diff --git a/src/HikvisionAttendanceManager.App/App.xaml.cs b/src/HikvisionAttendanceManager.App/App.xaml.cs
index acf2f4a..c28657e 100644
--- a/src/HikvisionAttendanceManager.App/App.xaml.cs
+++ b/src/HikvisionAttendanceManager.App/App.xaml.cs
@@ -10,6 +10,7 @@ public partial class App : Application
         AppLogger.Initialize();
         AppLogger.Info("[STARTUP] Application starting");
         AppLogger.Info("[STARTUP] Configuration loaded");
+        HikvisionCredentialsFactory.LogDevelopmentCredentialStatus();
         DispatcherUnhandledException += (_, args) => AppLogger.Error("Unhandled UI exception.", args.Exception);
     }
 }
diff --git a/src/HikvisionAttendanceManager.App/Services/HikvisionCredentialsFactory.cs b/src/HikvisionAttendanceManager.App/Services/HikvisionCredentialsFactory.cs
new file mode 100644
index 0000000..98c65cd
--- /dev/null
+++ b/src/HikvisionAttendanceManager.App/Services/HikvisionCredentialsFactory.cs
@@ -0,0 +1,78 @@
+using HikvisionAttendanceManager.App.Models;
+using Microsoft.Extensions.Configuration;
+
+namespace HikvisionAttendanceManager.App.Services;
+
+/// <summary>Resolves Hikvision ISAPI credentials: per-device, environment variables, then Development settings.</summary>
+public static class HikvisionCredentialsFactory
+{
+    public const string DefaultUsernameVariable = "HIKVISION_MANAGER_DEFAULT_USERNAME";
+    public const string DefaultPasswordVariable = "HIKVISION_MANAGER_DEFAULT_PASSWORD";
+
+    public static bool TryGetForDevice(Device device, out string username, out string password, out string error)
+    {
+        username = device.Username?.Trim() ?? "";
+        if (string.IsNullOrWhiteSpace(username))
+            username = Environment.GetEnvironmentVariable(DefaultUsernameVariable)?.Trim() ?? "";
+        if (string.IsNullOrWhiteSpace(username))
+            username = GetDevelopmentSetting("Hikvision:Username") ?? "";
+
+        password = !string.IsNullOrWhiteSpace(device.ProtectedPassword)
+            ? PasswordProtector.Unprotect(device.ProtectedPassword)
+            : Environment.GetEnvironmentVariable(DefaultPasswordVariable) ?? "";
+        if (string.IsNullOrWhiteSpace(password))
+            password = GetDevelopmentSetting("Hikvision:Password") ?? "";
+
+        if (string.IsNullOrWhiteSpace(username) || string.IsNullOrWhiteSpace(password))
+        {
+            error = "Hikvision credentials are not configured for this device.";
+            return false;
+        }
+
+        error = "";
+        return true;
+    }
+
+    public static bool HasCredentials(Device device) => TryGetForDevice(device, out _, out _, out _);
+
+    public static void LogDevelopmentCredentialStatus()
+    {
+        if (!IsDevelopment())
+            return;
+
+        var username = GetDevelopmentSetting("Hikvision:Username");
+        var hasPassword = !string.IsNullOrWhiteSpace(GetDevelopmentSetting("Hikvision:Password"));
+        if (!string.IsNullOrWhiteSpace(username) && hasPassword)
+            AppLogger.Info($"Hikvision default credentials loaded for user '{username}'.");
+        else
+            AppLogger.Warning("Hikvision default credentials were not found in Development settings.");
+    }
+
+    private static string? GetDevelopmentSetting(string key)
+    {
+        if (!IsDevelopment())
+            return null;
+
+        return BuildDevelopmentConfiguration()[key]?.Trim();
+    }
+
+    private static IConfiguration BuildDevelopmentConfiguration() =>
+        new ConfigurationBuilder()
+            .SetBasePath(AppContext.BaseDirectory)
+            .AddJsonFile("appsettings.json", optional: true)
+            .AddJsonFile("appsettings.Development.json", optional: true)
+            .Build();
+
+    private static bool IsDevelopment()
+    {
+        var environment = Environment.GetEnvironmentVariable("DOTNET_ENVIRONMENT")?.Trim();
+        if (!string.IsNullOrWhiteSpace(environment))
+            return string.Equals(environment, "Development", StringComparison.OrdinalIgnoreCase);
+
+#if DEBUG
+        return true;
+#else
+        return false;
+#endif
+    }
+}
diff --git a/src/HikvisionAttendanceManager.App/appsettings.Development.example.json b/src/HikvisionAttendanceManager.App/appsettings.Development.example.json
index 36c2a72..680f37c 100644
--- a/src/HikvisionAttendanceManager.App/appsettings.Development.example.json
+++ b/src/HikvisionAttendanceManager.App/appsettings.Development.example.json
@@ -1,5 +1,9 @@
 {
   "ConnectionStrings": {
     "Hrms": "Server=YOUR_SERVER;Port=3306;Database=hrms;User ID=YOUR_USER;Password=YOUR_PASSWORD;"
+  },
+  "Hikvision": {
+    "Username": "admin",
+    "Password": "Utopia01"
   }
 }