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The /_gm user card gains a Grant panel: grant raw benefit atoms (hints / no-ads days / forever) or a defined value product (a reward bundle, including an archived one), origin-picked. Both write an admin_grant ledger row via payments.Grant / GrantProduct; the by-product grant records the source product_id + snapshot. Both refuse a chips atom (never grant currency) or a tournament atom (no credit target yet); chips/tournament products are also kept out of the by-product picker. Tests: the console grant end to end (raw, by-product, refuse a chips pack, CSRF-guarded).