feat(payments): track household payment confirmations

2026-03-31 12:04:02 +00:00 · 2026-03-10 17:00:45 +04:00
parent fb85219409
commit 1988521931
31 changed files with 4795 additions and 19 deletions
--- a/apps/bot/src/household-setup.ts
+++ b/apps/bot/src/household-setup.ts
@@ -67,7 +67,7 @@ function bindRejectionMessage(

 function bindTopicUsageMessage(
  locale: BotLocale,
-  role: 'purchase' | 'feedback' | 'reminders'
+  role: 'purchase' | 'feedback' | 'reminders' | 'payments'
 ): string {
  const t = getBotTranslations(locale).setup

@@ -78,12 +78,14 @@ function bindTopicUsageMessage(
      return t.useBindFeedbackTopicInGroup
    case 'reminders':
      return t.useBindRemindersTopicInGroup
+    case 'payments':
+      return t.useBindPaymentsTopicInGroup
  }
 }

 function bindTopicSuccessMessage(
  locale: BotLocale,
-  role: 'purchase' | 'feedback' | 'reminders',
+  role: 'purchase' | 'feedback' | 'reminders' | 'payments',
  householdName: string,
  threadId: string
 ): string {
@@ -96,6 +98,8 @@ function bindTopicSuccessMessage(
      return t.feedbackTopicSaved(householdName, threadId)
    case 'reminders':
      return t.remindersTopicSaved(householdName, threadId)
+    case 'payments':
+      return t.paymentsTopicSaved(householdName, threadId)
  }
 }

@@ -218,7 +222,7 @@ export function registerHouseholdSetupCommands(options: {
 }): void {
  async function handleBindTopicCommand(
    ctx: Context,
-    role: 'purchase' | 'feedback' | 'reminders'
+    role: 'purchase' | 'feedback' | 'reminders' | 'payments'
  ): Promise<void> {
    const locale = await resolveReplyLocale({
      ctx,
@@ -455,6 +459,10 @@ export function registerHouseholdSetupCommands(options: {
    await handleBindTopicCommand(ctx, 'reminders')
  })

+  options.bot.command('bind_payments_topic', async (ctx) => {
+    await handleBindTopicCommand(ctx, 'payments')
+  })
+
  options.bot.command('pending_members', async (ctx) => {
    const locale = await resolveReplyLocale({
      ctx,
--- a/apps/bot/src/i18n/locales/en.ts
+++ b/apps/bot/src/i18n/locales/en.ts
@@ -11,6 +11,7 @@ export const enBotTranslations: BotTranslationCatalog = {
    bind_purchase_topic: 'Bind the current topic as purchases',
    bind_feedback_topic: 'Bind the current topic as feedback',
    bind_reminders_topic: 'Bind the current topic as reminders',
+    bind_payments_topic: 'Bind the current topic as payments',
    pending_members: 'List pending household join requests',
    approve_member: 'Approve a pending household member'
  },
@@ -53,7 +54,7 @@ export const enBotTranslations: BotTranslationCatalog = {
      [
        `Household ${created ? 'created' : 'already registered'}: ${householdName}`,
        `Chat ID: ${telegramChatId}`,
-        'Next: open the purchase topic and run /bind_purchase_topic, then open the feedback topic and run /bind_feedback_topic. If you want a dedicated reminders topic, open it and run /bind_reminders_topic.',
+        'Next: open the purchase topic and run /bind_purchase_topic, then open the feedback topic and run /bind_feedback_topic. If you want dedicated reminders or payments topics, open them and run /bind_reminders_topic or /bind_payments_topic.',
        'Members should open the bot chat from the button below and confirm the join request there.'
      ].join('\n'),
    useBindPurchaseTopicInGroup: 'Use /bind_purchase_topic inside the household group topic.',
@@ -65,6 +66,9 @@ export const enBotTranslations: BotTranslationCatalog = {
    useBindRemindersTopicInGroup: 'Use /bind_reminders_topic inside the household group topic.',
    remindersTopicSaved: (householdName, threadId) =>
      `Reminders topic saved for ${householdName} (thread ${threadId}).`,
+    useBindPaymentsTopicInGroup: 'Use /bind_payments_topic inside the household group topic.',
+    paymentsTopicSaved: (householdName, threadId) =>
+      `Payments topic saved for ${householdName} (thread ${threadId}).`,
    usePendingMembersInGroup: 'Use /pending_members inside the household group.',
    useApproveMemberInGroup: 'Use /approve_member inside the household group.',
    approveMemberUsage: 'Usage: /approve_member <telegram_user_id>',
@@ -147,5 +151,13 @@ export const enBotTranslations: BotTranslationCatalog = {
    recorded: (summary) => `Recorded purchase: ${summary}`,
    savedForReview: (summary) => `Saved for review: ${summary}`,
    parseFailed: "Saved for review: I couldn't parse this purchase yet."
+  },
+  payments: {
+    topicMissing:
+      'Payments topic is not configured for this household yet. Ask an admin to run /bind_payments_topic.',
+    recorded: (kind, amount, currency) =>
+      `Recorded ${kind === 'rent' ? 'rent' : 'utilities'} payment: ${amount} ${currency}`,
+    savedForReview: 'Saved this payment confirmation for review.',
+    duplicate: 'This payment confirmation was already processed.'
  }
 }
--- a/apps/bot/src/i18n/locales/ru.ts
+++ b/apps/bot/src/i18n/locales/ru.ts
@@ -11,6 +11,7 @@ export const ruBotTranslations: BotTranslationCatalog = {
    bind_purchase_topic: 'Назначить текущий топик для покупок',
    bind_feedback_topic: 'Назначить текущий топик для анонимных сообщений',
    bind_reminders_topic: 'Назначить текущий топик для напоминаний',
+    bind_payments_topic: 'Назначить текущий топик для оплат',
    pending_members: 'Показать ожидающие заявки на вступление',
    approve_member: 'Подтвердить участника дома'
  },
@@ -55,7 +56,7 @@ export const ruBotTranslations: BotTranslationCatalog = {
      [
        `${created ? 'Дом создан' : 'Дом уже подключён'}: ${householdName}`,
        `ID чата: ${telegramChatId}`,
-        'Дальше: откройте топик покупок и выполните /bind_purchase_topic, затем откройте топик обратной связи и выполните /bind_feedback_topic. Если хотите отдельный топик для напоминаний, откройте его и выполните /bind_reminders_topic.',
+        'Дальше: откройте топик покупок и выполните /bind_purchase_topic, затем откройте топик обратной связи и выполните /bind_feedback_topic. Если хотите отдельные топики для напоминаний или оплат, откройте их и выполните /bind_reminders_topic или /bind_payments_topic.',
        'Участники должны открыть чат с ботом по кнопке ниже и подтвердить заявку на вступление.'
      ].join('\n'),
    useBindPurchaseTopicInGroup: 'Используйте /bind_purchase_topic внутри топика группы дома.',
@@ -67,6 +68,9 @@ export const ruBotTranslations: BotTranslationCatalog = {
    useBindRemindersTopicInGroup: 'Используйте /bind_reminders_topic внутри топика группы дома.',
    remindersTopicSaved: (householdName, threadId) =>
      `Топик напоминаний сохранён для ${householdName} (тред ${threadId}).`,
+    useBindPaymentsTopicInGroup: 'Используйте /bind_payments_topic внутри топика группы дома.',
+    paymentsTopicSaved: (householdName, threadId) =>
+      `Топик оплат сохранён для ${householdName} (тред ${threadId}).`,
    usePendingMembersInGroup: 'Используйте /pending_members внутри группы дома.',
    useApproveMemberInGroup: 'Используйте /approve_member внутри группы дома.',
    approveMemberUsage: 'Использование: /approve_member <telegram_user_id>',
@@ -150,5 +154,13 @@ export const ruBotTranslations: BotTranslationCatalog = {
    recorded: (summary) => `Покупка сохранена: ${summary}`,
    savedForReview: (summary) => `Сохранено на проверку: ${summary}`,
    parseFailed: 'Сохранено на проверку: пока не удалось распознать эту покупку.'
+  },
+  payments: {
+    topicMissing:
+      'Для этого дома ещё не настроен топик оплат. Попросите админа выполнить /bind_payments_topic.',
+    recorded: (kind, amount, currency) =>
+      `Оплата ${kind === 'rent' ? 'аренды' : 'коммуналки'} сохранена: ${amount} ${currency}`,
+    savedForReview: 'Это подтверждение оплаты сохранено на проверку.',
+    duplicate: 'Это подтверждение оплаты уже было обработано.'
  }
 }
--- a/apps/bot/src/i18n/types.ts
+++ b/apps/bot/src/i18n/types.ts
@@ -9,6 +9,7 @@ export type TelegramCommandName =
  | 'bind_purchase_topic'
  | 'bind_feedback_topic'
  | 'bind_reminders_topic'
+  | 'bind_payments_topic'
  | 'pending_members'
  | 'approve_member'

@@ -21,6 +22,7 @@ export interface BotCommandDescriptions {
  bind_purchase_topic: string
  bind_feedback_topic: string
  bind_reminders_topic: string
+  bind_payments_topic: string
  pending_members: string
  approve_member: string
 }
@@ -77,6 +79,8 @@ export interface BotTranslationCatalog {
    feedbackTopicSaved: (householdName: string, threadId: string) => string
    useBindRemindersTopicInGroup: string
    remindersTopicSaved: (householdName: string, threadId: string) => string
+    useBindPaymentsTopicInGroup: string
+    paymentsTopicSaved: (householdName: string, threadId: string) => string
    usePendingMembersInGroup: string
    useApproveMemberInGroup: string
    approveMemberUsage: string
@@ -153,4 +157,10 @@ export interface BotTranslationCatalog {
    savedForReview: (summary: string) => string
    parseFailed: string
  }
+  payments: {
+    topicMissing: string
+    recorded: (kind: 'rent' | 'utilities', amount: string, currency: string) => string
+    savedForReview: string
+    duplicate: string
+  }
 }
--- a/apps/bot/src/index.ts
+++ b/apps/bot/src/index.ts
@@ -8,7 +8,8 @@ import {
  createLocalePreferenceService,
  createMiniAppAdminService,
  createHouseholdSetupService,
-  createReminderJobService
+  createReminderJobService,
+  createPaymentConfirmationService
 } from '@household/application'
 import {
  createDbAnonymousFeedbackRepository,
@@ -29,6 +30,7 @@ import {
  createPurchaseMessageRepository,
  registerConfiguredPurchaseTopicIngestion
 } from './purchase-topic-ingestion'
+import { registerConfiguredPaymentTopicIngestion } from './payment-topic-ingestion'
 import { createReminderJobsHandler } from './reminder-jobs'
 import { createSchedulerRequestAuthorizer } from './scheduler-auth'
 import { createBotWebhookServer } from './server'
@@ -72,6 +74,10 @@ const bot = createTelegramBot(
 const webhookHandler = webhookCallback(bot, 'std/http')
 const financeRepositoryClients = new Map<string, ReturnType<typeof createDbFinanceRepository>>()
 const financeServices = new Map<string, ReturnType<typeof createFinanceCommandService>>()
+const paymentConfirmationServices = new Map<
+  string,
+  ReturnType<typeof createPaymentConfirmationService>
+>()
 const exchangeRateProvider = createNbgExchangeRateProvider({
  logger: getLogger('fx')
 })
@@ -105,10 +111,7 @@ function financeServiceForHousehold(householdId: string) {
    return existing
  }

-  const repositoryClient = createDbFinanceRepository(runtime.databaseUrl!, householdId)
-  financeRepositoryClients.set(householdId, repositoryClient)
-  shutdownTasks.push(repositoryClient.close)
-
+  const repositoryClient = financeRepositoryForHousehold(householdId)
  const service = createFinanceCommandService({
    householdId,
    repository: repositoryClient.repository,
@@ -119,6 +122,35 @@ function financeServiceForHousehold(householdId: string) {
  return service
 }

+function financeRepositoryForHousehold(householdId: string) {
+  const existing = financeRepositoryClients.get(householdId)
+  if (existing) {
+    return existing
+  }
+
+  const repositoryClient = createDbFinanceRepository(runtime.databaseUrl!, householdId)
+  financeRepositoryClients.set(householdId, repositoryClient)
+  shutdownTasks.push(repositoryClient.close)
+  return repositoryClient
+}
+
+function paymentConfirmationServiceForHousehold(householdId: string) {
+  const existing = paymentConfirmationServices.get(householdId)
+  if (existing) {
+    return existing
+  }
+
+  const service = createPaymentConfirmationService({
+    householdId,
+    financeService: financeServiceForHousehold(householdId),
+    repository: financeRepositoryForHousehold(householdId).repository,
+    householdConfigurationRepository: householdConfigurationRepositoryClient!.repository,
+    exchangeRateProvider
+  })
+  paymentConfirmationServices.set(householdId, service)
+  return service
+}
+
 function anonymousFeedbackServiceForHousehold(householdId: string) {
  const existing = anonymousFeedbackServices.get(householdId)
  if (existing) {
@@ -160,6 +192,15 @@ if (runtime.databaseUrl && householdConfigurationRepositoryClient) {
      logger: getLogger('purchase-ingestion')
    }
  )
+
+  registerConfiguredPaymentTopicIngestion(
+    bot,
+    householdConfigurationRepositoryClient.repository,
+    paymentConfirmationServiceForHousehold,
+    {
+      logger: getLogger('payment-ingestion')
+    }
+  )
 } else {
  logger.warn(
    {
--- a/apps/bot/src/miniapp-dashboard.test.ts
+++ b/apps/bot/src/miniapp-dashboard.test.ts
@@ -61,6 +61,7 @@ function repository(
        createdAt: instantFromIso('2026-03-12T12:00:00.000Z')
      }
    ],
+    listPaymentRecordsForCycle: async () => [],
    listParsedPurchasesForRange: async () => [
      {
        id: 'purchase-1',
@@ -71,6 +72,12 @@ function repository(
        occurredAt: instantFromIso('2026-03-12T11:00:00.000Z')
      }
    ],
+    getSettlementSnapshotLines: async () => [],
+    savePaymentConfirmation: async () =>
+      ({
+        status: 'needs_review',
+        reviewReason: 'settlement_not_ready'
+      }) as const,
    replaceSettlementSnapshot: async () => {}
  }
 }
--- a/apps/bot/src/miniapp-dashboard.ts
+++ b/apps/bot/src/miniapp-dashboard.ts
@@ -89,6 +89,8 @@ export function createMiniAppDashboardHandler(options: {
              period: dashboard.period,
              currency: dashboard.currency,
              totalDueMajor: dashboard.totalDue.toMajorString(),
+              totalPaidMajor: dashboard.totalPaid.toMajorString(),
+              totalRemainingMajor: dashboard.totalRemaining.toMajorString(),
              rentSourceAmountMajor: dashboard.rentSourceAmount.toMajorString(),
              rentSourceCurrency: dashboard.rentSourceAmount.currency,
              rentDisplayAmountMajor: dashboard.rentDisplayAmount.toMajorString(),
@@ -101,6 +103,8 @@ export function createMiniAppDashboardHandler(options: {
                utilityShareMajor: line.utilityShare.toMajorString(),
                purchaseOffsetMajor: line.purchaseOffset.toMajorString(),
                netDueMajor: line.netDue.toMajorString(),
+                paidMajor: line.paid.toMajorString(),
+                remainingMajor: line.remaining.toMajorString(),
                explanations: line.explanations
              })),
              ledger: dashboard.ledger.map((entry) => ({
--- a/apps/bot/src/payment-topic-ingestion.test.ts
+++ b/apps/bot/src/payment-topic-ingestion.test.ts
@@ -0,0 +1,169 @@
+import { describe, expect, test } from 'bun:test'
+
+import { instantFromIso, Money } from '@household/domain'
+import { createTelegramBot } from './bot'
+import {
+  buildPaymentAcknowledgement,
+  registerConfiguredPaymentTopicIngestion,
+  resolveConfiguredPaymentTopicRecord,
+  type PaymentTopicCandidate
+} from './payment-topic-ingestion'
+
+function candidate(overrides: Partial<PaymentTopicCandidate> = {}): PaymentTopicCandidate {
+  return {
+    updateId: 1,
+    chatId: '-10012345',
+    messageId: '10',
+    threadId: '888',
+    senderTelegramUserId: '10002',
+    rawText: 'за жилье закинул',
+    attachmentCount: 0,
+    messageSentAt: instantFromIso('2026-03-20T00:00:00.000Z'),
+    ...overrides
+  }
+}
+
+function paymentUpdate(text: string) {
+  return {
+    update_id: 1001,
+    message: {
+      message_id: 55,
+      date: Math.floor(Date.now() / 1000),
+      message_thread_id: 888,
+      is_topic_message: true,
+      chat: {
+        id: -10012345,
+        type: 'supergroup'
+      },
+      from: {
+        id: 10002,
+        is_bot: false,
+        first_name: 'Mia'
+      },
+      text
+    }
+  }
+}
+
+describe('resolveConfiguredPaymentTopicRecord', () => {
+  test('returns record when the topic role is payments', () => {
+    const record = resolveConfiguredPaymentTopicRecord(candidate(), {
+      householdId: 'household-1',
+      role: 'payments',
+      telegramThreadId: '888',
+      topicName: 'Быт'
+    })
+
+    expect(record).not.toBeNull()
+    expect(record?.householdId).toBe('household-1')
+  })
+
+  test('skips non-payments topic bindings', () => {
+    const record = resolveConfiguredPaymentTopicRecord(candidate(), {
+      householdId: 'household-1',
+      role: 'feedback',
+      telegramThreadId: '888',
+      topicName: 'Анонимно'
+    })
+
+    expect(record).toBeNull()
+  })
+})
+
+describe('buildPaymentAcknowledgement', () => {
+  test('returns localized recorded acknowledgement', () => {
+    expect(
+      buildPaymentAcknowledgement('ru', {
+        status: 'recorded',
+        kind: 'rent',
+        amountMajor: '472.50',
+        currency: 'GEL'
+      })
+    ).toBe('Оплата аренды сохранена: 472.50 GEL')
+  })
+
+  test('returns review acknowledgement', () => {
+    expect(
+      buildPaymentAcknowledgement('en', {
+        status: 'needs_review'
+      })
+    ).toBe('Saved this payment confirmation for review.')
+  })
+})
+
+describe('registerConfiguredPaymentTopicIngestion', () => {
+  test('replies in-topic after a payment confirmation is recorded', async () => {
+    const bot = createTelegramBot('000000:test-token')
+    const calls: Array<{ method: string; payload: unknown }> = []
+
+    bot.botInfo = {
+      id: 999000,
+      is_bot: true,
+      first_name: 'Household Test Bot',
+      username: 'household_test_bot',
+      can_join_groups: true,
+      can_read_all_group_messages: false,
+      supports_inline_queries: false,
+      can_connect_to_business: false,
+      has_main_web_app: false,
+      has_topics_enabled: true,
+      allows_users_to_create_topics: false
+    }
+
+    bot.api.config.use(async (_prev, method, payload) => {
+      calls.push({ method, payload })
+
+      return {
+        ok: true,
+        result: {
+          message_id: calls.length,
+          date: Math.floor(Date.now() / 1000),
+          chat: {
+            id: -10012345,
+            type: 'supergroup'
+          },
+          text: 'ok'
+        }
+      } as never
+    })
+
+    registerConfiguredPaymentTopicIngestion(
+      bot,
+      {
+        getHouseholdChatByHouseholdId: async () => ({
+          householdId: 'household-1',
+          householdName: 'Test bot',
+          telegramChatId: '-10012345',
+          telegramChatType: 'supergroup',
+          title: 'Test bot',
+          defaultLocale: 'ru'
+        }),
+        findHouseholdTopicByTelegramContext: async () => ({
+          householdId: 'household-1',
+          role: 'payments',
+          telegramThreadId: '888',
+          topicName: 'Быт'
+        })
+      } as never,
+      () => ({
+        submit: async () => ({
+          status: 'recorded',
+          kind: 'rent',
+          amount: Money.fromMajor('472.50', 'GEL')
+        })
+      })
+    )
+
+    await bot.handleUpdate(paymentUpdate('за жилье закинул') as never)
+
+    expect(calls).toHaveLength(1)
+    expect(calls[0]?.method).toBe('sendMessage')
+    expect(calls[0]?.payload).toMatchObject({
+      chat_id: -10012345,
+      reply_parameters: {
+        message_id: 55
+      },
+      text: 'Оплата аренды сохранена: 472.50 GEL'
+    })
+  })
+})
--- a/apps/bot/src/payment-topic-ingestion.ts
+++ b/apps/bot/src/payment-topic-ingestion.ts
@@ -0,0 +1,225 @@
+import type { PaymentConfirmationService } from '@household/application'
+import { instantFromEpochSeconds, type Instant } from '@household/domain'
+import type { Bot, Context } from 'grammy'
+import type { Logger } from '@household/observability'
+import type {
+  HouseholdConfigurationRepository,
+  HouseholdTopicBindingRecord
+} from '@household/ports'
+
+import { getBotTranslations, type BotLocale } from './i18n'
+
+export interface PaymentTopicCandidate {
+  updateId: number
+  chatId: string
+  messageId: string
+  threadId: string
+  senderTelegramUserId: string
+  rawText: string
+  attachmentCount: number
+  messageSentAt: Instant
+}
+
+export interface PaymentTopicRecord extends PaymentTopicCandidate {
+  householdId: string
+}
+
+function readMessageText(ctx: Context): string | null {
+  const message = ctx.message
+  if (!message) {
+    return null
+  }
+
+  if ('text' in message && typeof message.text === 'string') {
+    return message.text
+  }
+
+  if ('caption' in message && typeof message.caption === 'string') {
+    return message.caption
+  }
+
+  return null
+}
+
+function attachmentCount(ctx: Context): number {
+  const message = ctx.message
+  if (!message) {
+    return 0
+  }
+
+  if ('photo' in message && Array.isArray(message.photo)) {
+    return message.photo.length
+  }
+
+  if ('document' in message && message.document) {
+    return 1
+  }
+
+  return 0
+}
+
+function toCandidateFromContext(ctx: Context): PaymentTopicCandidate | null {
+  const message = ctx.message
+  const rawText = readMessageText(ctx)
+  if (!message || !rawText) {
+    return null
+  }
+
+  if (!('is_topic_message' in message) || message.is_topic_message !== true) {
+    return null
+  }
+
+  if (!('message_thread_id' in message) || message.message_thread_id === undefined) {
+    return null
+  }
+
+  const senderTelegramUserId = ctx.from?.id?.toString()
+  if (!senderTelegramUserId) {
+    return null
+  }
+
+  return {
+    updateId: ctx.update.update_id,
+    chatId: message.chat.id.toString(),
+    messageId: message.message_id.toString(),
+    threadId: message.message_thread_id.toString(),
+    senderTelegramUserId,
+    rawText,
+    attachmentCount: attachmentCount(ctx),
+    messageSentAt: instantFromEpochSeconds(message.date)
+  }
+}
+
+export function resolveConfiguredPaymentTopicRecord(
+  value: PaymentTopicCandidate,
+  binding: HouseholdTopicBindingRecord
+): PaymentTopicRecord | null {
+  const normalizedText = value.rawText.trim()
+  if (normalizedText.length === 0) {
+    return null
+  }
+
+  if (binding.role !== 'payments') {
+    return null
+  }
+
+  return {
+    ...value,
+    rawText: normalizedText,
+    householdId: binding.householdId
+  }
+}
+
+export function buildPaymentAcknowledgement(
+  locale: BotLocale,
+  result:
+    | { status: 'duplicate' }
+    | {
+        status: 'recorded'
+        kind: 'rent' | 'utilities'
+        amountMajor: string
+        currency: 'USD' | 'GEL'
+      }
+    | { status: 'needs_review' }
+): string | null {
+  const t = getBotTranslations(locale).payments
+
+  switch (result.status) {
+    case 'duplicate':
+      return null
+    case 'recorded':
+      return t.recorded(result.kind, result.amountMajor, result.currency)
+    case 'needs_review':
+      return t.savedForReview
+  }
+}
+
+async function replyToPaymentMessage(ctx: Context, text: string): Promise<void> {
+  const message = ctx.msg
+  if (!message) {
+    return
+  }
+
+  await ctx.reply(text, {
+    reply_parameters: {
+      message_id: message.message_id
+    }
+  })
+}
+
+export function registerConfiguredPaymentTopicIngestion(
+  bot: Bot,
+  householdConfigurationRepository: HouseholdConfigurationRepository,
+  paymentServiceForHousehold: (householdId: string) => PaymentConfirmationService,
+  options: {
+    logger?: Logger
+  } = {}
+): void {
+  bot.on('message', async (ctx, next) => {
+    const candidate = toCandidateFromContext(ctx)
+    if (!candidate) {
+      await next()
+      return
+    }
+
+    const binding = await householdConfigurationRepository.findHouseholdTopicByTelegramContext({
+      telegramChatId: candidate.chatId,
+      telegramThreadId: candidate.threadId
+    })
+
+    if (!binding) {
+      await next()
+      return
+    }
+
+    const record = resolveConfiguredPaymentTopicRecord(candidate, binding)
+    if (!record) {
+      await next()
+      return
+    }
+
+    try {
+      const result = await paymentServiceForHousehold(record.householdId).submit({
+        senderTelegramUserId: record.senderTelegramUserId,
+        rawText: record.rawText,
+        telegramChatId: record.chatId,
+        telegramMessageId: record.messageId,
+        telegramThreadId: record.threadId,
+        telegramUpdateId: String(record.updateId),
+        attachmentCount: record.attachmentCount,
+        messageSentAt: record.messageSentAt
+      })
+      const householdChat = await householdConfigurationRepository.getHouseholdChatByHouseholdId(
+        record.householdId
+      )
+      const locale = householdChat?.defaultLocale ?? 'en'
+      const acknowledgement = buildPaymentAcknowledgement(
+        locale,
+        result.status === 'recorded'
+          ? {
+              status: 'recorded',
+              kind: result.kind,
+              amountMajor: result.amount.toMajorString(),
+              currency: result.amount.currency
+            }
+          : result
+      )
+
+      if (acknowledgement) {
+        await replyToPaymentMessage(ctx, acknowledgement)
+      }
+    } catch (error) {
+      options.logger?.error(
+        {
+          event: 'payment.ingest_failed',
+          chatId: record.chatId,
+          threadId: record.threadId,
+          messageId: record.messageId,
+          updateId: record.updateId,
+          error
+        },
+        'Failed to ingest payment confirmation'
+      )
+    }
+  })
+}
--- a/apps/bot/src/telegram-commands.ts
+++ b/apps/bot/src/telegram-commands.ts
@@ -27,6 +27,7 @@ const GROUP_ADMIN_COMMAND_NAMES = [
  'bind_purchase_topic',
  'bind_feedback_topic',
  'bind_reminders_topic',
+  'bind_payments_topic',
  'pending_members',
  'approve_member'
 ] as const satisfies readonly TelegramCommandName[]
--- a/apps/miniapp/src/App.tsx
+++ b/apps/miniapp/src/App.tsx
@@ -160,6 +160,20 @@ function memberBaseDueMajor(member: MiniAppDashboard['members'][number]): string
  )
 }

+function memberRemainingClass(member: MiniAppDashboard['members'][number]): string {
+  const remainingMinor = majorStringToMinor(member.remainingMajor)
+
+  if (remainingMinor < 0n) {
+    return 'is-credit'
+  }
+
+  if (remainingMinor === 0n) {
+    return 'is-settled'
+  }
+
+  return 'is-due'
+}
+
 function ledgerPrimaryAmount(entry: MiniAppDashboard['ledger'][number]): string {
  return `${entry.displayAmountMajor} ${entry.displayCurrency}`
 }
@@ -405,6 +419,8 @@ function App() {
          period: '2026-03',
          currency: 'GEL',
          totalDueMajor: '1030.00',
+          totalPaidMajor: '501.00',
+          totalRemainingMajor: '529.00',
          rentSourceAmountMajor: '700.00',
          rentSourceCurrency: 'USD',
          rentDisplayAmountMajor: '1932.00',
@@ -418,6 +434,8 @@ function App() {
              utilityShareMajor: '32.00',
              purchaseOffsetMajor: '-14.00',
              netDueMajor: '501.00',
+              paidMajor: '501.00',
+              remainingMajor: '0.00',
              explanations: ['Equal utility split', 'Shared purchase offset']
            },
            {
@@ -427,6 +445,8 @@ function App() {
              utilityShareMajor: '32.00',
              purchaseOffsetMajor: '14.00',
              netDueMajor: '529.00',
+              paidMajor: '0.00',
+              remainingMajor: '529.00',
              explanations: ['Equal utility split']
            }
          ],
@@ -893,6 +913,18 @@ function App() {
                            {currentMemberLine()!.netDueMajor} {data.currency}
                          </strong>
                        </div>
+                        <div class="stat-card">
+                          <span>{copy().paidLabel}</span>
+                          <strong>
+                            {currentMemberLine()!.paidMajor} {data.currency}
+                          </strong>
+                        </div>
+                        <div class="stat-card">
+                          <span>{copy().remainingLabel}</span>
+                          <strong>
+                            {currentMemberLine()!.remainingMajor} {data.currency}
+                          </strong>
+                        </div>
                      </div>
                    </article>
                  ) : null}
@@ -907,7 +939,7 @@ function App() {
                      <header>
                        <strong>{member.displayName}</strong>
                        <span>
-                          {member.netDueMajor} {data.currency}
+                          {member.remainingMajor} {data.currency}
                        </span>
                      </header>
                      <p>
@@ -922,6 +954,12 @@ function App() {
                      <p>
                        {copy().shareOffset}: {member.purchaseOffsetMajor} {data.currency}
                      </p>
+                      <p>
+                        {copy().paidLabel}: {member.paidMajor} {data.currency}
+                      </p>
+                      <p class={`balance-status ${memberRemainingClass(member)}`}>
+                        {copy().remainingLabel}: {member.remainingMajor} {data.currency}
+                      </p>
                    </article>
                  ))}
                </>
@@ -1554,6 +1592,18 @@ function App() {
                {dashboard() ? `${dashboard()!.totalDueMajor} ${dashboard()!.currency}` : '—'}
              </strong>
            </article>
+            <article class="stat-card">
+              <span>{copy().paidLabel}</span>
+              <strong>
+                {dashboard() ? `${dashboard()!.totalPaidMajor} ${dashboard()!.currency}` : '—'}
+              </strong>
+            </article>
+            <article class="stat-card">
+              <span>{copy().remainingLabel}</span>
+              <strong>
+                {dashboard() ? `${dashboard()!.totalRemainingMajor} ${dashboard()!.currency}` : '—'}
+              </strong>
+            </article>
            <article class="stat-card">
              <span>{copy().membersCount}</span>
              <strong>{dashboardMemberCount(dashboard())}</strong>
@@ -1578,7 +1628,7 @@ function App() {
                <header>
                  <strong>{copy().yourBalanceTitle}</strong>
                  <span>
-                    {currentMemberLine()!.netDueMajor} {dashboard()?.currency ?? ''}
+                    {currentMemberLine()!.remainingMajor} {dashboard()?.currency ?? ''}
                  </span>
                </header>
                <p>{copy().yourBalanceBody}</p>
@@ -1613,6 +1663,18 @@ function App() {
                      {currentMemberLine()!.netDueMajor} {dashboard()?.currency ?? ''}
                    </strong>
                  </div>
+                  <div class="stat-card">
+                    <span>{copy().paidLabel}</span>
+                    <strong>
+                      {currentMemberLine()!.paidMajor} {dashboard()?.currency ?? ''}
+                    </strong>
+                  </div>
+                  <div class="stat-card">
+                    <span>{copy().remainingLabel}</span>
+                    <strong>
+                      {currentMemberLine()!.remainingMajor} {dashboard()?.currency ?? ''}
+                    </strong>
+                  </div>
                </div>
              </article>
            ) : (
--- a/apps/miniapp/src/i18n.ts
+++ b/apps/miniapp/src/i18n.ts
@@ -42,6 +42,8 @@ export const dictionary = {
    overviewBody:
      'Use the sections below to review balances, ledger entries, and household access.',
    totalDue: 'Total due',
+    paidLabel: 'Paid',
+    remainingLabel: 'Remaining',
    membersCount: 'Members',
    ledgerEntries: 'Ledger entries',
    pendingRequests: 'Pending requests',
@@ -159,6 +161,8 @@ export const dictionary = {
    overviewTitle: 'Текущий цикл',
    overviewBody: 'Ниже можно посмотреть балансы, записи леджера и доступ к household.',
    totalDue: 'Итого к оплате',
+    paidLabel: 'Оплачено',
+    remainingLabel: 'Осталось',
    membersCount: 'Участники',
    ledgerEntries: 'Записи леджера',
    pendingRequests: 'Ожидают подтверждения',
--- a/apps/miniapp/src/index.css
+++ b/apps/miniapp/src/index.css
@@ -270,6 +270,18 @@ button {
  margin-top: 6px;
 }

+.balance-status.is-credit {
+  color: #95e2b0;
+}
+
+.balance-status.is-settled {
+  color: #d6d0c9;
+}
+
+.balance-status.is-due {
+  color: #f7b389;
+}
+
 .home-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
 }
--- a/apps/miniapp/src/miniapp-api.ts
+++ b/apps/miniapp/src/miniapp-api.ts
@@ -68,6 +68,8 @@ export interface MiniAppDashboard {
  period: string
  currency: 'USD' | 'GEL'
  totalDueMajor: string
+  totalPaidMajor: string
+  totalRemainingMajor: string
  rentSourceAmountMajor: string
  rentSourceCurrency: 'USD' | 'GEL'
  rentDisplayAmountMajor: string
@@ -80,6 +82,8 @@ export interface MiniAppDashboard {
    utilityShareMajor: string
    purchaseOffsetMajor: string
    netDueMajor: string
+    paidMajor: string
+    remainingMajor: string
    explanations: readonly string[]
  }[]
  ledger: {
--- a/docs/specs/HOUSEBOT-080-payment-confirmations.md
+++ b/docs/specs/HOUSEBOT-080-payment-confirmations.md
@@ -0,0 +1,39 @@
+# HOUSEBOT-080 Payment Confirmations From Household Topic
+
+## Goal
+
+Track when members confirm rent or utility payments from a dedicated household topic, without forcing them to type an exact amount every time.
+
+## Scope
+
+- add a `payments` household topic role and `/bind_payments_topic`
+- ingest text or caption-based confirmations from the configured payments topic
+- persist every confirmation message idempotently
+- record deterministic payment entries when the bot can resolve the amount safely
+- keep ambiguous confirmations in `needs_review` instead of guessing
+- expose paid and remaining amounts in the finance dashboard
+
+## Parsing rules
+
+- detect `rent` intent from phrases like `за жилье`, `аренда`, `paid rent`
+- detect `utilities` intent from phrases like `коммуналка`, `газ`, `электричество`, `utilities`
+- treat generic confirmations like `готово` as review-required
+- treat multi-person confirmations like `за двоих` or `за Кирилла и себя` as review-required
+- parse explicit amounts when present
+- if no amount is present:
+  - `rent` resolves to the member's current rent share
+  - `utilities` resolves to `utilityShare + purchaseOffset`
+
+## Persistence
+
+- `payment_confirmations`
+  - stores raw Telegram message context and normalized review state
+- `payment_records`
+  - stores accepted cycle-scoped payments in settlement currency
+
+## Acceptance
+
+- a member can say `за жилье закинул` or `оплатил коммуналку` in the configured payments topic
+- the bot records the payment against the current cycle when resolution is deterministic
+- the dashboard shows `due`, `paid`, and `remaining`
+- ambiguous confirmations are stored for review, not silently converted into money movements
--- a/packages/adapters-db/src/finance-repository.ts
+++ b/packages/adapters-db/src/finance-repository.ts
@@ -360,6 +360,30 @@ export function createDbFinanceRepository(
      }))
    },

+    async listPaymentRecordsForCycle(cycleId) {
+      const rows = await db
+        .select({
+          id: schema.paymentRecords.id,
+          memberId: schema.paymentRecords.memberId,
+          kind: schema.paymentRecords.kind,
+          amountMinor: schema.paymentRecords.amountMinor,
+          currency: schema.paymentRecords.currency,
+          recordedAt: schema.paymentRecords.recordedAt
+        })
+        .from(schema.paymentRecords)
+        .where(eq(schema.paymentRecords.cycleId, cycleId))
+        .orderBy(schema.paymentRecords.recordedAt)
+
+      return rows.map((row) => ({
+        id: row.id,
+        memberId: row.memberId,
+        kind: row.kind === 'utilities' ? 'utilities' : 'rent',
+        amountMinor: row.amountMinor,
+        currency: toCurrencyCode(row.currency),
+        recordedAt: instantFromDatabaseValue(row.recordedAt)!
+      }))
+    },
+
    async listParsedPurchasesForRange(start, end) {
      const rows = await db
        .select({
@@ -392,6 +416,121 @@ export function createDbFinanceRepository(
      }))
    },

+    async getSettlementSnapshotLines(cycleId) {
+      const rows = await db
+        .select({
+          memberId: schema.settlementLines.memberId,
+          rentShareMinor: schema.settlementLines.rentShareMinor,
+          utilityShareMinor: schema.settlementLines.utilityShareMinor,
+          purchaseOffsetMinor: schema.settlementLines.purchaseOffsetMinor,
+          netDueMinor: schema.settlementLines.netDueMinor
+        })
+        .from(schema.settlementLines)
+        .innerJoin(
+          schema.settlements,
+          eq(schema.settlementLines.settlementId, schema.settlements.id)
+        )
+        .where(eq(schema.settlements.cycleId, cycleId))
+
+      return rows.map((row) => ({
+        memberId: row.memberId,
+        rentShareMinor: row.rentShareMinor,
+        utilityShareMinor: row.utilityShareMinor,
+        purchaseOffsetMinor: row.purchaseOffsetMinor,
+        netDueMinor: row.netDueMinor
+      }))
+    },
+
+    async savePaymentConfirmation(input) {
+      return db.transaction(async (tx) => {
+        const insertedConfirmation = await tx
+          .insert(schema.paymentConfirmations)
+          .values({
+            householdId,
+            cycleId: input.cycleId,
+            memberId: input.memberId,
+            senderTelegramUserId: input.senderTelegramUserId,
+            rawText: input.rawText,
+            normalizedText: input.normalizedText,
+            detectedKind: input.kind,
+            explicitAmountMinor: input.explicitAmountMinor,
+            explicitCurrency: input.explicitCurrency,
+            resolvedAmountMinor: input.amountMinor,
+            resolvedCurrency: input.currency,
+            status: input.status,
+            reviewReason: input.status === 'needs_review' ? input.reviewReason : null,
+            attachmentCount: input.attachmentCount,
+            telegramChatId: input.telegramChatId,
+            telegramMessageId: input.telegramMessageId,
+            telegramThreadId: input.telegramThreadId,
+            telegramUpdateId: input.telegramUpdateId,
+            messageSentAt: input.messageSentAt ? instantToDate(input.messageSentAt) : null
+          })
+          .onConflictDoNothing({
+            target: [
+              schema.paymentConfirmations.householdId,
+              schema.paymentConfirmations.telegramChatId,
+              schema.paymentConfirmations.telegramMessageId
+            ]
+          })
+          .returning({
+            id: schema.paymentConfirmations.id
+          })
+
+        const confirmationId = insertedConfirmation[0]?.id
+        if (!confirmationId) {
+          return {
+            status: 'duplicate' as const
+          }
+        }
+
+        if (input.status === 'needs_review') {
+          return {
+            status: 'needs_review' as const,
+            reviewReason: input.reviewReason
+          }
+        }
+
+        const insertedPayment = await tx
+          .insert(schema.paymentRecords)
+          .values({
+            householdId,
+            cycleId: input.cycleId,
+            memberId: input.memberId,
+            kind: input.kind,
+            amountMinor: input.amountMinor,
+            currency: input.currency,
+            confirmationId,
+            recordedAt: instantToDate(input.recordedAt)
+          })
+          .returning({
+            id: schema.paymentRecords.id,
+            memberId: schema.paymentRecords.memberId,
+            kind: schema.paymentRecords.kind,
+            amountMinor: schema.paymentRecords.amountMinor,
+            currency: schema.paymentRecords.currency,
+            recordedAt: schema.paymentRecords.recordedAt
+          })
+
+        const paymentRow = insertedPayment[0]
+        if (!paymentRow) {
+          throw new Error('Failed to persist payment record')
+        }
+
+        return {
+          status: 'recorded' as const,
+          paymentRecord: {
+            id: paymentRow.id,
+            memberId: paymentRow.memberId,
+            kind: paymentRow.kind === 'utilities' ? 'utilities' : 'rent',
+            amountMinor: paymentRow.amountMinor,
+            currency: toCurrencyCode(paymentRow.currency),
+            recordedAt: instantFromDatabaseValue(paymentRow.recordedAt)!
+          }
+        }
+      })
+    },
+
    async replaceSettlementSnapshot(snapshot) {
      await db.transaction(async (tx) => {
        const upserted = await tx
--- a/packages/application/src/finance-command-service.test.ts
+++ b/packages/application/src/finance-command-service.test.ts
@@ -125,10 +125,25 @@ class FinanceRepositoryStub implements FinanceRepository {
    return this.utilityBills
  }

+  async listPaymentRecordsForCycle() {
+    return []
+  }
+
  async listParsedPurchasesForRange(): Promise<readonly FinanceParsedPurchaseRecord[]> {
    return this.purchases
  }

+  async getSettlementSnapshotLines() {
+    return []
+  }
+
+  async savePaymentConfirmation() {
+    return {
+      status: 'needs_review' as const,
+      reviewReason: 'settlement_not_ready' as const
+    }
+  }
+
  async replaceSettlementSnapshot(snapshot: SettlementSnapshotRecord): Promise<void> {
    this.replacedSnapshot = snapshot
  }
@@ -347,9 +362,11 @@ describe('createFinanceCommandService', () => {
      [
        'Statement for 2026-03',
        'Rent: 700.00 USD (~1890.00 GEL)',
-        '- Alice: 990.00 GEL',
-        '- Bob: 1020.00 GEL',
-        'Total: 2010.00 GEL'
+        '- Alice: due 990.00 GEL, paid 0.00 GEL, remaining 990.00 GEL',
+        '- Bob: due 1020.00 GEL, paid 0.00 GEL, remaining 1020.00 GEL',
+        'Total due: 2010.00 GEL',
+        'Total paid: 0.00 GEL',
+        'Total remaining: 2010.00 GEL'
      ].join('\n')
    )
    expect(repository.replacedSnapshot).not.toBeNull()
--- a/packages/application/src/finance-command-service.ts
+++ b/packages/application/src/finance-command-service.ts
@@ -86,6 +86,8 @@ export interface FinanceDashboardMemberLine {
  utilityShare: Money
  purchaseOffset: Money
  netDue: Money
+  paid: Money
+  remaining: Money
  explanations: readonly string[]
 }

@@ -107,6 +109,8 @@ export interface FinanceDashboard {
  period: string
  currency: CurrencyCode
  totalDue: Money
+  totalPaid: Money
+  totalRemaining: Money
  rentSourceAmount: Money
  rentDisplayAmount: Money
  rentFxRateMicros: bigint | null
@@ -238,6 +242,7 @@ async function buildFinanceDashboard(
    dependencies.repository.listParsedPurchasesForRange(start, end),
    dependencies.repository.listUtilityBillsForCycle(cycle.id)
  ])
+  const paymentRecords = await dependencies.repository.listPaymentRecordsForCycle(cycle.id)

  const convertedRent = await convertIntoCycleCurrency(dependencies, {
    cycle,
@@ -338,6 +343,14 @@ async function buildFinanceDashboard(
  })

  const memberNameById = new Map(members.map((member) => [member.id, member.displayName]))
+  const paymentsByMemberId = new Map<string, Money>()
+  for (const payment of paymentRecords) {
+    const current = paymentsByMemberId.get(payment.memberId) ?? Money.zero(cycle.currency)
+    paymentsByMemberId.set(
+      payment.memberId,
+      current.add(Money.fromMinor(payment.amountMinor, payment.currency))
+    )
+  }
  const dashboardMembers = settlement.lines.map((line) => ({
    memberId: line.memberId.toString(),
    displayName: memberNameById.get(line.memberId.toString()) ?? line.memberId.toString(),
@@ -345,6 +358,10 @@ async function buildFinanceDashboard(
    utilityShare: line.utilityShare,
    purchaseOffset: line.purchaseOffset,
    netDue: line.netDue,
+    paid: paymentsByMemberId.get(line.memberId.toString()) ?? Money.zero(cycle.currency),
+    remaining: line.netDue.subtract(
+      paymentsByMemberId.get(line.memberId.toString()) ?? Money.zero(cycle.currency)
+    ),
    explanations: line.explanations
  }))

@@ -389,6 +406,14 @@ async function buildFinanceDashboard(
    period: cycle.period,
    currency: cycle.currency,
    totalDue: settlement.totalDue,
+    totalPaid: paymentRecords.reduce(
+      (sum, payment) => sum.add(Money.fromMinor(payment.amountMinor, payment.currency)),
+      Money.zero(cycle.currency)
+    ),
+    totalRemaining: dashboardMembers.reduce(
+      (sum, member) => sum.add(member.remaining),
+      Money.zero(cycle.currency)
+    ),
    rentSourceAmount: convertedRent.originalAmount,
    rentDisplayAmount: convertedRent.settlementAmount,
    rentFxRateMicros: convertedRent.fxRateMicros,
@@ -560,7 +585,7 @@ export function createFinanceCommandService(
      }

      const statementLines = dashboard.members.map((line) => {
-        return `- ${line.displayName}: ${line.netDue.toMajorString()} ${dashboard.currency}`
+        return `- ${line.displayName}: due ${line.netDue.toMajorString()} ${dashboard.currency}, paid ${line.paid.toMajorString()} ${dashboard.currency}, remaining ${line.remaining.toMajorString()} ${dashboard.currency}`
      })

      const rentLine =
@@ -572,7 +597,9 @@ export function createFinanceCommandService(
        `Statement for ${dashboard.period}`,
        rentLine,
        ...statementLines,
-        `Total: ${dashboard.totalDue.toMajorString()} ${dashboard.currency}`
+        `Total due: ${dashboard.totalDue.toMajorString()} ${dashboard.currency}`,
+        `Total paid: ${dashboard.totalPaid.toMajorString()} ${dashboard.currency}`,
+        `Total remaining: ${dashboard.totalRemaining.toMajorString()} ${dashboard.currency}`
      ].join('\n')
    },

--- a/packages/application/src/index.ts
+++ b/packages/application/src/index.ts
@@ -31,3 +31,8 @@ export {
  type PurchaseParserLlmFallback,
  type PurchaseParserMode
 } from './purchase-parser'
+export {
+  createPaymentConfirmationService,
+  type PaymentConfirmationService,
+  type PaymentConfirmationSubmitResult
+} from './payment-confirmation-service'
--- a/packages/application/src/payment-confirmation-parser.test.ts
+++ b/packages/application/src/payment-confirmation-parser.test.ts
@@ -0,0 +1,36 @@
+import { describe, expect, test } from 'bun:test'
+
+import { parsePaymentConfirmationMessage } from './payment-confirmation-parser'
+
+describe('parsePaymentConfirmationMessage', () => {
+  test('detects rent confirmation without explicit amount', () => {
+    const result = parsePaymentConfirmationMessage('за жилье закинул', 'GEL')
+
+    expect(result.kind).toBe('rent')
+    expect(result.explicitAmount).toBeNull()
+    expect(result.reviewReason).toBeNull()
+  })
+
+  test('detects utility confirmation with explicit default-currency amount', () => {
+    const result = parsePaymentConfirmationMessage('оплатил газ 120', 'GEL')
+
+    expect(result.kind).toBe('utilities')
+    expect(result.explicitAmount?.amountMinor).toBe(12000n)
+    expect(result.explicitAmount?.currency).toBe('GEL')
+    expect(result.reviewReason).toBeNull()
+  })
+
+  test('keeps multi-member confirmations for review', () => {
+    const result = parsePaymentConfirmationMessage('перевел за Кирилла и себя', 'GEL')
+
+    expect(result.kind).toBeNull()
+    expect(result.reviewReason).toBe('multiple_members')
+  })
+
+  test('keeps generic done messages for review', () => {
+    const result = parsePaymentConfirmationMessage('готово', 'GEL')
+
+    expect(result.kind).toBeNull()
+    expect(result.reviewReason).toBe('kind_ambiguous')
+  })
+})
--- a/packages/application/src/payment-confirmation-parser.ts
+++ b/packages/application/src/payment-confirmation-parser.ts
@@ -0,0 +1,143 @@
+import { Money, type CurrencyCode } from '@household/domain'
+import type { FinancePaymentKind, FinancePaymentConfirmationReviewReason } from '@household/ports'
+
+export interface ParsedPaymentConfirmation {
+  normalizedText: string
+  kind: FinancePaymentKind | null
+  explicitAmount: Money | null
+  reviewReason: FinancePaymentConfirmationReviewReason | null
+}
+
+const rentKeywords = [/\b(rent|housing|apartment|landlord)\b/i, /жиль[её]/i, /аренд/i] as const
+
+const utilityKeywords = [
+  /\b(utilities|utility|gas|water|electricity|internet|cleaning)\b/i,
+  /коммун/i,
+  /газ/i,
+  /вод/i,
+  /элект/i,
+  /свет/i,
+  /интернет/i,
+  /уборк/i
+] as const
+
+const paymentIntentKeywords = [
+  /\b(paid|pay|sent|done|transfer(red)?)\b/i,
+  /оплат/i,
+  /закинул/i,
+  /закину/i,
+  /перев[её]л/i,
+  /перевела/i,
+  /скинул/i,
+  /скинула/i,
+  /отправил/i,
+  /отправила/i,
+  /готово/i
+] as const
+
+const multiMemberKeywords = [
+  /за\s+двоих/i,
+  /\bfor\s+two\b/i,
+  /за\s+.*\s+и\s+себя/i,
+  /за\s+.*\s+и\s+меня/i
+] as const
+
+function hasMatch(patterns: readonly RegExp[], value: string): boolean {
+  return patterns.some((pattern) => pattern.test(value))
+}
+
+function parseExplicitAmount(rawText: string, defaultCurrency: CurrencyCode): Money | null {
+  const symbolMatch = rawText.match(/(?:^|[^\d])(\$|₾)\s*(\d+(?:[.,]\d{1,2})?)/i)
+  if (symbolMatch) {
+    const currency = symbolMatch[1] === '$' ? 'USD' : 'GEL'
+    return Money.fromMajor(symbolMatch[2]!.replace(',', '.'), currency)
+  }
+
+  const suffixMatch = rawText.match(/(\d+(?:[.,]\d{1,2})?)\s*(usd|gel|лари|лар|ლარი|ლარ|₾|\$)\b/i)
+  if (suffixMatch) {
+    const rawCurrency = suffixMatch[2]!.toUpperCase()
+    const currency = rawCurrency === 'USD' || rawCurrency === '$' ? 'USD' : 'GEL'
+
+    return Money.fromMajor(suffixMatch[1]!.replace(',', '.'), currency)
+  }
+
+  const bareAmountMatch = rawText.match(/(?:^|[^\d])(\d+(?:[.,]\d{1,2})?)(?:\s|$)/)
+  if (!bareAmountMatch) {
+    return null
+  }
+
+  return Money.fromMajor(bareAmountMatch[1]!.replace(',', '.'), defaultCurrency)
+}
+
+export function parsePaymentConfirmationMessage(
+  rawText: string,
+  defaultCurrency: CurrencyCode
+): ParsedPaymentConfirmation {
+  const normalizedText = rawText.trim().replaceAll(/\s+/g, ' ')
+  const lowercase = normalizedText.toLowerCase()
+
+  if (normalizedText.length === 0) {
+    return {
+      normalizedText,
+      kind: null,
+      explicitAmount: null,
+      reviewReason: 'intent_missing'
+    }
+  }
+
+  if (hasMatch(multiMemberKeywords, lowercase)) {
+    return {
+      normalizedText,
+      kind: null,
+      explicitAmount: parseExplicitAmount(normalizedText, defaultCurrency),
+      reviewReason: 'multiple_members'
+    }
+  }
+
+  if (!hasMatch(paymentIntentKeywords, lowercase)) {
+    return {
+      normalizedText,
+      kind: null,
+      explicitAmount: parseExplicitAmount(normalizedText, defaultCurrency),
+      reviewReason: 'intent_missing'
+    }
+  }
+
+  const matchesRent = hasMatch(rentKeywords, lowercase)
+  const matchesUtilities = hasMatch(utilityKeywords, lowercase)
+  const explicitAmount = parseExplicitAmount(normalizedText, defaultCurrency)
+
+  if (matchesRent && matchesUtilities) {
+    return {
+      normalizedText,
+      kind: null,
+      explicitAmount,
+      reviewReason: 'kind_ambiguous'
+    }
+  }
+
+  if (matchesRent) {
+    return {
+      normalizedText,
+      kind: 'rent',
+      explicitAmount,
+      reviewReason: null
+    }
+  }
+
+  if (matchesUtilities) {
+    return {
+      normalizedText,
+      kind: 'utilities',
+      explicitAmount,
+      reviewReason: null
+    }
+  }
+
+  return {
+    normalizedText,
+    kind: null,
+    explicitAmount,
+    reviewReason: 'kind_ambiguous'
+  }
+}
--- a/packages/application/src/payment-confirmation-service.test.ts
+++ b/packages/application/src/payment-confirmation-service.test.ts
@@ -0,0 +1,258 @@
+import { describe, expect, test } from 'bun:test'
+
+import { Money, instantFromIso, type CurrencyCode } from '@household/domain'
+import type {
+  ExchangeRateProvider,
+  FinancePaymentConfirmationSaveInput,
+  FinancePaymentConfirmationSaveResult,
+  FinanceRepository,
+  HouseholdConfigurationRepository
+} from '@household/ports'
+
+import { createPaymentConfirmationService } from './payment-confirmation-service'
+
+const settingsRepository: Pick<HouseholdConfigurationRepository, 'getHouseholdBillingSettings'> = {
+  async getHouseholdBillingSettings(householdId) {
+    return {
+      householdId,
+      settlementCurrency: 'GEL',
+      rentAmountMinor: 70000n,
+      rentCurrency: 'USD',
+      rentDueDay: 20,
+      rentWarningDay: 17,
+      utilitiesDueDay: 4,
+      utilitiesReminderDay: 3,
+      timezone: 'Asia/Tbilisi'
+    }
+  }
+}
+
+const exchangeRateProvider: ExchangeRateProvider = {
+  async getRate(input) {
+    return {
+      baseCurrency: input.baseCurrency,
+      quoteCurrency: input.quoteCurrency,
+      rateMicros: input.baseCurrency === input.quoteCurrency ? 1_000_000n : 2_700_000n,
+      effectiveDate: input.effectiveDate,
+      source: 'nbg'
+    }
+  }
+}
+
+function createRepositoryStub(): Pick<
+  FinanceRepository,
+  | 'getOpenCycle'
+  | 'getLatestCycle'
+  | 'getCycleExchangeRate'
+  | 'saveCycleExchangeRate'
+  | 'savePaymentConfirmation'
+> & {
+  saved: FinancePaymentConfirmationSaveInput[]
+} {
+  return {
+    saved: [],
+    async getOpenCycle() {
+      return {
+        id: 'cycle-1',
+        period: '2026-03',
+        currency: 'GEL' as CurrencyCode
+      }
+    },
+    async getLatestCycle() {
+      return {
+        id: 'cycle-1',
+        period: '2026-03',
+        currency: 'GEL' as CurrencyCode
+      }
+    },
+    async getCycleExchangeRate() {
+      return null
+    },
+    async saveCycleExchangeRate(input) {
+      return input
+    },
+    async savePaymentConfirmation(input): Promise<FinancePaymentConfirmationSaveResult> {
+      this.saved.push(input)
+
+      if (input.status === 'needs_review') {
+        return {
+          status: 'needs_review',
+          reviewReason: input.reviewReason
+        }
+      }
+
+      return {
+        status: 'recorded',
+        paymentRecord: {
+          id: 'payment-1',
+          memberId: input.memberId,
+          kind: input.kind,
+          amountMinor: input.amountMinor,
+          currency: input.currency,
+          recordedAt: input.recordedAt
+        }
+      }
+    }
+  }
+}
+
+describe('createPaymentConfirmationService', () => {
+  test('resolves rent confirmations against the current member due', async () => {
+    const repository = createRepositoryStub()
+    const service = createPaymentConfirmationService({
+      householdId: 'household-1',
+      financeService: {
+        getMemberByTelegramUserId: async () => ({
+          id: 'member-1',
+          telegramUserId: '123',
+          displayName: 'Stas',
+          rentShareWeight: 1,
+          isAdmin: false
+        }),
+        generateDashboard: async () => ({
+          period: '2026-03',
+          currency: 'GEL',
+          totalDue: Money.fromMajor('1030', 'GEL'),
+          totalPaid: Money.zero('GEL'),
+          totalRemaining: Money.fromMajor('1030', 'GEL'),
+          rentSourceAmount: Money.fromMajor('700', 'USD'),
+          rentDisplayAmount: Money.fromMajor('1890', 'GEL'),
+          rentFxRateMicros: 2_700_000n,
+          rentFxEffectiveDate: '2026-03-17',
+          members: [
+            {
+              memberId: 'member-1',
+              displayName: 'Stas',
+              rentShare: Money.fromMajor('472.50', 'GEL'),
+              utilityShare: Money.fromMajor('40', 'GEL'),
+              purchaseOffset: Money.fromMajor('-12', 'GEL'),
+              netDue: Money.fromMajor('500.50', 'GEL'),
+              paid: Money.zero('GEL'),
+              remaining: Money.fromMajor('500.50', 'GEL'),
+              explanations: []
+            }
+          ],
+          ledger: []
+        })
+      },
+      repository,
+      householdConfigurationRepository: settingsRepository,
+      exchangeRateProvider
+    })
+
+    const result = await service.submit({
+      senderTelegramUserId: '123',
+      rawText: 'за жилье закинул',
+      telegramChatId: '-1001',
+      telegramMessageId: '10',
+      telegramThreadId: '4',
+      telegramUpdateId: '200',
+      attachmentCount: 0,
+      messageSentAt: instantFromIso('2026-03-20T09:00:00.000Z')
+    })
+
+    expect(result).toEqual({
+      status: 'recorded',
+      kind: 'rent',
+      amount: Money.fromMajor('472.50', 'GEL')
+    })
+    expect(repository.saved[0]?.status).toBe('recorded')
+  })
+
+  test('converts explicit rent amounts into cycle currency', async () => {
+    const repository = createRepositoryStub()
+    const service = createPaymentConfirmationService({
+      householdId: 'household-1',
+      financeService: {
+        getMemberByTelegramUserId: async () => ({
+          id: 'member-1',
+          telegramUserId: '123',
+          displayName: 'Stas',
+          rentShareWeight: 1,
+          isAdmin: false
+        }),
+        generateDashboard: async () => ({
+          period: '2026-03',
+          currency: 'GEL',
+          totalDue: Money.fromMajor('1030', 'GEL'),
+          totalPaid: Money.zero('GEL'),
+          totalRemaining: Money.fromMajor('1030', 'GEL'),
+          rentSourceAmount: Money.fromMajor('700', 'USD'),
+          rentDisplayAmount: Money.fromMajor('1890', 'GEL'),
+          rentFxRateMicros: 2_700_000n,
+          rentFxEffectiveDate: '2026-03-17',
+          members: [
+            {
+              memberId: 'member-1',
+              displayName: 'Stas',
+              rentShare: Money.fromMajor('472.50', 'GEL'),
+              utilityShare: Money.fromMajor('40', 'GEL'),
+              purchaseOffset: Money.fromMajor('-12', 'GEL'),
+              netDue: Money.fromMajor('500.50', 'GEL'),
+              paid: Money.zero('GEL'),
+              remaining: Money.fromMajor('500.50', 'GEL'),
+              explanations: []
+            }
+          ],
+          ledger: []
+        })
+      },
+      repository,
+      householdConfigurationRepository: settingsRepository,
+      exchangeRateProvider
+    })
+
+    const result = await service.submit({
+      senderTelegramUserId: '123',
+      rawText: 'paid rent $175',
+      telegramChatId: '-1001',
+      telegramMessageId: '11',
+      telegramThreadId: '4',
+      telegramUpdateId: '201',
+      attachmentCount: 0,
+      messageSentAt: instantFromIso('2026-03-20T09:00:00.000Z')
+    })
+
+    expect(result).toEqual({
+      status: 'recorded',
+      kind: 'rent',
+      amount: Money.fromMajor('472.50', 'GEL')
+    })
+  })
+
+  test('keeps ambiguous confirmations for review', async () => {
+    const repository = createRepositoryStub()
+    const service = createPaymentConfirmationService({
+      householdId: 'household-1',
+      financeService: {
+        getMemberByTelegramUserId: async () => ({
+          id: 'member-1',
+          telegramUserId: '123',
+          displayName: 'Stas',
+          rentShareWeight: 1,
+          isAdmin: false
+        }),
+        generateDashboard: async () => null
+      },
+      repository,
+      householdConfigurationRepository: settingsRepository,
+      exchangeRateProvider
+    })
+
+    const result = await service.submit({
+      senderTelegramUserId: '123',
+      rawText: 'готово',
+      telegramChatId: '-1001',
+      telegramMessageId: '12',
+      telegramThreadId: '4',
+      telegramUpdateId: '202',
+      attachmentCount: 1,
+      messageSentAt: instantFromIso('2026-03-20T09:00:00.000Z')
+    })
+
+    expect(result).toEqual({
+      status: 'needs_review',
+      reason: 'kind_ambiguous'
+    })
+  })
+})
--- a/packages/application/src/payment-confirmation-service.ts
+++ b/packages/application/src/payment-confirmation-service.ts
@@ -0,0 +1,368 @@
+import type {
+  ExchangeRateProvider,
+  FinancePaymentKind,
+  FinanceRepository,
+  HouseholdConfigurationRepository
+} from '@household/ports'
+import {
+  BillingPeriod,
+  Money,
+  Temporal,
+  convertMoney,
+  nowInstant,
+  type CurrencyCode
+} from '@household/domain'
+
+import type { FinanceCommandService } from './finance-command-service'
+import { parsePaymentConfirmationMessage } from './payment-confirmation-parser'
+
+function billingPeriodLockDate(period: BillingPeriod, day: number): Temporal.PlainDate {
+  const firstDay = Temporal.PlainDate.from({
+    year: period.year,
+    month: period.month,
+    day: 1
+  })
+  const clampedDay = Math.min(day, firstDay.daysInMonth)
+
+  return Temporal.PlainDate.from({
+    year: period.year,
+    month: period.month,
+    day: clampedDay
+  })
+}
+
+function localDateInTimezone(timezone: string): Temporal.PlainDate {
+  return nowInstant().toZonedDateTimeISO(timezone).toPlainDate()
+}
+
+async function convertIntoCycleCurrency(
+  dependencies: {
+    repository: Pick<FinanceRepository, 'getCycleExchangeRate' | 'saveCycleExchangeRate'>
+    exchangeRateProvider: ExchangeRateProvider
+    cycleId: string
+    cycleCurrency: CurrencyCode
+    period: BillingPeriod
+    timezone: string
+    lockDay: number
+  },
+  amount: Money
+): Promise<{
+  amount: Money
+  explicitAmountMinor: bigint
+  explicitCurrency: CurrencyCode
+}> {
+  if (amount.currency === dependencies.cycleCurrency) {
+    return {
+      amount,
+      explicitAmountMinor: amount.amountMinor,
+      explicitCurrency: amount.currency
+    }
+  }
+
+  const existingRate = await dependencies.repository.getCycleExchangeRate(
+    dependencies.cycleId,
+    amount.currency,
+    dependencies.cycleCurrency
+  )
+
+  if (existingRate) {
+    return {
+      amount: convertMoney(amount, dependencies.cycleCurrency, existingRate.rateMicros),
+      explicitAmountMinor: amount.amountMinor,
+      explicitCurrency: amount.currency
+    }
+  }
+
+  const lockDate = billingPeriodLockDate(dependencies.period, dependencies.lockDay)
+  const currentLocalDate = localDateInTimezone(dependencies.timezone)
+  const shouldPersist = Temporal.PlainDate.compare(currentLocalDate, lockDate) >= 0
+  const quote = await dependencies.exchangeRateProvider.getRate({
+    baseCurrency: amount.currency,
+    quoteCurrency: dependencies.cycleCurrency,
+    effectiveDate: lockDate.toString()
+  })
+
+  if (shouldPersist) {
+    await dependencies.repository.saveCycleExchangeRate({
+      cycleId: dependencies.cycleId,
+      sourceCurrency: quote.baseCurrency,
+      targetCurrency: quote.quoteCurrency,
+      rateMicros: quote.rateMicros,
+      effectiveDate: quote.effectiveDate,
+      source: quote.source
+    })
+  }
+
+  return {
+    amount: convertMoney(amount, dependencies.cycleCurrency, quote.rateMicros),
+    explicitAmountMinor: amount.amountMinor,
+    explicitCurrency: amount.currency
+  }
+}
+
+export interface PaymentConfirmationMessageInput {
+  senderTelegramUserId: string
+  rawText: string
+  telegramChatId: string
+  telegramMessageId: string
+  telegramThreadId: string
+  telegramUpdateId: string
+  attachmentCount: number
+  messageSentAt: Temporal.Instant | null
+}
+
+export type PaymentConfirmationSubmitResult =
+  | {
+      status: 'duplicate'
+    }
+  | {
+      status: 'recorded'
+      kind: FinancePaymentKind
+      amount: Money
+    }
+  | {
+      status: 'needs_review'
+      reason:
+        | 'member_not_found'
+        | 'cycle_not_found'
+        | 'settlement_not_ready'
+        | 'intent_missing'
+        | 'kind_ambiguous'
+        | 'multiple_members'
+        | 'non_positive_amount'
+    }
+
+export interface PaymentConfirmationService {
+  submit(input: PaymentConfirmationMessageInput): Promise<PaymentConfirmationSubmitResult>
+}
+
+export function createPaymentConfirmationService(input: {
+  householdId: string
+  financeService: Pick<FinanceCommandService, 'getMemberByTelegramUserId' | 'generateDashboard'>
+  repository: Pick<
+    FinanceRepository,
+    | 'getOpenCycle'
+    | 'getLatestCycle'
+    | 'getCycleExchangeRate'
+    | 'saveCycleExchangeRate'
+    | 'savePaymentConfirmation'
+  >
+  householdConfigurationRepository: Pick<
+    HouseholdConfigurationRepository,
+    'getHouseholdBillingSettings'
+  >
+  exchangeRateProvider: ExchangeRateProvider
+}): PaymentConfirmationService {
+  return {
+    async submit(message) {
+      const member = await input.financeService.getMemberByTelegramUserId(
+        message.senderTelegramUserId
+      )
+      if (!member) {
+        const saveResult = await input.repository.savePaymentConfirmation({
+          ...message,
+          normalizedText: message.rawText.trim().replaceAll(/\s+/g, ' '),
+          status: 'needs_review',
+          cycleId: null,
+          memberId: null,
+          kind: null,
+          amountMinor: null,
+          currency: null,
+          explicitAmountMinor: null,
+          explicitCurrency: null,
+          reviewReason: 'member_not_found'
+        })
+
+        return saveResult.status === 'duplicate'
+          ? saveResult
+          : {
+              status: 'needs_review',
+              reason: 'member_not_found'
+            }
+      }
+
+      const [cycle, settings] = await Promise.all([
+        input.repository
+          .getOpenCycle()
+          .then((openCycle) => openCycle ?? input.repository.getLatestCycle()),
+        input.householdConfigurationRepository.getHouseholdBillingSettings(input.householdId)
+      ])
+
+      if (!cycle) {
+        const saveResult = await input.repository.savePaymentConfirmation({
+          ...message,
+          normalizedText: message.rawText.trim().replaceAll(/\s+/g, ' '),
+          status: 'needs_review',
+          cycleId: null,
+          memberId: member.id,
+          kind: null,
+          amountMinor: null,
+          currency: null,
+          explicitAmountMinor: null,
+          explicitCurrency: null,
+          reviewReason: 'cycle_not_found'
+        })
+
+        return saveResult.status === 'duplicate'
+          ? saveResult
+          : {
+              status: 'needs_review',
+              reason: 'cycle_not_found'
+            }
+      }
+
+      const parsed = parsePaymentConfirmationMessage(message.rawText, settings.settlementCurrency)
+
+      if (!parsed.kind || parsed.reviewReason) {
+        const saveResult = await input.repository.savePaymentConfirmation({
+          ...message,
+          normalizedText: parsed.normalizedText,
+          status: 'needs_review',
+          cycleId: cycle.id,
+          memberId: member.id,
+          kind: parsed.kind,
+          amountMinor: null,
+          currency: null,
+          explicitAmountMinor: parsed.explicitAmount?.amountMinor ?? null,
+          explicitCurrency: parsed.explicitAmount?.currency ?? null,
+          reviewReason: parsed.reviewReason ?? 'kind_ambiguous'
+        })
+
+        return saveResult.status === 'duplicate'
+          ? saveResult
+          : {
+              status: 'needs_review',
+              reason: parsed.reviewReason ?? 'kind_ambiguous'
+            }
+      }
+
+      const dashboard = await input.financeService.generateDashboard(cycle.period)
+      if (!dashboard) {
+        const saveResult = await input.repository.savePaymentConfirmation({
+          ...message,
+          normalizedText: parsed.normalizedText,
+          status: 'needs_review',
+          cycleId: cycle.id,
+          memberId: member.id,
+          kind: parsed.kind,
+          amountMinor: null,
+          currency: null,
+          explicitAmountMinor: parsed.explicitAmount?.amountMinor ?? null,
+          explicitCurrency: parsed.explicitAmount?.currency ?? null,
+          reviewReason: 'settlement_not_ready'
+        })
+
+        return saveResult.status === 'duplicate'
+          ? saveResult
+          : {
+              status: 'needs_review',
+              reason: 'settlement_not_ready'
+            }
+      }
+
+      const memberLine = dashboard.members.find((line) => line.memberId === member.id)
+      if (!memberLine) {
+        const saveResult = await input.repository.savePaymentConfirmation({
+          ...message,
+          normalizedText: parsed.normalizedText,
+          status: 'needs_review',
+          cycleId: cycle.id,
+          memberId: member.id,
+          kind: parsed.kind,
+          amountMinor: null,
+          currency: null,
+          explicitAmountMinor: parsed.explicitAmount?.amountMinor ?? null,
+          explicitCurrency: parsed.explicitAmount?.currency ?? null,
+          reviewReason: 'settlement_not_ready'
+        })
+
+        return saveResult.status === 'duplicate'
+          ? saveResult
+          : {
+              status: 'needs_review',
+              reason: 'settlement_not_ready'
+            }
+      }
+
+      const inferredAmount =
+        parsed.kind === 'rent'
+          ? memberLine.rentShare
+          : memberLine.utilityShare.add(memberLine.purchaseOffset)
+
+      const resolvedAmount = parsed.explicitAmount
+        ? (
+            await convertIntoCycleCurrency(
+              {
+                repository: input.repository,
+                exchangeRateProvider: input.exchangeRateProvider,
+                cycleId: cycle.id,
+                cycleCurrency: dashboard.currency,
+                period: BillingPeriod.fromString(cycle.period),
+                timezone: settings.timezone,
+                lockDay:
+                  parsed.kind === 'rent' ? settings.rentWarningDay : settings.utilitiesReminderDay
+              },
+              parsed.explicitAmount
+            )
+          ).amount
+        : inferredAmount
+
+      if (resolvedAmount.amountMinor <= 0n) {
+        const saveResult = await input.repository.savePaymentConfirmation({
+          ...message,
+          normalizedText: parsed.normalizedText,
+          status: 'needs_review',
+          cycleId: cycle.id,
+          memberId: member.id,
+          kind: parsed.kind,
+          amountMinor: null,
+          currency: null,
+          explicitAmountMinor: parsed.explicitAmount?.amountMinor ?? null,
+          explicitCurrency: parsed.explicitAmount?.currency ?? null,
+          reviewReason: 'non_positive_amount'
+        })
+
+        return saveResult.status === 'duplicate'
+          ? saveResult
+          : {
+              status: 'needs_review',
+              reason: 'non_positive_amount'
+            }
+      }
+
+      const saveResult = await input.repository.savePaymentConfirmation({
+        ...message,
+        normalizedText: parsed.normalizedText,
+        status: 'recorded',
+        cycleId: cycle.id,
+        memberId: member.id,
+        kind: parsed.kind,
+        amountMinor: resolvedAmount.amountMinor,
+        currency: resolvedAmount.currency,
+        explicitAmountMinor: parsed.explicitAmount?.amountMinor ?? null,
+        explicitCurrency: parsed.explicitAmount?.currency ?? null,
+        recordedAt: message.messageSentAt ?? nowInstant()
+      })
+
+      if (saveResult.status === 'duplicate') {
+        return saveResult
+      }
+
+      if (saveResult.status === 'needs_review') {
+        return {
+          status: 'needs_review',
+          reason: saveResult.reviewReason
+        }
+      }
+
+      return {
+        status: 'recorded',
+        kind: saveResult.paymentRecord.kind,
+        amount: Money.fromMinor(
+          saveResult.paymentRecord.amountMinor,
+          saveResult.paymentRecord.currency
+        )
+      }
+    }
+  }
+}
--- a/packages/db/drizzle-checksums.json
+++ b/packages/db/drizzle-checksums.json
@@ -13,6 +13,7 @@
    "0009_quiet_wallflower.sql": "c5bcb6a01b6f22a9e64866ac0d11468105aad8b2afb248296370f15b462e3087",
    "0010_wild_molecule_man.sql": "46027a6ac770cdc2efd4c3eb5bb53f09d1b852c70fdc46a2434e5a7064587245",
    "0011_previous_ezekiel_stane.sql": "d996e64d3854de22e36dedeaa94e46774399163d90263bbb05e0b9199af79b70",
-    "0012_clumsy_maestro.sql": "173797fb435c6acd7c268c624942d6f19a887c329bcef409a3dde1249baaeb8a"
+    "0012_clumsy_maestro.sql": "173797fb435c6acd7c268c624942d6f19a887c329bcef409a3dde1249baaeb8a",
+    "0013_wild_avengers.sql": "76254db09c9d623134712aee57a5896aa4a5b416e45d0f6c69dec1fec5b32af4"
  }
 }
--- a/packages/db/drizzle/0013_wild_avengers.sql
+++ b/packages/db/drizzle/0013_wild_avengers.sql
@@ -0,0 +1,51 @@
+CREATE TABLE "payment_confirmations" (
+	"id" uuid PRIMARY KEY DEFAULT gen_random_uuid() NOT NULL,
+	"household_id" uuid NOT NULL,
+	"cycle_id" uuid,
+	"member_id" uuid,
+	"sender_telegram_user_id" text NOT NULL,
+	"raw_text" text NOT NULL,
+	"normalized_text" text NOT NULL,
+	"detected_kind" text,
+	"explicit_amount_minor" bigint,
+	"explicit_currency" text,
+	"resolved_amount_minor" bigint,
+	"resolved_currency" text,
+	"status" text NOT NULL,
+	"review_reason" text,
+	"attachment_count" integer DEFAULT 0 NOT NULL,
+	"telegram_chat_id" text NOT NULL,
+	"telegram_message_id" text NOT NULL,
+	"telegram_thread_id" text NOT NULL,
+	"telegram_update_id" text NOT NULL,
+	"message_sent_at" timestamp with time zone,
+	"created_at" timestamp with time zone DEFAULT now() NOT NULL
+);
+--> statement-breakpoint
+CREATE TABLE "payment_records" (
+	"id" uuid PRIMARY KEY DEFAULT gen_random_uuid() NOT NULL,
+	"household_id" uuid NOT NULL,
+	"cycle_id" uuid NOT NULL,
+	"member_id" uuid NOT NULL,
+	"kind" text NOT NULL,
+	"amount_minor" bigint NOT NULL,
+	"currency" text NOT NULL,
+	"confirmation_id" uuid,
+	"recorded_at" timestamp with time zone NOT NULL,
+	"created_at" timestamp with time zone DEFAULT now() NOT NULL
+);
+--> statement-breakpoint
+ALTER TABLE "payment_confirmations" ADD CONSTRAINT "payment_confirmations_household_id_households_id_fk" FOREIGN KEY ("household_id") REFERENCES "public"."households"("id") ON DELETE cascade ON UPDATE no action;--> statement-breakpoint
+ALTER TABLE "payment_confirmations" ADD CONSTRAINT "payment_confirmations_cycle_id_billing_cycles_id_fk" FOREIGN KEY ("cycle_id") REFERENCES "public"."billing_cycles"("id") ON DELETE set null ON UPDATE no action;--> statement-breakpoint
+ALTER TABLE "payment_confirmations" ADD CONSTRAINT "payment_confirmations_member_id_members_id_fk" FOREIGN KEY ("member_id") REFERENCES "public"."members"("id") ON DELETE set null ON UPDATE no action;--> statement-breakpoint
+ALTER TABLE "payment_records" ADD CONSTRAINT "payment_records_household_id_households_id_fk" FOREIGN KEY ("household_id") REFERENCES "public"."households"("id") ON DELETE cascade ON UPDATE no action;--> statement-breakpoint
+ALTER TABLE "payment_records" ADD CONSTRAINT "payment_records_cycle_id_billing_cycles_id_fk" FOREIGN KEY ("cycle_id") REFERENCES "public"."billing_cycles"("id") ON DELETE cascade ON UPDATE no action;--> statement-breakpoint
+ALTER TABLE "payment_records" ADD CONSTRAINT "payment_records_member_id_members_id_fk" FOREIGN KEY ("member_id") REFERENCES "public"."members"("id") ON DELETE restrict ON UPDATE no action;--> statement-breakpoint
+ALTER TABLE "payment_records" ADD CONSTRAINT "payment_records_confirmation_id_payment_confirmations_id_fk" FOREIGN KEY ("confirmation_id") REFERENCES "public"."payment_confirmations"("id") ON DELETE set null ON UPDATE no action;--> statement-breakpoint
+CREATE UNIQUE INDEX "payment_confirmations_household_tg_message_unique" ON "payment_confirmations" USING btree ("household_id","telegram_chat_id","telegram_message_id");--> statement-breakpoint
+CREATE UNIQUE INDEX "payment_confirmations_household_tg_update_unique" ON "payment_confirmations" USING btree ("household_id","telegram_update_id");--> statement-breakpoint
+CREATE INDEX "payment_confirmations_household_status_idx" ON "payment_confirmations" USING btree ("household_id","status");--> statement-breakpoint
+CREATE INDEX "payment_confirmations_member_created_idx" ON "payment_confirmations" USING btree ("member_id","created_at");--> statement-breakpoint
+CREATE INDEX "payment_records_cycle_member_idx" ON "payment_records" USING btree ("cycle_id","member_id");--> statement-breakpoint
+CREATE INDEX "payment_records_cycle_kind_idx" ON "payment_records" USING btree ("cycle_id","kind");--> statement-breakpoint
+CREATE UNIQUE INDEX "payment_records_confirmation_unique" ON "payment_records" USING btree ("confirmation_id");
--- a/packages/db/drizzle/meta/0013_snapshot.json
+++ b/packages/db/drizzle/meta/0013_snapshot.json
--- a/packages/db/drizzle/meta/_journal.json
+++ b/packages/db/drizzle/meta/_journal.json
@@ -92,6 +92,13 @@
      "when": 1773146577992,
      "tag": "0012_clumsy_maestro",
      "breakpoints": true
+    },
+    {
+      "idx": 13,
+      "version": "7",
+      "when": 1773147481265,
+      "tag": "0013_wild_avengers",
+      "breakpoints": true
    }
  ]
 }
--- a/packages/db/src/schema.ts
+++ b/packages/db/src/schema.ts
@@ -481,6 +481,83 @@ export const anonymousMessages = pgTable(
  })
 )

+export const paymentConfirmations = pgTable(
+  'payment_confirmations',
+  {
+    id: uuid('id').defaultRandom().primaryKey(),
+    householdId: uuid('household_id')
+      .notNull()
+      .references(() => households.id, { onDelete: 'cascade' }),
+    cycleId: uuid('cycle_id').references(() => billingCycles.id, { onDelete: 'set null' }),
+    memberId: uuid('member_id').references(() => members.id, { onDelete: 'set null' }),
+    senderTelegramUserId: text('sender_telegram_user_id').notNull(),
+    rawText: text('raw_text').notNull(),
+    normalizedText: text('normalized_text').notNull(),
+    detectedKind: text('detected_kind'),
+    explicitAmountMinor: bigint('explicit_amount_minor', { mode: 'bigint' }),
+    explicitCurrency: text('explicit_currency'),
+    resolvedAmountMinor: bigint('resolved_amount_minor', { mode: 'bigint' }),
+    resolvedCurrency: text('resolved_currency'),
+    status: text('status').notNull(),
+    reviewReason: text('review_reason'),
+    attachmentCount: integer('attachment_count').default(0).notNull(),
+    telegramChatId: text('telegram_chat_id').notNull(),
+    telegramMessageId: text('telegram_message_id').notNull(),
+    telegramThreadId: text('telegram_thread_id').notNull(),
+    telegramUpdateId: text('telegram_update_id').notNull(),
+    messageSentAt: timestamp('message_sent_at', { withTimezone: true }),
+    createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull()
+  },
+  (table) => ({
+    householdMessageUnique: uniqueIndex('payment_confirmations_household_tg_message_unique').on(
+      table.householdId,
+      table.telegramChatId,
+      table.telegramMessageId
+    ),
+    householdUpdateUnique: uniqueIndex('payment_confirmations_household_tg_update_unique').on(
+      table.householdId,
+      table.telegramUpdateId
+    ),
+    householdStatusIdx: index('payment_confirmations_household_status_idx').on(
+      table.householdId,
+      table.status
+    ),
+    memberCreatedIdx: index('payment_confirmations_member_created_idx').on(
+      table.memberId,
+      table.createdAt
+    )
+  })
+)
+
+export const paymentRecords = pgTable(
+  'payment_records',
+  {
+    id: uuid('id').defaultRandom().primaryKey(),
+    householdId: uuid('household_id')
+      .notNull()
+      .references(() => households.id, { onDelete: 'cascade' }),
+    cycleId: uuid('cycle_id')
+      .notNull()
+      .references(() => billingCycles.id, { onDelete: 'cascade' }),
+    memberId: uuid('member_id')
+      .notNull()
+      .references(() => members.id, { onDelete: 'restrict' }),
+    kind: text('kind').notNull(),
+    amountMinor: bigint('amount_minor', { mode: 'bigint' }).notNull(),
+    currency: text('currency').notNull(),
+    confirmationId: uuid('confirmation_id').references(() => paymentConfirmations.id, {
+      onDelete: 'set null'
+    }),
+    recordedAt: timestamp('recorded_at', { withTimezone: true }).notNull(),
+    createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull()
+  },
+  (table) => ({
+    cycleMemberIdx: index('payment_records_cycle_member_idx').on(table.cycleId, table.memberId),
+    cycleKindIdx: index('payment_records_cycle_kind_idx').on(table.cycleId, table.kind),
+    confirmationUnique: uniqueIndex('payment_records_confirmation_unique').on(table.confirmationId)
+  })
+)
+
 export const settlements = pgTable(
  'settlements',
  {
@@ -548,4 +625,6 @@ export type UtilityBill = typeof utilityBills.$inferSelect
 export type PurchaseEntry = typeof purchaseEntries.$inferSelect
 export type PurchaseMessage = typeof purchaseMessages.$inferSelect
 export type AnonymousMessage = typeof anonymousMessages.$inferSelect
+export type PaymentConfirmation = typeof paymentConfirmations.$inferSelect
+export type PaymentRecord = typeof paymentRecords.$inferSelect
 export type Settlement = typeof settlements.$inferSelect
--- a/packages/ports/src/finance.ts
+++ b/packages/ports/src/finance.ts
@@ -46,6 +46,83 @@ export interface FinanceUtilityBillRecord {
  createdAt: Instant
 }

+export type FinancePaymentKind = 'rent' | 'utilities'
+
+export interface FinancePaymentRecord {
+  id: string
+  memberId: string
+  kind: FinancePaymentKind
+  amountMinor: bigint
+  currency: CurrencyCode
+  recordedAt: Instant
+}
+
+export interface FinanceSettlementSnapshotLineRecord {
+  memberId: string
+  rentShareMinor: bigint
+  utilityShareMinor: bigint
+  purchaseOffsetMinor: bigint
+  netDueMinor: bigint
+}
+
+export interface FinancePaymentConfirmationMessage {
+  senderTelegramUserId: string
+  rawText: string
+  normalizedText: string
+  telegramChatId: string
+  telegramMessageId: string
+  telegramThreadId: string
+  telegramUpdateId: string
+  attachmentCount: number
+  messageSentAt: Instant | null
+}
+
+export type FinancePaymentConfirmationReviewReason =
+  | 'member_not_found'
+  | 'cycle_not_found'
+  | 'settlement_not_ready'
+  | 'intent_missing'
+  | 'kind_ambiguous'
+  | 'multiple_members'
+  | 'non_positive_amount'
+
+export type FinancePaymentConfirmationSaveInput =
+  | (FinancePaymentConfirmationMessage & {
+      status: 'recorded'
+      cycleId: string
+      memberId: string
+      kind: FinancePaymentKind
+      amountMinor: bigint
+      currency: CurrencyCode
+      explicitAmountMinor: bigint | null
+      explicitCurrency: CurrencyCode | null
+      recordedAt: Instant
+    })
+  | (FinancePaymentConfirmationMessage & {
+      status: 'needs_review'
+      cycleId: string | null
+      memberId: string | null
+      kind: FinancePaymentKind | null
+      amountMinor: bigint | null
+      currency: CurrencyCode | null
+      explicitAmountMinor: bigint | null
+      explicitCurrency: CurrencyCode | null
+      reviewReason: FinancePaymentConfirmationReviewReason
+    })
+
+export type FinancePaymentConfirmationSaveResult =
+  | {
+      status: 'duplicate'
+    }
+  | {
+      status: 'recorded'
+      paymentRecord: FinancePaymentRecord
+    }
+  | {
+      status: 'needs_review'
+      reviewReason: FinancePaymentConfirmationReviewReason
+    }
+
 export interface SettlementSnapshotLineRecord {
  memberId: string
  rentShareMinor: bigint
@@ -91,9 +168,16 @@ export interface FinanceRepository {
  getRentRuleForPeriod(period: string): Promise<FinanceRentRuleRecord | null>
  getUtilityTotalForCycle(cycleId: string): Promise<bigint>
  listUtilityBillsForCycle(cycleId: string): Promise<readonly FinanceUtilityBillRecord[]>
+  listPaymentRecordsForCycle(cycleId: string): Promise<readonly FinancePaymentRecord[]>
  listParsedPurchasesForRange(
    start: Instant,
    end: Instant
  ): Promise<readonly FinanceParsedPurchaseRecord[]>
+  getSettlementSnapshotLines(
+    cycleId: string
+  ): Promise<readonly FinanceSettlementSnapshotLineRecord[]>
+  savePaymentConfirmation(
+    input: FinancePaymentConfirmationSaveInput
+  ): Promise<FinancePaymentConfirmationSaveResult>
  replaceSettlementSnapshot(snapshot: SettlementSnapshotRecord): Promise<void>
 }
--- a/packages/ports/src/household-config.ts
+++ b/packages/ports/src/household-config.ts
@@ -1,7 +1,7 @@
 import type { CurrencyCode, SupportedLocale } from '@household/domain'
 import type { ReminderTarget } from './reminders'

-export const HOUSEHOLD_TOPIC_ROLES = ['purchase', 'feedback', 'reminders'] as const
+export const HOUSEHOLD_TOPIC_ROLES = ['purchase', 'feedback', 'reminders', 'payments'] as const

 export type HouseholdTopicRole = (typeof HOUSEHOLD_TOPIC_ROLES)[number]

--- a/packages/ports/src/index.ts
+++ b/packages/ports/src/index.ts
@@ -31,6 +31,12 @@ export type {
 export type {
  FinanceCycleRecord,
  FinanceCycleExchangeRateRecord,
+  FinancePaymentConfirmationReviewReason,
+  FinancePaymentConfirmationSaveInput,
+  FinancePaymentConfirmationSaveResult,
+  FinancePaymentKind,
+  FinancePaymentRecord,
+  FinanceSettlementSnapshotLineRecord,
  FinanceMemberRecord,
  FinanceParsedPurchaseRecord,
  FinanceRentRuleRecord,