diff --git a/registry/routing/catalog.yaml b/registry/routing/catalog.yaml
index 03c33ce..1ebb0c9 100644
--- a/registry/routing/catalog.yaml
+++ b/registry/routing/catalog.yaml
@@ -421,6 +421,36 @@ entries:
         - "Re-run email-connect read-only scan with warden access --exec / env inject; confirm metadata-only evidence under binky-control/mailmeta/."
         - "Verify capabilities-safe on tenants/data/binky/company-email/imap; if EXPOSED taint was set, clear custom_metadata after rotation."
 
+  - id: binky-qonto-api
+    title: Binky Qonto bank API credentials (read-only MCP)
+    need_keywords: [binky, qonto, bank, api, finance, cost-run-rate, mcp, organization]
+    owner_repo: railiance-platform
+    subsystem: OpenBao + qonto-mcp-server
+    warden_executes: false
+    wiki_ref: wiki/playbooks/binky-qonto-api.md#worker-checklist
+    canon_ref: binky-control/integrations/qonto-mcp.md
+    reviewed: "2026-07-21"
+    status: active
+    risk: high
+    # CCR-2026-0008: policy + OIDC role applied; secret at tenants/binky/qonto-api
+    # (fields API_KEY, API_USER). Map to QONTO_API_KEY / QONTO_ORGANIZATION_ID for
+    # qonto-mcp-server. First read-only pull 2026-07-21 (BINKY-WP-0005-T05).
+    # Read-only is harness tool allow-list — Qonto keys are not scope-limited server-side.
+    auth_method: "caller's own OpenBao token (OIDC netkingdom role binky-qonto-api-workload-kv-read)"
+    path_template: "tenants/binky/qonto-api"
+    fetch_command: "bao kv get -field=API_KEY tenants/binky/qonto-api"
+    exec_capable: true
+    lane: secret
+    rotation:
+      method: rotate
+      owner: binky-control
+      automatable: false
+      steps:
+        - "In the Qonto dashboard, revoke the old API key and mint a new one under /settings/integrations (do not paste it into chat or Git)."
+        - "`bao kv put tenants/binky/qonto-api API_KEY=@file` (and API_USER=@file if the login/org slug changed); shred the mode-0600 input file(s)."
+        - "Re-run read-only pull with warden access --exec (map API_KEY→QONTO_API_KEY, API_USER→QONTO_ORGANIZATION_ID); update binky-control finance/CostRunRate.md metadata only."
+        - "Verify capabilities-safe on tenants/data/binky/qonto-api; if EXPOSED taint was set, clear custom_metadata after rotation."
+
   - id: agent-harness-forgejo-deploy
     title: agent-harness Forgejo deploy key (write sandbox; binky-control at cutover)
     need_keywords: [agent-harness, forgejo, deploy, key, ssh, executor-sandbox, railiance, binky-control, deploy-key]
diff --git a/wiki/CredentialRouting.md b/wiki/CredentialRouting.md
index dfdbda7..9dc5831 100644
--- a/wiki/CredentialRouting.md
+++ b/wiki/CredentialRouting.md
@@ -100,6 +100,7 @@ run the owner's tool as the caller and preserve owner custody.
 | `railiance-backup-offsite-lane` | "railiance-platform OpenBao KV for Nextcloud WebDAV + age recovery" | `warden access railiance-backup-offsite-lane --out FILE` (`risk: high`; agents: no raw stream) |
 | `forgejo-admin-api-token` | "railiance-platform OpenBao KV for Forgejo admin PAT" | `warden access forgejo-admin-api-token --out FILE` (`risk: high`) |
 | `binky-company-email-imap` | "tenant IMAP on `tenants/binky/company-email/imap` (IONOS)" | `warden access binky-company-email-imap --out FILE` (`risk: high`) |
+| `binky-qonto-api` | "tenant Qonto API on `tenants/binky/qonto-api` (API_KEY+API_USER)" | `warden access binky-qonto-api --out FILE` (`risk: high`) |
 
 Promotion criteria: `wiki/playbooks/catalog-lane-promotion.md`.  
 High-risk / agent boundary: `wiki/playbooks/agent-read-boundary.md`.  
diff --git a/wiki/playbooks/binky-qonto-api.md b/wiki/playbooks/binky-qonto-api.md
new file mode 100644
index 0000000..37176cc
--- /dev/null
+++ b/wiki/playbooks/binky-qonto-api.md
@@ -0,0 +1,124 @@
+# Binky Qonto bank API
+
+Date: 2026-07-21  
+Catalog: `binky-qonto-api` (status `active`, `resolvable: true`, `risk: high`)  
+Owner: `railiance-platform` (CCR-2026-0008) · consumer need: `binky-control`  
+Workplan: BINKY-WP-0005 · Decision: DEC-2026-004 (approved)
+
+API credentials for the company Qonto account so read-only balance and
+transaction pulls can feed control-plane finance (`finance/CostRunRate.md`,
+Finance Steward rhythm). Prefer self-hosted `qonto/qonto-mcp-server` or the
+Qonto thirdparty REST API with the same credentials.
+
+**Payments and transfers are Red lane forever** — never allow-list write/payment
+tools in the harness. Qonto API keys are not scope-limited server-side; read-only
+is enforced at the harness tool allow-list.
+
+---
+
+## Provider (Qonto — non-secret)
+
+| Setting | Value |
+| --- | --- |
+| Dashboard | Qonto web app → `/settings/integrations` |
+| Auth shape | login (`API_USER`) + secret (`API_KEY`) → `Authorization: login:key` |
+| MCP env map | `API_KEY`→`QONTO_API_KEY`, `API_USER`→`QONTO_ORGANIZATION_ID` |
+| MCP server | `qonto/qonto-mcp-server` (self-hosted; not the hosted OAuth connector) |
+| API host | `https://thirdparty.qonto.com` |
+
+Design: `binky-control/integrations/qonto-mcp.md`
+
+## OpenBao pointers
+
+| Field | Value |
+| --- | --- |
+| Mount | `tenants` |
+| Path | `tenants/binky/qonto-api` |
+| Fields | `API_KEY`, `API_USER` |
+| Policy | `workload-kv-read-binky-qonto-api` |
+| OIDC role | `binky-qonto-api-workload-kv-read` (`groups=net-kingdom-admins`) |
+| Risk | `high` |
+
+---
+
+## Worker checklist
+
+1. Login as caller:
+
+   ```bash
+   bao login -method=oidc -path=netkingdom role=binky-qonto-api-workload-kv-read
+   ```
+
+2. Fetch via sanctioned transport (never paste into chat):
+
+   ```bash
+   # lengths / presence only when debugging
+   warden access binky-qonto-api --all --no-policy --exec -- \
+     sh -c 'export QONTO_API_KEY="$API_KEY" QONTO_ORGANIZATION_ID="$API_USER";
+            # then: qonto-mcp-server or curl thirdparty with Authorization login:key
+            :'
+   ```
+
+   Dual-field inject via bao (files mode 0600):
+
+   ```bash
+   umask 077
+   bao kv get -field=API_KEY tenants/binky/qonto-api > /tmp/qonto.key
+   bao kv get -field=API_USER tenants/binky/qonto-api > /tmp/qonto.user
+   chmod 600 /tmp/qonto.key /tmp/qonto.user
+   export QONTO_API_KEY="$(cat /tmp/qonto.key)"
+   export QONTO_ORGANIZATION_ID="$(cat /tmp/qonto.user)"
+   shred -u /tmp/qonto.key /tmp/qonto.user
+   ```
+
+3. Run **read-only** tools only (organization, accounts, transactions,
+   statements metadata). Do **not** invoke card, invoicing, request, or transfer
+   tools.
+
+4. Store **metadata-only** evidence under `binky-control/finance/` (update
+   `CostRunRate.md` TBC rows; no bulk statement dumps in git).
+
+Agents (`WARDEN_AGENT_ID` set): raw value stream refused (exit 7). Use `--out` /
+`--exec` / `--wrap` / `--fingerprint`.
+
+---
+
+## Verify (capabilities-safe)
+
+```bash
+LANE=$(bao token create -policy=workload-kv-read-binky-qonto-api -ttl=2m -field=token)
+bao token capabilities "$LANE" tenants/data/binky/qonto-api   # read
+bao token revoke "$LANE"
+
+DEFAULT=$(bao token create -policy=default -ttl=2m -field=token)  # deny of create is also pass
+bao token capabilities "$DEFAULT" tenants/data/binky/qonto-api  # deny
+bao token revoke "$DEFAULT"
+```
+
+Never use `bao kv get` for deny tests.
+
+---
+
+## Founder provision (Red lane)
+
+```bash
+# In Qonto dashboard: /settings/integrations → create API key, note login/org slug
+umask 077
+bao kv put tenants/binky/qonto-api \
+  API_KEY=@/tmp/qonto.key \
+  API_USER=@/tmp/qonto.user
+shred -u /tmp/qonto.key /tmp/qonto.user
+```
+
+## Rotation
+
+```bash
+warden rotate-guide binky-qonto-api
+```
+
+## See also
+
+- `binky-control/integrations/qonto-mcp.md`
+- `wiki/playbooks/tenant-secret-onboarding.md`
+- CCR-2026-0008 in railiance-platform
+- DEC-2026-004 / OH-2026-003 in binky-control