diff --git a/docs/ux/exchange-workspace.md b/docs/ux/exchange-workspace.md
index f828190..10c6a48 100644
--- a/docs/ux/exchange-workspace.md
+++ b/docs/ux/exchange-workspace.md
@@ -302,6 +302,31 @@ that contradicts displayed balances or usage without explaining the fixtures.
 - Keep unrelated accounts/history accessible during a pending operation. Do not
   block the whole product behind an exchange spinner.
 
+## Empty currency accounts (task #66)
+
+The shared empty-account message used on Accounts and transfer screens explains
+that no currency accounts have been set up and directs the customer to support
+to request setup. English and Russian no longer suggest that refreshing creates
+accounts or imply that automatic provisioning is underway. This follows the
+existing support guidance for missing funding and payout setup. The application
+has no configured support contact channel; the message therefore provides text
+guidance without a nonfunctional contact button or invented contact details.
+
+UX review: the copy names the missing resource and the next step, retains the
+existing wrapping text and accessible reading order, and does not alter loading,
+error or populated-state behavior. Existing manual refresh remains available for
+accounts provisioned externally. This copy-only change adds no controls or
+journey outcomes and requires no new analytics events. Existing transaction
+journey signals and their production measurement limitations below still apply;
+support resolution and external account provisioning are not measured in-app.
+
+Validation: `flutter gen-l10n`, `flutter analyze` in `frontend/app`,
+`make test-frontend` (217 tests), and `git diff --check` passed. No Dart source
+changed, so Dart formatting was not applicable. Existing responsive workspace
+tests cover Russian at 320px with enlarged text; this copy-only change does not
+add a dedicated empty-state rendering or native screen-reader test. No security
+scan was requested. Delivery is recorded in task #66 and its pull request.
+
 ## Journey measurement plan
 
 Reuse the typed analytics abstraction and maintain a separate journey per active
diff --git a/frontend/app/lib/l10n/en.arb b/frontend/app/lib/l10n/en.arb
index 11fac1d..bd9bddd 100644
--- a/frontend/app/lib/l10n/en.arb
+++ b/frontend/app/lib/l10n/en.arb
@@ -160,7 +160,7 @@
   "wRecent": "Recent activity",
   "wSeeAll": "See all",
   "wEmptyActivity": "Your next move starts here. Your transactions will appear below.",
-  "wEmptyAccounts": "Your accounts are not ready yet. Try refreshing.",
+  "wEmptyAccounts": "No currency accounts have been set up for you yet. Contact support to request account setup.",
   "wRefresh": "Refresh",
   "wSource": "From account",
   "wDestination": "To account",
diff --git a/frontend/app/lib/l10n/ru.arb b/frontend/app/lib/l10n/ru.arb
index 2535b62..30b7c8c 100644
--- a/frontend/app/lib/l10n/ru.arb
+++ b/frontend/app/lib/l10n/ru.arb
@@ -160,7 +160,7 @@
   "wRecent": "Последние операции",
   "wSeeAll": "Смотреть все",
   "wEmptyActivity": "Ваш следующий шаг начинается здесь. Здесь появятся ваши операции.",
-  "wEmptyAccounts": "Ваши счета ещё не готовы. Попробуйте обновить страницу.",
+  "wEmptyAccounts": "У вас ещё нет валютных счетов. Обратитесь в поддержку за помощью с их открытием.",
   "wRefresh": "Обновить",
   "wSource": "Со счёта",
   "wDestination": "На счёт",