diff --git a/backend/account_lifecycle.py b/backend/account_lifecycle.py
new file mode 100644
index 0000000..00bfcf2
--- /dev/null
+++ b/backend/account_lifecycle.py
@@ -0,0 +1,77 @@
+"""
+Account-Lifecycle (CAPABILITY_CATALOG.v1.md §3, M3 C0).
+
+Zustände: unverified → verified_pending_club → active_member; platform_admin separat.
+"""
+from __future__ import annotations
+
+import os
+from typing import TYPE_CHECKING, Optional
+
+from fastapi import HTTPException
+
+from club_tenancy import is_platform_admin
+
+if TYPE_CHECKING:
+    from tenant_context import TenantContext
+
+_ACCOUNT_STATE_RANK = {
+    "unverified": 1,
+    "verified_pending_club": 2,
+    "active_member": 3,
+    "platform_admin": 4,
+}
+
+
+def resolve_account_state(
+    *,
+    email_verified: bool,
+    global_role: str,
+    has_active_membership: bool,
+) -> str:
+    """Ermittelt account_state für ein Profil."""
+    if is_platform_admin(global_role):
+        return "platform_admin"
+    if not email_verified:
+        return "unverified"
+    if not has_active_membership:
+        return "verified_pending_club"
+    return "active_member"
+
+
+def account_state_satisfies(current: str, required: str) -> bool:
+    """True wenn current mindestens required ist."""
+    cur = _ACCOUNT_STATE_RANK.get(current, 0)
+    req = _ACCOUNT_STATE_RANK.get(required, 99)
+    if current == "platform_admin":
+        return True
+    return cur >= req
+
+
+def account_gate_enforcement_enabled() -> bool:
+    """Account-Gates aktiv (Default an — nur wenige Endpoints in M3)."""
+    return os.getenv("ACCOUNT_GATE_ENFORCE", "1").strip() == "1"
+
+
+def assert_min_account_state(
+    tenant: "TenantContext",
+    min_state: str,
+    *,
+    endpoint: Optional[str] = None,
+) -> None:
+    """
+    Prüft Mindest-Account-Status. Wirft 403 wenn ACCOUNT_GATE_ENFORCE=1 (Default).
+    """
+    current = getattr(tenant, "account_state", "active_member")
+    ok = account_state_satisfies(current, min_state)
+    if ok:
+        return
+    if not account_gate_enforcement_enabled():
+        return
+    detail = (
+        f"Account-Status „{current}“ reicht nicht für diese Aktion "
+        f"(erforderlich: {min_state})."
+    )
+    if endpoint:
+        detail = f"{detail} ({endpoint})"
+    raise HTTPException(status_code=403, detail=detail)
diff --git a/backend/capabilities.py b/backend/capabilities.py
new file mode 100644
index 0000000..83d6f2a
--- /dev/null
+++ b/backend/capabilities.py
@@ -0,0 +1,232 @@
+"""
+Capability-Auflösung (CAPABILITY_CATALOG.v1.md, M3 C1).
+
+Phase 2: probe_capability — JSON-Log, kein Block (CAPABILITY_ENFORCE=0).
+Phase 3+: CAPABILITY_ENFORCE=1 — HTTP 403 bei fehlender Capability.
+"""
+from __future__ import annotations
+
+import os
+from typing import Any, Dict, List, Optional, TYPE_CHECKING
+
+from fastapi import HTTPException
+
+from account_lifecycle import account_state_satisfies
+from club_tenancy import is_platform_admin
+from db import get_db, get_cursor
+
+if TYPE_CHECKING:
+    from tenant_context import TenantContext
+
+
+def capability_enforcement_enabled() -> bool:
+    return os.getenv("CAPABILITY_ENFORCE", "0").strip() == "1"
+
+
+def club_roles_in_club(tenant: "TenantContext", club_id: Optional[int]) -> List[str]:
+    if club_id is None:
+        return []
+    for m in tenant.memberships or []:
+        if int(m.get("id") or 0) == int(club_id):
+            roles = m.get("roles") or []
+            if hasattr(roles, "tolist"):
+                roles = roles.tolist()
+            return list(roles)
+    return []
+
+
+def check_capability(
+    cur,
+    tenant: "TenantContext",
+    capability_id: str,
+    *,
+    club_id: Optional[int] = None,
+) -> Dict[str, Any]:
+    """
+    Prüft eine Capability für Tenant + optionalen Vereinskontext.
+
+    Returns: allowed, reason, account_state, club_roles, linked_feature_id
+    """
+    account_state = getattr(tenant, "account_state", "active_member")
+    eff_club = club_id if club_id is not None else tenant.effective_club_id
+    club_roles = club_roles_in_club(tenant, eff_club) if eff_club is not None else []
+
+    cur.execute(
+        """
+        SELECT id, min_account_state, linked_feature_id, active, domain
+        FROM capabilities
+        WHERE id = %s
+        """,
+        (capability_id,),
+    )
+    cap = cur.fetchone()
+    if not cap or not cap.get("active"):
+        return {
+            "allowed": False,
+            "reason": "capability_not_found",
+            "account_state": account_state,
+            "club_roles": club_roles,
+            "linked_feature_id": None,
+        }
+
+    min_state = cap.get("min_account_state") or "active_member"
+    if not account_state_satisfies(account_state, min_state):
+        return {
+            "allowed": False,
+            "reason": "account_state_insufficient",
+            "account_state": account_state,
+            "club_roles": club_roles,
+            "linked_feature_id": cap.get("linked_feature_id"),
+        }
+
+    domain = (cap.get("domain") or "").strip().lower()
+
+    # Plattform-Capabilities
+    if domain == "platform" or capability_id.startswith("platform."):
+        role_lc = (tenant.global_role or "").lower()
+        if not is_platform_admin(role_lc):
+            return {
+                "allowed": False,
+                "reason": "portal_role_required",
+                "account_state": account_state,
+                "club_roles": club_roles,
+                "linked_feature_id": cap.get("linked_feature_id"),
+            }
+        cur.execute(
+            """
+            SELECT 1 FROM portal_role_capability_grants
+            WHERE portal_role = %s AND capability_id = %s
+            LIMIT 1
+            """,
+            (role_lc, capability_id),
+        )
+        if not cur.fetchone():
+            return {
+                "allowed": False,
+                "reason": "portal_capability_denied",
+                "account_state": account_state,
+                "club_roles": club_roles,
+                "linked_feature_id": cap.get("linked_feature_id"),
+            }
+        return {
+            "allowed": True,
+            "reason": "portal_granted",
+            "account_state": account_state,
+            "club_roles": club_roles,
+            "linked_feature_id": cap.get("linked_feature_id"),
+        }
+
+    # Plattform-Admin-Bypass für Mandanten-Funktionen (Audit-Pflicht, s. Katalog §9)
+    if is_platform_admin(tenant.global_role):
+        return {
+            "allowed": True,
+            "reason": "platform_admin_bypass",
+            "account_state": account_state,
+            "club_roles": club_roles,
+            "linked_feature_id": cap.get("linked_feature_id"),
+        }
+
+    # Vereins-Capabilities: aktive Mitgliedschaft im Zielverein
+    if min_state == "active_member":
+        if eff_club is None:
+            return {
+                "allowed": False,
+                "reason": "no_club_context",
+                "account_state": account_state,
+                "club_roles": club_roles,
+                "linked_feature_id": cap.get("linked_feature_id"),
+            }
+        if eff_club not in tenant.club_ids:
+            return {
+                "allowed": False,
+                "reason": "not_club_member",
+                "account_state": account_state,
+                "club_roles": club_roles,
+                "linked_feature_id": cap.get("linked_feature_id"),
+            }
+
+    cur.execute(
+        """
+        SELECT role_code FROM club_role_capability_grants
+        WHERE capability_id = %s
+        """,
+        (capability_id,),
+    )
+    required_roles = [r["role_code"] for r in cur.fetchall()]
+
+    if required_roles:
+        if not any(r in required_roles for r in club_roles):
+            return {
+                "allowed": False,
+                "reason": "club_role_denied",
+                "account_state": account_state,
+                "club_roles": club_roles,
+                "linked_feature_id": cap.get("linked_feature_id"),
+            }
+    elif min_state == "active_member" and eff_club is not None:
+        # Offene Capability für alle aktiven Mitglieder — Mitgliedschaft reicht
+        pass
+
+    return {
+        "allowed": True,
+        "reason": "granted",
+        "account_state": account_state,
+        "club_roles": club_roles,
+        "linked_feature_id": cap.get("linked_feature_id"),
+    }
+
+
+def resolve_capabilities_map(
+    cur,
+    tenant: "TenantContext",
+    *,
+    club_id: Optional[int] = None,
+) -> Dict[str, bool]:
+    """Alle aktiven Capabilities → bool (für späteres /me/entitlements)."""
+    cur.execute("SELECT id FROM capabilities WHERE active = true ORDER BY id")
+    ids = [r["id"] for r in cur.fetchall()]
+    out: Dict[str, bool] = {}
+    for cid in ids:
+        res = check_capability(cur, tenant, cid, club_id=club_id)
+        out[cid] = bool(res.get("allowed"))
+    return out
+
+
+def probe_capability(
+    tenant: "TenantContext",
+    capability_id: str,
+    *,
+    action: str,
+    club_id: Optional[int] = None,
+    endpoint: Optional[str] = None,
+    conn=None,
+) -> Dict[str, Any]:
+    """Phase 2: Capability prüfen + JSON-Log; blockiert nur bei CAPABILITY_ENFORCE=1."""
+    from capability_logger import log_capability_check
+
+    def _run(c):
+        cur = get_cursor(c)
+        result = check_capability(cur, tenant, capability_id, club_id=club_id)
+        log_capability_check(
+            club_id=club_id if club_id is not None else tenant.effective_club_id,
+            profile_id=tenant.profile_id,
+            capability_id=capability_id,
+            action=action,
+            result=result,
+            endpoint=endpoint,
+            phase="enforce" if capability_enforcement_enabled() else "probe",
+        )
+        if capability_enforcement_enabled() and not result.get("allowed"):
+            raise HTTPException(
+                status_code=403,
+                detail=(
+                    f"Keine Berechtigung für {capability_id} "
+                    f"({result.get('reason', 'denied')})."
+                ),
+            )
+        return result
+
+    if conn is not None:
+        return _run(conn)
+    with get_db() as c:
+        return _run(c)
diff --git a/backend/capability_logger.py b/backend/capability_logger.py
new file mode 100644
index 0000000..ccc905d
--- /dev/null
+++ b/backend/capability_logger.py
@@ -0,0 +1,64 @@
+"""
+JSON-Log für Capability-Checks (M3 Phase 2 — analog club_feature_logger).
+"""
+from __future__ import annotations
+
+import json
+import logging
+import os
+from datetime import datetime, timezone
+from pathlib import Path
+from typing import Any, Dict, Optional
+
+
+def _log_dir() -> Path:
+    custom = (os.getenv("CAPABILITY_LOG_DIR") or "").strip()
+    if custom:
+        return Path(custom)
+    return Path("/app/logs")
+
+
+capability_logger = logging.getLogger("shinkan.capability_usage")
+capability_logger.setLevel(logging.INFO)
+capability_logger.propagate = False
+
+if not capability_logger.handlers:
+    log_dir = _log_dir()
+    try:
+        log_dir.mkdir(parents=True, exist_ok=True)
+        log_file = log_dir / "capability-usage.log"
+        file_handler = logging.FileHandler(log_file, encoding="utf-8")
+        file_handler.setLevel(logging.INFO)
+        file_handler.setFormatter(logging.Formatter("%(message)s"))
+        capability_logger.addHandler(file_handler)
+    except OSError:
+        stream_handler = logging.StreamHandler()
+        stream_handler.setFormatter(logging.Formatter("[capability-usage] %(message)s"))
+        capability_logger.addHandler(stream_handler)
+
+
+def log_capability_check(
+    *,
+    club_id: Optional[int],
+    profile_id: Optional[int],
+    capability_id: str,
+    action: str,
+    result: Dict[str, Any],
+    endpoint: Optional[str] = None,
+    phase: str = "probe",
+) -> None:
+    entry = {
+        "timestamp": datetime.now(timezone.utc).isoformat(),
+        "club_id": club_id,
+        "profile_id": profile_id,
+        "capability": capability_id,
+        "action": action,
+        "endpoint": endpoint,
+        "phase": phase,
+        "allowed": result.get("allowed", True),
+        "reason": result.get("reason", "unknown"),
+        "account_state": result.get("account_state"),
+        "club_roles": result.get("club_roles"),
+        "enforcement": os.getenv("CAPABILITY_ENFORCE", "0") == "1",
+    }
+    capability_logger.info(json.dumps(entry, ensure_ascii=False))
diff --git a/backend/club_features.py b/backend/club_features.py
index 0bda5df..bc1ef25 100644
--- a/backend/club_features.py
+++ b/backend/club_features.py
@@ -446,8 +446,9 @@ def increment_club_feature_usage(
             _run(c)
 
 
-def list_club_entitlements(cur, club_id: int) -> Dict[str, Any]:
-    """Alle aktiven Shinkan-Features mit effektivem Limit und Verbrauch (für API/UI)."""
+def list_club_entitlements(cur, club_id: int, *, conn=None) -> Dict[str, Any]:
+    """Alle aktiven Shinkan-Features mit effektivem Limit und Verbrauch (Liste, intern)."""
+    db_conn = conn if conn is not None else cur.connection
     plan_id = get_effective_club_plan(cur, club_id)
     cur.execute(
         """
@@ -461,7 +462,7 @@ def list_club_entitlements(cur, club_id: int) -> Dict[str, Any]:
     features_out = []
     for row in rows:
         fid = row["id"]
-        access = _check_club_impl(club_id, fid, cur.connection)
+        access = _check_club_impl(club_id, fid, db_conn)
         features_out.append(
             {
                 "id": fid,
@@ -474,6 +475,32 @@ def list_club_entitlements(cur, club_id: int) -> Dict[str, Any]:
                 "used": access.get("used"),
                 "remaining": access.get("remaining"),
                 "reason": access.get("reason"),
+                "reset_at": access.get("reset_at"),
             }
         )
     return {"club_id": club_id, "plan_id": plan_id, "features": features_out}
+
+
+def club_features_map(cur, club_id: int, *, conn=None) -> Dict[str, Any]:
+    """Feature-Kontingente als Dict feature_id → Zustand (für /me/entitlements)."""
+    raw = list_club_entitlements(cur, club_id, conn=conn)
+    features_dict: Dict[str, Any] = {}
+    for row in raw.get("features") or []:
+        fid = row["id"]
+        features_dict[fid] = {
+            "name": row.get("name"),
+            "category": row.get("category"),
+            "limit_type": row.get("limit_type"),
+            "reset_period": row.get("reset_period"),
+            "allowed": row.get("allowed"),
+            "limit": row.get("limit"),
+            "used": row.get("used"),
+            "remaining": row.get("remaining"),
+            "reason": row.get("reason"),
+            "reset_at": row.get("reset_at"),
+        }
+    return {
+        "club_id": raw.get("club_id"),
+        "plan_id": raw.get("plan_id"),
+        "features": features_dict,
+    }
diff --git a/backend/entitlements.py b/backend/entitlements.py
new file mode 100644
index 0000000..60cced8
--- /dev/null
+++ b/backend/entitlements.py
@@ -0,0 +1,89 @@
+"""
+Zusammenstellung effektiver Rechte für GET /api/me/entitlements (M4).
+
+Spez: CAPABILITY_CATALOG.v1.md §7.1, CLUB_MEMBERSHIP_AND_FEATURES.v1.md §8.1
+"""
+from __future__ import annotations
+
+from datetime import datetime
+from typing import Any, Dict, Optional, TYPE_CHECKING
+
+from fastapi import HTTPException
+
+from capabilities import club_roles_in_club, resolve_capabilities_map
+from club_features import club_features_map
+from club_tenancy import is_platform_admin
+from tenant_context import _club_exists
+
+if TYPE_CHECKING:
+    from tenant_context import TenantContext
+
+
+def _serialize_reset_at(value: Any) -> Optional[str]:
+    if value is None:
+        return None
+    if isinstance(value, datetime):
+        if value.tzinfo is None:
+            return value.replace(tzinfo=None).isoformat() + "Z"
+        return value.isoformat()
+    return str(value)
+
+
+def _resolve_target_club_id(
+    cur,
+    tenant: "TenantContext",
+    club_id: Optional[int],
+) -> Optional[int]:
+    """Effektiver Verein für Entitlements (Query > Tenant)."""
+    target = int(club_id) if club_id is not None else tenant.effective_club_id
+    if target is None:
+        return None
+
+    if is_platform_admin(tenant.global_role):
+        if not _club_exists(cur, target):
+            raise HTTPException(status_code=400, detail="Verein nicht gefunden")
+        return target
+
+    if target not in tenant.club_ids:
+        raise HTTPException(status_code=403, detail="Keine Mitgliedschaft in diesem Verein")
+    return target
+
+
+def build_me_entitlements(
+    cur,
+    tenant: "TenantContext",
+    *,
+    club_id: Optional[int] = None,
+) -> Dict[str, Any]:
+    """
+    Kombiniert Account-Status, Capabilities und Feature-Kontingente.
+    """
+    target_club = _resolve_target_club_id(cur, tenant, club_id)
+    club_roles = club_roles_in_club(tenant, target_club) if target_club is not None else []
+
+    capabilities = resolve_capabilities_map(cur, tenant, club_id=target_club)
+
+    features: Dict[str, Any] = {}
+    plan_id = None
+    if target_club is not None:
+        raw = club_features_map(cur, target_club)
+        plan_id = raw.get("plan_id")
+        for fid, row in (raw.get("features") or {}).items():
+            features[fid] = {
+                "allowed": row.get("allowed"),
+                "used": row.get("used"),
+                "limit": row.get("limit"),
+                "remaining": row.get("remaining"),
+                "reset_at": _serialize_reset_at(row.get("reset_at")),
+                "reason": row.get("reason"),
+            }
+
+    return {
+        "account_state": tenant.account_state,
+        "portal_role": tenant.global_role,
+        "club_id": target_club,
+        "plan_id": plan_id,
+        "club_roles": club_roles,
+        "capabilities": capabilities,
+        "features": features,
+    }
diff --git a/backend/main.py b/backend/main.py
index 93b1e36..81884bf 100644
--- a/backend/main.py
+++ b/backend/main.py
@@ -193,7 +193,7 @@ def read_root():
     return out
 
 # Register routers
-from routers import auth, profiles, exercises, exercise_progression_graphs, clubs, club_memberships, club_join_requests, admin_users, admin_user_content, platform_media_storage, media_assets, skills, skill_profiles, training_planning, planning_exercise_suggest, dashboard, training_modules, training_framework_programs, catalogs, maturity_models, matrix_stack_bundle, matrix_editor, import_wiki, import_wiki_admin, legal_documents, content_reports, ai_prompts_admin, ai_skill_retrieval_admin, exercise_enrichment_admin
+from routers import auth, profiles, exercises, exercise_progression_graphs, clubs, club_memberships, club_join_requests, admin_users, admin_user_content, me_entitlements, platform_media_storage, media_assets, skills, skill_profiles, training_planning, planning_exercise_suggest, dashboard, training_modules, training_framework_programs, catalogs, maturity_models, matrix_stack_bundle, matrix_editor, import_wiki, import_wiki_admin, legal_documents, content_reports, ai_prompts_admin, ai_skill_retrieval_admin, exercise_enrichment_admin
 
 app.include_router(auth.router)
 app.include_router(profiles.router)
@@ -204,6 +204,7 @@ app.include_router(club_memberships.router)
 app.include_router(club_join_requests.router)
 app.include_router(admin_users.router)
 app.include_router(admin_user_content.router)
+app.include_router(me_entitlements.router)
 app.include_router(platform_media_storage.router)
 app.include_router(media_assets.router)
 app.include_router(media_assets.admin_rights_router)
diff --git a/backend/migrations/079_capabilities.sql b/backend/migrations/079_capabilities.sql
new file mode 100644
index 0000000..4c6ae24
--- /dev/null
+++ b/backend/migrations/079_capabilities.sql
@@ -0,0 +1,211 @@
+-- Migration 079: Capability-Registry + Rollen-Grants (M3 / CAPABILITY_CATALOG.v1.md C1)
+-- Account-Gates und Enforcement in Python (account_lifecycle.py, capabilities.py).
+
+CREATE TABLE IF NOT EXISTS capabilities (
+    id                  TEXT PRIMARY KEY,
+    name                TEXT NOT NULL,
+    description         TEXT,
+    domain              TEXT NOT NULL,
+    min_account_state   TEXT NOT NULL DEFAULT 'active_member'
+        CHECK (min_account_state IN (
+            'unverified', 'verified_pending_club', 'active_member', 'platform_admin'
+        )),
+    linked_feature_id   TEXT REFERENCES features(id) ON DELETE SET NULL,
+    active              BOOLEAN NOT NULL DEFAULT true,
+    created_at          TIMESTAMPTZ NOT NULL DEFAULT NOW(),
+    updated_at          TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);
+
+CREATE INDEX IF NOT EXISTS idx_capabilities_domain ON capabilities(domain) WHERE active = true;
+
+CREATE TABLE IF NOT EXISTS club_role_capability_grants (
+    role_code       TEXT NOT NULL,
+    capability_id   TEXT NOT NULL REFERENCES capabilities(id) ON DELETE CASCADE,
+    PRIMARY KEY (role_code, capability_id)
+);
+
+CREATE INDEX IF NOT EXISTS idx_club_role_cap_grants_cap ON club_role_capability_grants(capability_id);
+
+CREATE TABLE IF NOT EXISTS portal_role_capability_grants (
+    portal_role     TEXT NOT NULL,
+    capability_id   TEXT NOT NULL REFERENCES capabilities(id) ON DELETE CASCADE,
+    PRIMARY KEY (portal_role, capability_id)
+);
+
+-- ── Seed: Capabilities (v1 Katalog §5) ───────────────────────────────────────
+INSERT INTO capabilities (id, name, domain, min_account_state, linked_feature_id) VALUES
+    ('account.settings.read', 'Einstellungen lesen', 'account', 'unverified', NULL),
+    ('account.settings.update', 'Einstellungen ändern', 'account', 'unverified', NULL),
+    ('account.password.change', 'Passwort ändern', 'account', 'unverified', NULL),
+    ('account.resend_verification', 'Verifizierung erneut senden', 'account', 'unverified', NULL),
+    ('club.directory.read', 'Vereinsverzeichnis', 'club', 'verified_pending_club', NULL),
+    ('club.join_request.create', 'Vereinsbeitritt beantragen', 'club', 'verified_pending_club', NULL),
+    ('club.join_request.withdraw', 'Beitrittsantrag zurückziehen', 'club', 'verified_pending_club', NULL),
+    ('club.join_request.read_own', 'Eigene Beitrittsanträge', 'club', 'verified_pending_club', NULL),
+    ('org.club.read', 'Vereine lesen', 'org', 'active_member', NULL),
+    ('org.club.create', 'Verein anlegen', 'org', 'platform_admin', NULL),
+    ('org.club.update', 'Verein bearbeiten', 'org', 'active_member', NULL),
+    ('org.club.delete', 'Verein löschen', 'org', 'platform_admin', NULL),
+    ('org.structure.manage', 'Vereinsstruktur verwalten', 'org', 'active_member', 'training_groups'),
+    ('org.members.read', 'Mitgliederliste', 'org', 'active_member', NULL),
+    ('org.members.manage', 'Mitglieder verwalten', 'org', 'active_member', 'active_members'),
+    ('org.members.directory', 'Mitglieder-Verzeichnis', 'org', 'active_member', NULL),
+    ('org.join_request.review', 'Beitrittsanträge prüfen', 'org', 'active_member', NULL),
+    ('org.inbox.read', 'Posteingang', 'org', 'active_member', NULL),
+    ('exercises.read', 'Übungen lesen', 'exercises', 'active_member', NULL),
+    ('exercises.create', 'Übung anlegen', 'exercises', 'active_member', 'exercises'),
+    ('exercises.update', 'Übung bearbeiten', 'exercises', 'active_member', NULL),
+    ('exercises.delete', 'Übung löschen', 'exercises', 'active_member', NULL),
+    ('exercises.bulk_metadata', 'Übungen Stapel-Metadaten', 'exercises', 'active_member', NULL),
+    ('exercises.ai.suggest', 'KI-Vorschlag Übung', 'exercises', 'active_member', 'ai_calls'),
+    ('exercises.ai.regenerate', 'KI neu generieren', 'exercises', 'active_member', 'ai_calls'),
+    ('exercises.media.read', 'Übungsmedien lesen', 'exercises', 'active_member', NULL),
+    ('exercises.media.upload', 'Übungsmedien hochladen', 'exercises', 'active_member', 'exercise_media'),
+    ('exercises.variants.manage', 'Übungsvarianten', 'exercises', 'active_member', NULL),
+    ('media.library.read', 'Medienbibliothek lesen', 'media', 'active_member', NULL),
+    ('media.library.upload', 'Medienbibliothek Upload', 'media', 'active_member', 'exercise_media'),
+    ('media.library.update', 'Medienbibliothek bearbeiten', 'media', 'active_member', NULL),
+    ('media.library.lifecycle', 'Medien-Lifecycle', 'media', 'active_member', NULL),
+    ('media.rights.declare', 'Medienrechte erklären', 'media', 'active_member', NULL),
+    ('media.admin.rights_review', 'Medienrechte Review (Plattform)', 'media', 'platform_admin', NULL),
+    ('modules.read', 'Trainingsmodule lesen', 'modules', 'active_member', NULL),
+    ('modules.create', 'Trainingsmodul anlegen', 'modules', 'active_member', 'training_programs'),
+    ('modules.update', 'Trainingsmodul bearbeiten', 'modules', 'active_member', NULL),
+    ('modules.delete', 'Trainingsmodul löschen', 'modules', 'active_member', NULL),
+    ('framework.read', 'Rahmenprogramme lesen', 'framework', 'active_member', NULL),
+    ('framework.create', 'Rahmenprogramm anlegen', 'framework', 'active_member', 'training_programs'),
+    ('framework.update', 'Rahmenprogramm bearbeiten', 'framework', 'active_member', NULL),
+    ('framework.delete', 'Rahmenprogramm löschen', 'framework', 'active_member', NULL),
+    ('plan_templates.read', 'Planungsvorlagen lesen', 'planning', 'active_member', NULL),
+    ('plan_templates.manage', 'Planungsvorlagen verwalten', 'planning', 'active_member', NULL),
+    ('progression.read', 'Progressionspfade lesen', 'progression', 'active_member', NULL),
+    ('progression.manage', 'Progressionspfade verwalten', 'progression', 'active_member', NULL),
+    ('planning.calendar.read', 'Planungskalender lesen', 'planning', 'active_member', NULL),
+    ('planning.units.create', 'Trainingseinheit anlegen', 'planning', 'active_member', 'training_units'),
+    ('planning.units.update', 'Trainingseinheit bearbeiten', 'planning', 'active_member', NULL),
+    ('planning.units.delete', 'Trainingseinheit löschen', 'planning', 'active_member', NULL),
+    ('planning.units.run', 'Training durchführen', 'planning', 'active_member', NULL),
+    ('planning.coach.execute', 'Coach ausführen', 'planning', 'active_member', NULL),
+    ('planning.ai.suggest', 'Planungs-KI Suggest', 'planning', 'active_member', 'ai_calls'),
+    ('planning.ai.progression_path', 'Planungs-KI Progressionspfad', 'planning', 'active_member', 'ai_calls'),
+    ('skills.catalog.read', 'Fähigkeitenkatalog', 'skills', 'active_member', NULL),
+    ('skills.discovery.read', 'Fähigkeiten-Discovery', 'skills', 'active_member', NULL),
+    ('skill_profiles.read', 'Skill-Profile lesen', 'skills', 'active_member', NULL),
+    ('governance.content_report.create', 'Inhalt melden', 'governance', 'active_member', NULL),
+    ('governance.content_report.review', 'Meldungen prüfen', 'governance', 'active_member', NULL),
+    ('platform.admin.access', 'Plattform-Admin-Bereich', 'platform', 'platform_admin', NULL),
+    ('platform.users.manage', 'Nutzer verwalten', 'platform', 'platform_admin', NULL),
+    ('platform.catalogs.manage', 'Kataloge verwalten', 'platform', 'platform_admin', NULL),
+    ('platform.maturity_models.manage', 'Reifegradmodelle', 'platform', 'platform_admin', NULL),
+    ('platform.wiki_import.execute', 'Wiki-Import', 'platform', 'platform_admin', 'wiki_import'),
+    ('platform.ai_prompts.manage', 'KI-Prompts verwalten', 'platform', 'platform_admin', NULL),
+    ('platform.exercise_enrichment.execute', 'Übungs-Anreicherung KI', 'platform', 'platform_admin', 'ai_calls'),
+    ('platform.user_content.moderate', 'Nutzer-Inhalte moderieren', 'platform', 'platform_admin', NULL),
+    ('platform.legal_documents.manage', 'Rechtstexte verwalten', 'platform', 'platform_admin', NULL),
+    ('platform.media_storage.manage', 'Medienspeicher verwalten', 'platform', 'platform_admin', NULL),
+    ('platform.club_creation.approve', 'Vereinsgründung freigeben', 'platform', 'platform_admin', NULL)
+ON CONFLICT (id) DO NOTHING;
+
+-- ── Vereinsrollen-Grants (§6 — nur eingeschränkte Capabilities) ─────────────
+-- Konvention: keine Grant-Zeile = alle aktiven Mitglieder (min_account_state reicht).
+
+INSERT INTO club_role_capability_grants (role_code, capability_id)
+SELECT r.role_code, c.cap_id
+FROM (VALUES
+    ('club_admin', 'org.structure.manage'),
+    ('division_lead', 'org.structure.manage'),
+    ('club_admin', 'org.members.manage'),
+    ('club_admin', 'org.join_request.review'),
+    ('club_admin', 'org.inbox.read'),
+    ('club_admin', 'exercises.create'),
+    ('trainer', 'exercises.create'),
+    ('content_editor', 'exercises.create'),
+    ('division_lead', 'exercises.create'),
+    ('club_admin', 'exercises.update'),
+    ('trainer', 'exercises.update'),
+    ('content_editor', 'exercises.update'),
+    ('division_lead', 'exercises.update'),
+    ('club_admin', 'exercises.delete'),
+    ('club_admin', 'exercises.bulk_metadata'),
+    ('content_editor', 'exercises.bulk_metadata'),
+    ('club_admin', 'exercises.ai.suggest'),
+    ('trainer', 'exercises.ai.suggest'),
+    ('content_editor', 'exercises.ai.suggest'),
+    ('division_lead', 'exercises.ai.suggest'),
+    ('club_admin', 'exercises.ai.regenerate'),
+    ('trainer', 'exercises.ai.regenerate'),
+    ('content_editor', 'exercises.ai.regenerate'),
+    ('division_lead', 'exercises.ai.regenerate'),
+    ('club_admin', 'exercises.media.upload'),
+    ('trainer', 'exercises.media.upload'),
+    ('content_editor', 'exercises.media.upload'),
+    ('club_admin', 'exercises.variants.manage'),
+    ('trainer', 'exercises.variants.manage'),
+    ('content_editor', 'exercises.variants.manage'),
+    ('club_admin', 'media.library.upload'),
+    ('trainer', 'media.library.upload'),
+    ('content_editor', 'media.library.upload'),
+    ('club_admin', 'media.library.update'),
+    ('trainer', 'media.library.update'),
+    ('content_editor', 'media.library.update'),
+    ('club_admin', 'media.library.lifecycle'),
+    ('trainer', 'media.library.lifecycle'),
+    ('club_admin', 'media.rights.declare'),
+    ('trainer', 'media.rights.declare'),
+    ('club_admin', 'modules.create'),
+    ('trainer', 'modules.create'),
+    ('content_editor', 'modules.create'),
+    ('club_admin', 'modules.update'),
+    ('trainer', 'modules.update'),
+    ('content_editor', 'modules.update'),
+    ('club_admin', 'modules.delete'),
+    ('club_admin', 'framework.create'),
+    ('trainer', 'framework.create'),
+    ('club_admin', 'framework.update'),
+    ('trainer', 'framework.update'),
+    ('club_admin', 'framework.delete'),
+    ('club_admin', 'plan_templates.manage'),
+    ('trainer', 'plan_templates.manage'),
+    ('club_admin', 'progression.manage'),
+    ('trainer', 'progression.manage'),
+    ('content_editor', 'progression.manage'),
+    ('club_admin', 'planning.units.create'),
+    ('trainer', 'planning.units.create'),
+    ('division_lead', 'planning.units.create'),
+    ('club_admin', 'planning.units.update'),
+    ('trainer', 'planning.units.update'),
+    ('division_lead', 'planning.units.update'),
+    ('club_admin', 'planning.units.delete'),
+    ('trainer', 'planning.units.delete'),
+    ('club_admin', 'planning.units.run'),
+    ('trainer', 'planning.units.run'),
+    ('division_lead', 'planning.units.run'),
+    ('club_admin', 'planning.coach.execute'),
+    ('trainer', 'planning.coach.execute'),
+    ('club_admin', 'planning.ai.suggest'),
+    ('trainer', 'planning.ai.suggest'),
+    ('division_lead', 'planning.ai.suggest'),
+    ('club_admin', 'planning.ai.progression_path'),
+    ('trainer', 'planning.ai.progression_path'),
+    ('division_lead', 'planning.ai.progression_path'),
+    ('club_admin', 'skills.discovery.read'),
+    ('trainer', 'skills.discovery.read'),
+    ('content_editor', 'skills.discovery.read'),
+    ('club_admin', 'governance.content_report.review')
+) AS r(role_code, cap_id)
+JOIN capabilities c ON c.id = r.cap_id
+ON CONFLICT DO NOTHING;
+
+-- org.club.update: club_admin (zusätzlich zu platform_admin via Bypass)
+INSERT INTO club_role_capability_grants (role_code, capability_id)
+VALUES ('club_admin', 'org.club.update')
+ON CONFLICT DO NOTHING;
+
+-- ── Portal-Rollen ───────────────────────────────────────────────────────────
+INSERT INTO portal_role_capability_grants (portal_role, capability_id)
+SELECT 'admin', id FROM capabilities WHERE id = 'platform.admin.access'
+ON CONFLICT DO NOTHING;
+
+INSERT INTO portal_role_capability_grants (portal_role, capability_id)
+SELECT 'superadmin', id FROM capabilities WHERE domain = 'platform'
+ON CONFLICT DO NOTHING;
diff --git a/backend/routers/exercises.py b/backend/routers/exercises.py
index 879296e..5b63e66 100644
--- a/backend/routers/exercises.py
+++ b/backend/routers/exercises.py
@@ -37,6 +37,8 @@ from media_rights import assert_rights_for_exercise_link, validate_rights_declar
 from media_legal_hold import assert_not_under_legal_hold
 from ai_prompt_context import ExerciseFormAiFocusRow, ExerciseFormAiPromptContext
 from ai_prompt_job import run_exercise_form_ai_suggestion
+from account_lifecycle import assert_min_account_state
+from capabilities import probe_capability
 from club_features import probe_club_feature_access, resolve_club_id_for_probe
 
 from exercise_rich_text import (
@@ -2318,6 +2320,14 @@ def exercise_ai_suggest_endpoint(
     KI-Vorschlaege (Kurzfassung und/oder Skill-Zuordnung) ohne Speichern.
     OPENROUTER_API_KEY erforderlich.
     """
+    assert_min_account_state(tenant, "active_member", endpoint="POST /exercises/ai/suggest")
+    probe_capability(
+        tenant,
+        "exercises.ai.suggest",
+        action="suggest",
+        club_id=resolve_club_id_for_probe(tenant),
+        endpoint="POST /exercises/ai/suggest",
+    )
     probe_club_feature_access(
         feature_id="ai_calls",
         action="suggest",
@@ -2344,6 +2354,14 @@ def exercise_ai_regenerate_endpoint(
     tenant: TenantContext = Depends(get_tenant_context),
 ):
     """Neu-Anfrage KI fuer eine gespeicherte Uebung; schreibendes Ergebnis nur im Frontend (PUT)."""
+    assert_min_account_state(tenant, "active_member", endpoint="POST /exercises/{id}/ai/regenerate")
+    probe_capability(
+        tenant,
+        "exercises.ai.regenerate",
+        action="regenerate",
+        club_id=resolve_club_id_for_probe(tenant),
+        endpoint="POST /exercises/{id}/ai/regenerate",
+    )
     probe_club_feature_access(
         feature_id="ai_calls",
         action="regenerate",
@@ -2436,6 +2454,14 @@ def create_exercise(
         club_id = tenant.effective_club_id
 
     if club_id is not None:
+        assert_min_account_state(tenant, "active_member", endpoint="POST /exercises")
+        probe_capability(
+            tenant,
+            "exercises.create",
+            action="create",
+            club_id=int(club_id),
+            endpoint="POST /exercises",
+        )
         probe_club_feature_access(
             feature_id="exercises",
             action="create",
@@ -3245,6 +3271,15 @@ async def upload_exercise_media(
             ex_club = cur.fetchone()
             media_club_id = ex_club.get("club_id") if ex_club else None
             if media_club_id is not None:
+                assert_min_account_state(tenant, "active_member", endpoint="POST /exercises/{id}/media")
+                probe_capability(
+                    tenant,
+                    "exercises.media.upload",
+                    action="upload",
+                    club_id=int(media_club_id),
+                    endpoint="POST /exercises/{id}/media",
+                    conn=conn,
+                )
                 probe_club_feature_access(
                     feature_id="exercise_media",
                     action="upload",
diff --git a/backend/routers/me_entitlements.py b/backend/routers/me_entitlements.py
new file mode 100644
index 0000000..90dd4a9
--- /dev/null
+++ b/backend/routers/me_entitlements.py
@@ -0,0 +1,27 @@
+"""
+GET /api/me/entitlements — effektive Capabilities + Feature-Kontingente (M4).
+"""
+from typing import Optional
+
+from fastapi import APIRouter, Depends, Query
+
+from db import get_db, get_cursor
+from entitlements import build_me_entitlements
+from tenant_context import TenantContext, get_tenant_context
+
+router = APIRouter(prefix="/api", tags=["entitlements"])
+
+
+@router.get("/me/entitlements")
+def get_me_entitlements(
+    tenant: TenantContext = Depends(get_tenant_context),
+    club_id: Optional[int] = Query(default=None, ge=1, description="Verein (Default: effective_club_id)"),
+):
+    """
+    Effektive Rechte für Frontend: Account-Status, Capabilities, Feature-Limits.
+
+    Spez: CAPABILITY_CATALOG.v1.md §7.1
+    """
+    with get_db() as conn:
+        cur = get_cursor(conn)
+        return build_me_entitlements(cur, tenant, club_id=club_id)
diff --git a/backend/routers/planning_exercise_suggest.py b/backend/routers/planning_exercise_suggest.py
index 229219e..9bcba18 100644
--- a/backend/routers/planning_exercise_suggest.py
+++ b/backend/routers/planning_exercise_suggest.py
@@ -7,6 +7,8 @@ from db import get_db, get_cursor
 from tenant_context import TenantContext, get_tenant_context
 from planning_exercise_suggest import PlanningExerciseSuggestRequest, suggest_planning_exercises
 from planning_exercise_path_builder import ProgressionPathSuggestRequest, suggest_progression_path
+from account_lifecycle import assert_min_account_state
+from capabilities import probe_capability
 from club_features import probe_club_feature_access, resolve_club_id_for_probe
 
 router = APIRouter(prefix="/api/planning", tags=["planning_exercise_suggest"])
@@ -18,6 +20,14 @@ def post_planning_exercise_suggest(
     tenant: TenantContext = Depends(get_tenant_context),
 ):
     if body.include_llm_intent or body.include_llm_rank:
+        assert_min_account_state(tenant, "active_member", endpoint="POST /planning/exercise-suggest")
+        probe_capability(
+            tenant,
+            "planning.ai.suggest",
+            action="planning_suggest",
+            club_id=resolve_club_id_for_probe(tenant),
+            endpoint="POST /planning/exercise-suggest",
+        )
         probe_club_feature_access(
             feature_id="ai_calls",
             action="planning_suggest",
@@ -40,6 +50,16 @@ def post_progression_path_suggest(
         or body.include_llm_path_qa
         or body.include_ai_gap_fill
     ):
+        assert_min_account_state(
+            tenant, "active_member", endpoint="POST /planning/progression-path-suggest"
+        )
+        probe_capability(
+            tenant,
+            "planning.ai.progression_path",
+            action="progression_path_suggest",
+            club_id=resolve_club_id_for_probe(tenant),
+            endpoint="POST /planning/progression-path-suggest",
+        )
         probe_club_feature_access(
             feature_id="ai_calls",
             action="progression_path_suggest",
diff --git a/backend/routers/profiles.py b/backend/routers/profiles.py
index c554b3e..ad4c950 100644
--- a/backend/routers/profiles.py
+++ b/backend/routers/profiles.py
@@ -22,6 +22,7 @@ from club_tenancy import (
     is_superadmin,
     memberships_with_roles,
 )
+from capabilities import club_roles_in_club
 from tenant_context import resolve_tenant_context, TenantContext, get_tenant_context
 from models import ProfileCreate, ProfileUpdate
 
@@ -118,6 +119,11 @@ def get_current_profile(
             invalid_header_policy="ignore",
         )
         data["effective_club_id"] = tenant.effective_club_id
+        data["account_state"] = tenant.account_state
+        if tenant.effective_club_id is not None:
+            data["club_roles"] = club_roles_in_club(tenant, tenant.effective_club_id)
+        else:
+            data["club_roles"] = []
         return data
 
 
diff --git a/backend/tenant_context.py b/backend/tenant_context.py
index fe76393..175221e 100644
--- a/backend/tenant_context.py
+++ b/backend/tenant_context.py
@@ -12,6 +12,7 @@ from typing import Any, Dict, List, Optional
 from fastapi import Depends, Header, HTTPException
 
 from auth import require_auth, require_auth_flexible
+from account_lifecycle import resolve_account_state
 from club_tenancy import is_platform_admin, memberships_with_roles
 from db import get_db, get_cursor
 
@@ -142,6 +143,8 @@ class TenantContext:
     effective_club_id: Optional[int]
     club_ids: frozenset[int]
     memberships: List[Dict[str, Any]]
+    email_verified: bool = True
+    account_state: str = "active_member"
 
 
 def resolve_tenant_context(
@@ -153,6 +156,7 @@ def resolve_tenant_context(
     memberships: Optional[List[Dict[str, Any]]] = None,
     stored_active_club_id: Optional[int] = None,
     invalid_header_policy: str = "reject",
+    email_verified: Optional[bool] = None,
 ) -> TenantContext:
     """
     Mitgliedschaften: wenn nicht übergeben, lädt ``active_only=True`` aus der DB.
@@ -176,6 +180,21 @@ def resolve_tenant_context(
 
     club_ids = frozenset(int(r["id"]) for r in membership_rows if r.get("id") is not None)
 
+    if email_verified is None:
+        cur.execute(
+            "SELECT COALESCE(email_verified, false) AS email_verified FROM profiles WHERE id = %s",
+            (profile_id,),
+        )
+        prof_row = cur.fetchone()
+        email_verified = bool(prof_row.get("email_verified")) if prof_row else False
+    else:
+        email_verified = bool(email_verified)
+    account_state = resolve_account_state(
+        email_verified=email_verified,
+        global_role=role_lc,
+        has_active_membership=len(club_ids) > 0,
+    )
+
     if is_platform_admin(role_lc):
         if header_cid is not None:
             if not _club_exists(cur, header_cid):
@@ -194,6 +213,8 @@ def resolve_tenant_context(
             effective_club_id=effective,
             club_ids=club_ids,
             memberships=membership_rows,
+            email_verified=email_verified,
+            account_state=account_state,
         )
 
     chosen_header = header_cid
@@ -222,6 +243,8 @@ def resolve_tenant_context(
         effective_club_id=effective,
         club_ids=club_ids,
         memberships=membership_rows,
+        email_verified=email_verified,
+        account_state=account_state,
     )
 
 
diff --git a/backend/tests/test_access_layer.py b/backend/tests/test_access_layer.py
index d74fe7a..915c0ee 100644
--- a/backend/tests/test_access_layer.py
+++ b/backend/tests/test_access_layer.py
@@ -92,6 +92,7 @@ def test_resolve_platform_admin_uses_stored_club_without_header(monkeypatch):
         header_raw=None,
         memberships=[{"id": 10}],
         stored_active_club_id=99,
+        email_verified=True,
     )
     assert ctx.effective_club_id == 99
 
@@ -110,6 +111,7 @@ def test_resolve_platform_admin_header_overrides_stored(monkeypatch):
         header_raw="5",
         memberships=[{"id": 10}],
         stored_active_club_id=99,
+        email_verified=True,
     )
     assert ctx.effective_club_id == 5
 
@@ -124,6 +126,7 @@ def test_resolve_platform_admin_no_header_stored_invalid(monkeypatch):
         header_raw=None,
         memberships=[{"id": 1}],
         stored_active_club_id=123,
+        email_verified=True,
     )
     assert ctx.effective_club_id is None
 
@@ -142,6 +145,7 @@ def test_resolve_trainer_club_ids_excludes_inactive_memberships():
         ],
         stored_active_club_id=None,
         invalid_header_policy="ignore",
+        email_verified=True,
     )
     assert ctx.club_ids == frozenset({20})
     assert ctx.effective_club_id == 20
@@ -157,6 +161,7 @@ def test_resolve_all_memberships_inactive_no_effective_club():
         memberships=[{"id": 10, "membership_status": "inactive"}],
         stored_active_club_id=10,
         invalid_header_policy="ignore",
+        email_verified=True,
     )
     assert ctx.club_ids == frozenset()
     assert ctx.effective_club_id is None
diff --git a/backend/tests/test_account_capabilities.py b/backend/tests/test_account_capabilities.py
new file mode 100644
index 0000000..6e3d92b
--- /dev/null
+++ b/backend/tests/test_account_capabilities.py
@@ -0,0 +1,86 @@
+"""Unit-Tests für Account-Lifecycle und Capability-Helfer (ohne DB)."""
+import pytest
+from fastapi import HTTPException
+
+from account_lifecycle import (
+    account_state_satisfies,
+    assert_min_account_state,
+    resolve_account_state,
+)
+from capabilities import club_roles_in_club
+from tenant_context import TenantContext
+
+
+def test_resolve_account_state_platform_admin():
+    assert (
+        resolve_account_state(email_verified=False, global_role="superadmin", has_active_membership=False)
+        == "platform_admin"
+    )
+
+
+def test_resolve_account_state_unverified():
+    assert (
+        resolve_account_state(email_verified=False, global_role="trainer", has_active_membership=True)
+        == "unverified"
+    )
+
+
+def test_resolve_account_state_pending_club():
+    assert (
+        resolve_account_state(email_verified=True, global_role="user", has_active_membership=False)
+        == "verified_pending_club"
+    )
+
+
+def test_resolve_account_state_active_member():
+    assert (
+        resolve_account_state(email_verified=True, global_role="trainer", has_active_membership=True)
+        == "active_member"
+    )
+
+
+def test_account_state_satisfies():
+    assert account_state_satisfies("active_member", "active_member")
+    assert account_state_satisfies("active_member", "verified_pending_club")
+    assert not account_state_satisfies("verified_pending_club", "active_member")
+    assert account_state_satisfies("platform_admin", "active_member")
+
+
+def test_assert_min_account_state_blocks(monkeypatch):
+    monkeypatch.setenv("ACCOUNT_GATE_ENFORCE", "1")
+    tenant = TenantContext(
+        profile_id=1,
+        global_role="user",
+        effective_club_id=None,
+        club_ids=frozenset(),
+        memberships=[],
+        account_state="verified_pending_club",
+    )
+    with pytest.raises(HTTPException) as exc:
+        assert_min_account_state(tenant, "active_member")
+    assert exc.value.status_code == 403
+
+
+def test_assert_min_account_state_off(monkeypatch):
+    monkeypatch.setenv("ACCOUNT_GATE_ENFORCE", "0")
+    tenant = TenantContext(
+        profile_id=1,
+        global_role="user",
+        effective_club_id=None,
+        club_ids=frozenset(),
+        memberships=[],
+        account_state="verified_pending_club",
+    )
+    assert_min_account_state(tenant, "active_member")
+
+
+def test_club_roles_in_club():
+    tenant = TenantContext(
+        profile_id=1,
+        global_role="trainer",
+        effective_club_id=5,
+        club_ids=frozenset({5}),
+        memberships=[{"id": 5, "roles": ["trainer", "club_admin"]}],
+    )
+    assert club_roles_in_club(tenant, 5) == ["trainer", "club_admin"]
+    assert club_roles_in_club(tenant, 99) == []
diff --git a/backend/tests/test_entitlements.py b/backend/tests/test_entitlements.py
new file mode 100644
index 0000000..cc50509
--- /dev/null
+++ b/backend/tests/test_entitlements.py
@@ -0,0 +1,75 @@
+"""Tests für GET /me/entitlements Zusammenstellung."""
+from datetime import datetime, timezone
+
+from entitlements import _serialize_reset_at, build_me_entitlements
+from tenant_context import TenantContext
+
+
+def test_serialize_reset_at():
+    dt = datetime(2026, 7, 1, tzinfo=timezone.utc)
+    assert _serialize_reset_at(dt) == "2026-07-01T00:00:00+00:00"
+    assert _serialize_reset_at(None) is None
+
+
+def test_build_me_entitlements_no_club(monkeypatch):
+    monkeypatch.setattr(
+        "entitlements.resolve_capabilities_map",
+        lambda cur, tenant, club_id=None: {"exercises.read": False},
+    )
+
+    tenant = TenantContext(
+        profile_id=1,
+        global_role="user",
+        effective_club_id=None,
+        club_ids=frozenset(),
+        memberships=[],
+        account_state="verified_pending_club",
+    )
+    out = build_me_entitlements(object(), tenant)
+    assert out["account_state"] == "verified_pending_club"
+    assert out["club_id"] is None
+    assert out["features"] == {}
+    assert out["capabilities"]["exercises.read"] is False
+
+
+def test_build_me_entitlements_with_club(monkeypatch):
+    monkeypatch.setattr(
+        "entitlements.resolve_capabilities_map",
+        lambda cur, tenant, club_id=None: {
+            "exercises.read": True,
+            "exercises.ai.suggest": True,
+        },
+    )
+    monkeypatch.setattr(
+        "entitlements.club_features_map",
+        lambda cur, club_id, conn=None: {
+            "plan_id": "free",
+            "club_id": club_id,
+            "features": {
+                "ai_calls": {
+                    "allowed": False,
+                    "used": 0,
+                    "limit": 0,
+                    "remaining": 0,
+                    "reason": "feature_disabled",
+                    "reset_at": None,
+                }
+            },
+        },
+    )
+    monkeypatch.setattr("entitlements._club_exists", lambda cur, cid: True)
+
+    tenant = TenantContext(
+        profile_id=3,
+        global_role="trainer",
+        effective_club_id=1,
+        club_ids=frozenset({1}),
+        memberships=[{"id": 1, "roles": ["trainer"]}],
+        account_state="active_member",
+    )
+    out = build_me_entitlements(object(), tenant, club_id=1)
+    assert out["club_id"] == 1
+    assert out["plan_id"] == "free"
+    assert out["club_roles"] == ["trainer"]
+    assert out["features"]["ai_calls"]["limit"] == 0
+    assert out["capabilities"]["exercises.ai.suggest"] is True
diff --git a/backend/version.py b/backend/version.py
index bab4dec..f8d695f 100644
--- a/backend/version.py
+++ b/backend/version.py
@@ -2,18 +2,21 @@
 
 APP_VERSION = "0.8.190"
 BUILD_DATE = "2026-05-23"
-DB_SCHEMA_VERSION = "20260606078"
+DB_SCHEMA_VERSION = "20260606079"
 
 MODULE_VERSIONS = {
     "legal_documents": "1.4.0",  # Admin: Live-Vorschau pro Abschnitt + modale Vollvorschau (Editor + Dokumentenliste)
     "auth": "1.2.3",  # P-05b: reset-password min_length=8 via Pydantic PasswordResetConfirm
-    "profiles": "1.8.0",  # training_planning_prefs JSONB (Planungs-UI); Patch via ProfileUpdate + Json(), Migration 055
-    "tenant_context": "1.0.5",  # Plattform-Admin: effective_club ohne Header aus Profil active_club_id wenn Verein existiert
+    "profiles": "1.8.1",  # GET /profiles/me: account_state + club_roles
+    "tenant_context": "1.1.0",  # M3: account_state + email_verified im TenantContext
+    "capabilities": "1.0.1",  # resolve_capabilities_map für /me/entitlements
+    "account_lifecycle": "1.0.0",  # resolve_account_state + assert_min_account_state (ACCOUNT_GATE_ENFORCE)
     "clubs": "0.4.1",  # Alle geschützten Endpoints Depends(get_tenant_context); profile_id/role aus TenantContext
     "club_memberships": "1.0.1",  # Depends(get_tenant_context)
     "club_join_requests": "1.0.1",  # Depends(get_tenant_context)
     "admin_users": "1.0.0",  # GET /api/admin/users
-    "club_features": "1.1.0",  # M2: probe_club_feature_access + JSON-Log (Phase 2, non-blocking)
+    "club_features": "1.2.0",  # M4: club_features_map für /me/entitlements
+    "entitlements": "1.0.0",  # GET /api/me/entitlements — capabilities + features
     "platform_media_storage": "1.0.0",  # GET/PUT /api/admin/platform-media-storage (Superadmin-Pfad unter MEDIA_ROOT)
     "media_rights": "1.3.1",  # acting_profile_id in write_audit_log_entry auf Optional[int] (P-13 anonyme Meldungen)
     "media_assets": "1.18.1",  # P-13: open_report_count in Listendaten (fuer Admins)
diff --git a/frontend/src/App.jsx b/frontend/src/App.jsx
index ba38f7f..7d19542 100644
--- a/frontend/src/App.jsx
+++ b/frontend/src/App.jsx
@@ -8,6 +8,7 @@ import {
   Outlet,
 } from 'react-router-dom'
 import { AuthProvider, useAuth } from './context/AuthContext'
+import { EntitlementsProvider } from './context/EntitlementsContext'
 import { FormEditorActionsProvider, FormEditorBottomSlot } from './context/FormEditorActionsContext'
 import { ToastProvider } from './context/ToastContext'
 import { OrgInboxProvider, useOrgInbox } from './context/OrgInboxContext'
@@ -345,11 +346,13 @@ const appRouter = createBrowserRouter([
 function App() {
   return (
     <AuthProvider>
-      <ToastProvider>
-        <Suspense fallback={<AppRouteFallback />}>
-          <RouterProvider router={appRouter} />
-        </Suspense>
-      </ToastProvider>
+      <EntitlementsProvider>
+        <ToastProvider>
+          <Suspense fallback={<AppRouteFallback />}>
+            <RouterProvider router={appRouter} />
+          </Suspense>
+        </ToastProvider>
+      </EntitlementsProvider>
     </AuthProvider>
   )
 }
diff --git a/frontend/src/components/FeatureUsageBadge.jsx b/frontend/src/components/FeatureUsageBadge.jsx
new file mode 100644
index 0000000..9bc7a09
--- /dev/null
+++ b/frontend/src/components/FeatureUsageBadge.jsx
@@ -0,0 +1,40 @@
+import { useEntitlements } from '../context/EntitlementsContext'
+
+/**
+ * Zeigt Vereins-Kontingent für ein Feature (M4 UsageBadge).
+ * Unbegrenzt (limit null) → nichts rendern.
+ */
+export default function FeatureUsageBadge({ featureId = 'ai_calls', label = 'KI-Kontingent' }) {
+  const { entitlements, loading, getFeature } = useEntitlements()
+  const feat = getFeature(featureId)
+
+  if (loading && !feat) {
+    return (
+      <span className="feature-usage-badge muted" style={{ fontSize: '0.8rem' }}>
+        {label}: …
+      </span>
+    )
+  }
+
+  if (!feat) return null
+
+  const { used = 0, limit, remaining, allowed } = feat
+  if (limit == null) return null
+
+  const tone = !allowed || remaining === 0 ? 'var(--danger)' : 'var(--text2)'
+
+  return (
+    <span
+      className="feature-usage-badge"
+      style={{ fontSize: '0.8rem', color: tone }}
+      title={
+        entitlements?.plan_id
+          ? `Plan: ${entitlements.plan_id}`
+          : undefined
+      }
+    >
+      {label}: {used}/{limit}
+      {remaining != null ? ` (${remaining} übrig)` : ''}
+    </span>
+  )
+}
diff --git a/frontend/src/components/exercises/ExerciseFormPageRoot.jsx b/frontend/src/components/exercises/ExerciseFormPageRoot.jsx
index 528f280..3733bd2 100644
--- a/frontend/src/components/exercises/ExerciseFormPageRoot.jsx
+++ b/frontend/src/components/exercises/ExerciseFormPageRoot.jsx
@@ -19,6 +19,7 @@ import { stripHtmlToText } from '../../utils/htmlUtils'
 import ExerciseCatalogAssocEditor from './ExerciseCatalogAssocEditor'
 import ExerciseSkillsEditor from './ExerciseSkillsEditor'
 import { useAuth } from '../../context/AuthContext'
+import FeatureUsageBadge from '../FeatureUsageBadge'
 import { useToast } from '../../context/ToastContext'
 import {
   activeClubMemberships,
@@ -1653,15 +1654,18 @@ function ExerciseFormPageRoot() {
               <label className="form-label" style={{ marginBottom: 0 }}>
                 Kurzbeschreibung
               </label>
-              <button
-                type="button"
-                className="btn btn-secondary"
-                style={{ fontSize: '12px' }}
-                disabled={aiSuggestBusy}
-                onClick={() => runExerciseAiSuggestion('summary')}
-              >
-                KI: Kurzfassung
-              </button>
+              <div style={{ display: 'flex', alignItems: 'center', gap: '8px', flexWrap: 'wrap' }}>
+                <FeatureUsageBadge featureId="ai_calls" />
+                <button
+                  type="button"
+                  className="btn btn-secondary"
+                  style={{ fontSize: '12px' }}
+                  disabled={aiSuggestBusy}
+                  onClick={() => runExerciseAiSuggestion('summary')}
+                >
+                  KI: Kurzfassung
+                </button>
+              </div>
             </div>
             <RichTextEditor
               value={formData.summary}
diff --git a/frontend/src/context/EntitlementsContext.jsx b/frontend/src/context/EntitlementsContext.jsx
new file mode 100644
index 0000000..21241ee
--- /dev/null
+++ b/frontend/src/context/EntitlementsContext.jsx
@@ -0,0 +1,64 @@
+import { createContext, useCallback, useContext, useEffect, useMemo, useState } from 'react'
+import { getMeEntitlements } from '../utils/api'
+import { useAuth } from './AuthContext'
+
+const EntitlementsContext = createContext(null)
+
+export function EntitlementsProvider({ children }) {
+  const { user, isAuthenticated, loading: authLoading } = useAuth()
+  const [entitlements, setEntitlements] = useState(null)
+  const [loading, setLoading] = useState(false)
+  const [error, setError] = useState(null)
+
+  const clubId = user?.effective_club_id ?? null
+
+  const refreshEntitlements = useCallback(async () => {
+    if (!isAuthenticated) {
+      setEntitlements(null)
+      setError(null)
+      return null
+    }
+    setLoading(true)
+    setError(null)
+    try {
+      const data = await getMeEntitlements(clubId)
+      setEntitlements(data)
+      return data
+    } catch (e) {
+      setEntitlements(null)
+      setError(e?.message || String(e))
+      return null
+    } finally {
+      setLoading(false)
+    }
+  }, [isAuthenticated, clubId])
+
+  useEffect(() => {
+    if (authLoading) return
+    refreshEntitlements()
+  }, [authLoading, refreshEntitlements])
+
+  const value = useMemo(
+    () => ({
+      entitlements,
+      loading,
+      error,
+      refreshEntitlements,
+      hasCapability: (capId) => Boolean(entitlements?.capabilities?.[capId]),
+      getFeature: (featureId) => entitlements?.features?.[featureId] ?? null,
+    }),
+    [entitlements, loading, error, refreshEntitlements],
+  )
+
+  return (
+    <EntitlementsContext.Provider value={value}>{children}</EntitlementsContext.Provider>
+  )
+}
+
+export function useEntitlements() {
+  const ctx = useContext(EntitlementsContext)
+  if (!ctx) {
+    throw new Error('useEntitlements must be used within EntitlementsProvider')
+  }
+  return ctx
+}
diff --git a/frontend/src/utils/api.js b/frontend/src/utils/api.js
index 57ed2bb..7294ba9 100644
--- a/frontend/src/utils/api.js
+++ b/frontend/src/utils/api.js
@@ -40,6 +40,15 @@ export async function getCurrentProfile() {
   return request('/api/profiles/me')
 }
 
+/** Effektive Capabilities + Feature-Kontingente (M4). */
+export async function getMeEntitlements(clubId = null) {
+  const q =
+    clubId != null && clubId !== ''
+      ? `?club_id=${encodeURIComponent(String(clubId))}`
+      : ''
+  return request(`/api/me/entitlements${q}`)
+}
+
 /** Liste aller Profile – nur für Plattform-Admins (Vereinsanlage). */
 export async function listProfiles() {
   return request('/api/profiles')
@@ -850,6 +859,7 @@ export const api = {
   register,
   logout,
   getCurrentProfile,
+  getMeEntitlements,
   listProfiles,
   listAdminUsers,
   getAdminUserContentMeta,