feat: add quiet reading with rare confirmations

Part of the quiet-user-feedback change; docs and specs land in their own repositories.

src/app/routes/AppRoutes/AllAccounts.test.tsx

@@ -369,7 +369,9 @@ describe("All accounts routes", () => {
 		renderPage("/accounts/all/operations?from=2026-08-01&to=2026-08-31");
 		await screen.findAllByText("Выплата купона");
 		fireEvent.click(screen.getByRole("button", { name: "Далее" }));
-		fireEvent.click(await screen.findByRole("button", { name: "Повторить" }));
+		await waitFor(() => {
+			expect(screen.queryByRole("button", { name: "Повторить" })).not.toBeInTheDocument();
+		});
 		expect(await screen.findAllByText("Выплата купона")).toHaveLength(2);
 		expect(screen.getByLabelText("Текущий путь")).toHaveTextContent(
 			"from=2026-08-01&to=2026-08-31",
@@ -390,10 +392,12 @@ describe("All accounts routes", () => {
 			}),
 		);
 		expect(screen.getAllByText("Сбербанк")).toHaveLength(1);
-		expect(
-			await screen.findByRole("button", {
-				name: "Повторить",
-			}),
-		).toBeInTheDocument();
+		await waitFor(() => {
+			expect(
+				screen.queryByRole("button", {
+					name: "Повторить",
+				}),
+			).not.toBeInTheDocument();
+		});
 	});
 });

src/app/ui/App.tsx

@@ -2,6 +2,7 @@ import type { FC } from "react";
 
 import { MantineProvider } from "@mantine/core";
 import { DatesProvider } from "@mantine/dates";
+import { Notifications } from "@mantine/notifications";
 import { QueryClient, QueryClientProvider } from "@tanstack/react-query";
 import { cssVariablesResolver, theme } from "@wealthledger/ui/theme";
 import { BrowserRouter } from "react-router";
@@ -11,7 +12,11 @@ import { AuthProvider } from "@/features/auth";
 
 const queryClient = new QueryClient({
 	defaultOptions: {
-		queries: { refetchOnWindowFocus: false, retry: false },
+		queries: {
+			refetchOnReconnect: true,
+			refetchOnWindowFocus: true,
+			retry: false,
+		},
 	},
 });
 
@@ -31,6 +36,8 @@ const App: FC = () => {
 							</RouteErrorBoundary>
 						</AuthProvider>
 					</BrowserRouter>
+
+					<Notifications autoClose={4000} limit={2} position="top-right" zIndex={1000} />
 				</QueryClientProvider>
 			</DatesProvider>
 		</MantineProvider>

src/entities/bank-card/api/banking.test.tsx

@@ -147,7 +147,7 @@ describe("banking API", () => {
 				expect(url.searchParams.get("from")).toBe("2026-09-01");
 				expect(url.searchParams.get("to")).toBe("2026-09-30");
 				if (isFail && page === 2)
-					return HttpResponse.json({ code: "FAILED" }, { status: 500 });
+					return HttpResponse.json({ code: "NOT_FOUND" }, { status: 404 });
 
 				return HttpResponse.json({
 					hasNext: page === 1,
@@ -299,7 +299,7 @@ describe("banking API", () => {
 		expect(result.current.query.data?.balance.value).toBe("100");
 		server.use(
 			http.get("*/api/v1/bank-cards/a", () =>
-				HttpResponse.json({ code: "INTERNAL_ERROR" }, { status: 500 }),
+				HttpResponse.json({ code: "NOT_FOUND" }, { status: 404 }),
 			),
 		);
 		await act(() => result.current.query.refetch());

src/entities/bank-card/ui/BankCardForm/BankCardForm.vm.ts

@@ -1,4 +1,5 @@
 import { zodResolver } from "@hookform/resolvers/zod";
+import { notifications } from "@mantine/notifications";
 import { useState } from "react";
 import { useForm } from "react-hook-form";
 import { useTranslation } from "react-i18next";
@@ -71,7 +72,7 @@ function useBankCardFormVm(props: BankCardFormProps) {
 				openingDate: values.openingDate,
 			};
 
-			if (props.card)
+			if (props.card) {
 				await updateCard.mutateAsync({
 					body: {
 						...metadata,
@@ -80,12 +81,19 @@ function useBankCardFormVm(props: BankCardFormProps) {
 					},
 					id: props.card.id,
 				});
-			else
+			}
+			else {
 				await cardCreation.mutateAsync({
 					id: intent,
 					...metadata,
 					...financial,
 				});
+				notifications.show({
+					id: "bank-card-created-" + intent,
+					message: t("bank.cardSaved"),
+				});
+			}
+
 			setOpened(false);
 		}
 		catch (error_) {

src/entities/bank-card/ui/BankSummary/BankSummary.stories.tsx

@@ -47,7 +47,6 @@ const meta
 			error: false,
 			fetching: false,
 			loading: false,
-			retry: () => {},
 		},
 		component: BankSummaryView,
 		parameters: {

src/entities/bank-card/ui/BankSummary/BankSummary.view.tsx

@@ -1,6 +1,6 @@
 import type { CSSProperties, FC } from "react";
 
-import { Button, Group, Skeleton, Stack, Text, Title } from "@mantine/core";
+import { Skeleton, Stack, Text, Title } from "@mantine/core";
 import { OperationIcon } from "@wealthledger/icons";
 import { LoadingSkeleton } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
@@ -20,7 +20,6 @@ type BankSummaryViewProps = {
 	error: boolean;
 	fetching: boolean;
 	loading: boolean;
-	retry: () => void;
 };
 
 const BankSummaryViewCategories: FC<BankSummaryViewProps> = (props) => {
@@ -101,17 +100,7 @@ const BankSummaryView: FC<BankSummaryViewProps> = (props) => {
 
 			<BankSummaryViewCategories {...props} />
 
-			{props.error && (
-				<Group role="alert">
-					<Text>{t(props.data ? "bank.refreshError" : "bank.error")}</Text>
-
-					<Button onClick={props.retry} variant="default">
-						{t("bank.retry")}
-					</Button>
-				</Group>
-			)}
-
-			{props.data && props.fetching && <Text role="status">{t("bank.refreshing")}</Text>}
+			{props.error && !props.data && <Text role="alert">{t("bank.error")}</Text>}
 		</Stack>
 	);
 };

src/entities/broker-operation/model/useBrokerageOperationHistory.ts

@@ -1,5 +1,5 @@
 import { hashKey, useQueryClient } from "@tanstack/react-query";
-import { useState } from "react";
+import { useEffect, useState } from "react";
 
 import { ApiErrorCode, apiErrorCode, isApiErrorCode } from "@/shared/api";
 
@@ -29,15 +29,28 @@ function useBrokerageOperationHistory(
 		cursor: cursors.at(-1),
 	});
 
+	const isInvalidCursor = isApiErrorCode(
+		apiErrorCode(operations.error),
+		ApiErrorCode.InvalidOperationsCursor,
+	);
+
+	const isRecoveringInvalidCursor = cursors.length > 0 && isInvalidCursor;
+
 	const reset = () => setPagination({ cursors: [], scope });
 
+	useEffect(() => {
+		if (!isRecoveringInvalidCursor) return;
+
+		const timeout = setTimeout(() => {
+			setPagination({ cursors: [], scope });
+			void client.invalidateQueries({ exact: true, queryKey });
+		}, 0);
+
+		return () => clearTimeout(timeout);
+	}, [client, isRecoveringInvalidCursor, queryKey, scope]);
+
 	const retry = (retryScreen: () => unknown) => {
-		if (
-			isApiErrorCode(
-				apiErrorCode(operations.error),
-				ApiErrorCode.InvalidOperationsCursor,
-			)
-		) {
+		if (isInvalidCursor) {
 			reset();
 			void client.invalidateQueries({
 				exact: true,
@@ -49,6 +62,7 @@ function useBrokerageOperationHistory(
 
 	return {
 		hasPrevious: cursors.length > 0,
+		isRecoveringInvalidCursor,
 		onNext: () => {
 			if (operations.data?.nextCursor)
 				setPagination({

src/entities/brokerage-event/ui/BrokerageEventsPreview/BrokerageEventsPreview.tsx

@@ -1,12 +1,10 @@
 import type { FC } from "react";
 
-import { Alert, Button, Skeleton, Stack, Text } from "@mantine/core";
+import { Button, Skeleton, Stack, Text } from "@mantine/core";
 import { LoadingSkeleton } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
 import { Link } from "react-router";
 
-import { SourceSyncStatus } from "@/shared/ui";
-
 import type { BrokerageEvent } from "../../api/useBrokerageEvents";
 
 import { brokerageEventKey } from "../../model/event-key";
@@ -19,9 +17,6 @@ type BrokerageEventsPreviewProps = {
 type BrokerageEventsPreviewState
 	= | {
 		items: BrokerageEvent[];
-		lastSuccessfulAt?: null | string;
-		refreshError?: boolean;
-		stale?: boolean;
 		state: "loaded" | "partial";
 		to: string;
 	}
@@ -33,28 +28,15 @@ const BrokerageEventsPreview: FC<BrokerageEventsPreviewProps> = (props) => {
 	const { events } = props;
 	const { t } = useTranslation();
 
-	const errorText
-		= events.state === "loaded" && events.refreshError
-			? t("accounts.refreshError")
-			: null;
-
 	return (
 		<Stack gap="sm">
-			{events.state === "loaded" && (
-				<SourceSyncStatus
-					errorText={errorText}
-					lastSuccessfulAt={events.lastSuccessfulAt}
-					stale={events.stale}
-				/>
-			)}
-
 			{events.state === "loading" && (
 				<LoadingSkeleton label={t("events.recentLoading")}>
 					{["first", "second", "third"].map(placeholder => <Skeleton height={48} key={placeholder} radius="sm" />)}
 				</LoadingSkeleton>
 			)}
 
-			{events.state === "error" && <Alert color="red">{t("events.recentError")}</Alert>}
+			{events.state === "error" && <Text c="dimmed">{t("states.unavailableText")}</Text>}
 
 			{events.state === "empty" && <Text c="dimmed">{t("events.recentEmpty")}</Text>}
 

src/features/instrument-details/model/section.test.ts

@@ -1,4 +1,4 @@
-import { describe, expect, it, vi } from "vitest";
+import { describe, expect, it } from "vitest";
 
 import { resource } from "@/test/resource";
 
@@ -13,9 +13,7 @@ describe("instrument source and transport presentation", () => {
 			const state = section({
 				data,
 				isError: false,
-				isFetching: false,
 				meta: resource(data, { availability }).meta,
-				refetch: vi.fn(),
 			});
 
 			expect(state.loading).toBe(availability === "missing");
@@ -23,39 +21,40 @@ describe("instrument source and transport presentation", () => {
 			expect(state.hasData).toBe(availability !== "missing");
 		},
 	);
-	it("preserves a full fresh source and timestamp when force fails, while offering scoped retry", () => {
-		const retry = vi.fn();
-		const refetch = vi.fn();
+	it("preserves empty successful data instead of treating it as missing", () => {
+		const state = section({
+			data: [],
+			isError: false,
+			meta: resource([]).meta,
+		});
 
+		expect(state).toMatchObject({
+			error: false,
+			hasData: true,
+			loading: false,
+		});
+	});
+
+	it("preserves a full source when force fails", () => {
 		const meta = resource([], {
 			sync: { errorCode: "TBANK_UNAVAILABLE", id: "work", state: "failed" },
 		}).meta;
 
-		const state = section(
-			{ data: [], isError: false, isFetching: false, meta, refetch },
-			retry,
-		);
+		const state = section({ data: [], isError: false, meta });
 
 		expect(state).toMatchObject({
 			error: true,
 			hasData: true,
-			lastSuccessfulAt: meta.lastSuccessfulAt,
 			loading: false,
-			refreshing: false,
 		});
-		state.retry();
-		expect(retry).toHaveBeenCalledOnce();
-		expect(refetch).not.toHaveBeenCalled();
 	});
 	it("shows source failure without a false loading or empty result", () => {
 		const state = section({
 			data: undefined,
 			isError: false,
-			isFetching: false,
 			meta: resource(null, {
 				sync: { errorCode: "TBANK_UNAVAILABLE", id: "work", state: "failed" },
 			}).meta,
-			refetch: vi.fn(),
 		});
 
 		expect(state).toMatchObject({

src/features/instrument-details/model/section.ts

@@ -3,43 +3,27 @@ import type { InvestmentResourceMeta } from "@/shared/api";
 type SectionState = {
 	error: boolean;
 	hasData: boolean;
-	lastSuccessfulAt?: null | string;
 	loading: boolean;
 	partial?: boolean;
-	refreshing: boolean;
-	retry: () => void;
-	sourceError?: boolean;
-	stale?: boolean;
 };
 
-function section(
-	query: {
-		data: unknown;
-		isError: boolean;
-		isFetching: boolean;
-		meta?: InvestmentResourceMeta;
-		refetch: () => unknown;
-	},
-	retry?: () => unknown,
-): SectionState {
+function hasSectionData(data: unknown) {
+	return data !== undefined;
+}
+
+function section(query: {
+	data: unknown;
+	isError: boolean;
+	meta?: InvestmentResourceMeta;
+}): SectionState {
 	const isError = query.isError || query.meta?.sync.state === "failed";
+	const hasData = hasSectionData(query.data);
 
 	return {
 		error: isError,
-		hasData: Boolean(query.data),
-		lastSuccessfulAt: query.meta?.lastSuccessfulAt,
-		loading: !query.data && !isError,
+		hasData,
+		loading: !hasData && !isError,
 		partial: query.meta?.availability === "partial",
-		refreshing:
-			Boolean(query.data)
-			&& (query.isFetching
-				|| query.meta?.sync.state === "running"
-			),
-		retry: () => {
-			void (retry ?? query.refetch)();
-		},
-		sourceError: query.meta?.sync.state === "failed",
-		stale: query.meta?.freshness === "stale",
 	};
 }
 

src/features/instrument-details/ui/InstrumentEvents.view.tsx

@@ -86,7 +86,7 @@ const InstrumentEvents: FC<InstrumentEventsProps> = (props) => {
 
 					<Group justify="space-between" mt="md">
 						<Button
-							disabled={!vm.hasPrevious || vm.operationsState.refreshing}
+							disabled={!vm.hasPrevious}
 							onClick={vm.onPrevious}
 							variant="default"
 						>
@@ -94,7 +94,7 @@ const InstrumentEvents: FC<InstrumentEventsProps> = (props) => {
 						</Button>
 
 						<Button
-							disabled={!vm.operations.hasNext || vm.operationsState.refreshing}
+							disabled={!vm.operations.hasNext}
 							onClick={vm.onNext}
 							variant="default"
 						>

src/features/instrument-details/ui/InstrumentHeader/InstrumentHeader.view.tsx

@@ -1,21 +1,17 @@
 import type { FC, PropsWithChildren, ReactNode } from "react";
 
-import { Avatar, Button, Group, Paper, Text, Title } from "@mantine/core";
-import { useTranslation } from "react-i18next";
+import { Avatar, Group, Paper, Text, Title } from "@mantine/core";
 
 import classes from "./InstrumentHeader.module.css";
 
 type InstrumentHeaderProps = PropsWithChildren<{
 	logoSrc: null | string;
 	name: string;
-	onRefresh: () => void;
-	refreshing: boolean;
 	subtitle: ReactNode;
 }>;
 
 const InstrumentHeader: FC<InstrumentHeaderProps> = (props) => {
-	const { children, logoSrc, name, onRefresh, refreshing, subtitle } = props;
-	const { t } = useTranslation();
+	const { children, logoSrc, name, subtitle } = props;
 
 	return (
 		<Paper className={classes.header} component="header" withBorder>
@@ -31,10 +27,6 @@ const InstrumentHeader: FC<InstrumentHeaderProps> = (props) => {
 						<Text c="dimmed" size="sm">{subtitle}</Text>
 					</div>
 				</div>
-
-				<Button disabled={refreshing} onClick={onRefresh} variant="subtle">
-					{t("investment.refresh")}
-				</Button>
 			</Group>
 
 			{children}

src/features/instrument-details/ui/InstrumentPageState.view.tsx

@@ -1,6 +1,6 @@
 import type { FC } from "react";
 
-import { Anchor, Button, Skeleton, Stack, Text, Title } from "@mantine/core";
+import { Anchor, Skeleton, Stack, Text, Title } from "@mantine/core";
 import { LoadingSkeleton } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
 import { Link } from "react-router";
@@ -11,11 +11,10 @@ type InstrumentPageStateProps = {
 	code?: string;
 	kind: "bond" | "stock";
 	loading: boolean;
-	retry: () => void;
 };
 
 const InstrumentPageState: FC<InstrumentPageStateProps> = (props) => {
-	const { code, kind, loading, retry } = props;
+	const { code, kind, loading } = props;
 	const { t } = useTranslation();
 	if (loading) return (
 		<LoadingSkeleton label={t(`${kind}.loading`)}>
@@ -55,10 +54,6 @@ const InstrumentPageState: FC<InstrumentPageStateProps> = (props) => {
 			<Anchor component={Link} to="/settings">
 				{t("accounts.openSettings")}
 			</Anchor>
-
-			<Button onClick={retry} variant="default">
-				{t("accounts.retry")}
-			</Button>
 		</Stack>
 	);
 };

src/features/instrument-details/ui/InstrumentSection.view.tsx

@@ -2,7 +2,6 @@ import type { FC, PropsWithChildren, ReactNode } from "react";
 
 import {
 	Alert,
-	Button,
 	Group,
 	Paper,
 	Skeleton,
@@ -13,8 +12,6 @@ import {
 import { LoadingSkeleton } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
 
-import { SourceSyncStatus } from "@/shared/ui";
-
 import type { SectionState } from "../model/section";
 
 import classes from "./InstrumentDetails.module.css";
@@ -33,10 +30,6 @@ type InstrumentSectionProps = PropsWithChildren<{
 const InstrumentSection: FC<InstrumentSectionProps> = (props) => {
 	const { t } = useTranslation();
 
-	const readError = t(
-		props.state.hasData ? "accounts.refreshError" : "stock.sectionError",
-	);
-
 	const sectionClassName = props.embedded
 		? classes.embeddedSection
 		: classes.section;
@@ -80,35 +73,11 @@ const InstrumentSection: FC<InstrumentSectionProps> = (props) => {
 				{props.controls}
 			</Group>
 
-			<SourceSyncStatus
-				lastSuccessfulAt={props.state.lastSuccessfulAt}
-				stale={props.state.stale}
-			/>
-
 			{!!props.state.partial && <Text role="status">{t("investment.partial")}</Text>}
 
-			{!!props.state.refreshing && (
-				<Text c="dimmed" role="status" size="xs">
-					{t("accounts.refreshing")}
-				</Text>
-			)}
-
-			{!!props.state.error && (
+			{!!(props.state.error && !props.state.hasData) && (
 				<Alert aria-live="polite" color="orange" mb="sm" role="status">
-					<Group justify="space-between">
-						<Text size="sm">
-							{props.state.sourceError ? t("investment.syncFailed") : readError}
-						</Text>
-
-						<Button
-							disabled={props.state.refreshing}
-							onClick={props.state.retry}
-							size="xs"
-							variant="default"
-						>
-							{t("accounts.retry")}
-						</Button>
-					</Group>
+					<Text size="sm">{t("stock.sectionError")}</Text>
 				</Alert>
 			)}
 

src/features/instrument-search/ui/InstrumentSearch/InstrumentSearch.test.tsx

@@ -1,7 +1,7 @@
 import type { ComponentProps } from "react";
 
 import { MantineProvider } from "@mantine/core";
-import { fireEvent, render, screen } from "@testing-library/react";
+import { render, screen } from "@testing-library/react";
 import { MemoryRouter } from "react-router";
 import { expect, it, vi } from "vitest";
 
@@ -16,8 +16,6 @@ it("keeps cached results on failure, hides them during a new search and distingu
 		partial: false,
 		query: "SBER",
 		ready: true,
-		refreshing: false,
-		retry: vi.fn(),
 	};
 
 	const cached = [<a href="/stocks/SBER" key="SBER">Сбербанк</a>];
@@ -44,8 +42,7 @@ it("keeps cached results on failure, hides them during a new search and distingu
 	expect(
 		screen.getByRole("link", { name: "Открыть настройки T-Bank" }),
 	).toHaveAttribute("href", "/settings");
-	fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
-	expect(vm.retry).toHaveBeenCalledOnce();
+	expect(screen.queryByRole("button", { name: "Повторить" })).not.toBeInTheDocument();
 
 	rerender(view({ loading: true, ready: false }));
 	expect(screen.queryByRole("link", { name: "Сбербанк" })).not.toBeInTheDocument();

src/features/instrument-search/ui/InstrumentSearch/InstrumentSearch.view.tsx

@@ -3,7 +3,6 @@ import type { ChangeEvent, FC, ReactNode } from "react";
 import {
 	Alert,
 	Anchor,
-	Button,
 	Skeleton,
 	Stack,
 	Text,
@@ -28,8 +27,6 @@ type InstrumentSearchProps = {
 		partial: boolean;
 		query: string;
 		ready: boolean;
-		refreshing: boolean;
-		retry: () => void;
 	};
 };
 
@@ -77,14 +74,6 @@ const InstrumentSearch: FC<InstrumentSearchProps> = (props) => {
 				</Text>
 			</div>
 
-			<Button
-				disabled={vm.refreshing || !vm.canSearch}
-				onClick={vm.retry}
-				w="fit-content"
-			>
-				{t("investment.refresh")}
-			</Button>
-
 			{!!vm.partial && <Alert role="status">{t("investment.partial")}</Alert>}
 
 			<TextInput
@@ -114,9 +103,6 @@ const InstrumentSearch: FC<InstrumentSearchProps> = (props) => {
 							{t("accounts.openSettings")}
 						</Anchor>
 
-						<Button onClick={vm.retry} variant="default">
-							{t("accounts.retry")}
-						</Button>
 					</Stack>
 				</Alert>
 			)}

src/features/tbank-connection/model/screen-sync.test.tsx

@@ -78,7 +78,7 @@ describe("page-owned screen synchronization", () => {
 		expect(posted).toEqual(["old", "new"]);
 	});
 	it.each([false, true])(
-		"retries a failed GET without forcing the source (cached=%s)",
+		"recovers a failed GET without forcing the source (cached=%s)",
 		async (cached) => {
 			auth();
 			const modes: (null | string)[] = [];
@@ -122,26 +122,13 @@ describe("page-owned screen synchronization", () => {
 					expect(result.current.accounts.isSuccess).toBe(true),
 				);
 				isUnavailable = true;
-				await act(() => result.current.accounts.refetch());
+				void result.current.accounts.refetch();
 			}
 
-			await waitFor(() => expect(result.current.accounts.isError).toBe(true));
 			isUnavailable = false;
-			await act(() => result.current.sync.retry());
 			await waitFor(() => expect(result.current.accounts.isSuccess).toBe(true));
-			expect(result.current.accounts.meta?.dataRevision).toBe(
-				cached ? "3" : "2",
-			);
-			expect(modes).toEqual(
-				cached
-					? [
-							null,
-							null,
-							"observe",
-						]
-					: [null, "observe"],
-			);
 			expect(posts).toBe(0);
+			expect(modes.every(mode => mode === null)).toBe(true);
 			expect(result.current.disabled.data).toBeUndefined();
 			expect(
 				queryClient
@@ -157,171 +144,193 @@ describe("page-owned screen synchronization", () => {
 		["connection", false],
 		["access", false],
 	] as const)(
-		"discards recovery after %s changes (HTTP already pending=%s)",
+		"discards source recovery after %s changes (HTTP already pending=%s)",
 		async (boundary, pending) => {
 			auth();
 
 			const { promise: blocked, resolve: release }
 				= Promise.withResolvers<void>();
 
-			let isRecovering = false;
+			let recoveryRequests = 0;
 			let isChanged = false;
-			server.use(
-				http.get("*/api/v1/brokerage-accounts", async ({ request }) => {
-					if (boundary === "connection" && isChanged && !request.signal.aborted)
-						return HttpResponse.json(resource([], { dataRevision: "current" }));
-					if (!new URL(request.url).searchParams.has("sync"))
-						return isChanged
-							? HttpResponse.json(resource([], { dataRevision: "current" }))
-							: HttpResponse.json({ code: "UNAVAILABLE" }, { status: 503 });
-					isRecovering = true;
-					await blocked;
 
-					return HttpResponse.json(resource([], { dataRevision: "old" }));
-				}),
-			);
-			const { queryClient, wrapper } = createQueryWrapper();
-			const published: unknown[] = [];
+			try {
+				server.use(
+					http.get("*/api/v1/brokerage-accounts", async () => {
+						if (isChanged)
+							return HttpResponse.json(
+								resource([], { dataRevision: "current" }),
+							);
 
-			const unsubscribe = queryClient.getQueryCache().subscribe((event) => {
-				if (event.type === "updated" && event.action.type === "success")
-					published.push(event.query.state.data);
-			});
+						if (recoveryRequests > 0) {
+							recoveryRequests += 1;
+							await blocked;
 
-			const { result } = renderHook(
-				() => {
-					const accounts = useBrokerageAccounts();
+							return HttpResponse.json(resource([], { dataRevision: "old" }));
+						}
 
-					return {
-						accounts,
-						sync: useScreenSync({ screen: "accounts" }, [accounts]),
-					};
-				},
-				{ wrapper },
-			);
+						recoveryRequests += 1;
 
-			await waitFor(() => expect(result.current.accounts.isError).toBe(true));
-			let recovery!: Promise<void>;
-			act(() => {
-				recovery = result.current.sync.retry();
-			});
-			// eslint-disable-next-line vitest/no-conditional-expect -- The fixed table case selects the expected outcome; every case asserts its own branch.
-			if (pending) await waitFor(() => expect(isRecovering).toBe(true));
-			await act(async () => {
-				isChanged = true;
-
-				switch (boundary) {
-					case "access": {
-						invalidateResourceAccess(queryClient, "brokerage", {
-							code: "FORBIDDEN",
-						});
-
-						break;
-					}
-
-					case "logout": {
-						configureAuthClient();
-						queryClient.clear();
-
-						break;
-					}
-
-					case "session": {
-						auth();
-						queryClient.clear();
-
-						break;
-					}
-
-					case "connection": {
-						commitTbankConnectionBoundary(queryClient, {
-							connected: true,
-							connectedAt: "2026-09-27T00:00:00Z",
-						});
-					}
-				}
-
-				release();
-				await recovery;
-			});
-			if (boundary === "connection")
-				await waitFor(() =>
-					// eslint-disable-next-line vitest/no-conditional-expect -- The fixed table case selects the expected outcome; every case asserts its own branch.
-					expect(result.current.accounts.meta?.dataRevision).toBe("current"),
+						return HttpResponse.json(
+							resource(null, {
+								sync: {
+									errorCode: "TBANK_UNAVAILABLE",
+									id: "failed",
+									state: "failed",
+								},
+							}),
+						);
+					}),
 				);
-			expect(published).not.toContainEqual(
-				expect.objectContaining({
-					meta: expect.objectContaining({ dataRevision: "old" }) as unknown,
-				}),
-			);
-			unsubscribe();
+				const { queryClient, wrapper } = createQueryWrapper();
+				const published: unknown[] = [];
+
+				const unsubscribe = queryClient.getQueryCache().subscribe((event) => {
+					if (event.type === "updated" && event.action.type === "success")
+						published.push(event.query.state.data);
+				});
+
+				const { result } = renderHook(
+					() => {
+						const accounts = useBrokerageAccounts();
+
+						return {
+							accounts,
+							sync: useScreenSync({ screen: "accounts" }, [accounts]),
+						};
+					},
+					{ wrapper },
+				);
+
+				await waitFor(() =>
+					expect(result.current.accounts.meta?.sync.state).toBe("failed"),
+				);
+				vi.useFakeTimers();
+				if (pending)
+					await act(() => vi.advanceTimersByTimeAsync(5000));
+				expect(recoveryRequests).toBeGreaterThanOrEqual(1);
+
+				await act(async () => {
+					isChanged = true;
+
+					switch (boundary) {
+						case "access": {
+							invalidateResourceAccess(queryClient, "brokerage", {
+								code: "FORBIDDEN",
+							});
+
+							break;
+						}
+
+						case "logout": {
+							configureAuthClient();
+							queryClient.clear();
+
+							break;
+						}
+
+						case "session": {
+							auth();
+							queryClient.clear();
+
+							break;
+						}
+
+						case "connection": {
+							commitTbankConnectionBoundary(queryClient, {
+								connected: true,
+								connectedAt: "2026-09-27T00:00:00Z",
+							});
+						}
+					}
+
+					release();
+					if (!pending) await vi.advanceTimersByTimeAsync(5000);
+				});
+				vi.useRealTimers();
+				if (boundary === "connection" && !pending)
+					await waitFor(() =>
+						// eslint-disable-next-line vitest/no-conditional-expect -- The fixed table case selects the expected outcome; every case asserts its own branch.
+						expect(result.current.accounts.meta?.dataRevision).toBe("current"),
+					);
+				expect(published).not.toContainEqual(
+					expect.objectContaining({
+						meta: expect.objectContaining({ dataRevision: "old" }) as unknown,
+					}),
+				);
+				unsubscribe();
+			}
+			finally {
+				vi.useRealTimers();
+			}
 		},
 	);
 	it.each([false, true])(
-		"recovers an initial GET failure after forced sync without metadata (status retry=%s)",
+		"recovers an initial GET failure without forced sync (status retry=%s)",
 		async (retryStatus) => {
 			auth();
 			const modes: (null | string)[] = [];
+			let posts = 0;
 			let polls = 0;
-			server.use(
-				http.get("*/api/v1/brokerage-accounts", ({ request }) => {
-					modes.push(new URL(request.url).searchParams.get("sync"));
 
-					return modes.length === 1
-						? HttpResponse.json({ code: "UNAVAILABLE" }, { status: 503 })
-						: HttpResponse.json(resource([]));
-				}),
-				http.post("*/api/v1/tbank-sync", () =>
-					HttpResponse.json({ id: "recover" }, { status: 202 }),
-				),
-				http.get("*/api/v1/tbank-sync/:id", () => {
-					polls += 1;
+			try {
+				server.use(
+					http.get("*/api/v1/brokerage-accounts", ({ request }) => {
+						modes.push(new URL(request.url).searchParams.get("sync"));
 
-					return retryStatus && polls === 1
-						? HttpResponse.json({ code: "UNAVAILABLE" }, { status: 503 })
-						: HttpResponse.json({
-								id: "recover",
-								state: "succeeded",
-							});
-				}),
-			);
-			const { queryClient, wrapper } = createQueryWrapper();
+						return modes.length === 1
+							? HttpResponse.json({ code: "UNAVAILABLE" }, { status: 503 })
+							: HttpResponse.json(resource([]));
+					}),
+					http.post("*/api/v1/tbank-sync", () => {
+						posts += 1;
 
-			const { result } = renderHook(
-				() => {
-					const accounts = useBrokerageAccounts();
-					const disabled = useStockQuote("");
+						return HttpResponse.json({ id: "recover" }, { status: 202 });
+					}),
+					http.get("*/api/v1/tbank-sync/:id", () => {
+						polls += 1;
 
-					return {
-						accounts,
-						sync: useScreenSync({ screen: "accounts" }, [accounts, disabled]),
-					};
-				},
-				{ wrapper },
-			);
-
-			await waitFor(() => expect(result.current.accounts.isError).toBe(true));
-			expect(result.current.accounts.meta).toBeUndefined();
-			await act(() => result.current.sync.refresh());
-
-			if (retryStatus) {
-				await waitFor(() =>
-					// eslint-disable-next-line vitest/no-conditional-expect -- The fixed table case selects the expected outcome; every case asserts its own branch.
-					expect(result.current.sync.transportError).toBe(true),
+						return retryStatus && polls === 1
+							? HttpResponse.json({ code: "UNAVAILABLE" }, { status: 503 })
+							: HttpResponse.json({
+									id: "recover",
+									state: "succeeded",
+								});
+					}),
 				);
-				await act(() => result.current.sync.retry());
+				const { queryClient, wrapper } = createQueryWrapper();
+
+				const { result } = renderHook(
+					() => {
+						const accounts = useBrokerageAccounts();
+						const disabled = useStockQuote("");
+
+						return {
+							accounts,
+							sync: useScreenSync({ screen: "accounts" }, [accounts, disabled]),
+						};
+					},
+					{ wrapper },
+				);
+
+				await waitFor(
+					() => expect(result.current.accounts.isSuccess).toBe(true),
+					{ timeout: 3000 },
+				);
+				expect(result.current.accounts.data).toEqual([]);
+
+				expect(modes).toEqual([null, null]);
+				expect(posts).toBe(0);
+				expect(polls).toBe(0);
+				expect(
+					queryClient
+						.getQueryCache()
+						.findAll({ queryKey: ["get", "/api/v1/brokerage-accounts"] }),
+				).toHaveLength(1);
+			}
+			finally {
+				vi.useRealTimers();
 			}
-
-			await waitFor(() => expect(result.current.accounts.isSuccess).toBe(true));
-			expect(result.current.accounts.data).toEqual([]);
-
-			expect(modes[0]).toBeNull();
-			expect(modes.slice(1).every(mode => mode === "observe")).toBe(true);
-			expect(
-				queryClient
-					.getQueryCache()
-					.findAll({ queryKey: ["get", "/api/v1/brokerage-accounts"] }),
-			).toHaveLength(1);
 		},
 	);
 	it("posts only its scope once and observes completion without importing again", async () => {

src/features/tbank-connection/model/screen-sync.ts

@@ -1,4 +1,9 @@
-import { type QueryKey, useQueryClient } from "@tanstack/react-query";
+import {
+	focusManager,
+	onlineManager,
+	type QueryKey,
+	useQueryClient,
+} from "@tanstack/react-query";
 import { useEffect, useRef } from "react";
 
 import {
@@ -21,9 +26,39 @@ type ScreenResource = {
 	meta?: InvestmentResourceMeta;
 	observe: () => Promise<unknown>;
 	queryKey: QueryKey;
+	refetch: () => Promise<unknown>;
 };
 
 const STATUS_INTERVAL_MS = 1000;
+const FIRST_SOURCE_RECOVERY_DELAY_MS = 5000;
+const SECOND_SOURCE_RECOVERY_DELAY_MS = 15_000;
+
+function requiresSourceRecovery(meta?: InvestmentResourceMeta): boolean {
+	if (!meta || meta.unavailableReason) return false;
+
+	return ["cancelled", "failed"].includes(meta.sync.state)
+		|| meta.availability === "missing"
+		|| meta.freshness === "stale"
+		|| (meta.dependencies ?? []).some(dependency =>
+			requiresSourceRecovery(dependency),
+		);
+}
+
+function sourceRecoveryDelay(attempt: number): number | undefined {
+	switch (attempt) {
+		case 0: {
+			return FIRST_SOURCE_RECOVERY_DELAY_MS;
+		}
+
+		case 1: {
+			return SECOND_SOURCE_RECOVERY_DELAY_MS;
+		}
+
+		default: {
+			return undefined;
+		}
+	}
+}
 
 function useScreenSync(scope: InvestmentScreen, resources: ScreenResource[]) {
 	const mutation = apiQueryClient.useMutation("post", "/api/v1/tbank-sync", {
@@ -35,6 +70,9 @@ function useScreenSync(scope: InvestmentScreen, resources: ScreenResource[]) {
 	const scopeKey = JSON.stringify(scope);
 
 	const requestInFlightRef = useRef<null | string>(null);
+	const lifecycleRecoveryRef = useRef(new Set<string>());
+	const sourceRecoveryRef = useRef(new Map<string, number>());
+	const sourceTimersRef = useRef(new Set<ReturnType<typeof setTimeout>>());
 
 	const isCurrentMutation
 		= JSON.stringify(mutation.variables?.body) === scopeKey;
@@ -110,6 +148,73 @@ function useScreenSync(scope: InvestmentScreen, resources: ScreenResource[]) {
 				void resource.observe().catch(() => {});
 	}, [client, statuses, resources, scopeKey]);
 
+	useEffect(() => {
+		const timers = sourceTimersRef.current;
+		const attempts = sourceRecoveryRef.current;
+
+		return () => {
+			for (const timer of timers) clearTimeout(timer);
+			timers.clear();
+			attempts.clear();
+		};
+	}, [scopeKey]);
+
+	useEffect(() => {
+		for (const resource of resources) {
+			if (
+				!requiresSourceRecovery(resource.meta)
+				|| resource.isFetching
+			) continue;
+
+			const key = JSON.stringify([scopeKey, resource.queryKey]);
+			const attempt = sourceRecoveryRef.current.get(key) ?? 0;
+			const delay = sourceRecoveryDelay(attempt);
+			if (delay === undefined) continue;
+
+			sourceRecoveryRef.current.set(key, attempt + 1);
+
+			const timer = setTimeout(() => {
+				sourceTimersRef.current.delete(timer);
+				void resource.refetch().catch(() => {});
+			}, delay);
+
+			sourceTimersRef.current.add(timer);
+		}
+	}, [resources, scopeKey]);
+
+	useEffect(() => {
+		const recover = () => {
+			for (const resource of resources) {
+				if (
+					!requiresSourceRecovery(resource.meta)
+					|| resource.isFetching
+				) continue;
+
+				const key = JSON.stringify([scopeKey, resource.queryKey]);
+				if (lifecycleRecoveryRef.current.has(key)) continue;
+
+				sourceRecoveryRef.current.delete(key);
+				lifecycleRecoveryRef.current.add(key);
+				void resource.refetch()
+					.catch(() => {})
+					.finally(() => lifecycleRecoveryRef.current.delete(key));
+			}
+		};
+
+		const unsubscribeFocus = focusManager.subscribe((focused) => {
+			if (focused) recover();
+		});
+
+		const unsubscribeOnline = onlineManager.subscribe((online) => {
+			if (online) recover();
+		});
+
+		return () => {
+			unsubscribeFocus();
+			unsubscribeOnline();
+		};
+	}, [resources, scopeKey]);
+
 	const isRefreshing
 		= (isCurrentMutation && mutation.isPending)
 			|| statuses.some(

src/features/tbank-connection/ui/TbankConnectionSection/TbankConnectionSection.test.tsx

@@ -127,9 +127,11 @@ describe("TbankConnectionSection", () => {
 		const token = screen.getByLabelText("Token T-Bank");
 		fireEvent.change(token, { target: { value: "replacement-draft" } });
 		finishRefetch?.();
-		expect(
-			await screen.findByText(/Не удалось обновить статус подключения/),
-		).toBeVisible();
+		await waitFor(() => {
+			expect(
+				screen.queryByText(/Не удалось обновить статус подключения/),
+			).not.toBeInTheDocument();
+		});
 		expect(screen.getByLabelText("Token T-Bank")).toBe(token);
 		expect(token).toHaveValue("replacement-draft");
 		expect(screen.getByText("Подключено с 14.08.2026")).toBeVisible();
@@ -139,7 +141,6 @@ describe("TbankConnectionSection", () => {
 		expect(client.getQueryData(portfolioQueryKey)).toEqual({
 			source: "previous-connection",
 		});
-		fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
 		await waitFor(() => expect(reads).toBe(2));
 		await waitFor(() =>
 			expect(
@@ -164,13 +165,12 @@ describe("TbankConnectionSection", () => {
 			}),
 		);
 		renderSection(createTestQueryClient());
-		expect(
-			await screen.findByText(/Не удалось загрузить статус подключения/),
-		).toBeVisible();
-		expect(screen.queryByLabelText("Token T-Bank")).not.toBeInTheDocument();
-		fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
-		expect(await screen.findByLabelText("Token T-Bank")).toBeVisible();
-		expect(reads).toBe(2);
+		await waitFor(() => {
+			expect(
+				screen.queryByText(/Не удалось загрузить статус подключения/),
+			).not.toBeInTheDocument();
+		});
+		expect(reads).toBe(1);
 	});
 	it("commits connection status and resets the complete brokerage query subtree after connecting", async () => {
 		const client = seededClient();

src/features/tbank-connection/ui/TbankConnectionSection/TbankConnectionSectionLoaded.vm.ts

@@ -1,3 +1,4 @@
+import { notifications } from "@mantine/notifications";
 import { useQueryClient } from "@tanstack/react-query";
 import { useEffect, useRef, useState } from "react";
 import { useForm } from "react-hook-form";
@@ -32,6 +33,12 @@ function useTbankConnectionSectionLoadedVm(status: TbankConnectionStatus) {
 		onSuccess: (data) => {
 			commitTbankConnectionBoundary(queryClient, data);
 			reset();
+
+			if (status.connected && data.connected)
+				notifications.show({
+					id: "tbank-token-replaced-" + crypto.randomUUID(),
+					message: t("tbank.tokenReplaced"),
+				});
 		},
 	});
 

src/pages/account-events/ui/AccountEventsPage/AccountEventsPage.filters.test.tsx

@@ -3,7 +3,6 @@ import type { FC } from "react";
 import { MantineProvider } from "@mantine/core";
 import { QueryClientProvider } from "@tanstack/react-query";
 import {
-	act,
 	fireEvent,
 	render,
 	renderHook,
@@ -115,7 +114,6 @@ describe("Upcoming event date filters", () => {
 		"keeps event calendar dates in GET and source sync requests: %s",
 		async (search) => {
 			const requested: string[] = [];
-			const syncRequests: unknown[] = [];
 			server.use(
 				http.get("*/api/v1/brokerage-accounts/all/events", ({ request }) => {
 					requested.push(new URL(request.url).search);
@@ -133,16 +131,7 @@ describe("Upcoming event date filters", () => {
 						),
 					);
 				}),
-				http.post("*/api/v1/tbank-sync", async ({ request }) => {
-					syncRequests.push(await request.json());
-
-					return HttpResponse.json(
-						{ code: "TBANK_UNAVAILABLE" },
-						{ status: 503 },
-					);
-				}),
 			);
-			const period = Object.fromEntries(new URLSearchParams(search));
 			const queryClient = createTestQueryClient();
 
 			const { result } = renderHook(
@@ -162,15 +151,6 @@ describe("Upcoming event date filters", () => {
 
 			await waitFor(() => expect(result.current.state).toBe("error"));
 			expect(requested).toEqual([`?${search}`]);
-			expect(syncRequests).toEqual([]);
-			act(() => {
-				if (result.current.state === "error") result.current.retry();
-			});
-			await waitFor(() =>
-				expect(syncRequests).toEqual([
-					{ accountId: "all", screen: "events", ...period },
-				]),
-			);
 		},
 	);
 
@@ -232,7 +212,7 @@ describe("Upcoming event date filters", () => {
 				),
 			);
 			renderEvents(accountId, ["?from=2099-02-01"]);
-			await screen.findByRole("button", { name: "Повторить" });
+			await screen.findByRole("button", { name: "Сбросить" });
 			fireEvent.click(screen.getByRole("button", { name: "Сбросить" }));
 			await screen.findByLabelText("Период");
 			expect(screen.getByLabelText("URL")).toBeEmptyDOMElement();
@@ -300,7 +280,7 @@ describe("Upcoming event date filters", () => {
 	);
 });
 
-it("retains the previous complete forecast and timestamp when its source refresh fails", async () => {
+it("retains the previous complete forecast when its source refresh fails", async () => {
 	configureAuthClient({
 		accessToken: () => "synthetic",
 		clear: vi.fn(),
@@ -343,9 +323,6 @@ it("retains the previous complete forecast and timestamp when its source refresh
 	await waitFor(() =>
 		expect(result.current).toMatchObject({
 			events,
-			lastSuccessfulAt: snapshot.meta.lastSuccessfulAt,
-			refreshError: true,
-			sourceError: true,
 			state: "loaded",
 		}),
 	);

src/pages/account-events/ui/AccountEventsPage/AccountEventsPage.test.tsx

@@ -159,8 +159,7 @@ describe("AccountEventsPage", () => {
 		expect(screen.getAllByText("O")).toHaveLength(2);
 	});
 
-	it("renders empty and retryable error states", () => {
-		const refetch = vi.fn();
+	it("renders empty and quiet error states", async () => {
 		const { rerender } = renderPage();
 		expect(
 			screen.getByText("За выбранный период событий не найдено"),
@@ -169,7 +168,6 @@ describe("AccountEventsPage", () => {
 			data: undefined,
 			isError: true,
 			isLoading: false,
-			refetch,
 		} as never);
 		rerender(
 			<MantineProvider>
@@ -178,8 +176,8 @@ describe("AccountEventsPage", () => {
 				</MemoryRouter>
 			</MantineProvider>,
 		);
-		fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
-		expect(refresh).toHaveBeenCalledOnce();
+		expect(await screen.findByRole("button", { name: "Сбросить" })).toBeVisible();
+		expect(screen.queryByRole("button", { name: "Повторить" })).not.toBeInTheDocument();
 	});
 
 	it("shows a structural busy state before events are available", () => {

src/pages/account-events/ui/AccountEventsPage/AccountEventsPage.vm.ts

@@ -6,25 +6,20 @@ import {
 	useBrokerageEvents,
 } from "@/entities/brokerage-event";
 import { useScreenSync } from "@/features/tbank-connection";
-import { isValidPeriod, useUrlPeriod } from "@/shared/lib";
+import { isValidPeriod, useInitialAvailability, useUrlPeriod } from "@/shared/lib";
 
 type AccountEventsPageViewModel
 	= | {
 		canApply: boolean;
 		draftPeriod: [null | string, null | string];
 		events: BrokerageEvent[];
-		lastSuccessfulAt?: null | string;
 		onApply: () => void;
 		onPeriodChange: (value: [null | string, null | string]) => void;
 		onReset: () => void;
 		partial?: boolean;
-		refreshError: boolean;
-		refreshing: boolean;
-		retry: () => void;
-		sourceError?: boolean;
 		state: "loaded";
 	}
-	| { onReset: () => void; retry: () => void; state: "error" }
+	| { onReset: () => void; state: "error" }
 	| { state: "loading" };
 
 function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
@@ -56,7 +51,7 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 		...(appliedTo && { to: appliedTo }),
 	});
 
-	const sync = useScreenSync(
+	useScreenSync(
 		{
 			accountId,
 			screen: "events",
@@ -66,7 +61,15 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 		[events],
 	);
 
-	if (events.isLoading) return { state: "loading" };
+	const availability = useInitialAvailability({
+		hasContent: !!events.data,
+		identity: scope,
+		isError: events.isError || events.meta?.sync.state === "failed",
+		isFetching: events.isFetching,
+	});
+
+	if (availability === "loading" && events.isLoading)
+		return { state: "loading" };
 
 	const onReset = () => {
 		setDraftPeriod([null, null]);
@@ -76,12 +79,12 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 	if ((events.isError || events.meta?.sync.state === "failed") && !events.data)
 		return {
 			onReset,
-			retry: () => {
-				void sync.retry();
-			},
 			state: "error",
 		};
-	if (!events.data) return { state: "loading" };
+	if (!events.data)
+		return availability === "unavailable"
+			? { onReset, state: "error" }
+			: { state: "loading" };
 
 	return {
 		canApply:
@@ -89,7 +92,6 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 			&& isValidPeriod(draftFrom, draftTo),
 		draftPeriod,
 		events: events.data.events,
-		lastSuccessfulAt: events.meta?.lastSuccessfulAt,
 		onApply: () => {
 			if (!isValidPeriod(draftFrom, draftTo)) return;
 			setSearchParameters({
@@ -100,12 +102,6 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 		onPeriodChange: setDraftPeriod,
 		onReset,
 		partial: events.meta?.availability !== "complete",
-		refreshError: events.isError || sync.sourceError || sync.transportError,
-		refreshing: events.isFetching || sync.refreshing,
-		retry: () => {
-			void sync.retry();
-		},
-		sourceError: sync.sourceError,
 		state: "loaded",
 	};
 }

src/pages/account-events/ui/AccountEventsPage/components/AccountEventsPageError.view.tsx

@@ -4,7 +4,7 @@ import { Button, Group } from "@mantine/core";
 import { StateView } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
 
-type AccountEventsPageErrorProps = { onReset: () => void; retry: () => void };
+type AccountEventsPageErrorProps = { onReset: () => void };
 
 const AccountEventsPageError: FC<AccountEventsPageErrorProps> = (props) => {
 	const { t } = useTranslation();
@@ -13,8 +13,6 @@ const AccountEventsPageError: FC<AccountEventsPageErrorProps> = (props) => {
 		<StateView
 			action={(
 				<Group>
-					<Button onClick={props.retry}>{t("events.retry")}</Button>
-
 					<Button onClick={props.onReset} variant="default">
 						{t("ledger.reset")}
 					</Button>

src/pages/account-events/ui/AccountEventsPage/components/AccountEventsPageLoaded.view.tsx

@@ -4,7 +4,6 @@ import {
 	Alert,
 	Button,
 	Group,
-	Progress,
 	Stack,
 	Text,
 	Title,
@@ -16,7 +15,6 @@ import {
 	BrokerageEventCard,
 	brokerageEventKey,
 } from "@/entities/brokerage-event";
-import { SourceSyncStatus } from "@/shared/ui";
 
 import type { AccountEventsPageViewModel } from "../AccountEventsPage.vm";
 
@@ -55,32 +53,10 @@ const AccountEventsPageLoaded: FC<AccountEventsPageLoadedProps> = (props) => {
 
 	return (
 		<Stack gap="lg">
-			<SourceSyncStatus lastSuccessfulAt={props.lastSuccessfulAt} />
-
 			<Title order={1}>{t("events.title")}</Title>
 
-			<Button disabled={props.refreshing} onClick={props.retry} w="fit-content">
-				{t("investment.refresh")}
-			</Button>
-
 			{!!props.partial && <Alert role="status">{t("investment.partial")}</Alert>}
 
-			{!!props.refreshing && <Progress animated aria-label={t("accounts.refreshing")} value={100} />}
-
-			{!!props.refreshError && (
-				<Alert aria-live="polite" color="yellow" role="status">
-					{t(
-						props.sourceError
-							? "investment.syncFailed"
-							: "accounts.refreshError",
-					)}
-
-					<Button onClick={props.retry} variant="subtle">
-						{t("accounts.retry")}
-					</Button>
-				</Alert>
-			)}
-
 			<Text c="dimmed">{t("events.hint")}</Text>
 
 			<Group align="end">

src/pages/account-income/ui/AccountIncomePage/AccountIncomePage.test.tsx

@@ -195,7 +195,6 @@ describe("AccountIncomePage", () => {
 
 	it("keeps income calendar dates in GET and source sync requests", async () => {
 		const requested: string[] = [];
-		const syncRequests: unknown[] = [];
 		server.use(
 			http.get(
 				"*/api/v1/brokerage-accounts/:accountId/income-analytics",
@@ -216,30 +215,11 @@ describe("AccountIncomePage", () => {
 					);
 				},
 			),
-			http.post("*/api/v1/tbank-sync", async ({ request }) => {
-				syncRequests.push(await request.json());
-
-				return HttpResponse.json(
-					{ code: "TBANK_UNAVAILABLE" },
-					{ status: 503 },
-				);
-			}),
 		);
 		renderPage("from=2024-02-29&to=2024-03-01");
-		const retry = await screen.findByRole("button", { name: "Повторить" });
+		await screen.findByText("Не удалось рассчитать пассивный доход");
 		expect(requested).toEqual(["?from=2024-02-29&to=2024-03-01"]);
-		expect(syncRequests).toEqual([]);
-		fireEvent.click(retry);
-		await waitFor(() =>
-			expect(syncRequests).toEqual([
-				{
-					accountId: "account-1",
-					from: "2024-02-29",
-					screen: "income",
-					to: "2024-03-01",
-				},
-			]),
-		);
+		expect(screen.queryByRole("button", { name: "Повторить" })).not.toBeInTheDocument();
 	});
 
 	it("requests a multi-year period from the URL without resetting it", async () => {
@@ -486,7 +466,7 @@ describe("AccountIncomePage", () => {
 		).toBeVisible();
 	});
 
-	it("shows a recoverable realized error", async () => {
+	it("shows a quiet realized error", async () => {
 		server.use(
 			http.get(
 				"*/api/v1/brokerage-accounts/account-1/income-analytics",
@@ -495,8 +475,11 @@ describe("AccountIncomePage", () => {
 		);
 		renderPage();
 		expect(
-			await screen.findByRole("button", { name: "Повторить" }),
+			await screen.findByText("Не удалось рассчитать пассивный доход", undefined, {
+				timeout: 4000,
+			}),
 		).toBeInTheDocument();
+		expect(screen.queryByRole("button", { name: "Повторить" })).not.toBeInTheDocument();
 	});
 });
 
@@ -631,7 +614,7 @@ describe("income period and snapshot boundary", () => {
 		expect(requests).toEqual(["?from=2026-09-01&to=2026-09-01"]);
 	});
 
-	it("keeps valid data and draft during refetch, warns on failure and retries", async () => {
+	it("keeps valid data and draft during refetch failure", async () => {
 		respondWithRequestedPeriod([]);
 		const { queryClient } = renderPage();
 		await screen.findByLabelText("Период");
@@ -653,51 +636,13 @@ describe("income period and snapshot boundary", () => {
 		act(() => {
 			void queryClient.invalidateQueries();
 		});
-		expect(
-			await screen.findByRole("status", { name: "Обновляем пассивный доход" }),
-		).toBeInTheDocument();
 		expect(screen.getByRole("region", { name: "Выплаты" })).toBeVisible();
 		expect(screen.getByLabelText("Период")).toHaveTextContent(
 			"02.08.2026 – 27.08.2026",
 		);
 		release();
-		expect(
-			await screen.findByText(/Показан последний загруженный результат/),
-		).toBeInTheDocument();
 		expect(screen.getByRole("region", { name: "Выплаты" })).toBeVisible();
-		server.use(
-			http.post("*/api/v1/tbank-sync", () =>
-				HttpResponse.json(
-					{
-						id: "income",
-						now: "2026-09-25T00:00:00Z",
-						scope: { accountId: "account-1", screen: "income" },
-					},
-					{ status: 202 },
-				),
-			),
-			http.get("*/api/v1/tbank-sync/:id", () =>
-
-				HttpResponse.json(
-					{
-						errorCode: null,
-						id: "income",
-						now: "2026-09-25T00:00:00Z",
-						scope: null,
-						state: "succeeded",
-					},
-				),
-			),
-			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-				HttpResponse.json(resource(analytics, { dataRevision: "2" })),
-			),
-		);
-		fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
-		await waitFor(() =>
-			expect(
-				screen.queryByText(/Показан последний загруженный результат/),
-			).not.toBeInTheDocument(),
-		);
+		expect(screen.queryByText(/Показан последний загруженный результат/)).not.toBeInTheDocument();
 		expect(screen.getByLabelText("Период")).toHaveTextContent(
 			"02.08.2026 – 27.08.2026",
 		);

src/pages/account-income/ui/AccountIncomePage/AccountIncomePage.vm.ts

@@ -5,7 +5,7 @@ import { useParams, useSearchParams } from "react-router";
 
 import { type IncomeAnalytics, useIncomeAnalytics } from "@/entities/income";
 import { useScreenSync } from "@/features/tbank-connection";
-import { isValidPeriod, moscowDate } from "@/shared/lib";
+import { isValidPeriod, moscowDate, useInitialAvailability } from "@/shared/lib";
 
 import {
 	type IncomeDisplayModel,
@@ -27,19 +27,13 @@ type AccountIncomePageViewModel
 		display: IncomeDisplayModel;
 		form: ReturnType<typeof useForm<IncomeForm>>;
 		formRevision: string;
-		lastSuccessfulAt?: null | string;
 		onReset: () => void;
 		onSubmit: (values: IncomeForm) => void;
 		partial?: boolean;
-		refreshError: boolean;
-		refreshing: boolean;
-		retry: () => Promise<unknown> | undefined;
-		sourceError?: boolean;
 		state: "loaded";
 	}
 	| {
 		period: IncomePeriod;
-		retry: () => Promise<unknown> | undefined;
 		state: "error";
 	}
 	| { state: "loading" };
@@ -69,7 +63,7 @@ const useAccountIncomePageViewModel = (): AccountIncomePageViewModel => {
 	const [resetRevision, setResetRevision] = useState(0);
 	const analytics = useIncomeAnalytics(accountId, period);
 
-	const sync = useScreenSync(
+	useScreenSync(
 		{ accountId, from: period.from, screen: "income", to: period.to },
 		[analytics],
 	);
@@ -82,11 +76,20 @@ const useAccountIncomePageViewModel = (): AccountIncomePageViewModel => {
 		form.reset(draftPeriod(period));
 	}, [accountId, form, period]);
 
-	if (analytics.isLoading || !analytics.data) {
-		return analytics.isError || analytics.meta?.sync.state === "failed"
-			? { period, retry: sync.retry, state: "error" }
+	const availability = useInitialAvailability({
+		hasContent: !!analytics.data,
+		identity: `${accountId}:${period.from}:${period.to}`,
+		isError: analytics.isError || analytics.meta?.sync.state === "failed",
+		isFetching: analytics.isFetching,
+	});
+
+	if (availability === "loading" && analytics.isLoading)
+		return { state: "loading" };
+
+	if (!analytics.data)
+		return availability === "unavailable"
+			? { period, state: "error" }
 			: { state: "loading" };
-	}
 
 	const display = toIncomeDisplayModel(analytics.data, analytics.meta);
 
@@ -109,14 +112,9 @@ const useAccountIncomePageViewModel = (): AccountIncomePageViewModel => {
 		display,
 		form,
 		formRevision: `${accountId}:${period.from}:${period.to}:${resetRevision}`,
-		lastSuccessfulAt: analytics.meta?.lastSuccessfulAt,
 		onReset,
 		onSubmit,
 		partial: analytics.meta?.availability !== "complete",
-		refreshError: analytics.isError || sync.sourceError || sync.transportError,
-		refreshing: analytics.isFetching || sync.refreshing,
-		retry: sync.retry,
-		sourceError: sync.sourceError,
 		state: "loaded",
 	};
 };

src/pages/account-income/ui/AccountIncomePage/components/AccountIncomePageError.view.tsx

@@ -1,6 +1,5 @@
 import type { FC } from "react";
 
-import { Button } from "@mantine/core";
 import { StateView } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
 
@@ -8,12 +7,11 @@ import type { AccountIncomePageViewModel } from "../AccountIncomePage.vm";
 
 type ErrorProps = Extract<AccountIncomePageViewModel, { state: "error" }>;
 
-const AccountIncomePageError: FC<ErrorProps> = (props) => {
+const AccountIncomePageError: FC<ErrorProps> = () => {
 	const { t } = useTranslation();
 
 	return (
 		<StateView
-			action={<Button onClick={props.retry}>{t("income.retry")}</Button>}
 			error
 			text={t("income.errorText")}
 			title={t("income.errorTitle")}

src/pages/account-income/ui/AccountIncomePage/components/AccountIncomePageLoaded.view.tsx

@@ -2,19 +2,13 @@ import type { FC } from "react";
 
 import {
 	Alert,
-	Button,
-	Group,
-	Loader,
 	Stack,
-	Text,
 	Title,
 } from "@mantine/core";
 import { StateView } from "@wealthledger/ui";
 import { FormProvider } from "react-hook-form";
 import { useTranslation } from "react-i18next";
 
-import { SourceSyncStatus } from "@/shared/ui";
-
 import type { AccountIncomePageViewModel } from "../AccountIncomePage.vm";
 
 import classes from "../AccountIncomePage.module.css";
@@ -40,21 +34,14 @@ const AccountIncomePageLoadedSummary: FC<LoadedProps> = (props) => {
 };
 
 const AccountIncomePageLoaded: FC<LoadedProps> = (props) => {
-	const { display, form, onReset, onSubmit, refreshError, refreshing, retry }
-		= props;
+	const { display, form, onReset, onSubmit } = props;
 
 	const { t } = useTranslation();
 
 	return (
 		<Stack className={classes.page} gap="lg">
-			<SourceSyncStatus lastSuccessfulAt={props.lastSuccessfulAt} />
-
 			<Title order={1}>{t("income.title")}</Title>
 
-			<Button disabled={refreshing} onClick={retry} w="fit-content">
-				{t("investment.refresh")}
-			</Button>
-
 			<FormProvider {...form}>
 				<IncomePeriodForm
 					key={props.formRevision}
@@ -63,32 +50,6 @@ const AccountIncomePageLoaded: FC<LoadedProps> = (props) => {
 				/>
 			</FormProvider>
 
-			{!!refreshing && (
-				<Group aria-label={t("income.refreshing")} gap="xs" role="status">
-					<Loader size="sm" />
-
-					<Text>{t("income.refreshing")}</Text>
-				</Group>
-			)}
-
-			{!!refreshError && (
-				<Alert aria-live="polite" color="orange" role="status">
-					<Stack gap="sm">
-						<Text>
-							{t(
-								props.sourceError
-									? "investment.syncFailed"
-									: "income.refreshError",
-							)}
-						</Text>
-
-						<Button onClick={retry} variant="default">
-							{t("income.retry")}
-						</Button>
-					</Stack>
-				</Alert>
-			)}
-
 			<AccountIncomePageLoadedSummary {...props} />
 
 			<Alert color="blue">{t("income.taxBoundary")}</Alert>

src/pages/account-operations/ui/AccountOperationsPage/AccountOperationsPage.test.tsx

@@ -346,7 +346,7 @@ describe("AccountOperationsPage", () => {
 					</MantineProvider>
 				</QueryClientProvider>,
 			);
-			await screen.findByRole("button", { name: "Повторить" });
+			await screen.findByRole("button", { name: "Сбросить" });
 			fireEvent.click(screen.getByRole("button", { name: "Сбросить" }));
 			await screen.findByLabelText("Период");
 			expect(screen.getByLabelText("URL")).toBeEmptyDOMElement();
@@ -484,7 +484,9 @@ describe("AccountOperationsPage", () => {
 		);
 		renderPage();
 		expect(
-			await screen.findByText("Не удалось загрузить журнал"),
+			await screen.findByText("Не удалось загрузить журнал", undefined, {
+				timeout: 4000,
+			}),
 		).toBeInTheDocument();
 	});
 });
@@ -520,7 +522,7 @@ it("keeps UTC operation boundaries in GET and source sync requests", async () =>
 		}),
 	);
 	renderPage("?from=2024-02-29&to=2024-03-01&categories=trade");
-	const retry = await screen.findByRole("button", { name: "Повторить" });
+	await screen.findByRole("button", { name: "Сбросить" });
 	expect(requested).toEqual([
 		{
 			categories: "trade",
@@ -530,19 +532,6 @@ it("keeps UTC operation boundaries in GET and source sync requests", async () =>
 		},
 	]);
 	expect(syncRequests).toEqual([]);
-	fireEvent.click(retry);
-	await waitFor(() =>
-		expect(syncRequests).toEqual([
-			{
-				accountId: "account-1",
-				categories: ["trade"],
-				from: "2024-02-29T00:00:00.000Z",
-				limit: 100,
-				screen: "operations",
-				to: "2024-03-01T23:59:59.999Z",
-			},
-		]),
-	);
 });
 
 it("does not label incomplete empty operations as a confirmed empty period", async () => {
@@ -595,7 +584,6 @@ it("recovers an invalid cursor at the first page without clearing applied filter
 	);
 	renderPage("?from=2026-08-01&to=2026-08-14&categories=trade");
 	fireEvent.click(await screen.findByRole("button", { name: "Далее" }));
-	fireEvent.click(await screen.findByRole("button", { name: "Повторить" }));
 	await waitFor(() => expect(searches).toHaveLength(3));
 	assert.isDefined(searches[0]);
 	assert.isDefined(searches[2]);

src/pages/account-operations/ui/AccountOperationsPage/AccountOperationsPage.vm.ts

@@ -11,7 +11,7 @@ import {
 } from "@/entities/broker-operation";
 import { useScreenSync } from "@/features/tbank-connection";
 import { ApiErrorCode, apiErrorCode, isApiErrorCode } from "@/shared/api";
-import { isValidPeriod, useUrlPeriod } from "@/shared/lib";
+import { isValidPeriod, useInitialAvailability, useUrlPeriod } from "@/shared/lib";
 
 const operationCategorySet = new Set<string>(operationCategories);
 
@@ -24,7 +24,6 @@ type AccountOperationsPageViewModel
 		hasPrevious: boolean;
 		historyLoading?: boolean;
 		items: BrokerageOperation[];
-		lastSuccessfulAt?: null | string;
 		onApply: () => void;
 		onCategoriesChange: (value: string[]) => void;
 		onNext: () => void;
@@ -32,13 +31,9 @@ type AccountOperationsPageViewModel
 		onPrevious: () => void;
 		onReset: () => void;
 		partial?: boolean;
-		refreshError?: boolean;
-		refreshing?: boolean;
-		retry?: () => void;
-		sourceError?: boolean;
 		state: "loaded";
 	}
-	| { onReset: () => void; retry: () => void; state: "error" }
+	| { onReset: () => void; state: "error" }
 	| { state: "loading" };
 
 const useAccountOperationsPageVm = (): AccountOperationsPageViewModel => {
@@ -85,19 +80,28 @@ const useAccountOperationsPageVm = (): AccountOperationsPageViewModel => {
 		history.reset();
 	}
 
-	const sync = useScreenSync(
+	useScreenSync(
 		{ accountId, screen: "operations", ...firstPageQuery },
 		[operations],
 	);
 
-	if (operations.isLoading) return { state: "loading" };
+	const availability = useInitialAvailability({
+		hasContent: !!operations.data,
+		identity: scope,
+		isError: operations.isError || operations.meta?.sync.state === "failed",
+		isFetching: operations.isFetching,
+	});
+
+	if (availability === "loading" && operations.isLoading)
+		return { state: "loading" };
+
+	if (history.isRecoveringInvalidCursor)
+		return { state: "loading" };
 
 	const resetQueryKey = brokerageOperationsQueryOptions(accountId, {
 		limit: 100,
 	}).queryKey;
 
-	const retry = () => history.retry(sync.retry);
-
 	const onReset = () => {
 		setDraftPeriod([null, null]);
 		setDraftCategories([]);
@@ -106,16 +110,22 @@ const useAccountOperationsPageVm = (): AccountOperationsPageViewModel => {
 		void queryClient.invalidateQueries({ queryKey: resetQueryKey });
 	};
 
+	const isInvalidCursor = isApiErrorCode(
+		apiErrorCode(operations.error),
+		ApiErrorCode.InvalidOperationsCursor,
+	);
+
 	if (
-		(operations.isError || operations.meta?.sync.state === "failed")
-		&& (!operations.data
-			|| isApiErrorCode(
-				apiErrorCode(operations.error),
-				ApiErrorCode.InvalidOperationsCursor,
-			))
+		(isInvalidCursor || !operations.data)
+		&& (operations.isError || operations.meta?.sync.state === "failed")
 	)
-		return { onReset, retry, state: "error" };
-	if (!operations.data) return { state: "loading" };
+		return { onReset, state: "error" };
+
+	if (!operations.data)
+		return availability === "unavailable"
+			? { onReset, state: "error" }
+			: { state: "loading" };
+
 	const nextCursor = operations.data.nextCursor;
 
 	const isDirty
@@ -133,7 +143,6 @@ const useAccountOperationsPageVm = (): AccountOperationsPageViewModel => {
 			operations.meta?.coverage?.historyState === "loading"
 			|| operations.meta?.coverage?.historyState === "partial",
 		items: operations.data.items,
-		lastSuccessfulAt: operations.meta?.lastSuccessfulAt,
 		onApply: () => {
 			if (!isValidPeriod(draftFrom, draftTo)) return;
 			setSearchParameters({
@@ -155,10 +164,6 @@ const useAccountOperationsPageVm = (): AccountOperationsPageViewModel => {
 		onPrevious: history.onPrevious,
 		onReset,
 		partial: operations.meta?.availability !== "complete",
-		refreshError: operations.isError || sync.sourceError || sync.transportError,
-		refreshing: operations.isFetching || sync.refreshing,
-		retry,
-		sourceError: sync.sourceError,
 		state: "loaded",
 	};
 };

src/pages/account-operations/ui/AccountOperationsPage/components/AccountOperationsPageError.view.tsx

@@ -1,6 +1,6 @@
 import type { FC } from "react";
 
-import { Button, Group } from "@mantine/core";
+import { Button } from "@mantine/core";
 import { StateView } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
 
@@ -14,21 +14,15 @@ type AccountOperationsPageErrorProps = Extract<
 const AccountOperationsPageError: FC<AccountOperationsPageErrorProps> = (
 	props,
 ) => {
-	const { retry } = props;
 	const { t } = useTranslation();
 
 	return (
 		<StateView
 			action={(
-				<Group>
-					<Button onClick={retry}>{t("ledger.retry")}</Button>
-
-					<Button onClick={props.onReset} variant="default">
-						{t("ledger.reset")}
-					</Button>
-				</Group>
+				<Button onClick={props.onReset} variant="default">
+					{t("ledger.reset")}
+				</Button>
 			)}
-			error
 			text={t("ledger.errorText")}
 			title={t("ledger.errorTitle")}
 		/>

src/pages/account-operations/ui/AccountOperationsPage/components/AccountOperationsPageLoaded.view.tsx

@@ -5,7 +5,6 @@ import {
 	Button,
 	Group,
 	MultiSelect,
-	Progress,
 	Stack,
 	Title,
 } from "@mantine/core";
@@ -14,7 +13,6 @@ import { StateView } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
 
 import { LedgerEntryRow, operationCategories } from "@/entities/broker-operation";
-import { SourceSyncStatus } from "@/shared/ui";
 
 import type { AccountOperationsPageViewModel } from "../AccountOperationsPage.vm";
 
@@ -62,34 +60,12 @@ const AccountOperationsPageLoaded: FC<AccountOperationsPageLoadedProps> = (
 
 	return (
 		<Stack gap="lg">
-			<SourceSyncStatus lastSuccessfulAt={props.lastSuccessfulAt} />
-
 			<Title order={1}>{t("ledger.title")}</Title>
 
-			<Button disabled={props.refreshing} onClick={props.retry} w="fit-content">
-				{t("investment.refresh")}
-			</Button>
-
 			{!!props.partial && <Alert role="status">{t("investment.partial")}</Alert>}
 
 			{!!props.historyLoading && <Alert>{t("investment.history")}</Alert>}
 
-			{!!props.refreshing && <Progress animated aria-label={t("accounts.refreshing")} value={100} />}
-
-			{!!props.refreshError && (
-				<Alert aria-live="polite" color="yellow" role="status">
-					{t(
-						props.sourceError
-							? "investment.syncFailed"
-							: "accounts.refreshError",
-					)}
-
-					<Button onClick={props.retry} variant="subtle">
-						{t("accounts.retry")}
-					</Button>
-				</Alert>
-			)}
-
 			<Group align="end">
 				<DatePickerInput
 					allowSingleDateInRange

src/pages/account/model/previews.ts

@@ -10,20 +10,18 @@ const RECENT_EVENTS_LIMIT = 5;
 
 type AccountPageIncomeSummary
 	= | {
-		lastSuccessfulAt?: null | string;
-		refreshError?: boolean;
-		stale?: boolean;
-		state: "loaded";
-		summary: IncomeSummary;
-		to: string;
-	}
-	| { retry: () => Promise<unknown> | undefined; state: "error"; to: string }
-	| {
 		state: "empty"
 			| "loading"
 			| "partial";
 		to: string;
-	};
+	}
+	| { state: "error"; to: string }
+	| {
+		state: "loaded";
+		summary: IncomeSummary;
+		to: string;
+	}
+	;
 
 type AccountPageRecentEvents = BrokerageEventsPreviewState;
 
@@ -57,20 +55,16 @@ type PreviewResource<T> = {
 function toIncomeSummary(
 	accountId: string | undefined,
 	income: PreviewResource<IncomeSummary>,
-	retry: () => Promise<unknown>,
 ): AccountPageIncomeSummary {
 	const to = `/accounts/${accountId}/income`;
 	if (!income.data && !income.isError && income.meta?.sync.state !== "failed")
 		return { state: "loading", to };
 	if (income.meta?.availability === "partial") return { state: "partial", to };
 	if (!income.data && (income.isError || income.meta?.sync.state === "failed"))
-		return { retry, state: "error", to };
+		return { state: "error", to };
 	if (!income.data?.totalsByCurrency.length) return { state: "empty", to };
 
 	return {
-		lastSuccessfulAt: income.meta?.lastSuccessfulAt,
-		refreshError: income.isError || income.meta?.sync.state === "failed",
-		stale: income.meta?.freshness === "stale",
 		state: "loaded",
 		summary: income.data,
 		to,
@@ -97,9 +91,6 @@ function toRecentEvents(
 
 	return {
 		items,
-		lastSuccessfulAt: events.meta?.lastSuccessfulAt,
-		refreshError: events.isError || events.meta?.sync.state === "failed",
-		stale: events.meta?.freshness === "stale",
 		state: "loaded",
 		to,
 	};

src/pages/account/ui/AccountPage/AccountPage.test.tsx

@@ -1,7 +1,6 @@
 import { MantineProvider } from "@mantine/core";
 import { type QueryClient, QueryClientProvider } from "@tanstack/react-query";
 import {
-	fireEvent,
 	render,
 	screen,
 	waitFor,
@@ -261,7 +260,7 @@ describe("AccountPage states", () => {
 	it.each(["NOT_FOUND", "TBANK_NOT_CONNECTED", "INVALID_TBANK_TOKEN"])(
 		"does not offer retry without cached data for %s",
 		(code) => {
-			renderPage(<AccountPageError code={code} retry={vi.fn()} />);
+			renderPage(<AccountPageError code={code} />);
 			expect(
 				screen.queryByRole("button", { name: "Повторить" }),
 			).not.toBeInTheDocument();
@@ -274,12 +273,16 @@ describe("AccountPage states", () => {
 		},
 	);
 
-	it.each(["TBANK_UNAVAILABLE", "UNKNOWN"])("allows retry for %s", (code) => {
-		const retry = vi.fn();
-		renderPage(<AccountPageError code={code} retry={retry} />);
-		fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
-		expect(retry).toHaveBeenCalledOnce();
-	});
+	it.each(["TBANK_UNAVAILABLE", "UNKNOWN"])(
+		"shows neutral unavailable without retry for %s",
+		(code) => {
+			renderPage(<AccountPageError code={code} />);
+			expect(screen.getByRole("heading", { name: "Пока недоступно" }))
+				.toBeInTheDocument();
+			expect(screen.queryByRole("button", { name: "Повторить" }))
+				.not.toBeInTheDocument();
+		},
+	);
 
 	it("shows supplied cash separately without adding currency instruments or recalculating totals", () => {
 		renderPage(
@@ -405,11 +408,9 @@ describe("AccountPage states", () => {
 		expect(
 			screen.getByRole("heading", { level: 1, name: "Портфель" }),
 		).toBeInTheDocument();
-		expect(
-			screen.getByText(
-				"T-Bank временно недоступен. Показан последний успешный снимок.",
-			),
-		).toBeInTheDocument();
+		expect(screen.queryByText(/T-Bank временно недоступен/))
+			.not.toBeInTheDocument();
+		expect(screen.queryByText(/Данные получены/)).not.toBeInTheDocument();
 		expect(screen.getByRole("button", { name: "Акции" })).toBeInTheDocument();
 		expect(
 			screen.getByRole("button", { name: "Облигации" }),
@@ -573,7 +574,7 @@ describe("AccountPage states", () => {
 		);
 
 		expect(
-			screen.getByText("Не удалось загрузить последние события."),
+			screen.getByText("Пока недоступно"),
 		).toBeInTheDocument();
 		expect(screen.getByText("Вторая")).toBeInTheDocument();
 	});
@@ -742,13 +743,13 @@ describe("AccountPage states", () => {
 		);
 
 		expect(
-			screen.getByText("Не удалось загрузить будущие события."),
+			screen.getByText("Данные появятся здесь, когда чтение восстановится."),
 		).toBeInTheDocument();
 		expect(screen.getByText("Вторая")).toBeInTheDocument();
 	});
 
 	it.each([503])(
-		"preserves totals and UTC snapshot through refresh error %i, retry and success",
+		"preserves totals quietly through refresh error %i and success",
 		async (status) => {
 			const initialPortfolio: Portfolio
 				= {
@@ -821,40 +822,30 @@ describe("AccountPage states", () => {
 			});
 
 			expect(structure).toHaveTextContent("10 ₽");
-			const snapshotText = screen.getByText(/Данные получены/).textContent;
-			expect(snapshotText).toContain("10:00");
+			expect(screen.queryByText(/Данные получены/)).not.toBeInTheDocument();
 			void queryClient.invalidateQueries({
 				queryKey: portfolioQueryOptions("account-1").queryKey,
 			});
 
-			expect(
-				await screen.findByText(
-					"Не удалось обновить портфель. Показан последний полученный снимок.",
-				),
-			).toBeInTheDocument();
-			expect(
-				screen.getByText(
-					"T-Bank временно недоступен. Показан последний успешный снимок.",
-				),
-			).toBeInTheDocument();
+			await waitFor(() => expect(requestCount).toBe(2));
+			expect(screen.queryByText(/Не удалось обновить портфель/))
+				.not.toBeInTheDocument();
+			expect(screen.queryByText(/T-Bank временно недоступен/))
+				.not.toBeInTheDocument();
 			expect(screen.getByText("Вторая")).toBeInTheDocument();
 			expect(
 				screen.getAllByRole("definition").map(node => node.textContent),
 			).toEqual(["1 234,5 ₽", "0,5 $"]);
-			// eslint-disable-next-line jest-dom/prefer-to-have-text-content -- The cached timestamp must remain exactly unchanged.
-			expect(screen.getByText(/Данные получены/).textContent).toBe(
-				snapshotText,
-			);
-			fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
+			expect(screen.queryByRole("button", { name: "Повторить" }))
+				.not.toBeInTheDocument();
+			void queryClient.invalidateQueries({
+				queryKey: portfolioQueryOptions("account-1").queryKey,
+			});
 			await waitFor(() => expect(requestCount).toBe(3));
 			expect(structure).toHaveTextContent("10 ₽");
 			expect(
 				screen.getAllByRole("definition").map(node => node.textContent),
 			).toEqual(["1 234,5 ₽", "0,5 $"]);
-			// eslint-disable-next-line jest-dom/prefer-to-have-text-content -- The cached timestamp must remain exactly unchanged.
-			expect(screen.getByText(/Данные получены/).textContent).toBe(
-				snapshotText,
-			);
 			resolveRetry?.(
 				HttpResponse.json(
 					resource(
@@ -875,7 +866,7 @@ describe("AccountPage states", () => {
 					screen.getAllByRole("definition").map(node => node.textContent),
 				).toEqual(["-0,5 $", "2,50 €"]),
 			);
-			expect(screen.getByText(/Данные получены/)).toHaveTextContent("11:30");
+			expect(screen.queryByText(/Данные получены/)).not.toBeInTheDocument();
 			expect(structure).not.toHaveTextContent("10 ₽");
 			expect(structure).toHaveTextContent("Нет положительной стоимости");
 			expect(
@@ -916,13 +907,12 @@ describe("AccountPage states", () => {
 		expect(
 			screen.getAllByRole("definition").map(node => node.textContent),
 		).toEqual(["1 234,5 ₽", "0,5 $"]);
-		expect(screen.getByText(/Данные получены/)).toHaveTextContent("10:00");
+		expect(screen.queryByText(/Данные получены/)).not.toBeInTheDocument();
 		expect(
 			screen.queryByRole("status", { name: "Загрузка" }),
 		).not.toBeInTheDocument();
-		expect(
-			screen.getByRole("status", { name: "Обновляем портфель" }),
-		).toBeInTheDocument();
+		expect(screen.queryByRole("status", { name: "Обновляем портфель" }))
+			.not.toBeInTheDocument();
 
 		resolveRefresh?.(HttpResponse.json(resource(portfolio)));
 	});

src/pages/account/ui/AccountPage/AccountPage.tsx

@@ -18,10 +18,6 @@ const AccountPage: FC = () => {
 				incomeSummary={viewModel.incomeSummary}
 				recentEvents={viewModel.recentEvents}
 				recentOperations={viewModel.recentOperations}
-				refreshError={viewModel.refreshError}
-				refreshing={viewModel.refreshing}
-				retry={viewModel.retry}
-				sourceError={viewModel.sourceError}
 			/>
 		);
 
@@ -35,10 +31,6 @@ const AccountPage: FC = () => {
 			positionSections={viewModel.positionSections}
 			recentEvents={viewModel.recentEvents}
 			recentOperations={viewModel.recentOperations}
-			refreshError={viewModel.refreshError}
-			refreshing={viewModel.refreshing}
-			retry={viewModel.retry}
-			sourceError={viewModel.sourceError}
 		/>
 	);
 };

src/pages/account/ui/AccountPage/AccountPage.vm.test.tsx

@@ -1,7 +1,7 @@
 import type { FC, PropsWithChildren } from "react";
 
 import { MantineProvider } from "@mantine/core";
-import { act, renderHook, waitFor } from "@testing-library/react";
+import { renderHook, waitFor } from "@testing-library/react";
 import { http, HttpResponse } from "msw";
 import { MemoryRouter, Route, Routes } from "react-router";
 import { describe, expect, it, vi } from "vitest";
@@ -147,10 +147,10 @@ describe("useAccountPageViewModel", () => {
 				HttpResponse.json(resource(portfolio)),
 			),
 			http.get("*/api/v1/brokerage-accounts/:accountId/operations", () =>
-				HttpResponse.json({ code: "TBANK_UNAVAILABLE" }, { status: 503 }),
+				HttpResponse.json({ code: "DEMO_FAILURE" }, { status: 400 }),
 			),
 			http.get("*/api/v1/brokerage-accounts/:accountId/events", () =>
-				HttpResponse.json({ code: "MOEX_UNAVAILABLE" }, { status: 503 }),
+				HttpResponse.json({ code: "DEMO_FAILURE" }, { status: 400 }),
 			),
 		);
 
@@ -208,7 +208,7 @@ it("keeps overview sections independent when their source data is incomplete", a
 	);
 });
 
-it("refreshes every overview section through one account descriptor and observational reads", async () => {
+it("keeps overview sections loaded without exposing technical retry", async () => {
 	configureTestAuth();
 
 	const sections: Record<string, unknown>
@@ -219,48 +219,17 @@ it("refreshes every overview section through one account descriptor and observat
 			portfolio,
 		};
 
-	const observed: string[] = [];
-	const scopes: unknown[] = [];
-	let version = "1";
 	server.use(
 		...Object.entries(sections).map(([path, data]) =>
 			http.get(
 				`*/api/v1/brokerage-accounts/:accountId/${path}`,
-				({ request }) => {
-					if (new URL(request.url).searchParams.get("sync") === "observe")
-						observed.push(path);
-
+				() => {
 					return HttpResponse.json(
-						resource(data, { dataRevision: version, resourceKey: path }),
+						resource(data, { dataRevision: "1", resourceKey: path }),
 					);
 				},
 			),
 		),
-		http.post("*/api/v1/tbank-sync", async ({ request }) => {
-			scopes.push(await request.json());
-			version = "2";
-
-			return HttpResponse.json(
-				{
-					id: "overview",
-					now: "2026-09-25T00:00:00Z",
-					scope: { accountId: "account-1", screen: "account" },
-				},
-				{ status: 202 },
-			);
-		}),
-		http.get("*/api/v1/tbank-sync/:id", () =>
-
-			HttpResponse.json(
-				{
-					errorCode: null,
-					id: "overview",
-					now: "2026-09-25T00:00:00Z",
-					scope: null,
-					state: "succeeded",
-				},
-			),
-		),
 	);
 
 	const { result } = renderHook(() => useAccountPageViewModel(), {
@@ -275,11 +244,5 @@ it("refreshes every overview section through one account descriptor and observat
 			state: "loaded",
 		}),
 	);
-	await act(async () => {
-		if (result.current.state === "loaded") await result.current.retry();
-	});
-	await waitFor(() =>
-		expect(new Set(observed)).toEqual(new Set(Object.keys(sections))),
-	);
-	expect(scopes).toEqual([{ accountId: "account-1", screen: "account" }]);
+	expect(result.current).not.toHaveProperty("retry");
 });

src/pages/account/ui/AccountPage/AccountPage.vm.ts

@@ -13,7 +13,8 @@ import {
 import { useIncomeSummary } from "@/entities/income";
 import { usePortfolio } from "@/entities/portfolio";
 import { useScreenSync } from "@/features/tbank-connection";
-import { apiErrorCode } from "@/shared/api";
+import { ApiErrorCode, apiErrorCode, isApiErrorCode } from "@/shared/api";
+import { useInitialAvailability } from "@/shared/lib";
 
 import {
 	type AccountPagePositionSection,
@@ -35,10 +36,6 @@ type AccountPageContent = {
 	partial?: boolean;
 	recentEvents: AccountPageRecentEvents;
 	recentOperations: AccountPageRecentOperations;
-	refreshError: boolean;
-	refreshing: boolean;
-	retry: () => Promise<unknown> | undefined;
-	sourceError?: boolean;
 };
 
 type AccountPageEmptyViewModel = AccountPageContent & {
@@ -54,9 +51,16 @@ type AccountPageLoadedViewModel = AccountPageContent & {
 type AccountPageViewModel
 	= | AccountPageEmptyViewModel
 		| AccountPageLoadedViewModel
-		| { code?: string; retry: () => Promise<unknown> | undefined; state: "error" }
+		| { code?: string; state: "error" }
 		| { state: "loading" };
 
+function isPortfolioAccessFailure(code?: string) {
+	return isApiErrorCode(code, ApiErrorCode.Forbidden)
+		|| isApiErrorCode(code, ApiErrorCode.InvalidTbankToken)
+		|| isApiErrorCode(code, ApiErrorCode.NotFound)
+		|| isApiErrorCode(code, ApiErrorCode.TbankNotConnected);
+}
+
 function useAccountPageViewModel(): AccountPageViewModel {
 	const { accountId } = useParams();
 	const portfolio = usePortfolio(accountId);
@@ -69,7 +73,7 @@ function useAccountPageViewModel(): AccountPageViewModel {
 	const income = useIncomeSummary(accountId);
 	const accounts = useBrokerageAccounts();
 
-	const sync = useScreenSync({ accountId, screen: "account" }, [
+	useScreenSync({ accountId, screen: "account" }, [
 		accounts,
 		portfolio,
 		operations,
@@ -77,32 +81,28 @@ function useAccountPageViewModel(): AccountPageViewModel {
 		income,
 	]);
 
-	if (!portfolio.data) {
-		if (portfolio.isError || portfolio.meta?.sync.state === "failed")
-			return {
-				code: apiErrorCode(portfolio.error),
-				retry: sync.retry,
-				state: "error" as const,
-			};
+	const code = apiErrorCode(portfolio.error);
+	const isAccessFailure = isPortfolioAccessFailure(code);
 
-		return { state: "loading" as const };
-	}
+	const availability = useInitialAvailability({
+		hasContent: !!portfolio.data,
+		identity: accountId ?? "account",
+		isError: portfolio.isError || portfolio.meta?.sync.state === "failed",
+		isFetching: portfolio.isFetching,
+	});
+
+	if (isAccessFailure) return { code, state: "error" as const };
+
+	if (!portfolio.data)
+		return {
+			state: availability === "unavailable" ? "error" : "loading",
+		} as const;
 
 	const account = accounts.data?.find(item => item.id === accountId);
 	const recentOperations = toRecentOperations(accountId, operations);
 	const recentEvents = toRecentEvents(accountId, events);
 
-	const incomeSummary = toIncomeSummary(
-		accountId, income, () => income.refetch(),
-	);
-
-	const refresh = {
-		partial: portfolio.meta?.availability === "partial",
-		refreshError: portfolio.isError || sync.transportError || sync.sourceError,
-		refreshing: portfolio.isFetching || sync.refreshing,
-		retry: sync.retry,
-		sourceError: sync.sourceError,
-	};
+	const incomeSummary = toIncomeSummary(accountId, income);
 
 	if (
 		portfolio.meta?.availability === "complete"
@@ -116,19 +116,20 @@ function useAccountPageViewModel(): AccountPageViewModel {
 			recentEvents,
 			recentOperations,
 			state: "empty" as const,
-			...refresh,
 		};
 
+	const isPartial = portfolio.meta?.availability === "partial";
+
 	return {
 		account,
 		accountId,
 		incomeSummary,
+		partial: isPartial,
 		portfolio: portfolio.data,
 		positionSections: toAccountPagePositionSections(portfolio.data),
 		recentEvents,
 		recentOperations,
 		state: "loaded" as const,
-		...refresh,
 	};
 }
 

src/pages/account/ui/AccountPage/components/AccountPageEmpty.view.tsx

@@ -7,7 +7,6 @@ import { useTranslation } from "react-i18next";
 import type { BrokerageAccount } from "@/entities/brokerage-account";
 
 import { BrokerageEventsPreview } from "@/entities/brokerage-event";
-import { InvestmentRefreshState } from "@/features/tbank-connection";
 
 import type {
 	AccountPageIncomeSummary,
@@ -26,10 +25,6 @@ type AccountPageEmptyProps = {
 	incomeSummary?: AccountPageIncomeSummary;
 	recentEvents: AccountPageRecentEvents;
 	recentOperations: AccountPageRecentOperations;
-	refreshError?: boolean;
-	refreshing?: boolean;
-	retry?: () => void;
-	sourceError?: boolean;
 };
 
 const AccountPageEmpty: FC<AccountPageEmptyProps> = (props) => {
@@ -45,14 +40,6 @@ const AccountPageEmpty: FC<AccountPageEmptyProps> = (props) => {
 		<Stack>
 			<AccountHeading account={props.account} accountId={props.accountId} />
 
-			<InvestmentRefreshState
-				labelScope="portfolio"
-				refreshError={props.refreshError ?? false}
-				refreshing={props.refreshing ?? false}
-				retry={props.retry}
-				sourceError={props.sourceError}
-			/>
-
 			<StateView text={text} title={t("portfolio.emptyTitle")} />
 
 			<PortfolioStructure

src/pages/account/ui/AccountPage/components/AccountPageError.view.tsx

@@ -7,10 +7,10 @@ import { Link } from "react-router";
 
 import { ApiErrorCode, isApiErrorCode } from "@/shared/api";
 
-type AccountPageErrorProps = { code?: string; retry: () => void };
+type AccountPageErrorProps = { code?: string };
 
 const AccountPageError: FC<AccountPageErrorProps> = (props) => {
-	const { code, retry } = props;
+	const { code } = props;
 	const { t } = useTranslation();
 	if (isApiErrorCode(code, ApiErrorCode.NotFound))
 		return (
@@ -25,6 +25,7 @@ const AccountPageError: FC<AccountPageErrorProps> = (props) => {
 				title={t("portfolio.accountUnavailableTitle")}
 			/>
 		);
+
 	if (
 		isApiErrorCode(code, ApiErrorCode.TbankNotConnected)
 		|| isApiErrorCode(code, ApiErrorCode.InvalidTbankToken)
@@ -41,22 +42,11 @@ const AccountPageError: FC<AccountPageErrorProps> = (props) => {
 				title={t("portfolio.connectionErrorTitle")}
 			/>
 		);
-	if (isApiErrorCode(code, ApiErrorCode.TbankUnavailable))
-		return (
-			<StateView
-				action={<Button onClick={retry}>{t("accounts.retry")}</Button>}
-				error
-				text={t("accounts.unavailableText")}
-				title={t("accounts.unavailableTitle")}
-			/>
-		);
 
 	return (
 		<StateView
-			action={<Button onClick={retry}>{t("accounts.retry")}</Button>}
-			error
-			text={t("states.errorText")}
-			title={t("states.errorTitle")}
+			text={t("states.unavailableText")}
+			title={t("states.unavailableTitle")}
 		/>
 	);
 };

src/pages/account/ui/AccountPage/components/AccountPageLoaded.view.tsx

@@ -1,14 +1,12 @@
 import type { FC } from "react";
 
-import { Accordion, Alert, Stack, Text } from "@mantine/core";
+import { Accordion, Alert, Stack } from "@mantine/core";
 import { useTranslation } from "react-i18next";
 
 import type { BrokerageAccount } from "@/entities/brokerage-account";
 import type { Portfolio } from "@/entities/portfolio";
 
 import { BrokerageEventsPreview } from "@/entities/brokerage-event";
-import { InvestmentRefreshState } from "@/features/tbank-connection";
-import { formatSnapshotTime } from "@/shared/lib";
 
 import type { AccountPagePositionSection } from "../../../model/positions";
 import type {
@@ -34,10 +32,6 @@ type AccountPageLoadedProps = {
 	positionSections: AccountPagePositionSection[];
 	recentEvents: AccountPageRecentEvents;
 	recentOperations: AccountPageRecentOperations;
-	refreshError?: boolean;
-	refreshing?: boolean;
-	retry?: () => void;
-	sourceError?: boolean;
 };
 
 const AccountPageLoaded: FC<AccountPageLoadedProps> = (props) => {
@@ -55,27 +49,6 @@ const AccountPageLoaded: FC<AccountPageLoadedProps> = (props) => {
 		<Stack gap="lg">
 			<AccountHeading account={props.account} accountId={props.accountId} />
 
-			<InvestmentRefreshState
-				labelScope="portfolio"
-				refreshError={props.refreshError ?? false}
-				refreshing={props.refreshing ?? false}
-				retry={props.retry}
-				sourceError={props.sourceError}
-			/>
-
-			{!!props.portfolio.isStale && <Alert color="blue">{t("portfolio.staleWarning")}</Alert>}
-
-			<Text c="dimmed" size="sm">
-				{t(
-					props.accountId === "all"
-						? "portfolio.allUpdatedAt"
-						: "portfolio.updatedAt",
-					{
-						date: formatSnapshotTime(props.portfolio.lastSuccessfulAt),
-					},
-				)}
-			</Text>
-
 			{props.partial
 				? <Alert role="status">{t("investment.partial")}</Alert>
 				: <CurrencyCards amounts={props.portfolio.totalsByCurrency} />}

src/pages/account/ui/AccountPage/components/IncomeSummary.view.tsx

@@ -8,30 +8,30 @@ import { Link } from "react-router";
 import type { IncomeSummary as IncomeSummaryData } from "@/entities/income";
 
 import { formatMoney } from "@/shared/lib";
-import { SourceSyncStatus } from "@/shared/ui";
 
 type IncomeSummaryProps
 	= | {
-		lastSuccessfulAt?: null | string;
-		refreshError?: boolean;
-		stale?: boolean;
+		state: "empty";
+		to: string;
+	}
+	| { state: "error"; to: string }
+	| {
 		state: "loaded";
 		summary: IncomeSummaryData;
 		to: string;
 	}
-	| { retry: () => void; state: "error"; to: string }
-	| { state: "empty"; to: string }
-	| { state: "loading"; to: string }
-	| { state: "partial"; to: string };
+	| {
+		state: "loading";
+		to: string;
+	}
+	| {
+		state: "partial";
+		to: string;
+	};
 
 const IncomeSummary: FC<IncomeSummaryProps> = (props) => {
 	const { t } = useTranslation();
 
-	const errorText
-		= props.state === "loaded" && props.refreshError
-			? t("income.refreshError")
-			: null;
-
 	if (props.state === "loading" || props.state === "partial")
 		return (
 			<Text c="dimmed" role="status">
@@ -45,9 +45,6 @@ const IncomeSummary: FC<IncomeSummaryProps> = (props) => {
 	if (props.state === "error")
 		return (
 			<StateView
-				action={
-					<Button onClick={props.retry}>{t("income.summaryRetry")}</Button>
-				}
 				error
 				text={t("income.errorText")}
 				title={t("income.summaryError")}
@@ -66,12 +63,6 @@ const IncomeSummary: FC<IncomeSummaryProps> = (props) => {
 
 	return (
 		<Stack gap="xs">
-			<SourceSyncStatus
-				errorText={errorText}
-				lastSuccessfulAt={props.lastSuccessfulAt}
-				stale={props.stale}
-			/>
-
 			{props.summary.totalsByCurrency.map(total => (
 				<Paper key={total.currency} p="sm" withBorder>
 					<Text fw={700}>{formatMoney(total.total)}</Text>

src/pages/account/ui/AccountPage/components/RecentOperations.view.tsx

@@ -1,12 +1,11 @@
 import type { FC } from "react";
 
-import { Alert, Button, Skeleton, Stack, Text } from "@mantine/core";
+import { Button, Skeleton, Stack, Text } from "@mantine/core";
 import { LoadingSkeleton } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
 import { Link } from "react-router";
 
 import { LedgerEntryRow } from "@/entities/broker-operation";
-import { SourceSyncStatus } from "@/shared/ui";
 
 import type { AccountPageRecentOperations } from "../../../model/previews";
 
@@ -18,28 +17,15 @@ const RecentOperations: FC<RecentOperationsProps> = (props) => {
 	const { t } = useTranslation();
 	const { operations } = props;
 
-	const errorText
-		= operations.state === "loaded" && operations.refreshError
-			? t("accounts.refreshError")
-			: null;
-
 	return (
 		<Stack gap="sm">
-			{operations.state === "loaded" && (
-				<SourceSyncStatus
-					errorText={errorText}
-					lastSuccessfulAt={operations.lastSuccessfulAt}
-					stale={operations.stale}
-				/>
-			)}
-
 			{operations.state === "loading" && (
 				<LoadingSkeleton label={t("ledger.recentLoading")}>
 					{["first", "second", "third"].map(placeholder => <Skeleton height={48} key={placeholder} radius="sm" />)}
 				</LoadingSkeleton>
 			)}
 
-			{operations.state === "error" && <Alert color="red">{t("ledger.recentError")}</Alert>}
+			{operations.state === "error" && <Text c="dimmed">{t("states.unavailableTitle")}</Text>}
 
 			{operations.state === "empty" && <Text c="dimmed">{t("ledger.recentEmpty")}</Text>}
 

src/pages/accounts/ui/AccountsPage/AccountsPage.test.tsx

@@ -1,6 +1,6 @@
 import { MantineProvider } from "@mantine/core";
 import { type QueryClient, QueryClientProvider } from "@tanstack/react-query";
-import { fireEvent, render, screen, waitFor } from "@testing-library/react";
+import { render, screen, waitFor } from "@testing-library/react";
 import { http, HttpResponse } from "msw";
 import { MemoryRouter } from "react-router";
 import { describe, expect, it, vi } from "vitest";
@@ -58,10 +58,11 @@ describe("AccountsPage", () => {
 			}),
 		);
 		renderPage(createTestQueryClient());
-		fireEvent.click(await screen.findByRole("button", { name: "Повторить" }));
-		expect(await screen.findByText(account.name)).toBeVisible();
+		expect(await screen.findByText(account.name, undefined, {
+			timeout: 4000,
+		})).toBeVisible();
 
-		expect(modes).toEqual([null, "observe"]);
+		expect(modes).toEqual([null, null]);
 	});
 	it.each([
 		["loading", AccountsPageLoading, "status"],
@@ -81,17 +82,16 @@ describe("AccountsPage", () => {
 			).toBeInTheDocument();
 	});
 
-	it("routes connection errors to settings and keeps retry available", () => {
-		const retry = vi.fn();
+	it("routes connection errors to settings without technical retry", () => {
 		render(
 			<MantineProvider>
 				<MemoryRouter>
-					<AccountsPageError code="TBANK_UNAVAILABLE" retry={retry} />
+					<AccountsPageError code="TBANK_NOT_CONNECTED" />
 				</MemoryRouter>
 			</MantineProvider>,
 		);
-		fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
-		expect(retry).toHaveBeenCalledOnce();
+		expect(screen.queryByRole("button", { name: "Повторить" }))
+			.not.toBeInTheDocument();
 		expect(
 			screen.getByRole("link", { name: "Открыть настройки T-Bank" }),
 		).toHaveAttribute("href", "/settings");
@@ -123,14 +123,13 @@ describe("AccountsPage", () => {
 
 		await waitFor(() => expect(requestCount).toBe(2));
 		expect(screen.getByText(account.name)).toBeInTheDocument();
-		expect(
-			screen.getByRole("status", { name: "Обновляем данные" }),
-		).toBeInTheDocument();
+		expect(screen.queryByRole("status", { name: "Обновляем данные" }))
+			.not.toBeInTheDocument();
 
 		resolveRefresh?.(HttpResponse.json(resource([account])));
 	});
 
-	it("keeps the cached account list and offers retry after a refresh error", async () => {
+	it("keeps the cached account list quietly after a refresh error", async () => {
 		const requests: unknown[] = [];
 		server.use(
 			http.post("*/api/v1/tbank-sync", async ({ request }) => {
@@ -161,17 +160,15 @@ describe("AccountsPage", () => {
 			queryKey: brokerageAccountsQueryKey,
 		});
 
-		const warning = await screen.findByText(
-			"Не удалось обновить данные. Показаны последние полученные.",
-		);
-
-		expect(warning).toBeInTheDocument();
+		await waitFor(() => expect(requestCount).toBe(2));
+		expect(
+			screen.queryByText(
+				"Не удалось обновить данные. Показаны последние полученные.",
+			),
+		).not.toBeInTheDocument();
+		expect(screen.queryByRole("button", { name: "Повторить" }))
+			.not.toBeInTheDocument();
 		expect(screen.getByText(account.name)).toBeInTheDocument();
-
-		fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
-		await waitFor(() => expect(requestCount).toBe(3));
-		await waitFor(() => expect(warning).not.toBeInTheDocument());
-		expect(screen.getByText(account.name)).toBeVisible();
 		expect(requests).toEqual([]);
 	});
 
@@ -194,11 +191,12 @@ describe("AccountsPage", () => {
 			queryKey: brokerageAccountsQueryKey,
 		});
 
+		await waitFor(() => expect(requestCount).toBe(2));
 		expect(
-			await screen.findByText(
+			screen.queryByText(
 				"Не удалось обновить данные. Показаны последние полученные.",
 			),
-		).toBeInTheDocument();
+		).not.toBeInTheDocument();
 		expect(screen.getByText("Нет инвестиционных счетов")).toBeInTheDocument();
 	});
 });
@@ -226,7 +224,7 @@ it.each(["idle", "failed"] as const)(
 			.not.toBeInTheDocument();
 		if (state === "failed")
 			// eslint-disable-next-line vitest/no-conditional-expect -- Each fixed state has a different observable recovery contract.
-			expect(await screen.findByRole("button", { name: "Повторить" }))
+			expect(await screen.findByRole("heading", { name: "Пока недоступно" }))
 				.toBeVisible();
 		else
 			// eslint-disable-next-line vitest/no-conditional-expect -- Each fixed state has a different observable recovery contract.

src/pages/accounts/ui/AccountsPage/AccountsPage.tsx

@@ -10,25 +10,11 @@ const AccountsPage: FC = () => {
 	const viewModel = useAccountsPageViewModel();
 	if (viewModel.state === "loading") return <AccountsPageLoading />;
 	if (viewModel.state === "error") return <AccountsPageError {...viewModel} />;
-	if (viewModel.state === "empty")
-		return (
-			<AccountsPageEmpty
-				lastSuccessfulAt={viewModel.lastSuccessfulAt}
-				refreshError={viewModel.refreshError}
-				refreshing={viewModel.refreshing}
-				retry={viewModel.retry}
-				sourceError={viewModel.sourceError}
-			/>
-		);
+	if (viewModel.state === "empty") return <AccountsPageEmpty />;
 
 	return (
 		<AccountsPageLoaded
 			accounts={viewModel.accounts}
-			lastSuccessfulAt={viewModel.lastSuccessfulAt}
-			refreshError={viewModel.refreshError}
-			refreshing={viewModel.refreshing}
-			retry={viewModel.retry}
-			sourceError={viewModel.sourceError}
 		/>
 	);
 };

src/pages/accounts/ui/AccountsPage/AccountsPage.vm.ts

@@ -1,45 +1,54 @@
 import {
+	type BrokerageAccountCard,
 	brokerageAccountCards,
 	useBrokerageAccounts,
 } from "@/entities/brokerage-account";
 import { useScreenSync } from "@/features/tbank-connection";
-import { apiErrorCode } from "@/shared/api";
+import { ApiErrorCode, apiErrorCode, isApiErrorCode } from "@/shared/api";
+import { useInitialAvailability } from "@/shared/lib";
 
-function useAccountsPageViewModel() {
+type AccountsPageViewModel
+	= | { accounts: BrokerageAccountCard[]; state: "loaded" }
+		| { code?: string; state: "error" }
+		| { state: "empty" }
+		| { state: "loading" };
+
+function isAccountsAccessFailure(code?: string) {
+	return isApiErrorCode(code, ApiErrorCode.InvalidTbankToken)
+		|| isApiErrorCode(code, ApiErrorCode.TbankNotConnected);
+}
+
+function useAccountsPageViewModel(): AccountsPageViewModel {
 	const accounts = useBrokerageAccounts();
-	const sync = useScreenSync({ screen: "accounts" }, [accounts]);
+	useScreenSync({ screen: "accounts" }, [accounts]);
 
-	if (
-		!accounts.data
-		|| (accounts.meta?.availability === "partial" && accounts.data.length === 0)
-	) {
-		if (!accounts.isError && accounts.meta?.sync.state !== "failed")
-			return { state: "loading" as const };
+	const code = apiErrorCode(accounts.error);
+	const isAccessFailure = isAccountsAccessFailure(code);
 
+	const hasResult = !!accounts.data
+		&& !(accounts.meta?.availability === "partial" && accounts.data.length === 0);
+
+	const availability = useInitialAvailability({
+		hasContent: hasResult,
+		identity: "accounts",
+		isError: accounts.isError || accounts.meta?.sync.state === "failed",
+		isFetching: accounts.isFetching,
+	});
+
+	if (isAccessFailure) return { code, state: "error" as const };
+
+	if (!hasResult || !accounts.data)
 		return {
-			code: apiErrorCode(accounts.error),
-			retry: sync.retry,
-			state: "error" as const,
-		};
-	}
-
-	const refresh = {
-		lastSuccessfulAt: accounts.meta?.lastSuccessfulAt,
-		refreshError: accounts.isError || sync.transportError || sync.sourceError,
-		refreshing: accounts.isFetching || sync.refreshing,
-		retry: sync.retry,
-		sourceError: sync.sourceError,
-	};
+			state: availability === "unavailable" ? "error" : "loading",
+		} as const;
 
 	if (accounts.data.length === 0)
 		return {
-			...refresh,
 			state: "empty" as const,
 		};
 
 	return {
 		accounts: brokerageAccountCards(accounts.data, accounts.meta?.dependencies),
-		...refresh,
 		state: "loaded" as const,
 	};
 }

src/pages/accounts/ui/AccountsPage/components/AccountsPageEmpty.view.tsx

@@ -1,26 +1,16 @@
 import type { FC } from "react";
 
-import { Stack } from "@mantine/core";
 import { StateView } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
 
-import {
-	InvestmentRefreshState,
-	type InvestmentRefreshStateProps,
-} from "@/features/tbank-connection";
-
-const AccountsPageEmpty: FC<InvestmentRefreshStateProps> = (props) => {
+const AccountsPageEmpty: FC = () => {
 	const { t } = useTranslation();
 
 	return (
-		<Stack>
-			<InvestmentRefreshState {...props} />
-
-			<StateView
-				text={t("accounts.emptyText")}
-				title={t("accounts.emptyTitle")}
-			/>
-		</Stack>
+		<StateView
+			text={t("accounts.emptyText")}
+			title={t("accounts.emptyTitle")}
+		/>
 	);
 };
 

src/pages/accounts/ui/AccountsPage/components/AccountsPageError.view.tsx

@@ -1,16 +1,16 @@
 import type { FC } from "react";
 
-import { Button, Stack } from "@mantine/core";
+import { Button } from "@mantine/core";
 import { StateView } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
 import { Link } from "react-router";
 
 import { ApiErrorCode, isApiErrorCode } from "@/shared/api";
 
-type AccountsPageErrorProps = { code?: string; retry?: () => void };
+type AccountsPageErrorProps = { code?: string };
 
 const AccountsPageError: FC<AccountsPageErrorProps> = (props) => {
-	const { code, retry } = props;
+	const { code } = props;
 	const { t } = useTranslation();
 
 	const settingsAction = (
@@ -37,28 +37,11 @@ const AccountsPageError: FC<AccountsPageErrorProps> = (props) => {
 				title={t("accounts.invalidTokenTitle")}
 			/>
 		);
-	if (isApiErrorCode(code, ApiErrorCode.TbankUnavailable))
-		return (
-			<StateView
-				action={(
-					<Stack align="flex-start">
-						<Button onClick={retry}>{t("accounts.retry")}</Button>
-
-						{settingsAction}
-					</Stack>
-				)}
-				error
-				text={t("accounts.unavailableText")}
-				title={t("accounts.unavailableTitle")}
-			/>
-		);
 
 	return (
 		<StateView
-			action={<Button onClick={retry}>{t("accounts.retry")}</Button>}
-			error
-			text={t("states.errorText")}
-			title={t("states.errorTitle")}
+			text={t("states.unavailableText")}
+			title={t("states.unavailableTitle")}
 		/>
 	);
 };

src/pages/accounts/ui/AccountsPage/components/AccountsPageLoaded.view.tsx

@@ -8,17 +8,12 @@ import {
 	type BrokerageAccountCard,
 	BrokerageAccountList,
 } from "@/entities/brokerage-account";
-import {
-	InvestmentRefreshState,
-	type InvestmentRefreshStateProps,
-} from "@/features/tbank-connection";
 
-type AccountsPageLoadedProps = InvestmentRefreshStateProps & {
+type AccountsPageLoadedProps = {
 	accounts: BrokerageAccountCard[];
 };
 
 const AccountsPageLoaded: FC<AccountsPageLoadedProps> = (props) => {
-	const { accounts, ...refresh } = props;
 	const { t } = useTranslation();
 
 	return (
@@ -31,8 +26,6 @@ const AccountsPageLoaded: FC<AccountsPageLoadedProps> = (props) => {
 				</Text>
 			</Stack>
 
-			<InvestmentRefreshState {...refresh} />
-
 			<Button
 				component={Link}
 				to="/accounts/all"
@@ -42,7 +35,7 @@ const AccountsPageLoaded: FC<AccountsPageLoadedProps> = (props) => {
 				{t("accounts.openAll")}
 			</Button>
 
-			<BrokerageAccountList accounts={accounts} />
+			<BrokerageAccountList accounts={props.accounts} />
 		</Stack>
 	);
 };

src/pages/bond/ui/BondPage/BondPage.test.tsx

@@ -352,11 +352,7 @@ describe("bond page", () => {
 	it("keeps market content and sold-position history when coupons fail", async () => {
 		setup({ failCoupons: true, noPosition: true });
 		await screen.findByText("98,125 %");
-		const message = await screen.findByText(/Не удалось загрузить этот раздел/);
-		expect(
-			// eslint-disable-next-line testing-library/no-node-access -- This assertion checks DOM structure, decoration or focus behavior that semantic queries cannot establish.
-			message.closest("[role=\"status\"]"),
-		).toHaveAttribute("aria-live", "polite");
+		expect(screen.queryByRole("button", { name: "Повторить" })).not.toBeInTheDocument();
 		expect(
 			screen.queryByRole("heading", { name: "Моя позиция" }),
 		).not.toBeInTheDocument();
@@ -364,38 +360,12 @@ describe("bond page", () => {
 			screen.getByRole("heading", { name: "Моя история событий" }),
 		).toBeVisible();
 	});
-	it("preserves cached quote on refresh failure", async () => {
-		const scopes: unknown[] = [];
-		server.use(
-			http.post("*/api/v1/tbank-sync", async ({ request }) => {
-				scopes.push(await request.json());
-
-				return HttpResponse.json(
-					{ code: "TBANK_UNAVAILABLE" },
-					{ status: 503 },
-				);
-			}),
-		);
+	it("preserves cached quote without manual refresh", async () => {
 		const controls = setup({ path: `/bonds/${uid}?period=year&events=trades` });
 		await screen.findByText("98,125 %");
 		controls.failQuote();
-		fireEvent.click(screen.getByRole("button", { name: "Обновить" }));
-		const message = await screen.findByText(/последние полученные/);
-		expect(
-			// eslint-disable-next-line testing-library/no-node-access -- This assertion checks DOM structure, decoration or focus behavior that semantic queries cannot establish.
-			message.closest("[role=\"status\"]"),
-		).toHaveAttribute("aria-live", "polite");
 		expect(screen.getByText("98,125 %")).toBeVisible();
-		expect(scopes).toEqual([
-			{
-				accountId: "all",
-				candlePeriod: "year",
-				categories: ["trade"],
-				instrumentUid: uid,
-				limit: 20,
-				screen: "bond",
-			},
-		]);
+		expect(screen.queryByRole("button", { name: "Обновить" })).not.toBeInTheDocument();
 	});
 	it("offers search for an ambiguous or missing instrument without loading personal data", async () => {
 		const { requests } = setup({ ambiguousTicker: true, path: "/bonds/SAME" });

src/pages/bond/ui/BondPage/BondPage.tsx

@@ -15,7 +15,6 @@ const BondPage: FC = () => {
 			code={vm.code}
 			kind="bond"
 			loading={vm.bondState.loading}
-			retry={vm.bondState.retry}
 		/>
 	);
 

src/pages/bond/ui/BondPage/BondPage.view.tsx

@@ -1,7 +1,6 @@
 import type { FC } from "react";
 
 import {
-	Alert,
 	Badge,
 	Group,
 	Skeleton,
@@ -137,8 +136,6 @@ const BondPageView: FC<BondPageViewProps> = (props) => {
 			<InstrumentHeader
 				logoSrc={vm.logoSrc}
 				name={bond.name}
-				onRefresh={vm.refresh}
-				refreshing={vm.refreshing}
 				subtitle={subtitle}
 			>
 
@@ -156,20 +153,8 @@ const BondPageView: FC<BondPageViewProps> = (props) => {
 					)}
 				</Group>
 
-				{!!(vm.refreshError || vm.bondState.error || vm.quoteState.error) && (
-					<Alert aria-live="polite" color="orange" mt="md" role="status">
-						{t(vm.quote ? "accounts.refreshError" : "stock.sectionError")}
-					</Alert>
-				)}
-
 				{quoteContent}
 
-				{!!(vm.quoteState.refreshing || vm.bondState.refreshing) && (
-					<Text c="dimmed" role="status" size="xs">
-						{t("accounts.refreshing")}
-					</Text>
-				)}
-
 				<InstrumentTerms title={t("bond.terms")}>
 
 					<InstrumentMetrics>

src/pages/bond/ui/BondPage/BondPage.vm.ts

@@ -42,7 +42,7 @@ function useBondPageVm() {
 
 	const { operations } = history;
 
-	const sync = useScreenSync(
+	useScreenSync(
 		{
 			accountId: "all",
 			candlePeriod: period,
@@ -56,29 +56,26 @@ function useBondPageVm() {
 
 	return {
 		bond: bond.data,
-		bondState: section(bond, uid ? sync.retry : () => bond.refetch()),
+		bondState: section(bond),
 		candles: candles.data,
-		candlesState: section(candles, sync.retry),
+		candlesState: section(candles),
 		canonicalTo:
 			bond.data?.slug && bond.data.slug !== bondId
 				? `/bonds/${encodeURIComponent(bond.data.slug)}${search}`
 				: null,
 		code: apiErrorCode(bond.error),
 		coupons: coupons.data,
-		couponsState: section(coupons, sync.retry),
+		couponsState: section(coupons),
 		eventRows: toInstrumentEventRows(operations.data?.items, bond.data),
 		filter,
 		hasPrevious: history.hasPrevious,
 		logoSrc: instrumentLogoUrl(bond.data?.logoName),
 		metrics: metrics.data,
-		metricsState: section(metrics, sync.retry),
+		metricsState: section(metrics),
 		onNext: history.onNext,
 		onPrevious: history.onPrevious,
 		operations: operations.data,
-		operationsState: {
-			...section(operations, sync.retry),
-			retry: () => history.retry(sync.retry),
-		},
+		operationsState: section(operations),
 		pastCoupons:
 			coupons.data?.coupons
 				.filter(event => event.timing !== "upcoming")
@@ -87,12 +84,9 @@ function useBondPageVm() {
 				) ?? [],
 		period,
 		position: position.data,
-		positionState: section(position, sync.retry),
+		positionState: section(position),
 		quote: quote.data,
-		quoteState: section(quote, sync.retry),
-		refresh: sync.refresh,
-		refreshError: sync.transportError || sync.sourceError,
-		refreshing: sync.refreshing,
+		quoteState: section(quote),
 		setFilter,
 		setPeriod,
 		upcoming:

src/pages/bonds/ui/BondsPage/BondsPage.vm.ts

@@ -10,12 +10,14 @@ function useBondsPageVm() {
 	const search = useInstrumentSearch(MIN_BOND_SEARCH_LENGTH);
 	const { canSearch, debounced, isWaiting, query } = search;
 	const result = useBondSearch(debounced);
-	const sync = useScreenSync({ query: debounced, screen: "bonds" }, [result]);
+	useScreenSync({ query: debounced, screen: "bonds" }, [result]);
 
 	return {
 		canSearch,
 		code: apiErrorCode(result.error),
-		error: result.isError || sync.sourceError || sync.transportError,
+		error:
+			!result.data
+			&& (result.isError || result.meta?.sync.state === "failed"),
 		items:
 			result.data?.map(bond => ({
 				...bond,
@@ -35,10 +37,6 @@ function useBondsPageVm() {
 			debounced.length >= MIN_BOND_SEARCH_LENGTH
 			&& !isWaiting
 			&& Boolean(result.data),
-		refreshing: sync.refreshing,
-		retry: () => {
-			void sync.retry();
-		},
 	};
 }
 

src/pages/card/ui/CardPage/CardPage.test.tsx

@@ -256,21 +256,19 @@ describe("CardPage", () => {
 			}),
 		);
 		fireEvent.click(screen.getByRole("button", { name: "Далее" }));
-		await waitFor(() =>
-			expect(screen.getByRole("button", { name: "Далее" })).toBeDisabled(),
-		);
+		await waitFor(() => {
+			expect(screen.queryByRole("alert")).not.toBeInTheDocument();
+		});
 		expect(screen.getByText("Перевод на «Запасная»")).toBeInTheDocument();
 		expect(screen.getByRole("button", { name: "Изменить" })).toBeDisabled();
-		expect(
-			screen.queryByLabelText("Загрузка операций"),
-		).not.toBeInTheDocument();
+		expect(screen.queryByLabelText("Загрузка операций")).not.toBeInTheDocument();
 		expect(scroll).not.toHaveBeenCalled();
 		measure.mockReturnValue({ top: 200 } as DOMRect);
 		release();
 		await screen.findByText(/Новая страница/);
-		// eslint-disable-next-line testing-library/no-node-access -- This assertion checks DOM structure, decoration or focus behavior that semantic queries cannot establish.
-		const list = screen.getByText(/Новая страница/).closest("[aria-busy]");
-		expect(list?.parentElement?.style.minHeight).toBe("");
+		const newPageText = screen.getByText(/Новая страница/);
+		expect(newPageText).toBeInTheDocument();
+
 		expect(scroll).toHaveBeenCalledExactlyOnceWith({
 			behavior: "instant",
 			top: -400,
@@ -317,7 +315,9 @@ describe("CardPage", () => {
 	it("keeps card and journal when summary fails", async () => {
 		setup({ summaryError: true });
 		await screen.findByRole("heading", { name: "Повседневная" });
-		await screen.findByRole("alert");
+		expect(
+			screen.queryByRole("alert"),
+		).not.toBeInTheDocument();
 		expect(
 			await screen.findByText("Перевод на «Запасная»"),
 		).toBeInTheDocument();
@@ -331,7 +331,9 @@ describe("CardPage", () => {
 			http.get("*/api/v1/bank-cards/a/operations", () => HttpResponse.error()),
 		);
 		await client.invalidateQueries();
-		await screen.findAllByRole("alert");
+		await waitFor(() => {
+			expect(screen.queryByRole("alert")).not.toBeInTheDocument();
+		});
 		expect(
 			screen.getByRole("heading", { name: "Повседневная" }),
 		).toBeInTheDocument();
@@ -401,9 +403,9 @@ describe("CardPage", () => {
 	it("recovers the prerequisite card list while preserving the visible balance and journal", async () => {
 		setup({ cardsError: true });
 		await screen.findByText("Перевод на «Запасная»");
-		expect(await screen.findByRole("alert")).toHaveTextContent(
-			"Не удалось загрузить данные карт.",
-		);
+		expect(
+			screen.queryByRole("alert"),
+		).not.toBeInTheDocument();
 		expect(
 			screen.getByRole("button", { name: "Добавить операцию" }),
 		).toBeDisabled();
@@ -412,11 +414,6 @@ describe("CardPage", () => {
 				HttpResponse.json([card, { ...card, id: "b", name: "Запасная" }]),
 			),
 		);
-		fireEvent.click(
-			within(screen.getByRole("alert")).getByRole("button", {
-				name: "Повторить",
-			}),
-		);
 		await waitFor(() =>
 			expect(
 				screen.getByRole("button", { name: "Добавить операцию" }),

src/pages/card/ui/CardPage/CardPage.view.tsx

@@ -75,7 +75,6 @@ const CardPageView: FC<CardPageViewProps> = (props) => {
 							{t("bank.back")}
 						</Button>
 
-						{!vm.notFound && <Button onClick={vm.retryCard}>{t("bank.retry")}</Button>}
 					</Group>
 				)}
 				error
@@ -125,27 +124,16 @@ const CardPageView: FC<CardPageViewProps> = (props) => {
 				</div>
 
 				{!!vm.archiveError && (
-					<BankFeedback error={vm.archiveError} retry={vm.retryCard} />
+					<BankFeedback error={vm.archiveError} />
 				)}
 
 				{card.archivedAt && <Text>{t("bank.archiveHint")}</Text>}
 			</Stack>
 
-			{vm.cardRefreshError && (
-				<Group role="alert">
-					<Text>{t("bank.refreshError")}</Text>
-
-					<Button onClick={vm.retryCard}>{t("bank.retry")}</Button>
-				</Group>
-			)}
-
-			{vm.cardRefreshing && <Text role="status">{t("bank.refreshing")}</Text>}
-
 			{vm.cardsFeedback && (
 				<BankFeedback
 					{...vm.cardsFeedback}
 					loadingError
-					retry={vm.retryCards}
 				/>
 			)}
 
@@ -187,7 +175,6 @@ const CardPageView: FC<CardPageViewProps> = (props) => {
 			</Group>
 
 			<Stack
-				aria-busy={vm.history.refreshing}
 				className={classes.operations}
 				data-pending={vm.history.changingPage || undefined}
 				gap="lg"
@@ -196,13 +183,7 @@ const CardPageView: FC<CardPageViewProps> = (props) => {
 				<CardHistory history={vm.history} period={vm.period} rows={vm.rows} />
 			</Stack>
 
-			{vm.history.error && (
-				<Group role="alert">
-					<Text>{t(vm.rows ? "bank.refreshError" : "bank.error")}</Text>
-
-					<Button onClick={vm.history.retry}>{t("bank.retry")}</Button>
-				</Group>
-			)}
+			{vm.history.error && !vm.rows && <Text role="alert">{t("bank.error")}</Text>}
 
 			{vm.history.page !== undefined && vm.pageSize !== "all" && (
 				<Group
@@ -213,7 +194,6 @@ const CardPageView: FC<CardPageViewProps> = (props) => {
 					ref={paginationRef}
 				>
 					<Pagination
-						disabled={vm.history.refreshing}
 						getControlProps={getControlProps}
 						getItemProps={getItemProps}
 						onChange={onPageChange}

src/pages/card/ui/CardPage/CardPage.vm.ts

@@ -115,8 +115,6 @@ function useCardPageVm() {
 			error: history.isError,
 			loading: history.isLoading,
 			page: history.data?.page,
-			refreshing: history.isFetching,
-			retry: () => void history.refetch(),
 		},
 		notFound: isApiErrorCode(
 			apiErrorCode(card.error),
@@ -128,8 +126,6 @@ function useCardPageVm() {
 		page,
 		pageSize,
 		period,
-		retryCard: () => void card.refetch(),
-		retryCards: () => void cards.refetch(),
 		rows,
 		setPage: (value: number) =>
 			setParameters({ ...period, limit: pageSize, page: String(value) }),
@@ -146,7 +142,6 @@ function useCardPageVm() {
 			error: summary.isError,
 			fetching: summary.isFetching,
 			loading: summary.isLoading,
-			retry: () => void summary.refetch(),
 		},
 		toggleArchive: () => {
 			if (!card.data) return;

src/pages/card/ui/DeleteOperation/DeleteOperation.vm.ts

@@ -1,3 +1,4 @@
+import { notifications } from "@mantine/notifications";
 import { useState } from "react";
 import { useTranslation } from "react-i18next";
 
@@ -44,10 +45,16 @@ function useDeleteOperationVm(props: DeleteOperationProps) {
 		setError(undefined);
 
 		try {
+			const actionId = crypto.randomUUID();
 			await operationDeletion.mutateAsync({
 				id: record.id,
 				version: record.version,
 			});
+
+			notifications.show({
+				id: "bank-operation-deleted-" + actionId,
+				message: t("bank.operationDeleted"),
+			});
 			setOpened(false);
 		}
 		catch (error_) {

src/pages/card/ui/OperationForm/OperationForm.vm.ts

@@ -1,4 +1,5 @@
 import { zodResolver } from "@hookform/resolvers/zod";
+import { notifications } from "@mantine/notifications";
 import { useState } from "react";
 import { useForm, useWatch } from "react-hook-form";
 import { useTranslation } from "react-i18next";
@@ -112,6 +113,8 @@ const useOperationFormVm = (props: OperationFormProps) => {
 				description: values.description,
 			};
 
+			const actionId = crypto.randomUUID();
+
 			if (props.operation)
 				await updateOperation.mutateAsync({
 					body: { ...body, version },
@@ -122,6 +125,11 @@ const useOperationFormVm = (props: OperationFormProps) => {
 					id: intent,
 					...body,
 				});
+
+			notifications.show({
+				id: "bank-operation-saved-" + actionId,
+				message: t("bank.operationSaved"),
+			});
 			setOpened(false);
 		}
 		catch (error_) {

src/pages/cards/ui/CardsPage/CardsPage.test.tsx

@@ -198,26 +198,26 @@ describe("CardsPage", () => {
 	it("shows retry after failure instead of presenting an empty list", async () => {
 		renderCards(true);
 		// Mount starts asynchronously; this handler owns the request.
-		expect(await screen.findByRole("alert")).toHaveTextContent(
-			"Не удалось загрузить данные карт.",
-		);
+		expect(
+			screen.queryByRole("alert"),
+		).not.toBeInTheDocument();
 		expect(
 			screen.queryByRole("heading", { name: "Добавьте первую карту" }),
 		).not.toBeInTheDocument();
+		expect(screen.queryByRole("alert")).not.toBeInTheDocument();
 		server.use(http.get("*/api/v1/bank-cards", () => HttpResponse.json([])));
-		fireEvent.click(
-			within(screen.getByRole("alert")).getByRole("button", {
-				name: "Повторить",
-			}),
-		);
-		await screen.findByRole("heading", { name: "Добавьте первую карту" });
+		await waitFor(() => {
+			expect(
+				screen.queryByRole("alert"),
+			).not.toBeInTheDocument();
+		});
 	});
 	it("makes failed category loading recoverable without hiding successful cards data", async () => {
 		renderCards(false, true);
 		await screen.findByRole("heading", { name: "Добавьте первую карту" });
-		expect(await screen.findByRole("alert")).toHaveTextContent(
-			"Не удалось загрузить данные карт.",
-		);
+		expect(
+			screen.queryByRole("alert"),
+		).not.toBeInTheDocument();
 		server.use(
 			http.get("*/api/v1/bank-cards/categories", () =>
 				HttpResponse.json([
@@ -225,12 +225,11 @@ describe("CardsPage", () => {
 				]),
 			),
 		);
-		fireEvent.click(
-			within(screen.getByRole("alert")).getByRole("button", {
-				name: "Повторить",
-			}),
-		);
-		await screen.findByRole("button", { name: "Категории" });
+		await waitFor(() => {
+			expect(
+				screen.getByRole("button", { name: "Категории" }),
+			).toBeInTheDocument();
+		});
 		expect(screen.queryByRole("alert")).not.toBeInTheDocument();
 	});
 });

src/pages/cards/ui/CardsPage/CardsPage.view.tsx

@@ -9,7 +9,6 @@ import {
 	Skeleton,
 	Stack,
 	Switch,
-	Text,
 	Title,
 } from "@mantine/core";
 import { AddIcon, CategoriesIcon } from "@wealthledger/icons";
@@ -19,7 +18,6 @@ import { Link } from "react-router";
 
 import {
 	BankCardFace,
-	BankFeedback,
 	BankPeriodPicker,
 	BankSummaryView,
 } from "@/entities/bank-card";
@@ -107,18 +105,6 @@ const CardsPageView: FC<CardsPageViewProps> = (props) => {
 
 			<CardsPageViewCards {...props} />
 
-			{vm.cards.isError && (
-				<Group role="alert">
-					<Text>{t(vm.items ? "bank.refreshError" : "bank.error")}</Text>
-
-					<Button onClick={vm.retryCards} variant="default">
-						{t("bank.retry")}
-					</Button>
-				</Group>
-			)}
-
-			{vm.cards.data && vm.cards.isFetching && <Text role="status">{t("bank.refreshing")}</Text>}
-
 			<Group align="flex-end" justify="space-between">
 				<BankPeriodPicker onChange={vm.setPeriod} period={vm.period} />
 
@@ -140,17 +126,7 @@ const CardsPageView: FC<CardsPageViewProps> = (props) => {
 				error={vm.summary.isError}
 				fetching={vm.summary.isFetching}
 				loading={vm.summary.isLoading}
-				retry={vm.retrySummary}
 			/>
-
-			{vm.categories.isError && (
-				<BankFeedback
-					cached={Boolean(vm.categories.data)}
-					error={vm.categories.error}
-					loadingError
-					retry={vm.retryCategories}
-				/>
-			)}
 		</Stack>
 	);
 };

src/pages/cards/ui/CardsPage/CardsPage.vm.ts

@@ -39,9 +39,6 @@ function useCardsPageVm() {
 			setArchive(event.currentTarget.checked),
 		onCategories: () => setManagingCategories(true),
 		period,
-		retryCards: () => void cards.refetch(),
-		retryCategories: () => void categories.refetch(),
-		retrySummary: () => void summary.refetch(),
 		setPeriod: (value: [null | string, null | string]) => {
 			if (value[0] && value[1]) setParameters({ from: value[0], to: value[1] });
 		},

src/pages/stock/ui/StockPage/StockPage.test.tsx

@@ -396,37 +396,15 @@ describe("stock page", () => {
 			screen.queryByRole("heading", { name: "Моя позиция" }),
 		).not.toBeInTheDocument();
 		expect(screen.getByRole("heading", { name: "График цены" })).toBeVisible();
-		const message = await screen.findByText(/Не удалось загрузить этот раздел/);
-		expect(
-			// eslint-disable-next-line testing-library/no-node-access -- This assertion checks DOM structure, decoration or focus behavior that semantic queries cannot establish.
-			message.closest("[role=\"status\"]"),
-		).toHaveAttribute("aria-live", "polite");
+		expect(screen.queryByRole("button", { name: "Повторить" })).not.toBeInTheDocument();
 	});
-	it("recovers an initially missing company section without reloading successful sections", async () => {
+	it("keeps successful sections visible when company data is initially missing", async () => {
 		const { requests } = setup({ failCompany: true });
-		const retry = await screen.findByRole("button", { name: "Повторить" });
 		await screen.findByText("Зачисление дивидендов");
-		const modes: (null | string)[] = [];
-		server.use(
-			http.get("*/api/v1/stocks/:uid/company", ({ request }) => {
-				modes.push(new URL(request.url).searchParams.get("sync"));
-
-				return HttpResponse.json(
-					resource({
-						description: "Восстановленное описание",
-						metrics: [],
-						observedAt: quote.observedAt,
-						unavailable: [],
-					}),
-				);
-			}),
-		);
 		const previousRequests = requests.length;
-		fireEvent.click(retry);
-		expect(await screen.findByText("Восстановленное описание")).toBeVisible();
 		expect(screen.getByText("Зачисление дивидендов")).toBeVisible();
 		expect(requests).toHaveLength(previousRequests);
-		expect(modes).toEqual(["observe"]);
+		expect(screen.queryByRole("button", { name: "Повторить" })).not.toBeInTheDocument();
 	});
 	it("sends instrument-filtered continuation, restores it on returning to the filter and changes chart period", async () => {
 		const { requests } = setup();
@@ -469,75 +447,28 @@ describe("stock page", () => {
 		);
 	});
 	it.each([
-		[
-			"INVALID_OPERATIONS_CURSOR",
-			null,
-			null,
-		],
-		["TBANK_UNAVAILABLE", "next", "observe"],
+		"INVALID_OPERATIONS_CURSOR",
+		"TBANK_UNAVAILABLE",
 	])(
-		"recovers history after %s with fresh data and the correct cursor",
-		async (code, cursor, sync) => {
+		"keeps history quiet after %s without technical retry",
+		async (code) => {
 			const controls = setup({ cursorError: code });
 			await screen.findByText("Зачисление дивидендов");
 			fireEvent.click(screen.getByRole("button", { name: "Далее" }));
-			const retry = await screen.findByRole("button", { name: "Повторить" });
 			controls.recoverOperations();
-			const previousRequests = controls.requests.length;
-			fireEvent.click(retry);
-			expect(await screen.findByText("+201 ₽")).toBeVisible();
-			const recovered = controls.requests.slice(previousRequests);
-			expect(recovered).toHaveLength(1);
-			expect(recovered[0]?.pathname).toBe(
-				"/api/v1/brokerage-accounts/all/operations",
-			);
-			expect(recovered[0]?.searchParams.get("instrumentUid")).toBe(uid);
-			expect(recovered[0]?.searchParams.get("limit")).toBe("20");
-			expect(recovered[0]?.searchParams.get("cursor")).toBe(cursor);
-			expect(recovered[0]?.searchParams.get("sync")).toBe(sync);
-			if (cursor)
-				// eslint-disable-next-line vitest/no-conditional-expect -- The fixed table case selects the expected outcome; every case asserts its own branch.
-				expect(screen.getByRole("button", { name: "Назад" })).toBeEnabled();
-			// eslint-disable-next-line vitest/no-conditional-expect -- The fixed table case selects the expected outcome; every case asserts its own branch.
-			else expect(screen.getByRole("button", { name: "Назад" })).toBeDisabled();
+			expect(screen.queryByRole("button", { name: "Повторить" })).not.toBeInTheDocument();
+			expect(screen.getByRole("heading", { name: "Моя история событий" })).toBeVisible();
 		},
 	);
-	it("keeps the last quote on a refresh failure", async () => {
-		const scopes: unknown[] = [];
-		server.use(
-			http.post("*/api/v1/tbank-sync", async ({ request }) => {
-				scopes.push(await request.json());
-
-				return HttpResponse.json(
-					{ code: "TBANK_UNAVAILABLE" },
-					{ status: 503 },
-				);
-			}),
-		);
-
+	it("keeps the last quote without manual refresh", async () => {
 		const controls = setup({
 			path: `/stocks/${uid}?period=year&events=trades`,
 		});
 
 		await screen.findByText("300 ₽");
 		controls.failQuote();
-		fireEvent.click(screen.getByRole("button", { name: "Обновить" }));
-		const message = await screen.findByText(/последние полученные/);
-		expect(
-			// eslint-disable-next-line testing-library/no-node-access -- This assertion checks DOM structure, decoration or focus behavior that semantic queries cannot establish.
-			message.closest("[role=\"status\"]"),
-		).toHaveAttribute("aria-live", "polite");
 		expect(screen.getByText("300 ₽")).toBeVisible();
-		expect(scopes).toEqual([
-			{
-				accountId: "all",
-				candlePeriod: "year",
-				categories: ["trade"],
-				instrumentUid: uid,
-				limit: 20,
-				screen: "stock",
-			},
-		]);
+		expect(screen.queryByRole("button", { name: "Обновить" })).not.toBeInTheDocument();
 	});
 	it("offers recovery for an unavailable direct link", async () => {
 		setup({ failStock: true });

src/pages/stock/ui/StockPage/StockPage.tsx

@@ -15,7 +15,6 @@ const StockPage: FC = () => {
 			code={vm.code}
 			kind="stock"
 			loading={vm.stockState.loading}
-			retry={vm.stockState.retry}
 		/>
 	);
 

src/pages/stock/ui/StockPage/StockPage.view.tsx

@@ -1,9 +1,6 @@
 import type { FC } from "react";
 
-import {
-	Alert,
-	Text,
-} from "@mantine/core";
+import { Text } from "@mantine/core";
 import { useTranslation } from "react-i18next";
 
 import {
@@ -42,8 +39,6 @@ const StockPageView: FC<StockPageViewProps> = (props) => {
 			<InstrumentHeader
 				logoSrc={vm.logoSrc}
 				name={stock.name}
-				onRefresh={vm.refresh}
-				refreshing={vm.refreshing}
 				subtitle={subtitle}
 			>
 
@@ -53,12 +48,6 @@ const StockPageView: FC<StockPageViewProps> = (props) => {
 					</Text>
 				)}
 
-				{!!(vm.refreshError || vm.stockState.error || vm.quoteState.error) && (
-					<Alert aria-live="polite" color="orange" mt="md" role="status">
-						{t(vm.quote ? "accounts.refreshError" : "stock.sectionError")}
-					</Alert>
-				)}
-
 				<StockQuote quote={vm.quote} quoteState={vm.quoteState} />
 
 				<StockCompany

src/pages/stock/ui/StockPage/StockPage.vm.ts

@@ -42,7 +42,7 @@ function useStockPageVm() {
 
 	const { operations } = history;
 
-	const sync = useScreenSync(
+	useScreenSync(
 		{
 			accountId: "all",
 			candlePeriod: period,
@@ -56,16 +56,16 @@ function useStockPageVm() {
 
 	return {
 		candles: candles.data,
-		candlesState: section(candles, sync.retry),
+		candlesState: section(candles),
 		canonicalTo:
 			stock.data?.slug && stock.data.slug !== stockId
 				? `/stocks/${encodeURIComponent(stock.data.slug)}${search}`
 				: null,
 		code: apiErrorCode(stock.error),
 		company: company.data,
-		companyState: section(company, sync.retry),
+		companyState: section(company),
 		dividends: dividends.data,
-		dividendsState: section(dividends, sync.retry),
+		dividendsState: section(dividends),
 		eventRows: toInstrumentEventRows(operations.data?.items, stock.data),
 		filter,
 		hasPrevious: history.hasPrevious,
@@ -73,10 +73,7 @@ function useStockPageVm() {
 		onNext: history.onNext,
 		onPrevious: history.onPrevious,
 		operations: operations.data,
-		operationsState: {
-			...section(operations, sync.retry),
-			retry: () => history.retry(sync.retry),
-		},
+		operationsState: section(operations),
 		pastDividends:
 			dividends.data?.dividends
 				.filter(event => event.timing !== "upcoming")
@@ -85,16 +82,13 @@ function useStockPageVm() {
 				) ?? [],
 		period,
 		position: position.data,
-		positionState: section(position, sync.retry),
+		positionState: section(position),
 		quote: quote.data,
-		quoteState: section(quote, sync.retry),
-		refresh: sync.refresh,
-		refreshError: sync.transportError || sync.sourceError,
-		refreshing: sync.refreshing,
+		quoteState: section(quote),
 		setFilter,
 		setPeriod,
 		stock: stock.data,
-		stockState: section(stock, uid ? sync.retry : () => stock.refetch()),
+		stockState: section(stock),
 		upcoming:
 			dividends.data?.dividends
 				.filter(event => event.timing === "upcoming")

src/pages/stock/ui/StockPage/components/StockCompany.view.tsx

@@ -1,12 +1,6 @@
 import type { FC } from "react";
 
-import {
-	Alert,
-	Button,
-	Group,
-	Stack,
-	Text,
-} from "@mantine/core";
+import { Alert, Group, Stack, Text } from "@mantine/core";
 import { useTranslation } from "react-i18next";
 
 import {
@@ -80,17 +74,7 @@ const StockCompany: FC<StockCompanyProps> = (props) => {
 				<Stack gap="lg">
 					{props.company.unavailable.length > 0 && (
 						<Alert aria-live="polite" color="orange" role="status">
-							<Group justify="space-between">
-								<Text size="sm">{t("stock.partialCompany")}</Text>
-
-								<Button
-									onClick={props.companyState.retry}
-									size="xs"
-									variant="default"
-								>
-									{t("accounts.retry")}
-								</Button>
-							</Group>
+							<Text size="sm">{t("stock.partialCompany")}</Text>
 						</Alert>
 					)}
 

src/pages/stock/ui/StockPage/components/StockQuote.view.tsx

@@ -82,12 +82,6 @@ const StockQuote: FC<StockQuoteProps> = (props) => {
 						{t("stock.partialQuote")}
 					</Text>
 				)}
-
-				{!!props.quoteState.refreshing && (
-					<Text c="dimmed" role="status" size="xs">
-						{t("accounts.refreshing")}
-					</Text>
-				)}
 			</div>
 		);
 	}

src/pages/stocks/ui/StocksPage/StocksPage.vm.ts

@@ -10,12 +10,14 @@ function useStocksPageVm() {
 	const search = useInstrumentSearch(MIN_STOCK_SEARCH_LENGTH);
 	const { canSearch, debounced, isWaiting, query } = search;
 	const result = useStockSearch(debounced);
-	const sync = useScreenSync({ query: debounced, screen: "stocks" }, [result]);
+	useScreenSync({ query: debounced, screen: "stocks" }, [result]);
 
 	return {
 		canSearch,
 		code: apiErrorCode(result.error),
-		error: result.isError || sync.sourceError || sync.transportError,
+		error:
+			!result.data
+			&& (result.isError || result.meta?.sync.state === "failed"),
 		items:
 			result.data?.map(stock => ({
 				...stock,
@@ -35,10 +37,6 @@ function useStocksPageVm() {
 			debounced.length >= MIN_STOCK_SEARCH_LENGTH
 			&& !isWaiting
 			&& Boolean(result.data),
-		refreshing: sync.refreshing,
-		retry: () => {
-			void sync.retry();
-		},
 	};
 }
 

src/shared/api/client.test.ts

@@ -1,12 +1,26 @@
 import { http, HttpResponse } from "msw";
-import { describe, expect, it, vi } from "vitest";
+import { afterEach, describe, expect, it, vi } from "vitest";
 
 import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 
 import { apiClient, configureAuthClient } from "./client";
 
+async function advanceReadDeadlineRecovery() {
+	await vi.advanceTimersByTimeAsync(15_000);
+	await vi.advanceTimersByTimeAsync(1000);
+}
+
+async function advanceTransportRecovery() {
+	await vi.advanceTimersByTimeAsync(1000);
+	await vi.advanceTimersByTimeAsync(2000);
+}
+
 describe("apiClient authentication", () => {
+	afterEach(() => {
+		vi.useRealTimers();
+	});
+
 	it("refreshes once and retries an unauthorized protected request", async () => {
 		let token = "expired";
 
@@ -109,3 +123,186 @@ describe("apiClient authentication", () => {
 		await response;
 	});
 });
+
+describe("apiClient transient read recovery", () => {
+	afterEach(() => {
+		vi.useRealTimers();
+	});
+
+	it("recovers a protected GET after transient server failures", async () => {
+		vi.useFakeTimers();
+		let requests = 0;
+		server.use(
+			http.get("*/api/v1/brokerage-accounts", () => {
+				requests += 1;
+
+				return requests < 3
+					? HttpResponse.json({ code: "TBANK_UNAVAILABLE" }, { status: 503 })
+					: HttpResponse.json(resource([{ id: "account-1" }]));
+			}),
+		);
+		configureAuthClient({
+			accessToken: () => "token",
+			clear: vi.fn(),
+			refresh: () => Promise.resolve(true),
+		});
+
+		const response = apiClient.GET("/api/v1/brokerage-accounts");
+		await advanceTransportRecovery();
+
+		await expect(response).resolves.toMatchObject({
+			data: { data: [{ id: "account-1" }] },
+		});
+		expect(requests).toBe(3);
+	});
+
+	it("recovers a protected GET after network failure", async () => {
+		vi.useFakeTimers();
+		let requests = 0;
+		server.use(
+			http.get("*/api/v1/brokerage-accounts", () => {
+				requests += 1;
+
+				return requests === 1
+					? HttpResponse.error()
+					: HttpResponse.json(resource([{ id: "account-1" }]));
+			}),
+		);
+		configureAuthClient({
+			accessToken: () => "token",
+			clear: vi.fn(),
+			refresh: () => Promise.resolve(true),
+		});
+
+		const response = apiClient.GET("/api/v1/brokerage-accounts");
+		await advanceTransportRecovery();
+
+		await expect(response).resolves.toMatchObject({
+			data: { data: [{ id: "account-1" }] },
+		});
+		expect(requests).toBe(2);
+	});
+
+	it("times out a stalled response body before retrying", async () => {
+		vi.useFakeTimers();
+		let requests = 0;
+		server.use(
+			http.get("*/api/v1/brokerage-accounts", () => {
+				requests += 1;
+
+				return requests === 1
+					? new Response(new ReadableStream())
+					: HttpResponse.json(resource([{ id: "account-1" }]));
+			}),
+		);
+		configureAuthClient({
+			accessToken: () => "token",
+			clear: vi.fn(),
+			refresh: () => Promise.resolve(true),
+		});
+
+		const response = apiClient.GET("/api/v1/brokerage-accounts");
+		await advanceReadDeadlineRecovery();
+
+		await expect(response).resolves.toMatchObject({
+			data: { data: [{ id: "account-1" }] },
+		});
+		expect(requests).toBe(2);
+	});
+
+	it("does not retry rate limited reads before the server delay", async () => {
+		let requests = 0;
+		server.use(
+			http.get("*/api/v1/brokerage-accounts", () => {
+				requests += 1;
+
+				return HttpResponse.json(
+					{ code: "RATE_LIMITED" },
+					{ headers: { "Retry-After": "60" }, status: 429 },
+				);
+			}),
+		);
+		configureAuthClient({
+			accessToken: () => "token",
+			clear: vi.fn(),
+			refresh: () => Promise.resolve(true),
+		});
+
+		await apiClient.GET("/api/v1/brokerage-accounts");
+
+		expect(requests).toBe(1);
+	});
+
+	it("does not retry malformed successful responses as transport failures", async () => {
+		let requests = 0;
+		server.use(
+			http.get("*/api/v1/brokerage-accounts", () => {
+				requests += 1;
+
+				return new Response("not json", {
+					headers: { "Content-Type": "application/json" },
+					status: 200,
+				});
+			}),
+		);
+		configureAuthClient({
+			accessToken: () => "token",
+			clear: vi.fn(),
+			refresh: () => Promise.resolve(true),
+		});
+
+		await expect(
+			apiClient.GET("/api/v1/brokerage-accounts"),
+		).rejects.toThrow(SyntaxError);
+
+		expect(requests).toBe(1);
+	});
+
+	it.each([401, 403, 404, 409])(
+		"does not retry permanent HTTP %s responses",
+		async (status) => {
+			let requests = 0;
+			server.use(
+				http.get("*/api/v1/brokerage-accounts", () => {
+					requests += 1;
+
+					return HttpResponse.json({ code: "FORBIDDEN" }, { status });
+				}),
+			);
+			configureAuthClient({
+				accessToken: () => "token",
+				clear: vi.fn(),
+				refresh: () => Promise.resolve(false),
+			});
+
+			await apiClient.GET("/api/v1/brokerage-accounts");
+
+			expect(requests).toBe(1);
+		},
+	);
+
+	it("does not retry mutations", async () => {
+		let requests = 0;
+		server.use(
+			http.put("*/api/v1/tbank-connection", () => {
+				requests += 1;
+
+				return HttpResponse.json(
+					{ code: "TBANK_UNAVAILABLE" },
+					{ status: 503 },
+				);
+			}),
+		);
+		configureAuthClient({
+			accessToken: () => "token",
+			clear: vi.fn(),
+			refresh: () => Promise.resolve(true),
+		});
+
+		await apiClient.PUT("/api/v1/tbank-connection", {
+			body: { token: "token" },
+		});
+
+		expect(requests).toBe(1);
+	});
+});

src/shared/api/client.ts

@@ -6,6 +6,17 @@ import type { paths } from "./generated/schema";
 import { ApiErrorCode, apiErrorCode, isApiErrorCode } from "./problem-details";
 
 const HTTP_UNAUTHORIZED = 401;
+const HTTP_REQUEST_TIMEOUT = 408;
+const HTTP_TOO_MANY_REQUESTS = 429;
+const HTTP_INTERNAL_SERVER_ERROR = 500;
+const HTTP_BAD_GATEWAY = 502;
+const HTTP_SERVICE_UNAVAILABLE = 503;
+const HTTP_GATEWAY_TIMEOUT = 504;
+const GET_DEADLINE_MS = 15_000;
+const FIRST_RETRY_DELAY_MS = 1000;
+const SECOND_RETRY_DELAY_MS = 2000;
+const RETRY_DELAYS_MS = [FIRST_RETRY_DELAY_MS, SECOND_RETRY_DELAY_MS] as const;
+const SECONDS_TO_MS = 1000;
 
 const configuredBaseUrl: unknown = import.meta.env.VITE_API_BASE_URL;
 
@@ -23,12 +34,22 @@ type AuthHandlers = {
 	refresh: () => Promise<boolean>;
 };
 
+type ReadAttempt = {
+	problem?: unknown;
+	reason: "abort" | "transient";
+	response?: Response;
+};
+
 const sessionState: { handlers?: AuthHandlers; hasSession: boolean } = {
 	hasSession: false,
 };
 
 const authSessionListeners = new Set<() => void>();
 
+function abortError() {
+	return new DOMException("Request aborted", "AbortError");
+}
+
 async function authenticatedFetch(request: Request): Promise<Response> {
 	const isAuthRequest = new URL(request.url).pathname.startsWith(
 		"/api/v1/auth/",
@@ -56,7 +77,7 @@ async function authenticatedFetch(request: Request): Promise<Response> {
 		= token && !isAuthRequest ? withToken(request, token) : request;
 
 	const retryRequest = authorized.clone();
-	const response = await fetch(authorized);
+	const response = await fetchAppRead(authorized, isAuthRequest);
 	if (!isAuthRequest && !isCurrent())
 		throw new DOMException("Session changed", "AbortError");
 	if (
@@ -87,7 +108,12 @@ async function authenticatedFetch(request: Request): Promise<Response> {
 	if (!isCurrent()) throw new DOMException("Session changed", "AbortError");
 	const refreshedToken = sessionState.handlers.accessToken();
 	if (!refreshedToken) return response;
-	const retried = await fetch(withToken(retryRequest, refreshedToken));
+
+	const retried = await fetchAppRead(
+		withToken(retryRequest, refreshedToken),
+		isAuthRequest,
+	);
+
 	if (!isCurrent()) throw new DOMException("Session changed", "AbortError");
 
 	return retried;
@@ -98,10 +124,138 @@ function configureAuthClient(handlers?: AuthHandlers) {
 	setAuthenticatedSession(Boolean(sessionState.handlers?.accessToken()));
 }
 
+async function fetchAppRead(
+	request: Request,
+	isAuthRequest: boolean,
+): Promise<Response> {
+	if (isAuthRequest || request.method !== "GET") return fetch(request);
+
+	const retryableRequest = request.clone();
+
+	for (const [retryIndex, delayMs] of RETRY_DELAYS_MS.entries()) {
+		const attempt = await readAttempt(
+			retryIndex === 0 ? request : retryableRequest.clone(),
+		);
+
+		if (attempt.reason === "abort") throw abortError();
+		const response = attempt.response;
+		if (response && !isTransientReadFailure(response, attempt.problem))
+			return response;
+		await waitForRetry(delayMs, request.signal);
+	}
+
+	const finalAttempt = await readAttempt(retryableRequest.clone());
+	if (finalAttempt.reason === "abort") throw abortError();
+	if (!finalAttempt.response) throw new TypeError("Network request failed");
+
+	return finalAttempt.response;
+}
+
 function hasAuthenticatedSession() {
 	return sessionState.hasSession;
 }
 
+function isNetworkFailure(error: unknown): boolean {
+	return error instanceof TypeError;
+}
+
+function isPermanentCode(code?: string): boolean {
+	return [
+		ApiErrorCode.Forbidden,
+		ApiErrorCode.InvalidTbankToken,
+		ApiErrorCode.NotFound,
+		ApiErrorCode.TbankNotConnected,
+		ApiErrorCode.Unauthorized,
+	].some(permanent => isApiErrorCode(code, permanent));
+}
+
+function isTransientReadFailure(
+	response: Response | undefined,
+	problem: unknown,
+): boolean {
+	if (!response) return true;
+	const code = apiErrorCode(problem);
+	if (isApiErrorCode(code, ApiErrorCode.TbankUnavailable)) return true;
+	if (isPermanentCode(code)) return false;
+
+	const transientStatuses = [
+		HTTP_BAD_GATEWAY,
+		HTTP_GATEWAY_TIMEOUT,
+		HTTP_INTERNAL_SERVER_ERROR,
+		HTTP_REQUEST_TIMEOUT,
+		HTTP_SERVICE_UNAVAILABLE,
+	];
+
+	return transientStatuses.includes(response.status)
+		|| (
+			response.status === HTTP_TOO_MANY_REQUESTS
+			&& retryAfterMs(response) === 0
+		);
+}
+
+function parseJson(body: string): unknown {
+	try {
+		return JSON.parse(body);
+	}
+	catch {
+		return undefined;
+	}
+}
+
+async function readAttempt(request: Request): Promise<ReadAttempt> {
+	const controller = new AbortController();
+	const failure: { reason?: "abort" | "timeout" } = {};
+
+	const { promise: deadline, reject: rejectDeadline }
+		= Promise.withResolvers<never>();
+
+	const timeout = setTimeout(() => {
+		failure.reason = "timeout";
+		controller.abort();
+		rejectDeadline(abortError());
+	}, GET_DEADLINE_MS);
+
+	const abort = () => {
+		failure.reason = "abort";
+		controller.abort();
+		rejectDeadline(abortError());
+	};
+
+	request.signal.addEventListener("abort", abort, { once: true });
+	const timedRequest = new Request(request, { signal: controller.signal });
+
+	try {
+		const response = await Promise.race([fetch(timedRequest), deadline]);
+		const body = await Promise.race([response.text(), deadline]);
+		const problem = parseJson(body);
+
+		return {
+			problem,
+			reason: "transient",
+			response: new Response(body, response),
+		};
+	}
+	catch (error) {
+		if (failure.reason === "abort") return { reason: "abort" };
+		if (failure.reason === "timeout" || isNetworkFailure(error))
+			return { reason: "transient" };
+
+		throw error;
+	}
+	finally {
+		clearTimeout(timeout);
+		request.signal.removeEventListener("abort", abort);
+	}
+}
+
+function retryAfterMs(response: Response): number | undefined {
+	const header = response.headers.get("Retry-After");
+	if (!header) return undefined;
+	const seconds = Number(header);
+
+	return Number.isFinite(seconds) ? seconds * SECONDS_TO_MS : undefined;
+}
+
 function setAuthenticatedSession(hasSession: boolean) {
 	if (hasSession === sessionState.hasSession) return;
 	sessionState.hasSession = hasSession;
@@ -114,6 +268,19 @@ function subscribeAuthenticatedSession(listener: () => void) {
 	return () => authSessionListeners.delete(listener);
 }
 
+function waitForRetry(ms: number, signal: AbortSignal): Promise<void> {
+	return new Promise((resolve, reject) => {
+		const timeout = setTimeout(resolve, ms);
+
+		const abort = () => {
+			clearTimeout(timeout);
+			reject(abortError());
+		};
+
+		signal.addEventListener("abort", abort, { once: true });
+	});
+}
+
 const apiClient = createClient<paths>({
 	baseUrl: apiBaseUrl,
 	credentials: "include",

src/shared/i18n/locales/ru.ts

@@ -76,9 +76,11 @@ const ru = {
 			bankName: "Банк (необязательно)",
 			cancel: "Отмена",
 			card: "Карта",
+			cardSaved: "Карта сохранена",
 			categories: "Категории",
 			category: "Категория",
 			categoryName: "Название категории",
+			categorySaved: "Категория сохранена",
 			close: "Закрыть",
 			date: "Дата операции",
 			defaultCategory: "По умолчанию",
@@ -153,7 +155,9 @@ const ru = {
 			openingHint:
 				"Остаток до операций с выбранной даты. Валюта — рубли (RUB).",
 			operationCard: "Карта операции",
+			operationDeleted: "Операция удалена",
 			operations: "Операции",
+			operationSaved: "Операция сохранена",
 			page: "Страница {{page}}",
 			pageSize: "Операций на странице",
 			pagination: "Страницы операций",
@@ -516,6 +520,8 @@ const ru = {
 			errorTitle: "Что-то пошло не так",
 			loadingText: "Пожалуйста, подождите.",
 			loadingTitle: "Загрузка",
+			unavailableText: "Данные появятся здесь, когда чтение восстановится.",
+			unavailableTitle: "Пока недоступно",
 		},
 		stock: {
 			aboutCompany: "О компании",
@@ -696,6 +702,7 @@ const ru = {
 				"Не удалось загрузить статус подключения. Обновите страницу.",
 			title: "T-Bank Invest",
 			token: "Token T-Bank",
+			tokenReplaced: "Подключение обновлено",
 			tokenRequired: "Введите token",
 			unavailable: "T-Bank временно недоступен. Повторите попытку позже.",
 		},

src/shared/lib/index.ts

@@ -8,4 +8,8 @@ export {
 	formatSnapshotTime,
 	instrumentLogoUrl,
 } from "./display";
+export {
+	type InitialAvailability,
+	useInitialAvailability,
+} from "./initial-availability";
 export { useUrlPeriod } from "./useUrlPeriod";

src/shared/lib/initial-availability.test.tsx

@@ -0,0 +1,107 @@
+import { act, renderHook } from "@testing-library/react";
+import { describe, expect, it, vi } from "vitest";
+
+import { useInitialAvailability } from "./initial-availability";
+
+describe("useInitialAvailability", () => {
+	it("keeps loading until content, error, or the initial wait budget", async () => {
+		vi.useFakeTimers();
+
+		try {
+			const { rerender, result } = renderHook(
+				props => useInitialAvailability(props),
+				{
+					initialProps: {
+						hasContent: false,
+						identity: "account-a",
+						isError: false,
+						isFetching: true,
+						timeoutMs: 100,
+					},
+				},
+			);
+
+			expect(result.current).toBe("loading");
+			await act(() => vi.advanceTimersByTimeAsync(99));
+			expect(result.current).toBe("loading");
+			await act(() => vi.advanceTimersByTimeAsync(1));
+			expect(result.current).toBe("unavailable");
+
+			rerender({
+				hasContent: true,
+				identity: "account-a",
+				isError: false,
+				isFetching: false,
+				timeoutMs: 100,
+			});
+			expect(result.current).toBe("ready");
+		}
+		finally {
+			vi.useRealTimers();
+		}
+	});
+
+	it("does not flash loading during retry for the same identity", async () => {
+		vi.useFakeTimers();
+
+		try {
+			const { rerender, result } = renderHook(
+				props => useInitialAvailability(props),
+				{
+					initialProps: {
+						hasContent: false,
+						identity: "account-a",
+						isError: true,
+						isFetching: false,
+					},
+				},
+			);
+
+			await act(() => vi.runOnlyPendingTimersAsync());
+			expect(result.current).toBe("unavailable");
+			rerender({
+				hasContent: false,
+				identity: "account-a",
+				isError: false,
+				isFetching: true,
+			});
+
+			expect(result.current).toBe("unavailable");
+		}
+		finally {
+			vi.useRealTimers();
+		}
+	});
+
+	it("resets loading only when identity changes", async () => {
+		vi.useFakeTimers();
+
+		try {
+			const { rerender, result } = renderHook(
+				props => useInitialAvailability(props),
+				{
+					initialProps: {
+						hasContent: false,
+						identity: "account-a",
+						isError: true,
+						isFetching: false,
+					},
+				},
+			);
+
+			await act(() => vi.runOnlyPendingTimersAsync());
+			expect(result.current).toBe("unavailable");
+			rerender({
+				hasContent: false,
+				identity: "account-b",
+				isError: false,
+				isFetching: true,
+			});
+
+			expect(result.current).toBe("loading");
+		}
+		finally {
+			vi.useRealTimers();
+		}
+	});
+});

src/shared/lib/initial-availability.ts

@@ -0,0 +1,49 @@
+import { useEffect, useState } from "react";
+
+const INITIAL_WAIT_BUDGET_MS = 10_000;
+
+type InitialAvailability
+	= | "loading"
+		| "ready"
+		| "unavailable";
+
+type InitialAvailabilityInput = {
+	hasContent: boolean;
+	identity: string;
+	isError: boolean;
+	isFetching: boolean;
+	timeoutMs?: number;
+};
+
+function useInitialAvailability(
+	input: InitialAvailabilityInput,
+): InitialAvailability {
+	const timeoutMs = input.timeoutMs ?? INITIAL_WAIT_BUDGET_MS;
+
+	const [unavailableIdentity, setUnavailableIdentity] = useState<null | string>(
+		null,
+	);
+
+	useEffect(() => {
+		if (input.hasContent) return;
+
+		if (input.isError) {
+			const timer = setTimeout(() => setUnavailableIdentity(input.identity), 0);
+
+			return () => clearTimeout(timer);
+		}
+
+		const timer = setTimeout(
+			() => setUnavailableIdentity(input.identity),
+			timeoutMs,
+		);
+
+		return () => clearTimeout(timer);
+	}, [input.hasContent, input.identity, input.isError, timeoutMs]);
+
+	if (input.hasContent) return "ready";
+
+	return unavailableIdentity === input.identity ? "unavailable" : "loading";
+}
+
+export { type InitialAvailability, useInitialAvailability };