diff --git a/services/opencode/src/main/kotlin/com/getcode/opencode/model/core/OpenCodePayload.kt b/services/opencode/src/main/kotlin/com/getcode/opencode/model/core/OpenCodePayload.kt
index 2e251ced6..7416e1d38 100644
--- a/services/opencode/src/main/kotlin/com/getcode/opencode/model/core/OpenCodePayload.kt
+++ b/services/opencode/src/main/kotlin/com/getcode/opencode/model/core/OpenCodePayload.kt
@@ -53,7 +53,13 @@ data class OpenCodePayload(
             }
 
             val kind = PayloadKind.from(frame[0].toInt())
-            return OpenCodePayload(kind, kind.decode(frame), kind.decodeNonce(frame))
+
+            // `decode` returns null for a frame this kind can't parse — e.g. a foreign or corrupt
+            // Kik code whose currency byte is out of range (Bugsnag 6a5a4523:
+            // IndexOutOfBoundsException on CurrencyCode.entries[232], a 171-entry enum). Treat it
+            // as Empty so the scanner ignores it instead of crashing or attempting a bogus grab.
+            val value = kind.decode(frame) ?: return Empty
+            return OpenCodePayload(kind, value, kind.decodeNonce(frame))
         }
     }
 }
diff --git a/services/opencode/src/main/kotlin/com/getcode/opencode/model/core/PayloadKind.kt b/services/opencode/src/main/kotlin/com/getcode/opencode/model/core/PayloadKind.kt
index b81f1ca01..14725b9cd 100644
--- a/services/opencode/src/main/kotlin/com/getcode/opencode/model/core/PayloadKind.kt
+++ b/services/opencode/src/main/kotlin/com/getcode/opencode/model/core/PayloadKind.kt
@@ -19,8 +19,11 @@ sealed interface PayloadKind {
     /** Encodes [value] (and [nonce], where applicable) into the fixed-length scan frame. */
     fun encode(value: PayloadValue, nonce: List<Byte>): List<Byte>
 
-    /** Reads this kind's [PayloadValue] out of a (zero-padded) scan [frame]. */
-    fun decode(frame: List<Byte>): PayloadValue
+    /**
+     * Reads this kind's [PayloadValue] out of a (zero-padded) scan [frame], or null if the frame
+     * can't be parsed as this kind (e.g. a cash frame whose currency byte is out of range).
+     */
+    fun decode(frame: List<Byte>): PayloadValue?
 
     /** Reads the nonce out of a scan [frame]; empty for kinds that carry none. */
     fun decodeNonce(frame: List<Byte>): List<Byte>
@@ -45,8 +48,11 @@ sealed interface PayloadKind {
             return data
         }
 
-        override fun decode(frame: List<Byte>): PayloadValue {
-            val currency = CurrencyCode.entries[frame[1].byteToUnsignedInt()]
+        override fun decode(frame: List<Byte>): PayloadValue? {
+            // Byte 1 is an index into CurrencyCode. A foreign or corrupt Kik code can carry a byte
+            // outside that range; such a frame isn't a valid cash code, so fail decoding rather
+            // than throw (Bugsnag 6a5a4523: IndexOutOfBoundsException on a 171-entry enum).
+            val currency = CurrencyCode.entries.getOrNull(frame[1].byteToUnsignedInt()) ?: return null
             val quarks = frame.subList(OpenCodePayload.OFFSET_QUARKS, OpenCodePayload.OFFSET_NONCE)
                 .toByteArray().byteArrayToLong()
             return Fiat(currencyCode = currency, quarks = quarks)
diff --git a/services/opencode/src/test/kotlin/com/getcode/opencode/model/core/OpenCodePayloadTest.kt b/services/opencode/src/test/kotlin/com/getcode/opencode/model/core/OpenCodePayloadTest.kt
index 75f3f2db0..50cc30427 100644
--- a/services/opencode/src/test/kotlin/com/getcode/opencode/model/core/OpenCodePayloadTest.kt
+++ b/services/opencode/src/test/kotlin/com/getcode/opencode/model/core/OpenCodePayloadTest.kt
@@ -92,6 +92,34 @@ class OpenCodePayloadTest {
         assertIs<Fiat>(decoded.value)
     }
 
+    @Test
+    fun `fromList does not throw on out-of-range currency byte`() {
+        // A foreign / corrupt Kik code can pass error-correction yet carry a currency byte
+        // outside CurrencyCode's range. Regression for IndexOutOfBoundsException (Bugsnag
+        // 6a5a4523): `CurrencyCode.entries[232]` on a 171-element enum. Such a frame is not a
+        // valid Flipcash cash code, so it must decode to Unknown (which the scanner ignores).
+        val frame = MutableList<Byte>(OpenCodePayload.LENGTH) { 0 }
+        frame[0] = PayloadKind.Cash.value.toByte()
+        frame[1] = 232.toByte() // >= CurrencyCode.entries.size
+
+        val decoded = OpenCodePayload.fromList(frame)
+
+        assertEquals(PayloadKind.Unknown, decoded.kind)
+    }
+
+    @Test
+    fun `fromList decodes highest valid currency index`() {
+        // Boundary: the last valid ordinal must still decode as Cash, not be rejected.
+        val lastCurrency = CurrencyCode.entries.last()
+        val fiat = Fiat(quarks = 7L, currencyCode = lastCurrency)
+        val encoded = encodePayload(PayloadKind.Cash, fiat, List(10) { 0.toByte() })
+
+        val decoded = OpenCodePayload.fromList(encoded)
+
+        assertEquals(PayloadKind.Cash, decoded.kind)
+        assertEquals(lastCurrency, decoded.fiat!!.currencyCode)
+    }
+
     @Test
     fun `fromList preserves nonce bytes`() {
         val nonce = List(10) { (it * 3).toByte() }