diff --git a/backend/igny8_core/ai/ai_core.py b/backend/igny8_core/ai/ai_core.py
index 7c69a48f..cd105a65 100644
--- a/backend/igny8_core/ai/ai_core.py
+++ b/backend/igny8_core/ai/ai_core.py
@@ -43,33 +43,21 @@ class AICore:
         self._load_account_settings()
     
     def _load_account_settings(self):
-        """Load API keys from IntegrationSettings for account only - no fallbacks"""
-        def get_integration_key(integration_type: str, account):
-            if not account:
-                return None
-            try:
-                from igny8_core.modules.system.models import IntegrationSettings
-                settings_obj = IntegrationSettings.objects.filter(
-                    integration_type=integration_type,
-                    account=account,
-                    is_active=True
-                ).first()
-                if settings_obj and settings_obj.config:
-                    return settings_obj.config.get('apiKey')
-            except Exception as e:
-                logger.warning(f"Could not load {integration_type} settings for account {getattr(account, 'id', None)}: {e}", exc_info=True)
-            return None
-
-        # Load account-specific keys only - configure via Django admin
-        if self.account:
-            self._openai_api_key = get_integration_key('openai', self.account)
-            self._runware_api_key = get_integration_key('runware', self.account)
-
-        # Fallback to Django settings as last resort
-        if not self._openai_api_key:
-            self._openai_api_key = getattr(settings, 'OPENAI_API_KEY', None)
-        if not self._runware_api_key:
-            self._runware_api_key = getattr(settings, 'RUNWARE_API_KEY', None)
+        """Load API keys from GlobalIntegrationSettings (platform-wide, used by ALL accounts)"""
+        try:
+            from igny8_core.modules.system.global_settings_models import GlobalIntegrationSettings
+            
+            # Get global settings - single instance used by ALL accounts
+            global_settings = GlobalIntegrationSettings.get_instance()
+            
+            # Load API keys from global settings (platform-wide)
+            self._openai_api_key = global_settings.openai_api_key
+            self._runware_api_key = global_settings.runware_api_key
+            
+        except Exception as e:
+            logger.error(f"Could not load GlobalIntegrationSettings: {e}", exc_info=True)
+            self._openai_api_key = None
+            self._runware_api_key = None
     
     def get_api_key(self, integration_type: str = 'openai') -> Optional[str]:
         """Get API key for integration type"""
diff --git a/backend/igny8_core/business/billing/services/credit_service.py b/backend/igny8_core/business/billing/services/credit_service.py
index abfd9a48..660ae6cc 100644
--- a/backend/igny8_core/business/billing/services/credit_service.py
+++ b/backend/igny8_core/business/billing/services/credit_service.py
@@ -82,6 +82,62 @@ class CreditService:
         
         return credits
     
+    @staticmethod
+    def check_credits(account, operation_type, estimated_amount=None):
+        """
+        Check if account has sufficient credits for an operation.
+        For token-based operations, this is an estimate check only.
+        Actual deduction happens after AI call with real token usage.
+        
+        Args:
+            account: Account instance
+            operation_type: Type of operation
+            estimated_amount: Optional estimated amount (for non-token operations)
+        
+        Raises:
+            InsufficientCreditsError: If account doesn't have enough credits
+        """
+        from igny8_core.business.billing.models import CreditCostConfig
+        from igny8_core.business.billing.constants import CREDIT_COSTS
+        
+        # Get operation config
+        config = CreditCostConfig.objects.filter(
+            operation_type=operation_type,
+            is_active=True
+        ).first()
+        
+        if config:
+            # Use minimum credits as estimate for token-based operations
+            required = config.min_credits
+        else:
+            # Fallback to constants
+            required = CREDIT_COSTS.get(operation_type, 1)
+        
+        if account.credits < required:
+            raise InsufficientCreditsError(
+                f"Insufficient credits. Required: {required}, Available: {account.credits}"
+            )
+        return True
+    
+    @staticmethod
+    def check_credits_legacy(account, amount):
+        """
+        Legacy method to check credits for a known amount.
+        Used internally by deduct_credits.
+        
+        Args:
+            account: Account instance
+            amount: Required credits amount
+        
+        Raises:
+            InsufficientCreditsError: If account doesn't have enough credits
+        """
+        if account.credits < amount:
+            raise InsufficientCreditsError(
+                f"Insufficient credits. Required: {amount}, Available: {account.credits}"
+            )
+        return True
+    
     @staticmethod
     def check_credits_for_tokens(account, operation_type, estimated_tokens_input, estimated_tokens_output):
         """