diff --git a/Makefile b/Makefile
index 756e50f..f5aa3fb 100644
--- a/Makefile
+++ b/Makefile
@@ -54,6 +54,9 @@ package-notifications-interface: generate-notifications
 
 # Local product stack. Releases are resolved afresh, then pinned by digest.
 COMPOSE = docker compose --project-directory . -f infra/local/compose.yml --env-file .local/dev/images.env
+ifneq ($(wildcard .local/dev/sendico/settings.env),)
+COMPOSE += -f infra/local/sendico/compose.yml
+endif
 .PHONY: build up down logs ps test-dev
 build:
 	sh infra/local/tools.sh build
@@ -92,3 +95,7 @@ email:
 
 test-dev-tooling:
 	sh infra/local/tools.sh test
+
+.PHONY: sendico
+sendico:
+	sh infra/local/tools.sh sendico
diff --git a/docs/local-development.md b/docs/local-development.md
index 9b9c8b6..eb57cb4 100644
--- a/docs/local-development.md
+++ b/docs/local-development.md
@@ -1,5 +1,7 @@
 # Local development
 
+For the connected Sendico stand, see [local Sendico integration](local-sendico.md).
+
 Task [#42](https://git.sendico.io/tech/sxchnge/issues/42),
 [PR #43](https://git.sendico.io/tech/sxchnge/pulls/43), branch `dev-env-42`.
 
diff --git a/docs/local-sendico.md b/docs/local-sendico.md
new file mode 100644
index 0000000..d1f42b5
--- /dev/null
+++ b/docs/local-sendico.md
@@ -0,0 +1,158 @@
+# Local Sendico integration
+
+Task [#52](https://git.sendico.io/tech/sxchnge/issues/52), branch `local-stand-52`,
+based on `payments-50` / [PR #51](https://git.sendico.io/tech/sxchnge/pulls/51).
+The local Sendico checkout uses `payments-2896` /
+[PR #2897](https://git.sendico.io/tech/sendico/pulls/2897). Merge the prerequisites
+before this infrastructure PR. No PR is merged by local startup.
+
+## Running the configured stands
+
+Start Sendico first from its checkout using its documented Make workflow. Its
+Product API must respond at `http://localhost:8080/api/v1/health`. Then, here:
+
+```sh
+make build
+make up
+make test-dev
+```
+
+Open [SXCHNGE](https://localhost:5126),
+[Sendico Product](http://localhost:3000), and
+[Sendico Backoffice](http://localhost:4000).
+SXCHNGE's Caddy CA is exported to `.local/dev/ca.pem`; trust that public CA in
+the browser/OS if necessary. Bootstrap does not modify the system trust store.
+
+The optional integration is selected by ignored `.local/dev/sendico/settings.env`.
+Make and the containerized bootstrap both include
+`infra/local/sendico/compose.yml` whenever that file exists. Standalone SXCHNGE
+still uses six services. The connected stack adds one `sendico` session worker.
+`make ps`, `make logs`, and `make down` include it automatically.
+
+## Identity and configuration
+
+The configured local stand has a dedicated `SXCHNGE Local` organization, active
+integration account and account-bound confidential API client. The account is
+an organization member with organization read/update, ledger read, payment
+create/read, and recipient create/read/update permissions. Customer subjects
+remain independent from that account. No pooled balances, customer funds or
+payout destinations are seeded by this setup. Existing stand data is retained.
+This identity was created through a one-time local administrative bootstrap;
+runtime traffic and session creation use only the public HTTP API.
+
+For another stand, an operator must first provision the organization, account,
+client and grants in Sendico. Resolve actual IDs from that stand; do not copy
+another environment's references. Initialize SXCHNGE's Vault using `make up`
+before configuring the integration. Supply this JSON privately on stdin:
+
+```json
+{
+  "organization_ref": "<organization object ID>",
+  "source_account_ref": "<integration account object ID>",
+  "client_id": "<confidential client ID>",
+  "device_id": "sxchnge-local-bff",
+  "login": "<integration login>",
+  "password": "<integration password>",
+  "client_secret": "<confidential client secret>"
+}
+```
+
+```sh
+# Save operator input outside tracked files, with mode 0600. Never echo it.
+make sendico < /private/path/sendico-input.json
+make up
+make test-dev
+```
+
+`make sendico` validates references and identifiers, stores only login/password/
+client_secret at Vault `kv/services/bff/sendico`, and writes the non-secret client,
+device, organization and source references into ignored local settings. The BFF
+runtime is generated from `infra/local/bff/runtime.yml` with the existing
+`api.sendico` configuration. Re-run configuration after changing that base YAML.
+Remove the temporary input file once credentials have been stored in Vault.
+No Sendico configuration parameters or application transport rules change.
+
+## Connection and renewal
+
+The session worker shares BFF's network namespace and binds a private loopback
+TCP bridge at `127.0.0.1:18081`, forwarding to
+`host.docker.internal:8080`. This uses the local stand's existing public HTTP API
+port; it requires a local Docker engine with `host.docker.internal` support, as
+provided by Docker Desktop. The bridge publishes no new host port. The adapter's
+existing HTTPS requirement and loopback-only HTTP exception remain intact.
+
+The worker authenticates to Vault with its own AppRole, reads exactly
+`services/bff/sendico`, and revokes its five-minute Vault token after reading.
+It cannot read Mongo credentials, JWT signing keys, NATS auth or administrator
+material. Its initial login uses Sendico's public `/accounts/login/api` grant,
+validates the access token's source account, full-session status and expiry, and
+atomically publishes the token in a volume mounted read-only by BFF. Credentials
+and response bodies stay in private tmpfs files and never appear in logs or
+command arguments. Flutter receives no platform credentials.
+
+Successful login repeats every 20 minutes before the one-hour access token
+expires. A failure retains the prior token, logs one generic actionable message,
+and retries after five minutes. The worker becomes unhealthy after 25 minutes
+without renewal or when the upstream health endpoint fails; the adapter
+separately rejects expired or mismatched tokens.
+BFF waits for a recent token at startup. Following credential changes, restart
+the worker with `make up` followed by the Compose restart command below, or wait
+for its next renewal. Never change the integration account on an existing
+financial environment without reviewing resource and idempotency bindings.
+
+```sh
+docker compose --project-directory . -f infra/local/compose.yml \
+  -f infra/local/sendico/compose.yml --env-file .local/dev/images.env restart sendico
+```
+
+`make test-dev` checks seven healthy services, verified browser TLS, the Vault
+layout and least-privilege identities, Mongo transactions/lease rotation, and
+authenticated Sendico currency and ledger reads through the same loopback
+connection and token used by BFF. It sends no email and executes no payment.
+An empty wallet is expected until dedicated subject-bound currency ledgers and
+saved methods are provisioned as described in [payment provisioning](payments.md).
+
+## Recovery
+
+The existing stand had application processes stopped inside still-running Air
+containers after a NATS disconnect and Mongo replica-state interruption. Restore
+discovery first, then Treasury and the other service announcers. Wait until each
+stage is registered before restarting dependent services: billing fees and
+Ledger, then Limits/gateways/quotation/receiving routes, then payment orchestrator,
+compliance assessment and Product BFF. The Sendico Makefile provides its ordered
+backend startup workflow. Inspect current logs and health instead of assuming a
+running development container has a live application process. Do not delete
+volumes or reset financial data to recover service registration.
+
+If an old Caddy leaf certificate expires while the stack is stopped, restart
+frontend after startup so Caddy issues a fresh certificate. Preserve `caddy-data`
+and the established CA. A subsequent verified TLS check must succeed.
+
+## Acceptance and operator UX review
+
+Validated on 2026-10-16: `make build`, `make up`, `make test-dev-tooling`,
+`make test-dev-infra`, `make test-dev`, and `git diff --check` passed. Both product
+sites, Sendico Backoffice and both API health endpoints returned HTTP 200;
+SXCHNGE's browser endpoint was checked with its exported CA. All Sendico services
+with health checks were healthy. Forced worker restart issued a different valid
+same-account token and preserved successful authenticated currency/ledger reads.
+The existing notification sender edit remains outside this task's commit.
+
+The setup journey starts with the operator's Make invocation and completes when
+Compose confirms service readiness; `make test-dev` additionally confirms the
+authenticated integration. Existing command exit codes and Compose progress /
+health states distinguish configuration, dependency, authentication and readiness
+failures. A renewed-session log records credential recovery, while stale renewal
+or upstream outage changes container health. Each new operator invocation is a
+new attempt; worker retries remain within that process's lifetime. Command wall
+time measures setup duration. Interrupted commands are incomplete attempts, not
+successful launches. These are local operator signals, with no retained analytics
+or cross-invocation conversion/abandonment reporting added.
+
+The UX review covered missing bootstrap material, malformed operator input,
+authentication failure, retained retry context, stale TLS recovery, successful
+startup and confirmed API access. Commands reuse existing Make/Compose patterns,
+errors give a recovery action, and success follows readiness. No secret values
+appear in terminal feedback. Product layouts, focus and screen-reader behavior
+are unchanged; browser interaction and funded payment settlement are not claimed
+by HTTP readiness checks. No email or payment was sent during validation.
diff --git a/infra/images/tools.Dockerfile b/infra/images/tools.Dockerfile
index 39e2ea9..3e59be6 100644
--- a/infra/images/tools.Dockerfile
+++ b/infra/images/tools.Dockerfile
@@ -1,3 +1,3 @@
 ARG DOCKER_IMAGE
 FROM ${DOCKER_IMAGE}
-RUN apk add --no-cache curl jq git openssl util-linux shellcheck
+RUN apk add --no-cache curl jq git openssl util-linux shellcheck socat
diff --git a/infra/local/scripts/bootstrap.sh b/infra/local/scripts/bootstrap.sh
index 3fcee0d..9e07d40 100644
--- a/infra/local/scripts/bootstrap.sh
+++ b/infra/local/scripts/bootstrap.sh
@@ -54,24 +54,31 @@ provision_mongo() {
  { cat "$WORK/admin.js"; cat infra/local/mongo/mongo-client.js; } | mongo >/dev/null || fail 'Browser client provisioning failed'
 }
 provision_agents() {
- for service in bff notifications nats; do
+ services='bff notifications nats'
+ if [ -f "$STATE/sendico/settings.env" ]; then services="$services sendico"; fi
+ for service in $services; do
   directory="$STATE/agents/$service"
   mkdir -p "$directory"; chmod 755 "$directory"
   case "$service" in
    bff) paths='services/bff/jwt';;
    notifications) paths='infrastructure/nats/auth services/notifications/email/resend';;
    nats) paths=infrastructure/nats/auth;;
+   sendico) paths=services/bff/sendico;;
   esac
   : > "$WORK/policy"
   for path in $paths; do printf 'path "kv/data/%s" { capabilities = ["read"] }\n' "$path" >> "$WORK/policy"; done
-  if [ "$service" != nats ]; then printf 'path "database/creds/%s" { capabilities = ["read"] }\n' "$service" >> "$WORK/policy"; fi
+  case "$service" in bff|notifications) printf 'path "database/creds/%s" { capabilities = ["read"] }\n' "$service" >> "$WORK/policy";; esac
   jq -n --rawfile policy "$WORK/policy" '{policy:$policy}' | vault "sys/policies/acl/$service" POST >/dev/null
-  jq -n --arg service "$service" '{token_policies:[$service],token_period:"1h",secret_id_ttl:"0",secret_id_num_uses:0}' | vault "auth/approle/role/$service" POST >/dev/null
+  if [ "$service" = sendico ]; then
+   printf '{"token_policies":["sendico"],"token_ttl":"5m","token_max_ttl":"5m","secret_id_ttl":"0","secret_id_num_uses":0}' | vault "auth/approle/role/$service" POST >/dev/null
+  else
+   jq -n --arg service "$service" '{token_policies:[$service],token_period:"1h",secret_id_ttl:"0",secret_id_num_uses:0}' | vault "auth/approle/role/$service" POST >/dev/null
+  fi
   vault "auth/approle/role/$service/role-id" | jq -r '.data.role_id' | write "$directory/role-id" 444
   if [ ! -f "$directory/secret-id" ]; then
    printf '{}' | vault "auth/approle/role/$service/secret-id" POST | jq -r '.data.secret_id' | write "$directory/secret-id" 444
   fi
-  if ! cmp -s "infra/local/vault/$service.hcl" "$directory/config.hcl"; then
+  if [ "$service" != sendico ] && ! cmp -s "infra/local/vault/$service.hcl" "$directory/config.hcl"; then
    cat "infra/local/vault/$service.hcl" | write "$directory/config.hcl" 444
    if compose ps --status running --services "$service" | grep -qx "$service"; then
     compose up -d --no-deps --force-recreate --wait --wait-timeout 120 "$service"
diff --git a/infra/local/scripts/common.sh b/infra/local/scripts/common.sh
index b147db0..c719756 100644
--- a/infra/local/scripts/common.sh
+++ b/infra/local/scripts/common.sh
@@ -14,7 +14,13 @@ trap cleanup EXIT
 trap 'exit 130' INT
 trap 'exit 143' TERM
 fail() { echo "$*" >&2; exit 1; }
-compose() { docker compose --project-directory . -f infra/local/compose.yml --env-file "$STATE/images.env" "$@"; }
+compose() {
+ if [ -f "$STATE/sendico/settings.env" ]; then
+  docker compose --project-directory . -f infra/local/compose.yml -f infra/local/sendico/compose.yml --env-file "$STATE/images.env" "$@"
+ else
+  docker compose --project-directory . -f infra/local/compose.yml --env-file "$STATE/images.env" "$@"
+ fi
+}
 write() {
  target=$1; mode=${2:-600}
  mkdir -p "$(dirname "$target")"
diff --git a/infra/local/scripts/dispatch.sh b/infra/local/scripts/dispatch.sh
index 1adbd42..32d20cb 100644
--- a/infra/local/scripts/dispatch.sh
+++ b/infra/local/scripts/dispatch.sh
@@ -7,6 +7,7 @@ case "${1:-}" in
  images) . infra/local/scripts/images.sh; images;;
  up) . infra/local/scripts/bootstrap.sh; up;;
  email) . infra/local/scripts/bootstrap.sh; email;;
+ sendico) . infra/local/scripts/bootstrap.sh; . infra/local/scripts/sendico.sh; configure_sendico;;
  verify|verify-infra) . infra/local/scripts/verify.sh; existing; infrastructure; if [ "$1" = verify ]; then product; fi;;
  rotation) . infra/local/scripts/verify.sh; . infra/local/scripts/rotation.sh; existing; rotation;;
  test) sh infra/local/scripts/test.sh;;
diff --git a/infra/local/scripts/sendico.sh b/infra/local/scripts/sendico.sh
new file mode 100644
index 0000000..d5fe3e6
--- /dev/null
+++ b/infra/local/scripts/sendico.sh
@@ -0,0 +1,20 @@
+# Operator input is JSON on stdin. Only credential values are stored in Vault.
+configure_sendico() {
+ existing
+ cat > "$WORK/input"
+ jq -e '
+  (.organization_ref|test("^[0-9a-f]{24}$") and .!="000000000000000000000000") and
+  (.source_account_ref|test("^[0-9a-f]{24}$") and .!="000000000000000000000000") and
+  ([.client_id,.device_id,.login,.password,.client_secret] | all(.[]; type=="string" and test("\\S"))) and
+  ([.client_id,.device_id] | all(.[]; test("^[A-Za-z0-9._-]+$")))
+ ' "$WORK/input" >/dev/null || fail 'Invalid Sendico operator input'
+ jq '{login,password,client_secret}' "$WORK/input" | put services/bff/sendico
+ mkdir -p "$STATE/sendico"
+ jq -r '"SENDICO_ORGANIZATION_REF="+.organization_ref+"\nSENDICO_SOURCE_ACCOUNT_REF="+.source_account_ref+"\nSENDICO_CLIENT_ID="+.client_id+"\nSENDICO_DEVICE_ID="+.device_id' "$WORK/input" | write "$STATE/sendico/settings.env"
+ {
+  cat infra/local/bff/runtime.yml
+  jq -r '"\n  sendico:\n    api_url: http://127.0.0.1:18081/api/v1\n    organization_ref: "+.organization_ref+"\n    source_account_ref: "+.source_account_ref+"\n    token_file: /run/sendico/access-token"' "$WORK/input"
+ } | write "$STATE/sendico/runtime.yml" 644
+ provision_agents
+ echo 'Local Sendico connection configured. Run make up.'
+}
diff --git a/infra/local/scripts/start-service.sh b/infra/local/scripts/start-service.sh
index fb1e6bd..9d391ba 100755
--- a/infra/local/scripts/start-service.sh
+++ b/infra/local/scripts/start-service.sh
@@ -4,4 +4,12 @@ umask 077
 if [ "$SXCHNGE_SERVICE" = notifications ]; then
     exec service -config.file=/etc/sxchnge/notifications.yml
 fi
+if [ "${SXCHNGE_SENDICO_LOCAL:-}" = 1 ]; then
+    attempt=0
+    until [ -s /run/sendico/access-token ] && [ "$(($(date +%s) - $(stat -c %Y /run/sendico/access-token)))" -lt 1500 ]; do
+        attempt=$((attempt+1))
+        [ "$attempt" -lt 120 ] || { echo 'Local Sendico session did not become ready' >&2; exit 1; }
+        sleep 2
+    done
+fi
 exec service -config.file=/etc/sxchnge/bff.yml
diff --git a/infra/local/scripts/test.sh b/infra/local/scripts/test.sh
index ddcede0..0601b48 100644
--- a/infra/local/scripts/test.sh
+++ b/infra/local/scripts/test.sh
@@ -4,6 +4,7 @@ set -o pipefail
 # Shell syntax and static analysis cover the actual container shell scripts.
 shellcheck -s ash -x -S warning infra/local/scripts/dispatch.sh infra/local/scripts/test.sh
 shellcheck -x -S warning infra/local/tools.sh infra/local/scripts/start-service.sh infra/local/mongo/start.sh infra/local/nats/start.sh infra/local/vault/start.sh
+shellcheck -s ash -x -S warning infra/local/sendico/session.sh infra/local/sendico/check.sh
 . infra/local/scripts/common.sh
 . infra/local/scripts/images.sh
 . infra/local/scripts/bootstrap.sh
@@ -93,3 +94,23 @@ retire_secrets
 retire_secrets
 jq -e '.=={"infrastructure/nats/auth":true}' "$WORK/retirement" >/dev/null
 echo 'PASS: obsolete caller secrets retired idempotently; NATS authentication preserved'
+# Local integration configuration keeps credentials out of runtime settings and
+# rejects malformed operator inputs before mutating Vault or service identities.
+. infra/local/scripts/sendico.sh
+STATE="$WORK/sendico-state"; mkdir "$STATE"
+existing() { :; }
+put() { cat > "$WORK/sendico-credentials"; }
+provision_agents() { touch "$WORK/sendico-agents"; }
+printf '{}' > "$WORK/sendico-invalid"
+if (configure_sendico < "$WORK/sendico-invalid") >/dev/null 2>&1; then fail 'Invalid Sendico configuration accepted'; fi
+[ ! -e "$WORK/sendico-credentials" ] || fail 'Invalid Sendico input mutated credentials'
+cat > "$WORK/sendico-input" <<'JSON'
+{"organization_ref":"000000000000000000000001","source_account_ref":"000000000000000000000002","client_id":"fixture.client","device_id":"fixture-device","login":"fixture@example.test","password":"fixture-password","client_secret":"fixture-secret"}
+JSON
+configure_sendico < "$WORK/sendico-input" >/dev/null
+jq -e 'keys==["client_secret","login","password"]' "$WORK/sendico-credentials" >/dev/null
+[ -f "$WORK/sendico-agents" ] || fail 'Sendico identity was not provisioned'
+if grep -Eq 'fixture-secret|fixture-password|fixture@example' "$STATE/sendico/settings.env" "$STATE/sendico/runtime.yml"; then fail 'Credential leaked into runtime configuration'; fi
+grep -q 'source_account_ref: 000000000000000000000002' "$STATE/sendico/runtime.yml"
+grep -q 'api_url: http://127.0.0.1:18081/api/v1' "$STATE/sendico/runtime.yml"
+echo 'PASS: Sendico operator input validation, secret separation and local runtime configuration'
diff --git a/infra/local/scripts/verify.sh b/infra/local/scripts/verify.sh
index 7aaf702..ebb43f0 100644
--- a/infra/local/scripts/verify.sh
+++ b/infra/local/scripts/verify.sh
@@ -2,11 +2,16 @@ policies() (
  root_token=$VAULT_TOKEN
  identity=''
  trap 'if [ -n "$identity" ]; then printf "{}" | VAULT_TOKEN=$identity vault auth/token/revoke-self POST >/dev/null; fi' EXIT
- for service in bff notifications nats; do
+ services='bff notifications nats'
+ if [ -f "$STATE/sendico/settings.env" ]; then services="$services sendico"; fi
+ for service in $services; do
   directory="$STATE/agents/$service"
   login=$(jq -n --rawfile role "$directory/role-id" --rawfile secret "$directory/secret-id" '{role_id:($role|rtrimstr("\n")),secret_id:($secret|rtrimstr("\n"))}' | vault auth/approle/login POST)
   identity=$(printf '%s' "$login" | jq -er '.auth.client_token')
   printf '%s' "$login" | jq '{token:.auth.client_token,paths:["kv/data/bootstrap/mongo","kv/data/infrastructure/mongo/bootstrap","sys/init","kv/data/bff","kv/data/caller","kv/data/services/notifications/callers/bff","kv/data/email","kv/data/nats","kv/data/tls"]}' | vault sys/capabilities POST | jq -e '.data | all(.[]; .==["deny"])' >/dev/null || fail 'Service can access bootstrap credentials'
+  if [ "$service" = sendico ]; then
+   printf '%s' "$login" | jq '{token:.auth.client_token,paths:["database/creds/bff","database/creds/notifications","kv/data/services/bff/jwt","kv/data/infrastructure/nats/auth"]}' | vault sys/capabilities POST | jq -e '.data | all(.[]; .==["deny"])' >/dev/null || fail 'Sendico session identity has unrelated secret access'
+  fi
   VAULT_TOKEN=$(printf '%s' "$login" | jq -er '.auth.client_token')
   printf '{}' | vault auth/token/revoke-self POST >/dev/null
   VAULT_TOKEN=$root_token
@@ -44,12 +49,18 @@ infrastructure() {
 # Resolve through Docker DNS while verifying the certificate for localhost.
 https() { curl -sS --max-time 5 --cacert "$STATE/ca.pem" --connect-to localhost:5126:frontend:8443 "$@"; }
 product() {
- compose ps --format json | jq -se 'length==6 and all(.[];.Health=="healthy")' >/dev/null || fail 'Expected six healthy services'
+ expected=6
+ if [ -f "$STATE/sendico/settings.env" ]; then expected=7; fi
+ compose ps --format json | jq -se --argjson expected "$expected" 'length==$expected and all(.[];.Health=="healthy")' >/dev/null || fail "Expected $expected healthy services"
  https -f https://localhost:5126/ >/dev/null
  https -f https://localhost:5126/api/v1/health >/dev/null
- echo 'PASS: six healthy services, frontend and proxied BFF use verified TLS; no email sent'
+ if [ "$expected" = 7 ]; then compose exec -T sendico sh /etc/sendico/check.sh; fi
+ echo "PASS: $expected healthy services, frontend and proxied BFF use verified TLS; no email sent"
 }
 layout() {
+ if [ -f "$STATE/sendico/settings.env" ]; then
+  kv services/bff/sendico | jq -e 'keys==["client_secret","login","password"]' >/dev/null || fail 'Sendico secret contains non-secret configuration'
+ fi
  kv services/notifications/email/resend | jq -e 'keys==["api_key"]' >/dev/null || fail 'Non-secret email configuration remains in Vault'
  for old in bootstrap/mongo bff caller services/notifications/callers/bff email nats tls frontend-tls notifications-tls; do
   [ "$(vault "kv/metadata/$old" GET yes)" = null ] || fail "Obsolete KV entry remains: $old"
diff --git a/infra/local/sendico/check.sh b/infra/local/sendico/check.sh
new file mode 100644
index 0000000..ce91ac0
--- /dev/null
+++ b/infra/local/sendico/check.sh
@@ -0,0 +1,11 @@
+#!/bin/sh
+set -eu
+umask 077
+check=$(mktemp -d /private/check.XXXXXX)
+trap 'rm -rf "$check"' EXIT
+printf 'Authorization: Bearer %s\n' "$(cat /run/sendico/access-token)" > "$check/header"
+for path in "payments/fx/currencies/$SENDICO_ORGANIZATION_REF" "ledger_accounts/$SENDICO_ORGANIZATION_REF"; do
+ curl -fsS --max-time 15 -H "@$check/header" "http://127.0.0.1:18081/api/v1/$path" > "$check/response" 2>/dev/null || { echo 'Local Sendico authenticated API check failed' >&2; exit 1; }
+ jq -e '.status=="success"' "$check/response" >/dev/null
+done
+echo 'PASS: local Sendico authenticated currency and ledger APIs are accessible'
diff --git a/infra/local/sendico/compose.yml b/infra/local/sendico/compose.yml
new file mode 100644
index 0000000..9f96ad8
--- /dev/null
+++ b/infra/local/sendico/compose.yml
@@ -0,0 +1,30 @@
+# Enabled by make sendico; settings contain no credentials.
+services:
+  bff:
+    environment:
+      SXCHNGE_SENDICO_LOCAL: '1'
+    volumes:
+      - ./.local/dev/sendico/runtime.yml:/etc/sxchnge/bff.yml:ro
+      - sendico-session:/run/sendico:ro
+
+  sendico:
+    image: sxchnge-local/tools:dev
+    restart: unless-stopped
+    # Keep the adapter's loopback-only HTTP rule; forward to the public stand API.
+    network_mode: service:bff
+    entrypoint: [/bin/sh, /etc/sendico/session.sh]
+    env_file: ./.local/dev/sendico/settings.env
+    volumes:
+      - ./infra/local/sendico/session.sh:/etc/sendico/session.sh:ro
+      - ./infra/local/sendico/check.sh:/etc/sendico/check.sh:ro
+      - ./.local/dev/agents/sendico:/etc/agent:ro
+      - sendico-session:/run/sendico
+    tmpfs: [/private:mode=0700]
+    healthcheck:
+      test: [CMD-SHELL, 'test -f /private/ready && test $$(($$(date +%s) - $$(stat -c %Y /private/ready))) -lt 1500 && curl -fsS --max-time 2 http://127.0.0.1:18081/api/v1/health >/dev/null']
+      interval: 10s
+      timeout: 3s
+      retries: 30
+
+volumes:
+  sendico-session:
diff --git a/infra/local/sendico/session.sh b/infra/local/sendico/session.sh
new file mode 100644
index 0000000..1dd34ed
--- /dev/null
+++ b/infra/local/sendico/session.sh
@@ -0,0 +1,45 @@
+#!/bin/sh
+set -eu
+umask 077
+mkdir -p /private /run/sendico
+chmod 755 /run/sendico
+cd /private
+socat TCP4-LISTEN:18081,bind=127.0.0.1,reuseaddr,fork TCP4:host.docker.internal:8080 &
+bridge=$!
+trap 'kill "$bridge" 2>/dev/null || true' EXIT
+trap 'exit 0' INT TERM
+
+session() {
+ jq -n --rawfile role /etc/agent/role-id --rawfile secret /etc/agent/secret-id \
+  '{role_id:($role|rtrimstr("\n")),secret_id:($secret|rtrimstr("\n"))}' > login.json
+ curl -fsS --max-time 15 -H 'Content-Type: application/json' --data-binary @login.json \
+  http://vault:8200/v1/auth/approle/login > vault.json 2>/dev/null || return 1
+ jq -er '"X-Vault-Token: "+.auth.client_token' vault.json > vault.header || return 1
+ curl -fsS --max-time 15 -H @vault.header http://vault:8200/v1/kv/data/services/bff/sendico > credentials.json 2>/dev/null || return 1
+ jq -e --arg client "$SENDICO_CLIENT_ID" --arg device "$SENDICO_DEVICE_ID" \
+  '.data.data | {login:{login,password},clientSecret:.client_secret,clientId:$client,deviceId:$device}' credentials.json > request.json || return 1
+ curl -fsS --max-time 15 -H @vault.header -X POST http://vault:8200/v1/auth/token/revoke-self >/dev/null 2>&1 || return 1
+ rm -f vault.header vault.json credentials.json login.json
+ curl -fsS --max-time 20 -H 'Content-Type: application/json' --data-binary @request.json \
+  http://127.0.0.1:18081/api/v1/accounts/login/api > response.json 2>/dev/null || return 1
+ rm -f request.json
+ jq -er '.data.accessToken.token' response.json > token 2>/dev/null || return 1
+ jq -e --arg source "$SENDICO_SOURCE_ACCOUNT_REF" \
+  '.data.accessToken.token | split(".")[1] | gsub("-";"+") | gsub("_";"/") | @base64d | fromjson | .id==$source and .pending!=true and .exp>(now+1500)' response.json >/dev/null 2>&1 || return 1
+ cp token /run/sendico/access-token.new
+ chmod 444 /run/sendico/access-token.new
+ mv /run/sendico/access-token.new /run/sendico/access-token
+ rm -f token response.json
+ touch ready
+}
+
+while :; do
+ if session; then
+  echo 'Local Sendico session ready; next renewal in 20 minutes.'
+  sleep 1200 & wait $!
+ else
+  echo 'Local Sendico session unavailable; check stand health and integration credentials. Retrying in 5 minutes.' >&2
+  rm -f request.json response.json token vault.header vault.json credentials.json login.json
+  sleep 300 & wait $!
+ fi
+done