diff --git a/invofi/apps/frontend/src/app/dashboard/page.tsx b/invofi/apps/frontend/src/app/dashboard/page.tsx
index f8369a8d7..d60e708c9 100644
--- a/invofi/apps/frontend/src/app/dashboard/page.tsx
+++ b/invofi/apps/frontend/src/app/dashboard/page.tsx
@@ -19,6 +19,7 @@ import { useLocalStorage } from '@/hooks/useLocalStorage';
 import { STROOPS_PER_XLM } from '@/lib/constants';
 import { toCsv, downloadCsv } from '@/lib/csv';
 import type { UserProfile, Invoice } from '@/types';
+import { ReputationCard } from '@/components/reputation/ReputationCard';
 import { SupabaseUser } from '@/lib/types/supabase-auth';
 
 export default function DashboardPage() {
@@ -237,6 +238,15 @@ export default function DashboardPage() {
           </section>
         )}
 
+        {/* Reputation card — shown for business users with a connected wallet */}
+        {isBusiness && publicKey && (
+          <ReputationCard
+            address={publicKey}
+            showHistory
+            className="mt-8"
+          />
+        )}
+
         {!isBusiness && (
           <section>
             <h2 className="text-lg font-semibold text-foreground mb-4">Your Investments</h2>
diff --git a/invofi/apps/frontend/src/app/portfolio/page.tsx b/invofi/apps/frontend/src/app/portfolio/page.tsx
index 81a8d8f8a..6eeabdc1c 100644
--- a/invofi/apps/frontend/src/app/portfolio/page.tsx
+++ b/invofi/apps/frontend/src/app/portfolio/page.tsx
@@ -17,6 +17,8 @@ import { formatAmount, formatDate, interestRateLabel, durationLabel, toStroopsBi
 import { STROOPS_PER_XLM } from '@/lib/constants';
 import { toCsv, downloadCsv } from '@/lib/csv';
 import type { FinancingOffer } from '@/types';
+import { InsurancePanel } from '@/components/insurance/InsurancePanel';
+import { PayoutHistory } from '@/components/insurance/PayoutHistory';
 import { SupabaseUser } from '@/lib/types/supabase-auth';
 
 
@@ -277,6 +279,7 @@ function CopyId({ id }: { id: string }) {
 }
 
 export default function PortfolioPage() {
+  const { publicKey } = useWallet();
   const [offers, setOffers] = useState<FinancingOffer[]>([]);
   const [loading, setLoading] = useState(true);
 
@@ -462,6 +465,9 @@ export default function PortfolioPage() {
           })}
         </div>
 
+        {/* useSearchParams (the listing hand-off prefill) needs a Suspense boundary. */}
+        <InsurancePanel walletAddress={publicKey} />
+        <PayoutHistory />
         {/* useSearchParams (the listing hand-off prefill) needs a Suspense boundary. */}
         <Suspense fallback={null}>
           <TransferPositionCard />
diff --git a/invofi/apps/frontend/src/components/insurance/InsurancePanel.tsx b/invofi/apps/frontend/src/components/insurance/InsurancePanel.tsx
new file mode 100644
index 000000000..ae27153cc
--- /dev/null
+++ b/invofi/apps/frontend/src/components/insurance/InsurancePanel.tsx
@@ -0,0 +1,186 @@
+'use client';
+
+import { useState } from 'react';
+import { Shield, RefreshCw, Coins, ArrowDownToLine, ArrowUpFromLine } from 'lucide-react';
+import { Card, CardContent } from '@/components/ui/card';
+import { Button } from '@/components/ui/button';
+import { Skeleton } from '@/components/ui/skeleton';
+import { useInsurancePool } from '@/hooks/useInsurance';
+
+// ── Helpers ─────────────────────────────────────────────────────────────────
+
+const STROOPS = 10_000_000;
+
+function formatStroops(v: bigint | null): string {
+  if (v === null) return '—';
+  return (Number(v) / STROOPS).toFixed(7).replace(/\.?0+$/, '');
+}
+
+/** Parse human-unit decimal into stroops bigint. Returns null on invalid input. */
+function parseToStroops(v: string): bigint | null {
+  if (!/^\d+(\.\d{1,7})?$/.test(v.trim())) return null;
+  const [whole, frac = ''] = v.trim().split('.');
+  const padded = frac.padEnd(7, '0').slice(0, 7);
+  try {
+    return BigInt(whole + padded);
+  } catch {
+    return null;
+  }
+}
+
+// ── InsurancePanel ───────────────────────────────────────────────────────────
+
+interface InsurancePanelProps {
+  /** Connected wallet address (null = wallet not connected). */
+  walletAddress: string | null;
+}
+
+/**
+ * Full insurance-pool section for the portfolio page.
+ *
+ * Displays:
+ *  - Pool total (from the on-chain insurance contract)
+ *  - Connected wallet's staked balance (on-chain read, refreshed after mutations)
+ *  - Stake / unstake form
+ */
+export function InsurancePanel({ walletAddress }: InsurancePanelProps) {
+  const { poolTotal, stakedBalance, loading, staking, unstaking, stake, unstake, refresh } =
+    useInsurancePool(walletAddress);
+
+  const [amount, setAmount] = useState('');
+
+  const parsedAmount = parseToStroops(amount);
+  const hasSufficientStake =
+    parsedAmount !== null && stakedBalance !== null && parsedAmount <= stakedBalance;
+
+  const handleStake = async () => {
+    if (!parsedAmount || parsedAmount <= 0n) return;
+    await stake(parsedAmount);
+    setAmount('');
+  };
+
+  const handleUnstake = async () => {
+    if (!parsedAmount || parsedAmount <= 0n) return;
+    await unstake(parsedAmount);
+    setAmount('');
+  };
+
+  return (
+    <Card className="mt-6" id="insurance">
+      <CardContent className="pt-5">
+        {/* Header */}
+        <div className="flex items-center justify-between mb-1">
+          <div className="flex items-center gap-2">
+            <Shield className="h-4 w-4 text-emerald-500" />
+            <h2 className="text-lg font-semibold text-foreground">Insurance Pool</h2>
+          </div>
+          <Button
+            size="sm"
+            variant="ghost"
+            onClick={refresh}
+            disabled={loading}
+            aria-label="Refresh insurance data"
+          >
+            <RefreshCw className={`h-3.5 w-3.5 ${loading ? 'animate-spin' : ''}`} />
+          </Button>
+        </div>
+
+        <p className="text-xs text-muted-foreground mb-4">
+          Stake tokens into the protocol insurance pool to back payouts when invoices default.
+          Your staked balance earns exposure to protocol yield and can be withdrawn at any time.
+        </p>
+
+        {/* Pool stats */}
+        <div className="grid grid-cols-2 gap-4 mb-5">
+          <div className="rounded-xl bg-muted/40 p-3">
+            <div className="flex items-center gap-1.5 mb-0.5">
+              <Coins className="h-3.5 w-3.5 text-muted-foreground" />
+              <span className="text-xs text-muted-foreground">Pool Total</span>
+            </div>
+            {loading ? (
+              <Skeleton className="h-5 w-28 mt-1" />
+            ) : (
+              <p className="text-base font-semibold font-mono text-foreground tabular-nums">
+                {formatStroops(poolTotal)}
+              </p>
+            )}
+          </div>
+
+          <div className="rounded-xl bg-muted/40 p-3">
+            <div className="flex items-center gap-1.5 mb-0.5">
+              <Shield className="h-3.5 w-3.5 text-muted-foreground" />
+              <span className="text-xs text-muted-foreground">Your Staked</span>
+            </div>
+            {loading ? (
+              <Skeleton className="h-5 w-28 mt-1" />
+            ) : !walletAddress ? (
+              <p className="text-sm text-muted-foreground mt-0.5">—</p>
+            ) : (
+              <p className="text-base font-semibold font-mono text-foreground tabular-nums">
+                {formatStroops(stakedBalance)}
+              </p>
+            )}
+          </div>
+        </div>
+
+        {/* Stake / unstake form */}
+        {!walletAddress ? (
+          <p className="text-sm text-muted-foreground">Connect a wallet to stake or unstake.</p>
+        ) : (
+          <div className="grid md:grid-cols-[1fr_auto] gap-3 items-end">
+            <div>
+              <label
+                htmlFor="insurance-amount"
+                className="text-xs font-medium text-muted-foreground mb-1 block"
+              >
+                Amount
+                {stakedBalance !== null && (
+                  <span className="ml-1 text-muted-foreground/70">
+                    (staked: {formatStroops(stakedBalance)})
+                  </span>
+                )}
+              </label>
+              <input
+                id="insurance-amount"
+                value={amount}
+                onChange={e => setAmount(e.target.value)}
+                placeholder="0.0"
+                inputMode="decimal"
+                className="w-full px-3 py-2 rounded-lg border border-input bg-background text-sm focus:outline-none focus:ring-2 focus:ring-emerald-500/50"
+              />
+            </div>
+
+            <div className="flex gap-2">
+              <Button
+                variant="outline"
+                onClick={handleUnstake}
+                disabled={
+                  unstaking ||
+                  staking ||
+                  !parsedAmount ||
+                  parsedAmount <= 0n ||
+                  !hasSufficientStake
+                }
+                title={
+                  !hasSufficientStake && parsedAmount
+                    ? 'Insufficient staked balance'
+                    : undefined
+                }
+              >
+                <ArrowDownToLine className="h-3.5 w-3.5 mr-1.5" />
+                {unstaking ? 'Unstaking…' : 'Unstake'}
+              </Button>
+              <Button
+                onClick={handleStake}
+                disabled={staking || unstaking || !parsedAmount || parsedAmount <= 0n}
+              >
+                <ArrowUpFromLine className="h-3.5 w-3.5 mr-1.5" />
+                {staking ? 'Staking…' : 'Stake'}
+              </Button>
+            </div>
+          </div>
+        )}
+      </CardContent>
+    </Card>
+  );
+}
diff --git a/invofi/apps/frontend/src/components/insurance/PayoutHistory.tsx b/invofi/apps/frontend/src/components/insurance/PayoutHistory.tsx
new file mode 100644
index 000000000..18e57b48d
--- /dev/null
+++ b/invofi/apps/frontend/src/components/insurance/PayoutHistory.tsx
@@ -0,0 +1,138 @@
+'use client';
+
+import { ExternalLink } from 'lucide-react';
+import { Card, CardContent } from '@/components/ui/card';
+import { Badge } from '@/components/ui/badge';
+import { Skeleton } from '@/components/ui/skeleton';
+import { usePayoutHistory } from '@/hooks/useInsurance';
+import { formatAddress } from '@/lib/utils';
+
+// ── Helpers ─────────────────────────────────────────────────────────────────
+
+const STROOPS = 10_000_000;
+const NETWORK = process.env.NEXT_PUBLIC_STELLAR_NETWORK === 'mainnet' ? 'mainnet' : 'testnet';
+const EXPLORER = `https://stellar.expert/explorer/${NETWORK}`;
+
+function fmtAmount(v: bigint): string {
+  return (Number(v) / STROOPS).toFixed(7).replace(/\.?0+$/, '');
+}
+
+const EVENT_LABELS: Record<string, { label: string; color: string }> = {
+  pool_stk: { label: 'Staked',   color: 'bg-emerald-100 text-emerald-800 border-emerald-200 dark:bg-emerald-900/30 dark:text-emerald-300' },
+  pool_un:  { label: 'Unstaked', color: 'bg-amber-100 text-amber-800 border-amber-200 dark:bg-amber-900/30 dark:text-amber-300' },
+  pool_pay: { label: 'Payout',   color: 'bg-red-100 text-red-800 border-red-200 dark:bg-red-900/30 dark:text-red-300' },
+};
+
+// ── PayoutHistory ─────────────────────────────────────────────────────────────
+
+/**
+ * Displays a live feed of insurance pool events:
+ *  - pool_pay  — default payout (highlighted in red)
+ *  - pool_stk  — stake events
+ *  - pool_un   — unstake events
+ *
+ * Events are sourced from the Soroban RPC event stream via `usePayoutHistory`.
+ */
+export function PayoutHistory() {
+  const { payouts, allEvents, loadingEvents } = usePayoutHistory();
+
+  const hasInsuranceContract = Boolean(process.env.NEXT_PUBLIC_INSURANCE_CONTRACT_ID);
+
+  return (
+    <Card className="mt-6">
+      <CardContent className="pt-5">
+        <div className="flex items-center justify-between mb-1">
+          <h2 className="text-lg font-semibold text-foreground">Insurance Pool Events</h2>
+          <span className="text-xs text-muted-foreground">Live</span>
+        </div>
+
+        <p className="text-xs text-muted-foreground mb-4">
+          Live stream of stake, unstake, and payout events from the insurance contract.
+          Payouts are triggered when an invoice defaults and the lender reclaims.
+        </p>
+
+        {!hasInsuranceContract ? (
+          <p className="text-sm text-muted-foreground">
+            Insurance contract not configured on this deployment.
+          </p>
+        ) : loadingEvents ? (
+          <div className="space-y-2">
+            {[1, 2, 3].map(i => <Skeleton key={i} className="h-10 w-full rounded-lg" />)}
+          </div>
+        ) : allEvents.length === 0 ? (
+          <p className="text-sm text-muted-foreground">No pool events yet. Events appear here in real time.</p>
+        ) : (
+          <div className="space-y-2">
+            {allEvents.map((ev, i) => {
+              const meta = EVENT_LABELS[ev.type] ?? { label: ev.type, color: 'bg-muted text-muted-foreground' };
+              // Type-narrow for amount display
+              const amount: bigint | undefined =
+                (ev.type === 'pool_pay' || ev.type === 'pool_stk' || ev.type === 'pool_un')
+                  ? (ev.data as { amount: bigint }).amount
+                  : undefined;
+              const party: string | undefined =
+                (ev.type === 'pool_pay' || ev.type === 'pool_stk' || ev.type === 'pool_un')
+                  ? ((ev.data as { recipient?: string; staker?: string }).recipient ??
+                     (ev.data as { staker?: string }).staker)
+                  : undefined;
+
+              return (
+                <div
+                  key={`${ev.txHash}-${i}`}
+                  className="flex items-center justify-between px-3 py-2 rounded-lg bg-muted/30 border border-border text-xs"
+                >
+                  <div className="flex items-center gap-2 min-w-0">
+                    <Badge className={`${meta.color} shrink-0 text-[10px] px-1.5 py-0`}>
+                      {meta.label}
+                    </Badge>
+                    {party && (
+                      <span className="font-mono text-muted-foreground truncate max-w-[120px]">
+                        {formatAddress(party)}
+                      </span>
+                    )}
+                    {amount !== undefined && (
+                      <span className="font-mono text-foreground tabular-nums">
+                        {fmtAmount(amount)}
+                      </span>
+                    )}
+                  </div>
+                  <div className="flex items-center gap-2 shrink-0 ml-2">
+                    <span className="text-muted-foreground/70">ledger {ev.ledger}</span>
+                    <a
+                      href={`${EXPLORER}/tx/${ev.txHash}`}
+                      target="_blank"
+                      rel="noreferrer noopener"
+                      className="text-blue-500 hover:text-blue-600"
+                      title="View on Stellar Expert"
+                    >
+                      <ExternalLink className="h-3 w-3" />
+                    </a>
+                  </div>
+                </div>
+              );
+            })}
+          </div>
+        )}
+
+        {/* Dedicated payout summary */}
+        {payouts.length > 0 && (
+          <div className="mt-4 pt-4 border-t border-border">
+            <p className="text-xs font-medium text-muted-foreground mb-2">
+              Default payouts ({payouts.length})
+            </p>
+            <div className="space-y-1.5">
+              {payouts.map((p, i) => (
+                <div key={`${p.txHash}-${i}`} className="flex items-center justify-between text-xs">
+                  <span className="font-mono text-muted-foreground">{formatAddress(p.recipient)}</span>
+                  <span className="font-mono text-red-600 dark:text-red-400 tabular-nums">
+                    {fmtAmount(p.amount)}
+                  </span>
+                </div>
+              ))}
+            </div>
+          </div>
+        )}
+      </CardContent>
+    </Card>
+  );
+}
diff --git a/invofi/apps/frontend/src/components/marketplace/MarketplaceCard.tsx b/invofi/apps/frontend/src/components/marketplace/MarketplaceCard.tsx
index 20a5102ee..41c81db9d 100644
--- a/invofi/apps/frontend/src/components/marketplace/MarketplaceCard.tsx
+++ b/invofi/apps/frontend/src/components/marketplace/MarketplaceCard.tsx
@@ -5,6 +5,7 @@ import { Badge } from '@/components/ui/badge';
 import { Button } from '@/components/ui/button';
 import { formatAmount, formatDate, formatAddress, INVOICE_STATUS_COLORS } from '@/lib/utils';
 import type { Invoice } from '@/types';
+import { ReputationScoreBadge } from '@/components/reputation/ReputationCard';
 
 const NETWORK = process.env.NEXT_PUBLIC_STELLAR_NETWORK === 'mainnet' ? 'mainnet' : 'testnet';
 const STELLAR_EXPERT = `https://stellar.expert/explorer/${NETWORK}`;
@@ -74,17 +75,22 @@ export function MarketplaceCard({ invoice }: MarketplaceCardProps) {
             <DueLabel dueDateUnix={invoice.due_date} />
           </div>
 
-          <p className="text-xs text-muted-foreground font-mono">
-            Originator:{' '}
-            <a
-              href={`${STELLAR_EXPERT}/account/${invoice.originator}`}
-              target="_blank"
-              rel="noreferrer noopener"
-              className="hover:text-blue-500 hover:underline transition-colors"
-            >
-              {formatAddress(invoice.originator)}
-            </a>
-          </p>
+          {/* Originator row: address + reputation score badge */}
+          <div className="flex items-center gap-1.5 flex-wrap">
+            <p className="text-xs text-muted-foreground font-mono">
+              Originator:{' '}
+              <a
+                href={`${STELLAR_EXPERT}/account/${invoice.originator}`}
+                target="_blank"
+                rel="noreferrer noopener"
+                className="hover:text-blue-500 hover:underline transition-colors"
+              >
+                {formatAddress(invoice.originator)}
+              </a>
+            </p>
+            {/* Reputation score badge — renders null when contract not configured */}
+            <ReputationScoreBadge address={invoice.originator} />
+          </div>
         </div>
 
         <Button asChild size="sm" className="w-full">
diff --git a/invofi/apps/frontend/src/components/reputation/ReputationCard.tsx b/invofi/apps/frontend/src/components/reputation/ReputationCard.tsx
new file mode 100644
index 000000000..e3040adeb
--- /dev/null
+++ b/invofi/apps/frontend/src/components/reputation/ReputationCard.tsx
@@ -0,0 +1,229 @@
+'use client';
+
+import { ShieldCheck, ExternalLink, CheckCircle2, AlertTriangle } from 'lucide-react';
+import { Card, CardContent } from '@/components/ui/card';
+import { Badge } from '@/components/ui/badge';
+import { Skeleton } from '@/components/ui/skeleton';
+import { useReputationScore, useRepaymentHistory } from '@/hooks/useReputation';
+import { formatAddress, formatAmount } from '@/lib/utils';
+
+// ── Helpers ─────────────────────────────────────────────────────────────────
+
+const NETWORK = process.env.NEXT_PUBLIC_STELLAR_NETWORK === 'mainnet' ? 'mainnet' : 'testnet';
+const EXPLORER = `https://stellar.expert/explorer/${NETWORK}`;
+
+/**
+ * Derive a label and Tailwind colour from the 0–100 score.
+ *
+ * Score bands match the three protocol risk tiers (A/B/C):
+ *  80–100 → A (Green / Low Risk)
+ *  50–79  → B (Amber / Medium Risk)
+ *  0–49   → C (Red / High Risk)
+ */
+function scoreStyle(score: number): { label: string; barColor: string; badgeClass: string } {
+  if (score >= 80) {
+    return {
+      label: 'Excellent',
+      barColor: 'bg-emerald-500',
+      badgeClass: 'bg-emerald-100 text-emerald-800 border-emerald-200 dark:bg-emerald-900/30 dark:text-emerald-300',
+    };
+  }
+  if (score >= 50) {
+    return {
+      label: 'Good',
+      barColor: 'bg-amber-400',
+      badgeClass: 'bg-amber-100 text-amber-800 border-amber-200 dark:bg-amber-900/30 dark:text-amber-300',
+    };
+  }
+  return {
+    label: 'Poor',
+    barColor: 'bg-red-500',
+    badgeClass: 'bg-red-100 text-red-800 border-red-200 dark:bg-red-900/30 dark:text-red-300',
+  };
+}
+
+// ── ReputationCard ───────────────────────────────────────────────────────────
+
+interface ReputationCardProps {
+  /** Stellar address whose reputation to display. */
+  address: string | null;
+  /**
+   * Whether to show the repayment history event stream.
+   * Set false on the marketplace card to keep it compact.
+   */
+  showHistory?: boolean;
+  className?: string;
+}
+
+/**
+ * Displays the on-chain reputation score for an originator address,
+ * optionally with their recent repayment/default history.
+ *
+ * Used on:
+ *  - `/dashboard` — full card for the connected business account
+ *  - Marketplace invoice detail — compact badge form (showHistory=false)
+ */
+export function ReputationCard({ address, showHistory = true, className }: ReputationCardProps) {
+  const { score, loading: scoreLoading } = useReputationScore(address);
+  const { outcomes, loading: histLoading } = useRepaymentHistory(showHistory ? address : null);
+
+  const hasReputationContract = Boolean(process.env.NEXT_PUBLIC_REPUTATION_CONTRACT_ID);
+
+  if (!hasReputationContract) {
+    return null; // silently hide when not deployed
+  }
+
+  const style = score !== null ? scoreStyle(score) : null;
+
+  return (
+    <Card className={className}>
+      <CardContent className="pt-5">
+        {/* Header */}
+        <div className="flex items-center gap-2 mb-1">
+          <ShieldCheck className="h-4 w-4 text-blue-500" />
+          <h2 className="text-lg font-semibold text-foreground">Reputation</h2>
+        </div>
+        <p className="text-xs text-muted-foreground mb-4">
+          On-chain trust score computed from repayment history (0 = worst, 100 = best).
+          One default outweighs two repayments.
+        </p>
+
+        {/* Score display */}
+        {scoreLoading ? (
+          <div className="space-y-2 mb-4">
+            <Skeleton className="h-6 w-20" />
+            <Skeleton className="h-2 w-full rounded-full" />
+          </div>
+        ) : score === null ? (
+          <p className="text-sm text-muted-foreground mb-4">No score recorded yet.</p>
+        ) : (
+          <div className="mb-5">
+            <div className="flex items-center gap-3 mb-2">
+              <span className="text-3xl font-bold font-mono tabular-nums text-foreground">
+                {score}
+              </span>
+              <span className="text-sm text-muted-foreground">/&nbsp;100</span>
+              {style && (
+                <Badge className={style.badgeClass}>{style.label}</Badge>
+              )}
+            </div>
+
+            {/* Score bar */}
+            <div className="w-full bg-muted rounded-full h-2 overflow-hidden" aria-hidden>
+              <div
+                className={`h-2 rounded-full transition-all ${style?.barColor ?? 'bg-blue-500'}`}
+                style={{ width: `${score}%` }}
+              />
+            </div>
+            <p className="text-xs text-muted-foreground mt-1">
+              {score >= 80
+                ? 'This originator has a strong repayment track record.'
+                : score >= 50
+                ? 'Mixed repayment history — review offers carefully.'
+                : 'High-risk originator. Proceed with caution.'}
+            </p>
+          </div>
+        )}
+
+        {/* Repayment history (event stream) */}
+        {showHistory && (
+          <>
+            <div className="border-t border-border pt-4">
+              <p className="text-xs font-medium text-muted-foreground mb-2">Recent outcomes</p>
+
+              {histLoading ? (
+                <div className="space-y-2">
+                  {[1, 2, 3].map(i => <Skeleton key={i} className="h-8 w-full rounded-lg" />)}
+                </div>
+              ) : outcomes.length === 0 ? (
+                <p className="text-sm text-muted-foreground">
+                  No repayment events yet. Events appear here live.
+                </p>
+              ) : (
+                <div className="space-y-1.5">
+                  {outcomes.map((ev, i) => (
+                    <div
+                      key={`${ev.txHash}-${i}`}
+                      className="flex items-center justify-between px-3 py-2 rounded-lg bg-muted/30 border border-border text-xs"
+                    >
+                      <div className="flex items-center gap-2 min-w-0">
+                        {ev.type === 'repaid' ? (
+                          <CheckCircle2 className="h-3.5 w-3.5 text-emerald-500 shrink-0" />
+                        ) : (
+                          <AlertTriangle className="h-3.5 w-3.5 text-red-500 shrink-0" />
+                        )}
+                        <span className="font-mono text-muted-foreground truncate max-w-[120px]">
+                          {ev.subjectId}
+                        </span>
+                        {ev.type === 'repaid' && ev.amount !== undefined && (
+                          <span className="font-mono text-emerald-600 dark:text-emerald-400 tabular-nums">
+                            {formatAmount(ev.amount)}
+                            {ev.fullyRepaid ? ' ✓' : ' (partial)'}
+                          </span>
+                        )}
+                        {ev.type === 'defaulted' && (
+                          <Badge className="bg-red-100 text-red-800 border-red-200 text-[10px] px-1.5 py-0">
+                            Default
+                          </Badge>
+                        )}
+                      </div>
+                      <a
+                        href={`${EXPLORER}/tx/${ev.txHash}`}
+                        target="_blank"
+                        rel="noreferrer noopener"
+                        className="text-blue-500 hover:text-blue-600 shrink-0 ml-2"
+                        title="View on Stellar Expert"
+                      >
+                        <ExternalLink className="h-3 w-3" />
+                      </a>
+                    </div>
+                  ))}
+                </div>
+              )}
+            </div>
+          </>
+        )}
+      </CardContent>
+    </Card>
+  );
+}
+
+// ── Inline compact badge for marketplace cards ───────────────────────────────
+
+interface ReputationScoreBadgeProps {
+  address: string;
+}
+
+/**
+ * Compact inline score badge for the marketplace card.
+ * Shows score/100 with colour coding; renders nothing when not configured.
+ */
+export function ReputationScoreBadge({ address }: ReputationScoreBadgeProps) {
+  const { score, loading } = useReputationScore(address);
+
+  if (!process.env.NEXT_PUBLIC_REPUTATION_CONTRACT_ID) return null;
+
+  if (loading) {
+    return <Skeleton className="inline-block h-4 w-10 rounded-md" />;
+  }
+
+  if (score === null) {
+    return (
+      <span className="inline-flex items-center px-1.5 py-0.5 rounded text-[10px] font-medium bg-muted text-muted-foreground">
+        —
+      </span>
+    );
+  }
+
+  const { label, badgeClass } = scoreStyle(score);
+
+  return (
+    <span
+      className={`inline-flex items-center gap-0.5 px-1.5 py-0.5 rounded text-[10px] font-medium border ${badgeClass}`}
+      title={`Reputation: ${score}/100 — ${label}`}
+    >
+      <ShieldCheck className="h-2.5 w-2.5" />
+      {score}
+    </span>
+  );
+}
diff --git a/invofi/apps/frontend/src/hooks/useInsurance.ts b/invofi/apps/frontend/src/hooks/useInsurance.ts
new file mode 100644
index 000000000..9af3652b5
--- /dev/null
+++ b/invofi/apps/frontend/src/hooks/useInsurance.ts
@@ -0,0 +1,167 @@
+import { useCallback, useEffect, useRef, useState } from 'react';
+import { listenToEvents, Networks } from '@invofi/sdk';
+import type { PoolPayoutData, PoolStakedData, PoolUnstakedData, ProtocolEvent } from '@invofi/sdk';
+import { getInsurancePoolTotal, getStakedBalance, stakeIntoPool, unstakeFromPool } from '@/lib/contract';
+import { useToast } from '@/components/ui/use-toast';
+
+// ── Types ──────────────────────────────────────────────────────────────────
+
+/** A decoded payout-history entry sourced from `pool_pay` events. */
+export interface PayoutEvent {
+  txHash: string;
+  ledger: number;
+  recipient: string;
+  amount: bigint;
+}
+
+// ── Helpers ─────────────────────────────────────────────────────────────────
+
+function getRpcConfig() {
+  const rpcUrl = process.env.NEXT_PUBLIC_RPC_URL ?? 'https://soroban-testnet.stellar.org';
+  const network = (process.env.NEXT_PUBLIC_STELLAR_NETWORK ?? 'testnet') as 'testnet' | 'mainnet';
+  const networkPassphrase = network === 'mainnet' ? Networks.PUBLIC : Networks.TESTNET;
+  const contractIds = [
+    process.env.NEXT_PUBLIC_INSURANCE_CONTRACT_ID,
+  ].filter(Boolean) as string[];
+  return { rpcUrl, networkPassphrase, contractIds };
+}
+
+// ── useInsurancePool ─────────────────────────────────────────────────────────
+/**
+ * Reads insurance pool state (total and the connected wallet's staked balance)
+ * and exposes stake/unstake mutations.
+ *
+ * Returns:
+ *  - `poolTotal`   — aggregate pool in stroops (bigint | null while loading)
+ *  - `stakedBalance` — caller's staked stroops (bigint | null while loading)
+ *  - `loading`     — initial data fetch in progress
+ *  - `staking` / `unstaking` — mutation in progress
+ *  - `stake(amount)` / `unstake(amount)` — mutate and auto-refresh
+ *  - `refresh()`   — manual refresh
+ */
+export function useInsurancePool(walletAddress: string | null) {
+  const { toast } = useToast();
+  const [poolTotal, setPoolTotal]     = useState<bigint | null>(null);
+  const [stakedBalance, setStakedBalance] = useState<bigint | null>(null);
+  const [loading, setLoading]         = useState(true);
+  const [staking, setStaking]         = useState(false);
+  const [unstaking, setUnstaking]     = useState(false);
+
+  const refresh = useCallback(async () => {
+    setLoading(true);
+    try {
+      const [total, staked] = await Promise.all([
+        getInsurancePoolTotal().catch(() => null),
+        walletAddress ? getStakedBalance(walletAddress).catch(() => null) : Promise.resolve(null),
+      ]);
+      setPoolTotal(total ?? null);
+      setStakedBalance(staked ?? null);
+    } finally {
+      setLoading(false);
+    }
+  }, [walletAddress]);
+
+  useEffect(() => {
+    refresh();
+  }, [refresh]);
+
+  const stake = useCallback(async (amount: bigint) => {
+    if (!walletAddress) {
+      toast({ title: 'Connect wallet', description: 'Connect your wallet to stake.', variant: 'destructive' });
+      return;
+    }
+    setStaking(true);
+    try {
+      await stakeIntoPool(amount, walletAddress);
+      toast({ title: 'Staked', description: 'Your stake was submitted to the insurance pool.' });
+      await refresh();
+    } catch (err) {
+      const msg = err instanceof Error ? err.message : 'Stake failed';
+      toast({ title: 'Stake failed', description: msg, variant: 'destructive' });
+    } finally {
+      setStaking(false);
+    }
+  }, [walletAddress, toast, refresh]);
+
+  const unstake = useCallback(async (amount: bigint) => {
+    if (!walletAddress) {
+      toast({ title: 'Connect wallet', description: 'Connect your wallet to unstake.', variant: 'destructive' });
+      return;
+    }
+    setUnstaking(true);
+    try {
+      await unstakeFromPool(amount, walletAddress);
+      toast({ title: 'Unstaked', description: 'Your stake was withdrawn from the insurance pool.' });
+      await refresh();
+    } catch (err) {
+      const msg = err instanceof Error ? err.message : 'Unstake failed';
+      toast({ title: 'Unstake failed', description: msg, variant: 'destructive' });
+    } finally {
+      setUnstaking(false);
+    }
+  }, [walletAddress, toast, refresh]);
+
+  return { poolTotal, stakedBalance, loading, staking, unstaking, stake, unstake, refresh };
+}
+
+// ── usePayoutHistory ─────────────────────────────────────────────────────────
+/**
+ * Subscribes to the live on-chain event stream for insurance-related events
+ * (`pool_pay`, `pool_stk`, `pool_un`) and accumulates the last 50 events.
+ *
+ * The hook stops the stream on unmount. `loadingEvents` is true only during
+ * the brief initial setup; once the first poll completes it flips to false.
+ */
+export function usePayoutHistory() {
+  const { toast } = useToast();
+  const [payouts, setPayouts]         = useState<PayoutEvent[]>([]);
+  const [allEvents, setAllEvents]     = useState<ProtocolEvent[]>([]);
+  const [loadingEvents, setLoading]   = useState(true);
+  const stopRef = useRef<(() => void) | null>(null);
+
+  useEffect(() => {
+    const { rpcUrl, networkPassphrase, contractIds } = getRpcConfig();
+    if (contractIds.length === 0) {
+      setLoading(false);
+      return;
+    }
+
+    try {
+      const stop = listenToEvents({
+        rpcUrl,
+        networkPassphrase,
+        contractIds,
+        eventTypes: ['pool_pay', 'pool_stk', 'pool_un'],
+        onEvent(ev) {
+          setAllEvents(prev => [ev, ...prev].slice(0, 50));
+          if (ev.type === 'pool_pay') {
+            const d = ev.data as PoolPayoutData;
+            setPayouts(prev => [
+              { txHash: ev.txHash, ledger: ev.ledger, recipient: d.recipient, amount: d.amount },
+              ...prev,
+            ].slice(0, 50));
+          }
+          setLoading(false);
+        },
+        onError(err) {
+          toast({ title: 'Event stream error', description: err.message, variant: 'destructive' });
+          setLoading(false);
+        },
+      });
+      stopRef.current = stop;
+    } catch (err) {
+      toast({ title: 'Events failed', description: String(err), variant: 'destructive' });
+      setLoading(false);
+    }
+
+    // Mark initial loading done after first poll interval
+    const t = setTimeout(() => setLoading(false), 7_000);
+    return () => {
+      clearTimeout(t);
+      if (stopRef.current) stopRef.current();
+    };
+  // eslint-disable-next-line react-hooks/exhaustive-deps
+  }, []);
+
+  return { payouts, allEvents, loadingEvents };
+}
diff --git a/invofi/apps/frontend/src/hooks/useReputation.ts b/invofi/apps/frontend/src/hooks/useReputation.ts
new file mode 100644
index 000000000..5bfec59b2
--- /dev/null
+++ b/invofi/apps/frontend/src/hooks/useReputation.ts
@@ -0,0 +1,143 @@
+import { useCallback, useEffect, useRef, useState } from 'react';
+import { listenToEvents, Networks } from '@invofi/sdk';
+import type { InvoiceRepaidData, OfferDefaultedData, ReputationRecordedData } from '@invofi/sdk';
+import { getReputationScore } from '@/lib/contract';
+import { useToast } from '@/components/ui/use-toast';
+
+// ── Types ──────────────────────────────────────────────────────────────────
+
+export interface RepaymentOutcome {
+  type: 'repaid' | 'defaulted';
+  subjectId: string; // invoice or offer ID
+  txHash: string;
+  ledger: number;
+  /** Amount in stroops (only for repayments). */
+  amount?: bigint;
+  fullyRepaid?: boolean;
+}
+
+// ── useReputationScore ───────────────────────────────────────────────────────
+/**
+ * Fetches the on-chain reputation score for an address.
+ *
+ * Returns:
+ *  - `score`   — 0..100 (null while loading or contract not configured)
+ *  - `loading` — true during the fetch
+ *  - `error`   — error message if the fetch failed
+ *  - `refresh` — manual refresh trigger
+ */
+export function useReputationScore(address: string | null) {
+  const [score, setScore]     = useState<number | null>(null);
+  const [loading, setLoading] = useState(false);
+  const [error, setError]     = useState<string | null>(null);
+
+  const refresh = useCallback(async () => {
+    if (!address) { setScore(null); return; }
+    setLoading(true);
+    setError(null);
+    try {
+      const s = await getReputationScore(address);
+      setScore(s);
+    } catch (err) {
+      // Reputation contract may not be configured — treat as no score
+      setScore(null);
+      if (err instanceof Error && !err.message.includes('not set')) {
+        setError(err.message);
+      }
+    } finally {
+      setLoading(false);
+    }
+  }, [address]);
+
+  useEffect(() => {
+    refresh();
+  }, [refresh]);
+
+  return { score, loading, error, refresh };
+}
+
+// ── useRepaymentHistory ──────────────────────────────────────────────────────
+/**
+ * Subscribes to the live event stream and filters repayment + default events
+ * for the given originator address. Used on the dashboard and profile pages
+ * to show the last 20 repayment outcomes.
+ */
+export function useRepaymentHistory(address: string | null) {
+  const { toast } = useToast();
+  const [outcomes, setOutcomes] = useState<RepaymentOutcome[]>([]);
+  const [loading, setLoading]   = useState(true);
+  const stopRef = useRef<(() => void) | null>(null);
+
+  useEffect(() => {
+    if (!address) {
+      setLoading(false);
+      return;
+    }
+
+    const rpcUrl = process.env.NEXT_PUBLIC_RPC_URL ?? 'https://soroban-testnet.stellar.org';
+    const network = (process.env.NEXT_PUBLIC_STELLAR_NETWORK ?? 'testnet') as 'testnet' | 'mainnet';
+    const networkPassphrase = network === 'mainnet' ? Networks.PUBLIC : Networks.TESTNET;
+    const contractIds = [
+      process.env.NEXT_PUBLIC_REPAYMENT_CONTRACT_ID,
+      process.env.NEXT_PUBLIC_REGISTRY_CONTRACT_ID,
+      process.env.NEXT_PUBLIC_REPUTATION_CONTRACT_ID,
+    ].filter(Boolean) as string[];
+
+    if (contractIds.length === 0) {
+      setLoading(false);
+      return;
+    }
+
+    try {
+      const stop = listenToEvents({
+        rpcUrl,
+        networkPassphrase,
+        contractIds,
+        eventTypes: ['inv_rep', 'off_def', 'reputn'],
+        onEvent(ev) {
+          setLoading(false);
+          if (ev.type === 'inv_rep') {
+            const d = ev.data as InvoiceRepaidData;
+            const outcome: RepaymentOutcome = {
+              type: 'repaid' as const,
+              subjectId: ev.subjectId,
+              txHash: ev.txHash,
+              ledger: ev.ledger,
+              amount: d.amount,
+              fullyRepaid: d.fullyRepaid,
+            };
+            setOutcomes(prev => [outcome, ...prev].slice(0, 20));
+          } else if (ev.type === 'off_def') {
+            const d = ev.data as OfferDefaultedData;
+            // Only include if this address is involved
+            if (d.lender !== address) {
+              const outcome: RepaymentOutcome = {
+                type: 'defaulted' as const,
+                subjectId: ev.subjectId,
+                txHash: ev.txHash,
+                ledger: ev.ledger,
+              };
+              setOutcomes(prev => [outcome, ...prev].slice(0, 20));
+            }
+          }
+        },
+        onError(err) {
+          toast({ title: 'Event stream error', description: err.message, variant: 'destructive' });
+          setLoading(false);
+        },
+      });
+      stopRef.current = stop;
+    } catch {
+      setLoading(false);
+    }
+
+    const t = setTimeout(() => setLoading(false), 7_000);
+    return () => {
+      clearTimeout(t);
+      if (stopRef.current) stopRef.current();
+    };
+  // eslint-disable-next-line react-hooks/exhaustive-deps
+  }, [address]);
+
+  return { outcomes, loading };
+}
diff --git a/invofi/apps/frontend/src/lib/contract.ts b/invofi/apps/frontend/src/lib/contract.ts
index a8fb41e19..bd12ff7fc 100644
--- a/invofi/apps/frontend/src/lib/contract.ts
+++ b/invofi/apps/frontend/src/lib/contract.ts
@@ -18,6 +18,8 @@ const LEGACY_CONTRACT_ID = process.env.NEXT_PUBLIC_CONTRACT_ID ?? '';
 const REGISTRY_ID = process.env.NEXT_PUBLIC_REGISTRY_CONTRACT_ID ?? LEGACY_CONTRACT_ID;
 const FINANCING_ID = process.env.NEXT_PUBLIC_FINANCING_CONTRACT_ID ?? LEGACY_CONTRACT_ID;
 const REPAYMENT_ID = process.env.NEXT_PUBLIC_REPAYMENT_CONTRACT_ID ?? LEGACY_CONTRACT_ID;
+const INSURANCE_ID = process.env.NEXT_PUBLIC_INSURANCE_CONTRACT_ID ?? '';
+const REPUTATION_ID = process.env.NEXT_PUBLIC_REPUTATION_CONTRACT_ID ?? '';
 
 const RPC_URL = process.env.NEXT_PUBLIC_RPC_URL ?? 'https://soroban-testnet.stellar.org';
 const HORIZON_URL = process.env.NEXT_PUBLIC_HORIZON_URL ?? 'https://horizon-testnet.stellar.org';
@@ -44,6 +46,8 @@ const client = createInvofiClient({
   registryId: REGISTRY_ID,
   financingId: FINANCING_ID,
   repaymentId: REPAYMENT_ID,
+  insuranceId: INSURANCE_ID || undefined,
+  reputationId: REPUTATION_ID || undefined,
   positionTokenAsset: POSITION_TOKEN_ASSET,
   signTransaction: signTransactionWithActiveWallet,
 });
@@ -69,6 +73,13 @@ export const {
   transferPositionToken,
   hasPositionTrustline,
   addPositionTrustline,
+  // Insurance
+  getInsurancePoolTotal,
+  stakeIntoPool,
+  unstakeFromPool,
+  getStakedBalance,
+  // Reputation
+  getReputationScore,
 } = client;
 
 export { client };
diff --git a/invofi/apps/sdk/src/client.ts b/invofi/apps/sdk/src/client.ts
index a67184fca..d448ea1be 100644
--- a/invofi/apps/sdk/src/client.ts
+++ b/invofi/apps/sdk/src/client.ts
@@ -595,6 +595,52 @@ export function createInvofiClient(cfg: InvofiClientConfig) {
       const signedTx = new Transaction(signedXdr, cfg.networkPassphrase);
       await horizon().submitTransaction(signedTx);
     },
+
+    // ── Insurance contract (stake/unstake + pool total) ───────────────────
+
+    /** Get the authoritative insurance pool total (stroops). */
+    getInsurancePoolTotal: (sourceAccount?: string): Promise<bigint> => {
+      if (!cfg.insuranceId) throw new SdkValidationError(ErrorCode.MISSING_CONFIG, 'cfg.insuranceId', 'cfg.insuranceId: insurance contract ID not set');
+      if (sourceAccount !== undefined) validateStellarAddress(sourceAccount, 'sourceAccount');
+      return readContract(cfg.insuranceId, 'get_pool_total', [], sourceAccount).then(val => scValToNative(val) as bigint);
+    },
+
+    /** Stake into the insurance pool (signed by staker). */
+    stakeIntoPool: async (amount: bigint, stakerAddress: string): Promise<void> => {
+      if (!cfg.insuranceId) throw new SdkValidationError(ErrorCode.MISSING_CONFIG, 'cfg.insuranceId', 'cfg.insuranceId: insurance contract ID not set');
+      validateStellarAddress(stakerAddress, 'stakerAddress');
+      validatePositiveI128(amount, 'amount');
+      await invokeContract(cfg.insuranceId, 'stake', [encodeI128(amount)], stakerAddress);
+    },
+
+    /** Unstake from the insurance pool (signed by staker). */
+    unstakeFromPool: async (amount: bigint, stakerAddress: string): Promise<void> => {
+      if (!cfg.insuranceId) throw new SdkValidationError(ErrorCode.MISSING_CONFIG, 'cfg.insuranceId', 'cfg.insuranceId: insurance contract ID not set');
+      validateStellarAddress(stakerAddress, 'stakerAddress');
+      validatePositiveI128(amount, 'amount');
+      await invokeContract(cfg.insuranceId, 'unstake', [encodeI128(amount)], stakerAddress);
+    },
+
+    /**
+     * Get the staked balance for an address in the insurance pool (stroops).
+     * Returns 0n when the contract is not configured or the address has no stake.
+     */
+    getStakedBalance: (address: string, sourceAccount?: string): Promise<bigint> => {
+      if (!cfg.insuranceId) throw new SdkValidationError(ErrorCode.MISSING_CONFIG, 'cfg.insuranceId', 'cfg.insuranceId: insurance contract ID not set');
+      validateStellarAddress(address, 'address');
+      if (sourceAccount !== undefined) validateStellarAddress(sourceAccount, 'sourceAccount');
+      return readContract(cfg.insuranceId, 'get_staked', [encodeAddress(address)], sourceAccount).then(val => scValToNative(val) as bigint);
+    },
+
+    // ── Reputation (read-only get_score) ───────────────────────────────────
+
+    /** Get the reputation score for an address (0..100). */
+    getReputationScore: (address: string, sourceAccount?: string): Promise<number> => {
+      if (!cfg.reputationId) throw new SdkValidationError(ErrorCode.MISSING_CONFIG, 'cfg.reputationId', 'cfg.reputationId: reputation contract ID not set');
+      validateStellarAddress(address, 'address');
+      if (sourceAccount !== undefined) validateStellarAddress(sourceAccount, 'sourceAccount');
+      return readContract(cfg.reputationId, 'get_score', [encodeAddress(address)], sourceAccount).then(val => scValToNative(val) as number);
+    },
   };
 }