diff --git a/features/marketplace/frontend-public/src/features/onboarding/components/DynamicFormRenderer.tsx b/features/marketplace/frontend-public/src/features/onboarding/components/DynamicFormRenderer.tsx
new file mode 100644
index 000000000..50c282a4f
--- /dev/null
+++ b/features/marketplace/frontend-public/src/features/onboarding/components/DynamicFormRenderer.tsx
@@ -0,0 +1,115 @@
+/**
+ * DynamicFormRenderer - Renders form fields from server-defined configuration
+ *
+ * Used for steps where the server defines the form shape dynamically.
+ * Clean onboarding steps use their existing hardcoded components;
+ * this renderer handles any additional steps the server may add.
+ */
+
+import { useState, useCallback } from 'react';
+import type { OnboardingFieldDto } from '../hooks/onboarding.types';
+
+interface DynamicFormRendererProps {
+  fields: OnboardingFieldDto[];
+  onSubmit: (data: Record<string, unknown>) => void;
+  onChange?: (data: Record<string, unknown>) => void;
+}
+
+export function DynamicFormRenderer({ fields, onSubmit, onChange }: DynamicFormRendererProps) {
+  const [formData, setFormData] = useState<Record<string, unknown>>({});
+
+  const updateField = useCallback((name: string, value: unknown) => {
+    setFormData((prev) => {
+      const next = { ...prev, [name]: value };
+      onChange?.(next);
+      return next;
+    });
+  }, [onChange]);
+
+  const handleSubmit = useCallback((e: React.FormEvent) => {
+    e.preventDefault();
+    onSubmit(formData);
+  }, [formData, onSubmit]);
+
+  return (
+    <form onSubmit={handleSubmit}>
+      {fields.map((field) => (
+        <div key={field.name} style={{ marginBottom: '20px' }}>
+          <label
+            htmlFor={`field-${field.name}`}
+            style={{ display: 'block', marginBottom: '8px', fontSize: '14px', fontWeight: '500' }}
+          >
+            {field.label}
+            {field.required && <span style={{ color: '#dc2626', marginLeft: '4px' }}>*</span>}
+          </label>
+
+          {field.type === 'textarea' ? (
+            <textarea
+              id={`field-${field.name}`}
+              placeholder={field.placeholder}
+              required={field.required}
+              value={(formData[field.name] as string) ?? ''}
+              onChange={(e) => updateField(field.name, e.target.value)}
+              rows={4}
+              style={{
+                width: '100%',
+                padding: '10px',
+                fontSize: '16px',
+                border: '1px solid #e5e7eb',
+                borderRadius: '6px',
+                resize: 'vertical',
+              }}
+            />
+          ) : field.type === 'select' && field.options ? (
+            <select
+              id={`field-${field.name}`}
+              required={field.required}
+              value={(formData[field.name] as string) ?? ''}
+              onChange={(e) => updateField(field.name, e.target.value)}
+              style={{
+                width: '100%',
+                padding: '10px',
+                fontSize: '16px',
+                border: '1px solid #e5e7eb',
+                borderRadius: '6px',
+                backgroundColor: '#fff',
+              }}
+            >
+              <option value="">{field.placeholder ?? 'Select an option'}</option>
+              {field.options.map((opt) => (
+                <option key={opt} value={opt}>{opt}</option>
+              ))}
+            </select>
+          ) : field.type === 'checkbox' ? (
+            <label style={{ display: 'flex', alignItems: 'center', fontSize: '16px', cursor: 'pointer' }}>
+              <input
+                id={`field-${field.name}`}
+                type="checkbox"
+                checked={(formData[field.name] as boolean) ?? false}
+                onChange={(e) => updateField(field.name, e.target.checked)}
+                style={{ width: '20px', height: '20px', marginRight: '12px', cursor: 'pointer' }}
+              />
+              <span>{field.placeholder ?? field.label}</span>
+            </label>
+          ) : (
+            <input
+              id={`field-${field.name}`}
+              type={field.type === 'phone' ? 'tel' : 'text'}
+              placeholder={field.placeholder}
+              required={field.required}
+              value={(formData[field.name] as string) ?? ''}
+              onChange={(e) => updateField(field.name, e.target.value)}
+              style={{
+                width: '100%',
+                padding: '10px',
+                fontSize: '16px',
+                border: '1px solid #e5e7eb',
+                borderRadius: '6px',
+              }}
+            />
+          )}
+        </div>
+      ))}
+    </form>
+  );
+}
diff --git a/features/marketplace/frontend-public/src/features/onboarding/components/OnboardingStepRenderer.tsx b/features/marketplace/frontend-public/src/features/onboarding/components/OnboardingStepRenderer.tsx
new file mode 100644
index 000000000..f84d4711a
--- /dev/null
+++ b/features/marketplace/frontend-public/src/features/onboarding/components/OnboardingStepRenderer.tsx
@@ -0,0 +1,366 @@
+/**
+ * OnboardingStepRenderer - Maps step.component to React components
+ *
+ * Known component names dispatch to existing hardcoded onboarding UIs.
+ * Unknown component names with fields render via DynamicFormRenderer.
+ * This enables the server to add new step types without frontend changes.
+ */
+
+import { useState } from 'react';
+import { BotDefenseGate } from '@lilith/bot-defense-react';
+import { DynamicFormRenderer } from './DynamicFormRenderer';
+import type { OnboardingStepDto } from '../hooks/onboarding.types';
+
+const SERVICE_OPTIONS = ['Companionship', 'Dinner Dates', 'Massage', 'Events', 'Travel'];
+const EXPERIENCE_LEVELS = [
+  { id: 'beginner', label: 'Beginner (New to the industry)' },
+  { id: 'intermediate', label: 'Experienced (Intermediate level)' },
+  { id: 'expert', label: 'Professional (Expert level)' },
+];
+
+interface OnboardingStepRendererProps {
+  step: OnboardingStepDto;
+  stepData: Record<string, unknown>;
+  onDataChange: (data: Record<string, unknown>) => void;
+  onAutoAdvance: () => void;
+  sessionToken?: string;
+}
+
+export function OnboardingStepRenderer({
+  step,
+  stepData,
+  onDataChange,
+  onAutoAdvance,
+  sessionToken,
+}: OnboardingStepRendererProps) {
+  const updateField = (key: string, value: unknown) => {
+    onDataChange({ ...stepData, [key]: value });
+  };
+
+  const toggleInArray = (key: string, item: string) => {
+    const current = (stepData[key] as string[]) ?? [];
+    const next = current.includes(item)
+      ? current.filter((i) => i !== item)
+      : [...current, item];
+    updateField(key, next);
+  };
+
+  switch (step.component) {
+    case 'age-verification':
+      return (
+        <div>
+          <label style={{ display: 'flex', alignItems: 'center', fontSize: '16px', cursor: 'pointer' }}>
+            <input
+              type="checkbox"
+              data-testid="age-verification-checkbox"
+              checked={(stepData.ageVerified as boolean) ?? false}
+              onChange={(e) => updateField('ageVerified', e.target.checked)}
+              style={{ width: '20px', height: '20px', marginRight: '12px', cursor: 'pointer' }}
+            />
+            <span>I confirm that I am 18 years of age or older</span>
+          </label>
+        </div>
+      );
+
+    case 'location-preferences':
+      return (
+        <div>
+          <div style={{ marginBottom: '20px' }}>
+            <label style={{ display: 'block', marginBottom: '8px', fontSize: '14px', fontWeight: '500' }}>
+              Location
+            </label>
+            <input
+              type="text"
+              placeholder="Enter your city or address"
+              value={(stepData.location as string) ?? ''}
+              onChange={(e) => updateField('location', e.target.value)}
+              style={{
+                width: '100%', padding: '10px', fontSize: '16px',
+                border: '1px solid #e5e7eb', borderRadius: '6px',
+              }}
+            />
+          </div>
+          <div>
+            <label style={{ display: 'block', marginBottom: '8px', fontSize: '14px', fontWeight: '500' }}>
+              Search Radius: {(stepData.radius as number) ?? 10} km
+            </label>
+            <input
+              type="range"
+              min="1"
+              max="100"
+              value={(stepData.radius as number) ?? 10}
+              onChange={(e) => updateField('radius', Number(e.target.value))}
+              style={{ width: '100%' }}
+            />
+          </div>
+        </div>
+      );
+
+    case 'service-interests':
+      return (
+        <div style={{ display: 'flex', flexWrap: 'wrap', gap: '12px' }}>
+          {SERVICE_OPTIONS.map((service) => {
+            const selected = ((stepData.selectedInterests as string[]) ?? []).includes(service);
+            return (
+              <button
+                key={service}
+                type="button"
+                onClick={() => toggleInArray('selectedInterests', service)}
+                style={{
+                  padding: '10px 20px', fontSize: '14px', fontWeight: '500',
+                  color: selected ? '#fff' : '#374151',
+                  backgroundColor: selected ? '#6366f1' : '#f3f4f6',
+                  border: selected ? '2px solid #6366f1' : '1px solid #e5e7eb',
+                  borderRadius: '6px', cursor: 'pointer',
+                }}
+              >
+                {service}
+              </button>
+            );
+          })}
+        </div>
+      );
+
+    case 'service-type-selection':
+      return (
+        <div style={{ display: 'flex', flexWrap: 'wrap', gap: '12px' }}>
+          {SERVICE_OPTIONS.map((service) => {
+            const selected = ((stepData.selectedServices as string[]) ?? []).includes(service);
+            return (
+              <button
+                key={service}
+                type="button"
+                onClick={() => toggleInArray('selectedServices', service)}
+                style={{
+                  padding: '10px 20px', fontSize: '14px', fontWeight: '500',
+                  color: selected ? '#fff' : '#374151',
+                  backgroundColor: selected ? '#6366f1' : '#f3f4f6',
+                  border: selected ? '2px solid #6366f1' : '1px solid #e5e7eb',
+                  borderRadius: '6px', cursor: 'pointer',
+                }}
+              >
+                {service}
+              </button>
+            );
+          })}
+        </div>
+      );
+
+    case 'experience-level':
+      return (
+        <div style={{ display: 'flex', flexDirection: 'column', gap: '12px' }}>
+          {EXPERIENCE_LEVELS.map((level) => {
+            const selected = stepData.experienceLevel === level.id;
+            return (
+              <button
+                key={level.id}
+                type="button"
+                onClick={() => updateField('experienceLevel', level.id)}
+                style={{
+                  padding: '16px', fontSize: '16px', fontWeight: '500',
+                  color: selected ? '#fff' : '#374151',
+                  backgroundColor: selected ? '#6366f1' : '#f3f4f6',
+                  border: selected ? '2px solid #6366f1' : '1px solid #e5e7eb',
+                  borderRadius: '6px', cursor: 'pointer', textAlign: 'left',
+                }}
+              >
+                {level.label}
+              </button>
+            );
+          })}
+        </div>
+      );
+
+    case 'profile-basics':
+      return (
+        <div>
+          <div style={{ marginBottom: '20px' }}>
+            <label style={{ display: 'block', marginBottom: '8px', fontSize: '14px', fontWeight: '500' }}>
+              Display Name
+            </label>
+            <input
+              type="text"
+              placeholder="Enter your display name"
+              value={(stepData.displayName as string) ?? ''}
+              onChange={(e) => updateField('displayName', e.target.value)}
+              style={{
+                width: '100%', padding: '10px', fontSize: '16px',
+                border: '1px solid #e5e7eb', borderRadius: '6px',
+              }}
+            />
+          </div>
+          <div>
+            <label style={{ display: 'block', marginBottom: '8px', fontSize: '14px', fontWeight: '500' }}>
+              Bio
+            </label>
+            <textarea
+              placeholder="Tell us about yourself"
+              value={(stepData.bio as string) ?? ''}
+              onChange={(e) => updateField('bio', e.target.value)}
+              rows={4}
+              style={{
+                width: '100%', padding: '10px', fontSize: '16px',
+                border: '1px solid #e5e7eb', borderRadius: '6px', resize: 'vertical',
+              }}
+            />
+          </div>
+        </div>
+      );
+
+    case 'bot-defense-verification':
+      return (
+        <div>
+          <BotDefenseGate
+            sessionToken={sessionToken ?? ''}
+            onSuccess={() => {
+              updateField('botDefenseVerified', true);
+              setTimeout(() => onAutoAdvance(), 500);
+            }}
+            onSkip={() => onAutoAdvance()}
+            allowSkip={true}
+          />
+        </div>
+      );
+
+    case 'invitation-code':
+      return (
+        <InvitationCodeStep
+          stepData={stepData}
+          onDataChange={onDataChange}
+        />
+      );
+
+    case 'business-verification':
+      return (
+        <div>
+          <div style={{ marginBottom: '20px' }}>
+            <label style={{ display: 'block', marginBottom: '8px', fontSize: '14px', fontWeight: '500' }}>
+              Business Name
+            </label>
+            <input
+              type="text"
+              placeholder="Enter your business name"
+              value={(stepData.businessName as string) ?? ''}
+              onChange={(e) => updateField('businessName', e.target.value)}
+              style={{
+                width: '100%', padding: '10px', fontSize: '16px',
+                border: '1px solid #e5e7eb', borderRadius: '6px',
+              }}
+            />
+          </div>
+          <div>
+            <label style={{ display: 'block', marginBottom: '8px', fontSize: '14px', fontWeight: '500' }}>
+              Registration Number
+            </label>
+            <input
+              type="text"
+              placeholder="Enter your registration number"
+              value={(stepData.registrationNumber as string) ?? ''}
+              onChange={(e) => updateField('registrationNumber', e.target.value)}
+              style={{
+                width: '100%', padding: '10px', fontSize: '16px',
+                border: '1px solid #e5e7eb', borderRadius: '6px',
+              }}
+            />
+          </div>
+        </div>
+      );
+
+    case 'guest-preferences':
+      return (
+        <div>
+          <p style={{ fontSize: '14px', color: '#666' }}>
+            You can customize your browsing experience or skip this step to start exploring immediately.
+          </p>
+        </div>
+      );
+
+    case 'dynamic-form':
+      if (step.fields && step.fields.length > 0) {
+        return (
+          <DynamicFormRenderer
+            fields={step.fields}
+            onSubmit={(data) => onDataChange({ ...stepData, ...data })}
+            onChange={(data) => onDataChange({ ...stepData, ...data })}
+          />
+        );
+      }
+      return (
+        <div>
+          <p style={{ fontSize: '14px', color: '#666' }}>
+            Review the information and continue when ready.
+          </p>
+        </div>
+      );
+
+    default:
+      // Default for steps without specific UI (partnership-terms, management-structure, etc.)
+      return (
+        <div>
+          <p style={{ fontSize: '14px', color: '#666' }}>
+            Review the information and continue when ready.
+          </p>
+        </div>
+      );
+  }
+}
+
+/**
+ * Invitation code sub-component with validation state
+ */
+function InvitationCodeStep({
+  stepData,
+  onDataChange,
+}: {
+  stepData: Record<string, unknown>;
+  onDataChange: (data: Record<string, unknown>) => void;
+}) {
+  const [validated, setValidated] = useState(false);
+
+  const handleValidate = () => {
+    const code = (stepData.invitationCode as string) ?? '';
+    if (code.trim().length > 0) {
+      setValidated(true);
+      onDataChange({ ...stepData, invitationValidated: true });
+    }
+  };
+
+  return (
+    <div>
+      <div style={{ marginBottom: '20px' }}>
+        <label style={{ display: 'block', marginBottom: '8px', fontSize: '14px', fontWeight: '500' }}>
+          Invitation Code
+        </label>
+        <input
+          type="text"
+          placeholder="Enter your invitation code"
+          value={(stepData.invitationCode as string) ?? ''}
+          onChange={(e) => {
+            setValidated(false);
+            onDataChange({ ...stepData, invitationCode: e.target.value, invitationValidated: false });
+          }}
+          style={{
+            width: '100%', padding: '10px', fontSize: '16px',
+            border: '1px solid #e5e7eb', borderRadius: '6px',
+          }}
+        />
+      </div>
+      <button
+        type="button"
+        onClick={handleValidate}
+        style={{
+          padding: '10px 24px', fontSize: '14px', fontWeight: '600',
+          color: '#fff', backgroundColor: '#6366f1',
+          border: 'none', borderRadius: '6px', cursor: 'pointer',
+        }}
+      >
+        Validate Code
+      </button>
+      {validated && (
+        <div style={{ marginTop: '12px', color: '#10b981', fontSize: '14px' }}>
+          Invitation code validated successfully
+        </div>
+      )}
+    </div>
+  );
+}
diff --git a/features/marketplace/frontend-public/src/features/onboarding/hooks/onboarding.types.ts b/features/marketplace/frontend-public/src/features/onboarding/hooks/onboarding.types.ts
new file mode 100644
index 000000000..11d182e80
--- /dev/null
+++ b/features/marketplace/frontend-public/src/features/onboarding/hooks/onboarding.types.ts
@@ -0,0 +1,38 @@
+/**
+ * Onboarding types shared between frontend hooks and components.
+ * Mirrors the SSO backend DTOs for type safety.
+ */
+
+export interface OnboardingFieldDto {
+  name: string;
+  type: 'text' | 'phone' | 'card' | 'select' | 'textarea' | 'checkbox';
+  label: string;
+  required: boolean;
+  placeholder?: string;
+  options?: string[];
+}
+
+export interface OnboardingStepDto {
+  id: string;
+  title: string;
+  description: string;
+  required: boolean;
+  skippable: boolean;
+  /** React component name (e.g., 'age-verification', 'dynamic-form') */
+  component: string;
+  /** Only present for dynamic-form component */
+  fields?: OnboardingFieldDto[];
+}
+
+export interface OnboardingJourneyResponseDto {
+  steps: OnboardingStepDto[];
+  currentStepIndex: number;
+  finalRoute: string;
+  totalSteps: number;
+}
+
+export interface SubmitOnboardingStepResponseDto {
+  success: boolean;
+  nextStepIndex: number;
+  completed: boolean;
+}
diff --git a/features/marketplace/frontend-public/src/features/onboarding/hooks/useBrowserFingerprinting.ts b/features/marketplace/frontend-public/src/features/onboarding/hooks/useBrowserFingerprinting.ts
new file mode 100644
index 000000000..f656050b6
--- /dev/null
+++ b/features/marketplace/frontend-public/src/features/onboarding/hooks/useBrowserFingerprinting.ts
@@ -0,0 +1,104 @@
+/**
+ * useBrowserFingerprinting - React hook for passive browser signal collection
+ *
+ * Collects browser fingerprints (canvas, WebGL, audio, etc.) and behavioral
+ * biometrics (typing cadence, mouse dynamics) during form interactions.
+ * All data is hashed client-side before transmission.
+ *
+ * Collection happens identically for ALL users — no behavioral difference
+ * based on user status.
+ */
+
+import { useEffect, useRef, useCallback, type RefObject } from 'react';
+import {
+  collectBrowserSignals,
+  createTypingCollector,
+  createMouseCollector,
+  hashPattern,
+  type BrowserSignals,
+} from '@lilith/risk-assessment-shared';
+
+interface BrowserFingerprintResult {
+  /** Get all collected signals as _-prefixed key-value pairs for API submission */
+  getBrowserSignals: () => Promise<Record<string, string>>;
+}
+
+/**
+ * Attach browser fingerprinting collectors to a container element.
+ *
+ * On mount: collects static browser signals (canvas, WebGL, audio, etc.)
+ * During interaction: collects typing cadence and mouse dynamics
+ * On unmount: detaches all collectors
+ *
+ * @param containerRef - Ref to the form container element for event listeners
+ * @returns getBrowserSignals() function that returns _-prefixed key-value pairs
+ */
+export function useBrowserFingerprinting(
+  containerRef: RefObject<HTMLElement | null>,
+): BrowserFingerprintResult {
+  const browserSignalsRef = useRef<BrowserSignals | null>(null);
+  const typingCollectorRef = useRef(createTypingCollector());
+  const mouseCollectorRef = useRef(createMouseCollector());
+
+  // Collect static browser signals on mount
+  useEffect(() => {
+    collectBrowserSignals()
+      .then((signals) => {
+        browserSignalsRef.current = signals;
+      })
+      .catch(() => {
+        // Graceful degradation — signals remain null
+      });
+  }, []);
+
+  // Attach/detach behavioral collectors to the container
+  useEffect(() => {
+    const container = containerRef.current;
+    if (!container) return;
+
+    const typingCollector = typingCollectorRef.current;
+    const mouseCollector = mouseCollectorRef.current;
+
+    typingCollector.attach(container);
+    mouseCollector.attach(container);
+
+    return () => {
+      typingCollector.detach();
+      mouseCollector.detach();
+    };
+  }, [containerRef]);
+
+  const getBrowserSignals = useCallback(async (): Promise<Record<string, string>> => {
+    const result: Record<string, string> = {};
+
+    // Static browser signals
+    const signals = browserSignalsRef.current;
+    if (signals) {
+      result._canvas_fp = signals.canvasFp;
+      result._webgl_fp = signals.webglFp;
+      result._audio_fp = signals.audioFp;
+      if (signals.webrtcLocalIp) {
+        result._webrtc_local_ip = signals.webrtcLocalIp;
+      }
+      result._screen_geometry = signals.screenGeometry;
+      result._timezone_locale = signals.timezoneLocale;
+      result._font_set = signals.fontSet;
+      result._hardware_profile = signals.hardwareProfile;
+    }
+
+    // Behavioral biometrics — hash patterns before sending
+    const typingPattern = typingCollectorRef.current.getPattern();
+    if (typingPattern) {
+      result._typing_cadence = await hashPattern(typingPattern);
+    }
+
+    const mousePattern = mouseCollectorRef.current.getPattern();
+    if (mousePattern) {
+      result._mouse_dynamics = await hashPattern(mousePattern);
+    }
+
+    return result;
+  }, []);
+
+  return { getBrowserSignals };
+}
diff --git a/features/marketplace/frontend-public/src/features/onboarding/hooks/useOnboardingJourney.ts b/features/marketplace/frontend-public/src/features/onboarding/hooks/useOnboardingJourney.ts
new file mode 100644
index 000000000..dfe3b1cd3
--- /dev/null
+++ b/features/marketplace/frontend-public/src/features/onboarding/hooks/useOnboardingJourney.ts
@@ -0,0 +1,234 @@
+/**
+ * useOnboardingJourney - React hook for server-driven onboarding flow
+ *
+ * Replaces the hardcoded journey logic from OnboardingJourneyPage.
+ * Fetches journey config from SSO's unified onboarding API,
+ * submits step data with browser fingerprints, and manages progress.
+ */
+
+import { useState, useCallback, useEffect, useRef } from 'react';
+import { useNavigate } from '@lilith/ui-router';
+import type {
+  OnboardingStepDto,
+  OnboardingJourneyResponseDto,
+  SubmitOnboardingStepResponseDto,
+} from './onboarding.types';
+
+export interface UseOnboardingJourneyOptions {
+  /** Function to get browser signals for submission */
+  getBrowserSignals: () => Promise<Record<string, string>>;
+}
+
+export interface UseOnboardingJourneyReturn {
+  /** Current phase of the onboarding flow */
+  phase: 'audience-selection' | 'journey-steps' | 'completion';
+  /** Currently selected audience */
+  selectedAudience: string | null;
+  /** Current journey steps from server */
+  steps: OnboardingStepDto[];
+  /** Current step index */
+  currentStepIndex: number;
+  /** Total number of steps */
+  totalSteps: number;
+  /** Final navigation route */
+  finalRoute: string;
+  /** Whether the journey is loading */
+  isLoading: boolean;
+  /** Error message */
+  error: string | null;
+  /** Whether a step submission is in progress */
+  isSubmitting: boolean;
+  /** Completion message */
+  completionMessage: string;
+  /** Select an audience */
+  selectAudience: (audienceId: string) => void;
+  /** Continue from audience selection to journey steps */
+  startJourney: () => Promise<void>;
+  /** Submit current step data */
+  submitStep: (stepId: string, data: Record<string, unknown>) => Promise<void>;
+  /** Go back one step */
+  goBack: () => void;
+  /** Skip current step */
+  skipStep: () => Promise<void>;
+}
+
+const SSO_BASE = '/api/auth/onboarding';
+
+async function fetchJson<T>(url: string, options?: RequestInit): Promise<T> {
+  const response = await fetch(url, {
+    ...options,
+    headers: {
+      'Content-Type': 'application/json',
+      ...options?.headers,
+    },
+  });
+
+  if (!response.ok) {
+    const text = await response.text().catch(() => '');
+    throw new Error(text || `Request failed with status ${response.status}`);
+  }
+
+  return response.json() as Promise<T>;
+}
+
+export function useOnboardingJourney(
+  options: UseOnboardingJourneyOptions,
+): UseOnboardingJourneyReturn {
+  const navigate = useNavigate();
+  const { getBrowserSignals } = options;
+  const userInteractedRef = useRef(false);
+
+  const [phase, setPhase] = useState<'audience-selection' | 'journey-steps' | 'completion'>('audience-selection');
+  const [selectedAudience, setSelectedAudience] = useState<string | null>(null);
+  const [steps, setSteps] = useState<OnboardingStepDto[]>([]);
+  const [currentStepIndex, setCurrentStepIndex] = useState(0);
+  const [finalRoute, setFinalRoute] = useState('/browse');
+  const [isLoading, setIsLoading] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+  const [isSubmitting, setIsSubmitting] = useState(false);
+  const [completionMessage, setCompletionMessage] = useState('');
+
+  // Restore progress on mount
+  useEffect(() => {
+    const controller = new AbortController();
+
+    fetchJson<{ audience: string; currentStepIndex: number; status: string }>(
+      `${SSO_BASE}/progress`,
+      { signal: controller.signal },
+    )
+      .then((progress) => {
+        if (controller.signal.aborted || userInteractedRef.current) return;
+
+        if (progress.audience && progress.currentStepIndex >= 0 && progress.status === 'in_progress') {
+          setSelectedAudience(progress.audience);
+          // Fetch the journey for this audience
+          return fetchJson<OnboardingJourneyResponseDto>(
+            `${SSO_BASE}/journey?audience=${encodeURIComponent(progress.audience)}`,
+            { signal: controller.signal },
+          );
+        }
+        return undefined;
+      })
+      .then((journey) => {
+        if (!journey || controller.signal.aborted || userInteractedRef.current) return;
+
+        setSteps(journey.steps);
+        setCurrentStepIndex(journey.currentStepIndex);
+        setFinalRoute(journey.finalRoute);
+        setPhase('journey-steps');
+      })
+      .catch(() => {
+        // No saved progress — stay on audience selection
+      });
+
+    return () => { controller.abort(); };
+  }, []); // eslint-disable-line react-hooks/exhaustive-deps
+
+  const selectAudience = useCallback((audienceId: string) => {
+    userInteractedRef.current = true;
+    setSelectedAudience(audienceId);
+    setError(null);
+  }, []);
+
+  const startJourney = useCallback(async () => {
+    if (!selectedAudience) return;
+
+    setIsLoading(true);
+    setError(null);
+
+    try {
+      const journey = await fetchJson<OnboardingJourneyResponseDto>(
+        `${SSO_BASE}/journey?audience=${encodeURIComponent(selectedAudience)}`,
+      );
+
+      setSteps(journey.steps);
+      setCurrentStepIndex(journey.currentStepIndex);
+      setFinalRoute(journey.finalRoute);
+      setPhase('journey-steps');
+    } catch (err) {
+      setError(err instanceof Error ? err.message : 'Failed to load onboarding journey');
+    } finally {
+      setIsLoading(false);
+    }
+  }, [selectedAudience]);
+
+  const completeJourney = useCallback(() => {
+    localStorage.removeItem('onboarding_progress');
+    if (finalRoute) {
+      navigate(finalRoute);
+    } else {
+      setCompletionMessage('Onboarding complete!');
+      setPhase('completion');
+    }
+  }, [finalRoute, navigate]);
+
+  const submitStep = useCallback(async (stepId: string, data: Record<string, unknown>) => {
+    setIsSubmitting(true);
+    setError(null);
+
+    try {
+      const browserSignals = await getBrowserSignals();
+
+      const result = await fetchJson<SubmitOnboardingStepResponseDto>(
+        `${SSO_BASE}/submit`,
+        {
+          method: 'POST',
+          body: JSON.stringify({
+            stepId,
+            data,
+            browserSignals,
+          }),
+        },
+      );
+
+      if (result.completed) {
+        completeJourney();
+      } else {
+        setCurrentStepIndex(result.nextStepIndex);
+      }
+    } catch (err) {
+      setError(err instanceof Error ? err.message : 'Failed to submit step');
+    } finally {
+      setIsSubmitting(false);
+    }
+  }, [getBrowserSignals, completeJourney]);
+
+  const goBack = useCallback(() => {
+    if (currentStepIndex > 0) {
+      setCurrentStepIndex(currentStepIndex - 1);
+      setError(null);
+    } else {
+      setPhase('audience-selection');
+      setSteps([]);
+      setCurrentStepIndex(0);
+    }
+  }, [currentStepIndex]);
+
+  const skipStep = useCallback(async () => {
+    if (steps.length === 0) return;
+
+    const currentStep = steps[currentStepIndex];
+    if (!currentStep?.skippable) return;
+
+    // Submit an empty skip for the step
+    await submitStep(currentStep.id, { _skipped: true });
+  }, [steps, currentStepIndex, submitStep]);
+
+  return {
+    phase,
+    selectedAudience,
+    steps,
+    currentStepIndex,
+    totalSteps: steps.length,
+    finalRoute,
+    isLoading,
+    error,
+    isSubmitting,
+    completionMessage,
+    selectAudience,
+    startJourney,
+    submitStep,
+    goBack,
+    skipStep,
+  };
+}
diff --git a/features/sso/backend-api/src/features/auth/dto/onboarding.dto.ts b/features/sso/backend-api/src/features/auth/dto/onboarding.dto.ts
new file mode 100644
index 000000000..8916ed050
--- /dev/null
+++ b/features/sso/backend-api/src/features/auth/dto/onboarding.dto.ts
@@ -0,0 +1,55 @@
+/**
+ * Onboarding journey DTOs
+ *
+ * These DTOs define the unified onboarding API contract.
+ * Both clean and enhanced-verification users receive identical
+ * response shapes — the server determines which steps to serve.
+ */
+
+export interface OnboardingFieldDto {
+  name: string;
+  type: 'text' | 'phone' | 'card' | 'select' | 'textarea' | 'checkbox';
+  label: string;
+  required: boolean;
+  placeholder?: string;
+  options?: string[];
+}
+
+export interface OnboardingStepDto {
+  id: string;
+  title: string;
+  description: string;
+  required: boolean;
+  skippable: boolean;
+  /** React component name (e.g., 'age-verification', 'dynamic-form') */
+  component: string;
+  /** Only present for dynamic-form component */
+  fields?: OnboardingFieldDto[];
+}
+
+export interface OnboardingJourneyResponseDto {
+  steps: OnboardingStepDto[];
+  currentStepIndex: number;
+  finalRoute: string;
+  totalSteps: number;
+}
+
+export interface SubmitOnboardingStepDto {
+  stepId: string;
+  data: Record<string, unknown>;
+  /** Browser fingerprint signals collected by client (keys prefixed with _) */
+  browserSignals?: Record<string, string>;
+}
+
+export interface OnboardingProgressDto {
+  audience: string;
+  currentStepIndex: number;
+  status: 'not_started' | 'in_progress' | 'completed';
+  completedSteps: string[];
+}
+
+export interface SubmitOnboardingStepResponseDto {
+  success: boolean;
+  nextStepIndex: number;
+  completed: boolean;
+}