feat(bot): quiet finance topics and support purchase payers

apps/bot/src/dm-assistant.test.ts

@@ -1417,7 +1417,7 @@ Confirm or cancel below.`,
     })
   })
 
-  test('uses topic processor for classification and assistant for response', async () => {
+  test('does not hand finance-topic helper routing over to the generic assistant', async () => {
     const bot = createTestBot()
     const calls: Array<{ method: string; payload: unknown }> = []
     let assistantCalls = 0
@@ -1493,17 +1493,8 @@ Confirm or cancel below.`,
     await bot.handleUpdate(topicMentionUpdate('@household_test_bot how is life?') as never)
 
     expect(processorCalls).toBe(1)
-    expect(assistantCalls).toBe(1)
+    expect(assistantCalls).toBe(0)
-    expect(calls).toEqual(
+    expect(calls).toHaveLength(0)
-      expect.arrayContaining([
-        expect.objectContaining({
-          method: 'sendMessage',
-          payload: expect.objectContaining({
-            text: 'Still here.'
-          })
-        })
-      ])
-    )
   })
 
   test('stays silent for regular group chatter when the bot is not addressed', async () => {

apps/bot/src/dm-assistant.ts

@@ -1132,6 +1132,7 @@ export function registerDmAssistant(options: {
                 ? getBotTranslations(locale).purchase.proposal(
                     formatPurchaseSummary(locale, purchaseResult),
                     null,
+                    null,
                     null
                   )
                 : purchaseResult.status === 'clarification_needed'
@@ -1502,6 +1503,7 @@ export function registerDmAssistant(options: {
             const fallbackText = getBotTranslations(locale).purchase.proposal(
               formatPurchaseSummary(locale, purchaseResult),
               null,
+              null,
               null
             )
             const purchaseText = await composeAssistantReplyText({

apps/bot/src/household-setup.test.ts

@@ -875,8 +875,7 @@ describe('registerHouseholdSetupCommands', () => {
       }
     })
     expect(sendPayload.text).toContain('New household! **Kojori House** is ready.')
-    expect(sendPayload.text).toContain('Current setup progress: 0/5')
+    expect(sendPayload.text).toContain('Current setup progress: 0/4')
-    expect(sendPayload.text).toContain('0/5')
     expect(sendPayload.text).toContain('⚪ Purchases')
     expect(sendPayload.text).toContain('⚪ Payments')
     // Check that join household button exists

apps/bot/src/household-setup.ts

@@ -22,7 +22,6 @@ const APPROVE_MEMBER_CALLBACK_PREFIX = 'approve_member:'
 const SETUP_CREATE_TOPIC_CALLBACK_PREFIX = 'setup_topic:create:'
 
 const HOUSEHOLD_TOPIC_ROLE_ORDER: readonly HouseholdTopicRole[] = [
-  'chat',
   'purchase',
   'feedback',
   'reminders',
@@ -1104,7 +1103,7 @@ export function registerHouseholdSetupCommands(options: {
     )
 
     options.bot.callbackQuery(
-      /^bind_topic:(chat|purchase|feedback|reminders|payments):(\d+)$/,
+      /^bind_topic:(purchase|feedback|reminders|payments):(\d+)$/,
       async (ctx) => {
         const locale = await resolveReplyLocale({
           ctx,

apps/bot/src/i18n/locales/en.ts

@@ -276,8 +276,13 @@ export const enBotTranslations: BotTranslationCatalog = {
   purchase: {
     sharedPurchaseFallback: 'shared purchase',
     processing: 'Checking that purchase...',
-    proposal: (summary: string, calculationNote: string | null, participants: string | null) =>
+    proposal: (
-      `I think this shared purchase was: ${summary}.${calculationNote ? `\n${calculationNote}` : ''}${participants ? `\n\n${participants}` : ''}\nConfirm or cancel below.`,
+      summary: string,
+      payer: string | null,
+      calculationNote: string | null,
+      participants: string | null
+    ) =>
+      `I think this shared purchase was: ${summary}.${payer ? `\n${payer}` : ''}${calculationNote ? `\n${calculationNote}` : ''}${participants ? `\n\n${participants}` : ''}\nConfirm or cancel below.`,
     calculatedAmountNote: (explanation: string | null) =>
       explanation
         ? `I calculated the total as ${explanation}. Is that right?`
@@ -295,6 +300,12 @@ export const enBotTranslations: BotTranslationCatalog = {
     participantExcluded: (displayName) => `- ${displayName} (excluded)`,
     participantToggleIncluded: (displayName) => `✅ ${displayName}`,
     participantToggleExcluded: (displayName) => `⬜ ${displayName}`,
+    payerHeading: 'Paid by:',
+    payerSelected: (displayName) => `Paid by: ${displayName}`,
+    payerQuestion: 'Who actually bought this?',
+    payerFallbackQuestion: 'I could not tell who bought this. Pick the payer below.',
+    payerButton: (displayName) => `${displayName} paid`,
+    payerSelectedToast: (displayName) => `Set payer to ${displayName}.`,
     confirmButton: 'Confirm',
     calculatedConfirmButton: 'Looks right',
     calculatedFixAmountButton: 'Fix amount',

apps/bot/src/i18n/locales/ru.ts

@@ -280,8 +280,13 @@ export const ruBotTranslations: BotTranslationCatalog = {
   purchase: {
     sharedPurchaseFallback: 'общая покупка',
     processing: 'Проверяю покупку...',
-    proposal: (summary: string, calculationNote: string | null, participants: string | null) =>
+    proposal: (
-      `Похоже, это общая покупка: ${summary}.${calculationNote ? `\n${calculationNote}` : ''}${participants ? `\n\n${participants}` : ''}\nПодтвердите или отмените ниже.`,
+      summary: string,
+      payer: string | null,
+      calculationNote: string | null,
+      participants: string | null
+    ) =>
+      `Похоже, это общая покупка: ${summary}.${payer ? `\n${payer}` : ''}${calculationNote ? `\n${calculationNote}` : ''}${participants ? `\n\n${participants}` : ''}\nПодтвердите или отмените ниже.`,
     calculatedAmountNote: (explanation: string | null) =>
       explanation
         ? `Я посчитал итог как ${explanation}. Всё верно?`
@@ -299,6 +304,12 @@ export const ruBotTranslations: BotTranslationCatalog = {
     participantExcluded: (displayName) => `- ${displayName} (не участвует)`,
     participantToggleIncluded: (displayName) => `✅ ${displayName}`,
     participantToggleExcluded: (displayName) => `⬜ ${displayName}`,
+    payerHeading: 'Кто оплатил:',
+    payerSelected: (displayName) => `Оплатил: ${displayName}`,
+    payerQuestion: 'Кто именно это купил?',
+    payerFallbackQuestion: 'Не понял, кто именно это купил. Выберите человека ниже.',
+    payerButton: (displayName) => `Оплатил ${displayName}`,
+    payerSelectedToast: (displayName) => `Записал покупателя: ${displayName}.`,
     confirmButton: 'Подтвердить',
     calculatedConfirmButton: 'Верно',
     calculatedFixAmountButton: 'Исправить сумму',

apps/bot/src/i18n/types.ts

@@ -264,6 +264,7 @@ export interface BotTranslationCatalog {
     processing: string
     proposal: (
       summary: string,
+      payer: string | null,
       calculationNote: string | null,
       participants: string | null
     ) => string
@@ -279,6 +280,12 @@ export interface BotTranslationCatalog {
     participantExcluded: (displayName: string) => string
     participantToggleIncluded: (displayName: string) => string
     participantToggleExcluded: (displayName: string) => string
+    payerHeading: string
+    payerSelected: (displayName: string) => string
+    payerQuestion: string
+    payerFallbackQuestion: string
+    payerButton: (displayName: string) => string
+    payerSelectedToast: (displayName: string) => string
     confirmButton: string
     calculatedConfirmButton: string
     calculatedFixAmountButton: string

apps/bot/src/miniapp-dashboard.test.ts

@@ -15,10 +15,29 @@ import type {
 import { createMiniAppDashboardHandler } from './miniapp-dashboard'
 import { buildMiniAppInitData } from './telegram-miniapp-test-helpers'
 
+function expectedCurrentCyclePeriod(timezone: string, rentDueDay: number): string {
+  const parts = new Intl.DateTimeFormat('en-CA', {
+    timeZone: timezone,
+    year: 'numeric',
+    month: '2-digit',
+    day: '2-digit'
+  }).formatToParts(new Date())
+  const year = Number(parts.find((part) => part.type === 'year')?.value ?? '0')
+  const month = Number(parts.find((part) => part.type === 'month')?.value ?? '1')
+  const day = Number(parts.find((part) => part.type === 'day')?.value ?? '1')
+  const carryMonth = day > rentDueDay ? month + 1 : month
+  const normalizedYear = carryMonth > 12 ? year + 1 : year
+  const normalizedMonth = carryMonth > 12 ? 1 : carryMonth
+
+  return `${normalizedYear}-${String(normalizedMonth).padStart(2, '0')}`
+}
+
 function repository(
   member: Awaited<ReturnType<FinanceRepository['getMemberByTelegramUserId']>>
 ): FinanceRepository {
-  const cycle = {
+  let cycle: Awaited<ReturnType<FinanceRepository['getOpenCycle']>> extends infer T
+    ? Exclude<T, null>
+    : never = {
     id: 'cycle-1',
     period: '2026-03',
     currency: 'GEL' as const
@@ -38,7 +57,13 @@ function repository(
     getOpenCycle: async () => cycle,
     getCycleByPeriod: async (period) => (period === cycle.period ? cycle : null),
     getLatestCycle: async () => cycle,
-    openCycle: async () => {},
+    openCycle: async (period, currency) => {
+      cycle = {
+        id: 'opened-cycle',
+        period,
+        currency
+      }
+    },
     closeCycle: async () => {},
     saveRentRule: async () => {},
     getCycleExchangeRate: async () => null,
@@ -326,7 +351,7 @@ describe('createMiniAppDashboardHandler', () => {
       ok: true,
       authorized: true,
       dashboard: {
-        period: '2026-03',
+        period: expectedCurrentCyclePeriod('Asia/Tbilisi', 20),
         currency: 'GEL',
         paymentBalanceAdjustmentPolicy: 'utilities',
         totalDueMajor: '2010.00',

apps/bot/src/openai-purchase-interpreter.ts

@@ -14,6 +14,7 @@ export interface PurchaseInterpretation {
   amountMinor: bigint | null
   currency: 'GEL' | 'USD' | null
   itemDescription: string | null
+  payerMemberId?: string | null
   amountSource?: PurchaseInterpretationAmountSource | null
   calculationExplanation?: string | null
   participantMemberIds?: readonly string[] | null
@@ -43,6 +44,7 @@ interface OpenAiStructuredResult {
   amountMinor: string | null
   currency: 'GEL' | 'USD' | null
   itemDescription: string | null
+  payerMemberId: string | null
   amountSource: PurchaseInterpretationAmountSource | null
   calculationExplanation: string | null
   participantMemberIds: string[] | null
@@ -104,6 +106,26 @@ function normalizeParticipantMemberIds(
   return normalized.length > 0 ? normalized : null
 }
 
+function normalizePayerMemberId(
+  value: string | null | undefined,
+  householdMembers: readonly PurchaseInterpreterHouseholdMember[] | undefined
+): string | null {
+  if (!value) {
+    return null
+  }
+
+  const normalized = value.trim()
+  if (normalized.length === 0) {
+    return null
+  }
+
+  if (!householdMembers) {
+    return normalized
+  }
+
+  return householdMembers.some((member) => member.memberId === normalized) ? normalized : null
+}
+
 function resolveMissingCurrency(input: {
   decision: PurchaseInterpretationDecision
   amountMinor: bigint | null
@@ -198,6 +220,7 @@ export function createOpenAiPurchaseInterpreter(
               'If the latest message is a complete standalone purchase on its own, ignore the earlier clarification context.',
               'If the latest message answers a previous clarification, combine it with the earlier messages to resolve the purchase.',
               'If a household member roster is provided and the user explicitly says who shares the purchase, return participantMemberIds as the included member IDs.',
+              'If a household member roster is provided and the user explicitly says who paid for the purchase, return payerMemberId.',
               'For phrases like "split with Dima", "for me and Alice", or similar, include the sender and the explicitly mentioned household members in participantMemberIds.',
               'If the message does not clearly specify a participant subset, return participantMemberIds as null.',
               'Away members may still be included when the user explicitly names them.',
@@ -260,6 +283,9 @@ export function createOpenAiPurchaseInterpreter(
                 itemDescription: {
                   anyOf: [{ type: 'string' }, { type: 'null' }]
                 },
+                payerMemberId: {
+                  anyOf: [{ type: 'string' }, { type: 'null' }]
+                },
                 amountSource: {
                   anyOf: [
                     {
@@ -295,6 +321,7 @@ export function createOpenAiPurchaseInterpreter(
                 'amountMinor',
                 'currency',
                 'itemDescription',
+                'payerMemberId',
                 'amountSource',
                 'calculationExplanation',
                 'participantMemberIds',
@@ -339,6 +366,7 @@ export function createOpenAiPurchaseInterpreter(
 
     const amountMinor = asOptionalBigInt(parsedJson.amountMinor)
     const itemDescription = normalizeOptionalText(parsedJson.itemDescription)
+    const payerMemberId = normalizePayerMemberId(parsedJson.payerMemberId, options.householdMembers)
     const amountSource = normalizeAmountSource(parsedJson.amountSource, amountMinor)
     const calculationExplanation = normalizeOptionalText(parsedJson.calculationExplanation)
     const participantMemberIds = normalizeParticipantMemberIds(
@@ -376,6 +404,10 @@ export function createOpenAiPurchaseInterpreter(
       clarificationQuestion: decision === 'clarification' ? clarificationQuestion : null
     }
 
+    if (payerMemberId) {
+      result.payerMemberId = payerMemberId
+    }
+
     if (participantMemberIds) {
       result.participantMemberIds = participantMemberIds
     }

apps/bot/src/payment-proposals.ts

@@ -174,6 +174,28 @@ function formatPaymentBreakdown(locale: BotLocale, breakdown: PaymentProposalBre
   return lines.join('\n')
 }
 
+function shouldUseCompactTopicProposal(input: {
+  surface: 'assistant' | 'topic'
+  breakdown: PaymentProposalBreakdown
+}): boolean {
+  if (input.surface !== 'topic') {
+    return false
+  }
+
+  if (input.breakdown.guidance.kind !== 'rent') {
+    return false
+  }
+
+  if (input.breakdown.guidance.adjustmentPolicy !== 'utilities') {
+    return false
+  }
+
+  return (
+    input.breakdown.explicitAmount === null ||
+    input.breakdown.explicitAmount.equals(input.breakdown.guidance.proposalAmount)
+  )
+}
+
 export function formatPaymentProposalText(input: {
   locale: BotLocale
   surface: 'assistant' | 'topic'
@@ -199,6 +221,15 @@ export function formatPaymentProposalText(input: {
           amount.currency
         )
 
+  if (
+    shouldUseCompactTopicProposal({
+      surface: input.surface,
+      breakdown: input.proposal.breakdown
+    })
+  ) {
+    return intro
+  }
+
   return `${intro}\n\n${formatPaymentBreakdown(input.locale, input.proposal.breakdown)}`
 }
 

apps/bot/src/payment-topic-ingestion.test.ts

@@ -395,6 +395,9 @@ describe('registerConfiguredPaymentTopicIngestion', () => {
         ]
       }
     })
+    const payload = calls[0]?.payload as { text?: string } | undefined
+    expect(String(payload?.text)).not.toContain('Аренда к оплате')
+    expect(String(payload?.text)).not.toContain('Баланс по общим покупкам')
 
     expect(await promptRepository.getPendingAction('-10012345', '10002')).toMatchObject({
       action: 'payment_topic_confirmation'

apps/bot/src/payment-topic-ingestion.ts

@@ -21,7 +21,7 @@ import {
   parsePaymentProposalPayload,
   synthesizePaymentConfirmationText
 } from './payment-proposals'
-import type { TopicMessageRouter } from './topic-message-router'
+import { cacheTopicMessageRoute, type TopicMessageRouter } from './topic-message-router'
 import {
   persistTopicHistoryMessage,
   telegramMessageIdFromMessage,
@@ -662,6 +662,15 @@ export function registerConfiguredPaymentTopicIngestion(
         // Handle different routes
         switch (processorResult.route) {
           case 'silent': {
+            cacheTopicMessageRoute(ctx, 'payments', {
+              route: 'silent',
+              replyText: null,
+              helperKind: null,
+              shouldStartTyping: false,
+              shouldClearWorkflow: false,
+              confidence: processorResult.reason === 'test' ? 0 : 80,
+              reason: processorResult.reason
+            })
             await next()
             return
           }

apps/bot/src/purchase-topic-ingestion.test.ts

@@ -60,6 +60,7 @@ function purchaseUpdate(
   options: {
     replyToBot?: boolean
     threadId?: number
+    asCaption?: boolean
   } = {}
 ) {
   const commandToken = text.split(' ')[0] ?? text
@@ -99,16 +100,30 @@ function purchaseUpdate(
             }
           }
         : {}),
-      text,
+      ...(options.asCaption
-      entities: text.startsWith('/')
+        ? {
-        ? [
+            caption: text,
-            {
+            photo: [
-              offset: 0,
+              {
-              length: commandToken.length,
+                file_id: 'photo-1',
-              type: 'bot_command'
+                file_unique_id: 'photo-1',
-            }
+                width: 100,
-          ]
+                height: 100
-        : []
+              }
+            ]
+          }
+        : {
+            text,
+            entities: text.startsWith('/')
+              ? [
+                  {
+                    offset: 0,
+                    length: commandToken.length,
+                    type: 'bot_command'
+                  }
+                ]
+              : []
+          })
     }
   }
 }
@@ -628,6 +643,160 @@ Confirm or cancel below.`,
     })
   })
 
+  test('reads purchase captions from photo messages', async () => {
+    const bot = createTestBot()
+    const calls: Array<{ method: string; payload: unknown }> = []
+
+    bot.api.config.use(async (_prev, method, payload) => {
+      calls.push({ method, payload })
+
+      return {
+        ok: true,
+        result: {
+          message_id: calls.length,
+          date: Math.floor(Date.now() / 1000),
+          chat: {
+            id: Number(config.householdChatId),
+            type: 'supergroup'
+          },
+          text: 'ok'
+        }
+      } as never
+    })
+
+    const repository: PurchaseMessageIngestionRepository = {
+      async hasClarificationContext() {
+        return false
+      },
+      async save(record) {
+        expect(record.rawText).toBe('Bought toilet paper 30 gel')
+        return {
+          status: 'pending_confirmation',
+          purchaseMessageId: 'proposal-caption',
+          parsedAmountMinor: 3000n,
+          parsedCurrency: 'GEL',
+          parsedItemDescription: 'toilet paper',
+          payerMemberId: 'member-1',
+          payerDisplayName: 'Mia',
+          parserConfidence: 90,
+          parserMode: 'llm',
+          participants: participants()
+        }
+      },
+      async confirm() {
+        throw new Error('not used')
+      },
+      async saveWithInterpretation() {
+        throw new Error('not implemented')
+      },
+      async cancel() {
+        throw new Error('not used')
+      },
+      async toggleParticipant() {
+        throw new Error('not used')
+      }
+    }
+
+    registerPurchaseTopicIngestion(bot, config, repository)
+    await bot.handleUpdate(
+      purchaseUpdate('Bought toilet paper 30 gel', { asCaption: true }) as never
+    )
+
+    expect(calls).toHaveLength(1)
+    expect(calls[0]?.payload).toMatchObject({
+      text: expect.stringContaining('toilet paper - 30.00 GEL')
+    })
+  })
+
+  test('shows payer selection buttons when the purchase payer is ambiguous', async () => {
+    const bot = createTestBot()
+    const calls: Array<{ method: string; payload: unknown }> = []
+
+    bot.api.config.use(async (_prev, method, payload) => {
+      calls.push({ method, payload })
+
+      return {
+        ok: true,
+        result: {
+          message_id: calls.length,
+          date: Math.floor(Date.now() / 1000),
+          chat: {
+            id: Number(config.householdChatId),
+            type: 'supergroup'
+          },
+          text: 'ok'
+        }
+      } as never
+    })
+
+    const repository: PurchaseMessageIngestionRepository = {
+      async hasClarificationContext() {
+        return false
+      },
+      async save() {
+        return {
+          status: 'clarification_needed',
+          purchaseMessageId: 'proposal-1',
+          clarificationQuestion: null,
+          parsedAmountMinor: 1000n,
+          parsedCurrency: 'GEL',
+          parsedItemDescription: 'chicken',
+          payerMemberId: null,
+          payerDisplayName: null,
+          parserConfidence: 78,
+          parserMode: 'llm',
+          payerCandidates: [
+            { memberId: 'member-1', displayName: 'Mia' },
+            { memberId: 'member-2', displayName: 'Dima' }
+          ]
+        }
+      },
+      async confirm() {
+        throw new Error('not used')
+      },
+      async saveWithInterpretation() {
+        throw new Error('not implemented')
+      },
+      async cancel() {
+        throw new Error('not used')
+      },
+      async toggleParticipant() {
+        throw new Error('not used')
+      }
+    }
+
+    registerPurchaseTopicIngestion(bot, config, repository)
+    await bot.handleUpdate(purchaseUpdate('Dima bought chicken for 10 gel') as never)
+
+    expect(calls).toHaveLength(1)
+    const payload = calls[0]?.payload as {
+      text: string
+      reply_markup?: {
+        inline_keyboard?: Array<Array<{ text: string; callback_data: string }>>
+      }
+    }
+
+    expect(payload.text).toBe('I could not tell who bought this. Pick the payer below.')
+    expect(payload.reply_markup?.inline_keyboard?.[0]).toEqual([
+      {
+        text: 'Mia paid',
+        callback_data: 'purchase:payer:proposal-1:member-1'
+      }
+    ])
+    expect(payload.reply_markup?.inline_keyboard?.[1]).toEqual([
+      {
+        text: 'Dima paid',
+        callback_data: 'purchase:payer:proposal-1:member-2'
+      }
+    ])
+    expect(payload.reply_markup?.inline_keyboard?.[2]).toEqual([
+      {
+        text: 'Cancel',
+        callback_data: 'purchase:cancel:proposal-1'
+      }
+    ])
+  })
+
   test('keeps bare-amount purchase reports on the ingestion path', async () => {
     const bot = createTestBot()
     const calls: Array<{ method: string; payload: unknown }> = []

apps/bot/src/topic-message-router.ts

@@ -106,6 +106,28 @@ export function fallbackTopicMessageRoute(
         reason: 'active_purchase_workflow'
       }
     }
+
+    if (input.isExplicitMention || input.isReplyToBot) {
+      return {
+        route: 'topic_helper',
+        replyText: null,
+        helperKind: 'assistant',
+        shouldStartTyping: true,
+        shouldClearWorkflow: false,
+        confidence: 56,
+        reason: 'addressed_finance_topic'
+      }
+    }
+
+    return {
+      route: 'silent',
+      replyText: null,
+      helperKind: null,
+      shouldStartTyping: false,
+      shouldClearWorkflow: false,
+      confidence: 78,
+      reason: 'quiet_purchase_topic'
+    }
   }
 
   if (input.topicRole === 'payments') {
@@ -123,6 +145,28 @@ export function fallbackTopicMessageRoute(
         reason: 'active_payment_workflow'
       }
     }
+
+    if (input.isExplicitMention || input.isReplyToBot) {
+      return {
+        route: 'topic_helper',
+        replyText: null,
+        helperKind: 'assistant',
+        shouldStartTyping: false,
+        shouldClearWorkflow: false,
+        confidence: 56,
+        reason: 'addressed_finance_topic'
+      }
+    }
+
+    return {
+      route: 'silent',
+      replyText: null,
+      helperKind: null,
+      shouldStartTyping: false,
+      shouldClearWorkflow: false,
+      confidence: 78,
+      reason: 'quiet_payments_topic'
+    }
   }
 
   if (

apps/bot/src/topic-processor.ts

@@ -295,11 +295,10 @@ export function createTopicProcessor(
   - The message reports a completed purchase or payment (your primary purpose in these topics)
   - The user addresses the bot (by @mention, reply to bot, or text reference in ANY language — бот, bot, kojori, кожори, or any recognizable variant)
   - There is an active clarification/confirmation workflow for this user
-  - The user is clearly engaged with the bot (recent bot interaction, strong context reference)
 - Regular chat between users (plans, greetings, discussion) → silent
 
 === PURCHASE TOPIC (topicRole=purchase) ===
-Purchase detection is CONTENT-BASED — engagement signals are irrelevant for this decision.
+Purchase detection is CONTENT-BASED. This topic is a workflow topic, not a casual assistant thread.
 If the message reports a completed purchase (past-tense buy verb + realistic item + amount), classify as "purchase" REGARDLESS of mention/engagement.
 - Completed buy verbs: купил, bought, ordered, picked up, spent, взял, заказал, потратил, сходил взял, etc.
 - Realistic household items: food, groceries, household goods, toiletries, medicine, transport, cafe, restaurant
@@ -307,6 +306,8 @@ If the message reports a completed purchase (past-tense buy verb + realistic ite
 - Gifts for household members ARE shared purchases
 - Plans, wishes, future intent → silent (NOT purchases)
 - Fantastical items (car, plane, island) or excessive amounts (>500) → chat_reply with playful response
+- If the user explicitly addresses the bot with non-purchase banter, use chat_reply with one short sentence.
+- Do not use topic_helper for casual banter in the purchase topic.
 
 When classifying as "purchase":
 - amountMinor in minor currency units (350 GEL → 35000, 3.50 → 350)
@@ -315,15 +316,19 @@ When classifying as "purchase":
 - Use clarification when amount, item, or intent is unclear but purchase seems likely
 
 === PAYMENT TOPIC (topicRole=payments) ===
+This topic is also a workflow topic, not a casual assistant thread.
 If the message reports a completed rent or utility payment (payment verb + rent/utilities + amount), classify as "payment".
 - Payment verbs: оплатил, paid, заплатил, перевёл, кинул, отправил
 - Realistic amount for rent/utilities
+- If the message is a payment-related balance/status question, use topic_helper.
+- If the user explicitly addresses the bot with non-payment banter, use chat_reply with one short sentence.
+- Otherwise ordinary discussion in this topic stays silent.
 
 === CHAT REPLIES ===
 CRITICAL: chat_reply replyText must NEVER claim a purchase or payment was saved, recorded, confirmed, or logged. The chat_reply route does NOT save anything. Only "purchase" and "payment" routes process real data.
 
 === BOT ADDRESSING ===
-When the user addresses the bot (by any means), you MUST respond — never silent.
+When the user addresses the bot (by any means), you should respond briefly, but finance topics still stay workflow-focused.
 For bare summons ("бот?", "bot", "@kojori_bot"), use topic_helper to let the assistant greet.
 For small talk or jokes directed at the bot, use chat_reply with a short playful response.
 For questions that need household knowledge, use topic_helper.

packages/adapters-db/src/finance-repository.ts

@@ -355,6 +355,7 @@ export function createDbFinanceRepository(
         id: purchaseId,
         householdId,
         senderMemberId: input.payerMemberId,
+        payerMemberId: input.payerMemberId,
         senderTelegramUserId: 'miniapp',
         senderDisplayName: member?.displayName ?? 'Mini App',
         telegramChatId: 'miniapp',
@@ -388,7 +389,7 @@ export function createDbFinanceRepository(
       const rows = await db
         .select({
           id: schema.purchaseMessages.id,
-          payerMemberId: schema.purchaseMessages.senderMemberId,
+          payerMemberId: schema.purchaseMessages.payerMemberId,
           amountMinor: schema.purchaseMessages.parsedAmountMinor,
           currency: schema.purchaseMessages.parsedCurrency,
           description: schema.purchaseMessages.parsedItemDescription,
@@ -443,7 +444,8 @@ export function createDbFinanceRepository(
               : {}),
             ...(input.payerMemberId
               ? {
-                  senderMemberId: input.payerMemberId
+                  senderMemberId: input.payerMemberId,
+                  payerMemberId: input.payerMemberId
                 }
               : {}),
             needsReview: 0,
@@ -458,7 +460,7 @@ export function createDbFinanceRepository(
           )
           .returning({
             id: schema.purchaseMessages.id,
-            payerMemberId: schema.purchaseMessages.senderMemberId,
+            payerMemberId: schema.purchaseMessages.payerMemberId,
             amountMinor: schema.purchaseMessages.parsedAmountMinor,
             currency: schema.purchaseMessages.parsedCurrency,
             description: schema.purchaseMessages.parsedItemDescription,
@@ -763,7 +765,7 @@ export function createDbFinanceRepository(
       const rows = await db
         .select({
           id: schema.purchaseMessages.id,
-          payerMemberId: schema.purchaseMessages.senderMemberId,
+          payerMemberId: schema.purchaseMessages.payerMemberId,
           amountMinor: schema.purchaseMessages.parsedAmountMinor,
           currency: schema.purchaseMessages.parsedCurrency,
           description: schema.purchaseMessages.parsedItemDescription,
@@ -774,7 +776,7 @@ export function createDbFinanceRepository(
         .where(
           and(
             eq(schema.purchaseMessages.householdId, householdId),
-            isNotNull(schema.purchaseMessages.senderMemberId),
+            isNotNull(schema.purchaseMessages.payerMemberId),
             isNotNull(schema.purchaseMessages.parsedAmountMinor),
             isNotNull(schema.purchaseMessages.parsedCurrency),
             or(

packages/application/src/finance-command-service.test.ts

@@ -15,6 +15,23 @@ import type {
 
 import { createFinanceCommandService } from './finance-command-service'
 
+function expectedCurrentCyclePeriod(timezone: string, rentDueDay: number): string {
+  const parts = new Intl.DateTimeFormat('en-CA', {
+    timeZone: timezone,
+    year: 'numeric',
+    month: '2-digit',
+    day: '2-digit'
+  }).formatToParts(new Date())
+  const year = Number(parts.find((part) => part.type === 'year')?.value ?? '0')
+  const month = Number(parts.find((part) => part.type === 'month')?.value ?? '1')
+  const day = Number(parts.find((part) => part.type === 'day')?.value ?? '1')
+  const carryMonth = day > rentDueDay ? month + 1 : month
+  const normalizedYear = carryMonth > 12 ? year + 1 : year
+  const normalizedMonth = carryMonth > 12 ? 1 : carryMonth
+
+  return `${normalizedYear}-${String(normalizedMonth).padStart(2, '0')}`
+}
+
 class FinanceRepositoryStub implements FinanceRepository {
   householdId = 'household-1'
   member: FinanceMemberRecord | null = null
@@ -428,9 +445,10 @@ describe('createFinanceCommandService', () => {
     const service = createService(repository)
 
     const result = await service.addUtilityBill('Electricity', '55.20', 'member-1')
+    const expectedPeriod = expectedCurrentCyclePeriod('Asia/Tbilisi', 20)
 
     expect(result).not.toBeNull()
-    expect(result?.period).toBe('2026-03')
+    expect(result?.period).toBe(expectedPeriod)
     expect(repository.lastUtilityBill).toEqual({
       cycleId: 'opened-cycle',
       billName: 'Electricity',

packages/db/drizzle-checksums.json

@@ -22,6 +22,7 @@
     "0018_nimble_kojori.sql": "818738e729119c6de8049dcfca562926a5dc6e321ecbbf9cf38e02bc70b5a0dc",
     "0019_faithful_madame_masque.sql": "38711341799b04a7c47fcc64fd19faf5b26e6f183d6a4c01d492b9929cd63641",
     "0020_natural_mauler.sql": "a80a4a0196a3b4931040850089346d1bc99b34a5afca77d6d62478ee4b8902c1",
-    "0020_silver_payments.sql": "9686235c75453f1eaa016f2f4ab7fce8fe964c76a4e3515987a2b9f90bd7b1ad"
+    "0020_silver_payments.sql": "9686235c75453f1eaa016f2f4ab7fce8fe964c76a4e3515987a2b9f90bd7b1ad",
+    "0021_sharp_payer.sql": "973596e154382984ba7769979ea58298b6d93c5139540854be01e8b283ddb4f1"
   }
 }

packages/db/drizzle/0021_sharp_payer.sql

@@ -0,0 +1,7 @@
+ALTER TABLE "purchase_messages"
+ADD COLUMN "payer_member_id" uuid REFERENCES "members"("id") ON DELETE SET NULL;
+
+UPDATE "purchase_messages"
+SET "payer_member_id" = "sender_member_id"
+WHERE "payer_member_id" IS NULL
+  AND "sender_member_id" IS NOT NULL;

packages/db/drizzle/meta/_journal.json

@@ -148,6 +148,13 @@
       "when": 1773590603863,
       "tag": "0020_natural_mauler",
       "breakpoints": true
+    },
+    {
+      "idx": 21,
+      "version": "7",
+      "when": 1774200000000,
+      "tag": "0021_sharp_payer",
+      "breakpoints": true
     }
   ]
 }

packages/db/src/schema.ts

@@ -417,6 +417,9 @@ export const purchaseMessages = pgTable(
     senderMemberId: uuid('sender_member_id').references(() => members.id, {
       onDelete: 'set null'
     }),
+    payerMemberId: uuid('payer_member_id').references(() => members.id, {
+      onDelete: 'set null'
+    }),
     senderTelegramUserId: text('sender_telegram_user_id').notNull(),
     senderDisplayName: text('sender_display_name'),
     rawText: text('raw_text').notNull(),