diff --git a/agent/turn_failure_copy.py b/agent/turn_failure_copy.py
index 1686f28c63..45e812d019 100644
--- a/agent/turn_failure_copy.py
+++ b/agent/turn_failure_copy.py
@@ -94,6 +94,9 @@ _EXIT_REASON_FAILURES: Tuple[Tuple[str, str, bool, bool], ...] = (
     # Advisory: the reasoning-only text may literally be the answer, and cron stays silent.
     ("empty_response_exhausted", "empty_response", True, False),
     ("all_retries_exhausted_no_response", FailoverReason.server_error.value, True, True),
+    # #55316/#54756: the loop stopped on a tool tail with no follow-up text; the
+    # finalizer synthesizes the visible close and fails the turn.
+    ("pending_tool_result", "loop_error", True, True),
     ("interpreter_shutdown", "interpreter_shutdown", False, True),
     # Advisory: a deterministic local bug is not a task failure for the kanban breaker.
     ("local_processing_error", "loop_error", False, False),
diff --git a/agent/turn_finalizer.py b/agent/turn_finalizer.py
index c8460bb4d0..da4f472462 100644
--- a/agent/turn_finalizer.py
+++ b/agent/turn_finalizer.py
@@ -505,6 +505,40 @@ def finalize_turn(
         logger=logger,
     )
 
+    # A non-interrupted turn that fell out of the loop after a tool result, with no
+    # follow-up assistant text, is the Desktop/TUI "silent stop" (#55316, #54756): the
+    # composer returns to ready (or keeps spinning) while the durable transcript ends
+    # at a raw ``tool`` row — the user never learns the turn stopped, and the next user
+    # message lands as ``tool → user``. Interrupted tails keep
+    # ``close_interrupted_tool_sequence``; this is the non-interrupt sibling. Mint the
+    # exit reason, fail the turn, and synthesize the visible close so the tail close in
+    # ``_persist_step`` persists an assistant row. A turn that already streamed text is
+    # left alone: ``_recover_final_from_stream`` owns that recovery (#95514).
+    if (
+        not final_response
+        and not interrupted
+        and messages
+        and isinstance(messages[-1], dict)
+        and messages[-1].get("role") == "tool"
+        and not (getattr(agent, "_current_streamed_assistant_text", "") or "").strip()
+    ):
+        _turn_exit_reason = "pending_tool_result"
+        failed = True
+        final_response = ""
+        try:
+            if agent._turn_completion_explainer_enabled():
+                final_response = (
+                    agent._format_turn_completion_explanation("pending_tool_result", None) or ""
+                )
+        except Exception:
+            final_response = ""
+        if not final_response:
+            # The turn-completion explainer opt-out must not reintroduce the silent stop.
+            final_response = (
+                "No reply: the turn stopped while a tool result was still pending. "
+                "Send `continue` to let the model summarize."
+            )
+
     # Loop exits that are failures in their own right (outer-loop error cap, shutdown, context
     # that could not be shrunk) carry the verdict the UI descriptor needs; a bare
     # ``turn_exit_reason`` collapsed to code="unknown", retryable=True on every surface.
diff --git a/tests/agent/test_turn_finalizer_interrupt_alternation.py b/tests/agent/test_turn_finalizer_interrupt_alternation.py
index 83158dafe3..081942c176 100644
--- a/tests/agent/test_turn_finalizer_interrupt_alternation.py
+++ b/tests/agent/test_turn_finalizer_interrupt_alternation.py
@@ -61,6 +61,8 @@ class _StubAgent:
         self.session_cost_status = "ok"
         self.session_cost_source = "stub"
         self.persisted_messages = None
+        # #95514 stream-recovery state read by the finalizer; None on a clean stub.
+        self._current_streamed_assistant_text: str | None = None
 
     # --- fallible cleanup surfaces (all succeed here) ------------------
     def _save_trajectory(self, *a, **k):
@@ -194,3 +196,65 @@ def test_interrupted_turn_with_diagnostic_text_is_not_completed():
     assert result["interrupted"] is True
     assert result["completed"] is False
     assert result["failed"] is False
+
+
+def _pending_tool_result_tail():
+    """A non-interrupted turn that fell out of the loop after a tool result, with no
+    follow-up assistant text — the #55316/#54756 "silent stop" shape."""
+    return [
+        {"role": "user", "content": "summarize the log"},
+        {
+            "role": "assistant",
+            "content": "",
+            "tool_calls": [
+                {"id": "c1", "function": {"name": "terminal", "arguments": "{}"}}
+            ],
+        },
+        {"role": "tool", "tool_call_id": "c1", "content": "log output"},
+    ]
+
+
+def test_non_interrupted_tool_tail_gets_visible_close():
+    """A turn that stops on a tool tail WITHOUT an interrupt must not return a silent,
+    ready-looking result: the finalizer fails the turn, mints the ``pending_tool_result``
+    exit reason, and persists a visible assistant close so the durable transcript does
+    not end at a raw ``tool`` row (#55316, #54756)."""
+    agent = _StubAgent()
+    messages = _pending_tool_result_tail()
+    result = _finalize(agent, messages, interrupted=False, final_response=None)
+
+    assert result["turn_exit_reason"] == "pending_tool_result"
+    assert result["failed"] is True
+    assert result["completed"] is False
+    assert result["final_response"].strip()
+    # The durable tail is an assistant row, not the raw tool result.
+    assert messages[-1]["role"] == "assistant"
+    assert messages[-1]["content"].strip()
+    assert agent.persisted_messages is not None
+    assert agent.persisted_messages[-1]["role"] == "assistant"
+    follow_on = agent.persisted_messages + [{"role": "user", "content": "continue"}]
+    _assert_no_tool_then_user(follow_on)
+
+
+def test_tool_tail_with_streamed_text_is_recovered_not_marked_pending():
+    """A turn whose stream already delivered text is #95514's stream-recovery case; the
+    ``pending_tool_result`` close must not fire over it."""
+    agent = _StubAgent()
+    agent._current_streamed_assistant_text = "Here is the summary you asked for."
+    messages = _pending_tool_result_tail()
+    result = _finalize(agent, messages, interrupted=False, final_response=None)
+
+    assert result["turn_exit_reason"] != "pending_tool_result"
+    assert result["final_response"] == "Here is the summary you asked for."
+    assert messages[-1]["role"] == "assistant"
+
+
+def test_tool_tail_with_non_tool_last_role_is_untouched():
+    """Only the tool-tail shape triggers the close; a plain user-tail turn keeps its
+    existing exit reason."""
+    agent = _StubAgent()
+    result = _finalize(
+        agent, [{"role": "user", "content": "hi"}], interrupted=False, final_response=None,
+    )
+    assert result["turn_exit_reason"] == "interrupted_by_user"  # unchanged passthrough
+    assert result["failed"] is False