diff --git a/fava_client.py b/fava_client.py
index 8dcf31c..c61e1d9 100644
--- a/fava_client.py
+++ b/fava_client.py
@@ -820,10 +820,15 @@ class FavaClient:
         # GROUP BY currency prevents mixing EUR and SATS face values in sum(number).
         # sum(weight) gives SATS for both EUR @@ SATS entries and plain SATS entries.
         # sum(number) on EUR rows gives the fiat amount; on SATS rows gives sats paid.
+        # Credit is the overpay-absorbing liability per libra-#41 — it lives
+        # on the same per-user namespace as Payable and contributes to the
+        # user's net obligation with the same sign as Payable (negative on
+        # Liabilities means libra owes user). Folding it into the same query
+        # means the displayed net always already accounts for credit.
         query = f"""
             SELECT account, currency, sum(number), sum(weight)
             WHERE account ~ ':User-{user_id_prefix}'
-            AND (account ~ 'Payable' OR account ~ 'Receivable')
+            AND (account ~ 'Payable' OR account ~ 'Receivable' OR account ~ 'Credit')
             AND flag = '*'
             GROUP BY account, currency
         """
@@ -970,10 +975,11 @@ class FavaClient:
         """
         from decimal import Decimal
 
-        # GROUP BY currency prevents mixing EUR and SATS face values in sum(number)
+        # GROUP BY currency prevents mixing EUR and SATS face values in sum(number).
+        # Credit per libra-#41 — see get_user_balance_bql for the rationale.
         query = """
             SELECT account, currency, sum(number), sum(weight)
-            WHERE (account ~ 'Payable:User-' OR account ~ 'Receivable:User-')
+            WHERE (account ~ 'Payable:User-' OR account ~ 'Receivable:User-' OR account ~ 'Credit:User-')
             AND flag = '*'
             GROUP BY account, currency
         """
diff --git a/models.py b/models.py
index 70abca4..8be64c9 100644
--- a/models.py
+++ b/models.py
@@ -96,6 +96,11 @@ class UserBalance(BaseModel):
     user_id: str
     balance: int  # positive = libra owes user, negative = user owes libra
     accounts: list[Account] = []
+    # Per-account breakdown surfaced from get_user_balance_bql so UIs (libra
+    # extension dashboard + webapp) can render Payable / Receivable / Credit
+    # as distinct line items. Each entry: {"account": str, "sats": int,
+    # "eur": Decimal}. Wired up for libra-#41's display contract.
+    account_balances: list[dict] = []
     fiat_balances: dict[str, Decimal] = {}  # e.g. {"EUR": Decimal("250.0"), "USD": Decimal("100.0")}
     # Lifetime totals (original entries only; not net of reconciliation)
     total_expenses_sats: int = 0
diff --git a/views_api.py b/views_api.py
index 2f41cec..032c15d 100644
--- a/views_api.py
+++ b/views_api.py
@@ -1609,7 +1609,8 @@ async def api_get_my_balance(
     return UserBalance(
         user_id=wallet.wallet.user,
         balance=balance_data["balance"],
-        accounts=[],  # Could populate from balance_data["accounts"] if needed
+        accounts=[],
+        account_balances=balance_data.get("accounts", []),
         fiat_balances=balance_data["fiat_balances"],
         total_expenses_sats=totals["total_expenses_sats"],
         total_expenses_fiat=totals["total_expenses_fiat"],