From bbf297ed77f8c1e7e7085559fc1153208c01d5c2 Mon Sep 17 00:00:00 2001
From: MYONG JAEWI <78201530+Jaymyong66@users.noreply.github.com>
Date: Thu, 2 Apr 2026 00:22:23 +0900
Subject: [PATCH 1/8] =?UTF-8?q?feature:=20backend=20cors=20=EC=88=98?=
 =?UTF-8?q?=EC=A0=95?=
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

---
 backend/src/api.rs                     | 9 ++++++++-
 backend/src/oracle/program_accounts.rs | 3 +++
 2 files changed, 11 insertions(+), 1 deletion(-)

diff --git a/backend/src/api.rs b/backend/src/api.rs
index f8806c0..6a414bb 100644
--- a/backend/src/api.rs
+++ b/backend/src/api.rs
@@ -10,6 +10,7 @@ mod types;
 use std::{net::SocketAddr, sync::Arc};
 
 use anyhow::{Context, Result};
+use tower_http::cors::{Any, CorsLayer};
 
 use crate::{config::Config, events::EventBus};
 
@@ -20,11 +21,17 @@ pub async fn start(config: Arc<Config>, event_bus: Arc<EventBus>) -> Result<()>
         .with_context(|| format!("WEB_BIND_ADDR 파싱 실패: {}", config.web_bind_addr))?;
 
     let firebase_repository = Arc::new(repository::FirebaseRepository::from_env()?);
+    let cors = CorsLayer::new()
+        .allow_origin(Any)
+        .allow_methods(Any)
+        .allow_headers(Any);
+
     let app = router::build_router(state::AppState {
         config,
         firebase_repository,
         event_bus,
-    });
+    })
+    .layer(cors);
 
     tracing::info!("[api] listening on http://{addr}");
 
diff --git a/backend/src/oracle/program_accounts.rs b/backend/src/oracle/program_accounts.rs
index d2ab934..1d3b9c4 100644
--- a/backend/src/oracle/program_accounts.rs
+++ b/backend/src/oracle/program_accounts.rs
@@ -42,6 +42,7 @@ pub struct MasterPolicyInfo {
     pub reinsurer_deposit_wallet: String,
     pub leader_deposit_wallet: String,
     pub participants: Vec<MasterParticipantInfo>,
+    pub oracle_feed: String,
     pub status: u8,
     pub status_label: String,
     pub created_at: i64,
@@ -150,6 +151,7 @@ fn parse_master_policy(pubkey: &Pubkey, data: &[u8]) -> Result<MasterPolicyInfo>
     let reinsurer_deposit_wallet = read_pubkey(data, &mut offset)?;
     let leader_deposit_wallet = read_pubkey(data, &mut offset)?;
     let participants = read_master_participants(data, &mut offset)?;
+    let oracle_feed = read_pubkey(data, &mut offset)?;
     let status = read_u8(data, &mut offset)?;
     let created_at = read_i64(data, &mut offset)?;
     let _bump = read_u8(data, &mut offset)?;
@@ -176,6 +178,7 @@ fn parse_master_policy(pubkey: &Pubkey, data: &[u8]) -> Result<MasterPolicyInfo>
         reinsurer_deposit_wallet: reinsurer_deposit_wallet.to_string(),
         leader_deposit_wallet: leader_deposit_wallet.to_string(),
         participants,
+        oracle_feed: oracle_feed.to_string(),
         status,
         status_label: master_policy_status_label(status).to_string(),
         created_at,

From 595d267776a4f42be6a097dbcfcb7a603c55bd48 Mon Sep 17 00:00:00 2001
From: MYONG JAEWI <78201530+Jaymyong66@users.noreply.github.com>
Date: Thu, 2 Apr 2026 00:22:41 +0900
Subject: [PATCH 2/8] =?UTF-8?q?feature:=20frontend=20>=20backend=5Fv1-2=20?=
 =?UTF-8?q?=EC=97=B0=EA=B2=B0?=
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

---
 frontend/src/hooks/useFlightPolicies.ts      |   4 +-
 frontend/src/hooks/useMasterPolicies.ts      |   2 +
 frontend/src/hooks/useMasterPolicyAccount.ts |   4 +-
 frontend/src/hooks/useMyPolicies.ts          | 180 ++++++++++---------
 frontend/src/store/useProtocolStore.ts       |   1 +
 5 files changed, 103 insertions(+), 88 deletions(-)

diff --git a/frontend/src/hooks/useFlightPolicies.ts b/frontend/src/hooks/useFlightPolicies.ts
index 4bffc30..ef7b8b7 100644
--- a/frontend/src/hooks/useFlightPolicies.ts
+++ b/frontend/src/hooks/useFlightPolicies.ts
@@ -30,7 +30,7 @@ interface BackendFlightPolicy {
   premium_distributed: boolean;
   created_at: number;
   updated_at: number;
-  bump: number;
+  status_label: string;
 }
 
 function toFlightPolicyWithKey(data: BackendFlightPolicy): FlightPolicyWithKey {
@@ -56,7 +56,7 @@ function toFlightPolicyWithKey(data: BackendFlightPolicy): FlightPolicyWithKey {
       premiumDistributed: data.premium_distributed,
       createdAt: fakeBN(data.created_at) as unknown as import('@coral-xyz/anchor').BN,
       updatedAt: fakeBN(data.updated_at) as unknown as import('@coral-xyz/anchor').BN,
-      bump: data.bump,
+      bump: 0,
     } as unknown as FlightPolicyAccount,
   };
 }
diff --git a/frontend/src/hooks/useMasterPolicies.ts b/frontend/src/hooks/useMasterPolicies.ts
index 7d5ad2a..f9fbff3 100644
--- a/frontend/src/hooks/useMasterPolicies.ts
+++ b/frontend/src/hooks/useMasterPolicies.ts
@@ -7,6 +7,7 @@ interface BackendMasterPolicyItem {
   pubkey: string;
   master_id: number;
   status: number;
+  status_label: string;
   coverage_end_ts: number;
 }
 
@@ -32,6 +33,7 @@ export function useMasterPolicies() {
         pda: m.pubkey,
         masterId: String(m.master_id),
         status: m.status,
+        statusLabel: m.status_label,
         coverageEndTs: m.coverage_end_ts,
       }));
 
diff --git a/frontend/src/hooks/useMasterPolicyAccount.ts b/frontend/src/hooks/useMasterPolicyAccount.ts
index 9eb41a7..ec52176 100644
--- a/frontend/src/hooks/useMasterPolicyAccount.ts
+++ b/frontend/src/hooks/useMasterPolicyAccount.ts
@@ -39,7 +39,7 @@ interface BackendMasterPolicy {
   reinsurer_deposit_wallet: string;
   leader_deposit_wallet: string;
   created_at: number;
-  bump: number;
+  status_label: string;
 }
 
 function toMasterPolicyAccount(data: BackendMasterPolicy): MasterPolicyAccount {
@@ -78,7 +78,7 @@ function toMasterPolicyAccount(data: BackendMasterPolicy): MasterPolicyAccount {
     })),
     status: data.status,
     createdAt: fakeBN(data.created_at) as unknown as import('@coral-xyz/anchor').BN,
-    bump: data.bump,
+    bump: 0,
   } as unknown as MasterPolicyAccount;
 }
 
diff --git a/frontend/src/hooks/useMyPolicies.ts b/frontend/src/hooks/useMyPolicies.ts
index 552b21c..9640516 100644
--- a/frontend/src/hooks/useMyPolicies.ts
+++ b/frontend/src/hooks/useMyPolicies.ts
@@ -1,6 +1,8 @@
 import { useEffect, useState, useCallback } from 'react';
+import { useWallet } from '@solana/wallet-adapter-react';
 import { useProgram } from './useProgram';
-import type { MasterPolicyAccount, PolicyAccount } from '@/lib/idl/open_parametric';
+import type { PolicyAccount } from '@/lib/idl/open_parametric';
+import { BACKEND_URL } from '@/lib/constants';
 
 export interface MyPolicyRole {
   role: 'leader' | 'partA' | 'partB' | 'rein';
@@ -12,6 +14,7 @@ export interface MyPolicySummary {
   pda: string;
   masterId: string;
   status: number;
+  statusLabel: string;
   roles: MyPolicyRole[];
   track: 'A' | 'B';
   /** Track B only fields */
@@ -20,110 +23,119 @@ export interface MyPolicySummary {
   payoutAmount?: number;
 }
 
+interface BackendMasterPolicyFull {
+  pubkey: string;
+  master_id: number;
+  leader: string;
+  operator: string;
+  status: number;
+  status_label: string;
+  reinsurer: string;
+  reinsurer_confirmed: boolean;
+  reinsurer_effective_bps: number;
+  participants: Array<{
+    insurer: string;
+    share_bps: number;
+    confirmed: boolean;
+  }>;
+}
+
 /**
- * Fetch MasterPolicy accounts where the connected wallet appears
- * as leader or reinsurer, plus Track B Policy accounts.
- *
- * Uses memcmp-filtered queries instead of fetching all accounts:
- *   - leader:    offset 16 (discriminator 8 + master_id 8)
- *   - reinsurer: offset 174 (leader 32 + operator 32 + currency_mint 32 +
- *                coverage_start/end 16 + premium 8 + 4 payouts 32 +
- *                ceded/reins/effective bps 6)
- *
- * Note: participant role (inside Vec) cannot be memcmp-filtered.
- * Participants can access their policies via direct portal URL.
+ * Fetch policies where the connected wallet appears as leader, reinsurer,
+ * or participant. Uses backend API for Master Policies (Track A) and
+ * direct Solana RPC for Track B Policy accounts.
  */
-// MasterPolicy field offsets (bytes)
-const LEADER_OFFSET = 16; // discriminator(8) + master_id(u64=8)
-const REINSURER_OFFSET = 174; // leader(32) + operator(32) + currency_mint(32) + 2×i64(16) + 5×u64(40) + 3×u16(6)
-
 export function useMyPolicies() {
+  const { publicKey } = useWallet();
   const { program, wallet } = useProgram();
   const [policies, setPolicies] = useState<MyPolicySummary[]>([]);
   const [loading, setLoading] = useState(false);
 
   const fetchPolicies = useCallback(async () => {
-    if (!program || !wallet?.publicKey) {
+    if (!publicKey) {
       setPolicies([]);
       return;
     }
 
     setLoading(true);
     try {
-      // eslint-disable-next-line @typescript-eslint/no-explicit-any
-      const prog = program as any;
-      const walletKey = wallet.publicKey;
-      const walletBase58 = walletKey.toBase58();
+      const walletBase58 = publicKey.toBase58();
       const grouped = new Map<string, MyPolicySummary>();
 
-      // Parallel filtered queries: leader + reinsurer + Track B
-      const [leaderAccounts, reinsurerAccounts, trackBAccounts] = await Promise.all([
-        prog.account.masterPolicy.all([
-          { memcmp: { offset: LEADER_OFFSET, bytes: walletBase58 } },
-        ]),
-        prog.account.masterPolicy.all([
-          { memcmp: { offset: REINSURER_OFFSET, bytes: walletBase58 } },
-        ]),
-        prog.account.policy.all([
-          { memcmp: { offset: 16, bytes: walletBase58 } },
-        ]).catch(() => []), // Track B account type may not exist on-chain yet
-      ]);
-
-      // Process leader results
-      for (const a of leaderAccounts) {
-        const acc: MasterPolicyAccount = a.account;
-        const pda = a.publicKey.toBase58();
-        const roles: MyPolicyRole[] = [{ role: 'leader', shareBps: 10000, confirmed: true }];
-        // Also check if reinsurer in same account
-        if (acc.reinsurer.equals(walletKey)) {
-          roles.push({ role: 'rein', shareBps: acc.reinsurerEffectiveBps, confirmed: acc.reinsurerConfirmed });
-        }
-        // Check participants in already-fetched accounts
-        const participants = acc.participants || [];
-        for (let i = 0; i < participants.length; i++) {
-          const p = participants[i];
-          if (p && p.insurer.equals(walletKey)) {
-            roles.push({ role: i === 0 ? 'partA' : 'partB', shareBps: p.shareBps, confirmed: p.confirmed });
+      // Fetch all master policies from backend API
+      const res = await fetch(`${BACKEND_URL}/api/master-policies`);
+      if (res.ok) {
+        const json: { master_policies: BackendMasterPolicyFull[] } = await res.json();
+
+        for (const mp of json.master_policies) {
+          const roles: MyPolicyRole[] = [];
+
+          // Check leader
+          if (mp.leader === walletBase58) {
+            roles.push({ role: 'leader', shareBps: 10000, confirmed: true });
           }
-        }
-        grouped.set(pda, { pda, masterId: acc.masterId.toString(), status: acc.status, roles, track: 'A' });
-      }
 
-      // Process reinsurer results (merge with existing if already found as leader)
-      for (const a of reinsurerAccounts) {
-        const acc: MasterPolicyAccount = a.account;
-        const pda = a.publicKey.toBase58();
-        const existing = grouped.get(pda);
-        if (existing) {
-          // Already added via leader query — roles already merged above
-          continue;
-        }
-        const roles: MyPolicyRole[] = [{ role: 'rein', shareBps: acc.reinsurerEffectiveBps, confirmed: acc.reinsurerConfirmed }];
-        // Check participants
-        const participants = acc.participants || [];
-        for (let i = 0; i < participants.length; i++) {
-          const p = participants[i];
-          if (p && p.insurer.equals(walletKey)) {
-            roles.push({ role: i === 0 ? 'partA' : 'partB', shareBps: p.shareBps, confirmed: p.confirmed });
+          // Check reinsurer
+          if (mp.reinsurer === walletBase58) {
+            roles.push({
+              role: 'rein',
+              shareBps: mp.reinsurer_effective_bps,
+              confirmed: mp.reinsurer_confirmed,
+            });
+          }
+
+          // Check participants
+          for (let i = 0; i < mp.participants.length; i++) {
+            const p = mp.participants[i]!;
+            if (p.insurer === walletBase58) {
+              roles.push({
+                role: i === 0 ? 'partA' : 'partB',
+                shareBps: p.share_bps,
+                confirmed: p.confirmed,
+              });
+            }
+          }
+
+          if (roles.length > 0) {
+            grouped.set(mp.pubkey, {
+              pda: mp.pubkey,
+              masterId: String(mp.master_id),
+              status: mp.status,
+              statusLabel: mp.status_label,
+              roles,
+              track: 'A',
+            });
           }
         }
-        grouped.set(pda, { pda, masterId: acc.masterId.toString(), status: acc.status, roles, track: 'A' });
       }
 
-      // Process Track B results
-      for (const a of trackBAccounts) {
-        const acc: PolicyAccount = a.account;
-        const pda = a.publicKey.toBase58();
-        grouped.set(pda, {
-          pda,
-          masterId: acc.policyId.toString(),
-          status: acc.state,
-          roles: [{ role: 'leader', shareBps: 10000, confirmed: true }],
-          track: 'B',
-          flightNo: acc.flightNo,
-          route: acc.route,
-          payoutAmount: acc.payoutAmount.toNumber() / 1e6,
-        });
+      // Track B: direct RPC (not available via backend API)
+      if (program && wallet?.publicKey) {
+        try {
+          // eslint-disable-next-line @typescript-eslint/no-explicit-any
+          const prog = program as any;
+          const trackBAccounts = await prog.account.policy.all([
+            { memcmp: { offset: 16, bytes: walletBase58 } },
+          ]);
+
+          for (const a of trackBAccounts) {
+            const acc: PolicyAccount = a.account;
+            const pda = a.publicKey.toBase58();
+            grouped.set(pda, {
+              pda,
+              masterId: acc.policyId.toString(),
+              status: acc.state,
+              statusLabel: '',
+              roles: [{ role: 'leader', shareBps: 10000, confirmed: true }],
+              track: 'B',
+              flightNo: acc.flightNo,
+              route: acc.route,
+              payoutAmount: acc.payoutAmount.toNumber() / 1e6,
+            });
+          }
+        } catch {
+          // Track B account type may not exist on-chain yet
+        }
       }
 
       const results = Array.from(grouped.values());
@@ -134,7 +146,7 @@ export function useMyPolicies() {
     } finally {
       setLoading(false);
     }
-  }, [program, wallet]);
+  }, [publicKey, program, wallet]);
 
   useEffect(() => {
     fetchPolicies();
diff --git a/frontend/src/store/useProtocolStore.ts b/frontend/src/store/useProtocolStore.ts
index d50c4d9..80b7a2a 100644
--- a/frontend/src/store/useProtocolStore.ts
+++ b/frontend/src/store/useProtocolStore.ts
@@ -74,6 +74,7 @@ export interface MasterPolicySummary {
   pda: string;
   masterId: string;
   status: number;
+  statusLabel: string;
   coverageEndTs: number;
 }
 

From dbdceae7564656576cba8c7286e465af4e602220 Mon Sep 17 00:00:00 2001
From: MYONG JAEWI <78201530+Jaymyong66@users.noreply.github.com>
Date: Thu, 2 Apr 2026 02:05:22 +0900
Subject: [PATCH 3/8] =?UTF-8?q?feature:=20docker=20base=20rust=20=EB=B2=84?=
 =?UTF-8?q?=EC=A0=84=20=EC=97=85?=
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

---
 backend/Dockerfile | 2 +-
 1 file changed, 1 insertion(+), 1 deletion(-)

diff --git a/backend/Dockerfile b/backend/Dockerfile
index 0da26b2..5651675 100644
--- a/backend/Dockerfile
+++ b/backend/Dockerfile
@@ -1,4 +1,4 @@
-FROM rust:1.78-bookworm AS builder
+FROM rust:1.88-bookworm AS builder
 
 WORKDIR /app
 

From ddae5af1b9680b3c14ff54694074608e1adc3f17 Mon Sep 17 00:00:00 2001
From: MYONG JAEWI <78201530+Jaymyong66@users.noreply.github.com>
Date: Thu, 2 Apr 2026 23:16:18 +0900
Subject: [PATCH 4/8] =?UTF-8?q?feature:=20frontend=20>=20=EC=98=A4?=
 =?UTF-8?q?=EB=9D=BC=ED=81=B4=ED=83=AD=20UI=20=EC=A0=95=EB=A6=AC=20?=
 =?UTF-8?q?=EB=B0=8F=20=EC=83=81=ED=83=9C=20=EC=9A=A9=EC=96=B4=20=EC=A0=95?=
 =?UTF-8?q?=EB=A6=AC?=
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

---
 frontend/src/App.tsx                          |  17 -
 .../tabs/tab-feed/ContractFeedTable.tsx       |   2 +-
 .../components/tabs/tab-oracle/ClaimTable.tsx |  14 +-
 .../tabs/tab-oracle/OracleConsole.tsx         | 156 +---
 .../tabs/tab-oracle/PolicyMonitorTable.tsx    |   6 +-
 .../tabs/tab-oracle/TrackBPanel.tsx           | 714 ------------------
 frontend/src/hooks/useFlightPolicies.ts       |  18 +-
 frontend/src/hooks/usePolicies.ts             | 169 -----
 frontend/src/i18n/locales/en.ts               |  80 +-
 frontend/src/i18n/locales/ko.ts               |  81 +-
 frontend/src/store/useProtocolStore.ts        |  28 +-
 11 files changed, 70 insertions(+), 1215 deletions(-)
 delete mode 100644 frontend/src/components/tabs/tab-oracle/TrackBPanel.tsx
 delete mode 100644 frontend/src/hooks/usePolicies.ts

diff --git a/frontend/src/App.tsx b/frontend/src/App.tsx
index d9111eb..b57635c 100644
--- a/frontend/src/App.tsx
+++ b/frontend/src/App.tsx
@@ -17,8 +17,6 @@ import { PublicKey } from '@solana/web3.js';
 import { useWallet } from '@solana/wallet-adapter-react';
 import { useMasterPolicyAccount } from '@/hooks/useMasterPolicyAccount';
 import { useFlightPolicies, type FlightPolicyWithKey } from '@/hooks/useFlightPolicies';
-import { usePolicies } from '@/hooks/usePolicies';
-import type { PolicyWithKey } from '@/store/useProtocolStore';
 import { useToast } from '@/components/common';
 
 const STATUS_NAMES: Record<number, string> = {
@@ -36,7 +34,6 @@ function ChainSyncer() {
   const masterPolicyPDA = useProtocolStore(s => s.masterPolicyPDA);
   const syncMasterFromChain = useProtocolStore(s => s.syncMasterFromChain);
   const syncFlightPoliciesFromChain = useProtocolStore(s => s.syncFlightPoliciesFromChain);
-  const syncTrackBPoliciesFromChain = useProtocolStore(s => s.syncTrackBPoliciesFromChain);
   const addLog = useProtocolStore(s => s.addLog);
 
   const pdaKey = useMemo(
@@ -57,18 +54,8 @@ function ChainSyncer() {
     );
   }, [t, toast, addLog]);
 
-  const handleTrackBStatusChange = useCallback((p: PolicyWithKey, prev: number, next: number) => {
-    const name = `Policy #${p.account.policyId.toNumber()} ${p.account.flightNo}`;
-    toast(t('oracle.statusChanged', { flight: name, from: String(prev), to: String(next) }), 'w');
-    addLog(`${name}: state ${prev} → ${next}`, '#9945FF', 'trackb_state_change');
-  }, [t, toast, addLog]);
-
   const { account } = useMasterPolicyAccount(pdaKey);
   const { policies } = useFlightPolicies(pdaKey, { onStatusChange: handleStatusChange });
-  const { policies: trackBPolicies, claims: trackBClaims } = usePolicies(
-    mode === 'onchain' && publicKey ? publicKey : null,
-    { onStatusChange: handleTrackBStatusChange },
-  );
 
   useEffect(() => {
     if (account) syncMasterFromChain(account);
@@ -78,10 +65,6 @@ function ChainSyncer() {
     if (pdaKey) syncFlightPoliciesFromChain(policies);
   }, [policies]); // eslint-disable-line react-hooks/exhaustive-deps
 
-  useEffect(() => {
-    if (mode === 'onchain') syncTrackBPoliciesFromChain(trackBPolicies, trackBClaims);
-  }, [trackBPolicies, trackBClaims]); // eslint-disable-line react-hooks/exhaustive-deps
-
   return null;
 }
 
diff --git a/frontend/src/components/tabs/tab-feed/ContractFeedTable.tsx b/frontend/src/components/tabs/tab-feed/ContractFeedTable.tsx
index df00b7e..c8286a0 100644
--- a/frontend/src/components/tabs/tab-feed/ContractFeedTable.tsx
+++ b/frontend/src/components/tabs/tab-feed/ContractFeedTable.tsx
@@ -41,7 +41,7 @@ export function ContractFeedTable() {
                 <td style={{ color: '#F59E0B' }}>{formatNum(c.bNet, 4)}</td>
                 <td style={{ color: '#38BDF8' }}>{formatNum(c.rNet, 4)}</td>
                 <td style={{ fontSize: 9, color: 'var(--sub)' }}>{c.ts}</td>
-                <td><Tag variant={c.status === 'active' ? 'accent' : c.status === 'claimed' ? 'warning' : 'subtle'}>{t(`common.${c.status}`)}</Tag></td>
+                <td><Tag variant={c.status === 'active' ? 'accent' : c.status === 'claimed' ? 'warning' : c.status === 'paid' ? 'primary' : 'subtle'}>{t(`common.${c.status}`)}</Tag></td>
               </tr>
             ))}
           </tbody>
diff --git a/frontend/src/components/tabs/tab-oracle/ClaimTable.tsx b/frontend/src/components/tabs/tab-oracle/ClaimTable.tsx
index 20e1e08..5bfc9f2 100644
--- a/frontend/src/components/tabs/tab-oracle/ClaimTable.tsx
+++ b/frontend/src/components/tabs/tab-oracle/ClaimTable.tsx
@@ -24,7 +24,13 @@ export function ClaimTable() {
           </thead>
           <tbody>
             {[...claims].reverse().map(c => {
-              const statusColor = c.status === 'settled' ? 'accent' : c.status === 'approved' ? 'warning' : c.status === 'claimable' ? 'danger' : 'danger';
+              const CLAIM_COLOR: Record<string, string> = {
+                claimable: '#F59E0B',
+                approved:  '#14F195',
+                settled:   '#9945FF',
+                pending:   '#94A3B8',
+              };
+              const clr = CLAIM_COLOR[c.status] ?? '#94A3B8';
               const statusLabel = c.status === 'settled' ? t('claim.status.settled') : c.status === 'approved' ? t('claim.status.approved') : c.status === 'claimable' ? t('claim.status.claimable') : t('claim.status.pending');
               return (
                 <tr key={c.id} className="nr">
@@ -44,9 +50,9 @@ export function ClaimTable() {
                   <td style={{ color: '#38BDF8' }}>{formatNum(c.totRC, 2)}</td>
                   <td>
                     <span style={{ display: 'inline-flex', alignItems: 'center', padding: '2px 6px', borderRadius: 4, fontSize: 9, fontWeight: 700, textTransform: 'uppercase', letterSpacing: '.04em', fontFamily: "'DM Mono', monospace",
-                      background: statusColor === 'accent' ? 'rgba(20,241,149,.12)' : statusColor === 'warning' ? 'rgba(245,158,11,.12)' : 'rgba(239,68,68,.12)',
-                      color: `var(--${statusColor})`,
-                      border: `1px solid ${statusColor === 'accent' ? 'rgba(20,241,149,.3)' : statusColor === 'warning' ? 'rgba(245,158,11,.3)' : 'rgba(239,68,68,.3)'}`,
+                      background: `${clr}1a`,
+                      color: clr,
+                      border: `1px solid ${clr}44`,
                     }}>{statusLabel}</span>
                   </td>
                   <td style={{ fontSize: 9, color: 'var(--sub)' }}>{c.ts}</td>
diff --git a/frontend/src/components/tabs/tab-oracle/OracleConsole.tsx b/frontend/src/components/tabs/tab-oracle/OracleConsole.tsx
index fbc32bc..6c9468e 100644
--- a/frontend/src/components/tabs/tab-oracle/OracleConsole.tsx
+++ b/frontend/src/components/tabs/tab-oracle/OracleConsole.tsx
@@ -9,13 +9,8 @@ import { useToast } from '@/components/common';
 import { useResolveFlightDelay } from '@/hooks/useResolveFlightDelay';
 import { useProgram } from '@/hooks/useProgram';
 import { getFlightPolicyPDA } from '@/lib/pda';
-import { TrackBPanel } from './TrackBPanel';
 
-/* ── Types ── */
-
-type OracleControlMode = 'manual' | 'trackA' | 'trackB';
-
-/* ── Segmented Control ── */
+/* ── Segmented Control (resolve type) ── */
 
 const SegmentWrap = styled.div`
   display: flex;
@@ -75,30 +70,6 @@ const MsgText = styled.div<{ variant: 'error' | 'ok' }>`
   font-weight: ${p => p.variant === 'ok' ? 700 : 400};
 `;
 
-/* ── Daemon badge ── */
-
-const DaemonBadge = styled.div<{ active: boolean }>`
-  display: flex;
-  align-items: center;
-  gap: 8px;
-  padding: 10px 14px;
-  border-radius: 8px;
-  font-size: 12px;
-  font-weight: 600;
-  margin-bottom: 14px;
-  border: 1px solid ${p => p.active ? 'var(--success)' : 'var(--warning, #F59E0B)'};
-  background: ${p => p.active ? 'rgba(34,197,94,.06)' : 'rgba(245,158,11,.06)'};
-  color: ${p => p.active ? 'var(--success)' : 'var(--warning, #F59E0B)'};
-`;
-
-const DaemonDot = styled.span<{ active: boolean }>`
-  width: 8px;
-  height: 8px;
-  flex-shrink: 0;
-  border-radius: 50%;
-  background: ${p => p.active ? 'var(--success)' : 'var(--warning, #F59E0B)'};
-  box-shadow: ${p => p.active ? '0 0 6px rgba(34,197,94,0.6)' : 'none'};
-`;
 
 /* ── Policy monitor ── */
 
@@ -112,34 +83,29 @@ const SectionLabel = styled.div`
   margin-top: 4px;
 `;
 
-/* ── Coming Soon placeholder ── */
+/* ── Info note ── */
 
-const ComingSoonWrap = styled.div`
+const InfoNote = styled.div`
   display: flex;
-  flex-direction: column;
   align-items: center;
-  justify-content: center;
-  padding: 40px 20px;
-  gap: 12px;
-  text-align: center;
-`;
-
-const ComingSoonIcon = styled.div`
-  font-size: 32px;
-`;
-
-const ComingSoonTitle = styled.div`
-  font-size: 14px;
-  font-weight: 700;
-  color: ${p => p.theme.colors.text};
-`;
-
-const ComingSoonSub = styled.div`
+  gap: 8px;
+  padding: 10px 14px;
+  border-radius: 8px;
   font-size: 12px;
+  font-weight: 600;
+  margin-bottom: 14px;
+  border: 1px solid rgba(99,179,237,0.3);
+  background: rgba(99,179,237,0.06);
   color: ${p => p.theme.colors.sub};
-  line-height: 1.5;
 `;
 
+const InfoDot = styled.span`
+  width: 8px;
+  height: 8px;
+  flex-shrink: 0;
+  border-radius: 50%;
+  background: rgba(99,179,237,0.6);
+`;
 
 /* ── OracleConsole ── */
 
@@ -153,7 +119,6 @@ export function OracleConsole() {
   const { resolveFlightDelay, loading } = useResolveFlightDelay();
   const { wallet } = useProgram();
 
-  const [oracleMode, setOracleMode] = useState<OracleControlMode>('manual');
   const [contractId, setContractId] = useState<number>(0);
   const [resolveType, setResolveType] = useState<'delay' | 'noDelay'>('delay');
   const [delay, setDelay] = useState(130);
@@ -161,13 +126,13 @@ export function OracleConsole() {
   const [cancelled, setCancelled] = useState(false);
   const [result, setResult] = useState<{ type: 'error' | 'ok'; msg: string; code?: string } | null>(null);
 
-  const daemonStatus = useMemo(() => {
-    if (lastDaemonActivityTs == null) return { active: false, label: t('oracle.daemonNoData') };
+  const SCHEDULER_INTERVAL_MIN = 15;
+  const nextRunLabel = useMemo(() => {
+    if (lastDaemonActivityTs == null) return null;
     const nowSec = Math.floor(Date.now() / 1000);
-    const diffMin = Math.floor((nowSec - lastDaemonActivityTs) / 60);
-    if (diffMin > 30) return { active: false, label: t('oracle.daemonInactive') };
-    return { active: true, label: t('oracle.daemonLastActive', { minutes: diffMin }) };
-  }, [lastDaemonActivityTs, t]);
+    const minsLeft = Math.ceil((lastDaemonActivityTs + SCHEDULER_INTERVAL_MIN * 60 - nowSec) / 60);
+    return minsLeft > 0 ? `(${minsLeft}분 후)` : '(잠시 후)';
+  }, [lastDaemonActivityTs]);
 
   const handleRun = async () => {
     if (contractId === 0) { toast(t('toast.selectContract'), 'w'); return; }
@@ -208,41 +173,18 @@ export function OracleConsole() {
     <Card>
       <CardHeader>
         <CardTitle>{t('oracle.title')}</CardTitle>
-        <Tag variant="subtle">{mode === 'onchain' ? t('oracle.modeOnchain') : t('oracle.modeSwitchboard')}</Tag>
+        <Tag variant="subtle">{t('oracle.tagManual')}</Tag>
       </CardHeader>
       <CardBody>
-        {/* Oracle control mode selector */}
-        <SegmentWrap role="tablist" aria-label="Oracle control mode">
-          <Segment
-            role="tab"
-            aria-selected={oracleMode === 'manual'}
-            active={oracleMode === 'manual'}
-            onClick={() => setOracleMode('manual')}
-          >
-            {t('oracle.tabManual')}
-          </Segment>
-          <Segment
-            role="tab"
-            aria-selected={oracleMode === 'trackA'}
-            active={oracleMode === 'trackA'}
-            onClick={() => setOracleMode('trackA')}
-          >
-            {t('oracle.tabTrackA')}
-          </Segment>
-          <Segment
-            role="tab"
-            aria-selected={oracleMode === 'trackB'}
-            active={oracleMode === 'trackB'}
-            onClick={() => setOracleMode('trackB')}
-          >
-            {t('oracle.tabTrackB')}
-          </Segment>
-        </SegmentWrap>
-
-        {/* ── Manual ── */}
-        {oracleMode === 'manual' && (
-          <>
-            <FormGroup>
+        <InfoNote>
+          <InfoDot />
+          <span>
+            {t('oracle.manualNote')}
+            {mode === 'onchain' && nextRunLabel && <> <span style={{ opacity: 0.6 }}>{nextRunLabel}</span></>}
+          </span>
+        </InfoNote>
+
+        <FormGroup>
               <FormLabel>{t('oracle.targetContract')}</FormLabel>
               <FormSelect
                 value={contractId}
@@ -355,38 +297,6 @@ export function OracleConsole() {
                   ? (mode === 'onchain' ? t('oracle.runBtnNoDelayOnchain') : t('oracle.runBtnNoDelay'))
                   : (mode === 'onchain' ? t('oracle.runBtnOnchain') : t('oracle.runBtn'))}
             </Button>
-          </>
-        )}
-
-        {/* ── Track A ── */}
-        {oracleMode === 'trackA' && (
-          <>
-            {mode === 'onchain' ? (
-              <>
-                <DaemonBadge active={daemonStatus.active}>
-                  <DaemonDot active={daemonStatus.active} />
-                  <span>
-                    <strong>{t('oracle.daemonBadge')}</strong>
-                    &nbsp;·&nbsp;
-                    {daemonStatus.label}
-                  </span>
-                </DaemonBadge>
-                <ComingSoonSub style={{ textAlign: 'center', padding: '8px 0' }}>
-                  {t('oracle.trackAMonitorHintPlain')}
-                </ComingSoonSub>
-              </>
-            ) : (
-              <ComingSoonWrap>
-                <ComingSoonIcon>🤖</ComingSoonIcon>
-                <ComingSoonTitle>{t('oracle.trackASimTitle')}</ComingSoonTitle>
-                <ComingSoonSub style={{ whiteSpace: 'pre-line' }}>{t('oracle.trackASimDesc')}</ComingSoonSub>
-              </ComingSoonWrap>
-            )}
-          </>
-        )}
-
-        {/* ── Track B ── */}
-        {oracleMode === 'trackB' && <TrackBPanel />}
       </CardBody>
     </Card>
   );
diff --git a/frontend/src/components/tabs/tab-oracle/PolicyMonitorTable.tsx b/frontend/src/components/tabs/tab-oracle/PolicyMonitorTable.tsx
index 8484d6e..6198817 100644
--- a/frontend/src/components/tabs/tab-oracle/PolicyMonitorTable.tsx
+++ b/frontend/src/components/tabs/tab-oracle/PolicyMonitorTable.tsx
@@ -81,7 +81,8 @@ const SettleBtn = styled.button`
 
 const STATUS_COLOR: Record<string, string> = {
   active: '#14F195',
-  claimed: '#9945FF',
+  claimed: '#F59E0B',
+  paid: '#9945FF',
   noClaim: '#94A3B8',
   expired: '#64748B',
   settled: '#22C55E',
@@ -89,7 +90,8 @@ const STATUS_COLOR: Record<string, string> = {
 
 const STATUS_ICON: Record<string, string> = {
   active: '⏳',
-  claimed: '✅',
+  claimed: '⚠',
+  paid: '✅',
   noClaim: '──',
   expired: '⏰',
   settled: '💸',
diff --git a/frontend/src/components/tabs/tab-oracle/TrackBPanel.tsx b/frontend/src/components/tabs/tab-oracle/TrackBPanel.tsx
deleted file mode 100644
index 48091a9..0000000
--- a/frontend/src/components/tabs/tab-oracle/TrackBPanel.tsx
+++ /dev/null
@@ -1,714 +0,0 @@
-import { useState, useMemo, Fragment } from 'react';
-import styled from '@emotion/styled';
-import { PublicKey } from '@solana/web3.js';
-import { BN } from '@coral-xyz/anchor';
-import { useTranslation } from 'react-i18next';
-import { Button, Divider, FormGroup, FormLabel, FormInput, Tag, useToast } from '@/components/common';
-import { useProtocolStore } from '@/store/useProtocolStore';
-import { useProgram } from '@/hooks/useProgram';
-import { useCreatePolicy } from '@/hooks/useCreatePolicy';
-import { useOpenUnderwriting } from '@/hooks/useOpenUnderwriting';
-import { useActivatePolicy } from '@/hooks/useActivatePolicy';
-import { useAcceptShare } from '@/hooks/useAcceptShare';
-import { useRejectShare } from '@/hooks/useRejectShare';
-import { useExpirePolicy } from '@/hooks/useExpirePolicy';
-import { useRefundAfterExpiry } from '@/hooks/useRefundAfterExpiry';
-import { useRegisterPolicyholder } from '@/hooks/useRegisterPolicyholder';
-import { useTrackBSettle } from '@/hooks/useTrackBSettle';
-import { useUnderwriting } from '@/hooks/useUnderwriting';
-import { useCheckOracle } from '@/hooks/useCheckOracle';
-import {
-  PolicyState,
-  UnderwritingStatus,
-  ParticipantStatus,
-  POLICY_STATE_LABELS,
-  UNDERWRITING_STATUS_LABELS,
-  PARTICIPANT_STATUS_LABELS,
-} from '@/lib/idl/open_parametric';
-import type { PolicyholderEntryInput } from '@/lib/idl/open_parametric';
-import { CURRENCY_MINT } from '@/lib/constants';
-
-/* ── Styled ── */
-
-const Section = styled.div`
-  margin-bottom: 16px;
-`;
-
-const SectionLabel = styled.div`
-  font-size: 10px;
-  font-weight: 700;
-  color: ${p => p.theme.colors.sub};
-  text-transform: uppercase;
-  letter-spacing: 0.08em;
-  margin-bottom: 8px;
-  margin-top: 4px;
-`;
-
-const DaemonBadge = styled.div<{ active: boolean }>`
-  display: flex;
-  align-items: center;
-  gap: 8px;
-  padding: 10px 14px;
-  border-radius: 8px;
-  font-size: 12px;
-  font-weight: 600;
-  margin-bottom: 14px;
-  border: 1px solid ${p => p.active ? 'var(--success)' : 'var(--warning, #F59E0B)'};
-  background: ${p => p.active ? 'rgba(34,197,94,.06)' : 'rgba(245,158,11,.06)'};
-  color: ${p => p.active ? 'var(--success)' : 'var(--warning, #F59E0B)'};
-`;
-
-const DaemonDot = styled.span<{ active: boolean }>`
-  width: 8px;
-  height: 8px;
-  flex-shrink: 0;
-  border-radius: 50%;
-  background: ${p => p.active ? 'var(--success)' : 'var(--warning, #F59E0B)'};
-  box-shadow: ${p => p.active ? '0 0 6px rgba(34,197,94,0.6)' : 'none'};
-`;
-
-const MiniTable = styled.table`
-  width: 100%;
-  border-collapse: collapse;
-  th {
-    padding: 4px 8px;
-    text-align: left;
-    font-size: 9px;
-    font-weight: 700;
-    text-transform: uppercase;
-    letter-spacing: 0.08em;
-    color: ${p => p.theme.colors.sub};
-    border-bottom: 1px solid ${p => p.theme.colors.border};
-    white-space: nowrap;
-    position: sticky;
-    top: 0;
-    z-index: 1;
-    background: ${p => p.theme.colors.surface1};
-  }
-  td {
-    padding: 5px 8px;
-    border-bottom: 1px solid ${p => p.theme.colors.border};
-    font-size: 11px;
-  }
-  tr:last-child td { border-bottom: none; }
-  tr:hover td { background: ${p => p.theme.colors.surface2}; }
-`;
-
-const Mono = styled.span`
-  font-family: 'DM Mono', monospace;
-  font-size: 10px;
-`;
-
-const StatusBadge = styled.span<{ clr: string }>`
-  display: inline-flex;
-  align-items: center;
-  gap: 3px;
-  padding: 1px 5px;
-  border-radius: 4px;
-  font-size: 9px;
-  font-weight: 700;
-  text-transform: uppercase;
-  letter-spacing: 0.04em;
-  font-family: 'DM Mono', monospace;
-  background: ${p => p.clr}1a;
-  color: ${p => p.clr};
-  border: 1px solid ${p => p.clr}44;
-`;
-
-const ActionBtn = styled.button<{ variant?: 'primary' | 'danger' | 'default' }>`
-  font-size: 10px;
-  font-weight: 600;
-  padding: 3px 9px;
-  border-radius: 5px;
-  border: 1px solid ${p =>
-    p.variant === 'danger' ? 'var(--danger)' :
-    p.variant === 'primary' ? p.theme.colors.primary :
-    p.theme.colors.border};
-  background: ${p =>
-    p.variant === 'danger' ? 'rgba(239,68,68,0.08)' :
-    p.variant === 'primary' ? 'rgba(153,69,255,0.08)' :
-    'transparent'};
-  color: ${p =>
-    p.variant === 'danger' ? 'var(--danger)' :
-    p.variant === 'primary' ? p.theme.colors.primary :
-    p.theme.colors.text};
-  cursor: pointer;
-  white-space: nowrap;
-  flex-shrink: 0;
-  transition: all 0.15s;
-  &:hover { opacity: 0.8; }
-  &:disabled { opacity: 0.4; cursor: not-allowed; }
-`;
-
-const ExpandRow = styled.tr`
-  td {
-    padding: 8px 12px !important;
-    background: ${p => p.theme.colors.surface2};
-  }
-`;
-
-const ParticipantRow = styled.div`
-  display: flex;
-  align-items: center;
-  gap: 8px;
-  padding: 4px 0;
-  font-size: 11px;
-  border-bottom: 1px solid ${p => p.theme.colors.border};
-  &:last-child { border-bottom: none; }
-`;
-
-const FormRow = styled.div`
-  display: flex;
-  gap: 8px;
-  align-items: flex-end;
-  margin-bottom: 8px;
-`;
-
-const SmallInput = styled(FormInput)`
-  font-size: 11px;
-  padding: 5px 8px;
-  font-family: 'DM Mono', monospace;
-  color-scheme: dark;
-`;
-
-const STATE_COLORS: Record<number, string> = {
-  [PolicyState.Draft]: '#94A3B8',
-  [PolicyState.Open]: '#F59E0B',
-  [PolicyState.Funded]: '#38BDF8',
-  [PolicyState.Active]: '#14F195',
-  [PolicyState.Claimable]: '#9945FF',
-  [PolicyState.Approved]: '#9945FF',
-  [PolicyState.Settled]: '#22C55E',
-  [PolicyState.Expired]: '#64748B',
-};
-
-/* ── Subcomponents ── */
-
-function UWDetail({ policyPubkey }: { policyPubkey: PublicKey }) {
-  const { t } = useTranslation();
-  const { toast } = useToast();
-  const { wallet } = useProgram();
-  const { account: uw, loading: uwLoading } = useUnderwriting(policyPubkey);
-  const { acceptShare, loading: acceptLoading } = useAcceptShare();
-  const { rejectShare, loading: rejectLoading } = useRejectShare();
-  const [depositAmount, setDepositAmount] = useState('');
-
-  if (uwLoading || !uw) return <Mono style={{ color: 'var(--sub)' }}>Loading...</Mono>;
-
-  const walletKey = wallet?.publicKey?.toBase58();
-
-  return (
-    <div>
-      <div style={{ display: 'flex', gap: 8, alignItems: 'center', marginBottom: 6 }}>
-        <SectionLabel style={{ margin: 0 }}>{t('oracle.trackBUWStatus')}</SectionLabel>
-        <StatusBadge clr={uw.status === UnderwritingStatus.Finalized ? '#22C55E' : '#F59E0B'}>
-          {UNDERWRITING_STATUS_LABELS[uw.status] || String(uw.status)}
-        </StatusBadge>
-      </div>
-      <SectionLabel style={{ marginTop: 8 }}>{t('oracle.trackBParticipantList')}</SectionLabel>
-      {uw.participants.map((p, i) => {
-        const isMe = walletKey === p.insurer.toBase58();
-        const isPending = p.status === ParticipantStatus.Pending;
-        return (
-          <ParticipantRow key={i}>
-            <Mono style={{ flex: 1, color: isMe ? 'var(--accent)' : 'var(--sub)' }}>
-              {p.insurer.toBase58().slice(0, 8)}… {isMe && '(me)'}
-            </Mono>
-            <Tag variant="subtle" style={{ fontSize: 9 }}>{p.ratioBps} bps</Tag>
-            <StatusBadge clr={
-              p.status === ParticipantStatus.Accepted ? '#22C55E' :
-              p.status === ParticipantStatus.Rejected ? '#EF4444' : '#F59E0B'
-            }>
-              {PARTICIPANT_STATUS_LABELS[p.status] || String(p.status)}
-            </StatusBadge>
-            {isMe && isPending && uw.status === UnderwritingStatus.Open && (
-              <>
-                <SmallInput
-                  type="number"
-                  placeholder={t('oracle.trackBDepositAmount')}
-                  value={depositAmount}
-                  onChange={e => setDepositAmount(e.target.value)}
-                  style={{ width: 100 }}
-                />
-                <ActionBtn
-                  variant="primary"
-                  disabled={acceptLoading || !depositAmount}
-                  onClick={async () => {
-                    const res = await acceptShare(policyPubkey, i, new BN(depositAmount));
-                    if (res.success) toast(t('oracle.trackBAcceptDone'), 's');
-                    else toast(res.error || '', 'd');
-                  }}
-                >
-                  {t('oracle.trackBAcceptShare')}
-                </ActionBtn>
-                <ActionBtn
-                  variant="danger"
-                  disabled={rejectLoading}
-                  onClick={async () => {
-                    const res = await rejectShare(policyPubkey, i);
-                    if (res.success) toast(t('oracle.trackBRejectDone'), 's');
-                    else toast(res.error || '', 'd');
-                  }}
-                >
-                  {t('oracle.trackBRejectShare')}
-                </ActionBtn>
-              </>
-            )}
-          </ParticipantRow>
-        );
-      })}
-    </div>
-  );
-}
-
-/* ── Main Panel ── */
-
-export function TrackBPanel() {
-  const { t } = useTranslation();
-  const { toast } = useToast();
-  const { wallet } = useProgram();
-  const { trackBPolicies, trackBClaims, lastDaemonActivityTs } = useProtocolStore();
-
-  // Hooks
-  const { createPolicy, loading: createLoading } = useCreatePolicy();
-  const { openUnderwriting, loading: openUWLoading } = useOpenUnderwriting();
-  const { activatePolicy, loading: activateLoading } = useActivatePolicy();
-  const { expirePolicy, loading: expireLoading } = useExpirePolicy();
-  const { refundAfterExpiry, loading: refundLoading } = useRefundAfterExpiry();
-  const { registerPolicyholder, loading: registerLoading } = useRegisterPolicyholder();
-  const { approveClaim, settleClaim, loading: settleLoading } = useTrackBSettle();
-  const { checkOracle, loading: oracleCheckLoading } = useCheckOracle();
-
-  // UI state
-  const [expandedKey, setExpandedKey] = useState<string | null>(null);
-  const [showCreateForm, setShowCreateForm] = useState(false);
-  const [actionLoading, setActionLoading] = useState<string | null>(null);
-
-  // Create policy form state
-  const [cpId, setCpId] = useState('1');
-  const [cpRoute, setCpRoute] = useState('');
-  const [cpFlightNo, setCpFlightNo] = useState('');
-  const [cpDepDate, setCpDepDate] = useState('');
-  const [cpPayout, setCpPayout] = useState('');
-  const [cpOracleFeed, setCpOracleFeed] = useState('');
-  const [cpActiveFrom, setCpActiveFrom] = useState('');
-  const [cpActiveTo, setCpActiveTo] = useState('');
-  const [cpReinsurer, setCpReinsurer] = useState('');
-  const [cpCededBps, setCpCededBps] = useState('0');
-  const [cpReinsBps, setCpReinsBps] = useState('0');
-  const [cpMint, setCpMint] = useState(CURRENCY_MINT.toBase58());
-  const [cpParticipants, setCpParticipants] = useState<{ insurer: string; ratioBps: string }[]>([
-    { insurer: '', ratioBps: '10000' },
-  ]);
-
-  // Register policyholder form
-  const [showRegister, setShowRegister] = useState<string | null>(null);
-  const [regRef, setRegRef] = useState('');
-  const [regPolicyId, setRegPolicyId] = useState('');
-  const [regFlightNo, setRegFlightNo] = useState('');
-  const [regDepDate, setRegDepDate] = useState('');
-  const [regPassengers, setRegPassengers] = useState('1');
-  const [regPremium, setRegPremium] = useState('');
-  const [regCoverage, setRegCoverage] = useState('');
-
-  // Oracle trigger form
-  const [oraclePolicyKey, setOraclePolicyKey] = useState('');
-
-  const daemonStatus = useMemo(() => {
-    if (lastDaemonActivityTs == null) return { active: false, label: t('oracle.daemonNoData') };
-    const nowSec = Math.floor(Date.now() / 1000);
-    const diffMin = Math.floor((nowSec - lastDaemonActivityTs) / 60);
-    if (diffMin > 30) return { active: false, label: t('oracle.daemonInactive') };
-    return { active: true, label: t('oracle.daemonLastActive', { minutes: diffMin }) };
-  }, [lastDaemonActivityTs, t]);
-
-  const ratioSum = cpParticipants.reduce((s, p) => s + (parseInt(p.ratioBps) || 0), 0);
-
-  const handleCreatePolicy = async () => {
-    if (!wallet) return;
-    try {
-      const mint = new PublicKey(cpMint);
-      const params = {
-        policyId: new BN(cpId),
-        route: cpRoute,
-        flightNo: cpFlightNo,
-        departureDate: new BN(Math.floor(new Date(cpDepDate).getTime() / 1000)),
-        delayThresholdMin: 120,
-        payoutAmount: new BN(cpPayout),
-        oracleFeed: new PublicKey(cpOracleFeed),
-        activeFrom: new BN(Math.floor(new Date(cpActiveFrom).getTime() / 1000)),
-        activeTo: new BN(Math.floor(new Date(cpActiveTo).getTime() / 1000)),
-        participants: cpParticipants.map(p => ({
-          insurer: new PublicKey(p.insurer),
-          ratioBps: parseInt(p.ratioBps),
-        })),
-      };
-      const res = await createPolicy(params, mint);
-      if (res.success) { toast(t('oracle.trackBCreated'), 's'); setShowCreateForm(false); }
-      else toast(res.error || '', 'd');
-    } catch (err) {
-      toast(err instanceof Error ? err.message : String(err), 'd');
-    }
-  };
-
-  const handleRegisterPH = async (policyPK: string) => {
-    try {
-      const entry: PolicyholderEntryInput = {
-        externalRef: regRef,
-        policyId: new BN(regPolicyId),
-        flightNo: regFlightNo,
-        departureDate: new BN(Math.floor(new Date(regDepDate).getTime() / 1000)),
-        passengerCount: parseInt(regPassengers),
-        premiumPaid: new BN(regPremium),
-        coverageAmount: new BN(regCoverage),
-      };
-      const res = await registerPolicyholder(new PublicKey(policyPK), entry);
-      if (res.success) { toast(t('oracle.trackBRegisterPHDone'), 's'); setShowRegister(null); }
-      else toast(res.error || '', 'd');
-    } catch (err) {
-      toast(err instanceof Error ? err.message : String(err), 'd');
-    }
-  };
-
-  return (
-    <>
-      {/* Daemon badge */}
-      <DaemonBadge active={daemonStatus.active}>
-        <DaemonDot active={daemonStatus.active} />
-        <span>
-          <strong>{t('oracle.trackBDaemonBadge')}</strong>
-          &nbsp;·&nbsp;{daemonStatus.label}
-        </span>
-      </DaemonBadge>
-
-      {/* Policy monitor table */}
-      <SectionLabel>{t('oracle.trackBMonitor')}</SectionLabel>
-      {trackBPolicies.length === 0 ? (
-        <div style={{ textAlign: 'center', padding: '8px 0', fontSize: 12, color: 'var(--sub)' }}>
-          {t('oracle.trackBNoPolicies')}
-        </div>
-      ) : (
-        <div style={{ overflowX: 'auto', overflowY: 'auto', maxHeight: 300 }}>
-          <MiniTable>
-            <thead>
-              <tr>
-                <th>#</th>
-                <th>{t('oracle.th.flight')}</th>
-                <th>{t('oracle.th.status')}</th>
-                <th></th>
-              </tr>
-            </thead>
-            <tbody>
-              {trackBPolicies.map(p => {
-                const pKey = p.publicKey.toBase58();
-                const claim = trackBClaims.find(c => c.account.policy.toBase58() === pKey);
-                const stateNum = p.account.state;
-                const clr = STATE_COLORS[stateNum] || '#94A3B8';
-                const stateLabel = POLICY_STATE_LABELS[stateNum] || String(stateNum);
-                const isExpanded = expandedKey === pKey;
-                const nowSec = Math.floor(Date.now() / 1000);
-                const canExpire = stateNum === PolicyState.Active && p.account.activeTo.toNumber() < nowSec;
-
-                return (
-                  <Fragment key={pKey}>
-                    <tr style={{ cursor: 'pointer' }} onClick={() => setExpandedKey(isExpanded ? null : pKey)}>
-                      <td><Mono style={{ color: 'var(--accent)', fontWeight: 700 }}>#{p.account.policyId.toNumber()}</Mono></td>
-                      <td><Mono style={{ color: 'var(--accent)', fontWeight: 600 }}>{p.account.flightNo || pKey.slice(0, 8)}</Mono></td>
-                      <td><StatusBadge clr={clr}>{stateLabel}</StatusBadge></td>
-                      <td style={{ display: 'flex', gap: 4, flexWrap: 'wrap' }}>
-                        {/* Draft → Open UW */}
-                        {stateNum === PolicyState.Draft && (
-                          <ActionBtn variant="primary" disabled={openUWLoading}
-                            onClick={async (e) => { e.stopPropagation(); setActionLoading(`uw-${pKey}`);
-                              const res = await openUnderwriting(p.publicKey);
-                              setActionLoading(null);
-                              if (res.success) toast(t('oracle.trackBOpenUWDone'), 's');
-                              else toast(res.error || '', 'd');
-                            }}>
-                            {actionLoading === `uw-${pKey}` ? '…' : t('oracle.trackBOpenUW')}
-                          </ActionBtn>
-                        )}
-                        {/* Funded → Activate */}
-                        {stateNum === PolicyState.Funded && (
-                          <ActionBtn variant="primary" disabled={activateLoading}
-                            onClick={async (e) => { e.stopPropagation(); setActionLoading(`act-${pKey}`);
-                              const res = await activatePolicy(p.publicKey);
-                              setActionLoading(null);
-                              if (res.success) toast(t('oracle.trackBActivateDone'), 's');
-                              else toast(res.error || '', 'd');
-                            }}>
-                            {actionLoading === `act-${pKey}` ? '…' : t('oracle.trackBActivate')}
-                          </ActionBtn>
-                        )}
-                        {/* Active + expired time → Expire */}
-                        {canExpire && (
-                          <ActionBtn disabled={expireLoading}
-                            onClick={async (e) => { e.stopPropagation(); setActionLoading(`exp-${pKey}`);
-                              const res = await expirePolicy(p.publicKey);
-                              setActionLoading(null);
-                              if (res.success) toast(t('oracle.trackBExpireDone'), 's');
-                              else toast(res.error || '', 'd');
-                            }}>
-                            {actionLoading === `exp-${pKey}` ? '…' : t('oracle.trackBExpire')}
-                          </ActionBtn>
-                        )}
-                        {/* Claimable → Approve */}
-                        {stateNum === PolicyState.Claimable && claim && (
-                          <ActionBtn variant="primary" disabled={settleLoading}
-                            onClick={async (e) => { e.stopPropagation(); setActionLoading(`apr-${pKey}`);
-                              const res = await approveClaim(p.publicKey, claim.publicKey);
-                              setActionLoading(null);
-                              if (res.success) toast(t('oracle.trackBApproved'), 's');
-                              else toast(res.error || '', 'd');
-                            }}>
-                            {actionLoading === `apr-${pKey}` ? '…' : t('oracle.trackBApproveBtn')}
-                          </ActionBtn>
-                        )}
-                        {/* Approved → Settle */}
-                        {stateNum === PolicyState.Approved && claim && (
-                          <ActionBtn variant="primary" disabled={settleLoading}
-                            onClick={async (e) => { e.stopPropagation(); setActionLoading(`stl-${pKey}`);
-                              const res = await settleClaim(p.publicKey, claim.publicKey);
-                              setActionLoading(null);
-                              if (res.success) toast(t('oracle.trackBSettled'), 's');
-                              else toast(res.error || '', 'd');
-                            }}>
-                            {actionLoading === `stl-${pKey}` ? '…' : t('oracle.trackBSettleBtn')}
-                          </ActionBtn>
-                        )}
-                        {/* Expired → Refund */}
-                        {stateNum === PolicyState.Expired && (
-                          <ActionBtn disabled={refundLoading}
-                            onClick={async (e) => { e.stopPropagation(); setActionLoading(`ref-${pKey}`);
-                              const res = await refundAfterExpiry(p.publicKey, 0);
-                              setActionLoading(null);
-                              if (res.success) toast(t('oracle.trackBRefundDone'), 's');
-                              else toast(res.error || '', 'd');
-                            }}>
-                            {actionLoading === `ref-${pKey}` ? '…' : t('oracle.trackBRefund')}
-                          </ActionBtn>
-                        )}
-                        {/* Register PH */}
-                        <ActionBtn onClick={(e) => { e.stopPropagation(); setShowRegister(showRegister === pKey ? null : pKey); }}>
-                          {t('oracle.trackBRegisterPH')}
-                        </ActionBtn>
-                      </td>
-                    </tr>
-                    {/* Expanded: UW detail */}
-                    {isExpanded && (
-                      <ExpandRow key={`${pKey}-uw`}>
-                        <td colSpan={4}>
-                          <UWDetail policyPubkey={p.publicKey} />
-                        </td>
-                      </ExpandRow>
-                    )}
-                    {/* Register PH form */}
-                    {showRegister === pKey && (
-                      <ExpandRow key={`${pKey}-reg`}>
-                        <td colSpan={4}>
-                          <SectionLabel>{t('oracle.trackBRegisterPH')}</SectionLabel>
-                          <FormRow>
-                            <SmallInput placeholder={t('oracle.trackBExternalRef')} value={regRef} onChange={e => setRegRef(e.target.value)} style={{ flex: 1 }} />
-                            <SmallInput placeholder={t('oracle.trackBPolicyId')} type="number" value={regPolicyId} onChange={e => setRegPolicyId(e.target.value)} style={{ width: 80 }} />
-                          </FormRow>
-                          <FormRow>
-                            <SmallInput placeholder={t('oracle.trackBFlightNo')} value={regFlightNo} onChange={e => setRegFlightNo(e.target.value)} style={{ flex: 1 }} />
-                            <SmallInput type="date" value={regDepDate} onChange={e => setRegDepDate(e.target.value)} style={{ flex: 1 }} />
-                          </FormRow>
-                          <FormRow>
-                            <SmallInput placeholder={t('oracle.trackBPassengerCount')} type="number" value={regPassengers} onChange={e => setRegPassengers(e.target.value)} style={{ width: 80 }} />
-                            <SmallInput placeholder={t('oracle.trackBPremiumPaid')} type="number" value={regPremium} onChange={e => setRegPremium(e.target.value)} style={{ flex: 1 }} />
-                            <SmallInput placeholder={t('oracle.trackBCoverageAmount')} type="number" value={regCoverage} onChange={e => setRegCoverage(e.target.value)} style={{ flex: 1 }} />
-                          </FormRow>
-                          <ActionBtn variant="primary" disabled={registerLoading} onClick={() => handleRegisterPH(pKey)}>
-                            {registerLoading ? '…' : t('oracle.trackBRegisterPH')}
-                          </ActionBtn>
-                        </td>
-                      </ExpandRow>
-                    )}
-                  </Fragment>
-                );
-              })}
-            </tbody>
-          </MiniTable>
-        </div>
-      )}
-
-      <Divider />
-
-      {/* Policy creation form */}
-      <Section>
-        <div style={{ display: 'flex', justifyContent: 'space-between', alignItems: 'center' }}>
-          <SectionLabel>{t('oracle.trackBCreatePolicy')}</SectionLabel>
-          <ActionBtn variant="primary" onClick={() => setShowCreateForm(!showCreateForm)}>
-            {showCreateForm ? '−' : '+'}
-          </ActionBtn>
-        </div>
-        {showCreateForm && (
-          <div style={{ marginTop: 8 }}>
-            <FormRow>
-              <FormGroup style={{ flex: 1, marginBottom: 0 }}>
-                <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBPolicyId')}</FormLabel>
-                <SmallInput type="number" value={cpId} onChange={e => setCpId(e.target.value)} />
-              </FormGroup>
-              <FormGroup style={{ flex: 2, marginBottom: 0 }}>
-                <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBRoute')}</FormLabel>
-                <SmallInput value={cpRoute} onChange={e => setCpRoute(e.target.value)} placeholder="ICN-NRT" />
-              </FormGroup>
-            </FormRow>
-            <FormRow>
-              <FormGroup style={{ flex: 1, marginBottom: 0 }}>
-                <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBFlightNo')}</FormLabel>
-                <SmallInput value={cpFlightNo} onChange={e => setCpFlightNo(e.target.value)} placeholder="KE001" />
-              </FormGroup>
-              <FormGroup style={{ flex: 1, marginBottom: 0 }}>
-                <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBPayoutAmount')}</FormLabel>
-                <SmallInput type="number" value={cpPayout} onChange={e => setCpPayout(e.target.value)} />
-              </FormGroup>
-            </FormRow>
-            <FormRow>
-              <FormGroup style={{ flex: 1, marginBottom: 0 }}>
-                <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBDepartureDate')}</FormLabel>
-                <SmallInput type="date" value={cpDepDate} onChange={e => setCpDepDate(e.target.value)} />
-              </FormGroup>
-            </FormRow>
-            <FormGroup>
-              <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBActiveFrom')}</FormLabel>
-              <SmallInput type="date" value={cpActiveFrom} onChange={e => setCpActiveFrom(e.target.value)} />
-            </FormGroup>
-            <FormGroup>
-              <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBActiveTo')}</FormLabel>
-              <SmallInput type="date" value={cpActiveTo} onChange={e => setCpActiveTo(e.target.value)} />
-            </FormGroup>
-            <FormGroup>
-              <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBOracleFeed')}</FormLabel>
-              <SmallInput value={cpOracleFeed} onChange={e => setCpOracleFeed(e.target.value)} placeholder="Pubkey..." />
-            </FormGroup>
-            <FormGroup>
-              <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBCurrencyMint')}</FormLabel>
-              <SmallInput value={cpMint} onChange={e => setCpMint(e.target.value)} />
-            </FormGroup>
-
-            {/* Reinsurer */}
-            <SectionLabel>{t('oracle.trackBReinsurer')}</SectionLabel>
-            <FormGroup>
-              <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBReinsurerAddr')}</FormLabel>
-              <SmallInput value={cpReinsurer} onChange={e => setCpReinsurer(e.target.value)} placeholder="Pubkey..." />
-            </FormGroup>
-            <FormRow>
-              <FormGroup style={{ flex: 1, marginBottom: 0 }}>
-                <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBCededBps')}</FormLabel>
-                <SmallInput type="number" value={cpCededBps} onChange={e => setCpCededBps(e.target.value)} placeholder="0" />
-              </FormGroup>
-              <FormGroup style={{ flex: 1, marginBottom: 0 }}>
-                <FormLabel style={{ fontSize: 10 }}>{t('oracle.trackBReinsBps')}</FormLabel>
-                <SmallInput type="number" value={cpReinsBps} onChange={e => setCpReinsBps(e.target.value)} placeholder="0" />
-              </FormGroup>
-            </FormRow>
-
-            {/* Participants */}
-            <SectionLabel style={{ marginTop: 8 }}>{t('oracle.trackBParticipants')}</SectionLabel>
-            {cpParticipants.map((p, i) => (
-              <FormRow key={i}>
-                <SmallInput
-                  placeholder={t('oracle.trackBInsurer')}
-                  value={p.insurer}
-                  onChange={e => {
-                    const val = e.target.value;
-                    setCpParticipants(prev => prev.map((item, j) =>
-                      j === i ? { insurer: val, ratioBps: item.ratioBps } : item,
-                    ));
-                  }}
-                  style={{ flex: 3 }}
-                />
-                <SmallInput
-                  type="number"
-                  placeholder={t('oracle.trackBRatioBps')}
-                  value={p.ratioBps}
-                  onChange={e => {
-                    const val = e.target.value;
-                    setCpParticipants(prev => prev.map((item, j) =>
-                      j === i ? { insurer: item.insurer, ratioBps: val } : item,
-                    ));
-                  }}
-                  style={{ width: 80 }}
-                />
-                {cpParticipants.length > 1 && (
-                  <ActionBtn variant="danger" onClick={() => setCpParticipants(cpParticipants.filter((_, j) => j !== i))}>
-                    {t('oracle.trackBRemoveParticipant')}
-                  </ActionBtn>
-                )}
-              </FormRow>
-            ))}
-            <div style={{ display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginBottom: 8 }}>
-              <ActionBtn onClick={() => setCpParticipants([...cpParticipants, { insurer: '', ratioBps: '' }])}>
-                {t('oracle.trackBAddParticipant')}
-              </ActionBtn>
-              <Mono style={{ color: ratioSum === 10000 ? 'var(--success)' : 'var(--warning)' }}>
-                {t('oracle.trackBRatioSum', { sum: ratioSum })}
-              </Mono>
-            </div>
-
-            <Button
-              variant="primary"
-              fullWidth
-              disabled={createLoading || ratioSum !== 10000 || !cpRoute || !cpFlightNo}
-              onClick={handleCreatePolicy}
-            >
-              {createLoading ? '…' : t('oracle.trackBCreateBtn')}
-            </Button>
-          </div>
-        )}
-      </Section>
-
-      <Divider />
-
-      {/* Manual oracle trigger */}
-      <Section>
-        <SectionLabel>{t('oracle.trackBManualTrigger')}</SectionLabel>
-        <FormRow>
-          <FormGroup style={{ flex: 2, marginBottom: 0 }}>
-            <FormLabel style={{ fontSize: 10 }}>Policy</FormLabel>
-            <SmallInput
-              as="select"
-              value={oraclePolicyKey}
-              onChange={e => setOraclePolicyKey(e.target.value)}
-            >
-              <option value="">—</option>
-              {trackBPolicies
-                .filter(p => p.account.state === PolicyState.Active)
-                .map(p => (
-                  <option key={p.publicKey.toBase58()} value={p.publicKey.toBase58()}>
-                    #{p.account.policyId.toNumber()} {p.account.flightNo}
-                  </option>
-                ))}
-            </SmallInput>
-          </FormGroup>
-        </FormRow>
-        <ActionBtn
-          variant="primary"
-          disabled={!oraclePolicyKey || oracleCheckLoading}
-          style={{ marginTop: 4 }}
-          onClick={async () => {
-            if (!oraclePolicyKey) return;
-            try {
-              const res = await checkOracle(new PublicKey(oraclePolicyKey));
-              if (res.success) {
-                toast(t('oracle.trackBOracleSuccess'), 's');
-              } else {
-                toast(t('oracle.trackBOracleFail', { error: res.error }), 'd');
-              }
-            } catch {
-              toast(t('oracle.trackBOracleFail', { error: 'Switchboard SDK error' }), 'd');
-            }
-          }}
-        >
-          {oracleCheckLoading ? '…' : t('oracle.trackBCheckOracleBtn')}
-        </ActionBtn>
-        <div style={{ fontSize: 10, color: 'var(--sub)', marginTop: 4 }}>
-          {t('oracle.trackBManualHint')}
-        </div>
-      </Section>
-    </>
-  );
-}
diff --git a/frontend/src/hooks/useFlightPolicies.ts b/frontend/src/hooks/useFlightPolicies.ts
index ef7b8b7..0d31c0f 100644
--- a/frontend/src/hooks/useFlightPolicies.ts
+++ b/frontend/src/hooks/useFlightPolicies.ts
@@ -132,8 +132,10 @@ export function useFlightPolicies(
     if (!masterKey) return;
 
     const es = new EventSource(`${BACKEND_URL}/api/events?master=${masterKey}`);
+    console.log('[SSE] connected:', `${BACKEND_URL}/api/events?master=${masterKey}`);
 
     es.addEventListener('flight_policy_updated', (e: MessageEvent) => {
+      console.log('[SSE] flight_policy_updated', JSON.parse(e.data));
       try {
         const data: BackendFlightPolicy = JSON.parse(e.data);
         if (data.master !== masterKey) return;
@@ -143,17 +145,15 @@ export function useFlightPolicies(
 
         setPolicies((prev) => {
           const idx = prev.findIndex((p) => p.account.childPolicyId.toNumber() === id);
-
-          // Status change detection
-          const cb = onStatusChangeRef.current;
           const existing = idx >= 0 ? prev[idx]! : undefined;
-          if (existing && cb) {
-            const prevStatus = existing.account.status;
-            if (prevStatus !== updated.account.status) {
-              cb(updated, prevStatus, updated.account.status);
-            }
+
+          const prevStatus = existing?.account.status;
+          const nextStatus = updated.account.status;
+          if (prevStatus !== undefined && prevStatus !== nextStatus) {
+            const cb = onStatusChangeRef.current;
+            if (cb) setTimeout(() => cb(updated, prevStatus, nextStatus), 0);
           }
-          prevStatusRef.current.set(id, updated.account.status);
+          prevStatusRef.current.set(id, nextStatus);
 
           if (idx >= 0) {
             const next = [...prev];
diff --git a/frontend/src/hooks/usePolicies.ts b/frontend/src/hooks/usePolicies.ts
deleted file mode 100644
index 90a0fc7..0000000
--- a/frontend/src/hooks/usePolicies.ts
+++ /dev/null
@@ -1,169 +0,0 @@
-import { useEffect, useState, useCallback, useRef, useMemo } from 'react';
-import { PublicKey } from '@solana/web3.js';
-import { useProgram } from './useProgram';
-import type { PolicyAccount, ClaimAccount } from '@/lib/idl/open_parametric';
-import type { PolicyWithKey, ClaimWithKey } from '@/store/useProtocolStore';
-
-/**
- * Fetch all Track B Policy accounts for a given leader.
- * Policy.leader is at offset 16: discriminator(8) + policy_id(u64=8).
- * Also fetches associated Claim accounts.
- */
-export function usePolicies(
-  leaderPubkey: PublicKey | null,
-  options?: {
-    onStatusChange?: (policy: PolicyWithKey, prevState: number, newState: number) => void;
-    pollInterval?: number;
-  },
-) {
-  const { program, connection } = useProgram();
-  const [policies, setPolicies] = useState<PolicyWithKey[]>([]);
-  const [claims, setClaims] = useState<ClaimWithKey[]>([]);
-  const [loading, setLoading] = useState(false);
-  const [error, setError] = useState<string | null>(null);
-
-  const prevStateRef = useRef<Map<string, number>>(new Map());
-  // [FIX] 기존: onStatusChange가 useCallback deps에 포함 → t() 등 불안정 참조로 무한 refetch 루프
-  // 수정: ref로 분리하여 fetchPolicies deps에서 제거
-  const onStatusChangeRef = useRef(options?.onStatusChange);
-  onStatusChangeRef.current = options?.onStatusChange;
-  const pollInterval = options?.pollInterval ?? 300_000;
-
-  const fetchPolicies = useCallback(async () => {
-    if (!program || !leaderPubkey || !connection) {
-      setPolicies([]);
-      setClaims([]);
-      return;
-    }
-
-    setLoading(true);
-    setError(null);
-    try {
-      // eslint-disable-next-line @typescript-eslint/no-explicit-any
-      const prog = program as any;
-
-      // Fetch Policy accounts filtered by leader (offset 16)
-      const accounts = await prog.account.policy.all([
-        {
-          memcmp: {
-            offset: 16, // discriminator(8) + policy_id(u64=8)
-            bytes: leaderPubkey.toBase58(),
-          },
-        },
-      ]);
-
-      const mapped: PolicyWithKey[] = accounts.map(
-        (a: { publicKey: PublicKey; account: PolicyAccount }) => ({
-          publicKey: a.publicKey,
-          account: a.account,
-        }),
-      );
-
-      // Sort by policyId ascending
-      mapped.sort((a, b) => {
-        const aId = a.account.policyId.toNumber();
-        const bId = b.account.policyId.toNumber();
-        return aId - bId;
-      });
-
-      // Status change detection
-      const prevMap = prevStateRef.current;
-      const cb = onStatusChangeRef.current;
-      if (prevMap.size > 0 && cb) {
-        for (const p of mapped) {
-          const key = p.publicKey.toBase58();
-          const prev = prevMap.get(key);
-          if (prev !== undefined && prev !== p.account.state) {
-            cb(p, prev, p.account.state);
-          }
-        }
-      }
-      prevStateRef.current = new Map(
-        mapped.map(p => [p.publicKey.toBase58(), p.account.state]),
-      );
-
-      setPolicies(mapped);
-
-      // Fetch Claim accounts filtered per policy (memcmp on policy field, offset 8)
-      // ClaimAccount layout: discriminator(8) | policy(Pubkey=32) | ...
-      if (mapped.length > 0) {
-        const claimResults = await Promise.all(
-          mapped.map(p =>
-            prog.account.claim.all([
-              { memcmp: { offset: 8, bytes: p.publicKey.toBase58() } },
-            ]) as Promise<{ publicKey: PublicKey; account: ClaimAccount }[]>,
-          ),
-        );
-        const allClaims: ClaimWithKey[] = claimResults.flat().map(a => ({
-          publicKey: a.publicKey,
-          account: a.account,
-        }));
-        setClaims(allClaims);
-      } else {
-        setClaims([]);
-      }
-    } catch (err: unknown) {
-      const message = err instanceof Error ? err.message : String(err);
-      setError(message);
-    } finally {
-      setLoading(false);
-    }
-  }, [program, leaderPubkey, connection]);
-
-  // Initial fetch
-  useEffect(() => {
-    fetchPolicies();
-  }, [fetchPolicies]);
-
-  // WebSocket subscriptions for real-time updates
-  const policyKeys = useMemo(
-    () => policies.map(p => p.publicKey.toBase58()).join(','),
-    [policies],
-  );
-
-  useEffect(() => {
-    if (!connection || !program || policies.length === 0) return;
-
-    // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    const coder = (program as any).coder.accounts;
-    const subscriptionIds = policies.map(p =>
-      connection.onAccountChange(
-        p.publicKey,
-        (accountInfo) => {
-          try {
-            const decoded = coder.decode('policy', accountInfo.data) as PolicyAccount;
-            const key = p.publicKey;
-            setPolicies(prev => prev.map(item =>
-              item.publicKey.equals(key) ? { publicKey: key, account: decoded } : item,
-            ));
-            // Status change detection
-            const prevState = prevStateRef.current.get(key.toBase58());
-            const cb = onStatusChangeRef.current;
-            if (prevState !== undefined && prevState !== decoded.state && cb) {
-              cb({ publicKey: key, account: decoded }, prevState, decoded.state);
-            }
-            prevStateRef.current.set(key.toBase58(), decoded.state);
-          } catch {
-            // [FIX] 기존: decode 실패 → fetchPolicies() 전체 재호출 → 무한 refetch 연쇄
-            // 수정: 무시하고 polling이 자연 보정
-          }
-        },
-        'confirmed',
-      ),
-    );
-
-    return () => {
-      subscriptionIds.forEach(id => connection.removeAccountChangeListener(id));
-    };
-  // eslint-disable-next-line react-hooks/exhaustive-deps
-  }, [connection, program, policyKeys]);
-
-  // Polling for new Policy accounts
-  useEffect(() => {
-    if (!leaderPubkey || pollInterval <= 0) return;
-    const interval = setInterval(() => { fetchPolicies(); }, pollInterval);
-    return () => clearInterval(interval);
-  }, [fetchPolicies, leaderPubkey, pollInterval]);
-
-  return { policies, claims, loading, error, refetch: fetchPolicies };
-}
diff --git a/frontend/src/i18n/locales/en.ts b/frontend/src/i18n/locales/en.ts
index 7f49efa..739f3c9 100644
--- a/frontend/src/i18n/locales/en.ts
+++ b/frontend/src/i18n/locales/en.ts
@@ -1,7 +1,8 @@
 const en = {
   // === Common ===
   'common.active': 'Active',
-  'common.claimed': 'Claimed',
+  'common.claimed': 'Claimable',
+  'common.paid': 'Paid',
   'common.noClaim': 'No Claim',
   'common.expired': 'Expired',
   'common.settled': 'Settled',
@@ -169,9 +170,6 @@ const en = {
 
   // === Tab3: Oracle & Claims ===
   'oracle.title': 'Oracle Console',
-  'oracle.tabManual': 'Manual',
-  'oracle.tabTrackA': 'Track A',
-  'oracle.tabTrackB': 'Track B',
   'oracle.targetContract': 'Target Contract',
   'oracle.selectContract': '-- Select Contract --',
   'oracle.delayLabel': 'Actual Delay (min) — ≥0, multiple of 10',
@@ -192,76 +190,8 @@ const en = {
   'oracle.resolvedOnChain': 'Resolved on-chain. TX: {{tx}}...',
   'oracle.resolvedSuccess': 'Flight delay resolved on-chain!',
   'oracle.sendingTx': 'Sending TX...',
-  'oracle.daemonBadge': 'Recent Resolve Activity',
-  'oracle.trackAMonitorHintPlain': 'Check the FlightPolicy Status Monitor on the right.',
-  'oracle.trackASimTitle': 'Track A Daemon',
-  'oracle.trackASimDesc': 'In on-chain mode, the Rust daemon automatically handles oracle checks → claim creation → settlement.\n\nIn simulation mode, use the Manual tab.',
-  'oracle.trackBTitle': 'Track B',
-  'oracle.trackBDesc': 'Track B oracle integration coming soon.',
-  'oracle.trackBMonitor': 'Track B Policy Status Monitor',
-  'oracle.trackBApproveBtn': 'Approve Claim',
-  'oracle.trackBSettleBtn': 'Settle Payout',
-  'oracle.trackBDaemonBadge': 'Track B Daemon Activity',
-  'oracle.trackBManualTrigger': 'Manual Oracle Trigger (Daemon Fallback)',
-  'oracle.trackBOracleRound': 'Oracle Round',
-  'oracle.trackBManualHint': 'Will be activated after Switchboard SDK integration.',
-  'oracle.trackBNoPolicies': 'No Track B policies registered',
-  'oracle.trackBApproved': 'Claim approved',
-  'oracle.trackBSettled': 'Payout settled',
-  'oracle.trackBCreatePolicy': 'Create Policy',
-  'oracle.trackBPolicyId': 'Policy ID',
-  'oracle.trackBRoute': 'Route (e.g. ICN-NRT)',
-  'oracle.trackBFlightNo': 'Flight No (e.g. KE001)',
-  'oracle.trackBDepartureDate': 'Departure Date',
-  'oracle.trackBPayoutAmount': 'Payout Amount (token units)',
-  'oracle.trackBOracleFeed': 'Oracle Feed Address',
-  'oracle.trackBActiveFrom': 'Coverage Start',
-  'oracle.trackBActiveTo': 'Coverage End',
-  'oracle.trackBCurrencyMint': 'Currency Mint Address',
-  'oracle.trackBReinsurer': 'Reinsurer',
-  'oracle.trackBReinsurerAddr': 'Reinsurer Address',
-  'oracle.trackBCededBps': 'Ceded Ratio (bps)',
-  'oracle.trackBReinsBps': 'Reins Commission (bps)',
-  'oracle.trackBParticipants': 'Participants',
-  'oracle.trackBInsurer': 'Participant Address',
-  'oracle.trackBRatioBps': 'Share (bps)',
-  'oracle.trackBAddParticipant': 'Add Participant',
-  'oracle.trackBRemoveParticipant': 'Remove',
-  'oracle.trackBRatioSum': 'Share Total: {{sum}} / 10000 bps',
-  'oracle.trackBCreateBtn': 'Create Policy',
-  'oracle.trackBCreated': 'Policy created',
-  'oracle.trackBOpenUW': 'Open Underwriting',
-  'oracle.trackBOpenUWDone': 'Underwriting opened',
-  'oracle.trackBAcceptShare': 'Accept Share',
-  'oracle.trackBRejectShare': 'Reject Share',
-  'oracle.trackBAcceptDone': 'Share accepted',
-  'oracle.trackBRejectDone': 'Share rejected',
-  'oracle.trackBActivate': 'Activate Policy',
-  'oracle.trackBActivateDone': 'Policy activated',
-  'oracle.trackBExpire': 'Expire Policy',
-  'oracle.trackBExpireDone': 'Policy expired',
-  'oracle.trackBRefund': 'Request Refund',
-  'oracle.trackBRefundDone': 'Refund completed',
-  'oracle.trackBRegisterPH': 'Register Policyholder',
-  'oracle.trackBRegisterPHDone': 'Policyholder registered',
-  'oracle.trackBExternalRef': 'External Reference',
-  'oracle.trackBPassengerCount': 'Passenger Count',
-  'oracle.trackBPremiumPaid': 'Premium Paid',
-  'oracle.trackBCoverageAmount': 'Coverage Amount',
-  'oracle.trackBCheckOracle': 'Check Oracle',
-  'oracle.trackBCheckOracleBtn': 'Check Oracle (Switchboard)',
-  'oracle.trackBCheckOracleDone': 'Oracle checked — claim created',
-  'oracle.trackBOracleSuccess': 'Oracle check succeeded — claim created',
-  'oracle.trackBOracleFail': 'Oracle check failed: {{error}}',
-  'oracle.trackBSwitchboardWarning': 'Switchboard SDK required. Using daemon is recommended.',
-  'oracle.trackBUWStatus': 'Underwriting Status',
-  'oracle.trackBParticipantList': 'Participant Status',
-  'oracle.trackBDepositAmount': 'Deposit Amount (token units)',
-  'portal.trackBPolicy': 'Track B Policy',
-  'portal.trackBState': 'State',
-  'oracle.daemonLastActive': 'Last active: {{minutes}}m ago',
-  'oracle.daemonInactive': 'Daemon possibly inactive (30min+ no response)',
-  'oracle.daemonNoData': 'No daemon activity recorded',
+  'oracle.tagManual': 'Manual',
+  'oracle.manualNote': 'Manual override console. Backend daemon is auto-processing oracle → claims → settlement.',
   'oracle.policyMonitor': 'FlightPolicy Status Monitor',
   'oracle.th.flight': 'Flight',
   'oracle.th.contract': 'Contract',
@@ -309,7 +239,7 @@ const en = {
   'claim.th.status': 'Status',
   'claim.th.time': 'Time',
   'claim.status.claimable': 'Claimable',
-  'claim.status.settled': 'Settled',
+  'claim.status.settled': 'Paid',
   'claim.status.approved': 'Approved',
   'claim.status.pending': 'Pending',
 
diff --git a/frontend/src/i18n/locales/ko.ts b/frontend/src/i18n/locales/ko.ts
index 1338e82..6e273d4 100644
--- a/frontend/src/i18n/locales/ko.ts
+++ b/frontend/src/i18n/locales/ko.ts
@@ -1,7 +1,8 @@
 const ko = {
   // === Common ===
   'common.active': 'Active',
-  'common.claimed': 'Claimed',
+  'common.claimed': 'Claimable',
+  'common.paid': 'Paid',
   'common.noClaim': 'No Claim',
   'common.expired': 'Expired',
   'common.settled': 'Settled',
@@ -169,9 +170,6 @@ const ko = {
 
   // === Tab3: Oracle & Claims ===
   'oracle.title': '오라클 콘솔',
-  'oracle.tabManual': '수동',
-  'oracle.tabTrackA': 'Track A',
-  'oracle.tabTrackB': 'Track B',
   'oracle.targetContract': '대상 계약',
   'oracle.selectContract': '-- 계약 선택 --',
   'oracle.delayLabel': '실제 지연 (분) — 0 이상, 10의 배수',
@@ -192,77 +190,8 @@ const ko = {
   'oracle.resolvedOnChain': '온체인 처리 완료. TX: {{tx}}...',
   'oracle.resolvedSuccess': '항공편 지연 온체인 처리 완료!',
   'oracle.sendingTx': 'TX 전송 중...',
-  'oracle.daemonBadge': '최근 처리 활동',
-  'oracle.trackAMonitorHint': '정책 상태는 우측 <strong>FlightPolicy 상태 모니터</strong>를 확인하세요.',
-  'oracle.trackAMonitorHintPlain': '정책 상태는 우측 FlightPolicy 상태 모니터를 확인하세요.',
-  'oracle.trackASimTitle': 'Track A 데몬',
-  'oracle.trackASimDesc': '온체인 모드에서 Rust 데몬이 자동으로 오라클 확인 → 클레임 생성 → 정산을 처리합니다.\n\n현재 시뮬레이션 모드에서는 수동 탭을 이용하세요.',
-  'oracle.trackBTitle': 'Track B',
-  'oracle.trackBDesc': 'Track B 오라클 통합이 곧 추가될 예정입니다.',
-  'oracle.trackBMonitor': 'Track B Policy 상태 모니터',
-  'oracle.trackBApproveBtn': '클레임 승인',
-  'oracle.trackBSettleBtn': '보험금 정산',
-  'oracle.trackBDaemonBadge': 'Track B 데몬 활동',
-  'oracle.trackBManualTrigger': '수동 오라클 트리거 (데몬 폴백)',
-  'oracle.trackBOracleRound': '오라클 라운드',
-  'oracle.trackBManualHint': 'Switchboard SDK 통합 후 활성화됩니다.',
-  'oracle.trackBNoPolicies': '등록된 Track B Policy가 없습니다',
-  'oracle.trackBApproved': '클레임 승인 완료',
-  'oracle.trackBSettled': '보험금 정산 완료',
-  'oracle.trackBCreatePolicy': 'Policy 생성',
-  'oracle.trackBPolicyId': 'Policy ID',
-  'oracle.trackBRoute': '노선 (ex. ICN-NRT)',
-  'oracle.trackBFlightNo': '편명 (ex. KE001)',
-  'oracle.trackBDepartureDate': '출발일',
-  'oracle.trackBPayoutAmount': '보장금액 (토큰 단위)',
-  'oracle.trackBOracleFeed': '오라클 피드 주소',
-  'oracle.trackBActiveFrom': '보장 시작',
-  'oracle.trackBActiveTo': '보장 종료',
-  'oracle.trackBCurrencyMint': '통화 Mint 주소',
-  'oracle.trackBReinsurer': '재보험사',
-  'oracle.trackBReinsurerAddr': '재보험사 주소',
-  'oracle.trackBCededBps': '출재 비율 (bps)',
-  'oracle.trackBReinsBps': '재보험 수수료 (bps)',
-  'oracle.trackBParticipants': '참여자 목록',
-  'oracle.trackBInsurer': '참여자 주소',
-  'oracle.trackBRatioBps': '지분 (bps)',
-  'oracle.trackBAddParticipant': '참여자 추가',
-  'oracle.trackBRemoveParticipant': '삭제',
-  'oracle.trackBRatioSum': '지분 합계: {{sum}} / 10000 bps',
-  'oracle.trackBCreateBtn': 'Policy 생성',
-  'oracle.trackBCreated': 'Policy 생성 완료',
-  'oracle.trackBOpenUW': '언더라이팅 오픈',
-  'oracle.trackBOpenUWDone': '언더라이팅 오픈 완료',
-  'oracle.trackBAcceptShare': '지분 수락',
-  'oracle.trackBRejectShare': '지분 거절',
-  'oracle.trackBAcceptDone': '지분 수락 완료',
-  'oracle.trackBRejectDone': '지분 거절 완료',
-  'oracle.trackBActivate': '정책 활성화',
-  'oracle.trackBActivateDone': '정책 활성화 완료',
-  'oracle.trackBExpire': '만기 처리',
-  'oracle.trackBExpireDone': '만기 처리 완료',
-  'oracle.trackBRefund': '환급 요청',
-  'oracle.trackBRefundDone': '환급 완료',
-  'oracle.trackBRegisterPH': '보험가입자 등록',
-  'oracle.trackBRegisterPHDone': '보험가입자 등록 완료',
-  'oracle.trackBExternalRef': '외부 참조',
-  'oracle.trackBPassengerCount': '탑승자 수',
-  'oracle.trackBPremiumPaid': '납입 프리미엄',
-  'oracle.trackBCoverageAmount': '보장 금액',
-  'oracle.trackBCheckOracle': '오라클 확인',
-  'oracle.trackBCheckOracleBtn': '오라클 확인 (Switchboard)',
-  'oracle.trackBCheckOracleDone': '오라클 확인 완료 — 클레임 생성됨',
-  'oracle.trackBOracleSuccess': '오라클 확인 성공 — 클레임이 생성되었습니다',
-  'oracle.trackBOracleFail': '오라클 확인 실패: {{error}}',
-  'oracle.trackBSwitchboardWarning': 'Switchboard SDK가 필요합니다. 데몬 사용을 권장합니다.',
-  'oracle.trackBUWStatus': '언더라이팅 상태',
-  'oracle.trackBParticipantList': '참여자 현황',
-  'oracle.trackBDepositAmount': '예치 금액 (토큰 단위)',
-  'portal.trackBPolicy': 'Track B Policy',
-  'portal.trackBState': '상태',
-  'oracle.daemonLastActive': '마지막 활동: {{minutes}}분 전',
-  'oracle.daemonInactive': '데몬 비활성 의심 (30분+ 무응답)',
-  'oracle.daemonNoData': '데몬 활동 기록 없음',
+  'oracle.tagManual': '수동',
+  'oracle.manualNote': '수동 처리 콘솔입니다. 백엔드 데몬이 오라클 확인 → 클레임 → 정산을 자동으로 처리 중입니다.',
   'oracle.policyMonitor': 'FlightPolicy 상태 모니터',
   'oracle.th.flight': '편명',
   'oracle.th.contract': '계약명',
@@ -310,7 +239,7 @@ const ko = {
   'claim.th.status': '상태',
   'claim.th.time': '시각',
   'claim.status.claimable': 'Claimable',
-  'claim.status.settled': 'Settled',
+  'claim.status.settled': 'Paid',
   'claim.status.approved': 'Approved',
   'claim.status.pending': 'Pending',
 
diff --git a/frontend/src/store/useProtocolStore.ts b/frontend/src/store/useProtocolStore.ts
index 80b7a2a..3086555 100644
--- a/frontend/src/store/useProtocolStore.ts
+++ b/frontend/src/store/useProtocolStore.ts
@@ -1,7 +1,6 @@
 import { create } from 'zustand';
 import { persist } from 'zustand/middleware';
-import { MasterPolicyStatus, FlightPolicyStatus, type MasterPolicyAccount, type PolicyAccount, type ClaimAccount } from '@/lib/idl/open_parametric';
-import type { PublicKey } from '@solana/web3.js';
+import { MasterPolicyStatus, FlightPolicyStatus, type MasterPolicyAccount } from '@/lib/idl/open_parametric';
 import type { FlightPolicyWithKey } from '@/hooks/useFlightPolicies';
 import i18n from '@/i18n';
 
@@ -23,7 +22,7 @@ export interface Contract {
   aNet: number;
   bNet: number;
   rNet: number;
-  status: 'active' | 'claimed' | 'noClaim' | 'expired' | 'settled';
+  status: 'active' | 'claimed' | 'paid' | 'noClaim' | 'expired' | 'settled';
   ts: string;
 }
 
@@ -164,18 +163,6 @@ const nowDate = () =>
     hour: '2-digit', minute: '2-digit', second: '2-digit', hour12: false,
   });
 
-/* ── Track B Types ── */
-
-export interface PolicyWithKey {
-  publicKey: PublicKey;
-  account: PolicyAccount;
-}
-
-export interface ClaimWithKey {
-  publicKey: PublicKey;
-  account: ClaimAccount;
-}
-
 /* ── Store ── */
 interface ProtocolState {
   mode: ProtocolMode;
@@ -241,10 +228,6 @@ interface ProtocolState {
   syncMasterFromChain: (data: MasterPolicyAccount) => void;
   syncFlightPoliciesFromChain: (policies: FlightPolicyWithKey[]) => void;
 
-  // Track B on-chain state
-  trackBPolicies: PolicyWithKey[];
-  trackBClaims: ClaimWithKey[];
-  syncTrackBPoliciesFromChain: (policies: PolicyWithKey[], claims: ClaimWithKey[]) => void;
 }
 
 const INITIAL_ACC: Acc = { leaderPrem: 0, partAPrem: 0, partBPrem: 0, reinPrem: 0, leaderClaim: 0, partAClaim: 0, partBClaim: 0, reinClaim: 0 };
@@ -284,8 +267,6 @@ export const useProtocolStore = create<ProtocolState>()(persist((set, get) => ({
   lastTxSignature: null,
   masterPolicies: [],
   lastDaemonActivityTs: null,
-  trackBPolicies: [],
-  trackBClaims: [],
 
   setMode: (m) => {
     set({ mode: m });
@@ -767,7 +748,7 @@ export const useProtocolStore = create<ProtocolState>()(persist((set, get) => ({
       } else if (a.status === FlightPolicyStatus.Expired) {
         contractStatus = 'expired';
       } else if (a.status === FlightPolicyStatus.Paid) {
-        contractStatus = 'settled';
+        contractStatus = 'paid';
       } else {
         contractStatus = 'claimed'; // Claimable (2) only
       }
@@ -866,9 +847,6 @@ export const useProtocolStore = create<ProtocolState>()(persist((set, get) => ({
     });
   },
 
-  syncTrackBPoliciesFromChain: (policies, claims) => {
-    set({ trackBPolicies: policies, trackBClaims: claims });
-  },
 }), {
   name: 'riskmesh-protocol',
   partialize: (state) => {

From e89c071adc8e468bc2c0e956bc25f96acff09b50 Mon Sep 17 00:00:00 2001
From: MYONG JAEWI <78201530+Jaymyong66@users.noreply.github.com>
Date: Thu, 2 Apr 2026 23:20:26 +0900
Subject: [PATCH 5/8] fix: frontend > css error resolve

---
 frontend/src/components/tabs/tab-contract/StateMachine.tsx | 6 +++---
 1 file changed, 3 insertions(+), 3 deletions(-)

diff --git a/frontend/src/components/tabs/tab-contract/StateMachine.tsx b/frontend/src/components/tabs/tab-contract/StateMachine.tsx
index d7bb55d..85b4768 100644
--- a/frontend/src/components/tabs/tab-contract/StateMachine.tsx
+++ b/frontend/src/components/tabs/tab-contract/StateMachine.tsx
@@ -1,5 +1,5 @@
 import styled from '@emotion/styled';
-import { keyframes } from '@emotion/react';
+import { keyframes, css } from '@emotion/react';
 import { Card, CardHeader, CardTitle } from '@/components/common';
 import { useProtocolStore, POLICY_STATES, POLICY_STATE_ICONS } from '@/store/useProtocolStore';
 
@@ -45,8 +45,8 @@ const StateCircle = styled.div<{ state?: CircleState }>`
   transition: all 0.5s;
 
   ${p => p.state === 'done' && `border-color:var(--success);background:rgba(34,197,94,.1);color:var(--success);box-shadow:0 0 10px rgba(34,197,94,.3);`}
-  ${p => p.state === 'cur' && `border-color:var(--primary);background:rgba(153,69,255,.15);color:var(--primary);box-shadow:0 0 16px rgba(153,69,255,.22);animation:${pulsePrimary} 2s infinite;`}
-  ${p => p.state === 'claimable' && `border-color:var(--warning);background:rgba(245,158,11,.15);color:var(--warning);animation:${pulseWarning} 1.5s infinite;`}
+  ${p => p.state === 'cur' && css`border-color:var(--primary);background:rgba(153,69,255,.15);color:var(--primary);box-shadow:0 0 16px rgba(153,69,255,.22);animation:${pulsePrimary} 2s infinite;`}
+  ${p => p.state === 'claimable' && css`border-color:var(--warning);background:rgba(245,158,11,.15);color:var(--warning);animation:${pulseWarning} 1.5s infinite;`}
   ${p => p.state === 'settled' && `border-color:var(--accent);background:rgba(20,241,149,.1);color:var(--accent);box-shadow:0 0 14px rgba(20,241,149,.22);`}
 `;
 

From 52ebf86c3baadbfdc1c7f5ab1c093a95a8b192d3 Mon Sep 17 00:00:00 2001
From: MYONG JAEWI <78201530+Jaymyong66@users.noreply.github.com>
Date: Fri, 3 Apr 2026 00:38:18 +0900
Subject: [PATCH 6/8] =?UTF-8?q?feature:=20=EB=A0=88=EA=B1=B0=EC=8B=9C=20AP?=
 =?UTF-8?q?I(web.rs)=EC=A0=9C=EA=B1=B0=20=EB=B0=8F=20API=20spec=20?=
 =?UTF-8?q?=EB=AC=B8=EC=84=9C=20=EC=B6=94=EA=B0=80?=
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

---
 backend/src/cache.rs      | 120 ---------
 backend/src/web.rs        | 228 -----------------
 docs/API_SPECIFICATION.md | 506 ++++++++++++++++++++++++++++++++++++++
 3 files changed, 506 insertions(+), 348 deletions(-)
 delete mode 100644 backend/src/cache.rs
 delete mode 100644 backend/src/web.rs
 create mode 100644 docs/API_SPECIFICATION.md

diff --git a/backend/src/cache.rs b/backend/src/cache.rs
deleted file mode 100644
index 799f933..0000000
--- a/backend/src/cache.rs
+++ /dev/null
@@ -1,120 +0,0 @@
-use std::{collections::HashMap, sync::Arc};
-
-use anyhow::Result;
-use tokio::{
-    sync::{broadcast, RwLock},
-    time::{sleep, Duration},
-};
-
-use crate::{
-    config::Config,
-    oracle::program_accounts::{scan_flight_policies, scan_master_policies},
-    solana::client::SolanaClient,
-};
-
-/// 단일 SSE 메시지 (event 타입 + JSON data)
-#[derive(Clone, Debug)]
-pub struct SseMessage {
-    pub event: String,
-    pub data: String,
-}
-
-/// 앱 전체에서 공유하는 캐시 + 브로드캐스트 채널
-pub struct CacheState {
-    pub master_policies: RwLock<Vec<crate::oracle::program_accounts::MasterPolicyInfo>>,
-    pub flight_policies: RwLock<Vec<crate::oracle::program_accounts::FlightPolicyInfo>>,
-    pub event_tx: broadcast::Sender<SseMessage>,
-}
-
-impl CacheState {
-    pub fn new() -> Self {
-        let (event_tx, _) = broadcast::channel(256);
-        Self {
-            master_policies: RwLock::new(Vec::new()),
-            flight_policies: RwLock::new(Vec::new()),
-            event_tx,
-        }
-    }
-}
-
-/// 백그라운드 캐시 갱신 루프.
-/// CACHE_POLL_INTERVAL_SEC (기본 5초)마다 Solana RPC 스캔 후
-/// 상태 변경 감지 시 SSE 브로드캐스트.
-pub async fn start(config: Arc<Config>, cache: Arc<CacheState>) -> Result<()> {
-    let poll_secs: u64 = std::env::var("CACHE_POLL_INTERVAL_SEC")
-        .ok()
-        .and_then(|v| v.parse().ok())
-        .unwrap_or(5);
-    let heartbeat_secs: u64 = std::env::var("SSE_HEARTBEAT_INTERVAL_SEC")
-        .ok()
-        .and_then(|v| v.parse().ok())
-        .unwrap_or(30);
-
-    let mut last_heartbeat = std::time::Instant::now();
-
-    loop {
-        let client = SolanaClient::new(&config.rpc_url);
-
-        // ── MasterPolicy 스캔 ──────────────────────────────────────────
-        match scan_master_policies(&client, &config.program_id) {
-            Ok(new_masters) => {
-                let mut guard = cache.master_policies.write().await;
-                // 이전 상태 맵: pubkey → status
-                let prev: HashMap<String, u8> =
-                    guard.iter().map(|m| (m.pubkey.clone(), m.status)).collect();
-
-                for m in &new_masters {
-                    let changed = prev.get(&m.pubkey).map(|&s| s != m.status).unwrap_or(true);
-                    if changed {
-                        if let Ok(data) = serde_json::to_string(m) {
-                            let _ = cache.event_tx.send(SseMessage {
-                                event: "master_policy_updated".to_string(),
-                                data,
-                            });
-                        }
-                    }
-                }
-                *guard = new_masters;
-            }
-            Err(e) => tracing::warn!("[cache] MasterPolicy 스캔 실패: {e}"),
-        }
-
-        // ── FlightPolicy 스캔 ─────────────────────────────────────────
-        match scan_flight_policies(&client, &config.program_id) {
-            Ok(new_flights) => {
-                let mut guard = cache.flight_policies.write().await;
-                let prev: HashMap<String, u8> =
-                    guard.iter().map(|f| (f.pubkey.clone(), f.status)).collect();
-
-                for f in &new_flights {
-                    let changed = prev.get(&f.pubkey).map(|&s| s != f.status).unwrap_or(true);
-                    if changed {
-                        if let Ok(data) = serde_json::to_string(f) {
-                            let _ = cache.event_tx.send(SseMessage {
-                                event: "flight_policy_updated".to_string(),
-                                data,
-                            });
-                        }
-                    }
-                }
-                *guard = new_flights;
-            }
-            Err(e) => tracing::warn!("[cache] FlightPolicy 스캔 실패: {e}"),
-        }
-
-        // ── Heartbeat ─────────────────────────────────────────────────
-        if last_heartbeat.elapsed().as_secs() >= heartbeat_secs {
-            let ts = std::time::SystemTime::now()
-                .duration_since(std::time::UNIX_EPOCH)
-                .unwrap_or_default()
-                .as_secs();
-            let _ = cache.event_tx.send(SseMessage {
-                event: "heartbeat".to_string(),
-                data: format!(r#"{{"ts":{ts}}}"#),
-            });
-            last_heartbeat = std::time::Instant::now();
-        }
-
-        sleep(Duration::from_secs(poll_secs)).await;
-    }
-}
diff --git a/backend/src/web.rs b/backend/src/web.rs
deleted file mode 100644
index 13ee0d2..0000000
--- a/backend/src/web.rs
+++ /dev/null
@@ -1,228 +0,0 @@
-use std::{net::SocketAddr, sync::Arc};
-
-use anyhow::{Context, Result};
-use axum::{
-    extract::{Path, Query, State},
-    http::{Method, StatusCode},
-    response::{
-        sse::{Event, KeepAlive, Sse},
-        IntoResponse, Response,
-    },
-    routing::get,
-    Json, Router,
-};
-use futures_util::StreamExt;
-use serde::{Deserialize, Serialize};
-use tokio_stream::wrappers::BroadcastStream;
-use tower_http::cors::{Any, CorsLayer};
-
-use crate::{
-    cache::CacheState,
-    config::Config,
-};
-
-#[derive(Clone)]
-pub struct AppState {
-    pub config: Arc<Config>,
-    pub cache: Arc<CacheState>,
-}
-
-// ── Response types ──────────────────────────────────────────────────────────
-
-#[derive(Serialize)]
-struct HealthResponse {
-    status: &'static str,
-    service: &'static str,
-    rpc_url: String,
-    leader_pubkey: String,
-}
-
-#[derive(Serialize)]
-struct MasterPoliciesResponse {
-    program_id: String,
-    count: usize,
-    master_policies: Vec<crate::oracle::program_accounts::MasterPolicyInfo>,
-}
-
-#[derive(Serialize)]
-struct FlightPoliciesResponse {
-    program_id: String,
-    count: usize,
-    flight_policies: Vec<crate::oracle::program_accounts::FlightPolicyInfo>,
-}
-
-// ── Query params ────────────────────────────────────────────────────────────
-
-#[derive(Deserialize, Default)]
-struct MasterPoliciesQuery {
-    leader: Option<String>,
-}
-
-#[derive(Deserialize, Default)]
-struct FlightPoliciesQuery {
-    master: Option<String>,
-    status: Option<u8>,
-}
-
-#[derive(Deserialize, Default)]
-struct EventsQuery {
-    master: Option<String>,
-}
-
-// ── Error type ──────────────────────────────────────────────────────────────
-
-struct ApiError(anyhow::Error);
-
-impl IntoResponse for ApiError {
-    fn into_response(self) -> Response {
-        (
-            StatusCode::INTERNAL_SERVER_ERROR,
-            Json(serde_json::json!({ "error": self.0.to_string() })),
-        )
-            .into_response()
-    }
-}
-
-// ── Server entry point ──────────────────────────────────────────────────────
-
-pub async fn start(config: Arc<Config>, cache: Arc<CacheState>) -> Result<()> {
-    let addr: SocketAddr = config
-        .web_bind_addr
-        .parse()
-        .with_context(|| format!("WEB_BIND_ADDR 파싱 실패: {}", config.web_bind_addr))?;
-
-    let state = AppState { config, cache };
-
-    let cors = CorsLayer::new()
-        .allow_origin(Any)
-        .allow_methods([Method::GET])
-        .allow_headers(Any);
-
-    let app = Router::new()
-        .route("/health", get(health))
-        .route("/api/master-policies", get(master_policies))
-        .route("/api/master-policies/:pubkey", get(master_policy_by_pubkey))
-        .route("/api/flight-policies", get(flight_policies))
-        .route("/api/flight-policies/:pubkey", get(flight_policy_by_pubkey))
-        .route("/api/events", get(events))
-        .layer(cors)
-        .with_state(state);
-
-    tracing::info!("[web] listening on http://{addr}");
-
-    let listener = tokio::net::TcpListener::bind(addr).await?;
-    axum::serve(listener, app).await?;
-
-    Ok(())
-}
-
-// ── Handlers ────────────────────────────────────────────────────────────────
-
-async fn health(State(state): State<AppState>) -> Json<HealthResponse> {
-    Json(HealthResponse {
-        status: "ok",
-        service: "riskmesh-backend",
-        rpc_url: state.config.rpc_url.clone(),
-        leader_pubkey: state.config.leader_pubkey.to_string(),
-    })
-}
-
-async fn master_policies(
-    State(state): State<AppState>,
-    Query(params): Query<MasterPoliciesQuery>,
-) -> Json<MasterPoliciesResponse> {
-    let all = state.cache.master_policies.read().await;
-    let filtered: Vec<_> = all
-        .iter()
-        .filter(|m| {
-            params.leader.as_deref().map(|l| m.leader == l).unwrap_or(true)
-        })
-        .cloned()
-        .collect();
-    let count = filtered.len();
-    Json(MasterPoliciesResponse {
-        program_id: state.config.program_id.to_string(),
-        count,
-        master_policies: filtered,
-    })
-}
-
-async fn master_policy_by_pubkey(
-    State(state): State<AppState>,
-    Path(pubkey): Path<String>,
-) -> Result<Json<crate::oracle::program_accounts::MasterPolicyInfo>, (StatusCode, Json<serde_json::Value>)> {
-    let all = state.cache.master_policies.read().await;
-    match all.iter().find(|m| m.pubkey == pubkey) {
-        Some(m) => Ok(Json(m.clone())),
-        None => Err((
-            StatusCode::NOT_FOUND,
-            Json(serde_json::json!({ "error": "account not found" })),
-        )),
-    }
-}
-
-async fn flight_policies(
-    State(state): State<AppState>,
-    Query(params): Query<FlightPoliciesQuery>,
-) -> Json<FlightPoliciesResponse> {
-    let all = state.cache.flight_policies.read().await;
-    let filtered: Vec<_> = all
-        .iter()
-        .filter(|f| {
-            let master_ok = params.master.as_deref().map(|m| f.master == m).unwrap_or(true);
-            let status_ok = params.status.map(|s| f.status == s).unwrap_or(true);
-            master_ok && status_ok
-        })
-        .cloned()
-        .collect();
-    let count = filtered.len();
-    Json(FlightPoliciesResponse {
-        program_id: state.config.program_id.to_string(),
-        count,
-        flight_policies: filtered,
-    })
-}
-
-async fn flight_policy_by_pubkey(
-    State(state): State<AppState>,
-    Path(pubkey): Path<String>,
-) -> Result<Json<crate::oracle::program_accounts::FlightPolicyInfo>, (StatusCode, Json<serde_json::Value>)> {
-    let all = state.cache.flight_policies.read().await;
-    match all.iter().find(|f| f.pubkey == pubkey) {
-        Some(f) => Ok(Json(f.clone())),
-        None => Err((
-            StatusCode::NOT_FOUND,
-            Json(serde_json::json!({ "error": "account not found" })),
-        )),
-    }
-}
-
-async fn events(
-    State(state): State<AppState>,
-    Query(params): Query<EventsQuery>,
-) -> Sse<impl futures_util::Stream<Item = Result<Event, std::convert::Infallible>>> {
-    let rx = state.cache.event_tx.subscribe();
-    let master_filter = params.master.clone();
-
-    let stream = BroadcastStream::new(rx).filter_map(move |msg| {
-        let master_filter = master_filter.clone();
-        let result = match msg {
-            Ok(msg) => {
-                // FlightPolicy 이벤트는 master 필터 적용
-                if msg.event == "flight_policy_updated" {
-                    if let Some(ref filter) = master_filter {
-                        if !msg.data.contains(filter.as_str()) {
-                            return std::future::ready(None);
-                        }
-                    }
-                }
-                let event = Event::default().event(&msg.event).data(&msg.data);
-                Some(Ok(event))
-            }
-            Err(_) => None, // 채널 lagged — 스킵
-        };
-        std::future::ready(result)
-    });
-
-    Sse::new(stream).keep_alive(KeepAlive::default())
-}
diff --git a/docs/API_SPECIFICATION.md b/docs/API_SPECIFICATION.md
new file mode 100644
index 0000000..72ceebd
--- /dev/null
+++ b/docs/API_SPECIFICATION.md
@@ -0,0 +1,506 @@
+# RiskMesh Oracle Backend — API Specification
+
+> Base URL: `http://{WEB_BIND_ADDR}` (기본값: `http://0.0.0.0:3000`)
+>
+> Framework: Axum (Rust)
+>
+> CORS: 모든 Origin / Method / Header 허용
+
+---
+
+## 목차
+
+1. [공통 사항](#공통-사항)
+2. [GET /health](#get-health)
+3. [GET /api/master-policies](#get-apimaster-policies)
+4. [GET /api/master-policies/accounts](#get-apimaster-policiesaccounts)
+5. [GET /api/master-policies/tree](#get-apimaster-policiestree)
+6. [GET /api/master-policies/:master_policy_pubkey](#get-apimaster-policiesmaster_policy_pubkey)
+7. [GET /api/master-policies/:master_policy_pubkey/flight-policies](#get-apimaster-policiesmaster_policy_pubkeyflight-policies)
+8. [POST /api/master-policies/:master_policy_pubkey/flight-policies](#post-apimaster-policiesmaster_policy_pubkeyflight-policies)
+9. [GET /api/flight-policies](#get-apiflight-policies)
+10. [GET /api/flight-policies/:flight_policy_pubkey](#get-apiflight-policiesflight_policy_pubkey)
+11. [GET /api/events](#get-apievents)
+12. [POST /api/firebase/test-document](#post-apifirebasetest-document)
+13. [공통 타입 정의](#공통-타입-정의)
+
+---
+
+## 공통 사항
+
+### Error Response
+
+모든 API에서 에러 발생 시 동일한 JSON 형식으로 응답합니다.
+
+| HTTP Status | 조건 |
+|---|---|
+| `404 Not Found` | 메시지에 "account not found" 포함 시 |
+| `500 Internal Server Error` | 그 외 모든 에러 |
+
+```json
+{
+  "error": "에러 메시지 문자열"
+}
+```
+
+### Status 코드 매핑
+
+**MasterPolicy Status**
+
+| 값 | 라벨 |
+|---|---|
+| `0` | Draft |
+| `1` | PendingConfirm |
+| `2` | Active |
+| `3` | Closed |
+| `4` | Cancelled |
+
+**FlightPolicy Status**
+
+| 값 | 라벨 |
+|---|---|
+| `0` | Issued |
+| `1` | AwaitingOracle |
+| `2` | Claimable |
+| `3` | Paid |
+| `4` | NoClaim |
+| `5` | Expired |
+
+---
+
+## GET /health
+
+서버 상태 확인 (헬스체크).
+
+### Parameters
+
+없음
+
+### Response `200 OK`
+
+```typescript
+{
+  status: "ok",          // string — 항상 "ok"
+  rpc_url: string,       // Solana RPC endpoint URL
+  leader_pubkey: string  // 서버가 사용하는 leader 지갑 공개키 (Base58)
+}
+```
+
+### 예시
+
+```json
+{
+  "status": "ok",
+  "rpc_url": "https://api.devnet.solana.com",
+  "leader_pubkey": "7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU"
+}
+```
+
+---
+
+## GET /api/master-policies
+
+Firebase에 저장된 MasterPolicy 목록을 조회합니다. leader 필터링을 지원합니다.
+
+### Query Parameters
+
+| 이름 | 타입 | 필수 | 설명 |
+|---|---|---|---|
+| `leader` | `string` | No | leader 공개키(Base58)로 필터링. 미지정 시 전체 반환 |
+
+### Response `200 OK`
+
+```typescript
+{
+  master_policies: MasterPolicyInfo[]
+}
+```
+
+### 예시
+
+```
+GET /api/master-policies?leader=7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU
+```
+
+---
+
+## GET /api/master-policies/accounts
+
+Solana 온체인에서 직접 MasterPolicy 계정의 공개키 목록을 조회합니다. Firebase가 아닌 `getProgramAccounts` RPC를 사용합니다.
+
+### Parameters
+
+없음
+
+### Response `200 OK`
+
+```typescript
+{
+  program_id: string,              // 프로그램 ID (Base58)
+  count: number,                   // MasterPolicy 계정 수
+  master_policy_pubkeys: string[]  // MasterPolicy 공개키 목록 (Base58)
+}
+```
+
+### 예시
+
+```json
+{
+  "program_id": "FKLP2...xxxx",
+  "count": 2,
+  "master_policy_pubkeys": [
+    "8dF3q...",
+    "9eG4r..."
+  ]
+}
+```
+
+---
+
+## GET /api/master-policies/tree
+
+전체 MasterPolicy와 하위 FlightPolicy의 트리 구조를 반환합니다. 각 MasterPolicy에 속한 FlightPolicy 공개키 목록이 포함됩니다.
+
+### Parameters
+
+없음
+
+### Response `200 OK`
+
+```typescript
+{
+  program_id: string,                       // 프로그램 ID (Base58)
+  count: number,                            // MasterPolicy 수
+  master_policies: MasterPolicyAccountTree[]
+}
+```
+
+**MasterPolicyAccountTree**
+
+```typescript
+{
+  master_policy_pubkey: string,      // MasterPolicy 공개키 (Base58)
+  flight_policy_pubkeys: string[]    // 하위 FlightPolicy 공개키 목록 (Base58)
+}
+```
+
+### 예시
+
+```json
+{
+  "program_id": "FKLP2...xxxx",
+  "count": 1,
+  "master_policies": [
+    {
+      "master_policy_pubkey": "8dF3q...",
+      "flight_policy_pubkeys": ["Abc12...", "Def34..."]
+    }
+  ]
+}
+```
+
+---
+
+## GET /api/master-policies/:master_policy_pubkey
+
+특정 MasterPolicy의 상세 정보를 Firebase에서 조회합니다.
+
+### Path Parameters
+
+| 이름 | 타입 | 필수 | 설명 |
+|---|---|---|---|
+| `master_policy_pubkey` | `string` | Yes | MasterPolicy 계정의 공개키 (Base58) |
+
+### Response `200 OK`
+
+`MasterPolicyInfo` 객체를 반환합니다. (하단 [공통 타입 정의](#공통-타입-정의) 참조)
+
+### Error
+
+| Status | 조건 |
+|---|---|
+| `404` | 해당 공개키의 MasterPolicy가 존재하지 않을 때 |
+| `500` | 공개키 파싱 실패 등 |
+
+---
+
+## GET /api/master-policies/:master_policy_pubkey/flight-policies
+
+특정 MasterPolicy에 속한 FlightPolicy 목록을 조회합니다.
+
+### Path Parameters
+
+| 이름 | 타입 | 필수 | 설명 |
+|---|---|---|---|
+| `master_policy_pubkey` | `string` | Yes | MasterPolicy 계정의 공개키 (Base58) |
+
+### Response `200 OK`
+
+```typescript
+{
+  program_id: string,              // 프로그램 ID (Base58)
+  master_policy_pubkey: string,    // 조회한 MasterPolicy 공개키
+  count: number,                   // 하위 FlightPolicy 수
+  flight_policies: FlightPolicyInfo[]
+}
+```
+
+### Error
+
+| Status | 조건 |
+|---|---|
+| `404` | 해당 MasterPolicy가 존재하지 않을 때 |
+
+---
+
+## POST /api/master-policies/:master_policy_pubkey/flight-policies
+
+특정 MasterPolicy 하위에 새 FlightPolicy를 생성합니다. 온체인 트랜잭션을 전송합니다.
+
+### Path Parameters
+
+| 이름 | 타입 | 필수 | 설명 |
+|---|---|---|---|
+| `master_policy_pubkey` | `string` | Yes | MasterPolicy 계정의 공개키 (Base58) |
+
+### Request Body (`application/json`)
+
+```typescript
+{
+  subscriber_ref: string,   // 가입자 참조 ID (빈 문자열 불가)
+  flight_no: string,        // 항공편 번호 (예: "KE123") (빈 문자열 불가)
+  route: string,            // 노선 (예: "ICN-NRT") (빈 문자열 불가)
+  departure_ts: number      // 출발 예정 시각 (Unix timestamp, 초 단위, i64)
+}
+```
+
+### Response `200 OK`
+
+```typescript
+{
+  program_id: string,             // 프로그램 ID (Base58)
+  master_policy_pubkey: string,   // 부모 MasterPolicy 공개키
+  child_policy_id: number,        // 자동 부여된 FlightPolicy ID (u64)
+  flight_policy_pubkey: string,   // 생성된 FlightPolicy PDA 공개키 (Base58)
+  tx_signature: string            // Solana 트랜잭션 서명 (Base58)
+}
+```
+
+### Error
+
+| Status | 조건 |
+|---|---|
+| `500` | MasterPolicy가 Active 상태가 아닐 때 |
+| `500` | 서버 키가 leader/operator 권한이 없을 때 |
+| `500` | subscriber_ref, flight_no, route가 비어 있을 때 |
+| `500` | 온체인 트랜잭션 실패 시 |
+
+### 예시
+
+```bash
+curl -X POST http://localhost:3000/api/master-policies/8dF3q.../flight-policies \
+  -H "Content-Type: application/json" \
+  -d '{
+    "subscriber_ref": "user-001",
+    "flight_no": "KE123",
+    "route": "ICN-NRT",
+    "departure_ts": 1717200000
+  }'
+```
+
+---
+
+## GET /api/flight-policies
+
+Firebase에 저장된 FlightPolicy 목록을 조회합니다. MasterPolicy 공개키와 상태로 필터링을 지원합니다.
+
+### Query Parameters
+
+| 이름 | 타입 | 필수 | 설명 |
+|---|---|---|---|
+| `master` | `string` | No | 부모 MasterPolicy 공개키(Base58)로 필터링 |
+| `status` | `number` (u8) | No | FlightPolicy 상태 코드로 필터링 (0~5) |
+
+### Response `200 OK`
+
+```typescript
+{
+  flight_policies: FlightPolicyInfo[]
+}
+```
+
+### 예시
+
+```
+GET /api/flight-policies?master=8dF3q...&status=0
+```
+
+---
+
+## GET /api/flight-policies/:flight_policy_pubkey
+
+특정 FlightPolicy의 상세 정보를 Firebase에서 조회합니다.
+
+### Path Parameters
+
+| 이름 | 타입 | 필수 | 설명 |
+|---|---|---|---|
+| `flight_policy_pubkey` | `string` | Yes | FlightPolicy 계정의 공개키 (Base58) |
+
+### Response `200 OK`
+
+`FlightPolicyInfo` 객체를 반환합니다. (하단 [공통 타입 정의](#공통-타입-정의) 참조)
+
+### Error
+
+| Status | 조건 |
+|---|---|
+| `404` | 해당 공개키의 FlightPolicy가 존재하지 않을 때 |
+
+---
+
+## GET /api/events
+
+SSE (Server-Sent Events) 스트림을 반환합니다. 온체인 계정 상태 변경을 실시간으로 수신할 수 있습니다.
+
+### Query Parameters
+
+| 이름 | 타입 | 필수 | 설명 |
+|---|---|---|---|
+| `master` | `string` | No | 특정 MasterPolicy 공개키로 이벤트 필터링. 미지정 시 전체 이벤트 수신 |
+
+### Response `200 OK` (`text/event-stream`)
+
+Connection은 유지되며, 아래 이벤트가 스트림으로 전송됩니다.
+
+**이벤트 타입**
+
+| event | data 형식 | 설명 |
+|---|---|---|
+| `master_policy_updated` | `MasterPolicyInfo` (JSON) | MasterPolicy 계정 상태가 변경됨 |
+| `flight_policy_updated` | `FlightPolicyInfo` (JSON) | FlightPolicy 계정 상태가 변경됨 |
+| `heartbeat` | `{"ts": <unix_seconds>}` | 30초 간격 keepalive |
+
+**필터 동작**
+
+- `master` 파라미터 지정 시:
+  - `flight_policy_updated`: data의 `master` 필드가 필터 값과 일치하는 이벤트만 전송
+  - `master_policy_updated`: data의 `pubkey` 필드가 필터 값과 일치하는 이벤트만 전송
+  - 그 외 이벤트: 필터 무시하고 전송
+
+### 예시
+
+```bash
+curl -N "http://localhost:3000/api/events?master=8dF3q..."
+```
+
+```
+event: master_policy_updated
+data: {"pubkey":"8dF3q...","master_id":1,"leader":"7xKXtg...","status":2,...}
+
+event: flight_policy_updated
+data: {"pubkey":"Abc12...","child_policy_id":1,"master":"8dF3q...","status":1,...}
+
+event: heartbeat
+data: {"ts":1717200030}
+```
+
+---
+
+## POST /api/firebase/test-document
+
+Firebase Firestore 연결 테스트용 엔드포인트. 테스트 문서를 생성하여 Firebase 인증 및 연결 상태를 확인합니다.
+
+### Parameters
+
+없음 (Request Body 없음)
+
+### Response `200 OK`
+
+```typescript
+{
+  firebase_saved: boolean,        // 저장 성공 여부 (항상 true)
+  collection_id: string,          // Firestore 컬렉션 ID
+  document_id: string,            // 생성된 문서 ID
+  firebase_document_path: string, // Firestore 문서 전체 경로
+  auth_principal: string          // 인증에 사용된 서비스 계정 ID
+}
+```
+
+---
+
+## 공통 타입 정의
+
+### MasterPolicyInfo
+
+MasterPolicy(공동보험 계약) 온체인 계정의 역직렬화된 정보입니다.
+
+```typescript
+{
+  pubkey: string,                         // 계정 공개키 (Base58)
+  master_id: number,                      // MasterPolicy 고유 ID (u64)
+  leader: string,                         // leader 지갑 공개키 (Base58)
+  operator: string,                       // operator 지갑 공개키 (Base58)
+  currency_mint: string,                  // SPL 토큰 민트 주소 (Base58)
+  coverage_start_ts: number,              // 보장 시작 시각 (Unix timestamp, i64)
+  coverage_end_ts: number,                // 보장 종료 시각 (Unix timestamp, i64)
+  premium_per_policy: number,             // 개별 보험증권 보험료 (lamports 단위, u64)
+  payout_delay_2h: number,                // 2시간 지연 시 보험금 (u64)
+  payout_delay_3h: number,                // 3시간 지연 시 보험금 (u64)
+  payout_delay_4to5h: number,             // 4~5시간 지연 시 보험금 (u64)
+  payout_delay_6h_or_cancelled: number,   // 6시간 이상 또는 결항 시 보험금 (u64)
+  ceded_ratio_bps: number,                // 출재 비율 (basis points, u16, 10000 = 100%)
+  reins_commission_bps: number,           // 재보험 수수료 비율 (bps, u16)
+  reinsurer_effective_bps: number,        // 재보험자 실효 비율 (bps, u16)
+  reinsurer: string,                      // 재보험자 공개키 (Base58)
+  reinsurer_confirmed: boolean,           // 재보험자 확인 여부
+  reinsurer_pool_wallet: string,          // 재보험자 풀 월렛 ATA (Base58)
+  reinsurer_deposit_wallet: string,       // 재보험자 예치 월렛 ATA (Base58)
+  leader_deposit_wallet: string,          // leader 예치 월렛 ATA (Base58)
+  participants: MasterParticipantInfo[],  // 참여자 목록
+  oracle_feed: string,                    // 오라클 피드 주소 (Base58)
+  status: number,                         // 상태 코드 (u8, 0~4)
+  status_label: string,                   // 상태 라벨 ("Draft"|"PendingConfirm"|"Active"|"Closed"|"Cancelled")
+  created_at: number                      // 생성 시각 (Unix timestamp, i64)
+}
+```
+
+### MasterParticipantInfo
+
+MasterPolicy 내 개별 참여자(보험사) 정보입니다.
+
+```typescript
+{
+  insurer: string,         // 참여자 공개키 (Base58)
+  share_bps: number,       // 인수 비율 (basis points, u16)
+  confirmed: boolean,      // 참여 확인 여부
+  pool_wallet: string,     // 참여자 풀 월렛 ATA (Base58)
+  deposit_wallet: string   // 참여자 예치 월렛 ATA (Base58)
+}
+```
+
+### FlightPolicyInfo
+
+FlightPolicy(항공편 보험증권) 온체인 계정의 역직렬화된 정보입니다.
+
+```typescript
+{
+  pubkey: string,              // 계정 공개키 (Base58)
+  child_policy_id: number,     // MasterPolicy 하위 증권 ID (u64)
+  master: string,              // 부모 MasterPolicy 공개키 (Base58)
+  creator: string,             // 증권 생성자 공개키 (Base58)
+  subscriber_ref: string,      // 가입자 참조 ID
+  flight_no: string,           // 항공편 번호 (예: "KE123")
+  route: string,               // 노선 (예: "ICN-NRT")
+  departure_ts: number,        // 출발 예정 시각 (Unix timestamp, i64)
+  premium_paid: number,        // 납부한 보험료 (lamports 단위, u64)
+  delay_minutes: number,       // 실제 지연 시간(분) (u16, 오라클이 설정)
+  cancelled: boolean,          // 결항 여부 (오라클이 설정)
+  payout_amount: number,       // 산정된 보험금 (u64)
+  status: number,              // 상태 코드 (u8, 0~5)
+  status_label: string,        // 상태 라벨 ("Issued"|"AwaitingOracle"|"Claimable"|"Paid"|"NoClaim"|"Expired")
+  premium_distributed: boolean,// 보험료 분배 완료 여부
+  created_at: number,          // 생성 시각 (Unix timestamp, i64)
+  updated_at: number           // 최종 수정 시각 (Unix timestamp, i64)
+}
+```

From 02c27e5c3b5cd9d85150fe66731a1f0e0e81eb6b Mon Sep 17 00:00:00 2001
From: MYONG JAEWI <78201530+Jaymyong66@users.noreply.github.com>
Date: Fri, 3 Apr 2026 00:52:34 +0900
Subject: [PATCH 7/8] =?UTF-8?q?feature:=20=EC=88=98=EB=8F=99=20=ED=85=8C?=
 =?UTF-8?q?=EC=8A=A4=ED=8A=B8=20=EC=8A=A4=ED=81=AC=EB=A6=BD=ED=8A=B8=20?=
 =?UTF-8?q?=EC=B6=94=EA=B0=80(=EC=99=B8=EB=B6=80=20api=20=EC=9D=98?=
 =?UTF-8?q?=EC=A1=B4=20x)?=
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

---
 contract/scripts/manual-create-flight.ts | 134 ++++++++++++++
 contract/scripts/manual-list.ts          |  96 ++++++++++
 contract/scripts/manual-resolve.ts       |  87 ++++++++++
 contract/scripts/manual-settle.ts        | 149 ++++++++++++++++
 docs/MANUAL_SCRIPTS_GUIDE.md             | 212 +++++++++++++++++++++++
 5 files changed, 678 insertions(+)
 create mode 100644 contract/scripts/manual-create-flight.ts
 create mode 100644 contract/scripts/manual-list.ts
 create mode 100644 contract/scripts/manual-resolve.ts
 create mode 100644 contract/scripts/manual-settle.ts
 create mode 100644 docs/MANUAL_SCRIPTS_GUIDE.md

diff --git a/contract/scripts/manual-create-flight.ts b/contract/scripts/manual-create-flight.ts
new file mode 100644
index 0000000..a24e571
--- /dev/null
+++ b/contract/scripts/manual-create-flight.ts
@@ -0,0 +1,134 @@
+/**
+ * yarn demo:manual-create-flight
+ *
+ * .state.json 없이 FlightPolicy를 직접 생성합니다.
+ * child_policy_id는 온체인의 기존 FlightPolicy를 조회하여 자동 증가합니다.
+ *
+ * 환경변수:
+ *   MASTER_PDA       MasterPolicy 주소 (필수)
+ *   FLIGHT_NO        항공편명 (기본값: KE001)
+ *   ROUTE            노선 (기본값: ICN-NRT)
+ *   DEPARTURE_TS     출발 Unix timestamp (기본값: 현재+24시간)
+ *   SUBSCRIBER_REF   가입자 참조 (기본값: manual-test)
+ *   CHILD_POLICY_ID  직접 지정 시 사용 (생략하면 자동 증가)
+ *   KEYPAIR_PATH     leader 키페어 경로 (기본값: ~/.config/solana/id.json)
+ */
+import * as anchor from "@coral-xyz/anchor";
+import { Connection, Keypair, PublicKey } from "@solana/web3.js";
+import { AnchorProvider, BN, Wallet } from "@coral-xyz/anchor";
+import { TOKEN_PROGRAM_ID } from "@solana/spl-token";
+import * as fs from "fs";
+import * as path from "path";
+
+const RPC_URL = process.env.ANCHOR_PROVIDER_URL ?? "https://api.devnet.solana.com";
+
+const MASTER_PDA      = process.env.MASTER_PDA      ?? (() => { throw new Error("MASTER_PDA 환경변수가 필요합니다"); })();
+const FLIGHT_NO       = process.env.FLIGHT_NO        ?? "KE001";
+const ROUTE           = process.env.ROUTE            ?? "ICN-NRT";
+const SUBSCRIBER_REF  = process.env.SUBSCRIBER_REF   ?? "manual-test";
+const KEYPAIR_PATH    = process.env.KEYPAIR_PATH
+  ?? path.join(process.env.HOME ?? "~", ".config/solana/id.json");
+
+// 출발시각: 기본 현재+24시간
+const DEPARTURE_TS = parseInt(
+  process.env.DEPARTURE_TS ?? String(Math.floor(Date.now() / 1000) + 86400)
+);
+
+function loadKeypair(p: string): Keypair {
+  const expanded = p.replace(/^~/, process.env.HOME ?? "");
+  const raw: number[] = JSON.parse(fs.readFileSync(expanded, "utf-8"));
+  return Keypair.fromSecretKey(Uint8Array.from(raw));
+}
+
+function flightPolicyPub(masterPolicy: PublicKey, childId: number, programId: PublicKey): PublicKey {
+  return PublicKey.findProgramAddressSync(
+    [
+      Buffer.from("flight_policy"),
+      masterPolicy.toBuffer(),
+      new BN(childId).toArrayLike(Buffer, "le", 8),
+    ],
+    programId
+  )[0];
+}
+
+async function main() {
+  const leader = loadKeypair(KEYPAIR_PATH);
+  const conn = new Connection(RPC_URL, "confirmed");
+  const provider = new AnchorProvider(conn, new Wallet(leader), { commitment: "confirmed" });
+  anchor.setProvider(provider);
+
+  const idlPath = path.join(__dirname, "../target/idl/open_parametric.json");
+  const idl = JSON.parse(fs.readFileSync(idlPath, "utf-8"));
+  const programId = new PublicKey(idl.address);
+  const pg = new anchor.Program(idl, provider);
+
+  const masterPda = new PublicKey(MASTER_PDA);
+
+  // 온체인 MasterPolicy 조회
+  const master = await (pg.account as any).masterPolicy.fetch(masterPda);
+
+  // child_policy_id 결정: 환경변수 지정 또는 자동 증가
+  let childId: number;
+  if (process.env.CHILD_POLICY_ID) {
+    childId = parseInt(process.env.CHILD_POLICY_ID);
+  } else {
+    // 기존 FlightPolicy 조회하여 max+1
+    const allFlights = await (pg.account as any).flightPolicy.all([
+      { memcmp: { offset: 16, bytes: masterPda.toBase58() } },
+    ]);
+    const maxId = allFlights.reduce(
+      (max: number, f: any) => Math.max(max, f.account.childPolicyId.toNumber()),
+      0
+    );
+    childId = maxId + 1;
+  }
+
+  const flightPda = flightPolicyPub(masterPda, childId, programId);
+
+  // leader의 ATA (premium 지불용)
+  const { getAssociatedTokenAddress } = await import("@solana/spl-token");
+  const payerAta = await getAssociatedTokenAddress(master.currencyMint, leader.publicKey);
+
+  console.log("=== manual-create-flight ===");
+  console.log("leader         :", leader.publicKey.toBase58());
+  console.log("masterPda      :", masterPda.toBase58());
+  console.log("childPolicyId  :", childId);
+  console.log("flightPda      :", flightPda.toBase58());
+  console.log("flightNo       :", FLIGHT_NO);
+  console.log("route          :", ROUTE);
+  console.log("subscriberRef  :", SUBSCRIBER_REF);
+  console.log("departureTs    :", DEPARTURE_TS, `(${new Date(DEPARTURE_TS * 1000).toISOString()})`);
+  console.log("premiumPerPolicy:", master.premiumPerPolicy.toString());
+  console.log("payerAta       :", payerAta.toBase58());
+
+  const params = {
+    childPolicyId: new BN(childId),
+    subscriberRef: SUBSCRIBER_REF,
+    flightNo: FLIGHT_NO,
+    route: ROUTE,
+    departureTs: new BN(DEPARTURE_TS),
+  };
+
+  const tx = await pg.methods
+    .createFlightPolicyFromMaster(params)
+    .accountsPartial({
+      creator:            leader.publicKey,
+      masterPolicy:       masterPda,
+      flightPolicy:       flightPda,
+      payerToken:         payerAta,
+      leaderDepositToken: master.leaderDepositWallet,
+      tokenProgram:       TOKEN_PROGRAM_ID,
+      systemProgram:      anchor.web3.SystemProgram.programId,
+    })
+    .signers([leader])
+    .rpc();
+
+  const fp = await (pg.account as any).flightPolicy.fetch(flightPda);
+
+  console.log("\n=== 완료 ===");
+  console.log("tx             :", tx);
+  console.log("status         :", fp.status, "(1=AwaitingOracle)");
+  console.log("premiumPaid    :", fp.premiumPaid.toString());
+}
+
+main().catch((e) => { console.error(e); process.exit(1); });
diff --git a/contract/scripts/manual-list.ts b/contract/scripts/manual-list.ts
new file mode 100644
index 0000000..cd2bda2
--- /dev/null
+++ b/contract/scripts/manual-list.ts
@@ -0,0 +1,96 @@
+/**
+ * yarn demo:manual-list
+ *
+ * 특정 MasterPolicy에 속한 모든 FlightPolicy를 조회합니다.
+ * .state.json 없이 온체인에서 직접 읽어옵니다.
+ *
+ * 환경변수:
+ *   MASTER_PDA       MasterPolicy 주소 (필수)
+ *   KEYPAIR_PATH     키페어 경로 (기본값: ~/.config/solana/id.json)
+ */
+import * as anchor from "@coral-xyz/anchor";
+import { Connection, Keypair, PublicKey } from "@solana/web3.js";
+import { AnchorProvider, Wallet } from "@coral-xyz/anchor";
+import * as fs from "fs";
+import * as path from "path";
+
+const RPC_URL = process.env.ANCHOR_PROVIDER_URL ?? "https://api.devnet.solana.com";
+
+const MASTER_PDA   = process.env.MASTER_PDA ?? (() => { throw new Error("MASTER_PDA 환경변수가 필요합니다"); })();
+const KEYPAIR_PATH = process.env.KEYPAIR_PATH
+  ?? path.join(process.env.HOME ?? "~", ".config/solana/id.json");
+
+const STATUS: Record<number, string> = {
+  0: "Issued",
+  1: "AwaitingOracle",
+  2: "Claimable",
+  3: "Paid",
+  4: "NoClaim",
+  5: "Expired",
+};
+
+function loadKeypair(p: string): Keypair {
+  const expanded = p.replace(/^~/, process.env.HOME ?? "");
+  const raw: number[] = JSON.parse(fs.readFileSync(expanded, "utf-8"));
+  return Keypair.fromSecretKey(Uint8Array.from(raw));
+}
+
+async function main() {
+  const payer = loadKeypair(KEYPAIR_PATH);
+  const conn = new Connection(RPC_URL, "confirmed");
+  const provider = new AnchorProvider(conn, new Wallet(payer), { commitment: "confirmed" });
+  anchor.setProvider(provider);
+
+  const idlPath = path.join(__dirname, "../target/idl/open_parametric.json");
+  const idl = JSON.parse(fs.readFileSync(idlPath, "utf-8"));
+  const pg = new anchor.Program(idl, provider);
+
+  const masterPda = new PublicKey(MASTER_PDA);
+
+  // memcmp 필터: FlightPolicy.master 필드 (offset = 8 discriminator + 8 child_policy_id = 16)
+  const allFlights = await (pg.account as any).flightPolicy.all([
+    { memcmp: { offset: 16, bytes: masterPda.toBase58() } },
+  ]);
+
+  if (allFlights.length === 0) {
+    console.log(`\nMasterPolicy (${masterPda.toBase58().slice(0, 12)}...)에 속한 FlightPolicy가 없습니다.`);
+    return;
+  }
+
+  // child_policy_id 기준 정렬
+  allFlights.sort((a: any, b: any) =>
+    a.account.childPolicyId.toNumber() - b.account.childPolicyId.toNumber()
+  );
+
+  console.log(`\n=== FlightPolicy 목록 (MasterPolicy: ${masterPda.toBase58().slice(0, 12)}...) ===\n`);
+  console.log(
+    "ID".padStart(4),
+    "flightNo".padEnd(10),
+    "status".padEnd(20),
+    "delay".padStart(5),
+    "cancelled".padEnd(9),
+    "payout".padStart(12),
+    "premium".padStart(12),
+    "PDA",
+  );
+  console.log("-".repeat(110));
+
+  for (const { publicKey, account: fp } of allFlights) {
+    const id = fp.childPolicyId.toNumber();
+    const statusLabel = `${STATUS[fp.status] ?? "?"}(${fp.status})`;
+    console.log(
+      String(id).padStart(4),
+      fp.flightNo.padEnd(10),
+      statusLabel.padEnd(20),
+      String(fp.delayMinutes).padStart(5),
+      String(fp.cancelled).padEnd(9),
+      fp.payoutAmount.toString().padStart(12),
+      fp.premiumPaid.toString().padStart(12),
+      publicKey.toBase58().slice(0, 16) + "...",
+    );
+  }
+
+  console.log(`\n총 ${allFlights.length}개 FlightPolicy`);
+}
+
+main().catch((e) => { console.error(e); process.exit(1); });
diff --git a/contract/scripts/manual-resolve.ts b/contract/scripts/manual-resolve.ts
new file mode 100644
index 0000000..99afc60
--- /dev/null
+++ b/contract/scripts/manual-resolve.ts
@@ -0,0 +1,87 @@
+/**
+ * yarn ts-node -P tsconfig.json scripts/manual-resolve.ts
+ *
+ * AviationStack 없이 resolve_flight_delay를 직접 호출합니다.
+ *
+ * 환경변수:
+ *   MASTER_PDA       MasterPolicy 주소 (필수)
+ *   CHILD_POLICY_ID  FlightPolicy child ID (기본값: 4)
+ *   DELAY_MINUTES    지연 분 (기본값: 150 → Claimable)
+ *   CANCELLED        결항 여부 "true" / "false" (기본값: false)
+ *   KEYPAIR_PATH     leader 키페어 경로 (기본값: ~/.config/solana/id.json)
+ */
+import * as anchor from "@coral-xyz/anchor";
+import { Connection, Keypair, PublicKey } from "@solana/web3.js";
+import { AnchorProvider, BN, Wallet } from "@coral-xyz/anchor";
+import * as fs from "fs";
+import * as path from "path";
+
+const RPC_URL = process.env.ANCHOR_PROVIDER_URL ?? "https://api.devnet.solana.com";
+
+const MASTER_PDA   = process.env.MASTER_PDA        ?? (() => { throw new Error("MASTER_PDA 환경변수가 필요합니다"); })();
+const CHILD_ID     = parseInt(process.env.CHILD_POLICY_ID ?? "4");
+const DELAY_MIN    = parseInt(process.env.DELAY_MINUTES   ?? "150");
+const CANCELLED    = process.env.CANCELLED === "true";
+const KEYPAIR_PATH = process.env.KEYPAIR_PATH
+  ?? path.join(process.env.HOME ?? "~", ".config/solana/id.json");
+
+function loadKeypair(p: string): Keypair {
+  const expanded = p.replace(/^~/, process.env.HOME ?? "");
+  const raw: number[] = JSON.parse(fs.readFileSync(expanded, "utf-8"));
+  return Keypair.fromSecretKey(Uint8Array.from(raw));
+}
+
+function flightPolicyPub(masterPolicy: PublicKey, childId: number, programId: PublicKey): PublicKey {
+  return PublicKey.findProgramAddressSync(
+    [
+      Buffer.from("flight_policy"),
+      masterPolicy.toBuffer(),
+      new BN(childId).toArrayLike(Buffer, "le", 8),
+    ],
+    programId
+  )[0];
+}
+
+async function main() {
+  const leader = loadKeypair(KEYPAIR_PATH);
+  const conn = new Connection(RPC_URL, "confirmed");
+  const provider = new AnchorProvider(conn, new Wallet(leader), { commitment: "confirmed" });
+  anchor.setProvider(provider);
+
+  const idlPath = path.join(__dirname, "../target/idl/open_parametric.json");
+  const idl = JSON.parse(fs.readFileSync(idlPath, "utf-8"));
+  const programId = new PublicKey(idl.address);
+  const pg = new anchor.Program(idl, provider);
+
+  const masterPda = new PublicKey(MASTER_PDA);
+  const flightPda = flightPolicyPub(masterPda, CHILD_ID, programId);
+
+  console.log("=== manual-resolve ===");
+  console.log("leader        :", leader.publicKey.toBase58());
+  console.log("masterPda     :", masterPda.toBase58());
+  console.log("flightPda     :", flightPda.toBase58());
+  console.log("delay_minutes :", DELAY_MIN);
+  console.log("cancelled     :", CANCELLED);
+
+  const before = await (pg.account as any).flightPolicy.fetch(flightPda);
+  console.log("\n현재 status   :", before.status);
+
+  const tx = await pg.methods
+    .resolveFlightDelay(DELAY_MIN, CANCELLED)
+    .accountsPartial({
+      resolver: leader.publicKey,
+      masterPolicy: masterPda,
+      flightPolicy: flightPda,
+    })
+    .signers([leader])
+    .rpc();
+
+  const after = await (pg.account as any).flightPolicy.fetch(flightPda);
+
+  console.log("\n=== 완료 ===");
+  console.log("tx            :", tx);
+  console.log("delay(온체인) :", after.delayMinutes, "분");
+  console.log("status        :", after.status, "(2=Claimable, 4=NoClaim)");
+}
+
+main().catch((e) => { console.error(e); process.exit(1); });
diff --git a/contract/scripts/manual-settle.ts b/contract/scripts/manual-settle.ts
new file mode 100644
index 0000000..9343469
--- /dev/null
+++ b/contract/scripts/manual-settle.ts
@@ -0,0 +1,149 @@
+/**
+ * yarn demo:manual-settle
+ *
+ * .state.json 없이 온체인 MasterPolicy에서 wallet 주소를 읽어 정산합니다.
+ *
+ * 환경변수:
+ *   MASTER_PDA       MasterPolicy 주소 (필수)
+ *   CHILD_POLICY_ID  FlightPolicy child ID (기본값: 4)
+ *   KEYPAIR_PATH     leader 키페어 경로 (기본값: ~/.config/solana/id.json)
+ */
+import * as anchor from "@coral-xyz/anchor";
+import { Connection, Keypair, PublicKey } from "@solana/web3.js";
+import { AnchorProvider, BN, Wallet } from "@coral-xyz/anchor";
+import { TOKEN_PROGRAM_ID } from "@solana/spl-token";
+import * as fs from "fs";
+import * as path from "path";
+
+const RPC_URL = process.env.ANCHOR_PROVIDER_URL ?? "https://api.devnet.solana.com";
+
+const MASTER_PDA   = process.env.MASTER_PDA        ?? (() => { throw new Error("MASTER_PDA 환경변수가 필요합니다"); })();
+const CHILD_ID     = parseInt(process.env.CHILD_POLICY_ID ?? "4");
+const KEYPAIR_PATH = process.env.KEYPAIR_PATH
+  ?? path.join(process.env.HOME ?? "~", ".config/solana/id.json");
+
+const STATUS: Record<number, string> = {
+  0: "Issued",
+  1: "AwaitingOracle",
+  2: "Claimable",
+  3: "Paid",
+  4: "NoClaim",
+  5: "Expired",
+};
+
+function loadKeypair(p: string): Keypair {
+  const expanded = p.replace(/^~/, process.env.HOME ?? "");
+  const raw: number[] = JSON.parse(fs.readFileSync(expanded, "utf-8"));
+  return Keypair.fromSecretKey(Uint8Array.from(raw));
+}
+
+function flightPolicyPub(masterPolicy: PublicKey, childId: number, programId: PublicKey): PublicKey {
+  return PublicKey.findProgramAddressSync(
+    [
+      Buffer.from("flight_policy"),
+      masterPolicy.toBuffer(),
+      new BN(childId).toArrayLike(Buffer, "le", 8),
+    ],
+    programId
+  )[0];
+}
+
+async function main() {
+  const leader = loadKeypair(KEYPAIR_PATH);
+  const conn = new Connection(RPC_URL, "confirmed");
+  const provider = new AnchorProvider(conn, new Wallet(leader), { commitment: "confirmed" });
+  anchor.setProvider(provider);
+
+  const idlPath = path.join(__dirname, "../target/idl/open_parametric.json");
+  const idl = JSON.parse(fs.readFileSync(idlPath, "utf-8"));
+  const programId = new PublicKey(idl.address);
+  const pg = new anchor.Program(idl, provider);
+
+  const masterPda = new PublicKey(MASTER_PDA);
+  const flightPda = flightPolicyPub(masterPda, CHILD_ID, programId);
+
+  // 온체인 계정 fetch
+  const master = await (pg.account as any).masterPolicy.fetch(masterPda);
+  const fp = await (pg.account as any).flightPolicy.fetch(flightPda);
+
+  console.log("=== manual-settle ===");
+  console.log("leader        :", leader.publicKey.toBase58());
+  console.log("masterPda     :", masterPda.toBase58());
+  console.log("flightPda     :", flightPda.toBase58());
+  console.log("flightNo      :", fp.flightNo);
+  console.log("delayMinutes  :", fp.delayMinutes);
+  console.log("cancelled     :", fp.cancelled);
+  console.log("payoutAmount  :", fp.payoutAmount.toString());
+  console.log("현재 status   :", fp.status, `(${STATUS[fp.status] ?? "?"})`);
+
+  if (fp.status === 2) {
+    // ── Claimable → Paid ──────────────────────────────────────────────────────
+    console.log("\n→ Claimable: settle_flight_claim 실행 중...");
+
+    const participantPoolWallets = master.participants.map((p: any) => ({
+      pubkey: p.poolWallet as PublicKey,
+      isWritable: true,
+      isSigner: false,
+    }));
+
+    const tx = await pg.methods
+      .settleFlightClaim()
+      .accountsPartial({
+        executor:           leader.publicKey,
+        masterPolicy:       masterPda,
+        flightPolicy:       flightPda,
+        leaderDepositToken: master.leaderDepositWallet,
+        reinsurerPoolToken: master.reinsurerPoolWallet,
+        tokenProgram:       TOKEN_PROGRAM_ID,
+      })
+      .remainingAccounts(participantPoolWallets)
+      .signers([leader])
+      .rpc();
+
+    const after = await (pg.account as any).flightPolicy.fetch(flightPda);
+    console.log("\n=== 완료 ===");
+    console.log("tx            :", tx);
+    console.log("status        :", after.status, `(${STATUS[after.status] ?? "?"})`);
+    console.log("payout        :", fp.payoutAmount.toString(), "토큰 → leaderDepositWallet");
+
+  } else if (fp.status === 4) {
+    // ── NoClaim → Expired ─────────────────────────────────────────────────────
+    console.log("\n→ NoClaim: settle_flight_no_claim 실행 중...");
+
+    const participantDepositWallets = master.participants.map((p: any) => ({
+      pubkey: p.depositWallet as PublicKey,
+      isWritable: true,
+      isSigner: false,
+    }));
+
+    const tx = await pg.methods
+      .settleFlightNoClaim()
+      .accountsPartial({
+        executor:              leader.publicKey,
+        masterPolicy:          masterPda,
+        flightPolicy:          flightPda,
+        leaderDepositToken:    master.leaderDepositWallet,
+        reinsurerDepositToken: master.reinsurerDepositWallet,
+        tokenProgram:          TOKEN_PROGRAM_ID,
+      })
+      .remainingAccounts(participantDepositWallets)
+      .signers([leader])
+      .rpc();
+
+    const after = await (pg.account as any).flightPolicy.fetch(flightPda);
+    console.log("\n=== 완료 ===");
+    console.log("tx            :", tx);
+    console.log("status        :", after.status, `(${STATUS[after.status] ?? "?"})`);
+    console.log("premium       :", fp.premiumPaid.toString(), "토큰 → 참여사 deposit wallets");
+
+  } else {
+    console.log(`\n⚠ 정산 불가 (현재 status=${fp.status})`);
+    if (fp.status === 1) {
+      console.log("  → manual-resolve로 먼저 오라클 결과를 기록하세요.");
+    } else if (fp.status === 3 || fp.status === 5) {
+      console.log("  → 이미 정산 완료된 FlightPolicy입니다.");
+    }
+  }
+}
+
+main().catch((e) => { console.error(e); process.exit(1); });
diff --git a/docs/MANUAL_SCRIPTS_GUIDE.md b/docs/MANUAL_SCRIPTS_GUIDE.md
new file mode 100644
index 0000000..dc4a6e1
--- /dev/null
+++ b/docs/MANUAL_SCRIPTS_GUIDE.md
@@ -0,0 +1,212 @@
+# Manual Scripts 사용 가이드
+
+AviationStack API, Switchboard Oracle, `.state.json` 없이 FlightPolicy 상태를 직접 제어하는 스크립트입니다.
+
+## 전제 조건
+
+- MasterPolicy가 이미 생성되어 Active 상태여야 합니다 (`yarn demo:3-master-setup`)
+- FlightPolicy가 이미 생성되어 있어야 합니다 (`yarn demo:4-flight-create`)
+- Leader 키페어 파일이 로컬에 있어야 합니다 (기본: `~/.config/solana/id.json`)
+- `target/idl/open_parametric.json` IDL 파일이 존재해야 합니다 (`anchor build` 후 생성)
+
+---
+
+## 1. manual-resolve.ts
+
+FlightPolicy의 오라클 결과를 수동으로 기록합니다.  
+`AwaitingOracle(1)` 상태의 FlightPolicy를 `Claimable(2)` 또는 `NoClaim(4)`로 전환합니다.
+
+### 환경변수
+
+| 변수 | 필수 | 기본값 | 설명 |
+|---|---|---|---|
+| `MASTER_PDA` | **필수** | - | MasterPolicy 온체인 주소 |
+| `CHILD_POLICY_ID` | 선택 | `4` | FlightPolicy의 child ID |
+| `DELAY_MINUTES` | 선택 | `150` | 지연 시간 (분) |
+| `CANCELLED` | 선택 | `false` | 결항 여부 (`true` / `false`) |
+| `KEYPAIR_PATH` | 선택 | `~/.config/solana/id.json` | Leader 키페어 경로 |
+| `ANCHOR_PROVIDER_URL` | 선택 | `https://api.devnet.solana.com` | Solana RPC URL |
+
+### 지연 시간별 결과
+
+| DELAY_MINUTES | CANCELLED | 결과 상태 | Payout 티어 |
+|---|---|---|---|
+| 0 ~ 119 | `false` | **NoClaim(4)** | 0 (미지급) |
+| 120 ~ 179 | `false` | **Claimable(2)** | `payout_delay_2h` |
+| 180 ~ 239 | `false` | **Claimable(2)** | `payout_delay_3h` |
+| 240 ~ 359 | `false` | **Claimable(2)** | `payout_delay_4to5h` |
+| 360+ | `false` | **Claimable(2)** | `payout_delay_6h_or_cancelled` |
+| 아무 값 | `true` | **Claimable(2)** | `payout_delay_6h_or_cancelled` |
+
+### 실행 예시
+
+```bash
+# 2시간 지연 → Claimable
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 DELAY_MINUTES=150 \
+  yarn ts-node -P tsconfig.json scripts/manual-resolve.ts
+
+# 지연 없음 → NoClaim
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 DELAY_MINUTES=60 \
+  yarn ts-node -P tsconfig.json scripts/manual-resolve.ts
+
+# 결항 → Claimable (최대 payout)
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 DELAY_MINUTES=0 CANCELLED=true \
+  yarn ts-node -P tsconfig.json scripts/manual-resolve.ts
+
+# 6시간 이상 지연 → Claimable (최대 payout)
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 DELAY_MINUTES=400 \
+  yarn ts-node -P tsconfig.json scripts/manual-resolve.ts
+```
+
+### 출력 예시
+
+```
+=== manual-resolve ===
+leader        : 7xKX...
+masterPda     : Abc1...
+flightPda     : Def4...
+delay_minutes : 150
+cancelled     : false
+
+현재 status   : 1
+
+=== 완료 ===
+tx            : 5yNp...
+delay(온체인) : 150 분
+status        : 2 (2=Claimable, 4=NoClaim)
+```
+
+---
+
+## 2. manual-settle.ts
+
+FlightPolicy의 정산을 실행합니다. 온체인 MasterPolicy 계정에서 wallet 주소를 자동으로 읽어오므로 `.state.json`이 필요 없습니다.
+
+- `Claimable(2)` → `settle_flight_claim` → **Paid(3)**: 참여사 pool에서 leader deposit으로 payout 이체
+- `NoClaim(4)` → `settle_flight_no_claim` → **Expired(5)**: leader deposit에서 참여사 deposit으로 premium 분배
+
+### 환경변수
+
+| 변수 | 필수 | 기본값 | 설명 |
+|---|---|---|---|
+| `MASTER_PDA` | **필수** | - | MasterPolicy 온체인 주소 |
+| `CHILD_POLICY_ID` | 선택 | `4` | FlightPolicy의 child ID |
+| `KEYPAIR_PATH` | 선택 | `~/.config/solana/id.json` | Leader 키페어 경로 |
+| `ANCHOR_PROVIDER_URL` | 선택 | `https://api.devnet.solana.com` | Solana RPC URL |
+
+### 실행 예시
+
+```bash
+# Claimable → Paid (보험금 지급)
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 \
+  yarn demo:manual-settle
+
+# NoClaim → Expired (프리미엄 분배)
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 \
+  yarn demo:manual-settle
+```
+
+### 출력 예시 (Claimable → Paid)
+
+```
+=== manual-settle ===
+leader        : 7xKX...
+masterPda     : Abc1...
+flightPda     : Def4...
+flightNo      : KE653
+delayMinutes  : 150
+cancelled     : false
+payoutAmount  : 40000000
+현재 status   : 2 (Claimable)
+
+→ Claimable: settle_flight_claim 실행 중...
+
+=== 완료 ===
+tx            : 3kMn...
+status        : 3 (Paid)
+payout        : 40000000 토큰 → leaderDepositWallet
+```
+
+### 출력 예시 (NoClaim → Expired)
+
+```
+=== manual-settle ===
+leader        : 7xKX...
+masterPda     : Abc1...
+flightPda     : Def4...
+flightNo      : KE653
+delayMinutes  : 60
+cancelled     : false
+payoutAmount  : 0
+현재 status   : 4 (NoClaim)
+
+→ NoClaim: settle_flight_no_claim 실행 중...
+
+=== 완료 ===
+tx            : 8pQr...
+status        : 5 (Expired)
+premium       : 10000000 토큰 → 참여사 deposit wallets
+```
+
+---
+
+## 전체 플로우 예시
+
+API 의존성 없이 FlightPolicy의 전체 라이프사이클을 수동으로 실행하는 시나리오입니다.
+
+### 시나리오 A: 보험금 지급 (지연 발생)
+
+```bash
+# 1. resolve: 2시간 30분 지연 → Claimable
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 DELAY_MINUTES=150 \
+  yarn ts-node -P tsconfig.json scripts/manual-resolve.ts
+
+# 2. settle: payout 지급 → Paid
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 \
+  yarn demo:manual-settle
+```
+
+### 시나리오 B: 프리미엄 분배 (지연 없음)
+
+```bash
+# 1. resolve: 지연 없음 → NoClaim
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 DELAY_MINUTES=30 \
+  yarn ts-node -P tsconfig.json scripts/manual-resolve.ts
+
+# 2. settle: premium 분배 → Expired
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 \
+  yarn demo:manual-settle
+```
+
+### 시나리오 C: 결항 (최대 보험금)
+
+```bash
+# 1. resolve: 결항 → Claimable (최대 payout)
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 DELAY_MINUTES=0 CANCELLED=true \
+  yarn ts-node -P tsconfig.json scripts/manual-resolve.ts
+
+# 2. settle: payout 지급 → Paid
+MASTER_PDA=Abc123... CHILD_POLICY_ID=1 \
+  yarn demo:manual-settle
+```
+
+---
+
+## FlightPolicy 상태 전환 전체 맵
+
+```
+                    manual-resolve.ts
+                   (DELAY >= 120 or CANCELLED=true)
+                  ┌─────────────────────────────────→ Claimable(2)
+                  │                                       │
+AwaitingOracle(1) ┤                                       │ manual-settle.ts
+                  │                                       │ (settle_flight_claim)
+                  │   manual-resolve.ts                   ▼
+                  │  (DELAY < 120)                     Paid(3) ✓
+                  └─────────────────────────────────→ NoClaim(4)
+                                                          │
+                                                          │ manual-settle.ts
+                                                          │ (settle_flight_no_claim)
+                                                          ▼
+                                                      Expired(5) ✓
+```

From e9241edf0193a51d65b46e0cb55f81dba620b937 Mon Sep 17 00:00:00 2001
From: MYONG JAEWI <78201530+Jaymyong66@users.noreply.github.com>
Date: Fri, 3 Apr 2026 00:59:22 +0900
Subject: [PATCH 8/8] =?UTF-8?q?docs:=20=EB=A0=88=EA=B1=B0=EC=8B=9C=20?=
 =?UTF-8?q?=EB=AC=B8=EC=84=9C=20=EC=82=AD=EC=A0=9C?=
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

---
 docs/BACKEND_API_SPEC.md               | 515 -------------------------
 docs/MASTER_POLICY_REDESIGN_PLAN_KO.md | 244 ------------
 docs/emotion-migration-handoff.md      | 101 -----
 3 files changed, 860 deletions(-)
 delete mode 100644 docs/BACKEND_API_SPEC.md
 delete mode 100644 docs/MASTER_POLICY_REDESIGN_PLAN_KO.md
 delete mode 100644 docs/emotion-migration-handoff.md

diff --git a/docs/BACKEND_API_SPEC.md b/docs/BACKEND_API_SPEC.md
deleted file mode 100644
index 6675a18..0000000
--- a/docs/BACKEND_API_SPEC.md
+++ /dev/null
@@ -1,515 +0,0 @@
-# Backend API Specification
-
-> **작성 목적**: 프론트엔드의 Solana devnet 직접 RPC 호출을 백엔드 API로 대체하기 위한 스펙.
-> **배경**: 프론트에서 `onAccountChange` WebSocket 구독 및 `getProgramAccounts` 직접 호출 시 devnet 429 rate limit 발생 → 백엔드가 RPC를 단일 구독하고 SSE로 프론트에 분배.
-
----
-
-## 아키텍처 변경 요약
-
-```
-[기존]
-Frontend → Solana devnet RPC (직접, 클라이언트마다 구독) → 429 에러 발생
-
-[변경 후]
-Frontend → Backend API (REST + SSE)
-                ↓
-         Backend → Solana devnet RPC (단일 구독, in-memory 캐시)
-```
-
----
-
-## 기존 API (변경 필요)
-
-### `GET /health`
-
-현재 상태 그대로 유지.
-
-**curl 예시:**
-```bash
-curl http://localhost:3000/health
-```
-
-**Response:**
-```json
-{
-  "status": "ok",
-  "rpc_url": "https://api.devnet.solana.com",
-  "leader_pubkey": "..."
-}
-```
-
----
-
-### `GET /api/master-policies`
-
-**변경사항**: `leader` 쿼리 파라미터 추가 (필터링).
-
-**Query Parameters:**
-
-| 파라미터 | 타입 | 필수 | 설명 |
-|---|---|---|---|
-| `leader` | `string (base58 pubkey)` | 선택 | 이 pubkey가 leader인 정책만 반환 |
-
-**Request 예시:**
-```
-GET /api/master-policies?leader=7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU
-```
-
-**curl 예시:**
-```bash
-curl http://localhost:3000/api/master-policies
-
-curl "http://localhost:3000/api/master-policies?leader=GNPnwyRCCvo8wLEPwJEmzEjrqyhSXeyXvTbYibieHpYM"
-```
-
-**Response:**
-```json
-{
-  "master_policies": [
-    {
-      "pubkey": "3yGp...",
-      "master_id": 1,
-      "leader": "7xKX...",
-      "operator": "7xKX...",
-      "currency_mint": "5YsA...",
-      "coverage_start_ts": 1710000000,
-      "coverage_end_ts": 1712592000,
-      "premium_per_policy": 5000000,
-      "payout_delay_2h": 5000000,
-      "payout_delay_3h": 8000000,
-      "payout_delay_4to5h": 12000000,
-      "payout_delay_6h_or_cancelled": 15000000,
-      "ceded_ratio_bps": 3000,
-      "reins_commission_bps": 500,
-      "reinsurer_effective_bps": 2850,
-      "reinsurer": "Abc1...",
-      "reinsurer_confirmed": true,
-      "reinsurer_pool_wallet": "Def2...",
-      "reinsurer_deposit_wallet": "Ghi3...",
-      "leader_deposit_wallet": "Jkl4...",
-      "participants": [
-        {
-          "insurer": "Mno5...",
-          "share_bps": 5000,
-          "confirmed": true,
-          "pool_wallet": "Pqr6...",
-          "deposit_wallet": "Stu7..."
-        }
-      ],
-      "oracle_feed": "Vwx8...",
-      "status": 2,
-      "status_label": "Active",
-      "created_at": 1710000000
-    }
-  ]
-}
-```
-
----
-
-### `GET /api/flight-policies`
-
-**변경사항**: `master` 쿼리 파라미터 추가 (필터링).
-
-**Query Parameters:**
-
-| 파라미터 | 타입 | 필수 | 설명 |
-|---|---|---|---|
-| `master` | `string (base58 pubkey)` | 선택 | 이 master policy pubkey에 속한 항공편 정책만 반환 |
-| `status` | `number` | 선택 | 특정 상태의 정책만 반환 (0=Issued, 1=AwaitingOracle, 2=Claimable, 3=Paid, 4=NoClaim, 5=Expired) |
-
-**Request 예시:**
-```
-GET /api/flight-policies?master=3yGp...
-GET /api/flight-policies?master=3yGp...&status=1
-```
-
-**curl 예시:**
-```bash
-curl http://localhost:3000/api/flight-policies
-
-curl "http://localhost:3000/api/flight-policies?master=c6DFe9oViEFYKPyasoCM8eiYggx9TZ2e7qH6UTr55mr"
-
-curl "http://localhost:3000/api/flight-policies?master=c6DFe9oViEFYKPyasoCM8eiYggx9TZ2e7qH6UTr55mr&status=1"
-```
-
-**Response:**
-```json
-{
-  "flight_policies": [
-    {
-      "pubkey": "9zAb...",
-      "child_policy_id": 1,
-      "master": "3yGp...",
-      "creator": "7xKX...",
-      "subscriber_ref": "USR-001",
-      "flight_no": "KE001",
-      "route": "ICN-NRT",
-      "departure_ts": 1710500000,
-      "premium_paid": 5000000,
-      "delay_minutes": 0,
-      "cancelled": false,
-      "payout_amount": 0,
-      "status": 1,
-      "status_label": "AwaitingOracle",
-      "premium_distributed": false,
-      "created_at": 1710000000,
-      "updated_at": 1710100000
-    }
-  ]
-}
-```
-
----
-
-## 신규 API
-
-### `GET /api/master-policies/:pubkey`
-
-단일 MasterPolicy 계정 조회.
-
-**Path Parameters:**
-
-| 파라미터 | 타입 | 설명 |
-|---|---|---|
-| `pubkey` | `string (base58)` | MasterPolicy 계정 주소 |
-
-**curl 예시:**
-```bash
-curl http://localhost:3000/api/master-policies/3yGp...
-```
-
-**Response:** 위 목록 응답의 단일 `MasterPolicyInfo` 객체.
-
-**Error:**
-```json
-{ "error": "account not found" }   // 404
-{ "error": "failed to fetch: ..." } // 500
-```
-
----
-
-### `GET /api/flight-policies/:pubkey`
-
-단일 FlightPolicy 계정 조회.
-
-**Path Parameters:**
-
-| 파라미터 | 타입 | 설명 |
-|---|---|---|
-| `pubkey` | `string (base58)` | FlightPolicy 계정 주소 |
-
-**curl 예시:**
-```bash
-curl http://localhost:3000/api/flight-policies/9zAb...
-```
-
-**Response:** 위 목록 응답의 단일 `FlightPolicyInfo` 객체.
-
----
-
-### `GET /api/master-policies/:master_policy_pubkey/flight-policies`
-
-특정 MasterPolicy에 속한 FlightPolicy 목록 조회.
-
-**Path Parameters:**
-
-| 파라미터 | 타입 | 설명 |
-|---|---|---|
-| `master_policy_pubkey` | `string (base58)` | MasterPolicy 계정 주소 |
-
-**curl 예시:**
-```bash
-curl "http://localhost:3000/api/master-policies/3yGp.../flight-policies"
-```
-
-**Response:**
-```json
-{
-  "program_id": "ETEEEssGKAAQEGwz3ggDcy9vzPAPtBjtb2KocdyLBMjh",
-  "master_policy_pubkey": "3yGp...",
-  "count": 2,
-  "flight_policies": [
-    {
-      "pubkey": "9zAb...",
-      "child_policy_id": 1,
-      "master": "3yGp...",
-      "creator": "7xKX...",
-      "subscriber_ref": "USR-001",
-      "flight_no": "KE001",
-      "route": "ICN-NRT",
-      "departure_ts": 1710500000,
-      "premium_paid": 5000000,
-      "delay_minutes": 0,
-      "cancelled": false,
-      "payout_amount": 0,
-      "status": 1,
-      "status_label": "AwaitingOracle",
-      "premium_distributed": false,
-      "created_at": 1710000000,
-      "updated_at": 1710100000
-    }
-  ]
-}
-```
-
-**Error:**
-```json
-{ "error": "account not found" }   // 404
-{ "error": "failed to fetch: ..." } // 500
-```
-
----
-
-### `POST /api/master-policies/:master_policy_pubkey/flight-policies`
-
-특정 MasterPolicy 아래에 새로운 FlightPolicy를 생성.
-
-**Path Parameters:**
-
-| 파라미터 | 타입 | 설명 |
-|---|---|---|
-| `master_policy_pubkey` | `string (base58)` | FlightPolicy를 생성할 대상 MasterPolicy 계정 주소 |
-
-**Request Body:**
-```json
-{
-  "subscriber_ref": "USR-001",
-  "flight_no": "KE001",
-  "route": "ICN-NRT",
-  "departure_ts": 1710500000
-}
-```
-
-**curl 예시:**
-```bash
-curl -X POST "http://localhost:3000/api/master-policies/3yGp.../flight-policies" \
-  -H "Content-Type: application/json" \
-  -d '{
-    "subscriber_ref": "USR-001",
-    "flight_no": "KE001",
-    "route": "ICN-NRT",
-    "departure_ts": 1710500000
-  }'
-```
-
-**Response:**
-```json
-{
-  "program_id": "ETEEEssGKAAQEGwz3ggDcy9vzPAPtBjtb2KocdyLBMjh",
-  "master_policy_pubkey": "3yGp...",
-  "child_policy_id": 1,
-  "flight_policy_pubkey": "9zAb...",
-  "tx_signature": "5YkK..."
-}
-```
-
-**Error:**
-```json
-{ "error": "master_policy_pubkey 주소 파싱 실패: ..." } // 400
-{ "error": "MasterPolicy가 Active 상태가 아닙니다: status=..." } // 500
-{ "error": "현재 서버 키는 이 MasterPolicy의 leader/operator 권한이 없습니다" } // 500
-{ "error": "subscriber_ref, flight_no, route는 비어 있을 수 없습니다" } // 500
-```
-
----
-
-### `GET /api/events` ⭐ (핵심 신규 엔드포인트)
-
-**Server-Sent Events** 스트림. 백엔드가 Solana 계정 변경을 감지하면 연결된 프론트에 즉시 푸시.
-
-**Query Parameters:**
-
-| 파라미터 | 타입 | 필수 | 설명 |
-|---|---|---|---|
-| `master` | `string (base58 pubkey)` | 선택 | 이 master에 속한 FlightPolicy 변경 이벤트만 수신. 생략 시 전체 수신. |
-
-**curl 예시:**
-```bash
-curl -N http://localhost:3000/api/events
-
-curl -N "http://localhost:3000/api/events?master=3yGp..."
-```
-
-**Response Headers:**
-```
-Content-Type: text/event-stream
-Cache-Control: no-cache
-Connection: keep-alive
-```
-
-**이벤트 형식:**
-
-각 SSE 이벤트는 `event:` 타입과 `data:` JSON 페이로드로 구성됩니다.
-
-#### 1. `master_policy_updated`
-
-MasterPolicy 계정 상태 변경 시 발생.
-
-```
-event: master_policy_updated
-data: {"pubkey":"3yGp...","status":2,"status_label":"Active",...}
-```
-
-`data` 구조는 `/api/master-policies` 응답의 `MasterPolicyInfo`와 동일.
-
-#### 2. `flight_policy_updated`
-
-FlightPolicy 계정 상태 변경 시 발생.
-
-```
-event: flight_policy_updated
-data: {"pubkey":"9zAb...","master":"3yGp...","status":2,"status_label":"Claimable","delay_minutes":135,...}
-```
-
-`data` 구조는 `/api/flight-policies` 응답의 `FlightPolicyInfo`와 동일.
-
-#### 3. `heartbeat`
-
-연결 유지용. 30초마다 전송.
-
-```
-event: heartbeat
-data: {"ts":1710500000}
-```
-
----
-
-## 백엔드 구현 변경 사항
-
-### 1. `AppState` 확장
-
-```rust
-pub struct AppState {
-    pub config: Arc<Config>,
-    // 기존 필드 유지
-
-    // 신규: in-memory 캐시
-    pub master_policies: Arc<RwLock<Vec<MasterPolicyInfo>>>,
-    pub flight_policies: Arc<RwLock<Vec<FlightPolicyInfo>>>,
-
-    // 신규: SSE broadcast 채널
-    pub event_tx: broadcast::Sender<SseEvent>,
-}
-
-pub enum SseEvent {
-    MasterPolicyUpdated(MasterPolicyInfo),
-    FlightPolicyUpdated(FlightPolicyInfo),
-    Heartbeat,
-}
-```
-
-### 2. 신규 백그라운드 태스크: `cache_watcher`
-
-`main.rs`에 세 번째 태스크 추가:
-
-```rust
-// main.rs
-tokio::select! {
-    _ = scheduler::start(&config) => {},
-    _ = web::start(&state) => {},
-    _ = cache::start(&state) => {},  // 신규
-}
-```
-
-`cache::start()` 역할:
-- Solana RPC `programSubscribe`(또는 주기적 폴링)로 MasterPolicy/FlightPolicy 계정 변경 감지
-- 캐시 업데이트
-- `event_tx.send(SseEvent::...)` 로 SSE 브로드캐스트
-
-### 3. 기존 엔드포인트 수정
-
-`/api/master-policies`, `/api/flight-policies` 엔드포인트를 직접 RPC 스캔 대신 **캐시에서 읽도록** 변경:
-
-```rust
-// 기존 (매 요청마다 RPC 스캔)
-let policies = scan_master_policies(&config).await?;
-
-// 변경 후 (캐시에서 읽기 + 필터)
-let policies = state.master_policies.read().await.clone();
-let filtered = if let Some(leader) = query.leader {
-    policies.into_iter().filter(|p| p.leader == leader).collect()
-} else {
-    policies
-};
-```
-
----
-
-## 프론트엔드 변경 사항
-
-### 제거 대상 (RPC 직접 호출)
-
-| 파일 | 현재 RPC 호출 | 대체 방법 |
-|---|---|---|
-| `hooks/useMasterPolicies.ts` | `program.account.masterPolicy.all(...)` | `GET /api/master-policies?leader=<pubkey>` |
-| `hooks/useMasterPolicyAccount.ts` | `program.account.masterPolicy.fetch(pda)` + `onAccountChange` | `GET /api/master-policies/:pubkey` + SSE |
-| `hooks/useFlightPolicies.ts` | `program.account.flightPolicy.all(...)` + `onAccountChange` per policy | `GET /api/flight-policies?master=<pubkey>` + SSE |
-
-### 유지 대상 (트랜잭션은 여전히 wallet 서명 필요)
-
-모든 write 훅(`useCreateMasterPolicy`, `useConfirmMaster`, `useActivateMaster`, `useCreateFlightPolicy`, `useResolveFlightDelay`, `useSettleFlight` 등)은 변경 없음.
-
-### SSE 연결 예시 (프론트)
-
-```typescript
-// src/hooks/useBackendEvents.ts
-export function useBackendEvents(masterPubkey?: string) {
-  const { syncMasterFromChain, syncFlightPoliciesFromChain } = useProtocolStore();
-
-  useEffect(() => {
-    const url = masterPubkey
-      ? `${BACKEND_URL}/api/events?master=${masterPubkey}`
-      : `${BACKEND_URL}/api/events`;
-
-    const es = new EventSource(url);
-
-    es.addEventListener('master_policy_updated', (e) => {
-      const data = JSON.parse(e.data);
-      syncMasterFromChain(data);
-    });
-
-    es.addEventListener('flight_policy_updated', (e) => {
-      const data = JSON.parse(e.data);
-      syncFlightPoliciesFromChain([data]);
-    });
-
-    return () => es.close();
-  }, [masterPubkey]);
-}
-```
-
----
-
-## 환경 변수 추가
-
-`.env.example`에 추가 필요:
-
-```env
-# 기존
-WEB_BIND_ADDR=0.0.0.0:8080
-
-# 신규
-CACHE_POLL_INTERVAL_SEC=5        # 캐시 갱신 주기 (초). 기본값: 5
-SSE_HEARTBEAT_INTERVAL_SEC=30    # SSE heartbeat 주기 (초). 기본값: 30
-```
-
----
-
-## API 응답 상태 코드 정리
-
-| 코드 | 상황 |
-|---|---|
-| `200` | 정상 |
-| `400` | 잘못된 파라미터 (e.g., base58 디코딩 실패) |
-| `404` | 단일 계정 조회 시 없음 |
-| `500` | RPC 오류 또는 파싱 실패 |
-
----
-
-## 구현 우선순위
-
-1. **Phase 1** (핵심): 캐시 + 기존 GET 엔드포인트 필터링 추가 → 프론트 `useMasterPolicies`, `useFlightPolicies` 교체
-2. **Phase 2** (실시간): SSE 엔드포인트 + `useBackendEvents` 훅 → `useMasterPolicyAccount`, `useFlightPolicies` onAccountChange 제거
-3. **Phase 3** (단일 조회): `/:pubkey` 엔드포인트 추가
diff --git a/docs/MASTER_POLICY_REDESIGN_PLAN_KO.md b/docs/MASTER_POLICY_REDESIGN_PLAN_KO.md
deleted file mode 100644
index b73722c..0000000
--- a/docs/MASTER_POLICY_REDESIGN_PLAN_KO.md
+++ /dev/null
@@ -1,244 +0,0 @@
-# 항공 지연 보험 구조 개편 계획 (마스터 계약 + 개별 계약)
-
-## 1) 목표
-
-기존 `항공편 1건 = 보험 1계약` 구조를 아래 2계약 구조로 변경한다.
-
-1. `마스터 계약(Master Contract)`
-- 기간(예: 2026-01-01 ~ 2026-12-31) 단위로 운영
-- 공통 약관/지분/출재율/수수료/승인 상태 관리
-- 개별 항공 지연 보험(Child Contract) 생성 팩토리 역할
-
-2. `개별 항공 지연 보험 계약(Child Flight Delay Contract)`
-- 실제 가입 건(항공편 + 가입자 + 보험료 + 보장) 관리
-- 청구 시 오라클 결과 기반 지급/부지급 처리
-- 정산 시 참여사/재보험사 pool에서 리더사 deposit으로 자동 집금
-
----
-
-## 2) 확정 비즈니스 규칙
-
-### 마스터 약관
-- 계약 기간: `2026-01-01` ~ `2026-12-31`
-- 보험료: 가입 건당 `1 USDC`
-- 지연 보상:
-1. 2시간대(2:00~2:59): `40 USDC`
-2. 3시간대(3:00~3:59): `60 USDC`
-3. 4~5시간대(4:00~5:59): `80 USDC`
-4. 6시간 이상 지연 또는 결항: `100 USDC`
-
-### 지분 및 출재
-- 원수사 내부 지분: 리더 50%, 참여사 A 30%, 참여사 B 20%
-- 원수사 그룹 ↔ 재보험사 기준 지분: 50% : 50%
-- 출재율: 각 원수사 지분의 50%를 재보험사로 출재
-- 출재 수수료(재보험 수수료): 10%
-- 수수료 규칙: 원수사가 재보험사로 넘기는 출재금에서 10% 공제 후 이전
-
-### 수수료 반영 결과(확정)
-- 재보험 실질 비율: 50%가 아니라 45%
-- 원수사 그룹 실질 비율: 55%
-- 위 실질 비율은 `Premium 분배`와 `Claim 정산` 모두 동일하게 적용
-
-### 승인(활성화) 플로우
-1. 리더사가 마스터 계약 생성 및 지분 정의
-2. 참여사 + 재보험사 컨펌
-3. Operator 최종 컨펌
-4. 마스터 계약 Active 전환
-
-Operator는 리더사 또는 OpenParametric 운영자 계정이 될 수 있다.
-
----
-
-## 3) 온체인 아키텍처 변경안
-
-## 3.1 신규 계정(마스터 계약)
-
-`MasterPolicy`
-- master_id
-- leader
-- operator
-- currency_mint (USDC)
-- coverage_start_ts / coverage_end_ts
-- premium_per_policy (=1 USDC)
-- payout_tiers (2h/3h/4-5h/6h+)
-- ceded_ratio_bps (=5000)
-- reins_commission_bps (=1000)
-- status (Draft / PendingConfirm / Active / Closed)
-- confirmation bitmap (leader/participants/reinsurer/operator)
-- leader_deposit_wallet (최종 집금/분배 기준 지갑)
-
-`MasterParticipants`
-- 원수사 참여사 목록 (leader, A, B)
-- 내부 지분 bps (5000/3000/2000)
-- insurer_pool_wallet (부담금 출금 지갑)
-- insurer_deposit_wallet (정산 유입 지갑, pool과 분리)
-
-`MasterReinsurance`
-- reinsurer
-- reinsurer_pool_wallet
-- reinsurer_deposit_wallet
-- cession rule, commission rule
-
-## 3.2 신규 계정(개별 계약)
-
-`FlightPolicy` (개별 항공 지연 보험)
-- child_policy_id
-- parent_master (MasterPolicy pubkey)
-- subscriber(가입자 식별자 또는 오프체인 ref hash)
-- flight_no / departure_ts / route(optional)
-- premium_paid (=1 USDC)
-- status (Issued / AwaitingOracle / Claimable / Paid / NoClaim / Expired)
-- oracle_ref / resolved_delay_min / cancellation_flag
-- payout_amount
-
-`FlightSettlement`
-- 청구/부지급 정산 결과 로그
-- 참여자별 부담액/분배액 스냅샷
-- 실행 tx 정보 및 재실행 방지 플래그
-
----
-
-## 4) 핵심 인스트럭션 설계
-
-## 4.1 마스터 계약
-1. `create_master_policy(...)`
-- 리더사가 기간형 마스터 계약 생성
-- 약관(보험료/지연 tier/지분/출재/수수료) + 지갑 주소 저장
-
-2. `register_participant_wallets(...)`
-- 각 보험사가 `pool_wallet` + `deposit_wallet` 등록
-- 모든 보험사는 리더사가 될 수 있으므로 등록 필수
-
-3. `confirm_master_share(role, actor)`
-- 참여사/재보험사가 각자 컨펌
-
-4. `operator_activate_master()`
-- Operator 최종 승인
-- 상태를 `Active` 전환
-
-5. `close_master_policy()`
-- 기간 종료 후 정리 상태 전환
-
-## 4.2 개별 항공 지연 보험
-1. `create_flight_policy_from_master(...)`
-- `MasterPolicy::Active`에서만 호출 가능
-- 생성 권한: `리더사 + Operator`
-
-2. `resolve_flight_delay(...)`
-- 오라클 데이터로 지연구간 판정
-- payout tier 계산
-
-3. `settle_claim_with_master_shares(...)`
-- 지급 케이스
-- 각 참여사/재보험사 pool에서 부담액을 출금해 `마스터 리더사 deposit_wallet`로 자동 집금
-
-4. `settle_no_claim_premium_distribution(...)`
-- 부지급 케이스
-- 보험료를 재보험사 몫/수수료까지 포함해 분배
-
----
-
-## 5) 정산 로직(확정 수식)
-
-기본 변수:
-- `P`: 개별 계약 보험료
-- `C`: 개별 계약 지급금
-- `s_i`: 원수사 내부 지분 (리더 0.5, A 0.3, B 0.2)
-- `q`: 출재율 (0.5)
-- `k`: 수수료율 (0.1)
-- `r_eff`: 재보험 실질 비율 = `q * (1-k)` = `0.45`
-- `i_eff`: 원수사 실질 비율 = `1 - r_eff` = `0.55`
-
-Premium 분배:
-- 재보험사 수익: `P * r_eff`
-- 원수사 i 수익: `P * i_eff * s_i`
-
-Claim 부담:
-- 재보험사 비용: `C * r_eff`
-- 원수사 i 비용: `C * i_eff * s_i`
-
-위 수식은 Claim 시점과 Premium 분배 시점에 동일하게 적용한다.
-
-예시(`P=1,000,000`, `C=500,000`):
-- Premium: 재보험 450,000 / 원수사 총 550,000
-- Claim: 재보험 225,000 / 원수사 총 275,000
-- 최종 이익:
-1. 리더 137,500
-2. 참여사 A 82,500
-3. 참여사 B 55,000
-4. 재보험 225,000
-
----
-
-## 6) 상태 머신 변경
-
-## 6.1 MasterPolicyStatus
-1. Draft
-2. PendingConfirm
-3. Active
-4. Closed
-5. Cancelled
-
-## 6.2 FlightPolicyStatus
-1. Issued
-2. AwaitingOracle
-3. Claimable
-4. Paid
-5. NoClaim
-6. Expired
-
----
-
-## 7) 권한/보안 규칙
-
-1. 마스터 생성/조건 수정: 리더사만 가능 (Active 이후 수정 불가)
-2. 컨펌: 각 참여사/재보험사 자기 계정만 가능
-3. 최종 활성화: Operator만 가능
-4. Child 생성: Master Active + 호출자 `리더사 또는 Operator`
-5. Claim 정산: 오라클 검증 + 중복정산 방지 플래그 필수
-6. 토큰 이체: PDA authority 고정, 임의 계정 이체 금지
-7. 모든 보험사 계정은 `pool_wallet`과 별도로 `deposit_wallet` 등록 필수
-
----
-
-## 8) 현재 코드베이스 기준 변경 포인트
-
-대상 프로그램: `contract/programs/open_parametric`
-
-주요 변경:
-1. `state.rs`
-- `MasterPolicy + FlightPolicy` 2계층 구조 추가
-- 참여사별 `pool/deposit wallet` 필드 추가
-- 정산 스냅샷(분배 결과) 저장 구조 추가
-
-2. `instructions/`
-- 신규: `create_master_policy.rs`
-- 신규: `register_participant_wallets.rs`
-- 신규: `confirm_master.rs`
-- 신규: `activate_master.rs`
-- 신규: `create_flight_policy_from_master.rs`
-- 신규: `resolve_flight_delay.rs`
-- 신규: `settle_flight_claim.rs`
-- 신규: `settle_flight_no_claim.rs`
-- 기존 단건 중심 플로우 인스트럭션은 단계적 대체
-
-3. `lib.rs`
-- 신규 인스트럭션 엔트리 추가
-- 기존 단건 플로우 엔트리 Deprecated 처리
-
-4. 테스트(`contract/tests/open_parametric.ts`)
-- 마스터 승인 플로우
-- Child 생성 권한(리더/Operator 허용, 기타 거부)
-- Claim 정산(45:55 실질 비율 반영) 검증
-- No Claim 보험료 분배(재보험 몫/수수료 포함) 검증
-- 중복 정산/권한 위반/잔액 부족 실패 케이스 검증
-
----
-
-## 9) 구현 순서 (코드 작업)
-
-1. 상태/에러/상수 확장
-2. 마스터 계약 생성/지갑 등록/컨펌/활성화
-3. Child 계약 생성 팩토리
-4. Claim/NoClaim 정산 로직 + 토큰 이체
-5. 회귀 테스트 + 문서 업데이트
diff --git a/docs/emotion-migration-handoff.md b/docs/emotion-migration-handoff.md
deleted file mode 100644
index b3301d0..0000000
--- a/docs/emotion-migration-handoff.md
+++ /dev/null
@@ -1,101 +0,0 @@
-# Emotion Migration Handoff
-
-> Date: 2026-02-24
-> Scope: Global CSS -> Emotion styled-components (Phase 0~4)
-> Status: **Complete** (all phases done, build passing)
-
----
-
-## 1. Migration Summary
-
-| Phase | 내용 | 파일 수 | 상태 |
-|-------|------|---------|------|
-| Phase 0 | Theme 인프라 (`theme.ts`, `emotion.d.ts`, `ThemeProvider`) | 3 | Done |
-| Phase 1 | Common 컴포넌트 (`Card`, `Button`, `Tag`, `Form`, `SummaryRow`, `Divider`, `Mono`) | 8 | Done |
-| Phase 2 | Header/Layout (16개 styled components + `blink` keyframes) | 1 | Done |
-| Phase 3 | Dashboard 컴포넌트 9개 (StateMachine, InstructionRunner, Participants, RiskPoolAccount, OracleConsole, RiskTokenToggle, EventLog, OnChainInspector, Dashboard page) | 9 | Done |
-| Phase 4 | `globalStyles.ts` 정리 (152줄 -> 32줄) | 1 | Done |
-
-**총 제거된 글로벌 CSS 클래스: ~120개**
-**`className=` 잔존 사용: 0건**
-
----
-
-## 2. 현재 아키텍처
-
-### globalStyles.ts (32줄, 유지 대상만 남음)
-- `:root` CSS 변수 (16개 컬러 토큰)
-- `*` reset, `html`, `body` 기본 스타일
-- `body::after` noise overlay
-- `::-webkit-scrollbar` 커스텀 스크롤바
-- `.sub` 유틸리티 클래스
-- `.wallet-adapter-button` 외부 라이브러리 오버라이드
-
-### Theme (src/styles/theme.ts)
-- `colors`, `glow`, `fonts`, `radii`, `spacing` 토큰
-- `as const` 타입 추론
-- `emotion.d.ts`로 `p.theme.colors.*` 타입 안전 접근
-
-### Common Components (src/components/common/)
-- `Card` (Card, CardHeader, CardTitle, CardBody)
-- `Button` (variant: primary/accent/outline/danger/warning, size: sm/md, fullWidth)
-- `Tag` (variant: default/subtle)
-- `Form` (FormGroup, FormLabel, FormInput, FormSelect, Row2)
-- `SummaryRow`, `Divider`, `Mono`
-
----
-
-## 3. Code Review Findings (CCG/Codex)
-
-### MEDIUM (3건) — 기능 개발 시 점진적 해결 권장
-
-#### M1. RiskTokenToggle 접근성 부재
-- **파일**: `src/components/dashboard/RiskTokenToggle.tsx:60`
-- **현상**: 토글이 정적 `<div>`로만 구현. 키보드/스크린리더 접근 불가
-- **권장**: `<button aria-pressed>` 또는 `<input type="checkbox" role="switch">` + `useState`로 교체
-- **시점**: Phase 2 기능 구현 시 (현재 "Phase 2 Preview" 라벨로 비활성 상태)
-
-#### M2. OnChainInspector 미사용 styled components
-- **파일**: `src/components/dashboard/OnChainInspector.tsx`
-- **현상**: `InspectorAccount`, `IaHeader`, `IaIcon`, `IaName`, `IaPda`, `IaField`, `IaKey`, `IaVal`, `PdaSeed`, `SeedChip` — 10개 컴포넌트가 정의만 되고 렌더 미사용 (placeholder)
-- **권장**: 온체인 데이터 연동 시 실제 렌더로 교체. 그 전까지는 현상 유지 가능
-- **시점**: 온체인 계정 조회 기능 구현 시
-
-#### M3. Theme 토큰 vs CSS 변수 혼재
-- **파일**: `StateMachine.tsx`, `InstructionRunner.tsx`, `Participants.tsx`, `Form.tsx` 등
-- **현상**: 일부 컴포넌트는 `p.theme.colors.border` 사용, 일부는 `var(--border)` 직접 사용
-- **권장**: 점진적으로 `theme.colors.*`로 통일. 우선순위 낮음 — 둘 다 동일 값을 참조하므로 기능상 문제 없음
-- **시점**: 각 컴포넌트 수정 시 기회적으로 교체
-
-### LOW (3건) — 정리 시 함께 처리
-
-| # | 파일 | 이슈 | 권장 |
-|---|------|------|------|
-| L1 | `globalStyles.ts:24` | `.sub` 클래스 잔존, 사용처 없음 | 삭제 |
-| L2 | `Form.tsx` | `FormSelect`, `Row2` export되나 미사용 | 사용 시까지 유지 또는 삭제 |
-| L3 | `EventLog.tsx` | 내부 styled components 불필요 export | export 제거 |
-
----
-
-## 4. Build Verification
-
-```
-TypeScript: 0 errors (npx tsc -b --noEmit)
-Vite Build:  success (5.94s)
-  - index.css    4.86 kB (gzip 1.36 kB)
-  - index.js    17.67 kB (gzip 5.51 kB)
-  - index.js    34.38 kB (gzip 7.82 kB)
-  - index.js   748.36 kB (gzip 233.15 kB) ← Solana deps, chunk split 권장
-```
-
----
-
-## 5. 후속 작업 체크리스트
-
-- [ ] M1: RiskTokenToggle에 실제 toggle 인터랙션 + 접근성 추가
-- [ ] M2: OnChainInspector에 실제 온체인 계정 데이터 렌더링
-- [ ] M3: `var(--*)` -> `theme.colors.*` 점진 통일 (기회적)
-- [ ] L1: `.sub` 글로벌 클래스 삭제
-- [ ] L2/L3: 미사용 export 정리
-- [ ] Vite chunk splitting (manualChunks로 Solana 의존성 분리)
-- [ ] InstructionRunner 미사용 변수 정리 (StepChecks, CheckItem)