diff --git a/arm_statements/amounts.py b/arm_statements/amounts.py
index 208eab6..c89c711 100644
--- a/arm_statements/amounts.py
+++ b/arm_statements/amounts.py
@@ -73,7 +73,7 @@ def _guess(digits: str, text: str, sign_form: SignForm, *, negative: bool) -> Am
     """«Лучшая догадка»: цифры подряд, не длиннее 16, иначе значение не число."""
     if not digits or len(digits) > MAX_INTEGER_DIGITS:
         return AmountParse(None, text, False, sign_form)
-    amount = Decimal(digits)
+    amount = _quantize(Decimal(digits))
     return AmountParse(-amount if negative else amount, None, False, sign_form)
 
 
diff --git a/arm_statements/tests/golden/aep3_income.expected.json b/arm_statements/tests/golden/aep3_income.expected.json
index 4c8973e..781405e 100644
--- a/arm_statements/tests/golden/aep3_income.expected.json
+++ b/arm_statements/tests/golden/aep3_income.expected.json
@@ -241,7 +241,7 @@
       "values": [
         {
           "column_index": 2,
-          "amount": "428311",
+          "amount": "428311.00",
           "string_value": null,
           "text": "42831 1",
           "confidence": 90.0,
diff --git a/arm_statements/tests/test_amounts.py b/arm_statements/tests/test_amounts.py
index 859880f..c27a407 100644
--- a/arm_statements/tests/test_amounts.py
+++ b/arm_statements/tests/test_amounts.py
@@ -117,3 +117,12 @@ def test_sign_inside_parentheses_is_invalid(rules: Rules) -> None:
 def test_leading_comma_is_edge_trash(rules: Rules) -> None:
     parsed = parse_amount(",5", OCR, rules)
     assert (parsed.amount, parsed.is_recognized) == (D("5"), False)
+
+
+def test_guess_amount_is_quantized_to_cents(rules: Rules) -> None:
+    """T20.1: «лучшая догадка» квантуется как прочие пути; в контракте — две цифры после точки."""
+    parsed = parse_amount("42831 1", Source.OCR, rules)
+    assert parsed.amount == D("428311.00") and parsed.amount.as_tuple().exponent == -2  # noqa: PLR2004 — знаков после запятой
+    assert format(parsed.amount, "f") == "428311.00"
+    negative = parse_amount("(42831 1)", Source.OCR, rules)
+    assert negative.amount is not None and format(negative.amount, "f") == "-428311.00"