diff --git a/src/components/insights/__tests__/prose-blocks.test.tsx b/src/components/insights/__tests__/prose-blocks.test.tsx
new file mode 100644
index 000000000..65c20860d
--- /dev/null
+++ b/src/components/insights/__tests__/prose-blocks.test.tsx
@@ -0,0 +1,130 @@
+import { describe, it, expect } from "vitest";
+import { renderToStaticMarkup } from "react-dom/server";
+
+import { I18nProvider } from "@/lib/i18n/context";
+import {
+  ProseBlocks,
+  splitParagraphs,
+} from "@/components/insights/prose-blocks";
+import {
+  StreamedProse,
+  splitProseSegments,
+} from "@/components/insights/coach-panel/streamed-prose";
+
+function render(node: React.ReactNode) {
+  return renderToStaticMarkup(
+    <I18nProvider initialLocale="en">{node}</I18nProvider>,
+  );
+}
+
+describe("splitParagraphs", () => {
+  it("splits on blank lines and trims, dropping empties", () => {
+    expect(splitParagraphs("one\n\ntwo")).toEqual(["one", "two"]);
+    expect(splitParagraphs("  a  \n\n\n  b  ")).toEqual(["a", "b"]);
+    expect(splitParagraphs("solo")).toEqual(["solo"]);
+    expect(splitParagraphs("\n\n  \n\n")).toEqual([]);
+  });
+
+  it("keeps a single newline inside one paragraph", () => {
+    expect(splitParagraphs("line1\nline2")).toEqual(["line1\nline2"]);
+  });
+});
+
+describe("ProseBlocks", () => {
+  it("renders blank-line-separated text as real <p> blocks", () => {
+    const html = render(<ProseBlocks text={"First idea.\n\nSecond idea."} />);
+    const paras = (html.match(/<p\b/g) ?? []).length;
+    expect(paras).toBe(2);
+    expect(html).toContain("First idea.");
+    expect(html).toContain("Second idea.");
+  });
+
+  it("turns a single newline into a <br/>", () => {
+    const html = render(<ProseBlocks text={"line a\nline b"} />);
+    expect(html).toContain("<br/>");
+    expect((html.match(/<p\b/g) ?? []).length).toBe(1);
+  });
+
+  it("strips stray chart tokens from the prose by default", () => {
+    const html = render(
+      <ProseBlocks text={"Your weight metric:WEIGHT held."} />,
+    );
+    expect(html).not.toContain("metric:WEIGHT");
+    expect(html).toContain("Your weight");
+  });
+
+  it("linkifies a catalog-known /learn/<slug> reference as a safe anchor", () => {
+    const html = render(
+      <ProseBlocks
+        text={"More on this: https://healthlog.dev/learn/resting-heart-rate"}
+      />,
+    );
+    expect(html).toContain('data-slot="inline-learn-link"');
+    expect(html).toContain("/learn/resting-heart-rate");
+    expect(html).toContain('target="_blank"');
+    expect(html).toContain('rel="noopener noreferrer"');
+  });
+
+  it("leaves an unknown /learn slug as plain text (fail-closed)", () => {
+    const html = render(
+      <ProseBlocks text={"see https://healthlog.dev/learn/totally-made-up"} />,
+    );
+    expect(html).not.toContain('data-slot="inline-learn-link"');
+    expect(html).toContain("/learn/totally-made-up");
+  });
+
+  it("does not strip or linkify when both are disabled (user text)", () => {
+    const html = render(
+      <ProseBlocks
+        text={"keep metric:WEIGHT and /learn/resting-heart-rate verbatim"}
+        strip={false}
+        linkify={false}
+      />,
+    );
+    expect(html).toContain("metric:WEIGHT");
+    expect(html).not.toContain('data-slot="inline-learn-link"');
+  });
+});
+
+describe("StreamedProse", () => {
+  it("settles to real paragraph blocks when not streaming", () => {
+    const html = render(
+      <StreamedProse
+        content={"Where things stand.\n\nOne thing to try."}
+        streaming={false}
+      />,
+    );
+    expect((html.match(/<p\b/g) ?? []).length).toBe(2);
+    expect(html).toContain("Where things stand.");
+    expect(html).toContain("One thing to try.");
+  });
+
+  it("animates only the growing tail paragraph while streaming", () => {
+    const html = render(
+      <StreamedProse
+        content={"Settled paragraph.\n\nGrowing tail words"}
+        streaming
+      />,
+    );
+    // The completed first paragraph settles as plain text (no spans).
+    expect(html).toContain("Settled paragraph.");
+    // The tail renders each word in its own fade-in span.
+    for (const word of ["Growing ", "tail ", "words"]) {
+      expect(html).toContain(`>${word}</span>`);
+    }
+  });
+
+  it("does not leak a chart token into streamed prose", () => {
+    const html = render(
+      <StreamedProse content={"Trending up metric:WEIGHT"} streaming />,
+    );
+    expect(html).not.toContain("metric:WEIGHT");
+  });
+});
+
+describe("splitProseSegments", () => {
+  it("keeps each word with its trailing whitespace", () => {
+    expect(splitProseSegments("a b c")).toEqual(["a ", "b ", "c"]);
+    expect(splitProseSegments("")).toEqual([]);
+  });
+});
diff --git a/src/components/insights/coach-panel/streamed-prose.tsx b/src/components/insights/coach-panel/streamed-prose.tsx
index 370d70a43..7b41f4df0 100644
--- a/src/components/insights/coach-panel/streamed-prose.tsx
+++ b/src/components/insights/coach-panel/streamed-prose.tsx
@@ -4,22 +4,37 @@ import { useMemo } from "react";
 
 import { cn } from "@/lib/utils";
 import { stripChartTokens } from "@/lib/insights/chart-tokens";
+import {
+  ProseBlocks,
+  ParagraphText,
+  splitParagraphs,
+  PROSE_PARAGRAPH_CLASS,
+} from "@/components/insights/prose-blocks";
 
 /**
  * v1.18.9 — Claude-style word-by-word fade-in for the LIVE Coach turn.
  *
  * The provider clients return the whole reply in one shot; the chat route
  * re-chunks it into per-word `token` SSE frames (`tokeniseForStreaming`),
- * so `content` grows as frames land. This component renders each
- * whitespace segment as its own `<span>` that fades + drifts up on mount,
- * giving the reply a "thinking out loud" cadence rather than a hard dump
- * of word groups. Once the turn settles (`streaming === false`) the spans
- * collapse to a single plain-text node — zero residual animation DOM, and
- * the feedback / evidence layout underneath stays stable.
+ * so `content` grows as frames land. While the turn is streaming each
+ * whitespace segment of the GROWING tail renders as its own `<span>` that
+ * fades + drifts up on mount, giving the reply a "thinking out loud"
+ * cadence rather than a hard dump of word groups.
  *
- * Why no "only animate the new words" bookkeeping: each segment is keyed
- * by its index, so when a fresh SSE frame appends words, React keeps the
- * already-mounted spans (their CSS entrance already ran and does not
+ * v1.22 (W5) — paragraph-aware + SSE-safe. The reply now renders as real
+ * `<p>` blocks (shared `ProseBlocks`), so a model that emits blank-line
+ * paragraph breaks reads as paragraphs, not one run-on block — consistent
+ * with the daily briefing + insight cards. Under streaming, every COMPLETE
+ * paragraph settles immediately (plain text, with the safe Learn linkifier)
+ * and only the LAST, still-growing paragraph animates word-by-word. When a
+ * fresh `\n\n` arrives the tail becomes a completed paragraph and stops
+ * animating; the already-settled paragraphs keep their index keys and never
+ * replay. Once the whole turn settles (`streaming === false`) it collapses
+ * to the same `ProseBlocks` render the persisted history uses.
+ *
+ * Why no "only animate the new words" bookkeeping: each tail segment is
+ * keyed by its index, so when a fresh SSE frame appends words React keeps
+ * the already-mounted spans (their CSS entrance already ran and does not
  * replay on reconcile) and only MOUNTS the new trailing spans — which is
  * exactly when the `animate-in` entrance fires. The browser does the
  * "new words only" gating for us; no render-time ref is needed.
@@ -30,8 +45,8 @@ import { stripChartTokens } from "@/lib/insights/chart-tokens";
  * attributes are already permitted under the strict CSP
  * (`style-src 'self' 'unsafe-inline'`); there is no runtime-injected
  * `<style>` tag, no `dangerouslySetInnerHTML`, and no markdown library —
- * the text renders as plain React children, the XSS-safe path the rest of
- * the Coach uses.
+ * the text renders as plain React children (with a closed-set Learn
+ * linkifier), the XSS-safe path the rest of the Coach uses.
  *
  * `prefers-reduced-motion`: the animation classes are `motion-safe:`
  * gated, so reduced-motion users get the words instantly with no fade and
@@ -42,7 +57,7 @@ export interface StreamedProseProps {
   content: string;
   /**
    * True while the turn is still streaming. When false the prose renders
-   * settled as one plain-text node (persisted history + finished turns).
+   * settled as real paragraph blocks (persisted history + finished turns).
    */
   streaming: boolean;
 }
@@ -57,40 +72,64 @@ export function splitProseSegments(text: string): string[] {
 }
 
 export function StreamedProse({ content, streaming }: StreamedProseProps) {
-  const clean = stripChartTokens(content);
-  const segments = useMemo(
-    () => (streaming ? splitProseSegments(clean) : []),
-    [streaming, clean],
+  // Split paragraphs on the RAW text — `stripChartTokens` normalises
+  // whitespace (collapsing the `\n\n` breaks), so it must run per line
+  // inside the renderers, never on the whole string before the split.
+  const paras = useMemo(
+    () => (streaming ? splitParagraphs(content) : []),
+    [streaming, content],
   );
 
   if (!streaming) {
-    // Settled turn: one plain text node, no spans, no animation.
-    return <>{clean}</>;
+    // Settled turn: real <p> blocks + per-line token strip + the safe Learn
+    // linkifier, the same render the persisted history uses.
+    return <ProseBlocks text={content} />;
   }
 
+  if (paras.length === 0) return null;
+
+  const tail = paras[paras.length - 1];
+  const settled = paras.slice(0, -1);
+  // The growing tail animates word-by-word; strip its tokens here so a
+  // mid-stream `metric:<TYPE>` leak never flashes into the prose.
+  const tailSegments = splitProseSegments(stripChartTokens(tail));
+
   return (
     <>
-      {segments.map((segment, index) => (
-        // New trailing spans mount + animate; already-mounted spans keep
-        // their stable index key and do not replay the entrance.
-        <span
-          key={index}
-          className={cn(
-            "motion-safe:animate-in motion-safe:fade-in-0",
-            "motion-safe:slide-in-from-bottom-1",
-          )}
-          style={{
-            animationDuration: "340ms",
-            // A gentle, capped stagger keyed off the in-batch position so a
-            // burst of words reads as a soft cascade rather than a single
-            // flash, without lagging on a long frame.
-            animationDelay: `${(index % 6) * 26}ms`,
-            animationFillMode: "both",
-          }}
-        >
-          {segment}
-        </span>
+      {/* Completed paragraphs settle immediately — plain text + linkifier,
+          identical to the non-streaming render so nothing reflows when the
+          turn finishes. */}
+      {settled.map((p, i) => (
+        <p key={i} className={cn(PROSE_PARAGRAPH_CLASS)}>
+          <ParagraphText text={p} strip />
+        </p>
       ))}
+      {/* The growing tail paragraph: word-by-word fade. No linkify here —
+          a half-arrived URL must not flicker into a link mid-stream; it
+          settles (and linkifies) once the turn finishes. */}
+      <p key={settled.length} className={cn(PROSE_PARAGRAPH_CLASS)}>
+        {tailSegments.map((segment, index) => (
+          // New trailing spans mount + animate; already-mounted spans keep
+          // their stable index key and do not replay the entrance.
+          <span
+            key={index}
+            className={cn(
+              "motion-safe:animate-in motion-safe:fade-in-0",
+              "motion-safe:slide-in-from-bottom-1",
+            )}
+            style={{
+              animationDuration: "340ms",
+              // A gentle, capped stagger keyed off the in-batch position so a
+              // burst of words reads as a soft cascade rather than a single
+              // flash, without lagging on a long frame.
+              animationDelay: `${(index % 6) * 26}ms`,
+              animationFillMode: "both",
+            }}
+          >
+            {segment}
+          </span>
+        ))}
+      </p>
     </>
   );
 }
diff --git a/src/components/insights/prose-blocks.tsx b/src/components/insights/prose-blocks.tsx
new file mode 100644
index 000000000..18835477d
--- /dev/null
+++ b/src/components/insights/prose-blocks.tsx
@@ -0,0 +1,175 @@
+"use client";
+
+import { Fragment, type ReactNode } from "react";
+
+import { cn } from "@/lib/utils";
+import { stripChartTokens } from "@/lib/insights/chart-tokens";
+import { learnUrl } from "@/lib/learn-links";
+import { InlineLearnLink } from "@/components/ui/learn-more-link";
+
+/**
+ * v1.22 (W5) — shared paragraph renderer for every trusted-as-text AI
+ * narrative surface (the Coach, the daily briefing, the per-metric /
+ * score insight cards, the period narrative).
+ *
+ * The AI surfaces render their prose as plain React text children — there
+ * is NO markdown library and NO `dangerouslySetInnerHTML` anywhere in the
+ * tree (the project's XSS posture). Before this helper, three ad-hoc
+ * approaches were in the tree (a single `<p>`, a `whitespace-pre-line`
+ * `<p>`, and the Coach's word-span renderer), so a model that emitted real
+ * paragraph breaks read as one run-on block.
+ *
+ * `ProseBlocks` settles that into ONE pure, XSS-safe splitter:
+ *   - split a TRUSTED plain string on blank lines into real `<p>` blocks;
+ *   - a single `\n` inside a paragraph becomes a `<br/>`;
+ *   - recognised `/learn/<slug>` references (catalog-whitelisted, already
+ *     post-filtered server-side) render as a real, safe `<a>` via
+ *     `InlineLearnLink` — a closed-set linkifier, never model HTML.
+ *
+ * Everything is `String.prototype.split` + React children — no parser, no
+ * markdown dependency, no injected markup. The chart-token strip
+ * (`stripChartTokens`) runs PER LINE (not on the whole string): it
+ * normalises intra-line whitespace, so running it on the full text would
+ * collapse the `\n\n` paragraph breaks before they can be split on. Splitting
+ * paragraphs first, then stripping each line, keeps the structure intact
+ * while still ensuring a stray `metric:<TYPE>` token never surfaces.
+ */
+
+/** Default paragraph styling shared by every prose surface + the Coach
+ *  streaming tail, so the streamed and settled renders line up exactly. */
+export const PROSE_PARAGRAPH_CLASS =
+  "leading-relaxed [&:not(:first-child)]:mt-3";
+
+/**
+ * Split a trusted-as-text string into real paragraphs on blank lines.
+ * Whitespace-only fragments are dropped. Exported for the streaming
+ * paragraph-aware renderer + unit tests.
+ */
+export function splitParagraphs(text: string): string[] {
+  return text
+    .split(/\n{2,}/)
+    .map((s) => s.trim())
+    .filter(Boolean);
+}
+
+/**
+ * Catalog-whitelisted `/learn/<slug>` matcher. Mirrors the post-filter's
+ * grammar (`learn-link-guard.ts`): the host is optional (relative or the
+ * absolute `healthlog.dev/learn/<slug>` form), the slug is the lower-case
+ * hyphenated path segment after `/learn/`. The capture is validated against
+ * the published catalog (`learnUrl`) before an anchor renders — an unknown
+ * slug stays plain text, so a drifted post-filter can never produce a
+ * clickable invented link.
+ */
+const LEARN_URL_RE =
+  /(?:https?:\/\/)?(?:[a-z0-9.-]*healthlog\.dev)?\/learn\/[a-z0-9-]+\/?/gi;
+
+/**
+ * Turn a trusted single line of text into React children, rendering any
+ * catalog-known `/learn/<slug>` reference as a safe `InlineLearnLink` and
+ * leaving everything else as plain text nodes. An unknown slug (which the
+ * server post-filter should already have stripped) falls through as plain
+ * text — fail-closed, never a fabricated anchor.
+ */
+function linkifyLearnLinks(line: string): ReactNode {
+  if (!line.includes("/learn/")) return line;
+
+  const nodes: ReactNode[] = [];
+  let lastIndex = 0;
+  let key = 0;
+  // `matchAll` over a global regex gives each match with its index so we
+  // slice the surrounding text verbatim — no mutation of the source.
+  for (const match of line.matchAll(LEARN_URL_RE)) {
+    const matched = match[0];
+    const start = match.index ?? 0;
+    // The slug is the path segment after `/learn/`, minus a trailing slash.
+    const slug = matched
+      .slice(matched.indexOf("/learn/") + "/learn/".length)
+      .replace(/\/$/, "")
+      .toLowerCase();
+    if (learnUrl(slug) == null) continue; // unknown slug → leave as plain text
+
+    if (start > lastIndex) nodes.push(line.slice(lastIndex, start));
+    nodes.push(
+      <InlineLearnLink key={`learn-${key++}`} slug={slug}>
+        {matched}
+      </InlineLearnLink>,
+    );
+    lastIndex = start + matched.length;
+  }
+  if (nodes.length === 0) return line;
+  if (lastIndex < line.length) nodes.push(line.slice(lastIndex));
+  return <>{nodes}</>;
+}
+
+/**
+ * Render one paragraph's inner text: each single `\n` becomes a `<br/>`, each
+ * line is (optionally) chart-token-stripped, then run through the
+ * catalog-whitelisted Learn linkifier. Stripping per LINE preserves the
+ * `\n` breaks that a whole-string strip would collapse. Exported so the
+ * Coach streaming renderer can settle completed paragraphs with the same
+ * markup the non-streaming path produces.
+ */
+export function ParagraphText({
+  text,
+  strip = false,
+  linkify = true,
+}: {
+  text: string;
+  strip?: boolean;
+  linkify?: boolean;
+}) {
+  const lines = text.split("\n");
+  return (
+    <>
+      {lines.map((line, i) => {
+        const cleaned = strip ? stripChartTokens(line) : line;
+        return (
+          <Fragment key={i}>
+            {i > 0 && <br />}
+            {linkify ? linkifyLearnLinks(cleaned) : cleaned}
+          </Fragment>
+        );
+      })}
+    </>
+  );
+}
+
+export interface ProseBlocksProps {
+  /** Trusted-as-text prose (model output already verified server-side). */
+  text: string;
+  /**
+   * Strip stray `metric:<TYPE>` chart tokens first (defence-in-depth).
+   * Defaults true for AI prose; pass false for already-cleaned input or
+   * for plain user text where a literal `metric:` substring is meaningful.
+   */
+  strip?: boolean;
+  /** Linkify catalog-known `/learn/<slug>` references. Default true. */
+  linkify?: boolean;
+  /** Per-paragraph class override (defaults to `PROSE_PARAGRAPH_CLASS`). */
+  paragraphClassName?: string;
+}
+
+export function ProseBlocks({
+  text,
+  strip = true,
+  linkify = true,
+  paragraphClassName,
+}: ProseBlocksProps) {
+  // Split on blank lines FIRST (raw text), then strip per line inside
+  // `ParagraphText` — a whole-string strip would collapse the breaks.
+  // Drop a paragraph that is empty once its tokens are stripped (a rare
+  // token-only line), so no hollow `<p>` renders.
+  const paras = splitParagraphs(text).filter(
+    (p) => !strip || stripChartTokens(p).length > 0,
+  );
+  return (
+    <>
+      {paras.map((p, i) => (
+        <p key={i} className={cn(paragraphClassName ?? PROSE_PARAGRAPH_CLASS)}>
+          <ParagraphText text={p} strip={strip} linkify={linkify} />
+        </p>
+      ))}
+    </>
+  );
+}
diff --git a/src/components/ui/learn-more-link.tsx b/src/components/ui/learn-more-link.tsx
index df5c47b2c..1b6c5f6ba 100644
--- a/src/components/ui/learn-more-link.tsx
+++ b/src/components/ui/learn-more-link.tsx
@@ -1,8 +1,9 @@
 "use client";
 
+import type { ReactNode } from "react";
 import { ExternalLink } from "lucide-react";
 
-import { learnLinkForMetric } from "@/lib/learn-links";
+import { learnLinkForMetric, learnUrl } from "@/lib/learn-links";
 import { useTranslations } from "@/lib/i18n/context";
 import { cn } from "@/lib/utils";
 
@@ -55,3 +56,50 @@ export function LearnMoreLink({ concept, className }: LearnMoreLinkProps) {
     </a>
   );
 }
+
+/**
+ * v1.22 (W5) — inline, catalog-whitelisted Learn anchor for AI prose.
+ *
+ * Where `LearnMoreLink` resolves a *concept* to its guide for a deterministic
+ * UI surface, this variant linkifies a `/learn/<slug>` reference that already
+ * appears in trusted prose (the Coach reply, post-filtered server-side by
+ * `scrubUnknownLearnLinks`). The slug is resolved through `learnUrl` — the same
+ * closed-set, registry-backed builder — so an unknown slug renders the children
+ * as plain text (fail-closed): a drifted post-filter can never produce a
+ * clickable invented href, and there is no markdown / HTML parsing involved.
+ *
+ * The visible label is the caller's `children` (the original URL text), keeping
+ * the reference verbatim; the safe attributes (`target="_blank"`,
+ * `rel="noopener noreferrer"`) mirror `LearnMoreLink`.
+ */
+export interface InlineLearnLinkProps {
+  /** The `/learn/<slug>` path segment to resolve and link. */
+  slug: string;
+  /** Visible anchor text (typically the matched URL substring). */
+  children: ReactNode;
+  className?: string;
+}
+
+export function InlineLearnLink({
+  slug,
+  children,
+  className,
+}: InlineLearnLinkProps) {
+  const url = learnUrl(slug);
+  if (url == null) return <>{children}</>;
+
+  return (
+    <a
+      href={url}
+      target="_blank"
+      rel="noopener noreferrer"
+      data-slot="inline-learn-link"
+      className={cn(
+        "text-primary underline decoration-from-font underline-offset-2 hover:no-underline",
+        className,
+      )}
+    >
+      {children}
+    </a>
+  );
+}