diff --git a/apps/voko-server/package.json b/apps/voko-server/package.json
index fdd5e03..fa3ec92 100644
--- a/apps/voko-server/package.json
+++ b/apps/voko-server/package.json
@@ -17,6 +17,7 @@
     "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:e2e": "node tools/scenarios/voko-alpha/e2e-loop.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/assembly/email.js b/apps/voko-server/src/assembly/email.js
index c31f814..28162e1 100644
--- a/apps/voko-server/src/assembly/email.js
+++ b/apps/voko-server/src/assembly/email.js
@@ -79,7 +79,44 @@ export function createEmailPorts({ env, db, logger }) {
     },
   }
 
-  return { authEmail, accessNotifier }
+  /**
+   * 给主人发一封 voko-notice 并记投递日志。主人邮箱与语言取自 users 行。
+   * @param {string} user_id
+   * @param {string} purpose
+   * @param {{ kind: 'claimed'|'help', path: string, agent: string, task?: string, question?: string }} notice
+   */
+  async function sendOwnerNotice(user_id, purpose, { path, ...notice }) {
+    const owner = await db('users').where({ id: user_id }).first('email', 'locale')
+    if (owner === undefined) throw new Error(`users row missing for owner notice, id: ${user_id}`)
+    const result = await email.sendTemplate('voko-notice', { to: owner.email, from, locale: String(owner.locale).startsWith('zh') ? 'zh' : 'en', url: `${env.publicUrl}${path}`, ...notice })
+    await recordEmailDelivery(db, { provider: result.provider || 'nodemailer', messageId: result.message_id || null, purpose, toEmail: owner.email, status: 'sent', template: 'voko-notice' })
+  }
+
+  const ownerNotifier = {
+    /**
+     * 认领确认。
+     * @param {object} _ctx
+     * @param {{ user_id: string, agent_name: string }} input
+     */
+    async sendAgentClaimed(_ctx, { user_id, agent_name }) {
+      try {
+        await sendOwnerNotice(user_id, 'agent_claimed', { kind: 'claimed', path: '/agents', agent: agent_name })
+      } catch (err) {
+        // 外部 IO 的最小包裹：认领已提交，确认邮件失败只记录，不影响认领结果。
+        logger.error('认领确认邮件投递失败', { user_id, error: err instanceof Error ? err.message : String(err) })
+      }
+    },
+    /**
+     * 求助通知。由 worker 的 job 调用，失败直接抛出，由 job 退避重试。
+     * @param {object} _ctx
+     * @param {{ user_id: string, agent_name: string, task_title: string, question: string }} input
+     */
+    async sendHelp(_ctx, { user_id, agent_name, task_title, question }) {
+      await sendOwnerNotice(user_id, 'help_requested', { kind: 'help', path: '/help', agent: agent_name, task: task_title, question })
+    },
+  }
+
+  return { authEmail, accessNotifier, ownerNotifier }
 }
 
 /**
diff --git a/apps/voko-server/src/assembly/runtime.js b/apps/voko-server/src/assembly/runtime.js
index 5e68443..09a81df 100644
--- a/apps/voko-server/src/assembly/runtime.js
+++ b/apps/voko-server/src/assembly/runtime.js
@@ -9,10 +9,10 @@ import { createBillingRepo, createLedger } from '@drama/billing'
 import { createDb } from '@drama/db'
 import { createLLM, createStaticKeyProvider } from '@drama/llm'
 import { createLogger } from '@drama/observability'
-import { createAccessRequests, createAgentAccess } from '@voko/access'
+import { createAccessRequests, createAgentAccess, createOwnerSettings, nextAllowedSendTime } from '@voko/access'
 import { createMemoryStore, createRateLimiter } from '@drama/ratelimit'
-import { createEscrow } from '@voko/clearing'
-import { createAgents, createEvents, createGuilds, createJobs, createJudge, createTasks } from '@voko/exchange'
+import { createEscrow, createTips } from '@voko/clearing'
+import { createAgents, createEvents, createGuilds, createHelp, createJobs, createJudge, createTasks } from '@voko/exchange'
 
 import { readEnv } from '../env.js'
 import { createEmailPorts } from './email.js'
@@ -34,7 +34,7 @@ export async function createRuntime({ service }) {
 
   // 2. 连接与基础端口。
   const db = createDb({ url: env.databaseUrl })
-  const { authEmail, accessNotifier } = createEmailPorts({ env, db, logger })
+  const { authEmail, accessNotifier, ownerNotifier } = createEmailPorts({ env, db, logger })
   const tokenSigner = createHmacTokenSigner({ secret: env.authTokenSecret })
   const hasher = createScryptHasher()
   const oauth = env.oauth.googleClientId === null
@@ -57,7 +57,39 @@ export async function createRuntime({ service }) {
   const judge = createJudge({ chat: (request) => llm.chat(request) })
   const tasks = createTasks({ db, agents, escrow, judge })
   const events = createEvents({ db })
-  const jobs = createJobs({ db, tasks, logger })
+  const ownerSettings = createOwnerSettings({ db })
+  const help = createHelp({
+    db,
+    mailer: ownerNotifier,
+    // 求助邮件：主人关了就不发；在安静时段内推迟到结束时刻。
+    async sendAfter(ctx, { user_id, now }) {
+      const settings = await ownerSettings.get(ctx, { user_id })
+      return settings.email_help ? nextAllowedSendTime(now, settings) : null
+    },
+  })
+  const tips = createTips({ db })
+  const jobs = createJobs({ db, tasks, help, logger })
+
+  /**
+   * 给已结算任务的赢家打赏；收款事件与动账同事务。
+   * @param {object} ctx
+   * @param {{ agent: import('@voko/exchange').Agent, task_id: string, amount: number, client_request_key: string }} input
+   */
+  async function tipTask(ctx, { agent, task_id, amount, client_request_key }) {
+    const seen = await tasks.get(ctx, { agent, task_id })
+    if (!seen.ok) return seen
+    return tips.send(ctx, {
+      task_id,
+      from_agent_id: agent.id,
+      from_wallet: agent.wallet_user_id,
+      amount,
+      client_request_key,
+      async onSent(trx, { to_wallet }) {
+        const recipient = await agents.getByWallet(ctx, trx, { wallet_user_id: to_wallet })
+        await events.emit(ctx, trx, { guild_id: seen.task.guild_id, task_id, type: 'tip.received', target_agent_id: recipient.id })
+      },
+    })
+  }
   // 公开 API 按 Agent 限流（接入说明：读 120/分、写 40/分、发任务 30/小时）。单进程部署用内存 store，多实例时换 MySQL 或 Redis store。
   const rateLimiter = createRateLimiter({
     store: createMemoryStore(),
@@ -71,6 +103,7 @@ export async function createRuntime({ service }) {
     db,
     agents,
     public_url: env.publicUrl,
+    notifier: ownerNotifier,
     // 启动积分 100：在认领事务里记账，幂等键由 agent_id 唯一决定。
     async grantStarter(_ctx, trx, { agent_id, wallet_user_id }) {
       await createLedger(createBillingRepo(db, trx)).grant({
@@ -101,7 +134,7 @@ export async function createRuntime({ service }) {
   return {
     env,
     logger,
-    services: { db, auth, userRepo, access, agents, guilds, agentAccess, escrow, tasks, events, jobs, rateLimiter, register, oauthEnabled: env.oauth.googleClientId !== null },
+    services: { db, auth, userRepo, access, agents, guilds, agentAccess, escrow, tasks, events, jobs, help, ownerSettings, tipTask, rateLimiter, register, oauthEnabled: env.oauth.googleClientId !== null },
     async close() {
       await db.destroy()
     },
diff --git a/apps/voko-server/src/db/migrations/202610100003_tips_and_owner_settings.js b/apps/voko-server/src/db/migrations/202610100003_tips_and_owner_settings.js
new file mode 100644
index 0000000..b7a2fec
--- /dev/null
+++ b/apps/voko-server/src/db/migrations/202610100003_tips_and_owner_settings.js
@@ -0,0 +1,37 @@
+/** W4：打赏记录 vk_tips；主人设置 vk_owner_settings（时区、安静时段、邮件开关）。与各包 tables/*.cjs 逐字一致。 */
+export async function up(db) {
+  await db.schema.createTable('vk_tips', (t) => {
+    t.string('id', 64).primary()
+    t.string('task_id', 64).notNullable()
+    t.string('from_agent_id', 64).notNullable()
+    t.string('from_wallet', 64).notNullable()
+    t.string('to_wallet', 64).notNullable()
+    t.bigInteger('amount').notNullable()
+    t.string('out_ledger_id', 64).notNullable()
+    t.string('in_ledger_id', 64).notNullable()
+    t.string('client_request_key', 191).notNullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.unique(['from_agent_id', 'client_request_key'], { indexName: 'uq_vk_tips_sender_request' })
+    t.unique(['out_ledger_id'], { indexName: 'uq_vk_tips_out_ledger' })
+    t.unique(['in_ledger_id'], { indexName: 'uq_vk_tips_in_ledger' })
+    t.index(['task_id'], 'idx_vk_tips_task')
+    t.check('amount > 0', [], 'ck_vk_tips_amount')
+    t.check('from_wallet <> to_wallet', [], 'ck_vk_tips_parties')
+  })
+
+  await db.schema.createTable('vk_owner_settings', (t) => {
+    t.string('user_id', 64).primary()
+    t.string('timezone', 64).notNullable()
+    t.tinyint('quiet_start_hour').unsigned().notNullable()
+    t.tinyint('quiet_end_hour').unsigned().notNullable()
+    t.boolean('email_help').notNullable()
+    t.boolean('email_digest').notNullable()
+    t.datetime('updated_at', { precision: 3 }).notNullable()
+    t.check('quiet_start_hour <= 23 and quiet_end_hour <= 23', [], 'ck_vk_owner_settings_hours')
+  })
+}
+
+export async function down(db) {
+  await db.schema.dropTable('vk_owner_settings')
+  await db.schema.dropTable('vk_tips')
+}
diff --git a/apps/voko-server/src/routes/owner.js b/apps/voko-server/src/routes/owner.js
index 9152b62..2b0f70b 100644
--- a/apps/voko-server/src/routes/owner.js
+++ b/apps/voko-server/src/routes/owner.js
@@ -1,13 +1,23 @@
 import * as v from 'valibot'
 
 import { codedError, requireUser } from './auth.js'
-import { agentView, IdempotencyKey, PublishBody, REFUSAL_STATUS, taskView } from './v1.js'
+import { agentView, IdempotencyKey, ledgerView, PublishBody, REFUSAL_STATUS, taskView } from './v1.js'
 
 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 HelpParams = v.object({ id: v.pipe(v.string(), v.minLength(1), v.maxLength(64)) })
+const AnswerBody = v.object({ answer: v.pipe(v.string(), v.minLength(1), v.maxLength(4000)) })
+const Hour = v.pipe(v.number(), v.safeInteger(), v.minValue(0), v.maxValue(23))
+const SettingsBody = v.object({
+  timezone: v.pipe(v.string(), v.check((zone) => Intl.supportedValuesOf('timeZone').includes(zone) || zone === 'UTC', 'timezone must be an IANA time zone')),
+  quiet_start_hour: Hour,
+  quiet_end_hour: Hour,
+  email_help: v.boolean(),
+  email_digest: v.boolean(),
+})
 const StatusBody = v.object({ status: v.picklist(['active', 'suspended']) })
 
 /**
@@ -17,7 +27,7 @@ const StatusBody = v.object({ status: v.picklist(['active', 'suspended']) })
  * @param {Record<string, any>} services
  */
 export function registerOwnerRoutes(app, services) {
-  const { agents, agentAccess, guilds, escrow, tasks, db } = services
+  const { agents, agentAccess, guilds, escrow, tasks, help, ownerSettings, db } = services
 
   /**
    * 取当前用户名下的一个 Agent；不是自己的按不存在处理。
@@ -91,6 +101,39 @@ export function registerOwnerRoutes(app, services) {
    */
   const refused = (reply, refusal) => reply.code(REFUSAL_STATUS[refusal.code]).send({ error: { code: refusal.code, message: refusal.hint, retryable: false } })
 
+  app.get('/api/voko/agents/:id/ledger', async (request) => {
+    const { agent } = await ownAgent(request)
+    return { ledger: (await escrow.ledgerOf(request.ctx, { wallet_user_id: agent.wallet_user_id, limit: 100 })).map(ledgerView) }
+  })
+
+  // 求助收件箱：主人回复自己 Agent 的求助。
+  app.get('/api/voko/help', async (request) => {
+    const user = await requireUser(request, services)
+    const rows = await help.listForOwner(request.ctx, { user_id: user.id })
+    return { help_requests: rows.map((row) => ({ ...row, created_at: row.created_at.toISOString(), answered_at: row.answered_at === null ? null : row.answered_at.toISOString() })) }
+  })
+
+  app.post('/api/voko/help/:id/answer', async (request, reply) => {
+    const user = await requireUser(request, services)
+    const params = v.parse(HelpParams, request.params)
+    const body = v.parse(AnswerBody, request.body)
+    const result = await help.answer(request.ctx, { user_id: user.id, help_id: params.id, answer: body.answer })
+    return result.ok ? { ok: true } : refused(reply, result)
+  })
+
+  // 设置：时区、安静时段、邮件开关。
+  app.get('/api/voko/me/settings', async (request) => {
+    const user = await requireUser(request, services)
+    return { settings: await ownerSettings.get(request.ctx, { user_id: user.id }) }
+  })
+
+  app.put('/api/voko/me/settings', async (request) => {
+    const user = await requireUser(request, services)
+    const settings = v.parse(SettingsBody, request.body)
+    await ownerSettings.save(request.ctx, { user_id: user.id, settings })
+    return { settings }
+  })
+
   // 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)
diff --git a/apps/voko-server/src/routes/v1.js b/apps/voko-server/src/routes/v1.js
index 43e906f..c217a22 100644
--- a/apps/voko-server/src/routes/v1.js
+++ b/apps/voko-server/src/routes/v1.js
@@ -50,6 +50,9 @@ const ReviewBody = v.object({
   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 HelpBody = v.object({ question: v.pipe(v.string(), v.minLength(1), v.maxLength(4000)) })
+const TipBody = v.object({ amount: Reward })
+const LedgerQuery = v.object({ limit: v.optional(v.pipe(v.string(), v.transform(Number), v.integer(), v.minValue(1), v.maxValue(100)), '50') })
 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') })
@@ -67,7 +70,7 @@ const UpdateMeBody = v.object({ description: v.optional(Description), skills: v.
  * @param {Record<string, any>} services
  */
 export function registerV1Routes(app, services) {
-  const { agentAccess, agents, db, tasks, events, escrow, rateLimiter } = services
+  const { agentAccess, agents, db, tasks, events, escrow, help, tipTask, rateLimiter } = services
 
   app.register(async (v1) => {
     v1.setErrorHandler((/** @type {any} */ err, request, reply) => {
@@ -130,10 +133,11 @@ export function registerV1Routes(app, services) {
 
     v1.get('/home', async (request) => {
       const agent = agentOf(request)
-      const [wallet, home, unread] = await Promise.all([
+      const [wallet, home, unread, answers] = await Promise.all([
         escrow.walletOf(request.ctx, { wallet_user_id: agent.wallet_user_id }),
         tasks.homeFor(request.ctx, { agent }),
         events.pullUnread(request.ctx, { agent }),
+        help.answersFor(request.ctx, { agent_id: agent.id }),
       ])
       return ok({
         agent: { id: agent.id, role: agent.role, level: agent.level, xp: agent.xp },
@@ -142,6 +146,7 @@ export function registerV1Routes(app, services) {
         to_review: home.to_review.map(taskView),
         recommended_tasks: home.recommended_tasks.map(taskView),
         events: unread.map(eventView),
+        help_answers: answers.map((item) => ({ help_id: item.id, task_id: item.task_id, question: item.question, answer: item.answer, answered_at: item.answered_at.toISOString() })),
         announcements: [],
         skill_version: SKILL_VERSION,
         next_heartbeat_hint_sec: home.my_active_tasks.length > 0 || home.to_review.length > 0 ? 1800 : 3600,
@@ -155,6 +160,12 @@ export function registerV1Routes(app, services) {
 
     v1.get('/wallet', async (request) => ok(await escrow.walletOf(request.ctx, { wallet_user_id: agentOf(request).wallet_user_id })))
 
+    v1.get('/wallet/ledger', async (request) => {
+      const query = v.parse(LedgerQuery, request.query)
+      const rows = await escrow.ledgerOf(request.ctx, { wallet_user_id: agentOf(request).wallet_user_id, limit: query.limit })
+      return ok({ ledger: rows.map(ledgerView) })
+    })
+
     v1.get('/tasks', async (request) => {
       const query = v.parse(ListQuery, request.query)
       const page = await tasks.list(request.ctx, { agent: agentOf(request), ...query })
@@ -235,6 +246,24 @@ export function registerV1Routes(app, services) {
       })
     }
 
+    v1.post('/tasks/:id/help', async (request, reply) => {
+      const params = v.parse(TaskParams, request.params)
+      const body = v.parse(HelpBody, request.body)
+      const result = await help.request(request.ctx, { agent: agentOf(request), task_id: params.id, question: body.question })
+      if (!result.ok) return refused(reply, result)
+      return ok({ help_id: result.help_id })
+    })
+
+    v1.post('/tasks/:id/tip', async (request, reply) => {
+      const params = v.parse(TaskParams, request.params)
+      const body = v.parse(TipBody, request.body)
+      const key = v.parse(IdempotencyKey, request.headers['idempotency-key'])
+      const agent = agentOf(request)
+      const result = await tipTask(request.ctx, { agent, task_id: params.id, amount: body.amount, client_request_key: key })
+      if (!result.ok) return refused(reply, result)
+      return ok({ tip_id: result.tip_id, wallet: await escrow.walletOf(request.ctx, { wallet_user_id: agent.wallet_user_id }) })
+    })
+
     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 })
@@ -311,6 +340,14 @@ function commentView(comment) {
 }
 
 /**
+ * 流水的对外形状：任务相关的流水带 task_id。
+ * @param {{ id: string, type: string, amount: number, reason: string, ref_type: string|null, ref_id: string|null, created_at: Date }} row
+ */
+export function ledgerView(row) {
+  return { id: row.id, type: row.type, amount: row.amount, reason: row.reason, task_id: row.ref_type === 'vk_task' ? row.ref_id : null, at: row.created_at.toISOString() }
+}
+
+/**
  * 鉴权钩子挂在请求上的 Agent。
  * @param {import('fastify').FastifyRequest} request
  * @returns {import('@voko/exchange').Agent}
diff --git a/apps/voko-server/tools/scenarios/voko-alpha/_lib.mjs b/apps/voko-server/tools/scenarios/voko-alpha/_lib.mjs
index 9a68b32..bd6bf54 100644
--- a/apps/voko-server/tools/scenarios/voko-alpha/_lib.mjs
+++ b/apps/voko-server/tools/scenarios/voko-alpha/_lib.mjs
@@ -156,8 +156,9 @@ function createWorld(name, db) {
     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) {
       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()
+      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_help_requests', 'vk_tips', '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_jobs').where({ kind: 'help_notify' }).whereNotIn('ref_id', db('vk_help_requests').select('id')).del()
       await db('vk_tasks').whereIn('id', taskIds).del()
     }
     if (guildIds.length > 0) {
@@ -174,6 +175,7 @@ function createWorld(name, db) {
     }
     if (userIds.length > 0) {
       await db('vk_access_requests').whereIn('user_id', userIds).del()
+      await db('vk_owner_settings').whereIn('user_id', userIds).del()
       await db('auth_sessions').whereIn('user_id', userIds).del()
       await db('users').whereIn('id', userIds).del()
     }
@@ -204,5 +206,5 @@ function createWorld(name, db) {
     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 }
+  return { db, results, check, call, admin, waitForEmail, createOwner, createGuild, createAgent, grantBudget, publish, waitForTask, wallet, submit, claim, review, cleanup }
 }
diff --git a/apps/voko-server/tools/scenarios/voko-alpha/concurrency.mjs b/apps/voko-server/tools/scenarios/voko-alpha/concurrency.mjs
index 5424e19..73dfbd3 100644
--- a/apps/voko-server/tools/scenarios/voko-alpha/concurrency.mjs
+++ b/apps/voko-server/tools/scenarios/voko-alpha/concurrency.mjs
@@ -1,13 +1,13 @@
 #!/usr/bin/env node
 /**
- * 并发与幂等的真实链路脚本（Planning 用例 CC-01、CC-02；CC-03 结算并发在 W4）。
+ * 并发与幂等的真实链路脚本（Planning 用例 CC-01、CC-02、CC-03）。CC-03 需要 voko-worker 在跑。
  * CC-01 用 6 个 Agent（每个主人最多 3 个）同时发 20 个认领请求，断言恰好 1 个成功。
  */
 import { randomUUID } from 'node:crypto'
 
 import { runScenario } from './_lib.mjs'
 
-await runScenario('cc', async ({ db, check, call, createOwner, createGuild, createAgent, publish }) => {
+await runScenario('cc', async ({ db, check, call, createOwner, createGuild, createAgent, publish, waitForTask, wallet: walletOf, submit, claim, review }) => {
   const alice = await createOwner('alice')
   const bob = await createOwner('bob')
   const carol = await createOwner('carol')
@@ -32,4 +32,22 @@ await runScenario('cc', async ({ db, check, call, createOwner, createGuild, crea
   const won = claims.filter((r) => r.status === 200)
   const openHolds = await db('vk_task_holds').where({ task_id: taskId }).whereNull('ended_at')
   check('CC-01 20 个并发认领 → 恰好 1 个成功，其余 409', won.length === 1 && claims.filter((r) => r.status === 409).length === 19 && openHolds.length === 1 && openHolds[0].agent_id === won[0].json.data.holder_agent_id, { statuses: claims.map((r) => r.status) })
+
+  // CC-03 发布方 accept 与自动确认 job 同时发生 → 只结算一次。验收窗口 3 秒的公会，在到期时刻连发 accept。
+  const fast = await createGuild('fast', alice.user_id, { piece_review_window_sec: 3 })
+  const fastPublisher = await createAgent('fast-publisher', alice, fast)
+  const dave = await createOwner('dave')
+  const fastTaker = await createAgent('fast-taker', dave, fast)
+  const racing = (await publish(fastPublisher, { reward: 25 })).json.data
+  await claim(fastTaker, racing.id)
+  const submitted = await submit(fastTaker, racing.id)
+  const dueIn = new Date(submitted.json.data.review_due).getTime() - Date.now()
+  const accepts = []
+  for (const offset of [-150, 0, 150, 400, 900]) accepts.push(new Promise((resolve) => setTimeout(resolve, Math.max(0, dueIn + offset))).then(() => review(fastPublisher, racing.id, 'accept', ['c1'])))
+  const acceptResults = await Promise.all(accepts)
+  const settled = await waitForTask(fastPublisher, racing.id, (task) => task.status === 'settled')
+  const racePayouts = await db('vk_escrow_payouts').where({ task_id: racing.id })
+  const raceLedger = await db('billing_ledger').where({ ref_id: racing.id, reason: 'vk_task_payout' })
+  check('CC-03 accept 与自动确认并发 → 只结算一次', settled.status === 'settled' && racePayouts.length === 1 && raceLedger.length === 1 && (await walletOf(fastTaker)).available === 125 && acceptResults.every((r) => r.status === 200 || r.status === 409) && acceptResults.filter((r) => r.status === 200).length <= 1, { statuses: acceptResults.map((r) => r.status), racePayouts })
+
 })
diff --git a/apps/voko-server/tools/scenarios/voko-alpha/e2e-loop.mjs b/apps/voko-server/tools/scenarios/voko-alpha/e2e-loop.mjs
new file mode 100644
index 0000000..3a1c642
--- /dev/null
+++ b/apps/voko-server/tools/scenarios/voko-alpha/e2e-loop.mjs
@@ -0,0 +1,46 @@
+#!/usr/bin/env node
+/**
+ * E2E-01 完整闭环：注册 → 认领 → 发布 → 认领 → 检查点 → 提交 → 驳回 → 重交 → 通过 → 打赏 → 流水与事件；末尾对账。
+ * （排行榜在 W5 加入本脚本。）
+ */
+import { randomUUID } from 'node:crypto'
+
+import { runScenario } from './_lib.mjs'
+
+await runScenario('e2e', async ({ check, call, createOwner, createGuild, createAgent, publish, wallet, submit, claim, review }) => {
+  // 注册 → 认领（createAgent 走真实的注册与认领接口）。
+  const alice = await createOwner('alice')
+  const bob = await createOwner('bob')
+  const guild = await createGuild('main', alice.user_id)
+  const publisher = await createAgent('publisher', alice, guild)
+  const worker = await createAgent('worker', bob, guild)
+
+  // 发布 → 接单方从 /home 的推荐里发现任务 → 认领。
+  const task = (await publish(publisher, { reward: 70, acceptance: [{ id: 'c1', text: 'Natural Japanese' }, { id: 'c2', text: 'Keeps all links' }] })).json.data
+  const home = await call('GET', '/v1/home', { token: worker.key })
+  check('接单方在 /home 推荐里看到任务', home.json.data.recommended_tasks.some((t) => t.id === task.id), home)
+  check('认领', (await claim(worker, task.id)).status === 200)
+
+  // 检查点 → 提交 → 驳回 → 重交 → 通过。
+  check('检查点', (await call('POST', `/v1/tasks/${task.id}/checkpoints`, { token: worker.key, body: { progress: 60, note: 'First pass done' } })).status === 200)
+  check('第一次提交', (await submit(worker, task.id)).json.data.status === 'submitted')
+  const toReview = await call('GET', '/v1/home', { token: publisher.key })
+  check('发布方 /home 出现待验收', toReview.json.data.to_review.some((t) => t.id === task.id), toReview)
+  const rejected = await review(publisher, task.id, 'reject', ['c1', 'c2'], ['c2'], { reason: 'Two links are missing.' })
+  check('驳回 → rework', rejected.json.data.status === 'rework', rejected)
+  check('接单方收到 task.rejected', (await call('GET', '/v1/home', { token: worker.key })).json.data.events.some((e) => e.type === 'task.rejected' && e.task_id === task.id))
+  check('重交', (await submit(worker, task.id, 'Added the two missing links.')).json.data.status === 'submitted')
+  const accepted = await review(publisher, task.id, 'accept', ['c1', 'c2'])
+  check('通过 → settled', accepted.json.data.status === 'settled', accepted)
+
+  // 打赏 → 钱包、流水、事件与等级经验一致。
+  const tipped = await call('POST', `/v1/tasks/${task.id}/tip`, { token: publisher.key, idempotency_key: randomUUID(), body: { amount: 10 } })
+  check('打赏', tipped.status === 200, tipped)
+  check('钱包：发布方 100 - 70 - 10 = 20，接单方 100 + 70 + 10 = 180', (await wallet(publisher)).available === 20 && (await wallet(publisher)).held === 0 && (await wallet(worker)).available === 180, { publisher: await wallet(publisher), worker: await wallet(worker) })
+  const ledger = (await call('GET', '/v1/wallet/ledger', { token: worker.key })).json.data.ledger
+  check('接单方流水：启动积分、任务收入、打赏各一笔', ['vk_starter', 'vk_task_payout', 'vk_tip'].every((reason) => ledger.filter((row) => row.reason === reason).length === 1), ledger)
+  const me = (await call('GET', '/v1/agents/me', { token: worker.key })).json.data
+  check('接单方 XP = 结算积分 70', me.xp === 70, me)
+  const events = (await call('GET', '/v1/events?since=0', { token: worker.key })).json.data.events.map((e) => e.type)
+  check('接单方事件流完整', ['task.published', 'task.rejected', 'task.accepted', 'tip.received'].every((type) => events.includes(type)), events)
+})
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 ad91c98..3284adb 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）。
+ * F2 接单与执行的真实链路脚本（Planning 用例 F2-01 – F2-07，以及 TM-06 的安静时段部分）。F2-04 需要 voko-worker 在跑（求助邮件由 job 发出）。
  */
 import { runScenario } from './_lib.mjs'
 
-await runScenario('f2', async ({ db, check, call, createOwner, createGuild, createAgent, grantBudget, publish, submit, claim }) => {
+await runScenario('f2', async ({ db, check, call, waitForEmail, 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)
@@ -101,4 +101,37 @@ await runScenario('f2', async ({ db, check, call, createOwner, createGuild, crea
   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 })
+
+  // F2-04 求助 → 主人收到邮件；主人网页回复后 Agent 下次 /home 拿到答复。（rival 手上有接力来的 working 任务）
+  // 默认安静时段是 23:00–08:00（UTC）；先关掉安静时段，保证这封邮件现在就发。
+  await call('PUT', '/api/voko/me/settings', { token: bob.token, body: { timezone: 'UTC', quiet_start_hour: 0, quiet_end_hour: 0, email_help: true, email_digest: true } })
+  const asked = await call('POST', `/v1/tasks/${working.id}/help`, { token: rival.key, body: { question: 'Should the tone be formal or casual?' } })
+  const notHolderHelp = await call('POST', `/v1/tasks/${working.id}/help`, { token: taker.key, body: { question: 'hi' } })
+  check('求助 → help_id；非持有人求助 → 403', asked.status === 200 && typeof asked.json.data.help_id === 'string' && notHolderHelp.status === 403, { asked, notHolderHelp })
+  const helpMail = await waitForEmail({ to_email: bob.email, purpose: 'help_requested', status: 'sent' })
+  check('F2-04 主人收到求助邮件', helpMail.template === 'voko-notice', helpMail)
+  const inbox = await call('GET', '/api/voko/help', { token: bob.token })
+  const aliceInbox = await call('GET', '/api/voko/help', { token: alice.token })
+  check('求助出现在主人的收件箱，别人看不到', inbox.json.help_requests.some((h) => h.id === asked.json.data.help_id && h.status === 'open') && aliceInbox.json.help_requests.length === 0, { inbox, aliceInbox })
+  const stranger = await call('POST', `/api/voko/help/${asked.json.data.help_id}/answer`, { token: alice.token, body: { answer: 'x' } })
+  const answered = await call('POST', `/api/voko/help/${asked.json.data.help_id}/answer`, { token: bob.token, body: { answer: 'Formal, please.' } })
+  const answeredTwice = await call('POST', `/api/voko/help/${asked.json.data.help_id}/answer`, { token: bob.token, body: { answer: 'again' } })
+  check('主人回复成功；别人回复 → 404；重复回复 → 409', answered.status === 200 && stranger.status === 404 && answeredTwice.status === 409, { answered, stranger, answeredTwice })
+  const rivalHome = await call('GET', '/v1/home', { token: rival.key })
+  check('F2-04 Agent 下次 /home 拿到答复', rivalHome.json.data.help_answers.some((h) => h.help_id === asked.json.data.help_id && h.answer === 'Formal, please.') && rivalHome.json.data.events.some((e) => e.type === 'help.answered'), rivalHome)
+
+  // TM-06 安静时段内的求助邮件推迟到安静时段结束：把主人的安静时段设成从当前小时起的两小时。
+  const hourNow = new Date().getUTCHours()
+  const quiet = { timezone: 'UTC', quiet_start_hour: hourNow, quiet_end_hour: (hourNow + 2) % 24, email_help: true, email_digest: true }
+  const saved = await call('PUT', '/api/voko/me/settings', { token: bob.token, body: quiet })
+  const badZone = await call('PUT', '/api/voko/me/settings', { token: bob.token, body: { ...quiet, timezone: 'Mars/Olympus' } })
+  check('保存设置；非法时区 → 400', saved.status === 200 && (await call('GET', '/api/voko/me/settings', { token: bob.token })).json.settings.quiet_start_hour === hourNow && badZone.status === 400, { saved, badZone })
+  const quietHelp = await call('POST', `/v1/tasks/${working.id}/help`, { token: rival.key, body: { question: 'One more question during quiet hours.' } })
+  const quietJob = await db('vk_jobs').where({ kind: 'help_notify', ref_id: quietHelp.json.data.help_id }).first()
+  const expected = new Date(); expected.setUTCHours(hourNow + 2, 0, 0, 0)
+  check('TM-06 安静时段内的求助邮件推迟到安静时段结束的整点', quietJob.status === 'pending' && quietJob.run_at.getTime() === expected.getTime(), { run_at: quietJob.run_at, expected })
+  await call('PUT', '/api/voko/me/settings', { token: bob.token, body: { ...quiet, email_help: false } })
+  const mutedHelp = await call('POST', `/v1/tasks/${working.id}/help`, { token: rival.key, body: { question: 'Emails are off now.' } })
+  check('关闭求助邮件后不再排通知', (await db('vk_jobs').where({ kind: 'help_notify', ref_id: mutedHelp.json.data.help_id }).first()) === undefined, mutedHelp)
+
 })
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
index 89af1ec..1b8d81e 100644
--- a/apps/voko-server/tools/scenarios/voko-alpha/f3-review-settle.mjs
+++ b/apps/voko-server/tools/scenarios/voko-alpha/f3-review-settle.mjs
@@ -1,8 +1,10 @@
 #!/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 验收与结算的真实链路脚本（Planning 用例 F3-01 – F3-06）。
  * 需要 voko-worker 在跑：F3-04 的 AI 仲裁意见会真实调用大模型，F3-05 的擂台赛到截止由 worker 关闭。
  */
+import { randomUUID } from 'node:crypto'
+
 import { runScenario } from './_lib.mjs'
 
 await runScenario('f3', async ({ db, check, call, admin, createOwner, createGuild, createAgent, grantBudget, publish, waitForTask, wallet, submit, claim, review }) => {
@@ -104,4 +106,21 @@ await runScenario('f3', async ({ db, check, call, admin, createOwner, createGuil
   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 })
+
+  // F3-06 打赏：打赏人减、收款人加；重放不重复；余额不足 → 402；未结算任务与打赏自己被拒。
+  const tipKey = randomUUID()
+  const tipperBefore = (await wallet(helper)).available
+  const takerBeforeTip = (await wallet(taker)).available
+  const tipped = await call('POST', `/v1/tasks/${first.id}/tip`, { token: helper.key, idempotency_key: tipKey, body: { amount: 15 } })
+  const tipReplay = await call('POST', `/v1/tasks/${first.id}/tip`, { token: helper.key, idempotency_key: tipKey, body: { amount: 15 } })
+  check('F3-06 打赏 → 打赏人 -15、收款人 +15，重放不重复', tipped.status === 200 && tipped.json.data.wallet.available === tipperBefore - 15 && tipReplay.json.data.tip_id === tipped.json.data.tip_id && (await wallet(helper)).available === tipperBefore - 15 && (await wallet(taker)).available === takerBeforeTip + 15, { tipped, tipReplay })
+  const tooMuch = await call('POST', `/v1/tasks/${first.id}/tip`, { token: helper.key, idempotency_key: randomUUID(), body: { amount: 100000 } })
+  check('F3-06 余额不足 → 402，余额不变', tooMuch.status === 402 && (await wallet(helper)).available === tipperBefore - 15, tooMuch)
+  const selfTip = await call('POST', `/v1/tasks/${first.id}/tip`, { token: taker.key, idempotency_key: randomUUID(), body: { amount: 1 } })
+  const unsettled = await call('POST', `/v1/tasks/${disputed.id}/tip`, { token: helper.key, idempotency_key: randomUUID(), body: { amount: 1 } })
+  check('打赏自己 → 422；未结算（已退款）任务 → 409', selfTip.status === 422 && unsettled.status === 409, { selfTip, unsettled })
+  const ledger = await call('GET', '/v1/wallet/ledger', { token: taker.key })
+  check('流水接口：收款人能查到打赏与任务收入，每笔带类型、金额、任务与时间', ledger.status === 200 && ledger.json.data.ledger.some((row) => row.reason === 'vk_tip' && row.amount === 15) && ledger.json.data.ledger.some((row) => row.reason === 'vk_task_payout' && row.task_id === first.id && typeof row.at === 'string'), ledger)
+  check('收款人收到 tip.received', (await call('GET', '/v1/events?since=0', { token: taker.key })).json.data.events.some((e) => e.type === 'tip.received' && e.task_id === first.id))
+
 })
diff --git a/apps/voko-server/tools/scenarios/voko-alpha/verify-conservation.mjs b/apps/voko-server/tools/scenarios/voko-alpha/verify-conservation.mjs
index d390a6d..56d4a64 100644
--- a/apps/voko-server/tools/scenarios/voko-alpha/verify-conservation.mjs
+++ b/apps/voko-server/tools/scenarios/voko-alpha/verify-conservation.mjs
@@ -36,7 +36,8 @@ export async function verifyConservation(db) {
 
   const orphanTaskRefs = await db('billing_ledger as l').leftJoin('vk_tasks as t', 't.id', 'l.ref_id').where({ 'l.source': 'voko', 'l.ref_type': 'vk_task' }).whereNull('t.id').select('l.id', 'l.ref_id')
   const orphanAgentRefs = await db('billing_ledger as l').leftJoin('vk_agents as a', 'a.id', 'l.ref_id').where({ 'l.source': 'voko', 'l.ref_type': 'vk_agent' }).whereNull('a.id').select('l.id', 'l.ref_id')
-  for (const row of [...orphanTaskRefs, ...orphanAgentRefs]) problems.push({ rule: 'ledger_ref_missing', id: row.id, detail: `ref_id=${row.ref_id}` })
+  const orphanTipRefs = await db('billing_ledger as l').leftJoin('vk_tips as p', 'p.id', 'l.ref_id').where({ 'l.source': 'voko', 'l.ref_type': 'vk_tip' }).whereNull('p.id').select('l.id', 'l.ref_id')
+  for (const row of [...orphanTaskRefs, ...orphanAgentRefs, ...orphanTipRefs]) problems.push({ rule: 'ledger_ref_missing', id: row.id, detail: `ref_id=${row.ref_id}` })
   return problems
 }
 
diff --git a/docs/voko/upstream.md b/docs/voko/upstream.md
index dab61aa..ff38a6d 100644
--- a/docs/voko/upstream.md
+++ b/docs/voko/upstream.md
@@ -19,6 +19,7 @@
 | `pnpm-workspace.yaml` | 只保留 `apps/*`、`packages/*` |
 | `packages/email/src/templates/waitlist-invite.js` | `inviteUrl` 允许 `http://localhost`（本地验收用），其余仍须 https（2026-10-10） |
 | `packages/ui/src/components/Textarea.vue` | 加 `box-sizing: border-box`，否则 `width: 100%` 加内边距会撑出容器（2026-10-10；上游同样有此问题） |
+| `packages/email/src/templates/voko-notice.js` | 新增模板（本仓库独有）：Agent 已认领、Agent 求助，en / zh |
 | `apps/voko-server/src/assembly/security.js`、`google-oauth.js`、`email-delivery-log.js` | 从 visual-game-server 原样复制（security.js 只改了一条报错文案） |
 
 ## 待裁剪（原样搬入，后续处理）
diff --git a/packages/email/src/templates/index.js b/packages/email/src/templates/index.js
index 1ef6537..38cb69a 100644
--- a/packages/email/src/templates/index.js
+++ b/packages/email/src/templates/index.js
@@ -7,6 +7,7 @@ import * as verifyCode from './verify-code.js'
 import * as videoReady from './video-ready.js'
 import * as waitlistInvite from './waitlist-invite.js'
 import * as orderNotice from './order-notice.js'
+import * as vokoNotice from './voko-notice.js'
 import { EmailError } from '../map-error.js'
 
 const REGISTRY = {
@@ -14,6 +15,7 @@ const REGISTRY = {
   'video-ready': videoReady.render,
   'waitlist-invite': waitlistInvite.render,
   'order-notice': orderNotice.render,
+  'voko-notice': vokoNotice.render,
 }
 
 /**
diff --git a/packages/email/src/templates/voko-notice.js b/packages/email/src/templates/voko-notice.js
new file mode 100644
index 0000000..6e21ac6
--- /dev/null
+++ b/packages/email/src/templates/voko-notice.js
@@ -0,0 +1,58 @@
+import { EmailError } from '../map-error.js'
+
+/** VOKO 给主人的通知：Agent 已认领、Agent 求助。每种通知一组文案，`{name}` 等占位符由调用方数据填入。 */
+const COPY = Object.freeze({
+  en: {
+    claimed: { subject: 'You claimed {agent} on VOKO', heading: '{agent} is now active', body: 'Your agent joined its guild and received 100 starter points. You can manage it, reset its API key or set a daily spend limit from your agents page.', action: 'Open my agents' },
+    help: { subject: '{agent} needs your help', heading: '{agent} asked for help', body: 'Task: {task}\n\n{question}', action: 'Reply in your inbox' },
+  },
+  zh: {
+    claimed: { subject: '你已在 VOKO 认领 {agent}', heading: '{agent} 已激活', body: '你的 Agent 已加入公会并收到 100 启动积分。你可以在「我的 Agent」里管理它、重置 API key 或设置单日支出上限。', action: '打开我的 Agent' },
+    help: { subject: '{agent} 需要你的帮助', heading: '{agent} 向你求助', body: '任务：{task}\n\n{question}', action: '去收件箱回复' },
+  },
+})
+
+/**
+ * @param {{ locale: 'en'|'zh', kind: 'claimed'|'help', url: string, agent: string, task?: string, question?: string }} data
+ */
+export function render(data) {
+  if (!data || typeof data !== 'object') fail('data is required')
+  const byKind = COPY[data.locale]
+  if (!byKind) fail(`unsupported locale: ${String(data.locale)}`)
+  const copy = byKind[data.kind]
+  if (!copy) fail(`unsupported kind: ${String(data.kind)}`)
+  const url = requiredUrl(data.url)
+  const fill = (/** @type {string} */ text) => text.replace(/\{(agent|task|question)\}/g, (_, key) => requiredText(data[key], key))
+  const heading = fill(copy.heading)
+  const body = fill(copy.body)
+  const text = [heading, '', body, '', `${copy.action}: ${url}`].join('\n')
+  const html = [
+    '<!doctype html><html><body style="font-family:Arial,Helvetica,sans-serif;color:#1a1a1a;line-height:1.6;">',
+    `<h2 style="margin:0 0 16px;">${escapeHtml(heading)}</h2>`,
+    `<p style="margin:0 0 16px;white-space:pre-wrap;">${escapeHtml(body)}</p>`,
+    `<p style="margin:0;"><a href="${escapeHtml(url)}">${escapeHtml(copy.action)}</a></p>`,
+    '</body></html>',
+  ].join('')
+  return { subject: fill(copy.subject), text, html }
+}
+
+function requiredText(value, field) {
+  if (typeof value === 'string' && value.trim() !== '') return value
+  fail(`missing field "${field}"`)
+}
+
+function requiredUrl(value) {
+  const url = requiredText(value, 'url')
+  const parsed = new URL(url)
+  // 本地开发的前端是 http://localhost，其余环境必须 https。
+  if (parsed.protocol === 'https:' || parsed.hostname === 'localhost') return url
+  fail('url must use https')
+}
+
+function escapeHtml(value) {
+  return String(value).replace(/&/g, '&amp;').replace(/</g, '&lt;').replace(/>/g, '&gt;').replace(/"/g, '&quot;')
+}
+
+function fail(message) {
+  throw new EmailError({ provider: 'template', reason: 'badTemplate', retryable: false, message: `voko-notice: ${message}` })
+}
diff --git a/packages/email/test/voko-notice.test.js b/packages/email/test/voko-notice.test.js
new file mode 100644
index 0000000..bf56e36
--- /dev/null
+++ b/packages/email/test/voko-notice.test.js
@@ -0,0 +1,19 @@
+import { describe, expect, it } from 'vitest'
+import { renderTemplate } from '../src/templates/index.js'
+
+describe('voko-notice 模板', () => {
+  it.each(['en', 'zh'])('%s：认领与求助两种通知都能渲染，内容被转义', (locale) => {
+    const claimed = renderTemplate('voko-notice', { locale, kind: 'claimed', agent: 'Scout', url: 'https://alpha.voko.world/agents' })
+    expect(claimed.subject).toContain('Scout')
+    const help = renderTemplate('voko-notice', { locale, kind: 'help', agent: 'Scout', task: 'Translate <b>', question: 'Which tone?', url: 'http://localhost:5201/help' })
+    expect(help.text).toContain('Which tone?')
+    expect(help.html).toContain('Translate &lt;b&gt;')
+    expect(help.html).not.toContain('<b>')
+  })
+
+  it('缺字段、未知类型、非 https 链接直接报错', () => {
+    expect(() => renderTemplate('voko-notice', { locale: 'en', kind: 'help', agent: 'Scout', url: 'https://x.test' })).toThrow(/missing field "task"/)
+    expect(() => renderTemplate('voko-notice', { locale: 'en', kind: 'digest', agent: 'Scout', url: 'https://x.test' })).toThrow(/unsupported kind/)
+    expect(() => renderTemplate('voko-notice', { locale: 'en', kind: 'claimed', agent: 'Scout', url: 'http://evil.test' })).toThrow(/must use https/)
+  })
+})
diff --git a/packages/voko-access/src/agent-access.js b/packages/voko-access/src/agent-access.js
index d8133ac..c067c50 100644
--- a/packages/voko-access/src/agent-access.js
+++ b/packages/voko-access/src/agent-access.js
@@ -15,9 +15,10 @@ export const API_KEY_PREFIX = 'vk_live_'
  *   agents: ReturnType<typeof import('@voko/exchange').createAgents>,
  *   grantStarter(ctx: object, trx: import('knex').Knex, input: { agent_id: string, wallet_user_id: string }): Promise<void>,
  *   public_url: string,
+ *   notifier: { sendAgentClaimed(ctx: object, input: { user_id: string, agent_name: string }): Promise<void> },
  * }} deps `grantStarter` 在认领事务内给新 Agent 的钱包发启动积分，必须按 agent_id 幂等。
  */
-export function createAgentAccess({ db, agents, grantStarter, public_url }) {
+export function createAgentAccess({ db, agents, grantStarter, public_url, notifier }) {
   if (typeof db !== 'function') throw new Error('createAgentAccess: db is required')
   if (typeof grantStarter !== 'function') throw new Error('createAgentAccess: grantStarter is required')
   if (typeof public_url !== 'string' || public_url === '') throw new Error('createAgentAccess: public_url is required')
@@ -72,7 +73,8 @@ export function createAgentAccess({ db, agents, grantStarter, public_url }) {
    */
   async function claim(ctx, { claim_token, user_id, verification_code, guild_id, role }) {
     const now = new Date()
-    return db.transaction(async (trx) => {
+    let fresh = false
+    const result = await db.transaction(async (trx) => {
       const claimRow = await trx('vk_agent_claims').where({ claim_token_hash: sha256(claim_token) }).forUpdate().first()
       if (claimRow === undefined) return refuse('NOT_FOUND', 'Claim link not found')
       if (claimRow.claimed_by_user_id !== null) {
@@ -115,8 +117,12 @@ export function createAgentAccess({ db, agents, grantStarter, public_url }) {
       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 })
+      fresh = true
       return { ok: true, agent }
     })
+    // 认领确认邮件在事务提交后发；重放的认领不再发。
+    if (result.ok && fresh) await notifier.sendAgentClaimed(ctx, { user_id, agent_name: result.agent.name })
+    return result
   }
 
   /**
diff --git a/packages/voko-access/src/db/tables/index.cjs b/packages/voko-access/src/db/tables/index.cjs
index d376981..4168b21 100644
--- a/packages/voko-access/src/db/tables/index.cjs
+++ b/packages/voko-access/src/db/tables/index.cjs
@@ -3,6 +3,7 @@ const tableModules = [
   require('./vk_agent_claims.cjs'),
   require('./vk_api_keys.cjs'),
   require('./vk_webhook_deliveries.cjs'),
+  require('./vk_owner_settings.cjs'),
 ]
 
 const targetTables = tableModules.map(({ tableName, buildTable }) => [tableName, buildTable])
diff --git a/packages/voko-access/src/db/tables/vk_owner_settings.cjs b/packages/voko-access/src/db/tables/vk_owner_settings.cjs
new file mode 100644
index 0000000..92e4fc7
--- /dev/null
+++ b/packages/voko-access/src/db/tables/vk_owner_settings.cjs
@@ -0,0 +1,14 @@
+const tableName = 'vk_owner_settings'
+
+function buildTable(t) {
+  t.string('user_id', 64).primary()
+  t.string('timezone', 64).notNullable()
+  t.tinyint('quiet_start_hour').unsigned().notNullable()
+  t.tinyint('quiet_end_hour').unsigned().notNullable()
+  t.boolean('email_help').notNullable()
+  t.boolean('email_digest').notNullable()
+  t.datetime('updated_at', { precision: 3 }).notNullable()
+  t.check('quiet_start_hour <= 23 and quiet_end_hour <= 23', [], 'ck_vk_owner_settings_hours')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-access/src/index.js b/packages/voko-access/src/index.js
index ef93521..b2d2276 100644
--- a/packages/voko-access/src/index.js
+++ b/packages/voko-access/src/index.js
@@ -9,4 +9,6 @@
 
 export { createAccessRequests, accessRequestFromRow, ACCESS_REQUEST_STATUSES } from './access-requests.js'
 export { createAgentAccess, MAX_AGENTS_PER_OWNER, API_KEY_PREFIX } from './agent-access.js'
+export { createOwnerSettings, DEFAULT_OWNER_SETTINGS } from './owner-settings.js'
+export { nextAllowedSendTime } from './quiet-hours.js'
 export { default as accessDbSchema } from './db/tables/index.cjs'
diff --git a/packages/voko-access/src/owner-settings.js b/packages/voko-access/src/owner-settings.js
new file mode 100644
index 0000000..9c3e8cb
--- /dev/null
+++ b/packages/voko-access/src/owner-settings.js
@@ -0,0 +1,37 @@
+const TABLE = 'vk_owner_settings'
+
+/** 没有保存过设置的主人使用的产品默认值：UTC、23:00–08:00 安静、两类邮件都开。 */
+export const DEFAULT_OWNER_SETTINGS = Object.freeze({ timezone: 'UTC', quiet_start_hour: 23, quiet_end_hour: 8, email_help: true, email_digest: true })
+
+/**
+ * @typedef {{ timezone: string, quiet_start_hour: number, quiet_end_hour: number, email_help: boolean, email_digest: boolean }} OwnerSettings
+ */
+
+/**
+ * 主人的通知设置：时区、安静时段、邮件开关。
+ * @param {{ db: import('knex').Knex }} deps
+ */
+export function createOwnerSettings({ db }) {
+  if (typeof db !== 'function') throw new Error('createOwnerSettings: db is required')
+
+  /**
+   * @param {object} _ctx
+   * @param {{ user_id: string }} input
+   * @returns {Promise<OwnerSettings>}
+   */
+  async function get(_ctx, { user_id }) {
+    const row = await db(TABLE).where({ user_id }).first()
+    if (row === undefined) return { ...DEFAULT_OWNER_SETTINGS }
+    return { timezone: row.timezone, quiet_start_hour: row.quiet_start_hour, quiet_end_hour: row.quiet_end_hour, email_help: row.email_help === 1, email_digest: row.email_digest === 1 }
+  }
+
+  /**
+   * @param {object} _ctx
+   * @param {{ user_id: string, settings: OwnerSettings }} input
+   */
+  async function save(_ctx, { user_id, settings }) {
+    await db(TABLE).insert({ user_id, ...settings, updated_at: new Date() }).onConflict('user_id').merge()
+  }
+
+  return { get, save }
+}
diff --git a/packages/voko-access/src/quiet-hours.js b/packages/voko-access/src/quiet-hours.js
new file mode 100644
index 0000000..78663fd
--- /dev/null
+++ b/packages/voko-access/src/quiet-hours.js
@@ -0,0 +1,18 @@
+/**
+ * 安静时段内的通知推迟到安静时段结束的整点；不在安静时段则立即发送。
+ * 起止相同表示没有安静时段。
+ * ponytail: 用「距结束还有几小时几分」推算，夏令时切换当晚会差一小时；要精确就换成按时区构造目标时刻。
+ *
+ * @param {Date} now
+ * @param {{ timezone: string, quiet_start_hour: number, quiet_end_hour: number }} settings
+ * @returns {Date}
+ */
+export function nextAllowedSendTime(now, { timezone, quiet_start_hour, quiet_end_hour }) {
+  const parts = new Intl.DateTimeFormat('en-US', { timeZone: timezone, hour: 'numeric', minute: 'numeric', second: 'numeric', hourCycle: 'h23' }).formatToParts(now)
+  const part = (/** @type {string} */ type) => Number(parts.find((item) => item.type === type).value)
+  const hour = part('hour')
+  const quiet = quiet_start_hour < quiet_end_hour ? hour >= quiet_start_hour && hour < quiet_end_hour : quiet_start_hour > quiet_end_hour && (hour >= quiet_start_hour || hour < quiet_end_hour)
+  if (!quiet) return now
+  const secondsLeft = ((quiet_end_hour - hour + 24) % 24) * 3600 - part('minute') * 60 - part('second')
+  return new Date(now.getTime() - now.getMilliseconds() + secondsLeft * 1000)
+}
diff --git a/packages/voko-access/test/quiet-hours.test.js b/packages/voko-access/test/quiet-hours.test.js
new file mode 100644
index 0000000..ff2e477
--- /dev/null
+++ b/packages/voko-access/test/quiet-hours.test.js
@@ -0,0 +1,28 @@
+import { describe, expect, it } from 'vitest'
+import { nextAllowedSendTime } from '../src/quiet-hours.js'
+
+const night = { timezone: 'Asia/Shanghai', quiet_start_hour: 23, quiet_end_hour: 8 }
+
+describe('安静时段', () => {
+  it('不在安静时段 → 立即', () => {
+    const now = new Date('2026-10-12T04:00:00.000Z') // 上海 12:00
+    expect(nextAllowedSendTime(now, night)).toBe(now)
+  })
+
+  it('跨午夜的安静时段：23:30 与 02:15 都推迟到当地 08:00', () => {
+    expect(nextAllowedSendTime(new Date('2026-10-12T15:30:00.000Z'), night)).toEqual(new Date('2026-10-13T00:00:00.000Z'))
+    expect(nextAllowedSendTime(new Date('2026-10-12T18:15:20.500Z'), night)).toEqual(new Date('2026-10-13T00:00:00.000Z'))
+  })
+
+  it('边界：23:00 整算安静，08:00 整不算', () => {
+    expect(nextAllowedSendTime(new Date('2026-10-12T15:00:00.000Z'), night)).toEqual(new Date('2026-10-13T00:00:00.000Z'))
+    const eight = new Date('2026-10-13T00:00:00.000Z')
+    expect(nextAllowedSendTime(eight, night)).toBe(eight)
+  })
+
+  it('不跨午夜的安静时段，以及起止相同表示不设安静时段', () => {
+    const noon = new Date('2026-10-12T12:30:00.000Z')
+    expect(nextAllowedSendTime(noon, { timezone: 'UTC', quiet_start_hour: 12, quiet_end_hour: 14 })).toEqual(new Date('2026-10-12T14:00:00.000Z'))
+    expect(nextAllowedSendTime(noon, { timezone: 'UTC', quiet_start_hour: 9, quiet_end_hour: 9 })).toBe(noon)
+  })
+})
diff --git a/packages/voko-clearing/src/db/tables/index.cjs b/packages/voko-clearing/src/db/tables/index.cjs
index 6ac3eae..9b6f7a4 100644
--- a/packages/voko-clearing/src/db/tables/index.cjs
+++ b/packages/voko-clearing/src/db/tables/index.cjs
@@ -1,6 +1,7 @@
 const tableModules = [
   require('./vk_escrows.cjs'),
   require('./vk_escrow_payouts.cjs'),
+  require('./vk_tips.cjs'),
 ]
 
 const targetTables = tableModules.map(({ tableName, buildTable }) => [tableName, buildTable])
diff --git a/packages/voko-clearing/src/db/tables/vk_tips.cjs b/packages/voko-clearing/src/db/tables/vk_tips.cjs
new file mode 100644
index 0000000..4654b69
--- /dev/null
+++ b/packages/voko-clearing/src/db/tables/vk_tips.cjs
@@ -0,0 +1,22 @@
+const tableName = 'vk_tips'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('task_id', 64).notNullable()
+  t.string('from_agent_id', 64).notNullable()
+  t.string('from_wallet', 64).notNullable()
+  t.string('to_wallet', 64).notNullable()
+  t.bigInteger('amount').notNullable()
+  t.string('out_ledger_id', 64).notNullable()
+  t.string('in_ledger_id', 64).notNullable()
+  t.string('client_request_key', 191).notNullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.unique(['from_agent_id', 'client_request_key'], { indexName: 'uq_vk_tips_sender_request' })
+  t.unique(['out_ledger_id'], { indexName: 'uq_vk_tips_out_ledger' })
+  t.unique(['in_ledger_id'], { indexName: 'uq_vk_tips_in_ledger' })
+  t.index(['task_id'], 'idx_vk_tips_task')
+  t.check('amount > 0', [], 'ck_vk_tips_amount')
+  t.check('from_wallet <> to_wallet', [], 'ck_vk_tips_parties')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-clearing/src/escrow.js b/packages/voko-clearing/src/escrow.js
index b940e2b..71149a6 100644
--- a/packages/voko-clearing/src/escrow.js
+++ b/packages/voko-clearing/src/escrow.js
@@ -130,7 +130,17 @@ export function createEscrow({ db }) {
     return -Number(row.spent)
   }
 
-  return { hold, topupExists, topup, refund, settle, walletOf, spentToday }
+  /**
+   * 钱包流水，最近的在前。
+   * @param {object} _ctx
+   * @param {{ wallet_user_id: string, limit: number }} input
+   * @returns {Promise<Array<{ id: string, type: string, amount: number, reason: string, ref_type: string|null, ref_id: string|null, created_at: Date }>>}
+   */
+  async function ledgerOf(_ctx, { wallet_user_id, limit }) {
+    return db('billing_ledger').where({ user_id: wallet_user_id }).orderBy([{ column: 'created_at', order: 'desc' }, { column: 'id', order: 'desc' }]).limit(limit).select('id', 'type', 'amount', 'reason', 'ref_type', 'ref_id', 'created_at')
+  }
+
+  return { hold, topupExists, topup, refund, settle, walletOf, ledgerOf, spentToday }
 }
 
 /**
diff --git a/packages/voko-clearing/src/index.js b/packages/voko-clearing/src/index.js
index 2a33729..f103fd5 100644
--- a/packages/voko-clearing/src/index.js
+++ b/packages/voko-clearing/src/index.js
@@ -1,10 +1,11 @@
 /**
  * `@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、结算与退回；打赏在 W4 加入。
+ * 托管的冻结、补扣、结算与退回，钱包余额与流水，打赏。
  *
  * 边界：不读 `process.env`、不建连接；db 由 composition root 注入。
  */
 
 export { createEscrow } from './escrow.js'
+export { createTips } from './tips.js'
 export { default as clearingDbSchema } from './db/tables/index.cjs'
diff --git a/packages/voko-clearing/src/tips.js b/packages/voko-clearing/src/tips.js
new file mode 100644
index 0000000..220e8fd
--- /dev/null
+++ b/packages/voko-clearing/src/tips.js
@@ -0,0 +1,49 @@
+import { randomUUID } from 'node:crypto'
+import { createBillingRepo, createLedger } from '@drama/billing'
+
+const TIPS = 'vk_tips'
+
+/**
+ * 打赏：任何成员可给已结算任务的赢家打赏，从自己的可用积分划转，不可撤回。
+ * 打赏人扣款与收款人入账在同一事务；余额不足时账本抛 INSUFFICIENT_BALANCE，事务回滚。
+ *
+ * @param {{ db: import('knex').Knex }} deps
+ */
+export function createTips({ db }) {
+  if (typeof db !== 'function') throw new Error('createTips: db is required')
+
+  /**
+   * @param {object} _ctx
+   * @param {{
+   *   task_id: string,
+   *   from_agent_id: string,
+   *   from_wallet: string,
+   *   amount: number,
+   *   client_request_key: string,
+   *   onSent(trx: import('knex').Knex, sent: { to_wallet: string }): Promise<void>,
+   * }} input `onSent` 在同一事务里执行（写事件）；重放时不再调用。
+   * @returns {Promise<{ ok: true, tip_id: string, replayed: boolean } | { ok: false, code: 'state_conflict'|'rule_violation', hint: string }>}
+   */
+  async function send(_ctx, { task_id, from_agent_id, from_wallet, amount, client_request_key, onSent }) {
+    return db.transaction(async (trx) => {
+      // 锁打赏人的钱包行：同一打赏人的打赏串行，重放在首个事务提交后读到已有记录。
+      await trx('users').where({ id: from_wallet }).forUpdate().first('id')
+      const existing = await trx(TIPS).where({ from_agent_id, client_request_key }).first('id')
+      if (existing !== undefined) return { ok: true, tip_id: existing.id, replayed: true }
+      const winner = await trx('vk_escrow_payouts').where({ task_id, kind: 'winner' }).first('recipient_wallet')
+      if (winner === undefined) return { ok: false, code: 'state_conflict', hint: 'Only settled tasks can be tipped.' }
+      const to_wallet = winner.recipient_wallet
+      if (to_wallet === from_wallet) return { ok: false, code: 'rule_violation', hint: 'You cannot tip yourself.' }
+      const id = `tp_${randomUUID()}`
+      const ledger = createLedger(createBillingRepo(db, trx))
+      const base = { amount, source: 'voko', reason: 'vk_tip', ref_type: 'vk_tip', ref_id: id }
+      const out = await ledger.deduct({ ...base, user_id: from_wallet, idempotency_key: `vk:tip:${id}:out` })
+      const received = await ledger.grant({ ...base, user_id: to_wallet, credit_kind: 'earned', idempotency_key: `vk:tip:${id}:in` })
+      await trx(TIPS).insert({ id, task_id, from_agent_id, from_wallet, to_wallet, amount, out_ledger_id: out.ledger_id, in_ledger_id: received.ledger_id, client_request_key, created_at: new Date() })
+      await onSent(trx, { to_wallet })
+      return { ok: true, tip_id: id, replayed: false }
+    })
+  }
+
+  return { send }
+}
diff --git a/packages/voko-exchange/src/agents.js b/packages/voko-exchange/src/agents.js
index 9ddf520..0988e6c 100644
--- a/packages/voko-exchange/src/agents.js
+++ b/packages/voko-exchange/src/agents.js
@@ -163,7 +163,19 @@ export function createAgents() {
     return (await runner(TABLE).where({ id: agent_id, owner_user_id }).update({ daily_spend_limit, updated_at: new Date() })) === 1
   }
 
-  return { insertPending, getById, activate, updateProfile, listByOwner, setStatus, setDailySpendLimit }
+  /**
+   * @param {object} _ctx
+   * @param {import('knex').Knex} runner
+   * @param {{ wallet_user_id: string }} input
+   * @returns {Promise<Agent>}
+   */
+  async function getByWallet(_ctx, runner, { wallet_user_id }) {
+    const row = await runner(TABLE).where({ wallet_user_id }).first()
+    if (row === undefined) throw new Error(`vk_agents row missing for wallet: ${wallet_user_id}`)
+    return agentFromRow(row)
+  }
+
+  return { insertPending, getById, getByWallet, activate, updateProfile, listByOwner, setStatus, setDailySpendLimit }
 }
 
 /**
diff --git a/packages/voko-exchange/src/events.js b/packages/voko-exchange/src/events.js
index fc2ad86..665ec8e 100644
--- a/packages/voko-exchange/src/events.js
+++ b/packages/voko-exchange/src/events.js
@@ -49,5 +49,15 @@ export function createEvents({ db }) {
     return after(agent, since)
   }
 
-  return { pullUnread, listSince }
+  /**
+   * 在调用方的事务里写一条事件（任务状态机之外的来源，如打赏）。
+   * @param {object} _ctx
+   * @param {import('knex').Knex} trx
+   * @param {{ guild_id: string, task_id: string, type: string, target_agent_id: string|null }} input
+   */
+  async function emit(_ctx, trx, { guild_id, task_id, type, target_agent_id }) {
+    await trx(EVENTS).insert({ guild_id, target_agent_id, type, task_id, payload: '{}', created_at: new Date() })
+  }
+
+  return { pullUnread, listSince, emit }
 }
diff --git a/packages/voko-exchange/src/help.js b/packages/voko-exchange/src/help.js
new file mode 100644
index 0000000..e2b6bc4
--- /dev/null
+++ b/packages/voko-exchange/src/help.js
@@ -0,0 +1,127 @@
+import { randomUUID } from 'node:crypto'
+
+import { taskFromRow } from './task.js'
+import { insertEvent, insertJob } from './tasks.js'
+
+const HELP = 'vk_help_requests'
+
+/**
+ * 求助主人：Agent 卡住时提问，主人在网页收件箱回复，Agent 下次 `/home` 拿到答复。
+ *
+ * @param {{
+ *   db: import('knex').Knex,
+ *   sendAfter(ctx: object, input: { user_id: string, now: Date }): Promise<Date|null>,
+ *   mailer: { sendHelp(ctx: object, input: { user_id: string, agent_name: string, task_title: string, question: string }): Promise<void> },
+ * }} deps `sendAfter` 给出通知主人的时刻（安静时段内推迟），主人关闭了求助邮件时返回 null。
+ */
+export function createHelp({ db, sendAfter, mailer }) {
+  if (typeof db !== 'function') throw new Error('createHelp: db is required')
+
+  /**
+   * @param {object} ctx
+   * @param {{ agent: import('./agents.js').Agent, task_id: string, question: string }} input
+   * @returns {Promise<{ ok: true, help_id: string } | { ok: false, code: 'not_found'|'forbidden'|'state_conflict', hint: string }>}
+   */
+  async function request(ctx, { agent, task_id, question }) {
+    const now = new Date()
+    const owner = /** @type {string} */ (agent.owner_user_id)
+    const notifyAt = await sendAfter(ctx, { user_id: owner, now })
+    return db.transaction(async (trx) => {
+      const row = await trx('vk_tasks').where({ id: task_id }).forUpdate().first()
+      if (row === undefined) return refuse('not_found', `Task not found: ${task_id}`)
+      const task = taskFromRow(row)
+      if (task.holder_agent_id !== agent.id) return refuse('forbidden', 'Only the current holder can ask for help on a task.')
+      switch (task.status) {
+        case 'claimed':
+        case 'rework':
+          break
+        case 'pending_approval':
+        case 'open':
+        case 'in_contest':
+        case 'submitted':
+        case 'reviewing':
+        case 'disputed':
+        case 'settled':
+        case 'cancelled':
+        case 'refunded':
+          return refuse('state_conflict', `Task is ${task.status}; help is for work in progress.`)
+        default:
+          throw new Error(`Unhandled status: ${task.status}, id: ${task.id}`)
+      }
+      const id = `hp_${randomUUID()}`
+      await trx(HELP).insert({ id, task_id, agent_id: agent.id, owner_user_id: owner, question, status: 'open', created_at: now })
+      await insertEvent(trx, task, 'help.requested', null, now)
+      if (notifyAt !== null) await insertJob(trx, id, 'help_notify', notifyAt, now)
+      return { ok: true, help_id: id }
+    })
+  }
+
+  /**
+   * worker：给主人发求助邮件；已经回复过的不再打扰。
+   * @param {object} ctx
+   * @param {{ help_id: string }} input
+   */
+  async function notify(ctx, { help_id }) {
+    const help = await db(HELP).where({ id: help_id }).first()
+    if (help === undefined) throw new Error(`vk_help_requests row missing, id: ${help_id}`)
+    if (help.status !== 'open') return
+    const [agent, task] = await Promise.all([db('vk_agents').where({ id: help.agent_id }).first('name'), db('vk_tasks').where({ id: help.task_id }).first('title')])
+    await mailer.sendHelp(ctx, { user_id: help.owner_user_id, agent_name: agent.name, task_title: task.title, question: help.question })
+  }
+
+  /**
+   * 主人的求助收件箱：未回复的在前。
+   * @param {object} _ctx
+   * @param {{ user_id: string }} input
+   */
+  async function listForOwner(_ctx, { user_id }) {
+    return db(`${HELP} as h`)
+      .join('vk_agents as a', 'a.id', 'h.agent_id')
+      .join('vk_tasks as t', 't.id', 'h.task_id')
+      .where('h.owner_user_id', user_id)
+      .orderBy([{ column: 'h.status', order: 'desc' }, { column: 'h.created_at', order: 'desc' }])
+      .limit(100)
+      .select('h.id', 'h.task_id', 'h.agent_id', 'h.question', 'h.status', 'h.answer', 'h.answered_at', 'h.created_at', 'a.name as agent_name', 't.title as task_title')
+  }
+
+  /**
+   * 主人回复。只能回复自己名下 Agent 的、尚未回复的求助。
+   * @param {object} _ctx
+   * @param {{ user_id: string, help_id: string, answer: string }} input
+   * @returns {Promise<{ ok: true } | { ok: false, code: 'not_found'|'state_conflict', hint: string }>}
+   */
+  async function answer(_ctx, { user_id, help_id, answer: text }) {
+    const now = new Date()
+    return db.transaction(async (trx) => {
+      const help = await trx(HELP).where({ id: help_id, owner_user_id: user_id }).forUpdate().first()
+      if (help === undefined) return refuse('not_found', `Help request not found: ${help_id}`)
+      if (help.status !== 'open') return refuse('state_conflict', 'This help request has already been answered.')
+      await trx(HELP).where({ id: help_id }).update({ status: 'answered', answer: text, answered_at: now })
+      const task = taskFromRow(await trx('vk_tasks').where({ id: help.task_id }).first())
+      await insertEvent(trx, task, 'help.answered', help.agent_id, now)
+      return { ok: true }
+    })
+  }
+
+  /**
+   * `/home` 用：这个 Agent 最近收到的答复。
+   * @param {object} _ctx
+   * @param {{ agent_id: string }} input
+   * @returns {Promise<Array<{ id: string, task_id: string, question: string, answer: string, answered_at: Date }>>}
+   */
+  async function answersFor(_ctx, { agent_id }) {
+    return db(HELP).where({ agent_id, status: 'answered' }).orderBy('answered_at', 'desc').limit(10).select('id', 'task_id', 'question', 'answer', 'answered_at')
+  }
+
+  return { request, notify, listForOwner, answer, answersFor }
+}
+
+/**
+ * @template {string} C
+ * @param {C} code
+ * @param {string} hint
+ * @returns {{ ok: false, code: C, hint: string }}
+ */
+function refuse(code, hint) {
+  return { ok: false, code, hint }
+}
diff --git a/packages/voko-exchange/src/index.js b/packages/voko-exchange/src/index.js
index 12c1661..a2175dd 100644
--- a/packages/voko-exchange/src/index.js
+++ b/packages/voko-exchange/src/index.js
@@ -11,6 +11,7 @@ export { createGuilds } from './guilds.js'
 export { createTasks } from './tasks.js'
 export { createEvents } from './events.js'
 export { createJobs } from './jobs.js'
+export { createHelp } from './help.js'
 export { createJudge } from './judge.js'
 export { rarityForReward, maxRarityForLevel } from './rarity.js'
 export { taskFromRow, TASK_STATUSES, TASK_TEMPLATES } from './task.js'
diff --git a/packages/voko-exchange/src/jobs.js b/packages/voko-exchange/src/jobs.js
index e1453b8..f63671e 100644
--- a/packages/voko-exchange/src/jobs.js
+++ b/packages/voko-exchange/src/jobs.js
@@ -21,10 +21,11 @@ const WARN_KINDS = Object.freeze(['checkpoint_warn', 'review_warn'])
  *     autoSelectWinner(ctx: object, input: { task_id: string }): Promise<void>,
  *     arbitrate(ctx: object, input: { task_id: string }): Promise<void>,
  *   },
+ *   help: { notify(ctx: object, input: { help_id: string }): Promise<void> },
  *   logger: { error(message: string, fields: object): void },
  * }} deps
  */
-export function createJobs({ db, tasks, logger }) {
+export function createJobs({ db, tasks, help, logger }) {
   if (typeof db !== 'function') throw new Error('createJobs: db is required')
 
   /**
@@ -84,6 +85,7 @@ export function createJobs({ db, tasks, logger }) {
       return void await tasks.actAsWorker(ctx, { task_id, action: { type: 'review_auto_accept', winner_agent_id: null } })
     }
     if (job.kind === 'dispute_arbitrate') return tasks.arbitrate(ctx, { task_id })
+    if (job.kind === 'help_notify') return help.notify(ctx, { help_id: job.ref_id })
     // 其余类型（Webhook、日报、对账）在 W4 接入。
     throw new Error(`Unhandled job kind: ${job.kind}, id: ${job.id}`)
   }
diff --git a/packages/voko-exchange/src/tasks.js b/packages/voko-exchange/src/tasks.js
index 2d8ea24..5487c0a 100644
--- a/packages/voko-exchange/src/tasks.js
+++ b/packages/voko-exchange/src/tasks.js
@@ -691,19 +691,19 @@ async function acceptanceOf(runner, task_id) {
  * @param {string|null} target_agent_id null 表示发给整个公会
  * @param {Date} now
  */
-async function insertEvent(trx, task, type, target_agent_id, now) {
+export async function insertEvent(trx, task, type, target_agent_id, now) {
   await trx(EVENTS).insert({ guild_id: task.guild_id, target_agent_id, type, task_id: task.id, payload: '{}', created_at: now })
 }
 
 /**
- * 同一任务同一类型同一时刻的 job 只排一条（dedupe_key UNIQUE）。
+ * 同一对象同一类型同一时刻的 job 只排一条（dedupe_key UNIQUE）。
  * @param {import('knex').Knex} trx
- * @param {string} task_id
+ * @param {string} task_id job 的 ref_id：任务类 job 是任务 id，求助通知是求助 id
  * @param {string} kind
  * @param {Date} run_at
  * @param {Date} now
  */
-async function insertJob(trx, task_id, kind, run_at, now) {
+export async function insertJob(trx, task_id, kind, run_at, now) {
   await trx(JOBS)
     .insert({ id: `j_${randomUUID()}`, kind, ref_id: task_id, run_at, status: 'pending', attempts: 0, dedupe_key: `${kind}:${task_id}:${run_at.toISOString()}`, created_at: now })
     .onConflict('dedupe_key')