diff --git a/configs/systemd/user/taler-landing-stats.service b/configs/systemd/user/taler-landing-stats.service
index 6273a72..cc6bd88 100644
--- a/configs/systemd/user/taler-landing-stats.service
+++ b/configs/systemd/user/taler-landing-stats.service
@@ -14,12 +14,14 @@ TimeoutStartSec=480
 # Do not keep "active" after run — timer may fire again cleanly
 RemainAfterExit=no
 Environment=TZ=Europe/Zurich
+# Stack overrides (goa / stage-testpaysan / custom) — optional
+EnvironmentFile=-%h/.config/taler-landing/stack.env
+# GOA defaults if stack.env absent
 Environment=ADMIN_LOG=%h/src/koopa/koopa-admin-log
 Environment=SECRETS_BANK=%h/src/koopa/koopa-admin-secrets/koopa/host-root/taler-bank
 Environment=BANK_URL=http://127.0.0.1:9012
 Environment=BANK_PUBLIC_URL=https://bank.hacktivism.ch
 Environment=EXCHANGE_CONFIG_URL=https://exchange.hacktivism.ch/config
-# All accounts except exchange (double-count of withdraw credits on exchange ledger)
 Environment=SCAN_SKIP=exchange
 Environment=TX_PAGE=500
 Environment=MAX_TX_PAGES=0
diff --git a/scripts/taler-exchange/landing-stats-exchange.sh b/scripts/taler-exchange/landing-stats-exchange.sh
index 35452d4..987e631 100644
--- a/scripts/taler-exchange/landing-stats-exchange.sh
+++ b/scripts/taler-exchange/landing-stats-exchange.sh
@@ -238,6 +238,7 @@ fi
 
 GEN=$(now_iso)
 HUMAN=$(now_human)
+GEN_UNIX=$(date +%s)
 num_or_null() { case "${1:-}" in ''|null) echo null ;; *) echo "$1" ;; esac; }
 
 MEM_JSON='"container_rss_human": "—"'
@@ -257,6 +258,7 @@ cat >"$TMP" <<EOF
   "timezone": $(json_str "$TZ"),
   "generated_at": $(json_str "$GEN"),
   "generated_at_human": $(json_str "$HUMAN"),
+  "generated_at_unix": ${GEN_UNIX},
   "reserves": ${RESERVES:-0},
   "wire_in_count": ${RESERVES_IN:-0},
   "wire_in_amount": $(json_str "$WIRE_IN_AMT"),
diff --git a/scripts/taler-landing/README.md b/scripts/taler-landing/README.md
index 0876695..f266ec7 100644
--- a/scripts/taler-landing/README.md
+++ b/scripts/taler-landing/README.md
@@ -1,12 +1,21 @@
-# taler-landing — central stats (hernani user systemd)
+# taler-landing — generic multi-stack landing stats
 
-Public landing numbers on
+One collector (`collect_bank_stats.py` + `collect-landing-stats.sh`) for any
+currency / stack. **Defaults = GOA / hacktivism**; stage TESTPAYSAN uses a
+profile file.
+
+Public landing numbers (example GOA):
 
 - https://bank.hacktivism.ch/intro/ → `stats.json`
 - https://exchange.hacktivism.ch/intro/ → `stats.json`
 - https://taler.hacktivism.ch/intro/ → `stats.json`
 
-are produced by **one host process** as user **`hernani`**, not by three unrelated in-container crons.
+Stage TESTPAYSAN (shared bank feed on all three hosts):
+
+- https://stage.bank.lefrancpaysan.ch/intro/stats.json  
+  (same file also under stage.exchange / stage.monnaie landings)
+
+Produced by **one host process** (user systemd timer), not three crons.
 
 ## Why host / user systemd
 
@@ -77,16 +86,37 @@ Preferred order:
 
 Explorer password optional (shared-pool balance).
 
+## Profiles
+
+| File | Stack |
+|------|--------|
+| `profiles/goa.env` | hacktivism GOA (container publish) |
+| `profiles/stage-testpaysan.env` | FrancPaysan stage; **shared** host `stats.json` |
+
+```bash
+# Stage (on stagepaysan):
+STACK_PROFILE=stage-testpaysan ./scripts/taler-landing/install-landing-stats-host.sh
+# or: francpaysan-admin-log/scripts/stagepaysan/install-landing-stats.sh
+```
+
+`~/.config/taler-landing/stack.env` is sourced on each run.
+
 ## Env overrides
 
 | Env | Default | Meaning |
 |-----|---------|---------|
 | `BANK_URL` | `http://127.0.0.1:9012` | libeufin loopback |
+| `BANK_CURRENCY` | *(auto)* | `GOA` / `TESTPAYSAN` / … |
 | `SCAN_SKIP` | `exchange` | usernames excluded from flow |
+| `COLLECT_BANK` / `_EXCHANGE` / `_MERCHANT` | `1` | phase switches |
+| `COLLECT_RESOURCES` | `1` | container RSS/loadavg merge |
+| `HOST_STATS_DIRS` | empty | space-separated host dirs for **shared** bank `stats.json` |
+| `PUBLISH_PODMAN` | `1` | also `podman cp` into container landings |
 | `TX_PAGE` | `500` | transactions page size |
 | `MAX_TX_PAGES` | `0` | `0` = unlimited pages / account |
 | `ACCOUNTS_DELTA` | `-10000` | account list window |
 | `ADMIN_LOG` | `%h/src/koopa/koopa-admin-log` | refresh in-container scripts |
+| `STATS_SOURCE_LABEL` | `host collect_bank_stats.py` | `stats.source` field |
 
 ## UI alt names
 
diff --git a/scripts/taler-landing/collect-landing-stats.sh b/scripts/taler-landing/collect-landing-stats.sh
index e49b00f..d3baa3b 100755
--- a/scripts/taler-landing/collect-landing-stats.sh
+++ b/scripts/taler-landing/collect-landing-stats.sh
@@ -1,10 +1,14 @@
 #!/usr/bin/env bash
-# Central landing-stats collector for hernani@koopa (user systemd timer).
+# Generic landing-stats orchestrator (any Taler stack).
 #
-# - Bank: full account+ledger scan via collect_bank_stats.py → bank container
-# - Exchange / merchant: existing in-container scripts, then amount_alt enrich
-# - All three: container RSS / loadavg / top procs via mem-snapshot (podman exec)
-# - Never wipes a good stats.json on failure (writes stats-run.json only)
+# Defaults = GOA / hacktivism on koopa. Override via env or EnvironmentFile
+# (see profiles: goa | stage-testpaysan).
+#
+# - Bank: collect_bank_stats.py (currency-agnostic) → stats.json
+# - Optional: exchange / merchant in-container generators
+# - Optional: container RSS/loadavg merge
+# - Publish: podman into container landings and/or host dirs (shared bank stats)
+# - Never wipes a good stats.json on failure (stats-run.json only)
 #
 # Install: scripts/taler-landing/install-landing-stats-host.sh
 set -euo pipefail
@@ -12,6 +16,20 @@ set -euo pipefail
 export TZ="${TZ:-Europe/Zurich}"
 export PATH="${HOME}/.local/bin:/usr/local/bin:/usr/bin:/bin${PATH:+:$PATH}"
 
+# Optional stack profile: ~/.config/taler-landing/stack.env or STACK_ENV_FILE
+if [ -n "${STACK_ENV_FILE:-}" ] && [ -f "${STACK_ENV_FILE}" ]; then
+  # shellcheck disable=SC1090
+  set -a
+  # shellcheck source=/dev/null
+  . "${STACK_ENV_FILE}"
+  set +a
+elif [ -f "${HOME}/.config/taler-landing/stack.env" ]; then
+  set -a
+  # shellcheck source=/dev/null
+  . "${HOME}/.config/taler-landing/stack.env"
+  set +a
+fi
+
 log() { printf '%s %s\n' "$(date -Iseconds)" "$*"; }
 
 ROOT="$(cd "$(dirname "$0")" && pwd)"
@@ -22,6 +40,8 @@ elif [ -f "${HOME}/.local/lib/taler-landing/collect_bank_stats.py" ]; then
   LIB="${HOME}/.local/lib/taler-landing"
 elif [ -f "${HOME}/src/koopa/koopa-admin-log/scripts/taler-landing/collect_bank_stats.py" ]; then
   LIB="${HOME}/src/koopa/koopa-admin-log/scripts/taler-landing"
+elif [ -f "${HOME}/taler/src/koopa-admin-log/scripts/taler-landing/collect_bank_stats.py" ]; then
+  LIB="${HOME}/taler/src/koopa-admin-log/scripts/taler-landing"
 else
   LIB="$ROOT"
 fi
@@ -29,6 +49,13 @@ fi
 ADMIN_LOG="${ADMIN_LOG:-${HOME}/src/koopa/koopa-admin-log}"
 SECRETS_BANK="${SECRETS_BANK:-${HOME}/src/koopa/koopa-admin-secrets/koopa/host-root/taler-bank}"
 
+# Which phases to run (1/0)
+COLLECT_BANK="${COLLECT_BANK:-1}"
+COLLECT_EXCHANGE="${COLLECT_EXCHANGE:-1}"
+COLLECT_MERCHANT="${COLLECT_MERCHANT:-1}"
+COLLECT_RESOURCES="${COLLECT_RESOURCES:-1}"
+
+# Containers (empty = skip podman publish for that role)
 BANK_CTR="${BANK_CTR:-taler-hacktivism-bank}"
 EX_CTR="${EX_CTR:-taler-hacktivism-exchange-ansible}"
 MER_CTR="${MER_CTR:-taler-hacktivism}"
@@ -36,10 +63,19 @@ MER_CTR="${MER_CTR:-taler-hacktivism}"
 BANK_URL="${BANK_URL:-http://127.0.0.1:9012}"
 BANK_PUBLIC_URL="${BANK_PUBLIC_URL:-https://bank.hacktivism.ch}"
 EXCHANGE_CONFIG_URL="${EXCHANGE_CONFIG_URL:-https://exchange.hacktivism.ch/config}"
+BANK_CURRENCY="${BANK_CURRENCY:-}"  # empty → auto from bank/exchange /config
+STATS_SOURCE_LABEL="${STATS_SOURCE_LABEL:-host collect_bank_stats.py}"
 
+# In-container landing roots (podman publish)
 BANK_LANDING_IN="${BANK_LANDING_IN:-/var/www/bank-landing}"
 EX_LANDING_IN="${EX_LANDING_IN:-/var/www/exchange-landing}"
 MER_LANDING_IN="${MER_LANDING_IN:-/var/www/merchant-landing}"
+PUBLISH_PODMAN="${PUBLISH_PODMAN:-1}"
+
+# Host dirs that should get the *same* bank stats.json (shared public feed).
+# Colon-separated (systemd EnvironmentFile-safe). Example stage:
+#   HOST_STATS_DIRS=/var/www/lfp-stage/bank:/var/www/lfp-stage/exchange:/var/www/lfp-stage/merchant
+HOST_STATS_DIRS="${HOST_STATS_DIRS:-}"
 
 WORKDIR="${LANDING_STATS_WORKDIR:-${XDG_RUNTIME_DIR:-/tmp}/taler-landing-stats}"
 mkdir -p "$WORKDIR"
@@ -64,7 +100,9 @@ MEM_SRC="${MEM_SNAPSHOT_SRC:-$ADMIN_LOG/scripts/taler-shared/mem-snapshot.sh}"
 
 merge_container_resources() {
   local label="$1" ctr="$2" stats_file="$3"
+  [ "${COLLECT_RESOURCES}" = "1" ] || return 0
   [ -f "$stats_file" ] || return 0
+  [ -n "$ctr" ] || return 0
   if ! ctr_running "$ctr"; then
     log "WARN: $label resources: $ctr not running"
     return 1
@@ -95,6 +133,36 @@ merge_container_resources() {
   return 0
 }
 
+# Write stats.json into host directories (shared feed: same file everywhere).
+publish_host_stats() {
+  local src_stats="$1" src_run="${2:-}"
+  [ -n "${HOST_STATS_DIRS:-}" ] || return 0
+  [ -f "$src_stats" ] || return 0
+  local d paths
+  # Accept colon or space separators
+  paths=$(printf '%s' "$HOST_STATS_DIRS" | tr ': ' '\n' | sed '/^$/d')
+  while IFS= read -r d; do
+    [ -n "$d" ] || continue
+    if [ -d "$d" ] || mkdir -p "$d" 2>/dev/null; then
+      if cp -f "$src_stats" "${d}/stats.json" 2>/dev/null; then
+        chmod a+r "${d}/stats.json" 2>/dev/null || true
+        [ -n "$src_run" ] && [ -f "$src_run" ] && cp -f "$src_run" "${d}/stats-run.json" 2>/dev/null || true
+        log "host: published ${d}/stats.json"
+        continue
+      fi
+    fi
+    if command -v sudo >/dev/null 2>&1 && sudo -n true 2>/dev/null; then
+      sudo mkdir -p "$d" 2>/dev/null || true
+      sudo cp -f "$src_stats" "${d}/stats.json"
+      sudo chmod a+r "${d}/stats.json" 2>/dev/null || true
+      [ -n "$src_run" ] && [ -f "$src_run" ] && sudo cp -f "$src_run" "${d}/stats-run.json" 2>/dev/null || true
+      log "host: published ${d}/stats.json (sudo)"
+    else
+      log "WARN: cannot write ${d}/stats.json (need write or passwordless sudo)"
+    fi
+  done <<<"$paths"
+}
+
 read_pass() {
   local name="$1" f
   for f in \
@@ -107,11 +175,25 @@ read_pass() {
       return 0
     fi
   done
-  # container (hernani can podman exec root files inside owned containers)
-  if podman inspect -f '{{.State.Running}}' "$BANK_CTR" 2>/dev/null | grep -qx true; then
-    if podman exec "$BANK_CTR" test -r "/root/${name}" 2>/dev/null; then
-      podman exec "$BANK_CTR" cat "/root/${name}" 2>/dev/null | tr -d '\n'
-      return 0
+  # container secrets: /root/… (GOA) or /data/secrets/… (FrancPaysan stage)
+  if [ -n "${BANK_CTR:-}" ] && podman inspect -f '{{.State.Running}}' "$BANK_CTR" 2>/dev/null | grep -qx true; then
+    for path in "/root/${name}" "/data/secrets/${name}" "/data/secrets/bank-admin-password.txt"; do
+      case "$path" in
+        *bank-admin-password.txt)
+          [ "$name" = "bank-admin-password.txt" ] || continue
+          ;;
+      esac
+      if podman exec "$BANK_CTR" test -r "$path" 2>/dev/null; then
+        podman exec "$BANK_CTR" cat "$path" 2>/dev/null | tr -d '\n\r'
+        return 0
+      fi
+    done
+    # stage explorer secret naming
+    if [ "$name" = "bank-explorer-password.txt" ]; then
+      if podman exec "$BANK_CTR" test -r /data/secrets/bank-explorer-password.txt 2>/dev/null; then
+        podman exec "$BANK_CTR" cat /data/secrets/bank-explorer-password.txt 2>/dev/null | tr -d '\n\r'
+        return 0
+      fi
     fi
   fi
   return 1
@@ -123,6 +205,8 @@ ctr_running() {
 
 publish_json() {
   local ctr="$1" dest_dir="$2" src_stats="$3" src_run="$4"
+  [ "${PUBLISH_PODMAN}" = "1" ] || return 0
+  [ -n "$ctr" ] || return 0
   if ! ctr_running "$ctr"; then
     log "WARN: $ctr not running — skip publish $dest_dir"
     return 1
@@ -166,6 +250,7 @@ collect_bank() {
   BANK_URL="$BANK_URL" \
   BANK_PUBLIC_URL="$BANK_PUBLIC_URL" \
   EXCHANGE_CONFIG_URL="$EXCHANGE_CONFIG_URL" \
+  BANK_CURRENCY="${BANK_CURRENCY:-}" \
   BANK_ADMIN_PASS="$admin_pass" \
   BANK_EXPLORER_PASS="$explorer_pass" \
   DEMO_DIR="${demo_dir}" \
@@ -173,6 +258,7 @@ collect_bank() {
   TX_PAGE="${TX_PAGE:-500}" \
   MAX_TX_PAGES="${MAX_TX_PAGES:-0}" \
   ACCOUNTS_DELTA="${ACCOUNTS_DELTA:--10000}" \
+  STATS_SOURCE_LABEL="$STATS_SOURCE_LABEL" \
   "$PY" "$LIB/collect_bank_stats.py" \
     --out "$WORKDIR/bank-stats.json" \
     --run-out "$WORKDIR/bank-stats-run.json" \
@@ -181,11 +267,13 @@ collect_bank() {
   set -e
 
   if [ "$ec_bank" -eq 0 ] && [ -f "$WORKDIR/bank-stats.json" ]; then
-    # Always attach in-container RSS/loadavg (not host /proc)
+    # Optional: attach in-container RSS/loadavg (not host /proc)
     merge_container_resources bank "$BANK_CTR" "$WORKDIR/bank-stats.json" || true
     publish_json "$BANK_CTR" "$BANK_LANDING_IN" \
       "$WORKDIR/bank-stats.json" "$WORKDIR/bank-stats-run.json"
-    log "bank: OK → ${BANK_CTR}:${BANK_LANDING_IN}/stats.json"
+    # Shared public feed: same bank stats on all HOST_STATS_DIRS (bank/ex/merchant landings)
+    publish_host_stats "$WORKDIR/bank-stats.json" "$WORKDIR/bank-stats-run.json"
+    log "bank: OK (podman=${BANK_CTR:-none} host_dirs=${HOST_STATS_DIRS:-none})"
   else
     log "ERROR: bank collect failed (ec=$ec_bank) — previous stats.json kept"
     [ -f "$WORKDIR/bank-stats-run.json" ] || \
@@ -272,13 +360,26 @@ collect_merchant() {
 
 # ---------------------------------------------------------------------------
 main() {
-  log "=== taler-landing-stats start (user=$(id -un) lib=$LIB) ==="
-  collect_bank || ec_bank=$?
-  collect_exchange || ec_ex=$?
-  collect_merchant || ec_mer=$?
+  log "=== taler-landing-stats start (user=$(id -un) lib=$LIB currency=${BANK_CURRENCY:-auto}) ==="
+  log "phases bank=${COLLECT_BANK} exchange=${COLLECT_EXCHANGE} merchant=${COLLECT_MERCHANT} resources=${COLLECT_RESOURCES}"
+  if [ "${COLLECT_BANK}" = "1" ]; then
+    collect_bank || ec_bank=$?
+  else
+    log "skip bank collect"
+  fi
+  if [ "${COLLECT_EXCHANGE}" = "1" ]; then
+    collect_exchange || ec_ex=$?
+  else
+    log "skip exchange collect"
+  fi
+  if [ "${COLLECT_MERCHANT}" = "1" ]; then
+    collect_merchant || ec_mer=$?
+  else
+    log "skip merchant collect"
+  fi
   log "=== done bank=$ec_bank exchange=$ec_ex merchant=$ec_mer ==="
   # non-zero if bank failed (primary public flow numbers); soft on ex/mer
-  if [ "$ec_bank" -ne 0 ]; then
+  if [ "${COLLECT_BANK}" = "1" ] && [ "$ec_bank" -ne 0 ]; then
     return 1
   fi
   return 0
diff --git a/scripts/taler-landing/collect_bank_stats.py b/scripts/taler-landing/collect_bank_stats.py
index 096eae7..b8d4398 100755
--- a/scripts/taler-landing/collect_bank_stats.py
+++ b/scripts/taler-landing/collect_bank_stats.py
@@ -1,23 +1,22 @@
 #!/usr/bin/env python3
 """Full-scan bank landing stats (all accounts, all ledger money).
 
-Run on koopa as hernani (or anywhere with admin API access). Writes stats.json
-compatible with bank.hacktivism.ch/intro/ plus amount_alt fields for compact UI.
+Generic for any currency stack (GOA, TESTPAYSAN, KUDOS, …). Run on the ops host
+(with admin API access). Writes stats.json for public landings + amount_alt.
 
 Env (selected):
   BANK_URL              default http://127.0.0.1:9012
+  BANK_CURRENCY         optional; else from exchange /config or first ledger amount
   BANK_ADMIN_USER       default admin
   BANK_ADMIN_PASS       or BANK_ADMIN_PASS_FILE / pass via --admin-pass-file
   BANK_EXPLORER_USER    default explorer
   BANK_EXPLORER_PASS    optional (balance_explorer)
-  EXCHANGE_CONFIG_URL   for alt_unit_names (default https://exchange.hacktivism.ch/config)
+  EXCHANGE_CONFIG_URL   for alt_unit_names + currency
+  BANK_PUBLIC_URL       public base for latency probes
   OUT                   output path (default stdout if -)
   SCAN_SKIP             comma usernames excluded from flow (default: exchange)
-  TX_PAGE               page size for transactions delta (default 500)
-  MAX_TX_PAGES          0 = unlimited pages per account (default 0)
-  ACCOUNTS_DELTA        GET /accounts?delta= (default -10000)
-  RECENT_WD_N           recent withdraws (default 10)
-  TZ                    default Europe/Zurich
+  TX_PAGE / MAX_TX_PAGES / ACCOUNTS_DELTA / RECENT_WD_N / TZ
+  STATS_SOURCE_LABEL    optional string in stats.source field
 """
 from __future__ import annotations
 
@@ -343,6 +342,11 @@ def main() -> int:
         "--exchange-config",
         default=env("EXCHANGE_CONFIG_URL", "https://exchange.hacktivism.ch/config"),
     )
+    ap.add_argument(
+        "--currency",
+        default=env("BANK_CURRENCY", ""),
+        help="ledger currency code (optional; else exchange /config or first amount)",
+    )
     ap.add_argument("--out", default=env("OUT", "-"))
     ap.add_argument("--run-out", default=env("RUN_OUT", ""))
     ap.add_argument(
@@ -364,6 +368,11 @@ def main() -> int:
     )
     ap.add_argument("--recent", type=int, default=int(env("RECENT_WD_N", "10") or "10"))
     ap.add_argument("--public-base", default=env("BANK_PUBLIC_URL", "https://bank.hacktivism.ch"))
+    ap.add_argument(
+        "--source-label",
+        default=env("STATS_SOURCE_LABEL", "host collect_bank_stats.py"),
+        help="stats.source field (identify stack / collector)",
+    )
     args = ap.parse_args()
 
     tz_name = env("TZ", "Europe/Zurich") or "Europe/Zurich"
@@ -378,6 +387,7 @@ def main() -> int:
 
     bank = args.bank.rstrip("/")
     skip = {s.strip() for s in (args.skip or "").split(",") if s.strip()}
+    currency_hint = (args.currency or "").strip().upper()
 
     def write_run(ok: bool, err: Optional[str] = None) -> None:
         if not args.run_out:
@@ -397,6 +407,24 @@ def main() -> int:
             raise RuntimeError("no admin password (BANK_ADMIN_PASS or --admin-pass-file)")
         token = get_token(bank, args.admin_user, admin_pass)
         alt = load_alt_from_config(args.exchange_config)
+        # Currency: explicit → exchange /config → first ledger amount → GOA
+        currency = currency_hint
+        if not currency:
+            try:
+                code_c, cfg_d, _ = http_json(args.exchange_config, timeout=12)
+                if code_c == 200 and isinstance(cfg_d, dict) and cfg_d.get("currency"):
+                    currency = str(cfg_d["currency"]).strip().upper()
+            except Exception:
+                pass
+        if not currency:
+            try:
+                code_c, cfg_d, _ = http_json(f"{bank}/config", timeout=12)
+                if code_c == 200 and isinstance(cfg_d, dict) and cfg_d.get("currency"):
+                    currency = str(cfg_d["currency"]).strip().upper()
+            except Exception:
+                pass
+        if not currency:
+            currency = "GOA"
         if not alt:
             alt = dict(DEFAULT_ALT)
 
@@ -442,13 +470,24 @@ def main() -> int:
                 except Exception:
                     continue
                 low = (subject or "").lower()
+                # Normalise bare numbers to stack currency
+                if ":" not in str(amount):
+                    amount = f"{currency}:{amount}"
+                else:
+                    # adopt ledger currency if we only had a hint
+                    try:
+                        cur0, _n0 = parse_amount(amount)
+                        if cur0 and currency_hint == "" and cur0.upper() != "GOA":
+                            currency = cur0.upper()
+                    except Exception:
+                        pass
                 if direction == "credit":
                     total_in += n
                     n_incoming += 1
                     incomings.append(
                         {
                             "kind": "incoming",
-                            "amount": amount if ":" in amount else f"GOA:{amount}",
+                            "amount": amount,
                             "at_unix": ts,
                             "account": uname,
                             "subject": subject,
@@ -460,7 +499,7 @@ def main() -> int:
                     withdraws.append(
                         {
                             "kind": "withdraw",
-                            "amount": amount if ":" in amount else f"GOA:{amount}",
+                            "amount": amount,
                             "at_unix": ts,
                             "account": uname,
                             "subject": subject,
@@ -503,7 +542,7 @@ def main() -> int:
         users_n = sum(1 for u in accounts if u not in ("admin", "exchange"))
 
         def pack_amt(d: Decimal) -> Dict[str, Any]:
-            f = format_amount_alt(f"GOA:{d}", alt)
+            f = format_amount_alt(f"{currency}:{d}", alt)
             return {
                 "amount": f["amount"],
                 "amount_alt": f["amount_alt"],
@@ -567,10 +606,11 @@ def main() -> int:
                 }
             )
 
-        # explorer balance
-        balance = "GOA:0"
-        bal_alt = "GOA:0"
-        bal_full = "GOA:0"
+        # explorer / pool balance (shared demo account when present)
+        zero = f"{currency}:0"
+        balance = zero
+        bal_alt = zero
+        bal_full = zero
         if explorer_pass:
             try:
                 etok = get_token(bank, args.explorer_user, explorer_pass)
@@ -583,7 +623,7 @@ def main() -> int:
                     balance = str(
                         data.get("balance", {}).get("amount")
                         if isinstance(data.get("balance"), dict)
-                        else data.get("amount") or data.get("balance") or "GOA:0"
+                        else data.get("amount") or data.get("balance") or zero
                     )
                     # sometimes balance is object with amount
                     if isinstance(data.get("balance"), dict) and data["balance"].get(
@@ -608,7 +648,7 @@ def main() -> int:
                 )
                 if code == 200 and isinstance(data, dict):
                     if isinstance(data.get("balance"), dict):
-                        balance = str(data["balance"].get("amount") or "GOA:0")
+                        balance = str(data["balance"].get("amount") or zero)
                     elif data.get("amount"):
                         balance = str(data["amount"])
                     bf = format_amount_alt(balance, alt)
@@ -637,12 +677,12 @@ def main() -> int:
 
         stats = {
             "ok": True,
-            "currency": "GOA",
+            "currency": currency,
             "timezone": tz_name,
             "generated_at": gen_iso,
             "generated_at_human": gen_human,
             "generated_at_unix": now_u,
-            "source": "host collect_bank_stats.py (hernani systemd)",
+            "source": str(args.source_label or "host collect_bank_stats.py"),
             "bank_url": bank,
             "scan": {
                 "tx_page": args.tx_page,
diff --git a/scripts/taler-landing/install-landing-stats-host.sh b/scripts/taler-landing/install-landing-stats-host.sh
index 7c572f0..4a26217 100755
--- a/scripts/taler-landing/install-landing-stats-host.sh
+++ b/scripts/taler-landing/install-landing-stats-host.sh
@@ -1,35 +1,41 @@
 #!/usr/bin/env bash
-# Install central landing-stats collector as hernani user systemd timer.
+# Install generic landing-stats collector as user systemd timer.
 #
-# On koopa:
+# GOA / koopa (default):
 #   cd ~/src/koopa/koopa-admin-log
 #   ./scripts/taler-landing/install-landing-stats-host.sh
-#   systemctl --user start taler-landing-stats.service   # one-shot now
-#   systemctl --user status taler-landing-stats.timer
 #
-# Requires: linger enabled for hernani (loginctl enable-linger hernani)
-# so the timer runs without an interactive login.
+# Stage TESTPAYSAN (stagepaysan on francpaysan host):
+#   STACK_PROFILE=stage-testpaysan ./scripts/taler-landing/install-landing-stats-host.sh
+#   # or from francpaysan-admin-log: ./scripts/stagepaysan/install-landing-stats.sh
+#
+# Optional: STACK_ENV_FILE=/path/to/profile.env
+# Requires linger: sudo loginctl enable-linger $USER
 set -euo pipefail
 
 ROOT="$(cd "$(dirname "$0")/../.." && pwd)"
 ADMIN_LOG="${ADMIN_LOG:-$ROOT}"
 SRC="$ADMIN_LOG/scripts/taler-landing"
 UNIT_SRC="$ADMIN_LOG/configs/systemd/user"
+PROFILE="${STACK_PROFILE:-goa}"
 
 BIN_DST="${HOME}/.local/bin"
 LIB_DST="${HOME}/.local/lib/taler-landing"
 UNIT_DST="${HOME}/.config/systemd/user"
 STATE_DST="${HOME}/.local/state/taler-landing-stats"
+CFG_DST="${HOME}/.config/taler-landing"
 
-mkdir -p "$BIN_DST" "$LIB_DST" "$UNIT_DST" "$STATE_DST"
+mkdir -p "$BIN_DST" "$LIB_DST" "$UNIT_DST" "$STATE_DST" "$CFG_DST"
 
 install -m 0755 "$SRC/collect-landing-stats.sh" "$BIN_DST/collect-landing-stats.sh"
 install -m 0755 "$SRC/collect_bank_stats.py" "$LIB_DST/collect_bank_stats.py"
 install -m 0755 "$SRC/enrich_stats_alt.py" "$LIB_DST/enrich_stats_alt.py"
 install -m 0755 "$SRC/merge_resources.py" "$LIB_DST/merge_resources.py"
 install -m 0755 "$SRC/collect_container_resources.sh" "$LIB_DST/collect_container_resources.sh"
-install -m 0755 "$SRC/test-landing-stats.sh" "$BIN_DST/test-landing-stats.sh" 2>/dev/null || \
-  install -m 0755 "$SRC/test-landing-stats.sh" "$LIB_DST/test-landing-stats.sh"
+if [ -f "$SRC/test-landing-stats.sh" ]; then
+  install -m 0755 "$SRC/test-landing-stats.sh" "$BIN_DST/test-landing-stats.sh" 2>/dev/null || \
+    install -m 0755 "$SRC/test-landing-stats.sh" "$LIB_DST/test-landing-stats.sh"
+fi
 install -m 0644 "$SRC/goa_amounts.py" "$LIB_DST/goa_amounts.py"
 # mem-snapshot helper lives in taler-shared (copied into containers at collect time)
 if [ -f "$ADMIN_LOG/scripts/taler-shared/mem-snapshot.sh" ]; then
@@ -37,18 +43,34 @@ if [ -f "$ADMIN_LOG/scripts/taler-shared/mem-snapshot.sh" ]; then
     "$LIB_DST/mem-snapshot.sh"
 fi
 
-# Wrapper always uses installed lib next to itself when LIB discovery works;
-# also point ADMIN_LOG for in-container script refresh.
+# Stack profile → ~/.config/taler-landing/stack.env (sourced by collector)
+if [ -n "${STACK_ENV_FILE:-}" ] && [ -f "${STACK_ENV_FILE}" ]; then
+  install -m 0644 "${STACK_ENV_FILE}" "$CFG_DST/stack.env"
+elif [ -f "$SRC/profiles/${PROFILE}.env" ]; then
+  install -m 0644 "$SRC/profiles/${PROFILE}.env" "$CFG_DST/stack.env"
+else
+  echo "WARN: no profile ${PROFILE}.env — collector uses built-in GOA defaults" >&2
+fi
+
 install -m 0644 "$UNIT_SRC/taler-landing-stats.service" "$UNIT_DST/"
 install -m 0644 "$UNIT_SRC/taler-landing-stats.timer" "$UNIT_DST/"
 
-# Rewrite ExecStart to installed binary if unit uses %h path — units already do.
+# Point unit EnvironmentFile at stack profile
+if grep -q '^EnvironmentFile=' "$UNIT_DST/taler-landing-stats.service" 2>/dev/null; then
+  :
+else
+  # inject after [Service]
+  sed -i '/^\[Service\]/a EnvironmentFile=-%h/.config/taler-landing/stack.env' \
+    "$UNIT_DST/taler-landing-stats.service"
+fi
+
 systemctl --user daemon-reload
 systemctl --user enable --now taler-landing-stats.timer
 
-echo "Installed (user=$(id -un)):"
+echo "Installed (user=$(id -un) profile=${PROFILE}):"
 echo "  $BIN_DST/collect-landing-stats.sh"
 echo "  $LIB_DST/{collect_bank_stats,enrich_stats_alt,goa_amounts}.py"
+echo "  $CFG_DST/stack.env"
 echo "  $UNIT_DST/taler-landing-stats.{service,timer} (timer enabled)"
 echo "  logs: $STATE_DST/"
 echo
@@ -61,8 +83,6 @@ echo "Run once now:"
 echo "  systemctl --user start taler-landing-stats.service"
 echo "  journalctl --user -u taler-landing-stats.service -n 40 --no-pager"
 echo
-echo "Optional secrets (if not readable via podman exec bank /root/…):"
-echo "  mkdir -p ~/.config/taler-landing"
-echo "  cp …/bank-admin-password.txt ~/.config/taler-landing/"
-echo "  cp …/bank-explorer-password.txt ~/.config/taler-landing/"
-echo "  chmod 600 ~/.config/taler-landing/*"
+echo "Secrets (if not via podman exec bank):"
+echo "  mkdir -p ~/.config/taler-landing && chmod 700 ~/.config/taler-landing"
+echo "  # bank-admin-password.txt  bank-explorer-password.txt"
diff --git a/scripts/taler-landing/profiles/goa.env b/scripts/taler-landing/profiles/goa.env
new file mode 100644
index 0000000..08c357a
--- /dev/null
+++ b/scripts/taler-landing/profiles/goa.env
@@ -0,0 +1,18 @@
+# Stack profile: GOA / hacktivism
+# systemd EnvironmentFile: KEY=value only (no export)
+BANK_CTR=taler-hacktivism-bank
+EX_CTR=taler-hacktivism-exchange-ansible
+MER_CTR=taler-hacktivism
+BANK_URL=http://127.0.0.1:9012
+BANK_PUBLIC_URL=https://bank.hacktivism.ch
+EXCHANGE_CONFIG_URL=https://exchange.hacktivism.ch/config
+BANK_CURRENCY=GOA
+BANK_LANDING_IN=/var/www/bank-landing
+EX_LANDING_IN=/var/www/exchange-landing
+MER_LANDING_IN=/var/www/merchant-landing
+COLLECT_BANK=1
+COLLECT_EXCHANGE=1
+COLLECT_MERCHANT=1
+COLLECT_RESOURCES=1
+PUBLISH_PODMAN=1
+STATS_SOURCE_LABEL="host collect_bank_stats.py goa hacktivism"
diff --git a/scripts/taler-landing/profiles/stage-testpaysan.env b/scripts/taler-landing/profiles/stage-testpaysan.env
new file mode 100644
index 0000000..b63a58c
--- /dev/null
+++ b/scripts/taler-landing/profiles/stage-testpaysan.env
@@ -0,0 +1,22 @@
+# Stack profile: FrancPaysan stage / TESTPAYSAN (ops user stagepaysan)
+# systemd EnvironmentFile: KEY=value only (no export, no shell expansion)
+BANK_CTR=stage-lfp-bank
+EX_CTR=stage-lfp-exchange-ansible
+MER_CTR=stage-lfp-merchant
+BANK_URL=http://127.0.0.1:9032
+BANK_PUBLIC_URL=https://stage.bank.lefrancpaysan.ch
+EXCHANGE_CONFIG_URL=https://stage.exchange.lefrancpaysan.ch/config
+BANK_CURRENCY=TESTPAYSAN
+SCAN_SKIP=exchange
+BANK_LANDING_IN=/data/var/www
+EX_LANDING_IN=/data/var/www
+MER_LANDING_IN=/data/var/www
+# Shared public feed: one bank scan → same stats.json on all three Caddy landings
+# Colon-separated for systemd EnvironmentFile
+HOST_STATS_DIRS=/var/www/lfp-stage/bank:/var/www/lfp-stage/exchange:/var/www/lfp-stage/merchant
+COLLECT_BANK=1
+COLLECT_EXCHANGE=0
+COLLECT_MERCHANT=0
+COLLECT_RESOURCES=0
+PUBLISH_PODMAN=1
+STATS_SOURCE_LABEL="host collect_bank_stats.py stage TESTPAYSAN shared"
diff --git a/scripts/taler-merchant/landing-stats-merchant.sh b/scripts/taler-merchant/landing-stats-merchant.sh
index cee1bc7..15c5f9b 100644
--- a/scripts/taler-merchant/landing-stats-merchant.sh
+++ b/scripts/taler-merchant/landing-stats-merchant.sh
@@ -363,6 +363,7 @@ CUR_JSON="${CUR_JSON}
 
 GEN=$(now_iso)
 HUMAN=$(now_human)
+GEN_UNIX=$(date +%s)
 
 # Live performance probes (exchange-style)
 measure_ms() {
@@ -406,6 +407,7 @@ cat >"$TMP" <<EOF
   "timezone": $(json_str "$TZ"),
   "generated_at": $(json_str "$GEN"),
   "generated_at_human": $(json_str "$HUMAN"),
+  "generated_at_unix": ${GEN_UNIX},
   "instances": ${INSTANCES:-0},
   "orders": ${TOTAL_CONTRACTS:-0},
   "paid": ${TOTAL_PAID:-0},
diff --git a/scripts/taler-monitoring/README.md b/scripts/taler-monitoring/README.md
index 3f75b91..c422bb7 100644
--- a/scripts/taler-monitoring/README.md
+++ b/scripts/taler-monitoring/README.md
@@ -1,24 +1,26 @@
 # taler-monitoring
 
-Report for the **GOA** stack with clear severity tags and **per-area test IDs**:
+Report for the **GOA** stack with boxed severity badges and **grouped test IDs**
+`area.group-NN` (e.g. `www.exchange-01`, `e2e.pay-03`):
 
 | Tag | Meaning |
 |-----|---------|
-| `[OK]` | check passed |
-| `[INFO]` | inside status (container, ports, log noise) |
-| `[WARN]` | degraded but maybe not fatal |
-| `[ERROR]` | component problem |
-| `[BLOCKER]` | **withdraw/pay path cannot complete** because of this |
+| `┌ OK ┐` | check passed |
+| `┌ INFO ┐` | status / note |
+| `┌ WARN ┐` | degraded but maybe not fatal |
+| `┌ ERROR ┐` | component problem |
+| `┌ BLOCKER ┐` | **withdraw/pay path cannot complete** because of this |
 
-IDs: **`www-001`**, **`inside-001`**, **`versions-001`**, **`sanity-001`**, **`server-001`**, **`e2e-001`** …  
+IDs reset per **group** inside an area — so “too many www tests” become
+`www.exchange-*`, `www.bank-*`, `www.landing-*`, etc.  
 Catalog: **[TESTS.md](./TESTS.md)**.
 
 ```text
-[OK]    www-001  exchange /config https://exchange…/config
-[BLOCKER] e2e-015  prereq: merchant HTTP 502
+┌ OK    ┐ www.exchange-01  exchange /config · HTTP 200
+┌ BLOCKER┐ e2e.prereq-02   merchant HTTP 502
 ```
 
-End of each phase: totals + list of **BLOCKERS** and **ERRORS**.
+End of each phase: totals + list of **BLOCKERS** and **ERRORS** (ids included).
 
 ## Commands
 
@@ -41,8 +43,27 @@ End of each phase: totals + list of **BLOCKERS** and **ERRORS**.
 ./taler-monitoring.sh --bank https://bank.demo.taler.net \
   --exchange https://exchange.demo.taler.net \
   --merchant https://backend.demo.taler.net --currency KUDOS urls
+
+# Landing stats.json freshness (outside-in; age via generated_at_unix)
+STATS_STALE_SECS=900 STATS_FAIL_SECS=3600 ./taler-monitoring.sh -d stage.lefrancpaysan.ch urls
 ```
 
+### Landing `stats.json` (www.stats)
+
+Public `GET …/intro/stats.json` must expose timestamps so monitoring can tell
+whether the collector is still updating:
+
+| Field | Role |
+|-------|------|
+| `generated_at_unix` | epoch seconds — **preferred** for age = now − unix |
+| `generated_at` | ISO-8601 (fallback if unix missing) |
+| `generated_at_human` | UI “updated” / footer string |
+
+Also checks display payloads (bank-shape `withdraws` / accounts, or exchange-db /
+merchant-db counters). Soft WARN if age &gt; `STATS_STALE_SECS` (default 900);
+ERROR if age &gt; `STATS_FAIL_SECS` (default 3600; set `0` to disable).
+Stage shared feed: same `gen_unix` on bank + exchange + monnaies.
+
 ## Domain profiles (`domains.conf`)
 
 Each monitored stack must say **what is bank, exchange, and merchant-backend**.
diff --git a/scripts/taler-monitoring/TESTS.md b/scripts/taler-monitoring/TESTS.md
index 6999b77..022de8b 100644
--- a/scripts/taler-monitoring/TESTS.md
+++ b/scripts/taler-monitoring/TESTS.md
@@ -1,217 +1,132 @@
-# taler-monitoring — test IDs by area
+# taler-monitoring — grouped test IDs
 
-Every check line is numbered **per area** as `AREA-NNN` (zero-padded):
-
-| Area | Phase script | Meaning |
-|------|--------------|---------|
-| **www** | `check_urls.sh` | public HTTPS (outside-in) |
-| **inside** | `check_inside.sh` | containers / processes on koopa |
-| **versions** | `check_versions.sh` | deb.taler.net available + packages vs trixie |
-| **sanity** | `check_sanity.sh` | public + server per component |
-| **server** | `check_server.sh` | SSH host ports / processes |
-| **e2e** | `check_e2e.sh` | withdraw + pay cycle |
-
-Format in output:
+Every check line is numbered **`area.group-NN`** (two-digit group counter):
 
 ```text
-[OK]    www-001  exchange /config https://exchange…/config
-[ERROR] e2e-012  bank-auth: admin token failed
-[BLOCKER] e2e-015  prereq: merchant HTTP 502
+┌ OK    ┐ www.exchange-01  exchange /config · HTTP 200
+┌ ERROR ┐ e2e.pay-03       order create failed · HTTP 502
+┌ BLOCKER┐ e2e.prereq-02   merchant secret missing
 ```
 
-IDs are assigned **in run order** within the area (`set_area` resets the counter). Optional soft checks still consume a number when they WARN.
+| Area | Phase script | Groups (examples) |
+|------|--------------|-------------------|
+| **www** | `check_urls.sh` | `exchange` `perf` `stats` `bank` `merchant` `paivana` `landing` |
+| **inside** | `check_inside.sh` | `ssh` `bank` `exchange` `merchant` `caddy` `load` |
+| **versions** | `check_versions.sh` | `outside` `inside` `compare` |
+| **sanity** | `check_sanity.sh` | `bank` `exchange` `merchant` |
+| **server** | `check_server.sh` | (flat `server-NN` or host groups) |
+| **e2e** | `check_e2e.sh` | `prereq` `load` `bank` `wallet` `atm` `settle` `pay` `shop` `paivana` `dig` `report` |
+| **ladder** | `check_goa_ladder.sh` | `plan` `load` `withdraw` `pay` `report` |
+
+**Why groups:** flat `www-001`…`www-080` was hard to talk about.  
+`www.bank-04` / `e2e.atm-02` pin the failure to a logical block.
+
+Usage in scripts:
+
+```bash
+set_area www
+set_group exchange   # → www.exchange-01, www.exchange-02, …
+set_group bank       # counter resets → www.bank-01
+```
+
+`set_group` also prints a small group chip (`┌ www.exchange ┐`) so logs show section boundaries.  
+Re-entering the same group later (e.g. exchange legal after perf) **continues** NN — `www.exchange-03`, not a second `-01`.  
+Without `set_group`, IDs stay flat: `area-01`, `area-02`, …
+
+Optional soft checks still consume a number when they WARN.  
+Numbering follows **executed** checks (early skip may shift later NN inside the same group).
 
 ---
 
 ## www — public URLs (`./taler-monitoring.sh urls`)
 
-| ID | Check |
-|----|--------|
-| www-… | exchange `/config`, currency, **alt_unit_names** |
-| www-… | exchange `/keys` (+ alt_unit_names soft) |
-| www-… | exchange `/intro/`, `/` (302→intro) |
-| www-… | **exchange `/terms`** body (not empty / not API error) |
-| www-… | **exchange `/privacy`** body |
-| www-… | exchange `/terms/` (200 or redirect) |
-| www-… | bank `/config`, currency, **alt_unit_names** |
-| www-… | bank integration / webui / intro / `/` |
-| www-… | **bank `/terms`** body |
-| www-… | **bank `/privacy`** (or `/intro/privacy.html` fallback) |
-| www-… | merchant `/config`, currency, currencies alt_unit_names |
-| www-… | each merchant `exchanges[]` `/config` alt_unit_names |
-| www-… | merchant `/intro/`, `/webui/`, `/` |
-| www-… | **merchant `/terms`** body (dual-currency notice) |
-| www-… | **merchant `/privacy`** body (must not be `not configured`) |
-| www-… | merchant `/terms/` redirect |
-| www-… | **landing (aggregated per site)**: one line for bank/merchant/exchange (`/intro` + assets + own/external link counts); failures listed as samples; soft external/shop assets compact |
-| www-… | cross-links: one line (4 intros) on local stack |
-| www-… | bank demo-withdraw + shop assets: one line (+ soft shop-pay if missing) |
-| www-… | **bank `/intro/demo-withdraw.json`** → `taler://withdraw/HOST:PORT/taler-integration/…` + integration op HTTP 200 |
-| www-… | **landing exposed links** (bank / merchant / exchange): parse each `/intro/` HTML, probe every own-stack `https://` + root-relative `href`/`src`/`content`, soft-check external stores/docs |
-| www-… | landing static: `qrcode.min.js`, `og-goa-shop.png`, `qr-logo.png`, shop-pay.js/css |
-| www-… | cross-links between bank ↔ merchant ↔ exchange intros (local stack) |
-| www-… | **bank `/intro/demo-withdraw.json`** → `taler://withdraw/HOST/taler-integration/…` (no default `:443`/`:80`; non-default port OK) + integration op HTTP 200 |
-| www-… | bank `/intro/auto-account.json` (earlier) → same withdraw shape, **no payto_uri**, login at `/webui/` |
-| www-… | **performance** (outside-in RTT): bank/exchange/merchant `/config`, keys, webui, intro — ms; WARN ≥ `PERF_WARN_MS` (8000); ERROR ≥ `PERF_FAIL_MS` (20000) |
-| www-… | **landing load stats**: `/intro/stats.json` → loadavg, container RSS, in-container probe ms (public; SSH container cat fallback); warn if stale/missing |
+| Group | Checks (typical) |
+|-------|------------------|
+| **www.exchange-** | `/config`, currency, **alt_unit_names**; `/keys` (+ alt soft); `/intro/`, `/`; **`/terms`**, **`/privacy`**, `/terms/` |
+| **www.perf-** | outside-in RTT: bank/exchange/merchant `/config`, keys, webui, intro — ms; WARN ≥ `PERF_WARN_MS` (8000); ERROR ≥ `PERF_FAIL_MS` (20000) |
+| **www.stats-** | `/intro/stats.json` **reachable**; **timestamps** (`generated_at_unix` + human/ISO); **freshness** vs wall clock (`STATS_STALE_SECS` WARN, `STATS_FAIL_SECS` ERROR); **display fields** (bank-shape withdraws/accounts, or exchange-db / merchant-db keys); optional performance block; shared-feed equal `gen_unix` when bank collector is published to all three |
+| **www.bank-** | `/config`, currency, alt_unit_names; integration/webui/intro; **auto-account.json** (required GOA/local; skip/soft off-GOA e.g. TESTPAYSAN); `/terms`, `/privacy` |
+| **www.merchant-** | `/config` currency + currencies alt_unit_names; listed exchanges alt; webui/intro; **`/terms`**, **`/privacy`** |
+| **www.paivana-** | local GOA paywall front (redirect to template) |
+| **www.landing-** | own-stack intro links; static assets (`qrcode.min.js` hard; `og-goa-shop.png` hard only GOA/local); **demo-withdraw.json** GOA-only; shop-pay soft; cross-links local |
 
-**Legal docs rule:** HTTP 200, non-empty body, not plain `not configured`, not merchant API JSON `code:21`. On local stack, optional content needle (terms/privacy/FADP/GOA…).
+**Legal docs rule:** HTTP 200, non-empty body, not plain `not configured`, not merchant API JSON `code:21`. Local stack may require content needle (terms/privacy/FADP/GOA…).
 
-**Performance rule:** Measured from the **monitoring runner** (public URLs via Caddy), not container loopback. HTTP must match expect (usually 200); **latency (ms) is on every perf OK/WARN/ERROR line**, plus a **perf summary** (n / min / p50 / avg / max). Slow ≥ `PERF_WARN_MS` (default 8000) → WARN; ≥ `PERF_FAIL_MS` (default 20000) → ERROR.
+**Performance rule:** Measured from the **monitoring runner** (public via Caddy), not container loopback. Latency (ms) on every perf line + **perf summary** (n / min / p50 / avg / max).
 
-**Landing links rule:** Own-stack (bank/exchange/taler.\* + page host) must be HTTP 200 (or redirect→200). External (App Store, Play, F-Droid, wallet.taler.net, docs/git.taler.net, …) soft WARN if down. Auto-account wallet link must be `taler://withdraw/HOST/taler-integration/…` (default ports stripped for mobile wallets), never payto.
+**Landing links rule:** Own-stack must be HTTP 200 (or redirect→200). External stores/docs soft WARN. Auto-account wallet link must be `taler://withdraw/HOST/taler-integration/…` (default ports stripped), never payto.
 
-**alt_unit_names rule:** wallet codec requires a non-empty map including scale key `"0"`. For multi-currency merchant, also follow every entry in `exchanges[]` and check that exchange’s public `/config`.
-
-(IDs after a failed early check may shift if later soft checks are skipped when body missing — numbering follows **executed** checks.)
+**alt_unit_names rule:** non-empty map including scale key `"0"`. Multi-currency merchant: follow each `exchanges[]` public `/config`.
 
 ---
 
 ## inside — koopa SSH (`./taler-monitoring.sh inside`)
 
-| ID | Check (typical order) |
-|----|------------------------|
-| inside-001 | ssh koopa (or **koopa-external** fallback) |
-| inside-002+ | per-component emit: container, ports, libeufin/httpd, postgres, local `/config`/`/keys`, wirewatch, DNS pin, caddy |
-| inside-… | **load / memory**: host loadavg + RAM; bank/exchange/merchant podman CPU/mem/block + process RSS by role + DB sizes |
+| Group | Checks |
+|-------|--------|
+| **inside.ssh-** | ssh reachability / remote collect |
+| **inside.bank-** | container, libeufin, postgres, local `/config`, nginx, DNS pins |
+| **inside.exchange-** | container, httpd, wirewatch, aggregator, transfer, local keys, DNS |
+| **inside.merchant-** | container, httpd, wirewatch, depositcheck, DNS |
+| **inside.caddy-** | host reverse-proxy process |
+| **inside.load-** | host loadavg + RAM; per-container RSS/CPU |
 
-Remote lines `E|comp|LEVEL|key|detail` each become one numbered result.
+Remote lines `E|comp|LEVEL|key|detail` each become one numbered result under that component group.
 
-SSH: `KOOPA_SSH` (default `koopa`), then `KOOPA_SSH_FALLBACKS` (default `koopa-external`) when LAN is unreachable.
+SSH: `KOOPA_SSH` (default `koopa`), then `KOOPA_SSH_FALLBACKS` when LAN is unreachable.
 
 ---
 
-## sanity — bank · exchange · merchant (`./taler-monitoring.sh sanity`)
+## e2e — withdraw + pay (`./taler-monitoring.sh e2e`)
 
-| ID | Section |
-|----|---------|
-| sanity-001… | bank public + server |
-| sanity-… | exchange public + server |
-| sanity-… | merchant public + server |
+| Group | Checks |
+|-------|--------|
+| **e2e.prereq-** | wallet-cli, currency, budgets, secrets, public reachability |
+| **e2e.load-** | host/container load snapshots (before / after ATM / after pay) |
+| **e2e.bank-** | account, credit, withdraw ops |
+| **e2e.wallet-** | exchange + ToS, wallet setup |
+| **e2e.atm-** | ATM withdraw ladder rungs |
+| **e2e.settle-** | wallet settlement wait / spendable balance |
+| **e2e.pay-** | variable payments |
+| **e2e.shop-** | GOA shop product catalog pays |
+| **e2e.paivana-** | template paywall pay |
+| **e2e.dig-** | coins-missing dig (inside + withdrawal-operation) |
+| **e2e.report-** | final tallies |
 
-Sequential through the whole script (one `set_area sanity`).
+When filing an issue, quote the full id + label, e.g.  
+`e2e.atm-03  ATM withdraw 5 GOA · bank confirmed, wallet empty`.
 
 ---
 
-## versions — packages vs deb.taler.net (`./taler-monitoring.sh versions`)
+## versions / sanity / ladder / server
 
-### Outside (runner / public network — no SSH)
-
-| ID (order) | Check |
-|------------|--------|
-| versions-… | DNS `deb.taler.net` |
-| versions-… | HTTPS portal + apt base URL |
-| versions-… | suite `InRelease` / `Release` |
-| versions-… | suite `Packages` + `Packages.gz` |
-| versions-… | sample pool `.deb` fetchable (Range 200/206) |
-| versions-… | suite offers `taler-exchange`, `taler-merchant`, `libeufin-bank` |
-| versions-… | optional `trixie-testing` Packages |
-| versions-… | TLS verify (soft) |
-
-### Inside (SSH koopa containers)
-
-| ID | Check |
-|----|--------|
-| versions-… | ssh koopa |
-| versions-… | each container → `InRelease` (pasta can reach apt repo) |
-| versions-… | each container lists `deb.taler.net` in apt sources |
-| versions-… | each installed `taler*` / `libeufin*` / `libtaler*` / `libdonau*` vs suite version |
-| versions-… | core packages installed (`taler-exchange`, `libeufin-bank`, `taler-merchant`) |
-
-Outside always runs. Inside skipped with `SKIP_SSH=1` (still reports outside results).
-
-Compare rules:
-
-- **match** suite → OK  
-- **ahead** of suite (often testing/dev) → INFO  
-- **behind** suite → ERROR for core packages, WARN otherwise (`TALER_PKG_BEHIND=error` forces ERROR)
-
-Default suite: **trixie** (`TALER_APT_SUITE`, `TALER_APT_BASE=https://deb.taler.net/apt/debian`).
-
-Without SSH (`SKIP_SSH=1` or remote domain): still runs outside-in repo checks; skips container install compare.
+| Area.group | Meaning |
+|------------|---------|
+| **versions.outside-** | deb.taler.net suite index |
+| **versions.inside-** | packages in containers |
+| **versions.compare-** | installed vs suite |
+| **sanity.bank-** / **.exchange-** / **.merchant-** | public + optional server-side per component |
+| **ladder.plan-** / **.load-** / **.withdraw-** / **.pay-** / **.report-** | GOA amount ladder |
+| **server-** | SSH host ports / processes (flat unless grouped later) |
 
 ---
 
-## server — SSH ports (`./taler-monitoring.sh server`)
-
-| ID | Check |
-|----|--------|
-| server-001 | ssh |
-| server-002+ | containers, local pasta ports, processes, caddy |
-
----
-
-## e2e — payment path (`./taler-monitoring.sh e2e`)
-
-Local GOA also: **ATM includes GOA:4200**, then **paivana** (HTTP 302 on `PAIVANA_PUBLIC` + public template pay `paivana` / GOA:4200 on `goa-shop`). Disable with `E2E_PAIVANA=0`.
-
-| ID | Step (approx.) |
-|----|----------------|
-| e2e-001 | budget info |
-| e2e-002 | wallet-cli present |
-| e2e-003 | mode / currency info |
-| e2e-004… | secrets, reachability gates |
-| e2e-… | account, credit, withdraw, confirm, coins, order, pay ladder |
-| e2e-… | **load snapshots** at e2e-start, after-withdraw, after-pay, after-shop, e2e-end (host loadavg/RAM + container RSS/CPU/DB) |
-| e2e-… | **coins** before/after each ATM withdraw, settle, pay, shop: count in circulation / spent, amount + denoms using **`alt_unit_names`** (e.g. `5 Kilo-GOA (GOA:5000)`), Δ vs previous snap |
-| e2e-… | **GOA shop products** — full catalog list; **random pick of 2** (override `E2E_SHOP_PICK_N`) |
-| e2e-… | balances, dig on failure, load delta + overall metrics |
-
-Shop product pays use instance `goa-shop` (default) and catalog `E2E_SHOP_PRODUCTS`
-(`id|Product name|amount` lines). Each e2e run **shuffles** the catalog and pays
-only `E2E_SHOP_PICK_N` products (**default 2**). Flow matches the landing popup
-(public POST `/templates/{id}`, not private orders). Report labels use product name.
-
-Blockers keep the same ID prefix: `[BLOCKER] e2e-0NN step: message`.
-
----
-
-## ladder — GOA withdraw ranges (`./taler-monitoring.sh ladder`)
-
-| Step | What |
-|------|------|
-| ladder-001 | `GET /intro/auto-account.json` (personal account, GOA:0) |
-| ladder-… | **load snapshot** before withdraws (host + bank/exchange/merchant mem/CPU) |
-| ladder-… | **Phase A withdraw** (23): mint explorer pool — 0 → random → max−1 → max into **one cumulative wallet** (mids × `LADDER_WITHDRAW_SCALE`, default 1.5) |
-| ladder-… | wallet-cli accept-uri + explorer confirm when `selected`; settle; coins snap |
-| ladder-… | **Phase B pay** (23): same shape 0 → random → max−1 → max via merchant orders + `handle-uri --yes` |
-| ladder-… | **load snapshot** after + delta + overall timing (withdraw + pay) |
-| report | withdraw TSV + pay TSV + JSON |
-
-Default amounts (`build_ladder_pair`, strictly increasing):
+## Visual format (colour on)
 
 ```text
-withdraw: [0] + random mids + [max−1] + [max]
-pay:      [0] + (withdraw_mid / scale) + [max−1] + [max]   # always ≤ matching withdraw mid
+╔══════════════════════════════╗
+║ www · public URLs · …        ║
+╚══════════════════════════════╝
+┌ www.exchange ┐
+┌ OK    ┐ www.exchange-01  exchange /config · HTTP 200
+┌ www.bank ┐
+┌ OK    ┐ www.bank-01  bank /config · HTTP 200
+┌ ERROR ┐ www.bank-04  bank /intro/auto-account.json · invalid withdraw
+
+┌ ERRORS · failed checks ┐
+  • www.bank-04 bank /intro/auto-account.json · invalid withdraw
+totals: 40 OK, 1 ERROR, 2 WARN, 5 INFO
 ```
 
-TSV `range`: `pin:0` | `random` | `pin:max-1` | `pin:max`.
-
-Soft: absolute **max** mint/pay may `CEILING_REJECT` / skip (WARN). **max-1** is a hard pin.  
-`LADDER_PAY=0` skips phase B.
-
-| Env | Default | Meaning |
-|-----|---------|---------|
-| `LADDER_STEPS` | `23` | total rungs (0 + mids + max) |
-| `LADDER_MAX_AMOUNT` | `4503599627370496` | absolute last pin |
-| `LADDER_TIMEOUT_S` | `3600` | large rungs need time |
-| `LADDER_MAX_RUNGS` | `99` | cap list length after build |
-
-```bash
-./taler-monitoring.sh ladder
-LADDER_STEPS=10 ./taler-monitoring.sh ladder
-LADDER_REPORT_DIR=/tmp/my-ladder ./taler-monitoring.sh ladder
-```
-
----
-
-## Run one area
-
-```bash
-./taler-monitoring.sh urls      # www only
-./taler-monitoring.sh inside    # inside only
-./taler-monitoring.sh versions  # deb.taler.net + package drift
-./taler-monitoring.sh e2e       # e2e only
-./taler-monitoring.sh ladder    # GOA amount ladder + timings
-./taler-monitoring.sh -d taler.net urls
-```
+`NO_COLOR=1` or `CLICOLOR=0` disables boxes/colours (ASCII `[ OK ]` + `-- group --` headers).  
+Always use `printf --` friendly plain headers when colour is off (leading `---` is not a printf option).
diff --git a/scripts/taler-monitoring/check_e2e.sh b/scripts/taler-monitoring/check_e2e.sh
index 8c4670e..ee4ea08 100755
--- a/scripts/taler-monitoring/check_e2e.sh
+++ b/scripts/taler-monitoring/check_e2e.sh
@@ -23,18 +23,36 @@ e2e_over() { [ "$(e2e_left)" -le 0 ]; }
 # stdout only for JSON; logs go to stderr file so balance parse stays clean
 wcli_bal_snap() {
   local out="$1"
-  if [ -z "${WALLET_CLI:-}" ] || [ ! -f "${WDB:-}" ]; then
+  if [ -z "${WALLET_CLI:-}" ]; then
     echo "(no wallet)" >"$out"
     return 1
   fi
+  # one-shot needs DB file; serve mode needs socket
+  if [ -z "${WSERVE_PID:-}" ] || [ ! -S "${WSOCK:-}" ]; then
+    if [ ! -f "${WDB:-}" ]; then
+      echo "(no wallet)" >"$out"
+      return 1
+    fi
+  fi
   local err="${out}.err"
   if command -v perl >/dev/null 2>&1; then
-    perl -e 'alarm shift; exec @ARGV' 10 \
-      node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults balance \
-      >"$out" 2>"$err" || true
+    if [ -n "${WSERVE_PID:-}" ] && [ -S "${WSOCK:-}" ]; then
+      perl -e 'alarm shift; exec @ARGV' 10 \
+        node "$WALLET_CLI" --wallet-connection="$WSOCK" --no-throttle balance \
+        >"$out" 2>"$err" || true
+    else
+      perl -e 'alarm shift; exec @ARGV' 10 \
+        node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults balance \
+        >"$out" 2>"$err" || true
+    fi
   else
-    node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults balance \
-      >"$out" 2>"$err" || true
+    if [ -n "${WSERVE_PID:-}" ] && [ -S "${WSOCK:-}" ]; then
+      node "$WALLET_CLI" --wallet-connection="$WSOCK" --no-throttle balance \
+        >"$out" 2>"$err" || true
+    else
+      node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults balance \
+        >"$out" 2>"$err" || true
+    fi
   fi
   [ -s "$out" ]
 }
@@ -104,9 +122,9 @@ wait_wallet_balance() {
   local rounds="${2:-15}"
   local sleep_s="${3:-3}"
   local r av
-  info "wallet settle wait" "up to ${rounds}×${sleep_s}s for avail>${min_n} ${CUR} (wirewatch lag is common)"
+  # Poll balance only — never run-until-done (hangs; banned in monitoring).
+  info "wallet settle wait" "up to ${rounds}×${sleep_s}s for avail>${min_n} ${CUR} (poll balance only; no run-until-done)"
   for r in $(seq 1 "$rounds"); do
-    wcli run-until-done >"$SCRATCH/settle-run.out" 2>&1 || true
     wcli_bal_snap "$SCRATCH/bal-live.out" || wcli balance >"$SCRATCH/bal-live.out" 2>&1 || true
     av=$(wallet_avail_num "$SCRATCH/bal-live.out")
     if python3 -c "import sys; sys.exit(0 if float(sys.argv[1]) > float(sys.argv[2]) else 1)" "$av" "$min_n" 2>/dev/null; then
@@ -182,6 +200,7 @@ e2e_skip_rest() {
 
 # Area e2e-### — withdraw + pay cycle
 set_area e2e
+set_group prereq
 section "e2e · prerequisites"
 info "e2e budget" "${E2E_TIMEOUT}s (set E2E_TIMEOUT= to change)"
 
@@ -220,12 +239,22 @@ except Exception: print("")' 2>/dev/null || true)
 if [ "$E2E_REMOTE" = "1" ]; then
   # remote: still ATM-shaped but smaller notes; keep cheap
   : "${E2E_WITHDRAW_VALUES:=10 20 50}"
-  : "${E2E_PAY_VALUES:=0.01 0.05 0.1 1}"
+  if [ "$CUR" = "TESTPAYSAN" ]; then
+    # match fixed public templates e2e-001 / e2e-005 / e2e-1
+    : "${E2E_PAY_VALUES:=0.01 0.05 1}"
+  else
+    : "${E2E_PAY_VALUES:=0.01 0.05 0.1 1}"
+  fi
 else
   # local GOA: classic ATM notes + 4200 for paivana paywall template
   : "${E2E_WITHDRAW_VALUES:=20 50 100 200 4200}"
   : "${E2E_PAY_VALUES:=0.01 0.05 0.1 0.5 1 2 5 10}"
 fi
+# Public template pays (landing/shop style) — default on for TESTPAYSAN stage
+if [ -z "${E2E_USE_TEMPLATES:-}" ]; then
+  if [ "$CUR" = "TESTPAYSAN" ]; then E2E_USE_TEMPLATES=1; else E2E_USE_TEMPLATES=0; fi
+fi
+: "${E2E_USE_TEMPLATES:=0}"
 
 # Build CUR:amount lists
 build_amt_list() {
@@ -299,12 +328,27 @@ BANK_HOST=$(python3 -c 'from urllib.parse import urlparse; print(urlparse("'"$BA
 
 SCRATCH=$(mktemp -d)
 WDB="$SCRATCH/wallet.sqlite3"
+WSOCK="$SCRATCH/wallet.sock"
+WSERVE_PID=""
+# Client/server wallet (advanced serve): long-lived shepherd without run-until-done.
+# Default on — wallet-cli only completes withdraw/pay while a serve process is up.
+: "${E2E_WALLET_SERVE:=1}"
 METRICS_DIR="${METRICS_DIR:-$SCRATCH/metrics}"
 mkdir -p "$METRICS_DIR"
 export METRICS_DIR CUR="${CUR:-${EXPECT_CURRENCY:-GOA}}" WDB
 export PATH="${HOME}/.local/bin:${HOME}/taler/opt/taler-wallet-cli/usr/bin:/opt/homebrew/bin:/usr/local/bin:$PATH"
+
+stop_wallet_serve() {
+  if [ -n "${WSERVE_PID:-}" ] && kill -0 "$WSERVE_PID" 2>/dev/null; then
+    kill "$WSERVE_PID" 2>/dev/null || true
+    wait "$WSERVE_PID" 2>/dev/null || true
+  fi
+  WSERVE_PID=""
+  rm -f "${WSOCK:-}" 2>/dev/null || true
+}
+
 # Always dump balances on any exit (timeout, blocker, signal, success)
-trap 'ec=$?; e2e_finish "$ec"; rm -rf "$SCRATCH"; exit "$ec"' EXIT
+trap 'ec=$?; e2e_finish "$ec"; stop_wallet_serve; rm -rf "$SCRATCH"; exit "$ec"' EXIT
 
 # Abort cleanly on login / KYC / registration barriers (esp. remote domains)
 e2e_abort_auth() {
@@ -382,10 +426,12 @@ else
 fi
 
 # Host + bank/exchange/merchant RAM/CPU/load (SSH koopa or koopa-external)
+set_group load
 section "e2e · load snapshot (before withdraw/pay)"
 metrics_report_load "${METRICS_DIR}/load-before.json" "e2e-start" || true
 
 # Local stack: koopa secrets. Remote: only explicit env (never leak local passwords to foreign banks).
+set_group prereq
 if [ "$E2E_REMOTE" = "1" ]; then
   ADMIN_PASS="${E2E_BANK_ADMIN_PASS:-}"
   MPW="${E2E_MERCHANT_TOKEN:-${MERCHANT_TOKEN:-}}"
@@ -402,13 +448,29 @@ else
   exit 1
 fi
 if [ -n "$MPW" ]; then
+  # Secrets often store full "secret-token:…"; strip before re-prefixing Bearer.
+  MPW=$(printf '%s' "$MPW" | tr -d '\n\r')
+  case "$MPW" in
+    secret-token:*) MPW_TOKEN="$MPW" ;;
+    *) MPW_TOKEN="secret-token:${MPW}" ;;
+  esac
   ok "merchant secret (instance ${MERCHANT_INSTANCE})"
 elif [ "$E2E_REMOTE" = "1" ]; then
-  warn "merchant secret" "missing — order create may fail (set E2E_MERCHANT_TOKEN)"
+  MPW_TOKEN=""
+  warn "merchant secret" "missing — private orders fail unless E2E_USE_TEMPLATES=1 (set E2E_MERCHANT_TOKEN)"
 else
   blocker "prereq" "merchant instance password missing"
   exit 1
 fi
+# Authorization header for merchant private API (never double secret-token:)
+merchant_auth_header() {
+  local t="${1:-${MPW_TOKEN:-}}"
+  [ -n "$t" ] || return 1
+  case "$t" in
+    secret-token:*) printf 'Authorization: Bearer %s' "$t" ;;
+    *) printf 'Authorization: Bearer secret-token:%s' "$t" ;;
+  esac
+}
 
 # Public reachability gates (remote: soft-skip if bank/merchant absent)
 for pair in \
@@ -452,7 +514,31 @@ info "e2e user" "$USER  withdraw=$WITHDRAW_AMT pay=$PAY_AMT"
 BANK="$BANK_PUBLIC"
 INST="$MERCHANT_INSTANCE"
 
+start_wallet_serve() {
+  [ "${E2E_WALLET_SERVE}" = "1" ] || return 0
+  [ -n "${WALLET_CLI:-}" ] && [ -f "${WALLET_CLI}" ] || return 1
+  stop_wallet_serve
+  rm -f "$WSOCK"
+  # serve holds the DB open; clients use --wallet-connection only
+  node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults \
+    advanced serve --unix-path "$WSOCK" \
+    >"$SCRATCH/wallet-serve.log" 2>&1 &
+  WSERVE_PID=$!
+  local i
+  for i in $(seq 1 40); do
+    if [ -S "$WSOCK" ] && kill -0 "$WSERVE_PID" 2>/dev/null; then
+      ok "wallet serve" "pid=$WSERVE_PID sock=$WSOCK (no run-until-done)"
+      return 0
+    fi
+    sleep 0.15
+  done
+  warn "wallet serve" "socket not ready — falling back to one-shot CLI (coins may stay pending)"
+  stop_wallet_serve
+  return 1
+}
+
 # $1 = max seconds for this call (optional); rest = wallet-cli args
+# Prefer live serve socket so the shepherd stays up (alternative to run-until-done).
 wcli() {
   local maxc=12
   if [[ "${1:-}" =~ ^[0-9]+$ ]]; then
@@ -464,11 +550,20 @@ wcli() {
   cap=$(e2e_left)
   [ "$cap" -gt "$maxc" ] && cap=$maxc
   [ "$cap" -lt 3 ] && return 124
-  if command -v perl >/dev/null 2>&1; then
-    perl -e 'alarm shift; exec @ARGV' "$cap" \
-      node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
+  if [ -n "${WSERVE_PID:-}" ] && [ -S "${WSOCK:-}" ]; then
+    if command -v perl >/dev/null 2>&1; then
+      perl -e 'alarm shift; exec @ARGV' "$cap" \
+        node "$WALLET_CLI" --wallet-connection="$WSOCK" --no-throttle "$@"
+    else
+      node "$WALLET_CLI" --wallet-connection="$WSOCK" --no-throttle "$@"
+    fi
   else
-    node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
+    if command -v perl >/dev/null 2>&1; then
+      perl -e 'alarm shift; exec @ARGV' "$cap" \
+        node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
+    else
+      node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
+    fi
   fi
 }
 
@@ -486,16 +581,26 @@ wcli_pay() {
     cap=12
   fi
   info "pay wallet cap" "${cap}s"
-  if command -v perl >/dev/null 2>&1; then
-    perl -e 'alarm shift; exec @ARGV' "$cap" \
-      node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
+  if [ -n "${WSERVE_PID:-}" ] && [ -S "${WSOCK:-}" ]; then
+    if command -v perl >/dev/null 2>&1; then
+      perl -e 'alarm shift; exec @ARGV' "$cap" \
+        node "$WALLET_CLI" --wallet-connection="$WSOCK" --no-throttle "$@"
+    else
+      node "$WALLET_CLI" --wallet-connection="$WSOCK" --no-throttle "$@"
+    fi
   else
-    node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
+    if command -v perl >/dev/null 2>&1; then
+      perl -e 'alarm shift; exec @ARGV' "$cap" \
+        node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
+    else
+      node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
+    fi
   fi
 }
 
 # When coins never become available: run inside + targeted bank/exchange dig
 dig_when_no_coins() {
+  set_group dig
   section "e2e · coins missing — inside dig"
   info "reason" "wallet empty after withdraw path (often wirewatch timing) — probing bank + exchange"
   if [ -n "${WID:-}" ]; then
@@ -580,6 +685,7 @@ BAL_BEFORE=$(fmt_bal "$SCRATCH/bal-before.out")
 info "BALANCE before" "$BAL_BEFORE"
 
 # ---------------------------------------------------------------------------
+set_group bank
 section "e2e · bank (account · credit · withdraw)"
 # ---------------------------------------------------------------------------
 AT=""
@@ -678,8 +784,11 @@ else
 fi
 
 # ---------------------------------------------------------------------------
+set_group wallet
 section "e2e · wallet setup (exchange + ToS once)"
 # ---------------------------------------------------------------------------
+# Long-lived serve = client/server wallet (shepherd keeps running; no run-until-done).
+start_wallet_serve || true
 if ! wcli exchanges add "${EXCHANGE_PUBLIC}/" >"$SCRATCH/ex-add.out" 2>&1; then
   if ! grep -qiE 'already|ok' "$SCRATCH/ex-add.out"; then
     blocker "wallet-exchange" "exchanges add failed — $(tail -c 160 "$SCRATCH/ex-add.out" | tr '\n' ' ')"
@@ -774,12 +883,13 @@ e2e_one_withdraw() {
   fi
   cp "$SCRATCH/accept-$tag.out" "$SCRATCH/accept.out"
 
+  # Poll bank withdrawal status only (no run-until-done). force-select if stuck pending.
   st=""
-  for i in 1 2 3 4; do
+  for i in 1 2 3 4 5 6 8 10; do
     e2e_over && break
-    wcli run-until-done >"$SCRATCH/sel-$tag-$i.out" 2>&1 || true
     st=$(wd_status)
     case "$st" in selected|confirmed|aborted) break ;; esac
+    sleep 0.4
   done
   if [ "$st" != "selected" ] && [ "$st" != "confirmed" ]; then
     wcli transactions >"$SCRATCH/tx-pre.json" 2>&1 || true
@@ -824,10 +934,9 @@ else:
   fi
   fake_incoming_speedup
 
-  # Short per-ATM poll; full settle wait happens after the ladder (avoids false FAIL)
-  local ok_bal=0 r av
-  for r in 1 2 3 4 5 6; do
-    wcli run-until-done >"$SCRATCH/run-$tag-$r.out" 2>&1 || true
+  # Short per-ATM settle: poll balance + bank transfer_done only (never run-until-done)
+  local ok_bal=0 r av xfer
+  for r in 1 2 3 4 5 6 8 10; do
     wcli_bal_snap "$SCRATCH/bal-$tag.out" || wcli balance >"$SCRATCH/bal-$tag.out" 2>&1 || true
     av=$(wallet_avail_num "$SCRATCH/bal-$tag.out")
     if python3 -c "import sys; sys.exit(0 if float(sys.argv[1]) > 0 else 1)" "$av" 2>/dev/null; then
@@ -836,6 +945,13 @@ else:
       info "balance" "$(fmt_bal "$SCRATCH/bal-$tag.out")"
       break
     fi
+    xfer=$(curl -sS -m 8 "$BANK/taler-integration/withdrawal-operation/${WID}" 2>/dev/null \
+      | python3 -c 'import json,sys; d=json.load(sys.stdin); print(d.get("transfer_done"), d.get("status"))' 2>/dev/null || echo "?")
+    if echo "$xfer" | grep -qi True; then
+      ok "ATM $WITHDRAW_AMT bank transfer_done" "wallet avail=${CUR}:${av} ($xfer) — no run-until-done"
+      ok_bal=1
+      break
+    fi
     sleep 2
   done
   metrics_report_coins "after-ATM-${tag}" || true
@@ -853,8 +969,28 @@ else:
   return 1
 }
 
+# Map CUR:amount → public template id (TESTPAYSAN stage e2e-* templates).
+# Override with E2E_TEMPLATE_MAP="0.01=e2e-001 0.05=e2e-005 1=e2e-1"
+e2e_template_id_for_amount() {
+  local amt="$1"
+  local val map_entry k v
+  val=$(printf '%s' "$amt" | awk -F: '{print $NF}')
+  : "${E2E_TEMPLATE_MAP:=0.01=e2e-001 0.05=e2e-005 1=e2e-1 1.0=e2e-1}"
+  for map_entry in $E2E_TEMPLATE_MAP; do
+    k="${map_entry%%=*}"
+    v="${map_entry#*=}"
+    if [ "$k" = "$val" ]; then
+      printf '%s' "$v"
+      return 0
+    fi
+  done
+  return 1
+}
+
 # One payment: e2e_one_pay AMOUNT [SUMMARY] [TAG]
 # SUMMARY defaults to "monitoring pay $AMOUNT"; TAG defaults from amount.
+# When E2E_USE_TEMPLATES=1 and amount maps to a public template, uses
+# POST /instances/{inst}/templates/{id} (same as landings/shops).
 e2e_one_pay() {
   PAY_AMT="$1"
   local PAY_SUM="${2:-monitoring pay ${PAY_AMT}}"
@@ -867,11 +1003,28 @@ e2e_one_pay() {
   section "e2e · pay $PAY_AMT · $(format_amount_alt "$PAY_AMT") · $PAY_SUM"
   e2e_over && { warn "pay" "budget exhausted — skip $PAY_AMT ($PAY_SUM)"; return 1; }
   metrics_report_coins "before-pay-${tag}" || true
-  if [ -z "${MPW:-}" ]; then
+
+  # Prefer public templates when enabled (stage TESTPAYSAN / shop-style orders)
+  local tpl_id=""
+  if [ "${E2E_USE_TEMPLATES:-0}" = "1" ]; then
+    tpl_id=$(e2e_template_id_for_amount "$PAY_AMT" 2>/dev/null || true)
+    if [ -n "$tpl_id" ]; then
+      info "pay $PAY_AMT" "via public template $tpl_id (E2E_USE_TEMPLATES=1)"
+      e2e_one_pay_public_template "$tpl_id" "$PAY_SUM" "$PAY_AMT"
+      return $?
+    fi
+    warn "pay $PAY_AMT" "no template map for amount — fall back to private order"
+  fi
+
+  if [ -z "${MPW:-}" ] && [ -z "${MPW_TOKEN:-}" ]; then
     warn "pay $PAY_AMT" "no merchant token"
     return 1
   fi
-  AUTH="Authorization: Bearer secret-token:${MPW}"
+  local AUTH
+  AUTH=$(merchant_auth_header) || {
+    warn "pay $PAY_AMT" "no merchant token"
+    return 1
+  }
   # JSON-escape summary for curl -d
   local SUM_JSON
   SUM_JSON=$(python3 -c 'import json,sys; print(json.dumps(sys.argv[1]))' "$PAY_SUM" 2>/dev/null || printf '"%s"' "$PAY_SUM")
@@ -881,8 +1034,9 @@ e2e_one_pay() {
     "${MERCHANT_PUBLIC}/instances/${INST}/private/orders" 2>"$SCRATCH/ord-$tag.err" || true
   if ! grep -q order_id "$SCRATCH/ord-$tag.json" 2>/dev/null; then
     if [ "$E2E_REMOTE" != "1" ] && koopa_ssh_ok; then
+      local mpw_raw="${MPW_TOKEN:-secret-token:${MPW}}"
       koopa_ssh_run 20 \
-        "curl -skS -m 12 -X POST -H 'Authorization: Bearer secret-token:${MPW}' -H 'Content-Type: application/json' -d '{\"order\":{\"summary\":${SUM_JSON},\"amount\":\"${PAY_AMT}\",\"fulfillment_message\":\"ok\"},\"create_token\":true}' 'https://127.0.0.1:9010/instances/${INST}/private/orders'" \
+        "curl -skS -m 12 -X POST -H 'Authorization: Bearer ${mpw_raw}' -H 'Content-Type: application/json' -d '{\"order\":{\"summary\":${SUM_JSON},\"amount\":\"${PAY_AMT}\",\"fulfillment_message\":\"ok\"},\"create_token\":true}' 'https://127.0.0.1:9010/instances/${INST}/private/orders'" \
         >"$SCRATCH/ord-$tag.json" 2>"$SCRATCH/ord-$tag.err" || true
     fi
   fi
@@ -926,23 +1080,37 @@ except Exception: print("")
     return 1
   fi
   ok "wallet handle pay $PAY_AMT ($PAY_SUM)"
+  # Settle: poll merchant order + wallet transactions only (never run-until-done)
   local r
-  for r in 1 2 3; do
-    wcli_pay run-until-done >"$SCRATCH/pay-run-$tag.out" 2>&1 || true
+  for r in 1 2 3 4 5 6; do
     wcli_pay transactions >"$SCRATCH/tx-$tag.out" 2>&1 || true
-    curl -skS -m 8 -o "$SCRATCH/ord-paid-$tag.json" -H "$AUTH" \
-      "${MERCHANT_PUBLIC}/instances/${INST}/private/orders/${OID}" 2>/dev/null || true
+    if [ -n "${AUTH:-}" ]; then
+      curl -skS -m 8 -o "$SCRATCH/ord-paid-$tag.json" -H "$AUTH" \
+        "${MERCHANT_PUBLIC}/instances/${INST}/private/orders/${OID}" 2>/dev/null || true
+    fi
+    if [ -n "${OTOK:-}" ]; then
+      curl -skS -m 8 -o "$SCRATCH/ord-pub-$tag.json" \
+        "${MERCHANT_PUBLIC}/instances/${INST}/orders/$(python3 -c 'import urllib.parse,sys; print(urllib.parse.quote(sys.argv[1], safe=""))' "$OID")?token=$(python3 -c 'import urllib.parse,sys; print(urllib.parse.quote(sys.argv[1], safe=""))' "$OTOK")" \
+        2>/dev/null || true
+    fi
     if grep -qiE 'payment|paid|Payment' "$SCRATCH/tx-$tag.out" 2>/dev/null \
       || grep -qiE 'done|paid|success|Payment' "$SCRATCH/pay-$tag.out" 2>/dev/null \
       || python3 -c 'import json,sys
-d=json.load(open(sys.argv[1]))
-sys.exit(0 if d.get("paid") is True or str(d.get("order_status","")).lower()=="paid" else 1)
-' "$SCRATCH/ord-paid-$tag.json" 2>/dev/null; then
+for p in sys.argv[1:]:
+  try:
+    d=json.load(open(p))
+    if d.get("paid") is True or str(d.get("order_status","")).lower()=="paid":
+      sys.exit(0)
+  except Exception:
+    pass
+sys.exit(1)
+' "$SCRATCH/ord-paid-$tag.json" "$SCRATCH/ord-pub-$tag.json" 2>/dev/null; then
       ok "payment settled $PAY_AMT ($PAY_SUM · order $OID)"
       metrics_report_coins "after-pay-${tag}" || true
       metrics_record_flow spent "$PAY_AMT" || true
       return 0
     fi
+    sleep 1
   done
   metrics_report_coins "after-pay-fail-${tag}" || true
   warn "pay $PAY_AMT ($PAY_SUM)" "not settled for order $OID"
@@ -1045,33 +1213,34 @@ except Exception: print("")
   fi
   ok "shop $pname" "wallet accepted pay URI"
 
+  # Settle: public order status + transactions only (never run-until-done)
   local r AUTH=""
-  if [ -n "${MPW:-}" ]; then
-    AUTH="Authorization: Bearer secret-token:${MPW}"
-  fi
-  for r in 1 2 3; do
-    wcli_pay run-until-done >"$SCRATCH/pay-run-$tag.out" 2>&1 || true
+  AUTH=$(merchant_auth_header 2>/dev/null) || AUTH=""
+  for r in 1 2 3 4 5 6; do
     wcli_pay transactions >"$SCRATCH/tx-$tag.out" 2>&1 || true
     if [ -n "$AUTH" ]; then
       curl -skS -m 8 -o "$SCRATCH/ord-paid-$tag.json" -H "$AUTH" \
         "${MERCHANT_PUBLIC}/instances/${INST}/private/orders/${OID}" 2>/dev/null || true
-      if python3 -c 'import json,sys
-d=json.load(open(sys.argv[1]))
-sys.exit(0 if d.get("paid") is True or str(d.get("order_status","")).lower()=="paid" else 1)
-' "$SCRATCH/ord-paid-$tag.json" 2>/dev/null; then
-        ok "shop $pname" "payment settled ($pamt · order $OID)"
-        metrics_report_coins "after-shop-${tag}" || true
-        metrics_record_flow spent "$pamt" || true
-        return 0
-      fi
     fi
-    if grep -qiE 'payment|paid|Payment' "$SCRATCH/tx-$tag.out" 2>/dev/null \
+    curl -skS -m 8 -o "$SCRATCH/ord-pub-$tag.json" "$statusUrl" 2>/dev/null || true
+    if python3 -c 'import json,sys
+for p in sys.argv[1:]:
+  try:
+    d=json.load(open(p))
+    if d.get("paid") is True or str(d.get("order_status","")).lower()=="paid":
+      sys.exit(0)
+  except Exception:
+    pass
+sys.exit(1)
+' "$SCRATCH/ord-paid-$tag.json" "$SCRATCH/ord-pub-$tag.json" 2>/dev/null \
+      || grep -qiE 'payment|paid|Payment' "$SCRATCH/tx-$tag.out" 2>/dev/null \
       || grep -qiE 'done|paid|success|Payment' "$SCRATCH/pay-$tag.out" 2>/dev/null; then
-      ok "shop $pname" "payment settled via wallet tx ($pamt · order $OID)"
+      ok "shop $pname" "payment settled ($pamt · order $OID)"
       metrics_report_coins "after-shop-${tag}" || true
       metrics_record_flow spent "$pamt" || true
       return 0
     fi
+    sleep 1
   done
   metrics_report_coins "after-shop-fail-${tag}" || true
   warn "shop $pname ($pid)" "not settled for order $OID"
@@ -1079,6 +1248,7 @@ sys.exit(0 if d.get("paid") is True or str(d.get("order_status","")).lower()=="p
 }
 
 # ---------------------------------------------------------------------------
+set_group atm
 section "e2e · ATM withdraw ladder"
 # ---------------------------------------------------------------------------
 WITHDRAW_OK=0
@@ -1109,12 +1279,14 @@ for WITHDRAW_AMT in $WITHDRAW_LIST; do
   esac
 done
 info "ATM withdraw summary" "$WITHDRAW_REPORT (ok=$WITHDRAW_OK_N lag=$WITHDRAW_LAG_N fail=$WITHDRAW_FAIL_N)"
+set_group load
 section "e2e · load snapshot (after ATM withdraws)"
 metrics_report_load "${METRICS_DIR}/load-after-withdraw.json" "after-withdraw" || true
 cp -f "${METRICS_DIR}/load-after-withdraw.json" "${METRICS_DIR}/load-after.json" 2>/dev/null || true
 metrics_report_coins "after-ATM-ladder" || true
 
 # Settlement catch-up: bank may have confirmed while wallet was still empty
+set_group settle
 section "e2e · wallet settlement (timing)"
 if ! wait_wallet_balance 0 "${E2E_SETTLE_ROUNDS}" "${E2E_SETTLE_SLEEP}"; then
   if [ "$WITHDRAW_LAG_N" -gt 0 ] || [ "$WITHDRAW_OK_N" -gt 0 ]; then
@@ -1154,6 +1326,7 @@ else
 fi
 
 # ---------------------------------------------------------------------------
+set_group pay
 section "e2e · variable payments (if balance allows)"
 # ---------------------------------------------------------------------------
 PAY_OK=0
@@ -1161,13 +1334,16 @@ PAY_OK_N=0
 PAY_FAIL_N=0
 PAY_SKIP_N=0
 PAY_REPORT=""
-if [ -z "${MPW:-}" ]; then
+if [ -z "${MPW:-}" ] && [ "${E2E_USE_TEMPLATES:-0}" != "1" ]; then
   if [ "$E2E_REMOTE" = "1" ]; then
-    e2e_abort_auth "merchant-order" "no merchant token — set E2E_MERCHANT_TOKEN"
+    e2e_abort_auth "merchant-order" "no merchant token — set E2E_MERCHANT_TOKEN (or E2E_USE_TEMPLATES=1)"
   fi
   blocker "merchant-order" "no merchant token"
   exit 1
 fi
+if [ -z "${MPW:-}" ] && [ "${E2E_USE_TEMPLATES:-0}" = "1" ]; then
+  info "pay" "no merchant token — public templates only (E2E_USE_TEMPLATES=1)"
+fi
 
 for PAY_AMT in $PAY_LIST; do
   e2e_over && { warn "pay ladder" "time budget low — stopping more payments"; break; }
@@ -1193,6 +1369,7 @@ for PAY_AMT in $PAY_LIST; do
   fi
 done
 info "pay summary" "$PAY_REPORT (ok=$PAY_OK_N fail=$PAY_FAIL_N skip=$PAY_SKIP_N)"
+set_group load
 section "e2e · load snapshot (after payments)"
 metrics_report_load "${METRICS_DIR}/load-after-pay.json" "after-pay" || true
 cp -f "${METRICS_DIR}/load-after-pay.json" "${METRICS_DIR}/load-after.json" 2>/dev/null || true
@@ -1207,18 +1384,47 @@ if [ "$PAY_OK" != "1" ]; then
 fi
 
 # ---------------------------------------------------------------------------
-section "e2e · GOA shop products (merchant landing catalog)"
+set_group shop
+section "e2e · shop products (public templates)"
 # ---------------------------------------------------------------------------
-# Public template POST + wallet pay — full catalog list, random pick of N products.
+# Public template POST + wallet pay — catalog random pick of N products.
+# GOA: goa-shop on hacktivism. TESTPAYSAN: farmer shops (jardin / fermes).
 SHOP_OK=0
 SHOP_OK_N=0
 SHOP_FAIL_N=0
 SHOP_SKIP_N=0
 SHOP_REPORT=""
-if [ "$E2E_REMOTE" = "1" ] || [ "${CUR:-}" != "GOA" ]; then
-  info "goa-shop" "SKIPPED (remote or non-GOA currency)"
+# Auto catalog for stage TESTPAYSAN when not overridden
+if [ "${CUR:-}" = "TESTPAYSAN" ] && [ -z "${E2E_SHOP_PRODUCTS_SET:-}" ] && [ -z "${E2E_SHOP_FORCE_GOA:-}" ]; then
+  # id|name|amount|instance — force stage catalog (GOA default is set earlier)
+  E2E_SHOP_PRODUCTS="oeufs-6|Œufs plein air × 6|TESTPAYSAN:5|jardin-du-creux
+pain-seigle|Pain de seigle 800 g|TESTPAYSAN:4.5|jardin-du-creux
+jus-pomme|Jus de pomme 1 L|TESTPAYSAN:6|jardin-du-creux
+panier-legumes|Panier légumes|TESTPAYSAN:25|fermes-des-collines
+fromage-chevre|Fromage de chèvre 200 g|TESTPAYSAN:8.5|fermes-des-collines
+miel-printemps|Miel de printemps 250 g|TESTPAYSAN:12|fermes-des-collines"
+  # Force stage defaults (GOA goa-shop is already set earlier via :=)
+  if [ -z "${E2E_SHOP_INSTANCE_SET:-}" ]; then
+    E2E_SHOP_INSTANCE=jardin-du-creux
+  fi
+  if [ -z "${E2E_SHOP_PAYTO_SET:-}" ]; then
+    E2E_SHOP_PAYTO="payto://x-taler-bank/stage.bank.lefrancpaysan.ch/jardin-du-creux"
+  fi
+  E2E_SHOP_PICK_N="${E2E_SHOP_PICK_N:-2}"
+  E2E_SHOP_ENABLE=1
+fi
+# GOA local only by default; remote non-GOA shops need E2E_SHOP_ENABLE=1 or TESTPAYSAN auto above
+if [ -z "${E2E_SHOP_ENABLE:-}" ]; then
+  if [ "$E2E_REMOTE" = "1" ] || [ "${CUR:-}" != "GOA" ]; then
+    E2E_SHOP_ENABLE=0
+  else
+    E2E_SHOP_ENABLE=1
+  fi
+fi
+if [ "${E2E_SHOP_ENABLE}" != "1" ]; then
+  info "shop" "SKIPPED (set E2E_SHOP_ENABLE=1 or use TESTPAYSAN stage catalog)"
 else
-  # Build catalog array from E2E_SHOP_PRODUCTS (id|name|amount lines)
+  # Build catalog array from E2E_SHOP_PRODUCTS (id|name|amount[|instance] lines)
   SHOP_CATALOG=()
   while IFS= read -r line; do
     [ -z "$line" ] && continue
@@ -1232,7 +1438,7 @@ EOF
   case "$PICK_N" in ''|*[!0-9]*) PICK_N=2 ;; esac
   if [ "$PICK_N" -lt 1 ]; then PICK_N=1; fi
   if [ "$SHOP_CAT_N" -eq 0 ]; then
-    warn "goa-shop" "empty E2E_SHOP_PRODUCTS catalog"
+    warn "shop" "empty E2E_SHOP_PRODUCTS catalog"
   else
     if [ "$PICK_N" -gt "$SHOP_CAT_N" ]; then PICK_N=$SHOP_CAT_N; fi
     # Shuffle catalog, take first PICK_N (portable: python)
@@ -1245,24 +1451,26 @@ random.shuffle(lines)
 print('\n'.join(lines[:n]))
 " "$PICK_N"
     )
-    info "goa-shop" "catalog ${SHOP_CAT_N} products · random pick ${PICK_N} · instance ${E2E_SHOP_INSTANCE}"
-    info "goa-shop payto" "$E2E_SHOP_PAYTO"
-    info "goa-shop pick" "$(printf '%s\n' "$SHOP_PICKED" | cut -d'|' -f1,2 | tr '\n' '; ' | sed 's/; $//')"
-    # e2e_one_pay_public_template uses global INST — temporarily pin shop instance
+    info "shop" "catalog ${SHOP_CAT_N} products · random pick ${PICK_N} · default instance ${E2E_SHOP_INSTANCE}"
+    info "shop payto" "$E2E_SHOP_PAYTO"
+    info "shop pick" "$(printf '%s\n' "$SHOP_PICKED" | cut -d'|' -f1,2 | tr '\n' '; ' | sed 's/; $//')"
+    # e2e_one_pay_public_template uses global INST — pin per product if 4th field set
     _E2E_INST_SAVE="$INST"
     INST="${E2E_SHOP_INSTANCE}"
     while IFS= read -r line; do
       [ -z "$line" ] && continue
-      e2e_over && { warn "goa-shop" "time budget low — stopping product pays"; break; }
+      e2e_over && { warn "shop" "time budget low — stopping product pays"; break; }
       pid=$(printf '%s' "$line" | cut -d'|' -f1)
       pname=$(printf '%s' "$line" | cut -d'|' -f2)
       pamt=$(printf '%s' "$line" | cut -d'|' -f3)
+      pinst=$(printf '%s' "$line" | cut -d'|' -f4)
       [ -z "$pid" ] || [ -z "$pamt" ] && continue
       [ -z "$pname" ] && pname="$pid"
+      INST="${pinst:-${E2E_SHOP_INSTANCE}}"
       av_now=$(wallet_avail_num)
       pay_n=$(python3 -c 'import sys; print(float(sys.argv[1].split(":",1)[-1]))' "$pamt" 2>/dev/null || echo 0)
       if ! python3 -c "import sys; sys.exit(0 if float(sys.argv[1]) + 1e-12 >= float(sys.argv[2]) else 1)" "$av_now" "$pay_n" 2>/dev/null; then
-        warn "goa-shop $pname ($pid)" "skip — insufficient avail ${CUR}:${av_now} (need ${pay_n})"
+        warn "shop $pname ($pid)" "skip — insufficient avail ${CUR}:${av_now} (need ${pay_n})"
         SHOP_SKIP_N=$((SHOP_SKIP_N + 1))
         SHOP_REPORT="${SHOP_REPORT}${SHOP_REPORT:+ }${pname}=SKIP(bal)"
         continue
@@ -1286,9 +1494,9 @@ $SHOP_PICKED
 EOF
     INST="$_E2E_INST_SAVE"
     unset _E2E_INST_SAVE
-    info "goa-shop summary" "$SHOP_REPORT (ok=$SHOP_OK_N fail=$SHOP_FAIL_N skip=$SHOP_SKIP_N · pick $PICK_N/$SHOP_CAT_N)"
+    info "shop summary" "$SHOP_REPORT (ok=$SHOP_OK_N fail=$SHOP_FAIL_N skip=$SHOP_SKIP_N · pick $PICK_N/$SHOP_CAT_N)"
     if [ "$SHOP_OK" != "1" ] && [ "$SHOP_FAIL_N" -gt 0 ]; then
-      warn "goa-shop" "no sample product payment succeeded ($SHOP_REPORT)"
+      warn "shop" "no sample product payment succeeded ($SHOP_REPORT)"
     fi
     section "e2e · load snapshot (after shop pays)"
     metrics_report_load "${METRICS_DIR}/load-after-shop.json" "after-shop" || true
@@ -1297,6 +1505,7 @@ EOF
 fi
 
 # ---------------------------------------------------------------------------
+set_group paivana
 section "e2e · paivana paywall (template GOA:4200)"
 # ---------------------------------------------------------------------------
 # Public paywall: https://paivana.hacktivism.ch → 302 to merchant template "paivana".
@@ -1388,11 +1597,12 @@ else
   info "paivana summary" "${PAIVANA_REPORT:-?} · instance ${E2E_PAIVANA_INSTANCE}"
 fi
 
+set_group report
 section "e2e · report"
 info "user" "$USER"
 info "ATM withdraws" "$WITHDRAW_REPORT"
 info "payments" "$PAY_REPORT"
-info "goa-shop" "${SHOP_REPORT:-(n/a)}"
+info "shop" "${SHOP_REPORT:-(n/a)}"
 info "paivana" "${PAIVANA_REPORT:-(n/a)}"
 info "final balance" "$(fmt_bal "$SCRATCH/bal-live.out" 2>/dev/null || echo "(n/a)")"
 info "scratch" "$SCRATCH"
diff --git a/scripts/taler-monitoring/check_goa_ladder.sh b/scripts/taler-monitoring/check_goa_ladder.sh
index 28d71ed..8b311ce 100755
--- a/scripts/taler-monitoring/check_goa_ladder.sh
+++ b/scripts/taler-monitoring/check_goa_ladder.sh
@@ -29,7 +29,10 @@ ROOT=$(cd "$(dirname "$0")" && pwd)
 # shellcheck source=lib.sh
 source "$ROOT/lib.sh"
 
+# Area ladder.* — GOA withdraw/pay ladder
+# Groups: ladder.plan / ladder.load / ladder.withdraw / ladder.pay / ladder.report
 set_area ladder
+set_group plan
 SECTION_T0=$(date +%s)
 now_ms() { python3 -c 'import time; print(int(time.time()*1000))'; }
 elapsed_ms() {
@@ -261,6 +264,7 @@ info "steps" "${LADDER_STEPS} (0 + random≥${LADDER_MIN_AMOUNT} + max-1=${CUR}:
 info "withdraw_scale" "${LADDER_WITHDRAW_SCALE}× pay mids (fund pay ladder)"
 info "pay_phase" "$([ "${LADDER_PAY}" = "1" ] && echo enabled || echo disabled)"
 
+set_group load
 section "ladder · load snapshot (before withdraws)"
 metrics_report_load "$LOAD_BEFORE" "ladder-start" || true
 # Fresh wallet per rung — baseline empty (or last-rung DB if re-used later)
@@ -344,6 +348,7 @@ STOP_REASON=""
 STOP_AMOUNT=""
 declare -a RUNG_JSON=()
 
+set_group withdraw
 section "ladder · phase A · withdraw (${LADDER_N} rungs)"
 rung=0
 for AMT in "$@"; do
@@ -658,12 +663,7 @@ else:
     fi
   }
 
-  # Short bounded select assist (≤8s) — not a hang path; helps attach fresh reserve_pub
-  if command -v perl >/dev/null 2>&1 && [ -f "$CLI_JS" ]; then
-    perl -e 'alarm shift; exec @ARGV' 8 \
-      node "$CLI_JS" --wallet-db="$WDB" --no-throttle run-until-done \
-      >"$SCRATCH/select-$tag.out" 2>&1 || true
-  fi
+  # No run-until-done (hangs / banned). Read transactions only for reserve_pub candidates.
   wcli transactions >"$SCRATCH/tx-$tag.json" 2>&1 || true
 
   t0=$(now_ms)
@@ -787,6 +787,7 @@ done
 PAY_OK_N=0
 PAY_FAIL_N=0
 if [ "${LADDER_PAY}" = "1" ] && [ -n "${PAY_LIST:-}" ] && [ "$FAIL_N_L" -eq 0 ]; then
+  set_group pay
   section "ladder · phase B · pay"
   metrics_report_coins "before-pay-ladder" || true
   # Merchant secret (same as e2e)
@@ -959,19 +960,12 @@ except Exception: print("")
       ms_handle=$(elapsed_ms "$t0")
       ok "handle-uri $PAMT ${ms_handle}ms"
 
-      # Short settle polls (bounded — no infinite hang)
+      # Short settle polls: merchant order + wallet tx only — never run-until-done
       t0=$(now_ms)
       settled=0
       r=0
       while [ "$r" -lt "${LADDER_PAY_SETTLE_ROUNDS}" ]; do
         r=$((r + 1))
-        if command -v perl >/dev/null 2>&1; then
-          perl -e 'alarm shift; exec @ARGV' 10 \
-            "$CLI_JS" --wallet-db="$WDB" --no-throttle run-until-done \
-            >"$SCRATCH/pay-run-$ptag.out" 2>&1 || true
-        else
-          wcli run-until-done >"$SCRATCH/pay-run-$ptag.out" 2>&1 || true
-        fi
         wcli transactions >"$SCRATCH/tx-$ptag.out" 2>&1 || true
         curl -skS -m 8 -o "$SCRATCH/ord-paid-$ptag.json" -H "$AUTH" \
           "${MER}/instances/${INST}/private/orders/${OID}" 2>/dev/null || true
@@ -983,6 +977,7 @@ sys.exit(0 if d.get("paid") is True or str(d.get("order_status","")).lower()=="p
           settled=1
           break
         fi
+        sleep 0.5
       done
       ms_psettle=$(elapsed_ms "$t0")
       ms_total=$(elapsed_ms "$t_pay")
@@ -1024,6 +1019,7 @@ fi
 ms_phase=$(python3 -c 'import sys,time; print(int((time.time()-float(sys.argv[1]))*1000))' "$SECTION_T0")
 
 # --- report ---
+set_group report
 section "ladder · report"
 info "auto-account" "$ACCT_USER"
 info "ok_rungs" "$OK_N"
@@ -1128,6 +1124,7 @@ PY
 
 wcli balance 2>&1 | tee "$REPORT_DIR/balance-final.out" | tail -20 || true
 
+set_group load
 section "ladder · load snapshot (after withdraws)"
 metrics_report_load "$LOAD_AFTER" "ladder-end" || true
 if [ -f "$LOAD_BEFORE" ] && [ -f "$LOAD_AFTER" ]; then
diff --git a/scripts/taler-monitoring/check_inside.sh b/scripts/taler-monitoring/check_inside.sh
index f49b4b6..2d012ed 100755
--- a/scripts/taler-monitoring/check_inside.sh
+++ b/scripts/taler-monitoring/check_inside.sh
@@ -7,8 +7,10 @@ source "$ROOT/lib.sh"
 # shellcheck source=metrics.sh
 source "$ROOT/metrics.sh"
 
-# Area inside-### — container / process state on koopa (SSH)
+# Area inside.* — container / process state on koopa (SSH)
+# Groups: inside.ssh / inside.bank / inside.exchange / inside.merchant / inside.caddy
 set_area inside
+set_group ssh
 section "inside · collect from koopa"
 
 if [ "${SKIP_SSH}" = "1" ]; then
@@ -128,10 +130,20 @@ if [ -z "$RAW" ] || ! echo "$RAW" | grep -q '^E|'; then
   exit 1
 fi
 
+_last_inside_grp=""
 while IFS= read -r line; do
   case "$line" in
     E\|*)
       IFS='|' read -r _ comp level key detail <<<"$line"
+      # Group IDs by component so issues map cleanly: inside.bank-02, inside.exchange-04
+      case "$comp" in
+        bank|exchange|merchant|caddy) _g="$comp" ;;
+        *) _g="ssh" ;;
+      esac
+      if [ "$_g" != "$_last_inside_grp" ]; then
+        set_group "$_g"
+        _last_inside_grp="$_g"
+      fi
       case "$level" in
         OK)    ok "[$comp] $key${detail:+ ($detail)}" ;;
         ERROR) err "$comp" "$key" "$detail" ;;
@@ -143,6 +155,7 @@ while IFS= read -r line; do
 done <<<"$RAW"
 
 # Host loadavg + RAM + per-container RSS/CPU (same probe as e2e/ladder)
+set_group load
 section "inside · load / memory"
 METRICS_DIR="${METRICS_DIR:-$(mktemp -d)}"
 export METRICS_DIR
diff --git a/scripts/taler-monitoring/check_sanity.sh b/scripts/taler-monitoring/check_sanity.sh
index 1486e9b..1e3b922 100755
--- a/scripts/taler-monitoring/check_sanity.sh
+++ b/scripts/taler-monitoring/check_sanity.sh
@@ -23,10 +23,12 @@ json_currency() {
   python3 -c 'import json,sys; d=json.load(open(sys.argv[1])); print(d.get("currency") or "")' "$1" 2>/dev/null || true
 }
 
-# Area sanity-### — public + optional server-side per component
+# Area sanity.* — public + optional server-side per component
+# Groups: sanity.bank / sanity.exchange / sanity.merchant
 set_area sanity
 
 # ---------------------------------------------------------------------------
+set_group bank
 section "sanity · bank"
 # ---------------------------------------------------------------------------
 expect_code "bank public /config" 200 "$BANK_PUBLIC/config"
@@ -98,6 +100,7 @@ else
 fi
 
 # ---------------------------------------------------------------------------
+set_group exchange
 section "sanity · exchange"
 # ---------------------------------------------------------------------------
 expect_code "exchange public /config" 200 "$EXCHANGE_PUBLIC/config"
@@ -193,6 +196,7 @@ else
 fi
 
 # ---------------------------------------------------------------------------
+set_group merchant
 section "sanity · merchant"
 # ---------------------------------------------------------------------------
 expect_code "merchant public /config" 200 "$MERCHANT_PUBLIC/config"
diff --git a/scripts/taler-monitoring/check_server.sh b/scripts/taler-monitoring/check_server.sh
index 961b4c8..8412a12 100755
--- a/scripts/taler-monitoring/check_server.sh
+++ b/scripts/taler-monitoring/check_server.sh
@@ -5,8 +5,9 @@ ROOT=$(cd "$(dirname "$0")" && pwd)
 # shellcheck source=lib.sh
 source "$ROOT/lib.sh"
 
-# Area server-### — host/container ports via SSH
+# Area server.* — host/container ports via SSH
 set_area server
+set_group ssh
 section "server · ssh ${KOOPA_SSH}"
 
 if ! koopa_ssh_ok; then
diff --git a/scripts/taler-monitoring/check_urls.sh b/scripts/taler-monitoring/check_urls.sh
index c5cd78d..55ed1b8 100755
--- a/scripts/taler-monitoring/check_urls.sh
+++ b/scripts/taler-monitoring/check_urls.sh
@@ -5,7 +5,9 @@ ROOT=$(cd "$(dirname "$0")" && pwd)
 # shellcheck source=lib.sh
 source "$ROOT/lib.sh"
 
-# Area www-### — public HTTPS (outside-in)
+# Area www.* — public HTTPS (outside-in)
+# Groups: www.exchange / www.perf / www.stats / www.bank / www.merchant /
+#         www.paivana / www.landing
 set_area www
 section "www · public URLs · ${TALER_DOMAIN:-?} (outside-in, no SSH)"
 
@@ -169,7 +171,8 @@ sys.exit(0)
 PY
 }
 
-# --- exchange (core; always required) ---  www-001 …
+# --- exchange (core; always required) ---  www.exchange-NN
+set_group exchange
 check_url "exchange /config" 200 "$EXCHANGE_PUBLIC/config"
 code=$(http_body "$EXCHANGE_PUBLIC/config" "$tmp/ec.json")
 if [ "$code" = "200" ]; then
@@ -219,6 +222,7 @@ fi
 # Performance — outside-in public HTTPS latency (this runner, not loopback)
 # Same spirit as bank landing-stats public probes; measured here from outside.
 # ---------------------------------------------------------------------------
+set_group perf
 section "www · performance · public HTTPS latency (outside-in)"
 
 # Latency thresholds (ms), outside-in from this runner.
@@ -290,11 +294,18 @@ fi
 info "perf note" "RTT measured from this host (outside-in)"
 
 # ---------------------------------------------------------------------------
-# Landing load stats (stats.json written *inside* containers, usually public).
-# Prefer HTTPS /intro/stats.json (no SSH). If missing and SSH works, cat from
-# the container. Report loadavg + RSS + in-container probe ms — one line each.
+# Landing stats.json (public outside-in) — freshness + display fields.
+# Timestamps (required for external measurement):
+#   generated_at_unix  — epoch seconds (preferred)
+#   generated_at       — ISO-8601
+#   generated_at_human — footer / “updated” UI string
+# Bank collector always sets all three; exchange/merchant scripts set unix too.
+# Env:
+#   STATS_STALE_SECS   warn if age > this (default 900 = 15m; timer often 5–15m)
+#   STATS_FAIL_SECS    hard fail if age > this (default 3600); 0 = never hard-fail on age
 # ---------------------------------------------------------------------------
-: "${STATS_STALE_SECS:=900}"   # warn if generated_at older than 15m
+: "${STATS_STALE_SECS:=900}"
+: "${STATS_FAIL_SECS:=3600}"
 
 _fetch_landing_stats_json() {
   # $1=name bank|exchange|merchant  $2=base URL  → writes $tmp/stats-$1.json, exit 0 if ok
@@ -322,81 +333,265 @@ _fetch_landing_stats_json() {
   return 1
 }
 
-report_landing_load_stats() {
+# Validate one stats.json for monitoring display + outside age measurement.
+# Prints lines: OK|WARN|ERR|STALE|FAIL <detail>
+# Sets $tmp/stats-meta-$name.txt with gen_unix|source for shared-feed compare.
+check_landing_stats_json() {
   local name="$1" base="$2"
   local f="$tmp/stats-${name}.json"
-  local line age_s
+  local line hard_missing=0
 
   if ! _fetch_landing_stats_json "$name" "$base"; then
     if [ "${CHECK_LANDING:-1}" = "1" ] || [ "${LOCAL_STACK:-0}" = "1" ]; then
-      warn "perf ${name} landing-stats" "stats.json not available (public or SSH)"
+      fail "stats ${name}" "HTTP/body missing · ${base}/intro/stats.json"
+    else
+      warn "stats ${name}" "stats.json not available"
     fi
-    return
+    return 1
   fi
+  ok "stats ${name} reachable" "${base}/intro/stats.json"
+
+  # Multi-line verdict from python (STATUS detail)
+  while IFS= read -r line; do
+    case "$line" in
+      META\ *)
+        printf '%s\n' "${line#META }" >"$tmp/stats-meta-${name}.txt"
+        ;;
+      OK\ *)
+        ok "stats ${name}" "${line#OK }"
+        ;;
+      WARN\ *)
+        warn "stats ${name}" "${line#WARN }"
+        ;;
+      STALE\ *)
+        warn "stats ${name} freshness" "stale · ${line#STALE }"
+        ;;
+      FAIL\ *)
+        fail "stats ${name}" "${line#FAIL }"
+        hard_missing=1
+        ;;
+      ERR\ *)
+        if [ "${LOCAL_STACK:-0}" = "1" ] || [ "${CHECK_LANDING:-1}" = "1" ]; then
+          fail "stats ${name}" "${line#ERR }"
+        else
+          warn "stats ${name}" "${line#ERR }"
+        fi
+        hard_missing=1
+        ;;
+      *)
+        [ -n "$line" ] && warn "stats ${name}" "unparsed · $line"
+        ;;
+    esac
+  done < <(python3 - "$f" "$name" "${STATS_STALE_SECS}" "${STATS_FAIL_SECS}" <<'PY' 2>/dev/null || echo "ERR python check failed"
+import json, sys, time, re
+from datetime import datetime, timezone
+
+path, role, stale_s, fail_s = sys.argv[1], sys.argv[2], int(sys.argv[3]), int(sys.argv[4])
+now = int(time.time())
+
+def out(kind, msg):
+    print("%s %s" % (kind, msg))
 
-  line=$(python3 - "$f" "${STATS_STALE_SECS}" <<'PY' 2>/dev/null || true
-import json, sys, time
-path, stale = sys.argv[1], int(sys.argv[2])
 try:
     d = json.load(open(path))
 except Exception as e:
-    print("ERR parse:" + str(e)[:80])
+    out("ERR", "JSON parse: %s" % str(e)[:100])
     sys.exit(0)
-if not d.get("ok", True):
-    print("ERR ok=false " + str(d.get("error") or "")[:80])
+
+if not isinstance(d, dict):
+    out("ERR", "body is not a JSON object")
     sys.exit(0)
-p = d.get("performance") or {}
-if not isinstance(p, dict) or not p:
-    print("ERR no performance block")
+
+if d.get("ok") is False:
+    out("ERR", "ok=false · %s" % str(d.get("error") or d.get("hint") or "")[:80])
     sys.exit(0)
-mem = p.get("memory") if isinstance(p.get("memory"), dict) else {}
-rss = mem.get("container_rss_human") or mem.get("proc_sum_rss_human") or "?"
-load = p.get("loadavg") or "?"
-# latency fields differ by site
-bits = []
-for k in ("config_ms", "integration_ms", "webui_ms", "keys_ms", "terms_ms"):
-    if k in p and p[k] is not None:
-        bits.append("%s=%sms" % (k.replace("_ms", ""), p[k]))
-lat = " ".join(bits) if bits else "latency=?"
-gen = d.get("generated_at_human") or d.get("generated_at") or "?"
-# staleness
-age = ""
-try:
-    gu = d.get("generated_at_unix")
-    if gu is not None:
-        age_s = int(time.time()) - int(gu)
-        age = " age=%ss" % age_s
-        if age_s > stale:
-            print("STALE loadavg=%s RSS=%s %s gen=%s%s" % (load, rss, lat, gen, age))
-            sys.exit(0)
-except Exception:
-    pass
-print("OK loadavg=%s RSS=%s %s gen=%s%s" % (load, rss, lat, gen, age))
+
+# --- timestamps (outside-in age measurement) ---
+gu = d.get("generated_at_unix")
+giso = d.get("generated_at") or d.get("generated_at_iso")
+ghum = d.get("generated_at_human")
+age = None
+src_u = None
+
+if gu is not None and str(gu).strip() != "":
+    try:
+        src_u = int(float(gu))
+        # tolerate ms accidental timestamps
+        if src_u > 10_000_000_000:
+            src_u //= 1000
+        age = now - src_u
+    except Exception:
+        out("ERR", "generated_at_unix not numeric: %r" % gu)
+        src_u = None
+elif giso:
+    # parse ISO when unix missing (legacy exchange/merchant before unix field)
+    try:
+        s = str(giso).strip()
+        if s.endswith("Z"):
+            s = s[:-1] + "+00:00"
+        # allow +0200 without colon
+        s = re.sub(r"([+-]\d{2})(\d{2})$", r"\1:\2", s)
+        dt = datetime.fromisoformat(s)
+        if dt.tzinfo is None:
+            dt = dt.replace(tzinfo=timezone.utc)
+        src_u = int(dt.timestamp())
+        age = now - src_u
+        out("WARN", "no generated_at_unix — derived age from generated_at ISO (deploy collector with unix)")
+    except Exception as e:
+        out("ERR", "cannot parse generated_at=%r (%s)" % (giso, e))
+else:
+    out("ERR", "missing generated_at_unix and generated_at — cannot measure freshness outside")
+
+if not ghum and not giso:
+    out("ERR", "missing generated_at_human/generated_at — UI cannot show “updated” time")
+elif ghum:
+    out("OK", "timestamp human=%s" % ghum)
+else:
+    out("OK", "timestamp iso=%s" % giso)
+
+if src_u is not None:
+    out("META", "%s|%s|%s" % (src_u, d.get("source") or "", d.get("currency") or ""))
+    if age is not None and age < -120:
+        out("WARN", "clock skew · generated_at_unix in the future by %ss" % (-age))
+    if age is not None:
+        out("OK", "generated_at_unix=%s age=%ss (now=%s)" % (src_u, age, now))
+        if fail_s > 0 and age > fail_s:
+            out("FAIL", "age=%ss > STATS_FAIL_SECS=%s · collector not updating" % (age, fail_s))
+        elif age > stale_s:
+            out("STALE", "age=%ss > STATS_STALE_SECS=%s · timer lag or stuck publish" % (age, stale_s))
+
+# --- display fields for landings / monitoring ---
+src = str(d.get("source") or "")
+# Bank-shaped (incl. stage shared feed on all three landings)
+bankish = (
+    role == "bank"
+    or "collect_bank_stats" in src
+    or "shared" in src
+    or isinstance(d.get("withdraws"), dict)
+    or isinstance(d.get("bank_accounts"), dict)
+)
+if bankish:
+    missing = []
+    if not isinstance(d.get("withdraws"), dict):
+        missing.append("withdraws")
+    ba = d.get("bank_accounts")
+    wl = d.get("wallets")
+    if not isinstance(ba, dict) and not isinstance(wl, dict):
+        missing.append("bank_accounts|wallets")
+    if d.get("currency") in (None, ""):
+        missing.append("currency")
+    if missing:
+        out("ERR", "bank-shaped display missing: %s" % ",".join(missing))
+    else:
+        w = d.get("withdraws") or {}
+        ba = ba if isinstance(ba, dict) else {}
+        n_acc = ba.get("total") if ba.get("total") is not None else ba.get("users")
+        out(
+            "OK",
+            "display bank-shape currency=%s accounts=%s withdraws.count=%s source=%s"
+            % (d.get("currency"), n_acc, w.get("count"), (src or "?")[:48]),
+        )
+elif src == "exchange-db" or (role == "exchange" and "reserves" in d):
+    need = []
+    for k in ("reserves", "wire_in_count", "known_coins"):
+        if k not in d and k.replace("known_coins", "coins_live") not in d:
+            if k == "known_coins" and ("coins_live" in d or "coins_remaining_amount" in d):
+                continue
+            need.append(k)
+    if need:
+        out("WARN", "exchange display keys missing: %s" % ",".join(need))
+    else:
+        out(
+            "OK",
+            "display exchange-db reserves=%s wire_in=%s coins=%s"
+            % (d.get("reserves"), d.get("wire_in_count"), d.get("known_coins") or d.get("coins_live")),
+        )
+elif src == "merchant-db" or (role == "merchant" and "instances" in d):
+    if "instances" not in d and "orders" not in d:
+        out("ERR", "merchant display missing instances/orders")
+    else:
+        out(
+            "OK",
+            "display merchant-db instances=%s orders=%s paid=%s"
+            % (d.get("instances"), d.get("orders"), d.get("paid")),
+        )
+else:
+    out("WARN", "unknown stats schema role=%s source=%s keys=%s" % (role, src[:40], ",".join(list(d.keys())[:8])))
+
+# performance block optional (stage shared bank feed may omit heavy probes)
+p = d.get("performance")
+if isinstance(p, dict) and p:
+    mem = p.get("memory") if isinstance(p.get("memory"), dict) else {}
+    rss = mem.get("container_rss_human") or mem.get("proc_sum_rss_human") or "—"
+    load = p.get("loadavg") or "—"
+    bits = []
+    for k in ("config_ms", "integration_ms", "webui_ms", "keys_ms", "terms_ms"):
+        if k in p and p[k] is not None:
+            bits.append("%s=%s" % (k.replace("_ms", ""), p[k]))
+    lat = " ".join(bits) if bits else "latency=—"
+    out("OK", "performance loadavg=%s RSS=%s %s" % (load, rss, lat))
+else:
+    out("OK", "performance block optional/absent")
 PY
 )
 
-  case "$line" in
-    OK\ *)
-      ok "perf ${name} landing-stats" "${line#OK }"
-      ;;
-    STALE\ *)
-      warn "perf ${name} landing-stats" "stale · ${line#STALE }"
-      ;;
-    ERR\ *)
-      warn "perf ${name} landing-stats" "${line#ERR }"
-      ;;
-    *)
-      warn "perf ${name} landing-stats" "unreadable stats.json"
-      ;;
-  esac
+  return 0
 }
 
 if [ "${CHECK_LANDING:-1}" = "1" ] || [ "${LOCAL_STACK:-0}" = "1" ]; then
-  section "www · performance · landing load stats (stats.json · in-container probes)"
-  report_landing_load_stats "bank" "$BANK_PUBLIC"
-  report_landing_load_stats "exchange" "$EXCHANGE_PUBLIC"
-  report_landing_load_stats "merchant" "$MERCHANT_PUBLIC"
-  info "perf landing-stats note" "from /intro/stats.json (public); SSH container fallback if needed"
+  set_group stats
+  section "www · landing stats.json (freshness + display fields · outside-in)"
+  info "stats policy" "STALE≥${STATS_STALE_SECS}s WARN · FAIL≥${STATS_FAIL_SECS}s ERROR (0=disable fail) · need generated_at_unix"
+  check_landing_stats_json "bank" "$BANK_PUBLIC" || true
+  check_landing_stats_json "exchange" "$EXCHANGE_PUBLIC" || true
+  check_landing_stats_json "merchant" "$MERCHANT_PUBLIC" || true
+
+  # Shared feed: stage-style publish copies same bank stats to all three URLs
+  if [ -f "$tmp/stats-meta-bank.txt" ] && [ -f "$tmp/stats-meta-exchange.txt" ] && [ -f "$tmp/stats-meta-merchant.txt" ]; then
+    shared_line=$(python3 - "$tmp/stats-meta-bank.txt" "$tmp/stats-meta-exchange.txt" "$tmp/stats-meta-merchant.txt" <<'PY' 2>/dev/null || true
+import sys
+def parse(p):
+    try:
+        t = open(p).read().strip().split("|", 2)
+        return t[0], (t[1] if len(t) > 1 else ""), (t[2] if len(t) > 2 else "")
+    except Exception:
+        return "", "", ""
+b, bs, bc = parse(sys.argv[1])
+e, es, ec = parse(sys.argv[2])
+m, ms, mc = parse(sys.argv[3])
+if not b or not e or not m:
+    print("SKIP incomplete meta")
+elif b == e == m:
+    print("SHARED gen_unix=%s bank_src=%s" % (b, (bs or "?")[:50]))
+else:
+    # Shared feed only when all three claim the same bank-collector source
+    # (e.g. stage TESTPAYSAN "… shared"). GOA uses independent exchange-db /
+    # merchant-db collectors — different gen_unix is expected.
+    def bankish(s):
+        s = (s or "").lower()
+        return "shared" in s or "collect_bank_stats" in s
+    if bankish(bs) and bankish(es) and bankish(ms):
+        print("DRIFT bank=%s exchange=%s merchant=%s (expected equal for shared feed)" % (b, e, m))
+    else:
+        print("INDEPENDENT bank=%s exchange=%s merchant=%s" % (b, e, m))
+PY
+)
+    case "$shared_line" in
+      SHARED\ *)
+        ok "stats shared feed" "${shared_line#SHARED }"
+        ;;
+      DRIFT\ *)
+        warn "stats shared feed" "timestamps differ · ${shared_line#DRIFT }"
+        ;;
+      INDEPENDENT\ *)
+        info "stats feeds" "independent collectors · ${shared_line#INDEPENDENT }"
+        ;;
+      *)
+        info "stats feeds" "${shared_line:-n/a}"
+        ;;
+    esac
+  fi
+  info "stats note" "public GET /intro/stats.json; measure age via generated_at_unix vs wall clock"
 fi
 # Rollup + optional JSON for metrics_print_overall
 if [ -s "$PERF_TSV" ]; then
@@ -470,7 +665,8 @@ fi
 info "perf note" "measured from this host (outside-in); thresholds PERF_WARN_MS=${PERF_WARN_MS} PERF_FAIL_MS=${PERF_FAIL_MS}"
 
 
-# Terms + privacy (legal docs)
+# Exchange terms + privacy (same www.exchange group — issues map to exchange)
+set_group exchange
 check_legal_doc "exchange /terms" "$EXCHANGE_PUBLIC/terms" "terms|GOA|exploration|FADP|revDSG|privacy"
 check_legal_doc "exchange /privacy" "$EXCHANGE_PUBLIC/privacy" "privacy|FADP|revDSG|data|GOA|exploration"
 # trailing slash: 200 or redirect to bare path
@@ -485,6 +681,7 @@ case "$code" in
 esac
 
 # --- bank ---
+set_group bank
 if [ "${LOCAL_STACK:-1}" = "0" ]; then
   check_url_soft "bank /config" 200 "$BANK_PUBLIC/config"
 else
@@ -508,7 +705,7 @@ if [ "$code" = "200" ]; then
   check_url_soft "bank /webui/" 200 "$BANK_PUBLIC/webui/"
   check_url_soft "bank /intro/" 200 "$BANK_PUBLIC/intro/"
   check_url_soft "bank /" 302,301,200 "$BANK_PUBLIC/"
-  # Auto-account: credentials + shared-pool taler://withdraw (like step 2)
+  # Auto-account: GOA shared-pool mint (hacktivism). Not used on TESTPAYSAN stage.
   aa_code=$(http_body "$BANK_PUBLIC/intro/auto-account.json" "$tmp/aa.json")
   case "$aa_code" in
     200)
@@ -518,11 +715,22 @@ if [ "$code" = "200" ]; then
         fail "bank /intro/auto-account.json" "invalid withdraw/login ($(tr '\n' ' ' <"$tmp/aa-val" | sed 's/[[:space:]]*$//'))"
       fi
       ;;
-    405|501|404|502|503|000)
-      fail "bank /intro/auto-account.json" "HTTP $aa_code (want 200; 405/501 = broken)"
+    404|405|501)
+      if [ "${EXPECT_CURRENCY:-}" = "GOA" ] || [ "${LOCAL_STACK:-0}" = "1" ]; then
+        fail "bank /intro/auto-account.json" "HTTP $aa_code (want 200; 405/501 = broken)"
+      else
+        info "bank /intro/auto-account.json" "HTTP $aa_code — skip (not a GOA auto-account stack)"
+      fi
+      ;;
+    502|503|000)
+      fail "bank /intro/auto-account.json" "HTTP $aa_code want 200"
       ;;
     *)
-      fail "bank /intro/auto-account.json" "HTTP $aa_code want 200"
+      if [ "${EXPECT_CURRENCY:-}" = "GOA" ] || [ "${LOCAL_STACK:-0}" = "1" ]; then
+        fail "bank /intro/auto-account.json" "HTTP $aa_code want 200"
+      else
+        warn "bank /intro/auto-account.json" "HTTP $aa_code (optional off-GOA)"
+      fi
       ;;
   esac
 fi
@@ -545,6 +753,7 @@ else
 fi
 
 # --- merchant ---
+set_group merchant
 if [ "${LOCAL_STACK:-1}" = "0" ]; then
   check_url_soft "merchant /config" 200 "$MERCHANT_PUBLIC/config"
 else
@@ -610,6 +819,7 @@ esac
 # Paivana paywall (local GOA stack) — public front only; pay path is e2e
 # ---------------------------------------------------------------------------
 if [ "${LOCAL_STACK:-1}" = "1" ] && [ "${E2E_PAIVANA:-1}" != "0" ]; then
+  set_group paivana
   section "www · paivana paywall"
   : "${PAIVANA_PUBLIC:=https://paivana.hacktivism.ch}"
   PAIVANA_PUBLIC="${PAIVANA_PUBLIC%/}"
@@ -646,6 +856,7 @@ if [ "${CHECK_LANDING:-1}" != "1" ]; then
   exit 0
 fi
 
+set_group landing
 section "www · landing exposed links · bank / merchant / exchange"
 
 # Probe one URL: print code to stdout (200 after following redirects counts as 200).
@@ -803,18 +1014,24 @@ check_one_landing() {
     return
   fi
 
-  # Required static assets (hard: qrcode + og; soft: qr-logo)
-  for url in \
-    "${base}/intro/qrcode.min.js" \
-    "${base}/intro/og-goa-shop.png"
-  do
-    if _landing_probe "$url"; then
-      a_ok=$((a_ok + 1))
-    else
+  # Required static: qrcode.min.js. GOA og image is soft off-GOA (stage has no og-goa-shop.png).
+  if _landing_probe "${base}/intro/qrcode.min.js"; then
+    a_ok=$((a_ok + 1))
+  else
+    a_fail=$((a_fail + 1))
+    fail_sample="${fail_sample}${fail_sample:+; }HTTP ${_landing_code} ${base}/intro/qrcode.min.js"
+  fi
+  if _landing_probe "${base}/intro/og-goa-shop.png"; then
+    a_ok=$((a_ok + 1))
+  else
+    if [ "${EXPECT_CURRENCY:-}" = "GOA" ] || [ "${LOCAL_STACK:-0}" = "1" ]; then
       a_fail=$((a_fail + 1))
-      fail_sample="${fail_sample}${fail_sample:+; }HTTP ${_landing_code} $url"
+      fail_sample="${fail_sample}${fail_sample:+; }HTTP ${_landing_code} ${base}/intro/og-goa-shop.png"
+    else
+      a_soft=$((a_soft + 1))
+      soft_sample="${soft_sample}${soft_sample:+; }HTTP ${_landing_code} og-goa-shop.png (GOA asset)"
     fi
-  done
+  fi
   if _landing_probe "${base}/intro/qr-logo.png"; then
     a_ok=$((a_ok + 1))
   else
@@ -942,7 +1159,15 @@ if [ "${LOCAL_STACK:-1}" = "1" ] || [ -n "${BANK_PUBLIC:-}" ]; then
         fail "bank /intro/demo-withdraw.json" "invalid taler://withdraw ($(tr '\n' ' ' <"$tmp/dw-val" | sed 's/[[:space:]]*$//'))"
       fi
       ;;
-    405|501|404|502|503|000)
+    404|405|501)
+      # GOA bank landing mints demo-withdraw.json; stage TESTPAYSAN uses ATM/wallet guide only
+      if [ "${EXPECT_CURRENCY:-}" = "GOA" ] || [ "${LOCAL_STACK:-0}" = "1" ]; then
+        fail "landing bank demo-withdraw" "HTTP $dw_code (want 200)"
+      else
+        info "landing bank demo-withdraw" "HTTP $dw_code — skip (not a GOA demo-withdraw stack)"
+      fi
+      ;;
+    502|503|000)
       fail "landing bank demo-withdraw" "HTTP $dw_code (want 200)"
       ;;
     *)
diff --git a/scripts/taler-monitoring/check_versions.sh b/scripts/taler-monitoring/check_versions.sh
index eed9e5f..ea4df2f 100755
--- a/scripts/taler-monitoring/check_versions.sh
+++ b/scripts/taler-monitoring/check_versions.sh
@@ -19,6 +19,7 @@ ROOT=$(cd "$(dirname "$0")" && pwd)
 source "$ROOT/lib.sh"
 
 set_area versions
+set_group outside
 
 SUITE="${TALER_APT_SUITE:-trixie}"
 APT_BASE="${TALER_APT_BASE:-https://deb.taler.net/apt/debian}"
@@ -166,6 +167,7 @@ fi
 # ---------------------------------------------------------------------------
 # 2) INSIDE — containers can reach deb.taler.net (pasta / install path)
 # ---------------------------------------------------------------------------
+set_group inside
 section "versions · inside · containers → deb.taler.net"
 
 if [ "${SKIP_SSH}" = "1" ]; then
@@ -266,6 +268,7 @@ ok "collected installed packages" "${n_inst} rows"
 # ---------------------------------------------------------------------------
 # 3) compare installed vs trixie (and note testing)
 # ---------------------------------------------------------------------------
+set_group compare
 section "versions · compare installed vs ${SUITE}"
 
 export BEHIND_MODE HAVE_TESTING
diff --git a/scripts/taler-monitoring/lib.sh b/scripts/taler-monitoring/lib.sh
index 5df0819..65c6005 100755
--- a/scripts/taler-monitoring/lib.sh
+++ b/scripts/taler-monitoring/lib.sh
@@ -193,6 +193,13 @@ apply_taler_domain() {
         PAY_AMT="${PAY_AMT:-${EXPECT_CURRENCY}:0.01}"
         CREDIT_AMT="${CREDIT_AMT:-${EXPECT_CURRENCY}:100}"
         ;;
+      TESTPAYSAN)
+        # Stage FrancPaysan: default instance + public templates (e2e-001/005/1)
+        MERCHANT_INSTANCE="${MERCHANT_INSTANCE:-default}"
+        WITHDRAW_AMT="${WITHDRAW_AMT:-TESTPAYSAN:20}"
+        PAY_AMT="${PAY_AMT:-TESTPAYSAN:0.01}"
+        CREDIT_AMT="${CREDIT_AMT:-TESTPAYSAN:100}"
+        ;;
       CHF)
         WITHDRAW_AMT="${WITHDRAW_AMT:-CHF:20}"
         PAY_AMT="${PAY_AMT:-CHF:0.01}"
@@ -352,17 +359,30 @@ koopa_ssh_python() {
   with_timeout "$t" ssh "${SSH_BASE_OPTS[@]}" "${KOOPA_SSH}" python3 -
 }
 
-# ANSI colours for tags (green OK / yellow WARN / red ERROR·BLOCKER / cyan INFO).
-# Default: always on so pasted logs keep visible tags. Disable: NO_COLOR=1 or CLICOLOR=0.
+# ANSI colours — boxed badges (fg+bg) + body (label bold, detail dim).
+# Off: NO_COLOR=1 or CLICOLOR=0.
 if [ "${NO_COLOR:-0}" = "1" ] || [ "${CLICOLOR:-1}" = "0" ]; then
-  G= R= Y= C= N= B=
+  G= R= Y= C= M= D= W= B= N=
+  BG_OK= BG_INFO= BG_WARN= BG_ERR= BG_BLK= BG_SEC=
+  BOX=0
 else
-  G=$'\e[1;32m'   # bold green  [OK]
-  R=$'\e[1;31m'   # bold red    [ERROR] [BLOCKER]
-  Y=$'\e[1;33m'   # bold yellow [WARN]
-  C=$'\e[1;36m'   # bold cyan   [INFO]
-  B=$'\e[1m'
-  N=$'\e[0m'
+  G=$'\e[1;32m'          # green text (totals)
+  R=$'\e[1;31m'          # red text
+  Y=$'\e[1;33m'          # yellow text
+  C=$'\e[1;36m'          # cyan text
+  M=$'\e[1;35m'          # magenta text
+  D=$'\e[2m'             # dim tid / detail
+  W=$'\e[1;37m'          # bold white label
+  B=$'\e[1m'             # bold section
+  N=$'\e[0m'             # reset
+  # Badge fill: bright text on solid background
+  BG_OK=$'\e[1;30;42m'   # black on green
+  BG_INFO=$'\e[1;30;46m' # black on cyan
+  BG_WARN=$'\e[1;30;43m' # black on yellow
+  BG_ERR=$'\e[1;37;41m'  # white on red
+  BG_BLK=$'\e[1;37;45m'  # white on magenta
+  BG_SEC=$'\e[1;37;44m'  # white on blue (section)
+  BOX=1
 fi
 
 PASS_N=0
@@ -372,17 +392,68 @@ INFO_N=0
 BLOCKERS=()   # human-readable payment/withdraw blockers
 ERRORS=()     # all ERROR lines (component scope)
 
-# Test IDs by area: www-001, e2e-001, inside-001, …
-# Usage: set_area www   then each ok/fail/warn/info/blocker/err auto-numbers.
+# Grouped test IDs: area.group-NN  (e.g. www.exchange-01, e2e.pay-03)
+#   set_area www              # phase: www | e2e | inside | versions | …
+#   set_group exchange        # resets counter + prints group box → www.exchange-01
+#   set_group bank            # → www.bank-01
+# Without set_group: area-01, area-02, … (flat within area)
 TEST_AREA=""
+TEST_GROUP=""
 TEST_N=0
-# Last issued id (www-001); set by _take_tid — not via $(…) so TEST_N persists.
 LAST_TID=""
+# Per-group counters so re-entering www.exchange after perf continues NN
+# (shell vars TEST_CNT_<area>_<group>).
+_tid_key() {
+  # $1=area $2=group → safe identifier
+  printf 'TEST_CNT_%s_%s' "$1" "$2" | tr -c 'A-Za-z0-9_' '_'
+}
+_tid_save() {
+  [ -z "${TEST_AREA:-}" ] || [ -z "${TEST_GROUP:-}" ] && return 0
+  local k
+  k=$(_tid_key "$TEST_AREA" "$TEST_GROUP")
+  eval "$k=\$TEST_N"
+}
+_tid_load() {
+  local k
+  k=$(_tid_key "$TEST_AREA" "$1")
+  eval "TEST_N=\${$k:-0}"
+}
 set_area() {
+  # leave previous group counter saved
+  _tid_save
   TEST_AREA="$1"
+  TEST_GROUP=""
   TEST_N=0
   LAST_TID=""
 }
+# Start a logical sub-group. Short stable names:
+#   exchange bank merchant perf stats landing paivana
+#   prereq wallet atm settle pay shop dig load report
+#   ssh caddy outside inside compare withdraw
+# Counter continues if the same group is re-entered later in the area.
+# Prints a compact group chip so log + issue text map cleanly (www.bank-03).
+set_group() {
+  local g="$1"
+  # no-op if same group already active (e.g. inside emit loop)
+  if [ "$g" = "${TEST_GROUP:-}" ] && [ -n "$g" ]; then
+    return 0
+  fi
+  _tid_save
+  TEST_GROUP="$g"
+  LAST_TID=""
+  if [ -z "${TEST_AREA:-}" ] || [ -z "$g" ]; then
+    TEST_N=0
+    return 0
+  fi
+  _tid_load "$g"
+  local tag="${TEST_AREA}.${g}"
+  if [ "${BOX:-0}" = "1" ]; then
+    # cyan-outline group chip: ┌ www.exchange ┐
+    printf '%s%s┌ %s ┐%s\n' "$D" "$C" "$tag" "$N"
+  else
+    printf -- '-- %s --\n' "$tag"
+  fi
+}
 # Assign next id into LAST_TID (must not run in a subshell).
 _take_tid() {
   LAST_TID=""
@@ -390,49 +461,69 @@ _take_tid() {
     return
   fi
   TEST_N=$((TEST_N + 1))
-  LAST_TID=$(printf '%s-%03d' "$TEST_AREA" "$TEST_N")
+  if [ -n "${TEST_GROUP:-}" ]; then
+    LAST_TID=$(printf '%s.%s-%02d' "$TEST_AREA" "$TEST_GROUP" "$TEST_N")
+    _tid_save
+  else
+    LAST_TID=$(printf '%s-%02d' "$TEST_AREA" "$TEST_N")
+  fi
 }
+# Dim test id: "www.exchange-01  " or empty
 _fmt_tid() {
-  # prefix "www-001  " or empty
   if [ -n "${LAST_TID:-}" ]; then
-    printf '%s  ' "$LAST_TID"
+    printf '%s%s%s  ' "$D" "$LAST_TID" "$N"
+  fi
+}
+# Boxed badge cell: ┌ OK     ┐ with filled bg (tag left-padded, width 7 for BLOCKER)
+# $1=badge style  $2=tag text
+_fmt_badge() {
+  local badge="$1" tag="$2" inner
+  inner=$(printf -- '%-7s' "$tag")
+  if [ "${BOX:-0}" = "1" ]; then
+    printf '%s┌ %s┐%s' "$badge" "$inner" "$N"
+  else
+    printf '%s[ %s]%s' "$badge" "$inner" "$N"
+  fi
+}
+# One concrete line: ┌ OK    ┐ tid  label  ·  detail
+# $1=badge style  $2=tag text  $3=label colour  $4=label  $5=detail
+_msg_line() {
+  local badge="$1" tag="$2" lcol="$3" label="$4" detail="${5:-}"
+  if [ -n "$detail" ]; then
+    printf -- '%s %s%s%s%s %s·%s %s%s%s\n' \
+      "$(_fmt_badge "$badge" "$tag")" "$(_fmt_tid)" "$lcol" "$label" "$N" "$D" "$N" "$D" "$detail" "$N"
+  else
+    printf -- '%s %s%s%s%s\n' \
+      "$(_fmt_badge "$badge" "$tag")" "$(_fmt_tid)" "$lcol" "$label" "$N"
   fi
 }
 
 ok() {
-  # Forms (same idea as info/warn):
-  #   ok "what passed"
-  #   ok "what passed" "detail / ms / bytes / …"
+  # ok "what is good" ["concrete evidence: HTTP 200 · 12ms · …"]
   local label="$1" detail="${2:-}"
   _take_tid
-  if [ -n "$detail" ]; then
-    printf '%s[OK]%s    %s%s — %s\n' "$G" "$N" "$(_fmt_tid)" "$label" "$detail"
-  else
-    printf '%s[OK]%s    %s%s\n' "$G" "$N" "$(_fmt_tid)" "$label"
-  fi
+  _msg_line "$BG_OK" "OK" "$W" "$label" "$detail"
   PASS_N=$((PASS_N + 1))
 }
-# component-scoped error: err bank "libeufin down" "detail"
+# component-scoped error: err bank "what failed" "why / HTTP / path"
 err() {
   local comp="$1" msg="$2" detail="${3:-}"
   _take_tid
-  printf '%s[ERROR]%s %s%s: %s%s\n' "$R" "$N" "$(_fmt_tid)" "$comp" "$msg" "${detail:+ — $detail}"
+  _msg_line "$BG_ERR" "ERROR" "$W" "${comp}: ${msg}" "$detail"
   FAIL_N=$((FAIL_N + 1))
-  ERRORS+=("${LAST_TID:+$LAST_TID }[$comp] $msg${detail:+ — $detail}")
+  ERRORS+=("${LAST_TID:+$LAST_TID }[$comp] $msg${detail:+ · $detail}")
 }
-# legacy fail label ...
+# fail "what failed" ["why / HTTP code / path"]
 fail() {
   local label="$1" detail="${2:-}"
   _take_tid
-  printf '%s[ERROR]%s %s%s%s\n' "$R" "$N" "$(_fmt_tid)" "$label" "${detail:+ — $detail}"
+  _msg_line "$BG_ERR" "ERROR" "$W" "$label" "$detail"
   FAIL_N=$((FAIL_N + 1))
-  ERRORS+=("${LAST_TID:+$LAST_TID }$label${detail:+ — $detail}")
+  ERRORS+=("${LAST_TID:+$LAST_TID }$label${detail:+ · $detail}")
 }
 warn() {
-  # Forms (same idea as err; always try to state the problem):
-  #   warn "problem"
-  #   warn "problem" "why / context"
-  #   warn component "problem" "why / context"
+  # warn "what is soft-bad" ["why still ok to continue"]
+  # warn component "what" "why"
   local a1="${1:-}" a2="${2:-}" a3="${3:-}"
   local head detail
   _take_tid
@@ -446,56 +537,78 @@ warn() {
     head="$a1"
     detail=""
   fi
-  if [ -n "$detail" ]; then
-    printf '%s[WARN]%s  %s%s — %s\n' "$Y" "$N" "$(_fmt_tid)" "$head" "$detail"
-  else
-    printf '%s[WARN]%s  %s%s\n' "$Y" "$N" "$(_fmt_tid)" "$head"
-  fi
+  _msg_line "$BG_WARN" "WARN" "$W" "$head" "$detail"
   WARN_N=$((WARN_N + 1))
 }
 info() {
+  # info "topic" ["concrete fact / value / next step"]
   local label="$1" detail="${2:-}"
   _take_tid
-  if [ -n "$detail" ]; then
-    printf '%s[INFO]%s  %s%s — %s\n' "$C" "$N" "$(_fmt_tid)" "$label" "$detail"
-  else
-    printf '%s[INFO]%s  %s%s\n' "$C" "$N" "$(_fmt_tid)" "$label"
-  fi
+  _msg_line "$BG_INFO" "INFO" "$W" "$label" "$detail"
   INFO_N=$((INFO_N + 1))
 }
 blocker() {
-  # Payment/withdraw path cannot proceed because of this
+  # Hard stop on pay/withdraw path: blocker "step" "why it cannot continue"
   local step="$1" msg="$2"
   _take_tid
-  printf '%s[BLOCKER]%s %s%s: %s\n' "$R$B" "$N" "$(_fmt_tid)" "$step" "$msg"
+  _msg_line "$BG_BLK" "BLOCKER" "$W" "${step}" "$msg"
   BLOCKERS+=("${LAST_TID:+$LAST_TID }[$step] $msg")
   FAIL_N=$((FAIL_N + 1))
   ERRORS+=("BLOCKER ${LAST_TID:+$LAST_TID }[$step] $msg")
 }
-section() { printf '\n%s== %s ==%s\n' "$B" "$*" "$N"; }
+section() {
+  # Boxed section header (3 lines when colour on)
+  local title="$*"
+  local w=${#title}
+  [ "$w" -lt 24 ] && w=24
+  [ "$w" -gt 56 ] && w=56
+  local pad line i
+  pad=$(printf -- "%-${w}s" "$title")
+  if [ "${BOX:-0}" = "1" ]; then
+    line=""
+    i=0
+    while [ "$i" -lt $((w + 2)) ]; do
+      line="${line}═"
+      i=$((i + 1))
+    done
+    printf -- '\n%s╔%s╗%s\n' "$BG_SEC" "$line" "$N"
+    printf -- '%s║%s %s%s%s %s║%s\n' "$BG_SEC" "$N" "$B" "$pad" "$N" "$BG_SEC" "$N"
+    printf -- '%s╚%s╝%s\n' "$BG_SEC" "$line" "$N"
+  else
+    printf -- '\n== %s ==\n' "$title"
+  fi
+}
 
 summary() {
   echo ""
   if [ "${#BLOCKERS[@]}" -gt 0 ]; then
-    printf '%s--- BLOCKERS (fix/withdraw path) ---%s\n' "$R$B" "$N"
+    if [ "${BOX:-0}" = "1" ]; then
+      printf -- '%s┌ BLOCKERS · pay/withdraw cannot finish ┐%s\n' "$BG_BLK" "$N"
+    else
+      printf -- '--- BLOCKERS (pay/withdraw cannot finish) ---\n'
+    fi
     local b
     for b in "${BLOCKERS[@]}"; do
-      printf '%s  • %s%s\n' "$R" "$b" "$N"
+      printf -- '%s  •%s %s%s%s\n' "$M" "$N" "$W" "$b" "$N"
     done
   fi
   if [ "${#ERRORS[@]}" -gt 0 ] && [ "${#BLOCKERS[@]}" -lt "${#ERRORS[@]}" ]; then
-    printf '%s--- ERRORS ---%s\n' "$R" "$N"
+    if [ "${BOX:-0}" = "1" ]; then
+      printf -- '%s┌ ERRORS · failed checks ┐%s\n' "$BG_ERR" "$N"
+    else
+      printf -- '--- ERRORS (failed checks) ---\n'
+    fi
     local e
     for e in "${ERRORS[@]}"; do
       case "$e" in BLOCKER*) continue ;; esac
-      printf '%s  • %s%s\n' "$R" "$e" "$N"
+      printf -- '%s  •%s %s%s%s\n' "$R" "$N" "$W" "$e" "$N"
     done
   fi
-  printf 'totals: %s%d OK%s' "$G" "$PASS_N" "$N"
-  [ "$FAIL_N" -gt 0 ] && printf ', %s%d ERROR%s' "$R" "$FAIL_N" "$N"
-  [ "$WARN_N" -gt 0 ] && printf ', %s%d WARN%s' "$Y" "$WARN_N" "$N"
-  [ "$INFO_N" -gt 0 ] && printf ', %d INFO' "$INFO_N"
-  [ "${#BLOCKERS[@]}" -gt 0 ] && printf ', %s%d BLOCKER%s' "$R" "${#BLOCKERS[@]}" "$N"
+  printf -- '%stotals:%s %s%d OK%s' "$D" "$N" "$G" "$PASS_N" "$N"
+  [ "$FAIL_N" -gt 0 ] && printf -- ', %s%d ERROR%s' "$R" "$FAIL_N" "$N"
+  [ "$WARN_N" -gt 0 ] && printf -- ', %s%d WARN%s' "$Y" "$WARN_N" "$N"
+  [ "$INFO_N" -gt 0 ] && printf -- ', %s%d INFO%s' "$C" "$INFO_N" "$N"
+  [ "${#BLOCKERS[@]}" -gt 0 ] && printf -- ', %s%d BLOCKER%s' "$M" "${#BLOCKERS[@]}" "$N"
   printf '\n'
   [ "$FAIL_N" -eq 0 ]
 }