diff --git a/README.md b/README.md
index 448699a..31891eb 100644
--- a/README.md
+++ b/README.md
@@ -257,7 +257,11 @@ own traffic since Vest publishes no API):
   unmarked since marking began was someone else's. The **Trades** button on
   the Vest firm's dashboard row lists them, and the account page shows its own.
 - Claims: the bot claims a funded account's profit by itself at each stage's
-  target (`auto_claim`, on unless set to `off`). The account page's **Claim
+  target — whether or not the scheduler is running (a claim opens nothing).
+  The dashboard's **Auto-claim payouts** box turns it off (`auto_claim`). A
+  claim holds every further claim on the account until Vest's transactions
+  show its WITHDRAW; one whose request failed in transit holds them too, until
+  the transactions show it went in, or an hour of them shows it didn't. The account page's **Claim
   now** button claims the whole profit above the account size at once — any
   amount from $1 — when the account is flat; it asks first, since it moves
   money to the login's main account.
diff --git a/app/api/settings/route.ts b/app/api/settings/route.ts
index ca8d50b..6bdebd5 100644
--- a/app/api/settings/route.ts
+++ b/app/api/settings/route.ts
@@ -3,7 +3,7 @@ import { getSetting, setSetting } from '@/lib/db';
 import { scheduleBackupPush } from '@/lib/backup-sync';
 import { getRequestUserAgent } from '@/lib/request-user-agent';
 
-const VALID_KEYS = ['max_concurrent_accounts', 'tick_interval_seconds', 'master_dashboard_url', 'instance_name', 'trading_hours', 'twocaptcha_api_key', 'twocaptcha_proxy', 'master_backup_token', 'proxy_url'] as const;
+const VALID_KEYS = ['max_concurrent_accounts', 'tick_interval_seconds', 'master_dashboard_url', 'instance_name', 'trading_hours', 'twocaptcha_api_key', 'twocaptcha_proxy', 'master_backup_token', 'proxy_url', 'auto_claim'] as const;
 type SettingKey = typeof VALID_KEYS[number];
 
 export async function GET() {
@@ -25,6 +25,12 @@ export async function PATCH(req: NextRequest) {
     try {
         const body = await req.json() as Partial<Record<SettingKey, string | number>>;
 
+        // Claims run unless it reads exactly 'off' — say so exactly, and
+        // before anything is written.
+        if (body.auto_claim !== undefined && body.auto_claim !== null && body.auto_claim !== 'on' && body.auto_claim !== 'off') {
+            return NextResponse.json({ error: "auto_claim is 'on' or 'off'" }, { status: 400 });
+        }
+
         for (const key of VALID_KEYS) {
             if (key in body) {
                 const raw = body[key];
diff --git a/app/page.tsx b/app/page.tsx
index 6ecee09..9b81c1a 100644
--- a/app/page.tsx
+++ b/app/page.tsx
@@ -743,6 +743,7 @@ export default function Home() {
     const [tickInterval, setTickInterval] = useState('60');
     const [tradeLoading, setTradeLoading] = useState(false);
     const [stopAfterAll, setStopAfterAll] = useState(false);
+    const [autoClaim, setAutoClaim] = useState(true);
 
     const handleSort = (col: SortKey) => {
         if (sortKey === col) {
@@ -812,8 +813,9 @@ export default function Home() {
 
         fetch('/api/settings')
             .then((r) => r.json())
-            .then((s: { tick_interval_seconds?: string | null }) => {
+            .then((s: { tick_interval_seconds?: string | null; auto_claim?: string | null }) => {
                 if (s.tick_interval_seconds != null) setTickInterval(s.tick_interval_seconds);
+                setAutoClaim(s.auto_claim !== 'off');
             })
             .catch(() => {});
 
@@ -1000,6 +1002,28 @@ export default function Home() {
                                 />
                                 <span className="text-xs text-slate-400 whitespace-nowrap">Stop after all eligible</span>
                             </label>
+                            {config.some((f) => f.platform === 'vest') && (
+                                <label
+                                    className="flex items-center gap-1.5 ml-2 cursor-pointer select-none"
+                                    title="Claim a funded account's profit as soon as it reaches its stage's target (Vest) — whether or not the scheduler is running"
+                                >
+                                    <input
+                                        type="checkbox"
+                                        checked={autoClaim}
+                                        onChange={(e) => {
+                                            const on = e.target.checked;
+                                            setAutoClaim(on);
+                                            fetch('/api/settings', {
+                                                method: 'PATCH',
+                                                headers: { 'Content-Type': 'application/json' },
+                                                body: JSON.stringify({ auto_claim: on ? 'on' : 'off' }),
+                                            }).then((r) => { if (!r.ok) setAutoClaim(!on); }).catch(() => setAutoClaim(!on));
+                                        }}
+                                        className="rounded border-slate-300 text-emerald-500 focus:ring-emerald-500"
+                                    />
+                                    <span className="text-xs text-slate-400 whitespace-nowrap">Auto-claim payouts</span>
+                                </label>
+                            )}
                             <div className="ml-auto flex items-center gap-2">
                                 {hasAnyPosition && (
                                     <button
diff --git a/lib/auto-trade.ts b/lib/auto-trade.ts
index 4019ee2..9ac5779 100644
--- a/lib/auto-trade.ts
+++ b/lib/auto-trade.ts
@@ -1947,6 +1947,7 @@ function claimDue(client: any, acc: { id: number; active: boolean }, now: number
     if (!cfg || cfg.payoutable !== true || !acc.active) return null;
     if (client.positions[acc.id] || client.hasWorkingOrders?.(acc.id) || runtime().accountsInFlight.has(acc.id)) return null;
     if (!client.historyReady?.(acc.id)) return null;
+    if (client.claimPending?.(acc.id)) return null;
     if (now - (runtime().claimFailedAt?.get(acc.id) ?? 0) < CLAIM_RETRY_MS) return null;
     const cash = client.accountCashBalances[acc.id];
     if (!cash) return null;
@@ -1966,8 +1967,9 @@ function claimDue(client: any, acc: { id: number; active: boolean }, now: number
  * Profit). The account then starts its next stage the same day: its leg
  * counts and entry outcome for the day are cleared, and a type whose stages
  * reset each day trades its next stage on the room the claim freed. Under the
- * lane's mutex, so no batch reads an account mid-claim. Off with the
- * auto_claim setting at 'off'.
+ * lane's mutex, so no batch reads an account mid-claim. Run by the
+ * scheduler's tick, or by the claim watcher while the scheduler is off. Off
+ * with the auto_claim setting at 'off'.
  */
 async function runClaims(lane: string, ready: FirmClient[]): Promise<void> {
     if (getSetting('auto_claim') === 'off') return;
@@ -1983,12 +1985,15 @@ async function runClaims(lane: string, ready: FirmClient[]): Promise<void> {
     if (lease === null) return;
     try {
         const tradeDate = currentTradeDateCT();
-        for (const { firm, client, acc, amount } of due) {
+        for (const { firm, client, acc } of due) {
             if (!holdsTradeMutex(lease, lane)) return;
-            if (claimDue(client, acc, Date.now()) === null) continue; // settled since
+            // Settled since, or a different amount now: claim what is due now.
+            const amount = claimDue(client, acc, Date.now());
+            if (amount === null) continue;
             try {
-                // eslint-disable-next-line @typescript-eslint/no-explicit-any
-                const { claimed, received } = await (client as any).claimProfit(acc.id, amount);
+                // In flight while it claims: a batch that takes over a wedged
+                // lane, or a Claim now, leaves the account alone.
+                const { claimed, received } = await withAccountInFlight(acc.id, () => client.claimProfit!(acc.id, amount));
                 afterClaim('[auto-claim]', firm, client, acc, claimed, received, tradeDate);
             } catch (err) {
                 (runtime().claimFailedAt ??= new Map()).set(acc.id, Date.now());
@@ -2000,6 +2005,43 @@ async function runClaims(lane: string, ready: FirmClient[]): Promise<void> {
     }
 }
 
+/** How often auto-claims run while the scheduler is off — its tick's pace. */
+const CLAIM_WATCH_MS = 60_000;
+
+const _claimWatch = globalThis as typeof globalThis & { __claimWatcher?: ReturnType<typeof setInterval>; __claimTickBusy?: boolean };
+
+/**
+ * Auto-claims don't wait on the scheduler: a payout locks in profit and
+ * opens nothing, so stopping the trading doesn't stop it — a funded account
+ * at its target while the bot is off is claimed all the same, before
+ * whatever trades it next can take the profit back. While the scheduler
+ * runs, its own tick claims (first thing in each lane), and this stays out
+ * of the way. Off with the auto_claim setting at 'off'. Started once, with
+ * the clients.
+ */
+export function startClaimWatcher(): void {
+    if (_claimWatch.__claimWatcher) return;
+    _claimWatch.__claimWatcher = setInterval(() => { void claimTick(); }, CLAIM_WATCH_MS);
+}
+
+async function claimTick(): Promise<void> {
+    if (getState().running || getSetting('auto_claim') === 'off' || _claimWatch.__claimTickBusy) return;
+    _claimWatch.__claimTickBusy = true;
+    try {
+        // Ready clients only, as the tick: a stale snapshot may hide a
+        // position. runClaims takes each lane's mutex itself.
+        const { ready } = firmClients();
+        for (const lane of tradableLanes()) {
+            if (getState().running) return; // the scheduler took over
+            await runClaims(lane, ready);
+        }
+    } catch (err) {
+        console.error(`[auto-claim] ${errorMessage(err)}`);
+    } finally {
+        _claimWatch.__claimTickBusy = false;
+    }
+}
+
 /** A claim went through: the account starts its next stage — the day's leg
  *  count and entry outcome are cleared, as if it hadn't traded today. */
 function afterClaim(
@@ -2043,6 +2085,7 @@ function manualClaim(accountId: number):
         return { reason: 'a position or order is open — the account must be flat' };
     }
     if (!client.historyReady(acc.id)) return { reason: 'its history is still loading' };
+    if (client.claimPending?.(acc.id)) return { reason: 'the last claim is still settling — wait for the next sync' };
     const cash = client.accountCashBalances[acc.id];
     if (!cash) return { reason: 'its balance has not been read yet' };
     const profit = Math.floor((cash.amount - cfg.accountSize) * 100) / 100;
@@ -2084,7 +2127,7 @@ export async function claimAccountNow(accountId: number, amount: number): Promis
         if ('reason' in c) throw new ClaimRefusedError(c.reason);
         if (!(amount >= 1)) throw new ClaimRefusedError(`$${amount} is below the $1 minimum claim`);
         if (amount > c.amount + 0.005) throw new ClaimRefusedError(`only $${c.amount.toFixed(2)} is claimable now`);
-        const { claimed, received } = await c.client.claimProfit!(c.acc.id, amount);
+        const { claimed, received } = await withAccountInFlight(c.acc.id, () => c.client.claimProfit!(c.acc.id, amount));
         const stage = afterClaim('[claim-now]', c.firm, c.client, c.acc, claimed, received, currentTradeDateCT());
         return { claimed, received, stage };
     } finally {
diff --git a/lib/clients.ts b/lib/clients.ts
index 45058a1..57bf65d 100644
--- a/lib/clients.ts
+++ b/lib/clients.ts
@@ -15,7 +15,7 @@ import { applyBrokerHttpDefaults, applyBrokerProxy } from './outbound-proxy';
 import axios from './http-client';
 import { startMasterLink } from './master-link';
 import { startUpdaterWatchdog } from './updater-watchdog';
-import { resumeSchedulerIfPersisted } from './auto-trade';
+import { resumeSchedulerIfPersisted, startClaimWatcher } from './auto-trade';
 import { superviseQuotes, SUPERVISE_INTERVAL_MS, type QuoteClient } from './live-quotes';
 
 // Use global to persist the client pool across HMR reloads in dev mode.
@@ -189,6 +189,9 @@ export function getClients(): Map<string, PlatformClient> {
 
     if (!g.__tradovateClientsInitialized) {
         g.__tradovateClientsInitialized = true;
+        // Payouts at target are claimed whether or not the scheduler runs —
+        // started first, so a later init step that throws can't leave it off.
+        startClaimWatcher();
         try {
             // Before anything dials out: a timeout on every broker HTTP call,
             // and the operator's proxy (if any) under the broker clients.
diff --git a/lib/platform-client.ts b/lib/platform-client.ts
index 9a966b4..04bad73 100644
--- a/lib/platform-client.ts
+++ b/lib/platform-client.ts
@@ -139,6 +139,9 @@ export interface PlatformClient {
      *  Resolves once the platform accepted it and the books were updated;
      *  rejects with the platform's reason otherwise. */
     claimProfit?(accountId: number, amount: number): Promise<{ claimed: number; received: number | null }>;
+    /** A claim this client made that no good sync has read past yet: the
+     *  balance on hand may not show it, so no claim may be judged on it. */
+    claimPending?(accountId: number): boolean;
     /** Drop the account's history from memory (the wipe routes), so it reads
      *  unloaded until the next fetch rebuilds it. */
     forgetHistory(accountId: number, accountName: string): void;
diff --git a/lib/vest-class.ts b/lib/vest-class.ts
index 2e58ff2..fb320f5 100644
--- a/lib/vest-class.ts
+++ b/lib/vest-class.ts
@@ -107,6 +107,17 @@ const ASSUMED_SPREAD_TICKS = 1;
 const RESET_GUARD_MS = 5 * 60_000;
 /** account_meta key of the profit claims this client made, per account. */
 const CLAIMS_META = 'vest_claims';
+/** A claim shows in Vest's transactions as a WITHDRAW of the same amount
+ *  within this long of it. */
+const CLAIM_MATCH_MS = 30 * 60_000;
+/** A claim of unknown outcome (the request failed in transit) that no
+ *  WITHDRAW matches in a history read this long after it never happened. */
+const UNKNOWN_CLAIM_EXPIRES_MS = 60 * 60_000;
+
+/** A claim this client sent: the amount, when, and the balance it left.
+ *  unknown = the request failed in transit, so it may or may not have gone
+ *  in — it holds further claims, but nothing is booked on it. */
+interface OwnClaim { at: number; amount: number; base: number; unknown?: true }
 
 const sleep = (ms: number) => new Promise((r) => setTimeout(r, ms));
 const round2 = (n: number) => Math.round(n * 100) / 100;
@@ -179,7 +190,13 @@ export class VestClient implements PlatformClient {
     /** Profit claims this client made, per account: when, how much, and the
      *  balance right after — today's P&L counts from there (realizedSince).
      *  Loaded from account_meta on first use, so a restart keeps them. */
-    private claims = new Map<number, { at: number; amount: number; base: number }[]>();
+    private claims = new Map<number, OwnClaim[]>();
+    /** The sync generation current when each account last claimed: a sync
+     *  of that generation or older read the balance before the claim. */
+    private claimSeq = new Map<number, number>();
+    /** When each account's transactions were last read. */
+    private historyReadAt = new Map<number, number>();
+    private unmatchedClaimLogged = new Set<string>();
     /** Each account's WITHDRAW transactions at the last history read, so a
      *  claim made by hand on Vest counts toward today's stage too. */
     private withdrawals = new Map<number, { at: number; amount: number }[]>();
@@ -577,6 +594,11 @@ export class VestClient implements PlatformClient {
                     this.flatAmounts.delete(id);
                 }
                 const upnl = mine.reduce((s, p) => s + unrealizedPnl(p, this.marks.get(p.symbol)?.mark ?? NaN), 0);
+                // A claim made while this sync was out: what it read predates
+                // the payout, and writing it back would show the profit again —
+                // a second claim of it. The claim's own booking stands until a
+                // sync that started after it.
+                if ((this.claimSeq.get(id) ?? -1) >= gen && this.accountCashBalances[id]) continue;
                 this.accountCashBalances[id] = {
                     amount: round2(balance),
                     realizedPnL: this.realizedSince(id, a, balance, now),
@@ -698,12 +720,15 @@ export class VestClient implements PlatformClient {
         return this.dailyFloorOf(a, cash.amount, Date.now()) ?? null;
     }
 
-    private claimsOf(accountId: number): { at: number; amount: number; base: number }[] {
+    private claimsOf(accountId: number): OwnClaim[] {
         let list = this.claims.get(accountId);
         if (!list) {
             try {
                 const raw = JSON.parse(loadAccountMeta(accountId, CLAIMS_META) ?? '[]');
-                list = Array.isArray(raw) ? raw.filter((c) => Number.isFinite(c?.at) && Number.isFinite(c?.amount) && Number.isFinite(c?.base)) : [];
+                list = Array.isArray(raw)
+                    ? raw.filter((c) => Number.isFinite(c?.at) && Number.isFinite(c?.amount) && Number.isFinite(c?.base))
+                        .map((c): OwnClaim => ({ at: c.at, amount: c.amount, base: c.base, ...(c.unknown === true ? { unknown: true as const } : {}) }))
+                    : [];
             } catch {
                 list = [];
             }
@@ -712,6 +737,24 @@ export class VestClient implements PlatformClient {
         return list;
     }
 
+    /** The claims this client knows went in (the platform said so). */
+    private madeClaims(accountId: number): OwnClaim[] {
+        return this.claimsOf(accountId).filter((c) => !c.unknown);
+    }
+
+    private saveClaims(accountId: number, list: OwnClaim[]): void {
+        const now = Date.now();
+        const kept = list.filter((c) => now - c.at < 7 * 86_400_000);
+        this.claims.set(accountId, kept);
+        saveAccountMeta(accountId, CLAIMS_META, JSON.stringify(kept));
+    }
+
+    /** Vest's transactions show the claim: a WITHDRAW of its amount near it. */
+    private claimShown(accountId: number, c: OwnClaim): boolean {
+        return (this.withdrawals.get(accountId) ?? [])
+            .some((w) => Math.abs(Math.abs(w.amount) - c.amount) < 0.01 && Math.abs(w.at - c.at) < CLAIM_MATCH_MS);
+    }
+
     /**
      * Today's realized P&L as the day plan wants it: since the latest claim
      * this client made since the last reset — the plan's new cycle starts
@@ -721,7 +764,7 @@ export class VestClient implements PlatformClient {
      */
     private realizedSince(accountId: number, a: VestCapitalAccount, balance: number, now: number): number {
         const reset = lastVestResetMs(now);
-        const mine = this.claimsOf(accountId).filter((c) => c.at >= reset);
+        const mine = this.madeClaims(accountId).filter((c) => c.at >= reset);
         if (mine.length > 0) return round2(balance - mine[mine.length - 1].base);
         const resetBalance = this.resetBalanceOf(a, balance, now);
         if (resetBalance === undefined) return 0;
@@ -734,7 +777,7 @@ export class VestClient implements PlatformClient {
      *  more (a claim made by hand shows only there). */
     public sameDayClaims(accountId: number): number {
         const reset = lastVestResetMs(Date.now());
-        const mine = this.claimsOf(accountId).filter((c) => c.at >= reset).length;
+        const mine = this.madeClaims(accountId).filter((c) => c.at >= reset).length;
         const seen = (this.withdrawals.get(accountId) ?? []).filter((w) => w.at >= reset).length;
         return Math.max(mine, seen);
     }
@@ -754,27 +797,49 @@ export class VestClient implements PlatformClient {
         const uuid = this.uuidById.get(accountId);
         const account = this.accountList.find((a) => a.id === accountId);
         const cash = this.accountCashBalances[accountId];
-        if (!uuid || !account || !cash) throw new Error('account not read yet');
+        const meta = this.capital.get(accountId);
+        if (!uuid || !account || !cash || !meta) throw new Error('account not read yet');
         if (!this.primaryAccountId) throw new Error('the main account is unknown — no sync has listed it');
         if (this.positions[accountId] || (this.openOrders.get(accountId) ?? []).length > 0) throw new Error('positions or orders open');
+        if (this.claimPending(accountId)) throw new Error("the last claim hasn't shown in Vest's transactions yet");
+        // Vest's own word over the account type assigned here: only a funded
+        // (or instant) account pays out, and only above its starting capital.
+        if (meta.kind !== 'funded' && !/instant/i.test(meta.productType)) {
+            throw new Error(`Vest shows ${account.name} as ${meta.kind || 'not funded'} — only a funded account's profit can be claimed`);
+        }
         const claimed = Math.floor(amount * 100) / 100;
         if (!(claimed >= 1)) throw new Error(`$${claimed} is below Vest's $1 minimum claim`);
+        if (meta.initialCapital > 0 && claimed > cash.amount - meta.initialCapital + 0.01) {
+            throw new Error(`$${claimed} is more than the $${round2(cash.amount - meta.initialCapital)} above Vest's starting capital of $${meta.initialCapital}`);
+        }
 
-        const { data } = await this.request<{ trader_amount?: unknown }>('trade', 'POST', '/v3/capital/withdraw', {
-            account: uuid,
-            body: {
-                account_id: uuid,
-                amount: formatDecimal(claimed, 6),
-                target_account_id: this.primaryAccountId,
-                idempotency_key: randomUUID(),
-            },
-        });
+        let data: { trader_amount?: unknown } | undefined;
+        try {
+            ({ data } = await this.request<{ trader_amount?: unknown }>('trade', 'POST', '/v3/capital/withdraw', {
+                account: uuid,
+                body: {
+                    account_id: uuid,
+                    amount: formatDecimal(claimed, 6),
+                    target_account_id: this.primaryAccountId,
+                    idempotency_key: randomUUID(),
+                },
+            }));
+        } catch (err) {
+            // Only a refusal proves nothing went in. A timeout, a reset or a
+            // 5xx may have: hold every further claim on the account until
+            // Vest's transactions say either way (claimPending).
+            if (!(err instanceof VestApiError && err.status >= 400 && err.status < 500 && err.status !== 408)) {
+                this.saveClaims(accountId, [...this.claimsOf(accountId), { at: Date.now(), amount: claimed, base: round2(cash.amount - claimed), unknown: true }]);
+                this.claimSeq.set(accountId, this.syncGeneration);
+                console.error(`${this.tag} ${account.name}: claim of $${claimed} — outcome unknown (${errorMessage(err)}); no further claim on it until Vest's transactions settle it`);
+                void this.fetchDaysTraded([accountId]).catch(() => { /* the hourly read retries */ });
+            }
+            throw err;
+        }
         const received = num(data?.trader_amount) ?? null;
         const now = Date.now();
-        const list = [...this.claimsOf(accountId), { at: now, amount: claimed, base: round2(cash.amount - claimed) }]
-            .filter((c) => now - c.at < 7 * 86_400_000);
-        this.claims.set(accountId, list);
-        saveAccountMeta(accountId, CLAIMS_META, JSON.stringify(list));
+        this.saveClaims(accountId, [...this.claimsOf(accountId), { at: now, amount: claimed, base: round2(cash.amount - claimed) }]);
+        this.claimSeq.set(accountId, this.syncGeneration);
 
         // Book it now: today's fund row (with whatever else that day holds),
         // the cycle cut, and the balance until the next sync reads Vest's.
@@ -785,10 +850,40 @@ export class VestClient implements PlatformClient {
         console.log(`${this.tag} ${account.name}: claimed $${claimed}${received !== null ? ` — $${received} to the main account` : ''}`);
 
         void this.fetchDaysTraded([accountId]).catch((err) => console.warn(`${this.tag} history after the claim failed: ${errorMessage(err)}`));
-        void this.requestSync();
+        // A fresh sync — after any one already out, whose reads predate this.
+        void this.syncRunning.then(() => this.requestSync());
         return { claimed, received };
     }
 
+    /**
+     * See PlatformClient: a claim of this client's that Vest's transactions
+     * don't show yet — until they do, the balance on hand can't be trusted
+     * not to show the claimed profit again. One whose outcome was unknown,
+     * and that a history read an hour on still doesn't show, never went in:
+     * it's dropped. One Vest accepted holds for as long as it doesn't show
+     * (noted once in the log after an hour).
+     */
+    public claimPending(accountId: number): boolean {
+        const now = Date.now();
+        const readAt = this.historyReadAt.get(accountId) ?? 0;
+        const list = this.claimsOf(accountId);
+        const lapsed = list.filter((c) => c.unknown && !this.claimShown(accountId, c) && readAt - c.at > UNKNOWN_CLAIM_EXPIRES_MS);
+        const name = this.accountList.find((a) => a.id === accountId)?.name ?? accountId;
+        if (lapsed.length > 0) {
+            this.saveClaims(accountId, list.filter((c) => !lapsed.includes(c)));
+            for (const c of lapsed) console.warn(`${this.tag} ${name}: the claim of $${c.amount} with an unknown outcome never showed on Vest — taken as not made`);
+        }
+        const pending = this.claimsOf(accountId).filter((c) => !this.claimShown(accountId, c));
+        for (const c of pending) {
+            const key = `${accountId}:${c.at}`;
+            if (!c.unknown && now - c.at > 60 * 60_000 && !this.unmatchedClaimLogged.has(key)) {
+                this.unmatchedClaimLogged.add(key);
+                console.error(`${this.tag} ${name}: the claim of $${c.amount} an hour ago still doesn't show in Vest's transactions — no further claim on this account until it does`);
+            }
+        }
+        return pending.length > 0;
+    }
+
     /**
      * Before each 20:00 ET reset, fit every open position on an account with
      * a daily limit into the room the reset will leave (resetSafeStop): a
@@ -1130,6 +1225,7 @@ export class VestClient implements PlatformClient {
             .sort((x, y) => x.date.localeCompare(y.date));
         this.applyFundRows(account, fundRows);
         this.withdrawals.set(account.id, txns.filter((t) => t.type === VEST_TXN.WITHDRAW).map((t) => ({ at: t.time, amount: t.amount })));
+        this.historyReadAt.set(account.id, Date.now());
 
         // Books check: the balance must be what the transactions add up to
         // (the opening capital included). A payout or credit booked under a