diff --git a/.agent/context/20260913T-payment-prepare-regression.md b/.agent/context/20260913T-payment-prepare-regression.md
new file mode 100644
index 0000000..fb271bc
--- /dev/null
+++ b/.agent/context/20260913T-payment-prepare-regression.md
@@ -0,0 +1,30 @@
+# Payment prepare regression
+
+## Goal
+
+Restore the authenticated web console path that prepares a user-wallet payment
+after quote approval, so approval reaches `POST /v1/jobs/user-wallet/prepare`
+and can continue to wallet submission.
+
+## Acceptance criteria
+
+- Privy-authenticated console passes `usePrivyUserWallet()` into `App`.
+- A connected-wallet approval uses the existing prepare and submit client
+  methods; it does not fall back to `POST /v1/jobs`.
+- Existing server-wallet/API composition remains available when no browser
+  wallet is supplied.
+- No settlement or idempotency boundary is changed.
+
+## Evidence and assumption
+
+- Commit `91a7744` removed the `usePrivyUserWallet()` call from
+  `apps/web/src/main.tsx`.
+- `JobWorkspace` intentionally calls `start()` only when `userWallet` is
+  absent; otherwise it calls `prepareUserWalletJob()`.
+- The fix is limited to the current repository and branch
+  `fix/restore-user-wallet-prepare`.
+
+## Non-goals
+
+- No API, storage, settlement, or worker changes.
+- No changes to payment amounts, recipients, or provider idempotency logic.
diff --git a/apps/web/src/main.tsx b/apps/web/src/main.tsx
index 045c3e3..68b5a2a 100644
--- a/apps/web/src/main.tsx
+++ b/apps/web/src/main.tsx
@@ -13,10 +13,14 @@ const PrivyConsole = lazy(async () => {
   const module = await import('./auth/privy-session.js');
   function AuthenticatedApp() {
     const session = module.usePrivyOperatorSession();
-    // Privy login authenticates the operator only. Payments run server-side
-    // through the execution wallet (SERVER_PRIVY); the browser wallet is
-    // intentionally not wired into the console.
-    return <App route={window.location.pathname} useOperatorSession={() => session} />;
+    const userWallet = module.usePrivyUserWallet();
+    return (
+      <App
+        route={window.location.pathname}
+        useOperatorSession={() => session}
+        userWallet={userWallet}
+      />
+    );
   }
   return {
     default: () => (