diff --git a/agent/billing_links.py b/agent/billing_links.py
new file mode 100644
index 00000000000..1e9320ebb45
--- /dev/null
+++ b/agent/billing_links.py
@@ -0,0 +1,124 @@
+"""Provider-agnostic billing/credit recovery links.
+
+Maps a billing-classified failure onto a recovery link + label. *Detection*
+is not done here — that is :mod:`agent.error_classifier`
+(``FailoverReason.billing``), the single source of truth for "credit wall vs.
+rate limit / auth / transport". The resulting :class:`BillingBlock` rides the
+turn result and the gateway ``message.complete`` event so every surface (CLI,
+TUI, desktop) renders one structured signal instead of re-parsing error text.
+"""
+
+from __future__ import annotations
+
+from dataclasses import asdict, dataclass
+from typing import Optional
+
+from utils import base_url_host_matches
+
+
+@dataclass
+class BillingBlock:
+    """Structured billing-wall descriptor shared across every surface.
+
+    ``is_nous`` is the routing bit: Nous has a first-class in-app billing surface
+    (desktop Settings → Billing, TUI/CLI ``/topup``), so surfaces prefer that over
+    ``billing_url``; third-party providers have no in-app flow, so ``billing_url``
+    is the deep link the user actually needs.
+    """
+
+    provider: str
+    provider_label: str
+    model: str
+    billing_url: Optional[str]
+    is_nous: bool
+    message: str
+
+    def to_dict(self) -> dict:
+        return asdict(self)
+
+
+@dataclass(frozen=True)
+class _Provider:
+    label: str
+    url: str
+    slugs: tuple[str, ...]
+    hosts: tuple[str, ...] = ()
+
+
+# Single source of truth: internal slug(s) + base_url host(s) → billing page.
+# Curated "add credits / manage billing" landing pages, not marketing homes.
+# Hosts back the OpenAI-compatible fallback where the slug is a generic bucket
+# (e.g. "openai_compatible") but base_url reveals the real upstream. An unknown
+# provider degrades to a readable label with no invented URL.
+_PROVIDERS: tuple[_Provider, ...] = (
+    _Provider("OpenAI", "https://platform.openai.com/settings/organization/billing", ("openai",), ("api.openai.com",)),
+    _Provider("Anthropic", "https://console.anthropic.com/settings/billing", ("anthropic",), ("api.anthropic.com",)),
+    _Provider("OpenRouter", "https://openrouter.ai/settings/credits", ("openrouter",), ("openrouter.ai",)),
+    _Provider("xAI", "https://console.x.ai/team/default/billing", ("xai", "xai-oauth"), ("api.x.ai",)),
+    _Provider("DeepSeek", "https://platform.deepseek.com/top_up", ("deepseek",), ("api.deepseek.com",)),
+    _Provider("Groq", "https://console.groq.com/settings/billing", ("groq",), ("api.groq.com",)),
+    _Provider("Mistral", "https://console.mistral.ai/billing", ("mistral",), ("api.mistral.ai",)),
+    _Provider("Together AI", "https://api.together.ai/settings/billing", ("together",), ("api.together.ai", "api.together.xyz")),
+    _Provider("Fireworks AI", "https://fireworks.ai/account/billing", ("fireworks",), ("fireworks.ai",)),
+    _Provider("Perplexity", "https://www.perplexity.ai/settings/api", ("perplexity",), ("perplexity.ai",)),
+    _Provider("Google AI", "https://aistudio.google.com/app/billing", ("google", "gemini"), ("generativelanguage.googleapis.com",)),
+    _Provider("Cohere", "https://dashboard.cohere.com/billing", ("cohere",)),
+    _Provider("Moonshot AI", "https://platform.moonshot.ai/console/pay", ("moonshot",)),
+    _Provider("NVIDIA", "https://build.nvidia.com/settings/billing", ("nvidia",)),
+)
+
+_BY_SLUG: dict[str, _Provider] = {slug: p for p in _PROVIDERS for slug in p.slugs}
+
+
+def is_nous_inference_route(provider: str, base_url: str) -> bool:
+    """True when the failing route is the Nous-managed inference gateway."""
+    if (provider or "").strip().lower() == "nous":
+        return True
+    return base_url_host_matches(str(base_url or ""), "inference-api.nousresearch.com")
+
+
+def _nous_billing_url() -> Optional[str]:
+    """Best-effort Nous portal billing URL (text-surface fallback; Nous prefers the in-app flow)."""
+    try:
+        from hermes_cli.nous_account import nous_portal_billing_url
+
+        return nous_portal_billing_url(None)
+    except Exception:
+        return "https://portal.nousresearch.com/billing"
+
+
+def _resolve_provider_link(slug: str, base_url: str) -> tuple[str, Optional[str]]:
+    """Resolve ``(label, url)``: exact slug → base_url host → readable-label fallback."""
+    hit = _BY_SLUG.get(slug)
+    if hit:
+        return hit.label, hit.url
+
+    base = str(base_url or "")
+    for p in _PROVIDERS:
+        if any(base_url_host_matches(base, host) for host in p.hosts):
+            return p.label, p.url
+
+    return slug.replace("_", " ").replace("-", " ").strip().title() or "your provider", None
+
+
+def build_billing_block(
+    *,
+    provider: str,
+    base_url: str,
+    model: str,
+    message: str = "",
+) -> BillingBlock:
+    """Build the billing descriptor for a billing-classified failure.
+
+    ``message`` is the guidance already assembled by the agent loop
+    (:func:`agent.conversation_loop._billing_or_entitlement_message`), carried
+    through unchanged so every surface shows identical copy.
+    """
+    slug = (provider or "").strip().lower()
+    model = (model or "").strip()
+
+    if is_nous_inference_route(slug, base_url):
+        return BillingBlock(slug or "nous", "Nous Portal", model, _nous_billing_url(), True, message or "")
+
+    label, url = _resolve_provider_link(slug, base_url)
+    return BillingBlock(slug, label, model, url, False, message or "")
diff --git a/agent/conversation_loop.py b/agent/conversation_loop.py
index fb9d11b66fc..22b1a6c213b 100644
--- a/agent/conversation_loop.py
+++ b/agent/conversation_loop.py
@@ -300,6 +300,19 @@ def _billing_or_entitlement_message(
         ]
         return "\n".join(lines)
 
+    # Provider-agnostic billing URL derivation (OpenAI, DeepSeek, xAI, Groq,
+    # OpenRouter, …) so every text surface — CLI, gateway messaging, TUI
+    # transcript — shows the same actionable link, not just OpenRouter.
+    try:
+        from agent.billing_links import build_billing_block
+
+        _link = build_billing_block(provider=provider, base_url=base_url, model=model)
+        if _link.provider_label:
+            provider_label = _link.provider_label
+        billing_url = _link.billing_url
+    except Exception:
+        billing_url = None
+
     lines = [
         (
             f"{provider_label} reported that billing, credits, or account "
@@ -307,12 +320,24 @@ def _billing_or_entitlement_message(
         ),
         "Add credits or update billing with that provider, then retry.",
     ]
-    if base_url_host_matches(str(base_url or ""), "openrouter.ai"):
-        lines.append("OpenRouter credits: https://openrouter.ai/settings/credits")
+    if billing_url:
+        lines.append(f"{provider_label} billing: {billing_url}")
     lines.append("You can switch providers temporarily with /model <model> --provider <provider>.")
     return "\n".join(lines)
 
 
+def _billing_block_dict(provider, base_url, model, message="") -> Optional[dict]:
+    """Best-effort structured billing descriptor (None if billing_links is unavailable)."""
+    try:
+        from agent.billing_links import build_billing_block
+
+        return build_billing_block(
+            provider=provider, base_url=str(base_url), model=model, message=message
+        ).to_dict()
+    except Exception:
+        return None
+
+
 def _print_billing_or_entitlement_guidance(
     agent,
     *,
@@ -4275,6 +4300,31 @@ def run_conversation(
                             final_response=_policy_response,
                             error_detail=_nonretryable_summary,
                         )
+                    # Billing walls are the common non-retryable abort: enrich
+                    # the result with the same structured recovery descriptor as
+                    # the max-retries path so every surface (CLI, TUI, desktop)
+                    # renders one consistent billing signal.
+                    if classified.reason == FailoverReason.billing:
+                        _ce_guidance = _billing_or_entitlement_message(
+                            capability="model access",
+                            provider=_provider,
+                            base_url=str(_base),
+                            model=_model,
+                        )
+                        _ce_final = f"Billing or credits exhausted: {_nonretryable_summary}"
+                        if _ce_guidance:
+                            _ce_final += f"\n\n{_ce_guidance}"
+                        _ce_block = _billing_block_dict(_provider, _base, _model, _ce_guidance)
+                        return {
+                            "final_response": _ce_final,
+                            "messages": messages,
+                            "api_calls": api_call_count,
+                            "completed": False,
+                            "failed": True,
+                            "error": _nonretryable_summary,
+                            "failure_reason": classified.reason.value,
+                            "billing_block": _ce_block,
+                        }
                     return {
                         "final_response": _nonretryable_summary,
                         "messages": messages,
@@ -4435,10 +4485,14 @@ def run_conversation(
                             api_kwargs, reason="max_retries_exhausted", error=api_error,
                         )
                     agent._persist_session(messages, conversation_history)
+                    _billing_block = None
                     if classified.reason == FailoverReason.billing:
                         _final_response = f"Billing or credits exhausted: {_final_summary}"
                         if _billing_guidance:
                             _final_response += f"\n\n{_billing_guidance}"
+                        # Structured recovery descriptor so every surface renders
+                        # the same link + label from one signal (see helper).
+                        _billing_block = _billing_block_dict(_provider, _base, _model, _billing_guidance)
                     else:
                         _final_response = f"API call failed after {max_retries} retries: {_final_summary}"
                     if _is_thinking_timeout:
@@ -4478,6 +4532,9 @@ def run_conversation(
                         # different exit code. ``rate_limit`` / ``billing`` here
                         # mean "quota wall, not a task error".
                         "failure_reason": classified.reason.value,
+                        # Present only for billing walls: structured recovery
+                        # descriptor (provider, billing_url, is_nous, message).
+                        "billing_block": _billing_block,
                     }
 
                 # For rate limits, respect the Retry-After header if present
diff --git a/apps/shared/src/billing-types.ts b/apps/shared/src/billing-types.ts
index d8d7415c7bb..9a7801c2233 100644
--- a/apps/shared/src/billing-types.ts
+++ b/apps/shared/src/billing-types.ts
@@ -6,6 +6,29 @@
  * gateway event union out of this runtime-free module.
  */
 
+// ── Billing wall (inference credit exhaustion) ───────────────────────
+
+/**
+ * Structured billing-wall descriptor emitted by the gateway on the
+ * `message.complete` event (`payload.billing`) when an inference call fails
+ * because the account is out of credits / payment is required — mirrors the
+ * Python `agent/billing_links.py::BillingBlock`.
+ *
+ * Detection is backend-only (`agent/error_classifier.py` →
+ * `FailoverReason.billing`), so every surface renders from this one signal and
+ * never re-classifies free-form error text. `is_nous` routes recovery: Nous is
+ * the managed route with in-app billing (desktop Settings → Billing, TUI
+ * `/topup`), while third-party providers deep-link to `billing_url`.
+ */
+export interface BillingBlock {
+  provider: string
+  provider_label: string
+  model: string
+  billing_url: string | null
+  is_nous: boolean
+  message: string
+}
+
 // ── Remote Spending (Phase 2b) ───────────────────────────────────────
 
 /** One serialized usage bar (mirrors server `_serialize_usage_bar`). */
diff --git a/apps/shared/src/index.ts b/apps/shared/src/index.ts
index b951bc4700e..09e10e40052 100644
--- a/apps/shared/src/index.ts
+++ b/apps/shared/src/index.ts
@@ -6,6 +6,7 @@ export {
 } from './billing-policy'
 export type {
   BillingAutoReload,
+  BillingBlock,
   BillingCardInfo,
   BillingChargeResponse,
   BillingChargeStatusResponse,
diff --git a/tests/agent/test_billing_links.py b/tests/agent/test_billing_links.py
new file mode 100644
index 00000000000..2c17853ea59
--- /dev/null
+++ b/tests/agent/test_billing_links.py
@@ -0,0 +1,103 @@
+"""Tests for provider-agnostic billing recovery links (agent/billing_links.py).
+
+Behavior/invariant tests — no snapshotting of the exact URL strings beyond the
+few that are the whole point of the mapping (the host they must land on).
+"""
+
+from __future__ import annotations
+
+from agent.billing_links import (
+    BillingBlock,
+    build_billing_block,
+    is_nous_inference_route,
+)
+
+
+def test_nous_route_by_provider_slug():
+    block = build_billing_block(provider="nous", base_url="", model="hermes-4")
+    assert block.is_nous is True
+    assert block.provider_label == "Nous Portal"
+    # Nous always resolves an in-app/portal billing URL as a fallback.
+    assert block.billing_url and "nousresearch.com" in block.billing_url
+
+
+def test_nous_route_by_base_url_host():
+    block = build_billing_block(
+        provider="openai_compatible",
+        base_url="https://inference-api.nousresearch.com/v1",
+        model="hermes-4",
+    )
+    assert block.is_nous is True
+
+
+def test_is_nous_inference_route_helper():
+    assert is_nous_inference_route("nous", "") is True
+    assert is_nous_inference_route("", "https://inference-api.nousresearch.com/v1") is True
+    assert is_nous_inference_route("openai", "https://api.openai.com/v1") is False
+
+
+def test_known_provider_by_slug_resolves_label_and_url():
+    block = build_billing_block(provider="openai", base_url="", model="gpt-5")
+    assert block.is_nous is False
+    assert block.provider_label == "OpenAI"
+    assert block.billing_url is not None
+    assert "openai.com" in block.billing_url
+
+
+def test_openrouter_resolves_credits_page():
+    block = build_billing_block(
+        provider="openrouter",
+        base_url="https://openrouter.ai/api/v1",
+        model="anthropic/claude",
+    )
+    assert block.is_nous is False
+    assert block.billing_url is not None
+    assert "openrouter.ai" in block.billing_url
+
+
+def test_unknown_provider_via_base_url_host_fallback():
+    # Provider slug is a generic bucket; the host reveals the real upstream.
+    block = build_billing_block(
+        provider="custom",
+        base_url="https://api.deepseek.com/v1",
+        model="deepseek-chat",
+    )
+    assert block.provider_label == "DeepSeek"
+    assert block.billing_url is not None
+    assert "deepseek.com" in block.billing_url
+
+
+def test_unknown_provider_degrades_without_url():
+    block = build_billing_block(
+        provider="my_local_llm",
+        base_url="http://localhost:1234/v1",
+        model="llama",
+    )
+    assert block.is_nous is False
+    # No invented URL for an unknown provider — but a readable label survives.
+    assert block.billing_url is None
+    assert block.provider_label  # non-empty, humanized
+
+
+def test_message_is_carried_through_unchanged():
+    block = build_billing_block(
+        provider="openai",
+        base_url="",
+        model="gpt-5",
+        message="You are out of credits.",
+    )
+    assert block.message == "You are out of credits."
+
+
+def test_to_dict_round_trips_all_fields():
+    block = build_billing_block(provider="openai", base_url="", model="gpt-5")
+    data = block.to_dict()
+    assert set(data) == {
+        "provider",
+        "provider_label",
+        "model",
+        "billing_url",
+        "is_nous",
+        "message",
+    }
+    assert isinstance(block, BillingBlock)
diff --git a/tui_gateway/server.py b/tui_gateway/server.py
index 2e624336ba1..285258acb93 100644
--- a/tui_gateway/server.py
+++ b/tui_gateway/server.py
@@ -10608,6 +10608,13 @@ def _run_prompt_submit(rid, sid: str, session: dict, text: Any) -> None:
                 payload["warning"] = status_note
             if result.get("response_previewed"):
                 payload["response_previewed"] = True
+            # Forward the structured billing-wall descriptor (provider,
+            # billing_url, is_nous, message) so the TUI/desktop render a
+            # billing-specific recovery surface instead of re-parsing text.
+            _billing_block = result.get("billing_block") if isinstance(result, dict) else None
+            if _billing_block:
+                payload["billing"] = _billing_block
+                payload["failure_reason"] = result.get("failure_reason")
             rendered = render_message(raw, cols)
             if rendered:
                 payload["rendered"] = rendered