chore(release): 1.2.0

Reviewed-on: #80

.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
 

.ai/conventions/engineering.md

@@ -71,6 +71,7 @@ Peer-конфликт решай совместимыми версиями бе
 | 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
@@ -88,4 +89,9 @@ Commits и PR titles — Conventional Commits с parser-recognized Issue referen
 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/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"

.husky/pre-commit

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

CHANGELOG.md

@@ -1,5 +1,44 @@
 # Changelog
 
+## [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

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.
+staged diff с полной редакцией секретов, затем запускает установленный
-Находка или отсутствие Gitleaks блокирует commit.
+`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
@@ -214,36 +217,59 @@ preset по имени из `.release-it.json`. Версия preset закреп
 Репозиторий выпускается независимо. `develop` — интеграция, `main` — принятые
 релизы. Обычная работа: issue-linked ветка от актуального `develop`, PR в `develop`;
 общие правила — в Engineering Workflow по ссылке из AGENTS.
-Обычные PR допускают squash; release и обратная синхронизация сохраняют историю.
+PR сливается squash или rebase-merge; merge-коммит не используется. `main`
+обновляется только fast-forward из `develop`, поэтому история линейна:
+
+```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`. Убедись, что
+1. Получи `main`, `develop` и теги: `git fetch origin --tags`. Проверь
-   `develop` содержит последний релиз. Создай `release/<name>` от проверенного
+   инвариант. Создай `release/X.Y.Z` от проверенного `develop`;
-   `develop`; `nvm use --silent`, `npm ci`. Hotfix начинается от `main` в
+   `nvm use --silent`, `npm ci`.
-   `release/hotfix-<name>` и проходит тот же процесс.
 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
+   открой PR в **`develop`** с заголовком `chore(release): X.Y.Z`. После зелёных
-   `verify`, `security`, `commits` выполни fast-forward-only merge. Если `main`
+   `verify`, `security`, `commits` выполни fast-forward-only merge. Если
-   изменился, согласуй историю и повтори проверки кандидата.
+   `develop` изменился, обнови release-ветку и повтори проверки кандидата.
-4. Получи удалённый `main`, сравни его HEAD с проверенным release SHA и версией
+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
+Обратная синхронизация не нужна: release-коммит попал в `develop` на шаге 3.
-   merge создай отсутствующий тег без нового bump; до merge исправь и проверь
+Опубликованные теги не перемещай. При сбое после merge создай отсутствующий тег
-   существующий кандидат без повторного повышения версии.
+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.
 

package-lock.json

@@ -1,12 +1,12 @@
 {
 	"name": "wealth-ledger-frontend",
-	"version": "1.1.0",
+	"version": "1.2.0",
 	"lockfileVersion": 3,
 	"requires": true,
 	"packages": {
 		"": {
 			"name": "wealth-ledger-frontend",
-			"version": "1.1.0",
+			"version": "1.2.0",
 			"workspaces": [
 				"packages/*"
 			],

package.json

@@ -1,7 +1,7 @@
 {
 	"name": "wealth-ledger-frontend",
 	"private": true,
-	"version": "1.1.0",
+	"version": "1.2.0",
 	"type": "module",
 	"engines": {
 		"node": "24.21.0"
@@ -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",

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);

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/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.view.tsx

@@ -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;
@@ -17,9 +18,10 @@ const CATEGORY_COLUMNS = 2;
 type BankSummaryViewProps = {
 	all?: boolean;
 	data?: BankSummary;
-	error: boolean;
+	error: unknown;
 	fetching: boolean;
 	loading: boolean;
+	retry?: () => void;
 };
 
 const BankSummaryViewCategories: FC<BankSummaryViewProps> = (props) => {
@@ -122,7 +124,14 @@ const BankSummaryView: FC<BankSummaryViewProps> = (props) => {
 
 			<BankSummaryViewCategories {...props} />
 
-			{props.error && !props.data && <Text role="alert">{t("bank.error")}</Text>}
+			{Boolean(props.error) && (
+				<BankFeedback
+					cached={Boolean(props.data)}
+					error={props.error}
+					loadingError={!props.data}
+					retry={props.retry}
+				/>
+			)}
 		</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/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-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/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/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 =>
+		value => new TextEncoder().encode(value).length <= MAX_PASSWORD_BYTES,
-			new TextEncoder().encode(value).length >= MIN_PASSWORD_BYTES
+		{ error: validationMessage("auth.validation.passwordTooLong") },
-				&& new TextEncoder().encode(value).length <= MAX_PASSWORD_BYTES,
-		{ error: validationMessage("auth.validation.invalidPasswordLength") },
 	);
 
+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(
+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/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">
+						{switchLink}
-							{t(register ? "auth.haveAccount" : "auth.noAccount")}
-						</Button>
 					</Stack>
 				</Fieldset>
 			</form>

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

@@ -78,4 +78,35 @@ describe("read-only screen synchronization", () => {
 		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 {
+			const { result, unmount } = renderHook(() =>
+				useScreenSync({ screen: "accounts" }, [resource]),
+			);
+
+			await act(async () => {
+				await result.current.refresh();
+				await result.current.retry();
+			});
+			await act(() => vi.advanceTimersByTime(1_800_000));
+
+			expect(refetch).not.toHaveBeenCalled();
+			unmount();
+		}
+		finally {
+			vi.useRealTimers();
+		}
+	});
 });

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

@@ -5,6 +5,7 @@ import { useEffect, useRef } from "react";
 import type { InvestmentResourceMeta } from "@/shared/api";
 
 type ScreenResource = {
+	isEnabled: boolean;
 	isError: boolean;
 	isFetching: boolean;
 	meta?: InvestmentResourceMeta;
@@ -27,23 +28,31 @@ function useScreenSync(_scope: ScreenScope, resources: ScreenResource[]) {
 
 	useEffect(() => {
 		const timer = setInterval(() => {
-			for (const resource of resourcesRef.current)
+			for (const resource of resourcesRef.current) {
+				if (!resource.isEnabled || resource.isFetching) continue;
 				void resource.refetch().catch(() => {});
+			}
 		}, READ_INTERVAL_MS);
 
 		return () => clearInterval(timer);
 	}, []);
 
-	const isRefreshing = resources.some(resource => resource.isFetching);
+	const isRefreshing = resources.some(
+		resource => resource.isEnabled && resource.isFetching,
+	);
+
+	const eligible = resources.filter(
+		resource => resource.isEnabled && !resource.isFetching,
+	);
 
 	const refresh = async () => {
 		if (isRefreshing) return;
-		await Promise.allSettled(resources.map(resource => resource.refetch()));
+		await Promise.allSettled(eligible.map(resource => resource.refetch()));
 	};
 
 	// 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);
 
 		if (failed.length > 0)
 			await Promise.allSettled(failed.map(resource => resource.refetch()));

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

@@ -20,7 +20,7 @@ import {
 import { beforeEach, describe, expect, it, vi } from "vitest";
 
 import { configureAuthClient } from "@/shared/api";
-import { defaultPeriod, formatDate } from "@/shared/lib";
+import { defaultPeriod, formatDate, moscowDate } from "@/shared/lib";
 import { createTestQueryClient } from "@/test/query";
 import { resource } from "@/test/resource";
 import { server } from "@/test/server";
@@ -253,37 +253,58 @@ describe("Upcoming event date filters", () => {
 			expect(from).toHaveTextContent("01.02.2026 – 28.02.2026");
 			expect(screen.getByRole("button", { name: "Применить" })).toBeDisabled();
 			expect(searches).toEqual(["?from=2026-02-01&to=2026-02-28"]);
-			fireEvent.click(from);
+
+			// 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} ${date.slice(0, 4)}`;
+
+				// Dates are constructed above from validated defaultPeriod output.
+				// eslint-disable-next-line security/detect-non-literal-regexp -- see comment above
+				return new RegExp(pattern, "i");
+			};
+
+			fireEvent.click(picker);
 			fireEvent.click(
-				await screen.findByRole("button", { name: /10 February 2026/i }),
+				await screen.findByRole("button", { name: calendarLabel(today) }),
 			);
 			fireEvent.click(
-				await screen.findByRole("button", { name: /28 February 2026/i }),
+				await screen.findByRole("button", { name: calendarLabel(future) }),
 			);
-			expect(searches).toHaveLength(1);
+			// The reset itself fetched the default range; picking dates applies only on submit.
+			expect(searches).toEqual([
+				"?from=2026-02-01&to=2026-02-28",
+				`?from=${defaultFrom}&to=${defaultTo}`,
+			]);
 			fireEvent.click(screen.getByRole("button", { name: "Применить" }));
 			await waitFor(() =>
-				expect(searches.at(-1)).toBe("?from=2026-02-10&to=2026-02-28"),
+				expect(searches.at(-1)).toBe(`?from=${today}&to=${future}`),
 			);
 			expect(await screen.findByLabelText("Период")).toHaveTextContent(
-				"10.02.2026 – 28.02.2026",
+				`${formatDate(today)} – ${formatDate(future)}`,
 			);
 			fireEvent.click(screen.getByRole("button", { name: "History back" }));
 			await waitFor(() =>
 				expect(screen.getByLabelText("Период")).toHaveTextContent(
-					"01.02.2026 – 28.02.2026",
+					`${formatDate(defaultFrom)} – ${formatDate(defaultTo)}`,
 				),
 			);
-			expect(screen.getByLabelText("URL")).toHaveTextContent(
+			expect(screen.getByLabelText("URL")).toBeEmptyDOMElement();
-				"?from=2026-02-01&to=2026-02-28",
-			);
-			fireEvent.click(screen.getByRole("button", { name: "Сбросить" }));
-			await waitFor(() =>
-				expect(searches.at(-1)).toBe(`?from=${defaultFrom}&to=${defaultTo}`),
-			);
-			expect(await screen.findByLabelText("Период")).toHaveTextContent(
-				`${formatDate(defaultFrom)} – ${formatDate(defaultTo)}`,
-			);
 			expect(screen.getByRole("button", { name: "Применить" })).toBeDisabled();
 			expect(
 				screen.getByText("За выбранный период событий не найдено"),

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

@@ -156,7 +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",
@@ -211,4 +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

@@ -21,7 +21,7 @@ type AccountEventsPageViewModel
 		canApply: boolean;
 		draftPeriod: [null | string, null | string];
 		events: BrokerageEvent[];
-		maxDate: string;
+		minDate: string;
 		onApply: () => void;
 		onPeriodChange: (value: [null | string, null | string]) => void;
 		onPeriodPopoverOpen: () => void;
@@ -49,7 +49,7 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 
 	const [draftFrom, draftTo] = draftPeriod;
 
-	const [maxDate, setMaxDate] = useState(() => moscowDate(new Date()));
+	const [minDate, setMinDate] = useState(() => moscowDate(new Date()));
 
 	const scope = JSON.stringify([accountId, appliedFrom, appliedTo]);
 	const [previousScope, setPreviousScope] = useState(scope);
@@ -105,7 +105,7 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 			&& isValidPeriod(draftFrom, draftTo),
 		draftPeriod,
 		events: events.data.events,
-		maxDate,
+		minDate,
 		onApply: () => {
 			if (!isValidPeriod(draftFrom, draftTo)) return;
 			setSearchParameters({
@@ -116,7 +116,7 @@ function useAccountEventsPageViewModel(): AccountEventsPageViewModel {
 		onPeriodChange: value => setDraftPeriod(
 			value[0] === null && value[1] === null ? defaultPeriod() : value,
 		),
-		onPeriodPopoverOpen: () => setMaxDate(moscowDate(new Date())),
+		onPeriodPopoverOpen: () => setMinDate(moscowDate(new Date())),
 		onReset,
 		partial: events.meta?.completeness === "incomplete",
 		source: events.meta,

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

@@ -72,7 +72,7 @@ const AccountEventsPageLoaded: FC<AccountEventsPageLoadedProps> = (props) => {
 					clearable
 					clearButtonProps={{ "aria-label": t("ledger.clearPeriod") }}
 					label={t("ledger.period")}
-					maxDate={props.maxDate}
+					minDate={props.minDate}
 					onChange={props.onPeriodChange}
 					popoverProps={{
 						middlewares: { shift: { crossAxis: true } },

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

@@ -2,168 +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 = {
+describe("income payments display", () => {
-	accountId: "account-1",
+	it("keeps repeated IDs, order and logo revisions without reconstructing financial data", () => {
-	bucketGranularity: "day",
+		const payment = {
-	buckets: [],
+			id: "same",
-	calculatedAt: "2026-08-27T00:00:00Z",
+			instrumentKey: "bond:RUB",
-	entries: [],
+			logoName: null,
-	instruments: [],
+		} as IncomeAnalytics["entries"][number];
-	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,
-};
 
-function comparison(currency: string) {
+		const analytics = {
-	return {
+			entries: [payment, payment, { ...payment, logoName: "bond.png" }],
-		compared: summary(currency, "1", "0"),
+		} as IncomeAnalytics;
-		currency,
-		difference: summary(currency, "9", "2"),
-		selected: summary(currency, "10", "2"),
-	};
-}
 
-function money(currency: string, value: string) {
+		const display = toIncomeDisplayModel(analytics);
-	return { currency, value };
-}
 
-function summary(currency: string, coupon: string, dividend: string) {
+		expect(display.entries.map(({ operation }) => operation)).toEqual(
-	return {
+			analytics.entries,
-		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?.comparison?.comparedPeriod.replaceAll(/\s/g, " ")).toBe(
+		expect(new Set(display.entries.map(({ key }) => key)).size).toBe(3);
-			"01.12.2024 – 09.01.2025",
-		);
-		expect(display?.comparison?.values.map(value => value.currency)).toEqual([
-			"RUB",
-			"USD",
-		]);
 	});
 });
-
-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,
-			lastAttempt: {
-				finishedAt: "2026-08-14T00:01:00Z",
-				problems: [],
-				startedAt: "2026-08-14T00:00:00Z",
-				state: "failed" as const,
-			},
-			resourceKey: "opaque/year-looking-key",
-			role: "previous" 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 type { IncomeAnalytics } from "@/entities/income";
-
-import { formatDate } from "@/shared/lib";
-
-import type { IncomePeriod } from "./period";
-
-type ComparisonNotice
-	= | "comparisonFailed"
-		| "comparisonPending"
-		| "previousUnavailable"
-		| "yearUnavailable";
 
 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.lastAttempt.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 ?? [];
+	return { entries };
-	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"),
-	};
 }
 
 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,
@@ -328,6 +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
 			= {
@@ -372,19 +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(
+				HttpResponse.json(resource(analytics)),
-					resource({
-						...analytics,
-						yearComparison: {
-							period: { from: "2025-08-01", to: "2025-08-27" },
-							totalsByCurrency: [comparison("RUB")],
-						},
-					}),
-				),
 			),
 			http.get("*/api/v1/brokerage-accounts/account-1/events", eventsRequest),
 		);
@@ -399,72 +395,9 @@ 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" });
+		expect(screen.queryByText("Предыдущий период")).not.toBeInTheDocument();
-
+		expect(screen.queryByText("Годом ранее")).not.toBeInTheDocument();
-		const selected = within(year).getByRole("region", {
+		expect(screen.queryByText(/Сравнение с/)).not.toBeInTheDocument();
-			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(/%$/)).toHaveLength(2);
-		expect(
-			// eslint-disable-next-line testing-library/no-node-access -- This assertion checks DOM structure, decoration or focus behavior that semantic queries cannot establish.
-			within(difference).getByText("+2 ₽").closest("dd"),
-		).toHaveTextContent(/^\+2 ₽$/);
-	});
-
-	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 quiet realized error", async () => {
@@ -748,120 +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,
-			lastAttempt: {
-				finishedAt: "2026-08-14T00:01:00Z",
-				problems: [],
-				startedAt: "2026-08-14T00:00:00Z",
-				state: "failed" as const,
-			},
-			role: "year" 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

@@ -91,7 +91,7 @@ const useAccountIncomePageViewModel = (): AccountIncomePageViewModel => {
 			? { period, state: "error" }
 			: { state: "loading" };
 
-	const display = toIncomeDisplayModel(analytics.data, analytics.meta);
+	const display = toIncomeDisplayModel(analytics.data);
 
 	const onSubmit = (values: IncomeForm) => {
 		const from = parseDraftDate(values.from);

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

@@ -12,7 +12,6 @@ import { useTranslation } from "react-i18next";
 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";
@@ -54,18 +53,6 @@ const AccountIncomePageLoaded: FC<LoadedProps> = (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
+		<form onSubmit={props.onSubmit}>
-			component="form"
-			onSubmit={props.onSubmit}
-			p="md"
-			radius="md"
-			withBorder
-		>
 			<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

@@ -492,6 +492,20 @@ describe("AccountOperationsPage", () => {
 			}),
 		).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 () => {

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

@@ -402,6 +402,50 @@ 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()} />);
 
@@ -686,7 +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(

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

@@ -88,7 +88,6 @@ const quote
 function setup(
 	options: {
 		ambiguousTicker?: boolean;
-		failBond?: boolean;
 		failCoupons?: boolean;
 		noPosition?: boolean;
 		path?: string;
@@ -100,11 +99,7 @@ function setup(
 	const resolved = { ...bond, slug: options.slug ?? uid };
 	let isFailQuote = false;
 	server.use(
-		http.get("*/api/v1/bonds/:uid", () =>
+		http.get("*/api/v1/bonds/:uid", () => HttpResponse.json(resource(resolved))),
-			options.failBond
-				? HttpResponse.json({ code: "NOT_FOUND" }, { status: 404 })
-				: HttpResponse.json(resource(resolved)),
-		),
 		http.get("*/api/v1/bonds/by-ticker/:ticker", ({ request }) => {
 			requests.push(new URL(request.url));
 

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

@@ -191,8 +191,10 @@ const BondPageView: FC<BondPageViewProps> = (props) => {
 
 			<BondCoupons
 				coupons={vm.coupons}
+				logoName={bond.logoName}
 				pastCoupons={vm.pastCoupons}
 				state={vm.couponsState}
+				ticker={bond.ticker}
 				upcoming={vm.upcoming}
 			/>
 

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

@@ -1,17 +1,20 @@
 import type { FC } from "react";
 
-import { Accordion, Alert, Badge, Group, Paper, Stack, Text } from "@mantine/core";
+import { Accordion, Alert, Badge, Group, Stack, Text } from "@mantine/core";
 import { useTranslation } from "react-i18next";
 
 import type { BondCoupons as Coupons } from "@/entities/bond";
 
-import { InstrumentMetric, InstrumentSection, type SectionState } from "@/features/instrument-details";
+import { InstrumentSection, type SectionState } from "@/features/instrument-details";
-import { formatDate, formatMoney, formatSnapshotTime } from "@/shared/lib";
+import { formatDate, formatSnapshotTime, instrumentLogoUrl } from "@/shared/lib";
+import { PayoutCard } from "@/shared/ui";
 
 type BondCouponsProps = {
 	coupons?: Coupons;
+	logoName?: null | string;
 	pastCoupons: Coupons["coupons"];
 	state: SectionState;
+	ticker?: null | string;
 	upcoming: Coupons["coupons"];
 };
 
@@ -39,6 +42,8 @@ const BondCoupons: FC<BondCouponsProps> = (props) => {
 									<Coupon
 										coupon={coupon}
 										key={`${coupon.number}:${coupon.paymentDate}`}
+										logoName={props.logoName}
+										ticker={props.ticker}
 									/>
 								))
 							)
@@ -75,6 +80,8 @@ const BondCoupons: FC<BondCouponsProps> = (props) => {
 													<Coupon
 														coupon={coupon}
 														key={`${coupon.number}:${coupon.paymentDate}`}
+														logoName={props.logoName}
+														ticker={props.ticker}
 													/>
 												))
 											)
@@ -91,59 +98,48 @@ const BondCoupons: FC<BondCouponsProps> = (props) => {
 
 type CouponProps = {
 	coupon: Coupons["coupons"][number];
+	logoName?: null | string;
+	ticker?: null | string;
 };
 
 const Coupon: FC<CouponProps> = (props) => {
 	const { coupon } = props;
 	const { t } = useTranslation();
+	const title = `${t("events.type.coupon")} · ${props.ticker || t("bond.instrument")}`;
 
-	return (
+	const metadata = [
-		<Paper p="md" radius="md" withBorder>
+		coupon.paymentDate ? formatDate(coupon.paymentDate) : t("stock.dateUnknown"),
-			<Group align="start" justify="space-between">
+		t("bond.couponNumber", { number: coupon.number ?? t("bond.unknown") }),
-				<div>
+	].join(" · ");
-					<Text fw={600}>
-						{coupon.paymentDate
-							? formatDate(coupon.paymentDate)
-							: t("stock.dateUnknown")}
-					</Text>
-
-					<Text c="dimmed" size="xs">
-						{t("bond.couponNumber", {
-							number: coupon.number ?? t("bond.unknown"),
-						})}
-					</Text>
-				</div>
-
-				<InstrumentMetric label={t("bond.perBond")} value={formatMoney(coupon.perBond)} />
-
-				{!!coupon.estimatedAmount && (
-					<InstrumentMetric
-						label={t("stock.yourEstimate")}
-						value={formatMoney(coupon.estimatedAmount)}
-					/>
-				)}
-			</Group>
 
+	const conditions = (
 		<Group gap="md" mt="sm">
 			<Badge color="gray" variant="light">
-					{t(`bond.couponTypes.${coupon.couponType}`, {
+				{t(`bond.couponTypes.${coupon.couponType}`, { defaultValue: t("bond.unknown") })}
-						defaultValue: t("bond.unknown"),
-					})}
 			</Badge>
 
 			{coupon.periodDays != undefined && (
-					<Text c="dimmed" size="xs">
+				<Text c="dimmed" size="xs">{t("bond.couponDays", { count: coupon.periodDays })}</Text>
-						{t("bond.couponDays", { count: coupon.periodDays })}
-					</Text>
 			)}
 
-				{!!coupon.recordDate && (
+			{coupon.recordDate && (
-					<Text c="dimmed" size="xs">
+				<Text c="dimmed" size="xs">{t("stock.record")}: {formatDate(coupon.recordDate)}</Text>
-						{t("stock.record")}: {formatDate(coupon.recordDate)}
-					</Text>
 			)}
 		</Group>
-		</Paper>
+	);
+
+	return (
+		<PayoutCard
+			conditions={conditions}
+			estimate={coupon.estimatedAmount}
+			imageSrc={instrumentLogoUrl(props.logoName)}
+			initial={(props.ticker?.trim()[0] ?? "?").toUpperCase()}
+			kind="schedule"
+			metadata={metadata}
+			perSecurity={coupon.perBond}
+			perSecurityLabel={t("bond.perBond")}
+			title={title}
+		/>
 	);
 };
 

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

@@ -17,6 +17,7 @@ import { useTranslation } from "react-i18next";
 import { Link } from "react-router";
 
 import {
+	BankFeedback,
 	bankOperationAppearance,
 } from "@/entities/bank-card";
 
@@ -108,6 +109,17 @@ const CardHistory: FC<CardHistoryProps> = (props) => {
 		return <Text>{t("bank.noOperations")}</Text>;
 	}
 
+	if (vm.history.error) {
+		return (
+			<BankFeedback
+				cached={Boolean(vm.rows)}
+				error={vm.history.error}
+				loadingError={!vm.rows}
+				retry={vm.history.refetch}
+			/>
+		);
+	}
+
 	if (vm.history.loading) {
 		return (
 			<LoadingSkeleton label={t("bank.loadingHistory")}>

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

@@ -316,12 +316,47 @@ describe("CardPage", () => {
 		setup({ summaryError: true });
 		await screen.findByRole("heading", { name: "Повседневная" });
 		expect(
-			screen.queryByRole("alert"),
+			await screen.findByText("Перевод на «Запасная»"),
-		).not.toBeInTheDocument();
+		).toBeInTheDocument();
+		expect(await screen.findByRole("alert", {}, { timeout: 5000 })).toHaveTextContent(
+			"Не удалось загрузить данные карт.",
+		);
+		expect(screen.queryByText("0 ₽")).not.toBeInTheDocument();
+	});
+
+	it("recovers summary with retry while keeping card and journal", async () => {
+		const { summaryRequests } = setup({ summaryError: true });
+		await screen.findByRole("heading", { name: "Повседневная" });
 		expect(
 			await screen.findByText("Перевод на «Запасная»"),
 		).toBeInTheDocument();
-		expect(screen.queryByText("0 ₽")).not.toBeInTheDocument();
+
+		const retry = await screen.findByRole(
+			"button",
+			{ name: "Повторить" },
+			{ timeout: 5000 },
+		);
+
+		const requestsBefore = summaryRequests.length;
+		server.use(
+			http.get("*/api/v1/bank-cards/summary", ({ request }) => {
+				summaryRequests.push(new URL(request.url).search);
+
+				return HttpResponse.json({
+					cardId: "a",
+					categories: [],
+					expenses: money("0"),
+					net: money("-50"),
+					refunds: money("50"),
+				});
+			}),
+		);
+		fireEvent.click(retry);
+
+		await waitFor(() =>
+			expect(screen.queryByRole("alert")).not.toBeInTheDocument(),
+		);
+		expect(summaryRequests).toHaveLength(requestsBefore + 1);
 	});
 	it("keeps cached card and history after refetch failure", async () => {
 		const { client } = setup();
@@ -331,9 +366,8 @@ describe("CardPage", () => {
 			http.get("*/api/v1/bank-cards/a/operations", () => HttpResponse.error()),
 		);
 		await client.invalidateQueries();
-		await waitFor(() => {
+		const alerts = await screen.findAllByRole("alert", {}, { timeout: 5000 });
-			expect(screen.queryByRole("alert")).not.toBeInTheDocument();
+		expect(alerts.length).toBeGreaterThanOrEqual(1);
-		});
 		expect(
 			screen.getByRole("heading", { name: "Повседневная" }),
 		).toBeInTheDocument();
@@ -401,11 +435,11 @@ describe("CardPage", () => {
 		]);
 	});
 	it("recovers the prerequisite card list while preserving the visible balance and journal", async () => {
-		setup({ cardsError: true });
+		const { client } = setup({ cardsError: true });
 		await screen.findByText("Перевод на «Запасная»");
 		expect(
-			screen.queryByRole("alert"),
+			await screen.findByRole("alert", {}, { timeout: 5000 }),
-		).not.toBeInTheDocument();
+		).toHaveTextContent("Не удалось загрузить данные карт.");
 		expect(
 			screen.getByRole("button", { name: "Добавить операцию" }),
 		).toBeDisabled();
@@ -414,6 +448,7 @@ describe("CardPage", () => {
 				HttpResponse.json([card, { ...card, id: "b", name: "Запасная" }]),
 			),
 		);
+		await client.invalidateQueries();
 		await waitFor(() =>
 			expect(
 				screen.getByRole("button", { name: "Добавить операцию" }),

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

@@ -75,6 +75,11 @@ const CardPageView: FC<CardPageViewProps> = (props) => {
 							{t("bank.back")}
 						</Button>
 
+						{!vm.notFound && (
+							<Button onClick={vm.cardRetry} variant="default">
+								{t("bank.retry")}
+							</Button>
+						)}
 					</Group>
 				)}
 				error
@@ -128,18 +133,27 @@ const CardPageView: FC<CardPageViewProps> = (props) => {
 				)}
 
 				{card.archivedAt && <Text>{t("bank.archiveHint")}</Text>}
+
+				{vm.cardError && vm.card && (
+					<BankFeedback
+						cached
+						error={vm.cardError}
+						retry={vm.cardRetry}
+					/>
+				)}
 			</Stack>
 
 			{vm.cardsFeedback && (
 				<BankFeedback
 					{...vm.cardsFeedback}
 					loadingError
+					retry={vm.cardsRetry}
 				/>
 			)}
 
 			<BankPeriodPicker onChange={vm.setPeriod} period={vm.period} />
 
-			<BankSummaryView {...vm.summary} />
+			<BankSummaryView {...vm.summary} retry={vm.summary.refetch} />
 
 			<Group align="end" justify="space-between">
 				<Group gap="xs">
@@ -183,8 +197,6 @@ const CardPageView: FC<CardPageViewProps> = (props) => {
 				<CardHistory history={vm.history} period={vm.period} rows={vm.rows} />
 			</Stack>
 
-			{vm.history.error && !vm.rows && <Text role="alert">{t("bank.error")}</Text>}
-
 			{vm.history.page !== undefined && vm.pageSize !== "all" && (
 				<Group
 					aria-label={t("bank.pagination")}

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

@@ -97,13 +97,16 @@ function useCardPageVm() {
 		archivePending: updateCard.isPending,
 		canAddOperation: !card.data?.archivedAt && Boolean(cards.data),
 		card: card.data,
+		cardError: card.error,
 		cardLoading: card.isLoading,
 		cardRefreshError: card.isError,
 		cardRefreshing: card.isFetching,
+		cardRetry: () => card.refetch(),
 		cards: cards.data,
 		cardsFeedback: cards.isError
 			? { cached: Boolean(cards.data), error: cards.error }
 			: undefined,
+		cardsRetry: () => cards.refetch(),
 		closeDeletion: () => setDeleting(null),
 		closeEditing: () => setEditingCard(false),
 		closeOperation: () => setOperation(null),
@@ -112,9 +115,10 @@ function useCardPageVm() {
 		editingCard,
 		history: {
 			changingPage: history.isPlaceholderData,
-			error: history.isError,
+			error: history.error,
 			loading: history.isLoading,
 			page: history.data?.page,
+			refetch: () => history.refetch(),
 		},
 		notFound: isApiErrorCode(
 			apiErrorCode(card.error),
@@ -139,9 +143,10 @@ function useCardPageVm() {
 		},
 		summary: {
 			data: summary.data,
-			error: summary.isError,
+			error: summary.error,
 			fetching: summary.isFetching,
 			loading: summary.isLoading,
+			refetch: () => summary.refetch(),
 		},
 		toggleArchive: () => {
 			if (!card.data) return;

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

@@ -47,8 +47,9 @@ function renderCards(isFail = false, hasCategoryFailure = false) {
 		),
 	);
 
-	return render(
+	const client = createTestQueryClient();
-		<QueryClientProvider client={createTestQueryClient()}>
+	render(
+		<QueryClientProvider client={client}>
 			<MantineProvider env="test">
 				<MemoryRouter initialEntries={["/cards?month=2026-09"]}>
 					<CardsPage />
@@ -56,6 +57,8 @@ function renderCards(isFail = false, hasCategoryFailure = false) {
 			</MantineProvider>
 		</QueryClientProvider>,
 	);
+
+	return client;
 }
 
 describe("CardsPage", () => {
@@ -232,4 +235,76 @@ describe("CardsPage", () => {
 		});
 		expect(screen.queryByRole("alert")).not.toBeInTheDocument();
 	});
+
+	it("shows a cold cards error with retry", async () => {
+		renderCards(true);
+
+		expect(
+			await screen.findByRole("alert", {}, { timeout: 5000 }),
+		).toHaveTextContent("Не удалось загрузить данные карт.");
+		expect(
+			screen.getByRole("button", { name: "Повторить" }),
+		).toBeInTheDocument();
+
+		server.use(
+			http.get("*/api/v1/bank-cards", () =>
+				HttpResponse.json([
+					{
+						archivedAt: null,
+						balance: money("10000"),
+						bankName: null,
+						id: "a",
+						lastFour: null,
+						name: "Повседневная",
+						openingBalance: money("10000"),
+						openingDate: "2026-01-01",
+						version: 1,
+					},
+				]),
+			),
+		);
+		fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
+
+		await waitFor(() =>
+			expect(screen.queryByRole("alert")).not.toBeInTheDocument(),
+		);
+		expect(
+			screen.getByRole("link", { name: /Повседневная/ }),
+		).toBeInTheDocument();
+	});
+
+	it("shows a cached cards error while keeping the grid", async () => {
+		const view = renderCards();
+
+		await screen.findByRole("heading", { name: "Добавьте первую карту" });
+		server.use(
+			http.get("*/api/v1/bank-cards", () =>
+				HttpResponse.json([
+					{
+						archivedAt: null,
+						balance: money("10000"),
+						bankName: null,
+						id: "a",
+						lastFour: null,
+						name: "Повседневная",
+						openingBalance: money("10000"),
+						openingDate: "2026-01-01",
+						version: 1,
+					},
+				]),
+			),
+		);
+		await view.invalidateQueries();
+		await screen.findByRole("link", { name: /Повседневная/ });
+
+		server.use(http.get("*/api/v1/bank-cards", () => HttpResponse.error()));
+		await view.invalidateQueries();
+
+		expect(
+			await screen.findByRole("alert", {}, { timeout: 5000 }),
+		).toHaveTextContent("Не удалось обновить данные. Показаны последние полученные.");
+		expect(
+			screen.getByRole("link", { name: /Повседневная/ }),
+		).toBeInTheDocument();
+	});
 });

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

@@ -18,6 +18,7 @@ import { Link } from "react-router";
 
 import {
 	BankCardFace,
+	BankFeedback,
 	BankPeriodPicker,
 	BankSummaryView,
 } from "@/entities/bank-card";
@@ -51,6 +52,7 @@ const CardsPageViewCards: FC<CardsPageViewProps> = (props) => {
 			);
 		}
 
+		if (!vm.cards.error) {
 			const text = t(vm.archive ? "bank.emptyHint" : "bank.noActive");
 
 			return (
@@ -61,6 +63,7 @@ const CardsPageViewCards: FC<CardsPageViewProps> = (props) => {
 				/>
 			);
 		}
+	}
 
 	if (vm.cards.isLoading) {
 		return (
@@ -103,6 +106,15 @@ const CardsPageView: FC<CardsPageViewProps> = (props) => {
 				onChange={vm.onArchiveChange}
 			/>
 
+			{vm.cards.error && (
+				<BankFeedback
+					cached={Boolean(vm.cards.data)}
+					error={vm.cards.error}
+					loadingError={!vm.cards.data}
+					retry={vm.retryCards}
+				/>
+			)}
+
 			<CardsPageViewCards {...props} />
 
 			<Group align="flex-end" justify="space-between">
@@ -123,9 +135,10 @@ const CardsPageView: FC<CardsPageViewProps> = (props) => {
 			<BankSummaryView
 				all
 				data={vm.summary.data}
-				error={vm.summary.isError}
+				error={vm.summary.error}
 				fetching={vm.summary.isFetching}
 				loading={vm.summary.isLoading}
+				retry={vm.retrySummary}
 			/>
 		</Stack>
 	);

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

@@ -39,6 +39,8 @@ function useCardsPageVm() {
 			setArchive(event.currentTarget.checked),
 		onCategories: () => setManagingCategories(true),
 		period,
+		retryCards: () => cards.refetch(),
+		retrySummary: () => summary.refetch(),
 		setPeriod: (value: [null | string, null | string]) => {
 			if (value[0] && value[1]) setParameters({ from: value[0], to: value[1] });
 		},

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

@@ -337,7 +337,7 @@ describe("stock page", () => {
 				"/stocks/SBERP?period=year&events=trades",
 			),
 		);
-		expect(await screen.findByText("Зачисление дивидендов")).toBeVisible();
+		expect(await screen.findByText("Дивиденд")).toBeVisible();
 	});
 	it("offers search for ambiguous tickers without requesting personal data", async () => {
 		const { requests } = setup({ ambiguousTicker: true, path: "/stocks/SAME" });
@@ -368,18 +368,18 @@ describe("stock page", () => {
 			screen.getByText("К закрытию предыдущего торгового дня, 09.09.2026"),
 		).toBeVisible();
 		expect(await screen.findByText("Зачисление дивидендов")).toBeVisible();
-		expect(screen.getByText("Событие компании")).toBeVisible();
+		expect(screen.getAllByText("на акцию").length).toBeGreaterThan(0);
 		expect(screen.getByText("328,8 ₽")).toBeVisible();
 		expect(screen.getByText("P/E · TTM")).toBeVisible();
 		expect(screen.getByText("Описание компании")).toBeVisible();
 		expect(
 			screen.queryByRole("button", { name: "О компании" }),
 		).not.toBeInTheDocument();
-		expect(screen.getByText("13.10.2026")).toBeVisible();
+		expect(screen.getByText(/13\.10\.2026/)).toBeVisible();
 		fireEvent.click(
 			screen.getByRole("button", { name: "История дивидендов компании" }),
 		);
-		await waitFor(() => expect(screen.getByText("13.10.2025")).toBeVisible());
+		await waitFor(() => expect(screen.getByText(/13\.10\.2025/)).toBeVisible());
 		expect(screen.getByText("Текущая средняя покупка: 200 ₽")).toBeVisible();
 		fireEvent.click(screen.getByRole("button", { name: /Цены в таблице/ }));
 		const rows = within(await screen.findByRole("table")).getAllByRole("row");

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

@@ -63,8 +63,10 @@ const StockPageView: FC<StockPageViewProps> = (props) => {
 
 			<StockDividends
 				dividends={vm.dividends}
+				logoName={stock.logoName}
 				pastDividends={vm.pastDividends}
 				state={vm.dividendsState}
+				ticker={stock.ticker}
 				upcoming={vm.upcoming}
 			/>
 

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

@@ -1,198 +1,96 @@
 import type { FC } from "react";
 
-import {
+import { Accordion, Alert, Stack, Text } from "@mantine/core";
-	Accordion,
-	Alert,
-	Badge,
-	Group,
-	Paper,
-	Stack,
-	Text,
-} from "@mantine/core";
 import { useTranslation } from "react-i18next";
 
 import type { StockDividends as Dividends } from "@/entities/stock";
 
 import { InstrumentSection, type SectionState } from "@/features/instrument-details";
-import { formatDate, formatMoney, formatSnapshotTime } from "@/shared/lib";
+import { formatDate, formatSnapshotTime, instrumentLogoUrl } from "@/shared/lib";
+import { PayoutCard } from "@/shared/ui";
 
-import classes from "../StockPage.module.css";
+type Dividend = Dividends["dividends"][number];
+
+type DividendCardProps = {
+	event: Dividend;
+	logoName?: null | string;
+	ticker?: null | string;
+};
 
 type StockDividendsProps = {
 	dividends?: Dividends;
+	logoName?: null | string;
 	pastDividends: Dividends["dividends"];
 	state: SectionState;
+	ticker?: null | string;
 	upcoming: Dividends["dividends"];
 };
 
+const DividendCard: FC<DividendCardProps> = (props) => {
+	const { event } = props;
+	const { t } = useTranslation();
+	const title = `${t("events.type.dividend")} · ${props.ticker || t("stock.share")}`;
+
+	const metadata = [
+		event.recordDate
+			? `${t("stock.record")}: ${formatDate(event.recordDate)}`
+			: t("stock.dateUnknown"),
+		event.paymentDate ? `${t("stock.payment")}: ${formatDate(event.paymentDate)}` : null,
+	].filter(Boolean).join(" · ");
+
+	const conditions = event.lastBuyDate
+		? <Text c="dimmed" size="xs">{t("stock.lastBuy")}: {formatDate(event.lastBuyDate)}</Text>
+		: undefined;
+
+	return (
+		<PayoutCard
+			conditions={conditions}
+			estimate={event.estimatedAmount}
+			imageSrc={instrumentLogoUrl(props.logoName)}
+			initial={(props.ticker?.trim()[0] ?? "?").toUpperCase()}
+			kind="schedule"
+			metadata={metadata}
+			perSecurity={event.perShare}
+			perSecurityLabel={t("stock.perShare")}
+			title={title}
+		/>
+	);
+};
+
 const StockDividends: FC<StockDividendsProps> = (props) => {
 	const { dividends, pastDividends, state, upcoming } = props;
 	const { t } = useTranslation();
 
-	let upcomingContent;
-
-	if (dividends) {
-		if (upcoming.length > 0) {
-			upcomingContent = (
-				upcoming.map(event => (
-					<div
-						className={classes.dividend}
-						key={JSON.stringify([
-							event.recordDate,
-							event.paymentDate,
-							event.perShare,
-						])}
-					>
-						<Group align="start" justify="space-between">
-							<div>
-								<Badge color="green" variant="light">
-									{t("stock.companyEvent")}
-								</Badge>
-
-								<Text fw={650} mt="xs" size="xl">
-									{formatMoney(event.perShare)}
-									{" "}
-									<Text c="dimmed" component="span" size="sm">
-										{t("stock.perShare")}
-									</Text>
-								</Text>
-							</div>
-
-							{!!event.estimatedAmount && (
-								<div>
-									<Text c="dimmed" size="xs">
-										{t("stock.yourEstimate")}
-									</Text>
-
-									<Text fw={600}>
-										{formatMoney(event.estimatedAmount)}
-									</Text>
-								</div>
-							)}
-						</Group>
-
-						<Group gap="xl" mt="md">
-							{!!event.lastBuyDate && (
-								<div>
-									<Text c="dimmed" size="xs">
-										{t("stock.lastBuy")}
-									</Text>
-
-									<Text>{formatDate(event.lastBuyDate)}</Text>
-								</div>
-							)}
-
-							{!!event.recordDate && (
-								<div>
-									<Text c="dimmed" size="xs">
-										{t("stock.record")}
-									</Text>
-
-									<Text>{formatDate(event.recordDate)}</Text>
-								</div>
-							)}
-
-							{!!event.paymentDate && (
-								<div>
-									<Text c="dimmed" size="xs">
-										{t("stock.payment")}
-									</Text>
-
-									<Text>{formatDate(event.paymentDate)}</Text>
-								</div>
-							)}
-						</Group>
-					</div>
-				))
-			);
-		}
-		else {
-			upcomingContent = (
-				<Text c="dimmed">
-					{t("stock.noUpcoming", { to: formatDate(dividends.to) })}
-				</Text>
-			);
-		}
-	}
-
-	let pastDividendsContent;
-
-	if (pastDividends.length > 0) {
-		pastDividendsContent = (
-			<Stack gap="sm">
-				{pastDividends.map(event => (
-					<Paper
-						key={JSON.stringify([
-							event.recordDate,
-							event.paymentDate,
-							event.perShare,
-						])}
-						p="md"
-						radius="md"
-						withBorder
-					>
-						<Group align="start" justify="space-between">
-							<div>
-								<Text c="dimmed" size="xs">
-									{t("stock.record")}
-								</Text>
-
-								<Text fw={600}>
-									{event.recordDate
-										? formatDate(event.recordDate)
-										: t("stock.dateUnknown")}
-								</Text>
-
-								{!!event.paymentDate && (
-									<Text c="dimmed" mt="xs" size="xs">
-										{t("stock.payment")}:{" "}
-										{formatDate(event.paymentDate)}
-									</Text>
-								)}
-							</div>
-
-							<div>
-								<Text fw={650} size="lg">
-									{formatMoney(event.perShare)}
-								</Text>
-
-								<Text c="dimmed" size="xs">
-									{t("stock.perShare")}
-								</Text>
-							</div>
-						</Group>
-					</Paper>
-				))}
-			</Stack>
-		);
-	}
-	else {
-		pastDividendsContent = <Text c="dimmed">{t("stock.noDividends")}</Text>;
-	}
-
 	return (
 		<InstrumentSection state={state} title={t("stock.upcoming")}>
 			{!!dividends && (
 				<Stack gap="md">
-					{!!(
+					{(dividends.estimateUnavailable || dividends.positionIsStale) && (
-						dividends.estimateUnavailable || dividends.positionIsStale
-					) && (
 						<Alert aria-live="polite" color="orange" role="status">
 							{t("stock.estimateUnavailable")}
 						</Alert>
 					)}
 
-					{upcomingContent}
+					{upcoming.length > 0
+						? upcoming.map(event => (
+								<DividendCard
+									event={event}
+									key={JSON.stringify([
+										event.recordDate,
+										event.paymentDate,
+										event.perShare,
+									])}
+									logoName={props.logoName}
+									ticker={props.ticker}
+								/>
+							))
+						: <Text c="dimmed">{t("stock.noUpcoming", { to: formatDate(dividends.to) })}</Text>}
 
-					<Text c="dimmed" size="xs">
+					<Text c="dimmed" size="xs">{t("stock.dividendNote")}</Text>
-						{t("stock.dividendNote")}
-					</Text>
 
 					{!!dividends.positionAt && (
 						<Text c="dimmed" size="xs">
-							{t("stock.snapshotAt", {
+							{t("stock.snapshotAt", { date: formatSnapshotTime(dividends.positionAt) })}
-								date: formatSnapshotTime(dividends.positionAt),
-							})}
 						</Text>
 					)}
 
@@ -210,7 +108,24 @@ const StockDividends: FC<StockDividendsProps> = (props) => {
 									})}
 								</Text>
 
-								{pastDividendsContent}
+								{pastDividends.length > 0
+									? (
+											<Stack gap="sm">
+												{pastDividends.map(event => (
+													<DividendCard
+														event={event}
+														key={JSON.stringify([
+															event.recordDate,
+															event.paymentDate,
+															event.perShare,
+														])}
+														logoName={props.logoName}
+														ticker={props.ticker}
+													/>
+												))}
+											</Stack>
+										)
+									: <Text c="dimmed">{t("stock.noDividends")}</Text>}
 							</Accordion.Panel>
 						</Accordion.Item>
 					</Accordion>

src/pages/stocks/ui/StocksPage/StocksPage.test.tsx

@@ -1,6 +1,6 @@
 import { MantineProvider } from "@mantine/core";
 import { QueryClientProvider } from "@tanstack/react-query";
-import { fireEvent, render, screen, waitFor } from "@testing-library/react";
+import { act, fireEvent, render, screen, waitFor } from "@testing-library/react";
 import { http, HttpResponse } from "msw";
 import { MemoryRouter } from "react-router";
 import { afterEach, describe, expect, it, vi } from "vitest";
@@ -12,19 +12,37 @@ import { server } from "@/test/server";
 import { StocksPage } from "./StocksPage";
 import { useStocksPageVm } from "./StocksPage.vm";
 
+const pageOperations: Promise<void>[] = [];
+
 const StocksPageVmProbe = () => {
 	const vm = useStocksPageVm();
 
 	return (
 		<>
-			<button onClick={vm.onSearch}>search</button>
+			<button
-			<button onClick={() => vm.onPage(2)}>page</button>
+				onClick={() => {
+					pageOperations.push(vm.search());
+				}}
+			>
+				search
+			</button>
+			<button
+				onClick={() => {
+					pageOperations.push(vm.changePage(2));
+				}}
+			>
+				page
+			</button>
 			<output>{vm.items.map(item => item.name).join(", ")}</output>
 		</>
 	);
 };
 
-afterEach(() => vi.useRealTimers());
+afterEach(() => {
+	pageOperations.length = 0;
+
+	return vi.useRealTimers();
+});
 
 describe("stock search", () => {
 	it("waits for a meaningful query and uses the server-verified ticker link", async () => {
@@ -230,9 +248,12 @@ describe("stock search", () => {
 		fireEvent.click(screen.getByRole("button", { name: "page" }));
 		fireEvent.click(screen.getByRole("button", { name: "search" }));
 		await screen.findByText("Новый");
+		await act(async () => {
 			oldPage.resolve();
+			await pageOperations[0];
+		});
 
-		await waitFor(() => expect(screen.getByText("Новый")).toBeVisible());
+		expect(screen.getByText("Новый")).toBeVisible();
 		expect(screen.queryByText("Старый результат")).not.toBeInTheDocument();
 	});
 

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

@@ -101,6 +101,7 @@ function useStocksPageVm() {
 	};
 
 	return {
+		changePage,
 		criteria,
 		error,
 		items: page?.items ?? [],
@@ -111,6 +112,8 @@ function useStocksPageVm() {
 		onSearch: () => void search(),
 		page: page?.page,
 		resultTime: page?.asOf,
+		// Test seam: settle the actual operation instead of the handler release.
+		search,
 		searched: page !== null,
 		totalPages: page ? page.page + Number(page.hasNext) : 0,
 	};

src/shared/api/client.test.ts

@@ -281,6 +281,33 @@ describe("apiClient transient read recovery", () => {
 		},
 	);
 
+	it("does not retry a read refused with INVALID_TBANK_TOKEN", async () => {
+		let requests = 0;
+		server.use(
+			http.get("*/api/v1/brokerage-accounts", () => {
+				requests += 1;
+
+				return HttpResponse.json(
+					{ code: "INVALID_TBANK_TOKEN", status: 400 },
+					{ status: 400 },
+				);
+			}),
+		);
+		configureAuthClient({
+			accessToken: () => "token",
+			clear: vi.fn(),
+			refresh: () => Promise.resolve(false),
+		});
+
+		const { error, response } = await apiClient.GET(
+			"/api/v1/brokerage-accounts",
+		);
+
+		expect(response.status).toBe(400);
+		expect(error).toMatchObject({ code: "INVALID_TBANK_TOKEN" });
+		expect(requests).toBe(1);
+	});
+
 	it("does not retry mutations", async () => {
 		let requests = 0;
 		server.use(

src/shared/api/generated/schema.d.ts

@@ -746,10 +746,13 @@ export interface components {
                 detail: string;
             }[];
         };
-        CredentialsDto: {
+        RegisterDto: {
             /** @example user@example.com */
             email: string;
-            /** @example a secure password */
+            /**
+             * @description Raw password: 8-72 printable ASCII characters (letters, digits, symbols, space). Not trimmed or normalized.
+             * @example a secure password
+             */
             password: string;
         };
         UserDto: {
@@ -760,6 +763,15 @@ export interface components {
             accessToken: string;
             user: components["schemas"]["UserDto"];
         };
+        LoginDto: {
+            /** @example user@example.com */
+            email: string;
+            /**
+             * @description Raw password, at most 72 UTF-8 bytes. Not trimmed or normalized.
+             * @example a secure password
+             */
+            password: string;
+        };
         MoneyDto: {
             currency: string;
             value: string;
@@ -1107,16 +1119,6 @@ export interface components {
             data: components["schemas"]["IncomeSummaryDto"] | null;
             meta: components["schemas"]["InvestmentResourceMetaDto"];
         };
-        IncomeComparisonCurrencyDto: {
-            currency: string;
-            selected: components["schemas"]["IncomeCurrencySummaryDto"];
-            compared: components["schemas"]["IncomeCurrencySummaryDto"];
-            difference: components["schemas"]["IncomeCurrencySummaryDto"];
-        };
-        IncomeComparisonDto: {
-            period: components["schemas"]["IncomePeriodDto"];
-            totalsByCurrency: components["schemas"]["IncomeComparisonCurrencyDto"][];
-        };
         IncomeBucketDto: {
             period: components["schemas"]["IncomePeriodDto"];
             totalsByCurrency: components["schemas"]["IncomeCurrencySummaryDto"][];
@@ -1160,8 +1162,6 @@ export interface components {
             totalsByCurrency: components["schemas"]["IncomeCurrencySummaryDto"][];
             /** Format: date-time */
             calculatedAt: string;
-            previous: components["schemas"]["IncomeComparisonDto"] | null;
-            yearComparison: components["schemas"]["IncomeComparisonDto"] | null;
             /** @enum {string} */
             bucketGranularity: "day" | "week" | "month";
             buckets: components["schemas"]["IncomeBucketDto"][];
@@ -1183,7 +1183,7 @@ export interface components {
             lastSuccessfulAt: string | null;
             lastAttempt: components["schemas"]["InvestmentAttemptDto"];
             /** @enum {string} */
-            role: "selected" | "previous" | "year";
+            role: "selected";
         };
         IncomeAnalyticsMetaDto: {
             dataRevision: string;
@@ -1720,7 +1720,7 @@ export interface operations {
         };
         requestBody: {
             content: {
-                "application/json": components["schemas"]["CredentialsDto"];
+                "application/json": components["schemas"]["RegisterDto"];
             };
         };
         responses: {
@@ -1788,7 +1788,7 @@ export interface operations {
         };
         requestBody: {
             content: {
-                "application/json": components["schemas"]["CredentialsDto"];
+                "application/json": components["schemas"]["LoginDto"];
             };
         };
         responses: {

src/shared/api/resource-query.test.tsx

@@ -164,10 +164,16 @@ describe("persistent resource query lifecycle", () => {
 		});
 
 		await waitFor(() => expect(isStarted).toBe(true));
-		await act(() => result.current.observe());
+		// Capture the observation promise before releasing the old handler; the
+		// final assertion must follow its settlement, not the handler release.
+		let observation: Promise<unknown> = Promise.resolve();
+		await act(async () => {
+			observation = result.current.observe() ?? Promise.resolve();
+			await observation;
+		});
 		await act(async () => {
 			release();
-			await blocked;
+			await observation;
 		});
 		expect(result.current.data).toEqual(snapshot);
 	});

src/shared/api/spec/openapi.json

@@ -10,7 +10,7 @@
           "content": {
             "application/json": {
               "schema": {
-                "$ref": "#/components/schemas/CredentialsDto"
+                "$ref": "#/components/schemas/RegisterDto"
               }
             }
           }
@@ -91,7 +91,7 @@
           "content": {
             "application/json": {
               "schema": {
-                "$ref": "#/components/schemas/CredentialsDto"
+                "$ref": "#/components/schemas/LoginDto"
               }
             }
           }
@@ -5236,7 +5236,7 @@
           "code"
         ]
       },
-      "CredentialsDto": {
+      "RegisterDto": {
         "type": "object",
         "properties": {
           "email": {
@@ -5245,8 +5245,8 @@
           },
           "password": {
             "type": "string",
-            "minLength": 12,
+            "description": "Raw password: 8-72 printable ASCII characters (letters, digits, symbols, space). Not trimmed or normalized.",
-            "maxLength": 72,
+            "pattern": "^[\\x20-\\x7E]{8,72}$",
             "example": "a secure password"
           }
         },
@@ -5285,6 +5285,24 @@
           "user"
         ]
       },
+      "LoginDto": {
+        "type": "object",
+        "properties": {
+          "email": {
+            "type": "string",
+            "example": "user@example.com"
+          },
+          "password": {
+            "type": "string",
+            "description": "Raw password, at most 72 UTF-8 bytes. Not trimmed or normalized.",
+            "example": "a secure password"
+          }
+        },
+        "required": [
+          "email",
+          "password"
+        ]
+      },
       "MoneyDto": {
         "type": "object",
         "properties": {
@@ -6706,47 +6724,6 @@
           "meta"
         ]
       },
-      "IncomeComparisonCurrencyDto": {
-        "type": "object",
-        "properties": {
-          "currency": {
-            "type": "string"
-          },
-          "selected": {
-            "$ref": "#/components/schemas/IncomeCurrencySummaryDto"
-          },
-          "compared": {
-            "$ref": "#/components/schemas/IncomeCurrencySummaryDto"
-          },
-          "difference": {
-            "$ref": "#/components/schemas/IncomeCurrencySummaryDto"
-          }
-        },
-        "required": [
-          "currency",
-          "selected",
-          "compared",
-          "difference"
-        ]
-      },
-      "IncomeComparisonDto": {
-        "type": "object",
-        "properties": {
-          "period": {
-            "$ref": "#/components/schemas/IncomePeriodDto"
-          },
-          "totalsByCurrency": {
-            "type": "array",
-            "items": {
-              "$ref": "#/components/schemas/IncomeComparisonCurrencyDto"
-            }
-          }
-        },
-        "required": [
-          "period",
-          "totalsByCurrency"
-        ]
-      },
       "IncomeBucketDto": {
         "type": "object",
         "properties": {
@@ -6948,24 +6925,6 @@
             "type": "string",
             "format": "date-time"
           },
-          "previous": {
-            "nullable": true,
-            "type": "object",
-            "allOf": [
-              {
-                "$ref": "#/components/schemas/IncomeComparisonDto"
-              }
-            ]
-          },
-          "yearComparison": {
-            "nullable": true,
-            "type": "object",
-            "allOf": [
-              {
-                "$ref": "#/components/schemas/IncomeComparisonDto"
-              }
-            ]
-          },
           "bucketGranularity": {
             "type": "string",
             "enum": [
@@ -6998,8 +6957,6 @@
           "period",
           "totalsByCurrency",
           "calculatedAt",
-          "previous",
-          "yearComparison",
           "bucketGranularity",
           "buckets",
           "instruments",
@@ -7056,9 +7013,7 @@
           "role": {
             "type": "string",
             "enum": [
-              "selected",
+              "selected"
-              "previous",
-              "year"
             ]
           }
         },
@@ -7523,7 +7478,8 @@
             "type": "integer",
             "minimum": 1
           }
-        }
+        },
+        "additionalProperties": false
       },
       "StockScreenerItemDto": {
         "type": "object",
@@ -7569,7 +7525,8 @@
           },
           "lot": {
             "type": "integer",
-            "nullable": true
+            "nullable": true,
+            "minimum": 1
           }
         },
         "required": [

src/shared/i18n/locales/ru.ts

@@ -55,8 +55,9 @@ const ru = {
 			requestError: "Не удалось выполнить запрос. Попробуйте ещё раз.",
 			validation: {
 				invalidEmail: "Некорректный email",
-				invalidPasswordLength: "Пароль должен содержать от 12 до 72 байт",
+				invalidPasswordLength: "Пароль: от 8 до 72 символов, только латинские буквы, цифры, спецсимволы и пробел",
 				passwordsDoNotMatch: "Пароли не совпадают",
+				passwordTooLong: "Пароль не должен превышать 72 байта",
 			},
 		},
 		bank: {
@@ -340,13 +341,8 @@ const ru = {
 		},
 		income: {
 			apply: "Применить",
-			comparisonEmpty: "За эти периоды купоны и дивиденды не найдены.",
-			comparisonFailed:
-				"Не удалось загрузить период сравнения. Повторите обновление.",
-			comparisonPending: "Период сравнения ещё не загружен полностью.",
 			coupon: "Купоны",
 			datePlaceholder: "ДД.ММ.ГГГГ",
-			difference: "Разница",
 			dividend: "Дивиденды",
 			emptyText: "За выбранный период подходящих исполненных выплат нет.",
 			emptyTitle: "Купоны и дивиденды не найдены",
@@ -356,8 +352,6 @@ const ru = {
 			open: "Открыть пассивный доход",
 			payments: "Выплаты",
 			period: "Период",
-			previousPeriod: "Предыдущий период",
-			previousUnavailable: "Сравнение с предыдущим периодом недоступно.",
 			refreshError:
 				"Не удалось обновить пассивный доход. Показан последний загруженный результат.",
 			refreshing: "Обновляем пассивный доход",
@@ -378,8 +372,6 @@ const ru = {
 				period:
 					"Укажите корректный период без будущих дат: начало не позже окончания.",
 			},
-			yearAgo: "Годом ранее",
-			yearUnavailable: "Сравнение с годом ранее недоступно.",
 		},
 		investment: {
 			attempt: {
@@ -459,6 +451,14 @@ const ru = {
 			stocks: "Акции",
 		},
 		notFound: { action: "К счетам", title: "Страница не найдена" },
+		payout: {
+			estimate: "Оценка по позиции",
+			executedAt: "Исполнено {{date}}",
+			forecast: "Прогноз",
+			noAmount: "Сумма неизвестна",
+			noMoney: "Без движения денег",
+			registryDate: "Дата реестра",
+		},
 		portfolio: {
 			accountUnavailableText: "Вернитесь к списку и выберите доступный счет.",
 			accountUnavailableTitle: "Счет недоступен",

src/shared/lib/calendar.test.ts

@@ -38,11 +38,11 @@ describe("calendar dates", () => {
 		expect(moscowDate(new Date("2026-12-31T21:00:00Z"))).toBe("2027-01-01");
 	});
 
-	it("defaults to the last 7 days including today", () => {
+	it("defaults to 7 calendar dates starting with today", () => {
 		const [from, to] = defaultPeriod();
 
 		expect(calendarDate.safeParse(from).success).toBe(true);
-		expect(to).toBe(moscowDate(new Date()));
+		expect(from).toBe(moscowDate(new Date()));
 		expect((Date.parse(to) - Date.parse(from)) / 86_400_000).toBe(6);
 		expect(from <= to).toBe(true);
 	});

src/shared/lib/calendar.ts

@@ -9,8 +9,7 @@ function isValidPeriod(from: null | string, to: null | string) {
 	);
 }
 
-const DAY_MS = 86_400_000;
+const DEFAULT_PERIOD_LAST_INDEX = 6;
-const DEFAULT_PERIOD_DAYS = 6;
 
 const moscowFormatter = new Intl.DateTimeFormat("en-CA", {
 	day: "2-digit",
@@ -25,12 +24,17 @@ function compareDateDesc(a: null | string, b: null | string) {
 	return (b ?? "").localeCompare(a ?? "");
 }
 
-// Last 7 days including today. An empty period always means this range.
+// 7 calendar dates starting with today (Moscow calendar arithmetic).
 function defaultPeriod(): [string, string] {
-	const to = new Date();
+	const from = moscowDate(new Date());
-	const from = new Date(to.getTime() - DEFAULT_PERIOD_DAYS * DAY_MS);
 
-	return [moscowDate(from), moscowDate(to)];
+	const [year = 1970, month = 0, day = 1] = from.split("-").map(Number);
+	const noon = 12;
+	const lastDay = day + DEFAULT_PERIOD_LAST_INDEX;
+	const end = new Date(Date.UTC(year, month - 1, lastDay, noon));
+	const to = moscowDate(end);
+
+	return [from, to];
 }
 
 function moscowDate(value: Date): string {

src/shared/ui/PayoutCard/PayoutCard.test.tsx

@@ -0,0 +1,85 @@
+import type { FC } from "react";
+
+import { MantineProvider } from "@mantine/core";
+import { render, screen } from "@testing-library/react";
+import { describe, expect, it } from "vitest";
+
+import { PayoutCard } from "./PayoutCard";
+
+const Wrapper: FC<{ children: React.ReactNode }> = props => (
+	<MantineProvider env="test">{props.children}</MantineProvider>
+);
+
+describe("PayoutCard", () => {
+	it("renders an executed payout with signed source money", () => {
+		render(
+			<Wrapper>
+				<PayoutCard
+					initial="К"
+					kind="executed"
+					occurredAt="01.08.2026 12:00"
+					payment={{ currency: "RUB", value: "-10.25" }}
+					title="Купон"
+					typeLabel="Купон"
+				/>
+			</Wrapper>,
+		);
+		expect(screen.getByText("−10,25 ₽")).toBeInTheDocument();
+		expect(screen.getByText(/Исполнено 01.08.2026 12:00/)).toBeInTheDocument();
+	});
+
+	it("keeps zero distinct from an unknown executed amount", () => {
+		render(
+			<Wrapper>
+				<PayoutCard
+					initial="Д"
+					kind="executed"
+					occurredAt="01.08.2026"
+					payment={{ currency: "RUB", value: "0.000" }}
+					title="Дивиденд"
+					typeLabel="Дивиденд"
+				/>
+			</Wrapper>,
+		);
+		expect(screen.getByText("0,000 ₽")).toBeInTheDocument();
+		expect(screen.getByText("Без движения денег")).toBeInTheDocument();
+	});
+
+	it("marks a forecast payout and a dividend registry date without inventing an amount", () => {
+		render(
+			<Wrapper>
+				<PayoutCard
+					date="15.08.2026"
+					dateKind="registry"
+					initial="S"
+					kind="forecast"
+					projectedAmount={null}
+					title="Дивиденд · SBER"
+				/>
+			</Wrapper>,
+		);
+		expect(screen.getByText("Прогноз")).toBeInTheDocument();
+		expect(screen.getByText(/15.08.2026 · Дата реестра/)).toBeInTheDocument();
+		expect(screen.getByText("Сумма неизвестна")).toBeInTheDocument();
+	});
+
+	it("shows a schedule payout with per-security label and separate estimate", () => {
+		render(
+			<Wrapper>
+				<PayoutCard
+					estimate={{ currency: "RUB", value: "125" }}
+					initial="S"
+					kind="schedule"
+					metadata="Дата выплаты 04.10.2026"
+					perSecurity={{ currency: "RUB", value: "12.5" }}
+					perSecurityLabel="На облигацию"
+					title="Купон · SU26238RMFS4"
+				/>
+			</Wrapper>,
+		);
+		expect(screen.getByText("12,5 ₽")).toBeInTheDocument();
+		expect(screen.getByText("На облигацию")).toBeInTheDocument();
+		expect(screen.getByText("Оценка по позиции")).toBeInTheDocument();
+		expect(screen.getByText("125 ₽")).toBeInTheDocument();
+	});
+});

src/shared/ui/PayoutCard/PayoutCard.tsx

@@ -0,0 +1,166 @@
+import type { FC, ReactNode } from "react";
+
+import { Group, Text } from "@mantine/core";
+import { EntryCard } from "@wealthledger/ui";
+import { useTranslation } from "react-i18next";
+
+import { formatMoney } from "@/shared/lib";
+
+type ExecutedPayout = {
+	details?: ReactNode;
+	extraMetadata?: string;
+	imageSrc?: null | string;
+	initial: string;
+	kind: "executed";
+	occurredAt: string;
+	payment: null | PayoutMoney;
+	title: string;
+	typeLabel: string;
+	wrap?: boolean;
+};
+
+type ForecastPayout = {
+	date: string;
+	dateKind?: "event" | "registry";
+	extraMetadata?: string;
+	imageSrc?: null | string;
+	initial: string;
+	kind: "forecast";
+	projectedAmount: null | PayoutMoney;
+	title: string;
+};
+
+type PayoutCardProps
+	= | ExecutedPayout
+		| ForecastPayout
+		| SchedulePayout;
+
+type PayoutMoney = { currency: string; value: string };
+
+type PayoutTone
+	= | "negative"
+		| "neutral"
+		| "positive";
+
+type SchedulePayout = {
+	conditions?: ReactNode;
+	estimate: null | PayoutMoney;
+	imageSrc?: null | string;
+	initial: string;
+	kind: "schedule";
+	metadata: string;
+	perSecurity: null | PayoutMoney;
+	perSecurityLabel: string;
+	title: string;
+};
+
+const PayoutCard: FC<PayoutCardProps> = (props) => {
+	const { t } = useTranslation();
+
+	const common = {
+		imageSrc: props.imageSrc,
+		initial: props.initial,
+		title: props.title,
+		wrap: true,
+	};
+
+	if (props.kind === "executed") {
+		const payment = props.payment;
+		const presentation = executedPresentation(payment);
+		const isKnown = payment !== null && !isZeroDecimal(payment.value);
+
+		const metadata = [
+			t("payout.executedAt", { date: props.occurredAt }),
+			props.extraMetadata,
+		].filter(Boolean).join(" · ");
+
+		const valueLabel = isKnown ? props.typeLabel : t("payout.noMoney");
+
+		return (
+			<EntryCard
+				{...common}
+				details={props.details}
+				metadata={metadata}
+				tone={presentation.tone}
+				value={presentation.amount}
+				valueLabel={valueLabel}
+				wrap={props.wrap}
+			/>
+		);
+	}
+
+	if (props.kind === "forecast") {
+		const metadata = [
+			props.date,
+			props.dateKind === "registry" ? t("payout.registryDate") : null,
+			props.extraMetadata,
+		].filter(Boolean).join(" · ");
+
+		const value = props.projectedAmount
+			? formatMoney(props.projectedAmount)
+			: t("payout.noAmount");
+
+		return (
+			<EntryCard
+				{...common}
+				metadata={metadata}
+				tone="neutral"
+				value={value}
+				valueLabel={t("payout.forecast")}
+			/>
+		);
+	}
+
+	const details = (
+		<>
+			{props.estimate
+				? (
+						<Group gap="sm">
+							<Text c="dimmed" size="xs">{t("payout.estimate")}</Text>
+
+							<Text fw={600} size="xs">{formatMoney(props.estimate)}</Text>
+						</Group>
+					)
+				: null}
+			{props.conditions}
+		</>
+	);
+
+	const value = props.perSecurity
+		? formatMoney(props.perSecurity)
+		: t("payout.noAmount");
+
+	return (
+		<EntryCard
+			{...common}
+			details={details}
+			metadata={props.metadata}
+			tone="neutral"
+			value={value}
+			valueLabel={props.perSecurityLabel}
+		/>
+	);
+};
+
+function executedPresentation(payment: null | PayoutMoney): {
+	amount: string;
+	tone: PayoutTone;
+} {
+	if (!payment) return { amount: "—", tone: "neutral" };
+	if (isZeroDecimal(payment.value))
+		return { amount: formatMoney(payment), tone: "neutral" };
+	if (payment.value.startsWith("-"))
+		return {
+			amount: `−${formatMoney({ ...payment, value: payment.value.slice(1) })}`,
+			tone: "negative",
+		};
+
+	return { amount: `+${formatMoney(payment)}`, tone: "positive" };
+}
+
+function isZeroDecimal(value: string): boolean {
+	// eslint-disable-next-line security/detect-unsafe-regex -- Anchored decimal check over a bounded Money string, with no nested repetition.
+	return /^-?0(?:\.0+)?$/.test(value);
+}
+
+export { PayoutCard };

src/shared/ui/index.ts

@@ -1 +1,2 @@
+export { PayoutCard } from "./PayoutCard/PayoutCard";
 export { SourceSyncStatus } from "./SourceSyncStatus/SourceSyncStatus";