diff --git a/static/js/index.js b/static/js/index.js
index 1f6ccb9..3905bf3 100644
--- a/static/js/index.js
+++ b/static/js/index.js
@@ -1645,6 +1645,31 @@ window.app = Vue.createApp({
     isIncomeEntry(entry) {
       return Array.isArray(entry.tags) && entry.tags.includes('income-entry')
     },
+    // Per-currency split for multi-currency balances. Sign convention from the
+    // super-user perspective: positive fiat = user owes Libra (Receivable),
+    // negative fiat = Libra owes user (Payable). Distinct currencies can't be
+    // netted across each other (no spot rate), so we render them grouped by
+    // direction instead of one collapsed label.
+    owesYouFiat(fiatBalances) {
+      if (!fiatBalances) return {}
+      return Object.fromEntries(
+        Object.entries(fiatBalances).filter(([_, amount]) => Number(amount) > 0.005)
+      )
+    },
+    youOweFiat(fiatBalances) {
+      if (!fiatBalances) return {}
+      return Object.fromEntries(
+        Object.entries(fiatBalances)
+          .filter(([_, amount]) => Number(amount) < -0.005)
+          .map(([cur, amount]) => [cur, Math.abs(Number(amount))])
+      )
+    },
+    hasOwesYouFiat(fiatBalances) {
+      return Object.keys(this.owesYouFiat(fiatBalances)).length > 0
+    },
+    hasYouOweFiat(fiatBalances) {
+      return Object.keys(this.youOweFiat(fiatBalances)).length > 0
+    },
     formatFiat(amount, currency) {
       return new Intl.NumberFormat('en-US', {
         style: 'currency',
diff --git a/templates/libra/index.html b/templates/libra/index.html
index 04e7688..01de17a 100644
--- a/templates/libra/index.html
+++ b/templates/libra/index.html
@@ -187,16 +187,27 @@
           </template>
           <template v-slot:body-cell-balance="props">
             <q-td :props="props">
-              <div :class="props.row.balance > 0 ? 'text-positive' : 'text-negative'">
-                {% raw %}{{ formatSats(Math.abs(props.row.balance)) }} sats{% endraw %}
+              <!-- User owes you (org), per currency -->
+              <div v-if="hasOwesYouFiat(props.row.fiat_balances)" class="text-positive">
+                <div v-for="(amount, currency) in owesYouFiat(props.row.fiat_balances)" :key="'oy-' + currency">
+                  Owes you {% raw %}{{ formatFiat(amount, currency) }}{% endraw %}
+                </div>
               </div>
-              <div v-if="props.row.fiat_balances && Object.keys(props.row.fiat_balances).length > 0" class="text-caption">
-                <span v-for="(amount, currency) in props.row.fiat_balances" :key="currency" class="q-mr-sm">
-                  {% raw %}{{ formatFiat(Math.abs(amount), currency) }}{% endraw %}
-                </span>
+              <!-- You (org) owe user, per currency -->
+              <div v-if="hasYouOweFiat(props.row.fiat_balances)" class="text-negative">
+                <div v-for="(amount, currency) in youOweFiat(props.row.fiat_balances)" :key="'yo-' + currency">
+                  You owe {% raw %}{{ formatFiat(amount, currency) }}{% endraw %}
+                </div>
               </div>
-              <div class="text-caption text-grey">
-                {% raw %}{{ props.row.balance > 0 ? 'Owes you' : 'You owe' }}{% endraw %}
+              <!-- Fallback when there are no fiat balances (sats-only entries) -->
+              <div v-if="!hasOwesYouFiat(props.row.fiat_balances) && !hasYouOweFiat(props.row.fiat_balances)"
+                   :class="props.row.balance > 0 ? 'text-positive' : 'text-negative'">
+                {% raw %}{{ props.row.balance > 0 ? 'Owes you' : 'You owe' }} {{ formatSats(Math.abs(props.row.balance)) }} sats{% endraw %}
+              </div>
+              <!-- Net sats footnote (current-rate-derived; can't be netted across currencies) -->
+              <div v-if="hasOwesYouFiat(props.row.fiat_balances) || hasYouOweFiat(props.row.fiat_balances)"
+                   class="text-caption text-grey q-mt-xs">
+                Net (current rates): {% raw %}{{ formatSats(Math.abs(props.row.balance)) }} sats {{ props.row.balance > 0 ? '(receivable)' : '(payable)' }}{% endraw %}
               </div>
             </q-td>
           </template>