diff --git a/services/api/src/schema.ts b/services/api/src/schema.ts
index 75dee2d..bab000f 100644
--- a/services/api/src/schema.ts
+++ b/services/api/src/schema.ts
@@ -154,6 +154,10 @@ CREATE TABLE break_note_history (
 CREATE INDEX break_note_history_key ON break_note_history (asset_id, scope, key, id);
 INSERT INTO break_note_history (asset_id, scope, key, fingerprint, status, note, author, author_id, at)
   SELECT asset_id, scope, key, fingerprint, status, note, author, author_id, updated_at FROM break_notes;
+`,
+  // v3: keep the recurring reconcileDue search off reconciled action rows.
+  `
+CREATE INDEX actions_due ON actions (record_time) WHERE snapshot IS NULL;
 `,
 ];
 
diff --git a/services/api/test/due-action-index.test.ts b/services/api/test/due-action-index.test.ts
new file mode 100644
index 0000000..465347e
--- /dev/null
+++ b/services/api/test/due-action-index.test.ts
@@ -0,0 +1,29 @@
+import { mkdtempSync, rmSync } from "node:fs";
+import { tmpdir } from "node:os";
+import { join } from "node:path";
+import { describe, expect, it } from "vitest";
+import { Db } from "../src/db.js";
+import { ORG_MIGRATIONS } from "../src/schema.js";
+
+describe("due action migration index", () => {
+  it("upgrades a version-1 workspace and uses a partial index for unreconciled actions", () => {
+    const dir = mkdtempSync(join(tmpdir(), "concord-due-index-"));
+    const path = join(dir, "org.db");
+    try {
+      const old = new Db(path, [ORG_MIGRATIONS[0]!]);
+      old.close();
+      const db = new Db(path, ORG_MIGRATIONS);
+      try {
+        expect(db.get<{ user_version: number }>("PRAGMA user_version")?.user_version).toBe(ORG_MIGRATIONS.length);
+        const plans = db.raw.prepare(
+          "EXPLAIN QUERY PLAN SELECT id FROM actions WHERE snapshot IS NULL AND record_time <= ?",
+        ).all("2026-10-28T00:00:00Z") as Array<{ detail: string }>;
+        expect(plans.map((p) => p.detail).join("\n")).toContain("actions_due");
+      } finally {
+        db.close();
+      }
+    } finally {
+      rmSync(dir, { recursive: true, force: true });
+    }
+  });
+});
diff --git a/services/api/test/fixtures/db/org-v3.db b/services/api/test/fixtures/db/org-v3.db
new file mode 100644
index 0000000..dd1cfa3
Binary files /dev/null and b/services/api/test/fixtures/db/org-v3.db differ
diff --git a/services/api/test/fixtures/make-db-fixtures.ts b/services/api/test/fixtures/make-db-fixtures.ts
index ea182a5..e45dad4 100644
--- a/services/api/test/fixtures/make-db-fixtures.ts
+++ b/services/api/test/fixtures/make-db-fixtures.ts
@@ -60,6 +60,11 @@ build(join(outDir, "org-v2.db"), ORG_MIGRATIONS.slice(0, 2), (db) => {
            ('usd-mainnet', 'recon', 'SUPPLY_MISMATCH', '10|12', 'resolved', 'corrected', 'bob', 'u2', '2024-01-05T00:00:00Z')`);
 });
 
+// Freeze the v3 schema for future upgrade-compatibility checks.
+build(join(outDir, "org-v3.db"), ORG_MIGRATIONS.slice(0, 3), (db) => {
+  db.exec("INSERT INTO meta (key, value) VALUES ('fixture', 'org-v3')");
+});
+
 build(join(outDir, "control-v1.db"), CONTROL_MIGRATIONS.slice(0, 1), (db) => {
   db.exec(`INSERT INTO users (id, email, name, email_verified, created_at)
     VALUES ('u1', 'alice@example.org', 'Alice', 1, '2024-01-01T00:00:00Z')`);