diff --git a/REFACTORING-AUDIT.md b/REFACTORING-AUDIT.md
index 903ba1b..d95ef2a 100644
--- a/REFACTORING-AUDIT.md
+++ b/REFACTORING-AUDIT.md
@@ -415,4 +415,5 @@ Migration order implied by the map: isolate shared infrastructure constructors (
 - Settled IPG deposits now use `application/deposit.RawSettlementAmount` for Rial→Toman→raw conversion, retaining exactness checks before Stellar transfer. Full Wallet tests pass in `08c2d7b`.
 - Transaction status-update construction now lives in `application/transaction`; Stellar polling remains at the infrastructure-facing service while persistence update shape is application-owned. Full Wallet tests pass in `7941966`.
 - Transaction-event type support is centralized in `application/transactionevents`, removing the duplicate wallet-server policy. Full Wallet tests pass in `4d03adb`.
+- IPG payer-ID derivation is now application-owned with short/invalid input protection and deterministic tests; the gRPC service delegates through a compatibility wrapper. Full Wallet tests pass in `f12752d`.
 - Deposit/payment idempotency, transaction persistence, queue publication, and failure orchestration remain for subsequent W006 increments.
diff --git a/REFACTORING-TODO.md b/REFACTORING-TODO.md
index 9242b37..90ff41b 100644
--- a/REFACTORING-TODO.md
+++ b/REFACTORING-TODO.md
@@ -325,4 +325,4 @@ Append one row whenever a task changes status. Existing rows are never rewritten
 | 2026-08-30 | A009 | `TODO` | `DONE` | Removed Auth's commented/dead wallet federation client; Auth tests pass with writable cache in `508a239`. |
 | 2026-08-30 | W013 | `TODO` | `STARTED` | Removed automatic federation creation and federation lookup from wallet initialization; new wallet records no longer receive a federation assignment; full Wallet tests pass in `97dd9d9`. Remaining schema/API/transaction-field cleanup is pending. |
 | 2026-08-30 | W013 | `STARTED` | `DONE` | Removed federation persistence/model code, wallet and transaction federation fields, federation protobuf messages, stale API route/docs, and remaining runtime references; regenerated Wallet contracts for Wallet/Auth/API; Wallet, Auth, and API tests pass. Wallet `a38501d`/`7ae90cc`, Auth `446e875`, API `c450264`/`c2c076c`. |
-| 2026-08-30 | W006 | `TODO` | `STARTED` | Added `application/withdrawal`, `application/deposit`, `application/transfer`, and `application/transaction`; routed IRT reconciliation, IPG conversion/settlement, transfer validation, Stellar status updates, and transaction-event support policy through application boundaries; full Wallet tests pass in `4d03adb`. Idempotency, queue publication, and failure orchestration remain. |
+| 2026-08-30 | W006 | `TODO` | `STARTED` | Added `application/withdrawal`, `application/deposit`, `application/transfer`, and `application/transaction`; routed IRT reconciliation, IPG conversion/settlement/payer identity, transfer validation, Stellar status updates, and transaction-event support policy through application boundaries; full Wallet tests pass in `f12752d`. Idempotency, queue publication, and failure orchestration remain. |