: Row(
+          children: [
+            Icon(
+              Icons.lock_outline_rounded,
+              size: 20,
+              color: Theme.of(context).colorScheme.onSurface.withOpacity(0.5),
+            ),
+            const SizedBox(width: 12),
+            Expanded(
+              child: Text(
+                message ?? s.premiumFeatureLocked,
+                style: Theme.of(context).textTheme.bodySmall?.copyWith(
+                      color: Theme.of(context)
+                          .colorScheme
+                          .onSurface
+                          .withOpacity(0.6),
+                    ),
+              ),
+            ),
+          ],
+        ),
+      ),
+    );
+  }
+}

lib/shared/paywall/paywall_guard.dart

@@ -0,0 +1,22 @@
+import 'package:flutter/material.dart';
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+import 'paywall_banner.dart';
+
+class PaywallGuard extends ConsumerWidget {
+  final bool canAccess;
+  final Widget child;
+  final Widget? fallback;
+
+  const PaywallGuard({
+    super.key,
+    required this.canAccess,
+    required this.child,
+    this.fallback,
+  });
+
+  @override
+  Widget build(BuildContext context, WidgetRef ref) {
+    if (canAccess) return child;
+    return fallback ?? PaywallBanner();
+  }
+}

lib/shared/paywall/paywall_screen.dart

@@ -0,0 +1,92 @@
+import 'package:flutter/material.dart';
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+import 'package:go_router/go_router.dart';
+import '../../core/l10n/app_strings.dart';
+import '../../core/l10n/locale_provider.dart';
+
+class PaywallScreen extends ConsumerWidget {
+  const PaywallScreen({super.key});
+
+  @override
+  Widget build(BuildContext context, WidgetRef ref) {
+    final s = AppStrings(ref.watch(localeProvider));
+
+    return Scaffold(
+      backgroundColor: Theme.of(context).scaffoldBackgroundColor,
+      appBar: AppBar(
+        backgroundColor: Theme.of(context).scaffoldBackgroundColor,
+        elevation: 0,
+        scrolledUnderElevation: 0,
+        leading: IconButton(
+          icon: const Icon(Icons.arrow_back_rounded),
+          onPressed: () => context.pop(),
+        ),
+      ),
+      body: SafeArea(
+        child: Padding(
+          padding: const EdgeInsets.symmetric(horizontal: 24),
+          child: Column(
+            mainAxisAlignment: MainAxisAlignment.center,
+            children: [
+              Container(
+                padding: const EdgeInsets.all(24),
+                decoration: BoxDecoration(
+                  color: const Color(0xFF7C6DED).withOpacity(0.12),
+                  shape: BoxShape.circle,
+                ),
+                child: const Icon(
+                  Icons.workspace_premium_rounded,
+                  size: 64,
+                  color: Color(0xFF7C6DED),
+                ),
+              ),
+              const SizedBox(height: 24),
+              Text(
+                s.premium,
+                style: Theme.of(context).textTheme.headlineMedium?.copyWith(
+                      fontWeight: FontWeight.w700,
+                    ),
+              ),
+              const SizedBox(height: 12),
+              Text(
+                s.premiumDescription,
+                textAlign: TextAlign.center,
+                style: Theme.of(context).textTheme.bodyMedium?.copyWith(
+                      color: Theme.of(context)
+                          .colorScheme
+                          .onSurface
+                          .withOpacity(0.6),
+                    ),
+              ),
+              const SizedBox(height: 32),
+              _FeatureItem(icon: Icons.palette_rounded, label: s.premiumFeatureColors),
+              _FeatureItem(icon: Icons.height_rounded, label: s.premiumFeatureHeight),
+              _FeatureItem(icon: Icons.account_balance_wallet_rounded, label: s.premiumFeatureAccounts),
+            ],
+          ),
+        ),
+      ),
+    );
+  }
+}
+
+class _FeatureItem extends StatelessWidget {
+  final IconData icon;
+  final String label;
+
+  const _FeatureItem({required this.icon, required this.label});
+
+  @override
+  Widget build(BuildContext context) {
+    return Padding(
+      padding: const EdgeInsets.symmetric(vertical: 8),
+      child: Row(
+        children: [
+          Icon(icon, size: 20, color: const Color(0xFF7C6DED)),
+          const SizedBox(width: 12),
+          Text(label, style: Theme.of(context).textTheme.bodyMedium),
+        ],
+      ),
+    );
+  }
+}

lib/shared/providers/current_user_provider.dart

@@ -0,0 +1,32 @@
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+import '../../features/dashboard/provider.dart';
+import '../models/user_model.dart';
+
+class CurrentUserNotifier extends Notifier<UserModel> {
+  static const _key = 'user_plan';
+
+  @override
+  UserModel build() {
+    final prefs = ref.watch(sharedPreferencesProvider);
+    final planName = prefs.getString(_key);
+    final plan = UserPlan.values.firstWhere(
+      (e) => e.name == planName,
+      orElse: () => UserPlan.free,
+    );
+    return UserModel(plan: plan);
+  }
+
+  Future<void> setPlan(UserPlan plan) async {
+    final prefs = ref.read(sharedPreferencesProvider);
+    state = UserModel(plan: plan);
+    await prefs.setString(_key, plan.name);
+  }
+
+  Future<void> toggleVip() async {
+    await setPlan(state.isVip ? UserPlan.free : UserPlan.vip);
+  }
+}
+
+final currentUserProvider = NotifierProvider<CurrentUserNotifier, UserModel>(
+  CurrentUserNotifier.new,
+);