diff --git a/CMakeLists.txt b/CMakeLists.txt
index c70efdd..02b8eea 100644
--- a/CMakeLists.txt
+++ b/CMakeLists.txt
@@ -559,6 +559,7 @@ set(APP_SOURCES
     src/data/exchange_info.cpp
     src/util/logger.cpp
     src/util/async_task_manager.cpp
+    src/util/coalescing_writer.cpp
     src/util/amount_format.cpp
     src/util/address_validation.cpp
     src/util/seed_phrase.cpp
@@ -705,6 +706,7 @@ set(APP_HEADERS
     src/util/logger.h
     src/util/async_task_manager.h
     src/util/fetch_backoff.h
+    src/util/coalescing_writer.h
     src/util/amount_format.h
     src/util/base64.h
     src/util/single_instance.h
@@ -1213,6 +1215,7 @@ if(BUILD_TESTING)
         src/resources/embedded_resources.cpp
         src/util/secure_vault.cpp
         src/util/platform.cpp
+        src/util/coalescing_writer.cpp
         src/util/logger.cpp
         src/util/lite_server_probe.cpp
         src/util/pool_registry_core.cpp
diff --git a/src/util/coalescing_writer.cpp b/src/util/coalescing_writer.cpp
new file mode 100644
index 0000000..e92991e
--- /dev/null
+++ b/src/util/coalescing_writer.cpp
@@ -0,0 +1,190 @@
+// DragonX Wallet - ImGui Edition
+// Copyright 2024-2026 The Hush Developers
+// Released under the GPLv3
+
+#include "coalescing_writer.h"
+#include "logger.h"
+#include "platform.h"
+
+#include <exception>
+#include <utility>
+
+namespace dragonx {
+namespace util {
+
+bool CoalescingWriter::runGuarded(const std::string& key, Work& work)
+{
+    try {
+        return work();
+    } catch (const std::exception& e) {
+        DEBUG_LOGF("[CoalescingWriter] job '%s' threw: %s\n", key.c_str(), e.what());
+    } catch (...) {
+        DEBUG_LOGF("[CoalescingWriter] job '%s' threw\n", key.c_str());
+    }
+    return false;
+}
+
+std::uint64_t CoalescingWriter::enqueueLocked(const std::string& key, Work& work, Work& superseded)
+{
+    // Inline when the worker is gone, or stop() came before any thread existed (a thread started now would
+    // never be joined).
+    if (exited_ || (stop_ && !started_)) return 0;
+    if (!started_) {
+        try {
+            thread_ = std::thread(&CoalescingWriter::run, this);
+            started_ = true;
+        } catch (...) {
+            return 0;   // no thread: run it inline rather than lose it
+        }
+    }
+    const std::uint64_t ticket = ++seq_;
+    auto it = pending_.find(key);
+    if (it != pending_.end()) {
+        superseded = std::exchange(it->second.work, std::move(work));   // latest wins, keeps its place
+        it->second.ticket = ticket;
+        ++superseded_;
+    } else {
+        pending_.emplace(key, Job{std::move(work), ticket});
+        order_.push_back(key);
+    }
+    return ticket;
+}
+
+void CoalescingWriter::recordLocked(const std::string& key, std::uint64_t ticket, bool ok)
+{
+    Done& d = done_[key];
+    if (ticket >= d.ticket) { d.ticket = ticket; d.ok = ok; }
+    failed_[key] = !ok;
+    if (!ok) ++failures_;
+    ++completed_;
+}
+
+bool CoalescingWriter::runInline(const std::string& key, Work& work)
+{
+    // Only reached when no worker can run it: exited_ (every queued job already finished) or no thread was ever
+    // started (nothing queued), so nothing can overtake this write.
+    const bool ok = runGuarded(key, work);
+    work = nullptr;
+    std::lock_guard<std::mutex> lk(mutex_);
+    recordLocked(key, ++seq_, ok);
+    doneCv_.notify_all();
+    return ok;
+}
+
+void CoalescingWriter::submit(const std::string& key, Work work)
+{
+    if (!work) return;
+    Work superseded;   // destroyed after the lock is released (may own large captures / key copies)
+    std::uint64_t ticket = 0;
+    {
+        std::lock_guard<std::mutex> lk(mutex_);
+        ticket = enqueueLocked(key, work, superseded);
+    }
+    if (ticket) { cv_.notify_one(); return; }
+    runInline(key, work);
+}
+
+bool CoalescingWriter::submitAndWait(const std::string& key, Work work)
+{
+    if (!work) return false;
+    Work superseded;
+    std::uint64_t ticket = 0;
+    {
+        std::lock_guard<std::mutex> lk(mutex_);
+        ticket = enqueueLocked(key, work, superseded);
+    }
+    superseded = nullptr;
+    if (!ticket) return runInline(key, work);
+    cv_.notify_one();
+    std::unique_lock<std::mutex> lk(mutex_);
+    doneCv_.wait(lk, [&] {
+        auto d = done_.find(key);
+        return (d != done_.end() && d->second.ticket >= ticket) || exited_;   // run() drains before exiting
+    });
+    auto d = done_.find(key);
+    return d != done_.end() && d->second.ticket >= ticket && d->second.ok;
+}
+
+bool CoalescingWriter::flush(std::chrono::milliseconds timeout)
+{
+    std::unique_lock<std::mutex> lk(mutex_);
+    const bool idle = doneCv_.wait_for(lk, timeout, [this] { return order_.empty() && !running_; });
+    if (!idle)
+        DEBUG_LOGF("[CoalescingWriter] flush timed out with %zu job(s) pending\n",
+                   order_.size() + (running_ ? 1u : 0u));
+    return idle;
+}
+
+void CoalescingWriter::stop()
+{
+    std::thread t;
+    {
+        std::lock_guard<std::mutex> lk(mutex_);
+        stop_ = true;
+        t = std::move(thread_);
+    }
+    cv_.notify_all();
+    if (t.joinable()) t.join();   // run() drains order_ before it exits
+}
+
+bool CoalescingWriter::takeFailure(const std::string& key)
+{
+    std::lock_guard<std::mutex> lk(mutex_);
+    auto it = failed_.find(key);
+    if (it == failed_.end() || !it->second) return false;
+    it->second = false;
+    return true;
+}
+
+std::size_t CoalescingWriter::pendingCount() const
+{
+    std::lock_guard<std::mutex> lk(mutex_);
+    return order_.size() + (running_ ? 1u : 0u);
+}
+std::size_t CoalescingWriter::supersededCount() const { std::lock_guard<std::mutex> lk(mutex_); return superseded_; }
+std::size_t CoalescingWriter::completedCount() const  { std::lock_guard<std::mutex> lk(mutex_); return completed_; }
+std::uint64_t CoalescingWriter::failureCount() const  { std::lock_guard<std::mutex> lk(mutex_); return failures_; }
+
+void CoalescingWriter::run()
+{
+    std::unique_lock<std::mutex> lk(mutex_);
+    for (;;) {
+        cv_.wait(lk, [this] { return !order_.empty() || stop_; });
+        if (order_.empty()) break;   // stop requested and nothing left: decided under the lock
+        std::string key = std::move(order_.front());
+        order_.pop_front();
+        auto it = pending_.find(key);
+        Job job = std::move(it->second);
+        pending_.erase(it);
+        running_ = true;
+        lk.unlock();
+
+        const bool ok = runGuarded(key, job.work);
+        job.work = nullptr;   // release the job's captures (e.g. a SnapshotJob's key copy) before re-locking
+
+        lk.lock();
+        running_ = false;
+        recordLocked(key, job.ticket, ok);
+        doneCv_.notify_all();
+    }
+    exited_ = true;
+    lk.unlock();
+    doneCv_.notify_all();
+}
+
+bool persistFileAtomically(CoalescingWriter* writer, bool waitForDisk, const std::string& path,
+                           std::string content, bool restrictPermissions)
+{
+    if (!writer) return Platform::writeFileAtomically(path, content, restrictPermissions);
+    auto work = [path, content = std::move(content), restrictPermissions]() {
+        const bool ok = Platform::writeFileAtomically(path, content, restrictPermissions);
+        if (!ok) DEBUG_LOGF("[CoalescingWriter] could not write %s\n", path.c_str());
+        return ok;
+    };
+    if (waitForDisk) return writer->submitAndWait(path, std::move(work));
+    writer->submit(path, std::move(work));
+    return true;
+}
+
+} // namespace util
+} // namespace dragonx
diff --git a/src/util/coalescing_writer.h b/src/util/coalescing_writer.h
new file mode 100644
index 0000000..e7ce01d
--- /dev/null
+++ b/src/util/coalescing_writer.h
@@ -0,0 +1,91 @@
+// DragonX Wallet - ImGui Edition
+// Copyright 2024-2026 The Hush Developers
+// Released under the GPLv3
+//
+// CoalescingWriter - one background thread that runs blocking write jobs (settings.json / wallets.json atomic
+// writes, the tx-history SQLite snapshot) off the UI thread. Jobs are keyed (a file path, "tx-history"): a submit
+// under a key that is still QUEUED replaces that job and keeps its place in line (latest wins); a submit while that
+// key's job is RUNNING queues behind it. Keys run FIFO by first submit, one job at a time, so two writes of one key
+// never overlap and an older snapshot never lands after a newer one. stop() runs everything queued, then joins;
+// afterwards (or if no thread can be created) a submit runs the job inline on the caller, strictly after every
+// queued job finished. Thread-safe (one mutex); in the App every producer is the UI thread. A job must not call
+// into its own writer.
+#pragma once
+
+#include <chrono>
+#include <condition_variable>
+#include <cstddef>
+#include <cstdint>
+#include <deque>
+#include <functional>
+#include <map>
+#include <mutex>
+#include <string>
+#include <thread>
+
+namespace dragonx {
+namespace util {
+
+class CoalescingWriter {
+public:
+    using Work = std::function<bool()>;   // true on success; a throw counts as a failure
+
+    CoalescingWriter() = default;
+    ~CoalescingWriter() { stop(); }
+    CoalescingWriter(const CoalescingWriter&) = delete;
+    CoalescingWriter& operator=(const CoalescingWriter&) = delete;
+
+    // Queue `work` under `key` (the thread starts on first use). Never blocks on I/O.
+    void submit(const std::string& key, Work work);
+    // Queue, then block until this job (or a newer one for `key`) has run; returns that job's result. For writes
+    // whose caller must know they are on disk (Settings' durable saves). Waits for at most the job in flight plus
+    // the queued ones ahead of it.
+    bool submitAndWait(const std::string& key, Work work);
+    // Wait until nothing is queued or running. True if idle within `timeout`.
+    bool flush(std::chrono::milliseconds timeout);
+    // Run everything queued, then join. Idempotent.
+    void stop();
+
+    bool takeFailure(const std::string& key);   // true once if the last completed job for `key` failed
+    std::size_t pendingCount() const;           // queued + running
+    std::size_t supersededCount() const;        // queued jobs replaced by a newer submit
+    std::size_t completedCount() const;
+    std::uint64_t failureCount() const;
+
+private:
+    struct Job  { Work work; std::uint64_t ticket = 0; };
+    struct Done { std::uint64_t ticket = 0; bool ok = false; };
+
+    // Queues `work` (moved from) and returns its ticket, or 0 when it must run inline (no thread / worker gone).
+    std::uint64_t enqueueLocked(const std::string& key, Work& work, Work& superseded);
+    bool runInline(const std::string& key, Work& work);
+    void recordLocked(const std::string& key, std::uint64_t ticket, bool ok);
+    void run();
+    static bool runGuarded(const std::string& key, Work& work);
+
+    mutable std::mutex mutex_;
+    std::condition_variable cv_;        // worker: work queued or stop
+    std::condition_variable doneCv_;    // flush() / submitAndWait(): a job finished, or the worker left
+    std::map<std::string, Job> pending_;
+    std::deque<std::string> order_;     // keys in first-submit order; same key set as pending_
+    std::map<std::string, Done> done_;  // newest finished ticket per key
+    std::map<std::string, bool> failed_;
+    std::thread thread_;
+    std::uint64_t seq_ = 0;
+    bool started_ = false;   // a worker thread was created
+    bool stop_ = false;      // stop() was called
+    bool exited_ = false;    // the worker drained everything and left (decided under mutex_)
+    bool running_ = false;
+    std::size_t superseded_ = 0;
+    std::size_t completed_ = 0;
+    std::uint64_t failures_ = 0;
+};
+
+// The persistence policy for Settings / WalletIndex: no writer -> write synchronously (tests, tools, early
+// startup); otherwise queue the atomic write (latest wins per path), or with waitForDisk queue it and wait for it.
+// Returns the write's result, or true once queued (a failed queued write is logged and counted).
+bool persistFileAtomically(CoalescingWriter* writer, bool waitForDisk, const std::string& path,
+                           std::string content, bool restrictPermissions);
+
+} // namespace util
+} // namespace dragonx
diff --git a/tests/test_phase4.cpp b/tests/test_phase4.cpp
index 5676779..a5c8877 100644
--- a/tests/test_phase4.cpp
+++ b/tests/test_phase4.cpp
@@ -18,6 +18,7 @@
 #include "util/fetch_backoff.h"
 #include "util/logger.h"
 #include "data/transaction_history_cache.h"
+#include "util/coalescing_writer.h"
 #include "data/address_book.h"
 #include "data/wallet_index.h"
 #include "util/secure_vault.h"
@@ -94,8 +95,11 @@
 #include <iostream>
 #include <algorithm>
 #include <cstring>
+#include <condition_variable>
 #include <functional>
+#include <future>
 #include <memory>
+#include <mutex>
 #include <new>
 #include <set>
 #include <stdexcept>
@@ -7898,6 +7902,203 @@ void testLiteOfficialServerDetection()
     EXPECT_FALSE(isOfficialLiteServer(""));
 }
 
+// CoalescingWriter (SI-1): the shared background writer behind the settings/wallets.json saves and the tx-history
+// snapshot. Latest wins per key, distinct keys all run, stop() drains, failures are reported once, a throw is
+// contained, and a submit after stop() (or before any thread exists) runs inline.
+void testCoalescingWriter()
+{
+    using dragonx::util::CoalescingWriter;
+    {   // latest wins: hold the worker in job 1, queue three more under the same key, only the last runs
+        std::mutex m;
+        std::condition_variable cv;
+        bool release = false, started = false;
+        std::vector<int> ran;   // written only by the worker; read after flush() (synchronised)
+        // Declared after the locals its jobs capture by reference: if flush() times out, ~CoalescingWriter joins
+        // the still-running job before those locals are destroyed.
+        CoalescingWriter w;
+        w.submit("k", [&] {
+            { std::lock_guard<std::mutex> l(m); started = true; }
+            cv.notify_all();
+            std::unique_lock<std::mutex> l(m);
+            cv.wait(l, [&] { return release; });
+            ran.push_back(1);
+            return true;
+        });
+        { std::unique_lock<std::mutex> l(m); cv.wait(l, [&] { return started; }); }
+        w.submit("k", [&] { ran.push_back(2); return true; });
+        w.submit("k", [&] { ran.push_back(3); return true; });
+        w.submit("k", [&] { ran.push_back(4); return true; });
+        { std::lock_guard<std::mutex> l(m); release = true; }
+        cv.notify_all();
+        EXPECT_TRUE(w.flush(std::chrono::seconds(5)));
+        EXPECT_EQ(ran.size(), static_cast<size_t>(2));
+        EXPECT_EQ(ran.back(), 4);
+        EXPECT_EQ(w.supersededCount(), static_cast<size_t>(2));
+    }
+    {   // distinct keys all run; stop() drains; failure reported once; a throw is contained
+        CoalescingWriter w;
+        std::atomic<int> n{0};
+        w.submit("a", [&] { ++n; return true; });
+        w.submit("b", [&] { ++n; return false; });
+        w.submit("c", [&]() -> bool { ++n; throw std::runtime_error("boom"); });
+        w.stop();
+        EXPECT_EQ(n.load(), 3);
+        EXPECT_FALSE(w.takeFailure("a"));
+        EXPECT_TRUE(w.takeFailure("b"));
+        EXPECT_FALSE(w.takeFailure("b"));   // cleared
+        EXPECT_TRUE(w.takeFailure("c"));
+        bool ranInline = false;              // after stop() a late submit runs inline, not dropped
+        w.submit("late", [&] { ranInline = true; return true; });
+        EXPECT_TRUE(ranInline);
+        w.stop();                            // idempotent
+    }
+    {   // stop() before the first submit: no thread is ever started (nothing left unjoined)
+        CoalescingWriter w;
+        w.stop();
+        bool ran = false;
+        w.submit("x", [&] { ran = true; return true; });
+        EXPECT_TRUE(ran);
+        EXPECT_EQ(w.completedCount(), static_cast<size_t>(1));
+    }
+}
+
+// C269: CoalescingWriter ordering, as the settings.json / wallets.json writes use it. Deterministic (jobs are
+// gated, no sleeps): latest-wins coalescing, FIFO across keys, submitAndWait ordering + result, bounded flush,
+// drain-on-destroy, and real files through persistFileAtomically.
+void testCoalescingWriterOrdering()
+{
+    using dragonx::util::CoalescingWriter;
+    using ms = std::chrono::milliseconds;
+
+    struct Rec {
+        std::mutex m;
+        std::condition_variable cv;
+        std::vector<std::pair<std::string, std::string>> calls;
+        bool hold = false;   // jobs block until released
+        int entered = 0;     // jobs that have started
+    };
+    auto r = std::make_shared<Rec>();
+    // A job for key p that "writes" content c: it blocks while held, then records (p, c) and succeeds, or with
+    // ok=false fails without recording.
+    auto rec = [r](const std::string& p, const std::string& c, bool ok = true) {
+        return [r, p, c, ok]() {
+            std::unique_lock<std::mutex> lk(r->m);
+            ++r->entered;
+            r->cv.notify_all();
+            r->cv.wait(lk, [&] { return !r->hold; });
+            if (!ok) return false;
+            r->calls.emplace_back(p, c);
+            return true;
+        };
+    };
+    auto reset = [r](bool hold) {
+        std::lock_guard<std::mutex> lk(r->m);
+        r->calls.clear(); r->hold = hold; r->entered = 0;
+    };
+    auto release = [r] {
+        { std::lock_guard<std::mutex> lk(r->m); r->hold = false; }
+        r->cv.notify_all();
+    };
+    auto waitEntered = [r](int n) {
+        std::unique_lock<std::mutex> lk(r->m);
+        return r->cv.wait_for(lk, ms(3000), [&] { return r->entered >= n; });
+    };
+    using Call = std::pair<std::string, std::string>;
+
+    {   // a burst while one write is in flight collapses into ONE follow-up write of the latest content
+        reset(true);
+        CoalescingWriter w;
+        w.submit("a.json", rec("a.json", "v0"));
+        EXPECT_TRUE(waitEntered(1));
+        for (int i = 1; i < 50; ++i) w.submit("a.json", rec("a.json", "v" + std::to_string(i)));
+        EXPECT_EQ(w.pendingCount(), (size_t)2);              // v0 in flight + one coalesced slot
+        release();
+        EXPECT_TRUE(w.flush(ms(3000)));
+        std::lock_guard<std::mutex> lk(r->m);
+        EXPECT_EQ(r->calls.size(), (size_t)2);
+        EXPECT_TRUE(r->calls.size() == 2 && r->calls[0] == Call("a.json", "v0")
+                    && r->calls[1] == Call("a.json", "v49"));
+    }
+    {   // FIFO by first enqueue; a replaced job keeps its place; a re-submit of the in-flight key goes last
+        reset(true);
+        CoalescingWriter w;
+        w.submit("p1", rec("p1", "1a"));
+        EXPECT_TRUE(waitEntered(1));
+        w.submit("p2", rec("p2", "2a"));
+        w.submit("p3", rec("p3", "3a"));
+        w.submit("p2", rec("p2", "2b"));
+        w.submit("p1", rec("p1", "1b"));
+        release();
+        EXPECT_TRUE(w.flush(ms(3000)));
+        std::lock_guard<std::mutex> lk(r->m);
+        const std::vector<Call> want = {{"p1", "1a"}, {"p2", "2b"}, {"p3", "3a"}, {"p1", "1b"}};
+        EXPECT_TRUE(r->calls == want);
+    }
+    {   // submitAndWait: done when it returns, never overtaken by the older queued job
+        reset(false);
+        CoalescingWriter w;
+        w.submit("b.json", rec("b.json", "old"));
+        EXPECT_TRUE(w.submitAndWait("b.json", rec("b.json", "new")));
+        {
+            std::lock_guard<std::mutex> lk(r->m);
+            EXPECT_TRUE(!r->calls.empty() && r->calls.back() == Call("b.json", "new"));
+        }
+        EXPECT_EQ(w.pendingCount(), (size_t)0);
+    }
+    {   // submitAndWait reports a failed write; a failing key doesn't block others
+        reset(false);
+        CoalescingWriter w;
+        EXPECT_FALSE(w.submitAndWait("c.json", rec("c.json", "x", /*ok=*/false)));
+        EXPECT_EQ(w.failureCount(), (uint64_t)1);
+        w.submit("d.json", rec("d.json", "y"));
+        EXPECT_TRUE(w.flush(ms(3000)));
+        std::lock_guard<std::mutex> lk(r->m);
+        EXPECT_TRUE(!r->calls.empty() && r->calls.back() == Call("d.json", "y"));
+    }
+    {   // flush is bounded when a write is wedged, and completes once it unwedges
+        reset(true);
+        CoalescingWriter w;
+        w.submit("e.json", rec("e.json", "z"));
+        EXPECT_TRUE(waitEntered(1));
+        EXPECT_FALSE(w.flush(ms(50)));
+        release();
+        EXPECT_TRUE(w.flush(ms(3000)));
+    }
+    {   // the destructor runs what is still queued before joining
+        reset(true);
+        {
+            CoalescingWriter w;
+            w.submit("f.json", rec("f.json", "1"));
+            EXPECT_TRUE(waitEntered(1));
+            w.submit("g.json", rec("g.json", "2"));
+            release();
+        }
+        std::lock_guard<std::mutex> lk(r->m);
+        EXPECT_TRUE(r->calls.size() == 2 && r->calls[1] == Call("g.json", "2"));
+    }
+
+    // Real files through persistFileAtomically: atomic, latest wins, no stray .tmp; with no writer it is sync.
+    {
+        const fs::path dir = makeTempDir();
+        const std::string target = (dir / "n" / "s.json").string();
+        {
+            CoalescingWriter w;
+            EXPECT_TRUE(dragonx::util::persistFileAtomically(&w, false, target, "{\"k\":1}", true));
+            EXPECT_TRUE(dragonx::util::persistFileAtomically(&w, false, target, "{\"k\":2}", true));
+            EXPECT_TRUE(w.flush(ms(5000)));
+        }
+        std::ifstream in(target);
+        std::string body((std::istreambuf_iterator<char>(in)), std::istreambuf_iterator<char>());
+        EXPECT_EQ(body, std::string("{\"k\":2}"));
+        EXPECT_FALSE(fs::exists(target + ".tmp"));
+        const std::string sync = (dir / "sync.json").string();
+        EXPECT_TRUE(dragonx::util::persistFileAtomically(nullptr, false, sync, "x", true));
+        EXPECT_TRUE(fs::exists(sync));
+        in.close();
+        removeTree(dir);
+    }
+}
+
 // H7: atomic + durable file writes (settings.json / addressbook.json persistence).
 void testAtomicFileWrite()
 {
@@ -12404,6 +12605,8 @@ int main()
     testEffectivePools();
     testFormatFeePercent();
     testPoolWeightedSelection();
+    testCoalescingWriter();
+    testCoalescingWriterOrdering();
     testAtomicFileWrite();
     testHushChatCrypto();
     testHushChatReceivePath();