diff --git a/assets/css/routes/user-center/credits.css b/assets/css/routes/user-center/credits.css
index 08015aff..9f4b1dbe 100644
--- a/assets/css/routes/user-center/credits.css
+++ b/assets/css/routes/user-center/credits.css
@@ -6,59 +6,55 @@
   box-shadow: none;
 }
 
-/* Dual asset row — single surface, two cells side-by-side (stack on mobile) */
+/* Dual asset row — layout only (no outer mega-card). Desktop: 1 row; mobile: 2 rows. */
 .uc-assets-row {
   display: grid;
   grid-template-columns: 1fr;
-  gap: 0;
+  gap: 12px;
   margin-bottom: 16px;
-  background: var(--main-bg-color, var(--surface-1, #fff));
-  border-radius: var(--main-radius, 8px);
-  box-shadow: 0 0 10px var(--main-shadow, rgba(116, 116, 116, 0.08));
-  border: 1px solid var(--color-line-soft, rgba(0, 0, 0, 0.06));
-  overflow: hidden;
+  background: transparent;
+  border: 0;
+  box-shadow: none;
 }
 .uc-assets-row--dual {
   grid-template-columns: 1fr 1fr;
 }
 .uc-assets-col {
   min-width: 0;
-}
-.uc-assets-row--dual .uc-assets-col + .uc-assets-col {
-  border-left: 1px solid var(--color-line-soft, rgba(0, 0, 0, 0.06));
+  display: flex;
+  flex-direction: column;
+  gap: 10px;
 }
 @media (max-width: 767px) {
   .uc-assets-row--dual {
     grid-template-columns: 1fr;
   }
-  .uc-assets-row--dual .uc-assets-col + .uc-assets-col {
-    border-left: 0;
-    border-top: 1px solid var(--color-line-soft, rgba(0, 0, 0, 0.06));
-  }
-}
-
-/* Card cells sit flat inside the row surface — no nested card chrome */
-.uc-assets-row .uc-asset-card,
-.uc-assets-row .uc-asset-card.zib-widget {
-  background: transparent;
-  border: 0;
-  border-radius: 0;
-  box-shadow: none;
-  margin: 0;
-  padding: 16px 20px;
-  clear: none;
-}
-.uc-assets-row .uc-card-pass {
-  margin: 0 16px 16px;
 }
 
+/* One surface per asset (wallet / points) — never nest inside another card shell */
 .uc-asset-card {
   background: var(--main-bg-color, var(--surface-1, #fff));
   border-radius: var(--main-radius, 8px);
   box-shadow: 0 0 10px var(--main-shadow, rgba(116, 116, 116, 0.08));
+  border: 1px solid var(--color-line-soft, rgba(0, 0, 0, 0.06));
   padding: 16px 20px;
   margin-bottom: 0;
 }
+.uc-assets-row .uc-asset-card.zib-widget {
+  /* defensive if class reintroduced */
+  margin-bottom: 0;
+  clear: none;
+}
+
+/* Card-pass under a col must not look like a second stacked card */
+.uc-assets-col > .uc-card-pass {
+  margin: 0;
+  padding: 12px 14px;
+  border-radius: 8px;
+  border: 1px dashed var(--color-line, #e5e7eb);
+  background: var(--muted-bg-color, #f8fafc);
+  box-shadow: none;
+}
 .uc-asset-card__head {
   margin-bottom: 8px;
 }
@@ -312,10 +308,20 @@ body.uc-modal-open {
   margin-top: 12px;
 }
 
-/* Asset record tabs (Zibll tab-nav-theme) */
+/* Asset record tabs — flat tab strip + list, no zib-widget mega-card */
 .uc-asset-tabs {
   margin-top: 8px;
-  padding: 12px 16px 16px;
+  padding: 0;
+  background: transparent;
+  border: 0;
+  box-shadow: none;
+}
+.uc-asset-tabs.zib-widget {
+  background: transparent;
+  border: 0;
+  box-shadow: none;
+  padding: 0;
+  margin-bottom: 0;
 }
 .uc-asset-tabs__nav {
   display: flex;
diff --git a/inc/helpers/user-center-renderers/profile-credits.php b/inc/helpers/user-center-renderers/profile-credits.php
index 6885287b..8bd30da1 100644
--- a/inc/helpers/user-center-renderers/profile-credits.php
+++ b/inc/helpers/user-center-renderers/profile-credits.php
@@ -56,7 +56,7 @@ if ($show_wallet || $show_credits) :
 	}
 	$show_tasks = $show_credits && class_exists('\AKSRT\Credits\PointsFree') && \AKSRT\Credits\PointsFree::enabled();
 	?>
-	<div class="uc-asset-tabs zib-widget">
+	<div class="uc-asset-tabs">
 		<ul class="uc-asset-tabs__nav list-inline tab-nav-theme font-bold">
 			<?php if ($show_wallet) : ?>
 				<li class="<?php echo $active_record === 'balance' ? 'active' : ''; ?>">