diff --git a/app/src/main/java/to/bitkit/repositories/PaykitAllowance.kt b/app/src/main/java/to/bitkit/repositories/PaykitAllowance.kt
index 0a5e2a0dcb..3e502fce26 100644
--- a/app/src/main/java/to/bitkit/repositories/PaykitAllowance.kt
+++ b/app/src/main/java/to/bitkit/repositories/PaykitAllowance.kt
@@ -84,6 +84,13 @@ data class PaykitAllowance(
 
     val isAnswerable: Boolean get() = lifecycleState == AllowanceLifecycleState.PROPOSED && !isProposedByMe
 
+    /**
+     * A received proposal whose proposer took the allower role, which leaves this wallet the allowee. The money and the
+     * decision are the allower's, so Bitkit accepts it without asking. A received proposal that makes this wallet the
+     * allower (a payee asking for an allowance) is not an offer and waits for the user's decision.
+     */
+    val isOfferFromAllower: Boolean get() = isAnswerable && role == Role.ALLOWEE
+
     fun status(now: Instant): Status = when (lifecycleState) {
         AllowanceLifecycleState.PROPOSED -> if (isProposedByMe) Status.AWAITING_ANSWER else Status.AWAITING_MY_ANSWER
         AllowanceLifecycleState.ACCEPTED -> when {
diff --git a/app/src/main/java/to/bitkit/repositories/PaykitAllowanceRepo.kt b/app/src/main/java/to/bitkit/repositories/PaykitAllowanceRepo.kt
index 802b0ebe0f..bf7a8329df 100644
--- a/app/src/main/java/to/bitkit/repositories/PaykitAllowanceRepo.kt
+++ b/app/src/main/java/to/bitkit/repositories/PaykitAllowanceRepo.kt
@@ -105,6 +105,7 @@ class PaykitAllowanceRepo @Inject constructor(
     private val refreshMutex = Mutex()
     private val publishLock = Any()
     private val isProcessingRequests = AtomicBoolean(false)
+    private val isAcceptingOffers = AtomicBoolean(false)
     private val updates = AtomicInteger(0)
 
     /** True while allowances are refreshing or requests are being admitted, when coverage may still change. */
@@ -272,12 +273,47 @@ class PaykitAllowanceRepo @Inject constructor(
             }
         }
 
-    suspend fun accept(entryId: String): Result<Unit> = respond(entryId) {
-        val proposalStreamItemId = it.proposalStreamItemId ?: throw PaykitAllowanceError.Unavailable
-        paykitSdkService.acceptAllowance(it.counterparty, it.allowanceId, proposalStreamItemId)
+    suspend fun accept(entryId: String): Result<Unit> = respond(entry(entryId)) { acceptProposal(it) }
+
+    private suspend fun acceptProposal(allowance: PaykitAllowance): AllowanceRecord {
+        val proposalStreamItemId = allowance.proposalStreamItemId ?: throw PaykitAllowanceError.Unavailable
+        return paykitSdkService.acceptAllowance(allowance.counterparty, allowance.allowanceId, proposalStreamItemId)
     }
 
-    suspend fun reject(entryId: String): Result<Unit> = respond(entryId) {
+    /**
+     * Accepts the offers that make this wallet the allowee and returns the ones now active so the caller can tell the
+     * user. A failed accept stays unanswered and is tried again on the next refresh. Stops accepting once
+     * [canContinue] turns false and still returns what it accepted, since an active allowance is never announced
+     * later; returns nothing to announce once the identity it started with is gone or [canAnnounce] turns false.
+     */
+    suspend fun acceptOffersFromAllowers(
+        canAnnounce: () -> Boolean = { true },
+        canContinue: () -> Boolean = { true },
+    ): List<PaykitAllowanceEntry> = withContext(ioDispatcher) {
+        val identity = activeIdentity ?: return@withContext emptyList()
+        val isCurrent = { activeIdentity == identity && canAnnounce() }
+        val offers = _entries.value.filter { entry ->
+            val answerable = entry.allowances.filter { it.isAnswerable }
+            answerable.isNotEmpty() && answerable.all { it.isOfferFromAllower }
+        }
+        if (offers.isEmpty() || !isAcceptingOffers.compareAndSet(false, true)) return@withContext emptyList()
+
+        try {
+            val accepted = mutableListOf<PaykitAllowanceEntry>()
+            for (offer in offers) {
+                if (!isCurrent() || !canContinue()) break
+                // Answers the entry that was checked, so an ask that joined it since is never accepted here.
+                respond(offer) { acceptProposal(it) }
+                    .onSuccess { accepted += offer }
+                    .onFailure { Logger.warn("Failed to accept an allowance offer", it, context = TAG) }
+            }
+            if (isCurrent()) accepted else emptyList()
+        } finally {
+            isAcceptingOffers.set(false)
+        }
+    }
+
+    suspend fun reject(entryId: String): Result<Unit> = respond(entry(entryId)) {
         paykitSdkService.rejectAllowance(it.counterparty, it.allowanceId)
     }
 
@@ -296,12 +332,12 @@ class PaykitAllowanceRepo @Inject constructor(
     }
 
     private suspend fun respond(
-        entryId: String,
+        entry: PaykitAllowanceEntry?,
         response: suspend (PaykitAllowance) -> AllowanceRecord,
     ): Result<Unit> = withContext(ioDispatcher) {
         runSuspendCatching {
             val identity = activeIdentity ?: throw PaykitAllowanceError.Unavailable
-            val entry = entry(entryId) ?: throw PaykitAllowanceError.Unavailable
+            if (entry == null) throw PaykitAllowanceError.Unavailable
             val answerable = entry.allowances.filter { it.isAnswerable }
             if (answerable.isEmpty()) throw PaykitAllowanceError.Unavailable
             for (allowance in answerable) {
@@ -309,7 +345,9 @@ class PaykitAllowanceRepo @Inject constructor(
                 sendQueuedMessages(allowance.counterparty)
             }
             val keys = entry.allowances.map { it.key }
-            executor.updateLocalState(identity) { it.copy(presentedProposalIds = it.presentedProposalIds + keys) }
+            if (activeIdentity == identity) {
+                executor.updateLocalState(identity) { it.copy(presentedProposalIds = it.presentedProposalIds + keys) }
+            }
             refresh()
             Unit
         }
@@ -324,11 +362,12 @@ class PaykitAllowanceRepo @Inject constructor(
 
     // region Presentation
 
-    /** The first received proposal that still needs an answer and was not shown yet. */
+    /** The first received proposal that needs the user's answer and was not shown yet; offers are accepted instead. */
     fun proposalForPresentation(): PaykitAllowanceEntry? {
         val presented = _localState.value.presentedProposalIds
         return _entries.value.firstOrNull { entry ->
-            entry.isAnswerable && entry.allowances.none { it.key in presented }
+            entry.allowances.any { it.isAnswerable && !it.isOfferFromAllower } &&
+                entry.allowances.none { it.key in presented }
         }
     }
 
diff --git a/app/src/main/java/to/bitkit/viewmodels/AppViewModel.kt b/app/src/main/java/to/bitkit/viewmodels/AppViewModel.kt
index 7681b34a00..3f8023b93a 100644
--- a/app/src/main/java/to/bitkit/viewmodels/AppViewModel.kt
+++ b/app/src/main/java/to/bitkit/viewmodels/AppViewModel.kt
@@ -179,6 +179,7 @@ import to.bitkit.repositories.OnchainSendBlockedError
 import to.bitkit.repositories.OnchainSendNotDispatchedError
 import to.bitkit.repositories.OnchainSendOutcome
 import to.bitkit.repositories.OnchainSendPendingError
+import to.bitkit.repositories.PaykitAllowanceEntry
 import to.bitkit.repositories.PaykitAllowanceError
 import to.bitkit.repositories.PaykitAllowanceEvent
 import to.bitkit.repositories.PaykitAllowanceRepo
@@ -1189,6 +1190,11 @@ class AppViewModel @Inject constructor(
             releaseCoverage()
         }
         return result.onSuccess {
+            val acceptedOffers = paykitAllowanceRepo.acceptOffersFromAllowers(
+                canAnnounce = { !privatePaykitRepo.isProfileDeletionInProgress.value },
+                canContinue = { !(onlyWhileActive && isPaymentRequestPollingStopped.value) },
+            )
+            announceAcceptedAllowanceOffers(acceptedOffers)
             if (processAllowanceRequests()) paykitPaymentRequestRepo.refresh()
             presentNextIncomingPaykitPaymentRequest()
         }
@@ -1241,6 +1247,18 @@ class AppViewModel @Inject constructor(
         }
     }
 
+    private fun announceAcceptedAllowanceOffers(offers: List<PaykitAllowanceEntry>) {
+        offers.forEach { offer ->
+            notifyAllowanceEvent(
+                type = Toast.ToastType.SUCCESS,
+                title = context.getString(R.string.subscriptions__allowance_offer_accepted_title),
+                description = context.getString(R.string.subscriptions__allowance_offer_accepted_description)
+                    .replace("{name}", allowanceContactName(offer.counterparty)),
+                testTag = "AllowanceOfferAcceptedToast",
+            )
+        }
+    }
+
     /**
      * Allowance events post a system notification when allowed, as on iOS: the request sheet that opens right after a
      * limit is reached would cover an in-app toast. When notifications are off they fall back to a toast.
diff --git a/app/src/main/res/values-ar/strings.xml b/app/src/main/res/values-ar/strings.xml
index 597ab37d93..7f50972a6f 100644
--- a/app/src/main/res/values-ar/strings.xml
+++ b/app/src/main/res/values-ar/strings.xml
@@ -1475,6 +1475,8 @@
     <string name="subscriptions__allowance_monthly_allowance">الميزانية الشهرية</string>
     <string name="subscriptions__allowance_monthly_limit">الحد الشهري</string>
     <string name="subscriptions__allowance_no_contacts">أضف جهة اتصال أولًا. تغطي الميزانيات طلبات الدفع من جهات اتصالك.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} أعدّ لك ميزانية</string>
+    <string name="subscriptions__allowance_offer_accepted_title">تمت إضافة الميزانية</string>
     <string name="subscriptions__allowance_offer_explanation">ستدفع محفظة {name} طلباتك ضمن هذه الحدود دون السؤال في كل مرة. يمكن لأي منكما إنهاؤها.</string>
     <string name="subscriptions__allowance_offer_headline">{name} يعرض عليك\n&lt;accent&gt;ميزانية&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">تم دفع {amount} تلقائيًا</string>
diff --git a/app/src/main/res/values-b+es+419/strings.xml b/app/src/main/res/values-b+es+419/strings.xml
index 0d7c6b6457..ac40936a2d 100644
--- a/app/src/main/res/values-b+es+419/strings.xml
+++ b/app/src/main/res/values-b+es+419/strings.xml
@@ -1490,6 +1490,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Asignación mensual</string>
     <string name="subscriptions__allowance_monthly_limit">Límite mensual</string>
     <string name="subscriptions__allowance_no_contacts">Primero añada un contacto. Las asignaciones cubren las solicitudes de pago de sus contactos.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} configuró una asignación para usted</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Asignación agregada</string>
     <string name="subscriptions__allowance_offer_explanation">La billetera de {name} pagará sus solicitudes dentro de estos límites sin preguntar cada vez. Cualquiera de los dos puede finalizarla.</string>
     <string name="subscriptions__allowance_offer_headline">{name} le ofrece\n&lt;accent&gt;una asignación&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} pagado automáticamente</string>
diff --git a/app/src/main/res/values-ca/strings.xml b/app/src/main/res/values-ca/strings.xml
index 77d5335ca7..bfccfd69cb 100644
--- a/app/src/main/res/values-ca/strings.xml
+++ b/app/src/main/res/values-ca/strings.xml
@@ -1487,6 +1487,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Assignació mensual</string>
     <string name="subscriptions__allowance_monthly_limit">Límit mensual</string>
     <string name="subscriptions__allowance_no_contacts">Primer afegeix un contacte. Les assignacions cobreixen les sol·licituds de pagament dels teus contactes.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} t\'ha configurat una assignació</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Assignació afegida</string>
     <string name="subscriptions__allowance_offer_explanation">La cartera de {name} pagarà les teves sol·licituds dins d\'aquests límits sense preguntar cada vegada. Qualsevol de vosaltres hi pot posar fi.</string>
     <string name="subscriptions__allowance_offer_headline">{name} t\'ofereix\n&lt;accent&gt;una assignació&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} pagat automàticament</string>
diff --git a/app/src/main/res/values-cs/strings.xml b/app/src/main/res/values-cs/strings.xml
index 7729d92c97..0c24b9caf1 100644
--- a/app/src/main/res/values-cs/strings.xml
+++ b/app/src/main/res/values-cs/strings.xml
@@ -1489,6 +1489,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Měsíční rozpočet</string>
     <string name="subscriptions__allowance_monthly_limit">Měsíční limit</string>
     <string name="subscriptions__allowance_no_contacts">Nejprve přidejte kontakt. Rozpočty se vztahují na žádosti o platbu od vašich kontaktů.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} vám nastavil rozpočet</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Rozpočet přidán</string>
     <string name="subscriptions__allowance_offer_explanation">Peněženka uživatele {name} bude platit vaše žádosti v rámci těchto limitů, aniž by se pokaždé ptala. Kterákoli strana jej může ukončit.</string>
     <string name="subscriptions__allowance_offer_headline">{name} nabízí\n&lt;accent&gt;rozpočet&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} zaplaceno automaticky</string>
diff --git a/app/src/main/res/values-de/strings.xml b/app/src/main/res/values-de/strings.xml
index 1ce7c4c9b2..154a444aa5 100644
--- a/app/src/main/res/values-de/strings.xml
+++ b/app/src/main/res/values-de/strings.xml
@@ -1488,6 +1488,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Monatliches Budget</string>
     <string name="subscriptions__allowance_monthly_limit">Monatslimit</string>
     <string name="subscriptions__allowance_no_contacts">Füge zuerst einen Kontakt hinzu. Budgets gelten für Zahlungsanforderungen deiner Kontakte.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} hat dir ein Budget eingerichtet</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Budget hinzugefügt</string>
     <string name="subscriptions__allowance_offer_explanation">Die Wallet von {name} bezahlt deine Anforderungen innerhalb dieser Limits, ohne jedes Mal nachzufragen. Ihr könnt es beide beenden.</string>
     <string name="subscriptions__allowance_offer_headline">{name} bietet dir\n&lt;accent&gt;ein Budget&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} automatisch bezahlt</string>
diff --git a/app/src/main/res/values-el/strings.xml b/app/src/main/res/values-el/strings.xml
index d2f008dc41..b600260071 100644
--- a/app/src/main/res/values-el/strings.xml
+++ b/app/src/main/res/values-el/strings.xml
@@ -1481,6 +1481,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Μηνιαίος προϋπολογισμός</string>
     <string name="subscriptions__allowance_monthly_limit">Μηνιαίο όριο</string>
     <string name="subscriptions__allowance_no_contacts">Πρόσθεσε πρώτα μια επαφή. Οι προϋπολογισμοί καλύπτουν αιτήματα πληρωμής από τις επαφές σου.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} σού όρισε έναν προϋπολογισμό</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Ο προϋπολογισμός προστέθηκε</string>
     <string name="subscriptions__allowance_offer_explanation">Το πορτοφόλι της επαφής {name} θα πληρώνει τα αιτήματά σου εντός αυτών των ορίων χωρίς να ρωτά κάθε φορά. Οποιοσδήποτε από τους δύο μπορεί να τον τερματίσει.</string>
     <string name="subscriptions__allowance_offer_headline">{name} σού προσφέρει\n&lt;accent&gt;έναν προϋπολογισμό&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} πληρώθηκαν αυτόματα</string>
diff --git a/app/src/main/res/values-es-rES/strings.xml b/app/src/main/res/values-es-rES/strings.xml
index ce4b894458..b9fca3b8b6 100644
--- a/app/src/main/res/values-es-rES/strings.xml
+++ b/app/src/main/res/values-es-rES/strings.xml
@@ -1485,6 +1485,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Asignación mensual</string>
     <string name="subscriptions__allowance_monthly_limit">Límite mensual</string>
     <string name="subscriptions__allowance_no_contacts">Primero añade un contacto. Las asignaciones cubren las solicitudes de pago de tus contactos.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} te ha configurado una asignación</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Asignación añadida</string>
     <string name="subscriptions__allowance_offer_explanation">El monedero de {name} pagará tus solicitudes dentro de estos límites sin preguntar cada vez. Cualquiera de los dos puede finalizarla.</string>
     <string name="subscriptions__allowance_offer_headline">{name} te ofrece\n&lt;accent&gt;una asignación&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} pagado automáticamente</string>
diff --git a/app/src/main/res/values-es/strings.xml b/app/src/main/res/values-es/strings.xml
index 4a12f3a47b..1a6adb3fca 100644
--- a/app/src/main/res/values-es/strings.xml
+++ b/app/src/main/res/values-es/strings.xml
@@ -1485,6 +1485,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Asignación mensual</string>
     <string name="subscriptions__allowance_monthly_limit">Límite mensual</string>
     <string name="subscriptions__allowance_no_contacts">Primero añada un contacto. Las asignaciones cubren las solicitudes de pago de sus contactos.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} configuró una asignación para usted</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Asignación añadida</string>
     <string name="subscriptions__allowance_offer_explanation">El monedero de {name} pagará sus solicitudes dentro de estos límites sin preguntar cada vez. Cualquiera de los dos puede finalizarla.</string>
     <string name="subscriptions__allowance_offer_headline">{name} le ofrece\n&lt;accent&gt;una asignación&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} pagado automáticamente</string>
diff --git a/app/src/main/res/values-fr/strings.xml b/app/src/main/res/values-fr/strings.xml
index ea86fd2499..80f8deb062 100644
--- a/app/src/main/res/values-fr/strings.xml
+++ b/app/src/main/res/values-fr/strings.xml
@@ -1486,6 +1486,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Allocation mensuelle</string>
     <string name="subscriptions__allowance_monthly_limit">Limite mensuelle</string>
     <string name="subscriptions__allowance_no_contacts">Ajoutez d\'abord un contact. Les allocations couvrent les demandes de paiement de vos contacts.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} vous a configuré une allocation</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Allocation ajoutée</string>
     <string name="subscriptions__allowance_offer_explanation">Le portefeuille de {name} paiera vos demandes dans ces limites sans demander à chaque fois. Chacun de vous peut y mettre fin.</string>
     <string name="subscriptions__allowance_offer_headline">{name} vous offre\n&lt;accent&gt;une allocation&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} payé automatiquement</string>
diff --git a/app/src/main/res/values-it/strings.xml b/app/src/main/res/values-it/strings.xml
index 1baa5020fe..fcf93ea711 100644
--- a/app/src/main/res/values-it/strings.xml
+++ b/app/src/main/res/values-it/strings.xml
@@ -1489,6 +1489,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Budget mensile</string>
     <string name="subscriptions__allowance_monthly_limit">Limite mensile</string>
     <string name="subscriptions__allowance_no_contacts">Aggiungi prima un contatto. I budget coprono le richieste di pagamento dei tuoi contatti.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} ha impostato un budget per te</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Budget Aggiunto</string>
     <string name="subscriptions__allowance_offer_explanation">Il wallet di {name} pagherà le tue richieste entro questi limiti senza chiedere ogni volta. Ognuno di voi può terminarlo.</string>
     <string name="subscriptions__allowance_offer_headline">{name} ti offre\n&lt;accent&gt;un budget&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} pagati automaticamente</string>
diff --git a/app/src/main/res/values-nl/strings.xml b/app/src/main/res/values-nl/strings.xml
index e5ba0e3cd1..d89057a73a 100644
--- a/app/src/main/res/values-nl/strings.xml
+++ b/app/src/main/res/values-nl/strings.xml
@@ -1487,6 +1487,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Maandelijkse toelage</string>
     <string name="subscriptions__allowance_monthly_limit">Maandlimiet</string>
     <string name="subscriptions__allowance_no_contacts">Voeg eerst een contact toe. Toelagen gelden voor betaalverzoeken van uw contacten.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} heeft een toelage voor u ingesteld</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Toelage toegevoegd</string>
     <string name="subscriptions__allowance_offer_explanation">De wallet van {name} betaalt uw verzoeken binnen deze limieten zonder elke keer te vragen. Beide partijen kunnen de toelage beëindigen.</string>
     <string name="subscriptions__allowance_offer_headline">{name} biedt\n&lt;accent&gt;een toelage&lt;/accent&gt; aan</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} automatisch betaald</string>
diff --git a/app/src/main/res/values-pl/strings.xml b/app/src/main/res/values-pl/strings.xml
index a0bd13203d..cf8c71e969 100644
--- a/app/src/main/res/values-pl/strings.xml
+++ b/app/src/main/res/values-pl/strings.xml
@@ -1488,6 +1488,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Budżet miesięczny</string>
     <string name="subscriptions__allowance_monthly_limit">Limit miesięczny</string>
     <string name="subscriptions__allowance_no_contacts">Najpierw dodaj kontakt. Budżety obejmują żądania płatności od Twoich kontaktów.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} ustawił(a) dla Ciebie budżet</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Budżet dodany</string>
     <string name="subscriptions__allowance_offer_explanation">Portfel {name} będzie opłacać Twoje żądania w ramach tych limitów bez pytania za każdym razem. Każda ze stron może go zakończyć.</string>
     <string name="subscriptions__allowance_offer_headline">{name} oferuje\n&lt;accent&gt;budżet&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} opłacono automatycznie</string>
diff --git a/app/src/main/res/values-pt-rBR/strings.xml b/app/src/main/res/values-pt-rBR/strings.xml
index 40d092d2e2..ab90784d51 100644
--- a/app/src/main/res/values-pt-rBR/strings.xml
+++ b/app/src/main/res/values-pt-rBR/strings.xml
@@ -1489,6 +1489,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Mesada mensal</string>
     <string name="subscriptions__allowance_monthly_limit">Limite mensal</string>
     <string name="subscriptions__allowance_no_contacts">Adicione um contato primeiro. As mesadas cobrem solicitações de pagamento dos seus contatos.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} configurou uma mesada para você</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Mesada Adicionada</string>
     <string name="subscriptions__allowance_offer_explanation">A carteira de {name} pagará suas solicitações dentro destes limites sem perguntar a cada vez. Qualquer um de vocês pode encerrá-la.</string>
     <string name="subscriptions__allowance_offer_headline">{name} oferece\n&lt;accent&gt;uma mesada&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} pago automaticamente</string>
diff --git a/app/src/main/res/values-pt/strings.xml b/app/src/main/res/values-pt/strings.xml
index 2a9cf41e87..dd785f7be5 100644
--- a/app/src/main/res/values-pt/strings.xml
+++ b/app/src/main/res/values-pt/strings.xml
@@ -1475,6 +1475,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Mesada mensal</string>
     <string name="subscriptions__allowance_monthly_limit">Limite mensal</string>
     <string name="subscriptions__allowance_no_contacts">Adicione primeiro um contacto. As mesadas cobrem pedidos de pagamento dos seus contactos.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} configurou uma mesada para si</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Mesada adicionada</string>
     <string name="subscriptions__allowance_offer_explanation">A carteira de {name} pagará os seus pedidos dentro destes limites sem perguntar de cada vez. Qualquer uma das partes pode terminá-la.</string>
     <string name="subscriptions__allowance_offer_headline">{name} oferece\n&lt;accent&gt;uma mesada&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} pago automaticamente</string>
diff --git a/app/src/main/res/values-ru/strings.xml b/app/src/main/res/values-ru/strings.xml
index bb02ac51e7..11da04328f 100644
--- a/app/src/main/res/values-ru/strings.xml
+++ b/app/src/main/res/values-ru/strings.xml
@@ -1517,6 +1517,8 @@ Bitkit должен увеличить приёмную ёмкость ваше
     <string name="subscriptions__allowance_monthly_allowance">Ежемесячный бюджет</string>
     <string name="subscriptions__allowance_monthly_limit">Месячный лимит</string>
     <string name="subscriptions__allowance_no_contacts">Сначала добавьте контакт. Бюджеты распространяются на запросы на оплату от ваших контактов.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} настроил(а) для вас бюджет</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Бюджет Добавлен</string>
     <string name="subscriptions__allowance_offer_explanation">Кошелёк {name} будет оплачивать ваши запросы в пределах этих лимитов, не спрашивая каждый раз. Любая из сторон может его завершить.</string>
     <string name="subscriptions__allowance_offer_headline">{name} предлагает\n&lt;accent&gt;бюджет&lt;/accent&gt;</string>
     <string name="subscriptions__allowance_paid_automatically">{amount} оплачено автоматически</string>
diff --git a/app/src/main/res/values/strings.xml b/app/src/main/res/values/strings.xml
index 96ff21f7d3..f13733355e 100644
--- a/app/src/main/res/values/strings.xml
+++ b/app/src/main/res/values/strings.xml
@@ -1103,6 +1103,8 @@
     <string name="subscriptions__allowance_monthly_allowance">Monthly allowance</string>
     <string name="subscriptions__allowance_monthly_limit">Monthly limit</string>
     <string name="subscriptions__allowance_no_contacts">Add a contact first. Allowances cover payment requests from your contacts.</string>
+    <string name="subscriptions__allowance_offer_accepted_description">{name} set up an allowance for you</string>
+    <string name="subscriptions__allowance_offer_accepted_title">Allowance Added</string>
     <string name="subscriptions__allowance_offer_explanation">{name}\'s wallet will pay your requests within these limits without asking each time. Either of you can end it.</string>
     <string name="subscriptions__allowance_offer_headline"><![CDATA[{name} offers\n<accent>an allowance</accent>]]></string>
     <string name="subscriptions__allowance_paid_automatically">{amount} paid automatically</string>
diff --git a/app/src/test/java/to/bitkit/repositories/PaykitAllowanceRepoTest.kt b/app/src/test/java/to/bitkit/repositories/PaykitAllowanceRepoTest.kt
index f227257140..b101c6ff1e 100644
--- a/app/src/test/java/to/bitkit/repositories/PaykitAllowanceRepoTest.kt
+++ b/app/src/test/java/to/bitkit/repositories/PaykitAllowanceRepoTest.kt
@@ -315,8 +315,8 @@ class PaykitAllowanceRepoTest : BaseUnitTest() {
     }
 
     @Test
-    fun `received proposal is presented once and accepting answers it`() = test {
-        val proposalRecord = receivedProposal()
+    fun `received ask is presented once and accepting answers it`() = test {
+        val proposalRecord = receivedAsk()
         records = listOf(proposalRecord)
         whenever(sdk.acceptAllowance(any(), any(), any())).thenReturn(proposalRecord)
         sut.activate(identity)
@@ -333,6 +333,208 @@ class PaykitAllowanceRepoTest : BaseUnitTest() {
         verify(sdk).processOutboundPrivateMessages(fixtures.counterpartyKey)
     }
 
+    @Test
+    fun `offer from the allower is accepted without the review sheet and not announced twice`() = test {
+        // The proposer took the allower role, so this wallet is the allowee.
+        val offer = receivedProposal()
+        records = listOf(offer)
+        whenever(sdk.acceptAllowance(any(), any(), any())).thenAnswer {
+            records = listOf(fixtures.record(localRole = AllowanceLocalRole.ALLOWEE, proposedByMe = false))
+            records.single()
+        }
+        sut.activate(identity)
+        assertNull(sut.proposalForPresentation(), "An offer from the allower never opens the review sheet")
+
+        val accepted = sut.acceptOffersFromAllowers()
+
+        assertEquals(listOf(fixtures.counterpartyKey), accepted.map { it.counterparty })
+        verify(sdk).acceptAllowance(fixtures.counterpartyKey, ALLOWANCE_ID, 1uL)
+        verify(sdk).processOutboundPrivateMessages(fixtures.counterpartyKey)
+        val entry = sut.entries.value.single()
+        assertEquals(PaykitAllowance.Status.ACTIVE, entry.status(fixtures.now))
+        assertEquals(PaykitAllowance.Role.ALLOWEE, entry.role)
+        assertTrue(entry.canEnd, "The allowee can still end it")
+        assertNull(sut.proposalForPresentation())
+
+        assertTrue(sut.acceptOffersFromAllowers().isEmpty(), "An accepted offer is not accepted or announced twice")
+        verify(sdk, times(1)).acceptAllowance(any(), any(), any())
+    }
+
+    @Test
+    fun `failed offer accept stays unanswered and is retried and announced once on the next refresh`() = test {
+        records = listOf(receivedProposal())
+        whenever(sdk.acceptAllowance(any(), any(), any())).thenThrow(RuntimeException("offline"))
+        sut.activate(identity)
+
+        assertTrue(sut.acceptOffersFromAllowers().isEmpty(), "A failed accept is not announced")
+        assertEquals(PaykitAllowance.Status.AWAITING_MY_ANSWER, sut.entries.value.single().status(fixtures.now))
+        assertNull(sut.proposalForPresentation(), "A failed offer still never opens the review sheet")
+
+        acceptFlipsRecordToActive()
+        assertEquals(listOf(fixtures.counterpartyKey), sut.acceptOffersFromAllowers().map { it.counterparty })
+        assertTrue(sut.acceptOffersFromAllowers().isEmpty())
+        verify(sdk, times(2)).acceptAllowance(any(), any(), any())
+    }
+
+    @Test
+    fun `offers are neither accepted nor announced while the session cannot announce or continue`() = test {
+        records = listOf(receivedProposal())
+        acceptFlipsRecordToActive()
+        sut.activate(identity)
+
+        assertTrue(sut.acceptOffersFromAllowers(canAnnounce = { false }).isEmpty())
+        assertTrue(sut.acceptOffersFromAllowers(canContinue = { false }).isEmpty())
+
+        verify(sdk, never()).acceptAllowance(any(), any(), any())
+    }
+
+    @Test
+    fun `offer accepted as the app backgrounds is still announced and no further offer is accepted`() = test {
+        val secondOffer = fixtures.record(
+            allowanceId = "Y",
+            counterparty = fixtures.otherCounterpartyKey,
+            localRole = AllowanceLocalRole.ALLOWEE,
+            state = AllowanceLifecycleState.PROPOSED,
+            proposedByMe = false,
+        )
+        records = listOf(receivedProposal(), secondOffer)
+        whenever(sdk.acceptAllowance(any(), any(), any())).thenAnswer { records.first() }
+        sut.activate(identity)
+
+        var checks = 0
+        val announced = sut.acceptOffersFromAllowers(canContinue = { ++checks == 1 })
+
+        assertEquals(1, announced.size, "An offer already accepted is announced, since it is never announced later")
+        verify(sdk, times(1)).acceptAllowance(any(), any(), any())
+    }
+
+    @Test
+    fun `offer accepted while the profile is being deleted is not announced`() = test {
+        records = listOf(receivedProposal())
+        acceptFlipsRecordToActive()
+        sut.activate(identity)
+
+        var checks = 0
+        val announced = sut.acceptOffersFromAllowers(canAnnounce = { ++checks == 1 })
+
+        assertTrue(announced.isEmpty(), "An accept that outlived its session is not announced")
+        verify(sdk).acceptAllowance(fixtures.counterpartyKey, ALLOWANCE_ID, 1uL)
+    }
+
+    @Test
+    fun `offer accept never answers an ask that joined the entry after the check`() = test {
+        val secondAllower = "pubky" + "a".repeat(52)
+        val asker = "pubky" + "m".repeat(52)
+        val offerX = fixtures.record(
+            allowanceId = "X",
+            localRole = AllowanceLocalRole.ALLOWEE,
+            state = AllowanceLifecycleState.PROPOSED,
+            proposedByMe = false,
+        )
+        records = listOf(
+            fixtures.record(
+                allowanceId = "Y",
+                counterparty = secondAllower,
+                localRole = AllowanceLocalRole.ALLOWEE,
+                state = AllowanceLifecycleState.PROPOSED,
+                proposedByMe = false,
+            ),
+            offerX,
+        )
+        whenever(sdk.acceptAllowance(any(), any(), any())).thenAnswer {
+            if (it.getArgument<String>(1) == "Y") {
+                records = listOf(
+                    fixtures.record(
+                        allowanceId = "Y",
+                        counterparty = secondAllower,
+                        localRole = AllowanceLocalRole.ALLOWEE,
+                        proposedByMe = false,
+                    ),
+                    offerX,
+                    fixtures.record(
+                        allowanceId = "X",
+                        counterparty = asker,
+                        localRole = AllowanceLocalRole.ALLOWER,
+                        state = AllowanceLifecycleState.PROPOSED,
+                        proposedByMe = false,
+                    ),
+                )
+            }
+            records.first()
+        }
+        sut.activate(identity)
+
+        sut.acceptOffersFromAllowers()
+
+        verify(sdk).acceptAllowance(eq(fixtures.counterpartyKey), eq("X"), any())
+        verify(sdk, never()).acceptAllowance(eq(asker), eq("X"), any())
+    }
+
+    @Test
+    fun `offer accepted after the identity changed is not announced`() = test {
+        records = listOf(receivedProposal())
+        whenever(sdk.acceptAllowance(any(), any(), any())).thenAnswer {
+            sut.deactivate()
+            records.single()
+        }
+        sut.activate(identity)
+
+        assertTrue(sut.acceptOffersFromAllowers().isEmpty())
+        verify(sdk).acceptAllowance(fixtures.counterpartyKey, ALLOWANCE_ID, 1uL)
+    }
+
+    @Test
+    fun `ask from the allowee is left for the review sheet`() = test {
+        // The proposer took the allowee role, so this wallet is the allower and pays: the user decides.
+        records = listOf(receivedAsk())
+        sut.activate(identity)
+
+        assertTrue(sut.acceptOffersFromAllowers().isEmpty())
+
+        verify(sdk, never()).acceptAllowance(any(), any(), any())
+        assertEquals(entryKey, sut.proposalForPresentation()?.id)
+        assertEquals(PaykitAllowance.Status.AWAITING_MY_ANSWER, sut.entries.value.single().status(fixtures.now))
+    }
+
+    @Test
+    fun `proposal sent or already answered is never accepted`() = test {
+        records = listOf(
+            fixtures.record(allowanceId = "sent", state = AllowanceLifecycleState.PROPOSED, proposedByMe = true),
+            fixtures.record(
+                allowanceId = "declined",
+                localRole = AllowanceLocalRole.ALLOWEE,
+                state = AllowanceLifecycleState.REJECTED,
+                proposedByMe = false,
+            ),
+            fixtures.record(
+                allowanceId = "ended",
+                localRole = AllowanceLocalRole.ALLOWEE,
+                state = AllowanceLifecycleState.ENDED,
+                proposedByMe = false,
+            ),
+            fixtures.record(
+                allowanceId = "active",
+                localRole = AllowanceLocalRole.ALLOWEE,
+                state = AllowanceLifecycleState.ACCEPTED,
+                proposedByMe = false,
+            ),
+        )
+        sut.activate(identity)
+
+        assertTrue(sut.acceptOffersFromAllowers().isEmpty())
+
+        verify(sdk, never()).acceptAllowance(any(), any(), any())
+    }
+
+    @Test
+    fun `offers are not accepted without an identity`() = test {
+        records = listOf(receivedProposal())
+
+        assertTrue(sut.acceptOffersFromAllowers().isEmpty())
+
+        verify(sdk, never()).acceptAllowance(any(), any(), any())
+    }
+
     @Test
     fun `accepting a proposal never answers another contact's proposal with the same id`() = test {
         val offer = receivedProposal()
@@ -344,16 +546,17 @@ class PaykitAllowanceRepoTest : BaseUnitTest() {
             lastEventAt = "2026-09-01T10:00:00Z",
         )
         records = listOf(offer, ask)
-        whenever(sdk.acceptAllowance(any(), any(), any())).thenReturn(offer)
+        whenever(sdk.acceptAllowance(any(), any(), any())).thenReturn(ask)
         sut.activate(identity)
 
+        // The offer is accepted automatically, so the sheet presents the other contact's ask.
         val presented = checkNotNull(sut.proposalForPresentation())
-        assertEquals(PaykitAllowance.Role.ALLOWEE, presented.role)
-        assertEquals(fixtures.counterpartyKey, presented.counterparty)
+        assertEquals(PaykitAllowance.Role.ALLOWER, presented.role)
+        assertEquals(fixtures.otherCounterpartyKey, presented.counterparty)
         assertTrue(sut.accept(presented.id).isSuccess)
 
-        verify(sdk).acceptAllowance(fixtures.counterpartyKey, ALLOWANCE_ID, 1uL)
-        verify(sdk, never()).acceptAllowance(eq(fixtures.otherCounterpartyKey), any(), any())
+        verify(sdk).acceptAllowance(fixtures.otherCounterpartyKey, ALLOWANCE_ID, 1uL)
+        verify(sdk, never()).acceptAllowance(eq(fixtures.counterpartyKey), any(), any())
     }
 
     @Test
@@ -585,12 +788,25 @@ class PaykitAllowanceRepoTest : BaseUnitTest() {
         createdAtMillis = fixtures.now.toEpochMilliseconds(),
     )
 
+    private fun acceptFlipsRecordToActive() {
+        whenever { sdk.acceptAllowance(any(), any(), any()) }.thenAnswer {
+            records = listOf(fixtures.record(localRole = AllowanceLocalRole.ALLOWEE, proposedByMe = false))
+            records.single()
+        }
+    }
+
     private fun receivedProposal() = fixtures.record(
         localRole = AllowanceLocalRole.ALLOWEE,
         state = AllowanceLifecycleState.PROPOSED,
         proposedByMe = false,
     )
 
+    private fun receivedAsk() = fixtures.record(
+        localRole = AllowanceLocalRole.ALLOWER,
+        state = AllowanceLifecycleState.PROPOSED,
+        proposedByMe = false,
+    )
+
     @Suppress("LongParameterList")
     private fun journalEntry(
         attemptId: String,
diff --git a/app/src/test/java/to/bitkit/repositories/PaykitAllowanceTest.kt b/app/src/test/java/to/bitkit/repositories/PaykitAllowanceTest.kt
index fcc64ec732..b8b2101055 100644
--- a/app/src/test/java/to/bitkit/repositories/PaykitAllowanceTest.kt
+++ b/app/src/test/java/to/bitkit/repositories/PaykitAllowanceTest.kt
@@ -46,6 +46,36 @@ class PaykitAllowanceTest : BaseUnitTest() {
 
     // region Records
 
+    @Test
+    fun `only a received proposal from the allower is an offer`() {
+        val fromAllower = fixtures.allowance(
+            role = PaykitAllowance.Role.ALLOWEE,
+            state = AllowanceLifecycleState.PROPOSED,
+            isProposedByMe = false,
+        )
+        assertTrue(fromAllower.isOfferFromAllower)
+        assertTrue(fromAllower.isAnswerable)
+
+        val fromAllowee = fixtures.allowance(
+            role = PaykitAllowance.Role.ALLOWER,
+            state = AllowanceLifecycleState.PROPOSED,
+            isProposedByMe = false,
+        )
+        assertFalse(fromAllowee.isOfferFromAllower)
+        assertTrue(fromAllowee.isAnswerable)
+
+        for (role in PaykitAllowance.Role.entries) {
+            val sent = fixtures.allowance(role = role, state = AllowanceLifecycleState.PROPOSED, isProposedByMe = true)
+            assertFalse(sent.isOfferFromAllower)
+        }
+        val answered = fixtures.allowance(
+            role = PaykitAllowance.Role.ALLOWEE,
+            state = AllowanceLifecycleState.ACCEPTED,
+            isProposedByMe = false,
+        )
+        assertFalse(answered.isOfferFromAllower)
+    }
+
     @Test
     fun `record reads back sats, anchor, role and allowlist`() {
         val allowlist = listOf(fixtures.lightningIdentifier, fixtures.onchainIdentifier)
@@ -603,11 +633,12 @@ internal object PaykitAllowanceFixtures {
         monthlyAnchor: Instant? = septemberAnchor,
         expiresAt: Instant? = null,
         lastEventAt: Instant? = null,
+        isProposedByMe: Boolean = role == PaykitAllowance.Role.ALLOWER,
     ) = PaykitAllowance(
         id = PaykitAllowance.Id(counterparty, allowanceId),
         role = role,
         lifecycleState = state,
-        isProposedByMe = role == PaykitAllowance.Role.ALLOWER,
+        isProposedByMe = isProposedByMe,
         perPaymentMaxSats = perPaymentMaxSats,
         monthlyLimitSats = monthlyLimitSats,
         monthlyAnchor = monthlyAnchor,
diff --git a/app/src/test/java/to/bitkit/viewmodels/AppViewModelSendFlowTest.kt b/app/src/test/java/to/bitkit/viewmodels/AppViewModelSendFlowTest.kt
index 6e1288040e..f8ebd1a614 100644
--- a/app/src/test/java/to/bitkit/viewmodels/AppViewModelSendFlowTest.kt
+++ b/app/src/test/java/to/bitkit/viewmodels/AppViewModelSendFlowTest.kt
@@ -712,6 +712,7 @@ class AppViewModelSendFlowTest : BaseUnitTest() {
         whenever(paykitAllowanceRepo.events).thenReturn(MutableSharedFlow())
         whenever { paykitAllowanceRepo.refresh() }.thenReturn(Result.success(Unit))
         whenever { paykitAllowanceRepo.beginManualPayment(any(), any()) }.thenReturn(Result.success(null))
+        whenever { paykitAllowanceRepo.acceptOffersFromAllowers(any(), any()) }.thenReturn(emptyList())
         whenever { paykitAllowanceRepo.processIncomingRequests(any()) }.thenReturn(false)
         whenever { paykitAllowanceRepo.isAutomaticallyHandling(any()) }.thenReturn(false)
         whenever(paykitAllowanceRepo.isUpdating).thenReturn(false)
diff --git a/changelog.d/next/1385.added.md b/changelog.d/next/1385.added.md
new file mode 100644
index 0000000000..70ea6904fb
--- /dev/null
+++ b/changelog.d/next/1385.added.md
@@ -0,0 +1 @@
+Allowances now activate automatically on the receiving wallet: when a contact sets up an allowance for you, Bitkit accepts it and lets you know.
diff --git a/journeys/allowances/README.md b/journeys/allowances/README.md
index e362b0e19e..e438e131ed 100644
--- a/journeys/allowances/README.md
+++ b/journeys/allowances/README.md
@@ -1,7 +1,7 @@
 # Allowances journeys
 
 Cover the Paykit allowance lifecycle between two Bitkit instances: the payer sets an allowance for a
-contact, the payee accepts it, requests within the limits are paid without asking, a request above a
+contact, the payee's wallet accepts it by itself, requests within the limits are paid without asking, a request above a
 limit falls back to the normal Payment Request sheet, and either side ends it. The restart journey
 pins the one rule that must never break: a payment interrupted mid-flight is never paid twice.
 
@@ -14,9 +14,10 @@ that sets the allowance), the other the payee (the one that sends requests). Aut
 over Lightning only, so the payer needs a spending balance above 50,000 sats with a usable channel,
 and the payee needs receiving capacity; fund both through the staging LSP.
 
-Grant the payer notification permission first (`adb shell pm grant to.bitkit.dev
-android.permission.POST_NOTIFICATIONS`): the "Payment Executed" and "Limit Reached" events post a
-system notification when they can, and fall back to a toast that `android layout` cannot see.
+Grant both instances notification permission first (`adb shell pm grant to.bitkit.dev
+android.permission.POST_NOTIFICATIONS`): the payer's "Payment Executed" and "Limit Reached" events and
+the payee's "Allowance Added" event post a system notification when they can, and fall back to a toast
+that `android layout` cannot see.
 
 The journeys set $5 a payment and $50 a month, the second stop on each slider, and the cap journey
 sets $5 a payment and $10 a month, the first monthly stop. Requests are one-time Payment Requests
@@ -39,8 +40,10 @@ killed right after handing the payment to the node never paid twice after relaun
   `AllowancePerPaymentStop-<index>` and `AllowanceMonthlyStop-<index>`, `AllowanceSummary`,
   `AllowanceSave`
 - List row: `AllowanceRow-<entryId>` with its status line `AllowanceRowStatus`; the entry id is the payer's grant id, or the contact key and allowance id on the payee
-- Review sheet (payee): `AllowanceReview`, `AllowanceCounterparty`, `AllowancePerPaymentValue`,
-  `AllowanceMonthlyValue`, `AllowanceAccept`, `AllowanceDecline`
+- Offer notification (payee): the toast `AllowanceOfferAcceptedToast` when notifications are off
+- Review sheet: `AllowanceReview`, `AllowanceCounterparty`, `AllowancePerPaymentValue`,
+  `AllowanceMonthlyValue`, `AllowanceAccept`, `AllowanceDecline`; it opens only on the allower's wallet
+  for an allowance the payee asked for, never for the payer's own offer
 - Detail sheet: `AllowanceDetail`, `AllowancePaidSoFar`, `AllowanceDetailStatus`
 - Payments tab: `Tab-payments`, `PaymentRequestCreate`, `PaymentRequestRow-<paymentRequestId>`
   whose subtitle ends with "· Auto-paid" for an automatic payment
@@ -50,6 +53,7 @@ A payer who requires a PIN for payments sees the PIN pad (or biometrics) over th
 an allowance, and when accepting an allowance a payee asked for; the payee's answers and automatic payments never
 ask. `pin-gates-allowance-changes.xml` covers it.
 
-The review sheet on the payee opens on its own about a second after the proposal arrives; no tap is
-needed to reach it. `android layout` can omit test tags applied to plain `Box` and `Column`
+The payee's wallet accepts the payer's offer as soon as it arrives, about a second after the
+proposal is received, and posts "<payer> set up an allowance for you"; no review sheet opens and no
+tap is needed. `android layout` can omit test tags applied to plain `Box` and `Column`
 containers; use the raw UI Automator hierarchy when a documented container tag is missing.
diff --git a/journeys/allowances/pin-gates-allowance-changes.xml b/journeys/allowances/pin-gates-allowance-changes.xml
index b565565328..c4fd12ff67 100644
--- a/journeys/allowances/pin-gates-allowance-changes.xml
+++ b/journeys/allowances/pin-gates-allowance-changes.xml
@@ -2,8 +2,8 @@
   <description>
     When the payer requires a PIN for payments, setting an allowance and ending it ask for the same
     PIN (or biometrics) as Send before anything changes, and a cancelled check changes nothing. The
-    payee's answers never ask. Automatic payments under an accepted allowance never ask: the checked
-    grant is their authorisation.
+    payee's wallet accepts the offer by itself and never asks. Automatic payments under an accepted
+    allowance never ask: the checked grant is their authorisation.
 
     Precondition: the two-instance setup in README.md, with no allowance between them yet. On the
     payer, enable a PIN you choose under Settings ▸ Security ▸ PIN Code and turn on "Also require for
@@ -14,10 +14,10 @@
     <action>On the payer instance, open Subscriptions, tap the Allowances tab, tap Add (testTag "AllowanceAdd"), pick the payee and keep $5 a payment and $50 a month</action>
     <action>Tap Save Allowance (testTag "AllowanceSave")</action>
     <action>Verify the PIN pad shows over the sheet, then press back</action>
-    <action>Verify the Set sheet (testTag "SetAllowance") is still showing with the same payee and limits, and the payee instance gets no review sheet</action>
+    <action>Verify the Set sheet (testTag "SetAllowance") is still showing with the same payee and limits, and the payee instance gets no "Allowance Added" notification</action>
     <action>Tap Save Allowance again and enter the PIN</action>
     <action>Verify the sheet dismisses and the payer's row reads "Waiting for an answer"</action>
-    <action>On the payee instance, verify the review sheet (testTag "AllowanceReview") opens on its own, tap Accept (testTag "AllowanceAccept") and verify no PIN is asked</action>
+    <action>On the payee instance, verify "Allowance Added" arrives with no review sheet (testTag "AllowanceReview"), no tap and no PIN, and the payer's row turns Active</action>
     <action>On the payee instance, send the payer a one-time Payment Request for $2 and verify the payer pays it automatically with no PIN pad, per auto-pay-under-limit.xml</action>
     <action>On the payer instance, tap the payee's row and swipe "Swipe To End Allowance" to the end</action>
     <action>Verify the PIN pad shows, press back, and verify the detail sheet (testTag "AllowanceDetail") is back with the swipe control at its start and the allowance still Active</action>
diff --git a/journeys/allowances/set-and-accept.xml b/journeys/allowances/set-and-accept.xml
index b8cf7daa6b..426b8d28db 100644
--- a/journeys/allowances/set-and-accept.xml
+++ b/journeys/allowances/set-and-accept.xml
@@ -1,9 +1,10 @@
 <journey name="Set And Accept Allowance">
   <description>
-    The payer sets an allowance for a contact from the Allowances tab, and the payee sees the offer
-    open by itself and accepts it. Until the payee answers, the payer's row reads "Waiting for an
-    answer"; after it, both sides show the allowance as Active. The other allowance journeys start
-    from the Active state this one ends in.
+    The payer sets an allowance for a contact from the Allowances tab, and the payee's wallet accepts
+    the offer by itself: no review sheet opens and the payee taps nothing. The payee gets a "&lt;payer&gt;
+    set up an allowance for you" notification, and both sides show the allowance as Active. Until the
+    payee's wallet has received the offer, the payer's row reads "Waiting for an answer". The other
+    allowance journeys start from the Active state this one ends in.
   </description>
   <actions>
     <action>Launch the E2E Bitkit app with Paykit UI enabled on both instances, each with the other saved as a linked contact, the payer holding a spendable balance above 50,000 sats with a usable Lightning channel</action>
@@ -18,9 +19,8 @@
     <action>Tap Save Allowance (testTag "AllowanceSave")</action>
     <action>Verify the sheet dismisses and the list shows one row for the payee (testTag "AllowanceRow-&lt;entryId&gt;") whose status line (testTag "AllowanceRowStatus") reads "Waiting for an answer", with "$ 50.00" over "Monthly limit" on the right</action>
     <action>Switch to the payee instance and bring Bitkit to the foreground</action>
-    <action>Verify the Allowance review sheet (testTag "AllowanceReview") opens on its own within a few seconds, headed "&lt;payer&gt; offers an allowance", with the payer's contact card (testTag "AllowanceCounterparty"), PER PAYMENT "Up to $5.00" (testTag "AllowancePerPaymentValue") and EACH MONTH "Up to $50.00" (testTag "AllowanceMonthlyValue")</action>
-    <action>Tap Accept (testTag "AllowanceAccept")</action>
-    <action>Verify the sheet dismisses; open the drawer menu, tap Subscriptions, tap the Allowances tab and verify the payer's row reads "Active" followed by the per-payment limit</action>
+    <action>Verify no Allowance review sheet (testTag "AllowanceReview") opens on the payee and that a notification "Allowance Added" reading "&lt;payer&gt; set up an allowance for you" arrives (or, with notifications off, the toast with testTag "AllowanceOfferAcceptedToast")</action>
+    <action>On the payee, open the drawer menu, tap Subscriptions, tap the Allowances tab and verify the payer's row reads "Active" followed by the per-payment limit, with no Accept or Decline step</action>
     <action>Switch back to the payer instance and verify its row now reads "Active · $5 a payment"</action>
   </actions>
 </journey>