diff --git a/tests/conftest.py b/tests/conftest.py
index 6698018..44b5c26 100644
--- a/tests/conftest.py
+++ b/tests/conftest.py
@@ -108,6 +108,9 @@ def _settings_cleanup(settings: Settings) -> None:
     settings.lnbits_user_activation_by_invitation_code = False
     settings.lnbits_register_reusable_activation_code = ""
     settings.lnbits_register_one_time_activation_codes = []
+    # Keep the rate limiter disabled across per-test settings resets (the
+    # limiter itself is fixed at app-creation time, but keep the value coherent).
+    settings.lnbits_rate_limit_no = 1_000_000
 
 
 @pytest.fixture(scope="session")
@@ -133,6 +136,12 @@ def settings() -> Iterator[Settings]:
     lnbits_settings.lnbits_admin_ui = True
     lnbits_settings.lnbits_extensions_default_install = []
     lnbits_settings.lnbits_extensions_deactivate_all = False
+    # The full suite fires >200 requests/minute; the default rate limit (200/min)
+    # otherwise 429s fixture setup intermittently. The limiter is built once at
+    # app creation from this value (lnbits/app.py register_new_ratelimiter), and
+    # this fixture runs before the `app` fixture, so raising it here disables it
+    # for the session.
+    lnbits_settings.lnbits_rate_limit_no = 1_000_000
     yield lnbits_settings
 
 
@@ -170,13 +179,32 @@ option "render_commas" "TRUE"
 2020-01-01 open Equity:Opening-Balances EUR,SATS
 2020-01-01 open Income:Generic EUR,SATS
 2020-01-01 open Expenses:Generic EUR,SATS
+
+include "accounts/chart.beancount"
+include "accounts/users.beancount"
 """
 
+# Split-layout include targets, mirroring the production fava layout
+# (aiolabs/server-deploy#4). libra's fava_client routes Open directives by
+# account name (fava_client._infer_target_file): per-user accounts
+# (:User-xxxxxxxx) to accounts/users.beancount, everything else to
+# accounts/chart.beancount. Both must exist as Fava *source* files (i.e. be
+# included) or /api/source writes 500 with "non-source file". The title stays
+# in the root ledger above so Fava's slug still matches LEDGER_SLUG (scalar
+# options don't propagate from includes — see aiolabs/server-deploy#9).
+CHART_SEED = "; Admin-mutable chart of accounts (libra appends Open directives).\n"
+USERS_SEED = "; Per-user account opens (libra appends at signup).\n"
+
 
 @pytest.fixture(scope="session")
 def fava_ledger_path(tmp_path_factory: pytest.TempPathFactory) -> Path:
-    """Session-scoped .beancount file Fava reads from."""
+    """Session-scoped split ledger Fava reads from: a root file that includes
+    accounts/chart.beancount (admin add-account target) and
+    accounts/users.beancount (per-user opens target)."""
     ledger_dir = tmp_path_factory.mktemp("libra-ledger")
+    (ledger_dir / "accounts").mkdir()
+    (ledger_dir / "accounts" / "chart.beancount").write_text(CHART_SEED)
+    (ledger_dir / "accounts" / "users.beancount").write_text(USERS_SEED)
     ledger = ledger_dir / f"{LEDGER_SLUG}.beancount"
     ledger.write_text(MINIMAL_LEDGER)
     return ledger