diff --git a/src/app.ts b/src/app.ts
index b3a2687..46eb6f5 100644
--- a/src/app.ts
+++ b/src/app.ts
@@ -49,7 +49,7 @@ import { createSwapRouter } from "./routes/swap.routes";
 import { createRoyaltiesRouter } from "./routes/royalties.routes";
 import { createSubscriptionsRouter } from "./routes/subscriptions.routes";
 import { createOnboardingRouter } from "./routes/onboarding.routes";
-import { createIssuerReputationRouter } from "./routes/issuer-reputation.routes";
+import { createCommunityProgramsRouter } from "./routes/community-programs.routes";
 
 import type { AuthService } from "./services/auth.service";
 import type { NotificationService } from "./services/notification.service";
@@ -413,6 +413,7 @@ export function createApp({
 
   app.use("/api/v1/auth", createAuthRouter(authService, appLogger));
   app.use("/auth", createAuthRouter(authService, appLogger));
+  app.use("/api/v1", createCommunityProgramsRouter(dataSource, authService));
 
   if (kycService) {
     app.use("/api/v1/kyc", createKycRouter(kycService, authService));
diff --git a/src/migrations/1754000000000-CreateCommunityProgramTables.ts b/src/migrations/1754000000000-CreateCommunityProgramTables.ts
new file mode 100644
index 0000000..89a99bb
--- /dev/null
+++ b/src/migrations/1754000000000-CreateCommunityProgramTables.ts
@@ -0,0 +1,48 @@
+import { MigrationInterface, QueryRunner, Table, TableIndex } from "typeorm";
+
+export class CreateCommunityProgramTables1754000000000 implements MigrationInterface {
+  async up(queryRunner: QueryRunner): Promise<void> {
+    await queryRunner.createTable(new Table({
+      name: "invoice_fraud_reports",
+      columns: [
+        { name: "id", type: "uuid", isPrimary: true, generationStrategy: "uuid", isGenerated: true },
+        { name: "invoice_id", type: "uuid" }, { name: "reporter_wallet", type: "varchar", length: "56" },
+        { name: "reason", type: "varchar", length: "64" }, { name: "detail", type: "text" },
+        { name: "status", type: "varchar", length: "32", default: "'open'" },
+        { name: "review_note", type: "text", isNullable: true },
+        { name: "created_at", type: "timestamp with time zone", default: "now()" },
+        { name: "updated_at", type: "timestamp with time zone", default: "now()" },
+      ],
+    }), true);
+    await queryRunner.createIndex("invoice_fraud_reports", new TableIndex({ name: "uq_invoice_fraud_report_wallet", columnNames: ["invoice_id", "reporter_wallet"], isUnique: true }));
+    await queryRunner.createTable(new Table({
+      name: "referrals",
+      columns: [
+        { name: "id", type: "uuid", isPrimary: true, generationStrategy: "uuid", isGenerated: true },
+        { name: "referrer_wallet", type: "varchar", length: "56" }, { name: "referee_wallet", type: "varchar", length: "56" },
+        { name: "earned_amount", type: "decimal", precision: 18, scale: 4, default: 0 },
+        { name: "claimed_amount", type: "decimal", precision: 18, scale: 4, default: 0 },
+        { name: "created_at", type: "timestamp with time zone", default: "now()" },
+      ],
+    }), true);
+    await queryRunner.createIndex("referrals", new TableIndex({ name: "uq_referral_referee", columnNames: ["referee_wallet"], isUnique: true }));
+    await queryRunner.createTable(new Table({
+      name: "waitlist_entries",
+      columns: [
+        { name: "id", type: "uuid", isPrimary: true, generationStrategy: "uuid", isGenerated: true },
+        { name: "wallet", type: "varchar", length: "56" }, { name: "email", type: "varchar", length: "255" },
+        { name: "referral_code", type: "varchar", length: "64" }, { name: "referral_count", type: "integer", default: 0 },
+        { name: "status", type: "varchar", length: "24", default: "'pending'" },
+        { name: "created_at", type: "timestamp with time zone", default: "now()" },
+        { name: "updated_at", type: "timestamp with time zone", default: "now()" },
+      ],
+    }), true);
+    await queryRunner.createIndex("waitlist_entries", new TableIndex({ name: "uq_waitlist_wallet", columnNames: ["wallet"], isUnique: true }));
+  }
+
+  async down(queryRunner: QueryRunner): Promise<void> {
+    await queryRunner.dropTable("waitlist_entries", true);
+    await queryRunner.dropTable("referrals", true);
+    await queryRunner.dropTable("invoice_fraud_reports", true);
+  }
+}
diff --git a/src/models/InvoiceFraudReport.model.ts b/src/models/InvoiceFraudReport.model.ts
new file mode 100644
index 0000000..daa3493
--- /dev/null
+++ b/src/models/InvoiceFraudReport.model.ts
@@ -0,0 +1,40 @@
+import { Column, CreateDateColumn, Entity, Index, PrimaryGeneratedColumn, UpdateDateColumn } from "typeorm";
+
+export enum FraudReportStatus {
+  OPEN = "open",
+  INVESTIGATING = "investigating",
+  RESOLVED = "resolved",
+  DISMISSED = "dismissed",
+}
+
+@Entity("invoice_fraud_reports")
+@Index("uq_invoice_fraud_report_wallet", ["invoiceId", "reporterWallet"], { unique: true })
+@Index("idx_invoice_fraud_report_status", ["status", "createdAt"])
+export class InvoiceFraudReport {
+  @PrimaryGeneratedColumn("uuid")
+  id!: string;
+
+  @Column({ name: "invoice_id", type: "uuid" })
+  invoiceId!: string;
+
+  @Column({ name: "reporter_wallet", type: "varchar", length: 56 })
+  reporterWallet!: string;
+
+  @Column({ type: "varchar", length: 64 })
+  reason!: string;
+
+  @Column({ type: "text" })
+  detail!: string;
+
+  @Column({ type: "varchar", length: 32, default: FraudReportStatus.OPEN })
+  status!: FraudReportStatus;
+
+  @Column({ name: "review_note", type: "text", nullable: true })
+  reviewNote!: string | null;
+
+  @CreateDateColumn({ name: "created_at" })
+  createdAt!: Date;
+
+  @UpdateDateColumn({ name: "updated_at" })
+  updatedAt!: Date;
+}
diff --git a/src/models/Referral.model.ts b/src/models/Referral.model.ts
new file mode 100644
index 0000000..7033aa2
--- /dev/null
+++ b/src/models/Referral.model.ts
@@ -0,0 +1,24 @@
+import { Column, CreateDateColumn, Entity, Index, PrimaryGeneratedColumn } from "typeorm";
+
+@Entity("referrals")
+@Index("uq_referral_referee", ["refereeWallet"], { unique: true })
+@Index("idx_referral_referrer", ["referrerWallet", "createdAt"])
+export class Referral {
+  @PrimaryGeneratedColumn("uuid")
+  id!: string;
+
+  @Column({ name: "referrer_wallet", type: "varchar", length: 56 })
+  referrerWallet!: string;
+
+  @Column({ name: "referee_wallet", type: "varchar", length: 56 })
+  refereeWallet!: string;
+
+  @Column({ name: "earned_amount", type: "decimal", precision: 18, scale: 4, default: 0 })
+  earnedAmount!: string;
+
+  @Column({ name: "claimed_amount", type: "decimal", precision: 18, scale: 4, default: 0 })
+  claimedAmount!: string;
+
+  @CreateDateColumn({ name: "created_at" })
+  createdAt!: Date;
+}
diff --git a/src/models/WaitlistEntry.model.ts b/src/models/WaitlistEntry.model.ts
new file mode 100644
index 0000000..5eeb9e9
--- /dev/null
+++ b/src/models/WaitlistEntry.model.ts
@@ -0,0 +1,30 @@
+import { Column, CreateDateColumn, Entity, Index, PrimaryGeneratedColumn, UpdateDateColumn } from "typeorm";
+
+@Entity("waitlist_entries")
+@Index("uq_waitlist_wallet", ["wallet"], { unique: true })
+@Index("idx_waitlist_status_created", ["status", "createdAt"])
+export class WaitlistEntry {
+  @PrimaryGeneratedColumn("uuid")
+  id!: string;
+
+  @Column({ type: "varchar", length: 56 })
+  wallet!: string;
+
+  @Column({ type: "varchar", length: 255 })
+  email!: string;
+
+  @Column({ name: "referral_code", type: "varchar", length: 64, unique: true })
+  referralCode!: string;
+
+  @Column({ name: "referral_count", type: "integer", default: 0 })
+  referralCount!: number;
+
+  @Column({ type: "varchar", length: 24, default: "pending" })
+  status!: "pending" | "approved";
+
+  @CreateDateColumn({ name: "created_at" })
+  createdAt!: Date;
+
+  @UpdateDateColumn({ name: "updated_at" })
+  updatedAt!: Date;
+}
diff --git a/src/routes/community-programs.routes.ts b/src/routes/community-programs.routes.ts
new file mode 100644
index 0000000..d6c6118
--- /dev/null
+++ b/src/routes/community-programs.routes.ts
@@ -0,0 +1,70 @@
+import { Router, Request, Response, NextFunction } from "express";
+import { DataSource } from "typeorm";
+import { createAuthMiddleware, requireAdmin } from "../middleware/auth.middleware";
+import type { AuthService } from "../services/auth.service";
+import type { AuthenticatedRequest } from "../types/auth";
+import { CommunityProgramsService } from "../services/community-programs.service";
+import { FraudReportStatus } from "../models/InvoiceFraudReport.model";
+import { WaitlistEntry } from "../models/WaitlistEntry.model";
+
+export function createCommunityProgramsRouter(dataSource: DataSource, authService: AuthService): Router {
+  const router = Router();
+  const service = new CommunityProgramsService(dataSource);
+  const authenticate = createAuthMiddleware(authService);
+  const forward = (next: NextFunction, error: unknown) => next(error);
+
+  router.post("/referrals/register", authenticate, async (req: AuthenticatedRequest, res: Response, next) => {
+    try { res.status(201).json({ success: true, data: await service.registerReferral(String(req.body?.referrerWallet ?? ""), String(req.user?.stellarAddress ?? "")) }); }
+    catch (error) { forward(next, error); }
+  });
+  router.get("/referrals/stats", authenticate, async (req: Request, res: Response, next) => {
+    try { res.json({ success: true, data: await service.referralStats(String(req.query.wallet ?? "")) }); }
+    catch (error) { forward(next, error); }
+  });
+  router.get("/referrals/history", authenticate, async (req: Request, res: Response, next) => {
+    try { res.json({ success: true, data: (await service.referralStats(String(req.query.wallet ?? ""))).history }); }
+    catch (error) { forward(next, error); }
+  });
+  router.post("/referrals/claim", authenticate, async (req: AuthenticatedRequest, res: Response, next) => {
+    try { res.json({ success: true, data: await service.buildReferralClaim(String(req.user?.stellarAddress ?? req.body?.wallet ?? "")) }); }
+    catch (error) { forward(next, error); }
+  });
+
+  router.post("/waitlist", async (req: Request, res: Response, next) => {
+    try { res.status(201).json({ success: true, data: await service.registerWaitlist(String(req.body?.wallet ?? ""), String(req.body?.email ?? ""), req.body?.referralCode) }); }
+    catch (error) { forward(next, error); }
+  });
+  router.get("/waitlist/:wallet", async (req: Request, res: Response, next) => {
+    try {
+      const entry = await dataSource.getRepository(WaitlistEntry).findOne({ where: { wallet: req.params.wallet } });
+      if (!entry) { res.status(404).json({ success: false, error: "Waitlist entry not found" }); return; }
+      res.json({ success: true, data: await service.waitlistView(entry as never) });
+    } catch (error) { forward(next, error); }
+  });
+  router.post("/waitlist/referral", async (req: Request, res: Response, next) => {
+    try { const result = await dataSource.getRepository(WaitlistEntry).increment({ referralCode: String(req.body?.referralCode ?? "") }, "referralCount", 1); res.json({ success: true, data: { recorded: Boolean(result.affected) } }); }
+    catch (error) { forward(next, error); }
+  });
+
+  router.post("/invoices/:id/reports", authenticate, async (req: AuthenticatedRequest, res: Response, next) => {
+    try { res.status(201).json({ success: true, data: await service.createFraudReport({ invoiceId: req.params.id, wallet: String(req.user?.stellarAddress ?? ""), reason: String(req.body?.reason ?? ""), detail: String(req.body?.detail ?? "") }) }); }
+    catch (error) { forward(next, error); }
+  });
+
+  const admin = Router();
+  admin.use(authenticate, requireAdmin((process.env.ADMIN_WALLETS ?? "").split(",").map((wallet) => wallet.trim()).filter(Boolean)));
+  admin.get("/reports", async (req: Request, res: Response, next) => {
+    try { const page = Math.max(1, Number(req.query.page) || 1); const pageSize = Math.min(100, Math.max(1, Number(req.query.pageSize) || 25)); const [items, total] = await service.listFraudReports(page, pageSize); res.json({ success: true, data: items, pagination: { page, pageSize, total } }); }
+    catch (error) { forward(next, error); }
+  });
+  admin.patch("/reports/:id", async (req: Request, res: Response, next) => {
+    try { res.json({ success: true, data: await service.reviewFraudReport(req.params.id, String(req.body?.status) as FraudReportStatus, req.body?.reviewNote) }); }
+    catch (error) { forward(next, error); }
+  });
+  admin.post("/waitlist/:wallet/approve", async (req: Request, res: Response, next) => {
+    try { res.json({ success: true, data: await service.approveWaitlist(req.params.wallet) }); }
+    catch (error) { forward(next, error); }
+  });
+  router.use("/admin", admin);
+  return router;
+}
diff --git a/src/services/community-programs.service.ts b/src/services/community-programs.service.ts
new file mode 100644
index 0000000..2f319e0
--- /dev/null
+++ b/src/services/community-programs.service.ts
@@ -0,0 +1,93 @@
+import { DataSource } from "typeorm";
+import Decimal from "decimal.js";
+import { InvoiceFraudReport, FraudReportStatus } from "../models/InvoiceFraudReport.model";
+import { Referral } from "../models/Referral.model";
+import { WaitlistEntry } from "../models/WaitlistEntry.model";
+
+export class CommunityProgramsService {
+  constructor(private readonly dataSource: DataSource) {}
+
+  async createFraudReport(input: { invoiceId: string; wallet: string; reason: string; detail: string }) {
+    if (!input.reason || input.reason.length > 64 || !input.detail || input.detail.length > 4000) {
+      throw Object.assign(new Error("reason and detail are required and must be within the allowed length"), { statusCode: 400 });
+    }
+    const repository = this.dataSource.getRepository(InvoiceFraudReport);
+    const existing = await repository.findOne({ where: { invoiceId: input.invoiceId, reporterWallet: input.wallet } });
+    if (existing) throw Object.assign(new Error("A report already exists for this wallet and invoice"), { statusCode: 409 });
+    return repository.save(repository.create({ ...input, reporterWallet: input.wallet, status: FraudReportStatus.OPEN, reviewNote: null }));
+  }
+
+  listFraudReports(page: number, pageSize: number) {
+    return this.dataSource.getRepository(InvoiceFraudReport).findAndCount({
+      order: { createdAt: "DESC" }, skip: (page - 1) * pageSize, take: pageSize,
+    });
+  }
+
+  async reviewFraudReport(id: string, status: FraudReportStatus, reviewNote?: string) {
+    if (![FraudReportStatus.INVESTIGATING, FraudReportStatus.RESOLVED, FraudReportStatus.DISMISSED].includes(status)) {
+      throw Object.assign(new Error("Invalid report status"), { statusCode: 400 });
+    }
+    const repository = this.dataSource.getRepository(InvoiceFraudReport);
+    const report = await repository.findOneBy({ id });
+    if (!report) throw Object.assign(new Error("Fraud report not found"), { statusCode: 404 });
+    report.status = status;
+    report.reviewNote = reviewNote?.trim().slice(0, 4000) ?? null;
+    return repository.save(report);
+  }
+
+  async registerReferral(referrerWallet: string, refereeWallet: string) {
+    if (!referrerWallet || !refereeWallet || referrerWallet === refereeWallet) {
+      throw Object.assign(new Error("A referral must link two different wallets"), { statusCode: 400 });
+    }
+    const repository = this.dataSource.getRepository(Referral);
+    const existing = await repository.findOne({ where: { refereeWallet } });
+    if (existing) return existing;
+    return repository.save(repository.create({ referrerWallet, refereeWallet, earnedAmount: "0", claimedAmount: "0" }));
+  }
+
+  async referralStats(wallet: string) {
+    const referrals = await this.dataSource.getRepository(Referral).find({ where: { referrerWallet: wallet }, order: { createdAt: "DESC" } });
+    const earned = referrals.reduce((sum, row) => sum.plus(row.earnedAmount), new Decimal(0));
+    const claimed = referrals.reduce((sum, row) => sum.plus(row.claimedAmount), new Decimal(0));
+    return { totalReferees: referrals.length, earned: earned.toFixed(4), pending: earned.minus(claimed).toFixed(4), history: referrals };
+  }
+
+  async buildReferralClaim(wallet: string) {
+    const stats = await this.referralStats(wallet);
+    if (new Decimal(stats.pending).lte(0)) {
+      throw Object.assign(new Error("No referral rewards are available to claim"), { statusCode: 409 });
+    }
+    return {
+      wallet,
+      amount: stats.pending,
+      // The signing key stays with the wallet client; the API only returns a
+      // deterministic claim intent for the configured reward contract.
+      unsignedTransaction: { type: "referral_reward_claim", wallet, amount: stats.pending },
+    };
+  }
+
+  async registerWaitlist(wallet: string, email: string, referralCode?: string) {
+    if (!wallet || !/^[^\s@]+@[^\s@]+\.[^\s@]+$/.test(email)) {
+      throw Object.assign(new Error("A valid wallet and email are required"), { statusCode: 400 });
+    }
+    const repository = this.dataSource.getRepository(WaitlistEntry);
+    const existing = await repository.findOne({ where: { wallet } });
+    if (existing) return this.waitlistView(existing);
+    const entry = await repository.save(repository.create({ wallet, email, referralCode: `${wallet.slice(0, 8)}-${Date.now()}`, referralCount: 0, status: "pending" }));
+    if (referralCode) await repository.increment({ referralCode }, "referralCount", 1);
+    return this.waitlistView(entry);
+  }
+
+  async waitlistView(entry: WaitlistEntry) {
+    const ahead = await this.dataSource.getRepository(WaitlistEntry).count({ where: { status: "pending" } });
+    return { wallet: entry.wallet, position: Math.max(1, ahead - entry.referralCount), referralCount: entry.referralCount, referralCode: entry.referralCode, status: entry.status };
+  }
+
+  async approveWaitlist(wallet: string) {
+    const repository = this.dataSource.getRepository(WaitlistEntry);
+    const entry = await repository.findOne({ where: { wallet } });
+    if (!entry) throw Object.assign(new Error("Waitlist entry not found"), { statusCode: 404 });
+    entry.status = "approved";
+    return repository.save(entry);
+  }
+}
diff --git a/src/workers/invoice-maturity.worker.ts b/src/workers/invoice-maturity.worker.ts
index 5f1f8b0..8f3d38a 100644
--- a/src/workers/invoice-maturity.worker.ts
+++ b/src/workers/invoice-maturity.worker.ts
@@ -25,7 +25,7 @@ export interface MaturedInvoice {
 }
 
 export interface MaturedInvoiceRepository {
-  /** Published or funded invoices whose due date is on or before `asOf`. */
+  /** Published or funded invoices whose funding deadline or due date passed. */
   findMaturedInvoices(asOf: Date, limit: number): Promise<MaturedInvoice[]>;
   /**
    * Moves an under-funded invoice to `failed`. Returns null when the invoice
@@ -244,10 +244,10 @@ class TypeOrmMaturedInvoiceRepository implements MaturedInvoiceRepository {
   async findMaturedInvoices(asOf: Date, limit: number): Promise<MaturedInvoice[]> {
     const rows = await this.dataSource.getRepository(Invoice).find({
       select: { id: true, status: true, amount: true },
-      where: {
-        status: In([InvoiceStatus.PUBLISHED, InvoiceStatus.FUNDED]),
-        dueDate: LessThanOrEqual(toDateOnly(asOf) as unknown as Date),
-      },
+      where: [
+        { status: In([InvoiceStatus.PUBLISHED, InvoiceStatus.FUNDED]), dueDate: LessThanOrEqual(toDateOnly(asOf) as unknown as Date) },
+        { status: InvoiceStatus.PUBLISHED, fundingDeadline: LessThanOrEqual(asOf) },
+      ],
       order: { dueDate: "ASC" },
       take: limit,
     });