diff --git a/__tests__/unit/services/rate-refresh-outside-render.test.ts b/__tests__/unit/services/rate-refresh-outside-render.test.ts
new file mode 100644
index 000000000..a02ee4ade
--- /dev/null
+++ b/__tests__/unit/services/rate-refresh-outside-render.test.ts
@@ -0,0 +1,85 @@
+/**
+ * A background rate refresh must not be attributed to the render that asked
+ * for it.
+ *
+ * `fetchUpstream` uses `cache: 'no-store'`, and Next tracks every fetch started
+ * during a render. `getCachedRateSnapshot` is explicitly the "never wait on a
+ * third party to paint" path — nothing awaits its refresh — but starting the
+ * fetch synchronously still put it inside the render's async context, and Next
+ * reclassified the route. Production, 2026-08-28:
+ *
+ *   Error: Page changed from static to dynamic at runtime /discover,
+ *   reason: revalidate: 0 fetch https://api.coingecko.com/... /discover
+ *
+ * So the property under test is about TIMING, not about whether the refresh
+ * happens: the read must return without any fetch having begun, and the fetch
+ * must begin afterwards.
+ */
+
+import {
+  getCachedRateSnapshot,
+  __setSnapshotForTests,
+} from '@/services/currency/rateSource.server';
+
+const MINUTE = 60_000;
+
+describe('getCachedRateSnapshot refresh timing', () => {
+  let fetchMock: jest.Mock;
+
+  beforeEach(() => {
+    jest.useFakeTimers();
+    fetchMock = jest.fn().mockResolvedValue({
+      ok: true,
+      json: async () => ({ bitcoin: { chf: 52199, usd: 58000, eur: 55000, gbp: 47000 } }),
+    });
+    global.fetch = fetchMock as unknown as typeof fetch;
+    __setSnapshotForTests(null);
+  });
+
+  afterEach(() => {
+    __setSnapshotForTests(null);
+    jest.useRealTimers();
+  });
+
+  it('starts no fetch synchronously when the snapshot is stale', () => {
+    __setSnapshotForTests({ rates: { CHF: 52199 }, fetchedAt: Date.now() - 5 * MINUTE });
+
+    const snap = getCachedRateSnapshot();
+
+    // Stale but usable: served immediately, and crucially nothing has hit the
+    // network yet — that is what keeps the route static.
+    expect(snap?.rates.CHF).toBe(52199);
+    expect(fetchMock).not.toHaveBeenCalled();
+
+    jest.runOnlyPendingTimers();
+    expect(fetchMock).toHaveBeenCalledTimes(1);
+  });
+
+  it('starts no fetch synchronously when the snapshot is too old to use', () => {
+    __setSnapshotForTests({ rates: { CHF: 52199 }, fetchedAt: Date.now() - 60 * MINUTE });
+
+    expect(getCachedRateSnapshot()).toBeNull();
+    expect(fetchMock).not.toHaveBeenCalled();
+
+    jest.runOnlyPendingTimers();
+    expect(fetchMock).toHaveBeenCalledTimes(1);
+  });
+
+  it('warms a cold process instead of staying empty forever', () => {
+    // Every deploy starts here. This used to return null and schedule nothing,
+    // so rates stayed absent until some other caller awaited them.
+    expect(getCachedRateSnapshot()).toBeNull();
+    expect(fetchMock).not.toHaveBeenCalled();
+
+    jest.runOnlyPendingTimers();
+    expect(fetchMock).toHaveBeenCalledTimes(1);
+  });
+
+  it('serves a fresh snapshot without scheduling anything', () => {
+    __setSnapshotForTests({ rates: { CHF: 52199 }, fetchedAt: Date.now() });
+
+    expect(getCachedRateSnapshot()?.rates.CHF).toBe(52199);
+    jest.runOnlyPendingTimers();
+    expect(fetchMock).not.toHaveBeenCalled();
+  });
+});
diff --git a/src/services/currency/rateSource.server.ts b/src/services/currency/rateSource.server.ts
index ed7fc0f36..29ef80be7 100644
--- a/src/services/currency/rateSource.server.ts
+++ b/src/services/currency/rateSource.server.ts
@@ -127,6 +127,34 @@ function refresh(): Promise<RateSnapshot | null> {
   return inFlight;
 }
 
+/**
+ * Start a refresh that does NOT belong to whatever render asked for it.
+ *
+ * `fetchUpstream` uses `cache: 'no-store'`, and Next tracks every fetch made
+ * during a render. A no-store fetch inside the render of a page that was
+ * statically prerendered raises, in production:
+ *
+ *   Error: Page changed from static to dynamic at runtime /discover,
+ *   reason: revalidate: 0 fetch https://api.coingecko.com/... /discover
+ *
+ * The refresh here is deliberately fire-and-forget — nothing awaits it and the
+ * caller has already returned a snapshot or null — but "not awaited" is not the
+ * same as "not attributed". Next sees the fetch start inside the render's async
+ * context and reclassifies the route, and the page that was meant to paint
+ * instantly instead fails its render.
+ *
+ * A macrotask boundary puts the fetch outside that context, so the refresh
+ * still happens, on the same schedule, without changing how the route renders.
+ * Deliberately not `after()` from next/server: this module is called from
+ * plain server code as well as from requests, and it must not require a
+ * request scope to exist.
+ */
+function scheduleRefresh(): void {
+  setTimeout(() => {
+    void refresh();
+  }, 0);
+}
+
 /**
  * The current rates without ever touching the network.
  *
@@ -136,15 +164,21 @@ function refresh(): Promise<RateSnapshot | null> {
  */
 export function getCachedRateSnapshot(): RateSnapshot | null {
   if (!snapshot) {
+    // A cold process — every deploy — had no way to warm itself from here: it
+    // returned null and scheduled nothing, so amounts stayed in BTC until some
+    // other caller happened to await getRateSnapshot(). Now that a refresh no
+    // longer contaminates the render that triggered it, the first reader can
+    // safely start one for the next.
+    scheduleRefresh();
     return null;
   }
   const age = ageOf(snapshot);
   if (age > MAX_AGE_MS) {
-    void refresh();
+    scheduleRefresh();
     return null;
   }
   if (age > FRESH_MS) {
-    void refresh();
+    scheduleRefresh();
   }
   return snapshot;
 }