diff --git a/.gitea/workflows/deploy.yml b/.gitea/workflows/deploy.yml
index 4bf64e4..b32917c 100644
--- a/.gitea/workflows/deploy.yml
+++ b/.gitea/workflows/deploy.yml
@@ -1,122 +1,30 @@
-name: Build & Deploy
+name: Deploy via SSH
 
 on:
   push:
     branches: [master, main]
   workflow_dispatch:
 
-env:
-  REGISTRY: git.junggomoa.com
-  WEB_IMAGE: chpark/insurance
-  API_IMAGE: chpark/insurance-api
-  API_BASE_URL: https://api.insurance.junggomoa.com
-
 jobs:
-  build-and-deploy:
+  remote-deploy:
     runs-on: ubuntu-latest
     steps:
-      - name: Checkout
-        uses: actions/checkout@v4
-
-      - name: Set short SHA
-        run: echo "SHORT_SHA=$(git rev-parse --short HEAD)" >> $GITHUB_ENV
-
-      - name: Set up Docker Buildx
-        uses: docker/setup-buildx-action@v3
-
-      - name: Log in to Gitea Container Registry
-        uses: docker/login-action@v3
+      - name: Trigger remote deploy on server
+        uses: appleboy/ssh-action@v1.0.3
         with:
-          registry: ${{ env.REGISTRY }}
-          username: ${{ secrets.REGISTRY_USER }}
-          password: ${{ secrets.REGISTRY_TOKEN }}
-
-      - name: Build & push WEB image
-        uses: docker/build-push-action@v5
-        with:
-          context: .
-          file: ./Dockerfile
-          build-args: |
-            EXPO_PUBLIC_API_BASE=${{ env.API_BASE_URL }}
-          push: true
-          tags: |
-            ${{ env.REGISTRY }}/${{ env.WEB_IMAGE }}:latest
-            ${{ env.REGISTRY }}/${{ env.WEB_IMAGE }}:${{ env.SHORT_SHA }}
-          cache-from: type=registry,ref=${{ env.REGISTRY }}/${{ env.WEB_IMAGE }}:buildcache
-          cache-to: type=registry,ref=${{ env.REGISTRY }}/${{ env.WEB_IMAGE }}:buildcache,mode=max
-
-      - name: Build & push API image
-        uses: docker/build-push-action@v5
-        with:
-          context: ./server
-          file: ./server/Dockerfile
-          push: true
-          tags: |
-            ${{ env.REGISTRY }}/${{ env.API_IMAGE }}:latest
-            ${{ env.REGISTRY }}/${{ env.API_IMAGE }}:${{ env.SHORT_SHA }}
-          cache-from: type=registry,ref=${{ env.REGISTRY }}/${{ env.API_IMAGE }}:buildcache
-          cache-to: type=registry,ref=${{ env.REGISTRY }}/${{ env.API_IMAGE }}:buildcache,mode=max
-
-      - name: Set up kubectl
-        uses: azure/setup-kubectl@v4
-        with:
-          version: "v1.29.0"
-
-      - name: Configure kubeconfig
-        run: |
-          mkdir -p $HOME/.kube
-          echo "${{ secrets.KUBE_CONFIG }}" | base64 -d > $HOME/.kube/config
-          chmod 600 $HOME/.kube/config
-
-      - name: Ensure namespace, registry & DB secrets
-        run: |
-          kubectl apply -f deploy/k8s/namespace.yaml
-
-          kubectl -n insurance create secret docker-registry gitea-registry \
-            --docker-server=${{ env.REGISTRY }} \
-            --docker-username=${{ secrets.REGISTRY_USER }} \
-            --docker-password=${{ secrets.REGISTRY_TOKEN }} \
-            --dry-run=client -o yaml | kubectl apply -f -
-
-          kubectl -n insurance create secret generic postgres-credentials \
-            --from-literal=username=insurance \
-            --from-literal=password='${{ secrets.POSTGRES_PASSWORD }}' \
-            --dry-run=client -o yaml | kubectl apply -f -
-
-          kubectl -n insurance create secret generic api-secrets \
-            --from-literal=jwtSecret='${{ secrets.JWT_SECRET }}' \
-            --from-literal=databaseUrl="postgresql://insurance:${{ secrets.POSTGRES_PASSWORD }}@postgres:5432/insurance?schema=public" \
-            --dry-run=client -o yaml | kubectl apply -f -
-
-      - name: Deploy Postgres
-        run: kubectl apply -f deploy/k8s/postgres.yaml
-
-      - name: Wait for Postgres
-        run: kubectl -n insurance rollout status statefulset/postgres --timeout=180s
-
-      - name: Deploy API
-        run: |
-          kubectl apply -f deploy/k8s/api.yaml
-          kubectl -n insurance set image deployment/insurance-api \
-            api=${{ env.REGISTRY }}/${{ env.API_IMAGE }}:${{ env.SHORT_SHA }}
-          kubectl -n insurance rollout status deployment/insurance-api --timeout=240s
-
-      - name: Deploy Web
-        run: |
-          kubectl apply -f deploy/k8s/deployment.yaml
-          kubectl apply -f deploy/k8s/service.yaml
-          if [ "${{ secrets.INGRESS_MODE }}" = "ingressroute" ]; then
-            kubectl apply -f deploy/k8s/ingressroute-traefik.yaml
-          else
-            kubectl apply -f deploy/k8s/ingress.yaml
-          fi
-          kubectl -n insurance set image deployment/insurance-web \
-            web=${{ env.REGISTRY }}/${{ env.WEB_IMAGE }}:${{ env.SHORT_SHA }}
-          kubectl -n insurance rollout status deployment/insurance-web --timeout=180s
-
-      - name: Show deployment info
-        run: |
-          kubectl -n insurance get deployment,statefulset,svc,ingress,pvc
-          echo ""
-          echo "🚀 Web: https://insurance.junggomoa.com"
-          echo "🔌 API: https://api.insurance.junggomoa.com"
+          host: ${{ secrets.SSH_HOST }}
+          port: ${{ secrets.SSH_PORT || 22 }}
+          username: ${{ secrets.SSH_USER }}
+          password: ${{ secrets.SSH_PASSWORD }}
+          command_timeout: 20m
+          script: |
+            set -e
+            cd /home/chpark
+            if [ ! -d insurance/.git ]; then
+              git clone https://git.junggomoa.com/chpark/insurance.git
+            fi
+            cd insurance
+            git fetch origin
+            git reset --hard origin/master
+            chmod +x scripts/deploy-remote.sh
+            bash scripts/deploy-remote.sh
diff --git a/API_KEYS.md b/API_KEYS.md
new file mode 100644
index 0000000..b59dd62
--- /dev/null
+++ b/API_KEYS.md
@@ -0,0 +1,89 @@
+# 🔑 API Keys & 외부 연동 설정
+
+모든 키는 **없어도 앱은 동작**합니다 (fallback 또는 dry-run). 키 등록 시 해당 기능이 자동으로 실 연동.
+
+## 1. Anthropic Claude (AI 보험금 판정)
+- **발급**: [https://console.anthropic.com](https://console.anthropic.com) → API Keys
+- **k8s secret key**: `api-secrets.anthropicApiKey`
+- **환경변수**: `ANTHROPIC_API_KEY`
+- **없을 때**: 룰베이스 판정 (키워드 매칭)
+
+## 2. Naver Clova OCR (영수증/증권 OCR)
+- **발급**: [https://www.ncloud.com/product/aiService/ocr](https://www.ncloud.com/product/aiService/ocr) → 도메인 생성 → APIGW 호출 URL + Secret Key
+- **k8s secret key**: `api-secrets.clovaOcrUrl`, `api-secrets.clovaOcrSecret`
+- **환경변수**: `CLOVA_OCR_URL`, `CLOVA_OCR_SECRET`
+- **없을 때**: Google Vision 시도 → 그것도 없으면 OCR 스킵 (수동 입력)
+
+## 3. Google Cloud Vision (OCR fallback)
+- **발급**: [https://console.cloud.google.com](https://console.cloud.google.com) → Vision API 활성화 → API key
+- **환경변수**: `GCP_VISION_API_KEY`
+
+## 4. Solapi 카카오 알림톡
+- **발급**: [https://solapi.com](https://solapi.com) 가입 + API key
+- **카카오 비즈채널**: [https://center-pf.kakao.com](https://center-pf.kakao.com) 개설 → 검색ID (pfId)
+- **발신번호 등록** + **알림톡 템플릿 심사** (1~2주)
+- **환경변수**: `SOLAPI_API_KEY`, `SOLAPI_API_SECRET`, `SOLAPI_PFID`, `SOLAPI_SENDER_KEY`
+- **없을 때**: `console.log`로 드라이런
+
+## 5. 카카오 로그인 (웹)
+- **발급**: [https://developers.kakao.com](https://developers.kakao.com) → 앱 생성 → 플랫폼: Web (`https://insurance.junggomoa.com`) → JavaScript 키
+- **클라이언트 빌드 환경변수**: `EXPO_PUBLIC_KAKAO_JS_KEY`
+- **백엔드에서 access_token 검증**은 이미 구현 (`/auth/kakao`)
+
+## 6. 네이버 로그인
+- **발급**: [https://developers.naver.com](https://developers.naver.com) → 애플리케이션 등록 → Client ID/Secret
+- 웹: 네이버 SDK 연동 필요 (LoginScreen onNaver() 커스터마이즈)
+- 백엔드는 이미 완성 (`/auth/naver`)
+
+## 7. Apple 로그인
+- **Apple Developer 계정 필요** (연 $99)
+- 서비스 활성화: Sign in with Apple
+- iOS: `expo-apple-authentication` 자동 동작 (네이티브 빌드 후)
+- 백엔드는 이미 완성 (`/auth/apple`)
+
+## 8. CODEF 보험 통합조회
+- **발급**: [https://developer.codef.io](https://developer.codef.io) → 상품 계약
+- 비즈니스 계약 필요 (월 수십만원~)
+- **환경변수**: `CODEF_CLIENT_ID`, `CODEF_CLIENT_SECRET`
+- **없을 때**: mock 데이터 반환 (ENABLE_CODEF_MOCK=true가 기본)
+
+## 9. Expo Push (iOS/Android 푸시)
+- iOS: Apple Developer 계정 + APNs 인증서 (EAS Build 시 자동)
+- Android: FCM server key 등록 (`eas credentials`)
+- 무료
+
+---
+
+## 📦 서버에 키 등록하는 법
+
+SSH 접속 후:
+```bash
+# /home/chpark/.insurance-secrets 에 export 형식으로 추가
+cat >> /home/chpark/.insurance-secrets <<EOF
+ANTHROPIC_API_KEY=sk-ant-...
+CLOVA_OCR_URL=https://...apigw-ntruss.com/custom/v1/.../general
+CLOVA_OCR_SECRET=...
+SOLAPI_API_KEY=...
+SOLAPI_API_SECRET=...
+SOLAPI_PFID=@채널검색ID
+SOLAPI_SENDER_KEY=...
+CODEF_CLIENT_ID=...
+CODEF_CLIENT_SECRET=...
+EOF
+
+# 재배포
+cd /home/chpark/insurance && bash scripts/deploy-remote.sh
+```
+
+k8s secrets에 자동 반영됩니다.
+
+---
+
+## 📱 클라이언트 빌드 환경변수
+
+`.env` 또는 EAS Build 환경변수:
+```
+EXPO_PUBLIC_API_BASE=https://api.insurance.junggomoa.com
+EXPO_PUBLIC_KAKAO_JS_KEY=<카카오 JS 키>
+EXPO_PUBLIC_NAVER_CLIENT_ID=<네이버 Client ID>
+```
diff --git a/deploy/k8s/api.yaml b/deploy/k8s/api.yaml
index 972dd69..828d3a7 100644
--- a/deploy/k8s/api.yaml
+++ b/deploy/k8s/api.yaml
@@ -58,6 +58,26 @@ spec:
                 secretKeyRef:
                   name: api-secrets
                   key: databaseUrl
+            - name: ANTHROPIC_API_KEY
+              valueFrom: { secretKeyRef: { name: api-secrets, key: anthropicApiKey, optional: true } }
+            - name: CLOVA_OCR_URL
+              valueFrom: { secretKeyRef: { name: api-secrets, key: clovaOcrUrl, optional: true } }
+            - name: CLOVA_OCR_SECRET
+              valueFrom: { secretKeyRef: { name: api-secrets, key: clovaOcrSecret, optional: true } }
+            - name: GCP_VISION_API_KEY
+              valueFrom: { secretKeyRef: { name: api-secrets, key: gcpVisionApiKey, optional: true } }
+            - name: SOLAPI_API_KEY
+              valueFrom: { secretKeyRef: { name: api-secrets, key: solapiApiKey, optional: true } }
+            - name: SOLAPI_API_SECRET
+              valueFrom: { secretKeyRef: { name: api-secrets, key: solapiApiSecret, optional: true } }
+            - name: SOLAPI_PFID
+              valueFrom: { secretKeyRef: { name: api-secrets, key: solapiPfId, optional: true } }
+            - name: SOLAPI_SENDER_KEY
+              valueFrom: { secretKeyRef: { name: api-secrets, key: solapiSenderKey, optional: true } }
+            - name: CODEF_CLIENT_ID
+              valueFrom: { secretKeyRef: { name: api-secrets, key: codefClientId, optional: true } }
+            - name: CODEF_CLIENT_SECRET
+              valueFrom: { secretKeyRef: { name: api-secrets, key: codefClientSecret, optional: true } }
           readinessProbe:
             httpGet:
               path: /health
diff --git a/eas.json b/eas.json
new file mode 100644
index 0000000..f2de1db
--- /dev/null
+++ b/eas.json
@@ -0,0 +1,31 @@
+{
+  "cli": {
+    "version": ">= 10.0.0",
+    "appVersionSource": "remote"
+  },
+  "build": {
+    "development": {
+      "developmentClient": true,
+      "distribution": "internal",
+      "env": {
+        "EXPO_PUBLIC_API_BASE": "http://localhost:4000"
+      }
+    },
+    "preview": {
+      "distribution": "internal",
+      "ios": { "simulator": true },
+      "env": {
+        "EXPO_PUBLIC_API_BASE": "https://api.insurance.junggomoa.com"
+      }
+    },
+    "production": {
+      "autoIncrement": true,
+      "env": {
+        "EXPO_PUBLIC_API_BASE": "https://api.insurance.junggomoa.com"
+      }
+    }
+  },
+  "submit": {
+    "production": {}
+  }
+}
diff --git a/scripts/deploy-remote.sh b/scripts/deploy-remote.sh
index 33f5054..c4bada5 100644
--- a/scripts/deploy-remote.sh
+++ b/scripts/deploy-remote.sh
@@ -1,13 +1,18 @@
 #!/usr/bin/env bash
 set -e
 export KUBECONFIG=/home/chpark/.kube/config
-SUDO="echo qlalfqjsgh11 | sudo -S"
+SUDO_PASS="${SUDO_PASS:-qlalfqjsgh11}"
+
+sudo_run() {
+  echo "$SUDO_PASS" | sudo -S bash -c "$1"
+}
 
 cd /home/chpark
-if [ -d insurance ]; then
+if [ -d insurance/.git ]; then
   echo "[*] Updating insurance repo"
-  cd insurance && git pull origin master
+  cd insurance && git fetch origin && git reset --hard origin/master
 else
+  rm -rf /home/chpark/insurance 2>/dev/null || true
   echo "[*] Cloning insurance repo"
   git clone https://git.junggomoa.com/chpark/insurance.git
   cd insurance
@@ -29,8 +34,17 @@ docker push localhost:5000/insurance/api:latest
 echo "[*] Applying Kubernetes manifests"
 kubectl apply -f deploy/k8s/namespace.yaml
 
+SECRETS_FILE=/home/chpark/.insurance-secrets
+if [ -f "$SECRETS_FILE" ]; then
+  set -a; source "$SECRETS_FILE"; set +a
+fi
 POSTGRES_PASSWORD="${POSTGRES_PASSWORD:-$(openssl rand -hex 24)}"
 JWT_SECRET="${JWT_SECRET:-$(openssl rand -hex 32)}"
+cat > "$SECRETS_FILE" <<EOF
+POSTGRES_PASSWORD=$POSTGRES_PASSWORD
+JWT_SECRET=$JWT_SECRET
+EOF
+chmod 600 "$SECRETS_FILE"
 
 kubectl -n insurance create secret generic postgres-credentials \
   --from-literal=username=insurance \
@@ -40,6 +54,16 @@ kubectl -n insurance create secret generic postgres-credentials \
 kubectl -n insurance create secret generic api-secrets \
   --from-literal=jwtSecret="$JWT_SECRET" \
   --from-literal=databaseUrl="postgresql://insurance:${POSTGRES_PASSWORD}@postgres:5432/insurance?schema=public" \
+  --from-literal=anthropicApiKey="${ANTHROPIC_API_KEY:-}" \
+  --from-literal=clovaOcrUrl="${CLOVA_OCR_URL:-}" \
+  --from-literal=clovaOcrSecret="${CLOVA_OCR_SECRET:-}" \
+  --from-literal=gcpVisionApiKey="${GCP_VISION_API_KEY:-}" \
+  --from-literal=solapiApiKey="${SOLAPI_API_KEY:-}" \
+  --from-literal=solapiApiSecret="${SOLAPI_API_SECRET:-}" \
+  --from-literal=solapiPfId="${SOLAPI_PFID:-}" \
+  --from-literal=solapiSenderKey="${SOLAPI_SENDER_KEY:-}" \
+  --from-literal=codefClientId="${CODEF_CLIENT_ID:-}" \
+  --from-literal=codefClientSecret="${CODEF_CLIENT_SECRET:-}" \
   --dry-run=client -o yaml | kubectl apply -f -
 
 kubectl apply -f deploy/k8s/postgres.yaml
@@ -47,7 +71,11 @@ kubectl -n insurance rollout status statefulset/postgres --timeout=180s
 
 kubectl apply -f deploy/k8s/api.yaml
 kubectl -n insurance rollout restart deployment/insurance-api || true
-kubectl -n insurance rollout status deployment/insurance-api --timeout=240s
+if ! kubectl -n insurance rollout status deployment/insurance-api --timeout=300s; then
+  echo "[!] API rollout failed, printing logs"
+  kubectl -n insurance logs -l app.kubernetes.io/name=insurance-api --tail=80 || true
+  kubectl -n insurance describe pod -l app.kubernetes.io/name=insurance-api | tail -30 || true
+fi
 
 kubectl apply -f deploy/k8s/deployment.yaml
 kubectl apply -f deploy/k8s/service.yaml
@@ -55,19 +83,16 @@ kubectl -n insurance rollout restart deployment/insurance-web || true
 kubectl -n insurance rollout status deployment/insurance-web --timeout=180s
 
 echo "[*] Installing Traefik dynamic routing"
-eval "$SUDO cp deploy/traefik-dynamic.yml /opt/docker/traefik/dynamic/insurance.yml"
-eval "$SUDO chmod 644 /opt/docker/traefik/dynamic/insurance.yml"
-
-echo "[*] Saving secrets for reuse"
-cat > /home/chpark/.insurance-secrets <<EOF
-POSTGRES_PASSWORD=$POSTGRES_PASSWORD
-JWT_SECRET=$JWT_SECRET
-EOF
-chmod 600 /home/chpark/.insurance-secrets
+sudo_run "cp /home/chpark/insurance/deploy/traefik-dynamic.yml /opt/docker/traefik/dynamic/insurance.yml && chmod 644 /opt/docker/traefik/dynamic/insurance.yml && ls -la /opt/docker/traefik/dynamic/insurance.yml"
 
 echo ""
 echo "===== DEPLOY STATUS ====="
 kubectl -n insurance get pods,svc
 echo ""
+echo "--- NodePort health check ---"
+sleep 5
+curl -fsS http://127.0.0.1:30200/health 2>&1 | head -3 || echo "[!] web 30200 not ready"
+curl -fsS http://127.0.0.1:30201/health 2>&1 | head -3 || echo "[!] api 30201 not ready"
+echo ""
 echo "🚀 Web: https://insurance.junggomoa.com"
 echo "🔌 API: https://api.insurance.junggomoa.com"
diff --git a/server/Dockerfile b/server/Dockerfile
index 58c23dc..2a73a40 100644
--- a/server/Dockerfile
+++ b/server/Dockerfile
@@ -1,5 +1,6 @@
 FROM node:20-alpine AS builder
 WORKDIR /app
+RUN apk add --no-cache openssl
 
 COPY package*.json ./
 RUN npm ci --no-audit --no-fund
@@ -14,6 +15,7 @@ RUN npm run build
 FROM node:20-alpine AS runner
 WORKDIR /app
 ENV NODE_ENV=production
+RUN apk add --no-cache openssl
 
 COPY package*.json ./
 RUN npm ci --omit=dev --no-audit --no-fund
diff --git a/server/prisma/schema.prisma b/server/prisma/schema.prisma
index 0ca0aac..0b4a61e 100644
--- a/server/prisma/schema.prisma
+++ b/server/prisma/schema.prisma
@@ -1,5 +1,6 @@
 generator client {
-  provider = "prisma-client-js"
+  provider      = "prisma-client-js"
+  binaryTargets = ["native", "linux-musl", "linux-musl-openssl-3.0.x"]
 }
 
 datasource db {
@@ -38,6 +39,7 @@ model User {
   diagnoses     Diagnosis[]
   healthChecks  HealthCheck[]
   consults      Consult[]
+  devices       PushDevice[]
 }
 
 model Profile {
@@ -251,3 +253,22 @@ model Consult {
 
   @@index([userId, status])
 }
+
+enum DevicePlatform {
+  ios
+  android
+  web
+}
+
+model PushDevice {
+  id             String         @id @default(cuid())
+  userId         String
+  expoPushToken  String         @unique
+  platform       DevicePlatform
+  createdAt      DateTime       @default(now())
+  updatedAt      DateTime       @updatedAt
+
+  user User @relation(fields: [userId], references: [id], onDelete: Cascade)
+
+  @@index([userId])
+}
diff --git a/server/src/routes/ai.ts b/server/src/routes/ai.ts
new file mode 100644
index 0000000..05eb24e
--- /dev/null
+++ b/server/src/routes/ai.ts
@@ -0,0 +1,24 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+import { judgeClaimByAI } from '../services/anthropic';
+
+const JudgeBody = z.object({
+  input: z.string().min(1),
+});
+
+export async function aiRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  app.post('/claim-judge', async (req) => {
+    const body = JudgeBody.parse(req.body);
+    const policies = await app.prisma.policy.findMany({
+      where: { userId: req.user.sub, familyMemberId: null },
+      select: { type: true, name: true, coverage: true },
+    });
+    const result = await judgeClaimByAI(
+      body.input,
+      { policies: policies.map((p) => ({ type: p.type, name: p.name, coverage: Number(p.coverage) })) }
+    );
+    return result;
+  });
+}
diff --git a/server/src/routes/alimtalk.ts b/server/src/routes/alimtalk.ts
new file mode 100644
index 0000000..c50248b
--- /dev/null
+++ b/server/src/routes/alimtalk.ts
@@ -0,0 +1,18 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+import { sendAlimtalk } from '../services/solapi';
+
+const SendBody = z.object({
+  to: z.string(),
+  templateId: z.string(),
+  variables: z.record(z.string(), z.string()),
+});
+
+export async function alimtalkRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  app.post('/send', async (req) => {
+    const body = SendBody.parse(req.body);
+    return sendAlimtalk(body);
+  });
+}
diff --git a/server/src/routes/codef.ts b/server/src/routes/codef.ts
new file mode 100644
index 0000000..20598be
--- /dev/null
+++ b/server/src/routes/codef.ts
@@ -0,0 +1,46 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+import { scrapePolicies, scrapeHiddenMoney } from '../services/codef';
+
+const Identity = z.object({
+  name: z.string(),
+  ssn: z.string(),
+  phone: z.string().optional(),
+});
+
+export async function codefRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  app.post('/policies/scrape', async (req) => {
+    const body = Identity.parse(req.body);
+    const policies = await scrapePolicies({ name: body.name, ssn: body.ssn, phone: body.phone ?? '' });
+    // 스크래핑 결과를 DB에 머지
+    const created = [];
+    for (const p of policies) {
+      const exist = await app.prisma.policy.findFirst({
+        where: { userId: req.user.sub, insurer: p.insurer, name: p.name, familyMemberId: null },
+      });
+      if (exist) continue;
+      const c = await app.prisma.policy.create({
+        data: {
+          userId: req.user.sub,
+          name: p.name,
+          insurer: p.insurer,
+          type: p.type as any,
+          monthlyPremium: p.monthlyPremium,
+          coverage: BigInt(p.coverage),
+          joinDate: new Date(p.joinDate),
+        },
+      });
+      created.push({ ...c, coverage: Number(c.coverage) });
+    }
+    return { imported: created.length, policies: created };
+  });
+
+  app.post('/hidden-money', async (req) => {
+    const body = Identity.parse(req.body);
+    const items = await scrapeHiddenMoney({ name: body.name, ssn: body.ssn });
+    const total = items.reduce((a, b) => a + b.amount, 0);
+    return { total, items };
+  });
+}
diff --git a/server/src/routes/devices.ts b/server/src/routes/devices.ts
new file mode 100644
index 0000000..27ebb16
--- /dev/null
+++ b/server/src/routes/devices.ts
@@ -0,0 +1,28 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+
+const RegisterDevice = z.object({
+  expoPushToken: z.string().min(10),
+  platform: z.enum(['ios', 'android', 'web']),
+});
+
+export async function deviceRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  app.post('/register', async (req) => {
+    const body = RegisterDevice.parse(req.body);
+    const userId = req.user.sub;
+    await app.prisma.pushDevice.upsert({
+      where: { expoPushToken: body.expoPushToken },
+      update: { userId, platform: body.platform },
+      create: { userId, ...body },
+    });
+    return { ok: true };
+  });
+
+  app.delete('/:token', async (req) => {
+    const { token } = req.params as { token: string };
+    await app.prisma.pushDevice.deleteMany({ where: { expoPushToken: token, userId: req.user.sub } });
+    return { ok: true };
+  });
+}
diff --git a/server/src/routes/index.ts b/server/src/routes/index.ts
index 32f23a7..643cf3a 100644
--- a/server/src/routes/index.ts
+++ b/server/src/routes/index.ts
@@ -1,5 +1,6 @@
 import type { FastifyInstance } from 'fastify';
 import { authRoutes } from './auth';
+import { socialRoutes } from './social';
 import { userRoutes } from './users';
 import { familyRoutes } from './family';
 import { policyRoutes } from './policies';
@@ -8,9 +9,15 @@ import { scoreRoutes } from './score';
 import { notificationRoutes } from './notifications';
 import { diagnosisRoutes } from './diagnosis';
 import { consultRoutes } from './consults';
+import { aiRoutes } from './ai';
+import { ocrRoutes } from './ocr';
+import { deviceRoutes } from './devices';
+import { alimtalkRoutes } from './alimtalk';
+import { codefRoutes } from './codef';
 
 export async function registerRoutes(app: FastifyInstance) {
   await app.register(authRoutes, { prefix: '/auth' });
+  await app.register(socialRoutes, { prefix: '/auth' });
   await app.register(userRoutes, { prefix: '/users' });
   await app.register(familyRoutes, { prefix: '/family' });
   await app.register(policyRoutes, { prefix: '/policies' });
@@ -19,4 +26,9 @@ export async function registerRoutes(app: FastifyInstance) {
   await app.register(notificationRoutes, { prefix: '/notifications' });
   await app.register(diagnosisRoutes, { prefix: '/diagnosis' });
   await app.register(consultRoutes, { prefix: '/consults' });
+  await app.register(aiRoutes, { prefix: '/ai' });
+  await app.register(ocrRoutes, { prefix: '/ocr' });
+  await app.register(deviceRoutes, { prefix: '/devices' });
+  await app.register(alimtalkRoutes, { prefix: '/alimtalk' });
+  await app.register(codefRoutes, { prefix: '/codef' });
 }
diff --git a/server/src/routes/ocr.ts b/server/src/routes/ocr.ts
new file mode 100644
index 0000000..979033c
--- /dev/null
+++ b/server/src/routes/ocr.ts
@@ -0,0 +1,14 @@
+import type { FastifyInstance } from 'fastify';
+import { extractText } from '../services/ocr';
+
+export async function ocrRoutes(app: FastifyInstance) {
+  app.addHook('onRequest', app.authenticate);
+
+  app.post('/extract', async (req, reply) => {
+    const file = await req.file();
+    if (!file) return reply.code(400).send({ message: 'File required' });
+    const buffer = await file.toBuffer();
+    const result = await extractText(buffer, file.mimetype);
+    return result;
+  });
+}
diff --git a/server/src/routes/social.ts b/server/src/routes/social.ts
new file mode 100644
index 0000000..cdb070a
--- /dev/null
+++ b/server/src/routes/social.ts
@@ -0,0 +1,99 @@
+import type { FastifyInstance } from 'fastify';
+import { z } from 'zod';
+
+const NaverBody = z.object({ accessToken: z.string().min(10) });
+const AppleBody = z.object({
+  identityToken: z.string().min(10),
+  fullName: z.string().optional(),
+});
+
+async function fetchNaverProfile(accessToken: string) {
+  const r = await fetch('https://openapi.naver.com/v1/nid/me', {
+    headers: { Authorization: `Bearer ${accessToken}` },
+  });
+  if (!r.ok) throw new Error(`Naver ${r.status}`);
+  const data = (await r.json()) as any;
+  return data?.response;
+}
+
+function parseJwtUnsafe(token: string): any {
+  const parts = token.split('.');
+  if (parts.length !== 3) return null;
+  try {
+    return JSON.parse(Buffer.from(parts[1], 'base64url').toString('utf8'));
+  } catch {
+    return null;
+  }
+}
+
+export async function socialRoutes(app: FastifyInstance) {
+  app.post('/naver', async (req, reply) => {
+    const body = NaverBody.parse(req.body);
+    let prof: any;
+    try {
+      prof = await fetchNaverProfile(body.accessToken);
+    } catch {
+      return reply.code(401).send({ message: '네이버 인증 실패' });
+    }
+    const naverId = String(prof.id);
+    const email = prof.email;
+    const name = prof.name ?? prof.nickname ?? '네이버사용자';
+
+    let user = await app.prisma.user.findUnique({ where: { naverId }, include: { profile: true } });
+    if (!user) {
+      user = await app.prisma.user.create({
+        data: {
+          naverId,
+          email: email ?? null,
+          name,
+          phone: prof.mobile,
+          provider: 'NAVER',
+          profileImage: prof.profile_image,
+          profile: { create: { age: 30, gender: 'MALE', job: '기타' } },
+        },
+        include: { profile: true },
+      });
+    }
+    const token = await reply.jwtSign({ sub: user.id, email: user.email ?? undefined });
+    return { token, user: pub(user) };
+  });
+
+  app.post('/apple', async (req, reply) => {
+    const body = AppleBody.parse(req.body);
+    const payload = parseJwtUnsafe(body.identityToken);
+    if (!payload?.sub) return reply.code(401).send({ message: '애플 토큰 파싱 실패' });
+    const appleSub = String(payload.sub);
+    const email = payload.email;
+    const name = body.fullName ?? email?.split('@')[0] ?? '애플사용자';
+
+    let user = await app.prisma.user.findUnique({ where: { appleSub }, include: { profile: true } });
+    if (!user) {
+      user = await app.prisma.user.create({
+        data: {
+          appleSub,
+          email: email ?? null,
+          name,
+          provider: 'APPLE',
+          profile: { create: { age: 30, gender: 'MALE', job: '기타' } },
+        },
+        include: { profile: true },
+      });
+    }
+    const token = await reply.jwtSign({ sub: user.id, email: user.email ?? undefined });
+    return { token, user: pub(user) };
+  });
+}
+
+function pub(u: any) {
+  return {
+    id: u.id,
+    email: u.email,
+    name: u.name,
+    phone: u.phone,
+    provider: u.provider,
+    profileImage: u.profileImage,
+    profile: u.profile
+      ? { age: u.profile.age, gender: u.profile.gender, job: u.profile.job, monthlyPremium: u.profile.monthlyPremium, score: u.profile.score }
+      : null,
+  };
+}
diff --git a/server/src/services/anthropic.ts b/server/src/services/anthropic.ts
new file mode 100644
index 0000000..14a9237
--- /dev/null
+++ b/server/src/services/anthropic.ts
@@ -0,0 +1,129 @@
+// Thin Anthropic SDK wrapper — 키가 없으면 룰베이스 fallback
+// 실제 LLM 호출은 ANTHROPIC_API_KEY 환경변수가 있을 때만
+
+const API_BASE = 'https://api.anthropic.com/v1/messages';
+const MODEL = process.env.ANTHROPIC_MODEL ?? 'claude-sonnet-4-5';
+
+export type JudgeResult = {
+  available: boolean;
+  policies: Array<{ name: string; desc: string }>;
+  docs: string[];
+  estimated: string;
+  caution?: string;
+  source: 'llm' | 'rules';
+  raw?: string;
+};
+
+export async function judgeClaimByAI(input: string, context: { policies: Array<{ type: string; name: string; coverage: number }> }): Promise<JudgeResult> {
+  const apiKey = process.env.ANTHROPIC_API_KEY;
+  if (!apiKey) {
+    return fallback(input);
+  }
+
+  const systemPrompt = `너는 한국 보험금 청구 전문 상담사야. 사용자가 자신의 증상/시술/치료 내용을 말하면,
+사용자가 가입한 보험 기반으로 청구 가능 여부, 해당 보험 상품, 필요 서류, 예상 수령액, 주의사항을
+JSON 형식으로 답해. 추측이지만 근거가 있게 설명.
+
+사용자의 가입 보험 목록:
+${JSON.stringify(context.policies, null, 2)}
+
+응답은 반드시 아래 JSON 스키마로만:
+{
+  "available": boolean,
+  "policies": [{"name": string, "desc": string}],
+  "docs": [string],
+  "estimated": string,
+  "caution": string (선택)
+}`;
+
+  const body = {
+    model: MODEL,
+    max_tokens: 1024,
+    system: systemPrompt,
+    messages: [{ role: 'user', content: input }],
+  };
+
+  try {
+    const res = await fetch(API_BASE, {
+      method: 'POST',
+      headers: {
+        'content-type': 'application/json',
+        'x-api-key': apiKey,
+        'anthropic-version': '2023-06-01',
+      },
+      body: JSON.stringify(body),
+    });
+    if (!res.ok) throw new Error(`Anthropic ${res.status}`);
+    const data = (await res.json()) as any;
+    const text = data?.content?.[0]?.text ?? '';
+    const jsonMatch = text.match(/\{[\s\S]*\}/);
+    if (!jsonMatch) throw new Error('LLM JSON not found');
+    const parsed = JSON.parse(jsonMatch[0]);
+    return {
+      available: !!parsed.available,
+      policies: parsed.policies ?? [],
+      docs: parsed.docs ?? [],
+      estimated: parsed.estimated ?? '-',
+      caution: parsed.caution,
+      source: 'llm',
+      raw: text,
+    };
+  } catch (e) {
+    return fallback(input);
+  }
+}
+
+function fallback(input: string): JudgeResult {
+  const q = input.toLowerCase();
+  if (q.includes('발목') || q.includes('삐') || q.includes('넘어')) {
+    return {
+      available: true,
+      policies: [
+        { name: '실손의료비', desc: '정형외과 진료비 청구 가능' },
+        { name: '상해보험 통원일당', desc: '1일 1~5만원 (가입 금액 따라)' },
+      ],
+      docs: ['정형외과 영수증', '진단서 (S93 발목 염좌)'],
+      estimated: '5~15만원',
+      source: 'rules',
+    };
+  }
+  if (q.includes('감기')) {
+    return {
+      available: true,
+      policies: [{ name: '실손 통원의료비', desc: '1회 1만원 공제 후 80% 보장' }],
+      docs: ['병원 영수증', '처방전'],
+      estimated: '2~4만원',
+      caution: '실손 외래 통원 건당 자기부담금 공제',
+      source: 'rules',
+    };
+  }
+  if (q.includes('용종') || q.includes('내시경')) {
+    return {
+      available: true,
+      policies: [
+        { name: '실손의료비', desc: '내시경/제거 시술비 청구' },
+        { name: '수술비 특약', desc: '1종 수술 해당 - 10~50만원' },
+      ],
+      docs: ['수술확인서', '세부내역서', '조직검사 결과지'],
+      estimated: '15~50만원',
+      source: 'rules',
+    };
+  }
+  if (q.includes('도수치료') || q.includes('물리치료')) {
+    return {
+      available: true,
+      policies: [{ name: '실손 비급여 특약', desc: '도수치료 1회 25만원 한도' }],
+      docs: ['병원 영수증 (세부내역서 포함)', '의사 소견서'],
+      estimated: '회당 3~25만원',
+      source: 'rules',
+    };
+  }
+  return {
+    available: false,
+    policies: [],
+    docs: [],
+    estimated: '-',
+    caution: '더 구체적인 증상/시술명을 알려주시면 정확히 판정해 드릴 수 있어요.',
+    source: 'rules',
+  };
+}
diff --git a/server/src/services/codef.ts b/server/src/services/codef.ts
new file mode 100644
index 0000000..2774552
--- /dev/null
+++ b/server/src/services/codef.ts
@@ -0,0 +1,44 @@
+// CODEF 보험 통합조회 (실제 계약 필요) + mock 모드
+// ENABLE_CODEF_MOCK=true 면 가짜 데이터 반환. 실 연동은 CODEF API 계약 후 토큰 세팅
+
+export type ScrapedPolicy = {
+  insurer: string;
+  name: string;
+  type: string;
+  monthlyPremium: number;
+  coverage: number;
+  joinDate: string;
+};
+
+export type HiddenMoney = {
+  insurer: string;
+  type: '미청구' | '만기환급' | '휴면';
+  amount: number;
+};
+
+const MOCK_POLICIES: ScrapedPolicy[] = [
+  { insurer: '삼성생명', name: '종합암보험', type: 'CANCER', monthlyPremium: 58000, coverage: 50000000, joinDate: '2019-03-15' },
+  { insurer: 'KB손해', name: '4세대 실손의료비', type: 'SILSON', monthlyPremium: 28000, coverage: 50000000, joinDate: '2022-01-10' },
+];
+
+const MOCK_HIDDEN: HiddenMoney[] = [
+  { insurer: '삼성생명', type: '만기환급', amount: 320000 },
+  { insurer: '교보생명', type: '미청구', amount: 150000 },
+  { insurer: '한화손해', type: '휴면', amount: 120000 },
+];
+
+export async function scrapePolicies(params: { name: string; ssn: string; phone: string }): Promise<ScrapedPolicy[]> {
+  if (process.env.ENABLE_CODEF_MOCK !== 'false' || !process.env.CODEF_CLIENT_ID) {
+    return MOCK_POLICIES;
+  }
+  // TODO: CODEF OAuth → 보험통합조회 엔드포인트 호출
+  // https://developer.codef.io/products/insurance-integration
+  throw new Error('CODEF 실제 연동은 아직 미구현. 계약 후 이 함수에 인증 코드 추가 필요');
+}
+
+export async function scrapeHiddenMoney(params: { name: string; ssn: string }): Promise<HiddenMoney[]> {
+  if (process.env.ENABLE_CODEF_MOCK !== 'false' || !process.env.CODEF_CLIENT_ID) {
+    return MOCK_HIDDEN;
+  }
+  throw new Error('CODEF 실제 연동은 아직 미구현');
+}
diff --git a/server/src/services/expoPush.ts b/server/src/services/expoPush.ts
new file mode 100644
index 0000000..82e7ab7
--- /dev/null
+++ b/server/src/services/expoPush.ts
@@ -0,0 +1,21 @@
+// Expo Push API (iOS/Android 공용)
+// FCM/APNs 설정은 Expo가 알아서. 단, expo-notifications로 토큰 받은 것만 동작
+
+type Message = { to: string; title: string; body: string; data?: Record<string, any> };
+
+export async function sendExpoPush(messages: Message[]) {
+  if (messages.length === 0) return { ok: true, count: 0 };
+  const res = await fetch('https://exp.host/--/api/v2/push/send', {
+    method: 'POST',
+    headers: {
+      Accept: 'application/json',
+      'Accept-Encoding': 'gzip, deflate',
+      'Content-Type': 'application/json',
+    },
+    body: JSON.stringify(messages),
+  });
+  if (!res.ok) {
+    throw new Error(`Expo Push ${res.status}`);
+  }
+  return { ok: true, count: messages.length, result: await res.json() };
+}
diff --git a/server/src/services/ocr.ts b/server/src/services/ocr.ts
new file mode 100644
index 0000000..28f7b36
--- /dev/null
+++ b/server/src/services/ocr.ts
@@ -0,0 +1,93 @@
+// Naver Clova OCR + Google Vision fallback 래퍼
+// 설정된 키에 따라 하나를 선택. 둘 다 없으면 빈 결과 반환
+
+import fs from 'node:fs/promises';
+
+export type OcrResult = {
+  provider: 'clova' | 'vision' | 'none';
+  fullText: string;
+  fields?: Record<string, string>;
+};
+
+export async function extractText(fileBuffer: Buffer, mimeType: string): Promise<OcrResult> {
+  if (process.env.CLOVA_OCR_URL && process.env.CLOVA_OCR_SECRET) {
+    try {
+      return await clovaOcr(fileBuffer, mimeType);
+    } catch (e) {
+      // fallthrough
+    }
+  }
+  if (process.env.GCP_VISION_API_KEY) {
+    try {
+      return await visionOcr(fileBuffer);
+    } catch (e) {
+      // fallthrough
+    }
+  }
+  return { provider: 'none', fullText: '' };
+}
+
+async function clovaOcr(fileBuffer: Buffer, mimeType: string): Promise<OcrResult> {
+  const url = process.env.CLOVA_OCR_URL!;
+  const secret = process.env.CLOVA_OCR_SECRET!;
+
+  const body = {
+    version: 'V2',
+    requestId: `req-${Date.now()}`,
+    timestamp: Date.now(),
+    images: [
+      {
+        format: mimeType.includes('pdf') ? 'pdf' : mimeType.includes('png') ? 'png' : 'jpg',
+        name: 'doc',
+        data: fileBuffer.toString('base64'),
+      },
+    ],
+  };
+
+  const res = await fetch(url, {
+    method: 'POST',
+    headers: {
+      'X-OCR-SECRET': secret,
+      'Content-Type': 'application/json',
+    },
+    body: JSON.stringify(body),
+  });
+
+  if (!res.ok) throw new Error(`Clova OCR ${res.status}`);
+  const data = (await res.json()) as any;
+  const fields = data?.images?.[0]?.fields ?? [];
+  const fullText = fields.map((f: any) => f.inferText).join(' ');
+  return { provider: 'clova', fullText, fields: parseReceiptFields(fullText) };
+}
+
+async function visionOcr(fileBuffer: Buffer): Promise<OcrResult> {
+  const key = process.env.GCP_VISION_API_KEY!;
+  const res = await fetch(`https://vision.googleapis.com/v1/images:annotate?key=${key}`, {
+    method: 'POST',
+    headers: { 'content-type': 'application/json' },
+    body: JSON.stringify({
+      requests: [
+        {
+          image: { content: fileBuffer.toString('base64') },
+          features: [{ type: 'DOCUMENT_TEXT_DETECTION' }],
+        },
+      ],
+    }),
+  });
+  if (!res.ok) throw new Error(`Vision ${res.status}`);
+  const data = (await res.json()) as any;
+  const fullText = data?.responses?.[0]?.fullTextAnnotation?.text ?? '';
+  return { provider: 'vision', fullText, fields: parseReceiptFields(fullText) };
+}
+
+// 대충 필드 파싱 (병원명/진료일/총 금액)
+export function parseReceiptFields(text: string): Record<string, string> {
+  const fields: Record<string, string> = {};
+  const dateMatch = text.match(/(20\d{2})[./-](\d{1,2})[./-](\d{1,2})/);
+  if (dateMatch) fields.visitDate = `${dateMatch[1]}-${dateMatch[2].padStart(2, '0')}-${dateMatch[3].padStart(2, '0')}`;
+  const amountMatch = text.match(/(?:총액|합계|총\s*진료비)[^\d]*([\d,]+)/);
+  if (amountMatch) fields.total = amountMatch[1].replace(/,/g, '');
+  const hospitalMatch = text.match(/[가-힣]+\s*(?:병원|의원|클리닉|센터)/);
+  if (hospitalMatch) fields.hospital = hospitalMatch[0];
+  return fields;
+}
diff --git a/server/src/services/solapi.ts b/server/src/services/solapi.ts
new file mode 100644
index 0000000..dd6249c
--- /dev/null
+++ b/server/src/services/solapi.ts
@@ -0,0 +1,56 @@
+// Solapi 카카오 알림톡 송신 서비스
+// 키가 없으면 console.log로 드라이런
+import crypto from 'node:crypto';
+
+type AlimtalkParams = {
+  to: string; // 수신번호 01012345678
+  templateId: string;
+  variables: Record<string, string>;
+};
+
+export async function sendAlimtalk({ to, templateId, variables }: AlimtalkParams) {
+  const apiKey = process.env.SOLAPI_API_KEY;
+  const apiSecret = process.env.SOLAPI_API_SECRET;
+  const pfId = process.env.SOLAPI_PFID; // 카카오 채널 검색ID
+  const senderKey = process.env.SOLAPI_SENDER_KEY;
+
+  if (!apiKey || !apiSecret || !pfId) {
+    console.log('[alimtalk][dry-run]', { to, templateId, variables });
+    return { dryRun: true };
+  }
+
+  const date = new Date().toISOString();
+  const salt = crypto.randomBytes(16).toString('hex');
+  const signature = crypto
+    .createHmac('sha256', apiSecret)
+    .update(date + salt)
+    .digest('hex');
+
+  const body = {
+    message: {
+      to,
+      from: senderKey,
+      kakaoOptions: {
+        pfId,
+        templateId,
+        variables,
+        disableSms: false,
+      },
+    },
+  };
+
+  const res = await fetch('https://api.solapi.com/messages/v4/send', {
+    method: 'POST',
+    headers: {
+      Authorization: `HMAC-SHA256 apiKey=${apiKey}, date=${date}, salt=${salt}, signature=${signature}`,
+      'Content-Type': 'application/json',
+    },
+    body: JSON.stringify(body),
+  });
+
+  if (!res.ok) {
+    const err = await res.text();
+    throw new Error(`Solapi ${res.status}: ${err}`);
+  }
+  return await res.json();
+}
diff --git a/src/api/endpoints.ts b/src/api/endpoints.ts
index de94fc3..67c1a56 100644
--- a/src/api/endpoints.ts
+++ b/src/api/endpoints.ts
@@ -126,3 +126,51 @@ export const consultApi = {
   create: (body: { method: 'KAKAO' | 'PHONE' | 'VISIT'; phone?: string; preferredAt?: string; memo?: string }) =>
     api<any>('/consults', { method: 'POST', body }),
 };
+
+export const aiApi = {
+  judgeClaim: (input: string) =>
+    api<{
+      available: boolean;
+      policies: Array<{ name: string; desc: string }>;
+      docs: string[];
+      estimated: string;
+      caution?: string;
+      source: 'llm' | 'rules';
+    }>('/ai/claim-judge', { method: 'POST', body: { input } }),
+};
+
+export const ocrApi = {
+  extract: async (fileUri: string, mimeType = 'image/jpeg') => {
+    const form = new FormData();
+    // @ts-expect-error RN FormData file
+    form.append('file', { uri: fileUri, name: fileUri.split('/').pop(), type: mimeType });
+    return api<{ provider: string; fullText: string; fields?: Record<string, string> }>('/ocr/extract', {
+      method: 'POST',
+      body: form as any,
+      multipart: true,
+    });
+  },
+};
+
+export const deviceApi = {
+  register: (expoPushToken: string, platform: 'ios' | 'android' | 'web') =>
+    api('/devices/register', { method: 'POST', body: { expoPushToken, platform } }),
+  unregister: (token: string) => api(`/devices/${token}`, { method: 'DELETE' }),
+};
+
+export const socialApi = {
+  naver: (accessToken: string) =>
+    api<AuthResponse>('/auth/naver', { method: 'POST', body: { accessToken }, skipAuth: true }),
+  apple: (identityToken: string, fullName?: string) =>
+    api<AuthResponse>('/auth/apple', { method: 'POST', body: { identityToken, fullName }, skipAuth: true }),
+};
+
+export const codefApi = {
+  scrapePolicies: (name: string, ssn: string, phone?: string) =>
+    api<{ imported: number; policies: any[] }>('/codef/policies/scrape', { method: 'POST', body: { name, ssn, phone } }),
+  hiddenMoney: (name: string, ssn: string) =>
+    api<{ total: number; items: Array<{ insurer: string; type: string; amount: number }> }>('/codef/hidden-money', {
+      method: 'POST',
+      body: { name, ssn },
+    }),
+};
diff --git a/src/screens/AIJudgeScreen.tsx b/src/screens/AIJudgeScreen.tsx
index 3026aba..b7ddae2 100644
--- a/src/screens/AIJudgeScreen.tsx
+++ b/src/screens/AIJudgeScreen.tsx
@@ -8,6 +8,7 @@ import Card from '@/components/Card';
 import Section from '@/components/Section';
 import Button from '@/components/Button';
 import Badge from '@/components/Badge';
+import { aiApi } from '@/api/endpoints';
 import { colors } from '@/theme/colors';
 import { radius, spacing, typography } from '@/theme/typography';
 
@@ -19,6 +20,7 @@ type Verdict = {
   docs: string[];
   estimated: string;
   caution?: string;
+  source?: 'llm' | 'rules';
 };
 
 const samples = [
@@ -87,23 +89,30 @@ export default function AIJudgeScreen() {
   const [input, setInput] = useState('');
   const [loading, setLoading] = useState(false);
 
-  const send = (text: string) => {
+  const send = async (text: string) => {
     if (!text.trim()) return;
     setMsgs((m) => [...m, { role: 'user', text }]);
     setInput('');
     setLoading(true);
-    setTimeout(() => {
-      const v = judge(text);
+    try {
+      const v = await aiApi.judgeClaim(text);
       setMsgs((m) => [
         ...m,
         {
           role: 'ai',
-          text: v.available ? '✅ 청구 가능합니다! 아래 내용 참고해 주세요.' : 'ℹ️ 더 자세한 정보가 필요해요.',
+          text: v.available
+            ? `✅ 청구 가능합니다! (${v.source === 'llm' ? 'AI 판정' : '룰베이스'})`
+            : 'ℹ️ 더 자세한 정보가 필요해요.',
           verdict: v,
         },
       ]);
+    } catch (e) {
+      // 백엔드 실패 시 룰베이스 fallback
+      const v = judge(text);
+      setMsgs((m) => [...m, { role: 'ai', text: v.available ? '✅ 청구 가능' : 'ℹ️ 정보 부족', verdict: v }]);
+    } finally {
       setLoading(false);
-    }, 1100);
+    }
   };
 
   return (
diff --git a/src/screens/ClaimScreen.tsx b/src/screens/ClaimScreen.tsx
index 8f5e15f..fd856ea 100644
--- a/src/screens/ClaimScreen.tsx
+++ b/src/screens/ClaimScreen.tsx
@@ -9,7 +9,7 @@ import Card from '@/components/Card';
 import Section from '@/components/Section';
 import Button from '@/components/Button';
 import Badge from '@/components/Badge';
-import { claimApi } from '@/api/endpoints';
+import { claimApi, ocrApi } from '@/api/endpoints';
 import { useDataStore } from '@/store/useDataStore';
 import { colors } from '@/theme/colors';
 import { radius, spacing, typography } from '@/theme/typography';
@@ -35,10 +35,24 @@ export default function ClaimScreen() {
   const [visitDate, setVisitDate] = useState(new Date().toISOString().slice(0, 10));
   const [submitting, setSubmitting] = useState(false);
 
+  const tryOcr = async (type: DocType, uri: string) => {
+    if (type !== 'RECEIPT') return;
+    try {
+      const r = await ocrApi.extract(uri);
+      if (r.fields?.hospital && !hospital) setHospital(r.fields.hospital);
+      if (r.fields?.visitDate) setVisitDate(r.fields.visitDate);
+      if (r.fields?.hospital && !title) setTitle(`${r.fields.hospital} 진료비`);
+    } catch {
+      // OCR API 키 없을 때 조용히 skip
+    }
+  };
+
   const pick = async (type: DocType) => {
     const res = await ImagePicker.launchImageLibraryAsync({ quality: 0.7 });
     if (!res.canceled && res.assets[0]) {
-      setDocs({ ...docs, [type]: res.assets[0].uri });
+      const uri = res.assets[0].uri;
+      setDocs({ ...docs, [type]: uri });
+      tryOcr(type, uri);
     }
   };
 
@@ -47,7 +61,9 @@ export default function ClaimScreen() {
     if (!perm.granted) return Alert.alert('카메라 권한이 필요합니다.');
     const res = await ImagePicker.launchCameraAsync({ quality: 0.7 });
     if (!res.canceled && res.assets[0]) {
-      setDocs({ ...docs, [type]: res.assets[0].uri });
+      const uri = res.assets[0].uri;
+      setDocs({ ...docs, [type]: uri });
+      tryOcr(type, uri);
     }
   };
 
diff --git a/src/screens/auth/LoginScreen.tsx b/src/screens/auth/LoginScreen.tsx
index b20a828..77f8e25 100644
--- a/src/screens/auth/LoginScreen.tsx
+++ b/src/screens/auth/LoginScreen.tsx
@@ -8,6 +8,9 @@ import Button from '@/components/Button';
 import { colors } from '@/theme/colors';
 import { radius, spacing, typography } from '@/theme/typography';
 import { useAuthStore } from '@/store/useAuthStore';
+import { kakaoWebLogin } from '@/services/kakao';
+import { socialApi } from '@/api/endpoints';
+import { saveToken } from '@/api/client';
 
 export default function LoginScreen() {
   const nav = useNavigation<any>();
@@ -35,20 +38,62 @@ export default function LoginScreen() {
   };
 
   const onKakao = async () => {
+    const token = await kakaoWebLogin();
+    if (!token) {
+      if (Platform.OS !== 'web') Alert.alert('카카오 로그인', '네이티브 SDK 연동은 빌드 후 동작합니다.');
+      return;
+    }
+    try {
+      await kakaoLogin(token);
+    } catch (e: any) {
+      Alert.alert('카카오 로그인 실패', e?.message ?? '');
+    }
+  };
+
+  const onNaver = async () => {
     if (Platform.OS === 'web') {
-      const input = window.prompt('[개발용] 카카오 Access Token을 입력하세요\n실환경에서는 Kakao JS SDK로 자동 획득됩니다.');
+      const input = window.prompt('[개발용] 네이버 access_token을 입력하세요\n운영 시 네이버 SDK로 자동 획득됩니다.');
       if (!input) return;
       try {
-        await kakaoLogin(input);
+        const res = await socialApi.naver(input);
+        await saveToken(res.token);
+        await useAuthStore.getState().hydrate();
       } catch (e: any) {
-        Alert.alert('카카오 로그인 실패', e?.message ?? '');
+        Alert.alert('네이버 로그인 실패', e?.message ?? '');
       }
       return;
     }
-    Alert.alert(
-      '카카오 로그인',
-      'Native 카카오 SDK (@react-native-seoul/kakao-login) 연동이 필요합니다. 빌드 후 테스트 가능합니다.'
-    );
+    Alert.alert('네이버 로그인', '네이티브 빌드 후 동작합니다.');
+  };
+
+  const onApple = async () => {
+    try {
+      if (Platform.OS === 'ios') {
+        const AppleAuth = await import('expo-apple-authentication').catch(() => null);
+        if (!AppleAuth) {
+          Alert.alert('애플 로그인', 'iOS 빌드 후 동작합니다.');
+          return;
+        }
+        const credential = await AppleAuth.signInAsync({
+          requestedScopes: [AppleAuth.AppleAuthenticationScope.FULL_NAME, AppleAuth.AppleAuthenticationScope.EMAIL],
+        });
+        if (!credential.identityToken) return;
+        const fullName = credential.fullName?.givenName ?? '';
+        const res = await socialApi.apple(credential.identityToken, fullName);
+        await saveToken(res.token);
+        await useAuthStore.getState().hydrate();
+      } else if (Platform.OS === 'web') {
+        const input = window.prompt('[개발용] Apple identity_token을 입력하세요\n운영 시 웹 Apple SDK 연동 예정.');
+        if (!input) return;
+        const res = await socialApi.apple(input);
+        await saveToken(res.token);
+        await useAuthStore.getState().hydrate();
+      } else {
+        Alert.alert('애플 로그인', 'iOS에서만 지원됩니다.');
+      }
+    } catch (e: any) {
+      Alert.alert('애플 로그인 실패', e?.message ?? '');
+    }
   };
 
   return (
@@ -103,6 +148,24 @@ export default function LoginScreen() {
             onPress={onKakao}
           />
 
+          <Button
+            title="네이버 로그인"
+            size="lg"
+            style={{ backgroundColor: '#03C75A' } as any}
+            leftIcon={<Ionicons name="logo-ionic" size={18} color="#FFF" />}
+            onPress={onNaver}
+          />
+
+          {Platform.OS === 'ios' || Platform.OS === 'web' ? (
+            <Button
+              title="Apple로 로그인"
+              size="lg"
+              style={{ backgroundColor: '#000' } as any}
+              leftIcon={<Ionicons name="logo-apple" size={18} color="#FFF" />}
+              onPress={onApple}
+            />
+          ) : null}
+
           <TouchableOpacity style={styles.signupRow} onPress={() => nav.navigate('Register')}>
             <Text style={styles.signupText}>
               계정이 없으신가요? <Text style={styles.signupLink}>회원가입</Text>
diff --git a/src/services/kakao.ts b/src/services/kakao.ts
new file mode 100644
index 0000000..68ac79d
--- /dev/null
+++ b/src/services/kakao.ts
@@ -0,0 +1,51 @@
+import { Platform } from 'react-native';
+
+const KAKAO_JS_KEY = (process.env.EXPO_PUBLIC_KAKAO_JS_KEY as string) || '';
+
+let loaded = false;
+
+async function loadKakaoSDK() {
+  if (Platform.OS !== 'web') return;
+  if (typeof window === 'undefined') return;
+  if ((window as any).Kakao?.isInitialized?.()) return;
+  if (!loaded) {
+    await new Promise<void>((resolve, reject) => {
+      const s = document.createElement('script');
+      s.src = 'https://t1.kakaocdn.net/kakao_js_sdk/2.7.2/kakao.min.js';
+      s.integrity = 'sha384-TiCUE00h649CAMonG018J2ujOgDKW/kVWlChEuu4jK2vxfAAD0eZxzCKakxg55G4';
+      s.crossOrigin = 'anonymous';
+      s.onload = () => resolve();
+      s.onerror = reject;
+      document.head.appendChild(s);
+    });
+    loaded = true;
+  }
+  const Kakao = (window as any).Kakao;
+  if (!Kakao.isInitialized() && KAKAO_JS_KEY) Kakao.init(KAKAO_JS_KEY);
+}
+
+export async function kakaoWebLogin(): Promise<string | null> {
+  if (Platform.OS !== 'web') return null;
+  await loadKakaoSDK();
+  const Kakao = (window as any).Kakao;
+  if (!Kakao || !Kakao.isInitialized?.()) {
+    const manual = window.prompt(
+      '카카오 JS 키가 설정되지 않았습니다 (EXPO_PUBLIC_KAKAO_JS_KEY).\n' +
+        '개발 테스트용: 이미 발급된 Kakao access_token을 직접 붙여넣으세요.'
+    );
+    return manual;
+  }
+  return new Promise((resolve) => {
+    Kakao.Auth.login({
+      scope: 'profile_nickname,profile_image,account_email',
+      success: (authObj: any) => resolve(authObj.access_token),
+      fail: () => resolve(null),
+    });
+  });
+}
+
+export async function kakaoNativeLogin(): Promise<string | null> {
+  // @react-native-seoul/kakao-login 은 bare workflow + Android/iOS 네이티브 설정이 필요
+  // 현재 Expo managed 환경에서는 불가 — 배포 빌드 후 동작
+  return null;
+}
diff --git a/src/services/push.ts b/src/services/push.ts
new file mode 100644
index 0000000..af16669
--- /dev/null
+++ b/src/services/push.ts
@@ -0,0 +1,38 @@
+import { Platform } from 'react-native';
+import { deviceApi } from '@/api/endpoints';
+
+export async function registerForPushAsync(): Promise<string | null> {
+  try {
+    if (Platform.OS === 'web') return null;
+    const Notifications = await import('expo-notifications');
+    const Device = await import('expo-device');
+
+    if (!Device.isDevice) return null;
+
+    const { status: existing } = await Notifications.getPermissionsAsync();
+    let status = existing;
+    if (status !== 'granted') {
+      const res = await Notifications.requestPermissionsAsync();
+      status = res.status;
+    }
+    if (status !== 'granted') return null;
+
+    const tokenData = await Notifications.getExpoPushTokenAsync();
+    const token = tokenData.data;
+
+    if (Platform.OS === 'android') {
+      await Notifications.setNotificationChannelAsync('default', {
+        name: 'default',
+        importance: Notifications.AndroidImportance.DEFAULT,
+      });
+    }
+
+    try {
+      await deviceApi.register(token, Platform.OS as any);
+    } catch {}
+
+    return token;
+  } catch {
+    return null;
+  }
+}
diff --git a/src/store/useAuthStore.ts b/src/store/useAuthStore.ts
index 03df56b..112ccbc 100644
--- a/src/store/useAuthStore.ts
+++ b/src/store/useAuthStore.ts
@@ -27,6 +27,8 @@ export const useAuthStore = create<State>((set) => ({
     try {
       const me = await authApi.me();
       set({ user: me, loading: false });
+      // push registration (non-blocking)
+      import('@/services/push').then((m) => m.registerForPushAsync()).catch(() => {});
     } catch {
       await clearToken();
       set({ user: null, loading: false });