diff --git a/.ai/architecture.md b/.ai/architecture.md
index a0440a2..78a0c26 100644
--- a/.ai/architecture.md
+++ b/.ai/architecture.md
@@ -29,9 +29,9 @@ market — котировками, income — выплатами/личными
 domain из-за extraction в функцию. Boundary mappers преобразуют внешние records;
 чистые расчёты portfolio/banking остаются у domain owner.
 
-PrismaService владеет DB lifecycle. Самостоятельные use cases получают данные
-через concrete repositories; существующие связные CRUD/transaction services
-сохраняют прямые queries по [data convention](conventions/data.md).
+PrismaService владеет DB lifecycle. Application services/use cases получают
+данные через concrete repositories; запросы и CAS живут в infrastructure
+по [data convention](conventions/data.md).
 Money — currency + decimal string; расчёты используют точные общие helpers.
 
 Auth управляет identity/session; TbankAccessService проверяет доступ к счёту и
@@ -201,9 +201,9 @@ Circular dependencies устраняй изменением ownership/compositio
 конкретные infrastructure providers, зарегистрированные module. Infrastructure
 может использовать application types/input и domain rules; новые interfaces
 ради инверсии зависимостей не обязательны. Domain не импортирует presentation или
-infrastructure. Существующие связные CRUD/transaction services могут сохранять прямые queries
-по [Data](conventions/data.md); use case получает данные через repository и сам
-Prisma queries не выполняет. Entity/interface на каждую таблицу не требуется.
+infrastructure. Application не строит Prisma queries: use case и связный CRUD
+service обращаются к репозиторию по [Data](conventions/data.md). Entity/interface
+на каждую таблицу не требуется.
 DTO остаются транспортными runtime classes; существующее использование DTO
 на application boundary допустимо по [HTTP API](conventions/http-api.md).
 
diff --git a/.ai/conventions/data.md b/.ai/conventions/data.md
index b79cc76..ea74b2f 100644
--- a/.ai/conventions/data.md
+++ b/.ai/conventions/data.md
@@ -34,19 +34,19 @@ candidate, не повод дублировать их при новом use cas
 вызывает repository, затем чистый `bankSummary` и формирует ответ. Prisma records
 не становятся domain entities: расчёт получает только нужные ему значения.
 
-Не создавай обёртку на каждый вызов Prisma. Существующие связные CRUD/transaction
-services (auth, lifecycle подключения, изменения карт/операций/категорий)
-сохраняют queries рядом с CAS и проверками инварианта, если их перенос требует
-лишь набора pass-through методов. Новая самостоятельная read/write capability
-получает repository method; самостоятельный use case не выполняет Prisma queries.
-`BankCardsRepository.write` сохраняет общую retry/transaction boundary для
-существующих banking services. Такой callback с Prisma transaction client —
-локальная техническая граница этих services, не API для domain или use cases.
+Application-код не импортирует PrismaService и не строит Prisma queries.
+Репозиторий владеет запросом и CAS-проверкой результата, а application —
+правилами и формированием ответа. Типы Prisma допустимы только в type-only
+импортах для существующей транзакционной границы. Не создавай обёртку
+на каждый вызов Prisma без текущего потребителя. `BankCardsRepository.write`
+сохраняет retry/transaction boundary для банковских записей; callback с
+transaction client — локальная техническая граница, не API для domain.
 
 Выбирай только нужные данные, сохраняй user/account ownership в запросах и
 application checks. Предварительный lookup не заменяет unique constraint при race.
-Пример: AuthService обрабатывает P2002 и использует conditional `updateMany`
-для refresh rotation. Сначала пойми invariant; не копируй его flow в другой use case.
+Пример: AuthRepository преобразует P2002 в результат регистрации и выполняет
+conditional `updateMany` для refresh rotation; AuthService сохраняет HTTP
+error contract. Сначала пойми invariant; не копируй его flow в другой use case.
 
 Transaction не охватывает сетевой T-Bank вызов как будто это одна atomic DB
 операция. Планируй порядок и compensation по текущей задаче; не удерживай DB
diff --git a/eslint.config.mjs b/eslint.config.mjs
index d5a9e23..b44f066 100644
--- a/eslint.config.mjs
+++ b/eslint.config.mjs
@@ -158,13 +158,14 @@ export default defineConfig(
     },
   },
   {
-    files: ['src/**/*.use-case.ts'],
+    files: ['src/**/application/**/*.ts'],
     ignores: tests,
     rules: {
       'no-restricted-imports': ['error', {
         patterns: [{
           group: prismaImports,
-          message: 'Use cases obtain data through concrete repositories.',
+          allowTypeImports: true,
+          message: 'Application code obtains data through concrete repositories; type-only imports are allowed.',
         }],
       }],
     },
diff --git a/src/modules/auth/application/auth.service.spec.ts b/src/modules/auth/application/auth.service.spec.ts
index 3e04a6d..b9e4930 100644
--- a/src/modules/auth/application/auth.service.spec.ts
+++ b/src/modules/auth/application/auth.service.spec.ts
@@ -2,6 +2,8 @@ import { ConflictException, UnauthorizedException } from '@nestjs/common';
 import { JwtService } from '@nestjs/jwt';
 import { createHash } from 'crypto';
 
+import { AuthRepository } from '../infrastructure/auth.repository';
+
 jest.mock('bcrypt', () => ({
   hash: jest.fn(() => Promise.resolve('password-hash')),
   compare: jest.fn(() => Promise.resolve(true)),
@@ -51,7 +53,7 @@ describe('AuthService', () => {
       delete: jest.fn(),
     },
   };
-  const service = new AuthService(prisma as never, jwt);
+  const service = new AuthService(new AuthRepository(prisma as never), jwt);
 
   beforeEach(() => {
     jest.clearAllMocks();
diff --git a/src/modules/auth/application/auth.service.ts b/src/modules/auth/application/auth.service.ts
index f19cbc2..2462d24 100644
--- a/src/modules/auth/application/auth.service.ts
+++ b/src/modules/auth/application/auth.service.ts
@@ -7,15 +7,13 @@ import { JwtService } from '@nestjs/jwt';
 import * as bcrypt from 'bcrypt';
 import { createHash, randomUUID } from 'crypto';
 
-import { Session, User } from '../../../../generated/prisma/client';
+import type { Session, User } from '../../../../generated/prisma/client';
+
 import { HttpErrorCode } from '../../../common/error-code';
-import { isPrismaErrorCode, PrismaErrorCode } from '../../../prisma/prisma-error-code';
-import { PrismaService } from '../../../prisma/prisma.service';
+import { AuthRepository } from '../infrastructure/auth.repository';
 import { AuthErrorCode } from './auth-error-code';
 import { AuthenticationResult, AuthUser, RefreshPayload } from './auth.types';
 
-const EXPECTED_ROTATED_SESSIONS = 1;
-
 const PASSWORD_HASH_ROUNDS = 12;
 export const REFRESH_TTL_MS = 604_800_000;
 
@@ -28,7 +26,7 @@ const DUMMY_PASSWORD_HASH =
 @Injectable()
 export class AuthService {
   constructor(
-    private readonly prisma: PrismaService,
+    private readonly repository: AuthRepository,
     private readonly jwt: JwtService,
   ) {}
 
@@ -36,27 +34,18 @@ export class AuthService {
     email: string,
     password: string,
   ): Promise<AuthenticationResult> {
-    const existing = await this.prisma.user.findUnique({
-      where: { email },
-    });
+    const existing = await this.repository.findUserByEmail(email);
     if (existing) {
       throw new ConflictException({ code: AuthErrorCode.EmailAlreadyRegistered });
     }
 
-    let user: User;
-    try {
-      user = await this.prisma.user.create({
-        data: {
-          id: randomUUID(),
-          email,
-          passwordHash: await bcrypt.hash(password, PASSWORD_HASH_ROUNDS),
-        },
-      });
-    } catch (error) {
-      if (isUniqueConstraintError(error)) {
-        throw new ConflictException({ code: AuthErrorCode.EmailAlreadyRegistered });
-      }
-      throw error;
+    const user = await this.repository.createUser({
+      id: randomUUID(),
+      email,
+      passwordHash: await bcrypt.hash(password, PASSWORD_HASH_ROUNDS),
+    });
+    if (!user) {
+      throw new ConflictException({ code: AuthErrorCode.EmailAlreadyRegistered });
     }
     return this.createSession(user);
   }
@@ -65,9 +54,7 @@ export class AuthService {
     email: string,
     password: string,
   ): Promise<AuthenticationResult> {
-    const user = await this.prisma.user.findUnique({
-      where: { email },
-    });
+    const user = await this.repository.findUserByEmail(email);
     const valid = await bcrypt.compare(
       password,
       user?.passwordHash ?? DUMMY_PASSWORD_HASH,
@@ -92,10 +79,7 @@ export class AuthService {
     if (payload.type !== 'refresh') {
       throw new UnauthorizedException({ code: HttpErrorCode.Unauthorized });
     }
-    const session = await this.prisma.session.findUnique({
-      where: { id: payload.sid },
-      include: { user: true },
-    });
+    const session = await this.repository.findSessionWithUser(payload.sid);
     if (
       !session ||
       session.userId !== payload.sub ||
@@ -103,7 +87,7 @@ export class AuthService {
       session.expiresAt <= new Date()
     ) {
       if (session && !session.revokedAt) {
-        await this.prisma.session.delete({ where: { id: session.id } });
+        await this.repository.deleteSession(session.id);
       }
       throw new UnauthorizedException({ code: HttpErrorCode.Unauthorized });
     }
@@ -124,18 +108,13 @@ export class AuthService {
       return;
     }
     if (payload.type !== 'refresh') return;
-    const session = await this.prisma.session.findUnique({
-      where: { id: payload.sid },
-    });
+    const session = await this.repository.findSession(payload.sid);
     if (
       session &&
       !session.revokedAt &&
       session.refreshTokenHash === this.hash(token)
     ) {
-      await this.prisma.session.update({
-        where: { id: session.id },
-        data: { revokedAt: new Date() },
-      });
+      await this.repository.revokeSession(session.id);
     }
   }
 
@@ -144,7 +123,7 @@ export class AuthService {
   }
 
   async userById(id: string): Promise<User> {
-    const user = await this.prisma.user.findUnique({ where: { id } });
+    const user = await this.repository.findUserById(id);
     if (!user) throw new UnauthorizedException({ code: HttpErrorCode.Unauthorized });
     return user;
   }
@@ -152,14 +131,7 @@ export class AuthService {
   private async createSession(
     user: User,
   ): Promise<AuthenticationResult> {
-    const session = await this.prisma.session.create({
-      data: {
-        id: randomUUID(),
-        userId: user.id,
-        refreshTokenHash: '',
-        expiresAt: new Date(),
-      },
-    });
+    const session = await this.repository.createSession(user.id, randomUUID());
     return this.rotateSession({ ...session, user });
   }
 
@@ -180,16 +152,8 @@ export class AuthService {
       refreshTokenHash: this.hash(refreshToken),
       expiresAt: new Date(Date.now() + REFRESH_TTL_MS),
     };
-    if (expectedRefreshTokenHash) {
-      const updated = await this.prisma.session.updateMany({
-        where: { id: session.id, refreshTokenHash: expectedRefreshTokenHash },
-        data,
-      });
-      if (updated.count !== EXPECTED_ROTATED_SESSIONS) {
-        throw new UnauthorizedException({ code: HttpErrorCode.Unauthorized });
-      }
-    } else {
-      await this.prisma.session.update({ where: { id: session.id }, data });
+    if (!(await this.repository.rotateSession(session.id, data, expectedRefreshTokenHash))) {
+      throw new UnauthorizedException({ code: HttpErrorCode.Unauthorized });
     }
     return {
       user: this.toUser(session.user),
@@ -205,12 +169,3 @@ export class AuthService {
     return createHash('sha256').update(token).digest('hex');
   }
 }
-
-function isUniqueConstraintError(error: unknown): boolean {
-  return (
-    typeof error === 'object' &&
-    error !== null &&
-    'code' in error &&
-    isPrismaErrorCode(error.code, PrismaErrorCode.UniqueConstraint)
-  );
-}
diff --git a/src/modules/auth/auth.module.ts b/src/modules/auth/auth.module.ts
index 1d93f41..ccef8e5 100644
--- a/src/modules/auth/auth.module.ts
+++ b/src/modules/auth/auth.module.ts
@@ -5,6 +5,7 @@ import { PassportModule } from '@nestjs/passport';
 
 import { Environment } from '../../config/env.validation';
 import { AuthService } from './application/auth.service';
+import { AuthRepository } from './infrastructure/auth.repository';
 import { JwtStrategy } from './infrastructure/jwt.strategy';
 import { AuthController } from './presentation/auth.controller';
 import { JwtAuthGuard } from './presentation/jwt-auth.guard';
@@ -22,6 +23,6 @@ import { JwtAuthGuard } from './presentation/jwt-auth.guard';
   ],
   exports: [JwtAuthGuard],
   controllers: [AuthController],
-  providers: [AuthService, JwtStrategy, JwtAuthGuard],
+  providers: [AuthService, AuthRepository, JwtStrategy, JwtAuthGuard],
 })
 export class AuthModule {}
diff --git a/src/modules/auth/infrastructure/auth.repository.ts b/src/modules/auth/infrastructure/auth.repository.ts
new file mode 100644
index 0000000..afc3515
--- /dev/null
+++ b/src/modules/auth/infrastructure/auth.repository.ts
@@ -0,0 +1,81 @@
+import { Injectable } from '@nestjs/common';
+
+import { isPrismaErrorCode, PrismaErrorCode } from '../../../prisma/prisma-error-code';
+import { PrismaService } from '../../../prisma/prisma.service';
+
+const EXPECTED_ROTATED_SESSIONS = 1;
+
+@Injectable()
+export class AuthRepository {
+  constructor(private readonly prisma: PrismaService) {}
+
+  findUserByEmail(email: string) {
+    return this.prisma.user.findUnique({ where: { email } });
+  }
+
+  async createUser(data: { email: string; id: string; passwordHash: string }) {
+    try {
+      return await this.prisma.user.create({ data });
+    } catch (error) {
+      if (isUniqueConstraintError(error)) return null;
+      throw error;
+    }
+  }
+
+  findUserById(id: string) {
+    return this.prisma.user.findUnique({ where: { id } });
+  }
+
+  findSessionWithUser(id: string) {
+    return this.prisma.session.findUnique({
+      where: { id },
+      include: { user: true },
+    });
+  }
+
+  findSession(id: string) {
+    return this.prisma.session.findUnique({ where: { id } });
+  }
+
+  deleteSession(id: string) {
+    return this.prisma.session.delete({ where: { id } });
+  }
+
+  revokeSession(id: string) {
+    return this.prisma.session.update({
+      where: { id },
+      data: { revokedAt: new Date() },
+    });
+  }
+
+  createSession(userId: string, id: string) {
+    return this.prisma.session.create({
+      data: { id, userId, refreshTokenHash: '', expiresAt: new Date() },
+    });
+  }
+
+  async rotateSession(
+    id: string,
+    data: { expiresAt: Date; refreshTokenHash: string },
+    expectedRefreshTokenHash?: string,
+  ): Promise<boolean> {
+    if (expectedRefreshTokenHash) {
+      const updated = await this.prisma.session.updateMany({
+        where: { id, refreshTokenHash: expectedRefreshTokenHash },
+        data,
+      });
+      return updated.count === EXPECTED_ROTATED_SESSIONS;
+    }
+    await this.prisma.session.update({ where: { id }, data });
+    return true;
+  }
+}
+
+function isUniqueConstraintError(error: unknown): boolean {
+  return (
+    typeof error === 'object' &&
+    error !== null &&
+    'code' in error &&
+    isPrismaErrorCode(error.code, PrismaErrorCode.UniqueConstraint)
+  );
+}
diff --git a/src/modules/banking/bank-cards/application/bank-cards.service.ts b/src/modules/banking/bank-cards/application/bank-cards.service.ts
index e1e6d74..e8db044 100644
--- a/src/modules/banking/bank-cards/application/bank-cards.service.ts
+++ b/src/modules/banking/bank-cards/application/bank-cards.service.ts
@@ -1,7 +1,7 @@
 import { Injectable } from '@nestjs/common';
 
-import { BankCard, Prisma } from '../../../../../generated/prisma/client';
-import { PrismaService } from '../../../../prisma/prisma.service';
+import type { BankCard, Prisma } from '../../../../../generated/prisma/client';
+
 import { bankBalance } from '../domain/bank-card.calculations';
 import { rubMoney } from '../domain/rub-money';
 import { BankCardsRepository } from '../infrastructure/bank-cards.repository';
@@ -20,24 +20,13 @@ import {
   missing,
 } from './bank-card-input';
 
-const EXPECTED_UPDATED_CARDS = 1;
-
 type Tx = Prisma.TransactionClient;
 @Injectable()
 export class BankCardsService {
-  constructor(
-    private readonly prisma: PrismaService,
-    private readonly repository: BankCardsRepository,
-  ) {}
+  constructor(private readonly repository: BankCardsRepository) {}
 
   private async cardView(tx: Tx, card: BankCard): Promise<BankCardDto> {
-    const rows = await tx.bankCardOperation.findMany({
-      where: {
-        userId: card.userId,
-        deletedAt: null,
-        OR: [{ cardId: card.id }, { targetCardId: card.id }],
-      },
-    });
+    const rows = await this.repository.cardOperations(tx, card);
     return {
       id: card.id,
       name: card.name,
@@ -53,20 +42,15 @@ export class BankCardsService {
   }
 
   list(userId: string, includeArchived = false) {
-    return this.prisma.$transaction(async (tx) =>
-      Promise.all(
-        (
-          await tx.bankCard.findMany({
-            where: { userId, ...(includeArchived ? {} : { archivedAt: null }) },
-            orderBy: [{ createdAt: 'asc' }, { id: 'asc' }],
-          })
-        ).map((card) => this.cardView(tx, card)),
-      ),
+    return this.repository.read(async (tx) =>
+      Promise.all((await this.repository.cards(tx, userId, includeArchived)).map(
+        (card) => this.cardView(tx, card),
+      )),
     );
   }
 
   get(userId: string, id: string) {
-    return this.prisma.$transaction(async (tx) =>
+    return this.repository.read(async (tx) =>
       this.cardView(tx, await this.repository.card(tx, userId, id)),
     );
   }
@@ -75,7 +59,7 @@ export class BankCardsService {
     const input = cardInput(dto),
       hash = fingerprint(input);
     return this.repository.write(async (tx) => {
-      const existing = await tx.bankCard.findUnique({ where: { id: dto.id } });
+      const existing = await this.repository.cardById(tx, dto.id);
       if (existing) {
         if (existing.userId !== userId) missing();
         // eslint-disable-next-line security/detect-possible-timing-attacks -- This compares an idempotency fingerprint after ownership validation, not a secret.
@@ -88,8 +72,11 @@ export class BankCardsService {
       await this.repository.seed(tx, userId);
       return this.cardView(
         tx,
-        await tx.bankCard.create({
-          data: { ...input, id: dto.id, userId, createFingerprint: hash },
+        await this.repository.createCard(tx, {
+          ...input,
+          id: dto.id,
+          userId,
+          createFingerprint: hash,
         }),
       );
     });
@@ -122,20 +109,16 @@ export class BankCardsService {
       }
       currentDate(input.openingDate);
       if (
-        await tx.bankCardOperation.findFirst({
-          where: {
-            userId,
-            deletedAt: null,
-            date: { lt: input.openingDate },
-            OR: [{ cardId: id }, { targetCardId: id }],
-          },
-        })
+        await this.repository.hasOperationsBefore(tx, userId, id, input.openingDate)
       ) {
         fail(BankErrorCode.OpeningDateConflict);
       }
-      const changed = await tx.bankCard.updateMany({
-        where: { id, userId, version: dto.version },
-        data: {
+      const updated = await this.repository.updateCard(
+        tx,
+        userId,
+        id,
+        dto.version,
+        {
           ...input,
           paymentSystem: input.paymentSystem ?? null,
           version: { increment: 1 },
@@ -147,9 +130,8 @@ export class BankCardsService {
                   : null,
               }),
         },
-      });
-      if (changed.count !== EXPECTED_UPDATED_CARDS) conflict();
-      return this.cardView(tx, await this.repository.card(tx, userId, id));
+      );
+      return this.cardView(tx, updated);
     });
   }
 }
diff --git a/src/modules/banking/bank-cards/application/bank-operations.service.ts b/src/modules/banking/bank-cards/application/bank-operations.service.ts
index 8ffeec3..bd036f0 100644
--- a/src/modules/banking/bank-cards/application/bank-operations.service.ts
+++ b/src/modules/banking/bank-cards/application/bank-operations.service.ts
@@ -1,10 +1,10 @@
 import { GoneException, Injectable } from '@nestjs/common';
 
-import {
+import type {
   BankCardOperation,
   Prisma,
 } from '../../../../../generated/prisma/client';
-import { PrismaService } from '../../../../prisma/prisma.service';
+
 import { FIRST_PAGE } from '../domain/bank-card-limits';
 import { BankOperationKind } from '../domain/bank-operation-kind';
 import {
@@ -32,15 +32,10 @@ import {
   periodBounds,
 } from './bank-card-input';
 
-const EXPECTED_UPDATED_ROWS = 1;
-
 type Tx = Prisma.TransactionClient;
 @Injectable()
 export class BankOperationsService {
-  constructor(
-    private readonly prisma: PrismaService,
-    private readonly repository: BankCardsRepository,
-  ) {}
+  constructor(private readonly repository: BankCardsRepository) {}
 
   private async operationView(
     tx: Tx,
@@ -52,51 +47,7 @@ export class BankOperationsService {
   private async pageViews(tx: Tx, rows: BankCardOperation[]) {
     const userId = rows[0]?.userId;
     if (!userId) return [];
-    const cardIds = new Set(
-      rows.flatMap((row) =>
-        [row.cardId, row.targetCardId].filter(
-          (id): id is string => id !== null,
-        ),
-      ),
-    );
-    const sourceIds = new Set(
-      rows.flatMap((row) => (row.originalExpenseId ? [row.originalExpenseId] : [])),
-    );
-    const [cards, sources] = await Promise.all([
-      tx.bankCard.findMany({ where: { userId, id: { in: [...cardIds] } } }),
-      tx.bankCardOperation.findMany({
-        where: { userId, id: { in: [...sourceIds] } },
-      }),
-    ]);
-    const categoryIds = new Set(
-      rows
-        .map(
-          (row) =>
-            sources.find((source) => source.id === row.originalExpenseId)
-              ?.categoryId ?? row.categoryId,
-        )
-        .filter((id): id is string => id !== null),
-    );
-    const expenseIds = new Set(
-      rows.flatMap((row) => {
-        const source = sources.find((item) => item.id === row.originalExpenseId);
-        return row.kind === BankOperationKind.Expense || source
-          ? [source?.id ?? row.id]
-          : [];
-      }),
-    );
-    const [categories, refunds] = await Promise.all([
-      tx.expenseCategory.findMany({
-        where: { userId, id: { in: [...categoryIds] } },
-      }),
-      tx.bankCardOperation.findMany({
-        where: {
-          userId,
-          originalExpenseId: { in: [...expenseIds] },
-          deletedAt: null,
-        },
-      }),
-    ]);
+    const { cards, sources, categories, refunds } = await this.repository.operationViewData(tx, userId, rows);
     const cardsById = new Map(cards.map((card) => [card.id, card]));
     const sourcesById = new Map(sources.map((source) => [source.id, source]));
     const categoriesById = new Map(categories.map((category) => [category.id, category]));
@@ -172,16 +123,12 @@ export class BankOperationsService {
     if (operationFieldConflict(input)) fail();
     if (input.kind === BankOperationKind.Expense) {
       if (!input.categoryId) {
-        const category = await tx.expenseCategory.findUnique({
-          where: { userId_seedKey: { userId, seedKey: 'other' } },
-        });
+        const category = await this.repository.defaultCategory(tx, userId);
         if (!category) missing();
         input.categoryId = category.id;
       }
       if (
-        !(await tx.expenseCategory.findFirst({
-          where: { userId, id: input.categoryId },
-        }))
+        !(await this.repository.category(tx, userId, input.categoryId))
       ) {
         missing();
       }
@@ -199,29 +146,11 @@ export class BankOperationsService {
       ) {
         fail(BankErrorCode.InvalidRefund);
       }
-      if (
-        (
-          await tx.bankCardOperation.updateMany({
-            where: {
-              id: source.id,
-              userId,
-              version: source.version,
-              deletedAt: null,
-            },
-            data: { version: { increment: 1 } },
-          })
-        ).count !== EXPECTED_UPDATED_ROWS
-      ) {
-        conflict();
-      }
-      const refunds = await tx.bankCardOperation.findMany({
-        where: {
-          userId,
-          originalExpenseId: source.id,
-          deletedAt: null,
-          ...(old ? { id: { not: old.id } } : {}),
-        },
-      });
+      await this.repository.updateOperation(tx,
+        { id: source.id, userId, version: source.version, deletedAt: null },
+        { version: { increment: 1 } },
+      );
+      const refunds = await this.repository.refunds(tx, userId, source.id, old?.id);
       if (input.date < source.date) fail(BankErrorCode.InvalidDate);
       if (
         refunds.reduce((sum, r) => sum + r.amountKopecks, ZERO_KOPECKS) +
@@ -232,9 +161,7 @@ export class BankOperationsService {
       }
     }
     if (old?.kind === BankOperationKind.Expense) {
-      const refunds = await tx.bankCardOperation.findMany({
-        where: { userId, originalExpenseId: old.id, deletedAt: null },
-      });
+      const refunds = await this.repository.refunds(tx, userId, old.id);
       if (
         refunds.length &&
         (input.cardId !== old.cardId ||
@@ -251,9 +178,7 @@ export class BankOperationsService {
     const normalized = operationInput(dto),
       hash = fingerprint(normalized);
     return this.repository.write(async (tx) => {
-      const existing = await tx.bankCardOperation.findUnique({
-        where: { id: dto.id },
-      });
+      const existing = await this.repository.operationById(tx, dto.id);
       if (existing) {
         if (existing.userId !== userId) missing();
         // eslint-disable-next-line security/detect-possible-timing-attacks -- This compares an idempotency fingerprint after ownership validation, not a secret.
@@ -269,15 +194,15 @@ export class BankOperationsService {
       await this.validateOperation(tx, userId, input);
       return this.operationView(
         tx,
-        await tx.bankCardOperation.create({
-          data: { ...input, id: dto.id, userId, createFingerprint: hash },
+        await this.repository.createOperation(tx, {
+          ...input, id: dto.id, userId, createFingerprint: hash,
         }),
       );
     });
   }
 
   getOperation(userId: string, id: string) {
-    return this.prisma.$transaction(async (tx) => {
+    return this.repository.read(async (tx) => {
       const row = await this.repository.operation(tx, userId, id);
       if (row.deletedAt) missing();
       return this.operationView(tx, row);
@@ -302,16 +227,10 @@ export class BankOperationsService {
         description: dto.description ?? old.description ?? undefined,
       });
       await this.validateOperation(tx, userId, input, old);
-      if (
-        (
-          await tx.bankCardOperation.updateMany({
-            where: { id, userId, version: dto.version, deletedAt: null },
-            data: { ...input, version: { increment: 1 } },
-          })
-        ).count !== EXPECTED_UPDATED_ROWS
-      ) {
-        conflict();
-      }
+      await this.repository.updateOperation(tx,
+        { id, userId, version: dto.version, deletedAt: null },
+        { ...input, version: { increment: 1 } },
+      );
       return this.operationView(
         tx,
         await this.repository.operation(tx, userId, id),
@@ -330,9 +249,7 @@ export class BankOperationsService {
       }
       if (
         row.kind === BankOperationKind.Expense &&
-        (await tx.bankCardOperation.findFirst({
-          where: { userId, originalExpenseId: id, deletedAt: null },
-        }))
+        (await this.repository.dependentRefund(tx, userId, id))
       ) {
         conflict(BankErrorCode.DependentRefunds);
       }
@@ -342,27 +259,15 @@ export class BankOperationsService {
           userId,
           row.originalExpenseId,
         );
-        if (
-          (
-            await tx.bankCardOperation.updateMany({
-              where: { id: source.id, userId, version: source.version },
-              data: { version: { increment: 1 } },
-            })
-          ).count !== EXPECTED_UPDATED_ROWS
-        ) {
-          conflict();
-        }
-      }
-      if (
-        (
-          await tx.bankCardOperation.updateMany({
-            where: { id, userId, version, deletedAt: null },
-            data: { deletedAt: new Date(), version: { increment: 1 } },
-          })
-        ).count !== EXPECTED_UPDATED_ROWS
-      ) {
-        conflict();
+        await this.repository.updateOperation(tx,
+          { id: source.id, userId, version: source.version },
+          { version: { increment: 1 } },
+        );
       }
+      await this.repository.updateOperation(tx,
+        { id, userId, version, deletedAt: null },
+        { deletedAt: new Date(), version: { increment: 1 } },
+      );
     });
   }
 
@@ -375,25 +280,13 @@ export class BankOperationsService {
     const period = expenses
       ? undefined
       : periodBounds(query as BankOperationsQueryDto);
-    return this.prisma.$transaction(async (tx) => {
+    return this.repository.read(async (tx) => {
       await this.repository.card(tx, userId, id);
       const limit = query.limit ?? DEFAULT_BANK_PAGE_SIZE,
         page = query.page ?? FIRST_PAGE;
-      const where: Prisma.BankCardOperationWhereInput = {
-        userId,
-        deletedAt: null,
-        OR: [{ cardId: id }, { targetCardId: id }],
-        ...(period
-          ? { date: { gte: period.from, lte: period.to } }
-          : { kind: BankOperationKind.Expense }),
-      };
-      const total = await tx.bankCardOperation.count({ where });
-      const rows = await tx.bankCardOperation.findMany({
-        where,
-        orderBy: [{ date: 'desc' }, { createdAt: 'desc' }, { id: 'desc' }],
-        skip: (page - FIRST_PAGE) * limit,
-        take: limit,
-      });
+      const { total, rows } = await this.repository.operationPage(
+        tx, userId, id, period, limit, page,
+      );
       return {
         items: await this.pageViews(tx, rows),
         total,
diff --git a/src/modules/banking/bank-cards/application/expense-categories.service.ts b/src/modules/banking/bank-cards/application/expense-categories.service.ts
index 4dbad85..65dadef 100644
--- a/src/modules/banking/bank-cards/application/expense-categories.service.ts
+++ b/src/modules/banking/bank-cards/application/expense-categories.service.ts
@@ -1,81 +1,24 @@
 import { Injectable } from '@nestjs/common';
-import { randomUUID } from 'node:crypto';
 
-import { PrismaService } from '../../../../prisma/prisma.service';
 import { MAX_CATEGORY_NAME_LENGTH } from '../domain/bank-card-limits';
 import { BankCardsRepository } from '../infrastructure/bank-cards.repository';
-import { conflict, missing, name } from './bank-card-input';
-
-const EXPECTED_UPDATED_CATEGORIES = 1;
-const VERSION_INCREMENT = 1;
+import { name } from './bank-card-input';
 
 @Injectable()
 export class ExpenseCategoriesService {
-  constructor(
-    private readonly prisma: PrismaService,
-    private readonly repository: BankCardsRepository,
-  ) {}
+  constructor(private readonly repository: BankCardsRepository) {}
 
   async categories(userId: string) {
-    return (
-      await this.prisma.expenseCategory.findMany({
-        where: { userId },
-        orderBy: [{ name: 'asc' }, { id: 'asc' }],
-      })
-    ).map(({ id, name, seedKey, version }) => ({
-      id,
-      name,
-      isDefault: seedKey === 'other',
-      version,
-    }));
+    return this.repository.categories(userId);
   }
 
   createCategory(userId: string, value: string) {
     const label = name(value, MAX_CATEGORY_NAME_LENGTH);
-    return this.repository.write(async (tx) => {
-      await this.repository.seed(tx, userId);
-      const row = await tx.expenseCategory.create({
-        data: {
-          id: randomUUID(),
-          userId,
-          name: label,
-          nameKey: label.toLocaleLowerCase('ru-RU'),
-        },
-      });
-      return {
-        id: row.id,
-        name: row.name,
-        isDefault: false,
-        version: row.version,
-      };
-    });
+    return this.repository.createCategory(userId, label);
   }
 
   updateCategory(userId: string, id: string, value: string, version: number) {
     const label = name(value, MAX_CATEGORY_NAME_LENGTH);
-    return this.repository.write(async (tx) => {
-      const row = await tx.expenseCategory.findFirst({ where: { id, userId } });
-      if (!row) missing();
-      if (
-        (
-          await tx.expenseCategory.updateMany({
-            where: { id, userId, version },
-            data: {
-              name: label,
-              nameKey: label.toLocaleLowerCase('ru-RU'),
-              version: { increment: 1 },
-            },
-          })
-        ).count !== EXPECTED_UPDATED_CATEGORIES
-      ) {
-        conflict();
-      }
-      return {
-        id,
-        name: label,
-        isDefault: row.seedKey === 'other',
-        version: version + VERSION_INCREMENT,
-      };
-    });
+    return this.repository.updateCategory(userId, id, label, version);
   }
 }
diff --git a/src/modules/banking/bank-cards/infrastructure/bank-cards.repository.ts b/src/modules/banking/bank-cards/infrastructure/bank-cards.repository.ts
index 4f33ba9..3572f6b 100644
--- a/src/modules/banking/bank-cards/infrastructure/bank-cards.repository.ts
+++ b/src/modules/banking/bank-cards/infrastructure/bank-cards.repository.ts
@@ -1,7 +1,7 @@
 import { Injectable } from '@nestjs/common';
 import { randomUUID } from 'node:crypto';
 
-import { Prisma } from '../../../../../generated/prisma/client';
+import { BankCard, BankCardOperation, Prisma } from '../../../../../generated/prisma/client';
 import { isPrismaErrorCode, PrismaErrorCode } from '../../../../prisma/prisma-error-code';
 import { PrismaService } from '../../../../prisma/prisma.service';
 import {
@@ -9,10 +9,15 @@ import {
   conflict,
   missing,
 } from '../application/bank-card-input';
+import { FIRST_PAGE } from '../domain/bank-card-limits';
 import { BankOperationKind } from '../domain/bank-operation-kind';
 
 const INITIAL_RETRY_COUNT = 0;
 const LAST_SEED_OFFSET = 1;
+const EXPECTED_UPDATED_CARDS = 1;
+const EXPECTED_UPDATED_OPERATIONS = 1;
+const EXPECTED_UPDATED_CATEGORIES = 1;
+const VERSION_INCREMENT = 1;
 
 type Tx = Prisma.TransactionClient;
 const TRANSACTION_MAX_WAIT_MS = 10_000;
@@ -32,6 +37,220 @@ const seeds = [
 @Injectable()
 export class BankCardsRepository {
   constructor(private readonly prisma: PrismaService) {}
+
+  read<T>(run: (tx: Tx) => Promise<T>): Promise<T> {
+    return this.prisma.$transaction(run);
+  }
+
+  cards(tx: Tx, userId: string, includeArchived = false) {
+    return tx.bankCard.findMany({
+      where: { userId, ...(includeArchived ? {} : { archivedAt: null }) },
+      orderBy: [{ createdAt: 'asc' }, { id: 'asc' }],
+    });
+  }
+
+  cardOperations(tx: Tx, card: BankCard) {
+    return tx.bankCardOperation.findMany({
+      where: {
+        userId: card.userId,
+        deletedAt: null,
+        OR: [{ cardId: card.id }, { targetCardId: card.id }],
+      },
+    });
+  }
+
+  operationById(tx: Tx, id: string) {
+    return tx.bankCardOperation.findUnique({ where: { id } });
+  }
+
+  createOperation(tx: Tx, data: Prisma.BankCardOperationUncheckedCreateInput) {
+    return tx.bankCardOperation.create({ data });
+  }
+
+  async updateOperation(
+    tx: Tx,
+    where: Prisma.BankCardOperationWhereInput,
+    data: Prisma.BankCardOperationUpdateManyMutationInput,
+  ) {
+    const result = await tx.bankCardOperation.updateMany({ where, data });
+    if (result.count !== EXPECTED_UPDATED_OPERATIONS) conflict();
+  }
+
+  category(tx: Tx, userId: string, id: string) {
+    return tx.expenseCategory.findFirst({ where: { id, userId } });
+  }
+
+  defaultCategory(tx: Tx, userId: string) {
+    return tx.expenseCategory.findUnique({
+      where: { userId_seedKey: { userId, seedKey: 'other' } },
+    });
+  }
+
+  refunds(tx: Tx, userId: string, originalExpenseId: string, excludeId?: string) {
+    return tx.bankCardOperation.findMany({
+      where: {
+        userId,
+        originalExpenseId,
+        deletedAt: null,
+        ...(excludeId ? { id: { not: excludeId } } : {}),
+      },
+    });
+  }
+
+  dependentRefund(tx: Tx, userId: string, originalExpenseId: string) {
+    return tx.bankCardOperation.findFirst({
+      where: { userId, originalExpenseId, deletedAt: null },
+    });
+  }
+
+  async operationViewData(tx: Tx, userId: string, rows: BankCardOperation[]) {
+    const cardIds = new Set(rows.flatMap((row) =>
+      [row.cardId, row.targetCardId].filter((id): id is string => id !== null),
+    ));
+    const sourceIds = new Set(rows.flatMap((row) =>
+      row.originalExpenseId ? [row.originalExpenseId] : [],
+    ));
+    const [cards, sources] = await Promise.all([
+      tx.bankCard.findMany({ where: { userId, id: { in: [...cardIds] } } }),
+      tx.bankCardOperation.findMany({ where: { userId, id: { in: [...sourceIds] } } }),
+    ]);
+    const categoryIds = new Set(rows.map((row) =>
+      sources.find((source) => source.id === row.originalExpenseId)?.categoryId ?? row.categoryId,
+    ).filter((id): id is string => id !== null));
+    const expenseIds = new Set(rows.flatMap((row) => {
+      const source = sources.find((item) => item.id === row.originalExpenseId);
+      return row.kind === BankOperationKind.Expense || source ? [source?.id ?? row.id] : [];
+    }));
+    const [categories, refunds] = await Promise.all([
+      tx.expenseCategory.findMany({ where: { userId, id: { in: [...categoryIds] } } }),
+      tx.bankCardOperation.findMany({
+        where: { userId, originalExpenseId: { in: [...expenseIds] }, deletedAt: null },
+      }),
+    ]);
+    return { cards, sources, categories, refunds };
+  }
+
+  async operationPage(
+    tx: Tx,
+    userId: string,
+    id: string,
+    period: undefined | { from: string; to: string },
+    limit: number,
+    page: number,
+  ) {
+    const where: Prisma.BankCardOperationWhereInput = {
+      userId,
+      deletedAt: null,
+      OR: [{ cardId: id }, { targetCardId: id }],
+      ...(period
+        ? { date: { gte: period.from, lte: period.to } }
+        : { kind: BankOperationKind.Expense }),
+    };
+    const total = await tx.bankCardOperation.count({ where });
+    const rows = await tx.bankCardOperation.findMany({
+      where,
+      orderBy: [{ date: 'desc' }, { createdAt: 'desc' }, { id: 'desc' }],
+      skip: (page - FIRST_PAGE) * limit,
+      take: limit,
+    });
+    return { total, rows };
+  }
+
+  cardById(tx: Tx, id: string) {
+    return tx.bankCard.findUnique({ where: { id } });
+  }
+
+  createCard(tx: Tx, data: Prisma.BankCardUncheckedCreateInput) {
+    return tx.bankCard.create({ data });
+  }
+
+  async updateCard(
+    tx: Tx,
+    userId: string,
+    id: string,
+    version: number,
+    data: Prisma.BankCardUpdateManyMutationInput,
+  ) {
+    const changed = await tx.bankCard.updateMany({
+      where: { id, userId, version },
+      data,
+    });
+    if (changed.count !== EXPECTED_UPDATED_CARDS) conflict();
+    return this.card(tx, userId, id);
+  }
+
+  hasOperationsBefore(tx: Tx, userId: string, id: string, openingDate: string) {
+    return tx.bankCardOperation.findFirst({
+      where: {
+        userId,
+        deletedAt: null,
+        date: { lt: openingDate },
+        OR: [{ cardId: id }, { targetCardId: id }],
+      },
+    });
+  }
+
+  async categories(userId: string) {
+    return (
+      await this.prisma.expenseCategory.findMany({
+        where: { userId },
+        orderBy: [{ name: 'asc' }, { id: 'asc' }],
+      })
+    ).map(({ id, name, seedKey, version }) => ({
+      id,
+      name,
+      isDefault: seedKey === 'other',
+      version,
+    }));
+  }
+
+  createCategory(userId: string, label: string) {
+    return this.write(async (tx) => {
+      await this.seed(tx, userId);
+      const row = await tx.expenseCategory.create({
+        data: {
+          id: randomUUID(),
+          userId,
+          name: label,
+          nameKey: label.toLocaleLowerCase('ru-RU'),
+        },
+      });
+      return {
+        id: row.id,
+        name: row.name,
+        isDefault: false,
+        version: row.version,
+      };
+    });
+  }
+
+  updateCategory(userId: string, id: string, label: string, version: number) {
+    return this.write(async (tx) => {
+      const row = await tx.expenseCategory.findFirst({ where: { id, userId } });
+      if (!row) missing();
+      if (
+        (
+          await tx.expenseCategory.updateMany({
+            where: { id, userId, version },
+            data: {
+              name: label,
+              nameKey: label.toLocaleLowerCase('ru-RU'),
+              version: { increment: 1 },
+            },
+          })
+        ).count !== EXPECTED_UPDATED_CATEGORIES
+      ) {
+        conflict();
+      }
+      return {
+        id,
+        name: label,
+        isDefault: row.seedKey === 'other',
+        version: version + VERSION_INCREMENT,
+      };
+    });
+  }
+
   async write<T>(run: (tx: Tx) => Promise<T>): Promise<T> {
     for (let attempt = INITIAL_RETRY_COUNT; ; attempt++) {
       try {
diff --git a/test/eslint-config.cjs b/test/eslint-config.cjs
index 4a8b9d1..69fb37b 100644
--- a/test/eslint-config.cjs
+++ b/test/eslint-config.cjs
@@ -102,6 +102,7 @@ test('architecture imports enforce direct boundaries without banning DTOs or pur
     [controller, 'import { PrismaService } from "../../../prisma/prisma.service";'],
     [controller, 'import { TbankClient } from "../../../integrations/tbank/tbank.api";'],
     [useCase, 'import { PrismaService } from "../../../../prisma/prisma.service";'],
+    ['src/modules/banking/bank-cards/application/bank-cards.service.ts', 'import { PrismaService } from "../../../../prisma/prisma.service";'],
   ]) {
     const [result] = await eslint.lintText(code, { filePath });
     assert.equal(result.fatalErrorCount, 0);
@@ -113,7 +114,7 @@ test('architecture imports enforce direct boundaries without banning DTOs or pur
     [controller, 'import { AuthService } from "../application/auth.service";'],
     [useCase, 'import { BankCardsRepository } from "../infrastructure/bank-cards.repository";'],
     [useCase, 'import { BankSummaryQueryDto } from "../presentation/bank-card.dto";'],
-    ['src/modules/banking/bank-cards/application/bank-cards.service.ts', 'import { PrismaService } from "../../../../prisma/prisma.service";'],
+    ['src/modules/banking/bank-cards/application/bank-cards.service.ts', 'import type { Prisma } from "../../../../../generated/prisma/client";'],
   ]) {
     const [result] = await eslint.lintText(code, { filePath });
     assert.equal(result.fatalErrorCount, 0);