chore(release): 0.4.0

Consume the provided resource-envelope API snapshot. Preserve financial snapshots during
refresh, observe synchronization without importing, and fence late responses across
account and connection changes.

.ai/architecture.md

@@ -76,8 +76,8 @@ Add/Edit/Delete; restore/category SVG остаются локальными.
 
 ## Примеры
 
-- Общая busy-область: существующий [LoadingSkeleton](../packages/ui/src/LoadingSkeleton.tsx), а не domain widget в shared.
-- Account-income state views: [страница](../src/pages/account-income/ui/AccountIncomePage.tsx) и её flat `components/*.view.tsx`; новый page-local filter остаётся здесь.
+- Общая busy-область: существующий [LoadingSkeleton](../packages/ui/src/LoadingSkeleton/LoadingSkeleton.tsx), а не domain widget в shared.
+- Account-income state views: [страница](../src/pages/account-income/ui/AccountIncomePage/AccountIncomePage.tsx) и её `components/`; новый page-local filter остаётся здесь. Комплекты файлов группируются по [UI convention](conventions/ui.md#размещение-файлов-компонента).
 - Portfolio query: [entity public API](../src/entities/portfolio/index.ts); новая UI-сводка с бизнес-смыслом не становится shared только из-за нескольких экранов.
 
 ## Проверка

.ai/conventions/storybook.md

@@ -26,7 +26,7 @@ Stories не достигают application API, auth, VM и query providers д
 контракт: keyboard activation, доступность действия, local callback. Не повторяй
 RTL suite и не тестируй внутренности Mantine. Существующий
 [Button](../../src/shared/ui/Button.stories.tsx) показывает themed control
-без production wrapper; [LoadingSkeleton](../../packages/ui/src/LoadingSkeleton.stories.tsx)
+без production wrapper; [LoadingSkeleton](../../packages/ui/src/LoadingSkeleton/LoadingSkeleton.stories.tsx)
 — значимые busy states.
 
 `npm run typecheck`, `npm run deps:storybook`, `npm run build:catalog` проверяют

.ai/conventions/testing.md

@@ -45,7 +45,7 @@ Finance: loading/error/empty/loaded, cached snapshot при refetch failure, ret
 отсутствие старых данных после session/connection switch. ErrorBoundary: test-only
 throwing route, безопасная ссылка и reset после navigation.
 
-Примеры: [AuthForm test](../../src/features/auth/ui/AuthForm.test.tsx),
+Примеры: [AuthForm test](../../src/features/auth/ui/AuthForm/AuthForm.test.tsx),
 [client test](../../src/shared/api/client.test.ts),
 [usePortfolio test](../../src/entities/portfolio/api/usePortfolio.test.tsx).
 Не копируй fixtures/сценарии целиком, если задача затрагивает один исход.

.ai/conventions/ui.md

@@ -12,7 +12,7 @@ Mantine component и общую тему. Для выпадающего выбо
 Семантический HTML для структуры страницы остаётся уместным.
 
 Icons ищи у существующего owner (например,
-[BankOperationIcon](../../src/entities/bank-card/ui/BankOperationIcon.tsx));
+[BankOperationIcon](../../src/entities/bank-card/ui/BankOperationIcon/BankOperationIcon.tsx));
 статичные Add/Edit/Delete доступны в `@wealthledger/icons`. Их SVG декоративны
 по умолчанию; имя action принадлежит кнопке. Standalone meaningful icon получает
 `aria-hidden={false}`, `role="img"` и доступное имя. Category/kind mappings
@@ -56,11 +56,34 @@ retry callbacks, domain grouping и derived presentation data. View получа
 image fallback) и formatter одного переданного значения. Группировка/доли
 коллекции готовятся в VM. Перенос fetch во view ради меньшего container нарушает границу.
 
-Отдельный state/section с самостоятельной responsibility выноси в flat
-`components/*.view.tsx`. Небольшой tightly-coupled renderer оставляй рядом.
-Не создавай folder/barrel/test/CSS для каждого view и не дроби по line count.
-Пример: [AccountIncomePage](../../src/pages/account-income/ui/AccountIncomePage.tsx)
-и [его VM](../../src/pages/account-income/ui/AccountIncomePage.vm.ts).
+Отдельный state/section с самостоятельной responsibility выноси в
+`components/` своего component. Небольшой tightly-coupled renderer оставляй
+рядом; размер файла сам по себе не требует разделения.
+Пример: [AccountIncomePage](../../src/pages/account-income/ui/AccountIncomePage/AccountIncomePage.tsx)
+и [его VM](../../src/pages/account-income/ui/AccountIncomePage/AccountIncomePage.vm.ts).
+
+## Размещение файлов компонента
+
+Правило действует в `src` и `packages`: компонент с сопутствующими файлами
+(view, VM, types, CSS, tests, stories) размещай в папке `Component/`.
+Сохраняй полные имена файлов: `Component.tsx`, `Component.view.tsx`,
+`Component.test.tsx`. Создавай только нужные файлы; одиночный компонент
+оставляй непосредственно в `ui`, `components` или source-каталоге пакета.
+
+Внутренние части принадлежат папке родителя; для набора state/section views
+используй её `components/`. Внутри него действует то же правило: отдельная
+папка объединяет комплект файлов, одиночный view остаётся файлом.
+Стили и хуки нескольких соседних компонентов остаются у ближайшего общего
+владельца; не копируй их и не прячь внутрь одного потребителя.
+
+Папка компонента не создаёт новую FSD-границу. Публичные exports остаются в
+существующем `index.ts` slice/segment или entry пакета; внутри используй
+прямые относительные imports без дополнительных barrels на каждый компонент.
+При переносе обновляй imports, ссылки документации и проверки, зависящие от пути.
+
+Пример: [BankCardForm](../../src/entities/bank-card/ui/BankCardForm/BankCardForm.tsx)
+лежит рядом со своим view, тестом и story; общий `BankForms.module.css`
+остаётся в `bank-card/ui`.
 
 ## Формы
 

.storybook/dependency-cruiser.cjs

@@ -9,7 +9,7 @@ module.exports = {
 			severity: "error",
 			from: { path: "\\.stories\\.tsx$|^\\.storybook/preview\\.tsx$" },
 			to: {
-				path: "^src/(shared/api|features/auth|app/routes|app/ui)/|^src/(entities|features)/[^/]+/api/|\\.vm\\.ts$|^src/pages/[^/]+/ui/[^/]+Page\\.tsx$|node_modules/(@tanstack/react-query|openapi-fetch|openapi-react-query)/",
+				path: "^src/(shared/api|features/auth|app/routes|app/ui)/|^src/(entities|features)/[^/]+/api/|\\.vm\\.ts$|^src/pages/[^/]+/ui/.*Page\\.tsx$|node_modules/(@tanstack/react-query|openapi-fetch|openapi-react-query)/",
 				reachable: true,
 			},
 		},

CHANGELOG.md

@@ -1,5 +1,23 @@
 # Changelog
 
+## [0.4.0](https://git.personal.ksv741.ru/WealthLedger/frontend/compare/v0.3.0...v0.4.0) (2026-09-26)
+
+### Features
+
+* show persisted investment data and sync state ([4e5f564](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/4e5f564fa1d583013fb3e7febdb3baa9737446b4))
+
+### Bug Fixes
+
+* **api:** update validation and conflict response contract ([db184c8](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/db184c8caec01609e8a3df3b16097ce634e5eff0))
+* **auth:** isolate session races and financial caches ([a209d71](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/a209d715892862bb6d48084df0c84a10b8d56bf1))
+* **ci:** resume verification of immutable release images ([6a87379](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/6a87379813ba1d4002779b23b2a65446b4d10258))
+* **ui:** improve financial text contrast ([c86be7b](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/c86be7bf73d0141e0606d259ada6453c0d8e3dec))
+
+### Refactoring
+
+* colocate frontend component files ([b987fd8](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/b987fd8e780963dfe1dde0c714232697a52e0475))
+* establish local frontend workspace boundaries ([85fcfe3](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/85fcfe3d073f80e759dafb14281c9462c1d7410d))
+
 ## [0.3.0](https://git.personal.ksv741.ru/WealthLedger/frontend/compare/v0.2.3...v0.3.0) (2026-09-20)
 
 ### Features

package-lock.json

@@ -1,12 +1,12 @@
 {
 	"name": "wealth-ledger-frontend",
-	"version": "0.3.0",
+	"version": "0.4.0",
 	"lockfileVersion": 3,
 	"requires": true,
 	"packages": {
 		"": {
 			"name": "wealth-ledger-frontend",
-			"version": "0.3.0",
+			"version": "0.4.0",
 			"workspaces": [
 				"packages/*"
 			],

package.json

@@ -1,7 +1,7 @@
 {
 	"name": "wealth-ledger-frontend",
 	"private": true,
-	"version": "0.3.0",
+	"version": "0.4.0",
 	"type": "module",
 	"engines": {
 		"node": "24.21.0"

packages/ui/src/StateView/StateView.test.tsx

@@ -1,7 +1,7 @@
 import { MantineProvider } from "@mantine/core";
 import { render, screen } from "@testing-library/react";
 import { describe, expect, it } from "vitest";
-import { LoadingSkeleton } from "./LoadingSkeleton";
+import { LoadingSkeleton } from "../LoadingSkeleton/LoadingSkeleton";
 import { StateView } from "./StateView";
 
 describe("StateView", () => {

packages/ui/src/index.ts

@@ -1,3 +1,3 @@
-export { EntryCard } from "./EntryCard";
-export { LoadingSkeleton } from "./LoadingSkeleton";
-export { StateView } from "./StateView";
+export { EntryCard } from "./EntryCard/EntryCard";
+export { LoadingSkeleton } from "./LoadingSkeleton/LoadingSkeleton";
+export { StateView } from "./StateView/StateView";

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

@@ -16,6 +16,7 @@ import type { IncomeAnalytics } from "@/entities/income";
 import type { Portfolio } from "@/entities/portfolio";
 import { AuthProvider } from "@/features/auth";
 import { createTestQueryClient } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { AppRoutes } from "./AppRoutes";
 
@@ -132,50 +133,56 @@ beforeEach(() => {
 		),
 		http.get("*/api/v1/brokerage-accounts", () =>
 			HttpResponse.json(
-				accounts.map((account) => ({
-					...account,
-					type: "BROKERAGE",
-					openedOn: null,
-					portfolioSummary: null,
-				})),
+				resource(
+					accounts.map((account) => ({
+						...account,
+						type: "BROKERAGE",
+						openedOn: null,
+						portfolioSummary: null,
+					})),
+				),
 			),
 		),
 		http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
-			HttpResponse.json(portfolio),
+			HttpResponse.json(resource(portfolio)),
 		),
 		http.get(
 			"*/api/v1/brokerage-accounts/:accountId/operations",
 			({ params }) =>
-				HttpResponse.json({
-					accountId: params.accountId,
-					items,
-					hasNext: false,
-					nextCursor: null,
-					observedAt: receipt.occurredAt,
-				}),
+				HttpResponse.json(
+					resource({
+						accountId: params.accountId,
+						items,
+						hasNext: false,
+						nextCursor: null,
+						observedAt: receipt.occurredAt,
+					}),
+				),
 		),
 		http.get("*/api/v1/brokerage-accounts/:accountId/income-analytics", () =>
-			HttpResponse.json(analytics),
+			HttpResponse.json(resource(analytics)),
 		),
 		http.get("*/api/v1/brokerage-accounts/:accountId/events", () =>
-			HttpResponse.json({
-				accountId: "all",
-				calculatedAt: receipt.occurredAt,
-				incomeTotalsByCurrency: [],
-				events: accounts.map((account) => ({
-					account,
-					type: "coupon",
-					date: "2026-09-15",
-					dateKind: "event",
-					figi: null,
-					instrumentUid: null,
-					ticker: "BOND",
-					displayName: "Облигация",
-					isin: null,
-					logoName: null,
-					projectedAmount: { currency: "RUB", value: "2" },
-				})),
-			}),
+			HttpResponse.json(
+				resource({
+					accountId: "all",
+					calculatedAt: receipt.occurredAt,
+					incomeTotalsByCurrency: [],
+					events: accounts.map((account) => ({
+						account,
+						type: "coupon",
+						date: "2026-09-15",
+						dateKind: "event",
+						figi: null,
+						instrumentUid: null,
+						ticker: "BOND",
+						displayName: "Облигация",
+						isin: null,
+						logoName: null,
+						projectedAmount: { currency: "RUB", value: "2" },
+					})),
+				}),
+			),
 		),
 	);
 });
@@ -224,20 +231,22 @@ describe("All accounts routes", () => {
 				({ request, params }) => {
 					const url = new URL(request.url);
 					requests.push(url);
-					return HttpResponse.json({
-						accountId: params.accountId,
-						items: [
-							{
-								...receipt,
-								description: url.searchParams.has("cursor")
-									? "Вторая страница"
-									: "Первая страница",
-							},
-						],
-						hasNext: !url.searchParams.has("cursor"),
-						nextCursor: url.searchParams.has("cursor") ? null : "next",
-						observedAt: receipt.occurredAt,
-					});
+					return HttpResponse.json(
+						resource({
+							accountId: params.accountId,
+							items: [
+								{
+									...receipt,
+									description: url.searchParams.has("cursor")
+										? "Вторая страница"
+										: "Первая страница",
+								},
+							],
+							hasNext: !url.searchParams.has("cursor"),
+							nextCursor: url.searchParams.has("cursor") ? null : "next",
+							observedAt: receipt.occurredAt,
+						}),
+					);
 				},
 			),
 		);
@@ -274,13 +283,15 @@ describe("All accounts routes", () => {
 							{ code: "INVALID_OPERATIONS_CURSOR" },
 							{ status: 400 },
 						)
-					: HttpResponse.json({
-							accountId: "all",
-							items,
-							hasNext: true,
-							nextCursor: "expired",
-							observedAt: receipt.occurredAt,
-						}),
+					: HttpResponse.json(
+							resource({
+								accountId: "all",
+								items,
+								hasNext: true,
+								nextCursor: "expired",
+								observedAt: receipt.occurredAt,
+							}),
+						),
 			),
 		);
 		renderPage("/accounts/all/operations?from=2026-08-01&to=2026-08-31");

src/app/routes/AppRoutes/AppRoutes.tsx

@@ -1,8 +1,8 @@
 import type { FC } from "react";
 import { lazy } from "react";
 import { Navigate, Route, Routes } from "react-router";
-import { LazyPage } from "./RouteFallback";
-import { Protected, Public } from "./RouteGuards";
+import { LazyPage } from "../RouteFallback";
+import { Protected, Public } from "../RouteGuards";
 
 const CardPage = lazy(async () => {
 	const { CardPage } = await import("@/pages/card");
@@ -65,7 +65,7 @@ const SettingsPage = lazy(async () => {
 	return { default: SettingsPage };
 });
 const ProtectedLayout = lazy(async () => {
-	const { ProtectedLayout } = await import("./ProtectedLayout");
+	const { ProtectedLayout } = await import("../ProtectedLayout");
 	return { default: ProtectedLayout };
 });
 

src/app/routes/DocumentTitle/DocumentTitle.test.tsx

@@ -12,6 +12,7 @@ import { MemoryRouter, useNavigate } from "react-router";
 import { beforeEach, describe, expect, it } from "vitest";
 import { AuthProvider } from "@/features/auth";
 import { createTestQueryClient } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { ProtectedDocumentTitle } from "./DocumentTitle";
 
@@ -62,7 +63,7 @@ describe("document titles", () => {
 		server.use(
 			http.get("*/api/v1/brokerage-accounts", async () => {
 				await accountsReady;
-				return HttpResponse.json([{ id: "a", name: "ИИС" }]);
+				return HttpResponse.json(resource([{ id: "a", name: "ИИС" }]));
 			}),
 		);
 		renderTitle("/accounts/a/income?from=2026-01-01&to=2026-08-31");
@@ -85,7 +86,7 @@ describe("document titles", () => {
 		async (kind, id, fallback, name) => {
 			server.use(
 				http.get(`*/api/v1/${kind}/by-ticker/:ticker`, () =>
-					HttpResponse.json({ name }),
+					HttpResponse.json(resource({ name })),
 				),
 			);
 			renderTitle(`/${kind}/${id}`);

src/app/routes/ProtectedLayout.tsx

@@ -1,6 +1,6 @@
 import type { FC } from "react";
 import { AppBreadcrumbs, AppShell } from "@/app/ui";
-import { ProtectedDocumentTitle } from "./DocumentTitle";
+import { ProtectedDocumentTitle } from "./DocumentTitle/DocumentTitle";
 
 const ProtectedLayout: FC = () => {
 	return (

src/app/routes/index.ts

@@ -1,2 +1,2 @@
-export { AppRoutes } from "./AppRoutes";
-export { RouteErrorBoundary } from "./RouteErrorBoundary";
+export { AppRoutes } from "./AppRoutes/AppRoutes";
+export { RouteErrorBoundary } from "./RouteErrorBoundary/RouteErrorBoundary";

src/app/ui/index.ts

@@ -1,2 +1,2 @@
-export { AppBreadcrumbs } from "./AppBreadcrumbs";
-export { AppShell } from "./AppShell";
+export { AppBreadcrumbs } from "./AppBreadcrumbs/AppBreadcrumbs";
+export { AppShell } from "./AppShell/AppShell";

src/entities/bank-card/index.ts

@@ -20,11 +20,11 @@ export {
 } from "./model/form-validation";
 export { bankOperationKinds } from "./model/operation-kinds";
 export { bankPeriod } from "./model/period";
-export { BankCardFace } from "./ui/BankCardFace";
-export { BankCardForm } from "./ui/BankCardForm";
+export { BankCardFace } from "./ui/BankCardFace/BankCardFace";
+export { BankCardForm } from "./ui/BankCardForm/BankCardForm";
 export { BankFeedback } from "./ui/BankFeedback";
-export { BankOperationIcon } from "./ui/BankOperationIcon";
+export { BankOperationIcon } from "./ui/BankOperationIcon/BankOperationIcon";
 export { BankPeriodPicker } from "./ui/BankPeriodPicker";
-export { BankSummaryView } from "./ui/BankSummary.view";
-export { CategoryManager } from "./ui/CategoryManager";
+export { BankSummaryView } from "./ui/BankSummary/BankSummary.view";
+export { CategoryManager } from "./ui/CategoryManager/CategoryManager";
 export { useBankFormFocus } from "./ui/useBankFormFocus";

src/entities/bank-card/ui/BankCardFace/BankCardFace.tsx

@@ -1,7 +1,7 @@
 import type { FC } from "react";
 import { useTranslation } from "react-i18next";
 import { formatMoney } from "@/shared/lib";
-import type { BankCard } from "../api/queries";
+import type { BankCard } from "../../api/queries";
 import classes from "./BankCardFace.module.css";
 
 type BankCardFaceProps = { card: BankCard };

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

@@ -1,6 +1,6 @@
 import type { Meta, StoryObj } from "@storybook/react-vite";
 import { FormProvider, useForm } from "react-hook-form";
-import type { BankCardValues } from "../model/form-validation";
+import type { BankCardValues } from "../../model/form-validation";
 import { BankCardFields } from "./BankCardForm.view";
 
 const meta = {

src/entities/bank-card/ui/BankCardForm/BankCardForm.test.tsx

@@ -6,7 +6,7 @@ import { describe, expect, it, vi } from "vitest";
 import { configureAuthClient } from "@/shared/api";
 import { createTestQueryClient } from "@/test/query";
 import { server } from "@/test/server";
-import type { BankCard } from "../api/queries";
+import type { BankCard } from "../../api/queries";
 import { BankCardForm } from "./BankCardForm";
 
 const card: BankCard = {

src/entities/bank-card/ui/BankCardForm/BankCardForm.tsx

@@ -4,18 +4,18 @@ import { type FC, useState } from "react";
 import { FormProvider, useForm } from "react-hook-form";
 import { useTranslation } from "react-i18next";
 import { formatDate } from "@/shared/lib";
-import { useBankMutations } from "../api/mutations";
-import { type BankCard, useBankCard } from "../api/queries";
+import { useBankMutations } from "../../api/mutations";
+import { type BankCard, useBankCard } from "../../api/queries";
 import {
 	type BankCardValues,
 	bankCardSchema,
 	bankMoneyValue,
 	bankToday,
-} from "../model/form-validation";
+} from "../../model/form-validation";
+import { BankFeedback } from "../BankFeedback";
+import classes from "../BankForms.module.css";
+import { useBankFormFocus } from "../useBankFormFocus";
 import { BankCardFields } from "./BankCardForm.view";
-import { BankFeedback } from "./BankFeedback";
-import classes from "./BankForms.module.css";
-import { useBankFormFocus } from "./useBankFormFocus";
 
 type BankCardFormProps = { card?: BankCard; onClose: () => void };
 const BankCardForm: FC<BankCardFormProps> = (props) => {

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

@@ -8,7 +8,7 @@ import {
 	bankDateInputValue,
 	bankDateSchema,
 	bankToday,
-} from "../model/form-validation";
+} from "../../model/form-validation";
 
 type BankCardFieldsProps = { archived: boolean };
 const BankCardFields: FC<BankCardFieldsProps> = (props) => {

src/entities/bank-card/ui/BankOperationIcon/BankOperationIcon.tsx

@@ -1,8 +1,8 @@
 import type { FC } from "react";
 import { bindIconAnimation } from "@/shared/lib";
-import type { BankOperation } from "../api/queries";
+import type { BankOperation } from "../../api/queries";
 
-import { bankOperationAppearance } from "../model/operation-appearance";
+import { bankOperationAppearance } from "../../model/operation-appearance";
 import classes from "./BankOperationIcon.module.css";
 
 type BankOperationIconProps = {

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

@@ -3,8 +3,8 @@ import { LoadingSkeleton } from "@wealthledger/ui";
 import type { CSSProperties, FC } from "react";
 import { useTranslation } from "react-i18next";
 import { formatMoney } from "@/shared/lib";
-import type { BankSummary } from "../api/queries";
-import { BankOperationIcon } from "./BankOperationIcon";
+import type { BankSummary } from "../../api/queries";
+import { BankOperationIcon } from "../BankOperationIcon/BankOperationIcon";
 import classes from "./BankSummary.module.css";
 
 type BankSummaryViewProps = {

src/entities/bank-card/ui/CategoryManager/CategoryManager.tsx

@@ -18,12 +18,12 @@ import {
 import { useTranslation } from "react-i18next";
 import { z } from "zod";
 import { validationMessage } from "@/shared/i18n";
-import { useBankMutations } from "../api/mutations";
-import { type ExpenseCategory, useBankCategories } from "../api/queries";
-import { BankFeedback } from "./BankFeedback";
-import classes from "./BankForms.module.css";
-import { BankOperationIcon } from "./BankOperationIcon";
-import { useBankFormFocus } from "./useBankFormFocus";
+import { useBankMutations } from "../../api/mutations";
+import { type ExpenseCategory, useBankCategories } from "../../api/queries";
+import { BankFeedback } from "../BankFeedback";
+import classes from "../BankForms.module.css";
+import { BankOperationIcon } from "../BankOperationIcon/BankOperationIcon";
+import { useBankFormFocus } from "../useBankFormFocus";
 
 const MAX_CATEGORY_NAME_LENGTH = 80;
 

src/entities/bond/api/queries.ts

@@ -1,8 +1,4 @@
-import {
-	apiQueryClient,
-	type paths,
-	useAuthenticatedQuery,
-} from "@/shared/api";
+import { apiQueryClient, type paths, useResourceQuery } from "@/shared/api";
 
 type BondPeriod = NonNullable<
 	NonNullable<
@@ -13,7 +9,7 @@ type BondPeriod = NonNullable<
 const BOND_STALE_TIME_MS = 30_000;
 
 function useBondSearch(query: string) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
 		...apiQueryClient.queryOptions("get", "/api/v1/bonds", {
 			params: { query: { query } },
 		}),
@@ -36,11 +32,11 @@ function useBond(identifier: string) {
 			identifier,
 		);
 
-	const byUid = useAuthenticatedQuery({
+	const byUid = useResourceQuery({
 		...bondQueryOptions(identifier),
 		enabled: Boolean(identifier) && isUid,
 	});
-	const byTicker = useAuthenticatedQuery({
+	const byTicker = useResourceQuery({
 		...apiQueryClient.queryOptions("get", "/api/v1/bonds/by-ticker/{ticker}", {
 			params: { path: { ticker: identifier } },
 		}),
@@ -50,7 +46,7 @@ function useBond(identifier: string) {
 	return isUid ? byUid : byTicker;
 }
 function useBondMetrics(uid: string) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
 		...apiQueryClient.queryOptions("get", "/api/v1/bonds/{uid}/metrics", {
 			params: { path: { uid } },
 		}),
@@ -59,7 +55,7 @@ function useBondMetrics(uid: string) {
 	});
 }
 function useBondQuote(uid: string) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
 		...apiQueryClient.queryOptions("get", "/api/v1/bonds/{uid}/quote", {
 			params: { path: { uid } },
 		}),
@@ -68,7 +64,7 @@ function useBondQuote(uid: string) {
 	});
 }
 function useBondCandles(uid: string, period: BondPeriod) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
 		...apiQueryClient.queryOptions("get", "/api/v1/bonds/{uid}/candles", {
 			params: { path: { uid }, query: { period } },
 		}),
@@ -77,7 +73,8 @@ function useBondCandles(uid: string, period: BondPeriod) {
 	});
 }
 function useBondPosition(uid: string) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
+		meta: { accessGroup: "brokerage" },
 		...apiQueryClient.queryOptions("get", "/api/v1/bonds/{uid}/position", {
 			params: { path: { uid } },
 		}),
@@ -86,7 +83,8 @@ function useBondPosition(uid: string) {
 	});
 }
 function useBondCoupons(uid: string) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
+		meta: { accessGroup: "brokerage" },
 		...apiQueryClient.queryOptions("get", "/api/v1/bonds/{uid}/coupons", {
 			params: { path: { uid } },
 		}),

src/entities/broker-operation/api/useBrokerageOperations.ts

@@ -1,16 +1,14 @@
-import {
-	apiQueryClient,
-	type paths,
-	useAuthenticatedQuery,
-} from "@/shared/api";
+import { apiQueryClient, type paths, useResourceQuery } from "@/shared/api";
 
 type OperationsEndpoint =
 	paths["/api/v1/brokerage-accounts/{accountId}/operations"]["get"];
 
-type BrokerageOperation =
-	OperationsEndpoint["responses"][200]["content"]["application/json"]["items"][number];
-type BrokerageOperationsQuery = NonNullable<
-	OperationsEndpoint["parameters"]["query"]
+type BrokerageOperation = NonNullable<
+	OperationsEndpoint["responses"][200]["content"]["application/json"]["data"]
+>["items"][number];
+type BrokerageOperationsQuery = Omit<
+	NonNullable<OperationsEndpoint["parameters"]["query"]>,
+	"sync"
 >;
 type OperationCategory = BrokerageOperation["category"];
 
@@ -56,7 +54,8 @@ function useBrokerageOperations(
 	accountId: string | undefined,
 	query: BrokerageOperationsQuery = {},
 ) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
+		meta: { accessGroup: "brokerage" },
 		...brokerageOperationsQueryOptions(accountId, query),
 		enabled: Boolean(accountId),
 		staleTime: 30_000,

src/entities/brokerage-account/api/useBrokerageAccounts.test.tsx

@@ -3,6 +3,7 @@ import { HttpResponse, http } from "msw";
 import { describe, expect, it, vi } from "vitest";
 import { configureAuthClient } from "@/shared/api";
 import { createQueryWrapper } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { useBrokerageAccounts } from "./useBrokerageAccounts";
 
@@ -15,14 +16,16 @@ describe("useBrokerageAccounts", () => {
 		});
 		server.use(
 			http.get("*/api/v1/brokerage-accounts", () =>
-				HttpResponse.json([
-					{
-						id: "account-1",
-						name: "Основной",
-						type: "BROKERAGE",
-						openedOn: "2024-08-13",
-					},
-				]),
+				HttpResponse.json(
+					resource([
+						{
+							id: "account-1",
+							name: "Основной",
+							type: "BROKERAGE",
+							openedOn: "2024-08-13",
+						},
+					]),
+				),
 			),
 		);
 
@@ -52,14 +55,16 @@ describe("useBrokerageAccounts", () => {
 			http.get("*/api/v1/brokerage-accounts", () => {
 				calls += 1;
 				return calls === 1
-					? HttpResponse.json([
-							{
-								id: "account-1",
-								name: "Основной",
-								type: "BROKERAGE",
-								openedOn: "2024-08-13",
-							},
-						])
+					? HttpResponse.json(
+							resource([
+								{
+									id: "account-1",
+									name: "Основной",
+									type: "BROKERAGE",
+									openedOn: "2024-08-13",
+								},
+							]),
+						)
 					: HttpResponse.json({ code: "TBANK_UNAVAILABLE" }, { status: 503 });
 			}),
 		);

src/entities/brokerage-account/api/useBrokerageAccounts.ts

@@ -1,19 +1,17 @@
-import {
-	apiQueryClient,
-	type paths,
-	useAuthenticatedQuery,
-} from "@/shared/api";
+import { apiQueryClient, type paths, useResourceQuery } from "@/shared/api";
 
 const brokerageAccountsQueryOptions = () =>
 	apiQueryClient.queryOptions("get", "/api/v1/brokerage-accounts");
 
 const brokerageAccountsQueryKey = brokerageAccountsQueryOptions().queryKey;
 
-type BrokerageAccount =
-	paths["/api/v1/brokerage-accounts"]["get"]["responses"][200]["content"]["application/json"][number];
+type BrokerageAccount = NonNullable<
+	paths["/api/v1/brokerage-accounts"]["get"]["responses"][200]["content"]["application/json"]["data"]
+>[number];
 
 function useBrokerageAccounts() {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
+		meta: { accessGroup: "brokerage" },
 		...brokerageAccountsQueryOptions(),
 		staleTime: 60_000,
 	});

src/entities/brokerage-account/index.ts

@@ -8,4 +8,4 @@ export {
 	type BrokerageAccountCard,
 	brokerageAccountCards,
 } from "./model/display";
-export { BrokerageAccountList } from "./ui/BrokerageAccountList";
+export { BrokerageAccountList } from "./ui/BrokerageAccountList/BrokerageAccountList";

src/entities/brokerage-account/model/display.ts

@@ -1,10 +1,18 @@
-import type { BrokerageAccount } from "../api/useBrokerageAccounts";
+import type {
+	BrokerageAccount,
+	useBrokerageAccounts,
+} from "../api/useBrokerageAccounts";
 
 type Money = NonNullable<
 	BrokerageAccount["portfolioSummary"]
 >["totalsByCurrency"][number];
 
 type BrokerageAccountCard = {
+	source?: NonNullable<
+		ReturnType<typeof useBrokerageAccounts>["meta"]
+	>["dependencies"] extends (infer T)[] | undefined
+		? T
+		: never;
 	account: BrokerageAccount;
 	positionCounts: { stocks: number; bonds: number } | null;
 	summary:
@@ -19,11 +27,19 @@ function accountTypeKey(type: BrokerageAccount["type"]) {
 
 function brokerageAccountCards(
 	accounts: BrokerageAccount[],
+	dependencies: NonNullable<
+		ReturnType<typeof useBrokerageAccounts>["meta"]
+	>["dependencies"] = [],
 ): BrokerageAccountCard[] {
 	return accounts.map((account) => {
+		const source = dependencies.find(
+			(item) =>
+				item.resourceKey === `portfolio/${encodeURIComponent(account.id)}`,
+		);
 		const summary = account.portfolioSummary;
 		if (!summary)
 			return {
+				source,
 				account,
 				positionCounts: null,
 				summary: { state: "unavailable" },
@@ -33,8 +49,9 @@ function brokerageAccountCards(
 			bonds: summary.bondPositionCount,
 		};
 		if (!summary.totalsByCurrency.length)
-			return { account, positionCounts, summary: { state: "empty" } };
+			return { source, account, positionCounts, summary: { state: "empty" } };
 		return {
+			source,
 			account,
 			positionCounts,
 			summary: {

src/entities/brokerage-account/ui/BrokerageAccountList/BrokerageAccountList.stories.tsx

@@ -1,7 +1,7 @@
 import type { Meta, StoryObj } from "@storybook/react-vite";
 import { MemoryRouter } from "react-router";
-import type { BrokerageAccount } from "../api/useBrokerageAccounts";
-import { brokerageAccountCards } from "../model/display";
+import type { BrokerageAccount } from "../../api/useBrokerageAccounts";
+import { brokerageAccountCards } from "../../model/display";
 import { BrokerageAccountList } from "./BrokerageAccountList";
 
 const syntheticAccount = {
@@ -185,3 +185,44 @@ export const LargeValues: Story = {
 		]),
 	},
 };
+
+export const IndependentFreshness: Story = {
+	name: "Независимая свежесть и ошибка сводок",
+	args: {
+		accounts: brokerageAccountCards(
+			[
+				syntheticAccount,
+				{
+					...syntheticAccount,
+					id: "waiting",
+					name: "Новый счёт",
+					portfolioSummary: null,
+				},
+			],
+			[
+				{
+					resourceKey: "portfolio/storybook-account",
+					dataRevision: "1",
+					stateVersion: "failed",
+					availability: "complete",
+					freshness: "stale",
+					lastSuccessfulAt: "2026-09-24T10:30:00Z",
+					sync: {
+						id: "failed",
+						state: "failed",
+						errorCode: "TBANK_UNAVAILABLE",
+					},
+				},
+				{
+					resourceKey: "portfolio/waiting",
+					dataRevision: "0",
+					stateVersion: "waiting",
+					availability: "missing",
+					freshness: "unknown",
+					lastSuccessfulAt: null,
+					sync: { id: "waiting", state: "running", errorCode: null },
+				},
+			],
+		),
+	},
+};

src/entities/brokerage-account/ui/BrokerageAccountList/BrokerageAccountList.test.tsx

@@ -2,7 +2,8 @@ import { MantineProvider } from "@mantine/core";
 import { render, screen, within } from "@testing-library/react";
 import { MemoryRouter } from "react-router";
 import { describe, expect, it } from "vitest";
-import { brokerageAccountCards } from "../model/display";
+import { resource } from "@/test/resource";
+import { brokerageAccountCards } from "../../model/display";
 import { BrokerageAccountList } from "./BrokerageAccountList";
 
 describe("BrokerageAccountList", () => {
@@ -84,3 +85,42 @@ describe("BrokerageAccountList", () => {
 		).not.toBeInTheDocument();
 	});
 });
+
+it("shows portfolio summary freshness independently for each account", () => {
+	const accounts = brokerageAccountCards(
+		["fresh", "stale"].map((id) => ({
+			id,
+			name: id,
+			type: "BROKERAGE" as const,
+			openedOn: null,
+			portfolioSummary: {
+				stockPositionCount: 1,
+				bondPositionCount: 0,
+				totalsByCurrency: [{ currency: "RUB", value: "10" }],
+			},
+		})),
+		[
+			resource(null, { resourceKey: "portfolio/fresh", freshness: "fresh" })
+				.meta,
+			resource(null, { resourceKey: "portfolio/stale", freshness: "stale" })
+				.meta,
+		],
+	);
+	render(
+		<MantineProvider>
+			<MemoryRouter>
+				<BrokerageAccountList accounts={accounts} />
+			</MemoryRouter>
+		</MantineProvider>,
+	);
+	expect(
+		within(screen.getByRole("link", { name: /stale/ })).getByText(
+			"Данные требуют обновления",
+		),
+	).toBeVisible();
+	expect(
+		within(screen.getByRole("link", { name: /fresh/ })).queryByText(
+			"Данные требуют обновления",
+		),
+	).not.toBeInTheDocument();
+});

src/entities/brokerage-account/ui/BrokerageAccountList/BrokerageAccountList.tsx

@@ -2,9 +2,9 @@ import { Card, Group, SimpleGrid, Stack, Text } from "@mantine/core";
 import type { FC } from "react";
 import { useTranslation } from "react-i18next";
 import { Link } from "react-router";
-import { formatDate, formatMoney } from "@/shared/lib";
-import type { BrokerageAccountCard } from "../model/display";
-import { accountTypeKey } from "../model/display";
+import { formatDate, formatMoney, formatSnapshotTime } from "@/shared/lib";
+import type { BrokerageAccountCard } from "../../model/display";
+import { accountTypeKey } from "../../model/display";
 import classes from "./BrokerageAccountList.module.css";
 
 type BrokerageAccountListProps = { accounts: BrokerageAccountCard[] };
@@ -52,8 +52,8 @@ const BrokerageAccountList: FC<BrokerageAccountListProps> = (props) => {
 	const { t } = useTranslation();
 
 	return (
-		<SimpleGrid className={classes.list} cols={{ base: 1, lg: 2 }} spacing="lg">
-			{accounts.map(({ account, summary, positionCounts }) => (
+		<SimpleGrid className={classes.list} cols={1} spacing="lg">
+			{accounts.map(({ account, summary, positionCounts, source }) => (
 				<Card
 					component={Link}
 					to={`/accounts/${account.id}`}
@@ -92,6 +92,25 @@ const BrokerageAccountList: FC<BrokerageAccountListProps> = (props) => {
 							{t("accounts.currentValue")}
 						</Text>
 						<BrokerageAccountSummary summary={summary} />
+						{source?.lastSuccessfulAt ? (
+							<Text size="xs" c="dimmed">
+								{t("investment.sourceTime", {
+									date: formatSnapshotTime(source.lastSuccessfulAt),
+								})}
+							</Text>
+						) : null}
+						{source?.sync.state === "running" ||
+						source?.sync.state === "queued" ? (
+							<Text size="xs" role="status">
+								{t("accounts.refreshing")}
+							</Text>
+						) : null}
+						{source?.sync.state === "failed" ? (
+							<Text size="xs">{t("accounts.refreshError")}</Text>
+						) : null}
+						{source?.freshness === "stale" ? (
+							<Text size="xs">{t("investment.stale")}</Text>
+						) : null}
 					</Stack>
 					{positionCounts ? (
 						<dl className={classes.positions}>

src/entities/brokerage-event/api/useBrokerageEvents.test.tsx

@@ -3,6 +3,7 @@ import { HttpResponse, http } from "msw";
 import { describe, expect, it, vi } from "vitest";
 import { configureAuthClient } from "@/shared/api";
 import { createQueryWrapper } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { useBrokerageEvents } from "./useBrokerageEvents";
 
@@ -31,23 +32,25 @@ describe("useBrokerageEvents", () => {
 		});
 		server.use(
 			http.get("*/api/v1/brokerage-accounts/account-1/events", () =>
-				HttpResponse.json({
-					accountId: "account-1",
-					calculatedAt: "2026-08-14T00:00:00Z",
-					events: [
-						{
-							type: "dividend",
-							date: "2026-09-01",
-							dateKind: "registry",
-							figi: "figi-1",
-							instrumentUid: null,
-							ticker: "SBER",
-							displayName: "Сбер",
-							logoName: "sber3.png",
-							projectedAmount: { currency: "RUB", value: "12.34" },
-						},
-					],
-				}),
+				HttpResponse.json(
+					resource({
+						accountId: "account-1",
+						calculatedAt: "2026-08-14T00:00:00Z",
+						events: [
+							{
+								type: "dividend",
+								date: "2026-09-01",
+								dateKind: "registry",
+								figi: "figi-1",
+								instrumentUid: null,
+								ticker: "SBER",
+								displayName: "Сбер",
+								logoName: "sber3.png",
+								projectedAmount: { currency: "RUB", value: "12.34" },
+							},
+						],
+					}),
+				),
 			),
 		);
 

src/entities/brokerage-event/api/useBrokerageEvents.ts

@@ -1,19 +1,17 @@
-import {
-	apiQueryClient,
-	type paths,
-	useAuthenticatedQuery,
-} from "@/shared/api";
+import { apiQueryClient, type paths, useResourceQuery } from "@/shared/api";
 
 type EventsEndpoint =
 	paths["/api/v1/brokerage-accounts/{accountId}/events"]["get"];
-type BrokerageEvent =
-	EventsEndpoint["responses"][200]["content"]["application/json"]["events"][number];
+type BrokerageEvent = NonNullable<
+	EventsEndpoint["responses"][200]["content"]["application/json"]["data"]
+>["events"][number];
 
 function useBrokerageEvents(
 	accountId: string | undefined,
-	query: EventsEndpoint["parameters"]["query"] = {},
+	query: Omit<NonNullable<EventsEndpoint["parameters"]["query"]>, "sync"> = {},
 ) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
+		meta: { accessGroup: "brokerage" },
 		...apiQueryClient.queryOptions(
 			"get",
 			"/api/v1/brokerage-accounts/{accountId}/events",

src/entities/brokerage-event/index.ts

@@ -6,4 +6,4 @@ export { BrokerageEventCard } from "./ui/BrokerageEventCard";
 export {
 	BrokerageEventsPreview,
 	type BrokerageEventsPreviewState,
-} from "./ui/BrokerageEventsPreview";
+} from "./ui/BrokerageEventsPreview/BrokerageEventsPreview";

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

@@ -1,6 +1,6 @@
 import type { Meta, StoryObj } from "@storybook/react-vite";
 import { MemoryRouter } from "react-router";
-import type { BrokerageEvent } from "../api/useBrokerageEvents";
+import type { BrokerageEvent } from "../../api/useBrokerageEvents";
 import { BrokerageEventsPreview } from "./BrokerageEventsPreview";
 
 const syntheticEvent = {

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

@@ -3,8 +3,9 @@ import { LoadingSkeleton } from "@wealthledger/ui";
 import type { FC } from "react";
 import { useTranslation } from "react-i18next";
 import { Link } from "react-router";
-import type { BrokerageEvent } from "../api/useBrokerageEvents";
-import { BrokerageEventCard } from "./BrokerageEventCard";
+import { formatSnapshotTime } from "@/shared/lib";
+import type { BrokerageEvent } from "../../api/useBrokerageEvents";
+import { BrokerageEventCard } from "../BrokerageEventCard";
 
 type BrokerageEventsPreviewProps = {
 	events: BrokerageEventsPreviewState;
@@ -12,7 +13,14 @@ type BrokerageEventsPreviewProps = {
 
 type BrokerageEventsPreviewState =
 	| { state: "loading" | "error" | "empty"; to: string }
-	| { state: "loaded"; to: string; items: BrokerageEvent[] };
+	| {
+			state: "loaded" | "partial";
+			to: string;
+			lastSuccessfulAt?: string | null;
+			stale?: boolean;
+			refreshError?: boolean;
+			items: BrokerageEvent[];
+	  };
 
 const BrokerageEventsPreview: FC<BrokerageEventsPreviewProps> = (props) => {
 	const { events } = props;
@@ -20,6 +28,21 @@ const BrokerageEventsPreview: FC<BrokerageEventsPreviewProps> = (props) => {
 
 	return (
 		<Stack gap="sm">
+			{events.state === "loaded" ? (
+				<>
+					{events.lastSuccessfulAt ? (
+						<Text size="xs" c="dimmed">
+							{t("investment.sourceTime", {
+								date: formatSnapshotTime(events.lastSuccessfulAt),
+							})}
+						</Text>
+					) : null}
+					{events.stale ? <Text size="xs">{t("investment.stale")}</Text> : null}
+					{events.refreshError ? (
+						<Text role="status">{t("accounts.refreshError")}</Text>
+					) : null}
+				</>
+			) : null}
 			{events.state === "loading" ? (
 				<LoadingSkeleton label={t("events.recentLoading")}>
 					{[0, 1, 2].map((index) => (
@@ -33,7 +56,10 @@ const BrokerageEventsPreview: FC<BrokerageEventsPreviewProps> = (props) => {
 			{events.state === "empty" ? (
 				<Text c="dimmed">{t("events.recentEmpty")}</Text>
 			) : null}
-			{events.state === "loaded"
+			{events.state === "partial" ? (
+				<Text role="status">{t("investment.partial")}</Text>
+			) : null}
+			{events.state === "loaded" || events.state === "partial"
 				? events.items.map((event) => (
 						<BrokerageEventCard
 							key={JSON.stringify([

src/entities/income/api/useIncome.ts

@@ -1,16 +1,15 @@
-import {
-	apiQueryClient,
-	type paths,
-	useAuthenticatedQuery,
-} from "@/shared/api";
+import { apiQueryClient, type paths, useResourceQuery } from "@/shared/api";
 
-type IncomeSummary =
-	paths["/api/v1/brokerage-accounts/{accountId}/income-summary"]["get"]["responses"][200]["content"]["application/json"];
-type IncomeAnalytics =
-	paths["/api/v1/brokerage-accounts/{accountId}/income-analytics"]["get"]["responses"][200]["content"]["application/json"];
+type IncomeSummary = NonNullable<
+	paths["/api/v1/brokerage-accounts/{accountId}/income-summary"]["get"]["responses"][200]["content"]["application/json"]["data"]
+>;
+type IncomeAnalytics = NonNullable<
+	paths["/api/v1/brokerage-accounts/{accountId}/income-analytics"]["get"]["responses"][200]["content"]["application/json"]["data"]
+>;
 
 function useIncomeSummary(accountId: string | undefined) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
+		meta: { accessGroup: "brokerage" },
 		...apiQueryClient.queryOptions(
 			"get",
 			"/api/v1/brokerage-accounts/{accountId}/income-summary",
@@ -25,7 +24,8 @@ function useIncomeAnalytics(
 	accountId: string | undefined,
 	period: { from: string; to: string },
 ) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
+		meta: { accessGroup: "brokerage" },
 		...apiQueryClient.queryOptions(
 			"get",
 			"/api/v1/brokerage-accounts/{accountId}/income-analytics",

src/entities/portfolio/api/resource-lifecycle.test.tsx

@@ -0,0 +1,144 @@
+import { act, renderHook, waitFor } from "@testing-library/react";
+import { HttpResponse, http } from "msw";
+import { describe, expect, it, vi } from "vitest";
+import { apiClient, configureAuthClient } from "@/shared/api";
+import { createQueryWrapper } from "@/test/query";
+import { resource } from "@/test/resource";
+import { server } from "@/test/server";
+import {
+	type Portfolio,
+	portfolioQueryOptions,
+	usePortfolio,
+} from "./usePortfolio";
+
+const snapshot: Portfolio = {
+	positions: [],
+	totalsByCurrency: [{ currency: "RUB", value: "123.000000001" }],
+	cashBalances: [],
+	structure: { currencies: [], unvaluedCategories: [] },
+	lastSuccessfulAt: "2026-08-14T00:00:00Z",
+	isStale: false,
+};
+function auth() {
+	configureAuthClient({
+		accessToken: () => "synthetic",
+		refresh: async () => true,
+		clear: vi.fn(),
+	});
+}
+
+describe("persistent resource query lifecycle", () => {
+	it("observes into the canonical cache and rejects an old notified state before accepting the current one", async () => {
+		auth();
+		const modes: (string | null)[] = [];
+		let observations = 0;
+		server.use(
+			http.get(
+				"*/api/v1/brokerage-accounts/:accountId/portfolio",
+				({ request }) => {
+					const mode = new URL(request.url).searchParams.get("sync");
+					modes.push(mode);
+					if (mode) observations += 1;
+					return HttpResponse.json(
+						resource(snapshot, {
+							stateVersion: observations > 1 ? "new" : "old",
+						}),
+					);
+				},
+			),
+		);
+		const { wrapper, queryClient } = createQueryWrapper();
+		const { result } = renderHook(() => usePortfolio("a"), { wrapper });
+		await waitFor(() => expect(result.current.isSuccess).toBe(true));
+		await act(() => result.current.observe("new"));
+		await waitFor(() => expect(result.current.meta?.stateVersion).toBe("new"));
+		expect(modes).toEqual([null, "observe", "observe"]);
+		expect(queryClient.getQueryCache().getAll()).toHaveLength(1);
+		expect(
+			queryClient.getQueryData(portfolioQueryOptions("a").queryKey),
+		).toMatchObject({ meta: { stateVersion: "new" }, data: snapshot });
+	});
+	it("does not convert missing or failed source data to empty financial success", async () => {
+		auth();
+		server.use(
+			http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
+				HttpResponse.json(
+					resource(null, {
+						sync: {
+							id: "work",
+							state: "failed",
+							errorCode: "TBANK_UNAVAILABLE",
+						},
+					}),
+				),
+			),
+		);
+		const { result } = renderHook(() => usePortfolio("a"), {
+			wrapper: createQueryWrapper().wrapper,
+		});
+		await waitFor(() => expect(result.current.meta?.sync.state).toBe("failed"));
+		expect(result.current.data).toBeUndefined();
+		expect(result.current.isSuccess).toBe(false);
+		expect(result.current.meta?.availability).toBe("missing");
+	});
+	it("rejects a late ordinary response when an observe response for that resource arrived first", async () => {
+		auth();
+		let release!: () => void;
+		const blocked = new Promise<void>((resolve) => {
+			release = resolve;
+		});
+		server.use(
+			http.get(
+				"*/api/v1/brokerage-accounts/:accountId/portfolio",
+				async ({ request }) => {
+					if (!new URL(request.url).searchParams.has("sync")) await blocked;
+					return HttpResponse.json(resource(snapshot));
+				},
+			),
+		);
+		const old = apiClient.GET(
+			"/api/v1/brokerage-accounts/{accountId}/portfolio",
+			{ params: { path: { accountId: "a" } } },
+		);
+		const rejected = expect(old).rejects.toMatchObject({ name: "AbortError" });
+		await apiClient.GET("/api/v1/brokerage-accounts/{accountId}/portfolio", {
+			params: { path: { accountId: "a" }, query: { sync: "observe" } },
+		});
+		release();
+		await rejected;
+	});
+	it("clears private snapshots on confirmed access loss and fences another pending success", async () => {
+		auth();
+		let denied = false;
+		let release!: () => void;
+		const blocked = new Promise<void>((resolve) => {
+			release = resolve;
+		});
+		server.use(
+			http.get(
+				"*/api/v1/brokerage-accounts/:accountId/portfolio",
+				async ({ params }) => {
+					if (params.accountId === "b") await blocked;
+					if (params.accountId === "a" && denied)
+						return HttpResponse.json({ code: "NOT_FOUND" }, { status: 404 });
+					return HttpResponse.json(resource(snapshot));
+				},
+			),
+		);
+		const { wrapper } = createQueryWrapper();
+		const { result } = renderHook(
+			() => ({ a: usePortfolio("a"), b: usePortfolio("b") }),
+			{ wrapper },
+		);
+		await waitFor(() => expect(result.current.a.data).toEqual(snapshot));
+		denied = true;
+		await act(() => result.current.a.refetch());
+		await waitFor(() => expect(result.current.a.data).toBeUndefined());
+		await act(async () => {
+			release();
+			await blocked;
+		});
+		expect(result.current.b.data).toBeUndefined();
+		expect(result.current.a.isError).toBe(true);
+	});
+});

src/entities/portfolio/api/usePortfolio.test.tsx

@@ -1,9 +1,9 @@
 import { renderHook, waitFor } from "@testing-library/react";
 import { HttpResponse, http } from "msw";
 import { describe, expect, it, vi } from "vitest";
-
 import { configureAuthClient } from "@/shared/api";
 import { createQueryWrapper } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { usePortfolio } from "./usePortfolio";
 
@@ -33,14 +33,16 @@ describe("usePortfolio", () => {
 			http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () => {
 				calls += 1;
 				return calls === 1
-					? HttpResponse.json({
-							lastSuccessfulAt: "2026-08-14T00:00:00Z",
-							isStale: false,
-							totalsByCurrency: [],
-							positions: [],
-							structure: { currencies: [], unvaluedCategories: [] },
-							cashBalances: [],
-						})
+					? HttpResponse.json(
+							resource({
+								lastSuccessfulAt: "2026-08-14T00:00:00Z",
+								isStale: false,
+								totalsByCurrency: [],
+								positions: [],
+								structure: { currencies: [], unvaluedCategories: [] },
+								cashBalances: [],
+							}),
+						)
 					: HttpResponse.json({ code: "TBANK_UNAVAILABLE" }, { status: 503 });
 			}),
 		);

src/entities/portfolio/api/usePortfolio.ts

@@ -1,15 +1,12 @@
-import {
-	apiQueryClient,
-	type paths,
-	useAuthenticatedQuery,
-} from "@/shared/api";
+import { apiQueryClient, type paths, useResourceQuery } from "@/shared/api";
 
 const portfolioQueryPolicy = {
 	staleTime: 30_000,
 } as const;
 
-type Portfolio =
-	paths["/api/v1/brokerage-accounts/{accountId}/portfolio"]["get"]["responses"][200]["content"]["application/json"];
+type Portfolio = NonNullable<
+	paths["/api/v1/brokerage-accounts/{accountId}/portfolio"]["get"]["responses"][200]["content"]["application/json"]["data"]
+>;
 
 function portfolioQueryOptions(accountId: string | undefined) {
 	return apiQueryClient.queryOptions(
@@ -20,7 +17,8 @@ function portfolioQueryOptions(accountId: string | undefined) {
 }
 
 function usePortfolio(accountId: string | undefined) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
+		meta: { accessGroup: "brokerage" },
 		...portfolioQueryOptions(accountId),
 		enabled: Boolean(accountId),
 		...portfolioQueryPolicy,

src/entities/stock/api/queries.ts

@@ -1,8 +1,9 @@
 import {
 	apiQueryClient,
 	type paths,
+	unwrapResourceResult,
 	useAuthenticatedQueries,
-	useAuthenticatedQuery,
+	useResourceQuery,
 } from "@/shared/api";
 
 type StockPeriod = NonNullable<
@@ -14,7 +15,7 @@ type StockPeriod = NonNullable<
 const STOCK_STALE_TIME_MS = 30_000;
 
 function useStockSearch(query: string) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
 		...apiQueryClient.queryOptions("get", "/api/v1/stocks", {
 			params: { query: { query } },
 		}),
@@ -35,7 +36,10 @@ function useStocks(uids: string[]) {
 	const uniqueUids = [...new Set(uids)];
 	const queries = useAuthenticatedQueries(uniqueUids.map(stockQueryOptions));
 	return new Map(
-		queries.map((query, index) => [uniqueUids[index], query.data]),
+		queries.map((query, index) => [
+			uniqueUids[index],
+			unwrapResourceResult(query).data,
+		]),
 	);
 }
 
@@ -45,11 +49,11 @@ function useStock(identifier: string) {
 			identifier,
 		);
 
-	const byUid = useAuthenticatedQuery({
+	const byUid = useResourceQuery({
 		...stockQueryOptions(identifier),
 		enabled: Boolean(identifier) && isUid,
 	});
-	const byTicker = useAuthenticatedQuery({
+	const byTicker = useResourceQuery({
 		...apiQueryClient.queryOptions("get", "/api/v1/stocks/by-ticker/{ticker}", {
 			params: { path: { ticker: identifier } },
 		}),
@@ -59,7 +63,7 @@ function useStock(identifier: string) {
 	return isUid ? byUid : byTicker;
 }
 function useStockQuote(uid: string) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
 		...apiQueryClient.queryOptions("get", "/api/v1/stocks/{uid}/quote", {
 			params: { path: { uid } },
 		}),
@@ -68,7 +72,7 @@ function useStockQuote(uid: string) {
 	});
 }
 function useStockCandles(uid: string, period: StockPeriod) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
 		...apiQueryClient.queryOptions("get", "/api/v1/stocks/{uid}/candles", {
 			params: { path: { uid }, query: { period } },
 		}),
@@ -77,7 +81,8 @@ function useStockCandles(uid: string, period: StockPeriod) {
 	});
 }
 function useStockPosition(uid: string) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
+		meta: { accessGroup: "brokerage" },
 		...apiQueryClient.queryOptions("get", "/api/v1/stocks/{uid}/position", {
 			params: { path: { uid } },
 		}),
@@ -86,7 +91,7 @@ function useStockPosition(uid: string) {
 	});
 }
 function useStockCompany(uid: string) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
 		...apiQueryClient.queryOptions("get", "/api/v1/stocks/{uid}/company", {
 			params: { path: { uid } },
 		}),
@@ -95,7 +100,8 @@ function useStockCompany(uid: string) {
 	});
 }
 function useStockDividends(uid: string) {
-	return useAuthenticatedQuery({
+	return useResourceQuery({
+		meta: { accessGroup: "brokerage" },
 		...apiQueryClient.queryOptions("get", "/api/v1/stocks/{uid}/dividends", {
 			params: { path: { uid } },
 		}),

src/features/auth/index.ts

@@ -1,4 +1,4 @@
 export { AuthProvider, useAuth } from "./model/auth";
-export { AuthPageLayout } from "./ui/AuthPageLayout";
+export { AuthPageLayout } from "./ui/AuthPageLayout/AuthPageLayout";
 export { LoginForm } from "./ui/LoginForm";
 export { RegisterForm } from "./ui/RegisterForm";

src/features/auth/model/auth.test.tsx

@@ -5,6 +5,7 @@ import type { FC, PropsWithChildren } from "react";
 import { describe, expect, it } from "vitest";
 import { apiClient, apiQueryClient, useAuthenticatedQuery } from "@/shared/api";
 import { createTestQueryClient } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { AuthProvider, useAuth } from "./auth";
 
@@ -24,7 +25,7 @@ describe("AuthProvider", () => {
 			),
 			http.get("*/api/v1/brokerage-accounts", ({ request }) => {
 				authorization = request.headers.get("Authorization");
-				return HttpResponse.json([]);
+				return HttpResponse.json(resource([]));
 			}),
 		);
 		const queryClient = createTestQueryClient();

src/features/auth/model/auth.tsx

@@ -143,8 +143,8 @@ const AuthProvider: FC<PropsWithChildren> = (props) => {
 			refresh,
 			clear: clearSession,
 		});
-		return () => configureAuthClient(null);
 	});
+	useEffect(() => () => configureAuthClient(null), []);
 
 	return (
 		<AuthContext

src/features/auth/ui/AuthForm/AuthForm.tsx

@@ -9,7 +9,7 @@ import {
 	type AuthFormValues,
 	loginSchema,
 	registerSchema,
-} from "../model/validation";
+} from "../../model/validation";
 import classes from "./AuthForm.module.css";
 
 type AuthFormProps = {

src/features/auth/ui/LoginForm.tsx

@@ -1,7 +1,7 @@
 import type { FC } from "react";
 import { useLocation, useNavigate } from "react-router";
 import { useAuth } from "../model/auth";
-import { AuthForm } from "./AuthForm";
+import { AuthForm } from "./AuthForm/AuthForm";
 
 const LoginForm: FC = () => {
 	const { login } = useAuth();

src/features/auth/ui/RegisterForm.tsx

@@ -1,7 +1,7 @@
 import type { FC } from "react";
 import { useLocation, useNavigate } from "react-router";
 import { useAuth } from "../model/auth";
-import { AuthForm } from "./AuthForm";
+import { AuthForm } from "./AuthForm/AuthForm";
 
 const RegisterForm: FC = () => {
 	const { register } = useAuth();

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

@@ -0,0 +1,59 @@
+import { describe, expect, it, vi } from "vitest";
+import { resource } from "@/test/resource";
+import { section } from "./section";
+
+describe("instrument source and transport presentation", () => {
+	it.each(["missing", "partial", "complete"] as const)(
+		"keeps %s separate from successful transport",
+		(availability) => {
+			const data = availability === "missing" ? undefined : { rows: [] };
+			const state = section({
+				data,
+				meta: resource(data, { availability }).meta,
+				isError: false,
+				isFetching: false,
+				refetch: vi.fn(),
+			});
+			expect(state.loading).toBe(availability === "missing");
+			expect(state.partial).toBe(availability === "partial");
+			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();
+		const meta = resource([], {
+			sync: { id: "work", state: "failed", errorCode: "TBANK_UNAVAILABLE" },
+		}).meta;
+		const state = section(
+			{ data: [], meta, isError: false, isFetching: false, refetch },
+			retry,
+		);
+		expect(state).toMatchObject({
+			hasData: true,
+			loading: false,
+			error: true,
+			refreshing: false,
+			lastSuccessfulAt: meta.lastSuccessfulAt,
+		});
+		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,
+			meta: resource(null, {
+				sync: { id: "work", state: "failed", errorCode: "TBANK_UNAVAILABLE" },
+			}).meta,
+			isError: false,
+			isFetching: false,
+			refetch: vi.fn(),
+		});
+		expect(state).toMatchObject({
+			hasData: false,
+			loading: false,
+			error: true,
+		});
+	});
+});

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

@@ -1,23 +1,44 @@
+import type { paths } from "@/shared/api";
+
+type Meta =
+	paths["/api/v1/tbank-sync/{id}"]["get"]["responses"][200]["content"]["application/json"]["resources"][number];
 type SectionState = {
+	stale?: boolean;
+	sourceError?: boolean;
+	partial?: boolean;
+	lastSuccessfulAt?: string | null;
 	hasData: boolean;
 	loading: boolean;
 	error: boolean;
 	refreshing: boolean;
 	retry: () => void;
 };
-function section(query: {
-	data: unknown;
-	isError: boolean;
-	isFetching: boolean;
-	refetch: () => unknown;
-}): SectionState {
+function section(
+	query: {
+		data: unknown;
+		meta?: Meta;
+		isError: boolean;
+		isFetching: boolean;
+		refetch: () => unknown;
+	},
+	retry?: () => unknown,
+): SectionState {
+	const error = query.isError || query.meta?.sync.state === "failed";
 	return {
+		stale: query.meta?.freshness === "stale",
+		sourceError: query.meta?.sync.state === "failed",
+		partial: query.meta?.availability === "partial",
+		lastSuccessfulAt: query.meta?.lastSuccessfulAt,
 		hasData: Boolean(query.data),
-		loading: !query.data && !query.isError,
-		error: query.isError,
-		refreshing: Boolean(query.data) && query.isFetching,
+		loading: !query.data && !error,
+		error,
+		refreshing:
+			Boolean(query.data) &&
+			(query.isFetching ||
+				query.meta?.sync.state === "running" ||
+				query.meta?.sync.state === "queued"),
 		retry: () => {
-			void query.refetch();
+			void (retry ?? query.refetch)();
 		},
 	};
 }

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

@@ -2,10 +2,12 @@ import type { BrokerageOperation } from "@/entities/broker-operation";
 import type { paths } from "@/shared/api";
 import type { SectionState } from "./section";
 
-type Position =
-	paths["/api/v1/stocks/{uid}/position"]["get"]["responses"][200]["content"]["application/json"];
-type Candles =
-	paths["/api/v1/stocks/{uid}/candles"]["get"]["responses"][200]["content"]["application/json"];
+type Position = NonNullable<
+	paths["/api/v1/stocks/{uid}/position"]["get"]["responses"][200]["content"]["application/json"]["data"]
+>;
+type Candles = NonNullable<
+	paths["/api/v1/stocks/{uid}/candles"]["get"]["responses"][200]["content"]["application/json"]["data"]
+>;
 type ChartRow = Candles["candles"][number] & { date: string; price: number };
 type InstrumentPositionVm = {
 	position?: Position;

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

@@ -177,7 +177,13 @@ const InstrumentChart: FC<InstrumentChartProps> = (props) => {
 						</Accordion>
 					</>
 				) : (
-					<Text c="dimmed">{t("stock.noCandles")}</Text>
+					<Text c="dimmed">
+						{t(
+							vm.candlesState.partial
+								? "investment.partial"
+								: "stock.noCandles",
+						)}
+					</Text>
 				)
 			) : null}
 		</InstrumentSection>

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

@@ -60,7 +60,11 @@ const InstrumentEvents: FC<InstrumentEventsProps> = (props) => {
 						</Stack>
 					) : (
 						<Text c="dimmed" py="lg">
-							{t("stock.noOperations")}
+							{t(
+								vm.operationsState.partial
+									? "investment.partial"
+									: "stock.noOperations",
+							)}
 						</Text>
 					)}
 					<Group justify="space-between" mt="md">

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

@@ -11,6 +11,7 @@ import {
 import { LoadingSkeleton } from "@wealthledger/ui";
 import type { FC, PropsWithChildren, ReactNode } from "react";
 import { useTranslation } from "react-i18next";
+import { formatSnapshotTime } from "@/shared/lib";
 import type { SectionState } from "../model/section";
 import classes from "./InstrumentDetails.module.css";
 
@@ -38,20 +39,40 @@ const InstrumentSection: FC<InstrumentSectionProps> = (props) => {
 				</Title>
 				{props.controls}
 			</Group>
+			{props.state.stale ? (
+				<Text size="xs">{t("investment.stale")}</Text>
+			) : null}
+			{props.state.partial ? (
+				<Text role="status">{t("investment.partial")}</Text>
+			) : null}
+			{props.state.lastSuccessfulAt ? (
+				<Text size="xs" c="dimmed">
+					{t("investment.sourceTime", {
+						date: formatSnapshotTime(props.state.lastSuccessfulAt),
+					})}
+				</Text>
+			) : null}
 			{props.state.refreshing ? (
 				<Text role="status" size="xs" c="dimmed">
 					{t("accounts.refreshing")}
 				</Text>
 			) : null}
 			{props.state.error ? (
-				<Alert color="orange" mb="sm" role="alert">
+				<Alert color="orange" mb="sm" role="status" aria-live="polite">
 					<Group justify="space-between">
 						<Text size="sm">
-							{props.state.hasData
-								? t("accounts.refreshError")
-								: t("stock.sectionError")}
+							{props.state.sourceError
+								? t("investment.syncFailed")
+								: props.state.hasData
+									? t("accounts.refreshError")
+									: t("stock.sectionError")}
 						</Text>
-						<Button size="xs" variant="default" onClick={props.state.retry}>
+						<Button
+							size="xs"
+							variant="default"
+							onClick={props.state.retry}
+							disabled={props.state.refreshing}
+						>
 							{t("accounts.retry")}
 						</Button>
 					</Group>

src/features/tbank-connection/index.ts

@@ -1 +1,7 @@
-export { TbankConnectionSection } from "./ui/TbankConnectionSection";
+export { useScreenSync } from "./model/screen-sync";
+export {
+	type InvestmentScreen,
+	useTbankSync,
+	useTbankSyncStatus,
+} from "./model/sync";
+export { TbankConnectionSection } from "./ui/TbankConnectionSection/TbankConnectionSection";

src/features/tbank-connection/model/connection-boundary.ts

@@ -1,5 +1,9 @@
 import type { QueryClient } from "@tanstack/react-query";
-import { apiQueryClient, type paths } from "@/shared/api";
+import {
+	apiQueryClient,
+	invalidateApiRequests,
+	type paths,
+} from "@/shared/api";
 
 type TbankConnectionStatus =
 	paths["/api/v1/tbank-connection"]["get"]["responses"][200]["content"]["application/json"];
@@ -15,6 +19,13 @@ function commitTbankConnectionBoundary(
 	queryClient: QueryClient,
 	status: TbankConnectionStatus,
 ) {
+	invalidateApiRequests(
+		(path) =>
+			path.startsWith("/api/v1/brokerage-accounts") ||
+			path.startsWith("/api/v1/stocks") ||
+			path.startsWith("/api/v1/bonds") ||
+			path.startsWith("/api/v1/tbank-sync"),
+	);
 	queryClient.setQueryData(tbankConnectionQueryKey, status);
 	void queryClient.resetQueries({
 		predicate: ({ queryKey }) => {
@@ -22,7 +33,8 @@ function commitTbankConnectionBoundary(
 			return (
 				method === "get" &&
 				typeof path === "string" &&
-				(path === "/api/v1/bonds" ||
+				(path.startsWith("/api/v1/tbank-sync") ||
+					path === "/api/v1/bonds" ||
 					path.startsWith("/api/v1/bonds/") ||
 					path === "/api/v1/stocks" ||
 					path.startsWith("/api/v1/stocks/") ||

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

@@ -0,0 +1,268 @@
+import { act, renderHook, waitFor } from "@testing-library/react";
+import { HttpResponse, http } from "msw";
+import { describe, expect, it, vi } from "vitest";
+import { useBrokerageAccounts } from "@/entities/brokerage-account";
+import { configureAuthClient } from "@/shared/api";
+import { createQueryWrapper } from "@/test/query";
+import { resource } from "@/test/resource";
+import { server } from "@/test/server";
+import { useScreenSync } from "../index";
+
+function auth() {
+	configureAuthClient({
+		accessToken: () => "synthetic",
+		refresh: async () => true,
+		clear: vi.fn(),
+	});
+}
+describe("page-owned screen synchronization", () => {
+	it("posts only its scope once and observes completion without importing again", async () => {
+		auth();
+		const modes: (string | null)[] = [];
+		const bodies: unknown[] = [];
+		let completed = false;
+		let polls = 0;
+		const meta = () =>
+			resource([], { stateVersion: completed ? "2" : "1" }).meta;
+		server.use(
+			http.get("*/api/v1/brokerage-accounts", ({ request }) => {
+				modes.push(new URL(request.url).searchParams.get("sync"));
+				return HttpResponse.json(resource([], meta()));
+			}),
+			http.post("*/api/v1/tbank-sync", async ({ request }) => {
+				bodies.push(await request.json());
+				completed = true;
+				return HttpResponse.json(
+					{
+						id: "screen",
+						scope: { screen: "accounts" },
+						now: "2026-09-25T00:00:00Z",
+					},
+					{ status: 202 },
+				);
+			}),
+			http.get("*/api/v1/tbank-sync/:id", () => {
+				polls++;
+				return HttpResponse.json({
+					id: "screen",
+					scope: { screen: "accounts" },
+					now: "2026-09-25T00:00:00Z",
+					state: "succeeded",
+					errorCode: null,
+					progress: { total: 1, completed: 1, discovering: false },
+					resources: [meta()],
+				});
+			}),
+		);
+		const { result, unmount } = renderHook(
+			() => {
+				const accounts = useBrokerageAccounts();
+				return {
+					accounts,
+					sync: useScreenSync({ screen: "accounts" }, [accounts]),
+				};
+			},
+			{ wrapper: createQueryWrapper().wrapper },
+		);
+		await waitFor(() => expect(result.current.accounts.data).toEqual([]));
+		await act(async () => {
+			await Promise.all([
+				result.current.sync.refresh(),
+				result.current.sync.refresh(),
+			]);
+		});
+		await waitFor(() =>
+			expect(result.current.accounts.meta?.stateVersion).toBe("2"),
+		);
+		expect(bodies).toEqual([{ screen: "accounts" }]);
+		expect(modes).toEqual([null, "observe"]);
+		vi.useFakeTimers();
+		try {
+			await act(() => vi.advanceTimersByTimeAsync(120000));
+			expect(polls).toBe(1);
+			expect(modes).toEqual([null, "observe"]);
+			unmount();
+			await vi.advanceTimersByTimeAsync(120000);
+			expect(polls).toBe(1);
+		} finally {
+			vi.useRealTimers();
+		}
+	});
+	it.each(["leave", "logout"])(
+		"publishes completed empty coverage while history runs, then stops on %s",
+		async (boundary) => {
+			vi.useFakeTimers({ toFake: ["Date"] });
+			try {
+				auth();
+				let completed = false;
+				let polls = 0;
+				const modes: (string | null)[] = [];
+				const snapshot = () =>
+					resource(completed ? [] : null, {
+						stateVersion: completed ? "covered" : "initial",
+						sync: { id: "history", state: "running", errorCode: null },
+					});
+				server.use(
+					http.get("*/api/v1/brokerage-accounts", ({ request }) => {
+						modes.push(new URL(request.url).searchParams.get("sync"));
+						return HttpResponse.json(snapshot());
+					}),
+					http.get("*/api/v1/tbank-sync/:id", () => {
+						polls++;
+						return HttpResponse.json({
+							id: "history",
+							scope: null,
+							now: "2026-09-25T00:00:00Z",
+							state: "running",
+							errorCode: null,
+							progress: {
+								total: 2,
+								completed: completed ? 1 : 0,
+								discovering: true,
+							},
+							resources: [snapshot().meta],
+						});
+					}),
+				);
+				const { result, unmount } = renderHook(
+					() => {
+						const accounts = useBrokerageAccounts();
+						return {
+							accounts,
+							sync: useScreenSync({ screen: "accounts" }, [accounts]),
+						};
+					},
+					{ wrapper: createQueryWrapper().wrapper },
+				);
+				await waitFor(() =>
+					expect(result.current.accounts.meta?.sync.id).toBe("history"),
+				);
+				await waitFor(() => expect(polls).toBeGreaterThan(0));
+				expect(result.current.sync.refreshing).toBe(true);
+				expect(result.current.accounts.data).toBeUndefined();
+				completed = true;
+				vi.setSystemTime(Date.now() + 61000);
+				await waitFor(() => expect(result.current.accounts.data).toEqual([]), {
+					timeout: 3000,
+				});
+				expect(result.current.sync.refreshing).toBe(true);
+				await act(async () => {
+					await new Promise((resolve) => setTimeout(resolve, 1100));
+				});
+				expect(modes).toEqual([null, "observe"]);
+				if (boundary === "leave") unmount();
+				else await act(() => configureAuthClient(null));
+				const stopped = polls;
+				await act(async () => {
+					await new Promise((resolve) => setTimeout(resolve, 1100));
+				});
+				expect(polls).toBe(stopped);
+			} finally {
+				vi.useRealTimers();
+			}
+		},
+	);
+
+	it("clears private snapshots when status confirms access loss", async () => {
+		auth();
+		server.use(
+			http.get("*/api/v1/brokerage-accounts", () =>
+				HttpResponse.json(
+					resource([], {
+						sync: { id: "revoked", state: "running", errorCode: null },
+					}),
+				),
+			),
+			http.get("*/api/v1/tbank-sync/:id", () =>
+				HttpResponse.json({ code: "INVALID_TBANK_TOKEN" }, { status: 400 }),
+			),
+		);
+		const { result } = renderHook(
+			() => {
+				const accounts = useBrokerageAccounts();
+				return {
+					accounts,
+					sync: useScreenSync({ screen: "accounts" }, [accounts]),
+				};
+			},
+			{ wrapper: createQueryWrapper().wrapper },
+		);
+		await waitFor(() => expect(result.current.accounts.isError).toBe(true));
+		expect(result.current.accounts.data).toBeUndefined();
+	});
+	it("observes a projection when only its dependency reports new coverage", async () => {
+		auth();
+		let observed = false;
+		const modes: (string | null)[] = [];
+		const dependency = resource([], {
+			resourceKey: "operations",
+			stateVersion: observed ? "covered" : "initial",
+			sync: {
+				id: "dependency",
+				state: observed ? "idle" : "running",
+				errorCode: null,
+			},
+		}).meta;
+		server.use(
+			http.get("*/api/v1/brokerage-accounts", ({ request }) => {
+				const mode = new URL(request.url).searchParams.get("sync");
+				modes.push(mode);
+				if (mode) observed = true;
+				return HttpResponse.json(
+					resource(observed ? [] : null, {
+						resourceKey: "projection",
+						dependencies: [
+							{ ...dependency, stateVersion: observed ? "covered" : "initial" },
+						],
+					}),
+				);
+			}),
+			http.get("*/api/v1/tbank-sync/:id", () =>
+				HttpResponse.json({
+					id: "dependency",
+					scope: null,
+					now: "2026-09-25T00:00:00Z",
+					state: "succeeded",
+					errorCode: null,
+					progress: { total: 1, completed: 1, discovering: false },
+					resources: [{ ...dependency, stateVersion: "covered" }],
+				}),
+			),
+		);
+		const { result } = renderHook(
+			() => {
+				const accounts = useBrokerageAccounts();
+				useScreenSync({ screen: "accounts" }, [accounts]);
+				return accounts;
+			},
+			{ wrapper: createQueryWrapper().wrapper },
+		);
+		await waitFor(() => expect(result.current.data).toEqual([]));
+		expect(modes).toEqual([null, "observe"]);
+	});
+
+	it("preserves a fresh snapshot and timestamp after a failed force", async () => {
+		auth();
+		const saved = resource([], { lastSuccessfulAt: "2026-09-25T01:00:00Z" });
+		server.use(
+			http.get("*/api/v1/brokerage-accounts", () => HttpResponse.json(saved)),
+			http.post("*/api/v1/tbank-sync", () =>
+				HttpResponse.json({ code: "TBANK_UNAVAILABLE" }, { status: 503 }),
+			),
+		);
+		const { result } = renderHook(
+			() => {
+				const accounts = useBrokerageAccounts();
+				return {
+					accounts,
+					sync: useScreenSync({ screen: "accounts" }, [accounts]),
+				};
+			},
+			{ wrapper: createQueryWrapper().wrapper },
+		);
+		await waitFor(() => expect(result.current.accounts.data).toEqual([]));
+		await act(() => result.current.sync.refresh());
+		await waitFor(() => expect(result.current.sync.transportError).toBe(true));
+		expect(result.current.accounts.meta).toEqual(saved.meta);
+	});
+});

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

@@ -0,0 +1,148 @@
+import { useQueryClient } from "@tanstack/react-query";
+import { useEffect, useRef, useState } from "react";
+import {
+	apiErrorCode,
+	apiQueryClient,
+	invalidateResourceAccess,
+	type paths,
+	useAuthenticatedQueries,
+} from "@/shared/api";
+import { type InvestmentScreen, useTbankSync } from "./sync";
+
+type ResourceMeta =
+	paths["/api/v1/tbank-sync/{id}"]["get"]["responses"][200]["content"]["application/json"]["resources"][number];
+type ScreenResource = {
+	meta?: ResourceMeta;
+	observe: (version?: string) => Promise<unknown>;
+};
+const STATUS_INTERVAL_MS = 1000;
+
+function useScreenSync(scope: InvestmentScreen, resources: ScreenResource[]) {
+	const mutation = useTbankSync();
+	const client = useQueryClient();
+	const denied = useRef(new Set<unknown>());
+	const scopeKey = JSON.stringify(scope);
+	const [requested, setRequested] = useState<{
+		scope: string;
+		id: string;
+	} | null>(null);
+	const requestInFlight = useRef<string | null>(null);
+	const currentScope = useRef(scopeKey);
+	currentScope.current = scopeKey;
+	const currentMutation = JSON.stringify(mutation.variables?.body) === scopeKey;
+	const observed = useRef(new Map<string, string>());
+	const ids = [
+		...new Set([
+			...(requested?.scope === scopeKey ? [requested.id] : []),
+			...resources
+				.flatMap(({ meta }) =>
+					meta ? [meta, ...(meta.dependencies ?? [])] : [],
+				)
+				.flatMap((meta) =>
+					meta?.sync.id &&
+					(meta.sync.state === "running" || meta.sync.state === "queued")
+						? [meta.sync.id]
+						: [],
+				),
+		]),
+	];
+	const statuses = useAuthenticatedQueries(
+		ids.map((id) => ({
+			...apiQueryClient.queryOptions("get", "/api/v1/tbank-sync/{id}", {
+				params: { path: { id } },
+			}),
+			retry: false,
+			refetchOnMount: false,
+			refetchOnWindowFocus: false,
+			refetchInterval: (query: {
+				state: { error: unknown; data?: { state: string } };
+			}) =>
+				query.state.error ||
+				(query.state.data && query.state.data.state !== "running")
+					? false
+					: STATUS_INTERVAL_MS,
+		})),
+	);
+	useEffect(() => {
+		for (const status of statuses) {
+			if (status.error && !denied.current.has(status.error)) {
+				denied.current.add(status.error);
+				if (apiErrorCode(status.error) !== "NOT_FOUND")
+					invalidateResourceAccess(client, "brokerage", status.error);
+			}
+		}
+		const latest = new Map<string, ResourceMeta>();
+		for (const status of [...statuses].sort(
+			(a, b) => a.dataUpdatedAt - b.dataUpdatedAt,
+		))
+			for (const meta of status.data?.resources ?? []) {
+				latest.set(meta.resourceKey, meta);
+				for (const dependency of meta.dependencies ?? [])
+					latest.set(dependency.resourceKey, dependency);
+			}
+		for (const resource of resources) {
+			if (!resource.meta) continue;
+			const changed = [
+				resource.meta,
+				...(resource.meta.dependencies ?? []),
+			].flatMap((current) => {
+				const notified = latest.get(current.resourceKey);
+				return notified && notified.stateVersion !== current.stateVersion
+					? [notified]
+					: [];
+			});
+			if (!changed.length) continue;
+			const notification = JSON.stringify(
+				changed.map((meta) => [meta.resourceKey, meta.stateVersion]),
+			);
+			if (observed.current.get(resource.meta.resourceKey) === notification)
+				continue;
+			observed.current.set(resource.meta.resourceKey, notification);
+			const own = changed.find(
+				(meta) => meta.resourceKey === resource.meta?.resourceKey,
+			);
+			void resource.observe(own?.stateVersion).catch(() => undefined);
+		}
+	}, [client, statuses, resources]);
+	const refreshing =
+		(currentMutation && mutation.isPending) ||
+		statuses.some(
+			(status) => !status.isError && status.data?.state === "running",
+		) ||
+		resources.some(({ meta }) => {
+			const status = statuses[ids.indexOf(meta?.sync.id ?? "")];
+			return (
+				!status?.isError &&
+				(!status?.data || status.data.state === "running") &&
+				(meta?.sync.state === "running" || meta?.sync.state === "queued")
+			);
+		});
+	const refresh = async () => {
+		if (requestInFlight.current === scopeKey || refreshing) return;
+		requestInFlight.current = scopeKey;
+		try {
+			const accepted = await mutation.mutateAsync({ body: scope });
+			if (
+				currentScope.current === scopeKey &&
+				requestInFlight.current === scopeKey
+			)
+				setRequested({ scope: scopeKey, id: accepted.id });
+		} catch {
+			/* The mutation retains the transport error for presentation. */
+		} finally {
+			if (requestInFlight.current === scopeKey) requestInFlight.current = null;
+		}
+	};
+	return {
+		refresh,
+		refreshing,
+		transportError:
+			(currentMutation && mutation.isError) ||
+			statuses.some((status) => status.isError),
+		sourceError:
+			statuses.some((status) => status.data?.state === "failed") ||
+			resources.some(({ meta }) => meta?.sync.state === "failed"),
+	};
+}
+
+export { useScreenSync };

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

@@ -0,0 +1,114 @@
+import { act, renderHook, waitFor } from "@testing-library/react";
+import { HttpResponse, http } from "msw";
+import { describe, expect, it, vi } from "vitest";
+import { apiQueryClient, configureAuthClient } from "@/shared/api";
+import { createQueryWrapper } from "@/test/query";
+import { server } from "@/test/server";
+import {
+	type InvestmentScreen,
+	useTbankSync,
+	useTbankSyncStatus,
+} from "../index";
+import { commitTbankConnectionBoundary } from "./connection-boundary";
+
+describe("sync connection and session boundaries", () => {
+	it.each(["connection", "session"])(
+		"discards pending status and mutation after %s changes",
+		async (boundary) => {
+			let generation = 0;
+			configureAuthClient({
+				generation: () => generation,
+				accessToken: () => "synthetic",
+				refresh: async () => true,
+				clear: vi.fn(),
+			});
+			let release!: () => void;
+			const blocked = new Promise<void>((resolve) => {
+				release = resolve;
+			});
+			const accepted = {
+				id: "work",
+				scope: { screen: "accounts" },
+				now: "2026-09-25T12:00:00Z",
+			};
+			let started = 0;
+			let changed = false;
+			server.use(
+				http.post("*/api/v1/tbank-sync", async () => {
+					started += 1;
+					await blocked;
+					return HttpResponse.json(accepted, { status: 202 });
+				}),
+				http.get("*/api/v1/tbank-sync/:id", async () => {
+					const now = changed ? "2026-09-25T12:01:00Z" : accepted.now;
+					started += 1;
+					await blocked;
+					return HttpResponse.json({
+						...accepted,
+						now,
+						state: "succeeded",
+						errorCode: null,
+						progress: { total: 1, completed: 1, discovering: false },
+						resources: [],
+					});
+				}),
+			);
+			const { wrapper, queryClient } = createQueryWrapper();
+			const published: string[] = [];
+			const unsubscribe = queryClient.getQueryCache().subscribe((event) => {
+				if (event.query.queryKey[1] === "/api/v1/tbank-sync/{id}") {
+					const data = event.query.state.data as { now?: string } | undefined;
+					if (data?.now) published.push(data.now);
+				}
+			});
+			const { result } = renderHook(
+				() => ({
+					mutation: useTbankSync(),
+					status: useTbankSyncStatus("work"),
+				}),
+				{ wrapper },
+			);
+			const screen: InvestmentScreen = { screen: "accounts" };
+			let mutation!: Promise<unknown>;
+			act(() => {
+				mutation = result.current.mutation.mutateAsync({ body: screen });
+			});
+			const discarded = expect(mutation).rejects.toMatchObject({
+				name: "AbortError",
+			});
+			await waitFor(() => expect(started).toBe(2));
+			await act(async () => {
+				changed = true;
+				if (boundary === "connection")
+					commitTbankConnectionBoundary(queryClient, {
+						connected: false,
+						connectedAt: null,
+					});
+				else {
+					generation += 1;
+					queryClient.clear();
+				}
+				release();
+				await blocked;
+			});
+			await discarded;
+			expect(result.current.mutation.data).toBeUndefined();
+			const key = apiQueryClient.queryOptions(
+				"get",
+				"/api/v1/tbank-sync/{id}",
+				{ params: { path: { id: "work" } } },
+			).queryKey;
+			// A new request may start after a successful connection boundary; an old result cannot win it.
+			if (boundary === "session")
+				expect(queryClient.getQueryData(key)).toBeUndefined();
+			else
+				await waitFor(() =>
+					expect(queryClient.getQueryData(key)).toMatchObject({
+						now: "2026-09-25T12:01:00Z",
+					}),
+				);
+			expect(published).not.toContain(accepted.now);
+			unsubscribe();
+		},
+	);
+});

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

@@ -0,0 +1,24 @@
+import {
+	apiQueryClient,
+	type paths,
+	useAuthenticatedQuery,
+} from "@/shared/api";
+
+type InvestmentScreen =
+	paths["/api/v1/tbank-sync"]["post"]["requestBody"]["content"]["application/json"];
+function useTbankSync() {
+	return apiQueryClient.useMutation("post", "/api/v1/tbank-sync", {
+		retry: false,
+	});
+}
+function useTbankSyncStatus(id: string | null) {
+	return useAuthenticatedQuery({
+		...apiQueryClient.queryOptions("get", "/api/v1/tbank-sync/{id}", {
+			params: { path: { id: id ?? "" } },
+		}),
+		enabled: Boolean(id),
+		retry: false,
+	});
+}
+
+export { type InvestmentScreen, useTbankSync, useTbankSyncStatus };