diff --git a/apps/voko-server/package.json b/apps/voko-server/package.json
index 7c0c3a3..7f09913 100644
--- a/apps/voko-server/package.json
+++ b/apps/voko-server/package.json
@@ -23,6 +23,8 @@
     "@drama/observability": "workspace:*",
     "@drama/server-kit": "workspace:*",
     "@voko/access": "workspace:*",
+    "@voko/clearing": "workspace:*",
+    "@voko/exchange": "workspace:*",
     "dotenv": "16.6.1",
     "fastify": "^5.1.0",
     "googleapis": "^173.0.0",
diff --git a/apps/voko-server/src/db/migrations/202610100001_vk_core_tables.js b/apps/voko-server/src/db/migrations/202610100001_vk_core_tables.js
new file mode 100644
index 0000000..d066a77
--- /dev/null
+++ b/apps/voko-server/src/db/migrations/202610100001_vk_core_tables.js
@@ -0,0 +1,376 @@
+/** Alpha 的 22 张 vk_ 业务表（SDD「数据模型」）；与各包 tables/*.cjs 的当前结构逐字一致。 */
+export async function up(db) {
+  await db.schema.createTable('vk_guilds', (t) => {
+    t.string('id', 64).primary()
+    t.string('name', 120).notNullable()
+    t.string('slug', 64).notNullable()
+    t.string('lead_user_id', 64).notNullable()
+    t.string('company_agent_id', 64).nullable()
+    t.boolean('require_lead_approval').notNullable()
+    t.integer('checkpoint_interval_sec').unsigned().notNullable().defaultTo(21600)
+    t.integer('piece_review_window_sec').unsigned().notNullable().defaultTo(86400)
+    t.integer('contest_review_window_sec').unsigned().notNullable().defaultTo(259200)
+    t.integer('transfer_ttl_sec').unsigned().notNullable().defaultTo(86400)
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.datetime('updated_at', { precision: 3 }).nullable()
+    t.unique(['slug'], { indexName: 'uq_vk_guilds_slug' })
+    t.check('checkpoint_interval_sec > 0 and piece_review_window_sec > 0 and contest_review_window_sec > 0 and transfer_ttl_sec > 0', [], 'ck_vk_guilds_windows')
+  })
+
+  await db.schema.createTable('vk_guild_members', (t) => {
+    t.string('id', 64).primary()
+    t.string('guild_id', 64).notNullable()
+    t.string('user_id', 64).notNullable()
+    t.string('role', 16).notNullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.unique(['guild_id', 'user_id'], { indexName: 'uq_vk_guild_members_guild_user' })
+    t.index(['user_id'], 'idx_vk_guild_members_user')
+    t.check("role in ('lead','member')", [], 'ck_vk_guild_members_role')
+  })
+
+  await db.schema.createTable('vk_agents', (t) => {
+    t.string('id', 64).primary()
+    t.string('wallet_user_id', 64).notNullable()
+    t.string('owner_user_id', 64).nullable()
+    t.string('guild_id', 64).nullable()
+    t.string('role', 16).notNullable()
+    t.string('status', 16).notNullable()
+    t.string('name', 120).notNullable()
+    t.string('description', 1000).nullable()
+    t.json('skills').notNullable()
+    t.string('owner_email', 320).nullable()
+    t.integer('level').unsigned().notNullable()
+    t.bigInteger('xp').unsigned().notNullable()
+    t.string('webhook_url', 2048).nullable()
+    t.text('webhook_secret_enc').nullable()
+    t.bigInteger('daily_spend_limit').nullable()
+    t.bigInteger('events_cursor').unsigned().notNullable()
+    t.datetime('claimed_at', { precision: 3 }).nullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.datetime('updated_at', { precision: 3 }).nullable()
+    t.unique(['wallet_user_id'], { indexName: 'uq_vk_agents_wallet' })
+    t.index(['owner_user_id'], 'idx_vk_agents_owner')
+    t.index(['guild_id', 'status'], 'idx_vk_agents_guild_status')
+    t.check("role in ('company','member')", [], 'ck_vk_agents_role')
+    t.check("status in ('pending_claim','active','suspended')", [], 'ck_vk_agents_status')
+    t.check("(status = 'pending_claim' and owner_user_id is null and claimed_at is null and guild_id is null) or (status <> 'pending_claim' and owner_user_id is not null and claimed_at is not null and guild_id is not null)", [], 'ck_vk_agents_claim')
+    t.check('(webhook_url is null) = (webhook_secret_enc is null)', [], 'ck_vk_agents_webhook_pair')
+    t.check('level >= 1', [], 'ck_vk_agents_level')
+    t.check('daily_spend_limit is null or daily_spend_limit >= 0', [], 'ck_vk_agents_daily_spend_limit')
+  })
+
+  await db.schema.createTable('vk_tasks', (t) => {
+    t.string('id', 64).primary()
+    t.string('guild_id', 64).notNullable()
+    t.string('publisher_agent_id', 64).notNullable()
+    t.string('template', 16).notNullable()
+    t.string('title', 200).notNullable()
+    t.text('spec').notNullable()
+    t.bigInteger('reward').notNullable()
+    t.tinyint('rarity').unsigned().notNullable()
+    t.datetime('deadline_at', { precision: 3 }).notNullable()
+    t.string('status', 24).notNullable()
+    t.string('client_request_key', 191).notNullable()
+    t.string('holder_agent_id', 64).nullable()
+    t.datetime('next_checkpoint_due_at', { precision: 3 }).nullable()
+    t.tinyint('missed_checkpoints').unsigned().notNullable()
+    t.tinyint('rework_count').unsigned().notNullable()
+    t.datetime('review_due_at', { precision: 3 }).nullable()
+    t.datetime('settled_at', { precision: 3 }).nullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.datetime('updated_at', { precision: 3 }).nullable()
+    t.unique(['publisher_agent_id', 'client_request_key'], { indexName: 'uq_vk_tasks_publisher_request' })
+    t.index(['guild_id', 'status', 'deadline_at'], 'idx_vk_tasks_board')
+    t.index(['publisher_agent_id', 'status'], 'idx_vk_tasks_publisher_status')
+    t.index(['holder_agent_id', 'status'], 'idx_vk_tasks_holder_status')
+    t.check("template in ('piecework','contest')", [], 'ck_vk_tasks_template')
+    t.check("status in ('pending_approval','open','claimed','in_contest','submitted','reviewing','rework','disputed','settled','cancelled','refunded')", [], 'ck_vk_tasks_status')
+    t.check('reward > 0', [], 'ck_vk_tasks_reward')
+    t.check('rarity between 1 and 10', [], 'ck_vk_tasks_rarity')
+    t.check('rework_count <= 2', [], 'ck_vk_tasks_rework_count')
+    t.check("status not in ('claimed','submitted','rework') or template = 'piecework'", [], 'ck_vk_tasks_piecework_status')
+    t.check("status not in ('in_contest','reviewing') or template = 'contest'", [], 'ck_vk_tasks_contest_status')
+    t.check("template <> 'contest' or holder_agent_id is null", [], 'ck_vk_tasks_contest_holder')
+    t.check("status <> 'claimed' or (holder_agent_id is not null and next_checkpoint_due_at is not null)", [], 'ck_vk_tasks_claimed')
+    t.check("status not in ('submitted','reviewing') or review_due_at is not null", [], 'ck_vk_tasks_review_due')
+    t.check("status <> 'settled' or settled_at is not null", [], 'ck_vk_tasks_settled')
+  })
+
+  await db.schema.createTable('vk_task_acceptance_items', (t) => {
+    t.string('task_id', 64).notNullable()
+    t.string('item_key', 32).notNullable()
+    t.tinyint('ordinal').unsigned().notNullable()
+    t.string('text', 1000).notNullable()
+    t.primary(['task_id', 'item_key'])
+    t.unique(['task_id', 'ordinal'], { indexName: 'uq_vk_task_acceptance_items_ordinal' })
+    t.check('ordinal between 1 and 5', [], 'ck_vk_task_acceptance_items_ordinal')
+  })
+
+  await db.schema.createTable('vk_task_holds', (t) => {
+    t.string('id', 64).primary()
+    t.string('task_id', 64).notNullable()
+    t.string('agent_id', 64).notNullable()
+    t.datetime('started_at', { precision: 3 }).notNullable()
+    t.datetime('ended_at', { precision: 3 }).nullable()
+    t.string('end_reason', 16).nullable()
+    t.boolean('has_valid_checkpoint').notNullable()
+    t.specificType('open_task_id', 'varchar(64) GENERATED ALWAYS AS (CASE WHEN ended_at IS NULL THEN task_id ELSE NULL END) STORED')
+    t.unique(['open_task_id'], { indexName: 'uq_vk_task_holds_open_task' })
+    t.index(['task_id', 'started_at'], 'idx_vk_task_holds_task')
+    t.index(['agent_id', 'ended_at'], 'idx_vk_task_holds_agent')
+    t.check("end_reason in ('submitted','released','timeout','transferred')", [], 'ck_vk_task_holds_end_reason')
+    t.check('(ended_at is null) = (end_reason is null)', [], 'ck_vk_task_holds_end_pair')
+  })
+
+  await db.schema.createTable('vk_task_entries', (t) => {
+    t.string('id', 64).primary()
+    t.string('task_id', 64).notNullable()
+    t.string('agent_id', 64).notNullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.unique(['task_id', 'agent_id'], { indexName: 'uq_vk_task_entries_task_agent' })
+    t.index(['agent_id'], 'idx_vk_task_entries_agent')
+  })
+
+  await db.schema.createTable('vk_checkpoints', (t) => {
+    t.string('id', 64).primary()
+    t.string('task_id', 64).notNullable()
+    t.string('hold_id', 64).notNullable()
+    t.string('agent_id', 64).notNullable()
+    t.tinyint('progress').unsigned().notNullable()
+    t.string('note', 2000).nullable()
+    t.json('links').notNullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.index(['task_id', 'created_at'], 'idx_vk_checkpoints_task')
+    t.index(['hold_id'], 'idx_vk_checkpoints_hold')
+    t.check('progress <= 100', [], 'ck_vk_checkpoints_progress')
+  })
+
+  await db.schema.createTable('vk_submissions', (t) => {
+    t.string('id', 64).primary()
+    t.string('task_id', 64).notNullable()
+    t.string('agent_id', 64).notNullable()
+    t.tinyint('round').unsigned().notNullable()
+    t.text('summary').notNullable()
+    t.json('artifacts').notNullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.unique(['task_id', 'agent_id', 'round'], { indexName: 'uq_vk_submissions_task_agent_round' })
+    t.check('round between 1 and 3', [], 'ck_vk_submissions_round')
+  })
+
+  await db.schema.createTable('vk_reviews', (t) => {
+    t.string('id', 64).primary()
+    t.string('task_id', 64).notNullable()
+    t.string('submission_id', 64).notNullable()
+    t.string('reviewer_kind', 16).notNullable()
+    t.string('action', 16).notNullable()
+    t.text('reason').nullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.index(['task_id', 'created_at'], 'idx_vk_reviews_task')
+    t.index(['submission_id'], 'idx_vk_reviews_submission')
+    t.check("reviewer_kind in ('publisher','auto','arbitration')", [], 'ck_vk_reviews_reviewer_kind')
+    t.check("action in ('accept','reject','select_winner')", [], 'ck_vk_reviews_action')
+  })
+
+  await db.schema.createTable('vk_review_checks', (t) => {
+    t.string('review_id', 64).notNullable()
+    t.string('item_key', 32).notNullable()
+    t.boolean('pass').notNullable()
+    t.string('reason', 1000).notNullable()
+    t.primary(['review_id', 'item_key'])
+  })
+
+  await db.schema.createTable('vk_disputes', (t) => {
+    t.string('id', 64).primary()
+    t.string('task_id', 64).notNullable()
+    t.string('opened_by_agent_id', 64).notNullable()
+    t.string('status', 16).notNullable()
+    t.json('ai_proposal').nullable()
+    t.json('resolution').nullable()
+    t.string('resolved_by_user_id', 64).nullable()
+    t.datetime('resolved_at', { precision: 3 }).nullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.specificType('open_task_id', "varchar(64) GENERATED ALWAYS AS (CASE WHEN status <> 'resolved' THEN task_id ELSE NULL END) STORED")
+    t.unique(['open_task_id'], { indexName: 'uq_vk_disputes_open_task' })
+    t.index(['task_id'], 'idx_vk_disputes_task')
+    t.index(['status', 'created_at'], 'idx_vk_disputes_queue')
+    t.check("status in ('open','ai_proposed','resolved')", [], 'ck_vk_disputes_status')
+    t.check("status <> 'ai_proposed' or ai_proposal is not null", [], 'ck_vk_disputes_ai_proposal')
+    t.check("(status <> 'resolved' and resolution is null and resolved_by_user_id is null and resolved_at is null) or (status = 'resolved' and resolution is not null and resolved_by_user_id is not null and resolved_at is not null)", [], 'ck_vk_disputes_resolution')
+  })
+
+  await db.schema.createTable('vk_transfers', (t) => {
+    t.string('id', 64).primary()
+    t.string('task_id', 64).notNullable()
+    t.string('from_agent_id', 64).notNullable()
+    t.string('to_agent_id', 64).notNullable()
+    t.string('status', 16).notNullable()
+    t.datetime('expires_at', { precision: 3 }).notNullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.datetime('resolved_at', { precision: 3 }).nullable()
+    t.specificType('pending_task_id', "varchar(64) GENERATED ALWAYS AS (CASE WHEN status = 'pending' THEN task_id ELSE NULL END) STORED")
+    t.unique(['pending_task_id'], { indexName: 'uq_vk_transfers_pending_task' })
+    t.index(['task_id'], 'idx_vk_transfers_task')
+    t.index(['to_agent_id', 'status'], 'idx_vk_transfers_to_agent')
+    t.check("status in ('pending','accepted','declined','expired')", [], 'ck_vk_transfers_status')
+    t.check("(status = 'pending') = (resolved_at is null)", [], 'ck_vk_transfers_resolved')
+    t.check('from_agent_id <> to_agent_id', [], 'ck_vk_transfers_parties')
+  })
+
+  await db.schema.createTable('vk_help_requests', (t) => {
+    t.string('id', 64).primary()
+    t.string('task_id', 64).notNullable()
+    t.string('agent_id', 64).notNullable()
+    t.string('owner_user_id', 64).notNullable()
+    t.text('question').notNullable()
+    t.string('status', 16).notNullable()
+    t.text('answer').nullable()
+    t.datetime('answered_at', { precision: 3 }).nullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.index(['owner_user_id', 'status', 'created_at'], 'idx_vk_help_requests_inbox')
+    t.index(['task_id'], 'idx_vk_help_requests_task')
+    t.index(['agent_id', 'status'], 'idx_vk_help_requests_agent')
+    t.check("status in ('open','answered')", [], 'ck_vk_help_requests_status')
+    t.check("(status = 'open' and answer is null and answered_at is null) or (status = 'answered' and answer is not null and answered_at is not null)", [], 'ck_vk_help_requests_answer')
+  })
+
+  await db.schema.createTable('vk_comments', (t) => {
+    t.string('id', 64).primary()
+    t.string('task_id', 64).notNullable()
+    t.string('author_agent_id', 64).notNullable()
+    t.text('body').notNullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.index(['task_id', 'created_at', 'id'], 'idx_vk_comments_task')
+  })
+
+  await db.schema.createTable('vk_events', (t) => {
+    t.bigIncrements('id').unsigned().primary()
+    t.string('guild_id', 64).notNullable()
+    t.string('target_agent_id', 64).nullable()
+    t.string('type', 64).notNullable()
+    t.string('task_id', 64).nullable()
+    t.json('payload').notNullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.index(['target_agent_id', 'id'], 'idx_vk_events_target')
+    t.index(['guild_id', 'id'], 'idx_vk_events_guild')
+    t.index(['task_id', 'id'], 'idx_vk_events_task')
+  })
+
+  await db.schema.createTable('vk_jobs', (t) => {
+    t.string('id', 64).primary()
+    t.string('kind', 32).notNullable()
+    t.string('ref_id', 64).nullable()
+    t.datetime('run_at', { precision: 3 }).notNullable()
+    t.string('status', 16).notNullable()
+    t.datetime('lease_until', { precision: 3 }).nullable()
+    t.tinyint('attempts').unsigned().notNullable()
+    t.string('dedupe_key', 191).notNullable()
+    t.text('last_error').nullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.datetime('updated_at', { precision: 3 }).nullable()
+    t.unique(['dedupe_key'], { indexName: 'uq_vk_jobs_dedupe' })
+    t.index(['status', 'run_at'], 'idx_vk_jobs_due')
+    t.check("status in ('pending','running','done','failed')", [], 'ck_vk_jobs_status')
+    t.check("status <> 'running' or lease_until is not null", [], 'ck_vk_jobs_lease')
+  })
+
+  await db.schema.createTable('vk_escrows', (t) => {
+    t.string('id', 64).primary()
+    t.string('task_id', 64).notNullable()
+    t.string('payer_wallet', 64).notNullable()
+    t.bigInteger('amount').notNullable()
+    t.string('status', 16).notNullable()
+    t.string('deduct_ledger_id', 64).notNullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.datetime('closed_at', { precision: 3 }).nullable()
+    t.unique(['task_id'], { indexName: 'uq_vk_escrows_task' })
+    t.unique(['deduct_ledger_id'], { indexName: 'uq_vk_escrows_deduct_ledger' })
+    t.index(['payer_wallet', 'status'], 'idx_vk_escrows_payer_status')
+    t.check("status in ('held','released','refunded')", [], 'ck_vk_escrows_status')
+    t.check('amount > 0', [], 'ck_vk_escrows_amount')
+    t.check("(status = 'held') = (closed_at is null)", [], 'ck_vk_escrows_closed')
+  })
+
+  await db.schema.createTable('vk_escrow_payouts', (t) => {
+    t.string('id', 64).primary()
+    t.string('escrow_id', 64).notNullable()
+    t.string('task_id', 64).notNullable()
+    t.string('recipient_wallet', 64).notNullable()
+    t.bigInteger('amount').notNullable()
+    t.string('kind', 16).notNullable()
+    t.string('ledger_id', 64).notNullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.unique(['escrow_id', 'recipient_wallet', 'kind'], { indexName: 'uq_vk_escrow_payouts_recipient_kind' })
+    t.unique(['ledger_id'], { indexName: 'uq_vk_escrow_payouts_ledger' })
+    t.index(['task_id'], 'idx_vk_escrow_payouts_task')
+    t.check("kind in ('winner','relay_share','refund')", [], 'ck_vk_escrow_payouts_kind')
+    t.check('amount > 0', [], 'ck_vk_escrow_payouts_amount')
+  })
+
+  await db.schema.createTable('vk_agent_claims', (t) => {
+    t.string('id', 64).primary()
+    t.string('agent_id', 64).notNullable()
+    t.string('claim_token_hash', 64).notNullable()
+    t.string('verification_code', 16).notNullable()
+    t.datetime('expires_at', { precision: 3 }).notNullable()
+    t.string('claimed_by_user_id', 64).nullable()
+    t.datetime('claimed_at', { precision: 3 }).nullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.unique(['claim_token_hash'], { indexName: 'uq_vk_agent_claims_token' })
+    t.unique(['agent_id'], { indexName: 'uq_vk_agent_claims_agent' })
+    t.check('(claimed_by_user_id is null) = (claimed_at is null)', [], 'ck_vk_agent_claims_claimed_pair')
+  })
+
+  await db.schema.createTable('vk_api_keys', (t) => {
+    t.string('id', 64).primary()
+    t.string('agent_id', 64).notNullable()
+    t.string('key_hash', 64).notNullable()
+    t.string('key_prefix', 16).notNullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.datetime('revoked_at', { precision: 3 }).nullable()
+    t.specificType('active_agent_id', 'varchar(64) GENERATED ALWAYS AS (CASE WHEN revoked_at IS NULL THEN agent_id ELSE NULL END) STORED')
+    t.unique(['key_hash'], { indexName: 'uq_vk_api_keys_hash' })
+    t.unique(['active_agent_id'], { indexName: 'uq_vk_api_keys_active_agent' })
+    t.index(['agent_id'], 'idx_vk_api_keys_agent')
+  })
+
+  await db.schema.createTable('vk_webhook_deliveries', (t) => {
+    t.string('id', 64).primary()
+    t.bigInteger('event_id').unsigned().notNullable()
+    t.string('agent_id', 64).notNullable()
+    t.string('status', 16).notNullable()
+    t.tinyint('attempts').unsigned().notNullable()
+    t.datetime('next_attempt_at', { precision: 3 }).nullable()
+    t.datetime('created_at', { precision: 3 }).notNullable()
+    t.datetime('delivered_at', { precision: 3 }).nullable()
+    t.unique(['event_id', 'agent_id'], { indexName: 'uq_vk_webhook_deliveries_event_agent' })
+    t.index(['status', 'next_attempt_at'], 'idx_vk_webhook_deliveries_due')
+    t.check("status in ('pending','delivered','failed')", [], 'ck_vk_webhook_deliveries_status')
+    t.check("(status = 'pending') = (next_attempt_at is not null)", [], 'ck_vk_webhook_deliveries_next_attempt')
+    t.check("(status = 'delivered') = (delivered_at is not null)", [], 'ck_vk_webhook_deliveries_delivered')
+  })
+}
+
+export async function down(db) {
+  await db.schema.dropTable('vk_webhook_deliveries')
+  await db.schema.dropTable('vk_api_keys')
+  await db.schema.dropTable('vk_agent_claims')
+  await db.schema.dropTable('vk_escrow_payouts')
+  await db.schema.dropTable('vk_escrows')
+  await db.schema.dropTable('vk_jobs')
+  await db.schema.dropTable('vk_events')
+  await db.schema.dropTable('vk_comments')
+  await db.schema.dropTable('vk_help_requests')
+  await db.schema.dropTable('vk_transfers')
+  await db.schema.dropTable('vk_disputes')
+  await db.schema.dropTable('vk_review_checks')
+  await db.schema.dropTable('vk_reviews')
+  await db.schema.dropTable('vk_submissions')
+  await db.schema.dropTable('vk_checkpoints')
+  await db.schema.dropTable('vk_task_entries')
+  await db.schema.dropTable('vk_task_holds')
+  await db.schema.dropTable('vk_task_acceptance_items')
+  await db.schema.dropTable('vk_tasks')
+  await db.schema.dropTable('vk_agents')
+  await db.schema.dropTable('vk_guild_members')
+  await db.schema.dropTable('vk_guilds')
+}
diff --git a/apps/voko-server/src/db/migrations/202610100002_access_request_agent_count.js b/apps/voko-server/src/db/migrations/202610100002_access_request_agent_count.js
new file mode 100644
index 0000000..db5a40e
--- /dev/null
+++ b/apps/voko-server/src/db/migrations/202610100002_access_request_agent_count.js
@@ -0,0 +1,14 @@
+/** 一人最多认领 3 个 Agent：计数列 + CHECK，认领事务里自增，超出由 DB 拒绝。 */
+const TABLE = 'vk_access_requests'
+
+export async function up(db) {
+  await db.schema.alterTable(TABLE, (t) => {
+    t.tinyint('claimed_agent_count').unsigned().notNullable().defaultTo(0)
+    t.check("claimed_agent_count <= 3 and (status = 'approved' or claimed_agent_count = 0)", [], 'ck_vk_access_requests_agent_count')
+  })
+}
+
+export async function down(db) {
+  await db.raw('ALTER TABLE ?? DROP CHECK ??', [TABLE, 'ck_vk_access_requests_agent_count'])
+  await db.schema.alterTable(TABLE, (t) => t.dropColumn('claimed_agent_count'))
+}
diff --git a/apps/voko-server/src/db/schema.js b/apps/voko-server/src/db/schema.js
index 4a8359a..0bfd4c4 100644
--- a/apps/voko-server/src/db/schema.js
+++ b/apps/voko-server/src/db/schema.js
@@ -3,6 +3,8 @@ import { billingDbSchema } from '@drama/billing'
 import { dbSchema } from '@drama/db'
 import { emailDbSchema } from '@drama/email'
 import { accessDbSchema } from '@voko/access'
+import { clearingDbSchema } from '@voko/clearing'
+import { exchangeDbSchema } from '@voko/exchange'
 
 /** voko 库的当前完整结构（新空库 init 时按此建表）。 */
 export const vokoTargetTables = [
@@ -11,4 +13,6 @@ export const vokoTargetTables = [
   ...billingDbSchema.targetTables,
   ...emailDbSchema.targetTables,
   ...accessDbSchema.targetTables,
+  ...exchangeDbSchema.targetTables,
+  ...clearingDbSchema.targetTables,
 ]
diff --git a/packages/voko-access/src/access-requests.js b/packages/voko-access/src/access-requests.js
index 9bf59aa..3ba5b4a 100644
--- a/packages/voko-access/src/access-requests.js
+++ b/packages/voko-access/src/access-requests.js
@@ -15,6 +15,7 @@ export const ACCESS_REQUEST_STATUSES = Object.freeze(['pending', 'approved', 're
  *   created_at: Date,
  *   reviewed_by_user_id: string|null,
  *   reviewed_at: Date|null,
+ *   claimed_agent_count: number,
  * }} AccessRequest
  */
 
@@ -41,6 +42,7 @@ export function accessRequestFromRow(row) {
       throw new Error(`Unhandled status: ${status}, id: ${id}`)
   }
   if (!(row.created_at instanceof Date)) throw new Error(`vk_access_requests.created_at missing, id: ${id}`)
+  if (!Number.isInteger(row.claimed_agent_count)) throw new Error(`vk_access_requests.claimed_agent_count invalid, id: ${id}`)
   return {
     id,
     user_id: requiredString(row.user_id, 'user_id', id),
@@ -50,6 +52,7 @@ export function accessRequestFromRow(row) {
     created_at: row.created_at,
     reviewed_by_user_id: row.reviewed_by_user_id,
     reviewed_at: row.reviewed_at,
+    claimed_agent_count: row.claimed_agent_count,
   }
 }
 
@@ -71,7 +74,7 @@ export function createAccessRequests({ db, notifier }) {
    */
   async function submit(ctx, { user_id, email, note }) {
     await db(TABLE)
-      .insert({ id: `ar_${randomUUID()}`, user_id, email, note, status: 'pending', created_at: new Date(), reviewed_by_user_id: null, reviewed_at: null })
+      .insert({ id: `ar_${randomUUID()}`, user_id, email, note, status: 'pending', created_at: new Date(), reviewed_by_user_id: null, reviewed_at: null, claimed_agent_count: 0 })
       .onConflict('user_id')
       .ignore()
     return getForUser(ctx, { user_id })
diff --git a/packages/voko-access/src/db/tables/index.cjs b/packages/voko-access/src/db/tables/index.cjs
index 5a3159b..d376981 100644
--- a/packages/voko-access/src/db/tables/index.cjs
+++ b/packages/voko-access/src/db/tables/index.cjs
@@ -1,5 +1,8 @@
 const tableModules = [
   require('./vk_access_requests.cjs'),
+  require('./vk_agent_claims.cjs'),
+  require('./vk_api_keys.cjs'),
+  require('./vk_webhook_deliveries.cjs'),
 ]
 
 const targetTables = tableModules.map(({ tableName, buildTable }) => [tableName, buildTable])
diff --git a/packages/voko-access/src/db/tables/vk_access_requests.cjs b/packages/voko-access/src/db/tables/vk_access_requests.cjs
index 0cbcba3..030a8a6 100644
--- a/packages/voko-access/src/db/tables/vk_access_requests.cjs
+++ b/packages/voko-access/src/db/tables/vk_access_requests.cjs
@@ -9,10 +9,12 @@ function buildTable(t) {
   t.datetime('created_at', { precision: 3 }).notNullable()
   t.string('reviewed_by_user_id', 64).nullable()
   t.datetime('reviewed_at', { precision: 3 }).nullable()
+  t.tinyint('claimed_agent_count').unsigned().notNullable().defaultTo(0)
   t.unique(['user_id'], { indexName: 'uq_vk_access_requests_user' })
   t.index(['status', 'created_at', 'id'], 'idx_vk_access_requests_queue')
   t.check("status in ('pending','approved','rejected')", [], 'ck_vk_access_requests_status')
   t.check("(status = 'pending' and reviewed_at is null and reviewed_by_user_id is null) or (status <> 'pending' and reviewed_at is not null and reviewed_by_user_id is not null)", [], 'ck_vk_access_requests_review')
+  t.check("claimed_agent_count <= 3 and (status = 'approved' or claimed_agent_count = 0)", [], 'ck_vk_access_requests_agent_count')
 }
 
 module.exports = { tableName, buildTable }
diff --git a/packages/voko-access/src/db/tables/vk_agent_claims.cjs b/packages/voko-access/src/db/tables/vk_agent_claims.cjs
new file mode 100644
index 0000000..d4cab3c
--- /dev/null
+++ b/packages/voko-access/src/db/tables/vk_agent_claims.cjs
@@ -0,0 +1,17 @@
+const tableName = 'vk_agent_claims'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('agent_id', 64).notNullable()
+  t.string('claim_token_hash', 64).notNullable()
+  t.string('verification_code', 16).notNullable()
+  t.datetime('expires_at', { precision: 3 }).notNullable()
+  t.string('claimed_by_user_id', 64).nullable()
+  t.datetime('claimed_at', { precision: 3 }).nullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.unique(['claim_token_hash'], { indexName: 'uq_vk_agent_claims_token' })
+  t.unique(['agent_id'], { indexName: 'uq_vk_agent_claims_agent' })
+  t.check('(claimed_by_user_id is null) = (claimed_at is null)', [], 'ck_vk_agent_claims_claimed_pair')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-access/src/db/tables/vk_api_keys.cjs b/packages/voko-access/src/db/tables/vk_api_keys.cjs
new file mode 100644
index 0000000..efad3a5
--- /dev/null
+++ b/packages/voko-access/src/db/tables/vk_api_keys.cjs
@@ -0,0 +1,16 @@
+const tableName = 'vk_api_keys'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('agent_id', 64).notNullable()
+  t.string('key_hash', 64).notNullable()
+  t.string('key_prefix', 16).notNullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.datetime('revoked_at', { precision: 3 }).nullable()
+  t.specificType('active_agent_id', 'varchar(64) GENERATED ALWAYS AS (CASE WHEN revoked_at IS NULL THEN agent_id ELSE NULL END) STORED')
+  t.unique(['key_hash'], { indexName: 'uq_vk_api_keys_hash' })
+  t.unique(['active_agent_id'], { indexName: 'uq_vk_api_keys_active_agent' })
+  t.index(['agent_id'], 'idx_vk_api_keys_agent')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-access/src/db/tables/vk_webhook_deliveries.cjs b/packages/voko-access/src/db/tables/vk_webhook_deliveries.cjs
new file mode 100644
index 0000000..9795388
--- /dev/null
+++ b/packages/voko-access/src/db/tables/vk_webhook_deliveries.cjs
@@ -0,0 +1,19 @@
+const tableName = 'vk_webhook_deliveries'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.bigInteger('event_id').unsigned().notNullable()
+  t.string('agent_id', 64).notNullable()
+  t.string('status', 16).notNullable()
+  t.tinyint('attempts').unsigned().notNullable()
+  t.datetime('next_attempt_at', { precision: 3 }).nullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.datetime('delivered_at', { precision: 3 }).nullable()
+  t.unique(['event_id', 'agent_id'], { indexName: 'uq_vk_webhook_deliveries_event_agent' })
+  t.index(['status', 'next_attempt_at'], 'idx_vk_webhook_deliveries_due')
+  t.check("status in ('pending','delivered','failed')", [], 'ck_vk_webhook_deliveries_status')
+  t.check("(status = 'pending') = (next_attempt_at is not null)", [], 'ck_vk_webhook_deliveries_next_attempt')
+  t.check("(status = 'delivered') = (delivered_at is not null)", [], 'ck_vk_webhook_deliveries_delivered')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-access/test/access-request-from-row.test.js b/packages/voko-access/test/access-request-from-row.test.js
index 95aebed..ce892f2 100644
--- a/packages/voko-access/test/access-request-from-row.test.js
+++ b/packages/voko-access/test/access-request-from-row.test.js
@@ -7,6 +7,7 @@ const base = {
   email: 'a@example.com',
   note: null,
   created_at: new Date('2026-10-10T00:00:00Z'),
+  claimed_agent_count: 0,
 }
 
 describe('accessRequestFromRow 覆盖全部状态', () => {
diff --git a/packages/voko-clearing/package.json b/packages/voko-clearing/package.json
new file mode 100644
index 0000000..64dceb4
--- /dev/null
+++ b/packages/voko-clearing/package.json
@@ -0,0 +1,9 @@
+{
+  "name": "@voko/clearing",
+  "version": "0.0.0",
+  "private": true,
+  "type": "module",
+  "exports": {
+    ".": "./src/index.js"
+  }
+}
diff --git a/packages/voko-clearing/src/db/tables/index.cjs b/packages/voko-clearing/src/db/tables/index.cjs
new file mode 100644
index 0000000..6ac3eae
--- /dev/null
+++ b/packages/voko-clearing/src/db/tables/index.cjs
@@ -0,0 +1,8 @@
+const tableModules = [
+  require('./vk_escrows.cjs'),
+  require('./vk_escrow_payouts.cjs'),
+]
+
+const targetTables = tableModules.map(({ tableName, buildTable }) => [tableName, buildTable])
+
+module.exports = { targetTables }
diff --git a/packages/voko-clearing/src/db/tables/vk_escrow_payouts.cjs b/packages/voko-clearing/src/db/tables/vk_escrow_payouts.cjs
new file mode 100644
index 0000000..0a412b0
--- /dev/null
+++ b/packages/voko-clearing/src/db/tables/vk_escrow_payouts.cjs
@@ -0,0 +1,19 @@
+const tableName = 'vk_escrow_payouts'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('escrow_id', 64).notNullable()
+  t.string('task_id', 64).notNullable()
+  t.string('recipient_wallet', 64).notNullable()
+  t.bigInteger('amount').notNullable()
+  t.string('kind', 16).notNullable()
+  t.string('ledger_id', 64).notNullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.unique(['escrow_id', 'recipient_wallet', 'kind'], { indexName: 'uq_vk_escrow_payouts_recipient_kind' })
+  t.unique(['ledger_id'], { indexName: 'uq_vk_escrow_payouts_ledger' })
+  t.index(['task_id'], 'idx_vk_escrow_payouts_task')
+  t.check("kind in ('winner','relay_share','refund')", [], 'ck_vk_escrow_payouts_kind')
+  t.check('amount > 0', [], 'ck_vk_escrow_payouts_amount')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-clearing/src/db/tables/vk_escrows.cjs b/packages/voko-clearing/src/db/tables/vk_escrows.cjs
new file mode 100644
index 0000000..d3837a5
--- /dev/null
+++ b/packages/voko-clearing/src/db/tables/vk_escrows.cjs
@@ -0,0 +1,20 @@
+const tableName = 'vk_escrows'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('task_id', 64).notNullable()
+  t.string('payer_wallet', 64).notNullable()
+  t.bigInteger('amount').notNullable()
+  t.string('status', 16).notNullable()
+  t.string('deduct_ledger_id', 64).notNullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.datetime('closed_at', { precision: 3 }).nullable()
+  t.unique(['task_id'], { indexName: 'uq_vk_escrows_task' })
+  t.unique(['deduct_ledger_id'], { indexName: 'uq_vk_escrows_deduct_ledger' })
+  t.index(['payer_wallet', 'status'], 'idx_vk_escrows_payer_status')
+  t.check("status in ('held','released','refunded')", [], 'ck_vk_escrows_status')
+  t.check('amount > 0', [], 'ck_vk_escrows_amount')
+  t.check("(status = 'held') = (closed_at is null)", [], 'ck_vk_escrows_closed')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-clearing/src/index.js b/packages/voko-clearing/src/index.js
new file mode 100644
index 0000000..85a9a31
--- /dev/null
+++ b/packages/voko-clearing/src/index.js
@@ -0,0 +1,9 @@
+/**
+ * `@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。
+ *
+ * 当前只有表结构；托管、结算、退款 service 在 W2–W4 加入。
+ *
+ * 边界：不读 `process.env`、不建连接；db 由 composition root 注入。
+ */
+
+export { default as clearingDbSchema } from './db/tables/index.cjs'
diff --git a/packages/voko-exchange/package.json b/packages/voko-exchange/package.json
new file mode 100644
index 0000000..6198a09
--- /dev/null
+++ b/packages/voko-exchange/package.json
@@ -0,0 +1,9 @@
+{
+  "name": "@voko/exchange",
+  "version": "0.0.0",
+  "private": true,
+  "type": "module",
+  "exports": {
+    ".": "./src/index.js"
+  }
+}
diff --git a/packages/voko-exchange/src/db/tables/index.cjs b/packages/voko-exchange/src/db/tables/index.cjs
new file mode 100644
index 0000000..fec7cf4
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/index.cjs
@@ -0,0 +1,23 @@
+const tableModules = [
+  require('./vk_guilds.cjs'),
+  require('./vk_guild_members.cjs'),
+  require('./vk_agents.cjs'),
+  require('./vk_tasks.cjs'),
+  require('./vk_task_acceptance_items.cjs'),
+  require('./vk_task_holds.cjs'),
+  require('./vk_task_entries.cjs'),
+  require('./vk_checkpoints.cjs'),
+  require('./vk_submissions.cjs'),
+  require('./vk_reviews.cjs'),
+  require('./vk_review_checks.cjs'),
+  require('./vk_disputes.cjs'),
+  require('./vk_transfers.cjs'),
+  require('./vk_help_requests.cjs'),
+  require('./vk_comments.cjs'),
+  require('./vk_events.cjs'),
+  require('./vk_jobs.cjs'),
+]
+
+const targetTables = tableModules.map(({ tableName, buildTable }) => [tableName, buildTable])
+
+module.exports = { targetTables }
diff --git a/packages/voko-exchange/src/db/tables/vk_agents.cjs b/packages/voko-exchange/src/db/tables/vk_agents.cjs
new file mode 100644
index 0000000..68b6603
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_agents.cjs
@@ -0,0 +1,34 @@
+const tableName = 'vk_agents'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('wallet_user_id', 64).notNullable()
+  t.string('owner_user_id', 64).nullable()
+  t.string('guild_id', 64).nullable()
+  t.string('role', 16).notNullable()
+  t.string('status', 16).notNullable()
+  t.string('name', 120).notNullable()
+  t.string('description', 1000).nullable()
+  t.json('skills').notNullable()
+  t.string('owner_email', 320).nullable()
+  t.integer('level').unsigned().notNullable()
+  t.bigInteger('xp').unsigned().notNullable()
+  t.string('webhook_url', 2048).nullable()
+  t.text('webhook_secret_enc').nullable()
+  t.bigInteger('daily_spend_limit').nullable()
+  t.bigInteger('events_cursor').unsigned().notNullable()
+  t.datetime('claimed_at', { precision: 3 }).nullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.datetime('updated_at', { precision: 3 }).nullable()
+  t.unique(['wallet_user_id'], { indexName: 'uq_vk_agents_wallet' })
+  t.index(['owner_user_id'], 'idx_vk_agents_owner')
+  t.index(['guild_id', 'status'], 'idx_vk_agents_guild_status')
+  t.check("role in ('company','member')", [], 'ck_vk_agents_role')
+  t.check("status in ('pending_claim','active','suspended')", [], 'ck_vk_agents_status')
+  t.check("(status = 'pending_claim' and owner_user_id is null and claimed_at is null and guild_id is null) or (status <> 'pending_claim' and owner_user_id is not null and claimed_at is not null and guild_id is not null)", [], 'ck_vk_agents_claim')
+  t.check('(webhook_url is null) = (webhook_secret_enc is null)', [], 'ck_vk_agents_webhook_pair')
+  t.check('level >= 1', [], 'ck_vk_agents_level')
+  t.check('daily_spend_limit is null or daily_spend_limit >= 0', [], 'ck_vk_agents_daily_spend_limit')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_checkpoints.cjs b/packages/voko-exchange/src/db/tables/vk_checkpoints.cjs
new file mode 100644
index 0000000..3713a2f
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_checkpoints.cjs
@@ -0,0 +1,17 @@
+const tableName = 'vk_checkpoints'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('task_id', 64).notNullable()
+  t.string('hold_id', 64).notNullable()
+  t.string('agent_id', 64).notNullable()
+  t.tinyint('progress').unsigned().notNullable()
+  t.string('note', 2000).nullable()
+  t.json('links').notNullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.index(['task_id', 'created_at'], 'idx_vk_checkpoints_task')
+  t.index(['hold_id'], 'idx_vk_checkpoints_hold')
+  t.check('progress <= 100', [], 'ck_vk_checkpoints_progress')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_comments.cjs b/packages/voko-exchange/src/db/tables/vk_comments.cjs
new file mode 100644
index 0000000..0b62f94
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_comments.cjs
@@ -0,0 +1,12 @@
+const tableName = 'vk_comments'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('task_id', 64).notNullable()
+  t.string('author_agent_id', 64).notNullable()
+  t.text('body').notNullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.index(['task_id', 'created_at', 'id'], 'idx_vk_comments_task')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_disputes.cjs b/packages/voko-exchange/src/db/tables/vk_disputes.cjs
new file mode 100644
index 0000000..4cdad65
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_disputes.cjs
@@ -0,0 +1,22 @@
+const tableName = 'vk_disputes'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('task_id', 64).notNullable()
+  t.string('opened_by_agent_id', 64).notNullable()
+  t.string('status', 16).notNullable()
+  t.json('ai_proposal').nullable()
+  t.json('resolution').nullable()
+  t.string('resolved_by_user_id', 64).nullable()
+  t.datetime('resolved_at', { precision: 3 }).nullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.specificType('open_task_id', "varchar(64) GENERATED ALWAYS AS (CASE WHEN status <> 'resolved' THEN task_id ELSE NULL END) STORED")
+  t.unique(['open_task_id'], { indexName: 'uq_vk_disputes_open_task' })
+  t.index(['task_id'], 'idx_vk_disputes_task')
+  t.index(['status', 'created_at'], 'idx_vk_disputes_queue')
+  t.check("status in ('open','ai_proposed','resolved')", [], 'ck_vk_disputes_status')
+  t.check("status <> 'ai_proposed' or ai_proposal is not null", [], 'ck_vk_disputes_ai_proposal')
+  t.check("(status <> 'resolved' and resolution is null and resolved_by_user_id is null and resolved_at is null) or (status = 'resolved' and resolution is not null and resolved_by_user_id is not null and resolved_at is not null)", [], 'ck_vk_disputes_resolution')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_events.cjs b/packages/voko-exchange/src/db/tables/vk_events.cjs
new file mode 100644
index 0000000..fcb0ce1
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_events.cjs
@@ -0,0 +1,16 @@
+const tableName = 'vk_events'
+
+function buildTable(t) {
+  t.bigIncrements('id').unsigned().primary()
+  t.string('guild_id', 64).notNullable()
+  t.string('target_agent_id', 64).nullable()
+  t.string('type', 64).notNullable()
+  t.string('task_id', 64).nullable()
+  t.json('payload').notNullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.index(['target_agent_id', 'id'], 'idx_vk_events_target')
+  t.index(['guild_id', 'id'], 'idx_vk_events_guild')
+  t.index(['task_id', 'id'], 'idx_vk_events_task')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_guild_members.cjs b/packages/voko-exchange/src/db/tables/vk_guild_members.cjs
new file mode 100644
index 0000000..243ca92
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_guild_members.cjs
@@ -0,0 +1,14 @@
+const tableName = 'vk_guild_members'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('guild_id', 64).notNullable()
+  t.string('user_id', 64).notNullable()
+  t.string('role', 16).notNullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.unique(['guild_id', 'user_id'], { indexName: 'uq_vk_guild_members_guild_user' })
+  t.index(['user_id'], 'idx_vk_guild_members_user')
+  t.check("role in ('lead','member')", [], 'ck_vk_guild_members_role')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_guilds.cjs b/packages/voko-exchange/src/db/tables/vk_guilds.cjs
new file mode 100644
index 0000000..6ad5af5
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_guilds.cjs
@@ -0,0 +1,20 @@
+const tableName = 'vk_guilds'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('name', 120).notNullable()
+  t.string('slug', 64).notNullable()
+  t.string('lead_user_id', 64).notNullable()
+  t.string('company_agent_id', 64).nullable()
+  t.boolean('require_lead_approval').notNullable()
+  t.integer('checkpoint_interval_sec').unsigned().notNullable().defaultTo(21600)
+  t.integer('piece_review_window_sec').unsigned().notNullable().defaultTo(86400)
+  t.integer('contest_review_window_sec').unsigned().notNullable().defaultTo(259200)
+  t.integer('transfer_ttl_sec').unsigned().notNullable().defaultTo(86400)
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.datetime('updated_at', { precision: 3 }).nullable()
+  t.unique(['slug'], { indexName: 'uq_vk_guilds_slug' })
+  t.check('checkpoint_interval_sec > 0 and piece_review_window_sec > 0 and contest_review_window_sec > 0 and transfer_ttl_sec > 0', [], 'ck_vk_guilds_windows')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_help_requests.cjs b/packages/voko-exchange/src/db/tables/vk_help_requests.cjs
new file mode 100644
index 0000000..ac4b5ca
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_help_requests.cjs
@@ -0,0 +1,20 @@
+const tableName = 'vk_help_requests'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('task_id', 64).notNullable()
+  t.string('agent_id', 64).notNullable()
+  t.string('owner_user_id', 64).notNullable()
+  t.text('question').notNullable()
+  t.string('status', 16).notNullable()
+  t.text('answer').nullable()
+  t.datetime('answered_at', { precision: 3 }).nullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.index(['owner_user_id', 'status', 'created_at'], 'idx_vk_help_requests_inbox')
+  t.index(['task_id'], 'idx_vk_help_requests_task')
+  t.index(['agent_id', 'status'], 'idx_vk_help_requests_agent')
+  t.check("status in ('open','answered')", [], 'ck_vk_help_requests_status')
+  t.check("(status = 'open' and answer is null and answered_at is null) or (status = 'answered' and answer is not null and answered_at is not null)", [], 'ck_vk_help_requests_answer')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_jobs.cjs b/packages/voko-exchange/src/db/tables/vk_jobs.cjs
new file mode 100644
index 0000000..9317adc
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_jobs.cjs
@@ -0,0 +1,21 @@
+const tableName = 'vk_jobs'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('kind', 32).notNullable()
+  t.string('ref_id', 64).nullable()
+  t.datetime('run_at', { precision: 3 }).notNullable()
+  t.string('status', 16).notNullable()
+  t.datetime('lease_until', { precision: 3 }).nullable()
+  t.tinyint('attempts').unsigned().notNullable()
+  t.string('dedupe_key', 191).notNullable()
+  t.text('last_error').nullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.datetime('updated_at', { precision: 3 }).nullable()
+  t.unique(['dedupe_key'], { indexName: 'uq_vk_jobs_dedupe' })
+  t.index(['status', 'run_at'], 'idx_vk_jobs_due')
+  t.check("status in ('pending','running','done','failed')", [], 'ck_vk_jobs_status')
+  t.check("status <> 'running' or lease_until is not null", [], 'ck_vk_jobs_lease')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_review_checks.cjs b/packages/voko-exchange/src/db/tables/vk_review_checks.cjs
new file mode 100644
index 0000000..17d6480
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_review_checks.cjs
@@ -0,0 +1,11 @@
+const tableName = 'vk_review_checks'
+
+function buildTable(t) {
+  t.string('review_id', 64).notNullable()
+  t.string('item_key', 32).notNullable()
+  t.boolean('pass').notNullable()
+  t.string('reason', 1000).notNullable()
+  t.primary(['review_id', 'item_key'])
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_reviews.cjs b/packages/voko-exchange/src/db/tables/vk_reviews.cjs
new file mode 100644
index 0000000..0c58dda
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_reviews.cjs
@@ -0,0 +1,17 @@
+const tableName = 'vk_reviews'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('task_id', 64).notNullable()
+  t.string('submission_id', 64).notNullable()
+  t.string('reviewer_kind', 16).notNullable()
+  t.string('action', 16).notNullable()
+  t.text('reason').nullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.index(['task_id', 'created_at'], 'idx_vk_reviews_task')
+  t.index(['submission_id'], 'idx_vk_reviews_submission')
+  t.check("reviewer_kind in ('publisher','auto','arbitration')", [], 'ck_vk_reviews_reviewer_kind')
+  t.check("action in ('accept','reject','select_winner')", [], 'ck_vk_reviews_action')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_submissions.cjs b/packages/voko-exchange/src/db/tables/vk_submissions.cjs
new file mode 100644
index 0000000..1927bc7
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_submissions.cjs
@@ -0,0 +1,15 @@
+const tableName = 'vk_submissions'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('task_id', 64).notNullable()
+  t.string('agent_id', 64).notNullable()
+  t.tinyint('round').unsigned().notNullable()
+  t.text('summary').notNullable()
+  t.json('artifacts').notNullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.unique(['task_id', 'agent_id', 'round'], { indexName: 'uq_vk_submissions_task_agent_round' })
+  t.check('round between 1 and 3', [], 'ck_vk_submissions_round')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_task_acceptance_items.cjs b/packages/voko-exchange/src/db/tables/vk_task_acceptance_items.cjs
new file mode 100644
index 0000000..c9abb65
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_task_acceptance_items.cjs
@@ -0,0 +1,13 @@
+const tableName = 'vk_task_acceptance_items'
+
+function buildTable(t) {
+  t.string('task_id', 64).notNullable()
+  t.string('item_key', 32).notNullable()
+  t.tinyint('ordinal').unsigned().notNullable()
+  t.string('text', 1000).notNullable()
+  t.primary(['task_id', 'item_key'])
+  t.unique(['task_id', 'ordinal'], { indexName: 'uq_vk_task_acceptance_items_ordinal' })
+  t.check('ordinal between 1 and 5', [], 'ck_vk_task_acceptance_items_ordinal')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_task_entries.cjs b/packages/voko-exchange/src/db/tables/vk_task_entries.cjs
new file mode 100644
index 0000000..5ab092b
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_task_entries.cjs
@@ -0,0 +1,12 @@
+const tableName = 'vk_task_entries'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('task_id', 64).notNullable()
+  t.string('agent_id', 64).notNullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.unique(['task_id', 'agent_id'], { indexName: 'uq_vk_task_entries_task_agent' })
+  t.index(['agent_id'], 'idx_vk_task_entries_agent')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_task_holds.cjs b/packages/voko-exchange/src/db/tables/vk_task_holds.cjs
new file mode 100644
index 0000000..c1d5e5d
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_task_holds.cjs
@@ -0,0 +1,19 @@
+const tableName = 'vk_task_holds'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('task_id', 64).notNullable()
+  t.string('agent_id', 64).notNullable()
+  t.datetime('started_at', { precision: 3 }).notNullable()
+  t.datetime('ended_at', { precision: 3 }).nullable()
+  t.string('end_reason', 16).nullable()
+  t.boolean('has_valid_checkpoint').notNullable()
+  t.specificType('open_task_id', 'varchar(64) GENERATED ALWAYS AS (CASE WHEN ended_at IS NULL THEN task_id ELSE NULL END) STORED')
+  t.unique(['open_task_id'], { indexName: 'uq_vk_task_holds_open_task' })
+  t.index(['task_id', 'started_at'], 'idx_vk_task_holds_task')
+  t.index(['agent_id', 'ended_at'], 'idx_vk_task_holds_agent')
+  t.check("end_reason in ('submitted','released','timeout','transferred')", [], 'ck_vk_task_holds_end_reason')
+  t.check('(ended_at is null) = (end_reason is null)', [], 'ck_vk_task_holds_end_pair')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_tasks.cjs b/packages/voko-exchange/src/db/tables/vk_tasks.cjs
new file mode 100644
index 0000000..ba80bc6
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_tasks.cjs
@@ -0,0 +1,40 @@
+const tableName = 'vk_tasks'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('guild_id', 64).notNullable()
+  t.string('publisher_agent_id', 64).notNullable()
+  t.string('template', 16).notNullable()
+  t.string('title', 200).notNullable()
+  t.text('spec').notNullable()
+  t.bigInteger('reward').notNullable()
+  t.tinyint('rarity').unsigned().notNullable()
+  t.datetime('deadline_at', { precision: 3 }).notNullable()
+  t.string('status', 24).notNullable()
+  t.string('client_request_key', 191).notNullable()
+  t.string('holder_agent_id', 64).nullable()
+  t.datetime('next_checkpoint_due_at', { precision: 3 }).nullable()
+  t.tinyint('missed_checkpoints').unsigned().notNullable()
+  t.tinyint('rework_count').unsigned().notNullable()
+  t.datetime('review_due_at', { precision: 3 }).nullable()
+  t.datetime('settled_at', { precision: 3 }).nullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.datetime('updated_at', { precision: 3 }).nullable()
+  t.unique(['publisher_agent_id', 'client_request_key'], { indexName: 'uq_vk_tasks_publisher_request' })
+  t.index(['guild_id', 'status', 'deadline_at'], 'idx_vk_tasks_board')
+  t.index(['publisher_agent_id', 'status'], 'idx_vk_tasks_publisher_status')
+  t.index(['holder_agent_id', 'status'], 'idx_vk_tasks_holder_status')
+  t.check("template in ('piecework','contest')", [], 'ck_vk_tasks_template')
+  t.check("status in ('pending_approval','open','claimed','in_contest','submitted','reviewing','rework','disputed','settled','cancelled','refunded')", [], 'ck_vk_tasks_status')
+  t.check('reward > 0', [], 'ck_vk_tasks_reward')
+  t.check('rarity between 1 and 10', [], 'ck_vk_tasks_rarity')
+  t.check('rework_count <= 2', [], 'ck_vk_tasks_rework_count')
+  t.check("status not in ('claimed','submitted','rework') or template = 'piecework'", [], 'ck_vk_tasks_piecework_status')
+  t.check("status not in ('in_contest','reviewing') or template = 'contest'", [], 'ck_vk_tasks_contest_status')
+  t.check("template <> 'contest' or holder_agent_id is null", [], 'ck_vk_tasks_contest_holder')
+  t.check("status <> 'claimed' or (holder_agent_id is not null and next_checkpoint_due_at is not null)", [], 'ck_vk_tasks_claimed')
+  t.check("status not in ('submitted','reviewing') or review_due_at is not null", [], 'ck_vk_tasks_review_due')
+  t.check("status <> 'settled' or settled_at is not null", [], 'ck_vk_tasks_settled')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/db/tables/vk_transfers.cjs b/packages/voko-exchange/src/db/tables/vk_transfers.cjs
new file mode 100644
index 0000000..447fa46
--- /dev/null
+++ b/packages/voko-exchange/src/db/tables/vk_transfers.cjs
@@ -0,0 +1,21 @@
+const tableName = 'vk_transfers'
+
+function buildTable(t) {
+  t.string('id', 64).primary()
+  t.string('task_id', 64).notNullable()
+  t.string('from_agent_id', 64).notNullable()
+  t.string('to_agent_id', 64).notNullable()
+  t.string('status', 16).notNullable()
+  t.datetime('expires_at', { precision: 3 }).notNullable()
+  t.datetime('created_at', { precision: 3 }).notNullable()
+  t.datetime('resolved_at', { precision: 3 }).nullable()
+  t.specificType('pending_task_id', "varchar(64) GENERATED ALWAYS AS (CASE WHEN status = 'pending' THEN task_id ELSE NULL END) STORED")
+  t.unique(['pending_task_id'], { indexName: 'uq_vk_transfers_pending_task' })
+  t.index(['task_id'], 'idx_vk_transfers_task')
+  t.index(['to_agent_id', 'status'], 'idx_vk_transfers_to_agent')
+  t.check("status in ('pending','accepted','declined','expired')", [], 'ck_vk_transfers_status')
+  t.check("(status = 'pending') = (resolved_at is null)", [], 'ck_vk_transfers_resolved')
+  t.check('from_agent_id <> to_agent_id', [], 'ck_vk_transfers_parties')
+}
+
+module.exports = { tableName, buildTable }
diff --git a/packages/voko-exchange/src/index.js b/packages/voko-exchange/src/index.js
new file mode 100644
index 0000000..99e9309
--- /dev/null
+++ b/packages/voko-exchange/src/index.js
@@ -0,0 +1,9 @@
+/**
+ * `@voko/exchange` —— VOKO 的任务交换：公会、Agent、任务、检查点、提交、验收、评论、求助、事件与定时任务。
+ *
+ * 当前只有表结构；状态机与 service 在 W1–W3 加入。
+ *
+ * 边界：不读 `process.env`、不建连接；db 由 composition root 注入。
+ */
+
+export { default as exchangeDbSchema } from './db/tables/index.cjs'
diff --git a/pnpm-lock.yaml b/pnpm-lock.yaml
index 4db91cc..b51f63a 100644
--- a/pnpm-lock.yaml
+++ b/pnpm-lock.yaml
@@ -69,6 +69,12 @@ importers:
       '@voko/access':
         specifier: workspace:*
         version: link:../../packages/voko-access
+      '@voko/clearing':
+        specifier: workspace:*
+        version: link:../../packages/voko-clearing
+      '@voko/exchange':
+        specifier: workspace:*
+        version: link:../../packages/voko-exchange
       dotenv:
         specifier: 16.6.1
         version: 16.6.1
@@ -286,6 +292,10 @@ importers:
         specifier: ^2.1.4
         version: 2.1.9(@types/node@24.13.2)(jsdom@25.0.1)(sass@1.101.0)
 
+  packages/voko-clearing: {}
+
+  packages/voko-exchange: {}
+
 packages:
 
   '@asamuzakjp/css-color@3.2.0':