diff --git a/loopd/swapclient_server_test.go b/loopd/swapclient_server_test.go
index 58c5dac9..f3fab032 100644
--- a/loopd/swapclient_server_test.go
+++ b/loopd/swapclient_server_test.go
@@ -536,6 +536,14 @@ func (s *mockStaticAddressLoopInStore) IsStored(_ context.Context,
 	return false, nil
 }
 
+// RecordStaticAddressRiskDecision satisfies the static loop-in store interface.
+func (s *mockStaticAddressLoopInStore) RecordStaticAddressRiskDecision(
+	_ context.Context, _ lntypes.Hash,
+	_ loopin.ConfirmationRiskDecision) error {
+
+	return nil
+}
+
 // GetLoopInByHash returns the configured loop-in with the given hash.
 func (s *mockStaticAddressLoopInStore) GetLoopInByHash(_ context.Context,
 	swapHash lntypes.Hash) (*loopin.StaticAddressLoopIn, error) {
diff --git a/staticaddr/loopin/actions.go b/staticaddr/loopin/actions.go
index 5ceb6864..47ffbbe7 100644
--- a/staticaddr/loopin/actions.go
+++ b/staticaddr/loopin/actions.go
@@ -926,12 +926,18 @@ func (f *FSM) MonitorInvoiceAndHtlcTxAction(ctx context.Context,
 		deposit.SweepHtlcTimeout,
 	)
 
-	startPaymentDeadline := func(reason string) {
+	startPaymentDeadline := func(reason string, startedAt time.Time) {
 		if deadlineStarted || invoice.State == invoices.ContractCanceled {
 			return
 		}
 
 		timeout := f.loopIn.PaymentTimeoutDuration()
+		if !startedAt.IsZero() {
+			timeout -= time.Since(startedAt)
+			if timeout < 0 {
+				timeout = 0
+			}
+		}
 
 		f.Infof("starting payment deadline after %s", reason)
 		deadlineTimer = time.NewTimer(timeout)
@@ -963,6 +969,16 @@ func (f *FSM) MonitorInvoiceAndHtlcTxAction(ctx context.Context,
 		depositsLockedForHtlcTimeout = true
 	}
 
+	startLegacyFallback := func(reason string, currentHeight int32) {
+		if deadlineStarted || invoice.State == invoices.ContractCanceled {
+			return
+		}
+
+		if f.shouldStartLegacyConfirmationFallback(ctx, currentHeight) {
+			startPaymentDeadline(reason, time.Time{})
+		}
+	}
+
 	if invoice.State == invoices.ContractCanceled {
 		// If the invoice was canceled previously we end our
 		// subscription to invoice updates.
@@ -983,6 +999,108 @@ func (f *FSM) MonitorInvoiceAndHtlcTxAction(ctx context.Context,
 		invoiceCanceledForNonPayment = true
 	}
 
+	riskDecisionTime := func(decision ConfirmationRiskDecision) time.Time {
+		now := time.Now()
+		if f.cfg.Store == nil {
+			return now
+		}
+
+		storedLoopIn, err := f.cfg.Store.GetLoopInByHash(
+			ctx, f.loopIn.SwapHash,
+		)
+		if err != nil {
+			f.Warnf("unable to reload persisted risk decision for "+
+				"swap %v: %v", f.loopIn.SwapHash, err)
+
+			return now
+		}
+
+		if storedLoopIn == nil {
+			return now
+		}
+
+		hasPersistedDecision :=
+			storedLoopIn.ConfirmationRiskDecision == decision &&
+				!storedLoopIn.ConfirmationRiskDecisionTime.IsZero()
+
+		if !hasPersistedDecision {
+			err = f.cfg.Store.RecordStaticAddressRiskDecision(
+				ctx, f.loopIn.SwapHash, decision,
+			)
+			if err != nil {
+				f.Warnf("unable to persist replayed risk "+
+					"decision for swap %v: %v",
+					f.loopIn.SwapHash, err)
+
+				return now
+			}
+
+			storedLoopIn, err = f.cfg.Store.GetLoopInByHash(
+				ctx, f.loopIn.SwapHash,
+			)
+			if err != nil {
+				f.Warnf("unable to reload persisted risk "+
+					"decision for swap %v: %v",
+					f.loopIn.SwapHash, err)
+
+				return now
+			}
+			if storedLoopIn == nil ||
+				storedLoopIn.ConfirmationRiskDecision != decision ||
+				storedLoopIn.ConfirmationRiskDecisionTime.IsZero() {
+
+				return now
+			}
+		}
+
+		f.loopIn.ConfirmationRiskDecision =
+			storedLoopIn.ConfirmationRiskDecision
+		f.loopIn.ConfirmationRiskDecisionTime =
+			storedLoopIn.ConfirmationRiskDecisionTime
+
+		return storedLoopIn.ConfirmationRiskDecisionTime
+	}
+
+	handleRiskRejected := func(reason string) fsm.EventType {
+		cancelInvoiceSubscription()
+		f.cancelSwapInvoice()
+		invoice.State = invoices.ContractCanceled
+		invoiceCanceledForNonPayment = true
+		decisionTime := riskDecisionTime(
+			ConfirmationRiskDecisionRejected,
+		)
+		f.loopIn.ConfirmationRiskDecision =
+			ConfirmationRiskDecisionRejected
+		f.loopIn.ConfirmationRiskDecisionTime = decisionTime
+		riskAcceptedChan = nil
+		riskRejectedChan = nil
+
+		return f.HandleError(fmt.Errorf(
+			"server rejected confirmation risk wait after %s", reason,
+		))
+	}
+
+	switch f.loopIn.ConfirmationRiskDecision {
+	case ConfirmationRiskDecisionAccepted:
+		startPaymentDeadline(
+			"recovered risk accepted notification",
+			f.loopIn.ConfirmationRiskDecisionTime,
+		)
+
+	case ConfirmationRiskDecisionRejected:
+		return handleRiskRejected("recovered risk rejection")
+	}
+
+	info, err := f.cfg.LndClient.GetInfo(ctx)
+	if err != nil {
+		f.Warnf("unable to query current height for legacy confirmation "+
+			"fallback: %v", err)
+	} else {
+		startLegacyFallback(
+			"legacy confirmation fallback", int32(info.BlockHeight),
+		)
+	}
+
 	htlcConfirmed := false
 	for {
 		select {
@@ -1070,7 +1188,16 @@ func (f *FSM) MonitorInvoiceAndHtlcTxAction(ctx context.Context,
 				continue
 			}
 
-			startPaymentDeadline("risk accepted notification")
+			startedAt := riskDecisionTime(
+				ConfirmationRiskDecisionAccepted,
+			)
+			f.loopIn.ConfirmationRiskDecision =
+				ConfirmationRiskDecisionAccepted
+			f.loopIn.ConfirmationRiskDecisionTime = startedAt
+			startPaymentDeadline(
+				"risk accepted notification",
+				f.loopIn.ConfirmationRiskDecisionTime,
+			)
 
 		case riskRejected, ok := <-riskRejectedChan:
 			if !ok {
@@ -1085,47 +1212,12 @@ func (f *FSM) MonitorInvoiceAndHtlcTxAction(ctx context.Context,
 				continue
 			}
 
-			cancelInvoiceSubscription()
-			f.cancelSwapInvoice()
-
-			return f.HandleError(errors.New(
-				"server rejected confirmation risk wait",
-			))
+			return handleRiskRejected("risk rejection")
 
 		case currentHeight := <-blockChan:
-			if !deadlineStarted &&
-				invoice.State != invoices.ContractCanceled {
-
-				err = f.refreshSelectedDeposits(ctx)
-				if err != nil {
-					f.Warnf("unable to refresh selected "+
-						"deposits for legacy confirmation "+
-						"fallback: %v", err)
-				} else {
-					depositConfirmationHeights :=
-						selectedDepositConfirmationHeights(
-							f.loopIn,
-						)
-
-					if legacyMinConfsReached(
-						f.loopIn.DepositOutpoints,
-						depositConfirmationHeights,
-						currentHeight,
-					) {
-
-						// This fallback is a compatibility path for
-						// servers that do not send confirmation-risk
-						// notifications. Reaching legacy MinConfs is
-						// treated as synthetic risk acceptance, so the
-						// payment window starts here just as it would
-						// when a modern server sends an acceptance
-						// notification.
-						startPaymentDeadline(
-							"legacy confirmation fallback",
-						)
-					}
-				}
-			}
+			startLegacyFallback(
+				"legacy confirmation fallback", currentHeight,
+			)
 
 			// If the htlc is confirmed but blockChan fires before
 			// htlcConfChan, we would wrongfully assume that the
diff --git a/staticaddr/loopin/actions_test.go b/staticaddr/loopin/actions_test.go
index 8a16c628..030aed30 100644
--- a/staticaddr/loopin/actions_test.go
+++ b/staticaddr/loopin/actions_test.go
@@ -124,7 +124,7 @@ func TestMonitorInvoiceAndHtlcTxReRegistersOnConfErr(t *testing.T) {
 		SwapHash:              swapHash,
 		HtlcCltvExpiry:        2_000,
 		InitiationHeight:      uint32(mockLnd.Height),
-		InitiationTime:        time.Now(),
+		InitiationTime:        time.Now().Add(-time.Hour),
 		ProtocolVersion:       version.ProtocolVersion_V0,
 		ClientPubkey:          clientKey.PubKey(),
 		ServerPubkey:          serverKey.PubKey(),
@@ -806,9 +806,10 @@ func TestMonitorInvoiceAndHtlcTxLocksConfirmedHtlcAtDeadline(t *testing.T) {
 	}
 }
 
-// TestMonitorInvoiceAndHtlcTxCancelsOnRiskRejected verifies that a server-side
-// confirmation risk rejection is terminal for the client monitor action.
-func TestMonitorInvoiceAndHtlcTxCancelsOnRiskRejected(t *testing.T) {
+// TestMonitorInvoiceAndHtlcTxUsesPersistedAcceptedRiskTime verifies that live
+// risk notifications use the durable receipt time, not the local channel
+// receive time, when reconstructing the payment deadline.
+func TestMonitorInvoiceAndHtlcTxUsesPersistedAcceptedRiskTime(t *testing.T) {
 	ctx, cancel := context.WithTimeout(t.Context(), 5*time.Second)
 	defer cancel()
 
@@ -819,9 +820,124 @@ func TestMonitorInvoiceAndHtlcTxCancelsOnRiskRejected(t *testing.T) {
 	serverKey, err := btcec.NewPrivateKey()
 	require.NoError(t, err)
 
-	swapHash := lntypes.Hash{5, 6, 7}
+	swapHash := lntypes.Hash{4, 5, 7}
 	depositOutpoint := wire.OutPoint{
-		Hash:  chainhash.Hash{9},
+		Hash:  chainhash.Hash{8},
+		Index: 0,
+	}
+
+	loopIn := &StaticAddressLoopIn{
+		SwapHash:              swapHash,
+		HtlcCltvExpiry:        2_000,
+		InitiationHeight:      uint32(mockLnd.Height),
+		InitiationTime:        time.Now(),
+		ProtocolVersion:       version.ProtocolVersion_V0,
+		ClientPubkey:          clientKey.PubKey(),
+		ServerPubkey:          serverKey.PubKey(),
+		PaymentTimeoutSeconds: 1,
+		DepositOutpoints: []string{
+			depositOutpoint.String(),
+		},
+		Deposits: []*deposit.Deposit{{
+			OutPoint: depositOutpoint,
+		}},
+	}
+	loopIn.SetState(MonitorInvoiceAndHtlcTx)
+
+	mockLnd.SetInvoice(&lndclient.Invoice{
+		Hash:  swapHash,
+		State: invoices.ContractOpen,
+	})
+
+	notificationMgr := &mockNotificationManager{
+		riskAccepted: make(
+			chan *swapserverrpc.
+				ServerStaticLoopInRiskAcceptedNotification, 1,
+		),
+	}
+
+	cfg := &Config{
+		AddressManager: &mockAddressManager{
+			params: &script.Parameters{
+				ClientPubkey:    clientKey.PubKey(),
+				ServerPubkey:    serverKey.PubKey(),
+				ProtocolVersion: version.ProtocolVersion_V0,
+			},
+		},
+		ChainNotifier:       mockLnd.ChainNotifier,
+		DepositManager:      &noopDepositManager{},
+		InvoicesClient:      mockLnd.LndServices.Invoices,
+		LndClient:           mockLnd.Client,
+		ChainParams:         mockLnd.ChainParams,
+		NotificationManager: notificationMgr,
+		Store: &mockStore{
+			loopIns: map[lntypes.Hash]*StaticAddressLoopIn{
+				swapHash: {
+					ConfirmationRiskDecision: ConfirmationRiskDecisionAccepted,
+					ConfirmationRiskDecisionTime: time.Now().Add(
+						-time.Minute,
+					),
+				},
+			},
+		},
+	}
+
+	f, err := NewFSM(ctx, loopIn, cfg, false)
+	require.NoError(t, err)
+
+	resultChan := make(chan fsm.EventType, 1)
+	go func() {
+		resultChan <- f.MonitorInvoiceAndHtlcTxAction(ctx, nil)
+	}()
+
+	waitForMonitorSubscriptions(t, ctx, mockLnd)
+
+	select {
+	case hash := <-mockLnd.FailInvoiceChannel:
+		t.Fatalf("invoice canceled before risk acceptance: %v", hash)
+
+	case <-time.After(200 * time.Millisecond):
+	}
+
+	notificationMgr.riskAccepted <- &swapserverrpc.
+		ServerStaticLoopInRiskAcceptedNotification{
+		SwapHash: swapHash[:],
+	}
+
+	select {
+	case hash := <-mockLnd.FailInvoiceChannel:
+		require.Equal(t, swapHash, hash)
+
+	case <-ctx.Done():
+		t.Fatalf("invoice was not canceled: %v", ctx.Err())
+	}
+
+	cancel()
+	select {
+	case event := <-resultChan:
+		require.Equal(t, fsm.NoOp, event)
+
+	case <-time.After(time.Second):
+		t.Fatal("monitor action did not exit")
+	}
+}
+
+// TestMonitorInvoiceAndHtlcTxPersistsReplayedRiskAccepted verifies that a risk
+// notification replayed after the swap row exists is written back to the store.
+func TestMonitorInvoiceAndHtlcTxPersistsReplayedRiskAccepted(t *testing.T) {
+	ctx, cancel := context.WithTimeout(t.Context(), 5*time.Second)
+	defer cancel()
+
+	mockLnd := test.NewMockLnd()
+
+	clientKey, err := btcec.NewPrivateKey()
+	require.NoError(t, err)
+	serverKey, err := btcec.NewPrivateKey()
+	require.NoError(t, err)
+
+	swapHash := lntypes.Hash{5, 6, 10}
+	depositOutpoint := wire.OutPoint{
+		Hash:  chainhash.Hash{14},
 		Index: 0,
 	}
 
@@ -849,11 +965,19 @@ func TestMonitorInvoiceAndHtlcTxCancelsOnRiskRejected(t *testing.T) {
 	})
 
 	notificationMgr := &mockNotificationManager{
-		riskRejected: make(
+		riskAccepted: make(
 			chan *swapserverrpc.
-				ServerStaticLoopInRiskRejectedNotification, 1,
+				ServerStaticLoopInRiskAcceptedNotification, 1,
 		),
 	}
+	store := &recordingRiskStore{
+		mockStore: &mockStore{
+			loopIns: map[lntypes.Hash]*StaticAddressLoopIn{
+				swapHash: {},
+			},
+		},
+		decisions: make(chan ConfirmationRiskDecision, 1),
+	}
 
 	cfg := &Config{
 		AddressManager: &mockAddressManager{
@@ -869,6 +993,121 @@ func TestMonitorInvoiceAndHtlcTxCancelsOnRiskRejected(t *testing.T) {
 		LndClient:           mockLnd.Client,
 		ChainParams:         mockLnd.ChainParams,
 		NotificationManager: notificationMgr,
+		Store:               store,
+	}
+
+	f, err := NewFSM(ctx, loopIn, cfg, false)
+	require.NoError(t, err)
+
+	resultChan := make(chan fsm.EventType, 1)
+	go func() {
+		resultChan <- f.MonitorInvoiceAndHtlcTxAction(ctx, nil)
+	}()
+
+	waitForMonitorSubscriptions(t, ctx, mockLnd)
+
+	notificationMgr.riskAccepted <- &swapserverrpc.
+		ServerStaticLoopInRiskAcceptedNotification{
+		SwapHash: swapHash[:],
+	}
+
+	select {
+	case decision := <-store.decisions:
+		require.Equal(t, ConfirmationRiskDecisionAccepted, decision)
+
+	case <-ctx.Done():
+		t.Fatalf("risk decision was not persisted: %v", ctx.Err())
+	}
+
+	stored := store.loopIns[swapHash]
+	require.Equal(t, ConfirmationRiskDecisionAccepted,
+		stored.ConfirmationRiskDecision)
+	require.False(t, stored.ConfirmationRiskDecisionTime.IsZero())
+
+	cancel()
+	select {
+	case event := <-resultChan:
+		require.Equal(t, fsm.NoOp, event)
+
+	case <-time.After(time.Second):
+		t.Fatal("monitor action did not exit")
+	}
+}
+
+// TestMonitorInvoiceAndHtlcTxPersistsRiskRejected verifies that a server-side
+// confirmation risk rejection is persisted and exits through the generic error
+// path so the FSM unlocks deposits.
+func TestMonitorInvoiceAndHtlcTxPersistsRiskRejected(t *testing.T) {
+	ctx, cancel := context.WithTimeout(t.Context(), 5*time.Second)
+	defer cancel()
+
+	mockLnd := test.NewMockLnd()
+
+	clientKey, err := btcec.NewPrivateKey()
+	require.NoError(t, err)
+	serverKey, err := btcec.NewPrivateKey()
+	require.NoError(t, err)
+
+	swapHash := lntypes.Hash{5, 6, 7}
+	depositOutpoint := wire.OutPoint{
+		Hash:  chainhash.Hash{9},
+		Index: 0,
+	}
+
+	loopIn := &StaticAddressLoopIn{
+		SwapHash:              swapHash,
+		HtlcCltvExpiry:        mockLnd.Height,
+		InitiationHeight:      uint32(mockLnd.Height),
+		InitiationTime:        time.Now(),
+		ProtocolVersion:       version.ProtocolVersion_V0,
+		ClientPubkey:          clientKey.PubKey(),
+		ServerPubkey:          serverKey.PubKey(),
+		PaymentTimeoutSeconds: 3_600,
+		DepositOutpoints: []string{
+			depositOutpoint.String(),
+		},
+		Deposits: []*deposit.Deposit{{
+			OutPoint: depositOutpoint,
+		}},
+	}
+	loopIn.SetState(MonitorInvoiceAndHtlcTx)
+
+	mockLnd.SetInvoice(&lndclient.Invoice{
+		Hash:  swapHash,
+		State: invoices.ContractOpen,
+	})
+
+	notificationMgr := &mockNotificationManager{
+		riskRejected: make(
+			chan *swapserverrpc.
+				ServerStaticLoopInRiskRejectedNotification, 1,
+		),
+	}
+
+	store := &recordingRiskStore{
+		mockStore: &mockStore{
+			loopIns: map[lntypes.Hash]*StaticAddressLoopIn{
+				swapHash: {},
+			},
+		},
+		decisions: make(chan ConfirmationRiskDecision, 1),
+	}
+
+	cfg := &Config{
+		AddressManager: &mockAddressManager{
+			params: &script.Parameters{
+				ClientPubkey:    clientKey.PubKey(),
+				ServerPubkey:    serverKey.PubKey(),
+				ProtocolVersion: version.ProtocolVersion_V0,
+			},
+		},
+		ChainNotifier:       mockLnd.ChainNotifier,
+		DepositManager:      &noopDepositManager{},
+		InvoicesClient:      mockLnd.LndServices.Invoices,
+		LndClient:           mockLnd.Client,
+		ChainParams:         mockLnd.ChainParams,
+		NotificationManager: notificationMgr,
+		Store:               store,
 	}
 
 	f, err := NewFSM(ctx, loopIn, cfg, false)
@@ -893,6 +1132,19 @@ func TestMonitorInvoiceAndHtlcTxCancelsOnRiskRejected(t *testing.T) {
 		t.Fatalf("invoice was not canceled: %v", ctx.Err())
 	}
 
+	select {
+	case decision := <-store.decisions:
+		require.Equal(t, ConfirmationRiskDecisionRejected, decision)
+
+	case <-ctx.Done():
+		t.Fatalf("risk decision was not persisted: %v", ctx.Err())
+	}
+
+	stored := store.loopIns[swapHash]
+	require.Equal(t, ConfirmationRiskDecisionRejected,
+		stored.ConfirmationRiskDecision)
+	require.False(t, stored.ConfirmationRiskDecisionTime.IsZero())
+
 	select {
 	case event := <-resultChan:
 		require.Equal(t, fsm.OnError, event)
@@ -900,7 +1152,201 @@ func TestMonitorInvoiceAndHtlcTxCancelsOnRiskRejected(t *testing.T) {
 			t, f.LastActionError,
 			"server rejected confirmation risk wait",
 		)
+	case <-time.After(time.Second):
+		t.Fatal("monitor action did not exit")
+	}
+}
 
+// TestMonitorInvoiceAndHtlcTxRecoversAcceptedRiskDecision verifies that a
+// persisted risk acceptance restarts the payment deadline with elapsed time
+// preserved after restart.
+func TestMonitorInvoiceAndHtlcTxRecoversAcceptedRiskDecision(t *testing.T) {
+	ctx, cancel := context.WithTimeout(t.Context(), 5*time.Second)
+	defer cancel()
+
+	mockLnd := test.NewMockLnd()
+
+	clientKey, err := btcec.NewPrivateKey()
+	require.NoError(t, err)
+	serverKey, err := btcec.NewPrivateKey()
+	require.NoError(t, err)
+
+	swapHash := lntypes.Hash{5, 6, 8}
+	depositOutpoint := wire.OutPoint{
+		Hash:  chainhash.Hash{12},
+		Index: 0,
+	}
+
+	loopIn := &StaticAddressLoopIn{
+		SwapHash:                     swapHash,
+		HtlcCltvExpiry:               2_000,
+		InitiationHeight:             uint32(mockLnd.Height),
+		InitiationTime:               time.Now(),
+		ProtocolVersion:              version.ProtocolVersion_V0,
+		ClientPubkey:                 clientKey.PubKey(),
+		ServerPubkey:                 serverKey.PubKey(),
+		PaymentTimeoutSeconds:        1,
+		ConfirmationRiskDecision:     ConfirmationRiskDecisionAccepted,
+		ConfirmationRiskDecisionTime: time.Now().Add(-time.Minute),
+		DepositOutpoints: []string{
+			depositOutpoint.String(),
+		},
+		Deposits: []*deposit.Deposit{{
+			OutPoint: depositOutpoint,
+		}},
+	}
+	loopIn.SetState(MonitorInvoiceAndHtlcTx)
+
+	mockLnd.SetInvoice(&lndclient.Invoice{
+		Hash:  swapHash,
+		State: invoices.ContractOpen,
+	})
+
+	depositMgr := &recordingDepositManager{
+		transitionChan: make(chan depositTransition, 1),
+	}
+
+	cfg := &Config{
+		AddressManager: &mockAddressManager{
+			params: &script.Parameters{
+				ClientPubkey:    clientKey.PubKey(),
+				ServerPubkey:    serverKey.PubKey(),
+				ProtocolVersion: version.ProtocolVersion_V0,
+			},
+		},
+		ChainNotifier:  mockLnd.ChainNotifier,
+		DepositManager: depositMgr,
+		InvoicesClient: mockLnd.LndServices.Invoices,
+		LndClient:      mockLnd.Client,
+		ChainParams:    mockLnd.ChainParams,
+	}
+
+	f, err := NewFSM(ctx, loopIn, cfg, false)
+	require.NoError(t, err)
+
+	resultChan := make(chan fsm.EventType, 1)
+	go func() {
+		resultChan <- f.MonitorInvoiceAndHtlcTxAction(ctx, nil)
+	}()
+
+	waitForMonitorSubscriptions(t, ctx, mockLnd)
+
+	select {
+	case hash := <-mockLnd.FailInvoiceChannel:
+		require.Equal(t, swapHash, hash)
+
+	case <-ctx.Done():
+		t.Fatalf("invoice was not canceled: %v", ctx.Err())
+	}
+
+	select {
+	case transition := <-depositMgr.transitionChan:
+		require.Equal(t, fsm.OnError, transition.event)
+		require.Equal(t, deposit.Deposited, transition.state)
+
+	case <-ctx.Done():
+		t.Fatalf("deposits were not unlocked: %v", ctx.Err())
+	}
+
+	cancel()
+	select {
+	case event := <-resultChan:
+		require.Equal(t, fsm.NoOp, event)
+
+	case <-time.After(time.Second):
+		t.Fatal("monitor action did not exit")
+	}
+}
+
+// TestMonitorInvoiceAndHtlcTxRecoversRejectedRiskDecision verifies that a
+// persisted risk rejection still cancels after restart and exits through the
+// generic error path so the FSM unlocks deposits.
+func TestMonitorInvoiceAndHtlcTxRecoversRejectedRiskDecision(t *testing.T) {
+	ctx, cancel := context.WithTimeout(t.Context(), 5*time.Second)
+	defer cancel()
+
+	mockLnd := test.NewMockLnd()
+
+	clientKey, err := btcec.NewPrivateKey()
+	require.NoError(t, err)
+	serverKey, err := btcec.NewPrivateKey()
+	require.NoError(t, err)
+
+	swapHash := lntypes.Hash{5, 6, 9}
+	depositOutpoint := wire.OutPoint{
+		Hash:  chainhash.Hash{13},
+		Index: 0,
+	}
+
+	loopIn := &StaticAddressLoopIn{
+		SwapHash:                     swapHash,
+		HtlcCltvExpiry:               mockLnd.Height,
+		InitiationHeight:             uint32(mockLnd.Height),
+		InitiationTime:               time.Now(),
+		ProtocolVersion:              version.ProtocolVersion_V0,
+		ClientPubkey:                 clientKey.PubKey(),
+		ServerPubkey:                 serverKey.PubKey(),
+		PaymentTimeoutSeconds:        3_600,
+		ConfirmationRiskDecision:     ConfirmationRiskDecisionRejected,
+		ConfirmationRiskDecisionTime: time.Now(),
+		DepositOutpoints: []string{
+			depositOutpoint.String(),
+		},
+		Deposits: []*deposit.Deposit{{
+			OutPoint: depositOutpoint,
+		}},
+	}
+	loopIn.SetState(MonitorInvoiceAndHtlcTx)
+
+	mockLnd.SetInvoice(&lndclient.Invoice{
+		Hash:  swapHash,
+		State: invoices.ContractOpen,
+	})
+
+	depositMgr := &recordingDepositManager{
+		transitionChan: make(chan depositTransition, 1),
+	}
+
+	cfg := &Config{
+		AddressManager: &mockAddressManager{
+			params: &script.Parameters{
+				ClientPubkey:    clientKey.PubKey(),
+				ServerPubkey:    serverKey.PubKey(),
+				ProtocolVersion: version.ProtocolVersion_V0,
+			},
+		},
+		ChainNotifier:  mockLnd.ChainNotifier,
+		DepositManager: depositMgr,
+		InvoicesClient: mockLnd.LndServices.Invoices,
+		LndClient:      mockLnd.Client,
+		ChainParams:    mockLnd.ChainParams,
+	}
+
+	f, err := NewFSM(ctx, loopIn, cfg, false)
+	require.NoError(t, err)
+
+	resultChan := make(chan fsm.EventType, 1)
+	go func() {
+		resultChan <- f.MonitorInvoiceAndHtlcTxAction(ctx, nil)
+	}()
+
+	waitForMonitorSubscriptions(t, ctx, mockLnd)
+
+	select {
+	case hash := <-mockLnd.FailInvoiceChannel:
+		require.Equal(t, swapHash, hash)
+
+	case <-ctx.Done():
+		t.Fatalf("invoice was not canceled: %v", ctx.Err())
+	}
+
+	select {
+	case event := <-resultChan:
+		require.Equal(t, fsm.OnError, event)
+		require.ErrorContains(
+			t, f.LastActionError,
+			"server rejected confirmation risk wait",
+		)
 	case <-time.After(time.Second):
 		t.Fatal("monitor action did not exit")
 	}
@@ -1171,6 +1617,14 @@ func TestMonitorInvoiceAndHtlcTxStartsDeadlineAtLegacyMinConfs(t *testing.T) {
 
 	require.NoError(t, mockLnd.NotifyHeight(mockLnd.Height))
 
+	select {
+	case hash := <-mockLnd.FailInvoiceChannel:
+		t.Fatalf("invoice canceled immediately after deposit "+
+			"confirmation: %v", hash)
+
+	case <-time.After(200 * time.Millisecond):
+	}
+
 	select {
 	case hash := <-mockLnd.FailInvoiceChannel:
 		require.Equal(t, swapHash, hash)
@@ -1217,7 +1671,7 @@ func TestMonitorInvoiceAndHtlcTxStartsLegacyFallbackWithNotificationManager(
 		SwapHash:              swapHash,
 		HtlcCltvExpiry:        2_000,
 		InitiationHeight:      uint32(mockLnd.Height),
-		InitiationTime:        time.Now(),
+		InitiationTime:        time.Now().Add(-time.Hour),
 		ProtocolVersion:       version.ProtocolVersion_V0,
 		ClientPubkey:          clientKey.PubKey(),
 		ServerPubkey:          serverKey.PubKey(),
@@ -2081,12 +2535,13 @@ type depositTransition struct {
 type recordingDepositManager struct {
 	noopDepositManager
 
-	err            error
-	transitions    []depositTransition
-	transitionChan chan depositTransition
+	err         error
+	errs        []error
+	transitions []depositTransition
 
-	events []fsm.EventType
-	states []fsm.StateType
+	transitionChan chan depositTransition
+	events         []fsm.EventType
+	states         []fsm.StateType
 }
 
 // TransitionDeposits records the transition and returns the configured error.
@@ -2108,9 +2563,43 @@ func (r *recordingDepositManager) TransitionDeposits(_ context.Context,
 		r.transitionChan <- transition
 	}
 
+	if len(r.errs) > 0 {
+		err := r.errs[0]
+		r.errs = r.errs[1:]
+
+		return err
+	}
+
 	return r.err
 }
 
+type recordingRiskStore struct {
+	*mockStore
+
+	decisions chan ConfirmationRiskDecision
+}
+
+// RecordStaticAddressRiskDecision records a risk decision in the mock store.
+func (s *recordingRiskStore) RecordStaticAddressRiskDecision(
+	_ context.Context, swapHash lntypes.Hash,
+	decision ConfirmationRiskDecision) error {
+
+	loopIn, ok := s.loopIns[swapHash]
+	if !ok {
+		return ErrLoopInNotFound
+	}
+
+	loopIn.ConfirmationRiskDecision = decision
+	loopIn.ConfirmationRiskDecisionTime = time.Now()
+
+	select {
+	case s.decisions <- decision:
+	default:
+	}
+
+	return nil
+}
+
 // mockNotificationManager allows tests to push server notifications directly to
 // monitor actions.
 type mockNotificationManager struct {
diff --git a/staticaddr/loopin/interface.go b/staticaddr/loopin/interface.go
index ab8dc45f..d54355a7 100644
--- a/staticaddr/loopin/interface.go
+++ b/staticaddr/loopin/interface.go
@@ -91,6 +91,11 @@ type StaticAddressLoopInStore interface {
 	// IsStored checks if the loop-in is already stored in the database.
 	IsStored(ctx context.Context, swapHash lntypes.Hash) (bool, error)
 
+	// RecordStaticAddressRiskDecision persists the server's
+	// confirmation-risk decision for the loop-in identified by swapHash.
+	RecordStaticAddressRiskDecision(ctx context.Context,
+		swapHash lntypes.Hash, decision ConfirmationRiskDecision) error
+
 	// GetLoopInByHash returns the loop-in swap with the given hash.
 	GetLoopInByHash(ctx context.Context, swapHash lntypes.Hash) (
 		*StaticAddressLoopIn, error)
diff --git a/staticaddr/loopin/manager_test.go b/staticaddr/loopin/manager_test.go
index 541f0826..564429c6 100644
--- a/staticaddr/loopin/manager_test.go
+++ b/staticaddr/loopin/manager_test.go
@@ -524,6 +524,13 @@ func (s *mockStore) IsStored(_ context.Context, _ lntypes.Hash) (bool, error) {
 	return false, nil
 }
 
+// RecordStaticAddressRiskDecision implements Store for manager tests.
+func (s *mockStore) RecordStaticAddressRiskDecision(context.Context,
+	lntypes.Hash, ConfirmationRiskDecision) error {
+
+	return nil
+}
+
 func (s *mockStore) GetLoopInByHash(_ context.Context,
 	swapHash lntypes.Hash) (*StaticAddressLoopIn, error) {