diff --git a/packages/mosaic/framework/fleet/bin/mosaic b/packages/mosaic/framework/fleet/bin/mosaic
new file mode 100755
index 00000000..ee681691
--- /dev/null
+++ b/packages/mosaic/framework/fleet/bin/mosaic
@@ -0,0 +1,123 @@
+#!/usr/bin/env bash
+# mosaic — fleet launcher (shipped-first, split-home safe).
+#
+# T110 / P5-RM-009 stack side. Carries the T106 brain launcher contract
+# (shipped-first, worktree dev opt-in, OFF pass-through, typed failure) with
+# one split-home correction: the SHIPPED npm mosaic is resolved from the real
+# user's home (passwd database), never from $HOME. Under split-home seat
+# layouts HOME is a seat home: it carries no npm prefix, and a
+# $HOME/.npm-global there would be a plantable descriptor, so the $HOME
+# candidate is consulted only when the passwd lookup itself fails, and then
+# only with a full symlink-component refusal (secure descriptor traversal).
+#
+# Contract:
+#   1. SHIPPED npm mosaic is the default. Candidate order:
+#        a. <real-home>/.npm-global/bin/mosaic — real home from the passwd
+#           database. The final component may be npm's own bin symlink into
+#           lib/node_modules; that indirection is npm's layout, not a plant.
+#        b. $HOME/.npm-global/bin/mosaic — ONLY when the passwd lookup
+#           fails. Untrusted: every path component must be a non-symlink or
+#           the candidate is refused without execution.
+#   2. Worktree build is DEV OPT-IN: used only when MOSAIC_CLI_WORKTREE is
+#      explicitly set. Health-checked via --version; ANY doubt (absent,
+#      unreadable, or failing) falls back to the shipped npm mosaic with a
+#      warning on stderr. With no environment set, worktree candidates are
+#      never consulted — stale worktree builds cannot regain precedence.
+#   3. MOSAIC_FLEET_CLI_OFF keeps its pass-through semantics: set (any
+#      value) forces pure pass-through. The dev path is not consulted even
+#      when MOSAIC_CLI_WORKTREE is also set.
+#   4. Typed failure: with no runnable candidate the launcher prints one
+#      stderr line naming what was checked and exits 127.
+#   5. NEVER writes to the mosaic home or the npm prefix. Deployment to the
+#      fleet goes through the real channel (PR to next -> mosaic update).
+#
+# Env:
+#   MOSAIC_CLI_WORKTREE  dev opt-in: path to a stack worktree whose
+#                        packages/mosaic/dist/cli.js is used (health-checked,
+#                        shipped fallback on doubt)
+#   MOSAIC_FLEET_CLI_OFF set (any value) to force pure pass-through
+#
+# Component walk note: the descriptor guard splits on "/" without quoting so
+# multi-byte HOME paths with spaces are not supported for the FALLBACK
+# candidate; the passwd candidate needs no walk (trusted derivation).
+
+set -u
+
+fail() {
+    echo "mosaic: $*" >&2
+    exit 127
+}
+
+# Real user home from the passwd database (HOME-independent).
+real_home() {
+    getent passwd "$(id -u)" 2>/dev/null | cut -d: -f6
+}
+
+# Refuse when any component of the candidate path is a symlink. Used only for
+# the untrusted $HOME fallback candidate (contract 1b).
+path_has_symlink_component() {
+    local path="$1" dir base acc="" part
+    dir="$(dirname -- "$path")"
+    base="$(basename -- "$path")"
+    local IFS='/'
+    for part in $dir; do
+        acc="$acc/$part"
+        [ -L "$acc" ] && return 0
+    done
+    [ -L "$dir/$base" ] && return 0
+    return 1
+}
+
+# Print shipped candidates in contract order. Refusals are reported on stderr
+# so the typed failure names the cause.
+shipped_candidates() {
+    local rh home_candidate
+    rh="$(real_home)"
+    if [ -n "$rh" ]; then
+        printf '%s\n' "$rh/.npm-global/bin/mosaic"
+        return 0
+    fi
+    # passwd lookup failed: the only fallback is $HOME, descriptor-guarded.
+    if [ -n "${HOME:-}" ]; then
+        home_candidate="$HOME/.npm-global/bin/mosaic"
+        if path_has_symlink_component "$home_candidate"; then
+            echo "mosaic: refusing \$HOME candidate $home_candidate: symlink component (untrusted without a passwd home)" >&2
+        else
+            printf '%s\n' "$home_candidate"
+        fi
+    fi
+    return 0
+}
+
+resolve_shipped() {
+    local candidate
+    while IFS= read -r candidate; do
+        [ -n "$candidate" ] || continue
+        if [ -x "$candidate" ]; then
+            printf '%s\n' "$candidate"
+            return 0
+        fi
+    done < <(shipped_candidates)
+    return 1
+}
+
+# Dev opt-in only: an explicit MOSAIC_CLI_WORKTREE reaches the worktree build,
+# and pure pass-through (MOSAIC_FLEET_CLI_OFF) outranks it.
+if [ -n "${MOSAIC_CLI_WORKTREE:-}" ] && [ -z "${MOSAIC_FLEET_CLI_OFF:-}" ]; then
+    CLI="$MOSAIC_CLI_WORKTREE/packages/mosaic/dist/cli.js"
+    if [ -r "$CLI" ]; then
+        if v="$(node "$CLI" --version 2>/dev/null)" && [ -n "$v" ]; then
+            exec node "$CLI" "$@"
+        fi
+        echo "mosaic: worktree build at $CLI failed its health check; using shipped npm mosaic" >&2
+    else
+        echo "mosaic: worktree build at $CLI absent or unreadable; using shipped npm mosaic" >&2
+    fi
+fi
+
+SHIPPED="$(resolve_shipped)" || true
+if [ -n "${SHIPPED:-}" ]; then
+    exec "$SHIPPED" "$@"
+fi
+
+fail "no runnable CLI (shipped npm mosaic absent from the passwd-home npm prefix and \$HOME; worktree build requires MOSAIC_CLI_WORKTREE)"
diff --git a/packages/mosaic/framework/fleet/bin/test-mosaic-launcher.sh b/packages/mosaic/framework/fleet/bin/test-mosaic-launcher.sh
new file mode 100755
index 00000000..4b6e559e
--- /dev/null
+++ b/packages/mosaic/framework/fleet/bin/test-mosaic-launcher.sh
@@ -0,0 +1,115 @@
+#!/usr/bin/env bash
+# Hermetic suite for the fleet/bin/mosaic launcher (T110 / P5-RM-009).
+#
+# Arms cover the plan acceptance: split-home shipped-first positive, typed
+# failure on missing candidates, stale-worktree non-precedence, OFF
+# pass-through, and secure-descriptor refusal on the untrusted $HOME
+# fallback. No network, no real npm install, no node package build: the
+# "shipped mosaic" is a stub script and getent is PATH-stubbed (set
+# GETENT_STUB=fail to make the passwd lookup fail, exercising the guarded
+# $HOME fallback).
+set -euo pipefail
+
+SCRIPT_DIR=$(cd -- "$(dirname -- "$0")" && pwd)
+LAUNCHER="$SCRIPT_DIR/mosaic"
+
+fail() {
+    echo "FAIL: $*" >&2
+    exit 1
+}
+
+[ -f "$LAUNCHER" ] || fail "missing launcher"
+[ -x "$LAUNCHER" ] || fail "launcher is not executable"
+bash -n "$LAUNCHER" || fail "launcher fails bash -n"
+
+WORK=$(mktemp -d)
+cleanup() { rm -rf "$WORK"; }
+trap cleanup EXIT
+
+REAL_HOME="$WORK/real-home"
+SEAT_HOME="$WORK/seat-home"
+STUB_BIN="$WORK/stub-bin"
+mkdir -p "$REAL_HOME/.npm-global/bin" "$SEAT_HOME" "$STUB_BIN"
+
+cat >"$REAL_HOME/.npm-global/bin/mosaic" <<'SH'
+#!/bin/sh
+echo "0.0.0-shipped-stub"
+SH
+chmod +x "$REAL_HOME/.npm-global/bin/mosaic"
+
+# PATH-stubbed getent: reports the real home for the current uid, unless
+# GETENT_STUB=fail is in the launcher environment (exercises the guarded
+# $HOME fallback path).
+cat >"$STUB_BIN/getent" <<SH
+#!/bin/sh
+if [ "\${GETENT_STUB:-}" = "fail" ]; then exit 2; fi
+if [ "\$1" = "passwd" ]; then
+    echo "stub:x:$(id -u):$(id -g):stub:$REAL_HOME:/bin/sh"
+    exit 0
+fi
+exit 2
+SH
+chmod +x "$STUB_BIN/getent"
+
+run_launcher() { # run_launcher <home> [VAR=value ...] -- [args...]
+    local home="$1"; shift
+    [ "${1:-}" = "--" ] && shift
+    env -i PATH="$STUB_BIN:/usr/bin:/bin" HOME="$home" TERM="${TERM:-dumb}" "$LAUNCHER" "$@"
+}
+
+# A1 — acceptance 1: split-home positive. HOME is an empty seat home; the
+# shipped mosaic resolves through the passwd real home.
+out="$(printf '' | run_launcher "$SEAT_HOME" -- --version)"
+[ "$out" = "0.0.0-shipped-stub" ] || fail "A1 split-home positive: got '$out', want shipped stub version"
+
+# A3 — acceptance 3: a stale worktree build is NEVER consulted without the
+# explicit opt-in, even when a worktree exists on disk.
+WT="$WORK/stale-wt"
+mkdir -p "$WT/packages/mosaic/dist"
+printf 'console.log("0.0.0-stale-worktree")\n' >"$WT/packages/mosaic/dist/cli.js"
+out="$(printf '' | run_launcher "$SEAT_HOME" -- --version)"
+[ "$out" = "0.0.0-shipped-stub" ] || fail "A3 stale worktree regained precedence without opt-in: got '$out'"
+
+# A2 (opt-in healthy) — explicit MOSAIC_CLI_WORKTREE reaches the worktree.
+out="$(printf '' | env MOSAIC_CLI_WORKTREE="$WT" HOME="$SEAT_HOME" PATH="$STUB_BIN:/usr/bin:/bin" "$LAUNCHER" --version)"
+[ "$out" = "0.0.0-stale-worktree" ] || fail "A2 opt-in worktree not used: got '$out'"
+
+# A2b (opt-in unhealthy) — absent dist falls back to shipped with a warning.
+out2="$(printf '' | env MOSAIC_CLI_WORKTREE="$WORK/empty-wt" HOME="$SEAT_HOME" PATH="$STUB_BIN:/usr/bin:/bin" "$LAUNCHER" --version 2>/dev/null)"
+[ "$out2" = "0.0.0-shipped-stub" ] || fail "A2b unhealthy worktree fallback output: '$out2'"
+err2="$(printf '' | env MOSAIC_CLI_WORKTREE="$WORK/empty-wt" HOME="$SEAT_HOME" PATH="$STUB_BIN:/usr/bin:/bin" "$LAUNCHER" --version 2>&1 >/dev/null)"
+case "$err2" in *"absent or unreadable"*|*"health check"*) ;; *) fail "A2b unhealthy worktree fallback warning missing: '$err2'" ;; esac
+
+# A4 — OFF pass-through: worktree opt-in is ignored when OFF is set.
+out="$(printf '' | env MOSAIC_FLEET_CLI_OFF=1 MOSAIC_CLI_WORKTREE="$WT" HOME="$SEAT_HOME" PATH="$STUB_BIN:/usr/bin:/bin" "$LAUNCHER" --version)"
+[ "$out" = "0.0.0-shipped-stub" ] || fail "A4 OFF did not force pass-through: got '$out'"
+
+# A5 — acceptance 4: typed failure when no candidate exists (passwd lookup
+# fails, seat home carries no npm prefix). Expect 127 + documented message.
+set +e
+err="$(printf '' | env GETENT_STUB=fail HOME="$SEAT_HOME" PATH="$STUB_BIN:/usr/bin:/bin" "$LAUNCHER" --version 2>&1 >/dev/null)"
+rc=$?
+set -e
+[ "$rc" = "127" ] || fail "A5 typed failure rc: got $rc, want 127"
+case "$err" in *"no runnable CLI"*) ;; *) fail "A5 typed failure message missing: '$err'" ;; esac
+
+# A6 — secure descriptor traversal: passwd lookup fails and a symlink-planted
+# $HOME/.npm-global is refused without execution.
+PLANT="$WORK/planted-target"
+mkdir -p "$PLANT/.npm-global/bin"
+cat >"$PLANT/.npm-global/bin/mosaic" <<SH
+#!/bin/sh
+touch "$WORK/planted-sentinel"
+echo "0.0.0-planted"
+SH
+chmod +x "$PLANT/.npm-global/bin/mosaic"
+ln -s "$PLANT" "$SEAT_HOME/.npm-global"
+set +e
+err="$(printf '' | env GETENT_STUB=fail HOME="$SEAT_HOME" PATH="$STUB_BIN:/usr/bin:/bin" "$LAUNCHER" --version 2>&1)"
+rc=$?
+set -e
+[ "$rc" = "127" ] || fail "A6 planted descriptor was followed (rc $rc, out '$err')"
+case "$err" in *"symlink component"*) ;; *) fail "A6 refusal diagnostic missing: '$err'" ;; esac
+[ ! -e "$WORK/planted-sentinel" ] || fail "A6 planted mosaic EXECUTED"
+
+echo "mosaic launcher suite: all arms passed"
diff --git a/packages/mosaic/framework/framework-manifest.txt b/packages/mosaic/framework/framework-manifest.txt
index 99320075..c7e36de8 100644
--- a/packages/mosaic/framework/framework-manifest.txt
+++ b/packages/mosaic/framework/framework-manifest.txt
@@ -47,6 +47,7 @@ templates/**
 tools/**
 # Fleet: only the framework-seeded fleet subtrees are framework-owned.
 fleet/README.md
+fleet/bin/**
 fleet/examples/**
 fleet/profiles/**
 fleet/roles/**