diff --git a/interface/src/emulated_u128.rs b/interface/src/emulated_u128.rs
new file mode 100644
index 0000000..f23f2e1
--- /dev/null
+++ b/interface/src/emulated_u128.rs
@@ -0,0 +1,140 @@
+use core::cmp::Ordering;
+
+#[derive(Copy, Clone, Default, Debug, Eq, PartialEq)]
+pub struct U128 {
+    pub hi: u64,
+    pub lo: u64,
+}
+
+impl U128 {
+    pub const ZERO: Self = Self { hi: 0, lo: 0 };
+    pub const MAX: Self = Self {
+        hi: u64::MAX,
+        lo: u64::MAX,
+    };
+
+    pub const fn from_u64(x: u64) -> Self {
+        Self { hi: 0, lo: x }
+    }
+
+    pub const fn is_zero(self) -> bool {
+        self.hi == 0 && self.lo == 0
+    }
+
+    pub fn mul_u64(lhs: u64, rhs: u64) -> Self {
+        mul_u64_wide(lhs, rhs)
+    }
+
+    pub fn checked_mul_u64(self, rhs: u64) -> Option<Self> {
+        if rhs == 0 || self.is_zero() {
+            return Some(Self::ZERO);
+        }
+
+        // self * rhs = (self.lo * rhs) + (self.hi * rhs) << 64
+        let lo_prod = mul_u64_wide(self.lo, rhs); // 128-bit
+        let hi_prod = mul_u64_wide(self.hi, rhs); // 128-bit
+
+        // Shifting hi_prod left by 64 would discard hi_prod.hi beyond 128 -> overflow
+        if hi_prod.hi != 0 {
+            return None;
+        }
+
+        // new_hi = lo_prod.hi + hi_prod.lo
+        // overflow => exceed 128 bits
+        let (new_hi, overflow) = lo_prod.hi.overflowing_add(hi_prod.lo);
+        if overflow {
+            return None;
+        }
+
+        Some(Self {
+            hi: new_hi,
+            lo: lo_prod.lo,
+        })
+    }
+
+    pub fn saturating_mul_u64(self, rhs: u64) -> Self {
+        self.checked_mul_u64(rhs).unwrap_or(Self::MAX)
+    }
+
+    /// Some magic copied from the internet
+    pub fn div_floor_u64_clamped(numer: Self, denom: Self, clamp: u64) -> u64 {
+        if clamp == 0 || numer.is_zero() || denom.is_zero() {
+            return 0;
+        }
+        if numer < denom {
+            return 0;
+        }
+
+        if numer.hi == 0 && denom.hi == 0 {
+            return core::cmp::min(numer.lo / denom.lo, clamp);
+        }
+
+        // Fast path: if denom*clamp <= numer, clamp
+        if let Some(prod) = denom.checked_mul_u64(clamp) {
+            if prod <= numer {
+                return clamp;
+            }
+        }
+
+        let mut lo: u64 = 0;
+        let mut hi: u64 = clamp;
+
+        for _ in 0..64 {
+            if lo == hi {
+                break;
+            }
+
+            let diff = hi - lo;
+            let mid = lo + (diff / 2) + (diff & 1);
+
+            let ok = match denom.checked_mul_u64(mid) {
+                Some(prod) => prod <= numer,
+                None => false,
+            };
+
+            if ok {
+                lo = mid;
+            } else {
+                hi = mid - 1;
+            }
+        }
+
+        lo
+    }
+}
+
+impl Ord for U128 {
+    fn cmp(&self, other: &Self) -> Ordering {
+        match self.hi.cmp(&other.hi) {
+            Ordering::Equal => self.lo.cmp(&other.lo),
+            ord => ord,
+        }
+    }
+}
+
+impl PartialOrd for U128 {
+    fn partial_cmp(&self, other: &Self) -> Option<Ordering> {
+        Some(self.cmp(other))
+    }
+}
+
+/// In order to multiply a u64*u64 you need to use 32-bit halves
+fn mul_u64_wide(a: u64, b: u64) -> U128 {
+    const MASK32: u64 = 0xFFFF_FFFF;
+
+    let a0 = a & MASK32;
+    let a1 = a >> 32;
+    let b0 = b & MASK32;
+    let b1 = b >> 32;
+
+    let w0 = a0 * b0; // 64-bit
+    let t = a1 * b0 + (w0 >> 32); // fits in u64
+    let w1 = t & MASK32;
+    let w2 = t >> 32;
+
+    let t = a0 * b1 + w1; // fits in u64
+    let lo = (t << 32) | (w0 & MASK32);
+    let hi = a1 * b1 + w2 + (t >> 32);
+
+    U128 { hi, lo }
+}
diff --git a/interface/src/lib.rs b/interface/src/lib.rs
index cbb9828..f3ddc7e 100644
--- a/interface/src/lib.rs
+++ b/interface/src/lib.rs
@@ -5,6 +5,7 @@
 
 #[allow(deprecated)]
 pub mod config;
+mod emulated_u128;
 pub mod error;
 pub mod instruction;
 pub mod stake_flags;
diff --git a/interface/src/warmup_cooldown_allowance.rs b/interface/src/warmup_cooldown_allowance.rs
index 95aa7af..0398163 100644
--- a/interface/src/warmup_cooldown_allowance.rs
+++ b/interface/src/warmup_cooldown_allowance.rs
@@ -1,4 +1,7 @@
-use {crate::stake_history::StakeHistoryEntry, solana_clock::Epoch};
+use {
+    crate::{emulated_u128::U128, stake_history::StakeHistoryEntry},
+    solana_clock::Epoch,
+};
 
 pub const BASIS_POINTS_PER_UNIT: u64 = 10_000;
 pub const ORIGINAL_WARMUP_COOLDOWN_RATE_BPS: u64 = 2_500; // 25%
@@ -79,17 +82,16 @@ fn rate_limited_stake_change(
     // If the multiplication would overflow, we saturate to u128::MAX. This ensures
     // that even in extreme edge cases, the rate-limiting invariant is maintained
     // (fail-safe) rather than bypassing rate limits entirely (fail-open).
-    let numerator = (account_portion as u128)
-        .saturating_mul(cluster_effective as u128)
-        .saturating_mul(rate_bps as u128);
-    let denominator = (cluster_portion as u128).saturating_mul(BASIS_POINTS_PER_UNIT as u128);
+    let numerator = U128::from_u64(account_portion)
+        .saturating_mul_u64(cluster_effective)
+        .saturating_mul_u64(rate_bps);
+
+    let denominator = U128::mul_u64(cluster_portion, BASIS_POINTS_PER_UNIT);
 
-    // Safe unwrap as denominator cannot be zero due to early return guards above
-    let delta = numerator.checked_div(denominator).unwrap();
     // The calculated delta can be larger than `account_portion` if the network's stake change
     // allowance is greater than the total stake waiting to change. In this case, the account's
     // entire portion is allowed to change.
-    delta.min(account_portion as u128) as u64
+    U128::div_floor_u64_clamped(numerator, denominator, account_portion)
 }
 
 #[cfg(test)]
@@ -382,9 +384,60 @@ mod test {
         (weight * newly_effective_cluster_stake) as u64
     }
 
+    // Integer math implementation using native `u128`.
+    // Kept in tests as an oracle to ensure behavior is unchanged.
+    fn rate_limited_stake_change_native_u128(
+        epoch: Epoch,
+        account_portion: u64,
+        cluster_portion: u64,
+        cluster_effective: u64,
+        new_rate_activation_epoch: Option<Epoch>,
+    ) -> u64 {
+        if account_portion == 0 || cluster_portion == 0 || cluster_effective == 0 {
+            return 0;
+        }
+
+        let rate_bps = warmup_cooldown_rate_bps(epoch, new_rate_activation_epoch);
+
+        let numerator = (account_portion as u128)
+            .saturating_mul(cluster_effective as u128)
+            .saturating_mul(rate_bps as u128);
+        let denominator = (cluster_portion as u128).saturating_mul(BASIS_POINTS_PER_UNIT as u128);
+
+        let delta = numerator.checked_div(denominator).unwrap();
+        delta.min(account_portion as u128) as u64
+    }
+
     proptest! {
         #![proptest_config(ProptestConfig::with_cases(10_000))]
 
+        #[test]
+        fn rate_limited_change_matches_native_u128(
+            account_portion in 0u64..=u64::MAX,
+            cluster_portion in 0u64..=u64::MAX,
+            cluster_effective in 0u64..=u64::MAX,
+            current_epoch in 0u64..=2000,
+            new_rate_activation_epoch_option in prop::option::of(0u64..=2000),
+        ) {
+            let new_impl = rate_limited_stake_change(
+                current_epoch,
+                account_portion,
+                cluster_portion,
+                cluster_effective,
+                new_rate_activation_epoch_option,
+            );
+
+            let native_u128 = rate_limited_stake_change_native_u128(
+                current_epoch,
+                account_portion,
+                cluster_portion,
+                cluster_effective,
+                new_rate_activation_epoch_option,
+            );
+
+            prop_assert_eq!(new_impl, native_u128);
+        }
+
         #[test]
         fn rate_limited_change_consistent_with_legacy(
             account_portion in 0u64..=u64::MAX,