diff --git a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/TalkApi.kt b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/TalkApi.kt
index be8ce5e8..13d5b2a7 100644
--- a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/TalkApi.kt
+++ b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/TalkApi.kt
@@ -1,12 +1,16 @@
 package kr.co.vividnext.sodalive.chat.talk
 
 import io.reactivex.rxjava3.core.Single
-import kr.co.vividnext.sodalive.chat.talk.room.CreateChatRoomRequest
-import kr.co.vividnext.sodalive.chat.talk.room.CreateChatRoomResponse
+import kr.co.vividnext.sodalive.chat.talk.room.ChatMessagePurchaseRequest
 import kr.co.vividnext.sodalive.chat.talk.room.ChatMessagesResponse
 import kr.co.vividnext.sodalive.chat.talk.room.ChatRoomEnterResponse
+import kr.co.vividnext.sodalive.chat.talk.room.CreateChatRoomRequest
+import kr.co.vividnext.sodalive.chat.talk.room.CreateChatRoomResponse
+import kr.co.vividnext.sodalive.chat.talk.room.SendChatMessageResponse
 import kr.co.vividnext.sodalive.chat.talk.room.SendMessageRequest
 import kr.co.vividnext.sodalive.chat.talk.room.ServerChatMessage
+import kr.co.vividnext.sodalive.chat.talk.room.quota.ChatQuotaPurchaseRequest
+import kr.co.vividnext.sodalive.chat.talk.room.quota.ChatQuotaStatusResponse
 import kr.co.vividnext.sodalive.common.ApiResponse
 import retrofit2.http.Body
 import retrofit2.http.GET
@@ -14,7 +18,6 @@ import retrofit2.http.Header
 import retrofit2.http.POST
 import retrofit2.http.Path
 import retrofit2.http.Query
-import kr.co.vividnext.sodalive.chat.talk.room.ChatMessagePurchaseRequest
 
 interface TalkApi {
     @GET("/api/chat/room/list")
@@ -48,7 +51,7 @@ interface TalkApi {
         @Header("Authorization") authHeader: String,
         @Path("roomId") roomId: Long,
         @Body request: SendMessageRequest
-    ): Single<ApiResponse<List<ServerChatMessage>>>
+    ): Single<ApiResponse<SendChatMessageResponse>>
 
     // 점진적 메시지 로딩 API
     @GET("/api/chat/room/{roomId}/messages")
@@ -67,4 +70,17 @@ interface TalkApi {
         @Path("messageId") messageId: Long,
         @Body request: ChatMessagePurchaseRequest
     ): Single<ApiResponse<ServerChatMessage>>
+
+    // 채팅 쿼터 상태 조회
+    @GET("/api/chat/quota/me")
+    fun getChatQuotaStatus(
+        @Header("Authorization") authHeader: String
+    ): Single<ApiResponse<ChatQuotaStatusResponse>>
+
+    // 채팅 쿼터 구매
+    @POST("/api/chat/quota/purchase")
+    fun purchaseChatQuota(
+        @Header("Authorization") authHeader: String,
+        @Body request: ChatQuotaPurchaseRequest
+    ): Single<ApiResponse<ChatQuotaStatusResponse>>
 }
diff --git a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatMessageAdapter.kt b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatMessageAdapter.kt
index aae99ece..bb260a84 100644
--- a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatMessageAdapter.kt
+++ b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatMessageAdapter.kt
@@ -6,6 +6,7 @@
 package kr.co.vividnext.sodalive.chat.talk.room
 
 import android.annotation.SuppressLint
+import android.os.Bundle
 import android.text.TextUtils
 import android.view.LayoutInflater
 import android.view.View
@@ -16,8 +17,8 @@ import android.widget.TextView
 import androidx.annotation.LayoutRes
 import androidx.annotation.VisibleForTesting
 import androidx.core.view.isVisible
-import androidx.recyclerview.widget.RecyclerView
 import androidx.recyclerview.widget.DiffUtil
+import androidx.recyclerview.widget.RecyclerView
 import kr.co.vividnext.sodalive.R
 import kr.co.vividnext.sodalive.databinding.ItemChatAiMessageBinding
 import kr.co.vividnext.sodalive.databinding.ItemChatTypingIndicatorBinding
@@ -30,6 +31,7 @@ sealed class ChatListItem {
     data class UserMessage(val data: ChatMessage) : ChatListItem()
     data class AiMessage(val data: ChatMessage, val displayName: String? = null) : ChatListItem()
     data class Notice(val text: String) : ChatListItem()
+    data class QuotaNotice(val timeText: String? = null) : ChatListItem()
     object TypingIndicator : ChatListItem()
 }
 
@@ -56,6 +58,7 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
         fun onRetrySend(localId: String)
         fun onPurchaseMessage(message: ChatMessage)
         fun onOpenPurchasedImage(message: ChatMessage)
+        fun onPurchaseQuota()
     }
 
     private var callback: Callback? = null
@@ -69,13 +72,18 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
         const val VIEW_TYPE_AI_MESSAGE = 2
         const val VIEW_TYPE_NOTICE = 3
         const val VIEW_TYPE_TYPING_INDICATOR = 4
+        const val VIEW_TYPE_QUOTA_NOTICE = 5
+        private const val PAYLOAD_KEY_QUOTA_TIME = "payload_quota_time"
 
         /**
          * [list]와 [position]을 기준으로 그룹화 여부와 해당 아이템이 그룹의 마지막인지 계산한다.
          * 테스트를 위해 노출된 유틸 함수이며, onBindViewHolder의 로직과 동일한 판정을 수행한다.
          */
         @VisibleForTesting
-        internal fun computeGroupingFlags(list: List<ChatListItem>, position: Int): Pair<Boolean, Boolean> {
+        internal fun computeGroupingFlags(
+            list: List<ChatListItem>,
+            position: Int
+        ): Pair<Boolean, Boolean> {
             fun isSameSender(prev: ChatListItem?, curr: ChatListItem?): Boolean {
                 if (prev == null || curr == null) return false
                 val p = when (prev) {
@@ -90,6 +98,7 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
                 }
                 return p == c
             }
+
             val curr = list.getOrNull(position)
             val prev = if (position > 0) list.getOrNull(position - 1) else null
             val next = if (position < list.lastIndex) list.getOrNull(position + 1) else null
@@ -106,14 +115,19 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
             is ChatListItem.UserMessage -> {
                 val data = item.data
                 if (data.messageId != 0L) data.messageId
-                else (data.localId?.hashCode()?.toLong() ?: ("user:" + data.createdAt + data.message.hashCode()).hashCode().toLong())
+                else (data.localId?.hashCode()?.toLong()
+                    ?: ("user:" + data.createdAt + data.message.hashCode()).hashCode().toLong())
             }
+
             is ChatListItem.AiMessage -> {
                 val data = item.data
                 if (data.messageId != 0L) data.messageId
-                else (data.localId?.hashCode()?.toLong() ?: ("ai:" + data.createdAt + data.message.hashCode()).hashCode().toLong())
+                else (data.localId?.hashCode()?.toLong()
+                    ?: ("ai:" + data.createdAt + data.message.hashCode()).hashCode().toLong())
             }
+
             is ChatListItem.Notice -> ("notice:" + item.text).hashCode().toLong()
+            is ChatListItem.QuotaNotice -> ("quota_notice").hashCode().toLong()
             is ChatListItem.TypingIndicator -> Long.MIN_VALUE // 고정 ID
         }
     }
@@ -180,11 +194,24 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
                 // 안정 ID 기준 비교와 동일한 로직 적용
                 return getStableIdFor(o) == getStableIdFor(n)
             }
+
             override fun areContentsTheSame(oldItemPosition: Int, newItemPosition: Int): Boolean {
                 val o = old[oldItemPosition]
                 val n = newItems[newItemPosition]
                 return o == n
             }
+
+            override fun getChangePayload(oldItemPosition: Int, newItemPosition: Int): Any? {
+                val o = old[oldItemPosition]
+                val n = newItems[newItemPosition]
+                // QuotaNotice의 timeText만 변경된 경우 부분 갱신 payload 반환
+                if (o is ChatListItem.QuotaNotice && n is ChatListItem.QuotaNotice) {
+                    if (o.timeText != n.timeText) {
+                        return Bundle().apply { putString(PAYLOAD_KEY_QUOTA_TIME, n.timeText) }
+                    }
+                }
+                return null
+            }
         })
         items.clear()
         items.addAll(newItems)
@@ -220,6 +247,7 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
             is ChatListItem.AiMessage -> item.data.mine
             else -> null
         }
+
         val p = mineOf(prev)
         val c = mineOf(curr)
         return (p != null && c != null && p == c)
@@ -237,6 +265,7 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
             is ChatListItem.AiMessage -> item.data.mine
             else -> null
         }
+
         val c = mineOf(curr)
         val n = mineOf(next)
         return (c != null && n != null && c == n)
@@ -248,6 +277,7 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
             is ChatListItem.AiMessage -> VIEW_TYPE_AI_MESSAGE
             is ChatListItem.Notice -> VIEW_TYPE_NOTICE
             is ChatListItem.TypingIndicator -> VIEW_TYPE_TYPING_INDICATOR
+            is ChatListItem.QuotaNotice -> VIEW_TYPE_QUOTA_NOTICE
         }
     }
 
@@ -286,6 +316,16 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
                 NoticeMessageViewHolder(inflateAndroidSimpleItem(parent))
             }
 
+            VIEW_TYPE_QUOTA_NOTICE -> {
+                QuotaNoticeViewHolder(
+                    LayoutInflater.from(parent.context).inflate(
+                        R.layout.item_chat_quota_notice,
+                        parent,
+                        false
+                    )
+                )
+            }
+
             else -> throw IllegalArgumentException("Unknown viewType: $viewType")
         }
     }
@@ -340,9 +380,33 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
             is TypingIndicatorViewHolder -> {
                 holder.bind(typingName, typingProfileUrl)
             }
+
+            is QuotaNoticeViewHolder -> {
+                val item = currItem as ChatListItem.QuotaNotice
+                holder.bind(item.timeText) {
+                    callback?.onPurchaseQuota()
+                }
+            }
         }
     }
 
+    override fun onBindViewHolder(
+        holder: RecyclerView.ViewHolder,
+        position: Int,
+        payloads: MutableList<Any>
+    ) {
+        if (payloads.isNotEmpty()) {
+            if (holder is QuotaNoticeViewHolder) {
+                val bundle = payloads.find { it is Bundle } as? Bundle
+                if (bundle?.containsKey(PAYLOAD_KEY_QUOTA_TIME) == true) {
+                    holder.updateTimeText(bundle.getString(PAYLOAD_KEY_QUOTA_TIME))
+                    return
+                }
+            }
+        }
+        super.onBindViewHolder(holder, position, payloads)
+    }
+
     // region ViewHolders
 
     /** 사용자 메시지 뷰홀더: 시간 포맷팅, 상태(투명도) 표시 */
@@ -352,7 +416,8 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
         fun bind(data: ChatMessage, showTime: Boolean, isGrouped: Boolean) {
             binding.tvMessage.text = data.message
             // 화면 너비의 65%를 최대 폭으로 적용
-            binding.tvMessage.maxWidth = (itemView.resources.displayMetrics.widthPixels * 0.65f).toInt()
+            binding.tvMessage.maxWidth =
+                (itemView.resources.displayMetrics.widthPixels * 0.65f).toInt()
             binding.tvTime.text = formatMessageTime(data.createdAt)
             binding.tvTime.visibility = if (showTime) View.VISIBLE else View.GONE
 
@@ -478,7 +543,8 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
                 binding.imageContainer.visibility = View.GONE
                 binding.messageContainer.visibility = View.VISIBLE
                 binding.tvMessage.text = data.message
-                binding.tvMessage.maxWidth = (itemView.resources.displayMetrics.widthPixels * 0.90f).toInt()
+                binding.tvMessage.maxWidth =
+                    (itemView.resources.displayMetrics.widthPixels * 0.90f).toInt()
             }
 
             // 그룹 내부 간격 최소화 (상단 패딩 축소)
@@ -575,6 +641,28 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     // endregion
 
+    /** 쿼터 안내 메시지 뷰홀더: 제목/남은시간 + 구매 버튼 */
+    class QuotaNoticeViewHolder(itemView: View) : RecyclerView.ViewHolder(itemView) {
+        private val tvTime: TextView = itemView.findViewById(R.id.tv_time)
+        private val btnPurchase: View = itemView.findViewById(R.id.ll_purchase)
+
+        fun bind(timeText: String?, onPurchase: () -> Unit) {
+            updateTimeText(timeText)
+            btnPurchase.setOnClickListener { onPurchase() }
+        }
+
+        fun updateTimeText(timeText: String?) {
+            if (timeText.isNullOrBlank()) {
+                if (tvTime.visibility != View.GONE) tvTime.visibility = View.GONE
+            } else {
+                if (tvTime.visibility != View.VISIBLE) tvTime.visibility = View.VISIBLE
+                if (tvTime.text?.toString() != timeText) {
+                    tvTime.text = timeText
+                }
+            }
+        }
+    }
+
     // region Util
     private fun inflateAndroidSimpleItem(
         parent: ViewGroup,
@@ -617,6 +705,7 @@ class ChatMessageAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
                 // 클릭 리스너 제거로 누수 및 중복 클릭 방지
                 holder.itemView.findViewById<View?>(R.id.iv_retry)?.setOnClickListener(null)
             }
+
             is AiMessageViewHolder -> {
                 // 이미지 태그/리소스 정리로 잘못된 재활용 방지
                 holder.itemView.findViewById<View?>(R.id.iv_profile)?.let { v ->
diff --git a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRepository.kt b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRepository.kt
index cd69a56c..1fc23b48 100644
--- a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRepository.kt
+++ b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRepository.kt
@@ -12,6 +12,8 @@ import io.reactivex.rxjava3.core.Single
 import io.reactivex.rxjava3.schedulers.Schedulers
 import kr.co.vividnext.sodalive.chat.talk.TalkApi
 import kr.co.vividnext.sodalive.chat.talk.room.db.ChatMessageDao
+import kr.co.vividnext.sodalive.chat.talk.room.quota.ChatQuotaPurchaseRequest
+import kr.co.vividnext.sodalive.chat.talk.room.quota.ChatQuotaStatusResponse
 import kr.co.vividnext.sodalive.common.ApiResponse
 import java.util.concurrent.Callable
 
@@ -30,7 +32,7 @@ class ChatRepository(
         roomId: Long,
         localId: String,
         content: String
-    ): Single<List<ServerChatMessage>> {
+    ): Single<SendChatMessageResponse> {
         return talkApi.sendMessage(
             authHeader = token,
             roomId = roomId,
@@ -38,21 +40,36 @@ class ChatRepository(
         )
             .subscribeOn(Schedulers.io())
             .map { ensureSuccess(it) }
-            .flatMap { serverMsgs ->
+            .flatMap { response ->
                 // 1) 로컬에 사용자 메시지 상태를 SENT로 업데이트
                 val updateStatus = Completable.fromAction {
                     kotlinx.coroutines.runBlocking { chatDao.updateStatusByLocalId(roomId, localId, MessageStatus.SENT.name) }
                 }
                 // 2) 서버 응답 메시지들을 로컬 DB에 저장(중복 방지: 동일 ID는 REPLACE)
                 val insertServers = Completable.fromAction {
-                    val entities = serverMsgs.map { it.toEntity(roomId) }
+                    val entities = response.messages.map { it.toEntity(roomId) }
                     kotlinx.coroutines.runBlocking { chatDao.insertMessages(entities) }
                 }
                 updateStatus.andThen(insertServers)
-                    .andThen(Single.just(serverMsgs))
+                    .andThen(Single.just(response))
                     .subscribeOn(Schedulers.io())
             }
     }
+
+    /** 쿼터 상태 조회 */
+    fun getChatQuotaStatus(token: String): Single<ChatQuotaStatusResponse> {
+        return talkApi.getChatQuotaStatus(authHeader = token)
+            .subscribeOn(Schedulers.io())
+            .map { ensureSuccess(it) }
+    }
+
+    /** 쿼터 구매 */
+    fun purchaseChatQuota(token: String): Single<ChatQuotaStatusResponse> {
+        return talkApi.purchaseChatQuota(authHeader = token, request = ChatQuotaPurchaseRequest())
+            .subscribeOn(Schedulers.io())
+            .map { ensureSuccess(it) }
+    }
+
     /**
      * 로컬에서 최근 20개 메시지 조회
      */
diff --git a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRoomActivity.kt b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRoomActivity.kt
index ad8c8a7c..024e9c79 100644
--- a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRoomActivity.kt
+++ b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRoomActivity.kt
@@ -13,6 +13,7 @@ import androidx.core.content.edit
 import androidx.core.view.isVisible
 import androidx.recyclerview.widget.LinearLayoutManager
 import androidx.recyclerview.widget.RecyclerView
+import androidx.recyclerview.widget.SimpleItemAnimator
 import coil.load
 import io.reactivex.rxjava3.android.schedulers.AndroidSchedulers
 import kr.co.vividnext.sodalive.R
@@ -24,10 +25,12 @@ import kr.co.vividnext.sodalive.databinding.ActivityChatRoomBinding
 import kr.co.vividnext.sodalive.extensions.dpToPx
 import kr.co.vividnext.sodalive.extensions.moneyFormat
 import org.koin.android.ext.android.inject
+import java.util.Locale
 
 class ChatRoomActivity : BaseActivity<ActivityChatRoomBinding>(
     ActivityChatRoomBinding::inflate
 ) {
+
     private var roomId: Long = 0L
     private lateinit var chatAdapter: ChatMessageAdapter
     private lateinit var layoutManager: LinearLayoutManager
@@ -41,6 +44,9 @@ class ChatRoomActivity : BaseActivity<ActivityChatRoomBinding>(
     private var hasMoreMessages: Boolean = true // Repository 연동 시 서버 값으로 갱신 예정
     private var nextCursor: Long? = null // 가장 오래된 메시지의 timestamp 등
 
+    // 쿼터/카운트다운 상태
+    private var quotaTimer: android.os.CountDownTimer? = null
+
     // 5.3 헤더 데이터 (7.x 연동 전까지는 nullable 보관)
     private var characterInfo: CharacterInfo? = null
 
@@ -80,7 +86,8 @@ class ChatRoomActivity : BaseActivity<ActivityChatRoomBinding>(
 
         // 더보기 클릭 시 전체화면 다이얼로그 표시
         binding.ivMore.setOnClickListener {
-            ChatRoomMoreDialogFragment.newInstance(roomId).show(supportFragmentManager, "ChatRoomMoreDialog")
+            ChatRoomMoreDialogFragment.newInstance(roomId)
+                .show(supportFragmentManager, "ChatRoomMoreDialog")
         }
 
         // 5.3: characterInfo가 있으면 헤더 바인딩, 없으면 기본 플레이스홀더 유지
@@ -184,10 +191,17 @@ class ChatRoomActivity : BaseActivity<ActivityChatRoomBinding>(
                 override fun onOpenPurchasedImage(message: ChatMessage) {
                     openPurchasedImageCarousel(message)
                 }
+
+                override fun onPurchaseQuota() {
+                    onPurchaseQuotaClicked()
+                }
             })
         }
         binding.rvMessages.adapter = chatAdapter
 
+        // Change 애니메이션 비활성화로 매초 부분 갱신 시 깜빡임 최소화
+        (binding.rvMessages.itemAnimator as? SimpleItemAnimator)?.supportsChangeAnimations = false
+
         // 현재 보유 중인 캐릭터 프로필/이름을 타이핑 인디케이터에도 반영
         chatAdapter.setTypingInfo(
             characterInfo?.name,
@@ -348,18 +362,21 @@ class ChatRoomActivity : BaseActivity<ActivityChatRoomBinding>(
             content = content
         )
             .observeOn(AndroidSchedulers.mainThread())
-            .subscribe({ serverMsgs ->
+            .subscribe({ response ->
                 // 성공: 타이핑 인디케이터 제거 및 상태 업데이트
                 chatAdapter.hideTypingIndicator()
                 updateUserMessageStatus(localId, MessageStatus.SENT)
 
                 // 서버 응답이 여러 개인 경우, mine == false(AI)만 순서대로 추가
-                serverMsgs.forEach { msg ->
+                response.messages.forEach { msg ->
                     val domain = msg.toDomain()
                     if (!domain.mine) {
                         appendMessage(ChatListItem.AiMessage(domain, characterInfo?.name))
                     }
                 }
+
+                // 응답에 포함된 쿼터 상태로 UI 갱신
+                updateQuotaUi(response.totalRemaining, response.nextRechargeAtEpoch)
             }, { error ->
                 // 실패: 타이핑 인디케이터 제거 및 FAILED로 업데이트
                 chatAdapter.hideTypingIndicator()
@@ -438,6 +455,133 @@ class ChatRoomActivity : BaseActivity<ActivityChatRoomBinding>(
     }
     // endregion 6.2 Send flow
 
+    // region Quota handling
+    private fun onPurchaseQuotaClicked() {
+        val token = "Bearer ${SharedPreferenceManager.token}"
+        compositeDisposable.add(
+            chatRepository.purchaseChatQuota(token)
+                .observeOn(AndroidSchedulers.mainThread())
+                .subscribe({ resp ->
+                    // 쿼터 UI 갱신
+                    updateQuotaUi(resp.totalRemaining, resp.nextRechargeAtEpoch)
+
+                    // 결제 성공 시 로컬 캔 차감(30캔) 및 헤더 배지 즉시 반영
+                    val newCan = (SharedPreferenceManager.can - 30).coerceAtLeast(0)
+                    SharedPreferenceManager.can = newCan
+                    binding.tvCanBadge.text = newCan.moneyFormat()
+                }, { err ->
+                    showToast(err.message ?: "결제에 실패했습니다.")
+                })
+        )
+    }
+
+    private fun updateQuotaUi(totalRemaining: Int, nextRechargeAtEpoch: Long?) {
+        if (totalRemaining > 0) {
+            // 입력창 표시 및 안내 제거
+            binding.inputContainer.isVisible = true
+            stopQuotaCountdown()
+            ensureQuotaNoticeRemoved()
+        } else {
+            // 입력창 숨김 및 안내 표시 + 카운트다운 시작
+            binding.inputContainer.isVisible = false
+            val timeText = formatEpochToHms(nextRechargeAtEpoch)
+            ensureQuotaNoticeShown(timeText)
+            startQuotaCountdown(nextRechargeAtEpoch)
+        }
+    }
+
+    private fun ensureQuotaNoticeShown(timeText: String?) {
+        val idx = items.indexOfLast { it is ChatListItem.QuotaNotice }
+        val newItem = ChatListItem.QuotaNotice(timeText = timeText)
+        if (idx >= 0) {
+            val old = items[idx] as ChatListItem.QuotaNotice
+            // 동일 시간 텍스트면 불필요한 갱신 회피
+            if (old.timeText == newItem.timeText) return
+            items[idx] = newItem
+            chatAdapter.setItems(items)
+        } else {
+            appendMessage(newItem)
+        }
+    }
+
+    private fun ensureQuotaNoticeRemoved() {
+        val idx = items.indexOfLast { it is ChatListItem.QuotaNotice }
+        if (idx >= 0) {
+            items.removeAt(idx)
+            chatAdapter.setItems(items)
+        }
+    }
+
+    private fun startQuotaCountdown(targetEpoch: Long?) {
+        stopQuotaCountdown()
+        if (targetEpoch == null) return
+        val targetMs = if (targetEpoch < 1_000_000_000_000L) targetEpoch * 1000 else targetEpoch
+        val now = System.currentTimeMillis()
+        val duration = targetMs - now
+        if (duration <= 0) {
+            checkQuotaStatus()
+            return
+        }
+        quotaTimer = object : android.os.CountDownTimer(duration, 1000L) {
+            override fun onTick(millisUntilFinished: Long) {
+                val timeText =
+                    formatMillisToHms((millisUntilFinished + DISPLAY_FUDGE_MS).coerceAtLeast(0L))
+                // 안내 갱신
+                ensureQuotaNoticeShown(timeText)
+            }
+
+            override fun onFinish() {
+                ensureQuotaNoticeShown("00:00:00")
+                checkQuotaStatus()
+            }
+        }.start()
+    }
+
+    private fun stopQuotaCountdown() {
+        quotaTimer?.cancel()
+        quotaTimer = null
+    }
+
+    private fun checkQuotaStatus() {
+        val token = "Bearer ${SharedPreferenceManager.token}"
+        compositeDisposable.add(
+            chatRepository.getChatQuotaStatus(token)
+                .observeOn(AndroidSchedulers.mainThread())
+                .subscribe({ resp ->
+                    updateQuotaUi(resp.totalRemaining, resp.nextRechargeAtEpoch)
+                }, { /* 무시: 다음 틱에 재시도 가능 */ })
+        )
+    }
+
+    private fun formatEpochToHms(epoch: Long?): String? {
+        if (epoch == null) return null
+        val ms = if (epoch < 1_000_000_000_000L) epoch * 1000 else epoch
+        val remain = ms - System.currentTimeMillis()
+        val displayMs = (remain + DISPLAY_FUDGE_MS).coerceAtLeast(0L)
+        return if (displayMs > 0L) formatMillisToHms(displayMs) else "00:00:00"
+    }
+
+    private fun formatMillisToHms(ms: Long): String {
+        var totalSec = (ms / 1000).coerceAtLeast(0)
+        val hours = totalSec / 3600
+        totalSec %= 3600
+        val minutes = totalSec / 60
+        val seconds = totalSec % 60
+        return String.format(
+            locale = Locale.getDefault(),
+            "%02d:%02d:%02d",
+            hours,
+            minutes,
+            seconds
+        )
+    }
+
+    override fun onDestroy() {
+        stopQuotaCountdown()
+        super.onDestroy()
+    }
+    // endregion Quota handling
+
     private fun loadInitialMessages() {
         // 7.1 보완: 로컬 우선 표시 + 서버 동기화
         isLoading = true
@@ -494,6 +638,9 @@ class ChatRoomActivity : BaseActivity<ActivityChatRoomBinding>(
                 scrollToBottom()
                 isLoading = false
 
+                // 쿼터 UI 갱신
+                updateQuotaUi(response.totalRemaining, response.nextRechargeAtEpoch)
+
                 // 7.3: 오래된 메시지 정리(백그라운드)
                 compositeDisposable.add(
                     chatRepository.trimOldMessages(roomId, keepLatest = 200)
@@ -721,6 +868,7 @@ class ChatRoomActivity : BaseActivity<ActivityChatRoomBinding>(
     }
 
     companion object {
+        private const val DISPLAY_FUDGE_MS: Long = 5_000L
         const val EXTRA_ROOM_ID: String = "extra_room_id"
 
         fun newIntent(context: Context, roomId: Long): Intent {
diff --git a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRoomEnterResponse.kt b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRoomEnterResponse.kt
index 191d18de..0630e772 100644
--- a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRoomEnterResponse.kt
+++ b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/ChatRoomEnterResponse.kt
@@ -11,5 +11,7 @@ data class ChatRoomEnterResponse(
     @SerializedName("roomId") val roomId: Long,
     @SerializedName("character") val character: CharacterInfo,
     @SerializedName("messages") val messages: List<ServerChatMessage>,
-    @SerializedName("hasMoreMessages") val hasMoreMessages: Boolean
+    @SerializedName("hasMoreMessages") val hasMoreMessages: Boolean,
+    @SerializedName("totalRemaining") val totalRemaining: Int = 0,
+    @SerializedName("nextRechargeAtEpoch") val nextRechargeAtEpoch: Long? = null
 )
diff --git a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/SendChatMessageResponse.kt b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/SendChatMessageResponse.kt
new file mode 100644
index 00000000..54fbddb0
--- /dev/null
+++ b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/SendChatMessageResponse.kt
@@ -0,0 +1,11 @@
+package kr.co.vividnext.sodalive.chat.talk.room
+
+import androidx.annotation.Keep
+import com.google.gson.annotations.SerializedName
+
+@Keep
+data class SendChatMessageResponse(
+    @SerializedName("messages") val messages: List<ServerChatMessage>,
+    @SerializedName("totalRemaining") val totalRemaining: Int = 0,
+    @SerializedName("nextRechargeAtEpoch") val nextRechargeAtEpoch: Long? = null
+)
diff --git a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/quota/ChatQuotaPurchaseRequest.kt b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/quota/ChatQuotaPurchaseRequest.kt
new file mode 100644
index 00000000..3820c8e2
--- /dev/null
+++ b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/quota/ChatQuotaPurchaseRequest.kt
@@ -0,0 +1,9 @@
+package kr.co.vividnext.sodalive.chat.talk.room.quota
+
+import androidx.annotation.Keep
+import com.google.gson.annotations.SerializedName
+
+@Keep
+data class ChatQuotaPurchaseRequest(
+    @SerializedName("container") val container: String = "aos"
+)
diff --git a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/quota/ChatQuotaStatusResponse.kt b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/quota/ChatQuotaStatusResponse.kt
new file mode 100644
index 00000000..03f94690
--- /dev/null
+++ b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/room/quota/ChatQuotaStatusResponse.kt
@@ -0,0 +1,10 @@
+package kr.co.vividnext.sodalive.chat.talk.room.quota
+
+import androidx.annotation.Keep
+import com.google.gson.annotations.SerializedName
+
+@Keep
+data class ChatQuotaStatusResponse(
+    @SerializedName("totalRemaining") val totalRemaining: Int,
+    @SerializedName("nextRechargeAtEpoch") val nextRechargeAtEpoch: Long?
+)
diff --git a/app/src/main/res/drawable-mdpi/ic_time.png b/app/src/main/res/drawable-mdpi/ic_time.png
new file mode 100644
index 00000000..150da3cd
Binary files /dev/null and b/app/src/main/res/drawable-mdpi/ic_time.png differ
diff --git a/app/src/main/res/drawable/bg_chat_notice_quota.xml b/app/src/main/res/drawable/bg_chat_notice_quota.xml
new file mode 100644
index 00000000..15a62003
--- /dev/null
+++ b/app/src/main/res/drawable/bg_chat_notice_quota.xml
@@ -0,0 +1,6 @@
+<?xml version="1.0" encoding="utf-8"?>
+<shape xmlns:android="http://schemas.android.com/apk/res/android"
+    android:shape="rectangle">
+    <solid android:color="#EC8280" />
+    <corners android:radius="10dp" />
+</shape>
diff --git a/app/src/main/res/layout/item_chat_quota_notice.xml b/app/src/main/res/layout/item_chat_quota_notice.xml
new file mode 100644
index 00000000..321239ab
--- /dev/null
+++ b/app/src/main/res/layout/item_chat_quota_notice.xml
@@ -0,0 +1,81 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:tools="http://schemas.android.com/tools"
+    android:layout_width="match_parent"
+    android:layout_height="wrap_content"
+    android:orientation="vertical"
+    android:paddingVertical="20dp">
+
+    <LinearLayout
+        android:layout_width="match_parent"
+        android:layout_height="120dp"
+        android:background="@drawable/bg_chat_notice_quota"
+        android:gravity="center"
+        android:orientation="vertical">
+
+        <ImageView
+            android:id="@+id/iv_icon"
+            android:layout_width="30dp"
+            android:layout_height="30dp"
+            android:contentDescription="@null"
+            android:src="@drawable/ic_time" />
+
+        <TextView
+            android:id="@+id/tv_time"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="8dp"
+            android:fontFamily="@font/pretendard_bold"
+            android:textColor="@color/white"
+            android:textSize="18sp"
+            tools:text="--:--:--" />
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="8dp"
+            android:fontFamily="@font/pretendard_bold"
+            android:text="기다리면 무료 이용이 가능합니다."
+            android:textColor="@color/white"
+            android:textSize="18sp" />
+
+    </LinearLayout>
+
+    <LinearLayout
+        android:id="@+id/ll_purchase"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:layout_marginTop="10dp"
+        android:background="@drawable/bg_buy_button"
+        android:gravity="center"
+        android:orientation="horizontal"
+        android:paddingVertical="12dp">
+
+        <ImageView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_marginEnd="4dp"
+            android:contentDescription="@null"
+            android:src="@drawable/ic_can" />
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_marginEnd="8dp"
+            android:fontFamily="@font/pretendard_bold"
+            android:includeFontPadding="false"
+            android:text="30"
+            android:textColor="#263238"
+            android:textSize="24sp" />
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:fontFamily="@font/pretendard_bold"
+            android:includeFontPadding="false"
+            android:text="결제하고 바로 대화 시작"
+            android:textColor="#263238"
+            android:textSize="18sp" />
+    </LinearLayout>
+
+</LinearLayout>