diff --git a/CLAUDE.md b/CLAUDE.md
index 0a3f76e..58fdf8f 100644
--- a/CLAUDE.md
+++ b/CLAUDE.md
@@ -60,7 +60,7 @@ lib/
       theme/app_colors.dart                  # Palette extension (paper/ink/line/accent/positive/negative)
       theme/theme_mode_controller.dart       # @Riverpod(keepAlive) ThemeMode — in-memory for now
     core/
-      database/app_database.dart             # @DriftDatabase, schemaVersion=6
+      database/app_database.dart             # @DriftDatabase, schemaVersion=7
       database/tables/                       # users / app_preferences / settings / accounts / categories / transactions
       database/daos/                         # *_dao.dart with .watch*() methods
       database/converters/enum_converters.dart  # TypeConverter + re-exports all enums (UI imports enums from here)
@@ -105,7 +105,8 @@ Every domain table has a `userId` FK → `users`.
 | `transactions` | id, userId, accountId, categoryId(nullable), type(enum), amount(int), date, merchant(nullable, was `note`), extraInfo(nullable), transferToAccountId(nullable), obligation/impulse(habit enums, nullable), rawMessageId/autoApplied/appliedByRuleId (parsing), createdAt |
 
 **Notification-parsing tables** (in `features/notification_parsing/data/drift/`): `raw_messages`,
-`parse_rules`, `rule_candidates`, `account_bindings`, `transfer_pairing_blocklist`. Their enums live
+`parse_rules`, `rule_candidates`, `account_bindings` (+`isDefault` per-app default binding),
+`source_apps` (allowlist of monitored apps), `transfer_pairing_blocklist`. Their enums live
 in `notification_parsing/domain/enums.dart`; converters in `.../data/drift/converters.dart` (both
 imported by `app_database.dart`).
 
diff --git a/lib/l10n/app_en.arb b/lib/l10n/app_en.arb
index 29ce449..f6f9ad2 100644
--- a/lib/l10n/app_en.arb
+++ b/lib/l10n/app_en.arb
@@ -379,5 +379,32 @@
   "habitAnalysisTile": "Habit analysis",
 
   "profileSeedDemoTile": "Fill with demo transactions",
-  "profileSeedDemoSuccess": "Demo transactions added"
+  "profileSeedDemoSuccess": "Demo transactions added",
+
+  "commonAdd": "Add",
+  "commonCancel": "Cancel",
+  "commonDelete": "Delete",
+
+  "parsingAppsTile": "Source apps",
+
+  "sourceAppsTitle": "Source apps",
+  "sourceAppsAddedSection": "Monitored",
+  "sourceAppsAvailableSection": "Available",
+  "sourceAppsEmpty": "No apps added yet. Pick a bank below or add one manually.",
+  "sourceAppsAddManual": "Add manually",
+  "sourceAppsPackageLabel": "Package name",
+  "sourceAppsNameLabel": "Display name (optional)",
+
+  "appBindingsTitle": "Account bindings",
+  "appBindingsEmpty": "No bindings yet. Add one to map a card to an account.",
+  "appBindingsAnyCard": "Any card (default)",
+  "appBindingsSetDefault": "Set as default for this app",
+  "appBindingsAddTitle": "New binding",
+  "appBindingsCardLabel": "Card last 4 digits",
+  "appBindingsCardHelper": "Leave empty to match any card",
+  "appBindingsDefaultLabel": "Default for this app",
+
+  "ruleKindMerchant": "Merchant → category",
+  "ruleKindAccount": "Sender → account",
+  "ruleEditorAccountPick": "Select account"
 }
diff --git a/lib/l10n/app_localizations.dart b/lib/l10n/app_localizations.dart
index a8b4d33..3a9413b 100644
--- a/lib/l10n/app_localizations.dart
+++ b/lib/l10n/app_localizations.dart
@@ -1753,6 +1753,138 @@ abstract class AppLocalizations {
   /// In ru, this message translates to:
   /// **'Демо транзакции добавлены'**
   String get profileSeedDemoSuccess;
+
+  /// No description provided for @commonAdd.
+  ///
+  /// In ru, this message translates to:
+  /// **'Добавить'**
+  String get commonAdd;
+
+  /// No description provided for @commonCancel.
+  ///
+  /// In ru, this message translates to:
+  /// **'Отмена'**
+  String get commonCancel;
+
+  /// No description provided for @commonDelete.
+  ///
+  /// In ru, this message translates to:
+  /// **'Удалить'**
+  String get commonDelete;
+
+  /// No description provided for @parsingAppsTile.
+  ///
+  /// In ru, this message translates to:
+  /// **'Приложения-источники'**
+  String get parsingAppsTile;
+
+  /// No description provided for @sourceAppsTitle.
+  ///
+  /// In ru, this message translates to:
+  /// **'Приложения-источники'**
+  String get sourceAppsTitle;
+
+  /// No description provided for @sourceAppsAddedSection.
+  ///
+  /// In ru, this message translates to:
+  /// **'Отслеживаются'**
+  String get sourceAppsAddedSection;
+
+  /// No description provided for @sourceAppsAvailableSection.
+  ///
+  /// In ru, this message translates to:
+  /// **'Доступные'**
+  String get sourceAppsAvailableSection;
+
+  /// No description provided for @sourceAppsEmpty.
+  ///
+  /// In ru, this message translates to:
+  /// **'Пока нет приложений. Выберите банк ниже или добавьте вручную.'**
+  String get sourceAppsEmpty;
+
+  /// No description provided for @sourceAppsAddManual.
+  ///
+  /// In ru, this message translates to:
+  /// **'Добавить вручную'**
+  String get sourceAppsAddManual;
+
+  /// No description provided for @sourceAppsPackageLabel.
+  ///
+  /// In ru, this message translates to:
+  /// **'Имя пакета'**
+  String get sourceAppsPackageLabel;
+
+  /// No description provided for @sourceAppsNameLabel.
+  ///
+  /// In ru, this message translates to:
+  /// **'Отображаемое имя (необязательно)'**
+  String get sourceAppsNameLabel;
+
+  /// No description provided for @appBindingsTitle.
+  ///
+  /// In ru, this message translates to:
+  /// **'Привязки счетов'**
+  String get appBindingsTitle;
+
+  /// No description provided for @appBindingsEmpty.
+  ///
+  /// In ru, this message translates to:
+  /// **'Пока нет привязок. Добавьте, чтобы связать карту со счётом.'**
+  String get appBindingsEmpty;
+
+  /// No description provided for @appBindingsAnyCard.
+  ///
+  /// In ru, this message translates to:
+  /// **'Любая карта (по умолчанию)'**
+  String get appBindingsAnyCard;
+
+  /// No description provided for @appBindingsSetDefault.
+  ///
+  /// In ru, this message translates to:
+  /// **'Сделать счётом по умолчанию для приложения'**
+  String get appBindingsSetDefault;
+
+  /// No description provided for @appBindingsAddTitle.
+  ///
+  /// In ru, this message translates to:
+  /// **'Новая привязка'**
+  String get appBindingsAddTitle;
+
+  /// No description provided for @appBindingsCardLabel.
+  ///
+  /// In ru, this message translates to:
+  /// **'Последние 4 цифры карты'**
+  String get appBindingsCardLabel;
+
+  /// No description provided for @appBindingsCardHelper.
+  ///
+  /// In ru, this message translates to:
+  /// **'Оставьте пустым для любой карты'**
+  String get appBindingsCardHelper;
+
+  /// No description provided for @appBindingsDefaultLabel.
+  ///
+  /// In ru, this message translates to:
+  /// **'По умолчанию для приложения'**
+  String get appBindingsDefaultLabel;
+
+  /// No description provided for @ruleKindMerchant.
+  ///
+  /// In ru, this message translates to:
+  /// **'Мерчант → категория'**
+  String get ruleKindMerchant;
+
+  /// No description provided for @ruleKindAccount.
+  ///
+  /// In ru, this message translates to:
+  /// **'Отправитель → счёт'**
+  String get ruleKindAccount;
+
+  /// No description provided for @ruleEditorAccountPick.
+  ///
+  /// In ru, this message translates to:
+  /// **'Выбрать счёт'**
+  String get ruleEditorAccountPick;
 }
 
 class _AppLocalizationsDelegate
diff --git a/lib/l10n/app_localizations_en.dart b/lib/l10n/app_localizations_en.dart
index 280a50a..c3a9190 100644
--- a/lib/l10n/app_localizations_en.dart
+++ b/lib/l10n/app_localizations_en.dart
@@ -917,4 +917,72 @@ class AppLocalizationsEn extends AppLocalizations {
 
   @override
   String get profileSeedDemoSuccess => 'Demo transactions added';
+
+  @override
+  String get commonAdd => 'Add';
+
+  @override
+  String get commonCancel => 'Cancel';
+
+  @override
+  String get commonDelete => 'Delete';
+
+  @override
+  String get parsingAppsTile => 'Source apps';
+
+  @override
+  String get sourceAppsTitle => 'Source apps';
+
+  @override
+  String get sourceAppsAddedSection => 'Monitored';
+
+  @override
+  String get sourceAppsAvailableSection => 'Available';
+
+  @override
+  String get sourceAppsEmpty =>
+      'No apps added yet. Pick a bank below or add one manually.';
+
+  @override
+  String get sourceAppsAddManual => 'Add manually';
+
+  @override
+  String get sourceAppsPackageLabel => 'Package name';
+
+  @override
+  String get sourceAppsNameLabel => 'Display name (optional)';
+
+  @override
+  String get appBindingsTitle => 'Account bindings';
+
+  @override
+  String get appBindingsEmpty =>
+      'No bindings yet. Add one to map a card to an account.';
+
+  @override
+  String get appBindingsAnyCard => 'Any card (default)';
+
+  @override
+  String get appBindingsSetDefault => 'Set as default for this app';
+
+  @override
+  String get appBindingsAddTitle => 'New binding';
+
+  @override
+  String get appBindingsCardLabel => 'Card last 4 digits';
+
+  @override
+  String get appBindingsCardHelper => 'Leave empty to match any card';
+
+  @override
+  String get appBindingsDefaultLabel => 'Default for this app';
+
+  @override
+  String get ruleKindMerchant => 'Merchant → category';
+
+  @override
+  String get ruleKindAccount => 'Sender → account';
+
+  @override
+  String get ruleEditorAccountPick => 'Select account';
 }
diff --git a/lib/l10n/app_localizations_ru.dart b/lib/l10n/app_localizations_ru.dart
index 7d3285e..3b2d31d 100644
--- a/lib/l10n/app_localizations_ru.dart
+++ b/lib/l10n/app_localizations_ru.dart
@@ -930,4 +930,73 @@ class AppLocalizationsRu extends AppLocalizations {
 
   @override
   String get profileSeedDemoSuccess => 'Демо транзакции добавлены';
+
+  @override
+  String get commonAdd => 'Добавить';
+
+  @override
+  String get commonCancel => 'Отмена';
+
+  @override
+  String get commonDelete => 'Удалить';
+
+  @override
+  String get parsingAppsTile => 'Приложения-источники';
+
+  @override
+  String get sourceAppsTitle => 'Приложения-источники';
+
+  @override
+  String get sourceAppsAddedSection => 'Отслеживаются';
+
+  @override
+  String get sourceAppsAvailableSection => 'Доступные';
+
+  @override
+  String get sourceAppsEmpty =>
+      'Пока нет приложений. Выберите банк ниже или добавьте вручную.';
+
+  @override
+  String get sourceAppsAddManual => 'Добавить вручную';
+
+  @override
+  String get sourceAppsPackageLabel => 'Имя пакета';
+
+  @override
+  String get sourceAppsNameLabel => 'Отображаемое имя (необязательно)';
+
+  @override
+  String get appBindingsTitle => 'Привязки счетов';
+
+  @override
+  String get appBindingsEmpty =>
+      'Пока нет привязок. Добавьте, чтобы связать карту со счётом.';
+
+  @override
+  String get appBindingsAnyCard => 'Любая карта (по умолчанию)';
+
+  @override
+  String get appBindingsSetDefault =>
+      'Сделать счётом по умолчанию для приложения';
+
+  @override
+  String get appBindingsAddTitle => 'Новая привязка';
+
+  @override
+  String get appBindingsCardLabel => 'Последние 4 цифры карты';
+
+  @override
+  String get appBindingsCardHelper => 'Оставьте пустым для любой карты';
+
+  @override
+  String get appBindingsDefaultLabel => 'По умолчанию для приложения';
+
+  @override
+  String get ruleKindMerchant => 'Мерчант → категория';
+
+  @override
+  String get ruleKindAccount => 'Отправитель → счёт';
+
+  @override
+  String get ruleEditorAccountPick => 'Выбрать счёт';
 }
diff --git a/lib/l10n/app_ru.arb b/lib/l10n/app_ru.arb
index 1997a8d..9409701 100644
--- a/lib/l10n/app_ru.arb
+++ b/lib/l10n/app_ru.arb
@@ -379,5 +379,32 @@
   "habitAnalysisTile": "Анализ привычек",
 
   "profileSeedDemoTile": "Заполнить демо транзакциями",
-  "profileSeedDemoSuccess": "Демо транзакции добавлены"
+  "profileSeedDemoSuccess": "Демо транзакции добавлены",
+
+  "commonAdd": "Добавить",
+  "commonCancel": "Отмена",
+  "commonDelete": "Удалить",
+
+  "parsingAppsTile": "Приложения-источники",
+
+  "sourceAppsTitle": "Приложения-источники",
+  "sourceAppsAddedSection": "Отслеживаются",
+  "sourceAppsAvailableSection": "Доступные",
+  "sourceAppsEmpty": "Пока нет приложений. Выберите банк ниже или добавьте вручную.",
+  "sourceAppsAddManual": "Добавить вручную",
+  "sourceAppsPackageLabel": "Имя пакета",
+  "sourceAppsNameLabel": "Отображаемое имя (необязательно)",
+
+  "appBindingsTitle": "Привязки счетов",
+  "appBindingsEmpty": "Пока нет привязок. Добавьте, чтобы связать карту со счётом.",
+  "appBindingsAnyCard": "Любая карта (по умолчанию)",
+  "appBindingsSetDefault": "Сделать счётом по умолчанию для приложения",
+  "appBindingsAddTitle": "Новая привязка",
+  "appBindingsCardLabel": "Последние 4 цифры карты",
+  "appBindingsCardHelper": "Оставьте пустым для любой карты",
+  "appBindingsDefaultLabel": "По умолчанию для приложения",
+
+  "ruleKindMerchant": "Мерчант → категория",
+  "ruleKindAccount": "Отправитель → счёт",
+  "ruleEditorAccountPick": "Выбрать счёт"
 }
diff --git a/lib/src/app/router/app_router.dart b/lib/src/app/router/app_router.dart
index 15534e1..0065d80 100644
--- a/lib/src/app/router/app_router.dart
+++ b/lib/src/app/router/app_router.dart
@@ -11,12 +11,14 @@ import '../../features/categories/presentation/screens/categories_list_screen.da
 import '../../features/categories/presentation/screens/category_form_screen.dart';
 import '../../features/home/presentation/screens/home_screen.dart';
 import '../../features/notification_parsing/presentation/screens/ai_consent_screen.dart';
+import '../../features/notification_parsing/presentation/screens/app_bindings_screen.dart';
 import '../../features/notification_parsing/presentation/screens/debug_inject_screen.dart';
 import '../../features/notification_parsing/presentation/screens/inbox_screen.dart';
 import '../../features/notification_parsing/presentation/screens/parsing_log_screen.dart';
 import '../../features/notification_parsing/presentation/screens/parsing_settings_screen.dart';
 import '../../features/notification_parsing/presentation/screens/rule_editor_screen.dart';
 import '../../features/notification_parsing/presentation/screens/rules_list_screen.dart';
+import '../../features/notification_parsing/presentation/screens/source_apps_screen.dart';
 import '../../features/profile/presentation/screens/profile_screen.dart';
 import '../../features/transactions/presentation/screens/transaction_form_screen.dart';
 import '../../features/user/application/active_user_controller.dart';
@@ -140,6 +142,16 @@ GoRouter appRouter(Ref ref) {
         path: AppRoutes.parsingLog,
         builder: (context, state) => const ParsingLogScreen(),
       ),
+      GoRoute(
+        path: AppRoutes.parsingApps,
+        builder: (context, state) => const SourceAppsScreen(),
+      ),
+      GoRoute(
+        path: AppRoutes.parsingAppBindingsPattern,
+        builder: (context, state) => AppBindingsScreen(
+          packageName: Uri.decodeComponent(state.pathParameters['pkg']!),
+        ),
+      ),
       GoRoute(
         path: AppRoutes.habitAnalysis,
         pageBuilder: (context, state) =>
diff --git a/lib/src/app/router/app_routes.dart b/lib/src/app/router/app_routes.dart
index 3d79772..5774305 100644
--- a/lib/src/app/router/app_routes.dart
+++ b/lib/src/app/router/app_routes.dart
@@ -31,4 +31,8 @@ class AppRoutes {
   static String parsingRuleEdit(String id) => '/settings/parsing/rules/$id';
   static const parsingDebugInject = '/settings/parsing/debug';
   static const parsingLog = '/settings/parsing/log';
+  static const parsingApps = '/settings/parsing/apps';
+  static const parsingAppBindingsPattern = '/settings/parsing/apps/:pkg';
+  static String parsingAppBindings(String packageName) =>
+      '/settings/parsing/apps/${Uri.encodeComponent(packageName)}';
 }
diff --git a/lib/src/core/database/app_database.dart b/lib/src/core/database/app_database.dart
index 026a478..12a8776 100644
--- a/lib/src/core/database/app_database.dart
+++ b/lib/src/core/database/app_database.dart
@@ -21,11 +21,13 @@ import '../../features/notification_parsing/data/drift/tables/raw_messages_table
 import '../../features/notification_parsing/data/drift/tables/parse_rules_table.dart';
 import '../../features/notification_parsing/data/drift/tables/rule_candidates_table.dart';
 import '../../features/notification_parsing/data/drift/tables/account_bindings_table.dart';
+import '../../features/notification_parsing/data/drift/tables/source_apps_table.dart';
 import '../../features/notification_parsing/data/drift/tables/transfer_pairing_blocklist_table.dart';
 import '../../features/notification_parsing/data/drift/daos/raw_messages_dao.dart';
 import '../../features/notification_parsing/data/drift/daos/parse_rules_dao.dart';
 import '../../features/notification_parsing/data/drift/daos/rule_candidates_dao.dart';
 import '../../features/notification_parsing/data/drift/daos/account_bindings_dao.dart';
+import '../../features/notification_parsing/data/drift/daos/source_apps_dao.dart';
 
 part 'app_database.g.dart';
 
@@ -42,6 +44,7 @@ part 'app_database.g.dart';
     ParseRulesTable,
     RuleCandidatesTable,
     AccountBindingsTable,
+    SourceAppsTable,
     TransferPairingBlocklistTable,
   ],
   daos: [
@@ -55,6 +58,7 @@ part 'app_database.g.dart';
     ParseRulesDao,
     RuleCandidatesDao,
     AccountBindingsDao,
+    SourceAppsDao,
   ],
 )
 class AppDatabase extends _$AppDatabase {
@@ -64,7 +68,7 @@ class AppDatabase extends _$AppDatabase {
   AppDatabase.forTesting(super.executor);
 
   @override
-  int get schemaVersion => 6;
+  int get schemaVersion => 7;
 
   @override
   MigrationStrategy get migration => MigrationStrategy(
@@ -116,6 +120,12 @@ class AppDatabase extends _$AppDatabase {
             await m.addColumn(
                 settingsTable, settingsTable.habitTrackingEnabled);
           }
+          if (from < 7) {
+            // v6 → v7: умолчательные привязки + allowlist приложений-источников.
+            await m.addColumn(
+                accountBindingsTable, accountBindingsTable.isDefault);
+            await m.createTable(sourceAppsTable);
+          }
         },
       );
 
diff --git a/lib/src/features/home/presentation/widgets/month_kpi_card.dart b/lib/src/features/home/presentation/widgets/month_kpi_card.dart
index 96cb0a9..1c0fcb7 100644
--- a/lib/src/features/home/presentation/widgets/month_kpi_card.dart
+++ b/lib/src/features/home/presentation/widgets/month_kpi_card.dart
@@ -45,10 +45,11 @@ class MonthKpiCard extends ConsumerWidget {
               ),
               MoneyText(
                 s.balanceMinor,
-                color: p.ink,
+                color: s.balanceMinor < 0 ? p.negative : p.ink,
                 fontSize: 22,
                 fontWeight: FontWeight.w600,
                 letterSpacing: -0.4,
+                withSign: true,
               ),
             ],
           ),
diff --git a/lib/src/features/notification_parsing/application/account_bindings_controller.dart b/lib/src/features/notification_parsing/application/account_bindings_controller.dart
new file mode 100644
index 0000000..a522793
--- /dev/null
+++ b/lib/src/features/notification_parsing/application/account_bindings_controller.dart
@@ -0,0 +1,55 @@
+import 'package:riverpod_annotation/riverpod_annotation.dart';
+
+import '../domain/entities/account_binding.dart';
+import 'notification_parsing_providers.dart';
+
+part 'account_bindings_controller.g.dart';
+
+/// Все привязки пользователя — для экрана привязок приложения.
+@riverpod
+Stream<List<AccountBinding>> accountBindingsList(Ref ref, String userId) =>
+    ref.watch(accountBindingsRepositoryProvider).watchByUser(userId);
+
+/// CRUD над привязками «карта/телефон → счёт».
+@Riverpod(keepAlive: true)
+class AccountBindingsController extends _$AccountBindingsController {
+  @override
+  AsyncValue<void> build() => const AsyncData(null);
+
+  Future<void> add({
+    required String userId,
+    required String packageName,
+    required String accountId,
+    String? cardLast4,
+    String? phone,
+    bool isDefault = false,
+  }) async {
+    state = const AsyncLoading();
+    try {
+      final repo = ref.read(accountBindingsRepositoryProvider);
+      final binding = await repo.create(
+        userId: userId,
+        packageName: packageName,
+        accountId: accountId,
+        cardLast4: cardLast4,
+        phone: phone,
+      );
+      // Единственный default на пакет: проводим через setDefault (атомарно
+      // снимает флаг у прочих привязок), а не через create(isDefault: true).
+      if (isDefault) {
+        await repo.setDefault(binding.id, userId, packageName);
+      }
+      state = const AsyncData(null);
+    } catch (e, st) {
+      state = AsyncError(e, st);
+      rethrow;
+    }
+  }
+
+  Future<void> setDefault(String id, String userId, String packageName) => ref
+      .read(accountBindingsRepositoryProvider)
+      .setDefault(id, userId, packageName);
+
+  Future<void> delete(String id) =>
+      ref.read(accountBindingsRepositoryProvider).deleteById(id);
+}
diff --git a/lib/src/features/notification_parsing/application/notification_parsing_providers.dart b/lib/src/features/notification_parsing/application/notification_parsing_providers.dart
index 45a795e..386e90b 100644
--- a/lib/src/features/notification_parsing/application/notification_parsing_providers.dart
+++ b/lib/src/features/notification_parsing/application/notification_parsing_providers.dart
@@ -5,10 +5,12 @@ import '../data/repositories/account_bindings_repository_impl.dart';
 import '../data/repositories/parse_rules_repository_impl.dart';
 import '../data/repositories/raw_messages_repository_impl.dart';
 import '../data/repositories/rule_candidates_repository_impl.dart';
+import '../data/repositories/source_apps_repository_impl.dart';
 import '../domain/repositories/account_bindings_repository.dart';
 import '../domain/repositories/parse_rules_repository.dart';
 import '../domain/repositories/raw_messages_repository.dart';
 import '../domain/repositories/rule_candidates_repository.dart';
+import '../domain/repositories/source_apps_repository.dart';
 
 part 'notification_parsing_providers.g.dart';
 
@@ -31,3 +33,12 @@ RuleCandidatesRepository ruleCandidatesRepository(Ref ref) =>
 AccountBindingsRepository accountBindingsRepository(Ref ref) =>
     AccountBindingsRepositoryImpl(
         ref.watch(appDatabaseProvider).accountBindingsDao);
+
+@Riverpod(keepAlive: true)
+SourceAppsRepository sourceAppsRepository(Ref ref) =>
+    SourceAppsRepositoryImpl(ref.watch(appDatabaseProvider).sourceAppsDao);
+
+/// Множество включённых packageName пользователя — вход allowlist-фильтра.
+@riverpod
+Future<Set<String>> enabledSourcePackages(Ref ref, String userId) =>
+    ref.watch(sourceAppsRepositoryProvider).enabledPackages(userId);
diff --git a/lib/src/features/notification_parsing/application/parsing_worker.dart b/lib/src/features/notification_parsing/application/parsing_worker.dart
index 7a4133d..fcdd4d4 100644
--- a/lib/src/features/notification_parsing/application/parsing_worker.dart
+++ b/lib/src/features/notification_parsing/application/parsing_worker.dart
@@ -1,5 +1,6 @@
 import 'package:riverpod_annotation/riverpod_annotation.dart';
 
+import '../../accounts/application/account_providers.dart';
 import '../../categories/application/category_providers.dart';
 import '../../categories/domain/entities/category.dart';
 import '../../transactions/application/transactions_controller.dart';
@@ -105,6 +106,17 @@ class ParsingWorker extends _$ParsingWorker {
     final settings = await ref.read(parsingSettingsControllerProvider.future);
     if (!settings.enabled) return; // фича выключена — оставляем pending.
 
+    // Allowlist (§A): парсим только включённые приложения-источники. Делаем
+    // ДО AI, чтобы не тратить токены на посторонние пакеты.
+    final enabled =
+        await ref.read(enabledSourcePackagesProvider(userId).future);
+    if (!enabled.contains(msg.packageName)) {
+      await ref
+          .read(rawMessagesRepositoryProvider)
+          .updateStatus(msg.id, RawMessageStatus.ignored);
+      return;
+    }
+
     // Извлечение через AI (regex-этап удалён). Без AI/сети — Inbox/ignored.
     await _extractViaAi(userId, msg, settings);
   }
@@ -225,25 +237,35 @@ class ParsingWorker extends _$ParsingWorker {
   }) async {
     final repo = ref.read(rawMessagesRepositoryProvider);
 
-    // 3. Разрешение счёта.
+    // 4. Правила грузим раньше — нужны резолверу (senderToAccount).
+    final rules =
+        await ref.read(parseRulesRepositoryProvider).getEnabledByUser(userId);
+    if (findIgnoreRule(rules, body: msg.body, merchantRaw: draft0.merchantRaw) !=
+        null) {
+      await repo.updateStatus(msg.id, RawMessageStatus.ignored);
+      return;
+    }
+
+    // 3. Разрешение счёта (§B): привязки → senderToAccount → дефолты.
+    final globalDefaultAccountId = (await ref
+            .read(accountRepositoryProvider)
+            .watchDefault(userId)
+            .first)
+        ?.id;
     final resolver =
         AccountResolver(ref.read(accountBindingsRepositoryProvider));
     final resolution = await resolver.resolve(
       userId: userId,
       packageName: msg.packageName,
+      body: msg.body,
       cardLast4: draft0.cardLast4,
       phone: draft0.counterpartyPhone,
+      merchantRaw: draft0.merchantRaw,
+      senderRules: rules,
+      globalDefaultAccountId: globalDefaultAccountId,
     );
     var draft = draft0.copyWith(accountId: resolution.accountId);
 
-    // 4. Правила: исключение → ignored; иначе ищем merchantToCategory.
-    final rules =
-        await ref.read(parseRulesRepositoryProvider).getEnabledByUser(userId);
-    if (findIgnoreRule(rules, body: msg.body, merchantRaw: draft.merchantRaw) !=
-        null) {
-      await repo.updateStatus(msg.id, RawMessageStatus.ignored);
-      return;
-    }
     final rule =
         findMerchantRule(rules, body: msg.body, merchantRaw: draft.merchantRaw);
 
@@ -314,7 +336,8 @@ class ParsingWorker extends _$ParsingWorker {
       scores: scores,
       strictness: settings.strictness,
       amountMinor: draft.amount,
-      hasAccount: draft.accountId != null,
+      accountResolved: draft.accountId != null,
+      accountTrusted: resolution.trusted,
     );
 
     if (decision == GateDecision.autoApply) {
diff --git a/lib/src/features/notification_parsing/application/source_apps_controller.dart b/lib/src/features/notification_parsing/application/source_apps_controller.dart
new file mode 100644
index 0000000..f46eb28
--- /dev/null
+++ b/lib/src/features/notification_parsing/application/source_apps_controller.dart
@@ -0,0 +1,43 @@
+import 'package:riverpod_annotation/riverpod_annotation.dart';
+
+import '../domain/entities/source_app.dart';
+import 'notification_parsing_providers.dart';
+
+part 'source_apps_controller.g.dart';
+
+/// Все приложения-источники пользователя — для экрана управления.
+@riverpod
+Stream<List<SourceApp>> sourceAppsList(Ref ref, String userId) =>
+    ref.watch(sourceAppsRepositoryProvider).watchByUser(userId);
+
+/// CRUD над приложениями-источниками (allowlist).
+@Riverpod(keepAlive: true)
+class SourceAppsController extends _$SourceAppsController {
+  @override
+  AsyncValue<void> build() => const AsyncData(null);
+
+  Future<void> add({
+    required String userId,
+    required String packageName,
+    String? displayName,
+  }) async {
+    state = const AsyncLoading();
+    try {
+      await ref.read(sourceAppsRepositoryProvider).add(
+            userId: userId,
+            packageName: packageName,
+            displayName: displayName,
+          );
+      state = const AsyncData(null);
+    } catch (e, st) {
+      state = AsyncError(e, st);
+      rethrow;
+    }
+  }
+
+  Future<void> setEnabled(String id, {required bool enabled}) =>
+      ref.read(sourceAppsRepositoryProvider).setEnabled(id, enabled: enabled);
+
+  Future<void> delete(String id) =>
+      ref.read(sourceAppsRepositoryProvider).deleteById(id);
+}
diff --git a/lib/src/features/notification_parsing/data/drift/daos/account_bindings_dao.dart b/lib/src/features/notification_parsing/data/drift/daos/account_bindings_dao.dart
index 231dd6a..08b8ad3 100644
--- a/lib/src/features/notification_parsing/data/drift/daos/account_bindings_dao.dart
+++ b/lib/src/features/notification_parsing/data/drift/daos/account_bindings_dao.dart
@@ -69,6 +69,19 @@ class AccountBindingsDao extends DatabaseAccessor<AppDatabase>
                 t.userId.equals(userId) & t.packageName.equals(packageName)))
           .get();
 
+  /// Умолчательная привязка приложения (card неизвестна) — §B #4.
+  Future<AccountBindingsTableData?> findDefaultByPackageName(
+    String userId,
+    String packageName,
+  ) =>
+      (select(accountBindingsTable)
+            ..where((t) =>
+                t.userId.equals(userId) &
+                t.packageName.equals(packageName) &
+                t.isDefault.equals(true))
+            ..limit(1))
+          .getSingleOrNull();
+
   // ── Mutations ──────────────────────────────────────────────────────────────
 
   Future<void> insert(AccountBindingsTableCompanion companion) =>
@@ -86,6 +99,22 @@ class AccountBindingsDao extends DatabaseAccessor<AppDatabase>
         updates: {accountBindingsTable},
       );
 
+  /// Делает привязку [id] умолчательной для её пакета: снимает флаг у всех
+  /// прочих привязок этого packageName и выставляет у выбранной (атомарно).
+  Future<void> setDefault(
+    String id,
+    String userId,
+    String packageName,
+  ) =>
+      transaction(() async {
+        await (update(accountBindingsTable)
+              ..where((t) =>
+                  t.userId.equals(userId) & t.packageName.equals(packageName)))
+            .write(const AccountBindingsTableCompanion(isDefault: Value(false)));
+        await (update(accountBindingsTable)..where((t) => t.id.equals(id)))
+            .write(const AccountBindingsTableCompanion(isDefault: Value(true)));
+      });
+
   Future<int> deleteById(String id) =>
       (delete(accountBindingsTable)..where((t) => t.id.equals(id))).go();
 }
diff --git a/lib/src/features/notification_parsing/data/drift/daos/source_apps_dao.dart b/lib/src/features/notification_parsing/data/drift/daos/source_apps_dao.dart
new file mode 100644
index 0000000..96d53c6
--- /dev/null
+++ b/lib/src/features/notification_parsing/data/drift/daos/source_apps_dao.dart
@@ -0,0 +1,49 @@
+import 'package:drift/drift.dart';
+import '../../../../../core/database/app_database.dart';
+import '../tables/source_apps_table.dart';
+
+part 'source_apps_dao.g.dart';
+
+@DriftAccessor(tables: [SourceAppsTable])
+class SourceAppsDao extends DatabaseAccessor<AppDatabase>
+    with _$SourceAppsDaoMixin {
+  SourceAppsDao(super.db);
+
+  /// Все приложения пользователя — для экрана управления.
+  Stream<List<SourceAppsTableData>> watchByUser(String userId) =>
+      (select(sourceAppsTable)
+            ..where((t) => t.userId.equals(userId))
+            ..orderBy([(t) => OrderingTerm(expression: t.displayName)]))
+          .watch();
+
+  /// Включённые packageName — для allowlist-фильтра.
+  Future<List<String>> enabledPackages(String userId) async {
+    final rows = await (select(sourceAppsTable)
+          ..where((t) => t.userId.equals(userId) & t.enabled.equals(true)))
+        .get();
+    return rows.map((r) => r.packageName).toList();
+  }
+
+  Future<SourceAppsTableData?> findByPackageName(
+    String userId,
+    String packageName,
+  ) =>
+      (select(sourceAppsTable)
+            ..where((t) =>
+                t.userId.equals(userId) & t.packageName.equals(packageName))
+            ..limit(1))
+          .getSingleOrNull();
+
+  Future<SourceAppsTableData?> findById(String id) =>
+      (select(sourceAppsTable)..where((t) => t.id.equals(id))).getSingleOrNull();
+
+  Future<void> insert(SourceAppsTableCompanion companion) =>
+      into(sourceAppsTable).insert(companion);
+
+  Future<void> setEnabled(String id, {required bool enabled}) =>
+      (update(sourceAppsTable)..where((t) => t.id.equals(id)))
+          .write(SourceAppsTableCompanion(enabled: Value(enabled)));
+
+  Future<int> deleteById(String id) =>
+      (delete(sourceAppsTable)..where((t) => t.id.equals(id))).go();
+}
diff --git a/lib/src/features/notification_parsing/data/drift/tables/account_bindings_table.dart b/lib/src/features/notification_parsing/data/drift/tables/account_bindings_table.dart
index c998feb..c0b6150 100644
--- a/lib/src/features/notification_parsing/data/drift/tables/account_bindings_table.dart
+++ b/lib/src/features/notification_parsing/data/drift/tables/account_bindings_table.dart
@@ -25,6 +25,10 @@ class AccountBindingsTable extends Table {
   TextColumn get accountId =>
       text().references(AccountsTable, #id, onDelete: KeyAction.cascade)();
 
+  /// Привязка по умолчанию для этого приложения (когда карта не распознана).
+  /// Единственная на пакет — обеспечивается через [AccountBindingsDao.setDefault].
+  BoolColumn get isDefault => boolean().withDefault(const Constant(false))();
+
   IntColumn get matchCount => integer().withDefault(const Constant(0))();
   DateTimeColumn get createdAt => dateTime().withDefault(currentDateAndTime)();
 
diff --git a/lib/src/features/notification_parsing/data/drift/tables/source_apps_table.dart b/lib/src/features/notification_parsing/data/drift/tables/source_apps_table.dart
new file mode 100644
index 0000000..b73da30
--- /dev/null
+++ b/lib/src/features/notification_parsing/data/drift/tables/source_apps_table.dart
@@ -0,0 +1,33 @@
+import 'package:drift/drift.dart';
+import '../../../../../core/database/tables/users_table.dart';
+
+/// Приложение-источник уведомлений, добавленное пользователем (allowlist).
+///
+/// Присутствие строки = приложение добавлено в мониторинг; [enabled] — следим
+/// ли за ним сейчас. Парсятся только включённые приложения (см.
+/// `parsing_worker` allowlist-фильтр). Заводится из каталога
+/// (`source_apps_catalog.dart`) или вручную (кастомный packageName).
+///
+/// Уникальный индекс по (userId, packageName).
+class SourceAppsTable extends Table {
+  @override
+  String get tableName => 'source_apps';
+
+  TextColumn get id => text()();
+  TextColumn get userId =>
+      text().references(UsersTable, #id, onDelete: KeyAction.cascade)();
+
+  TextColumn get packageName => text()();
+  TextColumn get displayName => text().nullable()();
+
+  BoolColumn get enabled => boolean().withDefault(const Constant(true))();
+  DateTimeColumn get createdAt => dateTime().withDefault(currentDateAndTime)();
+
+  @override
+  Set<Column> get primaryKey => {id};
+
+  @override
+  List<Set<Column>> get uniqueKeys => [
+        {userId, packageName},
+      ];
+}
diff --git a/lib/src/features/notification_parsing/data/mappers/account_binding_mapper.dart b/lib/src/features/notification_parsing/data/mappers/account_binding_mapper.dart
index 1956a42..c189075 100644
--- a/lib/src/features/notification_parsing/data/mappers/account_binding_mapper.dart
+++ b/lib/src/features/notification_parsing/data/mappers/account_binding_mapper.dart
@@ -11,6 +11,7 @@ extension AccountBindingMapper on AccountBindingsTableData {
         cardLast4: cardLast4,
         phone: phone,
         accountId: accountId,
+        isDefault: isDefault,
         matchCount: matchCount,
         createdAt: createdAt,
       );
diff --git a/lib/src/features/notification_parsing/data/mappers/source_app_mapper.dart b/lib/src/features/notification_parsing/data/mappers/source_app_mapper.dart
new file mode 100644
index 0000000..f6a4a23
--- /dev/null
+++ b/lib/src/features/notification_parsing/data/mappers/source_app_mapper.dart
@@ -0,0 +1,14 @@
+import '../../../../core/database/app_database.dart';
+import '../../domain/entities/source_app.dart';
+
+/// Маппер: строка Drift → доменная сущность [SourceApp].
+extension SourceAppMapper on SourceAppsTableData {
+  SourceApp toDomain() => SourceApp(
+        id: id,
+        userId: userId,
+        packageName: packageName,
+        displayName: displayName,
+        enabled: enabled,
+        createdAt: createdAt,
+      );
+}
diff --git a/lib/src/features/notification_parsing/data/parser/account_resolver.dart b/lib/src/features/notification_parsing/data/parser/account_resolver.dart
index 1320f07..57c1770 100644
--- a/lib/src/features/notification_parsing/data/parser/account_resolver.dart
+++ b/lib/src/features/notification_parsing/data/parser/account_resolver.dart
@@ -1,24 +1,48 @@
+import '../../domain/entities/parse_rule.dart';
 import '../../domain/repositories/account_bindings_repository.dart';
+import 'rule_lookup.dart';
 
-/// Результат разрешения счёта из уведомления (шаг 3 pipeline).
+/// Откуда взят разрешённый счёт (для диагностики / подсветки).
+enum AccountSource {
+  bindingCard,
+  bindingPhone,
+  senderRule,
+  singleBinding,
+  appDefault,
+  ambiguous,
+  globalDefault,
+  none,
+}
+
+/// Результат разрешения счёта из уведомления (шаг 3 pipeline, §B).
 class AccountResolution {
   const AccountResolution({
     required this.accountId,
     required this.score,
+    required this.trusted,
+    required this.source,
     this.bindingId,
   });
 
-  /// Разрешённый счёт (null, если binding не нашёлся).
+  /// Разрешённый счёт (null, если ничего не нашлось).
   final String? accountId;
 
-  /// Confidence по счёту 0..100 (§8.2).
+  /// Confidence по счёту 0..100 (§8.2) — для подсветки «?», НЕ для gate.
   final int score;
 
+  /// Можно ли доверять счёту для авто-применения. Именно это поле (а не score)
+  /// решает судьбу в gate: неоднозначность (#5) → false → Inbox; осознанные
+  /// дефолты (#4, #6) → true → авто-применение разрешено.
+  final bool trusted;
+
+  final AccountSource source;
+
   /// id сработавшей привязки — для инкремента matchCount.
   final String? bindingId;
 }
 
-/// Разрешает `accountId` по `account_bindings` (карта/телефон → счёт).
+/// Разрешает `accountId` по цепочке источников (§B): привязки карта/телефон,
+/// `senderToAccount`-правила, per-app default и глобальный дефолт счёта.
 class AccountResolver {
   const AccountResolver(this._bindings);
 
@@ -27,38 +51,105 @@ class AccountResolver {
   Future<AccountResolution> resolve({
     required String userId,
     required String packageName,
+    required String body,
     String? cardLast4,
     String? phone,
+    String? merchantRaw,
+    List<ParseRule> senderRules = const [],
+    String? globalDefaultAccountId,
   }) async {
+    // #1 — binding по packageName + cardLast4.
     if (cardLast4 != null) {
       final b =
           await _bindings.findByPackageAndCard(userId, packageName, cardLast4);
       if (b != null) {
         return AccountResolution(
-            accountId: b.accountId, score: 100, bindingId: b.id);
+          accountId: b.accountId,
+          score: 100,
+          trusted: true,
+          source: AccountSource.bindingCard,
+          bindingId: b.id,
+        );
       }
     }
 
+    // #1 — binding по телефону (СБП).
     if (phone != null) {
       final b = await _bindings.findByPhone(userId, phone);
       if (b != null) {
         return AccountResolution(
-            accountId: b.accountId, score: 100, bindingId: b.id);
+          accountId: b.accountId,
+          score: 100,
+          trusted: true,
+          source: AccountSource.bindingPhone,
+          bindingId: b.id,
+        );
       }
     }
 
-    final byPkg = await _bindings.findByPackageName(userId, packageName);
-    if (byPkg.length == 1) {
-      // Один счёт для этого банка — высокая уверенность (§8.2).
+    // #2 — senderToAccount-правило (матч по телу).
+    final senderRule =
+        findSenderRule(senderRules, body: body, merchantRaw: merchantRaw);
+    if (senderRule?.accountId != null) {
       return AccountResolution(
-          accountId: byPkg.first.accountId, score: 75, bindingId: byPkg.first.id);
-    }
-    if (byPkg.length > 1) {
-      // Несколько счетов — эвристика «первый», низкая уверенность.
-      return AccountResolution(
-          accountId: byPkg.first.accountId, score: 45, bindingId: byPkg.first.id);
+        accountId: senderRule!.accountId,
+        score: 90,
+        trusted: true,
+        source: AccountSource.senderRule,
+      );
     }
 
-    return const AccountResolution(accountId: null, score: 15);
+    final byPkg = await _bindings.findByPackageName(userId, packageName);
+
+    // #3 — единственный binding по packageName.
+    if (byPkg.length == 1) {
+      return AccountResolution(
+        accountId: byPkg.first.accountId,
+        score: 75,
+        trusted: true,
+        source: AccountSource.singleBinding,
+        bindingId: byPkg.first.id,
+      );
+    }
+
+    if (byPkg.length > 1) {
+      // #4 — per-app default binding (card неизвестна).
+      final def = await _bindings.findDefaultByPackageName(userId, packageName);
+      if (def != null) {
+        return AccountResolution(
+          accountId: def.accountId,
+          score: 70,
+          trusted: true,
+          source: AccountSource.appDefault,
+          bindingId: def.id,
+        );
+      }
+      // #5 — несколько bindings без default-флага → «первый», но не доверяем.
+      return AccountResolution(
+        accountId: byPkg.first.accountId,
+        score: 45,
+        trusted: false,
+        source: AccountSource.ambiguous,
+        bindingId: byPkg.first.id,
+      );
+    }
+
+    // #6 — глобальный Account.isDefault.
+    if (globalDefaultAccountId != null) {
+      return AccountResolution(
+        accountId: globalDefaultAccountId,
+        score: 40,
+        trusted: true,
+        source: AccountSource.globalDefault,
+      );
+    }
+
+    // #7 — ничего.
+    return const AccountResolution(
+      accountId: null,
+      score: 15,
+      trusted: false,
+      source: AccountSource.none,
+    );
   }
 }
diff --git a/lib/src/features/notification_parsing/data/parser/confidence_scorer.dart b/lib/src/features/notification_parsing/data/parser/confidence_scorer.dart
index 49b0c2f..44ce356 100644
--- a/lib/src/features/notification_parsing/data/parser/confidence_scorer.dart
+++ b/lib/src/features/notification_parsing/data/parser/confidence_scorer.dart
@@ -21,8 +21,11 @@ class FieldScores {
   final int category;
 
   /// Минимум по «прочим полям» — это и есть вход в gate (§8.7).
-  int get otherFieldsMin =>
-      [amount, account, type].reduce((a, b) => a < b ? a : b);
+  ///
+  /// Счёт исключён из gate-минимума: судьбу счёта решает `accountTrusted`
+  /// в [decide] (см. §B), а не числовой score. Account-score остаётся для
+  /// подсветки «?» в Inbox.
+  int get otherFieldsMin => [amount, type].reduce((a, b) => a < b ? a : b);
 }
 
 /// Считает 5 per-field оценок (§8.1–8.6).
diff --git a/lib/src/features/notification_parsing/data/parser/decision_gate.dart b/lib/src/features/notification_parsing/data/parser/decision_gate.dart
index 76470f5..30264e3 100644
--- a/lib/src/features/notification_parsing/data/parser/decision_gate.dart
+++ b/lib/src/features/notification_parsing/data/parser/decision_gate.dart
@@ -11,20 +11,25 @@ const int _hugeAmountMinor = 100000 * 100;
 /// Decision gate (§8.7).
 ///
 /// Молча в ленту только если есть подтверждённое правило для мерчанта,
-/// sanity пройден, и min(сумма, счёт, тип) ≥ порога строгости.
-/// Порог ([strictness]) применяется к прочим полям, НЕ к мерчанту.
+/// sanity пройден, счёт разрешён и доверенный, и min(сумма, тип) ≥ порога
+/// строгости. Порог ([strictness]) применяется к прочим полям, НЕ к мерчанту.
+///
+/// [accountResolved] — счёт вообще нашёлся; [accountTrusted] — ему можно
+/// доверять для авто-применения (§B): неоднозначные multi-binding (#5) дают
+/// false и уходят в Inbox, осознанные дефолты (#4/#6) — true.
 GateDecision decide({
   required ParseRule? merchantRule,
   required bool sanityPassed,
   required FieldScores scores,
   required int strictness,
   required int amountMinor,
-  required bool hasAccount,
+  required bool accountResolved,
+  required bool accountTrusted,
 }) {
   if (amountMinor > _hugeAmountMinor) return GateDecision.inbox;
 
-  // Без разрешённого счёта нечем создать транзакцию молча.
-  if (!hasAccount) return GateDecision.inbox;
+  // Без разрешённого/доверенного счёта нечем создать транзакцию молча.
+  if (!accountResolved || !accountTrusted) return GateDecision.inbox;
 
   if (merchantRule != null &&
       sanityPassed &&
diff --git a/lib/src/features/notification_parsing/data/parser/rule_lookup.dart b/lib/src/features/notification_parsing/data/parser/rule_lookup.dart
index 7735685..ad21a7f 100644
--- a/lib/src/features/notification_parsing/data/parser/rule_lookup.dart
+++ b/lib/src/features/notification_parsing/data/parser/rule_lookup.dart
@@ -56,6 +56,25 @@ ParseRule? findMerchantRule(
   return matches.isEmpty ? null : matches.first;
 }
 
+/// Ищет активное правило `senderToAccount`, матчащее тело сообщения (§B #2).
+///
+/// При конфликте — та же специфичность, что у [findMerchantRule].
+ParseRule? findSenderRule(
+  List<ParseRule> rules, {
+  required String body,
+  String? merchantRaw,
+}) {
+  final matches = rules
+      .where((r) =>
+          r.enabled &&
+          r.kind == ParseRuleKind.senderToAccount &&
+          r.accountId != null &&
+          ruleMatches(r, body: body, merchantRaw: merchantRaw))
+      .toList()
+    ..sort(_bySpecificity);
+  return matches.isEmpty ? null : matches.first;
+}
+
 /// Ищет активное правило-исключение (kind=ignore) для сообщения.
 ParseRule? findIgnoreRule(
   List<ParseRule> rules, {
diff --git a/lib/src/features/notification_parsing/data/repositories/account_bindings_repository_impl.dart b/lib/src/features/notification_parsing/data/repositories/account_bindings_repository_impl.dart
index 63a2261..fcdba1b 100644
--- a/lib/src/features/notification_parsing/data/repositories/account_bindings_repository_impl.dart
+++ b/lib/src/features/notification_parsing/data/repositories/account_bindings_repository_impl.dart
@@ -46,6 +46,13 @@ class AccountBindingsRepositoryImpl implements AccountBindingsRepository {
           .map((r) => r.toDomain())
           .toList();
 
+  @override
+  Future<AccountBinding?> findDefaultByPackageName(
+    String userId,
+    String packageName,
+  ) async =>
+      (await _dao.findDefaultByPackageName(userId, packageName))?.toDomain();
+
   @override
   Future<AccountBinding> create({
     required String userId,
@@ -56,6 +63,8 @@ class AccountBindingsRepositoryImpl implements AccountBindingsRepository {
     required String accountId,
   }) async {
     final id = const Uuid().v4();
+    // Привязка всегда создаётся не-дефолтной; default назначается отдельно
+    // через [setDefault] (атомарно снимает флаг у прочих привязок пакета).
     await _dao.insert(
       AccountBindingsTableCompanion.insert(
         id: id,
@@ -82,6 +91,10 @@ class AccountBindingsRepositoryImpl implements AccountBindingsRepository {
   @override
   Future<void> incrementMatchCount(String id) => _dao.incrementMatchCount(id);
 
+  @override
+  Future<void> setDefault(String id, String userId, String packageName) =>
+      _dao.setDefault(id, userId, packageName);
+
   @override
   Future<void> deleteById(String id) => _dao.deleteById(id);
 }
diff --git a/lib/src/features/notification_parsing/data/repositories/source_apps_repository_impl.dart b/lib/src/features/notification_parsing/data/repositories/source_apps_repository_impl.dart
new file mode 100644
index 0000000..be69ce4
--- /dev/null
+++ b/lib/src/features/notification_parsing/data/repositories/source_apps_repository_impl.dart
@@ -0,0 +1,51 @@
+import 'package:drift/drift.dart';
+import 'package:uuid/uuid.dart';
+
+import '../../../../core/database/app_database.dart';
+import '../../domain/entities/source_app.dart';
+import '../../domain/repositories/source_apps_repository.dart';
+import '../drift/daos/source_apps_dao.dart';
+import '../mappers/source_app_mapper.dart';
+
+class SourceAppsRepositoryImpl implements SourceAppsRepository {
+  const SourceAppsRepositoryImpl(this._dao);
+  final SourceAppsDao _dao;
+
+  @override
+  Stream<List<SourceApp>> watchByUser(String userId) => _dao
+      .watchByUser(userId)
+      .map((rows) => rows.map((r) => r.toDomain()).toList());
+
+  @override
+  Future<Set<String>> enabledPackages(String userId) async =>
+      (await _dao.enabledPackages(userId)).toSet();
+
+  @override
+  Future<SourceApp> add({
+    required String userId,
+    required String packageName,
+    String? displayName,
+  }) async {
+    final existing = await _dao.findByPackageName(userId, packageName);
+    if (existing != null) return existing.toDomain();
+
+    final id = const Uuid().v4();
+    await _dao.insert(
+      SourceAppsTableCompanion.insert(
+        id: id,
+        userId: userId,
+        packageName: packageName,
+        displayName: Value(displayName),
+      ),
+    );
+    final row = await _dao.findById(id);
+    return row!.toDomain();
+  }
+
+  @override
+  Future<void> setEnabled(String id, {required bool enabled}) =>
+      _dao.setEnabled(id, enabled: enabled);
+
+  @override
+  Future<void> deleteById(String id) => _dao.deleteById(id);
+}
diff --git a/lib/src/features/notification_parsing/data/source_apps/source_apps_catalog.dart b/lib/src/features/notification_parsing/data/source_apps/source_apps_catalog.dart
new file mode 100644
index 0000000..7a2579f
--- /dev/null
+++ b/lib/src/features/notification_parsing/data/source_apps/source_apps_catalog.dart
@@ -0,0 +1,87 @@
+/// Шаблон известного приложения-источника уведомлений (хардкод-каталог).
+///
+/// Источник вариантов для экрана «Приложения-источники»: пользователь
+/// выбирает банк из списка, и в `source_apps` заводится строка. Позже этот
+/// каталог заменится нативным списком установленных приложений.
+class SourceAppTemplate {
+  const SourceAppTemplate({
+    required this.packageName,
+    required this.displayName,
+    this.bankKey,
+  });
+
+  final String packageName;
+  final String displayName;
+
+  /// Нормализованный ключ банка (для будущей привязки к шаблонам разбора).
+  final String? bankKey;
+}
+
+/// Захардкоженный каталог известных банков РФ.
+const List<SourceAppTemplate> kSourceAppsCatalog = [
+  SourceAppTemplate(
+    packageName: 'ru.sberbankmobile',
+    displayName: 'СберБанк',
+    bankKey: 'sber',
+  ),
+  SourceAppTemplate(
+    packageName: 'com.idamob.tinkoff.android',
+    displayName: 'Т-Банк',
+    bankKey: 'tinkoff',
+  ),
+  SourceAppTemplate(
+    packageName: 'ru.alfabank.mobile.android',
+    displayName: 'Альфа-Банк',
+    bankKey: 'alfa',
+  ),
+  SourceAppTemplate(
+    packageName: 'ru.vtb24.mobilebanking.android',
+    displayName: 'ВТБ',
+    bankKey: 'vtb',
+  ),
+  SourceAppTemplate(
+    packageName: 'ru.gazprombank.android.mobilebank.app',
+    displayName: 'Газпромбанк',
+    bankKey: 'gazprom',
+  ),
+  SourceAppTemplate(
+    packageName: 'ru.raiffeisennews',
+    displayName: 'Райффайзен Банк',
+    bankKey: 'raiffeisen',
+  ),
+  SourceAppTemplate(
+    packageName: 'com.openbank',
+    displayName: 'Банк Открытие',
+    bankKey: 'open',
+  ),
+  SourceAppTemplate(
+    packageName: 'ru.rosbank.android',
+    displayName: 'Росбанк',
+    bankKey: 'rosbank',
+  ),
+  SourceAppTemplate(
+    packageName: 'ru.pochta.bank',
+    displayName: 'Почта Банк',
+    bankKey: 'pochta',
+  ),
+  SourceAppTemplate(
+    packageName: 'ru.simpls.brs.android',
+    displayName: 'Банк Русский Стандарт',
+    bankKey: 'rsb',
+  ),
+  SourceAppTemplate(
+    packageName: 'ru.mkb.mobile',
+    displayName: 'МКБ',
+    bankKey: 'mkb',
+  ),
+  SourceAppTemplate(
+    packageName: 'ru.akbars.mobile',
+    displayName: 'Ак Барс Банк',
+    bankKey: 'akbars',
+  ),
+  SourceAppTemplate(
+    packageName: 'com.android.mms',
+    displayName: 'SMS',
+    bankKey: null,
+  ),
+];
diff --git a/lib/src/features/notification_parsing/domain/entities/account_binding.dart b/lib/src/features/notification_parsing/domain/entities/account_binding.dart
index 2c97c3a..bf251c9 100644
--- a/lib/src/features/notification_parsing/domain/entities/account_binding.dart
+++ b/lib/src/features/notification_parsing/domain/entities/account_binding.dart
@@ -22,6 +22,9 @@ abstract class AccountBinding with _$AccountBinding {
     String? phone,
 
     required String accountId,
+
+    /// Привязка по умолчанию для приложения (карта не распознана).
+    @Default(false) bool isDefault,
     @Default(0) int matchCount,
     required DateTime createdAt,
   }) = _AccountBinding;
diff --git a/lib/src/features/notification_parsing/domain/entities/source_app.dart b/lib/src/features/notification_parsing/domain/entities/source_app.dart
new file mode 100644
index 0000000..7a12b80
--- /dev/null
+++ b/lib/src/features/notification_parsing/domain/entities/source_app.dart
@@ -0,0 +1,19 @@
+import 'package:freezed_annotation/freezed_annotation.dart';
+
+part 'source_app.freezed.dart';
+
+/// Приложение-источник уведомлений, добавленное пользователем (allowlist).
+///
+/// Парсятся только включённые ([enabled]) приложения. Заводится из каталога
+/// (`source_apps_catalog.dart`) или вручную (кастомный [packageName]).
+@freezed
+abstract class SourceApp with _$SourceApp {
+  const factory SourceApp({
+    required String id,
+    required String userId,
+    required String packageName,
+    String? displayName,
+    @Default(true) bool enabled,
+    required DateTime createdAt,
+  }) = _SourceApp;
+}
diff --git a/lib/src/features/notification_parsing/domain/repositories/account_bindings_repository.dart b/lib/src/features/notification_parsing/domain/repositories/account_bindings_repository.dart
index 91b3131..3591021 100644
--- a/lib/src/features/notification_parsing/domain/repositories/account_bindings_repository.dart
+++ b/lib/src/features/notification_parsing/domain/repositories/account_bindings_repository.dart
@@ -25,6 +25,12 @@ abstract interface class AccountBindingsRepository {
     String packageName,
   );
 
+  /// Умолчательная привязка приложения (карта не распознана) — §B #4.
+  Future<AccountBinding?> findDefaultByPackageName(
+    String userId,
+    String packageName,
+  );
+
   Future<AccountBinding> create({
     required String userId,
     String? packageName,
@@ -36,5 +42,8 @@ abstract interface class AccountBindingsRepository {
 
   Future<void> incrementMatchCount(String id);
 
+  /// Делает привязку умолчательной для её пакета (сбрасывает флаг у прочих).
+  Future<void> setDefault(String id, String userId, String packageName);
+
   Future<void> deleteById(String id);
 }
diff --git a/lib/src/features/notification_parsing/domain/repositories/source_apps_repository.dart b/lib/src/features/notification_parsing/domain/repositories/source_apps_repository.dart
new file mode 100644
index 0000000..1a72810
--- /dev/null
+++ b/lib/src/features/notification_parsing/domain/repositories/source_apps_repository.dart
@@ -0,0 +1,22 @@
+import '../entities/source_app.dart';
+
+/// Доступ к приложениям-источникам уведомлений ([SourceApp]) — allowlist.
+abstract interface class SourceAppsRepository {
+  /// Все приложения-источники пользователя — для экрана управления.
+  Stream<List<SourceApp>> watchByUser(String userId);
+
+  /// Множество включённых packageName — для allowlist-фильтра в пайплайне.
+  Future<Set<String>> enabledPackages(String userId);
+
+  /// Добавляет приложение (включено по умолчанию). Возвращает сущность.
+  /// Если строка с таким packageName уже есть — возвращает существующую.
+  Future<SourceApp> add({
+    required String userId,
+    required String packageName,
+    String? displayName,
+  });
+
+  Future<void> setEnabled(String id, {required bool enabled});
+
+  Future<void> deleteById(String id);
+}
diff --git a/lib/src/features/notification_parsing/presentation/screens/app_bindings_screen.dart b/lib/src/features/notification_parsing/presentation/screens/app_bindings_screen.dart
new file mode 100644
index 0000000..0febfb8
--- /dev/null
+++ b/lib/src/features/notification_parsing/presentation/screens/app_bindings_screen.dart
@@ -0,0 +1,160 @@
+import 'package:flutter/material.dart';
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+import 'package:go_router/go_router.dart';
+
+import '../../../../app/l10n/l10n.dart';
+import '../../../../app/theme/app_colors.dart';
+import '../../../accounts/application/accounts_controller.dart';
+import '../../../accounts/domain/entities/account.dart';
+import '../../../transactions/presentation/widgets/account_picker_sheet.dart';
+import '../../../user/application/active_user_controller.dart';
+import '../../application/account_bindings_controller.dart';
+import '../../domain/entities/account_binding.dart';
+
+/// Привязки выбранного приложения-источника: card/phone → счёт + дефолт (§A).
+class AppBindingsScreen extends ConsumerWidget {
+  const AppBindingsScreen({super.key, required this.packageName});
+
+  final String packageName;
+
+  @override
+  Widget build(BuildContext context, WidgetRef ref) {
+    final p = context.palette;
+    final l10n = context.l10n;
+    final userId = ref.watch(activeUserControllerProvider).value?.id;
+
+    if (userId == null) {
+      return Scaffold(backgroundColor: p.paper, body: const SizedBox.shrink());
+    }
+
+    final bindings = (ref.watch(accountBindingsListProvider(userId)).value ??
+            const <AccountBinding>[])
+        .where((b) => b.packageName == packageName)
+        .toList();
+    final accounts = ref.watch(accountsStreamProvider(userId)).value ??
+        const <Account>[];
+    final accountById = {for (final a in accounts) a.id: a};
+
+    return Scaffold(
+      backgroundColor: p.paper,
+      appBar: AppBar(
+        backgroundColor: p.paper,
+        title: Text(l10n.appBindingsTitle),
+        actions: [
+          IconButton(
+            icon: const Icon(Icons.add),
+            onPressed: () => _addBinding(context, ref, userId),
+          ),
+        ],
+      ),
+      body: bindings.isEmpty
+          ? Center(
+              child: Padding(
+                padding: const EdgeInsets.all(32),
+                child: Text(l10n.appBindingsEmpty,
+                    textAlign: TextAlign.center,
+                    style: TextStyle(fontSize: 14, color: p.ink2)),
+              ),
+            )
+          : ListView.separated(
+              padding: const EdgeInsets.symmetric(vertical: 8),
+              itemCount: bindings.length,
+              separatorBuilder: (_, _) => Container(height: 1, color: p.line),
+              itemBuilder: (context, i) {
+                final b = bindings[i];
+                final accountName =
+                    accountById[b.accountId]?.name ?? b.accountId;
+                final subtitle = b.cardLast4 != null
+                    ? '•••• ${b.cardLast4}'
+                    : (b.phone ?? l10n.appBindingsAnyCard);
+                return ListTile(
+                  title: Text(accountName,
+                      style: TextStyle(fontSize: 14, color: p.ink)),
+                  subtitle: Text(subtitle,
+                      style: TextStyle(fontSize: 12, color: p.ink2)),
+                  leading: IconButton(
+                    icon: Icon(
+                      b.isDefault ? Icons.star : Icons.star_border,
+                      color: b.isDefault ? p.accent : p.ink2,
+                    ),
+                    tooltip: l10n.appBindingsSetDefault,
+                    onPressed: b.isDefault
+                        ? null
+                        : () => ref
+                            .read(accountBindingsControllerProvider.notifier)
+                            .setDefault(b.id, userId, packageName),
+                  ),
+                  trailing: IconButton(
+                    icon: Icon(Icons.delete_outline, color: p.ink2),
+                    onPressed: () => ref
+                        .read(accountBindingsControllerProvider.notifier)
+                        .delete(b.id),
+                  ),
+                );
+              },
+            ),
+    );
+  }
+
+  Future<void> _addBinding(
+    BuildContext context,
+    WidgetRef ref,
+    String userId,
+  ) async {
+    final accountId = await showAccountPicker(context, userId: userId);
+    if (accountId == null || !context.mounted) return;
+
+    final l10n = context.l10n;
+    final cardCtrl = TextEditingController();
+    var asDefault = false;
+    final ok = await showDialog<bool>(
+      context: context,
+      builder: (context) => StatefulBuilder(
+        builder: (context, setState) => AlertDialog(
+          title: Text(l10n.appBindingsAddTitle),
+          content: Column(
+            mainAxisSize: MainAxisSize.min,
+            children: [
+              TextField(
+                controller: cardCtrl,
+                keyboardType: TextInputType.number,
+                maxLength: 4,
+                decoration: InputDecoration(
+                  labelText: l10n.appBindingsCardLabel,
+                  helperText: l10n.appBindingsCardHelper,
+                ),
+              ),
+              CheckboxListTile(
+                contentPadding: EdgeInsets.zero,
+                title: Text(l10n.appBindingsDefaultLabel),
+                value: asDefault,
+                onChanged: (v) => setState(() => asDefault = v ?? false),
+              ),
+            ],
+          ),
+          actions: [
+            TextButton(
+              onPressed: () => context.pop(false),
+              child: Text(l10n.commonCancel),
+            ),
+            TextButton(
+              onPressed: () => context.pop(true),
+              child: Text(l10n.commonAdd),
+            ),
+          ],
+        ),
+      ),
+    );
+    final card = cardCtrl.text.trim();
+    cardCtrl.dispose();
+    if (ok == true) {
+      await ref.read(accountBindingsControllerProvider.notifier).add(
+            userId: userId,
+            packageName: packageName,
+            accountId: accountId,
+            cardLast4: card.isEmpty ? null : card,
+            isDefault: asDefault,
+          );
+    }
+  }
+}
diff --git a/lib/src/features/notification_parsing/presentation/screens/parsing_settings_screen.dart b/lib/src/features/notification_parsing/presentation/screens/parsing_settings_screen.dart
index d226e94..5984aca 100644
--- a/lib/src/features/notification_parsing/presentation/screens/parsing_settings_screen.dart
+++ b/lib/src/features/notification_parsing/presentation/screens/parsing_settings_screen.dart
@@ -72,6 +72,11 @@ class ParsingSettingsScreen extends ConsumerWidget {
                 title: l10n.parsingRulesTile,
                 onTap: () => context.push(AppRoutes.parsingRules),
               ),
+              _NavTile(
+                icon: Icons.apps_outlined,
+                title: l10n.parsingAppsTile,
+                onTap: () => context.push(AppRoutes.parsingApps),
+              ),
               _NavTile(
                 icon: Icons.receipt_long_outlined,
                 title: l10n.parsingLogTile,
diff --git a/lib/src/features/notification_parsing/presentation/screens/rule_editor_screen.dart b/lib/src/features/notification_parsing/presentation/screens/rule_editor_screen.dart
index 82cad8d..8883240 100644
--- a/lib/src/features/notification_parsing/presentation/screens/rule_editor_screen.dart
+++ b/lib/src/features/notification_parsing/presentation/screens/rule_editor_screen.dart
@@ -36,6 +36,7 @@ class RuleEditorPrefill {
 /// Результат редактора в режиме compose (возвращается через pop в Inbox).
 class RuleEditorResult {
   const RuleEditorResult({
+    required this.kind,
     required this.matchMode,
     required this.pattern,
     required this.merchantCanonical,
@@ -44,6 +45,7 @@ class RuleEditorResult {
     this.priority = 0,
   });
 
+  final ParseRuleKind kind;
   final MatchMode matchMode;
   final String pattern;
   final String merchantCanonical;
@@ -68,6 +70,7 @@ class RuleEditorScreen extends ConsumerStatefulWidget {
 class _RuleEditorScreenState extends ConsumerState<RuleEditorScreen> {
   final _patternCtrl = TextEditingController();
   final _merchantCtrl = TextEditingController();
+  ParseRuleKind _kind = ParseRuleKind.merchantToCategory;
   MatchMode _matchMode = MatchMode.contains;
   String? _categoryId;
   String? _accountId;
@@ -101,6 +104,7 @@ class _RuleEditorScreenState extends ConsumerState<RuleEditorScreen> {
 
   void _hydrateFromRule(ParseRule rule) {
     if (_initialized) return;
+    _kind = rule.kind;
     _patternCtrl.text = rule.pattern;
     _merchantCtrl.text = rule.merchantCanonical ?? '';
     _matchMode = rule.matchMode;
@@ -111,18 +115,27 @@ class _RuleEditorScreenState extends ConsumerState<RuleEditorScreen> {
     _initialized = true;
   }
 
+  bool get _isSender => _kind == ParseRuleKind.senderToAccount;
+
+  /// Готовность к сохранению: для sender→account нужен счёт.
+  bool get _canSave =>
+      _patternCtrl.text.trim().isNotEmpty && (!_isSender || _accountId != null);
+
   Future<void> _save(String userId, ParseRule? existing) async {
     final pattern = _patternCtrl.text.trim();
     if (pattern.isEmpty) return;
-    final merchant = _merchantCtrl.text.trim();
+    final merchant = _isSender ? '' : _merchantCtrl.text.trim();
+    // sender→account не задаёт категорию/мерчанта.
+    final categoryId = _isSender ? null : _categoryId;
 
     if (_isEdit && existing != null) {
       await ref.read(rulesControllerProvider.notifier).update(
             existing.copyWith(
+              kind: _kind,
               matchMode: _matchMode,
               pattern: pattern,
               merchantCanonical: merchant.isEmpty ? null : merchant,
-              categoryId: _categoryId,
+              categoryId: categoryId,
               accountId: _accountId,
               priority: _priority,
               enabled: _enabled,
@@ -132,10 +145,11 @@ class _RuleEditorScreenState extends ConsumerState<RuleEditorScreen> {
     } else {
       context.pop(
         RuleEditorResult(
+          kind: _kind,
           matchMode: _matchMode,
           pattern: pattern,
           merchantCanonical: merchant,
-          categoryId: _categoryId,
+          categoryId: categoryId,
           accountId: _accountId,
           priority: _priority,
         ),
@@ -191,6 +205,16 @@ class _RuleEditorScreenState extends ConsumerState<RuleEditorScreen> {
       body: ListView(
         padding: const EdgeInsets.fromLTRB(16, 8, 16, 24),
         children: [
+          // Выбор вида — только при создании из списка правил. Из Inbox
+          // (prefill) композим всегда merchant→category: senderToAccount там
+          // не применяется (inbox_controller создаёт правило этого вида).
+          if (!_isEdit && widget.prefill == null) ...[
+            _KindSelector(
+              kind: _kind,
+              onChanged: (k) => setState(() => _kind = k),
+            ),
+            const SizedBox(height: 16),
+          ],
           Text(l10n.ruleEditorIfContains,
               style: TextStyle(fontSize: 13, color: p.ink2)),
           const SizedBox(height: 6),
@@ -216,36 +240,41 @@ class _RuleEditorScreenState extends ConsumerState<RuleEditorScreen> {
           Text(l10n.ruleEditorThen,
               style: TextStyle(fontSize: 13, color: p.ink2)),
           const SizedBox(height: 8),
-          _FieldRow(
-            label: l10n.ruleEditorMerchant,
-            child: TextField(
-              controller: _merchantCtrl,
-              textAlign: TextAlign.end,
-              decoration: InputDecoration(
-                hintText: l10n.ruleEditorMerchantHint,
-                isDense: true,
-                border: InputBorder.none,
+          if (!_isSender) ...[
+            _FieldRow(
+              label: l10n.ruleEditorMerchant,
+              child: TextField(
+                controller: _merchantCtrl,
+                textAlign: TextAlign.end,
+                decoration: InputDecoration(
+                  hintText: l10n.ruleEditorMerchantHint,
+                  isDense: true,
+                  border: InputBorder.none,
+                ),
               ),
             ),
-          ),
-          _Divider(color: p.line),
-          _PickerRow(
-            label: l10n.ruleEditorCategory,
-            value: categoryName ?? l10n.inboxNoCategory,
-            onTap: () async {
-              final id = await showCategoryPicker(
-                context,
-                userId: userId,
-                type: CategoryType.expense,
-                currentCategoryId: _categoryId,
-              );
-              if (id != null) setState(() => _categoryId = id);
-            },
-          ),
-          _Divider(color: p.line),
+            _Divider(color: p.line),
+            _PickerRow(
+              label: l10n.ruleEditorCategory,
+              value: categoryName ?? l10n.inboxNoCategory,
+              onTap: () async {
+                final id = await showCategoryPicker(
+                  context,
+                  userId: userId,
+                  type: CategoryType.expense,
+                  currentCategoryId: _categoryId,
+                );
+                if (id != null) setState(() => _categoryId = id);
+              },
+            ),
+            _Divider(color: p.line),
+          ],
           _PickerRow(
             label: l10n.ruleEditorAccount,
-            value: accountName ?? l10n.ruleEditorAccountUnchanged,
+            value: accountName ??
+                (_isSender
+                    ? l10n.ruleEditorAccountPick
+                    : l10n.ruleEditorAccountUnchanged),
             onTap: () async {
               final id = await showAccountPicker(
                 context,
@@ -298,9 +327,7 @@ class _RuleEditorScreenState extends ConsumerState<RuleEditorScreen> {
               backgroundColor: p.accent,
               minimumSize: const Size.fromHeight(48),
             ),
-            onPressed: _patternCtrl.text.trim().isEmpty
-                ? null
-                : () => _save(userId, existing),
+            onPressed: !_canSave ? null : () => _save(userId, existing),
             child: Text(l10n.ruleEditorSave),
           ),
         ],
@@ -363,6 +390,33 @@ class _MatchesPreview extends ConsumerWidget {
   }
 }
 
+class _KindSelector extends StatelessWidget {
+  const _KindSelector({required this.kind, required this.onChanged});
+
+  final ParseRuleKind kind;
+  final ValueChanged<ParseRuleKind> onChanged;
+
+  @override
+  Widget build(BuildContext context) {
+    final l10n = context.l10n;
+    return SegmentedButton<ParseRuleKind>(
+      segments: [
+        ButtonSegment(
+          value: ParseRuleKind.merchantToCategory,
+          label: Text(l10n.ruleKindMerchant),
+        ),
+        ButtonSegment(
+          value: ParseRuleKind.senderToAccount,
+          label: Text(l10n.ruleKindAccount),
+        ),
+      ],
+      selected: {kind},
+      showSelectedIcon: false,
+      onSelectionChanged: (s) => onChanged(s.first),
+    );
+  }
+}
+
 class _MatchModeSelector extends StatelessWidget {
   const _MatchModeSelector({required this.mode, required this.onChanged});
 
diff --git a/lib/src/features/notification_parsing/presentation/screens/rules_list_screen.dart b/lib/src/features/notification_parsing/presentation/screens/rules_list_screen.dart
index a8e7030..6ac458f 100644
--- a/lib/src/features/notification_parsing/presentation/screens/rules_list_screen.dart
+++ b/lib/src/features/notification_parsing/presentation/screens/rules_list_screen.dart
@@ -5,6 +5,8 @@ import 'package:go_router/go_router.dart';
 import '../../../../app/l10n/l10n.dart';
 import '../../../../app/router/app_routes.dart';
 import '../../../../app/theme/app_colors.dart';
+import '../../../accounts/application/accounts_controller.dart';
+import '../../../accounts/domain/entities/account.dart';
 import '../../../categories/application/categories_controller.dart';
 import '../../../categories/domain/entities/category.dart';
 import '../../../user/application/active_user_controller.dart';
@@ -51,6 +53,9 @@ class _RulesListScreenState extends ConsumerState<RulesListScreen> {
     final categories =
         ref.watch(categoriesStreamProvider(userId)).value ?? const <Category>[];
     final categoryById = {for (final c in categories) c.id: c};
+    final accounts =
+        ref.watch(accountsStreamProvider(userId)).value ?? const <Account>[];
+    final accountById = {for (final a in accounts) a.id: a};
 
     return Scaffold(
       backgroundColor: p.paper,
@@ -107,6 +112,7 @@ class _RulesListScreenState extends ConsumerState<RulesListScreen> {
                     itemBuilder: (context, i) => RuleCard(
                       rule: rules[i],
                       categoryById: categoryById,
+                      accountById: accountById,
                       onTap: () =>
                           context.push(AppRoutes.parsingRuleEdit(rules[i].id)),
                       onToggle: (enabled) => ref
@@ -126,7 +132,7 @@ class _RulesListScreenState extends ConsumerState<RulesListScreen> {
     if (result == null) return;
     await ref.read(rulesControllerProvider.notifier).create(
           userId: userId,
-          kind: ParseRuleKind.merchantToCategory,
+          kind: result.kind,
           matchMode: result.matchMode,
           pattern: result.pattern,
           priority: result.priority,
diff --git a/lib/src/features/notification_parsing/presentation/screens/source_apps_screen.dart b/lib/src/features/notification_parsing/presentation/screens/source_apps_screen.dart
new file mode 100644
index 0000000..ce29023
--- /dev/null
+++ b/lib/src/features/notification_parsing/presentation/screens/source_apps_screen.dart
@@ -0,0 +1,243 @@
+import 'package:flutter/material.dart';
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+import 'package:go_router/go_router.dart';
+
+import '../../../../app/l10n/l10n.dart';
+import '../../../../app/router/app_routes.dart';
+import '../../../../app/theme/app_colors.dart';
+import '../../../user/application/active_user_controller.dart';
+import '../../application/source_apps_controller.dart';
+import '../../data/source_apps/source_apps_catalog.dart';
+import '../../domain/entities/source_app.dart';
+
+/// Экран управления приложениями-источниками (allowlist, §A).
+///
+/// «Включённые» — мониторятся (toggle + переход к привязкам); «Доступные» —
+/// из каталога, ещё не добавлены (тап включает); «Добавить вручную» —
+/// кастомный packageName.
+class SourceAppsScreen extends ConsumerWidget {
+  const SourceAppsScreen({super.key});
+
+  @override
+  Widget build(BuildContext context, WidgetRef ref) {
+    final p = context.palette;
+    final l10n = context.l10n;
+    final userId = ref.watch(activeUserControllerProvider).value?.id;
+
+    if (userId == null) {
+      return Scaffold(backgroundColor: p.paper, body: const SizedBox.shrink());
+    }
+
+    final apps = ref.watch(sourceAppsListProvider(userId)).value ??
+        const <SourceApp>[];
+    final addedPackages = {for (final a in apps) a.packageName};
+    final available = kSourceAppsCatalog
+        .where((t) => !addedPackages.contains(t.packageName))
+        .toList();
+
+    return Scaffold(
+      backgroundColor: p.paper,
+      appBar: AppBar(
+        backgroundColor: p.paper,
+        title: Text(l10n.sourceAppsTitle),
+        actions: [
+          IconButton(
+            icon: const Icon(Icons.add),
+            tooltip: l10n.sourceAppsAddManual,
+            onPressed: () => _addManual(context, ref, userId),
+          ),
+        ],
+      ),
+      body: ListView(
+        padding: const EdgeInsets.symmetric(horizontal: 16, vertical: 8),
+        children: [
+          Text(l10n.sourceAppsAddedSection,
+              style: TextStyle(fontSize: 13, color: p.ink2)),
+          const SizedBox(height: 8),
+          if (apps.isEmpty)
+            Padding(
+              padding: const EdgeInsets.symmetric(vertical: 12),
+              child: Text(l10n.sourceAppsEmpty,
+                  style: TextStyle(fontSize: 14, color: p.ink2)),
+            )
+          else
+            _Card(
+              children: [
+                for (var i = 0; i < apps.length; i++) ...[
+                  if (i > 0) Container(height: 1, color: p.line),
+                  _AddedAppTile(app: apps[i], userId: userId),
+                ],
+              ],
+            ),
+          if (available.isNotEmpty) ...[
+            const SizedBox(height: 20),
+            Text(l10n.sourceAppsAvailableSection,
+                style: TextStyle(fontSize: 13, color: p.ink2)),
+            const SizedBox(height: 8),
+            _Card(
+              children: [
+                for (var i = 0; i < available.length; i++) ...[
+                  if (i > 0) Container(height: 1, color: p.line),
+                  _AvailableAppTile(template: available[i], userId: userId),
+                ],
+              ],
+            ),
+          ],
+        ],
+      ),
+    );
+  }
+
+  Future<void> _addManual(
+    BuildContext context,
+    WidgetRef ref,
+    String userId,
+  ) async {
+    final l10n = context.l10n;
+    final pkgCtrl = TextEditingController();
+    final nameCtrl = TextEditingController();
+    final result = await showDialog<bool>(
+      context: context,
+      builder: (context) => AlertDialog(
+        title: Text(l10n.sourceAppsAddManual),
+        content: Column(
+          mainAxisSize: MainAxisSize.min,
+          children: [
+            TextField(
+              controller: pkgCtrl,
+              autofocus: true,
+              decoration:
+                  InputDecoration(labelText: l10n.sourceAppsPackageLabel),
+            ),
+            const SizedBox(height: 8),
+            TextField(
+              controller: nameCtrl,
+              decoration: InputDecoration(labelText: l10n.sourceAppsNameLabel),
+            ),
+          ],
+        ),
+        actions: [
+          TextButton(
+            onPressed: () => context.pop(false),
+            child: Text(l10n.commonCancel),
+          ),
+          TextButton(
+            onPressed: () => context.pop(true),
+            child: Text(l10n.commonAdd),
+          ),
+        ],
+      ),
+    );
+    final pkg = pkgCtrl.text.trim();
+    final name = nameCtrl.text.trim();
+    pkgCtrl.dispose();
+    nameCtrl.dispose();
+    if (result == true && pkg.isNotEmpty) {
+      await ref.read(sourceAppsControllerProvider.notifier).add(
+            userId: userId,
+            packageName: pkg,
+            displayName: name.isEmpty ? null : name,
+          );
+    }
+  }
+}
+
+class _AddedAppTile extends ConsumerWidget {
+  const _AddedAppTile({required this.app, required this.userId});
+
+  final SourceApp app;
+  final String userId;
+
+  @override
+  Widget build(BuildContext context, WidgetRef ref) {
+    final p = context.palette;
+    final l10n = context.l10n;
+    final ctrl = ref.read(sourceAppsControllerProvider.notifier);
+    final title = app.displayName ?? app.packageName;
+
+    return InkWell(
+      onTap: () => context.push(AppRoutes.parsingAppBindings(app.packageName)),
+      child: Padding(
+        padding: const EdgeInsets.fromLTRB(14, 8, 8, 8),
+        child: Row(
+          children: [
+            Icon(Icons.apps_outlined, size: 20, color: p.ink2),
+            const SizedBox(width: 12),
+            Expanded(
+              child: Column(
+                crossAxisAlignment: CrossAxisAlignment.start,
+                children: [
+                  Text(title,
+                      style: TextStyle(fontSize: 14, color: p.ink)),
+                  if (app.displayName != null)
+                    Text(app.packageName,
+                        style: TextStyle(fontSize: 11, color: p.ink2)),
+                ],
+              ),
+            ),
+            Switch(
+              value: app.enabled,
+              activeThumbColor: p.accent,
+              onChanged: (v) => ctrl.setEnabled(app.id, enabled: v),
+            ),
+            IconButton(
+              icon: Icon(Icons.delete_outline, size: 20, color: p.ink2),
+              tooltip: l10n.commonDelete,
+              onPressed: () => ctrl.delete(app.id),
+            ),
+            Icon(Icons.chevron_right, size: 18, color: p.ink2),
+          ],
+        ),
+      ),
+    );
+  }
+}
+
+class _AvailableAppTile extends ConsumerWidget {
+  const _AvailableAppTile({required this.template, required this.userId});
+
+  final SourceAppTemplate template;
+  final String userId;
+
+  @override
+  Widget build(BuildContext context, WidgetRef ref) {
+    final p = context.palette;
+    return InkWell(
+      onTap: () => ref.read(sourceAppsControllerProvider.notifier).add(
+            userId: userId,
+            packageName: template.packageName,
+            displayName: template.displayName,
+          ),
+      child: Padding(
+        padding: const EdgeInsets.symmetric(horizontal: 14, vertical: 14),
+        child: Row(
+          children: [
+            Icon(Icons.add_circle_outline, size: 20, color: p.ink2),
+            const SizedBox(width: 12),
+            Expanded(
+              child: Text(template.displayName,
+                  style: TextStyle(fontSize: 14, color: p.ink)),
+            ),
+          ],
+        ),
+      ),
+    );
+  }
+}
+
+class _Card extends StatelessWidget {
+  const _Card({required this.children});
+  final List<Widget> children;
+
+  @override
+  Widget build(BuildContext context) {
+    final p = context.palette;
+    return Container(
+      decoration: BoxDecoration(
+        border: Border.all(color: p.line),
+        borderRadius: BorderRadius.circular(14),
+      ),
+      child: Column(children: children),
+    );
+  }
+}
diff --git a/lib/src/features/notification_parsing/presentation/widgets/rule_card.dart b/lib/src/features/notification_parsing/presentation/widgets/rule_card.dart
index 075931f..fd2c9f2 100644
--- a/lib/src/features/notification_parsing/presentation/widgets/rule_card.dart
+++ b/lib/src/features/notification_parsing/presentation/widgets/rule_card.dart
@@ -2,6 +2,7 @@ import 'package:flutter/material.dart';
 
 import '../../../../app/l10n/l10n.dart';
 import '../../../../app/theme/app_colors.dart';
+import '../../../accounts/domain/entities/account.dart';
 import '../../../categories/domain/entities/category.dart';
 import '../../domain/entities/parse_rule.dart';
 import '../../domain/enums.dart';
@@ -12,12 +13,14 @@ class RuleCard extends StatelessWidget {
     super.key,
     required this.rule,
     required this.categoryById,
+    this.accountById = const {},
     required this.onTap,
     required this.onToggle,
   });
 
   final ParseRule rule;
   final Map<String, Category> categoryById;
+  final Map<String, Account> accountById;
   final VoidCallback onTap;
   final ValueChanged<bool> onToggle;
 
@@ -34,10 +37,14 @@ class RuleCard extends StatelessWidget {
 
     final categoryName =
         rule.categoryId != null ? categoryById[rule.categoryId]?.name : null;
-    final target = [
-      rule.merchantCanonical,
-      categoryName,
-    ].whereType<String>().join(' · ');
+    final accountName =
+        rule.accountId != null ? accountById[rule.accountId]?.name : null;
+    final target = rule.kind == ParseRuleKind.senderToAccount
+        ? (accountName ?? '')
+        : [
+            rule.merchantCanonical,
+            categoryName,
+          ].whereType<String>().join(' · ');
 
     return Dismissible(
       key: ValueKey(rule.id),
diff --git a/test/core/database/migration_v6_test.dart b/test/core/database/migration_v6_test.dart
index fd3a8b3..3f9d4ec 100644
--- a/test/core/database/migration_v6_test.dart
+++ b/test/core/database/migration_v6_test.dart
@@ -42,12 +42,16 @@ void main() {
       ),
     );
 
-    // 2. «Откатываем» схему до v5: убираем новые колонки и версию.
+    // 2. «Откатываем» схему до v5: убираем колонки v6 И артефакты v7
+    //    (иначе onUpgrade 5→7 попытается создать их повторно).
     await dbV6.customStatement(
         'ALTER TABLE transactions DROP COLUMN obligation');
     await dbV6.customStatement('ALTER TABLE transactions DROP COLUMN impulse');
     await dbV6.customStatement(
         'ALTER TABLE settings DROP COLUMN habit_tracking_enabled');
+    await dbV6.customStatement(
+        'ALTER TABLE account_bindings DROP COLUMN is_default');
+    await dbV6.customStatement('DROP TABLE source_apps');
     await dbV6.customStatement('PRAGMA user_version = 5');
     await dbV6.close();
 
diff --git a/test/core/database/migration_v7_test.dart b/test/core/database/migration_v7_test.dart
new file mode 100644
index 0000000..b16c8ca
--- /dev/null
+++ b/test/core/database/migration_v7_test.dart
@@ -0,0 +1,82 @@
+import 'dart:io';
+
+import 'package:drift/drift.dart' hide isNull, isNotNull;
+import 'package:drift/native.dart';
+import 'package:flutter_test/flutter_test.dart';
+import 'package:new_budget/src/core/database/app_database.dart';
+
+/// Тест миграции v6 → v7 (account_bindings.is_default + таблица source_apps).
+///
+/// Поднимаем актуальную (v7) схему, «откатываем» до v6 (убираем is_default и
+/// source_apps, ставим user_version = 6). Повторное открытие запускает
+/// onUpgrade(6 → 7), который должен восстановить колонку и таблицу.
+void main() {
+  late File file;
+
+  setUp(() {
+    final dir = Directory.systemTemp.createTempSync('nb_migration_v7_test');
+    file = File('${dir.path}/test.sqlite');
+  });
+
+  tearDown(() {
+    if (file.existsSync()) file.deleteSync();
+    final parent = file.parent;
+    if (parent.existsSync()) parent.deleteSync(recursive: true);
+  });
+
+  test('onUpgrade 6 → 7 добавляет is_default и таблицу source_apps', () async {
+    const userId = 'user-1';
+    const accountId = 'account-1';
+
+    // 1. Актуальная схема (v7) + FK-цепочка.
+    final dbV7 = AppDatabase.forTesting(NativeDatabase(file));
+    await dbV7.usersDao
+        .insertUser(UsersTableCompanion.insert(id: userId, name: 'Тест'));
+    await dbV7.accountsDao.insertAccount(
+      AccountsTableCompanion.insert(
+        id: accountId,
+        userId: userId,
+        name: 'Основной',
+      ),
+    );
+
+    // 2. «Откатываем» до v6.
+    await dbV7.customStatement(
+        'ALTER TABLE account_bindings DROP COLUMN is_default');
+    await dbV7.customStatement('DROP TABLE source_apps');
+    await dbV7.customStatement('PRAGMA user_version = 6');
+    await dbV7.close();
+
+    // 3. Повторное открытие → onUpgrade(6 → 7).
+    final dbMigrated = AppDatabase.forTesting(NativeDatabase(file));
+    addTearDown(dbMigrated.close);
+
+    // 4a. is_default доступна с дефолтом false (round-trip привязки).
+    await dbMigrated.accountBindingsDao.insert(
+      AccountBindingsTableCompanion.insert(
+        id: 'b-1',
+        userId: userId,
+        accountId: accountId,
+        packageName: const Value('ru.sberbankmobile'),
+      ),
+    );
+    final bindings =
+        await dbMigrated.accountBindingsDao.findByPackageName(
+      userId,
+      'ru.sberbankmobile',
+    );
+    expect(bindings, hasLength(1));
+    expect(bindings.first.isDefault, isFalse);
+
+    // 4b. Таблица source_apps существует и принимает строки.
+    await dbMigrated.sourceAppsDao.insert(
+      SourceAppsTableCompanion.insert(
+        id: 's-1',
+        userId: userId,
+        packageName: 'ru.sberbankmobile',
+      ),
+    );
+    final enabled = await dbMigrated.sourceAppsDao.enabledPackages(userId);
+    expect(enabled, contains('ru.sberbankmobile'));
+  });
+}
diff --git a/test/features/notification_parsing/application/parsing_worker_allowlist_test.dart b/test/features/notification_parsing/application/parsing_worker_allowlist_test.dart
new file mode 100644
index 0000000..b058a82
--- /dev/null
+++ b/test/features/notification_parsing/application/parsing_worker_allowlist_test.dart
@@ -0,0 +1,214 @@
+import 'dart:async';
+import 'dart:convert';
+
+import 'package:drift/native.dart';
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+import 'package:flutter_test/flutter_test.dart';
+import 'package:http/http.dart' as http;
+import 'package:http/testing.dart';
+import 'package:new_budget/src/core/database/app_database.dart';
+import 'package:new_budget/src/core/providers/database_provider.dart';
+import 'package:new_budget/src/features/accounts/application/account_providers.dart';
+import 'package:new_budget/src/features/notification_parsing/application/ai_providers.dart';
+import 'package:new_budget/src/features/notification_parsing/application/notification_parsing_providers.dart';
+import 'package:new_budget/src/features/notification_parsing/application/parsing_settings_controller.dart';
+import 'package:new_budget/src/features/notification_parsing/application/parsing_worker.dart';
+import 'package:new_budget/src/features/notification_parsing/data/openrouter/openrouter_client.dart';
+import 'package:new_budget/src/features/notification_parsing/data/parser/ai_parser.dart';
+import 'package:new_budget/src/features/notification_parsing/domain/entities/raw_message.dart';
+import 'package:new_budget/src/features/notification_parsing/domain/enums.dart';
+import 'package:new_budget/src/features/notification_parsing/domain/repositories/raw_messages_repository.dart';
+
+/// Тесты allowlist-фильтра и проводки резолвера в [ParsingWorker] (§A/§B).
+/// AI замокан (без сети): MockClient отдаёт фиксированный JSON-ответ модели.
+
+const _userId = 'u1';
+const _accountId = 'acc-default';
+const _bank = 'ru.sberbankmobile';
+
+/// AI-парсер поверх MockClient, который возвращает канонический draft-JSON.
+/// [onCall] вызывается при каждом обращении — для проверки «AI не звали».
+AiParser _fakeAiParser({
+  required String merchantRaw,
+  required num amount,
+  void Function()? onCall,
+}) {
+  final mock = MockClient((req) async {
+    onCall?.call();
+    final content = jsonEncode({
+      'type': 'expense',
+      'kind': 'purchase',
+      'amount': amount,
+      'currency': 'RUB',
+      'merchantRaw': merchantRaw,
+    });
+    return http.Response(
+      jsonEncode({
+        'choices': [
+          {
+            'message': {'content': content},
+          }
+        ],
+        'usage': {'total_tokens': 42},
+      }),
+      200,
+      headers: {'content-type': 'application/json'},
+    );
+  });
+  return AiParser(OpenRouterClient(client: mock, apiKey: 'k'));
+}
+
+Future<void> _seed(AppDatabase db) async {
+  await db.usersDao.insertUser(
+    UsersTableCompanion.insert(id: _userId, name: 'Test'),
+  );
+  await db.accountsDao.insertAccount(
+    AccountsTableCompanion.insert(
+      id: _accountId,
+      userId: _userId,
+      name: 'Main',
+    ),
+  );
+}
+
+void _activateWorker(ProviderContainer c) {
+  c.listen(pendingMessagesProvider(_userId), (_, _) {}, fireImmediately: true);
+  c.read(parsingWorkerProvider(_userId));
+}
+
+Future<RawMessage> _waitTerminal(
+  RawMessagesRepository repo,
+  String id, {
+  Duration timeout = const Duration(seconds: 10),
+}) async {
+  const transient = {
+    RawMessageStatus.pending,
+    RawMessageStatus.parsing,
+    RawMessageStatus.pendingAi,
+  };
+  final completer = Completer<RawMessage>();
+  late final StreamSubscription<List<RawMessage>> sub;
+  sub = repo.watchAll(_userId).listen((list) {
+    for (final m in list) {
+      if (m.id == id && !transient.contains(m.status)) {
+        if (!completer.isCompleted) completer.complete(m);
+        return;
+      }
+    }
+  });
+  try {
+    return await completer.future.timeout(timeout);
+  } finally {
+    await sub.cancel();
+  }
+}
+
+void main() {
+  late AppDatabase db;
+  late ProviderContainer container;
+  late RawMessagesRepository repo;
+
+  Future<void> enableAi(ProviderContainer c) async {
+    final settings = c.read(parsingSettingsControllerProvider.notifier);
+    await c.read(parsingSettingsControllerProvider.future);
+    await settings.setAiConsent(true);
+  }
+
+  tearDown(() async {
+    container.dispose();
+    await db.close();
+  });
+
+  test('сообщение от пакета НЕ из allowlist → ignored, AI не вызывается',
+      () async {
+    var aiCalled = false;
+    db = AppDatabase.forTesting(NativeDatabase.memory());
+    await _seed(db);
+    // НИ одной строки source_apps → пакет не в allowlist.
+    container = ProviderContainer(overrides: [
+      appDatabaseProvider.overrideWithValue(db),
+      isOnlineProvider.overrideWith((ref) => Stream<bool>.value(true)),
+      aiParserProvider.overrideWith((ref) async => _fakeAiParser(
+            merchantRaw: 'LENTA',
+            amount: 1500,
+            onCall: () => aiCalled = true,
+          )),
+    ]);
+    repo = container.read(rawMessagesRepositoryProvider);
+    await enableAi(container);
+    _activateWorker(container);
+
+    final inserted = await repo.insertIncoming(
+      userId: _userId,
+      packageName: 'com.random.chat',
+      body: 'Payment of 1500 RUB at LENTA',
+      receivedAt: DateTime(2026, 5, 31, 12),
+    );
+
+    final msg = await _waitTerminal(repo, inserted.id);
+    expect(msg.status, RawMessageStatus.ignored);
+    expect(aiCalled, isFalse, reason: 'AI must not be called for non-allowlisted package');
+  });
+
+  test(
+      'включённый банк без карты + глобальный дефолт + правило категории '
+      '→ авто-применение на дефолтный счёт', () async {
+    db = AppDatabase.forTesting(NativeDatabase.memory());
+    await _seed(db);
+    container = ProviderContainer(overrides: [
+      appDatabaseProvider.overrideWithValue(db),
+      isOnlineProvider.overrideWith((ref) => Stream<bool>.value(true)),
+      aiParserProvider.overrideWith((ref) async =>
+          _fakeAiParser(merchantRaw: 'LENTA', amount: 1500)),
+    ]);
+    repo = container.read(rawMessagesRepositoryProvider);
+    await enableAi(container);
+
+    // Allowlist: банк включён.
+    await db.sourceAppsDao.insert(SourceAppsTableCompanion.insert(
+      id: 'src-1',
+      userId: _userId,
+      packageName: _bank,
+    ));
+    // Глобальный дефолтный счёт.
+    await container
+        .read(accountRepositoryProvider)
+        .setDefault(_accountId, _userId);
+    // Категория + правило merchant→category на «LENTA».
+    await db.categoriesDao.insertCategory(CategoriesTableCompanion.insert(
+      id: 'cat-1',
+      userId: _userId,
+      name: 'Продукты',
+    ));
+    await container.read(parseRulesRepositoryProvider).create(
+          userId: _userId,
+          kind: ParseRuleKind.merchantToCategory,
+          matchMode: MatchMode.contains,
+          pattern: 'LENTA',
+          categoryId: 'cat-1',
+        );
+    // AI draft amount score = 60; снижаем строгость, чтобы пройти gate.
+    await container
+        .read(parsingSettingsControllerProvider.notifier)
+        .setStrictness(50);
+
+    _activateWorker(container);
+
+    final inserted = await repo.insertIncoming(
+      userId: _userId,
+      packageName: _bank,
+      body: 'Payment of 1500 RUB at LENTA',
+      receivedAt: DateTime(2026, 5, 31, 12),
+    );
+
+    final msg = await _waitTerminal(repo, inserted.id);
+    expect(msg.status, RawMessageStatus.applied,
+        reason: 'lastParseError=${msg.lastParseError}');
+
+    // Создалась транзакция на дефолтном счёте.
+    final txns = await db.select(db.transactionsTable).get();
+    expect(txns, hasLength(1));
+    expect(txns.first.accountId, _accountId);
+    expect(txns.first.categoryId, 'cat-1');
+  });
+}
diff --git a/test/features/notification_parsing/integration/ai_processing_integration_test.dart b/test/features/notification_parsing/integration/ai_processing_integration_test.dart
index ec722e9..978500f 100644
--- a/test/features/notification_parsing/integration/ai_processing_integration_test.dart
+++ b/test/features/notification_parsing/integration/ai_processing_integration_test.dart
@@ -82,6 +82,15 @@ Future<void> _seed(AppDatabase db, {List<String> categories = const []}) async {
       name: 'Основной',
     ),
   );
+  // Allowlist: тестовый пакет должен быть включён, иначе воркер пометит
+  // сообщение `ignored` ещё до AI (§A).
+  await db.sourceAppsDao.insert(
+    SourceAppsTableCompanion.insert(
+      id: 'src-1',
+      userId: _userId,
+      packageName: 'com.example.bank',
+    ),
+  );
   var i = 0;
   for (final name in categories) {
     await db.categoriesDao.insertCategory(
diff --git a/test/features/notification_parsing/parser/account_resolver_test.dart b/test/features/notification_parsing/parser/account_resolver_test.dart
new file mode 100644
index 0000000..c6dcfdc
--- /dev/null
+++ b/test/features/notification_parsing/parser/account_resolver_test.dart
@@ -0,0 +1,187 @@
+import 'package:flutter_test/flutter_test.dart';
+import 'package:new_budget/src/features/notification_parsing/data/parser/account_resolver.dart';
+import 'package:new_budget/src/features/notification_parsing/domain/entities/account_binding.dart';
+import 'package:new_budget/src/features/notification_parsing/domain/entities/parse_rule.dart';
+import 'package:new_budget/src/features/notification_parsing/domain/enums.dart';
+import 'package:new_budget/src/features/notification_parsing/domain/repositories/account_bindings_repository.dart';
+
+const _userId = 'u1';
+const _pkg = 'ru.sberbankmobile';
+final _now = DateTime(2026, 1, 1);
+
+AccountBinding _binding({
+  required String id,
+  required String accountId,
+  String? cardLast4,
+  String? phone,
+  bool isDefault = false,
+}) =>
+    AccountBinding(
+      id: id,
+      userId: _userId,
+      packageName: _pkg,
+      cardLast4: cardLast4,
+      phone: phone,
+      accountId: accountId,
+      isDefault: isDefault,
+      createdAt: _now,
+    );
+
+ParseRule _senderRule(String pattern, String accountId) => ParseRule(
+      id: 'sr',
+      userId: _userId,
+      kind: ParseRuleKind.senderToAccount,
+      matchMode: MatchMode.contains,
+      pattern: pattern,
+      accountId: accountId,
+      createdAt: _now,
+    );
+
+/// Конфигурируемый фейк: возвращает заданные привязки из in-memory списка.
+class _FakeBindingsRepo implements AccountBindingsRepository {
+  _FakeBindingsRepo(this.bindings);
+  final List<AccountBinding> bindings;
+
+  @override
+  Future<AccountBinding?> findByPackageAndCard(
+    String userId,
+    String packageName,
+    String cardLast4,
+  ) async =>
+      bindings
+          .where((b) =>
+              b.packageName == packageName && b.cardLast4 == cardLast4)
+          .firstOrNull;
+
+  @override
+  Future<AccountBinding?> findByPhone(String userId, String phone) async =>
+      bindings.where((b) => b.phone == phone).firstOrNull;
+
+  @override
+  Future<List<AccountBinding>> findByPackageName(
+    String userId,
+    String packageName,
+  ) async =>
+      bindings.where((b) => b.packageName == packageName).toList();
+
+  @override
+  Future<AccountBinding?> findDefaultByPackageName(
+    String userId,
+    String packageName,
+  ) async =>
+      bindings
+          .where((b) => b.packageName == packageName && b.isDefault)
+          .firstOrNull;
+
+  @override
+  dynamic noSuchMethod(Invocation invocation) =>
+      throw UnimplementedError(invocation.memberName.toString());
+}
+
+Future<AccountResolution> _resolve(
+  List<AccountBinding> bindings, {
+  String? cardLast4,
+  String? phone,
+  List<ParseRule> senderRules = const [],
+  String? globalDefaultAccountId,
+  String body = 'Покупка 1240 ₽ Карта *3456 PYATEROCHKA',
+}) {
+  final resolver = AccountResolver(_FakeBindingsRepo(bindings));
+  return resolver.resolve(
+    userId: _userId,
+    packageName: _pkg,
+    body: body,
+    cardLast4: cardLast4,
+    phone: phone,
+    senderRules: senderRules,
+    globalDefaultAccountId: globalDefaultAccountId,
+  );
+}
+
+void main() {
+  group('AccountResolver.resolve (table B)', () {
+    test('#1 binding by package + card → 100, trusted', () async {
+      final r = await _resolve(
+        [_binding(id: 'b', accountId: 'acc-card', cardLast4: '3456')],
+        cardLast4: '3456',
+      );
+      expect(r.accountId, 'acc-card');
+      expect(r.score, 100);
+      expect(r.trusted, isTrue);
+      expect(r.source, AccountSource.bindingCard);
+    });
+
+    test('#1 binding by phone → 100, trusted', () async {
+      final r = await _resolve(
+        [_binding(id: 'b', accountId: 'acc-phone', phone: '+79990001122')],
+        phone: '+79990001122',
+      );
+      expect(r.accountId, 'acc-phone');
+      expect(r.score, 100);
+      expect(r.trusted, isTrue);
+      expect(r.source, AccountSource.bindingPhone);
+    });
+
+    test('#2 senderToAccount rule → 90, trusted', () async {
+      // Несколько привязок без default, чтобы single/default не перехватили,
+      // но правило отправителя имеет приоритет над ними.
+      final r = await _resolve(
+        [
+          _binding(id: 'b1', accountId: 'a1'),
+          _binding(id: 'b2', accountId: 'a2'),
+        ],
+        senderRules: [_senderRule('PYATEROCHKA', 'acc-rule')],
+      );
+      expect(r.accountId, 'acc-rule');
+      expect(r.score, 90);
+      expect(r.trusted, isTrue);
+      expect(r.source, AccountSource.senderRule);
+    });
+
+    test('#3 single binding by package → 75, trusted', () async {
+      final r = await _resolve([_binding(id: 'b', accountId: 'acc-single')]);
+      expect(r.accountId, 'acc-single');
+      expect(r.score, 75);
+      expect(r.trusted, isTrue);
+      expect(r.source, AccountSource.singleBinding);
+    });
+
+    test('#4 per-app default binding → 70, trusted', () async {
+      final r = await _resolve([
+        _binding(id: 'b1', accountId: 'a1'),
+        _binding(id: 'b2', accountId: 'acc-default', isDefault: true),
+      ]);
+      expect(r.accountId, 'acc-default');
+      expect(r.score, 70);
+      expect(r.trusted, isTrue);
+      expect(r.source, AccountSource.appDefault);
+    });
+
+    test('#5 multiple bindings, no default → 45, NOT trusted', () async {
+      final r = await _resolve([
+        _binding(id: 'b1', accountId: 'a1'),
+        _binding(id: 'b2', accountId: 'a2'),
+      ]);
+      expect(r.accountId, 'a1');
+      expect(r.score, 45);
+      expect(r.trusted, isFalse);
+      expect(r.source, AccountSource.ambiguous);
+    });
+
+    test('#6 global default account → 40, trusted', () async {
+      final r = await _resolve(const [], globalDefaultAccountId: 'acc-global');
+      expect(r.accountId, 'acc-global');
+      expect(r.score, 40);
+      expect(r.trusted, isTrue);
+      expect(r.source, AccountSource.globalDefault);
+    });
+
+    test('#7 nothing → null, 15, NOT trusted', () async {
+      final r = await _resolve(const []);
+      expect(r.accountId, isNull);
+      expect(r.score, 15);
+      expect(r.trusted, isFalse);
+      expect(r.source, AccountSource.none);
+    });
+  });
+}
diff --git a/test/features/notification_parsing/parser/decision_gate_test.dart b/test/features/notification_parsing/parser/decision_gate_test.dart
index 8438927..82f2812 100644
--- a/test/features/notification_parsing/parser/decision_gate_test.dart
+++ b/test/features/notification_parsing/parser/decision_gate_test.dart
@@ -24,14 +24,15 @@ const _strongScores = FieldScores(
 
 void main() {
   group('decide', () {
-    test('rule + sanity + scores ≥ strictness → autoApply', () {
+    test('rule + sanity + scores ≥ strictness + trusted → autoApply', () {
       final d = decide(
         merchantRule: _rule(),
         sanityPassed: true,
         scores: _strongScores,
         strictness: 85,
         amountMinor: 124000,
-        hasAccount: true,
+        accountResolved: true,
+        accountTrusted: true,
       );
       expect(d, GateDecision.autoApply);
     });
@@ -43,7 +44,8 @@ void main() {
         scores: _strongScores,
         strictness: 85,
         amountMinor: 124000,
-        hasAccount: true,
+        accountResolved: true,
+        accountTrusted: true,
       );
       expect(d, GateDecision.inbox);
     });
@@ -53,15 +55,16 @@ void main() {
         merchantRule: _rule(),
         sanityPassed: true,
         scores: const FieldScores(
-          amount: 100,
-          account: 45,
+          amount: 45,
+          account: 100,
           type: 100,
           merchant: 100,
           category: 100,
         ),
         strictness: 85,
         amountMinor: 124000,
-        hasAccount: true,
+        accountResolved: true,
+        accountTrusted: true,
       );
       expect(d, GateDecision.inbox);
     });
@@ -73,7 +76,21 @@ void main() {
         scores: _strongScores,
         strictness: 85,
         amountMinor: 124000,
-        hasAccount: false,
+        accountResolved: false,
+        accountTrusted: false,
+      );
+      expect(d, GateDecision.inbox);
+    });
+
+    test('untrusted account (ambiguous multi-binding) → inbox', () {
+      final d = decide(
+        merchantRule: _rule(),
+        sanityPassed: true,
+        scores: _strongScores,
+        strictness: 85,
+        amountMinor: 124000,
+        accountResolved: true,
+        accountTrusted: false,
       );
       expect(d, GateDecision.inbox);
     });
@@ -85,7 +102,8 @@ void main() {
         scores: _strongScores,
         strictness: 85,
         amountMinor: 100001 * 100,
-        hasAccount: true,
+        accountResolved: true,
+        accountTrusted: true,
       );
       expect(d, GateDecision.inbox);
     });
@@ -97,7 +115,8 @@ void main() {
         scores: _strongScores,
         strictness: 85,
         amountMinor: 124000,
-        hasAccount: true,
+        accountResolved: true,
+        accountTrusted: true,
       );
       expect(d, GateDecision.inbox);
     });
diff --git a/test/features/notification_parsing/parser/rule_lookup_test.dart b/test/features/notification_parsing/parser/rule_lookup_test.dart
index 3c78399..8892409 100644
--- a/test/features/notification_parsing/parser/rule_lookup_test.dart
+++ b/test/features/notification_parsing/parser/rule_lookup_test.dart
@@ -112,6 +112,48 @@ void main() {
     });
   });
 
+  group('findSenderRule', () {
+    const body = 'Покупка PYATEROCHKA 1240';
+
+    ParseRule sender({
+      required String id,
+      required String pattern,
+      String? accountId = 'acc1',
+      bool enabled = true,
+    }) =>
+        _rule(
+          id: id,
+          pattern: pattern,
+          kind: ParseRuleKind.senderToAccount,
+          enabled: enabled,
+          categoryId: null,
+        ).copyWith(accountId: accountId);
+
+    test('returns matching enabled sender rule', () {
+      final r = findSenderRule(
+        [sender(id: 's', pattern: 'PYATEROCHKA')],
+        body: body,
+      );
+      expect(r?.id, 's');
+    });
+
+    test('ignores rules without accountId', () {
+      final r = findSenderRule(
+        [sender(id: 's', pattern: 'PYATEROCHKA', accountId: null)],
+        body: body,
+      );
+      expect(r, isNull);
+    });
+
+    test('ignores merchant-kind rules', () {
+      final r = findSenderRule(
+        [_rule(id: 'm', pattern: 'PYATEROCHKA')],
+        body: body,
+      );
+      expect(r, isNull);
+    });
+  });
+
   group('findIgnoreRule', () {
     test('finds enabled ignore rule', () {
       final r = findIgnoreRule(