diff --git a/src/accounting-app/views/BalancePage.vue b/src/accounting-app/views/BalancePage.vue
index 93ce27f..1335021 100644
--- a/src/accounting-app/views/BalancePage.vue
+++ b/src/accounting-app/views/BalancePage.vue
@@ -25,8 +25,24 @@ const totalIncomeFiat = ref<Record<string, number>>({})
 const pendingTransactions = ref<Transaction[]>([])
 const isLoading = ref(true)
 
-const fiatBalanceEntries = computed(() =>
-  Object.entries(fiatBalances.value).filter(([, amount]) => Math.abs(amount) > 0.005)
+// Per-currency split: sign convention from the user perspective:
+// positive fiat_balance = user owes Libra, negative = Libra owes user.
+// Distinct currencies can't be netted across each other (no spot rate),
+// so we render them grouped by direction instead of one collapsed label.
+const youOweFiatEntries = computed(() =>
+  Object.entries(fiatBalances.value)
+    .filter(([, amount]) => amount > 0.005)
+    .map(([currency, amount]) => [currency, amount] as [string, number])
+)
+
+const libraOwesFiatEntries = computed(() =>
+  Object.entries(fiatBalances.value)
+    .filter(([, amount]) => amount < -0.005)
+    .map(([currency, amount]) => [currency, Math.abs(amount)] as [string, number])
+)
+
+const hasAnyFiatBalance = computed(() =>
+  youOweFiatEntries.value.length > 0 || libraOwesFiatEntries.value.length > 0
 )
 
 const expensesFiatEntries = computed(() =>
@@ -126,30 +142,64 @@ function formatFiat(amount: number, currency: string): string {
       <div class="rounded-xl border bg-card p-6 mb-6">
         <p class="text-sm text-muted-foreground mb-1">{{ t('libra.balance.netBalance') }}</p>
 
-        <div v-if="balance !== null" class="space-y-1">
-          <div class="flex items-center gap-2">
+        <div v-if="balance !== null" class="space-y-3">
+          <!-- Fiat split by direction (real per-currency state) -->
+          <div v-if="hasAnyFiatBalance" class="space-y-2">
+            <div v-if="youOweFiatEntries.length > 0">
+              <p class="text-xs uppercase tracking-wide text-red-600 dark:text-red-400 font-medium mb-0.5">
+                {{ t('libra.balance.youOwe') }}
+              </p>
+              <div class="flex flex-wrap gap-x-3 gap-y-0.5">
+                <span
+                  v-for="[currency, amount] in youOweFiatEntries"
+                  :key="'yo-' + currency"
+                  class="text-2xl font-bold text-foreground"
+                >
+                  {{ formatFiat(amount, currency) }}
+                </span>
+              </div>
+            </div>
+            <div v-if="libraOwesFiatEntries.length > 0">
+              <p class="text-xs uppercase tracking-wide text-green-600 dark:text-green-400 font-medium mb-0.5">
+                {{ t('libra.balance.owedToYou') }}
+              </p>
+              <div class="flex flex-wrap gap-x-3 gap-y-0.5">
+                <span
+                  v-for="[currency, amount] in libraOwesFiatEntries"
+                  :key="'lo-' + currency"
+                  class="text-2xl font-bold text-foreground"
+                >
+                  {{ formatFiat(amount, currency) }}
+                </span>
+              </div>
+            </div>
+          </div>
+
+          <!-- Sats-only fallback when no fiat balances are present -->
+          <div v-else class="flex items-center gap-2">
             <component
               :is="libraOwesUser ? ArrowDown : ArrowUp"
               class="w-5 h-5"
               :class="libraOwesUser ? 'text-green-500' : 'text-red-500'"
             />
-            <span class="text-3xl font-bold text-foreground">
-              {{ formatAmount(balance) }}
-            </span>
+            <span class="text-3xl font-bold text-foreground">{{ formatAmount(balance) }}</span>
             <span class="text-lg text-muted-foreground">{{ balanceCurrency }}</span>
           </div>
-          <div v-if="fiatBalanceEntries.length > 0" class="flex flex-wrap items-center gap-x-3 gap-y-1 pl-7">
-            <span
-              v-for="[currency, amount] in fiatBalanceEntries"
-              :key="currency"
-              class="text-base text-muted-foreground"
-            >
-              {{ formatFiat(Math.abs(amount), currency) }}
+
+          <!-- Net sats caption (always shown when there's a balance; distinct
+               currencies can't be netted into a single fiat number, but sats
+               can — informational only, depends on current BTC rates) -->
+          <div class="flex items-center gap-1.5 text-xs text-muted-foreground">
+            <component
+              :is="libraOwesUser ? ArrowDown : ArrowUp"
+              class="w-3 h-3"
+              :class="libraOwesUser ? 'text-green-500' : 'text-red-500'"
+            />
+            <span>
+              Net at current rates: {{ formatAmount(balance) }} {{ balanceCurrency }}
+              ({{ libraOwesUser ? t('libra.balance.owedToYou').toLowerCase() : t('libra.balance.youOwe').toLowerCase() }})
             </span>
           </div>
-          <p class="text-sm" :class="libraOwesUser ? 'text-green-600 dark:text-green-400' : 'text-red-600 dark:text-red-400'">
-            {{ libraOwesUser ? t('libra.balance.owedToYou') : t('libra.balance.youOwe') }}
-          </p>
         </div>
 
         <div v-else class="text-muted-foreground">