diff --git a/CHANGELOG.md b/CHANGELOG.md
index 27d4ef0..5bba0fc 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -1,5 +1,10 @@
 # Changelog
 
+## v1.0.0 — 2026-09-24 14:20
+- **Multiplayer step 1/12 (ISS-105): `players` table replaces the singleton `account`.** New `players` table (`id TEXT PK`, `provider`, `username`, `cash REAL`, `reputation REAL`) in the raw DDL (`lib/db/client.ts`) and a matching Drizzle entry (`lib/db/schema.ts`; `AccountRow` → `PlayerRow`). **One-time migration**: on every `open()`, if the legacy `account` table still exists (sqlite_master check, same guard style as the v0.12.0 contracts migration) AND `players` is empty, its single row is copied into a seeded local player — id `local`, provider `local`, username `kamilkrzywda` (so a later step can join players↔users on username) with cash/reputation carried over — and `account` is dropped. Idempotent: fresh DBs never have `account`, already-migrated files no longer do either, so it runs exactly once per legacy file. **Fresh worlds**: the DDL no longer creates `account`; first-run seeding (empty-check flipped from `COUNT(*) FROM account` to `players`) inserts the local player row directly with the same starting cash/reputation as before.
+- **No behavior change — temporary single-player helper.** Every pre-multiplayer read/write of the singleton economy now goes through ONE small module, `lib/db/localPlayer.ts`: `getLocalPlayer(inst)` (resolves the `players` row where id = 'local', throws if missing) and `updateLocalPlayerEconomy(inst, {cash?, reputation?})`. Call sites converted: snapshot (`lib/game/state.ts`), all five actions (`flyPlane` refuel, abandon penalty, buy/sell plane, repair — `lib/game/actions.ts`), the engine's delivery awards + chain top-up + spawn reputation read (`lib/sim/engine.ts`), and the three test hooks (add-cash / set-cash / create-package). The `/api/state` snapshot keeps its exact `account: {cash, reputation}` field name and values, so OpenAPI is untouched — 17 paths, same schemas.
+- **Tests.** Unit: fresh DB now asserts the seeded local player row (`local`/`local`/`kamilkrzywda`, starting cash/reputation) AND that no `account` table exists; new dedicated migration test builds a minimal legacy file containing only an `account` table and verifies open() copies its row into the local player, drops `account`, and is a no-op on second open. All existing suites (actions, engine, client, buy/sell/abandon routes) now read/write through the helper; the admin rows CRUD test's PK-less-table example moves from `account` to `sim_state` (the only remaining PK-less table), and the admin tables-list expectation swaps `account` → `players`. No new e2e spec — behavior is byte-identical and CI's existing suite covers the UI paths; a fresh-stack boot exercises the new seed path.
+
 ## v0.73.0 — 2026-09-24 12:24
 - **New-package toasts removed.** The client-side snapshot diff in `lib/deriveEvents.ts` no longer emits "New package available" info toasts when a contract appears (the user was spammed by them); the first-snapshot guard and every other event type — delivered, expired, landed, bought, sold — are unchanged.
 
diff --git a/app/api/admin/tables/[name]/rows/route.test.ts b/app/api/admin/tables/[name]/rows/route.test.ts
index c6d3c63..1268ae1 100644
--- a/app/api/admin/tables/[name]/rows/route.test.ts
+++ b/app/api/admin/tables/[name]/rows/route.test.ts
@@ -62,43 +62,43 @@ describe('admin rows CRUD', () => {
     adminSession = await createSession(await getGameDb(), 'admin-kamilkrzywda');
   });
 
-  it('GET returns columns + rows with __rowid for the PK-less account table', async () => {
-    const res = await getRows('account');
+  it('GET returns columns + rows with __rowid for the PK-less sim_state table', async () => {
+    const res = await getRows('sim_state');
     expect(res.status).toBe(200);
     const body = (await res.json()) as { columns: string[]; rows: Array<Record<string, unknown>> };
     expect(body.columns[0]).toBe('__rowid');
-    for (const col of ['cash', 'reputation']) expect(body.columns).toContain(col);
-    expect(body.rows).toHaveLength(1); // the single seeded account row
+    for (const col of ['clock_ms', 'time_scale']) expect(body.columns).toContain(col);
+    expect(body.rows).toHaveLength(1); // the single seeded sim_state row
     expect(typeof body.rows[0].__rowid).toBe('number');
-    expect(typeof body.rows[0].cash).toBe('number');
+    expect(typeof body.rows[0].clock_ms).toBe('number');
   });
 
   it('PUT updates a cell and the change survives a re-fetch', async () => {
-    const before = await (await getRows('account')).json();
-    const originalCash = (before as { rows: Array<Record<string, unknown>> }).rows[0].cash;
+    const before = await (await getRows('sim_state')).json();
+    const originalClockMs = (before as { rows: Array<Record<string, unknown>> }).rows[0].clock_ms;
 
-    const res = await putRow('account', { rowid: 1, values: { cash: 424_242 } });
+    const res = await putRow('sim_state', { rowid: 1, values: { clock_ms: 424_242 } });
     expect(res.status).toBe(200);
     expect(await res.json()).toEqual({ ok: true });
 
     // Re-fetch through the same route — the persisted value is back.
-    const body = await (await getRows('account')).json();
-    expect((body as { rows: Array<Record<string, unknown>> }).rows[0].cash).toBe(424_242);
+    const body = await (await getRows('sim_state')).json();
+    expect((body as { rows: Array<Record<string, unknown>> }).rows[0].clock_ms).toBe(424_242);
 
-    // Restore the original cash so later tests see a sane world.
-    const restore = await putRow('account', { rowid: 1, values: { cash: originalCash } });
+    // Restore the original clock so later tests see a sane world.
+    const restore = await putRow('sim_state', { rowid: 1, values: { clock_ms: originalClockMs } });
     expect(restore.status).toBe(200);
   });
 
   it('PUT rejects unknown columns and empty values with 400', async () => {
-    const badCol = await putRow('account', { rowid: 1, values: { no_such_column: 1 } });
+    const badCol = await putRow('sim_state', { rowid: 1, values: { no_such_column: 1 } });
     expect(badCol.status).toBe(400);
     expect(((await badCol.json()) as { error: string }).error).toMatch(/unknown column/i);
 
-    const empty = await putRow('account', { rowid: 1, values: {} });
+    const empty = await putRow('sim_state', { rowid: 1, values: {} });
     expect(empty.status).toBe(400);
 
-    const noRowid = await putRow('account', { values: { cash: 1 } });
+    const noRowid = await putRow('sim_state', { values: { clock_ms: 1 } });
     expect(noRowid.status).toBe(400);
   });
 
diff --git a/app/api/admin/tables/[name]/rows/route.ts b/app/api/admin/tables/[name]/rows/route.ts
index 90ff439..9be6323 100644
--- a/app/api/admin/tables/[name]/rows/route.ts
+++ b/app/api/admin/tables/[name]/rows/route.ts
@@ -74,8 +74,8 @@ function sqlError(err: unknown): Response {
 }
 
 // GET /api/admin/tables/{name}/rows?limit=500 — column headers + up to `limit` rows (default
-// 500, cap 1000). rowid is exposed as __rowid so the PK-less tables (account, sim_state) are
-// editable like any other. Unknown table → 404; bad limit → 400.
+// 500, cap 1000). rowid is exposed as __rowid so the PK-less tables (sim_state) are editable
+// like any other. Unknown table → 404; bad limit → 400.
 export async function GET(req: Request, ctx: { params: Promise<{ name: string }> }) {
   const guard = await requireAdmin(req);
   if (!guard.ok) return guard.response;
diff --git a/app/api/admin/tables/route.test.ts b/app/api/admin/tables/route.test.ts
index ddc4a2b..c4738fc 100644
--- a/app/api/admin/tables/route.test.ts
+++ b/app/api/admin/tables/route.test.ts
@@ -70,7 +70,7 @@ describe('GET /api/admin/tables', () => {
     expect(res.status).toBe(200);
     const names = ((await res.json()) as Array<{ name: string }>).map((t) => t.name);
 
-    for (const expected of ['account', 'packages', 'planes', 'sessions', 'sim_state', 'users']) {
+    for (const expected of ['packages', 'players', 'planes', 'sessions', 'sim_state', 'users']) {
       expect(names, `missing ${expected}`).toContain(expected);
     }
     expect(names.some((n) => n.startsWith('sqlite_'))).toBe(false);
diff --git a/app/api/market/buy-plane/route.test.ts b/app/api/market/buy-plane/route.test.ts
index 433dbf3..de9eeee 100644
--- a/app/api/market/buy-plane/route.test.ts
+++ b/app/api/market/buy-plane/route.test.ts
@@ -2,7 +2,7 @@ import fs from 'node:fs/promises';
 import os from 'node:os';
 import path from 'node:path';
 import { afterAll, beforeAll, describe, expect, it } from 'vitest';
-import * as schema from '@/lib/db/schema';
+import { getLocalPlayer, updateLocalPlayerEconomy } from '@/lib/db/localPlayer';
 import { getGameDb } from '@/lib/db/client';
 import { PLANE_TYPES } from '@/lib/game/catalog';
 import { POST } from './route';
@@ -38,14 +38,13 @@ describe('POST /api/market/buy-plane', () => {
     expect(((await res.json()) as { error: string }).error).toMatch(/insufficient funds/i);
 
     // Cash untouched by the failed attempt.
-    const account = (await (await getGameDb()).db.select().from(schema.account))[0];
-    expect(account.cash).toBe(20_000);
+    expect((await getLocalPlayer(await getGameDb())).cash).toBe(20_000);
   });
 
   it('deducts the full price and adds a full-tank plane at EDDF to the snapshot', async () => {
-    const { db } = await getGameDb();
-    // Single-row account table — top up cash so the purchase can succeed.
-    await db.update(schema.account).set({ cash: 500_000 });
+    const inst = await getGameDb();
+    // Local player row — top up cash so the purchase can succeed.
+    await updateLocalPlayerEconomy(inst, { cash: 500_000 });
 
     const res = await post({ model: 'atr72' });
     expect(res.status).toBe(200);
diff --git a/app/api/market/sell-plane/route.test.ts b/app/api/market/sell-plane/route.test.ts
index 70d161d..e7ece28 100644
--- a/app/api/market/sell-plane/route.test.ts
+++ b/app/api/market/sell-plane/route.test.ts
@@ -4,6 +4,7 @@ import path from 'node:path';
 import { eq } from 'drizzle-orm';
 import { afterAll, beforeAll, describe, expect, it } from 'vitest';
 import * as schema from '@/lib/db/schema';
+import { getLocalPlayer } from '@/lib/db/localPlayer';
 import { getGameDb } from '@/lib/db/client';
 import { PLANE_TYPES, SELL_FRACTION } from '@/lib/game/catalog';
 import { POST } from './route';
@@ -59,10 +60,10 @@ describe('POST /api/market/sell-plane', () => {
   });
 
   it('sells a grounded second plane for SELL_FRACTION of the catalog price', async () => {
-    const { db } = await getGameDb();
+    const inst = await getGameDb();
     // The previous test left 'plane-extra' in the DB (now flying) — ground it.
-    await db.update(schema.planes).set({ status: 'available' }).where(eq(schema.planes.id, 'plane-extra'));
-    const cashBefore = (await db.select().from(schema.account))[0].cash;
+    await inst.db.update(schema.planes).set({ status: 'available' }).where(eq(schema.planes.id, 'plane-extra'));
+    const cashBefore = (await getLocalPlayer(inst)).cash;
 
     const res = await post({ planeId: 'plane-extra' });
     expect(res.status).toBe(200);
diff --git a/app/api/packages/[id]/abandon/route.test.ts b/app/api/packages/[id]/abandon/route.test.ts
index eaa5b06..3b1c155 100644
--- a/app/api/packages/[id]/abandon/route.test.ts
+++ b/app/api/packages/[id]/abandon/route.test.ts
@@ -4,6 +4,7 @@ import path from 'node:path';
 import { eq } from 'drizzle-orm';
 import { afterAll, beforeAll, describe, expect, it } from 'vitest';
 import * as schema from '@/lib/db/schema';
+import { getLocalPlayer } from '@/lib/db/localPlayer';
 import { getGameDb } from '@/lib/db/client';
 import { POST } from './route';
 
@@ -84,8 +85,9 @@ describe('POST /api/packages/:id/abandon', () => {
 
   it('abandons a loaded package for the exact formula penalty and returns the full snapshot', async () => {
     const times = await insertLoadedPackage('p-ab', 1_000); // created "now" → near the 15% floor
-    const { db } = await getGameDb();
-    const cashBefore = (await db.select().from(schema.account))[0].cash;
+    const inst = await getGameDb();
+    const { db } = inst;
+    const cashBefore = (await getLocalPlayer(inst)).cash;
 
     const res = await post('p-ab');
     expect(res.status).toBe(200);
diff --git a/app/api/test/add-cash/route.ts b/app/api/test/add-cash/route.ts
index 32e15ff..167a171 100644
--- a/app/api/test/add-cash/route.ts
+++ b/app/api/test/add-cash/route.ts
@@ -1,5 +1,5 @@
 import { getGameDb, persist } from '@/lib/db/client';
-import * as schema from '@/lib/db/schema';
+import { getLocalPlayer, updateLocalPlayerEconomy } from '@/lib/db/localPlayer';
 import { getStateSnapshot } from '@/lib/game/state';
 import { tickNow } from '@/lib/sim/engine';
 
@@ -46,9 +46,8 @@ export async function POST(req: Request) {
   try {
     const inst = await getGameDb();
     await tickNow(); // clock is current before the snapshot we return (same as siblings)
-    const account = (await inst.db.select().from(schema.account))[0];
-    if (!account) throw new Error('account row missing');
-    await inst.db.update(schema.account).set({ cash: Math.round((account.cash + amount) * 100) / 100 });
+    const player = await getLocalPlayer(inst);
+    await updateLocalPlayerEconomy(inst, { cash: Math.round((player.cash + amount) * 100) / 100 });
     await persist(inst);
     return Response.json(await getStateSnapshot());
   } catch (err) {
diff --git a/app/api/test/create-package/route.ts b/app/api/test/create-package/route.ts
index 8891dc2..6640ff6 100644
--- a/app/api/test/create-package/route.ts
+++ b/app/api/test/create-package/route.ts
@@ -1,5 +1,6 @@
 import { randomInt, randomUUID } from 'node:crypto';
 import { getGameDb, persist } from '@/lib/db/client';
+import { getLocalPlayer } from '@/lib/db/localPlayer';
 import * as schema from '@/lib/db/schema';
 import { loadAirportsGeoJson } from '@/lib/airports';
 import { generatePackage, mulberry32 } from '@/lib/game/seed';
@@ -84,8 +85,7 @@ export async function POST(req: Request) {
     const rng = mulberry32(randomInt(0, 2 ** 31));
     // v0.38.0 (ISS-072): hook-created packages carry the LIVE account reputation — same job quality
     // as engine spawns; never force a fixed value here.
-    const account = (await inst.db.select().from(schema.account))[0];
-    if (!account) throw new Error('account row missing');
+    const player = await getLocalPlayer(inst);
     const created = generatePackage({
       id: randomUUID(),
       airports,
@@ -97,7 +97,7 @@ export async function POST(req: Request) {
       weightKg: input.weightKg as number | undefined,
       // Omitted → force null (no roll) so existing e2e reward/rep assertions stay deterministic.
       special: input.special === undefined ? null : (input.special as string | null),
-      reputation: account.reputation,
+      reputation: player.reputation,
     });
     await inst.db.insert(schema.packages).values(created);
     await persist(inst);
diff --git a/app/api/test/set-cash/route.ts b/app/api/test/set-cash/route.ts
index 584fa1b..14ff445 100644
--- a/app/api/test/set-cash/route.ts
+++ b/app/api/test/set-cash/route.ts
@@ -1,5 +1,5 @@
 import { getGameDb, persist } from '@/lib/db/client';
-import * as schema from '@/lib/db/schema';
+import { getLocalPlayer, updateLocalPlayerEconomy } from '@/lib/db/localPlayer';
 import { getStateSnapshot } from '@/lib/game/state';
 import { tickNow } from '@/lib/sim/engine';
 
@@ -42,9 +42,8 @@ export async function POST(req: Request) {
   try {
     const inst = await getGameDb();
     await tickNow(); // clock is current before the snapshot we return (same as siblings)
-    const account = (await inst.db.select().from(schema.account))[0];
-    if (!account) throw new Error('account row missing');
-    await inst.db.update(schema.account).set({ cash: Math.round(amount * 100) / 100 });
+    await getLocalPlayer(inst); // existence check — the snapshot below would fail anyway if it's gone
+    await updateLocalPlayerEconomy(inst, { cash: Math.round(amount * 100) / 100 });
     await persist(inst);
     return Response.json(await getStateSnapshot());
   } catch (err) {
diff --git a/lib/db/client.test.ts b/lib/db/client.test.ts
index c0882cf..cb843ac 100644
--- a/lib/db/client.test.ts
+++ b/lib/db/client.test.ts
@@ -4,10 +4,14 @@ import path from 'node:path';
 import initSqlJs from 'sql.js';
 import { afterAll, beforeAll, describe, expect, it } from 'vitest';
 import { WORLD_TIME_SCALE } from '@/lib/worldClock';
-import { STARTING_CLOCK_MS } from '@/lib/game/seed';
+import { STARTING_CASH, STARTING_CLOCK_MS, STARTING_REPUTATION } from '@/lib/game/seed';
 import { openGameDb, persist } from './client';
+import { getLocalPlayer, updateLocalPlayerEconomy } from './localPlayer';
 import * as schema from './schema';
 
+// v1.0.0 (ISS-105): the local player row every fresh/migrated world must carry.
+const LOCAL_PLAYER_ROW = { id: 'local', provider: 'local', username: 'kamilkrzywda' };
+
 // The v0.6.0 DDL — used to build a "legacy" DB file for the migration test.
 const LEGACY_DDL = `
 CREATE TABLE planes (
@@ -110,8 +114,13 @@ describe('openGameDb', () => {
     expect(packages.length).toBeGreaterThanOrEqual(8);
     expect(packages.every((p) => p.status === 'open')).toBe(true);
 
-    const account = (await inst.db.select().from(schema.account))[0];
-    expect(account?.cash).toBeGreaterThan(0);
+    // v1.0.0 (ISS-105): the singleton economy is now a seeded local player row…
+    expect(await getLocalPlayer(inst)).toEqual({ ...LOCAL_PLAYER_ROW, cash: STARTING_CASH, reputation: STARTING_REPUTATION });
+    // …and fresh DBs never create an `account` table.
+    const tables = new Set(
+      inst.raw.exec("SELECT name FROM sqlite_master WHERE type='table'")[0].values.map((r) => String(r[0])),
+    );
+    expect(tables.has('account')).toBe(false);
     const sim = (await inst.db.select().from(schema.simState))[0];
     // ISS-117: fresh worlds start at the year-2000 game clock with the fixed world rate.
     expect(sim?.clockMs).toBe(STARTING_CLOCK_MS);
@@ -126,25 +135,25 @@ describe('openGameDb', () => {
     const file = path.join(dir, 'reopen.db');
     const first = await openGameDb(file);
     const packages1 = (await first.db.select().from(schema.packages)).map((p) => p.id).sort();
-    const account1 = (await first.db.select().from(schema.account))[0];
+    const player1 = await getLocalPlayer(first);
 
     // Simulate a process restart: brand-new instance over the same file.
     const second = await openGameDb(file);
     const packages2 = (await second.db.select().from(schema.packages)).map((p) => p.id).sort();
     expect(packages2).toEqual(packages1);
-    expect((await second.db.select().from(schema.account))[0]).toEqual(account1);
+    expect(await getLocalPlayer(second)).toEqual(player1);
   });
 
   it('persist() durably saves writes made after open', async () => {
     const file = path.join(dir, 'write.db');
     const inst = await openGameDb(file);
 
-    await inst.db.update(schema.account).set({ cash: 12345 });
+    await updateLocalPlayerEconomy(inst, { cash: 12345 });
     await persist(inst);
 
     // A fresh instance over the same file sees the update.
     const reloaded = await openGameDb(file);
-    expect((await reloaded.db.select().from(schema.account))[0]?.cash).toBe(12345);
+    expect((await getLocalPlayer(reloaded)).cash).toBe(12345);
   });
 
   it('migrates a pre-v0.7.0 database: adds new columns and fixes last_real_tick_ms', async () => {
@@ -161,8 +170,8 @@ describe('openGameDb', () => {
 
     const inst = await openGameDb(file);
 
-    // Not re-seeded (account row exists)…
-    expect((await inst.db.select().from(schema.account))[0]?.cash).toBe(20000);
+    // Not re-seeded (the legacy account row was migrated into the local player)…
+    expect((await getLocalPlayer(inst)).cash).toBe(20000);
     // …but the new columns exist and are usable…
     const plane = (await inst.db.select().from(schema.planes))[0];
     expect(plane?.departureSimTime ?? null).toBeNull();
@@ -194,8 +203,8 @@ describe('openGameDb', () => {
 
     const inst = await openGameDb(file);
 
-    // Wallet + sim clock survive byte-identical…
-    expect((await inst.db.select().from(schema.account))[0]).toEqual({ cash: 54020.34, reputation: 62.57 });
+    // Wallet (migrated into the local player) + sim clock survive byte-identical…
+    expect(await getLocalPlayer(inst)).toEqual({ ...LOCAL_PLAYER_ROW, cash: 54020.34, reputation: 62.57 });
     expect((await inst.db.select().from(schema.simState))[0]?.clockMs).toBe(1_789_706_016_605);
 
     // …the in-flight plane is reset to GROUNDED at its locationIcao (it "lands" back where it took off)…
@@ -257,8 +266,8 @@ describe('openGameDb', () => {
     const rows = inst.raw.exec("SELECT id, username, admin FROM users WHERE username = 'kamilkrzywda'");
     expect(rows[0].values).toHaveLength(1);
     expect(rows[0].values[0]).toEqual(['admin-kamilkrzywda', 'kamilkrzywda', 1]);
-    // The game world is untouched by the seed.
-    expect((await inst.db.select().from(schema.account))[0]?.cash).toBe(20000);
+    // The game world is untouched by the seed (its account row migrated to the local player).
+    expect((await getLocalPlayer(inst)).cash).toBe(20000);
   });
 
   it('rotates a v0.71.0 legacy admin digest on open (idempotent)', async () => {
@@ -315,4 +324,30 @@ describe('openGameDb', () => {
     expect(plane.status).toBe('flying');
     expect(plane.destIcao).toBe('LEMD');
   });
+
+  it('migrates a pre-v1.0.0 database: copies the singleton account into the local player and drops it', async () => {
+    // Minimal legacy file — just an `account` table; open() creates everything else from DDL.
+    const SQL = await initSqlJs();
+    const raw = new SQL.Database();
+    raw.exec(`CREATE TABLE account (cash REAL NOT NULL, reputation REAL NOT NULL)`);
+    raw.exec(`INSERT INTO account VALUES (77123.45, 88.5)`);
+    const file = path.join(dir, 'pre-v1.db');
+    await fs.writeFile(file, Buffer.from(raw.export()));
+
+    const inst = await openGameDb(file);
+    expect(await getLocalPlayer(inst)).toEqual({ ...LOCAL_PLAYER_ROW, cash: 77123.45, reputation: 88.5 });
+    let tables = new Set(
+      inst.raw.exec("SELECT name FROM sqlite_master WHERE type='table'")[0].values.map((r) => String(r[0])),
+    );
+    expect(tables.has('account')).toBe(false);
+
+    // Second open is a no-op (idempotent): the row survives unchanged, still exactly one player.
+    const second = await openGameDb(file);
+    expect(await getLocalPlayer(second)).toEqual({ ...LOCAL_PLAYER_ROW, cash: 77123.45, reputation: 88.5 });
+    tables = new Set(
+      second.raw.exec("SELECT name FROM sqlite_master WHERE type='table'")[0].values.map((r) => String(r[0])),
+    );
+    expect(tables.has('account')).toBe(false);
+    expect(Number(second.raw.exec('SELECT COUNT(*) FROM players')[0].values[0][0])).toBe(1);
+  });
 });
diff --git a/lib/db/client.ts b/lib/db/client.ts
index 6bab57c..92fd944 100644
--- a/lib/db/client.ts
+++ b/lib/db/client.ts
@@ -5,6 +5,7 @@ import { drizzle, type SQLJsDatabase } from 'drizzle-orm/sql-js';
 import initSqlJs, { type Database as RawSqlJsDatabase } from 'sql.js';
 import { loadAirportsGeoJson } from '@/lib/airports';
 import { buildSeed, mulberry32 } from '@/lib/game/seed';
+import { LOCAL_PLAYER } from './localPlayer';
 import * as schema from './schema';
 
 // SQLite via sql.js (WASM) — no native compilation, so it builds and runs in the
@@ -51,7 +52,12 @@ CREATE TABLE IF NOT EXISTS packages (
   created_real_ms INTEGER NOT NULL DEFAULT 0,
   slot_free_at_real_ms INTEGER
 );
-CREATE TABLE IF NOT EXISTS account (
+-- v1.0.0 (ISS-105): per-player economy — replaces the singleton account table; the local
+-- single-player row is seeded by seedEmpty() or migrated from account in open().
+CREATE TABLE IF NOT EXISTS players (
+  id TEXT PRIMARY KEY NOT NULL,
+  provider TEXT NOT NULL,
+  username TEXT NOT NULL,
   cash REAL NOT NULL,
   reputation REAL NOT NULL
 );
@@ -182,6 +188,17 @@ function migrateContractsToPackages(raw: RawSqlJsDatabase): void {
   raw.exec('DROP TABLE contracts');
 }
 
+// v1.0.0 (ISS-105) one-time migration: singleton `account` row → seeded local player, then drop
+// the table. Detected by sqlite_master like migrateContractsToPackages — fresh DBs never have
+// `account`, so this runs exactly once per legacy file and is a no-op on later opens.
+function migrateAccountToPlayers(raw: RawSqlJsDatabase): void {
+  raw.run(
+    'INSERT INTO players (id, provider, username, cash, reputation) SELECT ?, ?, ?, cash, reputation FROM account',
+    [LOCAL_PLAYER.id, LOCAL_PLAYER.provider, LOCAL_PLAYER.username],
+  );
+  raw.exec('DROP TABLE account');
+}
+
 // FLIGHT_DB_PATH override exists so unit tests can point at a temp file instead
 // of the real ./db/flight.db.
 export function defaultDbPath(): string {
@@ -209,12 +226,18 @@ async function open(file: string): Promise<GameDb> {
   if (tables.has('contracts')) {
     migrateContractsToPackages(raw);
   }
+  // v1.0.0 (ISS-105): legacy files still carry the singleton `account` table — copy its row into a
+  // seeded local player and drop it. The players-empty guard makes this idempotent even if a file
+  // somehow had both tables; fresh DBs never have `account`, so this runs exactly once per file.
+  const playerCount = Number(raw.exec('SELECT COUNT(*) FROM players')[0].values[0]?.[0] ?? 0);
+  if (tables.has('account') && playerCount === 0) {
+    migrateAccountToPlayers(raw);
+  }
 
   const instance: GameDb = { db: drizzle(raw, { schema }), raw, file };
 
-  // First-run seed: only when the DB is empty (no account row yet).
-  const res = raw.exec('SELECT COUNT(*) FROM account');
-  if (Number(res[0]?.values?.[0]?.[0] ?? 0) === 0) {
+  // First-run seed: only when the DB is empty (no player row yet).
+  if (playerCount === 0 && !tables.has('account')) {
     console.warn(`flight db: no existing world at ${file} — seeding a fresh one`);
     await seedEmpty(instance);
   }
@@ -246,7 +269,8 @@ async function seedEmpty(instance: GameDb): Promise<void> {
   const { queue, ...planeCols } = data.plane;
   await instance.db.insert(schema.planes).values({ ...planeCols, queue: JSON.stringify(queue ?? []) });
   await instance.db.insert(schema.packages).values(data.packages);
-  await instance.db.insert(schema.account).values(data.account);
+  // v1.0.0 (ISS-105): the singleton economy now lives in a seeded local player row.
+  await instance.db.insert(schema.players).values({ ...LOCAL_PLAYER, cash: data.account.cash, reputation: data.account.reputation });
   await instance.db.insert(schema.simState).values(data.simState);
   await persist(instance);
 }
diff --git a/lib/db/localPlayer.ts b/lib/db/localPlayer.ts
new file mode 100644
index 0000000..6f68743
--- /dev/null
+++ b/lib/db/localPlayer.ts
@@ -0,0 +1,23 @@
+import { eq } from 'drizzle-orm';
+import type { GameDb } from './client';
+import * as schema from './schema';
+
+// v1.0.0 (ISS-105): TEMPORARY single-player economy access — resolves the local player row so all
+// pre-multiplayer code keeps working while `account` is replaced by `players`. A later step
+// parameterizes these by playerId for real multiplayer; until then every read/write of the
+// singleton economy goes through this file and nowhere else.
+
+export const LOCAL_PLAYER = { id: 'local', provider: 'local', username: 'kamilkrzywda' } as const;
+
+export async function getLocalPlayer(inst: GameDb): Promise<schema.PlayerRow> {
+  const [row] = await inst.db.select().from(schema.players).where(eq(schema.players.id, LOCAL_PLAYER.id));
+  if (!row) throw new Error('local player row missing');
+  return row;
+}
+
+export async function updateLocalPlayerEconomy(
+  inst: GameDb,
+  patch: { cash?: number; reputation?: number },
+): Promise<void> {
+  await inst.db.update(schema.players).set(patch).where(eq(schema.players.id, LOCAL_PLAYER.id));
+}
diff --git a/lib/db/schema.ts b/lib/db/schema.ts
index 6bc03e0..8221f03 100644
--- a/lib/db/schema.ts
+++ b/lib/db/schema.ts
@@ -66,7 +66,13 @@ export const packages = sqliteTable('packages', {
   slotFreeAtRealMs: integer('slot_free_at_real_ms'),
 });
 
-export const account = sqliteTable('account', {
+// v1.0.0 (ISS-105): per-player economy — replaces the singleton `account` table. The local
+// single-player row (id 'local') is seeded on first run / migrated from `account` by open();
+// all pre-multiplayer code reaches it via lib/db/localPlayer.ts only.
+export const players = sqliteTable('players', {
+  id: text('id').primaryKey().notNull(),
+  provider: text('provider').notNull(),
+  username: text('username').notNull(),
   cash: real('cash').notNull(),
   reputation: real('reputation').notNull(),
 });
@@ -104,7 +110,7 @@ export const sessions = sqliteTable('sessions', {
 
 export type PlaneRow = typeof planes.$inferSelect;
 export type PackageRow = typeof packages.$inferSelect;
-export type AccountRow = typeof account.$inferSelect;
+export type PlayerRow = typeof players.$inferSelect;
 export type SimStateRow = typeof simState.$inferSelect;
 export type UserRow = typeof users.$inferSelect;
 export type SessionRow = typeof sessions.$inferSelect;
diff --git a/lib/game/actions.test.ts b/lib/game/actions.test.ts
index 31fb2c0..64ca2ea 100644
--- a/lib/game/actions.test.ts
+++ b/lib/game/actions.test.ts
@@ -5,6 +5,7 @@ import { eq } from 'drizzle-orm';
 import { afterAll, beforeAll, describe, expect, it, vi } from 'vitest';
 import { openGameDb, type GameDb } from '@/lib/db/client';
 import * as schema from '@/lib/db/schema';
+import { getLocalPlayer, updateLocalPlayerEconomy } from '@/lib/db/localPlayer';
 import { loadAirportsGeoJson } from '@/lib/airports';
 import { haversineKm, initialBearingDeg } from '@/lib/geo';
 import { weatherFor } from '@/lib/weather';
@@ -204,14 +205,14 @@ describe('flyPlane', () => {
     const inst = await freshDb('fly-broken.db'); // EDDF → LEMD
     const fuelBefore = PLANE_TYPES.atr72.maxFuel; // seeded full tank
     await inst.db.update(schema.planes).set({ health: 0 }).where(eq(schema.planes.id, 'plane-starter'));
-    const cashBefore = (await inst.db.select().from(schema.account))[0].cash;
+    const cashBefore = (await getLocalPlayer(inst)).cash;
 
     await expectActionError(flyPlane(inst, 'plane-starter', 'LEMD'), 409, /broken \(health 0\)/);
 
     const plane = (await inst.db.select().from(schema.planes))[0];
     expect(plane.status).toBe('available'); // still grounded…
     expect(plane.fuel).toBe(fuelBefore); // …no auto-refuel ran — the tank is untouched…
-    expect((await inst.db.select().from(schema.account))[0].cash).toBe(cashBefore); // …and no cash left the account
+    expect((await getLocalPlayer(inst)).cash).toBe(cashBefore); // …and no cash left the account
   });
 
   it('still flies a worn-but-not-broken plane (health > 0) with plain burn', async () => {
@@ -249,8 +250,8 @@ describe('flyPlane', () => {
     const startFuel = Math.round(required / 2); // partial tank below the requirement
     await inst.db.update(schema.planes).set({ fuel: startFuel }).where(eq(schema.planes.id, 'plane-starter'));
     // Elevated rep → non-zero discount rate; expectations computed with the SAME helpers flyPlane uses.
-    await inst.db.update(schema.account).set({ reputation: 30 });
-    const cashBefore = (await inst.db.select().from(schema.account))[0].cash;
+    await updateLocalPlayerEconomy(inst, { reputation: 30 });
+    const cashBefore = (await getLocalPlayer(inst)).cash;
 
     await flyPlane(inst, 'plane-starter', 'LEMD');
 
@@ -263,22 +264,22 @@ describe('flyPlane', () => {
     const plane = (await inst.db.select().from(schema.planes))[0];
     expect(plane.status).toBe('flying');
     expect(plane.fuel).toBeCloseTo(target, 6); // topped up to exactly the 150% target…
-    const account = (await inst.db.select().from(schema.account))[0];
-    expect(account.cash).toBeCloseTo(cashBefore - expectedCost, 6); // …at exactly the rep-discounted cost
+    const player = await getLocalPlayer(inst);
+    expect(player.cash).toBeCloseTo(cashBefore - expectedCost, 6); // …at exactly the rep-discounted cost
   });
 
   it('is a free no-op when the tank already covers the 150% target (cash unchanged)', async () => {
     const inst = await freshDb('fly-autorefuel-full.db'); // seeded starter is full at EDDF
     const required = await adjustedRequiredForHubToLemd();
     expect(required * 1.5).toBeLessThan(PLANE_TYPES.atr72.maxFuel); // sanity: the target stays below a full tank
-    const cashBefore = (await inst.db.select().from(schema.account))[0].cash;
+    const cashBefore = (await getLocalPlayer(inst)).cash;
 
     await flyPlane(inst, 'plane-starter', 'LEMD');
 
     const plane = (await inst.db.select().from(schema.planes))[0];
     expect(plane.status).toBe('flying');
     expect(plane.fuel).toBe(PLANE_TYPES.atr72.maxFuel); // untouched…
-    expect((await inst.db.select().from(schema.account))[0].cash).toBe(cashBefore); // …and free
+    expect((await getLocalPlayer(inst)).cash).toBe(cashBefore); // …and free
   });
 
   it('rejects dispatch with 409 insufficient funds when cash cannot cover the top-up — nothing mutated', async () => {
@@ -286,7 +287,7 @@ describe('flyPlane', () => {
     const required = await adjustedRequiredForHubToLemd();
     const startFuel = Math.round(required / 2);
     await inst.db.update(schema.planes).set({ fuel: startFuel }).where(eq(schema.planes.id, 'plane-starter'));
-    await inst.db.update(schema.account).set({ cash: 0 });
+    await updateLocalPlayerEconomy(inst, { cash: 0 });
 
     await expectActionError(flyPlane(inst, 'plane-starter', 'LEMD'), 409, /insufficient funds/i);
 
@@ -451,7 +452,7 @@ describe('abandonPackage', () => {
 
   it('charges exactly 15% of the payout right after creation (clock at createdSimTime)', async () => {
     const inst = await setupLoaded('ab-start.db');
-    const cashBefore = (await inst.db.select().from(schema.account))[0].cash;
+    const cashBefore = (await getLocalPlayer(inst)).cash;
 
     const { penalty } = await abandonPackage(inst, 'p-ab');
 
@@ -459,8 +460,8 @@ describe('abandonPackage', () => {
     const row = (await inst.db.select().from(schema.packages).where(eq(schema.packages.id, 'p-ab')))[0];
     expect(row.status).toBe('abandoned');
     expect(row.planeId).toBeNull(); // slot freed
-    const account = (await inst.db.select().from(schema.account))[0];
-    expect(account.cash).toBeCloseTo(cashBefore - penalty, 6);
+    const player = await getLocalPlayer(inst);
+    expect(player.cash).toBeCloseTo(cashBefore - penalty, 6);
   });
 
   it('scales to exactly 37.5% at the midpoint of the window', async () => {
@@ -487,24 +488,24 @@ describe('abandonPackage', () => {
 
   it('is free for an already-expired package', async () => {
     const inst = await setupLoaded('ab-expired.db', 'expired');
-    const cashBefore = (await inst.db.select().from(schema.account))[0].cash;
+    const cashBefore = (await getLocalPlayer(inst)).cash;
 
     const { penalty } = await abandonPackage(inst, 'p-ab');
 
     expect(penalty).toBe(0);
-    expect((await inst.db.select().from(schema.account))[0].cash).toBe(cashBefore);
+    expect((await getLocalPlayer(inst)).cash).toBe(cashBefore);
     const row = (await inst.db.select().from(schema.packages).where(eq(schema.packages.id, 'p-ab')))[0];
     expect(row.status).toBe('abandoned');
   });
 
   it('floors cash at €0 — no debt', async () => {
     const inst = await setupLoaded('ab-floor.db');
-    await inst.db.update(schema.account).set({ cash: 10 }); // penalty is 150 > 10
+    await updateLocalPlayerEconomy(inst, { cash: 10 }); // penalty is 150 > 10
 
     const { penalty } = await abandonPackage(inst, 'p-ab');
 
     expect(penalty).toBe(150);
-    expect((await inst.db.select().from(schema.account))[0].cash).toBe(0);
+    expect((await getLocalPlayer(inst)).cash).toBe(0);
   });
 
   it('rejects abandoning while the plane is in flight with 409', async () => {
@@ -532,13 +533,13 @@ describe('abandonPackage', () => {
 describe('buyPlane', () => {
   it('deducts the full price and delivers a full-tank plane at the home base', async () => {
     const inst = await freshDb('buy-ok.db');
-    await inst.db.update(schema.account).set({ cash: 500_000 });
+    await updateLocalPlayerEconomy(inst, { cash: 500_000 });
 
     const before = (await inst.db.select().from(schema.planes)).length;
     const { planeId } = await buyPlane(inst, 'atr72');
 
-    const account = (await inst.db.select().from(schema.account))[0];
-    expect(account.cash).toBe(500_000 - PLANE_TYPES.atr72.price);
+    const player = await getLocalPlayer(inst);
+    expect(player.cash).toBe(500_000 - PLANE_TYPES.atr72.price);
 
     const planes = await inst.db.select().from(schema.planes);
     expect(planes.length).toBe(before + 1);
@@ -567,7 +568,7 @@ describe('buyPlane', () => {
   it('deducts the reputation-scaled cost at elevated rep (v0.38.0)', async () => {
     const inst = await freshDb('buy-rep.db');
     // rep 30 → rate exactly 0.2 → ATR costs 160k, not 200k.
-    await inst.db.update(schema.account).set({ cash: 500_000, reputation: 30 });
+    await updateLocalPlayerEconomy(inst, { cash: 500_000, reputation: 30 });
 
     const before = (await inst.db.select().from(schema.planes)).length;
     await buyPlane(inst, 'atr72');
@@ -576,23 +577,23 @@ describe('buyPlane', () => {
     expect(rate).toBeCloseTo(0.2, 12); // sanity pin on the formula input
     const expectedCost = Math.round(PLANE_TYPES.atr72.price * (1 - rate) * 100) / 100;
     expect(expectedCost).toBe(160_000); // 200k × 0.8 — exact value pin
-    const account = (await inst.db.select().from(schema.account))[0];
-    expect(account.cash).toBeCloseTo(500_000 - expectedCost, 6);
+    const player = await getLocalPlayer(inst);
+    expect(player.cash).toBeCloseTo(500_000 - expectedCost, 6);
     expect((await inst.db.select().from(schema.planes)).length).toBe(before + 1);
   });
 
   it('buys with cash between the discounted and full price; rejects below the discounted cost (v0.38.0)', async () => {
     const inst = await freshDb('buy-boundary.db');
     // rep 30 → discounted cost 160k: 170k is enough now, though it was not before v0.38.0.
-    await inst.db.update(schema.account).set({ cash: 170_000, reputation: 30 });
+    await updateLocalPlayerEconomy(inst, { cash: 170_000, reputation: 30 });
 
     const { planeId } = await buyPlane(inst, 'atr72');
     expect(planeId).toBeTruthy(); // the old full-price check would have rejected this
-    const account = (await inst.db.select().from(schema.account))[0];
-    expect(account.cash).toBeCloseTo(170_000 - 160_000, 6);
+    const player = await getLocalPlayer(inst);
+    expect(player.cash).toBeCloseTo(170_000 - 160_000, 6);
 
     const inst2 = await freshDb('buy-boundary-poor.db'); // just below the discounted cost
-    await inst2.db.update(schema.account).set({ cash: 159_999.99, reputation: 30 });
+    await updateLocalPlayerEconomy(inst2, { cash: 159_999.99, reputation: 30 });
     await expectActionError(buyPlane(inst2, 'atr72'), 409, /insufficient funds/i);
   });
 });
@@ -605,13 +606,13 @@ describe('sellPlane', () => {
       id: 'plane-extra', model: 'atr72', status: 'available', fuel: 100, maxFuel: PLANE_TYPES.atr72.maxFuel,
       locationIcao: HUB_ICAO, destIcao: null, lat: 50, lon: 8, departureSimTime: null,
     });
-    const cashBefore = (await inst.db.select().from(schema.account))[0].cash;
+    const cashBefore = (await getLocalPlayer(inst)).cash;
 
     const { payout } = await sellPlane(inst, 'plane-extra');
 
     expect(payout).toBe(Math.round(PLANE_TYPES.atr72.price * SELL_FRACTION * 100) / 100);
-    const account = (await inst.db.select().from(schema.account))[0];
-    expect(account.cash).toBeCloseTo(cashBefore + payout, 6);
+    const player = await getLocalPlayer(inst);
+    expect(player.cash).toBeCloseTo(cashBefore + payout, 6);
     const ids = (await inst.db.select().from(schema.planes)).map((p) => p.id);
     expect(ids).not.toContain('plane-extra'); // row deleted
     expect(ids).toContain('plane-starter');
@@ -668,7 +669,7 @@ describe('repairPlane (v0.39.0, ISS-069; gradual since v0.45.0, ISS-089)', () =>
   it('charges exactly REPAIR_COST and grounds the plane for REPAIR_DURATION_MS without touching health yet', async () => {
     const inst = await freshDb('repair-ok.db');
     await inst.db.update(schema.planes).set({ health: 42 }).where(eq(schema.planes.id, 'plane-starter'));
-    const cashBefore = (await inst.db.select().from(schema.account))[0].cash;
+    const cashBefore = (await getLocalPlayer(inst)).cash;
 
     const { cost } = await repairPlane(inst, 'plane-starter');
 
@@ -677,13 +678,13 @@ describe('repairPlane (v0.39.0, ISS-069; gradual since v0.45.0, ISS-089)', () =>
     expect(plane.status).toBe('repairing');
     expect(plane.health).toBe(42); // NOT restored yet — the engine's finishRepairs pass heals it gradually…
     expect(plane.repairUntilSimTime).toBe(STARTING_CLOCK_MS + REPAIR_DURATION_MS); // …with the gate set from the seeded game clock (ISS-117; no tick in direct calls)
-    const account = (await inst.db.select().from(schema.account))[0];
-    expect(account.cash).toBeCloseTo(cashBefore - REPAIR_COST, 6);
+    const player = await getLocalPlayer(inst);
+    expect(player.cash).toBeCloseTo(cashBefore - REPAIR_COST, 6);
   });
 
   it('is a free no-op when health is already full', async () => {
     const inst = await freshDb('repair-full.db'); // seeded starter at 100
-    const cashBefore = (await inst.db.select().from(schema.account))[0].cash;
+    const cashBefore = (await getLocalPlayer(inst)).cash;
 
     const { cost } = await repairPlane(inst, 'plane-starter');
 
@@ -692,7 +693,7 @@ describe('repairPlane (v0.39.0, ISS-069; gradual since v0.45.0, ISS-089)', () =>
     expect(plane.status).toBe('available'); // not grounded…
     expect(plane.health).toBe(100);
     expect(plane.repairUntilSimTime ?? null).toBeNull(); // …and no gate set
-    expect((await inst.db.select().from(schema.account))[0].cash).toBe(cashBefore);
+    expect((await getLocalPlayer(inst)).cash).toBe(cashBefore);
   });
 
   it('rejects a flying plane with 409', async () => {
@@ -732,7 +733,7 @@ describe('repairPlane (v0.39.0, ISS-069; gradual since v0.45.0, ISS-089)', () =>
   it('rejects the repair when cash is below REPAIR_COST with 409', async () => {
     const inst = await freshDb('repair-poor.db');
     await inst.db.update(schema.planes).set({ health: 50 }).where(eq(schema.planes.id, 'plane-starter'));
-    await inst.db.update(schema.account).set({ cash: REPAIR_COST - 1 });
+    await updateLocalPlayerEconomy(inst, { cash: REPAIR_COST - 1 });
 
     await expectActionError(repairPlane(inst, 'plane-starter'), 409, /insufficient funds/i);
   });
diff --git a/lib/game/actions.ts b/lib/game/actions.ts
index 6b004de..14cde42 100644
--- a/lib/game/actions.ts
+++ b/lib/game/actions.ts
@@ -1,6 +1,7 @@
 import { randomUUID } from 'node:crypto';
 import { and, eq, inArray } from 'drizzle-orm';
 import * as schema from '@/lib/db/schema';
+import { getLocalPlayer, updateLocalPlayerEconomy } from '@/lib/db/localPlayer';
 import { persist, type GameDb } from '@/lib/db/client';
 import { loadAirportsGeoJson } from '@/lib/airports';
 import { haversineKm, initialBearingDeg } from '@/lib/geo';
@@ -140,11 +141,10 @@ export async function flyPlane(inst: GameDb, planeId: string, destIcao: string):
   // any mutation, so a 409 leaves fuel and cash untouched.
   const target = Math.min(plane.maxFuel, Math.max(plane.fuel, requiredL * 1.5));
   const liters = Math.max(0, target - plane.fuel);
-  const account = (await inst.db.select().from(schema.account))[0];
-  if (!account) throw new Error('account row missing');
-  const cost = Math.round(liters * FUEL_PRICE_PER_L * (1 - repRate(account.reputation, FUEL_DISCOUNT_PER_REP, MAX_FUEL_DISCOUNT)) * 100) / 100;
-  if (cost > 0 && account.cash < cost) {
-    throw new GameActionError(409, `insufficient funds: refueling costs ${cost}, you have ${Math.round(account.cash)}`);
+  const player = await getLocalPlayer(inst);
+  const cost = Math.round(liters * FUEL_PRICE_PER_L * (1 - repRate(player.reputation, FUEL_DISCOUNT_PER_REP, MAX_FUEL_DISCOUNT)) * 100) / 100;
+  if (cost > 0 && player.cash < cost) {
+    throw new GameActionError(409, `insufficient funds: refueling costs ${cost}, you have ${Math.round(player.cash)}`);
   }
   // Backstop: a leg that doesn't fit even a full tank is unflyable (target caps at maxFuel).
   if (requiredL > target) {
@@ -173,7 +173,7 @@ export async function flyPlane(inst: GameDb, planeId: string, destIcao: string):
     })
     .where(eq(schema.planes.id, planeId));
   if (cost > 0) {
-    await inst.db.update(schema.account).set({ cash: Math.round((account.cash - cost) * 100) / 100 });
+    await updateLocalPlayerEconomy(inst, { cash: Math.round((player.cash - cost) * 100) / 100 });
   }
   await persist(inst);
 }
@@ -255,9 +255,8 @@ export async function abandonPackage(inst: GameDb, packageId: string): Promise<{
   if (!sim) throw new Error('sim_state row missing');
   const penalty = abandonPenalty(pkg, sim.clockMs);
 
-  const account = (await inst.db.select().from(schema.account))[0];
-  if (!account) throw new Error('account row missing');
-  await inst.db.update(schema.account).set({ cash: Math.max(0, Math.round((account.cash - penalty) * 100) / 100) });
+  const player = await getLocalPlayer(inst);
+  await updateLocalPlayerEconomy(inst, { cash: Math.max(0, Math.round((player.cash - penalty) * 100) / 100) });
   await inst.db.update(schema.packages).set({ status: 'abandoned', planeId: null }).where(eq(schema.packages.id, packageId));
   await persist(inst);
   return { penalty };
@@ -272,12 +271,11 @@ export async function buyPlane(inst: GameDb, model: string): Promise<{ planeId:
   const type = PLANE_TYPES[model];
   if (!type) throw new GameActionError(400, `unknown plane model "${model}"`);
 
-  const account = (await inst.db.select().from(schema.account))[0];
-  if (!account) throw new Error('account row missing');
+  const player = await getLocalPlayer(inst);
   // v0.38.0 (ISS-072): the EFFECTIVE cost drives both the funds check and the deduction.
-  const cost = Math.round(type.price * (1 - repRate(account.reputation, PLANE_DISCOUNT_PER_REP, MAX_PLANE_DISCOUNT)) * 100) / 100;
-  if (account.cash < cost) {
-    throw new GameActionError(409, `insufficient funds: a ${type.name} costs ${cost}, you have ${Math.round(account.cash)}`);
+  const cost = Math.round(type.price * (1 - repRate(player.reputation, PLANE_DISCOUNT_PER_REP, MAX_PLANE_DISCOUNT)) * 100) / 100;
+  if (player.cash < cost) {
+    throw new GameActionError(409, `insufficient funds: a ${type.name} costs ${cost}, you have ${Math.round(player.cash)}`);
   }
 
   const fc = await loadAirportsGeoJson();
@@ -298,7 +296,7 @@ export async function buyPlane(inst: GameDb, model: string): Promise<{ planeId:
     departureSimTime: null,
     health: 100, // new planes arrive at full health (v0.39.0, ISS-069)
   });
-  await inst.db.update(schema.account).set({ cash: Math.round((account.cash - cost) * 100) / 100 });
+  await updateLocalPlayerEconomy(inst, { cash: Math.round((player.cash - cost) * 100) / 100 });
   await persist(inst);
   return { planeId };
 }
@@ -337,9 +335,8 @@ export async function sellPlane(inst: GameDb, planeId: string): Promise<{ payout
   const payout = Math.round(type.price * SELL_FRACTION * 100) / 100;
 
   await inst.db.delete(schema.planes).where(eq(schema.planes.id, planeId));
-  const account = (await inst.db.select().from(schema.account))[0];
-  if (!account) throw new Error('account row missing');
-  await inst.db.update(schema.account).set({ cash: Math.round((account.cash + payout) * 100) / 100 });
+  const player = await getLocalPlayer(inst);
+  await updateLocalPlayerEconomy(inst, { cash: Math.round((player.cash + payout) * 100) / 100 });
   await persist(inst);
   return { payout };
 }
@@ -364,17 +361,16 @@ export async function repairPlane(inst: GameDb, planeId: string): Promise<{ cost
 
   const sim = (await inst.db.select().from(schema.simState))[0];
   if (!sim) throw new Error('sim_state row missing');
-  const account = (await inst.db.select().from(schema.account))[0];
-  if (!account) throw new Error('account row missing');
-  if (account.cash < REPAIR_COST) {
-    throw new GameActionError(409, `insufficient funds: repair costs ${REPAIR_COST}, you have ${Math.round(account.cash)}`);
+  const player = await getLocalPlayer(inst);
+  if (player.cash < REPAIR_COST) {
+    throw new GameActionError(409, `insufficient funds: repair costs ${REPAIR_COST}, you have ${Math.round(player.cash)}`);
   }
 
   // Health is NOT set here — the engine's finishRepairs pass heals it gradually along the gate.
   await inst.db.update(schema.planes)
     .set({ status: 'repairing', repairUntilSimTime: sim.clockMs + REPAIR_DURATION_MS })
     .where(eq(schema.planes.id, planeId));
-  await inst.db.update(schema.account).set({ cash: Math.round((account.cash - REPAIR_COST) * 100) / 100 });
+  await updateLocalPlayerEconomy(inst, { cash: Math.round((player.cash - REPAIR_COST) * 100) / 100 });
   await persist(inst);
   return { cost: REPAIR_COST };
 }
diff --git a/lib/game/state.ts b/lib/game/state.ts
index 144bce3..1247eeb 100644
--- a/lib/game/state.ts
+++ b/lib/game/state.ts
@@ -2,6 +2,7 @@ import { loadAirportsGeoJson } from '@/lib/airports';
 import { haversineKm, initialBearingDeg } from '@/lib/geo';
 import { weatherFor } from '@/lib/weather';
 import { getGameDb } from '@/lib/db/client';
+import { getLocalPlayer } from '@/lib/db/localPlayer';
 import * as schema from '@/lib/db/schema';
 import { catalogEntries, FUEL_PRICE_PER_L, PLANE_TYPES, SELL_FRACTION, type CatalogEntry } from './catalog';
 import { fuelAtWeighted, progressAt, positionAt, windBurnFactor } from '@/lib/sim/movement';
@@ -114,19 +115,21 @@ export function sseFrame(snapshot: StateSnapshot): StateSnapshot {
 }
 
 export async function getStateSnapshot(): Promise<StateSnapshot> {
-  const { db } = await getGameDb();
+  const inst = await getGameDb();
+  const { db } = inst;
   // NOTE: use plain select(), not the relational db.query.* API — in drizzle-orm
   // 0.45.x the sql-js driver drops the result mapper for relational queries and
   // returns raw rows keyed by SQL column names (snake_case, no type decoding).
-  const [accountRows, simRows, planeRows, packageRows] = await Promise.all([
-    db.select().from(schema.account),
+  // v1.0.0 (ISS-105): the snapshot's `account` field is now the local player row — same shape,
+  // resolved through the temporary single-player helper until multiplayer lands.
+  const [player, simRows, planeRows, packageRows] = await Promise.all([
+    getLocalPlayer(inst),
     db.select().from(schema.simState),
     db.select().from(schema.planes),
     db.select().from(schema.packages),
   ]);
-  const accountRow = accountRows[0];
   const simRow = simRows[0];
-  if (!accountRow || !simRow) throw new Error('game state missing account/sim_state row');
+  if (!simRow) throw new Error('game state missing sim_state row');
 
   const fc = await loadAirportsGeoJson();
   const nameByIcao = new Map(fc.features.map((f) => [f.properties.icao, f.properties.name]));
@@ -169,7 +172,7 @@ export async function getStateSnapshot(): Promise<StateSnapshot> {
   };
 
   return {
-    account: { cash: accountRow.cash, reputation: accountRow.reputation },
+    account: { cash: player.cash, reputation: player.reputation },
     simState: { clockMs: simRow.clockMs },
     catalog: catalogEntries(),
     fuelPricePerL: FUEL_PRICE_PER_L,
diff --git a/lib/openapi.ts b/lib/openapi.ts
index 0677894..eeedae6 100644
--- a/lib/openapi.ts
+++ b/lib/openapi.ts
@@ -445,7 +445,7 @@ export const openApiSpec = {
       get: {
         summary: 'Read table rows (admin)',
         description:
-          'Column headers + up to `limit` rows of the named table (default 500, cap 1000). rowid is exposed as __rowid so the PK-less tables (account, sim_state) are editable like any other. Table names are validated against sqlite_master and values are always bound as parameters.',
+          'Column headers + up to `limit` rows of the named table (default 500, cap 1000). rowid is exposed as __rowid so the PK-less tables (sim_state) are editable like any other. Table names are validated against sqlite_master and values are always bound as parameters.',
         operationId: 'listAdminRows',
         parameters: [
           { name: 'name', in: 'path', required: true, schema: { type: 'string' } },
diff --git a/lib/sim/engine.test.ts b/lib/sim/engine.test.ts
index 52c3211..5483366 100644
--- a/lib/sim/engine.test.ts
+++ b/lib/sim/engine.test.ts
@@ -5,6 +5,7 @@ import { eq } from 'drizzle-orm';
 import { afterAll, beforeAll, describe, expect, it, vi } from 'vitest';
 import { openGameDb } from '@/lib/db/client';
 import * as schema from '@/lib/db/schema';
+import { getLocalPlayer, updateLocalPlayerEconomy } from '@/lib/db/localPlayer';
 import { loadAirportsGeoJson } from '@/lib/airports';
 import { haversineKm, initialBearingDeg } from '@/lib/geo';
 import { weatherFor } from '@/lib/weather';
@@ -228,20 +229,20 @@ describe('deliverPackages (v0.12.0 arrival delivery)', () => {
 
   it('does nothing before the arrival time', async () => {
     const { inst, km, type } = await setupFlight('deliver-early.db');
-    const accountBefore = (await inst.db.select().from(schema.account))[0]!;
+    const playerBefore = (await getLocalPlayer(inst));
 
     const clock = T0 + travelMs(km, type.speedKmh) - 1; // one ms before arrival
     expect(await deliverPackages(inst, clock)).toBe(0);
 
     const plane = (await inst.db.select().from(schema.planes))[0];
-    const account = (await inst.db.select().from(schema.account))[0]!;
+    const player = (await getLocalPlayer(inst));
     expect(plane.status).toBe('flying');
-    expect(account.cash).toBe(accountBefore.cash); // no award before landing
+    expect(player.cash).toBe(playerBefore.cash); // no award before landing
   });
 
   it('delivers in-deadline cargo, unbinds expired cargo for free, keeps other-dest cargo bound', async () => {
     const { inst, from, to, km, type } = await setupFlight('deliver-mixed.db');
-    const accountBefore = (await inst.db.select().from(schema.account))[0]!;
+    const playerBefore = (await getLocalPlayer(inst));
 
     // Three packages on the plane: one in-deadline for TO, one expired for TO,
     // one loaded for a DIFFERENT airport (stays bound for a later leg).
@@ -274,23 +275,23 @@ describe('deliverPackages (v0.12.0 arrival delivery)', () => {
     expect(byId.get('p-elsewhere')!.status).toBe('loaded'); // not this airport's cargo…
     expect(byId.get('p-elsewhere')!.planeId).toBe('plane-starter'); // …stays bound for the next leg
 
-    const account = (await inst.db.select().from(schema.account))[0]!;
-    expect(account.cash).toBeCloseTo(accountBefore.cash + 5_000, 9); // ONLY p-pay paid out
-    expect(account.reputation).toBeCloseTo(
-      Math.round((accountBefore.reputation + reputationGainFor(km)) * 100) / 100,
+    const player = (await getLocalPlayer(inst));
+    expect(player.cash).toBeCloseTo(playerBefore.cash + 5_000, 9); // ONLY p-pay paid out
+    expect(player.reputation).toBeCloseTo(
+      Math.round((playerBefore.reputation + reputationGainFor(km)) * 100) / 100,
       9,
     );
 
     // A later tick must not award again — the plane is no longer 'flying'.
     expect(await deliverPackages(inst, clock + 3_600_000)).toBe(0);
-    const accountAfter = (await inst.db.select().from(schema.account))[0]!;
-    expect(accountAfter.cash).toBe(account.cash);
-    expect(accountAfter.reputation).toBe(account.reputation);
+    const playerAfter = (await getLocalPlayer(inst));
+    expect(playerAfter.cash).toBe(player.cash);
+    expect(playerAfter.reputation).toBe(player.reputation);
   });
 
   it('delivers every in-deadline package for the arrival airport with per-package rewards', async () => {
     const { inst, km } = await setupFlight('deliver-multi.db');
-    const accountBefore = (await inst.db.select().from(schema.account))[0]!;
+    const playerBefore = (await getLocalPlayer(inst));
 
     await inst.db.insert(schema.packages).values([
       { id: 'p-a', originIcao: FROM, destIcao: TO, reward: 1_000, cargoType: 'Mail', cargoCount: 1, deadlineSimTime: T0 + 24 * 3_600_000, status: 'loaded', planeId: 'plane-starter', createdSimTime: T0 },
@@ -300,17 +301,17 @@ describe('deliverPackages (v0.12.0 arrival delivery)', () => {
     const clock = T0 + travelMs(km, PLANE_TYPES.atr72.speedKmh);
     expect(await deliverPackages(inst, clock)).toBe(1);
 
-    const account = (await inst.db.select().from(schema.account))[0]!;
-    expect(account.cash).toBeCloseTo(accountBefore.cash + 3_500, 9); // both rewards
-    expect(account.reputation).toBeCloseTo(
-      Math.round((accountBefore.reputation + reputationGainFor(km) * 2) * 100) / 100,
+    const player = (await getLocalPlayer(inst));
+    expect(player.cash).toBeCloseTo(playerBefore.cash + 3_500, 9); // both rewards
+    expect(player.reputation).toBeCloseTo(
+      Math.round((playerBefore.reputation + reputationGainFor(km) * 2) * 100) / 100,
       9,
     ); // rep per delivered package
   });
 
   it('adds the registry rep bonus for a special package at delivery (v0.37.0)', async () => {
     const { inst, km } = await setupFlight('deliver-special.db');
-    const accountBefore = (await inst.db.select().from(schema.account))[0]!;
+    const playerBefore = (await getLocalPlayer(inst));
 
     await inst.db.insert(schema.packages).values([
       { id: 'p-prio', originIcao: FROM, destIcao: TO, reward: 5_000, cargoType: 'Mail', cargoCount: 10, special: 'priority', deadlineSimTime: T0 + 24 * 3_600_000, status: 'loaded', planeId: 'plane-starter', createdSimTime: T0 },
@@ -319,11 +320,11 @@ describe('deliverPackages (v0.12.0 arrival delivery)', () => {
     const clock = T0 + travelMs(km, PLANE_TYPES.atr72.speedKmh); // exactly at arrival
     expect(await deliverPackages(inst, clock)).toBe(1);
 
-    const account = (await inst.db.select().from(schema.account))[0]!;
-    expect(account.cash).toBeCloseTo(accountBefore.cash + 5_000, 9);
+    const player = (await getLocalPlayer(inst));
+    expect(player.cash).toBeCloseTo(playerBefore.cash + 5_000, 9);
     // Distance-based gain + the registry rep bonus — double-rounded like every other award.
-    expect(account.reputation).toBeCloseTo(
-      Math.round((accountBefore.reputation + reputationGainFor(km) + SPECIALS.priority.repBonus) * 100) / 100,
+    expect(player.reputation).toBeCloseTo(
+      Math.round((playerBefore.reputation + reputationGainFor(km) + SPECIALS.priority.repBonus) * 100) / 100,
       9,
     );
   });
@@ -381,7 +382,7 @@ describe('deliverPackages (v0.12.0 arrival delivery)', () => {
       .set({ fuel: depFuel, queue: JSON.stringify(['EHAM']) })
       .where(eq(schema.planes.id, 'plane-starter'));
 
-    const accountBefore = (await inst.db.select().from(schema.account))[0]!; // seeded €20k — the top-up is affordable
+    const playerBefore = (await getLocalPlayer(inst)); // seeded €20k — the top-up is affordable
     const clock = T0 + travelMs(km, type.speedKmh); // exactly at arrival
     expect(await deliverPackages(inst, clock)).toBe(1);
 
@@ -402,7 +403,7 @@ describe('deliverPackages (v0.12.0 arrival delivery)', () => {
     const target = Math.min(type.maxFuel, Math.max(landedFuel, nextRequiredL * 1.5));
     const liters = Math.max(0, target - landedFuel);
     expect(liters).toBeGreaterThan(0); // the hop genuinely needs more than what's left
-    const rate = repRate(accountBefore.reputation, FUEL_DISCOUNT_PER_REP, MAX_FUEL_DISCOUNT);
+    const rate = repRate(playerBefore.reputation, FUEL_DISCOUNT_PER_REP, MAX_FUEL_DISCOUNT);
     const expectedCost = Math.round(liters * FUEL_PRICE_PER_L * (1 - rate) * 100) / 100;
 
     const plane = (await inst.db.select().from(schema.planes))[0];
@@ -412,21 +413,21 @@ describe('deliverPackages (v0.12.0 arrival delivery)', () => {
     expect(JSON.parse(plane.queue)).toEqual([]); // …leg consumed, rest kept in order
     expect(plane.fuel).toBeCloseTo(target, 6); // …departing with the post-top-up level
 
-    const account = (await inst.db.select().from(schema.account))[0]!;
-    expect(account.cash).toBeCloseTo(accountBefore.cash - expectedCost, 9); // exactly the rep-discounted cost
+    const player = (await getLocalPlayer(inst));
+    expect(player.cash).toBeCloseTo(playerBefore.cash - expectedCost, 9); // exactly the rep-discounted cost
   });
 
   it('grounds with the queue intact when cash cannot cover the auto top-up (ISS-082)', async () => {
     const { inst, from, to, km, type } = await setupFlight('chain-nofuel-poor.db');
 
-    // Same empty-tank landing as above, but the account is broke — the top-up is unaffordable.
+    // Same empty-tank landing as above, but the player is broke — the top-up is unaffordable.
     const w = weatherFor(FROM);
     const f = windBurnFactor(w.windKt, w.windDirDeg, initialBearingDeg(from.lat, from.lon, to.lat, to.lon));
     const depFuel = requiredFuelFor(type.burnPerKm * f, type.emptyWeightKg, type.maxFuel, km);
     await inst.db.update(schema.planes)
       .set({ fuel: depFuel, queue: JSON.stringify(['EHAM']) })
       .where(eq(schema.planes.id, 'plane-starter'));
-    await inst.db.update(schema.account).set({ cash: 0 });
+    await updateLocalPlayerEconomy(inst, { cash: 0 });
 
     const clock = T0 + travelMs(km, type.speedKmh); // exactly at arrival
     expect(await deliverPackages(inst, clock)).toBe(1);
@@ -438,7 +439,7 @@ describe('deliverPackages (v0.12.0 arrival delivery)', () => {
     expect(JSON.parse(plane.queue)).toEqual(['EHAM']); // …queue kept for a later dispatch
     const landedFuel = fuelAtWeighted(depFuel, type.burnPerKm * f, type.emptyWeightKg, type.maxFuel, km, 1);
     expect(plane.fuel).toBeCloseTo(landedFuel, 6); // no top-up happened — the tank is untouched
-    expect((await inst.db.select().from(schema.account))[0]!.cash).toBe(0);
+    expect((await getLocalPlayer(inst)).cash).toBe(0);
   });
 
   it('grounds as before when the queue is empty', async () => {
diff --git a/lib/sim/engine.ts b/lib/sim/engine.ts
index d4fac1a..f91ac1a 100644
--- a/lib/sim/engine.ts
+++ b/lib/sim/engine.ts
@@ -1,6 +1,7 @@
 import { randomInt, randomUUID } from 'node:crypto';
 import { eq, sql } from 'drizzle-orm';
 import { getGameDb, persist, type GameDb } from '@/lib/db/client';
+import { getLocalPlayer, updateLocalPlayerEconomy } from '@/lib/db/localPlayer';
 import * as schema from '@/lib/db/schema';
 import { loadAirportsGeoJson } from '@/lib/airports';
 import { haversineKm, initialBearingDeg } from '@/lib/geo';
@@ -250,13 +251,12 @@ export async function deliverPackages(inst: GameDb, clockMs: number): Promise<nu
     for (const pk of onBoard) {
       if (pk.status === 'loaded' && clockMs <= pk.deadlineSimTime) {
         await inst.db.update(schema.packages).set({ status: 'delivered' }).where(eq(schema.packages.id, pk.id));
-        // Fresh account read per award so multiple deliveries in one tick all count.
-        const fresh = (await inst.db.select().from(schema.account))[0];
-        if (!fresh) throw new Error('account row missing');
+        // Fresh player read per award so multiple deliveries in one tick all count.
+        const fresh = await getLocalPlayer(inst);
         // v0.37.0 (ISS-073): special packages add the registry's flat rep bonus on top of the
         // distance-based gain — same double-rounding convention as before (gain rounded to cents, total re-rounded).
         const repBonus = pk.special ? SPECIALS[pk.special]?.repBonus ?? 0 : 0;
-        await inst.db.update(schema.account).set({
+        await updateLocalPlayerEconomy(inst, {
           cash: fresh.cash + pk.reward,
           reputation: Math.round((fresh.reputation + reputationGainFor(distanceKm) + repBonus) * 100) / 100,
         });
@@ -306,15 +306,14 @@ export async function deliverPackages(inst: GameDb, clockMs: number): Promise<nu
             // ISS-082: auto top-up — same target/price terms as flyPlane's dispatch refuel.
             const target = Math.min(type.maxFuel, Math.max(landedFuel, nextRequiredL * 1.5));
             const liters = Math.max(0, target - landedFuel);
-            // Fresh account read (same pattern as the delivery awards above) so a top-up in this tick sees current cash.
-            const fresh = (await inst.db.select().from(schema.account))[0];
-            if (!fresh) throw new Error('account row missing');
+            // Fresh player read (same pattern as the delivery awards above) so a top-up in this tick sees current cash.
+            const fresh = await getLocalPlayer(inst);
             const cost = Math.round(liters * FUEL_PRICE_PER_L * (1 - repRate(fresh.reputation, FUEL_DISCOUNT_PER_REP, MAX_FUEL_DISCOUNT)) * 100) / 100;
             if (cost === 0 || fresh.cash >= cost) {
               queue.shift();
               chainedTo = nextDest;
               topUpFuel = target;
-              if (cost > 0) await inst.db.update(schema.account).set({ cash: Math.round((fresh.cash - cost) * 100) / 100 });
+              if (cost > 0) await updateLocalPlayerEconomy(inst, { cash: Math.round((fresh.cash - cost) * 100) / 100 });
             }
           }
         }
@@ -383,9 +382,8 @@ export async function spawnPoolPackages(
     lon: f.properties.lon,
   }));
   const rand = rng ?? mulberry32(randomInt(0, 2 ** 31));
-  // v0.38.0 (ISS-072): spawned jobs carry the account's CURRENT reputation quality — read once per spawn batch.
-  const account = (await inst.db.select().from(schema.account))[0];
-  if (!account) throw new Error('account row missing');
+  // v0.38.0 (ISS-072): spawned jobs carry the local player's CURRENT reputation quality — read once per spawn batch.
+  const player = await getLocalPlayer(inst);
 
   let n = 0;
   for (const originIcao of pool) {
@@ -415,7 +413,7 @@ export async function spawnPoolPackages(
             clockMs,
             id: randomUUID(),
             createdRealMs: real,
-            reputation: account.reputation,
+            reputation: player.reputation,
           }),
         );
         openByBand[bandIdx]++;
diff --git a/package.json b/package.json
index ef1b4ff..8dc1781 100644
--- a/package.json
+++ b/package.json
@@ -1,6 +1,6 @@
 {
   "name": "flight-ops",
-  "version": "0.73.0",
+  "version": "1.0.0",
   "private": true,
   "scripts": {
     "dev": "next dev -p 3000",