diff --git a/openfut-adapter-fifa17/src/fut/non_economy.rs b/openfut-adapter-fifa17/src/fut/non_economy.rs
index 6c4d587..2ffd0b8 100644
--- a/openfut-adapter-fifa17/src/fut/non_economy.rs
+++ b/openfut-adapter-fifa17/src/fut/non_economy.rs
@@ -24,9 +24,50 @@ pub fn accountinfo_body() -> Value {
     json!({})
 }
 
-/// `GET …/settings` — production oracle returns an empty config list.
-pub fn settings_body() -> Value {
-    json!({ "configs": [] })
+/// The commerce flags the client leaves OFF unless a `configs` row turns them on.
+///
+/// `FutGetSettingsServerResponse` (deser `0x18013c6d0`, read end to end) has a
+/// single wrapper key `configs` (0xa2) holding an array of
+/// `{ type (0x354), value (0x377) }`, and nothing else. `type` is the setting
+/// NAME, not an index.
+///
+/// These matter because the struct's defaults are NOT uniform: several fields
+/// default to 1, but `tradingEnabled` defaults to **0**. It is not a flag we have
+/// been overwriting — it is a flag nobody has ever sent. It gates the service
+/// half of the `TO_TRADE_PILE` predicate (vtable slot `+0x270` =
+/// `FUN_18011c670`, reading gate byte `0x1fd2e`, measured 0 in the live client),
+/// which is one of the two reasons "Place on Transfer List" is greyed. The other
+/// reason — `untradeable` — this crate already handles: [`crate::fut::item`]
+/// emits `false` for owned copies.
+const COMMERCE_SETTINGS: [&str; 8] = [
+    "storeEnabled",
+    "storeEnabled_JP",
+    "coinEnabled",
+    "coinEnabled_JP",
+    "cardPackStoreEnabled",
+    "cardPackStoreEnabled_JP",
+    "pointsPackStoreEnabled",
+    "tradingEnabled",
+];
+
+/// `GET …/settings` — an empty config list by default, matching the production
+/// oracle and the live-proven behaviour.
+///
+/// `enable_commerce` opts in to [`COMMERCE_SETTINGS`]. It defaults OFF because
+/// the flags are RECOVERED BUT UNTESTED: the schema is high-confidence and this
+/// is the exact row shape the oracle would emit, but no launch has yet confirmed
+/// what the client does with them. Turning it on is the server half of the
+/// transfer-list fix; it explains why the menu entry is greyed and does NOT
+/// promise that the transfer market behind it works.
+pub fn settings_body(enable_commerce: bool) -> Value {
+    if !enable_commerce {
+        return json!({ "configs": [] });
+    }
+    let rows: Vec<Value> = COMMERCE_SETTINGS
+        .iter()
+        .map(|name| json!({ "type": name, "value": 1 }))
+        .collect();
+    json!({ "configs": rows })
 }
 
 /// `GET …/leaderboards/options` — production oracle (FUT_MODES off) returns an
@@ -426,12 +467,44 @@ mod tests {
     #[test]
     fn static_bodies_match_oracle() {
         assert_eq!(accountinfo_body(), json!({}));
-        assert_eq!(settings_body(), json!({ "configs": [] }));
+        assert_eq!(settings_body(false), json!({ "configs": [] }));
         assert_eq!(leaderboard_options_body(), json!({}));
         assert_eq!(match_reset_body(), json!({}));
         assert_eq!(club_stats_staff_body(), json!({}));
     }
 
+    /// The default MUST stay the live-proven empty list, and the opt-in body must
+    /// match the schema exactly: `configs` holding `{type, value}` rows where
+    /// `type` is the setting NAME. `tradingEnabled` is the one that matters — the
+    /// client defaults it to 0 and it gates the transfer-list menu entry.
+    #[test]
+    fn commerce_settings_are_opt_in_and_shaped_to_the_schema() {
+        assert_eq!(
+            settings_body(false),
+            json!({ "configs": [] }),
+            "default must remain the live-proven body"
+        );
+
+        let on = settings_body(true);
+        let rows = on["configs"].as_array().expect("configs is an array");
+        assert_eq!(rows.len(), COMMERCE_SETTINGS.len());
+        for row in rows {
+            let obj = row.as_object().expect("each config row is an OBJECT");
+            assert_eq!(
+                obj.keys().collect::<Vec<_>>(),
+                vec!["type", "value"],
+                "the deserializer knows exactly two keys; an extra one is skipped \
+                 at best and a type desync at worst"
+            );
+            assert!(obj["type"].is_string(), "type is the setting NAME");
+            assert_eq!(obj["value"], 1);
+        }
+        assert!(
+            rows.iter().any(|r| r["type"] == "tradingEnabled"),
+            "the whole point of the opt-in"
+        );
+    }
+
     #[test]
     fn action_parse() {
         assert_eq!(
diff --git a/openfut-utas-host/src/lib.rs b/openfut-utas-host/src/lib.rs
index df86a3e..acf9e10 100644
--- a/openfut-utas-host/src/lib.rs
+++ b/openfut-utas-host/src/lib.rs
@@ -3926,8 +3926,9 @@ impl Server {
                 json_status(200, &non_economy::accountinfo_body())
             }
             Route::Settings => {
-                eprintln!("utas-host owner=RUST route=settings status=200");
-                json_status(200, &non_economy::settings_body())
+                let commerce = commerce_settings_enabled();
+                eprintln!("utas-host owner=RUST route=settings status=200 commerce={commerce}");
+                json_status(200, &non_economy::settings_body(commerce))
             }
             Route::LeaderboardOptions => {
                 eprintln!("utas-host owner=RUST route=leaderboards-options status=200");
@@ -4771,6 +4772,20 @@ fn fifa17_sidlog(sid: &str) -> String {
     }
 }
 
+/// Whether `GET …/settings` should turn the client's commerce flags on.
+///
+/// OFF unless `OPENFUT_FIFA17_COMMERCE_SETTINGS=1`, because the flags are
+/// recovered but UNTESTED and the empty config list is the live-proven body. The
+/// house rule is that a flag defaults to the live-proven value.
+///
+/// Turning it on is the SERVER half of the transfer-list fix — the client's
+/// `tradingEnabled` gate defaults to 0 and nothing has ever sent it. It needs a
+/// launch to confirm, and it does not promise the market behind the menu works.
+fn commerce_settings_enabled() -> bool {
+    static ENABLED: std::sync::OnceLock<bool> = std::sync::OnceLock::new();
+    *ENABLED.get_or_init(|| std::env::var("OPENFUT_FIFA17_COMMERCE_SETTINGS").as_deref() == Ok("1"))
+}
+
 /// A JSON response with an explicit status.
 fn json_status(status: u16, v: &Value) -> WireResponse {
     let body = serde_json::to_vec(v).unwrap_or_default();