diff --git a/packages/rs-platform-wallet/tests/e2e/cases/transfer.rs b/packages/rs-platform-wallet/tests/e2e/cases/transfer.rs
index aa5bf365b7..d76bfb5b20 100644
--- a/packages/rs-platform-wallet/tests/e2e/cases/transfer.rs
+++ b/packages/rs-platform-wallet/tests/e2e/cases/transfer.rs
@@ -33,17 +33,16 @@ use crate::framework::prelude::*;
 // the empirical chain-time ceiling sidesteps the bug until #3040
 // lands at the dpp layer.
 
-/// Gross credits the bank submits when funding `addr_1`. The bank
-/// uses `[ReduceOutput(0)]`, so addr_1 actually receives
-/// `FUNDING_CREDITS − bank_fee`. Sized well above the chain-time
-/// fee (~15M empirically) so addr_1 retains enough headroom to
-/// fund the test's own self-transfer (see #3040 comment above).
+/// Credits the bank delivers to `addr_1`. The bank uses
+/// `[DeductFromInput(0)]`, so addr_1 receives this exact amount;
+/// the bank's fee is absorbed by the bank's own input. Sized well
+/// above the chain-time fee (~15M empirically) so addr_1 has
+/// enough headroom for the self-transfer (see #3040 comment above).
 const FUNDING_CREDITS: u64 = 100_000_000;
 
-/// Lower bound on what addr_1 must receive after the bank's fee
-/// deduction before the test proceeds. Pinned well below the raw
-/// gross so the wait isn't sensitive to fee fluctuations across
-/// protocol versions.
+/// Safety floor for the addr_1 wait. Under `[DeductFromInput(0)]`
+/// addr_1 receives FUNDING_CREDITS exactly; the floor is kept as a
+/// guard against an empty/stale observation slipping through.
 const FUNDING_FLOOR: u64 = 70_000_000;
 
 /// Gross credits the test wallet submits in its self-transfer to
@@ -82,14 +81,19 @@ async fn transfer_between_two_platform_addresses() {
         .await
         .expect("derive addr_1");
 
+    // Snapshot bank balance before funding so we can derive the fee
+    // the bank's input actually paid (invisible to the test wallet).
+    let bank_pre = s.ctx.bank().total_credits().await;
+
     s.ctx
         .bank()
         .fund_address(&addr_1, FUNDING_CREDITS)
         .await
         .expect("bank.fund_address");
 
-    // Bank uses `[ReduceOutput(0)]`, so addr_1 receives
-    // `FUNDING_CREDITS − bank_fee`. Wait on the post-fee floor.
+    // Bank uses `[DeductFromInput(0)]`: addr_1 receives FUNDING_CREDITS
+    // exactly. Wait on the safety floor; the exact-amount assertion
+    // follows after the test wallet syncs.
     wait_for_balance(&s.test_wallet, &addr_1, FUNDING_FLOOR, STEP_TIMEOUT)
         .await
         .expect("addr_1 funding never observed");
@@ -116,9 +120,8 @@ async fn transfer_between_two_platform_addresses() {
         .await
         .expect("addr_2 transfer never observed");
 
-    // Re-sync so the cached view reflects post-transfer state across
-    // BOTH addresses, then derive bank- and transfer-fee shares from
-    // observed balances.
+    // Re-sync test wallet so the cached view reflects post-transfer
+    // state across BOTH addresses.
     s.test_wallet
         .sync_balances()
         .await
@@ -126,21 +129,29 @@ async fn transfer_between_two_platform_addresses() {
     let balances = s.test_wallet.balances().await;
     let received = balances.get(&addr_2).copied().unwrap_or(0);
     let remaining = balances.get(&addr_1).copied().unwrap_or(0);
-    let observed_total = received.saturating_add(remaining);
-    // Bank's `ReduceOutput(0)` charged its fee against addr_1's
-    // funding output: the wallet's total post-transfer is
-    // `FUNDING_CREDITS − bank_fee − transfer_fee`. Each fee is the
-    // amount each ReduceOutput step trimmed off its respective
-    // output; together they equal `FUNDING_CREDITS − observed_total`.
-    let total_fees = FUNDING_CREDITS.saturating_sub(observed_total);
     // The transfer fee is the share TRANSFER_CREDITS lost while
-    // crossing addr_1 -> addr_2.
+    // crossing addr_1 -> addr_2 via `[ReduceOutput(0)]`.
     let transfer_fee = TRANSFER_CREDITS.saturating_sub(received);
-    let bank_fee = total_fees.saturating_sub(transfer_fee);
+
+    // Resync the bank to get its post-funding balance, then derive
+    // the fee the bank's input absorbed under `[DeductFromInput(0)]`.
+    s.ctx
+        .bank()
+        .sync_balances()
+        .await
+        .expect("bank post-funding sync");
+    let bank_post = s.ctx.bank().total_credits().await;
+    // bank_pre - bank_post = FUNDING_CREDITS + bank_fee
+    let bank_fee = bank_pre
+        .saturating_sub(bank_post)
+        .saturating_sub(FUNDING_CREDITS);
+
     tracing::info!(
         target: "platform_wallet::e2e::cases::transfer",
         ?addr_1,
         ?addr_2,
+        bank_pre,
+        bank_post,
         funded = FUNDING_CREDITS,
         received,
         remaining,
@@ -149,14 +160,25 @@ async fn transfer_between_two_platform_addresses() {
         "post-transfer balance snapshot"
     );
 
-    assert!(
-        received >= TRANSFER_FLOOR,
-        "addr_2 must hold at least TRANSFER_FLOOR ({TRANSFER_FLOOR}); observed {received}"
+    // Under [ReduceOutput(0)], the protocol deducts the transfer fee
+    // from output[0] — addr_2's received amount — not from addr_1's
+    // residual. So addr_1 retains FUNDING_CREDITS - TRANSFER_CREDITS
+    // and addr_2 receives TRANSFER_CREDITS - transfer_fee.
+    assert_eq!(
+        remaining,
+        FUNDING_CREDITS - TRANSFER_CREDITS,
+        "addr_1 must retain FUNDING_CREDITS - TRANSFER_CREDITS \
+         (transfer_fee is deducted from addr_2's amount, not addr_1's residual). \
+         observed remaining={remaining} expected={}",
+        FUNDING_CREDITS - TRANSFER_CREDITS,
     );
-    assert!(
-        received < TRANSFER_CREDITS,
-        "addr_2 must hold less than TRANSFER_CREDITS ({TRANSFER_CREDITS}) \
-         after `ReduceOutput(0)` fee deduction; observed {received}"
+    assert_eq!(
+        received,
+        TRANSFER_CREDITS - transfer_fee,
+        "addr_2 must receive TRANSFER_CREDITS minus the transfer fee \
+         (ReduceOutput(0) deducts fee from the transferred amount). \
+         observed received={received} expected={}",
+        TRANSFER_CREDITS - transfer_fee,
     );
     assert!(
         transfer_fee > 0,
@@ -168,7 +190,8 @@ async fn transfer_between_two_platform_addresses() {
     );
     assert!(
         bank_fee > 0,
-        "bank funding must charge a non-zero fee (observed_total={observed_total})"
+        "bank funding must charge a non-zero fee to its own input \
+         (bank_pre={bank_pre} bank_post={bank_post} funded={FUNDING_CREDITS})"
     );
 
     s.teardown().await.expect("teardown");
diff --git a/packages/rs-platform-wallet/tests/e2e/framework/bank.rs b/packages/rs-platform-wallet/tests/e2e/framework/bank.rs
index 0dade6e17d..c953e18d13 100644
--- a/packages/rs-platform-wallet/tests/e2e/framework/bank.rs
+++ b/packages/rs-platform-wallet/tests/e2e/framework/bank.rs
@@ -25,9 +25,7 @@ use tokio::sync::Mutex as AsyncMutex;
 use simple_signer::signer::SimpleSigner;
 
 use super::config::Config;
-use super::wallet_factory::{
-    default_fee_strategy, DEFAULT_ACCOUNT_INDEX_PUB, DEFAULT_KEY_CLASS_PUB,
-};
+use super::wallet_factory::{bank_fee_strategy, DEFAULT_ACCOUNT_INDEX_PUB, DEFAULT_KEY_CLASS_PUB};
 use super::{make_platform_signer, FrameworkError, FrameworkResult};
 
 /// In-process funding mutex — serialises concurrent
@@ -153,6 +151,13 @@ impl BankWallet {
     /// Fund `target` with `credits` from the bank's primary
     /// account.
     ///
+    /// Recipients receive the **exact** `credits` amount; the fee
+    /// is deducted from the bank's input via
+    /// [`bank_fee_strategy`]. The bank therefore consumes
+    /// `credits + fee` from its own platform-addresses pool —
+    /// verify the bank balance is sufficiently above
+    /// `min_bank_credits` before calling.
+    ///
     /// Submits the transfer immediately and returns the resulting
     /// [`PlatformAddressChangeSet`]. Does NOT wait for the chain to
     /// observe the credit — callers follow up with
@@ -173,7 +178,7 @@ impl BankWallet {
                 DEFAULT_ACCOUNT_INDEX_PUB,
                 InputSelection::Auto,
                 outputs,
-                default_fee_strategy(),
+                bank_fee_strategy(),
                 Some(PlatformVersion::latest()),
                 &self.signer,
             )
diff --git a/packages/rs-platform-wallet/tests/e2e/framework/wallet_factory.rs b/packages/rs-platform-wallet/tests/e2e/framework/wallet_factory.rs
index 9c37f3fc6c..450d081392 100644
--- a/packages/rs-platform-wallet/tests/e2e/framework/wallet_factory.rs
+++ b/packages/rs-platform-wallet/tests/e2e/framework/wallet_factory.rs
@@ -418,6 +418,21 @@ pub(crate) fn default_fee_strategy() -> AddressFundsFeeStrategy {
     vec![AddressFundsFeeStrategyStep::ReduceOutput(0)]
 }
 
+/// Bank-funding fee strategy: deduct fee from input #0 so the
+/// recipient receives the **exact** requested amount.
+///
+/// Used by [`super::bank::BankWallet::fund_address`] so
+/// downstream calls — e.g. `register_identity_from_addresses(
+/// {addr: N}, ...)` — don't have to compensate for fee
+/// deduction at the recipient.
+///
+/// Tests that need the alternative `ReduceOutput(0)` semantics
+/// (e.g. PA-002b verifying `Σ outputs + fee == input balance`)
+/// should call [`default_fee_strategy`] explicitly.
+pub(crate) fn bank_fee_strategy() -> AddressFundsFeeStrategy {
+    vec![AddressFundsFeeStrategyStep::DeductFromInput(0)]
+}
+
 /// Rebalance an explicit-input map so its sum equals `Σ outputs`.
 ///
 /// `AddressFundsTransferTransition` validation rejects with