diff --git a/libwallet/src/address.rs b/libwallet/src/address.rs
index 8d55b39f3..a10dc9bc2 100644
--- a/libwallet/src/address.rs
+++ b/libwallet/src/address.rs
@@ -17,10 +17,19 @@
 
 use crate::grin_util::secp::key::SecretKey;
 use crate::Error;
+use ed25519_dalek::PublicKey as DalekPublicKey;
+use ed25519_dalek::SecretKey as DalekSecretKey;
 use grin_keychain::{ChildNumber, Identifier, Keychain, SwitchCommitmentType};
 
 use crate::blake2::blake2b::blake2b;
 
+/// Highest proof-address derivation index the RECEIVE path scans when
+/// detecting which of this wallet's addresses a payment-proof slate is
+/// addressed to. Per-offer address minting (the app-side allocator) must stay
+/// at or below this bound, or the receive side could not find the matching
+/// signing key and the proof would fail the sender's finalize-time check.
+pub const MAX_PROOF_ADDRESS_INDEX: u32 = 1023;
+
 /// Derive a secret key given a derivation path and index
 pub fn address_from_derivation_path<K>(
 	keychain: &K,
@@ -47,3 +56,173 @@ where
 		&hashed.as_bytes()[..],
 	)?)
 }
+
+/// The derivation index of `address` among this wallet's proof/slatepack
+/// addresses (indices `0..=max` under `parent_key_id`), or `None` when the
+/// address is not this wallet's within that bound. Index 0 — the default app
+/// address — is checked first, so the common case costs a single derivation,
+/// exactly like the old pinned-index behavior. Used by the receive path to
+/// sign a payment proof with the key MATCHING the address the sender paid to
+/// (a proof signed by any other key fails the sender's finalize-time check),
+/// and by proof verification's is-this-mine test.
+pub fn proof_address_derivation_index<K>(
+	keychain: &K,
+	parent_key_id: &Identifier,
+	address: &DalekPublicKey,
+	max: u32,
+) -> Result<Option<u32>, Error>
+where
+	K: Keychain,
+{
+	for index in 0..=max {
+		let sec_key = address_from_derivation_path(keychain, parent_key_id, index)?;
+		let d_skey = match DalekSecretKey::from_bytes(&sec_key.0) {
+			Ok(k) => k,
+			Err(e) => {
+				return Err(Error::ED25519Key(format!("{}", e)));
+			}
+		};
+		let pub_key: DalekPublicKey = (&d_skey).into();
+		if &pub_key == address {
+			return Ok(Some(index));
+		}
+	}
+	Ok(None)
+}
+
+#[cfg(test)]
+mod test {
+	use super::*;
+	use crate::grin_keychain::{ExtKeychain, ExtKeychainPath, Keychain};
+	use crate::grin_util::secp::key::SecretKey as SecpSecretKey;
+	use crate::grin_util::static_secp_instance;
+	use crate::internal::tx::{create_payment_proof_signature, payment_proof_message};
+	use ed25519_dalek::Verifier;
+	use rand::rngs::mock::StepRng;
+
+	fn test_parent() -> Identifier {
+		ExtKeychainPath::new(2, 0, 0, 0, 0).to_identifier()
+	}
+
+	fn dalek_pub(sec: &SecretKey) -> DalekPublicKey {
+		let d = DalekSecretKey::from_bytes(&sec.0).unwrap();
+		(&d).into()
+	}
+
+	#[test]
+	// A per-offer proof address minted at index N is a DIFFERENT address from
+	// index 0 (and from every other index), and the receive-side detection
+	// finds exactly the index it was minted at.
+	fn minted_indices_are_distinct_and_detectable() {
+		let keychain = ExtKeychain::from_random_seed(false).unwrap();
+		let parent = test_parent();
+		let addrs: Vec<DalekPublicKey> = (0..=8u32)
+			.map(|i| {
+				dalek_pub(&address_from_derivation_path(&keychain, &parent, i).unwrap())
+			})
+			.collect();
+		// Pairwise distinct — index N never collides with index 0 or any other.
+		for i in 0..addrs.len() {
+			for j in (i + 1)..addrs.len() {
+				assert_ne!(
+					addrs[i].to_bytes(),
+					addrs[j].to_bytes(),
+					"indices {} and {} must derive distinct addresses",
+					i,
+					j
+				);
+			}
+		}
+		// Detection maps each address back to exactly its index.
+		for (i, addr) in addrs.iter().enumerate() {
+			assert_eq!(
+				proof_address_derivation_index(&keychain, &parent, addr, 16).unwrap(),
+				Some(i as u32)
+			);
+		}
+		// A foreign address is not detected as ours.
+		let other = ExtKeychain::from_random_seed(false).unwrap();
+		let foreign =
+			dalek_pub(&address_from_derivation_path(&other, &parent, 0).unwrap());
+		assert_eq!(
+			proof_address_derivation_index(&keychain, &parent, &foreign, 16).unwrap(),
+			None
+		);
+	}
+
+	#[test]
+	// The money-path round trip the receive fix must uphold: a payment-proof
+	// slate addressed to the wallet's index-N address is signed with index N's
+	// key (detect -> derive -> sign, exactly the patched foreign::receive_tx
+	// sequence), and that signature VERIFIES against the addressed key under
+	// the sender's finalize-time check (tx.rs verify_slate_payment_proof's
+	// receiver_address.verify). The old pinned index-0 signature must FAIL
+	// that same check, demonstrating the bug this fixes.
+	fn receive_signs_with_matching_indexed_key() {
+		let keychain = ExtKeychain::from_random_seed(false).unwrap();
+		let parent = test_parent();
+		let amount: u64 = 2_000_000_000;
+
+		// The sender pays to the wallet's per-offer address minted at index 7.
+		let minted_index = 7u32;
+		let receiver_address = dalek_pub(
+			&address_from_derivation_path(&keychain, &parent, minted_index).unwrap(),
+		);
+
+		// A sender address (any foreign ed25519 key).
+		let sender_address = {
+			let secp_inst = static_secp_instance();
+			let secp = secp_inst.lock();
+			let mut rng = StepRng::new(9_876_543_210_u64, 1);
+			dalek_pub(&SecpSecretKey::new(&secp, &mut rng))
+		};
+
+		// A kernel excess commitment for the proof message.
+		let excess = {
+			let secp_inst = static_secp_instance();
+			let secp = secp_inst.lock();
+			let mut rng = StepRng::new(1_234_567_890_u64, 1);
+			let blind = SecpSecretKey::new(&secp, &mut rng);
+			secp.commit(0, blind).unwrap()
+		};
+
+		// RECEIVE SIDE (patched foreign::receive_tx): detect the addressed
+		// index, derive the MATCHING key, sign.
+		let detected = proof_address_derivation_index(
+			&keychain,
+			&parent,
+			&receiver_address,
+			MAX_PROOF_ADDRESS_INDEX,
+		)
+		.unwrap()
+		.expect("minted address must be detected");
+		assert_eq!(detected, minted_index);
+		let signing_key =
+			address_from_derivation_path(&keychain, &parent, detected).unwrap();
+		let sig =
+			create_payment_proof_signature(amount, &excess, sender_address, signing_key)
+				.unwrap();
+
+		// SENDER SIDE (tx.rs finalize check): the signature must verify
+		// against the address the sender paid to.
+		let msg = payment_proof_message(amount, &excess, sender_address).unwrap();
+		assert!(
+			receiver_address.verify(&msg, &sig).is_ok(),
+			"proof signed by the matching indexed key must verify"
+		);
+
+		// The OLD behavior — always signing with index 0 — fails the sender's
+		// check for a payment addressed to index 7 (the pinned-index bug).
+		let old_sig = create_payment_proof_signature(
+			amount,
+			&excess,
+			sender_address,
+			address_from_derivation_path(&keychain, &parent, 0).unwrap(),
+		)
+		.unwrap();
+		assert!(
+			receiver_address.verify(&msg, &old_sig).is_err(),
+			"an index-0 signature must NOT verify against an index-7 address"
+		);
+	}
+}
diff --git a/libwallet/src/api_impl/foreign.rs b/libwallet/src/api_impl/foreign.rs
index 315091cd4..c75f84b94 100644
--- a/libwallet/src/api_impl/foreign.rs
+++ b/libwallet/src/api_impl/foreign.rs
@@ -114,11 +114,26 @@ where
 	let excess = ret_slate.calc_excess(keychain.secp())?;
 
 	if let Some(ref mut p) = ret_slate.payment_proof {
+		// The slate may be addressed to ANY of this wallet's derived proof
+		// addresses (per-offer indexed addresses), not only the default
+		// index-0 one. Detect which derivation index the sender paid to and
+		// sign with the MATCHING key — a proof signed by any other key fails
+		// the sender's finalize-time signature check. Index 0 is probed first,
+		// so an ordinary receive costs one derivation exactly as before; an
+		// address outside the scan bound falls back to index 0 (the old
+		// behavior, which the sender's check rejects just as it did).
+		let index = address::proof_address_derivation_index(
+			&keychain,
+			&parent_key_id,
+			&p.receiver_address,
+			address::MAX_PROOF_ADDRESS_INDEX,
+		)?
+		.unwrap_or(0);
 		let sig = tx::create_payment_proof_signature(
 			ret_slate.amount,
 			&excess,
 			p.sender_address,
-			address::address_from_derivation_path(&keychain, &parent_key_id, 0)?,
+			address::address_from_derivation_path(&keychain, &parent_key_id, index)?,
 		)?;
 
 		p.receiver_signature = Some(sig);
diff --git a/libwallet/src/api_impl/owner.rs b/libwallet/src/api_impl/owner.rs
index 017bf4e97..f26aacdf5 100644
--- a/libwallet/src/api_impl/owner.rs
+++ b/libwallet/src/api_impl/owner.rs
@@ -41,7 +41,6 @@ use crate::{
 	WalletInst, WalletLCProvider,
 };
 
-use ed25519_dalek::PublicKey as DalekPublicKey;
 use ed25519_dalek::SecretKey as DalekSecretKey;
 use ed25519_dalek::Verifier;
 use x25519_dalek::{PublicKey as xPublicKey, StaticSecret};
@@ -1240,18 +1239,23 @@ where
 		return Err(Error::PaymentProof("Invalid sender signature".to_owned()));
 	};
 
-	// for now, simple test as to whether one of the addresses belongs to this wallet
-	let sec_key = address::address_from_derivation_path(&keychain, &parent_key_id, 0)?;
-	let d_skey = match DalekSecretKey::from_bytes(&sec_key.0) {
-		Ok(k) => k,
-		Err(e) => {
-			return Err(Error::ED25519Key(format!("{}", e)));
-		}
-	};
-	let my_address_pubkey: DalekPublicKey = (&d_skey).into();
+	// Test whether one of the addresses belongs to this wallet, ANY of its
+	// derived proof addresses (per-offer indexed), not only index 0.
 
-	let sender_mine = my_address_pubkey == sender_pubkey;
-	let recipient_mine = my_address_pubkey == recipient_pubkey;
+	let sender_mine = address::proof_address_derivation_index(
+		&keychain,
+		&parent_key_id,
+		&sender_pubkey,
+		address::MAX_PROOF_ADDRESS_INDEX,
+	)?
+	.is_some();
+	let recipient_mine = address::proof_address_derivation_index(
+		&keychain,
+		&parent_key_id,
+		&recipient_pubkey,
+		address::MAX_PROOF_ADDRESS_INDEX,
+	)?
+	.is_some();
 
 	Ok((sender_mine, recipient_mine))
 }