diff --git a/features/payment-receipt-reconciler/README.md b/features/payment-receipt-reconciler/README.md
new file mode 100644
index 0000000..25e0473
--- /dev/null
+++ b/features/payment-receipt-reconciler/README.md
@@ -0,0 +1,41 @@
+# Payment Receipt Reconciler
+
+Turn one completed classic payment or path-payment transaction into a public
+receipt that connects its operations with observed account debit and credit
+effects — without promising a full accounting export.
+
+## Behaviour
+
+1. Validate a 64-character transaction hash locally (`invalid_hash` /
+   `empty_input`).
+2. Fetch Horizon `GET /transactions/{hash}`, `/operations` and `/effects` on
+   the selected network.
+3. Reject absent (`transaction_not_found`) or failed (`transaction_failed`)
+   transactions with specific outcomes.
+4. Keep only `payment`, `path_payment_strict_send` and
+   `path_payment_strict_receive` operations; everything else is listed under
+   **Outside this receipt**.
+5. Link each supported operation to its `account_debited` / `account_credited`
+   effects via the operation TOID embedded in the effect id. Missing either
+   side yields `incomplete_effects`.
+6. Sum exact amounts by asset code + issuer (`BigInt` stroops). The charged fee
+   is shown separately and never folded into debit totals.
+7. Produce a copyable public receipt: hash, selected network, ledger number.
+   Operation and effect ids stay visible for audit.
+
+## Data boundaries
+
+- Networks: testnet and mainnet Horizon only.
+- Amounts stay strings / `BigInt` — never floats, never secret keys.
+- Trade, trustline and other non-transfer effects are marked outside the
+  receipt rather than silently dropped.
+- No payment initiation or tax classification.
+
+## Design decisions
+
+- Effect linking uses the Horizon effect id (`{operationTOID}-{index}`) rather
+  than guessing from accounts or amounts, so multi-op transactions stay exact.
+- Failed transactions are an error outcome for this tool (unlike Transaction
+  Lookup) because a failed payment has no durable debit/credit receipt.
+- Transport failures and decode problems collapse to `request_failed`; domain
+  outcomes keep their own codes so copy stays actionable.
diff --git a/features/payment-receipt-reconciler/__tests__/PaymentReceiptReconcilerPanel.test.tsx b/features/payment-receipt-reconciler/__tests__/PaymentReceiptReconcilerPanel.test.tsx
new file mode 100644
index 0000000..2d3a92d
--- /dev/null
+++ b/features/payment-receipt-reconciler/__tests__/PaymentReceiptReconcilerPanel.test.tsx
@@ -0,0 +1,83 @@
+import { describe, expect, it } from "vitest";
+import { renderFeature, screen } from "@/core/testing/render";
+import { withMswHandlers } from "@/core/testing/msw";
+import { PaymentReceiptReconcilerPanel } from "@/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerPanel";
+import { copy, errorCopy } from "@/features/payment-receipt-reconciler/copy";
+import { handlers } from "@/features/payment-receipt-reconciler/msw/handlers";
+import {
+  failedHash,
+  missingHash,
+  successfulHash,
+  unsupportedHash
+} from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+import { mixedEffectsHash } from "@/features/payment-receipt-reconciler/fixtures/mixed-effects.fixture";
+
+withMswHandlers(...handlers);
+
+describe("PaymentReceiptReconcilerPanel", () => {
+  it("shows the empty state first", () => {
+    renderFeature(<PaymentReceiptReconcilerPanel />);
+    expect(screen.getByText(copy.emptyTitle)).toBeInTheDocument();
+  });
+
+  it("renders operations, effects, totals and a public receipt", async () => {
+    const { user } = renderFeature(<PaymentReceiptReconcilerPanel />);
+
+    await user.type(screen.getByLabelText(copy.formLabel), successfulHash);
+    await user.click(screen.getByRole("button", { name: copy.submit }));
+
+    expect(await screen.findByText(copy.publicReceiptTitle)).toBeInTheDocument();
+    expect(screen.getByText(copy.operationsTitle)).toBeInTheDocument();
+    expect(screen.getByText(copy.effectsTitle)).toBeInTheDocument();
+    expect(screen.getByText(copy.totalsTitle)).toBeInTheDocument();
+    expect(screen.getByText("100 stroops (0.00001 XLM)")).toBeInTheDocument();
+    expect(screen.getByRole("button", { name: copy.copyReceipt })).toBeInTheDocument();
+  });
+
+  it("surfaces outside items for mixed transactions", async () => {
+    const { user } = renderFeature(<PaymentReceiptReconcilerPanel />);
+
+    await user.type(screen.getByLabelText(copy.formLabel), mixedEffectsHash);
+    await user.click(screen.getByRole("button", { name: copy.submit }));
+
+    expect(await screen.findByText(copy.outsideTitle)).toBeInTheDocument();
+    expect(screen.getByText("change trust")).toBeInTheDocument();
+    expect(screen.getByText("trade")).toBeInTheDocument();
+  });
+
+  it("explains a failed transaction", async () => {
+    const { user } = renderFeature(<PaymentReceiptReconcilerPanel />);
+
+    await user.type(screen.getByLabelText(copy.formLabel), failedHash);
+    await user.click(screen.getByRole("button", { name: copy.submit }));
+
+    expect(await screen.findByText(errorCopy.transaction_failed.title)).toBeInTheDocument();
+  });
+
+  it("explains an unsupported operation set", async () => {
+    const { user } = renderFeature(<PaymentReceiptReconcilerPanel />);
+
+    await user.type(screen.getByLabelText(copy.formLabel), unsupportedHash);
+    await user.click(screen.getByRole("button", { name: copy.submit }));
+
+    expect(await screen.findByText(errorCopy.unsupported_operation.title)).toBeInTheDocument();
+  });
+
+  it("explains that a hash is not an account address", async () => {
+    const { user } = renderFeature(<PaymentReceiptReconcilerPanel />);
+
+    await user.type(screen.getByLabelText(copy.formLabel), "GABC");
+    await user.click(screen.getByRole("button", { name: copy.submit }));
+
+    expect(await screen.findByText(errorCopy.invalid_hash.title)).toBeInTheDocument();
+  });
+
+  it("points at the network switch when a hash is not found", async () => {
+    const { user } = renderFeature(<PaymentReceiptReconcilerPanel />);
+
+    await user.type(screen.getByLabelText(copy.formLabel), missingHash);
+    await user.click(screen.getByRole("button", { name: copy.submit }));
+
+    expect(await screen.findByText(errorCopy.transaction_not_found.title)).toBeInTheDocument();
+  });
+});
diff --git a/features/payment-receipt-reconciler/__tests__/a11y.test.tsx b/features/payment-receipt-reconciler/__tests__/a11y.test.tsx
new file mode 100644
index 0000000..7d724f2
--- /dev/null
+++ b/features/payment-receipt-reconciler/__tests__/a11y.test.tsx
@@ -0,0 +1,27 @@
+import { describe, it } from "vitest";
+import { renderFeature, screen } from "@/core/testing/render";
+import { expectNoAxeViolations } from "@/core/testing/axe";
+import { withMswHandlers } from "@/core/testing/msw";
+import { PaymentReceiptReconcilerPanel } from "@/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerPanel";
+import { copy } from "@/features/payment-receipt-reconciler/copy";
+import { handlers } from "@/features/payment-receipt-reconciler/msw/handlers";
+import { successfulHash } from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+
+withMswHandlers(...handlers);
+
+describe("PaymentReceiptReconcilerPanel accessibility", () => {
+  it("has no WCAG A/AA violations in its initial state", async () => {
+    const { container } = renderFeature(<PaymentReceiptReconcilerPanel />);
+    await expectNoAxeViolations(container);
+  });
+
+  it("has no WCAG A/AA violations with a reconciled receipt", async () => {
+    const { container, user } = renderFeature(<PaymentReceiptReconcilerPanel />);
+
+    await user.type(screen.getByLabelText(copy.formLabel), successfulHash);
+    await user.click(screen.getByRole("button", { name: copy.submit }));
+    await screen.findByText(copy.publicReceiptTitle);
+
+    await expectNoAxeViolations(container);
+  });
+});
diff --git a/features/payment-receipt-reconciler/__tests__/effect-links.test.ts b/features/payment-receipt-reconciler/__tests__/effect-links.test.ts
new file mode 100644
index 0000000..b635bb3
--- /dev/null
+++ b/features/payment-receipt-reconciler/__tests__/effect-links.test.ts
@@ -0,0 +1,103 @@
+import { describe, expect, it } from "vitest";
+import {
+  linkOperationsToEffects,
+  normalizeBalanceEffect,
+  normalizePaymentOperation,
+  operationIdFromEffectId
+} from "@/features/payment-receipt-reconciler/lib/effect-links";
+import {
+  changeTrustOperation,
+  creditEffect,
+  debitEffect,
+  paymentOpId,
+  paymentOperation,
+  trustlineEffect
+} from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+import {
+  pathCreditEffect,
+  pathDebitEffect,
+  pathPaymentOperation,
+  tradeEffect
+} from "@/features/payment-receipt-reconciler/fixtures/mixed-effects.fixture";
+
+describe("operationIdFromEffectId", () => {
+  it("extracts the operation TOID", () => {
+    expect(operationIdFromEffectId(`${paymentOpId}-1`)).toBe(paymentOpId);
+    expect(operationIdFromEffectId("not-an-id")).toBeNull();
+  });
+});
+
+describe("normalizePaymentOperation", () => {
+  it("normalises a classic payment", () => {
+    const op = normalizePaymentOperation(paymentOperation);
+    expect(op?.type).toBe("payment");
+    expect(op?.amount).toBe("12.5000000");
+    expect(op?.asset).toEqual({ type: "native" });
+  });
+
+  it("normalises a path payment with source amount", () => {
+    const op = normalizePaymentOperation(pathPaymentOperation);
+    expect(op?.type).toBe("path_payment_strict_send");
+    expect(op?.sourceAmount).toBe("10.0000000");
+    expect(op?.sourceAsset).toEqual({ type: "native" });
+  });
+
+  it("rejects unsupported types", () => {
+    expect(normalizePaymentOperation(changeTrustOperation)).toBeNull();
+  });
+});
+
+describe("normalizeBalanceEffect", () => {
+  it("keeps debit and credit effects", () => {
+    expect(normalizeBalanceEffect(debitEffect)?.type).toBe("account_debited");
+    expect(normalizeBalanceEffect(creditEffect)?.operationId).toBe(paymentOpId);
+  });
+
+  it("rejects trade effects", () => {
+    expect(normalizeBalanceEffect(tradeEffect)).toBeNull();
+  });
+});
+
+describe("linkOperationsToEffects", () => {
+  it("links payment ops to debit and credit effects", () => {
+    const result = linkOperationsToEffects([paymentOperation], [debitEffect, creditEffect]);
+
+    expect(result.ok).toBe(true);
+    if (!result.ok) return;
+    expect(result.value.operations).toHaveLength(1);
+    expect(result.value.links[0].debits).toHaveLength(1);
+    expect(result.value.links[0].credits).toHaveLength(1);
+    expect(result.value.outside).toEqual([]);
+  });
+
+  it("marks unrelated ops and effects as outside", () => {
+    const result = linkOperationsToEffects(
+      [pathPaymentOperation, changeTrustOperation],
+      [pathDebitEffect, pathCreditEffect, tradeEffect, trustlineEffect]
+    );
+
+    expect(result.ok).toBe(true);
+    if (!result.ok) return;
+    expect(result.value.outside).toEqual(
+      expect.arrayContaining([
+        { kind: "operation", id: changeTrustOperation.id, type: "change_trust" },
+        { kind: "effect", id: tradeEffect.id, type: "trade" },
+        { kind: "effect", id: trustlineEffect.id, type: "trustline_created" }
+      ])
+    );
+  });
+
+  it("returns unsupported_operation when no payment ops exist", () => {
+    expect(linkOperationsToEffects([changeTrustOperation], [trustlineEffect])).toEqual({
+      ok: false,
+      code: "unsupported_operation"
+    });
+  });
+
+  it("returns incomplete_effects when a credit is missing", () => {
+    expect(linkOperationsToEffects([paymentOperation], [debitEffect])).toEqual({
+      ok: false,
+      code: "incomplete_effects"
+    });
+  });
+});
diff --git a/features/payment-receipt-reconciler/__tests__/format.test.ts b/features/payment-receipt-reconciler/__tests__/format.test.ts
new file mode 100644
index 0000000..012fc21
--- /dev/null
+++ b/features/payment-receipt-reconciler/__tests__/format.test.ts
@@ -0,0 +1,75 @@
+import { describe, expect, it } from "vitest";
+import {
+  assetKey,
+  formatAmount,
+  formatAmountWithAsset,
+  formatAsset,
+  formatFee,
+  formatNetwork,
+  formatPublicReceipt,
+  stroopsToXlm,
+  toStroops
+} from "@/features/payment-receipt-reconciler/lib/format";
+import { issuerAccount } from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+
+describe("formatAmount", () => {
+  it("formats with thousands separators and strips trailing zeros", () => {
+    expect(formatAmount("12.5000000")).toBe("12.5");
+    expect(formatAmount("1000.0000001")).toBe("1,000.0000001");
+  });
+
+  it("passes malformed Horizon values through", () => {
+    expect(formatAmount("not-an-amount")).toBe("not-an-amount");
+  });
+});
+
+describe("toStroops", () => {
+  it("converts without floating point", () => {
+    expect(toStroops("1.0000000")).toBe(10_000_000n);
+    expect(toStroops("0.0000001")).toBe(1n);
+  });
+});
+
+describe("formatAsset", () => {
+  it("renders native and credit assets", () => {
+    expect(formatAsset({ type: "native" })).toBe("XLM");
+    expect(formatAsset({ type: "credit", code: "USDC", issuer: issuerAccount })).toBe(
+      `USDC:${issuerAccount}`
+    );
+  });
+});
+
+describe("assetKey", () => {
+  it("keys native and credit assets distinctly", () => {
+    expect(assetKey({ type: "native" })).toBe("native");
+    expect(assetKey({ type: "credit", code: "USDC", issuer: issuerAccount })).toBe(
+      `USDC:${issuerAccount}`
+    );
+  });
+});
+
+describe("formatFee", () => {
+  it("shows stroops and XLM together", () => {
+    expect(stroopsToXlm("100")).toBe("0.00001");
+    expect(formatFee("100")).toBe("100 stroops (0.00001 XLM)");
+  });
+});
+
+describe("formatPublicReceipt", () => {
+  it("builds a copyable three-line receipt", () => {
+    expect(
+      formatPublicReceipt({
+        hash: "a".repeat(64),
+        network: "testnet",
+        ledger: 42
+      })
+    ).toContain("Testnet");
+    expect(formatNetwork("mainnet")).toBe("Mainnet");
+  });
+});
+
+describe("formatAmountWithAsset", () => {
+  it("joins amount and compact asset label", () => {
+    expect(formatAmountWithAsset("1.5", { type: "native" })).toBe("1.5 XLM");
+  });
+});
diff --git a/features/payment-receipt-reconciler/__tests__/paymentReceiptReconciler.test.ts b/features/payment-receipt-reconciler/__tests__/paymentReceiptReconciler.test.ts
new file mode 100644
index 0000000..43c1867
--- /dev/null
+++ b/features/payment-receipt-reconciler/__tests__/paymentReceiptReconciler.test.ts
@@ -0,0 +1,78 @@
+import { describe, expect, it } from "vitest";
+import { withMswHandlers } from "@/core/testing/msw";
+import { runPaymentReceiptReconciler } from "@/features/payment-receipt-reconciler/lib/paymentReceiptReconciler";
+import {
+  effectsUnavailableHandler,
+  handlers
+} from "@/features/payment-receipt-reconciler/msw/handlers";
+import {
+  failedHash,
+  incompleteHash,
+  missingHash,
+  paymentOpId,
+  successfulHash,
+  unsupportedHash
+} from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+import { mixedEffectsHash } from "@/features/payment-receipt-reconciler/fixtures/mixed-effects.fixture";
+import { errorCopy } from "@/features/payment-receipt-reconciler/copy";
+
+const server = withMswHandlers(...handlers);
+
+describe("runPaymentReceiptReconciler", () => {
+  it("reconciles a successful payment with linked effects and totals", async () => {
+    const result = await runPaymentReceiptReconciler({ hash: successfulHash }, "testnet");
+
+    expect(result.ok).toBe(true);
+    if (!result.ok) return;
+    expect(result.value.operations[0].id).toBe(paymentOpId);
+    expect(result.value.links[0].debits).toHaveLength(1);
+    expect(result.value.links[0].credits).toHaveLength(1);
+    expect(result.value.totals.feeCharged).toBe("100");
+    expect(result.value.publicReceipt).toEqual({
+      hash: successfulHash,
+      network: "testnet",
+      ledger: 2_048_000
+    });
+  });
+
+  it("keeps unrelated ops and effects visible on mixed transactions", async () => {
+    const result = await runPaymentReceiptReconciler({ hash: mixedEffectsHash }, "testnet");
+
+    expect(result.ok).toBe(true);
+    if (!result.ok) return;
+    expect(result.value.operations[0].type).toBe("path_payment_strict_send");
+    expect(result.value.outside.some((item) => item.type === "change_trust")).toBe(true);
+    expect(result.value.outside.some((item) => item.type === "trade")).toBe(true);
+  });
+
+  it("rejects a failed transaction", async () => {
+    const result = await runPaymentReceiptReconciler({ hash: failedHash }, "testnet");
+    expect(result).toEqual({ ok: false, code: "transaction_failed" });
+    expect(errorCopy.transaction_failed.title).toBeTruthy();
+  });
+
+  it("rejects a missing transaction", async () => {
+    const result = await runPaymentReceiptReconciler({ hash: missingHash }, "testnet");
+    expect(result).toEqual({ ok: false, code: "transaction_not_found" });
+    expect(errorCopy.transaction_not_found.description).toMatch(/network/i);
+  });
+
+  it("rejects transactions without payment operations", async () => {
+    const result = await runPaymentReceiptReconciler({ hash: unsupportedHash }, "testnet");
+    expect(result).toEqual({ ok: false, code: "unsupported_operation" });
+    expect(errorCopy.unsupported_operation.description).toMatch(/path-payment/i);
+  });
+
+  it("rejects payments with incomplete effects", async () => {
+    const result = await runPaymentReceiptReconciler({ hash: incompleteHash }, "testnet");
+    expect(result).toEqual({ ok: false, code: "incomplete_effects" });
+    expect(errorCopy.incomplete_effects.title).toBeTruthy();
+  });
+
+  it("maps transport failures to request_failed", async () => {
+    server.use(effectsUnavailableHandler);
+    const result = await runPaymentReceiptReconciler({ hash: successfulHash }, "testnet");
+    expect(result).toEqual({ ok: false, code: "request_failed" });
+    expect(errorCopy.request_failed.description).toMatch(/connection/i);
+  });
+});
diff --git a/features/payment-receipt-reconciler/__tests__/receipt-amounts.test.ts b/features/payment-receipt-reconciler/__tests__/receipt-amounts.test.ts
new file mode 100644
index 0000000..8e4a762
--- /dev/null
+++ b/features/payment-receipt-reconciler/__tests__/receipt-amounts.test.ts
@@ -0,0 +1,101 @@
+import { describe, expect, it } from "vitest";
+import {
+  stroopsToAmount,
+  sumReceiptAmounts
+} from "@/features/payment-receipt-reconciler/lib/receipt-amounts";
+import type { EffectLink } from "@/features/payment-receipt-reconciler/types";
+import {
+  destinationAccount,
+  issuerAccount,
+  paymentOpId,
+  sourceAccount
+} from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+
+const nativeLink: EffectLink = {
+  operationId: paymentOpId,
+  debits: [
+    {
+      id: `${paymentOpId}-1`,
+      type: "account_debited",
+      account: sourceAccount,
+      amount: "12.5000000",
+      asset: { type: "native" },
+      operationId: paymentOpId
+    }
+  ],
+  credits: [
+    {
+      id: `${paymentOpId}-2`,
+      type: "account_credited",
+      account: destinationAccount,
+      amount: "12.5000000",
+      asset: { type: "native" },
+      operationId: paymentOpId
+    }
+  ]
+};
+
+describe("stroopsToAmount", () => {
+  it("round-trips integer stroops", () => {
+    expect(stroopsToAmount(125_000_000n)).toBe("12.5");
+    expect(stroopsToAmount(1n)).toBe("0.0000001");
+  });
+});
+
+describe("sumReceiptAmounts", () => {
+  it("sums exact debits and credits and keeps the fee separate", () => {
+    const totals = sumReceiptAmounts([nativeLink], "100");
+
+    expect(totals.debits).toEqual([{ asset: { type: "native" }, amount: "12.5" }]);
+    expect(totals.credits).toEqual([{ asset: { type: "native" }, amount: "12.5" }]);
+    expect(totals.feeCharged).toBe("100");
+  });
+
+  it("groups credit assets by code and issuer", () => {
+    const creditAsset = { type: "credit" as const, code: "USDC", issuer: issuerAccount };
+    const link: EffectLink = {
+      operationId: paymentOpId,
+      debits: [
+        {
+          id: `${paymentOpId}-1`,
+          type: "account_debited",
+          account: sourceAccount,
+          amount: "10.0000000",
+          asset: { type: "native" },
+          operationId: paymentOpId
+        },
+        {
+          id: `${paymentOpId}-3`,
+          type: "account_debited",
+          account: sourceAccount,
+          amount: "2.5000000",
+          asset: { type: "native" },
+          operationId: paymentOpId
+        }
+      ],
+      credits: [
+        {
+          id: `${paymentOpId}-2`,
+          type: "account_credited",
+          account: destinationAccount,
+          amount: "5.0000000",
+          asset: creditAsset,
+          operationId: paymentOpId
+        },
+        {
+          id: `${paymentOpId}-4`,
+          type: "account_credited",
+          account: destinationAccount,
+          amount: "1.2500000",
+          asset: creditAsset,
+          operationId: paymentOpId
+        }
+      ]
+    };
+
+    const totals = sumReceiptAmounts([link], "300");
+    expect(totals.debits).toEqual([{ asset: { type: "native" }, amount: "12.5" }]);
+    expect(totals.credits).toEqual([{ asset: creditAsset, amount: "6.25" }]);
+    expect(totals.feeCharged).toBe("300");
+  });
+});
diff --git a/features/payment-receipt-reconciler/__tests__/receipt-fetch.test.ts b/features/payment-receipt-reconciler/__tests__/receipt-fetch.test.ts
new file mode 100644
index 0000000..02605fc
--- /dev/null
+++ b/features/payment-receipt-reconciler/__tests__/receipt-fetch.test.ts
@@ -0,0 +1,55 @@
+import { describe, expect, it } from "vitest";
+import { withMswHandlers } from "@/core/testing/msw";
+import {
+  fetchReceiptBundle,
+  parseReceiptAsset
+} from "@/features/payment-receipt-reconciler/lib/receipt-fetch";
+import {
+  effectsUnavailableHandler,
+  handlers
+} from "@/features/payment-receipt-reconciler/msw/handlers";
+import {
+  missingHash,
+  paymentOpId,
+  sourceAccount,
+  successfulHash
+} from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+import { issuerAccount } from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+
+const server = withMswHandlers(...handlers);
+
+describe("parseReceiptAsset", () => {
+  it("maps native and credit assets", () => {
+    expect(parseReceiptAsset("native")).toEqual({ type: "native" });
+    expect(parseReceiptAsset("credit_alphanum4", "USDC", issuerAccount)).toEqual({
+      type: "credit",
+      code: "USDC",
+      issuer: issuerAccount
+    });
+    expect(parseReceiptAsset("credit_alphanum4", "USDC")).toBeNull();
+  });
+});
+
+describe("fetchReceiptBundle", () => {
+  it("returns transaction, operations and effects together", async () => {
+    const result = await fetchReceiptBundle(successfulHash, "testnet");
+
+    expect(result.ok).toBe(true);
+    if (!result.ok) return;
+    expect(result.value.transaction.hash).toBe(successfulHash);
+    expect(result.value.operations[0].id).toBe(paymentOpId);
+    expect(result.value.effects).toHaveLength(2);
+    expect(result.value.transaction.source_account).toBe(sourceAccount);
+  });
+
+  it("maps a missing transaction to transaction_not_found", async () => {
+    const result = await fetchReceiptBundle(missingHash, "testnet");
+    expect(result).toEqual({ ok: false, code: "transaction_not_found" });
+  });
+
+  it("maps a failed effects request to request_failed", async () => {
+    server.use(effectsUnavailableHandler);
+    const result = await fetchReceiptBundle(successfulHash, "testnet");
+    expect(result).toEqual({ ok: false, code: "request_failed" });
+  });
+});
diff --git a/features/payment-receipt-reconciler/__tests__/schema.test.ts b/features/payment-receipt-reconciler/__tests__/schema.test.ts
new file mode 100644
index 0000000..e354031
--- /dev/null
+++ b/features/payment-receipt-reconciler/__tests__/schema.test.ts
@@ -0,0 +1,53 @@
+import { describe, expect, it } from "vitest";
+import {
+  isLikelyTransactionHash,
+  parsePaymentReceiptReconcilerInput
+} from "@/features/payment-receipt-reconciler/schema";
+import { successfulHash } from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+
+describe("parsePaymentReceiptReconcilerInput", () => {
+  it("rejects empty input", () => {
+    expect(parsePaymentReceiptReconcilerInput("")).toEqual({
+      ok: false,
+      code: "empty_input"
+    });
+    expect(parsePaymentReceiptReconcilerInput("   ")).toEqual({
+      ok: false,
+      code: "empty_input"
+    });
+  });
+
+  it("rejects account addresses and short hex", () => {
+    expect(parsePaymentReceiptReconcilerInput("GABC")).toEqual({
+      ok: false,
+      code: "invalid_hash"
+    });
+    expect(parsePaymentReceiptReconcilerInput("abc")).toEqual({
+      ok: false,
+      code: "invalid_hash"
+    });
+  });
+
+  it("accepts a 64-character hash and lowercases it", () => {
+    const upper = "A".repeat(64);
+    expect(parsePaymentReceiptReconcilerInput(upper)).toEqual({
+      ok: true,
+      value: { hash: successfulHash }
+    });
+  });
+
+  it("strips whitespace inside a pasted hash", () => {
+    const spaced = `${"a".repeat(32)} ${"a".repeat(32)}`;
+    expect(parsePaymentReceiptReconcilerInput(spaced)).toEqual({
+      ok: true,
+      value: { hash: successfulHash }
+    });
+  });
+});
+
+describe("isLikelyTransactionHash", () => {
+  it("matches only 64 hex characters", () => {
+    expect(isLikelyTransactionHash(successfulHash)).toBe(true);
+    expect(isLikelyTransactionHash("not-a-hash")).toBe(false);
+  });
+});
diff --git a/features/payment-receipt-reconciler/__tests__/usePaymentReceiptReconciler.test.tsx b/features/payment-receipt-reconciler/__tests__/usePaymentReceiptReconciler.test.tsx
new file mode 100644
index 0000000..88fbd28
--- /dev/null
+++ b/features/payment-receipt-reconciler/__tests__/usePaymentReceiptReconciler.test.tsx
@@ -0,0 +1,85 @@
+import { describe, expect, it } from "vitest";
+import { act, renderHook, waitFor } from "@testing-library/react";
+import { NetworkProvider, useNetwork } from "@/core/network/NetworkProvider";
+import { withMswHandlers } from "@/core/testing/msw";
+import { usePaymentReceiptReconciler } from "@/features/payment-receipt-reconciler/hooks/usePaymentReceiptReconciler";
+import { handlers } from "@/features/payment-receipt-reconciler/msw/handlers";
+import {
+  missingHash,
+  successfulHash
+} from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+
+withMswHandlers(...handlers);
+
+function wrapper({ children }: { children: React.ReactNode }) {
+  return <NetworkProvider initialNetwork="testnet">{children}</NetworkProvider>;
+}
+
+describe("usePaymentReceiptReconciler", () => {
+  it("starts idle", () => {
+    const { result } = renderHook(() => usePaymentReceiptReconciler(), { wrapper });
+    expect(result.current.state).toEqual({ status: "idle" });
+  });
+
+  it("loads a reconciled receipt", async () => {
+    const { result } = renderHook(() => usePaymentReceiptReconciler(), { wrapper });
+
+    await act(async () => {
+      await result.current.submit(successfulHash);
+    });
+
+    await waitFor(() => expect(result.current.state.status).toBe("success"));
+  });
+
+  it("rejects a malformed hash without a request", async () => {
+    const { result } = renderHook(() => usePaymentReceiptReconciler(), { wrapper });
+
+    await act(async () => {
+      await result.current.submit("not-a-hash");
+    });
+
+    expect(result.current.state).toEqual({ status: "error", code: "invalid_hash" });
+  });
+
+  it("reports a hash that does not exist", async () => {
+    const { result } = renderHook(() => usePaymentReceiptReconciler(), { wrapper });
+
+    await act(async () => {
+      await result.current.submit(missingHash);
+    });
+
+    await waitFor(() =>
+      expect(result.current.state).toEqual({
+        status: "error",
+        code: "transaction_not_found"
+      })
+    );
+  });
+
+  it("clears state on reset", async () => {
+    const { result } = renderHook(() => usePaymentReceiptReconciler(), { wrapper });
+
+    await act(async () => {
+      await result.current.submit(successfulHash);
+    });
+    await waitFor(() => expect(result.current.state.status).toBe("success"));
+
+    act(() => result.current.reset());
+    expect(result.current.state).toEqual({ status: "idle" });
+  });
+
+  it("derives away results when the network changes", async () => {
+    const { result } = renderHook(
+      () => ({ tool: usePaymentReceiptReconciler(), network: useNetwork() }),
+      { wrapper }
+    );
+
+    await act(async () => {
+      await result.current.tool.submit(successfulHash);
+    });
+    await waitFor(() => expect(result.current.tool.state.status).toBe("success"));
+
+    act(() => result.current.network.setNetwork("mainnet"));
+    expect(result.current.tool.state).toEqual({ status: "idle" });
+  });
+});
diff --git a/features/payment-receipt-reconciler/components/EffectEvidence.tsx b/features/payment-receipt-reconciler/components/EffectEvidence.tsx
new file mode 100644
index 0000000..3e0b69d
--- /dev/null
+++ b/features/payment-receipt-reconciler/components/EffectEvidence.tsx
@@ -0,0 +1,79 @@
+import { Card, CardHeader, CardTitle } from "@/core/ui/Card";
+import { CopyableValue } from "@/core/ui/CopyableValue";
+import { copy } from "@/features/payment-receipt-reconciler/copy";
+import {
+  formatAmountWithAsset,
+  formatEffectType
+} from "@/features/payment-receipt-reconciler/lib/format";
+import type { EffectLink } from "@/features/payment-receipt-reconciler/types";
+
+export function EffectEvidence({ links }: { links: EffectLink[] }) {
+  return (
+    <Card>
+      <CardHeader>
+        <CardTitle>{copy.effectsTitle}</CardTitle>
+      </CardHeader>
+
+      <ul className="space-y-4">
+        {links.map((link) => (
+          <li key={link.operationId} className="space-y-2">
+            <p className="text-xs font-medium uppercase tracking-wide text-[#8a98aa]">
+              {copy.operationIdLabel}:{" "}
+              <CopyableValue
+                label={copy.operationIdLabel}
+                value={link.operationId}
+                visible={6}
+              />
+            </p>
+
+            <EffectGroup title={copy.linkedDebits} effects={link.debits} />
+            <EffectGroup title={copy.linkedCredits} effects={link.credits} />
+          </li>
+        ))}
+      </ul>
+    </Card>
+  );
+}
+
+function EffectGroup({
+  title,
+  effects
+}: {
+  title: string;
+  effects: EffectLink["debits"];
+}) {
+  return (
+    <div className="space-y-2">
+      <h3 className="text-sm font-semibold text-[#172033]">{title}</h3>
+      <ul className="space-y-2">
+        {effects.map((effect) => (
+          <li
+            key={effect.id}
+            className="rounded-md border border-[#e3ebf5] bg-white/60 px-3 py-2 text-sm"
+          >
+            <div className="flex flex-wrap items-center gap-x-3 gap-y-1">
+              <span className="font-semibold text-[#172033]">
+                {formatEffectType(effect.type)}
+              </span>
+              <CopyableValue label={copy.effectIdLabel} value={effect.id} visible={8} />
+            </div>
+            <dl className="mt-1 grid gap-1 text-[#68758a]">
+              <div className="flex flex-wrap gap-x-2">
+                <dt>{copy.accountLabel}</dt>
+                <dd>
+                  <CopyableValue label={copy.accountLabel} value={effect.account} visible={4} />
+                </dd>
+              </div>
+              <div className="flex flex-wrap gap-x-2">
+                <dt>{copy.amountLabel}</dt>
+                <dd className="font-mono text-[#172033]">
+                  {formatAmountWithAsset(effect.amount, effect.asset)}
+                </dd>
+              </div>
+            </dl>
+          </li>
+        ))}
+      </ul>
+    </div>
+  );
+}
diff --git a/features/payment-receipt-reconciler/components/PaymentOperations.tsx b/features/payment-receipt-reconciler/components/PaymentOperations.tsx
new file mode 100644
index 0000000..a5c8cd8
--- /dev/null
+++ b/features/payment-receipt-reconciler/components/PaymentOperations.tsx
@@ -0,0 +1,63 @@
+import { Card, CardHeader, CardTitle } from "@/core/ui/Card";
+import { CopyableValue } from "@/core/ui/CopyableValue";
+import { copy } from "@/features/payment-receipt-reconciler/copy";
+import {
+  formatAmountWithAsset,
+  formatOperationType
+} from "@/features/payment-receipt-reconciler/lib/format";
+import type { PaymentOperation } from "@/features/payment-receipt-reconciler/types";
+
+export function PaymentOperations({ operations }: { operations: PaymentOperation[] }) {
+  return (
+    <Card>
+      <CardHeader>
+        <CardTitle>{copy.operationsTitle}</CardTitle>
+      </CardHeader>
+
+      <ol className="space-y-3">
+        {operations.map((operation) => (
+          <li
+            key={operation.id}
+            className="space-y-2 rounded-md border border-[#e3ebf5] bg-white/60 px-3 py-3 text-sm"
+          >
+            <div className="flex flex-wrap items-center gap-x-3 gap-y-1">
+              <span className="font-semibold text-[#172033]">
+                {formatOperationType(operation.type)}
+              </span>
+              <CopyableValue label={copy.operationIdLabel} value={operation.id} visible={6} />
+            </div>
+
+            <dl className="grid gap-1 text-[#68758a]">
+              <div className="flex flex-wrap gap-x-2">
+                <dt>{copy.fromLabel}</dt>
+                <dd>
+                  <CopyableValue label={copy.fromLabel} value={operation.from} visible={4} />
+                </dd>
+              </div>
+              <div className="flex flex-wrap gap-x-2">
+                <dt>{copy.toLabel}</dt>
+                <dd>
+                  <CopyableValue label={copy.toLabel} value={operation.to} visible={4} />
+                </dd>
+              </div>
+              <div className="flex flex-wrap gap-x-2">
+                <dt>{copy.amountLabel}</dt>
+                <dd className="font-mono text-[#172033]">
+                  {formatAmountWithAsset(operation.amount, operation.asset)}
+                </dd>
+              </div>
+              {operation.sourceAmount && operation.sourceAsset ? (
+                <div className="flex flex-wrap gap-x-2">
+                  <dt>{copy.sourceAmountLabel}</dt>
+                  <dd className="font-mono text-[#172033]">
+                    {formatAmountWithAsset(operation.sourceAmount, operation.sourceAsset)}
+                  </dd>
+                </div>
+              ) : null}
+            </dl>
+          </li>
+        ))}
+      </ol>
+    </Card>
+  );
+}
diff --git a/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerEmptyState.tsx b/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerEmptyState.tsx
new file mode 100644
index 0000000..4dd5085
--- /dev/null
+++ b/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerEmptyState.tsx
@@ -0,0 +1,9 @@
+import { Receipt } from "lucide-react";
+import { EmptyState } from "@/core/ui/EmptyState";
+import { copy } from "@/features/payment-receipt-reconciler/copy";
+
+export function PaymentReceiptReconcilerEmptyState() {
+  return (
+    <EmptyState icon={Receipt} title={copy.emptyTitle} description={copy.emptyDescription} />
+  );
+}
diff --git a/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerForm.tsx b/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerForm.tsx
new file mode 100644
index 0000000..99effd7
--- /dev/null
+++ b/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerForm.tsx
@@ -0,0 +1,48 @@
+"use client";
+
+import { useState, type FormEvent } from "react";
+import { Button } from "@/core/ui/Button";
+import { Field } from "@/core/ui/Field";
+import { Input } from "@/core/ui/Input";
+import { useNetwork } from "@/core/network/NetworkProvider";
+import { copy } from "@/features/payment-receipt-reconciler/copy";
+
+export function PaymentReceiptReconcilerForm({
+  onSubmit,
+  pending
+}: {
+  onSubmit: (value: string) => void;
+  pending: boolean;
+}) {
+  const [value, setValue] = useState("");
+  const { label } = useNetwork();
+
+  function handleSubmit(event: FormEvent<HTMLFormElement>) {
+    event.preventDefault();
+    onSubmit(value);
+  }
+
+  return (
+    <form onSubmit={handleSubmit} className="space-y-4" noValidate>
+      <Field label={copy.formLabel} hint={`${copy.formHint} Searching ${label}.`} required>
+        {({ inputId, describedBy, invalid, required }) => (
+          <Input
+            id={inputId}
+            aria-describedby={describedBy}
+            aria-invalid={invalid}
+            required={required}
+            value={value}
+            onChange={(event) => setValue(event.target.value)}
+            placeholder="3389e9f0f1a65f19736cacf544c2e825313e8447f569233bb8db39aa607c8889"
+            autoComplete="off"
+            spellCheck={false}
+            className="font-mono text-xs"
+          />
+        )}
+      </Field>
+      <Button type="submit" disabled={pending}>
+        {pending ? copy.loading : copy.submit}
+      </Button>
+    </form>
+  );
+}
diff --git a/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerPanel.tsx b/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerPanel.tsx
new file mode 100644
index 0000000..52791b9
--- /dev/null
+++ b/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerPanel.tsx
@@ -0,0 +1,45 @@
+"use client";
+
+import { Card } from "@/core/ui/Card";
+import { SkeletonRows } from "@/core/ui/Skeleton";
+import { StatusMessage } from "@/core/ui/StatusMessage";
+import { usePaymentReceiptReconciler } from "@/features/payment-receipt-reconciler/hooks/usePaymentReceiptReconciler";
+import { copy, errorCopy } from "@/features/payment-receipt-reconciler/copy";
+import { PaymentReceiptReconcilerForm } from "@/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerForm";
+import { PaymentReceiptReconcilerResult } from "@/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerResult";
+import { PaymentReceiptReconcilerEmptyState } from "@/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerEmptyState";
+
+export function PaymentReceiptReconcilerPanel() {
+  const { state, submit } = usePaymentReceiptReconciler();
+
+  return (
+    <div className="space-y-5">
+      <Card>
+        <PaymentReceiptReconcilerForm onSubmit={submit} pending={state.status === "loading"} />
+      </Card>
+
+      {state.status === "loading" ? (
+        <Card>
+          <p className="sr-only" role="status">
+            {copy.loading}
+          </p>
+          <SkeletonRows rows={5} />
+        </Card>
+      ) : null}
+
+      {state.status === "error" ? (
+        <StatusMessage
+          type="error"
+          title={errorCopy[state.code].title}
+          description={errorCopy[state.code].description}
+        />
+      ) : null}
+
+      {state.status === "success" ? (
+        <PaymentReceiptReconcilerResult result={state.result} />
+      ) : null}
+
+      {state.status === "idle" ? <PaymentReceiptReconcilerEmptyState /> : null}
+    </div>
+  );
+}
diff --git a/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerResult.tsx b/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerResult.tsx
new file mode 100644
index 0000000..01a641c
--- /dev/null
+++ b/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerResult.tsx
@@ -0,0 +1,120 @@
+"use client";
+
+import { useState } from "react";
+import { Card, CardHeader, CardTitle } from "@/core/ui/Card";
+import { Button } from "@/core/ui/Button";
+import { CopyableValue } from "@/core/ui/CopyableValue";
+import { DataList } from "@/core/ui/DataList";
+import { copyText } from "@/core/lib/clipboard";
+import { copy } from "@/features/payment-receipt-reconciler/copy";
+import { EffectEvidence } from "@/features/payment-receipt-reconciler/components/EffectEvidence";
+import { PaymentOperations } from "@/features/payment-receipt-reconciler/components/PaymentOperations";
+import { ReceiptTotals } from "@/features/payment-receipt-reconciler/components/ReceiptTotals";
+import {
+  formatNetwork,
+  formatPublicReceipt,
+  formatTimestamp
+} from "@/features/payment-receipt-reconciler/lib/format";
+import type { PaymentReceipt } from "@/features/payment-receipt-reconciler/types";
+
+export function PaymentReceiptReconcilerResult({ result }: { result: PaymentReceipt }) {
+  const [copied, setCopied] = useState(false);
+  const publicText = formatPublicReceipt(result.publicReceipt);
+
+  async function handleCopyReceipt() {
+    try {
+      await copyText(publicText);
+      setCopied(true);
+      window.setTimeout(() => setCopied(false), 1600);
+    } catch {
+      setCopied(false);
+    }
+  }
+
+  return (
+    <div className="space-y-4">
+      <Card>
+        <CardHeader>
+          <CardTitle>{copy.publicReceiptTitle}</CardTitle>
+        </CardHeader>
+        <DataList
+          items={[
+            {
+              label: copy.hashLabel,
+              value: (
+                <CopyableValue label={copy.hashLabel} value={result.publicReceipt.hash} visible={8} />
+              )
+            },
+            {
+              label: copy.networkLabel,
+              value: formatNetwork(result.publicReceipt.network)
+            },
+            {
+              label: copy.ledgerLabel,
+              value: String(result.publicReceipt.ledger),
+              mono: true
+            }
+          ]}
+        />
+        <div className="mt-3">
+          <Button type="button" variant="secondary" size="sm" onClick={handleCopyReceipt}>
+            {copied ? copy.copiedReceipt : copy.copyReceipt}
+          </Button>
+          <span className="sr-only" role="status" aria-live="polite">
+            {copied ? copy.copiedReceipt : ""}
+          </span>
+        </div>
+      </Card>
+
+      <Card>
+        <CardHeader>
+          <CardTitle>{copy.resultTitle}</CardTitle>
+        </CardHeader>
+        <DataList
+          items={[
+            {
+              label: "Source account",
+              value: (
+                <CopyableValue label="source account" value={result.sourceAccount} visible={4} />
+              )
+            },
+            { label: "Created", value: formatTimestamp(result.createdAt) }
+          ]}
+        />
+      </Card>
+
+      <PaymentOperations operations={result.operations} />
+      <EffectEvidence links={result.links} />
+      <ReceiptTotals totals={result.totals} />
+
+      <Card>
+        <CardHeader>
+          <CardTitle>{copy.outsideTitle}</CardTitle>
+        </CardHeader>
+        {result.outside.length === 0 ? (
+          <p className="text-sm text-[#68758a]">{copy.noOutside}</p>
+        ) : (
+          <>
+            <p className="mb-3 text-sm text-[#68758a]">{copy.outsideDescription}</p>
+            <ul className="space-y-2">
+              {result.outside.map((item) => (
+                <li
+                  key={`${item.kind}-${item.id}`}
+                  className="flex flex-wrap items-center gap-x-3 gap-y-1 rounded-md border border-[#e3ebf5] bg-white/60 px-3 py-2 text-sm"
+                >
+                  <span className="text-xs uppercase tracking-wide text-[#8a98aa]">
+                    {item.kind}
+                  </span>
+                  <span className="font-semibold text-[#172033]">
+                    {item.type.replace(/_/g, " ")}
+                  </span>
+                  <CopyableValue label={`${item.kind} id`} value={item.id} visible={6} />
+                </li>
+              ))}
+            </ul>
+          </>
+        )}
+      </Card>
+    </div>
+  );
+}
diff --git a/features/payment-receipt-reconciler/components/ReceiptTotals.tsx b/features/payment-receipt-reconciler/components/ReceiptTotals.tsx
new file mode 100644
index 0000000..fdbd67b
--- /dev/null
+++ b/features/payment-receipt-reconciler/components/ReceiptTotals.tsx
@@ -0,0 +1,37 @@
+import { Card, CardHeader, CardTitle } from "@/core/ui/Card";
+import { DataList } from "@/core/ui/DataList";
+import { copy } from "@/features/payment-receipt-reconciler/copy";
+import {
+  formatAmountWithAsset,
+  formatFee
+} from "@/features/payment-receipt-reconciler/lib/format";
+import type { ReceiptTotals } from "@/features/payment-receipt-reconciler/types";
+
+export function ReceiptTotals({ totals }: { totals: ReceiptTotals }) {
+  const debitValue =
+    totals.debits.length === 0
+      ? "—"
+      : totals.debits.map((entry) => formatAmountWithAsset(entry.amount, entry.asset)).join(", ");
+
+  const creditValue =
+    totals.credits.length === 0
+      ? "—"
+      : totals.credits
+          .map((entry) => formatAmountWithAsset(entry.amount, entry.asset))
+          .join(", ");
+
+  return (
+    <Card>
+      <CardHeader>
+        <CardTitle>{copy.totalsTitle}</CardTitle>
+      </CardHeader>
+      <DataList
+        items={[
+          { label: copy.debitLabel, value: debitValue, mono: true },
+          { label: copy.creditLabel, value: creditValue, mono: true },
+          { label: copy.feeLabel, value: formatFee(totals.feeCharged) }
+        ]}
+      />
+    </Card>
+  );
+}
diff --git a/features/payment-receipt-reconciler/copy.ts b/features/payment-receipt-reconciler/copy.ts
new file mode 100644
index 0000000..6edb2fe
--- /dev/null
+++ b/features/payment-receipt-reconciler/copy.ts
@@ -0,0 +1,94 @@
+import type { PaymentReceiptReconcilerErrorCode } from "@/features/payment-receipt-reconciler/types";
+
+export const copy = {
+  formLabel: "Transaction hash",
+  formHint: "64 hexadecimal characters from a completed payment or path-payment.",
+  submit: "Reconcile receipt",
+  loading: "Reconciling...",
+  emptyTitle: "No receipt reconciled yet",
+  emptyDescription:
+    "Paste a successful payment or path-payment transaction hash to link its operations with account debit and credit effects.",
+  resultTitle: "Payment receipt",
+  publicReceiptTitle: "Public receipt",
+  operationsTitle: "Payment operations",
+  effectsTitle: "Effect evidence",
+  totalsTitle: "Exact totals",
+  outsideTitle: "Outside this receipt",
+  outsideDescription:
+    "These operations or effects belong to the transaction but are not part of the payment transfer itself.",
+  noOutside: "Every operation and effect in this transaction is part of the receipt.",
+  feeLabel: "Fee charged",
+  networkLabel: "Network",
+  ledgerLabel: "Ledger",
+  hashLabel: "Transaction hash",
+  debitLabel: "Debits",
+  creditLabel: "Credits",
+  linkedDebits: "Linked debits",
+  linkedCredits: "Linked credits",
+  operationIdLabel: "Operation ID",
+  effectIdLabel: "Effect ID",
+  fromLabel: "From",
+  toLabel: "To",
+  amountLabel: "Amount",
+  sourceAmountLabel: "Source amount",
+  accountLabel: "Account",
+  nativeAsset: "XLM",
+  unknownAsset: "Unknown asset",
+  copyReceipt: "Copy public receipt",
+  copiedReceipt: "Copied"
+} as const;
+
+export const errorCopy: Record<
+  PaymentReceiptReconcilerErrorCode,
+  { title: string; description: string }
+> = {
+  empty_input: {
+    title: "Enter a transaction hash",
+    description: "Paste the 64-character hash of the payment transaction you want to reconcile."
+  },
+  invalid_hash: {
+    title: "That is not a transaction hash",
+    description:
+      "Transaction hashes are exactly 64 hexadecimal characters (0-9 and a-f). Account addresses start with G and belong in the Balance Viewer instead."
+  },
+  transaction_not_found: {
+    title: "No transaction with this hash on the selected network",
+    description:
+      "Check the network switch in the header — a testnet hash does not exist on mainnet, and the reverse is also true."
+  },
+  transaction_failed: {
+    title: "This transaction failed on the ledger",
+    description:
+      "Only successful payments produce debit and credit effects. Look up a completed payment hash, or inspect the failure in Transaction Lookup."
+  },
+  unsupported_operation: {
+    title: "No payment or path-payment operations in this transaction",
+    description:
+      "This tool reconciles classic payment and path-payment operations only. Other operation types stay outside the receipt."
+  },
+  incomplete_effects: {
+    title: "Payment effects are incomplete for this transaction",
+    description:
+      "A supported payment operation is missing a visible debit or credit effect. Horizon may still be indexing — try again in a moment."
+  },
+  request_failed: {
+    title: "Could not reach Horizon",
+    description: "The request did not complete. Check your connection and try again."
+  }
+};
+
+export const operationTypeLabels: Record<string, string> = {
+  payment: "Payment",
+  path_payment_strict_send: "Path payment (strict send)",
+  path_payment_strict_receive: "Path payment (strict receive)"
+};
+
+export const effectTypeLabels: Record<string, string> = {
+  account_debited: "Account debited",
+  account_credited: "Account credited"
+};
+
+export const networkLabels: Record<string, string> = {
+  testnet: "Testnet",
+  mainnet: "Mainnet"
+};
diff --git a/features/payment-receipt-reconciler/e2e/mixed-effects.spec.ts b/features/payment-receipt-reconciler/e2e/mixed-effects.spec.ts
new file mode 100644
index 0000000..2123346
--- /dev/null
+++ b/features/payment-receipt-reconciler/e2e/mixed-effects.spec.ts
@@ -0,0 +1,18 @@
+export const spec = {
+  route: "/tools/payment-receipt-reconciler",
+  steps: [
+    { action: "visit", target: "/tools/payment-receipt-reconciler" },
+    { action: "expect", target: "heading", value: "Payment Receipt Reconciler" },
+    {
+      action: "fill",
+      target: "Transaction hash",
+      value: "<mixed path-payment + change_trust hash>"
+    },
+    { action: "click", target: "Reconcile receipt" },
+    { action: "expect", target: "text", value: "Path payment (strict send)" },
+    { action: "expect", target: "text", value: "Outside this receipt" },
+    { action: "expect", target: "text", value: "change trust" },
+    { action: "expect", target: "text", value: "trade" },
+    { action: "expect", target: "text", value: "Exact totals" }
+  ]
+} as const;
diff --git a/features/payment-receipt-reconciler/e2e/payment-receipt-reconciler.spec.ts b/features/payment-receipt-reconciler/e2e/payment-receipt-reconciler.spec.ts
new file mode 100644
index 0000000..4f9d5a0
--- /dev/null
+++ b/features/payment-receipt-reconciler/e2e/payment-receipt-reconciler.spec.ts
@@ -0,0 +1,15 @@
+export const spec = {
+  route: "/tools/payment-receipt-reconciler",
+  steps: [
+    { action: "visit", target: "/tools/payment-receipt-reconciler" },
+    { action: "expect", target: "heading", value: "Payment Receipt Reconciler" },
+    { action: "fill", target: "Transaction hash", value: "<64 hex characters>" },
+    { action: "click", target: "Reconcile receipt" },
+    { action: "expect", target: "text", value: "Public receipt" },
+    { action: "expect", target: "text", value: "Payment operations" },
+    { action: "expect", target: "text", value: "Effect evidence" },
+    { action: "expect", target: "text", value: "Exact totals" },
+    { action: "switchNetwork", value: "mainnet" },
+    { action: "expect", target: "text", value: "No receipt reconciled yet" }
+  ]
+} as const;
diff --git a/features/payment-receipt-reconciler/fixtures/mixed-effects.fixture.ts b/features/payment-receipt-reconciler/fixtures/mixed-effects.fixture.ts
new file mode 100644
index 0000000..e00abd0
--- /dev/null
+++ b/features/payment-receipt-reconciler/fixtures/mixed-effects.fixture.ts
@@ -0,0 +1,103 @@
+import {
+  changeTrustOperation,
+  creditEffect,
+  debitEffect,
+  destinationAccount,
+  issuerAccount,
+  pathPaymentOpId,
+  paymentOpId,
+  sourceAccount,
+  successfulTransaction,
+  trustlineEffect
+} from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+
+/**
+ * Mixed transaction: a path-payment plus an unrelated change_trust, with a
+ * trade effect sitting beside the debit/credit pair.
+ */
+export const mixedEffectsHash = "2".repeat(64);
+
+export const mixedEffectsTransaction = {
+  ...successfulTransaction,
+  hash: mixedEffectsHash,
+  id: mixedEffectsHash,
+  fee_charged: "300",
+  ledger: 3_200_002,
+  operation_count: 2
+};
+
+export const pathPaymentOperation = {
+  id: pathPaymentOpId,
+  type: "path_payment_strict_send",
+  source_account: sourceAccount,
+  from: sourceAccount,
+  to: destinationAccount,
+  amount: "5.0000000",
+  asset_type: "credit_alphanum4",
+  asset_code: "USDC",
+  asset_issuer: issuerAccount,
+  source_amount: "10.0000000",
+  source_asset_type: "native",
+  paging_token: pathPaymentOpId
+};
+
+export const pathDebitEffect = {
+  id: `${pathPaymentOpId}-1`,
+  type: "account_debited",
+  account: sourceAccount,
+  amount: "10.0000000",
+  asset_type: "native",
+  created_at: "2026-05-02T11:00:00Z",
+  paging_token: `${pathPaymentOpId}-1`
+};
+
+export const pathCreditEffect = {
+  id: `${pathPaymentOpId}-2`,
+  type: "account_credited",
+  account: destinationAccount,
+  amount: "5.0000000",
+  asset_type: "credit_alphanum4",
+  asset_code: "USDC",
+  asset_issuer: issuerAccount,
+  created_at: "2026-05-02T11:00:00Z",
+  paging_token: `${pathPaymentOpId}-2`
+};
+
+export const tradeEffect = {
+  id: `${pathPaymentOpId}-3`,
+  type: "trade",
+  account: sourceAccount,
+  sold_amount: "10.0000000",
+  sold_asset_type: "native",
+  bought_amount: "5.0000000",
+  bought_asset_type: "credit_alphanum4",
+  bought_asset_code: "USDC",
+  bought_asset_issuer: issuerAccount,
+  created_at: "2026-05-02T11:00:00Z",
+  paging_token: `${pathPaymentOpId}-3`
+};
+
+function page<T>(records: T[]) {
+  return {
+    _links: { self: { href: "" }, next: { href: "" }, prev: { href: "" } },
+    _embedded: { records }
+  };
+}
+
+export const mixedEffectsOperationsPage = page([pathPaymentOperation, changeTrustOperation]);
+export const mixedEffectsEffectsPage = page([
+  pathDebitEffect,
+  pathCreditEffect,
+  tradeEffect,
+  trustlineEffect
+]);
+
+export {
+  sourceAccount,
+  destinationAccount,
+  issuerAccount,
+  paymentOpId,
+  pathPaymentOpId,
+  debitEffect,
+  creditEffect
+};
diff --git a/features/payment-receipt-reconciler/fixtures/payment-receipt.fixture.ts b/features/payment-receipt-reconciler/fixtures/payment-receipt.fixture.ts
new file mode 100644
index 0000000..202b3a8
--- /dev/null
+++ b/features/payment-receipt-reconciler/fixtures/payment-receipt.fixture.ts
@@ -0,0 +1,48 @@
+import {
+  changeTrustOperation,
+  creditEffect,
+  debitEffect,
+  destinationAccount,
+  issuerAccount,
+  paymentOpId,
+  paymentOperation,
+  sourceAccount,
+  successfulTransaction,
+  trustlineEffect
+} from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+
+/** Deterministic edge-case: single native payment with matching effects. */
+export const paymentReceiptHash = "1".repeat(64);
+
+export const paymentReceiptTransaction = {
+  ...successfulTransaction,
+  hash: paymentReceiptHash,
+  id: paymentReceiptHash,
+  fee_charged: "200",
+  ledger: 3_100_001,
+  operation_count: 1
+};
+
+export const paymentReceiptOperationsPage = {
+  _links: { self: { href: "" }, next: { href: "" }, prev: { href: "" } },
+  _embedded: {
+    records: [
+      {
+        ...paymentOperation,
+        amount: "1.0000000"
+      }
+    ]
+  }
+};
+
+export const paymentReceiptEffectsPage = {
+  _links: { self: { href: "" }, next: { href: "" }, prev: { href: "" } },
+  _embedded: {
+    records: [
+      { ...debitEffect, amount: "1.0000000" },
+      { ...creditEffect, amount: "1.0000000" }
+    ]
+  }
+};
+
+export { sourceAccount, destinationAccount, issuerAccount, paymentOpId };
diff --git a/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture.ts b/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture.ts
new file mode 100644
index 0000000..f2806c5
--- /dev/null
+++ b/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture.ts
@@ -0,0 +1,182 @@
+import { Keypair } from "@stellar/stellar-sdk";
+import type { PaymentReceipt } from "@/features/payment-receipt-reconciler/types";
+
+const seed = (byte: number) => Keypair.fromRawEd25519Seed(Buffer.alloc(32, byte));
+
+export const sourceAccount = seed(1).publicKey();
+export const destinationAccount = seed(2).publicKey();
+export const issuerAccount = seed(3).publicKey();
+
+export const successfulHash = "a".repeat(64);
+export const failedHash = "b".repeat(64);
+export const missingHash = "c".repeat(64);
+export const unsupportedHash = "d".repeat(64);
+export const incompleteHash = "e".repeat(64);
+export const mixedHash = "f".repeat(64);
+
+/** Operation TOIDs used by effects — decimal strings Horizon returns. */
+export const paymentOpId = "4398046511105";
+export const changeTrustOpId = "4398046511106";
+export const pathPaymentOpId = "4398046511107";
+
+export const successfulTransaction = {
+  hash: successfulHash,
+  ledger: 2_048_000,
+  successful: true,
+  source_account: sourceAccount,
+  fee_charged: "100",
+  created_at: "2026-05-02T10:14:05Z",
+  operation_count: 1,
+  _links: { self: { href: "" } },
+  paging_token: "1",
+  id: successfulHash
+};
+
+export const failedTransaction = {
+  ...successfulTransaction,
+  hash: failedHash,
+  id: failedHash,
+  successful: false,
+  operation_count: 1
+};
+
+export const unsupportedTransaction = {
+  ...successfulTransaction,
+  hash: unsupportedHash,
+  id: unsupportedHash,
+  operation_count: 1
+};
+
+export const incompleteTransaction = {
+  ...successfulTransaction,
+  hash: incompleteHash,
+  id: incompleteHash,
+  operation_count: 1
+};
+
+export const paymentOperation = {
+  id: paymentOpId,
+  type: "payment",
+  source_account: sourceAccount,
+  from: sourceAccount,
+  to: destinationAccount,
+  amount: "12.5000000",
+  asset_type: "native",
+  paging_token: paymentOpId
+};
+
+export const changeTrustOperation = {
+  id: changeTrustOpId,
+  type: "change_trust",
+  source_account: sourceAccount,
+  asset_type: "credit_alphanum4",
+  asset_code: "USDC",
+  asset_issuer: issuerAccount,
+  limit: "1000.0000000",
+  paging_token: changeTrustOpId
+};
+
+export const debitEffect = {
+  id: `${paymentOpId}-1`,
+  type: "account_debited",
+  account: sourceAccount,
+  amount: "12.5000000",
+  asset_type: "native",
+  created_at: "2026-05-02T10:14:05Z",
+  paging_token: `${paymentOpId}-1`
+};
+
+export const creditEffect = {
+  id: `${paymentOpId}-2`,
+  type: "account_credited",
+  account: destinationAccount,
+  amount: "12.5000000",
+  asset_type: "native",
+  created_at: "2026-05-02T10:14:05Z",
+  paging_token: `${paymentOpId}-2`
+};
+
+export const trustlineEffect = {
+  id: `${changeTrustOpId}-1`,
+  type: "trustline_created",
+  account: sourceAccount,
+  asset_type: "credit_alphanum4",
+  asset_code: "USDC",
+  asset_issuer: issuerAccount,
+  limit: "1000.0000000",
+  created_at: "2026-05-02T10:14:05Z",
+  paging_token: `${changeTrustOpId}-1`
+};
+
+function page<T>(records: T[]) {
+  return {
+    _links: { self: { href: "" }, next: { href: "" }, prev: { href: "" } },
+    _embedded: { records }
+  };
+}
+
+export const paymentOperationsPage = page([paymentOperation]);
+export const paymentEffectsPage = page([debitEffect, creditEffect]);
+export const emptyPage = page([]);
+
+export const unsupportedOperationsPage = page([changeTrustOperation]);
+export const unsupportedEffectsPage = page([trustlineEffect]);
+
+export const incompleteOperationsPage = page([paymentOperation]);
+export const incompleteEffectsPage = page([debitEffect]);
+
+export const successfulReceipt: PaymentReceipt = {
+  hash: successfulHash,
+  network: "testnet",
+  ledger: 2_048_000,
+  createdAt: "2026-05-02T10:14:05Z",
+  sourceAccount,
+  feeCharged: "100",
+  operations: [
+    {
+      id: paymentOpId,
+      type: "payment",
+      sourceAccount,
+      from: sourceAccount,
+      to: destinationAccount,
+      amount: "12.5000000",
+      asset: { type: "native" }
+    }
+  ],
+  links: [
+    {
+      operationId: paymentOpId,
+      debits: [
+        {
+          id: debitEffect.id,
+          type: "account_debited",
+          account: sourceAccount,
+          amount: "12.5000000",
+          asset: { type: "native" },
+          operationId: paymentOpId
+        }
+      ],
+      credits: [
+        {
+          id: creditEffect.id,
+          type: "account_credited",
+          account: destinationAccount,
+          amount: "12.5000000",
+          asset: { type: "native" },
+          operationId: paymentOpId
+        }
+      ]
+    }
+  ],
+  totals: {
+    debits: [{ asset: { type: "native" }, amount: "12.5" }],
+    credits: [{ asset: { type: "native" }, amount: "12.5" }],
+    feeCharged: "100"
+  },
+  outside: [],
+  publicReceipt: {
+    hash: successfulHash,
+    network: "testnet",
+    ledger: 2_048_000
+  }
+};
diff --git a/features/payment-receipt-reconciler/hooks/usePaymentReceiptReconciler.ts b/features/payment-receipt-reconciler/hooks/usePaymentReceiptReconciler.ts
new file mode 100644
index 0000000..759d9e4
--- /dev/null
+++ b/features/payment-receipt-reconciler/hooks/usePaymentReceiptReconciler.ts
@@ -0,0 +1,73 @@
+"use client";
+
+import { useCallback, useRef, useState } from "react";
+import { useNetwork } from "@/core/network/NetworkProvider";
+import { isErr } from "@/core/result/result";
+import type { StellarNetwork } from "@/core/network/types";
+import { parsePaymentReceiptReconcilerInput } from "@/features/payment-receipt-reconciler/schema";
+import { runPaymentReceiptReconciler } from "@/features/payment-receipt-reconciler/lib/paymentReceiptReconciler";
+import type {
+  PaymentReceipt,
+  PaymentReceiptReconcilerErrorCode
+} from "@/features/payment-receipt-reconciler/types";
+
+export type PaymentReceiptReconcilerState =
+  | { status: "idle" }
+  | { status: "loading" }
+  | { status: "success"; result: PaymentReceipt }
+  | { status: "error"; code: PaymentReceiptReconcilerErrorCode };
+
+const IDLE: PaymentReceiptReconcilerState = { status: "idle" };
+
+interface Held {
+  state: PaymentReceiptReconcilerState;
+  network: StellarNetwork;
+}
+
+export function usePaymentReceiptReconciler() {
+  const { network } = useNetwork();
+  const [held, setHeld] = useState<Held>({ state: IDLE, network });
+  const requestId = useRef(0);
+  const controller = useRef<AbortController | null>(null);
+
+  // A hash that exists on testnet generally does not exist on mainnet, so a
+  // result from another network is derived away instead of left on screen.
+  const state = held.network === network ? held.state : IDLE;
+
+  const submit = useCallback(
+    async (raw: string) => {
+      controller.current?.abort();
+      const parsed = parsePaymentReceiptReconcilerInput(raw);
+
+      if (isErr(parsed)) {
+        setHeld({ state: { status: "error", code: parsed.code }, network });
+        return;
+      }
+
+      requestId.current += 1;
+      const id = requestId.current;
+      const next = new AbortController();
+      controller.current = next;
+      setHeld({ state: { status: "loading" }, network });
+
+      const result = await runPaymentReceiptReconciler(parsed.value, network, next.signal);
+      if (id !== requestId.current || next.signal.aborted) return;
+
+      setHeld({
+        state: result.ok
+          ? { status: "success", result: result.value }
+          : { status: "error", code: result.code },
+        network
+      });
+    },
+    [network]
+  );
+
+  const reset = useCallback(() => {
+    controller.current?.abort();
+    requestId.current += 1;
+    setHeld({ state: IDLE, network });
+  }, [network]);
+
+  return { state, submit, reset };
+}
diff --git a/features/payment-receipt-reconciler/lib/effect-links.ts b/features/payment-receipt-reconciler/lib/effect-links.ts
new file mode 100644
index 0000000..000f7d5
--- /dev/null
+++ b/features/payment-receipt-reconciler/lib/effect-links.ts
@@ -0,0 +1,147 @@
+import { err, ok, type Result } from "@/core/result/result";
+import {
+  parseReceiptAsset,
+  type RawHorizonEffect,
+  type RawHorizonOperation
+} from "@/features/payment-receipt-reconciler/lib/receipt-fetch";
+import type {
+  EffectEvidence,
+  EffectLink,
+  OutsideItem,
+  PaymentOperation,
+  PaymentReceiptReconcilerErrorCode,
+  SupportedPaymentType
+} from "@/features/payment-receipt-reconciler/types";
+
+const SUPPORTED_OPS = new Set<string>([
+  "payment",
+  "path_payment_strict_send",
+  "path_payment_strict_receive"
+]);
+
+const BALANCE_EFFECTS = new Set(["account_debited", "account_credited"]);
+
+/** `<operation TOID>-<effect index>` */
+const EFFECT_ID = /^(\d{1,19})-(\d{1,10})$/;
+
+export function isSupportedPaymentType(type: string): type is SupportedPaymentType {
+  return SUPPORTED_OPS.has(type);
+}
+
+export function operationIdFromEffectId(effectId: string): string | null {
+  const match = EFFECT_ID.exec(effectId);
+  return match ? match[1] : null;
+}
+
+export function normalizePaymentOperation(
+  raw: RawHorizonOperation
+): PaymentOperation | null {
+  if (!isSupportedPaymentType(raw.type)) return null;
+
+  const asset = parseReceiptAsset(raw.asset_type, raw.asset_code, raw.asset_issuer);
+  if (!asset || raw.amount === undefined) return null;
+
+  const operation: PaymentOperation = {
+    id: raw.id,
+    type: raw.type,
+    sourceAccount: raw.source_account,
+    from: raw.from ?? raw.source_account,
+    to: raw.to ?? "",
+    amount: String(raw.amount),
+    asset
+  };
+
+  if (raw.type !== "payment") {
+    const sourceAsset = parseReceiptAsset(
+      raw.source_asset_type,
+      raw.source_asset_code,
+      raw.source_asset_issuer
+    );
+    if (sourceAsset && raw.source_amount !== undefined) {
+      operation.sourceAmount = String(raw.source_amount);
+      operation.sourceAsset = sourceAsset;
+    }
+  }
+
+  return operation;
+}
+
+export function normalizeBalanceEffect(raw: RawHorizonEffect): EffectEvidence | null {
+  if (!BALANCE_EFFECTS.has(raw.type)) return null;
+
+  const operationId = operationIdFromEffectId(raw.id);
+  const asset = parseReceiptAsset(raw.asset_type, raw.asset_code, raw.asset_issuer);
+  if (!operationId || !asset || raw.amount === undefined || !raw.account) return null;
+
+  return {
+    id: raw.id,
+    type: raw.type as EffectEvidence["type"],
+    account: raw.account,
+    amount: String(raw.amount),
+    asset,
+    operationId
+  };
+}
+
+export interface LinkedReceiptParts {
+  operations: PaymentOperation[];
+  links: EffectLink[];
+  outside: OutsideItem[];
+}
+
+/**
+ * Connects each supported payment operation to its debit and credit effects.
+ *
+ * Unrelated operation and effect types are collected as `outside` items so
+ * they remain auditable rather than being silently dropped.
+ */
+export function linkOperationsToEffects(
+  operations: readonly RawHorizonOperation[],
+  effects: readonly RawHorizonEffect[]
+): Result<LinkedReceiptParts, PaymentReceiptReconcilerErrorCode> {
+  const paymentOps: PaymentOperation[] = [];
+  const outside: OutsideItem[] = [];
+
+  for (const raw of operations) {
+    const payment = normalizePaymentOperation(raw);
+    if (payment) {
+      paymentOps.push(payment);
+    } else {
+      outside.push({ kind: "operation", id: raw.id, type: raw.type });
+    }
+  }
+
+  if (paymentOps.length === 0) return err("unsupported_operation");
+
+  const paymentIds = new Set(paymentOps.map((op) => op.id));
+  const effectsByOp = new Map<string, EffectEvidence[]>();
+
+  for (const raw of effects) {
+    const balance = normalizeBalanceEffect(raw);
+    if (balance && paymentIds.has(balance.operationId)) {
+      const bucket = effectsByOp.get(balance.operationId) ?? [];
+      bucket.push(balance);
+      effectsByOp.set(balance.operationId, bucket);
+      continue;
+    }
+
+    // Trade effects on path payments, trustline changes, etc.
+    outside.push({ kind: "effect", id: raw.id, type: raw.type });
+  }
+
+  const links: EffectLink[] = [];
+
+  for (const operation of paymentOps) {
+    const linked = effectsByOp.get(operation.id) ?? [];
+    const debits = linked.filter((effect) => effect.type === "account_debited");
+    const credits = linked.filter((effect) => effect.type === "account_credited");
+
+    if (debits.length === 0 || credits.length === 0) {
+      return err("incomplete_effects");
+    }
+
+    links.push({ operationId: operation.id, debits, credits });
+  }
+
+  return ok({ operations: paymentOps, links, outside });
+}
diff --git a/features/payment-receipt-reconciler/lib/format.ts b/features/payment-receipt-reconciler/lib/format.ts
new file mode 100644
index 0000000..d79f04d
--- /dev/null
+++ b/features/payment-receipt-reconciler/lib/format.ts
@@ -0,0 +1,106 @@
+import { truncateMiddle } from "@/core/lib/strings";
+import {
+  copy,
+  effectTypeLabels,
+  networkLabels,
+  operationTypeLabels
+} from "@/features/payment-receipt-reconciler/copy";
+import type {
+  PublicReceipt,
+  ReceiptAsset
+} from "@/features/payment-receipt-reconciler/types";
+
+const AMOUNT = /^-?\d+(\.\d{1,7})?$/;
+const STROOPS_PER_UNIT = 10_000_000n;
+
+/**
+ * Converts a Stellar amount to stroops without ever touching a float.
+ */
+export function toStroops(amount: string): bigint {
+  const negative = amount.startsWith("-");
+  const [whole, fraction = ""] = (negative ? amount.slice(1) : amount).split(".");
+  const value =
+    BigInt(whole || "0") * STROOPS_PER_UNIT + BigInt(`${fraction}0000000`.slice(0, 7));
+  return negative ? -value : value;
+}
+
+/**
+ * Renders an amount with thousands separators and no trailing zeros.
+ * Non-Stellar strings pass through untouched.
+ */
+export function formatAmount(value: string): string {
+  if (!AMOUNT.test(value)) return value;
+
+  const stroops = toStroops(value);
+  const magnitude = stroops < 0n ? -stroops : stroops;
+  const whole = (magnitude / STROOPS_PER_UNIT)
+    .toString()
+    .replace(/\B(?=(\d{3})+(?!\d))/g, ",");
+  const fraction = (magnitude % STROOPS_PER_UNIT)
+    .toString()
+    .padStart(7, "0")
+    .replace(/0+$/, "");
+  const sign = stroops < 0n ? "-" : "";
+
+  return fraction ? `${sign}${whole}.${fraction}` : `${sign}${whole}`;
+}
+
+/** Canonical asset key for grouping — native or CODE:ISSUER. */
+export function assetKey(asset: ReceiptAsset): string {
+  return asset.type === "native" ? "native" : `${asset.code}:${asset.issuer}`;
+}
+
+/** Display label with full issuer visibility for credit assets. */
+export function formatAsset(asset: ReceiptAsset): string {
+  if (asset.type === "native") return copy.nativeAsset;
+  return `${asset.code}:${asset.issuer}`;
+}
+
+/** Compact label for dense lists — issuer is middle-truncated. */
+export function formatAssetCompact(asset: ReceiptAsset): string {
+  if (asset.type === "native") return copy.nativeAsset;
+  return `${asset.code} · ${truncateMiddle(asset.issuer, 4)}`;
+}
+
+export function formatAmountWithAsset(amount: string, asset: ReceiptAsset): string {
+  return `${formatAmount(amount)} ${formatAssetCompact(asset)}`;
+}
+
+/** Fees are reported in stroops. */
+export function stroopsToXlm(stroops: string): string {
+  const value = BigInt(stroops);
+  const whole = value / STROOPS_PER_UNIT;
+  const fraction = (value % STROOPS_PER_UNIT).toString().padStart(7, "0").replace(/0+$/, "");
+  return fraction ? `${whole}.${fraction}` : String(whole);
+}
+
+export function formatFee(stroops: string): string {
+  return `${stroops} stroops (${stroopsToXlm(stroops)} XLM)`;
+}
+
+export function formatOperationType(type: string): string {
+  return operationTypeLabels[type] ?? type.replace(/_/g, " ");
+}
+
+export function formatEffectType(type: string): string {
+  return effectTypeLabels[type] ?? type.replace(/_/g, " ");
+}
+
+export function formatNetwork(network: string): string {
+  return networkLabels[network] ?? network;
+}
+
+export function formatTimestamp(iso: string): string {
+  const date = new Date(iso);
+  if (Number.isNaN(date.getTime())) return iso;
+  return `${date.toISOString().slice(0, 19).replace("T", " ")} UTC`;
+}
+
+/** Plain-text public receipt for clipboard copy. */
+export function formatPublicReceipt(receipt: PublicReceipt): string {
+  return [
+    `${copy.hashLabel}: ${receipt.hash}`,
+    `${copy.networkLabel}: ${formatNetwork(receipt.network)}`,
+    `${copy.ledgerLabel}: ${receipt.ledger}`
+  ].join("\n");
+}
diff --git a/features/payment-receipt-reconciler/lib/paymentReceiptReconciler.errors.ts b/features/payment-receipt-reconciler/lib/paymentReceiptReconciler.errors.ts
new file mode 100644
index 0000000..98804a9
--- /dev/null
+++ b/features/payment-receipt-reconciler/lib/paymentReceiptReconciler.errors.ts
@@ -0,0 +1,11 @@
+import { classifyHorizonError } from "@/core/horizon/errors";
+import type { PaymentReceiptReconcilerErrorCode } from "@/features/payment-receipt-reconciler/types";
+
+/** Maps transport failures onto this tool's own error codes. */
+export function toPaymentReceiptReconcilerErrorCode(
+  error: unknown
+): PaymentReceiptReconcilerErrorCode {
+  const { code } = classifyHorizonError(error);
+  if (code === "not_found") return "transaction_not_found";
+  return "request_failed";
+}
diff --git a/features/payment-receipt-reconciler/lib/paymentReceiptReconciler.ts b/features/payment-receipt-reconciler/lib/paymentReceiptReconciler.ts
new file mode 100644
index 0000000..8cb48ad
--- /dev/null
+++ b/features/payment-receipt-reconciler/lib/paymentReceiptReconciler.ts
@@ -0,0 +1,51 @@
+import { err, ok, type Result } from "@/core/result/result";
+import type { StellarNetwork } from "@/core/network/types";
+import { linkOperationsToEffects } from "@/features/payment-receipt-reconciler/lib/effect-links";
+import { sumReceiptAmounts } from "@/features/payment-receipt-reconciler/lib/receipt-amounts";
+import { fetchReceiptBundle } from "@/features/payment-receipt-reconciler/lib/receipt-fetch";
+import type {
+  PaymentReceipt,
+  PaymentReceiptReconcilerErrorCode,
+  PaymentReceiptReconcilerInput
+} from "@/features/payment-receipt-reconciler/types";
+
+/**
+ * Orchestrates Horizon fetches, effect linking and amount totals into one
+ * Result-based payment receipt.
+ */
+export async function runPaymentReceiptReconciler(
+  input: PaymentReceiptReconcilerInput,
+  network: StellarNetwork,
+  signal?: AbortSignal
+): Promise<Result<PaymentReceipt, PaymentReceiptReconcilerErrorCode>> {
+  const bundle = await fetchReceiptBundle(input.hash, network, signal);
+  if (!bundle.ok) return bundle;
+
+  const { transaction, operations, effects } = bundle.value;
+
+  if (!transaction.successful) return err("transaction_failed");
+
+  const linked = linkOperationsToEffects(operations, effects);
+  if (!linked.ok) return linked;
+
+  const feeCharged = String(transaction.fee_charged);
+  const totals = sumReceiptAmounts(linked.value.links, feeCharged);
+
+  return ok({
+    hash: transaction.hash,
+    network,
+    ledger: transaction.ledger,
+    createdAt: transaction.created_at,
+    sourceAccount: transaction.source_account,
+    feeCharged,
+    operations: linked.value.operations,
+    links: linked.value.links,
+    totals,
+    outside: linked.value.outside,
+    publicReceipt: {
+      hash: transaction.hash,
+      network,
+      ledger: transaction.ledger
+    }
+  });
+}
diff --git a/features/payment-receipt-reconciler/lib/receipt-amounts.ts b/features/payment-receipt-reconciler/lib/receipt-amounts.ts
new file mode 100644
index 0000000..d5c37d8
--- /dev/null
+++ b/features/payment-receipt-reconciler/lib/receipt-amounts.ts
@@ -0,0 +1,71 @@
+import { assetKey, toStroops } from "@/features/payment-receipt-reconciler/lib/format";
+import type {
+  AssetAmount,
+  EffectLink,
+  ReceiptAsset,
+  ReceiptTotals
+} from "@/features/payment-receipt-reconciler/types";
+
+interface Accumulator {
+  asset: ReceiptAsset;
+  stroops: bigint;
+}
+
+/**
+ * Sums exact debit and credit amounts by asset code + issuer.
+ *
+ * Addition is done in stroops via BigInt so two Horizon amount strings never
+ * pass through floating point. The charged fee is kept separate — it is not a
+ * payment transfer and must not be folded into debit totals.
+ */
+export function sumReceiptAmounts(
+  links: readonly EffectLink[],
+  feeCharged: string
+): ReceiptTotals {
+  const debitMap = new Map<string, Accumulator>();
+  const creditMap = new Map<string, Accumulator>();
+
+  for (const link of links) {
+    for (const debit of link.debits) {
+      accumulate(debitMap, debit.asset, debit.amount);
+    }
+    for (const credit of link.credits) {
+      accumulate(creditMap, credit.asset, credit.amount);
+    }
+  }
+
+  return {
+    debits: toAssetAmounts(debitMap),
+    credits: toAssetAmounts(creditMap),
+    feeCharged: String(feeCharged)
+  };
+}
+
+function accumulate(map: Map<string, Accumulator>, asset: ReceiptAsset, amount: string): void {
+  const key = assetKey(asset);
+  const existing = map.get(key);
+  const stroops = toStroops(amount);
+
+  if (existing) {
+    existing.stroops += stroops;
+  } else {
+    map.set(key, { asset, stroops });
+  }
+}
+
+function toAssetAmounts(map: Map<string, Accumulator>): AssetAmount[] {
+  return [...map.values()].map(({ asset, stroops }) => ({
+    asset,
+    amount: stroopsToAmount(stroops)
+  }));
+}
+
+/** Inverse of `toStroops` — restores a 7-decimal amount string. */
+export function stroopsToAmount(stroops: bigint): string {
+  const negative = stroops < 0n;
+  const magnitude = negative ? -stroops : stroops;
+  const whole = magnitude / 10_000_000n;
+  const fraction = (magnitude % 10_000_000n).toString().padStart(7, "0").replace(/0+$/, "");
+  const body = fraction ? `${whole}.${fraction}` : String(whole);
+  return negative ? `-${body}` : body;
+}
diff --git a/features/payment-receipt-reconciler/lib/receipt-fetch.ts b/features/payment-receipt-reconciler/lib/receipt-fetch.ts
new file mode 100644
index 0000000..8b44f82
--- /dev/null
+++ b/features/payment-receipt-reconciler/lib/receipt-fetch.ts
@@ -0,0 +1,120 @@
+import { err, ok, type Result } from "@/core/result/result";
+import { horizonUrl } from "@/core/horizon/client";
+import type { StellarNetwork } from "@/core/network/types";
+import { toPaymentReceiptReconcilerErrorCode } from "@/features/payment-receipt-reconciler/lib/paymentReceiptReconciler.errors";
+import type {
+  PaymentReceiptReconcilerErrorCode,
+  ReceiptAsset
+} from "@/features/payment-receipt-reconciler/types";
+
+export interface RawHorizonTransaction {
+  hash: string;
+  ledger: number;
+  successful: boolean;
+  source_account: string;
+  fee_charged: string | number;
+  created_at: string;
+  operation_count: number;
+}
+
+export interface RawHorizonOperation {
+  id: string;
+  type: string;
+  source_account: string;
+  from?: string;
+  to?: string;
+  amount?: string;
+  asset_type?: string;
+  asset_code?: string;
+  asset_issuer?: string;
+  source_amount?: string;
+  source_asset_type?: string;
+  source_asset_code?: string;
+  source_asset_issuer?: string;
+}
+
+export interface RawHorizonEffect {
+  id: string;
+  type: string;
+  account?: string;
+  amount?: string;
+  asset_type?: string;
+  asset_code?: string;
+  asset_issuer?: string;
+}
+
+interface Collection<T> {
+  _embedded?: { records?: T[] };
+}
+
+export interface ReceiptBundle {
+  transaction: RawHorizonTransaction;
+  operations: RawHorizonOperation[];
+  effects: RawHorizonEffect[];
+}
+
+export function parseReceiptAsset(
+  assetType?: string,
+  assetCode?: string,
+  assetIssuer?: string
+): ReceiptAsset | null {
+  if (assetType === "native") return { type: "native" };
+  if (assetType && assetCode && assetIssuer) {
+    return { type: "credit", code: assetCode, issuer: assetIssuer };
+  }
+  return null;
+}
+
+async function requestJson<T>(url: string, signal?: AbortSignal): Promise<T> {
+  const response = await fetch(url, { signal, headers: { Accept: "application/json" } });
+
+  if (!response.ok) {
+    throw Object.assign(new Error("Horizon request failed."), { status: response.status });
+  }
+
+  return (await response.json()) as T;
+}
+
+/**
+ * Fetches a transaction together with its operations and effects pages.
+ *
+ * All three endpoints are required for reconciliation — a partial response
+ * maps to `request_failed` rather than a half-built receipt.
+ */
+export async function fetchReceiptBundle(
+  hash: string,
+  network: StellarNetwork,
+  signal?: AbortSignal
+): Promise<Result<ReceiptBundle, PaymentReceiptReconcilerErrorCode>> {
+  try {
+    const transaction = await requestJson<RawHorizonTransaction>(
+      horizonUrl(network, `/transactions/${encodeURIComponent(hash)}`),
+      signal
+    );
+
+    const [operationsPage, effectsPage] = await Promise.all([
+      requestJson<Collection<RawHorizonOperation>>(
+        horizonUrl(network, `/transactions/${encodeURIComponent(hash)}/operations`, {
+          limit: 200,
+          order: "asc"
+        }),
+        signal
+      ),
+      requestJson<Collection<RawHorizonEffect>>(
+        horizonUrl(network, `/transactions/${encodeURIComponent(hash)}/effects`, {
+          limit: 200,
+          order: "asc"
+        }),
+        signal
+      )
+    ]);
+
+    return ok({
+      transaction,
+      operations: operationsPage._embedded?.records ?? [],
+      effects: effectsPage._embedded?.records ?? []
+    });
+  } catch (error) {
+    return err(toPaymentReceiptReconcilerErrorCode(error));
+  }
+}
diff --git a/features/payment-receipt-reconciler/manifest.ts b/features/payment-receipt-reconciler/manifest.ts
new file mode 100644
index 0000000..c359c4f
--- /dev/null
+++ b/features/payment-receipt-reconciler/manifest.ts
@@ -0,0 +1,25 @@
+import { Receipt } from "lucide-react";
+import type { FeatureManifest } from "@/core/registry/types";
+
+export const manifest: FeatureManifest = {
+  slug: "payment-receipt-reconciler",
+  title: "Payment Receipt Reconciler",
+  description:
+    "Turn a completed payment or path-payment into a receipt that links operations to debit and credit effects.",
+  character: "A careful clerk stamps each debit and credit onto one public receipt.",
+  category: "payments",
+  status: "working",
+  icon: Receipt,
+  networks: ["testnet", "mainnet"],
+  keywords: [
+    "payment",
+    "path payment",
+    "receipt",
+    "effects",
+    "debit",
+    "credit",
+    "reconcile",
+    "horizon",
+    "fee"
+  ]
+};
diff --git a/features/payment-receipt-reconciler/msw/handlers.ts b/features/payment-receipt-reconciler/msw/handlers.ts
new file mode 100644
index 0000000..93ea585
--- /dev/null
+++ b/features/payment-receipt-reconciler/msw/handlers.ts
@@ -0,0 +1,85 @@
+import { http, HttpResponse, type JsonBodyType } from "msw";
+import {
+  failedHash,
+  failedTransaction,
+  incompleteEffectsPage,
+  incompleteHash,
+  incompleteOperationsPage,
+  incompleteTransaction,
+  missingHash,
+  paymentEffectsPage,
+  paymentOperationsPage,
+  successfulHash,
+  successfulTransaction,
+  unsupportedEffectsPage,
+  unsupportedHash,
+  unsupportedOperationsPage,
+  unsupportedTransaction
+} from "@/features/payment-receipt-reconciler/fixtures/paymentReceiptReconciler.fixture";
+import {
+  paymentReceiptEffectsPage,
+  paymentReceiptHash,
+  paymentReceiptOperationsPage,
+  paymentReceiptTransaction
+} from "@/features/payment-receipt-reconciler/fixtures/payment-receipt.fixture";
+import {
+  mixedEffectsEffectsPage,
+  mixedEffectsHash,
+  mixedEffectsOperationsPage,
+  mixedEffectsTransaction
+} from "@/features/payment-receipt-reconciler/fixtures/mixed-effects.fixture";
+
+const TESTNET = "https://horizon-testnet.stellar.org";
+
+function txHandlers(
+  hash: string,
+  transaction: JsonBodyType,
+  operations: JsonBodyType,
+  effects: JsonBodyType
+) {
+  return [
+    http.get(`${TESTNET}/transactions/${hash}`, () => HttpResponse.json(transaction)),
+    http.get(`${TESTNET}/transactions/${hash}/operations`, () =>
+      HttpResponse.json(operations)
+    ),
+    http.get(`${TESTNET}/transactions/${hash}/effects`, () => HttpResponse.json(effects))
+  ];
+}
+
+export const handlers = [
+  ...txHandlers(successfulHash, successfulTransaction, paymentOperationsPage, paymentEffectsPage),
+  ...txHandlers(failedHash, failedTransaction, paymentOperationsPage, paymentEffectsPage),
+  ...txHandlers(
+    unsupportedHash,
+    unsupportedTransaction,
+    unsupportedOperationsPage,
+    unsupportedEffectsPage
+  ),
+  ...txHandlers(
+    incompleteHash,
+    incompleteTransaction,
+    incompleteOperationsPage,
+    incompleteEffectsPage
+  ),
+  ...txHandlers(
+    paymentReceiptHash,
+    paymentReceiptTransaction,
+    paymentReceiptOperationsPage,
+    paymentReceiptEffectsPage
+  ),
+  ...txHandlers(
+    mixedEffectsHash,
+    mixedEffectsTransaction,
+    mixedEffectsOperationsPage,
+    mixedEffectsEffectsPage
+  ),
+  http.get(`${TESTNET}/transactions/${missingHash}`, () =>
+    HttpResponse.json({ title: "Resource Missing", status: 404 }, { status: 404 })
+  )
+];
+
+/** Transaction resolves but the effects endpoint fails. */
+export const effectsUnavailableHandler = http.get(
+  `${TESTNET}/transactions/${successfulHash}/effects`,
+  () => HttpResponse.json({ title: "Internal Server Error", status: 500 }, { status: 500 })
+);
diff --git a/features/payment-receipt-reconciler/panel.tsx b/features/payment-receipt-reconciler/panel.tsx
new file mode 100644
index 0000000..97e07ff
--- /dev/null
+++ b/features/payment-receipt-reconciler/panel.tsx
@@ -0,0 +1 @@
+export { PaymentReceiptReconcilerPanel as default } from "@/features/payment-receipt-reconciler/components/PaymentReceiptReconcilerPanel";
diff --git a/features/payment-receipt-reconciler/schema.ts b/features/payment-receipt-reconciler/schema.ts
new file mode 100644
index 0000000..b3ff124
--- /dev/null
+++ b/features/payment-receipt-reconciler/schema.ts
@@ -0,0 +1,29 @@
+import { err, ok, type Result } from "@/core/result/result";
+import type {
+  PaymentReceiptReconcilerErrorCode,
+  PaymentReceiptReconcilerInput
+} from "@/features/payment-receipt-reconciler/types";
+
+/** A Stellar transaction hash is 32 bytes rendered as 64 hex characters. */
+const HASH = /^[a-fA-F0-9]{64}$/;
+
+export function isLikelyTransactionHash(value: string): boolean {
+  return HASH.test(value);
+}
+
+/**
+ * Parses raw form input into a validated request, without throwing or
+ * contacting Horizon.
+ */
+export function parsePaymentReceiptReconcilerInput(
+  raw: string
+): Result<PaymentReceiptReconcilerInput, PaymentReceiptReconcilerErrorCode> {
+  const hash = raw.replace(/\s+/g, "");
+
+  if (!hash) return err("empty_input");
+  if (!HASH.test(hash)) return err("invalid_hash");
+
+  // Horizon treats the hash case-insensitively but returns lowercase; normalise
+  // so the value shown back always matches the ledger's own rendering.
+  return ok({ hash: hash.toLowerCase() });
+}
diff --git a/features/payment-receipt-reconciler/types.ts b/features/payment-receipt-reconciler/types.ts
new file mode 100644
index 0000000..994ee4e
--- /dev/null
+++ b/features/payment-receipt-reconciler/types.ts
@@ -0,0 +1,99 @@
+import type { StellarNetwork } from "@/core/network/types";
+
+export type PaymentReceiptReconcilerErrorCode =
+  | "empty_input"
+  | "invalid_hash"
+  | "transaction_not_found"
+  | "transaction_failed"
+  | "unsupported_operation"
+  | "incomplete_effects"
+  | "request_failed";
+
+export interface PaymentReceiptReconcilerInput {
+  hash: string;
+}
+
+/** Asset identity keyed by code + issuer (native has neither). */
+export type ReceiptAsset =
+  | { type: "native" }
+  | { type: "credit"; code: string; issuer: string };
+
+export interface AssetAmount {
+  asset: ReceiptAsset;
+  /** Exact Horizon amount string — never a float. */
+  amount: string;
+}
+
+export type SupportedPaymentType =
+  | "payment"
+  | "path_payment_strict_send"
+  | "path_payment_strict_receive";
+
+export interface PaymentOperation {
+  id: string;
+  type: SupportedPaymentType;
+  sourceAccount: string;
+  from: string;
+  to: string;
+  /** Destination amount for payment / path-payment. */
+  amount: string;
+  asset: ReceiptAsset;
+  /** Present on path payments — source-side amount. */
+  sourceAmount?: string;
+  sourceAsset?: ReceiptAsset;
+}
+
+export type BalanceEffectType = "account_debited" | "account_credited";
+
+export interface EffectEvidence {
+  id: string;
+  type: BalanceEffectType;
+  account: string;
+  amount: string;
+  asset: ReceiptAsset;
+  /** Operation TOID this effect belongs to. */
+  operationId: string;
+}
+
+export interface EffectLink {
+  operationId: string;
+  debits: EffectEvidence[];
+  credits: EffectEvidence[];
+}
+
+/** Ops or effects that belong to the transaction but sit outside the receipt. */
+export interface OutsideItem {
+  kind: "operation" | "effect";
+  id: string;
+  type: string;
+}
+
+export interface ReceiptTotals {
+  debits: AssetAmount[];
+  credits: AssetAmount[];
+  /** Transaction fee charged, in stroops. */
+  feeCharged: string;
+}
+
+/** Copyable public receipt header. */
+export interface PublicReceipt {
+  hash: string;
+  network: StellarNetwork;
+  ledger: number;
+}
+
+export interface PaymentReceipt {
+  hash: string;
+  network: StellarNetwork;
+  ledger: number;
+  createdAt: string;
+  sourceAccount: string;
+  feeCharged: string;
+  operations: PaymentOperation[];
+  links: EffectLink[];
+  totals: ReceiptTotals;
+  outside: OutsideItem[];
+  publicReceipt: PublicReceipt;
+}
+
+export type PaymentReceiptReconcilerResult = PaymentReceipt;