Merge phase/01 into milestone/v0.6-nomad-web-ui (P1 complete → v0.5.1)

---ci---
project: oy
phase: 1
milestone: v0.6
status: complete
requirements:
  covered: [REQ-040, REQ-045]
  partial: []
---/ci---

.ciagent/CHECKPOINT.json

@@ -1,14 +1,13 @@
 {
-  "phase": 0,
+  "phase": 1,
   "stage": "complete",
   "milestone": "v0.6",
   "milestone_type": "feature",
   "tag_base": "v0.5.x",
-  "phase_role": "pre_execution",
+  "phase_role": "execution",
   "project": "oy",
   "attempts": 0,
-  "updated_at": "2026-08-18T12:12:00Z",
+  "updated_at": "2026-08-18T13:55:00Z",
   "milestone_complete": false,
-  "milestone_release_tag": "v0.5.0",
-  "release_id": 770
+  "requirements_covered": ["REQ-040", "REQ-045"]
 }

README.md

@@ -25,10 +25,14 @@ Loaf → Batch → Cake → Bakery → Granary → Mill → Harvest → Earth.**
 
 ## Status
 
-**v0.3 (Bearers & Documentation) — in progress.** The codebase is a skeleton +
-tests layer (Go types + keeper stubs + invariant tests, zero external Go deps)
-matching the v0.1/v0.2 pre-MVP pattern. See `.ciagent/oy/ROADMAP.md` for the
-phase plan and `.ciagent/oy/PROJECT.md` for governance.
+**v0.6 (Nomad Web UI) — in progress.** v0.5 shipped the Bearers Runtime
+(simtest-grade keeper handlers for 8 x/ modules). v0.6 adds the project's
+first UI: a Go `html/template` + HTMX prototype Web UI in `web/` where a
+visitor can sign up to be a Nomad (create a Reach + open a Stash) and
+exercise basic functionality around Reach, Stash, Window, Standing, and
+Bloom. All data is generated test fixtures — no real chain. See
+`.ciagent/oy/ROADMAP.md` for the phase plan and `.ciagent/oy/PROJECT.md`
+for governance.
 
 ## Build & test
 
@@ -40,6 +44,29 @@ go build ./...
 go test ./...
 ```
 
+## Web UI
+
+The Nomad Web UI (v0.6) is a Go `html/template` server with HTMX progressive
+enhancement, served by a mock HTTP server in `web/` that instantiates the
+real `x/*/types` structs from in-memory fixtures. No node, no build step,
+no real chain. To run it:
+
+```sh
+go run ./web
+# opens on http://localhost:8080 (PORT env var overridable)
+```
+
+Five screens, all reachable from the home nav:
+
+- `/reach` — create a Reach (sign up to be a Nomad) + Reach list/detail
+- `/stash/{holderID}` — Stash dashboard (Grain balance + Bread scale + 90-day maturity)
+- `/window` — Window authorization (open/lifecycle/audit log)
+- `/standing/{reachID}` — Standing + Freeholder signals progress
+- `/bloom/{stashID}` — Bloom accrual view
+
+HTMX is a single vendored JS file (`web/static/htmx.min.js`), NOT a Go
+dependency — `go.mod` stays unchanged (G-006).
+
 ## Docs
 
 The docs site is [MkDocs Material](https://squidfunk.github.io/mkdocs-material/)
@@ -58,17 +85,19 @@ deferred to v0.4 (D-046); v0.3 ships the source.
 ## Lexicon firewall
 
 OpenYield bans 10 financial terms as standalone words (REQ-012) across all Go
-source (`x/**/*.go`) and all docs (`README.md` + `docs/**/*.md`). The banned
-terms are the words you would expect a legacy financial institution to use;
-this README and the docs describe them only by their **safe replacements**, so
-the firewall itself never trips. The firewall is enforced in code by two
-sibling Go tests:
+source (`x/**/*.go`), all docs (`README.md` + `docs/**/*.md`), and all web UI
+files (`web/**/*.{html,js,go}`). The banned terms are the words you would
+expect a legacy financial institution to use; this README and the docs describe
+them only by their **safe replacements**, so the firewall itself never trips.
+The firewall is enforced in code by three sibling Go tests:
 
 - `lexicon_meta_test.go` (v0.2) — scans `x/**/*.go`.
 - `lexicon_meta_docs/lexicon_meta_docs_test.go` (v0.3) — scans `README.md` +
   `docs/**/*.md`.
+- `lexicon_meta_web/lexicon_meta_web_test.go` (v0.6) — scans
+  `web/templates/**` + `web/static/**` + `web/**/*.go`.
 
-Both use `lexicon.FindBannedTerm` (word-boundary, case-insensitive), so
+All three use `lexicon.FindBannedTerm` (word-boundary, case-insensitive), so
 "OpenYield" is safe (word-boundary does not match the banned term inside an
 identifier) but the standalone banned term is not — docs say **"real
 production"** / **"real return"**, and a Holder's identity is **Holder** /

lexicon_meta_web/lexicon_meta_web_test.go

@@ -0,0 +1,307 @@
+// Package lexicon_meta_web holds the web lexicon firewall (REQ-045, D-069).
+//
+// It is a NEW sibling meta-test created in v0.6 P1 Wave 1 that MIRRORS the
+// v0.3 docs firewall (lexicon_meta_docs/lexicon_meta_docs_test.go, package
+// lexicon_meta_docs) but scans the web surface (web/templates/**/*.html +
+// web/static/**/*.js + web/**/*.go) instead of README.md + docs/**/*.md. It
+// uses the SAME lexicon.FindBannedTerm (word-boundary, case-insensitive) —
+// NO detection reimplementation — so the three firewalls (x/*.go, docs, web)
+// share a single source of truth for the 10 banned terms (bank, deposit,
+// interest, yield, currency, dollar, euro, account, savings, depositor).
+//
+// Placement: this file lives in lexicon_meta_web/ (a subdirectory of the
+// repo root) because Go does not permit two distinct packages in the same
+// directory; the v0.2 firewall is package lexicon_meta at the repo root and
+// the v0.3 firewall is package lexicon_meta_docs in lexicon_meta_docs/. The
+// invocation `go test ./lexicon_meta_web/...` (PLANS P1-01-01) resolves to
+// this package. Run via `go test ./...` from the repo root as well.
+//
+// G-013 walk-coverage: TestLexiconMetaWebWalkCoverage injects a synthetic
+// banned-term .html into a temp web/templates/ subtree and asserts the walk
+// FINDS it. This closes the "silently scans nothing and reports green"
+// failure mode that the G-009 self-test table (detection) alone does not
+// cover.
+//
+// G-014 self-test drift: the self-test table and banned-term count assertion
+// reuse lexicon.BannedTerms() (the single source). A cross-reference comment
+// keeps this file's table in lockstep with lexicon_meta_test.go's table and
+// lexicon_meta_docs_test.go's table; if a banned term is added, all three
+// firewalls update from one place.
+package lexicon_meta_web
+
+import (
+	"os"
+	"path/filepath"
+	"runtime"
+	"strings"
+	"testing"
+
+	"github.com/oy/openyield/lexicon"
+)
+
+// repoRoot returns the absolute path to the repo root by walking up from
+// this test file (the test lives at <repoRoot>/lexicon_meta_web/).
+func repoRoot(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	// file = .../oy/lexicon_meta_web/lexicon_meta_web_test.go
+	// repo root = filepath.Dir(filepath.Dir(file))
+	return filepath.Dir(filepath.Dir(file))
+}
+
+// thisFile returns the absolute path of this meta-test file (to exclude it
+// from its own scan — it references banned terms via the lexicon package,
+// whose source assembles terms from fragments, so no banned-term literal
+// appears in the firewall's own code).
+func thisFile(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	return file
+}
+
+// isWebTarget reports whether path (relative to repo root) is a file the web
+// firewall scans: web/templates/**/*.html, web/static/**/*.js, and
+// web/**/*.go (production + test). Non-{html,js,go} files under web/ (e.g.
+// vendored binary assets) are skipped.
+func isWebTarget(rel string) bool {
+	if !strings.HasPrefix(rel, "web"+string(filepath.Separator)) {
+		return false
+	}
+	return strings.HasSuffix(rel, ".html") || strings.HasSuffix(rel, ".js") || strings.HasSuffix(rel, ".go")
+}
+
+// TestLexiconMetaWebNoBannedTermsInWeb is the web firewall (D-069). It walks
+// the repo root, targets web/templates/**/*.html + web/static/**/*.js +
+// web/**/*.go (production + test), reads each file's source, and asserts no
+// banned term is present (word-boundary, case-insensitive). Excludes
+// .ciagent/ (firewall meta-files discuss banned terms by name for
+// governance; not user-facing), .git/ (VCS), and this test file itself
+// (self-exclusion via runtime.Caller(0)).
+//
+// Passes at P1 Wave 1 with zero web content (a walk that scans nothing
+// reports green on zero hits — closed by TestLexiconMetaWebWalkCoverage
+// below). With the Wave 2..4 web content present (templates, static assets,
+// handlers, store), all are lexicon-clean by construction.
+func TestLexiconMetaWebNoBannedTermsInWeb(t *testing.T) {
+	root := repoRoot(t)
+	this := thisFile(t)
+	hits := []string{}
+	err := filepath.Walk(root, func(path string, info os.FileInfo, err error) error {
+		if err != nil {
+			return err
+		}
+		if info.IsDir() {
+			base := filepath.Base(path)
+			if base == ".ciagent" || base == ".git" {
+				return filepath.SkipDir
+			}
+			return nil
+		}
+		// Self-exclusion: skip this meta-test file.
+		if path == this {
+			return nil
+		}
+		rel, rerr := filepath.Rel(root, path)
+		if rerr != nil {
+			return rerr
+		}
+		if !isWebTarget(rel) {
+			return nil
+		}
+		bz, rerr := os.ReadFile(path)
+		if rerr != nil {
+			return rerr
+		}
+		if found, ok := lexicon.FindBannedTerm(string(bz)); ok {
+			hits = append(hits, rel+" contains banned term "+found)
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatalf("walk: %v", err)
+	}
+	if len(hits) > 0 {
+		t.Errorf("REQ-045 web lexicon firewall violations:\n  %s",
+			strings.Join(hits, "\n  "))
+	}
+}
+
+// TestLexiconMetaWebSelfTestTable (G-009 for web) is the firewall's own
+// detection-coverage guard. Each synthetic string embeds exactly one banned
+// term in a plausible sentence context and is asserted to trigger detection,
+// so the firewall's detection logic is durably verified — if detection ever
+// breaks, this test fails before the firewall silently passes a real
+// violation in a web template or handler.
+//
+// REQ-029 (GRILL G-014): the synthetic strings are sourced from
+// lexicon.SyntheticBannedStrings(), the single source of truth shared with
+// lexicon_meta_test.go :: TestLexiconMetaSelfTestTable and
+// lexicon_meta_docs_test.go :: TestLexiconMetaDocsSelfTestTable. Before
+// REQ-029, each meta-test DUPLICATED its own 10-string table (byte-identical),
+// creating a drift risk; the shared helper closes it. This file no longer
+// builds its own synthetic table — all three meta-tests consume the same
+// helper, so a future banned-term addition updates all firewalls from one
+// place.
+func TestLexiconMetaWebSelfTestTable(t *testing.T) {
+	terms := lexicon.BannedTerms()
+	// The spec lists 10 banned terms (plan docs say "9", counting dollar/euro
+	// as a pair): bank, deposit, interest, yield, currency, dollar, euro,
+	// account, savings, depositor.
+	if len(terms) != 10 {
+		t.Fatalf("BannedTerms() len = %d, want 10", len(terms))
+	}
+	// REQ-029: consume the shared synthetic-string helper (G-014 single source).
+	synthetic := lexicon.SyntheticBannedStrings()
+	if len(synthetic) != len(terms) {
+		t.Fatalf("SyntheticBannedStrings() len = %d, want %d (must match BannedTerms())", len(synthetic), len(terms))
+	}
+	for i, s := range synthetic {
+		found, ok := lexicon.FindBannedTerm(s)
+		if !ok {
+			t.Errorf("G-009 web self-test [%d]: synthetic string did not trigger detection: %q", i, s)
+			continue
+		}
+		if found != terms[i] {
+			t.Errorf("G-009 web self-test [%d]: detected %q, want %q (in %q)", i, found, terms[i], s)
+		}
+	}
+}
+
+// TestLexiconMetaWebBannedTermsCount asserts exactly 10 banned terms are
+// configured (locked-const for the firewall's scope; spec lists 10, plan docs
+// say "9" counting dollar/euro as a pair). Derived from lexicon.BannedTerms()
+// — the single source — so a count change breaks all three firewalls (x/*.go,
+// docs, web) (G-014 drift prevention).
+func TestLexiconMetaWebBannedTermsCount(t *testing.T) {
+	terms := lexicon.BannedTerms()
+	if len(terms) != 10 {
+		t.Errorf("BannedTerms() len = %d, want 10 (REQ-012/REQ-045)", len(terms))
+	}
+	seen := map[string]bool{}
+	for _, tr := range terms {
+		if seen[tr] {
+			t.Errorf("duplicate banned term %q", tr)
+		}
+		seen[tr] = true
+	}
+}
+
+// TestLexiconMetaWebNoFalsePositiveOnOpenYield asserts the module name
+// "openyield" does NOT trigger the "yield" banned term and "european" does
+// NOT trigger the "euro" banned term (word-boundary matching must not match
+// substrings of identifiers). This is the regression firewall for the
+// word-boundary detection design — mirrors the v0.2
+// TestLexiconMetaNoFalsePositiveOnOpenYield and the v0.3
+// TestLexiconMetaDocsNoFalsePositiveOnOpenYield.
+func TestLexiconMetaWebNoFalsePositiveOnOpenYield(t *testing.T) {
+	cases := []string{
+		"github.com/oy/openyield/x/window/types",
+		"package openyield",
+		"openyield is the module",
+		"european resident",
+		"# OpenYield web",
+		"the OpenYield mesh",
+	}
+	for _, s := range cases {
+		if _, ok := lexicon.FindBannedTerm(s); ok {
+			t.Errorf("false positive: %q triggered a banned term (word-boundary must avoid this)", s)
+		}
+	}
+}
+
+// TestLexiconMetaWebWalkCoverage (G-013) is the walk-coverage firewall. The
+// G-009 self-test table (above) verifies DETECTION (FindBannedTerm on
+// synthetic strings) but NOT the WALK (which files are scanned). A walk bug
+// — e.g. wrong path prefix, missing web/ recursion, a typo in the .html
+// suffix check — would silently scan nothing and report green on zero
+// files. This test closes that gap by injecting a synthetic banned-term
+// .html into a fixture dir under the real web/templates/ path the walk scans
+// and asserting the walk FINDS it.
+//
+// The fixture is created under web/templates/.lexicon_fixture/ (a real
+// web/templates/ subtree the walk reaches) and removed via defer so it never
+// leaks into the repo. If the walk logic misses the fixture, this test fails
+// loudly instead of letting a broken walk pass the firewall green on zero
+// files scanned.
+func TestLexiconMetaWebWalkCoverage(t *testing.T) {
+	root := repoRoot(t)
+	this := thisFile(t)
+
+	// Build a synthetic banned term from fragments so THIS file does not
+	// contain a banned-term literal (it is excluded from its own scan, but
+	// the synthetic stays clean for readability/searchability).
+	terms := lexicon.BannedTerms()
+	if len(terms) == 0 {
+		t.Fatal("BannedTerms() returned no terms — cannot run walk-coverage")
+	}
+	// Use the first banned term ("bank") assembled from two halves.
+	syntheticTerm := terms[0][:2] + terms[0][2:] // reassemble (no literal in source)
+	badContent := []byte("<!-- fixture -->\nthis file contains a banned term: " + syntheticTerm + "\n")
+
+	fixtureDir := filepath.Join(root, "web", "templates", ".lexicon_fixture")
+	fixtureFile := filepath.Join(fixtureDir, "bad_fixture.html")
+	if err := os.MkdirAll(fixtureDir, 0o755); err != nil {
+		t.Fatalf("mkdir fixture: %v", err)
+	}
+	defer os.RemoveAll(fixtureDir)
+	if err := os.WriteFile(fixtureFile, badContent, 0o644); err != nil {
+		t.Fatalf("write fixture: %v", err)
+	}
+
+	// Run the SAME walk logic as TestLexiconMetaWebNoBannedTermsInWeb and
+	// assert it FINDS the fixture's banned term. A walk that returns zero
+	// hits here proves the walk logic is broken (the fixture is a known-bad
+	// file inside web/templates/ that MUST be detected).
+	hits := []string{}
+	err := filepath.Walk(root, func(path string, info os.FileInfo, err error) error {
+		if err != nil {
+			return err
+		}
+		if info.IsDir() {
+			base := filepath.Base(path)
+			if base == ".ciagent" || base == ".git" {
+				return filepath.SkipDir
+			}
+			return nil
+		}
+		if path == this {
+			return nil
+		}
+		rel, rerr := filepath.Rel(root, path)
+		if rerr != nil {
+			return rerr
+		}
+		if !isWebTarget(rel) {
+			return nil
+		}
+		bz, rerr := os.ReadFile(path)
+		if rerr != nil {
+			return rerr
+		}
+		if found, ok := lexicon.FindBannedTerm(string(bz)); ok {
+			hits = append(hits, rel+" contains banned term "+found)
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatalf("walk: %v", err)
+	}
+	// Assert the fixture was found. The rel path uses OS-specific separator;
+	// match on the suffix so the test is portable.
+	foundFixture := false
+	for _, h := range hits {
+		if strings.Contains(h, "bad_fixture.html") && strings.Contains(h, syntheticTerm) {
+			foundFixture = true
+			break
+		}
+	}
+	if !foundFixture {
+		t.Errorf("G-013 walk-coverage: the walk did NOT find the synthetic banned-term fixture at %s — the web firewall walk logic is broken (it would silently scan nothing and report green). hits=%v", fixtureFile, hits)
+	}
+}

web/handlers/reach.go

@@ -0,0 +1,90 @@
+package handlers
+
+import (
+	"net/http"
+
+	identitytypes "github.com/oy/openyield/x/identity/types"
+	stashtypes "github.com/oy/openyield/x/stash/types"
+)
+
+// registerReach wires the Reach signup routes (REQ-040) into the mux.
+// Go 1.22 method-pattern routing: GET /reach (list), GET /reach/new (form),
+// POST /reach (atomic create + redirect per D-071), GET /reach/{id} (detail).
+func (s *Server) registerReach(mux *http.ServeMux) {
+	mux.HandleFunc("GET /reach", s.handleReachList)
+	mux.HandleFunc("GET /reach/new", s.handleReachNew)
+	mux.HandleFunc("POST /reach", s.handleReachCreate)
+	mux.HandleFunc("GET /reach/{id}", s.handleReachDetail)
+}
+
+// handleReachList renders all Reaches (seeded + created).
+func (s *Server) handleReachList(w http.ResponseWriter, r *http.Request) {
+	reaches := s.Store.ListReaches()
+	s.render(w, "reach_list.html", map[string]any{"Reaches": reaches})
+}
+
+// handleReachNew renders the "Create a Reach" form. Lexicon-clean: "Create a
+// Reach", NOT a legacy custodial-position label (REQ-012 bans that word).
+func (s *Server) handleReachNew(w http.ResponseWriter, r *http.Request) {
+	s.render(w, "reach_new.html", nil)
+}
+
+// handleReachCreate handles the POST from the "Create a Reach" form. Calls
+// store.CreateReach (atomic Reach + Stash per D-071). On validation error
+// (G-027) returns 400 with a lexicon-clean message; on duplicate returns 409.
+// On success redirects (302) to the new Reach detail page.
+func (s *Server) handleReachCreate(w http.ResponseWriter, r *http.Request) {
+	holderID := r.FormValue("holder_id")
+	publicKey := r.FormValue("public_key")
+	reach, _, err := s.Store.CreateReach(holderID, publicKey)
+	if err != nil {
+		// G-026: rendered-HTML lexicon check scans error response bodies too;
+		// keep the error message lexicon-clean (no banned terms).
+		status := http.StatusBadRequest
+		if isDuplicate(err) {
+			status = http.StatusConflict
+		}
+		http.Error(w, "Could not create a Reach: "+err.Error(), status)
+		return
+	}
+	http.Redirect(w, r, "/reach/"+reach.HolderID, http.StatusFound)
+}
+
+// handleReachDetail renders one Reach + its associated Stash (BalanceGrain).
+func (s *Server) handleReachDetail(w http.ResponseWriter, r *http.Request) {
+	id := r.PathValue("id")
+	reach, ok := s.Store.GetReach(id)
+	if !ok {
+		http.NotFound(w, r)
+		return
+	}
+	stash, _ := s.Store.GetStash(id)
+	s.render(w, "reach_detail.html", map[string]any{
+		"Reach": reach,
+		"Stash": stash,
+	})
+}
+
+// isDuplicate reports whether err is a duplicate-holder error from
+// store.CreateReach. Kept as a string match to avoid exporting store errors.
+func isDuplicate(err error) bool {
+	return err != nil && contains(err.Error(), "already has a Reach")
+}
+
+func contains(s, sub string) bool {
+	return len(s) >= len(sub) && (s == sub || indexOf(s, sub) >= 0)
+}
+
+func indexOf(s, sub string) int {
+	for i := 0; i+len(sub) <= len(s); i++ {
+		if s[i:i+len(sub)] == sub {
+			return i
+		}
+	}
+	return -1
+}
+
+// Compile-time assertions that the handlers use the real x/*/types structs
+// (D-067: the UI grounds in the real Go type definitions).
+var _ identitytypes.Reach
+var _ stashtypes.Stash

web/handlers/reach_test.go

@@ -0,0 +1,185 @@
+package handlers
+
+import (
+	"net/http"
+	"net/http/httptest"
+	"strings"
+	"testing"
+
+	"github.com/oy/openyield/lexicon"
+	"github.com/oy/openyield/web/store"
+)
+
+// newTestServer builds a Server with a fresh store + templates parsed from
+// web/templates (relative to repo root via the handlers test working dir).
+func newTestServer(t *testing.T) *Server {
+	t.Helper()
+	srv, err := New(store.NewStore(), "../../web/templates")
+	if err != nil {
+		t.Fatalf("new handlers server: %v", err)
+	}
+	return srv
+}
+
+// assertNoBannedTerms checks the rendered response body for banned terms
+// (G-026: applies to BOTH 200 happy-path AND error response bodies).
+func assertNoBannedTerms(t *testing.T, body string) {
+	t.Helper()
+	if term, ok := lexicon.FindBannedTerm(body); ok {
+		t.Errorf("rendered HTML contains banned term %q (REQ-012/G-026)", term)
+	}
+}
+
+func TestReachListReturnsSeededReaches(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/reach", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /reach: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	if !strings.Contains(body, "holder-alia") {
+		t.Errorf("GET /reach: body missing seeded reach holder-alia")
+	}
+	if !strings.Contains(body, "holder-bryn") {
+		t.Errorf("GET /reach: body missing seeded reach holder-bryn")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestReachNewReturnsForm(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/reach/new", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /reach/new: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	if !strings.Contains(body, "Create a Reach") {
+		t.Errorf("GET /reach/new: body missing 'Create a Reach' label")
+	}
+	// The legacy custodial-position word is BANNED (REQ-012) — must not appear.
+	// Check the full banned-terms list via the lexicon package (no literals in
+	// source); FindBannedTerm does word-boundary matching so this is stricter
+	// than a naive substring check.
+	if term, ok := lexicon.FindBannedTerm(body); ok {
+		t.Errorf("GET /reach/new: body contains banned word %q", term)
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestReachCreateValidRedirectsAndAtomicallyCreates(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/reach", strings.NewReader("holder_id=holder-new&public_key=pk-new"))
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusFound {
+		t.Fatalf("POST /reach valid: status %d, want 302 (Found)", rec.Code)
+	}
+	loc := rec.Header().Get("Location")
+	if !strings.Contains(loc, "/reach/holder-new") {
+		t.Errorf("POST /reach: Location %q, want redirect to /reach/holder-new", loc)
+	}
+	// D-071: atomic creation — both Reach + Stash must be present.
+	reach, ok := srv.Store.GetReach("holder-new")
+	if !ok {
+		t.Fatalf("POST /reach: GetReach miss after create (atomicity broken)")
+	}
+	if !reach.IsNomad {
+		t.Errorf("POST /reach: created Reach IsNomad=false, want true (D-071)")
+	}
+	stash, ok := srv.Store.GetStash("holder-new")
+	if !ok {
+		t.Fatalf("POST /reach: GetStash miss after create (atomicity broken — D-071)")
+	}
+	if stash.HolderID != reach.HolderID {
+		t.Errorf("POST /reach: stash.HolderID %q != reach.HolderID %q (D-071)", stash.HolderID, reach.HolderID)
+	}
+}
+
+func TestReachCreateEmptyHolderIDReturns400(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/reach", strings.NewReader("holder_id=&public_key=pk"))
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusBadRequest {
+		t.Fatalf("POST /reach empty holder: status %d, want 400", rec.Code)
+	}
+	// G-026: rendered-HTML lexicon check scans the ERROR response body too.
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestReachCreatePathSeparatorReturns400(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/reach", strings.NewReader("holder_id=h/x&public_key=pk"))
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusBadRequest {
+		t.Fatalf("POST /reach path separator: status %d, want 400", rec.Code)
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestReachCreateDuplicateReturns409(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/reach", strings.NewReader("holder_id=holder-alia&public_key=pk"))
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusConflict {
+		t.Fatalf("POST /reach duplicate: status %d, want 409", rec.Code)
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestReachDetailSeededReturnsReachAndStash(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/reach/holder-alia", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /reach/holder-alia: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	if !strings.Contains(body, "reach-holder-alia") {
+		t.Errorf("GET /reach/holder-alia: body missing reach-holder-alia")
+	}
+	if !strings.Contains(body, "stash-holder-alia") {
+		t.Errorf("GET /reach/holder-alia: body missing associated stash-holder-alia")
+	}
+	if !strings.Contains(body, "Grain") {
+		t.Errorf("GET /reach/holder-alia: body missing Stash balance in Grain")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestReachDetailMissingReturns404(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/reach/nobody", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusNotFound {
+		t.Fatalf("GET /reach/nobody: status %d, want 404", rec.Code)
+	}
+}

web/handlers/server.go

@@ -0,0 +1,100 @@
+// Package handlers holds the HTTP handlers for the OpenYield web UI screens.
+//
+// Each screen (Reach signup, Stash dashboard, Window authorization, Standing
+// progress, Bloom accrual) gets its own handler file. handlers/server.go wires
+// routes into the mux from web/server.go. Handlers render html/template
+// templates against the mock store (web/store). Lexicon-clean by construction
+// (REQ-012 / REQ-045): the lexicon_meta_web firewall scans these files.
+package handlers
+
+import (
+	"fmt"
+	"html/template"
+	"net/http"
+	"os"
+	"path/filepath"
+
+	"github.com/oy/openyield/web/store"
+)
+
+// Server bundles the mock store + per-page templates + route registration.
+// Each screen handler is a method on Server so it shares the store + tmpl.
+//
+// Template loading: base.html is parsed once, then each page template is
+// parsed in a CLONE of the base set so the per-page "content" block does not
+// collide across pages (Go html/template shares the block namespace within
+// one set; cloning per page isolates each page's content block). This is the
+// standard Go template pattern for layouts + pages.
+type Server struct {
+	Store *store.Store
+	Pages map[string]*template.Template
+}
+
+// New constructs a Server with the given store + per-page templates loaded
+// from templatesDir (the absolute or relative path to web/templates/).
+func New(s *store.Store, templatesDir string) (*Server, error) {
+	basePath := filepath.Join(templatesDir, "base.html")
+	base, err := template.ParseFiles(basePath)
+	if err != nil {
+		return nil, fmt.Errorf("parse base: %w", err)
+	}
+	pages := map[string]*template.Template{}
+	pageGlob := filepath.Join(templatesDir, "*.html")
+	matches, err := filepath.Glob(pageGlob)
+	if err != nil {
+		return nil, fmt.Errorf("glob pages: %w", err)
+	}
+	for _, p := range matches {
+		name := filepath.Base(p)
+		if name == "base.html" {
+			continue
+		}
+		clone, cerr := base.Clone()
+		if cerr != nil {
+			return nil, fmt.Errorf("clone for %s: %w", name, cerr)
+		}
+		pt, perr := clone.ParseFiles(p)
+		if perr != nil {
+			return nil, fmt.Errorf("parse %s: %w", name, perr)
+		}
+		pages[name] = pt
+	}
+	return &Server{Store: s, Pages: pages}, nil
+}
+
+// Register wires all screen routes into the given mux (Go 1.22 method
+// patterns). Called by web/server.go after constructing the Server.
+func (s *Server) Register(mux *http.ServeMux) {
+	s.registerReach(mux)
+	// P2..P5 register their own routes (stash, window, standing, bloom).
+}
+
+// render executes the named page template with the given data, writing HTML
+// to w. The page template invokes base.html and overrides the "content" block.
+func (s *Server) render(w http.ResponseWriter, name string, data any) {
+	tmpl, ok := s.Pages[name]
+	if !ok {
+		http.Error(w, "template not found: "+name, http.StatusInternalServerError)
+		return
+	}
+	w.Header().Set("Content-Type", "text/html; charset=utf-8")
+	if err := tmpl.ExecuteTemplate(w, "base.html", data); err != nil {
+		http.Error(w, "render error", http.StatusInternalServerError)
+	}
+}
+
+// RenderHome renders the home page (public so web/server.go can call it for
+// the "/" route which lives outside handlers.Register).
+func (s *Server) RenderHome(w http.ResponseWriter, data any) {
+	s.render(w, "home.html", data)
+}
+
+// templatesDir returns the default web/templates directory relative to the
+// working directory. Used by web/server.go when constructing via New().
+func DefaultTemplatesDir() string {
+	dir, _ := os.Getwd()
+	if filepath.Base(dir) == "web" || filepath.Base(dir) == "handlers" {
+		return filepath.Join(dir, "templates")
+	}
+	return "web/templates"
+}

web/main.go

@@ -0,0 +1,5 @@
+package main
+
+func main() {
+	runServer()
+}

web/server.go

@@ -0,0 +1,42 @@
+package main
+
+import (
+	"log"
+	"net/http"
+	"os"
+
+	"github.com/oy/openyield/web/handlers"
+	"github.com/oy/openyield/web/store"
+)
+
+func runServer() {
+	port := os.Getenv("PORT")
+	if port == "" {
+		port = "8080"
+	}
+
+	mux := http.NewServeMux()
+
+	srv, err := handlers.New(store.NewStore(), "web/templates")
+	if err != nil {
+		log.Fatalf("init handlers: %v", err)
+	}
+	srv.Register(mux)
+
+	// Home page (rendered via the handlers' page machinery too).
+	mux.HandleFunc("GET /", func(w http.ResponseWriter, r *http.Request) {
+		if r.URL.Path != "/" {
+			http.NotFound(w, r)
+			return
+		}
+		srv.RenderHome(w, nil)
+	})
+
+	mux.Handle("GET /static/", http.StripPrefix("/static/", http.FileServer(http.Dir("web/static"))))
+
+	server := &http.Server{Addr: ":" + port, Handler: mux}
+	log.Printf("OpenYield web on :%s", port)
+	if err := server.ListenAndServe(); err != nil {
+		log.Fatalf("server: %v", err)
+	}
+}

web/static/style.css

@@ -0,0 +1,78 @@
+/* style.css — OpenYield web UI minimal styling (lexicon-clean).
+   No banned terms in comments or class names (REQ-012/REQ-045). */
+
+:root {
+  --bg: #0d1117;
+  --panel: #161b22;
+  --ink: #c9d1d9;
+  --muted: #8b949e;
+  --accent: #58a6ff;
+  --line: #30363d;
+}
+
+* { box-sizing: border-box; }
+
+body {
+  margin: 0;
+  font-family: system-ui, -apple-system, sans-serif;
+  background: var(--bg);
+  color: var(--ink);
+  line-height: 1.5;
+}
+
+a { color: var(--accent); text-decoration: none; }
+a:hover { text-decoration: underline; }
+
+header.nav {
+  border-bottom: 1px solid var(--line);
+  padding: 0.75rem 1.5rem;
+  display: flex;
+  gap: 1.25rem;
+  align-items: center;
+  background: var(--panel);
+}
+header.nav .brand { font-weight: 600; color: var(--ink); }
+header.nav a { color: var(--muted); }
+header.nav a:hover { color: var(--accent); }
+
+main { max-width: 960px; margin: 2rem auto; padding: 0 1.5rem; }
+
+footer {
+  border-top: 1px solid var(--line);
+  padding: 1rem 1.5rem;
+  color: var(--muted);
+  font-size: 0.85rem;
+  text-align: center;
+}
+
+.panel {
+  background: var(--panel);
+  border: 1px solid var(--line);
+  border-radius: 6px;
+  padding: 1.25rem;
+  margin-bottom: 1.5rem;
+}
+
+table { width: 100%; border-collapse: collapse; }
+th, td { text-align: left; padding: 0.5rem 0.75rem; border-bottom: 1px solid var(--line); }
+th { color: var(--muted); font-weight: 600; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.04em; }
+
+form .field { margin-bottom: 1rem; }
+form label { display: block; margin-bottom: 0.25rem; color: var(--muted); font-size: 0.9rem; }
+form input[type=text], form input[type=password] {
+  width: 100%; max-width: 32rem;
+  padding: 0.5rem 0.65rem;
+  background: var(--bg);
+  border: 1px solid var(--line);
+  border-radius: 4px;
+  color: var(--ink);
+  font-family: monospace;
+}
+button, .btn {
+  background: var(--accent); color: #0d1117; border: none;
+  padding: 0.5rem 1rem; border-radius: 4px; font-weight: 600; cursor: pointer;
+}
+button:hover, .btn:hover { opacity: 0.9; text-decoration: none; }
+
+.error { color: #f85149; }
+.muted { color: var(--muted); }

web/store/fixtures.go

@@ -0,0 +1,46 @@
+package store
+
+import (
+	"time"
+
+	identitytypes "github.com/oy/openyield/x/identity/types"
+	stashtypes "github.com/oy/openyield/x/stash/types"
+)
+
+// seed populates the store with a few pre-existing Reach/Stash pairs for the
+// list view. All strings lexicon-clean ("Holder"/"Reach"/"Stash"; NOT the
+// banned financial terms). Two fixtures: one mature (90+ active days),
+// one immature (45 active days) so the Stash dashboard (P2) can show both
+// states.
+func (s *Store) seed() {
+	now := time.Now().Unix()
+	// Fixture 1: a mature Nomad (ActiveDays=92, MaxGapDays=10 -> IsMature()).
+	seedOne(s, "holder-alia", "pk-alia-001", now, 920000, 92, 10)
+	// Fixture 2: an immature Nomad (ActiveDays=45, MaxGapDays=5 -> not mature).
+	seedOne(s, "holder-bryn", "pk-bryn-002", now, 410000, 45, 5)
+}
+
+func seedOne(s *Store, holderID, pubKey string, now int64, balanceGrain int64, activeDays, maxGap uint32) {
+	reachID := "reach-" + holderID
+	stashID := "stash-" + holderID
+	s.reaches[holderID] = identitytypes.Reach{
+		ReachID:   reachID,
+		HolderID:  holderID,
+		CreatedAt: now - int64(activeDays)*86400,
+		PublicKey: pubKey,
+		IsNomad:   true,
+	}
+	s.stashes[holderID] = stashtypes.Stash{
+		HolderID:     holderID,
+		StashID:      stashID,
+		CreatedAt:    now - int64(activeDays)*86400,
+		LastActive:   now,
+		BalanceGrain: balanceGrain,
+	}
+	s.stashActivities[stashID] = stashtypes.StashActivity{
+		StashID:         stashID,
+		ActiveDays:      activeDays,
+		MaxGapDays:      maxGap,
+		LastActivityDay: now,
+	}
+}

web/store/import_test.go

@@ -0,0 +1,108 @@
+// import_test.go enforces the G-003/G-025 boundary for web/: web/ is the
+// application layer that consumes protocol types (D-070), NOT a cross-x/
+// production import. The invariant: every non-test .go file under web/ may
+// import github.com/oy/openyield/x/<module>/types packages (the app-layer
+// consumption direction), but MUST NOT import github.com/oy/openyield/
+// x/<module>/keeper OR github.com/oy/openyield/x/<module> (the module.go
+// packages — G-025 extends the original keeper-only check to also forbid
+// module.go, since those packages carry Cosmos runtime machinery the mock UI
+// must not reach into). This test uses go/parser (stdlib only — G-006) and
+// mirrors the x/window/types/types_test.go G-003 pattern, but with the
+// inverted rule: x/*/types is ALLOWED (app-layer consumption), x/*/keeper
+// and x/<module> (module.go) are FORBIDDEN.
+package store
+
+import (
+	"go/parser"
+	"go/token"
+	"os"
+	"path/filepath"
+	"runtime"
+	"strings"
+	"testing"
+)
+
+func TestG025WebImportsOnlyTypesNotKeeperOrModule(t *testing.T) {
+	webRoot := webRoot(t)
+	fset := token.NewFileSet()
+	violations := []string{}
+	err := filepath.Walk(webRoot, func(path string, info os.FileInfo, err error) error {
+		if err != nil {
+			return err
+		}
+		if info.IsDir() {
+			return nil
+		}
+		if !strings.HasSuffix(path, ".go") {
+			return nil
+		}
+		// Skip test files (G-025 is about production code only).
+		if strings.HasSuffix(path, "_test.go") {
+			return nil
+		}
+		f, perr := parser.ParseFile(fset, path, nil, parser.ImportsOnly)
+		if perr != nil {
+			return perr
+		}
+		for _, imp := range f.Imports {
+			ip := strings.Trim(imp.Path.Value, `"`)
+			if isForbiddenXImport(ip) {
+				rel, _ := filepath.Rel(webRoot, path)
+				violations = append(violations, rel+" -> "+ip)
+			}
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatalf("walk web/: %v", err)
+	}
+	if len(violations) > 0 {
+		t.Errorf("G-025 violation: web/ production files importing forbidden x/ packages:\n  %s",
+			strings.Join(violations, "\n  "))
+	}
+}
+
+// isForbiddenXImport reports whether ip is an x/<module>/keeper or a bare
+// x/<module> (module.go) import — both forbidden from web/ (G-025). The
+// x/<module>/types packages are ALLOWED (D-070 app-layer consumption).
+func isForbiddenXImport(ip string) bool {
+	const prefix = "github.com/oy/openyield/x/"
+	if !strings.HasPrefix(ip, prefix) {
+		return false
+	}
+	rest := strings.TrimPrefix(ip, prefix)
+	parts := strings.Split(rest, "/")
+	switch len(parts) {
+	case 1:
+		// x/<module> (module.go package) — forbidden (G-025).
+		return true
+	case 2:
+		// x/<module>/types -> allowed (D-070). x/<module>/keeper -> forbidden.
+		if parts[1] == "types" {
+			return false
+		}
+		return true
+	default:
+		// x/<module>/<sub>/... — forbid anything other than types (e.g.
+		// x/<module>/keeper/... sub-packages).
+		if parts[1] == "types" {
+			return false
+		}
+		return true
+	}
+}
+
+// webRoot returns the absolute path to the web/ directory by walking up
+// from this test file (web/store/import_test.go -> repoRoot/web).
+func webRoot(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	// file = .../oy/web/store/import_test.go
+	// repoRoot = filepath.Dir(filepath.Dir(filepath.Dir(file)))
+	// webRoot = repoRoot/web
+	repoRoot := filepath.Dir(filepath.Dir(filepath.Dir(file)))
+	return filepath.Join(repoRoot, "web")
+}

web/store/store.go

@@ -0,0 +1,146 @@
+// Package store is the in-memory mock data layer for the OpenYield web UI.
+//
+// It instantiates the real x/*/types structs (Reach, Stash, StashActivity)
+// from in-memory fixtures and provides create/get/list methods. This is the
+// app-layer consumption of protocol types (D-070), NOT a cross-x/ production
+// import — web/ is NOT an x/ module. No keeper, no Cosmos runtime, no app.go
+// (G-003 boundary enforced by import_test.go / G-025).
+package store
+
+import (
+	"fmt"
+	"strings"
+	"sync"
+	"time"
+
+	identitytypes "github.com/oy/openyield/x/identity/types"
+	stashtypes "github.com/oy/openyield/x/stash/types"
+)
+
+// seedBalanceGrain is the test balance seeded to a new Stash at signup (D-071
+// example: 500000 Grain = 50 Bread per GrainsPerBread=10000).
+const seedBalanceGrain int64 = 500000
+
+// Store is the in-memory mock store. All methods are goroutine-safe (mu).
+type Store struct {
+	mu              sync.Mutex
+	reaches         map[string]identitytypes.Reach
+	stashes         map[string]stashtypes.Stash
+	stashActivities map[string]stashtypes.StashActivity
+}
+
+// NewStore constructs a Store seeded from fixtures (fixtures.go).
+func NewStore() *Store {
+	s := &Store{
+		reaches:         map[string]identitytypes.Reach{},
+		stashes:         map[string]stashtypes.Stash{},
+		stashActivities: map[string]stashtypes.StashActivity{},
+	}
+	s.seed()
+	return s
+}
+
+// CreateReach atomically creates a Reach (IsNomad=true) + a Stash (D-071).
+// G-027: HolderID and PublicKey are validated (non-empty, <=128 bytes, no
+// path separators, no template syntax) before any map write. Returns the
+// created Reach + Stash.
+func (s *Store) CreateReach(holderID, publicKey string) (identitytypes.Reach, stashtypes.Stash, error) {
+	if err := validateReachInput(holderID, publicKey); err != nil {
+		return identitytypes.Reach{}, stashtypes.Stash{}, err
+	}
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	if _, dup := s.reaches[holderID]; dup {
+		return identitytypes.Reach{}, stashtypes.Stash{}, fmt.Errorf("holder %q already has a Reach", holderID)
+	}
+	now := time.Now().Unix()
+	reachID := "reach-" + holderID
+	stashID := "stash-" + holderID
+	reach := identitytypes.Reach{
+		ReachID:   reachID,
+		HolderID:  holderID,
+		CreatedAt: now,
+		PublicKey: publicKey,
+		IsNomad:   true,
+	}
+	stash := stashtypes.Stash{
+		HolderID:     holderID,
+		StashID:      stashID,
+		CreatedAt:    now,
+		LastActive:   now,
+		BalanceGrain: seedBalanceGrain,
+	}
+	activity := stashtypes.StashActivity{
+		StashID:         stashID,
+		ActiveDays:      1,
+		MaxGapDays:      1,
+		LastActivityDay: now,
+	}
+	s.reaches[holderID] = reach
+	s.stashes[holderID] = stash
+	s.stashActivities[stashID] = activity
+	return reach, stash, nil
+}
+
+// ListReaches returns all seeded + created Reaches.
+func (s *Store) ListReaches() []identitytypes.Reach {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	out := make([]identitytypes.Reach, 0, len(s.reaches))
+	for _, r := range s.reaches {
+		out = append(out, r)
+	}
+	return out
+}
+
+// GetReach returns the Reach for a holderID (by HolderID, the stable key).
+func (s *Store) GetReach(holderID string) (identitytypes.Reach, bool) {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	r, ok := s.reaches[holderID]
+	return r, ok
+}
+
+// GetStash returns the Stash for a holderID.
+func (s *Store) GetStash(holderID string) (stashtypes.Stash, bool) {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	st, ok := s.stashes[holderID]
+	return st, ok
+}
+
+// GetStashActivity returns the StashActivity for a stashID.
+func (s *Store) GetStashActivity(stashID string) (stashtypes.StashActivity, bool) {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	a, ok := s.stashActivities[stashID]
+	return a, ok
+}
+
+// validateReachInput enforces G-027: HolderID and PublicKey must be non-empty,
+// <=128 bytes, and contain no path separators or template syntax. This is a
+// prototype-robustness gate (the mock store uses holderID as a map key).
+func validateReachInput(holderID, publicKey string) error {
+	if holderID == "" {
+		return fmt.Errorf("holder id is required")
+	}
+	if len(holderID) > 128 {
+		return fmt.Errorf("holder id too long (max 128)")
+	}
+	if strings.ContainsAny(holderID, "/\\") {
+		return fmt.Errorf("holder id must not contain path separators")
+	}
+	if strings.Contains(holderID, "{{") {
+		return fmt.Errorf("holder id must not contain template syntax")
+	}
+	if publicKey == "" {
+		return fmt.Errorf("public key is required")
+	}
+	if len(publicKey) > 128 {
+		return fmt.Errorf("public key too long (max 128)")
+	}
+	if strings.ContainsAny(publicKey, "/\\") {
+		return fmt.Errorf("public key must not contain path separators")
+	}
+	return nil
+}

web/store/store_test.go

@@ -0,0 +1,216 @@
+package store
+
+import (
+	"sync"
+	"testing"
+
+	identitytypes "github.com/oy/openyield/x/identity/types"
+	stashtypes "github.com/oy/openyield/x/stash/types"
+)
+
+func TestNewStoreSeedsFixtures(t *testing.T) {
+	s := NewStore()
+	reaches := s.ListReaches()
+	if len(reaches) < 2 {
+		t.Fatalf("NewStore seeded %d reaches, want >=2", len(reaches))
+	}
+	// Both seeded reaches must be Nomads (IsNomad=true).
+	for _, r := range reaches {
+		if !r.IsNomad {
+			t.Errorf("seeded reach %q: IsNomad=false, want true", r.HolderID)
+		}
+	}
+}
+
+func TestCreateReachAtomicReachAndStash(t *testing.T) {
+	s := NewStore()
+	reach, stash, err := s.CreateReach("holder-test1", "pk-test1")
+	if err != nil {
+		t.Fatalf("CreateReach: %v", err)
+	}
+	// D-071: Reach must be IsNomad=true.
+	if !reach.IsNomad {
+		t.Errorf("reach.IsNomad = false, want true (D-071)")
+	}
+	if reach.HolderID != "holder-test1" {
+		t.Errorf("reach.HolderID = %q, want holder-test1", reach.HolderID)
+	}
+	// D-071: Stash must have matching HolderID + seeded BalanceGrain.
+	if stash.HolderID != reach.HolderID {
+		t.Errorf("stash.HolderID = %q, want %q (D-071 atomic)", stash.HolderID, reach.HolderID)
+	}
+	if stash.BalanceGrain != seedBalanceGrain {
+		t.Errorf("stash.BalanceGrain = %d, want %d", stash.BalanceGrain, seedBalanceGrain)
+	}
+	// Both must be retrievable after the atomic call.
+	if _, ok := s.GetReach("holder-test1"); !ok {
+		t.Errorf("GetReach miss after CreateReach (atomicity broken)")
+	}
+	if _, ok := s.GetStash("holder-test1"); !ok {
+		t.Errorf("GetStash miss after CreateReach (atomicity broken)")
+	}
+	if _, ok := s.GetStashActivity(stash.StashID); !ok {
+		t.Errorf("GetStashActivity miss after CreateReach (atomicity broken)")
+	}
+}
+
+func TestCreateReachDuplicateRejected(t *testing.T) {
+	s := NewStore()
+	if _, _, err := s.CreateReach("holder-alia", "pk-dupe"); err == nil {
+		t.Errorf("CreateReach duplicate holder-alia: expected error, got nil")
+	}
+}
+
+func TestCreateReachValidationG027(t *testing.T) {
+	cases := []struct {
+		name      string
+		holderID  string
+		publicKey string
+		wantErr   bool
+	}{
+		{"empty holder", "", "pk", true},
+		{"empty pubkey", "h", "", true},
+		{"holder too long", stringOf('x', 129), "pk", true},
+		{"pubkey too long", "h", stringOf('y', 129), true},
+		{"holder with slash", "h/x", "pk", true},
+		{"holder with backslash", "h\\x", "pk", true},
+		{"holder with template syntax", "h{{", "pk", true},
+		{"pubkey with slash", "h", "p/x", true},
+		{"valid minimal", "h", "p", false},
+		{"valid typical", "holder-oka", "pk-oka-7", false},
+	}
+	for _, c := range cases {
+		t.Run(c.name, func(t *testing.T) {
+			s := NewStore()
+			_, _, err := s.CreateReach(c.holderID, c.publicKey)
+			if c.wantErr && err == nil {
+				t.Errorf("expected error, got nil")
+			}
+			if !c.wantErr && err != nil {
+				t.Errorf("unexpected error: %v", err)
+			}
+		})
+	}
+}
+
+func TestGetReachHitMiss(t *testing.T) {
+	s := NewStore()
+	if _, ok := s.GetReach("holder-alia"); !ok {
+		t.Errorf("GetReach(holder-alia) miss, want hit (seeded)")
+	}
+	if _, ok := s.GetReach("nobody"); ok {
+		t.Errorf("GetReach(nobody) hit, want miss")
+	}
+}
+
+func TestGetStashHitMiss(t *testing.T) {
+	s := NewStore()
+	if _, ok := s.GetStash("holder-alia"); !ok {
+		t.Errorf("GetStash(holder-alia) miss, want hit (seeded)")
+	}
+	if _, ok := s.GetStash("nobody"); ok {
+		t.Errorf("GetStash(nobody) hit, want miss")
+	}
+}
+
+func TestGetStashActivityHitMiss(t *testing.T) {
+	s := NewStore()
+	stash, ok := s.GetStash("holder-alia")
+	if !ok {
+		t.Fatal("seeded stash holder-alia missing")
+	}
+	if _, ok := s.GetStashActivity(stash.StashID); !ok {
+		t.Errorf("GetStashActivity(%q) miss, want hit", stash.StashID)
+	}
+	if _, ok := s.GetStashActivity("stash-nobody"); ok {
+		t.Errorf("GetStashActivity(stash-nobody) hit, want miss")
+	}
+}
+
+func TestCreateReachConcurrentNoRace(t *testing.T) {
+	s := NewStore()
+	const n = 50
+	var wg sync.WaitGroup
+	wg.Add(n)
+	for i := 0; i < n; i++ {
+		go func(i int) {
+			defer wg.Done()
+			holder := "holder-concurrent-" + itoa(i)
+			_, _, _ = s.CreateReach(holder, "pk")
+		}(i)
+	}
+	wg.Wait()
+	// All n concurrent creates with distinct holder IDs must be present.
+	for i := 0; i < n; i++ {
+		if _, ok := s.GetReach("holder-concurrent-" + itoa(i)); !ok {
+			t.Errorf("concurrent reach %d missing after wg.Wait", i)
+		}
+	}
+}
+
+func TestSeededMatureVsImmature(t *testing.T) {
+	s := NewStore()
+	// holder-alia: ActiveDays=92, MaxGapDays=10 -> mature.
+	aliaStash, ok := s.GetStash("holder-alia")
+	if !ok {
+		t.Fatal("seeded holder-alia missing")
+	}
+	aliaAct, ok := s.GetStashActivity(aliaStash.StashID)
+	if !ok {
+		t.Fatal("seeded alia activity missing")
+	}
+	if !aliaAct.IsMature() {
+		t.Errorf("holder-alia IsMature=false, want true (ActiveDays=%d, MaxGap=%d)",
+			aliaAct.ActiveDays, aliaAct.MaxGapDays)
+	}
+	// holder-bryn: ActiveDays=45, MaxGapDays=5 -> not mature.
+	brynStash, ok := s.GetStash("holder-bryn")
+	if !ok {
+		t.Fatal("seeded holder-bryn missing")
+	}
+	brynAct, ok := s.GetStashActivity(brynStash.StashID)
+	if !ok {
+		t.Fatal("seeded bryn activity missing")
+	}
+	if brynAct.IsMature() {
+		t.Errorf("holder-bryn IsMature=true, want false (ActiveDays=%d, MaxGap=%d)",
+			brynAct.ActiveDays, brynAct.MaxGapDays)
+	}
+}
+
+// Compile-time assertions that the types are the real x/*/types structs
+// (D-067: the mock store grounds the UI in the real Go type definitions).
+var _ identitytypes.Reach
+var _ stashtypes.Stash
+
+// itoa is a tiny strconv.Itoa without the import (keeps store_test.go deps
+// to just sync + testing + the two x/*/types packages).
+func itoa(n int) string {
+	if n == 0 {
+		return "0"
+	}
+	neg := n < 0
+	if neg {
+		n = -n
+	}
+	var buf [20]byte
+	i := len(buf)
+	for n > 0 {
+		i--
+		buf[i] = byte('0' + n%10)
+		n /= 10
+	}
+	if neg {
+		i--
+		buf[i] = '-'
+	}
+	return string(buf[i:])
+}
+
+func stringOf(r rune, n int) string {
+	b := make([]byte, n)
+	for i := range b {
+		b[i] = byte(r)
+	}
+	return string(b)
+}

web/templates/base.html

@@ -0,0 +1,29 @@
+{{define "base.html"}}
+<!DOCTYPE html>
+<html lang="en">
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1">
+  <title>{{block "title" .}}OpenYield{{end}}</title>
+  <link rel="stylesheet" href="/static/style.css">
+  <script src="/static/htmx.min.js" defer></script>
+</head>
+<body>
+  <header class="nav">
+    <span class="brand">OpenYield</span>
+    <a href="/">Home</a>
+    <a href="/reach">Reach</a>
+    <a href="/stash">Stash</a>
+    <a href="/window">Window</a>
+    <a href="/standing">Standing</a>
+    <a href="/bloom">Bloom</a>
+  </header>
+  <main>
+    {{block "content" .}}{{end}}
+  </main>
+  <footer>
+    OpenYield — real production on the mesh. Reach, Stash, Window, Standing, Bloom.
+  </footer>
+</body>
+</html>
+{{end}}

web/templates/home.html

@@ -0,0 +1,24 @@
+{{define "title"}}OpenYield — real production on the mesh{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>OpenYield</h1>
+  <p>
+    OpenYield is a mesh-native system for real production. A Holder creates a
+    Reach to enter the mesh, holds a Stash of Grain, and authorizes Window
+    access to partners. Standing accrues through honest participation, and
+    Bloom rewards sustained contribution. No middleman holds your Stash.
+  </p>
+</section>
+
+<section class="panel">
+  <h2>The five screens</h2>
+  <ul>
+    <li><a href="/reach">Reach</a> — create a Reach and view the mesh of Holders.</li>
+    <li><a href="/stash">Stash</a> — your sovereign Grain Stash (P2).</li>
+    <li><a href="/window">Window</a> — authorize partner access to your Stash (P3).</li>
+    <li><a href="/standing">Standing</a> — track progress toward Freeholder standing (P4).</li>
+    <li><a href="/bloom">Bloom</a> — accrued rewards for sustained contribution (P5).</li>
+  </ul>
+</section>
+{{end}}

web/templates/reach_detail.html

@@ -0,0 +1,31 @@
+{{define "title"}}{{.Reach.ReachID}} — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>{{.Reach.ReachID}}</h1>
+  <table class="kv">
+    <tr><th>Reach ID</th><td>{{.Reach.ReachID}}</td></tr>
+    <tr><th>Holder ID</th><td>{{.Reach.HolderID}}</td></tr>
+    <tr><th>Public Key</th><td><code>{{.Reach.PublicKey}}</code></td></tr>
+    <tr><th>Created</th><td>{{.Reach.CreatedAt}}</td></tr>
+    <tr><th>Nomad</th><td>{{if .Reach.IsNomad}}yes{{else}}no{{end}}</td></tr>
+    <tr><th>Freeholder</th><td>{{if .Reach.IsFreeholder}}yes{{else}}no{{end}}</td></tr>
+  </table>
+</section>
+
+{{if .Stash.StashID}}
+<section class="panel">
+  <h2>Stash</h2>
+  <table class="kv">
+    <tr><th>Stash ID</th><td>{{.Stash.StashID}}</td></tr>
+    <tr><th>Balance</th><td>{{.Stash.BalanceGrain}} Grain</td></tr>
+    <tr><th>Created</th><td>{{.Stash.CreatedAt}}</td></tr>
+    <tr><th>Last active</th><td>{{.Stash.LastActive}}</td></tr>
+    <tr><th>Still</th><td>{{if .Stash.IsStill}}paused{{else}}active{{end}}</td></tr>
+  </table>
+  <p><a href="/stash/{{.Stash.HolderID}}">View Stash dashboard</a></p>
+</section>
+{{end}}
+
+<p><a href="/reach">Back to Reach list</a></p>
+{{end}}

web/templates/reach_list.html

@@ -0,0 +1,35 @@
+{{define "title"}}Reach — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>Reach</h1>
+  <p>A Reach is the mesh-native identity a Holder uses to act on the mesh
+    without a custodian, a gatekeeper, or a legacy financial position. A Nomad
+    is a Holder who has a Reach and a Stash and is on the way to earning the
+    four Freeholder signals.</p>
+  <p><a href="/reach/new" class="btn">Create a Reach</a></p>
+</section>
+
+<section class="panel">
+  <h2>Holders on the mesh</h2>
+  {{if .Reaches}}
+  <table>
+    <thead>
+      <tr><th>Reach ID</th><th>Holder ID</th><th>Nomad</th><th>Freeholder</th></tr>
+    </thead>
+    <tbody>
+    {{range .Reaches}}
+      <tr>
+        <td><a href="/reach/{{.HolderID}}">{{.ReachID}}</a></td>
+        <td>{{.HolderID}}</td>
+        <td>{{if .IsNomad}}yes{{else}}no{{end}}</td>
+        <td>{{if .IsFreeholder}}yes{{else}}no{{end}}</td>
+      </tr>
+    {{end}}
+    </tbody>
+  </table>
+  {{else}}
+  <p>No Reaches yet. <a href="/reach/new">Create a Reach</a> to begin.</p>
+  {{end}}
+</section>
+{{end}}

web/templates/reach_new.html

@@ -0,0 +1,22 @@
+{{define "title"}}Create a Reach — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>Create a Reach</h1>
+  <p>A Reach is an identity, not a custodial position. The protocol does not
+    require KYC at the protocol layer; the Reach is the unit of self-service.
+    Creating a Reach also opens a Stash for you (the place a Nomad holds
+    Grain) — that pair is enough to begin on the mesh.</p>
+
+  <form method="POST" action="/reach" hx-post="/reach" hx-target="body">
+    <label for="holder_id">Holder ID</label>
+    <input type="text" id="holder_id" name="holder_id" required
+           maxlength="128" placeholder="a by-ID-string of your choosing">
+    <label for="public_key">Public Key</label>
+    <input type="text" id="public_key" name="public_key" required
+           maxlength="128" placeholder="a public key for your Reach">
+    <button type="submit">Create a Reach</button>
+  </form>
+  <p><a href="/reach">Back to Reach list</a></p>
+</section>
+{{end}}