diff --git a/apps/edr-freight-api/src/migrations/3760000000000-CompanyProfileEtradeBusiness.ts b/apps/edr-freight-api/src/migrations/3760000000000-CompanyProfileEtradeBusiness.ts
new file mode 100644
index 000000000..7e2db4eb3
--- /dev/null
+++ b/apps/edr-freight-api/src/migrations/3760000000000-CompanyProfileEtradeBusiness.ts
@@ -0,0 +1,36 @@
+import { MigrationInterface, QueryRunner } from 'typeorm';
+
+/**
+ * Attaches an eTrade business licence to each operational profile.
+ *
+ * A TIN routinely holds a dozen or more licences, split by activity ("Export
+ * trade in coffee", "Freight Forwarders"), and until now the company picked one
+ * for the whole record — every role shared it. Each profile now names the
+ * business it actually operates as.
+ *
+ * Stored as a snapshot ({@link ETradeBusinessOption}: licenceNumber, tradeName,
+ * activity, renewedTo) rather than a bare licence number, so the portal and the
+ * backoffice can show which business is attached without an eTrade round-trip —
+ * eTrade is slow, serves a broken TLS chain, and is regularly down.
+ *
+ * Nullable: existing profiles have none until the customer attaches one, and a
+ * co-operative or investor-licence company has no eTrade record at all.
+ * Deliberately NOT unique — one business can back several profiles.
+ */
+export class CompanyProfileEtradeBusiness3760000000000 implements MigrationInterface {
+  name = 'CompanyProfileEtradeBusiness3760000000000';
+
+  public async up(queryRunner: QueryRunner): Promise<void> {
+    await queryRunner.query(`
+      ALTER TABLE freight.company_profiles
+        ADD COLUMN IF NOT EXISTS etrade_business jsonb
+    `);
+  }
+
+  public async down(queryRunner: QueryRunner): Promise<void> {
+    await queryRunner.query(`
+      ALTER TABLE freight.company_profiles
+        DROP COLUMN IF EXISTS etrade_business
+    `);
+  }
+}
diff --git a/apps/edr-freight-api/src/modules/auth/customer-accounts.service.ts b/apps/edr-freight-api/src/modules/auth/customer-accounts.service.ts
new file mode 100644
index 000000000..d051e268b
--- /dev/null
+++ b/apps/edr-freight-api/src/modules/auth/customer-accounts.service.ts
@@ -0,0 +1,112 @@
+import { Injectable } from "@nestjs/common";
+import { InjectRepository } from "@nestjs/typeorm";
+import { In, Repository } from "typeorm";
+
+import { User } from "@tria-plc/iamapi-common/entities/iam/user/user.entity";
+
+import { ExternalProfile } from "../companies/entities/external-profile.entity";
+
+/**
+ * One portal login belonging to a customer company: the company-side profile
+ * joined to the IAM account that actually signs in.
+ *
+ * The two halves drift apart routinely — `company.email` is business contact
+ * detail, while `email` here is the credential a reset link goes to — which is
+ * exactly why staff need to see the IAM side rather than the company row.
+ */
+export interface CustomerAccount {
+  /** external_profiles.id */
+  profileId: string;
+  userId: string;
+  firstName: string;
+  lastName: string;
+  jobTitle: string | null;
+  isPrimaryContact: boolean;
+  onboardingStep: string | null;
+  onboardingCompleted: boolean;
+  /** Null when the profile points at a user row that no longer exists. */
+  username: string | null;
+  email: string | null;
+  phoneNumber: string | null;
+  phoneVerified: boolean | null;
+  /** IAM account status (`EUserStatus`), surfaced as-is. */
+  status: string | null;
+  isActive: boolean | null;
+  /** False means the account was created but never activated by its owner. */
+  hasSetPassword: boolean | null;
+  createdAt: Date;
+}
+
+@Injectable()
+export class CustomerAccountsService {
+  constructor(
+    @InjectRepository(ExternalProfile)
+    private readonly profiles: Repository<ExternalProfile>,
+    @InjectRepository(User)
+    private readonly users: Repository<User>,
+  ) {}
+
+  /**
+   * Every portal account for a company, primary contact first.
+   *
+   * Deliberately NOT filtered to active accounts: a suspended or never-activated
+   * login is the case staff are usually looking into, and hiding it would leave
+   * "the customer says they can't log in" unanswerable from this screen.
+   */
+  async listForCompany(companyId: string): Promise<CustomerAccount[]> {
+    const profiles = await this.profiles.find({ where: { companyId } });
+    if (profiles.length === 0) return [];
+
+    const userIds = profiles.map((p) => p.userId).filter(Boolean);
+    // Explicit select: the User entity's relations include credentials and
+    // sessions, and this response goes to a browser.
+    const users = userIds.length
+      ? await this.users
+        .createQueryBuilder("user")
+        .select([
+          "user.id",
+          "user.username",
+          "user.email",
+          "user.phoneNumber",
+          "user.isPhoneNumberVerified",
+          "user.status",
+          "user.isActive",
+          "user.hasSetPassword",
+        ])
+        .where({ id: In(userIds) })
+        .getMany()
+      : [];
+    const byId = new Map(users.map((u) => [u.id, u]));
+
+    return profiles
+      .map((p) => {
+        const user = byId.get(p.userId);
+        return {
+          profileId: p.id,
+          userId: p.userId,
+          firstName: p.firstName,
+          lastName: p.lastName,
+          jobTitle: p.jobTitle ?? null,
+          isPrimaryContact: p.isPrimaryContact,
+          onboardingStep: p.onboardingStep ?? null,
+          onboardingCompleted: p.onboardingCompleted ?? false,
+          username: user?.username ?? null,
+          email: user?.email ?? null,
+          phoneNumber: user?.phoneNumber ?? null,
+          phoneVerified: user?.isPhoneNumberVerified ?? null,
+          status: user?.status ?? null,
+          isActive: user?.isActive ?? null,
+          hasSetPassword: user?.hasSetPassword ?? null,
+          createdAt: p.createdAt,
+        };
+      })
+      .sort((a, b) => {
+        // Primary contact first — it is the account every staff action
+        // (password reset, notifications) actually targets.
+        if (a.isPrimaryContact !== b.isPrimaryContact) {
+          return a.isPrimaryContact ? -1 : 1;
+        }
+        return a.createdAt.getTime() - b.createdAt.getTime();
+      });
+  }
+}
diff --git a/apps/edr-freight-api/src/modules/auth/customer-reset.controller.ts b/apps/edr-freight-api/src/modules/auth/customer-reset.controller.ts
index 52a900fe8..8da218193 100644
--- a/apps/edr-freight-api/src/modules/auth/customer-reset.controller.ts
+++ b/apps/edr-freight-api/src/modules/auth/customer-reset.controller.ts
@@ -12,6 +12,10 @@ import { ApiBearerAuth, ApiOperation, ApiTags } from "@nestjs/swagger";
 import { BookingStaff } from "../../common/booking-guards";
 import { FREIGHT_PERMS } from "../../seed/freight-permissions.registry";
 import { BackofficeResetPasswordDto } from "./dto/forgot-password.dto";
+import {
+  CustomerAccount,
+  CustomerAccountsService,
+} from "./customer-accounts.service";
 import {
   CustomerResetService,
   CustomerResetTarget,
@@ -25,7 +29,22 @@ import {
 @Controller("backoffice/customers")
 @ApiBearerAuth()
 export class CustomerResetController {
-  constructor(private readonly customerResetService: CustomerResetService) {}
+  constructor(
+    private readonly customerResetService: CustomerResetService,
+    private readonly customerAccountsService: CustomerAccountsService,
+  ) {}
+
+  @Get(":companyId/accounts")
+  @BookingStaff(FREIGHT_PERMS.customers.view)
+  @ApiOperation({
+    summary:
+      "The portal login accounts belonging to a customer, primary contact first",
+  })
+  async accounts(
+    @Param("companyId", ParseUUIDPipe) companyId: string,
+  ): Promise<CustomerAccount[]> {
+    return this.customerAccountsService.listForCompany(companyId);
+  }
 
   @Get(":companyId/reset-target")
   @BookingStaff(FREIGHT_PERMS.customers.resetPassword)
diff --git a/apps/edr-freight-api/src/modules/auth/freight-auth.module.ts b/apps/edr-freight-api/src/modules/auth/freight-auth.module.ts
index 557e50fb3..9afe9efc0 100644
--- a/apps/edr-freight-api/src/modules/auth/freight-auth.module.ts
+++ b/apps/edr-freight-api/src/modules/auth/freight-auth.module.ts
@@ -13,6 +13,7 @@ import { AccountController } from './account.controller';
 import { AccountService } from './account.service';
 import { CheckAvailabilityController } from './check-availability.controller';
 import { CheckAvailabilityService } from './check-availability.service';
+import { CustomerAccountsService } from './customer-accounts.service';
 import { CustomerResetController } from './customer-reset.controller';
 import { CustomerResetService } from './customer-reset.service';
 import { ForgotPasswordController } from './forgot-password.controller';
@@ -50,6 +51,7 @@ import { ListUsersService } from './list-users.service';
     CheckAvailabilityService,
     ForgotPasswordService,
     CustomerResetService,
+    CustomerAccountsService,
   ],
   // Shipping-line registration mints activation links through the same
   // staff-triggered reset path customers use.
diff --git a/apps/edr-freight-api/src/modules/billing/billing.service.ts b/apps/edr-freight-api/src/modules/billing/billing.service.ts
index 175e3e00c..9dc6e15e9 100644
--- a/apps/edr-freight-api/src/modules/billing/billing.service.ts
+++ b/apps/edr-freight-api/src/modules/billing/billing.service.ts
@@ -29,6 +29,7 @@ import { PaymentService } from "../payment/payment.service";
 import { InitiateResponseDto, IntentStatusDto } from "../payment/payments.dto";
 import {
   InvoiceDocumentModel,
+  sameCompanyName,
   InvoiceDocumentService,
   pngDataUrl,
 } from "./documents/invoice-document.service";
@@ -875,10 +876,21 @@ export class BillingService {
     totals.push({ label: "Paid", amount: Number(invoice.paidAmount) });
     totals.push({ label: "Balance", amount: Number(invoice.balanceAmount) });
 
+    const tradeName = invoice.companyProfile?.etradeBusiness?.tradeName?.trim();
+
     const summary: InvoiceDocumentModel["summary"] = [
       // Buyer identity — was missing entirely; a MoR-registered invoice must show who it was
       // filed against, not just the seller. VatNumber shown only when the company has one.
       { label: "Buyer", value: invoice.company?.name ?? null },
+      // The trade name of the eTrade licence THIS profile operates as. A TIN
+      // holds many licences and the invoiced role (importer/exporter/forwarder)
+      // is usually a different business from the one the company registered
+      // under, so the buyer's name alone doesn't say which one was billed.
+      // Suppressed when it just repeats the buyer name — most companies trade
+      // under their registered name and a duplicate row helps nobody.
+      ...(tradeName && !sameCompanyName(tradeName, invoice.company?.name)
+        ? [{ label: "Buyer trade name", value: tradeName }]
+        : []),
       { label: "Buyer TIN", value: invoice.company?.tin ?? null },
       ...(invoice.company?.vatNumber
         ? [{ label: "Buyer VAT No.", value: invoice.company.vatNumber }]
diff --git a/apps/edr-freight-api/src/modules/billing/documents/invoice-document.service.spec.ts b/apps/edr-freight-api/src/modules/billing/documents/invoice-document.service.spec.ts
index ebdf51be1..c443fad7e 100644
--- a/apps/edr-freight-api/src/modules/billing/documents/invoice-document.service.spec.ts
+++ b/apps/edr-freight-api/src/modules/billing/documents/invoice-document.service.spec.ts
@@ -1,4 +1,4 @@
-import { InvoiceDocumentModel, InvoiceDocumentService } from "./invoice-document.service";
+import { InvoiceDocumentModel, InvoiceDocumentService, sameCompanyName } from "./invoice-document.service";
 
 const model = (over: Partial<InvoiceDocumentModel> = {}): InvoiceDocumentModel => ({
   kind: "INVOICE",
@@ -87,3 +87,38 @@ describe("InvoiceDocumentService.buildThermalHtml", () => {
     expect(html).not.toContain("right: 160px");
   });
 });
+
+describe("sameCompanyName", () => {
+  it("treats eTrade's legal-suffix spellings as the same name", () => {
+    expect(sameCompanyName("ABIJOEL PLC", "ABIJOEL P L C")).toBe(true);
+    expect(
+      sameCompanyName(
+        "WISH TRADING PLC",
+        "WISH  TRADING  PRIVATE LIMITED COMPANY",
+      ),
+    ).toBe(true);
+    expect(
+      sameCompanyName("TUTA TRADING PLC", "TUTA TRADING ONE MEMBER PLC"),
+    ).toBe(true);
+  });
+
+  it("keeps a genuinely different trade name distinct", () => {
+    // Real pairs from eTrade: the licence trades under a different name than
+    // the company registered under, which is exactly the row worth printing.
+    expect(
+      sameCompanyName("Cozy Coffee Grower and Exporter", "ABIJOEL P L C"),
+    ).toBe(false);
+    expect(sameCompanyName("MENNA PRODUCTION", "ICOFFEE TRADING PLC")).toBe(
+      false,
+    );
+    expect(
+      sameCompanyName("YUNABEK TRADING PLC", "YUNABEK INVESTMENT PLC"),
+    ).toBe(false);
+  });
+
+  it("is false when either side is missing, so no row is printed", () => {
+    expect(sameCompanyName("", "ABIJOEL P L C")).toBe(false);
+    expect(sameCompanyName(null, null)).toBe(false);
+    expect(sameCompanyName("ABIJOEL P L C", undefined)).toBe(false);
+  });
+});
diff --git a/apps/edr-freight-api/src/modules/billing/documents/invoice-document.service.ts b/apps/edr-freight-api/src/modules/billing/documents/invoice-document.service.ts
index 0f8e4ee71..78cea01b6 100644
--- a/apps/edr-freight-api/src/modules/billing/documents/invoice-document.service.ts
+++ b/apps/edr-freight-api/src/modules/billing/documents/invoice-document.service.ts
@@ -48,6 +48,34 @@ function formatDate(value: unknown): string {
   return value ? new Date(value as string | Date).toLocaleDateString("en-GB") : "-";
 }
 
+/**
+ * Is this trade name just the company name again?
+ *
+ * Compared loosely on purpose: eTrade spells the same legal suffix as "PLC",
+ * "P L C" and "PRIVATE LIMITED COMPANY", and pads names with double spaces, so
+ * an exact comparison would call two spellings of one name different and print
+ * a redundant row. Used only to decide whether a trade-name row is worth
+ * showing — never to decide that two businesses ARE the same.
+ */
+export function sameCompanyName(
+  a: string | null | undefined,
+  b: string | null | undefined,
+): boolean {
+  const norm = (v: string | null | undefined) =>
+    (v ?? "")
+      .toUpperCase()
+      .replace(/[.,]/g, "")
+      .replace(/\s+/g, " ")
+      .trim()
+      .replace(/\bPRIVATE LIMITED COMPANY\b/g, "PLC")
+      .replace(/\bP L C\b/g, "PLC")
+      .replace(/\bONE (MEMBER|PERSON) PLC\b/g, "PLC")
+      .replace(/\s+/g, " ")
+      .trim();
+  const left = norm(a);
+  return left !== "" && left === norm(b);
+}
+
 /** One billed line on the document (charge type / fee type agnostic). */
 export interface InvoiceDocumentLine {
   description: string | null;
diff --git a/apps/edr-freight-api/src/modules/companies/companies.controller.ts b/apps/edr-freight-api/src/modules/companies/companies.controller.ts
index 5d29b32f6..000b0733f 100644
--- a/apps/edr-freight-api/src/modules/companies/companies.controller.ts
+++ b/apps/edr-freight-api/src/modules/companies/companies.controller.ts
@@ -32,7 +32,9 @@ import { CreateCompanyDto } from "./dto/create-company.dto";
 import { UpdateCompanyDto } from "./dto/update-company.dto";
 import { CreateExternalProfileDto } from "./dto/create-external-profile.dto";
 import { CreateCompanyWithProfileDto } from "./dto/create-company-with-profile.dto";
+import type { ETradeBusinessOption } from "@edr/types";
 import { AddCompanyProfilesDto } from "./dto/add-company-profiles.dto";
+import { AttachEtradeBusinessDto } from "./dto/attach-etrade-business.dto";
 import { CreateCompanyProfileDto } from "./dto/create-company-profile.dto";
 import {
   CompanyIdentityStateDto,
@@ -260,11 +262,42 @@ export class CompaniesController {
   ): Promise<ResponseCompanyProfileDto[]> {
     const profiles = await this.companiesService.addCompanyProfilesForUser(
       user.id,
-      dto.types,
+      dto.profiles,
     );
     return profiles.map((p) => new ResponseCompanyProfileDto(p));
   }
 
+  @Get("etrade-businesses")
+  @PortalCustomer()
+  @ApiOperation({
+    summary:
+      "The eTrade business licences under this company's TIN, for attaching to its operational profiles",
+  })
+  async listEtradeBusinesses(
+    @CurrentUser() user: CurrentIamUser,
+  ): Promise<ETradeBusinessOption[]> {
+    return this.companiesService.listEtradeBusinessesForUser(user.id);
+  }
+
+  @Patch("company-profiles/:profileId/etrade-business")
+  @PortalCustomer()
+  @ApiOperation({
+    summary:
+      "Attach one of the TIN's eTrade businesses to an operational profile (re-attaching refreshes the stored snapshot)",
+  })
+  async attachEtradeBusiness(
+    @CurrentUser() user: CurrentIamUser,
+    @Param("profileId") profileId: string,
+    @Body() dto: AttachEtradeBusinessDto,
+  ): Promise<ResponseCompanyProfileDto> {
+    const profile = await this.companiesService.attachEtradeBusinessToProfile(
+      user.id,
+      profileId,
+      dto.licenceNumber,
+    );
+    return new ResponseCompanyProfileDto(profile);
+  }
+
   @Post("onboarding/start")
   @PortalCustomer()
   @ApiOperation({
@@ -321,6 +354,7 @@ export class CompaniesController {
       user.id,
       dto.type,
       dto.businessLicense,
+      dto.licenceNumber,
     );
     return new ResponseCompanyProfileDto(profile);
   }
diff --git a/apps/edr-freight-api/src/modules/companies/companies.fayda-identity.spec.ts b/apps/edr-freight-api/src/modules/companies/companies.fayda-identity.spec.ts
index 30c323ac3..da2497d90 100644
--- a/apps/edr-freight-api/src/modules/companies/companies.fayda-identity.spec.ts
+++ b/apps/edr-freight-api/src/modules/companies/companies.fayda-identity.spec.ts
@@ -162,7 +162,16 @@ function makeService(overrides: Partial<Ctx> = {}) {
     {} as never,
     deps.filesService as never,
     deps.fileUploadSettings as never,
-    {} as never,
+    // Only the business-licence lookup is exercised here: adding a role now
+    // resolves which eTrade business it operates as.
+    {
+      findBusinessOption: async (_tin: string, licenceNumber: string) => ({
+        licenceNumber,
+        tradeName: "Test Trade Name",
+        activity: "Freight Forwarders",
+        renewedTo: "7/7/2026",
+      }),
+    } as never,
     deps.companyNotifier as never,
     {} as never,
     deps.verifayda as never,
@@ -502,7 +511,9 @@ describe("the owner is checked against the eTrade licence", () => {
 
 describe("the freight-forwarder gate", () => {
   const addForwarder = (service: CompaniesService) =>
-    service.addCompanyProfilesForUser("user-1", [ProfileType.freightForwarder]);
+    service.addCompanyProfilesForUser("user-1", [
+      { type: ProfileType.freightForwarder, licenceNumber: "LIC-1" },
+    ]);
 
   it("blocks the role while the representative is unverified", async () => {
     const { service } = makeService({ attributes: { poaDeclared: "yes" } });
diff --git a/apps/edr-freight-api/src/modules/companies/companies.poa-delegation.spec.ts b/apps/edr-freight-api/src/modules/companies/companies.poa-delegation.spec.ts
index 96dc3ff53..b801a793f 100644
--- a/apps/edr-freight-api/src/modules/companies/companies.poa-delegation.spec.ts
+++ b/apps/edr-freight-api/src/modules/companies/companies.poa-delegation.spec.ts
@@ -133,7 +133,16 @@ function makeService(overrides: Partial<Ctx> = {}) {
     {} as never,
     deps.filesService as never,
     {} as never,
-    {} as never,
+    // Only the business-licence lookup is exercised here: adding a role now
+    // resolves which eTrade business it operates as.
+    {
+      findBusinessOption: async (_tin: string, licenceNumber: string) => ({
+        licenceNumber,
+        tradeName: "Test Trade Name",
+        activity: "Freight Forwarders",
+        renewedTo: "7/7/2026",
+      }),
+    } as never,
     deps.companyNotifier as never,
     {} as never,
     {} as never,
@@ -200,6 +209,8 @@ describe("PoA delegation paper is enforced wherever PoA state changes", () => {
       service.createCompanyProfileForUser(
         "user-1",
         ProfileType.freightForwarder,
+        undefined,
+        "LIC-1",
       ),
     ).rejects.toBeInstanceOf(BadRequestException);
   });
@@ -263,6 +274,8 @@ describe("PoA delegation paper is enforced wherever PoA state changes", () => {
       service.createCompanyProfileForUser(
         "user-1",
         ProfileType.freightForwarder,
+        undefined,
+        "LIC-1",
       ),
     ).rejects.toBeInstanceOf(BadRequestException);
   });
@@ -277,6 +290,8 @@ describe("PoA delegation paper is enforced wherever PoA state changes", () => {
       service.createCompanyProfileForUser(
         "user-1",
         ProfileType.freightForwarder,
+        undefined,
+        "LIC-1",
       ),
     ).resolves.toBeDefined();
   });
diff --git a/apps/edr-freight-api/src/modules/companies/companies.profile-etrade-business.spec.ts b/apps/edr-freight-api/src/modules/companies/companies.profile-etrade-business.spec.ts
new file mode 100644
index 000000000..c04ce40f9
--- /dev/null
+++ b/apps/edr-freight-api/src/modules/companies/companies.profile-etrade-business.spec.ts
@@ -0,0 +1,149 @@
+import { BadRequestException, NotFoundException } from "@nestjs/common";
+import { CompaniesService } from "./companies.service";
+import { ProfileType } from "./entities/company-profile.entity";
+import { COOPERATIVE_KEY } from "./entities/company.entity";
+
+/**
+ * A TIN holds many business licences; each operational profile names the one it
+ * trades as. What matters here is that the stored business is always eTrade's
+ * own record, looked up under the company's own TIN — never the client's word
+ * for it — and that the requirement lifts for a company eTrade knows nothing
+ * about.
+ */
+const BUSINESSES = [
+  {
+    licenceNumber: "MT/AA/14/670/128936/2007",
+    tradeName: "Pave Freight Forwarding",
+    activity: "Freight Forwarders",
+    renewedTo: "7/7/2026",
+  },
+  {
+    licenceNumber: "MT/AA/14/670/11551235/2017",
+    tradeName: "Pave Minerals Export",
+    activity: "Export trade in minerals",
+    renewedTo: "7/7/2026",
+  },
+];
+
+function makeService(attributes: Record<string, unknown> = {}) {
+  const company = {
+    id: "company-1",
+    tin: "0045014036",
+    type: "customer",
+    attributes,
+    companyProfiles: [{ id: "profile-1", type: ProfileType.exporter }],
+  };
+
+  const created: Record<string, unknown>[] = [];
+  const companyProfilesRepo = {
+    findByCompanyId: jest.fn(async () => created),
+    findByType: jest.fn(async () => null),
+    create: jest.fn(async (row: Record<string, unknown>) => {
+      created.push({ id: `profile-${created.length + 2}`, ...row });
+      return created[created.length - 1];
+    }),
+    update: jest.fn(async (id: string, data: Record<string, unknown>) => ({
+      id,
+      ...data,
+    })),
+  };
+
+  const etradeService = {
+    listBusinessOptions: jest.fn(async () => BUSINESSES),
+    findBusinessOption: jest.fn(async (_tin: string, licenceNumber: string) => {
+      const match = BUSINESSES.find((b) => b.licenceNumber === licenceNumber);
+      if (!match) throw new BadRequestException("no such licence");
+      return match;
+    }),
+  };
+
+  const service = new CompaniesService(
+    {} as never,
+    companyProfilesRepo as never,
+    {} as never,
+    {} as never,
+    { findByUserId: jest.fn(async () => ({ id: "ext-1", companyId: "company-1" })) } as never,
+    {} as never,
+    {} as never,
+    {} as never,
+    etradeService as never,
+    {} as never,
+    {} as never,
+    {} as never,
+  );
+
+  jest
+    .spyOn(service, "getCompanyInfoByUserId")
+    .mockImplementation(async () => ({ profile: {}, company }) as never);
+  // Private, but every add path goes through it; stubbing it keeps this spec on
+  // the business-attachment logic instead of the whole company lookup graph.
+  (service as unknown as Record<string, unknown>).findCompanyById = async () =>
+    company;
+
+  return { service, companyProfilesRepo, etradeService };
+}
+
+describe("attaching an eTrade business to a company profile", () => {
+  it("stores eTrade's own record for the chosen licence, not the client's", async () => {
+    const { service, companyProfilesRepo } = makeService();
+    const updated = await service.attachEtradeBusinessToProfile(
+      "user-1",
+      "profile-1",
+      "MT/AA/14/670/128936/2007",
+    );
+    expect(companyProfilesRepo.update).toHaveBeenCalledWith("profile-1", {
+      etradeBusiness: BUSINESSES[0],
+    });
+    expect(updated.etradeBusiness).toEqual(BUSINESSES[0]);
+  });
+
+  it("refuses a licence eTrade does not list under this TIN", async () => {
+    const { service } = makeService();
+    await expect(
+      service.attachEtradeBusinessToProfile("user-1", "profile-1", "SOMEONE/ELSES/LICENCE"),
+    ).rejects.toBeInstanceOf(BadRequestException);
+  });
+
+  it("refuses a profile belonging to another company", async () => {
+    const { service } = makeService();
+    await expect(
+      service.attachEtradeBusinessToProfile("user-1", "not-mine", BUSINESSES[0].licenceNumber),
+    ).rejects.toBeInstanceOf(NotFoundException);
+  });
+
+  it("the same business may back more than one profile", async () => {
+    const { service, etradeService } = makeService();
+    await service.addCompanyProfilesForUser("user-1", [
+      { type: ProfileType.exporter, licenceNumber: BUSINESSES[0].licenceNumber },
+      { type: ProfileType.importer, licenceNumber: BUSINESSES[0].licenceNumber },
+    ]);
+    expect(etradeService.findBusinessOption).toHaveBeenCalledTimes(2);
+  });
+});
+
+describe("choosing a business is required when the company has one to choose", () => {
+  it("rejects a role added without a licence", async () => {
+    const { service } = makeService();
+    await expect(
+      service.addCompanyProfilesForUser("user-1", [{ type: ProfileType.exporter }]),
+    ).rejects.toBeInstanceOf(BadRequestException);
+  });
+
+  it("lifts the requirement for a co-operative, which has no eTrade record", async () => {
+    const { service, companyProfilesRepo, etradeService } = makeService({
+      [COOPERATIVE_KEY]: true,
+    });
+    await service.addCompanyProfilesForUser("user-1", [
+      { type: ProfileType.exporter },
+    ]);
+    expect(etradeService.findBusinessOption).not.toHaveBeenCalled();
+    expect(companyProfilesRepo.create).toHaveBeenCalledWith(
+      expect.objectContaining({ etradeBusiness: null }),
+    );
+  });
+
+  it("offers a co-operative no businesses to pick from", async () => {
+    const { service } = makeService({ [COOPERATIVE_KEY]: true });
+    await expect(service.listEtradeBusinessesForUser("user-1")).resolves.toEqual([]);
+  });
+});
diff --git a/apps/edr-freight-api/src/modules/companies/companies.repository.ts b/apps/edr-freight-api/src/modules/companies/companies.repository.ts
index 17e3631e0..673e0fe64 100644
--- a/apps/edr-freight-api/src/modules/companies/companies.repository.ts
+++ b/apps/edr-freight-api/src/modules/companies/companies.repository.ts
@@ -84,6 +84,7 @@ export class CompaniesRepository extends BaseRepository<Company> {
       createdTo,
       onboardingCompleted,
       hasPendingChangeRequest,
+      profileType,
       sortBy = 'review',
       sortOrder = 'DESC',
     } = query;
@@ -138,20 +139,46 @@ export class CompaniesRepository extends BaseRepository<Company> {
 
     if (search) {
       const term = `%${search.trim()}%`;
+      // Staff search by whatever is in front of them: the company name, the
+      // TIN/email, a profile reference off a document — and, since a TIN holds
+      // many licences, the trade name or licence number of the specific
+      // business a role operates as. All the per-profile terms share one EXISTS
+      // so a match on any of them qualifies the company once.
       qb.andWhere(
         `(company.name ILIKE :term
           OR company.tin ILIKE :term
           OR company.email ILIKE :term
+          OR company.licence_number ILIKE :term
           OR EXISTS (
             SELECT 1 FROM freight.company_profiles cp
             WHERE cp.company_id = company.id
-              AND cp.reference ILIKE :term
               AND cp.deleted_at IS NULL
+              AND (
+                cp.reference ILIKE :term
+                OR cp.etrade_business->>'tradeName' ILIKE :term
+                OR cp.etrade_business->>'licenceNumber' ILIKE :term
+              )
           ))`,
         { term },
       );
     }
 
+    // Companies holding a given operational role. EXISTS rather than a filter
+    // on the joined `companyProfiles` alias: constraining the join would drop
+    // the company's OTHER profiles from the loaded entity, so the list would
+    // render an exporter-and-importer as importer-only.
+    if (profileType) {
+      qb.andWhere(
+        `EXISTS (
+          SELECT 1 FROM freight.company_profiles cp_type
+          WHERE cp_type.company_id = company.id
+            AND cp_type.deleted_at IS NULL
+            AND cp_type.type = :profileType
+        )`,
+        { profileType },
+      );
+    }
+
     // sortBy is whitelisted by @IsIn on the DTO, so it is safe to interpolate.
     if (sortBy === 'review') {
       // Queue ordering: actionable tiers first, newest first within each. The
diff --git a/apps/edr-freight-api/src/modules/companies/companies.service.ts b/apps/edr-freight-api/src/modules/companies/companies.service.ts
index d7151f200..1080ceb12 100644
--- a/apps/edr-freight-api/src/modules/companies/companies.service.ts
+++ b/apps/edr-freight-api/src/modules/companies/companies.service.ts
@@ -47,7 +47,7 @@ import { ETradeService } from "./services/etrade.service";
 import { CompanyNotifierService } from "./company-notifier.service";
 import { OnboardingRequirementsResponseDto } from "./dto/onboarding-requirements-response.dto";
 import { normalizeE164 } from "../../common/validators/is-phone-number.validator";
-import type { CompanyRegistrationData } from "@edr/types";
+import type { CompanyRegistrationData, ETradeBusinessOption } from "@edr/types";
 import { CreateCompanyDto } from "./dto/create-company.dto";
 import { UpdateCompanyDto } from "./dto/update-company.dto";
 import { CreateExternalProfileDto } from "./dto/create-external-profile.dto";
@@ -343,6 +343,11 @@ export class CompaniesService {
           companyId: company.id,
           type: input.type,
           businessLicense: input.businessLicense ?? null,
+          etradeBusiness: await this.resolveProfileBusiness(
+            company,
+            input.licenceNumber,
+            input.type,
+          ),
           status: ProfileStatus.Pending,
         });
       }
@@ -2149,8 +2154,9 @@ export class CompaniesService {
    */
   async addCompanyProfilesForUser(
     userId: string,
-    types: ProfileType[],
+    inputs: Array<{ type: ProfileType; licenceNumber?: string }>,
   ): Promise<CompanyProfile[]> {
+    const types = inputs.map((i) => i.type);
     const profile = await this.profilesRepo.findByUserId(userId);
     if (!profile)
       throw new NotFoundException(`Profile for user ${userId} not found`);
@@ -2185,11 +2191,21 @@ export class CompaniesService {
         );
       }
 
+      // Which eTrade business this role operates as. Resolved (and rejected if
+      // absent) BEFORE the row is created, so a role never lands unattached on
+      // a company that has licences to pick from.
+      const etradeBusiness = await this.resolveProfileBusiness(
+        company,
+        inputs.find((i) => i.type === type)?.licenceNumber,
+        type,
+      );
+
       // Self-service role adds start Pending and carry no reference — a reference
       // is minted only when a backoffice reviewer approves the role.
       await this.companyProfilesRepo.create({
         companyId,
         type,
+        etradeBusiness,
         status: ProfileStatus.Pending,
       });
     }
@@ -2207,6 +2223,7 @@ export class CompaniesService {
     userId: string,
     type: ProfileType,
     businessLicense?: string,
+    licenceNumber?: string,
   ): Promise<CompanyProfile> {
     const profile = await this.profilesRepo.findByUserId(userId);
     if (!profile)
@@ -2232,12 +2249,18 @@ export class CompaniesService {
       );
     }
     if (!created) {
+      const etradeBusiness = await this.resolveProfileBusiness(
+        company,
+        licenceNumber,
+        type,
+      );
       // New self-service roles start Pending (awaiting backoffice approval) and
       // carry no reference until approved.
       created = await this.companyProfilesRepo.create({
         companyId,
         type,
         businessLicense: businessLicense ?? null,
+        etradeBusiness,
         status: ProfileStatus.Pending,
       });
     }
@@ -2320,6 +2343,7 @@ export class CompaniesService {
           type: p.type,
           reference: p.reference ?? "",
           uploaded: records.some((r) => r.code === LICENSE_CODE),
+          etradeBusiness: p.etradeBusiness ?? null,
         };
       }),
     );
@@ -2331,6 +2355,19 @@ export class CompaniesService {
       ? []
       : licenseProfiles.filter((p) => !p.uploaded);
 
+    // Which eTrade business each role operates as. Enforced here rather than at
+    // role creation because the wizard picks roles on its FIRST step, before a
+    // TIN has been entered — there is nothing to pick from yet. The customer
+    // attaches one on the documents step, alongside that role's licence file,
+    // and onboarding cannot be submitted until every role has one.
+    //
+    // Lifted for a company with no eTrade record at all: a co-operative or a
+    // foreign investor has no licence list, so the requirement would be
+    // unsatisfiable (see `usesManualRegistration`).
+    const missingBusinesses = usesManualRegistration(company)
+      ? []
+      : licenseProfiles.filter((p) => !p.etradeBusiness);
+
     // 4. Power of Attorney. Whether there is one at all is the company's own
     // declaration — the question the wizard asks outright — and that answer is
     // what decides whose identity gets verified, so an unanswered one is itself
@@ -2378,6 +2415,10 @@ export class CompaniesService {
         (p) =>
           `Upload a business license for your ${p.type.replace(/_/g, " ")} profile`,
       ),
+      ...missingBusinesses.map(
+        (p) =>
+          `Choose which eTrade business your ${p.type.replace(/_/g, " ")} profile operates as`,
+      ),
       ...missingPoaFields.map((f) => `Add your ${f.label.toLowerCase()}`),
       ...(missingDelegation
         ? [`Upload the ${POA_DELEGATION_LABEL} for your Power of Attorney`]
@@ -2416,6 +2457,8 @@ export class CompaniesService {
       requiredInfo.length +
       requiredDocCount +
       (cooperative ? 0 : licenseProfiles.length) +
+      // One "which business?" item per role, on the same terms as the licences.
+      (usesManualRegistration(company) ? 0 : licenseProfiles.length) +
       poaItemCount +
       // The declaration and the verification it selects.
       2;
@@ -2424,6 +2467,7 @@ export class CompaniesService {
       (missingInfo.length +
         missingDocs.length +
         missingLicenses.length +
+        missingBusinesses.length +
         missingPoaFields.length +
         (missingDelegation || flaggedDelegation ? 1 : 0) +
         missingIdentityCount);
@@ -3747,6 +3791,86 @@ export class CompaniesService {
     return match?.id ?? null;
   }
 
+  /**
+   * Resolve the eTrade business a new/updated profile is being attached to.
+   *
+   * The client sends a licence number; what gets stored is eTrade's own record
+   * of it, looked up under THIS company's TIN. That is the whole check — a
+   * licence belonging to someone else's TIN simply is not in the list, so a
+   * client cannot attach a profile to a business the company does not hold.
+   *
+   * Returns null (rather than throwing) for a company that registered without
+   * eTrade: a co-operative union or farm holds no business licence, and a
+   * foreign investor's licence is the Investment Commission's, not the trade
+   * registry's. There is no list for them to pick from, so the role is theirs
+   * to hold unattached — the reviewer checks their uploaded documents instead.
+   */
+  private async resolveProfileBusiness(
+    company: Company,
+    licenceNumber: string | undefined,
+    type: ProfileType,
+  ): Promise<ETradeBusinessOption | null> {
+    if (usesManualRegistration(company)) return null;
+    if (!licenceNumber) {
+      throw new BadRequestException(
+        `Choose which of your eTrade business licences the ${type.replace(/_/g, " ")} profile operates as.`,
+      );
+    }
+    return this.etradeService.findBusinessOption(company.tin, licenceNumber);
+  }
+
+  /**
+   * The eTrade business licences the current user's company can attach to its
+   * operational profiles. Empty for a company that registered without eTrade.
+   */
+  async listEtradeBusinessesForUser(
+    userId: string,
+  ): Promise<ETradeBusinessOption[]> {
+    const { company } = await this.getCompanyInfoByUserId(userId);
+    if (usesManualRegistration(company)) return [];
+    return this.etradeService.listBusinessOptions(company.tin);
+  }
+
+  /**
+   * Attach (or re-attach) one of the TIN's eTrade businesses to a profile.
+   *
+   * Separate from role creation because the onboarding wizard picks roles
+   * before the TIN is known — the business is chosen later, on the step that
+   * already collects each role's licence document. Re-attaching also refreshes
+   * the stored snapshot, which is how a renewed licence's new expiry lands.
+   */
+  async attachEtradeBusinessToProfile(
+    userId: string,
+    profileId: string,
+    licenceNumber: string,
+  ): Promise<CompanyProfile> {
+    const { company } = await this.getCompanyInfoByUserId(userId);
+    const profile = (company.companyProfiles ?? []).find(
+      (p) => p.id === profileId,
+    );
+    if (!profile) {
+      throw new NotFoundException(
+        `Company profile ${profileId} not found for this company`,
+      );
+    }
+    if (usesManualRegistration(company)) {
+      throw new BadRequestException(
+        "This company is not registered with eTrade, so it has no business licences to attach.",
+      );
+    }
+    const business = await this.etradeService.findBusinessOption(
+      company.tin,
+      licenceNumber,
+    );
+    const updated = await this.companyProfilesRepo.update(profile.id, {
+      etradeBusiness: business,
+    });
+    if (!updated) {
+      throw new NotFoundException(`Company profile ${profileId} not found`);
+    }
+    return updated;
+  }
+
   /** Resolve a TIN's live eTrade registration data. Throws when eTrade has no matching business licence. */
   private async resolveEtradeRegistration(
     tin: string,
diff --git a/apps/edr-freight-api/src/modules/companies/dto/add-company-profiles.dto.ts b/apps/edr-freight-api/src/modules/companies/dto/add-company-profiles.dto.ts
index 838c42111..8809310cc 100644
--- a/apps/edr-freight-api/src/modules/companies/dto/add-company-profiles.dto.ts
+++ b/apps/edr-freight-api/src/modules/companies/dto/add-company-profiles.dto.ts
@@ -1,9 +1,37 @@
-import { IsArray, IsEnum, ArrayMinSize } from "class-validator";
+import { Type } from "class-transformer";
+import {
+  ArrayMinSize,
+  IsArray,
+  IsEnum,
+  IsOptional,
+  IsString,
+  MaxLength,
+  ValidateNested,
+} from "class-validator";
 import { ProfileType } from "../entities/company-profile.entity";
 
+export class AddCompanyProfileInputDto {
+  @IsEnum(ProfileType)
+  type!: ProfileType;
+
+  /**
+   * Which of the TIN's eTrade business licences this role operates as.
+   *
+   * Optional at the DTO layer, required by the service for any company that
+   * HAS an eTrade record — a co-operative or investor-licence company has none
+   * to pick from, and rejecting them here would be wrong. See
+   * `CompaniesService.resolveProfileBusiness`.
+   */
+  @IsOptional()
+  @IsString()
+  @MaxLength(120)
+  licenceNumber?: string;
+}
+
 export class AddCompanyProfilesDto {
   @IsArray()
   @ArrayMinSize(1)
-  @IsEnum(ProfileType, { each: true })
-  types!: ProfileType[];
+  @ValidateNested({ each: true })
+  @Type(() => AddCompanyProfileInputDto)
+  profiles!: AddCompanyProfileInputDto[];
 }
diff --git a/apps/edr-freight-api/src/modules/companies/dto/attach-etrade-business.dto.ts b/apps/edr-freight-api/src/modules/companies/dto/attach-etrade-business.dto.ts
new file mode 100644
index 000000000..3ee50b51a
--- /dev/null
+++ b/apps/edr-freight-api/src/modules/companies/dto/attach-etrade-business.dto.ts
@@ -0,0 +1,13 @@
+import { IsNotEmpty, IsString, MaxLength } from "class-validator";
+
+export class AttachEtradeBusinessDto {
+  /**
+   * The eTrade licence number of the business this profile operates as. Checked
+   * against the licences eTrade lists under the company's own TIN, so an
+   * unknown or someone else's licence is rejected rather than stored.
+   */
+  @IsString()
+  @IsNotEmpty()
+  @MaxLength(120)
+  licenceNumber!: string;
+}
diff --git a/apps/edr-freight-api/src/modules/companies/dto/create-company-profile.dto.ts b/apps/edr-freight-api/src/modules/companies/dto/create-company-profile.dto.ts
index 9ac6c13b7..9bb5453ee 100644
--- a/apps/edr-freight-api/src/modules/companies/dto/create-company-profile.dto.ts
+++ b/apps/edr-freight-api/src/modules/companies/dto/create-company-profile.dto.ts
@@ -9,4 +9,14 @@ export class CreateCompanyProfileDto {
   @IsString()
   @MaxLength(100)
   businessLicense?: string;
+
+  /**
+   * Which of the TIN's eTrade business licences this role operates as. Required
+   * by the service for any company that has an eTrade record; see
+   * `AddCompanyProfileInputDto.licenceNumber`.
+   */
+  @IsOptional()
+  @IsString()
+  @MaxLength(120)
+  licenceNumber?: string;
 }
diff --git a/apps/edr-freight-api/src/modules/companies/dto/create-company-with-profile.dto.ts b/apps/edr-freight-api/src/modules/companies/dto/create-company-with-profile.dto.ts
index d82093336..db58d0bd7 100644
--- a/apps/edr-freight-api/src/modules/companies/dto/create-company-with-profile.dto.ts
+++ b/apps/edr-freight-api/src/modules/companies/dto/create-company-with-profile.dto.ts
@@ -22,6 +22,16 @@ export class CompanyProfileInputDto {
   @IsString()
   @MaxLength(100)
   businessLicense?: string;
+
+  /**
+   * Which of the TIN's eTrade business licences this role operates as. Required
+   * by the service for any company that has an eTrade record; see
+   * `CompaniesService.resolveProfileBusiness`.
+   */
+  @IsOptional()
+  @IsString()
+  @MaxLength(120)
+  licenceNumber?: string;
 }
 
 export class CreateCompanyWithProfileDto {
diff --git a/apps/edr-freight-api/src/modules/companies/dto/list-companies-query.dto.ts b/apps/edr-freight-api/src/modules/companies/dto/list-companies-query.dto.ts
index 18b816a2a..33a5f4131 100644
--- a/apps/edr-freight-api/src/modules/companies/dto/list-companies-query.dto.ts
+++ b/apps/edr-freight-api/src/modules/companies/dto/list-companies-query.dto.ts
@@ -15,6 +15,7 @@ import {
   CompanyStatus,
   CompanyType,
 } from "../entities/company.entity";
+import { ProfileType } from "../entities/company-profile.entity";
 
 export class ListCompaniesQueryDto {
   @ApiPropertyOptional({ default: 1 })
@@ -56,6 +57,16 @@ export class ListCompaniesQueryDto {
   @IsIn(Object.values(CompanyNationality))
   nationality?: CompanyNationality;
 
+  @ApiPropertyOptional({
+    enum: ProfileType,
+    description:
+      "Only companies holding this operational role. A company may hold " +
+      "several; its other roles are still returned on the row.",
+  })
+  @IsOptional()
+  @IsIn(Object.values(ProfileType))
+  profileType?: ProfileType;
+
   @ApiPropertyOptional({ description: "Registered on or after this instant (ISO)." })
   @IsOptional()
   @IsDateString()
diff --git a/apps/edr-freight-api/src/modules/companies/dto/onboarding-requirements-response.dto.ts b/apps/edr-freight-api/src/modules/companies/dto/onboarding-requirements-response.dto.ts
index 49dad4b8d..a31e517d5 100644
--- a/apps/edr-freight-api/src/modules/companies/dto/onboarding-requirements-response.dto.ts
+++ b/apps/edr-freight-api/src/modules/companies/dto/onboarding-requirements-response.dto.ts
@@ -8,6 +8,7 @@
  * truth the wizard uses to auto-finish.
  */
 
+import type { ETradeBusinessOption } from "@edr/types";
 import {
   CompanyIdentityStateDto,
   PoaDeclaration,
@@ -38,6 +39,11 @@ export interface OnboardingLicenseProfile {
   reference: string;
   /** True when at least one business-license file is stored on the profile. */
   uploaded: boolean;
+  /**
+   * The eTrade business this role operates as, once the customer has attached
+   * one. Null while outstanding — the wizard renders the picker off this.
+   */
+  etradeBusiness: ETradeBusinessOption | null;
 }
 
 export interface OnboardingPoaState {
diff --git a/apps/edr-freight-api/src/modules/companies/dto/response-company.dto.ts b/apps/edr-freight-api/src/modules/companies/dto/response-company.dto.ts
index 7c4348e4f..321d739e3 100644
--- a/apps/edr-freight-api/src/modules/companies/dto/response-company.dto.ts
+++ b/apps/edr-freight-api/src/modules/companies/dto/response-company.dto.ts
@@ -6,6 +6,7 @@ import {
   hasInvestorLicence,
   isCooperative,
 } from '../entities/company.entity';
+import type { ETradeBusinessOption } from '@edr/types';
 import {
   CompanyProfile,
   ProfileLicenseFileView,
@@ -31,6 +32,12 @@ export class ResponseCompanyProfileDto {
    */
   licenseFiles: ProfileLicenseFileView[];
   attributes?: Record<string, any> | null;
+  /**
+   * The eTrade business licence this role operates as, or null when nothing is
+   * attached yet (or the company registered without eTrade). Snapshot — see
+   * `CompanyProfile.etradeBusiness`.
+   */
+  etradeBusiness?: ETradeBusinessOption | null;
   /** Reviewer note when the role is rejected (drives the reapply prompt). */
   reviewNote?: string | null;
   createdAt: Date;
@@ -45,6 +52,7 @@ export class ResponseCompanyProfileDto {
     this.businessLicense = profile.businessLicense;
     this.licenseFiles = [];
     this.attributes = profile.attributes;
+    this.etradeBusiness = profile.etradeBusiness ?? null;
     this.reviewNote = profile.reviewNote ?? null;
     this.createdAt = profile.createdAt;
     this.updatedAt = profile.updatedAt;
diff --git a/apps/edr-freight-api/src/modules/companies/entities/company-profile.entity.ts b/apps/edr-freight-api/src/modules/companies/entities/company-profile.entity.ts
index 9bba9396e..0a16343f4 100644
--- a/apps/edr-freight-api/src/modules/companies/entities/company-profile.entity.ts
+++ b/apps/edr-freight-api/src/modules/companies/entities/company-profile.entity.ts
@@ -1,4 +1,5 @@
 import { BaseEntity } from "@edr/api-common";
+import type { ETradeBusinessOption } from "@edr/types";
 import { Column, Entity, Index, JoinColumn, ManyToOne } from "typeorm";
 import { Company } from "./company.entity";
 
@@ -126,6 +127,23 @@ export class CompanyProfile extends BaseEntity {
   @Column({ name: "business_license_files", type: "jsonb", nullable: true })
   businessLicenseFiles?: BusinessLicenseFile[] | null;
 
+  /**
+   * Which of the TIN's eTrade business licences this profile operates as.
+   *
+   * A TIN holds many licences split by activity, so "exporter" and "freight
+   * forwarder" are usually two different businesses under one company. Stored
+   * as a snapshot rather than a bare licence number so the trade name and
+   * activity render without an eTrade call — that API is slow and regularly
+   * down, and this is display data, not a source of truth. Re-attaching
+   * refreshes it.
+   *
+   * NULL when nothing is attached yet, or when the company registered without
+   * eTrade at all (co-operative / investor licence — see
+   * {@link usesManualRegistration}). One business may back several profiles.
+   */
+  @Column({ name: "etrade_business", type: "jsonb", nullable: true })
+  etradeBusiness?: ETradeBusinessOption | null;
+
   @Column({ name: "attributes", type: "jsonb", nullable: true })
   attributes?: Record<string, any> | null;
 
diff --git a/apps/edr-freight-api/src/modules/companies/services/etrade-business-selection.spec.ts b/apps/edr-freight-api/src/modules/companies/services/etrade-business-selection.spec.ts
index 86117d306..1400c069d 100644
--- a/apps/edr-freight-api/src/modules/companies/services/etrade-business-selection.spec.ts
+++ b/apps/edr-freight-api/src/modules/companies/services/etrade-business-selection.spec.ts
@@ -78,6 +78,27 @@ describe('ETradeService business selection', () => {
     expect(data.businesses?.[0].activity).toBe('Export trade in minerals');
   });
 
+  it("takes the selected licence's trade name as the company name", () => {
+    const { service } = build();
+    const data = service.extractRegistrationData(
+      {
+        LicenceNumber: 'MT/AA/14/670/128936/2007',
+        TradeName: 'Pave Freight Forwarding',
+      } as ETradeBusinessInfo,
+      companyInfo(),
+    );
+    expect(data.companyName).toBe('Pave Freight Forwarding');
+  });
+
+  it('falls back to the registered name when the licence has no trade name', () => {
+    const { service } = build();
+    const data = service.extractRegistrationData(
+      { LicenceNumber: 'x', TradeName: '  ' } as ETradeBusinessInfo,
+      companyInfo(),
+    );
+    expect(data.companyName).toBe('PAVE LOGISTICS AND TRADING P L C');
+  });
+
   it('lists every licence for the picker, code prefixes stripped', () => {
     const { service } = build();
     const data = service.extractRegistrationData(
diff --git a/apps/edr-freight-api/src/modules/companies/services/etrade.service.ts b/apps/edr-freight-api/src/modules/companies/services/etrade.service.ts
index fac57238a..9a258099c 100644
--- a/apps/edr-freight-api/src/modules/companies/services/etrade.service.ts
+++ b/apps/edr-freight-api/src/modules/companies/services/etrade.service.ts
@@ -5,6 +5,7 @@ import { firstValueFrom } from "rxjs";
 import {
   ETradeCompanyInfo,
   ETradeBusinessInfo,
+  ETradeBusinessOption,
   CompanyRegistrationData,
   normalizeRegion,
 } from "@edr/types";
@@ -102,10 +103,16 @@ export class ETradeService {
   }
 
   /**
-   * `companyInfo` carries the registered organization name (`BusinessName`);
-   * `businessInfo` only carries the licence's `TradeName`. Pass both so the
-   * company name resolves to the legal entity rather than the trade name — and
-   * never to `ManagerNameEng`, which is the manager's personal name.
+   * `businessInfo` carries the selected licence's `TradeName`; `companyInfo`
+   * carries the registered organization name (`BusinessName`). The company name
+   * resolves to the trade name of the licence the customer picked — a TIN
+   * routinely trades under a name that is not its registered one, and the
+   * business they selected is the one they operate as here. `BusinessName` is
+   * the fallback, because eTrade leaves `TradeName` blank on plenty of licences.
+   * Never `ManagerNameEng`, which is the manager's personal name.
+   *
+   * Callers that need the legal entity (tax filings, EIMS seller details) must
+   * read `companyInfo.BusinessName` themselves — it is not this field.
    */
   extractRegistrationData(
     businessInfo: ETradeBusinessInfo,
@@ -115,7 +122,7 @@ export class ETradeService {
 
     return {
       companyName:
-        companyInfo?.BusinessName?.trim() || businessInfo.TradeName?.trim() || "",
+        businessInfo.TradeName?.trim() || companyInfo?.BusinessName?.trim() || "",
       licenceNumber: businessInfo.LicenceNumber,
       statusDescription: businessInfo.StatusDescription,
       dateRegistered: businessInfo.DateRegistered,
@@ -137,17 +144,57 @@ export class ETradeService {
       regularPhone: businessInfo.AddressInfo?.RegularPhone || "",
       managerName: primaryManager?.ManagerNameEng || "",
       managerPhone: primaryManager?.RegularPhone || "",
-      businesses: (companyInfo?.Businesses ?? []).map((b) => ({
-        licenceNumber: b.LicenceNumber,
-        tradeName: b.TradesName?.trim() || "",
-        activity: (b.SubGroups ?? [])
-          // Some descriptions repeat the code inline ("(65611)Import trade …").
-          // eTrade also puts null entries in this array, so every hop is optional.
-          .map((g) => g?.Description?.replace(/^\(\d+\)\s*/, "").trim())
-          .filter(Boolean)
-          .join(", "),
-        renewedTo: b.RenewedTo || "",
-      })),
+      businesses: (companyInfo?.Businesses ?? []).map(toBusinessOption),
     };
   }
+
+  /**
+   * Every business licence held under a TIN, as the customer picks them.
+   *
+   * Split out from {@link extractRegistrationData} because attaching a business
+   * to a company profile needs the list alone — no licence detail fetch, so one
+   * eTrade call instead of two.
+   */
+  async listBusinessOptions(tin: string): Promise<ETradeBusinessOption[]> {
+    const companyInfo = await this.getCompanyInfoByTin(tin);
+    return (companyInfo.Businesses ?? []).map(toBusinessOption);
+  }
+
+  /**
+   * Resolve one of the TIN's licences, or throw if eTrade does not list it.
+   *
+   * This is the trust boundary for a client-supplied licence number: a profile
+   * may only ever be attached to a business eTrade actually holds under that
+   * TIN, so the snapshot that gets stored is eTrade's own data, never the
+   * client's.
+   */
+  async findBusinessOption(
+    tin: string,
+    licenceNumber: string,
+  ): Promise<ETradeBusinessOption> {
+    const options = await this.listBusinessOptions(tin);
+    const match = options.find((b) => b.licenceNumber === licenceNumber);
+    if (!match) {
+      throw new BadRequestException(
+        `eTrade lists no business licence "${licenceNumber}" under TIN ${tin}.`,
+      );
+    }
+    return match;
+  }
+}
+
+function toBusinessOption(
+  b: ETradeCompanyInfo["Businesses"][number],
+): ETradeBusinessOption {
+  return {
+    licenceNumber: b.LicenceNumber,
+    tradeName: b.TradesName?.trim() || "",
+    activity: (b.SubGroups ?? [])
+      // Some descriptions repeat the code inline ("(65611)Import trade …").
+      // eTrade also puts null entries in this array, so every hop is optional.
+      .map((g) => g?.Description?.replace(/^\(\d+\)\s*/, "").trim())
+      .filter(Boolean)
+      .join(", "),
+    renewedTo: b.RenewedTo || "",
+  };
 }
diff --git a/apps/edr-freight-api/src/modules/eims/eims-seller-cache.service.ts b/apps/edr-freight-api/src/modules/eims/eims-seller-cache.service.ts
index be3e3aa8e..7afe644a1 100644
--- a/apps/edr-freight-api/src/modules/eims/eims-seller-cache.service.ts
+++ b/apps/edr-freight-api/src/modules/eims/eims-seller-cache.service.ts
@@ -118,7 +118,11 @@ export class EimsSellerCacheService implements OnModuleInit {
         woreda: data.woreda,
       });
       this.cached = {
-        LegalName: data.companyName || undefined,
+        // The *legal* entity name, not the licence's trade name that
+        // `data.companyName` now carries — an EIMS seller is filed under its
+        // registered name.
+        LegalName:
+          companyInfo?.BusinessName?.trim() || data.companyName || undefined,
         Phone: data.mobilePhone || data.regularPhone || undefined,
         Region: geo?.Region,
         Wereda: geo?.Wereda,
diff --git a/apps/edr-freight-api/src/modules/warehouses/warehouse-invoice.service.ts b/apps/edr-freight-api/src/modules/warehouses/warehouse-invoice.service.ts
index 558ffc1a9..e29eba2c2 100644
--- a/apps/edr-freight-api/src/modules/warehouses/warehouse-invoice.service.ts
+++ b/apps/edr-freight-api/src/modules/warehouses/warehouse-invoice.service.ts
@@ -22,6 +22,7 @@ import { InvoiceLine } from "../billing/entities/invoice-line.entity";
 import { PayInvoiceDto as GatewayPayInvoiceDto } from "../billing/dto/pay-invoice.dto";
 import {
   InvoiceDocumentModel,
+  sameCompanyName,
   InvoiceDocumentService,
 } from "../billing/documents/invoice-document.service";
 import { NotificationsService } from "../notifications/notifications.service";
@@ -71,6 +72,11 @@ const ACTIVE_STATUSES: Freight.InvoiceStatus[] = [
 export interface InvoiceDocumentDetails {
   bookingReference: string | null;
   customerName: string | null;
+  /**
+   * Trade name of the eTrade licence the billed company profile operates as.
+   * Null when nothing is attached, or for a company with no eTrade record.
+   */
+  customerTradeName: string | null;
   inventoryReference: string | null;
   inventoryInfo: string | null;
   inventoryStatus: string | null;
@@ -745,6 +751,17 @@ export class WarehouseInvoiceService {
         },
         { label: "Booking reference", value: invoice.bookingReference ?? null },
         { label: "Customer", value: invoice.customerName ?? null },
+        // Which of the TIN's eTrade businesses was billed. Omitted when it just
+        // repeats the customer name — see sameCompanyName.
+        ...(invoice.customerTradeName &&
+          !sameCompanyName(invoice.customerTradeName, invoice.customerName)
+          ? [
+            {
+              label: "Customer trade name",
+              value: invoice.customerTradeName,
+            },
+          ]
+          : []),
         {
           label: "Inventory reference",
           value: invoice.inventoryReference ?? null,
@@ -795,6 +812,7 @@ export class WarehouseInvoiceService {
     const [row] = await this.dataSource.query(
       `SELECT b.reference AS "bookingReference",
               company.name AS "customerName",
+              cp.etrade_business->>'tradeName' AS "customerTradeName",
               COALESCE(inv.release_order_reference, b.reference) AS "inventoryReference",
               inv.status AS "inventoryStatus",
               inv.release_date AS "releaseDate",
@@ -812,6 +830,7 @@ export class WarehouseInvoiceService {
          FROM freight.warehouse_inventory inv
          LEFT JOIN freight.bookings b ON b.id = inv.booking_id AND b.deleted_at IS NULL
          LEFT JOIN freight.companies company ON company.id = b.company_id
+         LEFT JOIN freight.company_profiles cp ON cp.id = b.company_profile_id AND cp.deleted_at IS NULL
          LEFT JOIN freight.containers container ON container.id = inv.container_id AND container.deleted_at IS NULL
          LEFT JOIN freight.booking_container booking_container ON (
            booking_container.booking_id = b.id
@@ -837,6 +856,7 @@ export class WarehouseInvoiceService {
     return {
       bookingReference: row?.bookingReference ?? null,
       customerName: row?.customerName ?? null,
+      customerTradeName: row?.customerTradeName ?? null,
       inventoryReference: row?.inventoryReference ?? null,
       inventoryInfo: row?.inventoryInfo ?? null,
       inventoryStatus: row?.inventoryStatus ?? null,
diff --git a/apps/edr-freight-web/backoffice/src/components/customers/AccountCard.tsx b/apps/edr-freight-web/backoffice/src/components/customers/AccountCard.tsx
new file mode 100644
index 000000000..438f2293a
--- /dev/null
+++ b/apps/edr-freight-web/backoffice/src/components/customers/AccountCard.tsx
@@ -0,0 +1,188 @@
+import {
+  Avatar,
+  Badge,
+  Box,
+  Card,
+  Divider,
+  Group,
+  Stack,
+  Text,
+} from "@mantine/core";
+import { AtSign, Phone, ShieldAlert, UserRound } from "lucide-react";
+
+import type { CustomerAccount } from "@/types/customer";
+import { formatDate, humanize } from "./format";
+
+/** First letters of the person's name; falls back to the login initial. */
+function initials(account: CustomerAccount): string {
+  const letters = [account.firstName, account.lastName]
+    .map((n) => n?.trim()?.[0])
+    .filter(Boolean)
+    .join("");
+  return (letters || account.username?.[0] || "?").toUpperCase();
+}
+
+/** A labelled value; rendered only when there is something to show. */
+function Field({
+  icon,
+  label,
+  value,
+  after,
+}: {
+  icon: React.ReactNode;
+  label: string;
+  value?: string | null;
+  after?: React.ReactNode;
+}) {
+  if (!value?.trim()) return null;
+  return (
+    <Group gap={10} wrap="nowrap" align="flex-start">
+      <Box c="edr-muted" mt={2}>
+        {icon}
+      </Box>
+      <Box style={{ minWidth: 0 }}>
+        <Text size="xs" c="edr-muted">
+          {label}
+        </Text>
+        <Group gap={6} wrap="wrap">
+          <Text size="sm" c="edr-text" style={{ wordBreak: "break-word" }}>
+            {value}
+          </Text>
+          {after}
+        </Group>
+      </Box>
+    </Group>
+  );
+}
+
+/**
+ * One portal login belonging to a customer.
+ *
+ * Distinct from the contact details on the Overview tab: those are the business
+ * contact info on the company row, this is the credential someone actually
+ * signs in with — the two drift apart routinely, and staff answering "the
+ * customer can't log in" need this one.
+ */
+export function AccountCard({ account }: { account: CustomerAccount }) {
+  const name =
+    `${account.firstName ?? ""} ${account.lastName ?? ""}`.trim() ||
+    account.username ||
+    "Unnamed account";
+
+  // No IAM row at all — the profile points at a user that is gone. Treated as a
+  // fault rather than a status: nothing below it can be trusted, so the card
+  // says so once, loudly, instead of drawing empty credential fields.
+  const orphaned = account.username === null;
+
+  return (
+    <Card>
+      <Stack gap="sm">
+        <Group gap="sm" wrap="nowrap" align="flex-start">
+          <Avatar radius="xl" color="edr-green" variant="light">
+            {initials(account)}
+          </Avatar>
+          <Box style={{ minWidth: 0, flex: 1 }}>
+            <Group gap={6} wrap="wrap">
+              <Text fw={600} c="edr-text" style={{ wordBreak: "break-word" }}>
+                {name}
+              </Text>
+              {account.isPrimaryContact && (
+                <Badge size="xs" color="edr-green" variant="light">
+                  Primary contact
+                </Badge>
+              )}
+            </Group>
+            {account.jobTitle && (
+              <Text size="xs" c="edr-muted">
+                {account.jobTitle}
+              </Text>
+            )}
+          </Box>
+        </Group>
+
+        <Group gap={6} wrap="wrap">
+          {orphaned ? (
+            <Badge
+              size="xs"
+              color="red"
+              variant="light"
+              leftSection={<ShieldAlert size={11} />}
+            >
+              No IAM account
+            </Badge>
+          ) : (
+            <>
+              <Badge
+                size="xs"
+                color={account.isActive ? "edr-green" : "orange"}
+                variant="light"
+              >
+                {account.isActive ? "Active" : "Inactive"}
+              </Badge>
+              {account.status && (
+                <Badge size="xs" color="gray" variant="light">
+                  {humanize(account.status)}
+                </Badge>
+              )}
+              {/* Created but never activated by its owner — usually the actual
+                  answer to "they say they never got in". */}
+              {account.hasSetPassword === false && (
+                <Badge size="xs" color="yellow" variant="light">
+                  Password never set
+                </Badge>
+              )}
+            </>
+          )}
+          {account.onboardingCompleted ? (
+            <Badge size="xs" color="edr-green" variant="light">
+              Onboarding submitted
+            </Badge>
+          ) : (
+            <Badge size="xs" color="yellow" variant="light">
+              Onboarding
+              {account.onboardingStep
+                ? ` · ${humanize(account.onboardingStep)}`
+                : " in progress"}
+            </Badge>
+          )}
+        </Group>
+
+        {!orphaned && (
+          <>
+            <Divider />
+            <Stack gap="xs">
+              <Field
+                icon={<UserRound size={14} />}
+                label="Username"
+                value={account.username}
+              />
+              <Field
+                icon={<AtSign size={14} />}
+                label="Email"
+                value={account.email}
+              />
+              <Field
+                icon={<Phone size={14} />}
+                label="Phone"
+                value={account.phoneNumber}
+                after={
+                  account.phoneVerified === false ? (
+                    <Badge size="xs" color="gray" variant="light">
+                      Unverified
+                    </Badge>
+                  ) : undefined
+                }
+              />
+            </Stack>
+          </>
+        )}
+
+        <Text size="xs" c="edr-muted">
+          Created {formatDate(account.createdAt)}
+        </Text>
+      </Stack>
+    </Card>
+  );
+}
+
+export default AccountCard;
diff --git a/apps/edr-freight-web/backoffice/src/components/customers/TableCard.tsx b/apps/edr-freight-web/backoffice/src/components/customers/TableCard.tsx
index b67181da5..14aa8e80e 100644
--- a/apps/edr-freight-web/backoffice/src/components/customers/TableCard.tsx
+++ b/apps/edr-freight-web/backoffice/src/components/customers/TableCard.tsx
@@ -3,6 +3,12 @@ import type { ReactNode } from "react";
 
 export interface TableCardProps {
   children: ReactNode;
+  /**
+   * Optional heading row (title, chips, actions). Rendered in its own padded
+   * section above the table and OUTSIDE the scroll region — a header inside it
+   * would slide away from its own table on a narrow viewport.
+   */
+  header?: ReactNode;
   /**
    * Minimum width (px) the table is forced to occupy. The Mantine `Table` is
    * always `width: 100%`, so without a floor it can never overflow its
@@ -14,14 +20,27 @@ export interface TableCardProps {
 }
 
 /**
- * Flush card shell for a `DataTable`: a borderless, padding-less card whose
- * single child is a horizontally scrollable region. Pair with the table's
- * `containerClassName="border-0 shadow-none bg-transparent"` so every table on
- * the customer pages reads identically (same surface, same scroll behaviour).
+ * Flush card shell for a `DataTable`: a padding-less card whose table region
+ * runs edge to edge. Padding is applied per section rather than to the card, so
+ * the optional {@link TableCardProps.header} is inset like any other card
+ * content while the table's own rows and header cells reach both edges.
+ *
+ * Pair with the table's `containerClassName="border-0 shadow-none bg-transparent"`
+ * so every table on the customer pages reads identically (same surface, same
+ * scroll behaviour).
  */
-export function TableCard({ children, minWidth = 860 }: TableCardProps) {
+export function TableCard({
+  children,
+  minWidth = 860,
+  header,
+}: TableCardProps) {
   return (
     <Card p={0}>
+      {header && (
+        <Box p="md" style={{ borderBottom: "1px solid var(--mantine-color-edr-border-0)" }}>
+          {header}
+        </Box>
+      )}
       <Box style={{ overflowX: "auto" }} w="100%">
         <Box miw={minWidth}>{children}</Box>
       </Box>
diff --git a/apps/edr-freight-web/backoffice/src/components/customers/index.ts b/apps/edr-freight-web/backoffice/src/components/customers/index.ts
index 864a89ae6..463a85eca 100644
--- a/apps/edr-freight-web/backoffice/src/components/customers/index.ts
+++ b/apps/edr-freight-web/backoffice/src/components/customers/index.ts
@@ -15,6 +15,7 @@ export {
   ChangeRequestReview,
   ChangeRequestPendingBadge,
 } from "./ChangeRequestReview";
+export { AccountCard } from "./AccountCard";
 export { CompanyTimeline } from "./CompanyTimeline";
 export {
   RequestDocumentChangeModal,
diff --git a/apps/edr-freight-web/backoffice/src/constants/QUERY_KEYS.ts b/apps/edr-freight-web/backoffice/src/constants/QUERY_KEYS.ts
index 3f1cce1b5..66a55b555 100644
--- a/apps/edr-freight-web/backoffice/src/constants/QUERY_KEYS.ts
+++ b/apps/edr-freight-web/backoffice/src/constants/QUERY_KEYS.ts
@@ -80,6 +80,7 @@ export const QUERY_KEYS = {
     documents: (id: string) =>
       ["customers", "detail", id, "documents"] as const,
     payments: (id: string) => ["customers", "detail", id, "payments"] as const,
+    accounts: (id: string) => ["customers", "detail", id, "accounts"] as const,
     resetTarget: (id: string) =>
       ["customers", "detail", id, "reset-target"] as const,
     changeRequests: (id: string) =>
diff --git a/apps/edr-freight-web/backoffice/src/constants/URLS.ts b/apps/edr-freight-web/backoffice/src/constants/URLS.ts
index 8249537a5..ad0fbafc9 100644
--- a/apps/edr-freight-web/backoffice/src/constants/URLS.ts
+++ b/apps/edr-freight-web/backoffice/src/constants/URLS.ts
@@ -138,6 +138,8 @@ export const URL_CONSTANTS = {
       `/backoffice/customers/${companyId}/reset-password`,
     RESET_TARGET: (companyId: string) =>
       `/backoffice/customers/${companyId}/reset-target`,
+    ACCOUNTS: (companyId: string) =>
+      `/backoffice/customers/${companyId}/accounts`,
   },
 
   BILLING: {
diff --git a/apps/edr-freight-web/backoffice/src/pages/customers/CustomerDetailPage.tsx b/apps/edr-freight-web/backoffice/src/pages/customers/CustomerDetailPage.tsx
index a81f07c8b..8f315dff0 100644
--- a/apps/edr-freight-web/backoffice/src/pages/customers/CustomerDetailPage.tsx
+++ b/apps/edr-freight-web/backoffice/src/pages/customers/CustomerDetailPage.tsx
@@ -29,6 +29,7 @@ import {
   FileText,
   History,
   Hourglass,
+  KeyRound,
   IdCard,
   LayoutGrid,
   Package,
@@ -43,6 +44,7 @@ import { useMemo, useState } from "react";
 import { useNavigate, useParams } from "react-router-dom";
 
 import {
+  AccountCard,
   BookingStatusBadge,
   ChangeRequestPendingBadge,
   ChangeRequestReview,
@@ -157,6 +159,12 @@ export default function CustomerDetailPage() {
       enabled: Boolean(id),
     }),
   );
+  const accountsQuery = useQuery(
+    api.customers.accounts.queryOptions({
+      input: { companyId: id ?? "" },
+      enabled: Boolean(id),
+    }),
+  );
   const documentsQuery = useQuery(
     api.customers.documents.queryOptions({
       input: { id: id ?? "" },
@@ -240,12 +248,61 @@ export default function CustomerDetailPage() {
           <div className="space-y-2">
             <ProfileTypeBadge type={row.original.type} />
 
-            <Text size="sm" fw={600} c="edr-text">
-              {row.original.reference}
-            </Text>
+            {/* The profile reference (EX-A00001). Minted only when a reviewer
+                approves the role, so an unapproved one has none — say so
+                rather than rendering an empty line that reads as a bug. */}
+            {row.original.reference ? (
+              <Text size="sm" fw={600} c="edr-text">
+                {row.original.reference}
+              </Text>
+            ) : (
+              <Text size="xs" c="dimmed" fs="italic">
+                Ref. issued on approval
+              </Text>
+            )}
           </div>
         ),
       },
+      {
+        id: "etradeBusiness",
+        header: "eTrade business",
+        cell: ({ row }) => {
+          const business = row.original.etradeBusiness;
+          // Not attached is a review finding, not a blank: the role names no
+          // business, so there is nothing to check the uploaded licence
+          // against. Companies with no eTrade record legitimately show this,
+          // which is why it reads as a warning rather than an error.
+          if (!business) {
+            return (
+              <Badge size="xs" color="yellow" variant="light">
+                Not attached
+              </Badge>
+            );
+          }
+          return (
+            <Stack gap={2} maw={230}>
+              <Text size="sm" fw={600} c="edr-text" lineClamp={2}>
+                {business.tradeName || "(no trade name on this licence)"}
+              </Text>
+              {business.activity && (
+                <Text size="xs" c="dimmed" lineClamp={2}>
+                  {business.activity}
+                </Text>
+              )}
+              {/* The licence number is what the reviewer matches against the
+                  uploaded document — trade names repeat across licences. */}
+              <Text size="xs" c="dimmed">
+                {business.licenceNumber}
+              </Text>
+              {business.renewedTo && (
+                <Text size="xs" c="dimmed">
+                  Renewed to {business.renewedTo}
+                </Text>
+              )}
+            </Stack>
+          );
+        },
+      },
       {
         id: "licenseFiles",
         header: "License documents",
@@ -774,6 +831,9 @@ export default function CustomerDetailPage() {
           <Tabs.Tab value="invoices" leftSection={<Receipt size={16} />}>
             Invoices
           </Tabs.Tab>
+          <Tabs.Tab value="accounts" leftSection={<KeyRound size={16} />}>
+            Account
+          </Tabs.Tab>
           <Tabs.Tab value="history" leftSection={<History size={16} />}>
             History
           </Tabs.Tab>
@@ -981,29 +1041,29 @@ export default function CustomerDetailPage() {
                     </Stack>
                   </Card>
 
-                  <Card>
-                    <Stack gap="md">
+                  {/* Padding sits on the header section, not the card, so the
+                      table runs edge to edge. minWidth carries the eTrade
+                      business column; the region scrolls rather than squashing
+                      the other columns. */}
+                  <TableCard
+                    minWidth={980}
+                    header={
                       <Group justify="space-between">
                         <Text fw={600} c="edr-text">
                           Role profiles
                         </Text>
                         <ProfileChips profiles={profiles} />
                       </Group>
-                      {/* Narrower than the old full-width layout — the table
-                          shares the row with the people column now. */}
-                      <Box style={{ overflowX: "auto" }} w="100%">
-                        <Box miw={760}>
-                          <DataTable
-                            columns={profileColumns}
-                            data={profiles}
-                            status="success"
-                            emptyMessage="No profiles registered."
-                            containerClassName="border-0 shadow-none bg-transparent"
-                          />
-                        </Box>
-                      </Box>
-                    </Stack>
-                  </Card>
+                    }
+                  >
+                    <DataTable
+                      columns={profileColumns}
+                      data={profiles}
+                      status="success"
+                      emptyMessage="No profiles registered."
+                      containerClassName="border-0 shadow-none bg-transparent"
+                    />
+                  </TableCard>
                 </Stack>
               </Grid.Col>
 
@@ -1439,6 +1499,51 @@ export default function CustomerDetailPage() {
         </Tabs.Panel>
 
         {/* HISTORY */}
+        {/* ACCOUNT — the IAM logins behind this customer. Distinct from the
+            contact details on Overview: those are business contact info on the
+            company row, these are the credentials someone actually signs in
+            with, and the two drift apart routinely. Cards rather than a table:
+            it is a handful of rows of mostly-optional detail, which a table
+            renders as a field of dashes. */}
+        <Tabs.Panel value="accounts" pt="lg">
+          {accountsQuery.isLoading ? (
+            <Center py="xl">
+              <Loader size="sm" color="edr-green" />
+            </Center>
+          ) : accountsQuery.isError ? (
+            <Alert
+              color="red"
+              icon={<AlertTriangle size={16} />}
+              title="Failed to load accounts"
+            >
+              <Group justify="space-between" align="center">
+                <Text size="sm">
+                  We couldn't load this customer's portal logins.
+                </Text>
+                <Button
+                  size="xs"
+                  variant="light"
+                  onClick={() => void accountsQuery.refetch()}
+                >
+                  Retry
+                </Button>
+              </Group>
+            </Alert>
+          ) : (accountsQuery.data?.length ?? 0) === 0 ? (
+            <Card>
+              <Text size="sm" c="edr-muted" ta="center" py="md">
+                This customer has no portal login yet.
+              </Text>
+            </Card>
+          ) : (
+            <SimpleGrid cols={{ base: 1, md: 2 }} spacing="md">
+              {accountsQuery.data?.map((account) => (
+                <AccountCard key={account.profileId} account={account} />
+              ))}
+            </SimpleGrid>
+          )}
+        </Tabs.Panel>
+
         <Tabs.Panel value="history" pt="lg">
           <CompanyTimeline company={company} />
         </Tabs.Panel>
diff --git a/apps/edr-freight-web/backoffice/src/pages/customers/CustomersPage.tsx b/apps/edr-freight-web/backoffice/src/pages/customers/CustomersPage.tsx
index 72eb38fe6..ef57313f6 100644
--- a/apps/edr-freight-web/backoffice/src/pages/customers/CustomersPage.tsx
+++ b/apps/edr-freight-web/backoffice/src/pages/customers/CustomersPage.tsx
@@ -108,6 +108,24 @@ const CUSTOMER_FILTER_DEFS: FilterDef[] = [
       ["customer", "freight_forwarder", "dj_freight_forwarder", "transporter"] as const
     ).map((value) => ({ value, label: humanize(value) })),
   },
+  {
+    // The operational role, not `type` above: one `customer` company routinely
+    // holds importer AND exporter, so this asks "who does X?" rather than
+    // "what kind of company is this?".
+    key: "profileType",
+    label: "Role",
+    type: "enum",
+    multiple: false,
+    options: (
+      [
+        "importer",
+        "exporter",
+        "freight_forwarder",
+        "dj_freight_forwarder",
+        "transporter",
+      ] as const
+    ).map((value) => ({ value, label: humanize(value) })),
+  },
   {
     key: "kind",
     label: "Sector",
@@ -348,7 +366,7 @@ export default function CustomersPage() {
             <FilterBar
               defs={CUSTOMER_FILTER_DEFS}
               controls={controls}
-              searchPlaceholder="Search by company, TIN, email or profile reference…"
+              searchPlaceholder="Search by company, trade name, TIN, email, licence no. or profile ref…"
               sortOptions={SORT_OPTIONS.map((o) => ({ ...o }))}
               viewId="customers"
             >
diff --git a/apps/edr-freight-web/backoffice/src/pages/trainScheduling/TrainScheduleV2DetailPage.tsx b/apps/edr-freight-web/backoffice/src/pages/trainScheduling/TrainScheduleV2DetailPage.tsx
index c2026dce6..94da4837e 100644
--- a/apps/edr-freight-web/backoffice/src/pages/trainScheduling/TrainScheduleV2DetailPage.tsx
+++ b/apps/edr-freight-web/backoffice/src/pages/trainScheduling/TrainScheduleV2DetailPage.tsx
@@ -135,14 +135,8 @@ export default function TrainScheduleV2DetailPage() {
   // Actual departure — staff often dispatch on paper first and record it later,
   // so the time is picked (defaults to now when the dialog opens).
   const [dispatchAt, setDispatchAt] = useState<Date | null>(null);
-  // Loading is manual: dispatch decides the fate of every unloaded origin
-  // boarder — checked = loaded and departs, unchecked = left behind (wagon
-  // freed, booking back to the pool). Default unchecked; government bookings
-  // cannot be removed from a train so they are forced on.
-  const [dispatchLoadedIds, setDispatchLoadedIds] = useState<Set<string>>(new Set());
   const openDispatchConfirm = () => {
     setDispatchAt(new Date());
-    setDispatchLoadedIds(new Set());
     setDispatchConfirmOpen(true);
   };
   const [switchTarget, setSwitchTarget] = useState<EligibleContainerBooking | null>(null);
@@ -473,9 +467,8 @@ export default function TrainScheduleV2DetailPage() {
   // per yard from the track page's log-pass flow. Everything below is advisory.
   const hasDispatchWarnings =
     unassignedCount > 0 || unloadedCount > 0 || intercityNotLoadedCount > 0;
-  // Unloaded boarders at the TRAIN's origin — the dispatch dialog's manual
-  // load/leave list. Mirrors the API's unloadedOriginBoarderIds predicate
-  // (plus government, which is shown but forced-loaded).
+  // Unloaded boarders at the TRAIN's origin — all sent as loaded on dispatch.
+  // Mirrors the API's unloadedOriginBoarderIds predicate (plus government).
   const originYardId = schedule.originStation?.id;
   const pendingOriginBoarders = dispatchBookings.filter(
     (b) =>
@@ -489,12 +482,9 @@ export default function TrainScheduleV2DetailPage() {
           // Shipping-line bookings ride from accept on the credit ledger.
           (Boolean(b.shippingLineCompanyId) && b.status === "FULLY_EXECUTED")),
   );
-  const dispatchLeftCount = pendingOriginBoarders.filter(
-    (b) => !b.isGovernment && !dispatchLoadedIds.has(b.id),
-  ).length;
-  // Origin loading time window: dispatch (which marks the ticked boarders
-  // loaded) is server-rejected until "Start loading" was clicked for the
-  // origin yard, so the button mirrors that gate.
+  // Origin loading time window: dispatch (which marks the boarders loaded)
+  // is server-rejected until "Start loading" was clicked for the origin
+  // yard, so the button mirrors that gate.
   const originLoadingLog = originYardId
     ? schedule.stationWorkLogs?.[originYardId]?.loading
     : undefined;
@@ -557,9 +547,9 @@ export default function TrainScheduleV2DetailPage() {
         id: scheduleId,
         payload: {
           ...(dispatchAt ? { actualDepartureAt: dispatchAt.toISOString() } : {}),
-          loadedBookingIds: pendingOriginBoarders
-            .filter((b) => b.isGovernment || dispatchLoadedIds.has(b.id))
-            .map((b) => b.id),
+          // No per-booking ticking in the dispatch dialog: every pending origin
+          // boarder rides — none are left behind at dispatch time.
+          loadedBookingIds: pendingOriginBoarders.map((b) => b.id),
         },
       });
       await openMarshallingDocument({
@@ -1590,56 +1580,6 @@ export default function TrainScheduleV2DetailPage() {
             radius="md"
           />
 
-          {pendingOriginBoarders.length > 0 ? (
-            <Stack gap={6}>
-              <Text size="sm" fw={700}>
-                Cargo boarding at {schedule.originStation?.label ?? "the origin yard"} —
-                tick what was loaded
-              </Text>
-              {originYardId ? (
-                <StationWorkControls
-                  scheduleId={scheduleId}
-                  yardId={originYardId}
-                  phase="loading"
-                  log={originLoadingLog}
-                />
-              ) : null}
-              <Text size="xs" c="dimmed">
-                Unticked bookings are left behind: removed from this train, their
-                wagons freed, and the booking returned to the pool for a later
-                schedule. The customer is notified.
-              </Text>
-              <Stack gap={6} mah={220} style={{ overflowY: "auto" }}>
-                {pendingOriginBoarders.map((b) => (
-                  <Checkbox
-                    key={b.id}
-                    size="sm"
-                    checked={b.isGovernment || dispatchLoadedIds.has(b.id)}
-                    disabled={b.isGovernment}
-                    onChange={(e) => {
-                      const next = new Set(dispatchLoadedIds);
-                      if (e.currentTarget.checked) next.add(b.id);
-                      else next.delete(b.id);
-                      setDispatchLoadedIds(next);
-                    }}
-                    label={
-                      <Text size="sm" span>
-                        {b.reference ?? b.id.slice(0, 8)} — {b.customer ?? "Unknown customer"}
-                        {b.isGovernment ? " (government — always rides)" : ""}
-                      </Text>
-                    }
-                  />
-                ))}
-              </Stack>
-              {dispatchLeftCount > 0 ? (
-                <Text size="xs" c="orange.7" fw={600}>
-                  {dispatchLeftCount} booking{dispatchLeftCount === 1 ? "" : "s"} will
-                  be left behind and returned to the booking pool.
-                </Text>
-              ) : null}
-            </Stack>
-          ) : null}
-
           {hasDispatchWarnings ? (
             <Alert
               color="orange"
diff --git a/apps/edr-freight-web/backoffice/src/services/api.ts b/apps/edr-freight-web/backoffice/src/services/api.ts
index efb6eed47..9f8b4b877 100644
--- a/apps/edr-freight-web/backoffice/src/services/api.ts
+++ b/apps/edr-freight-web/backoffice/src/services/api.ts
@@ -13,6 +13,7 @@ import type {
   CustomerBooking,
   CustomerDocument,
   CustomerPayment,
+  CustomerAccount,
   CustomerResetTarget,
   PaginatedCompanies,
   ProfileStatus,
@@ -3222,6 +3223,13 @@ export const api = {
       ({ id }) => QUERY_KEYS.CUSTOMERS.payments(id),
     ),
 
+    accounts: endpoint<{ companyId: string }, CustomerAccount[]>(
+      "customers",
+      "accounts",
+      ({ companyId }) => customersService.accounts(companyId),
+      ({ companyId }) => QUERY_KEYS.CUSTOMERS.accounts(companyId),
+    ),
+
     resetTarget: endpoint<{ companyId: string }, CustomerResetTarget>(
       "customers",
       "resetTarget",
diff --git a/apps/edr-freight-web/backoffice/src/services/customers.service.ts b/apps/edr-freight-web/backoffice/src/services/customers.service.ts
index 5b3cc4527..6adf413e3 100644
--- a/apps/edr-freight-web/backoffice/src/services/customers.service.ts
+++ b/apps/edr-freight-web/backoffice/src/services/customers.service.ts
@@ -10,6 +10,7 @@ import type {
   CustomerBooking,
   CustomerDocument,
   CustomerPayment,
+  CustomerAccount,
   CustomerResetTarget,
   PaginatedCompanies,
   ProfileStatus,
@@ -90,6 +91,18 @@ export const customersService = {
       .then((r) => r.data);
   },
 
+  /**
+   * Every portal login belonging to this customer, primary contact first.
+   *
+   * Not filtered to active accounts — a suspended or never-activated login is
+   * exactly what staff are checking when a customer says they cannot sign in.
+   */
+  accounts(companyId: string): Promise<CustomerAccount[]> {
+    return apiClient
+      .get<CustomerAccount[]>(URL_CONSTANTS.COMPANIES.ACCOUNTS(companyId))
+      .then((r) => r.data);
+  },
+
   /**
    * The IAM account a reset link would go to. Read before offering the action
    * so staff see the credentials the link actually reaches, not the company's
diff --git a/apps/edr-freight-web/backoffice/src/types/customer.ts b/apps/edr-freight-web/backoffice/src/types/customer.ts
index 3c2427a1b..1d3eb7588 100644
--- a/apps/edr-freight-web/backoffice/src/types/customer.ts
+++ b/apps/edr-freight-web/backoffice/src/types/customer.ts
@@ -8,6 +8,8 @@
  * API so the data layer can be swapped to live endpoints with no UI changes.
  */
 
+import type { ETradeBusinessOption } from "@edr/types";
+
 /** Mirrors backend `CompanyType`. */
 export type CompanyType =
   | "customer"
@@ -65,6 +67,15 @@ export interface CompanyProfile {
   /** Business-license documents uploaded for this profile. */
   licenseFiles?: LicenseFile[];
   attributes?: Record<string, unknown> | null;
+  /**
+   * Which of the TIN's eTrade business licences this role operates as.
+   *
+   * A TIN routinely holds a dozen licences split by activity, so "exporter" and
+   * "freight forwarder" are usually two different businesses under one company.
+   * Null when the customer has not attached one, or when the company registered
+   * without eTrade at all (co-operative / investment licence).
+   */
+  etradeBusiness?: ETradeBusinessOption | null;
   /** Reviewer note when the role is rejected. */
   reviewNote?: string | null;
   createdAt: string;
@@ -166,6 +177,34 @@ export interface ResetPasswordResult {
  * Distinct from `Company.email` / `Company.phone`, which are business contact
  * details and routinely differ from the credentials the customer logs in with.
  */
+/**
+ * One portal login belonging to a customer: the company-side profile joined to
+ * the IAM account that actually signs in. Mirrors the API's `CustomerAccount`.
+ *
+ * The IAM fields are null when the profile points at a user row that no longer
+ * exists — surfaced rather than hidden, since that is itself a fault worth
+ * seeing.
+ */
+export interface CustomerAccount {
+  profileId: string;
+  userId: string;
+  firstName: string;
+  lastName: string;
+  jobTitle: string | null;
+  isPrimaryContact: boolean;
+  onboardingStep: string | null;
+  onboardingCompleted: boolean;
+  username: string | null;
+  email: string | null;
+  phoneNumber: string | null;
+  phoneVerified: boolean | null;
+  status: string | null;
+  isActive: boolean | null;
+  /** False means the account exists but its owner never set a password. */
+  hasSetPassword: boolean | null;
+  createdAt: string;
+}
+
 export interface CustomerResetTarget {
   userId: string;
   name: string;
@@ -314,6 +353,13 @@ export interface CompanyListFilter {
   kind?: CompanyKind;
   status?: CompanyStatus;
   nationality?: CompanyNationality;
+  /**
+   * Only companies holding this operational role. Distinct from `type`, which
+   * is the company's own kind — a `customer` company can hold importer,
+   * exporter and forwarder roles at once, and its other roles still come back
+   * on the row.
+   */
+  profileType?: ProfileType;
   /** ISO instants — inclusive bounds on the registration date. */
   createdFrom?: string;
   createdTo?: string;
diff --git a/apps/edr-freight-web/portal/src/components/onboarding/EtradeBusinessSelect.tsx b/apps/edr-freight-web/portal/src/components/onboarding/EtradeBusinessSelect.tsx
new file mode 100644
index 000000000..f1be4ab86
--- /dev/null
+++ b/apps/edr-freight-web/portal/src/components/onboarding/EtradeBusinessSelect.tsx
@@ -0,0 +1,110 @@
+import { Alert, Loader, Select, Stack, Text } from "@mantine/core";
+import { useQuery } from "@tanstack/react-query";
+import { AlertCircle } from "lucide-react";
+import { useMemo } from "react";
+
+import type { ETradeBusinessOption } from "@edr/types";
+import { api } from "@/services/api";
+
+/**
+ * The eTrade business licences held under the signed-in company's TIN, cached
+ * for the session. Fetching goes out to eTrade, which is slow and regularly
+ * down, so this must not refetch on every mount of every role card.
+ */
+export function useEtradeBusinesses() {
+  return useQuery({
+    ...api.companies.listEtradeBusinesses.queryOptions(),
+    staleTime: 5 * 60 * 1000,
+    retry: 1,
+  });
+}
+
+/** One licence, as it reads in the dropdown: trade name, then what it licenses. */
+export function businessLabel(b: ETradeBusinessOption): string {
+  const name = b.tradeName || "(no trade name on this licence)";
+  return b.activity ? `${name} — ${b.activity}` : name;
+}
+
+interface EtradeBusinessSelectProps {
+  /** Currently attached licence number, if any. */
+  value: string | null;
+  onChange: (licenceNumber: string) => void;
+  label?: string;
+  error?: string;
+  disabled?: boolean;
+}
+
+/**
+ * Which of the TIN's eTrade businesses a company profile operates as.
+ *
+ * A TIN routinely holds a dozen licences split by activity — export of coffee,
+ * freight forwarding, import of vehicles — so the role a customer signs up for
+ * corresponds to one specific business, not to the company as a whole. The same
+ * business may legitimately back several roles, so nothing is filtered out
+ * because it is already in use elsewhere.
+ */
+export default function EtradeBusinessSelect({
+  value,
+  onChange,
+  label = "Which business does this profile operate as?",
+  error,
+  disabled,
+}: EtradeBusinessSelectProps) {
+  const { data, isLoading, isError } = useEtradeBusinesses();
+
+  const options = useMemo(
+    () =>
+      (data ?? []).map((b) => ({
+        value: b.licenceNumber,
+        label: businessLabel(b),
+      })),
+    [data],
+  );
+
+  if (isLoading) {
+    return (
+      <Stack gap={4}>
+        <Text size="sm" c="edr-muted">
+          {label}
+        </Text>
+        <Loader size="sm" color="edr-green" />
+      </Stack>
+    );
+  }
+
+  if (isError) {
+    return (
+      <Alert color="yellow" icon={<AlertCircle size={16} />}>
+        We couldn't reach eTrade to list your business licences. Try again in a
+        moment.
+      </Alert>
+    );
+  }
+
+  if (options.length === 0) {
+    return (
+      <Text size="xs" c="edr-muted">
+        eTrade lists no business licence under your TIN, so there is nothing to
+        attach here.
+      </Text>
+    );
+  }
+
+  return (
+    <Select
+      label={label}
+      placeholder="Select a business licence"
+      data={options}
+      value={value}
+      onChange={(v) => v && onChange(v)}
+      error={error}
+      disabled={disabled}
+      searchable={options.length > 8}
+      nothingFoundMessage="No matching licence"
+      // The licence number is what identifies the business; the trade name
+      // repeats across licences, so it alone is not enough to tell them apart.
+      description={value ?? undefined}
+      comboboxProps={{ withinPortal: true }}
+    />
+  );
+}
diff --git a/apps/edr-freight-web/portal/src/components/onboarding/OnboardingWizardDialog.tsx b/apps/edr-freight-web/portal/src/components/onboarding/OnboardingWizardDialog.tsx
index b06b1487c..a0972199a 100644
--- a/apps/edr-freight-web/portal/src/components/onboarding/OnboardingWizardDialog.tsx
+++ b/apps/edr-freight-web/portal/src/components/onboarding/OnboardingWizardDialog.tsx
@@ -428,6 +428,7 @@ export default function OnboardingWizardDialog({
     type: p.type,
     reference: p.reference,
     existingFiles: p.licenseFiles ?? [],
+    etradeBusiness: p.etradeBusiness ?? null,
   }));
 
   // The active step across the whole journey, driving the header + progress pill.
diff --git a/apps/edr-freight-web/portal/src/components/onboarding/RoleLicenseStep.tsx b/apps/edr-freight-web/portal/src/components/onboarding/RoleLicenseStep.tsx
index 8270bce74..de4a29d87 100644
--- a/apps/edr-freight-web/portal/src/components/onboarding/RoleLicenseStep.tsx
+++ b/apps/edr-freight-web/portal/src/components/onboarding/RoleLicenseStep.tsx
@@ -1,9 +1,13 @@
 import { Anchor, Group, Stack, Text } from "@mantine/core";
+import { useMutation, useQueryClient } from "@tanstack/react-query";
+import { Fragment } from "react";
 import { Paperclip } from "lucide-react";
 
 import { SmartFileInput } from "@edr/ui-common";
-import type { IFileUploadSetting } from "@edr/types/freight";
+import type { ETradeBusinessOption, IFileUploadSetting } from "@edr/types";
 
+import EtradeBusinessSelect from "@/components/onboarding/EtradeBusinessSelect";
+import { api } from "@/services/api";
 import { fetchViewableFile } from "@/services/files.service";
 import type { LicenseFile } from "@/services/companies.service";
 
@@ -63,6 +67,8 @@ export interface RoleLicenseProfile {
   reference: string;
   /** License files already uploaded for this profile (rehydration). */
   existingFiles: LicenseFile[];
+  /** The eTrade business already attached to this profile, if any. */
+  etradeBusiness?: ETradeBusinessOption | null;
 }
 
 interface RoleLicenseStepProps {
@@ -73,6 +79,8 @@ interface RoleLicenseStepProps {
   onChange: (value: Record<string, File[]>) => void;
   /** "Business license is required" style error, keyed by profile id. */
   errors?: Record<string, string>;
+  /** "Choose a business" error, keyed by profile id. */
+  businessErrors?: Record<string, string>;
 }
 
 /**
@@ -86,16 +94,43 @@ export default function RoleLicenseStep({
   value,
   onChange,
   errors,
+  businessErrors,
 }: RoleLicenseStepProps) {
+  const queryClient = useQueryClient();
+
   const setFiles = (profileId: string, files: File[]) => {
     onChange({ ...value, [profileId]: files });
   };
 
+  // Attaching saves immediately rather than riding along with the step's
+  // submit: the roles were created on the wizard's first step, so each already
+  // has a row to attach to, and persisting on pick means a refresh or a resumed
+  // draft keeps the choice.
+  const attach = useMutation({
+    mutationFn: (vars: { profileId: string; licenceNumber: string }) =>
+      api.companies.attachEtradeBusiness.call(vars),
+    onSuccess: () => {
+      // getInfo FIRST: the wizard reads its role list (and each role's attached
+      // business) from that query, so skipping it leaves the dropdown showing
+      // blank right after a successful pick.
+      queryClient.invalidateQueries({
+        queryKey: api.companies.getInfo.queryKey(),
+      });
+      queryClient.invalidateQueries({
+        queryKey: api.companies.getProfile.queryKey(),
+      });
+      queryClient.invalidateQueries({
+        queryKey: api.companies.onboardingRequirements.queryKey(),
+      });
+    },
+  });
+
   return (
     <Stack gap="md">
       <Text size="sm" c="edr-muted">
-        Upload the business license for each of your operational profiles. You
-        can attach more than one document per profile.
+        For each operational profile, say which of your eTrade business licences
+        it operates as, and upload that licence. You can attach more than one
+        document per profile, and the same business can back more than one role.
       </Text>
 
       {profiles.map((profile) => {
@@ -104,7 +139,21 @@ export default function RoleLicenseStep({
         const hasExisting = profile.existingFiles.length > 0;
 
         return (
-          <>
+          <Fragment key={profile.id}>
+            <EtradeBusinessSelect
+              label={`Which business is your ${label} profile?`}
+              value={profile.etradeBusiness?.licenceNumber ?? null}
+              error={businessErrors?.[profile.id]}
+              // Only the row being saved locks; picking the importer's business
+              // must not freeze the exporter's dropdown next to it.
+              disabled={
+                attach.isPending && attach.variables?.profileId === profile.id
+              }
+              onChange={(licenceNumber) =>
+                attach.mutate({ profileId: profile.id, licenceNumber })
+              }
+            />
+
             {hasExisting && (
               <Stack gap={4} mb="sm">
                 {profile.existingFiles.map((f) => (
@@ -142,7 +191,7 @@ export default function RoleLicenseStep({
                 setFiles(profile.id, files);
               }}
             />
-          </>
+          </Fragment>
         );
       })}
     </Stack>
diff --git a/apps/edr-freight-web/portal/src/constants/URLS.ts b/apps/edr-freight-web/portal/src/constants/URLS.ts
index 1b0a32c28..6b6f701bb 100644
--- a/apps/edr-freight-web/portal/src/constants/URLS.ts
+++ b/apps/edr-freight-web/portal/src/constants/URLS.ts
@@ -106,6 +106,9 @@ export const URL_CONSTANTS = {
     ONBOARDING_REVERT_TO_ETRADE: "/api/companies/onboarding/revert-to-etrade",
     DASHBOARD: "/api/companies/dashboard",
     FETCH_ETRADE_INFO: "/api/companies/fetch-etrade-info",
+    ETRADE_BUSINESSES: "/api/companies/etrade-businesses",
+    PROFILE_ETRADE_BUSINESS: (profileId: string) =>
+      `/api/companies/company-profiles/${profileId}/etrade-business`,
     DOCUMENTS: (id: string) => `/api/companies/${id}/documents`,
     PROFILE_LICENSE: (profileId: string) =>
       `/api/companies/company-profiles/${profileId}/license`,
diff --git a/apps/edr-freight-web/portal/src/hooks/useAuth.ts b/apps/edr-freight-web/portal/src/hooks/useAuth.ts
index d2fbb1026..518d9dd35 100644
--- a/apps/edr-freight-web/portal/src/hooks/useAuth.ts
+++ b/apps/edr-freight-web/portal/src/hooks/useAuth.ts
@@ -232,9 +232,17 @@ const useAuth = () => {
   const createProfile = async (
     type: ProfileTypeValue,
     licenseFiles: File[],
+    /**
+     * Which of the TIN's eTrade businesses the new role operates as. Required
+     * by the API for any company that has an eTrade record.
+     */
+    licenceNumber?: string,
   ): Promise<Result<void>> => {
     try {
-      const created = await api.companies.createCompanyProfile.call({ type });
+      const created = await api.companies.createCompanyProfile.call({
+        type,
+        licenceNumber,
+      });
       if (licenseFiles.length > 0) {
         await companiesService.uploadProfileLicense(created.id, licenseFiles);
       }
diff --git a/apps/edr-freight-web/portal/src/pages/contracts/NewContractPage.tsx b/apps/edr-freight-web/portal/src/pages/contracts/NewContractPage.tsx
index d629c5998..9e9b3bf63 100644
--- a/apps/edr-freight-web/portal/src/pages/contracts/NewContractPage.tsx
+++ b/apps/edr-freight-web/portal/src/pages/contracts/NewContractPage.tsx
@@ -38,6 +38,9 @@ import {
   useParams,
 } from "react-router-dom";
 import useAuth from "@/hooks/useAuth";
+import EtradeBusinessSelect, {
+  useEtradeBusinesses,
+} from "@/components/onboarding/EtradeBusinessSelect";
 import {
   CONTAINER_SIZES,
   CONTRACT_STEPS,
@@ -417,6 +420,11 @@ export default function NewContractPage({
     [profileStatusByType, profileTypes],
   );
 
+  // Empty for a co-operative or investor-licence company — eTrade holds no
+  // record for it, so there is no business to attach and none is asked for.
+  const { data: etradeBusinesses } = useEtradeBusinesses();
+  const createBusinessRequired = (etradeBusinesses?.length ?? 0) > 0;
+
   // Create-profile modal state (license upload → createProfile).
   const [createTarget, setCreateTarget] = useState<ProfileTypeValue | null>(
     null,
@@ -424,6 +432,9 @@ export default function NewContractPage({
   const [pendingOperation, setPendingOperation] =
     useState<OperationType | null>(null);
   const [licenseFiles, setLicenseFiles] = useState<File[]>([]);
+  // Which eTrade business the new role operates as — a TIN holds several
+  // licences and the role corresponds to one of them.
+  const [createLicence, setCreateLicence] = useState<string | null>(null);
   const [createError, setCreateError] = useState<string | null>(null);
   // After a license is uploaded the new profile comes back "pending", so the
   // create-profile modal switches to an "awaiting approval" success state.
@@ -437,11 +448,13 @@ export default function NewContractPage({
     mutationFn: async ({
       type,
       files,
+      licenceNumber,
     }: {
       type: ProfileTypeValue;
       files: File[];
+      licenceNumber?: string;
     }) => {
-      const res = await auth.createProfile(type, files);
+      const res = await auth.createProfile(type, files, licenceNumber);
       if (!res.success) {
         throw new Error(res.error?.message ?? "Failed to create profile");
       }
@@ -507,7 +520,17 @@ export default function NewContractPage({
       setCreateError("Please upload at least one business license file.");
       return;
     }
-    createProfileMutation.mutate({ type: createTarget, files: licenseFiles });
+    // Only companies eTrade actually knows have a licence list; a co-operative
+    // has none, and the API does not ask them for one.
+    if (createBusinessRequired && !createLicence) {
+      setCreateError("Please choose which eTrade business this profile is.");
+      return;
+    }
+    createProfileMutation.mutate({
+      type: createTarget,
+      files: licenseFiles,
+      licenceNumber: createLicence ?? undefined,
+    });
   };
 
   const handleCreateProfileCancel = () => {
@@ -1235,6 +1258,13 @@ export default function NewContractPage({
               Add your business license to create one. It goes to staff for
               approval before you can use it.
             </Text>
+            {createBusinessRequired && (
+              <EtradeBusinessSelect
+                value={createLicence}
+                onChange={setCreateLicence}
+                disabled={createProfileMutation.isPending}
+              />
+            )}
             <FileInput
               label="Business license"
               multiple
diff --git a/apps/edr-freight-web/portal/src/pages/settings/CompanyRolesCard.tsx b/apps/edr-freight-web/portal/src/pages/settings/CompanyRolesCard.tsx
index 974af456e..ccd8adc35 100644
--- a/apps/edr-freight-web/portal/src/pages/settings/CompanyRolesCard.tsx
+++ b/apps/edr-freight-web/portal/src/pages/settings/CompanyRolesCard.tsx
@@ -6,10 +6,15 @@ import {
   Card,
   Group,
   SimpleGrid,
+  Stack,
   Text,
   Title,
 } from "@mantine/core";
 import { api } from "@/services/api";
+import EtradeBusinessSelect, {
+  businessLabel,
+  useEtradeBusinesses,
+} from "@/components/onboarding/EtradeBusinessSelect";
 import type { CompanyProfileResponse } from "@/services/companies.service";
 import type { ProfileResponse } from "@/types/profile";
 import RoleCard from "./RoleCard";
@@ -63,6 +68,16 @@ export default function CompanyRolesCard({ profile }: CompanyRolesCardProps) {
 
   const [selected, setSelected] = useState<Set<string>>(new Set());
 
+  // Which eTrade business each newly-selected role will operate as. A TIN holds
+  // many licences split by activity, so this is picked per role, not per
+  // company — and the same business may back several roles.
+  const [licenceByType, setLicenceByType] = useState<Record<string, string>>({});
+
+  // Empty for a co-operative or investor-licence company: eTrade holds no
+  // record for it, so there is nothing to attach and nothing to require.
+  const { data: businesses } = useEtradeBusinesses();
+  const businessRequired = (businesses?.length ?? 0) > 0;
+
   const toggle = (type: string) => {
     if (profileByType.has(type)) return; // add-only: existing roles are locked
     setSelected((prev) => {
@@ -71,13 +86,40 @@ export default function CompanyRolesCard({ profile }: CompanyRolesCardProps) {
       else next.add(type);
       return next;
     });
+    // Deselecting drops the licence with it, so re-picking the role does not
+    // silently reuse a choice the user backed out of.
+    setLicenceByType((prev) => {
+      const next = { ...prev };
+      delete next[type];
+      return next;
+    });
   };
 
+  // Attach (or change) the business on a role that already exists.
+  const attachMutation = useMutation({
+    mutationFn: (vars: { profileId: string; licenceNumber: string }) =>
+      api.companies.attachEtradeBusiness.call(vars),
+    onSuccess: () => {
+      queryClient.invalidateQueries({
+        queryKey: api.companies.getProfile.queryKey(),
+      });
+      queryClient.invalidateQueries({
+        queryKey: api.companies.getInfo.queryKey(),
+      });
+    },
+  });
+
   const mutation = useMutation({
     mutationFn: (types: string[]) =>
-      api.companies.addCompanyProfiles.call({ types }),
+      api.companies.addCompanyProfiles.call({
+        profiles: types.map((type) => ({
+          type,
+          licenceNumber: licenceByType[type],
+        })),
+      }),
     onSuccess: () => {
       setSelected(new Set());
+      setLicenceByType({});
       queryClient.invalidateQueries({
         queryKey: api.companies.getProfile.queryKey(),
       });
@@ -103,8 +145,14 @@ export default function CompanyRolesCard({ profile }: CompanyRolesCardProps) {
     },
   });
 
+  // Every selected role needs its business named first — the API rejects a role
+  // added without one, so the button is what tells the user, not a 400.
+  const missingLicence =
+    businessRequired &&
+    Array.from(selected).some((type) => !licenceByType[type]);
+
   const handleSave = () => {
-    if (selected.size === 0) return;
+    if (selected.size === 0 || missingLicence) return;
     mutation.mutate(Array.from(selected));
   };
 
@@ -142,25 +190,53 @@ export default function CompanyRolesCard({ profile }: CompanyRolesCardProps) {
                 lockedNote={view?.note}
                 lockedNoteColor={view?.color}
                 detail={
-                  (rejected || existing?.status === "suspended") &&
-                  existing?.reviewNote
-                    ? `Reviewer note: ${existing.reviewNote}`
+                  existing
+                    ? [
+                      existing.etradeBusiness
+                        ? `Operating as: ${businessLabel(existing.etradeBusiness)}`
+                        : businessRequired
+                          ? "No eTrade business attached yet"
+                          : null,
+                      (rejected || existing.status === "suspended") &&
+                        existing.reviewNote
+                        ? `Reviewer note: ${existing.reviewNote}`
+                        : null,
+                    ]
+                      .filter(Boolean)
+                      .join(" · ") || undefined
                     : undefined
                 }
                 action={
-                  rejected ? (
-                    <Button
-                      size="xs"
-                      variant="light"
-                      leftSection={<RefreshCw size={14} />}
-                      loading={
-                        reapplyMutation.isPending &&
-                        reapplyMutation.variables === existing.id
-                      }
-                      onClick={() => reapplyMutation.mutate(existing.id)}
-                    >
-                      Resubmit for approval
-                    </Button>
+                  existing ? (
+                    <Stack gap="xs">
+                      {businessRequired && (
+                        <EtradeBusinessSelect
+                          label="Operating as"
+                          value={existing.etradeBusiness?.licenceNumber ?? null}
+                          disabled={attachMutation.isPending}
+                          onChange={(licenceNumber) =>
+                            attachMutation.mutate({
+                              profileId: existing.id,
+                              licenceNumber,
+                            })
+                          }
+                        />
+                      )}
+                      {rejected && (
+                        <Button
+                          size="xs"
+                          variant="light"
+                          leftSection={<RefreshCw size={14} />}
+                          loading={
+                            reapplyMutation.isPending &&
+                            reapplyMutation.variables === existing.id
+                          }
+                          onClick={() => reapplyMutation.mutate(existing.id)}
+                        >
+                          Resubmit for approval
+                        </Button>
+                      )}
+                    </Stack>
                   ) : undefined
                 }
                 onClick={() => toggle(opt.type)}
@@ -170,6 +246,29 @@ export default function CompanyRolesCard({ profile }: CompanyRolesCardProps) {
         </SimpleGrid>
       )}
 
+      {businessRequired && selected.size > 0 && (
+        <Stack gap="sm" mt="lg">
+          <Text size="sm" c="edr-muted">
+            Say which of your eTrade business licences each new role operates as.
+          </Text>
+          {options
+            .filter((opt) => selected.has(opt.type))
+            .map((opt) => (
+              <EtradeBusinessSelect
+                key={opt.type}
+                label={`${opt.label} operates as`}
+                value={licenceByType[opt.type] ?? null}
+                onChange={(licenceNumber) =>
+                  setLicenceByType((prev) => ({
+                    ...prev,
+                    [opt.type]: licenceNumber,
+                  }))
+                }
+              />
+            ))}
+        </Stack>
+      )}
+
       {options.length > 0 && (
         <Group
           justify="space-between"
@@ -199,7 +298,7 @@ export default function CompanyRolesCard({ profile }: CompanyRolesCardProps) {
             type="button"
             leftSection={<Save size={16} />}
             loading={mutation.isPending}
-            disabled={selected.size === 0}
+            disabled={selected.size === 0 || missingLicence}
             onClick={handleSave}
           >
             {selected.size > 1 ? "Add Roles" : "Add Role"}
diff --git a/apps/edr-freight-web/portal/src/services/api.ts b/apps/edr-freight-web/portal/src/services/api.ts
index 2f633a06b..1c77c2c80 100644
--- a/apps/edr-freight-web/portal/src/services/api.ts
+++ b/apps/edr-freight-web/portal/src/services/api.ts
@@ -1,4 +1,4 @@
-import type { Freight, PaginatedResponse } from "@edr/types";
+import type { ETradeBusinessOption, Freight, PaginatedResponse } from "@edr/types";
 import { endpoint } from "@/utils/endpoint";
 import type {
   CreateFileUploadFieldDto,
@@ -219,14 +219,13 @@ export const api = {
       companiesService.getDashboard,
     ),
 
-    addCompanyProfiles: endpoint<{ types: string[] }, CompanyProfileResponse[]>(
-      "companies",
-      "addCompanyProfiles",
-      companiesService.addCompanyProfiles,
-    ),
+    addCompanyProfiles: endpoint<
+      { profiles: { type: string; licenceNumber?: string }[] },
+      CompanyProfileResponse[]
+    >("companies", "addCompanyProfiles", companiesService.addCompanyProfiles),
 
     createCompanyProfile: endpoint<
-      { type: ProfileTypeValue; businessLicense?: string },
+      { type: ProfileTypeValue; businessLicense?: string; licenceNumber?: string },
       CompanyProfileResponse
     >(
       "companies",
@@ -234,6 +233,21 @@ export const api = {
       companiesService.createCompanyProfile,
     ),
 
+    listEtradeBusinesses: endpoint<void, ETradeBusinessOption[]>(
+      "companies",
+      "listEtradeBusinesses",
+      companiesService.listEtradeBusinesses,
+    ),
+
+    attachEtradeBusiness: endpoint<
+      { profileId: string; licenceNumber: string },
+      CompanyProfileResponse
+    >(
+      "companies",
+      "attachEtradeBusiness",
+      companiesService.attachEtradeBusiness,
+    ),
+
     startOnboarding: endpoint<
       {
         companyType: string;
diff --git a/apps/edr-freight-web/portal/src/services/companies.service.ts b/apps/edr-freight-web/portal/src/services/companies.service.ts
index 4a6c3139e..466d82470 100644
--- a/apps/edr-freight-web/portal/src/services/companies.service.ts
+++ b/apps/edr-freight-web/portal/src/services/companies.service.ts
@@ -2,6 +2,7 @@ import { client } from "@/utils/api";
 import { unwrap } from "@/utils/endpoint";
 import { URL_CONSTANTS } from "@/constants/URLS";
 import type { ApiResponse } from "@/types/apiResponse";
+import type { ETradeBusinessOption } from "@edr/types";
 import type { CompanyIdentityState } from "./verifayda.service";
 import type { ProfileResponse, UpdateProfilePayload } from "@/types/profile";
 import { isAxiosError } from "axios";
@@ -83,6 +84,11 @@ export interface CompanyProfileResponse {
   /** Business-license documents uploaded for this profile. */
   licenseFiles: LicenseFile[];
   attributes: Record<string, any> | null;
+  /**
+   * The eTrade business licence this role operates as, or null when nothing is
+   * attached yet (or the company registered without eTrade).
+   */
+  etradeBusiness: ETradeBusinessOption | null;
   /** Reviewer note when the role is rejected (drives the reapply prompt). */
   reviewNote?: string | null;
   createdAt: string;
@@ -338,7 +344,7 @@ export const companiesService = {
   },
 
   addCompanyProfiles: async (payload: {
-    types: string[];
+    profiles: { type: string; licenceNumber?: string }[];
   }): Promise<CompanyProfileResponse[]> => {
     const response = await client.post<ApiResponse<CompanyProfileResponse[]>>(
       URL_CONSTANTS.COMPANIES_API.COMPANY_PROFILES,
@@ -351,6 +357,7 @@ export const companiesService = {
   createCompanyProfile: async (payload: {
     type: ProfileTypeValue;
     businessLicense?: string;
+    licenceNumber?: string;
   }): Promise<CompanyProfileResponse> => {
     const response = await client.post<ApiResponse<CompanyProfileResponse>>(
       URL_CONSTANTS.COMPANIES_API.COMPANY_PROFILE,
@@ -359,6 +366,29 @@ export const companiesService = {
     return unwrap(response.data);
   },
 
+  /**
+   * The eTrade business licences held under this company's TIN. Empty for a
+   * co-operative or investor-licence company, which has no eTrade record.
+   */
+  listEtradeBusinesses: async (): Promise<ETradeBusinessOption[]> => {
+    const response = await client.get<ApiResponse<ETradeBusinessOption[]>>(
+      URL_CONSTANTS.COMPANIES_API.ETRADE_BUSINESSES,
+    );
+    return unwrap(response.data);
+  },
+
+  /** Attach (or re-attach) one of those businesses to an operational profile. */
+  attachEtradeBusiness: async (payload: {
+    profileId: string;
+    licenceNumber: string;
+  }): Promise<CompanyProfileResponse> => {
+    const response = await client.patch<ApiResponse<CompanyProfileResponse>>(
+      URL_CONSTANTS.COMPANIES_API.PROFILE_ETRADE_BUSINESS(payload.profileId),
+      { licenceNumber: payload.licenceNumber },
+    );
+    return unwrap(response.data);
+  },
+
   /** Begin onboarding — create the draft company + profile + role(s) up front. */
   startOnboarding: async (payload: {
     companyType: string;
diff --git a/apps/edr-passenger-api/src/app.module.ts b/apps/edr-passenger-api/src/app.module.ts
index bd8372b29..e3b85c21f 100644
--- a/apps/edr-passenger-api/src/app.module.ts
+++ b/apps/edr-passenger-api/src/app.module.ts
@@ -3,6 +3,7 @@ import { APP_FILTER } from "@nestjs/core";
 import { ConfigModule, ConfigService } from "@nestjs/config";
 import { ScheduleModule } from "@nestjs/schedule";
 import { EventEmitterModule } from "@nestjs/event-emitter";
+import { ThrottlerModule } from "@nestjs/throttler";
 import { TypeOrmModule, TypeOrmModuleOptions } from "@nestjs/typeorm";
 import { IamBaselineSeeder, IamSeedModule } from "@edr/iam-seed";
 import { IamModule as TriaIamModule } from "@tria-plc/iamapi-common/iam.module";
@@ -82,6 +83,17 @@ import { EOtpType } from "@tria-plc/iamapi-common";
     }),
     ScheduleModule.forRoot(),
     EventEmitterModule.forRoot(),
+    // Named tiers only — no APP_GUARD is registered, so nothing is throttled until a
+    // controller opts in with @UseGuards(ThrottlerGuard). AuthController is currently the
+    // only one that does, because the staged sign-in exposes an account-existence lookup.
+    ThrottlerModule.forRoot([
+      // 20/min, not the 5/min the commented-out decorators suggested: the staged sign-in
+      // legitimately costs 3-5 calls (lookup → request code → resend → complete → a retry
+      // after a typo), and the throttler keys on IP, so users sharing a NAT or mobile CGNAT
+      // address share the budget. 5 would lock real passengers out.
+      { name: "auth", limit: 20, ttl: 60_000 },
+      { name: "strict", limit: 20, ttl: 60_000 },
+    ]),
     TypeOrmModule.forRootAsync({
       inject: [ConfigService],
       useFactory: (config: ConfigService): TypeOrmModuleOptions =>
@@ -97,8 +109,11 @@ import { EOtpType } from "@tria-plc/iamapi-common";
           `Your EDR Passenger phone verification code is ${otp}. It will expire in 5 minutes.`,
         [EOtpType.RESET_PASSWORD]: ({ route }) =>
           `Reset your EDR Passenger password using this link: ${route}`,
-        [EOtpType.SET_PASSWORD]: ({ route }) =>
-          `Set your EDR Passenger password using this link: ${route}`,
+        // Carries the bare code as well as the link: the staged sign-in asks for the code
+        // inline, while the link is still what a `/set-password` deep link from an older SMS
+        // relies on. `OtpMessageContext` supplies both.
+        [EOtpType.SET_PASSWORD]: ({ otp, route }) =>
+          `Your EDR Passenger code is ${otp}. Or set your password here: ${route}`,
       },
     }),
     // Replaces the package's DataSeeder. Shared with edr-freight-api, which
diff --git a/apps/edr-passenger-api/src/common/utils/phone.utils.ts b/apps/edr-passenger-api/src/common/utils/phone.utils.ts
new file mode 100644
index 000000000..73ca8dc16
--- /dev/null
+++ b/apps/edr-passenger-api/src/common/utils/phone.utils.ts
@@ -0,0 +1,77 @@
+/**
+ * Phone normalisation shared by any lookup that has to match a number a customer typed
+ * against one already stored. Ethiopian numbers reach us in three interchangeable shapes
+ * (+2519…, 2519…, 09…) depending on whether they came from IAM, a guest booking form or a
+ * saved profile, so an exact-string match silently misses.
+ */
+
+/**
+ * Returns all plausible normalised variants of a raw phone string so that the
+ * DB query matches regardless of how the number was stored (local 09… vs international +251…).
+ * Returns an empty array when the input is clearly invalid (< 7 digits).
+ */
+export function normalizePhoneVariants(raw: string): string[] {
+  // Strip whitespace, dashes, dots, parentheses — keep digits and a leading +
+  const stripped = raw.replace(/[^\d+]/g, '');
+  const digits = stripped.replace(/^\+/, '');
+  if (digits.length < 7) return [];
+
+  const variants = new Set<string>([stripped]);
+
+  if (stripped.startsWith('+251') && digits.length === 12) {
+    // +251 9XXXXXXXX → 251 9XXXXXXXX (no +) → 09XXXXXXXX
+    variants.add(digits);                   // 251XXXXXXXXX
+    variants.add('0' + digits.slice(3));    // 09XXXXXXXXX
+  } else if (stripped.startsWith('251') && digits.length === 12) {
+    // 251 9XXXXXXXX → +251 9XXXXXXXX → 09XXXXXXXX
+    variants.add('+' + stripped);           // +251XXXXXXXXX
+    variants.add('0' + digits.slice(3));    // 09XXXXXXXXX
+  } else if (stripped.startsWith('0') && digits.length === 10) {
+    // 09XXXXXXXX → +251 9XXXXXXXX → 251 9XXXXXXXX (no +)
+    variants.add('+251' + digits.slice(1)); // +251XXXXXXXXX
+    variants.add('251' + digits.slice(1));  // 251XXXXXXXXX
+  } else if (!stripped.startsWith('+') && digits.length >= 9) {
+    // bare international digits without +
+    variants.add('+' + digits);
+  }
+
+  return [...variants];
+}
+
+/**
+ * A sign-in identifier is a single free-text field: the passenger types either an email
+ * address or a phone number and the server works out which. Phone is the default reading —
+ * an email must contain an `@` with something either side of it, everything else is treated
+ * as a number so that malformed emails don't silently fall through to a phone lookup that
+ * can never match.
+ */
+export type ResolvedIdentifier = {
+  kind: 'email' | 'phone';
+  /** Lower-cased email, or null when the input is a phone number. */
+  email: string | null;
+  /** Every stored shape the number could have, or [] when the input is an email. */
+  phoneVariants: string[];
+};
+
+const EMAIL_RE = /^[^\s@]+@[^\s@]+\.[^\s@]+$/;
+
+export function resolveIdentifier(raw: string): ResolvedIdentifier {
+  const trimmed = raw.trim();
+  if (EMAIL_RE.test(trimmed)) {
+    return { kind: 'email', email: trimmed.toLowerCase(), phoneVariants: [] };
+  }
+  return { kind: 'phone', email: null, phoneVariants: normalizePhoneVariants(trimmed) };
+}
+
+/**
+ * `+251912345678` → `+2519****678`. Shown on the OTP screen so the passenger can tell which
+ * number the code went to without the server handing back the full number to an unauthenticated
+ * caller.
+ */
+export function maskPhone(phone: string): string {
+  const stripped = phone.replace(/[^\d+]/g, '');
+  if (stripped.length <= 7) return stripped;
+  const head = stripped.slice(0, stripped.startsWith('+') ? 5 : 4);
+  const tail = stripped.slice(-3);
+  return `${head}${'*'.repeat(4)}${tail}`;
+}
diff --git a/apps/edr-passenger-api/src/modules/auth/auth.controller.ts b/apps/edr-passenger-api/src/modules/auth/auth.controller.ts
index 96ad8a178..ce076c970 100644
--- a/apps/edr-passenger-api/src/modules/auth/auth.controller.ts
+++ b/apps/edr-passenger-api/src/modules/auth/auth.controller.ts
@@ -21,6 +21,7 @@ import {
   ApiBearerAuth,
 } from "@nestjs/swagger";
 import { IsPublic } from "@tria-plc/api-common/modules/auth/decorators/public.decorator";
+import { Throttle, ThrottlerGuard } from "@nestjs/throttler";
 import { PassengerAuthService } from "./passenger-auth.service";
 import {
   RegisterDto,
@@ -28,12 +29,19 @@ import {
   ResendRegistrationCodeDto,
   FaydaRequestPasswordSetupDto,
   FaydaVerifyAndLoginDto,
+  IdentifierLookupDto,
+  PasswordSetupRequestDto,
+  PasswordSetupCompleteDto,
 } from "./auth.dto";
 import { JwtGuard } from "../../common/jwt.guard";
 
 @ApiTags("Passenger Auth")
 @Controller("auth")
-// @Throttle({ auth: { limit: 5, ttl: 60_000 } })
+// Scoped to this controller rather than registered as a global APP_GUARD: the staged sign-in
+// exposes an account-existence lookup, and rate limiting is the mitigation for it. Applying the
+// guard app-wide would change the behaviour of every other module at the same time.
+@UseGuards(ThrottlerGuard)
+@Throttle({ auth: { limit: 20, ttl: 60_000 } })
 export class AuthController {
   constructor(private passengerAuthService: PassengerAuthService) {}
 
@@ -189,6 +197,63 @@ export class AuthController {
     return this.passengerAuthService.resetUserPassword(id, body.tempPassword);
   }
 
+  @Post("identifier/lookup")
+  @IsPublic()
+  @HttpCode(HttpStatus.OK)
+  // Tighter than the rest of the controller: this is the endpoint that answers "does this
+  // account exist", so it is the one worth making expensive to sweep. Still roomy enough
+  // that a passenger correcting a typo two or three times is unaffected.
+  @Throttle({ auth: { limit: 10, ttl: 60_000 } })
+  @ApiOperation({
+    summary: "Step 1 of sign-in — decide what to ask the user for next",
+    description:
+      "Takes a phone number or an email and reports whether the account exists and whether it " +
+      "already has a password. PASSWORD → ask for the password. NEEDS_PASSWORD_SETUP → send a " +
+      "code and let them set one. NOT_FOUND → sign them up.",
+  })
+  @ApiResponse({
+    status: 200,
+    description: "{ status, method?, maskedPhone? } — never returns email or user id",
+  })
+  @ApiBody({ type: IdentifierLookupDto })
+  lookupIdentifier(@Body() dto: IdentifierLookupDto) {
+    return this.passengerAuthService.lookupIdentifier(dto.identifier);
+  }
+
+  @Post("password-setup/request")
+  @IsPublic()
+  @HttpCode(HttpStatus.OK)
+  @ApiOperation({
+    summary: "Send the SMS code that lets an account with no password set one",
+    description:
+      "Covers Fayda-created accounts and abandoned registrations alike. Always returns " +
+      "{ sent: true } regardless of whether the account exists.",
+  })
+  @ApiResponse({ status: 200, description: "{ sent: true }" })
+  @ApiBody({ type: PasswordSetupRequestDto })
+  requestPasswordSetup(@Body() dto: PasswordSetupRequestDto, @Request() req: any) {
+    return this.passengerAuthService.requestPasswordSetup(dto.identifier, req);
+  }
+
+  @Post("password-setup/complete")
+  @IsPublic()
+  @HttpCode(HttpStatus.OK)
+  @ApiOperation({
+    summary: "Redeem the code, set the password, and sign in",
+    description:
+      "Accepts both set-password codes (from password-setup/request) and verify-phone-number " +
+      "codes (from POST /auth/register), so one screen finishes both branches.",
+  })
+  @ApiResponse({
+    status: 200,
+    description: "Same shape as POST /auth/login — token, refreshToken and user.",
+  })
+  @ApiResponse({ status: 401, description: "Invalid or expired code" })
+  @ApiBody({ type: PasswordSetupCompleteDto })
+  completePasswordSetup(@Body() dto: PasswordSetupCompleteDto) {
+    return this.passengerAuthService.completePasswordSetup(dto);
+  }
+
   @Post("fayda/request-password-setup")
   @IsPublic()
   @HttpCode(HttpStatus.OK)
diff --git a/apps/edr-passenger-api/src/modules/auth/auth.dto.ts b/apps/edr-passenger-api/src/modules/auth/auth.dto.ts
index d7d80df94..76e748f93 100644
--- a/apps/edr-passenger-api/src/modules/auth/auth.dto.ts
+++ b/apps/edr-passenger-api/src/modules/auth/auth.dto.ts
@@ -1,4 +1,11 @@
-import { IsEmail, IsNotEmpty, IsString, ValidateNested } from 'class-validator';
+import {
+  IsEmail,
+  IsNotEmpty,
+  IsString,
+  IsStrongPassword,
+  Length,
+  ValidateNested,
+} from 'class-validator';
 import { Type } from 'class-transformer';
 import { ApiProperty } from '@nestjs/swagger';
 
@@ -75,3 +82,55 @@ export class FaydaVerifyAndLoginDto {
   @IsString()
   otp: string;
 }
+
+/**
+ * Step 1 of the staged sign-in. One field: the passenger types either their phone number
+ * or their email and the server decides which of the three branches follows.
+ */
+export class IdentifierLookupDto {
+  @ApiProperty({
+    example: '+251912345678',
+    description: 'Phone number or email address — the server detects which',
+  })
+  @IsString()
+  @IsNotEmpty()
+  identifier: string;
+}
+
+/** Step 2a: ask for the SMS code that lets an account with no password set one. */
+export class PasswordSetupRequestDto {
+  @ApiProperty({ example: '+251912345678', description: 'Phone number or email address' })
+  @IsString()
+  @IsNotEmpty()
+  identifier: string;
+}
+
+/** Step 2b: redeem the code, set the password, and receive a session in one call. */
+export class PasswordSetupCompleteDto {
+  @ApiProperty({ example: '+251912345678', description: 'Phone number or email address' })
+  @IsString()
+  @IsNotEmpty()
+  identifier: string;
+
+  @ApiProperty({ example: '123456', description: '6-digit code received via SMS' })
+  @IsString()
+  @Length(4, 10)
+  otp: string;
+
+  // The credential is written directly against iam.user_credentials rather than through
+  // the IAM's own set-password route, so the IAM's @IsStrongPassword rule has to be
+  // restated here or weak passwords would slip in unvalidated.
+  @ApiProperty({ example: 'Str0ng!Pass', format: 'password' })
+  @IsStrongPassword({
+    minLength: 8,
+    minLowercase: 1,
+    minUppercase: 1,
+    minNumbers: 1,
+    minSymbols: 1,
+  })
+  newPassword: string;
+
+  @ApiProperty({ example: 'Str0ng!Pass', format: 'password' })
+  @IsString()
+  confirmPassword: string;
+}
diff --git a/apps/edr-passenger-api/src/modules/auth/passenger-auth.service.ts b/apps/edr-passenger-api/src/modules/auth/passenger-auth.service.ts
index 51c57fec8..ea0b201c6 100644
--- a/apps/edr-passenger-api/src/modules/auth/passenger-auth.service.ts
+++ b/apps/edr-passenger-api/src/modules/auth/passenger-auth.service.ts
@@ -1,4 +1,5 @@
 import {
+  BadRequestException,
   Injectable,
   ConflictException,
   InternalServerErrorException,
@@ -13,7 +14,22 @@ import { AuthService as IamAuthService } from '@tria-plc/iamapi-common/module/au
 import { EUserType } from '@tria-plc/api-common/utils/enums/user.enum';
 import { EOtpType } from '@tria-plc/iamapi-common/enums/otp.enum';
 import { PrismaService } from '../../common/prisma.service';
-import { RegisterDto, LoginDto } from './auth.dto';
+import { RegisterDto, LoginDto, PasswordSetupCompleteDto } from './auth.dto';
+import { maskPhone, resolveIdentifier } from '../../common/utils/phone.utils';
+
+/**
+ * The `iam.users` columns every sign-in branch needs. Kept separate from `IamUserRow`
+ * (which is profile-shaped) because the auth branches key off credential state, not metadata.
+ */
+type IamAuthRow = {
+  id: string;
+  email: string | null;
+  name: { en: string; am: string } | null;
+  username: string;
+  phone_number: string | null;
+  has_set_password: boolean;
+  verified_by: string | null;
+};
 
 type IamUserRow = {
   id: string;
@@ -170,9 +186,19 @@ export class PassengerAuthService {
   async login(dto: LoginDto, req: any) {
     const iamAuthService = await this.resolveIamAuthService(req);
 
+    // `dto.email` may hold an email OR a phone number, in any of the shapes a passenger might
+    // type. Resolve it to the exact string the IAM stores before handing it over: the IAM
+    // matches the identifier literally, so someone entering `0912…` for a number stored as
+    // `+2519…` would be told their credentials are invalid despite a correct password.
+    const known = await this.findUserByIdentifier(dto.email);
+    const loginIdentifier = known?.email ?? known?.phone_number ?? dto.email;
+
     let iamResult: { token: string; refreshToken: string } | { mfaRequired: boolean };
     try {
-      iamResult = await iamAuthService.login({ email: dto.email, password: dto.password });
+      iamResult = await iamAuthService.login({
+        email: loginIdentifier,
+        password: dto.password,
+      });
     } catch {
       this.eventEmitter.emit('auth.login.failed', { email: dto.email });
       throw new UnauthorizedException('Invalid credentials');
@@ -184,14 +210,16 @@ export class PassengerAuthService {
 
     const { token, refreshToken } = iamResult as { token: string; refreshToken: string };
 
-    // `dto.email` may hold an email OR a phone number (passengers without an email log in
-    // with their phone). Match on either so the post-auth lookup works regardless of which
-    // identifier was used.
-    const iamRows = await this.dataSource.query<IamUserRow[]>(
-      `SELECT id, email, name, phone_number, metadata FROM iam.users WHERE email = $1 OR phone_number = $1 LIMIT 1`,
-      [dto.email],
-    );
-    const iamUser = iamRows[0];
+    // `known` is the same row the identifier resolved to; only fall back to a fresh lookup if
+    // the resolve missed but the IAM authenticated anyway.
+    let iamUser: { id: string; email: string | null } | null = known;
+    if (!iamUser) {
+      const iamRows = await this.dataSource.query<IamUserRow[]>(
+        `SELECT id, email, name, phone_number, metadata FROM iam.users WHERE email = $1 OR phone_number = $1 LIMIT 1`,
+        [loginIdentifier],
+      );
+      iamUser = iamRows[0] ?? null;
+    }
     if (!iamUser) {
       throw new InternalServerErrorException('IAM user not found after successful authentication');
     }
@@ -496,19 +524,26 @@ export class PassengerAuthService {
   }
 
   async resetUserPassword(id: string, tempPassword: string) {
+    await this.writeActiveCredential(id, tempPassword);
+    return { success: true, message: 'Password reset successfully' };
+  }
+
+  /**
+   * Replaces the user's active credential. The IAM keeps credential history and relies on
+   * exactly one row per user having `is_active = true`, so the old row is deactivated in the
+   * same call rather than deleted.
+   */
+  private async writeActiveCredential(userId: string, password: string): Promise<void> {
     const { hashPassword } = await import('@tria-plc/api-common/utils/argon');
-    const passwordHash = await hashPassword(tempPassword);
-    // Deactivate existing credentials first (IAM keeps history, only one active at a time)
+    const passwordHash = await hashPassword(password);
     await this.dataSource.query(
       `UPDATE iam.user_credentials SET is_active = false WHERE user_id = $1 AND is_active = true`,
-      [id],
+      [userId],
     );
-    // Insert new active credential
     await this.dataSource.query(
       `INSERT INTO iam.user_credentials (user_id, password, is_active) VALUES ($1, $2, true)`,
-      [id, passwordHash],
+      [userId, passwordHash],
     );
-    return { success: true, message: 'Password reset successfully' };
   }
 
   async requestFaydaPasswordSetup(phoneNumber: string, req: any): Promise<{ sent: boolean }> {
@@ -554,15 +589,45 @@ export class PassengerAuthService {
     if (!users.length) throw new UnauthorizedException('Invalid phone number or OTP');
     const u = users[0];
 
+    await this.consumeSetupOtp(u.id, otp, 'Invalid phone number or OTP');
+
+    const { token, refreshToken } = await this.mintSession(
+      { ...u, verified_by: 'fayda' },
+      'fayda-otp-setup',
+    );
+
+    return { token, refreshToken, requiresPassword: !u.has_set_password, iamUserId: u.id };
+  }
+
+  /**
+   * Verifies and burns a one-time code from `iam.user_verifications`.
+   *
+   * Both password-setup entry points land here: `set-password` codes come from
+   * `password-setup/request`, `verify-phone-number` codes from `POST /auth/register`. Accepting
+   * both is what lets a single screen finish the "existing account with no password" branch and
+   * the "brand new signup" branch.
+   *
+   * Codes are argon2-hashed at rest, so this is a verify rather than an equality check. The
+   * attempt counter is incremented *before* the comparison so a crash mid-verify still costs an
+   * attempt, and the code is burned on the 6th try.
+   */
+  private async consumeSetupOtp(
+    userId: string,
+    otp: string,
+    failureMessage = 'Invalid or expired code',
+  ): Promise<void> {
     const verifications = await this.dataSource.query<{
       id: string; verification_code: string; attempt_count: number;
     }[]>(
       `SELECT id, verification_code, attempt_count FROM iam.user_verifications
-        WHERE user_id = $1 AND otp_type = 'set-password' AND "isUsed" = false AND expires_at > NOW()
+        WHERE user_id = $1
+          AND otp_type IN ('set-password', 'verify-phone-number')
+          AND "isUsed" = false
+          AND expires_at > NOW()
         ORDER BY created_at DESC LIMIT 1`,
-      [u.id],
+      [userId],
     );
-    if (!verifications.length) throw new UnauthorizedException('Invalid phone number or OTP');
+    if (!verifications.length) throw new UnauthorizedException(failureMessage);
     const v = verifications[0];
 
     if (v.attempt_count >= 5) {
@@ -578,12 +643,24 @@ export class PassengerAuthService {
 
     const { verifyPassword } = await import('@tria-plc/api-common/utils/argon');
     const valid = await verifyPassword(otp, v.verification_code);
-    if (!valid) throw new UnauthorizedException('Invalid phone number or OTP');
+    if (!valid) throw new UnauthorizedException(failureMessage);
 
     await this.dataSource.query(
       `UPDATE iam.user_verifications SET "isUsed" = true WHERE id = $1`, [v.id],
     );
+  }
 
+  /**
+   * Inserts (or refreshes) an `iam.sessions` row and mints the token pair for it. The JWT payload
+   * is only the session id — `JwtGuard` resolves everything else from the table.
+   *
+   * `device` participates in a unique constraint on `(user_id, device)`, so each flow passes its
+   * own value and none of them clobbers a session another flow established.
+   */
+  private async mintSession(
+    u: IamAuthRow,
+    device: string,
+  ): Promise<{ token: string; refreshToken: string }> {
     const userInfo = {
       id: u.id,
       email: u.email ?? '',
@@ -604,19 +681,183 @@ export class PassengerAuthService {
     const sessions = await this.dataSource.query<{ id: string }[]>(
       `INSERT INTO iam.sessions
           (id, email, device, "userInfo", expiry_time, refresh_count, status, user_id)
-        VALUES (gen_random_uuid(), $1, 'fayda-otp-setup', $2::jsonb, NOW() + INTERVAL '1 day', 0, 'ACTIVE', $3)
+        VALUES (gen_random_uuid(), $1, $2, $3::jsonb, NOW() + INTERVAL '1 day', 0, 'ACTIVE', $4)
         ON CONFLICT (user_id, device) DO UPDATE
           SET status = 'ACTIVE', "userInfo" = EXCLUDED."userInfo",
               expiry_time = NOW() + INTERVAL '1 day', updated_at = NOW()
         RETURNING id`,
-      [u.email ?? '', JSON.stringify(userInfo), u.id],
+      [u.email ?? '', device, JSON.stringify(userInfo), u.id],
     );
 
     const { generateToken, generateRefreshToken } = await import('@tria-plc/api-common/utils/token');
-    const token = generateToken({ id: sessions[0].id });
-    const refreshToken = generateRefreshToken({ id: sessions[0].id });
+    return {
+      token: generateToken({ id: sessions[0].id }),
+      refreshToken: generateRefreshToken({ id: sessions[0].id }),
+    };
+  }
 
-    return { token, refreshToken, requiresPassword: !u.has_set_password, iamUserId: u.id };
+  /**
+   * Resolves the single sign-in identifier field to an `iam.users` row.
+   *
+   * A phone number reaches us in three interchangeable shapes (`+2519…`, `2519…`, `09…`)
+   * depending on whether the account was created by IAM signup, a guest booking or Fayda, so
+   * matching on one canonical form silently misses. `normalizePhoneVariants` produces every
+   * shape and the query matches any of them.
+   *
+   * `ORDER BY has_set_password DESC` makes a fully-registered account win over a leftover
+   * pending row that shares the same phone — otherwise a passenger with an abandoned signup
+   * would be pushed into password setup for an account they already finished.
+   */
+  private async findUserByIdentifier(identifier: string): Promise<IamAuthRow | null> {
+    const resolved = resolveIdentifier(identifier);
+    if (!resolved.email && resolved.phoneVariants.length === 0) return null;
+
+    const rows = await this.dataSource.query<IamAuthRow[]>(
+      `SELECT id, email, name, username, phone_number, has_set_password, verified_by
+         FROM iam.users
+        WHERE ($1::text IS NOT NULL AND lower(email) = $1)
+           OR phone_number = ANY($2::text[])
+        ORDER BY has_set_password DESC
+        LIMIT 1`,
+      [resolved.email, resolved.phoneVariants],
+    );
+    return rows[0] ?? null;
+  }
+
+  /**
+   * Step 1 of the staged sign-in: decide which of the three branches the portal should render.
+   *
+   * This deliberately reports whether an account exists — the whole point of the flow is that the
+   * passenger stops guessing — so it is a user-enumeration oracle by design. `POST
+   * /v1/auth/forgot-password` already leaks the same fact by throwing `user_not_found`; the
+   * mitigation here is the throttle on this controller, not secrecy. Nothing identifying is
+   * returned: no email, no user id, and the phone only ever masked.
+   */
+  async lookupIdentifier(identifier: string): Promise<{
+    status: 'PASSWORD' | 'NEEDS_PASSWORD_SETUP' | 'NOT_FOUND';
+    method?: 'fayda' | 'pending';
+    maskedPhone?: string;
+  }> {
+    const user = await this.findUserByIdentifier(identifier);
+    if (!user) return { status: 'NOT_FOUND' };
+    if (user.has_set_password) return { status: 'PASSWORD' };
+
+    return {
+      status: 'NEEDS_PASSWORD_SETUP',
+      method: user.verified_by === 'fayda' ? 'fayda' : 'pending',
+      maskedPhone: user.phone_number ? maskPhone(user.phone_number) : undefined,
+    };
+  }
+
+  /**
+   * Sends the SMS code that lets an account with no password set one. Covers both Fayda-created
+   * accounts and abandoned registrations — the distinction only changes the copy the portal
+   * shows, not what happens here.
+   *
+   * Always resolves `{ sent: true }`. Returning a real result would make this a cheaper
+   * enumeration oracle than `lookupIdentifier`, which at least sits behind the same throttle.
+   */
+  async requestPasswordSetup(identifier: string, req: any): Promise<{ sent: boolean }> {
+    const user = await this.findUserByIdentifier(identifier);
+    if (!user || user.has_set_password) return { sent: true };
+
+    if (!user.phone_number) {
+      // OTP delivery is SMS + in-app only; there is no email channel. Every account-creation
+      // path requires a phone, so this should be unreachable — log it rather than fail silently.
+      this.logger.warn(
+        `requestPasswordSetup: user ${user.id} has no phone number — no channel to send a code on`,
+      );
+      return { sent: true };
+    }
+
+    const iamAuthService = await this.resolveIamAuthService(req);
+    try {
+      await iamAuthService.generateVerificationCode({
+        // Both fields must match the stored row exactly: the IAM looks the user up with
+        // `where: { phoneNumber, email }`, which is AND, not OR. Passing the values we just
+        // read back guarantees the match — including a null email, which TypeORM renders as
+        // `IS NULL` and which coercing to '' would break.
+        email: user.email as string,
+        phoneNumber: user.phone_number,
+        type: EOtpType.SET_PASSWORD,
+      });
+    } catch (err) {
+      this.logger.error(
+        `[PassengerAuthService] password setup code failed for user ${user.id}`,
+        (err as Error).message,
+      );
+    }
+    return { sent: true };
+  }
+
+  /**
+   * Redeems the code, writes the password, and returns a session — the passenger lands signed in
+   * rather than being bounced back to the login form.
+   *
+   * Returns the same shape as `login()` so the portal can store the result through one code path.
+   */
+  async completePasswordSetup(dto: PasswordSetupCompleteDto): Promise<{
+    token: string;
+    refreshToken: string;
+    user: { id: string; iamUserId: string; email: string | null; passengerId: string };
+  }> {
+    if (dto.newPassword !== dto.confirmPassword) {
+      throw new BadRequestException('Passwords do not match');
+    }
+
+    const user = await this.findUserByIdentifier(dto.identifier);
+    // Same message whether the account is missing or the code is wrong: the branch was already
+    // disclosed by `lookupIdentifier`, but there is no reason to re-confirm it on every attempt.
+    if (!user) throw new UnauthorizedException('Invalid or expired code');
+    if (user.has_set_password) {
+      throw new BadRequestException(
+        'This account already has a password. Sign in with it instead.',
+      );
+    }
+
+    await this.consumeSetupOtp(user.id, dto.otp);
+    await this.writeActiveCredential(user.id, dto.newPassword);
+
+    // Redeeming the code proves ownership of the phone, which is what promotes a Fayda-created
+    // `submitted` row or a pending signup to a usable account.
+    await this.dataSource.query(
+      `UPDATE iam.users
+          SET has_set_password = true,
+              status = 'accepted',
+              is_active = true,
+              is_phone_number_verified = true,
+              updated_at = NOW()
+        WHERE id = $1`,
+      [user.id],
+    );
+
+    const { token, refreshToken } = await this.mintSession(
+      { ...user, has_set_password: true },
+      'password-setup',
+    );
+
+    let passenger = await this.prisma.passenger.findUnique({
+      where: { iamUserId: user.id },
+      select: { id: true },
+    });
+    if (!passenger) {
+      const result = await this.provisionPassengerSatellite({
+        iamUserId: user.id,
+        auditAction: 'USER_AUTO_PROVISIONED',
+      });
+      passenger = { id: result.passengerId };
+    }
+
+    return {
+      token,
+      refreshToken,
+      user: {
+        id: user.id,
+        iamUserId: user.id,
+        email: user.email,
+        passengerId: passenger.id,
+      },
+    };
   }
 
   private standardizePhone(phone: string): string {
diff --git a/apps/edr-passenger-api/src/modules/bookings/bookings.service.ts b/apps/edr-passenger-api/src/modules/bookings/bookings.service.ts
index fc958be70..01367bdb1 100644
--- a/apps/edr-passenger-api/src/modules/bookings/bookings.service.ts
+++ b/apps/edr-passenger-api/src/modules/bookings/bookings.service.ts
@@ -13,6 +13,7 @@ import { CurrencyService } from '../currency/currency.service';
 import { FareEngineService } from '../fare-engine/fare-engine.service';
 import { PaymentsService } from '../payments/payments.service';
 import { MAX_PAYMENT_HOURS } from '../../common/utils/payment-deadline.utils';
+import { normalizePhoneVariants } from '../../common/utils/phone.utils';
 import { Currency, PassengerCategory, IdDocumentType } from '@prisma/client';
 import { JourneyDirection } from '../seats/seats.dto';
 import { resolveCurrencyFromNationality } from '../fare-engine/fare-engine.dto';
@@ -46,39 +47,6 @@ function resolvePackageRoundTripTotal(
   return adultCount * adultFareMinor + paidChildren * adultFareMinor;
 }
 
-/**
- * Returns all plausible normalised variants of a raw phone string so that the
- * DB query matches regardless of how the number was stored (local 09… vs international +251…).
- * Returns an empty array when the input is clearly invalid (< 7 digits).
- */
-function normalizePhoneVariants(raw: string): string[] {
-  // Strip whitespace, dashes, dots, parentheses — keep digits and a leading +
-  const stripped = raw.replace(/[^\d+]/g, '');
-  const digits = stripped.replace(/^\+/, '');
-  if (digits.length < 7) return [];
-
-  const variants = new Set<string>([stripped]);
-
-  if (stripped.startsWith('+251') && digits.length === 12) {
-    // +251 9XXXXXXXX → 251 9XXXXXXXX (no +) → 09XXXXXXXX
-    variants.add(digits);                   // 251XXXXXXXXX
-    variants.add('0' + digits.slice(3));    // 09XXXXXXXXX
-  } else if (stripped.startsWith('251') && digits.length === 12) {
-    // 251 9XXXXXXXX → +251 9XXXXXXXX → 09XXXXXXXX
-    variants.add('+' + stripped);           // +251XXXXXXXXX
-    variants.add('0' + digits.slice(3));    // 09XXXXXXXXX
-  } else if (stripped.startsWith('0') && digits.length === 10) {
-    // 09XXXXXXXX → +251 9XXXXXXXX → 251 9XXXXXXXX (no +)
-    variants.add('+251' + digits.slice(1)); // +251XXXXXXXXX
-    variants.add('251' + digits.slice(1));  // 251XXXXXXXXX
-  } else if (!stripped.startsWith('+') && digits.length >= 9) {
-    // bare international digits without +
-    variants.add('+' + digits);
-  }
-
-  return [...variants];
-}
-
 function calculateAge(dateOfBirth: Date): number {
   const today = new Date();
   let age = today.getFullYear() - dateOfBirth.getFullYear();
diff --git a/apps/edr-passenger-web/portal/src/app/login/page.tsx b/apps/edr-passenger-web/portal/src/app/login/page.tsx
index 97a595244..5f7325072 100644
--- a/apps/edr-passenger-web/portal/src/app/login/page.tsx
+++ b/apps/edr-passenger-web/portal/src/app/login/page.tsx
@@ -1,50 +1,295 @@
 'use client';
 
-import { useForm } from 'react-hook-form';
-import { zodResolver } from '@hookform/resolvers/zod';
-import { z } from 'zod';
 import { useRouter, useSearchParams } from 'next/navigation';
 import { useAuthStore } from '@/lib/auth-store';
-import { useState, Suspense } from 'react';
+import { iamAuthApi } from '@/lib/api/auth';
+import { isStrongPassword, PASSWORD_RULE } from '@/lib/password';
+import { useState, useRef, Suspense } from 'react';
 import Link from 'next/link';
-import { Train, ShieldCheck, Eye, EyeOff } from 'lucide-react';
+import { Train, Eye, EyeOff, Pencil } from 'lucide-react';
 
-const loginSchema = z.object({
-  // Accepts either an email or a phone number. Passengers who registered without an
-  // email sign in with their phone number, which is sent in the same `email` field —
-  // the IAM matches on either identifier.
-  email: z.string().min(1, 'Phone or email is required'),
-  password: z.string().min(6, 'Password must be at least 6 characters'),
-});
+/**
+ * Staged sign-in.
+ *
+ * The passenger gives one identifier — phone or email — and the server decides which of three
+ * things happens next. Previously this page asked for identifier *and* password up front and
+ * offered three competing links underneath ("Create account", "Already verified with Fayda?",
+ * "Forgot password?"), which made the user guess something only the server knows: whether their
+ * number has an account, and whether that account has a password yet. Guessing wrong dead-ended.
+ *
+ * Now exactly one branch is ever on screen.
+ */
+type Step = 'identifier' | 'password' | 'setup' | 'signup';
 
-type LoginForm = z.infer<typeof loginSchema>;
+const EMAIL_RE = /^[^\s@]+@[^\s@]+\.[^\s@]+$/;
+
+/**
+ * Loose enough to accept every shape a passenger might type (`+2519…`, `2519…`, `09…`) and the
+ * occasional foreign number, strict enough that free text never reaches the signup branch — an
+ * identifier that is neither an email nor a number would otherwise be stored as a phone the SMS
+ * code can never reach. Mirrors the 7-digit floor in the API's `normalizePhoneVariants`.
+ */
+const looksLikePhone = (v: string) => v.replace(/[^\d]/g, '').length >= 7;
 
 function LoginContent() {
   const router = useRouter();
   const searchParams = useSearchParams();
   const login = useAuthStore((s) => s.login);
+  const registerUser = useAuthStore((s) => s.register);
+  const setUser = useAuthStore((s) => s.setUser);
+
+  const [step, setStep] = useState<Step>('identifier');
   const [error, setError] = useState('');
   const [loading, setLoading] = useState(false);
   const [showPassword, setShowPassword] = useState(false);
 
-  const { register, handleSubmit, formState: { errors } } = useForm<LoginForm>({
-    resolver: zodResolver(loginSchema as any),
-  });
+  // Step 1
+  const [identifier, setIdentifier] = useState('');
+  const identifierRef = useRef<HTMLInputElement>(null);
 
-  const onSubmit = async (data: LoginForm) => {
+  // Step 2 — sign in
+  const [password, setPassword] = useState('');
+
+  // Step 3 — set a password (existing account with none, or a fresh signup)
+  const [maskedPhone, setMaskedPhone] = useState('');
+  const [setupMethod, setSetupMethod] = useState<'fayda' | 'pending' | 'new'>('pending');
+  const [otp, setOtp] = useState('');
+  const [newPassword, setNewPassword] = useState('');
+  const [confirmPassword, setConfirmPassword] = useState('');
+  const [resendNote, setResendNote] = useState('');
+
+  // Step 4 — signup
+  const [fullName, setFullName] = useState('');
+  const [secondaryContact, setSecondaryContact] = useState('');
+
+  const identifierIsEmail = EMAIL_RE.test(identifier.trim());
+
+  const finish = () => {
+    const redirect = searchParams.get('redirect') || '/booking/search';
+    router.push(redirect);
+  };
+
+  const goBackToIdentifier = () => {
+    setStep('identifier');
+    setError('');
+    setPassword('');
+    setOtp('');
+    setNewPassword('');
+    setConfirmPassword('');
+    setResendNote('');
+    // Keep what they typed — they are usually fixing a typo, not starting over — but select
+    // it, so typing replaces the value instead of appending to it. Without this, clicking
+    // into a controlled input that still holds the old identifier silently concatenates.
+    setTimeout(() => identifierRef.current?.select(), 0);
+  };
+
+  const apiMessage = (err: any, fallback: string) =>
+    err?.response?.data?.message || fallback;
+
+  // --- Step 1: who are you? ---------------------------------------------------
+  const submitIdentifier = async (e: React.FormEvent) => {
+    e.preventDefault();
+    const value = identifier.trim();
+    if (!value) {
+      setError('Enter your phone number or email');
+      return;
+    }
+    if (!EMAIL_RE.test(value) && !looksLikePhone(value)) {
+      setError('Enter a valid phone number or email address');
+      return;
+    }
     setLoading(true);
     setError('');
     try {
-      await login(data.email, data.password);
-      const redirect = searchParams.get('redirect') || '/booking/search';
-      router.push(redirect);
+      const res = await iamAuthApi.lookupIdentifier(identifier.trim());
+      const result = res.data.data;
+
+      if (result.status === 'PASSWORD') {
+        setStep('password');
+        return;
+      }
+      if (result.status === 'NEEDS_PASSWORD_SETUP') {
+        setMaskedPhone(result.maskedPhone || '');
+        setSetupMethod(result.method || 'pending');
+        // Fire the code now so the next screen is already actionable. It resolves even for
+        // an unknown identifier, so a failure here is a transport problem, not a verdict.
+        await iamAuthApi.requestPasswordSetup(identifier.trim());
+        setStep('setup');
+        return;
+      }
+      setStep('signup');
     } catch (err: any) {
-      setError(err.response?.data?.message || 'Login failed. Please check your credentials.');
+      setError(apiMessage(err, 'Something went wrong. Please try again.'));
     } finally {
       setLoading(false);
     }
   };
 
+  // --- Step 2: existing account, has a password -------------------------------
+  const submitPassword = async (e: React.FormEvent) => {
+    e.preventDefault();
+    if (!password) {
+      setError('Enter your password');
+      return;
+    }
+    setLoading(true);
+    setError('');
+    try {
+      await login(identifier.trim(), password);
+      finish();
+    } catch (err: any) {
+      setError(apiMessage(err, 'Incorrect password. Please try again.'));
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  // --- Step 3: set a password with the SMS code -------------------------------
+  const submitSetup = async (e: React.FormEvent) => {
+    e.preventDefault();
+    if (!otp.trim()) {
+      setError('Enter the code we sent you');
+      return;
+    }
+    if (!isStrongPassword(newPassword)) {
+      setError(PASSWORD_RULE);
+      return;
+    }
+    if (newPassword !== confirmPassword) {
+      setError('Passwords do not match');
+      return;
+    }
+    setLoading(true);
+    setError('');
+    try {
+      const res = await iamAuthApi.completePasswordSetup({
+        identifier: identifier.trim(),
+        otp: otp.trim(),
+        newPassword,
+        confirmPassword,
+      });
+      const { token, user } = res.data.data;
+      // The response carries a real session, so the user lands signed in instead of being
+      // sent back to the form. `setUser` is the same action `login()` persists through.
+      setUser(user as any, token);
+      finish();
+    } catch (err: any) {
+      setError(apiMessage(err, 'That code is not valid. Please try again.'));
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  const resend = async () => {
+    setLoading(true);
+    setError('');
+    setResendNote('');
+    try {
+      await iamAuthApi.requestPasswordSetup(identifier.trim());
+      setResendNote('We sent a new code.');
+    } catch (err: any) {
+      setError(apiMessage(err, 'Could not send a new code. Please try again.'));
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  // --- Step 4: no account yet --------------------------------------------------
+  const submitSignup = async (e: React.FormEvent) => {
+    e.preventDefault();
+    const name = fullName.trim();
+    const other = secondaryContact.trim();
+    if (name.length < 2) {
+      setError('Enter your full name');
+      return;
+    }
+    // A phone is always required — the verification code is sent by SMS and there is no
+    // email channel for it. An email is optional.
+    if (identifierIsEmail) {
+      if (!other) {
+        setError('Enter your phone number');
+        return;
+      }
+      if (!looksLikePhone(other)) {
+        setError('Enter a valid phone number — your verification code is sent by SMS');
+        return;
+      }
+    } else if (other && !EMAIL_RE.test(other)) {
+      // Only validate the shape when they actually typed something.
+      setError('Enter a valid email address');
+      return;
+    }
+
+    const phone = identifierIsEmail ? other : identifier.trim();
+    // The IAM requires a non-empty account identifier in its `email` field but never checks
+    // that it is email-shaped, so a passenger with no email address signs up under their phone
+    // number — the same fallback `/register` uses. Both then match on either identifier.
+    const email = identifierIsEmail ? identifier.trim() : other || phone;
+
+    setLoading(true);
+    setError('');
+    try {
+      await registerUser({ fullName: name, email, phone });
+      setMaskedPhone(phone);
+      setSetupMethod('new');
+      setStep('setup');
+    } catch (err: any) {
+      if (err?.response?.status === 409) {
+        setError('An account with this email or phone number already exists. Go back and sign in.');
+      } else {
+        setError(apiMessage(err, 'Could not create your account. Please try again.'));
+      }
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  /**
+   * The identifier, shown on every step after the first, with one way back to change it.
+   *
+   * It is a real `autocomplete="username"` input rather than a `<span>`, and it is rendered
+   * *inside* each form. That is what makes password managers behave: a password field sitting
+   * alone in a form gives Chrome nothing to match a saved credential against, so it fills
+   * whichever password it holds for the origin — a password belonging to some other account.
+   * Pairing it with the username lets the manager fill the right credential, or none at all.
+   */
+  const identifierChip = (
+    <div className="flex items-center justify-between gap-3 mb-4 px-3 py-2 rounded bg-gray-50 dark:bg-gray-800 border border-gray-200 dark:border-gray-700">
+      <input
+        type="text"
+        value={identifier}
+        readOnly
+        tabIndex={-1}
+        autoComplete="username"
+        aria-label="Signing in as"
+        onFocus={(e) => e.currentTarget.blur()}
+        className="flex-1 min-w-0 truncate bg-transparent border-0 p-0 text-sm text-gray-700 dark:text-gray-300 focus:outline-none focus:ring-0 cursor-default"
+      />
+      <button
+        type="button"
+        onClick={goBackToIdentifier}
+        className="flex items-center gap-1 text-sm text-[rgb(20_113_76)] dark:text-emerald-400 hover:underline shrink-0"
+      >
+        <Pencil className="w-3.5 h-3.5" />
+        Change
+      </button>
+    </div>
+  );
+
+  const heading = {
+    identifier: { title: 'Sign in', subtitle: 'Enter your phone number or email to continue' },
+    password: { title: 'Welcome back', subtitle: 'Enter your password to sign in' },
+    setup: { title: 'Set your password', subtitle: 'Enter the code we sent, then choose a password' },
+    signup: { title: 'Create your account', subtitle: 'We just need a couple of details' },
+  }[step];
+
+  const setupBlurb =
+    setupMethod === 'fayda'
+      ? 'Your Fayda-verified account does not have a password yet.'
+      : setupMethod === 'new'
+        ? 'Your account is almost ready.'
+        : 'You started signing up but never chose a password.';
+
   return (
     <div className="min-h-screen bg-gradient-to-br from-[rgb(20_113_76)] from-10% via-transparent to-[rgb(20_113_76)] to-90% dark:from-gray-900 dark:to-gray-800 flex items-center justify-center py-12 px-4">
       <div className="max-w-md w-full">
@@ -54,86 +299,227 @@ function LoginContent() {
               <Train className="w-6 h-6 text-white" />
             </div>
           </div>
-          <h1 className="text-3xl font-bold text-gray-900 dark:text-gray-100">Sign in</h1>
-          <p className="text-gray-600 dark:text-gray-400 mt-2">Welcome back</p>
+          <h1 className="text-3xl font-bold text-gray-900 dark:text-gray-100">{heading.title}</h1>
+          <p className="text-gray-600 dark:text-gray-400 mt-2">{heading.subtitle}</p>
         </div>
 
         <div className="card">
-          <form onSubmit={handleSubmit(onSubmit)} className="space-y-4">
-            {error && (
-              <div className="bg-red-50 dark:bg-red-900/30 border border-red-200 dark:border-red-800 text-red-700 dark:text-red-300 px-4 py-3 rounded">
-                {error}
-              </div>
-            )}
-
-            <div>
-              <label className="block text-sm font-medium mb-1 text-gray-700 dark:text-gray-300">Phone or email</label>
-              <input
-                type="text"
-                {...register('email')}
-                className="input-field"
-                placeholder="+251912345678 or your@email.com"
-                autoComplete="username"
-              />
-              {errors.email && (
-                <p className="text-red-500 text-sm mt-1">{errors.email.message}</p>
-              )}
+          {error && (
+            <div className="bg-red-50 dark:bg-red-900/30 border border-red-200 dark:border-red-800 text-red-700 dark:text-red-300 px-4 py-3 rounded mb-4">
+              {error}
             </div>
+          )}
 
-            <div>
-              <label className="block text-sm font-medium mb-1 text-gray-700 dark:text-gray-300">Password</label>
-              <div className="relative">
+          {step === 'identifier' && (
+            <form onSubmit={submitIdentifier} className="space-y-4">
+              <div>
+                <label className="block text-sm font-medium mb-1 text-gray-700 dark:text-gray-300">
+                  Phone number or email
+                </label>
+                <input
+                  ref={identifierRef}
+                  type="text"
+                  value={identifier}
+                  onChange={(e) => { setIdentifier(e.target.value); setError(''); }}
+                  className="input-field"
+                  placeholder="+251912345678 or your@email.com"
+                  autoComplete="username"
+                  autoCapitalize="none"
+                  autoCorrect="off"
+                  spellCheck={false}
+                  autoFocus
+                />
+              </div>
+              <button type="submit" className="btn-primary w-full" disabled={loading}>
+                {loading ? 'Checking...' : 'Continue'}
+              </button>
+            </form>
+          )}
+
+          {step === 'password' && (
+            <form onSubmit={submitPassword} className="space-y-4">
+              {identifierChip}
+              <div>
+                <label className="block text-sm font-medium mb-1 text-gray-700 dark:text-gray-300">
+                  Password
+                </label>
+                <div className="relative">
+                  <input
+                    type={showPassword ? 'text' : 'password'}
+                    value={password}
+                    onChange={(e) => { setPassword(e.target.value); setError(''); }}
+                    className="input-field pr-10"
+                    placeholder="••••••••"
+                    autoComplete="current-password"
+                    autoFocus
+                  />
+                  <button
+                    type="button"
+                    onClick={() => setShowPassword((v) => !v)}
+                    className="absolute inset-y-0 right-0 flex items-center pr-3 text-gray-400 hover:text-gray-600 dark:hover:text-gray-200"
+                    aria-label={showPassword ? 'Hide password' : 'Show password'}
+                    tabIndex={-1}
+                  >
+                    {showPassword ? <EyeOff className="w-5 h-5" /> : <Eye className="w-5 h-5" />}
+                  </button>
+                </div>
+                <div className="flex justify-end mt-1">
+                  <Link
+                    href="/forgot-password"
+                    className="text-sm text-[rgb(20_113_76)] dark:text-emerald-400 hover:underline"
+                  >
+                    Forgot password?
+                  </Link>
+                </div>
+              </div>
+              <button type="submit" className="btn-primary w-full" disabled={loading}>
+                {loading ? 'Signing in...' : 'Sign in'}
+              </button>
+            </form>
+          )}
+
+          {step === 'setup' && (
+            <form onSubmit={submitSetup} className="space-y-4">
+              {identifierChip}
+              <p className="text-sm text-gray-600 dark:text-gray-400">
+                {setupBlurb}{' '}
+                {maskedPhone
+                  ? <>We sent a code to <span className="font-medium">{maskedPhone}</span>.</>
+                  : 'We sent a code to your registered phone.'}
+              </p>
+
+              <div>
+                <label className="block text-sm font-medium mb-1 text-gray-700 dark:text-gray-300">
+                  Verification code
+                </label>
+                <input
+                  type="text"
+                  value={otp}
+                  onChange={(e) => { setOtp(e.target.value); setError(''); }}
+                  className="input-field tracking-widest"
+                  placeholder="A1b2C3"
+                  // The IAM issues codes with generateRandomString(6): letters and digits,
+                  // and case-sensitive — so no numeric keypad and no autocapitalise.
+                  inputMode="text"
+                  autoComplete="one-time-code"
+                  autoCapitalize="none"
+                  autoCorrect="off"
+                  spellCheck={false}
+                  maxLength={6}
+                  autoFocus
+                />
+              </div>
+
+              <div>
+                <label className="block text-sm font-medium mb-1 text-gray-700 dark:text-gray-300">
+                  New password
+                </label>
+                <div className="relative">
+                  <input
+                    type={showPassword ? 'text' : 'password'}
+                    value={newPassword}
+                    onChange={(e) => { setNewPassword(e.target.value); setError(''); }}
+                    className="input-field pr-10"
+                    placeholder="••••••••"
+                    autoComplete="new-password"
+                  />
+                  <button
+                    type="button"
+                    onClick={() => setShowPassword((v) => !v)}
+                    className="absolute inset-y-0 right-0 flex items-center pr-3 text-gray-400 hover:text-gray-600 dark:hover:text-gray-200"
+                    aria-label={showPassword ? 'Hide password' : 'Show password'}
+                    tabIndex={-1}
+                  >
+                    {showPassword ? <EyeOff className="w-5 h-5" /> : <Eye className="w-5 h-5" />}
+                  </button>
+                </div>
+                <p className="text-xs text-gray-500 dark:text-gray-400 mt-1">{PASSWORD_RULE}</p>
+              </div>
+
+              <div>
+                <label className="block text-sm font-medium mb-1 text-gray-700 dark:text-gray-300">
+                  Confirm password
+                </label>
                 <input
                   type={showPassword ? 'text' : 'password'}
-                  {...register('password')}
-                  className="input-field pr-10"
+                  value={confirmPassword}
+                  onChange={(e) => { setConfirmPassword(e.target.value); setError(''); }}
+                  className="input-field"
                   placeholder="••••••••"
+                  autoComplete="new-password"
                 />
-                <button
-                  type="button"
-                  onClick={() => setShowPassword((v) => !v)}
-                  className="absolute inset-y-0 right-0 flex items-center pr-3 text-gray-400 hover:text-gray-600 dark:hover:text-gray-200"
-                  aria-label={showPassword ? 'Hide password' : 'Show password'}
-                  tabIndex={-1}
-                >
-                  {showPassword ? <EyeOff className="w-5 h-5" /> : <Eye className="w-5 h-5" />}
-                </button>
               </div>
-              {errors.password && (
-                <p className="text-red-500 text-sm mt-1">{errors.password.message}</p>
-              )}
-              <div className="flex justify-end mt-1">
-                <Link
-                  href="/forgot-password"
-                  className="text-sm text-[rgb(20_113_76)] dark:text-emerald-400 hover:underline"
-                >
-                  Forgot password?
-                </Link>
+
+              <button type="submit" className="btn-primary w-full" disabled={loading}>
+                {loading ? 'Setting password...' : 'Set password and sign in'}
+              </button>
+
+              <div className="text-center">
+                {resendNote ? (
+                  <span className="text-sm text-gray-600 dark:text-gray-400">{resendNote}</span>
+                ) : (
+                  <button
+                    type="button"
+                    onClick={resend}
+                    disabled={loading}
+                    className="text-sm text-[rgb(20_113_76)] dark:text-emerald-400 hover:underline disabled:opacity-50"
+                  >
+                    Didn&apos;t get a code? Send it again
+                  </button>
+                )}
               </div>
-            </div>
+            </form>
+          )}
 
-            <button type="submit" className="btn-primary w-full" disabled={loading}>
-              {loading ? 'Signing in...' : 'Sign in'}
-            </button>
-          </form>
+          {step === 'signup' && (
+            <form onSubmit={submitSignup} className="space-y-4">
+              {identifierChip}
+              <p className="text-sm text-gray-600 dark:text-gray-400">
+                We couldn&apos;t find an account for that {identifierIsEmail ? 'email' : 'number'}, so
+                let&apos;s create one.
+              </p>
 
-          <div className="mt-6 pt-4 border-t border-gray-200 dark:border-gray-700 space-y-3">
-            <div className="text-center">
-              <span className="text-sm text-gray-600 dark:text-gray-400">Don&apos;t have an account? </span>
-              <Link href="/register" className="text-sm font-medium text-[rgb(20_113_76)] dark:text-emerald-400 hover:underline">
-                Create account
-              </Link>
-            </div>
-            <Link
-              href="/fayda-setup"
-              className="flex items-center justify-center gap-2 text-sm text-gray-600 dark:text-gray-400 hover:text-[rgb(20_113_76)] dark:hover:text-emerald-400 transition-colors"
-            >
-              <ShieldCheck className="w-4 h-4" />
-              Already verified with Fayda? Set up your password
-            </Link>
-          </div>
+              <div>
+                <label className="block text-sm font-medium mb-1 text-gray-700 dark:text-gray-300">
+                  Full name
+                </label>
+                <input
+                  type="text"
+                  value={fullName}
+                  onChange={(e) => { setFullName(e.target.value); setError(''); }}
+                  className="input-field"
+                  placeholder="e.g. Abebe Kebede"
+                  autoComplete="name"
+                  autoFocus
+                />
+              </div>
 
-          <div className="mt-4 text-center">
+              <div>
+                <label className="block text-sm font-medium mb-1 text-gray-700 dark:text-gray-300">
+                  {identifierIsEmail ? 'Phone number' : 'Email address (optional)'}
+                </label>
+                <input
+                  type={identifierIsEmail ? 'tel' : 'email'}
+                  value={secondaryContact}
+                  onChange={(e) => { setSecondaryContact(e.target.value); setError(''); }}
+                  className="input-field"
+                  placeholder={identifierIsEmail ? '+251912345678' : 'your@email.com'}
+                  autoComplete={identifierIsEmail ? 'tel' : 'email'}
+                />
+                <p className="text-xs text-gray-500 dark:text-gray-400 mt-1">
+                  {identifierIsEmail
+                    ? "We'll text your verification code to this number."
+                    : "For receipts and booking confirmations. Your verification code is sent by SMS either way."}
+                </p>
+              </div>
+
+              <button type="submit" className="btn-primary w-full" disabled={loading}>
+                {loading ? 'Creating account...' : 'Create account'}
+              </button>
+            </form>
+          )}
+
+          <div className="mt-6 pt-4 border-t border-gray-200 dark:border-gray-700 text-center">
             <button
               onClick={() => router.push('/booking/search')}
               className="text-sm text-gray-600 dark:text-gray-400 hover:text-primary dark:hover:text-primary-400"
diff --git a/apps/edr-passenger-web/portal/src/app/reset-password/page.tsx b/apps/edr-passenger-web/portal/src/app/reset-password/page.tsx
index da61c9da5..6e2f3fbf0 100644
--- a/apps/edr-passenger-web/portal/src/app/reset-password/page.tsx
+++ b/apps/edr-passenger-web/portal/src/app/reset-password/page.tsx
@@ -5,6 +5,7 @@ import { useRouter, useSearchParams } from 'next/navigation';
 import Link from 'next/link';
 import { Train, CheckCircle, ArrowLeft, ArrowRight } from 'lucide-react';
 import { iamAuthApi } from '@/lib/api/auth';
+import { isStrongPassword, PASSWORD_RULE } from '@/lib/password';
 
 function ResetPasswordContent() {
   const router = useRouter();
@@ -24,8 +25,8 @@ function ResetPasswordContent() {
   const handleSubmit = async (e: React.FormEvent) => {
     e.preventDefault();
     setError('');
-    if (newPassword.length < 6) {
-      setError('Password must be at least 6 characters.');
+    if (!isStrongPassword(newPassword)) {
+      setError(PASSWORD_RULE);
       return;
     }
     if (newPassword !== confirmPassword) {
diff --git a/apps/edr-passenger-web/portal/src/app/verify-account/page.tsx b/apps/edr-passenger-web/portal/src/app/verify-account/page.tsx
index b2fd491b3..9925bed1f 100644
--- a/apps/edr-passenger-web/portal/src/app/verify-account/page.tsx
+++ b/apps/edr-passenger-web/portal/src/app/verify-account/page.tsx
@@ -6,18 +6,8 @@ import Link from 'next/link';
 import { Train, ArrowLeft, ShieldCheck } from 'lucide-react';
 import { iamAuthApi } from '@/lib/api/auth';
 import { useAuthStore } from '@/lib/auth-store';
+import { isStrongPassword } from '@/lib/password';
 
-// Mirrors the IAM set-password requirement (class-validator @IsStrongPassword defaults):
-// min length 8, with lower- and upper-case letters, a number, and a symbol.
-function isStrongPassword(pw: string): boolean {
-  return (
-    pw.length >= 8 &&
-    /[a-z]/.test(pw) &&
-    /[A-Z]/.test(pw) &&
-    /[0-9]/.test(pw) &&
-    /[^A-Za-z0-9]/.test(pw)
-  );
-}
 
 function VerifyAccountContent() {
   const searchParams = useSearchParams();
diff --git a/apps/edr-passenger-web/portal/src/components/AppSidebar.tsx b/apps/edr-passenger-web/portal/src/components/AppSidebar.tsx
index 0acb5d9ea..a621c5d83 100644
--- a/apps/edr-passenger-web/portal/src/components/AppSidebar.tsx
+++ b/apps/edr-passenger-web/portal/src/components/AppSidebar.tsx
@@ -192,18 +192,12 @@ export default function AppSidebar() {
             )}
           </div>
         ) : (
-          <div className="flex items-center gap-2 px-1 pt-1">
+          <div className="px-1 pt-1">
             <Link
               href="/login"
-              className="flex-1 text-center px-3 py-2 text-sm font-medium text-gray-100 hover:bg-white/10 rounded-lg transition-colors"
+              className="block text-center px-3 py-2 text-sm font-medium bg-white text-[rgb(20_113_76)] hover:bg-gray-100 rounded-lg transition-colors"
             >
-              Sign in
-            </Link>
-            <Link
-              href="/register"
-              className="flex-1 text-center px-3 py-2 text-sm font-medium bg-white text-[rgb(20_113_76)] hover:bg-gray-100 rounded-lg transition-colors"
-            >
-              Register
+              Sign in or register
             </Link>
           </div>
         )}
diff --git a/apps/edr-passenger-web/portal/src/components/ChangePasswordModal.tsx b/apps/edr-passenger-web/portal/src/components/ChangePasswordModal.tsx
index a20301e85..4edf30b64 100644
--- a/apps/edr-passenger-web/portal/src/components/ChangePasswordModal.tsx
+++ b/apps/edr-passenger-web/portal/src/components/ChangePasswordModal.tsx
@@ -4,6 +4,7 @@ import { useState } from 'react';
 import { createPortal } from 'react-dom';
 import { X, CheckCircle } from 'lucide-react';
 import { iamAuthApi } from '@/lib/api/auth';
+import { isStrongPassword, PASSWORD_RULE } from '@/lib/password';
 
 interface ChangePasswordModalProps {
   isOpen: boolean;
@@ -32,8 +33,8 @@ export default function ChangePasswordModal({ isOpen, onClose }: ChangePasswordM
   const handleSubmit = async (e: React.FormEvent) => {
     e.preventDefault();
     setError('');
-    if (newPassword.length < 6) {
-      setError('New password must be at least 6 characters.');
+    if (!isStrongPassword(newPassword)) {
+      setError(PASSWORD_RULE);
       return;
     }
     if (newPassword !== confirmPassword) {
diff --git a/apps/edr-passenger-web/portal/src/components/FaydaSetupWizard.tsx b/apps/edr-passenger-web/portal/src/components/FaydaSetupWizard.tsx
index 92f3843fc..535739c1d 100644
--- a/apps/edr-passenger-web/portal/src/components/FaydaSetupWizard.tsx
+++ b/apps/edr-passenger-web/portal/src/components/FaydaSetupWizard.tsx
@@ -5,6 +5,7 @@ import { useRouter } from 'next/navigation';
 import Link from 'next/link';
 import { Train, ShieldCheck, CheckCircle, Info, ArrowLeft, ArrowRight } from 'lucide-react';
 import { iamAuthApi } from '@/lib/api/auth';
+import { isStrongPassword, PASSWORD_RULE } from '@/lib/password';
 
 interface FaydaSetupWizardProps {
   // Prefilled OTP when landing from the SMS link (/set-password?verificationCode=...)
@@ -41,8 +42,8 @@ export default function FaydaSetupWizard({ initialOtp }: FaydaSetupWizardProps)
   const handleSetPassword = async (e: React.FormEvent) => {
     e.preventDefault();
     setError('');
-    if (newPassword.length < 6) {
-      setError('Password must be at least 6 characters.');
+    if (!isStrongPassword(newPassword)) {
+      setError(PASSWORD_RULE);
       return;
     }
     if (newPassword !== confirmPassword) {
diff --git a/apps/edr-passenger-web/portal/src/lib/api/auth.ts b/apps/edr-passenger-web/portal/src/lib/api/auth.ts
index b37361238..b7703d1b6 100644
--- a/apps/edr-passenger-web/portal/src/lib/api/auth.ts
+++ b/apps/edr-passenger-web/portal/src/lib/api/auth.ts
@@ -36,6 +36,42 @@ export const iamAuthApi = {
       headers: { Authorization: `Bearer ${localStorage.getItem('auth_token')}` },
     }),
 
+  // --- Staged sign-in (/login) -------------------------------------------------
+  // Step 1: hand the server one field and let it say which branch follows. `identifier`
+  // is a phone number or an email; the server works out which.
+  lookupIdentifier: (identifier: string) =>
+    axios.post<{
+      success: boolean;
+      data: {
+        status: 'PASSWORD' | 'NEEDS_PASSWORD_SETUP' | 'NOT_FOUND';
+        method?: 'fayda' | 'pending';
+        maskedPhone?: string;
+      };
+    }>(`${API_URL}/auth/identifier/lookup`, { identifier }),
+
+  // Step 2a: SMS the code for an account that exists but has no password yet.
+  // Always resolves — the server reports { sent: true } even for an unknown identifier.
+  requestPasswordSetup: (identifier: string) =>
+    axios.post(`${API_URL}/auth/password-setup/request`, { identifier }),
+
+  // Step 2b: redeem the code and set the password. Unlike the older Fayda dance this
+  // returns a usable session directly, so the user lands signed in rather than back on
+  // the login form. Same response shape as POST /auth/login.
+  completePasswordSetup: (data: {
+    identifier: string;
+    otp: string;
+    newPassword: string;
+    confirmPassword: string;
+  }) =>
+    axios.post<{
+      success: boolean;
+      data: {
+        token: string;
+        refreshToken: string;
+        user: { id: string; iamUserId: string; email: string | null; passengerId: string };
+      };
+    }>(`${API_URL}/auth/password-setup/complete`, data),
+
   faydaRequestPasswordSetup: (phoneNumber: string) =>
     axios.post(`${API_URL}/auth/fayda/request-password-setup`, { phoneNumber }),
 
diff --git a/apps/edr-passenger-web/portal/src/lib/auth-store.ts b/apps/edr-passenger-web/portal/src/lib/auth-store.ts
index 0d6e46fd9..443fa46a8 100644
--- a/apps/edr-passenger-web/portal/src/lib/auth-store.ts
+++ b/apps/edr-passenger-web/portal/src/lib/auth-store.ts
@@ -113,13 +113,10 @@ export const useAuthStore = create<AuthState>((set, get) => ({
       login: async (email: string, password: string) => {
         const response: any = await apiClient.post('/auth/login', { email, password });
         const { token, user } = response.data || response;
-        
-        if (typeof window !== 'undefined') {
-          localStorage.setItem('auth_token', token);
-          localStorage.setItem('auth_user', JSON.stringify(user));
-        }
-        
-        set({ user, token, isAuthenticated: true });
+        // `setUser` is the one place a session is persisted. The staged sign-in's
+        // password-setup branch establishes a session without going through /auth/login,
+        // so it calls the same action rather than duplicating the storage writes.
+        get().setUser(user, token);
       },
 
       register: async (data: RegisterData): Promise<RegisterResult> => {
diff --git a/apps/edr-passenger-web/portal/src/lib/password.ts b/apps/edr-passenger-web/portal/src/lib/password.ts
new file mode 100644
index 000000000..42b967d00
--- /dev/null
+++ b/apps/edr-passenger-web/portal/src/lib/password.ts
@@ -0,0 +1,21 @@
+/**
+ * The one password rule the portal enforces.
+ *
+ * It mirrors class-validator's `@IsStrongPassword` defaults, which is what the IAM applies on
+ * `PATCH /v1/auth/set-password` and what `POST /auth/password-setup/complete` applies on the
+ * passenger API. Screens that used a looser check (`length < 6`) accepted passwords the server
+ * then rejected with an opaque 400, so every screen shares this instead.
+ */
+export function isStrongPassword(pw: string): boolean {
+  return (
+    pw.length >= 8 &&
+    /[a-z]/.test(pw) &&
+    /[A-Z]/.test(pw) &&
+    /[0-9]/.test(pw) &&
+    /[^A-Za-z0-9]/.test(pw)
+  );
+}
+
+/** The rule stated for humans. Shown as helper text and reused as the validation message. */
+export const PASSWORD_RULE =
+  'Password must be at least 8 characters and include an upper-case letter, a lower-case letter, a number and a symbol.';
diff --git a/e2e/freight/cypress/e2e/flows/onboarding-utils.ts b/e2e/freight/cypress/e2e/flows/onboarding-utils.ts
index 93d193ac7..e85bc5a12 100644
--- a/e2e/freight/cypress/e2e/flows/onboarding-utils.ts
+++ b/e2e/freight/cypress/e2e/flows/onboarding-utils.ts
@@ -383,3 +383,19 @@ export function expectProfileActive(companyName: string, type = "importer") {
       expect(rows[0].company_status).to.eq("active");
     });
 }
+
+/**
+ * Attach one of the TIN's eTrade businesses to a role, on the documents step.
+ *
+ * Which one does not matter to these flows — only that a company with an eTrade
+ * record cannot submit onboarding until every role names one. A co-operative or
+ * investor-licence company has no list, so its flows never call this.
+ */
+export function chooseRoleBusiness(role = "Importer") {
+  cy.contains("label", `Which business is your ${role} profile?`)
+    .parents(".mantine-InputWrapper-root")
+    .first()
+    .find("input")
+    .click();
+  cy.get("[role='option']").first().click();
+}
diff --git a/e2e/freight/cypress/e2e/flows/onboarding_ethiopian.cy.ts b/e2e/freight/cypress/e2e/flows/onboarding_ethiopian.cy.ts
index e6f08cc95..99d0e8a83 100644
--- a/e2e/freight/cypress/e2e/flows/onboarding_ethiopian.cy.ts
+++ b/e2e/freight/cypress/e2e/flows/onboarding_ethiopian.cy.ts
@@ -33,6 +33,7 @@ import {
   vatNumber,
   wizardClick,
   SIGNUP_PASSWORD,
+  chooseRoleBusiness,
 } from "./onboarding-utils";
 
 const stamp = Date.now();
@@ -128,6 +129,7 @@ describe("onboarding — Ethiopian company, eTrade verified", { retries: 0 }, ()
     cy.contains("Upload Importer Business license file(s)", {
       timeout: 20000,
     }).should("be.visible");
+    chooseRoleBusiness();
     attachNextFile();
     attachNextFile();
     wizardClick("Submit for review");
diff --git a/e2e/freight/cypress/e2e/flows/onboarding_switch_back.cy.ts b/e2e/freight/cypress/e2e/flows/onboarding_switch_back.cy.ts
index e6c903e89..56db7fa9c 100644
--- a/e2e/freight/cypress/e2e/flows/onboarding_switch_back.cy.ts
+++ b/e2e/freight/cypress/e2e/flows/onboarding_switch_back.cy.ts
@@ -26,6 +26,7 @@ import {
   signupIdentity,
   wizardClick,
   SIGNUP_PASSWORD,
+  chooseRoleBusiness,
 } from "./onboarding-utils";
 
 const stamp = Date.now();
@@ -133,6 +134,7 @@ describe("onboarding — switching back to eTrade registration", { retries: 0 },
     cy.contains("Upload Importer Business license file(s)", {
       timeout: 20000,
     }).should("be.visible");
+    chooseRoleBusiness();
     wizardClick("Submit for review");
     cy.contains("You're all set", { timeout: 30000 }).should("be.visible");
 
diff --git a/packages/types/src/freight/etrade.ts b/packages/types/src/freight/etrade.ts
index c23492413..2af992b04 100644
--- a/packages/types/src/freight/etrade.ts
+++ b/packages/types/src/freight/etrade.ts
@@ -76,9 +76,14 @@ export interface ETradeBusinessOption {
 
 export interface CompanyRegistrationData {
   /**
-   * The registered organization name — `ETradeCompanyInfo.BusinessName`, falling
-   * back to the licence's `TradeName`. Never the manager/owner's personal name;
-   * that is {@link managerName}.
+   * The selected licence's trade name — `ETradeBusinessInfo.TradeName`, falling
+   * back to the registered organization name (`ETradeCompanyInfo.BusinessName`)
+   * when eTrade leaves the licence's trade name blank. Never the manager/owner's
+   * personal name; that is {@link managerName}.
+   *
+   * NOT the legal entity name: a TIN often trades under a different name, and
+   * some hold several licences with different trade names. Anything that needs
+   * the registered name (tax/EIMS) must read `BusinessName` directly.
    */
   companyName: string;
   licenceNumber: string;