diff --git a/app/build.gradle.kts b/app/build.gradle.kts
index ea4049b..56c1e4c 100644
--- a/app/build.gradle.kts
+++ b/app/build.gradle.kts
@@ -81,6 +81,7 @@ dependencies {
     implementation(libs.retrofit.gson.converter)
     implementation(libs.okhttp)
     implementation(libs.okhttp.logging.interceptor)
+    implementation(libs.okhttp.urlconnection)
 
     // Coroutines
     implementation(libs.kotlinx.coroutines.android)
diff --git a/app/src/main/java/com/ssafy/tiggle/core/fcm/TiggleMessageService.kt b/app/src/main/java/com/ssafy/tiggle/core/fcm/TiggleMessageService.kt
index c24dbd0..0ad2d40 100644
--- a/app/src/main/java/com/ssafy/tiggle/core/fcm/TiggleMessageService.kt
+++ b/app/src/main/java/com/ssafy/tiggle/core/fcm/TiggleMessageService.kt
@@ -83,7 +83,10 @@ class TiggleMessagingService : FirebaseMessagingService() {
             ?: message.notification?.body
             ?: "새 알림이 도착했어요."
 
-        Log.d(TAG, "onMessageReceived: data=${message.data}, notif=${message.notification}")
+        val deepLink = message.data["link"]
+
+        Log.d(TAG, "onMessageReceived: data=${message.data}, notif=${message.notification}, " +
+                "title=$title, body=$body, link=$deepLink")
 
         // Android 13+ 권한 체크
         if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.TIRAMISU &&
diff --git a/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/AuthInterceptor.kt b/app/src/main/java/com/ssafy/tiggle/core/network/AuthInterceptor.kt
similarity index 72%
rename from app/src/main/java/com/ssafy/tiggle/data/datasource/remote/AuthInterceptor.kt
rename to app/src/main/java/com/ssafy/tiggle/core/network/AuthInterceptor.kt
index 1eb8213..9a87517 100644
--- a/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/AuthInterceptor.kt
+++ b/app/src/main/java/com/ssafy/tiggle/core/network/AuthInterceptor.kt
@@ -1,7 +1,7 @@
-package com.ssafy.tiggle.data.datasource.remote
+package com.ssafy.tiggle.core.network
 
-import android.util.Log
 import com.ssafy.tiggle.data.datasource.local.AuthDataSource
+import com.ssafy.tiggle.data.datasource.remote.AuthApiService
 import kotlinx.coroutines.runBlocking
 import kotlinx.coroutines.sync.Mutex
 import kotlinx.coroutines.sync.withLock
@@ -24,7 +24,7 @@ class AuthInterceptor @Inject constructor(
     private fun stripBearer(raw: String?): String =
         raw?.replaceFirst(Regex("^Bearer\\s+", RegexOption.IGNORE_CASE), "")?.trim().orEmpty()
 
-    private fun isAuthPath(url: HttpUrl) = url.encodedPath.startsWith("/auth/")
+    private fun isAuthPath(url: HttpUrl) = url.encodedPath.startsWith("/api/auth/")
 
     override fun intercept(chain: Interceptor.Chain): Response {
         val original = chain.request()
@@ -42,8 +42,8 @@ class AuthInterceptor @Inject constructor(
             }
             .build()
 
-        var res = chain.proceed(req)
-        if (res.code != 401) return res
+        val res = chain.proceed(req)
+        if (res.code != 401 && res.code != 403) return res
 
         // 2) 401 → 재발급 (단일 실행)
         val refreshed = runBlocking {
@@ -51,15 +51,10 @@ class AuthInterceptor @Inject constructor(
                 val latest = stripBearer(authDataSource.getAccessToken())
                 if (latest.isNotBlank() && latest != access) return@withLock true
 
-                val refresh = stripBearer(authDataSource.getRefreshToken())
-                if (refresh.isBlank()) return@withLock false
-
-                val cookieHeader = authDataSource.buildCookieHeaderForReissue(refresh)
-                Log.d("Reissue", "➡️ Cookie header(for reissue)=${cookieHeader}")
-
-                val r = api.reissueTokenByCookie(cookie = cookieHeader)
+                // CookieJar가 자동으로 refreshToken/JSESSIONID를 쿠키로 전송함
+                val r = api.reissueTokenByCookie()
                 if (!r.isSuccessful) {
-                    if (r.code() == 401) {
+                    if (r.code() == 401 || r.code() == 403) {
                         // INVALID_REFRESH_TOKEN 등: 회복 불가 → 세션 정리
                         authDataSource.clearAuthData()
                     }
@@ -67,14 +62,8 @@ class AuthInterceptor @Inject constructor(
                 }
 
                 val newAccess = stripBearer(r.headers()["Authorization"])
-                val setCookies = r.headers().values("Set-Cookie")
-                authDataSource.saveSetCookies(setCookies)
-
-                val cookieRefresh = setCookies.firstOrNull { it.startsWith("refreshToken=") }
-                    ?.substringAfter("refreshToken=")?.substringBefore(";")
-
-                if (newAccess.isBlank() || cookieRefresh.isNullOrBlank()) return@withLock false
-                authDataSource.saveTokens(newAccess, cookieRefresh)
+                if (newAccess.isBlank()) return@withLock false
+                authDataSource.saveAccessToken(newAccess)
                 true
             }
         }
@@ -94,4 +83,3 @@ class AuthInterceptor @Inject constructor(
         return chain.proceed(retry)
     }
 }
-
diff --git a/app/src/main/java/com/ssafy/tiggle/core/network/LoggingCookieJar.kt b/app/src/main/java/com/ssafy/tiggle/core/network/LoggingCookieJar.kt
new file mode 100644
index 0000000..a6e60f8
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/core/network/LoggingCookieJar.kt
@@ -0,0 +1,38 @@
+package com.ssafy.tiggle.core.network
+
+import android.util.Log
+import okhttp3.Cookie
+import okhttp3.CookieJar
+import okhttp3.HttpUrl
+import okhttp3.JavaNetCookieJar
+import java.net.CookieManager
+import java.net.CookiePolicy
+
+class LoggingCookieJar : CookieJar {
+    
+    private val javaNetCookieJar = JavaNetCookieJar(
+        CookieManager().apply { setCookiePolicy(CookiePolicy.ACCEPT_ALL) }
+    )
+    
+    companion object {
+        private const val TAG = "CookieJar"
+    }
+
+    override fun saveFromResponse(url: HttpUrl, cookies: List<Cookie>) {
+        Log.d(TAG, "🍪 쿠키 저장 - URL: $url")
+        cookies.forEach { cookie ->
+            Log.d(TAG, "  저장: ${cookie.name}=${cookie.value} (secure=${cookie.secure})")
+        }
+        
+        javaNetCookieJar.saveFromResponse(url, cookies)
+    }
+
+    override fun loadForRequest(url: HttpUrl): List<Cookie> {
+        val cookies = javaNetCookieJar.loadForRequest(url)
+        Log.d(TAG, "📤 쿠키 로드 - URL: $url, 개수: ${cookies.size}")
+        cookies.forEach { cookie ->
+            Log.d(TAG, "  전송: ${cookie.name}=${cookie.value}")
+        }
+        return cookies
+    }
+}
diff --git a/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/PrettyHttpLoggingInterceptor.kt b/app/src/main/java/com/ssafy/tiggle/core/network/PrettyHttpLoggingInterceptor.kt
similarity index 97%
rename from app/src/main/java/com/ssafy/tiggle/data/datasource/remote/PrettyHttpLoggingInterceptor.kt
rename to app/src/main/java/com/ssafy/tiggle/core/network/PrettyHttpLoggingInterceptor.kt
index 34c84d7..c31a174 100644
--- a/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/PrettyHttpLoggingInterceptor.kt
+++ b/app/src/main/java/com/ssafy/tiggle/core/network/PrettyHttpLoggingInterceptor.kt
@@ -1,10 +1,9 @@
-package com.ssafy.tiggle.data.datasource.remote
+package com.ssafy.tiggle.core.network
 
 import android.util.Log
 import okhttp3.Interceptor
 import okhttp3.MediaType
 import okhttp3.Response
-import okhttp3.ResponseBody.Companion.toResponseBody
 import okio.Buffer
 import org.json.JSONArray
 import org.json.JSONObject
@@ -41,7 +40,7 @@ class PrettyHttpLoggingInterceptor : Interceptor {
         }
 
         if (requestBodyString != null) {
-            
+
             Log.v(TAG, "│  ${getPrettyJson(requestBodyString)}")
         }
         Log.i(TAG, "└─────────────────────────────────────────────────────────────────────────────")
@@ -69,14 +68,14 @@ class PrettyHttpLoggingInterceptor : Interceptor {
         val mediaType: MediaType? = responseBody?.contentType()
         val isTextBody = isTextLike(mediaType)
         var bodyString: String? = null
-        
+
         if (isTextBody && responseBody != null) {
             try {
                 // 안전한 방식으로 응답 본문 읽기
                 val source = responseBody.source()
                 source.request(Long.MAX_VALUE) // 전체 본문 요청
                 val buffer = source.buffer
-                
+
                 val charset = responseBody.contentType()?.charset(UTF8) ?: UTF8
                 bodyString = buffer.clone().readString(charset)
             } catch (e: Exception) {
@@ -143,7 +142,7 @@ class PrettyHttpLoggingInterceptor : Interceptor {
             } else {
                 jsonString
             }
-        } catch (e: Exception) {
+        } catch (_: Exception) {
             jsonString // JSON 파싱 실패 시 원본 문자열 반환
         }
     }
diff --git a/app/src/main/java/com/ssafy/tiggle/core/utils/Formatter.kt b/app/src/main/java/com/ssafy/tiggle/core/utils/Formatter.kt
new file mode 100644
index 0000000..fbf0c5d
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/core/utils/Formatter.kt
@@ -0,0 +1,10 @@
+package com.ssafy.tiggle.core.utils
+
+import java.util.Locale
+
+object Formatter {
+    // 정수 금액 포맷팅: 50,000원
+    fun formatCurrency(amount: Long, locale: Locale = Locale.KOREA): String =
+        String.format(locale, "%,d원", amount)
+
+}
\ No newline at end of file
diff --git a/app/src/main/java/com/ssafy/tiggle/data/datasource/local/AuthDataSource.kt b/app/src/main/java/com/ssafy/tiggle/data/datasource/local/AuthDataSource.kt
index 45ad248..a1a029d 100644
--- a/app/src/main/java/com/ssafy/tiggle/data/datasource/local/AuthDataSource.kt
+++ b/app/src/main/java/com/ssafy/tiggle/data/datasource/local/AuthDataSource.kt
@@ -17,14 +17,12 @@ class AuthDataSource @Inject constructor(
      * - 앱 종료 후에도 유지되는 데이터로, 앱 재시작 시 자동 로그인 기능에 사용
      */
 
-    // SharedPreferences에 저장된 인증 토큰을 관리
-    fun saveTokens(accessToken: String, refreshToken: String) {
+    // SharedPreferences에 저장된 access 토큰을 관리
+    fun saveAccessToken(accessToken: String) {
         prefs.edit {
             putString(KEY_ACCESS_TOKEN, accessToken)
-            putString(KEY_REFRESH_TOKEN, refreshToken)
         }
         Log.d("AuthLocalDataSource", "✅ accessToken 저장됨: $accessToken")
-        Log.d("AuthLocalDataSource", "✅ refreshToken 저장됨: $refreshToken")
     }
 
     // 토큰을 가져오는 메소드
@@ -32,10 +30,7 @@ class AuthDataSource @Inject constructor(
         return prefs.getString(KEY_ACCESS_TOKEN, null)
     }
 
-    // 리프레시 토큰을 가져오는 메소드
-    fun getRefreshToken(): String? {
-        return prefs.getString(KEY_REFRESH_TOKEN, null)
-    }
+    // refresh 토큰은 쿠키로만 관리됨
 
     /**
      * 쿠키 관리 클래스
@@ -43,27 +38,13 @@ class AuthDataSource @Inject constructor(
      * - 재발급 시 필요한 Cookie 헤더 문자열을 구성
      */
 
-    // ▼ 모든 Set-Cookie 저장
-    fun saveSetCookies(cookies: List<String>) {
-        prefs.edit { putStringSet(KEY_SET_COOKIES, cookies.toSet()) }
-    }
-
-    // ▼ 재발급용 Cookie 헤더 조립 (JSESSIONID 등 + refreshToken)
-    fun buildCookieHeaderForReissue(refreshToken: String): String {
-        val raw = prefs.getStringSet(KEY_SET_COOKIES, emptySet())!!.toList()
-        val pairs = raw.map { it.substringBefore(";") } // name=value
-        return (pairs + "refreshToken=$refreshToken")
-            .distinctBy { it.substringBefore("=") }
-            .joinToString("; ")
-    }
+    // 쿠키는 CookieJar가 관리하므로 앱 로컬 저장 불필요
 
 
     // 인증 데이터를 모두 지우는 메소드
     fun clearAuthData() {
         prefs.edit {
             remove(KEY_ACCESS_TOKEN)
-            remove(KEY_REFRESH_TOKEN)
-            remove(KEY_SET_COOKIES)
         }
     }
 
@@ -75,7 +56,5 @@ class AuthDataSource @Inject constructor(
 
     companion object {
         private const val KEY_ACCESS_TOKEN = "access_token"
-        private const val KEY_REFRESH_TOKEN = "refresh_token"
-        private const val KEY_SET_COOKIES = "set_cookies" // 쿠키 저장 키
     }
 }
\ No newline at end of file
diff --git a/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/AuthApiService.kt b/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/AuthApiService.kt
index c9d1c30..3acdb69 100644
--- a/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/AuthApiService.kt
+++ b/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/AuthApiService.kt
@@ -5,7 +5,6 @@ import com.ssafy.tiggle.data.model.LoginRequestDto
 import com.ssafy.tiggle.data.model.SignUpRequestDto
 import retrofit2.Response
 import retrofit2.http.Body
-import retrofit2.http.Header
 import retrofit2.http.POST
 
 /**
@@ -37,9 +36,7 @@ interface AuthApiService {
     ): Response<BaseResponse<Unit>>
 
     @POST("auth/reissue")
-    suspend fun reissueTokenByCookie(
-        @Header("Cookie") cookie: String
-    ): Response<BaseResponse<Unit>>
+    suspend fun reissueTokenByCookie(): Response<BaseResponse<Unit>>
 
 
 }
diff --git a/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/DutchPayApiService.kt b/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/DutchPayApiService.kt
new file mode 100644
index 0000000..55bc137
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/DutchPayApiService.kt
@@ -0,0 +1,15 @@
+package com.ssafy.tiggle.data.datasource.remote
+
+import com.ssafy.tiggle.data.model.BaseResponse
+import com.ssafy.tiggle.data.model.EmptyResponse
+import com.ssafy.tiggle.data.model.dutchpay.request.DutchPayRequestDto
+import retrofit2.Response
+import retrofit2.http.Body
+import retrofit2.http.POST
+
+interface DutchPayApiService {
+    @POST("/api/dutchpay/requests")
+    suspend fun createDutchPayRequest(
+        @Body request: DutchPayRequestDto
+    ): Response<BaseResponse<EmptyResponse>>
+}
diff --git a/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/UserApiService.kt b/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/UserApiService.kt
new file mode 100644
index 0000000..ce74042
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/data/datasource/remote/UserApiService.kt
@@ -0,0 +1,20 @@
+package com.ssafy.tiggle.data.datasource.remote
+
+import com.ssafy.tiggle.data.model.BaseResponse
+import com.ssafy.tiggle.data.model.UserSummaryDto
+import retrofit2.Response
+import retrofit2.http.GET
+
+/**
+ * 사용자 조회 API 서비스
+ */
+interface UserApiService {
+
+    /**
+     * 전체 사용자 목록 조회
+     */
+    @GET("users/list")
+    suspend fun getAllUsers(): Response<BaseResponse<List<UserSummaryDto>>>
+}
+
+
diff --git a/app/src/main/java/com/ssafy/tiggle/data/model/DepartmentDto.kt b/app/src/main/java/com/ssafy/tiggle/data/model/DepartmentDto.kt
index 69c12c7..2b52ea2 100644
--- a/app/src/main/java/com/ssafy/tiggle/data/model/DepartmentDto.kt
+++ b/app/src/main/java/com/ssafy/tiggle/data/model/DepartmentDto.kt
@@ -1,10 +1,10 @@
 package com.ssafy.tiggle.data.model
 
-import com.ssafy.tiggle.domain.entity.Department
+import com.ssafy.tiggle.domain.entity.auth.Department
 
 /**
  * 학과 DTO (Data Transfer Object)
- * 
+ *
  * API 응답으로 받는 학과 데이터 구조
  */
 data class DepartmentDto(
diff --git a/app/src/main/java/com/ssafy/tiggle/data/model/UniversityDto.kt b/app/src/main/java/com/ssafy/tiggle/data/model/UniversityDto.kt
index 7998848..f3ba932 100644
--- a/app/src/main/java/com/ssafy/tiggle/data/model/UniversityDto.kt
+++ b/app/src/main/java/com/ssafy/tiggle/data/model/UniversityDto.kt
@@ -1,10 +1,10 @@
 package com.ssafy.tiggle.data.model
 
-import com.ssafy.tiggle.domain.entity.University
+import com.ssafy.tiggle.domain.entity.auth.University
 
 /**
  * 대학교 DTO (Data Transfer Object)
- * 
+ *
  * API 응답으로 받는 대학교 데이터 구조
  */
 data class UniversityDto(
diff --git a/app/src/main/java/com/ssafy/tiggle/data/model/UserDto.kt b/app/src/main/java/com/ssafy/tiggle/data/model/UserDto.kt
index 74f82f0..ea83444 100644
--- a/app/src/main/java/com/ssafy/tiggle/data/model/UserDto.kt
+++ b/app/src/main/java/com/ssafy/tiggle/data/model/UserDto.kt
@@ -1,10 +1,10 @@
 package com.ssafy.tiggle.data.model
 
-import com.ssafy.tiggle.domain.entity.User
+import com.ssafy.tiggle.domain.entity.auth.User
 
 /**
  * 사용자 DTO (Data Transfer Object)
- * 
+ *
  * API 응답으로 받는 사용자 데이터 구조
  */
 data class UserDto(
diff --git a/app/src/main/java/com/ssafy/tiggle/data/model/UserSummaryDto.kt b/app/src/main/java/com/ssafy/tiggle/data/model/UserSummaryDto.kt
new file mode 100644
index 0000000..dd65087
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/data/model/UserSummaryDto.kt
@@ -0,0 +1,18 @@
+package com.ssafy.tiggle.data.model
+
+import com.ssafy.tiggle.domain.entity.dutchpay.UserSummary
+
+/**
+ * 사용자 요약 DTO (리스트용)
+ */
+data class UserSummaryDto(
+    val id: Long,
+    val name: String
+) {
+    fun toDomain(): UserSummary = UserSummary(
+        id = id,
+        name = name
+    )
+}
+
+
diff --git a/app/src/main/java/com/ssafy/tiggle/data/model/dutchpay/request/DutchPayRequestDto.kt b/app/src/main/java/com/ssafy/tiggle/data/model/dutchpay/request/DutchPayRequestDto.kt
new file mode 100644
index 0000000..a2dbc15
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/data/model/dutchpay/request/DutchPayRequestDto.kt
@@ -0,0 +1,9 @@
+package com.ssafy.tiggle.data.model.dutchpay.request
+
+data class DutchPayRequestDto(
+    val userIds: List<Long>,
+    val totalAmount: Long,
+    val title: String,
+    val message: String,
+    val payMore: Boolean
+)
diff --git a/app/src/main/java/com/ssafy/tiggle/data/repository/AuthRepositoryImpl.kt b/app/src/main/java/com/ssafy/tiggle/data/repository/AuthRepositoryImpl.kt
new file mode 100644
index 0000000..b482ee3
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/data/repository/AuthRepositoryImpl.kt
@@ -0,0 +1,131 @@
+package com.ssafy.tiggle.data.repository
+
+import android.util.Log
+import com.google.gson.Gson
+import com.ssafy.tiggle.data.datasource.local.AuthDataSource
+import com.ssafy.tiggle.data.datasource.remote.AuthApiService
+import com.ssafy.tiggle.data.model.BaseResponse
+import com.ssafy.tiggle.data.model.LoginRequestDto
+import com.ssafy.tiggle.data.model.SignUpRequestDto
+import com.ssafy.tiggle.domain.entity.auth.UserSignUp
+import com.ssafy.tiggle.domain.repository.AuthRepository
+import javax.inject.Inject
+import javax.inject.Singleton
+
+@Singleton
+class AuthRepositoryImpl @Inject constructor(
+    private val authApiService: AuthApiService,
+    private val authDataSource: AuthDataSource
+) : AuthRepository {
+
+    override suspend fun signUpUser(userSignUp: UserSignUp): Result<Unit> {
+        return try {
+            val signUpRequest = SignUpRequestDto(
+                email = userSignUp.email,
+                password = userSignUp.password,
+                name = userSignUp.name,
+                universityId = userSignUp.universityId,
+                departmentId = userSignUp.departmentId,
+                studentId = userSignUp.studentId,
+                phone = userSignUp.phone,
+            )
+
+            val response = authApiService.signUp(signUpRequest)
+
+            if (response.isSuccessful) {
+                val body = response.body()
+                if (body != null && body.result) {
+                    Result.success(Unit)
+                } else {
+                    Result.failure(Exception(body?.message ?: "알 수 없는 오류가 발생했습니다."))
+                }
+            } else {
+                val errorBody = response.errorBody()?.string()
+                val message = when (response.code()) {
+                    400 -> "잘못된 요청입니다. 입력 정보를 확인해주세요."
+                    401 -> "인증이 필요합니다."
+                    403 -> "접근 권한이 없습니다. 회원가입 정보를 확인해주세요."
+                    404 -> "요청한 페이지를 찾을 수 없습니다."
+                    409 -> "이미 등록된 정보입니다. 다른 정보로 시도해주세요."
+                    500 -> "서버 내부 오류가 발생했습니다. 잠시 후 다시 시도해주세요."
+                    502, 503, 504 -> "서버가 일시적으로 이용할 수 없습니다. 잠시 후 다시 시도해주세요."
+                    else -> {
+                        if (!errorBody.isNullOrEmpty()) {
+                            try {
+                                val errorResponse =
+                                    Gson().fromJson(errorBody, BaseResponse::class.java)
+                                errorResponse.message ?: "회원가입에 실패했습니다. (${response.code()})"
+                            } catch (e: Exception) {
+                                "회원가입에 실패했습니다. (${response.code()})"
+                            }
+                        } else {
+                            "회원가입에 실패했습니다. (${response.code()})"
+                        }
+                    }
+                }
+                Result.failure(Exception(message))
+            }
+        } catch (e: Exception) {
+            Log.e("AuthRepositoryImpl", "💥 네트워크 예외 발생: ${e.message}", e)
+            Result.failure(Exception("네트워크 연결을 확인해주세요."))
+        }
+    }
+
+    override suspend fun loginUser(email: String, password: String): Result<Unit> {
+        return try {
+            val loginRequest = LoginRequestDto(
+                email = email,
+                password = password
+            )
+
+            val response = authApiService.login(loginRequest)
+
+            if (response.isSuccessful) {
+                val body = response.body()
+                if (body != null && body.result) {
+                    val newAccess = stripBearer(response.headers()["Authorization"])
+                    if (newAccess.isBlank()) {
+                        Result.failure(Exception("인증 토큰을 받을 수 없습니다."))
+                    } else {
+                        authDataSource.saveAccessToken(newAccess)
+                        Result.success(Unit)
+                    }
+                } else {
+                    Result.failure(Exception(body?.message ?: "로그인에 실패했습니다."))
+                }
+            } else {
+                val errorBody = response.errorBody()?.string()
+                val message = when (response.code()) {
+                    400 -> "잘못된 요청입니다. 입력 정보를 확인해주세요."
+                    401 -> "이메일 또는 비밀번호가 올바르지 않습니다."
+                    403 -> "접근 권한이 없습니다."
+                    404 -> "존재하지 않는 사용자입니다."
+                    500 -> "서버 내부 오류가 발생했습니다. 잠시 후 다시 시도해주세요."
+                    502, 503, 504 -> "서버가 일시적으로 이용할 수 없습니다. 잠시 후 다시 시도해주세요."
+                    else -> {
+                        if (!errorBody.isNullOrEmpty()) {
+                            try {
+                                val errorResponse =
+                                    Gson().fromJson(errorBody, BaseResponse::class.java)
+                                errorResponse.message ?: "로그인에 실패했습니다. (${response.code()})"
+                            } catch (e: Exception) {
+                                "로그인에 실패했습니다. (${response.code()})"
+                            }
+                        } else {
+                            "로그인에 실패했습니다. (${response.code()})"
+                        }
+                    }
+                }
+                Result.failure(Exception(message))
+            }
+        } catch (e: Exception) {
+            Result.failure(Exception("네트워크 연결을 확인해주세요."))
+        }
+    }
+
+    private fun stripBearer(authHeader: String?): String {
+        return authHeader?.removePrefix("Bearer ")?.trim() ?: ""
+    }
+}
+
+
diff --git a/app/src/main/java/com/ssafy/tiggle/data/repository/DutchPayRepositoryImpl.kt b/app/src/main/java/com/ssafy/tiggle/data/repository/DutchPayRepositoryImpl.kt
new file mode 100644
index 0000000..66d94b8
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/data/repository/DutchPayRepositoryImpl.kt
@@ -0,0 +1,36 @@
+package com.ssafy.tiggle.data.repository
+
+import com.ssafy.tiggle.data.datasource.remote.DutchPayApiService
+import com.ssafy.tiggle.data.model.dutchpay.request.DutchPayRequestDto
+import com.ssafy.tiggle.domain.entity.dutchpay.DutchPayRequest
+import com.ssafy.tiggle.domain.repository.DutchPayRepository
+import javax.inject.Inject
+import javax.inject.Singleton
+
+@Singleton
+class DutchPayRepositoryImpl @Inject constructor(
+    private val dutchPayApiService: DutchPayApiService
+) : DutchPayRepository {
+
+    override suspend fun createDutchPayRequest(request: DutchPayRequest): Result<Unit> {
+        return try {
+            val requestDto = DutchPayRequestDto(
+                userIds = request.userIds,
+                totalAmount = request.totalAmount,
+                title = request.title,
+                message = request.message,
+                payMore = request.payMore
+            )
+            
+            val response = dutchPayApiService.createDutchPayRequest(requestDto)
+            
+            if (response.isSuccessful) {
+                Result.success(Unit)
+            } else {
+                Result.failure(Exception("더치페이 요청 실패: ${response.code()}"))
+            }
+        } catch (e: Exception) {
+            Result.failure(e)
+        }
+    }
+}
diff --git a/app/src/main/java/com/ssafy/tiggle/data/repository/UniversityRepositoryImpl.kt b/app/src/main/java/com/ssafy/tiggle/data/repository/UniversityRepositoryImpl.kt
index 6116bd0..aa8a2ac 100644
--- a/app/src/main/java/com/ssafy/tiggle/data/repository/UniversityRepositoryImpl.kt
+++ b/app/src/main/java/com/ssafy/tiggle/data/repository/UniversityRepositoryImpl.kt
@@ -4,8 +4,8 @@ import android.util.Log
 import com.google.gson.Gson
 import com.ssafy.tiggle.data.datasource.remote.UniversityApiService
 import com.ssafy.tiggle.data.model.BaseResponse
-import com.ssafy.tiggle.domain.entity.Department
-import com.ssafy.tiggle.domain.entity.University
+import com.ssafy.tiggle.domain.entity.auth.Department
+import com.ssafy.tiggle.domain.entity.auth.University
 import com.ssafy.tiggle.domain.repository.UniversityRepository
 import javax.inject.Inject
 import javax.inject.Singleton
@@ -25,7 +25,10 @@ class UniversityRepositoryImpl @Inject constructor(
         return try {
             Log.d("UniversityRepositoryImpl", "📤 대학교 목록 요청 전송 중...")
             val response = universityApiService.getUniversities()
-            Log.d("UniversityRepositoryImpl", "📥 대학교 목록 응답 수신: isSuccessful=${response.isSuccessful}, code=${response.code()}")
+            Log.d(
+                "UniversityRepositoryImpl",
+                "📥 대학교 목록 응답 수신: isSuccessful=${response.isSuccessful}, code=${response.code()}"
+            )
 
             if (response.isSuccessful) {
                 val body = response.body()
@@ -39,7 +42,10 @@ class UniversityRepositoryImpl @Inject constructor(
                     Result.failure(Exception(body?.message ?: "대학교 목록을 불러올 수 없습니다."))
                 }
             } else {
-                Log.d("UniversityRepositoryImpl", "❌ HTTP 실패: ${response.code()} ${response.message()}")
+                Log.d(
+                    "UniversityRepositoryImpl",
+                    "❌ HTTP 실패: ${response.code()} ${response.message()}"
+                )
                 val errorBody = response.errorBody()?.string()
                 val message = when (response.code()) {
                     400 -> "잘못된 요청입니다."
@@ -51,7 +57,8 @@ class UniversityRepositoryImpl @Inject constructor(
                     else -> {
                         if (!errorBody.isNullOrEmpty()) {
                             try {
-                                val errorResponse = Gson().fromJson(errorBody, BaseResponse::class.java)
+                                val errorResponse =
+                                    Gson().fromJson(errorBody, BaseResponse::class.java)
                                 errorResponse.message ?: "대학교 목록을 불러올 수 없습니다. (${response.code()})"
                             } catch (e: Exception) {
                                 "대학교 목록을 불러올 수 없습니다. (${response.code()})"
@@ -74,7 +81,10 @@ class UniversityRepositoryImpl @Inject constructor(
         return try {
             Log.d("UniversityRepositoryImpl", "📤 학과 목록 요청 전송 중...")
             val response = universityApiService.getDepartments(universityId)
-            Log.d("UniversityRepositoryImpl", "📥 학과 목록 응답 수신: isSuccessful=${response.isSuccessful}, code=${response.code()}")
+            Log.d(
+                "UniversityRepositoryImpl",
+                "📥 학과 목록 응답 수신: isSuccessful=${response.isSuccessful}, code=${response.code()}"
+            )
 
             if (response.isSuccessful) {
                 val body = response.body()
@@ -88,7 +98,10 @@ class UniversityRepositoryImpl @Inject constructor(
                     Result.failure(Exception(body?.message ?: "학과 목록을 불러올 수 없습니다."))
                 }
             } else {
-                Log.d("UniversityRepositoryImpl", "❌ HTTP 실패: ${response.code()} ${response.message()}")
+                Log.d(
+                    "UniversityRepositoryImpl",
+                    "❌ HTTP 실패: ${response.code()} ${response.message()}"
+                )
                 val errorBody = response.errorBody()?.string()
                 val message = when (response.code()) {
                     400 -> "잘못된 요청입니다."
@@ -100,7 +113,8 @@ class UniversityRepositoryImpl @Inject constructor(
                     else -> {
                         if (!errorBody.isNullOrEmpty()) {
                             try {
-                                val errorResponse = Gson().fromJson(errorBody, BaseResponse::class.java)
+                                val errorResponse =
+                                    Gson().fromJson(errorBody, BaseResponse::class.java)
                                 errorResponse.message ?: "학과 목록을 불러올 수 없습니다. (${response.code()})"
                             } catch (e: Exception) {
                                 "학과 목록을 불러올 수 없습니다. (${response.code()})"
diff --git a/app/src/main/java/com/ssafy/tiggle/data/repository/UserRepositoryImpl.kt b/app/src/main/java/com/ssafy/tiggle/data/repository/UserRepositoryImpl.kt
index 53c5e7e..bae8782 100644
--- a/app/src/main/java/com/ssafy/tiggle/data/repository/UserRepositoryImpl.kt
+++ b/app/src/main/java/com/ssafy/tiggle/data/repository/UserRepositoryImpl.kt
@@ -1,14 +1,8 @@
 package com.ssafy.tiggle.data.repository
 
-import android.util.Log
-import com.google.gson.Gson
-import com.ssafy.tiggle.data.datasource.local.AuthDataSource
-import com.ssafy.tiggle.data.datasource.remote.AuthApiService
-import com.ssafy.tiggle.data.model.BaseResponse
-import com.ssafy.tiggle.data.model.LoginRequestDto
-import com.ssafy.tiggle.data.model.SignUpRequestDto
-import com.ssafy.tiggle.domain.entity.UserSignUp
+import com.ssafy.tiggle.data.datasource.remote.UserApiService
 import com.ssafy.tiggle.domain.repository.UserRepository
+import com.ssafy.tiggle.domain.entity.dutchpay.UserSummary
 import javax.inject.Inject
 import javax.inject.Singleton
 
@@ -19,128 +13,26 @@ import javax.inject.Singleton
  */
 @Singleton
 class UserRepositoryImpl @Inject constructor(
-    private val authApiService: AuthApiService,
-    private val authDataSource: AuthDataSource
+    private val userApiService: UserApiService
 ) : UserRepository {
 
-    override suspend fun signUpUser(userSignUp: UserSignUp): Result<Unit> {
-        return try {
-            // 도메인 엔티티를 DTO로 변환
-            val signUpRequest = SignUpRequestDto(
-                email = userSignUp.email,
-                password = userSignUp.password,
-                name = userSignUp.name,
-                universityId = userSignUp.universityId,
-                departmentId = userSignUp.departmentId,
-                studentId = userSignUp.studentId,
-                phone = userSignUp.phone,
-            )
-
-            val response = authApiService.signUp(signUpRequest)
 
-            if (response.isSuccessful) {
-                val body = response.body()
-                if (body != null && body.result) {
-                    Result.success(Unit)
-                } else {
-                    Result.failure(Exception(body?.message ?: "알 수 없는 오류가 발생했습니다."))
-                }
-            } else {
-                val errorBody = response.errorBody()?.string()
-                val message = when (response.code()) {
-                    400 -> "잘못된 요청입니다. 입력 정보를 확인해주세요."
-                    401 -> "인증이 필요합니다."
-                    403 -> "접근 권한이 없습니다. 회원가입 정보를 확인해주세요."
-                    404 -> "요청한 페이지를 찾을 수 없습니다."
-                    409 -> "이미 등록된 정보입니다. 다른 정보로 시도해주세요."
-                    500 -> "서버 내부 오류가 발생했습니다. 잠시 후 다시 시도해주세요."
-                    502, 503, 504 -> "서버가 일시적으로 이용할 수 없습니다. 잠시 후 다시 시도해주세요."
-                    else -> {
-                        // 응답 본문이 있으면 파싱 시도
-                        if (!errorBody.isNullOrEmpty()) {
-                            try {
-                                val errorResponse =
-                                    Gson().fromJson(errorBody, BaseResponse::class.java)
-                                errorResponse.message ?: "회원가입에 실패했습니다. (${response.code()})"
-                            } catch (e: Exception) {
-                                "회원가입에 실패했습니다. (${response.code()})"
-                            }
-                        } else {
-                            "회원가입에 실패했습니다. (${response.code()})"
-                        }
-                    }
-                }
-                Result.failure(Exception(message))
-            }
-        } catch (e: Exception) {
-            Log.e("UserRepositoryImpl", "💥 네트워크 예외 발생: ${e.message}", e)
-            Result.failure(Exception("네트워크 연결을 확인해주세요."))
-        }
-    }
-
-    override suspend fun loginUser(email: String, password: String): Result<Unit> {
+    override suspend fun getAllUsers(): Result<List<UserSummary>> {
         return try {
-            // 도메인 엔티티를 DTO로 변환
-            val loginRequest = LoginRequestDto(
-                email = email,
-                password = password
-            )
-
-            val response = authApiService.login(loginRequest)
-
+            val response = userApiService.getAllUsers()
             if (response.isSuccessful) {
                 val body = response.body()
-                if (body != null && body.result) {
-                    val newAccess = stripBearer(response.headers()["Authorization"])
-                    val setCookies = response.headers().values("Set-Cookie")
-                    authDataSource.saveSetCookies(setCookies)
-
-                    val cookieRefresh = setCookies.firstOrNull { it.startsWith("refreshToken=") }
-                        ?.substringAfter("refreshToken=")?.substringBefore(";")
-
-                    if (newAccess.isBlank() || cookieRefresh.isNullOrBlank()) {
-                        Result.failure(Exception("인증 토큰을 받을 수 없습니다."))
-                    } else {
-                        authDataSource.saveTokens(newAccess, cookieRefresh)
-                        Result.success(Unit)
-                    }
+                if (body != null && body.result && body.data != null) {
+                    Result.success(body.data.map { it.toDomain() })
                 } else {
-                    Result.failure(Exception(body?.message ?: "로그인에 실패했습니다."))
+                    Result.failure(Exception(body?.message ?: "사용자 목록을 가져오지 못했습니다."))
                 }
             } else {
-                val errorBody = response.errorBody()?.string()
-                val message = when (response.code()) {
-                    400 -> "잘못된 요청입니다. 입력 정보를 확인해주세요."
-                    401 -> "이메일 또는 비밀번호가 올바르지 않습니다."
-                    403 -> "접근 권한이 없습니다."
-                    404 -> "존재하지 않는 사용자입니다."
-                    500 -> "서버 내부 오류가 발생했습니다. 잠시 후 다시 시도해주세요."
-                    502, 503, 504 -> "서버가 일시적으로 이용할 수 없습니다. 잠시 후 다시 시도해주세요."
-                    else -> {
-                        if (!errorBody.isNullOrEmpty()) {
-                            try {
-                                val errorResponse =
-                                    Gson().fromJson(errorBody, BaseResponse::class.java)
-                                errorResponse.message ?: "로그인에 실패했습니다. (${response.code()})"
-                            } catch (e: Exception) {
-                                "로그인에 실패했습니다. (${response.code()})"
-                            }
-                        } else {
-                            "로그인에 실패했습니다. (${response.code()})"
-                        }
-                    }
-                }
-                Result.failure(Exception(message))
+                Result.failure(Exception("사용자 목록 조회 실패 (${response.code()})"))
             }
         } catch (e: Exception) {
-            Result.failure(Exception("네트워크 연결을 확인해주세요."))
+            Result.failure(Exception("네트워크 오류: ${e.message}"))
         }
     }
 
-    /**
-     * Authorization 헤더에서 Bearer 접두사를 제거하는 유틸리티 함수
-     */
-    private fun stripBearer(authHeader: String?): String {
-        return authHeader?.removePrefix("Bearer ")?.trim() ?: ""
-    }
 }
diff --git a/app/src/main/java/com/ssafy/tiggle/di/NetworkModule.kt b/app/src/main/java/com/ssafy/tiggle/di/NetworkModule.kt
index 151fbb1..45bbf20 100644
--- a/app/src/main/java/com/ssafy/tiggle/di/NetworkModule.kt
+++ b/app/src/main/java/com/ssafy/tiggle/di/NetworkModule.kt
@@ -1,12 +1,15 @@
 package com.ssafy.tiggle.di
 
+import com.ssafy.tiggle.core.network.AuthInterceptor
+import com.ssafy.tiggle.core.network.LoggingCookieJar
+import com.ssafy.tiggle.core.network.PrettyHttpLoggingInterceptor
 import com.ssafy.tiggle.data.datasource.local.AuthDataSource
 import com.ssafy.tiggle.data.datasource.remote.AuthApiService
-import com.ssafy.tiggle.data.datasource.remote.AuthInterceptor
+import com.ssafy.tiggle.data.datasource.remote.DutchPayApiService
 import com.ssafy.tiggle.data.datasource.remote.FcmApiService
 import com.ssafy.tiggle.data.datasource.remote.PiggyBankApiService
-import com.ssafy.tiggle.data.datasource.remote.PrettyHttpLoggingInterceptor
 import com.ssafy.tiggle.data.datasource.remote.UniversityApiService
+import com.ssafy.tiggle.data.datasource.remote.UserApiService
 import dagger.Module
 import dagger.Provides
 import dagger.hilt.InstallIn
@@ -32,13 +35,19 @@ object NetworkModule {
     fun providePrettyHttpLoggingInterceptor(): PrettyHttpLoggingInterceptor =
         PrettyHttpLoggingInterceptor()
 
+    @Provides
+    @Singleton
+    fun provideCookieJar(): LoggingCookieJar = LoggingCookieJar()
+
     /** 인증 없음: 로그인/재발급 등 */
     @Provides
     @Singleton
     @Named("noAuthClient")
     fun provideNoAuthOkHttp(
-        pretty: PrettyHttpLoggingInterceptor
+        pretty: PrettyHttpLoggingInterceptor,
+        cookieJar: LoggingCookieJar
     ): OkHttpClient = OkHttpClient.Builder()
+        .cookieJar(cookieJar)
         .addInterceptor(pretty)
         .connectTimeout(30, TimeUnit.SECONDS)
         .readTimeout(30, TimeUnit.SECONDS)
@@ -86,8 +95,10 @@ object NetworkModule {
     @Named("authClient")
     fun provideAuthOkHttp(
         pretty: PrettyHttpLoggingInterceptor,
-        authInterceptor: AuthInterceptor
+        authInterceptor: AuthInterceptor,
+        cookieJar: LoggingCookieJar
     ): OkHttpClient = OkHttpClient.Builder()
+        .cookieJar(cookieJar)
         .addInterceptor(authInterceptor)   // ⬅️ 토큰 붙임
         .addInterceptor(pretty)            // ⬅️ 로그
         .connectTimeout(30, TimeUnit.SECONDS)
@@ -121,4 +132,14 @@ object NetworkModule {
     @Singleton
     fun provideFcmApiService(retrofit: Retrofit): FcmApiService =
         retrofit.create(FcmApiService::class.java)
+
+    @Provides
+    @Singleton
+    fun provideUserApiService(retrofit: Retrofit): UserApiService =
+        retrofit.create(UserApiService::class.java)
+
+    @Provides
+    @Singleton
+    fun provideDutchPayApiService(retrofit: Retrofit): DutchPayApiService =
+        retrofit.create(DutchPayApiService::class.java)
 }
diff --git a/app/src/main/java/com/ssafy/tiggle/di/RepositoryModule.kt b/app/src/main/java/com/ssafy/tiggle/di/RepositoryModule.kt
index a644089..04aa6f1 100644
--- a/app/src/main/java/com/ssafy/tiggle/di/RepositoryModule.kt
+++ b/app/src/main/java/com/ssafy/tiggle/di/RepositoryModule.kt
@@ -1,9 +1,13 @@
 package com.ssafy.tiggle.di
 
+import com.ssafy.tiggle.data.repository.AuthRepositoryImpl
+import com.ssafy.tiggle.data.repository.DutchPayRepositoryImpl
 import com.ssafy.tiggle.data.repository.FcmRepositoryImpl
 import com.ssafy.tiggle.data.repository.PiggyBankRepositoryImpl
 import com.ssafy.tiggle.data.repository.UniversityRepositoryImpl
 import com.ssafy.tiggle.data.repository.UserRepositoryImpl
+import com.ssafy.tiggle.domain.repository.AuthRepository
+import com.ssafy.tiggle.domain.repository.DutchPayRepository
 import com.ssafy.tiggle.domain.repository.FcmRepository
 import com.ssafy.tiggle.domain.repository.PiggyBankRepository
 import com.ssafy.tiggle.domain.repository.UniversityRepository
@@ -28,6 +32,12 @@ abstract class RepositoryModule {
         userRepositoryImpl: UserRepositoryImpl
     ): UserRepository
 
+    @Binds
+    @Singleton
+    abstract fun bindAuthRepository(
+        authRepositoryImpl: AuthRepositoryImpl
+    ): AuthRepository
+
     @Binds
     @Singleton
     abstract fun bindUniversityRepository(
@@ -45,4 +55,10 @@ abstract class RepositoryModule {
     abstract fun bindFcmRepository(
         fcmRepositoryImpl: FcmRepositoryImpl
     ): FcmRepository
+
+    @Binds
+    @Singleton
+    abstract fun bindDutchPayRepository(
+        dutchPayRepositoryImpl: DutchPayRepositoryImpl
+    ): DutchPayRepository
 }
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/entity/Department.kt b/app/src/main/java/com/ssafy/tiggle/domain/entity/auth/Department.kt
similarity index 70%
rename from app/src/main/java/com/ssafy/tiggle/domain/entity/Department.kt
rename to app/src/main/java/com/ssafy/tiggle/domain/entity/auth/Department.kt
index df2175b..341e8cf 100644
--- a/app/src/main/java/com/ssafy/tiggle/domain/entity/Department.kt
+++ b/app/src/main/java/com/ssafy/tiggle/domain/entity/auth/Department.kt
@@ -1,4 +1,4 @@
-package com.ssafy.tiggle.domain.entity
+package com.ssafy.tiggle.domain.entity.auth
 
 /**
  * 학과 도메인 엔티티
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/entity/University.kt b/app/src/main/java/com/ssafy/tiggle/domain/entity/auth/University.kt
similarity index 70%
rename from app/src/main/java/com/ssafy/tiggle/domain/entity/University.kt
rename to app/src/main/java/com/ssafy/tiggle/domain/entity/auth/University.kt
index bad041d..19e9a11 100644
--- a/app/src/main/java/com/ssafy/tiggle/domain/entity/University.kt
+++ b/app/src/main/java/com/ssafy/tiggle/domain/entity/auth/University.kt
@@ -1,4 +1,4 @@
-package com.ssafy.tiggle.domain.entity
+package com.ssafy.tiggle.domain.entity.auth
 
 /**
  * 대학교 도메인 엔티티
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/entity/User.kt b/app/src/main/java/com/ssafy/tiggle/domain/entity/auth/User.kt
similarity index 85%
rename from app/src/main/java/com/ssafy/tiggle/domain/entity/User.kt
rename to app/src/main/java/com/ssafy/tiggle/domain/entity/auth/User.kt
index 2d52880..ace6565 100644
--- a/app/src/main/java/com/ssafy/tiggle/domain/entity/User.kt
+++ b/app/src/main/java/com/ssafy/tiggle/domain/entity/auth/User.kt
@@ -1,4 +1,4 @@
-package com.ssafy.tiggle.domain.entity
+package com.ssafy.tiggle.domain.entity.auth
 
 /**
  * 사용자 도메인 엔티티
@@ -12,4 +12,4 @@ data class User(
     val studentId: String,
     val createdAt: String? = null,
     val updatedAt: String? = null
-)
+)
\ No newline at end of file
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/entity/UserSignUp.kt b/app/src/main/java/com/ssafy/tiggle/domain/entity/auth/UserSignUp.kt
similarity index 99%
rename from app/src/main/java/com/ssafy/tiggle/domain/entity/UserSignUp.kt
rename to app/src/main/java/com/ssafy/tiggle/domain/entity/auth/UserSignUp.kt
index 87a2afe..4c1074d 100644
--- a/app/src/main/java/com/ssafy/tiggle/domain/entity/UserSignUp.kt
+++ b/app/src/main/java/com/ssafy/tiggle/domain/entity/auth/UserSignUp.kt
@@ -1,4 +1,4 @@
-package com.ssafy.tiggle.domain.entity
+package com.ssafy.tiggle.domain.entity.auth
 
 import android.util.Patterns
 
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/entity/dutchpay/DutchPayRequest.kt b/app/src/main/java/com/ssafy/tiggle/domain/entity/dutchpay/DutchPayRequest.kt
new file mode 100644
index 0000000..8725f29
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/domain/entity/dutchpay/DutchPayRequest.kt
@@ -0,0 +1,9 @@
+package com.ssafy.tiggle.domain.entity.dutchpay
+
+data class DutchPayRequest(
+    val userIds: List<Long>,
+    val totalAmount: Long,
+    val title: String,
+    val message: String,
+    val payMore: Boolean
+)
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/entity/dutchpay/UserSummary.kt b/app/src/main/java/com/ssafy/tiggle/domain/entity/dutchpay/UserSummary.kt
new file mode 100644
index 0000000..cccff60
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/domain/entity/dutchpay/UserSummary.kt
@@ -0,0 +1,9 @@
+package com.ssafy.tiggle.domain.entity.dutchpay
+
+/**
+ * 사용자 요약 도메인 엔티티 (리스트/피커용)
+ */
+data class UserSummary(
+    val id: Long,
+    val name: String
+)
\ No newline at end of file
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/repository/AuthRepository.kt b/app/src/main/java/com/ssafy/tiggle/domain/repository/AuthRepository.kt
new file mode 100644
index 0000000..2669a3d
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/domain/repository/AuthRepository.kt
@@ -0,0 +1,10 @@
+package com.ssafy.tiggle.domain.repository
+
+import com.ssafy.tiggle.domain.entity.auth.UserSignUp
+
+interface AuthRepository {
+    suspend fun signUpUser(userSignUp: UserSignUp): Result<Unit>
+    suspend fun loginUser(email: String, password: String): Result<Unit>
+}
+
+
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/repository/DutchPayRepository.kt b/app/src/main/java/com/ssafy/tiggle/domain/repository/DutchPayRepository.kt
new file mode 100644
index 0000000..8efe0a4
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/domain/repository/DutchPayRepository.kt
@@ -0,0 +1,7 @@
+package com.ssafy.tiggle.domain.repository
+
+import com.ssafy.tiggle.domain.entity.dutchpay.DutchPayRequest
+
+interface DutchPayRepository {
+    suspend fun createDutchPayRequest(request: DutchPayRequest): Result<Unit>
+}
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/repository/UniversityRepository.kt b/app/src/main/java/com/ssafy/tiggle/domain/repository/UniversityRepository.kt
index b325816..1496e9c 100644
--- a/app/src/main/java/com/ssafy/tiggle/domain/repository/UniversityRepository.kt
+++ b/app/src/main/java/com/ssafy/tiggle/domain/repository/UniversityRepository.kt
@@ -1,7 +1,7 @@
 package com.ssafy.tiggle.domain.repository
 
-import com.ssafy.tiggle.domain.entity.Department
-import com.ssafy.tiggle.domain.entity.University
+import com.ssafy.tiggle.domain.entity.auth.Department
+import com.ssafy.tiggle.domain.entity.auth.University
 
 /**
  * 대학교/학과 관련 Repository 인터페이스
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/repository/UserRepository.kt b/app/src/main/java/com/ssafy/tiggle/domain/repository/UserRepository.kt
index c1ea14e..6780b31 100644
--- a/app/src/main/java/com/ssafy/tiggle/domain/repository/UserRepository.kt
+++ b/app/src/main/java/com/ssafy/tiggle/domain/repository/UserRepository.kt
@@ -1,7 +1,6 @@
 package com.ssafy.tiggle.domain.repository
 
-import com.ssafy.tiggle.domain.entity.User
-import com.ssafy.tiggle.domain.entity.UserSignUp
+import com.ssafy.tiggle.domain.entity.dutchpay.UserSummary
 
 /**
  * 사용자 관련 Repository 인터페이스
@@ -11,19 +10,7 @@ import com.ssafy.tiggle.domain.entity.UserSignUp
 interface UserRepository {
 
     /**
-     * 회원가입
-     *
-     * @param userSignUp 회원가입 데이터
-     * @return Result<Unit> 성공 시 Unit, 실패 시 에러
+     * 전체 사용자 목록 조회 (간단 정보)
      */
-    suspend fun signUpUser(userSignUp: UserSignUp): Result<Unit>
-
-    /**
-     * 로그인
-     *
-     * @param email 이메일
-     * @param password 비밀번호
-     * @return Result<Unit> 성공 시 Unit, 실패 시 에러
-     */
-    suspend fun loginUser(email: String, password: String): Result<Unit>
+    suspend fun getAllUsers(): Result<List<UserSummary>>
 }
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/usecase/GetDepartmentsUseCase.kt b/app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/GetDepartmentsUseCase.kt
similarity index 85%
rename from app/src/main/java/com/ssafy/tiggle/domain/usecase/GetDepartmentsUseCase.kt
rename to app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/GetDepartmentsUseCase.kt
index f6d716e..bbe7d55 100644
--- a/app/src/main/java/com/ssafy/tiggle/domain/usecase/GetDepartmentsUseCase.kt
+++ b/app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/GetDepartmentsUseCase.kt
@@ -1,12 +1,12 @@
-package com.ssafy.tiggle.domain.usecase
+package com.ssafy.tiggle.domain.usecase.auth
 
-import com.ssafy.tiggle.domain.entity.Department
+import com.ssafy.tiggle.domain.entity.auth.Department
 import com.ssafy.tiggle.domain.repository.UniversityRepository
 import javax.inject.Inject
 
 /**
  * 학과 목록 조회 UseCase
- * 
+ *
  * 학과 목록 조회 비즈니스 로직을 처리합니다.
  */
 class GetDepartmentsUseCase @Inject constructor(
@@ -14,7 +14,7 @@ class GetDepartmentsUseCase @Inject constructor(
 ) {
     /**
      * 학과 목록 조회 실행
-     * 
+     *
      * @param universityId 대학교 ID
      * @return Result<List<Department>> 성공 시 학과 목록, 실패 시 에러
      */
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/usecase/GetUniversitiesUseCase.kt b/app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/GetUniversitiesUseCase.kt
similarity index 84%
rename from app/src/main/java/com/ssafy/tiggle/domain/usecase/GetUniversitiesUseCase.kt
rename to app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/GetUniversitiesUseCase.kt
index b947812..490cd0b 100644
--- a/app/src/main/java/com/ssafy/tiggle/domain/usecase/GetUniversitiesUseCase.kt
+++ b/app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/GetUniversitiesUseCase.kt
@@ -1,12 +1,12 @@
-package com.ssafy.tiggle.domain.usecase
+package com.ssafy.tiggle.domain.usecase.auth
 
-import com.ssafy.tiggle.domain.entity.University
+import com.ssafy.tiggle.domain.entity.auth.University
 import com.ssafy.tiggle.domain.repository.UniversityRepository
 import javax.inject.Inject
 
 /**
  * 대학교 목록 조회 UseCase
- * 
+ *
  * 대학교 목록 조회 비즈니스 로직을 처리합니다.
  */
 class GetUniversitiesUseCase @Inject constructor(
@@ -14,7 +14,7 @@ class GetUniversitiesUseCase @Inject constructor(
 ) {
     /**
      * 대학교 목록 조회 실행
-     * 
+     *
      * @return Result<List<University>> 성공 시 대학교 목록, 실패 시 에러
      */
     suspend operator fun invoke(): Result<List<University>> {
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/usecase/LoginUserUseCase.kt b/app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/LoginUserUseCase.kt
similarity index 75%
rename from app/src/main/java/com/ssafy/tiggle/domain/usecase/LoginUserUseCase.kt
rename to app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/LoginUserUseCase.kt
index 2785de2..84d8f6b 100644
--- a/app/src/main/java/com/ssafy/tiggle/domain/usecase/LoginUserUseCase.kt
+++ b/app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/LoginUserUseCase.kt
@@ -1,19 +1,19 @@
-package com.ssafy.tiggle.domain.usecase
+package com.ssafy.tiggle.domain.usecase.auth
 
-import com.ssafy.tiggle.domain.repository.UserRepository
+import com.ssafy.tiggle.domain.repository.AuthRepository
 import javax.inject.Inject
 
 /**
  * 로그인 UseCase
- * 
+ *
  * 로그인 비즈니스 로직을 처리합니다.
  */
 class LoginUserUseCase @Inject constructor(
-    private val userRepository: UserRepository
+    private val authRepository: AuthRepository
 ) {
     /**
      * 로그인 실행
-     * 
+     *
      * @param email 이메일
      * @param password 비밀번호
      * @return Result<Unit> 성공 시 Unit, 실패 시 에러
@@ -25,8 +25,8 @@ class LoginUserUseCase @Inject constructor(
                 IllegalArgumentException("이메일과 비밀번호를 입력해주세요.")
             )
         }
-        
+
         // 로그인 실행
-        return userRepository.loginUser(email, password)
+        return authRepository.loginUser(email, password)
     }
 }
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/usecase/SignUpUserUseCase.kt b/app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/SignUpUserUseCase.kt
similarity index 73%
rename from app/src/main/java/com/ssafy/tiggle/domain/usecase/SignUpUserUseCase.kt
rename to app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/SignUpUserUseCase.kt
index 5d55f03..943e76d 100644
--- a/app/src/main/java/com/ssafy/tiggle/domain/usecase/SignUpUserUseCase.kt
+++ b/app/src/main/java/com/ssafy/tiggle/domain/usecase/auth/SignUpUserUseCase.kt
@@ -1,20 +1,20 @@
-package com.ssafy.tiggle.domain.usecase
+package com.ssafy.tiggle.domain.usecase.auth
 
-import com.ssafy.tiggle.domain.entity.UserSignUp
-import com.ssafy.tiggle.domain.repository.UserRepository
+import com.ssafy.tiggle.domain.entity.auth.UserSignUp
+import com.ssafy.tiggle.domain.repository.AuthRepository
 import javax.inject.Inject
 
 /**
  * 회원가입 UseCase
- * 
+ *
  * 회원가입 비즈니스 로직을 처리합니다.
  */
 class SignUpUserUseCase @Inject constructor(
-    private val userRepository: UserRepository
+    private val authRepository: AuthRepository
 ) {
     /**
      * 회원가입 실행
-     * 
+     *
      * @param userSignUp 회원가입 데이터
      * @return Result<User> 성공 시 생성된 사용자 정보, 실패 시 에러
      */
@@ -28,6 +28,6 @@ class SignUpUserUseCase @Inject constructor(
         }
 
         // 2. 회원가입 실행 후 결과 반환
-        return userRepository.signUpUser(validatedData)
+        return authRepository.signUpUser(validatedData)
     }
 }
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/usecase/dutchpay/CreateDutchPayRequestUseCase.kt b/app/src/main/java/com/ssafy/tiggle/domain/usecase/dutchpay/CreateDutchPayRequestUseCase.kt
new file mode 100644
index 0000000..674714d
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/domain/usecase/dutchpay/CreateDutchPayRequestUseCase.kt
@@ -0,0 +1,13 @@
+package com.ssafy.tiggle.domain.usecase.dutchpay
+
+import com.ssafy.tiggle.domain.entity.dutchpay.DutchPayRequest
+import com.ssafy.tiggle.domain.repository.DutchPayRepository
+import javax.inject.Inject
+
+class CreateDutchPayRequestUseCase @Inject constructor(
+    private val dutchPayRepository: DutchPayRepository
+) {
+    suspend operator fun invoke(request: DutchPayRequest): Result<Unit> {
+        return dutchPayRepository.createDutchPayRequest(request)
+    }
+}
diff --git a/app/src/main/java/com/ssafy/tiggle/domain/usecase/dutchpay/GetAllUsersUseCase.kt b/app/src/main/java/com/ssafy/tiggle/domain/usecase/dutchpay/GetAllUsersUseCase.kt
new file mode 100644
index 0000000..bcb00c7
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/domain/usecase/dutchpay/GetAllUsersUseCase.kt
@@ -0,0 +1,13 @@
+package com.ssafy.tiggle.domain.usecase.dutchpay
+
+import com.ssafy.tiggle.domain.entity.dutchpay.UserSummary
+import com.ssafy.tiggle.domain.repository.UserRepository
+import javax.inject.Inject
+
+class GetAllUsersUseCase @Inject constructor(
+    private val userRepository: UserRepository
+) {
+    suspend operator fun invoke(): Result<List<UserSummary>> {
+        return userRepository.getAllUsers()
+    }
+}
\ No newline at end of file
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/navigation/NavigationGraph.kt b/app/src/main/java/com/ssafy/tiggle/presentation/navigation/NavigationGraph.kt
index 39708c6..7b1ea31 100644
--- a/app/src/main/java/com/ssafy/tiggle/presentation/navigation/NavigationGraph.kt
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/navigation/NavigationGraph.kt
@@ -14,6 +14,7 @@ import androidx.navigation3.ui.NavDisplay
 import androidx.navigation3.ui.rememberSceneSetupNavEntryDecorator
 import com.ssafy.tiggle.presentation.ui.auth.login.LoginScreen
 import com.ssafy.tiggle.presentation.ui.auth.signup.SignUpScreen
+import com.ssafy.tiggle.presentation.ui.dutchpay.CreateDutchPayScreen
 import com.ssafy.tiggle.presentation.ui.piggybank.OpenAccountScreen
 import com.ssafy.tiggle.presentation.ui.piggybank.PiggyBankScreen
 import com.ssafy.tiggle.presentation.ui.piggybank.RegisterAccountScreen
@@ -82,6 +83,9 @@ fun NavigationGraph() {
                             onRegisterAccountClick = {
                                 navBackStack.add(Screen.RegisterAccount)
                             },
+                            onStartDutchPayClick = {
+                                navBackStack.add(Screen.CreateDutchPay)
+                            },
                             onBackClick = {
                                 navBackStack.removeLastOrNull()
                             }
@@ -101,6 +105,13 @@ fun NavigationGraph() {
                         )
                     }
 
+                    is Screen.CreateDutchPay -> NavEntry(key) {
+                        CreateDutchPayScreen(
+                            onBackClick = { navBackStack.removeLastOrNull() },
+                            onFinish = { navBackStack.removeLastOrNull() }
+                        )
+                    }
+
                     else -> throw IllegalArgumentException("Unknown route: $key")
                 }
 
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/navigation/Screen.kt b/app/src/main/java/com/ssafy/tiggle/presentation/navigation/Screen.kt
index 19874c7..ab72fac 100644
--- a/app/src/main/java/com/ssafy/tiggle/presentation/navigation/Screen.kt
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/navigation/Screen.kt
@@ -32,4 +32,7 @@ sealed interface Screen : NavKey {
 
     @Serializable
     object RegisterAccount : Screen
+
+    @Serializable
+    object CreateDutchPay : Screen
 }
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/login/LoginViewModel.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/login/LoginViewModel.kt
index 1fdee60..e5e0b54 100644
--- a/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/login/LoginViewModel.kt
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/login/LoginViewModel.kt
@@ -4,7 +4,7 @@ import android.util.Log
 import androidx.lifecycle.ViewModel
 import androidx.lifecycle.viewModelScope
 import com.ssafy.tiggle.core.fcm.FcmTokenUploader
-import com.ssafy.tiggle.domain.usecase.LoginUserUseCase
+import com.ssafy.tiggle.domain.usecase.auth.LoginUserUseCase
 import dagger.hilt.android.lifecycle.HiltViewModel
 import kotlinx.coroutines.flow.MutableStateFlow
 import kotlinx.coroutines.flow.StateFlow
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpScreen.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpScreen.kt
index 3866303..8b4b2e2 100644
--- a/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpScreen.kt
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpScreen.kt
@@ -21,7 +21,9 @@ import androidx.compose.ui.tooling.preview.Preview
 import androidx.compose.ui.unit.dp
 import androidx.compose.ui.unit.sp
 import androidx.hilt.navigation.compose.hiltViewModel
-import com.ssafy.tiggle.domain.entity.UserSignUp
+import com.ssafy.tiggle.domain.entity.auth.UserSignUp
+import com.ssafy.tiggle.domain.entity.auth.Department
+import com.ssafy.tiggle.domain.entity.auth.University
 import com.ssafy.tiggle.presentation.ui.components.TiggleAllAgreeCheckboxItem
 import com.ssafy.tiggle.presentation.ui.components.TiggleButton
 import com.ssafy.tiggle.presentation.ui.components.TiggleButtonVariant
@@ -431,10 +433,12 @@ private fun SchoolInformationScreen(
     // 드롭다운에 표시할 학교/학과 이름 목록
     val schoolNames = uiState.universities.map { it.name }
     val departmentNames = uiState.departments.map { it.name }
-    
+
     // 현재 선택된 학교/학과 이름
-    val selectedSchoolName = uiState.universities.find { "${it.id}" == uiState.userData.universityId }?.name ?: ""
-    val selectedDepartmentName = uiState.departments.find { "${it.id}" == uiState.userData.departmentId }?.name ?: ""
+    val selectedSchoolName =
+        uiState.universities.find { "${it.id}" == uiState.userData.universityId }?.name ?: ""
+    val selectedDepartmentName =
+        uiState.departments.find { "${it.id}" == uiState.userData.departmentId }?.name ?: ""
 
     TiggleScreenLayout(
         showBackButton = true,
@@ -718,12 +722,12 @@ private fun SignUpSchoolScreenPreview() {
             universityId = "1"
         ),
         universities = listOf(
-            com.ssafy.tiggle.domain.entity.University(1, "SSAFY"),
-            com.ssafy.tiggle.domain.entity.University(2, "서울대학교")
+            University(1, "SSAFY"),
+            University(2, "서울대학교")
         ),
         departments = listOf(
-            com.ssafy.tiggle.domain.entity.Department(1, "컴퓨터공학과"),
-            com.ssafy.tiggle.domain.entity.Department(2, "소프트웨어학과")
+            Department(1, "컴퓨터공학과"),
+            Department(2, "소프트웨어학과")
         )
     )
 
@@ -756,8 +760,8 @@ private fun SignUpLoadingScreenPreview() {
             universityId = "1"
         ),
         universities = listOf(
-            com.ssafy.tiggle.domain.entity.University(1, "SSAFY"),
-            com.ssafy.tiggle.domain.entity.University(2, "서울대학교")
+            University(1, "SSAFY"),
+            University(2, "서울대학교")
         ),
         isUniversitiesLoading = true
     )
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpUiState.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpUiState.kt
index 0954977..2ca48a1 100644
--- a/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpUiState.kt
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpUiState.kt
@@ -1,8 +1,8 @@
 package com.ssafy.tiggle.presentation.ui.auth.signup
 
-import com.ssafy.tiggle.domain.entity.Department
-import com.ssafy.tiggle.domain.entity.University
-import com.ssafy.tiggle.domain.entity.UserSignUp
+import com.ssafy.tiggle.domain.entity.auth.Department
+import com.ssafy.tiggle.domain.entity.auth.University
+import com.ssafy.tiggle.domain.entity.auth.UserSignUp
 
 /**
  * 회원가입 전체 과정의 UI 상태
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpViewModel.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpViewModel.kt
index 975572a..b1b87bb 100644
--- a/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpViewModel.kt
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/auth/signup/SignUpViewModel.kt
@@ -3,10 +3,10 @@ package com.ssafy.tiggle.presentation.ui.auth.signup
 import android.util.Log
 import androidx.lifecycle.ViewModel
 import androidx.lifecycle.viewModelScope
-import com.ssafy.tiggle.domain.entity.ValidationField
-import com.ssafy.tiggle.domain.usecase.GetDepartmentsUseCase
-import com.ssafy.tiggle.domain.usecase.GetUniversitiesUseCase
-import com.ssafy.tiggle.domain.usecase.SignUpUserUseCase
+import com.ssafy.tiggle.domain.entity.auth.ValidationField
+import com.ssafy.tiggle.domain.usecase.auth.GetDepartmentsUseCase
+import com.ssafy.tiggle.domain.usecase.auth.GetUniversitiesUseCase
+import com.ssafy.tiggle.domain.usecase.auth.SignUpUserUseCase
 import dagger.hilt.android.lifecycle.HiltViewModel
 import kotlinx.coroutines.flow.MutableStateFlow
 import kotlinx.coroutines.flow.StateFlow
@@ -85,7 +85,7 @@ class SignUpViewModel @Inject constructor(
         val currentData = _uiState.value.userData
         val newData = currentData.copy(universityId = school).validateField(ValidationField.SCHOOL)
         _uiState.value = _uiState.value.copy(userData = newData)
-        
+
         // 학교가 변경되면 해당 학교의 학과 목록을 불러옴
         if (school.isNotBlank()) {
             loadDepartments(school.toLongOrNull() ?: return)
@@ -235,7 +235,7 @@ class SignUpViewModel @Inject constructor(
     fun loadUniversities() {
         Log.d("SignUpViewModel", "🏫 대학교 목록 로드 시작")
         _uiState.value = _uiState.value.copy(isUniversitiesLoading = true)
-        
+
         viewModelScope.launch {
             getUniversitiesUseCase()
                 .onSuccess { universities ->
@@ -259,7 +259,7 @@ class SignUpViewModel @Inject constructor(
     private fun loadDepartments(universityId: Long) {
         Log.d("SignUpViewModel", "🎓 학과 목록 로드 시작 (대학교 ID: $universityId)")
         _uiState.value = _uiState.value.copy(isDepartmentsLoading = true)
-        
+
         viewModelScope.launch {
             getDepartmentsUseCase(universityId)
                 .onSuccess { departments ->
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/TiggleScreenLayout.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/TiggleScreenLayout.kt
index 96186e7..537e6f5 100644
--- a/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/TiggleScreenLayout.kt
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/TiggleScreenLayout.kt
@@ -98,7 +98,7 @@ private fun TiggleScreenLayoutPreview() {
                 fontSize = 20.sp,
                 fontWeight = FontWeight.Bold
             )
-            
+            23
             Spacer(modifier = Modifier.height(16.dp))
             
             Text(
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/TiggleSwitchRow.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/TiggleSwitchRow.kt
new file mode 100644
index 0000000..7d1db35
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/TiggleSwitchRow.kt
@@ -0,0 +1,65 @@
+package com.ssafy.tiggle.presentation.ui.components
+
+import androidx.compose.foundation.layout.Column
+import androidx.compose.foundation.layout.Row
+import androidx.compose.foundation.layout.Spacer
+import androidx.compose.foundation.layout.fillMaxWidth
+import androidx.compose.foundation.layout.height
+import androidx.compose.foundation.layout.padding
+import androidx.compose.foundation.layout.size
+import androidx.compose.material3.Switch
+import androidx.compose.material3.SwitchDefaults
+import androidx.compose.material3.Text
+import androidx.compose.runtime.Composable
+import androidx.compose.ui.Alignment
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.graphics.Color
+import androidx.compose.ui.unit.dp
+import androidx.compose.ui.unit.sp
+import com.ssafy.tiggle.presentation.ui.theme.AppTypography
+import com.ssafy.tiggle.presentation.ui.theme.TiggleBlue
+import com.ssafy.tiggle.presentation.ui.theme.TiggleGray
+import com.ssafy.tiggle.presentation.ui.theme.TiggleGrayText
+
+/**
+ * 라벨 + 서브타이틀이 있는 공통 스위치 행 컴포넌트
+ */
+@Composable
+fun TiggleSwitchRow(
+    title: String,
+    subtitle: String,
+    checked: Boolean,
+    onCheckedChange: (Boolean) -> Unit,
+    modifier: Modifier = Modifier
+) {
+    Row(
+        modifier = modifier
+            .fillMaxWidth()
+            .padding(horizontal = 10.dp, vertical = 19.dp),
+        verticalAlignment = Alignment.CenterVertically
+    ) {
+        Column(modifier = Modifier.weight(1f)) {
+            Text(title, color = Color.Black, fontSize = 15.sp, style = AppTypography.bodyLarge)
+            Spacer(Modifier.height(4.dp))
+            Text(
+                subtitle,
+                color = TiggleGrayText,
+                fontSize = 10.sp,
+                style = AppTypography.bodySmall
+            )
+        }
+        Switch(
+            checked = checked,
+            onCheckedChange = onCheckedChange,
+            colors = SwitchDefaults.colors(
+                checkedThumbColor = Color.White,
+                checkedTrackColor = TiggleBlue,
+                uncheckedThumbColor = Color.White,
+                uncheckedTrackColor = TiggleGray
+            ),
+            modifier = Modifier.size(10.dp, 5.dp)
+        )
+    }
+}
+
+
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/TiggleTextField.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/TiggleTextField.kt
index 43b7db8..7295920 100644
--- a/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/TiggleTextField.kt
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/TiggleTextField.kt
@@ -45,7 +45,9 @@ fun TiggleTextField(
     keyboardType: KeyboardType = KeyboardType.Text,
     modifier: Modifier = Modifier,
     isError: Boolean = false,
-    errorMessage: String? = null
+    errorMessage: String? = null,
+    maxLines: Int = 1,
+    minLines: Int = 1
 ) {
     var isPasswordVisible by remember { mutableStateOf(false) }
 
@@ -95,7 +97,9 @@ fun TiggleTextField(
             keyboardOptions = KeyboardOptions(
                 keyboardType = keyboardType
             ),
-            singleLine = true,
+            singleLine = maxLines == 1,
+            maxLines = maxLines,
+            minLines = minLines,
             shape = RoundedCornerShape(8.dp),
             colors = OutlinedTextFieldDefaults.colors(
                 unfocusedBorderColor = if (isError) MaterialTheme.colorScheme.error else TiggleGrayLight,
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/UserPicker.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/UserPicker.kt
new file mode 100644
index 0000000..184eff3
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/components/UserPicker.kt
@@ -0,0 +1,186 @@
+package com.ssafy.tiggle.presentation.ui.components
+
+import androidx.compose.foundation.background
+import androidx.compose.foundation.clickable
+import androidx.compose.foundation.layout.Arrangement
+import androidx.compose.foundation.layout.Box
+import androidx.compose.foundation.layout.Column
+import androidx.compose.foundation.layout.FlowRow
+import androidx.compose.foundation.layout.Row
+import androidx.compose.foundation.layout.Spacer
+import androidx.compose.foundation.layout.fillMaxWidth
+import androidx.compose.foundation.layout.height
+import androidx.compose.foundation.layout.padding
+import androidx.compose.foundation.layout.size
+import androidx.compose.foundation.lazy.LazyColumn
+import androidx.compose.foundation.lazy.items
+import androidx.compose.foundation.shape.CircleShape
+import androidx.compose.foundation.shape.RoundedCornerShape
+import androidx.compose.material.icons.Icons
+import androidx.compose.material.icons.filled.Close
+import androidx.compose.material3.Card
+import androidx.compose.material3.CardDefaults
+import androidx.compose.material3.Icon
+import androidx.compose.material3.IconButton
+import androidx.compose.material3.MaterialTheme
+import androidx.compose.material3.OutlinedTextField
+import androidx.compose.material3.OutlinedTextFieldDefaults
+import androidx.compose.material3.Text
+import androidx.compose.runtime.Composable
+import androidx.compose.runtime.getValue
+import androidx.compose.runtime.mutableStateOf
+import androidx.compose.runtime.remember
+import androidx.compose.runtime.saveable.rememberSaveable
+import androidx.compose.runtime.setValue
+import androidx.compose.ui.Alignment
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.graphics.Color
+import androidx.compose.ui.res.painterResource
+import androidx.compose.ui.text.font.FontWeight
+import androidx.compose.ui.unit.dp
+import com.ssafy.tiggle.R
+import com.ssafy.tiggle.domain.entity.dutchpay.UserSummary
+import com.ssafy.tiggle.presentation.ui.theme.TiggleBlue
+import com.ssafy.tiggle.presentation.ui.theme.TiggleGrayLight
+import com.ssafy.tiggle.presentation.ui.theme.TiggleGrayText
+
+@Composable
+fun UserPicker(
+    users: List<UserSummary>,
+    selectedUserIds: Set<Long>,
+    onToggleUser: (Long) -> Unit,
+    modifier: Modifier = Modifier
+) {
+    var query by rememberSaveable { mutableStateOf("") }
+    val filteredUsers = remember(users, query) {
+        if (query.isBlank()) users else users.filter { it.name.contains(query, ignoreCase = true) }
+    }
+
+    Column(modifier = modifier) {
+        OutlinedTextField(
+            value = query,
+            onValueChange = { query = it },
+            modifier = Modifier
+                .fillMaxWidth()
+                .padding(bottom = 12.dp),
+            placeholder = { Text(text = "이름으로 검색", color = TiggleGrayText) },
+            singleLine = true,
+            trailingIcon = {
+                if (query.isNotBlank()) {
+                    IconButton(onClick = { query = "" }) {
+                        Icon(imageVector = Icons.Default.Close, contentDescription = "clear")
+                    }
+                }
+            },
+            colors = OutlinedTextFieldDefaults.colors(
+                unfocusedBorderColor = TiggleGrayLight,
+                focusedBorderColor = TiggleBlue
+            )
+        )
+        // 선택된 사용자 칩 영역
+        if (selectedUserIds.isNotEmpty()) {
+            FlowRow(
+                modifier = Modifier.fillMaxWidth(),
+                horizontalArrangement = Arrangement.Start
+            ) {
+                users.filter { selectedUserIds.contains(it.id) }.forEach { user ->
+                    SelectedUserChip(
+                        name = user.name,
+                        onRemove = { onToggleUser(user.id) },
+                        modifier = Modifier.padding(end = 8.dp, bottom = 8.dp)
+                    )
+                }
+            }
+            Spacer(Modifier.height(8.dp))
+        }
+
+        // 사용자 리스트
+        Card(
+            modifier = Modifier.fillMaxWidth(),
+            shape = RoundedCornerShape(12.dp),
+            colors = CardDefaults.cardColors(containerColor = Color.White),
+            elevation = CardDefaults.cardElevation(defaultElevation = 0.dp)
+        ) {
+            LazyColumn {
+                items(filteredUsers, key = { it.id }) { user ->
+                    UserRow(
+                        user = user,
+                        isSelected = selectedUserIds.contains(user.id),
+                        onClick = { onToggleUser(user.id) }
+                    )
+                }
+            }
+        }
+    }
+}
+
+@Composable
+private fun UserRow(user: UserSummary, isSelected: Boolean, onClick: () -> Unit) {
+    Row(
+        modifier = Modifier
+            .fillMaxWidth()
+            .clickable { onClick() }
+            .padding(horizontal = 12.dp, vertical = 14.dp),
+        verticalAlignment = Alignment.CenterVertically
+    ) {
+        // 아바타 (이니셜)
+        Box(
+            modifier = Modifier
+                .size(32.dp)
+                .background(
+                    color = if (isSelected) TiggleBlue else TiggleGrayLight,
+                    shape = CircleShape
+                ),
+            contentAlignment = Alignment.Center
+        ) {
+            Text(
+                text = user.name.firstOrNull()?.toString() ?: "?",
+                color = if (isSelected) Color.White else Color.Black,
+                fontWeight = FontWeight.Bold
+            )
+        }
+
+        Column(
+            modifier = Modifier
+                .weight(1f)
+                .padding(start = 12.dp)
+        ) {
+            Text(text = user.name, color = Color.Black)
+        }
+
+        Icon(
+            painter = androidx.compose.ui.res.painterResource(id = R.drawable.check),
+            contentDescription = null,
+            tint = if (isSelected) TiggleBlue else TiggleGrayText
+        )
+    }
+}
+
+@Composable
+private fun SelectedUserChip(name: String, onRemove: () -> Unit, modifier: Modifier = Modifier) {
+    Row(
+        modifier = modifier
+            .background(TiggleGrayLight, RoundedCornerShape(16.dp))
+            .padding(horizontal = 10.dp, vertical = 6.dp),
+        verticalAlignment = Alignment.CenterVertically
+    ) {
+        Text(text = name, style = MaterialTheme.typography.bodySmall)
+        Spacer(Modifier.size(6.dp))
+        Box(
+            modifier = Modifier
+                .size(18.dp)
+                .background(Color.White, CircleShape)
+                .clickable { onRemove() },
+            contentAlignment = Alignment.Center
+        ) {
+            Icon(
+                painter = painterResource(id = R.drawable.ic_launcher_foreground),
+                contentDescription = "remove",
+                tint = TiggleGrayText,
+                modifier = Modifier.size(12.dp)
+            )
+        }
+    }
+}
+
+
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayScreen.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayScreen.kt
new file mode 100644
index 0000000..7c33d9c
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayScreen.kt
@@ -0,0 +1,699 @@
+package com.ssafy.tiggle.presentation.ui.dutchpay
+
+import androidx.compose.foundation.Image
+import androidx.compose.foundation.background
+import androidx.compose.foundation.layout.Arrangement
+import androidx.compose.foundation.layout.Box
+import androidx.compose.foundation.layout.Column
+import androidx.compose.foundation.layout.FlowRow
+import androidx.compose.foundation.layout.Row
+import androidx.compose.foundation.layout.Spacer
+import androidx.compose.foundation.layout.fillMaxSize
+import androidx.compose.foundation.layout.fillMaxWidth
+import androidx.compose.foundation.layout.height
+import androidx.compose.foundation.layout.padding
+import androidx.compose.foundation.layout.size
+import androidx.compose.foundation.rememberScrollState
+import androidx.compose.foundation.shape.RoundedCornerShape
+import androidx.compose.foundation.text.BasicTextField
+import androidx.compose.foundation.text.KeyboardOptions
+import androidx.compose.foundation.verticalScroll
+import androidx.compose.material3.AlertDialog
+import androidx.compose.material3.Card
+import androidx.compose.material3.CardDefaults
+import androidx.compose.material3.DividerDefaults
+import androidx.compose.material3.HorizontalDivider
+import androidx.compose.material3.Text
+import androidx.compose.material3.TextButton
+import androidx.compose.runtime.Composable
+import androidx.compose.runtime.LaunchedEffect
+import androidx.compose.runtime.collectAsState
+import androidx.compose.runtime.getValue
+import androidx.compose.ui.Alignment
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.draw.clip
+import androidx.compose.ui.graphics.Color
+import androidx.compose.ui.res.painterResource
+import androidx.compose.ui.text.font.FontWeight
+import androidx.compose.ui.text.input.KeyboardType
+import androidx.compose.ui.text.style.TextAlign
+import androidx.compose.ui.tooling.preview.Preview
+import androidx.compose.ui.unit.dp
+import androidx.compose.ui.unit.sp
+import androidx.hilt.navigation.compose.hiltViewModel
+import com.ssafy.tiggle.R
+import com.ssafy.tiggle.core.utils.Formatter
+import com.ssafy.tiggle.domain.entity.dutchpay.UserSummary
+import com.ssafy.tiggle.presentation.ui.components.TiggleButton
+import com.ssafy.tiggle.presentation.ui.components.TiggleButtonVariant
+import com.ssafy.tiggle.presentation.ui.components.TiggleScreenLayout
+import com.ssafy.tiggle.presentation.ui.components.TiggleSwitchRow
+import com.ssafy.tiggle.presentation.ui.components.TiggleTextField
+import com.ssafy.tiggle.presentation.ui.components.UserPicker
+import com.ssafy.tiggle.presentation.ui.theme.AppTypography
+import com.ssafy.tiggle.presentation.ui.theme.TiggleBlue
+import com.ssafy.tiggle.presentation.ui.theme.TiggleGrayLight
+import kotlin.math.ceil
+
+@Composable
+fun CreateDutchPayScreen(
+    onBackClick: () -> Unit = {},
+    onFinish: () -> Unit = {},
+    viewModel: CreateDutchPayViewModel = hiltViewModel()
+) {
+    val uiState by viewModel.uiState.collectAsState()
+
+    LaunchedEffect(Unit) {
+        viewModel.loadUsers()
+    }
+
+    TiggleScreenLayout(
+        title = when (uiState.step) {
+            CreateDutchPayStep.PICK_USERS -> "유저 선택"
+            CreateDutchPayStep.INPUT_AMOUNT -> "결제 금액 입력"
+            CreateDutchPayStep.COMPLETE -> "요청 전송 완료"
+        },
+        onBackClick = {
+            if (uiState.step == CreateDutchPayStep.PICK_USERS) onBackClick() else viewModel.goPrev()
+        },
+        bottomButton = {
+            TiggleButton(
+                text = when (uiState.step) {
+                    CreateDutchPayStep.PICK_USERS -> "다음"
+                    CreateDutchPayStep.INPUT_AMOUNT -> "요청 보내기"
+                    CreateDutchPayStep.COMPLETE -> "완료"
+                },
+                onClick = {
+                    when (uiState.step) {
+                        CreateDutchPayStep.PICK_USERS -> viewModel.goNext()
+                        CreateDutchPayStep.INPUT_AMOUNT -> viewModel.goNext()
+                        CreateDutchPayStep.COMPLETE -> onFinish()
+                    }
+                },
+                enabled = when (uiState.step) {
+                    CreateDutchPayStep.PICK_USERS -> uiState.selectedUserIds.isNotEmpty()
+                    CreateDutchPayStep.INPUT_AMOUNT -> uiState.amountText.isNotBlank() && uiState.title.isNotBlank()
+                    CreateDutchPayStep.COMPLETE -> true
+                },
+                isLoading = uiState.isLoading,
+                variant = TiggleButtonVariant.Primary
+            )
+        }
+    ) {
+        when (uiState.step) {
+            CreateDutchPayStep.PICK_USERS -> {
+                DutchPayPickUsersContent(
+                    users = uiState.users,
+                    selectedUserIds = uiState.selectedUserIds,
+                    onToggleUser = viewModel::toggleUser
+                )
+            }
+
+            CreateDutchPayStep.INPUT_AMOUNT -> {
+                DutchPayInputAmountContent(
+                    selectedUsers = uiState.users.filter { uiState.selectedUserIds.contains(it.id) },
+                    amountText = uiState.amountText,
+                    onAmountChange = viewModel::updateAmount,
+                    selectedCount = uiState.selectedUserIds.size,
+                    payMore = uiState.payMore,
+                    onPayMoreChange = viewModel::setPayMore,
+                    title = uiState.title,
+                    onTitleChange = viewModel::updateTitle,
+                    message = uiState.message,
+                    onMessageChange = viewModel::updateMessage
+                )
+            }
+
+            CreateDutchPayStep.COMPLETE -> {
+                DutchPayCompleteContent(
+                    totalAmount = uiState.amountText.toLongOrNull() ?: 0L,
+                    selectedUsers = uiState.users.filter { uiState.selectedUserIds.contains(it.id) },
+                    payMore = uiState.payMore
+                )
+            }
+        }
+    }
+
+    // 에러 다이얼로그 표시
+    uiState.errorMessage?.let { errorMessage ->
+        AlertDialog(
+            onDismissRequest = { viewModel.clearErrorMessage() },
+            title = {
+                Text("오류")
+            },
+            text = {
+                Text(errorMessage)
+            },
+            confirmButton = {
+                TextButton(
+                    onClick = { viewModel.clearErrorMessage() }
+                ) {
+                    Text("확인")
+                }
+            }
+        )
+    }
+}
+
+@Composable
+fun DutchPayPickUsersContent(
+    users: List<UserSummary>,
+    selectedUserIds: Set<Long>,
+    onToggleUser: (Long) -> Unit
+) {
+    Column(
+        modifier = Modifier
+            .fillMaxSize()
+            .padding(top = 12.dp)
+    ) {
+        Text("함께 결제할 유저를 선택하세요", style = AppTypography.bodyLarge)
+        Spacer(Modifier.height(12.dp))
+        UserPicker(
+            users = users,
+            selectedUserIds = selectedUserIds,
+            onToggleUser = onToggleUser
+        )
+    }
+}
+
+@Composable
+fun DutchPayInputAmountContent(
+    selectedUsers: List<UserSummary>,
+    amountText: String,
+    onAmountChange: (String) -> Unit,
+    selectedCount: Int,
+    payMore: Boolean,
+    onPayMoreChange: (Boolean) -> Unit,
+    title: String,
+    onTitleChange: (String) -> Unit,
+    message: String,
+    onMessageChange: (String) -> Unit
+) {
+    Column(
+        modifier = Modifier
+            .fillMaxSize()
+            .verticalScroll(rememberScrollState())
+            .padding(top = 12.dp)
+    ) {
+        // 선택한 친구 섹션
+        if (selectedUsers.isNotEmpty()) {
+            Text("선택한 친구 (${selectedUsers.size}명)", style = AppTypography.bodyLarge)
+            Spacer(Modifier.height(8.dp))
+            FlowRow(modifier = Modifier.fillMaxWidth()) {
+                selectedUsers.forEach { user ->
+                    SelectedUserBadge(name = user.name)
+                }
+            }
+            Spacer(Modifier.height(16.dp))
+        }
+
+        // 더치페이 제목
+        Spacer(Modifier.height(12.dp))
+
+        AmountInputCard(
+            value = amountText,
+            onValueChange = onAmountChange
+        )
+        Spacer(Modifier.height(16.dp))
+        // 내가 더 낼게요 스위치
+        TiggleSwitchRow(
+            title = "내가 더 낼게요",
+            subtitle = "자투리 금액을 티끌 저금통에 적립",
+            checked = payMore,
+            onCheckedChange = onPayMoreChange
+        )
+        Spacer(Modifier.height(16.dp))
+        TiggleTextField(
+            value = title,
+            onValueChange = onTitleChange,
+            label = "더치페이 제목",
+            placeholder = "예: 어제 먹은 치킨 정산"
+        )
+
+
+
+        Spacer(Modifier.height(16.dp))
+
+        // 전달 메시지
+        TiggleTextField(
+            value = message,
+            onValueChange = onMessageChange,
+            label = "전달 메시지",
+            placeholder = "친구들에게 전달할 메시지를 입력해주세요\n(예: 오늘 치킨 먹은 금액입니다!)",
+
+            maxLines = 3,
+            minLines = 3
+        )
+
+        // 결제 요약 (입력값과 선택 인원 있을 때만 표시)
+        val total = amountText.toLongOrNull() ?: 0L
+        val participantCount = if (selectedCount > 0) selectedCount + 1 else 0
+        if (total > 0 && participantCount > 0) {
+            Spacer(Modifier.height(16.dp))
+            DutchPaySummary(
+                totalAmount = total,
+                participantCount = participantCount,
+                payMore = payMore
+            )
+        }
+    }
+}
+
+@Composable
+private fun SelectedUserBadge(name: String) {
+    Row(
+        modifier = Modifier
+            .padding(end = 8.dp, bottom = 8.dp)
+            .clip(RoundedCornerShape(16.dp))
+            .background(TiggleGrayLight)
+            .padding(horizontal = 10.dp, vertical = 6.dp),
+        verticalAlignment = Alignment.CenterVertically
+    ) {
+        Text(text = name, style = AppTypography.bodySmall)
+    }
+}
+
+@Composable
+private fun DutchPaySummary(totalAmount: Long, participantCount: Int, payMore: Boolean) {
+    // 1인당 금액 계산
+    val perHead = if (participantCount > 0) totalAmount.toDouble() / participantCount else 0.0
+    val myAmount = if (payMore) roundUpToHundreds(perHead) else perHead.toLong()
+
+    Card(
+        modifier = Modifier.fillMaxSize(),
+        colors = CardDefaults.cardColors(containerColor = Color.White),
+        elevation = CardDefaults.cardElevation(defaultElevation = 0.dp),
+        shape = RoundedCornerShape(12.dp)
+    ) {
+        Column(
+            modifier = Modifier.padding(20.dp),
+            horizontalAlignment = Alignment.CenterHorizontally
+        ) {
+            Text("결제 요약", style = AppTypography.bodyLarge)
+            Spacer(Modifier.height(12.dp))
+            SummaryRow(label = "총 금액", value = Formatter.formatCurrency(totalAmount))
+
+            Spacer(Modifier.height(8.dp))
+            HorizontalDivider(Modifier, DividerDefaults.Thickness, DividerDefaults.color)
+            Spacer(Modifier.height(8.dp))
+
+            SummaryRow(label = "참여 인원", value = "${participantCount}명(나 포함)")
+
+            Spacer(Modifier.height(8.dp))
+            HorizontalDivider(Modifier, DividerDefaults.Thickness, DividerDefaults.color)
+            Spacer(Modifier.height(8.dp))
+            SummaryRow(label = "1인당 금액", value = Formatter.formatCurrency(perHead.toLong()))
+            Spacer(Modifier.height(8.dp))
+            HorizontalDivider(Modifier, DividerDefaults.Thickness, DividerDefaults.color)
+            Spacer(Modifier.height(8.dp))
+            SummaryRow(label = "내 결제 금액", value = Formatter.formatCurrency(myAmount))
+            Spacer(Modifier.height(8.dp))
+        }
+    }
+}
+
+@Composable
+private fun SummaryRow(label: String, value: String) {
+    Row(
+        modifier = Modifier.fillMaxWidth(),
+        horizontalArrangement = Arrangement.SpaceBetween
+    ) {
+        Text(text = label, style = AppTypography.bodySmall)
+        Text(text = value, style = AppTypography.bodySmall)
+    }
+}
+
+private fun roundUpToHundreds(value: Double): Long {
+    // 100원 단위 올림
+    val asLong = ceil(value / 100.0) * 100.0
+    return asLong.toLong()
+}
+
+// Formatter를 사용하므로 로컬 함수는 제거
+
+@Composable
+fun DutchPayCompleteContent(
+    totalAmount: Long = 50000L,
+    selectedUsers: List<UserSummary> = emptyList(),
+    payMore: Boolean = false
+) {
+    Column(
+        modifier = Modifier
+            .fillMaxSize()
+            .verticalScroll(rememberScrollState())
+            .padding(16.dp),
+        horizontalAlignment = Alignment.CenterHorizontally
+    ) {
+        Spacer(Modifier.height(40.dp))
+
+        // 아이콘
+        Box(
+            modifier = Modifier
+                .size(150.dp),
+            contentAlignment = Alignment.Center
+        ) {
+            Image(
+                painter = painterResource(id = R.drawable.wallet),
+                contentDescription = "Wallet",
+                modifier = Modifier.fillMaxSize()
+            )
+        }
+
+        Spacer(Modifier.height(24.dp))
+
+        // 제목
+        Text(
+            text = "더치페이 요청 완료",
+            style = AppTypography.headlineMedium.copy(
+                fontWeight = FontWeight.Bold
+            ),
+            textAlign = TextAlign.Center
+        )
+
+        Spacer(Modifier.height(8.dp))
+
+        // 설명
+        Text(
+            text = "친구들에게 더치페이 요청을 보냈습니다.",
+            style = AppTypography.bodyMedium,
+            color = Color.Gray,
+            textAlign = TextAlign.Center
+        )
+
+        Spacer(Modifier.height(32.dp))
+
+        // 요약 정보 카드
+        Card(
+            modifier = Modifier.fillMaxWidth(),
+            colors = CardDefaults.cardColors(containerColor = Color.White),
+            elevation = CardDefaults.cardElevation(defaultElevation = 2.dp),
+            shape = RoundedCornerShape(12.dp)
+        ) {
+            Column(
+                modifier = Modifier.padding(20.dp)
+            ) {
+                Text(
+                    text = "요청 금액",
+                    style = AppTypography.bodyMedium,
+                    color = Color.Gray
+                )
+
+                Spacer(Modifier.height(8.dp))
+
+                Text(
+                    text = Formatter.formatCurrency(totalAmount),
+                    style = AppTypography.headlineLarge.copy(
+                        fontSize = 28.sp,
+                        fontWeight = FontWeight.Bold
+                    )
+                )
+
+                Spacer(Modifier.height(16.dp))
+
+                HorizontalDivider(color = Color.Gray.copy(alpha = 0.2f))
+
+                Spacer(Modifier.height(16.dp))
+
+                // 참여자 정보
+                val participantCount = selectedUsers.size + 1 // 나 포함
+                val perHead =
+                    if (participantCount > 0) totalAmount.toDouble() / participantCount else 0.0
+                val myAmount = if (payMore) roundUpToHundreds(perHead) else perHead.toLong()
+                val friendAmount = perHead.toLong()
+
+                DetailRow(
+                    label = "참여자 (${participantCount}명)",
+                    value = Formatter.formatCurrency(myAmount)
+                )
+
+                if (selectedUsers.isNotEmpty()) {
+                    selectedUsers.forEach { user ->
+                        Spacer(Modifier.height(12.dp))
+                        DetailRow(
+                            label = user.name,
+                            value = Formatter.formatCurrency(friendAmount)
+                        )
+                    }
+                }
+            }
+        }
+
+        Spacer(Modifier.height(24.dp))
+
+        // 안내 카드
+        Card(
+            modifier = Modifier.fillMaxWidth(),
+            colors = CardDefaults.cardColors(containerColor = TiggleBlue.copy(alpha = 0.1f)),
+            elevation = CardDefaults.cardElevation(defaultElevation = 0.dp),
+            shape = RoundedCornerShape(12.dp)
+        ) {
+            Column(
+                modifier = Modifier.padding(16.dp)
+            ) {
+                Row(
+                    verticalAlignment = Alignment.Top
+                ) {
+                    Text(
+                        text = "💰",
+                        style = AppTypography.bodyMedium,
+                        modifier = Modifier.padding(end = 8.dp)
+                    )
+                    Text(
+                        text = "다음 단계",
+                        style = AppTypography.bodyMedium.copy(
+                            fontWeight = FontWeight.Bold,
+                            color = TiggleBlue
+                        )
+                    )
+                }
+
+                Spacer(Modifier.height(8.dp))
+
+                InfoStep(text = "친구들이 더치페이 요청을 확인합니다.")
+                InfoStep(text = "각자 승인 후 결제를 진행합니다.")
+                InfoStep(text = "모든 승인이 완료되면 정산이 진행됩니다.")
+            }
+        }
+
+        Spacer(Modifier.height(40.dp))
+    }
+}
+
+@Composable
+private fun DetailRow(label: String, value: String) {
+    Row(
+        modifier = Modifier.fillMaxWidth(),
+        horizontalArrangement = Arrangement.SpaceBetween,
+        verticalAlignment = Alignment.CenterVertically
+    ) {
+        Text(
+            text = label,
+            style = AppTypography.bodyMedium,
+            color = Color.Gray
+        )
+        Text(
+            text = value,
+            style = AppTypography.bodyMedium.copy(
+                fontWeight = FontWeight.Medium
+            )
+        )
+    }
+}
+
+@Composable
+private fun InfoStep(text: String) {
+    Row(
+        modifier = Modifier.padding(vertical = 2.dp),
+        verticalAlignment = Alignment.Top
+    ) {
+        Text(
+            text = "📋",
+            style = AppTypography.bodySmall,
+            modifier = Modifier.padding(end = 8.dp, top = 2.dp)
+        )
+        Text(
+            text = text,
+            style = AppTypography.bodySmall,
+            color = Color.Gray
+        )
+    }
+}
+
+@Preview(showBackground = true)
+@Composable
+private fun PreviewDutchPay_PickUsers() {
+    val sampleUsers = listOf(
+        UserSummary(4, "김테스트"),
+        UserSummary(5, "박테스트"),
+        UserSummary(6, "이테스트")
+    )
+    val uiState = CreateDutchPayState(
+        step = CreateDutchPayStep.PICK_USERS,
+        users = sampleUsers,
+        selectedUserIds = setOf(4, 6)
+    )
+
+    TiggleScreenLayout(
+        title = "유저 선택",
+        onBackClick = {},
+        bottomButton = {
+            TiggleButton(
+                text = "다음",
+                onClick = {},
+                enabled = uiState.selectedUserIds.isNotEmpty(),
+                isLoading = false,
+                variant = TiggleButtonVariant.Primary
+            )
+        }
+    ) {
+        DutchPayPickUsersContent(
+            users = uiState.users,
+            selectedUserIds = uiState.selectedUserIds,
+            onToggleUser = {}
+        )
+    }
+}
+
+@Preview(showBackground = true)
+@Composable
+private fun PreviewDutchPay_InputAmount() {
+    val uiState = CreateDutchPayState(
+        step = CreateDutchPayStep.INPUT_AMOUNT,
+        amountText = "45000"
+    )
+
+    TiggleScreenLayout(
+        title = "결제 금액 입력",
+        onBackClick = {},
+        bottomButton = {
+            TiggleButton(
+                text = "요청 보내기",
+                onClick = {},
+                enabled = uiState.amountText.isNotBlank(),
+                isLoading = false,
+                variant = TiggleButtonVariant.Primary
+            )
+        }
+    ) {
+        DutchPayInputAmountContent(
+            selectedUsers = listOf(
+                UserSummary(1, "김민호"),
+                UserSummary(2, "민경이"),
+                UserSummary(3, "홍길동")
+            ),
+            amountText = uiState.amountText,
+            onAmountChange = {},
+            selectedCount = 3,
+            payMore = true,
+            onPayMoreChange = {},
+            title = "",
+            onTitleChange = {},
+            message = "",
+            onMessageChange = {}
+        )
+    }
+}
+
+@Preview(showBackground = true)
+@Composable
+private fun PreviewDutchPay_Complete() {
+    TiggleScreenLayout(
+        title = "요청 전송 완료",
+        onBackClick = {},
+        bottomButton = {
+            TiggleButton(
+                text = "완료",
+                onClick = {},
+                enabled = true,
+                isLoading = false,
+                variant = TiggleButtonVariant.Primary
+            )
+        }
+    ) {
+        DutchPayCompleteContent(
+            totalAmount = 50000L,
+            selectedUsers = listOf(
+                UserSummary(1, "김민준"),
+                UserSummary(2, "박예준")
+            ),
+            payMore = true
+        )
+    }
+}
+
+@Composable
+private fun AmountInputCard(
+    value: String,
+    onValueChange: (String) -> Unit
+) {
+    Column(
+        horizontalAlignment = Alignment.CenterHorizontally
+    ) {
+        Card(
+            modifier = Modifier.fillMaxWidth(),
+            colors = CardDefaults.cardColors(containerColor = Color.White),
+            elevation = CardDefaults.cardElevation(defaultElevation = 2.dp),
+            shape = RoundedCornerShape(12.dp)
+        ) {
+            Column(
+                modifier = Modifier
+                    .fillMaxWidth()
+                    .padding(24.dp),
+                horizontalAlignment = Alignment.CenterHorizontally
+            ) {
+                Text(
+                    text = "총 결제 금액",
+                    style = AppTypography.bodyMedium,
+                    color = Color.Gray
+                )
+
+                Spacer(Modifier.height(8.dp))
+
+                Box(
+                    modifier = Modifier.fillMaxWidth(),
+                    contentAlignment = Alignment.Center
+                ) {
+                    if (value.isEmpty()) {
+                        Text(
+                            text = "50,000",
+                            style = AppTypography.headlineLarge.copy(
+                                fontSize = 32.sp,
+                                fontWeight = FontWeight.Bold
+                            ),
+                            color = Color.Gray.copy(alpha = 0.4f)
+                        )
+                    }
+
+                    BasicTextField(
+                        value = if (value.isNotEmpty()) Formatter.formatCurrency(
+                            value.toLongOrNull() ?: 0L
+                        ) else "",
+                        onValueChange = { text ->
+                            val digitsOnly = text.filter { it.isDigit() }
+                            onValueChange(digitsOnly)
+                        },
+                        textStyle = AppTypography.headlineLarge.copy(
+                            fontSize = 32.sp,
+                            fontWeight = FontWeight.Bold,
+                            textAlign = TextAlign.Center
+                        ),
+                        keyboardOptions = KeyboardOptions(keyboardType = KeyboardType.Number),
+                        modifier = Modifier.fillMaxWidth()
+                    )
+                }
+
+
+            }
+
+        }
+
+        Spacer(Modifier.height(4.dp))
+
+        Text(
+            text = "숫자만 입력하세요 (쉼표 자동 추가)",
+            style = AppTypography.bodySmall,
+            color = Color.Gray
+        )
+    }
+
+}
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayStep.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayStep.kt
new file mode 100644
index 0000000..f124c24
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayStep.kt
@@ -0,0 +1,9 @@
+package com.ssafy.tiggle.presentation.ui.dutchpay
+
+enum class CreateDutchPayStep {
+    PICK_USERS,
+    INPUT_AMOUNT,
+    COMPLETE
+}
+
+
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayUiState.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayUiState.kt
new file mode 100644
index 0000000..9d6d52c
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayUiState.kt
@@ -0,0 +1,15 @@
+package com.ssafy.tiggle.presentation.ui.dutchpay
+
+import com.ssafy.tiggle.domain.entity.dutchpay.UserSummary
+
+data class CreateDutchPayState(
+    val step: CreateDutchPayStep = CreateDutchPayStep.PICK_USERS,
+    val users: List<UserSummary> = emptyList(),
+    val selectedUserIds: Set<Long> = emptySet(),
+    val amountText: String = "",
+    val payMore: Boolean = false,
+    val title: String = "",
+    val message: String = "",
+    val isLoading: Boolean = false,
+    val errorMessage: String? = null
+)
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayViewModel.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayViewModel.kt
new file mode 100644
index 0000000..92d4f15
--- /dev/null
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/dutchpay/CreateDutchPayViewModel.kt
@@ -0,0 +1,146 @@
+package com.ssafy.tiggle.presentation.ui.dutchpay
+
+import androidx.lifecycle.ViewModel
+import androidx.lifecycle.viewModelScope
+import com.ssafy.tiggle.domain.entity.dutchpay.DutchPayRequest
+import com.ssafy.tiggle.domain.usecase.dutchpay.GetAllUsersUseCase
+import com.ssafy.tiggle.domain.usecase.dutchpay.CreateDutchPayRequestUseCase
+import dagger.hilt.android.lifecycle.HiltViewModel
+import kotlinx.coroutines.flow.MutableStateFlow
+import kotlinx.coroutines.flow.StateFlow
+import kotlinx.coroutines.flow.asStateFlow
+import kotlinx.coroutines.flow.update
+import kotlinx.coroutines.launch
+import javax.inject.Inject
+
+
+@HiltViewModel
+class CreateDutchPayViewModel @Inject constructor(
+    private val getAllUsersUseCase: GetAllUsersUseCase,
+    private val createDutchPayRequestUseCase: CreateDutchPayRequestUseCase
+) : ViewModel() {
+
+    private val _uiState = MutableStateFlow(CreateDutchPayState())
+    val uiState: StateFlow<CreateDutchPayState> = _uiState.asStateFlow()
+
+    fun loadUsers() {
+        _uiState.update { it.copy(isLoading = true, errorMessage = null) }
+        viewModelScope.launch {
+            getAllUsersUseCase()
+                .onSuccess { list ->
+                    _uiState.update { it.copy(users = list, isLoading = false) }
+                }
+                .onFailure { e ->
+                    _uiState.update { it.copy(isLoading = false, errorMessage = e.message) }
+                }
+        }
+    }
+
+    fun toggleUser(userId: Long) {
+        _uiState.update { current ->
+            val next = current.selectedUserIds.toMutableSet().apply {
+                if (contains(userId)) remove(userId) else add(userId)
+            }
+            current.copy(selectedUserIds = next)
+        }
+    }
+
+    fun updateAmount(text: String) {
+        _uiState.update { it.copy(amountText = text.filter { ch -> ch.isDigit() }) }
+    }
+
+    fun setPayMore(value: Boolean) {
+        _uiState.update { it.copy(payMore = value) }
+    }
+
+    fun updateTitle(text: String) {
+        _uiState.update { it.copy(title = text) }
+    }
+
+    fun updateMessage(text: String) {
+        _uiState.update { it.copy(message = text) }
+    }
+
+    fun goNext() {
+        _uiState.update { current ->
+            when (current.step) {
+                CreateDutchPayStep.PICK_USERS -> {
+                    current.copy(step = CreateDutchPayStep.INPUT_AMOUNT)
+                }
+
+                CreateDutchPayStep.INPUT_AMOUNT -> {
+                    // 더치페이 요청 API 호출
+                    createDutchPayRequest()
+                    current
+                }
+
+                CreateDutchPayStep.COMPLETE -> current
+            }
+        }
+    }
+
+    private fun createDutchPayRequest() {
+        val currentState = _uiState.value
+
+        // 입력값 검증
+        if (currentState.selectedUserIds.isEmpty() ||
+            currentState.amountText.isBlank() ||
+            currentState.title.isBlank()
+        ) {
+            _uiState.update { it.copy(errorMessage = "필수 입력값을 확인해주세요.") }
+            return
+        }
+
+        val totalAmount = currentState.amountText.toLongOrNull()
+        if (totalAmount == null || totalAmount <= 0) {
+            _uiState.update { it.copy(errorMessage = "올바른 금액을 입력해주세요.") }
+            return
+        }
+
+        _uiState.update { it.copy(isLoading = true, errorMessage = null) }
+
+        viewModelScope.launch {
+            val request = DutchPayRequest(
+                userIds = currentState.selectedUserIds.toList(),
+                totalAmount = totalAmount,
+                title = currentState.title,
+                message = currentState.message,
+                payMore = currentState.payMore
+            )
+
+            createDutchPayRequestUseCase(request)
+                .onSuccess {
+                    _uiState.update {
+                        it.copy(
+                            isLoading = false,
+                            step = CreateDutchPayStep.COMPLETE,
+                            errorMessage = null
+                        )
+                    }
+                }
+                .onFailure { exception ->
+                    _uiState.update {
+                        it.copy(
+                            isLoading = false,
+                            errorMessage = exception.message ?: "더치페이 요청에 실패했습니다."
+                        )
+                    }
+                }
+        }
+    }
+
+    fun goPrev() {
+        _uiState.update { current ->
+            val prev = when (current.step) {
+                CreateDutchPayStep.PICK_USERS -> CreateDutchPayStep.PICK_USERS
+                CreateDutchPayStep.INPUT_AMOUNT -> CreateDutchPayStep.PICK_USERS
+                CreateDutchPayStep.COMPLETE -> CreateDutchPayStep.INPUT_AMOUNT
+            }
+            current.copy(step = prev)
+        }
+    }
+
+    fun clearErrorMessage() {
+        _uiState.update { it.copy(errorMessage = null) }
+    }
+}
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/OpenAccountScreen.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/OpenAccountScreen.kt
index 7cc93d5..285e3b4 100644
--- a/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/OpenAccountScreen.kt
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/OpenAccountScreen.kt
@@ -40,6 +40,7 @@ import androidx.compose.ui.unit.dp
 import androidx.compose.ui.unit.sp
 import androidx.lifecycle.viewmodel.compose.viewModel
 import com.ssafy.tiggle.R
+import com.ssafy.tiggle.core.utils.Formatter
 import com.ssafy.tiggle.domain.entity.piggybank.OpenAccount
 import com.ssafy.tiggle.presentation.ui.components.TiggleAllAgreeCheckboxItem
 import com.ssafy.tiggle.presentation.ui.components.TiggleButton
@@ -310,7 +311,7 @@ private fun AmountOptionChip(
         contentPadding = PaddingValues(vertical = 10.dp)
     ) {
         Text(
-            text = "%,d원".format(amount),
+            text = Formatter.formatCurrency(amount.toLong()),
             style = AppTypography.bodyMedium,
             textAlign = TextAlign.Center,
             modifier = Modifier.fillMaxWidth(),
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/PiggyBankScreen.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/PiggyBankScreen.kt
index 0dd2014..f3ab88c 100644
--- a/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/PiggyBankScreen.kt
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/PiggyBankScreen.kt
@@ -23,8 +23,6 @@ import androidx.compose.material3.Button
 import androidx.compose.material3.ButtonDefaults
 import androidx.compose.material3.HorizontalDivider
 import androidx.compose.material3.OutlinedButton
-import androidx.compose.material3.Switch
-import androidx.compose.material3.SwitchDefaults
 import androidx.compose.material3.Text
 import androidx.compose.runtime.Composable
 import androidx.compose.runtime.collectAsState
@@ -46,7 +44,9 @@ import androidx.compose.ui.unit.dp
 import androidx.compose.ui.unit.sp
 import androidx.lifecycle.viewmodel.compose.viewModel
 import com.ssafy.tiggle.R
+import com.ssafy.tiggle.core.utils.Formatter
 import com.ssafy.tiggle.presentation.ui.components.TiggleScreenLayout
+import com.ssafy.tiggle.presentation.ui.components.TiggleSwitchRow
 import com.ssafy.tiggle.presentation.ui.theme.AppTypography
 import com.ssafy.tiggle.presentation.ui.theme.TiggleBlue
 import com.ssafy.tiggle.presentation.ui.theme.TiggleGray
@@ -58,6 +58,7 @@ fun PiggyBankScreen(
     modifier: Modifier = Modifier,
     onOpenAccountClick: () -> Unit = {},
     onRegisterAccountClick: () -> Unit = {},
+    onStartDutchPayClick: () -> Unit = {},
     onBackClick: () -> Unit = {},
     viewModel: PiggyBankViewModel = viewModel()
 ) {
@@ -122,13 +123,13 @@ fun PiggyBankScreen(
             if (uiState.hasPiggyBank) {
                 DutchButtonsRow(
                     onStatus = {},
-                    onStart = {}
+                    onStart = onStartDutchPayClick
                 )
             }
             Spacer(Modifier.height(18.dp))
 
             // 스위치 섹션
-            SettingSwitchRow(
+            TiggleSwitchRow(
                 title = "잔돈 자동 기부",
                 subtitle = "매일 잔정에 1,000원 미만 잔돈을 자동으로 기부합니다",
                 checked = uiState.changeLeftoverDonate,
@@ -142,7 +143,7 @@ fun PiggyBankScreen(
             )
 
             // 스위치 섹션 2
-            SettingSwitchRow(
+            TiggleSwitchRow(
                 title = "목표 달성 자동 기부",
                 subtitle = "더치페이 할 때 남는 자투리 금액을 기부할 수 있습니다",
                 checked = uiState.achieveGoalDonate,
@@ -202,42 +203,7 @@ private fun DottedActionCard(
     }
 }
 
-@Composable
-private fun SettingSwitchRow(
-    title: String,
-    subtitle: String,
-    checked: Boolean,
-    onCheckedChange: (Boolean) -> Unit
-) {
-    Row(
-        modifier = Modifier
-            .fillMaxWidth()
-            .padding(horizontal = 10.dp, vertical = 19.dp),
-        verticalAlignment = Alignment.CenterVertically
-    ) {
-        Column(modifier = Modifier.weight(1f)) {
-            Text(title, color = Color.Black, fontSize = 15.sp, style = AppTypography.bodyLarge)
-            Spacer(Modifier.height(4.dp))
-            Text(
-                subtitle,
-                color = TiggleGrayText,
-                fontSize = 10.sp,
-                style = AppTypography.bodySmall
-            )
-        }
-        Switch(
-            checked = checked,
-            onCheckedChange = onCheckedChange,
-            colors = SwitchDefaults.colors(
-                checkedThumbColor = Color.White,
-                checkedTrackColor = TiggleBlue,
-                uncheckedThumbColor = Color.White,
-                uncheckedTrackColor = TiggleGray
-            ),
-            modifier = Modifier.size(10.dp, 5.dp)
-        )
-    }
-}
+// moved: replaced by TiggleSwitchRow in components
 
 /** 점선 둥근 사각 보더 */
 private fun Modifier.drawDottedRoundRect(cornerRadius: Dp) = this.then(
@@ -308,7 +274,7 @@ private fun TodaySavingBanner(amount: Int, lastWeek: Int, rounded: Int) {
                 )
                 Spacer(Modifier.height(6.dp))
                 Text(
-                    "지난주 잔액 ${lastWeek.toMoney()} → ${rounded.toMoney()}원",
+                    "지난주 잔액 ${Formatter.formatCurrency(lastWeek.toLong())} → ${Formatter.formatCurrency(rounded.toLong())}",
                     color = Color(0xE6FFFFFF),
                     style = AppTypography.bodySmall
                 )
@@ -372,7 +338,7 @@ private fun AccountCard(bank: String, name: String, number: String, balance: Int
         Row(Modifier.fillMaxWidth(), horizontalArrangement = Arrangement.SpaceBetween) {
             Text("잔액", color = TiggleGrayText, style = AppTypography.bodySmall)
             Text(
-                "${balance.toMoney()}원",
+                Formatter.formatCurrency(balance.toLong()),
                 color = Color.Black,
                 fontSize = 22.sp,
                 fontWeight = FontWeight.SemiBold
@@ -410,7 +376,6 @@ private fun DutchButtonsRow(onStatus: () -> Unit, onStart: () -> Unit) {
     }
 }
 
-private fun Int.toMoney(): String = "%,d".format(this)
 
 @Preview
 @Composable
diff --git a/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/PiggyBankViewModel.kt b/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/PiggyBankViewModel.kt
index d625fa5..5c9e393 100644
--- a/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/PiggyBankViewModel.kt
+++ b/app/src/main/java/com/ssafy/tiggle/presentation/ui/piggybank/PiggyBankViewModel.kt
@@ -9,8 +9,8 @@ import kotlinx.coroutines.flow.update
 class PiggyBankViewModel : ViewModel() {
     private val _uiState = MutableStateFlow(
         PiggyBankState(
-            hasPiggyBank = false,
-            hasLinkedAccount = false,
+            hasPiggyBank = true,
+            hasLinkedAccount = true,
             todaySaving = 847,
             lastWeekRemainder = 15847,
             lastWeekRounded = 15000,
diff --git a/app/src/main/res/drawable/wallet.webp b/app/src/main/res/drawable/wallet.webp
new file mode 100644
index 0000000..acfc227
Binary files /dev/null and b/app/src/main/res/drawable/wallet.webp differ
diff --git a/gradle/libs.versions.toml b/gradle/libs.versions.toml
index e799352..ce489a3 100644
--- a/gradle/libs.versions.toml
+++ b/gradle/libs.versions.toml
@@ -58,7 +58,7 @@ retrofit = { group = "com.squareup.retrofit2", name = "retrofit", version.ref =
 retrofit-gson-converter = { group = "com.squareup.retrofit2", name = "converter-gson", version.ref = "retrofitGsonConverter" }
 okhttp = { group = "com.squareup.okhttp3", name = "okhttp", version.ref = "okhttp" }
 okhttp-logging-interceptor = { group = "com.squareup.okhttp3", name = "logging-interceptor", version.ref = "okhttp" }
-
+okhttp-urlconnection = { group = "com.squareup.okhttp3", name = "okhttp-urlconnection", version.ref = "okhttp" }
 # Coroutines
 kotlinx-coroutines-android = { group = "org.jetbrains.kotlinx", name = "kotlinx-coroutines-android", version.ref = "coroutines" }
 androidx-foundation = { group = "androidx.compose.foundation", name = "foundation", version.ref = "foundation" }