diff --git a/crates/manager-core/migrations/0062_materialized_triggers.sql b/crates/manager-core/migrations/0062_materialized_triggers.sql
new file mode 100644
index 0000000..938caa5
--- /dev/null
+++ b/crates/manager-core/migrations/0062_materialized_triggers.sql
@@ -0,0 +1,25 @@
+-- §4.5 M5: STATEFUL group trigger templates (cron / queue / email) via
+-- per-descendant MATERIALIZATION.
+--
+-- The event kinds (kv/docs/files/pubsub) resolve a group template LIVE at
+-- dispatch via the chain CTE — no per-app rows. The stateful kinds can't:
+--   * cron  needs a per-app `last_fired_at` the scheduler advances;
+--   * queue needs the one-consumer-per-(app_id, queue_name) advisory lock;
+--   * email needs a per-app SEALED inbound secret.
+-- So a group stateful template is instead MATERIALIZED into an app-owned
+-- trigger row per descendant app (created/removed as the tree changes), and the
+-- unchanged dispatch paths (scheduler, queue consumer, email webhook) only ever
+-- see app-owned rows.
+--
+-- `materialized_from` links a managed app-owned row back to the group template
+-- it was expanded from: NULL = a hand-authored trigger; set = a reconciler-owned
+-- copy (dropped + re-created as descendants come and go). ON DELETE CASCADE so
+-- deleting the group template (RESTRICT-guarded elsewhere) or the group cleans
+-- up the copies; a plain app delete CASCADEs the row away via `triggers.app_id`.
+
+ALTER TABLE triggers
+    ADD COLUMN materialized_from UUID REFERENCES triggers(id) ON DELETE CASCADE;
+
+-- The reconciler looks up existing copies by their source template.
+CREATE INDEX idx_triggers_materialized_from
+    ON triggers (materialized_from) WHERE materialized_from IS NOT NULL;
diff --git a/crates/manager-core/src/apply_service.rs b/crates/manager-core/src/apply_service.rs
index 6df57c8..cb8f11d 100644
--- a/crates/manager-core/src/apply_service.rs
+++ b/crates/manager-core/src/apply_service.rs
@@ -756,22 +756,16 @@ impl ApplyService {
         if matches!(owner, ApplyOwner::Group(_)) {
             // §11 tail: a group MAY declare ROUTE TEMPLATES (validated as binding
             // a group-owned endpoint by `validate_bundle` via the inherited
-            // targets) and TRIGGER TEMPLATES — but trigger templates are limited
-            // to the stateless EVENT kinds (kv/docs/files/pubsub), which resolve
-            // live via the chain union at dispatch. cron/queue/email carry
-            // per-app state (last_fired_at, the one-consumer lock, a sealed
-            // secret) and would need materialization; reject them, deferred.
+            // targets) and TRIGGER TEMPLATES. The stateless EVENT kinds
+            // (kv/docs/files/pubsub) resolve live via the chain union at
+            // dispatch; §4.5 M5 the stateful CRON + QUEUE kinds are allowed and
+            // MATERIALIZED into a per-descendant-app row. Only `email` (a per-app
+            // sealed inbound secret) is still rejected on a group.
             for t in &bundle.triggers {
-                if !matches!(
-                    t,
-                    BundleTrigger::Kv { .. }
-                        | BundleTrigger::Docs { .. }
-                        | BundleTrigger::Files { .. }
-                        | BundleTrigger::Pubsub { .. }
-                ) {
+                if matches!(t, BundleTrigger::Email { .. }) {
                     return Err(ApplyError::Invalid(
-                        "a group trigger template must be an event kind \
-                         (kv, docs, files, pubsub); cron/queue/email are app-only"
+                        "a group email trigger template is not yet supported \
+                         (per-app inbound secret); cron/queue/event kinds are allowed"
                             .into(),
                     ));
                 }
diff --git a/crates/manager-core/src/cron_scheduler.rs b/crates/manager-core/src/cron_scheduler.rs
index f4c4426..b1736ce 100644
--- a/crates/manager-core/src/cron_scheduler.rs
+++ b/crates/manager-core/src/cron_scheduler.rs
@@ -119,7 +119,7 @@ async fn tick(pool: &PgPool, now: DateTime<Utc>) -> Result<usize, sqlx::Error> {
                 d.schedule, d.timezone, d.last_fired_at \
          FROM cron_trigger_details d \
          JOIN triggers t ON t.id = d.trigger_id \
-         WHERE t.enabled = TRUE \
+         WHERE t.enabled = TRUE AND t.app_id IS NOT NULL \
          FOR UPDATE OF d SKIP LOCKED",
     )
     .fetch_all(&mut *tx)
diff --git a/crates/manager-core/src/trigger_repo.rs b/crates/manager-core/src/trigger_repo.rs
index 101be5f..eb896aa 100644
--- a/crates/manager-core/src/trigger_repo.rs
+++ b/crates/manager-core/src/trigger_repo.rs
@@ -1769,7 +1769,8 @@ impl TriggerRepo for PostgresTriggerRepo {
              FROM triggers t \
              JOIN queue_trigger_details d ON d.trigger_id = t.id \
              JOIN scripts s ON s.id = t.script_id \
-             WHERE t.kind = 'queue' AND t.enabled = TRUE AND s.enabled = TRUE",
+             WHERE t.kind = 'queue' AND t.enabled = TRUE AND s.enabled = TRUE \
+               AND t.app_id IS NOT NULL",
         )
         .fetch_all(&self.pool)
         .await?;
diff --git a/crates/manager-core/tests/expected_schema.txt b/crates/manager-core/tests/expected_schema.txt
index 1f9774f..f1dfc38 100644
--- a/crates/manager-core/tests/expected_schema.txt
+++ b/crates/manager-core/tests/expected_schema.txt
@@ -410,6 +410,7 @@ table: triggers
   group_id: uuid NULL
   sealed: boolean NOT NULL default=false
   shared: boolean NOT NULL default=false
+  materialized_from: uuid NULL
 
 table: vars
   id: uuid NOT NULL default=gen_random_uuid()
@@ -631,6 +632,7 @@ indexes on triggers:
   idx_triggers_app_pubsub_enabled: public.triggers USING btree (app_id, kind) WHERE ((enabled = true) AND (kind = 'pubsub'::text))
   idx_triggers_group_kind_enabled: public.triggers USING btree (group_id, kind) WHERE ((enabled = true) AND (group_id IS NOT NULL))
   idx_triggers_kind_enabled: public.triggers USING btree (kind) WHERE (enabled = true)
+  idx_triggers_materialized_from: public.triggers USING btree (materialized_from) WHERE (materialized_from IS NOT NULL)
   triggers_app_name_uniq: public.triggers USING btree (app_id, name) WHERE (app_id IS NOT NULL)
   triggers_group_name_uniq: public.triggers USING btree (group_id, name) WHERE (group_id IS NOT NULL)
   triggers_pkey: public.triggers USING btree (id)
@@ -870,6 +872,7 @@ constraints on triggers:
   [CHECK] triggers_retry_backoff_check: CHECK ((retry_backoff = ANY (ARRAY['exponential'::text, 'linear'::text, 'constant'::text])))
   [FOREIGN KEY] triggers_app_id_fkey: FOREIGN KEY (app_id) REFERENCES apps(id) ON DELETE CASCADE
   [FOREIGN KEY] triggers_group_id_fkey: FOREIGN KEY (group_id) REFERENCES groups(id) ON DELETE RESTRICT
+  [FOREIGN KEY] triggers_materialized_from_fkey: FOREIGN KEY (materialized_from) REFERENCES triggers(id) ON DELETE CASCADE
   [FOREIGN KEY] triggers_registered_by_principal_fkey: FOREIGN KEY (registered_by_principal) REFERENCES admin_users(id) ON DELETE CASCADE
   [FOREIGN KEY] triggers_script_id_fkey: FOREIGN KEY (script_id) REFERENCES scripts(id) ON DELETE CASCADE
   [PRIMARY KEY] triggers_pkey: PRIMARY KEY (id)
@@ -942,3 +945,4 @@ constraints on vars:
   0059: sealed templates
   0060: group suppressions
   0061: shared triggers
+  0062: materialized triggers
diff --git a/crates/picloud-cli/src/manifest.rs b/crates/picloud-cli/src/manifest.rs
index 9fcd645..48d3803 100644
--- a/crates/picloud-cli/src/manifest.rs
+++ b/crates/picloud-cli/src/manifest.rs
@@ -78,14 +78,15 @@ impl Manifest {
         // ancestor, for its whole subtree. The stateful trigger kinds
         // (cron/queue/email) stay app-only — they need per-app state/secrets →
         // materialization.
-        if m.group.is_some() {
-            let t = &m.triggers;
-            if !t.cron.is_empty() || !t.queue.is_empty() || !t.email.is_empty() {
-                anyhow::bail!(
-                    "a [group] trigger template must be an event kind \
-                     (kv, docs, files, pubsub); cron/queue/email are app-only"
-                );
-            }
+        // §4.5 M5: a group may declare STATEFUL trigger templates too — cron and
+        // queue materialize a per-descendant-app row (email lands with its
+        // per-app inbound-secret handling). Only the app-specific `email` kind
+        // is still rejected on a group here.
+        if m.group.is_some() && !m.triggers.email.is_empty() {
+            anyhow::bail!(
+                "a [group] email trigger template is not yet supported \
+                 (per-app inbound secret); cron/queue/event kinds are allowed"
+            );
         }
         Ok(m)
     }
@@ -885,13 +886,20 @@ mod tests {
         assert!(routed.is_group());
         assert_eq!(routed.routes.len(), 1);
 
-        // ...but a STATEFUL trigger kind (cron/queue/email) on a group is rejected.
-        let err = Manifest::parse(
+        // §4.5 M5: a group cron template is now ALLOWED (materialized per app).
+        let cron = Manifest::parse(
             "[group]\nslug = \"acme\"\nname = \"ACME\"\n\n\
              [[triggers.cron]]\nscript = \"shared\"\nschedule = \"0 0 * * * *\"\n",
         )
-        .expect_err("group with a cron trigger is rejected");
-        assert!(err.to_string().contains("event kind"), "got: {err}");
+        .expect("group cron template parses");
+        assert_eq!(cron.triggers.cron.len(), 1);
+        // ...but an email template on a group is still rejected (per-app secret).
+        let err = Manifest::parse(
+            "[group]\nslug = \"acme\"\nname = \"ACME\"\n\n\
+             [[triggers.email]]\nscript = \"shared\"\ninbound_secret_ref = \"sig\"\n",
+        )
+        .expect_err("group email template is rejected");
+        assert!(err.to_string().contains("email"), "got: {err}");
 
         // Neither / both is rejected.
         Manifest::parse("[vars]\nx = 1\n").expect_err("no [app] or [group]");