diff --git a/apps/web/src/services/ai/orchestrator-prompt-optimizer.ts b/apps/web/src/services/ai/orchestrator-prompt-optimizer.ts
index 5705b9c6e..f00f3bc80 100644
--- a/apps/web/src/services/ai/orchestrator-prompt-optimizer.ts
+++ b/apps/web/src/services/ai/orchestrator-prompt-optimizer.ts
@@ -456,14 +456,8 @@ function inferTagsFromPrompt(prompt: string): string[] {
   // "budget tracker", "expense tracker") still match without forcing
   // fintech onto every UI that mentions a budget.
   // Wallet phrase triggers: every left-side modifier is unambiguously
-  // financial. Right-side patterns are intentionally restricted to
-  // `wallet payment(s)` and `wallet connect`, which are unambiguous
-  // fintech contexts. We deliberately exclude `wallet app` and
-  // `wallet pass`: both occur in Apple Wallet briefs that are about
-  // boarding passes, event tickets, gift cards, vaccination cards, or
-  // generic-iOS pass viewers — those are not fintech UI and shouldn't
-  // route to a fintech style guide. Real fintech briefs almost always
-  // qualify the wallet ("crypto wallet app", "payment wallet flow").
+  // financial; right-side patterns 'wallet payment(s)' / 'wallet connect'
+  // are also unambiguous fintech.
   if (
     /\b(crypto|digital|payment|hot|cold|hardware|web3)\s+wallet\b|\bwallet\s+(payments?|connect)\b/.test(
       lower,
@@ -471,6 +465,18 @@ function inferTagsFromPrompt(prompt: string): string[] {
   ) {
     tags.push('fintech');
   }
+  // 'wallet app' on its own usually means a fintech wallet ("design a
+  // wallet app to send money"), but in Apple-Wallet contexts it's the
+  // generic iOS feature for boarding passes, event tickets, gift cards,
+  // vaccination cards, and loyalty cards — none of which are fintech UI.
+  // Trigger fintech for 'wallet app' UNLESS the prompt also mentions an
+  // Apple-Wallet-style pass/ticket/coupon/loyalty context.
+  if (
+    /\bwallet\s+app\b/.test(lower) &&
+    !/\b(pass|passes|boarding|ticket|tickets|ticketing|gift\s+card|coupon|loyalty)\b/.test(lower)
+  ) {
+    tags.push('fintech');
+  }
   if (/\b(budget|expense)\s+(tracker|app|report|management|manager|tracking)\b/.test(lower)) {
     tags.push('fintech');
   }