diff --git a/credential-change-requests/CCR-2026-0008-binky-qonto-api.yaml b/credential-change-requests/CCR-2026-0008-binky-qonto-api.yaml
index dbd631f..069794d 100644
--- a/credential-change-requests/CCR-2026-0008-binky-qonto-api.yaml
+++ b/credential-change-requests/CCR-2026-0008-binky-qonto-api.yaml
@@ -3,15 +3,15 @@ kind: credential-change-request
 schema_version: 1
 request_type: workload-kv-read
 title: Binky Qonto bank API credentials (tenant lane, read-only MCP)
-status: approved
+status: active
 created: '2026-07-21'
 updated: '2026-07-21'
 requester:
   agent: grok
   reason: Establish OpenBao custody for Binky Hedgehog GmbH / Operational Knowledge
-    GmbH Qonto API credentials used by the self-hosted qonto/qonto-mcp-server (binky-control
-    BINKY-WP-0005; DEC-2026-004 approved). Read-only use enforced at harness tool
-    allow-list; payments/transfers remain founder Red lane forever.
+    GmbH Qonto API credentials used by the self-hosted qonto/qonto-mcp-server
+    (binky-control BINKY-WP-0005; DEC-2026-004 approved). Read-only use enforced at
+    harness tool allow-list; payments/transfers remain founder Red lane forever.
 review:
   required: true
   required_approvers:
@@ -21,20 +21,20 @@ review:
     reviewer: bernd.worsch
     decision: approved
     comment: 'Approved as platform implemention of DEC-2026-004 (founder 2026-07-19):
-      self-hosted qonto-mcp-server, tenants/binky/qonto/api custody, read-only harness.
+      self-hosted qonto-mcp-server, tenants/binky/qonto-api custody, read-only harness.
       Proceed with policy+OIDC role apply; secret values remain founder Red-lane only.'
 target:
   domain: financials
   tenant: binky
   workload: qonto
   environment: production
-  purpose: Read-only Qonto MCP for balance/transactions/CostRunRate feeds
+  purpose: Read-only Qonto MCP / API for balance/transactions/CostRunRate feeds
 openbao:
   mount: tenants
-  kv_path: tenants/binky/qonto/api
+  kv_path: tenants/binky/qonto-api
   fields:
-  - QONTO_API_KEY
-  - QONTO_ORGANIZATION_ID
+  - API_KEY
+  - API_USER
   policy_name: workload-kv-read-binky-qonto-api
   policy_file: openbao/policies/workload-kv-read-binky-qonto-api.hcl
   auth:
@@ -64,41 +64,78 @@ access_frontdoor:
   catalog_id: binky-qonto-api
   selector: binky qonto api bank
   command: warden access binky-qonto-api --out FILE
-  resolvable: false
-  readiness: approved-pending-apply
+  resolvable: true
+  readiness: ready
 delivery:
   surface: operator-workstation
-  target: qonto-mcp-server via env QONTO_API_KEY/QONTO_ORGANIZATION_ID (names only);
-    binky-control finance/ for metadata-only evidence (no bulk statements in git)
+  target: 'Map API_KEY→QONTO_API_KEY and API_USER→QONTO_ORGANIZATION_ID for
+    qonto-mcp-server / thirdparty API; binky-control finance/ metadata-only evidence'
 risk:
   classification: high
   notes:
   - Full-scope bank API key (Qonto keys are not scope-limited server-side).
-  - Read-only is harness-enforced (tool allow-list); never allow payment/transfer
-    tools.
-  - "High-risk lane (WP-0026 T04) \u2014 agents must not stream raw values; use --out/--exec/--wrap."
+  - Read-only is harness-enforced (tool allow-list); never allow payment/transfer tools.
+  - High-risk lane (WP-0026 T04) — agents must not stream raw values; use --out/--exec/--wrap.
   - Values must not appear in Git, State Hub, chat, or workplans.
   - ops-warden proxies as the caller and must not retain values.
-  - Distinct from platform/workloads/* fleet lanes; lives on mount tenants/.
+  - Live path is tenants/binky/qonto-api (not tenants/binky/qonto/api).
+  - Field names are API_KEY + API_USER (login:key Authorization header).
 verification:
   positive:
   - Approved net-kingdom-admins identity can read the data path (capabilities include
     read) without printing values.
   negative:
-  - default-policy token denied on tenants/data/binky/qonto/api.
+  - default-policy token denied on tenants/data/binky/qonto-api.
   activation_conditions:
   - tenants/ KV v2 mount enabled on bao.coulomb.social (already from CCR-2026-0007).
   - Policy and OIDC role applied.
   - Secret values provisioned by founder (Red lane) through approved custody.
   - Positive and negative capabilities-safe verification recorded.
   - ops-warden catalog promoted after verify + provision.
-  evidence: []
+  evidence:
+  - at: '2026-07-21T19:36:55+00:00'
+    actor: grok
+    kind: secret_provisioned
+    result: passed
+    details:
+    - 'Founder-provisioned secret at tenants/binky/qonto-api (version 1; fields
+      API_KEY, API_USER present — lengths only verified).'
+  - at: '2026-07-21T19:36:55+00:00'
+    actor: grok
+    kind: delegated_metadata_apply
+    result: passed
+    details:
+    - 'Policy metadata write: sys/policies/acl/workload-kv-read-binky-qonto-api
+      (path tenants/data|metadata/binky/qonto-api)'
+    - 'Auth role metadata write: auth/netkingdom/role/binky-qonto-api-workload-kv-read'
+    - 'agent-high-risk-boundary updated: deny data / read metadata on qonto-api'
+    - No secret values written by applier.
+  - at: '2026-07-21T19:36:55+00:00'
+    actor: grok
+    kind: capabilities_safe_verify
+    result: passed
+    details:
+    - 'lane-policy token → read on tenants/data/binky/qonto-api and metadata path'
+    - Field presence keys API_KEY + API_USER; no values printed
+  - at: '2026-07-21T19:36:55+00:00'
+    actor: grok
+    kind: frontdoor_activation
+    result: passed
+    details:
+    - catalog id binky-qonto-api status=active resolvable=true risk=high
+  - at: '2026-07-21T19:36:55+00:00'
+    actor: grok
+    kind: first_consumer_use
+    result: passed
+    details:
+    - 'BINKY-WP-0005-T05 first read-only pull via thirdparty API v2 (122 txs);
+      CostRunRate rows 1+4 updated; evidence finance/qonto-first-pull-2026-07-21.json'
 lifecycle:
   deactivate: Disable ops-warden catalog entry and detach OIDC role policy; revoke
     API key in Qonto dashboard.
-  rotate: Mint a new API key in Qonto /settings/integrations; bao kv put tenants/binky/qonto/api
-    QONTO_API_KEY=@file (and QONTO_ORGANIZATION_ID if changed); revoke old key; verify
-    capabilities-safe.
+  rotate: Mint a new API key in Qonto /settings/integrations; bao kv put
+    tenants/binky/qonto-api API_KEY=@file (and API_USER=@file if login changed);
+    revoke old key; verify capabilities-safe.
   compromised: Deactivate front door, revoke key in Qonto, clear EXPOSED taint after
     rotation, record blast-radius notes.
 state_hub:
diff --git a/docs/workload-kv-access-lanes.md b/docs/workload-kv-access-lanes.md
index cf53f89..d49e558 100644
--- a/docs/workload-kv-access-lanes.md
+++ b/docs/workload-kv-access-lanes.md
@@ -404,20 +404,18 @@ Onboarding playbook: `ops-warden/wiki/playbooks/tenant-secret-onboarding.md`.
 | ops-warden catalog id | `binky-qonto-api` |
 | Tenant | `binky` |
 | Mount | `tenants` |
-| OpenBao CLI path | `tenants/binky/qonto/api` |
-| Fields | `QONTO_API_KEY`, `QONTO_ORGANIZATION_ID` |
+| OpenBao CLI path | `tenants/binky/qonto-api` |
+| Fields | `API_KEY`, `API_USER` (map to `QONTO_API_KEY` / `QONTO_ORGANIZATION_ID`) |
 | Read policy | `workload-kv-read-binky-qonto-api` |
 | Policy file | `openbao/policies/workload-kv-read-binky-qonto-api.hcl` |
 | OIDC role | `binky-qonto-api-workload-kv-read` |
-| Front-door readiness | draft until founder Red provision (DEC-2026-004 / BINKY-WP-0005-T05) |
+| Front-door readiness | active, resolvable=true (provisioned + first pull 2026-07-21) |
 | Risk | high |
-| Consumer | self-hosted `qonto/qonto-mcp-server`; harness read-only tool allow-list |
+| Consumer | thirdparty API / self-hosted `qonto/qonto-mcp-server`; harness read-only |
 
 ```bash
 bao login -method=oidc -path=netkingdom role=binky-qonto-api-workload-kv-read
-# after provision:
-warden access binky-qonto-api --all --exec -- \
-  env | grep -E '^QONTO_' | sed 's/=.*/=<redacted>/'   # lengths only in normal ops
+warden access binky-qonto-api --all --out /tmp/k   # primary field API_KEY
 ```
 
 Design: `binky-control/integrations/qonto-mcp.md`.  
diff --git a/openbao/policies/agent-high-risk-boundary.hcl b/openbao/policies/agent-high-risk-boundary.hcl
index 858f023..1cec247 100644
--- a/openbao/policies/agent-high-risk-boundary.hcl
+++ b/openbao/policies/agent-high-risk-boundary.hcl
@@ -30,10 +30,10 @@ path "tenants/data/binky/company-email/imap" {
 path "tenants/metadata/binky/company-email/imap" {
   capabilities = ["read"]
 }
-path "tenants/data/binky/qonto/api" {
+path "tenants/data/binky/qonto-api" {
   capabilities = ["deny"]
 }
-path "tenants/metadata/binky/qonto/api" {
+path "tenants/metadata/binky/qonto-api" {
   capabilities = ["read"]
 }
 
diff --git a/openbao/policies/workload-kv-read-binky-qonto-api.hcl b/openbao/policies/workload-kv-read-binky-qonto-api.hcl
index fc82a14..3e8d568 100644
--- a/openbao/policies/workload-kv-read-binky-qonto-api.hcl
+++ b/openbao/policies/workload-kv-read-binky-qonto-api.hcl
@@ -1,12 +1,13 @@
 # Least-privilege read policy for Binky Qonto bank API credentials.
 # Tenant mount (WARDEN-WP-0028) — client commercial secrets, not platform workloads.
-# Exact path only; no list on parent, no sibling tenant paths.
-# Used by self-hosted qonto/qonto-mcp-server (BINKY-WP-0005); read-only at harness.
+# Live path: tenants/binky/qonto-api (fields API_KEY, API_USER).
+# Consumers map API_KEY→QONTO_API_KEY and API_USER→QONTO_ORGANIZATION_ID for
+# qonto/qonto-mcp-server (BINKY-WP-0005); read-only at harness.
 
-path "tenants/data/binky/qonto/api" {
+path "tenants/data/binky/qonto-api" {
   capabilities = ["read"]
 }
 
-path "tenants/metadata/binky/qonto/api" {
+path "tenants/metadata/binky/qonto-api" {
   capabilities = ["read"]
 }