chore(release): 1.2.1

Reviewed-on: #80

.ai/architecture.md

@@ -8,7 +8,7 @@ Vitest — отдельную JSDOM конфигурацию. Точные versi
 [package.json](../package.json), реализация — source of truth.
 
 ```text
-app → pages → features → entities → shared
+app → pages → widgets → features → entities → shared
 page container → page VM → entity/feature query → shared/api → backend /api/v1
                          ↓
                  props → state/section views
@@ -30,13 +30,15 @@ contract; frontend не читает его checkout для генерации
 | --- | --- |
 | Bootstrap, глобальные providers, routes | `app` |
 | Композиция маршрута и поведение, нужное только этому экрану | `pages/<page>` |
+| Крупная переиспользуемая композиция экрана | `widgets/<widget>` |
 | Самостоятельная пользовательская возможность с собственным смыслом | `features/<capability>` |
 | Представление/поведение бизнес-сущности | `entities/<entity>` |
 | Переиспользуемый код без WealthLedger domain meaning | `shared` |
 
-Локальный FSD profile: `app → pages → features → entities → shared`, без `widgets`.
-Крупный уникальный блок остаётся в своей page. Form, mutation или click handler
-сами по себе не требуют feature. Два callers не делают domain helper generic shared.
+Локальный FSD profile: `app → pages → widgets → features → entities → shared`.
+Widget собирает несколько нижних слоёв в самостоятельный UI-блок; компонент для
+одной page остаётся у page. Form, mutation или click handler сами по себе не
+требуют feature. Два callers не делают domain helper generic shared.
 Slice именуется по ответственности, а не `helpers`, `hooks` или `types`.
 
 **Безопасный путь:** при сомнении оставь код у ближайшего допустимого owner.
@@ -47,12 +49,12 @@ Slice именуется по ответственности, а не `helpers`,
 
 Cross-slice consumer использует `@/` и `index.ts` владельца, например
 `@/entities/portfolio`. Alias Vite и TypeScript согласован. Другой slice не
-импортирует внутренний файл напрямую. Slices `pages`, `features`, `entities` не зависят от соседнего slice своего слоя;
+импортирует внутренний файл напрямую. Slices `pages`, `widgets`, `features`, `entities` не зависят от соседнего slice своего слоя;
 композиция принадлежит вышележащему owner. Existing меж-slice исключения
 не являются разрешением добавлять новые.
 
 Направление зависимостей, public imports и запрет соседних slices в
-`pages`, `features`, `entities` проверяет `npm run deps`. Внутренние imports
+`pages`, `widgets`, `features`, `entities` проверяет `npm run deps`. Внутренние imports
 одного slice и связи shared segments этот запрет не ограничивает.
 Knip проверяет использование exports, а не смысл placement.
 

.ai/conventions/data.md

@@ -30,7 +30,8 @@ backend checkout и не проверяют backend runtime OpenAPI; измен
 shape/status/route сохраняет
 публичный контракт предоставленного snapshot.
 Одна UI-модель не требует менять API. `openapi:generate` работает offline от snapshot;
-`openapi:check` генерирует во временный каталог и сравнивает, не меняя tracked files.
+`openapi:check` запускает native `--check` того же CLI и падает при устаревших
+generated types, не меняя tracked files.
 
 ## Auth и invalidation
 
@@ -39,6 +40,11 @@ Authorization. Auth endpoints исключены из Bearer/retry middleware. R
 координируется single-flight; после `401` с `UNAUTHORIZED` возможен один retry.
 Не добавляй собственный refresh/retry loop в caller.
 
+Refresh, завершившийся `401`, очищает session. Сетевая ошибка и `5xx`
+(например, деплой backend) не доказывают конец session: она сохраняется,
+`unavailable` показывает retry-экран вместо login, а следующий `401` снова
+запускает refresh. Retry/backoff внутри refresh не добавляется.
+
 Cookie-writing requests упорядочены только в текущей вкладке. Cross-tab auth
 synchronization не требуется; допустим reload/re-login. Web Locks и отдельные
 token stores не добавляются.

.ai/conventions/engineering.md

@@ -7,11 +7,19 @@
 checkout. Внешний API задаётся предоставленным публичным контрактом;
 исходники или инструкции его реализации не являются зависимостью разработки.
 При нехватке требования сообщи, какое решение не определено, до его реализации.
+При конфликте с общим шаблоном следуй местным правилам и явному запросу
+пользователя. Выбирай реализацию самостоятельно, но изменение финансовой
+логики, публичного контракта или утверждённой семантики возвращай владельцу
+на согласование до зависимой работы.
 
 Начни с результата и affected areas. До edits проследи flow/invariants, найди
 owner и 1–3 примера. Код показывает механизм; случайный аналог не меняет контракт.
-Работай напрямую; OpenSpec/SDD lifecycle — только по явному запросу.
-Перед Node-командами активируй местную `.nvmrc`: `nvm use --silent`.
+Выбери lightweight или SDD по [Engineering Workflow](https://git.personal.ksv741.ru/WealthLedger/main/src/commit/03b3b59e6ff2ba391f9dfc42a039a96d0d84c1c9/.ai/conventions/engineering-workflow.md);
+OpenSpec lifecycle начинай после явного решения Change Owner.
+Перед Node-командами активируй местную `.nvmrc`: если `nvm` не загружен в
+non-interactive shell, загрузи установленный `$HOME/.nvm/nvm.sh`; затем
+выполни `nvm use --silent` из frontend. Если `nvm.sh` недоступен, остановись,
+не используй системный Node.
 Сохраняй чужие staged/unstaged/untracked изменения и read-only архивы.
 
 ## Change scope
@@ -57,21 +65,33 @@ Peer-конфликт решай совместимыми версиями бе
 
 ## Проверки и завершение
 
-Code/dependency change: `npm ci`, полный `npm run verify` и дополнительные
-risk checks из местной testing convention. Targeted tests ускоряют итерацию,
-но не заменяют финальный gate. `lint:fix`/format — edits, не proof.
-Markdown-only: проверь новые/изменённые тексты, локальные ссылки/якоря, маршруты
-чтения и `git diff --check`; application build ради текста не нужен.
-Повтори routing по staged/unstaged/new files. Запиши краткие команды, результаты
-и ограничения. Зелёный lint не заменяет semantic/security review.
+| Когда | Что проверить |
+| --- | --- |
+| Окружение новое, изменились manifest/lockfile или Node, установка сомнительна | `npm ci` до Node-проверок; одна правка кода переустановки не требует. |
+| Итерация | Адресные тесты, typecheck и lint по затронутому поведению и риску. При изменении поведения добавь/обнови содержательную регрессию, если существующая проверка не ловит её; для косметики не создавай искусственный тест. |
+| Итоговый code/dependency diff | Перед объявлением готовности и передачей к интеграции выполни один полный `npm run verify` на итоговых входах. Дополнительные risk checks из testing convention и явно утверждённые task checks обязательны; CI проверяет независимо. |
+| Только Markdown | Проверь тексты, ссылки/якоря, маршруты чтения и `git diff --check`; application build не нужен. При изменении verification-контура проверь его работу. |
+| Pre-commit | Hook не скачивает tools: вызывай установленные бинарники из `node_modules/.bin` (не `npx`). Full graph не входит в hook; он выполняется в `npm run verify` и CI. |
+
+Повтори routing по staged/unstaged/new files. В отчёте по задаче/PR запиши
+проверенные входы, команду, exit code, результат и ограничения. Повторяй
+проверку при изменении значимых входов (включая config, dependencies и
+generated artifacts), сомнении в evidence или явном запросе пользователя.
+`lint:fix`/format — edits, не proof; lint не заменяет semantic/security review.
 
 ## Git и релизы
 
-Работа — в `codex/<task>` от актуального `develop`, затем PR в `develop`.
+Работа — в ветке `<type>/<issue-number>-<slug>` от актуального `develop`,
+затем PR в `develop`; для cross-repo ссылки укажи owner/repo#number.
 Сохраняй чужие изменения; перед commit просмотри staged paths и diff.
-Commits и PR titles — Conventional Commits; допустим `spec:`. Каждый commit
-содержит одну связанную задачу. При связанной issue добавь её номер в конец
-заголовка (`fix: … #12`); без issue номер не нужен. Root другого checkout
-не управляет этим repo.
+Commits и PR titles — Conventional Commits с parser-recognized Issue reference (`fix: … (#12)`
+или `chore: … (WealthLedger/main#27)`); допустим `spec:`. Каждый commit
+содержит одну связанную задачу. Исключения release и правила ссылки — в
+Engineering Workflow из AGENTS. Root другого checkout не управляет этим repo.
 Прямой push в `main`, force-push и перенос опубликованных тегов не входят в
-обычную работу. Перед release/hotfix прочитай местный README, раздел «Релизы».
+обычную работу. PR сливается squash или rebase-merge; merge-коммит не
+используется. `main` обновляется только fast-forward из `develop`, поэтому
+`origin/main` всегда предок `origin/develop`:
+`git merge-base --is-ancestor origin/main origin/develop`. Срочный fix —
+обычная ветка `fix/*` от `develop`; пути hotfix от `main` нет.
+Перед релизом прочитай местный README, раздел «Релизы».

.gitea/ISSUE_TEMPLATE/bug.md

@@ -0,0 +1,12 @@
+---
+name: Bug Report
+about: Неверное поведение
+---
+## Проблема и шаги воспроизведения
+
+## Факт / ожидание
+
+## Acceptance Criteria
+- [ ]
+
+## Окружение / ссылки (если применимо)

.gitea/ISSUE_TEMPLATE/engineering.md

@@ -0,0 +1,10 @@
+---
+name: Engineering Task
+about: CI, тесты, документация, процесс и прочее
+---
+## Контекст и результат
+
+## Scope / связанные Issues (если есть)
+
+## Acceptance Criteria
+- [ ]

.gitea/ISSUE_TEMPLATE/feature.md

@@ -0,0 +1,12 @@
+---
+name: Feature Request
+about: Новое наблюдаемое поведение
+---
+## Зачем и какой результат
+
+## Ожидаемое поведение
+
+## Acceptance Criteria
+- [ ]
+
+## Зависимости / связанные Issues (если есть)

.gitea/ISSUE_TEMPLATE/refactor.md

@@ -0,0 +1,12 @@
+---
+name: Refactoring / Technical Debt
+about: Улучшение без нового поведения
+---
+## Проблема и результат
+
+## Сохраняемые инварианты / границы
+
+## Acceptance Criteria
+- [ ]
+
+## Зависимости / ссылки (если есть)

.gitea/PULL_REQUEST_TEMPLATE.md

@@ -0,0 +1,11 @@
+## Summary
+
+## Linked Issue
+Refs
+
+## Changes
+
+## Verification
+- Команда / результат / ограничения:
+
+## Breaking Changes (если есть)

.gitea/workflows/pr-title.yml

@@ -0,0 +1,34 @@
+name: Frontend verify
+
+# Metadata-only: refreshes only the `commits` context after a PR title edit.
+# Same workflow name keeps the required context; `security` and `verify`
+# statuses of the head revision stay untouched (no skipped overwrite).
+on:
+  pull_request:
+    types: [edited]
+
+concurrency:
+  group: frontend-pr-title-${{ gitea.event.pull_request.number }}
+  cancel-in-progress: true
+
+jobs:
+  commits:
+    timeout-minutes: 15
+    runs-on: ubuntu-latest
+    steps:
+      - uses: https://github.com/actions/checkout@v4
+        with:
+          ref: ${{ github.event.pull_request.head.sha }}
+          fetch-depth: 0
+      - uses: https://github.com/actions/setup-node@v4
+        with:
+          node-version-file: .nvmrc
+      - run: npm ci --ignore-scripts
+      - name: Check PR title and commits
+        env:
+          PR_TITLE: ${{ github.event.pull_request.title }}
+          BASE_SHA: ${{ github.event.pull_request.base.sha }}
+          HEAD_SHA: ${{ github.event.pull_request.head.sha }}
+        run: |
+          printf '%s\n' "$PR_TITLE" | npm run commitlint -- --strict
+          npm run commitlint -- --strict --from "$BASE_SHA" --to "$HEAD_SHA"

.gitea/workflows/verify.yml

@@ -4,7 +4,7 @@ on:
   push:
     branches: [develop, main]
   pull_request:
-    types: [opened, synchronize, reopened, edited]
+    types: [opened, synchronize, reopened]
   schedule:
     - cron: '17 5 * * *'
 
@@ -34,7 +34,11 @@ jobs:
           HEAD_SHA: ${{ github.event.pull_request.head.sha }}
         run: |
           printf '%s\n' "$PR_TITLE" | npm run commitlint -- --strict
-          npm run commitlint -- --strict --from "$BASE_SHA" --to "$HEAD_SHA"
+          if [[ "$PR_TITLE" =~ ^chore\(release\):\ [0-9]+\.[0-9]+\.[0-9]+$ ]]; then
+            npm run commitlint -- --strict --from "$HEAD_SHA^" --to "$HEAD_SHA"
+          else
+            npm run commitlint -- --strict --from "$BASE_SHA" --to "$HEAD_SHA"
+          fi
 
   security:
     needs: commits

.husky/pre-commit

@@ -1,3 +1,6 @@
 gitleaks git --pre-commit --staged --redact=100 --no-banner || exit $?
-npx lint-staged
-npm run deps
+if [ ! -x node_modules/.bin/lint-staged ]; then
+	echo "lint-staged is not installed; run npm ci" >&2
+	exit 1
+fi
+node_modules/.bin/lint-staged

.nvmrc

@@ -1 +1 @@
-24.21.0
+24.22.1

AGENTS.md

@@ -4,6 +4,9 @@
 только его файлы и предоставленные публичные контракты. Перед работой прочитай
 [порядок работы](.ai/conventions/engineering.md#граница-и-порядок-работы), затем
 объединяй triggers задачи и путей; читай активированные темы до решения.
+До edits найди/создай подходящую Gitea Issue, проверь AC и ветку; чтение
+допускается без Issue. Общий маршрут — [Engineering Workflow](https://git.personal.ksv741.ru/WealthLedger/main/src/commit/03b3b59e6ff2ba391f9dfc42a039a96d0d84c1c9/.ai/conventions/engineering-workflow.md)
+(main#28; после merge — актуальная версия `develop`).
 
 | Решение / сигнал | Читать |
 | --- | --- |

CHANGELOG.md

@@ -1,5 +1,152 @@
 # Changelog
 
+## [1.2.1](https://git.personal.ksv741.ru/WealthLedger/frontend/compare/v1.2.0...v1.2.1) (2026-10-24)
+
+### Bug Fixes
+
+* keep session when refresh fails on network error or 5xx (WealthLedger/frontend[#97](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/97)) ([3af9df0](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/3af9df0ae2f0fb314c276504ef7d50a7472de680))
+* show snapshot time in browser time zone ([#101](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/101)) ([b009101](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/b009101b7b954e8462672a9da859267ebb71edc4))
+
+### Maintenance
+
+* bump Node to 24.22.1 (WealthLedger/backend[#122](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/122)) ([2cd6b1e](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/2cd6b1e72d97117b0c37465aac3d989b0469c1c3))
+* bump test stack and fix npm audit findings ([#105](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/105)) ([7e6fd95](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/7e6fd95cfaf7d288242fb46ec7091f561e6f3de5))
+* **deps:** update non-major dependencies [#9](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/9) ([b5ceb77](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/b5ceb77208e35a0e389258f3d3c4b85852980042))
+* resolve dev dependency audit findings (WealthLedger/frontend[#103](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/103)) ([7b6f34c](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/7b6f34c776fa3517c93b5c3468e3b277aaa6273f))
+
+## [1.2.0](https://git.personal.ksv741.ru/WealthLedger/frontend/compare/v1.1.0...v1.2.0) (2026-10-18)
+
+### Features
+
+* unify income payment cards and remove comparisons (WealthLedger/main[#33](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/33)) ([#74](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/74)) ([43b0f55](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/43b0f5574a79e26de0abae35de16d8aa8700f718))
+
+### Bug Fixes
+
+* align password validation with backend ASCII policy (WealthLedger/backend[#60](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/60)) ([#89](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/89)) ([ebe9268](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/ebe92684a74b4e2617b04ef00d9406b8a0f674ea))
+* **auth,bank:** guard switch-auth nav and surface banking retry ([e38ecd8](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/e38ecd87d6f69968bb56e6035ceeb6cfda208a3f)), closes [#56](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/56) [#57](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/57)
+* **bank:** break BankFeedback's shared/api edge for stories ([#80](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/80)) ([2336804](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/233680448f97dc3ec57d7665ec14c68ac92410e5))
+* deliver screener OpenAPI constraints (WealthLedger/backend[#70](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/70)) ([#85](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/85)) ([ed63ada](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/ed63adad94f5d0e20f7d0d1446a235f953d10ec2))
+* **events:** seven-date default period and picker from today (WealthLedger/frontend[#63](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/63)) ([612ab62](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/612ab6250979bf8d9b57f4feb6e1476ed3d759e4))
+* respect query eligibility in screen sync (WealthLedger/frontend[#54](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/54)) ([f295dea](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/f295dea6a6a33c597c753b52aff629d5382c963a))
+
+### Refactoring
+
+* derive payment-system options from schema tuple ([#58](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/58)) ([#75](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/75)) ([e67c47b](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/e67c47b102329877eb5d9c9d8bb4ea7c0bc70883))
+
+### Build
+
+* use native openapi-typescript --check ([#60](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/60)) ([#77](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/77)) ([df05c8c](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/df05c8c7dbb5d6816fb95d54ca43cd0d83eecd48))
+
+### CI
+
+* keep pre-commit proportionate and avoid tool downloads (WealthLedger/frontend[#62](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/62)) ([#86](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/86)) ([d409a29](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/d409a297e5f9ae5658d4efa958bda9a012a859a1))
+* recheck PR title on edited without the full pipeline (WealthLedger/frontend[#64](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/64)) ([bc28973](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/bc28973d1ad5e15bfbc2e5b73b00ba63449933db))
+
+### Tests
+
+* await client settlement in late-response cases (WealthLedger/frontend[#61](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/61)) ([#81](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/81)) ([f3725c2](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/f3725c202bd8cef4ba711085df82a921a2da6b7d))
+* cover non-retry of INVALID_TBANK_TOKEN reads (WealthLedger/backend[#59](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/59)) ([#90](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/90)) ([5134106](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/513410669680480a1f68f5720744cc85e43c8286))
+* cover null events and income envelopes on account pages ([#72](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/72)) ([#79](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/79)) ([e5f8bbe](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/e5f8bbe33cd438f432281818c5276abe9a425646))
+* cover null resource envelopes for account pages ([#70](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/70)) ([#71](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/71)) ([#78](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/78)) ([f7f53ff](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/f7f53ff8e4de3c1d06fac6063974ff9667145ed6))
+
+### Maintenance
+
+* adopt linear git model in frontend docs ([#91](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/91)) ([eefdde2](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/eefdde29f8da269581e90bd797078e10a39e472f))
+
+## [1.1.0](https://git.personal.ksv741.ru/WealthLedger/frontend/compare/v1.0.0...v1.1.0) (2026-10-12)
+
+### Features
+
+* add stock screener ([a84411d](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/a84411df39dc131290e9f5b5d9313fed17cc629a))
+* align investment client with hourly sync ([432cca2](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/432cca299f3a9a9e45b2697527369ee95f2d0adc))
+* render hourly investment states ([3c226f8](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/3c226f8c29efceccb75af0d6424639a757534f39))
+
+### Bug Fixes
+
+* align frontend workflow rules (WealthLedger/main[#27](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/27)) ([c315f80](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/c315f80b1b07ae0888366512ec157b8e29c81d62))
+* preserve latest stock screener result ([cec9c63](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/cec9c6348a389f16f272dac5533aebc9d12ceae8))
+* show bank summary totals ([20b2cdf](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/20b2cdfd432f8b01e447f68657cf5c685a297f1e))
+
+### Documentation
+
+* clarify frontend verification policy ([cac4351](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/cac4351bc4abf2cec7c5b6611a74d87bf4ec2f70))
+* pin frontend workflow reference (WealthLedger/main[#27](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/27)) ([0d747cc](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/0d747cc93ee08c337cf300c0367612708f45dfb9))
+
+### CI
+
+* skip checks on PR metadata edits ([c882120](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/c8821200ce699dab1ce65360d1968d5877a2e78b))
+
+### Maintenance
+
+* align frontend engineering workflow (WealthLedger/main[#27](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/27)) ([617edfd](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/617edfd489a6a84bb33b57386eca4eb54661f4f0))
+
+## [1.0.0](https://git.personal.ksv741.ru/WealthLedger/frontend/compare/v0.4.0...v1.0.0) (2026-10-07)
+
+### ⚠ BREAKING CHANGES
+
+* drop investment stateVersion/progress/resources
+  from the client contract and use data/metadata readiness instead of
+  rewritten query status. Cross-tab auth may require re-login.
+
+### Features
+
+* add quiet reading with rare confirmations ([5b30bb8](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/5b30bb802a4ec43c036066f9a7e178f37e747a0b))
+* default journal period to last 7 days ([0ea8d7b](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/0ea8d7b62d50a4b7c92e9a9934aead6246ac97f9))
+
+### Bug Fixes
+
+* **deps:** remove npm dependency on Nexus ([c096fc7](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/c096fc70ef442474c9b7766fdf5772b645166b92))
+* **deps:** resolve npm audit advisories ([f873db7](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/f873db7b027b6dee0c7382b4bd3df5198c7a4198))
+* **deps:** resolve npm audit advisories ([10baefd](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/10baefda790e7fb491c893724ddc4da7992103f0))
+* resolve frontend audit findings ([f6db28d](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/f6db28defa51bd9d8fe932ceae4c3c720aba7eb3))
+* sort stock and bond events by payment date ([f5f4447](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/f5f4447d60661aa92c80b50a16e8cb194dfa161f))
+
+### Performance
+
+* **tbank-connection:** poll screen sync every five seconds ([74f8a72](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/74f8a72ed55af2348fa3668f57312f4fdfc1e8a8)), references [WealthLedger/specs#21](https://git.personal.ksv741.ru/WealthLedger/specs/issues/21)
+
+### Refactoring
+
+* address frontend review feedback ([a4046db](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/a4046dbe87bd7dc949df32da3b6aaf174e6f5e8f))
+* clarify frontend model ownership ([0865b35](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/0865b35f93865b4052181d918cee80c995312930))
+* clarify frontend module ownership ([f9f0f69](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/f9f0f6921e86f6c81510373c680b136e4580f386))
+* encapsulate instrument chart data ([64fe902](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/64fe902192b60a72440635f5610ebe02cf8543f8))
+* enforce enum machine codes [#18](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/18) ([5b69003](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/5b6900351612b6ba34c694fc99612733e7901c79))
+* enforce frontend view model boundaries ([ca0ad4f](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/ca0ad4f824a47fa47e32d4717e27b15c8a985f7d))
+* move PortfolioStructure to widgets layer ([c25f6bd](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/c25f6bd85b88c4c7acb2f5ae6fc013aec77005b2))
+* remove redundant page view models ([fb3a5a6](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/fb3a5a6eaa0223a15ea2c9f585a06459371f0a25))
+* share instrument search presentation ([32a7786](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/32a77860c8eaea4a59a26e55b2d66976fd8f9484))
+* share source sync status presentation ([0bc8bc3](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/0bc8bc36b7263b7f0120a08df840b290b40d8116))
+* simplify auth and instrument pages ([b404c18](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/b404c1802a74f5f369173fdfcb086a3d5760e35a))
+* simplify calendar and form state ([94adbaf](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/94adbafa344b23d7f95c31db975d99d990bfcb8b))
+* simplify errors and focus tests ([7e976c3](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/7e976c330c54715018eda4bff0764c5d4de9c8b0))
+* simplify finance view models ([2844b22](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/2844b22dbace41a02c1b5a07b3801e84c66b3528))
+* simplify frontend state and mutation boundaries ([a7537da](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/a7537da34452ab1a15138ab0c1cd93d53d06c517))
+* simplify query and session ownership ([6999707](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/69997075e569da3edd43e242ef36f09311262412))
+* simplify resource queries and layout tests ([c1b0873](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/c1b08735e3a45d565c3836ae37ad76186bf48f26))
+* tighten types and reuse instrument UI ([7c28a42](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/7c28a423dd8a3cc4a5bdcb49b8de7018979df413))
+* unify bank form types and actions ([ff67a76](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/ff67a768addc0c4ba55247f5e2d9d5d5d5aec734))
+
+### CI
+
+* reduce duplicate actions and serialize checks ([95fdc87](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/95fdc8759e20f9baa4ac3d00e703752c79010e01))
+
+### Tests
+
+* remove redundant frontend checks ([320ea59](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/320ea5922a70ab81ce4f05c3c90eb7b6a664fa39))
+
+### Styles
+
+* pin ternary operator formatting [#18](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/18) ([12c3b72](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/12c3b72bfb32dff5f1ffdb36519c90f7ea852488))
+
+### Maintenance
+
+* add typed ESLint checks [#18](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/18) ([5763010](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/57630102e4bcc6b555dd546ba373a14a88256eed))
+* finish frontend ESLint migration [#18](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/18) ([72d7835](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/72d7835227340e349d99f57db134a635f276f6e9))
+* guard presentation data boundaries ([6a89b08](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/6a89b08ee571562fea349801169c40f1f993e9b9))
+* guard unsafe DOM HTML with ESLint [#18](https://git.personal.ksv741.ru/WealthLedger/frontend/issues/18) ([061ec70](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/061ec708c651029cd7d61d22319d11e7ac9f074e))
+* remove unused exports ([fcb938b](https://git.personal.ksv741.ru/WealthLedger/frontend/commit/fcb938b5a29fc82f00bbaa8b2ee776ca57dad010))
+
 ## [0.4.0](https://git.personal.ksv741.ru/WealthLedger/frontend/compare/v0.3.0...v0.4.0) (2026-09-26)
 
 ### Features

Dockerfile

@@ -1,4 +1,4 @@
-FROM node:24.21.0-bookworm-slim AS dependencies
+FROM node:24.22.1-bookworm-slim AS dependencies
 WORKDIR /app
 ENV HUSKY=0
 COPY package.json package-lock.json ./
@@ -19,7 +19,7 @@ COPY . .
 ENV VITE_API_BASE_URL=""
 RUN npm run build
 
-FROM nginx:1.28.0-alpine AS production
+FROM nginx:1.31.8-alpine AS production
 ARG VERSION
 ARG REVISION
 LABEL org.opencontainers.image.version=$VERSION \

README.md

@@ -19,8 +19,10 @@ npm run dev
 
 Для commits установите [Gitleaks](https://github.com/gitleaks/gitleaks/releases/tag/v8.30.1)
 8.30.1 в `PATH` (macOS: `brew install gitleaks`). Pre-commit сначала проверяет
-staged diff с полной редакцией секретов, затем запускает formatting и FSD checks.
-Находка или отсутствие Gitleaks блокирует commit.
+staged diff с полной редакцией секретов, затем запускает установленный
+`node_modules/.bin/lint-staged` только для staged JS/TS. Hook не скачивает tools и
+не запускает full graph: полный `npm run verify` выполняется в CI и перед передачей.
+Находка или отсутствие Gitleaks либо lint-staged блокирует commit.
 Проверка этого поведения: `node --test scripts/test-pre-commit.mjs`.
 
 ## Контейнерный image
@@ -116,7 +118,8 @@ Chromium при ширинах 375 и 1280 px. Browser project не исполь
 Единый `.gitea/workflows/verify.yml` запускает `commits → security → verify`
 последовательно на PR; на push в `develop`/`main` — `security → verify`.
 Рабочие ветки проверяются после открытия PR, без дублирующего push-запуска.
-Изменение заголовка PR тоже повторяет проверки Conventional Commits.
+Изменение заголовка PR запускает `.gitea/workflows/pr-title.yml` (то же имя workflow,
+только job `commits`): статусы `security` и `verify` на HEAD не перезаписываются.
 Новый запуск отменяет устаревший для того же PR/ветки и типа события
 (требуется Gitea 1.26+). Ежедневно в 05:17 UTC выполняется только `security`.
 Job `security` проверяет полную доступную историю Gitleaks 8.30.1 и выполняет
@@ -203,7 +206,8 @@ Checkout frontend содержит все входы сборки и прове
 локальную копию и не обращаются к исходникам или CI сервера. Доставка новой
 схемы — явное обновление snapshot с review и `npm run openapi:generate`.
 Runtime URL API задаётся окружением, а не расположением другого репозитория.
-Разработка идёт напрямую по задаче пользователя; OpenSpec/SDD — по явному запросу.
+Разработка начинается с Issue; lightweight или SDD выбирается по критериям
+Engineering Workflow из AGENTS. OpenSpec — после явного решения Change Owner.
 
 Knip исключает `conventional-changelog-conventionalcommits`: release-it загружает
 preset по имени из `.release-it.json`. Версия preset закреплена напрямую.
@@ -211,36 +215,61 @@ preset по имени из `.release-it.json`. Версия preset закреп
 ## Релизы
 
 Репозиторий выпускается независимо. `develop` — интеграция, `main` — принятые
-релизы. Работа: `codex/<task>` от актуального `develop`, PR в `develop`.
-Обычные PR допускают squash; release и обратная синхронизация сохраняют историю.
-Commits и PR titles — Conventional Commits, включая `spec:`. Версии вручную не повышай.
+релизы. Обычная работа: issue-linked ветка от актуального `develop`, PR в `develop`;
+общие правила — в Engineering Workflow по ссылке из AGENTS.
+PR сливается squash или rebase-merge; merge-коммит не используется. `main`
+обновляется только fast-forward из `develop`, поэтому история линейна:
 
-1. Получи `main`, `develop` и теги: `git fetch origin --tags`. Убедись, что
-   `develop` содержит последний релиз. Создай `release/<name>` от проверенного
-   `develop`; `nvm use --silent`, `npm ci`. Hotfix начинается от `main` в
-   `release/hotfix-<name>` и проходит тот же процесс.
+```text
+<type>/<issue>-<slug> --squash--> develop --ff-only--> main --> tag vX.Y.Z
+```
+
+Инвариант: `origin/main` всегда предок `origin/develop`. Проверка:
+
+```bash
+git fetch -q origin
+git merge-base --is-ancestor origin/main origin/develop && echo ok || echo BROKEN
+```
+
+Commits и PR titles — Conventional Commits со ссылкой на Issue (кроме release),
+включая `spec:`. Версии вручную не повышай.
+
+1. Получи `main`, `develop` и теги: `git fetch origin --tags`. Проверь
+   инвариант. Создай `release/X.Y.Z` от проверенного `develop`;
+   `nvm use --silent`, `npm ci`.
 2. На чистой ветке выполни `npm run release:preview`, просмотри версию/changelog,
    затем `npm run release:prepare`. Команда создаёт `chore(release): X.Y.Z`,
    обновляет manifest/lockfile/CHANGELOG; тег и push не выполняет. Не обходи
    guards ветки, чистого дерева, отсутствующих тегов или уже подготовленной версии.
 3. Проверь diff и штатные gates этого репозитория. Отправь только release-ветку,
-   открой PR в `main` с заголовком `chore(release): X.Y.Z`. После зелёных
-   `verify`, `security`, `commits` выполни fast-forward-only merge. Если `main`
-   изменился, согласуй историю и повтори проверки кандидата.
-4. Получи удалённый `main`, сравни его HEAD с проверенным release SHA и версией
+   открой PR в **`develop`** с заголовком `chore(release): X.Y.Z`. После зелёных
+   `verify`, `security`, `commits` выполни fast-forward-only merge. Если
+   `develop` изменился, обнови release-ветку и повтори проверки кандидата.
+4. Открой PR `develop → main` с тем же заголовком и слей fast-forward-only.
+5. Получи удалённый `main`, сравни его HEAD с проверенным release SHA и версией
    manifest/lockfile. Создай аннотированный `vX.Y.Z` именно на этом SHA:
    `git tag -a vX.Y.Z <release-sha> -m "Release X.Y.Z"`, затем отправь только
    `git push origin refs/tags/vX.Y.Z`. Не запускай release-it повторно на `main`.
-5. Верни release-коммит через PR `main → develop` без squash/rebase; проверь,
-   что `develop` содержит тег. Опубликованные теги не перемещай. При сбое после
-   merge создай отсутствующий тег без нового bump; до merge исправь и проверь
-   существующий кандидат без повторного повышения версии.
+
+Обратная синхронизация не нужна: release-коммит попал в `develop` на шаге 3.
+Опубликованные теги не перемещай. При сбое после merge создай отсутствующий тег
+без нового bump; до merge исправь и проверь существующий кандидат без
+повторного повышения версии.
+
+Freeze релиза не поддерживается: пока открыт релизный PR, `develop` не двигают.
+Срочный fix — обычная ветка `fix/*` от `develop` с последующим релизом;
+пути от `main` нет, он сделал бы `main` не-предком `develop`. Исключение
+требует явного решения: `release/hotfix-<name>` от `main`, PR в `main`, тег,
+затем merge `main → develop` для восстановления инварианта.
 
 `feat:` повышает minor, `fix:`/`perf:` и прочие разрешённые типы — patch;
 `!`/`BREAKING CHANGE:` — major, включая версии до 1.0. `chore(release):`
 исключён из рекомендации и changelog. Конфигурация — `.release-it.json`.
 В Gitea для `main`/`develop` должны быть запрещены прямой/force push и обход
-администратором, обязательны `verify`, `security`, `commits`; теги `v*` защищены.
+администратором, включена блокировка устаревшей ветки, обязательны `verify`,
+`security`, `commits`; теги `v*` защищены. Линейность обеспечивают merge styles
+репозитория: merge-коммиты и rebase `--no-ff` выключены, доступны squash,
+rebase-merge и fast-forward-only; стиль по умолчанию — squash.
 Workflow сам не включает эти настройки. Отдельное review approval для одного
 владельца не требуется. Npm publishing, deploy и Gitea Releases не включены.
 

commitlint.config.cjs

@@ -1,6 +1,12 @@
 module.exports = {
+	defaultIgnores: false,
 	extends: ["@commitlint/config-conventional"],
+	ignores: [
+		message => /^chore\(release\): \d+\.\d+\.\d+$/.test(message.trim()),
+		message => /^Merge pull request ['"].+['"] \(#\d+\) from .+ into .+$/.test(message.trim()),
+	],
 	rules: {
+		"references-empty": [2, "never"],
 		"type-enum": [
 			2,
 			"always",

dependency-cruiser.cjs

@@ -29,17 +29,17 @@ module.exports = {
 		},
 		{
 			from: {
-				path: "^src/(app|pages|features|entities|shared)/([^/]+)/",
+				path: "^src/(app|pages|widgets|features|entities|shared)/([^/]+)/",
 			},
 			name: "slices-must-use-public-api",
 			severity: "error",
 			to: {
-				path: String.raw`^src/(app|pages|features|entities|shared)/([^/]+)/(?!index\.ts$)`,
+				path: String.raw`^src/(app|pages|widgets|features|entities|shared)/([^/]+)/(?!index\.ts$)`,
 				pathNot: "^src/$1/$2/",
 			},
 		},
 		{
-			from: { path: "^src/(pages|features|entities)/([^/]+)/" },
+			from: { path: "^src/(pages|widgets|features|entities)/([^/]+)/" },
 			name: "no-same-layer-cross-slice-imports",
 			severity: "error",
 			to: { path: "^src/$1/", pathNot: "^src/$1/$2/" },
@@ -48,18 +48,24 @@ module.exports = {
 			from: { path: "^src/shared/" },
 			name: "shared-must-not-depend-on-layers",
 			severity: "error",
-			to: { path: "^src/(entities|features|pages|app)/" },
+			to: { path: "^src/(entities|features|widgets|pages|app)/" },
 		},
 		{
 			from: { path: "^src/entities/" },
 			name: "entities-must-not-depend-on-higher-layers",
 			severity: "error",
-			to: { path: "^src/(features|pages|app)/" },
+			to: { path: "^src/(features|widgets|pages|app)/" },
 		},
 		{
 			from: { path: "^src/features/" },
 			name: "features-must-not-depend-on-higher-layers",
 			severity: "error",
+			to: { path: "^src/(widgets|pages|app)/" },
+		},
+		{
+			from: { path: "^src/widgets/" },
+			name: "widgets-must-not-depend-on-higher-layers",
+			severity: "error",
 			to: { path: "^src/(pages|app)/" },
 		},
 		{

package.json

@@ -1,10 +1,10 @@
 {
 	"name": "wealth-ledger-frontend",
 	"private": true,
-	"version": "0.4.0",
+	"version": "1.2.1",
 	"type": "module",
 	"engines": {
-		"node": "24.21.0"
+		"node": "24.22.1"
 	},
 	"scripts": {
 		"dev": "npm run build:packages && vite",
@@ -20,7 +20,7 @@
 		"test:coverage": "npm run build:packages && vitest run --coverage",
 		"test:lint": "node --test scripts/test-eslint.mjs",
 		"openapi:generate": "openapi-typescript src/shared/api/spec/openapi.json -o src/shared/api/generated/schema.d.ts",
-		"openapi:check": "node scripts/check-openapi.mjs",
+		"openapi:check": "openapi-typescript src/shared/api/spec/openapi.json -o src/shared/api/generated/schema.d.ts --check",
 		"knip": "npm run build:packages && knip",
 		"deps": "npm run build:packages && depcruise src packages --config dependency-cruiser.cjs --output-type err-long",
 		"verify": "npm run build:packages && npm run openapi:check && tsc -b --noEmit && eslint . --max-warnings=0 && npm run test:lint && vitest run --coverage && knip && depcruise src packages --config dependency-cruiser.cjs --output-type err-long && depcruise src packages .storybook/preview.tsx --config .storybook/dependency-cruiser.cjs --output-type err-long && tsc -b && vite build && storybook build --output-dir storybook-static --disable-telemetry",
@@ -37,88 +37,94 @@
 		"*.{js,mjs,cjs,ts,tsx}": "eslint --fix --max-warnings=0 --no-warn-ignored"
 	},
 	"dependencies": {
-		"@hookform/resolvers": "5.9.1",
-		"@mantine/charts": "9.6.1",
-		"@mantine/core": "9.6.1",
-		"@mantine/dates": "9.6.1",
-		"@mantine/hooks": "9.6.1",
-		"@tanstack/react-query": "5.102.8",
+		"@hookform/resolvers": "5.9.2",
+		"@mantine/charts": "9.7.3",
+		"@mantine/core": "9.7.3",
+		"@mantine/dates": "9.7.3",
+		"@mantine/hooks": "9.7.3",
+		"@mantine/notifications": "9.7.3",
+		"@tanstack/react-query": "5.104.5",
 		"@wealthledger/icons": "file:packages/icons",
 		"@wealthledger/tokens": "file:packages/tokens",
 		"@wealthledger/ui": "file:packages/ui",
 		"dayjs": "1.11.23",
-		"i18next": "26.4.2",
-		"motion": "13.2.0",
+		"i18next": "26.5.10",
+		"motion": "13.5.1",
 		"openapi-fetch": "0.17.0",
 		"openapi-react-query": "0.5.4",
-		"react": "19.3.0",
-		"react-dom": "19.3.0",
-		"react-hook-form": "7.88.0",
-		"react-i18next": "17.0.14",
-		"react-is": "19.3.0",
-		"react-router": "8.3.1",
+		"react": "19.3.1",
+		"react-dom": "19.3.1",
+		"react-hook-form": "7.91.0",
+		"react-i18next": "17.1.8",
+		"react-is": "19.3.1",
+		"react-router": "8.5.0",
 		"recharts": "3.10.1",
-		"zod": "4.6.4"
+		"zod": "4.6.7"
 	},
 	"devDependencies": {
-		"@babel/core": "8.0.5",
-		"@commitlint/cli": "21.2.2",
-		"@commitlint/config-conventional": "21.2.2",
-		"@eslint-react/eslint-plugin": "5.21.0",
+		"@babel/core": "8.0.9",
+		"@commitlint/cli": "21.2.4",
+		"@commitlint/config-conventional": "21.2.4",
+		"@eslint-react/eslint-plugin": "5.28.8",
 		"@eslint/js": "10.0.1",
-		"@release-it/conventional-changelog": "12.0.0",
+		"@release-it/conventional-changelog": "12.0.2",
 		"@rolldown/plugin-babel": "0.2.4",
-		"@storybook/addon-docs": "10.6.0",
-		"@storybook/react-vite": "10.6.0",
+		"@storybook/addon-docs": "10.6.3",
+		"@storybook/react-vite": "10.6.3",
 		"@stylistic/eslint-plugin": "5.10.0",
-		"@tanstack/eslint-plugin-query": "5.104.0",
+		"@tanstack/eslint-plugin-query": "5.104.5",
 		"@testing-library/jest-dom": "7.0.1",
 		"@testing-library/react": "16.3.3",
-		"@types/node": "24.13.4",
+		"@types/node": "24.19.2",
 		"@types/react": "19.3.0",
 		"@types/react-dom": "19.3.0",
-		"@vitejs/plugin-react": "6.1.1",
-		"@vitest/browser-playwright": "5.0.0",
-		"@vitest/coverage-v8": "5.0.0",
+		"@vitejs/plugin-react": "6.1.2",
+		"@vitest/browser": "5.0.5",
+		"@vitest/browser-playwright": "5.0.5",
+		"@vitest/coverage-v8": "5.0.5",
 		"@vitest/eslint-plugin": "1.6.27",
+		"@vitest/ui": "5.0.5",
 		"babel-plugin-react-compiler": "1.0.0",
-		"conventional-changelog-conventionalcommits": "10.4.0",
-		"dependency-cruiser": "18.2.0",
-		"eslint": "10.11.0",
+		"conventional-changelog-conventionalcommits": "10.4.1",
+		"dependency-cruiser": "18.7.0",
+		"eslint": "10.13.0",
 		"eslint-import-resolver-typescript": "4.4.5",
 		"eslint-plugin-import-x": "4.17.1",
 		"eslint-plugin-jest-dom": "5.10.1",
 		"eslint-plugin-no-unsanitized": "4.1.5",
-		"eslint-plugin-perfectionist": "5.12.1",
+		"eslint-plugin-perfectionist": "5.13.0",
 		"eslint-plugin-react-hooks": "7.1.1",
 		"eslint-plugin-react-refresh": "0.5.7",
 		"eslint-plugin-regexp": "3.3.1",
-		"eslint-plugin-security": "4.1.0",
-		"eslint-plugin-sonarjs": "4.2.1",
-		"eslint-plugin-storybook": "10.6.0",
+		"eslint-plugin-security": "4.2.0",
+		"eslint-plugin-sonarjs": "4.2.2",
+		"eslint-plugin-storybook": "10.6.3",
 		"eslint-plugin-testing-library": "7.16.2",
 		"eslint-plugin-unicorn": "76.0.0",
-		"globals": "17.12.0",
+		"globals": "17.13.0",
 		"husky": "9.1.7",
-		"jsdom": "30.0.1",
-		"knip": "6.35.1",
-		"lint-staged": "17.5.1",
+		"jsdom": "30.1.3",
+		"knip": "6.43.0",
+		"lint-staged": "17.6.0",
 		"msw": "2.15.0",
 		"openapi-typescript": "7.13.0",
-		"playwright": "1.63.0",
-		"release-it": "21.0.2",
-		"storybook": "10.6.0",
+		"playwright": "1.64.1",
+		"release-it": "21.1.1",
+		"storybook": "10.6.3",
 		"typescript": "5.9.3",
-		"typescript-eslint": "8.70.1",
-		"vite": "8.3.0",
+		"typescript-eslint": "8.72.0",
+		"vite": "8.3.5",
 		"vite-plugin-pwa": "1.3.0",
-		"vitest": "5.0.0"
+		"vitest": "5.0.5"
 	},
 	"overrides": {
 		"release-it": {
-			"basic-ftp": "6.2.1",
-			"undici": "7.29.1"
-		}
+			"basic-ftp": "6.2.3",
+			"undici": "8.12.3"
+		},
+		"@vitest/browser": "5.0.5",
+		"@vitest/ui": "5.0.5",
+		"@vitest/mocker": "5.0.5"
 	},
 	"allowScripts": {
 		"esbuild@0.28.2": true,

packages/icons/package.json

@@ -20,14 +20,14 @@
 		"build": "vite build && tsc -p tsconfig.json"
 	},
 	"peerDependencies": {
-		"react": "19.3.0"
+		"react": "19.3.1"
 	},
 	"devDependencies": {
-		"@storybook/react-vite": "10.6.0",
+		"@storybook/react-vite": "10.6.3",
 		"@testing-library/react": "16.3.3",
 		"@types/react": "19.3.0",
 		"typescript": "5.9.3",
-		"vite": "8.3.0",
-		"vitest": "5.0.0"
+		"vite": "8.3.5",
+		"vitest": "5.0.5"
 	}
 }

packages/ui/package.json

@@ -27,18 +27,18 @@
 		"@wealthledger/tokens": "0.3.0"
 	},
 	"peerDependencies": {
-		"@mantine/core": "9.6.1",
-		"@mantine/hooks": "9.6.1",
-		"react": "19.3.0",
-		"react-dom": "19.3.0"
+		"@mantine/core": "9.7.3",
+		"@mantine/hooks": "9.7.3",
+		"react": "19.3.1",
+		"react-dom": "19.3.1"
 	},
 	"devDependencies": {
-		"@storybook/react-vite": "10.6.0",
+		"@storybook/react-vite": "10.6.3",
 		"@testing-library/react": "16.3.3",
 		"@types/react": "19.3.0",
-		"storybook": "10.6.0",
+		"storybook": "10.6.3",
 		"typescript": "5.9.3",
-		"vite": "8.3.0",
-		"vitest": "5.0.0"
+		"vite": "8.3.5",
+		"vitest": "5.0.5"
 	}
 }

scripts/check-openapi.mjs

@@ -1,45 +0,0 @@
-import { spawnSync } from "node:child_process";
-import { mkdtemp, readFile, rm } from "node:fs/promises";
-import { tmpdir } from "node:os";
-import nodePath from "node:path";
-
-const temporaryDirectory = await mkdtemp(
-	nodePath.join(tmpdir(), "wealth-ledger-openapi-"),
-);
-
-const generatedPath = nodePath.join(temporaryDirectory, "schema.d.ts");
-const committedPath = nodePath.resolve("src/shared/api/generated/schema.d.ts");
-const cliPath = nodePath.resolve("node_modules/openapi-typescript/bin/cli.js");
-let exitCode = 0;
-
-try {
-	const generated = spawnSync(
-		process.execPath,
-		[cliPath, "src/shared/api/spec/openapi.json", "-o", generatedPath],
-		{ encoding: "utf8" },
-	);
-
-	if (generated.status === 0) {
-		const [committed, current] = await Promise.all([
-			readFile(committedPath, "utf8"),
-			// eslint-disable-next-line security/detect-non-literal-fs-filename -- Path is built from this check’s private mkdtemp directory and fixed filenames.
-			readFile(generatedPath, "utf8"),
-		]);
-
-		if (committed !== current) {
-			console.error(
-				"Generated OpenAPI types are stale. Run `npm run openapi:generate` and commit the result.",
-			);
-			exitCode = 1;
-		}
-	}
-	else {
-		process.stderr.write(generated.stderr || generated.stdout);
-		exitCode = generated.status ?? 1;
-	}
-}
-finally {
-	await rm(temporaryDirectory, { force: true, recursive: true });
-}
-
-process.exitCode = exitCode;

scripts/test-eslint.mjs

@@ -85,7 +85,7 @@ test("ESLint enforces the frontend profile and excludes generated artifacts", as
 			"security/detect-non-literal-regexp",
 		],
 		[
-			"scripts/check-openapi.mjs",
+			"scripts/test-pre-commit.mjs",
 			"import { exec } from \"node:child_process\"; exec(process.argv[2]);",
 			"security/detect-child-process",
 		],

scripts/test-pre-commit.mjs

@@ -47,6 +47,12 @@ test("pre-commit scans the index, redacts findings and fails closed", () => {
 		}
 
 		git("init", "--quiet");
+		// The hook must run the installed lint-staged binary, never download one.
+		const localBin = nodePath.join(cwd, "node_modules", ".bin");
+		// eslint-disable-next-line security/detect-non-literal-fs-filename -- Path is built from this check’s private mkdtemp directory and fixed filenames.
+		mkdirSync(localBin, { recursive: true });
+		// eslint-disable-next-line security/detect-non-literal-fs-filename -- Path is built from this check’s private mkdtemp directory and fixed filenames.
+		writeFileSync(nodePath.join(localBin, "lint-staged"), "#!/bin/sh\necho ran >> downstream\n", { mode: 0o755 });
 		// eslint-disable-next-line security/detect-non-literal-fs-filename -- Path is built from this check’s private mkdtemp directory and fixed filenames.
 		writeFileSync(nodePath.join(cwd, "sample.txt"), "safe staged content\n");
 		git("add", "sample.txt");
@@ -77,3 +83,37 @@ test("pre-commit scans the index, redacts findings and fails closed", () => {
 		rmSync(cwd, { force: true, recursive: true });
 	}
 });
+
+test("pre-commit never downloads tools and blocks when lint-staged is missing", () => {
+	const hook = nodePath.resolve(".husky/pre-commit");
+	const cwd = mkdtempSync(nodePath.join(tmpdir(), "frontend-hook-"));
+	const bin = nodePath.join(cwd, "bin");
+	const marker = nodePath.join(cwd, "downstream");
+
+	try {
+		// eslint-disable-next-line security/detect-non-literal-fs-filename -- Path is built from this check’s private mkdtemp directory and fixed filenames.
+		mkdirSync(bin);
+		// Gitleaks passes; npx/npm must never be reached, even if present on PATH.
+		// eslint-disable-next-line security/detect-non-literal-fs-filename -- Path is built from this check’s private mkdtemp directory and fixed filenames.
+		writeFileSync(nodePath.join(bin, "gitleaks"), "#!/bin/sh\nexit 0\n", { mode: 0o755 });
+
+		for (const command of ["npx", "npm"]) {
+			// eslint-disable-next-line security/detect-non-literal-fs-filename -- Path is built from this check’s private mkdtemp directory and fixed filenames.
+			writeFileSync(nodePath.join(bin, command), "#!/bin/sh\necho ran >> downstream\n", { mode: 0o755 });
+		}
+
+		const result = spawnSync("/bin/sh", ["-e", hook], {
+			cwd,
+			encoding: "utf8",
+			env: { ...process.env, PATH: `${bin}${nodePath.delimiter}${process.env.PATH}` },
+		});
+
+		assert.notEqual(result.status, 0, "missing lint-staged must block commit");
+		assert.match(result.stderr, /lint-staged is not installed/);
+		// eslint-disable-next-line security/detect-non-literal-fs-filename -- Path is built from this check’s private mkdtemp directory and fixed filenames.
+		assert.ok(!existsSync(marker), "hook must not invoke npx or npm");
+	}
+	finally {
+		rmSync(cwd, { force: true, recursive: true });
+	}
+});

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

@@ -18,12 +18,21 @@ import type { IncomeAnalytics } from "@/entities/income";
 import type { Portfolio } from "@/entities/portfolio";
 
 import { AuthProvider } from "@/features/auth";
+import { defaultPeriod, formatDate } from "@/shared/lib";
 import { createTestQueryClient } from "@/test/query";
 import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 
 import { AppRoutes } from "./AppRoutes";
 
+// Mantine calendar labels follow dayjs default (English) locale.
+function dayLabel(date: string) {
+	const monthName = new Intl.DateTimeFormat("en", { month: "long" })
+		.format(new Date(`${date}T12:00:00Z`));
+
+	return `${Number(date.slice(8))} ${monthName} ${date.slice(0, 4)}`;
+}
+
 const accounts = [
 	{ id: "a", name: "Основной" },
 	{ id: "b", name: "ИИС" },
@@ -95,10 +104,6 @@ const analytics: IncomeAnalytics
 			},
 		],
 		period: { from: "2026-08-01", to: "2026-08-31" },
-		previous: {
-			period: { from: "2026-07-01", to: "2026-07-31" },
-			totalsByCurrency: [],
-		},
 		totalsByCurrency: [
 			{
 				coupon: { currency: "RUB", value: "2" },
@@ -107,7 +112,6 @@ const analytics: IncomeAnalytics
 				total: { currency: "RUB", value: "2" },
 			},
 		],
-		yearComparison: null,
 	};
 
 const CurrentLocation: FC = () => {
@@ -238,7 +242,7 @@ describe("All accounts routes", () => {
 		);
 	});
 
-	it.each(["operations", "events", "income"])(
+	it.each(["operations", "income"])(
 		"restores applied dates when switching accounts in %s",
 		async (section) => {
 			const search = "?from=2026-08-01&to=2026-08-31";
@@ -266,6 +270,31 @@ describe("All accounts routes", () => {
 		},
 	);
 
+	it("restores applied dates when switching accounts in events", async () => {
+		// The events calendar blocks past dates, so pick within selectable dates.
+		const search = `?from=${defaultPeriod()[0]}&to=${defaultPeriod()[1]}`;
+		renderPage(`/accounts/all/events${search}`);
+		const picker = await screen.findByLabelText("Период");
+		fireEvent.click(picker);
+		const [fromDate, toDate] = defaultPeriod();
+		fireEvent.click(
+			await screen.findByRole("button", { name: dayLabel(fromDate) }),
+		);
+		fireEvent.click(
+			await screen.findByRole("button", { name: dayLabel(toDate) }),
+		);
+		expect(screen.getByLabelText("Период")).toHaveTextContent(
+			`${formatDate(fromDate)} – ${formatDate(toDate)}`,
+		);
+		fireEvent.click(screen.getByRole("combobox", { name: "Счёт" }));
+		fireEvent.click(await screen.findByRole("option", { name: "ИИС" }));
+		await waitFor(() =>
+			expect(screen.getByLabelText("Текущий путь")).toHaveTextContent(
+				`/accounts/b/events${search}`,
+			),
+		);
+	});
+
 	it("groups the same security and links its accounts and overview sections", async () => {
 		renderPage("/accounts/all");
 		expect(await screen.findAllByText("Сбербанк")).toHaveLength(1);
@@ -369,7 +398,9 @@ 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 +421,12 @@ 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/routes/AppRoutes/AppRoutes.test.tsx

@@ -190,6 +190,30 @@ describe("AppRoutes", () => {
 		expect(document.title).toBe("Карты — WealthLedger");
 	});
 
+	it("offers a retry instead of the login form while the server is unreachable, then restores the route", async () => {
+		let isOutage = true;
+		server.use(
+			http.post("*/api/v1/auth/refresh", () =>
+				isOutage
+					? new HttpResponse(null, { status: 502 })
+					: HttpResponse.json({
+							accessToken: "test-token",
+							user: { email: "user@example.com", id: "user-1" },
+						}),
+			),
+		);
+		renderRoutes("/accounts");
+
+		expect(await screen.findByRole("alert")).toHaveTextContent("Не удалось подключиться");
+		expect(screen.queryByRole("heading", { name: "Вход" })).not.toBeInTheDocument();
+		isOutage = false;
+		fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
+
+		expect(
+			await screen.findByRole("heading", { level: 2, name: "Нет инвестиционных счетов" }),
+		).toBeVisible();
+	});
+
 	it("lazy-loads the protected shell for an authenticated accounts route", async () => {
 		server.use(
 			http.post("*/api/v1/auth/refresh", () =>

src/app/routes/RouteErrorBoundary/RouteErrorBoundary.tsx

@@ -10,7 +10,6 @@ import { useAuth } from "@/features/auth";
 
 type BoundaryProps = PropsWithChildren<{
 	authenticated: boolean;
-	routeKey: string;
 }>;
 
 type RouteErrorFallbackProps = {
@@ -26,12 +25,6 @@ class Boundary extends Component<BoundaryProps, State> {
 
 	override state: State = { hasError: false };
 
-	override componentDidUpdate(previousProps: BoundaryProps) {
-		if (previousProps.routeKey !== this.props.routeKey && this.state.hasError) {
-			this.setState({ hasError: false });
-		}
-	}
-
 	override render() {
 		return this.state.hasError
 			? <RouteErrorFallback authenticated={this.props.authenticated} />
@@ -70,10 +63,7 @@ const RouteErrorBoundary: FC<PropsWithChildren> = (props) => {
 	const { user } = useAuth();
 
 	return (
-		<Boundary
-			authenticated={Boolean(user)}
-			routeKey={`${pathname}${search}:${key}`}
-		>
+		<Boundary authenticated={Boolean(user)} key={`${pathname}${search}:${key}`}>
 			{children}
 		</Boundary>
 	);

src/app/routes/RouteGuards.tsx

@@ -1,4 +1,7 @@
+import { Button, Container } from "@mantine/core";
+import { StateView } from "@wealthledger/ui";
 import { type FC, type PropsWithChildren, useState } from "react";
+import { useTranslation } from "react-i18next";
 import { Navigate, useLocation } from "react-router";
 
 import { useAuth } from "@/features/auth";
@@ -7,12 +10,26 @@ import { RouteSkeleton } from "./RouteFallback";
 
 const Protected: FC<PropsWithChildren> = (props) => {
 	const { children } = props;
-	const { ready, signedOut, user } = useAuth();
+	const { ready, retry, signedOut, unavailable, user } = useAuth();
+	const { t } = useTranslation();
 	const location = useLocation();
 	const [wasAuthenticated, setWasAuthenticated] = useState(false);
 	if (user && !wasAuthenticated) setWasAuthenticated(true);
 	if (!ready) return <RouteSkeleton variant="shell" />;
 
+	// The server was unreachable (e.g. mid-deploy), so the session is unproven, not gone.
+	if (!user && unavailable)
+		return (
+			<Container py="xl" size={560}>
+				<StateView
+					action={<Button onClick={retry}>{t("auth.retry")}</Button>}
+					error
+					text={t("auth.unavailableText")}
+					title={t("auth.unavailableTitle")}
+				/>
+			</Container>
+		);
+
 	const loginState = signedOut && wasAuthenticated
 		? undefined
 		: { returnTo: `${location.pathname}${location.search}` };

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/model/error-code.ts

@@ -0,0 +1,7 @@
+function errorCode(error: unknown): string | undefined {
+	return typeof error === "object" && error !== null && "code" in error
+		? String(error.code)
+		: undefined;
+}
+
+export { errorCode };

src/entities/bank-card/model/form.schema.ts

@@ -6,6 +6,7 @@ import { calendarDate } from "@/shared/lib";
 import { bankToday } from "./form-validation";
 import { moneyCents } from "./money";
 const MAX_CARD_NAME_LENGTH = 100;
+const paymentSystemValues = ["mir", "visa", "mastercard"] as const;
 const MIN_BALANCE_KOPECKS = -9_223_372_036_854_775_808n;
 const MAX_BALANCE_KOPECKS = 9_223_372_036_854_775_807n;
 
@@ -63,7 +64,7 @@ const bankCardSchema = z.object({
 	openingBalance: moneySchema,
 	openingDate: bankDateSchema,
 	paymentSystem: z
-		.enum(["", "mir", "visa", "mastercard"], {
+		.enum(["", ...paymentSystemValues], {
 			error: validationMessage("bank.validation.paymentSystem"),
 		})
 		.optional(),
@@ -75,5 +76,6 @@ export {
 	bankCardSchema,
 	type BankCardValues,
 	bankDateSchema,
+	paymentSystemValues,
 	positiveMoneySchema,
 };

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

@@ -1,8 +1,7 @@
 import { useController, useFormContext } from "react-hook-form";
 import { useTranslation } from "react-i18next";
 
-import type { BankCardValues } from "../../model/form.schema";
-
+import { type BankCardValues, paymentSystemValues } from "../../model/form.schema";
 import { bankDateField } from "../bankDateField";
 
 function useBankCardFieldsVm() {
@@ -16,7 +15,7 @@ function useBankCardFieldsVm() {
 	const { field: openingDateField } = useController({ control, name: "openingDate" });
 	const { field: paymentSystemField } = useController({ control, name: "paymentSystem" });
 
-	const paymentSystems = ["mir", "visa", "mastercard"].map(value => ({
+	const paymentSystems = paymentSystemValues.map(value => ({
 		label: t(`bank.paymentSystems.${value}`),
 		value,
 	}));

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/BankFeedback.tsx

@@ -3,7 +3,7 @@ import type { FC } from "react";
 import { Alert, Button, Group, Text } from "@mantine/core";
 import { useTranslation } from "react-i18next";
 
-import { apiErrorCode } from "@/shared/api";
+import { errorCode } from "../model/error-code";
 
 type BankFeedbackProps = {
 	cached?: boolean;
@@ -14,7 +14,7 @@ type BankFeedbackProps = {
 
 const BankFeedback: FC<BankFeedbackProps> = (props) => {
 	const { t } = useTranslation();
-	const code = apiErrorCode(props.error);
+	const code = errorCode(props.error);
 
 	return (
 		<Alert color="orange" role="alert">

src/entities/bank-card/ui/BankSummary/BankSummary.module.css

@@ -15,6 +15,28 @@
 	min-width: 0;
 }
 
+.totals {
+	display: flex;
+	flex-wrap: wrap;
+	gap: var(--mantine-spacing-xs) var(--mantine-spacing-lg);
+	margin: 0;
+}
+
+.totals > div {
+	display: grid;
+	gap: 0;
+}
+
+.totals dt {
+	color: var(--mantine-color-dimmed);
+	font-size: var(--mantine-font-size-xs);
+}
+
+.totals dd {
+	margin: 0;
+	font-variant-numeric: tabular-nums;
+}
+
 .categories {
 	display: grid;
 	grid-template-columns: repeat(2, minmax(0, 1fr));

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.test.tsx

@@ -0,0 +1,35 @@
+import { MantineProvider } from "@mantine/core";
+import { render, screen } from "@testing-library/react";
+import { describe, expect, it } from "vitest";
+
+import { BankSummaryView } from "./BankSummary.view";
+
+const money = (value: string) => ({ currency: "RUB", value });
+
+describe("BankSummaryView", () => {
+	it("shows expenses, refunds, and net monthly totals", () => {
+		render(
+			<MantineProvider env="test">
+				<BankSummaryView
+					data={{
+						cardId: "card-1",
+						categories: [],
+						expenses: money("1000"),
+						net: money("800"),
+						refunds: money("200"),
+					}}
+					error={false}
+					fetching={false}
+					loading={false}
+				/>
+			</MantineProvider>,
+		);
+
+		expect(screen.getAllByText("Расходы")).toHaveLength(2);
+		expect(screen.getByText("Возвращено")).toBeInTheDocument();
+		expect(screen.getByText("После возвратов")).toBeInTheDocument();
+		expect(screen.getByText("1 000,00 ₽")).toBeInTheDocument();
+		expect(screen.getByText("200,00 ₽")).toBeInTheDocument();
+		expect(screen.getByText("800,00 ₽")).toBeInTheDocument();
+	});
+});

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";
@@ -10,6 +10,7 @@ import { formatMoney } from "@/shared/lib";
 import type { BankSummary } from "../../api/types";
 
 import { bankOperationAppearance } from "../../model/operation-appearance";
+import { BankFeedback } from "../BankFeedback";
 import classes from "./BankSummary.module.css";
 
 const CATEGORY_COLUMNS = 2;
@@ -17,10 +18,10 @@ const CATEGORY_COLUMNS = 2;
 type BankSummaryViewProps = {
 	all?: boolean;
 	data?: BankSummary;
-	error: boolean;
+	error: unknown;
 	fetching: boolean;
 	loading: boolean;
-	retry: () => void;
+	retry?: () => void;
 };
 
 const BankSummaryViewCategories: FC<BankSummaryViewProps> = (props) => {
@@ -93,25 +94,44 @@ const BankSummaryView: FC<BankSummaryViewProps> = (props) => {
 				</Title>
 
 				{props.data && (
-					<Text className={classes.total}>
-						{formatMoney(props.data.net, { withZeroCents: true })}
-					</Text>
+					<dl className={classes.totals}>
+						<div>
+							<dt>{t("bank.summary")}</dt>
+
+							<dd>
+								{formatMoney(props.data.expenses, { withZeroCents: true })}
+							</dd>
+						</div>
+
+						<div>
+							<dt>{t("bank.refunds")}</dt>
+
+							<dd>
+								{formatMoney(props.data.refunds, { withZeroCents: true })}
+							</dd>
+						</div>
+
+						<div>
+							<dt>{t("bank.net")}</dt>
+
+							<dd className={classes.total}>
+								{formatMoney(props.data.net, { withZeroCents: true })}
+							</dd>
+						</div>
+					</dl>
 				)}
 			</div>
 
 			<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>
+			{Boolean(props.error) && (
+				<BankFeedback
+					cached={Boolean(props.data)}
+					error={props.error}
+					loadingError={!props.data}
+					retry={props.retry}
+				/>
 			)}
-
-			{props.data && props.fetching && <Text role="status">{t("bank.refreshing")}</Text>}
 		</Stack>
 	);
 };

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

@@ -36,6 +36,12 @@ function entryLabelKey(operation: BrokerageOperation): string {
 	return `ledger.category.${operation.category}`;
 }
 
+function isIncomePayment(operation: BrokerageOperation): boolean {
+	return [OperationType.Coupon, OperationType.Dividend].some(type =>
+		isOperationType(operation.type, type),
+	);
+}
+
 function isOperationType(value: unknown, expected: OperationType): boolean {
 	return value === expected;
 }
@@ -109,4 +115,4 @@ function paymentPresentation(
 	};
 }
 
-export { operationLabelKey, paymentPresentation };
+export { isIncomePayment, operationLabelKey, paymentPresentation };

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/broker-operation/ui/LedgerEntryRow.tsx

@@ -11,10 +11,11 @@ import {
 	formatSnapshotTime,
 	instrumentLogoUrl,
 } from "@/shared/lib";
+import { PayoutCard } from "@/shared/ui";
 
 import type { BrokerageOperation } from "../api/useBrokerageOperations";
 
-import { operationLabelKey, paymentPresentation } from "../model/display";
+import { isIncomePayment, operationLabelKey, paymentPresentation } from "../model/display";
 
 type LedgerEntryRowProps = {
 	operation: BrokerageOperation;
@@ -75,6 +76,28 @@ const LedgerEntryRow: FC<LedgerEntryRowProps> = (props) => {
 	}
 	else details = undefined;
 
+	if (isIncomePayment(operation)) {
+		const extraMetadata = [
+			instrument,
+			props.withDetails ? null : operation.account?.name,
+		].filter(Boolean).join(" · ");
+
+		return (
+			<PayoutCard
+				details={details}
+				extraMetadata={extraMetadata}
+				imageSrc={instrumentLogoUrl(operation.logoName)}
+				initial={(instrument.trim()[0] ?? "?").toUpperCase()}
+				kind="executed"
+				occurredAt={formatSnapshotTime(operation.occurredAt)}
+				payment={operation.payment}
+				title={operation.description || t(operationLabelKey(operation.type))}
+				typeLabel={t(paymentPresentation(operation).label)}
+				wrap={props.wrap}
+			/>
+		);
+	}
+
 	return (
 		<EntryCard
 			details={details}

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

@@ -4,17 +4,22 @@ const brokerageAccountsQueryOptions = () =>
 	apiQueryClient.queryOptions("get", "/api/v1/brokerage-accounts");
 
 const brokerageAccountsQueryKey = brokerageAccountsQueryOptions().queryKey;
+const BROKERAGE_ACCOUNTS_STALE_TIME_MS = 1_800_000;
 
 type BrokerageAccount = NonNullable<
 	paths["/api/v1/brokerage-accounts"]["get"]["responses"][200]["content"]["application/json"]["data"]
 >[number];
 
 function useBrokerageAccounts() {
-	return useResourceQuery({
+	const query = useResourceQuery({
 		meta: { accessGroup: "brokerage" },
 		...brokerageAccountsQueryOptions(),
-		staleTime: 60_000,
+		staleTime: BROKERAGE_ACCOUNTS_STALE_TIME_MS,
 	});
+
+	return {
+		...query,
+	};
 }
 
 export {

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

@@ -205,24 +205,32 @@ export const IndependentFreshness: Story
 				],
 				[
 					{
-						availability: "complete",
+						availability: "available",
+						completeness: "complete",
 						dataRevision: "1",
 						freshness: "stale",
-						lastSuccessfulAt: "2026-09-24T10:30:00Z",
-						resourceKey: "portfolio/storybook-account",
-						sync: {
-							errorCode: "TBANK_UNAVAILABLE",
-							id: "failed",
+						lastAttempt: {
+							finishedAt: "2026-09-24T10:31:00Z",
+							problems: [],
+							startedAt: "2026-09-24T10:30:00Z",
 							state: "failed",
 						},
+						lastSuccessfulAt: "2026-09-24T10:30:00Z",
+						resourceKey: "portfolio/storybook-account",
 					},
 					{
-						availability: "missing",
+						availability: "initial-loading",
+						completeness: "incomplete",
 						dataRevision: "0",
 						freshness: "unknown",
+						lastAttempt: {
+							finishedAt: null,
+							problems: [],
+							startedAt: "2026-09-24T10:30:00Z",
+							state: "running",
+						},
 						lastSuccessfulAt: null,
 						resourceKey: "portfolio/waiting",
-						sync: { errorCode: null, id: "waiting", state: "running" },
 					},
 				],
 			),

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

@@ -64,15 +64,16 @@ const BrokerageAccountSourceStatus: FC<BrokerageAccountSourceStatusProps> = (
 	const { source } = props;
 	const { t } = useTranslation();
 
-	const isSyncing = source?.sync.state === "running";
+	const isSyncing = source?.lastAttempt.state === "running";
 
 	const errorText
-		= source?.sync.state === "failed" ? t("accounts.refreshError") : null;
+		= source?.lastAttempt.state === "failed" ? t("accounts.refreshError") : null;
 
 	return (
 		<>
 			<SourceSyncStatus
 				errorText={errorText}
+				lastAttempt={source?.lastAttempt}
 				lastSuccessfulAt={source?.lastSuccessfulAt}
 				stale={source?.freshness === "stale"}
 			/>

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

@@ -4,6 +4,7 @@ import { EntryCard } from "@wealthledger/ui";
 import { useTranslation } from "react-i18next";
 
 import { formatDate, formatMoney, instrumentLogoUrl } from "@/shared/lib";
+import { PayoutCard } from "@/shared/ui";
 
 import type { BrokerageEvent } from "../api/useBrokerageEvents";
 
@@ -15,6 +16,27 @@ const BrokerageEventCard: FC<BrokerageEventCardProps> = (props) => {
 
 	const date = formatDate(event.date);
 
+	if (event.type === "coupon" || event.type === "dividend") {
+		const title = [t(`events.type.${event.type}`), event.displayName].join(" · ");
+
+		const extraMetadata = [event.isin, event.account?.name]
+			.filter(Boolean)
+			.join(" · ");
+
+		return (
+			<PayoutCard
+				date={date}
+				dateKind={event.dateKind}
+				extraMetadata={extraMetadata}
+				imageSrc={instrumentLogoUrl(event.logoName)}
+				initial={(event.ticker.trim()[0] ?? "?").toUpperCase()}
+				kind="forecast"
+				projectedAmount={event.projectedAmount}
+				title={title}
+			/>
+		);
+	}
+
 	const metadata = [
 		date,
 		event.dateKind === "registry"
@@ -40,7 +62,7 @@ const BrokerageEventCard: FC<BrokerageEventCardProps> = (props) => {
 			title={[t(`events.type.${event.type}`), event.displayName].join(" · ")}
 			tone="neutral"
 			value={projectedAmount}
-			valueLabel={t("events.projectedAmount")}
+			valueLabel={t("payout.forecast")}
 		/>
 	);
 };

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/entities/income/api/useIncome.ts

@@ -4,9 +4,6 @@ type IncomeAnalytics = NonNullable<
 	paths["/api/v1/brokerage-accounts/{accountId}/income-analytics"]["get"]["responses"][200]["content"]["application/json"]["data"]
 >;
 
-type IncomeAnalyticsMeta
-	= paths["/api/v1/brokerage-accounts/{accountId}/income-analytics"]["get"]["responses"][200]["content"]["application/json"]["meta"];
-
 type IncomeSummary = NonNullable<
 	paths["/api/v1/brokerage-accounts/{accountId}/income-summary"]["get"]["responses"][200]["content"]["application/json"]["data"]
 >;
@@ -47,7 +44,6 @@ function useIncomeSummary(accountId?: string) {
 
 export {
 	type IncomeAnalytics,
-	type IncomeAnalyticsMeta,
 	type IncomeSummary,
 	useIncomeAnalytics,
 	useIncomeSummary,

src/entities/income/index.ts

@@ -1,6 +1,5 @@
 export {
 	type IncomeAnalytics,
-	type IncomeAnalyticsMeta,
 	type IncomeSummary,
 	useIncomeAnalytics,
 	useIncomeSummary,

src/entities/stock/api/queries.ts

@@ -6,10 +6,6 @@ import {
 
 type StockCandles = NonNullable<paths["/api/v1/stocks/{uid}/candles"]["get"]["responses"][200]["content"]["application/json"]["data"]>;
 
-type StockPosition = NonNullable<paths["/api/v1/stocks/{uid}/position"]["get"]["responses"][200]["content"]["application/json"]["data"]>;
-
-const MIN_STOCK_SEARCH_LENGTH = 2;
-
 type StockDividends = NonNullable<paths["/api/v1/stocks/{uid}/dividends"]["get"]["responses"][200]["content"]["application/json"]["data"]>;
 
 type StockPeriod = NonNullable<
@@ -18,6 +14,8 @@ type StockPeriod = NonNullable<
 	>["period"]
 >;
 
+type StockPosition = NonNullable<paths["/api/v1/stocks/{uid}/position"]["get"]["responses"][200]["content"]["application/json"]["data"]>;
+
 const STOCK_STALE_TIME_MS = 30_000;
 
 function useStock(identifier: string) {
@@ -96,18 +94,7 @@ function useStockQuote(uid: string) {
 	});
 }
 
-function useStockSearch(query: string) {
-	return useResourceQuery({
-		...apiQueryClient.queryOptions("get", "/api/v1/stocks", {
-			params: { query: { query } },
-		}),
-		enabled: query.length >= MIN_STOCK_SEARCH_LENGTH,
-		staleTime: STOCK_STALE_TIME_MS,
-	});
-}
-
 export {
-	MIN_STOCK_SEARCH_LENGTH,
 	type StockCandles,
 	type StockDividends,
 	type StockPosition,
@@ -117,5 +104,4 @@ export {
 	useStockDividends,
 	useStockPosition,
 	useStockQuote,
-	useStockSearch,
 };

src/entities/stock/index.ts

@@ -1,5 +1,4 @@
 export {
-	MIN_STOCK_SEARCH_LENGTH,
 	type StockCandles,
 	type StockDividends,
 	type StockPosition,
@@ -9,5 +8,4 @@ export {
 	useStockDividends,
 	useStockPosition,
 	useStockQuote,
-	useStockSearch,
 } from "./api/queries";

src/features/auth/model/auth-context.ts

@@ -7,7 +7,12 @@ type AuthContextValue = {
 	logout: () => Promise<void>;
 	ready: boolean;
 	register: (email: string, password: string) => Promise<void>;
+	retry: () => void;
 	signedOut: boolean;
+	/**
+	Refresh failed with a network error or 5xx; the refresh cookie may still be valid.
+	*/
+	unavailable: boolean;
 	user: undefined | User;
 };
 

src/features/auth/model/auth.schema.test.ts

@@ -0,0 +1,55 @@
+import { describe, expect, it } from "vitest";
+
+import { loginSchema, registerSchema } from "./auth.schema";
+
+const email = "user@example.com";
+
+function canLogIn(password: string) {
+	return loginSchema.safeParse({ email, password }).success;
+}
+
+function canRegister(password: string, confirmation = password) {
+	return registerSchema.safeParse({
+		email,
+		password,
+		passwordConfirmation: confirmation,
+	}).success;
+}
+
+// Register policy: 8..72 printable ASCII (bcrypt reads 72 bytes, so non-ASCII could be
+// truncated). Login stays lenient so accounts created under the old policy still sign in.
+describe("auth password policy", () => {
+	it.each([
+		["7 chars", "a".repeat(7), false],
+		["8 chars", "a".repeat(8), true],
+		["72 chars", "a".repeat(72), true],
+		["73 chars", "a".repeat(73), false],
+		["printable symbols and space", "Aa1 !~\"#$%&'()*+,-./:;<=>?@", true],
+		["Cyrillic, 8+ chars", "пароль-пароль", false],
+		["emoji", "passw😀rd", false],
+		["tab", "pass\tword1", false],
+		["newline", "password1\n", false],
+		["DEL", "password\u{7F}1", false],
+	])("register: %s", (_, password, accepted) => {
+		expect(canRegister(password)).toBe(accepted);
+	});
+
+	it("register compares the raw password with its confirmation", () => {
+		const padded = "  spaced pass  ";
+
+		expect(canRegister(padded)).toBe(true);
+		expect(canRegister(padded, padded.trim())).toBe(false);
+	});
+
+	it.each([
+		["legacy Cyrillic password", "пароль-пароль", true],
+		["short legacy password", "short", true],
+		["72 bytes", "a".repeat(72), true],
+		["73 bytes", "a".repeat(73), false],
+		["36 Cyrillic letters = 72 bytes", "я".repeat(36), true],
+		["37 Cyrillic letters = 74 bytes", "я".repeat(37), false],
+		["empty", "", false],
+	])("login: %s", (_, password, accepted) => {
+		expect(canLogIn(password)).toBe(accepted);
+	});
+});

src/features/auth/model/auth.schema.ts

@@ -7,8 +7,10 @@ const EMAIL_PART_COUNT = 2;
 const ASCII_SPACE = 32;
 const ASCII_DELETE = 127;
 const MAX_EMAIL_LENGTH = 254;
-const MIN_PASSWORD_BYTES = 12;
+const MIN_PASSWORD_LENGTH = 8;
 const MAX_PASSWORD_BYTES = 72;
+// Printable ASCII keeps characters == bytes, within the bcrypt 72-byte limit.
+const ASCII_TILDE = 126;
 
 function isEmailCharacterInvalid(character: string): boolean {
 	const codePoint = character.codePointAt(0);
@@ -20,6 +22,14 @@ function isEmailCharacterInvalid(character: string): boolean {
 	);
 }
 
+function isPrintableAscii(value: string): boolean {
+	return value.split("").every((character) => {
+		const code = character.codePointAt(0) ?? 0;
+
+		return code >= ASCII_SPACE && code <= ASCII_TILDE;
+	});
+}
+
 const email = z
 	.string()
 	.trim()
@@ -33,28 +43,42 @@ const email = z
 		{ error: validationMessage("auth.validation.invalidEmail") },
 	);
 
-const password = z
+// Login stays lenient: accounts created under an older policy must still sign in.
+const loginPassword = z
 	.string()
+	.min(1)
 	.refine(
-		value =>
-			new TextEncoder().encode(value).length >= MIN_PASSWORD_BYTES
-				&& new TextEncoder().encode(value).length <= MAX_PASSWORD_BYTES,
-		{ error: validationMessage("auth.validation.invalidPasswordLength") },
+		value => new TextEncoder().encode(value).length <= MAX_PASSWORD_BYTES,
+		{ error: validationMessage("auth.validation.passwordTooLong") },
 	);
 
+const registerPassword = z
+	.string()
+	.min(MIN_PASSWORD_LENGTH, {
+		error: validationMessage("auth.validation.invalidPasswordLength"),
+	})
+	.max(MAX_PASSWORD_BYTES, {
+		error: validationMessage("auth.validation.invalidPasswordLength"),
+	})
+	.refine(isPrintableAscii, {
+		error: validationMessage("auth.validation.invalidPasswordLength"),
+	});
+
 const loginSchema = z.object({
 	email,
-	password,
+	password: loginPassword,
 	passwordConfirmation: z.string().optional(),
 });
 
-const registerSchema = loginSchema.refine(
-	value => value.password === value.passwordConfirmation,
-	{
-		error: validationMessage("auth.validation.passwordsDoNotMatch"),
-		path: ["passwordConfirmation"],
-	},
-);
+const registerSchema = loginSchema
+	.extend({ password: registerPassword })
+	.refine(
+		value => value.password === value.passwordConfirmation,
+		{
+			error: validationMessage("auth.validation.passwordsDoNotMatch"),
+			path: ["passwordConfirmation"],
+		},
+	);
 
 type AuthFormValues = z.input<typeof loginSchema>;
 

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

@@ -92,8 +92,10 @@ describe("AuthProvider", () => {
 		);
 	});
 
-	it("settles unauthenticated and clears cached data when cold-start refresh has a transport error", async () => {
-		server.use(http.post("*/api/v1/auth/refresh", () => HttpResponse.error()));
+	it("settles unauthenticated and clears cached data when cold-start refresh is rejected with 401", async () => {
+		server.use(http.post("*/api/v1/auth/refresh", () =>
+			HttpResponse.json({ code: "UNAUTHORIZED" }, { status: 401 }),
+		));
 		const queryClient = createTestQueryClient();
 		queryClient.setQueryData(["cached-query"], { value: "stale" });
 		queryClient.setQueryData(bankCardsKey, [{ id: "bank-card-1" }]);
@@ -103,12 +105,54 @@ describe("AuthProvider", () => {
 		await waitFor(() => expect(result.current.ready).toBe(true));
 
 		expect(result.current.user).toBeUndefined();
+		expect(result.current.unavailable).toBe(false);
 		expect(await requestAuthorization()).toBeNull();
 		expect(queryClient.getQueryData(["cached-query"])).toBeUndefined();
 		expect(queryClient.getQueryData(bankCardsKey)).toBeUndefined();
 	});
 
-	it("keeps the original protected 401 when serialized refresh has a transport error", async () => {
+	it.each([
+		["a transport error", () => HttpResponse.error()],
+		["a 502 from the proxy", () => new HttpResponse(null, { status: 502 })],
+		["a 503 problem", () => HttpResponse.json({ code: "INTERNAL_SERVER_ERROR" }, { status: 503 })],
+	])("settles as unavailable and keeps cached data when cold-start refresh gets %s", async (_name, failure) => {
+		server.use(http.post("*/api/v1/auth/refresh", failure));
+		const queryClient = createTestQueryClient();
+		queryClient.setQueryData(["cached-query"], { value: "kept" });
+		const wrapper: FC<PropsWithChildren> = createAuthWrapper(queryClient);
+		const { result } = renderHook(() => useAuth(), { wrapper });
+
+		await waitFor(() => expect(result.current.ready).toBe(true));
+
+		expect(result.current.user).toBeUndefined();
+		expect(result.current.unavailable).toBe(true);
+		expect(queryClient.getQueryData(["cached-query"])).toEqual({ value: "kept" });
+	});
+
+	it("restores the session when retry succeeds after an outage", async () => {
+		let isOutage = true;
+		server.use(http.post("*/api/v1/auth/refresh", () =>
+			isOutage
+				? new HttpResponse(null, { status: 502 })
+				: HttpResponse.json({
+						accessToken: "restored-token",
+						user: { email: "user@example.com", id: "user-1" },
+					}),
+		));
+		const queryClient = createTestQueryClient();
+		const wrapper: FC<PropsWithChildren> = createAuthWrapper(queryClient);
+		const { result } = renderHook(() => useAuth(), { wrapper });
+
+		await waitFor(() => expect(result.current.unavailable).toBe(true));
+		isOutage = false;
+		act(() => result.current.retry());
+
+		await waitFor(() => expect(result.current.user?.id).toBe("user-1"));
+		expect(result.current.unavailable).toBe(false);
+		expect(await requestAuthorization()).toBe("Bearer restored-token");
+	});
+
+	it("keeps the original protected 401 and the session when serialized refresh has a transport error", async () => {
 		let refreshCalls = 0;
 		server.use(
 			http.post("*/api/v1/auth/refresh", () => {
@@ -137,10 +181,11 @@ describe("AuthProvider", () => {
 		const response = await apiClient.GET("/api/v1/brokerage-accounts");
 
 		expect(response.response.status).toBe(401);
-		await waitFor(() => expect(result.current.user).toBeUndefined());
-		expect(await requestAuthorization()).toBeNull();
-		expect(queryClient.getQueryData(["cached-query"])).toBeUndefined();
-		expect(queryClient.getQueryData(bankCardsKey)).toBeUndefined();
+		// An unreachable server does not prove the session ended; the next 401 refreshes again.
+		await waitFor(() => expect(result.current.unavailable).toBe(true));
+		expect(result.current.user?.id).toBe("user-1");
+		expect(queryClient.getQueryData(["cached-query"])).toEqual({ value: "stale" });
+		expect(queryClient.getQueryData(bankCardsKey)).toEqual([{ id: "bank-card-1" }]);
 	});
 
 	it("clears connection status and financial cache independently on logout", async () => {

src/features/auth/model/auth.vm.ts

@@ -5,6 +5,9 @@ import { apiClient, configureAuthClient, type paths } from "@/shared/api";
 
 import { type User } from "./auth-context";
 
+// A 5xx or network error means the server is unreachable, not that the session ended.
+const HTTP_SERVER_ERROR = 500;
+
 type Authentication
 	= paths["/api/v1/auth/login"]["post"]["responses"][200]["content"]["application/json"];
 
@@ -32,6 +35,8 @@ function useAuthProviderVm() {
 	const accessTokenRef = useRef<string | undefined>(undefined);
 	const [ready, setReady] = useState(false);
 	const [signedOut, setSignedOut] = useState(false);
+	const [unavailable, setUnavailable] = useState(false);
+	const unavailableRef = useRef(false);
 
 	const generationRef = useRef(0);
 	const userRef = useRef<undefined | User>(undefined);
@@ -49,12 +54,18 @@ function useAuthProviderVm() {
 		return next;
 	}, []);
 
+	const markUnavailable = useCallback((isUnavailable: boolean) => {
+		unavailableRef.current = isUnavailable;
+		setUnavailable(isUnavailable);
+	}, []);
+
 	const applyAuthentication = useCallback(
 		(authentication: Authentication) => {
 			const changedIdentity
 				= userRef.current && userRef.current.id !== authentication.user.id;
 
 			setSignedOut(false);
+			markUnavailable(false);
 			accessTokenRef.current = authentication.accessToken;
 
 			if (changedIdentity) {
@@ -67,16 +78,17 @@ function useAuthProviderVm() {
 			userRef.current = authentication.user;
 			setUser(authentication.user);
 		},
-		[queryClient],
+		[markUnavailable, queryClient],
 	);
 
 	const clearSession = useCallback(() => {
+		markUnavailable(false);
 		generationRef.current += 1;
 		userRef.current = undefined;
 		setUser(undefined);
 		accessTokenRef.current = undefined;
 		queryClient.clear();
-	}, [queryClient]);
+	}, [markUnavailable, queryClient]);
 
 	const refresh = useCallback((): Promise<boolean> => {
 		if (refreshPromiseRef.current) return refreshPromiseRef.current;
@@ -86,11 +98,12 @@ function useAuthProviderVm() {
 			if (started !== generationRef.current) return false;
 
 			try {
-				const { data } = await apiClient.POST("/api/v1/auth/refresh");
+				const { data, response } = await apiClient.POST("/api/v1/auth/refresh");
 				if (started !== generationRef.current) return false;
 
 				if (!data) {
-					clearSession();
+					if (response.status >= HTTP_SERVER_ERROR) markUnavailable(true);
+					else clearSession();
 
 					return false;
 				}
@@ -100,7 +113,7 @@ function useAuthProviderVm() {
 				return true;
 			}
 			catch {
-				if (started === generationRef.current) clearSession();
+				if (started === generationRef.current) markUnavailable(true);
 
 				return false;
 			}
@@ -112,7 +125,7 @@ function useAuthProviderVm() {
 		refreshPromiseRef.current = pending;
 
 		return pending;
-	}, [applyAuthentication, clearSession, serialize]);
+	}, [applyAuthentication, clearSession, markUnavailable, serialize]);
 
 	useEffect(() => {
 		void refresh().finally(() => setReady(true));
@@ -146,6 +159,7 @@ function useAuthProviderVm() {
 			clear: clearSession,
 			generation: () => generationRef.current,
 			refresh,
+			unavailable: () => unavailableRef.current,
 		});
 	});
 	useEffect(() => () => configureAuthClient(), []);
@@ -157,7 +171,9 @@ function useAuthProviderVm() {
 		ready,
 		register: (email: string, password: string) =>
 			authenticate("/api/v1/auth/register", email, password),
+		retry: () => void refresh(),
 		signedOut,
+		unavailable,
 		user,
 	};
 

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

@@ -30,4 +30,79 @@ describe("AuthForm", () => {
 		await waitFor(() => expect(onSubmit).not.toHaveBeenCalled());
 		expect(await screen.findByText("Пароли не совпадают")).toBeInTheDocument();
 	});
+
+	it.each([
+		["register", "Регистрация", "Уже есть аккаунт? Войти"],
+		["login", "Вход", "Нет аккаунта? Зарегистрироваться"],
+	])("blocks the switch-auth link while %s is submitting", async (_mode, submitLabel, linkLabel) => {
+		const { promise, resolve } = Promise.withResolvers<void>();
+		const onSubmit = vi.fn(() => promise);
+		render(
+			<MantineProvider>
+				<MemoryRouter>
+					<AuthForm
+						onSubmit={onSubmit}
+						register={_mode === "register"}
+					/>
+				</MemoryRouter>
+			</MantineProvider>,
+		);
+
+		fireEvent.change(screen.getByLabelText("Email"), {
+			target: { value: "user@example.com" },
+		});
+		fireEvent.change(screen.getByLabelText("Пароль"), {
+			target: { value: "a secure password" },
+		});
+
+		if (_mode === "register") {
+			fireEvent.change(screen.getByLabelText("Подтвердите пароль"), {
+				target: { value: "a secure password" },
+			});
+		}
+
+		fireEvent.click(screen.getByRole("button", { name: submitLabel }));
+
+		await waitFor(() => expect(onSubmit).toHaveBeenCalled());
+		expect(screen.queryByRole("link", { name: linkLabel })).not.toBeInTheDocument();
+		expect(screen.getByRole("button", { name: linkLabel })).toBeDisabled();
+
+		resolve();
+		await screen.findByRole("link", { name: linkLabel });
+	});
+
+	// Register policy is 8..72 printable ASCII; login accepts legacy passwords.
+	it.each([
+		["register", "Регистрация", "пароль-пароль", false],
+		["register", "Регистрация", "passw😀rd", false],
+		["register", "Регистрация", "a".repeat(7), false],
+		["register", "Регистрация", "a".repeat(8), true],
+		["register", "Регистрация", "a".repeat(72), true],
+		["register", "Регистрация", "a".repeat(73), false],
+		["login", "Вход", "пароль-пароль", true],
+	])("%s submits password %j: %s", async (mode, submitLabel, password, submitted) => {
+		const onSubmit = vi.fn().mockResolvedValue(undefined);
+
+		render(
+			<MantineProvider>
+				<MemoryRouter>
+					<AuthForm onSubmit={onSubmit} register={mode === "register"} />
+				</MemoryRouter>
+			</MantineProvider>,
+		);
+
+		fireEvent.change(screen.getByLabelText("Email"), { target: { value: "user@example.com" } });
+		fireEvent.change(screen.getByLabelText("Пароль"), { target: { value: password } });
+
+		if (mode === "register") {
+			fireEvent.change(screen.getByLabelText("Подтвердите пароль"), { target: { value: password } });
+		}
+
+		fireEvent.click(screen.getByRole("button", { name: submitLabel }));
+
+		await waitFor(() => expect(
+			screen.queryByText(/Пароль: от 8 до 72 символов/) === null,
+		).toBe(submitted));
+		expect(onSubmit).toHaveBeenCalledTimes(submitted ? 1 : 0);
+	});
 });

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

@@ -1,4 +1,4 @@
-import type { FC } from "react";
+import type { FC, ReactNode } from "react";
 
 import { zodResolver } from "@hookform/resolvers/zod";
 import { Alert, Button, Fieldset, PasswordInput, Stack, TextInput } from "@mantine/core";
@@ -15,7 +15,7 @@ import {
 
 type AuthFormProps = {
 	onSubmit: (email: string, password: string) => Promise<void>;
-	register?: true;
+	register?: boolean;
 };
 
 const AuthForm: FC<AuthFormProps> = (props) => {
@@ -45,6 +45,24 @@ const AuthForm: FC<AuthFormProps> = (props) => {
 	});
 
 	const to = register ? "/login" : "/register";
+	const switchLabel = t(register ? "auth.haveAccount" : "auth.noAccount");
+
+	let switchLink: ReactNode;
+
+	if (isSubmitting) {
+		switchLink = (
+			<Button aria-disabled disabled variant="subtle">
+				{switchLabel}
+			</Button>
+		);
+	}
+	else {
+		switchLink = (
+			<Button component={Link} to={to} variant="subtle">
+				{switchLabel}
+			</Button>
+		);
+	}
 
 	return (
 		<FormProvider {...methods}>
@@ -77,9 +95,7 @@ const AuthForm: FC<AuthFormProps> = (props) => {
 							{t(register ? "auth.register" : "auth.login")}
 						</Button>
 
-						<Button component={Link} to={to} variant="subtle">
-							{t(register ? "auth.haveAccount" : "auth.noAccount")}
-						</Button>
+						{switchLink}
 					</Stack>
 				</Fieldset>
 			</form>

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

@@ -1,61 +1,73 @@
-import { describe, expect, it, vi } from "vitest";
+import { describe, expect, it } from "vitest";
 
 import { resource } from "@/test/resource";
 
 import { section } from "./section";
 
 describe("instrument source and transport presentation", () => {
-	it.each(["missing", "partial", "complete"] as const)(
+	it.each([
+		["initial-loading", "incomplete"],
+		["available", "complete"],
+	] as const)(
 		"keeps %s separate from successful transport",
-		(availability) => {
-			const data = availability === "missing" ? undefined : { rows: [] };
+		(availability, completeness) => {
+			const data = availability === "initial-loading" ? undefined : { rows: [] };
 
 			const state = section({
 				data,
 				isError: false,
-				isFetching: false,
-				meta: resource(data, { availability }).meta,
-				refetch: vi.fn(),
+				meta: resource(data, { availability, completeness }).meta,
 			});
 
-			expect(state.loading).toBe(availability === "missing");
-			expect(state.partial).toBe(availability === "partial");
-			expect(state.hasData).toBe(availability !== "missing");
+			expect(state.loading).toBe(availability === "initial-loading");
+			expect(state.partial).toBe(completeness === "incomplete");
+			expect(state.hasData).toBe(availability !== "initial-loading");
 		},
 	);
-	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" },
+			lastAttempt: {
+				finishedAt: "2026-08-14T00:01:00Z",
+				problems: [],
+				startedAt: "2026-08-14T00:00:00Z",
+				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" },
+				lastAttempt: {
+					finishedAt: "2026-08-14T00:01:00Z",
+					problems: [],
+					startedAt: "2026-08-14T00:00:00Z",
+					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 {
-	const isError = query.isError || query.meta?.sync.state === "failed";
+function hasSectionData(data: unknown) {
+	return data !== undefined;
+}
+
+function section(query: {
+	data: unknown;
+	isError: boolean;
+	meta?: InvestmentResourceMeta;
+}): SectionState {
+	const isError = query.isError || query.meta?.lastAttempt.state === "failed";
+	const hasData = hasSectionData(query.data);
 
 	return {
 		error: isError,
-		hasData: Boolean(query.data),
-		lastSuccessfulAt: query.meta?.lastSuccessfulAt,
-		loading: !query.data && !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",
+		hasData,
+		loading: !hasData && !isError,
+		partial: query.meta?.completeness === "incomplete",
 	};
 }
 

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/index.ts

@@ -1,6 +1,2 @@
 export { useScreenSync } from "./model/screen-sync";
-export {
-	InvestmentRefreshState,
-	type InvestmentRefreshStateProps,
-} from "./ui/InvestmentRefreshState/InvestmentRefreshState.view";
 export { TbankConnectionSection } from "./ui/TbankConnectionSection/TbankConnectionSection";

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

@@ -13,7 +13,6 @@ function isInvestmentPath(path: string) {
 		"/api/v1/brokerage-accounts",
 		"/api/v1/stocks",
 		"/api/v1/bonds",
-		"/api/v1/tbank-sync",
 	].some(root => path === root || path.startsWith(`${root}/`));
 }
 

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

@@ -3,14 +3,12 @@ import { http, HttpResponse } from "msw";
 import { describe, expect, it, vi } from "vitest";
 
 import { useBrokerageAccounts } from "@/entities/brokerage-account";
-import { useStockQuote } from "@/entities/stock";
-import { configureAuthClient, invalidateResourceAccess } from "@/shared/api";
+import { configureAuthClient } from "@/shared/api";
 import { createQueryWrapper } from "@/test/query";
 import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 
 import { useScreenSync } from "../index";
-import { commitTbankConnectionBoundary } from "./connection-boundary";
 
 function auth() {
 	configureAuthClient({
@@ -20,355 +18,23 @@ function auth() {
 	});
 }
 
-describe("page-owned screen synchronization", () => {
-	it("keeps the current scope when an older sync acceptance arrives last", async () => {
+describe("read-only screen synchronization", () => {
+	it("retries the resource with GET without requesting source observation", async () => {
 		auth();
-
-		const { promise: blocked, resolve: release }
-			= Promise.withResolvers<void>();
-
-		const posted: string[] = [];
-		const polled: string[] = [];
-		server.use(
-			http.post("*/api/v1/tbank-sync", async ({ request }) => {
-				const scope = (await request.json()) as {
-					accountId: string;
-					screen: "account";
-				};
-
-				posted.push(scope.accountId);
-				if (scope.accountId === "old") await blocked;
-
-				return HttpResponse.json(
-					{ id: scope.accountId, now: "2026-09-25T00:00:00Z", scope },
-					{ status: 202 },
-				);
-			}),
-			http.get("*/api/v1/tbank-sync/:id", ({ params }) => {
-				polled.push(String(params.id));
-
-				return HttpResponse.json({
-					id: params.id,
-					state: "succeeded",
-				});
-			}),
-		);
-
-		const { rerender, result } = renderHook(
-			({ accountId }) => useScreenSync({ accountId, screen: "account" }, []),
-			{
-				initialProps: { accountId: "old" },
-				wrapper: createQueryWrapper().wrapper,
-			},
-		);
-
-		let pending!: Promise<void>;
-		act(() => {
-			pending = result.current.refresh();
-		});
-		await waitFor(() => expect(posted).toEqual(["old"]));
-		rerender({ accountId: "new" });
-		await act(() => result.current.refresh());
-		await waitFor(() => expect(polled).toEqual(["new"]));
-		await act(async () => {
-			release();
-			await pending;
-		});
-		expect(polled).toEqual(["new"]);
-		expect(posted).toEqual(["old", "new"]);
-	});
-	it.each([false, true])(
-		"retries a failed GET without forcing the source (cached=%s)",
-		async (cached) => {
-			auth();
-			const modes: (null | string)[] = [];
-			let isUnavailable = !cached;
-			let posts = 0;
-			server.use(
-				http.get("*/api/v1/brokerage-accounts", ({ request }) => {
-					modes.push(new URL(request.url).searchParams.get("sync"));
-
-					return isUnavailable
-						? HttpResponse.json({ code: "UNAVAILABLE" }, { status: 503 })
-						: HttpResponse.json(
-								resource([], { dataRevision: String(modes.length) }),
-							);
-				}),
-				http.post("*/api/v1/tbank-sync", () => {
-					posts += 1;
-
-					return new HttpResponse(null, { status: 500 });
-				}),
-			);
-			const { queryClient, wrapper } = createQueryWrapper();
-
-			const { result } = renderHook(
-				() => {
-					const accounts = useBrokerageAccounts();
-					const disabled = useStockQuote("");
-
-					return {
-						accounts,
-						disabled,
-						sync: useScreenSync({ screen: "accounts" }, [accounts, disabled]),
-					};
-				},
-				{ wrapper },
-			);
-
-			if (cached) {
-				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.isSuccess).toBe(true),
-				);
-				isUnavailable = true;
-				await act(() => 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(result.current.disabled.data).toBeUndefined();
-			expect(
-				queryClient
-					.getQueryCache()
-					.findAll({ queryKey: ["get", "/api/v1/brokerage-accounts"] }),
-			).toHaveLength(1);
-		},
-	);
-	it.each([
-		["logout", true],
-		["connection", true],
-		["session", false],
-		["connection", false],
-		["access", false],
-	] as const)(
-		"discards recovery after %s changes (HTTP already pending=%s)",
-		async (boundary, pending) => {
-			auth();
-
-			const { promise: blocked, resolve: release }
-				= Promise.withResolvers<void>();
-
-			let isRecovering = false;
-			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[] = [];
-
-			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.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"),
-				);
-			expect(published).not.toContainEqual(
-				expect.objectContaining({
-					meta: expect.objectContaining({ dataRevision: "old" }) as unknown,
-				}),
-			);
-			unsubscribe();
-		},
-	);
-	it.each([false, true])(
-		"recovers an initial GET failure after forced sync without metadata (status retry=%s)",
-		async (retryStatus) => {
-			auth();
-			const modes: (null | string)[] = [];
-			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;
-
-					return retryStatus && polls === 1
-						? HttpResponse.json({ code: "UNAVAILABLE" }, { status: 503 })
-						: HttpResponse.json({
-								id: "recover",
-								state: "succeeded",
-							});
-				}),
-			);
-			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.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),
-				);
-				await act(() => result.current.sync.retry());
-			}
-
-			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 () => {
-		auth();
-		const modes: (null | string)[] = [];
-		const bodies: unknown[] = [];
-		let isCompleted = false;
-		let polls = 0;
-
-		const meta = () =>
-			resource([], { dataRevision: isCompleted ? "2" : "1" }).meta;
-
+		let gets = 0;
+		const syncModes: (null | string)[] = [];
 		server.use(
 			http.get("*/api/v1/brokerage-accounts", ({ request }) => {
-				modes.push(new URL(request.url).searchParams.get("sync"));
+				gets += 1;
+				syncModes.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());
-				isCompleted = true;
-
-				return HttpResponse.json(
-					{
-						id: "screen",
-						now: "2026-09-25T00:00:00Z",
-						scope: { screen: "accounts" },
-					},
-					{ status: 202 },
-				);
-			}),
-			http.get("*/api/v1/tbank-sync/:id", () => {
-				polls++;
-
-				return HttpResponse.json(
-					{
-						errorCode: null,
-						id: "screen",
-						now: "2026-09-25T00:00:00Z",
-						scope: { screen: "accounts" },
-						state: "succeeded",
-					},
-				);
+				return gets === 1
+					? HttpResponse.json({ code: "TBANK_UNAVAILABLE" }, { status: 503 })
+					: HttpResponse.json(resource([]));
 			}),
 		);
 
-		const { result, unmount } = renderHook(
+		const { result } = renderHook(
 			() => {
 				const accounts = useBrokerageAccounts();
 
@@ -380,251 +46,67 @@ describe("page-owned screen synchronization", () => {
 			{ wrapper: createQueryWrapper().wrapper },
 		);
 
+		await waitFor(() => expect(gets).toBe(1));
+		await act(async () => result.current.sync.retry());
 		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?.dataRevision).toBe("2"),
-		);
-		expect(bodies).toEqual([{ screen: "accounts" }]);
 
-		expect(modes).toEqual([null, "observe"]);
+		expect(gets).toBe(2);
+		expect(syncModes).toEqual([null, null]);
+	});
+
+	it("refreshes the currently open resources together", async () => {
+		auth();
+		let gets = 0;
+		server.use(
+			http.get("*/api/v1/brokerage-accounts", () => {
+				gets += 1;
+
+				return HttpResponse.json(resource([]));
+			}),
+		);
+
+		const { result } = renderHook(
+			() => {
+				const accounts = useBrokerageAccounts();
+
+				return useScreenSync({ screen: "accounts" }, [accounts]);
+			},
+			{ wrapper: createQueryWrapper().wrapper },
+		);
+
+		await waitFor(() => expect(gets).toBe(1));
+		await act(async () => result.current.refresh());
+		await waitFor(() => expect(gets).toBe(2));
+	});
+
+	it("does not manually refetch disabled resources", async () => {
 		vi.useFakeTimers();
+		const refetch = vi.fn(() => Promise.resolve());
+
+		const resource = {
+			isEnabled: false,
+			isError: true,
+			isFetching: false,
+			queryKey: [],
+			refetch,
+		};
 
 		try {
-			await act(() => vi.advanceTimersByTimeAsync(120_000));
-			expect(polls).toBe(1);
+			const { result, unmount } = renderHook(() =>
+				useScreenSync({ screen: "accounts" }, [resource]),
+			);
 
-			expect(modes).toEqual([null, "observe"]);
+			await act(async () => {
+				await result.current.refresh();
+				await result.current.retry();
+			});
+			await act(() => vi.advanceTimersByTime(1_800_000));
+
+			expect(refetch).not.toHaveBeenCalled();
 			unmount();
-			await vi.advanceTimersByTimeAsync(120_000);
-			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 isCompleted = false;
-				let polls = 0;
-				const modes: (null | string)[] = [];
-
-				const snapshot = () =>
-					resource(
-						isCompleted
-							? []
-							: null,
-						{
-							dataRevision: isCompleted ? "covered" : "initial",
-							sync: { errorCode: null, id: "history", state: "running" },
-						},
-					);
-
-				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(
-							{
-								errorCode: null,
-								id: "history",
-								now: "2026-09-25T00:00:00Z",
-								scope: null,
-								state: "running",
-							},
-						);
-					}),
-				);
-
-				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();
-				isCompleted = true;
-				vi.setSystemTime(Date.now() + 61_000);
-				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[0]).toBeNull();
-				expect(modes.slice(1).every(mode => mode === "observe")).toBe(true);
-				if (boundary === "leave") unmount();
-				else act(() => configureAuthClient());
-				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: { errorCode: null, id: "revoked", state: "running" },
-						},
-					),
-				),
-			),
-			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 isObserved = false;
-		const modes: (null | string)[] = [];
-
-		const dependency = resource(
-
-			[],
-			{
-				dataRevision: isObserved ? "covered" : "initial",
-				resourceKey: "operations",
-				sync: {
-					errorCode: null,
-					id: "dependency",
-					state: isObserved ? "idle" : "running",
-				},
-			},
-		).meta;
-
-		server.use(
-			http.get("*/api/v1/brokerage-accounts", ({ request }) => {
-				const mode = new URL(request.url).searchParams.get("sync");
-				modes.push(mode);
-				if (mode) isObserved = true;
-
-				return HttpResponse.json(
-					resource(
-						isObserved
-							? []
-							: null,
-						{
-							dependencies: [
-								{
-									...dependency,
-									dataRevision: isObserved ? "covered" : "initial",
-								},
-							],
-							resourceKey: "projection",
-						},
-					),
-				);
-			}),
-			http.get("*/api/v1/tbank-sync/:id", () =>
-
-				HttpResponse.json(
-					{
-						errorCode: null,
-						id: "dependency",
-						now: "2026-09-25T00:00:00Z",
-						scope: null,
-						state: "succeeded",
-					},
-				),
-			),
-		);
-
-		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

@@ -1,164 +1,61 @@
-import { type QueryKey, useQueryClient } from "@tanstack/react-query";
+import type { QueryKey } from "@tanstack/react-query";
+
 import { useEffect, useRef } from "react";
 
-import {
-	ApiErrorCode,
-	apiErrorCode,
-	apiQueryClient,
-	invalidateResourceAccess,
-	type InvestmentResourceMeta,
-	isApiErrorCode,
-	type paths,
-	useAuthenticatedQueries,
-} from "@/shared/api";
-
-type InvestmentScreen
-	= paths["/api/v1/tbank-sync"]["post"]["requestBody"]["content"]["application/json"];
+import type { InvestmentResourceMeta } from "@/shared/api";
 
 type ScreenResource = {
+	isEnabled: boolean;
 	isError: boolean;
 	isFetching: boolean;
 	meta?: InvestmentResourceMeta;
-	observe: () => Promise<unknown>;
 	queryKey: QueryKey;
+	refetch: () => Promise<unknown>;
 };
 
-const STATUS_INTERVAL_MS = 1000;
+type ScreenScope = {
+	[key: string]: unknown;
+	screen: string;
+};
 
-function useScreenSync(scope: InvestmentScreen, resources: ScreenResource[]) {
-	const mutation = apiQueryClient.useMutation("post", "/api/v1/tbank-sync", {
-		retry: false,
-	});
+const READ_INTERVAL_MS = 1_800_000;
 
-	const client = useQueryClient();
-	const deniedRef = useRef(new Set<unknown>());
-	const scopeKey = JSON.stringify(scope);
-
-	const requestInFlightRef = useRef<null | string>(null);
-
-	const isCurrentMutation
-		= JSON.stringify(mutation.variables?.body) === scopeKey;
-
-	const observedRef = useRef("");
-
-	const ids = [
-		...new Set([
-			...(isCurrentMutation && mutation.data ? [mutation.data.id] : []),
-			...resources
-				.flatMap(({ meta }) =>
-					meta ? [meta, ...(meta.dependencies ?? [])] : [],
-				)
-				.flatMap(meta =>
-					meta.sync.id
-					&& meta.sync.state === "running"
-						? [meta.sync.id]
-						: [],
-				),
-		]),
-	];
-
-	const statuses = useAuthenticatedQueries(
-		ids.map(id => ({
-			...apiQueryClient.queryOptions("get", "/api/v1/tbank-sync/{id}", {
-				params: { path: { id } },
-			}),
-			refetchInterval: (query: {
-				state: { data?: { state: string }; error: unknown };
-			}) =>
-				!(
-					query.state.error
-					|| (query.state.data && query.state.data.state !== "running")
-				) && STATUS_INTERVAL_MS,
-			refetchOnMount: false,
-			refetchOnWindowFocus: false,
-			retry: false,
-		})),
-	);
+function useScreenSync(_scope: ScreenScope, resources: ScreenResource[]) {
+	const resourcesRef = useRef(resources);
+	useEffect(() => {
+		resourcesRef.current = resources;
+	}, [resources]);
 
 	useEffect(() => {
-		for (const status of statuses) {
-			if (!status.error || deniedRef.current.has(status.error)) {
-				continue;
+		const timer = setInterval(() => {
+			for (const resource of resourcesRef.current) {
+				if (!resource.isEnabled || resource.isFetching) continue;
+				void resource.refetch().catch(() => {});
 			}
+		}, READ_INTERVAL_MS);
 
-			deniedRef.current.add(status.error);
-			if (!isApiErrorCode(apiErrorCode(status.error), ApiErrorCode.NotFound))
-				invalidateResourceAccess(client, "brokerage", status.error);
-		}
+		return () => clearInterval(timer);
+	}, []);
 
-		if (statuses.every(status => !status.data)) return;
+	const isRefreshing = resources.some(
+		resource => resource.isEnabled && resource.isFetching,
+	);
 
-		const observation = JSON.stringify([
-			scopeKey,
-			statuses.map(status => [
-				status.data?.id,
-				status.data?.state,
-				status.dataUpdatedAt,
-			]),
-			resources.map(resource => resource.queryKey),
-		]);
-
-		if (observedRef.current === observation) return;
-		observedRef.current = observation;
-
-		const isCompleted = statuses.every(
-			status => status.data && status.data.state !== "running",
-		);
-
-		for (const resource of resources)
-			if (isCompleted || !resource.isFetching)
-				void resource.observe().catch(() => {});
-	}, [client, statuses, resources, scopeKey]);
-
-	const isRefreshing
-		= (isCurrentMutation && 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"
-				);
-			});
+	const eligible = resources.filter(
+		resource => resource.isEnabled && !resource.isFetching,
+	);
 
 	const refresh = async () => {
-		if (isRefreshing || requestInFlightRef.current === scopeKey) return;
-		requestInFlightRef.current = scopeKey;
-
-		try {
-			await mutation.mutateAsync({ body: scope });
-		}
-		catch {
-			/*
-			The mutation retains the transport error for presentation.
-			*/
-		}
-		finally {
-			if (requestInFlightRef.current === scopeKey)
-				requestInFlightRef.current
-
-					= null;
-		}
+		if (isRefreshing) return;
+		await Promise.allSettled(eligible.map(resource => resource.refetch()));
 	};
 
-	// Retry failed HTTP reads without asking the source to import again.
-	// A source failure (or explicit refresh with no read error) still needs a sync.
+	// Retry only the HTTP read; source attempts are reported in resource metadata.
 	const retry = async () => {
-		const failed = resources.filter(
-			resource => resource.isError,
-		);
+		const failed = eligible.filter(resource => resource.isError);
 
-		const failedStatuses = statuses.filter(status => status.isError);
-		if (failed.length > 0 || failedStatuses.length > 0) {
-			await Promise.allSettled([
-				...failed.map(resource => resource.observe()),
-				...failedStatuses.map(status => status.refetch()),
-			]);
-		}
+		if (failed.length > 0)
+			await Promise.allSettled(failed.map(resource => resource.refetch()));
 		else await refresh();
 	};
 
@@ -166,13 +63,11 @@ function useScreenSync(scope: InvestmentScreen, resources: ScreenResource[]) {
 		refresh,
 		refreshing: isRefreshing,
 		retry,
-		sourceError:
-			statuses.some(status => status.data?.state === "failed")
-			|| resources.some(({ meta }) => meta?.sync.state === "failed"),
-		transportError:
-			(isCurrentMutation && mutation.isError)
-			|| statuses.some(status => status.isError),
+		sourceError: resources.some(
+			({ meta }) => meta?.lastAttempt.state === "failed",
+		),
+		transportError: resources.some(resource => resource.isError),
 	};
 }
 
-export { type InvestmentScreen, useScreenSync };
+export { useScreenSync };

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

@@ -1,148 +0,0 @@
-import { act, renderHook, waitFor } from "@testing-library/react";
-import { http, HttpResponse } from "msw";
-import { describe, expect, it, vi } from "vitest";
-
-import { useBrokerageAccounts } from "@/entities/brokerage-account";
-import { apiQueryClient, configureAuthClient } from "@/shared/api";
-import { createQueryWrapper } from "@/test/query";
-import { resource } from "@/test/resource";
-import { server } from "@/test/server";
-
-import type { InvestmentScreen } from "./screen-sync";
-
-import { useScreenSync } from "../index";
-import { commitTbankConnectionBoundary } from "./connection-boundary";
-
-describe("sync connection and session boundaries", () => {
-	it.each(["connection", "session"])(
-		"keeps old status out of the cache after %s changes",
-		async (boundary) => {
-			let generation = 0;
-			configureAuthClient({
-				accessToken: () => "synthetic",
-				clear: vi.fn(),
-				generation: () => generation,
-				refresh: () => Promise.resolve(true),
-			});
-
-			const { promise: blocked, resolve: release }
-				= Promise.withResolvers<void>();
-
-			const accepted = {
-				id: "work",
-				now: "2026-09-25T12:00:00Z",
-				scope: { screen: "accounts" },
-			};
-
-			let started = 0;
-			let isChanged = false;
-			server.use(
-				http.get("*/api/v1/brokerage-accounts", () =>
-					HttpResponse.json(resource([], {
-						sync: { errorCode: null, id: "work", state: "running" },
-					})),
-				),
-				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 = isChanged ? "2026-09-25T12:01:00Z" : accepted.now;
-					started += 1;
-					await blocked;
-
-					return HttpResponse.json(
-						{
-							...accepted,
-							errorCode: null,
-							now,
-							state: "succeeded",
-						},
-					);
-				}),
-			);
-			const { queryClient, wrapper } = createQueryWrapper();
-			const published: string[] = [];
-
-			const unsubscribe = queryClient.getQueryCache().subscribe((event) => {
-				if (
-					(event.query.queryKey as readonly unknown[])[1]
-					!== "/api/v1/tbank-sync/{id}"
-				) {
-					return;
-				}
-
-				const data = event.query.state.data as undefined | { now?: string };
-				if (data?.now) published.push(data.now);
-			});
-
-			const { result } = renderHook(
-				() => {
-					const accounts = useBrokerageAccounts();
-					useScreenSync({ screen: "accounts" }, [accounts]);
-
-					return {
-						mutation: apiQueryClient.useMutation("post", "/api/v1/tbank-sync", {
-							retry: false,
-						}),
-					};
-				},
-				{ wrapper },
-			);
-
-			const screen: InvestmentScreen = { screen: "accounts" };
-			let mutation!: Promise<unknown>;
-			act(() => {
-				mutation = result.current.mutation.mutateAsync({ body: screen });
-			});
-
-			// eslint-disable-next-line unicorn/prefer-await -- Handle rejection before changing the boundary and releasing the pending response.
-			const settled = mutation.catch(() => {});
-
-			await waitFor(() => expect(started).toBe(2));
-			await act(async () => {
-				isChanged = true;
-
-				if (boundary === "connection")
-					commitTbankConnectionBoundary(
-
-						queryClient,
-						{
-							connected: false,
-							connectedAt: null,
-						},
-					);
-				else {
-					generation += 1;
-					queryClient.clear();
-				}
-
-				release();
-				await blocked;
-			});
-			await settled;
-
-			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")
-				// eslint-disable-next-line vitest/no-conditional-expect -- The fixed table case selects the expected outcome; every case asserts its own branch.
-				expect(queryClient.getQueryData(key)).toBeUndefined();
-			else
-				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(queryClient.getQueryData(key)).toMatchObject({
-						now: "2026-09-25T12:01:00Z",
-					}),
-				);
-			expect(published).not.toContain(accepted.now);
-			unsubscribe();
-		},
-	);
-});

src/features/tbank-connection/ui/InvestmentRefreshState/InvestmentRefreshState.view.tsx

@@ -58,4 +58,4 @@ const InvestmentRefreshState: FC<InvestmentRefreshStateProps> = (props) => {
 	);
 };
 
-export { InvestmentRefreshState, type InvestmentRefreshStateProps };
+export { InvestmentRefreshState };

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,
@@ -18,9 +17,10 @@ import {
 	useLocation,
 	useNavigate,
 } from "react-router";
-import { beforeEach, describe, expect, it, vi } from "vitest";
+import { afterEach, beforeEach, describe, expect, it, vi } from "vitest";
 
 import { configureAuthClient } from "@/shared/api";
+import { defaultPeriod, formatDate, moscowDate } from "@/shared/lib";
 import { createTestQueryClient } from "@/test/query";
 import { resource } from "@/test/resource";
 import { server } from "@/test/server";
@@ -72,7 +72,14 @@ function renderEvents(accountId: string, searches: string[]) {
 }
 
 describe("Upcoming event date filters", () => {
+	afterEach(() => {
+		vi.useRealTimers();
+	});
 	beforeEach(() => {
+		// Pin "today": the test picks today + 10 days, which must be inside the visible calendar grid.
+		// Real dates can push it beyond the grid (e.g. 2026-10-23 -> 2 November).
+		vi.useFakeTimers({ toFake: ["Date"] });
+		vi.setSystemTime(new Date("2026-08-10T09:00:00Z"));
 		configureAuthClient({
 			accessToken: () => "token",
 			clear: vi.fn(),
@@ -80,6 +87,8 @@ describe("Upcoming event date filters", () => {
 		});
 	});
 
+	afterEach(() => vi.useRealTimers());
+
 	it("keeps reads and sync disabled without an account scope", async () => {
 		const requests: string[] = [];
 		server.use(
@@ -115,7 +124,6 @@ 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);
@@ -124,25 +132,17 @@ describe("Upcoming event date filters", () => {
 						resource(
 							null,
 							{
-								sync: {
-									errorCode: "TBANK_UNAVAILABLE",
-									id: null,
+								lastAttempt: {
+									finishedAt: "2026-08-14T00:01:00Z",
+									problems: [],
+									startedAt: "2026-08-14T00:00:00Z",
 									state: "failed",
 								},
 							},
 						),
 					);
 				}),
-				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(
@@ -162,21 +162,13 @@ 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 },
-				]),
-			);
 		},
 	);
 
 	it.each(["account-1", "all"])(
 		"normalizes invalid links and history while preserving one-sided future dates for %s",
 		async (accountId) => {
+			const [defaultFrom, defaultTo] = defaultPeriod();
 			const searches: string[] = [];
 			server.use(
 				http.get(
@@ -215,24 +207,28 @@ describe("Upcoming event date filters", () => {
 				),
 			);
 			expect(screen.getByLabelText("Период")).toHaveTextContent("01.02.2099");
-			expect(searches).toEqual(["", "?from=2099-02-01", "?to=2099-02-28"]);
+			expect(searches[0]).toBe("");
+			expect(searches).toContain(`?from=${defaultFrom}&to=${defaultTo}`);
+			expect(searches).toContain("?from=2099-02-01");
+			expect(searches).toContain("?to=2099-02-28");
 		},
 	);
 
 	it.each(["account-1", "all"])(
 		"lets users reset filters after a request failure for %s",
 		async (accountId) => {
+			const [defaultFrom] = defaultPeriod();
 			server.use(
 				http.get(
 					"*/api/v1/brokerage-accounts/:accountId/events",
 					({ request }) =>
-						new URL(request.url).searchParams.has("from")
-							? HttpResponse.json({ code: "VALIDATION_ERROR" }, { status: 400 })
-							: HttpResponse.json(resource({ events: [] })),
+						new URL(request.url).searchParams.get("from") === defaultFrom
+							? HttpResponse.json(resource({ events: [] }))
+							: HttpResponse.json({ code: "VALIDATION_ERROR" }, { status: 400 }),
 				),
 			);
 			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();
@@ -242,6 +238,11 @@ describe("Upcoming event date filters", () => {
 	it.each(["account-1", "all"])(
 		"applies dates only on submit, restores URL dates, and resets from empty results for %s",
 		async (accountId) => {
+			// Pin "today" mid-month so "today + 10 days" stays in the calendar's
+			// visible month regardless of the real date.
+			vi.useFakeTimers({ toFake: ["Date"] });
+			vi.setSystemTime(new Date("2026-10-15T12:00:00+03:00"));
+			const [defaultFrom, defaultTo] = defaultPeriod();
 			const searches: string[] = [];
 			server.use(
 				http.get(
@@ -260,38 +261,63 @@ describe("Upcoming event date filters", () => {
 					},
 				),
 			);
-			renderEvents(accountId, ["?from=2099-02-01&to=2099-02-28"]);
+			renderEvents(accountId, ["?from=2026-02-01&to=2026-02-28"]);
 			const from = await screen.findByLabelText("Период");
-			expect(from).toHaveTextContent("01.02.2099 – 28.02.2099");
+			expect(from).toHaveTextContent("01.02.2026 – 28.02.2026");
 			expect(screen.getByRole("button", { name: "Применить" })).toBeDisabled();
-			expect(searches).toEqual(["?from=2099-02-01&to=2099-02-28"]);
-			fireEvent.click(from);
+			expect(searches).toEqual(["?from=2026-02-01&to=2026-02-28"]);
+
+			// The calendar opens on the applied month, so reset to the default
+			// range first, then pick today and a future date.
+			fireEvent.click(screen.getByRole("button", { name: "Сбросить" }));
+			await waitFor(() => expect(screen.getByLabelText("URL")).toBeEmptyDOMElement());
+			const picker = await screen.findByLabelText("Период");
+
+			const [today] = defaultPeriod();
+			const [year = 1970, month = 0, day = 1] = today.split("-").map(Number);
+
+			const future = moscowDate(new Date(
+				Date.UTC(year, month - 1, day + 10, 12),
+			));
+
+			// Mantine calendar labels follow dayjs default (English) locale.
+			const calendarLabel = (date: string) => {
+				const monthName = new Intl.DateTimeFormat("en", { month: "long" })
+					.format(new Date(`${date}T12:00:00Z`));
+
+				const pattern = `${Number(date.slice(8))} ${monthName} ${date.slice(0, 4)}`;
+
+				// Dates are constructed above from validated defaultPeriod output.
+				// eslint-disable-next-line security/detect-non-literal-regexp -- see comment above
+				return new RegExp(pattern, "i");
+			};
+
+			fireEvent.click(picker);
 			fireEvent.click(
-				await screen.findByRole("button", { name: /10 February 2099/i }),
+				await screen.findByRole("button", { name: calendarLabel(today) }),
 			);
 			fireEvent.click(
-				await screen.findByRole("button", { name: /28 February 2099/i }),
+				await screen.findByRole("button", { name: calendarLabel(future) }),
 			);
-			expect(searches).toHaveLength(1);
+			// The reset itself fetched the default range; picking dates applies only on submit.
+			expect(searches).toEqual([
+				"?from=2026-02-01&to=2026-02-28",
+				`?from=${defaultFrom}&to=${defaultTo}`,
+			]);
 			fireEvent.click(screen.getByRole("button", { name: "Применить" }));
 			await waitFor(() =>
-				expect(searches.at(-1)).toBe("?from=2099-02-10&to=2099-02-28"),
+				expect(searches.at(-1)).toBe(`?from=${today}&to=${future}`),
 			);
 			expect(await screen.findByLabelText("Период")).toHaveTextContent(
-				"10.02.2099 – 28.02.2099",
+				`${formatDate(today)} – ${formatDate(future)}`,
 			);
 			fireEvent.click(screen.getByRole("button", { name: "History back" }));
 			await waitFor(() =>
 				expect(screen.getByLabelText("Период")).toHaveTextContent(
-					"01.02.2099 – 28.02.2099",
+					`${formatDate(defaultFrom)} – ${formatDate(defaultTo)}`,
 				),
 			);
-			expect(screen.getByLabelText("URL")).toHaveTextContent(
-				"?from=2099-02-01&to=2099-02-28",
-			);
-			fireEvent.click(screen.getByRole("button", { name: "Сбросить" }));
-			await waitFor(() => expect(searches.at(-1)).toBe(""));
-			expect(await screen.findByLabelText("Период")).toHaveTextContent("");
+			expect(screen.getByLabelText("URL")).toBeEmptyDOMElement();
 			expect(screen.getByRole("button", { name: "Применить" })).toBeDisabled();
 			expect(
 				screen.getByText("За выбранный период событий не найдено"),
@@ -300,7 +326,7 @@ 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(),
@@ -318,7 +344,14 @@ it("retains the previous complete forecast and timestamp when its source refresh
 
 	const snapshot = resource(
 		{ events, incomeTotalsByCurrency: [{ currency: "RUB", value: "123.45" }] },
-		{ sync: { errorCode: "TBANK_UNAVAILABLE", id: "failed", state: "failed" } },
+		{
+			lastAttempt: {
+				finishedAt: "2026-08-14T00:01:00Z",
+				problems: [],
+				startedAt: "2026-08-14T00:00:00Z",
+				state: "failed",
+			},
+		},
 	);
 
 	server.use(
@@ -343,9 +376,6 @@ 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

@@ -6,6 +6,7 @@ import { beforeEach, describe, expect, it, vi } from "vitest";
 import type * as BrokerageEvents from "@/entities/brokerage-event";
 
 import { useBrokerageEvents } from "@/entities/brokerage-event";
+import { defaultPeriod } from "@/shared/lib";
 
 import { AccountEventsPage } from "./AccountEventsPage";
 
@@ -50,8 +51,9 @@ describe("AccountEventsPage", () => {
 				isError: false,
 				isLoading: false,
 				meta: {
-					availability: "complete",
-					sync: { errorCode: null, id: null, state: "idle" },
+					availability: "available",
+					completeness: "complete",
+					lastAttempt: { finishedAt: null, problems: [], startedAt: null, state: "none" },
 				},
 				refetch: vi.fn(),
 			} as never,
@@ -71,7 +73,10 @@ describe("AccountEventsPage", () => {
 				</MemoryRouter>
 			</MantineProvider>,
 		);
-		expect(query).toHaveBeenCalledWith("selected-account", {});
+		expect(query).toHaveBeenCalledWith("selected-account", {
+			from: defaultPeriod()[0],
+			to: defaultPeriod()[1],
+		});
 	});
 
 	it("keeps the loading fallback when no result or account is available", () => {
@@ -81,14 +86,18 @@ describe("AccountEventsPage", () => {
 				isError: false,
 				isLoading: false,
 				meta: {
-					availability: "complete",
-					sync: { errorCode: null, id: null, state: "idle" },
+					availability: "available",
+					completeness: "complete",
+					lastAttempt: { finishedAt: null, problems: [], startedAt: null, state: "none" },
 				},
 				refetch: vi.fn(),
 			} as never,
 		);
 		renderPage();
-		expect(query).toHaveBeenCalledWith("", {});
+		expect(query).toHaveBeenCalledWith("", {
+			from: defaultPeriod()[0],
+			to: defaultPeriod()[1],
+		});
 		expect(screen.getByRole("status", { name: "Загрузка" })).toHaveAttribute(
 			"aria-busy",
 			"true",
@@ -131,8 +140,9 @@ describe("AccountEventsPage", () => {
 				isError: false,
 				isLoading: false,
 				meta: {
-					availability: "complete",
-					sync: { errorCode: null, id: null, state: "idle" },
+					availability: "available",
+					completeness: "complete",
+					lastAttempt: { finishedAt: null, problems: [], startedAt: null, state: "none" },
 				},
 				refetch: vi.fn(),
 			} as never,
@@ -146,7 +156,7 @@ describe("AccountEventsPage", () => {
 		expect(screen.getAllByText(/RU000A0JX0J2$/)).toHaveLength(1);
 		expect(screen.getByText("25.08.2026")).toBeVisible();
 		expect(screen.queryByText(/Дата события/)).not.toBeInTheDocument();
-		expect(screen.getAllByText("Ожидаемая сумма")).toHaveLength(2);
+		expect(screen.getAllByText("Прогноз")).toHaveLength(2);
 		const logo = screen.queryByAltText("");
 		expect(logo).toHaveAttribute(
 			"src",
@@ -159,8 +169,7 @@ 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 +178,6 @@ describe("AccountEventsPage", () => {
 			data: undefined,
 			isError: true,
 			isLoading: false,
-			refetch,
 		} as never);
 		rerender(
 			<MantineProvider>
@@ -178,8 +186,8 @@ 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", () => {
@@ -189,8 +197,9 @@ describe("AccountEventsPage", () => {
 				isError: false,
 				isLoading: true,
 				meta: {
-					availability: "complete",
-					sync: { errorCode: null, id: null, state: "idle" },
+					availability: "available",
+					completeness: "complete",
+					lastAttempt: { finishedAt: null, problems: [], startedAt: null, state: "none" },
 				},
 				refetch: vi.fn(),
 			} as never,
@@ -202,4 +211,30 @@ describe("AccountEventsPage", () => {
 		expect(status).toHaveAttribute("aria-busy", "true");
 		expect(within(status).queryByRole("button")).not.toBeInTheDocument();
 	});
+
+	it("keeps a null events envelope loading instead of an empty period", () => {
+		query.mockReturnValue(
+			{
+				data: null,
+				isError: false,
+				isLoading: false,
+				meta: {
+					availability: "available",
+					completeness: "complete",
+					lastAttempt: { finishedAt: null, problems: [], startedAt: null, state: "none" },
+				},
+				refetch: vi.fn(),
+			} as never,
+		);
+
+		renderPage();
+
+		expect(screen.getByRole("status", { name: "Загрузка" })).toHaveAttribute(
+			"aria-busy",
+			"true",
+		);
+		expect(
+			screen.queryByText("За выбранный период событий не найдено"),
+		).not.toBeInTheDocument();
+	});
 });

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

@@ -1,30 +1,36 @@
 import { useState } from "react";
 import { useParams } from "react-router";
 
+import type { InvestmentResourceMeta } from "@/shared/api";
+
 import {
 	type BrokerageEvent,
 	useBrokerageEvents,
 } from "@/entities/brokerage-event";
 import { useScreenSync } from "@/features/tbank-connection";
-import { isValidPeriod, useUrlPeriod } from "@/shared/lib";
+import {
+	defaultPeriod,
+	isValidPeriod,
+	moscowDate,
+	useInitialAvailability,
+	useUrlPeriod,
+} from "@/shared/lib";
 
 type AccountEventsPageViewModel
 	= | {
 		canApply: boolean;
 		draftPeriod: [null | string, null | string];
 		events: BrokerageEvent[];
-		lastSuccessfulAt?: null | string;
+		minDate: string;
 		onApply: () => void;
 		onPeriodChange: (value: [null | string, null | string]) => void;
+		onPeriodPopoverOpen: () => void;
 		onReset: () => void;
 		partial?: boolean;
-		refreshError: boolean;
-		refreshing: boolean;
-		retry: () => void;
-		sourceError?: boolean;
+		source?: InvestmentResourceMeta;
 		state: "loaded";
 	}
-	| { onReset: () => void; retry: () => void; state: "error" }
+	| { onReset: () => void; state: "error" }
 	| { state: "loading" };
 
 function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
@@ -43,6 +49,8 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 
 	const [draftFrom, draftTo] = draftPeriod;
 
+	const [minDate, setMinDate] = useState(() => moscowDate(new Date()));
+
 	const scope = JSON.stringify([accountId, appliedFrom, appliedTo]);
 	const [previousScope, setPreviousScope] = useState(scope);
 
@@ -56,7 +64,7 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 		...(appliedTo && { to: appliedTo }),
 	});
 
-	const sync = useScreenSync(
+	useScreenSync(
 		{
 			accountId,
 			screen: "events",
@@ -66,22 +74,30 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 		[events],
 	);
 
-	if (events.isLoading) return { state: "loading" };
+	const availability = useInitialAvailability({
+		hasContent: !!events.data,
+		identity: scope,
+		isError: events.isError || events.meta?.lastAttempt.state === "failed",
+		isFetching: events.isFetching,
+	});
+
+	if (availability === "loading" && events.isLoading)
+		return { state: "loading" };
 
 	const onReset = () => {
-		setDraftPeriod([null, null]);
+		setDraftPeriod([appliedFrom, appliedTo]);
 		setSearchParameters({});
 	};
 
-	if ((events.isError || events.meta?.sync.state === "failed") && !events.data)
+	if ((events.isError || events.meta?.lastAttempt.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 +105,7 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 			&& isValidPeriod(draftFrom, draftTo),
 		draftPeriod,
 		events: events.data.events,
-		lastSuccessfulAt: events.meta?.lastSuccessfulAt,
+		minDate,
 		onApply: () => {
 			if (!isValidPeriod(draftFrom, draftTo)) return;
 			setSearchParameters({
@@ -97,15 +113,13 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 				...(draftTo && { to: draftTo }),
 			});
 		},
-		onPeriodChange: setDraftPeriod,
+		onPeriodChange: value => setDraftPeriod(
+			value[0] === null && value[1] === null ? defaultPeriod() : value,
+		),
+		onPeriodPopoverOpen: () => setMinDate(moscowDate(new Date())),
 		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,
+		partial: events.meta?.completeness === "incomplete",
+		source: events.meta,
 		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,
@@ -55,32 +54,16 @@ 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>
+			<SourceSyncStatus
+				lastAttempt={props.source?.lastAttempt}
+				lastSuccessfulAt={props.source?.lastSuccessfulAt}
+				stale={props.source?.freshness === "stale"}
+			/>
 
 			{!!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">
@@ -89,9 +72,11 @@ const AccountEventsPageLoaded: FC<AccountEventsPageLoadedProps> = (props) => {
 					clearable
 					clearButtonProps={{ "aria-label": t("ledger.clearPeriod") }}
 					label={t("ledger.period")}
+					minDate={props.minDate}
 					onChange={props.onPeriodChange}
 					popoverProps={{
 						middlewares: { shift: { crossAxis: true } },
+						onOpen: props.onPeriodPopoverOpen,
 						returnFocus: true,
 					}}
 					type="range"

src/pages/account-income/model/display.test.ts

@@ -2,167 +2,25 @@ import { describe, expect, it } from "vitest";
 
 import type { IncomeAnalytics } from "@/entities/income";
 
-import { resource } from "@/test/resource";
-
 import { toIncomeDisplayModel } from "./display";
 
-const analytics: IncomeAnalytics = {
-	accountId: "account-1",
-	bucketGranularity: "day",
-	buckets: [],
-	calculatedAt: "2026-08-27T00:00:00Z",
-	entries: [],
-	instruments: [],
-	period: { from: "2026-08-01", to: "2026-08-27" },
-	previous: {
-		period: { from: "2026-07-01", to: "2026-07-31" },
-		totalsByCurrency: [comparison("RUB")],
-	},
-	totalsByCurrency: [],
-	yearComparison: null,
-};
+describe("income payments display", () => {
+	it("keeps repeated IDs, order and logo revisions without reconstructing financial data", () => {
+		const payment = {
+			id: "same",
+			instrumentKey: "bond:RUB",
+			logoName: null,
+		} as IncomeAnalytics["entries"][number];
 
-function comparison(currency: string) {
-	return {
-		compared: summary(currency, "1", "0"),
-		currency,
-		difference: summary(currency, "9", "2"),
-		selected: summary(currency, "10", "2"),
-	};
-}
+		const analytics = {
+			entries: [payment, payment, { ...payment, logoName: "bond.png" }],
+		} as IncomeAnalytics;
 
-function money(currency: string, value: string) {
-	return { currency, value };
-}
+		const display = toIncomeDisplayModel(analytics);
 
-function summary(currency: string, coupon: string, dividend: string) {
-	return {
-		coupon: money(currency, coupon),
-		currency,
-		dividend: money(currency, dividend),
-		total: money(currency, String(Number(coupon) + Number(dividend))),
-	};
-}
-
-describe("income comparison display", () => {
-	it.each([
-		["25", "100", "+25 %"],
-		["-25", "100", "-25 %"],
-		["0", "100", "0 %"],
-		["-0.000", "100", "0 %"],
-		["0.0001", "100", "0 %"],
-		["1", "3", "+33,3 %"],
-		["0.01", "0.04", "+25 %"],
-		["123456789012345678.123456789", "123456789012345678.123456789", "+100 %"],
-		[
-			"10",
-			"0",
-			null,
-		],
-		[
-			"0",
-			"0",
-			null,
-		],
-		[
-			"10",
-			"-0.00",
-			null,
-		],
-		[
-			"10",
-			"-100",
-			null,
-		],
-		[
-			"9".repeat(400),
-			"1",
-			null,
-		],
-		[
-			"1",
-			"9".repeat(400),
-			null,
-		],
-	])("formats change %s against base %s", (difference, base, expected) => {
-		const value = comparison("RUB");
-		value.difference.coupon = money("RUB", difference);
-		value.compared.coupon = money("RUB", base);
-
-		const display = toIncomeDisplayModel({
-			...analytics,
-			yearComparison: {
-				period: { from: "2025-08-01", to: "2025-08-27" },
-				totalsByCurrency: [value],
-			},
-		});
-
-		const result = display?.comparison?.values[0];
-		expect(
-			result?.percentages.coupon?.replaceAll("\u{A0}", " ")
-
-			?? null,
-		).toBe(expected);
-		expect(result?.difference.coupon.value).toBe(difference);
-		expect(result?.compared.coupon.value).toBe(base);
-	});
-
-	it("formats calendar ranges across years and preserves separate currencies", () => {
-		const display = toIncomeDisplayModel({
-			...analytics,
-			period: { from: "2025-12-01", to: "2026-01-09" },
-			yearComparison: {
-				period: { from: "2024-12-01", to: "2025-01-09" },
-				totalsByCurrency: [comparison("RUB"), comparison("USD")],
-			},
-		});
-
-		expect(display?.comparison?.selectedPeriod.replaceAll(/\s/g, " ")).toBe(
-			"01.12.2025 – 09.01.2026",
+		expect(display.entries.map(({ operation }) => operation)).toEqual(
+			analytics.entries,
 		);
-		expect(display?.comparison?.comparedPeriod.replaceAll(/\s/g, " ")).toBe(
-			"01.12.2024 – 09.01.2025",
-		);
-		expect(display?.comparison?.values.map(value => value.currency)).toEqual([
-			"RUB",
-			"USD",
-		]);
+		expect(new Set(display.entries.map(({ key }) => key)).size).toBe(3);
 	});
 });
-
-it("maps comparison notices by role regardless of dependency order or resource key", () => {
-	const selected = { ...resource(analytics).meta, role: "selected" as const };
-
-	const previous
-		= {
-			...resource(null).meta,
-			resourceKey: "opaque/year-looking-key",
-			role: "previous" as const,
-			sync: {
-				errorCode: "TBANK_UNAVAILABLE",
-				id: null,
-				state: "failed" as const,
-			},
-		};
-
-	const year = {
-		...resource(null).meta,
-		resourceKey: "opaque/previous-looking-key",
-		role: "year" as const,
-		unavailableReason: "CALENDAR_OR_ACCOUNT_HISTORY",
-	};
-
-	for (const dependencies of [
-		[selected, previous, year],
-		[year, selected, previous],
-	]) {
-		const display = toIncomeDisplayModel(analytics, {
-			...resource(analytics).meta,
-			dependencies,
-		});
-
-		expect(display?.previousNotice).toBe("comparisonFailed");
-		expect(display?.yearNotice).toBe("yearUnavailable");
-		expect(display?.previousComparison).not.toBeNull();
-	}
-});

src/pages/account-income/model/display.ts

@@ -1,102 +1,11 @@
-import type { IncomeAnalytics, IncomeAnalyticsMeta } from "@/entities/income";
-
-import { formatDate } from "@/shared/lib";
-
-import type { IncomePeriod } from "./period";
-
-type ComparisonNotice
-	= | "comparisonFailed"
-		| "comparisonPending"
-		| "previousUnavailable"
-		| "yearUnavailable";
+import type { IncomeAnalytics } from "@/entities/income";
 
 type IncomeDisplayModel = {
-	comparison: null
-		| {
-			comparedPeriod: string;
-			selectedPeriod: string;
-			values: (NonNullable<
-				IncomeAnalytics["yearComparison"]
-			>["totalsByCurrency"][number] & {
-				percentages: Record<"coupon"
-				| "dividend"
-				| "total", null | string>;
-			})[];
-		};
 	entries: { key: string; operation: IncomeAnalytics["entries"][number] }[];
-	previousComparison: IncomeDisplayModel["comparison"];
-	previousNotice: ComparisonNotice;
-	yearNotice: ComparisonNotice;
 };
 
-function comparisonDisplay(
-	period: IncomePeriod,
-	comparison: IncomeAnalytics["yearComparison"],
-): IncomeDisplayModel["comparison"] {
-	if (!comparison)
-		return null;
-
-	return {
-		comparedPeriod: formatComparisonPeriod(comparison.period),
-		selectedPeriod: formatComparisonPeriod(period),
-		values: comparison.totalsByCurrency.map(value => ({
-			...value,
-			percentages: {
-				coupon: formatIncomeChange(
-					value.difference.coupon.value,
-					value.compared.coupon.value,
-				),
-				dividend: formatIncomeChange(
-					value.difference.dividend.value,
-					value.compared.dividend.value,
-				),
-				total: formatIncomeChange(
-					value.difference.total.value,
-					value.compared.total.value,
-				),
-			},
-		})),
-	};
-}
-
-function comparisonNotice(
-	dependency:
-		IncomeAnalyticsMeta["dependencies"][number] | undefined,
-	unavailable: "previousUnavailable" | "yearUnavailable",
-): ComparisonNotice {
-	if (!dependency || dependency.unavailableReason) return unavailable;
-
-	return dependency.sync.state === "failed"
-		? "comparisonFailed"
-		: "comparisonPending";
-}
-
-function formatComparisonPeriod(period: IncomePeriod): string {
-	return `${formatDate(period.from)} – ${formatDate(period.to)}`;
-}
-
-function formatIncomeChange(
-	difference: string,
-	compared: string,
-): null | string {
-	// Display-only ratio; server-provided Money values remain exact decimal strings.
-	const base = Number(compared);
-	if (!Number.isFinite(base) || base <= 0)
-		return null;
-	const ratio = Number(difference) / base;
-	if (!Number.isFinite(ratio))
-		return null;
-
-	return new Intl.NumberFormat("ru-RU", {
-		maximumFractionDigits: 1,
-		signDisplay: "exceptZero",
-		style: "percent",
-	}).format(ratio);
-}
-
 function toIncomeDisplayModel(
 	analytics: IncomeAnalytics,
-	meta?: IncomeAnalyticsMeta,
 ): IncomeDisplayModel {
 	const entries: IncomeDisplayModel["entries"] = [];
 	const occurrences = new Map<string, number>();
@@ -116,17 +25,7 @@ function toIncomeDisplayModel(
 		});
 	}
 
-	const dependencies = meta?.dependencies ?? [];
-	const previous = dependencies.find(({ role }) => role === "previous");
-	const year = dependencies.find(({ role }) => role === "year");
-
-	return {
-		comparison: comparisonDisplay(analytics.period, analytics.yearComparison),
-		entries,
-		previousComparison: comparisonDisplay(analytics.period, analytics.previous),
-		previousNotice: comparisonNotice(previous, "previousUnavailable"),
-		yearNotice: comparisonNotice(year, "yearUnavailable"),
-	};
+	return { entries };
 }
 
 export { type IncomeDisplayModel, toIncomeDisplayModel };

src/pages/account-income/ui/AccountIncomePage/AccountIncomePage.module.css

@@ -22,123 +22,6 @@
 	min-width: 0;
 }
 
-.comparison {
-	container-type: inline-size;
-}
-
-.comparisonGrid {
-	display: grid;
-	grid-template-columns: minmax(0, 1fr);
-	gap: var(--mantine-spacing-sm);
-}
-
-.comparisonPanel {
-	min-width: 0;
-	padding: var(--mantine-spacing-md);
-	border-radius: var(--mantine-radius-md);
-	border-top: 3px solid var(--mantine-color-gray-4);
-	background: var(--mantine-color-gray-0);
-}
-
-.comparisonPanel[data-kind="selected"] {
-	border-color: var(--mantine-color-blue-6);
-	background: var(--mantine-color-blue-0);
-}
-
-.comparisonPanel[data-tone="positive"] {
-	border-color: var(--mantine-color-green-8);
-	background: var(--mantine-color-green-0);
-}
-
-.comparisonPanel[data-tone="negative"] {
-	border-color: var(--mantine-color-red-8);
-	background: var(--mantine-color-red-0);
-}
-
-.comparisonLabel,
-.comparisonValues dt {
-	color: var(--mantine-color-gray-7);
-}
-
-.comparisonValues {
-	margin: var(--mantine-spacing-md) 0 0;
-	font-size: var(--mantine-font-size-sm);
-}
-
-.comparisonValues dd {
-	min-width: 0;
-	margin: 0;
-	font-weight: 600;
-	font-variant-numeric: tabular-nums;
-	overflow-wrap: anywhere;
-}
-
-.comparisonTotal {
-	margin-bottom: var(--mantine-spacing-md);
-	padding-bottom: var(--mantine-spacing-md);
-	border-bottom: 1px solid var(--mantine-color-gray-3);
-}
-
-.comparisonTotal dd {
-	margin-top: 4px;
-	font-size: var(--mantine-h2-font-size);
-	line-height: 1.3;
-	font-weight: 700;
-	letter-spacing: -0.025em;
-}
-
-.comparisonValues dd[data-tone="positive"] {
-	color: color-mix(
-		in srgb,
-		var(--mantine-color-green-9) 85%,
-		var(--mantine-color-black)
-	);
-}
-
-.comparisonValues dd[data-tone="negative"] {
-	color: var(--mantine-color-red-9);
-}
-
-.comparisonValues dd[data-tone="neutral"] {
-	color: var(--mantine-color-gray-7);
-}
-
-.comparisonPanel[data-kind="selected"] .comparisonTotal dd {
-	color: var(--mantine-color-blue-8);
-}
-
-.comparisonDetail {
-	display: flex;
-	flex-wrap: wrap;
-	justify-content: space-between;
-	gap: 4px var(--mantine-spacing-xs);
-	margin-top: var(--mantine-spacing-xs);
-}
-
-.comparisonPercent {
-	display: inline-block;
-	margin-left: var(--mantine-spacing-xs);
-	padding: 2px 6px;
-	border-radius: var(--mantine-radius-sm);
-	background: var(--mantine-color-white);
-	font-size: var(--mantine-font-size-xs);
-	font-weight: 600;
-	line-height: 1.5;
-	letter-spacing: normal;
-	vertical-align: middle;
-}
-
-.comparisonNotice {
-	background: var(--mantine-color-gray-0);
-	border-left: 3px solid var(--mantine-color-gray-4);
-}
-
-@container (min-width: 42em) {
-	.comparisonGrid {
-		grid-template-columns: repeat(3, minmax(0, 1fr));
-	}
-}
-
 @media (max-width: 35.999em) {
 	.fields {
 		grid-template-columns: minmax(0, 1fr);

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

@@ -72,23 +72,9 @@ const analytics
 			},
 		],
 		period: { from: "2026-08-01", to: "2026-08-27" },
-		previous: {
-			period: { from: "2026-07-01", to: "2026-07-31" },
-			totalsByCurrency: [comparison("RUB")],
-		},
 		totalsByCurrency: [summary("RUB", "10", "2")],
-		yearComparison: null,
 	} satisfies IncomeAnalytics & { instruments: [unknown] };
 
-function comparison(currency: string) {
-	return {
-		compared: summary(currency, "1", "0"),
-		currency,
-		difference: summary(currency, "9", "2"),
-		selected: summary(currency, "10", "2"),
-	};
-}
-
 function entry(): IncomeAnalytics["entries"][number] {
 	return {
 		accruedInterest: null,
@@ -195,7 +181,6 @@ 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",
@@ -206,9 +191,10 @@ describe("AccountIncomePage", () => {
 						resource(
 							null,
 							{
-								sync: {
-									errorCode: "TBANK_UNAVAILABLE",
-									id: null,
+								lastAttempt: {
+									finishedAt: "2026-08-14T00:01:00Z",
+									problems: [],
+									startedAt: "2026-08-14T00:00:00Z",
 									state: "failed",
 								},
 							},
@@ -216,30 +202,11 @@ 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 () => {
@@ -347,6 +314,24 @@ describe("AccountIncomePage", () => {
 		).not.toBeInTheDocument();
 	});
 
+	it("keeps a null analytics envelope loading instead of an empty page", async () => {
+		server.use(
+			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
+				HttpResponse.json(resource(null)),
+			),
+		);
+		renderPage();
+		expect(
+			await screen.findByRole("status", { name: "Загрузка" }, { timeout: 4000 }),
+		).toBeVisible();
+		expect(
+			screen.queryByRole("heading", { name: "Пассивный доход" }),
+		).not.toBeInTheDocument();
+		expect(
+			screen.queryByRole("button", { name: "Повторить" }),
+		).not.toBeInTheDocument();
+	});
+
 	it("renders the signed drill-down using opaque membership rather than instrument identity", async () => {
 		const response
 			= {
@@ -391,19 +376,11 @@ describe("AccountIncomePage", () => {
 		expect(within(panel).getByText("−2 ₽")).toBeInTheDocument();
 	});
 
-	it("renders realized text and comparisons without subscribing to events", async () => {
+	it("renders realized income without comparison blocks or event requests", async () => {
 		const eventsRequest = vi.fn(() => new HttpResponse(null, { status: 503 }));
 		server.use(
 			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-				HttpResponse.json(
-					resource({
-						...analytics,
-						yearComparison: {
-							period: { from: "2025-08-01", to: "2025-08-27" },
-							totalsByCurrency: [comparison("RUB")],
-						},
-					}),
-				),
+				HttpResponse.json(resource(analytics)),
 			),
 			http.get("*/api/v1/brokerage-accounts/account-1/events", eventsRequest),
 		);
@@ -418,75 +395,12 @@ describe("AccountIncomePage", () => {
 		expect(screen.queryByText("Динамика")).not.toBeInTheDocument();
 		expect(eventsRequest).not.toHaveBeenCalled();
 		expect(screen.getByRole("region", { name: "Выплаты" })).toBeInTheDocument();
-		const year = screen.getByRole("region", { name: "Годом ранее" });
-
-		const selected = within(year).getByRole("region", {
-			name: "01.08.2026 – 27.08.2026",
-		});
-
-		expect(
-			screen.getByRole("region", { name: "01.08.2025 – 27.08.2025" }),
-		).toBeInTheDocument();
-		expect(
-			screen.getByRole("heading", { name: "Предыдущий период" }),
-		).toBeVisible();
-		expect(screen.queryByText("Выбранный период")).not.toBeInTheDocument();
-		expect(screen.queryByText("Сравниваемый период")).not.toBeInTheDocument();
-		expect(
-			screen.getByRole("heading", { level: 2, name: "Годом ранее" }),
-		).toBeInTheDocument();
-		expect(screen.queryByText("Сравнения")).not.toBeInTheDocument();
-		expect(screen.queryByText("RUB", { exact: true })).not.toBeInTheDocument();
-
-		for (const amount of ["10 ₽", "2 ₽", "12 ₽"]) {
-			expect(within(selected).getByText(amount)).toBeInTheDocument();
-		}
-
-		const difference = within(year).getByRole("region", { name: "Разница" });
-
-		for (const amount of ["+9 ₽", "+2 ₽", "+11 ₽"]) {
-			expect(within(difference).getByText(amount)).toBeInTheDocument();
-		}
-
-		expect(within(difference).getByText("+900 %")).toBeInTheDocument();
-		expect(within(difference).getByText("+1 100 %")).toBeInTheDocument();
-		expect(within(difference).queryByText("нет базы")).not.toBeInTheDocument();
-		expect(within(difference).getAllByText(/%$/)).toHaveLength(2);
-		expect(
-			// eslint-disable-next-line testing-library/no-node-access -- This assertion checks DOM structure, decoration or focus behavior that semantic queries cannot establish.
-			within(difference).getByText("+2 ₽").closest("dd"),
-		).toHaveTextContent(/^\+2 ₽$/);
+		expect(screen.queryByText("Предыдущий период")).not.toBeInTheDocument();
+		expect(screen.queryByText("Годом ранее")).not.toBeInTheDocument();
+		expect(screen.queryByText(/Сравнение с/)).not.toBeInTheDocument();
 	});
 
-	it("shows the unavailable year state without falling back to the previous period", async () => {
-		const dependencies = [
-			{ ...resource(analytics).meta, role: "selected" as const },
-			{ ...resource(analytics).meta, role: "previous" as const },
-			{
-				...resource(null).meta,
-				role: "year" as const,
-				unavailableReason: "CALENDAR_OR_ACCOUNT_HISTORY",
-			},
-		];
-
-		server.use(
-			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-				HttpResponse.json(resource(analytics, { dependencies })),
-			),
-		);
-		renderPage();
-		expect(
-			await screen.findByText("Сравнение с годом ранее недоступно."),
-		).toBeInTheDocument();
-		expect(
-			screen.queryByRole("region", { name: "Годом ранее" }),
-		).not.toBeInTheDocument();
-		expect(
-			screen.getByRole("region", { name: "Предыдущий период" }),
-		).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 +409,11 @@ 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 +548,7 @@ 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 +570,13 @@ 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",
 		);
@@ -802,119 +681,3 @@ describe("income period and snapshot boundary", () => {
 		expect(screen.queryByRole("button")).not.toBeInTheDocument();
 	});
 });
-
-it.each([false, true])(
-	"shows unavailable comparisons for absent roles without positional fallback (legacy=%s)",
-	async (legacy) => {
-		server.use(
-			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-				HttpResponse.json(
-
-					resource(
-						{ ...analytics, previous: null, yearComparison: null },
-						{
-							dependencies: legacy
-								? [
-										resource(null).meta,
-										resource(null).meta,
-										resource(null).meta,
-									]
-								: [],
-						},
-					),
-				),
-			),
-		);
-		renderPage();
-		expect(
-			await screen.findByText("Сравнение с предыдущим периодом недоступно."),
-		).toBeVisible();
-		expect(
-			screen.getByText("Сравнение с годом ранее недоступно."),
-		).toBeVisible();
-		expect(
-			screen.queryByText("Период сравнения ещё не загружен полностью."),
-		).not.toBeInTheDocument();
-		expect(screen.getByRole("region", { name: "Выплаты" })).toBeVisible();
-	},
-);
-
-it("shows selected income before comparison coverage without inventing a zero baseline", async () => {
-	const dependencies = (["year", "selected", "previous"] as const).map(
-
-		role =>
-			({
-				...resource(role === "selected" ? analytics : null).meta,
-				role,
-			}),
-	);
-
-	server.use(
-		http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-			HttpResponse.json(
-
-				resource(
-					{ ...analytics, previous: null, yearComparison: null },
-					{ dependencies },
-				),
-			),
-		),
-	);
-	renderPage();
-	expect(await screen.findByRole("region", { name: "Выплаты" })).toBeVisible();
-	expect(
-		screen.queryByRole("region", { name: "Год назад" }),
-	).not.toBeInTheDocument();
-	expect(screen.getAllByText("12 ₽").length).toBeGreaterThan(0);
-	expect(
-		screen.getAllByText("Период сравнения ещё не загружен полностью."),
-	).toHaveLength(2);
-	expect(
-		screen.queryByText("Сравнение с годом ранее недоступно."),
-	).not.toBeInTheDocument();
-	expect(
-		screen.queryByRole("region", { name: "Разница" }),
-	).not.toBeInTheDocument();
-	expect(screen.getByLabelText("Период")).toBeVisible();
-});
-
-it("keeps complete previous comparison while year source failed without inventing its amounts", async () => {
-	const dependencies = [
-		{
-			...resource(analytics).meta,
-			role: "previous" as const,
-
-		},
-		{
-			...resource(null).meta,
-			role: "year" as const,
-			sync: {
-				errorCode: "TBANK_UNAVAILABLE",
-				id: null,
-				state: "failed" as const,
-			},
-		},
-		{
-			...resource(analytics).meta,
-			role: "selected" as const,
-		},
-	];
-
-	server.use(
-		http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-			HttpResponse.json(resource(analytics, { dependencies })),
-		),
-	);
-	renderPage();
-	expect(
-		await screen.findByRole("region", { name: "Предыдущий период" }),
-	).toBeVisible();
-	expect(
-		screen.getByText(
-			"Не удалось загрузить период сравнения. Повторите обновление.",
-		),
-	).toBeVisible();
-	expect(
-		screen.queryByRole("region", { name: "Годом ранее" }),
-	).not.toBeInTheDocument();
-});

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],
 	);
@@ -82,13 +76,22 @@ 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" }
-			: { state: "loading" };
-	}
+	const availability = useInitialAvailability({
+		hasContent: !!analytics.data,
+		identity: `${accountId}:${period.from}:${period.to}`,
+		isError: analytics.isError || analytics.meta?.lastAttempt.state === "failed",
+		isFetching: analytics.isFetching,
+	});
 
-	const display = toIncomeDisplayModel(analytics.data, analytics.meta);
+	if (availability === "loading" && analytics.isLoading)
+		return { state: "loading" };
+
+	if (!analytics.data)
+		return availability === "unavailable"
+			? { period, state: "error" }
+			: { state: "loading" };
+
+	const display = toIncomeDisplayModel(analytics.data);
 
 	const onSubmit = (values: IncomeForm) => {
 		const from = parseDraftDate(values.from);
@@ -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,
+		partial: analytics.meta?.completeness === "incomplete",
 		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

@@ -2,23 +2,16 @@ 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";
-import { IncomeComparisons } from "./IncomeComparisons.view";
 import { IncomePayments } from "./IncomePayments.view";
 import { IncomePeriodForm } from "./IncomePeriodForm/IncomePeriodForm.view";
 import { IncomeSummary } from "./IncomeSummary.view";
@@ -40,21 +33,14 @@ 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}
@@ -63,48 +49,10 @@ 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>
 
-			<IncomeComparisons
-				comparison={display.previousComparison}
-				notice={t(`income.${display.previousNotice}`)}
-				title={t("income.previousPeriod")}
-			/>
-
-			<IncomeComparisons
-				comparison={display.comparison}
-				notice={t(`income.${display.yearNotice}`)}
-				title={t("income.yearAgo")}
-			/>
-
 			<IncomePayments entries={display.entries} />
 		</Stack>
 	);

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

@@ -1,167 +0,0 @@
-import type { FC } from "react";
-
-import { Paper, Stack, Text, Title } from "@mantine/core";
-import { useTranslation } from "react-i18next";
-
-import { formatMoney } from "@/shared/lib";
-
-import type { IncomeDisplayModel } from "../../../model/display";
-
-import classes from "../AccountIncomePage.module.css";
-
-type ComparisonProps = NonNullable<IncomeDisplayModel["comparison"]> & {
-	title: string;
-};
-
-type ComparisonValuesProps = {
-	kind: "compared"
-		| "difference"
-		| "selected";
-	label: string;
-	percentages?: ComparisonProps["values"][number]["percentages"];
-	values: ComparisonProps["values"][number]["selected"];
-};
-
-type IncomeComparisonsProps = {
-	comparison: IncomeDisplayModel["comparison"];
-	notice: string;
-	title: string;
-};
-
-const IncomeComparisons: FC<IncomeComparisonsProps> = (props) => {
-	return (
-		<Stack>
-			<Title order={2}>{props.title}</Title>
-
-			{props.comparison
-				? <Comparison {...props.comparison} title={props.title} />
-				: (
-						<Paper className={classes.comparisonNotice} p="sm" radius="md">
-							<Text aria-live="polite" c="gray.7" role="status" size="sm">
-								{props.notice}
-							</Text>
-						</Paper>
-					)}
-		</Stack>
-	);
-};
-
-const Comparison: FC<ComparisonProps> = (props) => {
-	const { t } = useTranslation();
-
-	return (
-		<section aria-label={props.title} className={classes.comparison}>
-			<Stack gap="md">
-				{props.values.map(value => (
-					<Stack
-						aria-label={value.currency}
-						gap="xs"
-						key={value.currency}
-						role="group"
-					>
-						<div className={classes.comparisonGrid}>
-							<ComparisonValues
-								kind="selected"
-								label={props.selectedPeriod}
-								values={value.selected}
-							/>
-
-							<ComparisonValues
-								kind="compared"
-								label={props.comparedPeriod}
-								values={value.compared}
-							/>
-
-							<ComparisonValues
-								kind="difference"
-								label={t("income.difference")}
-								percentages={value.percentages}
-								values={value.difference}
-							/>
-						</div>
-					</Stack>
-				))}
-
-				{props.values.length === 0 && (
-					<Text c="gray.7" size="sm">
-						{t("income.comparisonEmpty")}
-					</Text>
-				)}
-			</Stack>
-		</section>
-	);
-};
-
-const ComparisonValues: FC<ComparisonValuesProps> = (props) => {
-	const { t } = useTranslation();
-
-	const data_tone
-		= props.kind === "difference"
-			? differenceTone(props.values.total.value)
-			: undefined;
-
-	return (
-		<section
-			aria-label={props.label}
-			className={classes.comparisonPanel}
-			data-kind={props.kind}
-			data-tone={data_tone}
-		>
-			<Text className={classes.comparisonLabel} fw={600} size="sm">
-				{props.label}
-			</Text>
-
-			<dl className={classes.comparisonValues}>
-				{(["total", "coupon", "dividend"] as const).map((key) => {
-					const money
-						// eslint-disable-next-line security/detect-object-injection -- This lookup uses a fixed typed key set, not an arbitrary external property name.
-						= props.values[key];
-
-					const percentage
-						// eslint-disable-next-line security/detect-object-injection -- This lookup uses a fixed typed key set, not an arbitrary external property name.
-						= props.percentages?.[key];
-
-					const tone
-						= props.kind === "difference"
-							? differenceTone(money.value)
-							: undefined;
-
-					const appearanceClass
-						= key === "total"
-							? classes.comparisonTotal
-							: classes.comparisonDetail;
-
-					return (
-						<div className={appearanceClass} key={key}>
-							<dt>{t(`income.${key}`)}</dt>
-
-							<dd data-tone={tone}>
-								<span>
-									{tone === "positive" ? "+" : ""}
-
-									{formatMoney(money)}
-								</span>
-
-								{!!percentage && (
-									<span className={classes.comparisonPercent}>
-										{percentage}
-									</span>
-								)}
-							</dd>
-						</div>
-					);
-				})}
-			</dl>
-		</section>
-	);
-};
-
-function differenceTone(value: string): "negative"
-	| "neutral"
-	| "positive" {
-	if (!/[1-9]/.test(value)) return "neutral";
-
-	return value.startsWith("-") ? "negative" : "positive";
-}
-
-export { IncomeComparisons };

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

@@ -1,6 +1,6 @@
 import type { FC, SubmitEventHandler } from "react";
 
-import { Button, Paper, Stack, Text } from "@mantine/core";
+import { Button, Stack } from "@mantine/core";
 import { DatePickerInput } from "@mantine/dates";
 
 import classes from "../../AccountIncomePage.module.css";
@@ -27,15 +27,8 @@ const IncomePeriodForm: FC<IncomePeriodFormProps> = (props) => {
 	} = useIncomePeriodFormVm();
 
 	return (
-		<Paper
-			component="form"
-			onSubmit={props.onSubmit}
-			p="md"
-			radius="md"
-			withBorder
-		>
+		<form onSubmit={props.onSubmit}>
 			<Stack gap="sm">
-				<Text fw={700}>{t("income.period")}</Text>
 
 				<div className={classes.fields}>
 					<DatePickerInput
@@ -71,7 +64,7 @@ const IncomePeriodForm: FC<IncomePeriodFormProps> = (props) => {
 					</Button>
 				</div>
 			</Stack>
-		</Paper>
+		</form>
 	);
 };
 

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

@@ -18,6 +18,7 @@ import {
 	LedgerEntryRow,
 } from "@/entities/broker-operation";
 import { configureAuthClient } from "@/shared/api";
+import { defaultPeriod } from "@/shared/lib";
 import { createTestQueryClient } from "@/test/query";
 import { resource } from "@/test/resource";
 import { server } from "@/test/server";
@@ -312,18 +313,20 @@ describe("AccountOperationsPage", () => {
 		"allows resetting filters after a request failure for %s",
 		async (accountId) => {
 			configureTestAuth();
+			const [defaultFrom] = defaultPeriod();
 			server.use(
 				http.get(
 					"*/api/v1/brokerage-accounts/:accountId/operations",
 					({ request }) =>
-						new URL(request.url).searchParams.has("from")
-							? HttpResponse.json({ code: "VALIDATION_ERROR" }, { status: 400 })
-							: HttpResponse.json(
+						new URL(request.url).searchParams.get("from")
+							=== `${defaultFrom}T00:00:00.000Z`
+							? HttpResponse.json(
 
 									resource(
 										{ hasNext: false, items: [], nextCursor: null },
 									),
-								),
+								)
+							: HttpResponse.json({ code: "VALIDATION_ERROR" }, { status: 400 }),
 				),
 			);
 			render(
@@ -346,7 +349,7 @@ 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();
@@ -484,15 +487,30 @@ describe("AccountOperationsPage", () => {
 		);
 		renderPage();
 		expect(
-			await screen.findByText("Не удалось загрузить журнал"),
+			await screen.findByText("Не удалось загрузить журнал", undefined, {
+				timeout: 4000,
+			}),
 		).toBeInTheDocument();
 	});
+
+	it("keeps a null operations envelope loading instead of a confirmed empty period", async () => {
+		configureTestAuth();
+		server.use(
+			http.get("*/api/v1/brokerage-accounts/:accountId/operations", () =>
+				HttpResponse.json(resource(null)),
+			),
+		);
+		renderPage();
+		expect(
+			await screen.findByRole("status", { name: "Загрузка" }, { timeout: 4000 }),
+		).toBeVisible();
+		expect(screen.queryByText("Операций нет")).not.toBeInTheDocument();
+	});
 });
 
 it("keeps UTC operation boundaries in GET and source sync requests", async () => {
 	configureTestAuth();
 	const requested: Record<string, string>[] = [];
-	const syncRequests: unknown[] = [];
 	server.use(
 		http.get(
 			"*/api/v1/brokerage-accounts/:accountId/operations",
@@ -503,9 +521,10 @@ it("keeps UTC operation boundaries in GET and source sync requests", async () =>
 					resource(
 						null,
 						{
-							sync: {
-								errorCode: "TBANK_UNAVAILABLE",
-								id: null,
+							lastAttempt: {
+								finishedAt: "2026-08-14T00:01:00Z",
+								problems: [],
+								startedAt: "2026-08-14T00:00:00Z",
 								state: "failed",
 							},
 						},
@@ -513,14 +532,9 @@ it("keeps UTC operation boundaries in GET and source sync requests", async () =>
 				);
 			},
 		),
-		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&categories=trade");
-	const retry = await screen.findByRole("button", { name: "Повторить" });
+	await screen.findByRole("button", { name: "Сбросить" });
 	expect(requested).toEqual([
 		{
 			categories: "trade",
@@ -529,20 +543,6 @@ it("keeps UTC operation boundaries in GET and source sync requests", async () =>
 			to: "2024-03-01T23:59:59.999Z",
 		},
 	]);
-	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 () => {
@@ -558,7 +558,7 @@ it("does not label incomplete empty operations as a confirmed empty period", asy
 						items: [],
 						nextCursor: null,
 					},
-					{ availability: "partial" },
+					{ completeness: "incomplete" },
 				),
 			),
 		),
@@ -595,7 +595,6 @@ 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

@@ -2,6 +2,8 @@ import { useQueryClient } from "@tanstack/react-query";
 import { useState } from "react";
 import { useParams } from "react-router";
 
+import type { InvestmentResourceMeta } from "@/shared/api";
+
 import {
 	type BrokerageOperation,
 	brokerageOperationsQueryOptions,
@@ -11,7 +13,13 @@ 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 {
+	defaultPeriod,
+	isValidPeriod,
+	moscowDate,
+	useInitialAvailability,
+	useUrlPeriod,
+} from "@/shared/lib";
 
 const operationCategorySet = new Set<string>(operationCategories);
 
@@ -24,21 +32,19 @@ type AccountOperationsPageViewModel
 		hasPrevious: boolean;
 		historyLoading?: boolean;
 		items: BrokerageOperation[];
-		lastSuccessfulAt?: null | string;
+		maxDate: string;
 		onApply: () => void;
 		onCategoriesChange: (value: string[]) => void;
 		onNext: () => void;
 		onPeriodChange: (value: [null | string, null | string]) => void;
+		onPeriodPopoverOpen: () => void;
 		onPrevious: () => void;
 		onReset: () => void;
 		partial?: boolean;
-		refreshError?: boolean;
-		refreshing?: boolean;
-		retry?: () => void;
-		sourceError?: boolean;
+		source?: InvestmentResourceMeta;
 		state: "loaded";
 	}
-	| { onReset: () => void; retry: () => void; state: "error" }
+	| { onReset: () => void; state: "error" }
 	| { state: "loading" };
 
 const useAccountOperationsPageVm = (): AccountOperationsPageViewModel => {
@@ -66,6 +72,8 @@ const useAccountOperationsPageVm = (): AccountOperationsPageViewModel => {
 	const [draftCategories, setDraftCategories]
 		= useState<OperationCategory[]>(appliedCategories);
 
+	const [maxDate, setMaxDate] = useState(() => moscowDate(new Date()));
+
 	const firstPageQuery = {
 		from: dateStart(appliedFrom),
 		to: dateEnd(appliedTo),
@@ -85,37 +93,52 @@ 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?.lastAttempt.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]);
+		setDraftPeriod([appliedFrom, appliedTo]);
 		setDraftCategories([]);
 		setSearchParameters({});
 		history.reset();
 		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?.lastAttempt.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 +156,7 @@ const useAccountOperationsPageVm = (): AccountOperationsPageViewModel => {
 			operations.meta?.coverage?.historyState === "loading"
 			|| operations.meta?.coverage?.historyState === "partial",
 		items: operations.data.items,
-		lastSuccessfulAt: operations.meta?.lastSuccessfulAt,
+		maxDate,
 		onApply: () => {
 			if (!isValidPeriod(draftFrom, draftTo)) return;
 			setSearchParameters({
@@ -151,14 +174,14 @@ const useAccountOperationsPageVm = (): AccountOperationsPageViewModel => {
 			),
 		),
 		onNext: history.onNext,
-		onPeriodChange: setDraftPeriod,
+		onPeriodChange: value => setDraftPeriod(
+			value[0] === null && value[1] === null ? defaultPeriod() : value,
+		),
+		onPeriodPopoverOpen: () => setMaxDate(moscowDate(new Date())),
 		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,
+		partial: operations.meta?.completeness === "incomplete",
+		source: operations.meta,
 		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";
@@ -62,43 +61,29 @@ 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>
+			<SourceSyncStatus
+				lastAttempt={props.source?.lastAttempt}
+				lastSuccessfulAt={props.source?.lastSuccessfulAt}
+				stale={props.source?.freshness === "stale"}
+			/>
 
 			{!!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
 					clearable
 					clearButtonProps={{ "aria-label": t("ledger.clearPeriod") }}
 					label={t("ledger.period")}
+					maxDate={props.maxDate}
 					onChange={props.onPeriodChange}
 					popoverProps={{
 						middlewares: { shift: { crossAxis: true } },
+						onOpen: props.onPeriodPopoverOpen,
 						returnFocus: true,
 					}}
 					type="range"

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;
 
@@ -48,29 +46,26 @@ type PreviewResource<T> = {
 	isError: boolean;
 	meta?: Pick<InvestmentResourceMeta,
 	"availability"
+	| "completeness"
 	| "freshness"
+	| "lastAttempt"
 	| "lastSuccessfulAt"
-	| "sync"
 	>;
 };
 
 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")
+	if (!income.data && !income.isError && income.meta?.lastAttempt.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 };
+	if (income.meta?.completeness === "incomplete") return { state: "partial", to };
+	if (!income.data && (income.isError || income.meta?.lastAttempt.state === "failed"))
+		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,
@@ -82,24 +77,21 @@ function toRecentEvents(
 	events: PreviewResource<{ events: BrokerageEvent[] }>,
 ): AccountPageRecentEvents {
 	const to = `/accounts/${accountId}/events`;
-	if (!events.data && !events.isError && events.meta?.sync.state !== "failed")
+	if (!events.data && !events.isError && events.meta?.lastAttempt.state !== "failed")
 		return { state: "loading", to };
-	if (events.meta?.availability === "partial")
+	if (events.meta?.completeness === "incomplete")
 		return {
 			items: events.data?.events.slice(0, RECENT_EVENTS_LIMIT) ?? [],
 			state: "partial",
 			to,
 		};
-	if (!events.data && (events.isError || events.meta?.sync.state === "failed"))
+	if (!events.data && (events.isError || events.meta?.lastAttempt.state === "failed"))
 		return { state: "error", to };
 	const items = events.data?.events.slice(0, RECENT_EVENTS_LIMIT) ?? [];
 	if (items.length === 0) return { state: "empty", to };
 
 	return {
 		items,
-		lastSuccessfulAt: events.meta?.lastSuccessfulAt,
-		refreshError: events.isError || events.meta?.sync.state === "failed",
-		stale: events.meta?.freshness === "stale",
 		state: "loaded",
 		to,
 	};
@@ -113,14 +105,14 @@ function toRecentOperations(
 	if (
 		!operations.data
 		&& !operations.isError
-		&& operations.meta?.sync.state !== "failed"
+		&& operations.meta?.lastAttempt.state !== "failed"
 	)
 		return { state: "loading", to };
-	if (operations.meta?.availability === "partial")
+	if (operations.meta?.completeness === "incomplete")
 		return { items: operations.data?.items ?? [], state: "partial", to };
 	if (
 		!operations.data
-		&& (operations.isError || operations.meta?.sync.state === "failed")
+		&& (operations.isError || operations.meta?.lastAttempt.state === "failed")
 	)
 		return { state: "error", to };
 	if (!operations.data?.items.length) return { state: "empty", to };
@@ -129,7 +121,7 @@ function toRecentOperations(
 		items: operations.data.items,
 		lastSuccessfulAt: operations.meta?.lastSuccessfulAt,
 		refreshError:
-			operations.isError || operations.meta?.sync.state === "failed",
+			operations.isError || operations.meta?.lastAttempt.state === "failed",
 		stale: operations.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(
@@ -399,17 +402,59 @@ describe("AccountPage states", () => {
 		).toBeInTheDocument();
 	});
 
+	it("keeps a null portfolio envelope loading instead of an empty portfolio", async () => {
+		server.use(
+			http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
+				HttpResponse.json(resource(null)),
+			),
+		);
+		const queryClient = createTestQueryClient();
+		renderAccountRoute(queryClient);
+
+		expect(
+			await screen.findByRole("status", { name: "Загрузка" }, { timeout: 4000 }),
+		).toBeVisible();
+		expect(screen.queryByText("Портфель пока пуст")).not.toBeInTheDocument();
+		expect(
+			queryClient.getQueryData(portfolioQueryOptions("account-1").queryKey),
+		).toMatchObject({ data: null });
+	});
+
+	it("keeps null events and income envelopes loading in the previews", async () => {
+		server.use(
+			http.get("*/api/v1/brokerage-accounts/:accountId/events", () =>
+				HttpResponse.json(resource(null)),
+			),
+			http.get("*/api/v1/brokerage-accounts/:accountId/income-summary", () =>
+				HttpResponse.json(resource(null)),
+			),
+		);
+		renderAccountRoute(createTestQueryClient());
+
+		expect(
+			await screen.findByText("Портфель пока пуст", undefined, {
+				timeout: 4000,
+			}),
+		).toBeVisible();
+		expect(
+			screen.getByRole("status", { name: "Загрузка будущих событий" }),
+		).toBeVisible();
+		expect(
+			screen.queryByText("На ближайшие 30 дней событий не найдено."),
+		).not.toBeInTheDocument();
+		expect(screen.getByText("Загрузка дохода текущего месяца")).toBeVisible();
+		expect(screen.queryByText("Нет текущих сумм")).not.toBeInTheDocument();
+	});
+
 	it("renders a stale portfolio in upstream order with nullable values hidden", () => {
 		renderPage(<AccountPageLoaded {...loadedProps()} />);
 
 		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 +618,7 @@ describe("AccountPage states", () => {
 		);
 
 		expect(
-			screen.getByText("Не удалось загрузить последние события."),
+			screen.getByText("Пока недоступно"),
 		).toBeInTheDocument();
 		expect(screen.getByText("Вторая")).toBeInTheDocument();
 	});
@@ -685,7 +730,7 @@ describe("AccountPage states", () => {
 		).toBeVisible();
 		for (const amount of ["850,50 ₽", "0 USD", "1 000 ₽", "Сумма неизвестна"])
 			expect(content.getByText(amount)).toBeVisible();
-		expect(content.getAllByText("Ожидаемая сумма")).toHaveLength(4);
+		expect(content.getAllByText("Прогноз")).toHaveLength(4);
 		expect(content.queryByText("Без движения денег")).not.toBeInTheDocument();
 		expect(content.queryByText(/^\+/)).not.toBeInTheDocument();
 		expect(
@@ -742,13 +787,13 @@ 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
 				= {
@@ -769,28 +814,6 @@ describe("AccountPage states", () => {
 			let requestCount = 0;
 			let resolveRetry: ((response: Response) => void) | undefined;
 			server.use(
-				http.post("*/api/v1/tbank-sync", () =>
-					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: { accountId: "account-1", screen: "account" },
-							state: "succeeded",
-						},
-					),
-				),
 				http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () => {
 					requestCount += 1;
 					if (requestCount === 1)
@@ -821,40 +844,30 @@ 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 +888,7 @@ 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 +929,12 @@ 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 }),
 			),
 		);
 
@@ -173,14 +173,14 @@ it("keeps overview sections independent when their source data is incomplete", a
 	mockLoadedAccountPage();
 	server.use(
 		http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
-			HttpResponse.json(resource(portfolio, { availability: "partial" })),
+			HttpResponse.json(resource(portfolio, { completeness: "incomplete" })),
 		),
 		http.get("*/api/v1/brokerage-accounts/:accountId/operations", () =>
 			HttpResponse.json(
 
 				resource(
 					{ hasNext: false, items: [], nextCursor: null },
-					{ availability: "partial" },
+					{ completeness: "incomplete" },
 				),
 			),
 		),
@@ -188,7 +188,7 @@ it("keeps overview sections independent when their source data is incomplete", a
 			HttpResponse.json(
 				resource(
 					{ events: [], incomeTotalsByCurrency: [] },
-					{ availability: "partial" },
+					{ completeness: "incomplete" },
 				),
 			),
 		),
@@ -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

@@ -1,6 +1,7 @@
 import { useParams } from "react-router";
 
 import type { Portfolio } from "@/entities/portfolio";
+import type { InvestmentResourceMeta } from "@/shared/api";
 
 import { useBrokerageOperations } from "@/entities/broker-operation";
 import {
@@ -13,7 +14,8 @@ 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 +37,6 @@ type AccountPageContent = {
 	partial?: boolean;
 	recentEvents: AccountPageRecentEvents;
 	recentOperations: AccountPageRecentOperations;
-	refreshError: boolean;
-	refreshing: boolean;
-	retry: () => Promise<unknown> | undefined;
-	sourceError?: boolean;
 };
 
 type AccountPageEmptyViewModel = AccountPageContent & {
@@ -48,15 +46,23 @@ type AccountPageEmptyViewModel = AccountPageContent & {
 type AccountPageLoadedViewModel = AccountPageContent & {
 	portfolio: Portfolio;
 	positionSections: AccountPagePositionSection[];
+	source?: InvestmentResourceMeta;
 	state: "loaded";
 };
 
 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 +75,7 @@ function useAccountPageViewModel(): AccountPageViewModel {
 	const income = useIncomeSummary(accountId);
 	const accounts = useBrokerageAccounts();
 
-	const sync = useScreenSync({ accountId, screen: "account" }, [
+	useScreenSync({ accountId, screen: "account" }, [
 		accounts,
 		portfolio,
 		operations,
@@ -77,35 +83,31 @@ 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?.lastAttempt.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"
+		portfolio.meta?.availability === "available"
 		&& portfolio.data.positions.length === 0
 		&& portfolio.data.cashBalances.length === 0
 	)
@@ -116,19 +118,21 @@ function useAccountPageViewModel(): AccountPageViewModel {
 			recentEvents,
 			recentOperations,
 			state: "empty" as const,
-			...refresh,
 		};
 
+	const isPartial = portfolio.meta?.completeness === "incomplete";
+
 	return {
 		account,
 		accountId,
 		incomeSummary,
+		partial: isPartial,
 		portfolio: portfolio.data,
 		positionSections: toAccountPagePositionSections(portfolio.data),
 		recentEvents,
 		recentOperations,
+		source: portfolio.meta,
 		state: "loaded" as const,
-		...refresh,
 	};
 }
 

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

@@ -7,7 +7,7 @@ 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 { PortfolioStructure } from "@/widgets/portfolio-structure";
 
 import type {
 	AccountPageIncomeSummary,
@@ -17,7 +17,6 @@ import type {
 
 import { AccountHeading } from "./AccountHeading.view";
 import { IncomeSummary } from "./IncomeSummary.view";
-import { PortfolioStructure } from "./PortfolioStructure/PortfolioStructure";
 import { RecentOperations } from "./RecentOperations.view";
 
 type AccountPageEmptyProps = {
@@ -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")}
 		/>
 	);
 };