diff --git a/apps/api/src/index.ts b/apps/api/src/index.ts
index 43ce4e0..b54a1eb 100644
--- a/apps/api/src/index.ts
+++ b/apps/api/src/index.ts
@@ -36,6 +36,8 @@ import { bondAnnotationsRouter } from './routes/bond-annotations.js';
 import { slaRouter } from './routes/sla.js';
 import { developerRouter } from './routes/developer.js';
 import { onboardingRouter } from './routes/onboarding.js';
+import { npsRouter } from './routes/nps.js';
+import { reportTemplatesRouter } from './routes/report-templates.js';
 import { apiKeyUsageMeter } from './services/api-key-usage.js';
 import { startApiKeyUsagePruneScheduler } from './jobs/prune-api-key-usage.js';
 import { startOnboardingDripScheduler } from './services/onboarding-drip.js';
@@ -336,6 +338,8 @@ app.use('/bond-annotations', bondAnnotationsRouter);
 app.use('/sla', slaRouter);
 app.use('/developer', developerRouter);
 app.use('/onboarding', onboardingRouter);
+app.use('/nps', npsRouter);
+app.use('/report-templates', reportTemplatesRouter);
 app.use('/api/v1/regulatory', regulatoryRouter);
 app.use('/bonds', bondWebhookRouter); // unauthenticated DocuSign webhook
 app.use('/api', bondSignaturesRouter); // authenticated bond signature routes
diff --git a/apps/api/src/migrations/0010_nps_survey_and_report_templates.ts b/apps/api/src/migrations/0010_nps_survey_and_report_templates.ts
new file mode 100644
index 0000000..e04906f
--- /dev/null
+++ b/apps/api/src/migrations/0010_nps_survey_and_report_templates.ts
@@ -0,0 +1,44 @@
+import type { PoolClient } from 'pg';
+
+export const up = async (client: PoolClient): Promise<void> => {
+  // ── #1035: In-App NPS/Feedback Survey ─────────────────────────────────────
+  await client.query(`
+    CREATE TABLE IF NOT EXISTS nps_survey_prompts (
+      user_id UUID PRIMARY KEY REFERENCES users(id) ON DELETE CASCADE,
+      last_shown_at TIMESTAMPTZ NOT NULL DEFAULT now(),
+      last_dismissed_at TIMESTAMPTZ,
+      last_responded_at TIMESTAMPTZ
+    );
+
+    CREATE TABLE IF NOT EXISTS nps_survey_responses (
+      id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+      user_id UUID NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+      score SMALLINT NOT NULL CHECK (score BETWEEN 0 AND 10),
+      comment TEXT,
+      created_at TIMESTAMPTZ NOT NULL DEFAULT now()
+    );
+
+    CREATE INDEX IF NOT EXISTS idx_nps_survey_responses_created_at
+      ON nps_survey_responses(created_at DESC);
+  `);
+
+  // ── #1032: Customizable Branded PDF Export Templates ──────────────────────
+  await client.query(`
+    CREATE TABLE IF NOT EXISTS report_templates (
+      surety_id UUID PRIMARY KEY REFERENCES users(id) ON DELETE CASCADE,
+      logo_url TEXT,
+      header_text TEXT,
+      footer_text TEXT,
+      updated_at TIMESTAMPTZ NOT NULL DEFAULT now(),
+      created_at TIMESTAMPTZ NOT NULL DEFAULT now()
+    );
+  `);
+};
+
+export const down = async (client: PoolClient): Promise<void> => {
+  await client.query(`
+    DROP TABLE IF EXISTS nps_survey_responses CASCADE;
+    DROP TABLE IF EXISTS nps_survey_prompts CASCADE;
+    DROP TABLE IF EXISTS report_templates CASCADE;
+  `);
+};
diff --git a/apps/api/src/routes/compliance.ts b/apps/api/src/routes/compliance.ts
index d3722fd..27c4e22 100644
--- a/apps/api/src/routes/compliance.ts
+++ b/apps/api/src/routes/compliance.ts
@@ -8,6 +8,7 @@ import {
   tosReacceptanceGate,
   type AuthedRequest,
 } from '../auth.js';
+import { getReportTemplate } from './report-templates.js';
 
 export const complianceRouter = Router();
 complianceRouter.use(authMiddleware);
@@ -301,5 +302,9 @@ complianceRouter.get('/reports/:id/download', async (req: Request, res: Response
   const key: string = reportRow.pdf_s3_key;
   // In production, generate a pre-signed S3 GetObject URL here.
   const url = `/dev/reports/${key}`;
-  res.json({ url, expiresInSeconds: 900 });
+  // #1032: the tenant's branded export template — the PDF renderer applies
+  // logo/header/footer from this when generating the file at `key`; it does
+  // not change the underlying report data the PDF is built from.
+  const reportTemplate = await getReportTemplate(user.id);
+  res.json({ url, expiresInSeconds: 900, reportTemplate });
 });
diff --git a/apps/api/src/routes/nps.ts b/apps/api/src/routes/nps.ts
new file mode 100644
index 0000000..fff87cf
--- /dev/null
+++ b/apps/api/src/routes/nps.ts
@@ -0,0 +1,123 @@
+import { Router, type Request, type Response } from 'express';
+import { z } from 'zod';
+import { pool } from '../db.js';
+import {
+  authMiddleware,
+  requireRole,
+  privacyReacceptanceGate,
+  tosReacceptanceGate,
+  type AuthedRequest,
+} from '../auth.js';
+
+// Issue #1035 — in-app NPS/feedback survey: prompt cadence, response
+// collection, and the admin aggregate trend.
+export const npsRouter = Router();
+npsRouter.use(authMiddleware);
+npsRouter.use(privacyReacceptanceGate);
+npsRouter.use(tosReacceptanceGate);
+
+// Minimum days between survey prompts for a given user. Configurable so the
+// cadence can be tuned without a code change.
+const PROMPT_CADENCE_DAYS = Math.max(1, Number(process.env.NPS_SURVEY_CADENCE_DAYS ?? '30'));
+
+npsRouter.get('/prompt-status', async (req: Request, res: Response) => {
+  const user = (req as AuthedRequest).user;
+
+  const row = await pool.query<{ last_shown_at: string }>(
+    `SELECT last_shown_at FROM nps_survey_prompts WHERE user_id = $1`,
+    [user.id]
+  );
+
+  if (row.rowCount === 0) {
+    res.json({ shouldShow: true, cadenceDays: PROMPT_CADENCE_DAYS, lastShownAt: null });
+    return;
+  }
+
+  const lastShownAt = new Date(row.rows[0]!.last_shown_at);
+  const dueAt = new Date(lastShownAt.getTime() + PROMPT_CADENCE_DAYS * 24 * 60 * 60 * 1000);
+  res.json({
+    shouldShow: dueAt.getTime() <= Date.now(),
+    cadenceDays: PROMPT_CADENCE_DAYS,
+    lastShownAt: lastShownAt.toISOString(),
+  });
+});
+
+npsRouter.post('/dismiss', async (req: Request, res: Response) => {
+  const user = (req as AuthedRequest).user;
+  await pool.query(
+    `INSERT INTO nps_survey_prompts (user_id, last_shown_at, last_dismissed_at)
+     VALUES ($1, now(), now())
+     ON CONFLICT (user_id) DO UPDATE SET last_shown_at = now(), last_dismissed_at = now()`,
+    [user.id]
+  );
+  res.json({ success: true });
+});
+
+const RespondSchema = z.object({
+  score: z.number().int().min(0).max(10),
+  comment: z.string().max(2000).optional(),
+});
+
+npsRouter.post('/respond', async (req: Request, res: Response) => {
+  const user = (req as AuthedRequest).user;
+
+  const parse = RespondSchema.safeParse(req.body);
+  if (!parse.success) {
+    res.status(400).json({ error: 'score (0-10) is required, comment is optional' });
+    return;
+  }
+
+  const { score, comment } = parse.data;
+
+  await pool.query(
+    `INSERT INTO nps_survey_responses (user_id, score, comment) VALUES ($1, $2, $3)`,
+    [user.id, score, comment ?? null]
+  );
+  await pool.query(
+    `INSERT INTO nps_survey_prompts (user_id, last_shown_at, last_responded_at)
+     VALUES ($1, now(), now())
+     ON CONFLICT (user_id) DO UPDATE SET last_shown_at = now(), last_responded_at = now()`,
+    [user.id]
+  );
+
+  res.status(201).json({ success: true });
+});
+
+// GET /nps/admin/trend — weekly NPS trend (promoters% - detractors%) for the admin dashboard.
+npsRouter.get('/admin/trend', requireRole('surety_admin'), async (_req: Request, res: Response) => {
+  const rows = await pool.query<{
+    week_start: string;
+    promoters: string;
+    passives: string;
+    detractors: string;
+    total: string;
+  }>(
+    `SELECT
+       date_trunc('week', created_at)::date AS week_start,
+       COUNT(*) FILTER (WHERE score >= 9)::text AS promoters,
+       COUNT(*) FILTER (WHERE score BETWEEN 7 AND 8)::text AS passives,
+       COUNT(*) FILTER (WHERE score <= 6)::text AS detractors,
+       COUNT(*)::text AS total
+     FROM nps_survey_responses
+     WHERE created_at >= now() - INTERVAL '26 weeks'
+     GROUP BY 1
+     ORDER BY 1 ASC`
+  );
+
+  const trend = rows.rows.map((r) => {
+    const total = parseInt(r.total, 10);
+    const promoters = parseInt(r.promoters, 10);
+    const detractors = parseInt(r.detractors, 10);
+    const nps = total === 0 ? 0 : Math.round(((promoters - detractors) / total) * 100);
+    return {
+      weekStart: r.week_start,
+      promoters,
+      passives: parseInt(r.passives, 10),
+      detractors,
+      total,
+      nps,
+    };
+  });
+
+  res.json({ trend });
+});
diff --git a/apps/api/src/routes/regulatory.ts b/apps/api/src/routes/regulatory.ts
index 25a9bd7..7aaba6f 100644
--- a/apps/api/src/routes/regulatory.ts
+++ b/apps/api/src/routes/regulatory.ts
@@ -9,6 +9,7 @@ import {
   tosReacceptanceGate,
   type AuthedRequest,
 } from '../auth.js';
+import { getReportTemplate, type ReportTemplate } from './report-templates.js';
 
 const logger = pino({ name: 'regulatory-report' });
 
@@ -96,6 +97,12 @@ regulatoryRouter.get('/state-report/:state_code', async (req: Request, res: Resp
     return;
   }
 
+  // #1032: branded export template (logo/header/footer) for this surety, applied
+  // to the underlying report data below — fetched fresh on every request (not
+  // cached alongside the report data) so a template edit is reflected
+  // immediately even while the report cache entry is still warm.
+  const template = await getReportTemplate(user.id);
+
   // 3. Cache lookup
   const cacheKey = `${stateCode}:${user.id}:${startDate.getTime()}:${endDate.getTime()}:${format}`;
   const cachedData = getCached(cacheKey);
@@ -108,9 +115,9 @@ regulatoryRouter.get('/state-report/:state_code', async (req: Request, res: Resp
         'Content-Disposition',
         `attachment; filename="regulatory_report_${stateCode}.csv"`
       );
-      res.send(cachedData);
+      res.send(applyCsvTemplate(cachedData, template));
     } else {
-      res.json(cachedData);
+      res.json({ ...cachedData, reportTemplate: template });
     }
     return;
   }
@@ -230,7 +237,7 @@ regulatoryRouter.get('/state-report/:state_code', async (req: Request, res: Resp
     'Compliance report generated for regulator'
   );
 
-  // 7. Write to cache and send response
+  // 7. Write to cache (raw, un-templated) and send response
   setCache(cacheKey, responseData);
   res.setHeader('X-Cache', 'MISS');
 
@@ -240,8 +247,21 @@ regulatoryRouter.get('/state-report/:state_code', async (req: Request, res: Resp
       'Content-Disposition',
       `attachment; filename="regulatory_report_${stateCode}.csv"`
     );
-    res.send(responseData);
+    res.send(applyCsvTemplate(responseData, template));
   } else {
-    res.json(responseData);
+    res.json({ ...responseData, reportTemplate: template });
   }
 });
+
+// #1032: wraps the CSV data rows with the tenant's configured header/footer
+// text as leading/trailing comment lines. The data rows themselves — and
+// their column order — are untouched, so this is safe for automated CSV
+// ingestion that skips '#'-prefixed lines and purely cosmetic for a human
+// opening the file directly.
+function applyCsvTemplate(csvData: string, template: ReportTemplate): string {
+  const lines: string[] = [];
+  if (template.headerText) lines.push(`# ${template.headerText}`);
+  lines.push(csvData.trimEnd());
+  if (template.footerText) lines.push(`# ${template.footerText}`);
+  return lines.join('\r\n') + '\r\n';
+}
diff --git a/apps/api/src/routes/report-templates.ts b/apps/api/src/routes/report-templates.ts
new file mode 100644
index 0000000..69ceffe
--- /dev/null
+++ b/apps/api/src/routes/report-templates.ts
@@ -0,0 +1,92 @@
+import { Router, type Request, type Response } from 'express';
+import { z } from 'zod';
+import { pool } from '../db.js';
+import {
+  authMiddleware,
+  requireRole,
+  privacyReacceptanceGate,
+  tosReacceptanceGate,
+  type AuthedRequest,
+} from '../auth.js';
+
+// Issue #1032 — per-tenant branded report export templates, applied to the
+// regulatory state-report and compliance report downloads. Template changes
+// only affect presentation metadata (logo/header/footer) attached to an
+// export — the underlying report data is computed identically either way.
+export const reportTemplatesRouter = Router();
+reportTemplatesRouter.use(authMiddleware);
+reportTemplatesRouter.use(privacyReacceptanceGate);
+reportTemplatesRouter.use(tosReacceptanceGate);
+reportTemplatesRouter.use(requireRole('surety_admin'));
+
+export interface ReportTemplate {
+  logoUrl: string | null;
+  headerText: string | null;
+  footerText: string | null;
+}
+
+export const DEFAULT_REPORT_TEMPLATE: ReportTemplate = {
+  logoUrl: null,
+  headerText: 'TariffShield Compliance Report',
+  footerText: 'Generated by TariffShield — confidential, for regulatory use only.',
+};
+
+interface ReportTemplateRow {
+  logo_url: string | null;
+  header_text: string | null;
+  footer_text: string | null;
+}
+
+export async function getReportTemplate(suretyId: string): Promise<ReportTemplate> {
+  const row = await pool.query<ReportTemplateRow>(
+    `SELECT logo_url, header_text, footer_text FROM report_templates WHERE surety_id = $1`,
+    [suretyId]
+  );
+  if (row.rowCount === 0) return DEFAULT_REPORT_TEMPLATE;
+  const r = row.rows[0]!;
+  return {
+    logoUrl: r.logo_url ?? DEFAULT_REPORT_TEMPLATE.logoUrl,
+    headerText: r.header_text ?? DEFAULT_REPORT_TEMPLATE.headerText,
+    footerText: r.footer_text ?? DEFAULT_REPORT_TEMPLATE.footerText,
+  };
+}
+
+const TemplateSchema = z.object({
+  logoUrl: z.string().url().max(2000).nullable().optional(),
+  headerText: z.string().max(200).nullable().optional(),
+  footerText: z.string().max(400).nullable().optional(),
+});
+
+// GET /report-templates — current tenant's saved template, falling back to the default.
+reportTemplatesRouter.get('/', async (req: Request, res: Response) => {
+  const user = (req as AuthedRequest).user;
+  const template = await getReportTemplate(user.id);
+  res.json({ template, isDefault: template === DEFAULT_REPORT_TEMPLATE });
+});
+
+// PUT /report-templates — upsert the tenant's template.
+reportTemplatesRouter.put('/', async (req: Request, res: Response) => {
+  const user = (req as AuthedRequest).user;
+
+  const parse = TemplateSchema.safeParse(req.body);
+  if (!parse.success) {
+    res.status(400).json({ error: 'invalid template fields', details: parse.error.issues });
+    return;
+  }
+
+  const { logoUrl, headerText, footerText } = parse.data;
+
+  const result = await pool.query(
+    `INSERT INTO report_templates (surety_id, logo_url, header_text, footer_text)
+     VALUES ($1, $2, $3, $4)
+     ON CONFLICT (surety_id) DO UPDATE
+       SET logo_url = $2, header_text = $3, footer_text = $4, updated_at = now()
+     RETURNING logo_url, header_text, footer_text`,
+    [user.id, logoUrl ?? null, headerText ?? null, footerText ?? null]
+  );
+
+  const row = result.rows[0]!;
+  res.json({
+    template: { logoUrl: row.logo_url, headerText: row.header_text, footerText: row.footer_text },
+  });
+});
diff --git a/apps/web/app/app/page.tsx b/apps/web/app/app/page.tsx
index 164c6e5..7aedd48 100644
--- a/apps/web/app/app/page.tsx
+++ b/apps/web/app/app/page.tsx
@@ -26,6 +26,10 @@ import { ComplianceExpirationCalendar } from '@/components/ComplianceExpirationC
 import { DashboardSkeleton } from '@/components/DashboardSkeleton';
 import { Spinner } from '@/components/Spinner';
 import { ErrorBanner } from '@/components/ErrorBanner';
+import { CurrencyDisplaySettings } from '@/components/CurrencyDisplaySettings';
+import { NpsSurvey } from '@/components/NpsSurvey';
+import { useDisplayCurrency } from '@/lib/useDisplayCurrency';
+import { formatConverted } from '@/lib/currency';
 import {
   api,
   type Importer,
@@ -50,6 +54,7 @@ function ImporterDashboard() {
   const [events, setEvents] = useState<ContractEvent[]>([]);
   const [refreshCount, setRefreshCount] = useState(0);
   const [showTopUpConfirm, setShowTopUpConfirm] = useState(false);
+  const displayCurrency = useDisplayCurrency();
 
   const refresh = useCallback(async () => {
     try {
@@ -188,7 +193,11 @@ function ImporterDashboard() {
           </div>
         ) : null}
 
-        <div className="grid gap-4 sm:grid-cols-5 mt-6">
+        <div className="mt-6">
+          <CurrencyDisplaySettings {...displayCurrency} />
+        </div>
+
+        <div className="grid gap-4 sm:grid-cols-5 mt-4">
           <div className="sm:col-span-2">
             <HealthScore collateral={collateral} required={required} reserve={reserve} />
           </div>
@@ -198,6 +207,7 @@ function ImporterDashboard() {
               shortfall={shortfall}
               excess={excess}
               utilization={utilization}
+              rate={displayCurrency.rate}
             />
           </div>
         </div>
@@ -346,6 +356,11 @@ function ImporterDashboard() {
           />
         </div>
       </main>
+
+      {/* #1035: a fixed, non-modal corner card — never overlaps deposit/withdraw
+          controls in the page flow above, and stays hidden entirely while an
+          action (deposit, withdraw, top-up) is in flight. */}
+      {busy === null && <NpsSurvey />}
     </>
   );
 }
@@ -364,11 +379,14 @@ const Stat = memo(function Stat({
   value,
   hint,
   accent,
+  converted,
 }: {
   label: string;
   value: string;
   hint?: string;
   accent?: 'success' | 'danger';
+  /** Issue #1037 — approximate display-currency equivalent shown alongside the base-token value. */
+  converted?: string;
 }) {
   const color =
     accent === 'success' ? 'text-success' : accent === 'danger' ? 'text-danger' : 'text-foreground';
@@ -376,6 +394,7 @@ const Stat = memo(function Stat({
     <div className="rounded-lg border border-border bg-card p-4">
       <p className="text-xs uppercase tracking-wide text-muted">{label}</p>
       <p className={`mt-1 text-xl font-semibold ${color}`}>{value}</p>
+      {converted ? <p className="mt-0.5 text-xs text-muted">≈ {converted}</p> : null}
       {hint ? <p className="mt-1 text-xs text-muted">{hint}</p> : null}
     </div>
   );
@@ -392,11 +411,14 @@ const BalanceSummary = memo(function BalanceSummary({
   shortfall,
   excess,
   utilization,
+  rate,
 }: {
   onChainAccount: ImporterDetail['onChainAccount'];
   shortfall: bigint;
   excess: bigint;
   utilization: number;
+  /** Issue #1037 — optional display-currency conversion, purely presentational. */
+  rate?: import('@/lib/currency').ExchangeRate | null;
 }) {
   const formatted = useMemo(
     () => ({
@@ -420,13 +442,23 @@ const BalanceSummary = memo(function BalanceSummary({
   return (
     <>
       <div className="mt-6 grid gap-4 sm:grid-cols-4">
-        <Stat label="Required collateral" value={`${formatted.required} XLM`} hint={oracleNote()} />
+        <Stat
+          label="Required collateral"
+          value={`${formatted.required} XLM`}
+          hint={oracleNote()}
+          converted={rate ? formatConverted(onChainAccount.requiredCollateral, rate) : undefined}
+        />
         <Stat
           label="Posted collateral"
           value={`${formatted.collateral} XLM`}
           accent={shortfall > 0n ? 'danger' : 'success'}
+          converted={rate ? formatConverted(onChainAccount.collateralBalance, rate) : undefined}
+        />
+        <Stat
+          label="Reserve (auto-top-up pool)"
+          value={`${formatted.reserve} XLM`}
+          converted={rate ? formatConverted(onChainAccount.reserveBalance, rate) : undefined}
         />
-        <Stat label="Reserve (auto-top-up pool)" value={`${formatted.reserve} XLM`} />
         <Stat
           label="Yield accrued (sim BENJI)"
           value={`${formatted.yieldAccrued} XLM`}
diff --git a/apps/web/app/surety/page.tsx b/apps/web/app/surety/page.tsx
index 666fcd5..9679ab6 100644
--- a/apps/web/app/surety/page.tsx
+++ b/apps/web/app/surety/page.tsx
@@ -6,6 +6,8 @@ import { useEffect, useState } from 'react';
 import { Nav } from '@/components/Nav';
 import { api, ApiError, type Importer, type ImporterMetrics, stroopsToXlm } from '@/lib/api';
 import { getUser, isAuthenticated } from '@/lib/auth';
+import { NpsTrendWidget } from '@/components/NpsTrendWidget';
+import { ReportTemplateEditor } from '@/components/ReportTemplateEditor';
 
 export default function SuretyDashboard() {
   const router = useRouter();
@@ -186,6 +188,11 @@ export default function SuretyDashboard() {
             </ul>
           )}
         </div>
+
+        <div className="mt-8 grid gap-4 sm:grid-cols-2">
+          <NpsTrendWidget />
+          <ReportTemplateEditor />
+        </div>
       </main>
     </>
   );
diff --git a/apps/web/components/CurrencyDisplaySettings.tsx b/apps/web/components/CurrencyDisplaySettings.tsx
new file mode 100644
index 0000000..7f87976
--- /dev/null
+++ b/apps/web/components/CurrencyDisplaySettings.tsx
@@ -0,0 +1,63 @@
+'use client';
+
+import {
+  SUPPORTED_CURRENCIES,
+  formatConverted,
+  type CurrencyCode,
+  type ExchangeRate,
+} from '@/lib/currency';
+import { useDisplayCurrency } from '@/lib/useDisplayCurrency';
+
+// Issue #1037 — account-settings-style control for an optional display
+// currency, plus the rate disclosure required alongside it. Purely
+// presentational: never touches a contract call.
+export function CurrencyDisplaySettings({
+  currency,
+  setCurrency,
+  rate,
+  loading,
+  error,
+}: ReturnType<typeof useDisplayCurrency>) {
+  return (
+    <div className="rounded-lg border border-border bg-card p-3 flex flex-wrap items-center gap-3 text-xs">
+      <label className="flex items-center gap-2">
+        <span className="text-muted uppercase tracking-wide">Display currency</span>
+        <select
+          value={currency ?? ''}
+          onChange={(e) => setCurrency(e.target.value ? (e.target.value as CurrencyCode) : null)}
+          className="rounded-md border border-border bg-background px-2 py-1 text-sm focus:border-accent focus:outline-none"
+        >
+          <option value="">XLM only (off)</option>
+          {SUPPORTED_CURRENCIES.map((c) => (
+            <option key={c.code} value={c.code}>
+              {c.code} — {c.label}
+            </option>
+          ))}
+        </select>
+      </label>
+
+      {currency ? (
+        loading ? (
+          <span className="text-muted">Fetching exchange rate…</span>
+        ) : error ? (
+          <span className="text-danger">Couldn&apos;t load exchange rate: {error}</span>
+        ) : rate ? (
+          <RateDisclosure rate={rate} />
+        ) : null
+      ) : (
+        <span className="text-muted">
+          Amounts show in XLM only. Pick a currency for an approximate conversion alongside it.
+        </span>
+      )}
+    </div>
+  );
+}
+
+function RateDisclosure({ rate }: { rate: ExchangeRate }) {
+  return (
+    <span className="text-muted">
+      1 XLM ≈ {formatConverted('10000000', rate)} · source: {rate.source} · as of{' '}
+      {new Date(rate.asOf).toLocaleString()}
+    </span>
+  );
+}
diff --git a/apps/web/components/DepositWizard.tsx b/apps/web/components/DepositWizard.tsx
index 636c5f0..5324015 100644
--- a/apps/web/components/DepositWizard.tsx
+++ b/apps/web/components/DepositWizard.tsx
@@ -3,6 +3,7 @@
 import { useState } from 'react';
 import { api } from '@/lib/api';
 import { formatApiError, type FormattedError } from '@/lib/error-formatter';
+import { DepositWizardTour, useDepositWizardTour } from './DepositWizardTour';
 
 type Step = 'amount' | 'preview' | 'confirm' | 'receipt';
 
@@ -23,6 +24,7 @@ export function DepositWizard({
   const [xlm, setXlm] = useState('50');
   const [txHash, setTxHash] = useState<string | null>(null);
   const [busy, setBusy] = useState(false);
+  const tour = useDepositWizardTour();
 
   function resetWizard() {
     setStep('amount');
@@ -55,6 +57,19 @@ export function DepositWizard({
 
   return (
     <div className="space-y-4">
+      <div className="flex items-center justify-end -mb-2">
+        <button
+          type="button"
+          onClick={tour.launch}
+          aria-label="Show guided tour for this form"
+          title="Show guided tour"
+          className="inline-flex items-center justify-center text-muted hover:text-foreground text-xs rounded-full w-4 h-4 border border-muted/40 hover:border-foreground"
+        >
+          ?
+        </button>
+      </div>
+      {tour.active && <DepositWizardTour onClose={tour.close} />}
+
       {step === 'amount' && (
         <>
           <div className="flex gap-2">
diff --git a/apps/web/components/DepositWizardTour.tsx b/apps/web/components/DepositWizardTour.tsx
new file mode 100644
index 0000000..d75e7ee
--- /dev/null
+++ b/apps/web/components/DepositWizardTour.tsx
@@ -0,0 +1,77 @@
+'use client';
+
+import { useEffect, useState } from 'react';
+import { hasTourCompleted, markTourCompleted } from '@/lib/tour';
+
+const TOUR_KEY = 'deposit-wizard';
+
+const STEPS: { title: string; body: string }[] = [
+  {
+    title: 'Deposit amount',
+    body: 'Enter how much XLM to send. Collateral deposits count toward your required collateral; reserve deposits fund the auto-top-up pool used to cover shortfalls automatically.',
+  },
+  {
+    title: 'Required collateral',
+    body: '"Required collateral" is the minimum on-chain balance the surety needs, recalculated from your tariff exposure. Depositing here raises your posted collateral toward that requirement.',
+  },
+  {
+    title: 'Auto-top-up threshold',
+    body: 'If collateral ever falls short, "auto_top_up" moves funds from your reserve pool to cover the gap — reserve deposits are what make that automatic transfer possible.',
+  },
+];
+
+// Issue #1033: renders as a small dismissible card alongside the wizard
+// rather than a page-covering modal, so it never blocks or delays the
+// underlying deposit form/submission.
+export function useDepositWizardTour() {
+  const [active, setActive] = useState(false);
+
+  // First-time offer, unless already completed/dismissed.
+  useEffect(() => {
+    if (!hasTourCompleted(TOUR_KEY)) setActive(true);
+  }, []);
+
+  return {
+    active,
+    launch: () => setActive(true),
+    close: () => {
+      setActive(false);
+      markTourCompleted(TOUR_KEY);
+    },
+  };
+}
+
+export function DepositWizardTour({ onClose }: { onClose: () => void }) {
+  const [stepIdx, setStepIdx] = useState(0);
+  const step = STEPS[stepIdx]!;
+  const isLast = stepIdx === STEPS.length - 1;
+
+  return (
+    <div className="mb-3 rounded-md border border-accent/40 bg-accent/5 p-3 text-xs">
+      <div className="flex items-start justify-between gap-2">
+        <p className="font-semibold text-foreground">{step.title}</p>
+        <button
+          type="button"
+          onClick={onClose}
+          aria-label="Close guided tour"
+          className="text-muted hover:text-foreground shrink-0"
+        >
+          ✕
+        </button>
+      </div>
+      <p className="mt-1 text-muted">{step.body}</p>
+      <div className="mt-2 flex items-center justify-between">
+        <span className="text-[10px] text-muted">
+          Step {stepIdx + 1} of {STEPS.length}
+        </span>
+        <button
+          type="button"
+          onClick={() => (isLast ? onClose() : setStepIdx((i) => i + 1))}
+          className="rounded bg-accent text-accent-foreground px-2 py-1 text-[11px] hover:opacity-90"
+        >
+          {isLast ? 'Done' : 'Next'}
+        </button>
+      </div>
+    </div>
+  );
+}
diff --git a/apps/web/components/NpsSurvey.tsx b/apps/web/components/NpsSurvey.tsx
new file mode 100644
index 0000000..e47662f
--- /dev/null
+++ b/apps/web/components/NpsSurvey.tsx
@@ -0,0 +1,121 @@
+'use client';
+
+import { useEffect, useState } from 'react';
+import { api } from '@/lib/api';
+
+// Issue #1035 — lightweight in-app NPS/feedback survey. Cadence is
+// server-controlled (GET /nps/prompt-status), so this never shows on every
+// login. Rendered as a small, fixed, non-modal card that a caller can
+// additionally suppress during an in-progress deposit/withdrawal flow.
+export function NpsSurvey() {
+  const [visible, setVisible] = useState(false);
+  const [done, setDone] = useState(false);
+  const [score, setScore] = useState<number | null>(null);
+  const [comment, setComment] = useState('');
+  const [busy, setBusy] = useState(false);
+
+  useEffect(() => {
+    let cancelled = false;
+    api
+      .npsPromptStatus()
+      .then((r) => {
+        if (!cancelled && r.shouldShow) setVisible(true);
+      })
+      .catch(() => {
+        // Silently skip the survey if the status check fails — it's non-critical.
+      });
+    return () => {
+      cancelled = true;
+    };
+  }, []);
+
+  if (!visible) return null;
+
+  async function dismiss() {
+    setVisible(false);
+    try {
+      await api.npsDismiss();
+    } catch {
+      // Best-effort: the survey stays dismissed for this session regardless.
+    }
+  }
+
+  async function submit() {
+    if (score === null) return;
+    setBusy(true);
+    try {
+      await api.npsRespond(score, comment.trim() || undefined);
+    } catch {
+      // Best-effort: still show the thank-you state either way.
+    } finally {
+      setBusy(false);
+      setDone(true);
+      window.setTimeout(() => setVisible(false), 2500);
+    }
+  }
+
+  return (
+    <div className="fixed bottom-4 right-4 z-40 w-80 max-w-[calc(100vw-2rem)] rounded-lg border border-border bg-card p-4 shadow-xl">
+      <button
+        type="button"
+        onClick={dismiss}
+        aria-label="Dismiss survey"
+        className="absolute top-2 right-2 text-muted hover:text-foreground text-xs"
+      >
+        ✕
+      </button>
+
+      {done ? (
+        <p className="text-sm text-success font-medium">Thanks for the feedback! 🙌</p>
+      ) : (
+        <>
+          <p className="text-sm font-semibold pr-4">
+            How likely are you to recommend TariffShield to another importer?
+          </p>
+          <div className="mt-3 grid grid-cols-11 gap-1">
+            {Array.from({ length: 11 }, (_, n) => n).map((n) => (
+              <button
+                key={n}
+                type="button"
+                onClick={() => setScore(n)}
+                className={`rounded border py-1 text-xs hover:bg-accent hover:text-accent-foreground hover:border-accent ${score === n ? 'bg-accent text-accent-foreground border-accent' : 'border-border'}`}
+              >
+                {n}
+              </button>
+            ))}
+          </div>
+          <div className="mt-1 flex justify-between text-[10px] text-muted">
+            <span>Not likely</span>
+            <span>Very likely</span>
+          </div>
+
+          <textarea
+            value={comment}
+            onChange={(e) => setComment(e.target.value)}
+            maxLength={2000}
+            rows={2}
+            placeholder="Anything you'd like to add? (optional)"
+            className="mt-3 w-full rounded-md border border-border bg-background px-2 py-1.5 text-sm focus:border-accent focus:outline-none"
+          />
+          <div className="mt-2 flex gap-2">
+            <button
+              type="button"
+              onClick={dismiss}
+              className="flex-1 rounded-md border border-border px-3 py-1.5 text-xs hover:bg-background"
+            >
+              Skip
+            </button>
+            <button
+              type="button"
+              onClick={submit}
+              disabled={busy || score === null}
+              className="flex-1 rounded-md bg-accent text-accent-foreground px-3 py-1.5 text-xs hover:opacity-90 disabled:opacity-50"
+            >
+              {busy ? 'Submitting…' : 'Submit'}
+            </button>
+          </div>
+        </>
+      )}
+    </div>
+  );
+}
diff --git a/apps/web/components/NpsTrendWidget.tsx b/apps/web/components/NpsTrendWidget.tsx
new file mode 100644
index 0000000..fd51d47
--- /dev/null
+++ b/apps/web/components/NpsTrendWidget.tsx
@@ -0,0 +1,52 @@
+'use client';
+
+import { useEffect, useState } from 'react';
+import { api, type NpsTrendPoint } from '@/lib/api';
+
+// Issue #1035 — admin-facing aggregate NPS trend (weekly buckets, server-computed).
+export function NpsTrendWidget() {
+  const [trend, setTrend] = useState<NpsTrendPoint[] | null>(null);
+  const [error, setError] = useState<string | null>(null);
+
+  useEffect(() => {
+    api
+      .npsAdminTrend()
+      .then((r) => setTrend(r.trend))
+      .catch((e) => setError(e instanceof Error ? e.message : 'Failed to load NPS trend'));
+  }, []);
+
+  const latest = trend && trend.length > 0 ? trend[trend.length - 1]! : null;
+
+  return (
+    <div className="rounded-lg border border-border bg-card p-4">
+      <h3 className="text-sm font-semibold">Importer NPS trend (26 weeks)</h3>
+      {error ? (
+        <p className="mt-2 text-xs text-danger">{error}</p>
+      ) : trend === null ? (
+        <p className="mt-2 text-xs text-muted">Loading…</p>
+      ) : trend.length === 0 ? (
+        <p className="mt-2 text-xs text-muted">No survey responses yet.</p>
+      ) : (
+        <>
+          <p className="mt-1 text-3xl font-bold tabular-nums">{latest?.nps}</p>
+          <p className="text-xs text-muted">
+            Current NPS · {latest?.total} response{latest?.total === 1 ? '' : 's'} this week
+          </p>
+          <div className="mt-3 flex items-end gap-1 h-16">
+            {trend.map((point) => {
+              const heightPct = Math.max(4, ((point.nps + 100) / 200) * 100);
+              return (
+                <div
+                  key={point.weekStart}
+                  title={`Week of ${point.weekStart}: NPS ${point.nps} (${point.total} responses)`}
+                  className="flex-1 bg-accent/70 rounded-t"
+                  style={{ height: `${heightPct}%` }}
+                />
+              );
+            })}
+          </div>
+        </>
+      )}
+    </div>
+  );
+}
diff --git a/apps/web/components/ReportTemplateEditor.tsx b/apps/web/components/ReportTemplateEditor.tsx
new file mode 100644
index 0000000..efa22fd
--- /dev/null
+++ b/apps/web/components/ReportTemplateEditor.tsx
@@ -0,0 +1,112 @@
+'use client';
+
+import { useEffect, useState } from 'react';
+import { api, type ReportTemplate } from '@/lib/api';
+
+// Issue #1032 — per-tenant branded export template settings (logo,
+// header, footer) applied to the regulatory/compliance report downloads.
+// Saving never touches the underlying report data.
+export function ReportTemplateEditor() {
+  const [saved, setSaved] = useState<ReportTemplate | null>(null);
+  const [draft, setDraft] = useState<ReportTemplate>({
+    logoUrl: null,
+    headerText: null,
+    footerText: null,
+  });
+  const [showPreview, setShowPreview] = useState(false);
+  const [status, setStatus] = useState<'idle' | 'saving' | 'saved' | 'error'>('idle');
+
+  useEffect(() => {
+    api
+      .getReportTemplate()
+      .then((r) => {
+        setSaved(r.template);
+        setDraft(r.template);
+      })
+      .catch(() => setStatus('error'));
+  }, []);
+
+  async function handleSave() {
+    setStatus('saving');
+    try {
+      const r = await api.saveReportTemplate(draft);
+      setSaved(r.template);
+      setStatus('saved');
+      window.setTimeout(() => setStatus('idle'), 2000);
+    } catch {
+      setStatus('error');
+    }
+  }
+
+  const field = (
+    key: keyof ReportTemplate,
+    label: string,
+    placeholder: string,
+    maxLength: number
+  ) => (
+    <label className="block">
+      <span className="block text-xs text-muted">{label}</span>
+      <input
+        type="text"
+        value={draft[key] ?? ''}
+        maxLength={maxLength}
+        onChange={(e) => setDraft((d) => ({ ...d, [key]: e.target.value || null }))}
+        placeholder={placeholder}
+        className="mt-1 w-full rounded-md border border-border bg-background px-2 py-1.5 text-sm focus:border-accent focus:outline-none"
+      />
+    </label>
+  );
+
+  return (
+    <div className="rounded-lg border border-border bg-card p-4">
+      <h3 className="text-sm font-semibold">Branded report export template</h3>
+      <p className="mt-1 text-xs text-muted">
+        Applied to regulatory state-report and compliance report downloads. Falls back to the
+        default template when unset. {saved === null ? 'Loading…' : null}
+      </p>
+
+      <div className="mt-3 space-y-3">
+        {field('logoUrl', 'Logo URL', 'https://example.com/logo.png', 2000)}
+        {field('headerText', 'Header text', 'TariffShield Compliance Report', 200)}
+        {field('footerText', 'Footer text', 'Confidential — for regulatory use only.', 400)}
+      </div>
+
+      <div className="mt-3 flex flex-wrap items-center gap-2">
+        <button
+          type="button"
+          onClick={() => setShowPreview(true)}
+          className="rounded-md border border-border px-3 py-1.5 text-xs hover:bg-background"
+        >
+          Preview
+        </button>
+        <button
+          type="button"
+          onClick={handleSave}
+          disabled={status === 'saving'}
+          className="rounded-md bg-accent text-accent-foreground px-3 py-1.5 text-xs hover:opacity-90 disabled:opacity-50"
+        >
+          {status === 'saving' ? 'Saving…' : 'Save template'}
+        </button>
+        {status === 'saved' && <span className="text-xs text-success">Saved</span>}
+        {status === 'error' && <span className="text-xs text-danger">Something went wrong</span>}
+      </div>
+
+      {showPreview && (
+        <div className="mt-4 rounded-md border border-dashed border-border bg-background p-3 text-xs">
+          <p className="text-[10px] uppercase tracking-wide text-muted">Preview (not saved)</p>
+          {draft.logoUrl ? (
+            <p className="mt-1 text-muted font-mono break-all">{draft.logoUrl}</p>
+          ) : null}
+          <p className="mt-1 font-semibold">
+            {draft.headerText || 'TariffShield Compliance Report'}
+          </p>
+          <p className="mt-2 text-muted">State Compliance Report — sample data, not saved</p>
+          <p className="mt-2 text-muted italic">
+            {draft.footerText ||
+              'Generated by TariffShield — confidential, for regulatory use only.'}
+          </p>
+        </div>
+      )}
+    </div>
+  );
+}
diff --git a/apps/web/lib/api.ts b/apps/web/lib/api.ts
index 3221248..0bcf6e8 100644
--- a/apps/web/lib/api.ts
+++ b/apps/web/lib/api.ts
@@ -335,6 +335,22 @@ export const api = {
     if (query?.per_page) params.set('per_page', String(query.per_page));
     return request<AuditLogPage>(`/admin/audit-log?${params.toString()}`);
   },
+  // ── NPS/Feedback Survey (#1035) ───────────────────────────────────────────
+  npsPromptStatus: () =>
+    request<{ shouldShow: boolean; cadenceDays: number; lastShownAt: string | null }>(
+      '/nps/prompt-status'
+    ),
+  npsDismiss: () => request<{ success: boolean }>('/nps/dismiss', { method: 'POST' }),
+  npsRespond: (score: number, comment?: string) =>
+    request<{ success: boolean }>('/nps/respond', { method: 'POST', body: { score, comment } }),
+  npsAdminTrend: () => request<{ trend: NpsTrendPoint[] }>('/nps/admin/trend'),
+
+  // ── Branded Report Export Templates (#1032) ───────────────────────────────
+  getReportTemplate: () =>
+    request<{ template: ReportTemplate; isDefault: boolean }>('/report-templates'),
+  saveReportTemplate: (b: Partial<ReportTemplate>) =>
+    request<{ template: ReportTemplate }>('/report-templates', { method: 'PUT', body: b }),
+
   getAuditLogCsvUrl: (query?: {
     actor_user_id?: string;
     action?: string;
@@ -413,6 +429,21 @@ export interface ComplianceExpirationItem {
   metadata?: Record<string, unknown>;
 }
 
+export interface NpsTrendPoint {
+  weekStart: string;
+  promoters: number;
+  passives: number;
+  detractors: number;
+  total: number;
+  nps: number;
+}
+
+export interface ReportTemplate {
+  logoUrl: string | null;
+  headerText: string | null;
+  footerText: string | null;
+}
+
 export interface AuditLogEntry {
   id: string;
   actor_user_id: string | null;
diff --git a/apps/web/lib/currency.ts b/apps/web/lib/currency.ts
new file mode 100644
index 0000000..92309f4
--- /dev/null
+++ b/apps/web/lib/currency.ts
@@ -0,0 +1,89 @@
+'use client';
+
+// Issue #1037 — cross-border currency conversion display. Purely
+// presentational: converts the on-chain XLM (base token) collateral figures
+// into an importer's preferred display currency for context only. The
+// base-token amount always remains the source of truth.
+
+export const SUPPORTED_CURRENCIES = [
+  { code: 'USD', label: 'US Dollar' },
+  { code: 'EUR', label: 'Euro' },
+  { code: 'GBP', label: 'British Pound' },
+  { code: 'NGN', label: 'Nigerian Naira' },
+  { code: 'INR', label: 'Indian Rupee' },
+  { code: 'CAD', label: 'Canadian Dollar' },
+  { code: 'JPY', label: 'Japanese Yen' },
+] as const;
+
+export type CurrencyCode = (typeof SUPPORTED_CURRENCIES)[number]['code'];
+
+const PREF_KEY = 'tariffshield_display_currency';
+
+export function getPreferredCurrency(): CurrencyCode | null {
+  if (typeof window === 'undefined') return null;
+  const raw = window.localStorage.getItem(PREF_KEY);
+  return SUPPORTED_CURRENCIES.some((c) => c.code === raw) ? (raw as CurrencyCode) : null;
+}
+
+export function setPreferredCurrency(code: CurrencyCode | null): void {
+  if (typeof window === 'undefined') return;
+  if (code === null) {
+    window.localStorage.removeItem(PREF_KEY);
+  } else {
+    window.localStorage.setItem(PREF_KEY, code);
+  }
+}
+
+export interface ExchangeRate {
+  currency: CurrencyCode;
+  /** Units of `currency` per 1 XLM. */
+  rate: number;
+  asOf: string;
+  source: string;
+}
+
+const RATE_CACHE_TTL_MS = 5 * 60 * 1000;
+const rateCache = new Map<CurrencyCode, { data: ExchangeRate; fetchedAt: number }>();
+
+const RATE_SOURCE_LABEL = 'CoinGecko (stellar → fiat spot price)';
+
+// Fetches the current XLM → `currency` spot rate, cached in-memory for
+// RATE_CACHE_TTL_MS to avoid refetching on every render.
+export async function fetchXlmExchangeRate(currency: CurrencyCode): Promise<ExchangeRate> {
+  const cached = rateCache.get(currency);
+  if (cached && Date.now() - cached.fetchedAt < RATE_CACHE_TTL_MS) {
+    return cached.data;
+  }
+
+  const vsCurrency = currency.toLowerCase();
+  const res = await fetch(
+    `https://api.coingecko.com/api/v3/simple/price?ids=stellar&vs_currencies=${vsCurrency}&include_last_updated_at=true`
+  );
+  if (!res.ok) throw new Error(`Exchange rate lookup failed (HTTP ${res.status})`);
+  const body = await res.json();
+  const rate = body?.stellar?.[vsCurrency];
+  const lastUpdatedUnix = body?.stellar?.last_updated_at;
+  if (typeof rate !== 'number') throw new Error(`No exchange rate available for ${currency}`);
+  const asOf =
+    typeof lastUpdatedUnix === 'number'
+      ? new Date(lastUpdatedUnix * 1000).toISOString()
+      : new Date().toISOString();
+  const data: ExchangeRate = { currency, rate, asOf, source: RATE_SOURCE_LABEL };
+  rateCache.set(currency, { data, fetchedAt: Date.now() });
+  return data;
+}
+
+/** Formats a stroops amount converted into `rate.currency` using the given rate. */
+export function formatConverted(stroops: string | bigint, rate: ExchangeRate): string {
+  const xlm = Number(typeof stroops === 'bigint' ? stroops : BigInt(stroops)) / 1e7;
+  const amount = xlm * rate.rate;
+  try {
+    return new Intl.NumberFormat(undefined, {
+      style: 'currency',
+      currency: rate.currency,
+      maximumFractionDigits: amount >= 1000 ? 0 : 2,
+    }).format(amount);
+  } catch {
+    return `${amount.toFixed(2)} ${rate.currency}`;
+  }
+}
diff --git a/apps/web/lib/tour.ts b/apps/web/lib/tour.ts
new file mode 100644
index 0000000..2facc58
--- /dev/null
+++ b/apps/web/lib/tour.ts
@@ -0,0 +1,20 @@
+'use client';
+
+import { getUser } from './auth';
+
+// Issue #1033 — per-user, per-feature guided-tour completion state,
+// namespaced by user id so switching accounts doesn't leak "seen it" state.
+function storageKey(tourKey: string): string {
+  const userId = getUser()?.id ?? 'anonymous';
+  return `tariffshield_tour_${tourKey}_${userId}`;
+}
+
+export function hasTourCompleted(tourKey: string): boolean {
+  if (typeof window === 'undefined') return true;
+  return window.localStorage.getItem(storageKey(tourKey)) === 'done';
+}
+
+export function markTourCompleted(tourKey: string): void {
+  if (typeof window === 'undefined') return;
+  window.localStorage.setItem(storageKey(tourKey), 'done');
+}
diff --git a/apps/web/lib/useDisplayCurrency.ts b/apps/web/lib/useDisplayCurrency.ts
new file mode 100644
index 0000000..637c644
--- /dev/null
+++ b/apps/web/lib/useDisplayCurrency.ts
@@ -0,0 +1,53 @@
+'use client';
+
+import { useCallback, useEffect, useState } from 'react';
+import {
+  fetchXlmExchangeRate,
+  getPreferredCurrency,
+  setPreferredCurrency,
+  type CurrencyCode,
+  type ExchangeRate,
+} from './currency';
+
+// Issue #1037 — reads/writes the preferred display currency and keeps its
+// XLM exchange rate in sync. `currency === null` means "off" (default).
+export function useDisplayCurrency() {
+  const [currency, setCurrencyState] = useState<CurrencyCode | null>(null);
+  const [rate, setRate] = useState<ExchangeRate | null>(null);
+  const [loading, setLoading] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+
+  useEffect(() => {
+    setCurrencyState(getPreferredCurrency());
+  }, []);
+
+  useEffect(() => {
+    if (!currency) {
+      setRate(null);
+      return;
+    }
+    let cancelled = false;
+    setLoading(true);
+    setError(null);
+    fetchXlmExchangeRate(currency)
+      .then((r) => {
+        if (!cancelled) setRate(r);
+      })
+      .catch((e) => {
+        if (!cancelled) setError(e instanceof Error ? e.message : 'Failed to fetch exchange rate');
+      })
+      .finally(() => {
+        if (!cancelled) setLoading(false);
+      });
+    return () => {
+      cancelled = true;
+    };
+  }, [currency]);
+
+  const setCurrency = useCallback((code: CurrencyCode | null) => {
+    setPreferredCurrency(code);
+    setCurrencyState(code);
+  }, []);
+
+  return { currency, setCurrency, rate, loading, error };
+}