Deduct gift-locked coins from the spendable balance

Coins reserved behind unclaimed gift links were already excluded from
spending, but the headline balance still counted them. Show the spendable
balance (total minus gift locks) as the headline and surface the locked
amount as its own line, so a gift debits immediately rather than at claim.

Co-Authored-By: Claude Opus 4.8 (1M context) <[email protected]>

1 files changed, 12 insertions, 5 deletions

diff --git a/src/app.js b/src/app.js
index 4aca644..ae21240 100644
--- a/src/app.js
+++ b/src/app.js
@@ -1450,18 +1450,25 @@ function offlineBanner() {
 function balanceCard() {
   // Only dim on the very first load; background updates happen silently.
   const firstLoad = wallet.scanning && !wallet.loaded;
+  const locked = wallet.lockedValue;
   return h(
     'div',
     { class: 'card balance' },
     h('div', { class: 'small faint', style: 'text-transform:uppercase;letter-spacing:.05em' }, t('balance')),
-    // Headline is the projected balance (confirmed + mempool), so a pending
-    // spend is debited immediately rather than waiting for confirmation.
-    h('div', { class: 'amt', style: firstLoad ? 'opacity:.3' : '' }, fmtAmount(wallet.total), ' ', unitTag('unit')),
-    wallet.pending > 0
+    // Headline is the spendable, projected balance (confirmed + mempool, minus
+    // coins locked in unclaimed gifts), so both a pending spend and a reserved
+    // gift are debited immediately rather than waiting to confirm/claim.
+    h('div', { class: 'amt', style: firstLoad ? 'opacity:.3' : '' }, fmtAmount(wallet.spendable), ' ', unitTag('unit')),
+    wallet.pending > 0 || locked > 0
       ? h(
           'div',
           { class: 'split' },
-          h('div', {}, h('div', { class: 'k' }, t('pending')), h('div', { class: 'v pending' }, fmtAmount(wallet.pending), ' ', unitTag()))
+          wallet.pending > 0
+            ? h('div', {}, h('div', { class: 'k' }, t('pending')), h('div', { class: 'v pending' }, fmtAmount(wallet.pending), ' ', unitTag()))
+            : null,
+          locked > 0
+            ? h('div', {}, h('div', { class: 'k' }, t('lockedInGifts')), h('div', { class: 'v' }, fmtAmount(locked), ' ', unitTag()))
+            : null
         )
       : null
   );