diff --git a/app/database/crud/user.py b/app/database/crud/user.py
index daf69f1f..f2ddb7f6 100644
--- a/app/database/crud/user.py
+++ b/app/database/crud/user.py
@@ -415,9 +415,19 @@ async def lock_user_for_update(db: AsyncSession, user: User) -> User:
 
     Returns the refreshed user object with current DB values.
     Must be called within an active transaction before modifying balance_kopeks.
+    Eagerly loads key relationships to avoid MissingGreenlet in async context.
     """
     result = await db.execute(
-        select(User).where(User.id == user.id).with_for_update().execution_options(populate_existing=True)
+        select(User)
+        .where(User.id == user.id)
+        .options(
+            selectinload(User.subscription),
+            selectinload(User.user_promo_groups).selectinload(UserPromoGroup.promo_group),
+            selectinload(User.promo_group),
+            selectinload(User.referrer),
+        )
+        .with_for_update()
+        .execution_options(populate_existing=True)
     )
     return result.scalar_one()
 
@@ -434,8 +444,18 @@ async def add_user_balance(
 ) -> bool:
     try:
         # Lock the user row to prevent concurrent balance race conditions
+        # Eagerly load key relationships to avoid MissingGreenlet in async context
         locked_result = await db.execute(
-            select(User).where(User.id == user.id).with_for_update().execution_options(populate_existing=True)
+            select(User)
+            .where(User.id == user.id)
+            .options(
+                selectinload(User.subscription),
+                selectinload(User.user_promo_groups).selectinload(UserPromoGroup.promo_group),
+                selectinload(User.promo_group),
+                selectinload(User.referrer),
+            )
+            .with_for_update()
+            .execution_options(populate_existing=True)
         )
         user = locked_result.scalar_one()
 
@@ -534,8 +554,18 @@ async def subtract_user_balance(
     )
 
     # Lock the user row to prevent concurrent balance race conditions
+    # Eagerly load key relationships to avoid MissingGreenlet in async context
     locked_result = await db.execute(
-        select(User).where(User.id == user.id).with_for_update().execution_options(populate_existing=True)
+        select(User)
+        .where(User.id == user.id)
+        .options(
+            selectinload(User.subscription),
+            selectinload(User.user_promo_groups).selectinload(UserPromoGroup.promo_group),
+            selectinload(User.promo_group),
+            selectinload(User.referrer),
+        )
+        .with_for_update()
+        .execution_options(populate_existing=True)
     )
     user = locked_result.scalar_one()
 
diff --git a/app/services/channel_subscription_service.py b/app/services/channel_subscription_service.py
index ec7bd810..5751b5f7 100644
--- a/app/services/channel_subscription_service.py
+++ b/app/services/channel_subscription_service.py
@@ -274,8 +274,9 @@ class ChannelSubscriptionService:
                 )
                 return False  # Fail-closed -- bot cannot verify membership
             except TelegramBadRequest as e:
-                if 'user not found' in str(e).lower():
-                    return False  # User never interacted with bot in that context
+                err_msg = str(e).lower()
+                if 'user not found' in err_msg or 'participant_id_invalid' in err_msg:
+                    return False  # User never interacted with bot/channel
                 logger.error('Bad request checking channel', channel_id=channel_id, error=str(e))
                 return False  # Fail-closed
             except TelegramNetworkError:
diff --git a/app/utils/user_utils.py b/app/utils/user_utils.py
index b59a62a1..74b5b2db 100644
--- a/app/utils/user_utils.py
+++ b/app/utils/user_utils.py
@@ -24,6 +24,8 @@ def format_referrer_info(user: User) -> str:
 
     try:
         # Проверяем, является ли referrer обычным объектом или InstrumentedList
+        # getattr default does NOT catch MissingGreenlet (not an AttributeError),
+        # so we wrap in try/except to handle lazy-load failures in async context.
         referrer = getattr(user, 'referrer', None)
 
         # Если referrer это InstrumentedList или None, то возвращаем информацию по ID
@@ -39,8 +41,9 @@ def format_referrer_info(user: User) -> str:
 
         return f'ID {referrer_telegram_id or referred_by_id}'
 
-    except (AttributeError, TypeError):
-        # Если возникла ошибка при обращении к атрибутам, просто возвращаем ID
+    except Exception:
+        # MissingGreenlet is not a subclass of AttributeError/TypeError,
+        # so we must catch broadly to handle lazy-load failures in async context.
         return f'ID {referred_by_id} (ошибка загрузки)'