diff --git a/.changeset/billing-recent-auth-actions.md b/.changeset/billing-recent-auth-actions.md
new file mode 100644
index 0000000..b230ae0
--- /dev/null
+++ b/.changeset/billing-recent-auth-actions.md
@@ -0,0 +1,9 @@
+---
+"@codelitdev/platform": minor
+---
+
+`createBillingActionGrants` takes `recentAuthActions`, the billing actions that need a recent sign-in. The default is every action, as before. Pass only the actions that are hard to undo, such as `["payer_transfer"]`, or `[]` for none.
+
+**Product changes for this release**
+
+- Asking for a fresh sign-in before checkout, a plan change, the portal, or a cancellation stops people mid-purchase without protecting anything: the single-use token already stops replay and CSRF, and the provider confirms the payer. Set `recentAuthActions` to the actions your product treats as sensitive.
diff --git a/docs/architecture.md b/docs/architecture.md
index 3689b41..6c66c01 100644
--- a/docs/architecture.md
+++ b/docs/architecture.md
@@ -511,6 +511,12 @@ Admin auth follows FrontLit:
 - API and MCP accept configured OAuth tokens and tenant-scoped API keys.
 - Product code checks membership on every request.
 - Sensitive actions use recent auth and a single-use action token or equivalent grant.
+  Sensitive means hard to undo or able to move money or control away from the
+  owner: deleting a tenant, changing payout or payment credentials, or moving
+  who pays for a subscription. Buying, changing, or cancelling a plan is not:
+  the payment provider confirms the payer, the single-use token already stops
+  replay and CSRF, and asking someone to sign in again before they pay only
+  loses the sale.
 
 ### 8.1 Auth persistence and schema lifecycle
 
diff --git a/docs/decisions/0013-platform-billing-adapters.md b/docs/decisions/0013-platform-billing-adapters.md
index 51b54ac..dd6b60d 100644
--- a/docs/decisions/0013-platform-billing-adapters.md
+++ b/docs/decisions/0013-platform-billing-adapters.md
@@ -43,7 +43,8 @@ encryption keys. These adapters belong next to it, not inside it.
 
 - Products delete their own grant, encryption, return-URL, worker, webhook,
   and error-mapping code, and adopt these adapters.
-- Billing actions need a recent sign-in. Products must handle
-  `recent_authentication_required` by asking the person to sign in again.
+- Billing actions need a recent sign-in by default. Products choose which
+  actions do with `recentAuthActions` (see the architecture guide's rule on
+  sensitive actions) and handle `recent_authentication_required` for those.
 - The `exports` test of `@codelitdev/platform` now lists the two billing
   exports.
diff --git a/packages/platform/src/billing/billing.test.ts b/packages/platform/src/billing/billing.test.ts
index cf36b5d..919a9eb 100644
--- a/packages/platform/src/billing/billing.test.ts
+++ b/packages/platform/src/billing/billing.test.ts
@@ -4,6 +4,7 @@ import {
   BillingConfigurationError,
   BillingWorkflowError,
 } from "@codelitdev/billing/core";
+import type { BillingAction } from "@codelitdev/billing/workflows";
 import { frozenClock } from "../clock.js";
 import {
   billingErrorResponse,
@@ -19,7 +20,12 @@ import {
 const now = new Date("2026-06-01T12:00:00.000Z");
 const target = { kind: "user", id: "user_1" };
 
-function grants(options: { recentAuthMaxAgeMs?: number } = {}) {
+function grants(
+  options: {
+    recentAuthMaxAgeMs?: number;
+    recentAuthActions?: readonly BillingAction[];
+  } = {},
+) {
   return createBillingActionGrants({
     store: new MemoryActionGrantStore(),
     clock: frozenClock(now),
@@ -88,6 +94,45 @@ describe("billing action grants", () => {
     }
   });
 
+  it("asks for a recent sign-in only for the actions the product names", async () => {
+    const g = grants({
+      recentAuthMaxAgeMs: 60_000,
+      recentAuthActions: ["payer_transfer"],
+    });
+    const signedInLongAgo = new Date(now.getTime() - 3_600_000);
+    const checkout = await g.issue({
+      actorId: "user_1",
+      sessionId: "session_1",
+      sessionCreatedAt: signedInLongAgo,
+      action: "checkout",
+      target,
+    });
+    expect(checkout.ok).toBe(true);
+    const transfer = await g.issue({
+      actorId: "user_1",
+      sessionId: "session_1",
+      sessionCreatedAt: signedInLongAgo,
+      action: "payer_transfer",
+      target,
+    });
+    expect(transfer).toEqual({ ok: false, error: "recent_authentication_required" });
+
+    const none = grants({ recentAuthMaxAgeMs: 60_000, recentAuthActions: [] });
+    for (const action of ["checkout", "cancellation", "payer_transfer"] as const) {
+      expect(
+        (
+          await none.issue({
+            actorId: "user_1",
+            sessionId: "session_1",
+            sessionCreatedAt: signedInLongAgo,
+            action,
+            target,
+          })
+        ).ok,
+      ).toBe(true);
+    }
+  });
+
   it("requires a recent sign-in and rejects expired tokens", async () => {
     const g = grants({ recentAuthMaxAgeMs: 60_000 });
     const stale = await g.issue({
diff --git a/packages/platform/src/billing/grants.ts b/packages/platform/src/billing/grants.ts
index 0e52078..02af14f 100644
--- a/packages/platform/src/billing/grants.ts
+++ b/packages/platform/src/billing/grants.ts
@@ -51,10 +51,20 @@ export function createBillingActionGrants(options: {
   ttlMs?: number;
   /** How recently the session must have signed in. Default 15 minutes. */
   recentAuthMaxAgeMs?: number;
+  /**
+   * The actions that need a recent sign-in. Default: every action. Pass the
+   * ones that are hard to undo, such as `payer_transfer`, or `[]` for none.
+   * Buying and managing a plan rarely qualify: the provider confirms the
+   * payer, and the single-use token already stops replay and CSRF.
+   */
+  recentAuthActions?: readonly BillingAction[];
 }) {
   const clock = options.clock ?? systemClock;
   const ttlMs = options.ttlMs ?? 5 * 60 * 1000;
   const recentAuthMaxAgeMs = options.recentAuthMaxAgeMs ?? 15 * 60 * 1000;
+  const recentAuthActions = options.recentAuthActions
+    ? new Set<BillingAction>(options.recentAuthActions)
+    : null;
 
   async function issue(input: {
     actorId: string;
@@ -65,7 +75,11 @@ export function createBillingActionGrants(options: {
     target: BillingGrantTarget;
   }): Promise<IssueBillingGrantResult> {
     const now = clock.now();
-    if (now.getTime() - input.sessionCreatedAt.getTime() > recentAuthMaxAgeMs) {
+    const needsRecentAuth = recentAuthActions?.has(input.action) ?? true;
+    if (
+      needsRecentAuth &&
+      now.getTime() - input.sessionCreatedAt.getTime() > recentAuthMaxAgeMs
+    ) {
       return { ok: false, error: "recent_authentication_required" };
     }
     await options.store.purgeExpired?.(now);