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

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

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

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

src/entities/bond/api/queries.ts

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

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

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

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

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

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

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

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

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

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

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

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

@@ -2,6 +2,7 @@ import { MantineProvider } from "@mantine/core";
 import { render, screen, within } from "@testing-library/react";
 import { MemoryRouter } from "react-router";
 import { describe, expect, it } from "vitest";
+import { resource } from "@/test/resource";
 import { brokerageAccountCards } from "../../model/display";
 import { BrokerageAccountList } from "./BrokerageAccountList";
 
@@ -84,3 +85,42 @@ describe("BrokerageAccountList", () => {
 		).not.toBeInTheDocument();
 	});
 });
+
+it("shows portfolio summary freshness independently for each account", () => {
+	const accounts = brokerageAccountCards(
+		["fresh", "stale"].map((id) => ({
+			id,
+			name: id,
+			type: "BROKERAGE" as const,
+			openedOn: null,
+			portfolioSummary: {
+				stockPositionCount: 1,
+				bondPositionCount: 0,
+				totalsByCurrency: [{ currency: "RUB", value: "10" }],
+			},
+		})),
+		[
+			resource(null, { resourceKey: "portfolio/fresh", freshness: "fresh" })
+				.meta,
+			resource(null, { resourceKey: "portfolio/stale", freshness: "stale" })
+				.meta,
+		],
+	);
+	render(
+		<MantineProvider>
+			<MemoryRouter>
+				<BrokerageAccountList accounts={accounts} />
+			</MemoryRouter>
+		</MantineProvider>,
+	);
+	expect(
+		within(screen.getByRole("link", { name: /stale/ })).getByText(
+			"Данные требуют обновления",
+		),
+	).toBeVisible();
+	expect(
+		within(screen.getByRole("link", { name: /fresh/ })).queryByText(
+			"Данные требуют обновления",
+		),
+	).not.toBeInTheDocument();
+});

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

@@ -2,7 +2,7 @@ import { Card, Group, SimpleGrid, Stack, Text } from "@mantine/core";
 import type { FC } from "react";
 import { useTranslation } from "react-i18next";
 import { Link } from "react-router";
-import { formatDate, formatMoney } from "@/shared/lib";
+import { formatDate, formatMoney, formatSnapshotTime } from "@/shared/lib";
 import type { BrokerageAccountCard } from "../../model/display";
 import { accountTypeKey } from "../../model/display";
 import classes from "./BrokerageAccountList.module.css";
@@ -52,8 +52,8 @@ const BrokerageAccountList: FC<BrokerageAccountListProps> = (props) => {
 	const { t } = useTranslation();
 
 	return (
-		<SimpleGrid className={classes.list} cols={{ base: 1, lg: 2 }} spacing="lg">
-			{accounts.map(({ account, summary, positionCounts }) => (
+		<SimpleGrid className={classes.list} cols={1} spacing="lg">
+			{accounts.map(({ account, summary, positionCounts, source }) => (
 				<Card
 					component={Link}
 					to={`/accounts/${account.id}`}
@@ -92,6 +92,25 @@ const BrokerageAccountList: FC<BrokerageAccountListProps> = (props) => {
 							{t("accounts.currentValue")}
 						</Text>
 						<BrokerageAccountSummary summary={summary} />
+						{source?.lastSuccessfulAt ? (
+							<Text size="xs" c="dimmed">
+								{t("investment.sourceTime", {
+									date: formatSnapshotTime(source.lastSuccessfulAt),
+								})}
+							</Text>
+						) : null}
+						{source?.sync.state === "running" ||
+						source?.sync.state === "queued" ? (
+							<Text size="xs" role="status">
+								{t("accounts.refreshing")}
+							</Text>
+						) : null}
+						{source?.sync.state === "failed" ? (
+							<Text size="xs">{t("accounts.refreshError")}</Text>
+						) : null}
+						{source?.freshness === "stale" ? (
+							<Text size="xs">{t("investment.stale")}</Text>
+						) : null}
 					</Stack>
 					{positionCounts ? (
 						<dl className={classes.positions}>

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

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

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

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

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

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

src/entities/income/api/useIncome.ts

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

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

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

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

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

src/entities/portfolio/api/usePortfolio.ts

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

src/entities/stock/api/queries.ts

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

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

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

src/features/auth/model/auth.tsx

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

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

@@ -0,0 +1,59 @@
+import { describe, expect, it, vi } from "vitest";
+import { resource } from "@/test/resource";
+import { section } from "./section";
+
+describe("instrument source and transport presentation", () => {
+	it.each(["missing", "partial", "complete"] as const)(
+		"keeps %s separate from successful transport",
+		(availability) => {
+			const data = availability === "missing" ? undefined : { rows: [] };
+			const state = section({
+				data,
+				meta: resource(data, { availability }).meta,
+				isError: false,
+				isFetching: false,
+				refetch: vi.fn(),
+			});
+			expect(state.loading).toBe(availability === "missing");
+			expect(state.partial).toBe(availability === "partial");
+			expect(state.hasData).toBe(availability !== "missing");
+		},
+	);
+	it("preserves a full fresh source and timestamp when force fails, while offering scoped retry", () => {
+		const retry = vi.fn();
+		const refetch = vi.fn();
+		const meta = resource([], {
+			sync: { id: "work", state: "failed", errorCode: "TBANK_UNAVAILABLE" },
+		}).meta;
+		const state = section(
+			{ data: [], meta, isError: false, isFetching: false, refetch },
+			retry,
+		);
+		expect(state).toMatchObject({
+			hasData: true,
+			loading: false,
+			error: true,
+			refreshing: false,
+			lastSuccessfulAt: meta.lastSuccessfulAt,
+		});
+		state.retry();
+		expect(retry).toHaveBeenCalledOnce();
+		expect(refetch).not.toHaveBeenCalled();
+	});
+	it("shows source failure without a false loading or empty result", () => {
+		const state = section({
+			data: undefined,
+			meta: resource(null, {
+				sync: { id: "work", state: "failed", errorCode: "TBANK_UNAVAILABLE" },
+			}).meta,
+			isError: false,
+			isFetching: false,
+			refetch: vi.fn(),
+		});
+		expect(state).toMatchObject({
+			hasData: false,
+			loading: false,
+			error: true,
+		});
+	});
+});

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

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

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

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

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

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

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

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

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

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

src/features/tbank-connection/index.ts

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

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

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

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

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

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

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

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

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

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

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

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

@@ -1,6 +1,12 @@
 import { MantineProvider } from "@mantine/core";
 import { QueryClientProvider } from "@tanstack/react-query";
-import { fireEvent, render, screen, waitFor } from "@testing-library/react";
+import {
+	fireEvent,
+	render,
+	renderHook,
+	screen,
+	waitFor,
+} from "@testing-library/react";
 import { HttpResponse, http } from "msw";
 import type { FC } from "react";
 import {
@@ -12,9 +18,11 @@ import {
 } from "react-router";
 import { describe, expect, it, vi } from "vitest";
 import { configureAuthClient } from "@/shared/api";
-import { createTestQueryClient } from "@/test/query";
+import { createQueryWrapper, createTestQueryClient } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { AccountEventsPage } from "./AccountEventsPage";
+import { useAccountEventsPageViewModel } from "./AccountEventsPage.vm";
 
 const Navigation: FC = () => {
 	const location = useLocation();
@@ -44,12 +52,14 @@ describe("Upcoming event date filters", () => {
 					"*/api/v1/brokerage-accounts/:accountId/events",
 					({ request }) => {
 						searches.push(new URL(request.url).search);
-						return HttpResponse.json({
-							accountId,
-							calculatedAt: "2099-01-01T00:00:00Z",
-							events: [],
-							incomeTotalsByCurrency: [],
-						});
+						return HttpResponse.json(
+							resource({
+								accountId,
+								calculatedAt: "2099-01-01T00:00:00Z",
+								events: [],
+								incomeTotalsByCurrency: [],
+							}),
+						);
 					},
 				),
 			);
@@ -110,3 +120,45 @@ describe("Upcoming event date filters", () => {
 		},
 	);
 });
+
+it("retains the previous complete forecast and timestamp when its source refresh fails", async () => {
+	configureAuthClient({
+		accessToken: () => "synthetic",
+		refresh: async () => true,
+		clear: vi.fn(),
+	});
+	const events = [
+		{
+			date: "2026-10-01",
+			displayName: "Synthetic coupon",
+			type: "coupon",
+			projectedAmount: { currency: "RUB", value: "123.45" },
+		},
+	];
+	const snapshot = resource(
+		{ events, incomeTotalsByCurrency: [{ currency: "RUB", value: "123.45" }] },
+		{ sync: { id: "failed", state: "failed", errorCode: "TBANK_UNAVAILABLE" } },
+	);
+	server.use(
+		http.get("*/api/v1/brokerage-accounts/:accountId/events", () =>
+			HttpResponse.json(snapshot),
+		),
+	);
+	const { wrapper: QueryWrapper } = createQueryWrapper();
+	const { result } = renderHook(() => useAccountEventsPageViewModel("all"), {
+		wrapper: ({ children }) => (
+			<QueryWrapper>
+				<MemoryRouter>{children}</MemoryRouter>
+			</QueryWrapper>
+		),
+	});
+	await waitFor(() =>
+		expect(result.current).toMatchObject({
+			state: "loaded",
+			events,
+			sourceError: true,
+			refreshError: true,
+			lastSuccessfulAt: snapshot.meta.lastSuccessfulAt,
+		}),
+	);
+});

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

@@ -5,6 +5,15 @@ import { beforeEach, describe, expect, it, vi } from "vitest";
 import { useBrokerageEvents } from "@/entities/brokerage-event";
 import { AccountEventsPage } from "./AccountEventsPage";
 
+const { refresh } = vi.hoisted(() => ({ refresh: vi.fn() }));
+vi.mock("@/features/tbank-connection", () => ({
+	useScreenSync: () => ({
+		refresh,
+		refreshing: false,
+		sourceError: false,
+		transportError: false,
+	}),
+}));
 vi.mock("@/entities/brokerage-event", async (importOriginal) => ({
 	...(await importOriginal<typeof import("@/entities/brokerage-event")>()),
 	useBrokerageEvents: vi.fn(),
@@ -24,12 +33,17 @@ function renderPage() {
 
 describe("AccountEventsPage", () => {
 	beforeEach(() => {
+		refresh.mockClear();
 		query.mockReturnValue({
 			data: {
 				accountId: "account",
 				calculatedAt: "2026-08-14T00:00:00Z",
 				events: [],
 			},
+			meta: {
+				availability: "complete",
+				sync: { state: "idle", id: null, errorCode: null },
+			},
 			isError: false,
 			isLoading: false,
 			refetch: vi.fn(),
@@ -55,6 +69,10 @@ describe("AccountEventsPage", () => {
 	it("keeps the loading fallback when no result or account is available", () => {
 		query.mockReturnValue({
 			data: undefined,
+			meta: {
+				availability: "complete",
+				sync: { state: "idle", id: null, errorCode: null },
+			},
 			isError: false,
 			isLoading: false,
 			refetch: vi.fn(),
@@ -99,6 +117,10 @@ describe("AccountEventsPage", () => {
 					},
 				],
 			},
+			meta: {
+				availability: "complete",
+				sync: { state: "idle", id: null, errorCode: null },
+			},
 			isError: false,
 			isLoading: false,
 			refetch: vi.fn(),
@@ -145,12 +167,16 @@ describe("AccountEventsPage", () => {
 			</MantineProvider>,
 		);
 		screen.getByRole("button", { name: "Повторить" }).click();
-		expect(refetch).toHaveBeenCalledOnce();
+		expect(refresh).toHaveBeenCalledOnce();
 	});
 
 	it("shows a structural busy state before events are available", () => {
 		query.mockReturnValue({
 			data: undefined,
+			meta: {
+				availability: "complete",
+				sync: { state: "idle", id: null, errorCode: null },
+			},
 			isError: false,
 			isLoading: true,
 			refetch: vi.fn(),

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

@@ -4,6 +4,7 @@ import {
 	type BrokerageEvent,
 	useBrokerageEvents,
 } from "@/entities/brokerage-event";
+import { useScreenSync } from "@/features/tbank-connection";
 
 type AccountEventsPageViewModel =
 	| { state: "loading" }
@@ -11,6 +12,9 @@ type AccountEventsPageViewModel =
 	| {
 			state: "loaded";
 			events: BrokerageEvent[];
+			sourceError?: boolean;
+			lastSuccessfulAt?: string | null;
+			partial?: boolean;
 			refreshing: boolean;
 			refreshError: boolean;
 			retry: () => void;
@@ -41,22 +45,34 @@ function useAccountEventsPageViewModel(
 		...(appliedFrom ? { from: appliedFrom } : {}),
 		...(appliedTo ? { to: appliedTo } : {}),
 	});
+	const sync = useScreenSync(
+		{
+			screen: "events",
+			accountId,
+			...(appliedFrom ? { from: appliedFrom } : {}),
+			...(appliedTo ? { to: appliedTo } : {}),
+		},
+		[events],
+	);
 	if (events.isLoading) return { state: "loading" };
-	if (events.isError && !events.data)
+	if ((events.isError || events.meta?.sync.state === "failed") && !events.data)
 		return {
 			state: "error",
 			retry: () => {
-				void events.refetch();
+				void sync.refresh();
 			},
 		};
 	if (!events.data) return { state: "loading" };
 	return {
 		state: "loaded",
 		events: events.data.events,
-		refreshing: events.isFetching,
-		refreshError: events.isError,
+		sourceError: sync.sourceError,
+		lastSuccessfulAt: events.meta?.lastSuccessfulAt,
+		partial: events.meta?.availability !== "complete",
+		refreshing: events.isFetching || sync.refreshing,
+		refreshError: events.isError || sync.sourceError || sync.transportError,
 		retry: () => {
-			void events.refetch();
+			void sync.refresh();
 		},
 		draftFrom,
 		draftTo,

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

@@ -11,6 +11,7 @@ import { DatePickerInput } from "@mantine/dates";
 import type { FC } from "react";
 import { useTranslation } from "react-i18next";
 import { BrokerageEventCard } from "@/entities/brokerage-event";
+import { formatSnapshotTime } from "@/shared/lib";
 import type { AccountEventsPageViewModel } from "../AccountEventsPage.vm";
 import { AccountEventsPageEmpty } from "./AccountEventsPageEmpty.view";
 
@@ -23,13 +24,30 @@ const AccountEventsPageLoaded: FC<AccountEventsPageLoadedProps> = (props) => {
 	const { t } = useTranslation();
 	return (
 		<Stack gap="lg">
+			{props.lastSuccessfulAt ? (
+				<Text size="xs" c="dimmed">
+					{t("investment.sourceTime", {
+						date: formatSnapshotTime(props.lastSuccessfulAt),
+					})}
+				</Text>
+			) : null}
 			<Title order={1}>{t("events.title")}</Title>
+			<Button onClick={props.retry} disabled={props.refreshing} w="fit-content">
+				{t("investment.refresh")}
+			</Button>
+			{props.partial ? (
+				<Alert role="status">{t("investment.partial")}</Alert>
+			) : null}
 			{props.refreshing ? (
 				<Progress value={100} animated aria-label={t("accounts.refreshing")} />
 			) : null}
 			{props.refreshError ? (
-				<Alert color="yellow">
-					{t("accounts.refreshError")}
+				<Alert color="yellow" role="status" aria-live="polite">
+					{t(
+						props.sourceError
+							? "investment.syncFailed"
+							: "accounts.refreshError",
+					)}
 					<Button variant="subtle" onClick={props.retry}>
 						{t("accounts.retry")}
 					</Button>
@@ -80,9 +98,9 @@ const AccountEventsPageLoaded: FC<AccountEventsPageLoadedProps> = (props) => {
 						/>
 					))}
 				</Stack>
-			) : (
+			) : !props.partial ? (
 				<AccountEventsPageEmpty />
-			)}
+			) : null}
 		</Stack>
 	);
 };

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

@@ -1,3 +1,4 @@
+import { resource } from "@/test/resource";
 import "dayjs/locale/ru";
 import { MantineProvider } from "@mantine/core";
 import { DatesProvider } from "@mantine/dates";
@@ -154,7 +155,7 @@ describe("AccountIncomePage", () => {
 				"*/api/v1/brokerage-accounts/:accountId/income-analytics",
 				({ request }) => {
 					requested.push(new URL(request.url).search);
-					return HttpResponse.json(analytics);
+					return HttpResponse.json(resource(analytics));
 				},
 			),
 		);
@@ -236,7 +237,7 @@ describe("AccountIncomePage", () => {
 		};
 		server.use(
 			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-				HttpResponse.json(response),
+				HttpResponse.json(resource(response)),
 			),
 		);
 		renderPage();
@@ -284,7 +285,7 @@ describe("AccountIncomePage", () => {
 	])("shows a local error for %s", async (_name, response) => {
 		server.use(
 			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-				HttpResponse.json(response),
+				HttpResponse.json(resource(response)),
 			),
 		);
 		renderPage();
@@ -299,13 +300,15 @@ describe("AccountIncomePage", () => {
 	it("accepts an empty analytics response", async () => {
 		server.use(
 			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-				HttpResponse.json({
-					...analytics,
-					totalsByCurrency: [],
-					buckets: [],
-					instruments: [],
-					entries: [],
-				}),
+				HttpResponse.json(
+					resource({
+						...analytics,
+						totalsByCurrency: [],
+						buckets: [],
+						instruments: [],
+						entries: [],
+					}),
+				),
 			),
 		);
 		renderPage();
@@ -347,7 +350,7 @@ describe("AccountIncomePage", () => {
 		};
 		server.use(
 			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-				HttpResponse.json(response),
+				HttpResponse.json(resource(response)),
 			),
 		);
 		renderPage();
@@ -369,13 +372,15 @@ describe("AccountIncomePage", () => {
 		const eventsRequest = vi.fn(() => new HttpResponse(null, { status: 503 }));
 		server.use(
 			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-				HttpResponse.json({
-					...analytics,
-					yearComparison: {
-						period: { from: "2025-08-01", to: "2025-08-27" },
-						totalsByCurrency: [comparison("RUB")],
-					},
-				}),
+				HttpResponse.json(
+					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),
 		);
@@ -392,13 +397,16 @@ describe("AccountIncomePage", () => {
 		expect(screen.queryByText("Динамика")).not.toBeInTheDocument();
 		expect(eventsRequest).not.toHaveBeenCalled();
 		expect(screen.getByRole("region", { name: "Выплаты" })).toBeInTheDocument();
-		const selected = screen.getByRole("region", {
+		const year = screen.getByRole("region", { name: "Годом ранее" });
+		const selected = within(year).getByRole("region", {
 			name: "01.08.2026 – 27.08.2026",
 		});
 		expect(
 			screen.getByRole("region", { name: "01.08.2025 – 27.08.2025" }),
 		).toBeInTheDocument();
-		expect(screen.queryByText(/Предыдущий период/)).not.toBeInTheDocument();
+		expect(
+			screen.getByRole("heading", { name: "Предыдущий период" }),
+		).toBeVisible();
 		expect(screen.queryByText("Выбранный период")).not.toBeInTheDocument();
 		expect(screen.queryByText("Сравниваемый период")).not.toBeInTheDocument();
 		expect(
@@ -409,7 +417,7 @@ describe("AccountIncomePage", () => {
 		for (const amount of ["10 ₽", "2 ₽", "12 ₽"]) {
 			expect(within(selected).getByText(amount)).toBeInTheDocument();
 		}
-		const difference = screen.getByRole("region", { name: "Разница" });
+		const difference = within(year).getByRole("region", { name: "Разница" });
 		for (const amount of ["+9 ₽", "+2 ₽", "+11 ₽"]) {
 			expect(within(difference).getByText(amount)).toBeInTheDocument();
 		}
@@ -425,7 +433,18 @@ describe("AccountIncomePage", () => {
 	it("shows the unavailable year state without falling back to the previous period", async () => {
 		server.use(
 			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
-				HttpResponse.json(analytics),
+				HttpResponse.json(
+					resource(analytics, {
+						dependencies: [
+							resource(analytics).meta,
+							resource(analytics).meta,
+							{
+								...resource(null).meta,
+								unavailableReason: "CALENDAR_OR_ACCOUNT_HISTORY",
+							},
+						],
+					}),
+				),
 			),
 		);
 		renderPage();
@@ -433,9 +452,11 @@ describe("AccountIncomePage", () => {
 			await screen.findByText("Сравнение с годом ранее недоступно."),
 		).toBeInTheDocument();
 		expect(
-			screen.queryByRole("region", { name: "Разница" }),
+			screen.queryByRole("region", { name: "Годом ранее" }),
 		).not.toBeInTheDocument();
-		expect(screen.queryByText(/Предыдущий период/)).not.toBeInTheDocument();
+		expect(
+			screen.getByRole("region", { name: "Предыдущий период" }),
+		).toBeVisible();
 	});
 
 	it("shows a recoverable realized error", async () => {
@@ -537,13 +558,15 @@ function respondWithRequestedPeriod(requests: string[]) {
 			({ request }) => {
 				const url = new URL(request.url);
 				requests.push(url.search);
-				return HttpResponse.json({
-					...analytics,
-					period: {
-						from: url.searchParams.get("from"),
-						to: url.searchParams.get("to"),
-					},
-				});
+				return HttpResponse.json(
+					resource({
+						...analytics,
+						period: {
+							from: url.searchParams.get("from"),
+							to: url.searchParams.get("to"),
+						},
+					}),
+				);
 			},
 		),
 	);
@@ -669,7 +692,32 @@ describe("income period and snapshot boundary", () => {
 			await screen.findByText(/Показан последний загруженный результат/),
 		).toBeInTheDocument();
 		expect(screen.getByRole("region", { name: "Выплаты" })).toBeVisible();
-		respondWithRequestedPeriod([]);
+		server.use(
+			http.post("*/api/v1/tbank-sync", () =>
+				HttpResponse.json(
+					{
+						id: "income",
+						scope: { screen: "income", accountId: "account-1" },
+						now: "2026-09-25T00:00:00Z",
+					},
+					{ status: 202 },
+				),
+			),
+			http.get("*/api/v1/tbank-sync/:id", () =>
+				HttpResponse.json({
+					id: "income",
+					scope: null,
+					now: "2026-09-25T00:00:00Z",
+					state: "succeeded",
+					errorCode: null,
+					progress: { total: 1, completed: 1, discovering: false },
+					resources: [resource(null, { stateVersion: "2" }).meta],
+				}),
+			),
+			http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
+				HttpResponse.json(resource(analytics, { stateVersion: "2" })),
+			),
+		);
 		fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
 		await waitFor(() =>
 			expect(
@@ -694,10 +742,12 @@ describe("income period and snapshot boundary", () => {
 				"*/api/v1/brokerage-accounts/account-1/income-analytics",
 				async () => {
 					await pending;
-					return HttpResponse.json({
-						...analytics,
-						period: { from: "2026-08-02", to: "2026-08-27" },
-					});
+					return HttpResponse.json(
+						resource({
+							...analytics,
+							period: { from: "2026-08-02", to: "2026-08-27" },
+						}),
+					);
 				},
 			),
 		);
@@ -778,3 +828,64 @@ describe("income period and snapshot boundary", () => {
 		expect(screen.getAllByText("Купон")).toHaveLength(6);
 	});
 });
+
+it("shows selected income before comparison coverage without inventing a zero baseline", async () => {
+	server.use(
+		http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
+			HttpResponse.json(
+				resource({ ...analytics, previous: null, yearComparison: null }),
+			),
+		),
+	);
+	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 () => {
+	server.use(
+		http.get("*/api/v1/brokerage-accounts/account-1/income-analytics", () =>
+			HttpResponse.json(
+				resource(analytics, {
+					dependencies: [
+						resource(analytics).meta,
+						resource(analytics).meta,
+						{
+							...resource(null).meta,
+							sync: {
+								id: null,
+								state: "failed",
+								errorCode: "TBANK_UNAVAILABLE",
+							},
+						},
+					],
+				}),
+			),
+		),
+	);
+	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

@@ -4,6 +4,7 @@ import { useForm } from "react-hook-form";
 import { useParams, useSearchParams } from "react-router";
 import { z } from "zod";
 import { type IncomeAnalytics, useIncomeAnalytics } from "@/entities/income";
+import { useScreenSync } from "@/features/tbank-connection";
 import { validationMessage } from "@/shared/i18n";
 import { formatDate } from "@/shared/lib";
 import {
@@ -17,7 +18,16 @@ import {
 
 const ISO_MONTH_LENGTH = 7;
 
+type IncomeMeta = ReturnType<typeof useIncomeAnalytics>["meta"];
+type ComparisonNotice =
+	| "comparisonPending"
+	| "comparisonFailed"
+	| "yearUnavailable";
+
 type IncomeDisplayModel = {
+	previousComparison: IncomeDisplayModel["comparison"];
+	previousNotice: ComparisonNotice;
+	yearNotice: ComparisonNotice;
 	entries: { key: string; operation: IncomeAnalytics["entries"][number] }[];
 	comparison: {
 		selectedPeriod: string;
@@ -38,6 +48,9 @@ type AccountIncomePageViewModel =
 			analytics: IncomeAnalytics;
 			display: IncomeDisplayModel;
 			formRevision: number;
+			sourceError?: boolean;
+			lastSuccessfulAt?: string | null;
+			partial?: boolean;
 			refreshing: boolean;
 			refreshError: boolean;
 			retry: () => void;
@@ -90,6 +103,10 @@ const useAccountIncomePageViewModel = (
 	});
 	const [formRevision, setFormRevision] = useState(0);
 	const analytics = useIncomeAnalytics(accountId, period);
+	const sync = useScreenSync(
+		{ screen: "income", accountId, from: period.from, to: period.to },
+		[analytics],
+	);
 
 	useEffect(() => {
 		if (!validPeriod(requested)) setSearchParams(period, { replace: true });
@@ -112,21 +129,30 @@ const useAccountIncomePageViewModel = (
 		setSearchParams(next, { replace: true });
 	};
 	if (analytics.isLoading || !analytics.data) {
-		if (analytics.isError)
-			return { state: "error", retry: () => analytics.refetch(), period };
+		if (analytics.isError || analytics.meta?.sync.state === "failed")
+			return { state: "error", retry: sync.refresh, period };
 		return { state: "loading" };
 	}
-	const display = toIncomeDisplayModel(analytics.data);
+	const display = toIncomeDisplayModel(analytics.data, analytics.meta);
 	if (!display)
-		return { state: "error", retry: () => analytics.refetch(), period };
+		return {
+			state: "error",
+			retry: () => {
+				void analytics.observe();
+			},
+			period,
+		};
 	return {
 		state: "loaded",
 		analytics: analytics.data,
 		display,
 		formRevision,
-		refreshing: analytics.isFetching,
-		refreshError: analytics.isError,
-		retry: () => analytics.refetch(),
+		sourceError: sync.sourceError,
+		lastSuccessfulAt: analytics.meta?.lastSuccessfulAt,
+		partial: analytics.meta?.availability !== "complete",
+		refreshing: analytics.isFetching || sync.refreshing,
+		refreshError: analytics.isError || sync.sourceError || sync.transportError,
+		retry: sync.refresh,
 		form,
 		onSubmit,
 		onReset,
@@ -157,6 +183,7 @@ function validPeriod(period: IncomePeriod): period is IncomePeriod {
 
 function toIncomeDisplayModel(
 	analytics: IncomeAnalytics,
+	meta?: IncomeMeta,
 ): IncomeDisplayModel | null {
 	const instruments = new Map<
 		string,
@@ -209,33 +236,53 @@ function toIncomeDisplayModel(
 		if (instrument.includedCount !== instrument.receiptCount) return null;
 	}
 
+	// The income endpoint returns selected, previous and year dependencies in order.
+	const [, previous, year] = meta?.dependencies ?? [];
 	return {
 		entries,
-		comparison: analytics.yearComparison
-			? {
-					selectedPeriod: formatComparisonPeriod(analytics.period),
-					comparedPeriod: formatComparisonPeriod(
-						analytics.yearComparison.period,
-					),
-					values: analytics.yearComparison.totalsByCurrency.map((value) => ({
-						...value,
-						percentages: {
-							total: formatIncomeChange(
-								value.difference.total.value,
-								value.compared.total.value,
-							),
-							coupon: formatIncomeChange(
-								value.difference.coupon.value,
-								value.compared.coupon.value,
-							),
-							dividend: formatIncomeChange(
-								value.difference.dividend.value,
-								value.compared.dividend.value,
-							),
-						},
-					})),
-				}
-			: null,
+		previousComparison: comparisonDisplay(analytics.period, analytics.previous),
+		comparison: comparisonDisplay(analytics.period, analytics.yearComparison),
+		previousNotice: comparisonNotice(previous),
+		yearNotice: comparisonNotice(year),
+	};
+}
+
+function comparisonNotice(
+	dependency:
+		| NonNullable<NonNullable<IncomeMeta>["dependencies"]>[number]
+		| undefined,
+): ComparisonNotice {
+	if (dependency?.unavailableReason) return "yearUnavailable";
+	return dependency?.sync.state === "failed"
+		? "comparisonFailed"
+		: "comparisonPending";
+}
+
+function comparisonDisplay(
+	period: IncomePeriod,
+	comparison: IncomeAnalytics["yearComparison"],
+): IncomeDisplayModel["comparison"] {
+	if (!comparison) return null;
+	return {
+		selectedPeriod: formatComparisonPeriod(period),
+		comparedPeriod: formatComparisonPeriod(comparison.period),
+		values: comparison.totalsByCurrency.map((value) => ({
+			...value,
+			percentages: {
+				total: formatIncomeChange(
+					value.difference.total.value,
+					value.compared.total.value,
+				),
+				coupon: formatIncomeChange(
+					value.difference.coupon.value,
+					value.compared.coupon.value,
+				),
+				dividend: formatIncomeChange(
+					value.difference.dividend.value,
+					value.compared.dividend.value,
+				),
+			},
+		})),
 	};
 }
 

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

@@ -11,6 +11,7 @@ import { StateView } from "@wealthledger/ui";
 import type { FC } from "react";
 import { FormProvider } from "react-hook-form";
 import { useTranslation } from "react-i18next";
+import { formatSnapshotTime } from "@/shared/lib";
 import classes from "../AccountIncomePage.module.css";
 import type { AccountIncomePageViewModel } from "../AccountIncomePage.vm";
 import { IncomeComparisons } from "./IncomeComparisons.view";
@@ -34,7 +35,17 @@ const AccountIncomePageLoaded: FC<LoadedProps> = (props) => {
 	const { t } = useTranslation();
 	return (
 		<Stack gap="lg" className={classes.page}>
+			{props.lastSuccessfulAt ? (
+				<Text size="xs" c="dimmed">
+					{t("investment.sourceTime", {
+						date: formatSnapshotTime(props.lastSuccessfulAt),
+					})}
+				</Text>
+			) : null}
 			<Title order={1}>{t("income.title")}</Title>
+			<Button onClick={retry} disabled={refreshing} w="fit-content">
+				{t("investment.refresh")}
+			</Button>
 			<FormProvider {...form}>
 				<IncomePeriodForm
 					key={props.formRevision}
@@ -49,16 +60,24 @@ const AccountIncomePageLoaded: FC<LoadedProps> = (props) => {
 				</Group>
 			) : null}
 			{refreshError ? (
-				<Alert color="orange">
+				<Alert color="orange" role="status" aria-live="polite">
 					<Stack gap="sm">
-						<Text>{t("income.refreshError")}</Text>
+						<Text>
+							{t(
+								props.sourceError
+									? "investment.syncFailed"
+									: "income.refreshError",
+							)}
+						</Text>
 						<Button onClick={retry} variant="default">
 							{t("income.retry")}
 						</Button>
 					</Stack>
 				</Alert>
 			) : null}
-			{analytics.totalsByCurrency.length ? (
+			{props.partial ? (
+				<Alert role="status">{t("investment.partial")}</Alert>
+			) : analytics.totalsByCurrency.length ? (
 				<IncomeSummary totals={analytics.totalsByCurrency} />
 			) : (
 				<StateView
@@ -67,7 +86,16 @@ const AccountIncomePageLoaded: FC<LoadedProps> = (props) => {
 				/>
 			)}
 			<Alert color="blue">{t("income.taxBoundary")}</Alert>
-			<IncomeComparisons comparison={display.comparison} />
+			<IncomeComparisons
+				title={t("income.previousPeriod")}
+				comparison={display.previousComparison}
+				notice={t(`income.${display.previousNotice}`)}
+			/>
+			<IncomeComparisons
+				title={t("income.yearAgo")}
+				comparison={display.comparison}
+				notice={t(`income.${display.yearNotice}`)}
+			/>
 			<IncomePayments entries={display.entries} />
 		</Stack>
 	);

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

@@ -5,8 +5,14 @@ import { formatMoney } from "@/shared/lib";
 import classes from "../AccountIncomePage.module.css";
 import type { IncomeDisplayModel } from "../AccountIncomePage.vm";
 
-type IncomeComparisonsProps = { comparison: IncomeDisplayModel["comparison"] };
-type ComparisonProps = NonNullable<IncomeDisplayModel["comparison"]>;
+type IncomeComparisonsProps = {
+	comparison: IncomeDisplayModel["comparison"];
+	title: string;
+	notice: string;
+};
+type ComparisonProps = NonNullable<IncomeDisplayModel["comparison"]> & {
+	title: string;
+};
 type ComparisonValuesProps = {
 	kind: "selected" | "compared" | "difference";
 	label: string;
@@ -15,16 +21,15 @@ type ComparisonValuesProps = {
 };
 
 const IncomeComparisons: FC<IncomeComparisonsProps> = (props) => {
-	const { t } = useTranslation();
 	return (
 		<Stack>
-			<Title order={2}>{t("income.yearAgo")}</Title>
+			<Title order={2}>{props.title}</Title>
 			{props.comparison ? (
-				<Comparison {...props.comparison} />
+				<Comparison {...props.comparison} title={props.title} />
 			) : (
 				<Paper p="sm" radius="md" className={classes.comparisonNotice}>
-					<Text size="sm" c="gray.7">
-						{t("income.yearUnavailable")}
+					<Text size="sm" c="gray.7" role="status" aria-live="polite">
+						{props.notice}
 					</Text>
 				</Paper>
 			)}
@@ -35,7 +40,7 @@ const IncomeComparisons: FC<IncomeComparisonsProps> = (props) => {
 const Comparison: FC<ComparisonProps> = (props) => {
 	const { t } = useTranslation();
 	return (
-		<section aria-label={t("income.yearAgo")} className={classes.comparison}>
+		<section aria-label={props.title} className={classes.comparison}>
 			<Stack gap="md">
 				{props.values.map((value) => (
 					<Stack

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

@@ -10,6 +10,7 @@ import {
 } from "@/entities/broker-operation";
 import { configureAuthClient } from "@/shared/api";
 import { createTestQueryClient } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { AccountOperationsPage } from "./AccountOperationsPage";
 
@@ -39,11 +40,13 @@ function configureTestAuth() {
 	});
 }
 
-function renderPage() {
+function renderPage(search = "") {
 	return render(
 		<QueryClientProvider client={createTestQueryClient()}>
 			<MantineProvider>
-				<MemoryRouter initialEntries={["/accounts/account-1/operations"]}>
+				<MemoryRouter
+					initialEntries={[`/accounts/account-1/operations${search}`]}
+				>
 					<Routes>
 						<Route
 							path="/accounts/:accountId/operations"
@@ -193,13 +196,15 @@ describe("AccountOperationsPage", () => {
 				({ request }) => {
 					const url = new URL(request.url);
 					searches.push(url.search);
-					return HttpResponse.json({
-						accountId: "account-1",
-						items: [operation],
-						nextCursor: url.searchParams.get("cursor") ? null : "next-1",
-						hasNext: !url.searchParams.get("cursor"),
-						observedAt: "2026-08-14T00:00:00Z",
-					});
+					return HttpResponse.json(
+						resource({
+							accountId: "account-1",
+							items: [operation],
+							nextCursor: url.searchParams.get("cursor") ? null : "next-1",
+							hasNext: !url.searchParams.get("cursor"),
+							observedAt: "2026-08-14T00:00:00Z",
+						}),
+					);
 				},
 			),
 		);
@@ -229,13 +234,15 @@ describe("AccountOperationsPage", () => {
 				({ request }) => {
 					const url = new URL(request.url);
 					searches.push(url.search);
-					return HttpResponse.json({
-						accountId: "account-1",
-						items: [operation],
-						nextCursor: null,
-						hasNext: false,
-						observedAt: "2026-08-14T00:00:00Z",
-					});
+					return HttpResponse.json(
+						resource({
+							accountId: "account-1",
+							items: [operation],
+							nextCursor: null,
+							hasNext: false,
+							observedAt: "2026-08-14T00:00:00Z",
+						}),
+					);
 				},
 			),
 		);
@@ -262,13 +269,15 @@ describe("AccountOperationsPage", () => {
 				({ request }) => {
 					const url = new URL(request.url);
 					searches.push(url.search);
-					return HttpResponse.json({
-						accountId: "account-1",
-						items: [operation],
-						nextCursor: null,
-						hasNext: false,
-						observedAt: "2026-08-14T00:00:00Z",
-					});
+					return HttpResponse.json(
+						resource({
+							accountId: "account-1",
+							items: [operation],
+							nextCursor: null,
+							hasNext: false,
+							observedAt: "2026-08-14T00:00:00Z",
+						}),
+					);
 				},
 			),
 		);
@@ -301,3 +310,58 @@ describe("AccountOperationsPage", () => {
 		).toBeInTheDocument();
 	});
 });
+
+it("does not label incomplete empty operations as a confirmed empty period", async () => {
+	configureTestAuth();
+	server.use(
+		http.get("*/api/v1/brokerage-accounts/:accountId/operations", () =>
+			HttpResponse.json(
+				resource(
+					{
+						accountId: "account-1",
+						items: [],
+						hasNext: false,
+						nextCursor: null,
+					},
+					{ availability: "partial" },
+				),
+			),
+		),
+	);
+	renderPage();
+	expect(await screen.findByText("Период загружен не полностью")).toBeVisible();
+	expect(screen.queryByText("Операций нет")).not.toBeInTheDocument();
+});
+
+it("recovers an invalid cursor at the first page without clearing applied filters", async () => {
+	configureTestAuth();
+	const searches: URLSearchParams[] = [];
+	server.use(
+		http.get(
+			"*/api/v1/brokerage-accounts/:accountId/operations",
+			({ request }) => {
+				const params = new URL(request.url).searchParams;
+				searches.push(params);
+				if (params.has("cursor"))
+					return HttpResponse.json(
+						{ code: "INVALID_OPERATIONS_CURSOR" },
+						{ status: 400 },
+					);
+				return HttpResponse.json(
+					resource({
+						items: [operation],
+						hasNext: true,
+						nextCursor: "old-cursor",
+					}),
+				);
+			},
+		),
+	);
+	renderPage("?from=2026-08-01&to=2026-08-14&categories=trade");
+	fireEvent.click(await screen.findByRole("button", { name: "Далее" }));
+	fireEvent.click(await screen.findByRole("button", { name: "Повторить" }));
+	await waitFor(() => expect(searches.length).toBe(3));
+	expect(searches[2].get("cursor")).toBeNull();
+	for (const key of ["from", "to", "categories"])
+		expect(searches[2].get(key)).toBe(searches[0].get(key));
+});

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

@@ -9,6 +9,7 @@ import {
 	useBrokerageOperations,
 } from "@/entities/broker-operation";
 
+import { useScreenSync } from "@/features/tbank-connection";
 import { apiErrorCode } from "@/shared/api";
 
 type AccountOperationsPageViewModel =
@@ -16,6 +17,10 @@ type AccountOperationsPageViewModel =
 	| { state: "error"; retry: () => void }
 	| {
 			state: "loaded";
+			sourceError?: boolean;
+			lastSuccessfulAt?: string | null;
+			partial?: boolean;
+			historyLoading?: boolean;
 			refreshing?: boolean;
 			refreshError?: boolean;
 			retry?: () => void;
@@ -82,6 +87,10 @@ const useAccountOperationsPageVm = (
 		...firstPageQuery,
 		...(cursor ? { cursor } : {}),
 	});
+	const sync = useScreenSync(
+		{ screen: "operations", accountId, ...firstPageQuery },
+		[operations],
+	);
 	const resetQueryKey = brokerageOperationsQueryOptions(accountId, {
 		limit: 100,
 	}).queryKey;
@@ -95,12 +104,12 @@ const useAccountOperationsPageVm = (
 				exact: true,
 			});
 			resetCursors();
-		} else void operations.refetch();
+		} else void sync.refresh();
 	};
 
 	if (operations.isLoading) return { state: "loading" };
 	if (
-		operations.isError &&
+		(operations.isError || operations.meta?.sync.state === "failed") &&
 		(!operations.data ||
 			apiErrorCode(operations.error) === "INVALID_OPERATIONS_CURSOR")
 	)
@@ -115,8 +124,14 @@ const useAccountOperationsPageVm = (
 
 	return {
 		state: "loaded",
-		refreshing: operations.isFetching,
-		refreshError: operations.isError,
+		sourceError: sync.sourceError,
+		lastSuccessfulAt: operations.meta?.lastSuccessfulAt,
+		partial: operations.meta?.availability !== "complete",
+		historyLoading:
+			operations.meta?.coverage?.historyState === "loading" ||
+			operations.meta?.coverage?.historyState === "partial",
+		refreshing: operations.isFetching || sync.refreshing,
+		refreshError: operations.isError || sync.sourceError || sync.transportError,
 		retry,
 		draftFrom,
 		draftTo,

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

@@ -5,6 +5,7 @@ import {
 	MultiSelect,
 	Progress,
 	Stack,
+	Text,
 	Title,
 } from "@mantine/core";
 import { DatePickerInput } from "@mantine/dates";
@@ -16,6 +17,7 @@ import {
 	type OperationCategory,
 	operationCategories,
 } from "@/entities/broker-operation";
+import { formatSnapshotTime } from "@/shared/lib";
 import type { AccountOperationsPageViewModel } from "../AccountOperationsPage.vm";
 
 type AccountOperationsPageLoadedProps = Extract<
@@ -59,13 +61,31 @@ const AccountOperationsPageLoaded: FC<AccountOperationsPageLoadedProps> = (
 
 	return (
 		<Stack gap="lg">
+			{props.lastSuccessfulAt ? (
+				<Text size="xs" c="dimmed">
+					{t("investment.sourceTime", {
+						date: formatSnapshotTime(props.lastSuccessfulAt),
+					})}
+				</Text>
+			) : null}
 			<Title order={1}>{t("ledger.title")}</Title>
+			<Button onClick={props.retry} disabled={props.refreshing} w="fit-content">
+				{t("investment.refresh")}
+			</Button>
+			{props.partial ? (
+				<Alert role="status">{t("investment.partial")}</Alert>
+			) : null}
+			{props.historyLoading ? <Alert>{t("investment.history")}</Alert> : null}
 			{props.refreshing ? (
 				<Progress value={100} animated aria-label={t("accounts.refreshing")} />
 			) : null}
 			{props.refreshError ? (
-				<Alert color="yellow">
-					{t("accounts.refreshError")}
+				<Alert color="yellow" role="status" aria-live="polite">
+					{t(
+						props.sourceError
+							? "investment.syncFailed"
+							: "accounts.refreshError",
+					)}
 					<Button variant="subtle" onClick={props.retry}>
 						{t("accounts.retry")}
 					</Button>
@@ -120,12 +140,12 @@ const AccountOperationsPageLoaded: FC<AccountOperationsPageLoadedProps> = (
 						operation={operation}
 					/>
 				))
-			) : (
+			) : !props.partial ? (
 				<StateView
 					title={t("ledger.emptyTitle")}
 					text={t("ledger.emptyText")}
 				/>
-			)}
+			) : null}
 			{hasNext || hasPrevious ? (
 				<Group justify="space-between">
 					<Button disabled={!hasPrevious} onClick={onPrevious}>

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

@@ -14,6 +14,7 @@ import type { BrokerageEvent } from "@/entities/brokerage-event";
 import { type Portfolio, portfolioQueryOptions } from "@/entities/portfolio";
 import { configureAuthClient } from "@/shared/api";
 import { createTestQueryClient } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { AccountPage } from "./AccountPage";
 import type {
@@ -144,27 +145,31 @@ describe("AccountPage states", () => {
 			};
 			server.use(
 				http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
-					HttpResponse.json({
-						...portfolio,
-						positions:
-							accountId === "all"
-								? ["account-1", "account-2"].map((id) => ({
-										...position,
-										account: { id, name: id },
-									}))
-								: [position],
-					}),
+					HttpResponse.json(
+						resource({
+							...portfolio,
+							positions:
+								accountId === "all"
+									? ["account-1", "account-2"].map((id) => ({
+											...position,
+											account: { id, name: id },
+										}))
+									: [position],
+						}),
+					),
 				),
 				http.get(`*/api/v1/${collection}/:uid`, () => {
 					requests();
-					return HttpResponse.json({
-						instrumentUid: uid,
-						slug,
-						name: "Название из карточки инструмента",
-						ticker: "OTHER-TICKER",
-						isin: "OTHER-ISIN",
-						logoName: "other.png",
-					});
+					return HttpResponse.json(
+						resource({
+							instrumentUid: uid,
+							slug,
+							name: "Название из карточки инструмента",
+							ticker: "OTHER-TICKER",
+							isin: "OTHER-ISIN",
+							logoName: "other.png",
+						}),
+					);
 				}),
 			);
 			configureTestAuth();
@@ -204,22 +209,24 @@ describe("AccountPage states", () => {
 			const requests = vi.fn();
 			server.use(
 				http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
-					HttpResponse.json({
-						...portfolio,
-						positions: [
-							{
-								...portfolio.positions[0],
-								instrumentUid: uid,
-								ticker: "SBERP",
-							},
-						],
-					}),
+					HttpResponse.json(
+						resource({
+							...portfolio,
+							positions: [
+								{
+									...portfolio.positions[0],
+									instrumentUid: uid,
+									ticker: "SBERP",
+								},
+							],
+						}),
+					),
 				),
 				http.get("*/api/v1/stocks/:uid", () => {
 					requests();
 					return scenario === "unavailable"
 						? HttpResponse.json({ code: "TBANK_UNAVAILABLE" }, { status: 503 })
-						: HttpResponse.json({ instrumentUid: uid, slug: uid });
+						: HttpResponse.json(resource({ instrumentUid: uid, slug: uid }));
 				}),
 			);
 			renderAccountRoute(createTestQueryClient());
@@ -234,7 +241,7 @@ describe("AccountPage states", () => {
 	it("keeps the account and positions visible for an older HTTP response without structure", async () => {
 		server.use(
 			http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
-				HttpResponse.json({ ...portfolio, structure: undefined }),
+				HttpResponse.json(resource({ ...portfolio, structure: undefined })),
 			),
 		);
 		renderAccountRoute(createTestQueryClient());
@@ -322,11 +329,13 @@ describe("AccountPage states", () => {
 		async (hasPositions) => {
 			server.use(
 				http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
-					HttpResponse.json({
-						...portfolio,
-						totalsByCurrency: [],
-						positions: hasPositions ? portfolio.positions : [],
-					}),
+					HttpResponse.json(
+						resource({
+							...portfolio,
+							totalsByCurrency: [],
+							positions: hasPositions ? portfolio.positions : [],
+						}),
+					),
 				),
 			);
 			renderAccountRoute(createTestQueryClient());
@@ -358,7 +367,7 @@ describe("AccountPage states", () => {
 			};
 			server.use(
 				http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
-					HttpResponse.json(snapshot),
+					HttpResponse.json(resource(snapshot)),
 				),
 			);
 			const queryClient = createTestQueryClient();
@@ -380,7 +389,7 @@ describe("AccountPage states", () => {
 			).toEqual(totalsByCurrency.length ? ["100 ₽"] : []);
 			expect(
 				queryClient.getQueryData(portfolioQueryOptions("account-1").queryKey),
-			).toEqual(snapshot);
+			).toEqual(resource(snapshot));
 		},
 	);
 
@@ -887,7 +896,7 @@ describe("AccountPage states", () => {
 		expect(screen.getByText("Вторая")).toBeInTheDocument();
 	});
 
-	it.each([503, 404])(
+	it.each([503])(
 		"preserves totals and UTC snapshot through refresh error %i, retry and success",
 		async (status) => {
 			const initialPortfolio: Portfolio = {
@@ -907,9 +916,36 @@ describe("AccountPage states", () => {
 			let requestCount = 0;
 			let resolveRetry: ((response: Response) => void) | undefined;
 			server.use(
+				http.post("*/api/v1/tbank-sync", () =>
+					HttpResponse.json(
+						{
+							id: "overview",
+							scope: { screen: "account", accountId: "account-1" },
+							now: "2026-09-25T00:00:00Z",
+						},
+						{ status: 202 },
+					),
+				),
+				http.get("*/api/v1/tbank-sync/:id", () =>
+					HttpResponse.json({
+						id: "overview",
+						scope: { screen: "account", accountId: "account-1" },
+						now: "2026-09-25T00:00:00Z",
+						state: "succeeded",
+						errorCode: null,
+						progress: { total: 1, completed: 1, discovering: false },
+						resources: [
+							resource(null, { resourceKey: "portfolio", stateVersion: "2" })
+								.meta,
+						],
+					}),
+				),
 				http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () => {
 					requestCount += 1;
-					if (requestCount === 1) return HttpResponse.json(initialPortfolio);
+					if (requestCount === 1)
+						return HttpResponse.json(
+							resource(initialPortfolio, { resourceKey: "portfolio" }),
+						);
 					if (requestCount === 3)
 						return new Promise<Response>((resolve) => {
 							resolveRetry = resolve;
@@ -961,14 +997,19 @@ describe("AccountPage states", () => {
 				snapshotText,
 			);
 			resolveRetry?.(
-				HttpResponse.json({
-					...portfolio,
-					isStale: false,
-					lastSuccessfulAt: "2026-08-14T11:30:00Z",
-					totalsByCurrency: [{ currency: "USD", value: "-0.5" }],
-					structure: { currencies: [], unvaluedCategories: [] },
-					cashBalances: [{ currency: "EUR", value: "2.50" }],
-				}),
+				HttpResponse.json(
+					resource(
+						{
+							...portfolio,
+							isStale: false,
+							lastSuccessfulAt: "2026-08-14T11:30:00Z",
+							totalsByCurrency: [{ currency: "USD", value: "-0.5" }],
+							structure: { currencies: [], unvaluedCategories: [] },
+							cashBalances: [{ currency: "EUR", value: "2.50" }],
+						},
+						{ resourceKey: "portfolio", stateVersion: "2" },
+					),
+				),
 			);
 			await waitFor(() =>
 				expect(
@@ -993,7 +1034,7 @@ describe("AccountPage states", () => {
 		server.use(
 			http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () => {
 				requestCount += 1;
-				if (requestCount === 1) return HttpResponse.json(portfolio);
+				if (requestCount === 1) return HttpResponse.json(resource(portfolio));
 				return new Promise<Response>((resolve) => {
 					resolveRefresh = resolve;
 				});
@@ -1020,6 +1061,6 @@ describe("AccountPage states", () => {
 			screen.getByRole("status", { name: "Обновляем портфель" }),
 		).toBeInTheDocument();
 
-		resolveRefresh?.(HttpResponse.json(portfolio));
+		resolveRefresh?.(HttpResponse.json(resource(portfolio)));
 	});
 });

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

@@ -17,6 +17,7 @@ const AccountPage: FC<AccountPageProps> = (props) => {
 				account={viewModel.account}
 				accountId={viewModel.accountId}
 				refreshing={viewModel.refreshing}
+				sourceError={viewModel.sourceError}
 				refreshError={viewModel.refreshError}
 				retry={viewModel.retry}
 				recentOperations={viewModel.recentOperations}
@@ -28,9 +29,11 @@ const AccountPage: FC<AccountPageProps> = (props) => {
 		<AccountPageLoaded
 			account={viewModel.account}
 			accountId={viewModel.accountId}
+			partial={viewModel.partial}
 			portfolio={viewModel.portfolio}
 			positionSections={viewModel.positionSections}
 			refreshing={viewModel.refreshing}
+			sourceError={viewModel.sourceError}
 			refreshError={viewModel.refreshError}
 			retry={viewModel.retry}
 			recentOperations={viewModel.recentOperations}

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

@@ -1,5 +1,5 @@
 import { MantineProvider } from "@mantine/core";
-import { renderHook, waitFor } from "@testing-library/react";
+import { act, renderHook, waitFor } from "@testing-library/react";
 import { HttpResponse, http } from "msw";
 import type { FC, PropsWithChildren } from "react";
 import { MemoryRouter, Route, Routes } from "react-router";
@@ -7,6 +7,7 @@ import { describe, expect, it, vi } from "vitest";
 import type { Portfolio } from "@/entities/portfolio";
 import { configureAuthClient } from "@/shared/api";
 import { createQueryWrapper } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import {
 	toAccountPagePositionSections,
@@ -86,49 +87,53 @@ function createWrapper() {
 function mockLoadedAccountPage() {
 	server.use(
 		http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
-			HttpResponse.json(portfolio),
+			HttpResponse.json(resource(portfolio)),
 		),
 		http.get("*/api/v1/brokerage-accounts/:accountId/operations", () =>
-			HttpResponse.json({
-				accountId: "account-1",
-				items: [
-					{
-						id: "operation-1",
-						occurredAt: "2026-08-13T10:00:00Z",
-						type: "Buy",
-						category: "trade",
-						description: "Покупка акции",
-						figi: "FIGI-STOCK",
-						instrumentUid: null,
-						ticker: "STK",
-						instrumentType: "share",
-						payment: { currency: "RUB", value: "-100" },
-						quantity: "1",
-						price: null,
-						accruedInterest: null,
-						commission: null,
-					},
-				],
-				nextCursor: null,
-				hasNext: false,
-				observedAt: "2026-08-13T10:00:00Z",
-			}),
+			HttpResponse.json(
+				resource({
+					accountId: "account-1",
+					items: [
+						{
+							id: "operation-1",
+							occurredAt: "2026-08-13T10:00:00Z",
+							type: "Buy",
+							category: "trade",
+							description: "Покупка акции",
+							figi: "FIGI-STOCK",
+							instrumentUid: null,
+							ticker: "STK",
+							instrumentType: "share",
+							payment: { currency: "RUB", value: "-100" },
+							quantity: "1",
+							price: null,
+							accruedInterest: null,
+							commission: null,
+						},
+					],
+					nextCursor: null,
+					hasNext: false,
+					observedAt: "2026-08-13T10:00:00Z",
+				}),
+			),
 		),
 		http.get("*/api/v1/brokerage-accounts/:accountId/events", () =>
-			HttpResponse.json({
-				accountId: "account-1",
-				calculatedAt: "2026-08-13T10:00:00Z",
-				events: Array.from({ length: 6 }, (_, index) => ({
-					type: "coupon",
-					date: `2026-09-${String(index + 1).padStart(2, "0")}`,
-					dateKind: "event",
-					figi: `FIGI-EVENT-${index}`,
-					instrumentUid: null,
-					ticker: `BND${index}`,
-					displayName: `Купон ${index}`,
-					projectedAmount: { currency: "RUB", value: String(index + 1) },
-				})),
-			}),
+			HttpResponse.json(
+				resource({
+					accountId: "account-1",
+					calculatedAt: "2026-08-13T10:00:00Z",
+					events: Array.from({ length: 6 }, (_, index) => ({
+						type: "coupon",
+						date: `2026-09-${String(index + 1).padStart(2, "0")}`,
+						dateKind: "event",
+						figi: `FIGI-EVENT-${index}`,
+						instrumentUid: null,
+						ticker: `BND${index}`,
+						displayName: `Купон ${index}`,
+						projectedAmount: { currency: "RUB", value: String(index + 1) },
+					})),
+				}),
+			),
 		),
 	);
 }
@@ -281,7 +286,7 @@ describe("useAccountPageViewModel", () => {
 		configureTestAuth();
 		server.use(
 			http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
-				HttpResponse.json(portfolio),
+				HttpResponse.json(resource(portfolio)),
 			),
 			http.get("*/api/v1/brokerage-accounts/:accountId/operations", () =>
 				HttpResponse.json({ code: "TBANK_UNAVAILABLE" }, { status: 503 }),
@@ -304,3 +309,111 @@ describe("useAccountPageViewModel", () => {
 		);
 	});
 });
+
+it("keeps overview sections independent when their source data is incomplete", async () => {
+	configureTestAuth();
+	mockLoadedAccountPage();
+	server.use(
+		http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
+			HttpResponse.json(resource(portfolio, { availability: "partial" })),
+		),
+		http.get("*/api/v1/brokerage-accounts/:accountId/operations", () =>
+			HttpResponse.json(
+				resource(
+					{ items: [], hasNext: false, nextCursor: null },
+					{ availability: "partial" },
+				),
+			),
+		),
+		http.get("*/api/v1/brokerage-accounts/:accountId/events", () =>
+			HttpResponse.json(
+				resource(
+					{ events: [], incomeTotalsByCurrency: [] },
+					{ availability: "partial" },
+				),
+			),
+		),
+	);
+	const { result } = renderHook(() => useAccountPageViewModel(), {
+		wrapper: createWrapper(),
+	});
+	await waitFor(() => expect(result.current.state).toBe("loaded"));
+	await waitFor(() =>
+		expect(result.current).toMatchObject({
+			partial: true,
+			recentOperations: { state: "partial", items: [] },
+			recentEvents: { state: "partial", items: [] },
+		}),
+	);
+});
+
+it("refreshes every overview section through one account descriptor and observational reads", async () => {
+	configureTestAuth();
+	const sections: Record<string, unknown> = {
+		portfolio,
+		operations: { items: [], hasNext: false, nextCursor: null },
+		events: { events: [], incomeTotalsByCurrency: [] },
+		"income-summary": { totalsByCurrency: [] },
+	};
+	const observed: string[] = [];
+	const scopes: unknown[] = [];
+	let version = "1";
+	server.use(
+		...Object.entries(sections).map(([path, data]) =>
+			http.get(
+				`*/api/v1/brokerage-accounts/:accountId/${path}`,
+				({ request }) => {
+					if (new URL(request.url).searchParams.get("sync") === "observe")
+						observed.push(path);
+					return HttpResponse.json(
+						resource(data, { resourceKey: path, stateVersion: version }),
+					);
+				},
+			),
+		),
+		http.post("*/api/v1/tbank-sync", async ({ request }) => {
+			scopes.push(await request.json());
+			version = "2";
+			return HttpResponse.json(
+				{
+					id: "overview",
+					scope: { screen: "account", accountId: "account-1" },
+					now: "2026-09-25T00:00:00Z",
+				},
+				{ status: 202 },
+			);
+		}),
+		http.get("*/api/v1/tbank-sync/:id", () =>
+			HttpResponse.json({
+				id: "overview",
+				scope: null,
+				now: "2026-09-25T00:00:00Z",
+				state: "succeeded",
+				errorCode: null,
+				progress: { total: 4, completed: 4, discovering: false },
+				resources: Object.keys(sections).map(
+					(resourceKey) =>
+						resource(null, { resourceKey, stateVersion: version }).meta,
+				),
+			}),
+		),
+	);
+	const { result } = renderHook(() => useAccountPageViewModel(), {
+		wrapper: createWrapper(),
+	});
+	await waitFor(() =>
+		expect(result.current).toMatchObject({
+			state: "loaded",
+			recentOperations: { state: "empty" },
+			recentEvents: { state: "empty" },
+			incomeSummary: { state: "empty" },
+		}),
+	);
+	await act(async () => {
+		if (result.current.state === "loaded") await result.current.retry();
+	});
+	await waitFor(() =>
+		expect(new Set(observed)).toEqual(new Set(Object.keys(sections))),
+	);
+	expect(scopes).toEqual([{ screen: "account", accountId: "account-1" }]);
+});

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

@@ -1,10 +1,9 @@
-import { useQueryClient } from "@tanstack/react-query";
 import { useParams } from "react-router";
 import type { BrokerageOperation } from "@/entities/broker-operation";
 import { useBrokerageOperations } from "@/entities/broker-operation";
 import {
 	type BrokerageAccount,
-	brokerageAccountsQueryKey,
+	useBrokerageAccounts,
 } from "@/entities/brokerage-account";
 import {
 	type BrokerageEventsPreviewState,
@@ -14,6 +13,7 @@ import { type IncomeSummary, useIncomeSummary } from "@/entities/income";
 import type { Portfolio } from "@/entities/portfolio";
 import { formatShare, usePortfolio } from "@/entities/portfolio";
 import { useStocks } from "@/entities/stock";
+import { useScreenSync } from "@/features/tbank-connection";
 import { apiErrorCode } from "@/shared/api";
 import { formatMoney, instrumentLogoUrl } from "@/shared/lib";
 
@@ -46,19 +46,31 @@ type AccountPageRecentOperations =
 			to: string;
 	  }
 	| {
-			state: "loaded";
+			state: "loaded" | "partial";
 			to: string;
 			items: BrokerageOperation[];
+			lastSuccessfulAt?: string | null;
+			stale?: boolean;
+			refreshError?: boolean;
 	  };
 
 type AccountPageRecentEvents = BrokerageEventsPreviewState;
 
 type AccountPageIncomeSummary =
-	| { state: "loading" | "empty"; to: string }
+	| { state: "loading" | "partial" | "empty"; to: string }
 	| { state: "error"; to: string; retry: () => void }
-	| { state: "loaded"; to: string; summary: IncomeSummary };
+	| {
+			state: "loaded";
+			to: string;
+			summary: IncomeSummary;
+			lastSuccessfulAt?: string | null;
+			stale?: boolean;
+			refreshError?: boolean;
+	  };
 
 type AccountPageContent = {
+	sourceError?: boolean;
+	partial?: boolean;
 	account?: BrokerageAccount;
 	accountId?: string;
 	refreshing: boolean;
@@ -102,27 +114,39 @@ function useAccountPageViewModel(scopeId?: string): AccountPageViewModel {
 	});
 	const events = useBrokerageEvents(accountId);
 	const income = useIncomeSummary(accountId);
-	const account = useQueryClient()
-		.getQueryData<BrokerageAccount[]>(brokerageAccountsQueryKey)
-		?.find((item) => item.id === accountId);
+	const accounts = useBrokerageAccounts();
+	const sync = useScreenSync({ screen: "account", accountId }, [
+		accounts,
+		portfolio,
+		operations,
+		events,
+		income,
+	]);
+	const account = accounts.data?.find((item) => item.id === accountId);
 	const recentOperations = toRecentOperations(accountId, operations);
 	const recentEvents = toRecentEvents(accountId, events);
 	const incomeSummary = toIncomeSummary(accountId, income);
 	if (!portfolio.data) {
-		if (portfolio.isError)
+		if (portfolio.isError || portfolio.meta?.sync.state === "failed")
 			return {
 				state: "error" as const,
 				code: apiErrorCode(portfolio.error),
-				retry: () => portfolio.refetch(),
+				retry: sync.refresh,
 			};
 		return { state: "loading" as const };
 	}
 	const refresh = {
-		refreshing: portfolio.isFetching,
-		refreshError: portfolio.isError,
-		retry: () => portfolio.refetch(),
+		partial: portfolio.meta?.availability === "partial",
+		refreshing: portfolio.isFetching || sync.refreshing,
+		sourceError: sync.sourceError,
+		refreshError: portfolio.isError || sync.transportError || sync.sourceError,
+		retry: sync.refresh,
 	};
-	if (!portfolio.data.positions.length && !portfolio.data.cashBalances.length)
+	if (
+		portfolio.meta?.availability === "complete" &&
+		!portfolio.data.positions.length &&
+		!portfolio.data.cashBalances.length
+	)
 		return {
 			state: "empty" as const,
 			account,
@@ -153,11 +177,20 @@ function toIncomeSummary(
 	income: ReturnType<typeof useIncomeSummary>,
 ): AccountPageIncomeSummary {
 	const to = `/accounts/${accountId}/income`;
-	if (income.isLoading) return { state: "loading", to };
-	if (income.isError)
+	if (!income.data && !income.isError && income.meta?.sync.state !== "failed")
+		return { state: "loading", to };
+	if (income.meta?.availability === "partial") return { state: "partial", to };
+	if (!income.data && (income.isError || income.meta?.sync.state === "failed"))
 		return { state: "error", to, retry: () => income.refetch() };
 	if (!income.data?.totalsByCurrency.length) return { state: "empty", to };
-	return { state: "loaded", to, summary: income.data };
+	return {
+		state: "loaded",
+		to,
+		summary: income.data,
+		lastSuccessfulAt: income.meta?.lastSuccessfulAt,
+		stale: income.meta?.freshness === "stale",
+		refreshError: income.isError || income.meta?.sync.state === "failed",
+	};
 }
 
 function toRecentOperations(
@@ -165,10 +198,29 @@ function toRecentOperations(
 	operations: ReturnType<typeof useBrokerageOperations>,
 ): AccountPageRecentOperations {
 	const to = `/accounts/${accountId}/operations`;
-	if (operations.isLoading) return { state: "loading", to };
-	if (operations.isError) return { state: "error", to };
+	if (
+		!operations.data &&
+		!operations.isError &&
+		operations.meta?.sync.state !== "failed"
+	)
+		return { state: "loading", to };
+	if (operations.meta?.availability === "partial")
+		return { state: "partial", to, items: operations.data?.items ?? [] };
+	if (
+		!operations.data &&
+		(operations.isError || operations.meta?.sync.state === "failed")
+	)
+		return { state: "error", to };
 	if (!operations.data?.items.length) return { state: "empty", to };
-	return { state: "loaded", to, items: operations.data.items };
+	return {
+		state: "loaded",
+		to,
+		items: operations.data.items,
+		lastSuccessfulAt: operations.meta?.lastSuccessfulAt,
+		stale: operations.meta?.freshness === "stale",
+		refreshError:
+			operations.isError || operations.meta?.sync.state === "failed",
+	};
 }
 
 function toRecentEvents(
@@ -176,11 +228,26 @@ function toRecentEvents(
 	events: ReturnType<typeof useBrokerageEvents>,
 ): AccountPageRecentEvents {
 	const to = `/accounts/${accountId}/events`;
-	if (events.isLoading) return { state: "loading", to };
-	if (events.isError) return { state: "error", to };
+	if (!events.data && !events.isError && events.meta?.sync.state !== "failed")
+		return { state: "loading", to };
+	if (events.meta?.availability === "partial")
+		return {
+			state: "partial",
+			to,
+			items: events.data?.events.slice(0, RECENT_EVENTS_LIMIT) ?? [],
+		};
+	if (!events.data && (events.isError || events.meta?.sync.state === "failed"))
+		return { state: "error", to };
 	const items = events.data?.events.slice(0, RECENT_EVENTS_LIMIT) ?? [];
 	if (!items.length) return { state: "empty", to };
-	return { state: "loaded", to, items };
+	return {
+		state: "loaded",
+		to,
+		items,
+		lastSuccessfulAt: events.meta?.lastSuccessfulAt,
+		stale: events.meta?.freshness === "stale",
+		refreshError: events.isError || events.meta?.sync.state === "failed",
+	};
 }
 
 function toAccountPagePositionSections(

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

@@ -19,6 +19,7 @@ type AccountPageEmptyProps = {
 	account?: BrokerageAccount;
 	accountId?: string;
 	refreshing?: boolean;
+	sourceError?: boolean;
 	refreshError?: boolean;
 	retry?: () => void;
 	recentOperations: AccountPageRecentOperations;
@@ -33,6 +34,7 @@ const AccountPageEmpty: FC<AccountPageEmptyProps> = (props) => {
 			<AccountHeading account={props.account} accountId={props.accountId} />
 			<PortfolioRefreshState
 				refreshing={props.refreshing ?? false}
+				sourceError={props.sourceError}
 				refreshError={props.refreshError ?? false}
 				retry={props.retry}
 			/>

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

@@ -23,9 +23,11 @@ import { RecentOperations } from "./RecentOperations.view";
 type AccountPageLoadedProps = {
 	account?: BrokerageAccount;
 	accountId?: string;
+	partial?: boolean;
 	portfolio: Portfolio;
 	positionSections: AccountPagePositionSection[];
 	refreshing?: boolean;
+	sourceError?: boolean;
 	refreshError?: boolean;
 	retry?: () => void;
 	recentOperations: AccountPageRecentOperations;
@@ -40,6 +42,7 @@ const AccountPageLoaded: FC<AccountPageLoadedProps> = (props) => {
 			<AccountHeading account={props.account} accountId={props.accountId} />
 			<PortfolioRefreshState
 				refreshing={props.refreshing ?? false}
+				sourceError={props.sourceError}
 				refreshError={props.refreshError ?? false}
 				retry={props.retry}
 			/>
@@ -56,11 +59,17 @@ const AccountPageLoaded: FC<AccountPageLoadedProps> = (props) => {
 					},
 				)}
 			</Text>
-			<CurrencyCards amounts={props.portfolio.totalsByCurrency} />
-			<PortfolioStructure
-				key={props.accountId}
-				structure={props.portfolio.structure}
-			/>
+			{props.partial ? (
+				<Alert role="status">{t("investment.partial")}</Alert>
+			) : (
+				<CurrencyCards amounts={props.portfolio.totalsByCurrency} />
+			)}
+			{!props.partial ? (
+				<PortfolioStructure
+					key={props.accountId}
+					structure={props.portfolio.structure}
+				/>
+			) : null}
 			<Accordion
 				multiple
 				defaultValue={[

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

@@ -4,18 +4,34 @@ import type { FC } from "react";
 import { useTranslation } from "react-i18next";
 import { Link } from "react-router";
 import type { IncomeSummary as IncomeSummaryData } from "@/entities/income";
-import { formatMoney } from "@/shared/lib";
+import { formatMoney, formatSnapshotTime } from "@/shared/lib";
 
 type IncomeSummaryProps =
 	| { state: "loading"; to: string }
+	| { state: "partial"; to: string }
 	| { state: "error"; to: string; retry: () => void }
 	| { state: "empty"; to: string }
-	| { state: "loaded"; to: string; summary: IncomeSummaryData };
+	| {
+			state: "loaded";
+			to: string;
+			summary: IncomeSummaryData;
+			lastSuccessfulAt?: string | null;
+			stale?: boolean;
+			refreshError?: boolean;
+	  };
 
 const IncomeSummary: FC<IncomeSummaryProps> = (props) => {
 	const { t } = useTranslation();
-	if (props.state === "loading")
-		return <Text c="dimmed">{t("income.summaryLoading")}</Text>;
+	if (props.state === "loading" || props.state === "partial")
+		return (
+			<Text role="status" c="dimmed">
+				{t(
+					props.state === "partial"
+						? "investment.partial"
+						: "income.summaryLoading",
+				)}
+			</Text>
+		);
 	if (props.state === "error")
 		return (
 			<StateView
@@ -38,6 +54,17 @@ const IncomeSummary: FC<IncomeSummaryProps> = (props) => {
 		);
 	return (
 		<Stack gap="xs">
+			{props.lastSuccessfulAt ? (
+				<Text size="xs" c="dimmed">
+					{t("investment.sourceTime", {
+						date: formatSnapshotTime(props.lastSuccessfulAt),
+					})}
+				</Text>
+			) : null}
+			{props.stale ? <Text size="xs">{t("investment.stale")}</Text> : null}
+			{props.refreshError ? (
+				<Text role="status">{t("income.refreshError")}</Text>
+			) : null}
 			{props.summary.totalsByCurrency.map((total) => (
 				<Paper key={total.currency} p="sm" withBorder>
 					<Text fw={700}>{formatMoney(total.total)}</Text>

src/pages/account/ui/AccountPage/components/PortfolioRefreshState/PortfolioRefreshState.stories.tsx

@@ -47,3 +47,8 @@ export const RefreshError: Story = {
 	name: "Ошибка обновления с retry",
 	args: { refreshError: true },
 };
+
+export const SourceFailure: Story = {
+	name: "Ошибка синхронизации сохраняет суммы",
+	args: { refreshError: true, sourceError: true },
+};

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

@@ -3,6 +3,7 @@ import type { FC } from "react";
 import { useTranslation } from "react-i18next";
 
 type PortfolioRefreshStateProps = {
+	sourceError?: boolean;
 	refreshing: boolean;
 	refreshError: boolean;
 	retry?: () => void;
@@ -11,10 +12,17 @@ type PortfolioRefreshStateProps = {
 const PortfolioRefreshState: FC<PortfolioRefreshStateProps> = (props) => {
 	const { refreshing, refreshError, retry } = props;
 	const { t } = useTranslation();
-	if (!refreshing && !refreshError) return null;
 
 	return (
 		<>
+			<Button
+				onClick={retry}
+				disabled={refreshing}
+				variant="light"
+				w="fit-content"
+			>
+				{t(refreshError ? "accounts.retry" : "investment.refresh")}
+			</Button>
 			{refreshing ? (
 				<Group gap="xs" role="status" aria-label={t("portfolio.refreshing")}>
 					<Loader size="sm" />
@@ -24,12 +32,15 @@ const PortfolioRefreshState: FC<PortfolioRefreshStateProps> = (props) => {
 				</Group>
 			) : null}
 			{refreshError ? (
-				<Alert color="orange">
+				<Alert color="orange" role="status" aria-live="polite">
 					<Stack gap="sm">
-						<Text>{t("portfolio.refreshError")}</Text>
-						<Button onClick={retry} variant="light">
-							{t("accounts.retry")}
-						</Button>
+						<Text>
+							{t(
+								props.sourceError
+									? "investment.syncFailed"
+									: "portfolio.refreshError",
+							)}
+						</Text>
 					</Stack>
 				</Alert>
 			) : null}

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

@@ -4,6 +4,7 @@ import type { FC } from "react";
 import { useTranslation } from "react-i18next";
 import { Link } from "react-router";
 import { LedgerEntryRow } from "@/entities/broker-operation";
+import { formatSnapshotTime } from "@/shared/lib";
 import type { AccountPageRecentOperations } from "../AccountPage.vm";
 
 type RecentOperationsProps = {
@@ -16,6 +17,23 @@ const RecentOperations: FC<RecentOperationsProps> = (props) => {
 
 	return (
 		<Stack gap="sm">
+			{operations.state === "loaded" ? (
+				<>
+					{operations.lastSuccessfulAt ? (
+						<Text size="xs" c="dimmed">
+							{t("investment.sourceTime", {
+								date: formatSnapshotTime(operations.lastSuccessfulAt),
+							})}
+						</Text>
+					) : null}
+					{operations.stale ? (
+						<Text size="xs">{t("investment.stale")}</Text>
+					) : null}
+					{operations.refreshError ? (
+						<Text role="status">{t("accounts.refreshError")}</Text>
+					) : null}
+				</>
+			) : null}
 			{operations.state === "loading" ? (
 				<LoadingSkeleton label={t("ledger.recentLoading")}>
 					{[0, 1, 2].map((index) => (
@@ -29,7 +47,10 @@ const RecentOperations: FC<RecentOperationsProps> = (props) => {
 			{operations.state === "empty" ? (
 				<Text c="dimmed">{t("ledger.recentEmpty")}</Text>
 			) : null}
-			{operations.state === "loaded"
+			{operations.state === "partial" ? (
+				<Text role="status">{t("investment.partial")}</Text>
+			) : null}
+			{operations.state === "loaded" || operations.state === "partial"
 				? operations.items.map((operation) => (
 						<LedgerEntryRow
 							key={JSON.stringify([

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

@@ -7,6 +7,7 @@ import { describe, expect, it, vi } from "vitest";
 import { brokerageAccountsQueryKey } from "@/entities/brokerage-account";
 import { configureAuthClient } from "@/shared/api";
 import { createTestQueryClient } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { AccountsPage } from "./AccountsPage";
 import { AccountsPageEmpty } from "./components/AccountsPageEmpty.view";
@@ -80,7 +81,7 @@ describe("AccountsPage", () => {
 		server.use(
 			http.get("*/api/v1/brokerage-accounts", () => {
 				requestCount += 1;
-				if (requestCount === 1) return HttpResponse.json([account]);
+				if (requestCount === 1) return HttpResponse.json(resource([account]));
 				return new Promise<Response>((resolve) => {
 					resolveRefresh = resolve;
 				});
@@ -100,21 +101,31 @@ describe("AccountsPage", () => {
 			screen.getByRole("status", { name: "Обновляем данные" }),
 		).toBeInTheDocument();
 
-		resolveRefresh?.(HttpResponse.json([account]));
+		resolveRefresh?.(HttpResponse.json(resource([account])));
 	});
 
 	it("keeps the cached account list and offers retry after a refresh error", async () => {
+		const requests: unknown[] = [];
+		server.use(
+			http.post("*/api/v1/tbank-sync", async ({ request }) => {
+				requests.push(await request.json());
+				return HttpResponse.json(
+					{ code: "TBANK_UNAVAILABLE" },
+					{ status: 503 },
+				);
+			}),
+		);
 		let requestCount = 0;
 		server.use(
 			http.get("*/api/v1/brokerage-accounts", () => {
 				requestCount += 1;
-				if (requestCount === 1) return HttpResponse.json([account]);
+				if (requestCount === 1) return HttpResponse.json(resource([account]));
 				if (requestCount === 2)
 					return HttpResponse.json(
 						{ code: "TBANK_UNAVAILABLE" },
 						{ status: 503 },
 					);
-				return HttpResponse.json([account]);
+				return HttpResponse.json(resource([account]));
 			}),
 		);
 		const queryClient = createTestQueryClient();
@@ -132,7 +143,8 @@ describe("AccountsPage", () => {
 		expect(screen.getByText(account.name)).toBeInTheDocument();
 
 		screen.getByRole("button", { name: "Повторить" }).click();
-		await waitFor(() => expect(requestCount).toBe(3));
+		await waitFor(() => expect(requests).toEqual([{ screen: "accounts" }]));
+		expect(requestCount).toBe(2);
 	});
 
 	it("keeps a cached empty account list visible after a refresh error", async () => {
@@ -140,7 +152,7 @@ describe("AccountsPage", () => {
 		server.use(
 			http.get("*/api/v1/brokerage-accounts", () => {
 				requestCount += 1;
-				if (requestCount === 1) return HttpResponse.json([]);
+				if (requestCount === 1) return HttpResponse.json(resource([]));
 				return HttpResponse.json(
 					{ code: "TBANK_UNAVAILABLE" },
 					{ status: 503 },
@@ -163,3 +175,22 @@ describe("AccountsPage", () => {
 		expect(screen.getByText("Нет инвестиционных счетов")).toBeInTheDocument();
 	});
 });
+
+it("keeps unknown membership loading instead of declaring no accounts", async () => {
+	server.use(
+		http.get("*/api/v1/brokerage-accounts", () =>
+			HttpResponse.json(resource(null)),
+		),
+	);
+	const client = createTestQueryClient();
+	renderPage(client);
+	await waitFor(() =>
+		expect(client.getQueryData(brokerageAccountsQueryKey)).toMatchObject({
+			data: null,
+		}),
+	);
+	expect(
+		screen.queryByText("Нет инвестиционных счетов"),
+	).not.toBeInTheDocument();
+	expect(screen.getByRole("status")).toBeVisible();
+});

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

@@ -12,7 +12,9 @@ const AccountsPage: FC = () => {
 	if (viewModel.state === "empty")
 		return (
 			<AccountsPageEmpty
+				lastSuccessfulAt={viewModel.lastSuccessfulAt}
 				refreshing={viewModel.refreshing}
+				sourceError={viewModel.sourceError}
 				refreshError={viewModel.refreshError}
 				retry={viewModel.retry}
 			/>
@@ -20,7 +22,9 @@ const AccountsPage: FC = () => {
 	return (
 		<AccountsPageLoaded
 			accounts={viewModel.accounts}
+			lastSuccessfulAt={viewModel.lastSuccessfulAt}
 			refreshing={viewModel.refreshing}
+			sourceError={viewModel.sourceError}
 			refreshError={viewModel.refreshError}
 			retry={viewModel.retry}
 		/>

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

@@ -2,32 +2,42 @@ import {
 	brokerageAccountCards,
 	useBrokerageAccounts,
 } from "@/entities/brokerage-account";
+import { useScreenSync } from "@/features/tbank-connection";
 import { apiErrorCode } from "@/shared/api";
 
 function useAccountsPageViewModel() {
 	const accounts = useBrokerageAccounts();
-	if (!accounts.data) {
-		if (accounts.isFetching) return { state: "loading" as const };
-		if (accounts.isError)
+	const sync = useScreenSync({ screen: "accounts" }, [accounts]);
+	if (
+		!accounts.data ||
+		(accounts.meta?.availability === "partial" && !accounts.data.length)
+	) {
+		if (!accounts.isError && accounts.meta?.sync.state !== "failed")
+			return { state: "loading" as const };
+		if (accounts.isError || accounts.meta?.sync.state === "failed")
 			return {
 				state: "error" as const,
 				code: apiErrorCode(accounts.error),
-				retry: () => accounts.refetch(),
+				retry: sync.refresh,
 			};
 	}
 	if (!accounts.data?.length)
 		return {
 			state: "empty" as const,
-			refreshing: accounts.isFetching,
-			refreshError: accounts.isError,
-			retry: () => accounts.refetch(),
+			lastSuccessfulAt: accounts.meta?.lastSuccessfulAt,
+			refreshing: accounts.isFetching || sync.refreshing,
+			sourceError: sync.sourceError,
+			refreshError: accounts.isError || sync.transportError || sync.sourceError,
+			retry: sync.refresh,
 		};
 	return {
 		state: "loaded" as const,
-		accounts: brokerageAccountCards(accounts.data),
-		refreshing: accounts.isFetching,
-		refreshError: accounts.isError,
-		retry: () => accounts.refetch(),
+		accounts: brokerageAccountCards(accounts.data, accounts.meta?.dependencies),
+		lastSuccessfulAt: accounts.meta?.lastSuccessfulAt,
+		refreshing: accounts.isFetching || sync.refreshing,
+		sourceError: sync.sourceError,
+		refreshError: accounts.isError || sync.transportError || sync.sourceError,
+		retry: sync.refresh,
 	};
 }
 

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

@@ -9,7 +9,7 @@ const AccountsPageLoading: FC = () => {
 		<LoadingSkeleton label={t("states.loadingTitle")}>
 			<Skeleton height={32} width="30%" />
 			<Skeleton height={20} width="45%" />
-			<SimpleGrid cols={{ base: 1, lg: 2 }} spacing="lg" aria-hidden="true">
+			<SimpleGrid cols={1} spacing="lg" aria-hidden="true">
 				{[0, 1].map((index) => (
 					<Card key={index} padding="xl" radius="lg" withBorder>
 						<Stack gap="xl">

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

@@ -1,8 +1,11 @@
 import { Alert, Button, Group, Loader, Stack, Text } from "@mantine/core";
 import type { FC } from "react";
 import { useTranslation } from "react-i18next";
+import { formatSnapshotTime } from "@/shared/lib";
 
 type AccountsRefreshStateProps = {
+	lastSuccessfulAt?: string | null;
+	sourceError?: boolean;
 	refreshing?: boolean;
 	refreshError?: boolean;
 	retry?: () => void;
@@ -11,9 +14,24 @@ type AccountsRefreshStateProps = {
 const AccountsRefreshState: FC<AccountsRefreshStateProps> = (props) => {
 	const { refreshing = false, refreshError = false, retry } = props;
 	const { t } = useTranslation();
-	if (!refreshing && !refreshError) return null;
+
 	return (
 		<>
+			{props.lastSuccessfulAt ? (
+				<Text size="xs" c="dimmed">
+					{t("investment.sourceTime", {
+						date: formatSnapshotTime(props.lastSuccessfulAt),
+					})}
+				</Text>
+			) : null}
+			<Button
+				onClick={retry}
+				disabled={refreshing}
+				variant="light"
+				w="fit-content"
+			>
+				{t(refreshError ? "accounts.retry" : "investment.refresh")}
+			</Button>
 			{refreshing ? (
 				<Group gap="xs" role="status" aria-label={t("accounts.refreshing")}>
 					<Loader size="sm" />
@@ -23,12 +41,15 @@ const AccountsRefreshState: FC<AccountsRefreshStateProps> = (props) => {
 				</Group>
 			) : null}
 			{refreshError ? (
-				<Alert color="orange">
+				<Alert color="orange" role="status" aria-live="polite">
 					<Stack gap="sm">
-						<Text>{t("accounts.refreshError")}</Text>
-						<Button onClick={retry} variant="light">
-							{t("accounts.retry")}
-						</Button>
+						<Text>
+							{t(
+								props.sourceError
+									? "investment.syncFailed"
+									: "accounts.refreshError",
+							)}
+						</Text>
 					</Stack>
 				</Alert>
 			) : null}

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

@@ -6,6 +6,7 @@ import { MemoryRouter, Route, Routes, useLocation } from "react-router";
 import { describe, expect, it, vi } from "vitest";
 import { configureAuthClient } from "@/shared/api";
 import { createTestQueryClient } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { BondPage } from "./BondPage";
 
@@ -92,127 +93,145 @@ function setup(
 		http.get("*/api/v1/bonds/:uid", () =>
 			options.failBond
 				? HttpResponse.json({ code: "NOT_FOUND" }, { status: 404 })
-				: HttpResponse.json(resolved),
+				: HttpResponse.json(resource(resolved)),
 		),
 		http.get("*/api/v1/bonds/by-ticker/:ticker", ({ request }) => {
 			requests.push(new URL(request.url));
 			return options.ambiguousTicker
 				? HttpResponse.json({ code: "BOND_TICKER_AMBIGUOUS" }, { status: 409 })
-				: HttpResponse.json(resolved);
+				: HttpResponse.json(resource(resolved));
 		}),
 		http.get("*/api/v1/bonds/:uid/:section", ({ params, request }) => {
 			requests.push(new URL(request.url));
 			if (params.section === "metrics")
-				return HttpResponse.json({
-					creditRating:
-						options.ratingState === "missing" ||
-						options.ratingState === "unavailable"
-							? null
-							: {
-									agency: "NCR",
-									value: options.ratingState === "withdrawn" ? null : "AAA.ru",
-									status:
-										options.ratingState === "withdrawn"
-											? "withdrawn"
-											: "active",
-									date: "2026-04-17",
-									sourceUrl: "https://ratings.ru/ratings/issues/123/",
-									observedAt: quote.observedAt,
-								},
-					coupon: money("32.88"),
-					couponDate: "2026-10-27",
-					couponType: "COUPON_TYPE_FLOATING",
-					couponPeriodDays: 90,
-					couponYieldPercent: "27.18",
-					couponYieldPriceAt: quote.priceAt,
-					effectiveYield: {
-						value: "15.6262",
-						pricePercent: "53.384",
-						date: "2030-05-15",
-						dateType: "MATDATE",
-						tradeAt: quote.priceAt,
-					},
-					unavailable: options.ratingState === "unavailable" ? ["rating"] : [],
-					observedAt: quote.observedAt,
-				});
+				return HttpResponse.json(
+					resource({
+						creditRating:
+							options.ratingState === "missing" ||
+							options.ratingState === "unavailable"
+								? null
+								: {
+										agency: "NCR",
+										value:
+											options.ratingState === "withdrawn" ? null : "AAA.ru",
+										status:
+											options.ratingState === "withdrawn"
+												? "withdrawn"
+												: "active",
+										date: "2026-04-17",
+										sourceUrl: "https://ratings.ru/ratings/issues/123/",
+										observedAt: quote.observedAt,
+									},
+						coupon: money("32.88"),
+						couponDate: "2026-10-27",
+						couponType: "COUPON_TYPE_FLOATING",
+						couponPeriodDays: 90,
+						couponYieldPercent: "27.18",
+						couponYieldPriceAt: quote.priceAt,
+						effectiveYield: {
+							value: "15.6262",
+							pricePercent: "53.384",
+							date: "2030-05-15",
+							dateType: "MATDATE",
+							tradeAt: quote.priceAt,
+						},
+						unavailable:
+							options.ratingState === "unavailable" ? ["rating"] : [],
+						observedAt: quote.observedAt,
+					}),
+				);
 			if (params.section === "quote")
 				return failQuote
 					? HttpResponse.json({ code: "TBANK_UNAVAILABLE" }, { status: 503 })
-					: HttpResponse.json(quote);
+					: HttpResponse.json(resource(quote));
 			if (params.section === "position")
 				return HttpResponse.json(
-					options.noPosition
-						? { ...position, quantity: "0", accounts: [] }
-						: position,
+					resource(
+						options.noPosition
+							? { ...position, quantity: "0", accounts: [] }
+							: position,
+					),
 				);
 			if (params.section === "candles")
-				return HttpResponse.json({
-					candles: [
-						{ time: "2026-09-09T00:00:00Z", close: "99.25", isComplete: true },
-					],
-					currency: null,
-					historyFrom: null,
-					observedAt: quote.observedAt,
-				});
+				return HttpResponse.json(
+					resource({
+						candles: [
+							{
+								time: "2026-09-09T00:00:00Z",
+								close: "99.25",
+								isComplete: true,
+							},
+						],
+						currency: null,
+						historyFrom: null,
+						observedAt: quote.observedAt,
+					}),
+				);
 			if (options.failCoupons)
 				return HttpResponse.json(
 					{ code: "TBANK_UNAVAILABLE" },
 					{ status: 503 },
 				);
-			return HttpResponse.json({
-				coupons: [
-					{
-						perBond: money("32.88"),
-						recordDate: "2026-10-13",
-						number: "1",
-						couponType: "COUPON_TYPE_FLOATING",
-						periodDays: 90,
-						paymentDate: "2026-10-27",
-						timing: "upcoming",
-						estimatedAmount: options.noPosition ? null : money("328.8"),
-					},
-					{
-						perBond: money("20"),
-						recordDate: "2025-10-13",
-						paymentDate: null,
-						number: "2",
-						couponType: null,
-						periodDays: null,
-						timing: "past",
-						estimatedAmount: null,
-					},
-				],
-				from: "2021-09-10",
-				to: "2027-09-10",
-				observedAt: quote.observedAt,
-				positionAt: null,
-				estimateUnavailable: false,
-				positionIsStale: false,
-			});
+			return HttpResponse.json(
+				resource({
+					coupons: [
+						{
+							perBond: money("32.88"),
+							recordDate: "2026-10-13",
+							number: "1",
+							couponType: "COUPON_TYPE_FLOATING",
+							periodDays: 90,
+							paymentDate: "2026-10-27",
+							timing: "upcoming",
+							estimatedAmount: options.noPosition ? null : money("328.8"),
+						},
+						{
+							perBond: money("20"),
+							recordDate: "2025-10-13",
+							paymentDate: null,
+							number: "2",
+							couponType: null,
+							periodDays: null,
+							timing: "past",
+							estimatedAmount: null,
+						},
+					],
+					from: "2021-09-10",
+					to: "2027-09-10",
+					observedAt: quote.observedAt,
+					positionAt: null,
+					estimateUnavailable: false,
+					positionIsStale: false,
+				}),
+			);
 		}),
 		http.get("*/api/v1/brokerage-accounts/all/operations", ({ request }) => {
 			const url = new URL(request.url);
 			requests.push(url);
 			const next = url.searchParams.has("cursor");
-			return HttpResponse.json({
-				accountId: "all",
-				observedAt: quote.observedAt,
-				hasNext: !next,
-				nextCursor: next ? null : "next",
-				items: [
-					{
-						id: next ? "sold" : "dividend",
-						occurredAt: next ? "2022-01-02T10:00:00Z" : "2025-01-02T10:00:00Z",
-						type: next ? "OPERATION_TYPE_SELL" : "OPERATION_TYPE_COUPON",
-						category: next ? "trade" : "income",
-						description: "",
-						account: { id: "main", name: "Основной" },
-						payment: money("200"),
-						quantity: next ? "2" : null,
-						price: next ? money("100") : null,
-					},
-				],
-			});
+			return HttpResponse.json(
+				resource({
+					accountId: "all",
+					observedAt: quote.observedAt,
+					hasNext: !next,
+					nextCursor: next ? null : "next",
+					items: [
+						{
+							id: next ? "sold" : "dividend",
+							occurredAt: next
+								? "2022-01-02T10:00:00Z"
+								: "2025-01-02T10:00:00Z",
+							type: next ? "OPERATION_TYPE_SELL" : "OPERATION_TYPE_COUPON",
+							category: next ? "trade" : "income",
+							description: "",
+							account: { id: "main", name: "Основной" },
+							payment: money("200"),
+							quantity: next ? "2" : null,
+							price: next ? money("100") : null,
+						},
+					],
+				}),
+			);
 		}),
 	);
 	configureAuthClient({
@@ -300,9 +319,11 @@ describe("bond page", () => {
 	it("keeps market content and sold-position history when coupons fail", async () => {
 		setup({ noPosition: true, failCoupons: true });
 		await screen.findByText("98,125 %");
-		expect(await screen.findByRole("alert")).toHaveTextContent(
-			"Не удалось загрузить этот раздел",
-		);
+		expect(
+			(await screen.findByText(/Не удалось загрузить этот раздел/)).closest(
+				'[role="status"]',
+			),
+		).toHaveAttribute("aria-live", "polite");
 		expect(
 			screen.queryByRole("heading", { name: "Моя позиция" }),
 		).not.toBeInTheDocument();
@@ -311,14 +332,36 @@ describe("bond page", () => {
 		).toBeVisible();
 	});
 	it("preserves cached quote on refresh failure", async () => {
-		const controls = setup();
+		const scopes: unknown[] = [];
+		server.use(
+			http.post("*/api/v1/tbank-sync", async ({ request }) => {
+				scopes.push(await request.json());
+				return HttpResponse.json(
+					{ code: "TBANK_UNAVAILABLE" },
+					{ status: 503 },
+				);
+			}),
+		);
+		const controls = setup({ path: `/bonds/${uid}?period=year&events=trades` });
 		await screen.findByText("98,125 %");
 		controls.failQuote();
-		fireEvent.click(screen.getByRole("button", { name: "Обновить цену" }));
-		expect(await screen.findByRole("alert")).toHaveTextContent(
-			"последние полученные",
-		);
+		fireEvent.click(screen.getByRole("button", { name: "Обновить" }));
+		expect(
+			(await screen.findByText(/последние полученные/)).closest(
+				'[role="status"]',
+			),
+		).toHaveAttribute("aria-live", "polite");
 		expect(screen.getByText("98,125 %")).toBeVisible();
+		expect(scopes).toEqual([
+			{
+				screen: "bond",
+				instrumentUid: uid,
+				accountId: "all",
+				candlePeriod: "year",
+				categories: ["trade"],
+				limit: 20,
+			},
+		]);
 	});
 	it("offers search for an ambiguous or missing instrument without loading personal data", async () => {
 		const { requests } = setup({ path: "/bonds/SAME", ambiguousTicker: true });

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

@@ -55,13 +55,10 @@ const BondPageView: FC<BondPageViewProps> = (props) => {
 					</div>
 					<Button
 						variant="subtle"
-						onClick={() => {
-							vm.bondState.retry();
-							vm.quoteState.retry();
-							vm.metricsState.retry();
-						}}
+						onClick={vm.refresh}
+						disabled={vm.refreshing}
 					>
-						{t("stock.refreshPrice")}
+						{t("investment.refresh")}
 					</Button>
 				</Group>
 				<Group mt="md" gap="xs">
@@ -80,8 +77,8 @@ const BondPageView: FC<BondPageViewProps> = (props) => {
 						</Badge>
 					) : null}
 				</Group>
-				{vm.bondState.error || vm.quoteState.error ? (
-					<Alert role="alert" color="orange" mt="md">
+				{vm.refreshError || vm.bondState.error || vm.quoteState.error ? (
+					<Alert role="status" aria-live="polite" color="orange" mt="md">
 						{t(vm.quote ? "accounts.refreshError" : "stock.sectionError")}
 					</Alert>
 				) : null}
@@ -322,7 +319,9 @@ const BondPageView: FC<BondPageViewProps> = (props) => {
 				{vm.coupons ? (
 					<Stack gap="md">
 						{vm.coupons.estimateUnavailable || vm.coupons.positionIsStale ? (
-							<Alert color="orange">{t("stock.estimateUnavailable")}</Alert>
+							<Alert color="orange" role="status" aria-live="polite">
+								{t("stock.estimateUnavailable")}
+							</Alert>
 						) : null}
 						{vm.upcoming.length ? (
 							vm.upcoming.map((coupon) => (

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

@@ -16,6 +16,7 @@ import {
 	useBrokerageOperations,
 } from "@/entities/broker-operation";
 import { section } from "@/features/instrument-details";
+import { useScreenSync } from "@/features/tbank-connection";
 import { apiErrorCode } from "@/shared/api";
 import { formatDate, instrumentLogoUrl } from "@/shared/lib";
 
@@ -58,6 +59,17 @@ function useBondPageVm() {
 		...firstPage,
 		cursor: cursors.at(-1),
 	});
+	const sync = useScreenSync(
+		{
+			screen: "bond",
+			instrumentUid: uid,
+			candlePeriod: period,
+			accountId: "all",
+			categories: categories[filter],
+			limit: 20,
+		},
+		[bond, quote, candles, position, metrics, coupons, operations],
+	);
 	const setParam = (key: string, value: string) => {
 		const next = new URLSearchParams(params);
 		next.set(key, value);
@@ -70,7 +82,7 @@ function useBondPageVm() {
 				queryKey: brokerageOperationsQueryOptions("all", firstPage).queryKey,
 				exact: true,
 			});
-		} else void operations.refetch();
+		} else void sync.refresh();
 	};
 	const chartData =
 		candles.data?.candles.map((candle) => ({
@@ -79,31 +91,34 @@ function useBondPageVm() {
 			price: Number(candle.close),
 		})) ?? [];
 	return {
+		refresh: sync.refresh,
+		refreshing: sync.refreshing,
+		refreshError: sync.transportError || sync.sourceError,
 		canonicalTo:
 			bond.data?.slug && bond.data.slug !== bondId
 				? `/bonds/${encodeURIComponent(bond.data.slug)}${params.size ? `?${params.toString()}` : ""}`
 				: null,
 		bond: bond.data,
-		bondState: section(bond),
+		bondState: section(bond, uid ? sync.refresh : () => bond.refetch()),
 		code: apiErrorCode(bond.error),
 		logoSrc: instrumentLogoUrl(bond.data?.logoName),
 		metrics: metrics.data,
-		metricsState: section(metrics),
+		metricsState: section(metrics, sync.refresh),
 		quote: quote.data,
-		quoteState: section(quote),
+		quoteState: section(quote, sync.refresh),
 		candles: candles.data,
 		chartData,
 		priceRows: chartData.toReversed(),
-		candlesState: section(candles),
+		candlesState: section(candles, sync.refresh),
 		period,
 		setPeriod: (value: string) => setParam("period", value),
 		averageLine: null,
 		hasIncompleteCandle:
 			candles.data?.candles.some((candle) => !candle.isComplete) ?? false,
 		position: position.data,
-		positionState: section(position),
+		positionState: section(position, sync.refresh),
 		coupons: coupons.data,
-		couponsState: section(coupons),
+		couponsState: section(coupons, sync.refresh),
 		upcoming:
 			coupons.data?.coupons
 				.filter((event) => event.timing === "upcoming")
@@ -121,7 +136,10 @@ function useBondPageVm() {
 					),
 				) ?? [],
 		operations: operations.data,
-		operationsState: { ...section(operations), retry: retryOperations },
+		operationsState: {
+			...section(operations, sync.refresh),
+			retry: retryOperations,
+		},
 		eventRows:
 			operations.data?.items.map((item) => ({
 				...item,

src/pages/bonds/ui/BondsPage/BondsPage.test.tsx

@@ -6,6 +6,7 @@ import { MemoryRouter } from "react-router";
 import { describe, expect, it, vi } from "vitest";
 import { configureAuthClient } from "@/shared/api";
 import { createTestQueryClient } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { BondsPage } from "./BondsPage";
 
@@ -15,24 +16,26 @@ describe("bond search", () => {
 		server.use(
 			http.get("*/api/v1/bonds", ({ request }) => {
 				query(new URL(request.url).searchParams.get("query"));
-				return HttpResponse.json([
-					{
-						name: "ОФЗ",
-						ticker: "SU26238RMFS4",
-						instrumentUid: "unique-bond",
-						slug: "SU26238RMFS4",
-						logoName: "sber.png",
-						classCode: "TQOB",
-						isin: "RU0009029540",
-						realExchange: "REAL_EXCHANGE_MOEX",
-						shareType: "SHARE_TYPE_COMMON",
-						apiTradeAvailable: true,
-						pricePercent: "98.125",
-						maturityDate: "2030-05-15",
-						perpetual: false,
-						priceAt: "2026-09-10T10:00:00Z",
-					},
-				]);
+				return HttpResponse.json(
+					resource([
+						{
+							name: "ОФЗ",
+							ticker: "SU26238RMFS4",
+							instrumentUid: "unique-bond",
+							slug: "SU26238RMFS4",
+							logoName: "sber.png",
+							classCode: "TQOB",
+							isin: "RU0009029540",
+							realExchange: "REAL_EXCHANGE_MOEX",
+							shareType: "SHARE_TYPE_COMMON",
+							apiTradeAvailable: true,
+							pricePercent: "98.125",
+							maturityDate: "2030-05-15",
+							perpetual: false,
+							priceAt: "2026-09-10T10:00:00Z",
+						},
+					]),
+				);
 			}),
 		);
 		configureAuthClient({

src/pages/bonds/ui/BondsPage/BondsPage.view.tsx

@@ -37,6 +37,16 @@ const BondsPageView: FC<BondsPageViewProps> = (props) => {
 					{t("bond.searchSubtitle")}
 				</Text>
 			</div>
+			<Button
+				onClick={vm.retry}
+				disabled={vm.refreshing || vm.query.trim().length < 2}
+				w="fit-content"
+			>
+				{t("investment.refresh")}
+			</Button>
+			{vm.partial ? (
+				<Alert role="status">{t("investment.partial")}</Alert>
+			) : null}
 			<TextInput
 				label={t("bond.searchLabel")}
 				placeholder={t("bond.searchPlaceholder")}
@@ -49,7 +59,7 @@ const BondsPageView: FC<BondsPageViewProps> = (props) => {
 				<Text c="dimmed">{t("stock.searchHint")}</Text>
 			) : null}
 			{vm.error ? (
-				<Alert role="alert" color="orange">
+				<Alert role="status" aria-live="polite" color="orange">
 					<Stack gap="xs">
 						<Text>
 							{t(
@@ -166,7 +176,9 @@ const BondsPageView: FC<BondsPageViewProps> = (props) => {
 						))}
 					</Stack>
 				) : (
-					<Text c="dimmed">{t("bond.noSearchResults")}</Text>
+					<Text c="dimmed">
+						{t(vm.partial ? "investment.partial" : "bond.noSearchResults")}
+					</Text>
 				)
 			) : null}
 		</Stack>

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

@@ -1,6 +1,7 @@
 import { useDebouncedValue } from "@mantine/hooks";
 import { useSearchParams } from "react-router";
 import { useBondSearch } from "@/entities/bond";
+import { useScreenSync } from "@/features/tbank-connection";
 import { apiErrorCode } from "@/shared/api";
 import { instrumentLogoUrl } from "@/shared/lib";
 
@@ -11,15 +12,23 @@ function useBondsPageVm() {
 	const query = params.get("q") ?? "";
 	const [debounced] = useDebouncedValue(query.trim(), SEARCH_DEBOUNCE_MS);
 	const result = useBondSearch(debounced);
+	const sync = useScreenSync({ screen: "bonds", query: debounced }, [result]);
 	const waiting = query.trim() !== debounced;
 	return {
 		query,
 		setQuery: (q: string) => setParams(q ? { q } : {}, { replace: true }),
-		loading: query.trim().length >= 2 && (waiting || result.isLoading),
-		error: result.isError,
+		loading:
+			query.trim().length >= 2 &&
+			(waiting ||
+				(!result.data &&
+					!result.isError &&
+					result.meta?.sync.state !== "failed")),
+		error: result.isError || sync.sourceError || sync.transportError,
+		refreshing: sync.refreshing,
+		partial: result.meta?.availability === "partial",
 		code: apiErrorCode(result.error),
 		retry: () => {
-			void result.refetch();
+			void sync.refresh();
 		},
 		ready: debounced.length >= 2 && !waiting && Boolean(result.data),
 		items:

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

@@ -6,6 +6,7 @@ import { MemoryRouter, Route, Routes, useLocation } from "react-router";
 import { describe, expect, it, vi } from "vitest";
 import { configureAuthClient } from "@/shared/api";
 import { createTestQueryClient } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { StockPage } from "./StockPage";
 
@@ -80,100 +81,112 @@ function setup(
 		http.get("*/api/v1/stocks/:uid", () =>
 			options.failStock
 				? HttpResponse.json({ code: "NOT_FOUND" }, { status: 404 })
-				: HttpResponse.json(resolved),
+				: HttpResponse.json(resource(resolved)),
 		),
 		http.get("*/api/v1/stocks/by-ticker/:ticker", ({ request }) => {
 			requests.push(new URL(request.url));
 			return options.ambiguousTicker
 				? HttpResponse.json({ code: "STOCK_TICKER_AMBIGUOUS" }, { status: 409 })
-				: HttpResponse.json(resolved);
+				: HttpResponse.json(resource(resolved));
 		}),
 		http.get("*/api/v1/stocks/:uid/:section", ({ params, request }) => {
 			requests.push(new URL(request.url));
 			if (params.section === "quote")
 				return failQuote
 					? HttpResponse.json({ code: "TBANK_UNAVAILABLE" }, { status: 503 })
-					: HttpResponse.json(quote);
+					: HttpResponse.json(resource(quote));
 			if (params.section === "position")
 				return HttpResponse.json(
-					options.noPosition
-						? { ...position, quantity: "0", accounts: [] }
-						: position,
+					resource(
+						options.noPosition
+							? { ...position, quantity: "0", accounts: [] }
+							: position,
+					),
 				);
 			if (params.section === "candles")
-				return HttpResponse.json({
-					candles: [],
-					currency: "RUB",
-					historyFrom: null,
-					observedAt: quote.observedAt,
-				});
+				return HttpResponse.json(
+					resource({
+						candles: [],
+						currency: "RUB",
+						historyFrom: null,
+						observedAt: quote.observedAt,
+					}),
+				);
 			if (params.section === "company")
 				return options.failCompany
 					? HttpResponse.json({ code: "TBANK_UNAVAILABLE" }, { status: 503 })
-					: HttpResponse.json({
-							description: "Описание компании",
-							metrics: [
-								{
-									key: "peRatioTtm",
-									value: 5.6,
-									unit: "ratio",
-									currency: null,
-									period: "TTM",
-								},
-							],
-							unavailable: [],
-							observedAt: quote.observedAt,
-						});
-			return HttpResponse.json({
-				dividends: [
-					{
-						perShare: money("32.88"),
-						recordDate: "2026-10-13",
-						lastBuyDate: "2026-10-12",
-						paymentDate: "2026-10-27",
-						timing: "upcoming",
-						estimatedAmount: options.noPosition ? null : money("328.8"),
-					},
-					{
-						perShare: money("20"),
-						recordDate: "2025-10-13",
-						paymentDate: null,
-						lastBuyDate: null,
-						timing: "past",
-						estimatedAmount: null,
-					},
-				],
-				from: "2021-09-10",
-				to: "2027-09-10",
-				observedAt: quote.observedAt,
-				positionAt: null,
-				estimateUnavailable: false,
-				positionIsStale: false,
-			});
+					: HttpResponse.json(
+							resource({
+								description: "Описание компании",
+								metrics: [
+									{
+										key: "peRatioTtm",
+										value: 5.6,
+										unit: "ratio",
+										currency: null,
+										period: "TTM",
+									},
+								],
+								unavailable: [],
+								observedAt: quote.observedAt,
+							}),
+						);
+			return HttpResponse.json(
+				resource({
+					dividends: [
+						{
+							perShare: money("32.88"),
+							recordDate: "2026-10-13",
+							lastBuyDate: "2026-10-12",
+							paymentDate: "2026-10-27",
+							timing: "upcoming",
+							estimatedAmount: options.noPosition ? null : money("328.8"),
+						},
+						{
+							perShare: money("20"),
+							recordDate: "2025-10-13",
+							paymentDate: null,
+							lastBuyDate: null,
+							timing: "past",
+							estimatedAmount: null,
+						},
+					],
+					from: "2021-09-10",
+					to: "2027-09-10",
+					observedAt: quote.observedAt,
+					positionAt: null,
+					estimateUnavailable: false,
+					positionIsStale: false,
+				}),
+			);
 		}),
 		http.get("*/api/v1/brokerage-accounts/all/operations", ({ request }) => {
 			const url = new URL(request.url);
 			requests.push(url);
 			const next = url.searchParams.has("cursor");
-			return HttpResponse.json({
-				accountId: "all",
-				observedAt: quote.observedAt,
-				hasNext: !next,
-				nextCursor: next ? null : "next",
-				items: [
-					{
-						id: next ? "sold" : "dividend",
-						occurredAt: next ? "2022-01-02T10:00:00Z" : "2025-01-02T10:00:00Z",
-						type: next ? "OPERATION_TYPE_SELL" : "OPERATION_TYPE_DIVIDEND",
-						category: next ? "trade" : "income",
-						description: "",
-						account: { id: "main", name: "Основной" },
-						payment: money("200"),
-						quantity: next ? "2" : null,
-						price: next ? money("100") : null,
-					},
-				],
-			});
+			return HttpResponse.json(
+				resource({
+					accountId: "all",
+					observedAt: quote.observedAt,
+					hasNext: !next,
+					nextCursor: next ? null : "next",
+					items: [
+						{
+							id: next ? "sold" : "dividend",
+							occurredAt: next
+								? "2022-01-02T10:00:00Z"
+								: "2025-01-02T10:00:00Z",
+							type: next ? "OPERATION_TYPE_SELL" : "OPERATION_TYPE_DIVIDEND",
+							category: next ? "trade" : "income",
+							description: "",
+							account: { id: "main", name: "Основной" },
+							payment: money("200"),
+							quantity: next ? "2" : null,
+							price: next ? money("100") : null,
+						},
+					],
+				}),
+			);
 		}),
 	);
 	configureAuthClient({
@@ -271,9 +284,11 @@ describe("stock page", () => {
 			screen.queryByRole("heading", { name: "Моя позиция" }),
 		).not.toBeInTheDocument();
 		expect(screen.getByRole("heading", { name: "График цены" })).toBeVisible();
-		expect(await screen.findByRole("alert")).toHaveTextContent(
-			"Не удалось загрузить этот раздел",
-		);
+		expect(
+			(await screen.findByText(/Не удалось загрузить этот раздел/)).closest(
+				'[role="status"]',
+			),
+		).toHaveAttribute("aria-live", "polite");
 	});
 	it("sends instrument-filtered continuation, resets it on filter changes and changes chart period", async () => {
 		const { requests } = setup();
@@ -308,14 +323,38 @@ describe("stock page", () => {
 		);
 	});
 	it("keeps the last quote on a refresh failure", async () => {
-		const controls = setup();
+		const scopes: unknown[] = [];
+		server.use(
+			http.post("*/api/v1/tbank-sync", async ({ request }) => {
+				scopes.push(await request.json());
+				return HttpResponse.json(
+					{ code: "TBANK_UNAVAILABLE" },
+					{ status: 503 },
+				);
+			}),
+		);
+		const controls = setup({
+			path: `/stocks/${uid}?period=year&events=trades`,
+		});
 		await screen.findByText("300 ₽");
 		controls.failQuote();
-		fireEvent.click(screen.getByRole("button", { name: "Обновить цену" }));
-		expect(await screen.findByRole("alert")).toHaveTextContent(
-			"последние полученные",
-		);
+		fireEvent.click(screen.getByRole("button", { name: "Обновить" }));
+		expect(
+			(await screen.findByText(/последние полученные/)).closest(
+				'[role="status"]',
+			),
+		).toHaveAttribute("aria-live", "polite");
 		expect(screen.getByText("300 ₽")).toBeVisible();
+		expect(scopes).toEqual([
+			{
+				screen: "stock",
+				instrumentUid: uid,
+				accountId: "all",
+				candlePeriod: "year",
+				categories: ["trade"],
+				limit: 20,
+			},
+		]);
 	});
 	it("offers recovery for an unavailable direct link", async () => {
 		setup({ failStock: true });

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

@@ -63,12 +63,10 @@ const StockPageView: FC<StockPageViewProps> = (props) => {
 					</div>
 					<Button
 						variant="subtle"
-						onClick={() => {
-							vm.stockState.retry();
-							vm.quoteState.retry();
-						}}
+						onClick={vm.refresh}
+						disabled={vm.refreshing}
 					>
-						{t("stock.refreshPrice")}
+						{t("investment.refresh")}
 					</Button>
 				</Group>
 				{vm.company?.description ? (
@@ -76,8 +74,8 @@ const StockPageView: FC<StockPageViewProps> = (props) => {
 						{vm.company.description}
 					</Text>
 				) : null}
-				{vm.stockState.error || vm.quoteState.error ? (
-					<Alert role="alert" color="orange" mt="md">
+				{vm.refreshError || vm.stockState.error || vm.quoteState.error ? (
+					<Alert role="status" aria-live="polite" color="orange" mt="md">
 						{t(vm.quote ? "accounts.refreshError" : "stock.sectionError")}
 					</Alert>
 				) : null}
@@ -164,7 +162,7 @@ const StockPageView: FC<StockPageViewProps> = (props) => {
 					{vm.company ? (
 						<Stack gap="lg">
 							{vm.company.unavailable.length ? (
-								<Alert color="orange">
+								<Alert color="orange" role="status" aria-live="polite">
 									<Group justify="space-between">
 										<Text size="sm">{t("stock.partialCompany")}</Text>
 										<Button

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

@@ -16,6 +16,7 @@ import {
 	useStockQuote,
 } from "@/entities/stock";
 import { section } from "@/features/instrument-details";
+import { useScreenSync } from "@/features/tbank-connection";
 import { apiErrorCode } from "@/shared/api";
 import { formatDate, instrumentLogoUrl } from "@/shared/lib";
 
@@ -58,6 +59,17 @@ function useStockPageVm() {
 		...firstPage,
 		cursor: cursors.at(-1),
 	});
+	const sync = useScreenSync(
+		{
+			screen: "stock",
+			instrumentUid: uid,
+			candlePeriod: period,
+			accountId: "all",
+			categories: categories[filter],
+			limit: 20,
+		},
+		[stock, quote, candles, position, company, dividends, operations],
+	);
 	const setParam = (key: string, value: string) => {
 		const next = new URLSearchParams(params);
 		next.set(key, value);
@@ -70,7 +82,7 @@ function useStockPageVm() {
 				queryKey: brokerageOperationsQueryOptions("all", firstPage).queryKey,
 				exact: true,
 			});
-		} else void operations.refetch();
+		} else void sync.refresh();
 	};
 	const chartData =
 		candles.data?.candles.map((candle) => ({
@@ -85,20 +97,23 @@ function useStockPageVm() {
 			: null;
 	const companyData = company.data;
 	return {
+		refresh: sync.refresh,
+		refreshing: sync.refreshing,
+		refreshError: sync.transportError || sync.sourceError,
 		canonicalTo:
 			stock.data?.slug && stock.data.slug !== stockId
 				? `/stocks/${encodeURIComponent(stock.data.slug)}${params.size ? `?${params.toString()}` : ""}`
 				: null,
 		stock: stock.data,
-		stockState: section(stock),
+		stockState: section(stock, uid ? sync.refresh : () => stock.refetch()),
 		code: apiErrorCode(stock.error),
 		logoSrc: instrumentLogoUrl(stock.data?.logoName),
 		quote: quote.data,
-		quoteState: section(quote),
+		quoteState: section(quote, sync.refresh),
 		candles: candles.data,
 		chartData,
 		priceRows: chartData.toReversed(),
-		candlesState: section(candles),
+		candlesState: section(candles, sync.refresh),
 		period,
 		setPeriod: (value: string) => setParam("period", value),
 		averageLine:
@@ -106,11 +121,11 @@ function useStockPageVm() {
 		hasIncompleteCandle:
 			candles.data?.candles.some((candle) => !candle.isComplete) ?? false,
 		position: position.data,
-		positionState: section(position),
+		positionState: section(position, sync.refresh),
 		company: companyData,
-		companyState: section(company),
+		companyState: section(company, sync.refresh),
 		dividends: dividends.data,
-		dividendsState: section(dividends),
+		dividendsState: section(dividends, sync.refresh),
 		upcoming:
 			dividends.data?.dividends
 				.filter((event) => event.timing === "upcoming")
@@ -128,7 +143,10 @@ function useStockPageVm() {
 					),
 				) ?? [],
 		operations: operations.data,
-		operationsState: { ...section(operations), retry: retryOperations },
+		operationsState: {
+			...section(operations, sync.refresh),
+			retry: retryOperations,
+		},
 		eventRows:
 			operations.data?.items.map((item) => ({
 				...item,

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

@@ -23,7 +23,9 @@ const StockDividends: FC<StockEventsProps> = (props) => {
 			{vm.dividends ? (
 				<Stack gap="md">
 					{vm.dividends.estimateUnavailable || vm.dividends.positionIsStale ? (
-						<Alert color="orange">{t("stock.estimateUnavailable")}</Alert>
+						<Alert color="orange" role="status" aria-live="polite">
+							{t("stock.estimateUnavailable")}
+						</Alert>
 					) : null}
 					{vm.upcoming.length ? (
 						vm.upcoming.map((event) => (

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

@@ -6,6 +6,7 @@ import { MemoryRouter } from "react-router";
 import { describe, expect, it, vi } from "vitest";
 import { configureAuthClient } from "@/shared/api";
 import { createTestQueryClient } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { StocksPage } from "./StocksPage";
 
@@ -15,22 +16,24 @@ describe("stock search", () => {
 		server.use(
 			http.get("*/api/v1/stocks", ({ request }) => {
 				query(new URL(request.url).searchParams.get("query"));
-				return HttpResponse.json([
-					{
-						name: "Сбербанк",
-						ticker: "SBER",
-						instrumentUid: "unique-stock",
-						slug: "SBER",
-						logoName: "sber.png",
-						classCode: "TQBR",
-						isin: "RU0009029540",
-						realExchange: "REAL_EXCHANGE_MOEX",
-						shareType: "SHARE_TYPE_COMMON",
-						apiTradeAvailable: true,
-						price: { currency: "RUB", value: "306.12" },
-						priceAt: "2026-09-10T10:00:00Z",
-					},
-				]);
+				return HttpResponse.json(
+					resource([
+						{
+							name: "Сбербанк",
+							ticker: "SBER",
+							instrumentUid: "unique-stock",
+							slug: "SBER",
+							logoName: "sber.png",
+							classCode: "TQBR",
+							isin: "RU0009029540",
+							realExchange: "REAL_EXCHANGE_MOEX",
+							shareType: "SHARE_TYPE_COMMON",
+							apiTradeAvailable: true,
+							price: { currency: "RUB", value: "306.12" },
+							priceAt: "2026-09-10T10:00:00Z",
+						},
+					]),
+				);
 			}),
 		);
 		configureAuthClient({

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

@@ -32,6 +32,16 @@ const StocksPageView: FC<StocksPageViewProps> = (props) => {
 					{t("stock.searchSubtitle")}
 				</Text>
 			</div>
+			<Button
+				onClick={vm.retry}
+				disabled={vm.refreshing || vm.query.trim().length < 2}
+				w="fit-content"
+			>
+				{t("investment.refresh")}
+			</Button>
+			{vm.partial ? (
+				<Alert role="status">{t("investment.partial")}</Alert>
+			) : null}
 			<TextInput
 				label={t("stock.searchLabel")}
 				placeholder={t("stock.searchPlaceholder")}
@@ -44,7 +54,7 @@ const StocksPageView: FC<StocksPageViewProps> = (props) => {
 				<Text c="dimmed">{t("stock.searchHint")}</Text>
 			) : null}
 			{vm.error ? (
-				<Alert role="alert" color="orange">
+				<Alert role="status" aria-live="polite" color="orange">
 					<Stack gap="xs">
 						<Text>
 							{t(
@@ -142,7 +152,9 @@ const StocksPageView: FC<StocksPageViewProps> = (props) => {
 						))}
 					</Stack>
 				) : (
-					<Text c="dimmed">{t("stock.noSearchResults")}</Text>
+					<Text c="dimmed">
+						{t(vm.partial ? "investment.partial" : "stock.noSearchResults")}
+					</Text>
 				)
 			) : null}
 		</Stack>

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

@@ -1,6 +1,7 @@
 import { useDebouncedValue } from "@mantine/hooks";
 import { useSearchParams } from "react-router";
 import { useStockSearch } from "@/entities/stock";
+import { useScreenSync } from "@/features/tbank-connection";
 import { apiErrorCode } from "@/shared/api";
 import { instrumentLogoUrl } from "@/shared/lib";
 
@@ -11,15 +12,23 @@ function useStocksPageVm() {
 	const query = params.get("q") ?? "";
 	const [debounced] = useDebouncedValue(query.trim(), SEARCH_DEBOUNCE_MS);
 	const result = useStockSearch(debounced);
+	const sync = useScreenSync({ screen: "stocks", query: debounced }, [result]);
 	const waiting = query.trim() !== debounced;
 	return {
 		query,
 		setQuery: (q: string) => setParams(q ? { q } : {}, { replace: true }),
-		loading: query.trim().length >= 2 && (waiting || result.isLoading),
-		error: result.isError,
+		loading:
+			query.trim().length >= 2 &&
+			(waiting ||
+				(!result.data &&
+					!result.isError &&
+					result.meta?.sync.state !== "failed")),
+		error: result.isError || sync.sourceError || sync.transportError,
+		refreshing: sync.refreshing,
+		partial: result.meta?.availability === "partial",
 		code: apiErrorCode(result.error),
 		retry: () => {
-			void result.refetch();
+			void sync.refresh();
 		},
 		ready: debounced.length >= 2 && !waiting && Boolean(result.data),
 		items:

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

@@ -2,6 +2,7 @@ import { renderHook, waitFor } from "@testing-library/react";
 import { HttpResponse, http } from "msw";
 import { describe, expect, it, vi } from "vitest";
 import { createQueryWrapper } from "@/test/query";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import {
 	useAuthenticatedQueries,
@@ -17,14 +18,16 @@ describe("useAuthenticatedQuery", () => {
 			server.use(
 				http.get("*/api/v1/brokerage-accounts", () => {
 					requests();
-					return HttpResponse.json([
-						{
-							id: "account-1",
-							name: "Основной",
-							type: "BROKERAGE",
-							openedOn: "2024-08-13",
-						},
-					]);
+					return HttpResponse.json(
+						resource([
+							{
+								id: "account-1",
+								name: "Основной",
+								type: "BROKERAGE",
+								openedOn: "2024-08-13",
+							},
+						]),
+					);
 				}),
 			);
 
@@ -53,7 +56,7 @@ describe("useAuthenticatedQuery", () => {
 
 			await waitFor(() => expect(result.current.isSuccess).toBe(true));
 			expect(requests).toHaveBeenCalledOnce();
-			expect(result.current.data).toEqual([
+			expect(result.current.data?.data).toEqual([
 				{
 					id: "account-1",
 					name: "Основной",

src/shared/api/client.test.ts

@@ -1,5 +1,6 @@
 import { HttpResponse, http } from "msw";
 import { describe, expect, it, vi } from "vitest";
+import { resource } from "@/test/resource";
 import { server } from "@/test/server";
 import { apiClient, configureAuthClient } from "./client";
 
@@ -16,14 +17,14 @@ describe("apiClient authentication", () => {
 				authorization.push(request.headers.get("Authorization") ?? "");
 				return authorization.length === 1
 					? HttpResponse.json({ code: "UNAUTHORIZED" }, { status: 401 })
-					: HttpResponse.json([]);
+					: HttpResponse.json(resource([]));
 			}),
 		);
 		configureAuthClient({ accessToken: () => token, refresh, clear: vi.fn() });
 
 		const { data } = await apiClient.GET("/api/v1/brokerage-accounts");
 
-		expect(data).toEqual([]);
+		expect(data?.data).toEqual([]);
 		expect(refresh).toHaveBeenCalledOnce();
 		expect(authorization).toEqual(["Bearer expired", "Bearer fresh"]);
 	});
@@ -76,7 +77,7 @@ describe("apiClient authentication", () => {
 				if (++calls === 1)
 					return HttpResponse.json({ code: "UNAUTHORIZED" }, { status: 401 });
 				await pending;
-				return HttpResponse.json([{ id: "previous-user-account" }]);
+				return HttpResponse.json(resource([{ id: "previous-user-account" }]));
 			}),
 		);
 		configureAuthClient({

src/shared/api/client.ts

@@ -14,6 +14,13 @@ type AuthHandlers = {
 	clear: () => void;
 };
 
+const inFlight = new Set<{ pathname: string; invalidated: boolean }>();
+const latestReads = new Map<string, { sequence: number; pending: number }>();
+function invalidateApiRequests(matches: (pathname: string) => boolean) {
+	for (const request of inFlight)
+		if (matches(request.pathname)) request.invalidated = true;
+}
+
 let auth: AuthHandlers | null = null;
 let hasAuthenticatedSession = false;
 const authSessionListeners = new Set<() => void>();
@@ -25,6 +32,7 @@ function setAuthenticatedSession(next: boolean) {
 }
 
 function configureAuthClient(handlers: AuthHandlers | null) {
+	if (!handlers) invalidateApiRequests(() => true);
 	auth = handlers;
 	setAuthenticatedSession(Boolean(auth?.accessToken()));
 }
@@ -39,12 +47,47 @@ function subscribeAuthenticatedSession(listener: () => void) {
 }
 
 async function authenticatedFetch(request: Request): Promise<Response> {
+	const url = new URL(request.url);
+	url.searchParams.delete("sync");
+	url.searchParams.sort();
+	const key = `${request.method} ${url}`;
+	const ticket = { pathname: url.pathname, invalidated: false };
+	const read =
+		request.method === "GET"
+			? (latestReads.get(key) ?? { sequence: 0, pending: 0 })
+			: null;
+	if (read) {
+		read.sequence += 1;
+		read.pending += 1;
+		latestReads.set(key, read);
+	}
+	const sequence = read?.sequence;
+	inFlight.add(ticket);
+	try {
+		return await fetchCurrent(
+			request,
+			() => !ticket.invalidated && (!read || sequence === read.sequence),
+		);
+	} finally {
+		inFlight.delete(ticket);
+		if (read && --read.pending === 0) latestReads.delete(key);
+	}
+}
+
+async function fetchCurrent(
+	request: Request,
+	isLatest: () => boolean,
+): Promise<Response> {
 	const isAuthRequest = new URL(request.url).pathname.startsWith(
 		"/api/v1/auth/",
 	);
 	const session = auth;
 	const generation = session?.generation?.();
-	const isCurrent = () => generation === auth?.generation?.();
+	const isCurrent = () =>
+		(session?.generation
+			? generation === session.generation() &&
+				generation === auth?.generation?.()
+			: session === auth) && isLatest();
 	const token = session?.accessToken();
 	const withToken = (source: Request, value: string) => {
 		const headers = new Headers(source.headers);
@@ -55,6 +98,7 @@ async function authenticatedFetch(request: Request): Promise<Response> {
 		token && !isAuthRequest ? withToken(request, token) : request;
 	const retryRequest = authorized.clone();
 	const response = await fetch(authorized);
+	await response.clone().arrayBuffer();
 	if (!isAuthRequest && !isCurrent())
 		throw new DOMException("Session changed", "AbortError");
 	if (
@@ -78,6 +122,7 @@ async function authenticatedFetch(request: Request): Promise<Response> {
 	const refreshedToken = auth.accessToken();
 	if (!refreshedToken) return response;
 	const retried = await fetch(withToken(retryRequest, refreshedToken));
+	await retried.clone().arrayBuffer();
 	if (!isCurrent()) throw new DOMException("Session changed", "AbortError");
 	return retried;
 }
@@ -95,5 +140,6 @@ export {
 	apiQueryClient,
 	configureAuthClient,
 	getAuthenticatedSessionSnapshot,
+	invalidateApiRequests,
 	subscribeAuthenticatedSession,
 };

src/shared/api/index.ts

@@ -2,6 +2,17 @@ export {
 	useAuthenticatedQueries,
 	useAuthenticatedQuery,
 } from "./authenticated-query";
-export { apiClient, apiQueryClient, configureAuthClient } from "./client";
+export {
+	apiClient,
+	apiQueryClient,
+	configureAuthClient,
+	invalidateApiRequests,
+} from "./client";
 export type { paths } from "./generated/schema";
 export { apiErrorCode } from "./problem-details";
+
+export {
+	invalidateResourceAccess,
+	unwrapResourceResult,
+	useResourceQuery,
+} from "./resource-query";

src/shared/api/resource-query.ts

@@ -0,0 +1,150 @@
+import type { QueryClient } from "@tanstack/react-query";
+import {
+	type QueryFunctionContext,
+	type QueryKey,
+	type UseQueryOptions,
+	type UseQueryResult,
+	useQueryClient,
+} from "@tanstack/react-query";
+import { useEffect } from "react";
+import { useAuthenticatedQuery } from "./authenticated-query";
+import type { components } from "./generated/schema";
+import { apiErrorCode } from "./problem-details";
+
+const accessEpochs = new WeakMap<QueryClient, Map<string, number>>();
+
+type Resource = {
+	data: unknown;
+	meta: components["schemas"]["InvestmentResourceMetaDto"];
+};
+function unwrapResourceResult<T extends Resource, E>(
+	result: UseQueryResult<T, E>,
+) {
+	const missing = result.isSuccess && result.data.data === null;
+	return {
+		...result,
+		transport: {
+			status: result.status,
+			fetchStatus: result.fetchStatus,
+			error: result.error,
+		},
+		data: result.data?.data ?? undefined,
+		meta: result.data?.meta,
+		isPending: result.isPending || missing,
+		isSuccess: result.isSuccess && !missing,
+		status: missing ? "pending" : result.status,
+	} as UseQueryResult<NonNullable<T["data"]>, E> & {
+		meta?: T["meta"];
+		transport: {
+			status: UseQueryResult<T, E>["status"];
+			fetchStatus: UseQueryResult<T, E>["fetchStatus"];
+			error: E | null;
+		};
+	};
+}
+
+function invalidateResourceAccess(
+	client: QueryClient,
+	group: string,
+	error: unknown,
+) {
+	if (
+		![
+			"NOT_FOUND",
+			"FORBIDDEN",
+			"TBANK_NOT_CONNECTED",
+			"INVALID_TBANK_TOKEN",
+		].includes(apiErrorCode(error) ?? "")
+	)
+		return;
+	const epochs = accessEpochs.get(client) ?? new Map<string, number>();
+	accessEpochs.set(client, epochs);
+	epochs.set(group, (epochs.get(group) ?? 0) + 1);
+	const affected = {
+		predicate: (cached: { meta?: Record<string, unknown> }) =>
+			cached.meta?.accessGroup === group,
+	};
+	void client.cancelQueries(affected);
+	for (const cached of client.getQueryCache().findAll(affected))
+		cached.setState({
+			data: undefined,
+			dataUpdatedAt: 0,
+			status: "error",
+			error: error as Error,
+			fetchStatus: "idle",
+		});
+}
+
+// Observation changes transport mode, never the generated cache identity.
+function useResourceQuery<T extends Resource, E, K extends QueryKey>(
+	options: UseQueryOptions<T, E, T, K>,
+) {
+	const client = useQueryClient();
+	const group =
+		typeof options.meta?.accessGroup === "string"
+			? options.meta.accessGroup
+			: undefined;
+	let epochs = accessEpochs.get(client);
+	if (!epochs) {
+		epochs = new Map();
+		accessEpochs.set(client, epochs);
+	}
+	const groupEpochs = epochs;
+	const queryFn = options.queryFn;
+	const guarded =
+		typeof queryFn === "function"
+			? async (context: QueryFunctionContext<K>) => {
+					const epoch = group ? (groupEpochs.get(group) ?? 0) : 0;
+					const result = await queryFn(context);
+					if (group && epoch !== (groupEpochs.get(group) ?? 0))
+						throw new DOMException("Access changed", "AbortError");
+					return result;
+				}
+			: queryFn;
+	const query = useAuthenticatedQuery({ ...options, queryFn: guarded });
+	useEffect(() => {
+		if (group) invalidateResourceAccess(client, group, query.error);
+	}, [client, group, query.error]);
+	const observe = async (expectedStateVersion?: string) => {
+		const queryFn = guarded;
+		if (typeof queryFn !== "function") return;
+		await client.cancelQueries({ queryKey: options.queryKey, exact: true });
+		return client.fetchQuery({
+			...options,
+			staleTime: 0,
+			retry: false,
+			queryFn: async (context: QueryFunctionContext<K>) => {
+				const [method, path, input] = context.queryKey;
+				const init = input as
+					| { params?: { query?: Record<string, unknown> } }
+					| undefined;
+				const queryKey = [
+					method,
+					path,
+					{
+						...init,
+						params: {
+							...init?.params,
+							query: { ...init?.params?.query, sync: "observe" },
+						},
+					},
+				] as unknown as K;
+				const response = await queryFn({ ...context, queryKey });
+				if (
+					expectedStateVersion &&
+					response.meta.stateVersion !== expectedStateVersion
+				) {
+					// One more observational read; never turn a stale notification into an import.
+					const current = await queryFn({ ...context, queryKey });
+					if (current.meta.stateVersion !== expectedStateVersion)
+						throw new DOMException("Resource changed", "AbortError");
+					return current;
+				}
+				return response;
+			},
+		});
+	};
+	return { ...unwrapResourceResult(query), observe };
+}
+
+export { invalidateResourceAccess, unwrapResourceResult, useResourceQuery };

src/shared/i18n/locales/ru.ts

@@ -1,5 +1,14 @@
 const ru = {
 	translation: {
+		investment: {
+			refresh: "Обновить",
+			stale: "Данные требуют обновления",
+			syncFailed:
+				"Источник не удалось обновить. Сохранённые данные не изменены.",
+			partial: "Период загружен не полностью",
+			history: "История догружается",
+			sourceTime: "Данные на {{date}}",
+		},
 		appName: "WealthLedger",
 		navigation: {
 			cards: "Карты",
@@ -623,6 +632,10 @@ const ru = {
 			taxBoundary: "Налоговые операции не включены в этот результат.",
 			comparisonEmpty: "За эти периоды купоны и дивиденды не найдены.",
 			yearAgo: "Годом ранее",
+			previousPeriod: "Предыдущий период",
+			comparisonPending: "Период сравнения ещё не загружен полностью.",
+			comparisonFailed:
+				"Не удалось загрузить период сравнения. Повторите обновление.",
 			yearUnavailable: "Сравнение с годом ранее недоступно.",
 			difference: "Разница",
 			total: "Итого",

src/test/handlers.ts

@@ -1,4 +1,5 @@
 import { HttpResponse, http } from "msw";
+import { resource } from "@/test/resource";
 
 const authentication = {
 	accessToken: "test-token",
@@ -26,40 +27,50 @@ const handlers = [
 		"*/api/v1/tbank-connection",
 		() => new HttpResponse(null, { status: 204 }),
 	),
-	http.get("*/api/v1/brokerage-accounts", () => HttpResponse.json([])),
+	http.get("*/api/v1/brokerage-accounts", () =>
+		HttpResponse.json(resource([])),
+	),
 	http.get("*/api/v1/brokerage-accounts/:accountId/portfolio", () =>
-		HttpResponse.json({
-			lastSuccessfulAt: "2026-08-14T00:00:00Z",
-			isStale: false,
-			totalsByCurrency: [],
-			positions: [],
-			structure: { currencies: [], unvaluedCategories: [] },
-			cashBalances: [],
-		}),
+		HttpResponse.json(
+			resource({
+				lastSuccessfulAt: "2026-08-14T00:00:00Z",
+				isStale: false,
+				totalsByCurrency: [],
+				positions: [],
+				structure: { currencies: [], unvaluedCategories: [] },
+				cashBalances: [],
+			}),
+		),
 	),
 	http.get("*/api/v1/brokerage-accounts/:accountId/operations", () =>
-		HttpResponse.json({
-			accountId: "account-1",
-			items: [],
-			nextCursor: null,
-			hasNext: false,
-			observedAt: "2026-08-14T00:00:00Z",
-		}),
+		HttpResponse.json(
+			resource({
+				accountId: "account-1",
+				items: [],
+				nextCursor: null,
+				hasNext: false,
+				observedAt: "2026-08-14T00:00:00Z",
+			}),
+		),
 	),
 	http.get("*/api/v1/brokerage-accounts/:accountId/events", () =>
-		HttpResponse.json({
-			accountId: "account-1",
-			calculatedAt: "2026-08-14T00:00:00Z",
-			events: [],
-		}),
+		HttpResponse.json(
+			resource({
+				accountId: "account-1",
+				calculatedAt: "2026-08-14T00:00:00Z",
+				events: [],
+			}),
+		),
 	),
 	http.get("*/api/v1/brokerage-accounts/:accountId/income-summary", () =>
-		HttpResponse.json({
-			accountId: "account-1",
-			period: { from: "2026-01-01", to: "2026-08-14" },
-			totalsByCurrency: [],
-			calculatedAt: "2026-08-14T00:00:00Z",
-		}),
+		HttpResponse.json(
+			resource({
+				accountId: "account-1",
+				period: { from: "2026-01-01", to: "2026-08-14" },
+				totalsByCurrency: [],
+				calculatedAt: "2026-08-14T00:00:00Z",
+			}),
+		),
 	),
 ];
 

src/test/resource.ts

@@ -0,0 +1,21 @@
+import type { paths } from "@/shared/api";
+
+type Meta =
+	paths["/api/v1/brokerage-accounts"]["get"]["responses"][200]["content"]["application/json"]["meta"];
+function resource<T>(data: T, meta: Partial<Meta> = {}) {
+	return {
+		data,
+		meta: {
+			resourceKey: "fixture",
+			dataRevision: "1",
+			stateVersion: "1",
+			availability: data === null ? "missing" : "complete",
+			freshness: "fresh",
+			lastSuccessfulAt: "2026-08-14T00:00:00Z",
+			sync: { id: null, state: "idle", errorCode: null },
+			...meta,
+		} satisfies Meta,
+	};
+}
+
+export { resource };