diff --git a/README.md b/README.md
index 5487d1f..e34af7e 100644
--- a/README.md
+++ b/README.md
@@ -14,7 +14,8 @@ no spend, no volume-cost actions.**
 | [`INTENT.md`](INTENT.md) | Why this exists; boundaries |
 | [`specs/ArchitectureBlueprint.md`](specs/ArchitectureBlueprint.md) | Architecture, phases, policy model |
 | [`research/2026-07-21-mcp-gateway-and-governed-domain-assistant.md`](research/2026-07-21-mcp-gateway-and-governed-domain-assistant.md) | External + internal research |
-| [`docs/operator-runbook.md`](docs/operator-runbook.md) | How to run and verify Phase 1 |
+| [`docs/operator-runbook.md`](docs/operator-runbook.md) | How to run and verify Phase 1 (REST) |
+| [`docs/mcp-integration.md`](docs/mcp-integration.md) | How to run and verify Phase 2 (MCP) |
 
 ## Status
 
@@ -26,24 +27,35 @@ Phase 1 runtime is implemented:
 - REST endpoints: `/v1/health`, `/v1/accounts`, `/v1/transactions`, `/v1/snapshot`
 - audit metadata, rate limiting, concurrency bounds, tests
 
-Phase 2 (MCP surface, `workplans/QONTO-WP-0003-mcp-surface.md`) is in
-progress: a streamable-HTTP MCP adapter is mounted at `/mcp` on the same
-capability core and policy kernel as REST, with tools `qonto_org_summary`,
-`qonto_list_transactions`, and `qonto_cost_run_rate_hints`. The endpoint is
-gated by a shared-secret bearer token (`QONTO_ASSISTANT_MCP_TOKEN`) — see
-`docs/mcp-integration.md` for the auth model, its gap vs. the OIDC/workload
-target, and the shared multi-harness client config snippet. The
-`finance-qonto-read` tool profile is not yet implemented.
+Phase 2 (MCP surface, `workplans/QONTO-WP-0003-mcp-surface.md`) is
+**finished**: a streamable-HTTP MCP adapter is mounted at `/mcp` on the same
+capability core and policy kernel as REST — proven identical by test, not
+just by construction (`tests/test_policy.py`, `tests/test_audit_parity.py`)
+— with tools `qonto_org_summary`, `qonto_list_transactions`, and
+`qonto_cost_run_rate_hints`. The endpoint is gated by a shared-secret bearer
+token (`QONTO_ASSISTANT_MCP_TOKEN`); see `docs/mcp-integration.md` for the
+auth model, its explicit gap vs. the OIDC/workload target (no issuer exists
+in this fleet yet), and the shared multi-harness client config snippet. The
+`finance-qonto-read` agent-harness tool profile is documented (qonto-assistant
+side) but not yet registered in `agent-harness` itself — separate repo,
+separate workplan.
 
 Current verification:
 
-- `PYTHONPATH=src ../state-hub/.venv/bin/python -m pytest` → `16 passed`
+- `PYTHONPATH=src ../state-hub/.venv/bin/python -m pytest` → `31 passed`
 - `python3 -m compileall src tests scripts`
 - `../state-hub/.venv/bin/python scripts/smoke_rest_api.py --python ../state-hub/.venv/bin/python`
+- `../state-hub/.venv/bin/python scripts/smoke_mcp.py --python ../state-hub/.venv/bin/python`
 
 Local fixture-backed smoke mode is available through `QONTO_FIXTURE_DIR`, so the
-service can be exercised without real Qonto credentials. The smoke path checks
-both a `31`-day recent snapshot and a `90`-day recurring-cost snapshot.
+service can be exercised without real Qonto credentials. The REST smoke checks
+both a `31`-day recent snapshot and a `90`-day recurring-cost snapshot; the MCP
+smoke additionally exercises the bearer-token auth gate and an out-of-catalog
+tool deny path.
+
+Phase 3 (flex-auth resource `finance.qonto.read`, graduated quotas,
+redaction profiles) is not started — see `workplans/QONTO-WP-0003-mcp-surface.md`
+closure notes for the seed.
 
 Normal local workflow, when toolchain support exists:
 
diff --git a/workplans/QONTO-WP-0003-mcp-surface.md b/workplans/QONTO-WP-0003-mcp-surface.md
index 6ea02f3..bb08eb5 100644
--- a/workplans/QONTO-WP-0003-mcp-surface.md
+++ b/workplans/QONTO-WP-0003-mcp-surface.md
@@ -4,11 +4,11 @@ type: workplan
 title: "Phase 2 — MCP surface for all harnesses"
 domain: infotech
 repo: qonto-assistant
-status: active
+status: finished
 owner: codex
 topic_slug: the-custodian
 created: "2026-07-22"
-updated: "2026-07-22"
+updated: "2026-07-23"
 state_hub_workstream_id: "6ad0e906-5fbe-4b9e-8307-0abfc5c4a60a"
 ---
 
@@ -299,7 +299,7 @@ exits `0` against fixtures, no real Qonto credentials. `pytest` → `31 passed`
 
 ```task
 id: QONTO-WP-0003-T07
-status: todo
+status: done
 priority: low
 state_hub_task_id: "1dc90a1e-0dcc-40c1-80c9-c7403a348db0"
 ```
@@ -308,3 +308,49 @@ Mark workplan finished when T01–T06 are done; confirm REST and MCP surfaces
 enforce identical policy outcomes end to end. Note Phase 3 seed (flex-auth
 resource `finance.qonto.read`, graduated quotas, redaction profiles) in
 closure. Run `statehub fix-consistency`.
+
+**Closed 2026-07-23.** T01–T06 all done. Final end-to-end confirmation
+before closing: `pytest` → `31 passed`; `scripts/smoke_rest_api.py` and
+`scripts/smoke_mcp.py` both exit `0` against fixtures in the same run;
+`python3 -m compileall src tests scripts` clean.
+
+**Identical policy outcomes, confirmed two ways, not asserted:**
+`tests/test_policy.py::test_policy_decision_identical_across_protocols`
+(T01) proves `PolicyEngine.decide()` never branches on `protocol` at the
+unit level, and `tests/test_audit_parity.py` (T05) proves the resulting
+audit events are schema-identical for the same capability call over both
+transports, for both an allow and a deny path. Both REST and MCP call
+through the same `CapabilityService._execute` → `PolicyEngine.decide()`
+path — there is structurally no second policy implementation to drift.
+
+**What Phase 2 shipped:** streamable-HTTP MCP adapter mounted at `/mcp`
+(T01); three capability tools — `qonto_org_summary`,
+`qonto_list_transactions`, `qonto_cost_run_rate_hints` — mapped 1:1 to the
+existing REST-allowed capabilities, `snapshot_bundle` deliberately not
+mirrored as it isn't a separate privilege (T02); shared-secret bearer-token
+workload auth (`QONTO_ASSISTANT_MCP_TOKEN`) plus one client config snippet
+covering Claude Code/Desktop/Cursor/Codex-style harnesses, with the real
+OIDC/workload-identity gap called out explicitly rather than faked (T03);
+the qonto-assistant-side contract for agent-harness's `finance-qonto-read`
+tool profile, checked against the real `agent_harness/profiles.py` schema
+(T04); REST/MCP audit-schema parity pinned by test (T05); an MCP smoke
+script exercising the full tool catalog, the auth gate, and the
+out-of-catalog deny path against fixtures with no real credentials (T06).
+
+**Known gaps carried forward, not closed by this workplan:**
+- Real OIDC/workload-identity federation (no issuer exists in this fleet —
+  see `docs/mcp-integration.md`'s auth model section). The bearer token is
+  a deployable interim, not the blueprint's target state.
+- Per-actor identity (`X-Actor-*` headers) is still self-asserted, not
+  cryptographically bound to the workload-auth token.
+- `finance-qonto-read` is documented but not registered in
+  `agent-harness/agent_harness/profiles.py` — that's agent-harness's own
+  repo/workplan to pick up.
+
+**Phase 3 seed** (`specs/ArchitectureBlueprint.md` §6 Phase 3, not started):
+a flex-auth resource `finance.qonto.read` (+ later `.export`) to bind actor
+identity to the workload-auth layer instead of self-asserted headers;
+graduated quotas and differentiated response-redaction profiles; optional
+Envoy/gateway mesh in front for multi-assistant deployments. The
+`QONTO_ASSISTANT_REQUIRED_SCOPE`/`QONTO_ASSISTANT_ENFORCE_SCOPE` settings
+already exist in `config.py` as the landing spot for that scope name.