diff --git a/apps/api/src/broker/poller.ts b/apps/api/src/broker/poller.ts
new file mode 100644
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+++ b/apps/api/src/broker/poller.ts
@@ -0,0 +1,85 @@
+/**
+ * CalDAV broker poller — runs every 5 minutes via node-cron.
+ *
+ * Responsibilities (D-13, D-02):
+ *   - Load all member_credentials (N-credential per-member model)
+ *   - Decrypt each app password via decryptPassword (T-03-04 — never log the decrypted value)
+ *   - Create a tsdav client per credential, fetch calendars via PROPFIND
+ *   - For each calendar: compare current ctag to stored ctag
+ *       → ctag unchanged (and non-null): SKIP (no DB write, no Fastmail round-trip)
+ *       → ctag changed or null: call syncCalendar (REPORT → ical.js → DB upsert)
+ *
+ * runPoll is exported for unit testing (inject mocks via vi.mock at the module level).
+ * startBrokerPoller wraps it in node-cron's 5-minute schedule.
+ *
+ * Source: https://github.com/node-cron/node-cron (v4 stable basic API)
+ */
+
+import { schedule } from 'node-cron'
+import { eq } from 'drizzle-orm'
+import { db } from '../db/client.js'
+import { memberCredentials, calendars } from '../db/schema.js'
+import { decryptPassword } from './crypto.js'
+import { createFastmailClient } from './client.js'
+import { syncCalendar } from './sync.js'
+
+/**
+ * Runs one full poll cycle:
+ *   1. Load all member credentials
+ *   2. For each credential: decrypt, create client, fetch calendars
+ *   3. For each calendar: check ctag; skip if unchanged, sync if changed
+ *
+ * Errors for individual credentials are caught and logged (not re-thrown),
+ * so one bad credential does not stop processing for others.
+ */
+export async function runPoll(): Promise<void> {
+  const creds = await db.select().from(memberCredentials)
+
+  for (const cred of creds) {
+    try {
+      // Decrypt before client creation (T-03-04: never expose decrypted value in logs)
+      const appPassword = decryptPassword(cred.encryptedPassword)
+
+      const client = await createFastmailClient(cred.fastmailEmail, appPassword)
+      const davCalendars = await client.fetchCalendars()
+
+      for (const davCal of davCalendars) {
+        // Look up the stored calendar row to get the known ctag (D-13)
+        const [stored] = await db
+          .select()
+          .from(calendars)
+          .where(eq(calendars.url, davCal.url))
+          .limit(1)
+
+        // ctag/syncToken: defensive null handling (Pitfall #6)
+        const knownCtag = stored?.ctag ?? null
+        const currentCtag = (davCal.ctag ?? davCal.syncToken ?? null) as string | null
+
+        // Skip if ctag is present on both sides and unchanged
+        if (currentCtag !== null && currentCtag === knownCtag) {
+          continue
+        }
+
+        await syncCalendar(client, davCal, cred.userId)
+      }
+    } catch (err) {
+      // Log the error but do NOT log the app password or key (T-03-04)
+      console.error(
+        `[broker/poller] Error processing credential id=${cred.id} (${cred.fastmailEmail}):`,
+        err instanceof Error ? err.message : String(err),
+      )
+    }
+  }
+}
+
+/**
+ * Starts the 5-minute background polling schedule.
+ * Call once at API startup (Plan 04 wires this into index.ts).
+ */
+export function startBrokerPoller(): void {
+  schedule('*/5 * * * *', () => {
+    runPoll().catch((err: unknown) => {
+      console.error('[broker/poller] Unhandled runPoll error:', err)
+    })
+  })
+}