feat: add quick payment action and improve copy button UX

Mini App Home Screen: - Add 'Record Payment' button to utilities and rent period cards - Pre-fill payment amount with member's share (rentShare/utilityShare) - Modal dialog with amount input and currency display - Toast notifications for copy and payment success/failure feedback Copy Button Improvements: - Increase spacing between icon and text (4px → 8px) - Add hover background and padding for better touch target - Green background highlight when copied (in addition to icon color change) - Toast notification appears when copying any value Backend: - Add /api/miniapp/payments/add endpoint for quick payments - Payment notifications sent to 'reminders' topic in Telegram - Include member name, payment type, amount, and period in notification Files: - New: apps/miniapp/src/components/ui/toast.tsx - Modified: apps/miniapp/src/routes/home.tsx, apps/miniapp/src/index.css, apps/miniapp/src/theme.css, apps/miniapp/src/i18n.ts, apps/bot/src/miniapp-billing.ts, apps/bot/src/server.ts Quality Gates: ✅ format, lint, typecheck, build, test Co-authored-by: Qwen-Coder <qwen-coder@alibabacloud.com>
2026-03-31 00:19:38 +00:00 · 2026-03-14 08:51:53 +04:00
parent 771d64aa4e
commit 488a488137
45 changed files with 2236 additions and 101 deletions
--- a/.trae/documents/plan-home-no-payment-and-qa-overrides.md
+++ b/.trae/documents/plan-home-no-payment-and-qa-overrides.md
@@ -0,0 +1,60 @@
+# Plan: Fix Home “No Payment” + Add QA Period Overrides
+
+## Goals
+
+- Remove the “Due” chip from the **No payment period** card.
+- In **No payment period**, don’t show rent/utilities balances; show only purchase-related balance and household info (FX if available).
+- Fix “Upcoming” dates so they never show negative days (e.g., “-11d left”); if the reminder/warning already passed in the current period, show the next period’s start date instead.
+- Add **period/date overrides** to the hidden QA “Testing view” so you can reliably test all Home variants.
+
+## Changes
+
+### 1) Home: remove “Due” chip from No-payment card
+
+- In [home.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/routes/home.tsx), stop rendering the `focusBadge()` inside the `mode() === 'none'` card.
+- Keep the existing Due/Settled chip behavior for utilities/rent modes unchanged.
+
+### 2) Home: No-payment mode shows purchases-only balance
+
+- In [home.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/routes/home.tsx):
+  - When `homeMode() === 'none'`, hide the current “Your balance” card (which includes rent + utilities).
+  - Replace it with a purchases-focused card that shows:
+    - Member purchase offset (from `currentMemberLine().purchaseOffsetMajor`) as the primary amount.
+    - Household purchase totals (count + sum) computed from the existing dashboard ledger entries where `kind === 'purchase'`.
+    - Household member count (from dashboard member lines length).
+  - Keep household informational cards that are not “due/balance for rent/utilities” (e.g., the FX card if present/available).
+
+### 3) Home: Upcoming utilities/rent start date never goes negative
+
+- Update upcoming calculations in No-payment mode:
+  - If `daysUntilPeriodDay(period, reminderDay, timezone)` is `>= 0`, show as-is.
+  - If it is `< 0`, compute the next period (`BillingPeriod.fromString(period).next().toString()`) and compute:
+    - `formatPeriodDay(nextPeriod, reminderDay, locale)`
+    - `daysUntilPeriodDay(nextPeriod, reminderDay, timezone)`
+  - Apply the same logic for rent warning day and utilities reminder day.
+- This ensures “Utilities starts …” always points to a future date and shows a non-negative countdown.
+
+### 4) QA Testing View: add period/date overrides
+
+- Extend the existing hidden “Testing view” (opened by 5 taps on the role badge) in:
+  - [shell.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/components/layout/shell.tsx)
+  - [dashboard-context.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/contexts/dashboard-context.tsx)
+- Add two optional overrides stored in `DashboardContext`:
+  - `testingPeriodOverride?: string | null` (format `YYYY-MM`)
+  - `testingTodayOverride?: string | null` (format `YYYY-MM-DD`)
+- Home uses `effectivePeriod = testingPeriodOverride ?? dashboard.period`.
+- Date helpers used by Home (`daysUntilPeriodDay`, `compareTodayToPeriodDay`) accept an optional “today override” so Home can behave as if it’s a different day without changing system time.
+
+### 5) Copy updates
+
+- Add/adjust i18n strings needed for the purchases-only card and QA fields in:
+  - [i18n.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/i18n.ts)
+
+## Verification
+
+- Run: `bun run format:check`, `bun run lint`, `bun run typecheck`, `bun run test`, `bun run build`
+- Manual checks in miniapp:
+  - Set QA overrides to land inside utilities window / rent window / no-payment window and confirm Home variant changes.
+  - Confirm no-payment “Upcoming” countdown never shows negative values.
+  - Confirm no-payment mode hides rent/utilities balance and no longer shows “Due” chip on that card.
+  - Confirm no-payment mode shows purchase offset + household purchase stats + member count.
--- a/.trae/documents/plan-miniapp-home-periods-and-rent-credentials.md
+++ b/.trae/documents/plan-miniapp-home-periods-and-rent-credentials.md
@@ -0,0 +1,195 @@
+# Plan: Miniapp Home “Current Period” + Rent Credentials
+
+## Summary
+
+Implement a “current payment period” focused Home screen with three modes:
+
+- **Utilities period** (between utilities reminder day and utilities due day, inclusive)
+- **Rent period** (between rent warning day and rent due day, inclusive)
+- **No payment period** (everything else)
+
+Add **rent payment credentials** (one-or-more destinations) to the backend + database, editable by admins and visible to all members. Also add a **resident-accessible utility bill submission** flow surfaced on Home during the utilities window when no utility bills are recorded yet.
+
+## Current State Analysis (repo-grounded)
+
+### Miniapp UI and data flow
+
+- Home route today is a single view rendering “Your balance”, optional rent FX, and latest activity, driven by `MiniAppDashboard` from `DashboardContext`.
+  - [home.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/routes/home.tsx#L1-L178)
+  - [dashboard-context.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/contexts/dashboard-context.tsx#L240-L366)
+- `MiniAppDashboard` already carries `period`, `timezone`, `rentDueDay`, `utilitiesDueDay`, and `paymentBalanceAdjustmentPolicy`, but **does not include** `rentWarningDay` / `utilitiesReminderDay` or any payment destinations.
+  - [miniapp-api.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/miniapp-api.ts#L95-L143)
+- Date helpers exist to compare “today in timezone” against a day inside a given `period` and to compute days remaining.
+  - [dates.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/lib/dates.ts#L105-L172)
+
+### Backend / domain
+
+- Miniapp dashboard API maps `FinanceCommandService.generateDashboard()` into `MiniAppDashboard`.
+  - [miniapp-dashboard.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/bot/src/miniapp-dashboard.ts#L12-L150)
+- `FinanceDashboard` is built from billing settings + cycle state; it uses `rentWarningDay` and `utilitiesReminderDay` internally for FX lock dates, but it currently only exposes `rentDueDay` and `utilitiesDueDay` to the miniapp.
+  - [finance-command-service.ts](file:///Users/whekin/Projects/kojori-tg-bot/packages/application/src/finance-command-service.ts#L287-L599)
+- Billing settings are persisted in Postgres via Drizzle table `household_billing_settings` (already includes rent/utilities due and reminder/warning days + timezone).
+  - [schema.ts](file:///Users/whekin/Projects/kojori-tg-bot/packages/db/src/schema.ts#L24-L50)
+  - Repository accessors: [household-config-repository.ts](file:///Users/whekin/Projects/kojori-tg-bot/packages/adapters-db/src/household-config-repository.ts#L944-L1066)
+- Utility bills are currently **admin-only** in the miniapp (`/api/miniapp/admin/utility-bills/add`) and the UI hides add/edit behind `effectiveIsAdmin()`.
+  - UI: [ledger.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/routes/ledger.tsx#L617-L652)
+  - API handler: [miniapp-billing.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/bot/src/miniapp-billing.ts#L721-L790)
+
+## Proposed Changes (decision-complete)
+
+### 1) Add rent payment destinations to DB + ports
+
+**Decision:** store rent credentials as a JSON array on `household_billing_settings` to support multiple destinations without introducing a new table (pre-1.0 simplicity + cohesion with billing config).
+
+- Add a new `jsonb` column on `household_billing_settings`:
+  - `rent_payment_destinations` (nullable, default `null`)
+- Add a strongly-typed record shape in ports:
+  - `HouseholdRentPaymentDestination`:
+    - `label: string` (e.g., “TBC card”, “Bank transfer”)
+    - `recipientName: string | null`
+    - `bankName: string | null`
+    - `account: string` (account number / card number / IBAN; stored as plain text)
+    - `note: string | null`
+    - `link: string | null` (optional URL/deeplink)
+  - Add `rentPaymentDestinations?: readonly HouseholdRentPaymentDestination[] | null` to `HouseholdBillingSettingsRecord` and the `updateHouseholdBillingSettings` input.
+
+Files:
+
+- DB schema + migration:
+  - [schema.ts](file:///Users/whekin/Projects/kojori-tg-bot/packages/db/src/schema.ts)
+  - `packages/db/drizzle/00xx_*.sql` (new migration)
+- Ports:
+  - [household-config.ts](file:///Users/whekin/Projects/kojori-tg-bot/packages/ports/src/household-config.ts)
+- DB adapter mapping:
+  - [household-config-repository.ts](file:///Users/whekin/Projects/kojori-tg-bot/packages/adapters-db/src/household-config-repository.ts#L944-L1066)
+
+### 2) Expose needed fields to the miniapp dashboard contract
+
+**Goal:** let the miniapp compute “current period” locally and render period-specific UI consistently.
+
+- Extend `FinanceDashboard` to include:
+  - `rentWarningDay`
+  - `utilitiesReminderDay`
+  - `rentPaymentDestinations`
+- Return these from `buildFinanceDashboard(...)` using the persisted billing settings.
+- Extend bot miniapp dashboard handler serialization:
+  - Include those fields in the `dashboard` JSON payload.
+- Extend miniapp client types:
+  - `MiniAppDashboard` adds `rentWarningDay`, `utilitiesReminderDay`, and `rentPaymentDestinations`.
+- Update demo fixtures so the miniapp still renders in demo mode.
+
+Files:
+
+- Application:
+  - [finance-command-service.ts](file:///Users/whekin/Projects/kojori-tg-bot/packages/application/src/finance-command-service.ts)
+- Bot:
+  - [miniapp-dashboard.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/bot/src/miniapp-dashboard.ts)
+- Miniapp API types + demo:
+  - [miniapp-api.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/miniapp-api.ts)
+  - [miniapp-demo.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/demo/miniapp-demo.ts)
+
+### 3) Add admin editing UI for rent payment destinations
+
+**Decision:** rent credentials are visible to everyone, but **only admins can edit** (implemented in Settings screen next to other billing settings).
+
+- Extend the Settings “Billing settings” modal form state to include a list editor:
+  - Add destination
+  - Remove destination
+  - Edit fields (label, recipient, bank, account, note, link)
+- Extend `updateMiniAppBillingSettings(...)` request/response types to carry the new field.
+- Extend backend handler that parses settings update payload and calls `updateHouseholdBillingSettings`.
+
+Files:
+
+- Miniapp:
+  - [settings.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/routes/settings.tsx)
+  - [miniapp-api.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/miniapp-api.ts) (`MiniAppBillingSettings` + `updateMiniAppBillingSettings`)
+  - [i18n.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/i18n.ts) (new strings)
+- Bot:
+  - [miniapp-admin.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/bot/src/miniapp-admin.ts) (payload parsing)
+- Application:
+  - [miniapp-admin-service.ts](file:///Users/whekin/Projects/kojori-tg-bot/packages/application/src/miniapp-admin-service.ts) (include field into repository update input)
+
+### 4) Implement “3 versions of Home” (utilities / rent / no payment)
+
+**Decision:** Home determines an active mode as “Reminder→Due” (inclusive). It uses:
+
+- `dashboard.period`
+- `dashboard.timezone`
+- `dashboard.utilitiesReminderDay` / `dashboard.utilitiesDueDay`
+- `dashboard.rentWarningDay` / `dashboard.rentDueDay`
+
+#### 4.1 Utilities mode
+
+- Show a primary “Utilities” card:
+  - Amount to pay = utilities base share + purchase offset if policy is `utilities`
+  - Show due date and days left using existing copy keys (`dueOnLabel`, `daysLeftLabel`, etc.)
+- If **no utility bills recorded yet** (`utilityLedger().length === 0`):
+  - Show an inline “Fill utilities” call-to-action:
+    - A simple add-utility-bill form embedded on Home (visible to all members).
+    - After successful submission + refresh, the CTA disappears and the normal utilities card renders.
+  - Optional: provide a link to the Ledger screen as fallback (if the user prefers to do it there).
+
+#### 4.2 Rent mode
+
+- Show a primary “Rent” card:
+  - Amount to pay = rent base share + purchase offset if policy is `rent`
+  - Show due date and days left/overdue visuals.
+- Show one-or-more “Payment destination” cards listing:
+  - Label, recipient, bank, account, note/link
+
+#### 4.3 No payment mode
+
+- Show an “Upcoming” card:
+  - Days until utilities reminder day
+  - Days until rent warning day
+- Continue to show “Your balance” and latest activity as secondary content (so the screen stays useful).
+
+Files:
+
+- [home.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/routes/home.tsx)
+- Potentially add a tiny helper in `apps/miniapp/src/lib/` for `computeHomePeriodMode(...)` if Home gets too large.
+- [i18n.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/i18n.ts) (strings for new cards/actions)
+
+### 5) Allow non-admin utility bill submission (for Home CTA)
+
+**Decision:** add a new miniapp endpoint that allows any authorized member to add a utility bill, used by the Home CTA. Admin endpoints remain unchanged for editing/deleting.
+
+- Add a new bot handler:
+  - `POST /api/miniapp/utility-bills/add` (name can be finalized during implementation)
+  - Auth: authorized member session required
+  - Action: call `FinanceCommandService.addUtilityBill(billName, amountMajor, memberId, currency)`
+  - Response: `{ ok, authorized, cycleState }` or `{ ok, error }`
+- Wire it into the bot server router.
+- Add a miniapp client function to call it (parallel to `addMiniAppUtilityBill`, but non-admin path).
+- Home CTA uses this endpoint, then triggers `refreshHouseholdData(true, true)` so the dashboard updates.
+
+Files:
+
+- Bot:
+  - [miniapp-billing.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/bot/src/miniapp-billing.ts) (new handler)
+  - [server.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/bot/src/server.ts) (new route option + dispatch)
+  - [index.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/bot/src/index.ts) (compose and pass the new handler into `createBotWebhookServer`)
+- Miniapp:
+  - [miniapp-api.ts](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/miniapp-api.ts) (new function)
+  - [home.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/routes/home.tsx) (use it)
+
+## Assumptions & Decisions
+
+- Period selection is **Reminder→Due inclusive** (utilities: `utilitiesReminderDay..utilitiesDueDay`, rent: `rentWarningDay..rentDueDay`).
+- Rent payment credentials are **structured** and stored as **plain text** fields (no secrets); they are visible to all household members and editable by admins only.
+- Utilities “fill” flow is initially “rent-only credentials now”; utilities destinations are out of scope.
+- Utility bill submission from Home is allowed for any authorized member; edit/delete remains admin-only.
+
+## Verification Steps
+
+- Typecheck, lint, test, build (repo quality gates):
+  - `bun run format:check`
+  - `bun run lint`
+  - `bun run typecheck`
+  - `bun run test`
+  - `bun run build`
+- Manual miniapp checks:
+  - Home renders correctly in all 3 modes by adjusting due/reminder days in Settings.
+  - Utilities window + no bills: Home CTA allows submission and then switches to normal utilities view after refresh.
+  - Rent window: rent credentials render correctly; multiple destinations show; admin edits persist and reload.
--- a/.trae/documents/ui_tweaks_and_reactivity.md
+++ b/.trae/documents/ui_tweaks_and_reactivity.md
@@ -0,0 +1,62 @@
+# Plan - UI Tweaks and Reactive Updates
+
+This plan outlines the changes needed to ensure data reactivity after updates, improve chart visibility with better colors, and enhance the "Latest activity" section with a "show more" functionality.
+
+## 1. Reactive Data Updates
+
+### Analysis
+
+Currently, when a purchase or payment is added in [ledger.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/routes/ledger.tsx), `refreshHouseholdData(true, true)` is called. This function invalidates the TanStack Query cache in [session-context.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/contexts/session-context.tsx), but [DashboardProvider](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/contexts/dashboard-context.tsx) stores data in local signals (`setDashboard`) and does not automatically refetch when the cache is invalidated.
+
+### Proposed Changes
+
+- **session-context.tsx**:
+  - Add a way to register "data listeners" or simply a list of refresh callbacks.
+  - Update `refreshHouseholdData` to execute these callbacks.
+- **dashboard-context.tsx**:
+  - In `DashboardProvider`, register `loadDashboardData` as a listener in the session context on mount.
+- **App.tsx**:
+  - Ensure `DashboardProvider` is correctly integrated with the session's refresh mechanism.
+
+## 2. Chart Colors Improvement
+
+### Analysis
+
+Current chart colors in [dashboard-context.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/contexts/dashboard-context.tsx) and [theme.css](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/theme.css) are somewhat similar, making them hard to distinguish.
+
+### Proposed Changes
+
+- **dashboard-context.tsx**:
+  - Update `chartPalette` with more distinct, high-contrast colors.
+  - Proposed palette: `#3ecf8e` (Emerald), `#3b82f6` (Blue), `#ef4444` (Red), `#f59e0b` (Amber), `#8b5cf6` (Violet), `#ec4899` (Pink).
+- **theme.css**:
+  - Update `--chart-1` through `--chart-6` variables to match the new palette for consistency across the app.
+
+## 3. "Show More" for Latest Activity
+
+### Analysis
+
+The "Latest activity" section in [home.tsx](file:///Users/whekin/Projects/kojori-tg-bot/apps/miniapp/src/routes/home.tsx) currently only shows the first 5 entries of the ledger.
+
+### Proposed Changes
+
+- **home.tsx**:
+  - Add a local signal `showAllActivity` (default `false`).
+  - Update the `For` loop to show either `slice(0, 5)` or the full `ledger` based on the signal.
+  - Add a "Show more" button that appears if `ledger.length > 5`.
+  - Style the button to match the app's UI.
+- **i18n.ts**:
+  - Add translations for "Show more" and "Show less" (or "Collapse").
+
+## Verification Plan
+
+### Automated Tests
+
+- Since this is mostly UI/UX, manual verification in the browser is preferred.
+- Check if `invalidateQueries` is called after adding a purchase (can be checked via network tab).
+
+### Manual Verification
+
+1.  **Reactivity**: Add a purchase and verify that the dashboard balances and "Latest activity" update immediately without manual page refresh.
+2.  **Chart Colors**: Navigate to the balances page and verify that chart slices are easily distinguishable.
+3.  **Show More**: On the home page, ensure "Show more" appears when there are > 5 activities and correctly expands the list.
--- a/apps/bot/src/anonymous-feedback.test.ts
+++ b/apps/bot/src/anonymous-feedback.test.ts
@@ -231,7 +231,8 @@ function createHouseholdConfigurationRepository(): HouseholdConfigurationReposit
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
@@ -242,7 +243,8 @@ function createHouseholdConfigurationRepository(): HouseholdConfigurationReposit
      rentWarningDay: input.rentWarningDay ?? 17,
      utilitiesDueDay: input.utilitiesDueDay ?? 4,
      utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-      timezone: input.timezone ?? 'Asia/Tbilisi'
+      timezone: input.timezone ?? 'Asia/Tbilisi',
+      rentPaymentDestinations: input.rentPaymentDestinations ?? null
    }),
    listHouseholdUtilityCategories: async () => [],
    upsertHouseholdUtilityCategory: async (input) => ({
--- a/apps/bot/src/bot-i18n.test.ts
+++ b/apps/bot/src/bot-i18n.test.ts
@@ -100,7 +100,8 @@ function createRepository(isAdmin = false): HouseholdConfigurationRepository {
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async () => {
      throw new Error('not implemented')
--- a/apps/bot/src/dm-assistant.test.ts
+++ b/apps/bot/src/dm-assistant.test.ts
@@ -237,7 +237,8 @@ function createHouseholdRepository(): HouseholdConfigurationRepository {
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async () => {
      throw new Error('not used')
@@ -342,9 +343,12 @@ function createFinanceService(): FinanceCommandService {
      period: '2026-03',
      currency: 'GEL',
      timezone: 'Asia/Tbilisi',
+      rentWarningDay: 17,
      rentDueDay: 20,
+      utilitiesReminderDay: 3,
      utilitiesDueDay: 4,
      paymentBalanceAdjustmentPolicy: 'utilities',
+      rentPaymentDestinations: null,
      totalDue: Money.fromMajor('1000.00', 'GEL'),
      totalPaid: Money.fromMajor('500.00', 'GEL'),
      totalRemaining: Money.fromMajor('500.00', 'GEL'),
--- a/apps/bot/src/finance-commands.test.ts
+++ b/apps/bot/src/finance-commands.test.ts
@@ -94,7 +94,8 @@ function createRepository(): HouseholdConfigurationRepository {
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async () => {
      throw new Error('not implemented')
@@ -126,9 +127,12 @@ function createDashboard(): NonNullable<
    period: '2026-03',
    currency: 'GEL',
    timezone: 'Asia/Tbilisi',
+    rentWarningDay: 17,
    rentDueDay: 20,
+    utilitiesReminderDay: 3,
    utilitiesDueDay: 4,
    paymentBalanceAdjustmentPolicy: 'utilities',
+    rentPaymentDestinations: null,
    totalDue: Money.fromMajor('400', 'GEL'),
    totalPaid: Money.fromMajor('100', 'GEL'),
    totalRemaining: Money.fromMajor('300', 'GEL'),
--- a/apps/bot/src/household-setup.test.ts
+++ b/apps/bot/src/household-setup.test.ts
@@ -463,7 +463,8 @@ function createHouseholdConfigurationRepository(): HouseholdConfigurationReposit
        rentWarningDay: 17,
        utilitiesDueDay: 4,
        utilitiesReminderDay: 3,
-        timezone: 'Asia/Tbilisi'
+        timezone: 'Asia/Tbilisi',
+        rentPaymentDestinations: null
      }
    },
    async updateHouseholdBillingSettings(input) {
@@ -476,7 +477,8 @@ function createHouseholdConfigurationRepository(): HouseholdConfigurationReposit
        rentWarningDay: input.rentWarningDay ?? 17,
        utilitiesDueDay: input.utilitiesDueDay ?? 4,
        utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-        timezone: input.timezone ?? 'Asia/Tbilisi'
+        timezone: input.timezone ?? 'Asia/Tbilisi',
+        rentPaymentDestinations: input.rentPaymentDestinations ?? null
      }
    },
    async listHouseholdUtilityCategories() {
--- a/apps/bot/src/index.ts
+++ b/apps/bot/src/index.ts
@@ -73,6 +73,7 @@ import {
  createMiniAppDeleteUtilityBillHandler,
  createMiniAppOpenCycleHandler,
  createMiniAppRentUpdateHandler,
+  createMiniAppSubmitUtilityBillHandler,
  createMiniAppUpdatePaymentHandler,
  createMiniAppUpdatePurchaseHandler,
  createMiniAppUpdateUtilityBillHandler
@@ -714,6 +715,15 @@ const server = createBotWebhookServer({
        logger: getLogger('miniapp-billing')
      })
    : undefined,
+  miniAppSubmitUtilityBill: householdOnboardingService
+    ? createMiniAppSubmitUtilityBillHandler({
+        allowedOrigins: runtime.miniAppAllowedOrigins,
+        botToken: runtime.telegramBotToken,
+        onboardingService: householdOnboardingService,
+        financeServiceForHousehold,
+        logger: getLogger('miniapp-billing')
+      })
+    : undefined,
  miniAppUpdateUtilityBill: householdOnboardingService
    ? createMiniAppUpdateUtilityBillHandler({
        allowedOrigins: runtime.miniAppAllowedOrigins,
--- a/apps/bot/src/miniapp-admin.test.ts
+++ b/apps/bot/src/miniapp-admin.test.ts
@@ -174,7 +174,8 @@ function onboardingRepository(): HouseholdConfigurationRepository {
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
@@ -185,7 +186,8 @@ function onboardingRepository(): HouseholdConfigurationRepository {
      rentWarningDay: input.rentWarningDay ?? 17,
      utilitiesDueDay: input.utilitiesDueDay ?? 4,
      utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-      timezone: input.timezone ?? 'Asia/Tbilisi'
+      timezone: input.timezone ?? 'Asia/Tbilisi',
+      rentPaymentDestinations: input.rentPaymentDestinations ?? null
    }),
    getHouseholdAssistantConfig: async (householdId) => ({
      householdId,
@@ -536,7 +538,8 @@ describe('createMiniAppSettingsHandler', () => {
        utilitiesDueDay: 4,
        utilitiesReminderDay: 3,
        timezone: 'Asia/Tbilisi',
-        paymentBalanceAdjustmentPolicy: 'utilities'
+        paymentBalanceAdjustmentPolicy: 'utilities',
+        rentPaymentDestinations: null
      },
      assistantConfig: {
        householdId: 'household-1',
@@ -638,7 +641,8 @@ describe('createMiniAppUpdateSettingsHandler', () => {
        utilitiesDueDay: 6,
        utilitiesReminderDay: 5,
        timezone: 'Asia/Tbilisi',
-        paymentBalanceAdjustmentPolicy: 'utilities'
+        paymentBalanceAdjustmentPolicy: 'utilities',
+        rentPaymentDestinations: null
      },
      assistantConfig: {
        householdId: 'household-1',
--- a/apps/bot/src/miniapp-admin.ts
+++ b/apps/bot/src/miniapp-admin.ts
@@ -59,6 +59,7 @@ async function readSettingsUpdatePayload(request: Request): Promise<{
  utilitiesDueDay: number
  utilitiesReminderDay: number
  timezone: string
+  rentPaymentDestinations?: unknown
  assistantContext?: string
  assistantTone?: string
 }> {
@@ -80,6 +81,7 @@ async function readSettingsUpdatePayload(request: Request): Promise<{
    utilitiesDueDay?: number
    utilitiesReminderDay?: number
    timezone?: string
+    rentPaymentDestinations?: unknown
    assistantContext?: string
    assistantTone?: string
  }
@@ -136,6 +138,11 @@ async function readSettingsUpdatePayload(request: Request): Promise<{
          assistantTone: parsed.assistantTone
        }
      : {}),
+    ...(parsed.rentPaymentDestinations !== undefined
+      ? {
+          rentPaymentDestinations: parsed.rentPaymentDestinations
+        }
+      : {}),
    rentDueDay: parsed.rentDueDay,
    rentWarningDay: parsed.rentWarningDay,
    utilitiesDueDay: parsed.utilitiesDueDay,
@@ -369,7 +376,8 @@ function serializeBillingSettings(settings: HouseholdBillingSettingsRecord) {
    rentWarningDay: settings.rentWarningDay,
    utilitiesDueDay: settings.utilitiesDueDay,
    utilitiesReminderDay: settings.utilitiesReminderDay,
-    timezone: settings.timezone
+    timezone: settings.timezone,
+    rentPaymentDestinations: settings.rentPaymentDestinations ?? null
  }
 }

@@ -658,6 +666,11 @@ export function createMiniAppUpdateSettingsHandler(options: {
          utilitiesDueDay: payload.utilitiesDueDay,
          utilitiesReminderDay: payload.utilitiesReminderDay,
          timezone: payload.timezone,
+          ...(payload.rentPaymentDestinations !== undefined
+            ? {
+                rentPaymentDestinations: payload.rentPaymentDestinations
+              }
+            : {}),
          ...(payload.assistantContext !== undefined
            ? {
                assistantContext: payload.assistantContext
--- a/apps/bot/src/miniapp-auth.test.ts
+++ b/apps/bot/src/miniapp-auth.test.ts
@@ -167,7 +167,8 @@ function onboardingRepository(): HouseholdConfigurationRepository {
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
@@ -178,7 +179,8 @@ function onboardingRepository(): HouseholdConfigurationRepository {
      rentWarningDay: input.rentWarningDay ?? 17,
      utilitiesDueDay: input.utilitiesDueDay ?? 4,
      utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-      timezone: input.timezone ?? 'Asia/Tbilisi'
+      timezone: input.timezone ?? 'Asia/Tbilisi',
+      rentPaymentDestinations: input.rentPaymentDestinations ?? null
    }),
    listHouseholdUtilityCategories: async () => [],
    upsertHouseholdUtilityCategory: async (input) => ({
--- a/apps/bot/src/miniapp-billing.test.ts
+++ b/apps/bot/src/miniapp-billing.test.ts
@@ -90,7 +90,8 @@ function onboardingRepository(): HouseholdConfigurationRepository {
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
@@ -101,7 +102,8 @@ function onboardingRepository(): HouseholdConfigurationRepository {
      rentWarningDay: input.rentWarningDay ?? 17,
      utilitiesDueDay: input.utilitiesDueDay ?? 4,
      utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-      timezone: input.timezone ?? 'Asia/Tbilisi'
+      timezone: input.timezone ?? 'Asia/Tbilisi',
+      rentPaymentDestinations: input.rentPaymentDestinations ?? null
    }),
    listHouseholdUtilityCategories: async () => [],
    upsertHouseholdUtilityCategory: async (input) => ({
--- a/apps/bot/src/miniapp-billing.ts
+++ b/apps/bot/src/miniapp-billing.ts
@@ -1,6 +1,7 @@
 import type { FinanceCommandService, HouseholdOnboardingService } from '@household/application'
 import { BillingPeriod } from '@household/domain'
 import type { Logger } from '@household/observability'
+import type { HouseholdConfigurationRepository } from '@household/ports'
 import type { MiniAppSessionResult } from './miniapp-auth'

 import {
@@ -70,6 +71,39 @@ async function authenticateAdminSession(
  }
 }

+async function authenticateMemberSession(
+  request: Request,
+  sessionService: ReturnType<typeof createMiniAppSessionService>,
+  origin: string | undefined
+): Promise<
+  | Response
+  | {
+      member: NonNullable<MiniAppSessionResult['member']>
+    }
+> {
+  const payload = await readMiniAppRequestPayload(request)
+  if (!payload.initData) {
+    return miniAppJsonResponse({ ok: false, error: 'Missing initData' }, 400, origin)
+  }
+
+  const session = await sessionService.authenticate(payload)
+  if (!session) {
+    return miniAppJsonResponse({ ok: false, error: 'Invalid Telegram init data' }, 401, origin)
+  }
+
+  if (!session.authorized || !session.member || session.member.status !== 'active') {
+    return miniAppJsonResponse(
+      { ok: false, error: 'Access limited to active household members' },
+      403,
+      origin
+    )
+  }
+
+  return {
+    member: session.member
+  }
+}
+
 async function parseJsonBody<T>(request: Request): Promise<T> {
  const text = await request.clone().text()
  if (text.trim().length === 0) {
@@ -789,6 +823,201 @@ export function createMiniAppAddUtilityBillHandler(options: {
  }
 }

+export function createMiniAppSubmitUtilityBillHandler(options: {
+  allowedOrigins: readonly string[]
+  botToken: string
+  financeServiceForHousehold: (householdId: string) => FinanceCommandService
+  onboardingService: HouseholdOnboardingService
+  logger?: Logger
+}): {
+  handler: (request: Request) => Promise<Response>
+} {
+  const sessionService = createMiniAppSessionService({
+    botToken: options.botToken,
+    onboardingService: options.onboardingService
+  })
+
+  return {
+    handler: async (request) => {
+      const origin = allowedMiniAppOrigin(request, options.allowedOrigins)
+
+      if (request.method === 'OPTIONS') {
+        return miniAppJsonResponse({ ok: true }, 204, origin)
+      }
+
+      if (request.method !== 'POST') {
+        return miniAppJsonResponse({ ok: false, error: 'Method Not Allowed' }, 405, origin)
+      }
+
+      try {
+        const auth = await authenticateMemberSession(
+          request.clone() as Request,
+          sessionService,
+          origin
+        )
+        if (auth instanceof Response) {
+          return auth
+        }
+
+        const payload = await readUtilityBillPayload(request)
+        const service = options.financeServiceForHousehold(auth.member.householdId)
+        const result = await service.addUtilityBill(
+          payload.billName,
+          payload.amountMajor,
+          auth.member.id,
+          payload.currency
+        )
+
+        if (!result) {
+          return miniAppJsonResponse(
+            { ok: false, error: 'No billing cycle available' },
+            404,
+            origin
+          )
+        }
+
+        return miniAppJsonResponse(
+          {
+            ok: true,
+            authorized: true
+          },
+          200,
+          origin
+        )
+      } catch (error) {
+        return miniAppErrorResponse(error, origin, options.logger)
+      }
+    }
+  }
+}
+
+export function createMiniAppSubmitPaymentHandler(options: {
+  allowedOrigins: readonly string[]
+  botToken: string
+  financeServiceForHousehold: (householdId: string) => FinanceCommandService
+  onboardingService: HouseholdOnboardingService
+  householdConfigurationRepository: HouseholdConfigurationRepository
+  logger?: Logger
+}): {
+  handler: (request: Request) => Promise<Response>
+} {
+  const sessionService = createMiniAppSessionService({
+    botToken: options.botToken,
+    onboardingService: options.onboardingService
+  })
+
+  async function notifyPaymentRecorded(input: {
+    householdId: string
+    memberName: string
+    kind: 'rent' | 'utilities'
+    amountMajor: string
+    currency: string
+    period: string
+  }) {
+    const [chat, topic] = await Promise.all([
+      options.householdConfigurationRepository.getHouseholdChatByHouseholdId(input.householdId),
+      options.householdConfigurationRepository.getHouseholdTopicBinding(
+        input.householdId,
+        'reminders'
+      )
+    ])
+
+    if (!chat || !topic) {
+      return
+    }
+
+    const threadId = Number.parseInt(topic.telegramThreadId, 10)
+    if (!Number.isFinite(threadId)) {
+      return
+    }
+
+    const response = await fetch(`https://api.telegram.org/bot${options.botToken}/sendMessage`, {
+      method: 'POST',
+      headers: {
+        'content-type': 'application/json'
+      },
+      body: JSON.stringify({
+        chat_id: chat.telegramChatId,
+        message_thread_id: threadId,
+        text: `${input.memberName} recorded a ${input.kind} payment: ${input.amountMajor} ${input.currency} (${input.period})`
+      })
+    })
+
+    if (!response.ok && options.logger) {
+      options.logger.warn(
+        {
+          event: 'miniapp.payment_notification_failed',
+          householdId: input.householdId,
+          status: response.status
+        },
+        'Failed to notify payment topic'
+      )
+    }
+  }
+
+  return {
+    handler: async (request) => {
+      const origin = allowedMiniAppOrigin(request, options.allowedOrigins)
+
+      if (request.method === 'OPTIONS') {
+        return miniAppJsonResponse({ ok: true }, 204, origin)
+      }
+
+      if (request.method !== 'POST') {
+        return miniAppJsonResponse({ ok: false, error: 'Method Not Allowed' }, 405, origin)
+      }
+
+      try {
+        const auth = await authenticateMemberSession(
+          request.clone() as Request,
+          sessionService,
+          origin
+        )
+        if (auth instanceof Response) {
+          return auth
+        }
+
+        const payload = await readPaymentMutationPayload(request)
+        if (!payload.kind || !payload.amountMajor) {
+          return miniAppJsonResponse({ ok: false, error: 'Missing payment fields' }, 400, origin)
+        }
+
+        const service = options.financeServiceForHousehold(auth.member.householdId)
+        const payment = await service.addPayment(
+          auth.member.id,
+          payload.kind,
+          payload.amountMajor,
+          payload.currency
+        )
+
+        if (!payment) {
+          return miniAppJsonResponse({ ok: false, error: 'Failed to record payment' }, 500, origin)
+        }
+
+        await notifyPaymentRecorded({
+          householdId: auth.member.householdId,
+          memberName: auth.member.displayName,
+          kind: payload.kind,
+          amountMajor: payment.amount.toMajorString(),
+          currency: payment.currency,
+          period: payment.period
+        })
+
+        return miniAppJsonResponse(
+          {
+            ok: true,
+            authorized: true
+          },
+          200,
+          origin
+        )
+      } catch (error) {
+        return miniAppErrorResponse(error, origin, options.logger)
+      }
+    }
+  }
+}
+
 export function createMiniAppUpdateUtilityBillHandler(options: {
  allowedOrigins: readonly string[]
  botToken: string
--- a/apps/bot/src/miniapp-dashboard.test.ts
+++ b/apps/bot/src/miniapp-dashboard.test.ts
@@ -232,7 +232,8 @@ function onboardingRepository(): HouseholdConfigurationRepository {
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
@@ -243,7 +244,8 @@ function onboardingRepository(): HouseholdConfigurationRepository {
      rentWarningDay: input.rentWarningDay ?? 17,
      utilitiesDueDay: input.utilitiesDueDay ?? 4,
      utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-      timezone: input.timezone ?? 'Asia/Tbilisi'
+      timezone: input.timezone ?? 'Asia/Tbilisi',
+      rentPaymentDestinations: input.rentPaymentDestinations ?? null
    }),
    listHouseholdUtilityCategories: async () => [],
    upsertHouseholdUtilityCategory: async (input) => ({
--- a/apps/bot/src/miniapp-dashboard.ts
+++ b/apps/bot/src/miniapp-dashboard.ts
@@ -89,9 +89,12 @@ export function createMiniAppDashboardHandler(options: {
              period: dashboard.period,
              currency: dashboard.currency,
              timezone: dashboard.timezone,
+              rentWarningDay: dashboard.rentWarningDay,
              rentDueDay: dashboard.rentDueDay,
+              utilitiesReminderDay: dashboard.utilitiesReminderDay,
              utilitiesDueDay: dashboard.utilitiesDueDay,
              paymentBalanceAdjustmentPolicy: dashboard.paymentBalanceAdjustmentPolicy,
+              rentPaymentDestinations: dashboard.rentPaymentDestinations,
              totalDueMajor: dashboard.totalDue.toMajorString(),
              totalPaidMajor: dashboard.totalPaid.toMajorString(),
              totalRemainingMajor: dashboard.totalRemaining.toMajorString(),
--- a/apps/bot/src/miniapp-locale.test.ts
+++ b/apps/bot/src/miniapp-locale.test.ts
@@ -143,7 +143,8 @@ function repository(): HouseholdConfigurationRepository {
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
@@ -154,7 +155,8 @@ function repository(): HouseholdConfigurationRepository {
      rentWarningDay: input.rentWarningDay ?? 17,
      utilitiesDueDay: input.utilitiesDueDay ?? 4,
      utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-      timezone: input.timezone ?? 'Asia/Tbilisi'
+      timezone: input.timezone ?? 'Asia/Tbilisi',
+      rentPaymentDestinations: input.rentPaymentDestinations ?? null
    }),
    listHouseholdUtilityCategories: async () => [],
    upsertHouseholdUtilityCategory: async (input) => ({
--- a/apps/bot/src/payment-topic-ingestion.test.ts
+++ b/apps/bot/src/payment-topic-ingestion.test.ts
@@ -174,9 +174,12 @@ function createFinanceService(): FinanceCommandService {
      period: '2026-03',
      currency: 'GEL',
      timezone: 'Asia/Tbilisi',
+      rentWarningDay: 17,
      rentDueDay: 20,
+      utilitiesReminderDay: 3,
      utilitiesDueDay: 4,
      paymentBalanceAdjustmentPolicy: 'utilities',
+      rentPaymentDestinations: null,
      totalDue: Money.fromMajor('1000', 'GEL'),
      totalPaid: Money.zero('GEL'),
      totalRemaining: Money.fromMajor('1000', 'GEL'),
--- a/apps/bot/src/purchase-topic-ingestion.test.ts
+++ b/apps/bot/src/purchase-topic-ingestion.test.ts
@@ -2021,7 +2021,8 @@ Confirm or cancel below.`,
        utilitiesDueDay: 12,
        utilitiesReminderDay: 10,
        timezone: 'Asia/Tbilisi',
-        settlementCurrency: 'GEL' as const
+        settlementCurrency: 'GEL' as const,
+        rentPaymentDestinations: null
      }),
      getHouseholdChatByHouseholdId: async () => ({
        householdId: config.householdId,
--- a/apps/bot/src/server.ts
+++ b/apps/bot/src/server.ts
@@ -122,6 +122,12 @@ export interface BotWebhookServerOptions {
        handler: (request: Request) => Promise<Response>
      }
    | undefined
+  miniAppSubmitUtilityBill?:
+    | {
+        path?: string
+        handler: (request: Request) => Promise<Response>
+      }
+    | undefined
  miniAppUpdateUtilityBill?:
    | {
        path?: string
@@ -158,6 +164,12 @@ export interface BotWebhookServerOptions {
        handler: (request: Request) => Promise<Response>
      }
    | undefined
+  miniAppSubmitPayment?:
+    | {
+        path?: string
+        handler: (request: Request) => Promise<Response>
+      }
+    | undefined
  miniAppUpdatePayment?:
    | {
        path?: string
@@ -241,6 +253,8 @@ export function createBotWebhookServer(options: BotWebhookServerOptions): {
  const miniAppRentUpdatePath = options.miniAppRentUpdate?.path ?? '/api/miniapp/admin/rent/update'
  const miniAppAddUtilityBillPath =
    options.miniAppAddUtilityBill?.path ?? '/api/miniapp/admin/utility-bills/add'
+  const miniAppSubmitUtilityBillPath =
+    options.miniAppSubmitUtilityBill?.path ?? '/api/miniapp/utility-bills/add'
  const miniAppUpdateUtilityBillPath =
    options.miniAppUpdateUtilityBill?.path ?? '/api/miniapp/admin/utility-bills/update'
  const miniAppDeleteUtilityBillPath =
@@ -252,6 +266,7 @@ export function createBotWebhookServer(options: BotWebhookServerOptions): {
  const miniAppDeletePurchasePath =
    options.miniAppDeletePurchase?.path ?? '/api/miniapp/admin/purchases/delete'
  const miniAppAddPaymentPath = options.miniAppAddPayment?.path ?? '/api/miniapp/admin/payments/add'
+  const miniAppSubmitPaymentPath = options.miniAppSubmitPayment?.path ?? '/api/miniapp/payments/add'
  const miniAppUpdatePaymentPath =
    options.miniAppUpdatePayment?.path ?? '/api/miniapp/admin/payments/update'
  const miniAppDeletePaymentPath =
@@ -362,6 +377,10 @@ export function createBotWebhookServer(options: BotWebhookServerOptions): {
        return await options.miniAppAddUtilityBill.handler(request)
      }

+      if (options.miniAppSubmitUtilityBill && url.pathname === miniAppSubmitUtilityBillPath) {
+        return await options.miniAppSubmitUtilityBill.handler(request)
+      }
+
      if (options.miniAppUpdateUtilityBill && url.pathname === miniAppUpdateUtilityBillPath) {
        return await options.miniAppUpdateUtilityBill.handler(request)
      }
@@ -386,6 +405,10 @@ export function createBotWebhookServer(options: BotWebhookServerOptions): {
        return await options.miniAppAddPayment.handler(request)
      }

+      if (options.miniAppSubmitPayment && url.pathname === miniAppSubmitPaymentPath) {
+        return await options.miniAppSubmitPayment.handler(request)
+      }
+
      if (options.miniAppUpdatePayment && url.pathname === miniAppUpdatePaymentPath) {
        return await options.miniAppUpdatePayment.handler(request)
      }
--- a/apps/miniapp/src/components/layout/shell.tsx
+++ b/apps/miniapp/src/components/layout/shell.tsx
@@ -9,11 +9,22 @@ import { NavigationTabs } from './navigation-tabs'
 import { Badge } from '../ui/badge'
 import { Button, IconButton } from '../ui/button'
 import { Modal } from '../ui/dialog'
+import { Field } from '../ui/field'
+import { Input } from '../ui/input'

 export function AppShell(props: ParentProps) {
  const { readySession } = useSession()
  const { copy, locale, setLocale } = useI18n()
-  const { effectiveIsAdmin, testingRolePreview, setTestingRolePreview } = useDashboard()
+  const {
+    dashboard,
+    effectiveIsAdmin,
+    testingRolePreview,
+    setTestingRolePreview,
+    testingPeriodOverride,
+    setTestingPeriodOverride,
+    testingTodayOverride,
+    setTestingTodayOverride
+  } = useDashboard()
  const navigate = useNavigate()

  const [testingSurfaceOpen, setTestingSurfaceOpen] = createSignal(false)
@@ -157,6 +168,43 @@ export function AppShell(props: ParentProps) {
              {copy().testingPreviewResidentAction ?? ''}
            </Button>
          </div>
+          <article class="testing-card__section">
+            <span>{copy().testingPeriodCurrentLabel ?? ''}</span>
+            <strong>{dashboard()?.period ?? '—'}</strong>
+          </article>
+          <div class="testing-card__actions" style={{ 'flex-direction': 'column', gap: '12px' }}>
+            <Field label={copy().testingPeriodOverrideLabel ?? ''} wide>
+              <Input
+                placeholder={copy().testingPeriodOverridePlaceholder ?? ''}
+                value={testingPeriodOverride() ?? ''}
+                onInput={(e) => {
+                  const next = e.currentTarget.value.trim()
+                  setTestingPeriodOverride(next.length > 0 ? next : null)
+                }}
+              />
+            </Field>
+            <Field label={copy().testingTodayOverrideLabel ?? ''} wide>
+              <Input
+                placeholder={copy().testingTodayOverridePlaceholder ?? ''}
+                value={testingTodayOverride() ?? ''}
+                onInput={(e) => {
+                  const next = e.currentTarget.value.trim()
+                  setTestingTodayOverride(next.length > 0 ? next : null)
+                }}
+              />
+            </Field>
+            <div class="modal-action-row">
+              <Button
+                variant="ghost"
+                onClick={() => {
+                  setTestingPeriodOverride(null)
+                  setTestingTodayOverride(null)
+                }}
+              >
+                {copy().testingClearOverridesAction ?? ''}
+              </Button>
+            </div>
+          </div>
        </div>
      </Modal>
    </main>
--- a/apps/miniapp/src/components/ui/toast.tsx
+++ b/apps/miniapp/src/components/ui/toast.tsx
@@ -0,0 +1,50 @@
+import { Show, createEffect, onCleanup } from 'solid-js'
+
+import { cn } from '../../lib/cn'
+
+export interface ToastOptions {
+  message: string
+  type?: 'success' | 'info' | 'error'
+  duration?: number
+}
+
+export interface ToastState {
+  visible: boolean
+  message: string
+  type: 'success' | 'info' | 'error'
+}
+
+const toastVariants = {
+  success: 'toast--success',
+  info: 'toast--info',
+  error: 'toast--error'
+}
+
+export function Toast(props: { state: ToastState; onClose: () => void }) {
+  let timeoutId: ReturnType<typeof setTimeout> | undefined
+
+  createEffect(() => {
+    if (props.state.visible) {
+      timeoutId = setTimeout(
+        () => {
+          props.onClose()
+        },
+        props.state.type === 'error' ? 4000 : 2000
+      )
+    }
+  })
+
+  onCleanup(() => {
+    if (timeoutId) {
+      clearTimeout(timeoutId)
+    }
+  })
+
+  return (
+    <Show when={props.state.visible}>
+      <div role="status" aria-live="polite" class={cn('toast', toastVariants[props.state.type])}>
+        <span class="toast__message">{props.state.message}</span>
+      </div>
+    </Show>
+  )
+}
--- a/apps/miniapp/src/contexts/dashboard-context.tsx
+++ b/apps/miniapp/src/contexts/dashboard-context.tsx
@@ -103,6 +103,10 @@ type DashboardContextValue = {
  purchaseInvestmentChart: () => ReturnType<typeof computePurchaseInvestmentChart>
  testingRolePreview: () => TestingRolePreview | null
  setTestingRolePreview: (value: TestingRolePreview | null) => void
+  testingPeriodOverride: () => string | null
+  setTestingPeriodOverride: (value: string | null) => void
+  testingTodayOverride: () => string | null
+  setTestingTodayOverride: (value: string | null) => void
  loadDashboardData: (initData: string, isAdmin: boolean) => Promise<void>
  applyDemoState: () => void
 }
@@ -246,6 +250,8 @@ export function DashboardProvider(props: ParentProps) {
  const [cycleState, setCycleState] = createSignal<MiniAppAdminCycleState | null>(null)
  const [pendingMembers, setPendingMembers] = createSignal<readonly MiniAppPendingMember[]>([])
  const [testingRolePreview, setTestingRolePreview] = createSignal<TestingRolePreview | null>(null)
+  const [testingPeriodOverride, setTestingPeriodOverride] = createSignal<string | null>(null)
+  const [testingTodayOverride, setTestingTodayOverride] = createSignal<string | null>(null)

  const effectiveIsAdmin = createMemo(() => {
    const current = readySession()
@@ -356,6 +362,10 @@ export function DashboardProvider(props: ParentProps) {
        purchaseInvestmentChart,
        testingRolePreview,
        setTestingRolePreview,
+        testingPeriodOverride,
+        setTestingPeriodOverride,
+        testingTodayOverride,
+        setTestingTodayOverride,
        loadDashboardData,
        applyDemoState
      }}
--- a/apps/miniapp/src/demo/miniapp-demo.ts
+++ b/apps/miniapp/src/demo/miniapp-demo.ts
@@ -27,9 +27,21 @@ export const demoDashboard: MiniAppDashboard = {
  period: '2026-03',
  currency: 'GEL',
  timezone: 'Asia/Tbilisi',
+  rentWarningDay: 17,
  rentDueDay: 20,
+  utilitiesReminderDay: 3,
  utilitiesDueDay: 4,
  paymentBalanceAdjustmentPolicy: 'utilities',
+  rentPaymentDestinations: [
+    {
+      label: 'TBC card',
+      recipientName: 'Landlord',
+      bankName: 'TBC Bank',
+      account: '1234 5678 9012 3456',
+      note: null,
+      link: null
+    }
+  ],
  totalDueMajor: '2410.00',
  totalPaidMajor: '650.00',
  totalRemainingMajor: '1760.00',
@@ -209,7 +221,8 @@ export const demoAdminSettings: MiniAppAdminSettingsPayload = {
    rentWarningDay: 17,
    utilitiesDueDay: 4,
    utilitiesReminderDay: 3,
-    timezone: 'Asia/Tbilisi'
+    timezone: 'Asia/Tbilisi',
+    rentPaymentDestinations: demoDashboard.rentPaymentDestinations
  },
  assistantConfig: {
    householdId: 'demo-household',
--- a/apps/miniapp/src/i18n.ts
+++ b/apps/miniapp/src/i18n.ts
@@ -64,6 +64,22 @@ export const dictionary = {
    payNowBody: '',
    homeDueTitle: 'Due',
    homeSettledTitle: 'Settled',
+    homeUtilitiesTitle: 'Utilities payment',
+    homeRentTitle: 'Rent payment',
+    homeNoPaymentTitle: 'No payment period',
+    homeUtilitiesUpcomingLabel: 'Utilities starts {date}',
+    homeRentUpcomingLabel: 'Rent starts {date}',
+    homeFillUtilitiesTitle: 'Fill utilities',
+    homeFillUtilitiesBody:
+      'No utility bills are recorded for this cycle yet. Add at least one bill to calculate utilities.',
+    homeFillUtilitiesSubmitAction: 'Save utility bill',
+    homeFillUtilitiesSubmitting: 'Saving…',
+    homeFillUtilitiesOpenLedgerAction: 'Open ledger',
+    homeUtilitiesBillsTitle: 'Utility bills',
+    homePurchasesTitle: 'Purchases',
+    homePurchasesOffsetLabel: 'Your purchases balance',
+    homePurchasesTotalLabel: 'Household purchases ({count})',
+    homeMembersCountLabel: 'Members',
    whyAction: 'Why?',
    currentCycleLabel: 'Current cycle',
    cycleTotalLabel: 'Cycle total',
@@ -137,6 +153,12 @@ export const dictionary = {
    testingPreviewResidentAction: 'Preview resident',
    testingCurrentRoleLabel: 'Real access',
    testingPreviewRoleLabel: 'Previewing',
+    testingPeriodCurrentLabel: 'Dashboard period',
+    testingPeriodOverrideLabel: 'Period override',
+    testingPeriodOverridePlaceholder: 'YYYY-MM',
+    testingTodayOverrideLabel: 'Today override',
+    testingTodayOverridePlaceholder: 'YYYY-MM-DD',
+    testingClearOverridesAction: 'Clear overrides',
    purchaseReviewTitle: 'Purchases',
    purchaseReviewBody: 'Edit or remove purchases if the bot recorded the wrong item.',
    purchaseSplitTitle: 'Split',
@@ -151,6 +173,15 @@ export const dictionary = {
    paymentsAdminTitle: 'Payments',
    paymentsAdminBody: 'Add, fix, or remove payment records for the current cycle.',
    paymentsAddAction: 'Add payment',
+    copiedToast: 'Copied!',
+    quickPaymentTitle: 'Record payment',
+    quickPaymentBody: 'Quickly record a {type} payment for the current cycle.',
+    quickPaymentAmountLabel: 'Amount',
+    quickPaymentCurrencyLabel: 'Currency',
+    quickPaymentSubmitAction: 'Save payment',
+    quickPaymentSubmitting: 'Saving…',
+    quickPaymentSuccess: 'Payment recorded successfully',
+    quickPaymentFailed: 'Failed to record payment',
    addingPayment: 'Adding payment…',
    paymentCreateBody: 'Create a payment record in a focused editor instead of a long inline form.',
    paymentKind: 'Payment kind',
@@ -220,6 +251,7 @@ export const dictionary = {
    currencyLabel: 'Currency',
    rentAmount: 'Rent amount',
    defaultRentAmount: 'Default rent',
+    rentCurrencyLabel: 'Rent currency',
    defaultRentHint:
      'New current cycles start from this rent unless you override a specific month.',
    currentCycleRentLabel: 'Current cycle rent',
@@ -235,6 +267,16 @@ export const dictionary = {
    timezone: 'Timezone',
    timezoneHint: 'Use an IANA timezone like Asia/Tbilisi.',
    timezoneInvalidHint: 'Pick a valid IANA timezone such as Asia/Tbilisi.',
+    rentPaymentDestinationsTitle: 'Rent payment destinations',
+    rentPaymentDestinationsEmpty: 'No rent payment destinations saved yet.',
+    rentPaymentDestinationAddAction: 'Add destination',
+    rentPaymentDestinationRemoveAction: 'Remove destination',
+    rentPaymentDestinationLabel: 'Label',
+    rentPaymentDestinationRecipient: 'Recipient name',
+    rentPaymentDestinationBank: 'Bank name',
+    rentPaymentDestinationAccount: 'Account / card / IBAN',
+    rentPaymentDestinationLink: 'Payment link',
+    rentPaymentDestinationNote: 'Note',
    manageSettingsAction: 'Manage settings',
    billingSettingsEditorBody:
      'Household defaults live here. New current cycles start from these values.',
@@ -367,6 +409,22 @@ export const dictionary = {
    payNowBody: '',
    homeDueTitle: 'К оплате',
    homeSettledTitle: 'Закрыто',
+    homeUtilitiesTitle: 'Оплата коммуналки',
+    homeRentTitle: 'Оплата аренды',
+    homeNoPaymentTitle: 'Период без оплаты',
+    homeUtilitiesUpcomingLabel: 'Коммуналка с {date}',
+    homeRentUpcomingLabel: 'Аренда с {date}',
+    homeFillUtilitiesTitle: 'Внести коммуналку',
+    homeFillUtilitiesBody:
+      'Для этого цикла коммунальные счета ещё не внесены. Добавь хотя бы один счёт, чтобы рассчитать коммуналку.',
+    homeFillUtilitiesSubmitAction: 'Сохранить счёт',
+    homeFillUtilitiesSubmitting: 'Сохраняем…',
+    homeFillUtilitiesOpenLedgerAction: 'Открыть леджер',
+    homeUtilitiesBillsTitle: 'Коммунальные счета',
+    homePurchasesTitle: 'Покупки',
+    homePurchasesOffsetLabel: 'Ваш баланс покупок',
+    homePurchasesTotalLabel: 'Покупок в доме ({count})',
+    homeMembersCountLabel: 'Жильцов',
    whyAction: 'Почему?',
    currentCycleLabel: 'Текущий цикл',
    cycleTotalLabel: 'Всего за цикл',
@@ -440,6 +498,12 @@ export const dictionary = {
    testingPreviewResidentAction: 'Вид жителя',
    testingCurrentRoleLabel: 'Реальный доступ',
    testingPreviewRoleLabel: 'Сейчас показан',
+    testingPeriodCurrentLabel: 'Период (из API)',
+    testingPeriodOverrideLabel: 'Переопределить период',
+    testingPeriodOverridePlaceholder: 'YYYY-MM',
+    testingTodayOverrideLabel: 'Переопределить сегодня',
+    testingTodayOverridePlaceholder: 'YYYY-MM-DD',
+    testingClearOverridesAction: 'Сбросить переопределения',
    purchaseReviewTitle: 'Покупки',
    purchaseReviewBody:
      'Здесь можно исправить или удалить покупку, если бот распознал её неправильно.',
@@ -456,6 +520,15 @@ export const dictionary = {
    paymentsAdminTitle: 'Оплаты',
    paymentsAdminBody: 'Добавляй, исправляй или удаляй оплаты за текущий цикл.',
    paymentsAddAction: 'Добавить оплату',
+    copiedToast: 'Скопировано!',
+    quickPaymentTitle: 'Записать оплату',
+    quickPaymentBody: 'Быстро запиши оплату {type} за текущий цикл.',
+    quickPaymentAmountLabel: 'Сумма',
+    quickPaymentCurrencyLabel: 'Валюта',
+    quickPaymentSubmitAction: 'Сохранить оплату',
+    quickPaymentSubmitting: 'Сохраняем…',
+    quickPaymentSuccess: 'Оплата успешно записана',
+    quickPaymentFailed: 'Не удалось записать оплату',
    addingPayment: 'Добавляем оплату…',
    paymentCreateBody: 'Создай оплату в отдельном окне вместо длинной встроенной формы.',
    paymentKind: 'Тип оплаты',
@@ -524,6 +597,7 @@ export const dictionary = {
    currencyLabel: 'Валюта',
    rentAmount: 'Сумма аренды',
    defaultRentAmount: 'Аренда по умолчанию',
+    rentCurrencyLabel: 'Валюта аренды',
    defaultRentHint:
      'Новые текущие циклы стартуют с этой суммой, если для конкретного месяца нет переопределения.',
    currentCycleRentLabel: 'Аренда текущего цикла',
@@ -539,6 +613,16 @@ export const dictionary = {
    timezone: 'Часовой пояс',
    timezoneHint: 'Используй IANA-таймзону, например Asia/Tbilisi.',
    timezoneInvalidHint: 'Выбери корректную IANA-таймзону, например Asia/Tbilisi.',
+    rentPaymentDestinationsTitle: 'Реквизиты для оплаты аренды',
+    rentPaymentDestinationsEmpty: 'Реквизиты для оплаты аренды ещё не добавлены.',
+    rentPaymentDestinationAddAction: 'Добавить реквизиты',
+    rentPaymentDestinationRemoveAction: 'Удалить',
+    rentPaymentDestinationLabel: 'Название',
+    rentPaymentDestinationRecipient: 'Получатель',
+    rentPaymentDestinationBank: 'Банк',
+    rentPaymentDestinationAccount: 'Счёт / карта / IBAN',
+    rentPaymentDestinationLink: 'Ссылка на оплату',
+    rentPaymentDestinationNote: 'Комментарий',
    manageSettingsAction: 'Управлять настройками',
    billingSettingsEditorBody:
      'Здесь живут значения по умолчанию для дома. Новые текущие циклы стартуют отсюда.',
--- a/apps/miniapp/src/index.css
+++ b/apps/miniapp/src/index.css
@@ -1033,6 +1033,46 @@ a {
  font-weight: 600;
 }

+.copyable-detail {
+  display: inline-flex;
+  align-items: center;
+  gap: 8px;
+  padding: 4px 8px;
+  border-radius: 6px;
+  border: 0;
+  background: transparent;
+  color: inherit;
+  font: inherit;
+  cursor: pointer;
+  transition: background-color 150ms ease;
+}
+
+.copyable-detail:hover {
+  background: rgba(0, 0, 0, 0.04);
+}
+
+.copyable-detail svg {
+  opacity: 0.65;
+  transition:
+    opacity 120ms ease,
+    transform 120ms ease,
+    color 120ms ease;
+}
+
+.copyable-detail:hover svg {
+  opacity: 0.9;
+}
+
+.copyable-detail.is-copied svg {
+  opacity: 1;
+  color: var(--status-credit);
+  transform: scale(1.1);
+}
+
+.copyable-detail.is-copied {
+  background: rgba(34, 197, 94, 0.12);
+}
+
 .balance-card__remaining {
  padding-top: var(--spacing-sm);
  margin-top: var(--spacing-sm);
@@ -1696,3 +1736,55 @@ a {
 .balance-item--accent {
  border-color: var(--accent-border);
 }
+
+/* ── Toast Notifications ─────────────────────── */
+
+.toast {
+  position: fixed;
+  bottom: 24px;
+  left: 50%;
+  transform: translateX(-50%) translateY(0);
+  background: var(--text-primary);
+  color: var(--bg-root);
+  padding: 12px 20px;
+  border-radius: 999px;
+  font-size: var(--text-sm);
+  font-weight: 500;
+  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.16);
+  z-index: var(--z-toast);
+  animation: toast-slide-up 200ms ease-out;
+  max-width: calc(100vw - 48px);
+  text-align: center;
+}
+
+.toast--success {
+  background: var(--status-credit);
+  color: #fff;
+}
+
+.toast--info {
+  background: var(--text-primary);
+  color: var(--bg-root);
+}
+
+.toast--error {
+  background: var(--status-danger);
+  color: #fff;
+}
+
+.toast__message {
+  white-space: nowrap;
+  overflow: hidden;
+  text-overflow: ellipsis;
+}
+
+@keyframes toast-slide-up {
+  from {
+    opacity: 0;
+    transform: translateX(-50%) translateY(16px);
+  }
+  to {
+    opacity: 1;
+    transform: translateX(-50%) translateY(0);
+  }
+}
--- a/apps/miniapp/src/lib/dates.ts
+++ b/apps/miniapp/src/lib/dates.ts
@@ -1,5 +1,7 @@
 import type { Locale } from '../i18n'

+export type CalendarDateParts = { year: number; month: number; day: number }
+
 function localeTag(locale: Locale): string {
  return locale === 'ru' ? 'ru-RU' : 'en-US'
 }
@@ -51,7 +53,40 @@ function daysInMonth(year: number, month: number): number {
  return new Date(Date.UTC(year, month, 0)).getUTCDate()
 }

-function formatTodayParts(timezone: string): { year: number; month: number; day: number } | null {
+export function parseCalendarDate(value: string): CalendarDateParts | null {
+  const match = /^(\d{4})-(\d{2})-(\d{2})$/.exec(value)
+  if (!match) return null
+  const year = Number.parseInt(match[1] ?? '', 10)
+  const month = Number.parseInt(match[2] ?? '', 10)
+  const day = Number.parseInt(match[3] ?? '', 10)
+
+  if (
+    !Number.isInteger(year) ||
+    !Number.isInteger(month) ||
+    !Number.isInteger(day) ||
+    month < 1 ||
+    month > 12 ||
+    day < 1 ||
+    day > 31
+  ) {
+    return null
+  }
+
+  return { year, month, day }
+}
+
+export function nextCyclePeriod(period: string): string | null {
+  const parsed = parsePeriod(period)
+  if (!parsed) return null
+
+  const month = parsed.month === 12 ? 1 : parsed.month + 1
+  const year = parsed.month === 12 ? parsed.year + 1 : parsed.year
+  const monthLabel = String(month).padStart(2, '0')
+
+  return `${year}-${monthLabel}`
+}
+
+function formatTodayParts(timezone: string): CalendarDateParts | null {
  try {
    const parts = new Intl.DateTimeFormat('en-CA', {
      timeZone: timezone,
@@ -134,10 +169,11 @@ export function formatPeriodDay(period: string, day: number, locale: Locale): st
 export function compareTodayToPeriodDay(
  period: string,
  day: number,
-  timezone: string
+  timezone: string,
+  todayOverride?: CalendarDateParts | null
 ): -1 | 0 | 1 | null {
  const parsed = parsePeriod(period)
-  const today = formatTodayParts(timezone)
+  const today = todayOverride ?? formatTodayParts(timezone)
  if (!parsed || !today) {
    return null
  }
@@ -157,9 +193,14 @@ export function compareTodayToPeriodDay(
  return 0
 }

-export function daysUntilPeriodDay(period: string, day: number, timezone: string): number | null {
+export function daysUntilPeriodDay(
+  period: string,
+  day: number,
+  timezone: string,
+  todayOverride?: CalendarDateParts | null
+): number | null {
  const parsed = parsePeriod(period)
-  const today = formatTodayParts(timezone)
+  const today = todayOverride ?? formatTodayParts(timezone)
  if (!parsed || !today) {
    return null
  }
--- a/apps/miniapp/src/miniapp-api.ts
+++ b/apps/miniapp/src/miniapp-api.ts
@@ -69,6 +69,16 @@ export interface MiniAppBillingSettings {
  utilitiesDueDay: number
  utilitiesReminderDay: number
  timezone: string
+  rentPaymentDestinations: readonly MiniAppRentPaymentDestination[] | null
+}
+
+export interface MiniAppRentPaymentDestination {
+  label: string
+  recipientName: string | null
+  bankName: string | null
+  account: string
+  note: string | null
+  link: string | null
 }

 export interface MiniAppAssistantConfig {
@@ -96,9 +106,12 @@ export interface MiniAppDashboard {
  period: string
  currency: 'USD' | 'GEL'
  timezone: string
+  rentWarningDay: number
  rentDueDay: number
+  utilitiesReminderDay: number
  utilitiesDueDay: number
  paymentBalanceAdjustmentPolicy: 'utilities' | 'rent' | 'separate'
+  rentPaymentDestinations: readonly MiniAppRentPaymentDestination[] | null
  totalDueMajor: string
  totalPaidMajor: string
  totalRemainingMajor: string
@@ -466,6 +479,7 @@ export async function updateMiniAppBillingSettings(
    utilitiesDueDay: number
    utilitiesReminderDay: number
    timezone: string
+    rentPaymentDestinations?: readonly MiniAppRentPaymentDestination[] | null
    assistantContext?: string
    assistantTone?: string
  }
@@ -883,6 +897,36 @@ export async function addMiniAppUtilityBill(
  return payload.cycleState
 }

+export async function submitMiniAppUtilityBill(
+  initData: string,
+  input: {
+    billName: string
+    amountMajor: string
+    currency: 'USD' | 'GEL'
+  }
+): Promise<void> {
+  const response = await fetch(`${apiBaseUrl()}/api/miniapp/utility-bills/add`, {
+    method: 'POST',
+    headers: {
+      'content-type': 'application/json'
+    },
+    body: JSON.stringify({
+      initData,
+      ...input
+    })
+  })
+
+  const payload = (await response.json()) as {
+    ok: boolean
+    authorized?: boolean
+    error?: string
+  }
+
+  if (!response.ok || !payload.authorized) {
+    throw new Error(payload.error ?? 'Failed to submit utility bill')
+  }
+}
+
 export async function updateMiniAppUtilityBill(
  initData: string,
  input: {
--- a/apps/miniapp/src/routes/home.tsx
+++ b/apps/miniapp/src/routes/home.tsx
@@ -1,19 +1,93 @@
-import { Show, For, createSignal } from 'solid-js'
-import { Clock, ChevronDown, ChevronUp } from 'lucide-solid'
+import { Show, For, createMemo, createSignal } from 'solid-js'
+import { Clock, ChevronDown, ChevronUp, Copy, Check, CreditCard } from 'lucide-solid'
+import { useNavigate } from '@solidjs/router'

 import { useSession } from '../contexts/session-context'
 import { useI18n } from '../contexts/i18n-context'
 import { useDashboard } from '../contexts/dashboard-context'
 import { Card } from '../components/ui/card'
 import { Badge } from '../components/ui/badge'
+import { Button } from '../components/ui/button'
+import { Field } from '../components/ui/field'
+import { Input } from '../components/ui/input'
+import { Modal } from '../components/ui/dialog'
+import { Toast } from '../components/ui/toast'
 import { memberRemainingClass, ledgerPrimaryAmount } from '../lib/ledger-helpers'
 import { majorStringToMinor, minorToMajorString } from '../lib/money'
+import {
+  compareTodayToPeriodDay,
+  daysUntilPeriodDay,
+  formatPeriodDay,
+  nextCyclePeriod,
+  parseCalendarDate
+} from '../lib/dates'
+import { submitMiniAppUtilityBill, addMiniAppPayment } from '../miniapp-api'

 export default function HomeRoute() {
-  const { readySession } = useSession()
-  const { copy } = useI18n()
-  const { dashboard, currentMemberLine } = useDashboard()
+  const navigate = useNavigate()
+  const { readySession, initData, refreshHouseholdData } = useSession()
+  const { copy, locale } = useI18n()
+  const {
+    dashboard,
+    currentMemberLine,
+    utilityLedger,
+    utilityTotalMajor,
+    purchaseLedger,
+    purchaseTotalMajor,
+    testingPeriodOverride,
+    testingTodayOverride
+  } = useDashboard()
  const [showAllActivity, setShowAllActivity] = createSignal(false)
+  const [utilityDraft, setUtilityDraft] = createSignal({
+    billName: '',
+    amountMajor: '',
+    currency: (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL'
+  })
+  const [submittingUtilities, setSubmittingUtilities] = createSignal(false)
+  const [copiedValue, setCopiedValue] = createSignal<string | null>(null)
+  const [quickPaymentOpen, setQuickPaymentOpen] = createSignal(false)
+  const [quickPaymentType, setQuickPaymentType] = createSignal<'rent' | 'utilities'>('rent')
+  const [quickPaymentAmount, setQuickPaymentAmount] = createSignal('')
+  const [submittingPayment, setSubmittingPayment] = createSignal(false)
+  const [toastState, setToastState] = createSignal<{
+    visible: boolean
+    message: string
+    type: 'success' | 'info' | 'error'
+  }>({ visible: false, message: '', type: 'info' })
+
+  async function copyText(value: string): Promise<boolean> {
+    try {
+      await navigator.clipboard.writeText(value)
+      return true
+    } catch {
+      try {
+        const element = document.createElement('textarea')
+        element.value = value
+        element.setAttribute('readonly', 'true')
+        element.style.position = 'absolute'
+        element.style.left = '-9999px'
+        document.body.appendChild(element)
+        element.select()
+        document.execCommand('copy')
+        document.body.removeChild(element)
+        return true
+      } catch {}
+    }
+
+    return false
+  }
+
+  async function handleCopy(value: string) {
+    if (await copyText(value)) {
+      setCopiedValue(value)
+      setToastState({ visible: true, message: copy().copiedToast, type: 'success' })
+      setTimeout(() => {
+        if (copiedValue() === value) {
+          setCopiedValue(null)
+        }
+      }, 1400)
+    }
+  }

  function dueStatusBadge() {
    const data = dashboard()
@@ -24,6 +98,168 @@ export default function HomeRoute() {
    return { label: copy().homeDueTitle, variant: 'danger' as const }
  }

+  function paymentWindowStatus(input: {
+    period: string
+    timezone: string
+    reminderDay: number
+    dueDay: number
+    todayOverride?: ReturnType<typeof parseCalendarDate>
+  }): { active: boolean; daysUntilDue: number | null } {
+    if (!Number.isInteger(input.reminderDay) || !Number.isInteger(input.dueDay)) {
+      return { active: false, daysUntilDue: null }
+    }
+
+    const start = compareTodayToPeriodDay(
+      input.period,
+      input.reminderDay,
+      input.timezone,
+      input.todayOverride
+    )
+    const end = compareTodayToPeriodDay(
+      input.period,
+      input.dueDay,
+      input.timezone,
+      input.todayOverride
+    )
+    if (start === null || end === null) {
+      return { active: false, daysUntilDue: null }
+    }
+
+    const reminderPassed = start !== -1
+    const dueNotPassed = end !== 1
+    const daysUntilDue = daysUntilPeriodDay(
+      input.period,
+      input.dueDay,
+      input.timezone,
+      input.todayOverride
+    )
+
+    return {
+      active: reminderPassed && dueNotPassed,
+      daysUntilDue
+    }
+  }
+
+  const todayOverride = createMemo(() => {
+    const raw = testingTodayOverride()
+    if (!raw) return null
+    return parseCalendarDate(raw)
+  })
+
+  const effectivePeriod = createMemo(() => {
+    const data = dashboard()
+    if (!data) return null
+    const override = testingPeriodOverride()
+    if (!override) return data.period
+    const match = /^(\d{4})-(\d{2})$/.exec(override)
+    if (!match) return data.period
+    const month = Number.parseInt(match[2] ?? '', 10)
+    if (!Number.isInteger(month) || month < 1 || month > 12) return data.period
+    return override
+  })
+
+  const homeMode = createMemo(() => {
+    const data = dashboard()
+    if (!data) return 'none' as const
+    const period = effectivePeriod() ?? data.period
+    const today = todayOverride()
+
+    const utilities = paymentWindowStatus({
+      period,
+      timezone: data.timezone,
+      reminderDay: data.utilitiesReminderDay,
+      dueDay: data.utilitiesDueDay,
+      todayOverride: today
+    })
+    const rent = paymentWindowStatus({
+      period,
+      timezone: data.timezone,
+      reminderDay: data.rentWarningDay,
+      dueDay: data.rentDueDay,
+      todayOverride: today
+    })
+
+    if (utilities.active && rent.active) {
+      const utilitiesDays = utilities.daysUntilDue ?? Number.POSITIVE_INFINITY
+      const rentDays = rent.daysUntilDue ?? Number.POSITIVE_INFINITY
+      return utilitiesDays <= rentDays ? ('utilities' as const) : ('rent' as const)
+    }
+
+    if (utilities.active) return 'utilities' as const
+    if (rent.active) return 'rent' as const
+    return 'none' as const
+  })
+
+  async function handleSubmitUtilities() {
+    const data = initData()
+    const current = dashboard()
+    const draft = utilityDraft()
+    if (!data || !current || submittingUtilities()) return
+    if (!draft.billName.trim() || !draft.amountMajor.trim()) return
+
+    setSubmittingUtilities(true)
+    try {
+      await submitMiniAppUtilityBill(data, {
+        billName: draft.billName,
+        amountMajor: draft.amountMajor,
+        currency: draft.currency
+      })
+      setUtilityDraft({
+        billName: '',
+        amountMajor: '',
+        currency: current.currency
+      })
+      await refreshHouseholdData(true, true)
+    } finally {
+      setSubmittingUtilities(false)
+    }
+  }
+
+  function openQuickPayment(type: 'rent' | 'utilities') {
+    const data = dashboard()
+    if (!data || !currentMemberLine()) return
+
+    const member = currentMemberLine()!
+    const amount = type === 'rent' ? member.rentShareMajor : member.utilityShareMajor
+
+    setQuickPaymentType(type)
+    setQuickPaymentAmount(amount)
+    setQuickPaymentOpen(true)
+  }
+
+  async function handleQuickPaymentSubmit() {
+    const data = initData()
+    const amount = quickPaymentAmount()
+    const type = quickPaymentType()
+
+    if (!data || !amount.trim() || !currentMemberLine()) return
+
+    setSubmittingPayment(true)
+    try {
+      await addMiniAppPayment(data, {
+        memberId: currentMemberLine()!.memberId,
+        kind: type,
+        amountMajor: amount,
+        currency: (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL'
+      })
+      setQuickPaymentOpen(false)
+      setToastState({
+        visible: true,
+        message: copy().quickPaymentSuccess,
+        type: 'success'
+      })
+      await refreshHouseholdData(true, true)
+    } catch {
+      setToastState({
+        visible: true,
+        message: copy().quickPaymentFailed,
+        type: 'error'
+      })
+    } finally {
+      setSubmittingPayment(false)
+    }
+  }
+
  return (
    <div class="route route--home">
      {/* ── Welcome hero ────────────────────────────── */}
@@ -43,63 +279,517 @@ export default function HomeRoute() {
      >
        {(data) => (
          <>
-            {/* Your balance card */}
            <Show when={currentMemberLine()}>
              {(member) => {
-                const subtotalMinor =
-                  majorStringToMinor(member().rentShareMajor) +
-                  majorStringToMinor(member().utilityShareMajor)
-                const subtotalMajor = minorToMajorString(subtotalMinor)
+                const policy = () => data().paymentBalanceAdjustmentPolicy
+
+                const rentBaseMinor = () => majorStringToMinor(member().rentShareMajor)
+                const utilitiesBaseMinor = () => majorStringToMinor(member().utilityShareMajor)
+                const purchaseOffsetMinor = () => majorStringToMinor(member().purchaseOffsetMajor)
+
+                const rentProposalMinor = () =>
+                  policy() === 'rent' ? rentBaseMinor() + purchaseOffsetMinor() : rentBaseMinor()
+                const utilitiesProposalMinor = () =>
+                  policy() === 'utilities'
+                    ? utilitiesBaseMinor() + purchaseOffsetMinor()
+                    : utilitiesBaseMinor()
+
+                const mode = () => homeMode()
+                const currency = () => data().currency
+                const timezone = () => data().timezone
+                const period = () => effectivePeriod() ?? data().period
+                const today = () => todayOverride()
+
+                function upcomingDay(day: number): { dateLabel: string; daysUntil: number | null } {
+                  const withinPeriodDays = daysUntilPeriodDay(period(), day, timezone(), today())
+                  if (withinPeriodDays === null) {
+                    return { dateLabel: '—', daysUntil: null }
+                  }
+
+                  if (withinPeriodDays >= 0) {
+                    return {
+                      dateLabel: formatPeriodDay(period(), day, locale()),
+                      daysUntil: withinPeriodDays
+                    }
+                  }
+
+                  const next = nextCyclePeriod(period())
+                  if (!next) {
+                    return { dateLabel: formatPeriodDay(period(), day, locale()), daysUntil: null }
+                  }
+
+                  return {
+                    dateLabel: formatPeriodDay(next, day, locale()),
+                    daysUntil: daysUntilPeriodDay(next, day, timezone(), today())
+                  }
+                }
+
+                const rentDueDate = () => formatPeriodDay(period(), data().rentDueDay, locale())
+                const utilitiesDueDate = () =>
+                  formatPeriodDay(period(), data().utilitiesDueDay, locale())
+
+                const rentDaysUntilDue = () =>
+                  daysUntilPeriodDay(period(), data().rentDueDay, timezone(), today())
+                const utilitiesDaysUntilDue = () =>
+                  daysUntilPeriodDay(period(), data().utilitiesDueDay, timezone(), today())
+
+                const rentUpcoming = () => upcomingDay(data().rentWarningDay)
+                const utilitiesUpcoming = () => upcomingDay(data().utilitiesReminderDay)
+
+                const focusBadge = () => {
+                  const badge = dueStatusBadge()
+                  return badge ? <Badge variant={badge.variant}>{badge.label}</Badge> : null
+                }
+
+                const dueBadge = (days: number | null) => {
+                  if (days === null) return null
+                  if (days < 0) return <Badge variant="danger">{copy().overdueLabel}</Badge>
+                  if (days === 0) return <Badge variant="danger">{copy().dueTodayLabel}</Badge>
+                  return (
+                    <Badge variant="muted">
+                      {copy().daysLeftLabel.replace('{count}', String(days))}
+                    </Badge>
+                  )
+                }

                return (
-                  <Card accent>
-                    <div class="balance-card">
-                      <div class="balance-card__header">
-                        <span class="balance-card__label">{copy().yourBalanceTitle}</span>
-                        <Show when={dueStatusBadge()}>
-                          {(badge) => <Badge variant={badge().variant}>{badge().label}</Badge>}
-                        </Show>
+                  <>
+                    <Show when={mode() === 'utilities'}>
+                      <Card accent>
+                        <div class="balance-card">
+                          <div class="balance-card__header">
+                            <span class="balance-card__label">{copy().homeUtilitiesTitle}</span>
+                            <div style={{ display: 'flex', gap: '8px', 'align-items': 'center' }}>
+                              {focusBadge()}
+                              <Button
+                                variant="primary"
+                                size="sm"
+                                onClick={() => openQuickPayment('utilities')}
+                              >
+                                <CreditCard size={14} />
+                                {copy().quickPaymentSubmitAction}
+                              </Button>
+                            </div>
+                          </div>
+                          <div class="balance-card__amounts">
+                            <div class="balance-card__row balance-card__row--subtotal">
+                              <span>{copy().finalDue}</span>
+                              <strong>
+                                {minorToMajorString(utilitiesProposalMinor())} {currency()}
+                              </strong>
+                            </div>
+                            <div class="balance-card__row">
+                              <span>{copy().dueOnLabel.replace('{date}', utilitiesDueDate())}</span>
+                              {dueBadge(utilitiesDaysUntilDue())}
+                            </div>
+                            <div class="balance-card__row">
+                              <span>{copy().baseDue}</span>
+                              <strong>
+                                {member().utilityShareMajor} {currency()}
+                              </strong>
+                            </div>
+                            <Show when={policy() === 'utilities'}>
+                              <div class="balance-card__row">
+                                <span>{copy().balanceAdjustmentLabel}</span>
+                                <strong>
+                                  {member().purchaseOffsetMajor} {currency()}
+                                </strong>
+                              </div>
+                            </Show>
+                            <Show when={utilityLedger().length > 0}>
+                              <div class="balance-card__row balance-card__row--subtotal">
+                                <span>{copy().homeUtilitiesBillsTitle}</span>
+                                <strong>
+                                  {utilityTotalMajor()} {currency()}
+                                </strong>
+                              </div>
+                              <For each={utilityLedger()}>
+                                {(entry) => (
+                                  <div class="balance-card__row">
+                                    <span>{entry.title}</span>
+                                    <strong>{ledgerPrimaryAmount(entry)}</strong>
+                                  </div>
+                                )}
+                              </For>
+                            </Show>
+                          </div>
+                        </div>
+                      </Card>
+                    </Show>
+
+                    <Show when={mode() === 'rent'}>
+                      <Card accent>
+                        <div class="balance-card">
+                          <div class="balance-card__header">
+                            <span class="balance-card__label">{copy().homeRentTitle}</span>
+                            <div style={{ display: 'flex', gap: '8px', 'align-items': 'center' }}>
+                              {focusBadge()}
+                              <Button
+                                variant="primary"
+                                size="sm"
+                                onClick={() => openQuickPayment('rent')}
+                              >
+                                <CreditCard size={14} />
+                                {copy().quickPaymentSubmitAction}
+                              </Button>
+                            </div>
+                          </div>
+                          <div class="balance-card__amounts">
+                            <div class="balance-card__row balance-card__row--subtotal">
+                              <span>{copy().finalDue}</span>
+                              <strong>
+                                {minorToMajorString(rentProposalMinor())} {currency()}
+                              </strong>
+                            </div>
+                            <div class="balance-card__row">
+                              <span>{copy().dueOnLabel.replace('{date}', rentDueDate())}</span>
+                              {dueBadge(rentDaysUntilDue())}
+                            </div>
+                            <div class="balance-card__row">
+                              <span>{copy().baseDue}</span>
+                              <strong>
+                                {member().rentShareMajor} {currency()}
+                              </strong>
+                            </div>
+                            <Show when={policy() === 'rent'}>
+                              <div class="balance-card__row">
+                                <span>{copy().balanceAdjustmentLabel}</span>
+                                <strong>
+                                  {member().purchaseOffsetMajor} {currency()}
+                                </strong>
+                              </div>
+                            </Show>
+                          </div>
+                        </div>
+                      </Card>
+                    </Show>
+
+                    <Show when={mode() === 'none'}>
+                      <Card muted>
+                        <div class="balance-card">
+                          <div class="balance-card__header">
+                            <span class="balance-card__label">{copy().homeNoPaymentTitle}</span>
+                          </div>
+                          <div class="balance-card__amounts">
+                            <div class="balance-card__row">
+                              <span>
+                                {copy().homeUtilitiesUpcomingLabel.replace(
+                                  '{date}',
+                                  utilitiesUpcoming().dateLabel
+                                )}
+                              </span>
+                              <strong>
+                                {utilitiesUpcoming().daysUntil !== null
+                                  ? copy().daysLeftLabel.replace(
+                                      '{count}',
+                                      String(utilitiesUpcoming().daysUntil)
+                                    )
+                                  : '—'}
+                              </strong>
+                            </div>
+                            <div class="balance-card__row">
+                              <span>
+                                {copy().homeRentUpcomingLabel.replace(
+                                  '{date}',
+                                  rentUpcoming().dateLabel
+                                )}
+                              </span>
+                              <strong>
+                                {rentUpcoming().daysUntil !== null
+                                  ? copy().daysLeftLabel.replace(
+                                      '{count}',
+                                      String(rentUpcoming().daysUntil)
+                                    )
+                                  : '—'}
+                              </strong>
+                            </div>
+                          </div>
+                        </div>
+                      </Card>
+                    </Show>
+
+                    <Show when={mode() === 'utilities' && utilityLedger().length === 0}>
+                      <Card>
+                        <div class="balance-card">
+                          <div class="balance-card__header">
+                            <span class="balance-card__label">{copy().homeFillUtilitiesTitle}</span>
+                          </div>
+                          <p class="empty-state">{copy().homeFillUtilitiesBody}</p>
+                          <div class="editor-grid">
+                            <Field label={copy().utilityCategoryLabel} wide>
+                              <Input
+                                value={utilityDraft().billName}
+                                onInput={(e) =>
+                                  setUtilityDraft((d) => ({
+                                    ...d,
+                                    billName: e.currentTarget.value
+                                  }))
+                                }
+                              />
+                            </Field>
+                            <Field label={copy().utilityAmount} wide>
+                              <Input
+                                type="number"
+                                value={utilityDraft().amountMajor}
+                                onInput={(e) =>
+                                  setUtilityDraft((d) => ({
+                                    ...d,
+                                    amountMajor: e.currentTarget.value
+                                  }))
+                                }
+                              />
+                            </Field>
+                            <div style={{ display: 'flex', gap: '10px' }}>
+                              <Button
+                                variant="primary"
+                                loading={submittingUtilities()}
+                                disabled={
+                                  !utilityDraft().billName.trim() ||
+                                  !utilityDraft().amountMajor.trim()
+                                }
+                                onClick={() => void handleSubmitUtilities()}
+                              >
+                                {submittingUtilities()
+                                  ? copy().homeFillUtilitiesSubmitting
+                                  : copy().homeFillUtilitiesSubmitAction}
+                              </Button>
+                              <Button variant="ghost" onClick={() => navigate('/ledger')}>
+                                {copy().homeFillUtilitiesOpenLedgerAction}
+                              </Button>
+                            </div>
+                          </div>
+                        </div>
+                      </Card>
+                    </Show>
+
+                    <Show when={mode() === 'rent' && data().rentPaymentDestinations?.length}>
+                      <div style={{ display: 'grid', gap: '12px' }}>
+                        <For each={data().rentPaymentDestinations ?? []}>
+                          {(destination) => (
+                            <Card>
+                              <div class="balance-card">
+                                <div class="balance-card__header">
+                                  <span class="balance-card__label">{destination.label}</span>
+                                </div>
+                                <div class="balance-card__amounts">
+                                  <Show when={destination.recipientName}>
+                                    {(value) => (
+                                      <div class="balance-card__row">
+                                        <span>{copy().rentPaymentDestinationRecipient}</span>
+                                        <strong>
+                                          <button
+                                            class="copyable-detail"
+                                            classList={{ 'is-copied': copiedValue() === value() }}
+                                            type="button"
+                                            onClick={() => void handleCopy(value())}
+                                          >
+                                            <span>{value()}</span>
+                                            {copiedValue() === value() ? (
+                                              <Check size={14} />
+                                            ) : (
+                                              <Copy size={14} />
+                                            )}
+                                          </button>
+                                        </strong>
+                                      </div>
+                                    )}
+                                  </Show>
+                                  <Show when={destination.bankName}>
+                                    {(value) => (
+                                      <div class="balance-card__row">
+                                        <span>{copy().rentPaymentDestinationBank}</span>
+                                        <strong>
+                                          <button
+                                            class="copyable-detail"
+                                            classList={{ 'is-copied': copiedValue() === value() }}
+                                            type="button"
+                                            onClick={() => void handleCopy(value())}
+                                          >
+                                            <span>{value()}</span>
+                                            {copiedValue() === value() ? (
+                                              <Check size={14} />
+                                            ) : (
+                                              <Copy size={14} />
+                                            )}
+                                          </button>
+                                        </strong>
+                                      </div>
+                                    )}
+                                  </Show>
+                                  <div class="balance-card__row">
+                                    <span>{copy().rentPaymentDestinationAccount}</span>
+                                    <strong>
+                                      <button
+                                        class="copyable-detail"
+                                        classList={{
+                                          'is-copied': copiedValue() === destination.account
+                                        }}
+                                        type="button"
+                                        onClick={() => void handleCopy(destination.account)}
+                                      >
+                                        <span>{destination.account}</span>
+                                        {copiedValue() === destination.account ? (
+                                          <Check size={14} />
+                                        ) : (
+                                          <Copy size={14} />
+                                        )}
+                                      </button>
+                                    </strong>
+                                  </div>
+                                  <Show when={destination.link}>
+                                    {(value) => (
+                                      <div class="balance-card__row">
+                                        <span>{copy().rentPaymentDestinationLink}</span>
+                                        <strong>
+                                          <button
+                                            class="copyable-detail"
+                                            classList={{ 'is-copied': copiedValue() === value() }}
+                                            type="button"
+                                            onClick={() => void handleCopy(value())}
+                                          >
+                                            <span>{value()}</span>
+                                            {copiedValue() === value() ? (
+                                              <Check size={14} />
+                                            ) : (
+                                              <Copy size={14} />
+                                            )}
+                                          </button>
+                                        </strong>
+                                      </div>
+                                    )}
+                                  </Show>
+                                  <Show when={destination.note}>
+                                    {(value) => (
+                                      <div class="balance-card__row">
+                                        <span>{copy().rentPaymentDestinationNote}</span>
+                                        <strong>
+                                          <button
+                                            class="copyable-detail"
+                                            classList={{ 'is-copied': copiedValue() === value() }}
+                                            type="button"
+                                            onClick={() => void handleCopy(value())}
+                                          >
+                                            <span>{value()}</span>
+                                            {copiedValue() === value() ? (
+                                              <Check size={14} />
+                                            ) : (
+                                              <Copy size={14} />
+                                            )}
+                                          </button>
+                                        </strong>
+                                      </div>
+                                    )}
+                                  </Show>
+                                </div>
+                              </div>
+                            </Card>
+                          )}
+                        </For>
                      </div>
-                      <div class="balance-card__amounts">
-                        <div class="balance-card__row">
-                          <span>{copy().shareRent}</span>
-                          <strong>
-                            {member().rentShareMajor} {data().currency}
-                          </strong>
-                        </div>
-                        <div class="balance-card__row">
-                          <span>{copy().shareUtilities}</span>
-                          <strong>
-                            {member().utilityShareMajor} {data().currency}
-                          </strong>
-                        </div>
-                        <div class="balance-card__row balance-card__row--subtotal">
-                          <span>{copy().totalDueLabel}</span>
-                          <strong>
-                            {subtotalMajor} {data().currency}
-                          </strong>
-                        </div>
-                        <div class="balance-card__row">
-                          <span>{copy().balanceAdjustmentLabel}</span>
-                          <strong>
-                            {member().purchaseOffsetMajor} {data().currency}
-                          </strong>
-                        </div>
-                        <div
-                          class={`balance-card__row balance-card__remaining ${memberRemainingClass(member())}`}
-                        >
-                          <span>{copy().remainingLabel}</span>
-                          <strong>
-                            {member().remainingMajor} {data().currency}
-                          </strong>
-                        </div>
-                      </div>
-                    </div>
-                  </Card>
+                    </Show>
+                  </>
                )
              }}
            </Show>

+            {/* Your balance card */}
+            <Show when={currentMemberLine()}>
+              {(member) => (
+                <>
+                  <Show when={homeMode() !== 'none'}>
+                    {(() => {
+                      const subtotalMinor =
+                        majorStringToMinor(member().rentShareMajor) +
+                        majorStringToMinor(member().utilityShareMajor)
+                      const subtotalMajor = minorToMajorString(subtotalMinor)
+
+                      return (
+                        <Card>
+                          <div class="balance-card">
+                            <div class="balance-card__header">
+                              <span class="balance-card__label">{copy().yourBalanceTitle}</span>
+                              <Show when={dueStatusBadge()}>
+                                {(badge) => (
+                                  <Badge variant={badge().variant}>{badge().label}</Badge>
+                                )}
+                              </Show>
+                            </div>
+                            <div class="balance-card__amounts">
+                              <div class="balance-card__row">
+                                <span>{copy().shareRent}</span>
+                                <strong>
+                                  {member().rentShareMajor} {data().currency}
+                                </strong>
+                              </div>
+                              <div class="balance-card__row">
+                                <span>{copy().shareUtilities}</span>
+                                <strong>
+                                  {member().utilityShareMajor} {data().currency}
+                                </strong>
+                              </div>
+                              <div class="balance-card__row balance-card__row--subtotal">
+                                <span>{copy().totalDueLabel}</span>
+                                <strong>
+                                  {subtotalMajor} {data().currency}
+                                </strong>
+                              </div>
+                              <div class="balance-card__row">
+                                <span>{copy().balanceAdjustmentLabel}</span>
+                                <strong>
+                                  {member().purchaseOffsetMajor} {data().currency}
+                                </strong>
+                              </div>
+                              <div
+                                class={`balance-card__row balance-card__remaining ${memberRemainingClass(member())}`}
+                              >
+                                <span>{copy().remainingLabel}</span>
+                                <strong>
+                                  {member().remainingMajor} {data().currency}
+                                </strong>
+                              </div>
+                            </div>
+                          </div>
+                        </Card>
+                      )
+                    })()}
+                  </Show>
+
+                  <Show when={homeMode() === 'none'}>
+                    <Card>
+                      <div class="balance-card">
+                        <div class="balance-card__header">
+                          <span class="balance-card__label">{copy().homePurchasesTitle}</span>
+                        </div>
+                        <div class="balance-card__amounts">
+                          <div class="balance-card__row balance-card__row--subtotal">
+                            <span>{copy().homePurchasesOffsetLabel}</span>
+                            <strong>
+                              {member().purchaseOffsetMajor} {data().currency}
+                            </strong>
+                          </div>
+                          <div class="balance-card__row">
+                            <span>
+                              {copy().homePurchasesTotalLabel.replace(
+                                '{count}',
+                                String(purchaseLedger().length)
+                              )}
+                            </span>
+                            <strong>
+                              {purchaseTotalMajor()} {data().currency}
+                            </strong>
+                          </div>
+                          <div class="balance-card__row">
+                            <span>{copy().homeMembersCountLabel}</span>
+                            <strong>{data().members.length}</strong>
+                          </div>
+                        </div>
+                      </div>
+                    </Card>
+                  </Show>
+                </>
+              )}
+            </Show>
+
            {/* Rent FX card */}
            <Show when={data().rentSourceCurrency !== data().currency}>
              <Card muted>
@@ -173,6 +863,55 @@ export default function HomeRoute() {
          </>
        )}
      </Show>
+
+      {/* Quick Payment Modal */}
+      <Modal
+        open={quickPaymentOpen()}
+        title={copy().quickPaymentTitle}
+        description={copy().quickPaymentBody.replace(
+          '{type}',
+          quickPaymentType() === 'rent' ? copy().shareRent : copy().shareUtilities
+        )}
+        closeLabel={copy().showLessAction}
+        onClose={() => setQuickPaymentOpen(false)}
+        footer={
+          <>
+            <Button variant="ghost" onClick={() => setQuickPaymentOpen(false)}>
+              {copy().showLessAction}
+            </Button>
+            <Button
+              variant="primary"
+              loading={submittingPayment()}
+              disabled={!quickPaymentAmount().trim()}
+              onClick={() => void handleQuickPaymentSubmit()}
+            >
+              {submittingPayment()
+                ? copy().quickPaymentSubmitting
+                : copy().quickPaymentSubmitAction}
+            </Button>
+          </>
+        }
+      >
+        <div style={{ display: 'grid', gap: '12px' }}>
+          <Field label={copy().quickPaymentAmountLabel}>
+            <Input
+              type="number"
+              value={quickPaymentAmount()}
+              onInput={(e) => setQuickPaymentAmount(e.currentTarget.value)}
+              placeholder="0.00"
+            />
+          </Field>
+          <Field label={copy().quickPaymentCurrencyLabel}>
+            <Input type="text" value={(dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL'} disabled />
+          </Field>
+        </div>
+      </Modal>
+
+      {/* Toast Notifications */}
+      <Toast
+        state={toastState()}
+        onClose={() => setToastState({ ...toastState(), visible: false })}
+      />
    </div>
  )
 }
--- a/apps/miniapp/src/routes/settings.tsx
+++ b/apps/miniapp/src/routes/settings.tsx
@@ -65,10 +65,34 @@ export default function SettingsRoute() {
    utilitiesDueDay: adminSettings()?.settings.utilitiesDueDay ?? 4,
    utilitiesReminderDay: adminSettings()?.settings.utilitiesReminderDay ?? 3,
    timezone: adminSettings()?.settings.timezone ?? 'Asia/Tbilisi',
+    rentPaymentDestinations: [...(adminSettings()?.settings.rentPaymentDestinations ?? [])],
    assistantContext: adminSettings()?.assistantConfig?.assistantContext ?? '',
    assistantTone: adminSettings()?.assistantConfig?.assistantTone ?? ''
  })

+  function openBillingEditor() {
+    const settings = adminSettings()
+    if (settings) {
+      setBillingForm({
+        householdName: settings.householdName ?? '',
+        settlementCurrency: settings.settings.settlementCurrency ?? 'GEL',
+        paymentBalanceAdjustmentPolicy:
+          settings.settings.paymentBalanceAdjustmentPolicy ?? 'utilities',
+        rentAmountMajor: minorToMajorString(BigInt(settings.settings.rentAmountMinor ?? '0')),
+        rentCurrency: settings.settings.rentCurrency ?? 'USD',
+        rentDueDay: settings.settings.rentDueDay ?? 20,
+        rentWarningDay: settings.settings.rentWarningDay ?? 17,
+        utilitiesDueDay: settings.settings.utilitiesDueDay ?? 4,
+        utilitiesReminderDay: settings.settings.utilitiesReminderDay ?? 3,
+        timezone: settings.settings.timezone ?? 'Asia/Tbilisi',
+        rentPaymentDestinations: [...(settings.settings.rentPaymentDestinations ?? [])],
+        assistantContext: settings.assistantConfig?.assistantContext ?? '',
+        assistantTone: settings.assistantConfig?.assistantTone ?? ''
+      })
+    }
+    setBillingEditorOpen(true)
+  }
+
  // ── Pending members ──────────────────────────────
  const [approvingId, setApprovingId] = createSignal<string | null>(null)
  const [rejectingId, setRejectingId] = createSignal<string | null>(null)
@@ -267,7 +291,7 @@ export default function SettingsRoute() {
                    <span>{copy().timezone}</span>
                    <Badge variant="muted">{settings().settings.timezone}</Badge>
                  </div>
-                  <Button variant="secondary" onClick={() => setBillingEditorOpen(true)}>
+                  <Button variant="secondary" onClick={openBillingEditor}>
                    {copy().manageSettingsAction}
                  </Button>
                </div>
@@ -477,12 +501,236 @@ export default function SettingsRoute() {
              }
            />
          </Field>
+          <Field label={copy().rentCurrencyLabel}>
+            <Select
+              value={billingForm().rentCurrency}
+              ariaLabel={copy().rentCurrencyLabel}
+              options={[
+                { value: 'USD', label: 'USD' },
+                { value: 'GEL', label: 'GEL' }
+              ]}
+              onChange={(value) =>
+                setBillingForm((f) => ({ ...f, rentCurrency: value as 'USD' | 'GEL' }))
+              }
+            />
+          </Field>
+          <Field label={copy().paymentBalanceAdjustmentPolicy}>
+            <Select
+              value={billingForm().paymentBalanceAdjustmentPolicy}
+              ariaLabel={copy().paymentBalanceAdjustmentPolicy}
+              options={[
+                { value: 'utilities', label: copy().paymentBalanceAdjustmentUtilities },
+                { value: 'rent', label: copy().paymentBalanceAdjustmentRent },
+                { value: 'separate', label: copy().paymentBalanceAdjustmentSeparate }
+              ]}
+              onChange={(value) =>
+                setBillingForm((f) => ({
+                  ...f,
+                  paymentBalanceAdjustmentPolicy: value as 'utilities' | 'rent' | 'separate'
+                }))
+              }
+            />
+          </Field>
+          <Field label={copy().rentWarningDay}>
+            <Input
+              type="number"
+              value={String(billingForm().rentWarningDay)}
+              onInput={(e) =>
+                setBillingForm((f) => ({
+                  ...f,
+                  rentWarningDay: Number(e.currentTarget.value) || 0
+                }))
+              }
+            />
+          </Field>
+          <Field label={copy().rentDueDay}>
+            <Input
+              type="number"
+              value={String(billingForm().rentDueDay)}
+              onInput={(e) =>
+                setBillingForm((f) => ({ ...f, rentDueDay: Number(e.currentTarget.value) || 0 }))
+              }
+            />
+          </Field>
+          <Field label={copy().utilitiesReminderDay}>
+            <Input
+              type="number"
+              value={String(billingForm().utilitiesReminderDay)}
+              onInput={(e) =>
+                setBillingForm((f) => ({
+                  ...f,
+                  utilitiesReminderDay: Number(e.currentTarget.value) || 0
+                }))
+              }
+            />
+          </Field>
+          <Field label={copy().utilitiesDueDay}>
+            <Input
+              type="number"
+              value={String(billingForm().utilitiesDueDay)}
+              onInput={(e) =>
+                setBillingForm((f) => ({
+                  ...f,
+                  utilitiesDueDay: Number(e.currentTarget.value) || 0
+                }))
+              }
+            />
+          </Field>
          <Field label={copy().timezone} hint={copy().timezoneHint}>
            <Input
              value={billingForm().timezone}
              onInput={(e) => setBillingForm((f) => ({ ...f, timezone: e.currentTarget.value }))}
            />
          </Field>
+          <Field label={copy().rentPaymentDestinationsTitle} wide>
+            <div style={{ display: 'grid', gap: '12px' }}>
+              <Show
+                when={billingForm().rentPaymentDestinations.length > 0}
+                fallback={<p class="empty-state">{copy().rentPaymentDestinationsEmpty}</p>}
+              >
+                <div style={{ display: 'grid', gap: '12px' }}>
+                  <For each={billingForm().rentPaymentDestinations}>
+                    {(destination, index) => (
+                      <Card muted wide>
+                        <div class="editor-grid">
+                          <Field label={copy().rentPaymentDestinationLabel} wide>
+                            <Input
+                              value={destination.label}
+                              onInput={(e) =>
+                                setBillingForm((f) => {
+                                  const next = [...f.rentPaymentDestinations]
+                                  next[index()] = {
+                                    ...next[index()]!,
+                                    label: e.currentTarget.value
+                                  }
+                                  return { ...f, rentPaymentDestinations: next }
+                                })
+                              }
+                            />
+                          </Field>
+                          <Field label={copy().rentPaymentDestinationRecipient} wide>
+                            <Input
+                              value={destination.recipientName ?? ''}
+                              onInput={(e) =>
+                                setBillingForm((f) => {
+                                  const next = [...f.rentPaymentDestinations]
+                                  next[index()] = {
+                                    ...next[index()]!,
+                                    recipientName: e.currentTarget.value || null
+                                  }
+                                  return { ...f, rentPaymentDestinations: next }
+                                })
+                              }
+                            />
+                          </Field>
+                          <Field label={copy().rentPaymentDestinationBank} wide>
+                            <Input
+                              value={destination.bankName ?? ''}
+                              onInput={(e) =>
+                                setBillingForm((f) => {
+                                  const next = [...f.rentPaymentDestinations]
+                                  next[index()] = {
+                                    ...next[index()]!,
+                                    bankName: e.currentTarget.value || null
+                                  }
+                                  return { ...f, rentPaymentDestinations: next }
+                                })
+                              }
+                            />
+                          </Field>
+                          <Field label={copy().rentPaymentDestinationAccount} wide>
+                            <Input
+                              value={destination.account}
+                              onInput={(e) =>
+                                setBillingForm((f) => {
+                                  const next = [...f.rentPaymentDestinations]
+                                  next[index()] = {
+                                    ...next[index()]!,
+                                    account: e.currentTarget.value
+                                  }
+                                  return { ...f, rentPaymentDestinations: next }
+                                })
+                              }
+                            />
+                          </Field>
+                          <Field label={copy().rentPaymentDestinationLink} wide>
+                            <Input
+                              value={destination.link ?? ''}
+                              onInput={(e) =>
+                                setBillingForm((f) => {
+                                  const next = [...f.rentPaymentDestinations]
+                                  next[index()] = {
+                                    ...next[index()]!,
+                                    link: e.currentTarget.value || null
+                                  }
+                                  return { ...f, rentPaymentDestinations: next }
+                                })
+                              }
+                            />
+                          </Field>
+                          <Field label={copy().rentPaymentDestinationNote} wide>
+                            <Textarea
+                              value={destination.note ?? ''}
+                              onInput={(e) =>
+                                setBillingForm((f) => {
+                                  const next = [...f.rentPaymentDestinations]
+                                  next[index()] = {
+                                    ...next[index()]!,
+                                    note: e.currentTarget.value || null
+                                  }
+                                  return { ...f, rentPaymentDestinations: next }
+                                })
+                              }
+                            />
+                          </Field>
+                          <div style={{ display: 'flex', 'justify-content': 'flex-end' }}>
+                            <Button
+                              variant="ghost"
+                              size="sm"
+                              onClick={() =>
+                                setBillingForm((f) => ({
+                                  ...f,
+                                  rentPaymentDestinations: f.rentPaymentDestinations.filter(
+                                    (_, idx) => idx !== index()
+                                  )
+                                }))
+                              }
+                            >
+                              {copy().rentPaymentDestinationRemoveAction}
+                            </Button>
+                          </div>
+                        </div>
+                      </Card>
+                    )}
+                  </For>
+                </div>
+              </Show>
+              <div>
+                <Button
+                  variant="secondary"
+                  size="sm"
+                  onClick={() =>
+                    setBillingForm((f) => ({
+                      ...f,
+                      rentPaymentDestinations: [
+                        ...f.rentPaymentDestinations,
+                        {
+                          label: '',
+                          recipientName: null,
+                          bankName: null,
+                          account: '',
+                          note: null,
+                          link: null
+                        }
+                      ]
+                    }))
+                  }
+                >
+                  {copy().rentPaymentDestinationAddAction}
+                </Button>
+              </div>
+            </div>
+          </Field>
          <Field label={copy().assistantToneLabel} hint={copy().assistantTonePlaceholder}>
            <Input
              value={billingForm().assistantTone}
--- a/apps/miniapp/src/theme.css
+++ b/apps/miniapp/src/theme.css
@@ -87,4 +87,10 @@
  --status-settled: #c2c2c2;
  --status-due: #ffb866;
  --status-overdue: #ff7676;
+  --status-danger: #ff7676;
+
+  /* ── Z-index scale ─────────────────────────────────── */
+  --z-toast: 9999;
+  --z-modal: 9000;
+  --z-dropdown: 1000;
 }
--- a/packages/adapters-db/src/household-config-repository.ts
+++ b/packages/adapters-db/src/household-config-repository.ts
@@ -22,6 +22,7 @@ import {
  type HouseholdMemberRecord,
  type HouseholdPaymentBalanceAdjustmentPolicy,
  type HouseholdPendingMemberRecord,
+  type HouseholdRentPaymentDestination,
  type HouseholdTelegramChatRecord,
  type HouseholdTopicBindingRecord,
  type HouseholdTopicRole,
@@ -218,6 +219,38 @@ function toCurrencyCode(raw: string): CurrencyCode {
  return normalized
 }

+function normalizeOptionalString(value: unknown): string | null {
+  if (typeof value !== 'string') return null
+  const trimmed = value.trim()
+  return trimmed.length > 0 ? trimmed : null
+}
+
+function parseRentPaymentDestinations(
+  value: unknown
+): readonly HouseholdRentPaymentDestination[] | null {
+  if (value === null || value === undefined) return null
+  if (!Array.isArray(value)) return null
+
+  return value
+    .map((entry): HouseholdRentPaymentDestination | null => {
+      if (!entry || typeof entry !== 'object') return null
+      const record = entry as Record<string, unknown>
+      const label = normalizeOptionalString(record.label) ?? ''
+      const account = normalizeOptionalString(record.account) ?? ''
+      if (!label || !account) return null
+
+      return {
+        label,
+        recipientName: normalizeOptionalString(record.recipientName),
+        bankName: normalizeOptionalString(record.bankName),
+        account,
+        note: normalizeOptionalString(record.note),
+        link: normalizeOptionalString(record.link)
+      }
+    })
+    .filter((entry): entry is HouseholdRentPaymentDestination => Boolean(entry))
+}
+
 function toHouseholdBillingSettingsRecord(row: {
  householdId: string
  settlementCurrency: string
@@ -229,6 +262,7 @@ function toHouseholdBillingSettingsRecord(row: {
  utilitiesDueDay: number
  utilitiesReminderDay: number
  timezone: string
+  rentPaymentDestinations: unknown
 }): HouseholdBillingSettingsRecord {
  return {
    householdId: row.householdId,
@@ -242,7 +276,8 @@ function toHouseholdBillingSettingsRecord(row: {
    rentWarningDay: row.rentWarningDay,
    utilitiesDueDay: row.utilitiesDueDay,
    utilitiesReminderDay: row.utilitiesReminderDay,
-    timezone: row.timezone
+    timezone: row.timezone,
+    rentPaymentDestinations: parseRentPaymentDestinations(row.rentPaymentDestinations)
  }
 }

@@ -956,7 +991,8 @@ export function createDbHouseholdConfigurationRepository(databaseUrl: string): {
          rentWarningDay: schema.householdBillingSettings.rentWarningDay,
          utilitiesDueDay: schema.householdBillingSettings.utilitiesDueDay,
          utilitiesReminderDay: schema.householdBillingSettings.utilitiesReminderDay,
-          timezone: schema.householdBillingSettings.timezone
+          timezone: schema.householdBillingSettings.timezone,
+          rentPaymentDestinations: schema.householdBillingSettings.rentPaymentDestinations
        })
        .from(schema.householdBillingSettings)
        .where(eq(schema.householdBillingSettings.householdId, householdId))
@@ -1040,6 +1076,11 @@ export function createDbHouseholdConfigurationRepository(databaseUrl: string): {
                timezone: input.timezone
              }
            : {}),
+          ...(input.rentPaymentDestinations !== undefined
+            ? {
+                rentPaymentDestinations: input.rentPaymentDestinations
+              }
+            : {}),
          updatedAt: instantToDate(nowInstant())
        })
        .where(eq(schema.householdBillingSettings.householdId, input.householdId))
@@ -1054,7 +1095,8 @@ export function createDbHouseholdConfigurationRepository(databaseUrl: string): {
          rentWarningDay: schema.householdBillingSettings.rentWarningDay,
          utilitiesDueDay: schema.householdBillingSettings.utilitiesDueDay,
          utilitiesReminderDay: schema.householdBillingSettings.utilitiesReminderDay,
-          timezone: schema.householdBillingSettings.timezone
+          timezone: schema.householdBillingSettings.timezone,
+          rentPaymentDestinations: schema.householdBillingSettings.rentPaymentDestinations
        })

      const row = rows[0]
--- a/packages/application/src/finance-command-service.test.ts
+++ b/packages/application/src/finance-command-service.test.ts
@@ -261,7 +261,8 @@ const householdConfigurationRepository: Pick<
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }
  },
  async listHouseholdMembers(householdId) {
--- a/packages/application/src/finance-command-service.ts
+++ b/packages/application/src/finance-command-service.ts
@@ -10,7 +10,8 @@ import type {
  HouseholdConfigurationRepository,
  HouseholdMemberAbsencePolicy,
  HouseholdMemberAbsencePolicyRecord,
-  HouseholdMemberRecord
+  HouseholdMemberRecord,
+  HouseholdRentPaymentDestination
 } from '@household/ports'
 import {
  BillingCycleId,
@@ -144,9 +145,12 @@ export interface FinanceDashboard {
  period: string
  currency: CurrencyCode
  timezone: string
+  rentWarningDay: number
  rentDueDay: number
+  utilitiesReminderDay: number
  utilitiesDueDay: number
  paymentBalanceAdjustmentPolicy: 'utilities' | 'rent' | 'separate'
+  rentPaymentDestinations: readonly HouseholdRentPaymentDestination[] | null
  totalDue: Money
  totalPaid: Money
  totalRemaining: Money
@@ -577,9 +581,12 @@ async function buildFinanceDashboard(
    period: cycle.period,
    currency: cycle.currency,
    timezone: settings.timezone,
+    rentWarningDay: settings.rentWarningDay,
    rentDueDay: settings.rentDueDay,
+    utilitiesReminderDay: settings.utilitiesReminderDay,
    utilitiesDueDay: settings.utilitiesDueDay,
    paymentBalanceAdjustmentPolicy: settings.paymentBalanceAdjustmentPolicy ?? 'utilities',
+    rentPaymentDestinations: settings.rentPaymentDestinations ?? null,
    totalDue: settlement.totalDue,
    totalPaid: paymentRecords.reduce(
      (sum, payment) => sum.add(Money.fromMinor(payment.amountMinor, payment.currency)),
--- a/packages/application/src/household-admin-service.test.ts
+++ b/packages/application/src/household-admin-service.test.ts
@@ -158,7 +158,8 @@ function createRepositoryStub() {
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
@@ -169,7 +170,8 @@ function createRepositoryStub() {
      rentWarningDay: input.rentWarningDay ?? 17,
      utilitiesDueDay: input.utilitiesDueDay ?? 4,
      utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-      timezone: input.timezone ?? 'Asia/Tbilisi'
+      timezone: input.timezone ?? 'Asia/Tbilisi',
+      rentPaymentDestinations: input.rentPaymentDestinations ?? null
    }),
    listHouseholdUtilityCategories: async () => [],
    upsertHouseholdUtilityCategory: async (input) => ({
--- a/packages/application/src/household-onboarding-service.test.ts
+++ b/packages/application/src/household-onboarding-service.test.ts
@@ -173,7 +173,8 @@ function createRepositoryStub() {
        rentWarningDay: 17,
        utilitiesDueDay: 4,
        utilitiesReminderDay: 3,
-        timezone: 'Asia/Tbilisi'
+        timezone: 'Asia/Tbilisi',
+        rentPaymentDestinations: null
      }
    },
    async updateHouseholdBillingSettings(input) {
@@ -186,7 +187,8 @@ function createRepositoryStub() {
        rentWarningDay: input.rentWarningDay ?? 17,
        utilitiesDueDay: input.utilitiesDueDay ?? 4,
        utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-        timezone: input.timezone ?? 'Asia/Tbilisi'
+        timezone: input.timezone ?? 'Asia/Tbilisi',
+        rentPaymentDestinations: input.rentPaymentDestinations ?? null
      }
    },
    async listHouseholdUtilityCategories() {
--- a/packages/application/src/household-setup-service.test.ts
+++ b/packages/application/src/household-setup-service.test.ts
@@ -270,7 +270,8 @@ function createRepositoryStub() {
        rentWarningDay: 17,
        utilitiesDueDay: 4,
        utilitiesReminderDay: 3,
-        timezone: 'Asia/Tbilisi'
+        timezone: 'Asia/Tbilisi',
+        rentPaymentDestinations: null
      }
    },
    async updateHouseholdBillingSettings(input) {
@@ -283,7 +284,8 @@ function createRepositoryStub() {
        rentWarningDay: input.rentWarningDay ?? 17,
        utilitiesDueDay: input.utilitiesDueDay ?? 4,
        utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-        timezone: input.timezone ?? 'Asia/Tbilisi'
+        timezone: input.timezone ?? 'Asia/Tbilisi',
+        rentPaymentDestinations: input.rentPaymentDestinations ?? null
      }
    },
    async listHouseholdUtilityCategories() {
--- a/packages/application/src/locale-preference-service.test.ts
+++ b/packages/application/src/locale-preference-service.test.ts
@@ -92,7 +92,8 @@ function createRepository(): HouseholdConfigurationRepository {
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
@@ -103,7 +104,8 @@ function createRepository(): HouseholdConfigurationRepository {
      rentWarningDay: input.rentWarningDay ?? 17,
      utilitiesDueDay: input.utilitiesDueDay ?? 4,
      utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-      timezone: input.timezone ?? 'Asia/Tbilisi'
+      timezone: input.timezone ?? 'Asia/Tbilisi',
+      rentPaymentDestinations: input.rentPaymentDestinations ?? null
    }),
    listHouseholdUtilityCategories: async () => [],
    upsertHouseholdUtilityCategory: async (input) => ({
--- a/packages/application/src/miniapp-admin-service.test.ts
+++ b/packages/application/src/miniapp-admin-service.test.ts
@@ -167,7 +167,8 @@ function repository(): HouseholdConfigurationRepository {
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
@@ -178,7 +179,8 @@ function repository(): HouseholdConfigurationRepository {
      rentWarningDay: input.rentWarningDay ?? 17,
      utilitiesDueDay: input.utilitiesDueDay ?? 4,
      utilitiesReminderDay: input.utilitiesReminderDay ?? 3,
-      timezone: input.timezone ?? 'Asia/Tbilisi'
+      timezone: input.timezone ?? 'Asia/Tbilisi',
+      rentPaymentDestinations: input.rentPaymentDestinations ?? null
    }),
    getHouseholdAssistantConfig: async (householdId) => ({
      householdId,
@@ -286,7 +288,8 @@ describe('createMiniAppAdminService', () => {
        rentWarningDay: 17,
        utilitiesDueDay: 4,
        utilitiesReminderDay: 3,
-        timezone: 'Asia/Tbilisi'
+        timezone: 'Asia/Tbilisi',
+        rentPaymentDestinations: null
      },
      assistantConfig: {
        householdId: 'household-1',
@@ -346,7 +349,8 @@ describe('createMiniAppAdminService', () => {
        rentWarningDay: 18,
        utilitiesDueDay: 5,
        utilitiesReminderDay: 4,
-        timezone: 'Asia/Tbilisi'
+        timezone: 'Asia/Tbilisi',
+        rentPaymentDestinations: null
      },
      assistantConfig: {
        householdId: 'household-1',
--- a/packages/application/src/miniapp-admin-service.ts
+++ b/packages/application/src/miniapp-admin-service.ts
@@ -7,6 +7,7 @@ import type {
  HouseholdMemberLifecycleStatus,
  HouseholdMemberRecord,
  HouseholdPendingMemberRecord,
+  HouseholdRentPaymentDestination,
  HouseholdTopicBindingRecord,
  HouseholdUtilityCategoryRecord
 } from '@household/ports'
@@ -25,6 +26,40 @@ function parseCurrency(raw: string): CurrencyCode {
  return normalized
 }

+function normalizeOptionalString(value: unknown): string | null {
+  if (typeof value !== 'string') return null
+  const trimmed = value.trim()
+  return trimmed.length > 0 ? trimmed : null
+}
+
+function normalizeRentPaymentDestinations(
+  value: unknown
+): readonly HouseholdRentPaymentDestination[] | null {
+  if (value === null) return null
+  if (!Array.isArray(value)) {
+    throw new Error('Invalid rent payment destinations')
+  }
+
+  return value
+    .map((entry): HouseholdRentPaymentDestination | null => {
+      if (!entry || typeof entry !== 'object') return null
+      const record = entry as Record<string, unknown>
+      const label = normalizeOptionalString(record.label)
+      const account = normalizeOptionalString(record.account)
+      if (!label || !account) return null
+
+      return {
+        label,
+        recipientName: normalizeOptionalString(record.recipientName),
+        bankName: normalizeOptionalString(record.bankName),
+        account,
+        note: normalizeOptionalString(record.note),
+        link: normalizeOptionalString(record.link)
+      }
+    })
+    .filter((entry): entry is HouseholdRentPaymentDestination => Boolean(entry))
+}
+
 export interface MiniAppAdminService {
  getSettings(input: { householdId: string; actorIsAdmin: boolean }): Promise<
    | {
@@ -55,6 +90,7 @@ export interface MiniAppAdminService {
    utilitiesDueDay: number
    utilitiesReminderDay: number
    timezone: string
+    rentPaymentDestinations?: unknown
    assistantContext?: string
    assistantTone?: string
  }): Promise<
@@ -402,6 +438,18 @@ export function createMiniAppAdminService(
        rentCurrency = parseCurrency(input.rentCurrency ?? 'USD')
      }

+      let rentPaymentDestinations: readonly HouseholdRentPaymentDestination[] | null | undefined
+      if (input.rentPaymentDestinations !== undefined) {
+        try {
+          rentPaymentDestinations = normalizeRentPaymentDestinations(input.rentPaymentDestinations)
+        } catch {
+          return {
+            status: 'rejected',
+            reason: 'invalid_settings'
+          }
+        }
+      }
+
      const shouldUpdateAssistantConfig =
        assistantContext !== undefined || assistantTone !== undefined

@@ -432,7 +480,12 @@ export function createMiniAppAdminService(
          rentWarningDay: input.rentWarningDay,
          utilitiesDueDay: input.utilitiesDueDay,
          utilitiesReminderDay: input.utilitiesReminderDay,
-          timezone
+          timezone,
+          ...(rentPaymentDestinations !== undefined
+            ? {
+                rentPaymentDestinations
+              }
+            : {})
        }),
        repository.updateHouseholdAssistantConfig && shouldUpdateAssistantConfig
          ? repository.updateHouseholdAssistantConfig({
--- a/packages/application/src/payment-confirmation-service.test.ts
+++ b/packages/application/src/payment-confirmation-service.test.ts
@@ -22,7 +22,8 @@ const settingsRepository: Pick<HouseholdConfigurationRepository, 'getHouseholdBi
      rentWarningDay: 17,
      utilitiesDueDay: 4,
      utilitiesReminderDay: 3,
-      timezone: 'Asia/Tbilisi'
+      timezone: 'Asia/Tbilisi',
+      rentPaymentDestinations: null
    }
  }
 }
@@ -113,9 +114,12 @@ describe('createPaymentConfirmationService', () => {
          period: '2026-03',
          currency: 'GEL',
          timezone: 'Asia/Tbilisi',
+          rentWarningDay: 17,
          rentDueDay: 20,
+          utilitiesReminderDay: 3,
          utilitiesDueDay: 4,
          paymentBalanceAdjustmentPolicy: 'utilities',
+          rentPaymentDestinations: null,
          totalDue: Money.fromMajor('1030', 'GEL'),
          totalPaid: Money.zero('GEL'),
          totalRemaining: Money.fromMajor('1030', 'GEL'),
@@ -179,9 +183,12 @@ describe('createPaymentConfirmationService', () => {
          period: '2026-03',
          currency: 'GEL',
          timezone: 'Asia/Tbilisi',
+          rentWarningDay: 17,
          rentDueDay: 20,
+          utilitiesReminderDay: 3,
          utilitiesDueDay: 4,
          paymentBalanceAdjustmentPolicy: 'utilities',
+          rentPaymentDestinations: null,
          totalDue: Money.fromMajor('1030', 'GEL'),
          totalPaid: Money.zero('GEL'),
          totalRemaining: Money.fromMajor('1030', 'GEL'),
--- a/packages/db/drizzle/0020_silver_payments.sql
+++ b/packages/db/drizzle/0020_silver_payments.sql
@@ -0,0 +1 @@
+ALTER TABLE "household_billing_settings" ADD COLUMN "rent_payment_destinations" jsonb;
--- a/packages/db/src/schema.ts
+++ b/packages/db/src/schema.ts
@@ -39,6 +39,7 @@ export const householdBillingSettings = pgTable(
    utilitiesDueDay: integer('utilities_due_day').default(4).notNull(),
    utilitiesReminderDay: integer('utilities_reminder_day').default(3).notNull(),
    timezone: text('timezone').default('Asia/Tbilisi').notNull(),
+    rentPaymentDestinations: jsonb('rent_payment_destinations'),
    createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull(),
    updatedAt: timestamp('updated_at', { withTimezone: true }).defaultNow().notNull()
  },
--- a/packages/ports/src/household-config.ts
+++ b/packages/ports/src/household-config.ts
@@ -73,6 +73,15 @@ export interface HouseholdMemberAbsencePolicyRecord {
  policy: HouseholdMemberAbsencePolicy
 }

+export interface HouseholdRentPaymentDestination {
+  label: string
+  recipientName: string | null
+  bankName: string | null
+  account: string
+  note: string | null
+  link: string | null
+}
+
 export interface HouseholdBillingSettingsRecord {
  householdId: string
  settlementCurrency: CurrencyCode
@@ -84,6 +93,7 @@ export interface HouseholdBillingSettingsRecord {
  utilitiesDueDay: number
  utilitiesReminderDay: number
  timezone: string
+  rentPaymentDestinations: readonly HouseholdRentPaymentDestination[] | null
 }

 export interface HouseholdAssistantConfigRecord {
@@ -184,6 +194,7 @@ export interface HouseholdConfigurationRepository {
    utilitiesDueDay?: number
    utilitiesReminderDay?: number
    timezone?: string
+    rentPaymentDestinations?: readonly HouseholdRentPaymentDestination[] | null
  }): Promise<HouseholdBillingSettingsRecord>
  updateHouseholdAssistantConfig?(input: {
    householdId: string
--- a/packages/ports/src/index.ts
+++ b/packages/ports/src/index.ts
@@ -20,6 +20,7 @@ export {
  type HouseholdMemberAbsencePolicy,
  type HouseholdMemberAbsencePolicyRecord,
  type HouseholdAssistantConfigRecord,
+  type HouseholdRentPaymentDestination,
  type HouseholdPaymentBalanceAdjustmentPolicy,
  type HouseholdConfigurationRepository,
  type HouseholdBillingSettingsRecord,
				`@@ -0,0 +1 @@`
				`ALTER TABLE "household_billing_settings" ADD COLUMN "rent_payment_destinations" jsonb;`