diff --git a/packages/verae-access-staff/src/iam-gate.js b/packages/verae-access-staff/src/iam-gate.js
index c5e6144..e443b55 100644
--- a/packages/verae-access-staff/src/iam-gate.js
+++ b/packages/verae-access-staff/src/iam-gate.js
@@ -23,7 +23,7 @@ export async function iamCheck(req, permission) {
 
 export async function denyOrRedirect(req, res, json, { permission, html }) {
   const out = await iamCheck(req, permission);
-  if (out.ok) return true;
+  if (out.ok) return out;
   const login = iamBase() || (process.env.STAFF_SESSION_URL || 'http://127.0.0.1:3028').replace(/\/$/, '');
   if (html) {
     res.writeHead(302, { location: `${login}/login?next=${encodeURIComponent('http://' + (req.headers.host || '127.0.0.1') + '/')}` });
diff --git a/packages/verae-access-staff/src/server.js b/packages/verae-access-staff/src/server.js
index 61967ce..7a0b75e 100644
--- a/packages/verae-access-staff/src/server.js
+++ b/packages/verae-access-staff/src/server.js
@@ -64,10 +64,12 @@ const server = http.createServer(async (req, res) => {
       return json(r.status, body);
     }
     if (req.method === 'POST' && url.pathname === '/credits') {
-      if (!(await denyOrRedirect(req, res, json, { permission: 'cs.credit' }))) return;
+      const who = await denyOrRedirect(req, res, json, { permission: 'cs.credit' });
+      if (!who) return;
       const chunks = [];
       for await (const c of req) chunks.push(c);
       const body = JSON.parse(Buffer.concat(chunks).toString('utf8') || '{}');
+      if (who.user?.username) body.agent = who.user.username;
       const gate = await check('verae.billing.balance.adjust', { kind: 'credit', principal: body.agent });
       if (!gate.allow) return json(403, gate);
       const r = await fetch(`${BOOKS}/adjust`, {
diff --git a/packages/verae-access-web/README.md b/packages/verae-access-web/README.md
index 5d3414e..4afa551 100644
--- a/packages/verae-access-web/README.md
+++ b/packages/verae-access-web/README.md
@@ -9,7 +9,9 @@ Every NATS hop is `verae.access.web.*` → `verae.access.authz.check` → intern
 | Route | Job |
 |-------|-----|
 | `GET /health` | `{ plane: "web" }` |
+| `GET /portal/` | Customer portal (static) |
+| `*` `/portal/api/*` | Proxy to loopback zappier-edge |
 | `GET /statement/:id` | Authz then statement |
 | `POST /reload` | Authz then `balance.adjust` kind=reload |
 
-Port `:3021`.
+Port `:3021`. Customer portal (public door): **http://0.0.0.0:3021/portal/** — static from `packages/zappier/portal`, `/portal/api` proxied to loopback zappier-edge. Edge itself stays on `127.0.0.1:3000`.
diff --git a/packages/verae-access-web/src/server.js b/packages/verae-access-web/src/server.js
index c5351df..7802511 100644
--- a/packages/verae-access-web/src/server.js
+++ b/packages/verae-access-web/src/server.js
@@ -1,9 +1,69 @@
 #!/usr/bin/env node
-/** Direct customer web access. Not Zapier. NATS only after authz. */
+/** Direct customer web access. Not Zapier. Serves the portal; APIs after authz. */
+import fs from 'node:fs';
 import http from 'node:http';
+import path from 'node:path';
+import { fileURLToPath } from 'node:url';
 import { PLANE, statement, reload } from './gate.js';
 
 const PORT = Number(process.env.PORT || 3021);
+const EDGE = (process.env.ZAPPIER_EDGE_URL || 'http://127.0.0.1:3000').replace(/\/$/, '');
+const HERE = path.dirname(fileURLToPath(import.meta.url));
+const PORTAL = process.env.PORTAL_STATIC || path.join(HERE, '..', '..', 'zappier', 'portal');
+
+function mime(p) {
+  if (p.endsWith('.js')) return 'application/javascript; charset=utf-8';
+  if (p.endsWith('.css')) return 'text/css; charset=utf-8';
+  if (p.endsWith('.html')) return 'text/html; charset=utf-8';
+  if (p.endsWith('.svg')) return 'image/svg+xml';
+  if (p.endsWith('.json')) return 'application/json';
+  return 'application/octet-stream';
+}
+
+async function proxyPortalApi(req, res, url) {
+  const dest = `${EDGE}${url.pathname}${url.search}`;
+  const chunks = [];
+  for await (const c of req) chunks.push(c);
+  const r = await fetch(dest, {
+    method: req.method,
+    headers: {
+      'content-type': req.headers['content-type'] || 'application/json',
+      authorization: req.headers.authorization || '',
+      cookie: req.headers.cookie || '',
+    },
+    body: req.method === 'GET' || req.method === 'HEAD' ? undefined : Buffer.concat(chunks),
+  });
+  const buf = Buffer.from(await r.arrayBuffer());
+  const headers = { 'content-type': r.headers.get('content-type') || 'application/json' };
+  const setc = r.headers.get('set-cookie');
+  if (setc) headers['set-cookie'] = setc;
+  res.writeHead(r.status, headers);
+  res.end(buf);
+}
+
+function servePortal(req, res, url) {
+  let rel = url.pathname.replace(/^\/portal\/?/, '') || 'index.html';
+  if (rel.endsWith('/')) rel += 'index.html';
+  const file = path.normalize(path.join(PORTAL, rel));
+  if (!file.startsWith(path.normalize(PORTAL))) {
+    res.writeHead(403);
+    res.end('forbidden');
+    return;
+  }
+  if (!fs.existsSync(file) || !fs.statSync(file).isFile()) {
+    const index = path.join(PORTAL, 'index.html');
+    if (fs.existsSync(index) && !path.extname(rel)) {
+      res.writeHead(200, { 'content-type': 'text/html; charset=utf-8' });
+      res.end(fs.readFileSync(index));
+      return;
+    }
+    res.writeHead(404, { 'content-type': 'application/json' });
+    res.end(JSON.stringify({ error: 'not found' }));
+    return;
+  }
+  res.writeHead(200, { 'content-type': mime(file) });
+  res.end(fs.readFileSync(file));
+}
 
 const server = http.createServer(async (req, res) => {
   const url = new URL(req.url || '/', `http://127.0.0.1:${PORT}`);
@@ -13,7 +73,17 @@ const server = http.createServer(async (req, res) => {
   };
   try {
     if (req.method === 'GET' && url.pathname === '/health') {
-      return json(200, { ok: true, role: 'verae-access-web', plane: PLANE });
+      return json(200, { ok: true, role: 'verae-access-web', plane: PLANE, portal: fs.existsSync(PORTAL) });
+    }
+    if (req.method === 'GET' && (url.pathname === '/' || url.pathname === '/portal')) {
+      res.writeHead(302, { location: '/portal/' });
+      return res.end();
+    }
+    if (url.pathname.startsWith('/portal/api')) {
+      return proxyPortalApi(req, res, url);
+    }
+    if (url.pathname.startsWith('/portal')) {
+      return servePortal(req, res, url);
     }
     const st = url.pathname.match(/^\/statement\/([^/]+)$/);
     if (req.method === 'GET' && st) {
@@ -34,5 +104,5 @@ const server = http.createServer(async (req, res) => {
 });
 
 server.listen(PORT, '0.0.0.0', () => {
-  process.stdout.write(`verae-access-web http://0.0.0.0:${PORT}/ plane=${PLANE}\n`);
+  process.stdout.write(`verae-access-web http://0.0.0.0:${PORT}/ plane=${PLANE} portal=${PORTAL}\n`);
 });
diff --git a/packages/verae-access-web/test/health.test.js b/packages/verae-access-web/test/health.test.js
index fbbdf18..0bd85cb 100644
--- a/packages/verae-access-web/test/health.test.js
+++ b/packages/verae-access-web/test/health.test.js
@@ -41,6 +41,9 @@ test('web plane can read statement after authz, cannot skip authz', async () =>
     });
     const h = await (await fetch(`http://127.0.0.1:${webPort}/health`)).json();
     assert.equal(h.plane, 'web');
+    const portal = await fetch(`http://127.0.0.1:${webPort}/portal/`);
+    assert.equal(portal.status, 200);
+    assert.match(await portal.text(), /Zappier Portal|portal/i);
     const st = await (await fetch(`http://127.0.0.1:${webPort}/statement/c-web`)).json();
     assert.equal(st.prepaidCents, 400);
     assert.equal(st.plane, 'web');
diff --git a/packages/verae-fleet/services/access-web.json b/packages/verae-fleet/services/access-web.json
index 65481a1..213e80d 100644
--- a/packages/verae-fleet/services/access-web.json
+++ b/packages/verae-fleet/services/access-web.json
@@ -17,7 +17,8 @@
     "PORT": "3021",
     "AUTHZ_URL": "http://127.0.0.1:3020",
     "ACCOUNT_BALANCE_URL": "http://127.0.0.1:3010",
-    "NATS_URL": "nats://127.0.0.1:4222"
+    "NATS_URL": "nats://127.0.0.1:4222",
+    "ZAPPIER_EDGE_URL": "http://127.0.0.1:3000"
   },
   "nats": {
     "in": [],
diff --git a/packages/verae-fleet/src/iam-gate.js b/packages/verae-fleet/src/iam-gate.js
index c5e6144..e443b55 100644
--- a/packages/verae-fleet/src/iam-gate.js
+++ b/packages/verae-fleet/src/iam-gate.js
@@ -23,7 +23,7 @@ export async function iamCheck(req, permission) {
 
 export async function denyOrRedirect(req, res, json, { permission, html }) {
   const out = await iamCheck(req, permission);
-  if (out.ok) return true;
+  if (out.ok) return out;
   const login = iamBase() || (process.env.STAFF_SESSION_URL || 'http://127.0.0.1:3028').replace(/\/$/, '');
   if (html) {
     res.writeHead(302, { location: `${login}/login?next=${encodeURIComponent('http://' + (req.headers.host || '127.0.0.1') + '/')}` });
diff --git a/packages/verae-staff-iam/README.md b/packages/verae-staff-iam/README.md
index dd404cb..bf5db20 100644
--- a/packages/verae-staff-iam/README.md
+++ b/packages/verae-staff-iam/README.md
@@ -16,7 +16,7 @@ Port **`:3028`**. UI: sign-in, people, roles, audit.
 | `accounting` | `acct-dev-key` | accounting |
 | `operator` | `fleet-dev-key` | operator |
 
-Override with `IAM_OWNER_PASSWORD`, `IAM_CS_PASSWORD`, etc. Persist: `STAFF_IAM_PATH`.
+Override with `IAM_OWNER_PASSWORD`, `IAM_CS_PASSWORD`, etc. Persist: `STAFF_IAM_PATH` (users, audit, **sessions**). Login is rate-limited (8 failures / 10 minutes / IP).
 
 ## Wire other doors
 
diff --git a/packages/verae-staff-iam/src/server.js b/packages/verae-staff-iam/src/server.js
index 4b1f622..75d1cbe 100644
--- a/packages/verae-staff-iam/src/server.js
+++ b/packages/verae-staff-iam/src/server.js
@@ -3,16 +3,17 @@ import fs from 'node:fs';
 import http from 'node:http';
 import path from 'node:path';
 import { fileURLToPath } from 'node:url';
-import { allows, publicUser, ROLES, PERMISSIONS, expandRoles } from './roles.js';
+import { allows, publicUser, ROLES, PERMISSIONS } from './roles.js';
 import { verifyPassword } from './passwords.js';
 import { loadIam, saveIam } from './store.js';
 import {
-  issueSession,
-  getSession,
-  revokeSession,
   cookieHeader,
   clearCookieHeader,
   tokenFromReq,
+  loginLocked,
+  loginFail,
+  loginOk,
+  clientKey,
 } from './sessions.js';
 
 const PUBLIC = path.join(path.dirname(fileURLToPath(import.meta.url)), '..', 'public');
@@ -41,7 +42,7 @@ function readBody(req) {
 
 function actorOf(req) {
   const tok = tokenFromReq(req);
-  const s = getSession(tok);
+  const s = iam.getSession(tok);
   if (!s) return null;
   const u = iam.findById(s.userId);
   if (!u || !u.active) return null;
@@ -87,15 +88,22 @@ const server = http.createServer(async (req, res) => {
       const username = String(body.username || '').trim();
       const password = String(body.password || '');
       const next = body.next || '/';
+      if (loginLocked(req, username)) {
+        iam.log(username || 'unknown', 'login.lock', clientKey(req));
+        saveIam(iam);
+        return json(429, { error: 'too many login attempts; try again in 10 minutes' });
+      }
       const user = iam.findByUsername(username);
       if (!user || !user.active || !verifyPassword(password, user.passwordHash)) {
+        loginFail(req, username);
         iam.log(username || 'unknown', 'login.fail', username);
         saveIam(iam);
         if ((req.headers['content-type'] || '').includes('json')) return json(401, { error: 'invalid username or password' });
         res.writeHead(302, { location: '/login?error=1' });
         return res.end();
       }
-      const token = issueSession(user.id);
+      loginOk(req, username);
+      const token = iam.issueSession(user.id);
       iam.log(username, 'login.ok', username);
       saveIam(iam);
       const loc = typeof next === 'string' && (next.startsWith('http') || next.startsWith('/')) ? next : '/';
@@ -110,7 +118,8 @@ const server = http.createServer(async (req, res) => {
       return res.end();
     }
     if (req.method === 'POST' && url.pathname === '/logout') {
-      revokeSession(tokenFromReq(req));
+      iam.revokeSession(tokenFromReq(req));
+      saveIam(iam);
       if ((req.headers['content-type'] || '').includes('json')) {
         res.writeHead(200, { 'content-type': 'application/json', 'set-cookie': clearCookieHeader() });
         return res.end(JSON.stringify({ ok: true }));
diff --git a/packages/verae-staff-iam/src/sessions.js b/packages/verae-staff-iam/src/sessions.js
index 688cdd3..0ab0d77 100644
--- a/packages/verae-staff-iam/src/sessions.js
+++ b/packages/verae-staff-iam/src/sessions.js
@@ -1,31 +1,6 @@
-import { randomBytes } from 'node:crypto';
-
-const TTL_MS = 12 * 60 * 60 * 1000;
-const sessions = new Map();
-
-export function issueSession(userId) {
-  const token = randomBytes(24).toString('hex');
-  sessions.set(token, { userId, exp: Date.now() + TTL_MS });
-  return token;
-}
-
-export function getSession(token) {
-  if (!token) return null;
-  const s = sessions.get(token);
-  if (!s) return null;
-  if (s.exp < Date.now()) {
-    sessions.delete(token);
-    return null;
-  }
-  return s;
-}
-
-export function revokeSession(token) {
-  if (token) sessions.delete(token);
-}
-
 export function cookieHeader(token) {
-  let s = `staff_session=${token}; Path=/; HttpOnly; SameSite=Lax; Max-Age=${Math.floor(TTL_MS / 1000)}`;
+  const ttl = 12 * 60 * 60;
+  let s = `staff_session=${token}; Path=/; HttpOnly; SameSite=Lax; Max-Age=${ttl}`;
   const domain = process.env.STAFF_COOKIE_DOMAIN;
   if (domain) s += `; Domain=${domain}`;
   if (process.env.STAFF_COOKIE_SECURE === '1') s += '; Secure';
@@ -46,3 +21,39 @@ export function tokenFromReq(req) {
   const m = /(?:^|; )staff_session=([^;]+)/.exec(raw);
   return m ? m[1] : '';
 }
+
+const fails = new Map();
+
+export function clientKey(req) {
+  return String(req.headers?.['x-forwarded-for'] || req.socket?.remoteAddress || 'local').split(',')[0].trim();
+}
+
+function failKey(req, username) {
+  return `${clientKey(req)}:${String(username || '').toLowerCase()}`;
+}
+
+/** True if this IP+username is currently locked out. */
+export function loginLocked(req, username) {
+  const k = failKey(req, username);
+  const s = fails.get(k);
+  if (!s) return false;
+  if (Date.now() > s.until) {
+    fails.delete(k);
+    return false;
+  }
+  return s.n >= 8;
+}
+
+export function loginFail(req, username) {
+  const k = failKey(req, username);
+  const now = Date.now();
+  let s = fails.get(k);
+  if (!s || now > s.until) s = { n: 0, until: now + 10 * 60 * 1000 };
+  s.n += 1;
+  fails.set(k, s);
+  return s.n >= 8;
+}
+
+export function loginOk(req, username) {
+  fails.delete(failKey(req, username));
+}
diff --git a/packages/verae-staff-iam/src/store.js b/packages/verae-staff-iam/src/store.js
index 3b606c2..0d12560 100644
--- a/packages/verae-staff-iam/src/store.js
+++ b/packages/verae-staff-iam/src/store.js
@@ -18,6 +18,8 @@ export class StaffIam {
     this.users = [];
     /** @type {Array<{t:string,actor:string,action:string,target?:string,detail?:string}>} */
     this.audit = [];
+    /** @type {Record<string,{userId:string,exp:number}>} */
+    this.sessions = {};
   }
 
   seed() {
@@ -131,14 +133,47 @@ export class StaffIam {
     return user;
   }
 
+  issueSession(userId, ttlMs = 12 * 60 * 60 * 1000) {
+    const token = randomBytes(24).toString('hex');
+    this.sessions[token] = { userId, exp: Date.now() + ttlMs };
+    this.pruneSessions();
+    return token;
+  }
+
+  getSession(token) {
+    if (!token) return null;
+    this.pruneSessions();
+    const s = this.sessions[token];
+    if (!s) return null;
+    if (s.exp < Date.now()) {
+      delete this.sessions[token];
+      return null;
+    }
+    return s;
+  }
+
+  revokeSession(token) {
+    if (token) delete this.sessions[token];
+  }
+
+  pruneSessions() {
+    const now = Date.now();
+    for (const [k, s] of Object.entries(this.sessions)) {
+      if (!s || s.exp < now) delete this.sessions[k];
+    }
+  }
+
   dump() {
-    return { users: this.users, audit: this.audit };
+    this.pruneSessions();
+    return { users: this.users, audit: this.audit, sessions: this.sessions };
   }
 
   load(raw) {
     if (!raw || typeof raw !== 'object') return this;
     this.users = Array.isArray(raw.users) ? raw.users : [];
     this.audit = Array.isArray(raw.audit) ? raw.audit : [];
+    this.sessions = raw.sessions && typeof raw.sessions === 'object' ? raw.sessions : {};
+    this.pruneSessions();
     return this;
   }
 }
diff --git a/packages/verae-staff-iam/test/roles.test.js b/packages/verae-staff-iam/test/roles.test.js
index e89bd41..8f9713c 100644
--- a/packages/verae-staff-iam/test/roles.test.js
+++ b/packages/verae-staff-iam/test/roles.test.js
@@ -12,6 +12,15 @@ test('owner expands to all permissions', () => {
   assert.ok(ROLES.sales);
 });
 
+test('sessions persist in dump/load', () => {
+  const iam = new StaffIam().seed();
+  const u = iam.findByUsername('cs');
+  const tok = iam.issueSession(u.id);
+  const raw = iam.dump();
+  const b = new StaffIam().load(raw);
+  assert.equal(b.getSession(tok).userId, u.id);
+});
+
 test('cannot deactivate last owner; passwords hash', () => {
   const iam = new StaffIam().seed();
   const owner = iam.findByUsername('admin');
diff --git a/packages/verae-zapier-middleware/src/lib/receiptPdf.js b/packages/verae-zapier-middleware/src/lib/receiptPdf.js
index 5a64c7b..b3e63d2 100644
--- a/packages/verae-zapier-middleware/src/lib/receiptPdf.js
+++ b/packages/verae-zapier-middleware/src/lib/receiptPdf.js
@@ -1,41 +1,66 @@
 /**
- * Minimal PDF builder for retrieval receipts (no native deps).
+ * Branded PDF retrieval receipt (no native deps).
  * @module lib/receiptPdf
  */
 
-/**
- * @param {string} s
- * @returns {string}
- */
 function pdfEscape(s) {
   return String(s).replace(/\\/g, '\\\\').replace(/\(/g, '\\(').replace(/\)/g, '\\)');
 }
 
+function wrap(s, n) {
+  const str = String(s || '');
+  const out = [];
+  for (let i = 0; i < str.length; i += n) out.push(str.slice(i, i + n));
+  return out.length ? out : [''];
+}
+
 /**
  * @param {object} receipt
  * @returns {Buffer}
  */
 export function buildReceiptPdf(receipt) {
-  const lines = [
-    'Verae Time — certified retrieval receipt',
-    `Type: ${receipt.type}`,
-    `Job ID: ${receipt.jobId}`,
-    `SHA256: ${receipt.sha256 ?? ''}`,
-    `Original timestamp: ${receipt.timestamp ?? ''}`,
-    `Retrieved at: ${receipt.extraSeal?.retrievedAt ?? ''}`,
-    `Tenant: ${receipt.extraSeal?.tenantId ?? ''}`,
-    `Seal event: ${receipt.extraSeal?.event ?? ''}`,
-    `Certificate: ${String(receipt.certificate ?? '').slice(0, 80)}`,
-  ];
+  const lines = [];
+  const add = (label, value) => {
+    lines.push({ kind: 'label', text: label });
+    wrap(value, 86).forEach((t) => lines.push({ kind: 'value', text: t }));
+    lines.push({ kind: 'gap' });
+  };
+  add('Job ID', receipt.jobId);
+  add('SHA-256', receipt.sha256 ?? '');
+  add('Original timestamp', receipt.timestamp ?? '');
+  add('Retrieved at', receipt.extraSeal?.retrievedAt ?? '');
+  add('Tenant', receipt.extraSeal?.tenantId ?? '');
+  add('Seal event', receipt.extraSeal?.event ?? '');
+  add('Certificate', String(receipt.certificate ?? '').slice(0, 240));
 
-  const commands = lines
-    .map((line, i) => {
-      const y = 720 - i * 18;
-      return `BT /F1 11 Tf 50 ${y} Td (${pdfEscape(line)}) Tj ET`;
-    })
-    .join('\n');
+  const ops = [];
+  ops.push('0.192 0.180 0.506 rg');
+  ops.push('0 742 612 50 re f');
+  ops.push('1 1 1 rg');
+  ops.push('BT /F1 16 Tf 36 760 Td (Verae Time) Tj ET');
+  ops.push('BT /F1 9 Tf 36 746 Td (CERTIFIED RETRIEVAL RECEIPT) Tj ET');
+  ops.push('0.09 0.10 0.15 rg');
+  let y = 710;
+  for (const line of lines) {
+    if (line.kind === 'gap') {
+      y -= 8;
+      continue;
+    }
+    const size = line.kind === 'label' ? 8 : 11;
+    ops.push(`BT /F1 ${size} Tf 36 ${y} Td (${pdfEscape(line.text)}) Tj ET`);
+    y -= line.kind === 'label' ? 12 : 14;
+  }
+  ops.push('0.192 0.180 0.506 rg');
+  ops.push('36 48 540 0.8 re f');
+  ops.push('0.42 0.44 0.52 rg');
+  ops.push(
+    'BT /F1 8 Tf 36 34 Td (This is a certified retrieval receipt. The extra-seal event is recorded with the hash. It is not a substitute for the chain record.) Tj ET',
+  );
+  ops.push(
+    `BT /F1 8 Tf 36 22 Td (${pdfEscape('Verae Time x Zapier  ·  type ' + (receipt.type || 'verae.retrieval-receipt'))}) Tj ET`,
+  );
 
-  const stream = `${commands}\n`;
+  const stream = `${ops.join('\n')}\n`;
   const objects = [
     '1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj',
     '2 0 obj << /Type /Pages /Kids [3 0 R] /Count 1 >> endobj',
diff --git a/packages/zapier-decisions/LOG.md b/packages/zapier-decisions/LOG.md
index d714a0e..f8fb409 100644
--- a/packages/zapier-decisions/LOG.md
+++ b/packages/zapier-decisions/LOG.md
@@ -32,6 +32,13 @@
 - Disable lan-134 unless `FLEET_ENABLE_LAN134=1`.
 - SSH spawn timeout 8s; failed hosts skipped.
 
+## 2026-09-11 — IAM on lab, portal door, hardening
+
+- Restarted fleet with `STAFF_IAM_URL`. Walk: cs credits (agent=`cs`) and is 403 on accounting export; operator fleet POST 200, cs 403; admin `/me` permissions `*`.
+- Portal public door `verae-access-web` `:3021/portal/` (static + `/portal/api` → loopback edge).
+- IAM sessions persist in JSON; login rate-limit per IP+username (8/10min); credits stamp IAM username as authz principal.
+- lan-134 remains disabled unless `FLEET_ENABLE_LAN134=1`. Receipt PDF branded (indigo header + legal footer).
+
 ## 2026-09-11 — staff IAM
 
 - New `verae-staff-iam` :3028 — users, roles, permissions, sessions, audit UI.
diff --git a/packages/zapier-decisions/TODO.md b/packages/zapier-decisions/TODO.md
index 153f9e5..a1ff100 100644
--- a/packages/zapier-decisions/TODO.md
+++ b/packages/zapier-decisions/TODO.md
@@ -6,4 +6,4 @@
 - [x] Auth on CS/sales/accounting HTML via `verae-staff-session` (`STAFF_AUTH=1`).
 - [x] Staff IAM: named users, roles, permissions (`verae-staff-iam` :3028).
 - [ ] Zapier Platform `push` of a private app.
-- [ ] Move portal static files fully into `verae-access-web` (today it proxies `/portal` to loopback edge).
+- [x] Move portal static files fully into `verae-access-web` (`/portal/` public door; API proxied to loopback edge).
diff --git a/packages/zappier-accounting-export/src/iam-gate.js b/packages/zappier-accounting-export/src/iam-gate.js
index c5e6144..e443b55 100644
--- a/packages/zappier-accounting-export/src/iam-gate.js
+++ b/packages/zappier-accounting-export/src/iam-gate.js
@@ -23,7 +23,7 @@ export async function iamCheck(req, permission) {
 
 export async function denyOrRedirect(req, res, json, { permission, html }) {
   const out = await iamCheck(req, permission);
-  if (out.ok) return true;
+  if (out.ok) return out;
   const login = iamBase() || (process.env.STAFF_SESSION_URL || 'http://127.0.0.1:3028').replace(/\/$/, '');
   if (html) {
     res.writeHead(302, { location: `${login}/login?next=${encodeURIComponent('http://' + (req.headers.host || '127.0.0.1') + '/')}` });
diff --git a/packages/zappier-customer-service/src/iam-gate.js b/packages/zappier-customer-service/src/iam-gate.js
index c5e6144..e443b55 100644
--- a/packages/zappier-customer-service/src/iam-gate.js
+++ b/packages/zappier-customer-service/src/iam-gate.js
@@ -23,7 +23,7 @@ export async function iamCheck(req, permission) {
 
 export async function denyOrRedirect(req, res, json, { permission, html }) {
   const out = await iamCheck(req, permission);
-  if (out.ok) return true;
+  if (out.ok) return out;
   const login = iamBase() || (process.env.STAFF_SESSION_URL || 'http://127.0.0.1:3028').replace(/\/$/, '');
   if (html) {
     res.writeHead(302, { location: `${login}/login?next=${encodeURIComponent('http://' + (req.headers.host || '127.0.0.1') + '/')}` });
diff --git a/packages/zappier-customer-service/src/server.js b/packages/zappier-customer-service/src/server.js
index fef39ee..8ec9e26 100644
--- a/packages/zappier-customer-service/src/server.js
+++ b/packages/zappier-customer-service/src/server.js
@@ -53,6 +53,7 @@ const server = http.createServer(async (req, res) => {
       return json(200, { ok: true, role: 'zappier-customer-service', nats: Boolean(process.env.NATS_URL) });
     }
     if (req.method === 'GET' && url.pathname === '/customers') {
+      if (!(await denyOrRedirect(req, res, json, { permission: 'cs.review' }))) return;
       return json(200, { customers: await listCustomers(EDGE, KEY) });
     }
     const review = url.pathname.match(/^\/review\/([^/]+)$/);
@@ -64,11 +65,13 @@ const server = http.createServer(async (req, res) => {
       return json(out.status, out.body);
     }
     if (req.method === 'POST' && url.pathname === '/credits') {
-      if (!(await denyOrRedirect(req, res, json, { permission: 'cs.credit' }))) return;
+      const who = await denyOrRedirect(req, res, json, { permission: 'cs.credit' });
+      if (!who) return;
       const chunks = [];
       for await (const c of req) chunks.push(c);
       const payload = JSON.parse(Buffer.concat(chunks).toString('utf8') || '{}');
-      const nats = await billingRequest(SUBJECTS.BALANCE_ADJUST, { ...payload, kind: 'credit' });
+      if (who.user?.username) payload.agent = who.user.username;
+      const nats = await billingRequest(SUBJECTS.BALANCE_ADJUST, { ...payload, kind: 'credit', principal: payload.agent });
       if (nats) return json(200, { ...nats, source: 'nats' });
       const r = await fetch(`${BOOKS}/adjust`, {
         method: 'POST',
diff --git a/packages/zappier-sales-pricing/src/iam-gate.js b/packages/zappier-sales-pricing/src/iam-gate.js
index c5e6144..e443b55 100644
--- a/packages/zappier-sales-pricing/src/iam-gate.js
+++ b/packages/zappier-sales-pricing/src/iam-gate.js
@@ -23,7 +23,7 @@ export async function iamCheck(req, permission) {
 
 export async function denyOrRedirect(req, res, json, { permission, html }) {
   const out = await iamCheck(req, permission);
-  if (out.ok) return true;
+  if (out.ok) return out;
   const login = iamBase() || (process.env.STAFF_SESSION_URL || 'http://127.0.0.1:3028').replace(/\/$/, '');
   if (html) {
     res.writeHead(302, { location: `${login}/login?next=${encodeURIComponent('http://' + (req.headers.host || '127.0.0.1') + '/')}` });
diff --git a/packages/zappier/src/admin.ts b/packages/zappier/src/admin.ts
index 9f9ff7a..a6e5d82 100644
--- a/packages/zappier/src/admin.ts
+++ b/packages/zappier/src/admin.ts
@@ -70,6 +70,33 @@ export function adminAuth(): RequestHandler {
       req.staff = sess;
       return next();
     }
+    const base = iamUrl();
+    if (base && token) {
+      void (async () => {
+        try {
+          const r = await fetch(`${base}/check`, { headers: { authorization: `Bearer ${token}` } });
+          if (!r.ok) {
+            res.status(403).json({ error: 'invalid or missing admin key' });
+            return;
+          }
+          const body = (await r.json()) as { user?: StaffSession };
+          if (body.user) {
+            req.staff = {
+              username: body.user.username,
+              name: body.user.name,
+              roles: body.user.roles,
+              permissions: body.user.permissions || [],
+              t: Date.now(),
+            };
+            return next();
+          }
+        } catch {
+          /* fall through */
+        }
+        res.status(403).json({ error: 'invalid or missing admin key' });
+      })();
+      return;
+    }
     res.status(403).json({ error: 'invalid or missing admin key' });
   };
 }