diff --git a/apps/voko-server/package.json b/apps/voko-server/package.json
index e7402bc..405d7b7 100644
--- a/apps/voko-server/package.json
+++ b/apps/voko-server/package.json
@@ -16,6 +16,7 @@
     "verify:f0": "node tools/scenarios/voko-alpha/f0-onboarding.mjs",
     "verify:f1": "node tools/scenarios/voko-alpha/f1-publish.mjs",
     "verify:f2": "node tools/scenarios/voko-alpha/f2-execute.mjs",
+    "verify:f3": "node tools/scenarios/voko-alpha/f3-review-settle.mjs",
     "verify:timers": "node tools/scenarios/voko-alpha/timers.mjs",
     "verify:concurrency": "node tools/scenarios/voko-alpha/concurrency.mjs",
     "verify:conservation": "node tools/scenarios/voko-alpha/verify-conservation.mjs"
diff --git a/apps/voko-server/src/routes/access.js b/apps/voko-server/src/routes/access.js
index 9c60d02..61b6e14 100644
--- a/apps/voko-server/src/routes/access.js
+++ b/apps/voko-server/src/routes/access.js
@@ -11,12 +11,18 @@ const ListQuery = v.object({
 const ReviewParams = v.object({ id: v.pipe(v.string(), v.minLength(1)) })
 const ReviewBody = v.object({ decision: v.picklist(['approved', 'rejected']) })
 const ClaimParams = v.object({ token: v.pipe(v.string(), v.minLength(1)) })
-const ClaimBody = v.object({ verification_code: v.pipe(v.string(), v.minLength(1)), guild_id: v.pipe(v.string(), v.minLength(1)) })
+const ClaimBody = v.object({ verification_code: v.pipe(v.string(), v.minLength(1)), guild_id: v.pipe(v.string(), v.minLength(1)), role: v.optional(v.picklist(['member', 'company']), 'member') })
+const WindowSec = v.pipe(v.number(), v.safeInteger(), v.minValue(1), v.maxValue(30 * 86400))
 const GuildBody = v.object({
   name: v.pipe(v.string(), v.minLength(1), v.maxLength(120)),
   slug: v.pipe(v.string(), v.regex(/^[a-z0-9][a-z0-9-]{1,62}$/)),
   lead_user_id: v.pipe(v.string(), v.minLength(1)),
   require_lead_approval: v.boolean(),
+  // 时间规则是公会级产品配置（默认 6h / 24h / 72h / 24h）。
+  checkpoint_interval_sec: v.optional(WindowSec),
+  piece_review_window_sec: v.optional(WindowSec),
+  contest_review_window_sec: v.optional(WindowSec),
+  transfer_ttl_sec: v.optional(WindowSec),
 })
 
 /**
@@ -58,7 +64,7 @@ export function registerAccessRoutes(app, services) {
     const user = await requireUser(request, services)
     const params = v.parse(ClaimParams, request.params)
     const body = v.parse(ClaimBody, request.body)
-    const result = await agentAccess.claim(request.ctx, { claim_token: params.token, user_id: user.id, verification_code: body.verification_code, guild_id: body.guild_id })
+    const result = await agentAccess.claim(request.ctx, { claim_token: params.token, user_id: user.id, verification_code: body.verification_code, guild_id: body.guild_id, role: body.role })
     if (!result.ok) throw codedError(result.message, result.code)
     return { agent: agentView(result.agent) }
   })
diff --git a/apps/voko-server/src/routes/owner.js b/apps/voko-server/src/routes/owner.js
index 77f2bb4..7d5b0f1 100644
--- a/apps/voko-server/src/routes/owner.js
+++ b/apps/voko-server/src/routes/owner.js
@@ -5,6 +5,9 @@ import { agentView, IdempotencyKey, PublishBody, REFUSAL_STATUS, taskView } from
 
 const AgentParams = v.object({ id: v.pipe(v.string(), v.minLength(1), v.maxLength(64)) })
 const LimitBody = v.object({ daily_spend_limit: v.nullable(v.pipe(v.number(), v.safeInteger(), v.minValue(0))) })
+const TaskIdParams = v.object({ task_id: v.pipe(v.string(), v.minLength(1), v.maxLength(64)) })
+const ApprovalBody = v.object({ decision: v.picklist(['approve', 'reject']) })
+const ResolveBody = v.object({ outcome: v.picklist(['settled', 'refunded']), winner_agent_id: v.optional(v.pipe(v.string(), v.minLength(1), v.maxLength(64))) })
 const StatusBody = v.object({ status: v.picklist(['active', 'suspended']) })
 
 /**
@@ -80,4 +83,41 @@ export function registerOwnerRoutes(app, services) {
     if (!result.ok) return reply.code(REFUSAL_STATUS[result.code]).send({ error: { code: result.code, message: result.hint, retryable: false } })
     return { task: taskView(result.task) }
   })
+
+  /**
+   * 业务拒绝 → 网页接口的错误形状。
+   * @param {import('fastify').FastifyReply} reply
+   * @param {{ code: keyof typeof REFUSAL_STATUS, hint: string }} refusal
+   */
+  const refused = (reply, refusal) => reply.code(REFUSAL_STATUS[refusal.code]).send({ error: { code: refusal.code, message: refusal.hint, retryable: false } })
+
+  // 负责人：待审核任务（公司 Agent 发布、公会开启发布前审核时）。
+  app.get('/api/voko/approvals', async (request) => {
+    const user = await requireUser(request, services)
+    return { tasks: (await tasks.listPendingApprovals(request.ctx, { user_id: user.id })).map(taskView) }
+  })
+
+  app.post('/api/voko/approvals/:task_id', async (request, reply) => {
+    const user = await requireUser(request, services)
+    const params = v.parse(TaskIdParams, request.params)
+    const body = v.parse(ApprovalBody, request.body)
+    const result = await tasks.decideApproval(request.ctx, { user_id: user.id, task_id: params.task_id, decision: body.decision })
+    return result.ok ? { task: taskView(result.task) } : refused(reply, result)
+  })
+
+  // 运营：仲裁队列与裁决。
+  app.get('/api/voko/admin/disputes', async (request) => {
+    const user = await requireUser(request, services)
+    if (user.role !== 'admin') throw codedError('admin permission required', 'FORBIDDEN')
+    return { disputes: (await tasks.listOpenDisputes(request.ctx)).map((item) => ({ dispute_id: item.dispute_id, status: item.status, opened_by_agent_id: item.opened_by_agent_id, created_at: item.created_at.toISOString(), task: taskView(item.task) })) }
+  })
+
+  app.post('/api/voko/admin/disputes/:task_id/resolve', async (request, reply) => {
+    const user = await requireUser(request, services)
+    if (user.role !== 'admin') throw codedError('admin permission required', 'FORBIDDEN')
+    const params = v.parse(TaskIdParams, request.params)
+    const body = v.parse(ResolveBody, request.body)
+    const result = await tasks.resolveDispute(request.ctx, { user_id: user.id, task_id: params.task_id, outcome: body.outcome, winner_agent_id: body.winner_agent_id ?? null })
+    return result.ok ? { task: taskView(result.task) } : refused(reply, result)
+  })
 }
diff --git a/apps/voko-server/src/routes/v1.js b/apps/voko-server/src/routes/v1.js
index 64ff39a..43e906f 100644
--- a/apps/voko-server/src/routes/v1.js
+++ b/apps/voko-server/src/routes/v1.js
@@ -33,6 +33,24 @@ const ListQuery = v.object({
   cursor: v.optional(v.pipe(v.string(), v.regex(/^[^|]+\|[^|]+$/))),
   limit: v.optional(v.pipe(v.string(), v.transform(Number), v.integer(), v.minValue(1), v.maxValue(100)), '50'),
 })
+const HttpsUrl = v.pipe(v.string(), v.url(), v.startsWith('https://'), v.maxLength(2048))
+const CheckpointBody = v.object({
+  progress: v.pipe(v.number(), v.safeInteger(), v.minValue(0), v.maxValue(100)),
+  note: v.optional(v.pipe(v.string(), v.minLength(1), v.maxLength(2000))),
+  links: v.optional(v.pipe(v.array(HttpsUrl), v.maxLength(10)), []),
+})
+// 交付物只接受链接，平台不托管文件。
+const SubmitBody = v.object({
+  summary: v.pipe(v.string(), v.minLength(1), v.maxLength(20000)),
+  artifacts: v.pipe(v.array(v.object({ type: v.literal('link'), url: HttpsUrl, note: v.optional(v.pipe(v.string(), v.maxLength(500))) })), v.minLength(1), v.maxLength(20)),
+})
+const ReviewBody = v.object({
+  action: v.picklist(['accept', 'reject', 'select_winner']),
+  checks: v.pipe(v.array(v.object({ id: v.pipe(v.string(), v.minLength(1), v.maxLength(32)), pass: v.boolean(), reason: v.pipe(v.string(), v.minLength(1), v.maxLength(1000)) })), v.minLength(1), v.maxLength(5)),
+  reason: v.optional(v.pipe(v.string(), v.minLength(1), v.maxLength(4000))),
+  submission_id: v.optional(v.pipe(v.string(), v.minLength(1), v.maxLength(64))),
+})
+const TransferBody = v.object({ to_agent_id: v.pipe(v.string(), v.minLength(1), v.maxLength(64)) })
 const CommentBody = v.object({ body: v.pipe(v.string(), v.minLength(1), v.maxLength(4000)) })
 const EventsQuery = v.object({ since: v.optional(v.pipe(v.string(), v.transform(Number), v.integer(), v.minValue(0)), '0') })
 export const IdempotencyKey = v.pipe(v.string('Idempotency-Key header is required'), v.minLength(1), v.maxLength(100))
@@ -155,7 +173,13 @@ export function registerV1Routes(app, services) {
       const params = v.parse(TaskParams, request.params)
       const result = await tasks.get(request.ctx, { agent: agentOf(request), task_id: params.id })
       if (!result.ok) return refused(reply, result)
-      return ok({ ...taskView(result.task), acceptance: result.acceptance, entry_count: result.entry_count })
+      return ok({
+        ...taskView(result.task),
+        acceptance: result.acceptance,
+        entry_count: result.entry_count,
+        checkpoints: result.checkpoints.map((item) => ({ id: item.id, agent_id: item.agent_id, progress: item.progress, note: item.note, links: item.links, created_at: item.created_at.toISOString() })),
+        submissions: result.submissions.map((item) => ({ id: item.id, agent_id: item.agent_id, round: item.round, summary: item.summary, artifacts: item.artifacts, created_at: item.created_at.toISOString() })),
+      })
     })
 
     v1.patch('/tasks/:id', async (request, reply) => {
@@ -165,13 +189,52 @@ export function registerV1Routes(app, services) {
       return acted(reply, await tasks.act(request.ctx, { agent: agentOf(request), task_id: params.id, action: { type: 'edit', add_reward: body.add_reward ?? 0, deadline_at: body.deadline ?? null }, idempotency_key: key }))
     })
 
-    for (const type of /** @type {const} */ (['cancel', 'claim', 'enter'])) {
+    for (const type of /** @type {const} */ (['cancel', 'claim', 'enter', 'release', 'dispute'])) {
       v1.post(`/tasks/:id/${type}`, async (request, reply) => {
         const params = v.parse(TaskParams, request.params)
         return acted(reply, await tasks.act(request.ctx, { agent: agentOf(request), task_id: params.id, action: { type } }))
       })
     }
 
+    v1.post('/tasks/:id/checkpoints', async (request, reply) => {
+      const params = v.parse(TaskParams, request.params)
+      const body = v.parse(CheckpointBody, request.body)
+      const result = await tasks.checkpoint(request.ctx, { agent: agentOf(request), task_id: params.id, progress: body.progress, note: body.note ?? null, links: body.links })
+      if (!result.ok) return refused(reply, result)
+      return ok({ ...result.recorded, next_checkpoint_due: taskView(result.task).next_checkpoint_due })
+    })
+
+    v1.post('/tasks/:id/submit', async (request, reply) => {
+      const params = v.parse(TaskParams, request.params)
+      const body = v.parse(SubmitBody, request.body)
+      const result = await tasks.submit(request.ctx, { agent: agentOf(request), task_id: params.id, summary: body.summary, artifacts: body.artifacts })
+      if (!result.ok) return refused(reply, result)
+      return ok({ ...result.recorded, status: result.task.status, review_due: taskView(result.task).review_due })
+    })
+
+    v1.post('/tasks/:id/review', async (request, reply) => {
+      const params = v.parse(TaskParams, request.params)
+      const body = v.parse(ReviewBody, request.body)
+      const result = await tasks.review(request.ctx, { agent: agentOf(request), task_id: params.id, action: body.action, checks: body.checks, reason: body.reason ?? null, submission_id: body.submission_id ?? null })
+      if (!result.ok) return refused(reply, result)
+      return ok({ ...result.recorded, ...taskView(result.task) })
+    })
+
+    v1.post('/tasks/:id/transfer', async (request, reply) => {
+      const params = v.parse(TaskParams, request.params)
+      const body = v.parse(TransferBody, request.body)
+      const result = await tasks.requestTransfer(request.ctx, { agent: agentOf(request), task_id: params.id, to_agent_id: body.to_agent_id })
+      if (!result.ok) return refused(reply, result)
+      return ok({ transfer_id: result.transfer_id, status: 'pending', expires_at: result.expires_at.toISOString() })
+    })
+
+    for (const decision of /** @type {const} */ (['accept', 'decline'])) {
+      v1.post(`/tasks/:id/transfer/${decision}`, async (request, reply) => {
+        const params = v.parse(TaskParams, request.params)
+        return acted(reply, await tasks.answerTransfer(request.ctx, { agent: agentOf(request), task_id: params.id, decision }))
+      })
+    }
+
     v1.get('/tasks/:id/comments', async (request, reply) => {
       const params = v.parse(TaskParams, request.params)
       const result = await tasks.listComments(request.ctx, { agent: agentOf(request), task_id: params.id })
diff --git a/apps/voko-server/tools/scenarios/voko-alpha/_lib.mjs b/apps/voko-server/tools/scenarios/voko-alpha/_lib.mjs
index 3a982c8..57cfecc 100644
--- a/apps/voko-server/tools/scenarios/voko-alpha/_lib.mjs
+++ b/apps/voko-server/tools/scenarios/voko-alpha/_lib.mjs
@@ -117,20 +117,21 @@ function createWorld(name, db) {
     return owner
   }
 
-  async function createGuild(tag, leadUserId) {
-    const guild = await call('POST', '/api/voko/admin/guilds', { token: await admin(), body: { name: `${name} ${tag}`, slug: `${name}-${tag}-${run}`, lead_user_id: leadUserId, require_lead_approval: false } })
+  /** `settings` 可覆盖 require_lead_approval 与四个时间规则（分钟级 / 秒级的公会用于时间类用例）。 */
+  async function createGuild(tag, leadUserId, settings = {}) {
+    const guild = await call('POST', '/api/voko/admin/guilds', { token: await admin(), body: { name: `${name} ${tag}`, slug: `${name}-${tag}-${run}`, lead_user_id: leadUserId, require_lead_approval: false, ...settings } })
     check(`建公会 ${tag}`, guild.status === 200, guild)
     guildIds.push(guild.json.guild.id)
     return guild.json.guild.id
   }
 
   /** 注册一个 Agent 并由主人认领进公会；返回 { id, key }。 */
-  async function createAgent(tag, owner, guildId) {
+  async function createAgent(tag, owner, guildId, role = 'member') {
     const registered = await call('POST', '/v1/agents/register', { body: { name: `${name}-${tag}-${run}`, skills: ['writing'] } })
     check(`Agent ${tag}：注册`, registered.status === 200, registered)
     const data = registered.json.data
     agentIds.push(data.agent_id)
-    const claimed = await call('POST', `/api/voko/claims/${data.claim_url.split('/claim/')[1]}`, { token: owner.token, body: { verification_code: data.verification_code, guild_id: guildId } })
+    const claimed = await call('POST', `/api/voko/claims/${data.claim_url.split('/claim/')[1]}`, { token: owner.token, body: { verification_code: data.verification_code, guild_id: guildId, role } })
     check(`Agent ${tag}：认领`, claimed.status === 200 && claimed.json.agent.status === 'active', claimed)
     return { id: data.agent_id, key: data.api_key }
   }
@@ -154,7 +155,8 @@ function createWorld(name, db) {
     const taskIds = guildIds.length === 0 ? [] : (await db('vk_tasks').whereIn('guild_id', guildIds).select('id')).map((row) => row.id)
     const wallets = agentIds.length === 0 ? [] : (await db('vk_agents').whereIn('id', agentIds).select('wallet_user_id')).map((row) => row.wallet_user_id)
     if (taskIds.length > 0) {
-      for (const table of ['vk_task_acceptance_items', 'vk_task_holds', 'vk_task_entries', 'vk_comments', 'vk_escrow_payouts', 'vk_escrows']) await db(table).whereIn('task_id', taskIds).del()
+      await db('vk_review_checks').whereIn('review_id', db('vk_reviews').whereIn('task_id', taskIds).select('id')).del()
+      for (const table of ['vk_task_acceptance_items', 'vk_task_holds', 'vk_task_entries', 'vk_comments', 'vk_checkpoints', 'vk_submissions', 'vk_reviews', 'vk_disputes', 'vk_transfers', 'vk_escrow_payouts', 'vk_escrows']) await db(table).whereIn('task_id', taskIds).del()
       await db('vk_jobs').whereIn('ref_id', taskIds).del()
       await db('vk_tasks').whereIn('id', taskIds).del()
     }
@@ -181,5 +183,26 @@ function createWorld(name, db) {
     }
   }
 
-  return { db, results, check, call, createOwner, createGuild, createAgent, grantBudget, publish, cleanup }
+  /** 轮询任务详情直到满足条件（等真实 worker 执行），最多 `seconds` 秒；返回最后一次读到的任务。 */
+  async function waitForTask(agent, taskId, predicate, seconds = 40) {
+    let task = null
+    for (let i = 0; i < seconds; i += 1) {
+      task = (await call('GET', `/v1/tasks/${taskId}`, { token: agent.key })).json.data
+      if (predicate(task)) return task
+      await new Promise((resolve) => setTimeout(resolve, 1000))
+    }
+    return task
+  }
+
+  const wallet = async (agent) => (await call('GET', '/v1/wallet', { token: agent.key })).json.data
+  const SUBMISSION = { summary: 'Translated; see the doc.', artifacts: [{ type: 'link', url: 'https://example.com/doc/1', note: 'translation' }] }
+  const submit = (agent, taskId) => call('POST', `/v1/tasks/${taskId}/submit`, { token: agent.key, body: SUBMISSION })
+  const claim = (agent, taskId) => call('POST', `/v1/tasks/${taskId}/claim`, { token: agent.key })
+  /** 按清单逐条验收；`failing` 是不通过的清单项 id。 */
+  const review = (agent, taskId, action, ids, failing = [], extra = {}) => call('POST', `/v1/tasks/${taskId}/review`, {
+    token: agent.key,
+    body: { action, checks: ids.map((id) => ({ id, pass: !failing.includes(id), reason: failing.includes(id) ? 'Not met yet.' : 'Looks good.' })), ...extra },
+  })
+
+  return { db, results, check, call, admin, createOwner, createGuild, createAgent, grantBudget, publish, waitForTask, wallet, submit, claim, review, cleanup }
 }
diff --git a/apps/voko-server/tools/scenarios/voko-alpha/f1-publish.mjs b/apps/voko-server/tools/scenarios/voko-alpha/f1-publish.mjs
index 27df057..fd06d0c 100644
--- a/apps/voko-server/tools/scenarios/voko-alpha/f1-publish.mjs
+++ b/apps/voko-server/tools/scenarios/voko-alpha/f1-publish.mjs
@@ -1,12 +1,12 @@
 #!/usr/bin/env node
 /**
- * F1 发布的真实链路脚本（Planning 用例 F1-01、02、03、05、06、07、08；F1-04 发布前审核在 W3）。
+ * F1 发布的真实链路脚本（Planning 用例 F1-01 – F1-08）。
  */
 import { randomUUID } from 'node:crypto'
 
 import { runScenario } from './_lib.mjs'
 
-await runScenario('f1', async ({ db, check, call, createOwner, createGuild, createAgent, publish }) => {
+await runScenario('f1', async ({ db, check, call, createOwner, createGuild, createAgent, publish, wallet: walletOf }) => {
   const alice = await createOwner('alice')
   const bob = await createOwner('bob')
   const guild = await createGuild('main', alice.user_id)
@@ -81,4 +81,27 @@ await runScenario('f1', async ({ db, check, call, createOwner, createGuild, crea
   const entered = await call('POST', `/v1/tasks/${contest.id}/enter`, { token: member.key })
   const cancelContest = await call('POST', `/v1/tasks/${contest.id}/cancel`, { token: publisher.key })
   check('F1-07 有人报名后撤回 → 409', entered.status === 200 && entered.json.data.status === 'in_contest' && cancelContest.status === 409, { entered, cancelContest })
+
+  // F1-04 公会开启发布前审核：公司 Agent 发布 → 待审核且成员不可见；负责人通过 → open；驳回 → cancelled 并退款。
+  const strict = await createGuild('strict', alice.user_id, { require_lead_approval: true })
+  const notLead = await call('POST', '/v1/agents/register', { body: { name: 'f1-not-lead', skills: [] } })
+  const notLeadClaim = await call('POST', `/api/voko/claims/${notLead.json.data.claim_url.split('/claim/')[1]}`, { token: bob.token, body: { verification_code: notLead.json.data.verification_code, guild_id: strict, role: 'company' } })
+  check('非负责人认领公司 Agent → 403', notLeadClaim.status === 403, notLeadClaim)
+  const company = await createAgent('company', alice, strict, 'company')
+  const staff = await createAgent('staff', bob, strict)
+  const pending = (await publish(company, { reward: 50 })).json.data
+  const staffList = await call('GET', '/v1/tasks', { token: staff.key })
+  const staffGet = await call('GET', `/v1/tasks/${pending.id}`, { token: staff.key })
+  check('F1-04 公司 Agent 发布 → pending_approval，托管已冻结，成员不可见', pending.status === 'pending_approval' && (await walletOf(company)).held === 50 && staffList.json.data.tasks.length === 0 && staffGet.status === 404, { pending, staffList, staffGet })
+  const queue = await call('GET', '/api/voko/approvals', { token: alice.token })
+  const bobDecides = await call('POST', `/api/voko/approvals/${pending.id}`, { token: bob.token, body: { decision: 'approve' } })
+  check('负责人待审核列表里有它；非负责人审核 → 403', queue.json.tasks.some((t) => t.id === pending.id) && bobDecides.status === 403, { queue, bobDecides })
+  const approved = await call('POST', `/api/voko/approvals/${pending.id}`, { token: alice.token, body: { decision: 'approve' } })
+  const staffSees = await call('GET', `/v1/tasks/${pending.id}`, { token: staff.key })
+  check('F1-04 负责人通过 → open，成员可见', approved.status === 200 && approved.json.task.status === 'open' && staffSees.status === 200, { approved, staffSees })
+  const rejectedTask = (await publish(company, { reward: 30 })).json.data
+  const rejected = await call('POST', `/api/voko/approvals/${rejectedTask.id}`, { token: alice.token, body: { decision: 'reject' } })
+  check('F1-04 负责人驳回 → cancelled 并退款', rejected.json.task.status === 'cancelled' && JSON.stringify(await walletOf(company)) === JSON.stringify({ available: 50, held: 50 }), { rejected, wallet: await walletOf(company) })
+  const memberPublish = (await publish(staff, { reward: 10 })).json.data
+  check('员工 Agent 在开启审核的公会发布 → 直接 open', memberPublish.status === 'open', memberPublish)
 })
diff --git a/apps/voko-server/tools/scenarios/voko-alpha/f2-execute.mjs b/apps/voko-server/tools/scenarios/voko-alpha/f2-execute.mjs
index c5e0a8a..ad91c98 100644
--- a/apps/voko-server/tools/scenarios/voko-alpha/f2-execute.mjs
+++ b/apps/voko-server/tools/scenarios/voko-alpha/f2-execute.mjs
@@ -1,10 +1,10 @@
 #!/usr/bin/env node
 /**
- * F2 接单的真实链路脚本（Planning 用例 F2-01、F2-02 的报名部分；检查点、接力、转让、提交在 W3）。
+ * F2 接单与执行的真实链路脚本（Planning 用例 F2-01、02、03、05、06、07；F2-04 求助在 W4）。
  */
 import { runScenario } from './_lib.mjs'
 
-await runScenario('f2', async ({ check, call, createOwner, createGuild, createAgent, grantBudget, publish }) => {
+await runScenario('f2', async ({ db, check, call, createOwner, createGuild, createAgent, grantBudget, publish, submit, claim }) => {
   const alice = await createOwner('alice')
   const bob = await createOwner('bob')
   const guild = await createGuild('main', alice.user_id)
@@ -47,4 +47,58 @@ await runScenario('f2', async ({ check, call, createOwner, createGuild, createAg
   const again = await call('POST', `/v1/tasks/${contest.id}/enter`, { token: taker.key })
   const ownContest = await call('POST', `/v1/tasks/${contest.id}/enter`, { token: sibling.key })
   check('重复报名、同主人报名 → 409', again.status === 409 && ownContest.status === 409, { again, ownContest })
+  const sealedSubmit = await submit(taker, contest.id)
+  const twice = await submit(taker, contest.id)
+  const outsiderSubmit = await submit(sibling, contest.id)
+  const asPublisher = await call('GET', `/v1/tasks/${contest.id}`, { token: publisher.key })
+  const asRival = await call('GET', `/v1/tasks/${contest.id}`, { token: rival.key })
+  const asTaker = await call('GET', `/v1/tasks/${contest.id}`, { token: taker.key })
+  check('F2-02 截止前提交封存：发布方与其他参赛者都看不到，本人能看到', sealedSubmit.status === 200 && asPublisher.json.data.submissions.length === 0 && asRival.json.data.submissions.length === 0 && asTaker.json.data.submissions.length === 1, { sealedSubmit, asPublisher: asPublisher.json.data.submissions, asRival: asRival.json.data.submissions })
+  check('擂台赛重复提交 → 409，未报名提交 → 403', twice.status === 409 && outsiderSubmit.status === 403, { twice, outsiderSubmit })
+
+  // F2-03 检查点刷新下次到期时间。
+  const working = tasks[0]
+  const before = (await call('GET', '/v1/home', { token: taker.key })).json.data.my_active_tasks.find((t) => t.id === working.id).next_checkpoint_due
+  await new Promise((resolve) => setTimeout(resolve, 1100))
+  const checkpoint = await call('POST', `/v1/tasks/${working.id}/checkpoints`, { token: taker.key, body: { progress: 40, note: 'Draft done', links: ['https://example.com/draft'] } })
+  const after = (await call('GET', '/v1/home', { token: taker.key })).json.data.my_active_tasks.find((t) => t.id === working.id).next_checkpoint_due
+  check('F2-03 检查点 → 刷新下次到期时间，/home 返回新时间', checkpoint.status === 200 && checkpoint.json.data.next_checkpoint_due === after && new Date(after) > new Date(before), { checkpoint, before, after })
+  const notHolder = await call('POST', `/v1/tasks/${working.id}/checkpoints`, { token: rival.key, body: { progress: 10 } })
+  check('非持有人上报检查点 → 403', notHolder.status === 403, notHolder)
+
+  // F2-05 放弃 → 回 open、hold 记 released；接力者能读到全部历史检查点。
+  const released = await call('POST', `/v1/tasks/${working.id}/release`, { token: taker.key })
+  const hold = await db('vk_task_holds').where({ task_id: working.id }).first()
+  check('F2-05 放弃 → open，hold 记 released 且留有有效检查点', released.status === 200 && released.json.data.status === 'open' && hold.end_reason === 'released' && hold.has_valid_checkpoint === 1, { released, hold })
+  const relay = await claim(rival, working.id)
+  const relayView = await call('GET', `/v1/tasks/${working.id}`, { token: rival.key })
+  check('F2-05 接力者能读到历史检查点', relay.status === 200 && relayView.json.data.checkpoints.length === 1 && relayView.json.data.checkpoints[0].note === 'Draft done', relayView)
+
+  // F2-06 转让：拒绝 → 不变；接受 → 持有人变更。
+  const moving = tasks[1]
+  const toSelf = await call('POST', `/v1/tasks/${moving.id}/transfer`, { token: taker.key, body: { to_agent_id: taker.id } })
+  check('转给自己 → 422', toSelf.status === 422, toSelf)
+  const requested = await call('POST', `/v1/tasks/${moving.id}/transfer`, { token: taker.key, body: { to_agent_id: rival.id } })
+  const duplicate = await call('POST', `/v1/tasks/${moving.id}/transfer`, { token: taker.key, body: { to_agent_id: rival.id } })
+  check('发起转让 → pending；同一任务第二个待确认转让 → 409', requested.status === 200 && requested.json.data.status === 'pending' && duplicate.status === 409, { requested, duplicate })
+  const rivalEvents = await call('GET', '/v1/events?since=0', { token: rival.key })
+  check('被转让方收到 task.transfer_requested', rivalEvents.json.data.events.some((e) => e.type === 'task.transfer_requested' && e.task_id === moving.id), rivalEvents)
+  const declined = await call('POST', `/v1/tasks/${moving.id}/transfer/decline`, { token: rival.key })
+  const afterDecline = await call('GET', `/v1/tasks/${moving.id}`, { token: taker.key })
+  check('F2-06 对方拒绝 → 持有人不变', declined.status === 200 && afterDecline.json.data.holder_agent_id === taker.id, { declined, afterDecline })
+  await call('POST', `/v1/tasks/${moving.id}/transfer`, { token: taker.key, body: { to_agent_id: rival.id } })
+  const accepted = await call('POST', `/v1/tasks/${moving.id}/transfer/accept`, { token: rival.key })
+  const holds = await db('vk_task_holds').where({ task_id: moving.id }).orderBy('started_at', 'asc')
+  check('F2-06 对方接受 → 持有人变更，旧 hold 记 transferred', accepted.status === 200 && accepted.json.data.holder_agent_id === rival.id && holds.length === 2 && holds[0].end_reason === 'transferred' && holds[1].ended_at === null, { accepted, holds })
+  const noPending = await call('POST', `/v1/tasks/${moving.id}/transfer/accept`, { token: taker.key })
+  check('没有待确认转让时接受 → 409', noPending.status === 409, noPending)
+
+  // F2-07 交付物只接受链接；提交后进入待验收。
+  const delivering = tasks[2]
+  const notLink = await call('POST', `/v1/tasks/${delivering.id}/submit`, { token: taker.key, body: { summary: 'done', artifacts: [{ type: 'file', url: 'https://example.com/a.zip' }] } })
+  const httpLink = await call('POST', `/v1/tasks/${delivering.id}/submit`, { token: taker.key, body: { summary: 'done', artifacts: [{ type: 'link', url: 'http://example.com/a' }] } })
+  check('F2-07 非链接或非 https 交付物 → 400', notLink.status === 400 && httpLink.status === 400, { notLink, httpLink })
+  const submitted = await submit(taker, delivering.id)
+  const publisherHome = await call('GET', '/v1/home', { token: publisher.key })
+  check('F2-07 提交 → submitted，发布方 /home 的 to_review 出现', submitted.status === 200 && submitted.json.data.status === 'submitted' && typeof submitted.json.data.review_due === 'string' && publisherHome.json.data.to_review.some((t) => t.id === delivering.id), { submitted, to_review: publisherHome.json.data.to_review })
 })
diff --git a/apps/voko-server/tools/scenarios/voko-alpha/f3-review-settle.mjs b/apps/voko-server/tools/scenarios/voko-alpha/f3-review-settle.mjs
new file mode 100644
index 0000000..cb6e7f4
--- /dev/null
+++ b/apps/voko-server/tools/scenarios/voko-alpha/f3-review-settle.mjs
@@ -0,0 +1,100 @@
+#!/usr/bin/env node
+/**
+ * F3 验收与结算的真实链路脚本（Planning 用例 F3-01、02、03、04、05；F3-06 打赏在 W4）。
+ * F3-05 需要 voko-worker 在跑（擂台赛到截止由 worker 关闭）。F3-04 的「AI 建议写入」依赖大模型装配，尚未覆盖。
+ */
+import { runScenario } from './_lib.mjs'
+
+await runScenario('f3', async ({ db, check, call, admin, createOwner, createGuild, createAgent, grantBudget, publish, waitForTask, wallet, submit, claim, review }) => {
+  const alice = await createOwner('alice')
+  const bob = await createOwner('bob')
+  const carol = await createOwner('carol')
+  const guild = await createGuild('main', alice.user_id)
+  const publisher = await createAgent('publisher', alice, guild)
+  const taker = await createAgent('taker', bob, guild)
+  const helper = await createAgent('helper', carol, guild)
+  await grantBudget(publisher.id, 1000)
+  const items = [{ id: 'c1', text: 'Natural Japanese' }, { id: 'c2', text: 'Keeps all links' }]
+  const ids = ['c1', 'c2']
+  const xpOf = async (agent) => (await call('GET', '/v1/agents/me', { token: agent.key })).json.data.xp
+
+  // F3-01 验收格式。
+  const first = (await publish(publisher, { reward: 60, acceptance: items })).json.data
+  await claim(taker, first.id)
+  const early = await review(publisher, first.id, 'accept', ids)
+  check('未提交就验收 → 409', early.status === 409, early)
+  await submit(taker, first.id)
+  const partial = await review(publisher, first.id, 'accept', ['c1'])
+  const contradiction = await review(publisher, first.id, 'accept', ids, ['c2'])
+  const allPassReject = await review(publisher, first.id, 'reject', ids)
+  check('F3-01 checks 未覆盖全部清单项，或 pass 与 action 矛盾 → 422', partial.status === 422 && contradiction.status === 422 && allPassReject.status === 422 && partial.json.error.code === 'rule_violation', { partial, contradiction, allPassReject })
+  const stranger = await review(taker, first.id, 'accept', ids)
+  check('非发布方验收 → 403', stranger.status === 403, stranger)
+
+  // F3-02 通过 → 积分入接单方、托管 released、XP 增加、流水可查。
+  const accepted = await review(publisher, first.id, 'accept', ids)
+  const escrow = await db('vk_escrows').where({ task_id: first.id }).first()
+  const payoutLedger = await db('billing_ledger').where({ ref_id: first.id, reason: 'vk_task_payout' })
+  check('F3-02 通过 → settled，接单方 +60、托管 released、XP +60、一笔流水', accepted.status === 200 && accepted.json.data.status === 'settled' && (await wallet(taker)).available === 160 && escrow.status === 'released' && (await xpOf(taker)) === 60 && payoutLedger.length === 1, { accepted, escrow, wallet: await wallet(taker) })
+  const again = await review(publisher, first.id, 'accept', ids)
+  check('已结算再验收 → 409，不重复发放', again.status === 409 && (await wallet(taker)).available === 160, again)
+  const takerEvents = await call('GET', '/v1/events?since=0', { token: taker.key })
+  check('接单方收到 task.accepted', takerEvents.json.data.events.some((e) => e.type === 'task.accepted' && e.task_id === first.id), takerEvents)
+
+  // F3-03 接力：helper 留检查点后放弃，taker 提交通过 → 平分，余数归 taker。
+  const relayTask = (await publish(publisher, { reward: 101, acceptance: items })).json.data
+  await claim(helper, relayTask.id)
+  await call('POST', `/v1/tasks/${relayTask.id}/checkpoints`, { token: helper.key, body: { progress: 50, note: 'Half done' } })
+  await call('POST', `/v1/tasks/${relayTask.id}/release`, { token: helper.key })
+  await claim(taker, relayTask.id)
+  await submit(taker, relayTask.id)
+  const relayAccepted = await review(publisher, relayTask.id, 'accept', ids)
+  const payouts = await db('vk_escrow_payouts').where({ task_id: relayTask.id }).orderBy('amount', 'desc')
+  check('F3-03 接力结算：最终提交者 51、前任 50', relayAccepted.status === 200 && (await wallet(taker)).available === 211 && (await wallet(helper)).available === 150 && payouts.map((p) => `${p.kind}:${p.amount}`).join() === 'winner:51,relay_share:50', { relayAccepted, payouts, taker: await wallet(taker), helper: await wallet(helper) })
+
+  // F3-04 驳回两次返工，第 3 次进仲裁；运营确认前不动账，确认后按结果结算。
+  const hard = (await publish(publisher, { reward: 40, acceptance: items })).json.data
+  await claim(taker, hard.id)
+  for (const round of [1, 2]) {
+    await submit(taker, hard.id)
+    const rejected = await review(publisher, hard.id, 'reject', ids, ['c2'], { reason: 'Links are missing.' })
+    check(`第 ${round} 次驳回 → rework，返工计数 ${round}`, rejected.status === 200 && rejected.json.data.status === 'rework' && rejected.json.data.rework_count === round, rejected)
+  }
+  await submit(taker, hard.id)
+  const third = await review(publisher, hard.id, 'reject', ids, ['c2'], { reason: 'Still missing.' })
+  const dispute = await db('vk_disputes').where({ task_id: hard.id }).first()
+  check('F3-04 第 3 次驳回 → disputed，生成争议，未动账', third.status === 200 && third.json.data.status === 'disputed' && dispute.status === 'open' && (await wallet(taker)).available === 211 && (await db('vk_escrows').where({ task_id: hard.id }).first()).status === 'held', { third, dispute })
+  const rounds = await db('vk_submissions').where({ task_id: hard.id }).orderBy('round', 'asc').select('round')
+  check('三轮提交各记一份', rounds.map((r) => r.round).join() === '1,2,3', rounds)
+  const adminToken = await admin()
+  const queue = await call('GET', '/api/voko/admin/disputes', { token: adminToken })
+  check('运营仲裁队列里有这条争议', queue.status === 200 && queue.json.disputes.some((d) => d.task.id === hard.id), queue)
+  const notAdmin = await call('POST', `/api/voko/admin/disputes/${hard.id}/resolve`, { token: alice.token, body: { outcome: 'settled' } })
+  check('非运营裁决 → 403', notAdmin.status === 403, notAdmin)
+  const resolved = await call('POST', `/api/voko/admin/disputes/${hard.id}/resolve`, { token: adminToken, body: { outcome: 'settled' } })
+  check('F3-04 运营裁决支付接单方 → settled，接单方 +40', resolved.status === 200 && resolved.json.task.status === 'settled' && (await wallet(taker)).available === 251 && (await db('vk_disputes').where({ task_id: hard.id }).first()).status === 'resolved', { resolved, wallet: await wallet(taker) })
+
+  // 任一方发起争议 → 运营裁决退款。
+  const disputed = (await publish(publisher, { reward: 30, acceptance: items })).json.data
+  await claim(taker, disputed.id)
+  await submit(taker, disputed.id)
+  const publisherBefore = (await wallet(publisher)).available
+  const opened = await call('POST', `/v1/tasks/${disputed.id}/dispute`, { token: taker.key })
+  const refunded = await call('POST', `/api/voko/admin/disputes/${disputed.id}/resolve`, { token: adminToken, body: { outcome: 'refunded' } })
+  check('接单方发起争议 → 运营裁决退款 → refunded，发布方拿回 30', opened.status === 200 && opened.json.data.status === 'disputed' && refunded.json.task.status === 'refunded' && (await wallet(publisher)).available === publisherBefore + 30, { opened, refunded })
+
+  // F3-05 擂台赛选赢家 → 赢家全额，其他人无流水。
+  const contest = (await publish(publisher, { reward: 40, template: 'contest', acceptance: items, deadline: new Date(Date.now() + 5000).toISOString() })).json.data
+  await call('POST', `/v1/tasks/${contest.id}/enter`, { token: taker.key })
+  await call('POST', `/v1/tasks/${contest.id}/enter`, { token: helper.key })
+  const takerSubmission = await submit(taker, contest.id)
+  await submit(helper, contest.id)
+  const closed = await waitForTask(publisher, contest.id, (task) => task.status === 'reviewing')
+  check('擂台赛到截止由 worker 关闭 → reviewing，发布方看得到两份提交', closed.status === 'reviewing' && closed.submissions.length === 2, closed)
+  const noSubmission = await review(publisher, contest.id, 'select_winner', ids)
+  check('select_winner 未指明提交 → 422', noSubmission.status === 422, noSubmission)
+  const helperBefore = (await wallet(helper)).available
+  const won = await review(publisher, contest.id, 'select_winner', ids, [], { submission_id: takerSubmission.json.data.submission_id })
+  const contestPayouts = await db('vk_escrow_payouts').where({ task_id: contest.id })
+  check('F3-05 选赢家 → 赢家全额 40，其他人无流水', won.status === 200 && won.json.data.status === 'settled' && (await wallet(taker)).available === 291 && (await wallet(helper)).available === helperBefore && contestPayouts.length === 1, { won, contestPayouts })
+})
diff --git a/apps/voko-server/tools/scenarios/voko-alpha/timers.mjs b/apps/voko-server/tools/scenarios/voko-alpha/timers.mjs
index 9d87178..bb7d5c0 100644
--- a/apps/voko-server/tools/scenarios/voko-alpha/timers.mjs
+++ b/apps/voko-server/tools/scenarios/voko-alpha/timers.mjs
@@ -1,22 +1,50 @@
 #!/usr/bin/env node
 /**
  * 时间类规则的真实链路脚本，由真实 voko-worker 触发（运行前须已启动 `pnpm --filter @voko/server worker`）。
- * 目前覆盖 TM-05（open 过截止无人接 → cancelled 退款）；TM-01–04、TM-06、F0-06 在 W3–W4 加入。
+ * 用时间规则为秒级的公会（产品配置，不是测试开关）覆盖 TM-01、02、03、05。
+ * TM-04（擂台赛过期由 AI 选赢家）待大模型装配；TM-06、F0-06 在 W4。
  */
 import { runScenario } from './_lib.mjs'
 
-await runScenario('tm', async ({ check, call, createOwner, createGuild, createAgent, publish }) => {
+await runScenario('tm', async ({ db, check, call, createOwner, createGuild, createAgent, publish, waitForTask, wallet, submit, claim }) => {
   const alice = await createOwner('alice')
-  const guild = await createGuild('main', alice.user_id)
-  const publisher = await createAgent('publisher', alice, guild)
+  const bob = await createOwner('bob')
+  // fast：检查点间隔 4 秒、验收窗口 6 秒；slow：默认规则，只用短截止。
+  const fast = await createGuild('fast', alice.user_id, { checkpoint_interval_sec: 4, piece_review_window_sec: 6 })
+  const slow = await createGuild('slow', alice.user_id)
+  const fastPublisher = await createAgent('fast-publisher', alice, fast)
+  const slowPublisher = await createAgent('slow-publisher', alice, slow)
+  const fastTaker = await createAgent('fast-taker', bob, fast)
+  const slowTaker = await createAgent('slow-taker', bob, slow)
+  const eventsOf = async (agent) => (await call('GET', '/v1/events?since=0', { token: agent.key })).json.data.events
 
-  const published = await publish(publisher, { reward: 40, deadline: new Date(Date.now() + 4000).toISOString() })
-  check('发布 4 秒后截止的任务', published.status === 200 && published.json.data.status === 'open', published)
-  let task = published.json.data
-  for (let i = 0; i < 30 && task.status === 'open'; i += 1) {
-    await new Promise((resolve) => setTimeout(resolve, 1000))
-    task = (await call('GET', `/v1/tasks/${task.id}`, { token: publisher.key })).json.data
-  }
-  const wallet = (await call('GET', '/v1/wallet', { token: publisher.key })).json.data
-  check('TM-05 open 过截止 → worker 取消并全额退款', task.status === 'cancelled' && wallet.available === 100 && wallet.held === 0, { task, wallet })
+  // TM-05 open 过截止无人接 → cancelled 退款。
+  const expiring = (await publish(slowPublisher, { reward: 40, deadline: new Date(Date.now() + 4000).toISOString() })).json.data
+  const expired = await waitForTask(slowPublisher, expiring.id, (task) => task.status !== 'open')
+  check('TM-05 open 过截止 → worker 取消并全额退款', expired.status === 'cancelled' && JSON.stringify(await wallet(slowPublisher)) === JSON.stringify({ available: 100, held: 0 }), { expired, wallet: await wallet(slowPublisher) })
+
+  // TM-01 截止未提交 → 释放回 open、发 task.released，截止按原工期顺延。
+  const late = (await publish(slowPublisher, { reward: 20, deadline: new Date(Date.now() + 6000).toISOString() })).json.data
+  await claim(slowTaker, late.id)
+  const reopened = await waitForTask(slowPublisher, late.id, (task) => task.status === 'open')
+  const lateHold = await db('vk_task_holds').where({ task_id: late.id }).first()
+  check('TM-01 截止未提交 → open、hold 记 timeout、发 task.released', reopened.status === 'open' && reopened.holder_agent_id === null && lateHold.end_reason === 'timeout' && (await eventsOf(slowTaker)).some((e) => e.type === 'task.released' && e.task_id === late.id), { reopened, lateHold })
+  check('TM-01 截止顺延，任务可以重新被接', new Date(reopened.deadline) > new Date(late.deadline) && (await claim(slowTaker, late.id)).status === 200, { old: late.deadline, next: reopened.deadline })
+
+  // TM-02 缺 1 个检查点只告警，连续缺 2 个自动释放。
+  const idle = (await publish(fastPublisher, { reward: 20 })).json.data
+  const idleClaim = (await claim(fastTaker, idle.id)).json.data
+  const warned = await waitForTask(fastPublisher, idle.id, (task) => task.next_checkpoint_due !== idleClaim.next_checkpoint_due || task.status !== 'claimed')
+  check('TM-02 缺 1 个检查点 → 仍为 claimed，到期时间顺延，并发过 task.checkpoint_due', warned.status === 'claimed' && new Date(warned.next_checkpoint_due) > new Date(idleClaim.next_checkpoint_due) && (await eventsOf(fastTaker)).some((e) => e.type === 'task.checkpoint_due' && e.task_id === idle.id), warned)
+  const dropped = await waitForTask(fastPublisher, idle.id, (task) => task.status === 'open')
+  const idleHold = await db('vk_task_holds').where({ task_id: idle.id }).first()
+  check('TM-02 连续缺 2 个检查点 → 自动释放回 open', dropped.status === 'open' && idleHold.end_reason === 'timeout' && idleHold.has_valid_checkpoint === 0, { dropped, idleHold })
+
+  // TM-03 计件活验收窗口到期 → 自动结算，发 task.auto_accepted。
+  const silent = (await publish(fastPublisher, { reward: 30 })).json.data
+  await claim(fastTaker, silent.id)
+  await submit(fastTaker, silent.id)
+  const auto = await waitForTask(fastPublisher, silent.id, (task) => task.status === 'settled')
+  const takerEvents = await eventsOf(fastTaker)
+  check('TM-03 验收窗口到期 → 自动结算，接单方 +30，双方收到 task.auto_accepted 与到期提醒', auto.status === 'settled' && (await wallet(fastTaker)).available === 130 && takerEvents.some((e) => e.type === 'task.auto_accepted' && e.task_id === silent.id) && (await eventsOf(fastPublisher)).some((e) => e.type === 'task.review_due' && e.task_id === silent.id), { auto, wallet: await wallet(fastTaker) })
 })
diff --git a/apps/voko-web/src/api.js b/apps/voko-web/src/api.js
index f3ad731..babe169 100644
--- a/apps/voko-web/src/api.js
+++ b/apps/voko-web/src/api.js
@@ -31,6 +31,11 @@ export async function api(method, path, body, idempotencyKey) {
     },
     body: body === undefined ? undefined : JSON.stringify(body),
   })
+  // 登录已过期：清掉 token 回登录页，登录后回到当前页（否则页面只会空白）。
+  if (response.status === 401 && token !== null) {
+    setToken(null)
+    location.assign(`/login?next=${encodeURIComponent(location.pathname)}`)
+  }
   const json = await response.json()
   if (!response.ok) throw new Error(json.error.message)
   return json
diff --git a/apps/voko-web/src/i18n/messages.js b/apps/voko-web/src/i18n/messages.js
index ad81aec..8551934 100644
--- a/apps/voko-web/src/i18n/messages.js
+++ b/apps/voko-web/src/i18n/messages.js
@@ -42,6 +42,7 @@ export const messages = {
       guild: 'Guild',
       pickGuild: 'Choose a guild',
       submit: 'Claim agent',
+      asCompany: 'Claim as the guild\'s company agent (guild lead only)',
       done: 'Claimed. {name} is now active and received 100 starter points.',
       toAgents: 'Go to my agents',
     },
@@ -51,6 +52,7 @@ export const messages = {
       level: 'Level {level}',
       wallet: 'Available {available} · Held {held}',
       board: 'Guild board',
+      approvals: 'Tasks waiting for my approval',
       resetKey: 'Reset API key',
       newKey: 'New API key (shown once, give it to your agent):',
       suspend: 'Suspend',
@@ -60,6 +62,13 @@ export const messages = {
       saved: 'Saved.',
       status: { pending_claim: 'Pending claim', active: 'Active', suspended: 'Suspended' },
     },
+    approvals: {
+      title: 'Tasks waiting for approval',
+      intro: 'Tasks published by your guild\'s company agent. Approving puts the task on the board; rejecting refunds the escrow.',
+      empty: 'Nothing is waiting for your approval.',
+      approve: 'Approve',
+      reject: 'Reject and refund',
+    },
     board: {
       title: 'Guild board',
       back: 'Back to my agents',
@@ -124,6 +133,7 @@ export const messages = {
       guild: '公会',
       pickGuild: '选择公会',
       submit: '认领',
+      asCompany: '认领为公会的公司 Agent（仅公会负责人）',
       done: '认领成功。{name} 已激活，并收到 100 启动积分。',
       toAgents: '去我的 Agent',
     },
@@ -133,6 +143,7 @@ export const messages = {
       level: '等级 {level}',
       wallet: '可用 {available} · 托管中 {held}',
       board: '公会看板',
+      approvals: '待我审核的任务',
       resetKey: '重置 API key',
       newKey: '新的 API key（只显示一次，请交给你的 Agent）：',
       suspend: '停用',
@@ -142,6 +153,13 @@ export const messages = {
       saved: '已保存。',
       status: { pending_claim: '待认领', active: '运行中', suspended: '已停用' },
     },
+    approvals: {
+      title: '待审核任务',
+      intro: '你负责的公会里由公司 Agent 发布的任务。通过后上板，驳回则退回托管积分。',
+      empty: '没有等待你审核的任务。',
+      approve: '通过',
+      reject: '驳回并退款',
+    },
     board: {
       title: '公会看板',
       back: '返回我的 Agent',
diff --git a/apps/voko-web/src/main.js b/apps/voko-web/src/main.js
index 78350df..01be2f5 100644
--- a/apps/voko-web/src/main.js
+++ b/apps/voko-web/src/main.js
@@ -7,6 +7,7 @@ import App from './App.vue'
 import { messages } from './i18n/messages.js'
 import AdminPage from './pages/AdminPage.vue'
 import AgentsPage from './pages/AgentsPage.vue'
+import ApprovalsPage from './pages/ApprovalsPage.vue'
 import BoardPage from './pages/BoardPage.vue'
 import ClaimPage from './pages/ClaimPage.vue'
 import HomePage from './pages/HomePage.vue'
@@ -20,6 +21,7 @@ const router = createRouter({
     { path: '/admin', component: AdminPage },
     { path: '/claim/:token', component: ClaimPage },
     { path: '/agents', component: AgentsPage },
+    { path: '/approvals', component: ApprovalsPage },
     { path: '/agents/:id/board', component: BoardPage },
   ],
 })
diff --git a/apps/voko-web/src/pages/AgentsPage.vue b/apps/voko-web/src/pages/AgentsPage.vue
index 9fea5f0..5b35aa1 100644
--- a/apps/voko-web/src/pages/AgentsPage.vue
+++ b/apps/voko-web/src/pages/AgentsPage.vue
@@ -66,6 +66,7 @@ onMounted(async () => {
 
 <template>
   <h1>{{ t('agents.title') }}</h1>
+  <p><router-link to="/approvals">{{ t('agents.approvals') }}</router-link></p>
   <template v-if="agents">
     <p v-if="agents.length === 0">{{ t('agents.empty') }}</p>
     <Card v-for="agent in agents" :key="agent.id" class="voko-agent">
diff --git a/apps/voko-web/src/pages/ApprovalsPage.vue b/apps/voko-web/src/pages/ApprovalsPage.vue
new file mode 100644
index 0000000..8db61b2
--- /dev/null
+++ b/apps/voko-web/src/pages/ApprovalsPage.vue
@@ -0,0 +1,70 @@
+<script setup>
+import { onMounted, ref } from 'vue'
+import { useI18n } from 'vue-i18n'
+import { useRouter } from 'vue-router'
+import { Button, Card } from '@drama/ui'
+
+import { api, getToken } from '../api.js'
+
+const { t } = useI18n()
+const router = useRouter()
+const tasks = ref(null)
+const error = ref('')
+
+async function load() {
+  tasks.value = (await api('GET', '/api/voko/approvals')).tasks
+}
+
+/**
+ * @param {string} id
+ * @param {'approve'|'reject'} decision
+ */
+async function decide(id, decision) {
+  error.value = ''
+  try {
+    await api('POST', `/api/voko/approvals/${id}`, { decision })
+    await load()
+  } catch (err) {
+    error.value = err instanceof Error ? err.message : String(err)
+  }
+}
+
+onMounted(async () => {
+  if (getToken() === null) {
+    await router.push({ path: '/login', query: { next: '/approvals' } })
+    return
+  }
+  await load()
+})
+</script>
+
+<template>
+  <h1>{{ t('approvals.title') }}</h1>
+  <p>{{ t('approvals.intro') }}</p>
+  <p v-if="error" role="alert">{{ error }}</p>
+  <template v-if="tasks">
+    <p v-if="tasks.length === 0">{{ t('approvals.empty') }}</p>
+    <Card v-for="task in tasks" :key="task.id" class="voko-approval">
+      <h2>{{ task.title }}</h2>
+      <p>{{ t(`board.templates.${task.template}`) }} · {{ t('board.reward', { reward: task.reward }) }} · {{ t('board.deadline', { deadline: new Date(task.deadline).toLocaleString() }) }}</p>
+      <p class="voko-spec">{{ task.spec }}</p>
+      <div class="voko-actions">
+        <Button @click="decide(task.id, 'approve')">{{ t('approvals.approve') }}</Button>
+        <Button variant="ghost" @click="decide(task.id, 'reject')">{{ t('approvals.reject') }}</Button>
+      </div>
+    </Card>
+  </template>
+</template>
+
+<style scoped>
+.voko-approval {
+  margin-bottom: var(--drama-space-md);
+}
+.voko-spec {
+  white-space: pre-wrap;
+}
+.voko-actions {
+  display: flex;
+  gap: var(--drama-space-sm);
+}
+</style>
diff --git a/apps/voko-web/src/pages/ClaimPage.vue b/apps/voko-web/src/pages/ClaimPage.vue
index 3c34e5d..549daed 100644
--- a/apps/voko-web/src/pages/ClaimPage.vue
+++ b/apps/voko-web/src/pages/ClaimPage.vue
@@ -12,13 +12,14 @@ const router = useRouter()
 const guilds = ref([])
 const guildId = ref('')
 const code = ref('')
+const asCompany = ref(false)
 const error = ref('')
 const claimed = ref(null)
 
 async function claim() {
   error.value = ''
   try {
-    claimed.value = (await api('POST', `/api/voko/claims/${route.params.token}`, { verification_code: code.value.trim(), guild_id: guildId.value })).agent
+    claimed.value = (await api('POST', `/api/voko/claims/${route.params.token}`, { verification_code: code.value.trim(), guild_id: guildId.value, role: asCompany.value ? 'company' : 'member' })).agent
   } catch (err) {
     error.value = err instanceof Error ? err.message : String(err)
   }
@@ -47,8 +48,16 @@ onMounted(async () => {
         <span>{{ t('claim.guild') }}</span>
         <Select v-model="guildId" :options="guilds" :placeholder="t('claim.pickGuild')" :aria-label="t('claim.guild')" block />
       </div>
+      <label class="voko-check"><input v-model="asCompany" type="checkbox"> {{ t('claim.asCompany') }}</label>
       <p v-if="error" role="alert">{{ error }}</p>
       <Button :disabled="code.trim() === '' || guildId === ''" @click="claim">{{ t('claim.submit') }}</Button>
     </template>
   </Card>
 </template>
+
+<style scoped>
+.voko-check {
+  display: block;
+  margin-bottom: var(--drama-space-md);
+}
+</style>
diff --git a/docs/runbooks/verify-alpha.md b/docs/runbooks/verify-alpha.md
index e44db4a..4193a3a 100644
--- a/docs/runbooks/verify-alpha.md
+++ b/docs/runbooks/verify-alpha.md
@@ -4,7 +4,7 @@
 
 ## 前提
 
-- 本地库已 `pnpm --filter @voko/server db:migrate` 到最新；voko-server 已启动；跑 `timers` 时 voko-worker 也要在跑（`pnpm --filter @voko/server worker`）。
+- 本地库已 `pnpm --filter @voko/server db:migrate` 到最新；voko-server 已启动；跑 `f3`、`timers` 时 voko-worker 也要在跑（`pnpm --filter @voko/server worker`）。
 - `apps/voko-server/.env` 配置了真实 SMTP；`VOKO_TEST_EMAIL` 是能收信的邮箱；有一个管理员账号（本地 `pnpm dev:user admin@example.test admin123`）。
 - 每个脚本会给测试邮箱的 plus 地址发若干封验证码与审核通过邮件。
 
@@ -13,10 +13,11 @@
 ```bash
 export VOKO_TEST_EMAIL=you@gmail.com VOKO_ADMIN_EMAIL=admin@example.test VOKO_ADMIN_PASSWORD=admin123
 pnpm --filter @voko/server verify:f0            # F0-01–05 入驻，见 verify-f0.md
-pnpm --filter @voko/server verify:f1            # F1-01、02、03、05–08 发布、修改、撤回、评论
-pnpm --filter @voko/server verify:f2            # F2-01、F2-02 认领规则与擂台赛报名
+pnpm --filter @voko/server verify:f1            # F1-01–08 发布、修改、撤回、评论、发布前审核
+pnpm --filter @voko/server verify:f2            # F2-01、02、03、05、06、07 认领、检查点、接力、转让、提交
+pnpm --filter @voko/server verify:f3            # F3-01–05 验收、结算、接力平分、仲裁、擂台赛选赢家（需 worker）
 pnpm --filter @voko/server verify:concurrency   # CC-01 并发认领、CC-02 发布幂等
-pnpm --filter @voko/server verify:timers        # TM-05 过期退款（需 worker）
+pnpm --filter @voko/server verify:timers        # TM-01、02、03、05 超时释放、缺检查点、自动确认、过期退款（需 worker，约 1 分钟）
 pnpm --filter @voko/server verify:conservation  # 只跑对账
 ```
 
@@ -30,8 +31,10 @@ pnpm --filter @voko/server verify:conservation  # 只跑对账
 
 ## 网页端
 
-认领页 `/claim/:token`、我的 Agent `/agents`、公会看板 `/agents/:id/board` 没有自动化脚本：`pnpm dev` 后用本地管理员登录，按「认领 → 设单日上限 → 重置 key → 超上限发布被拒 → 发布成功」手工走一遍。
+认领页 `/claim/:token`、我的 Agent `/agents`、公会看板 `/agents/:id/board`、待审核 `/approvals` 没有自动化脚本：`pnpm dev` 后用本地管理员登录，按「认领 → 设单日上限 → 重置 key → 超上限发布被拒 → 发布成功」手工走一遍。
 
 ## 尚未覆盖
 
-F1-04（发布前审核）、F2-03–07、F3、TM-01–04 在 W3；F0-06、TM-06、CC-03、WH、E2E 在 W4。CC-01 用 6 个 Agent 发 20 个并发请求（每个主人最多认领 3 个 Agent）。
+- 依赖大模型、待装配后接入：TM-04（擂台赛过期由 AI 选赢家）、F3-04 的「AI 建议写入」。在此之前 worker 对这两类 job 明确报错并重试到 failed，擂台赛可由发布方手动选赢家，争议由运营在 `/api/voko/admin/disputes` 手工裁决。
+- W4：F2-04 求助、F3-06 打赏、F0-06、TM-06、CC-03、WH、E2E。
+- CC-01 用 6 个 Agent 发 20 个并发请求（每个主人最多认领 3 个 Agent）。
diff --git a/packages/voko-access/src/agent-access.js b/packages/voko-access/src/agent-access.js
index 62a9641..d8133ac 100644
--- a/packages/voko-access/src/agent-access.js
+++ b/packages/voko-access/src/agent-access.js
@@ -67,10 +67,10 @@ export function createAgentAccess({ db, agents, grantStarter, public_url }) {
    * 主人认领 Agent：核对验证码 → 计数 +1（≤3）→ Agent 激活并加入公会 → 发启动积分，全部在一个事务里。
    * 同一主人重放已成功的认领返回同一结果，不重复计数与发放。
    * @param {object} ctx
-   * @param {{ claim_token: string, user_id: string, verification_code: string, guild_id: string }} input
+   * @param {{ claim_token: string, user_id: string, verification_code: string, guild_id: string, role: 'company'|'member' }} input 公司 Agent 只能由公会负责人认领，每个公会一个
    * @returns {Promise<{ ok: true, agent: import('@voko/exchange').Agent } | { ok: false, code: 'NOT_FOUND'|'FORBIDDEN'|'CONFLICT'|'CODE_INVALID', message: string }>}
    */
-  async function claim(ctx, { claim_token, user_id, verification_code, guild_id }) {
+  async function claim(ctx, { claim_token, user_id, verification_code, guild_id, role }) {
     const now = new Date()
     return db.transaction(async (trx) => {
       const claimRow = await trx('vk_agent_claims').where({ claim_token_hash: sha256(claim_token) }).forUpdate().first()
@@ -94,12 +94,24 @@ export function createAgentAccess({ db, agents, grantStarter, public_url }) {
           throw new Error(`Unhandled status: ${request.status}, id: ${request.id}`)
       }
       if (claimRow.verification_code !== verification_code) return refuse('CODE_INVALID', 'Verification code does not match')
-      if ((await trx('vk_guilds').where({ id: guild_id }).first('id')) === undefined) return refuse('NOT_FOUND', `Guild not found: ${guild_id}`)
+      const guild = await trx('vk_guilds').where({ id: guild_id }).forUpdate().first('lead_user_id', 'company_agent_id')
+      if (guild === undefined) return refuse('NOT_FOUND', `Guild not found: ${guild_id}`)
+      switch (role) {
+        case 'company':
+          if (guild.lead_user_id !== user_id) return refuse('FORBIDDEN', 'Only the guild lead can claim the company agent')
+          if (guild.company_agent_id !== null) return refuse('CONFLICT', 'This guild already has a company agent')
+          await trx('vk_guilds').where({ id: guild_id }).update({ company_agent_id: claimRow.agent_id, updated_at: now })
+          break
+        case 'member':
+          break
+        default:
+          throw new Error(`Unhandled role: ${role}, id: ${claimRow.agent_id}`)
+      }
       if (request.claimed_agent_count >= MAX_AGENTS_PER_OWNER) return refuse('CONFLICT', `You can claim at most ${MAX_AGENTS_PER_OWNER} agents`)
 
       await trx('vk_access_requests').where({ id: request.id }).increment('claimed_agent_count', 1)
       await trx('vk_agent_claims').where({ id: claimRow.id }).update({ claimed_by_user_id: user_id, claimed_at: now })
-      await agents.activate(ctx, trx, { agent_id: claimRow.agent_id, owner_user_id: user_id, guild_id, claimed_at: now })
+      await agents.activate(ctx, trx, { agent_id: claimRow.agent_id, owner_user_id: user_id, guild_id, role, claimed_at: now })
       await trx('vk_guild_members').insert({ id: `gm_${randomUUID()}`, guild_id, user_id, role: 'member', created_at: now }).onConflict(['guild_id', 'user_id']).ignore()
       const agent = await agents.getById(ctx, trx, { agent_id: claimRow.agent_id })
       await grantStarter(ctx, trx, { agent_id: agent.id, wallet_user_id: agent.wallet_user_id })
diff --git a/packages/voko-clearing/src/escrow.js b/packages/voko-clearing/src/escrow.js
index 10e1b47..b940e2b 100644
--- a/packages/voko-clearing/src/escrow.js
+++ b/packages/voko-clearing/src/escrow.js
@@ -5,9 +5,10 @@ const ESCROWS = 'vk_escrows'
 const PAYOUTS = 'vk_escrow_payouts'
 const SOURCE = 'voko'
 const REF_TYPE = 'vk_task'
+const PAYOUT_REASON = Object.freeze({ winner: 'vk_task_payout', relay_share: 'vk_relay_share' })
 
 /**
- * 托管：发布时从发布方钱包扣款并记 held，退回时原路发还。
+ * 托管：发布时从发布方钱包扣款并记 held，结算时发给接单方，退回时原路发还。
  * 所有方法都在调用方的事务（`trx`）里动账，业务表与账本一起提交或回滚；幂等键由任务唯一决定。
  * 余额不足时账本抛 `BillingError(INSUFFICIENT_BALANCE)`，整个事务回滚。
  *
@@ -74,6 +75,35 @@ export function createEscrow({ db }) {
   }
 
   /**
+   * 结算：按给定的发放明细把托管发给接单方（含接力分成），escrow → released。
+   * 各笔之和必须等于托管金额，否则 throw（宁可 500，不写脏账）。
+   * @param {object} _ctx
+   * @param {import('knex').Knex} trx
+   * @param {{ task_id: string, payouts: Array<{ wallet_user_id: string, amount: number, kind: 'winner'|'relay_share' }> }} input
+   */
+  async function settle(_ctx, trx, { task_id, payouts }) {
+    const escrow = await heldEscrow(trx, task_id)
+    const total = payouts.reduce((sum, payout) => sum + payout.amount, 0)
+    if (total !== escrow.amount) throw new Error(`vk_escrows settle payouts ${total} do not equal escrow amount ${escrow.amount}, id: ${escrow.id}`)
+    const now = new Date()
+    // 固定按钱包 id 排序动账，避免两笔结算互相等待对方的钱包行。
+    for (const payout of [...payouts].sort((a, b) => (a.wallet_user_id < b.wallet_user_id ? -1 : 1))) {
+      const granted = await ledgerIn(trx).grant({
+        user_id: payout.wallet_user_id,
+        amount: payout.amount,
+        source: SOURCE,
+        credit_kind: 'earned',
+        reason: PAYOUT_REASON[payout.kind],
+        ref_type: REF_TYPE,
+        ref_id: task_id,
+        idempotency_key: `vk:payout:${task_id}:${payout.wallet_user_id}:${payout.kind}`,
+      })
+      await trx(PAYOUTS).insert({ id: `ep_${randomUUID()}`, escrow_id: escrow.id, task_id, recipient_wallet: payout.wallet_user_id, amount: payout.amount, kind: payout.kind, ledger_id: granted.ledger_id, created_at: now })
+    }
+    await trx(ESCROWS).where({ id: escrow.id }).update({ status: 'released', closed_at: now })
+  }
+
+  /**
    * 钱包视图：可用 = 账本余额；冻结 = 该钱包名下 held 托管之和。
    * @param {object} _ctx
    * @param {{ wallet_user_id: string }} input
@@ -100,7 +130,7 @@ export function createEscrow({ db }) {
     return -Number(row.spent)
   }
 
-  return { hold, topupExists, topup, refund, walletOf, spentToday }
+  return { hold, topupExists, topup, refund, settle, walletOf, spentToday }
 }
 
 /**
diff --git a/packages/voko-clearing/src/index.js b/packages/voko-clearing/src/index.js
index 2780ae3..2a33729 100644
--- a/packages/voko-clearing/src/index.js
+++ b/packages/voko-clearing/src/index.js
@@ -1,7 +1,7 @@
 /**
  * `@voko/clearing` —— VOKO 的积分清算：托管与发放明细；动账一律经 `@drama/billing` 的账本。
  *
- * 当前有托管的冻结、补扣与退回；结算（含接力分配）、打赏与对账在 W4 加入。
+ * 当前有托管的冻结、补扣、结算与退回；打赏在 W4 加入。
  *
  * 边界：不读 `process.env`、不建连接；db 由 composition root 注入。
  */
diff --git a/packages/voko-exchange/src/agents.js b/packages/voko-exchange/src/agents.js
index e6f2c7a..9ddf520 100644
--- a/packages/voko-exchange/src/agents.js
+++ b/packages/voko-exchange/src/agents.js
@@ -110,10 +110,10 @@ export function createAgents() {
    * 认领：pending_claim → active。行不在 pending_claim 即 throw（调用方已锁认领凭证，不应发生）。
    * @param {object} _ctx
    * @param {import('knex').Knex} runner
-   * @param {{ agent_id: string, owner_user_id: string, guild_id: string, claimed_at: Date }} input
+   * @param {{ agent_id: string, owner_user_id: string, guild_id: string, role: 'company'|'member', claimed_at: Date }} input
    */
-  async function activate(_ctx, runner, { agent_id, owner_user_id, guild_id, claimed_at }) {
-    const updated = await runner(TABLE).where({ id: agent_id, status: 'pending_claim' }).update({ status: 'active', owner_user_id, guild_id, claimed_at, updated_at: claimed_at })
+  async function activate(_ctx, runner, { agent_id, owner_user_id, guild_id, role, claimed_at }) {
+    const updated = await runner(TABLE).where({ id: agent_id, status: 'pending_claim' }).update({ status: 'active', role, owner_user_id, guild_id, claimed_at, updated_at: claimed_at })
     if (updated !== 1) throw new Error(`vk_agents activate expected pending_claim row, id: ${agent_id}`)
   }
 
diff --git a/packages/voko-exchange/src/guilds.js b/packages/voko-exchange/src/guilds.js
index 8cf702b..93c2152 100644
--- a/packages/voko-exchange/src/guilds.js
+++ b/packages/voko-exchange/src/guilds.js
@@ -15,11 +15,11 @@ export function createGuilds({ db }) {
   /**
    * 建公会并把负责人登记为成员。slug 已被占用返回 CONFLICT（由 UNIQUE 约束裁决）。
    * @param {object} _ctx
-   * @param {{ name: string, slug: string, lead_user_id: string, require_lead_approval: boolean }} input
+   * @param {{ name: string, slug: string, lead_user_id: string, require_lead_approval: boolean, checkpoint_interval_sec?: number, piece_review_window_sec?: number, contest_review_window_sec?: number, transfer_ttl_sec?: number }} input 四个时间规则不传时用列默认值（6h / 24h / 72h / 24h）
    * @returns {Promise<{ ok: true, guild: Guild } | { ok: false, code: 'CONFLICT' }>}
    */
-  async function create(_ctx, { name, slug, lead_user_id, require_lead_approval }) {
-    const guild = { id: `g_${randomUUID()}`, name, slug, lead_user_id, require_lead_approval, created_at: new Date() }
+  async function create(_ctx, { name, slug, lead_user_id, require_lead_approval, ...windows }) {
+    const guild = { id: `g_${randomUUID()}`, name, slug, lead_user_id, require_lead_approval, ...windows, created_at: new Date() }
     return db.transaction(async (trx) => {
       // slug 冲突由 UNIQUE 裁决：被忽略的插入读不回本次 id。
       await trx(TABLE).insert(guild).onConflict('slug').ignore()
diff --git a/packages/voko-exchange/src/jobs.js b/packages/voko-exchange/src/jobs.js
index 08fef61..9200783 100644
--- a/packages/voko-exchange/src/jobs.js
+++ b/packages/voko-exchange/src/jobs.js
@@ -17,6 +17,7 @@ const WARN_KINDS = Object.freeze(['checkpoint_warn', 'review_warn'])
  *   tasks: {
  *     actAsWorker(ctx: object, input: { task_id: string, action: any }): Promise<{ ok: boolean }>,
  *     warn(ctx: object, input: { task_id: string, kind: any }): Promise<void>,
+ *     expireTransfers(ctx: object, input: { task_id: string }): Promise<void>,
  *   },
  *   logger: { error(message: string, fields: object): void },
  * }} deps
@@ -68,13 +69,19 @@ export function createJobs({ db, tasks, logger }) {
    * @param {{ id: string, kind: string, ref_id: string|null }} job
    */
   async function execute(ctx, job) {
-    if (TASK_ACTION_KINDS.includes(job.kind) || WARN_KINDS.includes(job.kind)) {
-      if (job.ref_id === null) throw new Error(`vk_jobs.ref_id missing for ${job.kind}, id: ${job.id}`)
-      if (WARN_KINDS.includes(job.kind)) await tasks.warn(ctx, { task_id: job.ref_id, kind: job.kind })
-      else await tasks.actAsWorker(ctx, { task_id: job.ref_id, action: { type: job.kind } })
-      return
+    if (job.ref_id === null) throw new Error(`vk_jobs.ref_id missing for ${job.kind}, id: ${job.id}`)
+    const task_id = job.ref_id
+    if (TASK_ACTION_KINDS.includes(job.kind)) return void await tasks.actAsWorker(ctx, { task_id, action: { type: job.kind } })
+    if (WARN_KINDS.includes(job.kind)) return tasks.warn(ctx, { task_id, kind: job.kind })
+    if (job.kind === 'transfer_expire') return tasks.expireTransfers(ctx, { task_id })
+    if (job.kind === 'review_auto_accept') {
+      const row = await db('vk_tasks').where({ id: task_id }).first('template', 'status')
+      if (row === undefined) throw new Error(`vk_tasks row missing for review_auto_accept, id: ${task_id}`)
+      // 擂台赛到期要由大模型按清单选赢家；大模型尚未装配，这里明确失败，不替它做决定（发布方仍可手动选赢家）。
+      if (row.template === 'contest' && row.status === 'reviewing') throw new Error(`review_auto_accept for a contest needs the LLM judge, which is not assembled yet, id: ${task_id}`)
+      return void await tasks.actAsWorker(ctx, { task_id, action: { type: 'review_auto_accept', winner_agent_id: null } })
     }
-    // 其余类型（自动确认、仲裁、Webhook、日报、对账）在 W3–W4 接入。
+    // 其余类型（仲裁意见、Webhook、日报、对账）在大模型装配后与 W4 接入。
     throw new Error(`Unhandled job kind: ${job.kind}, id: ${job.id}`)
   }
 
diff --git a/packages/voko-exchange/src/review.js b/packages/voko-exchange/src/review.js
new file mode 100644
index 0000000..fb251ec
--- /dev/null
+++ b/packages/voko-exchange/src/review.js
@@ -0,0 +1,25 @@
+/**
+ * 验收格式校验（平台只校验格式，判断由发布方做）：checks 必须恰好覆盖全部清单项；
+ * 任一条不通过时动作必须是 reject，全部通过时必须是 accept / select_winner。
+ *
+ * @param {{ action: 'accept'|'reject'|'select_winner', checks: Array<{ id: string, pass: boolean, reason: string }>, item_keys: string[] }} input
+ * @returns {string|null} 违反规则时返回给调用方的提示；合规返回 null
+ */
+export function reviewViolation({ action, checks, item_keys }) {
+  const seen = new Set(checks.map((check) => check.id))
+  if (seen.size !== checks.length) return 'checks contains the same acceptance item more than once.'
+  const missing = item_keys.filter((key) => !seen.has(key))
+  if (missing.length > 0) return `checks must cover every acceptance item; missing: ${missing.join(', ')}.`
+  const unknown = checks.filter((check) => !item_keys.includes(check.id)).map((check) => check.id)
+  if (unknown.length > 0) return `checks contains unknown acceptance items: ${unknown.join(', ')}.`
+  const allPass = checks.every((check) => check.pass)
+  switch (action) {
+    case 'accept':
+    case 'select_winner':
+      return allPass ? null : `${action} requires every acceptance item to pass; reject instead.`
+    case 'reject':
+      return allPass ? 'reject requires at least one failed acceptance item; accept instead.' : null
+    default:
+      throw new Error(`Unhandled review action: ${action}`)
+  }
+}
diff --git a/packages/voko-exchange/src/split-relay.js b/packages/voko-exchange/src/split-relay.js
new file mode 100644
index 0000000..ff79f05
--- /dev/null
+++ b/packages/voko-exchange/src/split-relay.js
@@ -0,0 +1,37 @@
+/**
+ * 接力分配（2026-10-09 定：平分）。参与分配的人 = 最终提交者 + 所有留下过有效检查点后离开的前任
+ * （has_valid_checkpoint 且 end_reason ∈ timeout / released / transferred）；同一 Agent 多次持有只算一份。
+ * 赏金按人数平分，除不尽的余数归最终提交者。各笔之和必须等于 reward。
+ *
+ * @param {number} reward 正整数
+ * @param {Array<{ agent_id: string, end_reason: 'submitted'|'released'|'timeout'|'transferred'|null, has_valid_checkpoint: boolean }>} holds 该任务的全部持有记录
+ * @param {string} final_agent_id 最终提交者
+ * @returns {Array<{ agent_id: string, amount: number, kind: 'winner'|'relay_share' }>} 最终提交者排第一
+ */
+export function splitRelayPayout(reward, holds, final_agent_id) {
+  if (!Number.isSafeInteger(reward) || reward < 1) throw new Error(`splitRelayPayout: reward invalid: ${reward}`)
+  const relays = new Set()
+  for (const hold of holds) {
+    switch (hold.end_reason) {
+      case 'released':
+      case 'timeout':
+      case 'transferred':
+        if (hold.has_valid_checkpoint && hold.agent_id !== final_agent_id) relays.add(hold.agent_id)
+        break
+      case 'submitted':
+      case null:
+        break
+      default:
+        throw new Error(`Unhandled end_reason: ${hold.end_reason}, agent: ${hold.agent_id}`)
+    }
+  }
+  const share = Math.floor(reward / (relays.size + 1))
+  // 人数多于积分时前任分不到整数份：全部归最终提交者（发放明细金额必须 > 0）。
+  const paidRelays = share === 0 ? [] : [...relays]
+  const payouts = [
+    { agent_id: final_agent_id, amount: reward - share * paidRelays.length, kind: /** @type {const} */ ('winner') },
+    ...paidRelays.map((agent_id) => ({ agent_id, amount: share, kind: /** @type {const} */ ('relay_share') })),
+  ]
+  if (payouts.reduce((sum, payout) => sum + payout.amount, 0) !== reward) throw new Error(`splitRelayPayout: payouts do not sum to reward ${reward}`)
+  return payouts
+}
diff --git a/packages/voko-exchange/src/tasks.js b/packages/voko-exchange/src/tasks.js
index 1dd5785..3b4e799 100644
--- a/packages/voko-exchange/src/tasks.js
+++ b/packages/voko-exchange/src/tasks.js
@@ -1,6 +1,8 @@
 import { randomUUID } from 'node:crypto'
 
 import { maxRarityForLevel, rarityForReward } from './rarity.js'
+import { reviewViolation } from './review.js'
+import { splitRelayPayout } from './split-relay.js'
 import { taskFromRow } from './task.js'
 import { publishStatus, transition } from './transition.js'
 
@@ -9,6 +11,11 @@ const ITEMS = 'vk_task_acceptance_items'
 const HOLDS = 'vk_task_holds'
 const ENTRIES = 'vk_task_entries'
 const COMMENTS = 'vk_comments'
+const CHECKPOINTS = 'vk_checkpoints'
+const SUBMISSIONS = 'vk_submissions'
+const REVIEWS = 'vk_reviews'
+const DISPUTES = 'vk_disputes'
+const TRANSFERS = 'vk_transfers'
 const EVENTS = 'vk_events'
 const JOBS = 'vk_jobs'
 
@@ -30,6 +37,7 @@ const JOBS = 'vk_jobs'
  *     topupExists(ctx: object, trx: import('knex').Knex, input: { task_id: string, idempotency_key: string }): Promise<boolean>,
  *     topup(ctx: object, trx: import('knex').Knex, input: { task_id: string, amount: number, idempotency_key: string }): Promise<void>,
  *     refund(ctx: object, trx: import('knex').Knex, input: { task_id: string }): Promise<void>,
+ *     settle(ctx: object, trx: import('knex').Knex, input: { task_id: string, payouts: Array<{ wallet_user_id: string, amount: number, kind: 'winner'|'relay_share' }> }): Promise<void>,
  *     spentToday(ctx: object, trx: import('knex').Knex, input: { wallet_user_id: string, now: Date }): Promise<number>,
  *   },
  * }} deps
@@ -83,16 +91,25 @@ export function createTasks({ db, agents, escrow }) {
 
   /**
    * Agent 对任务做一个动作。`idempotency_key` 只用于 edit 的补扣托管。
+   * `prepare` 在锁住任务后、跑状态机前执行（读其它表做校验，或据此给出动作）；`record` 在状态与副作用写完后执行（写检查点、提交、验收等记录）。
+   * @template R
    * @param {object} ctx
-   * @param {{ agent: Agent, task_id: string, action: import('./transition.js').Action, idempotency_key?: string }} input
-   * @returns {Promise<{ ok: true, task: Task } | Refusal>}
+   * @param {{
+   *   agent: Agent,
+   *   task_id: string,
+   *   action?: import('./transition.js').Action,
+   *   idempotency_key?: string,
+   *   prepare?: (trx: import('knex').Knex, task: Task, now: Date) => Promise<Refusal | { action: import('./transition.js').Action } | null>,
+   *   record?: (trx: import('knex').Knex, before: Task, after: Task, now: Date) => Promise<R>,
+   * }} input
+   * @returns {Promise<{ ok: true, task: Task, recorded: R } | Refusal>}
    */
-  async function act(ctx, { agent, task_id, action, idempotency_key }) {
+  async function act(ctx, { agent, task_id, action, idempotency_key, prepare, record }) {
     return db.transaction(async (trx) => {
       const task = await lockTask(trx, task_id)
       const hidden = task === null ? refuse('not_found', `Task not found: ${task_id}`) : hiddenFrom(agent, task)
       if (task === null || hidden !== null) return /** @type {Refusal} */ (hidden)
-      if (action.type === 'edit' && await escrow.topupExists(ctx, trx, { task_id, idempotency_key: /** @type {string} */ (idempotency_key) })) return { ok: true, task }
+      if (action !== undefined && action.type === 'edit' && await escrow.topupExists(ctx, trx, { task_id, idempotency_key: /** @type {string} */ (idempotency_key) })) return { ok: true, task, recorded: /** @type {R} */ (undefined) }
       // 锁 Agent 行：同一 Agent 并发认领不同任务时，持有数的读取与新增串行。
       await trx('vk_agents').where({ id: agent.id }).forUpdate().first('id')
       const [holds, entry] = await Promise.all([
@@ -108,7 +125,12 @@ export function createTasks({ db, agents, escrow }) {
         active_hold_count: Number(holds.n),
         is_entrant: entry !== undefined,
       }
-      return apply(ctx, trx, task, action, actor, idempotency_key)
+      const now = new Date()
+      const prepared = prepare === undefined ? null : await prepare(trx, task, now)
+      if (prepared !== null && 'ok' in prepared) return prepared
+      const chosen = prepared === null ? action : prepared.action
+      if (chosen === undefined) throw new Error(`act: no action for task ${task_id}`)
+      return apply(ctx, trx, task, chosen, actor, idempotency_key, now, record)
     })
   }
 
@@ -122,7 +144,7 @@ export function createTasks({ db, agents, escrow }) {
     return db.transaction(async (trx) => {
       const task = await lockTask(trx, task_id)
       if (task === null) return refuse('not_found', `Task not found: ${task_id}`)
-      return apply(ctx, trx, task, action, { kind: 'worker' }, undefined)
+      return apply(ctx, trx, task, action, { kind: 'worker' }, undefined, new Date(), undefined)
     })
   }
 
@@ -133,10 +155,11 @@ export function createTasks({ db, agents, escrow }) {
    * @param {import('./transition.js').Action} action
    * @param {import('./transition.js').Actor} actor
    * @param {string|undefined} idempotency_key
-   * @returns {Promise<{ ok: true, task: Task } | Refusal>}
+   * @param {Date} now
+   * @param {((trx: import('knex').Knex, before: Task, after: Task, now: Date) => Promise<any>)|undefined} record
+   * @returns {Promise<{ ok: true, task: Task, recorded: any } | Refusal>}
    */
-  async function apply(ctx, trx, task, action, actor, idempotency_key) {
-    const now = new Date()
+  async function apply(ctx, trx, task, action, actor, idempotency_key, now, record) {
     const guild = await guildRow(trx, task.guild_id)
     const publisher = await agents.getById(ctx, trx, { agent_id: task.publisher_agent_id })
     const result = transition({ task, guild, publisher_owner_user_id: /** @type {string} */ (publisher.owner_user_id) }, action, actor, now)
@@ -182,14 +205,46 @@ export function createTasks({ db, agents, escrow }) {
           await insertJob(trx, task.id, effect.kind, effect.run_at, now)
           break
         case 'escrow_settle':
+          await settle(ctx, trx, next, effect.winner_agent_id)
+          break
         case 'dispute_open':
-          // 结算（W4）与仲裁（W3）的执行尚未实现；现有接口到不了这里。
-          throw new Error(`Effect not implemented yet: ${effect.type}, id: ${task.id}`)
+          await trx(DISPUTES).insert({ id: `d_${randomUUID()}`, task_id: task.id, opened_by_agent_id: effect.opened_by_agent_id, status: 'open', created_at: now })
+          break
         default:
           throw new Error(`Unhandled effect: ${/** @type {any} */ (effect).type}, id: ${task.id}`)
       }
     }
-    return { ok: true, task: { ...next, updated_at: now } }
+    const after = { ...next, updated_at: now }
+    return { ok: true, task: after, recorded: record === undefined ? undefined : await record(trx, task, after, now) }
+  }
+
+  /**
+   * 结算：计件活按接力规则在最终提交者与留过有效检查点的前任之间平分，擂台赛赢家通吃；收款人按到手积分加 XP。
+   * @param {object} ctx
+   * @param {import('knex').Knex} trx
+   * @param {Task} task
+   * @param {string} winner_agent_id
+   */
+  async function settle(ctx, trx, task, winner_agent_id) {
+    /** @type {Array<{ agent_id: string, amount: number, kind: 'winner'|'relay_share' }>} */
+    let shares
+    switch (task.template) {
+      case 'piecework':
+        shares = splitRelayPayout(task.reward, (await trx(HOLDS).where({ task_id: task.id }).select('agent_id', 'end_reason', 'has_valid_checkpoint')).map((hold) => ({ ...hold, has_valid_checkpoint: hold.has_valid_checkpoint === 1 })), winner_agent_id)
+        break
+      case 'contest':
+        shares = [{ agent_id: winner_agent_id, amount: task.reward, kind: 'winner' }]
+        break
+      default:
+        throw new Error(`Unhandled template: ${task.template}, id: ${task.id}`)
+    }
+    const payouts = []
+    for (const share of shares) {
+      const recipient = await agents.getById(ctx, trx, { agent_id: share.agent_id })
+      payouts.push({ wallet_user_id: recipient.wallet_user_id, amount: share.amount, kind: share.kind })
+      await trx('vk_agents').where({ id: recipient.id }).increment('xp', share.amount)
+    }
+    await escrow.settle(ctx, trx, { task_id: task.id, payouts })
   }
 
   /**
@@ -220,7 +275,7 @@ export function createTasks({ db, agents, escrow }) {
   /**
    * @param {object} _ctx
    * @param {{ agent: Agent, task_id: string }} input
-   * @returns {Promise<{ ok: true, task: Task, acceptance: AcceptanceItem[], entry_count: number } | Refusal>}
+   * @returns {Promise<{ ok: true, task: Task, acceptance: AcceptanceItem[], entry_count: number, checkpoints: any[], submissions: any[] } | Refusal>}
    */
   async function get(_ctx, { agent, task_id }) {
     const row = await db(TASKS).where({ id: task_id }).first()
@@ -228,8 +283,15 @@ export function createTasks({ db, agents, escrow }) {
     const task = taskFromRow(row)
     const hidden = hiddenFrom(agent, task)
     if (hidden !== null) return hidden
-    const entries = await db(ENTRIES).where({ task_id }).count({ n: '*' }).first()
-    return { ok: true, task, acceptance: await acceptanceOf(db, task_id), entry_count: Number(entries.n) }
+    const [entries, checkpoints, submissions] = await Promise.all([
+      db(ENTRIES).where({ task_id }).count({ n: '*' }).first(),
+      db(CHECKPOINTS).where({ task_id }).orderBy('created_at', 'asc').select('id', 'agent_id', 'progress', 'note', 'links', 'created_at'),
+      db(SUBMISSIONS).where({ task_id }).orderBy('created_at', 'asc').select('id', 'agent_id', 'round', 'summary', 'artifacts', 'created_at'),
+    ])
+    // 交付只给发布方和提交者本人看；擂台赛截止前对发布方也封存。
+    const sealed = task.status === 'in_contest'
+    const visible = submissions.filter((submission) => submission.agent_id === agent.id || (task.publisher_agent_id === agent.id && !sealed))
+    return { ok: true, task, acceptance: await acceptanceOf(db, task_id), entry_count: Number(entries.n), checkpoints, submissions: visible }
   }
 
   /**
@@ -289,6 +351,219 @@ export function createTasks({ db, agents, escrow }) {
   }
 
   /**
+   * 上报检查点：刷新下次到期时间，并记为该次持有的有效检查点（接力分成的依据）。
+   * @param {object} ctx
+   * @param {{ agent: Agent, task_id: string, progress: number, note: string|null, links: string[] }} input
+   */
+  async function checkpoint(ctx, { agent, task_id, progress, note, links }) {
+    return act(ctx, {
+      agent,
+      task_id,
+      action: { type: 'checkpoint' },
+      async record(trx, _before, _after, now) {
+        const hold = await trx(HOLDS).where({ task_id }).whereNull('ended_at').first('id')
+        const id = `cp_${randomUUID()}`
+        await trx(CHECKPOINTS).insert({ id, task_id, hold_id: hold.id, agent_id: agent.id, progress, note, links: JSON.stringify(links), created_at: now })
+        return { checkpoint_id: id }
+      },
+    })
+  }
+
+  /**
+   * 提交交付物。计件活每轮一份（第 n 次返工是第 n+1 轮）；擂台赛每个参赛者一份，截止前封存。
+   * @param {object} ctx
+   * @param {{ agent: Agent, task_id: string, summary: string, artifacts: Array<{ type: 'link', url: string, note?: string }> }} input
+   */
+  async function submit(ctx, { agent, task_id, summary, artifacts }) {
+    return act(ctx, {
+      agent,
+      task_id,
+      action: { type: 'submit' },
+      async prepare(trx, task) {
+        if (task.template !== 'contest') return null
+        const existing = await trx(SUBMISSIONS).where({ task_id, agent_id: agent.id }).first('id')
+        return existing === undefined ? null : refuse('state_conflict', 'You have already submitted to this contest.')
+      },
+      async record(trx, before, _after, now) {
+        const id = `s_${randomUUID()}`
+        await trx(SUBMISSIONS).insert({ id, task_id, agent_id: agent.id, round: before.template === 'contest' ? 1 : before.rework_count + 1, summary, artifacts: JSON.stringify(artifacts), created_at: now })
+        return { submission_id: id }
+      },
+    })
+  }
+
+  /**
+   * 发布方按清单逐条验收。计件活验的是持有人最新一轮提交；擂台赛用 select_winner 并指明赢家的提交。
+   * @param {object} ctx
+   * @param {{ agent: Agent, task_id: string, action: 'accept'|'reject'|'select_winner', checks: Array<{ id: string, pass: boolean, reason: string }>, reason: string|null, submission_id: string|null }} input
+   */
+  async function review(ctx, { agent, task_id, action, checks, reason, submission_id }) {
+    /** @type {string} */
+    let reviewed
+    return act(ctx, {
+      agent,
+      task_id,
+      async prepare(trx) {
+        const violation = reviewViolation({ action, checks, item_keys: (await acceptanceOf(trx, task_id)).map((item) => item.id) })
+        if (violation !== null) return refuse('rule_violation', violation)
+        switch (action) {
+          case 'accept':
+          case 'reject': {
+            const latest = await trx(SUBMISSIONS).where({ task_id }).orderBy('created_at', 'desc').first('id')
+            if (latest === undefined) return refuse('state_conflict', 'There is no submission to review yet.')
+            reviewed = latest.id
+            return { action: { type: action } }
+          }
+          case 'select_winner': {
+            const winner = submission_id === null ? undefined : await trx(SUBMISSIONS).where({ id: submission_id, task_id }).first('id', 'agent_id')
+            if (winner === undefined) return refuse('rule_violation', 'select_winner requires the submission_id of a submission to this task.')
+            reviewed = winner.id
+            return { action: { type: 'select_winner', winner_agent_id: winner.agent_id } }
+          }
+          default:
+            throw new Error(`Unhandled review action: ${action}, id: ${task_id}`)
+        }
+      },
+      async record(trx, _before, _after, now) {
+        const id = `rv_${randomUUID()}`
+        await trx(REVIEWS).insert({ id, task_id, submission_id: reviewed, reviewer_kind: 'publisher', action, reason, created_at: now })
+        await trx('vk_review_checks').insert(checks.map((check) => ({ review_id: id, item_key: check.id, pass: check.pass, reason: check.reason })))
+        return { review_id: id }
+      },
+    })
+  }
+
+  /**
+   * 持有人把任务转给同公会的另一个 Agent，对方接受后才换人；同一任务同时只有一个待确认的转让。
+   * @param {object} _ctx
+   * @param {{ agent: Agent, task_id: string, to_agent_id: string }} input
+   * @returns {Promise<{ ok: true, transfer_id: string, expires_at: Date } | Refusal>}
+   */
+  async function requestTransfer(_ctx, { agent, task_id, to_agent_id }) {
+    return db.transaction(async (trx) => {
+      const task = await lockTask(trx, task_id)
+      const hidden = task === null ? refuse('not_found', `Task not found: ${task_id}`) : hiddenFrom(agent, task)
+      if (task === null || hidden !== null) return /** @type {Refusal} */ (hidden)
+      if (task.status !== 'claimed') return refuse('state_conflict', `Task is ${task.status}; only a claimed task can be transferred.`)
+      if (task.holder_agent_id !== agent.id) return refuse('forbidden', 'Only the current holder can transfer.')
+      const target = await trx('vk_agents').where({ id: to_agent_id, guild_id: task.guild_id, status: 'active' }).first('id')
+      if (target === undefined || to_agent_id === agent.id) return refuse('rule_violation', 'to_agent_id must be another active agent in this guild.')
+      if ((await trx(TRANSFERS).where({ task_id, status: 'pending' }).first('id')) !== undefined) return refuse('state_conflict', 'This task already has a pending transfer.')
+      const now = new Date()
+      const guild = await guildRow(trx, task.guild_id)
+      const transfer = { id: `tr_${randomUUID()}`, task_id, from_agent_id: agent.id, to_agent_id, status: 'pending', expires_at: new Date(now.getTime() + guild.transfer_ttl_sec * 1000), created_at: now }
+      await trx(TRANSFERS).insert(transfer)
+      await insertEvent(trx, task, 'task.transfer_requested', to_agent_id, now)
+      await insertJob(trx, task_id, 'transfer_expire', transfer.expires_at, now)
+      return { ok: true, transfer_id: transfer.id, expires_at: transfer.expires_at }
+    })
+  }
+
+  /**
+   * 被转让方接受或拒绝。接受时走状态机换持有人（自接自单、并发上限、稀有度同样适用）。
+   * @param {object} ctx
+   * @param {{ agent: Agent, task_id: string, decision: 'accept'|'decline' }} input
+   * @returns {Promise<{ ok: true, task: Task } | Refusal>}
+   */
+  async function answerTransfer(ctx, { agent, task_id, decision }) {
+    /** @param {import('knex').Knex} trx @param {Date} now */
+    const pendingForMe = async (trx, now) => {
+      const transfer = await trx(TRANSFERS).where({ task_id, to_agent_id: agent.id, status: 'pending' }).first('id', 'expires_at')
+      return transfer === undefined || transfer.expires_at <= now ? null : transfer
+    }
+    switch (decision) {
+      case 'accept':
+        return act(ctx, {
+          agent,
+          task_id,
+          action: { type: 'transfer_accept' },
+          prepare: async (trx, _task, now) => ((await pendingForMe(trx, now)) === null ? refuse('state_conflict', 'There is no pending transfer of this task to you.') : null),
+          record: async (trx, _before, _after, now) => {
+            await trx(TRANSFERS).where({ task_id, to_agent_id: agent.id, status: 'pending' }).update({ status: 'accepted', resolved_at: now })
+          },
+        })
+      case 'decline':
+        return db.transaction(async (trx) => {
+          const task = await lockTask(trx, task_id)
+          const now = new Date()
+          if (task === null || (await pendingForMe(trx, now)) === null) return refuse('state_conflict', 'There is no pending transfer of this task to you.')
+          await trx(TRANSFERS).where({ task_id, to_agent_id: agent.id, status: 'pending' }).update({ status: 'declined', resolved_at: now })
+          return { ok: true, task }
+        })
+      default:
+        throw new Error(`Unhandled transfer decision: ${decision}, id: ${task_id}`)
+    }
+  }
+
+  /**
+   * worker：到期仍待确认的转让记为 expired。
+   * @param {object} _ctx
+   * @param {{ task_id: string }} input
+   */
+  async function expireTransfers(_ctx, { task_id }) {
+    const now = new Date()
+    await db(TRANSFERS).where({ task_id, status: 'pending' }).where('expires_at', '<=', now).update({ status: 'expired', resolved_at: now })
+  }
+
+  /**
+   * 负责人审核公司 Agent 发布的任务：通过上板，驳回退款。
+   * @param {object} ctx
+   * @param {{ user_id: string, task_id: string, decision: 'approve'|'reject' }} input
+   * @returns {Promise<{ ok: true, task: Task } | Refusal>}
+   */
+  async function decideApproval(ctx, { user_id, task_id, decision }) {
+    return db.transaction(async (trx) => {
+      const task = await lockTask(trx, task_id)
+      if (task === null) return refuse('not_found', `Task not found: ${task_id}`)
+      const guild = await trx('vk_guilds').where({ id: task.guild_id }).first('lead_user_id')
+      if (guild.lead_user_id !== user_id) return refuse('forbidden', 'Only the guild lead can review this task.')
+      return apply(ctx, trx, task, { type: decision === 'approve' ? 'approve' : 'reject_approval' }, { kind: 'lead', user_id }, undefined, new Date(), undefined)
+    })
+  }
+
+  /**
+   * 负责人名下公会里等待审核的任务。
+   * @param {object} _ctx
+   * @param {{ user_id: string }} input
+   * @returns {Promise<Task[]>}
+   */
+  async function listPendingApprovals(_ctx, { user_id }) {
+    const rows = await db(TASKS).where({ status: 'pending_approval' }).whereIn('guild_id', db('vk_guilds').where({ lead_user_id: user_id }).select('id')).orderBy('created_at', 'asc')
+    return rows.map(taskFromRow)
+  }
+
+  /**
+   * 运营裁决争议：结算给接单方（计件活为持有人，擂台赛须指明赢家）或全额退回发布方。
+   * @param {object} ctx
+   * @param {{ user_id: string, task_id: string, outcome: 'settled'|'refunded', winner_agent_id: string|null }} input
+   * @returns {Promise<{ ok: true, task: Task } | Refusal>}
+   */
+  async function resolveDispute(ctx, { user_id, task_id, outcome, winner_agent_id }) {
+    return db.transaction(async (trx) => {
+      const task = await lockTask(trx, task_id)
+      if (task === null) return refuse('not_found', `Task not found: ${task_id}`)
+      const winner = outcome === 'settled' ? (task.holder_agent_id === null ? winner_agent_id : task.holder_agent_id) : null
+      if (outcome === 'settled' && winner === null) return refuse('rule_violation', 'winner_agent_id is required to settle a contest dispute.')
+      if (winner !== null && task.template === 'contest' && (await trx(ENTRIES).where({ task_id, agent_id: winner }).first('id')) === undefined) return refuse('rule_violation', 'winner_agent_id must be an entrant of this contest.')
+      const now = new Date()
+      return apply(ctx, trx, task, { type: 'resolve', outcome, winner_agent_id: winner }, { kind: 'operator', user_id }, undefined, now, async () => {
+        await trx(DISPUTES).where({ task_id }).whereNot({ status: 'resolved' }).update({ status: 'resolved', resolution: JSON.stringify({ outcome, winner_agent_id: winner }), resolved_by_user_id: user_id, resolved_at: now })
+      })
+    })
+  }
+
+  /**
+   * 运营的仲裁队列：未关闭的争议及其任务。
+   * @param {object} _ctx
+   * @returns {Promise<Array<{ dispute_id: string, status: string, opened_by_agent_id: string, created_at: Date, task: Task }>>}
+   */
+  async function listOpenDisputes(_ctx) {
+    const disputes = await db(DISPUTES).whereNot({ status: 'resolved' }).orderBy('created_at', 'asc')
+    const tasks = disputes.length === 0 ? [] : await db(TASKS).whereIn('id', disputes.map((dispute) => dispute.task_id))
+    return disputes.map((dispute) => ({ dispute_id: dispute.id, status: dispute.status, opened_by_agent_id: dispute.opened_by_agent_id, created_at: dispute.created_at, task: taskFromRow(tasks.find((task) => task.id === dispute.task_id)) }))
+  }
+
+  /**
    * 到期前提醒：任务仍在等待对应动作时给当事人发事件；状态已变则无事可做。
    * @param {object} _ctx
    * @param {{ task_id: string, kind: 'checkpoint_warn'|'review_warn' }} input
@@ -310,7 +585,7 @@ export function createTasks({ db, agents, escrow }) {
     }
   }
 
-  return { publish, act, actAsWorker, warn, list, get, addComment, listComments, homeFor }
+  return { publish, act, actAsWorker, checkpoint, submit, review, requestTransfer, answerTransfer, expireTransfers, decideApproval, listPendingApprovals, resolveDispute, listOpenDisputes, warn, list, get, addComment, listComments, homeFor }
 }
 
 /**
@@ -340,7 +615,7 @@ async function lockTask(trx, task_id) {
  * @param {string} guild_id
  */
 async function guildRow(runner, guild_id) {
-  const guild = await runner('vk_guilds').where({ id: guild_id }).first('require_lead_approval', 'checkpoint_interval_sec', 'piece_review_window_sec', 'contest_review_window_sec')
+  const guild = await runner('vk_guilds').where({ id: guild_id }).first('require_lead_approval', 'checkpoint_interval_sec', 'piece_review_window_sec', 'contest_review_window_sec', 'transfer_ttl_sec')
   if (guild === undefined) throw new Error(`vk_guilds row missing, id: ${guild_id}`)
   return guild
 }
diff --git a/packages/voko-exchange/src/transition.js b/packages/voko-exchange/src/transition.js
index 6412ff0..9433045 100644
--- a/packages/voko-exchange/src/transition.js
+++ b/packages/voko-exchange/src/transition.js
@@ -184,18 +184,18 @@ const TRANSITIONS = {
       if (actor.kind !== 'worker') return notAllowed('Only the platform can record a missed checkpoint.')
       const due = /** @type {Date} */ (task.next_checkpoint_due_at)
       if (now < due) return fail('state_conflict', 'Checkpoint is not overdue.')
-      if (task.missed_checkpoints >= 1) return ok(reopen(task), releaseEffects(task, 'timeout'))
+      if (task.missed_checkpoints >= 1) return released(task, 'timeout', now)
       // 第一次缺失只告警：从原到期时刻顺延一个间隔。
       return ok({ ...task, next_checkpoint_due_at: checkpointDue(state, due), missed_checkpoints: 1 }, checkpointJobs(state, due))
     },
-    release({ task }, _action, actor) {
+    release({ task }, _action, actor, now) {
       if (!isHolder(task, actor)) return notAllowed('Only the current holder can release.')
-      return ok(reopen(task), releaseEffects(task, 'released'))
+      return released(task, 'released', now)
     },
     hold_timeout({ task }, _action, actor, now) {
       if (actor.kind !== 'worker') return notAllowed('Only the platform can time out a hold.')
       if (now < task.deadline_at) return fail('state_conflict', 'Deadline has not passed.')
-      return ok(reopen(task), releaseEffects(task, 'timeout'))
+      return released(task, 'timeout', now)
     },
     transfer_accept(state, _action, actor, now) {
       const refused = takerRefusal(state, actor)
@@ -371,10 +371,25 @@ function hold(state, agentId, now) {
 
 /**
  * @param {Task} task
+ * @param {'released'|'timeout'} reason
+ * @param {Date} now
+ * @returns {TransitionResult}
+ */
+function released(task, reason, now) {
+  const reopened = reopen(task, now)
+  return ok(reopened, releaseEffects(task, reopened, reason))
+}
+
+/**
+ * 任务回到 open。若此时已过截止，按原先给的工期（created_at → deadline_at）从现在起重新计时，
+ * 否则任务既接不了也不会过期，会卡死。
+ * @param {Task} task
+ * @param {Date} now
  * @returns {Task}
  */
-function reopen(task) {
-  return { ...task, status: 'open', holder_agent_id: null, next_checkpoint_due_at: null, missed_checkpoints: 0 }
+function reopen(task, now) {
+  const deadline = now < task.deadline_at ? task.deadline_at : new Date(now.getTime() + (task.deadline_at.getTime() - task.created_at.getTime()))
+  return { ...task, status: 'open', deadline_at: deadline, holder_agent_id: null, next_checkpoint_due_at: null, missed_checkpoints: 0 }
 }
 
 /**
@@ -402,12 +417,19 @@ function submitted(state, now, before) {
 }
 
 /**
- * @param {Task} task
+ * @param {Task} task 释放前的任务
+ * @param {Task} reopened 释放后的任务
  * @param {'released'|'timeout'} reason
  * @returns {Effect[]}
  */
-function releaseEffects(task, reason) {
-  return [{ type: 'hold_end', reason }, event('task.released', /** @type {string} */ (task.holder_agent_id)), event('task.released', task.publisher_agent_id)]
+function releaseEffects(task, reopened, reason) {
+  return [
+    { type: 'hold_end', reason },
+    event('task.released', /** @type {string} */ (task.holder_agent_id)),
+    event('task.released', task.publisher_agent_id),
+    // 截止被顺延时要按新截止重新排「过期无人接」。
+    ...(reopened.deadline_at.getTime() === task.deadline_at.getTime() ? [] : openJobs(reopened)),
+  ]
 }
 
 /**
diff --git a/packages/voko-exchange/test/review.test.js b/packages/voko-exchange/test/review.test.js
new file mode 100644
index 0000000..5a2f53d
--- /dev/null
+++ b/packages/voko-exchange/test/review.test.js
@@ -0,0 +1,30 @@
+import { describe, expect, it } from 'vitest'
+import { reviewViolation } from '../src/review.js'
+
+const item_keys = ['c1', 'c2']
+const pass = (id) => ({ id, pass: true, reason: 'ok' })
+const failed = (id) => ({ id, pass: false, reason: 'not done' })
+
+describe('验收格式校验', () => {
+  it('全部通过只能 accept / select_winner', () => {
+    expect(reviewViolation({ action: 'accept', checks: [pass('c1'), pass('c2')], item_keys })).toBeNull()
+    expect(reviewViolation({ action: 'select_winner', checks: [pass('c1'), pass('c2')], item_keys })).toBeNull()
+    expect(reviewViolation({ action: 'reject', checks: [pass('c1'), pass('c2')], item_keys })).toMatch(/at least one failed/)
+  })
+
+  it('任一条不通过只能 reject', () => {
+    expect(reviewViolation({ action: 'reject', checks: [pass('c1'), failed('c2')], item_keys })).toBeNull()
+    expect(reviewViolation({ action: 'accept', checks: [pass('c1'), failed('c2')], item_keys })).toMatch(/reject instead/)
+    expect(reviewViolation({ action: 'select_winner', checks: [failed('c1'), pass('c2')], item_keys })).toMatch(/reject instead/)
+  })
+
+  it('必须恰好覆盖全部清单项', () => {
+    expect(reviewViolation({ action: 'accept', checks: [pass('c1')], item_keys })).toMatch(/missing: c2/)
+    expect(reviewViolation({ action: 'accept', checks: [pass('c1'), pass('c2'), pass('c9')], item_keys })).toMatch(/unknown acceptance items: c9/)
+    expect(reviewViolation({ action: 'accept', checks: [pass('c1'), pass('c1'), pass('c2')], item_keys })).toMatch(/more than once/)
+  })
+
+  it('未知动作直接 throw', () => {
+    expect(() => reviewViolation({ action: 'approve', checks: [pass('c1'), pass('c2')], item_keys })).toThrow(/Unhandled review action: approve/)
+  })
+})
diff --git a/packages/voko-exchange/test/split-relay.test.js b/packages/voko-exchange/test/split-relay.test.js
new file mode 100644
index 0000000..d497abe
--- /dev/null
+++ b/packages/voko-exchange/test/split-relay.test.js
@@ -0,0 +1,49 @@
+import { describe, expect, it } from 'vitest'
+import { splitRelayPayout } from '../src/split-relay.js'
+
+const hold = (agent_id, end_reason, has_valid_checkpoint) => ({ agent_id, end_reason, has_valid_checkpoint })
+
+describe('SM-02 splitRelayPayout', () => {
+  it('1 人：全额归提交者', () => {
+    expect(splitRelayPayout(100, [hold('b', 'submitted', true)], 'b')).toEqual([{ agent_id: 'b', amount: 100, kind: 'winner' }])
+  })
+
+  it('2 人平分', () => {
+    expect(splitRelayPayout(100, [hold('a', 'released', true), hold('b', 'submitted', false)], 'b')).toEqual([
+      { agent_id: 'b', amount: 50, kind: 'winner' },
+      { agent_id: 'a', amount: 50, kind: 'relay_share' },
+    ])
+  })
+
+  it('3 人除不尽：余数归最终提交者', () => {
+    const payouts = splitRelayPayout(100, [hold('a', 'timeout', true), hold('c', 'transferred', true), hold('b', 'submitted', true)], 'b')
+    expect(payouts).toEqual([
+      { agent_id: 'b', amount: 34, kind: 'winner' },
+      { agent_id: 'a', amount: 33, kind: 'relay_share' },
+      { agent_id: 'c', amount: 33, kind: 'relay_share' },
+    ])
+  })
+
+  it('同一 Agent 多次持有只算一份；没留有效检查点的前任不参与', () => {
+    const holds = [hold('a', 'released', true), hold('a', 'timeout', true), hold('d', 'released', false), hold('b', 'released', true), hold('b', 'submitted', true)]
+    expect(splitRelayPayout(90, holds, 'b')).toEqual([
+      { agent_id: 'b', amount: 45, kind: 'winner' },
+      { agent_id: 'a', amount: 45, kind: 'relay_share' },
+    ])
+  })
+
+  it('各笔之和恒等于 reward（含赏金小于人数）', () => {
+    const holds = [hold('a', 'released', true), hold('c', 'released', true), hold('b', 'submitted', true)]
+    for (const reward of [1, 2, 3, 4, 7, 100, 101]) {
+      const payouts = splitRelayPayout(reward, holds, 'b')
+      expect(payouts.reduce((sum, p) => sum + p.amount, 0)).toBe(reward)
+      expect(payouts.every((p) => p.amount > 0)).toBe(true)
+    }
+    expect(splitRelayPayout(2, holds, 'b')).toEqual([{ agent_id: 'b', amount: 2, kind: 'winner' }])
+  })
+
+  it('全部结束原因都被处理；未知原因直接 throw', () => {
+    for (const reason of ['submitted', 'released', 'timeout', 'transferred', null]) expect(() => splitRelayPayout(10, [hold('a', reason, true)], 'b')).not.toThrow()
+    expect(() => splitRelayPayout(10, [hold('a', 'vanished', true)], 'b')).toThrow(/Unhandled end_reason: vanished/)
+  })
+})
diff --git a/packages/voko-exchange/test/transition.test.js b/packages/voko-exchange/test/transition.test.js
index a6ab07c..34233e2 100644
--- a/packages/voko-exchange/test/transition.test.js
+++ b/packages/voko-exchange/test/transition.test.js
@@ -40,7 +40,7 @@ function stateFor(status, template = TEMPLATE_OF[status] ?? 'piecework', overrid
     rework_count: status === 'rework' ? 1 : 0,
     review_due_at: ['submitted', 'reviewing'].includes(status) ? PAST : null,
     settled_at: status === 'settled' ? PAST : null,
-    created_at: PAST,
+    created_at: new Date('2026-10-12T00:00:00.000Z'),
     updated_at: null,
     ...overrides,
   })
@@ -167,11 +167,19 @@ describe('SM-01 副作用与平台规则', () => {
     expect(first.task).toMatchObject({ status: 'claimed', missed_checkpoints: 1, next_checkpoint_due_at: new Date('2026-10-12T12:00:00.000Z') })
     const second = run(stateFor('claimed', 'piecework', { missed_checkpoints: 1 }), 'checkpoint_miss')
     expect(second.task).toMatchObject({ status: 'open', holder_agent_id: null, missed_checkpoints: 0 })
-    expect(effectTypes(second)).toEqual(['hold_end', 'task.released', 'task.released'])
+    // 夹具的截止已过：按原工期（6 小时）从现在重新计时，并重排过期 job。
+    expect(effectTypes(second)).toEqual(['hold_end', 'task.released', 'task.released', 'job:open_expire'])
+    expect(second.task.deadline_at).toEqual(new Date('2026-10-12T18:00:00.000Z'))
     expect(second.effects[0].reason).toBe('timeout')
     expect(run(stateFor('claimed', 'piecework', { missed_checkpoints: 1 }), 'checkpoint').task.missed_checkpoints).toBe(0)
   })
 
+  it('截止前主动释放：截止不变、不重排过期 job', () => {
+    const result = run(stateFor('claimed', 'piecework', { deadline_at: FUTURE }), 'release')
+    expect(result.task).toMatchObject({ status: 'open', deadline_at: FUTURE })
+    expect(effectTypes(result)).toEqual(['hold_end', 'task.released', 'task.released'])
+  })
+
   it('未到期的 worker 动作是过时 job，返回 state_conflict', () => {
     expect(run(stateFor('open', 'piecework', { deadline_at: FUTURE }), 'open_expire')).toMatchObject({ ok: false, code: 'state_conflict' })
     expect(run(stateFor('claimed', 'piecework', { deadline_at: FUTURE }), 'hold_timeout')).toMatchObject({ ok: false, code: 'state_conflict' })
diff --git a/tools/scripts/verify-local.sh b/tools/scripts/verify-local.sh
index 8818114..cc5db82 100755
--- a/tools/scripts/verify-local.sh
+++ b/tools/scripts/verify-local.sh
@@ -30,6 +30,6 @@ curl -sf http://localhost:9201/healthz >/dev/null || { echo "API 未启动，日
 VOKO_ADMIN_EMAIL=admin@example.test VOKO_ADMIN_PASSWORD=admin123 \
   pnpm --filter @voko/server verify:skeleton
 export VOKO_ADMIN_EMAIL=admin@example.test VOKO_ADMIN_PASSWORD=admin123
-for scenario in f0 f1 f2 concurrency timers; do
+for scenario in f0 f1 f2 f3 concurrency timers; do
   pnpm --filter @voko/server "verify:$scenario"
 done