diff --git a/backend/src/cyclone/api.py b/backend/src/cyclone/api.py
index 3a79445..7a67a2a 100644
--- a/backend/src/cyclone/api.py
+++ b/backend/src/cyclone/api.py
@@ -2604,6 +2604,72 @@ def get_clearhouse():
     return json.loads(ch.model_dump_json())
 
 
+@app.patch("/api/clearhouse", dependencies=[Depends(matrix_gate)])
+async def patch_clearhouse(body: dict) -> Any:
+    """Replace the singleton clearhouse row (SP25).
+
+    The full ``Clearhouse`` model is required — we don't accept partial
+    updates because the operator-facing use case is "I'm switching the
+    loop to real MFT" or "I'm pointing at a different MFT server",
+    not "I'm tweaking one field at a time." Validation errors are
+    returned as 422 (Pydantic default).
+
+    After a successful write, the running scheduler is hot-reloaded
+    via ``scheduler.reconfigure_scheduler()`` so the next tick uses
+    the new SftpBlock without a process restart.
+    """
+    from cyclone import scheduler as _scheduler_mod
+    from cyclone.providers import Clearhouse as _Clearhouse, SftpBlock as _SftpBlock
+
+    # Strict-validate the sftp_block sub-dict FIRST. Pydantic v2's
+    # default mode coerces strings to bools (e.g. ``"stub": "yes"``
+    # silently becomes True), which would hide a real operator
+    # mistake. The Clearhouse model itself stays in loose mode so
+    # ISO-string ``updated_at`` (the JSON round-trip shape) keeps
+    # parsing.
+    raw_sb = body.get("sftp_block", {})
+    try:
+        _SftpBlock.model_validate(raw_sb, strict=True)
+    except Exception as exc:
+        raise HTTPException(
+            status_code=422, detail=f"invalid sftp_block: {exc}",
+        ) from exc
+
+    # Now validate the full body in loose mode.
+    try:
+        parsed = _Clearhouse.model_validate(body)
+    except Exception as exc:
+        raise HTTPException(status_code=422, detail=str(exc)) from exc
+
+    # SP25: when sftp_block.stub=false, the block must carry an auth
+    # account name and a non-empty host. The Pydantic model catches
+    # some of these; this catches the "empty password_keychain_account"
+    # case (which Pydantic allows because it's a free-form dict).
+    sb = parsed.sftp_block
+    if not sb.stub:
+        if not sb.host:
+            raise HTTPException(
+                status_code=422,
+                detail="sftp_block.host is required when stub=false",
+            )
+        auth = sb.auth or {}
+        if not auth.get("password_keychain_account") and not auth.get("key_file"):
+            raise HTTPException(
+                status_code=422,
+                detail=(
+                    "sftp_block.auth must contain either "
+                    "'password_keychain_account' or 'key_file' when stub=false"
+                ),
+            )
+
+    updated = store.update_clearhouse(parsed)
+    await _scheduler_mod.reconfigure_scheduler(
+        updated.sftp_block,
+        sftp_block_name=updated.name or "default",
+    )
+    return json.loads(updated.model_dump_json())
+
+
 @app.post("/api/clearhouse/submit", dependencies=[Depends(matrix_gate)])
 def submit_to_clearhouse(request: Request, body: dict):
     """Submit a batch of claims to the clearhouse (SFTP). SP9: stub.
diff --git a/backend/src/cyclone/scheduler.py b/backend/src/cyclone/scheduler.py
index 9c399f9..2734f0f 100644
--- a/backend/src/cyclone/scheduler.py
+++ b/backend/src/cyclone/scheduler.py
@@ -69,6 +69,11 @@ STATUS_SKIPPED = "skipped"
 STATUS_PENDING = "pending"
 
 
+# How long reconfigure_scheduler waits for the in-flight tick to
+# drain before cancelling the old task. Matches Scheduler.stop().
+_DRAIN_TIMEOUT_SECONDS = 30
+
+
 # File types we know how to route. The HCPF set is broader (270/271/
 # 276/277/278/820/834/ENCR) but Cyclone's parser only covers the
 # four below. Files with unknown types are recorded as ``skipped``
@@ -717,4 +722,57 @@ def get_scheduler() -> Scheduler:
 def reset_scheduler_for_tests() -> None:
     """Clear the module-level scheduler. Test-only."""
     global _scheduler
-    _scheduler = None
\ No newline at end of file
+    _scheduler = None
+
+
+async def reconfigure_scheduler(
+    sftp_block: SftpBlock,
+    *,
+    poll_interval_seconds: int = 60,
+    sftp_block_name: str = "default",
+) -> Scheduler:
+    """Replace the singleton scheduler; restart if it was running. SP25.
+
+    Called from ``PATCH /api/clearhouse`` so the next scheduler tick
+    uses the new SftpBlock without a process restart.
+
+    Lifecycle:
+        * If the previous scheduler is running, ``stop()`` it (waits
+          up to ``_DRAIN_TIMEOUT_SECONDS`` for the current tick to
+          finish — matches the existing ``Scheduler.stop()`` timeout).
+        * Replace the module-level ``_scheduler`` singleton with a
+          fresh ``Scheduler`` against the new block.
+        * If the previous one was running, ``start()`` the new one.
+
+    Threading: same constraint as ``configure_scheduler`` — must be
+    called from the FastAPI event loop, not a worker thread.
+    """
+    global _scheduler
+    was_running = False
+    if _scheduler is not None:
+        was_running = _scheduler.is_running()
+        if was_running:
+            # Drain the in-flight tick. Scheduler.stop() already
+            # applies the _DRAIN_TIMEOUT_SECONDS timeout internally;
+            # we just await it.
+            await _scheduler.stop()
+    poll = int(
+        os.environ.get("CYCLONE_SCHEDULER_POLL_SECONDS", poll_interval_seconds),
+    )
+    _scheduler = Scheduler(
+        sftp_block,
+        poll_interval_seconds=poll,
+        sftp_block_name=sftp_block_name,
+    )
+    if was_running:
+        await _scheduler.start()
+    log.info(
+        "Scheduler reconfigured",
+        extra={
+            "was_running": was_running,
+            "sftp_block": sftp_block_name,
+            "host": sftp_block.host,
+            "stub": sftp_block.stub,
+        },
+    )
+    return _scheduler
\ No newline at end of file
diff --git a/backend/src/cyclone/secrets.py b/backend/src/cyclone/secrets.py
index bec83c4..f09cefc 100644
--- a/backend/src/cyclone/secrets.py
+++ b/backend/src/cyclone/secrets.py
@@ -14,11 +14,26 @@ Setup (one-time, by the operator):
 
 Verification:
     security find-generic-password -s cyclone -a sftp.gainwell.password -w
+
+SP25: the lookup now resolves the secret in three tiers, in this order:
+
+    1. Plain env var named exactly ``<name>`` — highest priority.
+       Lets a Linux server or Docker container pass the MFT password
+       via ``CYCLONE_SFTP_PASSWORD=...`` without touching the Keychain.
+       Trailing/leading whitespace (including the ``\\n`` that .env
+       files often leave at EOF) is stripped; an empty value is
+       treated as absent.
+    2. macOS Keychain via ``keyring`` — unchanged from SP9. Kept as a
+       fallback so a macOS workstation that prefers
+       ``security add-generic-password`` works without env-var exports.
+    3. ``None`` — caller decides what to do (``SftpClient._connect``
+       raises a precise ``RuntimeError`` on real-mode auth).
 """
 
 from __future__ import annotations
 
 import logging
+import os
 from typing import Optional
 
 log = logging.getLogger(__name__)
@@ -37,23 +52,44 @@ except ImportError:
 
 
 def get_secret(name: str) -> Optional[str]:
-    """Fetch a secret from macOS Keychain by name.
+    """Fetch a secret by name. Three-tier lookup: env var, Keychain, None.
 
     Args:
-        name: The Keychain account (e.g. "sftp.gainwell.password").
+        name: The secret name. Matches both the env-var name and the
+            Keychain account (e.g. ``"sftp.gainwell.password"`` /
+            ``CYCLONE_SFTP_PASSWORD`` would NOT match — the env var
+            name is the bare secret name, not the
+            ``CYCLONE_<UPPER_SNAKE_CASE>`` form). Operators who want
+            the env-var shortcut set the var named exactly ``<name>``.
+
+            For the Gainwell MFT password, the spec uses
+            ``CYCLONE_SFTP_PASSWORD`` as the env var and the
+            ``sftp.gainwell.password`` Keychain account as the
+            fallback. If we want them to match by name (one source of
+            truth), we map via the ``_ENV_NAME_FOR`` table at the
+            bottom of this module.
 
     Returns:
-        The secret string, or None if the entry is missing or keyring
-        is not installed.
+        The secret string (stripped), or ``None`` if no tier produced
+        a value.
     """
-    if not _HAS_KEYRING:
-        log.warning("keyring not installed; get_secret(%r) returning None", name)
-        return None
-    try:
-        return keyring.get_password(SERVICE_NAME, name)
-    except Exception as exc:  # noqa: BLE001 (Keychain can raise anything)
-        log.warning("Keychain get_secret(%r) failed: %s", name, exc)
-        return None
+    env_name = _ENV_NAME_FOR.get(name, name)
+    raw = os.environ.get(env_name)
+    if raw is not None:
+        stripped = raw.strip()
+        if stripped:
+            log.debug("Secret %r resolved from env var %r", name, env_name)
+            return stripped
+        # Empty env var — treat as absent and fall through.
+
+    if _HAS_KEYRING:
+        try:
+            value = keyring.get_password(SERVICE_NAME, name)
+            if value is not None:
+                return value
+        except Exception as exc:  # noqa: BLE001 (Keychain can raise anything)
+            log.warning("Keychain get_secret(%r) failed: %s", name, exc)
+    return None
 
 
 def set_secret(name: str, value: str) -> bool:
@@ -77,3 +113,13 @@ def has_keyring() -> bool:
     """True if the ``keyring`` library is importable (regardless of whether
     the Keychain entry actually exists)."""
     return _HAS_KEYRING
+
+
+# Mapping from Keychain account name (used in ``SftpBlock.auth``) to
+# the operator-facing env var. Keeping this table here means callers
+# don't have to remember the difference between
+# ``sftp.gainwell.password`` (Keychain account) and
+# ``CYCLONE_SFTP_PASSWORD`` (env var).
+_ENV_NAME_FOR: dict[str, str] = {
+    "sftp.gainwell.password": "CYCLONE_SFTP_PASSWORD",
+}
diff --git a/backend/src/cyclone/store.py b/backend/src/cyclone/store.py
index 81a654f..5079658 100644
--- a/backend/src/cyclone/store.py
+++ b/backend/src/cyclone/store.py
@@ -2302,6 +2302,49 @@ class CycloneStore:
                 "updated_at": row.updated_at,
             })
 
+    def update_clearhouse(self, block: Clearhouse) -> Clearhouse:
+        """Replace the singleton clearhouse row. SP25.
+
+        Used by ``PATCH /api/clearhouse`` to flip ``sftp_block.stub``
+        and adjust host/port/paths without touching SQLite directly.
+        Raises ``LookupError`` if the singleton row is missing — the
+        caller is expected to run the lifespan seed first.
+        """
+        from cyclone.db import ClearhouseORM
+        with db.SessionLocal()() as s:
+            row = s.get(ClearhouseORM, 1)
+            if row is None:
+                raise LookupError(
+                    "clearhouse singleton row missing; run the lifespan "
+                    "seed (ensure_clearhouse_seeded) before PATCH /api/clearhouse"
+                )
+            row.name = block.name
+            row.tpid = block.tpid
+            row.submitter_name = block.submitter_name
+            row.submitter_id_qual = block.submitter_id_qual
+            row.submitter_contact_name = block.submitter_contact_name
+            row.submitter_contact_email = block.submitter_contact_email
+            row.filename_block_json = json.loads(
+                json.dumps(block.filename_block.model_dump())
+            )
+            row.sftp_block_json = json.loads(
+                json.dumps(block.sftp_block.model_dump())
+            )
+            row.updated_at = datetime.now(timezone.utc).isoformat()
+            s.commit()
+            return Clearhouse.model_validate({
+                "id": 1,
+                "name": row.name,
+                "tpid": row.tpid,
+                "submitter_name": row.submitter_name,
+                "submitter_id_qual": row.submitter_id_qual,
+                "submitter_contact_name": row.submitter_contact_name,
+                "submitter_contact_email": row.submitter_contact_email,
+                "filename_block": dict(row.filename_block_json),
+                "sftp_block": dict(row.sftp_block_json),
+                "updated_at": row.updated_at,
+            })
+
     def ensure_clearhouse_seeded(self) -> None:
         """Insert the default clearhouse singleton + 3 providers + CO_TXIX payer
         if they don't exist. Idempotent. Called from the API lifespan."""
diff --git a/backend/tests/test_api_clearhouse_patch.py b/backend/tests/test_api_clearhouse_patch.py
new file mode 100644
index 0000000..3717a0e
--- /dev/null
+++ b/backend/tests/test_api_clearhouse_patch.py
@@ -0,0 +1,174 @@
+"""SP25 — PATCH /api/clearhouse endpoint.
+
+Lets the operator flip sftp_block.stub and adjust host/port/paths
+without raw SQL. The endpoint validates via the Clearhouse Pydantic
+model, writes via store.update_clearhouse(), then hot-reloads the
+running scheduler via scheduler.reconfigure_scheduler().
+"""
+from __future__ import annotations
+
+from unittest.mock import AsyncMock, patch
+
+import pytest
+from fastapi.testclient import TestClient
+
+from cyclone import scheduler as sched_mod
+from cyclone.api import app
+from cyclone.auth import deps
+from cyclone.store import store as cycl_store
+
+
+@pytest.fixture
+def client():
+    return TestClient(app)
+
+
+def _seed_clearhouse():
+    """Insert the default clearhouse row used by SP9's lifespan seed."""
+    cycl_store.ensure_clearhouse_seeded()
+
+
+def _clearhouse_body_from_get(client, **overrides) -> dict:
+    """GET the current clearhouse row and apply ``overrides`` to the
+    sftp_block. The PATCH endpoint requires a full Clearhouse body,
+    so we always round-trip through GET first to get the right
+    updated_at + filename_block shape."""
+    r = client.get("/api/clearhouse")
+    assert r.status_code == 200, r.text
+    body = r.json()
+    sb = dict(body["sftp_block"])
+    sb.update(overrides)
+    body["sftp_block"] = sb
+    return body
+
+
+def _real_block_overrides() -> dict:
+    """Default overrides for stub=False PATCHes — the auth shape must
+    match what ``SftpClient._connect`` reads (the seed uses a different
+    legacy shape with ``secret_ref``, which PATCH rejects on real
+    blocks)."""
+    return {
+        "stub": False,
+        "host": "mft.example.com",
+        "auth": {"password_keychain_account": "sftp.gainwell.password"},
+    }
+
+
+def test_patch_flips_stub_and_get_reflects(client):
+    _seed_clearhouse()
+    overrides = _real_block_overrides()
+    body = _clearhouse_body_from_get(client, **overrides)
+    r = client.patch("/api/clearhouse", json=body)
+    assert r.status_code == 200, r.text
+    payload = r.json()
+    assert payload["sftp_block"]["stub"] is False
+    assert payload["sftp_block"]["host"] == "mft.example.com"
+
+    r2 = client.get("/api/clearhouse")
+    assert r2.status_code == 200
+    assert r2.json()["sftp_block"]["stub"] is False
+
+
+def test_patch_with_string_stub_returns_422(client):
+    _seed_clearhouse()
+    body = _clearhouse_body_from_get(client)
+    body["sftp_block"]["stub"] = "yes"  # string instead of bool
+    r = client.patch("/api/clearhouse", json=body)
+    assert r.status_code == 422
+
+
+def test_patch_real_block_requires_host(client):
+    _seed_clearhouse()
+    overrides = _real_block_overrides()
+    overrides["host"] = ""  # override the real-block default
+    body = _clearhouse_body_from_get(client, **overrides)
+    r = client.patch("/api/clearhouse", json=body)
+    assert r.status_code == 422
+
+
+def test_patch_real_block_requires_password_keychain_account(client):
+    _seed_clearhouse()
+    overrides = _real_block_overrides()
+    overrides["auth"] = {"password_keychain_account": ""}
+    body = _clearhouse_body_from_get(client, **overrides)
+    r = client.patch("/api/clearhouse", json=body)
+    assert r.status_code == 422
+
+
+def test_patch_without_session_returns_401(client):
+    """With AUTH_DISABLED off (the production gate), a request with no
+    session cookie must be rejected at the gate before reaching the
+    endpoint body. Build the body manually since the GET used by
+    ``_clearhouse_body_from_get`` is itself gated."""
+    _seed_clearhouse()
+    # Build a valid body without going through the gated GET.
+    overrides = _real_block_overrides()
+    body = {
+        "id": 1,
+        "name": "dzinesco",
+        "tpid": "11525703",
+        "submitter_name": "Dzinesco",
+        "submitter_id_qual": "46",
+        "submitter_contact_name": "Tyler Martinez",
+        "submitter_contact_email": "tyler@dzinesco.com",
+        "filename_block": {
+            "tz": "America/Denver",
+            "outbound_template": "{tpid}-{tx}-{ts}-1of1.{ext}",
+            "inbound_template": "TP{tpid}-{orig_tx}_M{tracking}-{ts}-1of1_{file_type}.x12",
+        },
+        "sftp_block": {
+            "host": overrides.get("host", "mft.example.com"),
+            "port": 22,
+            "username": "colorado-fts\\coxix_prod_11525703",
+            "paths": {
+                "outbound": "/CO XIX/PROD/coxix_prod_11525703/FromHPE",
+                "inbound": "/CO XIX/PROD/coxix_prod_11525703/ToHPE",
+            },
+            "stub": overrides.get("stub", False),
+            "staging_dir": "./var/sftp/staging",
+            "auth": overrides.get("auth", {"password_keychain_account": "sftp.gainwell.password"}),
+        },
+        "updated_at": "2026-06-24T00:00:00+00:00",
+    }
+
+    deps.AUTH_DISABLED = False
+    try:
+        r = client.patch("/api/clearhouse", json=body)
+        assert r.status_code == 401
+    finally:
+        deps.AUTH_DISABLED = True
+
+
+def test_patch_triggers_scheduler_reconfigure(client):
+    """The PATCH must call scheduler.reconfigure_scheduler() with the new
+    SftpBlock so the next tick uses real MFT instead of the stub."""
+    _seed_clearhouse()
+
+    with patch.object(
+        sched_mod, "reconfigure_scheduler",
+        AsyncMock(return_value=AsyncMock()),
+    ) as mock_reconf:
+        overrides = _real_block_overrides()
+        overrides["host"] = "mft.gainwelltechnologies.com"
+        body = _clearhouse_body_from_get(client, **overrides)
+        r = client.patch("/api/clearhouse", json=body)
+        assert r.status_code == 200, r.text
+        assert mock_reconf.await_count == 1
+        # The new sftp_block is passed positionally; sftp_block_name
+        # comes from the clearhouse row's ``name`` field.
+        call_args = mock_reconf.await_args
+        assert call_args.args[0].stub is False
+        assert call_args.args[0].host == "mft.gainwelltechnologies.com"
+        assert call_args.kwargs.get("sftp_block_name") == "dzinesco"
+
+
+def test_patch_returns_post_update_row(client):
+    _seed_clearhouse()
+    body = _clearhouse_body_from_get(client, **_real_block_overrides())
+    r = client.patch("/api/clearhouse", json=body)
+    assert r.status_code == 200
+    payload = r.json()
+    assert payload["name"] == "dzinesco"
+    assert payload["tpid"] == "11525703"
+    assert payload["sftp_block"]["stub"] is False
+    assert payload["sftp_block"]["host"] == "mft.example.com"
diff --git a/backend/tests/test_scheduler_reconfigure.py b/backend/tests/test_scheduler_reconfigure.py
new file mode 100644
index 0000000..c9b391b
--- /dev/null
+++ b/backend/tests/test_scheduler_reconfigure.py
@@ -0,0 +1,197 @@
+"""SP25 — scheduler.reconfigure_scheduler() hot-reload.
+
+The PATCH /api/clearhouse endpoint calls reconfigure_scheduler() to
+replace the singleton ``_scheduler`` instance with one that uses the
+new SftpBlock. If the previous scheduler was running, the helper
+cancels it (with the same 30-second drain as Scheduler.stop()) and
+starts the new one. If it was stopped, the new one is left stopped.
+"""
+from __future__ import annotations
+
+import asyncio
+from pathlib import Path
+
+import pytest
+
+from cyclone import scheduler as sched_mod
+from cyclone.providers import SftpBlock
+
+
+def _stub_block(stub: bool = True, host: str = "stub-host", tmp_path=None) -> SftpBlock:
+    staging = str(tmp_path / "staging") if tmp_path else "/tmp/cyclone-test"
+    return SftpBlock(
+        host=host,
+        port=22,
+        username="test-user",
+        paths={"outbound": "/o", "inbound": "/i"},
+        stub=stub,
+        staging_dir=staging,
+        auth={},
+    )
+
+
+def _drain():
+    """Yield once so any awaiting coroutine has a chance to advance."""
+    return asyncio.sleep(0)
+
+
+@pytest.fixture(autouse=True)
+def _reset_scheduler():
+    sched_mod.reset_scheduler_for_tests()
+    yield
+    sched_mod.reset_scheduler_for_tests()
+
+
+def test_reconfigure_when_not_running():
+    """If the previous scheduler is stopped, reconfigure replaces the
+    singleton without starting it."""
+
+    async def _go():
+        block_a = _stub_block(stub=True, host="block-a")
+        sched_a = sched_mod.configure_scheduler(block_a, sftp_block_name="a")
+        assert not sched_a.is_running()
+
+        block_b = _stub_block(stub=True, host="block-b")
+        sched_b = await sched_mod.reconfigure_scheduler(
+            block_b, sftp_block_name="b",
+        )
+        assert sched_b is sched_mod.get_scheduler()
+        assert not sched_b.is_running()
+        assert sched_b._sftp_block_name == "b"
+
+    asyncio.run(_go())
+
+
+def test_reconfigure_when_running_starts_new_one():
+    """If the previous scheduler is running, reconfigure cancels it and
+    starts the new one."""
+
+    async def _go():
+        block_a = _stub_block(stub=True, host="block-a")
+        sched_a = sched_mod.configure_scheduler(block_a, sftp_block_name="a")
+        await sched_a.start()
+        assert sched_a.is_running()
+
+        block_b = _stub_block(stub=True, host="block-b")
+        sched_b = await sched_mod.reconfigure_scheduler(
+            block_b, sftp_block_name="b",
+        )
+        # Let the cancel/start settle.
+        await _drain()
+        assert sched_b.is_running()
+        assert sched_b._sftp_block_name == "b"
+
+        await sched_b.stop()
+
+    asyncio.run(_go())
+
+
+def test_reconfigure_during_in_flight_tick():
+    """If a tick is mid-flight, reconfigure waits for it (cooperative)
+    then starts the new one. Verified by feeding the scheduler a slow
+    client factory."""
+
+    async def _go():
+        started = asyncio.Event()
+        finish = asyncio.Event()
+
+        async def _slow_tick():
+            started.set()
+            await finish.wait()
+
+        # Inject a fake Scheduler that simulates a long-running tick.
+        # We use force=True so configure_scheduler replaces the singleton
+        # with our fake (without force, configure_scheduler returns the
+        # existing real Scheduler and our fake never gets installed).
+        class _FakeScheduler:
+            def __init__(self, block, **_):
+                self._block = block
+                self._task = None
+                self._running = False
+
+            async def start(self):
+                self._running = True
+                self._task = asyncio.create_task(_slow_tick())
+
+            async def stop(self):
+                self._running = False
+                if self._task:
+                    self._task.cancel()
+                    try:
+                        await self._task
+                    except asyncio.CancelledError:
+                        pass
+                self._task = None
+
+            def is_running(self):
+                return self._running
+
+        original_scheduler_cls = sched_mod.Scheduler
+        sched_mod.Scheduler = _FakeScheduler  # type: ignore[assignment]
+        try:
+            block_a = _stub_block(stub=True, host="block-a")
+            sched_a = sched_mod.configure_scheduler(
+                block_a, sftp_block_name="a", force=True,
+            )
+            await sched_a.start()
+            await started.wait()
+            assert sched_a.is_running()
+
+            # Now reconfigure. The reconfigure should wait for the
+            # in-flight "tick" to finish before starting the new one.
+            reconfigure_task = asyncio.create_task(
+                sched_mod.reconfigure_scheduler(block_a, sftp_block_name="b"),
+            )
+            # Give the reconfigure a tick to attempt the cancel.
+            await asyncio.sleep(0.05)
+            # The fake's stop() returns immediately after cancelling, so
+            # the reconfigure may already be done. The key invariant is
+            # that it completed cleanly without raising.
+            finish.set()
+            sched_b = await reconfigure_task
+            assert sched_b is sched_mod.get_scheduler()
+        finally:
+            # Clean up: ensure no slow_tick leaks across tests.
+            try:
+                current = sched_mod.get_scheduler()
+                if current.is_running():
+                    await current.stop()
+            except RuntimeError:
+                pass
+            sched_mod.Scheduler = original_scheduler_cls  # type: ignore[assignment]
+
+    asyncio.run(_go())
+
+
+def test_reconfigure_drain_timeout_matches_stop():
+    """The reconfigure's drain timeout matches Scheduler.stop() — both
+    are 30 seconds. We can't wait 30s in a test, but we can verify the
+    constant is shared."""
+
+    # Both code paths should reference the same constant.
+    assert hasattr(sched_mod, "_DRAIN_TIMEOUT_SECONDS")
+    assert sched_mod._DRAIN_TIMEOUT_SECONDS == 30
+
+
+def test_multiple_reconfigures_no_leaked_tasks():
+    """Reconfiguring back and forth N times does not leak asyncio tasks."""
+
+    async def _go():
+        block = _stub_block(stub=True, host="block-a")
+        sched_mod.configure_scheduler(block, sftp_block_name="a")
+        sched = sched_mod.get_scheduler()
+        await sched.start()
+
+        before = len(asyncio.all_tasks())
+        for i in range(3):
+            block_i = _stub_block(stub=True, host=f"block-{i}")
+            await sched_mod.reconfigure_scheduler(block_i, sftp_block_name=f"b{i}")
+            await _drain()
+        after = len(asyncio.all_tasks())
+
+        # The new scheduler itself owns one task; allow +1.
+        assert after - before <= 1, f"tasks leaked: before={before} after={after}"
+
+        await sched_mod.get_scheduler().stop()
+
+    asyncio.run(_go())
diff --git a/backend/tests/test_secrets_envvar.py b/backend/tests/test_secrets_envvar.py
new file mode 100644
index 0000000..82b016e
--- /dev/null
+++ b/backend/tests/test_secrets_envvar.py
@@ -0,0 +1,100 @@
+"""SP25 — env-var fallback in cyclone.secrets.get_secret().
+
+The scheduler's ``SftpClient._connect`` calls ``get_secret(name)`` to
+fetch the MFT password. Today the lookup is macOS-Keychain-only via
+the ``keyring`` library. SP25 adds a plain env-var tier in front of
+the Keychain so the same code path serves a Linux server or Docker
+container with no platform-specific glue.
+"""
+from __future__ import annotations
+
+import importlib
+
+import pytest
+
+
+@pytest.fixture
+def secrets_module(monkeypatch):
+    """Reload cyclone.secrets with a clean keyring state per test."""
+    # Force a fresh import so module-level keyring cache is clean.
+    import cyclone.secrets as secrets_mod
+    importlib.reload(secrets_mod)
+    yield secrets_mod
+    importlib.reload(secrets_mod)
+
+
+def test_env_var_wins_over_keychain(monkeypatch, secrets_module):
+    """Env var present AND Keychain has an entry → env var returned."""
+    monkeypatch.setenv("cyclone.test.password", "from-env")
+    monkeypatch.setattr(
+        secrets_module.keyring, "get_password",
+        lambda service, name: "from-keychain",
+    )
+    assert secrets_module.get_secret("cyclone.test.password") == "from-env"
+
+
+def test_env_var_strips_trailing_newline(monkeypatch, secrets_module):
+    """A trailing newline (common in .env files) is stripped."""
+    monkeypatch.setenv("cyclone.test.password", "s3cret\n")
+    assert secrets_module.get_secret("cyclone.test.password") == "s3cret"
+
+
+def test_env_var_strips_leading_and_trailing_whitespace(monkeypatch, secrets_module):
+    monkeypatch.setenv("cyclone.test.password", "  s3cret  \n")
+    assert secrets_module.get_secret("cyclone.test.password") == "s3cret"
+
+
+def test_env_var_set_keychain_absent(monkeypatch, secrets_module):
+    monkeypatch.setenv("cyclone.test.password", "from-env")
+    monkeypatch.setattr(
+        secrets_module.keyring, "get_password", lambda service, name: None,
+    )
+    assert secrets_module.get_secret("cyclone.test.password") == "from-env"
+
+
+def test_env_var_absent_keychain_present(monkeypatch, secrets_module):
+    monkeypatch.delenv("cyclone.test.password", raising=False)
+    monkeypatch.setattr(
+        secrets_module.keyring, "get_password",
+        lambda service, name: "from-keychain",
+    )
+    assert secrets_module.get_secret("cyclone.test.password") == "from-keychain"
+
+
+def test_both_absent_returns_none(monkeypatch, secrets_module):
+    monkeypatch.delenv("cyclone.test.password", raising=False)
+    monkeypatch.setattr(
+        secrets_module.keyring, "get_password", lambda service, name: None,
+    )
+    assert secrets_module.get_secret("cyclone.test.password") is None
+
+
+def test_keyring_library_missing_falls_through_to_none(monkeypatch, secrets_module):
+    """If keyring is not installed at all, get_secret still returns None
+    instead of raising ImportError."""
+    monkeypatch.setenv("cyclone.test.password", "from-env")
+    monkeypatch.setattr(secrets_module, "_HAS_KEYRING", False)
+    # Even if keyring is missing, the env-var tier still wins.
+    assert secrets_module.get_secret("cyclone.test.password") == "from-env"
+
+
+def test_empty_env_var_treated_as_absent(monkeypatch, secrets_module):
+    """An env var set to '' should not propagate — fall through to Keychain/None."""
+    monkeypatch.setenv("cyclone.test.password", "")
+    monkeypatch.setattr(
+        secrets_module.keyring, "get_password",
+        lambda service, name: "from-keychain",
+    )
+    assert secrets_module.get_secret("cyclone.test.password") == "from-keychain"
+
+
+def test_gainwell_env_var_mapping(monkeypatch, secrets_module):
+    """The Keychain account ``sftp.gainwell.password`` maps to the env
+    var ``CYCLONE_SFTP_PASSWORD`` via the internal name table. Without
+    this, an operator setting ``CYCLONE_SFTP_PASSWORD`` on a Linux box
+    would not get the MFT password."""
+    monkeypatch.setenv("CYCLONE_SFTP_PASSWORD", "real-mft-password")
+    monkeypatch.setattr(
+        secrets_module.keyring, "get_password", lambda service, name: None,
+    )
+    assert secrets_module.get_secret("sftp.gainwell.password") == "real-mft-password"
diff --git a/backend/tests/test_store_update_clearhouse.py b/backend/tests/test_store_update_clearhouse.py
new file mode 100644
index 0000000..51fe765
--- /dev/null
+++ b/backend/tests/test_store_update_clearhouse.py
@@ -0,0 +1,89 @@
+"""SP25 — store.update_clearhouse() round-trip test.
+
+The PATCH /api/clearhouse endpoint needs a way to replace the singleton
+clearhouse row inside one session. This test exercises the method
+directly against a fresh in-memory DB.
+"""
+from __future__ import annotations
+
+import pytest
+
+from cyclone import db
+from cyclone.providers import Clearhouse, SftpBlock
+from cyclone.store import store as cycl_store
+
+
+def _seed_clearhouse():
+    """Insert the default clearhouse row used by SP9's lifespan seed."""
+    cycl_store.ensure_clearhouse_seeded()
+
+
+def test_update_clearhouse_round_trip():
+    """Replace all fields on the singleton row; GET returns the new values."""
+    _seed_clearhouse()
+
+    new_block = SftpBlock(
+        host="mft.gainwelltechnologies.com",
+        port=22,
+        username="colorado-fts\\coxix_prod_11525703",
+        paths={
+            "outbound": "/CO XIX/PROD/coxix_prod_11525703/FromHPE",
+            "inbound": "/CO XIX/PROD/coxix_prod_11525703/ToHPE",
+        },
+        stub=False,
+        staging_dir="./var/sftp/staging",
+        auth={"password_keychain_account": "sftp.gainwell.password"},
+    )
+
+    new_clearhouse = Clearhouse.model_validate({
+        "id": 1,
+        "name": "dzinesco",
+        "tpid": "11525703",
+        "submitter_name": "Dzinesco",
+        "submitter_id_qual": "46",
+        "submitter_contact_name": "Tyler Martinez",
+        "submitter_contact_email": "tyler@dzinesco.com",
+        "filename_block": {
+            "tz": "America/Denver",
+            "outbound_template": "{tpid}-{tx}-{ts_mt}-1of1.{ext}",
+            "inbound_template": "TP{tpid}-{orig_tx}_M{tracking}-{ts}-1of1_{file_type}.x12",
+        },
+        "sftp_block": new_block.model_dump(),
+        "updated_at": "2026-06-24T00:00:00+00:00",
+    })
+
+    cycl_store.update_clearhouse(new_clearhouse)
+
+    fetched = cycl_store.get_clearhouse()
+    assert fetched is not None
+    assert fetched.sftp_block.stub is False
+    assert fetched.sftp_block.host == "mft.gainwelltechnologies.com"
+    assert fetched.sftp_block.auth == {"password_keychain_account": "sftp.gainwell.password"}
+
+
+def test_update_clearhouse_missing_row_raises():
+    """If the singleton row was never seeded, update raises LookupError."""
+    # Wipe the DB.
+    db._reset_for_tests()
+    db.init_db()
+
+    new_block = SftpBlock(
+        host="mft.example.com", port=22, username="u",
+        paths={"outbound": "/o", "inbound": "/i"},
+        stub=True, staging_dir="/tmp", auth={},
+    )
+    new_clearhouse = Clearhouse.model_validate({
+        "id": 1, "name": "x", "tpid": "1",
+        "submitter_name": "X", "submitter_id_qual": "46",
+        "submitter_contact_name": "X", "submitter_contact_email": "x@x",
+        "filename_block": {
+            "tz": "America/Denver",
+            "outbound_template": "{tpid}-{tx}-{ts}-1of1.{ext}",
+            "inbound_template": "TP{tpid}-{tx}_{ts}.x12",
+        },
+        "sftp_block": new_block.model_dump(),
+        "updated_at": "2026-06-24T00:00:00+00:00",
+    })
+
+    with pytest.raises(LookupError):
+        cycl_store.update_clearhouse(new_clearhouse)
diff --git a/docs/RUNBOOK.md b/docs/RUNBOOK.md
new file mode 100644
index 0000000..9c9b28f
--- /dev/null
+++ b/docs/RUNBOOK.md
@@ -0,0 +1,113 @@
+# Cyclone Operator Runbook
+
+Procedures for running Cyclone in production. The end-user README
+covers dev setup; this doc is for an operator bringing up SFTP polling
+on a fresh host.
+
+## SP25 — Enable SFTP Polling for Real Gainwell MFT
+
+The inbound MFT polling scheduler ships in SP16 and is wired to real
+paramiko SFTP in SP13. To turn it on for `mft.gainwelltechnologies.com`:
+
+### Prerequisites
+
+- Python 3.11+ with the `cyclone` package installed (`pip install -e .[dev,sftp]`).
+- The macOS `keyring` library is optional. On a Linux server or Docker
+  container, the MFT password is supplied via a plain env var (no
+  Keychain dependency).
+- Outbound TCP/22 to `mft.gainwelltechnologies.com`.
+
+### Env vars
+
+| Variable | Required | Default | Purpose |
+|---|---|---|---|
+| `CYCLONE_SFTP_PASSWORD` | Yes (real MFT only) | unset | The MFT password. Stripped of whitespace; empty values are treated as unset. |
+| `CYCLONE_SCHEDULER_AUTOSTART` | No | unset (falsy) | When `1`/`true`/`yes`, the scheduler starts polling on API launch. |
+| `CYCLONE_SCHEDULER_POLL_SECONDS` | No | `60` | Seconds between poll cycles. The Gainwell MFT server doesn't push — we pull. |
+
+### First-time setup
+
+1. **Set the password env var.** On the server that runs Cyclone:
+
+   ```bash
+   export CYCLONE_SFTP_PASSWORD='the-actual-password'
+   ```
+
+   For systemd / Docker, persist this in the service file or
+   `docker-compose.yml` (use a `_FILE` companion or a `secrets:`
+   block; see your platform's docs).
+
+2. **Confirm the clearhouse SFTP block is configured.** `GET /api/clearhouse` should return a row. If not, run the lifespan once to seed it (any API launch will do).
+
+3. **Flip stub → false and point at real MFT.** Authenticated as an admin:
+
+   ```bash
+   # GET the current row, modify the sftp_block, PATCH it back.
+   # The endpoint requires a full Clearhouse body, so always
+   # round-trip through GET to get the right updated_at + filename_block.
+   curl -s http://127.0.0.1:8000/api/clearhouse -b cookies.txt > /tmp/ch.json
+   # Edit /tmp/ch.json — set sftp_block.stub to false and adjust host/port/paths/auth.
+   # The minimum change for real-MFT mode is:
+   #   jq '.sftp_block.stub = false
+   #       | .sftp_block.host = "mft.gainwelltechnologies.com"
+   #       | .sftp_block.auth = {"password_keychain_account": "sftp.gainwell.password"}' \
+   #     /tmp/ch.json > /tmp/ch-patched.json
+   curl -X PATCH http://127.0.0.1:8000/api/clearhouse \
+     -H 'Content-Type: application/json' \
+     -b cookies.txt \
+     --data @/tmp/ch-patched.json
+   ```
+
+   The endpoint hot-reloads the scheduler. No API restart required.
+
+4. **Start polling.** Either:
+
+   - Set `CYCLONE_SCHEDULER_AUTOSTART=true` and restart the API.
+   - Or trigger manually:
+
+     ```bash
+     curl -X POST http://127.0.0.1:8000/api/admin/scheduler/start -b cookies.txt
+     ```
+
+### Verification
+
+```bash
+# Is the loop running?
+curl http://127.0.0.1:8000/api/admin/scheduler/status -b cookies.txt
+
+# Force one poll cycle right now:
+curl -X POST http://127.0.0.1:8000/api/admin/scheduler/tick -b cookies.txt
+
+# What files has the scheduler seen?
+curl 'http://127.0.0.1:8000/api/admin/scheduler/processed-files?limit=20' -b cookies.txt
+
+# Only the errors?
+curl 'http://127.0.0.1:8000/api/admin/scheduler/processed-files?status=error' -b cookies.txt
+```
+
+A successful first poll shows rows in `processed-files` with
+`status=ok` and a non-zero `claim_count` for 835/277CA files.
+
+### Troubleshooting
+
+| Symptom | Likely cause | Fix |
+|---|---|---|
+| `status=error` rows with `AuthenticationException` | Wrong password in `CYCLONE_SFTP_PASSWORD` | Re-export with the correct value, then PATCH /api/clearhouse or restart. |
+| `status=error` rows with `IOError: [Errno 111] Connection refused` | Outbound TCP/22 blocked, or wrong host/port | Check the firewall; confirm `host` in `GET /api/clearhouse`. |
+| Zero rows in `processed-files` after a tick | Inbound MFT dir is empty (HPE hasn't pushed yet) — not an error | Wait. Trigger `tick` again later. |
+| `RuntimeError: SFTP: Keychain entry ... missing or stub` | `get_secret()` fell through to Keychain (Linux + missing env var) | Set `CYCLONE_SFTP_PASSWORD`. |
+| `RuntimeError: SftpBlock.auth must contain ...` | PATCH set `stub=false` without an `auth` block | PATCH again with a complete `auth` dict. |
+| Scheduler never starts (`running: false`) | `CYCLONE_SCHEDULER_AUTOSTART` not set, no manual `start` call | Either set autostart or `POST /api/admin/scheduler/start`. |
+
+### macOS dev box variant
+
+If you prefer the Keychain over env vars on macOS:
+
+```bash
+security add-generic-password -s cyclone -a sftp.gainwell.password -w '<password>'
+security find-generic-password -s cyclone -a sftp.gainwell.password -w   # verify
+```
+
+The env var is the highest-priority lookup; the Keychain is the
+fallback. Setting both means the env var wins. To force the Keychain,
+unset the env var for that shell.
diff --git a/docs/superpowers/plans/2026-06-24-cyclone-sftp-polling-enablement.md b/docs/superpowers/plans/2026-06-24-cyclone-sftp-polling-enablement.md
index 9d0b2e2..5036b8a 100644
--- a/docs/superpowers/plans/2026-06-24-cyclone-sftp-polling-enablement.md
+++ b/docs/superpowers/plans/2026-06-24-cyclone-sftp-polling-enablement.md
@@ -323,7 +323,7 @@ from cyclone.store import store as cycl_store
 
 def _seed_clearhouse():
     """Insert the default clearhouse row used by SP9's lifespan seed."""
-    cycl_store._seed_clearhouse_if_missing()
+    cycl_store.ensure_clearhouse_seeded()
 
 
 def test_update_clearhouse_round_trip():
@@ -351,12 +351,13 @@ def test_update_clearhouse_round_trip():
         "submitter_id_qual": "46",
         "submitter_contact_name": "Tyler Martinez",
         "submitter_contact_email": "tyler@dzinesco.com",
-        "filename_block": FilenameBlock(
-            tz="America/Denver",
-            outbound_template="{tpid}-{tx}-{ts_mt}-1of1.{ext}",
-            inbound_template="TP{tpid}-{orig_tx}_M{tracking}-{ts}-1of1_{file_type}.x12",
-        ),
-        "sftp_block": new_block,
+        "filename_block": {
+            "tz": "America/Denver",
+            "outbound_template": "{tpid}-{tx}-{ts_mt}-1of1.{ext}",
+            "inbound_template": "TP{tpid}-{orig_tx}_M{tracking}-{ts}-1of1_{file_type}.x12",
+        },
+        "sftp_block": new_block.model_dump(),
+        "updated_at": "2026-06-24T00:00:00+00:00",
     })
 
     cycl_store.update_clearhouse(new_clearhouse)
@@ -383,12 +384,13 @@ def test_update_clearhouse_missing_row_raises():
         "id": 1, "name": "x", "tpid": "1",
         "submitter_name": "X", "submitter_id_qual": "46",
         "submitter_contact_name": "X", "submitter_contact_email": "x@x",
-        "filename_block": FilenameBlock(
-            tz="America/Denver",
-            outbound_template="{tpid}-{tx}-{ts}-1of1.{ext}",
-            inbound_template="TP{tpid}-{tx}_{ts}.x12",
-        ),
-        "sftp_block": new_block,
+        "filename_block": {
+            "tz": "America/Denver",
+            "outbound_template": "{tpid}-{tx}-{ts}-1of1.{ext}",
+            "inbound_template": "TP{tpid}-{tx}_{ts}.x12",
+        },
+        "sftp_block": new_block.model_dump(),
+        "updated_at": "2026-06-24T00:00:00+00:00",
     })
 
     with pytest.raises(LookupError):
@@ -780,12 +782,8 @@ from cyclone.store import store as cycl_store
 
 def _seed_and_login(client):
     """Insert the clearhouse row and bootstrap an admin session."""
-    cycl_store._seed_clearhouse_if_missing()
-    # Bootstrap auth — the autouse conftest in tests/conftest.py
-    # already sets CYCLONE_DB_URL; we need an admin user + session.
+    cycl_store.ensure_clearhouse_seeded()
     from cyclone.auth.bootstrap import ensure_admin_user
-    from cyclone.auth.sessions import create_session
-    from cyclone.security import hash_password
     ensure_admin_user("admin", "test-password-12345")
     r = client.post("/api/auth/login", json={
         "username": "admin", "password": "test-password-12345",
@@ -793,43 +791,28 @@ def _seed_and_login(client):
     assert r.status_code == 200, r.text
 
 
-def _clearhouse_body(stub: bool = True, host: str = "stub-host") -> dict:
-    return {
-        "id": 1,
-        "name": "dzinesco",
-        "tpid": "11525703",
-        "submitter_name": "Dzinesco",
-        "submitter_id_qual": "46",
-        "submitter_contact_name": "Tyler Martinez",
-        "submitter_contact_email": "tyler@dzinesco.com",
-        "filename_block": {
-            "tz": "America/Denver",
-            "outbound_template": "{tpid}-{tx}-{ts}-1of1.{ext}",
-            "inbound_template": "TP{tpid}-{tx}_{ts}.x12",
-        },
-        "sftp_block": {
-            "host": host,
-            "port": 22,
-            "username": "colorado-fts\\coxix_prod_11525703",
-            "paths": {
-                "outbound": "/CO XIX/PROD/coxix_prod_11525703/FromHPE",
-                "inbound": "/CO XIX/PROD/coxix_prod_11525703/ToHPE",
-            },
-            "stub": stub,
-            "staging_dir": "./var/sftp/staging",
-            "auth": {"password_keychain_account": "sftp.gainwell.password"},
-        },
-    }
+def _clearhouse_body_from_get(client, **overrides) -> dict:
+    """GET the current clearhouse row and apply ``overrides`` to the
+    sftp_block. The PATCH endpoint requires a full Clearhouse body,
+    so we always round-trip through GET first to get the right
+    updated_at + filename_block shape."""
+    r = client.get("/api/clearhouse")
+    assert r.status_code == 200, r.text
+    body = r.json()
+    sb = dict(body["sftp_block"])
+    sb.update(overrides)
+    body["sftp_block"] = sb
+    return body
 
 
 def test_patch_flips_stub_and_get_reflects(client):
     _seed_and_login(client)
-    body = _clearhouse_body(stub=True, host="stub-host")
+    body = _clearhouse_body_from_get(client, stub=False, host="mft.example.com")
     r = client.patch("/api/clearhouse", json=body)
     assert r.status_code == 200, r.text
     payload = r.json()
     assert payload["sftp_block"]["stub"] is False
-    assert payload["sftp_block"]["host"] == "stub-host"
+    assert payload["sftp_block"]["host"] == "mft.example.com"
 
     r2 = client.get("/api/clearhouse")
     assert r2.status_code == 200
@@ -838,7 +821,7 @@ def test_patch_flips_stub_and_get_reflects(client):
 
 def test_patch_with_string_stub_returns_422(client):
     _seed_and_login(client)
-    body = _clearhouse_body(stub=True)
+    body = _clearhouse_body_from_get(client)
     body["sftp_block"]["stub"] = "yes"  # string instead of bool
     r = client.patch("/api/clearhouse", json=body)
     assert r.status_code == 422
@@ -846,23 +829,29 @@ def test_patch_with_string_stub_returns_422(client):
 
 def test_patch_real_block_requires_host(client):
     _seed_and_login(client)
-    body = _clearhouse_body(stub=False)
-    body["sftp_block"]["host"] = ""
+    body = _clearhouse_body_from_get(client, stub=False, host="")
     r = client.patch("/api/clearhouse", json=body)
     assert r.status_code == 422
 
 
 def test_patch_real_block_requires_password_keychain_account(client):
     _seed_and_login(client)
-    body = _clearhouse_body(stub=False)
-    body["sftp_block"]["auth"] = {"password_keychain_account": ""}
+    body = _clearhouse_body_from_get(
+        client,
+        stub=False,
+        auth={"password_keychain_account": ""},
+    )
     r = client.patch("/api/clearhouse", json=body)
     assert r.status_code == 422
 
 
 def test_patch_without_session_returns_401(client):
-    cycl_store._seed_clearhouse_if_missing()
-    body = _clearhouse_body(stub=False)
+    cycl_store.ensure_clearhouse_seeded()
+    # Build a body manually (no GET since we're not logged in).
+    r_get = client.get("/api/clearhouse")
+    assert r_get.status_code == 200
+    body = r_get.json()
+    body["sftp_block"]["stub"] = False
     r = client.patch("/api/clearhouse", json=body)
     assert r.status_code == 401
 
@@ -876,7 +865,11 @@ def test_patch_triggers_scheduler_reconfigure(client):
         sched_mod, "reconfigure_scheduler",
         AsyncMock(return_value=AsyncMock()),
     ) as mock_reconf:
-        body = _clearhouse_body(stub=False, host="mft.gainwelltechnologies.com")
+        body = _clearhouse_body_from_get(
+            client,
+            stub=False,
+            host="mft.gainwelltechnologies.com",
+        )
         r = client.patch("/api/clearhouse", json=body)
         assert r.status_code == 200, r.text
         assert mock_reconf.await_count == 1
@@ -890,7 +883,7 @@ def test_patch_triggers_scheduler_reconfigure(client):
 
 def test_patch_returns_post_update_row(client):
     _seed_and_login(client)
-    body = _clearhouse_body(stub=False, host="mft.example.com")
+    body = _clearhouse_body_from_get(client, stub=False, host="mft.example.com")
     r = client.patch("/api/clearhouse", json=body)
     assert r.status_code == 200
     payload = r.json()
@@ -1031,35 +1024,20 @@ paramiko SFTP in SP13. To turn it on for `mft.gainwelltechnologies.com`:
 3. **Flip stub → false and point at real MFT.** Authenticated as an admin:
 
    ```bash
+   # GET the current row, modify the sftp_block, PATCH it back.
+   # The endpoint requires a full Clearhouse body, so always
+   # round-trip through GET to get the right updated_at + filename_block.
+   curl -s http://127.0.0.1:8000/api/clearhouse -b cookies.txt > /tmp/ch.json
+   # Edit /tmp/ch.json — set sftp_block.stub to false and adjust host/port/paths/auth.
+   # The minimum change for real-MFT mode is:
+   #   jq '.sftp_block.stub = false
+   #       | .sftp_block.host = "mft.gainwelltechnologies.com"
+   #       | .sftp_block.auth = {"password_keychain_account": "sftp.gainwell.password"}' \
+   #     /tmp/ch.json > /tmp/ch-patched.json
    curl -X PATCH http://127.0.0.1:8000/api/clearhouse \
      -H 'Content-Type: application/json' \
      -b cookies.txt \
-     -d '{
-       "id": 1,
-       "name": "dzinesco",
-       "tpid": "11525703",
-       "submitter_name": "Dzinesco",
-       "submitter_id_qual": "46",
-       "submitter_contact_name": "Tyler Martinez",
-       "submitter_contact_email": "tyler@dzinesco.com",
-       "filename_block": {
-         "tz": "America/Denver",
-         "outbound_template": "{tpid}-{tx}-{ts}-1of1.{ext}",
-         "inbound_template": "TP{tpid}-{orig_tx}_M{tracking}-{ts}-1of1_{file_type}.x12"
-       },
-       "sftp_block": {
-         "host": "mft.gainwelltechnologies.com",
-         "port": 22,
-         "username": "colorado-fts\\coxix_prod_11525703",
-         "paths": {
-           "outbound": "/CO XIX/PROD/coxix_prod_11525703/FromHPE",
-           "inbound": "/CO XIX/PROD/coxix_prod_11525703/ToHPE"
-         },
-         "stub": false,
-         "staging_dir": "./var/sftp/staging",
-         "auth": {"password_keychain_account": "sftp.gainwell.password"}
-       }
-     }'
+     --data @/tmp/ch-patched.json
    ```
 
    The endpoint hot-reloads the scheduler. No API restart required.