diff --git a/app/game-api/src/tournament/worker.ts b/app/game-api/src/tournament/worker.ts
index 5c7b30d..bbcca50 100644
--- a/app/game-api/src/tournament/worker.ts
+++ b/app/game-api/src/tournament/worker.ts
@@ -10,10 +10,47 @@ import {
 import { resolveGameApiConfigFromEnv } from '../config.js';
 import { RedisTurnDaemonTransport } from '../daemon/redisTransport.js';
 import { buildTurnDaemonStreamKeys } from '../daemon/streamKeys.js';
+import type { TurnDaemonTransport } from '../daemon/transport.js';
 import { buildTournamentKeys } from './keys.js';
 import { TournamentStore } from './store.js';
 import type { TournamentBetEntry, TournamentMatchEntry, TournamentParticipantEntry, TournamentState } from './types.js';
 
+type TournamentPrismaClient = {
+    general: {
+        findMany: (args: {
+            where: Record<string, unknown>;
+            select: Record<string, boolean>;
+        }) => Promise<
+            Array<{
+                id: number;
+                name: string;
+                leadership: number;
+                strength: number;
+                intel: number;
+                meta: unknown;
+                npcState: number;
+                gold?: number;
+            }>
+        >;
+        update: (args: { where: { id: number }; data: { gold: number } }) => Promise<unknown>;
+    };
+    worldState: {
+        findFirst: () => Promise<{ meta?: unknown; currentYear?: number } | null>;
+    };
+    $transaction: <T>(actions: Promise<T>[]) => Promise<T[]>;
+    errorLog: {
+        create: (args: {
+            data: {
+                category: string;
+                source: string;
+                message: string;
+                trace?: string;
+                context?: Record<string, unknown>;
+            };
+        }) => Promise<unknown>;
+    };
+};
+
 const sleepMs = (ms: number): Promise<void> => new Promise((resolve) => setTimeout(resolve, ms));
 
 const isBattleStage = (stage: number): boolean => stage >= 7 && stage <= 10;
@@ -125,7 +162,7 @@ const selectWeighted = <T>(rng: ReturnType<typeof createTournamentRng>, pool: Ar
 };
 
 const fillParticipants = async (options: {
-    prisma: ReturnType<typeof createGamePostgresConnector>['prisma'];
+    prisma: TournamentPrismaClient;
     state: TournamentState;
     baseSeed: string;
     current: TournamentParticipantEntry[];
@@ -478,7 +515,7 @@ const buildNextMatches = (
     return result;
 };
 
-const applyBattle = async (
+export const applyBattle = async (
     store: TournamentStore,
     state: TournamentState,
     baseSeed: string
@@ -585,7 +622,7 @@ const applyBattle = async (
     return nextState;
 };
 
-const buildBettingPayouts = (
+export const buildBettingPayouts = (
     winnerId: number,
     entries: TournamentBetEntry[]
 ): { payouts: Array<{ generalId: number; amount: number }>; total: number; refundAll: boolean } => {
@@ -607,7 +644,7 @@ const buildBettingPayouts = (
     return { payouts, total, refundAll: false };
 };
 
-const buildTournamentRewardPayload = (
+export const buildTournamentRewardPayload = (
     matches: TournamentMatchEntry[]
 ): { top16: number[]; top8: number[]; top4: number[]; winnerId: number; runnerUpId: number } => {
     const top16 = new Set<number>();
@@ -654,7 +691,7 @@ const resolveNumber = (source: Record<string, unknown>, keys: string[], fallback
 };
 
 const seedNpcBets = async (options: {
-    prisma: ReturnType<typeof createGamePostgresConnector>['prisma'];
+    prisma: TournamentPrismaClient;
     store: TournamentStore;
     state: TournamentState;
     baseSeed: string;
@@ -722,9 +759,9 @@ const seedNpcBets = async (options: {
     await store.setBettingEntries(entries);
 };
 
-const applyPreBattleStage = async (
+export const applyPreBattleStage = async (
     store: TournamentStore,
-    prisma: ReturnType<typeof createGamePostgresConnector>['prisma'],
+    prisma: TournamentPrismaClient,
     state: TournamentState,
     baseSeed: string
 ): Promise<TournamentState> => {
@@ -980,6 +1017,72 @@ const applyPreBattleStage = async (
     return state;
 };
 
+export const settleTournamentOutcome = async (options: {
+    store: TournamentStore;
+    daemonTransport: TurnDaemonTransport;
+    state: TournamentState;
+}): Promise<TournamentState | null> => {
+    const { store, daemonTransport, state } = options;
+    if (state.stage !== 0 || !state.winnerId) {
+        return null;
+    }
+
+    let settledState: TournamentState | null = null;
+
+    if (!state.rewardSettled) {
+        const matches = await store.getMatches();
+        const rewardPayload = buildTournamentRewardPayload(matches);
+        await daemonTransport.sendCommand({
+            type: 'tournamentReward',
+            tournamentType: state.type,
+            winnerId: rewardPayload.winnerId,
+            runnerUpId: rewardPayload.runnerUpId,
+            top16: rewardPayload.top16,
+            top8: rewardPayload.top8,
+            top4: rewardPayload.top4,
+        });
+        settledState = {
+            ...(settledState ?? state),
+            rewardSettled: true,
+        };
+    }
+
+    if (state.bettingId && !state.bettingSettled) {
+        const bettingEntries = await store.getBettingEntries();
+        if (bettingEntries.length > 0) {
+            const payoutInfo = buildBettingPayouts(state.winnerId, bettingEntries);
+            if (payoutInfo.payouts.length > 0) {
+                if (payoutInfo.refundAll) {
+                    await daemonTransport.sendCommand({
+                        type: 'tournamentRefund',
+                        bettingId: state.bettingId,
+                        refunds: payoutInfo.payouts,
+                        reason: 'no_winner',
+                    });
+                } else {
+                    await daemonTransport.sendCommand({
+                        type: 'tournamentBettingPayout',
+                        bettingId: state.bettingId,
+                        payouts: payoutInfo.payouts,
+                        reason: 'winner_payout',
+                    });
+                }
+            }
+        }
+
+        settledState = {
+            ...(settledState ?? state),
+            bettingSettled: true,
+        };
+    }
+
+    if (settledState) {
+        await store.setState(settledState);
+    }
+
+    return settledState;
+};
+
 
 export const runTournamentWorker = async (): Promise<void> => {
     const config = resolveGameApiConfigFromEnv();
@@ -1026,60 +1129,11 @@ export const runTournamentWorker = async (): Promise<void> => {
                 nextState = await applyPreBattleStage(store, postgres.prisma, state, String(baseSeed));
             }
 
-            if (nextState.stage === 0 && nextState.winnerId) {
-                let settledState: TournamentState | null = null;
-
-                if (!nextState.rewardSettled) {
-                    const matches = await store.getMatches();
-                    const rewardPayload = buildTournamentRewardPayload(matches);
-                    await daemonTransport.sendCommand({
-                        type: 'tournamentReward',
-                        tournamentType: nextState.type,
-                        winnerId: rewardPayload.winnerId,
-                        runnerUpId: rewardPayload.runnerUpId,
-                        top16: rewardPayload.top16,
-                        top8: rewardPayload.top8,
-                        top4: rewardPayload.top4,
-                    });
-                    settledState = {
-                        ...(settledState ?? nextState),
-                        rewardSettled: true,
-                    };
-                }
-
-                if (nextState.bettingId && !nextState.bettingSettled) {
-                    const bettingEntries = await store.getBettingEntries();
-                    if (bettingEntries.length > 0) {
-                        const payoutInfo = buildBettingPayouts(nextState.winnerId, bettingEntries);
-                        if (payoutInfo.payouts.length > 0) {
-                            if (payoutInfo.refundAll) {
-                                await daemonTransport.sendCommand({
-                                    type: 'tournamentRefund',
-                                    bettingId: nextState.bettingId,
-                                    refunds: payoutInfo.payouts,
-                                    reason: 'no_winner',
-                                });
-                            } else {
-                                await daemonTransport.sendCommand({
-                                    type: 'tournamentBettingPayout',
-                                    bettingId: nextState.bettingId,
-                                    payouts: payoutInfo.payouts,
-                                    reason: 'winner_payout',
-                                });
-                            }
-                        }
-                    }
-
-                    settledState = {
-                        ...(settledState ?? nextState),
-                        bettingSettled: true,
-                    };
-                }
-
-                if (settledState) {
-                    await store.setState(settledState);
-                }
-            }
+            await settleTournamentOutcome({
+                store,
+                daemonTransport,
+                state: nextState,
+            });
         } catch (error) {
             const message = error instanceof Error ? error.message : 'Unknown error';
             const trace = error instanceof Error ? error.stack : undefined;
diff --git a/app/game-api/test/tournamentWorker.test.ts b/app/game-api/test/tournamentWorker.test.ts
new file mode 100644
index 0000000..77d19e2
--- /dev/null
+++ b/app/game-api/test/tournamentWorker.test.ts
@@ -0,0 +1,358 @@
+import { describe, expect, it } from 'vitest';
+import { TournamentType } from '@sammo-ts/logic';
+import type { TurnDaemonCommand } from '@sammo-ts/common';
+
+import { TournamentStore } from '../src/tournament/store.js';
+import { buildTournamentKeys } from '../src/tournament/keys.js';
+import type { TournamentBetEntry, TournamentMatchEntry, TournamentParticipantEntry, TournamentState } from '../src/tournament/types.js';
+import {
+    applyBattle,
+    applyPreBattleStage,
+    settleTournamentOutcome,
+} from '../src/tournament/worker.js';
+import type { TurnDaemonTransport } from '../src/daemon/transport.js';
+import { createTournamentAutoStartHandler } from '../../game-engine/src/turn/tournamentAutoStart.js';
+
+class MemoryRedis {
+    private readonly store = new Map<string, string>();
+
+    async get(key: string): Promise<string | null> {
+        return this.store.get(key) ?? null;
+    }
+
+    async set(key: string, value: string): Promise<string> {
+        this.store.set(key, value);
+        return 'OK';
+    }
+}
+
+const isRecord = (value: unknown): value is Record<string, unknown> => typeof value === 'object' && value !== null;
+
+const createTournamentState = (overrides: Partial<TournamentState> = {}): TournamentState => {
+    const now = new Date().toISOString();
+    return {
+        stage: 1,
+        phase: 0,
+        type: TournamentType.TOTAL,
+        auto: true,
+        openYear: 1,
+        openMonth: 2,
+        termSeconds: 10,
+        nextAt: now,
+        bettingId: undefined,
+        bettingCloseAt: undefined,
+        winnerId: undefined,
+        bettingSettled: false,
+        rewardSettled: false,
+        participantsLockedAt: undefined,
+        lastError: undefined,
+        lastErrorAt: undefined,
+        ...overrides,
+    };
+};
+
+const createParticipants = (high: number, mid: number, low: number): TournamentParticipantEntry[] => {
+    const result: TournamentParticipantEntry[] = [];
+    let cursor = 1;
+    for (let i = 0; i < high; i += 1) {
+        result.push({
+            id: cursor,
+            name: `상급${cursor}`,
+            leadership: 90,
+            strength: 90,
+            intel: 90,
+            level: 50,
+        });
+        cursor += 1;
+    }
+    for (let i = 0; i < mid; i += 1) {
+        result.push({
+            id: cursor,
+            name: `중급${cursor}`,
+            leadership: 60,
+            strength: 60,
+            intel: 60,
+            level: 30,
+        });
+        cursor += 1;
+    }
+    for (let i = 0; i < low; i += 1) {
+        result.push({
+            id: cursor,
+            name: `하급${cursor}`,
+            leadership: 30,
+            strength: 30,
+            intel: 30,
+            level: 10,
+        });
+        cursor += 1;
+    }
+    return result;
+};
+
+const createPrismaMock = (options: {
+    applicants?: Array<{
+        id: number;
+        name: string;
+        leadership: number;
+        strength: number;
+        intel: number;
+        meta: Record<string, unknown>;
+        npcState: number;
+    }>;
+    npcs?: Array<{
+        id: number;
+        name: string;
+        leadership: number;
+        strength: number;
+        intel: number;
+        meta: Record<string, unknown>;
+        npcState: number;
+    }>;
+    npcBetting?: Array<{
+        id: number;
+        name: string;
+        leadership: number;
+        strength: number;
+        intel: number;
+        meta: Record<string, unknown>;
+        npcState: number;
+        gold: number;
+    }>;
+    baseSeed?: string;
+    currentYear?: number;
+}) => {
+    const applicants = options.applicants ?? [];
+    const npcs = options.npcs ?? [];
+    const npcBetting = options.npcBetting ?? [];
+
+    return {
+        general: {
+            findMany: async (args: { where: Record<string, unknown>; select: Record<string, boolean> }) => {
+                const where = args.where;
+                if (isRecord(where) && 'meta' in where) {
+                    return applicants.filter((entry) => {
+                        const meta = isRecord(entry.meta) ? entry.meta : {};
+                        return meta.tnmt === 1;
+                    });
+                }
+                if (isRecord(where)) {
+                    const npcState = isRecord(where.npcState) ? where.npcState : null;
+                    if (isRecord(npcState) && typeof npcState.gte === 'number') {
+                        const gold = isRecord(where.gold) ? where.gold : null;
+                        if (isRecord(gold) && typeof gold.gte === 'number') {
+                            return npcBetting;
+                        }
+                        return npcs;
+                    }
+                }
+                return [];
+            },
+            update: async () => ({ ok: true }),
+        },
+        worldState: {
+            findFirst: async () => ({
+                meta: { hiddenSeed: options.baseSeed ?? 'seed' },
+                currentYear: options.currentYear ?? 1,
+            }),
+        },
+        $transaction: async (actions: Promise<unknown>[]) => Promise.all(actions),
+        errorLog: {
+            create: async () => ({ ok: true }),
+        },
+    };
+};
+
+const runTournamentToCompletion = async (options: {
+    store: TournamentStore;
+    prisma: ReturnType<typeof createPrismaMock>;
+    baseSeed: string;
+}): Promise<TournamentState> => {
+    let state = await options.store.getState();
+    if (!state) {
+        throw new Error('토너먼트 상태가 없습니다.');
+    }
+
+    for (let i = 0; i < 2000; i += 1) {
+        if (state.stage === 0) {
+            return state;
+        }
+        if (state.stage === 6) {
+            const closedAt = new Date(Date.now() - 1000).toISOString();
+            state = { ...state, bettingCloseAt: closedAt, nextAt: closedAt };
+            await options.store.setState(state);
+        }
+        if (state.stage >= 1 && state.stage <= 6) {
+            state = await applyPreBattleStage(options.store, options.prisma, state, options.baseSeed);
+            continue;
+        }
+        if (state.stage >= 7 && state.stage <= 10) {
+            state = await applyBattle(options.store, state, options.baseSeed);
+            continue;
+        }
+        break;
+    }
+
+    throw new Error('토너먼트가 결승까지 진행되지 않았습니다.');
+};
+
+const delayTick = async (): Promise<void> => new Promise((resolve) => setTimeout(resolve, 0));
+
+describe('tournament worker (in-memory)', () => {
+    it('64명(상/중/하 스탯)으로 결승까지 진행된다', async () => {
+        const redis = new MemoryRedis();
+        const store = new TournamentStore(redis, buildTournamentKeys('test'));
+        const participants = createParticipants(16, 16, 32);
+        const state = createTournamentState({ stage: 1 });
+        await store.setParticipants(participants);
+        await store.setState(state);
+
+        const prisma = createPrismaMock({ baseSeed: 'seed' });
+        const finalState = await runTournamentToCompletion({ store, prisma, baseSeed: 'seed' });
+        const matches = await store.getMatches();
+
+        expect(finalState.stage).toBe(0);
+        expect(finalState.winnerId).toBeDefined();
+        expect(matches.some((match) => match.stage === 10 && match.winnerId)).toBe(true);
+    });
+
+    it('우승 결과에 따라 베팅 정산 명령이 생성된다', async () => {
+        const redis = new MemoryRedis();
+        const store = new TournamentStore(redis, buildTournamentKeys('test-bet'));
+        const matches: TournamentMatchEntry[] = [
+            { id: 1, stage: 10, roundIndex: 0, attackerId: 10, defenderId: 11, winnerId: 10 },
+        ];
+        const entries: TournamentBetEntry[] = [
+            { generalId: 1, targetId: 10, amount: 100 },
+            { generalId: 2, targetId: 11, amount: 200 },
+        ];
+        const state = createTournamentState({
+            stage: 0,
+            auto: false,
+            winnerId: 10,
+            bettingId: 123,
+            rewardSettled: false,
+            bettingSettled: false,
+        });
+        await store.setMatches(matches);
+        await store.setBettingEntries(entries);
+        await store.setState(state);
+
+        const sent: TurnDaemonCommand[] = [];
+        const transport: TurnDaemonTransport = {
+            sendCommand: async (command) => {
+                sent.push(command);
+                return 'ok';
+            },
+            requestCommand: async () => null,
+            requestStatus: async () => null,
+        };
+
+        await settleTournamentOutcome({ store, daemonTransport: transport, state });
+
+        const rewardCommand = sent.find((command) => command.type === 'tournamentReward');
+        const bettingCommand = sent.find((command) => command.type === 'tournamentBettingPayout');
+
+        expect(rewardCommand).toBeDefined();
+        expect(bettingCommand).toBeDefined();
+        if (bettingCommand && bettingCommand.type === 'tournamentBettingPayout') {
+            expect(bettingCommand.payouts).toEqual([{ generalId: 1, amount: 300 }]);
+        }
+    });
+
+    it('자동 오픈 후 참가자 보충(NPC/더미 포함)하고 결승까지 진행된다', async () => {
+        const redis = new MemoryRedis();
+        const handler = createTournamentAutoStartHandler({
+            profileName: 'auto',
+            getRedisClient: () => redis,
+            getWorldConfig: () => ({ tournamentTrig: true }),
+            getTickSeconds: () => 600,
+        });
+        handler.onMonthChanged?.({
+            previousYear: 1,
+            previousMonth: 1,
+            currentYear: 1,
+            currentMonth: 2,
+            turnTime: new Date(),
+        });
+        await delayTick();
+
+        const store = new TournamentStore(redis, buildTournamentKeys('auto'));
+        const state = await store.getState();
+        expect(state?.stage).toBe(1);
+
+        const autoApplicants = [
+            {
+                id: 1,
+                name: '자동참가1',
+                leadership: 70,
+                strength: 70,
+                intel: 70,
+                meta: { tnmt: 1, explevel: 20 },
+                npcState: 0,
+            },
+            {
+                id: 2,
+                name: '자동참가2',
+                leadership: 65,
+                strength: 65,
+                intel: 65,
+                meta: { tnmt: 1, explevel: 18 },
+                npcState: 0,
+            },
+            {
+                id: 99,
+                name: '비자동참가',
+                leadership: 80,
+                strength: 80,
+                intel: 80,
+                meta: { tnmt: 0, explevel: 25 },
+                npcState: 0,
+            },
+        ];
+        const npcs = [
+            {
+                id: 1001,
+                name: 'NPC1',
+                leadership: 40,
+                strength: 40,
+                intel: 40,
+                meta: { explevel: 12 },
+                npcState: 2,
+            },
+            {
+                id: 1002,
+                name: 'NPC2',
+                leadership: 35,
+                strength: 35,
+                intel: 35,
+                meta: { explevel: 10 },
+                npcState: 2,
+            },
+        ];
+
+        const prisma = createPrismaMock({
+            applicants: autoApplicants,
+            npcs,
+            baseSeed: 'seed',
+        });
+
+        const initialState = state ?? createTournamentState({ stage: 1 });
+        await store.setState(initialState);
+        const afterJoin = await applyPreBattleStage(store, prisma, initialState, 'seed');
+        const participants = await store.getParticipants();
+
+        expect(afterJoin.stage).toBe(2);
+        expect(participants).toHaveLength(64);
+        expect(participants.some((entry) => entry.id === 1)).toBe(true);
+        expect(participants.some((entry) => entry.id === 2)).toBe(true);
+        expect(participants.some((entry) => entry.id === 99)).toBe(false);
+        expect(participants.some((entry) => entry.id === 1001)).toBe(true);
+        expect(participants.some((entry) => entry.id < 0)).toBe(true);
+
+        await store.setState(afterJoin);
+        const finalState = await runTournamentToCompletion({ store, prisma, baseSeed: 'seed' });
+        expect(finalState.stage).toBe(0);
+        expect(finalState.winnerId).toBeDefined();
+    });
+});