diff --git a/docs/AI-PAGE-INSIGHTS-SPEC.md b/docs/AI-PAGE-INSIGHTS-SPEC.md
index d14da36..a4f1173 100644
--- a/docs/AI-PAGE-INSIGHTS-SPEC.md
+++ b/docs/AI-PAGE-INSIGHTS-SPEC.md
@@ -4,9 +4,9 @@ Status: implemented platform contract; reviewed production calendar data must be
 
 ## Scope and authority
 
-The platform serves `overview`, `payments`, `fees`, `peers`, `transactions`, and `growth`. Transaction-detail pages are excluded. Merchant identity comes only from the authenticated session; the optional terminal must belong to that merchant. Every filter-driven analytics module uses the server-validated reporting period resolved for the visible analytics run, and that period enters its persisted scope and fingerprint. Table filters other than terminal and reporting period never enter the insight scope.
+The platform serves `overview`, `payments`, `fees`, `peers` (shown to merchants as `جایگاه رقابتی`), `transactions`, and `growth`. Transaction-detail pages are excluded. Merchant identity comes only from the authenticated session; the optional terminal must belong to that merchant. Every filter-driven analytics module uses the server-validated reporting period resolved for the visible analytics run, and that period enters its persisted scope and fingerprint. Table filters other than terminal and reporting period never enter the insight scope.
 
-PostgreSQL and Go own dates, aggregates, rankings, confidence, forecasts, calendar classifications, and freshness. Provider input may contain aggregate evidence IDs only. Raw payment rows, payer-card keys, session source keys, and unsuppressed peer values are forbidden.
+PostgreSQL and Go own dates, aggregates, rankings, confidence, forecasts, calendar classifications, and freshness. Provider input may contain aggregate evidence IDs only. Raw payment rows, payer-card keys, session source keys, and unsuppressed peer values are forbidden. For `peers`, the sanitized `peerComparison` evidence contains only suppression state/reason, cohort/session counts, and the eight approved metric medians, direction-aware percentiles, and directions; it never contains peer identities or individual values. The deterministic fallback identifies the strongest and weakest categories and recommends one action for the weakest category. Percentiles are calculated by a shared merchant-grain calculator with at least ten peers and one thousand combined peer sessions, excluding the active merchant.
 
 ## Time semantics
 
diff --git a/internal/analytics/service.go b/internal/analytics/service.go
index dae5836..513a94c 100644
--- a/internal/analytics/service.go
+++ b/internal/analytics/service.go
@@ -4,10 +4,10 @@ import (
 	"context"
 	"fmt"
 	"math"
-	"slices"
 	"sync"
 	"time"
 
+	"git.amiirkhl.ir/starcoach-hackathon/zarinpal-analytics-backend/internal/peercomparison"
 	"github.com/jackc/pgx/v5/pgxpool"
 )
 
@@ -135,21 +135,17 @@ func (s *Service) Start(ctx context.Context, merchantID int64, period Period, te
 			"reason": "TERMINAL_SCOPE_UNSUPPORTED", "eligiblePeerCount": 0, "combinedPeerSessionCount": 0,
 			"requiredPeerCount": 10, "requiredPeerSessionCount": 1000}
 	} else {
-		peerCount, peerSessions, err := s.peerEligibility(ctx, merchantID, period)
+		peerResult, err := s.peerComparison(ctx, merchantID, period)
 		if err != nil {
 			return Run{}, err
 		}
-		if peerCount < 10 || peerSessions < 1000 {
+		if peerResult.State != peercomparison.StateReady {
 			run.Sections["peerComparison"] = map[string]any{"sectionId": "peer_comparison", "state": "SUPPRESSED", "metadata": metadata,
-				"reason": "INSUFFICIENT_COHORT", "eligiblePeerCount": peerCount, "combinedPeerSessionCount": peerSessions,
+				"reason": peerResult.Reason, "eligiblePeerCount": peerResult.EligiblePeerCount, "combinedPeerSessionCount": peerResult.CombinedPeerSessions,
 				"requiredPeerCount": 10, "requiredPeerSessionCount": 1000}
 		} else {
-			peerMetrics, err := s.peerMetrics(ctx, merchantID, period)
-			if err != nil {
-				return Run{}, err
-			}
 			run.Sections["peerComparison"] = map[string]any{"sectionId": "peer_comparison", "state": "READY", "metadata": metadata,
-				"data": map[string]any{"eligiblePeerCount": peerCount, "combinedPeerSessionCount": peerSessions, "metrics": peerMetrics}}
+				"data": map[string]any{"eligiblePeerCount": peerResult.EligiblePeerCount, "combinedPeerSessionCount": peerResult.CombinedPeerSessions, "metrics": peerResult.Metrics}}
 		}
 	}
 	s.mu.Lock()
@@ -395,85 +391,33 @@ func statusTrendQuery(periodType string) (string, int) {
 	FROM buckets b LEFT JOIN scoped s USING(bucket_start) GROUP BY b.bucket_start ORDER BY b.bucket_start`, map[string]int{"WEEK": 7, "JALALI_MONTH": 31}[periodType]
 }
 
-func (s *Service) peerEligibility(ctx context.Context, merchantID int64, p Period) (int64, int64, error) {
-	var peers, sessions int64
-	err := s.pool.QueryRow(ctx, `SELECT count(distinct ps.merchant_id),count(*) FROM payment_sessions ps JOIN merchants m ON m.id=ps.merchant_id
-	 WHERE m.category_id=(SELECT category_id FROM merchants WHERE id=$1) AND ps.merchant_id<>$1 AND ps.created_at>=$2 AND ps.created_at<$3`, merchantID, p.StartAt, p.EndAt).Scan(&peers, &sessions)
-	if err != nil {
-		return 0, 0, fmt.Errorf("calculating peer eligibility: %w", err)
-	}
-	return peers, sessions, nil
-}
-
-type peerRow struct {
-	merchantID int64
-	values     [8]*float64
-}
-
-func (s *Service) peerMetrics(ctx context.Context, merchantID int64, p Period) ([]map[string]any, error) {
+func (s *Service) peerComparison(ctx context.Context, merchantID int64, p Period) (peercomparison.Result, error) {
 	query := `WITH session_stats AS (SELECT ps.merchant_id,ps.id,ps.status,ps.amount_rial,ps.fee_amount_rial,count(pa.id) attempts
 	 FROM payment_sessions ps LEFT JOIN payment_attempts pa ON pa.session_id=ps.id JOIN merchants m ON m.id=ps.merchant_id
 	 WHERE m.category_id=(SELECT category_id FROM merchants WHERE id=$1) AND ps.created_at>=$2 AND ps.created_at<$3 GROUP BY ps.id),
-	 aggregate AS (SELECT merchant_id,100.0*count(*) filter(where status in ('Paid','Verified'))/nullif(count(*),0) success,
+	 aggregate AS (SELECT merchant_id,count(*) session_count,100.0*count(*) filter(where status in ('Paid','Verified'))/nullif(count(*),0) success,
 	 100.0*count(*) filter(where status='Verified')/nullif(count(*) filter(where status in ('Paid','Verified')),0) verification,
 	 100.0*count(*) filter(where attempts>1 and status in ('Paid','Verified'))/nullif(count(*) filter(where attempts>1),0) recovery,
 	 100.0*sum(fee_amount_rial) filter(where status in ('Paid','Verified'))/nullif(sum(amount_rial) filter(where status in ('Paid','Verified')),0) fee FROM session_stats GROUP BY merchant_id),
 	 timing AS (SELECT ps.merchant_id,percentile_disc(.5) within group(order by pa.init_time_ms)::float8 ip50,percentile_disc(.95) within group(order by pa.init_time_ms)::float8 ip95,
 	 percentile_disc(.5) within group(order by pa.verify_time_ms)::float8 vp50,percentile_disc(.95) within group(order by pa.verify_time_ms)::float8 vp95
 	 FROM payment_sessions ps JOIN payment_attempts pa ON pa.session_id=ps.id JOIN merchants m ON m.id=ps.merchant_id WHERE m.category_id=(SELECT category_id FROM merchants WHERE id=$1) AND ps.created_at>=$2 AND ps.created_at<$3 GROUP BY ps.merchant_id)
-	 SELECT a.merchant_id,a.success::float8,a.verification::float8,a.recovery::float8,t.ip50,t.ip95,t.vp50,t.vp95,a.fee::float8 FROM aggregate a JOIN timing t USING(merchant_id)`
+	 SELECT a.merchant_id,a.session_count,a.success::float8,a.verification::float8,a.recovery::float8,t.ip50,t.ip95,t.vp50,t.vp95,a.fee::float8 FROM aggregate a LEFT JOIN timing t USING(merchant_id)`
 	rows, err := s.pool.Query(ctx, query, merchantID, p.StartAt, p.EndAt)
 	if err != nil {
-		return nil, fmt.Errorf("calculating peer metrics: %w", err)
+		return peercomparison.Result{}, fmt.Errorf("calculating peer metrics: %w", err)
 	}
 	defer rows.Close()
-	all := []peerRow{}
+	all := []peercomparison.MerchantValues{}
 	for rows.Next() {
-		var row peerRow
-		if err := rows.Scan(&row.merchantID, &row.values[0], &row.values[1], &row.values[2], &row.values[3], &row.values[4], &row.values[5], &row.values[6], &row.values[7]); err != nil {
-			return nil, fmt.Errorf("scanning peer metrics: %w", err)
+		var row peercomparison.MerchantValues
+		if err := rows.Scan(&row.MerchantID, &row.SessionCount, &row.Values[0], &row.Values[1], &row.Values[2], &row.Values[3], &row.Values[4], &row.Values[5], &row.Values[6], &row.Values[7]); err != nil {
+			return peercomparison.Result{}, fmt.Errorf("scanning peer metrics: %w", err)
 		}
 		all = append(all, row)
 	}
 	if err := rows.Err(); err != nil {
-		return nil, fmt.Errorf("iterating peer metrics: %w", err)
+		return peercomparison.Result{}, fmt.Errorf("iterating peer metrics: %w", err)
 	}
-	ids := []string{"payment_success_rate", "verification_completion_rate", "retry_recovery_rate", "init_time_ms_p50", "init_time_ms_p95", "verify_time_ms_p50", "verify_time_ms_p95", "paid_fee_rate"}
-	metrics := make([]map[string]any, 0, 8)
-	for index, id := range ids {
-		active := 0.0
-		peers := []float64{}
-		for _, row := range all {
-			if row.values[index] == nil {
-				continue
-			}
-			if row.merchantID == merchantID {
-				active = *row.values[index]
-			} else {
-				peers = append(peers, *row.values[index])
-			}
-		}
-		if len(peers) == 0 {
-			peers = append(peers, 0)
-		}
-		slices.Sort(peers)
-		median := peers[len(peers)/2]
-		if len(peers)%2 == 0 {
-			median = (peers[len(peers)/2-1] + median) / 2
-		}
-		lowerIsBetter := index >= 3
-		better := 0
-		for _, value := range peers {
-			if (!lowerIsBetter && active >= value) || (lowerIsBetter && active <= value) {
-				better++
-			}
-		}
-		percentile := float64(better) * 100 / float64(len(peers))
-		direction := "HIGHER_IS_BETTER"
-		if lowerIsBetter {
-			direction = "LOWER_IS_BETTER"
-		}
-		metrics = append(metrics, map[string]any{"metricId": id, "cohortMedian": fmt.Sprintf("%.2f", median), "merchantPerformancePercentile": fmt.Sprintf("%.2f", percentile), "direction": direction})
-	}
-	return metrics, nil
+	return peercomparison.Calculate(merchantID, false, all), nil
 }
diff --git a/internal/insight/avalai.go b/internal/insight/avalai.go
index 3b3cbee..0eca64c 100644
--- a/internal/insight/avalai.go
+++ b/internal/insight/avalai.go
@@ -4,10 +4,12 @@ import (
 	"context"
 	"encoding/json"
 	"errors"
+	"fmt"
 	"strings"
 	"unicode"
 
 	"git.amiirkhl.ir/starcoach-hackathon/zarinpal-analytics-backend/internal/aiprovider"
+	"git.amiirkhl.ir/starcoach-hackathon/zarinpal-analytics-backend/internal/peercomparison"
 )
 
 type AvalAIGenerator struct{ client *aiprovider.Client }
@@ -61,7 +63,7 @@ func (g *AvalAIGenerator) Generate(ctx context.Context, module Module, section S
 	if err := json.Unmarshal(raw, &generated); err != nil {
 		return Copy{}, providerUsage, errors.New("avalai: invalid page insight output")
 	}
-	copy, err := mergeGenerated(fallback, generated, periodContext.AllowedLabels)
+	copy, err := mergeGenerated(module, fallback, generated, periodContext.AllowedLabels, evidence)
 	return copy, providerUsage, err
 }
 
@@ -70,10 +72,13 @@ func insightInstructions(module Module) string {
 	if module == ModuleTransactions {
 		return base + " خلاصه باید دقیقاً وضعیت همان بازه انتخاب‌شده در صفحه تراکنش‌ها را توضیح دهد. Paid را پرداخت‌شده و در انتظار تأیید و Verified را تأیید نهایی بنامید؛ آن‌ها را با هم یا با Failed یکی نکنید. روند را توصیف کنید، اما برای تغییرها علت نسازید."
 	}
+	if module == ModulePeers {
+		return base + " برای جایگاه رقابتی، فقط از peerComparison استفاده کنید. وضعیت را میان کسب‌وکارهای مشابه و بر پایه داده‌های تجمیعی توضیح دهید، قوی‌ترین و ضعیف‌ترین دسته را مشخص کنید و برای ضعیف‌ترین دسته یک اقدام ساده پیشنهاد دهید. صدک‌ها و میانه‌ها را دقیقاً از شواهد کپی کنید و هیچ عدد تازه‌ای نسازید؛ از نام یا مقدار یک کسب‌وکار دیگر صحبت نکنید."
+	}
 	return base
 }
 
-func mergeGenerated(fallback Copy, generated generatedInsight, allowedPeriodLabels []string) (Copy, error) {
+func mergeGenerated(module Module, fallback Copy, generated generatedInsight, allowedPeriodLabels []string, evidence json.RawMessage) (Copy, error) {
 	known := map[string]struct{}{}
 	for _, id := range evidenceIDs(fallback) {
 		known[id] = struct{}{}
@@ -103,7 +108,11 @@ func mergeGenerated(fallback Copy, generated generatedInsight, allowedPeriodLabe
 		}
 	}
 	for _, text := range texts {
-		if strings.TrimSpace(text) == "" || len([]rune(text)) > 600 || containsUnexpectedDigit(text, allowedPeriodLabels) || !isPlainParagraph(text) {
+		unexpectedNumber := containsUnexpectedDigit(text, allowedPeriodLabels)
+		if module == ModulePeers {
+			unexpectedNumber = containsUnexpectedPeerNumber(text, allowedPeriodLabels, evidence)
+		}
+		if strings.TrimSpace(text) == "" || len([]rune(text)) > 600 || unexpectedNumber || !isPlainParagraph(text) {
 			return Copy{}, errors.New("avalai: unsafe page insight text")
 		}
 	}
@@ -132,6 +141,77 @@ func mergeGenerated(fallback Copy, generated generatedInsight, allowedPeriodLabe
 	return result, nil
 }
 
+func containsUnexpectedPeerNumber(value string, labels []string, evidence json.RawMessage) bool {
+	for _, label := range labels {
+		value = strings.ReplaceAll(value, label, "")
+	}
+	allowed := map[string]struct{}{}
+	var comparison peercomparison.Result
+	if json.Unmarshal(evidence, &struct {
+		Peer *peercomparison.Result `json:"peerComparison"`
+	}{Peer: &comparison}) == nil {
+		for _, metric := range comparison.Metrics {
+			for _, item := range []string{metric.CohortMedian, metric.MerchantPerformancePercentile} {
+				var number float64
+				if _, err := fmt.Sscanf(item, "%f", &number); err == nil {
+					allowed[fmt.Sprintf("%.2f", number)] = struct{}{}
+					allowed[fmt.Sprintf("%.0f", number)] = struct{}{}
+				}
+			}
+		}
+		allowed[fmt.Sprintf("%d", comparison.EligiblePeerCount)] = struct{}{}
+		allowed[fmt.Sprintf("%d", comparison.CombinedPeerSessions)] = struct{}{}
+	}
+	value = normalizeDigits(value)
+	for _, token := range numericTokens(value) {
+		if _, ok := allowed[token]; !ok {
+			return true
+		}
+	}
+	return false
+}
+
+func normalizeDigits(value string) string {
+	var builder strings.Builder
+	for _, r := range value {
+		switch {
+		case r >= '۰' && r <= '۹':
+			builder.WriteRune('0' + (r - '۰'))
+		case r >= '٠' && r <= '٩':
+			builder.WriteRune('0' + (r - '٠'))
+		case r == '٫':
+			builder.WriteByte('.')
+		case r == '٬':
+			// Persian thousands separators do not change the numeric token.
+		default:
+			builder.WriteRune(r)
+		}
+	}
+	return builder.String()
+}
+
+func numericTokens(value string) []string {
+	result := []string{}
+	start := -1
+	for index, r := range value {
+		isNumber := r >= '0' && r <= '9'
+		if r == '.' && start >= 0 {
+			continue
+		}
+		if isNumber && start < 0 {
+			start = index
+		}
+		if !isNumber && start >= 0 {
+			result = append(result, strings.TrimRight(value[start:index], "."))
+			start = -1
+		}
+	}
+	if start >= 0 {
+		result = append(result, strings.TrimRight(value[start:], "."))
+	}
+	return result
+}
+
 func hasExactPeriodReferences(generated generatedInsight, labels []string) bool {
 	if len(labels) < 2 {
 		return true
@@ -147,7 +227,7 @@ type generationPeriodContext struct {
 func periodGenerationContext(evidence json.RawMessage) generationPeriodContext {
 	var values struct {
 		ComparisonAvailable bool `json:"comparisonAvailable"`
-		SelectedPeriod struct {
+		SelectedPeriod      struct {
 			JalaliLabelFA string `json:"jalaliLabelFa"`
 		} `json:"selectedPeriod"`
 		PrecedingPeriod struct {
diff --git a/internal/insight/avalai_test.go b/internal/insight/avalai_test.go
index a65e6cc..6bcf189 100644
--- a/internal/insight/avalai_test.go
+++ b/internal/insight/avalai_test.go
@@ -1,8 +1,11 @@
 package insight
 
 import (
+	"encoding/json"
 	"strings"
 	"testing"
+
+	"git.amiirkhl.ir/starcoach-hackathon/zarinpal-analytics-backend/internal/peercomparison"
 )
 
 func TestGeneratedInsightTextMustBeOnePlainParagraph(t *testing.T) {
@@ -55,3 +58,32 @@ func TestGeneratedInsightMustNameSelectedAndPrecedingPeriods(t *testing.T) {
 		t.Fatal("generic period wording was accepted")
 	}
 }
+
+func TestPeerInsightAllowsOnlyGroundedAggregateNumbers(t *testing.T) {
+	evidence, err := json.Marshal(map[string]any{
+		"peerComparison": peercomparison.Result{
+			State:                peercomparison.StateReady,
+			EligiblePeerCount:    10,
+			CombinedPeerSessions: 1000,
+			Metrics: []peercomparison.Metric{{
+				MetricID:                      "payment_success_rate",
+				CohortMedian:                  "72.50",
+				MerchantPerformancePercentile: "85.00",
+				Direction:                     "HIGHER_IS_BETTER",
+			}},
+		},
+	})
+	if err != nil {
+		t.Fatalf("marshal evidence: %v", err)
+	}
+	labels := []string{"مرداد ۱۴۰۵"}
+	if containsUnexpectedPeerNumber("در مرداد ۱۴۰۵، جایگاه شما صدک ۸۵٫۰۰ است.", labels, evidence) {
+		t.Fatal("grounded Persian percentile was rejected")
+	}
+	if containsUnexpectedPeerNumber("این مقایسه بر پایه ۱٬۰۰۰ نشست است.", labels, evidence) {
+		t.Fatal("grounded Persian session count was rejected")
+	}
+	if !containsUnexpectedPeerNumber("جایگاه شما صدک ۹۱ است.", labels, evidence) {
+		t.Fatal("invented percentile was accepted")
+	}
+}
diff --git a/internal/insight/builder.go b/internal/insight/builder.go
index 315ef62..ee3cba2 100644
--- a/internal/insight/builder.go
+++ b/internal/insight/builder.go
@@ -7,14 +7,16 @@ import (
 	"fmt"
 	"math"
 	"sort"
+	"strconv"
 	"time"
 
 	"git.amiirkhl.ir/starcoach-hackathon/zarinpal-analytics-backend/internal/analytics"
+	"git.amiirkhl.ir/starcoach-hackathon/zarinpal-analytics-backend/internal/peercomparison"
 	"github.com/jackc/pgx/v5"
 	"github.com/jackc/pgx/v5/pgxpool"
 )
 
-const AnalyticsVersion = "2.0.0"
+const AnalyticsVersion = "2.1.0"
 
 type Analysis struct {
 	Time       TimeContext
@@ -99,6 +101,14 @@ func (b *PostgreSQLBuilder) build(ctx context.Context, merchantID int64, termina
 	if err != nil {
 		return Analysis{}, err
 	}
+	var peerResult *peercomparison.Result
+	if module == ModulePeers {
+		result, peerErr := b.peerComparison(ctx, merchantID, terminalID, period, dataThrough)
+		if peerErr != nil {
+			return Analysis{}, peerErr
+		}
+		peerResult = &result
+	}
 	confidence := ConfidenceMedium
 	if timeContext.Freshness == FreshnessStale {
 		confidence = ConfidenceLow
@@ -108,7 +118,7 @@ func (b *PostgreSQLBuilder) build(ctx context.Context, merchantID int64, termina
 		confidence = ConfidenceInsufficientData
 	}
 	evidenceMap := map[string]any{
-		"schemaVersion": "1.0.0", "module": module, "comparisonAvailable": comparisonAvailable,
+		"schemaVersion": "2.0.0", "module": module, "comparisonAvailable": comparisonAvailable,
 		"time": timeContext, "privacy": map[string]any{"aggregateOnly": true, "peerSuppressionApplied": module == ModulePeers},
 	}
 	precedingPeriodLabel := ""
@@ -124,6 +134,9 @@ func (b *PostgreSQLBuilder) build(ctx context.Context, merchantID int64, termina
 		evidenceMap["latest30Days"] = latest
 		evidenceMap["previousYearEquivalent"] = previous
 	}
+	if peerResult != nil {
+		evidenceMap["peerComparison"] = peerResult
+	}
 	if period != nil && module == ModuleTransactions {
 		evidenceMap["statusDistribution"] = map[string]any{
 			"total": latest.Sessions, "paidAwaitingVerification": latest.Unverified, "verified": latest.Verified, "failed": latest.Failed, "reversed": latest.Reversed,
@@ -151,9 +164,9 @@ func (b *PostgreSQLBuilder) build(ctx context.Context, merchantID int64, termina
 	if err != nil {
 		return Analysis{}, fmt.Errorf("encoding insight evidence: %w", err)
 	}
-	copy := deterministicCopy(module, latest, previous, comparisonAvailable, timeContext, confidence)
+	copy := deterministicCopy(module, latest, previous, comparisonAvailable, timeContext, confidence, peerResult)
 	if period != nil {
-		copy = deterministicPeriodCopy(module, *period, precedingPeriodLabel, latest, previous, comparisonAvailable, timeContext, confidence)
+		copy = deterministicPeriodCopy(module, *period, precedingPeriodLabel, latest, previous, comparisonAvailable, timeContext, confidence, peerResult)
 	}
 	return Analysis{Time: timeContext, Confidence: confidence, Evidence: encoded, Copy: copy, Calendar: calendar}, nil
 }
@@ -188,6 +201,59 @@ func (b *PostgreSQLBuilder) aggregateRange(ctx context.Context, merchantID int64
 	return value, nil
 }
 
+func (b *PostgreSQLBuilder) peerComparison(ctx context.Context, merchantID int64, terminalID string, period *PeriodScope, dataThrough time.Time) (peercomparison.Result, error) {
+	if terminalID != "" {
+		return peercomparison.Calculate(merchantID, true, nil), nil
+	}
+	start, end := dataThrough.AddDate(0, 0, -29), dataThrough.AddDate(0, 0, 1)
+	if period != nil {
+		start, end = period.StartAt, period.EndAt
+	}
+	query := `WITH session_stats AS (
+		SELECT ps.merchant_id,ps.id,ps.status,ps.amount_rial,ps.fee_amount_rial,count(pa.id) attempts
+		FROM payment_sessions ps LEFT JOIN payment_attempts pa ON pa.session_id=ps.id
+		JOIN merchants m ON m.id=ps.merchant_id
+		WHERE m.category_id=(SELECT category_id FROM merchants WHERE id=$1) AND ps.created_at >= $2 AND ps.created_at < $3
+		GROUP BY ps.id
+	), aggregate AS (
+		SELECT merchant_id,count(*) session_count,
+		100.0*count(*) FILTER(WHERE status IN ('Paid','Verified'))/nullif(count(*),0) success,
+		100.0*count(*) FILTER(WHERE status='Verified')/nullif(count(*) FILTER(WHERE status IN ('Paid','Verified')),0) verification,
+		100.0*count(*) FILTER(WHERE attempts>1 AND status IN ('Paid','Verified'))/nullif(count(*) FILTER(WHERE attempts>1),0) recovery,
+		100.0*sum(fee_amount_rial) FILTER(WHERE status IN ('Paid','Verified'))/nullif(sum(amount_rial) FILTER(WHERE status IN ('Paid','Verified')),0) fee
+		FROM session_stats GROUP BY merchant_id
+	), timing AS (
+		SELECT ps.merchant_id,
+		percentile_disc(.5) within group(order by pa.init_time_ms)::float8 ip50,
+		percentile_disc(.95) within group(order by pa.init_time_ms)::float8 ip95,
+		percentile_disc(.5) within group(order by pa.verify_time_ms)::float8 vp50,
+		percentile_disc(.95) within group(order by pa.verify_time_ms)::float8 vp95
+		FROM payment_sessions ps JOIN payment_attempts pa ON pa.session_id=ps.id JOIN merchants m ON m.id=ps.merchant_id
+		WHERE m.category_id=(SELECT category_id FROM merchants WHERE id=$1) AND ps.created_at >= $2 AND ps.created_at < $3
+		GROUP BY ps.merchant_id
+	)
+	SELECT a.merchant_id,a.session_count,a.success::float8,a.verification::float8,a.recovery::float8,
+		t.ip50,t.ip95,t.vp50,t.vp95,a.fee::float8
+	FROM aggregate a LEFT JOIN timing t USING(merchant_id)`
+	rows, err := b.pool.Query(ctx, query, merchantID, start, end)
+	if err != nil {
+		return peercomparison.Result{}, fmt.Errorf("loading peer insight evidence: %w", err)
+	}
+	defer rows.Close()
+	merchants := make([]peercomparison.MerchantValues, 0)
+	for rows.Next() {
+		var row peercomparison.MerchantValues
+		if err := rows.Scan(&row.MerchantID, &row.SessionCount, &row.Values[0], &row.Values[1], &row.Values[2], &row.Values[3], &row.Values[4], &row.Values[5], &row.Values[6], &row.Values[7]); err != nil {
+			return peercomparison.Result{}, fmt.Errorf("scanning peer insight evidence: %w", err)
+		}
+		merchants = append(merchants, row)
+	}
+	if err := rows.Err(); err != nil {
+		return peercomparison.Result{}, fmt.Errorf("iterating peer insight evidence: %w", err)
+	}
+	return peercomparison.Calculate(merchantID, false, merchants), nil
+}
+
 func ratio(numerator, denominator int64) any {
 	if denominator == 0 {
 		return nil
@@ -284,8 +350,11 @@ func horizon(module Module) int {
 	return 30
 }
 
-func deterministicCopy(module Module, latest, previous aggregate, comparison bool, tc TimeContext, confidence Confidence) Copy {
-	label := map[Module]string{ModuleOverview: "وضعیت کلی کسب‌وکار", ModulePayments: "عملکرد پرداخت", ModuleFees: "کارمزدها", ModulePeers: "مقایسه هم‌گروه", ModuleTransactions: "الگوی تراکنش‌ها", ModuleGrowth: "رشد"}[module]
+func deterministicCopy(module Module, latest, previous aggregate, comparison bool, tc TimeContext, confidence Confidence, peer ...*peercomparison.Result) Copy {
+	label := map[Module]string{ModuleOverview: "وضعیت کلی کسب‌وکار", ModulePayments: "عملکرد پرداخت", ModuleFees: "کارمزدها", ModulePeers: "جایگاه رقابتی", ModuleTransactions: "الگوی تراکنش‌ها", ModuleGrowth: "رشد"}[module]
+	if module == ModulePeers && len(peer) > 0 && peer[0] != nil {
+		return deterministicPeerCopy(peer[0], tc.DataThroughDate)
+	}
 	change := 0.0
 	if previous.Paid > 0 {
 		change = float64(latest.Paid-previous.Paid) / float64(previous.Paid) * 100
@@ -346,10 +415,13 @@ func deterministicTransactionCopy(period PeriodScope, precedingPeriodLabel strin
 	}
 }
 
-func deterministicPeriodCopy(module Module, period PeriodScope, precedingPeriodLabel string, latest, previous aggregate, comparison bool, tc TimeContext, confidence Confidence) Copy {
+func deterministicPeriodCopy(module Module, period PeriodScope, precedingPeriodLabel string, latest, previous aggregate, comparison bool, tc TimeContext, confidence Confidence, peer ...*peercomparison.Result) Copy {
 	if module == ModuleTransactions {
 		return deterministicTransactionCopy(period, precedingPeriodLabel, latest, previous, comparison, tc, confidence)
 	}
+	if module == ModulePeers && len(peer) > 0 && peer[0] != nil {
+		return deterministicPeerCopy(peer[0], period.JalaliLabelFA)
+	}
 
 	latestBody := fmt.Sprintf("در %s، %d تراکنش ثبت شد و %d پرداخت با موفقیت انجام شد.", period.JalaliLabelFA, latest.Sessions, latest.Paid)
 	switch module {
@@ -378,6 +450,56 @@ func deterministicPeriodCopy(module Module, period PeriodScope, precedingPeriodL
 	return copy
 }
 
+var peerMetricLabels = map[string]string{
+	"payment_success_rate": "موفقیت پرداخت", "verification_completion_rate": "تکمیل تأیید", "retry_recovery_rate": "بازیابی تلاش مجدد",
+	"init_time_ms_p50": "میانه زمان شروع", "init_time_ms_p95": "زمان شروع پرتکرار", "verify_time_ms_p50": "میانه زمان تأیید", "verify_time_ms_p95": "زمان تأیید پرتکرار", "paid_fee_rate": "نرخ کارمزد پرداخت موفق",
+}
+
+func deterministicPeerCopy(result *peercomparison.Result, periodLabel string) Copy {
+	if result.State != peercomparison.StateReady || len(result.Metrics) == 0 {
+		body := "برای مقایسه جایگاه رقابتی، هنوز دادهٔ تجمیعی کافی از کسب‌وکارهای مشابه وجود ندارد."
+		return Copy{Past: Narrative{Headline: "مقایسه با گروه مقایسه", Body: body, EvidenceID: []string{"peer-comparison"}}, LatestObserved: Narrative{Headline: "جایگاه رقابتی", Body: body, EvidenceID: []string{"peer-comparison"}}, Future7Days: Narrative{Headline: "برداشت کوتاه‌مدت", Body: body, EvidenceID: []string{"peer-comparison"}}, Future30Days: Narrative{Headline: "اقدام پیشنهادی", Body: "با تکمیل دادهٔ گروه مقایسه، این بخش جایگاه شما را دقیق‌تر توضیح می‌دهد.", EvidenceID: []string{"peer-comparison"}}, Findings: []Finding{{EvidenceID: "peer-comparison", Title: "دادهٔ مقایسه", Summary: body}}, Options: []Option{{Title: "بررسی دوباره", Description: "پس از تکمیل دادهٔ گروه مقایسه، این تحلیل را دوباره بررسی کنید.", EvidenceID: []string{"peer-comparison"}}}}
+	}
+	strongest, weakest := result.Metrics[0], result.Metrics[0]
+	total := 0.0
+	for _, metric := range result.Metrics {
+		value := parsePercent(metric.MerchantPerformancePercentile)
+		total += value
+		if value > parsePercent(strongest.MerchantPerformancePercentile) {
+			strongest = metric
+		}
+		if value < parsePercent(weakest.MerchantPerformancePercentile) {
+			weakest = metric
+		}
+	}
+	overall := total / float64(len(result.Metrics))
+	strongLabel, weakLabel := peerMetricLabels[strongest.MetricID], peerMetricLabels[weakest.MetricID]
+	if strongLabel == "" {
+		strongLabel = strongest.MetricID
+	}
+	if weakLabel == "" {
+		weakLabel = weakest.MetricID
+	}
+	periodPrefix := ""
+	if periodLabel != "" {
+		periodPrefix = fmt.Sprintf("در %s، ", periodLabel)
+	}
+	position := fmt.Sprintf("%sمیانگین جایگاه شما در هشت شاخص گروه مقایسه صدک %.2f است؛ صدک بالاتر یعنی عملکرد بهتر در این مقایسه.", periodPrefix, overall)
+	strongBody := fmt.Sprintf("قوی‌ترین دستهٔ شما «%s» با صدک %s است.", strongLabel, strongest.MerchantPerformancePercentile)
+	weakBody := fmt.Sprintf("ضعیف‌ترین دستهٔ شما «%s» با صدک %s است؛ بهبود همین دسته بیشترین فرصت رشد را دارد.", weakLabel, weakest.MerchantPerformancePercentile)
+	action := fmt.Sprintf("روند «%s» را در بازه‌های بعد بررسی کنید و برای بهبود آن یک اقدام مشخص در فرایند پرداخت تعریف کنید.", weakLabel)
+	latest := position + " " + strongBody + " " + weakBody
+	return Copy{Past: Narrative{Headline: "مقایسه با گروه مقایسه", Body: position, EvidenceID: []string{"peer-position"}}, LatestObserved: Narrative{Headline: "جایگاه رقابتی", Body: latest, EvidenceID: []string{"peer-position", "peer-strongest", "peer-weakest"}}, Future7Days: Narrative{Headline: "برداشت کوتاه‌مدت", Body: strongBody, EvidenceID: []string{"peer-strongest"}}, Future30Days: Narrative{Headline: "اقدام پیشنهادی", Body: action, EvidenceID: []string{"peer-weakest", "peer-action"}}, Findings: []Finding{{EvidenceID: "peer-position", Title: "جایگاه کلی", Summary: position, ScoreBPS: int(overall * 100), Confidence: ConfidenceMedium}, {EvidenceID: "peer-strongest", Title: "قوی‌ترین دسته", Summary: strongBody, ScoreBPS: int(parsePercent(strongest.MerchantPerformancePercentile) * 100), Confidence: ConfidenceMedium}, {EvidenceID: "peer-weakest", Title: "فرصت رشد", Summary: weakBody, ScoreBPS: int(parsePercent(weakest.MerchantPerformancePercentile) * 100), Confidence: ConfidenceMedium}}, Options: []Option{{Title: "تمرکز بر فرصت رشد", Description: action, EvidenceID: []string{"peer-weakest", "peer-action"}}}}
+}
+
+func parsePercent(value string) float64 {
+	result, err := strconv.ParseFloat(value, 64)
+	if err != nil {
+		return 0
+	}
+	return result
+}
+
 func score(impact int64, confidence Confidence) int {
 	base := int(math.Min(8000, math.Log10(float64(max(int64(1), impact))+1)*1200))
 	weight := map[Confidence]int{ConfidenceHigh: 10000, ConfidenceMedium: 7500, ConfidenceLow: 4500, ConfidenceInsufficientData: 2000}[confidence]
diff --git a/internal/insight/builder_transaction_test.go b/internal/insight/builder_transaction_test.go
index 1fefdb6..eab0ccb 100644
--- a/internal/insight/builder_transaction_test.go
+++ b/internal/insight/builder_transaction_test.go
@@ -3,6 +3,8 @@ package insight
 import (
 	"strings"
 	"testing"
+
+	"git.amiirkhl.ir/starcoach-hackathon/zarinpal-analytics-backend/internal/peercomparison"
 )
 
 func TestDeterministicTransactionCopyDistinguishesPaymentStatesWithoutCausalClaims(t *testing.T) {
@@ -27,6 +29,22 @@ func TestDeterministicTransactionCopyDistinguishesPaymentStatesWithoutCausalClai
 	}
 }
 
+func TestDeterministicPeerCopyNamesStrongestWeakestAndAction(t *testing.T) {
+	result := peercomparison.Result{State: peercomparison.StateReady, Metrics: []peercomparison.Metric{
+		{MetricID: "payment_success_rate", MerchantPerformancePercentile: "85.00"},
+		{MetricID: "verification_completion_rate", MerchantPerformancePercentile: "40.00"},
+	}}
+	copy := deterministicPeerCopy(&result, "مرداد ۱۴۰۵")
+	for _, expected := range []string{"مرداد ۱۴۰۵", "موفقیت پرداخت", "صدک 85.00", "تکمیل تأیید", "صدک 40.00"} {
+		if !strings.Contains(copy.LatestObserved.Body, expected) {
+			t.Fatalf("peer summary missing %q: %s", expected, copy.LatestObserved.Body)
+		}
+	}
+	if !strings.Contains(copy.Options[0].Description, "تکمیل تأیید") {
+		t.Fatalf("peer action did not target weakest category: %+v", copy.Options)
+	}
+}
+
 func TestDeterministicTransactionCopyHandlesEmptyPeriod(t *testing.T) {
 	copy := deterministicTransactionCopy(
 		PeriodScope{JalaliLabelFA: "امروز"},
diff --git a/internal/insight/model.go b/internal/insight/model.go
index ac28f07..b8d6211 100644
--- a/internal/insight/model.go
+++ b/internal/insight/model.go
@@ -10,7 +10,7 @@ type Module string
 
 type Section string
 
-const PageInsightVersion = "page_insight_v7"
+const PageInsightVersion = "page_insight_v8"
 
 const (
 	ModuleOverview     Module = "overview"
diff --git a/internal/insight/service.go b/internal/insight/service.go
index b60a3c2..f9666ca 100644
--- a/internal/insight/service.go
+++ b/internal/insight/service.go
@@ -151,7 +151,7 @@ func (s *Service) EnqueueAll(ctx context.Context, reason string) (int, error) {
 		return 0, err
 	}
 	timeContext := BuildTimeContext(s.now(), dataThrough)
-	modules := []Module{ModuleOverview, ModulePayments, ModuleFees, ModulePeers, ModuleGrowth}
+	modules := []Module{ModuleOverview, ModulePayments, ModuleFees, ModulePeers, ModuleTransactions, ModuleGrowth}
 	created := 0
 	for _, scope := range scopes {
 		for _, module := range modules {
diff --git a/internal/peercomparison/calculator.go b/internal/peercomparison/calculator.go
new file mode 100644
index 0000000..504cf4d
--- /dev/null
+++ b/internal/peercomparison/calculator.go
@@ -0,0 +1,139 @@
+// Package peercomparison contains the privacy-bounded, merchant-weighted
+// comparison calculation shared by analytics and page insights.
+package peercomparison
+
+import (
+	"fmt"
+	"sort"
+)
+
+const (
+	MinimumPeerCount    = 10
+	MinimumPeerSessions = 1000
+)
+
+type State string
+
+const (
+	StateReady      State = "READY"
+	StateSuppressed State = "SUPPRESSED"
+)
+
+type MetricDefinition struct {
+	ID            string
+	LowerIsBetter bool
+}
+
+var metricDefinitions = []MetricDefinition{
+	{ID: "payment_success_rate"},
+	{ID: "verification_completion_rate"},
+	{ID: "retry_recovery_rate"},
+	{ID: "init_time_ms_p50", LowerIsBetter: true},
+	{ID: "init_time_ms_p95", LowerIsBetter: true},
+	{ID: "verify_time_ms_p50", LowerIsBetter: true},
+	{ID: "verify_time_ms_p95", LowerIsBetter: true},
+	{ID: "paid_fee_rate", LowerIsBetter: true},
+}
+
+func MetricDefinitions() []MetricDefinition {
+	return append([]MetricDefinition(nil), metricDefinitions...)
+}
+
+// MerchantValues contains one aggregate value per merchant. It intentionally
+// carries no merchant data other than the internal id used to exclude the
+// active merchant and the session count used for suppression.
+type MerchantValues struct {
+	MerchantID   int64
+	SessionCount int64
+	Values       [8]*float64
+}
+
+type Metric struct {
+	MetricID                      string `json:"metricId"`
+	CohortMedian                  string `json:"cohortMedian"`
+	MerchantPerformancePercentile string `json:"merchantPerformancePercentile"`
+	Direction                     string `json:"direction"`
+}
+
+type Result struct {
+	State                State    `json:"state"`
+	Reason               string   `json:"reason,omitempty"`
+	EligiblePeerCount    int      `json:"eligiblePeerCount"`
+	CombinedPeerSessions int64    `json:"combinedPeerSessionCount"`
+	Metrics              []Metric `json:"metrics,omitempty"`
+}
+
+func Calculate(activeMerchantID int64, terminalScoped bool, merchants []MerchantValues) Result {
+	result := Result{State: StateSuppressed}
+	if terminalScoped {
+		result.Reason = "TERMINAL_SCOPE_UNSUPPORTED"
+		return result
+	}
+	var active *MerchantValues
+	peers := make([]MerchantValues, 0, len(merchants))
+	for index := range merchants {
+		merchant := merchants[index]
+		if merchant.MerchantID == activeMerchantID {
+			active = &merchants[index]
+			continue
+		}
+		peers = append(peers, merchant)
+		result.CombinedPeerSessions += merchant.SessionCount
+	}
+	result.EligiblePeerCount = len(peers)
+	if len(peers) < MinimumPeerCount || result.CombinedPeerSessions < MinimumPeerSessions {
+		result.Reason = "INSUFFICIENT_COHORT"
+		return result
+	}
+	if active == nil {
+		result.Reason = "INSUFFICIENT_COHORT"
+		return result
+	}
+
+	result.State = StateReady
+	result.Metrics = make([]Metric, 0, len(metricDefinitions))
+	for index, definition := range metricDefinitions {
+		activeValue := active.Values[index]
+		values := make([]float64, 0, len(peers))
+		for _, peer := range peers {
+			if peer.Values[index] != nil {
+				values = append(values, *peer.Values[index])
+			}
+		}
+		// Keep the public shape stable while making unavailable metric input
+		// explicit through the existing zero representation.
+		if len(values) == 0 || activeValue == nil {
+			result.Metrics = append(result.Metrics, Metric{MetricID: definition.ID, CohortMedian: "0.00", MerchantPerformancePercentile: "0.00", Direction: direction(definition)})
+			continue
+		}
+		sort.Float64s(values)
+		median := values[len(values)/2]
+		if len(values)%2 == 0 {
+			median = (values[len(values)/2-1] + median) / 2
+		}
+		below, equal := 0, 0
+		for _, value := range values {
+			if definition.LowerIsBetter {
+				if *activeValue < value {
+					below++
+				} else if *activeValue == value {
+					equal++
+				}
+			} else if *activeValue > value {
+				below++
+			} else if *activeValue == value {
+				equal++
+			}
+		}
+		percentileBPS := (2*below + equal) * 5000 / len(values)
+		result.Metrics = append(result.Metrics, Metric{MetricID: definition.ID, CohortMedian: fmt.Sprintf("%.2f", median), MerchantPerformancePercentile: fmt.Sprintf("%.2f", float64(percentileBPS)/100), Direction: direction(definition)})
+	}
+	return result
+}
+
+func direction(definition MetricDefinition) string {
+	if definition.LowerIsBetter {
+		return "LOWER_IS_BETTER"
+	}
+	return "HIGHER_IS_BETTER"
+}
diff --git a/internal/peercomparison/calculator_test.go b/internal/peercomparison/calculator_test.go
new file mode 100644
index 0000000..923c5b5
--- /dev/null
+++ b/internal/peercomparison/calculator_test.go
@@ -0,0 +1,76 @@
+package peercomparison
+
+import (
+	"encoding/json"
+	"strings"
+	"testing"
+)
+
+func pointer(value float64) *float64 { return &value }
+
+func TestCalculateAppliesPrivacyThresholdsAndExcludesActiveMerchant(t *testing.T) {
+	merchants := make([]MerchantValues, 0, 11)
+	merchants = append(merchants, MerchantValues{MerchantID: 70, SessionCount: 900, Values: [8]*float64{pointer(0)}})
+	for i := int64(1); i <= 10; i++ {
+		merchants = append(merchants, MerchantValues{MerchantID: i, SessionCount: 100, Values: [8]*float64{pointer(float64(i))}})
+	}
+	result := Calculate(70, false, merchants)
+	if result.State != StateReady || result.EligiblePeerCount != 10 || result.CombinedPeerSessions != 1000 {
+		t.Fatalf("unexpected ready result: %+v", result)
+	}
+	if result.Metrics[0].MerchantPerformancePercentile != "0.00" {
+		t.Fatalf("active merchant must be ranked below all peers: %+v", result.Metrics[0])
+	}
+	suppressed := Calculate(70, true, merchants)
+	if suppressed.State != StateSuppressed || suppressed.Reason != "TERMINAL_SCOPE_UNSUPPORTED" {
+		t.Fatalf("unexpected terminal result: %+v", suppressed)
+	}
+	insufficient := Calculate(70, false, merchants[:10])
+	if insufficient.State != StateSuppressed || insufficient.Reason != "INSUFFICIENT_COHORT" {
+		t.Fatalf("unexpected insufficient result: %+v", insufficient)
+	}
+}
+
+func TestCalculateUsesDirectionAwareMidRankAndStableMetricOrder(t *testing.T) {
+	merchants := make([]MerchantValues, 0, 11)
+	merchants = append(merchants, MerchantValues{MerchantID: 70, SessionCount: 1, Values: [8]*float64{pointer(5), pointer(5), pointer(5), pointer(5), pointer(5), pointer(5), pointer(5), pointer(5)}})
+	for i := int64(1); i <= 10; i++ {
+		value := float64(i)
+		merchants = append(merchants, MerchantValues{MerchantID: i, SessionCount: 100, Values: [8]*float64{pointer(value), pointer(value), pointer(value), pointer(value), pointer(value), pointer(value), pointer(value), pointer(value)}})
+	}
+	result := Calculate(70, false, merchants)
+	if len(result.Metrics) != 8 || result.Metrics[0].MetricID != "payment_success_rate" || result.Metrics[7].MetricID != "paid_fee_rate" {
+		t.Fatalf("unexpected metric order: %+v", result.Metrics)
+	}
+	if result.Metrics[0].MerchantPerformancePercentile != "45.00" {
+		t.Fatalf("higher-is-better midrank = %s, want 45.00", result.Metrics[0].MerchantPerformancePercentile)
+	}
+	if result.Metrics[3].MerchantPerformancePercentile != "55.00" || result.Metrics[3].Direction != "LOWER_IS_BETTER" {
+		t.Fatalf("lower-is-better direction/percentile = %+v", result.Metrics[3])
+	}
+}
+
+func TestCalculateKeepsPeerIdentitiesOutOfSerializedResult(t *testing.T) {
+	merchants := []MerchantValues{{MerchantID: 987654321, Values: [8]*float64{pointer(5)}}}
+	for i := int64(1); i <= 10; i++ {
+		merchants = append(merchants, MerchantValues{
+			MerchantID:   1000 + i,
+			SessionCount: 100,
+			Values:       [8]*float64{pointer(5)},
+		})
+	}
+	result := Calculate(987654321, false, merchants)
+	encoded, err := json.Marshal(result)
+	if err != nil {
+		t.Fatalf("marshal result: %v", err)
+	}
+	text := string(encoded)
+	for _, forbidden := range []string{"merchantId", "987654321", "1001"} {
+		if strings.Contains(text, forbidden) {
+			t.Fatalf("serialized peer result exposed %q: %s", forbidden, text)
+		}
+	}
+	if result.Metrics[0].MerchantPerformancePercentile != "50.00" {
+		t.Fatalf("all-tie percentile = %s, want 50.00", result.Metrics[0].MerchantPerformancePercentile)
+	}
+}