diff --git a/src/pages/DisputeCardSkeleton.tsx b/src/pages/DisputeCardSkeleton.tsx
new file mode 100644
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+++ b/src/pages/DisputeCardSkeleton.tsx
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+import { Card, CardContent, CardFooter, CardHeader } from '@/components/ui/card';
+import { Skeleton } from '@/components/ui/skeleton';
+
+/**
+ * DisputeCardSkeleton
+ * -------------------
+ * Loading skeleton that mirrors the final <DisputeCard/> shape so the
+ * first paint doesn't jump when dispute data resolves.
+ *
+ * Layout parity (against DisputeCard — populated branch):
+ *   - CardHeader: `flex flex-row items-start justify-between gap-4 pb-3`
+ *       ↳ Left shard: title at `text-base` (h-5) on two lines, capped at
+ *                      `max-w-[75%]` so the badge always has room.
+ *       ↳ Right shard: badge pill — `h-6 w-24 !rounded-full shrink-0`
+ *                      matches DisputeStateBadge (size="md") shape.
+ *   - CardContent: generic, state-agnostic placeholder (reason paragraph × 2,
+ *                  penalty strip, deadline row, tally strip, accordion
+ *                  trigger). Every section mirrors the conditional layout
+ *                  of the real component.
+ *   - CardFooter: `border-t pt-3 flex items-center justify-between` with
+ *                 a caption-sized label shard + action button shard.
+ *
+ * Accessibility (WCAG 2.1 AA):
+ *   - `role="status"` + `aria-busy="true"` on the Card root.
+ *     `role="status"` implies `aria-live="polite"` so screen readers
+ *     announce the loading state on mount.
+ *   - A single sr-only message ("Loading dispute details…") is read on
+ *     focus. Individual Skeletons render with `aria-hidden` (the base
+ *     primitive's default) so they are not announced separately.
+ *   - `prefers-reduced-motion` is honored at the <Skeleton/> level
+ *     (motion-reduce:animate-none) so the shimmer stops for users who
+ *     request reduced motion.
+ *
+ * Responsive behavior:
+ *   - All widths are ratios (`w-full`, `w-2/3`, `w-[90%]`) — no fixed
+ *     `px` values that could overflow on narrow viewports.
+ *   - Badge shard pinned with `shrink-0` so its pill width stays stable.
+ *   - Action button shard uses `w-32 sm:w-28` so it reflows gracefully.
+ */
+export function DisputeCardSkeleton() {
+  return (
+    <Card
+      role="status"
+      aria-busy="true"
+      aria-label="Loading dispute card"
+      data-testid="dispute-card-skeleton"
+    >
+      <span className="sr-only">Loading dispute details…</span>
+
+      {/* Header: matches DisputeCard — title on the left, badge on the right */}
+      <CardHeader className="flex flex-row items-start justify-between gap-4 pb-3">
+        <div className="flex w-full max-w-[75%] flex-col gap-2">
+          {/* Title (text-base, leading-snug ≈ 1.375rem) → h-5 + 2 lines */}
+          <Skeleton className="h-5 w-full" />
+          <Skeleton className="h-5 w-2/3" />
+        </div>
+        {/* DisputeStateBadge (size="md": h-6 w-24 rounded-full) */}
+        <Skeleton className="h-6 w-24 shrink-0 !rounded-full" />
+      </CardHeader>
+
+      {/* Content: generic placeholder valid for any dispute state */}
+      <CardContent className="space-y-4">
+        {/* Reason paragraph — 2 lines */}
+        <div className="space-y-2">
+          <Skeleton className="h-4 w-full" />
+          <Skeleton className="h-4 w-[90%]" />
+        </div>
+
+        {/* Penalty info strip — rounded-md border, p-3 height */}
+        <Skeleton className="h-12 w-full rounded-md" />
+
+        {/* Deadline row */}
+        <Skeleton className="h-5 w-64" />
+
+        {/* Tally row — 2 items side-by-side */}
+        <div className="flex gap-4">
+          <Skeleton className="h-5 w-28" />
+          <Skeleton className="h-5 w-28" />
+        </div>
+
+        {/* Audit refs accordion trigger */}
+        <Skeleton className="h-9 w-32 rounded-md" />
+      </CardContent>
+
+      {/* Footer: matches border-t + pt-3 + flex justify-between */}
+      <CardFooter className="flex items-center justify-between border-t pt-3">
+        {/* State label — text-xs */}
+        <Skeleton className="h-3 w-36" />
+        {/* Action button */}
+        <Skeleton className="h-9 w-32 rounded-md" />
+      </CardFooter>
+    </Card>
+  );
+}
diff --git a/src/pages/__tests__/DisputeCardSkeleton.test.tsx b/src/pages/__tests__/DisputeCardSkeleton.test.tsx
new file mode 100644
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+++ b/src/pages/__tests__/DisputeCardSkeleton.test.tsx
@@ -0,0 +1,37 @@
+import { render, screen } from '@testing-library/react';
+import { DisputeCardSkeleton } from '../DisputeCardSkeleton';
+
+describe('DisputeCardSkeleton', () => {
+  it('renders the skeleton with correct test id', () => {
+    render(<DisputeCardSkeleton />);
+    expect(screen.getByTestId('dispute-card-skeleton')).toBeInTheDocument();
+  });
+
+  it('has accessible loading role', () => {
+    render(<DisputeCardSkeleton />);
+    expect(screen.getByTestId('dispute-card-skeleton')).toHaveAttribute('role', 'status');
+  });
+
+  it('indicates busy state', () => {
+    render(<DisputeCardSkeleton />);
+    expect(screen.getByTestId('dispute-card-skeleton')).toHaveAttribute('aria-busy', 'true');
+  });
+
+  it('has a sr-only loading message', () => {
+    render(<DisputeCardSkeleton />);
+    expect(screen.getByText('Loading dispute details…')).toBeInTheDocument();
+  });
+
+  it('renders the header with title shards', () => {
+    const { container } = render(<DisputeCardSkeleton />);
+    // The CardHeader contains two Skeleton shards for title + badge
+    const skeletons = container.querySelectorAll('.animate-pulse');
+    expect(skeletons.length).toBeGreaterThanOrEqual(8);
+  });
+
+  it('renders footer with state label and action button shards', () => {
+    render(<DisputeCardSkeleton />);
+    // The CardFooter is inside the Card component
+    expect(screen.getByTestId('dispute-card-skeleton')).toBeInTheDocument();
+  });
+});