diff --git a/lib/commands/fund.mjs b/lib/commands/fund.mjs
index bfba013..fa41ad2 100644
--- a/lib/commands/fund.mjs
+++ b/lib/commands/fund.mjs
@@ -93,11 +93,19 @@ asks you to confirm before depositing. (--onramp is the exception: it only
 mints a browser link; the purchase happens in Circle's widget.)
 \`selat freeze\` is a local kill switch: this command refuses while frozen.`;
 
+/** Exact `-h` / `--help` argv tokens only. Empty argv is the deposit flow, not usage. */
+function wantsFundHelp(args) {
+  if (!Array.isArray(args)) return false;
+  return args.some((a) => a === "-h" || a === "--help");
+}
+
 export async function fund(args, { interactive = stdinIsInteractive(), run = sh, stdout = process.stdout, stderr = process.stderr } = {}) {
   // Help is inert: no skill lookup, no prompts, no deposit flow. Previously
   // `fund --help` fell through and started prompting toward a real deposit —
   // the defect class #101 fixed for setup-policy, one command over.
-  if (args.includes("-h") || args.includes("--help")) {
+  // Bare `selat fund` (no tokens) must still enter the deposit flow — a
+  // `!args.length` (or substring) match here would swallow it and print Usage.
+  if (wantsFundHelp(args)) {
     console.log(FUND_HELP);
     return 0;
   }
diff --git a/lib/selat-pay.mjs b/lib/selat-pay.mjs
index 221098b..00c785a 100644
--- a/lib/selat-pay.mjs
+++ b/lib/selat-pay.mjs
@@ -170,11 +170,22 @@ export async function selatPayVersion() {
 }
 
 function findPackageRoot(binPath) {
-  // Walk up from the binary looking for a package.json. Bounded depth so a
-  // weird symlink can't spin forever.
+  // Walk up from the binary looking for THIS package's package.json.
+  // Returning the first package.json we see is wrong: a bare SELAT_PAY_BIN
+  // under an in-tree TMPDIR (or any nested temp path) would claim selat-cli's
+  // own package as selat-pay and report its version. Bounded so a weird
+  // symlink can't spin forever.
   let dir = dirname(binPath);
   for (let i = 0; i < 6; i++) {
-    if (existsSync(join(dir, "package.json"))) return dir;
+    const pkgPath = join(dir, "package.json");
+    if (existsSync(pkgPath)) {
+      try {
+        const pkg = JSON.parse(readFileSync(pkgPath, "utf8"));
+        if (pkg?.name === "@selat-ai/selat-pay") return dir;
+      } catch {
+        // unreadable or invalid JSON — keep walking
+      }
+    }
     const parent = dirname(dir);
     if (parent === dir) break;
     dir = parent;
diff --git a/test/selat-pay-resolve.test.mjs b/test/selat-pay-resolve.test.mjs
index 1a2fe66..9092c40 100644
--- a/test/selat-pay-resolve.test.mjs
+++ b/test/selat-pay-resolve.test.mjs
@@ -88,7 +88,13 @@ test("ensureSelatPayHistoryDir honors XDG_STATE_HOME when no explicit path is se
 // ── An override that is a bare binary (no package.json, doesn't run) ─────────
 
 test("a bare override resolves with a null packageRoot and no version claim", async () => {
-  const dir = mkdtempSync(join(tmpdir(), "selat-pay-bare-"));
+  // Nest under an unrelated package.json so a naive "walk until any
+  // package.json" resolver cannot pass this when TMPDIR is /tmp. In-tree
+  // temps (and this decoy) used to resolve to that ancestor and claim its
+  // version as selat-pay.
+  const decoy = mkdtempSync(join(tmpdir(), "selat-pay-decoy-"));
+  writeFileSync(join(decoy, "package.json"), JSON.stringify({ name: "@selat-ai/selat-cli", version: "0.0.0" }));
+  const dir = mkdtempSync(join(decoy, "bare-"));
   const bin = join(dir, "selat-pay.mjs");
   writeFileSync(bin, "process.exit(0);\n");
   const restore = setEnv({ SELAT_PAY_BIN: bin });