Let everyone on a trip see it, and give payments their scope back

Trips were scoped to trips.owner_id, so Sonu saw no trips at all — despite
having paid for 104 of the tagged rows herself. Her own spending was invisible
on the only page organised around it.

A participant is now anyone with a split on, who paid for, or whose payment is
scoped to, a transaction tagged to the trip. Derived, not stored. A
trip_participants table was designed and rejected: the expenses already carry
the fact, and two records of one fact drift apart. Deriving it also excludes
Singapore + Bangkok 2026 from Sonu for free, which a table would have to be kept
in sync to do. Siddharth 4 trips, Sonu 3, Molina 1.

Everything about a trip is shared except delete. Both trip foreign keys are
ON DELETE SET NULL, so deleting Europe 2026 untags 210 transactions and NULLs
the trip scope on 6 payments — where the hand-derived Europe-first allocation
lives, which nothing recomputes. That stays with the owner.

Trip owed now returns both directions and nets neither. An obligation lives on a
row someone else paid for, so a viewer-as-payer figure can never hold it, and
Sonu's Europe read "you are owed $2,408.24" while omitting the $8,004.04 she
owed. Collapsing the two into a signed net is the tempting next step and would
have corrupted the scope allocation: the grouped-payment allocation cleared each
trip against the one-directional gross, so redefining the debt afterwards turns
$8,004.04 already allocated into an $802.75 over-allocation with household
understated by the same amount. Verified byte-identical — Auckland $1,505.64,
Europe Molina -$816.16, Europe Sonu $0.00, Sonu + Sunny $0.00.

getTransactions gained trip_all_rows so a participant sees the whole trip. It is
opt-in and not implied by trip_id, because the same endpoint backs the main
transactions list and its trip filter must keep owner scoping. Participation is
re-checked in SQL, so passing the flag for someone else's trip returns nothing.

Payments can finally say what they settle. trip_id has existed since migration
0022 but POST never read it and GET never returned it, so every payment made in
the app landed on household and the 9 trip-scoped rows were hand-written SQL.
"Both" needs no new shape — one row per scope sharing a linked_transaction_id.

Three write paths had no authorisation at all and were reachable by any
participant: assignTransactionsToTrip checked nothing, DELETE on a payment
deleted by bare id, and POST accepted any from/to pair. All three now check.

Also fixes the test suite, which was pointing at postgres-pantry: container IPs
move on recreation and 172.22.0.47 stopped being postgres-personal. It only
failed safe because the credentials did not match — resetDB now refuses to
truncate anything not named personal_test.

22 new tests, 276 passing, build clean.

src/__tests__/integration/helpers.ts

@@ -27,8 +27,36 @@ export function mockDbWithPool(p: Pool) {
   }));
 }
 
+/**
+ * Refuse to truncate anything that is not the test database.
+ *
+ * `DATABASE_URL` in `.env.test` names the Postgres container by IP, and
+ * container IPs move on recreation: 172.22.0.47 stopped being
+ * `postgres-personal` and became `postgres-pantry`, so the suite spent a while
+ * pointing its TRUNCATE at another app's database. It only failed safe because
+ * the credentials happened not to match — had they matched, this would have
+ * wiped pantry-app.
+ *
+ * Checked once per process, before the first truncate.
+ */
+let targetVerified = false;
+async function assertTestDatabase(pool: Pool) {
+  if (targetVerified) return;
+  const { rows } = await pool.query<{ db: string }>(`SELECT current_database() AS db`);
+  const db = rows[0]?.db;
+  if (db !== "personal_test") {
+    throw new Error(
+      `Refusing to truncate: connected to "${db}", expected "personal_test". ` +
+      `Check DATABASE_URL in .env.test — the Postgres container IP may have changed ` +
+      `(docker inspect postgres-personal --format '{{range .NetworkSettings.Networks}}{{.IPAddress}}{{end}}').`
+    );
+  }
+  targetVerified = true;
+}
+
 /** Wipe all data tables and restart sequences between tests. */
 export async function resetDB(pool: Pool) {
+  await assertTestDatabase(pool);
   await pool.query(`
     TRUNCATE
       split_payments,

src/__tests__/integration/queries.test.ts

@@ -8,7 +8,10 @@ mockDbWithPool(pool);
 
 // Dynamic import AFTER the mock ensures getTransactions / getParticipantBalances
 // use the test pool rather than Prisma's singleton.
-const { getTransactions, getParticipantBalances, getTripAnalytics, getTripById, getStatements } = await import("@/lib/queries");
+const {
+  getTransactions, getParticipantBalances, getTripAnalytics, getTripById, getStatements,
+  getTrips, isTripParticipant, assignTransactionsToTrip, deleteTrip,
+} = await import("@/lib/queries");
 
 beforeEach(async () => {
   await resetDB(pool);
@@ -778,3 +781,369 @@ describe("the split cutover gates every balance", () => {
     expect(Number(bob?.total_owed ?? 0)).toBeCloseTo(0);
   });
 });
+
+// ── Trip participation ────────────────────────────────────────────────────────
+//
+// Trips were scoped to `trips.owner_id`, so a co-traveller saw nothing: Sonu
+// could not open a single trip despite paying for 104 of the tagged rows
+// herself. Participation is DERIVED from the expenses rather than stored as a
+// membership list, because a trip is all the expenses on one trip — and two
+// records of one fact drift apart.
+
+describe("trip participation — visibility", () => {
+  /** A trip owned by `ownerId` with one row `ownerId` paid for. */
+  async function tripWithOwnerRow(ownerId: number, name = "Owned Trip") {
+    const trip = await pool.query(
+      `INSERT INTO trips (owner_id, name) VALUES ($1, $2) RETURNING id`,
+      [ownerId, name]
+    );
+    const tripId = trip.rows[0].id as number;
+    const txId = await insertTransaction(pool, ownerId, { amount: 200, category: "travel" });
+    await pool.query(
+      `INSERT INTO transaction_overrides (transaction_id, trip_id) VALUES ($1, $2)`,
+      [txId, tripId]
+    );
+    return { tripId, txId };
+  }
+
+  it("shows a trip to its owner", async () => {
+    const { ownerId } = await seedParticipants(pool);
+    const { tripId } = await tripWithOwnerRow(ownerId);
+
+    const trips = await getTrips(ownerId);
+    expect(trips.map((t) => t.id)).toContain(tripId);
+  });
+
+  it("shows a trip to someone holding a split on one of its rows", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const { tripId, txId } = await tripWithOwnerRow(ownerId);
+    await pool.query(
+      `INSERT INTO transaction_splits (transaction_id, participant_id, share_percent)
+       VALUES ($1, $2, 50)`,
+      [txId, otherId]
+    );
+
+    const trips = await getTrips(otherId);
+    expect(trips.map((t) => t.id)).toContain(tripId);
+    expect(await isTripParticipant(tripId, otherId)).toBe(true);
+  });
+
+  it("shows a trip to someone who paid for one of its rows but holds no split", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const { tripId } = await tripWithOwnerRow(ownerId);
+    const theirTx = await insertTransaction(pool, otherId, { amount: 80, category: "travel" });
+    await pool.query(
+      `INSERT INTO transaction_overrides (transaction_id, trip_id) VALUES ($1, $2)`,
+      [theirTx, tripId]
+    );
+
+    expect((await getTrips(otherId)).map((t) => t.id)).toContain(tripId);
+  });
+
+  it("shows a trip to someone whose payment is scoped to it", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const { tripId } = await tripWithOwnerRow(ownerId);
+    await pool.query(
+      `INSERT INTO split_payments (from_participant_id, to_participant_id, amount, payment_date, trip_id)
+       VALUES ($1, $2, 50, '2026-06-20', $3)`,
+      [otherId, ownerId, tripId]
+    );
+
+    expect((await getTrips(otherId)).map((t) => t.id)).toContain(tripId);
+  });
+
+  // The Singapore + Bangkok 2026 case. A trip nobody else took must not appear
+  // just because trips became shareable — this is the whole reason
+  // participation is derived from the expenses rather than granted.
+  it("HIDES a trip from someone with no split, no row and no payment on it", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const { tripId } = await tripWithOwnerRow(ownerId, "Solo Trip");
+
+    expect((await getTrips(otherId)).map((t) => t.id)).not.toContain(tripId);
+    expect(await isTripParticipant(tripId, otherId)).toBe(false);
+    expect(await getTripById(tripId, otherId)).toBeNull();
+  });
+});
+
+describe("trip owed — both directions, never netted", () => {
+  /** `payerId` paid a $200 travel row on the trip; `splitId` holds 50% of it. */
+  async function seed(payerId: number, splitId: number, ownerId: number) {
+    const trip = await pool.query(
+      `INSERT INTO trips (owner_id, name) VALUES ($1, 'Pair Trip') RETURNING id`,
+      [ownerId]
+    );
+    const tripId = trip.rows[0].id as number;
+    const txId = await insertTransaction(pool, payerId, { amount: 200, category: "travel" });
+    await pool.query(
+      `INSERT INTO transaction_overrides (transaction_id, trip_id) VALUES ($1, $2)`,
+      [txId, tripId]
+    );
+    await pool.query(
+      `INSERT INTO transaction_splits (transaction_id, participant_id, share_percent)
+       VALUES ($1, $2, 50)`,
+      [txId, splitId]
+    );
+    return tripId;
+  }
+
+  it("the payer sees it as owed to them, with nothing on the mirror", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const tripId = await seed(ownerId, otherId, ownerId);
+
+    const { participant_splits } = await getTripAnalytics(tripId, ownerId);
+    const bob = participant_splits.find((r) => r.participant_id === otherId)!;
+    expect(Number(bob.owed)).toBeCloseTo(100);
+    expect(Number(bob.i_owe)).toBeCloseTo(0);
+    expect(Number(bob.i_owe_gross)).toBeCloseTo(0);
+  });
+
+  // The figure that could not exist before. An obligation lives on a row someone
+  // ELSE paid for, so a viewer-as-payer query can never contain it — which is
+  // why Sonu's Europe page read "you are owed $2,408.24" while omitting the
+  // $8,004.04 she owed.
+  it("the split holder sees the same figure as owed BY them", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const tripId = await seed(ownerId, otherId, ownerId);
+
+    const { participant_splits } = await getTripAnalytics(tripId, otherId);
+    const alice = participant_splits.find((r) => r.participant_id === ownerId)!;
+    expect(Number(alice.i_owe)).toBeCloseTo(100);
+    expect(Number(alice.owed)).toBeCloseTo(0);
+  });
+
+  // Europe 2026: paid in full, so the net is zero but the gross is not — the UI
+  // needs both to say "settled" rather than a bare "0.00".
+  it("keeps gross and paid alongside the net so a paid-up trip reads as settled", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const tripId = await seed(ownerId, otherId, ownerId);
+    await pool.query(
+      `INSERT INTO split_payments (from_participant_id, to_participant_id, amount, payment_date, trip_id)
+       VALUES ($1, $2, 100, '2026-06-20', $3)`,
+      [otherId, ownerId, tripId]
+    );
+
+    const asPayer = await getTripAnalytics(tripId, ownerId);
+    const bob = asPayer.participant_splits.find((r) => r.participant_id === otherId)!;
+    expect(Number(bob.owed)).toBeCloseTo(0);
+    expect(Number(bob.owed_gross)).toBeCloseTo(100);
+    expect(Number(bob.paid_to_me)).toBeCloseTo(100);
+
+    const asDebtor = await getTripAnalytics(tripId, otherId);
+    const alice = asDebtor.participant_splits.find((r) => r.participant_id === ownerId)!;
+    expect(Number(alice.i_owe)).toBeCloseTo(0);
+    expect(Number(alice.i_owe_gross)).toBeCloseTo(100);
+    expect(Number(alice.paid_by_me)).toBeCloseTo(100);
+  });
+
+  // Netting the two would redefine the debt the grouped-payment allocation was
+  // computed against, turning a settled trip into an overpayment and leaving
+  // household understated by the same amount.
+  it("does not net the two directions against each other", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const tripId = await seed(ownerId, otherId, ownerId);
+    // A second row, paid the other way, so both directions are live at once.
+    const theirTx = await insertTransaction(pool, otherId, { amount: 60, category: "travel" });
+    await pool.query(
+      `INSERT INTO transaction_overrides (transaction_id, trip_id) VALUES ($1, $2)`,
+      [theirTx, tripId]
+    );
+    await pool.query(
+      `INSERT INTO transaction_splits (transaction_id, participant_id, share_percent)
+       VALUES ($1, $2, 50)`,
+      [theirTx, ownerId]
+    );
+
+    const { participant_splits } = await getTripAnalytics(tripId, ownerId);
+    const bob = participant_splits.find((r) => r.participant_id === otherId)!;
+    expect(Number(bob.owed)).toBeCloseTo(100);
+    expect(Number(bob.i_owe)).toBeCloseTo(30);
+    // Emphatically not 70.
+    expect(Number(bob.owed) - Number(bob.i_owe)).toBeCloseTo(70);
+  });
+
+  it("reports whether the viewer owns the trip", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const tripId = await seed(ownerId, otherId, ownerId);
+
+    expect((await getTripAnalytics(tripId, ownerId)).viewer_is_owner).toBe(true);
+    expect((await getTripAnalytics(tripId, otherId)).viewer_is_owner).toBe(false);
+  });
+});
+
+describe("getTransactions — trip_all_rows", () => {
+  async function seedSharedTrip() {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const trip = await pool.query(
+      `INSERT INTO trips (owner_id, name) VALUES ($1, 'Shared Trip') RETURNING id`,
+      [ownerId]
+    );
+    const tripId = trip.rows[0].id as number;
+    // One row Bob holds a split on — this is what makes him a participant.
+    const shared = await insertTransaction(pool, ownerId, { description: "Shared hotel", category: "travel" });
+    // One row Bob has no stake in whatsoever.
+    const solo = await insertTransaction(pool, ownerId, { description: "Alice solo museum", category: "travel" });
+    await pool.query(
+      `INSERT INTO transaction_overrides (transaction_id, trip_id) VALUES ($1, $2), ($3, $2)`,
+      [shared, tripId, solo]
+    );
+    await pool.query(
+      `INSERT INTO transaction_splits (transaction_id, participant_id, share_percent)
+       VALUES ($1, $2, 50)`,
+      [shared, otherId]
+    );
+    return { ownerId, otherId, tripId };
+  }
+
+  it("gives a participant every row on the trip", async () => {
+    const { otherId, tripId } = await seedSharedTrip();
+
+    const { data } = await getTransactions(otherId, {
+      trip_id: String(tripId), trip_all_rows: true, limit: 50, offset: 0,
+    });
+    expect(data.map((r) => r.description).sort()).toEqual(["Alice solo museum", "Shared hotel"]);
+  });
+
+  // The main transactions page filters by trip through this same endpoint. If
+  // the widening were implied by trip_id, filtering your own ledger by a trip
+  // would silently fill it with someone else's rows and skew its totals.
+  it("keeps owner scoping when the flag is absent", async () => {
+    const { otherId, tripId } = await seedSharedTrip();
+
+    const { data } = await getTransactions(otherId, {
+      trip_id: String(tripId), limit: 50, offset: 0,
+    });
+    expect(data.map((r) => r.description)).toEqual(["Shared hotel"]);
+  });
+
+  it("returns nothing to a non-participant who passes the flag", async () => {
+    const { ownerId } = await seedSharedTrip();
+    const stranger = await pool.query(
+      `INSERT INTO participants (name) VALUES ('Carol') RETURNING id`
+    );
+    const carolId = stranger.rows[0].id as number;
+    const trip = await pool.query(`SELECT id FROM trips LIMIT 1`);
+
+    const { data } = await getTransactions(carolId, {
+      trip_id: String(trip.rows[0].id), trip_all_rows: true, limit: 50, offset: 0,
+    });
+    expect(data).toHaveLength(0);
+    expect(ownerId).toBeGreaterThan(0);
+  });
+
+  it("does not widen anything when trip_id is 'unassigned'", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    await insertTransaction(pool, ownerId, { description: "Alice untripped" });
+    await insertTransaction(pool, otherId, { description: "Bob untripped" });
+
+    const { data } = await getTransactions(otherId, {
+      trip_id: "unassigned", trip_all_rows: true, limit: 50, offset: 0,
+    });
+    expect(data.map((r) => r.description)).toEqual(["Bob untripped"]);
+  });
+});
+
+describe("assignTransactionsToTrip — authorisation", () => {
+  it("refuses a trip the caller does not participate in", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const trip = await pool.query(
+      `INSERT INTO trips (owner_id, name) VALUES ($1, 'Private Trip') RETURNING id`,
+      [ownerId]
+    );
+    const tripId = trip.rows[0].id as number;
+    const bobsTx = await insertTransaction(pool, otherId, { description: "Bob lunch" });
+
+    await expect(assignTransactionsToTrip(tripId, [bobsTx], otherId)).rejects.toThrow(/participant/i);
+  });
+
+  // The hole this closed: the function took no caller at all, so any
+  // authenticated participant could move any transaction id into any trip.
+  it("silently skips transactions the caller cannot see", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const trip = await pool.query(
+      `INSERT INTO trips (owner_id, name) VALUES ($1, 'Alice Trip') RETURNING id`,
+      [ownerId]
+    );
+    const tripId = trip.rows[0].id as number;
+    const mine = await insertTransaction(pool, ownerId, { description: "Alice flight" });
+    const theirs = await insertTransaction(pool, otherId, { description: "Bob private" });
+
+    const moved = await assignTransactionsToTrip(tripId, [mine, theirs], ownerId);
+    expect(moved).toBe(1);
+
+    const rows = await pool.query(
+      `SELECT transaction_id FROM transaction_overrides WHERE trip_id = $1`, [tripId]
+    );
+    expect(rows.rows.map((r) => r.transaction_id)).toEqual([mine]);
+  });
+
+  it("lets a participant assign their own transaction to the trip", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const trip = await pool.query(
+      `INSERT INTO trips (owner_id, name) VALUES ($1, 'Joint Trip') RETURNING id`,
+      [ownerId]
+    );
+    const tripId = trip.rows[0].id as number;
+    // Make Bob a participant first.
+    const seedTx = await insertTransaction(pool, ownerId, { category: "travel" });
+    await pool.query(
+      `INSERT INTO transaction_overrides (transaction_id, trip_id) VALUES ($1, $2)`,
+      [seedTx, tripId]
+    );
+    await pool.query(
+      `INSERT INTO transaction_splits (transaction_id, participant_id, share_percent)
+       VALUES ($1, $2, 50)`,
+      [seedTx, otherId]
+    );
+
+    const bobsTx = await insertTransaction(pool, otherId, { description: "Bob taxi" });
+    expect(await assignTransactionsToTrip(tripId, [bobsTx], otherId)).toBe(1);
+  });
+});
+
+// Delete is the one thing that stayed owner-only. Both trip foreign keys are
+// ON DELETE SET NULL, so deleting a trip untags every transaction on it and
+// drops the trip scope from its payments — including a hand-derived allocation
+// that nothing recomputes.
+describe("deleteTrip — owner only", () => {
+  it("does not delete when a non-owner participant asks", async () => {
+    const { ownerId, otherId } = await seedParticipants(pool);
+    const trip = await pool.query(
+      `INSERT INTO trips (owner_id, name) VALUES ($1, 'Precious Trip') RETURNING id`,
+      [ownerId]
+    );
+    const tripId = trip.rows[0].id as number;
+    const txId = await insertTransaction(pool, ownerId, { category: "travel" });
+    await pool.query(
+      `INSERT INTO transaction_overrides (transaction_id, trip_id) VALUES ($1, $2)`,
+      [txId, tripId]
+    );
+    await pool.query(
+      `INSERT INTO transaction_splits (transaction_id, participant_id, share_percent)
+       VALUES ($1, $2, 50)`,
+      [txId, otherId]
+    );
+    // Bob can see it...
+    expect(await getTripById(tripId, otherId)).not.toBeNull();
+
+    await deleteTrip(tripId, otherId);
+
+    // ...and still cannot remove it, nor untag its transaction.
+    expect(await getTripById(tripId, ownerId)).not.toBeNull();
+    const still = await pool.query(
+      `SELECT trip_id FROM transaction_overrides WHERE transaction_id = $1`, [txId]
+    );
+    expect(still.rows[0].trip_id).toBe(tripId);
+  });
+
+  it("deletes when the owner asks", async () => {
+    const { ownerId } = await seedParticipants(pool);
+    const trip = await pool.query(
+      `INSERT INTO trips (owner_id, name) VALUES ($1, 'Doomed Trip') RETURNING id`,
+      [ownerId]
+    );
+    const tripId = trip.rows[0].id as number;
+
+    await deleteTrip(tripId, ownerId);
+    expect(await getTripById(tripId, ownerId)).toBeNull();
+  });
+});

src/app/api/split-payments/route.ts

@@ -2,6 +2,7 @@ import { NextRequest, NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/auth";
 import { queryRaw } from "@/lib/db";
 import { prisma } from "@/lib/db";
+import { isTripParticipant } from "@/lib/queries";
 
 export async function GET(req: NextRequest) {
   const user = await getCurrentUser(req);
@@ -21,15 +22,22 @@ export async function GET(req: NextRequest) {
     payment_date: string;
     notes: string | null;
     linked_transaction_id: number | null;
+    trip_id: number | null;
+    trip_name: string | null;
     created_at: string;
   }>(
+    // trip_id was stored but never returned, so history could not show which tab
+    // a payment settled — and a grouped transfer looks like a duplicate until you
+    // can see that its rows carry different scopes.
     `SELECT sp.id, sp.from_participant_id, pf.name as from_name,
             sp.to_participant_id, pt.name as to_name,
             sp.amount, sp.payment_date, sp.notes,
-            sp.linked_transaction_id, sp.created_at
+            sp.linked_transaction_id, sp.trip_id, tr.name as trip_name,
+            sp.created_at
      FROM split_payments sp
      JOIN participants pf ON pf.id = sp.from_participant_id
      JOIN participants pt ON pt.id = sp.to_participant_id
+     LEFT JOIN trips tr ON tr.id = sp.trip_id
      WHERE (sp.from_participant_id = $1 OR sp.to_participant_id = $1)
        AND (sp.from_participant_id = $2 OR sp.to_participant_id = $2)
      ORDER BY sp.payment_date DESC, sp.created_at DESC`,
@@ -50,9 +58,10 @@ export async function POST(req: NextRequest) {
     payment_date: string;
     notes?: string;
     linked_transaction_id?: number;
+    trip_id?: number | null;
   };
 
-  const { from_participant_id, to_participant_id, amount, payment_date, notes, linked_transaction_id } = body;
+  const { from_participant_id, to_participant_id, amount, payment_date, notes, linked_transaction_id, trip_id } = body;
 
   if (!from_participant_id || !to_participant_id || !amount || !payment_date) {
     return NextResponse.json({ error: "Missing required fields" }, { status: 400 });
@@ -60,6 +69,24 @@ export async function POST(req: NextRequest) {
   if (amount <= 0) {
     return NextResponse.json({ error: "Amount must be positive" }, { status: 400 });
   }
+  if (from_participant_id !== user.id && to_participant_id !== user.id) {
+    return NextResponse.json({ error: "A payment must involve you" }, { status: 403 });
+  }
+
+  // Scope. `trip_id` existed in the schema from migration 0022 but this route
+  // never read it, so every payment recorded in the app landed on the household
+  // tab and the 9 trip-scoped rows had to be written by hand in SQL.
+  //
+  // "Both" needs no extra shape: one transfer becomes one row per scope, all
+  // carrying the same linked_transaction_id — there is deliberately no unique
+  // constraint on it. That is how tx 4121's $4,794.06 sits as $1,145.52 against
+  // Europe — Sonu + Sunny and $3,648.54 against household.
+  if (trip_id != null && !(await isTripParticipant(trip_id, user.id))) {
+    return NextResponse.json(
+      { error: "Cannot scope a payment to a trip you are not on" },
+      { status: 403 }
+    );
+  }
 
   const payment = await prisma.split_payments.create({
     data: {
@@ -69,6 +96,7 @@ export async function POST(req: NextRequest) {
       payment_date: new Date(payment_date),
       notes: notes || null,
       linked_transaction_id: linked_transaction_id || null,
+      trip_id: trip_id ?? null,
     },
   });
 
@@ -83,6 +111,16 @@ export async function DELETE(req: NextRequest) {
   const id = Number(sp.get("id"));
   if (!id) return NextResponse.json({ error: "id required" }, { status: 400 });
 
+  // This deleted by id with no check at all: any authenticated participant could
+  // erase any settlement, which silently resurrects a discharged debt — the same
+  // class of damage as the split rewrite that reset `settled`. Deleting a payment
+  // must be limited to the two people it is between.
+  const existing = await prisma.split_payments.findUnique({ where: { id } });
+  if (!existing) return NextResponse.json({ error: "Not found" }, { status: 404 });
+  if (existing.from_participant_id !== user.id && existing.to_participant_id !== user.id) {
+    return NextResponse.json({ error: "Not your payment to delete" }, { status: 403 });
+  }
+
   await prisma.split_payments.delete({ where: { id } });
   return NextResponse.json({ ok: true });
 }

src/app/api/tags/[id]/convert-to-trip/route.ts

@@ -28,10 +28,14 @@ export async function POST(req: NextRequest, { params }: { params: Promise<{ id:
   });
 
   // Assign all transactions with this tag to the new trip
+  // The creator owns the new trip, so they participate in it by definition and
+  // the assignment's participation gate passes. `assigned` is what actually
+  // moved: rows the creator cannot see are skipped, so a tag spanning someone
+  // else's transactions converts to a trip holding only the creator's.
   const transactionIds = await getTagTransactionIds(tagId);
-  if (transactionIds.length > 0) {
-    await assignTransactionsToTrip(trip.id, transactionIds);
-  }
+  const assigned = transactionIds.length > 0
+    ? await assignTransactionsToTrip(trip.id, transactionIds, user.id)
+    : 0;
 
-  return NextResponse.json({ trip, assigned: transactionIds.length }, { status: 201 });
+  return NextResponse.json({ trip, assigned, tagged: transactionIds.length }, { status: 201 });
 }

src/app/api/transactions/bulk/route.ts

@@ -122,8 +122,17 @@ export async function POST(req: NextRequest) {
 
   if (action === "assign_trip") {
     const { trip_id } = body as { ids: number[]; trip_id: number | null };
-    await assignTransactionsToTrip(trip_id, ids);
-    return NextResponse.json({ updated: ids.length });
+    try {
+      // `updated` is what actually moved, not what was asked for — ids the
+      // caller cannot see are skipped rather than silently applied.
+      const updated = await assignTransactionsToTrip(trip_id, ids, user.id);
+      return NextResponse.json({ updated, requested: ids.length });
+    } catch (e) {
+      return NextResponse.json(
+        { error: e instanceof Error ? e.message : "Failed to assign" },
+        { status: 403 }
+      );
+    }
   }
 
   return NextResponse.json({ error: "Invalid action" }, { status: 400 });

src/app/api/transactions/route.ts

@@ -28,6 +28,7 @@ export async function GET(req: NextRequest) {
     amount_max: sp.get("amount_max") ? Number(sp.get("amount_max")) : undefined,
     has_split: sp.get("has_split") || undefined,
     trip_id: sp.get("trip_id") || undefined,
+    trip_all_rows: sp.get("trip_all_rows") === "1" || undefined,
   });
 
   return NextResponse.json(result);

src/app/api/trips/[id]/route.ts

@@ -21,10 +21,23 @@ export async function PATCH(req: NextRequest, { params }: { params: Promise<{ id
   return NextResponse.json(trip);
 }
 
+// Everything else about a trip is shared; delete is not. Both trip foreign keys
+// are ON DELETE SET NULL, so this untags every transaction on the trip and drops
+// the trip scope from its payments — including the hand-derived Europe-first
+// allocation, which nothing recomputes. A participant gets a 403 that says so
+// rather than a 404 that pretends the trip is not there.
 export async function DELETE(req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
   const user = await getCurrentUser(req);
   if (!user) return NextResponse.json({ error: "Forbidden" }, { status: 403 });
   const { id } = await params;
+  const trip = await getTripById(Number(id), user.id);
+  if (!trip) return NextResponse.json({ error: "Not found" }, { status: 404 });
+  if (trip.owner_id !== user.id) {
+    return NextResponse.json(
+      { error: "Only the trip owner can delete a trip. Deleting it would untag every transaction on it and unscope its payments." },
+      { status: 403 }
+    );
+  }
   await deleteTrip(Number(id), user.id);
   return new NextResponse(null, { status: 204 });
 }

src/app/api/trips/[id]/transactions/route.ts

@@ -10,6 +10,13 @@ export async function PATCH(req: NextRequest, { params }: { params: Promise<{ id
   if (!Array.isArray(transactionIds) || !transactionIds.length) {
     return NextResponse.json({ error: "transactionIds must be a non-empty array" }, { status: 400 });
   }
-  await assignTransactionsToTrip(Number(id), transactionIds);
-  return NextResponse.json({ ok: true });
+  try {
+    const assigned = await assignTransactionsToTrip(Number(id), transactionIds, user.id);
+    return NextResponse.json({ ok: true, assigned, requested: transactionIds.length });
+  } catch (e) {
+    return NextResponse.json(
+      { error: e instanceof Error ? e.message : "Failed to assign" },
+      { status: 403 }
+    );
+  }
 }

src/app/shared/page.tsx

@@ -11,6 +11,7 @@ import {
   useDeletePayment,
   useCurrentUser,
   useTags,
+  useTrips,
   type SplitPayment,
 } from "@/lib/hooks";
 import type { SharedTransactionRow } from "@/lib/queries";
@@ -147,6 +148,7 @@ function RecordPaymentModal({
   onClose: () => void;
 }) {
   const record = useRecordPayment();
+  const { data: trips = [] } = useTrips();
   const theyOweMe = currentBalance > 0;
 
   // Default direction matches the debt direction
@@ -155,6 +157,8 @@ function RecordPaymentModal({
   const [notes, setNotes] = useState("");
   // direction: "received" = they paid me, "sent" = I paid them
   const [direction, setDirection] = useState<"received" | "sent">(theyOweMe ? "received" : "sent");
+  // Which tab this settles. "" = the ongoing household tab (trip_id NULL).
+  const [tripId, setTripId] = useState("");
   const [error, setError] = useState("");
 
   async function handleSave() {
@@ -168,6 +172,7 @@ function RecordPaymentModal({
         amount: amt,
         payment_date: date,
         notes: notes || undefined,
+        trip_id: tripId ? Number(tripId) : null,
       });
       onClose();
     } catch (e) {
@@ -216,6 +221,24 @@ function RecordPaymentModal({
           </div>
         </div>
 
+        {/* Scope. Until now every payment recorded here landed on the household
+            tab, because the API dropped trip_id — so a $11k Europe settlement
+            silently reduced the ongoing household balance instead. */}
+        <div>
+          <label className="block text-xs text-zinc-500 mb-1">Settles</label>
+          <select value={tripId} onChange={(e) => setTripId(e.target.value)}
+            className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm">
+            <option value="">Household (ongoing)</option>
+            {trips.filter((t) => !t.archived).map((t) => (
+              <option key={t.id} value={t.id}>{t.name}</option>
+            ))}
+          </select>
+          <p className="text-[11px] text-zinc-600 mt-1">
+            Covering more than one tab? Record it once per tab — the parts add back
+            up to the transfer.
+          </p>
+        </div>
+
         <div>
           <label className="block text-xs text-zinc-500 mb-1">Notes (optional)</label>
           <input value={notes} onChange={(e) => setNotes(e.target.value)}
@@ -259,6 +282,12 @@ function PaymentHistory({ participantId, currentUserId }: { participantId: numbe
               {theyPaidMe ? "+" : "-"}${Number(p.amount).toFixed(2)}
             </span>
             <span className="text-zinc-500">{formatDate(p.payment_date)}</span>
+            {/* Scope, so a grouped transfer stops looking like a duplicate: two
+                rows of the same amount and date differ only by which tab they
+                settle, and that was invisible until the API returned trip_id. */}
+            <span className="text-[11px] px-1.5 py-0.5 rounded bg-zinc-800 text-zinc-400 flex-shrink-0">
+              {p.trip_name ?? "Household"}
+            </span>
             {p.notes && <span className="text-zinc-600 truncate flex-1">{p.notes}</span>}
             <button
               onClick={() => deletePayment.mutate(p.id)}

src/app/trips/[id]/page.tsx

@@ -21,6 +21,10 @@ function fmtDate(d: string | null) {
   return new Date(d).toLocaleDateString("en-AU", { day: "2-digit", month: "short", year: "numeric" });
 }
 
+function fmt(n: number) {
+  return `$${n.toLocaleString("en-AU", { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
+}
+
 function StatCard({
   label,
   value,
@@ -73,7 +77,10 @@ export default function TripDetailPage({ params }: { params: Promise<{ id: strin
   const [tab, setTab] = useState<"overview" | "transactions">("overview");
   const [editModal, setEditModal] = useState(false);
 
-  const { data: txData } = useTransactions({ trip_id: id, limit: 500 });
+  // A trip is all the expenses on one trip, so a participant sees every row on
+  // it, not only their own. The server re-checks participation — this flag is a
+  // request, not a grant.
+  const { data: txData } = useTransactions({ trip_id: id, limit: 500, trip_all_rows: true });
 
   if (isLoading || !analytics) {
     return (
@@ -280,7 +287,7 @@ export default function TripDetailPage({ params }: { params: Promise<{ id: strin
               <table className="w-full text-sm">
                 <thead>
                   <tr className="border-b border-zinc-800">
-                    {["Person", "Outstanding on this trip"].map((h) => (
+                    {["Person", "They owe you", "You owe them"].map((h) => (
                       <th
                         key={h}
                         className={`px-5 py-2.5 text-xs text-zinc-500 font-medium ${h === "Person" ? "text-left" : "text-right"}`}
@@ -291,30 +298,68 @@ export default function TripDetailPage({ params }: { params: Promise<{ id: strin
                   </tr>
                 </thead>
                 <tbody>
-                  {/* A negative outstanding means they have paid more towards this
-                      trip than their share of it — which reads as a typo unless the
-                      sign is spelled out. Shown as a magnitude plus a word, the same
-                      way Shared does it, so the two pages agree on what a direction
-                      means. */}
+                  {/* Two columns, never one net figure.
+
+                      The two directions are separate positions, not halves of a
+                      sum: the grouped-payment allocation cleared each trip against
+                      the one-directional debt in the left column, Europe first with
+                      the remainder to household. Netting them here would redefine
+                      that debt after the fact and turn a settled trip into an
+                      overpayment, with household understated by the same amount.
+
+                      It is also what makes this page true for a non-owner. The
+                      right-hand column is the figure Sonu could never see: her own
+                      obligation lives on rows someone else paid for, so a
+                      viewer-as-payer figure can never contain it.
+
+                      A negative outstanding still means they have paid more towards
+                      this trip than their share, which reads as a typo unless the
+                      sign is spelled out — so it stays a magnitude plus a word, the
+                      same way Shared does it. */}
                   {participant_splits.map((p) => {
                     const owed = Number(p.owed);
-                    const square = Math.abs(owed) < 0.005;
-                    const theyOweMe = owed > 0;
+                    const iOwe = Number(p.i_owe);
+                    const cell = (
+                      net: number,
+                      gross: number,
+                      paid: number,
+                      unconverted: number,
+                      colour: string,
+                    ) => {
+                      if (gross < 0.005 && Math.abs(net) < 0.005) {
+                        return <span className="text-zinc-600">—</span>;
+                      }
+                      const square = Math.abs(net) < 0.005;
+                      return (
+                        <>
+                          <span className={square ? "text-zinc-500" : net > 0 ? colour : "text-emerald-400"}>
+                            ${Math.abs(net).toFixed(2)}
+                          </span>
+                          <span className="block text-[11px] text-zinc-500 mt-0.5 font-sans">
+                            {square
+                              ? "settled"
+                              : net < 0
+                                ? "overpaid"
+                                : paid > 0.005
+                                  ? `${fmt(gross)} less ${fmt(paid)} paid`
+                                  : "outstanding"}
+                          </span>
+                          {unconverted > 0 && (
+                            <span className="block text-[11px] text-amber-500/80 mt-0.5 font-sans">
+                              approx · {unconverted} unconverted
+                            </span>
+                          )}
+                        </>
+                      );
+                    };
                     return (
                       <tr key={p.participant_id} className="border-b border-zinc-800/50 last:border-0">
                         <td className="px-5 py-3 font-medium">{p.name}</td>
                         <td className="px-5 py-3 text-right tabular-nums font-mono">
-                          <span className={square ? "text-zinc-500" : theyOweMe ? "text-amber-400" : "text-blue-400"}>
-                            ${Math.abs(owed).toFixed(2)}
-                          </span>
-                          <span className="block text-[11px] text-zinc-500 mt-0.5 font-sans">
-                            {square ? "all square" : theyOweMe ? "owes you" : "ahead — you owe them"}
-                          </span>
-                          {p.unconverted_count > 0 && (
-                            <span className="block text-[11px] text-amber-500/80 mt-0.5 font-sans">
-                              approx · {p.unconverted_count} unconverted
-                            </span>
-                          )}
+                          {cell(owed, Number(p.owed_gross), Number(p.paid_to_me), p.unconverted_count, "text-amber-400")}
+                        </td>
+                        <td className="px-5 py-3 text-right tabular-nums font-mono">
+                          {cell(iOwe, Number(p.i_owe_gross), Number(p.paid_by_me), p.i_owe_unconverted_count, "text-blue-400")}
                         </td>
                       </tr>
                     );

src/lib/hooks.ts

@@ -30,6 +30,8 @@ interface TransactionFilters {
   amount_max?: number;
   has_split?: string;
   trip_id?: string;
+  /** Only the trip detail view sets this — see the note on the server-side filter. */
+  trip_all_rows?: boolean;
 }
 
 function buildParams(filters: TransactionFilters): string {
@@ -38,6 +40,9 @@ function buildParams(filters: TransactionFilters): string {
     if (val === undefined || val === "") return;
     if (Array.isArray(val)) {
       if (val.length > 0) params.set(key, val.join(","));
+    } else if (typeof val === "boolean") {
+      // The route reads "1", not "true" — String(true) would silently not match.
+      if (val) params.set(key, "1");
     } else {
       params.set(key, String(val));
     }
@@ -446,6 +451,9 @@ export interface SplitPayment {
   payment_date: string;
   notes: string | null;
   linked_transaction_id: number | null;
+  /** Which tab this payment settles. null = the ongoing household tab. */
+  trip_id: number | null;
+  trip_name: string | null;
   created_at: string;
 }
 
@@ -471,17 +479,25 @@ export function useRecordPayment() {
       payment_date: string;
       notes?: string;
       linked_transaction_id?: number;
+      /** Which tab this settles. null/omitted = the ongoing household tab. */
+      trip_id?: number | null;
     }) => {
       const res = await fetch("/api/split-payments", {
         method: "POST",
         headers: { "Content-Type": "application/json" },
         body: JSON.stringify(body),
       });
+      if (!res.ok) {
+        const err = await res.json().catch(() => ({}));
+        throw new Error(err.error || "Failed to record payment");
+      }
       return res.json();
     },
     onSuccess: () => {
       qc.invalidateQueries({ queryKey: ["participant-balances"] });
       qc.invalidateQueries({ queryKey: ["split-payments"] });
+      // A trip-scoped payment changes that trip's owed figures too.
+      qc.invalidateQueries({ queryKey: ["trip-analytics"] });
     },
   });
 }

src/lib/queries.ts

@@ -137,13 +137,33 @@ interface TransactionFilters {
   amount_max?: number;
   has_split?: string;
   trip_id?: string;
+  /**
+   * With a `trip_id` set, show every row on the trip rather than only the
+   * viewer's own. A trip is all the expenses on one trip, so a participant sees
+   * the whole thing — the trip total already counts every payer.
+   *
+   * Opt-in, and deliberately NOT implied by `trip_id` being present, because
+   * `GET /api/transactions` is also the main transactions list and its trip
+   * filter must keep owner scoping — otherwise filtering your own ledger by
+   * "Europe 2026" would quietly fill it with someone else's rows and skew every
+   * total on the page. Only the trip detail view sets this.
+   */
+  trip_all_rows?: boolean;
 }
 
 export async function getTransactions(ownerId: number, filters: TransactionFilters) {
-  const conditions: string[] = [
-    `(COALESCE(t.owner_id, s.owner_id) = $1 OR EXISTS (SELECT 1 FROM transaction_splits ts_me WHERE ts_me.transaction_id = t.id AND ts_me.participant_id = $1))`,
-    EXCLUDE_RECONCILED_SOURCE,
-  ];
+  // A real trip id, not "unassigned" — there is no trip to participate in for
+  // rows that belong to none, so the owner scoping has to stand there.
+  const tripAllRows = Boolean(
+    filters.trip_all_rows && filters.trip_id && filters.trip_id !== "unassigned"
+  );
+
+  const conditions: string[] = [EXCLUDE_RECONCILED_SOURCE];
+  if (!tripAllRows) {
+    conditions.push(
+      `(COALESCE(t.owner_id, s.owner_id) = $1 OR EXISTS (SELECT 1 FROM transaction_splits ts_me WHERE ts_me.transaction_id = t.id AND ts_me.participant_id = $1))`
+    );
+  }
   const params: unknown[] = [ownerId];
   let paramIdx = 2;
 
@@ -231,8 +251,15 @@ export async function getTransactions(ownerId: number, filters: TransactionFilte
   if (filters.trip_id === "unassigned") {
     conditions.push(`o.trip_id IS NULL`);
   } else if (filters.trip_id) {
-    conditions.push(`o.trip_id = $${paramIdx++}`);
+    const tripParam = paramIdx++;
+    conditions.push(`o.trip_id = $${tripParam}`);
     params.push(Number(filters.trip_id));
+    if (tripAllRows) {
+      // The gate for having dropped the owner filter above. Enforced in SQL
+      // rather than trusted from the route, so passing trip_all_rows with a
+      // trip you are not on returns nothing instead of everything.
+      conditions.push(TRIP_PARTICIPANT(`$${tripParam}`, `$1`));
+    }
   }
 
   const where = `WHERE ${conditions.join(" AND ")}`;
@@ -904,11 +931,69 @@ export interface TripAnalytics {
   participant_splits: {
     participant_id: number;
     name: string;
-    /** Their share of this trip, net of payments scoped to it. */
+    /** Their share of rows the VIEWER paid, net of payments scoped to this trip. */
     owed: number;
+    /** That same figure before payments, so the UI can say "settled" rather than just "0.00". */
+    owed_gross: number;
+    /** Payments from them to the viewer, scoped to this trip. */
+    paid_to_me: number;
+    /** The VIEWER's share of rows THIS PARTICIPANT paid, net of the viewer's payments to them. */
+    i_owe: number;
+    /** Ditto, before payments. */
+    i_owe_gross: number;
+    /** Payments from the viewer to them, scoped to this trip. */
+    paid_by_me: number;
     /** Splits counted at a non-AUD figure because no converted amount exists. */
     unconverted_count: number;
+    i_owe_unconverted_count: number;
   }[];
+  /** True when the viewer is a participant but not the trip's owner. */
+  viewer_is_owner: boolean;
+}
+
+/**
+ * Who counts as a participant on a trip. Derived, never stored.
+ *
+ * A trip is *all the expenses on one trip*, so being a participant is a fact
+ * about those expenses: you hold a split on one, you paid for one, or a payment
+ * of yours is scoped to the trip. Storing it as a membership list would be a
+ * second record of the same fact, and two records of one fact drift — the same
+ * reason `CLAUDE.md` insists sharing is a real split rather than a flag, and the
+ * reason the 2026-07-27 settlement design concluded an extra party on a trip
+ * "needs no schema at all".
+ *
+ * It also gets the exclusions right for free. Singapore + Bangkok 2026 has no
+ * Sonu split and no Sonu payment, so she is not a participant and never sees it,
+ * with no backfill to keep in sync as transactions are assigned and unassigned.
+ *
+ * Aliased `p*` throughout so it can be inlined anywhere without colliding with
+ * the `t`/`s`/`o` aliases the shared fragments assume.
+ */
+const TRIP_PARTICIPANT = (tripIdExpr: string, participantExpr: string) => `(
+    EXISTS (
+      SELECT 1 FROM transaction_overrides po
+      JOIN transactions pt ON pt.id = po.transaction_id
+      LEFT JOIN statements ps ON ps.id = pt.statement_id
+      LEFT JOIN transaction_splits pts ON pts.transaction_id = pt.id
+      WHERE po.trip_id = ${tripIdExpr}
+        AND (COALESCE(pt.owner_id, ps.owner_id) = ${participantExpr}
+             OR pts.participant_id = ${participantExpr})
+    )
+    OR EXISTS (
+      SELECT 1 FROM split_payments psp
+      WHERE psp.trip_id = ${tripIdExpr}
+        AND (psp.from_participant_id = ${participantExpr}
+             OR psp.to_participant_id = ${participantExpr})
+    )
+  )`;
+
+/** Exported for the routes that gate a write on participation. */
+export async function isTripParticipant(tripId: number, participantId: number): Promise<boolean> {
+  const rows = await queryRaw<{ ok: boolean }>(`
+    SELECT (tr.owner_id = $2 OR ${TRIP_PARTICIPANT('tr.id', '$2')}) AS ok
+    FROM trips tr WHERE tr.id = $1
+  `, [tripId, participantId]);
+  return rows[0]?.ok === true;
 }
 
 // `total_spend` is the headline figure on the trips list and the trip header,
@@ -922,7 +1007,11 @@ const TRIP_TOTAL_SPEND = `COALESCE(SUM(
         THEN ${SPEND_SIGNED} ELSE 0 END
       ), 0)::float AS total_spend`;
 
-export async function getTrips(ownerId: number): Promise<TripRow[]> {
+// A trip is visible to its owner and to anyone who participates in it. Scoping
+// visibility to `owner_id` alone meant Sonu could not see a single trip despite
+// paying for 104 of the tagged rows herself — her own spending was invisible on
+// the only page organised around it.
+export async function getTrips(viewerId: number): Promise<TripRow[]> {
   return queryRaw<TripRow>(`
     SELECT
       tr.*,
@@ -931,13 +1020,13 @@ export async function getTrips(ownerId: number): Promise<TripRow[]> {
     FROM trips tr
     LEFT JOIN transaction_overrides o ON o.trip_id = tr.id
     LEFT JOIN transactions t ON t.id = o.transaction_id
-    WHERE tr.owner_id = $1
+    WHERE tr.owner_id = $1 OR ${TRIP_PARTICIPANT('tr.id', '$1')}
     GROUP BY tr.id
     ORDER BY tr.created_at DESC
-  `, [ownerId]);
+  `, [viewerId]);
 }
 
-export async function getTripById(id: number, ownerId: number): Promise<TripRow | null> {
+export async function getTripById(id: number, viewerId: number): Promise<TripRow | null> {
   const rows = await queryRaw<TripRow>(`
     SELECT
       tr.*,
@@ -946,14 +1035,14 @@ export async function getTripById(id: number, ownerId: number): Promise<TripRow
     FROM trips tr
     LEFT JOIN transaction_overrides o ON o.trip_id = tr.id
     LEFT JOIN transactions t ON t.id = o.transaction_id
-    WHERE tr.id = $1 AND tr.owner_id = $2
+    WHERE tr.id = $1 AND (tr.owner_id = $2 OR ${TRIP_PARTICIPANT('tr.id', '$2')})
     GROUP BY tr.id
-  `, [id, ownerId]);
+  `, [id, viewerId]);
   return rows[0] ?? null;
 }
 
-export async function getTripAnalytics(tripId: number, ownerId: number): Promise<TripAnalytics> {
-  const trip = await getTripById(tripId, ownerId);
+export async function getTripAnalytics(tripId: number, viewerId: number): Promise<TripAnalytics> {
+  const trip = await getTripById(tripId, viewerId);
   if (!trip) throw new Error("Trip not found");
 
   // What the trip cost, with refunds subtracted.
@@ -1059,7 +1148,7 @@ export async function getTripAnalytics(tripId: number, ownerId: number): Promise
     //    so netting a EUR figure against AUD ones silently is most likely to
     //    bite exactly here.
     //
-    // A fourth, and it is what "owed" actually means: only rows THIS owner paid
+    // A fourth, and it is what "owed" actually means: only rows THIS viewer paid
     // for. Without ${OWNER_SCOPE} the figure sums every split on every trip
     // transaction regardless of who paid, so it silently mixes debts owed to
     // different people. On Europe 2026 that put $1,605.49 of Molina's share of
@@ -1072,43 +1161,87 @@ export async function getTripAnalytics(tripId: number, ownerId: number): Promise
     // `transactions` is aliased `t` so the shared fragments apply directly —
     // they assume that alias, and hand-inlining a copy is what let the
     // reconciled-row exclusion drift out of the analytics routes to begin with.
-    queryRaw<{ participant_id: number; name: string; owed: number; unconverted_count: number }>(`
-      WITH owed AS (
-        SELECT ts.participant_id AS pid,
-          SUM(ts.share_percent / 100.0 * COALESCE(t.amount_aud, t.amount)) AS gross,
-          SUM(CASE WHEN ${AMOUNT_UNCONVERTED} THEN 1 ELSE 0 END) AS unconverted
+    //
+    // ── Both directions, and deliberately NOT netted ──
+    //
+    // `owed` is unchanged: their share of rows the viewer paid. `i_owe` is the
+    // mirror: the viewer's share of rows THAT participant paid. Rendering the
+    // pair from the viewer's side is the whole fix — a non-owner used to get a
+    // page where their own obligation could not appear, so Sonu's Europe 2026
+    // read "you are owed $2,408.24" while omitting the $8,004.04 she owed.
+    //
+    // Collapsing the two into one signed net was the obvious next step and is
+    // WRONG. The grouped-payment allocation (memory case `allocate_grouped_payments`)
+    // cleared Sonu's transfers against the trip debts chronologically, Europe
+    // first, remainder to household — and the debt it cleared was this
+    // one-directional gross. Netting redefines Europe's debt as $7,201.30 after
+    // the fact, which turns the $8,004.04 already allocated into an $802.75
+    // over-allocation and leaves household understated by the same amount. The
+    // total stays right and the split between scopes silently stops being. So
+    // both halves are returned whole, with their gross and payments, and the UI
+    // states them separately.
+    queryRaw<{
+      participant_id: number; name: string;
+      owed: number; owed_gross: number; paid_to_me: number;
+      i_owe: number; i_owe_gross: number; paid_by_me: number;
+      unconverted_count: number; i_owe_unconverted_count: number;
+    }>(`
+      WITH scoped AS (
+        SELECT ts.participant_id AS split_pid,
+          ${OWNER_SCOPE} AS payer_pid,
+          ts.share_percent / 100.0 * COALESCE(t.amount_aud, t.amount) AS amt,
+          CASE WHEN ${AMOUNT_UNCONVERTED} THEN 1 ELSE 0 END AS unconverted
         FROM transaction_overrides o
         JOIN transactions t ON t.id = o.transaction_id
         ${STATEMENTS_JOIN}
         JOIN transaction_splits ts ON ts.transaction_id = t.id
         WHERE o.trip_id = $1
-          AND ${OWNER_SCOPE} = $2
-          AND ts.participant_id <> $2
           AND t.transaction_type IN ('debit','fee','interest')
           AND COALESCE(o.category_override, t.category, 'other') NOT IN ('transfers', 'investment')
           AND ${ACTIVE_OBLIGATION}
           AND ${EXCLUDE_RECONCILED_SOURCE}
-        GROUP BY ts.participant_id
       ),
-      -- Only payments made TO this owner. Payment 5 on Europe is Molina -> Sonu:
-      -- a real settlement, but of a debt between those two, so it must not
-      -- reduce what Molina owes here. Symmetrical with the owner scoping above.
-      paid AS (
+      owed AS (
+        SELECT split_pid AS pid, SUM(amt) AS gross, SUM(unconverted) AS unconverted
+        FROM scoped WHERE payer_pid = $2 AND split_pid <> $2 GROUP BY 1
+      ),
+      mine AS (
+        SELECT payer_pid AS pid, SUM(amt) AS gross, SUM(unconverted) AS unconverted
+        FROM scoped WHERE split_pid = $2 AND payer_pid <> $2 GROUP BY 1
+      ),
+      -- Only payments made TO the viewer. Payment 5 is Molina -> Sonu: a real
+      -- settlement, but of a debt between those two, so it must not reduce what
+      -- Molina owes the viewer. Symmetrical with the payer scoping above.
+      paid_to_me AS (
         SELECT sp.from_participant_id AS pid, SUM(sp.amount) AS amt
         FROM split_payments sp
-        WHERE sp.trip_id = $1
-          AND sp.to_participant_id = $2
-        GROUP BY sp.from_participant_id
+        WHERE sp.trip_id = $1 AND sp.to_participant_id = $2
+        GROUP BY 1
+      ),
+      paid_by_me AS (
+        SELECT sp.to_participant_id AS pid, SUM(sp.amount) AS amt
+        FROM split_payments sp
+        WHERE sp.trip_id = $1 AND sp.from_participant_id = $2
+        GROUP BY 1
       )
       SELECT p.id AS participant_id, p.name,
-        (COALESCE(owed.gross, 0) - COALESCE(paid.amt, 0))::float AS owed,
-        COALESCE(owed.unconverted, 0)::int AS unconverted_count
+        (COALESCE(owed.gross, 0) - COALESCE(paid_to_me.amt, 0))::float AS owed,
+        COALESCE(owed.gross, 0)::float AS owed_gross,
+        COALESCE(paid_to_me.amt, 0)::float AS paid_to_me,
+        (COALESCE(mine.gross, 0) - COALESCE(paid_by_me.amt, 0))::float AS i_owe,
+        COALESCE(mine.gross, 0)::float AS i_owe_gross,
+        COALESCE(paid_by_me.amt, 0)::float AS paid_by_me,
+        COALESCE(owed.unconverted, 0)::int AS unconverted_count,
+        COALESCE(mine.unconverted, 0)::int AS i_owe_unconverted_count
       FROM participants p
-      LEFT JOIN owed ON owed.pid = p.id
-      LEFT JOIN paid ON paid.pid = p.id
-      WHERE owed.pid IS NOT NULL OR paid.pid IS NOT NULL
+      LEFT JOIN owed       ON owed.pid = p.id
+      LEFT JOIN mine       ON mine.pid = p.id
+      LEFT JOIN paid_to_me ON paid_to_me.pid = p.id
+      LEFT JOIN paid_by_me ON paid_by_me.pid = p.id
+      WHERE owed.pid IS NOT NULL OR mine.pid IS NOT NULL
+         OR paid_to_me.pid IS NOT NULL OR paid_by_me.pid IS NOT NULL
       ORDER BY 3 DESC
-    `, [tripId, ownerId]),
+    `, [tripId, viewerId]),
   ]);
 
   const num_days = (trip.start_date && trip.end_date)
@@ -1126,6 +1259,7 @@ export async function getTripAnalytics(tripId: number, ownerId: number): Promise
     top_merchants: merchantRows,
     tag_breakdown: tagRows,
     participant_splits: splitRows,
+    viewer_is_owner: trip.owner_id === viewerId,
   };
 }
 
@@ -1141,9 +1275,11 @@ export async function createTrip(
   return rows[0];
 }
 
+// Editable by any participant: a trip is a shared record of a shared journey,
+// and dates or a colour are not the owner's private property.
 export async function updateTrip(
   id: number,
-  ownerId: number,
+  viewerId: number,
   data: Partial<{ name: string; description: string | null; start_date: string | null; end_date: string | null; color: string; archived: boolean }>
 ): Promise<TripRow | null> {
   const setClauses: string[] = [];
@@ -1155,31 +1291,74 @@ export async function updateTrip(
   if ('end_date' in data) { setClauses.push(`end_date = $${idx++}`); params.push(data.end_date ?? null); }
   if (data.color !== undefined) { setClauses.push(`color = $${idx++}`); params.push(data.color); }
   if (data.archived !== undefined) { setClauses.push(`archived = $${idx++}`); params.push(data.archived); }
-  if (!setClauses.length) return getTripById(id, ownerId);
-  params.push(id, ownerId);
+  if (!setClauses.length) return getTripById(id, viewerId);
+  const idParam = idx++;
+  const viewerParam = idx;
+  params.push(id, viewerId);
   const rows = await queryRaw<TripRow>(`
     UPDATE trips SET ${setClauses.join(', ')}
-    WHERE id = $${idx++} AND owner_id = $${idx}
+    WHERE id = $${idParam}
+      AND (owner_id = $${viewerParam} OR ${TRIP_PARTICIPANT(`$${idParam}`, `$${viewerParam}`)})
     RETURNING *, 0::float AS total_spend, 0::int AS transaction_count
   `, params);
   return rows[0] ?? null;
 }
 
+/**
+ * Delete stays OWNER-ONLY, deliberately, even though everything else about a
+ * trip is now shared.
+ *
+ * Both trip foreign keys are ON DELETE SET NULL, so deleting Europe 2026 untags
+ * 210 transactions *and* NULLs the trip scope on 6 payments. That scope is where
+ * the Europe-first allocation of Sonu's grouped transfers lives, and it was
+ * derived by hand — nothing in the app recomputes it. Handing that to any
+ * participant makes an unrecoverable loss one click away.
+ */
 export async function deleteTrip(id: number, ownerId: number): Promise<void> {
   await queryRaw(`DELETE FROM trips WHERE id = $1 AND owner_id = $2`, [id, ownerId]);
 }
 
+/**
+ * Assign transactions to a trip, or to none when `tripId` is null.
+ *
+ * Both the scoping clauses here are new and both closed a live hole: this took
+ * no viewer at all and checked nothing, so `PATCH /api/trips/[id]/transactions`
+ * let any authenticated participant move any transaction id into any trip id.
+ * Not being able to *see* a trip was no obstacle, because the write path never
+ * read one.
+ *
+ *  - Only rows the viewer can already see may be moved (`owner OR split`, the
+ *    same test getTransactions applies).
+ *  - A non-null destination must be a trip the viewer participates in. Checked
+ *    here rather than only in the route so the guarantee cannot be bypassed by
+ *    the other caller (`POST /api/transactions/bulk`, `assign_trip`).
+ *
+ * Returns the number of rows actually moved, which is how a caller detects that
+ * some ids were silently out of reach.
+ */
 export async function assignTransactionsToTrip(
   tripId: number | null,
-  transactionIds: number[]
-): Promise<void> {
-  if (!transactionIds.length) return;
-  await queryRaw(`
+  transactionIds: number[],
+  viewerId: number
+): Promise<number> {
+  if (!transactionIds.length) return 0;
+  if (tripId !== null && !(await isTripParticipant(tripId, viewerId))) {
+    throw new Error("Not a participant on that trip");
+  }
+  const rows = await queryRaw<{ transaction_id: number }>(`
     INSERT INTO transaction_overrides (transaction_id, trip_id)
-    SELECT unnest($1::int[]), $2
+    SELECT t.id, $2
+    FROM transactions t
+    LEFT JOIN statements s ON s.id = t.statement_id
+    WHERE t.id = ANY($1::int[])
+      AND (COALESCE(t.owner_id, s.owner_id) = $3
+           OR EXISTS (SELECT 1 FROM transaction_splits ts
+                      WHERE ts.transaction_id = t.id AND ts.participant_id = $3))
     ON CONFLICT (transaction_id)
     DO UPDATE SET trip_id = EXCLUDED.trip_id
-  `, [transactionIds, tripId]);
+    RETURNING transaction_id
+  `, [transactionIds, tripId, viewerId]);
+  return rows.length;
 }
 
 export async function getTagTransactionIds(tagId: number): Promise<number[]> {