diff --git a/app/Actions/Ai/StartCategorizationBackfill.php b/app/Actions/Ai/StartCategorizationBackfill.php
new file mode 100644
index 00000000..b8506b66
--- /dev/null
+++ b/app/Actions/Ai/StartCategorizationBackfill.php
@@ -0,0 +1,49 @@
+<?php
+
+namespace App\Actions\Ai;
+
+use App\Jobs\CategorizeUncategorizedTransactionsJob;
+use App\Models\Transaction;
+use App\Models\User;
+use App\Services\Ai\AiCategorizationGate;
+use Illuminate\Support\Facades\Cache;
+use Illuminate\Support\Str;
+
+class StartCategorizationBackfill
+{
+    public function __construct(private readonly AiCategorizationGate $gate) {}
+
+    /**
+     * Dispatch a categorization backfill when the user is eligible and has
+     * something to categorize, seeding the progress cache the client polls.
+     *
+     * @return array{job_id: string, total: int}|null
+     */
+    public function handle(User $user): ?array
+    {
+        if (! $this->gate->allows($user)) {
+            return null;
+        }
+
+        $total = Transaction::query()
+            ->where('user_id', $user->id)
+            ->pendingAiCategorization()
+            ->count();
+
+        if ($total === 0) {
+            return null;
+        }
+
+        $jobId = (string) Str::uuid();
+
+        Cache::put(
+            CategorizeUncategorizedTransactionsJob::cacheKeyForJobId($jobId),
+            ['status' => 'pending', 'processed' => 0, 'total' => $total, 'applied' => 0],
+            now()->addHour(),
+        );
+
+        CategorizeUncategorizedTransactionsJob::dispatch($user, $jobId);
+
+        return ['job_id' => $jobId, 'total' => $total];
+    }
+}
diff --git a/app/Features/AiConsentSettings.php b/app/Features/AiConsentSettings.php
new file mode 100644
index 00000000..92049d47
--- /dev/null
+++ b/app/Features/AiConsentSettings.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace App\Features;
+
+use App\Models\User;
+
+/**
+ * @api
+ */
+class AiConsentSettings
+{
+    /**
+     * Resolve the feature's initial value.
+     *
+     * Off by default; enable per user with
+     * `php artisan feature:enable AiConsentSettings user@example.com`
+     * to surface AI consent management outside of onboarding (billing
+     * settings toggle + transactions banner).
+     */
+    public function resolve(?User $user): bool
+    {
+        return false;
+    }
+}
diff --git a/app/Http/Controllers/Ai/AiConsentController.php b/app/Http/Controllers/Ai/AiConsentController.php
index 5185cc2f..792df759 100644
--- a/app/Http/Controllers/Ai/AiConsentController.php
+++ b/app/Http/Controllers/Ai/AiConsentController.php
@@ -2,6 +2,7 @@
 
 namespace App\Http\Controllers\Ai;
 
+use App\Actions\Ai\StartCategorizationBackfill;
 use App\Http\Controllers\Controller;
 use Illuminate\Http\JsonResponse;
 use Illuminate\Http\Request;
@@ -9,13 +10,18 @@ use Illuminate\Http\Request;
 class AiConsentController extends Controller
 {
     /**
-     * Record the user's broad "use AI to help understand my finances" consent.
+     * Record the user's broad "use AI to help understand my finances" consent
+     * and kick off a backfill of their uncategorized transactions.
      */
-    public function store(Request $request): JsonResponse
+    public function store(Request $request, StartCategorizationBackfill $startBackfill): JsonResponse
     {
-        $request->user()->recordAiConsent();
+        $user = $request->user();
+        $user->recordAiConsent();
 
-        return response()->json(['consented' => true]);
+        return response()->json([
+            'consented' => true,
+            'categorization' => $startBackfill->handle($user),
+        ]);
     }
 
     /**
diff --git a/app/Http/Controllers/Ai/CategorizationController.php b/app/Http/Controllers/Ai/CategorizationController.php
new file mode 100644
index 00000000..7c705d3b
--- /dev/null
+++ b/app/Http/Controllers/Ai/CategorizationController.php
@@ -0,0 +1,25 @@
+<?php
+
+namespace App\Http\Controllers\Ai;
+
+use App\Http\Controllers\Controller;
+use App\Jobs\CategorizeUncategorizedTransactionsJob;
+use Illuminate\Http\JsonResponse;
+use Illuminate\Support\Facades\Cache;
+
+class CategorizationController extends Controller
+{
+    /**
+     * Return current progress for a consent-triggered categorization backfill.
+     */
+    public function status(string $jobId): JsonResponse
+    {
+        $progress = Cache::get(CategorizeUncategorizedTransactionsJob::cacheKeyForJobId($jobId));
+
+        if ($progress === null) {
+            return response()->json(['message' => 'Job not found.'], 404);
+        }
+
+        return response()->json($progress);
+    }
+}
diff --git a/app/Http/Controllers/SubscriptionController.php b/app/Http/Controllers/SubscriptionController.php
index 88d588e1..fec16c43 100644
--- a/app/Http/Controllers/SubscriptionController.php
+++ b/app/Http/Controllers/SubscriptionController.php
@@ -176,7 +176,9 @@ class SubscriptionController extends Controller
             return redirect()->route('dashboard');
         }
 
-        return Inertia::render('settings/billing');
+        return Inertia::render('settings/billing', [
+            'hasAiConsent' => $request->user()->hasActiveAiConsent(),
+        ]);
     }
 
     public function billingPortal(Request $request): RedirectResponse
diff --git a/app/Http/Controllers/TransactionController.php b/app/Http/Controllers/TransactionController.php
index e4087fb3..074bcddf 100644
--- a/app/Http/Controllers/TransactionController.php
+++ b/app/Http/Controllers/TransactionController.php
@@ -127,6 +127,7 @@ class TransactionController extends Controller
             'banks' => $banks,
             'labels' => $labels,
             'automationRules' => $automationRules,
+            'hasAiConsent' => $user->hasActiveAiConsent(),
         ]);
     }
 
diff --git a/app/Http/Middleware/HandleInertiaRequests.php b/app/Http/Middleware/HandleInertiaRequests.php
index 6750e4d0..a2477c80 100644
--- a/app/Http/Middleware/HandleInertiaRequests.php
+++ b/app/Http/Middleware/HandleInertiaRequests.php
@@ -4,6 +4,7 @@ namespace App\Http\Middleware;
 
 use App\Enums\BankingConnectionStatus;
 use App\Enums\BankingProvider;
+use App\Features\AiConsentSettings;
 use App\Features\CalculateBalancesOnImport;
 use App\Features\InteractiveBrokers;
 use App\Models\BankingConnection;
@@ -180,18 +181,21 @@ class HandleInertiaRequests extends Middleware
                 'cashflow' => true,
                 'calculateBalancesOnImport' => false,
                 'interactiveBrokers' => false,
+                'aiConsentSettings' => false,
             ];
         }
 
         $features = Feature::for($user)->values([
             CalculateBalancesOnImport::class,
             InteractiveBrokers::class,
+            AiConsentSettings::class,
         ]);
 
         return [
             'cashflow' => true,
             'calculateBalancesOnImport' => $features[CalculateBalancesOnImport::class] !== false,
             'interactiveBrokers' => $features[InteractiveBrokers::class] !== false,
+            'aiConsentSettings' => $features[AiConsentSettings::class] !== false,
         ];
     }
 
diff --git a/app/Jobs/CategorizeOnboardingTransactionsJob.php b/app/Jobs/CategorizeOnboardingTransactionsJob.php
index 1035a261..76813122 100644
--- a/app/Jobs/CategorizeOnboardingTransactionsJob.php
+++ b/app/Jobs/CategorizeOnboardingTransactionsJob.php
@@ -2,12 +2,10 @@
 
 namespace App\Jobs;
 
-use App\Models\Transaction;
 use App\Models\User;
 use App\Services\Ai\AiCategorizationGate;
 use App\Services\Ai\AiCategorizer;
 use Illuminate\Contracts\Queue\ShouldQueue;
-use Illuminate\Database\Eloquent\Collection;
 use Illuminate\Foundation\Queue\Queueable;
 
 /**
@@ -40,24 +38,6 @@ class CategorizeOnboardingTransactionsJob implements ShouldQueue
             return;
         }
 
-        $pendingIds = Transaction::query()
-            ->where('user_id', $this->user->id)
-            ->whereNull('category_id')
-            ->whereNull('description_iv')
-            ->pluck('id');
-
-        if ($pendingIds->isEmpty()) {
-            return;
-        }
-
-        $batchSize = max(1, (int) config('ai_categorization.group_batch_size'));
-
-        // Chunk a fixed snapshot of ids so transactions left blank (below the
-        // confidence bar) are never re-processed on a later iteration.
-        foreach ($pendingIds->chunk($batchSize) as $chunkIds) {
-            $chunk = Transaction::query()->whereIn('id', $chunkIds->all())->get();
-
-            $categorizer->run($this->user, new Collection($chunk->all()));
-        }
+        $categorizer->backfill($this->user);
     }
 }
diff --git a/app/Jobs/CategorizeUncategorizedTransactionsJob.php b/app/Jobs/CategorizeUncategorizedTransactionsJob.php
new file mode 100644
index 00000000..07ce36c2
--- /dev/null
+++ b/app/Jobs/CategorizeUncategorizedTransactionsJob.php
@@ -0,0 +1,97 @@
+<?php
+
+namespace App\Jobs;
+
+use App\Models\User;
+use App\Services\Ai\AiCategorizationGate;
+use App\Services\Ai\AiCategorizer;
+use Illuminate\Contracts\Queue\ShouldQueue;
+use Illuminate\Foundation\Queue\Queueable;
+use Illuminate\Support\Facades\Cache;
+use Throwable;
+
+/**
+ * Categorize every uncategorized transaction for a user who has just granted AI
+ * consent outside of onboarding. Progress is written to the cache so the
+ * transactions page can poll it and surface live progress while the batch runs.
+ *
+ * ponytail: mirrors CategorizeOnboardingTransactionsJob's selection + chunking;
+ * kept separate so the onboarding pass stays progress-free. Fold the two
+ * together if a third caller ever needs the same loop.
+ */
+class CategorizeUncategorizedTransactionsJob implements ShouldQueue
+{
+    use Queueable;
+
+    /**
+     * A backfill can span many model calls, so give the batch plenty of room.
+     */
+    public int $timeout = 300;
+
+    /**
+     * Re-running a partially completed backfill resets progress and re-bills the
+     * model, so never retry — surface the failure to the client instead.
+     */
+    public int $tries = 1;
+
+    public function __construct(public User $user, public string $jobId) {}
+
+    public function viaQueue(): string
+    {
+        return (string) config('ai_categorization.queue');
+    }
+
+    public static function cacheKeyForJobId(string $jobId): string
+    {
+        return "categorize_transactions_job_{$jobId}";
+    }
+
+    public function handle(AiCategorizationGate $gate, AiCategorizer $categorizer): void
+    {
+        if (! $gate->allows($this->user)) {
+            $this->updateProgress('done', 0, 0, 0);
+
+            return;
+        }
+
+        $result = $categorizer->backfill(
+            $this->user,
+            fn (int $processed, int $total, int $applied) => $this->updateProgress('processing', $processed, $total, $applied),
+        );
+
+        $this->updateProgress('done', $result['processed'], $result['total'], $result['applied']);
+    }
+
+    /**
+     * Mark the run as failed so the polling client stops waiting instead of
+     * spinning until the cache entry expires.
+     */
+    public function failed(?Throwable $exception): void
+    {
+        $progress = Cache::get(self::cacheKeyForJobId($this->jobId), [
+            'processed' => 0,
+            'total' => 0,
+            'applied' => 0,
+        ]);
+
+        $this->updateProgress(
+            'failed',
+            $progress['processed'] ?? 0,
+            $progress['total'] ?? 0,
+            $progress['applied'] ?? 0,
+        );
+    }
+
+    /**
+     * @param  'processing'|'done'|'failed'  $status
+     */
+    private function updateProgress(string $status, int $processed, int $total, int $applied): void
+    {
+        Cache::put(self::cacheKeyForJobId($this->jobId), [
+            'status' => $status,
+            'processed' => $processed,
+            'total' => $total,
+            'applied' => $applied,
+        ], now()->addHour());
+    }
+}
diff --git a/app/Models/Transaction.php b/app/Models/Transaction.php
index b3def01d..1273f4cb 100644
--- a/app/Models/Transaction.php
+++ b/app/Models/Transaction.php
@@ -162,6 +162,18 @@ class Transaction extends Model
         return $this->hasMany(BudgetTransaction::class);
     }
 
+    /**
+     * Transactions the AI backfill can act on: still uncategorized and stored
+     * in plaintext (encrypted descriptions are never sent to the AI provider).
+     *
+     * @param  Builder<Transaction>  $query
+     * @return Builder<Transaction>
+     */
+    public function scopePendingAiCategorization(Builder $query): Builder
+    {
+        return $query->whereNull('category_id')->whereNull('description_iv');
+    }
+
     /**
      * @param  Builder<Transaction>  $query
      * @param  array<string, mixed>  $filters
diff --git a/app/Services/Ai/AiCategorizer.php b/app/Services/Ai/AiCategorizer.php
index a087c83f..2256461e 100644
--- a/app/Services/Ai/AiCategorizer.php
+++ b/app/Services/Ai/AiCategorizer.php
@@ -33,4 +33,48 @@ class AiCategorizer
 
         return $outcomes;
     }
+
+    /**
+     * Categorize every transaction still awaiting AI categorization for the
+     * user, most recent first. A fixed snapshot of ids is chunked so rows left
+     * blank (below the confidence bar) are never re-processed. The optional
+     * $onProgress callback is invoked once up-front and after each batch with
+     * (processed, total, applied) so callers can report live progress.
+     *
+     * @param  (callable(int, int, int): void)|null  $onProgress
+     * @return array{processed: int, total: int, applied: int}
+     */
+    public function backfill(User $user, ?callable $onProgress = null): array
+    {
+        $pendingIds = Transaction::query()
+            ->where('user_id', $user->id)
+            ->pendingAiCategorization()
+            ->orderByDesc('transaction_date')
+            ->orderByDesc('id')
+            ->pluck('id');
+
+        $total = $pendingIds->count();
+        $processed = 0;
+        $applied = 0;
+
+        if ($onProgress !== null) {
+            $onProgress($processed, $total, $applied);
+        }
+
+        $batchSize = max(1, (int) config('ai_categorization.group_batch_size'));
+
+        foreach ($pendingIds->chunk($batchSize) as $chunkIds) {
+            $chunk = Transaction::query()->whereIn('id', $chunkIds->all())->get();
+
+            $outcomes = $this->run($user, $chunk);
+            $applied += count(array_filter($outcomes, fn (CategorizationOutcome $outcome): bool => $outcome->applied));
+            $processed += $chunkIds->count();
+
+            if ($onProgress !== null) {
+                $onProgress($processed, $total, $applied);
+            }
+        }
+
+        return ['processed' => $processed, 'total' => $total, 'applied' => $applied];
+    }
 }
diff --git a/composer.json b/composer.json
index 8c684e80..e37588e4 100644
--- a/composer.json
+++ b/composer.json
@@ -64,12 +64,12 @@
         ],
         "dev": [
             "Composer\\Config::disableProcessTimeout",
-            "URL=$(npx --no-install portless get dev.whisper.money 2>/dev/null); if [ -n \"$URL\" ]; then if command -v pbcopy >/dev/null 2>&1; then printf %s \"$URL\" | pbcopy; elif command -v wl-copy >/dev/null 2>&1; then printf %s \"$URL\" | wl-copy; elif command -v xclip >/dev/null 2>&1; then printf %s \"$URL\" | xclip -selection clipboard; fi; echo \"\u2713 $URL copied to clipboard\"; fi; PORT=$(awk 'BEGIN{srand(); print 8000 + int(rand()*1000)}'); npx concurrently -c \"#93c5fd,#c4b5fd,#fb7185,#fdba74,#2dd4bf\" \"npx portless run --name dev.whisper.money --app-port $PORT php artisan serve --port=$PORT\" \"php artisan queue:listen --tries=1 --queue=emails\" \"php artisan pail --timeout=0\" \"bun run dev\" \"stripe listen --forward-to https://dev.whisper.money.localhost/stripe/webhook\" --names=server,emails-queue,logs,vite,stripe"
+            "URL=$(npx --no-install portless get dev.whisper.money 2>/dev/null); if [ -n \"$URL\" ]; then if command -v pbcopy >/dev/null 2>&1; then printf %s \"$URL\" | pbcopy; elif command -v wl-copy >/dev/null 2>&1; then printf %s \"$URL\" | wl-copy; elif command -v xclip >/dev/null 2>&1; then printf %s \"$URL\" | xclip -selection clipboard; fi; echo \"\u2713 $URL copied to clipboard\"; fi; PORT=$(awk 'BEGIN{srand(); print 8000 + int(rand()*1000)}'); npx concurrently -c \"#93c5fd,#c4b5fd,#fb7185,#fdba74,#2dd4bf\" \"npx portless run --name dev.whisper.money --app-port $PORT php artisan serve --port=$PORT\" \"php artisan queue:listen --tries=1 --queue=emails,ai\" \"php artisan pail --timeout=0\" \"bun run dev\" \"stripe listen --forward-to https://dev.whisper.money.localhost/stripe/webhook\" --names=server,queue,logs,vite,stripe"
         ],
         "dev:ssr": [
             "bun run build:ssr",
             "Composer\\Config::disableProcessTimeout",
-            "PORT=$(awk 'BEGIN{srand(); print 8000 + int(rand()*1000)}'); npx concurrently -c \"#93c5fd,#c4b5fd,#fb7185,#fdba74,#2dd4bf\" \"npx portless run --name dev.whisper.money --app-port $PORT php artisan serve --port=$PORT\" \"php artisan queue:listen --tries=1 --queue=emails\" \"php artisan pail --timeout=0\" \"php artisan inertia:start-ssr --runtime=bun\" --names=server,emails-queue,logs,ssr,stripe --kill-others"
+            "PORT=$(awk 'BEGIN{srand(); print 8000 + int(rand()*1000)}'); npx concurrently -c \"#93c5fd,#c4b5fd,#fb7185,#fdba74,#2dd4bf\" \"npx portless run --name dev.whisper.money --app-port $PORT php artisan serve --port=$PORT\" \"php artisan queue:listen --tries=1 --queue=emails,ai\" \"php artisan pail --timeout=0\" \"php artisan inertia:start-ssr --runtime=bun\" --names=server,queue,logs,ssr,stripe --kill-others"
         ],
         "test": [
             "@php artisan config:clear --ansi",
diff --git a/lang/es.json b/lang/es.json
index 70129d58..01352d15 100644
--- a/lang/es.json
+++ b/lang/es.json
@@ -1,4 +1,18 @@
 {
+    "AI Categorization": "Categorización con IA",
+    "Let AI suggest categories for your transactions automatically.": "Deja que la IA sugiera categorías para tus transacciones automáticamente.",
+    "Allow AI categorization": "Permitir categorización con IA",
+    "You can give consent now, but AI categorization only runs while you have a paid plan.": "Puedes dar tu consentimiento ahora, pero la categorización con IA solo funciona mientras tengas un plan de pago.",
+    "With your permission, we send merchant names from your transactions to our AI provider so it can suggest categories. You can revoke this at any time.": "Con tu permiso, enviamos los nombres de los comercios de tus transacciones a nuestro proveedor de IA para que pueda sugerir categorías. Puedes revocarlo en cualquier momento.",
+    "AI categorization enabled": "Categorización con IA activada",
+    "AI categorization disabled": "Categorización con IA desactivada",
+    "Let AI categorize your transactions": "Deja que la IA categorice tus transacciones",
+    "Give your consent and our AI will suggest categories for your transactions automatically.": "Da tu consentimiento y nuestra IA sugerirá categorías para tus transacciones automáticamente.",
+    "Enable AI": "Activar IA",
+    "Categorizing…": "Categorizando…",
+    "Categorizing :processed of :total transactions…": "Categorizando :processed de :total transacciones…",
+    "AI categorized :count transactions": "La IA categorizó :count transacciones",
+    "AI categorization failed. Please try again.": "La categorización con IA falló. Inténtalo de nuevo.",
     "Drag to reorder": "Arrastra para reordenar",
     "Manage Accounts": "Gestionar cuentas",
     "Choose which accounts from this bank are synced and where their transactions go.": "Elige qué cuentas de este banco se sincronizan y a dónde van sus transacciones.",
diff --git a/lang/fr.json b/lang/fr.json
index 0bedf950..2e5b60c9 100644
--- a/lang/fr.json
+++ b/lang/fr.json
@@ -1,4 +1,18 @@
 {
+    "AI Categorization": "Catégorisation par IA",
+    "Let AI suggest categories for your transactions automatically.": "Laissez l'IA suggérer automatiquement des catégories pour vos transactions.",
+    "Allow AI categorization": "Autoriser la catégorisation par IA",
+    "You can give consent now, but AI categorization only runs while you have a paid plan.": "Vous pouvez donner votre consentement maintenant, mais la catégorisation par IA ne fonctionne que tant que vous avez un forfait payant.",
+    "With your permission, we send merchant names from your transactions to our AI provider so it can suggest categories. You can revoke this at any time.": "Avec votre permission, nous envoyons les noms des commerçants de vos transactions à notre fournisseur d'IA afin qu'il puisse suggérer des catégories. Vous pouvez révoquer cela à tout moment.",
+    "AI categorization enabled": "Catégorisation par IA activée",
+    "AI categorization disabled": "Catégorisation par IA désactivée",
+    "Let AI categorize your transactions": "Laissez l'IA catégoriser vos transactions",
+    "Give your consent and our AI will suggest categories for your transactions automatically.": "Donnez votre consentement et notre IA suggérera automatiquement des catégories pour vos transactions.",
+    "Enable AI": "Activer l'IA",
+    "Categorizing…": "Catégorisation…",
+    "Categorizing :processed of :total transactions…": "Catégorisation de :processed sur :total transactions…",
+    "AI categorized :count transactions": "L'IA a catégorisé :count transactions",
+    "AI categorization failed. Please try again.": "La catégorisation par IA a échoué. Veuillez réessayer.",
     "Manage Accounts": "Gérer les comptes",
     "Choose which accounts from this bank are synced and where their transactions go.": "Choisissez quels comptes de cette banque sont synchronisés et où vont leurs transactions.",
     "No accounts are syncing yet.": "Aucun compte n'est encore synchronisé.",
diff --git a/resources/js/components/transactions/category-cell.tsx b/resources/js/components/transactions/category-cell.tsx
index fbaac1a5..044a779a 100644
--- a/resources/js/components/transactions/category-cell.tsx
+++ b/resources/js/components/transactions/category-cell.tsx
@@ -1,6 +1,7 @@
 import { showsAiUpsell } from '@/components/transactions/ai-upsell-sample';
 import { CategorySelect } from '@/components/transactions/category-select';
 import { AiSparkleIcon } from '@/components/ui/ai-sparkle-icon';
+import { Spinner } from '@/components/ui/spinner';
 import {
     Tooltip,
     TooltipContent,
@@ -32,6 +33,8 @@ interface CategoryCellProps {
     ) => void;
     className?: string;
     withoutChevronIcon?: boolean;
+    /** AI is currently categorizing this row in the background. */
+    isCategorizing?: boolean;
 }
 
 export function CategoryCell({
@@ -43,6 +46,7 @@ export function CategoryCell({
     onCategorized,
     className,
     withoutChevronIcon,
+    isCategorizing,
 }: CategoryCellProps) {
     const [isUpdating, setIsUpdating] = useState(false);
     const isMobile = useIsMobile();
@@ -160,6 +164,20 @@ export function CategoryCell({
         </TooltipProvider>
     );
 
+    if (isCategorizing) {
+        return (
+            <div
+                className={cn(
+                    'flex w-full animate-pulse items-center gap-2 text-muted-foreground',
+                    className,
+                )}
+            >
+                <Spinner className="size-4 shrink-0" />
+                <span className="truncate text-sm">{__('Categorizing…')}</span>
+            </div>
+        );
+    }
+
     return (
         <div className="flex w-full items-center gap-1">
             <div className="min-w-0 flex-1">
diff --git a/resources/js/components/transactions/transaction-columns.tsx b/resources/js/components/transactions/transaction-columns.tsx
index 700e8358..5c9a2499 100644
--- a/resources/js/components/transactions/transaction-columns.tsx
+++ b/resources/js/components/transactions/transaction-columns.tsx
@@ -43,6 +43,8 @@ interface CreateColumnsOptions {
     ) => void;
     onReEvaluateRules: (transaction: DecryptedTransaction) => void;
     isDateHidden?: boolean;
+    /** Ids of transactions AI is categorizing in the background right now. */
+    categorizingIds?: Set<string>;
 }
 
 export function createTransactionColumns({
@@ -57,6 +59,7 @@ export function createTransactionColumns({
     onCategorized,
     onReEvaluateRules,
     isDateHidden = false,
+    categorizingIds,
 }: CreateColumnsOptions): ColumnDef<DecryptedTransaction>[] {
     return [
         {
@@ -154,6 +157,7 @@ export function createTransactionColumns({
                         onCategorized={onCategorized}
                         className="relative -top-0.5 max-w-[150px] md:max-w-[180px]"
                         withoutChevronIcon
+                        isCategorizing={categorizingIds?.has(row.original.id)}
                     />
                 );
             },
diff --git a/resources/js/components/ui/data-table.tsx b/resources/js/components/ui/data-table.tsx
index 6d7b24db..e84a4bcd 100644
--- a/resources/js/components/ui/data-table.tsx
+++ b/resources/js/components/ui/data-table.tsx
@@ -41,6 +41,8 @@ interface DataTableProps<TData, TValue> {
     ) => React.ReactNode;
     getRowDate?: (row: TData) => string;
     maxHeight?: number;
+    /** Static content pinned as the first row of the table body, spanning all columns. */
+    topRow?: React.ReactNode;
 }
 
 export function DataTable<TData, TValue>({
@@ -51,6 +53,7 @@ export function DataTable<TData, TValue>({
     renderDateHeader,
     getRowDate,
     maxHeight,
+    topRow,
 }: DataTableProps<TData, TValue>) {
     const tableContainerRef = useRef<HTMLDivElement>(null);
     const rows = table.getRowModel().rows;
@@ -121,6 +124,16 @@ export function DataTable<TData, TValue>({
                         ))}
                     </TableHeader>
                     <TableBody>
+                        {topRow && (
+                            <TableRow className="hover:bg-transparent">
+                                <TableCell
+                                    colSpan={visibleColumnCount}
+                                    className="p-0 whitespace-normal"
+                                >
+                                    {topRow}
+                                </TableCell>
+                            </TableRow>
+                        )}
                         {rows.length ? (
                             <>
                                 {paddingTop > 0 && (
diff --git a/resources/js/hooks/use-poll-job-status.ts b/resources/js/hooks/use-poll-job-status.ts
new file mode 100644
index 00000000..7533d865
--- /dev/null
+++ b/resources/js/hooks/use-poll-job-status.ts
@@ -0,0 +1,54 @@
+import { useCallback, useEffect, useRef } from 'react';
+
+/**
+ * Self-rescheduling poll loop for background-job status endpoints. The hook owns
+ * the timer and tears it down on unmount (or when a new poll starts); the caller
+ * provides a `tick` that does the request and returns `'continue'` to keep
+ * polling or `'stop'` to finish. A throwing `tick` stops the loop.
+ */
+export function usePollJobStatus() {
+    const timerRef = useRef<ReturnType<typeof setTimeout>>(undefined);
+    const activeRef = useRef(false);
+
+    const stop = useCallback(() => {
+        activeRef.current = false;
+        if (timerRef.current) {
+            clearTimeout(timerRef.current);
+            timerRef.current = undefined;
+        }
+    }, []);
+
+    const start = useCallback(
+        (tick: () => Promise<'continue' | 'stop'>, intervalMs = 2000) => {
+            stop();
+            activeRef.current = true;
+
+            const run = async () => {
+                if (!activeRef.current) {
+                    return;
+                }
+
+                let result: 'continue' | 'stop';
+                try {
+                    result = await tick();
+                } catch {
+                    result = 'stop';
+                }
+
+                if (!activeRef.current || result === 'stop') {
+                    activeRef.current = false;
+                    return;
+                }
+
+                timerRef.current = setTimeout(run, intervalMs);
+            };
+
+            run();
+        },
+        [stop],
+    );
+
+    useEffect(() => stop, [stop]);
+
+    return { start, stop };
+}
diff --git a/resources/js/pages/settings/billing.tsx b/resources/js/pages/settings/billing.tsx
index 8ecc4d83..7f51c236 100644
--- a/resources/js/pages/settings/billing.tsx
+++ b/resources/js/pages/settings/billing.tsx
@@ -1,9 +1,15 @@
 import HeadingSmall from '@/components/heading-small';
 import { Alert, AlertDescription } from '@/components/ui/alert';
+import { Badge } from '@/components/ui/badge';
 import { Button } from '@/components/ui/button';
+import { Checkbox } from '@/components/ui/checkbox';
 import AppLayout from '@/layouts/app-layout';
 import SettingsLayout from '@/layouts/settings/layout';
 import { cn } from '@/lib/utils';
+import {
+    destroy as revokeConsent,
+    store as storeConsent,
+} from '@/routes/ai/consent';
 import { billing } from '@/routes/settings';
 import { portal } from '@/routes/settings/billing';
 import { checkout } from '@/routes/subscribe';
@@ -12,6 +18,7 @@ import { Plan } from '@/types/pricing';
 import { formatCurrency } from '@/utils/currency';
 import { __ } from '@/utils/i18n';
 import { Head, usePage } from '@inertiajs/react';
+import axios from 'axios';
 import {
     CheckIcon,
     CreditCardIcon,
@@ -23,6 +30,7 @@ import {
     ZapIcon,
 } from 'lucide-react';
 import { useState } from 'react';
+import { toast } from 'sonner';
 
 const breadcrumbs: BreadcrumbItem[] = [
     {
@@ -298,8 +306,96 @@ function SubscribedSection({
     );
 }
 
+function AiConsentSection({
+    initialConsent,
+    hasProPlan,
+}: {
+    initialConsent: boolean;
+    hasProPlan: boolean;
+}) {
+    const [consented, setConsented] = useState(initialConsent);
+    const [saving, setSaving] = useState(false);
+
+    const handleToggle = async (checked: boolean) => {
+        setSaving(true);
+        try {
+            if (checked) {
+                await axios.post(storeConsent.url());
+            } else {
+                await axios.delete(revokeConsent.url());
+            }
+            setConsented(checked);
+            toast.success(
+                checked
+                    ? __('AI categorization enabled')
+                    : __('AI categorization disabled'),
+            );
+        } catch {
+            toast.error(__('Something went wrong.'));
+        } finally {
+            setSaving(false);
+        }
+    };
+
+    return (
+        <div className="space-y-6">
+            <header>
+                <div className="mb-0.5 flex items-center gap-2">
+                    <h3 className="text-base font-medium">
+                        {__('AI Categorization')}
+                    </h3>
+                    <Badge
+                        variant="secondary"
+                        className="bg-amber-100 text-amber-700 dark:bg-amber-900/30 dark:text-amber-400"
+                    >
+                        PRO
+                    </Badge>
+                </div>
+                <p className="text-sm text-muted-foreground">
+                    {__(
+                        'Let AI suggest categories for your transactions automatically.',
+                    )}
+                </p>
+            </header>
+
+            <div className="rounded-lg border bg-card p-5">
+                <label className="flex items-start gap-3">
+                    <Checkbox
+                        checked={consented}
+                        disabled={saving}
+                        onCheckedChange={(checked) =>
+                            handleToggle(checked === true)
+                        }
+                        className="mt-0.5"
+                    />
+                    <div>
+                        <span className="font-medium">
+                            {__('Allow AI categorization')}
+                        </span>
+                        <p className="mt-1 text-sm text-muted-foreground">
+                            {__(
+                                'With your permission, we send merchant names from your transactions to our AI provider so it can suggest categories. You can revoke this at any time.',
+                            )}
+                        </p>
+                    </div>
+                </label>
+
+                {!hasProPlan && (
+                    <p className="mt-3 border-t pt-3 text-sm text-amber-600 dark:text-amber-400">
+                        {__(
+                            'You can give consent now, but AI categorization only runs while you have a paid plan.',
+                        )}
+                    </p>
+                )}
+            </div>
+        </div>
+    );
+}
+
 export default function Billing() {
-    const { auth, pricing, locale } = usePage<SharedData>().props;
+    const { auth, pricing, locale, features, hasAiConsent } = usePage<
+        SharedData & { hasAiConsent: boolean }
+    >().props;
     const isDemoAccount = auth?.isDemoAccount ?? false;
     const hasProPlan = auth?.hasProPlan ?? false;
     const planEntries = Object.entries(pricing.plans);
@@ -310,21 +406,30 @@ export default function Billing() {
             <Head title={__('Manage Plan')} />
 
             <SettingsLayout>
-                {hasProPlan ? (
-                    <SubscribedSection
-                        isDemoAccount={isDemoAccount}
-                        defaultPlan={defaultPlan}
-                        currency={pricing.currency}
-                        locale={locale}
-                    />
-                ) : (
-                    <UpgradeSection
-                        planEntries={planEntries}
-                        defaultPlan={pricing.defaultPlan}
-                        currency={pricing.currency}
-                        locale={locale}
-                    />
-                )}
+                <div className="space-y-8">
+                    {hasProPlan ? (
+                        <SubscribedSection
+                            isDemoAccount={isDemoAccount}
+                            defaultPlan={defaultPlan}
+                            currency={pricing.currency}
+                            locale={locale}
+                        />
+                    ) : (
+                        <UpgradeSection
+                            planEntries={planEntries}
+                            defaultPlan={pricing.defaultPlan}
+                            currency={pricing.currency}
+                            locale={locale}
+                        />
+                    )}
+
+                    {features.aiConsentSettings && (
+                        <AiConsentSection
+                            initialConsent={hasAiConsent}
+                            hasProPlan={hasProPlan}
+                        />
+                    )}
+                </div>
             </SettingsLayout>
         </AppLayout>
     );
diff --git a/resources/js/pages/transactions/index.tsx b/resources/js/pages/transactions/index.tsx
index 05c620c1..778573d5 100644
--- a/resources/js/pages/transactions/index.tsx
+++ b/resources/js/pages/transactions/index.tsx
@@ -1,4 +1,5 @@
 import { useLocale } from '@/hooks/use-locale';
+import { usePollJobStatus } from '@/hooks/use-poll-job-status';
 import { __ } from '@/utils/i18n';
 import { Head, router, usePage } from '@inertiajs/react';
 import {
@@ -13,6 +14,7 @@ import {
 import { VirtualItem, Virtualizer } from '@tanstack/react-virtual';
 import axios from 'axios';
 import { format, getYear, parseISO } from 'date-fns';
+import { ChevronRight } from 'lucide-react';
 import {
     createElement,
     useCallback,
@@ -40,6 +42,7 @@ import { EditTransactionDialog } from '@/components/transactions/edit-transactio
 import { TransactionActionsMenu } from '@/components/transactions/transaction-actions-menu';
 import { createTransactionColumns } from '@/components/transactions/transaction-columns';
 import { TransactionFilters as TransactionFiltersComponent } from '@/components/transactions/transaction-filters';
+import { AiSparkleIcon } from '@/components/ui/ai-sparkle-icon';
 import {
     AlertDialog,
     AlertDialogAction,
@@ -84,10 +87,16 @@ import { captureEvent } from '@/lib/posthog';
 import { getBulkDeleteConfirmationText } from '@/lib/transaction-delete-confirmation';
 import { mergeReEvaluatedTransaction } from '@/lib/transaction-re-evaluation';
 import { cn } from '@/lib/utils';
+import { status as categorizationStatus } from '@/routes/ai/categorization';
+import { store as storeConsent } from '@/routes/ai/consent';
 import { transactionSyncService } from '@/services/transaction-sync';
-import { type BreadcrumbItem } from '@/types';
+import { type BreadcrumbItem, type SharedData } from '@/types';
 import { type Account, type Bank } from '@/types/account';
 import { type AutomationRule } from '@/types/automation-rule';
+import {
+    type AiConsentResponse,
+    type CategorizationProgress,
+} from '@/types/categorization';
 import { type Category } from '@/types/category';
 import { type Label } from '@/types/label';
 import {
@@ -126,6 +135,7 @@ interface Props {
     banks: Bank[];
     labels: Label[];
     automationRules: AutomationRule[];
+    hasAiConsent: boolean;
 }
 
 const COLUMN_VISIBILITY_KEY = 'transactions-column-visibility';
@@ -403,8 +413,25 @@ export default function Transactions({
     banks,
     labels: initialLabels,
     automationRules,
+    hasAiConsent,
 }: Props) {
     const locale = useLocale();
+    const { auth, features } = usePage<SharedData>().props;
+    const [aiConsentGiven, setAiConsentGiven] = useState(false);
+    const [aiConsentSaving, setAiConsentSaving] = useState(false);
+    const showAiConsentBanner =
+        auth.hasProPlan &&
+        features.aiConsentSettings &&
+        !hasAiConsent &&
+        !aiConsentGiven;
+    const [categorizingIds, setCategorizingIds] = useState<Set<string>>(
+        () => new Set(),
+    );
+    const categorizationToastRef = useRef<string | number | undefined>(
+        undefined,
+    );
+    const { start: startCategorizationPoll } = usePollJobStatus();
+
     const [labels, setLabels] = useState<Label[]>(() => initialLabels);
 
     useEffect(() => {
@@ -590,6 +617,133 @@ export default function Transactions({
         });
     }, []);
 
+    // Clear the spinner for any row AI has finished categorizing.
+    useEffect(() => {
+        setCategorizingIds((previous) => {
+            if (previous.size === 0) {
+                return previous;
+            }
+
+            let changed = false;
+            const next = new Set(previous);
+            for (const transaction of allTransactions) {
+                if (next.has(transaction.id) && transaction.category_id) {
+                    next.delete(transaction.id);
+                    changed = true;
+                }
+            }
+
+            return changed ? next : previous;
+        });
+    }, [allTransactions]);
+
+    const pollCategorizationStatus = useCallback(
+        (jobId: string, fallbackTotal: number) => {
+            let pendingTicks = 0;
+
+            const dismiss = () => {
+                setCategorizingIds(new Set());
+                toast.dismiss(categorizationToastRef.current);
+                categorizationToastRef.current = undefined;
+            };
+
+            startCategorizationPoll(async () => {
+                let data;
+                try {
+                    ({ data } = await axios.get<CategorizationProgress>(
+                        categorizationStatus(jobId).url,
+                    ));
+                } catch {
+                    dismiss();
+                    return 'stop';
+                }
+
+                // The job never started (e.g. no queue worker running) — give up
+                // instead of polling forever.
+                if (data.status === 'pending' && ++pendingTicks > 15) {
+                    dismiss();
+                    return 'stop';
+                }
+
+                const total = data.total || fallbackTotal;
+                categorizationToastRef.current = toast.loading(
+                    __('Categorizing :processed of :total transactions…', {
+                        processed: data.processed,
+                        total,
+                    }),
+                    { id: categorizationToastRef.current },
+                );
+
+                // Pull whatever AI has applied so far into the visible rows.
+                if (data.status === 'processing' || data.status === 'done') {
+                    refreshTransactions();
+                }
+
+                if (data.status === 'done' || data.status === 'failed') {
+                    setCategorizingIds(new Set());
+                    if (data.status === 'failed') {
+                        toast.error(
+                            __('AI categorization failed. Please try again.'),
+                            { id: categorizationToastRef.current },
+                        );
+                    } else if (data.applied > 0) {
+                        toast.success(
+                            __('AI categorized :count transactions', {
+                                count: data.applied,
+                            }),
+                            { id: categorizationToastRef.current },
+                        );
+                    } else {
+                        toast.dismiss(categorizationToastRef.current);
+                    }
+                    categorizationToastRef.current = undefined;
+                    return 'stop';
+                }
+
+                return 'continue';
+            }, 2000);
+        },
+        [startCategorizationPoll, refreshTransactions],
+    );
+
+    const handleEnableAi = useCallback(async () => {
+        setAiConsentSaving(true);
+        try {
+            const { data } = await axios.post<AiConsentResponse>(
+                storeConsent.url(),
+            );
+            setAiConsentGiven(true);
+
+            if (data.categorization) {
+                // Spin every currently-visible uncategorized row while the
+                // backfill runs; the prune effect clears each as it lands.
+                setCategorizingIds(
+                    new Set(
+                        allTransactions
+                            .filter((transaction) => !transaction.category_id)
+                            .map((transaction) => transaction.id),
+                    ),
+                );
+                categorizationToastRef.current = toast.loading(
+                    __('Categorizing :processed of :total transactions…', {
+                        processed: 0,
+                        total: data.categorization.total,
+                    }),
+                );
+                pollCategorizationStatus(
+                    data.categorization.job_id,
+                    data.categorization.total,
+                );
+            } else {
+                toast.success(__('AI categorization enabled'));
+            }
+        } catch {
+            toast.error(__('Something went wrong.'));
+        } finally {
+            setAiConsentSaving(false);
+        }
+    }, [allTransactions, pollCategorizationStatus]);
+
     // Load More with cursor pagination (fetch directly to avoid cursor in URL)
     const { component, version } = usePage();
     const handleLoadMore = useCallback(async () => {
@@ -848,6 +1002,7 @@ export default function Transactions({
                 onCategorized: showAutomatizeToast,
                 onReEvaluateRules: handleReEvaluateRules,
                 isDateHidden: columnVisibility.transaction_date === false,
+                categorizingIds,
             }),
         [
             accounts,
@@ -859,6 +1014,7 @@ export default function Transactions({
             showAutomatizeToast,
             handleReEvaluateRules,
             columnVisibility,
+            categorizingIds,
         ],
     );
 
@@ -1248,6 +1404,38 @@ export default function Transactions({
                                 renderDateHeader={(date, colSpan) => (
                                     <DateHeader date={date} colSpan={colSpan} />
                                 )}
+                                topRow={
+                                    showAiConsentBanner ? (
+                                        <div className="flex flex-col gap-3 bg-gradient-to-r from-violet-50 via-sky-50 to-rose-50 px-4 py-4 sm:flex-row sm:items-center dark:from-violet-950/30 dark:via-sky-950/20 dark:to-rose-950/20">
+                                            <div className="flex gap-3">
+                                                <div className="flex size-9 shrink-0 items-center justify-center rounded-md bg-white/80 shadow-sm dark:bg-white/10">
+                                                    <AiSparkleIcon className="h-5 w-5" />
+                                                </div>
+                                                <div className="max-w-80">
+                                                    <p className="font-medium">
+                                                        {__(
+                                                            'Let AI categorize your transactions',
+                                                        )}
+                                                    </p>
+                                                    <p className="text-sm text-muted-foreground">
+                                                        {__(
+                                                            'Give your consent and our AI will suggest categories for your transactions automatically.',
+                                                        )}
+                                                    </p>
+                                                </div>
+                                            </div>
+                                            <Button
+                                                onClick={handleEnableAi}
+                                                disabled={aiConsentSaving}
+                                                variant="secondary"
+                                                className="max-w-[calc(var(--spacing)_*_86)] bg-white px-6!"
+                                            >
+                                                {__('Enable AI')}
+                                                <ChevronRight />
+                                            </Button>
+                                        </div>
+                                    ) : null
+                                }
                             />
 
                             <DataTablePagination
diff --git a/resources/js/types/categorization.ts b/resources/js/types/categorization.ts
new file mode 100644
index 00000000..317b13cc
--- /dev/null
+++ b/resources/js/types/categorization.ts
@@ -0,0 +1,18 @@
+export type CategorizationStatus = 'pending' | 'processing' | 'done' | 'failed';
+
+export interface CategorizationProgress {
+    status: CategorizationStatus;
+    processed: number;
+    total: number;
+    applied: number;
+}
+
+export interface CategorizationKickoff {
+    job_id: string;
+    total: number;
+}
+
+export interface AiConsentResponse {
+    consented: boolean;
+    categorization: CategorizationKickoff | null;
+}
diff --git a/resources/js/types/index.d.ts b/resources/js/types/index.d.ts
index 96ed5d43..e144e6f8 100644
--- a/resources/js/types/index.d.ts
+++ b/resources/js/types/index.d.ts
@@ -43,6 +43,7 @@ export interface Features {
     cashflow: boolean;
     calculateBalancesOnImport: boolean;
     interactiveBrokers: boolean;
+    aiConsentSettings: boolean;
 }
 
 export interface ExpiredBankingConnectionNotification {
diff --git a/routes/web.php b/routes/web.php
index f5aeee12..6a2486b1 100644
--- a/routes/web.php
+++ b/routes/web.php
@@ -2,6 +2,7 @@
 
 use App\Http\Controllers\AccountController;
 use App\Http\Controllers\Ai\AiConsentController;
+use App\Http\Controllers\Ai\CategorizationController;
 use App\Http\Controllers\Ai\RuleSuggestionController;
 use App\Http\Controllers\Auth\VerifyEmailController;
 use App\Http\Controllers\BudgetController;
@@ -118,6 +119,7 @@ Route::middleware(['auth', 'verified'])->group(function () {
     // AI rule suggestions — accessible during onboarding (auto-apply) and after.
     Route::post('ai/consent', [AiConsentController::class, 'store'])->name('ai.consent.store');
     Route::delete('ai/consent', [AiConsentController::class, 'destroy'])->name('ai.consent.destroy');
+    Route::get('ai/categorization/{jobId}/status', [CategorizationController::class, 'status'])->name('ai.categorization.status');
     Route::prefix('ai/rule-suggestions')->name('ai.rule-suggestions.')->group(function () {
         Route::get('/', [RuleSuggestionController::class, 'show'])->name('show');
         Route::post('generate', [RuleSuggestionController::class, 'generate'])->name('generate');
diff --git a/tests/Feature/Ai/CategorizeUncategorizedTransactionsTest.php b/tests/Feature/Ai/CategorizeUncategorizedTransactionsTest.php
new file mode 100644
index 00000000..cb6dbbe3
--- /dev/null
+++ b/tests/Feature/Ai/CategorizeUncategorizedTransactionsTest.php
@@ -0,0 +1,206 @@
+<?php
+
+use App\Ai\Agents\TransactionCategorizationAgent;
+use App\Enums\CategoryCashflowDirection;
+use App\Enums\CategoryType;
+use App\Jobs\CategorizeUncategorizedTransactionsJob;
+use App\Models\Category;
+use App\Models\Transaction;
+use App\Models\User;
+use App\Services\Ai\CategorizeTransactions;
+use App\Services\Ai\CategoryCatalog;
+use Illuminate\Support\Facades\Bus;
+use Illuminate\Support\Facades\Cache;
+
+use function Pest\Laravel\actingAs;
+
+it('dispatches a backfill and returns job progress when consent is granted', function () {
+    Bus::fake();
+    $user = User::factory()->create();
+    Transaction::factory()->plaintext()->count(2)->create([
+        'user_id' => $user->id,
+        'category_id' => null,
+    ]);
+
+    actingAs($user)->postJson(route('ai.consent.store'))
+        ->assertOk()
+        ->assertJson(['consented' => true])
+        ->assertJsonPath('categorization.total', 2)
+        ->assertJsonStructure(['categorization' => ['job_id', 'total']]);
+
+    expect($user->hasActiveAiConsent())->toBeTrue();
+    Bus::assertDispatched(CategorizeUncategorizedTransactionsJob::class);
+});
+
+it('does not dispatch a backfill when nothing is uncategorized', function () {
+    Bus::fake();
+    $user = User::factory()->create();
+    $category = Category::factory()->for($user)->create();
+    Transaction::factory()->plaintext()->create([
+        'user_id' => $user->id,
+        'category_id' => $category->id,
+    ]);
+
+    actingAs($user)->postJson(route('ai.consent.store'))
+        ->assertOk()
+        ->assertJsonPath('categorization', null);
+
+    Bus::assertNotDispatched(CategorizeUncategorizedTransactionsJob::class);
+});
+
+it('does not dispatch a backfill for a user without a paid plan', function () {
+    config(['subscriptions.enabled' => true]);
+    Bus::fake();
+    $user = User::factory()->create();
+    Transaction::factory()->plaintext()->create([
+        'user_id' => $user->id,
+        'category_id' => null,
+    ]);
+
+    actingAs($user)->postJson(route('ai.consent.store'))
+        ->assertOk()
+        ->assertJson(['consented' => true])
+        ->assertJsonPath('categorization', null);
+
+    expect($user->hasActiveAiConsent())->toBeTrue();
+    Bus::assertNotDispatched(CategorizeUncategorizedTransactionsJob::class);
+});
+
+it('does not dispatch a backfill when AI categorization is disabled', function () {
+    config(['ai_categorization.enabled' => false]);
+    Bus::fake();
+    $user = User::factory()->create();
+    Transaction::factory()->plaintext()->create([
+        'user_id' => $user->id,
+        'category_id' => null,
+    ]);
+
+    actingAs($user)->postJson(route('ai.consent.store'))
+        ->assertOk()
+        ->assertJsonPath('categorization', null);
+
+    Bus::assertNotDispatched(CategorizeUncategorizedTransactionsJob::class);
+});
+
+it('returns categorization progress from the status endpoint', function () {
+    $user = User::factory()->create();
+    Cache::put(
+        CategorizeUncategorizedTransactionsJob::cacheKeyForJobId('job-123'),
+        ['status' => 'processing', 'processed' => 1, 'total' => 4, 'applied' => 1],
+        now()->addHour(),
+    );
+
+    actingAs($user)->getJson(route('ai.categorization.status', 'job-123'))
+        ->assertOk()
+        ->assertJson(['status' => 'processing', 'processed' => 1, 'total' => 4, 'applied' => 1]);
+});
+
+it('returns 404 from the status endpoint for an unknown job', function () {
+    $user = User::factory()->create();
+
+    actingAs($user)->getJson(route('ai.categorization.status', 'missing'))
+        ->assertNotFound();
+});
+
+it('records progress while categorizing the uncategorized transactions', function () {
+    $user = User::factory()->create();
+    $user->recordAiConsent();
+    $category = Category::factory()->for($user)->create([
+        'type' => CategoryType::Expense,
+        'cashflow_direction' => CategoryCashflowDirection::Outflow,
+    ]);
+
+    $catalog = CategoryCatalog::forUser($user);
+    $index = 0;
+    while (
+        ($id = $catalog->categoryIdForIndex($index)) !== null
+        && $id !== $category->id
+    ) {
+        $index++;
+    }
+
+    TransactionCategorizationAgent::fake(function (string $prompt) use ($index): array {
+        preg_match_all('/"ref":"([0-9a-f-]+)"/', $prompt, $matches);
+
+        return ['results' => array_map(fn (string $ref): array => [
+            'ref' => $ref,
+            'category_index' => $index,
+            'confidence' => 0.95,
+            'merchant_unambiguous' => false,
+        ], $matches[1])];
+    });
+
+    Transaction::factory()->plaintext()->count(2)->create([
+        'user_id' => $user->id,
+        'category_id' => null,
+        'creditor_name' => 'mercadona',
+    ]);
+
+    $jobId = 'job-run-1';
+    app()->call([new CategorizeUncategorizedTransactionsJob($user, $jobId), 'handle']);
+
+    $progress = Cache::get(CategorizeUncategorizedTransactionsJob::cacheKeyForJobId($jobId));
+
+    expect($progress['status'])->toBe('done')
+        ->and($progress['total'])->toBe(2)
+        ->and($progress['processed'])->toBe(2)
+        ->and($progress['applied'])->toBe(2);
+});
+
+it('marks the cache as failed and preserves counts when the job fails', function () {
+    $user = User::factory()->create();
+    $jobId = 'failed-job';
+    Cache::put(
+        CategorizeUncategorizedTransactionsJob::cacheKeyForJobId($jobId),
+        ['status' => 'processing', 'processed' => 3, 'total' => 10, 'applied' => 2],
+        now()->addHour(),
+    );
+
+    (new CategorizeUncategorizedTransactionsJob($user, $jobId))
+        ->failed(new RuntimeException('boom'));
+
+    $progress = Cache::get(CategorizeUncategorizedTransactionsJob::cacheKeyForJobId($jobId));
+
+    expect($progress['status'])->toBe('failed')
+        ->and($progress['processed'])->toBe(3)
+        ->and($progress['total'])->toBe(10)
+        ->and($progress['applied'])->toBe(2);
+});
+
+it('categorizes the most recent transactions first', function () {
+    config(['ai_categorization.group_batch_size' => 1]);
+
+    $user = User::factory()->create();
+    $user->recordAiConsent();
+
+    $oldest = Transaction::factory()->plaintext()->create([
+        'user_id' => $user->id,
+        'category_id' => null,
+        'transaction_date' => '2026-01-01',
+    ]);
+    $newest = Transaction::factory()->plaintext()->create([
+        'user_id' => $user->id,
+        'category_id' => null,
+        'transaction_date' => '2026-06-01',
+    ]);
+    $middle = Transaction::factory()->plaintext()->create([
+        'user_id' => $user->id,
+        'category_id' => null,
+        'transaction_date' => '2026-03-01',
+    ]);
+
+    $order = [];
+    $this->mock(CategorizeTransactions::class, function ($mock) use (&$order) {
+        $mock->shouldReceive('forTransactions')->andReturnUsing(function ($user, $transactions) use (&$order) {
+            foreach ($transactions as $transaction) {
+                $order[] = $transaction->id;
+            }
+
+            return [];
+        });
+    });
+
+    app()->call([new CategorizeUncategorizedTransactionsJob($user, 'order-job'), 'handle']);
+
+    expect($order)->toBe([$newest->id, $middle->id, $oldest->id]);
+});
diff --git a/tests/Feature/AiConsentSettingsTest.php b/tests/Feature/AiConsentSettingsTest.php
new file mode 100644
index 00000000..e7af5450
--- /dev/null
+++ b/tests/Feature/AiConsentSettingsTest.php
@@ -0,0 +1,62 @@
+<?php
+
+use App\Features\AiConsentSettings;
+use App\Models\User;
+use Inertia\Testing\AssertableInertia as Assert;
+use Laravel\Pennant\Feature;
+
+use function Pest\Laravel\actingAs;
+
+test('ai consent settings flag is off by default in shared props', function () {
+    $user = User::factory()->onboarded()->create();
+
+    actingAs($user)->withoutVite()->get(route('dashboard'))
+        ->assertInertia(fn (Assert $page) => $page
+            ->where('features.aiConsentSettings', false)
+        );
+});
+
+test('ai consent settings flag is exposed when activated for the user', function () {
+    $user = User::factory()->onboarded()->create();
+    Feature::for($user)->activate(AiConsentSettings::class);
+
+    actingAs($user)->withoutVite()->get(route('dashboard'))
+        ->assertInertia(fn (Assert $page) => $page
+            ->where('features.aiConsentSettings', true)
+        );
+});
+
+test('billing page reports current ai consent state', function () {
+    config(['subscriptions.enabled' => true]);
+    $user = User::factory()->onboarded()->create();
+
+    actingAs($user)->withoutVite()->get(route('settings.billing'))
+        ->assertInertia(fn (Assert $page) => $page
+            ->component('settings/billing')
+            ->where('hasAiConsent', false)
+        );
+
+    $user->recordAiConsent();
+
+    actingAs($user)->withoutVite()->get(route('settings.billing'))
+        ->assertInertia(fn (Assert $page) => $page
+            ->where('hasAiConsent', true)
+        );
+});
+
+test('transactions page reports current ai consent state', function () {
+    $user = User::factory()->onboarded()->create();
+
+    actingAs($user)->withoutVite()->get(route('transactions.index'))
+        ->assertInertia(fn (Assert $page) => $page
+            ->component('transactions/index')
+            ->where('hasAiConsent', false)
+        );
+
+    $user->recordAiConsent();
+
+    actingAs($user)->withoutVite()->get(route('transactions.index'))
+        ->assertInertia(fn (Assert $page) => $page
+            ->where('hasAiConsent', true)
+        );
+});
diff --git a/tests/Feature/InertiaSharedDataTest.php b/tests/Feature/InertiaSharedDataTest.php
index 114f038b..743ce623 100644
--- a/tests/Feature/InertiaSharedDataTest.php
+++ b/tests/Feature/InertiaSharedDataTest.php
@@ -44,6 +44,7 @@ test('shared feature flags do not include coinbase flag', function () {
         'cashflow' => true,
         'calculateBalancesOnImport' => false,
         'interactiveBrokers' => false,
+        'aiConsentSettings' => false,
     ]);
 });