diff --git a/.forgejo/workflows/test.yaml b/.forgejo/workflows/test.yaml
new file mode 100644
index 0000000..114ac9b
--- /dev/null
+++ b/.forgejo/workflows/test.yaml
@@ -0,0 +1,63 @@
+name: backend-integration-tests
+
+on:
+  push:
+    branches:
+      - main
+      - high-performance
+
+concurrency:
+  group: backend-tests-${{ github.ref }}
+  cancel-in-progress: true
+
+jobs:
+  ai-credits:
+    runs-on: docker-ready
+    env:
+      TEST_DATABASE_URL: ${{ secrets.TEST_DATABASE_URL }}
+    steps:
+      - name: Checkout
+        uses: actions/checkout@v4
+
+      - name: Check for relevant changes
+        id: check
+        run: |
+          set -euo pipefail
+          if git rev-parse --verify HEAD^ >/dev/null 2>&1; then
+            BASE="${{ github.event.before }}"
+            if [ -z "$BASE" ] || [ "$BASE" = "0000000000000000000000000000000000000000" ] \
+               || ! git rev-parse --verify "${BASE}^{commit}" >/dev/null 2>&1; then
+              BASE="HEAD^"
+            fi
+            CHANGED_FILES="$(git diff --name-only "$BASE" HEAD)"
+          else
+            CHANGED_FILES="$(git ls-files)"
+          fi
+
+          run=false
+          if echo "$CHANGED_FILES" | grep -Eq '^(crates/db/|Cargo\.toml|Cargo\.lock|\.forgejo/workflows/test\.yaml)'; then
+            run=true
+          fi
+          echo "run=$run" >> "$GITHUB_OUTPUT"
+          if [ "$run" = "false" ]; then
+            echo "No changes relevant to crates/db - skipping integration tests."
+          fi
+
+      - name: Verify TEST_DATABASE_URL is configured
+        if: steps.check.outputs.run == 'true'
+        run: |
+          test -n "${TEST_DATABASE_URL:-}" || { echo "TEST_DATABASE_URL secret is not set - see docs/LIVE_SERVER_RUNBOOK.md step 6"; exit 1; }
+
+      - name: Install Rust
+        if: steps.check.outputs.run == 'true'
+        run: |
+          set -euo pipefail
+          if ! command -v cargo >/dev/null 2>&1; then
+            curl --proto '=https' --tlsv1.2 -sSf https://sh.rustup.rs | sh -s -- -y --default-toolchain stable
+          fi
+          echo "$HOME/.cargo/bin" >> "$GITHUB_PATH"
+
+      - name: Run ai_credits integration tests
+        if: steps.check.outputs.run == 'true'
+        run: |
+          cargo test -p db --test ai_credits --test ai_credits_reaper -- --test-threads=1
diff --git a/.gitignore b/.gitignore
index 14c2a88..d237a66 100644
--- a/.gitignore
+++ b/.gitignore
@@ -22,3 +22,6 @@ Thumbs.db
 # Logs
 *.log
 *.pid
+
+# schemathesis fuzzing run cache (local only)
+.schemathesis/
diff --git a/crates/db/migrations/20260703210000_ai_credits_wallet.down.sql b/crates/db/migrations/20260703210000_ai_credits_wallet.down.sql
index df8e43e..75cc516 100644
--- a/crates/db/migrations/20260703210000_ai_credits_wallet.down.sql
+++ b/crates/db/migrations/20260703210000_ai_credits_wallet.down.sql
@@ -4,17 +4,45 @@ DROP INDEX IF EXISTS idx_ai_reservation_holds_status_expires;
 DROP INDEX IF EXISTS idx_ai_reservation_holds_wallet_id;
 DROP INDEX IF EXISTS idx_ai_credit_ledger_reference;
 DROP INDEX IF EXISTS idx_ai_credit_ledger_wallet_id;
-DROP INDEX IF EXISTS idx_ai_usage_logs_created_at;
-DROP INDEX IF EXISTS idx_ai_usage_logs_feature_code;
-DROP INDEX IF EXISTS idx_ai_usage_logs_user_id;
-DROP INDEX IF EXISTS idx_user_ai_subscriptions_plan_id;
-DROP INDEX IF EXISTS idx_user_ai_subscriptions_user_id;
 
 DROP TABLE IF EXISTS ai_reservation_holds;
 DROP TABLE IF EXISTS ai_credit_ledger;
-DROP TABLE IF EXISTS ai_usage_logs;
-DROP TABLE IF EXISTS ai_feature_costs;
-DROP TABLE IF EXISTS user_ai_subscriptions;
-DROP TABLE IF EXISTS ai_plans;
+
+-- NOTE: ai_plans, user_ai_subscriptions, ai_feature_costs, and ai_usage_logs
+-- are NOT dropped here (unlike the original version of this file) -- they
+-- predate this migration (created by an earlier, separate schema pass) and
+-- hold real production subscription data. This down-migration only reverses
+-- what the corresponding up.sql actually added: the 2 new tables/indexes and
+-- the columns/constraint below.
+
+ALTER TABLE user_ai_subscriptions DROP CONSTRAINT IF EXISTS chk_ai_wallet_nonnegative_v2;
+
+ALTER TABLE ai_plans DROP COLUMN IF EXISTS daily_credit_limit;
+ALTER TABLE ai_plans DROP COLUMN IF EXISTS is_trial;
+ALTER TABLE ai_plans DROP COLUMN IF EXISTS trial_days;
+
+ALTER TABLE user_ai_subscriptions DROP COLUMN IF EXISTS bonus_credits_total;
+ALTER TABLE user_ai_subscriptions DROP COLUMN IF EXISTS bonus_credits_used;
+ALTER TABLE user_ai_subscriptions DROP COLUMN IF EXISTS reserved_credits;
+ALTER TABLE user_ai_subscriptions DROP COLUMN IF EXISTS locked_credits;
+ALTER TABLE user_ai_subscriptions DROP COLUMN IF EXISTS lifetime_purchased_credits;
+ALTER TABLE user_ai_subscriptions DROP COLUMN IF EXISTS lifetime_used_credits;
+ALTER TABLE user_ai_subscriptions DROP COLUMN IF EXISTS daily_credits_used;
+ALTER TABLE user_ai_subscriptions DROP COLUMN IF EXISTS daily_usage_date;
+ALTER TABLE user_ai_subscriptions DROP COLUMN IF EXISTS purchased_credits_expire_at;
+ALTER TABLE user_ai_subscriptions DROP COLUMN IF EXISTS billing_cycle;
+ALTER TABLE user_ai_subscriptions DROP COLUMN IF EXISTS auto_renew;
+
+ALTER TABLE ai_feature_costs DROP COLUMN IF EXISTS min_plan_code;
+ALTER TABLE ai_feature_costs DROP COLUMN IF EXISTS priority;
+ALTER TABLE ai_feature_costs DROP COLUMN IF EXISTS timeout_ms;
+ALTER TABLE ai_feature_costs DROP COLUMN IF EXISTS rate_limit_per_minute;
+ALTER TABLE ai_feature_costs DROP COLUMN IF EXISTS retry_policy;
+ALTER TABLE ai_feature_costs DROP COLUMN IF EXISTS fallback_model;
+
+ALTER TABLE ai_usage_logs DROP COLUMN IF EXISTS cached_tokens;
+ALTER TABLE ai_usage_logs DROP COLUMN IF EXISTS provider_reported_cost;
+ALTER TABLE ai_usage_logs DROP COLUMN IF EXISTS internal_cost;
+ALTER TABLE ai_usage_logs DROP COLUMN IF EXISTS credit_unit_price_at_time;
 
 COMMIT;
diff --git a/crates/db/migrations/20260703210000_ai_credits_wallet.up.sql b/crates/db/migrations/20260703210000_ai_credits_wallet.up.sql
new file mode 100644
index 0000000..6a27733
--- /dev/null
+++ b/crates/db/migrations/20260703210000_ai_credits_wallet.up.sql
@@ -0,0 +1,136 @@
+-- Ask Ash AI Credits: wallet, ledger, plans, feature pricing, usage logs.
+-- Phase 1 of docs/ASK_ASH_BILLING_ARCHITECTURE.md (nxtgauge-ai-assistant repo).
+--
+-- This is a net-new schema. It does not extend or replace the existing
+-- company_ai_usage / job_seeker_ai_usage daily-count quota tables
+-- (20260425000000_ai_usage.up.sql) -- those stay in place until a later
+-- migration phase consolidates users onto this system (see Section 19 of
+-- the architecture doc). It also does not touch tracecoin_wallets /
+-- tracecoin_ledger, which remain a completely separate currency.
+--
+-- REWRITTEN 2026-08-13: this migration was originally CREATE TABLE for all
+-- six tables below, but got disabled (renamed .up.sql.skip) in commit
+-- 0163349 because ai_plans/user_ai_subscriptions/ai_feature_costs/
+-- ai_usage_logs already existed in prod from an earlier, narrower schema
+-- pass -- the batch "relation already exists" error aborted the whole
+-- script on table 1, silently leaving ai_credit_ledger and
+-- ai_reservation_holds (which crates/db/src/models/ai_credits.rs's
+-- try_reserve_credits/settle/release actually depend on) never created at
+-- all, despite the wallet system being actively wired into
+-- apps/users/src/handlers/ai_credits.rs, apps/payments, apps/cron and
+-- already holding real subscription rows. Rewritten to be idempotent:
+-- ADD COLUMN IF NOT EXISTS to bring the 4 pre-existing tables up to the
+-- full column set the application code expects (safe defaults, no data
+-- loss), and CREATE TABLE IF NOT EXISTS for the 2 genuinely-missing ones.
+
+BEGIN;
+
+-- ── ai_plans: add columns introduced after the table's original creation ──
+ALTER TABLE ai_plans ADD COLUMN IF NOT EXISTS daily_credit_limit INT;
+ALTER TABLE ai_plans ADD COLUMN IF NOT EXISTS is_trial BOOLEAN NOT NULL DEFAULT FALSE;
+ALTER TABLE ai_plans ADD COLUMN IF NOT EXISTS trial_days INT;
+
+-- ── user_ai_subscriptions: bring up to the wallet shape the code expects ──
+-- (crates/db/src/models/ai_credits.rs's AiSubscriptionWallet struct).
+-- Existing rows backfill lifetime_*/bonus_*/reserved/locked to 0 -- these
+-- are new cumulative counters with no prior history to reconstruct, not a
+-- correction of existing monthly_credits_used/purchased_credits_used
+-- (which are untouched and remain authoritative for what they track).
+ALTER TABLE user_ai_subscriptions ADD COLUMN IF NOT EXISTS bonus_credits_total INT NOT NULL DEFAULT 0;
+ALTER TABLE user_ai_subscriptions ADD COLUMN IF NOT EXISTS bonus_credits_used INT NOT NULL DEFAULT 0;
+ALTER TABLE user_ai_subscriptions ADD COLUMN IF NOT EXISTS reserved_credits INT NOT NULL DEFAULT 0;
+ALTER TABLE user_ai_subscriptions ADD COLUMN IF NOT EXISTS locked_credits INT NOT NULL DEFAULT 0;
+ALTER TABLE user_ai_subscriptions ADD COLUMN IF NOT EXISTS lifetime_purchased_credits INT NOT NULL DEFAULT 0;
+ALTER TABLE user_ai_subscriptions ADD COLUMN IF NOT EXISTS lifetime_used_credits INT NOT NULL DEFAULT 0;
+ALTER TABLE user_ai_subscriptions ADD COLUMN IF NOT EXISTS daily_credits_used INT NOT NULL DEFAULT 0;
+ALTER TABLE user_ai_subscriptions ADD COLUMN IF NOT EXISTS daily_usage_date DATE NOT NULL DEFAULT CURRENT_DATE;
+ALTER TABLE user_ai_subscriptions ADD COLUMN IF NOT EXISTS purchased_credits_expire_at TIMESTAMPTZ;
+ALTER TABLE user_ai_subscriptions ADD COLUMN IF NOT EXISTS billing_cycle VARCHAR(20) NOT NULL DEFAULT 'monthly';
+ALTER TABLE user_ai_subscriptions ADD COLUMN IF NOT EXISTS auto_renew BOOLEAN NOT NULL DEFAULT TRUE;
+
+-- Matches the original migration's chk_ai_wallet_nonnegative, guarded since
+-- Postgres has no ADD CONSTRAINT IF NOT EXISTS. Safe against the 3 existing
+-- rows: all newly-added columns default to 0, which trivially satisfies >= 0.
+DO $$
+BEGIN
+    IF NOT EXISTS (
+        SELECT 1 FROM pg_constraint WHERE conname = 'chk_ai_wallet_nonnegative_v2'
+    ) THEN
+        ALTER TABLE user_ai_subscriptions ADD CONSTRAINT chk_ai_wallet_nonnegative_v2 CHECK (
+            monthly_credits_used >= 0 AND monthly_credits_used <= monthly_credits_total
+            AND purchased_credits_used >= 0 AND purchased_credits_used <= purchased_credits_total
+            AND bonus_credits_used >= 0 AND bonus_credits_used <= bonus_credits_total
+            AND reserved_credits >= 0
+            AND locked_credits >= 0
+        );
+    END IF;
+END $$;
+
+-- ── ai_feature_costs: columns the pricing/dispatch code reads ─────────────
+-- (crates/db/src/models/ai_credits.rs's feature-cost SELECT lists
+-- min_plan_code, timeout_ms, fallback_model explicitly -- these were
+-- erroring with "column does not exist" against the live table before
+-- this migration).
+ALTER TABLE ai_feature_costs ADD COLUMN IF NOT EXISTS min_plan_code VARCHAR(50);
+ALTER TABLE ai_feature_costs ADD COLUMN IF NOT EXISTS priority VARCHAR(20) NOT NULL DEFAULT 'normal';
+ALTER TABLE ai_feature_costs ADD COLUMN IF NOT EXISTS timeout_ms INT NOT NULL DEFAULT 15000;
+ALTER TABLE ai_feature_costs ADD COLUMN IF NOT EXISTS rate_limit_per_minute INT;
+ALTER TABLE ai_feature_costs ADD COLUMN IF NOT EXISTS retry_policy JSONB NOT NULL DEFAULT '{"max_retries": 1, "backoff_ms": 500}';
+ALTER TABLE ai_feature_costs ADD COLUMN IF NOT EXISTS fallback_model VARCHAR(100);
+
+-- ── ai_usage_logs: cost-tracking columns from the original design ─────────
+-- (prompt_preview/response_preview already exist in prod from a later,
+-- separate migration not part of this file -- left untouched).
+ALTER TABLE ai_usage_logs ADD COLUMN IF NOT EXISTS cached_tokens INT;
+ALTER TABLE ai_usage_logs ADD COLUMN IF NOT EXISTS provider_reported_cost NUMERIC(12, 6);
+ALTER TABLE ai_usage_logs ADD COLUMN IF NOT EXISTS internal_cost NUMERIC(12, 6);
+ALTER TABLE ai_usage_logs ADD COLUMN IF NOT EXISTS credit_unit_price_at_time NUMERIC(12, 6);
+
+-- ── Genuinely missing tables ───────────────────────────────────────────────
+
+-- Immutable append-only ledger -- the source of truth for wallet balances
+-- (Section 5 of the architecture doc). Application code must never UPDATE
+-- or DELETE rows here; corrections are new rows referencing the row they
+-- correct via reference_type='ledger_entry'/reference_id.
+CREATE TABLE IF NOT EXISTS ai_credit_ledger (
+    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+    wallet_id UUID NOT NULL REFERENCES user_ai_subscriptions(id),
+    entry_type VARCHAR(40) NOT NULL,
+    credits INT NOT NULL,
+    balance_after INT NOT NULL,
+    idempotency_key VARCHAR(150) UNIQUE,
+    reference_type VARCHAR(50),
+    reference_id UUID,
+    actor_type VARCHAR(20) NOT NULL DEFAULT 'user',
+    actor_id UUID,
+    metadata JSONB,
+    created_at TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);
+
+-- Backs the reserve -> capture/release flow (Section 4.2). A background
+-- reaper (crates/db/tests/ai_credits_reaper.rs / apps/cron) releases `held`
+-- rows past expires_at back to the wallet's available balance.
+CREATE TABLE IF NOT EXISTS ai_reservation_holds (
+    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+    wallet_id UUID NOT NULL REFERENCES user_ai_subscriptions(id),
+    credits_held INT NOT NULL,
+    feature_code VARCHAR(100) NOT NULL,
+    request_id VARCHAR(150),
+    idempotency_key VARCHAR(150) UNIQUE,
+    status VARCHAR(20) NOT NULL DEFAULT 'held',
+    created_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
+    expires_at TIMESTAMPTZ NOT NULL DEFAULT (NOW() + INTERVAL '5 minutes'),
+    resolved_at TIMESTAMPTZ
+);
+
+CREATE INDEX IF NOT EXISTS idx_ai_credit_ledger_wallet_id ON ai_credit_ledger(wallet_id, created_at);
+CREATE INDEX IF NOT EXISTS idx_ai_credit_ledger_reference ON ai_credit_ledger(reference_type, reference_id);
+CREATE INDEX IF NOT EXISTS idx_ai_reservation_holds_wallet_id ON ai_reservation_holds(wallet_id);
+CREATE INDEX IF NOT EXISTS idx_ai_reservation_holds_status_expires ON ai_reservation_holds(status, expires_at) WHERE status = 'held';
+
+-- Free plan already exists in prod (seeded some other way) -- don't fail on it.
+INSERT INTO ai_plans (code, name, monthly_credits, daily_action_limit, daily_credit_limit, allowed_models, allowed_features)
+VALUES ('free', 'Free', 10, 3, 10, '["askash-fast"]', '[]')
+ON CONFLICT (code) DO NOTHING;
+
+COMMIT;
diff --git a/crates/db/migrations/20260703210000_ai_credits_wallet.up.sql.skip b/crates/db/migrations/20260703210000_ai_credits_wallet.up.sql.skip
deleted file mode 100644
index 5231e9a..0000000
--- a/crates/db/migrations/20260703210000_ai_credits_wallet.up.sql.skip
+++ /dev/null
@@ -1,167 +0,0 @@
--- Ask Ash AI Credits: wallet, ledger, plans, feature pricing, usage logs.
--- Phase 1 of docs/ASK_ASH_BILLING_ARCHITECTURE.md (nxtgauge-ai-assistant repo).
---
--- This is a net-new schema. It does not extend or replace the existing
--- company_ai_usage / job_seeker_ai_usage daily-count quota tables
--- (20260425000000_ai_usage.up.sql) -- those stay in place until a later
--- migration phase consolidates users onto this system (see Section 19 of
--- the architecture doc). It also does not touch tracecoin_wallets /
--- tracecoin_ledger, which remain a completely separate currency.
-
-BEGIN;
-
-CREATE TABLE ai_plans (
-    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
-    code VARCHAR(50) UNIQUE NOT NULL,
-    name VARCHAR(100) NOT NULL,
-    monthly_credits INT NOT NULL,
-    daily_action_limit INT NOT NULL,
-    daily_credit_limit INT,
-    allowed_models JSONB NOT NULL DEFAULT '[]',
-    allowed_features JSONB NOT NULL DEFAULT '[]',
-    is_trial BOOLEAN NOT NULL DEFAULT FALSE,
-    trial_days INT,
-    is_active BOOLEAN NOT NULL DEFAULT TRUE,
-    created_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
-    updated_at TIMESTAMPTZ NOT NULL DEFAULT NOW()
-);
-
--- The AI credits wallet. One row per user, mirroring tracecoin_wallets'
--- balance/reserved shape (crates/db/src/models/tracecoin_wallet.rs) but
--- split into pools (monthly/purchased/bonus) so expiry and consumption
--- order can differ per pool -- see Section 4 of the architecture doc.
-CREATE TABLE user_ai_subscriptions (
-    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
-    user_id UUID UNIQUE NOT NULL REFERENCES users(id) ON DELETE CASCADE,
-    plan_id UUID NOT NULL REFERENCES ai_plans(id),
-    role_code VARCHAR(50),
-
-    monthly_credits_total INT NOT NULL DEFAULT 0,
-    monthly_credits_used INT NOT NULL DEFAULT 0,
-    purchased_credits_total INT NOT NULL DEFAULT 0,
-    purchased_credits_used INT NOT NULL DEFAULT 0,
-    bonus_credits_total INT NOT NULL DEFAULT 0,
-    bonus_credits_used INT NOT NULL DEFAULT 0,
-
-    reserved_credits INT NOT NULL DEFAULT 0,
-    locked_credits INT NOT NULL DEFAULT 0,
-
-    lifetime_purchased_credits INT NOT NULL DEFAULT 0,
-    lifetime_used_credits INT NOT NULL DEFAULT 0,
-
-    daily_actions_used INT NOT NULL DEFAULT 0,
-    daily_credits_used INT NOT NULL DEFAULT 0,
-    daily_usage_date DATE NOT NULL DEFAULT CURRENT_DATE,
-
-    purchased_credits_expire_at TIMESTAMPTZ,
-
-    billing_cycle VARCHAR(20) NOT NULL DEFAULT 'monthly',
-    auto_renew BOOLEAN NOT NULL DEFAULT TRUE,
-    current_period_start TIMESTAMPTZ NOT NULL DEFAULT NOW(),
-    current_period_end TIMESTAMPTZ NOT NULL DEFAULT (NOW() + INTERVAL '30 days'),
-    status VARCHAR(30) NOT NULL DEFAULT 'active',
-
-    created_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
-    updated_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
-
-    CONSTRAINT chk_ai_wallet_nonnegative CHECK (
-        monthly_credits_used >= 0 AND monthly_credits_used <= monthly_credits_total
-        AND purchased_credits_used >= 0 AND purchased_credits_used <= purchased_credits_total
-        AND bonus_credits_used >= 0 AND bonus_credits_used <= bonus_credits_total
-        AND reserved_credits >= 0
-        AND locked_credits >= 0
-    )
-);
-
-CREATE TABLE ai_feature_costs (
-    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
-    feature_code VARCHAR(100) UNIQUE NOT NULL,
-    display_name VARCHAR(150) NOT NULL,
-    default_model VARCHAR(100) NOT NULL,
-    credit_cost INT NOT NULL,
-    max_input_tokens INT,
-    max_output_tokens INT,
-    min_plan_code VARCHAR(50),
-    priority VARCHAR(20) NOT NULL DEFAULT 'normal',
-    timeout_ms INT NOT NULL DEFAULT 15000,
-    rate_limit_per_minute INT,
-    retry_policy JSONB NOT NULL DEFAULT '{"max_retries": 1, "backoff_ms": 500}',
-    fallback_model VARCHAR(100),
-    is_active BOOLEAN NOT NULL DEFAULT TRUE,
-    created_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
-    updated_at TIMESTAMPTZ NOT NULL DEFAULT NOW()
-);
-
-CREATE TABLE ai_usage_logs (
-    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
-    user_id UUID NOT NULL REFERENCES users(id),
-    role_code VARCHAR(50),
-    feature_code VARCHAR(100) NOT NULL,
-    model_alias VARCHAR(100) NOT NULL,
-    credits_charged INT NOT NULL,
-    input_tokens INT,
-    output_tokens INT,
-    total_tokens INT,
-    cached_tokens INT,
-    provider_reported_cost NUMERIC(12, 6),
-    internal_cost NUMERIC(12, 6),
-    credit_unit_price_at_time NUMERIC(12, 6),
-    status VARCHAR(30) NOT NULL,
-    request_id VARCHAR(100),
-    error_message TEXT,
-    created_at TIMESTAMPTZ NOT NULL DEFAULT NOW()
-);
-
--- Immutable append-only ledger -- the source of truth for wallet balances
--- (Section 5 of the architecture doc). Application code must never UPDATE
--- or DELETE rows here; corrections are new rows referencing the row they
--- correct via reference_type='ledger_entry'/reference_id.
-CREATE TABLE ai_credit_ledger (
-    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
-    wallet_id UUID NOT NULL REFERENCES user_ai_subscriptions(id),
-    entry_type VARCHAR(40) NOT NULL,
-    credits INT NOT NULL,
-    balance_after INT NOT NULL,
-    idempotency_key VARCHAR(150) UNIQUE,
-    reference_type VARCHAR(50),
-    reference_id UUID,
-    actor_type VARCHAR(20) NOT NULL DEFAULT 'user',
-    actor_id UUID,
-    metadata JSONB,
-    created_at TIMESTAMPTZ NOT NULL DEFAULT NOW()
-);
-
--- Backs the reserve -> capture/release flow (Section 4.2). A background
--- reaper (Phase 1 follow-up, not yet implemented) releases `held` rows
--- past expires_at back to the wallet's available balance.
-CREATE TABLE ai_reservation_holds (
-    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
-    wallet_id UUID NOT NULL REFERENCES user_ai_subscriptions(id),
-    credits_held INT NOT NULL,
-    feature_code VARCHAR(100) NOT NULL,
-    request_id VARCHAR(150),
-    idempotency_key VARCHAR(150) UNIQUE,
-    status VARCHAR(20) NOT NULL DEFAULT 'held',
-    created_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
-    expires_at TIMESTAMPTZ NOT NULL DEFAULT (NOW() + INTERVAL '5 minutes'),
-    resolved_at TIMESTAMPTZ
-);
-
-CREATE INDEX idx_user_ai_subscriptions_user_id ON user_ai_subscriptions(user_id);
-CREATE INDEX idx_user_ai_subscriptions_plan_id ON user_ai_subscriptions(plan_id);
-CREATE INDEX idx_ai_usage_logs_user_id ON ai_usage_logs(user_id);
-CREATE INDEX idx_ai_usage_logs_feature_code ON ai_usage_logs(feature_code);
-CREATE INDEX idx_ai_usage_logs_created_at ON ai_usage_logs(created_at);
-CREATE INDEX idx_ai_credit_ledger_wallet_id ON ai_credit_ledger(wallet_id, created_at);
-CREATE INDEX idx_ai_credit_ledger_reference ON ai_credit_ledger(reference_type, reference_id);
-CREATE INDEX idx_ai_reservation_holds_wallet_id ON ai_reservation_holds(wallet_id);
-CREATE INDEX idx_ai_reservation_holds_status_expires ON ai_reservation_holds(status, expires_at) WHERE status = 'held';
-
--- Seed a minimal Free plan so ensure_wallet() always has a plan to assign
--- new users to. Feature costs / higher tiers are a Phase 3 (packages/
--- plans admin) concern, not seeded here to avoid inventing real prices in
--- a migration -- see Appendix Q4 of the architecture doc.
-INSERT INTO ai_plans (code, name, monthly_credits, daily_action_limit, daily_credit_limit, allowed_models, allowed_features)
-VALUES ('free', 'Free', 10, 3, 10, '["askash-fast"]', '[]');
-
-COMMIT;
diff --git a/docs/openapi.wallet-holds.json b/docs/openapi.wallet-holds.json
new file mode 100644
index 0000000..cc1de70
--- /dev/null
+++ b/docs/openapi.wallet-holds.json
@@ -0,0 +1,102 @@
+{
+  "openapi": "3.0.3",
+  "info": {
+    "title": "Nxtgauge — Wallet Holds (minimal, hand-maintained)",
+    "version": "1.0.0",
+    "description": "Covers only the routes deployed by the wallet-holds/printpdf release (see docs/LIVE_SERVER_RUNBOOK.md). This is deliberately narrow — the full backend has 341 routes across 19 services and none have utoipa annotations yet (tracked as a separate follow-up). Generated by hand from crates/contracts/src/profession_shared.rs (wallet_holds, wallet_release_hold) to give schemathesis something real to fuzz against today's change without taking on full OpenAPI generation."
+  },
+  "servers": [
+    { "url": "https://api.nxtgauge.com" }
+  ],
+  "security": [{ "bearerAuth": [] }],
+  "paths": {
+    "/api/photographers/wallet/me/holds": {
+      "get": {
+        "operationId": "listWalletHolds",
+        "summary": "List the authenticated professional's tracecoin holds",
+        "parameters": [
+          { "name": "page", "in": "query", "required": false, "schema": { "type": "integer", "minimum": 1 } },
+          { "name": "limit", "in": "query", "required": false, "schema": { "type": "integer", "minimum": 1, "maximum": 200 } }
+        ],
+        "responses": {
+          "200": {
+            "description": "Paginated list of holds",
+            "content": {
+              "application/json": {
+                "schema": {
+                  "type": "object",
+                  "required": ["data", "pagination"],
+                  "properties": {
+                    "data": { "type": "array", "items": { "$ref": "#/components/schemas/Hold" } },
+                    "pagination": { "$ref": "#/components/schemas/Pagination" }
+                  }
+                }
+              }
+            }
+          },
+          "401": { "description": "Missing/invalid JWT" },
+          "500": { "description": "Server error" }
+        }
+      }
+    },
+    "/api/photographers/wallet/me/holds/{id}/release": {
+      "post": {
+        "operationId": "releaseWalletHold",
+        "summary": "Release an ACTIVE hold owned by the authenticated professional",
+        "parameters": [
+          { "name": "id", "in": "path", "required": true, "schema": { "type": "string", "format": "uuid" } }
+        ],
+        "responses": {
+          "200": {
+            "description": "Hold released, tracecoins returned to available balance",
+            "content": {
+              "application/json": {
+                "schema": {
+                  "type": "object",
+                  "properties": { "message": { "type": "string" } }
+                }
+              }
+            }
+          },
+          "401": { "description": "Missing/invalid JWT" },
+          "404": { "description": "Hold not found or not owned by caller" },
+          "409": { "description": "Hold exists but is not ACTIVE (already SETTLED/RELEASED/EXPIRED)" },
+          "500": { "description": "Server error" }
+        }
+      }
+    }
+  },
+  "components": {
+    "securitySchemes": {
+      "bearerAuth": { "type": "http", "scheme": "bearer", "bearerFormat": "JWT" }
+    },
+    "schemas": {
+      "Hold": {
+        "type": "object",
+        "required": ["id", "wallet_id", "user_id", "amount", "reason", "status", "created_at"],
+        "properties": {
+          "id": { "type": "string", "format": "uuid" },
+          "wallet_id": { "type": "string", "format": "uuid" },
+          "user_id": { "type": "string", "format": "uuid" },
+          "amount": { "type": "integer" },
+          "reason": { "type": "string" },
+          "reference_id": { "type": "string", "format": "uuid", "nullable": true },
+          "status": { "type": "string", "enum": ["ACTIVE", "SETTLED", "RELEASED", "EXPIRED"] },
+          "expires_at": { "type": "string", "format": "date-time", "nullable": true },
+          "settled_at": { "type": "string", "format": "date-time", "nullable": true },
+          "settled_ledger_id": { "type": "string", "format": "uuid", "nullable": true },
+          "released_at": { "type": "string", "format": "date-time", "nullable": true },
+          "created_at": { "type": "string", "format": "date-time" }
+        }
+      },
+      "Pagination": {
+        "type": "object",
+        "required": ["page", "limit"],
+        "properties": {
+          "page": { "type": "integer" },
+          "limit": { "type": "integer" }
+        }
+      }
+    }
+  }
+}