diff --git a/src/components/BalanceDisplay.tsx b/src/components/BalanceDisplay.tsx
new file mode 100644
index 0000000..96b1678
--- /dev/null
+++ b/src/components/BalanceDisplay.tsx
@@ -0,0 +1,266 @@
+/**
+ * BalanceDisplay
+ *
+ * Renders the wallet balance with support for all balance states:
+ *   - loading: shimmer / spinner while the balance is being fetched
+ *   - available: shows the numeric balance (may be zero or positive)
+ *   - unavailable: shows a friendly error with a retry button
+ *   - idle: no fetch attempted yet
+ *
+ * Accessibility: uses accessibilityRole="header" for the balance value and
+ * accessibilityRole="alert" for the unavailable state.
+ */
+
+import React, { useMemo } from 'react';
+import { View, Text, StyleSheet, ActivityIndicator, TouchableOpacity } from 'react-native';
+import { RefreshCw, AlertTriangle, EyeOff } from 'lucide-react-native';
+import { SIZES, RADIUS, ThemeColors } from '../constants/theme';
+import { useTheme } from '../hooks/useTheme';
+import type { BalanceState } from '../types/balance';
+import { describeBalanceState } from '../types/balance';
+import { formatAmount } from '../utils/amount';
+
+export interface BalanceDisplayProps {
+  /** The current balance state. */
+  state: BalanceState;
+  /** The numeric balance, only meaningful when state is 'available'. */
+  balance: string;
+  /** The wallet public key for display. */
+  publicKey?: string | null;
+  /** Called when the user taps the retry / refresh action. */
+  onRetry?: () => void;
+  /** True while a retry is in flight. */
+  isRetrying?: boolean;
+  /** Optional label above the balance (e.g. "Total Balance (Testnet)"). */
+  label?: string;
+  /** Optional last-refreshed timestamp (epoch ms). */
+  lastRefreshed?: number | null | undefined;
+}
+
+function formatRelativeTime(timestamp: number): string {
+  const seconds = Math.floor((Date.now() - timestamp) / 1000);
+  if (seconds < 60) return 'just now';
+  const minutes = Math.floor(seconds / 60);
+  if (minutes < 60) return `${minutes}m ago`;
+  const hours = Math.floor(minutes / 60);
+  if (hours < 24) return `${hours}h ago`;
+  return `${Math.floor(hours / 24)}d ago`;
+}
+
+export const BalanceDisplay: React.FC<BalanceDisplayProps> = ({
+  state,
+  balance,
+  publicKey,
+  onRetry,
+  isRetrying = false,
+  label = 'Total Balance (Testnet)',
+  lastRefreshed,
+}) => {
+  const { colors } = useTheme();
+  const styles = useMemo(() => createStyles(colors), [colors]);
+  const copy = useMemo(() => describeBalanceState(state), [state]);
+
+  // ── Loading state ─────────────────────────────────────────────────
+  if (state === 'idle' || state === 'loading') {
+    return (
+      <View style={styles.card} accessibilityLabel="Balance loading">
+        <Text style={styles.label}>{label}</Text>
+        <View style={styles.loadingRow}>
+          <ActivityIndicator color={colors.primary} size="small" style={{ marginRight: SIZES.sm }} />
+          <Text style={styles.loadingText}>{copy.title}</Text>
+        </View>
+        {publicKey ? (
+          <Text style={styles.publicKey} numberOfLines={1} ellipsizeMode="middle">
+            {publicKey}
+          </Text>
+        ) : null}
+      </View>
+    );
+  }
+
+  // ── Unavailable state ────────────────────────────────────────────
+  if (state === 'unavailable') {
+    return (
+      <View
+        style={[styles.card, styles.cardUnavailable]}
+        accessibilityRole="alert"
+        accessibilityLabel={`Balance unavailable. ${copy.message}`}
+      >
+        <View style={styles.unavailableHeader}>
+          <AlertTriangle color={colors.warning} size={18} style={{ marginRight: SIZES.sm }} />
+          <Text style={styles.unavailableTitle}>{copy.title}</Text>
+        </View>
+        <Text style={styles.unavailableMessage}>{copy.message}</Text>
+        {publicKey ? (
+          <Text style={styles.publicKey} numberOfLines={1} ellipsizeMode="middle">
+            {publicKey}
+          </Text>
+        ) : null}
+        {onRetry && copy.retryLabel ? (
+          <TouchableOpacity
+            style={styles.retryButton}
+            onPress={onRetry}
+            disabled={isRetrying}
+            accessibilityRole="button"
+            accessibilityLabel={copy.retryLabel}
+            activeOpacity={0.7}
+          >
+            <RefreshCw
+              color={isRetrying ? colors.textMuted : colors.primary}
+              size={14}
+              style={{ marginRight: 4 }}
+            />
+            <Text style={[styles.retryText, isRetrying && styles.retryTextDisabled]}>
+              {isRetrying ? 'Refreshing…' : copy.retryLabel}
+            </Text>
+          </TouchableOpacity>
+        ) : null}
+      </View>
+    );
+  }
+
+  // ── Available state (zero or positive) ───────────────────────────
+  const isZero = balance === '0.0000000' || parseFloat(balance) === 0;
+
+  return (
+    <View style={styles.card} accessibilityRole="header" accessibilityLabel={`Balance: ${formatAmount(balance)} XLM`}>
+      <Text style={styles.label}>{label}</Text>
+      <Text style={[styles.balanceValue, isZero && styles.balanceZero]}>
+        {formatAmount(balance)} XLM
+      </Text>
+      {publicKey ? (
+        <Text style={styles.publicKey} numberOfLines={1} ellipsizeMode="middle">
+          {publicKey}
+        </Text>
+      ) : null}
+      {lastRefreshed != null && (
+        <View style={styles.lastRefreshedRow}>
+          <RefreshCw color={colors.textMuted} size={12} />
+          <Text style={styles.lastRefreshedText}>
+            Updated {formatRelativeTime(lastRefreshed)}
+          </Text>
+        </View>
+      )}
+      {isZero && (
+        <View style={styles.zeroBanner}>
+          <EyeOff color={colors.textMuted} size={14} style={{ marginRight: 4 }} />
+          <Text style={styles.zeroText}>
+            This account has no XLM balance. Use "Fund with Friendbot" below to get testnet XLM.
+          </Text>
+        </View>
+      )}
+    </View>
+  );
+};
+
+const createStyles = (colors: ThemeColors) =>
+  StyleSheet.create({
+    card: {
+      backgroundColor: colors.surface,
+      padding: SIZES.xl,
+      borderRadius: RADIUS.lg,
+      alignItems: 'center',
+      marginBottom: SIZES.xl,
+      borderWidth: 1,
+      borderColor: colors.border,
+    },
+    cardUnavailable: {
+      borderColor: colors.warning,
+      borderStyle: 'dashed',
+    },
+    label: {
+      color: colors.textSecondary,
+      fontSize: 14,
+      marginBottom: SIZES.xs,
+    },
+    balanceValue: {
+      color: colors.textPrimary,
+      fontSize: 36,
+      fontWeight: 'bold',
+      marginBottom: SIZES.sm,
+    },
+    balanceZero: {
+      color: colors.textMuted,
+    },
+    publicKey: {
+      color: colors.textMuted,
+      fontSize: 12,
+      backgroundColor: colors.background,
+      paddingHorizontal: SIZES.md,
+      paddingVertical: SIZES.xs,
+      borderRadius: RADIUS.round,
+      overflow: 'hidden',
+      maxWidth: '100%',
+    },
+    lastRefreshedRow: {
+      flexDirection: 'row',
+      alignItems: 'center',
+      gap: 4,
+      marginTop: SIZES.sm,
+    },
+    lastRefreshedText: {
+      color: colors.textMuted,
+      fontSize: 11,
+    },
+    loadingRow: {
+      flexDirection: 'row',
+      alignItems: 'center',
+      justifyContent: 'center',
+      marginBottom: SIZES.sm,
+    },
+    loadingText: {
+      color: colors.textSecondary,
+      fontSize: 16,
+    },
+    unavailableHeader: {
+      flexDirection: 'row',
+      alignItems: 'center',
+      marginBottom: SIZES.sm,
+    },
+    unavailableTitle: {
+      color: colors.warning,
+      fontSize: 16,
+      fontWeight: '600',
+    },
+    unavailableMessage: {
+      color: colors.textSecondary,
+      fontSize: 13,
+      textAlign: 'center',
+      lineHeight: 18,
+      marginBottom: SIZES.sm,
+    },
+    retryButton: {
+      flexDirection: 'row',
+      alignItems: 'center',
+      paddingHorizontal: SIZES.md,
+      paddingVertical: SIZES.sm,
+      borderRadius: RADIUS.sm,
+      borderWidth: 1,
+      borderColor: colors.primary,
+      marginTop: SIZES.xs,
+    },
+    retryText: {
+      color: colors.primary,
+      fontSize: 13,
+      fontWeight: '600',
+    },
+    retryTextDisabled: {
+      color: colors.textMuted,
+    },
+    zeroBanner: {
+      flexDirection: 'row',
+      alignItems: 'flex-start',
+      backgroundColor: 'rgba(160, 170, 191, 0.08)',
+      paddingHorizontal: SIZES.sm,
+      paddingVertical: SIZES.sm,
+      borderRadius: RADIUS.sm,
+      marginTop: SIZES.md,
+      width: '100%',
+    },
+    zeroText: {
+      flex: 1,
+      color: colors.textSecondary,
+      fontSize: 12,
+      lineHeight: 16,
+    },
+  });
diff --git a/src/store/walletStore.ts b/src/store/walletStore.ts
index 18c96e1..b1221bd 100644
--- a/src/store/walletStore.ts
+++ b/src/store/walletStore.ts
@@ -85,6 +85,8 @@ const resetWalletState = () => ({
   isLoadingMore: false,
   hasMoreTransactions: false,
   nextCursor: null,
+  balanceState: 'idle' as BalanceState,
+  fundingStatus: 'unknown' as FundingStatus,
 });
 
 const parseStoredSecret = (storedValue: string): string | null => {