diff --git a/src/analytics/analytics.module.ts b/src/analytics/analytics.module.ts
index 40c6ad3..c0e875b 100644
--- a/src/analytics/analytics.module.ts
+++ b/src/analytics/analytics.module.ts
@@ -1,11 +1,11 @@
 import { Module } from '@nestjs/common';
 import { TypeOrmModule } from '@nestjs/typeorm';
-import { Bounty, Issue, Repository } from '../common/entities';
+import { Bounty, Issue, Payment, Repository } from '../common/entities';
 import { AnalyticsService } from './analytics.service';
 import { AnalyticsController } from './analytics.controller';
 
 @Module({
-  imports: [TypeOrmModule.forFeature([Bounty, Issue, Repository])],
+  imports: [TypeOrmModule.forFeature([Bounty, Issue, Payment, Repository])],
   controllers: [AnalyticsController],
   providers: [AnalyticsService],
   exports: [AnalyticsService],
diff --git a/src/analytics/analytics.service.spec.ts b/src/analytics/analytics.service.spec.ts
new file mode 100644
index 0000000..cadf3ed
--- /dev/null
+++ b/src/analytics/analytics.service.spec.ts
@@ -0,0 +1,82 @@
+import { Test, TestingModule } from '@nestjs/testing';
+import { getRepositoryToken } from '@nestjs/typeorm';
+import { AnalyticsService } from './analytics.service';
+import { Bounty, Issue, Payment, Repository as RepositoryEntity } from '../common/entities';
+import { BountyStatus, PaymentStatus } from '../common/enums';
+
+function createMockQueryBuilder(result: { raw?: unknown; many?: unknown[] }) {
+  const qb = {
+    select: jest.fn().mockReturnThis(),
+    addSelect: jest.fn().mockReturnThis(),
+    where: jest.fn().mockReturnThis(),
+    andWhere: jest.fn().mockReturnThis(),
+    innerJoin: jest.fn().mockReturnThis(),
+    groupBy: jest.fn().mockReturnThis(),
+    orderBy: jest.fn().mockReturnThis(),
+    take: jest.fn().mockReturnThis(),
+    getRawOne: jest.fn().mockResolvedValue(result.raw),
+    getRawMany: jest.fn().mockResolvedValue(result.many ?? []),
+    getMany: jest.fn().mockResolvedValue(result.many ?? []),
+  };
+  return qb;
+}
+
+describe('AnalyticsService', () => {
+  let service: AnalyticsService;
+  let bountyRepo: { find: jest.Mock; count: jest.Mock; createQueryBuilder: jest.Mock };
+  let issueRepo: { find: jest.Mock };
+  let paymentRepo: { createQueryBuilder: jest.Mock };
+  let repositoryRepo: { count: jest.Mock };
+
+  beforeEach(async () => {
+    bountyRepo = { find: jest.fn().mockResolvedValue([]), count: jest.fn(), createQueryBuilder: jest.fn() };
+    issueRepo = { find: jest.fn().mockResolvedValue([]) };
+    paymentRepo = { createQueryBuilder: jest.fn() };
+    repositoryRepo = { count: jest.fn() };
+
+    const module: TestingModule = await Test.createTestingModule({
+      providers: [
+        AnalyticsService,
+        { provide: getRepositoryToken(Bounty), useValue: bountyRepo },
+        { provide: getRepositoryToken(Issue), useValue: issueRepo },
+        { provide: getRepositoryToken(Payment), useValue: paymentRepo },
+        { provide: getRepositoryToken(RepositoryEntity), useValue: repositoryRepo },
+      ],
+    }).compile();
+
+    service = module.get(AnalyticsService);
+  });
+
+  describe('forContributor', () => {
+    it('computes lifetimeEarnings and topClients from confirmed payments ledger', async () => {
+      bountyRepo.find.mockResolvedValue([
+        {
+          id: 'b-1',
+          claimedById: 'user-1',
+          amount: '1000.0000000',
+          status: BountyStatus.PAID,
+          claimedAt: new Date('2026-01-01T00:00:00Z'),
+          mergedAt: new Date('2026-01-01T02:00:00Z'),
+          paidAt: new Date('2026-01-01T02:30:00Z'),
+          issueId: 'issue-1',
+          sponsorId: 'sponsor-1',
+        },
+      ]);
+      issueRepo.find.mockResolvedValue([]);
+
+      const earningsQb = createMockQueryBuilder({ raw: { total: '200.0000000' } });
+      const clientsQb = createMockQueryBuilder({
+        many: [{ sponsorId: 'sponsor-1', totalPaid: '200.0000000' }],
+      });
+
+      paymentRepo.createQueryBuilder
+        .mockReturnValueOnce(earningsQb)
+        .mockReturnValueOnce(clientsQb);
+
+      const result = await service.forContributor('user-1');
+
+      expect(result.lifetimeEarnings).toBe(200);
+      expect(result.topClients).toEqual([{ sponsorId: 'sponsor-1', totalPaid: 200 }]);
+    });
+  });
+});
diff --git a/src/analytics/analytics.service.ts b/src/analytics/analytics.service.ts
index 427c778..3f06143 100644
--- a/src/analytics/analytics.service.ts
+++ b/src/analytics/analytics.service.ts
@@ -4,9 +4,11 @@ import { Repository } from 'typeorm';
 import {
   Bounty,
   Issue,
+  Payment,
   Repository as RepositoryEntity,
 } from '../common/entities';
-import { BountyStatus } from '../common/enums';
+import { BountyStatus, PaymentStatus } from '../common/enums';
+import { computeContributorTotalEarnings } from '../reputation/contributor-earnings.util';
 
 export interface ContributorAnalytics {
   lifetimeEarnings: number;
@@ -24,6 +26,7 @@ export class AnalyticsService {
   constructor(
     @InjectRepository(Bounty) private readonly bountyRepo: Repository<Bounty>,
     @InjectRepository(Issue) private readonly issueRepo: Repository<Issue>,
+    @InjectRepository(Payment) private readonly paymentRepo: Repository<Payment>,
     @InjectRepository(RepositoryEntity)
     private readonly repositoryRepo: Repository<RepositoryEntity>,
   ) {}
@@ -37,7 +40,10 @@ export class AnalyticsService {
       [BountyStatus.MERGED, BountyStatus.PAID].includes(b.status),
     );
 
-    const lifetimeEarnings = paid.reduce((sum, b) => sum + Number(b.amount), 0);
+    const lifetimeEarnings = await computeContributorTotalEarnings(
+      this.paymentRepo,
+      userId,
+    );
     const mergeRate =
       claimed.length > 0 ? (merged.length / claimed.length) * 100 : 0;
 
@@ -75,16 +81,23 @@ export class AnalyticsService {
       .sort(([a], [b]) => a.localeCompare(b))
       .map(([date, count]) => ({ date, count }));
 
-    const clientTotals = new Map<string, number>();
-    for (const bounty of paid) {
-      if (!bounty.sponsorId) continue;
-      clientTotals.set(
-        bounty.sponsorId,
-        (clientTotals.get(bounty.sponsorId) ?? 0) + Number(bounty.amount),
-      );
-    }
-    const topClients = [...clientTotals.entries()]
-      .map(([sponsorId, totalPaid]) => ({ sponsorId, totalPaid }))
+    // Compute topClients by summing actual confirmed payments to this contributor by sponsor
+    const clientPayments = await this.paymentRepo
+      .createQueryBuilder('payment')
+      .innerJoin('payment.escrow', 'escrow')
+      .select('escrow.sponsorId', 'sponsorId')
+      .addSelect('COALESCE(SUM(payment.amount), 0)', 'totalPaid')
+      .where('payment.recipientId = :userId', { userId })
+      .andWhere('payment.status = :status', { status: PaymentStatus.CONFIRMED })
+      .andWhere('escrow.sponsorId IS NOT NULL')
+      .groupBy('escrow.sponsorId')
+      .getRawMany<{ sponsorId: string; totalPaid: string }>();
+
+    const topClients = clientPayments
+      .map((row) => ({
+        sponsorId: row.sponsorId,
+        totalPaid: Number(row.totalPaid),
+      }))
       .sort((a, b) => b.totalPaid - a.totalPaid)
       .slice(0, 10);
 
diff --git a/src/reputation/contributor-earnings.util.ts b/src/reputation/contributor-earnings.util.ts
new file mode 100644
index 0000000..4082a72
--- /dev/null
+++ b/src/reputation/contributor-earnings.util.ts
@@ -0,0 +1,24 @@
+import { Repository } from 'typeorm';
+import { Payment } from '../common/entities';
+import { PaymentStatus } from '../common/enums';
+
+/**
+ * Computes a contributor's total lifetime earnings from confirmed Payment
+ * ledger rows, ensuring team splits and individual payouts reflect the actual
+ * funds received rather than full Bounty face values.
+ */
+export async function computeContributorTotalEarnings(
+  paymentRepo: Repository<Payment>,
+  recipientId: string,
+): Promise<number> {
+  const row = await paymentRepo
+    .createQueryBuilder('payment')
+    .select('COALESCE(SUM(payment.amount), 0)', 'total')
+    .where('payment.recipientId = :recipientId', { recipientId })
+    .andWhere('payment.status = :status', {
+      status: PaymentStatus.CONFIRMED,
+    })
+    .getRawOne<{ total: string }>();
+
+  return Number(row?.total ?? 0);
+}
diff --git a/src/reputation/reputation.module.ts b/src/reputation/reputation.module.ts
index c43c986..ae79475 100644
--- a/src/reputation/reputation.module.ts
+++ b/src/reputation/reputation.module.ts
@@ -1,11 +1,13 @@
 import { Module } from '@nestjs/common';
 import { TypeOrmModule } from '@nestjs/typeorm';
-import { Bounty, Issue, ReputationSnapshot } from '../common/entities';
+import { Bounty, Issue, Payment, ReputationSnapshot } from '../common/entities';
 import { ReputationService } from './reputation.service';
 import { ReputationController } from './reputation.controller';
 
 @Module({
-  imports: [TypeOrmModule.forFeature([Bounty, Issue, ReputationSnapshot])],
+  imports: [
+    TypeOrmModule.forFeature([Bounty, Issue, Payment, ReputationSnapshot]),
+  ],
   controllers: [ReputationController],
   providers: [ReputationService],
   exports: [ReputationService],
diff --git a/src/reputation/reputation.service.spec.ts b/src/reputation/reputation.service.spec.ts
new file mode 100644
index 0000000..f30a1f9
--- /dev/null
+++ b/src/reputation/reputation.service.spec.ts
@@ -0,0 +1,97 @@
+import { Test, TestingModule } from '@nestjs/testing';
+import { getRepositoryToken } from '@nestjs/typeorm';
+import { ReputationService } from './reputation.service';
+import { Bounty, Issue, Payment, ReputationSnapshot } from '../common/entities';
+import { BountyStatus, PaymentStatus } from '../common/enums';
+
+function createMockQueryBuilder(result: { raw?: unknown; many?: unknown[] }) {
+  const qb = {
+    select: jest.fn().mockReturnThis(),
+    where: jest.fn().mockReturnThis(),
+    andWhere: jest.fn().mockReturnThis(),
+    innerJoin: jest.fn().mockReturnThis(),
+    groupBy: jest.fn().mockReturnThis(),
+    addSelect: jest.fn().mockReturnThis(),
+    orderBy: jest.fn().mockReturnThis(),
+    take: jest.fn().mockReturnThis(),
+    getRawOne: jest.fn().mockResolvedValue(result.raw),
+    getRawMany: jest.fn().mockResolvedValue(result.many ?? []),
+    getMany: jest.fn().mockResolvedValue(result.many ?? []),
+  };
+  return qb;
+}
+
+describe('ReputationService', () => {
+  let service: ReputationService;
+  let bountyRepo: { find: jest.Mock };
+  let issueRepo: { find: jest.Mock };
+  let paymentRepo: { createQueryBuilder: jest.Mock };
+  let snapshotRepo: { create: jest.Mock; save: jest.Mock; findOne: jest.Mock; find: jest.Mock };
+
+  beforeEach(async () => {
+    bountyRepo = { find: jest.fn().mockResolvedValue([]) };
+    issueRepo = { find: jest.fn().mockResolvedValue([]) };
+    paymentRepo = { createQueryBuilder: jest.fn() };
+    snapshotRepo = {
+      create: jest.fn((d) => d),
+      save: jest.fn((s) => Promise.resolve({ id: 'snap-1', ...s })),
+      findOne: jest.fn(),
+      find: jest.fn(),
+    };
+
+    const module: TestingModule = await Test.createTestingModule({
+      providers: [
+        ReputationService,
+        { provide: getRepositoryToken(Bounty), useValue: bountyRepo },
+        { provide: getRepositoryToken(Issue), useValue: issueRepo },
+        { provide: getRepositoryToken(Payment), useValue: paymentRepo },
+        { provide: getRepositoryToken(ReputationSnapshot), useValue: snapshotRepo },
+      ],
+    }).compile();
+
+    service = module.get(ReputationService);
+  });
+
+  describe('computeAndSave', () => {
+    it('computes totalEarnings from confirmed payments rather than full Bounty.amount for team splits', async () => {
+      // Bounty was for $1000, but user received a 20% split ($200)
+      bountyRepo.find.mockResolvedValue([
+        {
+          id: 'b-1',
+          claimedById: 'user-1',
+          amount: '1000.0000000',
+          status: BountyStatus.PAID,
+          claimedAt: new Date('2026-01-01T00:00:00Z'),
+          mergedAt: new Date('2026-01-01T02:00:00Z'),
+          issueId: 'issue-1',
+        },
+      ]);
+      issueRepo.find.mockResolvedValue([]);
+
+      const qb = createMockQueryBuilder({ raw: { total: '200.0000000' } });
+      paymentRepo.createQueryBuilder.mockReturnValue(qb);
+
+      const snapshot = await service.computeAndSave('user-1');
+
+      expect(paymentRepo.createQueryBuilder).toHaveBeenCalledWith('payment');
+      expect(qb.where).toHaveBeenCalledWith('payment.recipientId = :recipientId', {
+        recipientId: 'user-1',
+      });
+      expect(qb.andWhere).toHaveBeenCalledWith('payment.status = :status', {
+        status: PaymentStatus.CONFIRMED,
+      });
+      expect(snapshot.totalEarnings).toBe('200.0000000');
+    });
+
+    it('handles zero confirmed payments correctly', async () => {
+      bountyRepo.find.mockResolvedValue([]);
+      issueRepo.find.mockResolvedValue([]);
+
+      const qb = createMockQueryBuilder({ raw: undefined });
+      paymentRepo.createQueryBuilder.mockReturnValue(qb);
+
+      const snapshot = await service.computeAndSave('user-1');
+      expect(snapshot.totalEarnings).toBe('0.0000000');
+    });
+  });
+});
diff --git a/src/reputation/reputation.service.ts b/src/reputation/reputation.service.ts
index 0404858..a8c7096 100644
--- a/src/reputation/reputation.service.ts
+++ b/src/reputation/reputation.service.ts
@@ -1,14 +1,16 @@
 import { Injectable } from '@nestjs/common';
 import { InjectRepository } from '@nestjs/typeorm';
 import { Repository } from 'typeorm';
-import { Bounty, Issue, ReputationSnapshot } from '../common/entities';
+import { Bounty, Issue, Payment, ReputationSnapshot } from '../common/entities';
 import { BountyStatus } from '../common/enums';
+import { computeContributorTotalEarnings } from './contributor-earnings.util';
 
 @Injectable()
 export class ReputationService {
   constructor(
     @InjectRepository(Bounty) private readonly bountyRepo: Repository<Bounty>,
     @InjectRepository(Issue) private readonly issueRepo: Repository<Issue>,
+    @InjectRepository(Payment) private readonly paymentRepo: Repository<Payment>,
     @InjectRepository(ReputationSnapshot)
     private readonly snapshotRepo: Repository<ReputationSnapshot>,
   ) {}
@@ -16,6 +18,9 @@ export class ReputationService {
   /**
    * Recomputes a contributor's reputation stats from their historical bounty
    * activity and appends a new snapshot row.
+   *
+   * Lifetime earnings are summed from confirmed Payment ledger rows rather than
+   * full Bounty.amount values, ensuring split-team payouts are accurately reflected.
    */
   async computeAndSave(userId: string): Promise<ReputationSnapshot> {
     const claimedBounties = await this.bountyRepo.find({
@@ -24,9 +29,12 @@ export class ReputationService {
     const merged = claimedBounties.filter((b) =>
       [BountyStatus.MERGED, BountyStatus.PAID].includes(b.status),
     );
-    const paid = claimedBounties.filter((b) => b.status === BountyStatus.PAID);
 
-    const totalEarnings = paid.reduce((sum, b) => sum + Number(b.amount), 0);
+    const totalEarnings = await computeContributorTotalEarnings(
+      this.paymentRepo,
+      userId,
+    );
+
     const completionRate =
       claimedBounties.length > 0
         ? (merged.length / claimedBounties.length) * 100