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---
 app/app/Services/Sms/SmsRouter.php           | 23 ++++++++
 app/tests/Unit/Sms/SmsRouterFailoverTest.php | 57 ++++++++++++++++++++
 2 files changed, 80 insertions(+)
 create mode 100644 app/tests/Unit/Sms/SmsRouterFailoverTest.php

diff --git a/app/app/Services/Sms/SmsRouter.php b/app/app/Services/Sms/SmsRouter.php
index b8f6255f..2add1296 100644
--- a/app/app/Services/Sms/SmsRouter.php
+++ b/app/app/Services/Sms/SmsRouter.php
@@ -42,4 +42,27 @@ final class SmsRouter
 
         return $candidates[0];
     }
+
+    /**
+     * Запасной канал, если основной отказал. Работает ТОЛЬКО при включённом
+     * флаге services.sms.failover_to_universal (по умолчанию ВЫКЛ). Возвращает
+     * универсала, отличного от основного. Точка расширения — сейчас не вызывается
+     * из джоба (решение владельца 23.07.2026 — без резерва).
+     */
+    public function fallbackFor(string $operator): ?SmsProvider
+    {
+        if (! config('services.sms.failover_to_universal')) {
+            return null;
+        }
+
+        $primary = $this->pick($operator);
+
+        foreach ($this->providers as $provider) {
+            if (in_array('*', $provider->servesOperators(), true) && $provider !== $primary) {
+                return $provider;
+            }
+        }
+
+        return null;
+    }
 }
diff --git a/app/tests/Unit/Sms/SmsRouterFailoverTest.php b/app/tests/Unit/Sms/SmsRouterFailoverTest.php
new file mode 100644
index 00000000..cc64a946
--- /dev/null
+++ b/app/tests/Unit/Sms/SmsRouterFailoverTest.php
@@ -0,0 +1,57 @@
+<?php
+
+declare(strict_types=1);
+
+use App\Services\Sms\SmsOutgoing;
+use App\Services\Sms\SmsProvider;
+use App\Services\Sms\SmsRouter;
+use App\Services\Sms\SmsSendResult;
+use Carbon\CarbonImmutable;
+
+function failover_provider(string $key, array $operators): SmsProvider
+{
+    return new class($key, $operators) implements SmsProvider
+    {
+        public function __construct(private string $k, private array $ops) {}
+
+        public function key(): string
+        {
+            return $this->k;
+        }
+
+        public function servesOperators(): array
+        {
+            return $this->ops;
+        }
+
+        public function priceKopecks(string $operator): int
+        {
+            return 100;
+        }
+
+        public function send(SmsOutgoing $m): SmsSendResult
+        {
+            return new SmsSendResult('x', 1, 100, CarbonImmutable::now());
+        }
+    };
+}
+
+it('по умолчанию резерва нет — второй канал не отдаётся', function () {
+    config()->set('services.sms.failover_to_universal', false);
+    $router = new SmsRouter([
+        failover_provider('mts', ['mts']),
+        failover_provider('smsc', ['*']),
+    ]);
+
+    expect($router->fallbackFor('mts'))->toBeNull();
+});
+
+it('при включённом флаге резерв — универсал', function () {
+    config()->set('services.sms.failover_to_universal', true);
+    $router = new SmsRouter([
+        failover_provider('mts', ['mts']),
+        failover_provider('smsc', ['*']),
+    ]);
+
+    expect($router->fallbackFor('mts')?->key())->toBe('smsc');
+});