diff --git a/apps/console/src/app/Onboarding.tsx b/apps/console/src/app/Onboarding.tsx
index eedb775..fe69225 100644
--- a/apps/console/src/app/Onboarding.tsx
+++ b/apps/console/src/app/Onboarding.tsx
@@ -4,17 +4,19 @@
  * the org's managed treasury → land in the workspace. On Avalanche the KYB
  * decision and proof receipts are coordinated by services/api.
  */
-import { useEffect, useState } from "react";
+import { useEffect, useRef, useState } from "react";
 import { motion } from "framer-motion";
 import { BadgeCheck, Building2, Check, FileCheck2, Landmark, Loader2, ScanSearch, ShieldCheck, Sparkles, Users, Wallet } from "lucide-react";
 import { useAccount, useConnect, useDisconnect, useSignMessage, useSwitchChain } from "wagmi";
-import { api, type OnboardingDraft, type SiweNonceResponse } from "../lib/api";
+import type { OnboardingStatus, OrgSummary, ProvisionTreasuryResponse } from "@benzo/types";
+import { ACTIVE_ORG_KEY, api, type OnboardingStatusSubscription, type SiweNonceResponse } from "../lib/api";
 import { friendlyError } from "../lib/format";
 import { CHAIN_ID, NETWORK_LABEL } from "../lib/network";
+import { useConsole } from "../lib/store";
 import { Logo } from "../ui/Logo";
 import { StageVideo } from "../ui/StageVideo";
 import { EASE } from "../ui/motion";
-import { Button, Card, Pill } from "../ui/primitives";
+import { Button, Card } from "../ui/primitives";
 import { Field, Input, Select, useToast } from "../ui/controls";
 
 // Team is intentionally NOT a step: it collected nothing and gated nothing (a
@@ -32,7 +34,8 @@ const STEPS = [
 type StepKey = (typeof STEPS)[number]["key"];
 
 export function Onboarding({ onDone }: { onDone: () => void }) {
-  return <AuthShell onAuthed={onDone} />;
+  const { session } = useConsole();
+  return session ? <Wizard onDone={onDone} /> : <AuthShell onAuthed={onDone} />;
 }
 
 // ----------------------------------------------------------------- auth / SIWE
@@ -130,52 +133,144 @@ function AuthShell({ onAuthed }: { onAuthed: () => void }) {
 }
 
 // ----------------------------------------------------------------- wizard
+interface BusinessDraft {
+  name?: string;
+  legalName?: string;
+  country?: string;
+  entityType?: string;
+  registrationNumber?: string;
+  taxId?: string;
+  complianceZoneId?: string;
+}
+
+type BusyState = "org" | "onboarding" | "treasury" | "finish" | null;
+
+const EERC_STEPS = [
+  { key: "kyc", label: "KYC approval", icon: FileCheck2 },
+  { key: "allowlist", label: "Address allowlist", icon: ShieldCheck },
+  { key: "gas", label: "Gas drip", icon: Landmark },
+  { key: "registration", label: "eERC registration", icon: Wallet },
+] as const;
+
 export function Wizard({ onDone }: { onDone: () => void }) {
   const toast = useToast();
+  const { refresh } = useConsole();
+  const streamRef = useRef<OnboardingStatusSubscription | null>(null);
   const [stepIdx, setStepIdx] = useState(0);
-  const [draft, setDraft] = useState<OnboardingDraft>({ country: "US", entityType: "C-Corp", complianceZoneId: "zone_us" });
-  const [kyb, setKyb] = useState<OnboardingDraft["kyb"] | null>(null);
-  const [mvk, setMvk] = useState<OnboardingDraft["mvk"] | null>(null);
-  const [busy, setBusy] = useState(false);
+  const [draft, setDraft] = useState<BusinessDraft>({ country: "US", entityType: "C-Corp", complianceZoneId: "zone_us" });
+  const [createdOrg, setCreatedOrg] = useState<OrgSummary | null>(null);
+  const [onboarding, setOnboarding] = useState<OnboardingStatus | null>(null);
+  const [onboardingError, setOnboardingError] = useState<string | null>(null);
+  const [treasury, setTreasury] = useState<ProvisionTreasuryResponse | null>(null);
+  const [busy, setBusy] = useState<BusyState>(null);
   const step = STEPS[stepIdx];
-  const set = (p: Partial<OnboardingDraft>) => setDraft((d) => ({ ...d, ...p }));
+  const set = (p: Partial<BusinessDraft>) => setDraft((d) => ({ ...d, ...p }));
+  const slug = slugify(draft.name ?? "");
+  const onboardingComplete = onboarding?.status === "complete";
 
   const canNext =
-    step.key === "org" ? !!draft.name && !!draft.legalName :
-    step.key === "kyb" ? kyb?.status === "approved" :
-    step.key === "treasury" ? !!mvk :
+    step.key === "org" ? !!draft.name?.trim() :
+    step.key === "kyb" ? onboardingComplete :
+    step.key === "treasury" ? !!treasury?.address :
     true;
 
+  useEffect(() => () => streamRef.current?.close(), []);
+
+  async function createOrg() {
+    if (createdOrg) return true;
+    const name = draft.name?.trim();
+    if (!name) return false;
+    setBusy("org");
+    try {
+      const { org } = await api.createOrg({ name, slug });
+      localStorage.setItem(ACTIVE_ORG_KEY, org.id);
+      setCreatedOrg(org);
+      toast({ title: "Workspace created", tone: "success" });
+      return true;
+    } catch (e) {
+      toast({ title: friendlyError(e), tone: "danger" });
+      return false;
+    } finally {
+      setBusy(null);
+    }
+  }
+
   async function next() {
+    if (step.key === "org") {
+      const ok = await createOrg();
+      if (!ok) return;
+    }
     if (stepIdx < STEPS.length - 1) {
-      // persist draft as we go (resumable) - if the save fails, let them keep going
-      // but warn so they know progress might not be picked up if they reload.
-      void api.saveOnboarding(draft).catch(() =>
-        toast({ title: "Couldn't save your progress - you can keep going, but it may not resume if you reload.", tone: "danger" }),
-      );
       setStepIdx((i) => i + 1);
     } else {
-      setBusy(true);
+      setBusy("finish");
       try {
-        await api.finishOnboarding();
+        await refresh();
         onDone();
       } catch (e) {
         toast({ title: friendlyError(e), tone: "danger" });
-        setBusy(false);
+      } finally {
+        setBusy(null);
       }
     }
   }
 
-  async function registerMvk() {
-    setBusy(true);
+  async function runOnboarding() {
+    streamRef.current?.close();
+    setBusy("onboarding");
+    setOnboardingError(null);
     try {
-      const r = await api.provisionTreasury();
-      setMvk(r);
-      toast({ title: r.onChain ? "Your managed treasury is ready" : "Treasury request prepared, but network registration did not complete", tone: r.onChain ? "success" : "danger" });
+      const started = await api.startOnboarding({ name: draft.legalName?.trim() || draft.name?.trim(), country: draft.country });
+      setOnboarding(started.onboarding);
+      if (started.onboarding.status === "failed") {
+        setOnboardingError(started.onboarding.error ?? "eERC onboarding failed.");
+        setBusy(null);
+        return;
+      }
+      if (started.onboarding.status === "complete") {
+        setBusy(null);
+        return;
+      }
+      streamRef.current = api.subscribeOnboardingStatus(
+        (status) => {
+          setOnboarding(status);
+          if (status.status === "failed") {
+            setOnboardingError(status.error ?? "eERC onboarding failed.");
+            setBusy(null);
+            streamRef.current = null;
+          }
+          if (status.status === "complete") {
+            setBusy(null);
+            streamRef.current = null;
+          }
+        },
+        (error) => setOnboardingError(friendlyError(error, "Waiting for eERC onboarding status.")),
+      );
+    } catch (e) {
+      toast({ title: friendlyError(e), tone: "danger" });
+      setBusy(null);
+    }
+  }
+
+  async function provisionTreasury() {
+    const orgId = createdOrg?.id;
+    if (!orgId) {
+      setStepIdx(0);
+      toast({ title: "Create the workspace before provisioning treasury.", tone: "danger" });
+      return;
+    }
+    setBusy("treasury");
+    try {
+      const response = await api.provisionTreasury(orgId);
+      setTreasury(response);
+      toast({
+        title: response.registered ? "Your managed treasury is ready" : "Treasury provisioned, registration is still pending",
+        tone: response.registered ? "success" : "danger",
+      });
     } catch (e) {
       toast({ title: friendlyError(e), tone: "danger" });
     } finally {
-      setBusy(false);
+      setBusy(null);
     }
   }
 
@@ -206,24 +301,32 @@ export function Wizard({ onDone }: { onDone: () => void }) {
           <motion.div key={step.key} initial={{ opacity: 0, y: 8 }} animate={{ opacity: 1, y: 0 }} transition={{ duration: 0.25, ease: EASE }} className="flex-1">
               {step.key === "org" ? (
                 <Step title="About your business" hint="The legal entity that will hold the treasury.">
-                  <Field label="Business name"><Input value={draft.name ?? ""} maxLength={80} onChange={(e) => set({ name: e.target.value })} placeholder="Company name" data-testid="org-name" /></Field>
-                  <Field label="Legal name"><Input value={draft.legalName ?? ""} maxLength={80} onChange={(e) => set({ legalName: e.target.value })} placeholder="Legal company name" data-testid="org-legal" /></Field>
+                  <Field label="Business name"><Input value={draft.name ?? ""} maxLength={80} onChange={(e) => set({ name: e.target.value })} placeholder="Company name" data-testid="org-name" disabled={!!createdOrg} /></Field>
+                  <Field label="Legal name"><Input value={draft.legalName ?? ""} maxLength={80} onChange={(e) => set({ legalName: e.target.value })} placeholder="Legal company name" data-testid="org-legal" disabled={!!createdOrg} /></Field>
                   <div className="grid grid-cols-2 gap-3">
-                    <Select label="Country" value={draft.country} onChange={(e) => set({ country: e.target.value })}>
+                    <Select label="Country" value={draft.country} onChange={(e) => set({ country: e.target.value })} disabled={!!createdOrg}>
                       <option value="US">United States</option><option value="GB">United Kingdom</option><option value="DE">Germany</option><option value="SG">Singapore</option>
                     </Select>
-                    <Select label="Entity type" value={draft.entityType} onChange={(e) => set({ entityType: e.target.value })}>
+                    <Select label="Entity type" value={draft.entityType} onChange={(e) => set({ entityType: e.target.value })} disabled={!!createdOrg}>
                       <option>C-Corp</option><option>LLC</option><option>Ltd</option><option>GmbH</option>
                     </Select>
                   </div>
+                  <div className="rounded-xl border border-border bg-surface px-3.5 py-2.5 text-[12px] text-muted">
+                    Workspace slug <span className="font-mono font-semibold text-ink" data-testid="org-slug">{slug || "company-name"}</span>
+                  </div>
+                  {createdOrg ? (
+                    <div className="rounded-xl border border-success/25 bg-success/[0.06] p-3.5 text-[13px] font-semibold text-[#1d7a52]">
+                      <Check size={15} className="mr-1.5 inline" /> {createdOrg.name} is active for this setup.
+                    </div>
+                  ) : null}
                 </Step>
               ) : step.key === "kyb" ? (
-                <Step title="Verify your business (KYB)" hint="Business registration + beneficial-owner screening. The decision is recorded as an auditable attestation.">
+                <Step title="Run eERC onboarding" hint="Benzo approves KYC, allowlists your wallet, drips gas, and waits for eERC registration.">
                   <div className="grid grid-cols-2 gap-3">
-                    <Field label="Registration #"><Input value={draft.registrationNumber ?? ""} onChange={(e) => set({ registrationNumber: e.target.value })} placeholder="Registration number" disabled={kyb?.status === "approved"} /></Field>
-                    <Field label="Tax ID (EIN)"><Input value={draft.taxId ?? ""} onChange={(e) => set({ taxId: e.target.value })} placeholder="Tax identifier" disabled={kyb?.status === "approved"} /></Field>
+                    <Field label="Registration #"><Input value={draft.registrationNumber ?? ""} onChange={(e) => set({ registrationNumber: e.target.value })} placeholder="Registration number" disabled={busy === "onboarding" || onboardingComplete} /></Field>
+                    <Field label="Tax ID (EIN)"><Input value={draft.taxId ?? ""} onChange={(e) => set({ taxId: e.target.value })} placeholder="Tax identifier" disabled={busy === "onboarding" || onboardingComplete} /></Field>
                   </div>
-                  <KybVerify draft={draft} kyb={kyb} onVerified={setKyb} onError={(m) => toast({ title: m, tone: "danger" })} />
+                  <EercOnboarding onboarding={onboarding} busy={busy === "onboarding"} error={onboardingError} onRun={runOnboarding} />
                 </Step>
               ) : step.key === "zone" ? (
                 <Step title="Where money can move" hint="Pick the regions you operate in. We only let funds move to approved, compliant destinations.">
@@ -236,13 +339,14 @@ export function Wizard({ onDone }: { onDone: () => void }) {
                 </Step>
               ) : step.key === "treasury" ? (
                 <Step title="Provision your managed treasury" hint="Benzo creates the managed treasury and scoped read material your team uses for reporting and auditor proofs.">
-                  {mvk ? (
+                  {treasury ? (
                     <div className="rounded-xl border border-success/25 bg-success/[0.06] p-4" data-testid="mvk-result">
-                      <div className="flex items-center gap-2 text-[14px] font-semibold text-[#1d7a52]"><Check size={16} /> Your managed treasury is ready{mvk.onChain ? "" : " · network registration pending"}</div>
-                      {mvk.txHash ? <div className="mt-1 break-all font-mono text-[11px] text-muted">ref {mvk.txHash}</div> : null}
+                      <div className="flex items-center gap-2 text-[14px] font-semibold text-[#1d7a52]"><Check size={16} /> Your managed treasury is ready{treasury.registered ? "" : " · registration pending"}</div>
+                      <div className="mt-2 break-all font-mono text-[11px] text-muted">address {treasury.address}</div>
+                      {treasury.registrationTxHash ? <div className="mt-1 break-all font-mono text-[11px] text-muted">eERC registration {treasury.registrationTxHash}</div> : null}
                     </div>
                   ) : (
-                    <Button loading={busy} onClick={registerMvk} data-testid="mvk-register"><ShieldCheck size={16} /> Provision treasury</Button>
+                    <Button loading={busy === "treasury"} onClick={provisionTreasury} data-testid="mvk-register"><ShieldCheck size={16} /> Provision treasury</Button>
                   )}
                 </Step>
               ) : (
@@ -251,9 +355,10 @@ export function Wizard({ onDone }: { onDone: () => void }) {
                     <Row k="Business" v={draft.name ?? "Not set"} />
                     <Row k="Legal" v={draft.legalName ?? "Not set"} />
                     <Row k="Country" v={draft.country ?? "Not set"} />
-                    <Row k="KYB" v={kyb?.status === "approved" ? (kyb.onChain ? "Verified on-chain" : "Verified") : "Pending"} />
+                    <Row k="eERC onboarding" v={onboardingStatusLabel(onboarding)} />
                     <Row k="Compliance" v={draft.complianceZoneId === "zone_eu" ? "European Union" : "United States"} />
-                    <Row k="Managed treasury" v={mvk?.onChain ? "Ready" : mvk ? "Registration pending" : "Not set up"} />
+                    <Row k="Treasury address" v={treasury?.address ?? "Not set up"} />
+                    <Row k="eERC registration tx" v={treasury?.registrationTxHash ?? "Pending"} />
                   </div>
                   <div className="flex items-start gap-2.5 rounded-xl border border-dashed border-border p-3.5 text-[12.5px] text-muted">
                     <Users size={15} className="mt-px flex-none text-primary" />
@@ -265,7 +370,7 @@ export function Wizard({ onDone }: { onDone: () => void }) {
 
           <div className="mt-6 flex items-center justify-between">
             <button onClick={() => setStepIdx((i) => Math.max(0, i - 1))} disabled={stepIdx === 0} className="text-[13px] font-semibold text-muted disabled:opacity-40">Back</button>
-            <Button onClick={next} disabled={!canNext} loading={busy && stepIdx === STEPS.length - 1} data-testid={stepIdx === STEPS.length - 1 ? "onboarding-finish" : "wizard-next"}>
+            <Button onClick={next} disabled={!canNext || busy !== null} loading={busy === "org" || busy === "finish"} data-testid={stepIdx === STEPS.length - 1 ? "onboarding-finish" : "wizard-next"}>
               {stepIdx === STEPS.length - 1 ? "Enter workspace" : "Continue"}
             </Button>
           </div>
@@ -275,114 +380,98 @@ export function Wizard({ onDone }: { onDone: () => void }) {
   );
 }
 
-// ----------------------------------------------------------------- KYB (on-chain)
-// The crafted verification moment. The checks animate while the REAL on-chain
-// attestation is posted (org_account, issuer-signed); the verified panel reflects
-// the on-chain decision read back from chain. Honest: no backend flag, a real tx.
-const KYB_STEPS = [
-  { label: "Business registration", icon: FileCheck2 },
-  { label: "Beneficial owners", icon: Users },
-  { label: "Sanctions / OFAC screen", icon: ScanSearch },
-  { label: "Posting decision on-chain", icon: Landmark },
-] as const;
-
-function KybVerify({
-  draft, kyb, onVerified, onError,
+// ----------------------------------------------------------------- eERC onboarding
+function EercOnboarding({
+  onboarding, busy, error, onRun,
 }: {
-  draft: OnboardingDraft;
-  kyb: OnboardingDraft["kyb"] | null;
-  onVerified: (k: NonNullable<OnboardingDraft["kyb"]>) => void;
-  onError: (m: string) => void;
+  onboarding: OnboardingStatus | null;
+  busy: boolean;
+  error: string | null;
+  onRun: () => void;
 }) {
-  const [phase, setPhase] = useState<"idle" | "verifying" | "done">(kyb?.status === "approved" ? "done" : "idle");
-  const [lit, setLit] = useState(0); // how many of the first 3 screening checks have completed
-
-  async function run() {
-    setPhase("verifying");
-    setLit(0);
-    // Play the first three screening checks on a cadence; the 4th (on-chain) stays
-    // pending until the real attestation tx resolves.
-    const timers = [0, 1, 2].map((i) => setTimeout(() => setLit(i + 1), 650 * (i + 1)));
-    try {
-      const r = await api.submitKyb(draft);
-      timers.forEach(clearTimeout);
-      setLit(3);
-      if (r.status !== "approved") {
-        setPhase("idle");
-        onError("Verification did not pass. Please check the details and try again.");
-        return;
-      }
-      onVerified(r);
-      // brief beat so the on-chain step visibly completes before the reveal
-      setTimeout(() => setPhase("done"), 360);
-    } catch {
-      timers.forEach(clearTimeout);
-      setPhase("idle");
-      onError("Couldn't post the verification on-chain. Please try again.");
-    }
-  }
-
-  if (phase === "done" && kyb?.status === "approved") {
-    const ref = kyb.txHash ? `${kyb.txHash.slice(0, 8)}…${kyb.txHash.slice(-6)}` : kyb.inquiryRef;
-    return (
-      <motion.div
-        initial={{ opacity: 0, y: 8 }} animate={{ opacity: 1, y: 0 }} transition={{ duration: 0.3, ease: EASE }}
-        className="rounded-xl border border-success/25 bg-success/[0.06] p-4" data-testid="kyb-result"
-      >
-        <div className="flex items-center gap-2.5">
-          <span className="flex h-9 w-9 flex-none items-center justify-center rounded-full bg-success/15 text-[#1d7a52]"><BadgeCheck size={19} /></span>
-          <div className="leading-tight">
-            <div className="text-[14px] font-semibold text-[#1d7a52]">Verified {kyb.onChain ? "on-chain" : ""}</div>
-            <div className="text-[12px] text-muted">{kyb.provider}</div>
-          </div>
-        </div>
-        <div className="mt-3 flex flex-wrap gap-1.5">{kyb.checks.map((c) => <Pill key={c} tone="success">{c.replace(/_/g, " ")}</Pill>)}</div>
-        {kyb.onChain ? (
-          <div className="mt-3 flex items-center gap-1.5 rounded-lg bg-[#f4f3ef] px-2.5 py-1.5 font-mono text-[11px] text-muted" title="org_account.attest_kyb reference">
-            <Landmark size={12} className="text-primary" /> org_account · ref {ref}
-          </div>
-        ) : null}
-        <div className="mt-2 text-[11.5px] text-muted">
-          Signed by the KYB issuer key and recorded in <b>org_account</b>. The console reads this decision from the chain, not from a backend flag.
-        </div>
-      </motion.div>
-    );
-  }
-
-  if (phase === "verifying") {
+  if (!onboarding) {
     return (
-      <div className="rounded-xl border border-border bg-surface p-4" data-testid="kyb-verifying">
-        <div className="space-y-2.5">
-          {KYB_STEPS.map((s, i) => {
-            const isChain = i === 3;
-            const done = isChain ? false : i < lit;
-            const active = isChain ? lit >= 3 : i === lit;
-            return (
-              <div key={s.label} className="flex items-center gap-3">
-                <motion.span
-                  animate={{ scale: done ? 1 : 0.92 }}
-                  className={`flex h-6 w-6 flex-none items-center justify-center rounded-full ${done ? "bg-success/15 text-[#1d7a52]" : active ? "bg-primary/10 text-primary" : "bg-border/50 text-muted"}`}
-                >
-                  {done ? <Check size={13} /> : active ? <Loader2 size={13} className="animate-spin" /> : <s.icon size={12} />}
-                </motion.span>
-                <span className={`text-[13px] ${done ? "text-ink" : active ? "font-medium text-ink" : "text-muted"}`}>{s.label}</span>
-              </div>
-            );
-          })}
-        </div>
-        <div className="mt-3 text-[11.5px] text-muted">Recording the decision in org_account. This is a real transaction and takes a few seconds.</div>
+      <div className="rounded-xl border border-dashed border-border p-4">
+        <div className="flex items-center gap-2 text-[13px] text-muted"><ShieldCheck size={15} className="text-primary" /> Start the eERC setup for your signed-in wallet.</div>
+        <Button variant="outline" className="mt-3" loading={busy} onClick={onRun} data-testid="kyb-run"><ScanSearch size={15} /> Run eERC onboarding</Button>
+        {error ? <p className="mt-3 text-[12px] text-danger">{error}</p> : null}
       </div>
     );
   }
 
+  const activeIndex = EERC_STEPS.findIndex((s) => !stepDone(onboarding, s.key));
+  const done = onboarding.status === "complete";
+
   return (
-    <div className="rounded-xl border border-dashed border-border p-4">
-      <div className="flex items-center gap-2 text-[13px] text-muted"><ShieldCheck size={15} className="text-primary" /> We screen your registration and owners, then record the decision on-chain.</div>
-      <Button variant="outline" className="mt-3" onClick={run} data-testid="kyb-run"><ScanSearch size={15} /> Run verification</Button>
+    <div className={`rounded-xl border p-4 ${done ? "border-success/25 bg-success/[0.06]" : onboarding.status === "failed" ? "border-danger/30 bg-danger/[0.04]" : "border-border bg-surface"}`} data-testid={done ? "kyb-result" : "kyb-verifying"}>
+      <div className="flex items-center gap-2.5">
+        <span className={`flex h-9 w-9 flex-none items-center justify-center rounded-full ${done ? "bg-success/15 text-[#1d7a52]" : onboarding.status === "failed" ? "bg-danger/10 text-danger" : "bg-primary/10 text-primary"}`}>
+          {done ? <BadgeCheck size={19} /> : busy ? <Loader2 size={17} className="animate-spin" /> : <ShieldCheck size={17} />}
+        </span>
+        <div className="min-w-0 leading-tight">
+          <div className={`text-[14px] font-semibold ${done ? "text-[#1d7a52]" : onboarding.status === "failed" ? "text-danger" : "text-ink"}`}>{onboardingStatusLabel(onboarding)}</div>
+          <div className="break-all font-mono text-[11px] text-muted">{onboarding.address} · chain {onboarding.chainId}</div>
+        </div>
+      </div>
+      <div className="mt-4 space-y-2.5">
+        {EERC_STEPS.map((s, i) => {
+          const complete = stepDone(onboarding, s.key);
+          const active = !done && onboarding.status !== "failed" && (activeIndex === -1 ? i === EERC_STEPS.length - 1 : i === activeIndex);
+          const txHash = stepTx(onboarding, s.key);
+          return (
+            <div key={s.key} className="flex items-start gap-3">
+              <motion.span
+                animate={{ scale: complete ? 1 : 0.92 }}
+                className={`mt-0.5 flex h-6 w-6 flex-none items-center justify-center rounded-full ${complete ? "bg-success/15 text-[#1d7a52]" : active ? "bg-primary/10 text-primary" : "bg-border/50 text-muted"}`}
+              >
+                {complete ? <Check size={13} /> : active ? <Loader2 size={13} className="animate-spin" /> : <s.icon size={12} />}
+              </motion.span>
+              <div className="min-w-0 flex-1">
+                <div className={`text-[13px] ${complete ? "text-ink" : active ? "font-medium text-ink" : "text-muted"}`}>{s.label}</div>
+                {txHash ? <div className="mt-0.5 break-all font-mono text-[11px] text-muted">tx {txHash}</div> : null}
+              </div>
+            </div>
+          );
+        })}
+      </div>
+      {error || onboarding.error ? <p className="mt-3 text-[12px] text-danger">{error ?? onboarding.error}</p> : null}
+      {done ? <div className="mt-3 text-[11.5px] text-muted">The wallet is approved for eERC private transfers. Treasury provisioning can now register the managed account.</div> : null}
     </div>
   );
 }
 
+function slugify(input: string): string {
+  return input
+    .trim()
+    .toLowerCase()
+    .normalize("NFKD")
+    .replace(/[\u0300-\u036f]/g, "")
+    .replace(/[^a-z0-9]+/g, "-")
+    .replace(/^-+|-+$/g, "")
+    .replace(/-{2,}/g, "-") || "workspace";
+}
+
+function onboardingStatusLabel(onboarding: OnboardingStatus | null): string {
+  if (!onboarding) return "Not started";
+  return {
+    pending_kyc: "KYC pending",
+    kyc_approved: "KYC approved",
+    allowlisted: "Wallet allowlisted",
+    gas_dripped: "Gas dripped",
+    awaiting_registration: "Awaiting registration",
+    complete: "Complete",
+    failed: "Failed",
+  }[onboarding.status];
+}
+
+function stepDone(onboarding: OnboardingStatus, key: (typeof EERC_STEPS)[number]["key"]): boolean {
+  return !!onboarding.steps[key].completedAt;
+}
+
+function stepTx(onboarding: OnboardingStatus, key: (typeof EERC_STEPS)[number]["key"]): string | null {
+  return key === "allowlist" || key === "gas" ? onboarding.steps[key].txHash : null;
+}
+
 function Step({ title, hint, children }: { title: string; hint: string; children: React.ReactNode }) {
   return (
     <div>
diff --git a/apps/console/src/app/RootGate.tsx b/apps/console/src/app/RootGate.tsx
index 93874dc..b3a1c46 100644
--- a/apps/console/src/app/RootGate.tsx
+++ b/apps/console/src/app/RootGate.tsx
@@ -1,9 +1,9 @@
 /**
- * RootGate - decides between SIWE sign-in and the workspace. Real mode trusts the
- * cookie-backed /auth/me probe in the store; demo mode keeps the old local
- * onboarding flag so the seeded showcase still boots straight into the shell.
+ * RootGate - decides between SIWE sign-in, no-org onboarding, and the workspace.
+ * Real mode trusts the cookie-backed /auth/me probe in the store; demo mode keeps
+ * the old local onboarding flag so the seeded showcase still boots into the shell.
  */
-import { useState } from "react";
+import { useEffect, useState } from "react";
 import { Shell } from "./Shell";
 import { Onboarding } from "./Onboarding";
 import { DesktopOnly, useIsDesktop } from "./DesktopOnly";
@@ -16,11 +16,23 @@ export function RootGate() {
   // Demo mode skips SIWE onboarding entirely and boots into the Shell (the
   // desktop-only gate below still applies — this stays a desktop product).
   const [onboarded, setOnboarded] = useState(() => DEMO_MODE || localStorage.getItem("benzo.console.onboarded") === "1");
+  const [orgOnboarding, setOrgOnboarding] = useState(false);
   function finish() {
     localStorage.setItem("benzo.console.onboarded", "1");
     setOnboarded(true);
     void refresh();
   }
+  function finishOrgOnboarding() {
+    setOrgOnboarding(false);
+    void refresh();
+  }
+  useEffect(() => {
+    if (!session) {
+      setOrgOnboarding(false);
+      return;
+    }
+    if (!session.activeOrg) setOrgOnboarding(true);
+  }, [session]);
   if (!isDesktop) return <DesktopOnly />;
   if (DEMO_MODE) return onboarded ? <Shell /> : <Onboarding onDone={finish} />;
   if (loading && !session) {
@@ -30,5 +42,6 @@ export function RootGate() {
       </div>
     );
   }
-  return session ? <Shell /> : <Onboarding onDone={() => void refresh()} />;
+  if (session && (orgOnboarding || !session.activeOrg)) return <Onboarding onDone={finishOrgOnboarding} />;
+  return session?.activeOrg ? <Shell /> : <Onboarding onDone={() => void refresh()} />;
 }
diff --git a/apps/console/src/demo/api.ts b/apps/console/src/demo/api.ts
index cbe46d1..3ea5223 100644
--- a/apps/console/src/demo/api.ts
+++ b/apps/console/src/demo/api.ts
@@ -8,9 +8,14 @@
  */
 import type {
   Counterparty,
+  CreateOrgResponse,
   Invoice,
+  OnboardingStatus,
+  OnboardingStatusResponse,
   PaymentOrder,
   PayrollBatch,
+  ProvisionTreasuryResponse,
+  StartOnboardingResponse,
   ViewingGrant,
 } from "@benzo/types";
 import type {
@@ -30,6 +35,7 @@ import { createDemoDb, dashboardSummary, treasuryView, usd } from "./data";
 // PURE-annotated so a normal build (DEMO_MODE folds to false → demoApi unused)
 // tree-shakes the entire demo graph away, leaving the production bundle unchanged.
 const db = /* @__PURE__ */ createDemoDb();
+let demoMockKyc: { name?: string; country?: string } | undefined;
 
 // ---- fake-chain helpers ---------------------------------------------------
 function randHex(len: number): string {
@@ -65,6 +71,7 @@ const byId = <T extends { id: string }>(arr: T[], id: string) => arr.find((x) =>
 const READ = 140;
 const PROVE = 640;
 const SETTLE = 720;
+const ONBOARDING_STEP = 520;
 
 function activeOrg() {
   const org = db.session.activeOrg;
@@ -72,6 +79,38 @@ function activeOrg() {
   return org;
 }
 
+const ONBOARDING_STATUSES = ["pending_kyc", "kyc_approved", "allowlisted", "gas_dripped", "awaiting_registration", "complete"] as const;
+
+function setDemoOnboardingStatus(status: OnboardingStatus["status"], mockKycPayload?: { name?: string; country?: string }): OnboardingStatus {
+  const order = ONBOARDING_STATUSES.indexOf(status as (typeof ONBOARDING_STATUSES)[number]);
+  const timestamp = now();
+  const kycDone = order >= 1;
+  const allowlistDone = order >= 2;
+  const gasDone = order >= 3;
+  const registrationChecked = order >= 4;
+  const registrationDone = order >= 5;
+  db.onboardingStatus = {
+    ...db.onboardingStatus,
+    status,
+    error: status === "failed" ? db.onboardingStatus.error ?? "Onboarding failed." : null,
+    updatedAt: timestamp,
+    mockKyc: kycDone
+      ? {
+        approvedAt: timestamp,
+        payload: mockKycPayload ?? db.onboardingStatus.mockKyc?.payload ?? {},
+        provider: "demo",
+      }
+      : null,
+    steps: {
+      kyc: { completedAt: kycDone ? timestamp : null, provider: kycDone ? "demo" : null },
+      allowlist: { completedAt: allowlistDone ? timestamp : null, result: allowlistDone ? { ok: true } : null, txHash: allowlistDone ? fakeTx() : null },
+      gas: { completedAt: gasDone ? timestamp : null, result: gasDone ? { ok: true } : null, txHash: gasDone ? fakeTx() : null },
+      registration: { completedAt: registrationDone ? timestamp : null, lastCheckedAt: registrationChecked ? timestamp : null },
+    },
+  };
+  return clone(db.onboardingStatus);
+}
+
 export const demoApi = {
   // ---- session / status ---------------------------------------------------
   session: async () => (await delay(READ), clone(db.session)),
@@ -380,14 +419,54 @@ export const demoApi = {
     return clone(p);
   },
 
-  // ---- onboarding / auth (unused: demo boots straight into the Shell) -----
-  onboarding: async () => ({}),
-  saveOnboarding: async (patch: unknown) => patch as Record<string, unknown>,
-  submitKyb: async () => ({ status: "approved" as const, provider: "demo", inquiryRef: `kyb_${randHex(6)}`, checks: ["identity", "sanctions"], onChain: true, txHash: fakeTx() }),
-  kybStatus: async () => ({ status: "approved" as const, inquiryRef: `kyb_${randHex(6)}`, onChain: true }),
-  provisionTreasury: async () => ({ onChain: true, txHash: fakeTx(), mvkRoot: fakeRoot(), treasuryAddress: db.publicAddress }),
-  registerOwnerMvk: async () => ({ onChain: true, txHash: fakeTx(), mvkRoot: fakeRoot() }),
-  finishOnboarding: async () => clone(db.session),
+  // ---- onboarding / auth -------------------------------------------------
+  createOrg: async (body: { name: string; slug: string }): Promise<CreateOrgResponse> => {
+    await delay(READ);
+    const org = { id: `org_${randHex(6)}`, name: body.name, slug: body.slug, role: "owner" as const, createdAt: now() };
+    db.session.orgs = [org, ...db.session.orgs.filter((existing) => existing.id !== org.id)];
+    db.session.activeOrg = org;
+    db.session.role = "owner";
+    return { org: clone(org), role: "owner" };
+  },
+  startOnboarding: async (mockKyc?: { name?: string; country?: string }): Promise<StartOnboardingResponse> => {
+    await delay(READ);
+    demoMockKyc = mockKyc;
+    db.onboardingStatus = {
+      ...db.onboardingStatus,
+      id: `onb_${randHex(6)}`,
+      status: "pending_kyc",
+      error: null,
+      createdAt: now(),
+      updatedAt: now(),
+      mockKyc: null,
+      steps: {
+        kyc: { completedAt: null, provider: null },
+        allowlist: { completedAt: null, result: null, txHash: null },
+        gas: { completedAt: null, result: null, txHash: null },
+        registration: { completedAt: null, lastCheckedAt: null },
+      },
+    };
+    return { jobId: `job_${randHex(8)}`, onboarding: clone(db.onboardingStatus) };
+  },
+  onboardingStatus: async (): Promise<OnboardingStatusResponse> => (await delay(READ), { onboarding: clone(db.onboardingStatus) }),
+  subscribeOnboardingStatus: (onStatus: (onboarding: OnboardingStatus) => void): { close: () => void } => {
+    let closed = false;
+    const timers = ONBOARDING_STATUSES.map((status, index) => window.setTimeout(() => {
+      if (closed) return;
+      onStatus(setDemoOnboardingStatus(status, demoMockKyc));
+    }, index * ONBOARDING_STEP));
+    return {
+      close: () => {
+        closed = true;
+        timers.forEach((timer) => window.clearTimeout(timer));
+      },
+    };
+  },
+  provisionTreasury: async (_orgId: string): Promise<ProvisionTreasuryResponse> => {
+    await delay(SETTLE);
+    db.treasuryProvision = { ...db.treasuryProvision, registered: true, consented: true, registrationTxHash: fakeTx() };
+    return clone(db.treasuryProvision);
+  },
   orgs: async () => ({ orgs: clone(db.session.orgs) }),
   siweNonce: async () => ({ nonce: randHex(16) }),
   siweVerify: async () => ({ user: clone(db.session.user) }),
diff --git a/apps/console/src/demo/data.ts b/apps/console/src/demo/data.ts
index fe5524e..3a9386d 100644
--- a/apps/console/src/demo/data.ts
+++ b/apps/console/src/demo/data.ts
@@ -15,8 +15,10 @@ import type {
   LedgerEntry,
   LiveStatusResponse,
   Member,
+  OnboardingStatus,
   PaymentOrder,
   PayrollBatch,
+  ProvisionTreasuryResponse,
   TreasuryView,
   ViewingGrant,
 } from "@benzo/types";
@@ -46,6 +48,8 @@ export interface DemoDb {
   integrations: Integration[];
   invites: OrgInvite[];
   ledger: LedgerEntry[];
+  onboardingStatus: OnboardingStatus;
+  treasuryProvision: ProvisionTreasuryResponse;
   /** Private (shielded) pool total, minor units — grows when "Make private" runs. */
   privateTotal: string;
   /** Public liquid USDC balance, minor units. */
@@ -64,6 +68,7 @@ const shielded = (handle: string, spend: string) => ({
 });
 
 export function createDemoDb(): DemoDb {
+  const publicAddress = "0x9Fb2c7A11e4D3f6B8a0C15e2D9f4A7c3B6e1D8a2";
   const owner: Member = {
     id: "mem_owner",
     orgId: ORG_ID,
@@ -338,6 +343,33 @@ export function createDemoDb(): DemoDb {
     { id: "vg_1", kind: "grant", title: "Grant Thornton LLP · Q2", status: "active", amountLabel: "—", at: ISO("2026-07-01T00:00:00Z") },
   ];
 
+  const onboardingStatus: OnboardingStatus = {
+    id: "onb_demo",
+    userId: owner.id,
+    address: DEMO_OWNER_ADDRESS,
+    chainEnv: "demo",
+    chainId: 43113,
+    status: "complete",
+    error: null,
+    createdAt: ISO("2026-02-03"),
+    updatedAt: ISO("2026-02-03T00:05:00Z"),
+    mockKyc: { approvedAt: ISO("2026-02-03T00:01:00Z"), payload: { name: org.name, country: org.country }, provider: "demo" },
+    steps: {
+      kyc: { completedAt: ISO("2026-02-03T00:01:00Z"), provider: "demo" },
+      allowlist: { completedAt: ISO("2026-02-03T00:02:00Z"), result: { ok: true }, txHash: fakeHash("a110") },
+      gas: { completedAt: ISO("2026-02-03T00:03:00Z"), result: { ok: true }, txHash: fakeHash("9a5") },
+      registration: { completedAt: ISO("2026-02-03T00:04:00Z"), lastCheckedAt: ISO("2026-02-03T00:04:00Z") },
+    },
+  };
+
+  const treasuryProvision: ProvisionTreasuryResponse = {
+    address: publicAddress,
+    custody: "managed",
+    registered: true,
+    consented: true,
+    registrationTxHash: fakeHash("eerc"),
+  };
+
   return {
     session,
     live: { live: true, mode: "live", missing: [] },
@@ -352,9 +384,11 @@ export function createDemoDb(): DemoDb {
     integrations,
     invites,
     ledger,
+    onboardingStatus,
+    treasuryProvision,
     privateTotal: usd(842300),
     publicUnits: usd(48250),
-    publicAddress: "0x9Fb2c7A11e4D3f6B8a0C15e2D9f4A7c3B6e1D8a2",
+    publicAddress,
     usdcIssuer: "0x5425890298aed601595a70AB815c96711a31Bc65",
     dashboardActivity,
   };
diff --git a/apps/console/src/lib/api.test.ts b/apps/console/src/lib/api.test.ts
index c0513da..1869af1 100644
--- a/apps/console/src/lib/api.test.ts
+++ b/apps/console/src/lib/api.test.ts
@@ -1,5 +1,5 @@
 import { afterEach, describe, expect, it, vi } from "vitest";
-import type { CreatePaymentRequest } from "@benzo/types";
+import type { CreatePaymentRequest, OnboardingStatus } from "@benzo/types";
 import { ACTIVE_ORG_KEY, api, apiHref } from "./api";
 
 function jsonResponse(body: unknown, status = 200): Response {
@@ -15,6 +15,27 @@ function callHeaders(call: unknown[]): Headers {
     : new Headers();
 }
 
+function onboardingStatus(status: OnboardingStatus["status"]): OnboardingStatus {
+  return {
+    id: "onb_1",
+    userId: "usr_1",
+    address: "0x1234567890abcdef1234567890abcdef12345678",
+    chainEnv: "testnet",
+    chainId: 43113,
+    status,
+    error: status === "failed" ? "failed" : null,
+    createdAt: "2026-07-10T00:00:00.000Z",
+    updatedAt: "2026-07-10T00:00:02.000Z",
+    mockKyc: null,
+    steps: {
+      kyc: { completedAt: status === "pending_kyc" ? null : "2026-07-10T00:00:01.000Z", provider: status === "pending_kyc" ? null : "mock" },
+      allowlist: { completedAt: ["allowlisted", "gas_dripped", "awaiting_registration", "complete"].includes(status) ? "2026-07-10T00:00:02.000Z" : null, result: null, txHash: null },
+      gas: { completedAt: ["gas_dripped", "awaiting_registration", "complete"].includes(status) ? "2026-07-10T00:00:03.000Z" : null, result: null, txHash: null },
+      registration: { completedAt: status === "complete" ? "2026-07-10T00:00:04.000Z" : null, lastCheckedAt: ["awaiting_registration", "complete"].includes(status) ? "2026-07-10T00:00:04.000Z" : null },
+    },
+  };
+}
+
 describe("console API idempotency", () => {
   afterEach(() => {
     localStorage.clear();
@@ -73,12 +94,11 @@ describe("console API idempotency", () => {
       amount: { amount: "10000000", assetCode: "USDC" },
     } satisfies CreatePaymentRequest;
     const actions: Array<() => Promise<unknown>> = [
-      () => api.saveOnboarding({ name: "Acme" }),
+      () => api.createOrg({ name: "Acme", slug: "acme" }),
+      () => api.startOnboarding({ name: "Acme Inc.", country: "US" }),
       () => api.siweVerify("m", "0xsig"),
       () => api.logout(),
-      () => api.submitKyb({ legalName: "Acme Inc." }),
-      () => api.provisionTreasury(),
-      () => api.finishOnboarding(),
+      () => api.provisionTreasury("org_1"),
       () => api.proveBalance("1"),
       () => api.proveTotal(),
       () => api.proveSolvency(),
@@ -129,6 +149,73 @@ describe("console API idempotency", () => {
     expect(callHeaders(fetchMock.mock.calls[1]).get("idempotency-key")).toBe(firstKey);
   });
 
+  it("uses the real org and eERC onboarding endpoints", async () => {
+    const complete = onboardingStatus("complete");
+    const fetchMock = vi.fn()
+      .mockResolvedValueOnce(jsonResponse({ org: { id: "org_1", name: "Acme", slug: "acme", role: "owner", createdAt: "2026-07-10T00:00:00.000Z" }, role: "owner" }))
+      .mockResolvedValueOnce(jsonResponse({ jobId: "job_1", onboarding: onboardingStatus("pending_kyc") }, 202))
+      .mockResolvedValueOnce(jsonResponse({ onboarding: complete }))
+      .mockResolvedValueOnce(jsonResponse({ address: "0xtreasury", custody: "managed", registered: true, consented: true, registrationTxHash: "0xreg" }, 201));
+    vi.stubGlobal("fetch", fetchMock);
+
+    await expect(api.createOrg({ name: "Acme", slug: "acme" })).resolves.toMatchObject({ role: "owner", org: { id: "org_1" } });
+    await expect(api.startOnboarding({ name: "Acme Inc.", country: "US" })).resolves.toMatchObject({ jobId: "job_1" });
+    await expect(api.onboardingStatus()).resolves.toMatchObject({ onboarding: { status: "complete" } });
+    await expect(api.provisionTreasury("org_1")).resolves.toMatchObject({ address: "0xtreasury", custody: "managed" });
+
+    expect(fetchMock.mock.calls.map((call) => call[0])).toEqual([
+      apiHref("/orgs"),
+      apiHref("/onboarding/start"),
+      apiHref("/onboarding/status"),
+      apiHref("/orgs/org_1/treasury"),
+    ]);
+    expect(fetchMock.mock.calls[0][1]).toMatchObject({ method: "POST", body: JSON.stringify({ name: "Acme", slug: "acme" }), credentials: "include" });
+    expect(fetchMock.mock.calls[1][1]).toMatchObject({ method: "POST", body: JSON.stringify({ mockKyc: { name: "Acme Inc.", country: "US" } }), credentials: "include" });
+    expect(callHeaders(fetchMock.mock.calls[2]).get("idempotency-key")).toBeNull();
+    expect(fetchMock.mock.calls[3][1]).toMatchObject({ method: "POST", body: JSON.stringify({ consent: true }), credentials: "include" });
+  });
+
+  it("subscribes to onboarding status with credentialed EventSource", () => {
+    class FakeEventSource {
+      static instances: FakeEventSource[] = [];
+      url: string | URL;
+      init?: EventSourceInit;
+      private listeners = new Map<string, Array<(event: MessageEvent<string>) => void>>();
+
+      constructor(url: string | URL, init?: EventSourceInit) {
+        this.url = url;
+        this.init = init;
+        FakeEventSource.instances.push(this);
+      }
+
+      addEventListener(type: string, listener: EventListenerOrEventListenerObject | null) {
+        if (typeof listener !== "function") return;
+        const listeners = this.listeners.get(type) ?? [];
+        listeners.push(listener as (event: MessageEvent<string>) => void);
+        this.listeners.set(type, listeners);
+      }
+
+      close() {}
+
+      emit(type: string, data: unknown) {
+        const event = new MessageEvent(type, { data: JSON.stringify(data) });
+        for (const listener of this.listeners.get(type) ?? []) listener(event);
+      }
+    }
+    vi.stubGlobal("EventSource", FakeEventSource as unknown as typeof EventSource);
+    const seen: OnboardingStatus["status"][] = [];
+
+    const subscription = api.subscribeOnboardingStatus((status) => seen.push(status.status));
+    const source = FakeEventSource.instances[0];
+    source.emit("status", { onboarding: onboardingStatus("kyc_approved") });
+    source.emit("status", { onboarding: onboardingStatus("complete") });
+    subscription.close();
+
+    expect(source.url).toBe(apiHref("/onboarding/status/stream"));
+    expect(source.init).toMatchObject({ withCredentials: true });
+    expect(seen).toEqual(["kyc_approved", "complete"]);
+  });
+
   it("loads proof receipts through the authenticated API without mutation idempotency", async () => {
     const fetchMock = vi.fn().mockResolvedValue(jsonResponse([{ id: "prf_1", action: "payroll.policy.cap", vkId: "SPENDCAP", verified: true, createdAt: "2026-06-26T00:00:00.000Z" }]));
     vi.stubGlobal("fetch", fetchMock);
diff --git a/apps/console/src/lib/api.ts b/apps/console/src/lib/api.ts
index 327dd18..b88b491 100644
--- a/apps/console/src/lib/api.ts
+++ b/apps/console/src/lib/api.ts
@@ -10,6 +10,8 @@ import type {
   ApproveRequest,
   AuthSession,
   Counterparty,
+  CreateOrgRequest,
+  CreateOrgResponse,
   CreateInvoiceRequest,
   CreatePaymentRequest,
   CreatePayrollRequest,
@@ -20,9 +22,13 @@ import type {
   LedgerEntry,
   LiveStatusResponse,
   Member,
+  OnboardingStatus,
+  OnboardingStatusResponse,
   OrgSummary,
   PaymentOrder,
   PayrollBatch,
+  ProvisionTreasuryResponse,
+  StartOnboardingResponse,
   TreasuryView,
   ViewingGrant,
 } from "@benzo/types";
@@ -242,18 +248,101 @@ async function http<T>(path: string, init?: RequestInit): Promise<T> {
   }
 }
 
-export interface OnboardingDraft {
-  name?: string;
-  legalName?: string;
-  country?: string;
-  entityType?: string;
-  registrationNumber?: string;
-  taxId?: string;
-  beneficialOwners?: Array<{ name: string; ownership?: string }>;
-  complianceZoneId?: string;
-  team?: Array<{ email: string; role: string }>;
-  kyb?: { status: "approved" | "pending" | "rejected" | "unverified"; provider: string; inquiryRef: string; checks: string[]; onChain: boolean; txHash?: string };
-  mvk?: { onChain: boolean; txHash?: string; mvkRoot?: string };
+export interface OnboardingStatusSubscription {
+  close: () => void;
+}
+
+export type OnboardingStatusHandler = (onboarding: OnboardingStatus) => void;
+export type OnboardingStatusErrorHandler = (error: Error) => void;
+
+function terminalOnboardingStatus(status: OnboardingStatus["status"]): boolean {
+  return status === "complete" || status === "failed";
+}
+
+function parseOnboardingEvent(data: string): OnboardingStatus | null {
+  if (!data) return null;
+  const parsed = JSON.parse(data) as OnboardingStatus | OnboardingStatusResponse;
+  return "onboarding" in parsed ? parsed.onboarding : parsed;
+}
+
+function subscribeOnboardingStatus(
+  onStatus: OnboardingStatusHandler,
+  onError?: OnboardingStatusErrorHandler,
+): OnboardingStatusSubscription {
+  let closed = false;
+  let source: EventSource | null = null;
+  let pollTimer: number | null = null;
+
+  const close = () => {
+    closed = true;
+    source?.close();
+    source = null;
+    if (pollTimer) window.clearTimeout(pollTimer);
+    pollTimer = null;
+  };
+
+  const emit = (onboarding: OnboardingStatus) => {
+    onStatus(onboarding);
+    if (terminalOnboardingStatus(onboarding.status)) close();
+  };
+
+  const poll = () => {
+    if (closed) return;
+    void realApi.onboardingStatus().then(
+      ({ onboarding }) => {
+        if (closed) return;
+        emit(onboarding);
+        if (!terminalOnboardingStatus(onboarding.status)) {
+          pollTimer = window.setTimeout(poll, 2_000);
+        }
+      },
+      (error) => {
+        if (closed) return;
+        onError?.(error instanceof Error ? error : new Error("Onboarding status polling failed."));
+        pollTimer = window.setTimeout(poll, 2_000);
+      },
+    );
+  };
+
+  const startPolling = () => {
+    source?.close();
+    source = null;
+    poll();
+  };
+
+  if (typeof EventSource === "undefined") {
+    startPolling();
+    return { close };
+  }
+
+  try {
+    source = new EventSource(apiHref("/onboarding/status/stream"), { withCredentials: true });
+    source.addEventListener("status", (event) => {
+      try {
+        const onboarding = parseOnboardingEvent((event as MessageEvent<string>).data);
+        if (onboarding) emit(onboarding);
+      } catch (error) {
+        onError?.(error instanceof Error ? error : new Error("Onboarding status stream returned malformed data."));
+      }
+    });
+    source.addEventListener("terminal", (event) => {
+      try {
+        const onboarding = parseOnboardingEvent((event as MessageEvent<string>).data);
+        if (onboarding) emit(onboarding);
+      } catch {
+        close();
+      }
+      close();
+    });
+    source.onerror = () => {
+      if (closed) return;
+      startPolling();
+    };
+  } catch {
+    startPolling();
+  }
+
+  return { close };
 }
 
 export interface SiweNonceResponse {
@@ -314,18 +403,14 @@ const realApi = {
   siweVerify: (message: string, signature: string) =>
     http<SiweVerifyResponse>("/auth/verify", { method: "POST", body: JSON.stringify({ message, signature }) }),
   logout: () => http<{ ok: true }>("/auth/logout", { method: "POST", body: "{}" }).finally(clearHostedAuthState),
-  onboarding: () => http<OnboardingDraft>("/onboarding"),
-  saveOnboarding: (patch: OnboardingDraft) =>
-    http<OnboardingDraft>("/onboarding", { method: "PATCH", body: JSON.stringify(patch) }),
-  submitKyb: (patch: OnboardingDraft) =>
-    http<NonNullable<OnboardingDraft["kyb"]>>("/onboarding/kyb", { method: "POST", body: JSON.stringify(patch) }),
-  kybStatus: () =>
-    http<{ status: "unverified" | "pending" | "approved" | "rejected"; inquiryRef: string; onChain: boolean }>("/onboarding/kyb-status"),
-  provisionTreasury: () =>
-    http<{ onChain: boolean; txHash?: string; mvkRoot?: string; treasuryAddress?: string }>("/treasury/provision", { method: "POST", body: "{}" }),
-  registerOwnerMvk: () =>
-    http<{ onChain: boolean; txHash?: string; mvkRoot?: string }>("/treasury/provision", { method: "POST", body: "{}" }),
-  finishOnboarding: () => http<AuthSession>("/onboarding/finish", { method: "POST", body: "{}" }),
+  createOrg: (body: CreateOrgRequest) =>
+    http<CreateOrgResponse>("/orgs", { method: "POST", body: JSON.stringify(body) }),
+  startOnboarding: (mockKyc?: { name?: string; country?: string }) =>
+    http<StartOnboardingResponse>("/onboarding/start", { method: "POST", body: JSON.stringify(mockKyc ? { mockKyc } : {}) }),
+  onboardingStatus: () => http<OnboardingStatusResponse>("/onboarding/status"),
+  subscribeOnboardingStatus,
+  provisionTreasury: (orgId: string) =>
+    http<ProvisionTreasuryResponse>(`/orgs/${encodeURIComponent(orgId)}/treasury`, { method: "POST", body: JSON.stringify({ consent: true }) }),
   live: () => http<LiveStatusResponse>("/live"),
   dashboard: () => http<DashboardSummary>("/dashboard"),
   treasury: () => http<TreasuryView>("/treasury"),
diff --git a/packages/types/src/api.ts b/packages/types/src/api.ts
index aa8926a..b749757 100644
--- a/packages/types/src/api.ts
+++ b/packages/types/src/api.ts
@@ -7,7 +7,7 @@
 import type { Account, Counterparty } from "./accounts.js";
 import type { Approval, ApprovalPolicy } from "./approvals.js";
 import type { ComplianceZone, DisclosureTier, GrantScope, ViewingGrant } from "./compliance.js";
-import type { Money, Timestamp } from "./common.js";
+import type { EvmAddress, Money, Timestamp } from "./common.js";
 import type { Integration, IntegrationProvider } from "./integrations.js";
 import type { Invoice, LineItem } from "./invoices.js";
 import type { LedgerEntry } from "./ledger.js";
@@ -32,6 +32,67 @@ export interface AppSession {
 
 export type AuthSession = AppSession;
 
+// ---- org creation / eERC onboarding --------------------------------------
+
+export interface CreateOrgRequest {
+  name: string;
+  slug: string;
+}
+
+export interface CreateOrgResponse {
+  org: OrgSummary;
+  role: "owner";
+}
+
+export type OnboardingLifecycleStatus =
+  | "pending_kyc"
+  | "kyc_approved"
+  | "allowlisted"
+  | "gas_dripped"
+  | "awaiting_registration"
+  | "complete"
+  | "failed";
+
+export interface OnboardingStatus {
+  id: string;
+  userId: string;
+  address: EvmAddress;
+  chainEnv: string;
+  chainId: number;
+  status: OnboardingLifecycleStatus;
+  error: string | null;
+  createdAt: Timestamp;
+  updatedAt: Timestamp;
+  mockKyc: {
+    approvedAt: Timestamp;
+    payload: Record<string, unknown>;
+    provider: string;
+  } | null;
+  steps: {
+    kyc: { completedAt: Timestamp | null; provider: string | null };
+    allowlist: { completedAt: Timestamp | null; result: unknown | null; txHash: string | null };
+    gas: { completedAt: Timestamp | null; result: unknown | null; txHash: string | null };
+    registration: { completedAt: Timestamp | null; lastCheckedAt: Timestamp | null };
+  };
+}
+
+export interface StartOnboardingResponse {
+  jobId: string;
+  onboarding: OnboardingStatus;
+}
+
+export interface OnboardingStatusResponse {
+  onboarding: OnboardingStatus;
+}
+
+export interface ProvisionTreasuryResponse {
+  address: EvmAddress;
+  custody: "managed";
+  registered: boolean;
+  consented: boolean;
+  registrationTxHash: string | null;
+}
+
 // ---- dashboard / treasury (read-optimized projections) --------------------
 
 export interface ActivityItem {
@@ -142,6 +203,10 @@ export interface InviteMemberRequest {
   role: Role;
 }
 
+export interface ProvisionTreasuryRequest {
+  consent: true;
+}
+
 export interface CreateViewingGrantRequest {
   auditorName: string;
   auditorPubKey: string;
@@ -184,7 +249,12 @@ export const ENDPOINTS = {
   session: { method: "GET", path: "/api/auth/me" },
   authLogout: { method: "POST", path: "/api/auth/logout" },
   orgs: { method: "GET", path: "/api/orgs" },
+  createOrg: { method: "POST", path: "/api/orgs" },
   org: { method: "GET", path: "/api/orgs/:id" },
+  onboardingStart: { method: "POST", path: "/api/onboarding/start" },
+  onboardingStatus: { method: "GET", path: "/api/onboarding/status" },
+  onboardingStatusStream: { method: "GET", path: "/api/onboarding/status/stream" },
+  provisionTreasury: { method: "POST", path: "/api/orgs/:id/treasury" },
   dashboard: { method: "GET", path: "/api/dashboard" },
   treasury: { method: "GET", path: "/api/treasury" },
   proveBalance: { method: "POST", path: "/api/treasury/prove-balance" },