diff --git a/app/build.gradle.kts b/app/build.gradle.kts
index 6198983ef9..b3f1b5128c 100644
--- a/app/build.gradle.kts
+++ b/app/build.gradle.kts
@@ -81,6 +81,8 @@ val e2eHomegateUrlEnv = providers.environmentVariable("E2E_HOMEGATE_URL")
     .orElse(e2eLocalHostEnv.map { "http://$it:6288" })
 val e2eHomeserverPubkyEnv = providers.environmentVariable("E2E_HOMESERVER_PUBKY").orElse("")
 val e2eHomegateOverrideEnv = providers.environmentVariable("E2E_HOMEGATE_URL").orElse("")
+val pubkySwapsRoutesEnv = envFlag("PUBKY_SWAPS_ROUTES", default = false)
+val pubkySwapsProvidersEnv = providers.environmentVariable("PUBKY_SWAPS_PROVIDERS").orElse("")
 val paykitUiDisabledEnv = envFlag("PAYKIT_UI_DISABLED", default = false)
 val trezorBridgeEnv = localProp("TREZOR_BRIDGE").map { it.toBoolean().toString() }.orElse("false")
 val trezorBridgeUrlEnv = localProp("TREZOR_BRIDGE_URL").orElse("http://10.0.2.2:21325")
@@ -362,6 +364,8 @@ androidComponents {
         buildConfigFields.put("E2E_HOMEGATE_URL", e2eHomegateUrlEnv.stringField())
         buildConfigFields.put("E2E_HOMESERVER_PUBKY", e2eHomeserverPubkyEnv.stringField())
         buildConfigFields.put("E2E_HOMEGATE_OVERRIDE", e2eHomegateOverrideEnv.stringField())
+        buildConfigFields.put("PUBKY_SWAPS_ROUTES", pubkySwapsRoutesEnv.booleanField())
+        buildConfigFields.put("PUBKY_SWAPS_PROVIDERS", pubkySwapsProvidersEnv.stringField())
         for (key in listOf("E2E_VSS_SERVER_URL", "E2E_LNURL_AUTH_SERVER_URL", "E2E_BLOCKTANK_API_URL")) {
             val value = if (variant.buildType == "debug") localProp(key).orElse("") else provider { "" }
             buildConfigFields.put(key, value.stringField())
diff --git a/app/src/main/java/to/bitkit/env/Env.kt b/app/src/main/java/to/bitkit/env/Env.kt
index 83a1ed564f..8555ab0d36 100644
--- a/app/src/main/java/to/bitkit/env/Env.kt
+++ b/app/src/main/java/to/bitkit/env/Env.kt
@@ -54,6 +54,17 @@ internal object Env {
      */
     val isSwapSupported get() = network == Network.BITCOIN
 
+    /**
+     * Whether a Paykit payment may route through a Pubky Swaps provider when no balance reaches the contact's
+     * endpoints. Regtest debug builds with `PUBKY_SWAPS_ROUTES=true` only.
+     */
+    val isPubkySwapsRouteEnabled: Boolean
+        get() = isDebug && network == Network.REGTEST && BuildConfig.PUBKY_SWAPS_ROUTES
+
+    /** Swap providers to ask besides the user's contacts, from `PUBKY_SWAPS_PROVIDERS` (comma-separated pubkys). */
+    val pubkySwapsProviders: List<String>
+        get() = BuildConfig.PUBKY_SWAPS_PROVIDERS.split(',').map { it.trim() }.filter { it.isNotEmpty() }
+
     const val fxRateRefreshInterval = 2 * 60 * 1000L // 2 minutes in millis
     const val fxRateStaleThreshold = 10 * 60 * 1000L // 10 minutes in millis
     const val lspOrdersRefreshInterval = 2 * 60 * 1000L // 2 minutes in millis
diff --git a/app/src/main/java/to/bitkit/repositories/PubkySwapsRouteRepo.kt b/app/src/main/java/to/bitkit/repositories/PubkySwapsRouteRepo.kt
new file mode 100644
index 0000000000..d72db02079
--- /dev/null
+++ b/app/src/main/java/to/bitkit/repositories/PubkySwapsRouteRepo.kt
@@ -0,0 +1,133 @@
+package to.bitkit.repositories
+
+import com.synonym.bitkitcore.PaykitEndpoint
+import com.synonym.bitkitcore.PaykitRoute
+import com.synonym.bitkitcore.PaykitRouteRequest
+import com.synonym.bitkitcore.PubkySwapRoutePayment
+import com.synonym.bitkitcore.PubkySwapRouteState
+import com.synonym.bitkitcore.ServiceRouteLeg
+import com.synonym.bitkitcore.pubkySwapsAdvance
+import com.synonym.bitkitcore.pubkySwapsCommitRoute
+import com.synonym.bitkitcore.pubkySwapsRestore
+import com.synonym.bitkitcore.pubkySwapsRoutePaykitPayment
+import kotlinx.coroutines.CoroutineDispatcher
+import kotlinx.coroutines.delay
+import kotlinx.coroutines.withContext
+import to.bitkit.data.keychain.Keychain
+import to.bitkit.di.IoDispatcher
+import to.bitkit.env.Env
+import to.bitkit.ext.nowMillis
+import to.bitkit.ext.runSuspendCatching
+import to.bitkit.models.PubkyProfile
+import to.bitkit.models.PubkyPublicKeyFormat
+import to.bitkit.models.toCoreNetwork
+import to.bitkit.utils.AppError
+import to.bitkit.utils.Logger
+import to.bitkit.utils.ServiceError
+import javax.inject.Inject
+import javax.inject.Singleton
+import kotlin.time.Duration
+import kotlin.time.Duration.Companion.minutes
+import kotlin.time.Duration.Companion.seconds
+
+/**
+ * Routes a Paykit payment through a Pubky Swaps provider when no balance the wallet holds reaches an endpoint the
+ * contact published. bitkit-core picks the provider and checks its quote, contract and hold invoice; the wallet pays
+ * the hold invoice from spending and bitkit-core claims the provider's lockup straight to the contact's address.
+ */
+@Singleton
+class PubkySwapsRouteRepo @Inject constructor(
+    @IoDispatcher private val ioDispatcher: CoroutineDispatcher,
+    private val keychain: Keychain,
+    private val pubkyRepo: PubkyRepo,
+    private val lightningRepo: LightningRepo,
+) {
+    companion object {
+        private const val TAG = "PubkySwapsRouteRepo"
+        private const val CLAIM_FEE_RATE_SAT_VB = 2uL
+        private val POLL_INTERVAL = 2.seconds
+        private val CLAIM_TIMEOUT = 10.minutes
+    }
+
+    val isEnabled: Boolean get() = Env.isPubkySwapsRouteEnabled
+
+    /** The contact behind a provider's pubky, so the review shows who routes the payment. */
+    fun providerContact(pubky: String): PubkyProfile? =
+        pubkyRepo.contacts.value.firstOrNull { PubkyPublicKeyFormat.matches(it.publicKey, pubky) }
+
+    suspend fun route(
+        amountSats: ULong,
+        endpoints: List<PaykitEndpoint>,
+        lightningSpendableSats: ULong,
+        onchainSpendableSats: ULong,
+        serviceLegs: List<ServiceRouteLeg> = emptyList(),
+    ): Result<PaykitRoute> = withSecrets { mnemonic, passphrase ->
+        val candidates = candidates()
+        Logger.debug("Routing Paykit payment via '${candidates.map(PubkyPublicKeyFormat::redacted)}'", context = TAG)
+        pubkySwapsRoutePaykitPayment(
+            request = PaykitRouteRequest(
+                amountSat = amountSats,
+                contactEndpoints = endpoints,
+                lightningSpendableSat = lightningSpendableSats,
+                onchainSpendableSat = onchainSpendableSats,
+                providers = candidates,
+                feeRateSatVb = CLAIM_FEE_RATE_SAT_VB,
+                serviceLegs = serviceLegs,
+            ),
+            network = Env.network.toCoreNetwork(),
+            mnemonic = mnemonic,
+            bip39Passphrase = passphrase,
+        )
+    }
+
+    /**
+     * Rebuilds the swaps this wallet started from each provider's listing, after a restore from the seed. The listing
+     * does not carry the contact's address, so a restored swap claims to a fresh Savings address. Returns the swap ids.
+     */
+    suspend fun restoreSwaps(): Result<List<String>> = withSecrets { mnemonic, passphrase ->
+        val payoutAddress = lightningRepo.newAddress().getOrThrow()
+        pubkySwapsRestore(
+            providers = candidates(),
+            electrumUrl = Env.electrumServerUrl,
+            payoutAddress = payoutAddress,
+            feeRateSatVb = CLAIM_FEE_RATE_SAT_VB,
+            network = Env.network.toCoreNetwork(),
+            mnemonic = mnemonic,
+            bip39Passphrase = passphrase,
+        )
+    }
+
+    /** Providers come from the user's own graph: every contact is asked for its swap offer. */
+    private fun candidates(): List<String> = pubkyRepo.contacts.value.map { it.publicKey } + Env.pubkySwapsProviders
+
+    suspend fun commit(quoteId: String): Result<PubkySwapRoutePayment> = withSecrets { mnemonic, passphrase ->
+        pubkySwapsCommitRoute(quoteId, Env.electrumServerUrl, mnemonic, passphrase)
+    }
+
+    /** Advance the swap until bitkit-core claims the lockup to the contact, returning the claim txid. */
+    suspend fun awaitClaim(swapId: String, timeout: Duration = CLAIM_TIMEOUT): Result<String> {
+        val deadline = nowMillis() + timeout.inWholeMilliseconds
+        while (true) {
+            val status = withSecrets { mnemonic, passphrase -> pubkySwapsAdvance(swapId, mnemonic, passphrase) }
+                .getOrElse { return Result.failure(it) }
+            when (val state = status.state) {
+                is PubkySwapRouteState.Claimed -> return Result.success(state.txid)
+                is PubkySwapRouteState.Failed -> return Result.failure(AppError(state.reason))
+                else -> Logger.debug("Pubky Swaps route '$swapId': $state", context = TAG)
+            }
+            if (nowMillis() > deadline) {
+                return Result.failure(AppError("Swap '$swapId' not claimed yet: '${status.state}'"))
+            }
+            delay(POLL_INTERVAL)
+        }
+    }
+
+    private suspend fun <T> withSecrets(block: suspend (String, String?) -> T): Result<T> = withContext(ioDispatcher) {
+        runSuspendCatching {
+            val mnemonic = keychain.loadString(Keychain.Key.BIP39_MNEMONIC.name)
+                ?: throw ServiceError.MnemonicNotFound()
+            val passphrase = keychain.loadString(Keychain.Key.BIP39_PASSPHRASE.name)
+            block(mnemonic, passphrase)
+        }
+    }
+}
diff --git a/app/src/main/java/to/bitkit/ui/screens/wallets/send/SendConfirmScreen.kt b/app/src/main/java/to/bitkit/ui/screens/wallets/send/SendConfirmScreen.kt
index be4d81f02d..be3776bf1c 100644
--- a/app/src/main/java/to/bitkit/ui/screens/wallets/send/SendConfirmScreen.kt
+++ b/app/src/main/java/to/bitkit/ui/screens/wallets/send/SendConfirmScreen.kt
@@ -58,6 +58,7 @@ import kotlinx.coroutines.flow.filterNotNull
 import kotlinx.coroutines.launch
 import to.bitkit.R
 import to.bitkit.ext.commentAllowed
+import to.bitkit.ext.ellipsisMiddle
 import to.bitkit.ext.formatInvoiceExpiryRelative
 import to.bitkit.models.FeeRate
 import to.bitkit.models.PaykitAsset
@@ -107,6 +108,9 @@ import kotlin.time.Duration.Companion.milliseconds
 import kotlin.time.Duration.Companion.seconds
 
 private val EXPIRY_REFRESH_INTERVAL = 60.seconds
+
+/** Characters of a swap provider's pubky shown on the confirm screen. */
+private const val PROVIDER_KEY_LENGTH = 12
 const val SEND_CONFIRM_RESET_RESULT_KEY = "SEND_CONFIRM_RESET_RESULT_KEY"
 
 @Composable
@@ -873,6 +877,19 @@ private fun LightningDetails(
             }
         }
 
+        uiState.paykitSwapRoute?.let { route ->
+            val quote = route.quote ?: return@let
+            val provider = route.providerName?.takeIf { it.isNotBlank() }
+                ?: quote.providerPubky.ellipsisMiddle(PROVIDER_KEY_LENGTH)
+            SendCell(caption = stringResource(R.string.wallet__send_swap_route)) {
+                BodySSB(
+                    text = stringResource(R.string.wallet__send_swap_route_provider, provider),
+                    maxLines = 1,
+                    modifier = Modifier.testTag("ReviewSwapRoute")
+                )
+            }
+        }
+
         if (!isLnurlPay && !description.isNullOrEmpty() && description.trim() != uiState.confirmationRequestNote) {
             SendCell(caption = stringResource(R.string.wallet__note)) {
                 Row(modifier = Modifier.horizontalScroll(rememberScrollState())) {
diff --git a/app/src/main/java/to/bitkit/viewmodels/AppViewModel.kt b/app/src/main/java/to/bitkit/viewmodels/AppViewModel.kt
index ebbc027624..2c3785fd6f 100644
--- a/app/src/main/java/to/bitkit/viewmodels/AppViewModel.kt
+++ b/app/src/main/java/to/bitkit/viewmodels/AppViewModel.kt
@@ -27,7 +27,10 @@ import com.synonym.bitkitcore.LnurlChannelData
 import com.synonym.bitkitcore.LnurlPayData
 import com.synonym.bitkitcore.LnurlWithdrawData
 import com.synonym.bitkitcore.OnChainInvoice
+import com.synonym.bitkitcore.PaykitEndpoint
+import com.synonym.bitkitcore.PaykitRoute
 import com.synonym.bitkitcore.PaymentType
+import com.synonym.bitkitcore.PubkySwapRouteQuote
 import com.synonym.bitkitcore.Scanner
 import com.synonym.bitkitcore.SortDirection
 import com.synonym.bitkitcore.UsdtQuote
@@ -214,6 +217,7 @@ import to.bitkit.repositories.PrivatePaykitRepo
 import to.bitkit.repositories.PubkyIdentityReadiness
 import to.bitkit.repositories.PubkyRepo
 import to.bitkit.repositories.PubkySignIn
+import to.bitkit.repositories.PubkySwapsRouteRepo
 import to.bitkit.repositories.PublicPaykitPaymentResult
 import to.bitkit.repositories.PublicPaykitRepo
 import to.bitkit.repositories.QuickPayPaymentFailedError
@@ -316,6 +320,7 @@ class AppViewModel @Inject constructor(
     private val paykitPaymentRequestDiagnostics: PaykitPaymentRequestDiagnostics,
     private val refreshContactPaykitLink: RefreshContactPaykitLinkUseCase,
     private val usdtRepo: UsdtRepo,
+    private val pubkySwapsRouteRepo: PubkySwapsRouteRepo,
     val paykitUsdtPayments: PaykitUsdtPaymentRepo,
     private val samRockRepo: SamRockRepo,
     private val appUpdateSheet: AppUpdateTimedSheet,
@@ -3931,14 +3936,20 @@ class AppViewModel @Inject constructor(
         val canUseOnchain = address.isNotEmpty() &&
             walletRepo.balanceState.value.maxSendOnchainSats > Defaults.dustLimit.toULong()
         val useUsdt = recipient != null && prefersUsdt(payment, hasBitcoinEndpoint, canUseLightning || canUseOnchain)
-        val payMethod = paykitBitcoinMethod(canUseLightning, address, invoice, lnurl)
+        val swapRoute = paykitSwapRoute(payment, address, canUseLightning || canUseOnchain || useUsdt)
+        val payMethod = if (swapRoute != null) {
+            SendMethod.LIGHTNING
+        } else {
+            paykitBitcoinMethod(canUseLightning, address, invoice, lnurl)
+        }
         _sendUiState.update {
             it.copy(
                 address = address, addressInput = address, isAddressInputValid = address.isNotEmpty(),
                 decodedInvoice = invoice, lnurl = lnurl, paykitUsesUsdt = useUsdt, usdtRecipient = recipient,
                 amount = invoice?.amountSatoshis?.takeIf { payMethod == SendMethod.LIGHTNING } ?: 0u,
                 paykitAmount = "",
-                payMethod = payMethod
+                payMethod = payMethod,
+                paykitSwapRoute = swapRoute,
             )
         }
         if (usdtRepo.shouldRefresh(isUsdtEnabled.value)) usdtRepo.refresh(history = false)
@@ -4071,6 +4082,22 @@ class AppViewModel @Inject constructor(
         return !canUseBitcoin && balance > 0u
     }
 
+    /**
+     * A contact whose only reachable endpoint is on-chain, paid from spending when savings cannot cover it: bitkit-core
+     * routes it through a Pubky Swaps provider. Incoming requests keep their own proof flow and are never swap-routed.
+     */
+    private fun paykitSwapRoute(
+        payment: ContactPaymentContext,
+        address: String,
+        canPayDirectly: Boolean,
+    ): PaykitSwapRouteUi? {
+        if (!pubkySwapsRouteRepo.isEnabled || canPayDirectly || address.isEmpty()) return null
+        if (payment.incomingPaymentRequest != null) return null
+        if (walletRepo.balanceState.value.maxSendLightningSats == 0uL) return null
+        val methodId = payment.endpoints.firstOrNull { it.methodId.isOnchain }?.methodId ?: return null
+        return PaykitSwapRouteUi(endpoint = PaykitEndpoint(methodId = methodId.rawValue, value = address))
+    }
+
     private fun canFundPaykitLightning(invoice: LightningInvoice?, lnurl: LnurlParams.LnurlPay?): Boolean {
         if (invoice == null && lnurl == null) return false
         val amount = invoice?.amountSatoshis?.coerceAtLeast(1u) ?: lnurl?.data?.minSendableSat() ?: 1u
@@ -4460,6 +4487,10 @@ class AppViewModel @Inject constructor(
             setSendEffect(SendEffect.NavigateToWithdrawConfirm)
             return
         }
+        _sendUiState.value.paykitSwapRoute?.let {
+            if (quotePaykitSwapRoute(it)) setSendEffect(SendEffect.NavigateToConfirm)
+            return
+        }
 
         _sendUiState.update { it.copy(isLoading = true) }
         try {
@@ -4474,6 +4505,52 @@ class AppViewModel @Inject constructor(
         setSendEffect(SendEffect.NavigateToConfirm)
     }
 
+    private suspend fun quotePaykitSwapRoute(route: PaykitSwapRouteUi): Boolean {
+        _sendUiState.update { it.copy(isLoading = true) }
+        val balances = walletRepo.balanceState.value
+        val result = pubkySwapsRouteRepo.route(
+            amountSats = _sendUiState.value.amount,
+            endpoints = listOf(route.endpoint),
+            lightningSpendableSats = maxSendableLightningSats(),
+            onchainSpendableSats = balances.maxSendOnchainSats,
+        )
+        _sendUiState.update { it.copy(isLoading = false) }
+        val paykitRoute = result.getOrElse {
+            Logger.error("Failed to route Paykit payment through Pubky Swaps", it, context = TAG)
+            toast(it)
+            return false
+        }
+        val quote = when (paykitRoute) {
+            is PaykitRoute.Swap -> paykitRoute.quote
+            is PaykitRoute.None -> {
+                toast(AppError(paykitRoute.reason))
+                return false
+            }
+            // No service legs are passed in yet, so the router cannot pick one.
+            is PaykitRoute.Service -> {
+                Logger.error("Unexpected service route '${paykitRoute.leg.service}'", context = TAG)
+                toast(AppError(context.getString(R.string.common__error_body)))
+                return false
+            }
+            // Balances changed after the contact opened: the regular flow must reopen it.
+            is PaykitRoute.Direct -> {
+                _sendUiState.update { it.copy(paykitSwapRoute = null) }
+                toast(AppError(context.getString(R.string.common__error_body)))
+                return false
+            }
+        }
+        _sendUiState.update {
+            it.copy(
+                paykitSwapRoute = route.copy(
+                    quote = quote,
+                    providerName = pubkySwapsRouteRepo.providerContact(quote.providerPubky)?.name,
+                ),
+                lightningFeeSats = quote.totalFeeSat.toLong(),
+            )
+        }
+        return true
+    }
+
     private suspend fun reviewPaykitAmount(navigateToUsdtReview: Boolean = true): Boolean {
         val paykit = synchronized(contactPaymentContextLock) { activeContactPaymentContext }
         if (paykit == null || paykit.endpoints.isEmpty()) return true
@@ -4749,7 +4826,10 @@ class AppViewModel @Inject constructor(
         resetQuickPay()
 
         val fromMainScanner = isMainScanner
-        if (contactPaymentContext != null && requiresPaykitAssetSelection(contactPaymentContext)) {
+        if (
+            contactPaymentContext != null &&
+            (requiresPaykitAssetSelection(contactPaymentContext) || requiresPaykitSwapRoute(contactPaymentContext))
+        ) {
             openPaykitContactPayment(contactPaymentContext, fromMainScanner, suppressQuickPay, walletGeneration)
             return@withContext
         }
@@ -4875,6 +4955,13 @@ class AppViewModel @Inject constructor(
         }
     }
 
+    private fun requiresPaykitSwapRoute(payment: ContactPaymentContext): Boolean {
+        if (!pubkySwapsRouteRepo.isEnabled || payment.incomingPaymentRequest != null) return false
+        if (payment.endpoints.isEmpty() || !payment.endpoints.all { it.methodId.isOnchain }) return false
+        val balances = walletRepo.balanceState.value
+        return balances.maxSendOnchainSats <= Defaults.dustLimit.toULong() && balances.maxSendLightningSats > 0uL
+    }
+
     private fun requiresPaykitAssetSelection(payment: ContactPaymentContext): Boolean =
         payment.endpoints.isNotEmpty() && (
             payment.endpoints.any { it.methodId == MethodId.UsdtArbitrum } ||
@@ -6108,6 +6195,11 @@ class AppViewModel @Inject constructor(
             return
         }
 
+        _sendUiState.value.paykitSwapRoute?.quote?.let {
+            proceedWithSwapRoutedPayment(it, contactPaymentContext, allowanceAttemptId)
+            return
+        }
+
         when (_sendUiState.value.payMethod) {
             SendMethod.ONCHAIN -> proceedWithOnchainPayment(
                 incomingPaymentRequest,
@@ -6482,6 +6574,42 @@ class AppViewModel @Inject constructor(
         )
     }
 
+    private suspend fun proceedWithSwapRoutedPayment(
+        quote: PubkySwapRouteQuote,
+        contactPaymentContext: ContactPaymentContext?,
+        allowanceAttemptId: String?,
+    ) {
+        val payment = pubkySwapsRouteRepo.commit(quote.quoteId).getOrElse {
+            releasePrivatePaymentListIfNeeded(contactPaymentContext)
+            finishManualAllowancePayment(allowanceAttemptId, succeeded = false)
+            handlePaymentPreparationFailure(it, contactPaymentContext)
+            return
+        }
+        Logger.info("Committed Pubky Swaps route '${payment.swapId}' to '${payment.destinationAddress}'", context = TAG)
+        // The hold invoice settles only after the claim reveals the preimage, so its payment stays pending until then.
+        lightningRepo.payInvoice(payment.invoice).getOrElse {
+            releasePrivatePaymentListIfNeeded(contactPaymentContext)
+            finishManualAllowancePayment(allowanceAttemptId, succeeded = false)
+            handlePaymentPreparationFailure(it, contactPaymentContext)
+            return
+        }
+        val claimTxid = pubkySwapsRouteRepo.awaitClaim(payment.swapId).getOrElse {
+            finishManualAllowancePayment(allowanceAttemptId, succeeded = false)
+            handlePaymentPreparationFailure(it, contactPaymentContext)
+            return
+        }
+        finishManualAllowancePayment(allowanceAttemptId, succeeded = true)
+        Logger.info("Claimed Pubky Swaps route '${payment.swapId}' in '$claimTxid'", context = TAG)
+        onSendSuccess(
+            NewTransactionSheetDetails(
+                type = NewTransactionSheetType.ONCHAIN,
+                direction = NewTransactionSheetDirection.SENT,
+                paymentHashOrTxId = claimTxid,
+                sats = payment.deliveredSat.toLong(),
+            ),
+        )
+    }
+
     private suspend fun proceedWithLightningPayment(
         incomingPaymentRequest: PaykitPaymentRequest?,
         preparedPaymentProofRequest: PaykitPaymentRequest?,
@@ -8860,6 +8988,7 @@ data class SendUiState(
     val requiresAmountReview: Boolean = false,
     val initialSubscriptionPaymentNeedsConfirmation: Boolean = false,
     val incomingPaymentRequestId: PaykitPaymentRequestId? = null,
+    val paykitSwapRoute: PaykitSwapRouteUi? = null,
 ) {
     val canSwitchBitcoinFundingSource: Boolean
         get() = fundingOptions.count { it.enabled && it.source != SendFundingSource.Usdt } > 1
@@ -8888,6 +9017,14 @@ data class SendUiState(
             !initialSubscriptionPaymentNeedsConfirmation && !requiresAmountReview
 }
 
+/** A Paykit payment routed through a Pubky Swaps provider: the endpoint, the route once quoted, and its provider. */
+@Stable
+data class PaykitSwapRouteUi(
+    val endpoint: PaykitEndpoint,
+    val quote: PubkySwapRouteQuote? = null,
+    val providerName: String? = null,
+)
+
 @Immutable
 data class OnchainFeeUi(
     val rate: FeeRate = FeeRate.fromSpeed(TransactionSpeed.default()),
diff --git a/app/src/main/java/to/bitkit/viewmodels/WalletViewModel.kt b/app/src/main/java/to/bitkit/viewmodels/WalletViewModel.kt
index 7dfdfd4ad8..0cc3c41f38 100644
--- a/app/src/main/java/to/bitkit/viewmodels/WalletViewModel.kt
+++ b/app/src/main/java/to/bitkit/viewmodels/WalletViewModel.kt
@@ -48,6 +48,7 @@ import to.bitkit.repositories.ConnectivityState
 import to.bitkit.repositories.LightningRepo
 import to.bitkit.repositories.NodeStartYieldedToStopError
 import to.bitkit.repositories.PubkyRepo
+import to.bitkit.repositories.PubkySwapsRouteRepo
 import to.bitkit.repositories.RecoveryModeError
 import to.bitkit.repositories.SyncSource
 import to.bitkit.repositories.WalletRepo
@@ -79,6 +80,7 @@ class WalletViewModel @Inject constructor(
     private val connectivityRepo: ConnectivityRepo,
     private val boltzService: BoltzService,
     private val connectionRecovery: WalletConnectionRecovery,
+    private val pubkySwapsRouteRepo: PubkySwapsRouteRepo,
 ) : ViewModel() {
     companion object {
         private const val TAG = "WalletViewModel"
@@ -492,6 +494,7 @@ class WalletViewModel @Inject constructor(
                 }
             }.onSuccess {
                 _restoreState.update { RestoreState.Completed }
+                restorePubkySwaps()
             }.onFailure {
                 Logger.error("Restore from backup failed", it, context = TAG)
                 ToastEventBus.send(it)
@@ -561,6 +564,35 @@ class WalletViewModel @Inject constructor(
         _restoreState.update { RestoreState.Settled }
     }
 
+    /**
+     * Finishes swap routes a restored wallet left in flight: each is rebuilt from its provider's listing and claimed to
+     * Savings, since the contact's address did not survive the restore, so the user learns the payment came back.
+     */
+    private fun restorePubkySwaps() {
+        if (!pubkySwapsRouteRepo.isEnabled) return
+        viewModelScope.launch(bgDispatcher) {
+            val restored = pubkySwapsRouteRepo.restoreSwaps().getOrElse {
+                Logger.warn("Failed to restore Pubky Swaps routes", it, context = TAG)
+                return@launch
+            }
+            Logger.info("Restored '${restored.size}' Pubky Swaps routes", context = TAG)
+            restored.forEach { swapId ->
+                launch {
+                    pubkySwapsRouteRepo.awaitClaim(swapId).onSuccess {
+                        // The claim also opens the received sheet above the toasts: stay until dismissed so the user
+                        // still sees why the money came back once that sheet closes.
+                        ToastEventBus.send(
+                            type = Toast.ToastType.INFO,
+                            title = context.getString(R.string.wallet__swap_route_restored_title),
+                            description = context.getString(R.string.wallet__swap_route_restored_text),
+                            autoHide = false,
+                        )
+                    }
+                }
+            }
+        }
+    }
+
     fun onRestoreRetry() = requestRecoveryRetry(owner = null, editorId = null)
 
     private suspend fun retryRecovery(owner: WalletConnectionRecovery.Owner, backupOnly: Boolean, attempt: Long) {
diff --git a/app/src/main/res/values-ar/strings.xml b/app/src/main/res/values-ar/strings.xml
index 045e83ac9b..a7418da19e 100644
--- a/app/src/main/res/values-ar/strings.xml
+++ b/app/src/main/res/values-ar/strings.xml
@@ -977,11 +977,14 @@
     <string name="wallet__send_quickpay__title">جارٍ دفع\n&lt;accent&gt;الفاتورة...&lt;/accent&gt;</string>
     <string name="wallet__send_review">تأكيد</string>
     <string name="wallet__send_sent">تم إرسال Bitcoin</string>
+    <string name="wallet__send_swap_route">المسار</string>
     <string name="wallet__send_swipe">اسحب للدفع</string>
     <string name="wallet__send_to">إلى</string>
     <string name="wallet__send_yes">نعم، أرسل</string>
     <string name="wallet__spending__onboarding">&lt;accent&gt;أرسل\nBitcoin&lt;/accent&gt;\nإلى\nرصيد إنفاقك</string>
     <string name="wallet__spending__title">الإنفاق</string>
+    <string name="wallet__swap_route_restored_text">دفعة لجهة اتصال قاطعتها الاستعادة عادت إلى مدخراتك.</string>
+    <string name="wallet__swap_route_restored_title">أُعيدت الدفعة إلى المدخرات</string>
     <string name="wallet__tags">العلامات</string>
     <string name="wallet__tags_add">إضافة علامة</string>
     <string name="wallet__tags_add_button">إضافة</string>
diff --git a/app/src/main/res/values-b+es+419/strings.xml b/app/src/main/res/values-b+es+419/strings.xml
index 2e3d9b1f9f..d014e3ba39 100644
--- a/app/src/main/res/values-b+es+419/strings.xml
+++ b/app/src/main/res/values-b+es+419/strings.xml
@@ -1010,11 +1010,14 @@
     <string name="wallet__send_quickpay__title">Pagando\n&lt;accent&gt;factura...&lt;/accent&gt;</string>
     <string name="wallet__send_review">Confirmar</string>
     <string name="wallet__send_sent">Bitcoin Enviado</string>
+    <string name="wallet__send_swap_route">Ruta</string>
     <string name="wallet__send_swipe">Deslizar para pagar</string>
     <string name="wallet__send_to">Para</string>
     <string name="wallet__send_yes">Sí, enviar</string>
     <string name="wallet__spending__onboarding">&lt;accent&gt;Enviar\nbitcoin&lt;/accent&gt;\na su\nsaldo de gastos</string>
     <string name="wallet__spending__title">Gasto</string>
+    <string name="wallet__swap_route_restored_text">Un pago a un contacto que la restauración interrumpió volvió a tus ahorros.</string>
+    <string name="wallet__swap_route_restored_title">Pago devuelto a Ahorros</string>
     <string name="wallet__tags">Etiquetas</string>
     <string name="wallet__tags_add">Añadir etiqueta</string>
     <string name="wallet__tags_add_button">Añadir</string>
diff --git a/app/src/main/res/values-ca/strings.xml b/app/src/main/res/values-ca/strings.xml
index 24dcb34d0a..cee57ddeae 100644
--- a/app/src/main/res/values-ca/strings.xml
+++ b/app/src/main/res/values-ca/strings.xml
@@ -1003,11 +1003,14 @@
     <string name="wallet__send_quickpay__title">Pagant\n&lt;accent&gt;factura...&lt;/accent&gt;</string>
     <string name="wallet__send_review">Confirmar</string>
     <string name="wallet__send_sent">Bitcoin enviat</string>
+    <string name="wallet__send_swap_route">Ruta</string>
     <string name="wallet__send_swipe">Desplaça per pagar</string>
     <string name="wallet__send_to">A</string>
     <string name="wallet__send_yes">Sí, Enviar</string>
     <string name="wallet__spending__onboarding">&lt;accent&gt;Envia\nbitcoin&lt;/accent&gt;\nal teu\nsaldo de despesa</string>
     <string name="wallet__spending__title">Despesa</string>
+    <string name="wallet__swap_route_restored_text">Un pagament a un contacte que la restauració va interrompre ha tornat als teus estalvis.</string>
+    <string name="wallet__swap_route_restored_title">Pagament retornat a Estalvis</string>
     <string name="wallet__tags">Etiquetes</string>
     <string name="wallet__tags_add">Afegeix etiqueta</string>
     <string name="wallet__tags_add_button">Afegir</string>
diff --git a/app/src/main/res/values-cs/strings.xml b/app/src/main/res/values-cs/strings.xml
index f0336264d1..55b390c650 100644
--- a/app/src/main/res/values-cs/strings.xml
+++ b/app/src/main/res/values-cs/strings.xml
@@ -1008,11 +1008,14 @@
     <string name="wallet__send_quickpay__title">Placení\n&lt;accent&gt;faktury...&lt;/accent&gt;</string>
     <string name="wallet__send_review">Potvrdit</string>
     <string name="wallet__send_sent">bitcoin odeslán</string>
+    <string name="wallet__send_swap_route">Trasa</string>
     <string name="wallet__send_swipe">Zaplatit přejetím prstem</string>
     <string name="wallet__send_to">Komu</string>
     <string name="wallet__send_yes">Ano, odeslat</string>
     <string name="wallet__spending__onboarding">&lt;accent&gt;Odeslat\nbitcoin&lt;/accent&gt;\ndo vašeho\ndisponibilního zůstatku</string>
     <string name="wallet__spending__title">Útraty</string>
+    <string name="wallet__swap_route_restored_text">Platba kontaktu přerušená obnovou se vrátila do vašich úspor.</string>
+    <string name="wallet__swap_route_restored_title">Platba vrácena do Úspor</string>
     <string name="wallet__tags">Tagy</string>
     <string name="wallet__tags_add">Vložit tag</string>
     <string name="wallet__tags_add_button">Vložit</string>
diff --git a/app/src/main/res/values-de/strings.xml b/app/src/main/res/values-de/strings.xml
index 2a45ff0fe4..34eb4c8352 100644
--- a/app/src/main/res/values-de/strings.xml
+++ b/app/src/main/res/values-de/strings.xml
@@ -858,6 +858,7 @@
     <string name="wallet__send_confirming_in">Bestätigung in</string>
     <string name="wallet__send_contact_title">Kontakt auswählen</string>
     <string name="wallet__send_invoice_expiration">Rechnungsverfall</string>
+    <string name="wallet__send_swap_route">Route</string>
     <string name="wallet__send_swipe">Zum Bezahlen wischen</string>
     <string name="wallet__send_yes">Ja, senden</string>
     <string name="wallet__send_dialog1">Es scheint, dass du über $100 sendest. Möchtest du fortfahren?</string>
@@ -891,6 +892,8 @@
     <string name="wallet__note">Notiz</string>
     <string name="wallet__lnurl_pay_confirm__comment">Kommentar</string>
     <string name="wallet__lnurl_pay_confirm__comment_placeholder">Optionaler Kommentar zum Empfänger</string>
+    <string name="wallet__swap_route_restored_text">Eine Zahlung an einen Kontakt, die die Wiederherstellung unterbrochen hat, ist in deine Ersparnisse zurückgeflossen.</string>
+    <string name="wallet__swap_route_restored_title">Zahlung an Ersparnisse zurückgegeben</string>
     <string name="wallet__tags">Tags</string>
     <string name="wallet__tags_add">Tag hinzufügen</string>
     <string name="wallet__tags_add_button">Hinzufügen</string>
diff --git a/app/src/main/res/values-el/strings.xml b/app/src/main/res/values-el/strings.xml
index 8587ae5710..3ee672943f 100644
--- a/app/src/main/res/values-el/strings.xml
+++ b/app/src/main/res/values-el/strings.xml
@@ -982,11 +982,14 @@
     <string name="wallet__send_quickpay__title">Πληρωμή\n&lt;accent&gt;τιμολογίου...&lt;/accent&gt;</string>
     <string name="wallet__send_review">Επιβεβαίωση</string>
     <string name="wallet__send_sent">Τα Bitcoin στάλθηκαν</string>
+    <string name="wallet__send_swap_route">Διαδρομή</string>
     <string name="wallet__send_swipe">Σύρε για πληρωμή</string>
     <string name="wallet__send_to">Προς</string>
     <string name="wallet__send_yes">Ναι, Στείλε</string>
     <string name="wallet__spending__onboarding">&lt;accent&gt;Στείλε\nbitcoin&lt;/accent&gt;\nστο υπόλοιπο\nδαπανών</string>
     <string name="wallet__spending__title">Δαπάνες</string>
+    <string name="wallet__swap_route_restored_text">Μια πληρωμή σε επαφή που διέκοψε η επαναφορά επέστρεψε στις αποταμιεύσεις σου.</string>
+    <string name="wallet__swap_route_restored_title">Η πληρωμή επέστρεψε στις Αποταμιεύσεις</string>
     <string name="wallet__tags">Ετικέτες</string>
     <string name="wallet__tags_add">Προσθήκη ετικέτας</string>
     <string name="wallet__tags_add_button">Προσθήκη</string>
diff --git a/app/src/main/res/values-es-rES/strings.xml b/app/src/main/res/values-es-rES/strings.xml
index 9d926c39bd..0f16718489 100644
--- a/app/src/main/res/values-es-rES/strings.xml
+++ b/app/src/main/res/values-es-rES/strings.xml
@@ -1003,11 +1003,14 @@
     <string name="wallet__send_quickpay__title">Pagando\n&lt;accent&gt;factura...&lt;/accent&gt;</string>
     <string name="wallet__send_review">Confirmar</string>
     <string name="wallet__send_sent">Bitcoin Enviado</string>
+    <string name="wallet__send_swap_route">Ruta</string>
     <string name="wallet__send_swipe">Deslizar para pagar</string>
     <string name="wallet__send_to">Para</string>
     <string name="wallet__send_yes">Sí, enviar</string>
     <string name="wallet__spending__onboarding">&lt;accent&gt;Envía\nbitcoin&lt;/accent&gt;\na tu\nsaldo de gastos</string>
     <string name="wallet__spending__title">Gasto</string>
+    <string name="wallet__swap_route_restored_text">Un pago a un contacto que la restauración interrumpió ha vuelto a tus ahorros.</string>
+    <string name="wallet__swap_route_restored_title">Pago devuelto a Ahorros</string>
     <string name="wallet__tags">Etiquetas</string>
     <string name="wallet__tags_add">Añadir etiqueta</string>
     <string name="wallet__tags_add_button">Añadir</string>
diff --git a/app/src/main/res/values-es/strings.xml b/app/src/main/res/values-es/strings.xml
index 940f3de425..5271fb7b36 100644
--- a/app/src/main/res/values-es/strings.xml
+++ b/app/src/main/res/values-es/strings.xml
@@ -850,6 +850,7 @@
     <string name="wallet__send_confirming_in">Confirmando en</string>
     <string name="wallet__send_contact_title">Seleccionar contacto</string>
     <string name="wallet__send_invoice_expiration">Expiración de la factura</string>
+    <string name="wallet__send_swap_route">Ruta</string>
     <string name="wallet__send_swipe">Deslizar para pagar</string>
     <string name="wallet__send_yes">Sí, enviar</string>
     <string name="wallet__send_dialog1">Parece que está enviando más de 100 dólares. ¿Desea continuar?</string>
@@ -881,6 +882,8 @@
     <string name="wallet__send_fee_total">₿ {feeSats} para esta transacción</string>
     <string name="wallet__send_fee_total_fiat">₿ {feeSats} para esta transacción ({fiatSymbol}{fiatFormatted})</string>
     <string name="wallet__note">Nota</string>
+    <string name="wallet__swap_route_restored_text">Un pago a un contacto que la restauración interrumpió ha vuelto a tus ahorros.</string>
+    <string name="wallet__swap_route_restored_title">Pago devuelto a Ahorros</string>
     <string name="wallet__tags">Etiquetas</string>
     <string name="wallet__tags_add">Añadir etiqueta</string>
     <string name="wallet__tags_add_button">Añadir</string>
diff --git a/app/src/main/res/values-fr/strings.xml b/app/src/main/res/values-fr/strings.xml
index 61cd95d307..5303d6d9a9 100644
--- a/app/src/main/res/values-fr/strings.xml
+++ b/app/src/main/res/values-fr/strings.xml
@@ -859,6 +859,7 @@
     <string name="wallet__send_confirming_in">Confirmation en</string>
     <string name="wallet__send_contact_title">Sélectionnez un contact</string>
     <string name="wallet__send_invoice_expiration">Expiration de la facture</string>
+    <string name="wallet__send_swap_route">Itinéraire</string>
     <string name="wallet__send_swipe">Glisser pour payer</string>
     <string name="wallet__send_yes">Oui, Envoyer</string>
     <string name="wallet__send_dialog1">Il apparaît que vous envoyez plus de 100 $. Voulez-vous continuer ?</string>
@@ -888,6 +889,8 @@
     <string name="wallet__note">Note</string>
     <string name="wallet__lnurl_pay_confirm__comment">Commentaire</string>
     <string name="wallet__lnurl_pay_confirm__comment_placeholder">Commentaire facultatif au destinataire</string>
+    <string name="wallet__swap_route_restored_text">Un paiement à un contact interrompu par la restauration est revenu sur ton épargne.</string>
+    <string name="wallet__swap_route_restored_title">Paiement renvoyé vers l\'Épargne</string>
     <string name="wallet__tags">Tags</string>
     <string name="wallet__tags_add">Ajouter une étiquette</string>
     <string name="wallet__tags_add_button">Ajouter</string>
diff --git a/app/src/main/res/values-it/strings.xml b/app/src/main/res/values-it/strings.xml
index 2141ffc645..924538f2d5 100644
--- a/app/src/main/res/values-it/strings.xml
+++ b/app/src/main/res/values-it/strings.xml
@@ -1006,11 +1006,14 @@
     <string name="wallet__send_quickpay__title">Pagamento\n&lt;accent&gt;fattura...&lt;/accent&gt;</string>
     <string name="wallet__send_review">Conferma</string>
     <string name="wallet__send_sent">Bitcoin Inviati</string>
+    <string name="wallet__send_swap_route">Percorso</string>
     <string name="wallet__send_swipe">Scorri per Pagare</string>
     <string name="wallet__send_to">A</string>
     <string name="wallet__send_yes">Si, Invia</string>
     <string name="wallet__spending__onboarding">&lt;accent&gt;Invia\nbitcoin&lt;/accent&gt;\nal tuo\nconto di spesa</string>
     <string name="wallet__spending__title">Spesa</string>
+    <string name="wallet__swap_route_restored_text">Un pagamento a un contatto interrotto dal ripristino è tornato nei tuoi risparmi.</string>
+    <string name="wallet__swap_route_restored_title">Pagamento restituito ai Risparmi</string>
     <string name="wallet__tags">Tag</string>
     <string name="wallet__tags_add">Aggiungi Tag</string>
     <string name="wallet__tags_add_button">Aggiungi</string>
diff --git a/app/src/main/res/values-nl/strings.xml b/app/src/main/res/values-nl/strings.xml
index 0f16a7c531..039ed9cd36 100644
--- a/app/src/main/res/values-nl/strings.xml
+++ b/app/src/main/res/values-nl/strings.xml
@@ -1001,11 +1001,14 @@
     <string name="wallet__send_quickpay__title">Factuur\n&lt;accent&gt;betalen...&lt;/accent&gt;</string>
     <string name="wallet__send_review">Bevestigen</string>
     <string name="wallet__send_sent">Bitcoin verzonden</string>
+    <string name="wallet__send_swap_route">Route</string>
     <string name="wallet__send_swipe">Veeg om te betalen</string>
     <string name="wallet__send_to">Naar</string>
     <string name="wallet__send_yes">Ja, verzenden</string>
     <string name="wallet__spending__onboarding">&lt;accent&gt;Stuur\nbitcoin&lt;/accent&gt;\nnaar je\nbestedingssaldo</string>
     <string name="wallet__spending__title">Bestedingssaldo</string>
+    <string name="wallet__swap_route_restored_text">Een betaling aan een contact die door het herstel werd onderbroken, is teruggekomen op je spaargeld.</string>
+    <string name="wallet__swap_route_restored_title">Betaling teruggestort naar Spaargeld</string>
     <string name="wallet__tags">Tags</string>
     <string name="wallet__tags_add">Tag toevoegen</string>
     <string name="wallet__tags_add_button">Toevoegen</string>
diff --git a/app/src/main/res/values-pl/strings.xml b/app/src/main/res/values-pl/strings.xml
index d1a5a29132..0efbd2a276 100644
--- a/app/src/main/res/values-pl/strings.xml
+++ b/app/src/main/res/values-pl/strings.xml
@@ -861,6 +861,7 @@
     <string name="wallet__send_confirming_in">Potwierdzenie w ciągu</string>
     <string name="wallet__send_contact_title">Wybierz kontakt</string>
     <string name="wallet__send_invoice_expiration">Termin faktury</string>
+    <string name="wallet__send_swap_route">Trasa</string>
     <string name="wallet__send_swipe">Przesuń, aby zapłacić</string>
     <string name="wallet__send_yes">Tak, wyślij</string>
     <string name="wallet__send_dialog1">Wygląda na to, że wysyłasz ponad $100. Czy kontynuować?</string>
@@ -890,6 +891,8 @@
     <string name="wallet__note">Notatka</string>
     <string name="wallet__lnurl_pay_confirm__comment">Komentarz</string>
     <string name="wallet__lnurl_pay_confirm__comment_placeholder">Opcjonalny komentarz dla odbiorcy</string>
+    <string name="wallet__swap_route_restored_text">Płatność do kontaktu przerwana przez przywracanie wróciła do twoich oszczędności.</string>
+    <string name="wallet__swap_route_restored_title">Płatność zwrócona do Oszczędności</string>
     <string name="wallet__tags">Tagi</string>
     <string name="wallet__tags_add">Dodaj tag</string>
     <string name="wallet__tags_add_button">Dodaj</string>
diff --git a/app/src/main/res/values-pt-rBR/strings.xml b/app/src/main/res/values-pt-rBR/strings.xml
index 0266a4b1e4..57e149f1fc 100644
--- a/app/src/main/res/values-pt-rBR/strings.xml
+++ b/app/src/main/res/values-pt-rBR/strings.xml
@@ -1010,11 +1010,14 @@
     <string name="wallet__send_quickpay__title">Pagando \n&lt;accent&gt;invoice...&lt;/accent&gt;</string>
     <string name="wallet__send_review">Confirmar</string>
     <string name="wallet__send_sent">Bitcoin Enviado</string>
+    <string name="wallet__send_swap_route">Rota</string>
     <string name="wallet__send_swipe">Deslize para Pagar</string>
     <string name="wallet__send_to">Para</string>
     <string name="wallet__send_yes">Sim, Enviar</string>
     <string name="wallet__spending__onboarding">&lt;accent&gt;Transfira\nbitcoin&lt;/accent&gt;\npara seu\nsaldo de gastos</string>
     <string name="wallet__spending__title">Gastos</string>
+    <string name="wallet__swap_route_restored_text">Um pagamento a um contato que a restauração interrompeu voltou para sua poupança.</string>
+    <string name="wallet__swap_route_restored_title">Pagamento devolvido à Poupança</string>
     <string name="wallet__tags">Tags</string>
     <string name="wallet__tags_add">Adicionar Tag</string>
     <string name="wallet__tags_add_button">Adicionar</string>
diff --git a/app/src/main/res/values-pt/strings.xml b/app/src/main/res/values-pt/strings.xml
index c9f113920f..9604c8ed31 100644
--- a/app/src/main/res/values-pt/strings.xml
+++ b/app/src/main/res/values-pt/strings.xml
@@ -722,6 +722,7 @@
     <string name="wallet__send_review">Confirmar</string>
     <string name="wallet__send_confirming_in">Confirmando em</string>
     <string name="wallet__send_invoice_expiration">Vencimento do invoice</string>
+    <string name="wallet__send_swap_route">Rota</string>
     <string name="wallet__send_swipe">Deslize para Pagar</string>
     <string name="wallet__send_yes">Sim, Enviar</string>
     <string name="wallet__send_dialog1">Parece que você está enviando mais de US$ 100. Deseja continuar?</string>
@@ -750,6 +751,8 @@
     <string name="wallet__note">Nota</string>
     <string name="wallet__lnurl_pay_confirm__comment">Comentário</string>
     <string name="wallet__lnurl_pay_confirm__comment_placeholder">Comentário opcional para o receptor</string>
+    <string name="wallet__swap_route_restored_text">Um pagamento a um contacto que o restauro interrompeu voltou às tuas poupanças.</string>
+    <string name="wallet__swap_route_restored_title">Pagamento devolvido às Poupanças</string>
     <string name="wallet__tags">Tags</string>
     <string name="wallet__tags_add">Adicionar Tag</string>
     <string name="wallet__tags_add_button">Adicionar</string>
diff --git a/app/src/main/res/values-ru/strings.xml b/app/src/main/res/values-ru/strings.xml
index cd61bf299f..5f7524c024 100644
--- a/app/src/main/res/values-ru/strings.xml
+++ b/app/src/main/res/values-ru/strings.xml
@@ -1026,11 +1026,14 @@
 &lt;accent&gt;счёта...&lt;/accent&gt;</string>
     <string name="wallet__send_review">Подтвердить</string>
     <string name="wallet__send_sent">Биткоины отправлены</string>
+    <string name="wallet__send_swap_route">Маршрут</string>
     <string name="wallet__send_swipe">Отправить</string>
     <string name="wallet__send_to">Кому</string>
     <string name="wallet__send_yes">Да, Отправить</string>
     <string name="wallet__spending__onboarding">&lt;accent&gt;Отправьте\nбиткоин&lt;/accent&gt;\nна ваш\nБаланс Расходов</string>
     <string name="wallet__spending__title">Расходы</string>
+    <string name="wallet__swap_route_restored_text">Платёж контакту, прерванный восстановлением, вернулся в ваши сбережения.</string>
+    <string name="wallet__swap_route_restored_title">Платёж возвращён в Сбережения</string>
     <string name="wallet__tags">Теги</string>
     <string name="wallet__tags_add">Добавить Тег</string>
     <string name="wallet__tags_add_button">Добавить</string>
diff --git a/app/src/main/res/values/strings.xml b/app/src/main/res/values/strings.xml
index e0f1418c67..c6ee4f25db 100644
--- a/app/src/main/res/values/strings.xml
+++ b/app/src/main/res/values/strings.xml
@@ -1564,11 +1564,15 @@
     <string name="wallet__send_quickpay__title">Paying\n&lt;accent&gt;invoice...&lt;/accent&gt;</string>
     <string name="wallet__send_review">Confirm</string>
     <string name="wallet__send_sent">Bitcoin Sent</string>
+    <string name="wallet__send_swap_route">Route</string>
+    <string name="wallet__send_swap_route_provider" translatable="false">Pubky Swaps · %1$s</string>
     <string name="wallet__send_swipe">Swipe To Pay</string>
     <string name="wallet__send_to">To</string>
     <string name="wallet__send_yes">Yes, Send</string>
     <string name="wallet__spending__onboarding">&lt;accent&gt;Send\nbitcoin&lt;/accent&gt;\nto your\nspending balance</string>
     <string name="wallet__spending__title">Spending</string>
+    <string name="wallet__swap_route_restored_text">A contact payment the restore interrupted came back to your savings.</string>
+    <string name="wallet__swap_route_restored_title">Payment returned to Savings</string>
     <string name="wallet__tags">Tags</string>
     <string name="wallet__tags_add">Add Tag</string>
     <string name="wallet__tags_add_button">Add</string>
diff --git a/app/src/test/java/to/bitkit/ui/WalletViewModelTest.kt b/app/src/test/java/to/bitkit/ui/WalletViewModelTest.kt
index 0285ec4960..5a349a5a87 100644
--- a/app/src/test/java/to/bitkit/ui/WalletViewModelTest.kt
+++ b/app/src/test/java/to/bitkit/ui/WalletViewModelTest.kt
@@ -49,6 +49,7 @@ import to.bitkit.repositories.LightningRepo
 import to.bitkit.repositories.LightningState
 import to.bitkit.repositories.NodeStartYieldedToStopError
 import to.bitkit.repositories.PubkyRepo
+import to.bitkit.repositories.PubkySwapsRouteRepo
 import to.bitkit.repositories.SyncSource
 import to.bitkit.repositories.WalletRepo
 import to.bitkit.repositories.WalletState
@@ -86,6 +87,7 @@ class WalletViewModelTest : BaseUnitTest() {
     private val migrationService = mock<MigrationService>()
     private val connectivityRepo = mock<ConnectivityRepo>()
     private val boltzService = mock<BoltzService>()
+    private val pubkySwapsRouteRepo = mock<PubkySwapsRouteRepo>()
 
     private val lightningState = MutableStateFlow(LightningState())
     private val walletState = MutableStateFlow(WalletState())
@@ -126,6 +128,7 @@ class WalletViewModelTest : BaseUnitTest() {
             connectivityRepo = connectivityRepo,
             boltzService = boltzService,
             connectionRecovery = connectionRecovery,
+            pubkySwapsRouteRepo = pubkySwapsRouteRepo,
         )
     }
 
@@ -344,6 +347,40 @@ class WalletViewModelTest : BaseUnitTest() {
         assertFalse(settingsData.value.pendingRestoreActivitySeen)
     }
 
+    @Test
+    fun `restores swap routes once a wallet restore completes`() = test {
+        whenever(pubkySwapsRouteRepo.isEnabled).thenReturn(true)
+        whenever(pubkySwapsRouteRepo.restoreSwaps()).thenReturn(Result.success(listOf("swap")))
+        whenever(pubkySwapsRouteRepo.awaitClaim(eq("swap"), any())).thenReturn(Result.success("txid"))
+        whenever(context.getString(any())).thenReturn("text")
+        whenever(backupRepo.getLatestBackupTime()).thenReturn(1uL)
+        whenever(backupRepo.performFullRestoreFromLatestBackup(any(), anyOrNull())).thenReturn(Result.success(Unit))
+        lightningState.value = lightningState.value.copy(nodeLifecycleState = NodeLifecycleState.Running)
+
+        sut.restoreWallet("mnemonic", "passphrase")
+        walletState.value = walletState.value.copy(walletExists = true)
+        advanceUntilIdle()
+
+        assertEquals(RestoreState.Completed, sut.restoreState.value)
+        verify(pubkySwapsRouteRepo).restoreSwaps()
+        verify(pubkySwapsRouteRepo).awaitClaim(eq("swap"), any())
+    }
+
+    @Test
+    fun `leaves swap routes alone after a restore while they are off`() = test {
+        whenever(pubkySwapsRouteRepo.isEnabled).thenReturn(false)
+        whenever(backupRepo.getLatestBackupTime()).thenReturn(1uL)
+        whenever(backupRepo.performFullRestoreFromLatestBackup(any(), anyOrNull())).thenReturn(Result.success(Unit))
+        lightningState.value = lightningState.value.copy(nodeLifecycleState = NodeLifecycleState.Running)
+
+        sut.restoreWallet("mnemonic", "passphrase")
+        walletState.value = walletState.value.copy(walletExists = true)
+        advanceUntilIdle()
+
+        assertEquals(RestoreState.Completed, sut.restoreState.value)
+        verify(pubkySwapsRouteRepo, never()).restoreSwaps()
+    }
+
     @Test
     fun `failed backup restore can retry without restarting node`() = test {
         val testError = AppError("restore failed")
@@ -1164,6 +1201,7 @@ class WalletViewModelTest : BaseUnitTest() {
             connectivityRepo = connectivityRepo,
             boltzService = boltzService,
             connectionRecovery = connectionRecovery,
+            pubkySwapsRouteRepo = pubkySwapsRouteRepo,
         )
 
         assertEquals(RestoreState.Initial, testSut.restoreState.value)
@@ -1231,6 +1269,7 @@ class WalletViewModelTest : BaseUnitTest() {
             connectivityRepo = connectivityRepo,
             boltzService = boltzService,
             connectionRecovery = connectionRecovery,
+            pubkySwapsRouteRepo = pubkySwapsRouteRepo,
         )
 
         testSut.start()
@@ -1287,6 +1326,7 @@ class WalletViewModelTest : BaseUnitTest() {
             connectivityRepo = connectivityRepo,
             boltzService = boltzService,
             connectionRecovery = connectionRecovery,
+            pubkySwapsRouteRepo = pubkySwapsRouteRepo,
         )
 
         // Trigger restore to put state in non-idle
@@ -1327,6 +1367,7 @@ class WalletViewModelTest : BaseUnitTest() {
             connectivityRepo = connectivityRepo,
             boltzService = boltzService,
             connectionRecovery = connectionRecovery,
+            pubkySwapsRouteRepo = pubkySwapsRouteRepo,
         )
 
         testSut.restoreWallet("mnemonic", null)
@@ -1418,6 +1459,7 @@ class WalletViewModelTest : BaseUnitTest() {
             connectivityRepo = connectivityRepo,
             boltzService = boltzService,
             connectionRecovery = connectionRecovery,
+            pubkySwapsRouteRepo = pubkySwapsRouteRepo,
         )
         advanceUntilIdle()
 
diff --git a/app/src/test/java/to/bitkit/viewmodels/AppViewModelSendFlowTest.kt b/app/src/test/java/to/bitkit/viewmodels/AppViewModelSendFlowTest.kt
index 59d48a26ac..d34cd30575 100644
--- a/app/src/test/java/to/bitkit/viewmodels/AppViewModelSendFlowTest.kt
+++ b/app/src/test/java/to/bitkit/viewmodels/AppViewModelSendFlowTest.kt
@@ -196,6 +196,7 @@ import to.bitkit.repositories.PrivatePaykitRepo
 import to.bitkit.repositories.PubkyIdentityReadiness
 import to.bitkit.repositories.PubkyRepo
 import to.bitkit.repositories.PubkySignIn
+import to.bitkit.repositories.PubkySwapsRouteRepo
 import to.bitkit.repositories.PublicPaykitPaymentResult
 import to.bitkit.repositories.PublicPaykitRepo
 import to.bitkit.repositories.QuickPayCompletionKind
@@ -296,6 +297,7 @@ class AppViewModelSendFlowTest : BaseUnitTest() {
     private val paykitPaymentProofRepo = mock<PaykitPaymentProofRepo>()
     private val paykitPaymentRequestDiagnostics = mock<PaykitPaymentRequestDiagnostics>()
     private val usdtRepo = mock<UsdtRepo>()
+    private val pubkySwapsRouteRepo = mock<PubkySwapsRouteRepo>()
     private val usdtState = MutableStateFlow(UsdtWalletState(balance = 1_000_000u))
     private val paykitUsdtPayments = mock<PaykitUsdtPaymentRepo>()
     private val samRockRepo = mock<SamRockRepo>()
@@ -943,6 +945,7 @@ class AppViewModelSendFlowTest : BaseUnitTest() {
         paykitPaymentRequestDiagnostics = paykitPaymentRequestDiagnostics,
         refreshContactPaykitLink = refreshContactPaykitLink,
         usdtRepo = usdtRepo,
+        pubkySwapsRouteRepo = pubkySwapsRouteRepo,
         paykitUsdtPayments = paykitUsdtPayments,
         samRockRepo = samRockRepo,
         appUpdateSheet = mock { on { type } doReturn TimedSheetType.APP_UPDATE },
diff --git a/changelog.d/next/1732.added.md b/changelog.d/next/1732.added.md
new file mode 100644
index 0000000000..d7dfa80257
--- /dev/null
+++ b/changelog.d/next/1732.added.md
@@ -0,0 +1 @@
+Bitkit can pay a contact who only accepts on-chain bitcoin from your spending balance, through a Pubky Swaps provider among your contacts.
diff --git a/gradle/libs.versions.toml b/gradle/libs.versions.toml
index 9767d1a465..434905884b 100644
--- a/gradle/libs.versions.toml
+++ b/gradle/libs.versions.toml
@@ -21,7 +21,7 @@ activity-compose = { module = "androidx.activity:activity-compose", version = "1
 appcompat = { module = "androidx.appcompat:appcompat", version = "1.7.1" }
 barcode-scanning = { module = "com.google.mlkit:barcode-scanning", version = "17.3.0" }
 biometric = { module = "androidx.biometric:biometric", version = "1.4.0-alpha05" }
-bitkit-core = { module = "com.synonym:bitkit-core-android", version = "0.8.0-rc11" }
+bitkit-core = { module = "com.synonym:bitkit-core-android", version = "0.8.0-swaps.4" }
 paykit = { module = "com.synonym:paykit-android", version = "0.1.1-rc2" }
 bouncycastle-pkix-jdk = { module = "org.bouncycastle:bcpkix-jdk18on", version = "1.83" }
 bouncycastle-provider-jdk = { module = "org.bouncycastle:bcprov-jdk18on", version = "1.83" }
diff --git a/journeys/paykit-swap-restore.xml b/journeys/paykit-swap-restore.xml
new file mode 100644
index 0000000000..7b2e2ea2c1
--- /dev/null
+++ b/journeys/paykit-swap-restore.xml
@@ -0,0 +1,24 @@
+<journey name="paykit swap restore">
+  <description>
+    Proves that a swap route the wallet left in flight before its claim is finished after the wallet is wiped and
+    restored from its recovery phrase: the restore finds the swap at its provider, claims it to Savings (the contact's
+    address does not survive the restore), and tells the user the payment was returned to Savings.
+
+    Preconditions: as paykit-swap-route.xml, with the provider running against bitkit-docker (`--no-homeserver`) and
+    the build's PUBKY_SWAPS_PROVIDERS naming it. A throwaway regtest wallet restored from a recovery phrase, with a
+    spending balance from an LNURL channel, an empty savings balance, a Pubky profile, and the provider and the
+    fixture-issuer saved as contacts. Start a 20 000 sat payment to the fixture-issuer through the swap route, wait
+    until the provider logs "HTLC funded; awaiting client claim", and force-stop the app before any block is mined.
+    Then clear the app's data and enter the same recovery phrase on the restore screen.
+  </description>
+  <actions>
+    <action>Tap Restore (tag "RestoreButton") and wait for the Wallet Restored screen, then tap Get Started (tag "GetStartedButton")</action>
+    <action>Verify the savings balance (tag "ActivitySavings") shows 0</action>
+    <action>Mine one block on bitkit-docker's bitcoind, so the provider's lockup confirms</action>
+    <action>Verify the provider logs "client claimed; hold invoice settled"</action>
+    <action>Mine one more block, so the claim confirms</action>
+    <action>Verify the "Received Bitcoin" sheet shows 20 000, then close it</action>
+    <action>Verify the toast "Payment returned to Savings" is visible</action>
+    <action>Verify the savings balance (tag "ActivitySavings") shows 20 000, and bitcoind shows the claim transaction paying exactly 0.0002 BTC to the wallet's own address</action>
+  </actions>
+</journey>
diff --git a/journeys/paykit-swap-route.xml b/journeys/paykit-swap-route.xml
new file mode 100644
index 0000000000..5de3d268fa
--- /dev/null
+++ b/journeys/paykit-swap-route.xml
@@ -0,0 +1,28 @@
+<journey name="paykit swap route">
+  <description>
+    Proves that paying a Paykit contact whose only endpoint is on-chain, from a wallet that holds only a spending
+    balance, routes through a Pubky Swaps provider found among the user's own contacts, without the user picking a
+    swap, and that the contact receives the exact amount on chain.
+
+    Preconditions: a dev debug build with E2E=true, E2E_BACKEND=local, E2E_HOMESERVER_PUBKY set to the local
+    marketplace homeserver and PUBKY_SWAPS_ROUTES=true; bitkit-docker's
+    default stack with the marketplace, payment-requests and lnurl-pay profiles; the provider running against
+    bitkit-docker's LND and funded; adb reverse for 6286, 6287, 6288, 15411, 15412, 60001, 23735, 23000 and 23010.
+    The wallet has a spending balance from an LNURL channel with bitkit-docker's LND and an empty savings balance,
+    a Pubky profile on the local homeserver, and both the provider's and the fixture-issuer's pubkys saved as contacts.
+    The contact is bitkit-docker's fixture-issuer, which publishes only a btc-regtest-p2wpkh endpoint.
+  </description>
+  <actions>
+    <action>Verify the savings balance (tag "ActivitySavings") shows 0 and the spending balance (tag "ActivitySpending") is above 25 000</action>
+    <action>Tap Send (tag "Send"), then Contact (tag "RecipientContact")</action>
+    <action>Verify the contact list shows both the fixture-issuer and the provider, and tap the fixture-issuer (tag "SendContact_" followed by its pubky)</action>
+    <action>Verify the amount screen (tag "send_amount_screen") offers SPENDING as the source</action>
+    <action>Enter 20000 and tap Continue (tag "ContinueAmount")</action>
+    <action>Verify the Confirm screen (tag "SendConfirm") is visible, then tap Show Details (tag "SendConfirmToggleDetails")</action>
+    <action>Verify FROM is SPENDING, TO is the contact, and ROUTE (tag "ReviewSwapRoute") reads "Pubky Swaps" followed by the provider's shortened pubky</action>
+    <action>Swipe to pay (tag "GRAB")</action>
+    <action>Once the provider logs "HTLC funded; awaiting client claim", mine one block on bitkit-docker's bitcoind</action>
+    <action>Verify the Bitcoin Sent screen (tag "SendSuccess") is visible</action>
+    <action>Verify the provider logs "client claimed; hold invoice settled", and bitcoind shows the claim transaction paying exactly 0.0002 BTC to the fixture-issuer's address</action>
+  </actions>
+</journey>