diff --git a/docs/wallet-mint-recovery.md b/docs/wallet-mint-recovery.md
index cb344ef..ca2eb05 100644
--- a/docs/wallet-mint-recovery.md
+++ b/docs/wallet-mint-recovery.md
@@ -46,6 +46,27 @@ and NUT-09 restore, allocate fresh deterministic counters safely, and coordinate
 with coco's watcher/processor. It needs its own integration tests before handling
 real funds.
 
+## Wallet doctor
+
+`routstrd wallet doctor` runs read-only health checks before the legacy
+migration diagnosis:
+
+1. **Mint reachability** — a NUT-06 probe against every trusted mint.
+2. **Recent unpaid quotes** — pending quotes from the last hour the mint
+   still reports UNPAID (an invoice awaiting payment; informational).
+3. **Paid but not issued** — the stuck scenario this recovery feature
+   fixes. Each finding prints its `wallet recover --op <id>` remediation,
+   with `--include-failed` when the operation must be re-opened first.
+4. **Stuck melts** — prepared melts holding reserved proofs, in-flight
+   melts, and failed melts whose input proofs were never released.
+
+The doctor never mutates wallet state: quote checks are plain NUT-04 reads,
+not coco's observe-and-persist path, and remediation is always left to the
+operator. It exits non-zero when money is provably at risk (unreachable
+mint, paid-but-unissued quote, failed melt with locked proofs) or the
+migration diagnosis finds a conflict, so it can gate scripts. When the
+daemon is down only the offline migration section runs.
+
 ## Cleanup preview and force
 
 `wallet cleanup --dry-run` is local-only: it reports `mintQuoteCandidates`, not
diff --git a/src/cli-doctor.test.ts b/src/cli-doctor.test.ts
new file mode 100644
index 0000000..c4cef98
--- /dev/null
+++ b/src/cli-doctor.test.ts
@@ -0,0 +1,127 @@
+import { describe, expect, it } from "bun:test";
+import { renderWalletHealth } from "./cli";
+import type { WalletDoctorReport } from "./daemon/wallet/doctor";
+
+const NOW = 1_800_000_000_000;
+
+function report(overrides: Partial<WalletDoctorReport> = {}): WalletDoctorReport {
+  return {
+    generatedAt: NOW,
+    mints: [],
+    unpaidQuotes: [],
+    paidUnissued: [],
+    stuckMelts: [],
+    uncheckedQuotes: 0,
+    ...overrides,
+  };
+}
+
+describe("renderWalletHealth", () => {
+  it("renders an all-green report", () => {
+    const output = renderWalletHealth(
+      report({
+        mints: [
+          { mintUrl: "https://mint.example", reachable: true, latencyMs: 212 },
+        ],
+      }),
+    );
+    expect(output).toContain("Wallet health");
+    expect(output).toContain("✓ https://mint.example — reachable (212 ms)");
+    expect(output).toContain("none unpaid");
+    expect(output).toContain("none stuck");
+  });
+
+  it("renders unreachable mints with their error", () => {
+    const output = renderWalletHealth(
+      report({
+        mints: [
+          { mintUrl: "https://mint.down", reachable: false, error: "fetch failed" },
+        ],
+      }),
+    );
+    expect(output).toContain("✗ https://mint.down — unreachable: fetch failed");
+  });
+
+  it("renders unpaid quotes with age and expiry", () => {
+    const output = renderWalletHealth(
+      report({
+        unpaidQuotes: [
+          {
+            operationId: "op-1234567890abcdef",
+            quoteId: "quote-abcdef1234567890",
+            mintUrl: "https://mint.example",
+            amount: 500,
+            ageMs: 5 * 60_000,
+            expiresInMs: 41 * 60_000,
+          },
+        ],
+      }),
+    );
+    expect(output).toContain("⚠ quote-ab… at https://mint.example — 500 sat, UNPAID");
+    expect(output).toContain("created 5m ago, expires in 41m");
+  });
+
+  it("renders paid-unissued findings with the recover remediation", () => {
+    const output = renderWalletHealth(
+      report({
+        paidUnissued: [
+          {
+            operationId: "op-1234567890abcdef",
+            quoteId: "quote-abcdef1234567890",
+            mintUrl: "https://mint.example",
+            amount: 1_000,
+            localState: "failed",
+            remoteState: "PAID",
+            error: "keyset id inactive.",
+            remediation: "routstrd wallet recover --op op-1234567890abcdef --include-failed",
+          },
+        ],
+      }),
+    );
+    expect(output).toContain("✗ op-12345… (quote quote-ab…)");
+    expect(output).toContain("1,000 sat PAID at mint, local state failed");
+    expect(output).toContain("mint error: keyset id inactive.");
+    expect(output).toContain(
+      "→ routstrd wallet recover --op op-1234567890abcdef --include-failed",
+    );
+  });
+
+  it("renders stuck melts with locked totals and remediation", () => {
+    const output = renderWalletHealth(
+      report({
+        stuckMelts: [
+          {
+            operationId: "melt-1234567890",
+            mintUrl: "https://mint.example",
+            amount: 2_100,
+            feeReserve: 12,
+            ageMs: 3 * 86_400_000,
+            kind: "prepared",
+            lockedSecrets: 4,
+            remediation: "routstrd wallet cleanup",
+          },
+          {
+            operationId: "melt-abcdef",
+            mintUrl: "https://mint.example",
+            amount: 50,
+            feeReserve: 2,
+            ageMs: 90_000,
+            kind: "failed-locked",
+            lockedSecrets: 1,
+            remediation: "restart the daemon",
+          },
+        ],
+      }),
+    );
+    expect(output).toContain(
+      "⚠ melt-123… at https://mint.example — 2,112 sat locked (4 proof(s)), prepared, payment never attempted, 3d old",
+    );
+    expect(output).toContain("✗ melt-abcdef at");
+    expect(output).toContain("failed but proofs still locked");
+  });
+
+  it("notes quotes that could not be checked", () => {
+    const output = renderWalletHealth(report({ uncheckedQuotes: 3 }));
+    expect(output).toContain("3 quote(s) could not be checked with their mint");
+  });
+});
diff --git a/src/cli.ts b/src/cli.ts
index c2da59e..f96a52a 100644
--- a/src/cli.ts
+++ b/src/cli.ts
@@ -49,6 +49,11 @@ import {
   summarizeWalletDirectory,
   WalletMigrationConflictError,
 } from "./daemon/wallet/diagnostics";
+import {
+  doctorReportSeverity,
+  DOCTOR_RECENT_QUOTE_WINDOW_MS,
+  type WalletDoctorReport,
+} from "./daemon/wallet/doctor";
 import {
   legacyCocodDir,
   legacyCocodPidPath,
@@ -2062,14 +2067,156 @@ walletCmd
     await handleDaemonCommand("/wallet/status");
   });
 
+const doctorUseColor = !process.env.NO_COLOR && process.stdout.isTTY === true;
+const doctorPaint = (code: string, text: string): string =>
+  doctorUseColor ? `\x1b[${code}m${text}\x1b[0m` : text;
+const doctorGreen = (text: string) => doctorPaint("32", text);
+const doctorRed = (text: string) => doctorPaint("31", text);
+const doctorYellow = (text: string) => doctorPaint("33", text);
+
+function shortenOperationId(id: string): string {
+  return id.length > 12 ? `${id.slice(0, 8)}…` : id;
+}
+
+function formatSats(amount: number): string {
+  return amount.toLocaleString("en-US");
+}
+
+function formatDoctorDuration(ms: number): string {
+  const abs = Math.abs(ms);
+  if (abs < 60_000) return `${Math.max(1, Math.round(abs / 1000))}s`;
+  if (abs < 3_600_000) return `${Math.round(abs / 60_000)}m`;
+  if (abs < 86_400_000) return `${Math.round(abs / 3_600_000)}h`;
+  return `${Math.round(abs / 86_400_000)}d`;
+}
+
+/** Render the daemon's live doctor report; colors are NO_COLOR/TTY aware. */
+export function renderWalletHealth(report: WalletDoctorReport): string {
+  const lines: string[] = ["Wallet health", "=============", ""];
+
+  lines.push("Mints");
+  if (report.mints.length === 0) {
+    lines.push("  (no trusted mints)");
+  }
+  for (const probe of report.mints) {
+    if (probe.reachable) {
+      const latency =
+        probe.latencyMs !== undefined ? ` (${probe.latencyMs} ms)` : "";
+      lines.push(`  ${doctorGreen("✓")} ${probe.mintUrl} — reachable${latency}`);
+    } else {
+      lines.push(
+        `  ${doctorRed("✗")} ${probe.mintUrl} — unreachable${probe.error ? `: ${probe.error}` : ""}`,
+      );
+    }
+  }
+
+  lines.push(
+    "",
+    `Mint quotes (last ${formatDoctorDuration(DOCTOR_RECENT_QUOTE_WINDOW_MS)})`,
+  );
+  if (report.unpaidQuotes.length === 0) {
+    lines.push("  none unpaid");
+  }
+  for (const quote of report.unpaidQuotes) {
+    const expiry =
+      quote.expiresInMs === undefined
+        ? ""
+        : quote.expiresInMs >= 0
+          ? `, expires in ${formatDoctorDuration(quote.expiresInMs)}`
+          : `, expired ${formatDoctorDuration(quote.expiresInMs)} ago`;
+    lines.push(
+      `  ${doctorYellow("⚠")} ${shortenOperationId(quote.quoteId ?? quote.operationId)} at ${quote.mintUrl} — ${formatSats(quote.amount)} sat, UNPAID, created ${formatDoctorDuration(quote.ageMs)} ago${expiry}`,
+    );
+  }
+
+  lines.push("", "Paid but not issued");
+  if (report.paidUnissued.length === 0) {
+    lines.push("  none");
+  }
+  for (const finding of report.paidUnissued) {
+    lines.push(
+      `  ${doctorRed("✗")} ${shortenOperationId(finding.operationId)} (quote ${shortenOperationId(finding.quoteId ?? "?")}) at ${finding.mintUrl} — ${formatSats(finding.amount)} sat ${finding.remoteState} at mint, local state ${finding.localState}`,
+    );
+    if (finding.error) lines.push(`    mint error: ${finding.error}`);
+    lines.push(`    → ${finding.remediation}`);
+  }
+
+  lines.push("", "Melts");
+  if (report.stuckMelts.length === 0) {
+    lines.push("  none stuck");
+  }
+  for (const melt of report.stuckMelts) {
+    const icon = melt.kind === "failed-locked" ? doctorRed("✗") : doctorYellow("⚠");
+    const what =
+      melt.kind === "prepared"
+        ? "prepared, payment never attempted"
+        : melt.kind === "in-flight"
+          ? "payment in flight"
+          : "failed but proofs still locked";
+    lines.push(
+      `  ${icon} ${shortenOperationId(melt.operationId)} at ${melt.mintUrl} — ${formatSats(melt.amount + melt.feeReserve)} sat locked (${melt.lockedSecrets} proof(s)), ${what}, ${formatDoctorDuration(melt.ageMs)} old`,
+    );
+    lines.push(`    → ${melt.remediation}`);
+  }
+
+  if (report.uncheckedQuotes > 0) {
+    lines.push(
+      "",
+      `  ${doctorYellow("⚠")} ${report.uncheckedQuotes} quote(s) could not be checked with their mint`,
+    );
+  }
+  return lines.join("\n");
+}
+
 walletCmd
   .command("doctor")
-  .description("Diagnose conflicting wallets (current routstrd wallet vs legacy cocod)")
-  .action(async () => {
+  .description(
+    "Wallet health checks (mint reachability, unpaid/stuck quotes, locked melts), then legacy wallet migration diagnosis",
+  )
+  .option("--json", "Print the raw health report as JSON", false)
+  .action(async (options: { json: boolean }) => {
     const target = summarizeWalletDirectory(defaultWalletDir(), "canonical");
     const source = summarizeWalletDirectory(legacyCocodDir(), "legacy");
-    console.log(renderWalletDoctor(target, source));
-    if (diagnoseWallets(target, source).conflict) process.exit(1);
+    const migrationConflict = diagnoseWallets(target, source).conflict;
+
+    // Live health checks need the daemon; when it is down the offline
+    // migration diagnosis still runs, because a broken startup is exactly
+    // when the doctor gets invoked.
+    let report: WalletDoctorReport | undefined;
+    try {
+      const result = await callDaemon("/wallet/doctor");
+      if (result.error) throw new Error(result.error);
+      report = result.output as WalletDoctorReport | undefined;
+    } catch {
+      report = undefined;
+    }
+
+    if (options.json) {
+      console.log(
+        JSON.stringify(
+          { health: report ?? null, migrationConflict },
+          null,
+          2,
+        ),
+      );
+    } else {
+      if (report) {
+        console.log(renderWalletHealth(report));
+      } else {
+        console.log("Wallet health");
+        console.log("=============");
+        console.log("");
+        console.log(
+          "  skipped: daemon is not running; live checks need it (routstrd start)",
+        );
+      }
+      console.log("");
+      console.log(renderWalletDoctor(target, source));
+    }
+
+    const healthCritical =
+      report !== undefined && doctorReportSeverity(report) === "critical";
+    if (healthCritical || migrationConflict) process.exit(1);
   });
 
 walletCmd
diff --git a/src/daemon/http/index.ts b/src/daemon/http/index.ts
index 503d754..1cef897 100644
--- a/src/daemon/http/index.ts
+++ b/src/daemon/http/index.ts
@@ -549,6 +549,19 @@ export function createDaemonRequestHandler(deps: {
       return;
     }
 
+    if (req.method === "GET" && url.pathname === "/wallet/doctor") {
+      await respond(res, async () => {
+        if (!deps.walletClient.diagnoseWallet) {
+          throw new WalletHttpError(
+            501,
+            "Wallet doctor is not supported by this wallet client.",
+          );
+        }
+        return { output: await deps.walletClient.diagnoseWallet() };
+      });
+      return;
+    }
+
     if (req.method === "POST" && url.pathname === "/wallet/recover") {
       await respond(res, async () => {
         if (!deps.walletClient.recoverMintQuotes) {
diff --git a/src/daemon/http/wallet-doctor.test.ts b/src/daemon/http/wallet-doctor.test.ts
new file mode 100644
index 0000000..348c17e
--- /dev/null
+++ b/src/daemon/http/wallet-doctor.test.ts
@@ -0,0 +1,60 @@
+import { describe, expect, it, mock } from "bun:test";
+import { EventEmitter } from "node:events";
+import { createDaemonRequestHandler } from "./index";
+
+function get(path: string, walletClient: unknown) {
+  const handler = createDaemonRequestHandler({ walletClient } as never);
+  const req = new EventEmitter() as any;
+  Object.assign(req, {
+    method: "GET",
+    url: path,
+    headers: { host: "localhost" },
+  });
+  const res = {
+    status: 0,
+    body: "",
+    writeHead(status: number) {
+      this.status = status;
+    },
+    end(chunk: string) {
+      this.body = chunk;
+    },
+  };
+  setImmediate(() => req.emit("end"));
+  return handler(req, res as never).then(() => res);
+}
+
+describe("GET /wallet/doctor", () => {
+  it("returns the client's doctor report", async () => {
+    const report = {
+      generatedAt: 1_800_000_000_000,
+      mints: [{ mintUrl: "https://mint.example", reachable: true, latencyMs: 12 }],
+      unpaidQuotes: [],
+      paidUnissued: [],
+      stuckMelts: [],
+      uncheckedQuotes: 0,
+    };
+    const diagnoseWallet = mock(async () => report);
+    const res = await get("/wallet/doctor", { diagnoseWallet });
+    expect(res.status).toBe(200);
+    expect(JSON.parse(res.body)).toEqual({ output: report });
+    expect(diagnoseWallet).toHaveBeenCalledTimes(1);
+  });
+
+  it("returns 501 when the wallet client has no doctor support", async () => {
+    const res = await get("/wallet/doctor", {});
+    expect(res.status).toBe(501);
+    expect(JSON.parse(res.body).error).toContain("not supported");
+  });
+
+  it("surfaces client failures as errors, not a fake-healthy report", async () => {
+    const diagnoseWallet = mock(async () => {
+      throw new Error("coco repositories unavailable");
+    });
+    const res = await get("/wallet/doctor", { diagnoseWallet });
+    expect(res.status).toBe(500);
+    expect(JSON.parse(res.body).error).toContain(
+      "coco repositories unavailable",
+    );
+  });
+});
diff --git a/src/daemon/wallet/coco-client.test.ts b/src/daemon/wallet/coco-client.test.ts
index b020237..5548a89 100644
--- a/src/daemon/wallet/coco-client.test.ts
+++ b/src/daemon/wallet/coco-client.test.ts
@@ -21,6 +21,7 @@ import {
   isZombieProcess,
   reopenFailedMintOperation,
   runMintQuoteRecovery,
+  runWalletDoctor,
   settleExpiredMintQuotes,
   settlePendingMintQuotes,
   stopLegacyCocod,
@@ -28,6 +29,7 @@ import {
   type MintQuoteRecoverySource,
   type PendingMintQuoteSource,
   type PendingMintSweepState,
+  type WalletDoctorSource,
 } from "./coco-client";
 import { OperationInProgressError } from "@cashu/coco-core";
 import { logger } from "../../utils/logger";
@@ -1728,3 +1730,215 @@ describe("createRecoveryGate", () => {
     await waiting;
   });
 });
+
+describe("runWalletDoctor", () => {
+  const NOW = Date.now();
+
+  function doctorMintOp(overrides: Record<string, unknown> = {}) {
+    return {
+      id: "op-1",
+      mintUrl: "https://mint.example",
+      quoteId: "quote-1",
+      state: "pending",
+      amount: 500,
+      expiry: Math.floor(NOW / 1000) + 600,
+      createdAt: NOW - 5 * 60_000,
+      updatedAt: NOW - 60_000,
+      ...overrides,
+    };
+  }
+
+  function doctorMeltOp(overrides: Record<string, unknown> = {}) {
+    return {
+      id: "melt-1",
+      mintUrl: "https://mint.example",
+      quoteId: "melt-quote-1",
+      state: "prepared",
+      amount: 2_100,
+      fee_reserve: 12,
+      inputProofSecrets: ["secret-a"],
+      createdAt: NOW - 3 * 24 * 3_600_000,
+      updatedAt: NOW - 3 * 24 * 3_600_000,
+      ...overrides,
+    };
+  }
+
+  function fakeDoctorSource(overrides: Partial<WalletDoctorSource> = {}) {
+    const fetchQuoteState = mock(async (_mintUrl: string, _quoteId: string) => "UNPAID");
+    const source: WalletDoctorSource = {
+      listTrustedMintUrls: async () => ["https://mint.example"],
+      listPendingMintOps: async () => [],
+      listFailedMintOps: async () => [],
+      listPreparedMelts: async () => [],
+      listInFlightMelts: async () => [],
+      listFailedMelts: async () => [],
+      getInflightProofSecrets: async () => [],
+      probeMint: async (mintUrl: string) => ({
+        mintUrl,
+        reachable: true,
+        latencyMs: 5,
+      }),
+      fetchQuoteState,
+      ...overrides,
+    };
+    return { source, fetchQuoteState };
+  }
+
+  it("reports a healthy wallet as all-green", async () => {
+    const { source } = fakeDoctorSource();
+    const report = await runWalletDoctor(source);
+    expect(report.mints).toEqual([
+      { mintUrl: "https://mint.example", reachable: true, latencyMs: 5 },
+    ]);
+    expect(report.unpaidQuotes).toEqual([]);
+    expect(report.paidUnissued).toEqual([]);
+    expect(report.stuckMelts).toEqual([]);
+    expect(report.uncheckedQuotes).toBe(0);
+  });
+
+  it("lists a recent quote the mint still reports UNPAID", async () => {
+    const { source } = fakeDoctorSource({
+      listPendingMintOps: async () => [doctorMintOp() as never],
+    });
+    const report = await runWalletDoctor(source);
+    expect(report.unpaidQuotes).toHaveLength(1);
+    expect(report.unpaidQuotes[0]).toMatchObject({
+      operationId: "op-1",
+      amount: 500,
+    });
+    expect(report.paidUnissued).toEqual([]);
+  });
+
+  it("flags a pending quote the mint reports PAID with the recover command", async () => {
+    const { source } = fakeDoctorSource({
+      listPendingMintOps: async () => [doctorMintOp() as never],
+      fetchQuoteState: async () => "PAID",
+    });
+    const report = await runWalletDoctor(source);
+    expect(report.unpaidQuotes).toEqual([]);
+    expect(report.paidUnissued).toHaveLength(1);
+    expect(report.paidUnissued[0]).toMatchObject({
+      operationId: "op-1",
+      remoteState: "PAID",
+      remediation: "routstrd wallet recover --op op-1",
+    });
+  });
+
+  it("flags a failed quote last seen PAID with --include-failed", async () => {
+    const { source } = fakeDoctorSource({
+      listFailedMintOps: async () => [
+        doctorMintOp({
+          id: "op-9",
+          state: "failed",
+          lastObservedRemoteState: "PAID",
+        }) as never,
+      ],
+      fetchQuoteState: async () => "PAID",
+    });
+    const report = await runWalletDoctor(source);
+    expect(report.paidUnissued).toHaveLength(1);
+    expect(report.paidUnissued[0]?.remediation).toBe(
+      "routstrd wallet recover --op op-9 --include-failed",
+    );
+  });
+
+  it("does not probe failed quotes last seen UNPAID", async () => {
+    const { source, fetchQuoteState } = fakeDoctorSource({
+      listFailedMintOps: async () => [
+        doctorMintOp({
+          state: "failed",
+          lastObservedRemoteState: "UNPAID",
+        }) as never,
+      ],
+    });
+    const report = await runWalletDoctor(source);
+    expect(fetchQuoteState).not.toHaveBeenCalled();
+    expect(report.paidUnissued).toEqual([]);
+    expect(report.uncheckedQuotes).toBe(0);
+  });
+
+  it("probes each target quote only once", async () => {
+    const { source, fetchQuoteState } = fakeDoctorSource({
+      listPendingMintOps: async () => [doctorMintOp() as never],
+    });
+    fetchQuoteState.mockImplementation(async () => "PAID");
+    await runWalletDoctor(source);
+    expect(fetchQuoteState).toHaveBeenCalledTimes(1);
+    expect(fetchQuoteState).toHaveBeenCalledWith(
+      "https://mint.example",
+      "quote-1",
+    );
+  });
+
+  it("counts probe failures as unchecked instead of dropping them", async () => {
+    const { source } = fakeDoctorSource({
+      listPendingMintOps: async () => [doctorMintOp() as never],
+      fetchQuoteState: async () => {
+        throw new Error("mint unreachable");
+      },
+    });
+    const report = await runWalletDoctor(source);
+    expect(report.uncheckedQuotes).toBe(1);
+    expect(report.unpaidQuotes).toEqual([]);
+    expect(report.paidUnissued).toEqual([]);
+  });
+
+  it("counts quotes the probe budget never reached as unchecked", async () => {
+    const { source, fetchQuoteState } = fakeDoctorSource({
+      listPendingMintOps: async () => [
+        doctorMintOp() as never,
+        doctorMintOp({ id: "op-2", quoteId: "quote-2" }) as never,
+      ],
+      quoteProbeBudgetMs: 0,
+    });
+    const report = await runWalletDoctor(source);
+    expect(fetchQuoteState).not.toHaveBeenCalled();
+    expect(report.uncheckedQuotes).toBe(2);
+  });
+
+  it("passes unreachable mint probes through", async () => {
+    const { source } = fakeDoctorSource({
+      probeMint: async (mintUrl: string) => ({
+        mintUrl,
+        reachable: false,
+        error: "fetch failed",
+      }),
+    });
+    const report = await runWalletDoctor(source);
+    expect(report.mints).toEqual([
+      { mintUrl: "https://mint.example", reachable: false, error: "fetch failed" },
+    ]);
+  });
+
+  it("flags old prepared melts and failed melts with locked proofs", async () => {
+    const { source } = fakeDoctorSource({
+      listPreparedMelts: async () => [doctorMeltOp()],
+      listFailedMelts: async () => [
+        doctorMeltOp({ id: "melt-2", state: "failed" }),
+      ],
+      getInflightProofSecrets: async () => ["secret-a"],
+    });
+    const report = await runWalletDoctor(source);
+    expect(report.stuckMelts).toHaveLength(2);
+    const byKind = new Map(report.stuckMelts.map((melt) => [melt.kind, melt]));
+    expect(byKind.get("prepared")).toMatchObject({
+      operationId: "melt-1",
+      feeReserve: 12,
+    });
+    expect(byKind.get("failed-locked")).toMatchObject({
+      operationId: "melt-2",
+      lockedSecrets: 1,
+    });
+  });
+
+  it("ignores failed melts whose proofs were released", async () => {
+    const { source } = fakeDoctorSource({
+      listFailedMelts: async () => [
+        doctorMeltOp({ id: "melt-2", state: "failed" }),
+      ],
+      getInflightProofSecrets: async () => [],
+    });
+    const report = await runWalletDoctor(source);
+    expect(report.stuckMelts).toEqual([]);
+  });
+});
diff --git a/src/daemon/wallet/coco-client.ts b/src/daemon/wallet/coco-client.ts
index 48d366e..bac6697 100644
--- a/src/daemon/wallet/coco-client.ts
+++ b/src/daemon/wallet/coco-client.ts
@@ -39,6 +39,18 @@ import type {
   WalletRecoveryProgress,
 } from "./wallet-client";
 import { selectCleanupOperations, summarizeMintCleanup } from "./cleanup";
+import {
+  classifyPaidUnissued,
+  classifyStuckMelt,
+  mintQuoteStateToCategory,
+  selectPaidUnissuedCandidates,
+  selectRecentMintQuotes,
+  toUnpaidQuote,
+  type DoctorMeltOperation,
+  type DoctorMintOperation,
+  type DoctorMintProbe,
+  type WalletDoctorReport,
+} from "./doctor";
 import {
   classifyMintQuoteObservation,
   selectMintQuotesForRecovery,
@@ -731,6 +743,31 @@ async function enableCocoManager(coco: Manager): Promise<void> {
  */
 const EXPIRED_MINT_OBSERVATION_DEADLINE_MS = 15_000;
 
+/** Per-request timeout for the doctor's NUT-06/NUT-04 mint probes. */
+const DOCTOR_MINT_PROBE_TIMEOUT_MS = 4_000;
+/** Overall budget for the doctor's quote-state probe round. */
+const DOCTOR_QUOTE_PROBE_BUDGET_MS = 15_000;
+/** How many doctor quote-state probes run at once. */
+const DOCTOR_QUOTE_PROBE_CONCURRENCY = 4;
+
+/**
+ * Private coco repositories the doctor reads failed operations and locked
+ * proofs through. Read-only access only; resolved fail-closed (see
+ * doctorRepositories) so a coco upgrade that renames them surfaces
+ * immediately instead of silently skipping health checks.
+ */
+interface MintOperationRepositoryDoctor {
+  getByState(state: string): Promise<DoctorMintOperation[]>;
+}
+
+interface MeltOperationRepositoryDoctor {
+  getByState(state: string): Promise<Array<Record<string, unknown>>>;
+}
+
+interface ProofRepositoryDoctor {
+  getInflightProofs(mintUrls?: string[]): Promise<Array<{ secret: string }>>;
+}
+
 /** Rejects when `timeoutMs` elapses before `promise` settles. */
 function withTimeout<T>(promise: Promise<T>, timeoutMs: number): Promise<T> {
   if (timeoutMs === Infinity) return promise;
@@ -1810,6 +1847,240 @@ export async function runWalletRecovery(
   }
 }
 
+/**
+ * Structural source for the wallet doctor, so the orchestration is testable
+ * without a wallet database or network access (mirrors
+ * MintQuoteRecoverySource). Every method is a READ: the doctor never
+ * observes-and-persists, finalizes, or fails operations.
+ */
+export interface WalletDoctorSource {
+  listTrustedMintUrls(): Promise<string[]>;
+  /** Pending and executing mint operations. */
+  listPendingMintOps(): Promise<DoctorMintOperation[]>;
+  /** Terminally failed mint operations (via coco's private repository). */
+  listFailedMintOps(): Promise<DoctorMintOperation[]>;
+  listPreparedMelts(): Promise<Array<Record<string, unknown>>>;
+  listInFlightMelts(): Promise<Array<Record<string, unknown>>>;
+  listFailedMelts(): Promise<Array<Record<string, unknown>>>;
+  /** Secrets of proofs currently locked (`inflight`). */
+  getInflightProofSecrets(): Promise<string[]>;
+  /** NUT-06 reachability probe for one mint. */
+  probeMint(mintUrl: string): Promise<DoctorMintProbe>;
+  /** Read-only NUT-04 quote state fetch (no persistence). */
+  fetchQuoteState(mintUrl: string, quoteId: string): Promise<string>;
+  /** Probe budget/concurrency overrides for tests. */
+  quoteProbeBudgetMs?: number;
+  quoteProbeConcurrency?: number;
+}
+
+/**
+ * Run the read-only wallet health checks behind `routstrd wallet doctor`.
+ *
+ * Four checks, all driven by the pure helpers in doctor.ts:
+ *
+ * 1. Mint reachability: every trusted mint gets a NUT-06 probe, in parallel.
+ * 2. Recent unpaid quotes: pending quotes created in the last hour whose
+ *    mint still reports UNPAID - informational, an invoice awaiting payment.
+ * 3. Paid but not issued: the stuck scenario `wallet recover` remediates.
+ *    Candidates share recovery's selection rules; the remote state is
+ *    classified by the same helper recovery uses, so doctor and recovery
+ *    never disagree about what is claimable.
+ * 4. Stuck melts: prepared melts holding reserved proofs, in-flight melts,
+ *    and failed melts whose input proofs were never released.
+ *
+ * Quote-state probes are read-only NUT-04 fetches (never coco's
+ * observe-and-persist path), bounded by an overall budget and a concurrency
+ * limit so a slow mint cannot stall the whole report. Quotes that could not
+ * be checked are counted in `uncheckedQuotes` rather than silently dropped.
+ */
+export async function runWalletDoctor(
+  source: WalletDoctorSource,
+): Promise<WalletDoctorReport> {
+  const nowMs = Date.now();
+  const report: WalletDoctorReport = {
+    generatedAt: nowMs,
+    mints: [],
+    unpaidQuotes: [],
+    paidUnissued: [],
+    stuckMelts: [],
+    uncheckedQuotes: 0,
+  };
+
+  const trustedMintUrls = await source.listTrustedMintUrls();
+  report.mints = await Promise.all(
+    trustedMintUrls.map((mintUrl) => source.probeMint(mintUrl)),
+  );
+
+  const [pendingMintOps, failedMintOps] = await Promise.all([
+    source.listPendingMintOps(),
+    source.listFailedMintOps(),
+  ]);
+  const recentQuotes = selectRecentMintQuotes(pendingMintOps, nowMs);
+  const recentIds = new Set(recentQuotes.map((op) => op.id));
+  const candidates = selectPaidUnissuedCandidates([
+    ...pendingMintOps,
+    ...failedMintOps,
+  ]);
+
+  const targets = new Map<string, DoctorMintOperation>();
+  for (const op of [...recentQuotes, ...candidates]) {
+    if (!targets.has(op.id)) targets.set(op.id, op);
+  }
+  const queue = [...targets.values()];
+  const budgetMs = source.quoteProbeBudgetMs ?? DOCTOR_QUOTE_PROBE_BUDGET_MS;
+  const concurrency =
+    source.quoteProbeConcurrency ?? DOCTOR_QUOTE_PROBE_CONCURRENCY;
+  const deadlineAt = nowMs + budgetMs;
+  let next = 0;
+  await Promise.all(
+    Array.from({ length: Math.min(concurrency, queue.length) }, async () => {
+      while (next < queue.length && Date.now() < deadlineAt) {
+        const op = queue[next++];
+        if (!op) break;
+        try {
+          const remoteState = await source.fetchQuoteState(
+            op.mintUrl,
+            op.quoteId as string,
+          );
+          if (
+            recentIds.has(op.id) &&
+            mintQuoteStateToCategory(remoteState) === "waiting"
+          ) {
+            report.unpaidQuotes.push(toUnpaidQuote(op, nowMs));
+          }
+          const finding = classifyPaidUnissued(op, remoteState);
+          if (finding) report.paidUnissued.push(finding);
+        } catch {
+          report.uncheckedQuotes++;
+        }
+      }
+    }),
+  );
+  report.uncheckedQuotes += queue.length - next;
+  // Concurrent workers push in completion order; sort for a stable report.
+  report.unpaidQuotes.sort((a, b) => a.operationId.localeCompare(b.operationId));
+  report.paidUnissued.sort((a, b) => a.operationId.localeCompare(b.operationId));
+
+  const [preparedMelts, inFlightMelts, failedMelts, inflightSecretsList] =
+    await Promise.all([
+      source.listPreparedMelts(),
+      source.listInFlightMelts(),
+      source.listFailedMelts(),
+      source.getInflightProofSecrets(),
+    ]);
+  const inflightSecrets = new Set(inflightSecretsList);
+  for (const raw of [...preparedMelts, ...inFlightMelts, ...failedMelts]) {
+    const finding = classifyStuckMelt(toDoctorMeltOperation(raw), {
+      nowMs,
+      inflightSecrets,
+    });
+    if (finding) report.stuckMelts.push(finding);
+  }
+  report.stuckMelts.sort((a, b) => a.operationId.localeCompare(b.operationId));
+
+  return report;
+}
+
+/** Map coco's melt operation rows onto the doctor's structural subset. */
+function toDoctorMeltOperation(
+  raw: Record<string, unknown>,
+): DoctorMeltOperation {
+  return {
+    id: String(raw.id),
+    mintUrl: String(raw.mintUrl),
+    quoteId: typeof raw.quoteId === "string" ? raw.quoteId : undefined,
+    state: String(raw.state),
+    amount: Number(raw.amount ?? 0),
+    feeReserve: Number(raw.fee_reserve ?? 0),
+    inputProofSecrets: Array.isArray(raw.inputProofSecrets)
+      ? raw.inputProofSecrets.map((secret) => String(secret))
+      : [],
+    createdAt: Number(raw.createdAt ?? 0),
+    updatedAt: Number(raw.updatedAt ?? 0),
+    error: typeof raw.error === "string" ? raw.error : undefined,
+  };
+}
+
+/**
+ * Resolve coco's private repositories for the doctor. Fails closed - a coco
+ * upgrade that renames them must surface here and in the doctor tests, not
+ * silently skip the failed-operation and locked-proof checks.
+ */
+function doctorRepositories(coco: Manager): {
+  mintOps: MintOperationRepositoryDoctor;
+  meltOps: MeltOperationRepositoryDoctor;
+  proofs: ProofRepositoryDoctor;
+} {
+  const inner = coco as unknown as {
+    mintOperationRepository?: MintOperationRepositoryDoctor;
+    meltOperationRepository?: MeltOperationRepositoryDoctor;
+    proofRepository?: ProofRepositoryDoctor;
+  };
+  const checks: Array<[string, object | undefined, string]> = [
+    ["mintOperationRepository", inner.mintOperationRepository, "getByState"],
+    ["meltOperationRepository", inner.meltOperationRepository, "getByState"],
+    ["proofRepository", inner.proofRepository, "getInflightProofs"],
+  ];
+  for (const [name, repo, method] of checks) {
+    if (
+      !repo ||
+      typeof (repo as Record<string, unknown>)[method] !== "function"
+    ) {
+      throw new Error(
+        `coco ${name}.${method} is unavailable; refusing to run wallet doctor with partial health checks`,
+      );
+    }
+  }
+  return {
+    mintOps: inner.mintOperationRepository as MintOperationRepositoryDoctor,
+    meltOps: inner.meltOperationRepository as MeltOperationRepositoryDoctor,
+    proofs: inner.proofRepository as ProofRepositoryDoctor,
+  };
+}
+
+/** Read-only NUT-06 reachability probe for one mint. */
+export async function probeMintInfo(mintUrl: string): Promise<DoctorMintProbe> {
+  const startedAt = Date.now();
+  try {
+    const response = await fetch(`${mintUrl.replace(/\/+$/, "")}/v1/info`, {
+      signal: AbortSignal.timeout(DOCTOR_MINT_PROBE_TIMEOUT_MS),
+    });
+    if (!response.ok) throw new Error(`HTTP ${response.status}`);
+    return {
+      mintUrl,
+      reachable: true,
+      latencyMs: Date.now() - startedAt,
+    };
+  } catch (error) {
+    return {
+      mintUrl,
+      reachable: false,
+      error: error instanceof Error ? error.message : String(error),
+    };
+  }
+}
+
+/**
+ * Read-only NUT-04 quote state fetch. Unlike coco's
+ * observePendingOperation this persists nothing, which is what keeps the
+ * doctor free of side effects.
+ */
+export async function fetchMintQuoteState(
+  mintUrl: string,
+  quoteId: string,
+): Promise<string> {
+  const response = await fetch(
+    `${mintUrl.replace(/\/+$/, "")}/v1/mint/quote/bolt11/${encodeURIComponent(quoteId)}`,
+    { signal: AbortSignal.timeout(DOCTOR_MINT_PROBE_TIMEOUT_MS) },
+  );
+  if (!response.ok) throw new Error(`HTTP ${response.status}`);
+  const body = (await response.json()) as { state?: unknown };
+  if (typeof body.state !== "string") {
+    throw new Error("mint response missing quote state");
+  }
+  return body.state;
+}
+
 export async function createCocoClient(
   options: CreateCocoClientOptions = {},
 ): Promise<WalletClient> {
@@ -2602,6 +2873,39 @@ export async function createCocoClient(
       };
     },
 
+    async diagnoseWallet() {
+      const repos = doctorRepositories(coco);
+      return runWalletDoctor({
+        listTrustedMintUrls: async () =>
+          (await coco.mint.getAllTrustedMints()).map((mint) => mint.mintUrl),
+        listPendingMintOps: async () => {
+          // listInFlight can overlap with listPending; dedupe by id.
+          const byId = new Map<string, DoctorMintOperation>();
+          for (const op of [
+            ...(await coco.ops.mint.listPending()),
+            ...(await coco.ops.mint.listInFlight()),
+          ] as unknown as DoctorMintOperation[]) {
+            byId.set(op.id, op);
+          }
+          return [...byId.values()];
+        },
+        listFailedMintOps: () => repos.mintOps.getByState("failed"),
+        listPreparedMelts: async () =>
+          coco.ops.melt.listPrepared() as unknown as Array<
+            Record<string, unknown>
+          >,
+        listInFlightMelts: async () =>
+          coco.ops.melt.listInFlight() as unknown as Array<
+            Record<string, unknown>
+          >,
+        listFailedMelts: () => repos.meltOps.getByState("failed"),
+        getInflightProofSecrets: async () =>
+          (await repos.proofs.getInflightProofs()).map((proof) => proof.secret),
+        probeMint: probeMintInfo,
+        fetchQuoteState: fetchMintQuoteState,
+      });
+    },
+
     async recoverMintQuotes(options, onProgress) {
       await waitForRecovery();
       const service = (
diff --git a/src/daemon/wallet/doctor.ts b/src/daemon/wallet/doctor.ts
index 5a04f76..386a14b 100644
--- a/src/daemon/wallet/doctor.ts
+++ b/src/daemon/wallet/doctor.ts
@@ -142,7 +142,7 @@ export interface WalletDoctorReport {
   paidUnissued: DoctorPaidUnissuedQuote[];
   /** Melt operations holding locked proofs. */
   stuckMelts: DoctorStuckMelt[];
-  /** Quotes skipped because the probe budget ran out. */
+  /** Quotes whose remote state could not be checked (probe failure or budget exhausted). */
   uncheckedQuotes: number;
 }
 
diff --git a/src/daemon/wallet/mint-quote-recovery.fake-mint.test.ts b/src/daemon/wallet/mint-quote-recovery.fake-mint.test.ts
index 69b0c06..593e795 100644
--- a/src/daemon/wallet/mint-quote-recovery.fake-mint.test.ts
+++ b/src/daemon/wallet/mint-quote-recovery.fake-mint.test.ts
@@ -15,7 +15,15 @@ import { join } from "node:path";
 import { Manager } from "@cashu/coco-core";
 import { SqliteRepositories } from "@cashu/coco-sqlite-bun";
 import { QUOTE_EXPIRED, FakeMint } from "./testing/fake-mint";
-import { reopenFailedMintOperation, runMintQuoteRecovery } from "./coco-client";
+import {
+  fetchMintQuoteState,
+  probeMintInfo,
+  reopenFailedMintOperation,
+  runMintQuoteRecovery,
+  runWalletDoctor,
+  type WalletDoctorSource,
+} from "./coco-client";
+import type { DoctorMintOperation } from "./doctor";
 
 type AnyRecord = Record<string, unknown>;
 
@@ -384,3 +392,101 @@ describe("PAID mint quote recovery with a real Manager and mint", () => {
     expect(await booted.spendable()).toBe(21_000);
   });
 });
+
+describe("wallet doctor with a real Manager and mint", () => {
+  function doctorSource(booted: Booted): WalletDoctorSource {
+    const manager = booted.manager;
+    const repos = manager as unknown as {
+      mintOperationRepository: {
+        getByState(state: string): Promise<DoctorMintOperation[]>;
+      };
+      meltOperationRepository: {
+        getByState(state: string): Promise<AnyRecord[]>;
+      };
+      proofRepository: {
+        getInflightProofs(): Promise<Array<{ secret: string }>>;
+      };
+    };
+    return {
+      listTrustedMintUrls: async () =>
+        (await manager.mint.getAllTrustedMints()).map((mint) => mint.mintUrl),
+      listPendingMintOps: async () => {
+        const byId = new Map<string, DoctorMintOperation>();
+        for (const op of [
+          ...(await manager.ops.mint.listPending()),
+          ...(await manager.ops.mint.listInFlight()),
+        ] as unknown as DoctorMintOperation[]) {
+          byId.set(op.id, op);
+        }
+        return [...byId.values()];
+      },
+      listFailedMintOps: () => repos.mintOperationRepository.getByState("failed"),
+      listPreparedMelts: async () =>
+        manager.ops.melt.listPrepared() as unknown as AnyRecord[],
+      listInFlightMelts: async () =>
+        manager.ops.melt.listInFlight() as unknown as AnyRecord[],
+      listFailedMelts: () => repos.meltOperationRepository.getByState("failed"),
+      getInflightProofSecrets: async () =>
+        (await repos.proofRepository.getInflightProofs()).map(
+          (proof) => proof.secret,
+        ),
+      probeMint: probeMintInfo,
+      fetchQuoteState: fetchMintQuoteState,
+    };
+  }
+
+  it("surfaces unpaid, then paid-unissued, then a clean bill after recovery", async () => {
+    booted = await boot({ quoteExpiry: null });
+    const op = await prepareQuote(booted, 100);
+
+    // Fresh quote, unpaid: the doctor reaches the mint and lists the quote.
+    const unpaid = await runWalletDoctor(doctorSource(booted));
+    expect(unpaid.mints).toHaveLength(1);
+    expect(unpaid.mints[0]?.reachable).toBe(true);
+    expect(unpaid.paidUnissued).toEqual([]);
+    expect(unpaid.uncheckedQuotes).toBe(0);
+    expect(unpaid.unpaidQuotes).toHaveLength(1);
+    expect(unpaid.unpaidQuotes[0]).toMatchObject({
+      operationId: op.id as string,
+      amount: 100,
+    });
+
+    // The quote gets paid while the daemon is "down": the doctor surfaces
+    // exactly the stuck scenario recovery exists for, with the recover hint.
+    booted.mint.markPaid(op.quoteId as string);
+    const stuck = await runWalletDoctor(doctorSource(booted));
+    expect(stuck.unpaidQuotes).toEqual([]);
+    expect(stuck.paidUnissued).toHaveLength(1);
+    expect(stuck.paidUnissued[0]).toMatchObject({
+      operationId: op.id as string,
+      remoteState: "PAID",
+      amount: 100,
+      remediation: `routstrd wallet recover --op ${op.id as string}`,
+    });
+
+    // Recovery claims the sats; the doctor goes back to all-green.
+    const recovered = (await runMintQuoteRecovery(
+      booted.source() as never,
+    )) as unknown as Record<string, number>;
+    expect(recovered).toMatchObject({ recovered: 1 });
+    const clean = await runWalletDoctor(doctorSource(booted));
+    expect(clean.unpaidQuotes).toEqual([]);
+    expect(clean.paidUnissued).toEqual([]);
+    expect(clean.stuckMelts).toEqual([]);
+    expect(clean.uncheckedQuotes).toBe(0);
+  });
+
+  it("reports unreachable mints without failing the other checks", async () => {
+    booted = await boot({ quoteExpiry: null });
+    await prepareQuote(booted, 100);
+    booted.mint.stop();
+
+    const report = await runWalletDoctor(doctorSource(booted));
+    expect(report.mints[0]?.reachable).toBe(false);
+    // The quote probe fails too, and is counted rather than dropped.
+    expect(report.uncheckedQuotes).toBe(1);
+    expect(report.unpaidQuotes).toEqual([]);
+    expect(report.paidUnissued).toEqual([]);
+    booted.mint.start();
+  });
+});