diff --git a/extensions/general/mcp-server/__tests__/payload-size.bench.test.ts b/extensions/general/mcp-server/__tests__/payload-size.bench.test.ts
index c9fbf758..8ad32f88 100644
--- a/extensions/general/mcp-server/__tests__/payload-size.bench.test.ts
+++ b/extensions/general/mcp-server/__tests__/payload-size.bench.test.ts
@@ -238,9 +238,13 @@ describe('tools/list payload size guard', () => {
     //     connect card, same one-click feel as bank/Skatteverket): the skill
     //     instructs calling it when the user names Fortnox/BL/Briox/Wint, so
     //     default catalog for the standing Claude.ai reason.
+    //   * 63K to 63.4K with gnubok_reconcile_match promoted to the default
+    //     catalog: the onboarding efterkontroll instructs matching bank rows
+    //     against SIE verifikat, and a search-only tool is uncallable on
+    //     Claude.ai (E2E #12 punted to the web app over it).
     // Long-term answer to growth is leaning harder on gnubok_search_tools: if this
     // fires again, prefer trimming descriptions or making a tool opt-in via search
     // before bumping further.
-    expect(approxTokens).toBeLessThan(63_000)
+    expect(approxTokens).toBeLessThan(63_400)
   })
 })
diff --git a/extensions/general/mcp-server/__tests__/reconciliation-tools.test.ts b/extensions/general/mcp-server/__tests__/reconciliation-tools.test.ts
index 16c9f791..7d6d834b 100644
--- a/extensions/general/mcp-server/__tests__/reconciliation-tools.test.ts
+++ b/extensions/general/mcp-server/__tests__/reconciliation-tools.test.ts
@@ -1,6 +1,6 @@
 /**
  * The account-keyed reconciliation tools: status (account_key branch), items,
- * reconcile_match (stages; dry_run previews), reconcile_unmatch (search-only).
+ * reconcile_match (stages; dry_run previews; default catalog), reconcile_unmatch (search-only).
  * Service functions are mocked; the staging path runs for real in dry_run
  * mode (no insert), so the STAGED_OPERATION_SCHEMA contract is exercised.
  */
@@ -60,7 +60,9 @@ describe('reconciliation MCP tools', () => {
     expect(isDefaultCatalogTool(tool('gnubok_get_reconciliation_status'))).toBe(true)
     expect(isDefaultCatalogTool(tool('gnubok_list_reconciliation_items'))).toBe(true)
     // Writes sit behind search to respect the tools/list payload ceiling.
-    expect(isDefaultCatalogTool(tool('gnubok_reconcile_match'))).toBe(false)
+    // Default since E2E #12: the onboarding efterkontroll instructs the
+    // matching step and Claude.ai cannot call search-only tools.
+    expect(isDefaultCatalogTool(tool('gnubok_reconcile_match'))).toBe(true)
     expect(isDefaultCatalogTool(tool('gnubok_reconcile_unmatch'))).toBe(false)
     expect(isDefaultCatalogTool(tool('gnubok_link_transaction_to_journal_entry'))).toBe(false)
     expect(deriveToolMeta(tool('gnubok_reconcile_match'))).toMatchObject({
diff --git a/extensions/general/mcp-server/server.ts b/extensions/general/mcp-server/server.ts
index 7df34403..a5ef505e 100644
--- a/extensions/general/mcp-server/server.ts
+++ b/extensions/general/mcp-server/server.ts
@@ -10852,7 +10852,7 @@ export const tools: McpTool[] = [
   {
     name: 'gnubok_list_reconciliation_items',
     title: 'Reconciliation Items',
-    description: 'Rows behind one account\'s reconciliation bridge, bucketed (proposed, unmatched_external, unmatched_ledger, matched, ignored, upcoming): side, qualified id, amount, proposal with confidence + reasons, allowed actions. Link via gnubok_reconcile_match (search).',
+    description: 'Rows behind one account\'s reconciliation bridge, bucketed (proposed, unmatched_external, unmatched_ledger, matched, ignored, upcoming): side, qualified id, amount, proposal with confidence + reasons, allowed actions. Link via gnubok_reconcile_match.',
     inputSchema: {
       type: 'object',
       additionalProperties: false,
@@ -10905,10 +10905,11 @@ export const tools: McpTool[] = [
     name: 'gnubok_reconcile_match',
     title: 'Reconcile: Link Pairs',
     description: 'Link outside rows (bank or skattekonto) to existing verifikat on one account; no new bokföring. Pass pairs, or use_proposals to apply the persisted proposals. Stages. dry_run previews.',
-    // Search-only to stay under the tools/list payload ceiling: the default
-    // catalog carries the reads (status + items); this write is reached via
-    // gnubok_search_tools, the close_period loadout and the items tool's hint.
-    catalogVisibility: 'search',
+    // Default catalog since E2E #12: the onboarding efterkontroll instructs
+    // matching SIE-covered bank rows against existing verifikat, and
+    // Claude.ai cannot call search-only tools: the agent misread the
+    // uncallable tool as a missing reconciliation:write scope and punted the
+    // whole matching step to the web app.
     inputSchema: {
       type: 'object',
       additionalProperties: false,
diff --git a/extensions/general/mcp-server/skills/onboarding.ts b/extensions/general/mcp-server/skills/onboarding.ts
index 4bb9e2d9..1c6edee7 100644
--- a/extensions/general/mcp-server/skills/onboarding.ts
+++ b/extensions/general/mcp-server/skills/onboarding.ts
@@ -38,6 +38,13 @@ need zero of these questions.
 - "Lägg till ett nytt bolag" (an existing user adding a second company)
 - A byrå/consultant onboarding a new client company (pass \`team_id\`)
 
+**Already set up? Deliver value immediately instead.** When
+\`gnubok_get_agent_briefing\` shows a company that already exists with
+data and connections (the user onboarded via the web app), do NOT walk
+the setup steps: go straight to the Step 4b reconciliation pass and the
+Att göra-list, and open with the findings: a numbered list with amounts
+in your FIRST reply. That first impression is the product.
+
 ## Step 0: connect
 
 If this session is not connected yet, the first company-scoped call (for
@@ -167,23 +174,39 @@ link, and duplicate raw URLs read as clutter.
 When the user says they are done (or comes back), re-call
 \`gnubok_connect_bank\` to verify \`connected\`, then go DIRECTLY to step 5.
 
-## Step 4b: after the import: efterkontroll (this is where trust is won)
+## Step 3b: DIRECTLY after the import: verify and PREPARE (before the bank)
 
-Run a short audit pass as soon as history + bank are in, and fix findings
-through the normal staged flow, a few lines per finding:
+The moment the import commits, run a fast pass so the connections land in
+a book that is READY for them: the user should feel value before the bank
+even connects.
 
-- \`gnubok_get_trial_balance\`: does the book balance and match the SIE?
-- Skattekonto vs 1630: if Skatteverket is connected, reconcile the
-  skattekonto events against the ledger. Common finds: paid payroll taxes
-  still standing as liabilities on 2710/2731, the 1630 account missing
-  entirely, unbooked ränta/avgifter (kostnadsränta 8423, skattefri
-  intäktsränta 8314, ej avdragsgill förseningsavgift 6992: never the
-  ordinary cost accounts, or the year-end tax computation goes wrong).
+- \`gnubok_get_trial_balance\`: balances, and matches the SIE's UB.
+- Sanity-read the content: no income accounts? liabilities that look
+  already-paid? Say so in one line each; do not fix yet.
+- PREPARE the chart for what the connections will bring: if the import
+  lacks 1630 (skattekonto), 8423 (kostnadsränta skattekonto), 8314
+  (skattefri intäktsränta) or 6992 (ej avdragsgilla avgifter), create
+  them NOW so tax payments and fees book correctly from the first sync.
+- Voucher gaps: explain each with \`gnubok_explain_voucher_gap\`.
+
+## Step 4b: after the connections: reconcile (this is where trust is won)
+
+Once bank + Skatteverket deliver data, run the reconciliation pass and
+fix findings through the normal staged flow, a few lines per finding:
+
+- Bank rows covered by the SIE period: MATCH them against existing
+  verifikat with \`gnubok_reconcile_match\` (per account; \`dry_run\`
+  first): never categorize them again, that double-books salaries and
+  everything else. Only rows after the SIE's last date get booked fresh.
+- Skattekonto vs 1630: reconcile the events against the ledger. Common
+  finds: paid payroll taxes still standing on 2710/2731, ränta/avgifter
+  unbooked (8423/8314/6992: never ordinary cost accounts, or the
+  year-end tax computation goes wrong). End state must match
+  Skatteverket's saldo to the öre.
 - Auto-created bank accounts (1930/1931/1935) named after the company:
   suggest proper names.
 - Underlag coverage: verifikat over ~5 000 kr without documents (BFL 5
   kap 6 §): list them, offer the receipt-matcher flow.
-- Voucher gaps: explain each with \`gnubok_explain_voucher_gap\`.
 
 Present findings as a short numbered list with amounts, fix in priority
 order on the user's go-ahead, and re-verify the reconciled balances match