diff --git a/CHANGELOG.md b/CHANGELOG.md
index 821a6c0..d6e9156 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -2,6 +2,42 @@
 
 All notable changes to BlockRun MCP will be documented in this file.
 
+## 0.39.1
+
+Closes the three money-path holes 0.38.1 documented as "known and unfixed" —
+all in `blockrun_video`, all pre-existing, all now pinned by
+`test/video-money-path.test.ts`.
+
+- **`fix(budget)` — an unreadable 402 amount aborts BEFORE signing.** When the
+  quote's `amount` failed to parse (missing, non-numeric, non-positive), the
+  old path skipped the re-reserve, signed a payment authorization for the raw
+  unvalidated value, and booked only the estimate — the last remaining way
+  past the budget cap. Now: fail closed with "no charge was made", nothing
+  signed, reservation fully released. Never sign what you could not read.
+
+- **`fix(ssrf)` — `image_url` / `last_frame_url` get the guard `blockrun_image`
+  already had.** Scheme check (zod's `.url()` accepts `file://` et al.) plus
+  resolved-host check via `isBlockedFetchHostResolved` — resolved, not
+  literal, so wildcard-DNS names like `127.0.0.1.nip.io` are caught. This
+  process never fetches these URLs (the gateway's fetcher does), so the guard
+  is defense-in-depth plus a saved round trip: a private/metadata address was
+  previously forwarded, quoted, and paid for before failing server-side.
+
+- **`fix(budget)` — a malformed "completed" poll can no longer un-book a real
+  charge.** Settlement happens server-side on the first poll the gateway
+  answers with `status:"completed"` — the USDC is gone the moment the client
+  observes it. The old path validated the payload first: a completed body with
+  no clip URL threw, the catch returned an error, and `finally` released the
+  reservation — a real charge the ledger never saw, silently raising the cap
+  by the lost amount. The spend is now booked at the instant "completed" is
+  observed, before any payload validation; the caller still gets the error.
+
+  The first draft of this fix double-booked the happy path (poll site AND the
+  old tail call) — caught by the new test's exactly-once assertion, which is
+  why it asserts on the ledger, not on the error text.
+
+309 tests pass.
+
 ## 0.39.0
 
 The Seedance capability tables, re-derived from token360's OWN published
diff --git a/package-lock.json b/package-lock.json
index 87531a2..a7e1814 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -1,12 +1,12 @@
 {
   "name": "@blockrun/mcp",
-  "version": "0.39.0",
+  "version": "0.39.1",
   "lockfileVersion": 3,
   "requires": true,
   "packages": {
     "": {
       "name": "@blockrun/mcp",
-      "version": "0.39.0",
+      "version": "0.39.1",
       "license": "MIT",
       "dependencies": {
         "@anthropic-ai/sdk": "^0.39.0",
diff --git a/package.json b/package.json
index ef756b1..e1be31e 100644
--- a/package.json
+++ b/package.json
@@ -1,6 +1,6 @@
 {
   "name": "@blockrun/mcp",
-  "version": "0.39.0",
+  "version": "0.39.1",
   "mcpName": "io.github.BlockRunAI/blockrun-mcp",
   "description": "BlockRun MCP Server - Give your AI agent web search, deep research, prediction markets, and crypto data. Paid via x402 micropayments.",
   "type": "module",
diff --git a/src/tools/video.ts b/src/tools/video.ts
index 4c0f961..d41af6c 100644
--- a/src/tools/video.ts
+++ b/src/tools/video.ts
@@ -9,6 +9,7 @@ import { launchTopUp } from "../utils/onramp.js";
 import { fetchWithTimeout, isTimeoutError } from "../utils/http.js";
 import type { BudgetState } from "../types.js";
 import { getChain, getOrCreateWalletKey } from "../utils/wallet.js";
+import { isBlockedFetchHostResolved } from "../utils/ssrf.js";
 import { privateKeyToAccount } from "viem/accounts";
 import {
   createPaymentPayload,
@@ -275,6 +276,32 @@ Returns a permanent blockrun-hosted MP4 URL (the gateway mirrors the asset to GC
           }
         }
 
+        // SSRF guard on caller-supplied URLs, mirroring blockrun_image
+        // (src/tools/image.ts). This process never fetches these URLs — the
+        // GATEWAY's fetcher does — so this is defense-in-depth plus a saved
+        // round trip: a URL pointing at localhost / the metadata endpoint /
+        // the private network was previously forwarded, quoted, and PAID for
+        // before failing (or worse, succeeding) server-side. Resolved, not
+        // literal: wildcard-DNS names like 127.0.0.1.nip.io are public strings
+        // that map to private addresses. zod's .url() accepts any scheme, so
+        // file:// etc. are rejected here too.
+        for (const [name, value] of [["image_url", image_url], ["last_frame_url", last_frame_url]] as const) {
+          if (!value) continue;
+          const parsed = new URL(value);
+          if (parsed.protocol !== "http:" && parsed.protocol !== "https:") {
+            return {
+              content: [{ type: "text", text: formatError(`${name} must be an http(s) URL — got scheme "${parsed.protocol}"`) }],
+              isError: true,
+            };
+          }
+          if (await isBlockedFetchHostResolved(parsed.hostname)) {
+            return {
+              content: [{ type: "text", text: formatError(`${name} resolves to a private/loopback/link-local address (${parsed.hostname}) — refusing to forward it to the gateway.`) }],
+              isError: true,
+            };
+          }
+        }
+
         // Resolution ceilings, per model. Only Seedance
         // is checked: Sora and Grok bill per second and ignore the parameter,
         // which is what the schema promises — so for them it is DROPPED from the
@@ -356,13 +383,24 @@ Returns a permanent blockrun-hosted MP4 URL (the gateway mirrors the asset to GC
         // 1080p/4K can far exceed the per-second table estimate). Book THIS, not
         // the estimate, so the budget cap reflects what was actually settled.
         const settledUsd = amountToUsd(details.amount);
+        // FAIL CLOSED on a quote we cannot price. amountToUsd returns null for
+        // a missing / non-numeric / non-positive amount — and the old path then
+        // SKIPPED the re-reserve, signed a payment for the raw unvalidated
+        // amount, and booked only the estimate: the last remaining way past the
+        // budget cap. Never sign what we could not read.
+        if (settledUsd === null) {
+          return {
+            content: [{ type: "text", text: formatError(`The gateway's 402 quote carried an unreadable amount (${JSON.stringify(details.amount)}). Refusing to sign a payment for an amount that could not be validated — no charge was made. This is a gateway fault; retry, and report it if it persists.`) }],
+            isError: true,
+          };
+        }
 
         // The 402 carries the REAL price; Seedance/Sora are token-priced, so a
         // 1080p/4K render can far exceed the per-second estimate reserved at
         // the gate. Re-reserve against the cap BEFORE paying so a single high-res
         // call can't settle past the budget (and concurrent jobs hold the true
         // amount, not the low estimate, for the whole polling window).
-        if (settledUsd !== null && settledUsd > estimatedCost) {
+        if (settledUsd > estimatedCost) {
           gate?.release();
           gate = reserveBudget(budget, agent_id, settledUsd);
           if (!gate.allowed) {
@@ -425,6 +463,7 @@ Returns a permanent blockrun-hosted MP4 URL (the gateway mirrors the asset to GC
 
         const startedAt = Date.now();
         let lastStatus = submitData.status || "queued";
+        let spendBooked = false;
         let completed: {
           url: string;
           source_url?: string;
@@ -458,6 +497,20 @@ Returns a permanent blockrun-hosted MP4 URL (the gateway mirrors the asset to GC
 
           lastStatus = pollData.status || lastStatus;
 
+          // Settlement happens SERVER-SIDE on the first poll the gateway
+          // answers with status "completed" — the USDC is gone the moment we
+          // observe it, regardless of what the rest of the payload looks like.
+          // Book immediately: the old path validated the payload first, so a
+          // malformed completed body threw, the catch returned an error, and
+          // finally released the reservation — a real charge the ledger never
+          // saw, silently raising the cap by the lost amount.
+          if (lastStatus === "completed" && !spendBooked) {
+            // Backstop only — every reachable path here has already booked at the
+        // poll site the moment "completed" was observed.
+        if (!spendBooked) recordActualSpend(budget, settledUsd, estimatedCost, agent_id);
+            spendBooked = true;
+          }
+
           if (pollResp.status === 202 && (lastStatus === "queued" || lastStatus === "in_progress")) {
             continue;
           }
@@ -506,7 +559,9 @@ Returns a permanent blockrun-hosted MP4 URL (the gateway mirrors the asset to GC
           ...(completed.request_id ? [`Request ID: ${completed.request_id}`] : []),
           ...(completed.txHash ? [`Tx: ${completed.txHash}`] : []),
         ];
-        recordActualSpend(budget, settledUsd, estimatedCost, agent_id);
+        // Backstop only — every reachable path here has already booked at the
+        // poll site the moment "completed" was observed.
+        if (!spendBooked) recordActualSpend(budget, settledUsd, estimatedCost, agent_id);
 
         return {
           content: [{ type: "text", text: lines.join("\n") }],
diff --git a/test/video-money-path.test.ts b/test/video-money-path.test.ts
new file mode 100644
index 0000000..208fe81
--- /dev/null
+++ b/test/video-money-path.test.ts
@@ -0,0 +1,169 @@
+// Run with: npm test  (tsx --experimental-test-module-mocks --test)
+//
+// Pins the three money-path holes the 0.38.1 review documented as "known and
+// unfixed", now fixed:
+//
+//  1. An unquotable 402 amount must abort BEFORE any payment is signed — the
+//     old path skipped the re-reserve, signed the raw unvalidated amount, and
+//     booked only the estimate: the last remaining way past the budget cap.
+//  2. image_url / last_frame_url get the same SSRF guard blockrun_image has —
+//     scheme check plus resolved-host check, BEFORE any network call, so a
+//     private/metadata address is never forwarded to (or paid for at) the
+//     gateway.
+//  3. Settlement happens server-side on the first "completed" poll. The spend
+//     must be booked the moment that status is observed — a malformed
+//     completed payload used to throw first, releasing the reservation while
+//     the USDC was already gone.
+import { test, mock } from "node:test";
+import assert from "node:assert/strict";
+import type { BudgetState } from "../src/types.js";
+
+const TEST_KEY = "0x59c6995e998f97a5a0044966f0945389dc9e86dae88c7a8412f4603b6b78690d";
+
+function headers(map: Record<string, string>) {
+  const lower: Record<string, string> = {};
+  for (const [k, v] of Object.entries(map)) lower[k.toLowerCase()] = v;
+  return { get: (name: string) => lower[name.toLowerCase()] ?? null };
+}
+
+// Scriptable fetch: each test sets `script` to the remaining responses; every
+// call shifts one. Empty script = the test expected NO network call.
+let script: Array<() => unknown> = [];
+let fetchCalls = 0;
+mock.module("../src/utils/http.js", {
+  namedExports: {
+    fetchWithTimeout: async () => {
+      fetchCalls++;
+      const next = script.shift();
+      if (!next) throw new Error("UNEXPECTED_NETWORK_CALL");
+      return next();
+    },
+    isTimeoutError: () => false,
+  },
+});
+mock.module("../src/utils/wallet.js", {
+  namedExports: {
+    getChain: () => "base",
+    getOrCreateWalletKey: () => TEST_KEY,
+    getWalletInfo: async () => ({ address: "0xTEST" }),
+  },
+});
+// Hostname-keyed, no DNS: the real resolver is covered by ssrf.test.ts; here we
+// only need "this hostname is private" to be decidable offline.
+mock.module("../src/utils/ssrf.js", {
+  namedExports: {
+    isBlockedFetchHostResolved: async (hostname: string) =>
+      hostname === "169.254.169.254" || hostname === "127.0.0.1.nip.io",
+    isBlockedFetchHost: () => false,
+  },
+});
+// Scriptable 402 amount + a payment-signing tripwire.
+let quotedAmount: unknown = "400000";
+let paymentsSigned = 0;
+mock.module("@blockrun/llm", {
+  namedExports: {
+    createPaymentPayload: async () => { paymentsSigned++; return "0xpaymentpayloadmock"; },
+    parsePaymentRequired: () => ({}),
+    extractPaymentDetails: () => ({
+      amount: quotedAmount,
+      recipient: "0x0000000000000000000000000000000000000001",
+      network: "eip155:8453",
+      resource: { url: "https://blockrun.ai/api/v1/videos/generations", description: "BlockRun Video Generation" },
+      maxTimeoutSeconds: 600,
+      extra: {},
+    }),
+  },
+});
+
+const { registerVideoTool } = await import("../src/tools/video.js");
+
+function makeHarness() {
+  let handler: ((args: Record<string, unknown>) => Promise<any>) | undefined;
+  const server = {
+    registerTool: (_n: string, _c: unknown, h: any) => { handler = h; },
+    server: { getClientCapabilities: () => ({}) },
+  } as any;
+  const budget: BudgetState = { limit: null, spent: 0, calls: 0, agents: new Map() };
+  registerVideoTool(server, budget);
+  return { call: (args: Record<string, unknown>) => handler!(args), budget };
+}
+
+const resp402 = () => ({ status: 402, ok: false, headers: headers({ "payment-required": "x402 base ..." }), json: async () => ({}) });
+const respSubmit = () => ({ status: 202, ok: false, headers: headers({}), json: async () => ({ id: "vid_1", poll_url: "/api/v1/videos/poll/vid_1", status: "queued" }) });
+const respPoll = (body: unknown) => ({ status: 200, ok: true, headers: headers({}), json: async () => body });
+
+test("SSRF: non-http(s) schemes and private-resolving hosts are refused before ANY network call", async () => {
+  for (const args of [
+    { image_url: "file:///etc/passwd" },
+    { image_url: "http://169.254.169.254/latest/meta-data/" },
+    { image_url: "https://127.0.0.1.nip.io/a.png" },
+    { image_url: "https://ok.example.com/a.png", last_frame_url: "http://169.254.169.254/b.png" },
+  ]) {
+    script = []; fetchCalls = 0;
+    const { call, budget } = makeHarness();
+    const res = await call({ prompt: "a cube", model: "bytedance/seedance-2.0", ...args });
+    const text = res.content.map((c: any) => c.text).join("\n");
+    assert.equal(res.isError, true, text);
+    assert.match(text, /http\(s\) URL|private\/loopback\/link-local/);
+    assert.equal(fetchCalls, 0, `network was reached for ${JSON.stringify(args)}`);
+    assert.equal(budget.spent, 0);
+  }
+});
+
+test("SSRF: a public https seed image still goes through", async () => {
+  script = [resp402, respSubmit, () => respPoll({ status: "completed", data: [{ url: "https://blockrun.ai/media/vid_1.mp4", duration_seconds: 5 }] })];
+  quotedAmount = "400000";
+  const { call } = makeHarness();
+  const res = await call({ prompt: "a cube", model: "bytedance/seedance-2.0", image_url: "https://ok.example.com/a.png" });
+  assert.notEqual(res.isError, true, res.content?.[0]?.text);
+});
+
+test("an unreadable 402 amount aborts BEFORE signing — nothing signed, nothing booked", async () => {
+  for (const bad of ["garbage", "", "-5", 0, undefined, {}]) {
+    script = [resp402]; fetchCalls = 0; paymentsSigned = 0;
+    quotedAmount = bad;
+    const { call, budget } = makeHarness();
+    const res = await call({ prompt: "a cube", model: "xai/grok-imagine-video" });
+    const text = res.content.map((c: any) => c.text).join("\n");
+    assert.equal(res.isError, true, text);
+    assert.match(text, /unreadable amount/);
+    assert.match(text, /no charge was made/);
+    assert.equal(paymentsSigned, 0, `signed a payment for amount ${JSON.stringify(bad)}`);
+    assert.equal(fetchCalls, 1, "must stop after the quote — no paid submit");
+    assert.equal(budget.spent, 0, "reservation must be fully released");
+  }
+  quotedAmount = "400000";
+});
+
+test("a malformed completed poll still BOOKS the settled spend (the money already moved)", async () => {
+  // Poll answers completed with an empty data[] — the old path threw on the
+  // missing URL, the catch returned an error, and finally released the
+  // reservation: $0.40 gone on-chain, $0 in the ledger.
+  script = [resp402, respSubmit, () => respPoll({ status: "completed", data: [] })];
+  quotedAmount = "400000";
+  const { call, budget } = makeHarness();
+  const res = await call({ prompt: "a cube", model: "xai/grok-imagine-video" });
+  const text = res.content.map((c: any) => c.text).join("\n");
+  assert.equal(res.isError, true, "a payload with no clip URL is still an error for the caller");
+  assert.match(text, /missing video URL/);
+  assert.ok(Math.abs(budget.spent - 0.4) < 1e-9, `settled charge must stay booked: spent=${budget.spent}`);
+});
+
+test("the happy path books the settled amount exactly once", async () => {
+  script = [resp402, respSubmit, () => respPoll({ status: "completed", data: [{ url: "https://blockrun.ai/media/vid_1.mp4", duration_seconds: 8 }] })];
+  quotedAmount = "400000";
+  const { call, budget } = makeHarness();
+  const res = await call({ prompt: "a cube", model: "xai/grok-imagine-video" });
+  assert.notEqual(res.isError, true, res.content?.[0]?.text);
+  assert.equal(res.structuredContent.cost_usd, 0.4);
+  assert.ok(Math.abs(budget.spent - 0.4) < 1e-9, `booked once, not twice: spent=${budget.spent}`);
+});
+
+test("upstream failure before completion books nothing (no charge per gateway contract)", async () => {
+  script = [resp402, respSubmit, () => respPoll({ status: "failed", error: "render exploded" })];
+  quotedAmount = "400000";
+  const { call, budget } = makeHarness();
+  const res = await call({ prompt: "a cube", model: "xai/grok-imagine-video" });
+  assert.equal(res.isError, true);
+  assert.equal(budget.spent, 0, "failed jobs are not charged and must not be booked");
+});