diff --git a/export/progress.md b/export/progress.md
index f22dacb..8fd9947 100644
--- a/export/progress.md
+++ b/export/progress.md
@@ -52,10 +52,10 @@
 - [x] T10: Creare model ApiToken (SQLAlchemy) - ✅ Completato (2026-04-07 11:15)
 - [x] T11: Setup Alembic e creare migrazione iniziale - ✅ Completato (2026-04-07 11:20)
 
-### 🔐 Servizi di Sicurezza (T12-T16) - 1/5 completati
+### 🔐 Servizi di Sicurezza (T12-T16) - 2/5 completati
 - [x] T12: Implementare EncryptionService (AES-256) - ✅ Completato (2026-04-07 12:00, commit: 2fdd9d1)
-- [ ] T13: Implementare password hashing (bcrypt) - 🟡 In progress
-- [ ] T14: Implementare JWT utilities
+- [x] T13: Implementare password hashing (bcrypt) - ✅ Completato (2026-04-07 12:15, commit: 54e8116)
+- [ ] T14: Implementare JWT utilities - 🟡 In progress
 - [ ] T15: Implementare API token generation
 - [ ] T16: Scrivere test per servizi di encryption
 
diff --git a/src/openrouter_monitor/services/jwt.py b/src/openrouter_monitor/services/jwt.py
new file mode 100644
index 0000000..a42951d
--- /dev/null
+++ b/src/openrouter_monitor/services/jwt.py
@@ -0,0 +1,129 @@
+"""JWT utilities for authentication.
+
+This module provides functions for creating, decoding, and verifying
+JWT tokens using the HS256 algorithm.
+"""
+
+from dataclasses import dataclass
+from datetime import datetime, timedelta, timezone
+from typing import Optional
+
+from jose import JWTError, jwt
+
+
+# Default algorithm
+ALGORITHM = "HS256"
+DEFAULT_EXPIRE_HOURS = 24
+
+
+@dataclass
+class TokenData:
+    """Data extracted from a verified JWT token."""
+
+    user_id: str
+    exp: datetime
+    iat: datetime
+
+
+def create_access_token(
+    data: dict,
+    expires_delta: Optional[timedelta] = None,
+    secret_key: str = None,
+) -> str:
+    """Create a JWT access token.
+
+    Args:
+        data: Dictionary containing claims to encode (e.g., {"sub": user_id}).
+        expires_delta: Optional custom expiration time. Defaults to 24 hours.
+        secret_key: Secret key for signing. If None, uses config.SECRET_KEY.
+
+    Returns:
+        The encoded JWT token string.
+
+    Raises:
+        ValueError: If secret_key is not provided and config.SECRET_KEY is not set.
+    """
+    # Import config here to avoid circular imports
+    if secret_key is None:
+        from openrouter_monitor.config import get_settings
+
+        settings = get_settings()
+        secret_key = settings.secret_key
+
+    to_encode = data.copy()
+
+    # Calculate expiration time
+    now = datetime.now(timezone.utc)
+    if expires_delta:
+        expire = now + expires_delta
+    else:
+        expire = now + timedelta(hours=DEFAULT_EXPIRE_HOURS)
+
+    # Add standard claims
+    to_encode.update({
+        "exp": expire,
+        "iat": now,
+    })
+
+    # Encode token
+    encoded_jwt = jwt.encode(to_encode, secret_key, algorithm=ALGORITHM)
+    return encoded_jwt
+
+
+def decode_access_token(token: str, secret_key: str = None) -> dict:
+    """Decode and validate a JWT token.
+
+    Args:
+        token: The JWT token string to decode.
+        secret_key: Secret key for verification. If None, uses config.SECRET_KEY.
+
+    Returns:
+        Dictionary containing the decoded payload.
+
+    Raises:
+        JWTError: If token is invalid, expired, or signature verification fails.
+        ValueError: If secret_key is not provided and config.SECRET_KEY is not set.
+    """
+    # Import config here to avoid circular imports
+    if secret_key is None:
+        from openrouter_monitor.config import get_settings
+
+        settings = get_settings()
+        secret_key = settings.secret_key
+
+    payload = jwt.decode(token, secret_key, algorithms=[ALGORITHM])
+    return payload
+
+
+def verify_token(token: str, secret_key: str = None) -> TokenData:
+    """Verify a JWT token and extract user data.
+
+    Args:
+        token: The JWT token string to verify.
+        secret_key: Secret key for verification. If None, uses config.SECRET_KEY.
+
+    Returns:
+        TokenData object containing user_id, exp, and iat.
+
+    Raises:
+        JWTError: If token is invalid, expired, or missing required claims.
+        ValueError: If secret_key is not provided and config.SECRET_KEY is not set.
+    """
+    payload = decode_access_token(token, secret_key=secret_key)
+
+    # Extract required claims
+    user_id = payload.get("sub")
+    if user_id is None:
+        raise JWTError("Token missing 'sub' claim")
+
+    exp_timestamp = payload.get("exp")
+    iat_timestamp = payload.get("iat")
+
+    if exp_timestamp is None or iat_timestamp is None:
+        raise JWTError("Token missing exp or iat claim")
+
+    # Convert timestamps to datetime
+    exp = datetime.fromtimestamp(exp_timestamp, tz=timezone.utc)
+    iat = datetime.fromtimestamp(iat_timestamp, tz=timezone.utc)
+
+    return TokenData(user_id=user_id, exp=exp, iat=iat)
diff --git a/tests/unit/services/test_jwt.py b/tests/unit/services/test_jwt.py
new file mode 100644
index 0000000..b1131d1
--- /dev/null
+++ b/tests/unit/services/test_jwt.py
@@ -0,0 +1,315 @@
+"""Tests for JWT utilities - T14.
+
+Tests for JWT token creation, decoding, and verification.
+"""
+
+from datetime import datetime, timedelta, timezone
+
+import pytest
+from jose import JWTError, jwt
+
+
+pytestmark = [pytest.mark.unit, pytest.mark.security]
+
+
+class TestJWTCreateAccessToken:
+    """Test suite for create_access_token function."""
+
+    def test_create_access_token_returns_string(self, jwt_secret):
+        """Test that create_access_token returns a string token."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token
+
+        data = {"sub": "user123"}
+
+        # Act
+        token = create_access_token(data, secret_key=jwt_secret)
+
+        # Assert
+        assert isinstance(token, str)
+        assert len(token) > 0
+
+    def test_create_access_token_contains_payload(self, jwt_secret):
+        """Test that token contains the original payload data."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, decode_access_token
+
+        data = {"sub": "user123", "email": "test@example.com"}
+
+        # Act
+        token = create_access_token(data, secret_key=jwt_secret)
+        decoded = decode_access_token(token, secret_key=jwt_secret)
+
+        # Assert
+        assert decoded["sub"] == "user123"
+        assert decoded["email"] == "test@example.com"
+
+    def test_create_access_token_includes_exp(self, jwt_secret):
+        """Test that token includes expiration claim."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, decode_access_token
+
+        data = {"sub": "user123"}
+
+        # Act
+        token = create_access_token(data, secret_key=jwt_secret)
+        decoded = decode_access_token(token, secret_key=jwt_secret)
+
+        # Assert
+        assert "exp" in decoded
+        assert isinstance(decoded["exp"], int)
+
+    def test_create_access_token_includes_iat(self, jwt_secret):
+        """Test that token includes issued-at claim."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, decode_access_token
+
+        data = {"sub": "user123"}
+
+        # Act
+        token = create_access_token(data, secret_key=jwt_secret)
+        decoded = decode_access_token(token, secret_key=jwt_secret)
+
+        # Assert
+        assert "iat" in decoded
+        assert isinstance(decoded["iat"], int)
+
+    def test_create_access_token_with_custom_expiration(self, jwt_secret):
+        """Test token creation with custom expiration delta."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, decode_access_token
+
+        data = {"sub": "user123"}
+        expires_delta = timedelta(hours=1)
+
+        # Act
+        token = create_access_token(data, expires_delta=expires_delta, secret_key=jwt_secret)
+        decoded = decode_access_token(token, secret_key=jwt_secret)
+
+        # Assert
+        exp_timestamp = decoded["exp"]
+        iat_timestamp = decoded["iat"]
+        exp_duration = exp_timestamp - iat_timestamp
+        assert exp_duration == 3600  # 1 hour in seconds
+
+    def test_create_access_token_default_expiration(self, jwt_secret):
+        """Test token creation with default expiration (24 hours)."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, decode_access_token
+
+        data = {"sub": "user123"}
+
+        # Act
+        token = create_access_token(data, secret_key=jwt_secret)
+        decoded = decode_access_token(token, secret_key=jwt_secret)
+
+        # Assert
+        exp_timestamp = decoded["exp"]
+        iat_timestamp = decoded["iat"]
+        exp_duration = exp_timestamp - iat_timestamp
+        assert exp_duration == 86400  # 24 hours in seconds
+
+
+class TestJWTDecodeAccessToken:
+    """Test suite for decode_access_token function."""
+
+    def test_decode_valid_token_returns_payload(self, jwt_secret):
+        """Test decoding a valid token returns the payload."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, decode_access_token
+
+        data = {"sub": "user123", "role": "admin"}
+        token = create_access_token(data, secret_key=jwt_secret)
+
+        # Act
+        decoded = decode_access_token(token, secret_key=jwt_secret)
+
+        # Assert
+        assert decoded["sub"] == "user123"
+        assert decoded["role"] == "admin"
+
+    def test_decode_expired_token_raises_error(self, jwt_secret):
+        """Test decoding an expired token raises JWTError."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, decode_access_token
+
+        data = {"sub": "user123"}
+        # Create token that expired 1 hour ago
+        expires_delta = timedelta(hours=-1)
+        token = create_access_token(data, expires_delta=expires_delta, secret_key=jwt_secret)
+
+        # Act & Assert
+        with pytest.raises(JWTError):
+            decode_access_token(token, secret_key=jwt_secret)
+
+    def test_decode_invalid_signature_raises_error(self, jwt_secret):
+        """Test decoding token with wrong secret raises JWTError."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, decode_access_token
+
+        data = {"sub": "user123"}
+        token = create_access_token(data, secret_key=jwt_secret)
+
+        # Act & Assert
+        with pytest.raises(JWTError):
+            decode_access_token(token, secret_key="wrong-secret-key-32-chars-long!")
+
+    def test_decode_malformed_token_raises_error(self, jwt_secret):
+        """Test decoding malformed token raises JWTError."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import decode_access_token
+
+        # Act & Assert
+        with pytest.raises(JWTError):
+            decode_access_token("invalid-token", secret_key=jwt_secret)
+
+
+class TestJWTVerifyToken:
+    """Test suite for verify_token function."""
+
+    def test_verify_valid_token_returns_token_data(self, jwt_secret):
+        """Test verifying valid token returns TokenData."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, verify_token
+
+        data = {"sub": "user123"}
+        token = create_access_token(data, secret_key=jwt_secret)
+
+        # Act
+        token_data = verify_token(token, secret_key=jwt_secret)
+
+        # Assert
+        assert token_data.user_id == "user123"
+        assert token_data.exp is not None
+
+    def test_verify_token_without_sub_raises_error(self, jwt_secret):
+        """Test verifying token without sub claim raises error."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, verify_token
+
+        data = {"email": "test@example.com"}  # No sub
+        token = create_access_token(data, secret_key=jwt_secret)
+
+        # Act & Assert
+        with pytest.raises(JWTError):
+            verify_token(token, secret_key=jwt_secret)
+
+    def test_verify_expired_token_raises_error(self, jwt_secret):
+        """Test verifying expired token raises JWTError."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, verify_token
+
+        data = {"sub": "user123"}
+        expires_delta = timedelta(hours=-1)
+        token = create_access_token(data, expires_delta=expires_delta, secret_key=jwt_secret)
+
+        # Act & Assert
+        with pytest.raises(JWTError):
+            verify_token(token, secret_key=jwt_secret)
+
+
+class TestJWTAlgorithm:
+    """Test suite for JWT algorithm configuration."""
+
+    def test_token_uses_hs256_algorithm(self, jwt_secret):
+        """Test that token uses HS256 algorithm."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token
+
+        data = {"sub": "user123"}
+
+        # Act
+        token = create_access_token(data, secret_key=jwt_secret)
+
+        # Decode without verification to check header
+        header = jwt.get_unverified_header(token)
+
+        # Assert
+        assert header["alg"] == "HS256"
+
+
+class TestJWTWithConfig:
+    """Test suite for JWT functions using config settings."""
+
+    def test_create_access_token_uses_config_secret(self):
+        """Test that create_access_token uses SECRET_KEY from config when not provided."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, decode_access_token
+
+        data = {"sub": "user123"}
+
+        # Act - Don't pass secret_key, should use config
+        token = create_access_token(data)
+        decoded = decode_access_token(token)
+
+        # Assert
+        assert decoded["sub"] == "user123"
+
+    def test_decode_access_token_uses_config_secret(self):
+        """Test that decode_access_token uses SECRET_KEY from config when not provided."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, decode_access_token
+
+        data = {"sub": "user123"}
+        token = create_access_token(data)  # Uses config
+
+        # Act - Don't pass secret_key, should use config
+        decoded = decode_access_token(token)
+
+        # Assert
+        assert decoded["sub"] == "user123"
+
+    def test_verify_token_uses_config_secret(self):
+        """Test that verify_token uses SECRET_KEY from config when not provided."""
+        # Arrange
+        from src.openrouter_monitor.services.jwt import create_access_token, verify_token
+
+        data = {"sub": "user123"}
+        token = create_access_token(data)  # Uses config
+
+        # Act - Don't pass secret_key, should use config
+        token_data = verify_token(token)
+
+        # Assert
+        assert token_data.user_id == "user123"
+
+
+class TestJWTEdgeCases:
+    """Test suite for JWT edge cases."""
+
+    def test_verify_token_without_exp_raises_error(self, jwt_secret):
+        """Test verifying token without exp claim raises error."""
+        # Arrange - Create token manually without exp
+        from jose import jwt as jose_jwt
+
+        payload = {"sub": "user123", "iat": datetime.now(timezone.utc).timestamp()}
+        token = jose_jwt.encode(payload, jwt_secret, algorithm="HS256")
+
+        # Act & Assert
+        from src.openrouter_monitor.services.jwt import verify_token
+
+        with pytest.raises(Exception):  # JWTError or similar
+            verify_token(token, secret_key=jwt_secret)
+
+    def test_verify_token_without_iat_raises_error(self, jwt_secret):
+        """Test verifying token without iat claim raises error."""
+        # Arrange - Create token manually without iat
+        from jose import jwt as jose_jwt
+        from datetime import timedelta
+
+        now = datetime.now(timezone.utc)
+        payload = {"sub": "user123", "exp": (now + timedelta(hours=1)).timestamp()}
+        token = jose_jwt.encode(payload, jwt_secret, algorithm="HS256")
+
+        # Act & Assert
+        from src.openrouter_monitor.services.jwt import verify_token
+
+        with pytest.raises(Exception):  # JWTError or similar
+            verify_token(token, secret_key=jwt_secret)
+
+
+# Fixtures
+@pytest.fixture
+def jwt_secret():
+    """Provide a test JWT secret key."""
+    return "test-jwt-secret-key-32-chars-long!"