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diff --git a/tools/ark-ln-savings-small-test.js b/tools/ark-ln-savings-small-test.js
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+++ b/tools/ark-ln-savings-small-test.js
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+// A Lightning invoice opened while Savings is selected, with Spending empty
+// and Savings under the server's board minimum (546 sats against coinos's
+// 1,000: "can you help me", 2026-11-03), used to offer "Move Savings into
+// Spending first" — a button whose board panel then said "Needs at least
+// 1,000 sats in Savings". The ask now says what Savings holds and what a move
+// needs, and offers the door that works: a Lightning receive into Spending.
+// With enough in Savings the move is offered as before, straight to the
+// board panel; the zap card asks the same question through a hook.
+// Run: bun tools/ark-ln-savings-small-test.js
+import { buildFeatures } from '../src/features/index.js';
+import { getArkConfig } from '../src/api.js';
+
+let fails = 0;
+const check = (name, ok, detail = '') => {
+  console.log(` ${ok ? '✓' : '✗'} ${name}${detail ? ' — ' + String(detail).slice(0, 200) : ''}`);
+  if (!ok) fails++;
+};
+
+globalThis.fetch = async () => { throw new Error('offline (test)'); };
+globalThis.window = undefined;
+globalThis.localStorage = {
+  _d: {}, getItem(k) { return this._d[k] ?? null; }, setItem(k, v) { this._d[k] = String(v); },
+  removeItem(k) { delete this._d[k]; }, key(i) { return Object.keys(this._d)[i] ?? null; },
+  get length() { return Object.keys(this._d).length; },
+};
+// the server's info as the app remembers it between sessions
+const cfg = getArkConfig();
+localStorage.setItem('btc-wallet-arkinfo:' + cfg.ark, JSON.stringify({ info: { minBoardAmountSat: 1000, boardFees: {} }, tip: 1, at: Date.now() }));
+
+const CHAIN_FEE = 150;
+const store = {};
+const wallet = {
+  watchOnly: false, offline: false, spendable: 546, feeRates: { halfHourFee: 1 },
+  utxos: [], txs: [], receive: [], change: [],
+  account: () => null,
+  loadFeatureState: (n, fb) => JSON.parse(store[n] || 'null') || fb,
+  saveFeatureState: (n, st) => { store[n] = JSON.stringify(st); },
+  _cacheKey: () => 'test', saveCache: () => {},
+  nostrPubkey: () => 'ab'.repeat(32),
+  registerCacheExtension: () => {}, registerRealtimeHook: () => {}, registerLoadHook: () => {},
+  registerScanHook: () => {}, registerCacheSavedHook: () => {}, registerCoinLock: () => {},
+  loadArkState: () => null, saveArkState: () => {}, _arkNs: () => 'ns', _arkKey: () => 'k',
+  _arkHoldKey: () => 'h', _arkVtxoOwner: () => null, adoptArkState: () => null,
+  freshReceive: () => ({ address: 'bc1qtest' }), freshChange: () => ({ address: 'bc1qchange' }),
+  balance: () => ({ spendableSat: 0 }), emit: () => {}, on: () => {},
+  buildTx({ recipients }) {
+    const amount = recipients[0].amount;
+    if (amount + CHAIN_FEE > wallet.spendable) throw new Error('Insufficient funds for amount + fee.');
+    return { outputs: [{ amount }], fee: CHAIN_FEE };
+  },
+};
+const calls = [];
+const ui = { account: 'savings' };
+let features = [];
+const ctx = {
+  h: (tag, attrs, ...kids) => ({ tag, attrs: attrs || {}, kids: kids.flat().filter(Boolean) }),
+  ui, render: () => {}, wallet,
+  hook: (name, ...args) => { for (const f of features) if (f[name]) { const v = f[name](...args); if (v) return v; } return null; },
+  getAccount: () => ui.account, setAccount: (a, dir) => { calls.push(['setAccount', a]); ui.account = a; },
+  goHome: () => calls.push(['goHome']),
+  openMnemonic: async () => {},
+  fmtAmount: (n) => Number(n).toLocaleString('en-US'), unitLabel: () => 'sats', unitTag: () => 'sats', getUnit: () => 'sats',
+  parseAmount: (v) => parseInt(v, 10) || 0,
+  copyBtn: () => null, pasteBtn: () => null, toast: () => {}, blankSend: () => ({ recipients: [] }),
+  openExternal: () => {},
+};
+features = buildFeatures(ctx);
+const ark = features.find((f) => f.id === 'ark');
+
+const text = (n) => typeof n === 'string' ? n : n && n.kids ? n.kids.map(text).join(' ') : '';
+const buttons = (n, out = []) => { if (n && n.tag === 'button') out.push(n); if (n && n.kids) n.kids.forEach((k) => buttons(k, out)); return out; };
+const button = (tree, label) => buttons(tree).find((b) => text(b) === label);
+
+console.log('[546 sats in Savings, Spending empty, 175-sat invoice]');
+{
+  ui.arkLnFromSavings = { invoice: 'lnbc1750n1test', meta: null, amountSat: 175 };
+  const tree = ark.sendView();
+  const body = text(tree);
+  check('says what Savings holds and what a move needs', /Savings holds 546 sats, and a move into Spending needs at least 1,000 sats/.test(body), body);
+  check('no move button', !button(tree, 'Move Savings into Spending first'), buttons(tree).map(text).join(' | '));
+  check('hook answers: Savings cannot board', !ark.arkSavingsCanBoard());
+  const recv = button(tree, 'Receive over Lightning instead');
+  check('offers a Lightning receive', !!recv);
+  recv.attrs.onClick();
+  check('the receive door opens Spending (its Receive page) and closes the ask',
+    calls.some((c) => c[0] === 'setAccount' && c[1] === 'spending') && !ui.arkLnFromSavings && ui.account === 'spending', JSON.stringify(calls));
+}
+
+console.log('[1,000 sats in Savings: the minimum, but not the fee on top]');
+{
+  calls.length = 0; ui.account = 'savings'; wallet.spendable = 1000;
+  ui.arkLnFromSavings = { invoice: 'lnbc1750n1test', meta: null, amountSat: 175 };
+  const tree = ark.sendView();
+  check('still no move offered', !button(tree, 'Move Savings into Spending first') && !!button(tree, 'Receive over Lightning instead'), text(tree));
+}
+
+console.log('[5,000 sats in Savings]');
+{
+  calls.length = 0; ui.account = 'savings'; wallet.spendable = 5000;
+  ui.arkLnFromSavings = { invoice: 'lnbc1750n1test', meta: null, amountSat: 175 };
+  const tree = ark.sendView();
+  const body = text(tree);
+  check('the move is offered, with the confirmation note', /Move funds over from Savings first/.test(body) && !!button(tree, 'Move Savings into Spending first'), body);
+  check('no receive door', !button(tree, 'Receive over Lightning instead'));
+  check('hook answers: Savings can board', ark.arkSavingsCanBoard() === true);
+  button(tree, 'Move Savings into Spending first').attrs.onClick();
+  check('the move button opens the board panel toward Spending, prefilled at the minimum or more',
+    !ui.arkLnFromSavings && ui.arkMoveOpen && ui.arkMoveDir === 'toSpending' && parseInt(ui.arkBoardAmt, 10) >= 1000, `amt=${ui.arkBoardAmt} ${JSON.stringify(calls)}`);
+}
+
+console.log(fails ? `\n${fails} FAILED` : '\nall passed');
+process.exit(fails ? 1 : 0);