diff --git a/src/lnurlcash/nwc.invoice-a.cases.ts b/src/lnurlcash/nwc.invoice-a.cases.ts
index 77b39cb..109e548 100644
--- a/src/lnurlcash/nwc.invoice-a.cases.ts
+++ b/src/lnurlcash/nwc.invoice-a.cases.ts
@@ -11,7 +11,7 @@ import {bytesToHex, hexToBytes} from '@noble/hashes/utils.js'
 import {finalizeEvent, getPublicKey} from 'nostr-tools/pure'
 import {encrypt as nip04Encrypt, decrypt as nip04Decrypt} from 'nostr-tools/nip04'
 import {v2 as nip44v2} from 'nostr-tools/nip44'
-import {buildNoteUrl, fetchNoteInfo, noteK1} from 'lnurlcash-kit'
+import {buildNoteUrl, fetchNoteInfo, hashK1, noteK1} from 'lnurlcash-kit'
 import {createMockMint} from 'lnurlcash-conformance/mock-mint'
 
 import {
@@ -124,6 +124,129 @@ describe('service: make_invoice / lookup_invoice', () => {
     await stop()
   })
 
+  it('settles against a NAMED mint: note at the wallet secret, preimage a plain receipt', async () => {
+    const m = await mint({commentAllowed: 64, testHooks: true})
+    const {relay, walletServicePubkey, state, stop} = await startTestService({
+      defaultMint: `mint@127.0.0.1:${m.port}`,
+    })
+
+    const made = await call(relay, walletServicePubkey, 'make_invoice', {
+      amount: 21_000,
+    })
+    expect(made.error).toBeNull()
+    const paymentHash = made.result?.payment_hash
+    if (typeof paymentHash !== 'string') {
+      throw new TypeError('make_invoice did not return a payment hash')
+    }
+
+    const settleRes = await fetch(`${m.url}/_test/settle?payment_hash=${paymentHash}`)
+    expect(settleRes.ok).toBe(true)
+    await waitFor(() => state.changesets.some((c) => c.add.length > 0))
+
+    const settled = await call(relay, walletServicePubkey, 'lookup_invoice', {
+      payment_hash: paymentHash,
+    })
+    expect(settled.error).toBeNull()
+    expect(settled.result?.state).toBe('settled')
+    // a named mint's verify preimage is an ordinary payment receipt -
+    // it keys nothing at the mint - so it is always safe to hand out
+    const preimage = requiredString(settled.result?.preimage)
+    expect(preimage).toMatch(/^[0-9a-f]{64}$/)
+    expect(m.state.noteState(preimage)).toBeNull()
+
+    // the note was claimed at the wallet's own secret - unrotated,
+    // because nothing exposed it
+    const minted = requiredValue(state.bearers.find((b) => b.id.startsWith('added-')))
+    expect(minted.amount).toBe(21_000)
+    expect(minted.verified).toBe(true)
+    const mintedK1 = requiredValue(noteK1(minted.url))
+    expect(m.state.noteState(mintedK1)).toBe('outstanding')
+    // the quote was bound to that secret's hash
+    expect([...m.state.invoices.values()].at(-1)?.boundTo).toBe(hashK1(mintedK1))
+    await stop()
+  })
+
+  it('rescues a NAMED mint that credited the preimage, and burns it before handing it out', async () => {
+    // the mintToHashIgnoresH adversary: advertises output naming, binds
+    // nothing, credits the payment hash - and (non-compliantly) still
+    // serves verify, so the preimage path can recover the note
+    const m = await mint({
+      commentAllowed: 64,
+      mintToHashIgnoresH: true,
+      verifyOnUnnamedMint: true,
+      testHooks: true,
+    })
+    const {relay, walletServicePubkey, state, stop} = await startTestService({
+      defaultMint: `mint@127.0.0.1:${m.port}`,
+      claimPoll: {intervalMs: 10, intervalCapMs: 20, maxWaitMs: 400},
+    })
+
+    const made = await call(relay, walletServicePubkey, 'make_invoice', {amount: 21_000})
+    const paymentHash = made.result?.payment_hash
+    if (typeof paymentHash !== 'string') {
+      throw new TypeError('make_invoice did not return a payment hash')
+    }
+    const settleRes = await fetch(`${m.url}/_test/settle?payment_hash=${paymentHash}`)
+    expect(settleRes.ok).toBe(true)
+    await waitFor(() => state.changesets.some((c) => c.add.length > 0))
+
+    const settled = await call(relay, walletServicePubkey, 'lookup_invoice', {
+      payment_hash: paymentHash,
+    })
+    expect(settled.result?.state).toBe('settled')
+    // the rescue claimed through the preimage path and rotated off it, so
+    // the receipt handed to the client is a burned secret
+    const preimage = requiredString(settled.result?.preimage)
+    expect(m.state.noteState(preimage)).toBe('burned')
+    const minted = requiredValue(state.bearers.find((b) => b.id.startsWith('added-')))
+    const mintedK1 = requiredValue(noteK1(minted.url))
+    expect(mintedK1).not.toBe(preimage)
+    expect(m.state.noteState(mintedK1)).toBe('outstanding')
+    await stop()
+  })
+
+  it('withholds the preimage when the rescue claim could not rotate', async () => {
+    // same lying mint, but the rotate's request never lands (the mint
+    // dies between the claim and the rotate): the preimage may still be
+    // the note's secret, so it stays a secret even though the invoice
+    // reads settled
+    const m = await mint({
+      commentAllowed: 64,
+      mintToHashIgnoresH: true,
+      verifyOnUnnamedMint: true,
+      testHooks: true,
+    })
+    const rotateFailingFetch: typeof fetch = (input, init) => {
+      const url = typeof input === 'string' ? input : input instanceof URL ? input.href : input.url
+      if (url.includes('/w/cb')) return Promise.reject(new Error('connection reset'))
+      return fetch(input, init)
+    }
+    const {relay, walletServicePubkey, state, stop} = await startTestService({
+      defaultMint: `mint@127.0.0.1:${m.port}`,
+      claimPoll: {intervalMs: 10, intervalCapMs: 20, maxWaitMs: 400},
+      kit: {fetch: rotateFailingFetch},
+    })
+
+    const made = await call(relay, walletServicePubkey, 'make_invoice', {amount: 21_000})
+    const paymentHash = made.result?.payment_hash
+    if (typeof paymentHash !== 'string') {
+      throw new TypeError('make_invoice did not return a payment hash')
+    }
+    const settleRes = await fetch(`${m.url}/_test/settle?payment_hash=${paymentHash}`)
+    expect(settleRes.ok).toBe(true)
+    await waitFor(() => state.changesets.some((c) => c.add.length > 0))
+
+    const settled = await call(relay, walletServicePubkey, 'lookup_invoice', {
+      payment_hash: paymentHash,
+    })
+    expect(settled.result?.state).toBe('settled')
+    // settled, but NO receipt: an unrotated preimage may still be the note
+    expect(settled.result?.preimage).toBeUndefined()
+    // the note is tracked either way (it IS money)
+    expect(state.bearers.some((b) => b.id.startsWith('added-'))).toBe(true)
+    await stop()
+  })
+
   it('keeps a paid invoice pending while its bearer commit is deferred', async () => {
     const m = await mint({testHooks: true})
     const commit = deferred()
diff --git a/src/lnurlcash/nwc/invoices.ts b/src/lnurlcash/nwc/invoices.ts
index 1fc1a5b..e1a8caa 100644
--- a/src/lnurlcash/nwc/invoices.ts
+++ b/src/lnurlcash/nwc/invoices.ts
@@ -1,15 +1,18 @@
 // The invoice registry the two-phase make_invoice / lookup_invoice pair
 // shares: make_invoice answers with the invoice immediately while this
 // module's settleAndClaim watches settlement in the background, claims
-// the minted note (rotating it immediately), and only THEN records the
-// settlement the lookup reports.
+// the minted note, and only THEN records the settlement the lookup
+// reports.
 //
-// THE PREIMAGE, in lnurlcash terms: the payment preimage IS the minted
-// note's initial secret. NIP-47 clients expect it as the settlement
-// receipt, so it is handed out - but only after claimFromPreimage has
-// rotated the fresh note, when that secret is burned and worthless. If
-// the rotation failed (claimed.rotated === false) the preimage is
-// withheld: fund safety over spec comfort.
+// THE PREIMAGE, in lnurlcash terms: on an UNNAMED mint the payment
+// preimage IS the minted note's initial secret. NIP-47 clients expect it
+// as the settlement receipt, so it is handed out - but only after
+// claimFromPreimage has rotated the fresh note, when that secret is
+// burned and worthless. If the rotation failed (claimed.rotated ===
+// false) the preimage is withheld: fund safety over spec comfort. On a
+// NAMED mint the note lives at a wallet-chosen secret from the start and
+// the preimage opens nothing at all, so it is an ordinary payment receipt
+// and always safe to hand out.
 
 import {isPreimage, sameInvoice} from 'lnurlcash-kit'
 import {sha256} from '@noble/hashes/sha2.js'
@@ -17,7 +20,7 @@ import {bytesToHex, utf8ToBytes} from '@noble/hashes/utils.js'
 
 import type {NewBearer} from '../types'
 import type {PreparedMint} from '../ops'
-import {claimFromPreimage} from '../ops/mint'
+import {claimFromPreimage, claimFromSecret} from '../ops/mint'
 import {pollVerifyUntilSettled} from '../ops/shared'
 import type {PollOptions} from '../ops/shared'
 
@@ -61,13 +64,14 @@ export const invoiceResult = (entry: PendingInvoice): Record<string, unknown> =>
 }
 
 // the background half of make_invoice: watch the invoice, and once it
-// settles claim the note (rotating it immediately) and hand the fresh
-// bearer to the caller. Settlement is recorded LAST - after the rotate and
-// bearer commit - so lookup can only reveal durably tracked funds and an
-// already-burned secret.
+// settles claim the note (rotating it immediately on an unnamed mint) and
+// hand the fresh bearer to the caller. Settlement is recorded LAST - after
+// the claim and bearer commit - so lookup can only reveal durably tracked
+// funds and, on an unnamed mint, an already-burned secret.
 // Throws on any failure; the caller marks the entry failed and reports
 // through deps.onError.
 export const settleAndClaim = async (ctx: RequestContext, entry: PendingInvoice): Promise<void> => {
+  if (entry.prepared.mode === 'named') return settleAndClaimNamed(ctx, entry)
   if (!entry.prepared.verifyUrl) {
     throw new Error(
       'This mint did not advertise a verify URL - the invoice cannot be auto-claimed.',
@@ -114,3 +118,61 @@ export const settleAndClaim = async (ctx: RequestContext, entry: PendingInvoice)
     entry.preimage = preimage
   }
 }
+
+// the named-mint half of settleAndClaim: the note lands at the wallet's
+// own secret, so its APPEARANCE there is the settlement observation and no
+// rotate follows. When the mint also serves the quote's verify, that
+// answer's preimage is kept as the NIP-47 receipt (an ordinary payment
+// proof on a named mint); a named mint without verify yields a settled
+// lookup with no preimage - correct, just receipt-less.
+const settleAndClaimNamed = async (
+  ctx: RequestContext,
+  entry: PendingInvoice,
+): Promise<void> => {
+  const noteSecret = entry.prepared.noteSecret
+  if (!noteSecret) {
+    throw new Error('This mint was prepared in named mode without a note secret.')
+  }
+  const prepared = entry.prepared
+  const claimPoll = ctx.deps.claimPoll ?? DEFAULT_CLAIM_POLL
+  let preimage: string | null = null
+  if (prepared.verifyUrl) {
+    // the interruptible observation half: watch settlement on verify,
+    // then claim by secret below (fund-critical, uninterruptible)
+    const result = await pollVerifyUntilSettled(
+      prepared.verifyUrl,
+      {...claimPoll, signal: ctx.stopSignal},
+      ctx.deps.kit ?? {},
+    )
+    if (!sameInvoice(result.pr, prepared.invoice)) {
+      throw new Error("The service's verify response is for a different invoice than requested.")
+    }
+    if (result.preimage && isPreimage(result.preimage)) preimage = result.preimage
+  }
+  // without a verify URL the claim poll IS the observation half, so it
+  // stays interruptible; after a verify-observed settlement the note is
+  // already there and this returns on the first check
+  const claimed = await claimFromSecret(
+    {...prepared, noteSecret},
+    prepared.verifyUrl ? claimPoll : {...claimPoll, signal: ctx.stopSignal},
+    {
+      ...(ctx.deps.kit ?? {}),
+      assertOwner: ctx.assertOwner,
+    },
+  )
+  const add: NewBearer[] = [claimed.note]
+  if (claimed.possibleCopy) add.push(claimed.possibleCopy)
+  await ctx.deps.applyChangeset(
+    {add, markSpent: []},
+    ctx.connection(),
+    'make_invoice',
+    ctx.assertOwner,
+  )
+  entry.settledAt = ctx.nowSeconds()
+  entry.state = 'settled'
+  // the rotate guard still matters here: the rescue path (a mint that
+  // took the hash but credited the PREIMAGE) claims through
+  // claimFromPreimage, and if its rotate failed the preimage is still a
+  // LIVE note secret - withheld exactly like the unnamed path
+  if (preimage && claimed.rotated) entry.preimage = preimage
+}