diff --git a/apps/machine/src/stores/atm.ts b/apps/machine/src/stores/atm.ts
index fd00df2..bb5bc8b 100644
--- a/apps/machine/src/stores/atm.ts
+++ b/apps/machine/src/stores/atm.ts
@@ -306,6 +306,22 @@ export const useAtmStore = defineStore('atm', () => {
   // screen (raw lnurlw, spent by this call) or the session opened at entry
   // (hit-keyed steps, no p/c).
   type BoltCardSource = { lnurlw: string } | { session: CardSession }
+  // Electron IPC structured-clones its arguments and rejects Vue reactive
+  // proxies with "An object could not be cloned". `loadedBoltCard` is a ref,
+  // so anything reached through it is a proxy — copy the steps field by field
+  // into plain objects before they cross the bridge.
+  const plainWithdrawStep = (w: NonNullable<CardSession['withdraw']>) => ({
+    callback: w.callback,
+    k1: w.k1,
+    minWithdrawable: w.minWithdrawable,
+    maxWithdrawable: w.maxWithdrawable,
+  })
+  const plainPayStep = (p: CardSession['pay']) => ({
+    callback: p.callback,
+    minSendable: p.minSendable,
+    maxSendable: p.maxSendable,
+    metadata: p.metadata,
+  })
   // Access-control gate config (ADR-003). Defaults disabled → the machine's
   // `locked` state bypasses straight to `idle` (behaviour identical to no gate).
   // Populated from RuntimeConfig.accessControl in initializeForProduction.
@@ -673,7 +689,7 @@ export const useAtmStore = defineStore('atm', () => {
         'session' in source
           ? source.session.withdraw
             ? await api.withdrawWithSession({
-                withdraw: source.session.withdraw,
+                withdraw: plainWithdrawStep(source.session.withdraw),
                 bolt11: invoice,
                 amountMsat,
               })
@@ -713,7 +729,7 @@ export const useAtmStore = defineStore('atm', () => {
       const api = window.electronAPI!
       const res =
         'session' in source
-          ? await api.resolveSessionInvoice({ pay: source.session.pay, amountMsat })
+          ? await api.resolveSessionInvoice({ pay: plainPayStep(source.session.pay), amountMsat })
           : await api.resolveCardInvoice({ lnurlw: source.lnurlw, amountMsat })
       if (!res.ok || !res.bolt11) {
         boltCardProcessing.value = false