diff --git a/app/(app)/layout.tsx b/app/(app)/layout.tsx
index 8f55e55..6fe0197 100644
--- a/app/(app)/layout.tsx
+++ b/app/(app)/layout.tsx
@@ -16,7 +16,7 @@ export default async function AppLayout({ children }: { children: React.ReactNod
   const [user, userRoles, accessibleProducts] = await Promise.all([
     prisma.user.findUnique({
       where: { id: session.userId },
-      select: { username: true, email: true, active_product_id: true },
+      select: { username: true, email: true, active_product_id: true, min_quota_pct: true },
     }),
     prisma.userRole.findMany({
       where: { user_id: session.userId },
@@ -72,6 +72,7 @@ export default async function AppLayout({ children }: { children: React.ReactNod
         activeProduct={activeProduct}
         products={accessibleProducts}
         hasActiveSprint={hasActiveSprint}
+        minQuotaPct={user.min_quota_pct}
       />
       <MinWidthBanner />
       <main id="main-content" className="flex-1 flex flex-col overflow-y-auto min-h-0">
diff --git a/app/api/realtime/solo/route.ts b/app/api/realtime/solo/route.ts
index e514797..dbf820b 100644
--- a/app/api/realtime/solo/route.ts
+++ b/app/api/realtime/solo/route.ts
@@ -64,7 +64,17 @@ type WorkerPayload = {
   product_id?: string
 }
 
-type NotifyPayload = EntityPayload | JobPayload | WorkerPayload
+// M13: per-iteration quota-rapport van de worker. Geen product-scope —
+// elke heartbeat geldt voor alle producten waar deze user toegang toe heeft.
+type WorkerHeartbeatPayload = {
+  type: 'worker_heartbeat'
+  user_id: string
+  token_id: string
+  last_quota_pct: number
+  last_quota_check_at: string
+}
+
+type NotifyPayload = EntityPayload | JobPayload | WorkerPayload | WorkerHeartbeatPayload
 
 function isJobPayload(p: NotifyPayload): p is JobPayload {
   return 'type' in p && (p.type === 'claude_job_enqueued' || p.type === 'claude_job_status')
@@ -74,6 +84,10 @@ function isWorkerPayload(p: NotifyPayload): p is WorkerPayload {
   return 'type' in p && (p.type === 'worker_connected' || p.type === 'worker_disconnected')
 }
 
+function isWorkerHeartbeatPayload(p: NotifyPayload): p is WorkerHeartbeatPayload {
+  return 'type' in p && p.type === 'worker_heartbeat'
+}
+
 function shouldEmit(
   payload: NotifyPayload,
   productId: string,
@@ -90,6 +104,10 @@ function shouldEmit(
     return payload.user_id === userId
   }
 
+  if (isWorkerHeartbeatPayload(payload)) {
+    return payload.user_id === userId
+  }
+
   // M11 (ST-1104): question-events horen op /api/realtime/notifications, niet hier.
   if (payload.entity === 'question') return false
 
diff --git a/components/shared/nav-bar.tsx b/components/shared/nav-bar.tsx
index bd93d68..42f0e2c 100644
--- a/components/shared/nav-bar.tsx
+++ b/components/shared/nav-bar.tsx
@@ -30,6 +30,7 @@ interface NavBarProps {
   activeProduct: { id: string; name: string } | null
   products: { id: string; name: string }[]
   hasActiveSprint: boolean
+  minQuotaPct: number
 }
 
 export function NavBar({
@@ -41,6 +42,7 @@ export function NavBar({
   activeProduct,
   products,
   hasActiveSprint,
+  minQuotaPct,
 }: NavBarProps) {
   const pathname = usePathname()
   const router = useRouter()
@@ -188,7 +190,7 @@ export function NavBar({
 
       {/* Rechts: solo-status + notifications + account-menu */}
       <div className="flex items-center gap-2 flex-1 justify-end">
-        <SoloNavStatusIndicators hasActiveProduct={!!activeProduct} />
+        <SoloNavStatusIndicators hasActiveProduct={!!activeProduct} minQuotaPct={minQuotaPct} />
         <NotificationsBell currentUserId={userId} isDemo={isDemo} />
         <UserMenu userId={userId} username={username} email={email} roles={roles} />
       </div>
diff --git a/components/solo/nav-status-indicators.tsx b/components/solo/nav-status-indicators.tsx
index e370540..28f9288 100644
--- a/components/solo/nav-status-indicators.tsx
+++ b/components/solo/nav-status-indicators.tsx
@@ -40,13 +40,28 @@ function RealtimeIndicator({
   )
 }
 
-export function SoloNavStatusIndicators({ hasActiveProduct }: { hasActiveProduct: boolean }) {
+export function SoloNavStatusIndicators({
+  hasActiveProduct,
+  minQuotaPct,
+}: {
+  hasActiveProduct: boolean
+  minQuotaPct: number
+}) {
   const realtimeStatus = useSoloStore((s) => s.realtimeStatus)
   const showConnectingIndicator = useSoloStore((s) => s.showConnectingIndicator)
   const connectedWorkers = useSoloStore((s) => s.connectedWorkers)
+  const workerQuotaPct = useSoloStore((s) => s.workerQuotaPct)
 
   if (!hasActiveProduct) return null
 
+  // M13: stand-by als alle workers low quota hebben (workerQuotaPct geldt
+  // voor de laatste-rapporterende worker; bij N>1 workers is dit een
+  // benadering — server-side aggregate is een v2-verbetering).
+  const isStandby =
+    connectedWorkers > 0 &&
+    workerQuotaPct !== null &&
+    workerQuotaPct < minQuotaPct
+
   return (
     <div className="flex items-center gap-3 px-2">
       <RealtimeIndicator
@@ -56,9 +71,28 @@ export function SoloNavStatusIndicators({ hasActiveProduct }: { hasActiveProduct
       <div className="flex items-center gap-1 text-xs text-muted-foreground">
         <span className={cn(
           'size-2 rounded-full',
-          connectedWorkers > 0 ? 'bg-status-done' : 'bg-muted-foreground/40'
+          isStandby
+            ? 'bg-warning'
+            : connectedWorkers > 0
+              ? 'bg-status-done'
+              : 'bg-muted-foreground/40'
         )} />
-        {connectedWorkers > 0 ? 'Agent verbonden' : 'Geen agent'}
+        {isStandby ? (
+          <TooltipProvider>
+            <Tooltip>
+              <TooltipTrigger
+                render={<span>Stand-by ({workerQuotaPct}%)</span>}
+              />
+              <TooltipContent>
+                Worker wacht tot Anthropic-quota stijgt boven {minQuotaPct}%
+              </TooltipContent>
+            </Tooltip>
+          </TooltipProvider>
+        ) : connectedWorkers > 0 ? (
+          'Agent verbonden'
+        ) : (
+          'Geen agent'
+        )}
       </div>
     </div>
   )
diff --git a/lib/realtime/use-solo-realtime.ts b/lib/realtime/use-solo-realtime.ts
index 928dd80..cf93361 100644
--- a/lib/realtime/use-solo-realtime.ts
+++ b/lib/realtime/use-solo-realtime.ts
@@ -40,6 +40,7 @@ export function useSoloRealtime(productId: string | null) {
     const setWorkers = useSoloStore.getState().setWorkers
     const incrementWorkers = useSoloStore.getState().incrementWorkers
     const decrementWorkers = useSoloStore.getState().decrementWorkers
+    const setWorkerQuota = useSoloStore.getState().setWorkerQuota
 
     if (!productId) {
       // Geen actief product (gebruiker zit niet op /solo) — stream uit
@@ -119,6 +120,15 @@ export function useSoloRealtime(productId: string | null) {
             }
             if (raw.type === 'worker_connected') { incrementWorkers(); return }
             if (raw.type === 'worker_disconnected') { decrementWorkers(); return }
+            if (raw.type === 'worker_heartbeat') {
+              const hb = raw as {
+                type: 'worker_heartbeat'
+                last_quota_pct: number
+                last_quota_check_at: string
+              }
+              setWorkerQuota(hb.last_quota_pct, hb.last_quota_check_at)
+              return
+            }
             return
           }
           const payload = raw as RealtimeEvent
diff --git a/stores/solo-store.ts b/stores/solo-store.ts
index 592976e..5fa6e7c 100644
--- a/stores/solo-store.ts
+++ b/stores/solo-store.ts
@@ -64,6 +64,11 @@ interface SoloStore {
   claudeJobsByTaskId: Record<string, JobState>
   connectedWorkers: number
 
+  // M13: laatste quota-rapport van een actieve worker. null = geen
+  // worker actief of nog geen heartbeat met quota ontvangen.
+  workerQuotaPct: number | null
+  workerQuotaCheckAt: string | null
+
   initTasks: (tasks: SoloTask[]) => void
   optimisticMove: (taskId: string, toStatus: TaskStatus) => TaskStatus | null
   rollback: (taskId: string, prevStatus: TaskStatus) => void
@@ -82,6 +87,7 @@ interface SoloStore {
   setWorkers: (count: number) => void
   incrementWorkers: () => void
   decrementWorkers: () => void
+  setWorkerQuota: (pct: number, checkAt: string) => void
 
   handleRealtimeEvent: (event: RealtimeEvent) => void
 }
@@ -93,6 +99,8 @@ export const useSoloStore = create<SoloStore>((set, get) => ({
   showConnectingIndicator: false,
   claudeJobsByTaskId: {},
   connectedWorkers: 0,
+  workerQuotaPct: null,
+  workerQuotaCheckAt: null,
 
   initTasks: (tasks) =>
     set({ tasks: Object.fromEntries(tasks.map(t => [t.id, t])) }),
@@ -145,7 +153,15 @@ export const useSoloStore = create<SoloStore>((set, get) => ({
 
   setWorkers: (count) => set({ connectedWorkers: Math.max(0, count) }),
   incrementWorkers: () => set(s => ({ connectedWorkers: s.connectedWorkers + 1 })),
-  decrementWorkers: () => set(s => ({ connectedWorkers: Math.max(0, s.connectedWorkers - 1) })),
+  decrementWorkers: () =>
+    set((s) => ({
+      connectedWorkers: Math.max(0, s.connectedWorkers - 1),
+      // Reset quota-state als alle workers weg zijn — pct van een vertrokken
+      // worker is niet meer actueel.
+      workerQuotaPct: s.connectedWorkers - 1 <= 0 ? null : s.workerQuotaPct,
+      workerQuotaCheckAt: s.connectedWorkers - 1 <= 0 ? null : s.workerQuotaCheckAt,
+    })),
+  setWorkerQuota: (pct, checkAt) => set({ workerQuotaPct: pct, workerQuotaCheckAt: checkAt }),
 
   handleJobEvent: (event) => {
     const { job_id, task_id } = event