diff --git a/src/App.tsx b/src/App.tsx
index c4d6385..dab1731 100644
--- a/src/App.tsx
+++ b/src/App.tsx
@@ -26,12 +26,11 @@ import { CostCenterAggregator, type CostCenterResult } from './pipeline/aggregat
 import { OrganizationAggregator, type OrganizationResult } from './pipeline/aggregators/organizationAggregator'
 import { UserUsageAggregator, type UserUsageResult } from './pipeline/aggregators/userUsageAggregator'
 import {
-  BUSINESS_MONTHLY_AIC_INCLUDED_CREDITS,
-  ENTERPRISE_MONTHLY_AIC_INCLUDED_CREDITS,
   calculateLicenseSummary,
   inferReportPlanScope,
   type AicIncludedCreditsOverrides,
 } from './pipeline/aicIncludedCredits'
+import { resolveIncludedCreditsPolicy } from './pipeline/includedCreditsPolicy'
 import { PRODUCT_BUDGET_COPILOT, PRODUCT_BUDGET_COPILOT_CLOUD_AGENT, PRODUCT_BUDGET_SPARK } from './pipeline/productClassification'
 import { runPipeline } from './pipeline/runPipeline'
 import type { ReportFormatMetadata } from './pipeline/reportAdapters'
@@ -39,6 +38,7 @@ import { runBudgetSimulation, type BudgetSimulationResult } from './utils/budget
 import { EMPTY_BUDGET_VALUES, getDefaultBudgetValues, getUserSpendSegmentsByUsername, type BudgetField, type BudgetValues } from './utils/costManagementBudgets'
 import { calculateIndividualPlanUpgradeRecommendation, getIndividualLicenseMonthlyCost } from './utils/individualPlanUpgrade'
 import { normalizeSeatCount } from './utils/seatCounts'
+import { getReportMode, isNativeAiCreditsMode } from './utils/reportMode'
 import { useAppVersionCheck } from './hooks/useAppVersionCheck'
 
 type Status = 'idle' | 'processing' | 'done'
@@ -116,25 +116,37 @@ function App() {
     includedCreditsOverrides: AicIncludedCreditsOverrides = {},
     onProgress?: (progressInfo: { rowsProcessed: number; progressPercent: number }) => void,
   ) => {
-    const statsAggregator = new QuickStatsAggregator()
-    const contextAggregator = new ReportContextAggregator()
-    const dailyAggregator = new DailyUsageAggregator()
-    const modelAggregator = new ModelUsageAggregator()
-    const productAggregator = new ProductUsageAggregator()
-    const costCenterAggregator = new CostCenterAggregator()
-    const orgAggregator = new OrganizationAggregator()
-    const userAggregator = new UserUsageAggregator()
-
-    const pipelineResult = await runPipeline(file, [
-      statsAggregator,
-      contextAggregator,
-      dailyAggregator,
-      modelAggregator,
-      productAggregator,
-      costCenterAggregator,
-      orgAggregator,
-      userAggregator,
-    ], {
+    let statsAggregator!: QuickStatsAggregator
+    let contextAggregator!: ReportContextAggregator
+    let dailyAggregator!: DailyUsageAggregator
+    let modelAggregator!: ModelUsageAggregator
+    let productAggregator!: ProductUsageAggregator
+    let costCenterAggregator!: CostCenterAggregator
+    let orgAggregator!: OrganizationAggregator
+    let userAggregator!: UserUsageAggregator
+
+    const pipelineResult = await runPipeline(file, (reportMetadata) => {
+      statsAggregator = new QuickStatsAggregator()
+      contextAggregator = new ReportContextAggregator()
+      dailyAggregator = new DailyUsageAggregator(reportMetadata)
+      modelAggregator = new ModelUsageAggregator(reportMetadata)
+      productAggregator = new ProductUsageAggregator(reportMetadata)
+      costCenterAggregator = new CostCenterAggregator(reportMetadata)
+      orgAggregator = new OrganizationAggregator(reportMetadata)
+      userAggregator = new UserUsageAggregator(reportMetadata)
+
+      return [
+        statsAggregator,
+        contextAggregator,
+        dailyAggregator,
+        modelAggregator,
+        productAggregator,
+        costCenterAggregator,
+        orgAggregator,
+        userAggregator,
+      ]
+    }, {
+      enableNativeAiCreditsProcessing: true,
       includedCreditsOverrides,
       progressResolution: 500,
       onProgress,
@@ -156,8 +168,16 @@ function App() {
     }
   }, [])
 
+  const reportMode = getReportMode(reportMetadata)
+  const isNativeAiCreditsReport = isNativeAiCreditsMode(reportMode)
+  const rangeStart = reportContext?.startDate ?? null
+  const rangeEnd = reportContext?.endDate ?? null
+  const includedCreditsPolicy = resolveIncludedCreditsPolicy(reportMode, { startDate: rangeStart, endDate: rangeEnd })
+  const showOrganizationPromotionalDataDisclaimer = reportMode === 'transition-period-billing-preview'
+    || includedCreditsPolicy.id === 'native-ai-credits-summer-promo'
+
   const getDefaultSeatCounts = useCallback(() => {
-    const summary = calculateLicenseSummary(userUsage?.users ?? [])
+    const summary = calculateLicenseSummary(userUsage?.users ?? [], includedCreditsPolicy)
     return {
       business: normalizeSeatCount(
         summary.rows.find((row) => row.label === 'Copilot Business')?.users ?? 0,
@@ -168,7 +188,7 @@ function App() {
         0,
       ),
     }
-  }, [userUsage])
+  }, [includedCreditsPolicy, userUsage])
 
   const resetReportState = useCallback(({ status, fileName }: { status: Status; fileName: string | null }) => {
     setStatus(status)
@@ -339,6 +359,11 @@ function App() {
   const handleApplyBudgetSimulation = useCallback(async () => {
     const file = currentFileRef.current
     if (!file) return
+    if (isNativeAiCreditsReport) {
+      setBudgetSimulation(null)
+      setBudgetSimulationError('Budget simulation is not available for native AI Credits reports yet.')
+      return
+    }
 
     const budgetReportUsers = userUsage?.users ?? []
     const hasBudgetOrganizationContext = budgetReportUsers.some((user) => user.organizations.length > 0 || user.costCenters.length > 0)
@@ -424,6 +449,7 @@ function App() {
     budgetValues.productCopilot,
     budgetValues.productSpark,
     budgetValues.user,
+    isNativeAiCreditsReport,
     resolveIncludedCreditOverrides,
     seatOverrides,
     userUsage,
@@ -485,8 +511,6 @@ function App() {
 
   const hasReport = status === 'done' && fileName !== null && reportMetadata !== null
   const showSeatConfirmation = hasReport && seatConfirmationPending
-  const rangeStart = reportContext?.startDate ?? null
-  const rangeEnd = reportContext?.endDate ?? null
   const reportUsers = userUsage?.users ?? []
   const hasOrganizationContext = reportUsers.some((user) => user.organizations.length > 0 || user.costCenters.length > 0)
   const reportPlanScope = inferReportPlanScope(reportUsers.length, hasOrganizationContext)
@@ -505,15 +529,18 @@ function App() {
     ? { business: effectiveBusinessSeats, enterprise: effectiveEnterpriseSeats }
     : undefined
   const includedAicPoolSize = reportPlanScope === 'organization'
-    ? (effectiveBusinessSeats * BUSINESS_MONTHLY_AIC_INCLUDED_CREDITS) + (effectiveEnterpriseSeats * ENTERPRISE_MONTHLY_AIC_INCLUDED_CREDITS)
-    : calculateLicenseSummary(reportUsers).totalIncludedAic
+    ? (effectiveBusinessSeats * includedCreditsPolicy.organizationPlans.business.monthlyIncludedCredits) + (effectiveEnterpriseSeats * includedCreditsPolicy.organizationPlans.enterprise.monthlyIncludedCredits)
+    : calculateLicenseSummary(reportUsers, includedCreditsPolicy).totalIncludedAic
 
   const selectedUser = individualUser
     ?? (selectedUsername && userUsage
       ? userUsage.users.find((user) => user.username === selectedUsername) ?? null
       : null)
   const canShowSpendInsights = Boolean(userUsage) && !isIndividualReport && reportUsers.length > 1
-  const visibleActiveView = activeView === 'spendInsights' && !canShowSpendInsights ? 'overview' : activeView
+  const visibleActiveView = (activeView === 'spendInsights' && !canShowSpendInsights)
+    || (isNativeAiCreditsReport && (activeView === 'guide' || activeView === 'faq'))
+    ? 'overview'
+    : activeView
   const userNavActive = isIndividualReport
     ? visibleActiveView === 'userDetails'
     : visibleActiveView === 'users' || visibleActiveView === 'userDetails'
@@ -704,25 +731,29 @@ function App() {
                   <span className="whitespace-nowrap overflow-hidden text-ellipsis max-sm:sr-only">Cost Management</span>
                 </button>
 
-                <hr className="border-0 border-t border-border-default my-[6px]" />
-
-                <button
-                  type="button"
-                  className={`${sidebarItemBase} ${visibleActiveView === 'guide' ? sidebarActive : sidebarInactive}`}
-                  onClick={() => setActiveView('guide')}
-                >
-                  <InfoIcon size={18} className="shrink-0" aria-hidden />
-                  <span className="whitespace-nowrap overflow-hidden text-ellipsis max-sm:sr-only">Report Format</span>
-                </button>
-
-                <button
-                  type="button"
-                  className={`${sidebarItemBase} ${visibleActiveView === 'faq' ? sidebarActive : sidebarInactive}`}
-                  onClick={() => setActiveView('faq')}
-                >
-                  <QuestionIcon size={18} className="shrink-0" aria-hidden />
-                  <span className="whitespace-nowrap overflow-hidden text-ellipsis max-sm:sr-only">FAQ</span>
-                </button>
+                {!isNativeAiCreditsReport && (
+                  <>
+                    <hr className="border-0 border-t border-border-default my-[6px]" />
+
+                    <button
+                      type="button"
+                      className={`${sidebarItemBase} ${visibleActiveView === 'guide' ? sidebarActive : sidebarInactive}`}
+                      onClick={() => setActiveView('guide')}
+                    >
+                      <InfoIcon size={18} className="shrink-0" aria-hidden />
+                      <span className="whitespace-nowrap overflow-hidden text-ellipsis max-sm:sr-only">Report Format</span>
+                    </button>
+
+                    <button
+                      type="button"
+                      className={`${sidebarItemBase} ${visibleActiveView === 'faq' ? sidebarActive : sidebarInactive}`}
+                      onClick={() => setActiveView('faq')}
+                    >
+                      <QuestionIcon size={18} className="shrink-0" aria-hidden />
+                      <span className="whitespace-nowrap overflow-hidden text-ellipsis max-sm:sr-only">FAQ</span>
+                    </button>
+                  </>
+                )}
               </nav>
             </aside>
 
@@ -740,6 +771,8 @@ function App() {
                 reportPlanScope={reportPlanScope}
                 upgradeRecommendation={individualUpgradeRecommendation}
                 onAdjustSeatCounts={reportPlanScope === 'organization' && !isIndividualReport ? () => setActiveView('users') : undefined}
+                reportMode={reportMode}
+                showOrganizationPromotionalDataDisclaimer={showOrganizationPromotionalDataDisclaimer}
               />
             ) : visibleActiveView === 'models' ? (
               modelUsage && modelUsage.models.length > 0 ? (
@@ -749,6 +782,8 @@ function App() {
                     isIndividualReport={isIndividualReport}
                     rangeStart={rangeStart}
                     rangeEnd={rangeEnd}
+                    reportMode={reportMode}
+                    showOrganizationPromotionalDataDisclaimer={showOrganizationPromotionalDataDisclaimer}
                   />
                 </div>
               ) : null
@@ -764,6 +799,8 @@ function App() {
                       setSelectedUsername(username)
                       setActiveView('userDetails')
                    }}
+                   reportMode={reportMode}
+                   includedCreditsPolicy={includedCreditsPolicy}
                  />
                </div>
                 ) : visibleActiveView === 'userDetails' || (visibleActiveView === 'users' && isIndividualReport) ? (
@@ -774,16 +811,24 @@ function App() {
                        showUsersBreadcrumb={!isIndividualReport}
                        rangeStart={rangeStart}
                        rangeEnd={rangeEnd}
+                       reportMode={reportMode}
+                       includedCreditsPolicy={includedCreditsPolicy}
+                       showOrganizationPromotionalDataDisclaimer={showOrganizationPromotionalDataDisclaimer}
                      onBackToUsers={isIndividualReport ? undefined : () => setActiveView('users')}
                    />
                  </div>
                ) : visibleActiveView === 'costCenters' ? (
               <div className={viewContentClasses}>
-                <CostCentersView data={costCenters ?? { costCenters: [] }} rangeStart={rangeStart} />
+                <CostCentersView
+                  data={costCenters ?? { costCenters: [] }}
+                  rangeStart={rangeStart}
+                  reportMode={reportMode}
+                  showOrganizationPromotionalDataDisclaimer={showOrganizationPromotionalDataDisclaimer}
+                />
               </div>
                ) : visibleActiveView === 'products' ? (
                 <div className={viewContentClasses}>
-                  <ProductsView data={productUsage ?? { products: [] }} />
+                  <ProductsView data={productUsage ?? { products: [] }} reportMode={reportMode} />
                 </div>
                ) : visibleActiveView === 'spendInsights' ? (
                 <div className={viewContentClasses}>
@@ -818,19 +863,26 @@ function App() {
                     isApplyingBudgetSimulation={isApplyingBudgetSimulation}
                     onBudgetValueChange={handleBudgetValueChange}
                     onApplyBudgetSimulation={handleApplyBudgetSimulation}
+                    reportMode={reportMode}
+                    showOrganizationPromotionalDataDisclaimer={showOrganizationPromotionalDataDisclaimer}
                   />
                 </div>
-             ) : visibleActiveView === 'guide' ? (
+             ) : !isNativeAiCreditsReport && visibleActiveView === 'guide' ? (
                <div className={viewContentClasses}>
                  <ReportGuideView />
               </div>
-            ) : visibleActiveView === 'faq' ? (
+            ) : !isNativeAiCreditsReport && visibleActiveView === 'faq' ? (
               <div className={viewContentClasses}>
                 <FaqView />
               </div>
             ) : (
               <div className={viewContentClasses}>
-                <OrganizationsView data={orgs ?? { organizations: [] }} rangeStart={rangeStart} />
+                <OrganizationsView
+                  data={orgs ?? { organizations: [] }}
+                  rangeStart={rangeStart}
+                  reportMode={reportMode}
+                  showOrganizationPromotionalDataDisclaimer={showOrganizationPromotionalDataDisclaimer}
+                />
               </div>
             )}
           </main>
diff --git a/src/components/ProductUsageTable.test.ts b/src/components/ProductUsageTable.test.ts
new file mode 100644
index 0000000..5e6bb78
--- /dev/null
+++ b/src/components/ProductUsageTable.test.ts
@@ -0,0 +1,49 @@
+import { createElement } from 'react'
+import { renderToStaticMarkup } from 'react-dom/server'
+import { describe, expect, it } from 'vitest'
+
+import { ProductUsageTable, type ProductUsageTableProduct } from './ProductUsageTable'
+
+const PRODUCTS: ProductUsageTableProduct[] = [
+  {
+    product: 'Copilot',
+    totals: {
+      requests: 10,
+      aicQuantity: 25,
+      netAmount: 0.4,
+      aicNetAmount: 0.25,
+    },
+    models: {
+      'GPT-5.2': {
+        requests: 10,
+        aicQuantity: 25,
+        netAmount: 0.4,
+        aicNetAmount: 0.25,
+      },
+    },
+  },
+]
+
+describe('ProductUsageTable', () => {
+  it('keeps transition-period PRU comparison columns by default', () => {
+    const html = renderToStaticMarkup(createElement(ProductUsageTable, { products: PRODUCTS }))
+
+    expect(html).toContain('PRUs')
+    expect(html).toContain('PRU net cost')
+    expect(html).toContain('Difference')
+    expect(html).toContain('AIC net cost')
+  })
+
+  it('renders native AI Credits columns without PRU comparison labels', () => {
+    const html = renderToStaticMarkup(createElement(ProductUsageTable, {
+      products: PRODUCTS,
+      reportMode: 'native-ai-credits',
+    }))
+
+    expect(html).not.toContain('PRUs')
+    expect(html).not.toContain('PRU net cost')
+    expect(html).not.toContain('Difference')
+    expect(html).toContain('AICs')
+    expect(html).toContain('AIC net cost')
+  })
+})
diff --git a/src/components/ProductUsageTable.tsx b/src/components/ProductUsageTable.tsx
index 8a0986a..d73adcb 100644
--- a/src/components/ProductUsageTable.tsx
+++ b/src/components/ProductUsageTable.tsx
@@ -2,6 +2,7 @@ import { useMemo, useState } from 'react'
 import { InfoTip } from './InfoTip'
 import { th, thNum, td, tdNum } from './ui/tableStyles'
 import { formatAic, formatDifference, formatUsd } from '../utils/format'
+import { isNativeAiCreditsMode, type ReportMode } from '../utils/reportMode'
 
 export type ProductUsageTableTotals = {
   requests: number
@@ -19,6 +20,7 @@ export type ProductUsageTableProduct = {
 export type ProductUsageTableProps = {
   products: ProductUsageTableProduct[]
   title?: string
+  reportMode?: ReportMode
 }
 
 const PRODUCT_COLORS = ['#2da44e', '#8b5cf6', '#d4a72c', '#54aeff', '#cf222e', '#fd8c73', '#8b949e']
@@ -27,17 +29,20 @@ function formatInt(n: number): string {
   return n.toLocaleString(undefined, { maximumFractionDigits: 0 })
 }
 
-export function ProductUsageTable({ products, title }: ProductUsageTableProps) {
+export function ProductUsageTable({ products, title, reportMode = 'transition-period-billing-preview' }: ProductUsageTableProps) {
   const [expandedProducts, setExpandedProducts] = useState<Set<string>>(
     () => new Set(),
   )
+  const isNativeAiCredits = isNativeAiCreditsMode(reportMode)
 
   const modelRowsByProduct = useMemo(() => {
     const entries = products.map((product) => {
       const modelRows = Object.entries(product.models)
         .map(([model, totals]) => ({ model, totals }))
         .sort((a, b) => {
-          const costDiff = b.totals.netAmount - a.totals.netAmount
+          const costDiff = isNativeAiCredits
+            ? b.totals.aicNetAmount - a.totals.aicNetAmount
+            : b.totals.netAmount - a.totals.netAmount
           return costDiff !== 0 ? costDiff : a.model.localeCompare(b.model)
         })
 
@@ -45,7 +50,7 @@ export function ProductUsageTable({ products, title }: ProductUsageTableProps) {
     })
 
     return Object.fromEntries(entries)
-  }, [products])
+  }, [products, isNativeAiCredits])
 
   const toggleProduct = (product: string) => {
     setExpandedProducts((current) => {
@@ -70,11 +75,11 @@ export function ProductUsageTable({ products, title }: ProductUsageTableProps) {
         <thead>
           <tr>
             <th className={th}>Product</th>
-            <th className={thNum}>PRUs</th>
-            <th className={thNum}>PRU net cost</th>
+            {!isNativeAiCredits && <th className={thNum}>PRUs</th>}
+            {!isNativeAiCredits && <th className={thNum}>PRU net cost</th>}
             <th className={thNum}>AICs</th>
             <th className={thNum}>AIC net cost</th>
-            <th className={thNum}>Difference</th>
+            {!isNativeAiCredits && <th className={thNum}>Difference</th>}
           </tr>
         </thead>
         <tbody>
@@ -86,6 +91,7 @@ export function ProductUsageTable({ products, title }: ProductUsageTableProps) {
               isExpanded={expandedProducts.has(product.product)}
               modelRows={modelRowsByProduct[product.product] ?? []}
               onToggle={toggleProduct}
+              isNativeAiCredits={isNativeAiCredits}
             />
           ))}
         </tbody>
@@ -100,9 +106,10 @@ type ProductRowsProps = {
   isExpanded: boolean
   modelRows: Array<{ model: string; totals: ProductUsageTableTotals }>
   onToggle: (product: string) => void
+  isNativeAiCredits: boolean
 }
 
-function ProductRows({ product, productIndex, isExpanded, modelRows, onToggle }: ProductRowsProps) {
+function ProductRows({ product, productIndex, isExpanded, modelRows, onToggle, isNativeAiCredits }: ProductRowsProps) {
   const color = PRODUCT_COLORS[productIndex % PRODUCT_COLORS.length]
   const productDiff = product.totals.netAmount - product.totals.aicNetAmount
 
@@ -131,15 +138,17 @@ function ProductRows({ product, productIndex, isExpanded, modelRows, onToggle }:
             )}
           </span>
         </td>
-        <td className={tdNum}>{formatInt(product.totals.requests)}</td>
-        <td className={tdNum}>{formatUsd(product.totals.netAmount)}</td>
+        {!isNativeAiCredits && <td className={tdNum}>{formatInt(product.totals.requests)}</td>}
+        {!isNativeAiCredits && <td className={tdNum}>{formatUsd(product.totals.netAmount)}</td>}
         <td className={tdNum}>{formatAic(product.totals.aicQuantity)}</td>
         <td className={tdNum}>{formatUsd(product.totals.aicNetAmount)}</td>
-        <td
-          className={`${tdNum} font-semibold ${productDiff > 0 ? 'text-app-savings-fg' : productDiff < 0 ? 'text-fg-danger' : 'text-fg-muted'}`}
-        >
-          {formatDifference(productDiff)}
-        </td>
+        {!isNativeAiCredits && (
+          <td
+            className={`${tdNum} font-semibold ${productDiff > 0 ? 'text-app-savings-fg' : productDiff < 0 ? 'text-fg-danger' : 'text-fg-muted'}`}
+          >
+            {formatDifference(productDiff)}
+          </td>
+        )}
       </tr>
 
       {isExpanded &&
@@ -149,15 +158,17 @@ function ProductRows({ product, productIndex, isExpanded, modelRows, onToggle }:
           return (
             <tr key={`${product.product}-${row.model}`} className="[&_td]:bg-bg-default">
               <td className="pl-11 pr-4 py-3 border-b border-bg-muted whitespace-nowrap text-xs text-fg-muted">{row.model}</td>
-              <td className={`${tdNum} text-fg-muted`}>{formatInt(row.totals.requests)}</td>
-              <td className={`${tdNum} text-fg-muted`}>{formatUsd(row.totals.netAmount)}</td>
+              {!isNativeAiCredits && <td className={`${tdNum} text-fg-muted`}>{formatInt(row.totals.requests)}</td>}
+              {!isNativeAiCredits && <td className={`${tdNum} text-fg-muted`}>{formatUsd(row.totals.netAmount)}</td>}
               <td className={`${tdNum} text-fg-muted`}>{formatAic(row.totals.aicQuantity)}</td>
               <td className={`${tdNum} text-fg-muted`}>{formatUsd(row.totals.aicNetAmount)}</td>
-              <td
-                className={`${tdNum} font-semibold ${modelDiff > 0 ? 'text-app-savings-fg' : modelDiff < 0 ? 'text-fg-danger' : 'text-fg-muted'}`}
-              >
-                {formatDifference(modelDiff)}
-              </td>
+              {!isNativeAiCredits && (
+                <td
+                  className={`${tdNum} font-semibold ${modelDiff > 0 ? 'text-app-savings-fg' : modelDiff < 0 ? 'text-fg-danger' : 'text-fg-muted'}`}
+                >
+                  {formatDifference(modelDiff)}
+                </td>
+              )}
             </tr>
           )
         })}
diff --git a/src/components/ui/BillingProjectionDisclaimer.tsx b/src/components/ui/BillingProjectionDisclaimer.tsx
index 9cbae56..189838a 100644
--- a/src/components/ui/BillingProjectionDisclaimer.tsx
+++ b/src/components/ui/BillingProjectionDisclaimer.tsx
@@ -2,9 +2,10 @@ import { InfoIcon } from '@primer/octicons-react'
 
 type BillingProjectionDisclaimerProps = {
   className?: string
+  showDetails?: boolean
 }
 
-export function BillingProjectionDisclaimer({ className = '' }: BillingProjectionDisclaimerProps) {
+export function BillingProjectionDisclaimer({ className = '', showDetails = true }: BillingProjectionDisclaimerProps) {
   return (
     <div
       className={`flex items-start gap-[10px] rounded-md border border-border-accent/25 bg-bg-accent-muted px-4 py-3 text-sm text-fg-default ${className}`.trim()}
@@ -13,9 +14,13 @@ export function BillingProjectionDisclaimer({ className = '' }: BillingProjectio
       <InfoIcon size={16} className="fill-fg-accent shrink-0 mt-0.5" aria-hidden />
       <span>
         Estimated projection for illustrative purposes only. Actual usage may differ.
-        <br />
-        Charges are calculated from actual usage emissions processed by the billing platform, separate from the preview
-        data pipeline. Possible gaps are a reporting issue, not a billing issue.
+        {showDetails && (
+          <>
+            <br />
+            Charges are calculated from actual usage emissions processed by the billing platform, separate from the preview
+            data pipeline. Possible gaps are a reporting issue, not a billing issue.
+          </>
+        )}
       </span>
     </div>
   )
diff --git a/src/components/ui/BillingTotalsCards.test.ts b/src/components/ui/BillingTotalsCards.test.ts
new file mode 100644
index 0000000..86b30b2
--- /dev/null
+++ b/src/components/ui/BillingTotalsCards.test.ts
@@ -0,0 +1,63 @@
+import { createElement } from 'react'
+import { renderToStaticMarkup } from 'react-dom/server'
+import { describe, expect, it } from 'vitest'
+
+import { EXISTING_DISCOUNT_DISCLAIMER } from './ExistingDiscountDisclaimer'
+import { BillingTotalsCards } from './BillingTotalsCards'
+
+const BASE_PROPS = {
+  pruNetAmount: 0,
+  pruGrossAmount: 0,
+  pruDiscountAmount: 0,
+  pruQuantity: 0,
+  aicNetAmount: 0,
+  aicGrossAmount: 0.48,
+  aicDiscountAmount: 0.48,
+  aicQuantity: 48.173382,
+  licenseAmount: 486,
+  licenseSeatCounts: {
+    business: 1,
+    enterprise: 12,
+  },
+}
+
+describe('BillingTotalsCards', () => {
+  it('keeps the usage-based billing title and disclosures for native summer organization reports', () => {
+    const html = renderToStaticMarkup(createElement(BillingTotalsCards, {
+      ...BASE_PROPS,
+      reportMode: 'native-ai-credits',
+      showExistingDiscountDisclaimer: true,
+      showOrganizationPromotionalDataDisclaimer: true,
+    }))
+
+    expect(html).toContain('Usage-based billing (AICs)')
+    expect(html).toContain(EXISTING_DISCOUNT_DISCLAIMER)
+    expect(html).toContain('Promotional amounts are used in this simulation.')
+    expect(html).not.toContain('AI Credits usage')
+    expect(html).not.toContain('Current billing (PRUs)')
+  })
+
+  it('omits the organization promotional note for native standard-period reports', () => {
+    const html = renderToStaticMarkup(createElement(BillingTotalsCards, {
+      ...BASE_PROPS,
+      reportMode: 'native-ai-credits',
+      showExistingDiscountDisclaimer: true,
+      showOrganizationPromotionalDataDisclaimer: false,
+    }))
+
+    expect(html).toContain(EXISTING_DISCOUNT_DISCLAIMER)
+    expect(html).not.toContain('Promotional amounts are used in this simulation.')
+  })
+
+  it('formats included discount rows with a single explicit minus sign', () => {
+    const html = renderToStaticMarkup(createElement(BillingTotalsCards, {
+      ...BASE_PROPS,
+      pruDiscountAmount: -1,
+      aicDiscountAmount: -2.34,
+    }))
+
+    expect(html).toContain('−$1.00')
+    expect(html).toContain('−$2.34')
+    expect(html).not.toContain('−$-')
+  })
+})
diff --git a/src/components/ui/BillingTotalsCards.tsx b/src/components/ui/BillingTotalsCards.tsx
index 3a35ba6..1f4fb92 100644
--- a/src/components/ui/BillingTotalsCards.tsx
+++ b/src/components/ui/BillingTotalsCards.tsx
@@ -1,6 +1,7 @@
 import { appLinks } from '../../config/links'
 import type { IndividualPlanUpgradeRecommendation } from '../../utils/individualPlanUpgrade'
 import { formatAic, formatUsd } from '../../utils/format'
+import { isNativeAiCreditsMode, type ReportMode } from '../../utils/reportMode'
 import { ExistingDiscountDisclaimer } from './ExistingDiscountDisclaimer'
 import { PromotionalDataDisclaimer } from './PromotionalDataDisclaimer'
 
@@ -20,9 +21,11 @@ export type BillingTotalsCardsProps = {
   }
   showExistingDiscountDisclaimer?: boolean
   showPromotionalDataDisclaimer?: boolean
+  showOrganizationPromotionalDataDisclaimer?: boolean
   upgradeRecommendation?: IndividualPlanUpgradeRecommendation | null
   onAdjustSeatCounts?: () => void
   className?: string
+  reportMode?: ReportMode
 }
 
 export function BillingTotalsCards({
@@ -38,12 +41,15 @@ export function BillingTotalsCards({
   licenseSeatCounts,
   showExistingDiscountDisclaimer = false,
   showPromotionalDataDisclaimer = false,
+  showOrganizationPromotionalDataDisclaimer = showExistingDiscountDisclaimer,
   upgradeRecommendation = null,
   onAdjustSeatCounts,
   className = '',
+  reportMode = 'transition-period-billing-preview',
 }: BillingTotalsCardsProps) {
   const pruTotalAmount = pruNetAmount + (licenseAmount ?? 0)
   const aicTotalAmount = aicNetAmount + (licenseAmount ?? 0)
+  const isNativeAiCredits = isNativeAiCreditsMode(reportMode)
 
   return (
     <div className={`flex flex-col gap-3 ${className}`.trim()}>
@@ -65,46 +71,48 @@ export function BillingTotalsCards({
           )}
         </p>
       )}
-      <div className="grid grid-cols-1 sm:grid-cols-2 gap-4">
-        <div className="bg-bg-default border border-border-default rounded-md px-5 py-[28px] text-center">
-          <div className="text-[13px] font-medium text-fg-muted uppercase tracking-[0.5px] mb-3">Current billing (PRUs)</div>
-          <div className="text-4xl font-bold leading-[1.2] text-fg-default">{formatUsd(pruTotalAmount)}</div>
-          <div className="text-sm text-fg-default mt-[6px]">{pruQuantity.toLocaleString()} PRUs</div>
-          <div className="text-xs text-fg-muted mt-1">1 PRU = $0.04</div>
-          <div className="mt-4 pt-3 border-t border-border-default w-full flex flex-col gap-[6px] text-left">
-            <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
-              <span>Consumed PRUs</span>
-              <span>{formatUsd(pruGrossAmount)}</span>
-            </div>
-            <div className="flex justify-between items-center text-[13px] text-fg-muted tabular-nums">
-              <span>Included PRUs</span>
-              <span>−{formatUsd(pruDiscountAmount)}</span>
-            </div>
-            <div className="pt-[6px] border-t border-dotted border-border-muted flex flex-col gap-[6px]">
+      <div className={`grid grid-cols-1 ${isNativeAiCredits ? '' : 'sm:grid-cols-2'} gap-4`.trim()}>
+        {!isNativeAiCredits && (
+          <div className="bg-bg-default border border-border-default rounded-md px-5 py-[28px] text-center">
+            <div className="text-[13px] font-medium text-fg-muted uppercase tracking-[0.5px] mb-3">Current billing (PRUs)</div>
+            <div className="text-4xl font-bold leading-[1.2] text-fg-default">{formatUsd(pruTotalAmount)}</div>
+            <div className="text-sm text-fg-default mt-[6px]">{pruQuantity.toLocaleString()} PRUs</div>
+            <div className="text-xs text-fg-muted mt-1">1 PRU = $0.04</div>
+            <div className="mt-4 pt-3 border-t border-border-default w-full flex flex-col gap-[6px] text-left">
               <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
-                <span>Overages</span>
-                <span>{formatUsd(pruNetAmount)}</span>
+                <span>Consumed PRUs</span>
+                <span>{formatUsd(pruGrossAmount)}</span>
               </div>
-              {licenseAmount !== undefined && (
+              <div className="flex justify-between items-center text-[13px] text-fg-muted tabular-nums">
+                <span>Included PRUs</span>
+                <span>−{formatUsd(Math.abs(pruDiscountAmount))}</span>
+              </div>
+              <div className="pt-[6px] border-t border-dotted border-border-muted flex flex-col gap-[6px]">
                 <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
-                  <span>License cost</span>
-                  <span>{formatUsd(licenseAmount)}</span>
-                </div>
-              )}
-              {(licenseAmount !== undefined || showExistingDiscountDisclaimer) && (
-                <div className="pt-[6px] border-t border-border-default">
-                  {licenseAmount !== undefined && (
-                    <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums font-semibold">
-                      <span>Total (license + overages)</span>
-                      <span>{formatUsd(pruTotalAmount)}</span>
-                    </div>
-                  )}
-                  {showExistingDiscountDisclaimer && <ExistingDiscountDisclaimer />}
+                  <span>Overages</span>
+                  <span>{formatUsd(pruNetAmount)}</span>
                 </div>
-              )}
+                {licenseAmount !== undefined && (
+                  <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
+                    <span>License cost</span>
+                    <span>{formatUsd(licenseAmount)}</span>
+                  </div>
+                )}
+                {(licenseAmount !== undefined || showExistingDiscountDisclaimer) && (
+                  <div className="pt-[6px] border-t border-border-default">
+                    {licenseAmount !== undefined && (
+                      <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums font-semibold">
+                        <span>Total (license + overages)</span>
+                        <span>{formatUsd(pruTotalAmount)}</span>
+                      </div>
+                    )}
+                    {showExistingDiscountDisclaimer && <ExistingDiscountDisclaimer />}
+                  </div>
+                )}
+              </div>
             </div>
           </div>
-        </div>
+        )}
         <div className="bg-bg-default border border-border-default rounded-md px-5 py-[28px] text-center">
           <div className="text-[13px] font-medium text-fg-muted uppercase tracking-[0.5px] mb-3">Usage-based billing (AICs)</div>
           <div className="text-4xl font-bold leading-[1.2] text-app-savings-fg">{formatUsd(aicTotalAmount)}</div>
@@ -117,7 +125,7 @@ export function BillingTotalsCards({
             </div>
             <div className="flex justify-between items-center text-[13px] text-fg-muted tabular-nums">
               <span>Included AICs</span>
-              <span>−{formatUsd(aicDiscountAmount)}</span>
+              <span>−{formatUsd(Math.abs(aicDiscountAmount))}</span>
             </div>
             <div className="pt-[6px] border-t border-dotted border-border-muted flex flex-col gap-[6px]">
               <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
@@ -130,7 +138,7 @@ export function BillingTotalsCards({
                   <span>{formatUsd(licenseAmount)}</span>
                 </div>
               )}
-              {(licenseAmount !== undefined || showExistingDiscountDisclaimer || showPromotionalDataDisclaimer) && (
+              {(licenseAmount !== undefined || showExistingDiscountDisclaimer || showPromotionalDataDisclaimer || showOrganizationPromotionalDataDisclaimer) && (
                 <div className="pt-[6px] border-t border-border-default">
                   {licenseAmount !== undefined && (
                     <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums font-semibold">
@@ -138,12 +146,8 @@ export function BillingTotalsCards({
                       <span>{formatUsd(aicTotalAmount)}</span>
                     </div>
                   )}
-                  {showExistingDiscountDisclaimer && (
-                    <>
-                      <ExistingDiscountDisclaimer />
-                      <PromotionalDataDisclaimer scope="organization" />
-                    </>
-                  )}
+                  {showExistingDiscountDisclaimer && <ExistingDiscountDisclaimer />}
+                  {showOrganizationPromotionalDataDisclaimer && <PromotionalDataDisclaimer scope="organization" />}
                   {showPromotionalDataDisclaimer && <PromotionalDataDisclaimer />}
                 </div>
               )}
diff --git a/src/pipeline/aggregators/nativeUsageAggregation.test.ts b/src/pipeline/aggregators/nativeUsageAggregation.test.ts
index 87c8b7d..9bebfe1 100644
--- a/src/pipeline/aggregators/nativeUsageAggregation.test.ts
+++ b/src/pipeline/aggregators/nativeUsageAggregation.test.ts
@@ -65,7 +65,7 @@ function nativeRecords(): TokenUsageRecord[] {
       '250',
       '50',
       '200',
-      '7000',
+      '3900',
       'octodemo',
       'Cost Center B',
       '',
@@ -83,7 +83,7 @@ function nativeRecords(): TokenUsageRecord[] {
       '400',
       '75',
       '325',
-      '7000',
+      '3900',
       'example-org',
       'Cost Center A',
       '4000',
@@ -241,4 +241,56 @@ describe('native AI Credits direct aggregator usage', () => {
       aicNetAmount: 325,
     })
   })
+
+  it('preserves native Business and Enterprise quota identities for license classification', () => {
+    const result = aggregate([
+      nativeRecord([
+        '2026-06-01',
+        'test-business-user',
+        'copilot',
+        'copilot_ai_credit',
+        'Auto: GPT-5.3-Codex',
+        '5.447169000000001',
+        'ai-credits',
+        '0.01',
+        '0.054471689999999996',
+        '0.054471689999999996',
+        '0',
+        '1900',
+        'example-org',
+        '',
+        '5.447169000000001',
+        '0.05447169',
+      ]),
+      nativeRecord([
+        '2026-06-01',
+        'test-enterprise-user',
+        'copilot',
+        'copilot_ai_credit',
+        'Auto: Claude Haiku 4.5',
+        '42.726213',
+        'ai-credits',
+        '0.01',
+        '0.4272621300000001',
+        '0.4272621300000001',
+        '0',
+        '3900',
+        'example-org',
+        '',
+        '42.726213',
+        '0.4272621300000002',
+      ]),
+    ])
+
+    expect(result.users.users).toEqual([
+      expect.objectContaining({
+        username: 'test-business-user',
+        totalMonthlyQuota: 1900,
+      }),
+      expect.objectContaining({
+        username: 'test-enterprise-user',
+        totalMonthlyQuota: 3900,
+      }),
+    ])
+  })
 })
diff --git a/src/pipeline/aggregators/usageMetrics.test.ts b/src/pipeline/aggregators/usageMetrics.test.ts
index 20ad84d..bb24da3 100644
--- a/src/pipeline/aggregators/usageMetrics.test.ts
+++ b/src/pipeline/aggregators/usageMetrics.test.ts
@@ -73,9 +73,9 @@ describe('getAggregatorUsageMetrics', () => {
       gross_amount: 0.125,
       discount_amount: 0.025,
       net_amount: 0.1,
-      aic_quantity: 999,
-      aic_gross_amount: 999,
-      aic_net_amount: 999,
+      aic_quantity: 12.5,
+      aic_gross_amount: 0.125,
+      aic_net_amount: 0.1,
     })
 
     expect(getAggregatorUsageMetrics(record, 'native-ai-credits')).toEqual({
diff --git a/src/pipeline/aggregators/userUsageAggregator.ts b/src/pipeline/aggregators/userUsageAggregator.ts
index f12df51..3928e82 100644
--- a/src/pipeline/aggregators/userUsageAggregator.ts
+++ b/src/pipeline/aggregators/userUsageAggregator.ts
@@ -4,6 +4,11 @@ import { getDisplayModelName } from '../modelLabels'
 import { getFriendlyProductName } from '../productClassification'
 import { classifyUserSpendSegments, type UserSpendSegmentId } from '../../utils/userSpendSegments'
 import { selectKnownMonthlyQuota } from '../aicIncludedCredits'
+import {
+  NATIVE_AI_CREDITS_STANDARD_INCLUDED_CREDITS_POLICY,
+  TRANSITION_PERIOD_INCLUDED_CREDITS_POLICY,
+  type IncludedCreditsPolicy,
+} from '../includedCreditsPolicy'
 import type { ReportFormat, ReportFormatMetadata } from '../reportAdapters'
 import { getAggregatorReportFormat, getAggregatorUsageMetrics } from './usageMetrics'
 
@@ -152,9 +157,13 @@ function ensureProductModel(product: { models: Map<string, UserProductUsage> },
 export class UserUsageAggregator implements Aggregator<TokenUsageRecord, UserUsageResult, TokenUsageHeader> {
   private byUser = new Map<string, UserUsageInternal>()
   private readonly reportFormat: ReportFormat
+  private readonly quotaPolicy: IncludedCreditsPolicy
 
   constructor(reportMetadataOrFormat?: ReportFormat | ReportFormatMetadata) {
     this.reportFormat = getAggregatorReportFormat(reportMetadataOrFormat)
+    this.quotaPolicy = this.reportFormat === 'native-ai-credits'
+      ? NATIVE_AI_CREDITS_STANDARD_INCLUDED_CREDITS_POLICY
+      : TRANSITION_PERIOD_INCLUDED_CREDITS_POLICY
   }
 
   onHeader(): void {
@@ -175,7 +184,7 @@ export class UserUsageAggregator implements Aggregator<TokenUsageRecord, UserUsa
     if (!user) {
       user = {
         username,
-        totalMonthlyQuota: selectKnownMonthlyQuota(0, record.total_monthly_quota),
+        totalMonthlyQuota: selectKnownMonthlyQuota(0, record.total_monthly_quota, this.quotaPolicy),
         organizations: new Set(),
         costCenters: new Set(),
         daily: new Map(),
@@ -194,7 +203,7 @@ export class UserUsageAggregator implements Aggregator<TokenUsageRecord, UserUsa
       this.byUser.set(username, user)
     }
 
-    user.totalMonthlyQuota = selectKnownMonthlyQuota(user.totalMonthlyQuota, record.total_monthly_quota)
+    user.totalMonthlyQuota = selectKnownMonthlyQuota(user.totalMonthlyQuota, record.total_monthly_quota, this.quotaPolicy)
 
     const organization = record.organization.trim()
     if (organization) {
diff --git a/src/pipeline/aicIncludedCredits.test.ts b/src/pipeline/aicIncludedCredits.test.ts
index 41746ef..9e92aad 100644
--- a/src/pipeline/aicIncludedCredits.test.ts
+++ b/src/pipeline/aicIncludedCredits.test.ts
@@ -436,6 +436,23 @@ describe('AIC included credit tiering and pool sizing', () => {
     })
   })
 
+  it('uses native policy quotas and included credits for organization license summaries', () => {
+    const summary = calculateLicenseSummary([
+      { totalMonthlyQuota: 1900, organizations: ['example-org'], costCenters: [] },
+      { totalMonthlyQuota: 3900, organizations: ['example-org'], costCenters: ['Cost Center A'] },
+      { totalMonthlyQuota: 1000, organizations: ['example-org'], costCenters: ['Cost Center A'] },
+    ], NATIVE_AI_CREDITS_STANDARD_INCLUDED_CREDITS_POLICY)
+
+    expect(summary).toEqual({
+      rows: [
+        { label: 'Copilot Business', users: 1, includedAic: 1900 },
+        { label: 'Copilot Enterprise', users: 1, includedAic: 3900 },
+      ],
+      totalUsers: 2,
+      totalIncludedAic: 5800,
+    })
+  })
+
   it('summarizes a single-user report as an individual plan', () => {
     const summary = calculateLicenseSummary([{ totalMonthlyQuota: 1500 }])
 
diff --git a/src/pipeline/parser.ts b/src/pipeline/parser.ts
index 01b28ff..1e8e781 100644
--- a/src/pipeline/parser.ts
+++ b/src/pipeline/parser.ts
@@ -151,12 +151,15 @@ export class UnsupportedNativeAiCreditsReportError extends Error {
   }
 }
 
-export function validateHeader(header: TokenUsageHeader): void {
+export function validateBaseHeader(header: TokenUsageHeader): void {
   const missingBase = BASE_BILLING_COLUMNS.filter((col) => !(col in header.index))
   if (missingBase.length > 0) {
     throw new InvalidReportError()
   }
+}
 
+export function validateHeader(header: TokenUsageHeader): void {
+  validateBaseHeader(header)
   const missingAic = REQUIRED_AIC_COLUMNS.filter((col) => !(col in header.index))
   if (missingAic.length > 0) {
     throw new UnsupportedReportVersionError()
diff --git a/src/pipeline/reportAdapters.test.ts b/src/pipeline/reportAdapters.test.ts
index 5a48691..a0fece0 100644
--- a/src/pipeline/reportAdapters.test.ts
+++ b/src/pipeline/reportAdapters.test.ts
@@ -53,6 +53,23 @@ const HEADER_WITHOUT_EXCEEDS_QUOTA = [
   'aic_gross_amount',
 ].join(',')
 
+const NATIVE_AI_CREDITS_HEADER_WITHOUT_ALIASES = [
+  'date',
+  'username',
+  'product',
+  'sku',
+  'model',
+  'quantity',
+  'unit_type',
+  'applied_cost_per_quantity',
+  'gross_amount',
+  'discount_amount',
+  'net_amount',
+  'total_monthly_quota',
+  'organization',
+  'cost_center_name',
+].join(',')
+
 function buildRow(values: string[]): string {
   return values.join(',')
 }
@@ -211,6 +228,7 @@ describe('usage report adapters', () => {
       format: 'native-ai-credits',
       supported: false,
     })
+
     expect(() => adapter.validateFirstRecord(header, record)).toThrow(UnsupportedNativeAiCreditsReportError)
     expect(() => validateUsageReportFirstRecord(header, record)).toThrow(UnsupportedNativeAiCreditsReportError)
     expect(adapter.parseRecord(row, header)).toMatchObject({
@@ -225,6 +243,43 @@ describe('usage report adapters', () => {
     })
   })
 
+  it('detects native AI Credits reports when alias columns are absent', () => {
+    const header = parseTokenUsageHeader(NATIVE_AI_CREDITS_HEADER_WITHOUT_ALIASES)
+    const row = buildRow([
+      '2026-06-01',
+      'mona',
+      'copilot',
+      'copilot_ai_credit',
+      'Auto: Claude Haiku 4.5',
+      '42.726213',
+      'ai-credits',
+      '0.01',
+      '0.4272621300000001',
+      '0.4272621300000001',
+      '0',
+      '3900',
+      'example-org',
+      '',
+    ])
+    const record = parseTokenUsageRecord(row, header)
+    const adapter = selectUsageReportAdapter(header, record)
+
+    expect(() => validateUsageReportHeader(header)).not.toThrow()
+    expect(detectReportFormat(header, record)).toBe('native-ai-credits')
+    expect(adapter.metadata.format).toBe('native-ai-credits')
+    expect(() => validateUsageReportFirstRecord(header, record, { allowUnsupportedNativeAiCredits: true })).not.toThrow()
+    expect(adapter.parseRecord(row, header)).toMatchObject({
+      date: '2026-06-01',
+      quantity: 42.726213,
+      gross_amount: 0.4272621300000001,
+      discount_amount: 0.4272621300000001,
+      net_amount: 0,
+      aic_quantity: 42.726213,
+      aic_gross_amount: 0.4272621300000001,
+      aic_net_amount: 0,
+    })
+  })
+
   it('normalizes native AI Credits dates through the unsupported adapter parser hook', () => {
     const header = parseTokenUsageHeader(HEADER_WITHOUT_EXCEEDS_QUOTA)
     const row = buildRow([
diff --git a/src/pipeline/reportAdapters.ts b/src/pipeline/reportAdapters.ts
index 655594c..b61761a 100644
--- a/src/pipeline/reportAdapters.ts
+++ b/src/pipeline/reportAdapters.ts
@@ -3,6 +3,7 @@ import {
   hasNativeAiCreditsReportSignature,
   parseNativeAiCreditsUsageRecord,
   parseNormalizedTokenUsageRecord,
+  validateBaseHeader,
   validateHeader as validateTokenUsageHeader,
   validateSupportedReportRecord,
   type TokenUsageHeader,
@@ -52,7 +53,7 @@ const NATIVE_AI_CREDITS_REPORT_ADAPTER: UsageReportAdapter = {
     supported: false,
   },
   validateHeader(header) {
-    validateTokenUsageHeader(header)
+    validateBaseHeader(header)
   },
   validateFirstRecord() {
     throw new UnsupportedNativeAiCreditsReportError()
@@ -67,11 +68,22 @@ const REPORT_ADAPTERS: Record<ReportFormat, UsageReportAdapter> = {
   'native-ai-credits': NATIVE_AI_CREDITS_REPORT_ADAPTER,
 }
 
+function hasTransitionPeriodAicColumns(header: TokenUsageHeader): boolean {
+  return 'aic_quantity' in header.index && 'aic_gross_amount' in header.index
+}
+
 export function getDefaultSupportedUsageReportAdapter(): UsageReportAdapter {
   return TRANSITION_PERIOD_BILLING_PREVIEW_REPORT_ADAPTER
 }
 
 export function validateUsageReportHeader(header: TokenUsageHeader): UsageReportAdapter {
+  validateBaseHeader(header)
+
+  if (!('exceeds_quota' in header.index) && !hasTransitionPeriodAicColumns(header)) {
+    NATIVE_AI_CREDITS_REPORT_ADAPTER.validateHeader(header)
+    return NATIVE_AI_CREDITS_REPORT_ADAPTER
+  }
+
   const adapter = getDefaultSupportedUsageReportAdapter()
   adapter.validateHeader(header)
   return adapter
diff --git a/src/pipeline/reportUsageMetrics.test.ts b/src/pipeline/reportUsageMetrics.test.ts
index cda2e9b..a8c3009 100644
--- a/src/pipeline/reportUsageMetrics.test.ts
+++ b/src/pipeline/reportUsageMetrics.test.ts
@@ -212,7 +212,7 @@ describe('getReportUsageMetrics', () => {
     })
   })
 
-  it('matches native parsing helper alias fallback behavior when alias columns are blank', () => {
+  it('uses native-normalized AIC fields so included-credit allocation changes are reflected', () => {
     const header = parseTokenUsageHeader(NATIVE_AI_CREDITS_HEADER)
     const row = buildRow([
       '5/29/26',
@@ -232,11 +232,16 @@ describe('getReportUsageMetrics', () => {
       '',
       '',
     ])
-    const rawRecord = parseTokenUsageRecord(row, header)
     const nativeRecord = parseNativeAiCreditsUsageRecord(row, header)
+    nativeRecord.aic_net_amount = 0.02
 
-    expect(getReportUsageMetrics(rawRecord, 'native-ai-credits')).toMatchObject({
-      aiCredits: getReportUsageMetrics(nativeRecord, 'native-ai-credits').aiCredits,
+    expect(getReportUsageMetrics(nativeRecord, 'native-ai-credits')).toMatchObject({
+      aiCredits: {
+        quantity: 12.5,
+        grossAmount: 0.125,
+        discountAmount: 0.105,
+        netAmount: 0.02,
+      },
       transitionPeriodComparison: null,
     })
   })
diff --git a/src/pipeline/reportUsageMetrics.ts b/src/pipeline/reportUsageMetrics.ts
index 2768766..4ecaf4d 100644
--- a/src/pipeline/reportUsageMetrics.ts
+++ b/src/pipeline/reportUsageMetrics.ts
@@ -46,12 +46,16 @@ function getTransitionPeriodReportUsageMetrics(record: TokenUsageRecord): Report
 }
 
 function getNativeAiCreditsReportUsageMetrics(record: TokenUsageRecord): ReportUsageMetrics {
+  const quantity = record.aic_quantity
+  const grossAmount = record.aic_gross_amount
+  const netAmount = record.aic_net_amount
+
   return {
     aiCredits: {
-      quantity: record.quantity,
-      grossAmount: record.gross_amount,
-      discountAmount: record.discount_amount,
-      netAmount: record.net_amount,
+      quantity,
+      grossAmount,
+      discountAmount: grossAmount - netAmount,
+      netAmount,
     },
     transitionPeriodComparison: null,
   }
diff --git a/src/pipeline/runPipeline.test.ts b/src/pipeline/runPipeline.test.ts
index 6c9a5b9..d83faee 100644
--- a/src/pipeline/runPipeline.test.ts
+++ b/src/pipeline/runPipeline.test.ts
@@ -51,6 +51,23 @@ const NATIVE_AI_CREDITS_HEADER = [
   'aic_gross_amount',
 ].join(',')
 
+const NATIVE_AI_CREDITS_HEADER_WITHOUT_ALIASES = [
+  'date',
+  'username',
+  'product',
+  'sku',
+  'model',
+  'quantity',
+  'unit_type',
+  'applied_cost_per_quantity',
+  'gross_amount',
+  'discount_amount',
+  'net_amount',
+  'total_monthly_quota',
+  'organization',
+  'cost_center_name',
+].join(',')
+
 const TRANSITION_PERIOD_REPORT_METADATA = {
   format: 'transition-period-billing-preview',
   label: 'Transition Period Billing Preview report',
@@ -271,7 +288,7 @@ describe('runPipeline', () => {
         netAmount: 0,
         aicQuantity: 35,
         aicGrossAmount: 350,
-        aicNetAmount: 280,
+        aicNetAmount: 0,
       }),
     ])
     expect(users.result().users).toEqual([
@@ -284,7 +301,7 @@ describe('runPipeline', () => {
           netAmount: 0,
           aicQuantity: 25,
           aicGrossAmount: 250,
-          aicNetAmount: 200,
+          aicNetAmount: 0,
         }),
       }),
       expect.objectContaining({
@@ -296,12 +313,193 @@ describe('runPipeline', () => {
           netAmount: 0,
           aicQuantity: 10,
           aicGrossAmount: 100,
-          aicNetAmount: 80,
+          aicNetAmount: 0,
         }),
       }),
     ])
   })
 
+  it('aggregates native quantity and gross amount columns when alias columns disagree', async () => {
+    const file = createCsv([
+      [
+        '2026-06-01',
+        'mona',
+        'copilot',
+        'copilot_ai_credit',
+        'Auto: Claude Haiku 4.5',
+        '42.726213',
+        'ai-credits',
+        '0.01',
+        '0.4272621300000001',
+        '0.4272621300000001',
+        '0',
+        '3900',
+        'example-org',
+        '',
+        '999',
+        '999',
+      ],
+      [
+        '2026-09-01',
+        'hubot',
+        'copilot',
+        'copilot_ai_credit',
+        'Auto: GPT-5.3-Codex',
+        '5.447169000000001',
+        'ai-credits',
+        '0.01',
+        '0.054471689999999996',
+        '0',
+        '0.054471689999999996',
+        '1900',
+        'example-org',
+        '',
+        '888',
+        '888',
+      ],
+    ], NATIVE_AI_CREDITS_HEADER)
+    let daily!: DailyUsageAggregator
+
+    await runPipeline(file, (reportMetadata) => {
+      daily = new DailyUsageAggregator(reportMetadata)
+      return [daily]
+    }, {
+      enableNativeAiCreditsProcessing: true,
+    })
+
+    expect(daily.result().dailyData).toEqual([
+      expect.objectContaining({
+        date: '2026-06-01',
+        requests: 0,
+        grossAmount: 0,
+        discountAmount: 0,
+        netAmount: 0,
+        aicQuantity: 42.726213,
+        aicGrossAmount: 0.4272621300000001,
+        aicNetAmount: 0,
+      }),
+      expect.objectContaining({
+        date: '2026-09-01',
+        requests: 0,
+        grossAmount: 0,
+        discountAmount: 0,
+        netAmount: 0,
+        aicQuantity: 5.447169000000001,
+        aicGrossAmount: 0.054471689999999996,
+        aicNetAmount: 0,
+      }),
+    ])
+  })
+
+  it('processes native rows when alias columns are absent', async () => {
+    const file = createCsv([
+      [
+        '2026-06-01',
+        'mona',
+        'copilot',
+        'copilot_ai_credit',
+        'Auto: Claude Haiku 4.5',
+        '42.726213',
+        'ai-credits',
+        '0.01',
+        '0.4272621300000001',
+        '0.4272621300000001',
+        '0',
+        '3900',
+        'example-org',
+        '',
+      ],
+      [
+        '2026-09-01',
+        'hubot',
+        'copilot',
+        'copilot_ai_credit',
+        'Auto: GPT-5.3-Codex',
+        '5.447169000000001',
+        'ai-credits',
+        '0.01',
+        '0.054471689999999996',
+        '0',
+        '0.054471689999999996',
+        '1900',
+        'example-org',
+        '',
+      ],
+    ], NATIVE_AI_CREDITS_HEADER_WITHOUT_ALIASES)
+    let daily!: DailyUsageAggregator
+
+    const result = await runPipeline(file, (reportMetadata) => {
+      daily = new DailyUsageAggregator(reportMetadata)
+      return [daily]
+    }, {
+      enableNativeAiCreditsProcessing: true,
+    })
+
+    expect(result.reportMetadata).toEqual(NATIVE_AI_CREDITS_REPORT_METADATA)
+    expect(daily.result().dailyData).toEqual([
+      expect.objectContaining({
+        date: '2026-06-01',
+        aicQuantity: 42.726213,
+        aicGrossAmount: 0.4272621300000001,
+        aicNetAmount: 0,
+      }),
+      expect.objectContaining({
+        date: '2026-09-01',
+        aicQuantity: 5.447169000000001,
+        aicGrossAmount: 0.054471689999999996,
+        aicNetAmount: 0,
+      }),
+    ])
+  })
+
+  it('constructs aggregators after native report metadata is detected', async () => {
+    const file = createCsv([
+      [
+        '5/29/26',
+        'mona',
+        'copilot',
+        'copilot_ai_credit',
+        'GPT-5.2',
+        '10',
+        'ai-credits',
+        '0.01',
+        '100',
+        '20',
+        '80',
+        '3900',
+        'example-org',
+        'Cost Center A',
+        '999',
+        '999',
+      ],
+    ], NATIVE_AI_CREDITS_HEADER)
+    let daily!: DailyUsageAggregator
+    let factoryMetadata: unknown = null
+
+    const result = await runPipeline(file, (reportMetadata) => {
+      factoryMetadata = reportMetadata
+      daily = new DailyUsageAggregator(reportMetadata)
+      return [daily]
+    }, {
+      enableNativeAiCreditsProcessing: true,
+    })
+
+    expect(factoryMetadata).toEqual(NATIVE_AI_CREDITS_REPORT_METADATA)
+    expect(result.reportMetadata).toEqual(NATIVE_AI_CREDITS_REPORT_METADATA)
+    expect(daily.result().dailyData).toEqual([
+      expect.objectContaining({
+        date: '2026-05-29',
+        requests: 0,
+        grossAmount: 0,
+        discountAmount: 0,
+        netAmount: 0,
+        aicQuantity: 10,
+        aicGrossAmount: 100,
+        aicNetAmount: 0,
+      }),
+    ])
+  })
+
   it('selects native summer and September included-credit policies for flagged native reports', async () => {
     const createNativePolicyCsv = (date: string) => createCsv([
       [
diff --git a/src/pipeline/runPipeline.ts b/src/pipeline/runPipeline.ts
index d334318..2b43230 100644
--- a/src/pipeline/runPipeline.ts
+++ b/src/pipeline/runPipeline.ts
@@ -63,6 +63,10 @@ export interface PipelineResult {
   processedRowCount: number
 }
 
+export type PipelineAggregators =
+  | Aggregator<TokenUsageRecord, unknown, TokenUsageHeader>[]
+  | ((reportMetadata: ReportFormatMetadata) => Aggregator<TokenUsageRecord, unknown, TokenUsageHeader>[])
+
 const ANALYSIS_PROGRESS_WEIGHT = 0.4
 const MIN_PROGRESS_INCREMENT_PERCENT = 1
 const MIN_PROGRESS_EMIT_INTERVAL_MS = 80
@@ -88,7 +92,7 @@ function getNow(): number {
 
 export async function runPipeline(
   file: File,
-  aggregators: Aggregator<TokenUsageRecord, unknown, TokenUsageHeader>[],
+  aggregatorsOrFactory: PipelineAggregators,
   options?: PipelineOptions,
 ): Promise<PipelineResult> {
   const {
@@ -101,6 +105,9 @@ export async function runPipeline(
     allowUnsupportedNativeAiCredits: enableNativeAiCreditsProcessing,
   })
   const reportMetadata = reportAdapter.metadata
+  const aggregators = typeof aggregatorsOrFactory === 'function'
+    ? aggregatorsOrFactory(reportMetadata)
+    : aggregatorsOrFactory
   let lastProgressStage: PipelineProgress['stage'] | null = null
   let lastProgressPercent = -1
   let lastProgressTimestamp = 0
diff --git a/src/utils/reportMode.ts b/src/utils/reportMode.ts
new file mode 100644
index 0000000..ba332f7
--- /dev/null
+++ b/src/utils/reportMode.ts
@@ -0,0 +1,11 @@
+import type { ReportFormat, ReportFormatMetadata } from '../pipeline/reportAdapters'
+
+export type ReportMode = ReportFormat
+
+export function getReportMode(reportMetadata: ReportFormatMetadata | null | undefined): ReportMode {
+  return reportMetadata?.format ?? 'transition-period-billing-preview'
+}
+
+export function isNativeAiCreditsMode(reportMode: ReportMode): boolean {
+  return reportMode === 'native-ai-credits'
+}
diff --git a/src/views/CostCentersView.tsx b/src/views/CostCentersView.tsx
index eab02a5..9a3adf8 100644
--- a/src/views/CostCentersView.tsx
+++ b/src/views/CostCentersView.tsx
@@ -1,11 +1,12 @@
 import { useCallback, useMemo, useState } from 'react'
 import type { ChangeEvent } from 'react'
-import { BillingProjectionDisclaimer, ExistingDiscountDisclaimer } from '../components/ui'
+import { BillingProjectionDisclaimer, BillingTotalsCards } from '../components/ui'
 import { th, thNum, td, tdNum } from '../components/ui/tableStyles'
 import { appLinks } from '../config/links'
 import type { CostCenterResult, CostCenterUserTotals, CostTotals } from '../pipeline/aggregators/costCenterAggregator'
 import { calculateAicDiscountAmount, calculateSavingsDifference } from '../utils/billingComparison'
 import { formatAic, formatDifference, formatUsd } from '../utils/format'
+import { isNativeAiCreditsMode, type ReportMode } from '../utils/reportMode'
 
 const MAX_DETAIL_ROWS = 20
 
@@ -31,9 +32,20 @@ function getTopRows(entries: [string, CostTotals | CostCenterUserTotals][]): Cos
     })
 }
 
-export function CostCentersView({ data, rangeStart }: { data: CostCenterResult; rangeStart?: string | null }) {
+export function CostCentersView({
+  data,
+  rangeStart,
+  reportMode = 'transition-period-billing-preview',
+  showOrganizationPromotionalDataDisclaimer = true,
+}: {
+  data: CostCenterResult
+  rangeStart?: string | null
+  reportMode?: ReportMode
+  showOrganizationPromotionalDataDisclaimer?: boolean
+}) {
   const [selected, setSelected] = useState<string>(data.costCenters[0]?.costCenterName ?? '')
   const [activeTable, setActiveTable] = useState<'users' | 'models'>('users')
+  const isNativeAiCredits = isNativeAiCreditsMode(reportMode)
 
   const handleSelectChange = useCallback((event: ChangeEvent<HTMLSelectElement>) => {
     setSelected(event.target.value)
@@ -106,7 +118,7 @@ export function CostCentersView({ data, rangeStart }: { data: CostCenterResult;
 
       {selectedCostCenter && totals && (
         <>
-          {hasCosts && periodLabel && (
+          {!isNativeAiCredits && hasCosts && periodLabel && (
             <p className="text-base font-normal text-center mb-1 text-fg-default">
               {savings > 0 ? (
                 <>
@@ -126,59 +138,31 @@ export function CostCentersView({ data, rangeStart }: { data: CostCenterResult;
             </p>
           )}
 
-          <div className="grid grid-cols-1 sm:grid-cols-2 gap-4 mb-3">
-            <div className="bg-bg-default border border-border-default rounded-md text-center py-7 px-5">
-              <div className="text-[13px] font-medium text-fg-muted uppercase tracking-[0.5px] mb-3">Current billing (PRUs)</div>
-              <div className="text-4xl font-bold leading-[1.2] text-fg-default">{formatUsd(totals.netAmount)}</div>
-              <div className="text-sm text-fg-default mt-1.5">{totals.requests.toLocaleString()} PRUs</div>
-              <div className="text-xs text-fg-muted mt-1">1 PRU = $0.04</div>
-              <div className="mt-4 pt-3 border-t border-border-default w-full flex flex-col gap-1.5 text-left">
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
-                  <span>Consumed PRUs</span>
-                  <span>{formatUsd(totals.grossAmount)}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-muted tabular-nums">
-                  <span>Included PRUs</span>
-                  <span>−{formatUsd(totals.discountAmount)}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums pt-1.5 border-t border-border-default font-semibold">
-                  <span>Overages</span>
-                  <span>{formatUsd(totals.netAmount)}</span>
-                </div>
-                <ExistingDiscountDisclaimer />
-              </div>
-            </div>
-            <div className="bg-bg-default border border-border-default rounded-md text-center py-7 px-5">
-              <div className="text-[13px] font-medium text-fg-muted uppercase tracking-[0.5px] mb-3">Usage-based billing (AICs)</div>
-              <div className="text-4xl font-bold leading-[1.2] text-app-savings-fg">{formatUsd(totals.aicNetAmount)}</div>
-              <div className="text-sm text-fg-default mt-1.5">{formatAic(totals.aicQuantity)} AICs</div>
-              <div className="text-xs text-fg-muted mt-1">1 AIC = $0.01</div>
-              <div className="mt-4 pt-3 border-t border-border-default w-full flex flex-col gap-1.5 text-left">
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
-                  <span>Consumed AICs</span>
-                  <span>{formatUsd(totals.aicGrossAmount)}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-muted tabular-nums">
-                  <span>Included AICs</span>
-                  <span>−{formatUsd(Math.abs(aicDiscountAmount))}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums pt-1.5 border-t border-border-default font-semibold">
-                  <span>Additional usage</span>
-                  <span>{formatUsd(totals.aicNetAmount)}</span>
-                </div>
-                <ExistingDiscountDisclaimer />
-              </div>
-            </div>
-          </div>
-          <BillingProjectionDisclaimer className="mb-6" />
+          <BillingTotalsCards
+            pruNetAmount={totals.netAmount}
+            pruGrossAmount={totals.grossAmount}
+            pruDiscountAmount={totals.discountAmount}
+            pruQuantity={totals.requests}
+            aicNetAmount={totals.aicNetAmount}
+            aicGrossAmount={totals.aicGrossAmount}
+            aicDiscountAmount={Math.abs(aicDiscountAmount)}
+            aicQuantity={totals.aicQuantity}
+            showExistingDiscountDisclaimer
+            showOrganizationPromotionalDataDisclaimer={showOrganizationPromotionalDataDisclaimer}
+            reportMode={reportMode}
+            className="mb-3"
+          />
+          {!isNativeAiCredits && <BillingProjectionDisclaimer className="mb-6" />}
         </>
       )}
 
       <div className="bg-bg-default border border-border-default rounded-md py-5 px-6 mt-6 flex flex-col gap-3 sm:flex-row sm:items-center sm:gap-5">
         <div className="flex-1 flex flex-col gap-1">
-          <strong className="text-sm font-semibold text-fg-default">Pooled included credits are coming</strong>
+          <strong className="text-sm font-semibold text-fg-default">{isNativeAiCredits ? 'Included AI Credits pool' : 'Pooled included credits are coming'}</strong>
           <p className="m-0 text-[13px] text-fg-muted leading-normal">
-            Under usage-based billing, included credits will be pooled across all licensed users in your account. No more unused capacity going to waste from idle users.
+            {isNativeAiCredits
+              ? 'Included credits are pooled across all licensed users in your account.'
+              : 'Under usage-based billing, included credits will be pooled across all licensed users in your account. No more unused capacity going to waste from idle users.'}
           </p>
         </div>
         <a
@@ -223,11 +207,11 @@ export function CostCentersView({ data, rangeStart }: { data: CostCenterResult;
               <thead>
                 <tr>
                   <th className={th}>{activeTable === 'users' ? 'User' : 'Model'}</th>
-                  <th className={thNum}>PRUs</th>
-                  <th className={thNum}>PRU Cost</th>
+                  {!isNativeAiCredits && <th className={thNum}>PRUs</th>}
+                  {!isNativeAiCredits && <th className={thNum}>PRU Cost</th>}
                   <th className={thNum}>AICs</th>
                   <th className={thNum}>AIC Cost</th>
-                  <th className={thNum}>Difference</th>
+                  {!isNativeAiCredits && <th className={thNum}>Difference</th>}
                 </tr>
               </thead>
               <tbody>
@@ -236,13 +220,15 @@ export function CostCentersView({ data, rangeStart }: { data: CostCenterResult;
                   return (
                     <tr key={row.label}>
                       <td className={`${td} font-semibold text-fg-default`}>{row.label}</td>
-                      <td className={tdNum}>{row.totals.requests.toLocaleString()}</td>
-                      <td className={tdNum}>{formatUsd(row.totals.netAmount)}</td>
+                      {!isNativeAiCredits && <td className={tdNum}>{row.totals.requests.toLocaleString()}</td>}
+                      {!isNativeAiCredits && <td className={tdNum}>{formatUsd(row.totals.netAmount)}</td>}
                       <td className={tdNum}>{formatAic(row.totals.aicQuantity)}</td>
                       <td className={tdNum}>{formatUsd(row.totals.aicNetAmount)}</td>
-                      <td className={`${tdNum}${diff > 0 ? ' text-app-savings-fg font-semibold' : diff < 0 ? ' text-fg-danger font-semibold' : ''}`}>
-                        {formatDifference(diff)}
-                      </td>
+                      {!isNativeAiCredits && (
+                        <td className={`${tdNum}${diff > 0 ? ' text-app-savings-fg font-semibold' : diff < 0 ? ' text-fg-danger font-semibold' : ''}`}>
+                          {formatDifference(diff)}
+                        </td>
+                      )}
                     </tr>
                   )
                 })}
diff --git a/src/views/CostManagementView.tsx b/src/views/CostManagementView.tsx
index b69f2e1..1f312d1 100644
--- a/src/views/CostManagementView.tsx
+++ b/src/views/CostManagementView.tsx
@@ -8,6 +8,7 @@ import type { BudgetField, BudgetValues } from '../utils/costManagementBudgets'
 import type { DailyUsageData } from '../pipeline/aggregators/dailyUsageAggregator'
 import { formatAic, formatUsd } from '../utils/format'
 import type { IndividualPlanUpgradeRecommendation } from '../utils/individualPlanUpgrade'
+import { isNativeAiCreditsMode, type ReportMode } from '../utils/reportMode'
 import { th, thNum, td, tdNum } from '../components/ui/tableStyles'
 
 type CostManagementViewProps = {
@@ -34,6 +35,8 @@ type CostManagementViewProps = {
   isApplyingBudgetSimulation: boolean
   onBudgetValueChange: (field: BudgetField, value: string) => void
   onApplyBudgetSimulation: () => void
+  reportMode?: ReportMode
+  showOrganizationPromotionalDataDisclaimer?: boolean
 }
 
 const ACCOUNT_BUDGET_FIELD: { field: BudgetField; label: string; description: string } = {
@@ -146,7 +149,10 @@ export function CostManagementView({
   isApplyingBudgetSimulation,
   onBudgetValueChange,
   onApplyBudgetSimulation,
+  reportMode = 'transition-period-billing-preview',
+  showOrganizationPromotionalDataDisclaimer = true,
 }: CostManagementViewProps) {
+  const isNativeAiCredits = isNativeAiCreditsMode(reportMode)
   const visibleAccountBudgetFields = isIndividualReport ? INDIVIDUAL_BUDGET_FIELDS : [ACCOUNT_BUDGET_FIELD]
   const hasVisibleBudgetValue = visibleAccountBudgetFields.some(({ field }) => budgetValues[field].trim() !== '')
     || (!isIndividualReport && USER_BUDGET_FIELDS.some(({ field }) => budgetValues[field].trim() !== ''))
@@ -213,6 +219,39 @@ export function CostManagementView({
     licenseAmount,
   ])
 
+  if (isNativeAiCredits) {
+    return (
+      <section className="flex flex-col gap-6" aria-label="Cost management">
+        <div className="flex flex-col gap-1">
+          <h2 className="m-0 text-lg text-fg-default">Cost management</h2>
+          <p className="m-0 text-[13px] text-fg-muted">Budget simulation is not available for usage-based billing reports yet.</p>
+        </div>
+
+        <BillingTotalsCards
+          pruNetAmount={currentPruBill}
+          pruGrossAmount={currentPruGrossAmount}
+          pruDiscountAmount={currentPruDiscountAmount}
+          pruQuantity={currentPruQuantity}
+          aicNetAmount={currentAicBill}
+          aicGrossAmount={currentAicGrossAmount}
+          aicDiscountAmount={currentAicDiscountAmount}
+          aicQuantity={currentAicQuantity}
+          licenseAmount={licenseAmount}
+          licenseSeatCounts={licenseSeatCounts}
+          showExistingDiscountDisclaimer={!isIndividualReport}
+          showPromotionalDataDisclaimer={isIndividualReport}
+          showOrganizationPromotionalDataDisclaimer={!isIndividualReport && showOrganizationPromotionalDataDisclaimer}
+          upgradeRecommendation={upgradeRecommendation}
+          reportMode={reportMode}
+        />
+
+        <div className="bg-bg-default border border-border-default rounded-md px-5 py-5 text-sm text-fg-muted leading-normal">
+          Usage-based billing reports already contain AI Credits quantities and costs. Budget controls will be enabled after the simulator can process usage-based billing rows directly.
+        </div>
+      </section>
+    )
+  }
+
   return (
     <section className="flex flex-col gap-6" aria-label="Cost management">
       <div className="flex flex-col gap-1">
@@ -233,7 +272,9 @@ export function CostManagementView({
         licenseSeatCounts={licenseSeatCounts}
         showExistingDiscountDisclaimer={!isIndividualReport}
         showPromotionalDataDisclaimer={isIndividualReport}
+        showOrganizationPromotionalDataDisclaimer={!isIndividualReport && showOrganizationPromotionalDataDisclaimer}
         upgradeRecommendation={upgradeRecommendation}
+        reportMode={reportMode}
       />
 
       <div className="grid grid-cols-1 gap-4">
diff --git a/src/views/ModelsView.tsx b/src/views/ModelsView.tsx
index 2254f5e..b7071e3 100644
--- a/src/views/ModelsView.tsx
+++ b/src/views/ModelsView.tsx
@@ -2,11 +2,12 @@ import { useState, useMemo } from 'react'
 import { InfoIcon } from '@primer/octicons-react'
 import type { ModelUsageResult, ModelDailyUsageData, ModelUsageTotals } from '../pipeline/aggregators/modelUsageAggregator'
 import { DualAxisLineChart, MultiSeriesStackedBarChart } from '../components'
-import { BillingProjectionDisclaimer, ExistingDiscountDisclaimer, PromotionalDataDisclaimer } from '../components/ui'
+import { BillingProjectionDisclaimer, BillingTotalsCards } from '../components/ui'
 import { th, thNum, td, tdNum } from '../components/ui/tableStyles'
 import { calculateAicDiscountAmount, calculateSavingsDifference } from '../utils/billingComparison'
 import { fillDataForRange } from '../utils/fillDataForRange'
 import { formatAic, formatUsd } from '../utils/format'
+import { isNativeAiCreditsMode, type ReportMode } from '../utils/reportMode'
 
 function createEmptyModelDailyUsage(date: string): ModelDailyUsageData {
   return {
@@ -26,6 +27,8 @@ type ModelsViewProps = {
   isIndividualReport: boolean
   rangeStart: string | null
   rangeEnd: string | null
+  reportMode?: ReportMode
+  showOrganizationPromotionalDataDisclaimer?: boolean
 }
 
 type ModelDriverRow = {
@@ -81,8 +84,16 @@ function getModelDriverSummary(modelUsage: ModelUsageResult): ModelDriverSummary
   }
 }
 
-export function ModelsView({ modelUsage, isIndividualReport, rangeStart, rangeEnd }: ModelsViewProps) {
+export function ModelsView({
+  modelUsage,
+  isIndividualReport,
+  rangeStart,
+  rangeEnd,
+  reportMode = 'transition-period-billing-preview',
+  showOrganizationPromotionalDataDisclaimer = true,
+}: ModelsViewProps) {
   const [selectedModel, setSelectedModel] = useState<string>(modelUsage.models[0] ?? '')
+  const isNativeAiCredits = isNativeAiCreditsMode(reportMode)
 
   const modelDriverSummary = useMemo(
     () => getModelDriverSummary(modelUsage),
@@ -122,7 +133,6 @@ export function ModelsView({ modelUsage, isIndividualReport, rangeStart, rangeEn
   const periodLabel = rangeStart
     ? new Date(rangeStart + 'T00:00:00').toLocaleString('en-US', { month: 'long', year: 'numeric' })
     : null
-  const showExistingDiscountDisclaimer = !isIndividualReport
 
   return (
     <section className="flex flex-col gap-3" aria-label="Models">
@@ -189,7 +199,7 @@ export function ModelsView({ modelUsage, isIndividualReport, rangeStart, rangeEn
         const savings = calculateSavingsDifference(selectedModelTotals.netAmount, selectedModelAicNetAmount)
         return (
           <>
-            {periodLabel && (
+            {!isNativeAiCredits && periodLabel && (
               <p className="text-base font-normal text-center mb-1 text-fg-default">
                 {savings > 0 ? (
                   <><strong>{selectedModel}</strong>'s <strong>{periodLabel}</strong> usage would cost{' '}<strong>{formatUsd(savings)} less</strong> under usage-based billing</>
@@ -201,120 +211,96 @@ export function ModelsView({ modelUsage, isIndividualReport, rangeStart, rangeEn
               </p>
             )}
 
-            <div className="grid grid-cols-1 sm:grid-cols-2 gap-4 mb-3">
-              <div className="bg-bg-default border border-border-default rounded-md px-5 py-4 text-center py-7">
-                <div className="text-[13px] font-medium text-fg-muted uppercase tracking-wide mb-3">Current billing (PRUs)</div>
-                <div className="text-4xl font-bold leading-tight text-fg-default">{formatUsd(selectedModelTotals.netAmount)}</div>
-                <div className="text-sm text-fg-default mt-1.5">{selectedModelTotals.requests.toLocaleString()} PRUs</div>
-                <div className="text-xs text-fg-muted mt-1">1 PRU = $0.04</div>
-                <div className="mt-4 pt-3 border-t border-border-default w-full flex flex-col gap-1.5 text-left">
-                  <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
-                    <span>Consumed PRUs</span>
-                    <span>{formatUsd(selectedModelTotals.grossAmount)}</span>
-                  </div>
-                  <div className="flex justify-between items-center text-[13px] text-fg-muted tabular-nums">
-                    <span>Included PRUs</span>
-                    <span>−{formatUsd(selectedModelTotals.discountAmount)}</span>
-                  </div>
-                  <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums pt-1.5 border-t border-border-default font-semibold">
-                    <span>Overages</span>
-                    <span>{formatUsd(selectedModelTotals.netAmount)}</span>
-                  </div>
-                  {showExistingDiscountDisclaimer && <ExistingDiscountDisclaimer />}
-                </div>
-              </div>
-              <div className="bg-bg-default border border-border-default rounded-md px-5 py-4 text-center py-7">
-                <div className="text-[13px] font-medium text-fg-muted uppercase tracking-wide mb-3">Usage-based billing (AICs)</div>
-                <div className="text-4xl font-bold leading-tight text-app-savings-fg">{formatUsd(selectedModelAicNetAmount)}</div>
-                <div className="text-sm text-fg-default mt-1.5">{formatAic(selectedModelTotals.aicQuantity)} AICs</div>
-                <div className="text-xs text-fg-muted mt-1">1 AIC = $0.01</div>
-                <div className="mt-4 pt-3 border-t border-border-default w-full flex flex-col gap-1.5 text-left">
-                  <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
-                    <span>Consumed AICs</span>
-                    <span>{formatUsd(selectedModelTotals.aicGrossAmount)}</span>
-                  </div>
-                  <div className="flex justify-between items-center text-[13px] text-fg-muted tabular-nums">
-                    <span>Included AICs</span>
-                    <span>−{formatUsd(selectedModelAicDiscount)}</span>
-                  </div>
-                  <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums pt-1.5 border-t border-border-default font-semibold">
-                    <span>Additional usage</span>
-                    <span>{formatUsd(selectedModelAicNetAmount)}</span>
-                  </div>
-                  {showExistingDiscountDisclaimer ? <ExistingDiscountDisclaimer /> : <PromotionalDataDisclaimer />}
-                </div>
-              </div>
-            </div>
-            <BillingProjectionDisclaimer className="mb-6" />
+            <BillingTotalsCards
+              pruNetAmount={selectedModelTotals.netAmount}
+              pruGrossAmount={selectedModelTotals.grossAmount}
+              pruDiscountAmount={selectedModelTotals.discountAmount}
+              pruQuantity={selectedModelTotals.requests}
+              aicNetAmount={selectedModelAicNetAmount}
+              aicGrossAmount={selectedModelTotals.aicGrossAmount}
+              aicDiscountAmount={selectedModelAicDiscount}
+              aicQuantity={selectedModelTotals.aicQuantity}
+              showExistingDiscountDisclaimer={!isIndividualReport}
+              showPromotionalDataDisclaimer={isIndividualReport}
+              showOrganizationPromotionalDataDisclaimer={!isIndividualReport && showOrganizationPromotionalDataDisclaimer}
+              reportMode={reportMode}
+              className="mb-3"
+            />
+            {!isNativeAiCredits && <BillingProjectionDisclaimer className="mb-6" />}
           </>
         )
       })()}
 
       {selectedModel && filledPerModelDailyData.length > 0 && (
         <div className="grid grid-cols-1 gap-6 w-full">
-          <div className="flex flex-col gap-[10px]">
-            <MultiSeriesStackedBarChart
-              title={`Daily average AICs per PRU (${selectedModel})`}
-              labels={dailyAverageAicPerRequest.map((day) => day.date)}
-              series={[
-                {
-                  label: 'Average daily AICs per PRU',
-                  color: '#14b8a6',
-                  data: dailyAverageAicPerRequest.map((day) => day.averageAicPerRequest),
-                },
-              ]}
-              height={320}
-            />
-            <p className="m-0 text-base font-normal text-center text-fg-default">
-              Average AICs per PRU for <strong>{selectedModel}</strong> in the current report period:{' '}
-              <strong>{formatAverageAicPerRequest(overallAverageAicPerRequest)}</strong>, average gross per PRU{' '}
-              <strong>{formatUsd(overallAverageAicGrossPerRequest)}</strong>
-            </p>
-            <p className="m-0 text-[13px] text-center text-fg-muted leading-normal">
-              Note: PRU quantities include billing-period model multipliers, so AICs per PRU should not be read as AICs per actual request when comparing models.
-            </p>
-          </div>
+          {!isNativeAiCredits && (
+            <>
+              <div className="flex flex-col gap-[10px]">
+                <MultiSeriesStackedBarChart
+                  title={`Daily average AICs per PRU (${selectedModel})`}
+                  labels={dailyAverageAicPerRequest.map((day) => day.date)}
+                  series={[
+                    {
+                      label: 'Average daily AICs per PRU',
+                      color: '#14b8a6',
+                      data: dailyAverageAicPerRequest.map((day) => day.averageAicPerRequest),
+                    },
+                  ]}
+                  height={320}
+                />
+                <p className="m-0 text-base font-normal text-center text-fg-default">
+                  Average AICs per PRU for <strong>{selectedModel}</strong> in the current report period:{' '}
+                  <strong>{formatAverageAicPerRequest(overallAverageAicPerRequest)}</strong>, average gross per PRU{' '}
+                  <strong>{formatUsd(overallAverageAicGrossPerRequest)}</strong>
+                </p>
+                <p className="m-0 text-[13px] text-center text-fg-muted leading-normal">
+                  Note: PRU quantities include billing-period model multipliers, so AICs per PRU should not be read as AICs per actual request when comparing models.
+                </p>
+              </div>
+              <DualAxisLineChart
+                title={`Daily PRUs & AI Credits (${selectedModel})`}
+                labels={filledPerModelDailyData.map((day) => day.date)}
+                series={[
+                  {
+                    label: 'PRUs',
+                    color: '#6366f1',
+                    data: filledPerModelDailyData.map((day) => day.requests),
+                    yAxisID: 'y',
+                  },
+                  {
+                    label: 'AI Credits',
+                    color: '#22c55e',
+                    data: filledPerModelDailyData.map((day) => day.aicQuantity),
+                    yAxisID: 'y1',
+                  },
+                ]}
+                height={320}
+              />
+            </>
+          )}
           <DualAxisLineChart
-            title={`Daily PRUs & AI Credits (${selectedModel})`}
+            title={`Daily AI Credits gross and net cost (${selectedModel})`}
             labels={filledPerModelDailyData.map((day) => day.date)}
             series={[
               {
-                label: 'PRUs',
-                color: '#6366f1',
-                data: filledPerModelDailyData.map((day) => day.requests),
+                label: 'AIC Gross Cost',
+                color: '#06b6d4',
+                data: filledPerModelDailyData.map((day) => day.aicGrossAmount),
                 yAxisID: 'y',
               },
               {
-                label: 'AI Credits',
+                label: 'AIC Net Cost',
                 color: '#22c55e',
-                data: filledPerModelDailyData.map((day) => day.aicQuantity),
-                yAxisID: 'y1',
-              },
-            ]}
-            height={320}
-          />
-          <DualAxisLineChart
-            title={`Daily Gross Breakdown (${selectedModel})`}
-            labels={filledPerModelDailyData.map((day) => day.date)}
-            series={[
-              {
-                label: 'PRU Gross Cost',
-                color: '#f59e0b',
-                data: filledPerModelDailyData.map((day) => day.grossAmount),
-                yAxisID: 'y',
-              },
-              {
-                label: 'AIC Gross Cost',
-                color: '#06b6d4',
-                data: filledPerModelDailyData.map((day) => day.aicGrossAmount),
+                data: filledPerModelDailyData.map((day) => day.aicNetAmount),
                 yAxisID: 'y',
               },
             ]}
+            formatYAsCurrency
             height={320}
           />
           <div className="flex items-start gap-[10px] px-4 py-3 bg-bg-accent-muted border border-border-accent/25 rounded-md mt-2">
             <InfoIcon size={16} className="fill-fg-accent shrink-0 mt-0.5" aria-hidden />
-            <p className="m-0 text-[13px] text-fg-default leading-normal">Gross cost is shown before included-credits discounts. Under usage-based billing, included AICs from the account-wide pool will reduce net costs.</p>
+            <p className="m-0 text-[13px] text-fg-default leading-normal">Gross cost is shown before included-credits discounts. Included AICs from the account-wide pool reduce net costs.</p>
           </div>
         </div>
       )}
diff --git a/src/views/OrganizationsView.tsx b/src/views/OrganizationsView.tsx
index aac9dee..01ead49 100644
--- a/src/views/OrganizationsView.tsx
+++ b/src/views/OrganizationsView.tsx
@@ -1,11 +1,12 @@
 import { useCallback, useMemo, useState } from 'react'
 import type { ChangeEvent } from 'react'
-import { BillingProjectionDisclaimer, ExistingDiscountDisclaimer } from '../components/ui'
+import { BillingProjectionDisclaimer, BillingTotalsCards } from '../components/ui'
 import { th, thNum, td, tdNum } from '../components/ui/tableStyles'
 import { appLinks } from '../config/links'
 import type { OrganizationResult, OrgTotals, OrgUserTotals } from '../pipeline/aggregators/organizationAggregator'
 import { calculateAicDiscountAmount, calculateSavingsDifference } from '../utils/billingComparison'
 import { formatAic, formatDifference, formatUsd } from '../utils/format'
+import { isNativeAiCreditsMode, type ReportMode } from '../utils/reportMode'
 
 const MAX_DETAIL_ROWS = 20
 
@@ -30,9 +31,20 @@ function getTopRows(entries: [string, OrgTotals | OrgUserTotals][]): OrgRow[] {
     })
 }
 
-export function OrganizationsView({ data, rangeStart }: { data: OrganizationResult; rangeStart?: string | null }) {
+export function OrganizationsView({
+  data,
+  rangeStart,
+  reportMode = 'transition-period-billing-preview',
+  showOrganizationPromotionalDataDisclaimer = true,
+}: {
+  data: OrganizationResult
+  rangeStart?: string | null
+  reportMode?: ReportMode
+  showOrganizationPromotionalDataDisclaimer?: boolean
+}) {
   const [selected, setSelected] = useState<string>(data.organizations[0]?.organization ?? '')
   const [activeTable, setActiveTable] = useState<'users' | 'models'>('users')
+  const isNativeAiCredits = isNativeAiCreditsMode(reportMode)
 
   const handleSelectChange = useCallback((event: ChangeEvent<HTMLSelectElement>) => {
     setSelected(event.target.value)
@@ -105,7 +117,7 @@ export function OrganizationsView({ data, rangeStart }: { data: OrganizationResu
 
       {selectedOrg && totals && (
         <>
-          {hasCosts && periodLabel && (
+          {!isNativeAiCredits && hasCosts && periodLabel && (
             <p className="text-base font-normal text-center mb-1 text-fg-default">
               {savings > 0 ? (
                 <>
@@ -125,59 +137,31 @@ export function OrganizationsView({ data, rangeStart }: { data: OrganizationResu
             </p>
           )}
 
-          <div className="grid grid-cols-1 sm:grid-cols-2 gap-4 mb-3">
-            <div className="bg-bg-default border border-border-default rounded-md text-center py-7 px-5">
-              <div className="text-[13px] font-medium text-fg-muted uppercase tracking-[0.5px] mb-3">Current billing (PRUs)</div>
-              <div className="text-4xl font-bold leading-[1.2] text-fg-default">{formatUsd(totals.netAmount)}</div>
-              <div className="text-sm text-fg-default mt-1.5">{totals.requests.toLocaleString()} PRUs</div>
-              <div className="text-xs text-fg-muted mt-1">1 PRU = $0.04</div>
-              <div className="mt-4 pt-3 border-t border-border-default w-full flex flex-col gap-1.5 text-left">
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
-                  <span>Consumed PRUs</span>
-                  <span>{formatUsd(totals.grossAmount)}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-muted tabular-nums">
-                  <span>Included PRUs</span>
-                  <span>−{formatUsd(totals.discountAmount)}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums pt-1.5 border-t border-border-default font-semibold">
-                  <span>Overages</span>
-                  <span>{formatUsd(totals.netAmount)}</span>
-                </div>
-                <ExistingDiscountDisclaimer />
-              </div>
-            </div>
-            <div className="bg-bg-default border border-border-default rounded-md text-center py-7 px-5">
-              <div className="text-[13px] font-medium text-fg-muted uppercase tracking-[0.5px] mb-3">Usage-based billing (AICs)</div>
-              <div className="text-4xl font-bold leading-[1.2] text-app-savings-fg">{formatUsd(totals.aicNetAmount)}</div>
-              <div className="text-sm text-fg-default mt-1.5">{formatAic(totals.aicQuantity)} AICs</div>
-              <div className="text-xs text-fg-muted mt-1">1 AIC = $0.01</div>
-              <div className="mt-4 pt-3 border-t border-border-default w-full flex flex-col gap-1.5 text-left">
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
-                  <span>Consumed AICs</span>
-                  <span>{formatUsd(totals.aicGrossAmount)}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-muted tabular-nums">
-                  <span>Included AICs</span>
-                  <span>−{formatUsd(Math.abs(aicDiscountAmount))}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums pt-1.5 border-t border-border-default font-semibold">
-                  <span>Additional usage</span>
-                  <span>{formatUsd(totals.aicNetAmount)}</span>
-                </div>
-                <ExistingDiscountDisclaimer />
-              </div>
-            </div>
-          </div>
-          <BillingProjectionDisclaimer className="mb-6" />
+          <BillingTotalsCards
+            pruNetAmount={totals.netAmount}
+            pruGrossAmount={totals.grossAmount}
+            pruDiscountAmount={totals.discountAmount}
+            pruQuantity={totals.requests}
+            aicNetAmount={totals.aicNetAmount}
+            aicGrossAmount={totals.aicGrossAmount}
+            aicDiscountAmount={Math.abs(aicDiscountAmount)}
+            aicQuantity={totals.aicQuantity}
+            showExistingDiscountDisclaimer
+            showOrganizationPromotionalDataDisclaimer={showOrganizationPromotionalDataDisclaimer}
+            reportMode={reportMode}
+            className="mb-3"
+          />
+          {!isNativeAiCredits && <BillingProjectionDisclaimer className="mb-6" />}
         </>
       )}
 
       <div className="bg-bg-default border border-border-default rounded-md py-5 px-6 mt-6 flex flex-col gap-3 sm:flex-row sm:items-center sm:gap-5">
         <div className="flex-1 flex flex-col gap-1">
-          <strong className="text-sm font-semibold text-fg-default">Pooled included credits are coming</strong>
+          <strong className="text-sm font-semibold text-fg-default">{isNativeAiCredits ? 'Included AI Credits pool' : 'Pooled included credits are coming'}</strong>
           <p className="m-0 text-[13px] text-fg-muted leading-normal">
-            Under usage-based billing, included credits will be pooled across all licensed users in your account (not per organization). Included credits are shared across your account-wide pool, not allocated separately to each organization. No more unused capacity going to waste from idle users.
+            {isNativeAiCredits
+              ? 'Included credits are shared across your account-wide pool, not allocated separately to each organization.'
+              : 'Under usage-based billing, included credits will be pooled across all licensed users in your account (not per organization). Included credits are shared across your account-wide pool, not allocated separately to each organization. No more unused capacity going to waste from idle users.'}
           </p>
         </div>
         <a
@@ -222,11 +206,11 @@ export function OrganizationsView({ data, rangeStart }: { data: OrganizationResu
               <thead>
                 <tr>
                   <th className={th}>{activeTable === 'users' ? 'User' : 'Model'}</th>
-                  <th className={thNum}>PRUs</th>
-                  <th className={thNum}>PRU Cost</th>
+                  {!isNativeAiCredits && <th className={thNum}>PRUs</th>}
+                  {!isNativeAiCredits && <th className={thNum}>PRU Cost</th>}
                   <th className={thNum}>AICs</th>
                   <th className={thNum}>AIC Cost</th>
-                  <th className={thNum}>Difference</th>
+                  {!isNativeAiCredits && <th className={thNum}>Difference</th>}
                 </tr>
               </thead>
               <tbody>
@@ -235,13 +219,15 @@ export function OrganizationsView({ data, rangeStart }: { data: OrganizationResu
                   return (
                     <tr key={row.label}>
                       <td className={`${td} font-semibold text-fg-default`}>{row.label}</td>
-                      <td className={tdNum}>{row.totals.requests.toLocaleString()}</td>
-                      <td className={tdNum}>{formatUsd(row.totals.netAmount)}</td>
+                      {!isNativeAiCredits && <td className={tdNum}>{row.totals.requests.toLocaleString()}</td>}
+                      {!isNativeAiCredits && <td className={tdNum}>{formatUsd(row.totals.netAmount)}</td>}
                       <td className={tdNum}>{formatAic(row.totals.aicQuantity)}</td>
                       <td className={tdNum}>{formatUsd(row.totals.aicNetAmount)}</td>
-                      <td className={`${tdNum}${diff > 0 ? ' text-app-savings-fg font-semibold' : diff < 0 ? ' text-fg-danger font-semibold' : ''}`}>
-                        {formatDifference(diff)}
-                      </td>
+                      {!isNativeAiCredits && (
+                        <td className={`${tdNum}${diff > 0 ? ' text-app-savings-fg font-semibold' : diff < 0 ? ' text-fg-danger font-semibold' : ''}`}>
+                          {formatDifference(diff)}
+                        </td>
+                      )}
                     </tr>
                   )
                 })}
diff --git a/src/views/OverviewView.tsx b/src/views/OverviewView.tsx
index 25522a0..277583b 100644
--- a/src/views/OverviewView.tsx
+++ b/src/views/OverviewView.tsx
@@ -7,6 +7,7 @@ import { AIC_UNIT_PRICE_USD } from '../utils/billingConstants'
 import { fillDataForRange } from '../utils/fillDataForRange'
 import { formatUsd } from '../utils/format'
 import type { IndividualPlanUpgradeRecommendation } from '../utils/individualPlanUpgrade'
+import { isNativeAiCreditsMode, type ReportMode } from '../utils/reportMode'
 
 type OverviewViewProps = {
   error: string | null
@@ -23,6 +24,8 @@ type OverviewViewProps = {
   reportPlanScope?: ReportPlanScope
   upgradeRecommendation?: IndividualPlanUpgradeRecommendation | null
   onAdjustSeatCounts?: () => void
+  reportMode?: ReportMode
+  showOrganizationPromotionalDataDisclaimer?: boolean
 }
 
 const CURRENT_AIC_COLOR = '#1a7f37'
@@ -54,8 +57,11 @@ export function OverviewView({
   reportPlanScope = 'organization',
   upgradeRecommendation = null,
   onAdjustSeatCounts,
+  reportMode = 'transition-period-billing-preview',
+  showOrganizationPromotionalDataDisclaimer = true,
 }: OverviewViewProps) {
   const filledDailyUsageData = fillDataForRange(dailyUsageData, rangeStart, rangeEnd, createEmptyDailyUsage)
+  const isNativeAiCredits = isNativeAiCreditsMode(reportMode)
 
   const overviewTotals = dailyUsageData.reduce(
     (totals, day) => {
@@ -90,6 +96,10 @@ export function OverviewView({
   const includedCreditsCardBody = reportPlanScope === 'individual'
     ? 'Under usage-based billing, your Copilot plan includes AI Credits each month. Usage consumes those included credits first; additional usage is billed only after they are used.'
     : 'Under usage-based billing, included credits will be pooled across all licensed users in your account. No more unused capacity going to waste from idle users.'
+  const nativeIncludedCreditsCardTitle = reportPlanScope === 'individual' ? 'Included AI Credits' : 'Included AI Credits pool'
+  const nativeIncludedCreditsCardBody = reportPlanScope === 'individual'
+    ? 'Your Copilot plan includes AI Credits each month. Usage consumes those included credits first; additional usage is billed only after they are used.'
+    : 'Included credits are pooled across all licensed users in your account. Additional usage spend starts after the account-wide included value is used.'
   const includedCreditsDocsUrl = reportPlanScope === 'individual'
     ? appLinks.usageBasedBillingForIndividualsDocs
     : appLinks.aiCreditsForOrganizationsDocs
@@ -110,27 +120,29 @@ export function OverviewView({
 
       {dailyUsageData.length > 0 && (
         <section>
-          <div className="bg-bg-accent-muted border border-border-accent/25 rounded-md py-5 px-6 mb-5 flex flex-col gap-2">
-            <h2 className="m-0 text-base font-semibold text-fg-default">GitHub Copilot is moving to usage-based billing</h2>
-            <p className="m-0 text-sm text-fg-default leading-normal">
-              Starting June 1, 2026, Copilot usage will be measured in AI Credits (AICs) instead of Premium Requests (PRUs). <strong className="text-[15px] font-bold bg-bg-default py-[2px] px-2 rounded-[4px] whitespace-nowrap">1 AIC = $0.01.</strong> This is a preview estimate based on your uploaded report. Actual bills under usage-based billing may differ based on model mix and final pricing.
-            </p>
-            {fileName && (
-              <p className="m-0 text-[13px] text-fg-muted leading-normal">
-                Note: This is a preview estimate based on your uploaded report ({fileName}). Actual bills under usage-based billing may differ based on model mix and final pricing.
+          {!isNativeAiCredits && (
+            <div className="bg-bg-accent-muted border border-border-accent/25 rounded-md py-5 px-6 mb-5 flex flex-col gap-2">
+              <h2 className="m-0 text-base font-semibold text-fg-default">GitHub Copilot is moving to usage-based billing</h2>
+              <p className="m-0 text-sm text-fg-default leading-normal">
+                Starting June 1, 2026, Copilot usage will be measured in AI Credits (AICs) instead of Premium Requests (PRUs). <strong className="text-[15px] font-bold bg-bg-default py-[2px] px-2 rounded-[4px] whitespace-nowrap">1 AIC = $0.01.</strong> This is a preview estimate based on your uploaded report. Actual bills under usage-based billing may differ based on model mix and final pricing.
               </p>
-            )}
-            <a
-              href={usageBasedBillingDocsUrl}
-              className="text-sm font-medium text-fg-accent no-underline self-start hover:underline"
-              target="_blank"
-              rel="noopener noreferrer"
-            >
-              Learn more about usage-based billing &rarr;
-            </a>
-          </div>
+              {fileName && (
+                <p className="m-0 text-[13px] text-fg-muted leading-normal">
+                  Note: This is a preview estimate based on your uploaded report ({fileName}). Actual bills under usage-based billing may differ based on model mix and final pricing.
+                </p>
+              )}
+              <a
+                href={usageBasedBillingDocsUrl}
+                className="text-sm font-medium text-fg-accent no-underline self-start hover:underline"
+                target="_blank"
+                rel="noopener noreferrer"
+              >
+                Learn more about usage-based billing &rarr;
+              </a>
+            </div>
+          )}
 
-          {periodLabel && (
+          {!isNativeAiCredits && periodLabel && (
             <p className="text-base font-normal text-center mb-1 text-fg-default">
               {savings > 0 ? (
                 <>
@@ -163,11 +175,13 @@ export function OverviewView({
             licenseSeatCounts={licenseSeatCounts}
             showExistingDiscountDisclaimer={reportPlanScope !== 'individual'}
             showPromotionalDataDisclaimer={reportPlanScope === 'individual'}
+            showOrganizationPromotionalDataDisclaimer={reportPlanScope !== 'individual' && showOrganizationPromotionalDataDisclaimer}
             upgradeRecommendation={upgradeRecommendation}
             onAdjustSeatCounts={onAdjustSeatCounts}
+            reportMode={reportMode}
             className="mb-3"
           />
-          <BillingProjectionDisclaimer className="mb-6" />
+          <BillingProjectionDisclaimer className="mb-6" showDetails={!isNativeAiCredits} />
 
           <section className="grid grid-cols-1 gap-6 w-full">
             <div className="flex flex-col gap-2">
@@ -215,59 +229,63 @@ export function OverviewView({
                 {includedCreditsDescription}
               </p>
             </div>
-            <DualAxisLineChart
-              title="Daily cost: PRU cost vs AIC cost"
-              labels={filledDailyUsageData.map((day) => day.date)}
-              series={[
-                {
-                  label: 'PRU Gross Cost',
-                  color: '#cf222e',
-                  data: filledDailyUsageData.map((day) => day.grossAmount),
-                  yAxisID: 'y',
-                },
-                {
-                  label: 'AIC Gross Cost',
-                  color: '#54aeff',
-                  data: filledDailyUsageData.map((day) => day.aicGrossAmount),
-                  yAxisID: 'y',
-                },
-              ]}
-              formatYAsCurrency
-              height={320}
-            />
-            <DualAxisLineChart
-              title="Cumulative net cost: PRU vs AIC"
-              labels={filledDailyUsageData.map((day) => day.date)}
-              series={[
-                {
-                  label: 'PRU Net Cost',
-                  color: '#cf222e',
-                  data: filledDailyUsageData.reduce<number[]>((acc, day) => {
-                    acc.push((acc[acc.length - 1] ?? 0) + day.netAmount)
-                    return acc
-                  }, []),
-                  yAxisID: 'y',
-                },
-                {
-                  label: 'AIC Net Cost',
-                  color: '#54aeff',
-                  data: filledDailyUsageData.reduce<number[]>((acc, day) => {
-                    acc.push((acc[acc.length - 1] ?? 0) + day.aicNetAmount)
-                    return acc
-                  }, []),
-                  yAxisID: 'y',
-                },
-              ]}
-              formatYAsCurrency
-              height={320}
-            />
+            {!isNativeAiCredits && (
+              <>
+                <DualAxisLineChart
+                  title="Daily cost: PRU cost vs AIC cost"
+                  labels={filledDailyUsageData.map((day) => day.date)}
+                  series={[
+                    {
+                      label: 'PRU Gross Cost',
+                      color: '#cf222e',
+                      data: filledDailyUsageData.map((day) => day.grossAmount),
+                      yAxisID: 'y',
+                    },
+                    {
+                      label: 'AIC Gross Cost',
+                      color: '#54aeff',
+                      data: filledDailyUsageData.map((day) => day.aicGrossAmount),
+                      yAxisID: 'y',
+                    },
+                  ]}
+                  formatYAsCurrency
+                  height={320}
+                />
+                <DualAxisLineChart
+                  title="Cumulative net cost: PRU vs AIC"
+                  labels={filledDailyUsageData.map((day) => day.date)}
+                  series={[
+                    {
+                      label: 'PRU Net Cost',
+                      color: '#cf222e',
+                      data: filledDailyUsageData.reduce<number[]>((acc, day) => {
+                        acc.push((acc[acc.length - 1] ?? 0) + day.netAmount)
+                        return acc
+                      }, []),
+                      yAxisID: 'y',
+                    },
+                    {
+                      label: 'AIC Net Cost',
+                      color: '#54aeff',
+                      data: filledDailyUsageData.reduce<number[]>((acc, day) => {
+                        acc.push((acc[acc.length - 1] ?? 0) + day.aicNetAmount)
+                        return acc
+                      }, []),
+                      yAxisID: 'y',
+                    },
+                  ]}
+                  formatYAsCurrency
+                  height={320}
+                />
+              </>
+            )}
           </section>
 
           <div className="bg-bg-default border border-border-default rounded-md py-5 px-6 mt-6 flex flex-col gap-3 sm:flex-row sm:items-center sm:gap-5">
             <div className="flex-1 flex flex-col gap-1">
-              <strong className="text-sm font-semibold text-fg-default">{includedCreditsCardTitle}</strong>
+              <strong className="text-sm font-semibold text-fg-default">{isNativeAiCredits ? nativeIncludedCreditsCardTitle : includedCreditsCardTitle}</strong>
               <p className="m-0 text-[13px] text-fg-muted leading-normal">
-                {includedCreditsCardBody}
+                {isNativeAiCredits ? nativeIncludedCreditsCardBody : includedCreditsCardBody}
               </p>
             </div>
             <a
diff --git a/src/views/ProductsView.tsx b/src/views/ProductsView.tsx
index 0de69de..493ddd5 100644
--- a/src/views/ProductsView.tsx
+++ b/src/views/ProductsView.tsx
@@ -2,16 +2,19 @@ import type { ProductUsageResult } from '../pipeline/aggregators/productUsageAgg
 import { ProductUsageTable } from '../components'
 import { InfoTip } from '../components/InfoTip'
 import { formatUsd } from '../utils/format'
+import { isNativeAiCreditsMode, type ReportMode } from '../utils/reportMode'
 
 const PRODUCT_COLORS = ['#2da44e', '#8b5cf6', '#d4a72c', '#54aeff', '#cf222e', '#fd8c73', '#8b949e']
 
 type ProductsViewProps = {
   data: ProductUsageResult
+  reportMode?: ReportMode
 }
 
-export function ProductsView({ data }: ProductsViewProps) {
+export function ProductsView({ data, reportMode = 'transition-period-billing-preview' }: ProductsViewProps) {
+  const isNativeAiCredits = isNativeAiCreditsMode(reportMode)
   const maxCost = data.products.reduce((value, product) => {
-    return Math.max(value, product.totals.netAmount, product.totals.aicNetAmount)
+    return Math.max(value, isNativeAiCredits ? 0 : product.totals.netAmount, product.totals.aicNetAmount)
   }, 0)
 
   if (data.products.length === 0) {
@@ -30,15 +33,17 @@ export function ProductsView({ data }: ProductsViewProps) {
           <h2 className="m-0 text-lg text-fg-default">Usage by product</h2>
           <span className="text-[13px] text-fg-muted">{data.products.length.toLocaleString()} total</span>
         </div>
-        <div className="text-[13px] text-fg-muted">PRU = $0.04/request · AIC = $0.01/unit</div>
+        <div className="text-[13px] text-fg-muted">{isNativeAiCredits ? 'AIC = $0.01/unit' : 'PRU = $0.04/request · AIC = $0.01/unit'}</div>
       </div>
 
       <div className="bg-bg-default border border-border-default rounded-md flex flex-col gap-5 p-5">
         <div className="flex flex-wrap gap-3.5 text-[11px] text-fg-muted" aria-hidden="true">
-          <span className="inline-flex items-center gap-[5px]">
-            <span className="w-2.5 h-2.5 rounded-sm shrink-0 bg-[rgba(207,34,46,0.7)]" />
-            PRU net cost
-          </span>
+          {!isNativeAiCredits && (
+            <span className="inline-flex items-center gap-[5px]">
+              <span className="w-2.5 h-2.5 rounded-sm shrink-0 bg-[rgba(207,34,46,0.7)]" />
+              PRU net cost
+            </span>
+          )}
           <span className="inline-flex items-center gap-[5px]">
             <span className="w-2.5 h-2.5 rounded-sm shrink-0 bg-fg-accent" />
             AIC net cost
@@ -70,12 +75,14 @@ export function ProductsView({ data }: ProductsViewProps) {
                 </div>
 
                 <div className="flex flex-col gap-2 min-w-0">
-                  <div className="flex items-center gap-2 min-w-0">
-                    <div className="flex-1 h-3.5 rounded-[4px] overflow-hidden bg-bg-muted">
-                      <div className="h-full rounded-[4px] min-w-0 bg-[rgba(207,34,46,0.7)]" style={{ width: `${pruWidth}%` }} />
+                  {!isNativeAiCredits && (
+                    <div className="flex items-center gap-2 min-w-0">
+                      <div className="flex-1 h-3.5 rounded-[4px] overflow-hidden bg-bg-muted">
+                        <div className="h-full rounded-[4px] min-w-0 bg-[rgba(207,34,46,0.7)]" style={{ width: `${pruWidth}%` }} />
+                      </div>
+                      <span className="min-w-[72px] text-[10px] font-medium tabular-nums whitespace-nowrap text-fg-danger">{formatUsd(product.totals.netAmount)}</span>
                     </div>
-                    <span className="min-w-[72px] text-[10px] font-medium tabular-nums whitespace-nowrap text-fg-danger">{formatUsd(product.totals.netAmount)}</span>
-                  </div>
+                  )}
 
                   <div className="flex items-center gap-2 min-w-0">
                     <div className="flex-1 h-3.5 rounded-[4px] overflow-hidden bg-bg-muted">
@@ -90,7 +97,7 @@ export function ProductsView({ data }: ProductsViewProps) {
         </div>
       </div>
 
-      <ProductUsageTable products={data.products} />
+      <ProductUsageTable products={data.products} reportMode={reportMode} />
     </section>
   )
 }
diff --git a/src/views/UserDetailsView.tsx b/src/views/UserDetailsView.tsx
index 93a1b87..ceeb6e9 100644
--- a/src/views/UserDetailsView.tsx
+++ b/src/views/UserDetailsView.tsx
@@ -6,8 +6,10 @@ import { calculateAicDiscountAmount, calculateSavingsDifference } from '../utils
 import { fillDataForRange } from '../utils/fillDataForRange'
 import { formatAic } from '../utils/format'
 import { getUserSpendSegmentLabel } from '../utils/userSpendSegments'
-import { BillingProjectionDisclaimer, ExistingDiscountDisclaimer, PromotionalDataDisclaimer } from '../components/ui'
+import { BillingProjectionDisclaimer, BillingTotalsCards } from '../components/ui'
 import { th, thNum, td, tdNum } from '../components/ui/tableStyles'
+import { TRANSITION_PERIOD_INCLUDED_CREDITS_POLICY, type IncludedCreditsPolicy } from '../pipeline/includedCreditsPolicy'
+import { isNativeAiCreditsMode, type ReportMode } from '../utils/reportMode'
 
 type DailySummaryModelRow = {
   model: string
@@ -64,6 +66,9 @@ export interface UserDetailsViewProps {
   rangeStart?: string | null
   rangeEnd?: string | null
   onBackToUsers?: () => void
+  reportMode?: ReportMode
+  includedCreditsPolicy?: IncludedCreditsPolicy
+  showOrganizationPromotionalDataDisclaimer?: boolean
 }
 
 export function UserDetailsView({
@@ -73,7 +78,11 @@ export function UserDetailsView({
   rangeStart,
   rangeEnd,
   onBackToUsers,
+  reportMode = 'transition-period-billing-preview',
+  includedCreditsPolicy = TRANSITION_PERIOD_INCLUDED_CREDITS_POLICY,
+  showOrganizationPromotionalDataDisclaimer = true,
 }: UserDetailsViewProps) {
+  const isNativeAiCredits = isNativeAiCreditsMode(reportMode)
   const activeDailyEntries = useMemo(() => {
     if (!user) return []
     return Object.values(user.daily).sort((a, b) => a.date.localeCompare(b.date))
@@ -178,8 +187,8 @@ export function UserDetailsView({
 
   const aicDiscountAmount = user ? calculateAicDiscountAmount(user.totals.aicGrossAmount, user.totals.aicNetAmount) : 0
   const savings = user ? calculateSavingsDifference(user.totals.netAmount, user.totals.aicNetAmount) : 0
-  const planLabel = user ? getPlanLabel(user.totalMonthlyQuota, reportPlanScope) : null
-  const showExistingDiscountDisclaimer = reportPlanScope !== 'individual'
+  const planLabel = user ? getPlanLabel(user.totalMonthlyQuota, reportPlanScope, includedCreditsPolicy) : null
+  const showExistingDiscountDisclaimer = !isNativeAiCredits && reportPlanScope !== 'individual'
   const spendSegmentLabel = user && showExistingDiscountDisclaimer ? getUserSpendSegmentLabel(user.spendSegment) : null
 
   if (!user) {
@@ -232,7 +241,7 @@ export function UserDetailsView({
         <div className="bg-bg-default border border-border-default rounded-md p-4 text-fg-muted">No usage data for this user.</div>
       ) : (
         <>
-          {periodLabel && (
+          {!isNativeAiCredits && periodLabel && (
             <p className="text-base font-normal text-center mb-1 text-fg-default">
               {savings > 0 ? (
                 <>
@@ -252,58 +261,30 @@ export function UserDetailsView({
             </p>
           )}
 
-          <div className="grid grid-cols-2 max-sm:grid-cols-1 gap-4 mb-3">
-            <div className="bg-bg-default border border-border-default rounded-md px-5 py-7 text-center">
-              <div className="text-[13px] font-medium text-fg-muted uppercase tracking-wider mb-3">Current billing (PRUs)</div>
-              <div className="text-4xl font-bold leading-[1.2] text-fg-default">{formatCost(user.totals.netAmount)}</div>
-              <div className="text-sm text-fg-default mt-1.5">{user.totals.requests.toLocaleString()} PRUs</div>
-              <div className="text-xs text-fg-muted mt-1">1 PRU = $0.04</div>
-              <div className="mt-4 pt-3 border-t border-border-default w-full flex flex-col gap-1.5 text-left">
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
-                  <span>Consumed PRUs</span>
-                  <span>{formatCost(user.totals.grossAmount)}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-muted tabular-nums">
-                  <span>Included PRUs</span>
-                  <span>−{formatCost(user.totals.discountAmount)}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums pt-1.5 border-t border-border-default font-semibold">
-                  <span>Overages</span>
-                  <span>{formatCost(user.totals.netAmount)}</span>
-                </div>
-                {showExistingDiscountDisclaimer && <ExistingDiscountDisclaimer />}
-              </div>
-            </div>
-            <div className="bg-bg-default border border-border-default rounded-md px-5 py-7 text-center">
-              <div className="text-[13px] font-medium text-fg-muted uppercase tracking-wider mb-3">Usage-based billing (AICs)</div>
-              <div className="text-4xl font-bold leading-[1.2] text-app-savings-fg">{formatCost(user.totals.aicNetAmount)}</div>
-              <div className="text-sm text-fg-default mt-1.5">{formatAic(user.totals.aicQuantity)} AICs</div>
-              <div className="text-xs text-fg-muted mt-1">1 AIC = $0.01</div>
-              <div className="mt-4 pt-3 border-t border-border-default w-full flex flex-col gap-1.5 text-left">
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums">
-                  <span>Consumed AICs</span>
-                  <span>{formatCost(user.totals.aicGrossAmount)}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-muted tabular-nums">
-                  <span>Included AICs</span>
-                  <span>−{formatCost(aicDiscountAmount)}</span>
-                </div>
-                <div className="flex justify-between items-center text-[13px] text-fg-default tabular-nums pt-1.5 border-t border-border-default font-semibold">
-                  <span>Additional usage</span>
-                  <span>{formatCost(user.totals.aicNetAmount)}</span>
-                </div>
-                {showExistingDiscountDisclaimer ? <ExistingDiscountDisclaimer /> : <PromotionalDataDisclaimer />}
-              </div>
-            </div>
-          </div>
-          <BillingProjectionDisclaimer className="mb-6" />
+          <BillingTotalsCards
+            pruNetAmount={user.totals.netAmount}
+            pruGrossAmount={user.totals.grossAmount}
+            pruDiscountAmount={user.totals.discountAmount}
+            pruQuantity={user.totals.requests}
+            aicNetAmount={user.totals.aicNetAmount}
+            aicGrossAmount={user.totals.aicGrossAmount}
+            aicDiscountAmount={aicDiscountAmount}
+            aicQuantity={user.totals.aicQuantity}
+            showExistingDiscountDisclaimer={reportPlanScope !== 'individual'}
+            showPromotionalDataDisclaimer={reportPlanScope === 'individual'}
+            showOrganizationPromotionalDataDisclaimer={reportPlanScope !== 'individual' && showOrganizationPromotionalDataDisclaimer}
+            reportMode={reportMode}
+            className="mb-3"
+          />
+          {!isNativeAiCredits && <BillingProjectionDisclaimer className="mb-6" />}
 
           <div className="grid grid-cols-1 gap-6 w-full">
             {productBreakdownRows.length > 0 && (
-              <ProductUsageTable title="Usage by Product" products={productBreakdownRows} />
+              <ProductUsageTable title="Usage by Product" products={productBreakdownRows} reportMode={reportMode} />
             )}
-            <MultiSeriesStackedBarChart title="Daily Requests by Model" labels={labels} series={requestSeries} height={340} />
+            {!isNativeAiCredits && <MultiSeriesStackedBarChart title="Daily Requests by Model" labels={labels} series={requestSeries} height={340} />}
             <MultiSeriesStackedBarChart title="Daily AI Credits by Model" labels={labels} series={aicSeries} height={340} />
+            {!isNativeAiCredits && (
             <DualAxisLineChart
               title="Cumulative net cost: PRU vs AIC"
               labels={labels}
@@ -311,6 +292,7 @@ export function UserDetailsView({
               formatYAsCurrency
               height={320}
             />
+            )}
           </div>
 
           <div className="bg-bg-default border border-border-default rounded-md overflow-auto">
@@ -319,11 +301,13 @@ export function UserDetailsView({
                 <tr>
                   <th className={th}>Date</th>
                   <th className={th}>Model</th>
-                  <th className={thNum}>PRUs</th>
+                  {!isNativeAiCredits && <th className={thNum}>PRUs</th>}
                   <th className={thNum}>AICs</th>
-                  <th className={thNum}>PRU Net Cost</th>
+                  {isNativeAiCredits && <th className={thNum}>AIC Gross Cost</th>}
+                  {isNativeAiCredits && <th className={thNum}>Included Discount</th>}
+                  {!isNativeAiCredits && <th className={thNum}>PRU Net Cost</th>}
                   <th className={thNum}>AIC Net Cost</th>
-                  <th className={thNum}>Difference</th>
+                  {!isNativeAiCredits && <th className={thNum}>Difference</th>}
                 </tr>
               </thead>
               <tbody>
@@ -339,14 +323,18 @@ export function UserDetailsView({
                           </td>
                         )}
                         <td className={`${td} font-medium text-fg-default`}>{`- ${row.model}`}</td>
-                        <td className={tdNum}>{formatInt(row.requests)}</td>
+                        {!isNativeAiCredits && <td className={tdNum}>{formatInt(row.requests)}</td>}
                         <td className={tdNum}>{formatAic(row.aicQuantity)}</td>
-                        <td className={tdNum}>{formatCost(row.netAmount)}</td>
+                        {isNativeAiCredits && <td className={tdNum}>{formatCost(row.aicGrossAmount)}</td>}
+                        {isNativeAiCredits && <td className={tdNum}>−{formatCost(Math.abs(row.aicDiscountAmount))}</td>}
+                        {!isNativeAiCredits && <td className={tdNum}>{formatCost(row.netAmount)}</td>}
                         <td className={tdNum}>{formatCost(row.aicNetAmount)}</td>
-                        <td className={`${tdNum} font-semibold ${diff > 0 ? 'text-app-savings-fg' : diff < 0 ? 'text-app-overspend-fg' : 'text-fg-muted'}`}>
-                          {diff > 0 ? '−' : diff < 0 ? '+' : ''}
-                          {formatCost(Math.abs(diff))}
-                        </td>
+                        {!isNativeAiCredits && (
+                          <td className={`${tdNum} font-semibold ${diff > 0 ? 'text-app-savings-fg' : diff < 0 ? 'text-app-overspend-fg' : 'text-fg-muted'}`}>
+                            {diff > 0 ? '−' : diff < 0 ? '+' : ''}
+                            {formatCost(Math.abs(diff))}
+                          </td>
+                        )}
                       </tr>
                     )
                   }),
diff --git a/src/views/UsersView.tsx b/src/views/UsersView.tsx
index c27c26b..ec1b55d 100644
--- a/src/views/UsersView.tsx
+++ b/src/views/UsersView.tsx
@@ -3,14 +3,14 @@ import type { ChangeEvent } from 'react'
 import type { UserUsage } from '../pipeline/aggregators/userUsageAggregator'
 import {
   type AicIncludedCreditsOverrides,
-  BUSINESS_MONTHLY_AIC_INCLUDED_CREDITS,
-  ENTERPRISE_MONTHLY_AIC_INCLUDED_CREDITS,
   calculateLicenseSummary,
   inferReportPlanScope,
 } from '../pipeline/aicIncludedCredits'
+import { TRANSITION_PERIOD_INCLUDED_CREDITS_POLICY, type IncludedCreditsPolicy } from '../pipeline/includedCreditsPolicy'
 import { calculateSavingsDifference } from '../utils/billingComparison'
 import { InfoTip, ValidationPopover } from '../components/InfoTip'
 import { formatAic, formatDifference } from '../utils/format'
+import { isNativeAiCreditsMode, type ReportMode } from '../utils/reportMode'
 import { getSeatCountInputError, normalizeSeatCount, parseSeatCountInput } from '../utils/seatCounts'
 import { Trie } from '../utils/trie'
 import { th, thBase, thNum, td, tdNum, sortBtn } from '../components/ui/tableStyles'
@@ -50,15 +50,25 @@ export interface UsersViewProps {
   seatOverrides?: SeatOverrides
   onSeatOverridesChange?: (overrides: SeatOverrides) => void
   onSelectUser?: (username: string) => void
+  reportMode?: ReportMode
+  includedCreditsPolicy?: IncludedCreditsPolicy
 }
 
-export function UsersView({ users, seatOverrides = {}, onSeatOverridesChange, onSelectUser }: UsersViewProps) {
+export function UsersView({
+  users,
+  seatOverrides = {},
+  onSeatOverridesChange,
+  onSelectUser,
+  reportMode = 'transition-period-billing-preview',
+  includedCreditsPolicy = TRANSITION_PERIOD_INCLUDED_CREDITS_POLICY,
+}: UsersViewProps) {
   const [query, setQuery] = useState('')
   const [pageAnchor, setPageAnchor] = useState<string | null>(null)
   const [sortKey, setSortKey] = useState<SortKey>('aicQuantity')
   const [sortDir, setSortDir] = useState<SortDir>('desc')
 
-  const licenseSummary = useMemo(() => calculateLicenseSummary(users), [users])
+  const isNativeAiCredits = isNativeAiCreditsMode(reportMode)
+  const licenseSummary = useMemo(() => calculateLicenseSummary(users, includedCreditsPolicy), [users, includedCreditsPolicy])
   const reportPlanScope = useMemo(
     () => inferReportPlanScope(users.length, users.some((user) => user.organizations.length > 0 || user.costCenters.length > 0)),
     [users],
@@ -89,8 +99,8 @@ export function UsersView({ users, seatOverrides = {}, onSeatOverridesChange, on
 
   const adjustedSummary = useMemo(() => {
     if (reportPlanScope === 'individual') return licenseSummary
-    const bAic = displayBusiness * BUSINESS_MONTHLY_AIC_INCLUDED_CREDITS
-    const eAic = displayEnterprise * ENTERPRISE_MONTHLY_AIC_INCLUDED_CREDITS
+    const bAic = displayBusiness * includedCreditsPolicy.organizationPlans.business.monthlyIncludedCredits
+    const eAic = displayEnterprise * includedCreditsPolicy.organizationPlans.enterprise.monthlyIncludedCredits
     return {
       rows: [
         { label: 'Copilot Business', users: displayBusiness, includedAic: bAic },
@@ -99,7 +109,7 @@ export function UsersView({ users, seatOverrides = {}, onSeatOverridesChange, on
       totalUsers: displayBusiness + displayEnterprise,
       totalIncludedAic: bAic + eAic,
     }
-  }, [licenseSummary, displayBusiness, displayEnterprise, reportPlanScope])
+  }, [includedCreditsPolicy, licenseSummary, displayBusiness, displayEnterprise, reportPlanScope])
 
   const handleEdit = () => {
     setDraftBusiness(String(savedBusiness))
@@ -198,7 +208,7 @@ export function UsersView({ users, seatOverrides = {}, onSeatOverridesChange, on
         <h2 className="m-0 text-lg text-fg-default">Users</h2>
         <span className="text-[13px] text-fg-muted">
           {filteredUsers.length.toLocaleString()} with activity
-          <InfoTip text="Only users who generated at least one premium request during this report period are shown. This may be fewer than your total licensed seats. You can edit the user counts in the table below to estimate the full included credit pool." />
+          <InfoTip text={isNativeAiCredits ? 'Only users who generated AI Credits usage during this report period are shown. This may be fewer than your total licensed seats. You can edit the user counts in the table below to estimate the full included credit pool.' : 'Only users who generated at least one premium request during this report period are shown. This may be fewer than your total licensed seats. You can edit the user counts in the table below to estimate the full included credit pool.'} />
         </span>
       </div>
       <div className="bg-bg-default border border-border-default rounded-md overflow-auto mb-4 p-4">
@@ -295,7 +305,7 @@ export function UsersView({ users, seatOverrides = {}, onSeatOverridesChange, on
             <br />
             You can <strong>add</strong> missing Copilot Business and Copilot Enterprise licenses for accurate bill estimation.
           </p>
-          {displayBusiness > 0 && (
+          {!isNativeAiCredits && displayBusiness > 0 && (
             <p>
               Upgrading Copilot Business users to Copilot Enterprise during the promotional period reduces the additional usage cost by <strong>$20</strong> per upgrade.
             </p>
@@ -350,12 +360,14 @@ export function UsersView({ users, seatOverrides = {}, onSeatOverridesChange, on
                   <span className="min-w-[2ch]" aria-hidden="true">{sortIndicator('username')}</span>
                 </button>
               </th>
-              <th className={`${thBase} text-right select-none`} aria-sort={getAriaSort('requests')}>
-                <button type="button" className={`${sortBtn} justify-end`} onClick={() => handleSort('requests')}>
-                  <span>PRUs</span>
-                  <span className="min-w-[2ch]" aria-hidden="true">{sortIndicator('requests')}</span>
-                </button>
-              </th>
+              {!isNativeAiCredits && (
+                <th className={`${thBase} text-right select-none`} aria-sort={getAriaSort('requests')}>
+                  <button type="button" className={`${sortBtn} justify-end`} onClick={() => handleSort('requests')}>
+                    <span>PRUs</span>
+                    <span className="min-w-[2ch]" aria-hidden="true">{sortIndicator('requests')}</span>
+                  </button>
+                </th>
+              )}
               <th className={`${thBase} text-right select-none`} aria-sort={getAriaSort('aicQuantity')}>
                 <button type="button" className={`${sortBtn} justify-end`} onClick={() => handleSort('aicQuantity')}>
                   <span>AICs</span>
@@ -368,24 +380,28 @@ export function UsersView({ users, seatOverrides = {}, onSeatOverridesChange, on
                   <span className="min-w-[2ch]" aria-hidden="true">{sortIndicator('distinctModels')}</span>
                 </button>
               </th>
-              <th className={`${thBase} text-right select-none`} aria-sort={getAriaSort('netAmount')}>
-                <button type="button" className={`${sortBtn} justify-end`} onClick={() => handleSort('netAmount')}>
-                  <span>PRU Net Cost</span>
-                  <span className="min-w-[2ch]" aria-hidden="true">{sortIndicator('netAmount')}</span>
-                </button>
-              </th>
+              {!isNativeAiCredits && (
+                <th className={`${thBase} text-right select-none`} aria-sort={getAriaSort('netAmount')}>
+                  <button type="button" className={`${sortBtn} justify-end`} onClick={() => handleSort('netAmount')}>
+                    <span>PRU Net Cost</span>
+                    <span className="min-w-[2ch]" aria-hidden="true">{sortIndicator('netAmount')}</span>
+                  </button>
+                </th>
+              )}
               <th className={`${thBase} text-right select-none`} aria-sort={getAriaSort('aicNetAmount')}>
                 <button type="button" className={`${sortBtn} justify-end`} onClick={() => handleSort('aicNetAmount')}>
                   <span>AIC Net Cost</span>
                   <span className="min-w-[2ch]" aria-hidden="true">{sortIndicator('aicNetAmount')}</span>
                 </button>
               </th>
-              <th className={`${thBase} text-right select-none`} aria-sort={getAriaSort('difference')}>
-                <button type="button" className={`${sortBtn} justify-end`} onClick={() => handleSort('difference')}>
-                  <span>Difference</span>
-                  <span className="min-w-[2ch]" aria-hidden="true">{sortIndicator('difference')}</span>
-                </button>
-              </th>
+              {!isNativeAiCredits && (
+                <th className={`${thBase} text-right select-none`} aria-sort={getAriaSort('difference')}>
+                  <button type="button" className={`${sortBtn} justify-end`} onClick={() => handleSort('difference')}>
+                    <span>Difference</span>
+                    <span className="min-w-[2ch]" aria-hidden="true">{sortIndicator('difference')}</span>
+                  </button>
+                </th>
+              )}
             </tr>
           </thead>
           <tbody>
@@ -410,14 +426,16 @@ export function UsersView({ users, seatOverrides = {}, onSeatOverridesChange, on
                   tabIndex={onSelectUser ? 0 : undefined}
                 >
                   <td className={`${td} font-semibold text-fg-default`}>{user.username}</td>
-                  <td className={tdNum}>{formatInt(user.totals.requests)}</td>
+                  {!isNativeAiCredits && <td className={tdNum}>{formatInt(user.totals.requests)}</td>}
                   <td className={tdNum}>{formatAic(user.totals.aicQuantity)}</td>
                   <td className={tdNum}>{formatInt(user.totals.distinctModels)}</td>
-                  <td className={tdNum}>{formatCost(user.totals.netAmount)}</td>
+                  {!isNativeAiCredits && <td className={tdNum}>{formatCost(user.totals.netAmount)}</td>}
                   <td className={tdNum}>{formatCost(user.totals.aicNetAmount)}</td>
-                  <td className={`${tdNum} font-semibold ${diff > 0 ? 'text-app-savings-fg' : diff < 0 ? 'text-app-overspend-fg' : 'text-fg-muted'}`}>
-                    {formatDifference(diff)}
-                  </td>
+                  {!isNativeAiCredits && (
+                    <td className={`${tdNum} font-semibold ${diff > 0 ? 'text-app-savings-fg' : diff < 0 ? 'text-app-overspend-fg' : 'text-fg-muted'}`}>
+                      {formatDifference(diff)}
+                    </td>
+                  )}
                 </tr>
               )
             })}
diff --git a/src/views/nativeBillingCards.test.ts b/src/views/nativeBillingCards.test.ts
new file mode 100644
index 0000000..386bccc
--- /dev/null
+++ b/src/views/nativeBillingCards.test.ts
@@ -0,0 +1,140 @@
+import { createElement } from 'react'
+import { renderToStaticMarkup } from 'react-dom/server'
+import { describe, expect, it } from 'vitest'
+
+import type { CostCenterResult } from '../pipeline/aggregators/costCenterAggregator'
+import type { ModelUsageResult } from '../pipeline/aggregators/modelUsageAggregator'
+import type { OrganizationResult } from '../pipeline/aggregators/organizationAggregator'
+import type { UserUsage } from '../pipeline/aggregators/userUsageAggregator'
+import { EXISTING_DISCOUNT_DISCLAIMER } from '../components/ui/ExistingDiscountDisclaimer'
+import { CostCentersView } from './CostCentersView'
+import { ModelsView } from './ModelsView'
+import { OrganizationsView } from './OrganizationsView'
+import { UserDetailsView } from './UserDetailsView'
+
+const nativeTotals = {
+  requests: 0,
+  grossAmount: 0,
+  discountAmount: 0,
+  netAmount: 0,
+  aicQuantity: 250.24,
+  aicGrossAmount: 2.5024,
+  aicNetAmount: 0,
+}
+
+const modelName = 'Auto: GPT-5.3-Codex'
+
+function countOccurrences(value: string, search: string): number {
+  return value.split(search).length - 1
+}
+
+describe('native billing cards in views', () => {
+  it('reuses the shared usage-based billing card title and disclosures', () => {
+    const organizationResult: OrganizationResult = {
+      organizations: [{
+        organization: 'example-org',
+        userCount: 1,
+        totals: nativeTotals,
+        totalsByModel: { [modelName]: nativeTotals },
+        totalsByUser: {
+          mona: {
+            requests: nativeTotals.requests,
+            grossAmount: nativeTotals.grossAmount,
+            netAmount: nativeTotals.netAmount,
+            aicQuantity: nativeTotals.aicQuantity,
+            aicGrossAmount: nativeTotals.aicGrossAmount,
+            aicNetAmount: nativeTotals.aicNetAmount,
+          },
+        },
+      }],
+    }
+    const costCenterResult: CostCenterResult = {
+      costCenters: [{
+        costCenterName: 'Cost Center A',
+        userCount: 1,
+        netCostPerUser: 0,
+        totals: nativeTotals,
+        totalsByModel: { [modelName]: nativeTotals },
+        totalsByUser: {
+          mona: {
+            requests: nativeTotals.requests,
+            grossAmount: nativeTotals.grossAmount,
+            netAmount: nativeTotals.netAmount,
+            aicQuantity: nativeTotals.aicQuantity,
+            aicGrossAmount: nativeTotals.aicGrossAmount,
+            aicNetAmount: nativeTotals.aicNetAmount,
+          },
+        },
+      }],
+    }
+    const modelUsage: ModelUsageResult = {
+      models: [modelName],
+      byModel: {
+        [modelName]: [{
+          date: '2026-06-01',
+          ...nativeTotals,
+        }],
+      },
+      totalsByModel: {
+        [modelName]: nativeTotals,
+      },
+    }
+    const userUsage: UserUsage = {
+      username: 'mona',
+      spendSegment: 'typical',
+      totalMonthlyQuota: 3900,
+      organizations: ['example-org'],
+      costCenters: ['Cost Center A'],
+      daily: {
+        '2026-06-01': {
+          date: '2026-06-01',
+          ...nativeTotals,
+          models: {
+            [modelName]: nativeTotals,
+          },
+        },
+      },
+      products: {},
+      totals: {
+        ...nativeTotals,
+        distinctModels: 1,
+      },
+    }
+
+    const html = [
+      renderToStaticMarkup(createElement(OrganizationsView, {
+        data: organizationResult,
+        rangeStart: '2026-06-01',
+        reportMode: 'native-ai-credits',
+        showOrganizationPromotionalDataDisclaimer: true,
+      })),
+      renderToStaticMarkup(createElement(CostCentersView, {
+        data: costCenterResult,
+        rangeStart: '2026-06-01',
+        reportMode: 'native-ai-credits',
+        showOrganizationPromotionalDataDisclaimer: true,
+      })),
+      renderToStaticMarkup(createElement(ModelsView, {
+        modelUsage,
+        isIndividualReport: false,
+        rangeStart: '2026-06-01',
+        rangeEnd: '2026-06-01',
+        reportMode: 'native-ai-credits',
+        showOrganizationPromotionalDataDisclaimer: true,
+      })),
+      renderToStaticMarkup(createElement(UserDetailsView, {
+        user: userUsage,
+        rangeStart: '2026-06-01',
+        rangeEnd: '2026-06-01',
+        reportMode: 'native-ai-credits',
+        showOrganizationPromotionalDataDisclaimer: true,
+      })),
+    ].join('\n')
+
+    expect(countOccurrences(html, 'Usage-based billing (AICs)')).toBe(4)
+    expect(countOccurrences(html, EXISTING_DISCOUNT_DISCLAIMER)).toBe(4)
+    expect(countOccurrences(html, 'Promotional amounts are used in this simulation.')).toBe(4)
+    expect(html).not.toContain('AI Credits usage')
+    expect(html).not.toContain('Current billing (PRUs)')
+  })
+})