diff --git a/src/CMSMicroservice.Application/DayaLoanCQ/Commands/CheckDayaLoanStatus/CheckDayaLoanStatusCommandHandler.cs b/src/CMSMicroservice.Application/DayaLoanCQ/Commands/CheckDayaLoanStatus/CheckDayaLoanStatusCommandHandler.cs
new file mode 100644
index 0000000..e25975c
--- /dev/null
+++ b/src/CMSMicroservice.Application/DayaLoanCQ/Commands/CheckDayaLoanStatus/CheckDayaLoanStatusCommandHandler.cs
@@ -0,0 +1,121 @@
+using CMSMicroservice.Domain.Enums;
+using CMSMicroservice.Application.DayaLoanCQ.Services;
+using Microsoft.Extensions.Logging;
+
+namespace CMSMicroservice.Application.DayaLoanCQ.Commands.CheckDayaLoanStatus;
+
+/// <summary>
+/// این Handler فقط وظیفه استعلام از API دایا و به‌روزرسانی DayaLoanContracts را دارد.
+/// پردازش مالی (شارژ کیف پول، ثبت Order و...) توسط Worker و ProcessDayaLoanApprovalCommand انجام می‌شود.
+/// </summary>
+public class CheckDayaLoanStatusCommandHandler : IRequestHandler<CheckDayaLoanStatusCommand, CheckDayaLoanStatusResponseDto>
+{
+    private readonly IApplicationDbContext _context;
+    private readonly IDayaLoanApiService _dayaApiService;
+    private readonly ILogger<CheckDayaLoanStatusCommandHandler> _logger;
+
+    public CheckDayaLoanStatusCommandHandler(
+        IApplicationDbContext context,
+        IDayaLoanApiService dayaApiService,
+        ILogger<CheckDayaLoanStatusCommandHandler> logger)
+    {
+        _context = context;
+        _dayaApiService = dayaApiService;
+        _logger = logger;
+    }
+
+    public async Task<CheckDayaLoanStatusResponseDto> Handle(CheckDayaLoanStatusCommand request, CancellationToken cancellationToken)
+    {
+        var results = new List<DayaLoanStatusItem>();
+        
+        try
+        {
+            // فراخوانی سرویس دایا (Mock یا Real)
+            var dayaResults = await _dayaApiService.CheckLoanStatusAsync(request.NationalCodes, cancellationToken);
+            
+            foreach (var dayaResult in dayaResults)
+            {
+                try
+                {
+                    results.Add(new DayaLoanStatusItem
+                    {
+                        NationalCode = dayaResult.NationalCode,
+                        Status = dayaResult.Status,
+                        ContractNumber = dayaResult.ContractNumber,
+                        Message = "استعلام موفق"
+                    });
+                    
+                    // ذخیره یا به‌روزرسانی در دیتابیس (فقط اطلاعات قرارداد - بدون پردازش مالی)
+                    var existingContract = await _context.DayaLoanContracts
+                        .FirstOrDefaultAsync(d => d.NationalCode == dayaResult.NationalCode, cancellationToken);
+                    
+                    if (existingContract != null)
+                    {
+                        // به‌روزرسانی قرارداد موجود
+                        existingContract.LastCheckDate = DateTime.Now;
+                        existingContract.Status = dayaResult.Status;
+                        existingContract.ContractNumber = dayaResult.ContractNumber;
+                        
+                        _logger.LogDebug(
+                            "Updated DayaLoanContract for NationalCode {NationalCode}, Status: {Status}",
+                            dayaResult.NationalCode, dayaResult.Status);
+                    }
+                    else
+                    {
+                        // ایجاد رکورد جدید قرارداد
+                        var user = await _context.Users
+                            .FirstOrDefaultAsync(u => u.NationalCode == dayaResult.NationalCode, cancellationToken);
+                        
+                        if (user != null)
+                        {
+                            var newContract = new DayaLoanContract
+                            {
+                                UserId = user.Id,
+                                NationalCode = dayaResult.NationalCode,
+                                Status = dayaResult.Status,
+                                ContractNumber = dayaResult.ContractNumber,
+                                LastCheckDate = DateTime.Now,
+                                IsProcessed = false // پردازش مالی توسط Worker انجام می‌شود
+                            };
+                            
+                            await _context.DayaLoanContracts.AddAsync(newContract, cancellationToken);
+                            
+                            _logger.LogInformation(
+                                "Created new DayaLoanContract for User {UserId}, NationalCode: {NationalCode}, Status: {Status}",
+                                user.Id, dayaResult.NationalCode, dayaResult.Status);
+                        }
+                    }
+                    
+                    await _context.SaveChangesAsync(cancellationToken);
+                }
+                catch (Exception ex)
+                {
+                    _logger.LogError(ex, "Error processing Daya result for {NationalCode}", dayaResult.NationalCode);
+                }
+            }
+        }
+        catch (Exception ex)
+        {
+            _logger.LogError(ex, "Error calling Daya API service");
+            
+            // در صورت خطا، نتایج خالی برمی‌گردانیم
+            foreach (var nationalCode in request.NationalCodes)
+            {
+                results.Add(new DayaLoanStatusItem
+                {
+                    NationalCode = nationalCode,
+                    Status = DayaLoanStatus.PendingReceive,
+                    ContractNumber = null,
+                    Message = $"خطا در استعلام: {ex.Message}"
+                });
+            }
+        }
+        
+        return new CheckDayaLoanStatusResponseDto
+        {
+            Results = results,
+            TotalChecked = request.NationalCodes.Count,
+            SuccessCount = results.Count(r => r.ContractNumber != null)
+        };
+    }
+}
diff --git a/src/CMSMicroservice.Application/DayaLoanCQ/Commands/ProcessDayaLoanApproval/ProcessDayaLoanApprovalCommandHandler.cs b/src/CMSMicroservice.Application/DayaLoanCQ/Commands/ProcessDayaLoanApproval/ProcessDayaLoanApprovalCommandHandler.cs
new file mode 100644
index 0000000..6d9651b
--- /dev/null
+++ b/src/CMSMicroservice.Application/DayaLoanCQ/Commands/ProcessDayaLoanApproval/ProcessDayaLoanApprovalCommandHandler.cs
@@ -0,0 +1,202 @@
+using CMSMicroservice.Domain.Events;
+using CMSMicroservice.Domain.Enums;
+using CMSMicroservice.Domain.Common;
+using CMSMicroservice.Application.Common.Interfaces;
+using Microsoft.Extensions.Logging;
+
+namespace CMSMicroservice.Application.DayaLoanCQ.Commands.ProcessDayaLoanApproval;
+
+public class ProcessDayaLoanApprovalCommandHandler : IRequestHandler<ProcessDayaLoanApprovalCommand, ProcessDayaLoanApprovalResponseDto>
+{
+    private readonly IApplicationDbContext _context;
+    private readonly IKavenegarService _smsService;
+    private readonly ILogger<ProcessDayaLoanApprovalCommandHandler> _logger;
+
+    public ProcessDayaLoanApprovalCommandHandler(
+        IApplicationDbContext context,
+        IKavenegarService smsService,
+        ILogger<ProcessDayaLoanApprovalCommandHandler> logger)
+    {
+        _context = context;
+        _smsService = smsService;
+        _logger = logger;
+    }
+
+    public async Task<ProcessDayaLoanApprovalResponseDto> Handle(ProcessDayaLoanApprovalCommand request, CancellationToken cancellationToken)
+    {
+        // پیدا کردن کاربر
+        var user = await _context.Users
+            .Include(u => u.UserWallets)
+            .FirstOrDefaultAsync(u => u.Id == request.UserId, cancellationToken);
+        
+        if (user == null)
+        {
+            throw new NotFoundException(nameof(User), request.UserId);
+        }
+        
+        // چک کردن که قبلاً دریافت نکرده باشد
+        if (user.HasReceivedDayaCredit)
+        {
+            throw new InvalidOperationException($"کاربر {request.UserId} قبلاً اعتبار دایا را دریافت کرده است");
+        }
+        
+        // ایجاد تراکنش با RefId = شماره قرارداد دایا
+        var transaction = new Transaction
+        {
+            Amount = request.WalletAmount , // 168 میلیون
+            Description = $"دریافت اعتبار دایا - قرارداد {request.ContractNumber}",
+            PaymentStatus = PaymentStatus.Success,
+            PaymentDate = DateTime.Now,
+            RefId = request.ContractNumber, // شماره قرارداد دایا
+            Type = TransactionType.DepositExternal1
+        };
+        
+        await _context.Transactions.AddAsync(transaction, cancellationToken);
+        await _context.SaveChangesAsync(cancellationToken);
+        
+        // یافتن یا ایجاد کیف پول کاربر
+        var wallet = user.UserWallets.FirstOrDefault();
+        if (wallet == null)
+        {
+            wallet = new UserWallet
+            {
+                UserId = request.UserId,
+                Balance = 0,
+                NetworkBalance = 0,
+                DiscountBalance = 0
+            };
+            await _context.UserWallets.AddAsync(wallet, cancellationToken);
+            await _context.SaveChangesAsync(cancellationToken);
+        }
+        
+        // شارژ کیف پول عادی (56 میلیون)
+        var balanceBeforeMain = wallet.Balance;
+        wallet.Balance += request.WalletAmount;
+        
+        // لاگ کیف پول عادی
+        var mainLog = new UserWalletChangeLog
+        {
+            WalletId = wallet.Id,
+            CurrentBalance = wallet.Balance,
+            ChangeValue = request.WalletAmount,
+            CurrentNetworkBalance = wallet.NetworkBalance,
+            ChangeNerworkValue = 0,
+            IsIncrease = true,
+            RefrenceId = transaction.Id
+        };
+        await _context.UserWalletChangeLogs.AddAsync(mainLog, cancellationToken);
+        
+
+        
+        // شارژ کیف پول تخفیف (56 میلیون)
+        var balanceBeforeDiscount = wallet.DiscountBalance;
+        wallet.DiscountBalance += request.DiscountWalletAmount;
+        
+        // لاگ کیف پول تخفیف
+        var discountLog = new UserWalletChangeLog
+        {
+            WalletId = wallet.Id,
+            CurrentBalance = wallet.Balance,
+            ChangeValue = 0,
+            CurrentNetworkBalance = wallet.NetworkBalance,
+            ChangeNerworkValue = 0,
+            CurrentDiscountBalance = wallet.DiscountBalance,
+            ChangeDiscountValue = request.DiscountWalletAmount,
+            IsIncrease = true,
+            RefrenceId = transaction.Id
+        };
+        await _context.UserWalletChangeLogs.AddAsync(discountLog, cancellationToken);
+        
+        // به‌روزرسانی وضعیت کاربر
+        user.HasReceivedDayaCredit = true;
+        user.DayaCreditReceivedAt = DateTime.Now;
+        
+        // تنظیم نحوه خرید پکیج به DayaLoan
+        user.PackagePurchaseMethod = PackagePurchaseMethod.DayaLoan;
+        
+        // ثبت سفارش پکیج (فعلاً پکیج پایه)
+        var goldenPackage = await _context.Packages
+            .FirstOrDefaultAsync(p => p.Id==4, cancellationToken);
+        
+        if (goldenPackage != null)
+        {
+            // پیدا کردن آدرس پیش‌فرض کاربر
+            var defaultAddress = await _context.UserAddresses
+                .Where(a => a.UserId == request.UserId)
+                .OrderByDescending(a => a.Created)
+                .FirstOrDefaultAsync(cancellationToken);
+            
+            if (defaultAddress != null)
+            {
+                var packageOrder = new UserOrder
+                {
+                    UserId = request.UserId,
+                    PackageId = goldenPackage.Id,
+                    Amount = request.WalletAmount, // 56 میلیون
+                    PaymentStatus = PaymentStatus.Success,
+                    PaymentDate = DateTime.Now,
+                    DeliveryStatus = DeliveryStatus.None,
+                    UserAddressId = defaultAddress.Id,
+                    TransactionId = transaction.Id,
+                    PaymentMethod = PaymentMethod.IPG
+                };
+                
+                await _context.UserOrders.AddAsync(packageOrder, cancellationToken);
+            }
+        }
+        
+        // ثبت Event
+        user.AddDomainEvent(new DayaLoanApprovedEvent(user, transaction, request.ContractNumber));
+        
+        // به‌روزرسانی DayaLoanContract.IsProcessed
+        var dayaContract = await _context.DayaLoanContracts
+            .FirstOrDefaultAsync(d => d.UserId == request.UserId || d.ContractNumber == request.ContractNumber, cancellationToken);
+        
+        if (dayaContract != null)
+        {
+            dayaContract.IsProcessed = true;
+            _logger.LogInformation("Marked DayaLoanContract as processed for User {UserId}", request.UserId);
+        }
+        
+        await _context.SaveChangesAsync(cancellationToken);
+        
+        // ارسال SMS به کاربر
+        await SendDayaLoanSmsAsync(user);
+        
+        return new ProcessDayaLoanApprovalResponseDto
+        {
+            UserId = user.Id,
+            TransactionId = transaction.Id,
+            ContractNumber = request.ContractNumber,
+            MainWalletBalance = wallet.Balance,
+            LockedWalletBalance = wallet.NetworkBalance,
+            DiscountWalletBalance = wallet.DiscountBalance,
+            Message = "اعتبار دایا با موفقیت دریافت شد"
+        };
+    }
+    
+    /// <summary>
+    /// ارسال SMS اطلاع‌رسانی دریافت اعتبار دایا
+    /// </summary>
+    private async Task SendDayaLoanSmsAsync(User user)
+    {
+        try
+        {
+            var userName = SmsTemplates.GetUserName(user.FirstName);
+            var message = SmsTemplates.DayaLoanReceived(userName);
+            
+            await _smsService.SendAsync(user.Mobile, message);
+            
+            _logger.LogInformation(
+                "Daya loan SMS sent to User {UserId}, Mobile: {Mobile}",
+                user.Id, user.Mobile);
+        }
+        catch (Exception ex)
+        {
+            // خطای SMS نباید فرایند اصلی رو متوقف کنه
+            _logger.LogError(ex, 
+                "Failed to send Daya loan SMS to User {UserId}, Mobile: {Mobile}",
+                user.Id, user.Mobile);
+        }
+    }
+}