diff --git a/src/components/settings/__tests__/coach-entry-follows-capability.test.tsx b/src/components/settings/__tests__/coach-entry-follows-capability.test.tsx
new file mode 100644
index 000000000..c30b49e8c
--- /dev/null
+++ b/src/components/settings/__tests__/coach-entry-follows-capability.test.tsx
@@ -0,0 +1,89 @@
+/**
+ * Settings lists the Coach entry only while the Coach can answer, like the
+ * sidebar and the bottom bar, and Settings → AI then keeps the stored Coach
+ * memory in reach.
+ *
+ * Both used to read the raw module map, which answers the operator's switch
+ * and Hide Coach but not a missing provider or missing consent: the settings
+ * nav kept a Coach entry the sidebar had already dropped. The two now read
+ * the same map (`useNavModules`), so the memory's own entry and the fallback
+ * under Settings → AI cannot both go.
+ *
+ * The shell's module filter runs after hydration only, so `useMounted` is
+ * mocked to the hydrated answer.
+ */
+import { beforeEach, describe, expect, it, vi } from "vitest";
+import { renderToStaticMarkup } from "react-dom/server";
+
+const h = vi.hoisted(() => ({ coachAvailable: true }));
+
+vi.mock("next/navigation", () => ({
+  usePathname: () => "/settings/ai",
+  useRouter: () => ({ replace: () => {}, push: () => {} }),
+}));
+vi.mock("@/hooks/use-mounted", () => ({ useMounted: () => true }));
+vi.mock("@/hooks/use-auth", () => ({
+  useAuth: () => ({
+    user: { id: "u1", role: "USER", modules: { coach: true } },
+    isAuthenticated: true,
+    isLoading: false,
+    refetch: vi.fn(),
+  }),
+}));
+vi.mock("@/hooks/use-ai-capability", () => ({
+  useAiCapability: () => ({
+    available: h.coachAvailable,
+    reason: h.coachAvailable ? null : "no_provider",
+    onDeviceAllowed: true,
+  }),
+}));
+// Settings → AI's cards have their own suites; only the memory slot is
+// under test here.
+vi.mock("@/components/ai/ai-consent-request", () => ({
+  AiConsentRequest: () => null,
+}));
+vi.mock("@/components/settings/ai/ai-insights-card", () => ({
+  AiInsightsCard: () => null,
+}));
+vi.mock("@/components/settings/ai/operator-off-notice", () => ({
+  OperatorOffNotice: () => null,
+}));
+vi.mock("@/components/insights/ai-setup-hint", () => ({
+  AiSetupHint: () => null,
+}));
+vi.mock("@/components/settings/coach-memory-section", () => ({
+  StoredCoachMemory: () => <div data-slot="stored-coach-memory" />,
+}));
+
+import { I18nProvider } from "@/lib/i18n/context";
+import { AiSection } from "../ai-section";
+import { SettingsShell } from "../settings-shell";
+
+function render(node: React.ReactNode) {
+  return renderToStaticMarkup(
+    <I18nProvider initialLocale="en">{node}</I18nProvider>,
+  );
+}
+
+describe("the Coach entry in Settings", () => {
+  beforeEach(() => {
+    h.coachAvailable = true;
+  });
+
+  it("is listed while the Coach can answer, and the memory lives there", () => {
+    expect(render(<SettingsShell active="ai">body</SettingsShell>)).toContain(
+      'href="/settings/coach"',
+    );
+    expect(render(<AiSection />)).not.toContain(
+      'data-slot="stored-coach-memory"',
+    );
+  });
+
+  it("goes when the Coach cannot answer, and Settings → AI keeps the memory", () => {
+    h.coachAvailable = false;
+    expect(
+      render(<SettingsShell active="ai">body</SettingsShell>),
+    ).not.toContain('href="/settings/coach"');
+    expect(render(<AiSection />)).toContain('data-slot="stored-coach-memory"');
+  });
+});
diff --git a/src/components/settings/ai-section.tsx b/src/components/settings/ai-section.tsx
index 57ae0dd16..30de702d7 100644
--- a/src/components/settings/ai-section.tsx
+++ b/src/components/settings/ai-section.tsx
@@ -25,10 +25,12 @@ import { StoredCoachMemory } from "@/components/settings/coach-memory-section";
 import { AiSetupHint } from "@/components/insights/ai-setup-hint";
 import { useAuth } from "@/hooks/use-auth";
 import { useMounted } from "@/hooks/use-mounted";
+import { useNavModules } from "@/hooks/use-nav-modules";
 import { isSurfaceVisible } from "@/lib/modules/surface";
 
 export function AiSection() {
-  const { isAuthenticated, user } = useAuth();
+  const { isAuthenticated } = useAuth();
+  const navModules = useNavModules();
   // v1.16.6 — the auth query can resolve before this boundary
   // hydrates; every `disabled={!isAuthenticated}` binding in the child
   // cards would then disagree with the SSR HTML (React #418). Gate the
@@ -46,11 +48,9 @@ export function AiSection() {
   // nothing below reads as broken), and the one calm setup hint while no
   // provider is configured, or the consent question while the operator's
   // provider waits on it. Below it: what the Coach stored, while Settings →
-  // Coach is not reachable, so it can always be read and deleted.
-  const coachSettingsReachable = isSurfaceVisible(
-    "settings:coach",
-    user?.modules,
-  );
+  // Coach is not listed (the settings nav reads the same map), so it can
+  // always be read and deleted.
+  const coachSettingsReachable = isSurfaceVisible("settings:coach", navModules);
   return (
     <div className="space-y-6">
       <OperatorOffNotice />
diff --git a/src/components/settings/settings-shell.tsx b/src/components/settings/settings-shell.tsx
index 1ddee6b15..a2bcb5185 100644
--- a/src/components/settings/settings-shell.tsx
+++ b/src/components/settings/settings-shell.tsx
@@ -47,6 +47,7 @@ import { cn } from "@/lib/utils";
 import { PageHeader } from "@/components/ui/page-header";
 import { SUB_SHELL_GRID_FLOOR } from "@/components/layout/shell-metrics";
 import { useAuth } from "@/hooks/use-auth";
+import { useNavModules } from "@/hooks/use-nav-modules";
 import { useMounted } from "@/hooks/use-mounted";
 import { useTranslations } from "@/lib/i18n/context";
 import { isSurfaceVisible } from "@/lib/modules/surface";
@@ -366,8 +367,8 @@ export function SettingsShell({
   const activeSlug = deriveActiveSlug(pathname, active);
 
   // v1.18.0 — per-submodule entries are listed only when their module
-  // is enabled. Read from the resolved `useAuth().user.modules` map (the
-  // same map the Module hub, nav, and Insights pills gate off). Fail OPEN
+  // is enabled, from `useNavModules()` as in the sidebar (Coach follows its
+  // AI capability; Settings → AI then lists the stored memory). Fail OPEN
   // (`!== false`): a missing key, or a not-yet-resolved `/me` payload,
   // reads as enabled so an entry never silently disappears. A section's
   // owner comes from the surface map (`settings:<slug>`); sections with no
@@ -390,7 +391,7 @@ export function SettingsShell({
   // effect (which the lint rule flags as a cascading render), and no risk of
   // the two passes disagreeing.
   const hydrated = useMounted();
-  const modules = user?.modules;
+  const modules = useNavModules();
   const activeRecord = user?.accountAccess?.active ?? null;
   const allVisibleSections = SETTINGS_SECTIONS.filter(
     (section) =>